Home > Traditions Bank > Performance and Condition Ratios
Traditions 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 | 6.9765% | 228 |
| Cost of funding earning assets | 1.3750% | 2,296 |
| Net interest margin | 5.6015% | 163 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 3.4321% | 628 |
| Loan and lease loss provision to assets | 0.5100% | 177 |
| Net operating income to assets | 1.5523% | 934 |
| Return on assets (ROA) | 1.5372% | 925 |
| Pretax return on assets | 2.0056% | 667 |
| Return on Equity (ROE) | 17.4500% | 897 |
| Retained earnings to average equity (ytd only) | 8.0218% | 1,531 |
| Net charge-offs to loans | 0.5793% | 169 |
| Credit loss provision to net charge-offs | 96.0308% | 1,888 |
| Earnings coverage of net charge-offs (x) | 5.4018% | 2,529 |
| Efficiency ratio | 57.5028% | 3,343 |
| Assets per employee ($millions) | 8.8314% | 1,044 |
| Cash dividends to net income (ytd only)* | 54.0414% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 1,243 |
| Loan loss allowance to noncurrent loans | 436.1224% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 1,013 |
| Noncurrent loans to loans | 0.3298% | 2,001 |
| Net loans and leases to total assets | 80.9000% | 545 |
| Net loans and leases to deposits | 92.9410% | 1,018 |
| Net loans and leases to core deposits | 114.2970% | 805 |
| Total domestic deposits to total assets | 87.0400% | 1,667 |
| Equity capital to assets | 8.9261% | 2,725 |
| Core capital (leverage) ratio | 9.1261% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2419% | 2,158 |
| Memoranda: | ||
| Average total assets | $692,150,600 | 1,322 |
| Average earning assets | $644,577,800 | 1,308 |
| Average equity | $60,958,800 | 1,380 |
| Average total loans | $560,988,600 | 1,133 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8091% | 232 |
| Cost of funding earning assets | 1.2160% | 2,380 |
| Net interest margin | 5.5931% | 165 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 3.4128% | 618 |
| Loan and lease loss provision to assets | 0.5100% | 155 |
| Net operating income to assets | 1.5698% | 983 |
| Return on assets (ROA) | 1.5698% | 975 |
| Pretax return on assets | 2.0748% | 690 |
| Return on Equity (ROE) | 17.8900% | 963 |
| Retained earnings to average equity (ytd only) | 8.4499% | 1,827 |
| Net charge-offs to loans | 0.5602% | 155 |
| Credit loss provision to net charge-offs | 90.1378% | 1,692 |
| Earnings coverage of net charge-offs (x) | 5.7037% | 2,336 |
| Efficiency ratio | 56.9385% | 3,320 |
| Assets per employee ($millions) | 8.2980% | 1,211 |
| Cash dividends to net income (ytd only)* | 52.7623% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 1,216 |
| Loan loss allowance to noncurrent loans | 526.7456% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 1,147 |
| Noncurrent loans to loans | 0.2778% | 2,241 |
| Net loans and leases to total assets | 79.7200% | 681 |
| Net loans and leases to deposits | 91.5768% | 1,089 |
| Net loans and leases to core deposits | 111.4248% | 821 |
| Total domestic deposits to total assets | 87.0500% | 1,879 |
| Equity capital to assets | 8.7390% | 2,579 |
| Core capital (leverage) ratio | 9.2630% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2944% | 2,163 |
| Memoranda: | ||
| Average total assets | $684,145,250 | 1,331 |
| Average earning assets | $636,721,750 | 1,315 |
| Average equity | $60,038,500 | 1,380 |
| Average total loans | $552,643,750 | 1,142 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6337% | 230 |
| Cost of funding earning assets | 1.0888% | 2,319 |
| Net interest margin | 5.5449% | 167 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 3.3504% | 647 |
| Loan and lease loss provision to assets | 0.5100% | 144 |
| Net operating income to assets | 1.5583% | 1,008 |
| Return on assets (ROA) | 1.5583% | 1,003 |
| Pretax return on assets | 2.0560% | 684 |
| Return on Equity (ROE) | 17.7300% | 983 |
| Retained earnings to average equity (ytd only) | 4.2320% | 3,152 |
| Net charge-offs to loans | 0.5048% | 163 |
| Credit loss provision to net charge-offs | 125.8370% | 1,303 |
| Earnings coverage of net charge-offs (x) | 6.3035% | 2,132 |
| Efficiency ratio | 56.6017% | 3,345 |
| Assets per employee ($millions) | 8.4023% | 1,136 |
| Cash dividends to net income (ytd only)* | 76.1325% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 906 |
| Loan loss allowance to noncurrent loans | 472.3849% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 934 |
| Noncurrent loans to loans | 0.3421% | 1,906 |
| Net loans and leases to total assets | 79.8000% | 655 |
| Net loans and leases to deposits | 91.5660% | 1,060 |
| Net loans and leases to core deposits | 110.6091% | 800 |
| Total domestic deposits to total assets | 87.1500% | 1,881 |
| Equity capital to assets | 8.6976% | 2,719 |
| Core capital (leverage) ratio | 9.0324% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1106% | 2,255 |
| Memoranda: | ||
| Average total assets | $674,317,000 | 1,340 |
| Average earning assets | $627,494,000 | 1,330 |
| Average equity | $59,263,333 | 1,402 |
| Average total loans | $544,410,000 | 1,142 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4241% | 201 |
| Cost of funding earning assets | 0.9548% | 2,202 |
| Net interest margin | 5.4693% | 155 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 3.2912% | 708 |
| Loan and lease loss provision to assets | 0.5400% | 133 |
| Net operating income to assets | 1.5113% | 1,164 |
| Return on assets (ROA) | 1.5113% | 1,142 |
| Pretax return on assets | 1.9845% | 802 |
| Return on Equity (ROE) | 17.1000% | 1,158 |
| Retained earnings to average equity (ytd only) | 8.6200% | 2,051 |
| Net charge-offs to loans | 0.6590% | 120 |
| Credit loss provision to net charge-offs | 102.0339% | 1,101 |
| Earnings coverage of net charge-offs (x) | 4.7593% | 1,844 |
| Efficiency ratio | 56.5773% | 3,348 |
| Assets per employee ($millions) | 8.6117% | 1,089 |
| Cash dividends to net income (ytd only)* | 49.6032% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 979 |
| Loan loss allowance to noncurrent loans | 426.4345% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 865 |
| Noncurrent loans to loans | 0.3791% | 1,798 |
| Net loans and leases to total assets | 77.7800% | 785 |
| Net loans and leases to deposits | 89.3159% | 1,105 |
| Net loans and leases to core deposits | 105.5282% | 858 |
| Total domestic deposits to total assets | 87.0800% | 2,235 |
| Equity capital to assets | 8.7761% | 2,680 |
| Core capital (leverage) ratio | 9.2020% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5639% | 2,158 |
| Memoranda: | ||
| Average total assets | $666,983,000 | 1,367 |
| Average earning assets | $621,285,000 | 1,359 |
| Average equity | $58,932,500 | 1,414 |
| Average total loans | $537,194,500 | 1,167 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9658% | 96 |
| Cost of funding earning assets | 0.4202% | 1,940 |
| Net interest margin | 5.5455% | 80 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 3.4581% | 508 |
| Loan and lease loss provision to assets | 0.5700% | 99 |
| Net operating income to assets | 1.5072% | 868 |
| Return on assets (ROA) | 1.5052% | 838 |
| Pretax return on assets | 1.9595% | 521 |
| Return on Equity (ROE) | 17.3400% | 804 |
| Retained earnings to average equity (ytd only) | 15.9313% | 232 |
| Net charge-offs to loans | 0.3507% | 214 |
| Credit loss provision to net charge-offs | 199.2086% | 1,130 |
| Earnings coverage of net charge-offs (x) | 8.7965% | 2,253 |
| Efficiency ratio | 57.6871% | 3,384 |
| Assets per employee ($millions) | 8.1705% | 1,242 |
| Cash dividends to net income (ytd only)* | 8.1222% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 941 |
| Loan loss allowance to noncurrent loans | 674.7278% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6297% | 791 |
| Noncurrent loans to loans | 0.2397% | 2,320 |
| Net loans and leases to total assets | 80.7600% | 521 |
| Net loans and leases to deposits | 92.5801% | 884 |
| Net loans and leases to core deposits | 108.7149% | 651 |
| Total domestic deposits to total assets | 87.2300% | 2,315 |
| Equity capital to assets | 8.8977% | 2,418 |
| Core capital (leverage) ratio | 9.2985% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2660% | 2,255 |
| Memoranda: | ||
| Average total assets | $613,487,600 | 1,451 |
| Average earning assets | $569,449,800 | 1,453 |
| Average equity | $53,253,600 | 1,536 |
| Average total loans | $504,431,400 | 1,174 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8329% | 87 |
| Cost of funding earning assets | 0.3691% | 1,534 |
| Net interest margin | 5.4638% | 79 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 3.4300% | 513 |
| Loan and lease loss provision to assets | 0.6000% | 83 |
| Net operating income to assets | 1.4490% | 957 |
| Return on assets (ROA) | 1.4490% | 933 |
| Pretax return on assets | 1.8997% | 586 |
| Return on Equity (ROE) | 16.8100% | 836 |
| Retained earnings to average equity (ytd only) | 14.8841% | 376 |
| Net charge-offs to loans | 0.3613% | 173 |
| Credit loss provision to net charge-offs | 202.0074% | 974 |
| Earnings coverage of net charge-offs (x) | 8.4126% | 2,045 |
| Efficiency ratio | 57.8412% | 3,400 |
| Assets per employee ($millions) | 8.0284% | 1,308 |
| Cash dividends to net income (ytd only)* | 11.4364% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 1,160 |
| Loan loss allowance to noncurrent loans | 854.1710% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 897 |
| Noncurrent loans to loans | 0.1820% | 2,675 |
| Net loans and leases to total assets | 81.7700% | 394 |
| Net loans and leases to deposits | 90.2474% | 878 |
| Net loans and leases to core deposits | 104.4594% | 632 |
| Total domestic deposits to total assets | 90.6000% | 1,405 |
| Equity capital to assets | 8.5330% | 2,520 |
| Core capital (leverage) ratio | 8.9460% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6011% | 2,622 |
| Memoranda: | ||
| Average total assets | $603,449,500 | 1,479 |
| Average earning assets | $559,886,750 | 1,484 |
| Average equity | $52,027,250 | 1,591 |
| Average total loans | $496,404,000 | 1,180 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7165% | 88 |
| Cost of funding earning assets | 0.3524% | 1,238 |
| Net interest margin | 5.3642% | 82 |
| Noninterest income to average assets | 0.8647% | 917 |
| Noninterest expense to average assets | 3.3666% | 499 |
| Loan and lease loss provision to assets | 0.6808% | 71 |
| Net operating income to assets | 1.3724% | 973 |
| Return on assets (ROA) | 1.3724% | 953 |
| Pretax return on assets | 1.7930% | 613 |
| Return on Equity (ROE) | 15.8587% | 727 |
| Retained earnings to average equity (ytd only) | 15.8587% | 204 |
| Net charge-offs to loans | 0.4656% | 145 |
| Credit loss provision to net charge-offs | 178.3496% | 1,021 |
| Earnings coverage of net charge-offs (x) | 6.4809% | 1,897 |
| Efficiency ratio | 57.6432% | 3,609 |
| Assets per employee ($millions) | 8.0872% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 1,333 |
| Loan loss allowance to noncurrent loans | 1,102.5424% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 946 |
| Noncurrent loans to loans | 0.1387% | 3,012 |
| Net loans and leases to total assets | 80.7323% | 356 |
| Net loans and leases to deposits | 88.8542% | 782 |
| Net loans and leases to core deposits | 102.3611% | 574 |
| Total domestic deposits to total assets | 90.8593% | 1,300 |
| Equity capital to assets | 8.4199% | 2,824 |
| Core capital (leverage) ratio | 8.7047% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5066% | 2,674 |
| Memoranda: | ||
| Average total assets | $590,510,000 | 1,522 |
| Average earning assets | $547,746,000 | 1,528 |
| Average equity | $51,101,333 | 1,651 |
| Average total loans | $484,055,333 | 1,197 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6702% | 82 |
| Cost of funding earning assets | 0.3405% | 1,282 |
| Net interest margin | 5.3298% | 81 |
| Noninterest income to average assets | 0.8837% | 860 |
| Noninterest expense to average assets | 3.3760% | 479 |
| Loan and lease loss provision to assets | 0.7082% | 61 |
| Net operating income to assets | 1.3161% | 965 |
| Return on assets (ROA) | 1.3161% | 952 |
| Pretax return on assets | 1.7486% | 618 |
| Return on Equity (ROE) | 14.9893% | 654 |
| Retained earnings to average equity (ytd only) | 14.9893% | 287 |
| Net charge-offs to loans | 0.4418% | 155 |
| Credit loss provision to net charge-offs | 195.5769% | 783 |
| Earnings coverage of net charge-offs (x) | 6.7846% | 1,559 |
| Efficiency ratio | 57.8797% | 3,697 |
| Assets per employee ($millions) | 8.1597% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,486 |
| Loan loss allowance to noncurrent loans | 338.1495% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 798 |
| Noncurrent loans to loans | 0.4504% | 1,901 |
| Net loans and leases to total assets | 79.4487% | 262 |
| Net loans and leases to deposits | 87.5375% | 646 |
| Net loans and leases to core deposits | 101.1726% | 470 |
| Total domestic deposits to total assets | 90.7596% | 1,156 |
| Equity capital to assets | 8.4758% | 3,182 |
| Core capital (leverage) ratio | 8.9716% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5203% | 2,767 |
| Memoranda: | ||
| Average total assets | $574,409,000 | 1,570 |
| Average earning assets | $533,382,500 | 1,577 |
| Average equity | $50,436,000 | 1,729 |
| Average total loans | $470,815,000 | 1,216 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7945% | 97 |
| Cost of funding earning assets | 0.4167% | 1,423 |
| Net interest margin | 5.3778% | 96 |
| Noninterest income to average assets | 0.9445% | 1,105 |
| Noninterest expense to average assets | 3.4893% | 481 |
| Loan and lease loss provision to assets | 0.6668% | 71 |
| Net operating income to assets | 1.3830% | 1,339 |
| Return on assets (ROA) | 1.3704% | 1,425 |
| Pretax return on assets | 1.7893% | 936 |
| Return on Equity (ROE) | 15.1192% | 932 |
| Retained earnings to average equity (ytd only) | 10.8044% | 741 |
| Net charge-offs to loans | 0.3320% | 258 |
| Credit loss provision to net charge-offs | 252.4056% | 1,164 |
| Earnings coverage of net charge-offs (x) | 9.3568% | 2,263 |
| Efficiency ratio | 58.5323% | 3,363 |
| Assets per employee ($millions) | 7.2667% | 1,754 |
| Cash dividends to net income (ytd only)* | 28.5388% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,471 |
| Loan loss allowance to noncurrent loans | 1,047.2012% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 1,347 |
| Noncurrent loans to loans | 0.1454% | 3,213 |
| Net loans and leases to total assets | 82.1217% | 175 |
| Net loans and leases to deposits | 91.0340% | 523 |
| Net loans and leases to core deposits | 100.7707% | 505 |
| Total domestic deposits to total assets | 90.2100% | 863 |
| Equity capital to assets | 9.1181% | 3,497 |
| Core capital (leverage) ratio | 9.1640% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8138% | 2,699 |
| Memoranda: | ||
| Average total assets | $511,368,200 | 1,674 |
| Average earning assets | $477,038,600 | 1,670 |
| Average equity | $46,351,600 | 1,881 |
| Average total loans | $406,883,200 | 1,356 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7958% | 109 |
| Cost of funding earning assets | 0.4429% | 1,402 |
| Net interest margin | 5.3529% | 102 |
| Noninterest income to average assets | 0.9305% | 1,192 |
| Noninterest expense to average assets | 3.4923% | 462 |
| Loan and lease loss provision to assets | 0.6352% | 77 |
| Net operating income to assets | 1.3514% | 1,688 |
| Return on assets (ROA) | 1.3514% | 1,740 |
| Pretax return on assets | 1.7949% | 1,174 |
| Return on Equity (ROE) | 14.9336% | 1,155 |
| Retained earnings to average equity (ytd only) | 12.0043% | 835 |
| Net charge-offs to loans | 0.3102% | 251 |
| Credit loss provision to net charge-offs | 260.7182% | 1,073 |
| Earnings coverage of net charge-offs (x) | 9.9750% | 2,054 |
| Efficiency ratio | 58.9678% | 3,127 |
| Assets per employee ($millions) | 7.1410% | 1,778 |
| Cash dividends to net income (ytd only)* | 19.6155% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 1,732 |
| Loan loss allowance to noncurrent loans | 739.6733% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 1,335 |
| Noncurrent loans to loans | 0.1992% | 3,152 |
| Net loans and leases to total assets | 81.3013% | 232 |
| Net loans and leases to deposits | 90.6638% | 569 |
| Net loans and leases to core deposits | 100.9340% | 556 |
| Total domestic deposits to total assets | 89.6734% | 928 |
| Equity capital to assets | 9.3362% | 3,519 |
| Core capital (leverage) ratio | 9.2262% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2810% | 2,620 |
| Memoranda: | ||
| Average total assets | $502,959,500 | 1,708 |
| Average earning assets | $469,040,500 | 1,704 |
| Average equity | $45,516,000 | 1,929 |
| Average total loans | $394,982,000 | 1,419 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7043% | 131 |
| Cost of funding earning assets | 0.4800% | 1,323 |
| Net interest margin | 5.2243% | 133 |
| Noninterest income to average assets | 0.8928% | 1,288 |
| Noninterest expense to average assets | 3.4920% | 473 |
| Loan and lease loss provision to assets | 0.5519% | 87 |
| Net operating income to assets | 1.3062% | 1,849 |
| Return on assets (ROA) | 1.3062% | 1,920 |
| Pretax return on assets | 1.7297% | 1,410 |
| Return on Equity (ROE) | 14.5957% | 1,262 |
| Retained earnings to average equity (ytd only) | 10.0978% | 1,366 |
| Net charge-offs to loans | 0.2406% | 362 |
| Credit loss provision to net charge-offs | 297.3970% | 895 |
| Earnings coverage of net charge-offs (x) | 12.2950% | 1,729 |
| Efficiency ratio | 60.4825% | 2,944 |
| Assets per employee ($millions) | 7.2260% | 1,646 |
| Cash dividends to net income (ytd only)* | 30.8166% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 1,904 |
| Loan loss allowance to noncurrent loans | 234.1038% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 844 |
| Noncurrent loans to loans | 0.6053% | 1,894 |
| Net loans and leases to total assets | 78.2886% | 425 |
| Net loans and leases to deposits | 86.9586% | 849 |
| Net loans and leases to core deposits | 96.7259% | 775 |
| Total domestic deposits to total assets | 90.0298% | 763 |
| Equity capital to assets | 9.1056% | 3,706 |
| Core capital (leverage) ratio | 8.8781% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4287% | 2,567 |
| Memoranda: | ||
| Average total assets | $496,848,000 | 1,723 |
| Average earning assets | $464,175,667 | 1,711 |
| Average equity | $44,465,000 | 1,951 |
| Average total loans | $383,256,667 | 1,458 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5181% | 190 |
| Cost of funding earning assets | 0.5160% | 1,296 |
| Net interest margin | 5.0020% | 191 |
| Noninterest income to average assets | 0.8896% | 1,358 |
| Noninterest expense to average assets | 3.4251% | 513 |
| Loan and lease loss provision to assets | 0.4239% | 175 |
| Net operating income to assets | 1.3029% | 1,816 |
| Return on assets (ROA) | 1.3029% | 1,899 |
| Pretax return on assets | 1.7211% | 1,446 |
| Return on Equity (ROE) | 14.6933% | 1,279 |
| Retained earnings to average equity (ytd only) | 5.4638% | 3,076 |
| Net charge-offs to loans | 0.1929% | 423 |
| Credit loss provision to net charge-offs | 289.3855% | 772 |
| Earnings coverage of net charge-offs (x) | 14.6425% | 1,359 |
| Efficiency ratio | 61.4899% | 2,843 |
| Assets per employee ($millions) | 7.0134% | 1,796 |
| Cash dividends to net income (ytd only)* | 62.8141% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,167 |
| Loan loss allowance to noncurrent loans | 963.3333% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.6032% | 1,582 |
| Noncurrent loans to loans | 0.1409% | 3,613 |
| Net loans and leases to total assets | 73.8199% | 833 |
| Net loans and leases to deposits | 81.4484% | 1,377 |
| Net loans and leases to core deposits | 91.4542% | 1,144 |
| Total domestic deposits to total assets | 90.6339% | 527 |
| Equity capital to assets | 8.5234% | 4,093 |
| Core capital (leverage) ratio | 8.8340% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4371% | 2,517 |
| Memoranda: | ||
| Average total assets | $488,747,500 | 1,732 |
| Average earning assets | $457,332,500 | 1,720 |
| Average equity | $43,339,500 | 1,972 |
| Average total loans | $371,169,000 | 1,485 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0532% | 88 |
| Cost of funding earning assets | 0.7542% | 1,430 |
| Net interest margin | 5.2990% | 85 |
| Noninterest income to average assets | 0.9558% | 1,129 |
| Noninterest expense to average assets | 3.6136% | 589 |
| Loan and lease loss provision to assets | 0.6230% | 308 |
| Net operating income to assets | 1.2615% | 1,356 |
| Return on assets (ROA) | 1.2734% | 1,427 |
| Pretax return on assets | 1.6669% | 914 |
| Return on Equity (ROE) | 13.1096% | 1,016 |
| Retained earnings to average equity (ytd only) | 4.8503% | 2,343 |
| Net charge-offs to loans | 0.5384% | 289 |
| Credit loss provision to net charge-offs | 149.9161% | 2,426 |
| Earnings coverage of net charge-offs (x) | 5.4740% | 2,860 |
| Efficiency ratio | 61.3680% | 3,252 |
| Assets per employee ($millions) | 6.2069% | 2,160 |
| Cash dividends to net income (ytd only)* | 63.0022% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 2,179 |
| Loan loss allowance to noncurrent loans | 402.2333% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.7808% | 1,309 |
| Noncurrent loans to loans | 0.3366% | 2,997 |
| Net loans and leases to total assets | 76.1157% | 778 |
| Net loans and leases to deposits | 84.5974% | 1,399 |
| Net loans and leases to core deposits | 96.8594% | 1,073 |
| Total domestic deposits to total assets | 89.9740% | 576 |
| Equity capital to assets | 9.2458% | 3,843 |
| Core capital (leverage) ratio | 9.0415% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8778% | 2,289 |
| Memoranda: | ||
| Average total assets | $430,013,000 | 1,768 |
| Average earning assets | $400,281,200 | 1,766 |
| Average equity | $41,770,800 | 1,953 |
| Average total loans | $331,891,000 | 1,571 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1293% | 92 |
| Cost of funding earning assets | 0.7847% | 1,567 |
| Net interest margin | 5.3446% | 90 |
| Noninterest income to average assets | 0.9340% | 1,146 |
| Noninterest expense to average assets | 3.6560% | 576 |
| Loan and lease loss provision to assets | 0.6098% | 407 |
| Net operating income to assets | 1.2473% | 1,495 |
| Return on assets (ROA) | 1.2635% | 1,556 |
| Pretax return on assets | 1.6590% | 1,047 |
| Return on Equity (ROE) | 12.8366% | 1,160 |
| Retained earnings to average equity (ytd only) | 6.0822% | 2,072 |
| Net charge-offs to loans | 0.5275% | 283 |
| Credit loss provision to net charge-offs | 149.7667% | 2,328 |
| Earnings coverage of net charge-offs (x) | 5.5218% | 2,723 |
| Efficiency ratio | 61.9229% | 3,092 |
| Assets per employee ($millions) | 6.3705% | 1,935 |
| Cash dividends to net income (ytd only)* | 52.6184% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 2,137 |
| Loan loss allowance to noncurrent loans | 451.8119% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 1,548 |
| Noncurrent loans to loans | 0.2889% | 3,242 |
| Net loans and leases to total assets | 75.0141% | 1,231 |
| Net loans and leases to deposits | 83.4531% | 1,964 |
| Net loans and leases to core deposits | 96.7998% | 1,391 |
| Total domestic deposits to total assets | 89.8878% | 461 |
| Equity capital to assets | 9.1822% | 3,970 |
| Core capital (leverage) ratio | 9.3235% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4077% | 2,030 |
| Memoranda: | ||
| Average total assets | $421,136,500 | 1,772 |
| Average earning assets | $391,640,750 | 1,772 |
| Average equity | $41,453,250 | 1,953 |
| Average total loans | $325,064,750 | 1,590 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3857% | 92 |
| Cost of funding earning assets | 0.8196% | 1,733 |
| Net interest margin | 5.5661% | 87 |
| Noninterest income to average assets | 0.9240% | 1,115 |
| Noninterest expense to average assets | 3.7889% | 509 |
| Loan and lease loss provision to assets | 0.6701% | 428 |
| Net operating income to assets | 1.2289% | 1,553 |
| Return on assets (ROA) | 1.2541% | 1,599 |
| Pretax return on assets | 1.6625% | 1,070 |
| Return on Equity (ROE) | 12.4229% | 1,237 |
| Retained earnings to average equity (ytd only) | 9.4987% | 875 |
| Net charge-offs to loans | 0.5627% | 279 |
| Credit loss provision to net charge-offs | 153.3784% | 2,110 |
| Earnings coverage of net charge-offs (x) | 5.2658% | 2,527 |
| Efficiency ratio | 62.2202% | 3,091 |
| Assets per employee ($millions) | 5.6284% | 2,516 |
| Cash dividends to net income (ytd only)* | 23.5386% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 1,817 |
| Loan loss allowance to noncurrent loans | 503.5108% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.7075% | 1,739 |
| Noncurrent loans to loans | 0.2664% | 3,426 |
| Net loans and leases to total assets | 74.4798% | 1,343 |
| Net loans and leases to deposits | 83.3446% | 2,063 |
| Net loans and leases to core deposits | 97.3131% | 1,472 |
| Total domestic deposits to total assets | 89.3636% | 621 |
| Equity capital to assets | 9.6956% | 3,482 |
| Core capital (leverage) ratio | 9.7614% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2090% | 1,727 |
| Memoranda: | ||
| Average total assets | $406,498,667 | 1,791 |
| Average earning assets | $377,246,333 | 1,798 |
| Average equity | $41,037,000 | 1,956 |
| Average total loans | $315,597,667 | 1,617 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2522% | 116 |
| Cost of funding earning assets | 0.8457% | 2,132 |
| Net interest margin | 5.4065% | 102 |
| Noninterest income to average assets | 1.0629% | 755 |
| Noninterest expense to average assets | 3.9606% | 528 |
| Loan and lease loss provision to assets | 0.4592% | 650 |
| Net operating income to assets | 1.2434% | 1,394 |
| Return on assets (ROA) | 1.2474% | 1,485 |
| Pretax return on assets | 1.6544% | 936 |
| Return on Equity (ROE) | 12.0875% | 1,077 |
| Retained earnings to average equity (ytd only) | 6.1282% | 1,826 |
| Net charge-offs to loans | 0.6981% | 215 |
| Credit loss provision to net charge-offs | 83.4264% | 1,920 |
| Earnings coverage of net charge-offs (x) | 3.8305% | 2,184 |
| Efficiency ratio | 65.2592% | 3,052 |
| Assets per employee ($millions) | 5.3097% | 2,309 |
| Cash dividends to net income (ytd only)* | 49.3016% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,412 |
| Loan loss allowance to noncurrent loans | 347.3166% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.8401% | 1,595 |
| Noncurrent loans to loans | 0.3591% | 3,210 |
| Net loans and leases to total assets | 76.1886% | 1,269 |
| Net loans and leases to deposits | 85.5526% | 2,051 |
| Net loans and leases to core deposits | 102.6630% | 1,268 |
| Total domestic deposits to total assets | 89.0547% | 637 |
| Equity capital to assets | 10.0056% | 3,777 |
| Core capital (leverage) ratio | 10.3896% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8861% | 1,942 |
| Memoranda: | ||
| Average total assets | $390,241,500 | 1,804 |
| Average earning assets | $361,344,500 | 1,812 |
| Average equity | $40,273,000 | 1,979 |
| Average total loans | $307,685,500 | 1,609 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5431% | 105 |
| Cost of funding earning assets | 0.7735% | 2,811 |
| Net interest margin | 5.7697% | 79 |
| Noninterest income to average assets | 1.0614% | 844 |
| Noninterest expense to average assets | 4.0940% | 475 |
| Loan and lease loss provision to assets | 0.5859% | 205 |
| Net operating income to assets | 1.2862% | 1,744 |
| Return on assets (ROA) | 1.2869% | 1,819 |
| Pretax return on assets | 1.6861% | 1,228 |
| Return on Equity (ROE) | 12.4368% | 1,349 |
| Retained earnings to average equity (ytd only) | 7.1914% | 1,316 |
| Net charge-offs to loans | 0.6053% | 306 |
| Credit loss provision to net charge-offs | 119.4137% | 2,117 |
| Earnings coverage of net charge-offs (x) | 4.6289% | 3,193 |
| Efficiency ratio | 64.3189% | 3,033 |
| Assets per employee ($millions) | 5.0260% | 2,560 |
| Cash dividends to net income (ytd only)* | 42.1763% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 1,894 |
| Loan loss allowance to noncurrent loans | 251.8706% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0060% | 1,236 |
| Noncurrent loans to loans | 0.5187% | 2,626 |
| Net loans and leases to total assets | 79.6047% | 838 |
| Net loans and leases to deposits | 90.0062% | 1,591 |
| Net loans and leases to core deposits | 109.8643% | 859 |
| Total domestic deposits to total assets | 88.4435% | 910 |
| Equity capital to assets | 10.6566% | 3,301 |
| Core capital (leverage) ratio | 10.6833% | 2,774 |
| Tier 1 risk-based capital ratio | 13.7381% | 3,393 |
| Total risk-based capital ratio | 14.9894% | 3,296 |
| Memoranda: | ||
| Average total assets | $368,490,200 | 1,851 |
| Average earning assets | $338,738,000 | 1,853 |
| Average equity | $38,128,800 | 2,002 |
| Average total loans | $298,672,000 | 1,612 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4976% | 112 |
| Cost of funding earning assets | 0.7631% | 2,905 |
| Net interest margin | 5.7345% | 84 |
| Noninterest income to average assets | 1.1303% | 713 |
| Noninterest expense to average assets | 4.1526% | 444 |
| Loan and lease loss provision to assets | 0.5710% | 204 |
| Net operating income to assets | 1.2536% | 2,003 |
| Return on assets (ROA) | 1.2544% | 2,082 |
| Pretax return on assets | 1.6718% | 1,413 |
| Return on Equity (ROE) | 12.2171% | 1,543 |
| Retained earnings to average equity (ytd only) | 5.1286% | 2,830 |
| Net charge-offs to loans | 0.5354% | 313 |
| Credit loss provision to net charge-offs | 131.4070% | 1,809 |
| Earnings coverage of net charge-offs (x) | 5.1591% | 2,943 |
| Efficiency ratio | 64.9422% | 2,875 |
| Assets per employee ($millions) | 4.9617% | 2,598 |
| Cash dividends to net income (ytd only)* | 58.0214% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 1,945 |
| Loan loss allowance to noncurrent loans | 219.1443% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 1.2928% | 940 |
| Noncurrent loans to loans | 0.5954% | 2,500 |
| Net loans and leases to total assets | 81.2035% | 681 |
| Net loans and leases to deposits | 91.7805% | 1,464 |
| Net loans and leases to core deposits | 108.8921% | 997 |
| Total domestic deposits to total assets | 88.4757% | 840 |
| Equity capital to assets | 10.4169% | 3,621 |
| Core capital (leverage) ratio | 10.4094% | 3,187 |
| Tier 1 risk-based capital ratio | 13.0272% | 3,830 |
| Total risk-based capital ratio | 14.2783% | 3,735 |
| Memoranda: | ||
| Average total assets | $366,375,500 | 1,874 |
| Average earning assets | $336,319,500 | 1,872 |
| Average equity | $37,618,500 | 2,037 |
| Average total loans | $297,329,750 | 1,625 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3840% | 133 |
| Cost of funding earning assets | 0.7433% | 2,927 |
| Net interest margin | 5.6407% | 100 |
| Noninterest income to average assets | 1.0827% | 725 |
| Noninterest expense to average assets | 4.0575% | 497 |
| Loan and lease loss provision to assets | 0.6036% | 187 |
| Net operating income to assets | 1.2101% | 2,114 |
| Return on assets (ROA) | 1.2084% | 2,184 |
| Pretax return on assets | 1.6079% | 1,524 |
| Return on Equity (ROE) | 11.8271% | 1,650 |
| Retained earnings to average equity (ytd only) | 6.4560% | 2,076 |
| Net charge-offs to loans | 0.5707% | 268 |
| Credit loss provision to net charge-offs | 130.9524% | 1,655 |
| Earnings coverage of net charge-offs (x) | 4.8024% | 2,708 |
| Efficiency ratio | 64.7007% | 3,017 |
| Assets per employee ($millions) | 5.0432% | 2,427 |
| Cash dividends to net income (ytd only)* | 45.4133% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,162 |
| Loan loss allowance to noncurrent loans | 210.2981% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 1.3106% | 961 |
| Noncurrent loans to loans | 0.6018% | 2,465 |
| Net loans and leases to total assets | 81.1046% | 718 |
| Net loans and leases to deposits | 91.2767% | 1,588 |
| Net loans and leases to core deposits | 108.2833% | 1,079 |
| Total domestic deposits to total assets | 88.8557% | 726 |
| Equity capital to assets | 10.2780% | 3,719 |
| Core capital (leverage) ratio | 10.3467% | 3,245 |
| Tier 1 risk-based capital ratio | 12.9805% | 3,844 |
| Total risk-based capital ratio | 14.2315% | 3,755 |
| Memoranda: | ||
| Average total assets | $364,458,330 | 1,888 |
| Average earning assets | $335,244,330 | 1,888 |
| Average equity | $37,236,670 | 2,048 |
| Average total loans | $294,381,330 | 1,641 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2470% | 148 |
| Cost of funding earning assets | 0.7256% | 2,916 |
| Net interest margin | 5.5214% | 116 |
| Noninterest income to average assets | 1.0964% | 672 |
| Noninterest expense to average assets | 3.9390% | 577 |
| Loan and lease loss provision to assets | 0.7165% | 143 |
| Net operating income to assets | 1.1442% | 2,295 |
| Return on assets (ROA) | 1.1442% | 2,341 |
| Pretax return on assets | 1.5207% | 1,701 |
| Return on Equity (ROE) | 11.2334% | 1,853 |
| Retained earnings to average equity (ytd only) | 0.3272% | 4,469 |
| Net charge-offs to loans | 0.8450% | 176 |
| Credit loss provision to net charge-offs | 105.9113% | 1,529 |
| Earnings coverage of net charge-offs (x) | 3.3071% | 2,413 |
| Efficiency ratio | 63.7770% | 3,275 |
| Assets per employee ($millions) | 5.0419% | 2,469 |
| Cash dividends to net income (ytd only)* | 97.0874% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 2,324 |
| Loan loss allowance to noncurrent loans | 179.8819% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 1.2599% | 1,051 |
| Noncurrent loans to loans | 0.6953% | 2,281 |
| Net loans and leases to total assets | 78.4452% | 1,081 |
| Net loans and leases to deposits | 87.9476% | 1,881 |
| Net loans and leases to core deposits | 103.8643% | 1,326 |
| Total domestic deposits to total assets | 89.1955% | 771 |
| Equity capital to assets | 10.0063% | 3,816 |
| Core capital (leverage) ratio | 10.2104% | 3,373 |
| Tier 1 risk-based capital ratio | 13.2083% | 3,768 |
| Total risk-based capital ratio | 14.4591% | 3,673 |
| Memoranda: | ||
| Average total assets | $360,089,500 | 1,918 |
| Average earning assets | $331,294,000 | 1,915 |
| Average equity | $36,676,500 | 2,071 |
| Average total loans | $288,292,500 | 1,675 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3068% | 114 |
| Cost of funding earning assets | 0.5969% | 2,745 |
| Net interest margin | 5.7099% | 88 |
| Noninterest income to average assets | 1.1140% | 740 |
| Noninterest expense to average assets | 4.4085% | 325 |
| Loan and lease loss provision to assets | 0.5277% | 218 |
| Net operating income to assets | 1.0768% | 2,688 |
| Return on assets (ROA) | 1.0768% | 2,679 |
| Pretax return on assets | 1.3919% | 2,159 |
| Return on Equity (ROE) | 10.6007% | 2,247 |
| Retained earnings to average equity (ytd only) | 7.0271% | 1,658 |
| Net charge-offs to loans | 0.5375% | 333 |
| Credit loss provision to net charge-offs | 120.3311% | 2,163 |
| Earnings coverage of net charge-offs (x) | 4.3775% | 3,304 |
| Efficiency ratio | 69.6650% | 2,250 |
| Assets per employee ($millions) | 4.7584% | 2,801 |
| Cash dividends to net income (ytd only)* | 33.7109% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,174 |
| Loan loss allowance to noncurrent loans | 399.6689% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 1,607 |
| Noncurrent loans to loans | 0.3188% | 3,409 |
| Net loans and leases to total assets | 79.6837% | 984 |
| Net loans and leases to deposits | 89.6792% | 1,836 |
| Net loans and leases to core deposits | 105.9439% | 1,272 |
| Total domestic deposits to total assets | 88.8541% | 922 |
| Equity capital to assets | 10.3726% | 3,307 |
| Core capital (leverage) ratio | 10.4225% | 3,116 |
| Tier 1 risk-based capital ratio | 13.6000% | 3,496 |
| Total risk-based capital ratio | 14.8512% | 3,403 |
| Memoranda: | ||
| Average total assets | $344,337,800 | 1,935 |
| Average earning assets | $314,438,800 | 1,949 |
| Average equity | $34,978,800 | 2,072 |
| Average total loans | $280,953,800 | 1,672 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2561% | 112 |
| Cost of funding earning assets | 0.5704% | 2,704 |
| Net interest margin | 5.6857% | 92 |
| Noninterest income to average assets | 1.0876% | 797 |
| Noninterest expense to average assets | 4.3746% | 332 |
| Loan and lease loss provision to assets | 0.4661% | 256 |
| Net operating income to assets | 1.0674% | 2,798 |
| Return on assets (ROA) | 1.0674% | 2,811 |
| Pretax return on assets | 1.4287% | 2,122 |
| Return on Equity (ROE) | 10.5647% | 2,364 |
| Retained earnings to average equity (ytd only) | 5.7468% | 2,795 |
| Net charge-offs to loans | 0.4117% | 393 |
| Credit loss provision to net charge-offs | 138.3815% | 1,821 |
| Earnings coverage of net charge-offs (x) | 5.6255% | 2,950 |
| Efficiency ratio | 69.7764% | 2,233 |
| Assets per employee ($millions) | 4.7599% | 2,776 |
| Cash dividends to net income (ytd only)* | 45.6039% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 2,221 |
| Loan loss allowance to noncurrent loans | 360.9901% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 2,459 |
| Noncurrent loans to loans | 0.3533% | 3,389 |
| Net loans and leases to total assets | 80.1314% | 1,000 |
| Net loans and leases to deposits | 89.8908% | 1,916 |
| Net loans and leases to core deposits | 105.7944% | 1,327 |
| Total domestic deposits to total assets | 89.1430% | 797 |
| Equity capital to assets | 10.0178% | 3,632 |
| Core capital (leverage) ratio | 10.2062% | 3,403 |
| Tier 1 risk-based capital ratio | 13.0984% | 3,847 |
| Total risk-based capital ratio | 14.3494% | 3,762 |
| Memoranda: | ||
| Average total assets | $342,392,000 | 1,953 |
| Average earning assets | $312,048,250 | 1,970 |
| Average equity | $34,592,500 | 2,094 |
| Average total loans | $280,141,250 | 1,686 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1851% | 115 |
| Cost of funding earning assets | 0.5449% | 2,652 |
| Net interest margin | 5.6402% | 96 |
| Noninterest income to average assets | 1.0734% | 836 |
| Noninterest expense to average assets | 4.4045% | 323 |
| Loan and lease loss provision to assets | 0.3491% | 377 |
| Net operating income to assets | 1.0657% | 2,724 |
| Return on assets (ROA) | 1.0657% | 2,732 |
| Pretax return on assets | 1.4538% | 1,975 |
| Return on Equity (ROE) | 10.5176% | 2,326 |
| Retained earnings to average equity (ytd only) | 3.2420% | 3,948 |
| Net charge-offs to loans | 0.2530% | 629 |
| Credit loss provision to net charge-offs | 168.1818% | 1,463 |
| Earnings coverage of net charge-offs (x) | 8.6847% | 2,450 |
| Efficiency ratio | 70.9549% | 2,171 |
| Assets per employee ($millions) | 4.8278% | 2,649 |
| Cash dividends to net income (ytd only)* | 69.1754% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 2,428 |
| Loan loss allowance to noncurrent loans | 175.2959% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.9439% | 1,600 |
| Noncurrent loans to loans | 0.7136% | 2,325 |
| Net loans and leases to total assets | 80.7402% | 896 |
| Net loans and leases to deposits | 90.6950% | 1,751 |
| Net loans and leases to core deposits | 106.5283% | 1,206 |
| Total domestic deposits to total assets | 89.0238% | 922 |
| Equity capital to assets | 9.8930% | 3,727 |
| Core capital (leverage) ratio | 10.1256% | 3,454 |
| Tier 1 risk-based capital ratio | 12.7613% | 4,032 |
| Total risk-based capital ratio | 14.0121% | 3,934 |
| Memoranda: | ||
| Average total assets | $339,111,330 | 1,971 |
| Average earning assets | $308,679,670 | 1,995 |
| Average equity | $34,361,330 | 2,114 |
| Average total loans | $278,223,000 | 1,702 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1008% | 117 |
| Cost of funding earning assets | 0.5214% | 2,617 |
| Net interest margin | 5.5794% | 99 |
| Noninterest income to average assets | 1.1216% | 742 |
| Noninterest expense to average assets | 4.4447% | 309 |
| Loan and lease loss provision to assets | 0.3512% | 347 |
| Net operating income to assets | 1.0273% | 2,742 |
| Return on assets (ROA) | 1.0273% | 2,759 |
| Pretax return on assets | 1.4000% | 1,997 |
| Return on Equity (ROE) | 10.0151% | 2,412 |
| Retained earnings to average equity (ytd only) | 10.0151% | 1,145 |
| Net charge-offs to loans | 0.2732% | 569 |
| Credit loss provision to net charge-offs | 156.3830% | 1,210 |
| Earnings coverage of net charge-offs (x) | 7.7979% | 2,063 |
| Efficiency ratio | 71.7370% | 2,228 |
| Assets per employee ($millions) | 4.5875% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,620 |
| Loan loss allowance to noncurrent loans | 206.0843% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 1,506 |
| Noncurrent loans to loans | 0.5978% | 2,750 |
| Net loans and leases to total assets | 80.7883% | 823 |
| Net loans and leases to deposits | 91.0702% | 1,548 |
| Net loans and leases to core deposits | 105.5712% | 1,268 |
| Total domestic deposits to total assets | 88.7099% | 1,251 |
| Equity capital to assets | 10.2146% | 3,372 |
| Core capital (leverage) ratio | 10.5396% | 2,902 |
| Tier 1 risk-based capital ratio | 13.1285% | 3,887 |
| Total risk-based capital ratio | 14.3787% | 3,794 |
| Memoranda: | ||
| Average total assets | $334,867,500 | 1,998 |
| Average earning assets | $304,550,500 | 2,030 |
| Average equity | $34,348,000 | 2,129 |
| Average total loans | $275,231,000 | 1,719 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9498% | 144 |
| Cost of funding earning assets | 0.4969% | 2,359 |
| Net interest margin | 5.4530% | 110 |
| Noninterest income to average assets | 1.0577% | 904 |
| Noninterest expense to average assets | 4.0043% | 532 |
| Loan and lease loss provision to assets | 0.4877% | 272 |
| Net operating income to assets | 0.9372% | 2,507 |
| Return on assets (ROA) | 0.9454% | 2,500 |
| Pretax return on assets | 1.5381% | 1,494 |
| Return on Equity (ROE) | 9.5071% | 2,094 |
| Retained earnings to average equity (ytd only) | 6.4609% | 1,294 |
| Net charge-offs to loans | 0.5945% | 385 |
| Credit loss provision to net charge-offs | 102.7441% | 2,488 |
| Earnings coverage of net charge-offs (x) | 4.2412% | 3,494 |
| Efficiency ratio | 66.5459% | 3,159 |
| Assets per employee ($millions) | 4.5241% | 3,148 |
| Cash dividends to net income (ytd only)* | 32.0410% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,688 |
| Loan loss allowance to noncurrent loans | 264.3541% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9162% | 1,690 |
| Noncurrent loans to loans | 0.4597% | 3,132 |
| Net loans and leases to total assets | 81.5933% | 744 |
| Net loans and leases to deposits | 91.9887% | 1,522 |
| Net loans and leases to core deposits | 107.4849% | 1,180 |
| Total domestic deposits to total assets | 88.6992% | 1,151 |
| Equity capital to assets | 10.3010% | 3,387 |
| Core capital (leverage) ratio | 10.1564% | 3,237 |
| Tier 1 risk-based capital ratio | 13.0694% | 3,868 |
| Total risk-based capital ratio | 14.3198% | 3,773 |
| Memoranda: | ||
| Average total assets | $330,141,600 | 2,008 |
| Average earning assets | $300,277,800 | 2,040 |
| Average equity | $32,828,000 | 2,177 |
| Average total loans | $263,586,400 | 1,743 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8552% | 154 |
| Cost of funding earning assets | 0.4900% | 2,354 |
| Net interest margin | 5.3652% | 131 |
| Noninterest income to average assets | 1.0045% | 1,014 |
| Noninterest expense to average assets | 3.9456% | 557 |
| Loan and lease loss provision to assets | 0.4754% | 252 |
| Net operating income to assets | 0.9452% | 2,806 |
| Return on assets (ROA) | 0.9560% | 2,801 |
| Pretax return on assets | 1.4827% | 1,831 |
| Return on Equity (ROE) | 9.7016% | 2,256 |
| Retained earnings to average equity (ytd only) | 5.6029% | 2,481 |
| Net charge-offs to loans | 0.5838% | 337 |
| Credit loss provision to net charge-offs | 102.8846% | 2,229 |
| Earnings coverage of net charge-offs (x) | 4.2010% | 3,255 |
| Efficiency ratio | 67.0257% | 3,045 |
| Assets per employee ($millions) | 4.4732% | 3,190 |
| Cash dividends to net income (ytd only)* | 42.2476% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,836 |
| Loan loss allowance to noncurrent loans | 165.8965% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.9622% | 1,770 |
| Noncurrent loans to loans | 0.7327% | 2,524 |
| Net loans and leases to total assets | 78.9641% | 1,124 |
| Net loans and leases to deposits | 88.4639% | 1,991 |
| Net loans and leases to core deposits | 103.2890% | 1,445 |
| Total domestic deposits to total assets | 89.2614% | 758 |
| Equity capital to assets | 9.8032% | 4,144 |
| Core capital (leverage) ratio | 10.0053% | 3,556 |
| Tier 1 risk-based capital ratio | 12.8119% | 4,136 |
| Total risk-based capital ratio | 14.0620% | 4,038 |
| Memoranda: | ||
| Average total assets | $330,112,000 | 2,018 |
| Average earning assets | $300,399,250 | 2,055 |
| Average equity | $32,530,000 | 2,209 |
| Average total loans | $261,286,750 | 1,765 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7956% | 169 |
| Cost of funding earning assets | 0.4958% | 2,198 |
| Net interest margin | 5.2998% | 142 |
| Noninterest income to average assets | 0.9038% | 1,263 |
| Noninterest expense to average assets | 3.9935% | 533 |
| Loan and lease loss provision to assets | 0.4020% | 327 |
| Net operating income to assets | 0.8974% | 2,926 |
| Return on assets (ROA) | 0.9149% | 2,890 |
| Pretax return on assets | 1.3548% | 2,188 |
| Return on Equity (ROE) | 9.2672% | 2,382 |
| Retained earnings to average equity (ytd only) | 6.1678% | 2,030 |
| Net charge-offs to loans | 0.4934% | 398 |
| Credit loss provision to net charge-offs | 103.3019% | 1,965 |
| Earnings coverage of net charge-offs (x) | 4.4481% | 2,926 |
| Efficiency ratio | 69.7595% | 2,712 |
| Assets per employee ($millions) | 4.4150% | 3,248 |
| Cash dividends to net income (ytd only)* | 33.4448% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,601 |
| Loan loss allowance to noncurrent loans | 107.2336% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1310% | 1,532 |
| Noncurrent loans to loans | 1.1784% | 1,659 |
| Net loans and leases to total assets | 76.6356% | 1,441 |
| Net loans and leases to deposits | 86.0304% | 2,216 |
| Net loans and leases to core deposits | 98.5562% | 1,761 |
| Total domestic deposits to total assets | 89.0797% | 919 |
| Equity capital to assets | 9.8128% | 4,117 |
| Core capital (leverage) ratio | 9.9050% | 3,650 |
| Tier 1 risk-based capital ratio | 13.2206% | 3,858 |
| Total risk-based capital ratio | 14.4719% | 3,769 |
| Memoranda: | ||
| Average total assets | $326,828,670 | 2,040 |
| Average earning assets | $297,295,000 | 2,078 |
| Average equity | $32,264,330 | 2,216 |
| Average total loans | $257,798,670 | 1,778 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7911% | 157 |
| Cost of funding earning assets | 0.4998% | 2,087 |
| Net interest margin | 5.2913% | 139 |
| Noninterest income to average assets | 0.6264% | 2,287 |
| Noninterest expense to average assets | 3.9482% | 573 |
| Loan and lease loss provision to assets | 0.3349% | 366 |
| Net operating income to assets | 0.7821% | 3,299 |
| Return on assets (ROA) | 0.8150% | 3,206 |
| Pretax return on assets | 1.1982% | 2,605 |
| Return on Equity (ROE) | 8.2296% | 2,795 |
| Retained earnings to average equity (ytd only) | 5.0981% | 2,829 |
| Net charge-offs to loans | 0.5271% | 342 |
| Credit loss provision to net charge-offs | 79.8817% | 1,758 |
| Earnings coverage of net charge-offs (x) | 3.5414% | 2,474 |
| Efficiency ratio | 72.6712% | 2,459 |
| Assets per employee ($millions) | 4.3056% | 3,501 |
| Cash dividends to net income (ytd only)* | 38.0518% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,718 |
| Loan loss allowance to noncurrent loans | 231.7656% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 2,982 |
| Noncurrent loans to loans | 0.5459% | 3,180 |
| Net loans and leases to total assets | 76.3877% | 1,349 |
| Net loans and leases to deposits | 85.8140% | 2,050 |
| Net loans and leases to core deposits | 99.5286% | 1,538 |
| Total domestic deposits to total assets | 89.0155% | 1,130 |
| Equity capital to assets | 9.8245% | 3,950 |
| Core capital (leverage) ratio | 10.0359% | 3,451 |
| Tier 1 risk-based capital ratio | 13.4041% | 3,835 |
| Total risk-based capital ratio | 14.6550% | 3,752 |
| Memoranda: | ||
| Average total assets | $322,473,000 | 2,083 |
| Average earning assets | $292,934,000 | 2,116 |
| Average equity | $31,933,500 | 2,242 |
| Average total loans | $256,481,000 | 1,792 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1781% | 99 |
| Cost of funding earning assets | 0.5012% | 2,083 |
| Net interest margin | 5.6769% | 86 |
| Noninterest income to average assets | 1.2931% | 681 |
| Noninterest expense to average assets | 4.4232% | 406 |
| Loan and lease loss provision to assets | 0.4344% | 338 |
| Net operating income to assets | 1.0212% | 2,256 |
| Return on assets (ROA) | 1.0485% | 2,249 |
| Pretax return on assets | 1.5804% | 1,340 |
| Return on Equity (ROE) | 10.6023% | 1,733 |
| Retained earnings to average equity (ytd only) | 7.4907% | 1,038 |
| Net charge-offs to loans | 0.6711% | 325 |
| Credit loss provision to net charge-offs | 80.2033% | 2,969 |
| Earnings coverage of net charge-offs (x) | 3.6435% | 3,628 |
| Efficiency ratio | 69.1497% | 3,049 |
| Assets per employee ($millions) | 4.1806% | 3,646 |
| Cash dividends to net income (ytd only)* | 29.3482% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,762 |
| Loan loss allowance to noncurrent loans | 422.6098% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 2,014 |
| Noncurrent loans to loans | 0.2979% | 4,080 |
| Net loans and leases to total assets | 80.7401% | 776 |
| Net loans and leases to deposits | 90.7197% | 1,603 |
| Net loans and leases to core deposits | 105.6297% | 1,154 |
| Total domestic deposits to total assets | 88.9995% | 1,122 |
| Equity capital to assets | 9.9833% | 3,742 |
| Core capital (leverage) ratio | 10.1803% | 3,251 |
| Tier 1 risk-based capital ratio | 13.0600% | 4,027 |
| Total risk-based capital ratio | 14.3112% | 3,940 |
| Memoranda: | ||
| Average total assets | $308,715,800 | 2,118 |
| Average earning assets | $277,527,000 | 2,169 |
| Average equity | $30,531,200 | 2,317 |
| Average total loans | $249,154,600 | 1,797 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1805% | 99 |
| Cost of funding earning assets | 0.5029% | 2,082 |
| Net interest margin | 5.6776% | 87 |
| Noninterest income to average assets | 1.4770% | 550 |
| Noninterest expense to average assets | 4.6160% | 343 |
| Loan and lease loss provision to assets | 0.4742% | 272 |
| Net operating income to assets | 1.0179% | 2,346 |
| Return on assets (ROA) | 1.0563% | 2,292 |
| Pretax return on assets | 1.5362% | 1,592 |
| Return on Equity (ROE) | 10.7072% | 1,785 |
| Retained earnings to average equity (ytd only) | 6.5178% | 1,901 |
| Net charge-offs to loans | 0.5279% | 402 |
| Credit loss provision to net charge-offs | 111.6803% | 2,206 |
| Earnings coverage of net charge-offs (x) | 4.6035% | 3,248 |
| Efficiency ratio | 70.2509% | 2,851 |
| Assets per employee ($millions) | 4.4484% | 3,166 |
| Cash dividends to net income (ytd only)* | 39.1270% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 1,996 |
| Loan loss allowance to noncurrent loans | 223.1832% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 1,682 |
| Noncurrent loans to loans | 0.6475% | 3,079 |
| Net loans and leases to total assets | 80.2435% | 855 |
| Net loans and leases to deposits | 90.2479% | 1,719 |
| Net loans and leases to core deposits | 102.3488% | 1,456 |
| Total domestic deposits to total assets | 88.9145% | 950 |
| Equity capital to assets | 9.8526% | 4,300 |
| Core capital (leverage) ratio | 10.0216% | 3,544 |
| Tier 1 risk-based capital ratio | 12.7551% | 4,307 |
| Total risk-based capital ratio | 14.0085% | 4,218 |
| Memoranda: | ||
| Average total assets | $306,464,250 | 2,135 |
| Average earning assets | $274,945,750 | 2,190 |
| Average equity | $30,234,250 | 2,352 |
| Average total loans | $246,493,250 | 1,817 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1574% | 108 |
| Cost of funding earning assets | 0.5065% | 2,049 |
| Net interest margin | 5.6509% | 96 |
| Noninterest income to average assets | 1.4953% | 531 |
| Noninterest expense to average assets | 4.6482% | 337 |
| Loan and lease loss provision to assets | 0.3330% | 495 |
| Net operating income to assets | 1.0826% | 2,022 |
| Return on assets (ROA) | 1.0826% | 2,157 |
| Pretax return on assets | 1.5751% | 1,438 |
| Return on Equity (ROE) | 10.9687% | 1,655 |
| Retained earnings to average equity (ytd only) | 6.2927% | 1,963 |
| Net charge-offs to loans | 0.3878% | 583 |
| Credit loss provision to net charge-offs | 107.2187% | 1,998 |
| Earnings coverage of net charge-offs (x) | 6.1444% | 2,776 |
| Efficiency ratio | 70.8970% | 2,845 |
| Assets per employee ($millions) | 4.2363% | 3,489 |
| Cash dividends to net income (ytd only)* | 42.6309% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 2,051 |
| Loan loss allowance to noncurrent loans | 299.0954% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 1.3786% | 1,430 |
| Noncurrent loans to loans | 0.4865% | 3,629 |
| Net loans and leases to total assets | 80.7613% | 790 |
| Net loans and leases to deposits | 91.0430% | 1,624 |
| Net loans and leases to core deposits | 103.7484% | 1,336 |
| Total domestic deposits to total assets | 88.7068% | 1,060 |
| Equity capital to assets | 10.0280% | 4,195 |
| Core capital (leverage) ratio | 9.9407% | 3,634 |
| Tier 1 risk-based capital ratio | 12.8341% | 4,294 |
| Total risk-based capital ratio | 14.0875% | 4,208 |
| Memoranda: | ||
| Average total assets | $303,340,670 | 2,162 |
| Average earning assets | $271,671,670 | 2,225 |
| Average equity | $29,939,670 | 2,375 |
| Average total loans | $242,940,000 | 1,840 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0926% | 111 |
| Cost of funding earning assets | 0.5113% | 2,015 |
| Net interest margin | 5.5813% | 102 |
| Noninterest income to average assets | 1.3554% | 603 |
| Noninterest expense to average assets | 4.6148% | 353 |
| Loan and lease loss provision to assets | 0.1560% | 1,342 |
| Net operating income to assets | 1.0856% | 1,963 |
| Return on assets (ROA) | 1.0856% | 2,061 |
| Pretax return on assets | 1.5788% | 1,351 |
| Return on Equity (ROE) | 11.0886% | 1,574 |
| Retained earnings to average equity (ytd only) | 4.3355% | 3,313 |
| Net charge-offs to loans | 0.2790% | 758 |
| Credit loss provision to net charge-offs | 70.6587% | 1,901 |
| Earnings coverage of net charge-offs (x) | 7.8563% | 2,110 |
| Efficiency ratio | 72.6781% | 2,698 |
| Assets per employee ($millions) | 4.3714% | 3,290 |
| Cash dividends to net income (ytd only)* | 60.9013% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 2,162 |
| Loan loss allowance to noncurrent loans | 439.3078% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 1.5353% | 1,315 |
| Noncurrent loans to loans | 0.3321% | 4,249 |
| Net loans and leases to total assets | 78.4470% | 1,036 |
| Net loans and leases to deposits | 88.1229% | 1,813 |
| Net loans and leases to core deposits | 100.3268% | 1,458 |
| Total domestic deposits to total assets | 89.0201% | 1,089 |
| Equity capital to assets | 9.7485% | 4,397 |
| Core capital (leverage) ratio | 9.7766% | 3,808 |
| Tier 1 risk-based capital ratio | 12.8374% | 4,366 |
| Total risk-based capital ratio | 14.0910% | 4,274 |
| Memoranda: | ||
| Average total assets | $302,503,000 | 2,168 |
| Average earning assets | $270,688,000 | 2,237 |
| Average equity | $29,616,000 | 2,394 |
| Average total loans | $239,424,000 | 1,862 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2171% | 107 |
| Cost of funding earning assets | 0.5388% | 1,848 |
| Net interest margin | 5.6783% | 97 |
| Noninterest income to average assets | 1.1940% | 846 |
| Noninterest expense to average assets | 4.2392% | 521 |
| Loan and lease loss provision to assets | 0.3771% | 373 |
| Net operating income to assets | 1.1099% | 1,880 |
| Return on assets (ROA) | 1.1099% | 1,947 |
| Pretax return on assets | 1.6617% | 1,077 |
| Return on Equity (ROE) | 11.6256% | 1,404 |
| Retained earnings to average equity (ytd only) | 8.9493% | 661 |
| Net charge-offs to loans | 0.4381% | 630 |
| Credit loss provision to net charge-offs | 108.0000% | 2,336 |
| Earnings coverage of net charge-offs (x) | 5.8390% | 3,321 |
| Efficiency ratio | 67.5240% | 3,661 |
| Assets per employee ($millions) | 4.3344% | 3,332 |
| Cash dividends to net income (ytd only)* | 23.0203% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 1,859 |
| Loan loss allowance to noncurrent loans | 293.4039% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 2.3064% | 706 |
| Noncurrent loans to loans | 0.5220% | 3,604 |
| Net loans and leases to total assets | 77.4540% | 1,194 |
| Net loans and leases to deposits | 87.2612% | 1,964 |
| Net loans and leases to core deposits | 99.9370% | 1,499 |
| Total domestic deposits to total assets | 88.7611% | 1,252 |
| Equity capital to assets | 9.8847% | 4,095 |
| Core capital (leverage) ratio | 9.7599% | 3,823 |
| Tier 1 risk-based capital ratio | 13.1337% | 4,214 |
| Total risk-based capital ratio | 14.3883% | 4,138 |
| Memoranda: | ||
| Average total assets | $293,548,800 | 2,187 |
| Average earning assets | $262,824,000 | 2,248 |
| Average equity | $28,024,400 | 2,459 |
| Average total loans | $233,962,400 | 1,843 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1962% | 109 |
| Cost of funding earning assets | 0.5410% | 1,877 |
| Net interest margin | 5.6552% | 99 |
| Noninterest income to average assets | 1.1692% | 877 |
| Noninterest expense to average assets | 4.1578% | 555 |
| Loan and lease loss provision to assets | 0.3838% | 324 |
| Net operating income to assets | 1.1080% | 1,970 |
| Return on assets (ROA) | 1.1080% | 2,049 |
| Pretax return on assets | 1.6985% | 1,111 |
| Return on Equity (ROE) | 11.7123% | 1,458 |
| Retained earnings to average equity (ytd only) | 8.0944% | 1,215 |
| Net charge-offs to loans | 0.4503% | 563 |
| Credit loss provision to net charge-offs | 106.5906% | 2,160 |
| Earnings coverage of net charge-offs (x) | 5.7833% | 3,151 |
| Efficiency ratio | 66.6301% | 3,779 |
| Assets per employee ($millions) | 4.3093% | 3,306 |
| Cash dividends to net income (ytd only)* | 30.8898% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 2,093 |
| Loan loss allowance to noncurrent loans | 129.9854% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 2.2600% | 824 |
| Noncurrent loans to loans | 1.1650% | 2,193 |
| Net loans and leases to total assets | 78.1275% | 1,078 |
| Net loans and leases to deposits | 87.9021% | 1,918 |
| Net loans and leases to core deposits | 101.1834% | 1,431 |
| Total domestic deposits to total assets | 88.8801% | 1,086 |
| Equity capital to assets | 9.6293% | 4,603 |
| Core capital (leverage) ratio | 9.5897% | 4,183 |
| Tier 1 risk-based capital ratio | 12.7502% | 4,577 |
| Total risk-based capital ratio | 14.0047% | 4,484 |
| Memoranda: | ||
| Average total assets | $292,166,750 | 2,207 |
| Average earning assets | $261,982,750 | 2,267 |
| Average equity | $27,639,750 | 2,502 |
| Average total loans | $233,640,500 | 1,854 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1949% | 105 |
| Cost of funding earning assets | 0.5417% | 1,894 |
| Net interest margin | 5.6533% | 100 |
| Noninterest income to average assets | 1.2237% | 812 |
| Noninterest expense to average assets | 4.2088% | 538 |
| Loan and lease loss provision to assets | 0.4462% | 243 |
| Net operating income to assets | 1.0873% | 1,990 |
| Return on assets (ROA) | 1.0873% | 2,092 |
| Pretax return on assets | 1.6423% | 1,213 |
| Return on Equity (ROE) | 11.5640% | 1,508 |
| Retained earnings to average equity (ytd only) | 6.0713% | 2,195 |
| Net charge-offs to loans | 0.5882% | 409 |
| Credit loss provision to net charge-offs | 94.5985% | 2,147 |
| Earnings coverage of net charge-offs (x) | 4.4277% | 3,043 |
| Efficiency ratio | 66.8343% | 3,861 |
| Assets per employee ($millions) | 4.2219% | 3,431 |
| Cash dividends to net income (ytd only)* | 47.4984% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 2,319 |
| Loan loss allowance to noncurrent loans | 140.7273% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 2.2090% | 945 |
| Noncurrent loans to loans | 1.0624% | 2,518 |
| Net loans and leases to total assets | 78.7773% | 964 |
| Net loans and leases to deposits | 88.4878% | 1,771 |
| Net loans and leases to core deposits | 102.9907% | 1,267 |
| Total domestic deposits to total assets | 89.0262% | 1,124 |
| Equity capital to assets | 9.5101% | 4,640 |
| Core capital (leverage) ratio | 9.3332% | 4,512 |
| Tier 1 risk-based capital ratio | 12.5209% | 4,788 |
| Total risk-based capital ratio | 13.7750% | 4,707 |
| Memoranda: | ||
| Average total assets | $290,441,670 | 2,231 |
| Average earning assets | $260,664,000 | 2,291 |
| Average equity | $27,309,000 | 2,537 |
| Average total loans | $232,894,670 | 1,858 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1760% | 108 |
| Cost of funding earning assets | 0.5364% | 1,959 |
| Net interest margin | 5.6396% | 100 |
| Noninterest income to average assets | 1.1945% | 797 |
| Noninterest expense to average assets | 4.1585% | 580 |
| Loan and lease loss provision to assets | 0.5103% | 201 |
| Net operating income to assets | 1.0386% | 2,086 |
| Return on assets (ROA) | 1.0386% | 2,235 |
| Pretax return on assets | 1.5862% | 1,303 |
| Return on Equity (ROE) | 11.1097% | 1,606 |
| Retained earnings to average equity (ytd only) | 7.4212% | 1,800 |
| Net charge-offs to loans | 0.7782% | 300 |
| Credit loss provision to net charge-offs | 81.6777% | 1,815 |
| Earnings coverage of net charge-offs (x) | 3.3554% | 2,615 |
| Efficiency ratio | 66.4829% | 4,069 |
| Assets per employee ($millions) | 4.0663% | 3,834 |
| Cash dividends to net income (ytd only)* | 33.2005% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 2,484 |
| Loan loss allowance to noncurrent loans | 131.8880% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 2.2214% | 1,037 |
| Noncurrent loans to loans | 1.1298% | 2,514 |
| Net loans and leases to total assets | 76.5447% | 1,130 |
| Net loans and leases to deposits | 85.7121% | 1,868 |
| Net loans and leases to core deposits | 99.3985% | 1,365 |
| Total domestic deposits to total assets | 89.3044% | 1,091 |
| Equity capital to assets | 9.2342% | 5,045 |
| Core capital (leverage) ratio | 9.3879% | 4,450 |
| Tier 1 risk-based capital ratio | 11.5623% | 5,519 |
| Total risk-based capital ratio | 12.8148% | 5,434 |
| Memoranda: | ||
| Average total assets | $290,007,000 | 2,250 |
| Average earning assets | $260,232,000 | 2,312 |
| Average equity | $27,111,500 | 2,572 |
| Average total loans | $232,857,000 | 1,849 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5622% | 88 |
| Cost of funding earning assets | 0.5313% | 2,376 |
| Net interest margin | 6.0309% | 83 |
| Noninterest income to average assets | 1.3942% | 626 |
| Noninterest expense to average assets | 4.6174% | 416 |
| Loan and lease loss provision to assets | 0.4380% | 383 |
| Net operating income to assets | 1.1177% | 1,914 |
| Return on assets (ROA) | 1.1177% | 1,968 |
| Pretax return on assets | 1.7157% | 952 |
| Return on Equity (ROE) | 12.0565% | 1,392 |
| Retained earnings to average equity (ytd only) | 10.4696% | 447 |
| Net charge-offs to loans | 0.4589% | 911 |
| Credit loss provision to net charge-offs | 115.2953% | 2,070 |
| Earnings coverage of net charge-offs (x) | 5.6689% | 3,377 |
| Efficiency ratio | 68.1929% | 3,868 |
| Assets per employee ($millions) | 4.0453% | 3,847 |
| Cash dividends to net income (ytd only)* | 13.1622% | 4,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 2,488 |
| Loan loss allowance to noncurrent loans | 306.6202% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 1.6870% | 1,587 |
| Noncurrent loans to loans | 0.4884% | 4,199 |
| Net loans and leases to total assets | 81.7666% | 545 |
| Net loans and leases to deposits | 92.6346% | 1,226 |
| Net loans and leases to core deposits | 107.8163% | 903 |
| Total domestic deposits to total assets | 88.2679% | 1,628 |
| Equity capital to assets | 9.4684% | 4,754 |
| Core capital (leverage) ratio | 9.3606% | 4,450 |
| Tier 1 risk-based capital ratio | 11.9115% | 5,422 |
| Total risk-based capital ratio | 13.1656% | 5,327 |
| Memoranda: | ||
| Average total assets | $271,907,000 | 2,348 |
| Average earning assets | $242,418,200 | 2,406 |
| Average equity | $25,206,400 | 2,639 |
| Average total loans | $225,122,800 | 1,864 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5444% | 86 |
| Cost of funding earning assets | 0.5231% | 2,539 |
| Net interest margin | 6.0212% | 84 |
| Noninterest income to average assets | 1.4617% | 587 |
| Noninterest expense to average assets | 4.6308% | 405 |
| Loan and lease loss provision to assets | 0.5153% | 289 |
| Net operating income to assets | 1.1039% | 2,010 |
| Return on assets (ROA) | 1.1039% | 2,075 |
| Pretax return on assets | 1.6762% | 1,122 |
| Return on Equity (ROE) | 11.9758% | 1,489 |
| Retained earnings to average equity (ytd only) | 9.8257% | 753 |
| Net charge-offs to loans | 0.4288% | 925 |
| Credit loss provision to net charge-offs | 145.2514% | 1,627 |
| Earnings coverage of net charge-offs (x) | 6.1774% | 3,131 |
| Efficiency ratio | 67.8771% | 3,881 |
| Assets per employee ($millions) | 3.7604% | 4,374 |
| Cash dividends to net income (ytd only)* | 17.9533% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 2,449 |
| Loan loss allowance to noncurrent loans | 367.1315% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 1.6240% | 1,864 |
| Noncurrent loans to loans | 0.4254% | 4,630 |
| Net loans and leases to total assets | 82.3794% | 475 |
| Net loans and leases to deposits | 93.9851% | 1,046 |
| Net loans and leases to core deposits | 109.3285% | 774 |
| Total domestic deposits to total assets | 87.6516% | 1,954 |
| Equity capital to assets | 9.1711% | 5,181 |
| Core capital (leverage) ratio | 9.2505% | 4,707 |
| Tier 1 risk-based capital ratio | 11.4164% | 5,827 |
| Total risk-based capital ratio | 12.6710% | 5,765 |
| Memoranda: | ||
| Average total assets | $269,090,500 | 2,382 |
| Average earning assets | $239,568,750 | 2,445 |
| Average equity | $24,805,000 | 2,688 |
| Average total loans | $222,638,250 | 1,889 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4668% | 93 |
| Cost of funding earning assets | 0.5143% | 2,681 |
| Net interest margin | 5.9524% | 86 |
| Noninterest income to average assets | 1.3929% | 623 |
| Noninterest expense to average assets | 4.5510% | 427 |
| Loan and lease loss provision to assets | 0.4834% | 311 |
| Net operating income to assets | 1.0824% | 2,001 |
| Return on assets (ROA) | 1.0824% | 2,066 |
| Pretax return on assets | 1.6474% | 1,145 |
| Return on Equity (ROE) | 11.7211% | 1,513 |
| Retained earnings to average equity (ytd only) | 9.6762% | 800 |
| Net charge-offs to loans | 0.4180% | 976 |
| Credit loss provision to net charge-offs | 140.3509% | 1,521 |
| Earnings coverage of net charge-offs (x) | 6.1864% | 2,812 |
| Efficiency ratio | 68.1099% | 3,987 |
| Assets per employee ($millions) | 3.6593% | 4,530 |
| Cash dividends to net income (ytd only)* | 17.4459% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 2,624 |
| Loan loss allowance to noncurrent loans | 384.5987% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 1.9312% | 1,670 |
| Noncurrent loans to loans | 0.4058% | 4,771 |
| Net loans and leases to total assets | 81.5041% | 520 |
| Net loans and leases to deposits | 92.2062% | 1,122 |
| Net loans and leases to core deposits | 108.1618% | 760 |
| Total domestic deposits to total assets | 88.3933% | 1,688 |
| Equity capital to assets | 9.1578% | 5,148 |
| Core capital (leverage) ratio | 9.3270% | 4,556 |
| Tier 1 risk-based capital ratio | 11.4654% | 5,820 |
| Total risk-based capital ratio | 12.7201% | 5,769 |
| Memoranda: | ||
| Average total assets | $264,778,000 | 2,412 |
| Average earning assets | $235,265,000 | 2,488 |
| Average equity | $24,451,670 | 2,718 |
| Average total loans | $218,178,000 | 1,917 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3778% | 96 |
| Cost of funding earning assets | 0.5119% | 2,787 |
| Net interest margin | 5.8659% | 90 |
| Noninterest income to average assets | 1.2941% | 669 |
| Noninterest expense to average assets | 4.5287% | 444 |
| Loan and lease loss provision to assets | 0.4309% | 381 |
| Net operating income to assets | 1.0248% | 2,105 |
| Return on assets (ROA) | 1.0248% | 2,177 |
| Pretax return on assets | 1.5542% | 1,281 |
| Return on Equity (ROE) | 11.0489% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.0489% | 734 |
| Net charge-offs to loans | 0.3220% | 1,101 |
| Credit loss provision to net charge-offs | 162.7907% | 1,193 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,113 |
| Efficiency ratio | 69.5252% | 3,907 |
| Assets per employee ($millions) | 3.4386% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 2,722 |
| Loan loss allowance to noncurrent loans | 439.2405% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 1.6036% | 2,195 |
| Noncurrent loans to loans | 0.3635% | 5,037 |
| Net loans and leases to total assets | 79.7340% | 581 |
| Net loans and leases to deposits | 89.9829% | 1,152 |
| Net loans and leases to core deposits | 101.6479% | 1,006 |
| Total domestic deposits to total assets | 88.6102% | 1,884 |
| Equity capital to assets | 9.1315% | 4,969 |
| Core capital (leverage) ratio | 9.3864% | 4,443 |
| Tier 1 risk-based capital ratio | 11.7177% | 5,805 |
| Total risk-based capital ratio | 12.9729% | 5,742 |
| Memoranda: | ||
| Average total assets | $259,945,000 | 2,457 |
| Average earning assets | $231,301,000 | 2,540 |
| Average equity | $24,111,000 | 2,747 |
| Average total loans | $213,652,500 | 1,951 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5630% | 95 |
| Cost of funding earning assets | 0.4698% | 3,915 |
| Net interest margin | 6.0932% | 77 |
| Noninterest income to average assets | 1.4219% | 689 |
| Noninterest expense to average assets | 4.5329% | 516 |
| Loan and lease loss provision to assets | 0.6333% | 383 |
| Net operating income to assets | 1.0774% | 2,006 |
| Return on assets (ROA) | 1.0911% | 2,036 |
| Pretax return on assets | 1.6593% | 1,034 |
| Return on Equity (ROE) | 11.4626% | 1,608 |
| Retained earnings to average equity (ytd only) | 8.1926% | 992 |
| Net charge-offs to loans | 0.6263% | 1,045 |
| Credit loss provision to net charge-offs | 128.2353% | 1,834 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 3,519 |
| Efficiency ratio | 66.6138% | 4,453 |
| Assets per employee ($millions) | 3.1858% | 5,517 |
| Cash dividends to net income (ytd only)* | 28.5280% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 2,757 |
| Loan loss allowance to noncurrent loans | 398.8138% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 1.4574% | 2,556 |
| Noncurrent loans to loans | 0.4015% | 5,003 |
| Net loans and leases to total assets | 82.0957% | 409 |
| Net loans and leases to deposits | 94.4211% | 847 |
| Net loans and leases to core deposits | 103.1039% | 968 |
| Total domestic deposits to total assets | 86.9464% | 2,752 |
| Equity capital to assets | 9.4288% | 4,520 |
| Core capital (leverage) ratio | 9.5322% | 4,213 |
| Tier 1 risk-based capital ratio | 11.8439% | 5,711 |
| Total risk-based capital ratio | 13.0991% | 5,643 |
| Memoranda: | ||
| Average total assets | $240,948,200 | 2,608 |
| Average earning assets | $212,861,400 | 2,689 |
| Average equity | $22,935,400 | 2,831 |
| Average total loans | $190,003,200 | 2,101 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4882% | 96 |
| Cost of funding earning assets | 0.4711% | 4,059 |
| Net interest margin | 6.0171% | 82 |
| Noninterest income to average assets | 1.4185% | 733 |
| Noninterest expense to average assets | 4.5270% | 505 |
| Loan and lease loss provision to assets | 0.5909% | 418 |
| Net operating income to assets | 1.0565% | 2,165 |
| Return on assets (ROA) | 1.0750% | 2,183 |
| Pretax return on assets | 1.6323% | 1,261 |
| Return on Equity (ROE) | 11.2649% | 1,717 |
| Retained earnings to average equity (ytd only) | 8.3329% | 1,277 |
| Net charge-offs to loans | 0.5758% | 1,094 |
| Credit loss provision to net charge-offs | 132.1652% | 1,785 |
| Earnings coverage of net charge-offs (x) | 4.9099% | 3,326 |
| Efficiency ratio | 67.3437% | 4,223 |
| Assets per employee ($millions) | 3.3461% | 5,192 |
| Cash dividends to net income (ytd only)* | 26.0281% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6803% | 2,697 |
| Loan loss allowance to noncurrent loans | 487.2404% | 903 |
| Noncurrent assets plus other real estate owned to assets | 1.3086% | 3,036 |
| Noncurrent loans to loans | 0.3449% | 5,350 |
| Net loans and leases to total assets | 76.5710% | 926 |
| Net loans and leases to deposits | 86.1751% | 1,596 |
| Net loans and leases to core deposits | 91.7289% | 1,788 |
| Total domestic deposits to total assets | 88.8551% | 1,641 |
| Equity capital to assets | 9.2466% | 4,870 |
| Core capital (leverage) ratio | 9.6279% | 4,207 |
| Tier 1 risk-based capital ratio | 12.4058% | 5,514 |
| Total risk-based capital ratio | 13.6621% | 5,442 |
| Memoranda: | ||
| Average total assets | $238,266,000 | 2,653 |
| Average earning assets | $210,018,500 | 2,742 |
| Average equity | $22,736,750 | 2,879 |
| Average total loans | $185,009,500 | 2,157 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4556% | 102 |
| Cost of funding earning assets | 0.4771% | 4,129 |
| Net interest margin | 5.9785% | 83 |
| Noninterest income to average assets | 1.4964% | 702 |
| Noninterest expense to average assets | 4.5950% | 486 |
| Loan and lease loss provision to assets | 0.5734% | 449 |
| Net operating income to assets | 1.0469% | 2,128 |
| Return on assets (ROA) | 1.0751% | 2,129 |
| Pretax return on assets | 1.6177% | 1,312 |
| Return on Equity (ROE) | 11.1423% | 1,771 |
| Retained earnings to average equity (ytd only) | 11.1423% | 619 |
| Net charge-offs to loans | 0.8087% | 776 |
| Credit loss provision to net charge-offs | 91.4169% | 2,408 |
| Earnings coverage of net charge-offs (x) | 3.4251% | 3,388 |
| Efficiency ratio | 68.1409% | 4,156 |
| Assets per employee ($millions) | 3.1976% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 3,071 |
| Loan loss allowance to noncurrent loans | 462.9688% | 935 |
| Noncurrent assets plus other real estate owned to assets | 1.4715% | 2,902 |
| Noncurrent loans to loans | 0.3511% | 5,411 |
| Net loans and leases to total assets | 75.7910% | 1,005 |
| Net loans and leases to deposits | 85.1009% | 1,675 |
| Net loans and leases to core deposits | 90.9224% | 1,819 |
| Total domestic deposits to total assets | 89.0602% | 1,597 |
| Equity capital to assets | 9.7472% | 4,244 |
| Core capital (leverage) ratio | 9.8343% | 3,748 |
| Tier 1 risk-based capital ratio | 12.8805% | 5,238 |
| Total risk-based capital ratio | 14.1358% | 5,168 |
| Memoranda: | ||
| Average total assets | $234,035,330 | 2,706 |
| Average earning assets | $205,404,000 | 2,806 |
| Average equity | $22,580,670 | 2,917 |
| Average total loans | $181,531,000 | 2,187 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3450% | 108 |
| Cost of funding earning assets | 0.4794% | 4,282 |
| Net interest margin | 5.8657% | 89 |
| Noninterest income to average assets | 1.3973% | 789 |
| Noninterest expense to average assets | 4.3740% | 591 |
| Loan and lease loss provision to assets | 0.4658% | 592 |
| Net operating income to assets | 1.1240% | 1,763 |
| Return on assets (ROA) | 1.1240% | 1,882 |
| Pretax return on assets | 1.7101% | 1,049 |
| Return on Equity (ROE) | 11.7105% | 1,495 |
| Retained earnings to average equity (ytd only) | 11.7105% | 744 |
| Net charge-offs to loans | 0.5741% | 1,062 |
| Credit loss provision to net charge-offs | 104.2308% | 1,768 |
| Earnings coverage of net charge-offs (x) | 4.8692% | 2,464 |
| Efficiency ratio | 66.7804% | 4,526 |
| Assets per employee ($millions) | 3.3265% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6811% | 3,089 |
| Loan loss allowance to noncurrent loans | 212.0810% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 1.8321% | 2,568 |
| Noncurrent loans to loans | 0.7927% | 4,537 |
| Net loans and leases to total assets | 75.2036% | 937 |
| Net loans and leases to deposits | 84.8623% | 1,489 |
| Net loans and leases to core deposits | 90.5788% | 1,650 |
| Total domestic deposits to total assets | 88.6184% | 1,919 |
| Equity capital to assets | 9.5830% | 4,733 |
| Core capital (leverage) ratio | 9.5605% | 3,985 |
| Tier 1 risk-based capital ratio | 12.6780% | 5,442 |
| Total risk-based capital ratio | 13.9339% | 5,394 |
| Memoranda: | ||
| Average total assets | $232,741,500 | 2,750 |
| Average earning assets | $204,443,500 | 2,851 |
| Average equity | $22,339,000 | 2,990 |
| Average total loans | $181,145,500 | 2,199 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6616% | 107 |
| Cost of funding earning assets | 0.5378% | 4,931 |
| Net interest margin | 6.1238% | 80 |
| Noninterest income to average assets | 1.2050% | 1,085 |
| Noninterest expense to average assets | 4.4578% | 596 |
| Loan and lease loss provision to assets | 0.5758% | 968 |
| Net operating income to assets | 1.0400% | 2,166 |
| Return on assets (ROA) | 1.0588% | 2,282 |
| Pretax return on assets | 1.5978% | 1,398 |
| Return on Equity (ROE) | 11.3097% | 1,709 |
| Retained earnings to average equity (ytd only) | 6.5637% | 1,785 |
| Net charge-offs to loans | 0.5530% | 2,082 |
| Credit loss provision to net charge-offs | 135.2818% | 2,063 |
| Earnings coverage of net charge-offs (x) | 5.0397% | 3,166 |
| Efficiency ratio | 67.5123% | 4,231 |
| Assets per employee ($millions) | 3.1412% | 5,757 |
| Cash dividends to net income (ytd only)* | 41.9639% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 3,060 |
| Loan loss allowance to noncurrent loans | 512.0135% | 812 |
| Noncurrent assets plus other real estate owned to assets | 1.4780% | 3,166 |
| Noncurrent loans to loans | 0.3254% | 5,671 |
| Net loans and leases to total assets | 77.8935% | 690 |
| Net loans and leases to deposits | 88.2650% | 1,237 |
| Net loans and leases to core deposits | 95.2151% | 1,372 |
| Total domestic deposits to total assets | 88.2497% | 2,064 |
| Equity capital to assets | 9.6139% | 4,723 |
| Core capital (leverage) ratio | 9.4742% | 4,144 |
| Tier 1 risk-based capital ratio | 12.3759% | 5,562 |
| Total risk-based capital ratio | 13.6316% | 5,507 |
| Memoranda: | ||
| Average total assets | $225,065,800 | 2,783 |
| Average earning assets | $198,390,800 | 2,864 |
| Average equity | $21,070,400 | 3,087 |
| Average total loans | $173,226,200 | 2,278 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5561% | 131 |
| Cost of funding earning assets | 0.5494% | 5,095 |
| Net interest margin | 6.0067% | 88 |
| Noninterest income to average assets | 1.1208% | 1,197 |
| Noninterest expense to average assets | 4.3022% | 658 |
| Loan and lease loss provision to assets | 0.6220% | 860 |
| Net operating income to assets | 0.9895% | 2,562 |
| Return on assets (ROA) | 1.0142% | 2,665 |
| Pretax return on assets | 1.5380% | 1,762 |
| Return on Equity (ROE) | 10.9088% | 1,991 |
| Retained earnings to average equity (ytd only) | 4.5069% | 3,725 |
| Net charge-offs to loans | 0.6218% | 1,770 |
| Credit loss provision to net charge-offs | 130.9524% | 2,198 |
| Earnings coverage of net charge-offs (x) | 4.4687% | 3,294 |
| Efficiency ratio | 66.9631% | 4,254 |
| Assets per employee ($millions) | 3.3770% | 5,265 |
| Cash dividends to net income (ytd only)* | 58.6855% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 3,307 |
| Loan loss allowance to noncurrent loans | 244.1764% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 1.7106% | 3,031 |
| Noncurrent loans to loans | 0.6784% | 5,088 |
| Net loans and leases to total assets | 74.7808% | 1,136 |
| Net loans and leases to deposits | 83.7683% | 1,893 |
| Net loans and leases to core deposits | 89.8450% | 2,003 |
| Total domestic deposits to total assets | 89.2710% | 1,263 |
| Equity capital to assets | 9.1647% | 5,637 |
| Core capital (leverage) ratio | 9.3460% | 4,508 |
| Tier 1 risk-based capital ratio | 12.2345% | 5,813 |
| Total risk-based capital ratio | 13.4902% | 5,783 |
| Memoranda: | ||
| Average total assets | $224,006,250 | 2,812 |
| Average earning assets | $197,797,000 | 2,887 |
| Average equity | $20,826,750 | 3,132 |
| Average total loans | $171,123,000 | 2,331 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5257% | 142 |
| Cost of funding earning assets | 0.5749% | 5,119 |
| Net interest margin | 5.9508% | 94 |
| Noninterest income to average assets | 1.0235% | 1,394 |
| Noninterest expense to average assets | 4.2334% | 704 |
| Loan and lease loss provision to assets | 0.6244% | 931 |
| Net operating income to assets | 0.9279% | 2,773 |
| Return on assets (ROA) | 0.9565% | 2,880 |
| Pretax return on assets | 1.4552% | 1,990 |
| Return on Equity (ROE) | 10.2370% | 2,267 |
| Retained earnings to average equity (ytd only) | 5.3945% | 3,051 |
| Net charge-offs to loans | 0.6351% | 1,728 |
| Credit loss provision to net charge-offs | 128.4916% | 2,144 |
| Earnings coverage of net charge-offs (x) | 4.1899% | 3,151 |
| Efficiency ratio | 67.5231% | 4,232 |
| Assets per employee ($millions) | 3.1563% | 5,731 |
| Cash dividends to net income (ytd only)* | 47.3037% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 3,459 |
| Loan loss allowance to noncurrent loans | 212.3318% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 1.7294% | 3,131 |
| Noncurrent loans to loans | 0.7726% | 4,962 |
| Net loans and leases to total assets | 77.0954% | 837 |
| Net loans and leases to deposits | 85.9333% | 1,609 |
| Net loans and leases to core deposits | 92.2231% | 1,761 |
| Total domestic deposits to total assets | 89.7154% | 1,097 |
| Equity capital to assets | 9.5509% | 4,986 |
| Core capital (leverage) ratio | 9.5060% | 4,134 |
| Tier 1 risk-based capital ratio | 12.5943% | 5,503 |
| Total risk-based capital ratio | 13.8503% | 5,482 |
| Memoranda: | ||
| Average total assets | $221,004,000 | 2,856 |
| Average earning assets | $194,829,330 | 2,941 |
| Average equity | $20,650,670 | 3,143 |
| Average total loans | $169,102,670 | 2,358 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3613% | 190 |
| Cost of funding earning assets | 0.5986% | 5,146 |
| Net interest margin | 5.7627% | 127 |
| Noninterest income to average assets | 0.8668% | 1,878 |
| Noninterest expense to average assets | 4.2147% | 726 |
| Loan and lease loss provision to assets | 0.6696% | 799 |
| Net operating income to assets | 0.7365% | 3,703 |
| Return on assets (ROA) | 0.7365% | 3,936 |
| Pretax return on assets | 1.0695% | 3,437 |
| Return on Equity (ROE) | 7.9706% | 3,294 |
| Retained earnings to average equity (ytd only) | -1.8213% | 6,256 |
| Net charge-offs to loans | 0.7781% | 1,320 |
| Credit loss provision to net charge-offs | 113.8462% | 2,076 |
| Earnings coverage of net charge-offs (x) | 2.9569% | 3,003 |
| Efficiency ratio | 70.7903% | 3,658 |
| Assets per employee ($millions) | 3.1519% | 5,861 |
| Cash dividends to net income (ytd only)* | 122.8501% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 3,642 |
| Loan loss allowance to noncurrent loans | 179.5664% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.9580% | 2,963 |
| Noncurrent loans to loans | 0.9023% | 4,865 |
| Net loans and leases to total assets | 75.2185% | 893 |
| Net loans and leases to deposits | 84.2365% | 1,635 |
| Net loans and leases to core deposits | 89.8196% | 1,863 |
| Total domestic deposits to total assets | 89.2944% | 1,483 |
| Equity capital to assets | 9.2602% | 5,143 |
| Core capital (leverage) ratio | 9.2048% | 4,509 |
| Tier 1 risk-based capital ratio | 12.5837% | 5,533 |
| Total risk-based capital ratio | 13.8393% | 5,496 |
| Memoranda: | ||
| Average total assets | $221,034,500 | 2,879 |
| Average earning assets | $195,118,000 | 2,963 |
| Average equity | $20,425,000 | 3,174 |
| Average total loans | $167,065,000 | 2,398 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5646% | 167 |
| Cost of funding earning assets | 0.9216% | 3,949 |
| Net interest margin | 5.6430% | 141 |
| Noninterest income to average assets | 1.1216% | 1,054 |
| Noninterest expense to average assets | 4.1636% | 848 |
| Loan and lease loss provision to assets | 1.0646% | 862 |
| Net operating income to assets | 0.5919% | 4,044 |
| Return on assets (ROA) | 0.6088% | 4,139 |
| Pretax return on assets | 0.8717% | 3,705 |
| Return on Equity (ROE) | 6.6474% | 3,564 |
| Retained earnings to average equity (ytd only) | 4.1160% | 3,257 |
| Net charge-offs to loans | 1.2610% | 1,318 |
| Credit loss provision to net charge-offs | 111.5104% | 2,983 |
| Earnings coverage of net charge-offs (x) | 2.0029% | 4,279 |
| Efficiency ratio | 68.5287% | 4,248 |
| Assets per employee ($millions) | 3.3050% | 5,500 |
| Cash dividends to net income (ytd only)* | 38.0807% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 3,494 |
| Loan loss allowance to noncurrent loans | 229.1560% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 1.8272% | 3,219 |
| Noncurrent loans to loans | 0.7090% | 5,278 |
| Net loans and leases to total assets | 73.4986% | 1,358 |
| Net loans and leases to deposits | 82.6459% | 2,116 |
| Net loans and leases to core deposits | 88.8099% | 2,272 |
| Total domestic deposits to total assets | 88.9318% | 1,589 |
| Equity capital to assets | 9.2211% | 5,259 |
| Core capital (leverage) ratio | 9.1547% | 4,539 |
| Tier 1 risk-based capital ratio | 12.8288% | 5,216 |
| Total risk-based capital ratio | 14.0842% | 5,191 |
| Memoranda: | ||
| Average total assets | $215,677,200 | 2,888 |
| Average earning assets | $189,348,800 | 2,972 |
| Average equity | $19,752,200 | 3,185 |
| Average total loans | $163,285,200 | 2,453 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5939% | 169 |
| Cost of funding earning assets | 0.9959% | 3,705 |
| Net interest margin | 5.5980% | 153 |
| Noninterest income to average assets | 1.0928% | 1,119 |
| Noninterest expense to average assets | 4.1542% | 835 |
| Loan and lease loss provision to assets | 1.0704% | 777 |
| Net operating income to assets | 0.5275% | 4,414 |
| Return on assets (ROA) | 0.5495% | 4,503 |
| Pretax return on assets | 0.8084% | 4,097 |
| Return on Equity (ROE) | 6.0111% | 4,016 |
| Retained earnings to average equity (ytd only) | 2.6073% | 4,803 |
| Net charge-offs to loans | 1.2616% | 1,234 |
| Credit loss provision to net charge-offs | 111.6883% | 2,936 |
| Earnings coverage of net charge-offs (x) | 1.9266% | 4,205 |
| Efficiency ratio | 69.2284% | 4,087 |
| Assets per employee ($millions) | 3.4191% | 5,204 |
| Cash dividends to net income (ytd only)* | 56.6253% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 3,672 |
| Loan loss allowance to noncurrent loans | 213.5552% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 1.4455% | 3,953 |
| Noncurrent loans to loans | 0.7489% | 5,380 |
| Net loans and leases to total assets | 73.9791% | 1,326 |
| Net loans and leases to deposits | 81.7592% | 2,404 |
| Net loans and leases to core deposits | 87.9608% | 2,499 |
| Total domestic deposits to total assets | 90.4841% | 644 |
| Equity capital to assets | 9.1375% | 5,599 |
| Core capital (leverage) ratio | 9.2820% | 4,478 |
| Tier 1 risk-based capital ratio | 12.7352% | 5,305 |
| Total risk-based capital ratio | 13.9908% | 5,278 |
| Memoranda: | ||
| Average total assets | $214,237,250 | 2,908 |
| Average earning assets | $187,825,250 | 2,998 |
| Average equity | $19,585,500 | 3,207 |
| Average total loans | $162,746,250 | 2,473 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5840% | 184 |
| Cost of funding earning assets | 1.0460% | 3,634 |
| Net interest margin | 5.5380% | 168 |
| Noninterest income to average assets | 1.1988% | 896 |
| Noninterest expense to average assets | 4.2434% | 791 |
| Loan and lease loss provision to assets | 1.0108% | 859 |
| Net operating income to assets | 0.5365% | 4,346 |
| Return on assets (ROA) | 0.5698% | 4,340 |
| Pretax return on assets | 0.8321% | 3,903 |
| Return on Equity (ROE) | 6.2317% | 3,831 |
| Retained earnings to average equity (ytd only) | 1.0900% | 5,426 |
| Net charge-offs to loans | 1.3604% | 1,117 |
| Credit loss provision to net charge-offs | 97.4615% | 3,237 |
| Earnings coverage of net charge-offs (x) | 1.7298% | 4,004 |
| Efficiency ratio | 70.2850% | 4,054 |
| Assets per employee ($millions) | 3.3300% | 5,369 |
| Cash dividends to net income (ytd only)* | 82.5083% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 4,081 |
| Loan loss allowance to noncurrent loans | 457.1698% | 725 |
| Noncurrent assets plus other real estate owned to assets | 2.0866% | 3,133 |
| Noncurrent loans to loans | 0.3306% | 6,253 |
| Net loans and leases to total assets | 74.0882% | 1,403 |
| Net loans and leases to deposits | 82.2991% | 2,408 |
| Net loans and leases to core deposits | 92.5383% | 2,070 |
| Total domestic deposits to total assets | 90.0231% | 967 |
| Equity capital to assets | 9.1862% | 5,301 |
| Core capital (leverage) ratio | 9.2789% | 4,276 |
| Tier 1 risk-based capital ratio | 12.5632% | 5,278 |
| Total risk-based capital ratio | 13.8167% | 5,248 |
| Memoranda: | ||
| Average total assets | $212,708,330 | 2,942 |
| Average earning assets | $185,843,330 | 3,050 |
| Average equity | $19,449,000 | 3,210 |
| Average total loans | $162,156,670 | 2,512 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5305% | 202 |
| Cost of funding earning assets | 1.0555% | 3,809 |
| Net interest margin | 5.4750% | 172 |
| Noninterest income to average assets | 1.2311% | 838 |
| Noninterest expense to average assets | 4.0376% | 990 |
| Loan and lease loss provision to assets | 1.4588% | 446 |
| Net operating income to assets | 0.3652% | 5,101 |
| Return on assets (ROA) | 0.3652% | 5,185 |
| Pretax return on assets | 0.5289% | 4,929 |
| Return on Equity (ROE) | 4.0032% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.0032% | 3,772 |
| Net charge-offs to loans | 2.3008% | 520 |
| Credit loss provision to net charge-offs | 82.6226% | 3,105 |
| Earnings coverage of net charge-offs (x) | 1.1258% | 3,820 |
| Efficiency ratio | 67.0103% | 4,849 |
| Assets per employee ($millions) | 3.4270% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 4,624 |
| Loan loss allowance to noncurrent loans | 214.4330% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 2.5626% | 2,668 |
| Noncurrent loans to loans | 0.6566% | 5,719 |
| Net loans and leases to total assets | 76.6460% | 938 |
| Net loans and leases to deposits | 86.5834% | 1,640 |
| Net loans and leases to core deposits | 97.8623% | 1,536 |
| Total domestic deposits to total assets | 88.5227% | 2,060 |
| Equity capital to assets | 9.3309% | 4,675 |
| Core capital (leverage) ratio | 9.4000% | 3,965 |
| Tier 1 risk-based capital ratio | 12.5267% | 5,239 |
| Total risk-based capital ratio | 13.7791% | 5,218 |
| Memoranda: | ||
| Average total assets | $212,501,000 | 2,961 |
| Average earning assets | $186,080,500 | 3,065 |
| Average equity | $19,384,500 | 3,210 |
| Average total loans | $163,074,000 | 2,520 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9099% | 161 |
| Cost of funding earning assets | 1.4306% | 3,070 |
| Net interest margin | 5.4794% | 175 |
| Noninterest income to average assets | 0.9184% | 1,781 |
| Noninterest expense to average assets | 4.1072% | 1,013 |
| Loan and lease loss provision to assets | 0.8395% | 1,957 |
| Net operating income to assets | 0.5451% | 3,907 |
| Return on assets (ROA) | 0.5481% | 4,048 |
| Pretax return on assets | 0.7809% | 3,694 |
| Return on Equity (ROE) | 6.0620% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.0620% | 1,780 |
| Net charge-offs to loans | 0.6095% | 3,206 |
| Credit loss provision to net charge-offs | 176.1857% | 1,893 |
| Earnings coverage of net charge-offs (x) | 3.3915% | 3,385 |
| Efficiency ratio | 71.7634% | 3,841 |
| Assets per employee ($millions) | 3.5402% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 4,026 |
| Loan loss allowance to noncurrent loans | 307.5282% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 2.2903% | 2,977 |
| Noncurrent loans to loans | 0.4871% | 6,065 |
| Net loans and leases to total assets | 74.6372% | 1,550 |
| Net loans and leases to deposits | 84.7265% | 2,334 |
| Net loans and leases to core deposits | 97.2593% | 1,870 |
| Total domestic deposits to total assets | 88.0919% | 2,196 |
| Equity capital to assets | 8.9200% | 5,258 |
| Core capital (leverage) ratio | 9.1503% | 4,258 |
| Tier 1 risk-based capital ratio | 12.1232% | 5,360 |
| Total risk-based capital ratio | 13.3764% | 5,340 |
| Memoranda: | ||
| Average total assets | $207,975,400 | 3,000 |
| Average earning assets | $182,375,600 | 3,098 |
| Average equity | $18,805,800 | 3,302 |
| Average total loans | $162,580,200 | 2,581 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9868% | 148 |
| Cost of funding earning assets | 1.5230% | 2,820 |
| Net interest margin | 5.4638% | 186 |
| Noninterest income to average assets | 0.8868% | 1,847 |
| Noninterest expense to average assets | 4.0618% | 970 |
| Loan and lease loss provision to assets | 0.8687% | 1,748 |
| Net operating income to assets | 0.5125% | 4,257 |
| Return on assets (ROA) | 0.5165% | 4,423 |
| Pretax return on assets | 0.7483% | 4,089 |
| Return on Equity (ROE) | 5.6923% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.6923% | 2,549 |
| Net charge-offs to loans | 0.4978% | 3,284 |
| Credit loss provision to net charge-offs | 221.4521% | 1,558 |
| Earnings coverage of net charge-offs (x) | 4.1073% | 3,187 |
| Efficiency ratio | 71.5997% | 3,778 |
| Assets per employee ($millions) | 3.4991% | 4,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 4,035 |
| Loan loss allowance to noncurrent loans | 392.2581% | 760 |
| Noncurrent assets plus other real estate owned to assets | 2.5392% | 2,825 |
| Noncurrent loans to loans | 0.3784% | 6,437 |
| Net loans and leases to total assets | 78.1871% | 1,010 |
| Net loans and leases to deposits | 88.3343% | 1,964 |
| Net loans and leases to core deposits | 102.7859% | 1,582 |
| Total domestic deposits to total assets | 88.5128% | 1,666 |
| Equity capital to assets | 9.3128% | 5,117 |
| Core capital (leverage) ratio | 9.2191% | 4,340 |
| Tier 1 risk-based capital ratio | 11.9610% | 5,500 |
| Total risk-based capital ratio | 13.2146% | 5,464 |
| Memoranda: | ||
| Average total assets | $205,980,750 | 3,065 |
| Average earning assets | $180,431,500 | 3,155 |
| Average equity | $18,691,500 | 3,360 |
| Average total loans | $162,317,000 | 2,622 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9603% | 163 |
| Cost of funding earning assets | 1.5882% | 2,723 |
| Net interest margin | 5.3722% | 213 |
| Noninterest income to average assets | 0.7890% | 2,174 |
| Noninterest expense to average assets | 4.0491% | 985 |
| Loan and lease loss provision to assets | 0.7793% | 1,848 |
| Net operating income to assets | 0.4684% | 4,471 |
| Return on assets (ROA) | 0.4684% | 4,633 |
| Pretax return on assets | 0.6773% | 4,318 |
| Return on Equity (ROE) | 5.2071% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.2071% | 2,768 |
| Net charge-offs to loans | 0.3659% | 3,533 |
| Credit loss provision to net charge-offs | 270.9459% | 1,390 |
| Earnings coverage of net charge-offs (x) | 5.0642% | 2,758 |
| Efficiency ratio | 73.5439% | 3,553 |
| Assets per employee ($millions) | 3.7150% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 4,692 |
| Loan loss allowance to noncurrent loans | 661.2613% | 502 |
| Noncurrent assets plus other real estate owned to assets | 2.6017% | 2,785 |
| Noncurrent loans to loans | 0.2037% | 6,843 |
| Net loans and leases to total assets | 78.9245% | 972 |
| Net loans and leases to deposits | 89.2841% | 1,967 |
| Net loans and leases to core deposits | 104.5072% | 1,587 |
| Total domestic deposits to total assets | 88.3970% | 1,783 |
| Equity capital to assets | 9.1951% | 5,152 |
| Core capital (leverage) ratio | 9.0377% | 4,550 |
| Tier 1 risk-based capital ratio | 11.7273% | 5,561 |
| Total risk-based capital ratio | 12.9786% | 5,523 |
| Memoranda: | ||
| Average total assets | $205,825,330 | 3,096 |
| Average earning assets | $180,709,330 | 3,188 |
| Average equity | $18,513,330 | 3,373 |
| Average total loans | $161,807,000 | 2,667 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8660% | 205 |
| Cost of funding earning assets | 1.6598% | 2,600 |
| Net interest margin | 5.2063% | 283 |
| Noninterest income to average assets | 0.8210% | 1,926 |
| Noninterest expense to average assets | 3.7565% | 1,402 |
| Loan and lease loss provision to assets | 0.7881% | 1,605 |
| Net operating income to assets | 0.5441% | 4,158 |
| Return on assets (ROA) | 0.5441% | 4,297 |
| Pretax return on assets | 0.8501% | 3,669 |
| Return on Equity (ROE) | 6.1167% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.1167% | 2,569 |
| Net charge-offs to loans | 0.4274% | 2,766 |
| Credit loss provision to net charge-offs | 236.6279% | 1,621 |
| Earnings coverage of net charge-offs (x) | 4.9186% | 2,514 |
| Efficiency ratio | 69.6339% | 4,389 |
| Assets per employee ($millions) | 3.4989% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 5,481 |
| Loan loss allowance to noncurrent loans | 784.9593% | 410 |
| Noncurrent assets plus other real estate owned to assets | 2.4109% | 3,019 |
| Noncurrent loans to loans | 0.1533% | 7,032 |
| Net loans and leases to total assets | 76.8024% | 1,368 |
| Net loans and leases to deposits | 85.9729% | 2,590 |
| Net loans and leases to core deposits | 100.6743% | 2,064 |
| Total domestic deposits to total assets | 89.3332% | 1,343 |
| Equity capital to assets | 8.9810% | 5,307 |
| Core capital (leverage) ratio | 9.1168% | 4,346 |
| Tier 1 risk-based capital ratio | 11.6621% | 5,520 |
| Total risk-based capital ratio | 12.8756% | 5,514 |
| Memoranda: | ||
| Average total assets | $206,574,500 | 3,136 |
| Average earning assets | $181,473,000 | 3,239 |
| Average equity | $18,376,000 | 3,423 |
| Average total loans | $160,977,500 | 2,749 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3170% | 170 |
| Cost of funding earning assets | 2.4229% | 1,235 |
| Net interest margin | 4.8941% | 567 |
| Noninterest income to average assets | 0.7993% | 2,407 |
| Noninterest expense to average assets | 3.7515% | 1,792 |
| Loan and lease loss provision to assets | 0.6549% | 3,194 |
| Net operating income to assets | 0.4540% | 3,909 |
| Return on assets (ROA) | 0.4718% | 3,961 |
| Pretax return on assets | 0.7182% | 3,513 |
| Return on Equity (ROE) | 5.5162% | 3,415 |
| Retained earnings to average equity (ytd only) | 5.5162% | 1,570 |
| Net charge-offs to loans | 0.7921% | 2,844 |
| Credit loss provision to net charge-offs | 103.8835% | 5,317 |
| Earnings coverage of net charge-offs (x) | 2.1351% | 4,126 |
| Efficiency ratio | 73.5942% | 3,976 |
| Assets per employee ($millions) | 3.6913% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 6,123 |
| Loan loss allowance to noncurrent loans | 1,425.2101% | 271 |
| Noncurrent assets plus other real estate owned to assets | 1.6564% | 3,886 |
| Noncurrent loans to loans | 0.0737% | 7,234 |
| Net loans and leases to total assets | 77.2957% | 1,523 |
| Net loans and leases to deposits | 86.3807% | 2,846 |
| Net loans and leases to core deposits | 107.8108% | 3,121 |
| Total domestic deposits to total assets | 89.4826% | 1,215 |
| Equity capital to assets | 8.8102% | 5,420 |
| Core capital (leverage) ratio | 9.0189% | 4,385 |
| Tier 1 risk-based capital ratio | 11.5919% | 5,302 |
| Total risk-based capital ratio | 12.6687% | 5,449 |
| Memoranda: | ||
| Average total assets | $196,056,000 | 3,226 |
| Average earning assets | $172,187,800 | 3,319 |
| Average equity | $16,768,800 | 3,719 |
| Average total loans | $156,045,200 | 2,829 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3555% | 174 |
| Cost of funding earning assets | 2.6311% | 953 |
| Net interest margin | 4.7244% | 798 |
| Noninterest income to average assets | 0.8046% | 2,406 |
| Noninterest expense to average assets | 3.6843% | 1,860 |
| Loan and lease loss provision to assets | 0.5743% | 3,086 |
| Net operating income to assets | 0.4213% | 4,314 |
| Return on assets (ROA) | 0.4447% | 4,320 |
| Pretax return on assets | 0.7308% | 3,758 |
| Return on Equity (ROE) | 5.2412% | 3,862 |
| Retained earnings to average equity (ytd only) | 5.2412% | 2,350 |
| Net charge-offs to loans | 0.5465% | 3,052 |
| Credit loss provision to net charge-offs | 131.3880% | 3,809 |
| Earnings coverage of net charge-offs (x) | 2.9022% | 3,774 |
| Efficiency ratio | 74.3875% | 3,805 |
| Assets per employee ($millions) | 3.6467% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 5,260 |
| Loan loss allowance to noncurrent loans | 1,442.9688% | 259 |
| Noncurrent assets plus other real estate owned to assets | 1.8816% | 3,537 |
| Noncurrent loans to loans | 0.0815% | 7,284 |
| Net loans and leases to total assets | 77.3985% | 1,698 |
| Net loans and leases to deposits | 86.7117% | 3,184 |
| Net loans and leases to core deposits | 110.8573% | 3,140 |
| Total domestic deposits to total assets | 89.2597% | 1,079 |
| Equity capital to assets | 8.8572% | 5,697 |
| Core capital (leverage) ratio | 8.7904% | 4,993 |
| Tier 1 risk-based capital ratio | 11.4003% | 5,536 |
| Total risk-based capital ratio | 12.5927% | 5,537 |
| Memoranda: | ||
| Average total assets | $193,391,500 | 3,277 |
| Average earning assets | $169,810,750 | 3,373 |
| Average equity | $16,408,000 | 3,832 |
| Average total loans | $154,687,250 | 2,875 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4792% | 161 |
| Cost of funding earning assets | 2.7851% | 824 |
| Net interest margin | 4.6941% | 807 |
| Noninterest income to average assets | 0.6398% | 3,421 |
| Noninterest expense to average assets | 3.5372% | 2,229 |
| Loan and lease loss provision to assets | 0.5372% | 2,882 |
| Net operating income to assets | 0.3907% | 4,551 |
| Return on assets (ROA) | 0.4115% | 4,572 |
| Pretax return on assets | 0.6995% | 3,991 |
| Return on Equity (ROE) | 4.9261% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.9261% | 2,554 |
| Net charge-offs to loans | 0.5965% | 2,548 |
| Credit loss provision to net charge-offs | 111.7647% | 4,143 |
| Earnings coverage of net charge-offs (x) | 2.5054% | 3,812 |
| Efficiency ratio | 74.6025% | 3,939 |
| Assets per employee ($millions) | 3.5767% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 5,685 |
| Loan loss allowance to noncurrent loans | 1,719.1919% | 226 |
| Noncurrent assets plus other real estate owned to assets | 1.5377% | 3,922 |
| Noncurrent loans to loans | 0.0632% | 7,367 |
| Net loans and leases to total assets | 78.7097% | 1,590 |
| Net loans and leases to deposits | 88.0857% | 3,155 |
| Net loans and leases to core deposits | 113.1130% | 3,008 |
| Total domestic deposits to total assets | 89.3559% | 1,102 |
| Equity capital to assets | 8.7343% | 5,707 |
| Core capital (leverage) ratio | 8.9233% | 4,751 |
| Tier 1 risk-based capital ratio | 11.1893% | 5,684 |
| Total risk-based capital ratio | 12.2846% | 5,764 |
| Memoranda: | ||
| Average total assets | $190,998,330 | 3,332 |
| Average earning assets | $166,888,670 | 3,444 |
| Average equity | $15,955,670 | 3,931 |
| Average total loans | $153,887,670 | 2,921 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6131% | 149 |
| Cost of funding earning assets | 2.9550% | 672 |
| Net interest margin | 4.6580% | 850 |
| Noninterest income to average assets | 0.8228% | 2,214 |
| Noninterest expense to average assets | 3.3125% | 2,625 |
| Loan and lease loss provision to assets | 0.3317% | 3,336 |
| Net operating income to assets | 0.7803% | 3,211 |
| Return on assets (ROA) | 0.7803% | 3,377 |
| Pretax return on assets | 1.2204% | 2,552 |
| Return on Equity (ROE) | 9.5682% | 2,508 |
| Retained earnings to average equity (ytd only) | 9.5682% | 1,318 |
| Net charge-offs to loans | 0.3697% | 2,614 |
| Credit loss provision to net charge-offs | 110.6383% | 3,485 |
| Earnings coverage of net charge-offs (x) | 5.1773% | 2,732 |
| Efficiency ratio | 68.0944% | 4,951 |
| Assets per employee ($millions) | 3.4086% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 5,541 |
| Loan loss allowance to noncurrent loans | 522.9560% | 667 |
| Noncurrent assets plus other real estate owned to assets | 1.3076% | 4,052 |
| Noncurrent loans to loans | 0.2085% | 6,934 |
| Net loans and leases to total assets | 79.0345% | 1,575 |
| Net loans and leases to deposits | 88.4333% | 3,211 |
| Net loans and leases to core deposits | 115.2006% | 2,883 |
| Total domestic deposits to total assets | 89.3719% | 1,067 |
| Equity capital to assets | 8.5368% | 6,014 |
| Core capital (leverage) ratio | 8.8211% | 4,946 |
| Tier 1 risk-based capital ratio | 10.9984% | 5,913 |
| Total risk-based capital ratio | 12.1051% | 5,940 |
| Memoranda: | ||
| Average total assets | $188,138,000 | 3,380 |
| Average earning assets | $163,246,000 | 3,524 |
| Average equity | $15,342,500 | 4,074 |
| Average total loans | $152,562,000 | 2,963 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1501% | 157 |
| Cost of funding earning assets | 3.3762% | 744 |
| Net interest margin | 4.7739% | 826 |
| Noninterest income to average assets | 1.0341% | 1,473 |
| Noninterest expense to average assets | 3.4145% | 2,632 |
| Loan and lease loss provision to assets | 0.4653% | 2,972 |
| Net operating income to assets | 0.9614% | 2,740 |
| Return on assets (ROA) | 0.9614% | 2,613 |
| Pretax return on assets | 1.4749% | 1,753 |
| Return on Equity (ROE) | 12.7029% | 1,407 |
| Retained earnings to average equity (ytd only) | 12.7029% | 184 |
| Net charge-offs to loans | 0.4259% | 2,688 |
| Credit loss provision to net charge-offs | 131.3629% | 4,055 |
| Earnings coverage of net charge-offs (x) | 5.4778% | 3,632 |
| Efficiency ratio | 63.7667% | 5,611 |
| Assets per employee ($millions) | 3.3708% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 5,415 |
| Loan loss allowance to noncurrent loans | 272.8477% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2352% | 3,750 |
| Noncurrent loans to loans | 0.3958% | 6,158 |
| Net loans and leases to total assets | 81.4214% | 1,334 |
| Net loans and leases to deposits | 89.7802% | 3,491 |
| Net loans and leases to core deposits | 116.2233% | 3,099 |
| Total domestic deposits to total assets | 90.6897% | 429 |
| Equity capital to assets | 7.7618% | 7,145 |
| Core capital (leverage) ratio | 7.8822% | 6,678 |
| Tier 1 risk-based capital ratio | 9.7641% | 6,996 |
| Total risk-based capital ratio | 10.8710% | 7,067 |
| Memoranda: | ||
| Average total assets | $171,945,200 | 3,520 |
| Average earning assets | $155,618,400 | 3,554 |
| Average equity | $13,012,800 | 4,571 |
| Average total loans | $142,977,200 | 3,039 |