Home > 1st Constitution Bank > Performance and Condition Ratios
1st Constitution Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7673% | 1,949 |
| Cost of funding earning assets | 0.3094% | 2,304 |
| Net interest margin | 3.4579% | 1,860 |
| Noninterest income to average assets | 0.7639% | 1,553 |
| Noninterest expense to average assets | 2.3371% | 2,693 |
| Loan and lease loss provision to assets | 0.1140% | 1,103 |
| Net operating income to assets | 1.1079% | 2,265 |
| Return on assets (ROA) | 1.1159% | 2,289 |
| Pretax return on assets | 1.5337% | 1,613 |
| Return on Equity (ROE) | 9.6484% | 2,662 |
| Retained earnings to average equity (ytd only) | 7.6223% | 1,689 |
| Net charge-offs to loans | 0.0835% | 970 |
| Credit loss provision to net charge-offs | 198.1132% | 1,310 |
| Earnings coverage of net charge-offs (x) | 28.4679% | 1,645 |
| Efficiency ratio | 57.9564% | 3,455 |
| Assets per employee ($millions) | 10.6323% | 562 |
| Cash dividends to net income (ytd only)* | 20.9989% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 1,645 |
| Loan loss allowance to noncurrent loans | 142.4631% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 1,068 |
| Noncurrent loans to loans | 1.0364% | 949 |
| Net loans and leases to total assets | 58.4877% | 2,323 |
| Net loans and leases to deposits | 67.1051% | 2,393 |
| Net loans and leases to core deposits | 68.1892% | 2,632 |
| Total domestic deposits to total assets | 87.1583% | 2,449 |
| Equity capital to assets | 11.5582% | 1,479 |
| Core capital (leverage) ratio | 9.7507% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4498% | 2,066 |
| Memoranda: | ||
| Average total assets | $1,842,775,200 | 575 |
| Average earning assets | $1,711,043,800 | 565 |
| Average equity | $213,124,200 | 509 |
| Average total loans | $1,270,128,600 | 535 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 1,930 |
| Cost of funding earning assets | 0.3264% | 2,335 |
| Net interest margin | 3.5172% | 1,820 |
| Noninterest income to average assets | 0.8372% | 1,423 |
| Noninterest expense to average assets | 2.3519% | 2,593 |
| Loan and lease loss provision to assets | 0.1897% | 557 |
| Net operating income to assets | 1.1455% | 2,387 |
| Return on assets (ROA) | 1.1458% | 2,445 |
| Pretax return on assets | 1.5624% | 1,817 |
| Return on Equity (ROE) | 9.9058% | 2,771 |
| Retained earnings to average equity (ytd only) | 7.8814% | 2,097 |
| Net charge-offs to loans | 0.1104% | 693 |
| Credit loss provision to net charge-offs | 240.5180% | 1,121 |
| Earnings coverage of net charge-offs (x) | 22.2118% | 1,686 |
| Efficiency ratio | 56.4889% | 3,469 |
| Assets per employee ($millions) | 9.8453% | 668 |
| Cash dividends to net income (ytd only)* | 20.4367% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,924 |
| Loan loss allowance to noncurrent loans | 140.0131% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 1,176 |
| Noncurrent loans to loans | 1.0169% | 1,127 |
| Net loans and leases to total assets | 62.2028% | 1,982 |
| Net loans and leases to deposits | 72.4878% | 2,004 |
| Net loans and leases to core deposits | 73.7271% | 2,265 |
| Total domestic deposits to total assets | 85.8114% | 2,819 |
| Equity capital to assets | 11.3954% | 1,740 |
| Core capital (leverage) ratio | 9.9418% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3077% | 2,260 |
| Memoranda: | ||
| Average total assets | $1,827,674,500 | 585 |
| Average earning assets | $1,697,312,500 | 575 |
| Average equity | $211,412,000 | 516 |
| Average total loans | $1,305,209,250 | 528 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 1,750 |
| Cost of funding earning assets | 0.3519% | 2,305 |
| Net interest margin | 3.5769% | 1,645 |
| Noninterest income to average assets | 0.8507% | 1,388 |
| Noninterest expense to average assets | 2.3864% | 2,509 |
| Loan and lease loss provision to assets | 0.2222% | 473 |
| Net operating income to assets | 1.1343% | 2,419 |
| Return on assets (ROA) | 1.1346% | 2,481 |
| Pretax return on assets | 1.5627% | 1,843 |
| Return on Equity (ROE) | 9.7577% | 2,852 |
| Retained earnings to average equity (ytd only) | 7.7446% | 2,173 |
| Net charge-offs to loans | 0.1070% | 708 |
| Credit loss provision to net charge-offs | 279.3296% | 922 |
| Earnings coverage of net charge-offs (x) | 22.4330% | 1,485 |
| Efficiency ratio | 56.3982% | 3,493 |
| Assets per employee ($millions) | 8.8113% | 918 |
| Cash dividends to net income (ytd only)* | 20.6306% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 2,135 |
| Loan loss allowance to noncurrent loans | 135.6279% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 1,173 |
| Noncurrent loans to loans | 1.0052% | 1,222 |
| Net loans and leases to total assets | 68.4599% | 1,390 |
| Net loans and leases to deposits | 79.1856% | 1,501 |
| Net loans and leases to core deposits | 80.7142% | 1,825 |
| Total domestic deposits to total assets | 86.4549% | 2,572 |
| Equity capital to assets | 11.9343% | 1,400 |
| Core capital (leverage) ratio | 9.9593% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0057% | 2,367 |
| Memoranda: | ||
| Average total assets | $1,800,238,333 | 587 |
| Average earning assets | $1,671,004,667 | 577 |
| Average equity | $209,332,667 | 518 |
| Average total loans | $1,338,538,000 | 523 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0356% | 1,534 |
| Cost of funding earning assets | 0.3802% | 2,260 |
| Net interest margin | 3.6554% | 1,435 |
| Noninterest income to average assets | 0.8862% | 1,366 |
| Noninterest expense to average assets | 2.4423% | 2,351 |
| Loan and lease loss provision to assets | 0.3101% | 294 |
| Net operating income to assets | 1.1060% | 2,456 |
| Return on assets (ROA) | 1.1063% | 2,533 |
| Pretax return on assets | 1.5369% | 1,893 |
| Return on Equity (ROE) | 9.6398% | 2,807 |
| Retained earnings to average equity (ytd only) | 7.7080% | 2,347 |
| Net charge-offs to loans | -0.0009% | 3,040 |
| Credit loss provision to net charge-offs | -46,666.6667% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1454% | 3,530 |
| Assets per employee ($millions) | 8.5173% | 981 |
| Cash dividends to net income (ytd only)* | 20.0400% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,435 |
| Loan loss allowance to noncurrent loans | 108.2159% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 1,007 |
| Noncurrent loans to loans | 1.2017% | 1,096 |
| Net loans and leases to total assets | 71.6421% | 1,074 |
| Net loans and leases to deposits | 82.8422% | 1,264 |
| Net loans and leases to core deposits | 84.5861% | 1,625 |
| Total domestic deposits to total assets | 86.4802% | 2,534 |
| Equity capital to assets | 11.5801% | 1,495 |
| Core capital (leverage) ratio | 9.6291% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3668% | 2,540 |
| Memoranda: | ||
| Average total assets | $1,806,013,500 | 578 |
| Average earning assets | $1,681,143,500 | 571 |
| Average equity | $207,265,500 | 513 |
| Average total loans | $1,387,077,500 | 506 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 1,683 |
| Cost of funding earning assets | 0.6443% | 2,034 |
| Net interest margin | 3.7193% | 1,733 |
| Noninterest income to average assets | 0.8294% | 1,455 |
| Noninterest expense to average assets | 2.4140% | 3,101 |
| Loan and lease loss provision to assets | 0.3900% | 820 |
| Net operating income to assets | 1.0685% | 2,035 |
| Return on assets (ROA) | 1.0732% | 2,156 |
| Pretax return on assets | 1.4632% | 1,459 |
| Return on Equity (ROE) | 9.4062% | 2,239 |
| Retained earnings to average equity (ytd only) | 7.2998% | 1,283 |
| Net charge-offs to loans | 0.0242% | 2,556 |
| Credit loss provision to net charge-offs | 2,042.0732% | 435 |
| Earnings coverage of net charge-offs (x) | 96.7195% | 801 |
| Efficiency ratio | 55.6717% | 4,023 |
| Assets per employee ($millions) | 8.5205% | 885 |
| Cash dividends to net income (ytd only)* | 22.3941% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 3,605 |
| Loan loss allowance to noncurrent loans | 88.6577% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9818% | 980 |
| Noncurrent loans to loans | 1.2055% | 1,160 |
| Net loans and leases to total assets | 80.1531% | 413 |
| Net loans and leases to deposits | 92.6182% | 743 |
| Net loans and leases to core deposits | 95.3685% | 1,154 |
| Total domestic deposits to total assets | 86.5414% | 2,125 |
| Equity capital to assets | 11.3728% | 1,974 |
| Core capital (leverage) ratio | 9.4012% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1489% | 2,883 |
| Memoranda: | ||
| Average total assets | $1,717,246,400 | 552 |
| Average earning assets | $1,584,610,600 | 549 |
| Average equity | $195,923,200 | 511 |
| Average total loans | $1,353,090,000 | 497 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 1,982 |
| Cost of funding earning assets | 0.7126% | 1,946 |
| Net interest margin | 3.6316% | 2,157 |
| Noninterest income to average assets | 0.7841% | 1,559 |
| Noninterest expense to average assets | 2.3887% | 3,170 |
| Loan and lease loss provision to assets | 0.4201% | 805 |
| Net operating income to assets | 0.9612% | 2,484 |
| Return on assets (ROA) | 0.9672% | 2,594 |
| Pretax return on assets | 1.3250% | 1,955 |
| Return on Equity (ROE) | 8.4705% | 2,612 |
| Retained earnings to average equity (ytd only) | 6.3184% | 1,966 |
| Net charge-offs to loans | 0.0162% | 2,555 |
| Credit loss provision to net charge-offs | 3,316.7702% | 327 |
| Earnings coverage of net charge-offs (x) | 137.1863% | 646 |
| Efficiency ratio | 56.8375% | 3,816 |
| Assets per employee ($millions) | 8.8204% | 741 |
| Cash dividends to net income (ytd only)* | 25.4066% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,805 |
| Loan loss allowance to noncurrent loans | 76.8249% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.0348% | 1,055 |
| Noncurrent loans to loans | 1.2676% | 1,178 |
| Net loans and leases to total assets | 79.7099% | 639 |
| Net loans and leases to deposits | 97.2231% | 675 |
| Net loans and leases to core deposits | 100.1450% | 1,154 |
| Total domestic deposits to total assets | 81.9866% | 3,424 |
| Equity capital to assets | 10.8398% | 2,525 |
| Core capital (leverage) ratio | 9.3130% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5699% | 3,014 |
| Memoranda: | ||
| Average total assets | $1,694,970,000 | 548 |
| Average earning assets | $1,559,774,500 | 547 |
| Average equity | $193,546,000 | 513 |
| Average total loans | $1,325,490,500 | 494 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3807% | 2,254 |
| Cost of funding earning assets | 0.8033% | 1,807 |
| Net interest margin | 3.5774% | 2,556 |
| Noninterest income to average assets | 0.6550% | 1,919 |
| Noninterest expense to average assets | 2.3678% | 3,352 |
| Loan and lease loss provision to assets | 0.3671% | 1,144 |
| Net operating income to assets | 0.8874% | 2,741 |
| Return on assets (ROA) | 0.8891% | 2,854 |
| Pretax return on assets | 1.2091% | 2,335 |
| Return on Equity (ROE) | 7.6416% | 2,884 |
| Retained earnings to average equity (ytd only) | 5.4343% | 2,299 |
| Net charge-offs to loans | 0.0259% | 2,203 |
| Credit loss provision to net charge-offs | 1,830.3030% | 519 |
| Earnings coverage of net charge-offs (x) | 78.4848% | 820 |
| Efficiency ratio | 58.8850% | 3,572 |
| Assets per employee ($millions) | 7.9835% | 974 |
| Cash dividends to net income (ytd only)* | 28.8859% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 4,042 |
| Loan loss allowance to noncurrent loans | 78.5974% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9135% | 1,343 |
| Noncurrent loans to loans | 1.1290% | 1,394 |
| Net loans and leases to total assets | 77.8237% | 865 |
| Net loans and leases to deposits | 96.0690% | 790 |
| Net loans and leases to core deposits | 98.9743% | 1,332 |
| Total domestic deposits to total assets | 81.0081% | 3,606 |
| Equity capital to assets | 11.2172% | 2,169 |
| Core capital (leverage) ratio | 9.6402% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3399% | 3,116 |
| Memoranda: | ||
| Average total assets | $1,645,469,000 | 553 |
| Average earning assets | $1,511,817,000 | 550 |
| Average equity | $191,451,667 | 517 |
| Average total loans | $1,272,694,000 | 508 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 2,389 |
| Cost of funding earning assets | 0.9003% | 1,866 |
| Net interest margin | 3.5706% | 2,768 |
| Noninterest income to average assets | 0.5950% | 2,060 |
| Noninterest expense to average assets | 2.4333% | 3,466 |
| Loan and lease loss provision to assets | 0.2240% | 1,381 |
| Net operating income to assets | 0.8848% | 2,570 |
| Return on assets (ROA) | 0.8864% | 2,663 |
| Pretax return on assets | 1.2158% | 2,135 |
| Return on Equity (ROE) | 7.4718% | 2,748 |
| Retained earnings to average equity (ytd only) | 5.1866% | 2,202 |
| Net charge-offs to loans | 0.0538% | 1,471 |
| Credit loss provision to net charge-offs | 542.4242% | 840 |
| Earnings coverage of net charge-offs (x) | 34.8121% | 1,094 |
| Efficiency ratio | 61.5066% | 3,555 |
| Assets per employee ($millions) | 7.3867% | 938 |
| Cash dividends to net income (ytd only)* | 30.5846% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 4,377 |
| Loan loss allowance to noncurrent loans | 75.7766% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 1,579 |
| Noncurrent loans to loans | 1.0734% | 1,552 |
| Net loans and leases to total assets | 75.7345% | 1,348 |
| Net loans and leases to deposits | 93.9210% | 1,088 |
| Net loans and leases to core deposits | 97.3890% | 1,689 |
| Total domestic deposits to total assets | 80.6364% | 3,737 |
| Equity capital to assets | 11.8532% | 2,180 |
| Core capital (leverage) ratio | 10.1547% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8547% | 3,144 |
| Memoranda: | ||
| Average total assets | $1,598,007,000 | 549 |
| Average earning assets | $1,466,186,000 | 540 |
| Average equity | $189,565,500 | 520 |
| Average total loans | $1,225,758,500 | 503 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9180% | 1,702 |
| Cost of funding earning assets | 0.9826% | 1,801 |
| Net interest margin | 3.9354% | 2,047 |
| Noninterest income to average assets | 0.5989% | 2,224 |
| Noninterest expense to average assets | 2.6704% | 2,967 |
| Loan and lease loss provision to assets | 0.1023% | 2,018 |
| Net operating income to assets | 1.0761% | 2,542 |
| Return on assets (ROA) | 1.0779% | 2,631 |
| Pretax return on assets | 1.4714% | 1,896 |
| Return on Equity (ROE) | 8.9856% | 2,763 |
| Retained earnings to average equity (ytd only) | 6.8698% | 1,443 |
| Net charge-offs to loans | 0.0482% | 2,428 |
| Credit loss provision to net charge-offs | 280.6653% | 999 |
| Earnings coverage of net charge-offs (x) | 43.1227% | 1,242 |
| Efficiency ratio | 62.1354% | 3,353 |
| Assets per employee ($millions) | 7.2739% | 947 |
| Cash dividends to net income (ytd only)* | 23.5468% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7587% | 4,420 |
| Loan loss allowance to noncurrent loans | 206.1597% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 3,138 |
| Noncurrent loans to loans | 0.3680% | 3,129 |
| Net loans and leases to total assets | 76.4761% | 1,326 |
| Net loans and leases to deposits | 94.8925% | 1,063 |
| Net loans and leases to core deposits | 98.8441% | 1,664 |
| Total domestic deposits to total assets | 80.5923% | 3,856 |
| Equity capital to assets | 11.8721% | 2,222 |
| Core capital (leverage) ratio | 10.5392% | 2,914 |
| Tier 1 risk-based capital ratio | 11.0145% | 4,853 |
| Total risk-based capital ratio | 11.6920% | 4,966 |
| Memoranda: | ||
| Average total assets | $1,319,927,400 | 612 |
| Average earning assets | $1,221,840,600 | 601 |
| Average equity | $158,330,600 | 592 |
| Average total loans | $997,418,600 | 575 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 1,622 |
| Cost of funding earning assets | 0.9848% | 1,828 |
| Net interest margin | 3.9842% | 2,001 |
| Noninterest income to average assets | 0.6377% | 2,040 |
| Noninterest expense to average assets | 2.6447% | 3,025 |
| Loan and lease loss provision to assets | 0.1117% | 1,752 |
| Net operating income to assets | 1.1525% | 2,351 |
| Return on assets (ROA) | 1.1539% | 2,439 |
| Pretax return on assets | 1.5795% | 1,704 |
| Return on Equity (ROE) | 9.5882% | 2,625 |
| Retained earnings to average equity (ytd only) | 7.3423% | 1,697 |
| Net charge-offs to loans | 0.0673% | 1,863 |
| Credit loss provision to net charge-offs | 221.0526% | 1,216 |
| Earnings coverage of net charge-offs (x) | 33.4378% | 1,528 |
| Efficiency ratio | 60.2155% | 3,602 |
| Assets per employee ($millions) | 7.2151% | 949 |
| Cash dividends to net income (ytd only)* | 23.4237% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 4,163 |
| Loan loss allowance to noncurrent loans | 170.4709% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 2,520 |
| Noncurrent loans to loans | 0.5104% | 2,762 |
| Net loans and leases to total assets | 76.2136% | 1,443 |
| Net loans and leases to deposits | 99.9164% | 644 |
| Net loans and leases to core deposits | 103.5172% | 1,371 |
| Total domestic deposits to total assets | 76.2773% | 4,612 |
| Equity capital to assets | 11.6429% | 2,567 |
| Core capital (leverage) ratio | 11.4280% | 2,285 |
| Tier 1 risk-based capital ratio | 12.0311% | 4,404 |
| Total risk-based capital ratio | 12.7872% | 4,553 |
| Memoranda: | ||
| Average total assets | $1,253,483,250 | 633 |
| Average earning assets | $1,162,959,750 | 622 |
| Average equity | $150,849,000 | 619 |
| Average total loans | $941,284,500 | 607 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 1,451 |
| Cost of funding earning assets | 0.9542% | 1,890 |
| Net interest margin | 4.0595% | 1,730 |
| Noninterest income to average assets | 0.6342% | 2,005 |
| Noninterest expense to average assets | 2.6970% | 2,917 |
| Loan and lease loss provision to assets | 0.1144% | 1,642 |
| Net operating income to assets | 1.1566% | 2,303 |
| Return on assets (ROA) | 1.1566% | 2,372 |
| Pretax return on assets | 1.5892% | 1,578 |
| Return on Equity (ROE) | 9.4975% | 2,633 |
| Retained earnings to average equity (ytd only) | 7.2164% | 1,720 |
| Net charge-offs to loans | 0.1012% | 1,371 |
| Credit loss provision to net charge-offs | 151.8438% | 1,474 |
| Earnings coverage of net charge-offs (x) | 22.6161% | 1,683 |
| Efficiency ratio | 60.4842% | 3,655 |
| Assets per employee ($millions) | 6.9718% | 1,011 |
| Cash dividends to net income (ytd only)* | 24.0181% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 4,142 |
| Loan loss allowance to noncurrent loans | 216.8381% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 2,839 |
| Noncurrent loans to loans | 0.4101% | 3,063 |
| Net loans and leases to total assets | 73.8682% | 1,911 |
| Net loans and leases to deposits | 94.1986% | 1,239 |
| Net loans and leases to core deposits | 98.8214% | 1,821 |
| Total domestic deposits to total assets | 78.4175% | 4,326 |
| Equity capital to assets | 11.7280% | 2,407 |
| Core capital (leverage) ratio | 11.5023% | 2,164 |
| Tier 1 risk-based capital ratio | 12.1153% | 4,351 |
| Total risk-based capital ratio | 12.8653% | 4,520 |
| Memoranda: | ||
| Average total assets | $1,223,975,000 | 646 |
| Average earning assets | $1,135,595,330 | 640 |
| Average equity | $149,049,330 | 622 |
| Average total loans | $911,123,000 | 631 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 1,188 |
| Cost of funding earning assets | 0.9060% | 1,972 |
| Net interest margin | 4.1568% | 1,414 |
| Noninterest income to average assets | 0.6047% | 2,021 |
| Noninterest expense to average assets | 2.7086% | 2,882 |
| Loan and lease loss provision to assets | 0.1013% | 1,733 |
| Net operating income to assets | 1.2006% | 2,053 |
| Return on assets (ROA) | 1.2006% | 2,103 |
| Pretax return on assets | 1.6543% | 1,328 |
| Return on Equity (ROE) | 9.6626% | 2,516 |
| Retained earnings to average equity (ytd only) | 7.3598% | 1,901 |
| Net charge-offs to loans | -0.0009% | 3,801 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8562% | 3,829 |
| Assets per employee ($millions) | 6.3686% | 1,306 |
| Cash dividends to net income (ytd only)* | 23.8323% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,747 |
| Loan loss allowance to noncurrent loans | 248.7568% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 2,600 |
| Noncurrent loans to loans | 0.3997% | 3,157 |
| Net loans and leases to total assets | 72.7840% | 2,027 |
| Net loans and leases to deposits | 87.0578% | 1,994 |
| Net loans and leases to core deposits | 91.3478% | 2,364 |
| Total domestic deposits to total assets | 83.6042% | 3,181 |
| Equity capital to assets | 12.5240% | 1,726 |
| Core capital (leverage) ratio | 11.8303% | 1,883 |
| Tier 1 risk-based capital ratio | 12.5933% | 4,106 |
| Total risk-based capital ratio | 13.3962% | 4,262 |
| Memoranda: | ||
| Average total assets | $1,184,097,000 | 673 |
| Average earning assets | $1,099,391,500 | 664 |
| Average equity | $147,123,500 | 624 |
| Average total loans | $880,843,000 | 661 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 1,583 |
| Cost of funding earning assets | 0.6827% | 2,196 |
| Net interest margin | 4.1002% | 1,677 |
| Noninterest income to average assets | 0.6642% | 1,992 |
| Noninterest expense to average assets | 2.9456% | 2,200 |
| Loan and lease loss provision to assets | 0.0784% | 2,560 |
| Net operating income to assets | 1.0969% | 2,612 |
| Return on assets (ROA) | 1.0977% | 2,603 |
| Pretax return on assets | 1.4866% | 1,825 |
| Return on Equity (ROE) | 9.2535% | 2,859 |
| Retained earnings to average equity (ytd only) | 7.1745% | 1,589 |
| Net charge-offs to loans | 0.0601% | 2,276 |
| Credit loss provision to net charge-offs | 176.1252% | 1,599 |
| Earnings coverage of net charge-offs (x) | 35.1213% | 1,446 |
| Efficiency ratio | 64.2189% | 3,156 |
| Assets per employee ($millions) | 6.2303% | 1,373 |
| Cash dividends to net income (ytd only)* | 22.4674% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 3,967 |
| Loan loss allowance to noncurrent loans | 127.6900% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 1,779 |
| Noncurrent loans to loans | 0.7425% | 2,141 |
| Net loans and leases to total assets | 74.5442% | 1,831 |
| Net loans and leases to deposits | 92.2915% | 1,507 |
| Net loans and leases to core deposits | 96.1372% | 2,055 |
| Total domestic deposits to total assets | 80.7703% | 3,939 |
| Equity capital to assets | 12.3220% | 1,684 |
| Core capital (leverage) ratio | 11.8040% | 1,870 |
| Tier 1 risk-based capital ratio | 12.4794% | 4,150 |
| Total risk-based capital ratio | 13.2595% | 4,318 |
| Memoranda: | ||
| Average total assets | $1,147,507,600 | 670 |
| Average earning assets | $1,076,196,600 | 656 |
| Average equity | $136,121,600 | 637 |
| Average total loans | $850,805,600 | 658 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 1,677 |
| Cost of funding earning assets | 0.6379% | 2,224 |
| Net interest margin | 4.0635% | 1,746 |
| Noninterest income to average assets | 0.7099% | 1,834 |
| Noninterest expense to average assets | 3.0163% | 1,972 |
| Loan and lease loss provision to assets | 0.0789% | 2,372 |
| Net operating income to assets | 1.0674% | 2,797 |
| Return on assets (ROA) | 1.0685% | 2,804 |
| Pretax return on assets | 1.4290% | 2,121 |
| Return on Equity (ROE) | 9.0986% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.0948% | 2,079 |
| Net charge-offs to loans | 0.0670% | 1,878 |
| Credit loss provision to net charge-offs | 159.5745% | 1,629 |
| Earnings coverage of net charge-offs (x) | 30.4513% | 1,591 |
| Efficiency ratio | 65.4935% | 2,960 |
| Assets per employee ($millions) | 6.3400% | 1,264 |
| Cash dividends to net income (ytd only)* | 22.0228% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 4,123 |
| Loan loss allowance to noncurrent loans | 122.2452% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 1,874 |
| Noncurrent loans to loans | 0.7632% | 2,179 |
| Net loans and leases to total assets | 73.6318% | 2,054 |
| Net loans and leases to deposits | 93.1598% | 1,485 |
| Net loans and leases to core deposits | 96.4388% | 2,073 |
| Total domestic deposits to total assets | 79.0382% | 4,307 |
| Equity capital to assets | 11.9006% | 1,970 |
| Core capital (leverage) ratio | 11.1942% | 2,422 |
| Tier 1 risk-based capital ratio | 12.0957% | 4,450 |
| Total risk-based capital ratio | 12.8557% | 4,617 |
| Memoranda: | ||
| Average total assets | $1,140,001,250 | 673 |
| Average earning assets | $1,069,688,000 | 656 |
| Average equity | $133,878,000 | 642 |
| Average total loans | $841,961,000 | 660 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5404% | 1,960 |
| Cost of funding earning assets | 0.5529% | 2,590 |
| Net interest margin | 3.9875% | 1,903 |
| Noninterest income to average assets | 0.6976% | 1,881 |
| Noninterest expense to average assets | 3.1880% | 1,564 |
| Loan and lease loss provision to assets | 0.0802% | 2,306 |
| Net operating income to assets | 0.8855% | 3,524 |
| Return on assets (ROA) | 0.8872% | 3,515 |
| Pretax return on assets | 1.1763% | 3,026 |
| Return on Equity (ROE) | 7.5902% | 3,684 |
| Retained earnings to average equity (ytd only) | 5.5844% | 2,777 |
| Net charge-offs to loans | -0.0085% | 4,265 |
| Credit loss provision to net charge-offs | -1,285.7143% | 4,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5458% | 2,233 |
| Assets per employee ($millions) | 6.4343% | 1,202 |
| Cash dividends to net income (ytd only)* | 26.4257% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 4,181 |
| Loan loss allowance to noncurrent loans | 95.3439% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 1,783 |
| Noncurrent loans to loans | 0.9803% | 1,785 |
| Net loans and leases to total assets | 73.2904% | 2,076 |
| Net loans and leases to deposits | 94.1001% | 1,346 |
| Net loans and leases to core deposits | 96.8747% | 1,975 |
| Total domestic deposits to total assets | 77.8856% | 4,604 |
| Equity capital to assets | 11.2671% | 2,389 |
| Core capital (leverage) ratio | 11.2522% | 2,303 |
| Tier 1 risk-based capital ratio | 11.6009% | 4,745 |
| Total risk-based capital ratio | 12.3737% | 4,890 |
| Memoranda: | ||
| Average total assets | $1,122,693,670 | 680 |
| Average earning assets | $1,054,355,330 | 666 |
| Average equity | $131,222,000 | 654 |
| Average total loans | $827,314,670 | 664 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 2,199 |
| Cost of funding earning assets | 0.4878% | 2,884 |
| Net interest margin | 3.9108% | 2,005 |
| Noninterest income to average assets | 0.7027% | 1,818 |
| Noninterest expense to average assets | 2.8591% | 2,497 |
| Loan and lease loss provision to assets | 0.0841% | 2,121 |
| Net operating income to assets | 1.1022% | 2,408 |
| Return on assets (ROA) | 1.1040% | 2,416 |
| Pretax return on assets | 1.4376% | 1,873 |
| Return on Equity (ROE) | 9.2540% | 2,788 |
| Retained earnings to average equity (ytd only) | 7.2602% | 2,161 |
| Net charge-offs to loans | -0.0300% | 4,741 |
| Credit loss provision to net charge-offs | -381.3559% | 3,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0417% | 3,479 |
| Assets per employee ($millions) | 5.9542% | 1,550 |
| Cash dividends to net income (ytd only)* | 21.5447% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 3,568 |
| Loan loss allowance to noncurrent loans | 107.2934% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 2,089 |
| Noncurrent loans to loans | 0.9932% | 1,837 |
| Net loans and leases to total assets | 72.6784% | 2,062 |
| Net loans and leases to deposits | 86.4101% | 2,109 |
| Net loans and leases to core deposits | 89.1122% | 2,528 |
| Total domestic deposits to total assets | 84.1086% | 3,282 |
| Equity capital to assets | 12.1105% | 1,709 |
| Core capital (leverage) ratio | 11.2116% | 2,239 |
| Tier 1 risk-based capital ratio | 12.2108% | 4,425 |
| Total risk-based capital ratio | 13.0740% | 4,550 |
| Memoranda: | ||
| Average total assets | $1,069,563,500 | 716 |
| Average earning assets | $1,005,310,000 | 700 |
| Average equity | $127,599,500 | 671 |
| Average total loans | $786,370,500 | 706 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 2,634 |
| Cost of funding earning assets | 0.5035% | 2,298 |
| Net interest margin | 3.7099% | 2,762 |
| Noninterest income to average assets | 0.7697% | 1,695 |
| Noninterest expense to average assets | 2.9424% | 2,306 |
| Loan and lease loss provision to assets | 0.0569% | 3,091 |
| Net operating income to assets | 0.6821% | 3,670 |
| Return on assets (ROA) | 0.6899% | 3,695 |
| Pretax return on assets | 1.2638% | 2,494 |
| Return on Equity (ROE) | 5.8586% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.3871% | 2,524 |
| Net charge-offs to loans | 0.0108% | 3,713 |
| Credit loss provision to net charge-offs | 740.7407% | 449 |
| Earnings coverage of net charge-offs (x) | 170.2346% | 443 |
| Efficiency ratio | 67.9540% | 2,906 |
| Assets per employee ($millions) | 6.0295% | 1,498 |
| Cash dividends to net income (ytd only)* | 25.1169% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,880 |
| Loan loss allowance to noncurrent loans | 112.6371% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 2,294 |
| Noncurrent loans to loans | 0.8958% | 1,986 |
| Net loans and leases to total assets | 72.8404% | 2,115 |
| Net loans and leases to deposits | 85.2355% | 2,351 |
| Net loans and leases to core deposits | 88.0721% | 2,714 |
| Total domestic deposits to total assets | 85.4577% | 2,674 |
| Equity capital to assets | 11.7528% | 1,999 |
| Core capital (leverage) ratio | 10.9599% | 2,379 |
| Tier 1 risk-based capital ratio | 11.7375% | 4,690 |
| Total risk-based capital ratio | 12.5551% | 4,852 |
| Memoranda: | ||
| Average total assets | $1,053,763,800 | 703 |
| Average earning assets | $988,820,600 | 686 |
| Average equity | $124,091,200 | 661 |
| Average total loans | $751,556,400 | 696 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 2,850 |
| Cost of funding earning assets | 0.5023% | 2,241 |
| Net interest margin | 3.6345% | 3,020 |
| Noninterest income to average assets | 0.7836% | 1,642 |
| Noninterest expense to average assets | 2.9217% | 2,332 |
| Loan and lease loss provision to assets | 0.0573% | 2,943 |
| Net operating income to assets | 0.8297% | 3,391 |
| Return on assets (ROA) | 0.8408% | 3,367 |
| Pretax return on assets | 1.2289% | 2,788 |
| Return on Equity (ROE) | 7.1363% | 3,576 |
| Retained earnings to average equity (ytd only) | 5.8474% | 2,339 |
| Net charge-offs to loans | 0.0256% | 2,933 |
| Credit loss provision to net charge-offs | 316.9014% | 943 |
| Earnings coverage of net charge-offs (x) | 70.2530% | 889 |
| Efficiency ratio | 68.4372% | 2,795 |
| Assets per employee ($millions) | 5.8437% | 1,615 |
| Cash dividends to net income (ytd only)* | 18.0621% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 4,036 |
| Loan loss allowance to noncurrent loans | 119.8280% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 2,536 |
| Noncurrent loans to loans | 0.8369% | 2,268 |
| Net loans and leases to total assets | 72.0220% | 2,252 |
| Net loans and leases to deposits | 88.5257% | 1,985 |
| Net loans and leases to core deposits | 91.5806% | 2,485 |
| Total domestic deposits to total assets | 81.3572% | 3,956 |
| Equity capital to assets | 11.8709% | 2,055 |
| Core capital (leverage) ratio | 11.0696% | 2,394 |
| Tier 1 risk-based capital ratio | 12.0144% | 4,606 |
| Total risk-based capital ratio | 12.8315% | 4,787 |
| Memoranda: | ||
| Average total assets | $1,047,386,250 | 710 |
| Average earning assets | $982,111,750 | 693 |
| Average equity | $123,402,750 | 668 |
| Average total loans | $740,905,500 | 708 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 2,424 |
| Cost of funding earning assets | 0.4887% | 2,262 |
| Net interest margin | 3.7240% | 2,568 |
| Noninterest income to average assets | 0.7813% | 1,638 |
| Noninterest expense to average assets | 3.1187% | 1,797 |
| Loan and lease loss provision to assets | 0.0577% | 2,819 |
| Net operating income to assets | 0.7612% | 3,584 |
| Return on assets (ROA) | 0.7752% | 3,568 |
| Pretax return on assets | 1.1169% | 3,104 |
| Return on Equity (ROE) | 6.5962% | 3,781 |
| Retained earnings to average equity (ytd only) | 4.8682% | 2,799 |
| Net charge-offs to loans | 0.0239% | 2,741 |
| Credit loss provision to net charge-offs | 344.8276% | 873 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 846 |
| Efficiency ratio | 71.7564% | 2,389 |
| Assets per employee ($millions) | 5.7950% | 1,610 |
| Cash dividends to net income (ytd only)* | 26.1970% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 4,106 |
| Loan loss allowance to noncurrent loans | 126.9687% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 2,724 |
| Noncurrent loans to loans | 0.7922% | 2,423 |
| Net loans and leases to total assets | 70.7513% | 2,408 |
| Net loans and leases to deposits | 87.6902% | 2,026 |
| Net loans and leases to core deposits | 90.8477% | 2,450 |
| Total domestic deposits to total assets | 80.6832% | 4,263 |
| Equity capital to assets | 11.5908% | 2,237 |
| Core capital (leverage) ratio | 11.1278% | 2,293 |
| Tier 1 risk-based capital ratio | 11.6468% | 4,866 |
| Total risk-based capital ratio | 12.4496% | 5,038 |
| Memoranda: | ||
| Average total assets | $1,040,050,330 | 722 |
| Average earning assets | $975,176,670 | 704 |
| Average equity | $122,221,330 | 677 |
| Average total loans | $728,540,330 | 723 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 2,512 |
| Cost of funding earning assets | 0.4872% | 2,187 |
| Net interest margin | 3.6537% | 2,681 |
| Noninterest income to average assets | 0.8976% | 1,254 |
| Noninterest expense to average assets | 3.1639% | 1,707 |
| Loan and lease loss provision to assets | 0.0586% | 2,634 |
| Net operating income to assets | 0.7639% | 3,410 |
| Return on assets (ROA) | 0.7922% | 3,315 |
| Pretax return on assets | 1.1406% | 2,820 |
| Return on Equity (ROE) | 6.6930% | 3,555 |
| Retained earnings to average equity (ytd only) | 4.9703% | 2,915 |
| Net charge-offs to loans | 0.0530% | 1,812 |
| Credit loss provision to net charge-offs | 159.5745% | 1,168 |
| Earnings coverage of net charge-offs (x) | 31.5426% | 1,186 |
| Efficiency ratio | 71.9837% | 2,579 |
| Assets per employee ($millions) | 5.2055% | 2,177 |
| Cash dividends to net income (ytd only)* | 25.7396% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,652 |
| Loan loss allowance to noncurrent loans | 101.7657% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 2,318 |
| Noncurrent loans to loans | 1.0914% | 1,876 |
| Net loans and leases to total assets | 66.5655% | 2,887 |
| Net loans and leases to deposits | 77.3277% | 3,048 |
| Net loans and leases to core deposits | 80.2941% | 3,265 |
| Total domestic deposits to total assets | 86.0824% | 2,631 |
| Equity capital to assets | 12.0904% | 1,773 |
| Core capital (leverage) ratio | 11.2001% | 2,188 |
| Tier 1 risk-based capital ratio | 12.5760% | 4,343 |
| Total risk-based capital ratio | 13.4363% | 4,492 |
| Memoranda: | ||
| Average total assets | $1,024,038,500 | 736 |
| Average earning assets | $959,798,500 | 717 |
| Average equity | $121,201,000 | 680 |
| Average total loans | $709,704,000 | 742 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 2,128 |
| Cost of funding earning assets | 0.4983% | 2,103 |
| Net interest margin | 3.8054% | 2,303 |
| Noninterest income to average assets | 0.6782% | 2,274 |
| Noninterest expense to average assets | 2.8533% | 2,836 |
| Loan and lease loss provision to assets | -0.0295% | 5,535 |
| Net operating income to assets | 0.9417% | 2,622 |
| Return on assets (ROA) | 0.9417% | 2,734 |
| Pretax return on assets | 1.4111% | 1,897 |
| Return on Equity (ROE) | 8.2059% | 2,827 |
| Retained earnings to average equity (ytd only) | 7.8327% | 910 |
| Net charge-offs to loans | -0.0324% | 5,275 |
| Credit loss provision to net charge-offs | 128.2051% | 2,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1646% | 3,569 |
| Assets per employee ($millions) | 5.2172% | 2,152 |
| Cash dividends to net income (ytd only)* | 4.5474% | 4,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 4,234 |
| Loan loss allowance to noncurrent loans | 144.1708% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 3,149 |
| Noncurrent loans to loans | 0.7028% | 2,782 |
| Net loans and leases to total assets | 70.5195% | 2,401 |
| Net loans and leases to deposits | 87.6812% | 1,961 |
| Net loans and leases to core deposits | 91.4595% | 2,351 |
| Total domestic deposits to total assets | 80.4272% | 4,469 |
| Equity capital to assets | 11.5877% | 2,093 |
| Core capital (leverage) ratio | 10.6847% | 2,674 |
| Tier 1 risk-based capital ratio | 12.1266% | 4,642 |
| Total risk-based capital ratio | 12.9633% | 4,819 |
| Memoranda: | ||
| Average total assets | $1,015,845,200 | 710 |
| Average earning assets | $949,465,200 | 692 |
| Average equity | $116,574,800 | 685 |
| Average total loans | $722,450,600 | 701 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 2,176 |
| Cost of funding earning assets | 0.4795% | 2,268 |
| Net interest margin | 3.8161% | 2,276 |
| Noninterest income to average assets | 0.6456% | 2,448 |
| Noninterest expense to average assets | 2.7775% | 3,087 |
| Loan and lease loss provision to assets | -0.0396% | 5,704 |
| Net operating income to assets | 0.9812% | 2,511 |
| Return on assets (ROA) | 0.9812% | 2,650 |
| Pretax return on assets | 1.4725% | 1,798 |
| Return on Equity (ROE) | 8.5722% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.2056% | 1,088 |
| Net charge-offs to loans | -0.0420% | 5,303 |
| Credit loss provision to net charge-offs | 132.7434% | 1,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0179% | 3,760 |
| Assets per employee ($millions) | 5.3298% | 2,016 |
| Cash dividends to net income (ytd only)* | 4.2771% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 4,491 |
| Loan loss allowance to noncurrent loans | 142.9171% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 3,348 |
| Noncurrent loans to loans | 0.6893% | 2,971 |
| Net loans and leases to total assets | 71.2934% | 2,298 |
| Net loans and leases to deposits | 90.9150% | 1,644 |
| Net loans and leases to core deposits | 94.0500% | 2,192 |
| Total domestic deposits to total assets | 78.4177% | 4,831 |
| Equity capital to assets | 11.3230% | 2,683 |
| Core capital (leverage) ratio | 10.3270% | 3,191 |
| Tier 1 risk-based capital ratio | 11.5929% | 5,034 |
| Total risk-based capital ratio | 12.4065% | 5,195 |
| Memoranda: | ||
| Average total assets | $1,010,253,250 | 713 |
| Average earning assets | $943,699,500 | 700 |
| Average equity | $115,642,250 | 694 |
| Average total loans | $718,154,000 | 699 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 2,476 |
| Cost of funding earning assets | 0.4820% | 2,252 |
| Net interest margin | 3.7298% | 2,580 |
| Noninterest income to average assets | 0.6294% | 2,465 |
| Noninterest expense to average assets | 2.7845% | 3,075 |
| Loan and lease loss provision to assets | -0.0603% | 5,837 |
| Net operating income to assets | 0.9385% | 2,687 |
| Return on assets (ROA) | 0.9385% | 2,824 |
| Pretax return on assets | 1.3866% | 2,076 |
| Return on Equity (ROE) | 8.1673% | 2,901 |
| Retained earnings to average equity (ytd only) | 7.8018% | 1,244 |
| Net charge-offs to loans | -0.0630% | 5,455 |
| Credit loss provision to net charge-offs | 135.1351% | 1,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7481% | 3,573 |
| Assets per employee ($millions) | 6.1071% | 1,328 |
| Cash dividends to net income (ytd only)* | 4.4754% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 4,624 |
| Loan loss allowance to noncurrent loans | 145.0000% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 3,501 |
| Noncurrent loans to loans | 0.6747% | 3,046 |
| Net loans and leases to total assets | 70.8611% | 2,342 |
| Net loans and leases to deposits | 95.6730% | 1,113 |
| Net loans and leases to core deposits | 99.1716% | 1,697 |
| Total domestic deposits to total assets | 74.0659% | 5,509 |
| Equity capital to assets | 10.9673% | 3,097 |
| Core capital (leverage) ratio | 10.7657% | 2,682 |
| Tier 1 risk-based capital ratio | 11.1946% | 5,320 |
| Total risk-based capital ratio | 11.9984% | 5,471 |
| Memoranda: | ||
| Average total assets | $995,234,670 | 729 |
| Average earning assets | $928,962,670 | 711 |
| Average equity | $114,358,670 | 704 |
| Average total loans | $704,254,670 | 711 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 2,002 |
| Cost of funding earning assets | 0.4865% | 2,211 |
| Net interest margin | 3.8523% | 2,091 |
| Noninterest income to average assets | 0.6652% | 2,192 |
| Noninterest expense to average assets | 2.9346% | 2,591 |
| Loan and lease loss provision to assets | -0.0835% | 5,973 |
| Net operating income to assets | 0.9544% | 2,493 |
| Return on assets (ROA) | 0.9544% | 2,610 |
| Pretax return on assets | 1.4060% | 1,888 |
| Return on Equity (ROE) | 8.1004% | 2,854 |
| Retained earnings to average equity (ytd only) | 7.7427% | 1,570 |
| Net charge-offs to loans | 0.0344% | 2,281 |
| Credit loss provision to net charge-offs | -344.8276% | 4,459 |
| Earnings coverage of net charge-offs (x) | 54.6379% | 828 |
| Efficiency ratio | 67.9051% | 3,476 |
| Assets per employee ($millions) | 5.4854% | 1,841 |
| Cash dividends to net income (ytd only)* | 4.4163% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 4,011 |
| Loan loss allowance to noncurrent loans | 132.1868% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 2,914 |
| Noncurrent loans to loans | 0.8372% | 2,750 |
| Net loans and leases to total assets | 68.7631% | 2,533 |
| Net loans and leases to deposits | 81.1725% | 2,653 |
| Net loans and leases to core deposits | 84.1213% | 2,929 |
| Total domestic deposits to total assets | 84.7123% | 3,235 |
| Equity capital to assets | 12.0411% | 2,008 |
| Core capital (leverage) ratio | 10.8177% | 2,603 |
| Tier 1 risk-based capital ratio | 12.3733% | 4,672 |
| Total risk-based capital ratio | 13.2618% | 4,826 |
| Memoranda: | ||
| Average total assets | $958,484,000 | 755 |
| Average earning assets | $893,696,000 | 742 |
| Average equity | $112,932,000 | 711 |
| Average total loans | $673,982,000 | 739 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4437% | 1,761 |
| Cost of funding earning assets | 0.4645% | 2,489 |
| Net interest margin | 3.9792% | 1,787 |
| Noninterest income to average assets | 0.5344% | 3,114 |
| Noninterest expense to average assets | 2.7976% | 3,239 |
| Loan and lease loss provision to assets | 0.1107% | 2,146 |
| Net operating income to assets | 0.8956% | 2,899 |
| Return on assets (ROA) | 0.8956% | 2,978 |
| Pretax return on assets | 1.3168% | 2,217 |
| Return on Equity (ROE) | 8.2847% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.9457% | 933 |
| Net charge-offs to loans | 0.0654% | 2,924 |
| Credit loss provision to net charge-offs | 236.5591% | 1,208 |
| Earnings coverage of net charge-offs (x) | 30.4968% | 1,442 |
| Efficiency ratio | 65.1943% | 4,049 |
| Assets per employee ($millions) | 5.5000% | 1,804 |
| Cash dividends to net income (ytd only)* | 4.0913% | 4,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 4,059 |
| Loan loss allowance to noncurrent loans | 125.5814% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 2,844 |
| Noncurrent loans to loans | 0.8749% | 2,603 |
| Net loans and leases to total assets | 70.3061% | 2,321 |
| Net loans and leases to deposits | 86.4930% | 2,063 |
| Net loans and leases to core deposits | 89.8005% | 2,419 |
| Total domestic deposits to total assets | 81.2853% | 4,404 |
| Equity capital to assets | 11.5287% | 2,334 |
| Core capital (leverage) ratio | 10.5517% | 2,880 |
| Tier 1 risk-based capital ratio | 11.8977% | 5,017 |
| Total risk-based capital ratio | 12.8005% | 5,127 |
| Memoranda: | ||
| Average total assets | $993,405,600 | 694 |
| Average earning assets | $921,392,600 | 685 |
| Average equity | $107,390,800 | 717 |
| Average total loans | $710,506,000 | 650 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4723% | 1,679 |
| Cost of funding earning assets | 0.4609% | 2,572 |
| Net interest margin | 4.0114% | 1,662 |
| Noninterest income to average assets | 0.5629% | 2,966 |
| Noninterest expense to average assets | 2.7854% | 3,247 |
| Loan and lease loss provision to assets | 0.0800% | 2,569 |
| Net operating income to assets | 0.9615% | 2,663 |
| Return on assets (ROA) | 0.9615% | 2,749 |
| Pretax return on assets | 1.4155% | 1,948 |
| Return on Equity (ROE) | 9.0400% | 2,553 |
| Retained earnings to average equity (ytd only) | 8.7002% | 1,001 |
| Net charge-offs to loans | 0.0732% | 2,516 |
| Credit loss provision to net charge-offs | 152.6718% | 1,651 |
| Earnings coverage of net charge-offs (x) | 28.5342% | 1,543 |
| Efficiency ratio | 64.0654% | 4,235 |
| Assets per employee ($millions) | 5.3285% | 1,930 |
| Cash dividends to net income (ytd only)* | 3.7586% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 4,761 |
| Loan loss allowance to noncurrent loans | 151.3904% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 2,361 |
| Noncurrent loans to loans | 0.6588% | 3,351 |
| Net loans and leases to total assets | 72.2090% | 2,029 |
| Net loans and leases to deposits | 89.1747% | 1,751 |
| Net loans and leases to core deposits | 92.6298% | 2,203 |
| Total domestic deposits to total assets | 80.9748% | 4,479 |
| Equity capital to assets | 11.2210% | 2,779 |
| Core capital (leverage) ratio | 9.8797% | 3,799 |
| Tier 1 risk-based capital ratio | 11.3783% | 5,443 |
| Total risk-based capital ratio | 12.2090% | 5,583 |
| Memoranda: | ||
| Average total assets | $999,759,000 | 695 |
| Average earning assets | $926,630,750 | 686 |
| Average equity | $106,339,250 | 730 |
| Average total loans | $716,103,250 | 653 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 2,030 |
| Cost of funding earning assets | 0.4554% | 2,655 |
| Net interest margin | 3.8886% | 2,025 |
| Noninterest income to average assets | 0.6200% | 2,628 |
| Noninterest expense to average assets | 2.7490% | 3,415 |
| Loan and lease loss provision to assets | 0.0994% | 2,166 |
| Net operating income to assets | 0.9322% | 2,721 |
| Return on assets (ROA) | 0.9322% | 2,843 |
| Pretax return on assets | 1.3747% | 2,086 |
| Return on Equity (ROE) | 8.9237% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.5831% | 1,049 |
| Net charge-offs to loans | 0.0207% | 3,266 |
| Credit loss provision to net charge-offs | 675.6757% | 499 |
| Earnings coverage of net charge-offs (x) | 100.2162% | 596 |
| Efficiency ratio | 64.0827% | 4,350 |
| Assets per employee ($millions) | 5.7841% | 1,510 |
| Cash dividends to net income (ytd only)* | 3.8166% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 5,066 |
| Loan loss allowance to noncurrent loans | 135.4025% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.0426% | 2,421 |
| Noncurrent loans to loans | 0.7071% | 3,369 |
| Net loans and leases to total assets | 72.6301% | 1,877 |
| Net loans and leases to deposits | 95.2675% | 1,024 |
| Net loans and leases to core deposits | 98.8129% | 1,587 |
| Total domestic deposits to total assets | 76.2380% | 5,572 |
| Equity capital to assets | 10.2428% | 3,759 |
| Core capital (leverage) ratio | 9.7664% | 3,921 |
| Tier 1 risk-based capital ratio | 10.4480% | 5,943 |
| Total risk-based capital ratio | 11.2548% | 6,043 |
| Memoranda: | ||
| Average total assets | $1,006,195,330 | 692 |
| Average earning assets | $932,316,000 | 687 |
| Average equity | $105,113,670 | 739 |
| Average total loans | $716,436,000 | 655 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,282 |
| Cost of funding earning assets | 0.4639% | 2,632 |
| Net interest margin | 3.7835% | 2,285 |
| Noninterest income to average assets | 0.7644% | 1,845 |
| Noninterest expense to average assets | 2.6820% | 3,650 |
| Loan and lease loss provision to assets | 0.2029% | 905 |
| Net operating income to assets | 0.9401% | 2,560 |
| Return on assets (ROA) | 0.9401% | 2,694 |
| Pretax return on assets | 1.3804% | 1,959 |
| Return on Equity (ROE) | 8.9070% | 2,492 |
| Retained earnings to average equity (ytd only) | 8.5649% | 1,354 |
| Net charge-offs to loans | 0.0353% | 2,506 |
| Credit loss provision to net charge-offs | 819.6721% | 383 |
| Earnings coverage of net charge-offs (x) | 63.9672% | 698 |
| Efficiency ratio | 61.8531% | 4,820 |
| Assets per employee ($millions) | 5.6697% | 1,652 |
| Cash dividends to net income (ytd only)* | 3.8412% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 4,903 |
| Loan loss allowance to noncurrent loans | 129.6023% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.1381% | 2,360 |
| Noncurrent loans to loans | 0.7904% | 3,272 |
| Net loans and leases to total assets | 70.1108% | 2,126 |
| Net loans and leases to deposits | 87.7871% | 1,633 |
| Net loans and leases to core deposits | 91.0270% | 2,030 |
| Total domestic deposits to total assets | 79.8646% | 5,081 |
| Equity capital to assets | 10.3715% | 3,687 |
| Core capital (leverage) ratio | 9.6944% | 4,020 |
| Tier 1 risk-based capital ratio | 10.5723% | 5,994 |
| Total risk-based capital ratio | 11.4136% | 6,063 |
| Memoranda: | ||
| Average total assets | $985,828,000 | 705 |
| Average earning assets | $912,173,000 | 697 |
| Average equity | $104,053,000 | 742 |
| Average total loans | $690,785,500 | 673 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 2,352 |
| Cost of funding earning assets | 0.5039% | 2,636 |
| Net interest margin | 3.8598% | 2,396 |
| Noninterest income to average assets | 0.6135% | 2,781 |
| Noninterest expense to average assets | 2.9495% | 3,000 |
| Loan and lease loss provision to assets | 0.6241% | 217 |
| Net operating income to assets | 0.4976% | 4,819 |
| Return on assets (ROA) | 0.4975% | 4,913 |
| Pretax return on assets | 0.6266% | 4,849 |
| Return on Equity (ROE) | 4.7588% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.3912% | 3,056 |
| Net charge-offs to loans | 1.0263% | 287 |
| Credit loss provision to net charge-offs | 98.0559% | 2,468 |
| Earnings coverage of net charge-offs (x) | 1.9654% | 4,289 |
| Efficiency ratio | 69.0405% | 3,706 |
| Assets per employee ($millions) | 5.3451% | 1,906 |
| Cash dividends to net income (ytd only)* | 7.7242% | 4,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 4,831 |
| Loan loss allowance to noncurrent loans | 113.6364% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.2502% | 2,255 |
| Noncurrent loans to loans | 0.9196% | 3,015 |
| Net loans and leases to total assets | 68.5365% | 2,486 |
| Net loans and leases to deposits | 80.1813% | 2,691 |
| Net loans and leases to core deposits | 83.9376% | 2,906 |
| Total domestic deposits to total assets | 85.4770% | 3,090 |
| Equity capital to assets | 10.7494% | 3,180 |
| Core capital (leverage) ratio | 9.2962% | 4,544 |
| Tier 1 risk-based capital ratio | 11.1324% | 5,851 |
| Total risk-based capital ratio | 11.9974% | 5,945 |
| Memoranda: | ||
| Average total assets | $921,294,200 | 725 |
| Average earning assets | $856,190,400 | 715 |
| Average equity | $96,306,000 | 763 |
| Average total loans | $571,356,000 | 777 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 2,428 |
| Cost of funding earning assets | 0.5047% | 2,709 |
| Net interest margin | 3.8443% | 2,455 |
| Noninterest income to average assets | 0.6237% | 2,722 |
| Noninterest expense to average assets | 3.0191% | 2,738 |
| Loan and lease loss provision to assets | 0.7672% | 163 |
| Net operating income to assets | 0.3672% | 5,377 |
| Return on assets (ROA) | 0.3668% | 5,449 |
| Pretax return on assets | 0.4140% | 5,551 |
| Return on Equity (ROE) | 3.5350% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.1618% | 4,376 |
| Net charge-offs to loans | 1.2593% | 209 |
| Credit loss provision to net charge-offs | 101.3318% | 2,184 |
| Earnings coverage of net charge-offs (x) | 1.5607% | 4,127 |
| Efficiency ratio | 70.6717% | 3,394 |
| Assets per employee ($millions) | 5.3916% | 1,824 |
| Cash dividends to net income (ytd only)* | 10.5576% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 4,619 |
| Loan loss allowance to noncurrent loans | 78.0499% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 2,641 |
| Noncurrent loans to loans | 1.4459% | 2,253 |
| Net loans and leases to total assets | 65.2566% | 2,990 |
| Net loans and leases to deposits | 75.6102% | 3,228 |
| Net loans and leases to core deposits | 79.2200% | 3,409 |
| Total domestic deposits to total assets | 86.3066% | 2,699 |
| Equity capital to assets | 10.5040% | 3,552 |
| Core capital (leverage) ratio | 9.1130% | 4,915 |
| Tier 1 risk-based capital ratio | 11.1296% | 5,940 |
| Total risk-based capital ratio | 12.0393% | 6,045 |
| Memoranda: | ||
| Average total assets | $912,422,750 | 735 |
| Average earning assets | $848,989,250 | 723 |
| Average equity | $94,670,500 | 778 |
| Average total loans | $548,527,750 | 805 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 2,954 |
| Cost of funding earning assets | 0.5058% | 2,776 |
| Net interest margin | 3.6935% | 2,988 |
| Noninterest income to average assets | 0.6455% | 2,570 |
| Noninterest expense to average assets | 3.1280% | 2,400 |
| Loan and lease loss provision to assets | 1.0240% | 99 |
| Net operating income to assets | 0.0703% | 6,098 |
| Return on assets (ROA) | 0.0699% | 6,123 |
| Pretax return on assets | -0.0690% | 6,236 |
| Return on Equity (ROE) | 0.6766% | 6,111 |
| Retained earnings to average equity (ytd only) | 0.4848% | 5,548 |
| Net charge-offs to loans | 1.6190% | 159 |
| Credit loss provision to net charge-offs | 108.9789% | 1,838 |
| Earnings coverage of net charge-offs (x) | 1.0171% | 3,908 |
| Efficiency ratio | 75.3775% | 2,746 |
| Assets per employee ($millions) | 5.5082% | 1,685 |
| Cash dividends to net income (ytd only)* | 28.3439% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 4,663 |
| Loan loss allowance to noncurrent loans | 74.4480% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.2152% | 2,657 |
| Noncurrent loans to loans | 1.5440% | 2,245 |
| Net loans and leases to total assets | 64.6996% | 2,961 |
| Net loans and leases to deposits | 77.8018% | 2,826 |
| Net loans and leases to core deposits | 81.4991% | 3,030 |
| Total domestic deposits to total assets | 83.1595% | 4,243 |
| Equity capital to assets | 9.8756% | 4,268 |
| Core capital (leverage) ratio | 8.8964% | 5,163 |
| Tier 1 risk-based capital ratio | 10.7315% | 6,156 |
| Total risk-based capital ratio | 11.6749% | 6,225 |
| Memoranda: | ||
| Average total assets | $898,462,000 | 748 |
| Average earning assets | $836,340,330 | 733 |
| Average equity | $92,814,000 | 786 |
| Average total loans | $521,418,670 | 842 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 3,605 |
| Cost of funding earning assets | 0.5098% | 2,803 |
| Net interest margin | 3.5101% | 3,647 |
| Noninterest income to average assets | 0.7675% | 1,882 |
| Noninterest expense to average assets | 3.4379% | 1,613 |
| Loan and lease loss provision to assets | 0.2340% | 947 |
| Net operating income to assets | 0.3279% | 5,400 |
| Return on assets (ROA) | 0.3267% | 5,453 |
| Pretax return on assets | 0.3618% | 5,567 |
| Return on Equity (ROE) | 3.0839% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.6906% | 4,468 |
| Net charge-offs to loans | 0.4423% | 822 |
| Credit loss provision to net charge-offs | 98.4252% | 1,717 |
| Earnings coverage of net charge-offs (x) | 2.5118% | 2,861 |
| Efficiency ratio | 84.0060% | 1,670 |
| Assets per employee ($millions) | 5.6226% | 1,594 |
| Cash dividends to net income (ytd only)* | 12.7507% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,041 |
| Loan loss allowance to noncurrent loans | 76.6739% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.1854% | 2,887 |
| Noncurrent loans to loans | 1.7151% | 2,260 |
| Net loans and leases to total assets | 54.5583% | 4,343 |
| Net loans and leases to deposits | 62.8835% | 4,445 |
| Net loans and leases to core deposits | 65.8200% | 4,499 |
| Total domestic deposits to total assets | 86.7608% | 2,962 |
| Equity capital to assets | 10.0294% | 3,808 |
| Core capital (leverage) ratio | 9.7730% | 3,898 |
| Tier 1 risk-based capital ratio | 12.3423% | 5,413 |
| Total risk-based capital ratio | 13.3671% | 5,494 |
| Memoranda: | ||
| Average total assets | $854,708,000 | 794 |
| Average earning assets | $795,658,000 | 777 |
| Average equity | $90,536,000 | 810 |
| Average total loans | $459,459,500 | 964 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8860% | 4,511 |
| Cost of funding earning assets | 0.5231% | 3,368 |
| Net interest margin | 3.3628% | 4,425 |
| Noninterest income to average assets | 0.8458% | 1,880 |
| Noninterest expense to average assets | 2.7993% | 3,725 |
| Loan and lease loss provision to assets | 0.1349% | 2,623 |
| Net operating income to assets | 0.7530% | 3,531 |
| Return on assets (ROA) | 0.7530% | 3,629 |
| Pretax return on assets | 1.0544% | 3,137 |
| Return on Equity (ROE) | 7.3351% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.3351% | 1,299 |
| Net charge-offs to loans | 0.2702% | 2,349 |
| Credit loss provision to net charge-offs | 90.5803% | 2,736 |
| Earnings coverage of net charge-offs (x) | 7.9849% | 2,754 |
| Efficiency ratio | 69.3414% | 3,946 |
| Assets per employee ($millions) | 4.9161% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 1,964 |
| Loan loss allowance to noncurrent loans | 111.3413% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.1604% | 3,076 |
| Noncurrent loans to loans | 1.6452% | 2,441 |
| Net loans and leases to total assets | 50.8162% | 4,985 |
| Net loans and leases to deposits | 59.0693% | 5,029 |
| Net loans and leases to core deposits | 61.3848% | 5,117 |
| Total domestic deposits to total assets | 86.0280% | 3,247 |
| Equity capital to assets | 11.3264% | 2,316 |
| Core capital (leverage) ratio | 10.5908% | 2,792 |
| Tier 1 risk-based capital ratio | 17.5497% | 2,389 |
| Total risk-based capital ratio | 18.8031% | 2,369 |
| Memoranda: | ||
| Average total assets | $798,310,600 | 830 |
| Average earning assets | $746,072,200 | 812 |
| Average equity | $81,948,200 | 870 |
| Average total loans | $440,118,200 | 972 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 4,632 |
| Cost of funding earning assets | 0.5234% | 3,533 |
| Net interest margin | 3.3391% | 4,500 |
| Noninterest income to average assets | 0.7051% | 2,575 |
| Noninterest expense to average assets | 2.6461% | 4,217 |
| Loan and lease loss provision to assets | 0.1275% | 2,698 |
| Net operating income to assets | 0.7516% | 3,593 |
| Return on assets (ROA) | 0.7516% | 3,719 |
| Pretax return on assets | 1.0523% | 3,287 |
| Return on Equity (ROE) | 7.4988% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.4988% | 1,641 |
| Net charge-offs to loans | 0.3253% | 1,915 |
| Credit loss provision to net charge-offs | 70.1264% | 3,069 |
| Earnings coverage of net charge-offs (x) | 6.4873% | 2,962 |
| Efficiency ratio | 68.2998% | 4,039 |
| Assets per employee ($millions) | 5.2678% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 2,274 |
| Loan loss allowance to noncurrent loans | 88.0114% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.3559% | 2,930 |
| Noncurrent loans to loans | 2.0550% | 2,189 |
| Net loans and leases to total assets | 46.8590% | 5,461 |
| Net loans and leases to deposits | 53.8926% | 5,547 |
| Net loans and leases to core deposits | 55.9990% | 5,622 |
| Total domestic deposits to total assets | 86.9487% | 2,719 |
| Equity capital to assets | 10.4816% | 3,299 |
| Core capital (leverage) ratio | 10.0638% | 3,578 |
| Tier 1 risk-based capital ratio | 17.5401% | 2,493 |
| Total risk-based capital ratio | 18.7931% | 2,462 |
| Memoranda: | ||
| Average total assets | $812,307,000 | 824 |
| Average earning assets | $759,185,750 | 796 |
| Average equity | $81,415,500 | 882 |
| Average total loans | $454,082,750 | 944 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 4,733 |
| Cost of funding earning assets | 0.5313% | 3,586 |
| Net interest margin | 3.2980% | 4,587 |
| Noninterest income to average assets | 0.8986% | 1,815 |
| Noninterest expense to average assets | 2.8965% | 3,348 |
| Loan and lease loss provision to assets | 0.0578% | 3,849 |
| Net operating income to assets | 0.7315% | 3,664 |
| Return on assets (ROA) | 0.7315% | 3,821 |
| Pretax return on assets | 1.0236% | 3,400 |
| Return on Equity (ROE) | 7.4073% | 3,389 |
| Retained earnings to average equity (ytd only) | 7.4073% | 1,711 |
| Net charge-offs to loans | 0.4665% | 1,414 |
| Credit loss provision to net charge-offs | 21.1796% | 3,711 |
| Earnings coverage of net charge-offs (x) | 3.9607% | 3,251 |
| Efficiency ratio | 71.9929% | 3,467 |
| Assets per employee ($millions) | 5.1297% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 3,854 |
| Loan loss allowance to noncurrent loans | 415.7162% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 3,367 |
| Noncurrent loans to loans | 0.3461% | 5,425 |
| Net loans and leases to total assets | 53.3232% | 4,695 |
| Net loans and leases to deposits | 61.0277% | 4,860 |
| Net loans and leases to core deposits | 63.4290% | 4,955 |
| Total domestic deposits to total assets | 87.3754% | 2,603 |
| Equity capital to assets | 10.0325% | 3,872 |
| Core capital (leverage) ratio | 9.1960% | 4,702 |
| Tier 1 risk-based capital ratio | 14.6710% | 3,983 |
| Total risk-based capital ratio | 15.9218% | 3,950 |
| Memoranda: | ||
| Average total assets | $819,686,330 | 813 |
| Average earning assets | $765,316,000 | 789 |
| Average equity | $80,946,670 | 895 |
| Average total loans | $479,748,670 | 877 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 4,580 |
| Cost of funding earning assets | 0.5487% | 3,584 |
| Net interest margin | 3.3228% | 4,432 |
| Noninterest income to average assets | 0.9496% | 1,615 |
| Noninterest expense to average assets | 3.1145% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6690% | 3,852 |
| Return on assets (ROA) | 0.6690% | 4,009 |
| Pretax return on assets | 0.9375% | 3,624 |
| Return on Equity (ROE) | 6.8279% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.8279% | 2,237 |
| Net charge-offs to loans | 0.8992% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.7181% | 3,262 |
| Efficiency ratio | 76.0626% | 2,912 |
| Assets per employee ($millions) | 5.7640% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 4,457 |
| Loan loss allowance to noncurrent loans | 299.0566% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 1.2876% | 3,397 |
| Noncurrent loans to loans | 0.4518% | 5,292 |
| Net loans and leases to total assets | 54.1060% | 4,400 |
| Net loans and leases to deposits | 61.8368% | 4,568 |
| Net loans and leases to core deposits | 64.0990% | 4,732 |
| Total domestic deposits to total assets | 87.4980% | 2,633 |
| Equity capital to assets | 10.0378% | 4,102 |
| Core capital (leverage) ratio | 8.9227% | 5,023 |
| Tier 1 risk-based capital ratio | 14.2565% | 4,318 |
| Total risk-based capital ratio | 15.4342% | 4,339 |
| Memoranda: | ||
| Average total assets | $826,844,500 | 810 |
| Average earning assets | $772,001,000 | 793 |
| Average equity | $81,020,500 | 907 |
| Average total loans | $501,764,000 | 845 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 3,549 |
| Cost of funding earning assets | 0.6482% | 3,926 |
| Net interest margin | 3.8165% | 3,155 |
| Noninterest income to average assets | 0.7915% | 2,299 |
| Noninterest expense to average assets | 3.1271% | 2,851 |
| Loan and lease loss provision to assets | 0.2717% | 2,476 |
| Net operating income to assets | 0.6442% | 4,019 |
| Return on assets (ROA) | 0.6715% | 4,146 |
| Pretax return on assets | 0.9799% | 3,619 |
| Return on Equity (ROE) | 7.1753% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.1753% | 1,488 |
| Net charge-offs to loans | 0.1056% | 4,612 |
| Credit loss provision to net charge-offs | 403.3771% | 596 |
| Earnings coverage of net charge-offs (x) | 17.9925% | 1,469 |
| Efficiency ratio | 71.2854% | 3,572 |
| Assets per employee ($millions) | 5.9223% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 4,730 |
| Loan loss allowance to noncurrent loans | 112.2078% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.7671% | 2,753 |
| Noncurrent loans to loans | 1.1426% | 3,939 |
| Net loans and leases to total assets | 65.4749% | 2,616 |
| Net loans and leases to deposits | 77.7759% | 2,568 |
| Net loans and leases to core deposits | 80.4566% | 2,945 |
| Total domestic deposits to total assets | 84.1841% | 4,230 |
| Equity capital to assets | 9.5678% | 4,796 |
| Core capital (leverage) ratio | 9.0425% | 4,826 |
| Tier 1 risk-based capital ratio | 11.3902% | 6,164 |
| Total risk-based capital ratio | 12.5303% | 6,193 |
| Memoranda: | ||
| Average total assets | $791,190,200 | 840 |
| Average earning assets | $735,454,800 | 812 |
| Average equity | $74,045,800 | 958 |
| Average total loans | $504,918,000 | 822 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 3,620 |
| Cost of funding earning assets | 0.6702% | 4,015 |
| Net interest margin | 3.8337% | 3,187 |
| Noninterest income to average assets | 0.7990% | 2,246 |
| Noninterest expense to average assets | 3.1104% | 2,855 |
| Loan and lease loss provision to assets | 0.2825% | 2,307 |
| Net operating income to assets | 0.6866% | 3,973 |
| Return on assets (ROA) | 0.6866% | 4,228 |
| Pretax return on assets | 0.9660% | 3,842 |
| Return on Equity (ROE) | 7.3805% | 3,593 |
| Retained earnings to average equity (ytd only) | 7.3805% | 1,906 |
| Net charge-offs to loans | 0.1331% | 4,056 |
| Credit loss provision to net charge-offs | 336.0489% | 791 |
| Earnings coverage of net charge-offs (x) | 14.8513% | 1,812 |
| Efficiency ratio | 70.5684% | 3,580 |
| Assets per employee ($millions) | 5.6067% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 4,867 |
| Loan loss allowance to noncurrent loans | 139.4956% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.9060% | 2,776 |
| Noncurrent loans to loans | 0.9232% | 4,586 |
| Net loans and leases to total assets | 64.4403% | 2,947 |
| Net loans and leases to deposits | 77.5744% | 2,719 |
| Net loans and leases to core deposits | 81.0862% | 3,082 |
| Total domestic deposits to total assets | 83.0691% | 4,618 |
| Equity capital to assets | 9.4318% | 5,284 |
| Core capital (leverage) ratio | 8.8220% | 5,309 |
| Tier 1 risk-based capital ratio | 11.2944% | 6,363 |
| Total risk-based capital ratio | 12.4180% | 6,381 |
| Memoranda: | ||
| Average total assets | $778,745,750 | 859 |
| Average earning assets | $723,106,500 | 833 |
| Average equity | $72,441,750 | 979 |
| Average total loans | $491,704,000 | 841 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4467% | 3,995 |
| Cost of funding earning assets | 0.6940% | 4,067 |
| Net interest margin | 3.7527% | 3,577 |
| Noninterest income to average assets | 0.7835% | 2,275 |
| Noninterest expense to average assets | 3.0173% | 3,194 |
| Loan and lease loss provision to assets | 0.2976% | 2,200 |
| Net operating income to assets | 0.6709% | 4,012 |
| Return on assets (ROA) | 0.6709% | 4,275 |
| Pretax return on assets | 0.9496% | 3,884 |
| Return on Equity (ROE) | 7.2472% | 3,647 |
| Retained earnings to average equity (ytd only) | 7.2472% | 1,983 |
| Net charge-offs to loans | 0.1770% | 3,536 |
| Credit loss provision to net charge-offs | 269.3208% | 1,076 |
| Earnings coverage of net charge-offs (x) | 11.2881% | 1,974 |
| Efficiency ratio | 69.9411% | 3,775 |
| Assets per employee ($millions) | 5.5536% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 5,082 |
| Loan loss allowance to noncurrent loans | 228.3577% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 1.8644% | 2,950 |
| Noncurrent loans to loans | 0.5520% | 5,414 |
| Net loans and leases to total assets | 63.0398% | 3,224 |
| Net loans and leases to deposits | 73.2052% | 3,425 |
| Net loans and leases to core deposits | 77.2047% | 3,628 |
| Total domestic deposits to total assets | 86.1138% | 3,299 |
| Equity capital to assets | 9.3835% | 5,214 |
| Core capital (leverage) ratio | 8.8349% | 5,157 |
| Tier 1 risk-based capital ratio | 11.0077% | 6,493 |
| Total risk-based capital ratio | 12.0442% | 6,569 |
| Memoranda: | ||
| Average total assets | $772,941,670 | 860 |
| Average earning assets | $716,982,000 | 838 |
| Average equity | $71,558,330 | 982 |
| Average total loans | $482,358,670 | 855 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 3,912 |
| Cost of funding earning assets | 0.7308% | 4,019 |
| Net interest margin | 3.7688% | 3,523 |
| Noninterest income to average assets | 0.7863% | 2,228 |
| Noninterest expense to average assets | 3.0950% | 2,931 |
| Loan and lease loss provision to assets | 0.3114% | 2,018 |
| Net operating income to assets | 0.6389% | 4,177 |
| Return on assets (ROA) | 0.6389% | 4,390 |
| Pretax return on assets | 0.8730% | 4,137 |
| Return on Equity (ROE) | 6.9490% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.9490% | 2,462 |
| Net charge-offs to loans | 0.2121% | 2,863 |
| Credit loss provision to net charge-offs | 238.0952% | 1,187 |
| Earnings coverage of net charge-offs (x) | 9.0556% | 1,889 |
| Efficiency ratio | 71.5100% | 3,532 |
| Assets per employee ($millions) | 5.4319% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 5,062 |
| Loan loss allowance to noncurrent loans | 198.5820% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 1.9944% | 2,907 |
| Noncurrent loans to loans | 0.6495% | 5,343 |
| Net loans and leases to total assets | 60.0504% | 3,659 |
| Net loans and leases to deposits | 68.2932% | 4,012 |
| Net loans and leases to core deposits | 72.0985% | 4,140 |
| Total domestic deposits to total assets | 87.9302% | 2,370 |
| Equity capital to assets | 9.5468% | 4,728 |
| Core capital (leverage) ratio | 8.7081% | 5,281 |
| Tier 1 risk-based capital ratio | 11.9345% | 6,004 |
| Total risk-based capital ratio | 13.0147% | 6,096 |
| Memoranda: | ||
| Average total assets | $770,663,000 | 864 |
| Average earning assets | $714,278,000 | 841 |
| Average equity | $70,859,000 | 988 |
| Average total loans | $475,342,500 | 866 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5630% | 4,820 |
| Cost of funding earning assets | 0.9331% | 3,847 |
| Net interest margin | 3.6300% | 4,609 |
| Noninterest income to average assets | 0.7586% | 2,290 |
| Noninterest expense to average assets | 2.8574% | 4,139 |
| Loan and lease loss provision to assets | 0.3511% | 2,897 |
| Net operating income to assets | 0.6013% | 3,996 |
| Return on assets (ROA) | 0.6013% | 4,185 |
| Pretax return on assets | 0.8103% | 3,941 |
| Return on Equity (ROE) | 6.4759% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.4759% | 1,752 |
| Net charge-offs to loans | 0.6832% | 2,446 |
| Credit loss provision to net charge-offs | 91.7833% | 3,932 |
| Earnings coverage of net charge-offs (x) | 3.0359% | 3,693 |
| Efficiency ratio | 70.3819% | 3,870 |
| Assets per employee ($millions) | 5.6552% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 5,744 |
| Loan loss allowance to noncurrent loans | 184.9599% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 1.9632% | 3,018 |
| Noncurrent loans to loans | 0.6049% | 5,506 |
| Net loans and leases to total assets | 61.7804% | 3,646 |
| Net loans and leases to deposits | 78.3211% | 2,781 |
| Net loans and leases to core deposits | 81.4914% | 3,247 |
| Total domestic deposits to total assets | 78.8809% | 6,019 |
| Equity capital to assets | 8.8610% | 5,720 |
| Core capital (leverage) ratio | 8.4727% | 5,609 |
| Tier 1 risk-based capital ratio | 10.7706% | 6,570 |
| Total risk-based capital ratio | 11.7092% | 6,684 |
| Memoranda: | ||
| Average total assets | $728,467,400 | 897 |
| Average earning assets | $654,277,600 | 908 |
| Average equity | $67,635,800 | 990 |
| Average total loans | $407,933,800 | 1,040 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 5,213 |
| Cost of funding earning assets | 0.9836% | 3,794 |
| Net interest margin | 3.5327% | 5,047 |
| Noninterest income to average assets | 0.7534% | 2,293 |
| Noninterest expense to average assets | 2.8456% | 4,166 |
| Loan and lease loss provision to assets | 0.2400% | 3,608 |
| Net operating income to assets | 0.6022% | 4,077 |
| Return on assets (ROA) | 0.6022% | 4,255 |
| Pretax return on assets | 0.8133% | 4,076 |
| Return on Equity (ROE) | 6.4052% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.4052% | 2,291 |
| Net charge-offs to loans | 0.5309% | 2,637 |
| Credit loss provision to net charge-offs | 83.4200% | 4,020 |
| Earnings coverage of net charge-offs (x) | 3.6606% | 3,343 |
| Efficiency ratio | 72.2985% | 3,493 |
| Assets per employee ($millions) | 5.1204% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 5,182 |
| Loan loss allowance to noncurrent loans | 100.3461% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 2.2398% | 2,847 |
| Noncurrent loans to loans | 1.2581% | 4,434 |
| Net loans and leases to total assets | 58.0200% | 4,513 |
| Net loans and leases to deposits | 66.6677% | 4,803 |
| Net loans and leases to core deposits | 69.8799% | 4,960 |
| Total domestic deposits to total assets | 87.0287% | 2,638 |
| Equity capital to assets | 9.3400% | 5,316 |
| Core capital (leverage) ratio | 8.5509% | 5,635 |
| Tier 1 risk-based capital ratio | 11.7083% | 6,099 |
| Total risk-based capital ratio | 12.7462% | 6,237 |
| Memoranda: | ||
| Average total assets | $712,652,500 | 924 |
| Average earning assets | $634,549,000 | 943 |
| Average equity | $67,006,000 | 1,006 |
| Average total loans | $386,250,750 | 1,118 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 5,171 |
| Cost of funding earning assets | 1.0189% | 3,824 |
| Net interest margin | 3.5312% | 5,009 |
| Noninterest income to average assets | 0.7277% | 2,389 |
| Noninterest expense to average assets | 2.9059% | 4,002 |
| Loan and lease loss provision to assets | 0.1921% | 4,003 |
| Net operating income to assets | 0.5547% | 4,290 |
| Return on assets (ROA) | 0.5547% | 4,416 |
| Pretax return on assets | 0.7260% | 4,295 |
| Return on Equity (ROE) | 5.8859% | 4,025 |
| Retained earnings to average equity (ytd only) | 5.8859% | 2,498 |
| Net charge-offs to loans | 0.3074% | 3,338 |
| Credit loss provision to net charge-offs | 118.8380% | 2,583 |
| Earnings coverage of net charge-offs (x) | 5.6796% | 2,555 |
| Efficiency ratio | 75.4242% | 3,113 |
| Assets per employee ($millions) | 4.9621% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 3,354 |
| Loan loss allowance to noncurrent loans | 103.1634% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.7303% | 3,606 |
| Noncurrent loans to loans | 1.6405% | 3,948 |
| Net loans and leases to total assets | 46.7446% | 6,185 |
| Net loans and leases to deposits | 52.9577% | 6,398 |
| Net loans and leases to core deposits | 56.0377% | 6,412 |
| Total domestic deposits to total assets | 88.2678% | 1,985 |
| Equity capital to assets | 9.2620% | 5,189 |
| Core capital (leverage) ratio | 7.8990% | 6,413 |
| Tier 1 risk-based capital ratio | 13.2526% | 4,726 |
| Total risk-based capital ratio | 14.5030% | 4,704 |
| Memoranda: | ||
| Average total assets | $702,716,330 | 944 |
| Average earning assets | $616,161,670 | 972 |
| Average equity | $66,226,000 | 1,015 |
| Average total loans | $369,573,000 | 1,180 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 4,315 |
| Cost of funding earning assets | 1.0298% | 3,990 |
| Net interest margin | 3.7142% | 4,028 |
| Noninterest income to average assets | 0.7619% | 2,211 |
| Noninterest expense to average assets | 2.8728% | 4,174 |
| Loan and lease loss provision to assets | 0.2321% | 3,329 |
| Net operating income to assets | 0.5594% | 4,236 |
| Return on assets (ROA) | 0.5594% | 4,315 |
| Pretax return on assets | 0.8065% | 3,879 |
| Return on Equity (ROE) | 5.8817% | 3,971 |
| Retained earnings to average equity (ytd only) | 5.8817% | 2,709 |
| Net charge-offs to loans | 0.4337% | 2,397 |
| Credit loss provision to net charge-offs | 96.8523% | 2,816 |
| Earnings coverage of net charge-offs (x) | 4.3341% | 2,507 |
| Efficiency ratio | 73.3126% | 3,635 |
| Assets per employee ($millions) | 5.0998% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 3,176 |
| Loan loss allowance to noncurrent loans | 85.6164% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.7996% | 3,570 |
| Noncurrent loans to loans | 2.0434% | 3,518 |
| Net loans and leases to total assets | 43.9727% | 6,471 |
| Net loans and leases to deposits | 49.6720% | 6,649 |
| Net loans and leases to core deposits | 52.5965% | 6,649 |
| Total domestic deposits to total assets | 88.5262% | 2,054 |
| Equity capital to assets | 8.9705% | 5,250 |
| Core capital (leverage) ratio | 9.3049% | 4,119 |
| Tier 1 risk-based capital ratio | 14.1561% | 3,967 |
| Total risk-based capital ratio | 15.4095% | 3,934 |
| Memoranda: | ||
| Average total assets | $689,359,500 | 966 |
| Average earning assets | $584,572,500 | 1,031 |
| Average equity | $65,559,000 | 1,017 |
| Average total loans | $380,940,000 | 1,155 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 5,811 |
| Cost of funding earning assets | 1.2423% | 4,266 |
| Net interest margin | 3.4555% | 5,411 |
| Noninterest income to average assets | 0.8242% | 2,171 |
| Noninterest expense to average assets | 2.8419% | 4,430 |
| Loan and lease loss provision to assets | 0.3454% | 4,066 |
| Net operating income to assets | 0.5962% | 3,687 |
| Return on assets (ROA) | 0.5962% | 3,851 |
| Pretax return on assets | 0.8385% | 3,504 |
| Return on Equity (ROE) | 5.4809% | 3,847 |
| Retained earnings to average equity (ytd only) | 2.9515% | 3,794 |
| Net charge-offs to loans | 0.2516% | 4,781 |
| Credit loss provision to net charge-offs | 217.9007% | 1,384 |
| Earnings coverage of net charge-offs (x) | 7.4686% | 2,124 |
| Efficiency ratio | 70.4565% | 4,076 |
| Assets per employee ($millions) | 4.7729% | 2,454 |
| Cash dividends to net income (ytd only)* | 46.1500% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 4,848 |
| Loan loss allowance to noncurrent loans | 65.7727% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 2.1127% | 3,199 |
| Noncurrent loans to loans | 2.0226% | 3,531 |
| Net loans and leases to total assets | 66.3374% | 3,395 |
| Net loans and leases to deposits | 78.6006% | 3,412 |
| Net loans and leases to core deposits | 84.5754% | 3,515 |
| Total domestic deposits to total assets | 84.3982% | 4,175 |
| Equity capital to assets | 10.1251% | 3,586 |
| Core capital (leverage) ratio | 9.5097% | 3,695 |
| Tier 1 risk-based capital ratio | 12.7771% | 4,789 |
| Total risk-based capital ratio | 13.9219% | 4,855 |
| Memoranda: | ||
| Average total assets | $673,135,800 | 985 |
| Average earning assets | $623,676,600 | 967 |
| Average equity | $73,218,000 | 911 |
| Average total loans | $424,075,800 | 1,054 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 6,429 |
| Cost of funding earning assets | 1.2638% | 4,469 |
| Net interest margin | 3.3013% | 6,009 |
| Noninterest income to average assets | 0.7518% | 2,496 |
| Noninterest expense to average assets | 2.6788% | 4,966 |
| Loan and lease loss provision to assets | 0.3381% | 3,900 |
| Net operating income to assets | 0.5691% | 4,006 |
| Return on assets (ROA) | 0.5691% | 4,176 |
| Pretax return on assets | 0.7982% | 3,912 |
| Return on Equity (ROE) | 5.1480% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.1480% | 2,874 |
| Net charge-offs to loans | 0.1593% | 5,046 |
| Credit loss provision to net charge-offs | 342.2619% | 932 |
| Earnings coverage of net charge-offs (x) | 11.5040% | 1,789 |
| Efficiency ratio | 70.0724% | 4,049 |
| Assets per employee ($millions) | 5.1617% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 5,259 |
| Loan loss allowance to noncurrent loans | 64.4457% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.5347% | 4,148 |
| Noncurrent loans to loans | 1.9324% | 3,769 |
| Net loans and leases to total assets | 65.6496% | 3,765 |
| Net loans and leases to deposits | 84.4118% | 2,639 |
| Net loans and leases to core deposits | 91.1191% | 2,938 |
| Total domestic deposits to total assets | 77.7730% | 6,300 |
| Equity capital to assets | 11.0860% | 2,867 |
| Core capital (leverage) ratio | 11.0990% | 2,192 |
| Tier 1 risk-based capital ratio | 14.5657% | 3,475 |
| Total risk-based capital ratio | 15.6714% | 3,529 |
| Memoranda: | ||
| Average total assets | $680,332,750 | 981 |
| Average earning assets | $631,298,000 | 963 |
| Average equity | $75,212,250 | 875 |
| Average total loans | $421,793,000 | 1,069 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 6,812 |
| Cost of funding earning assets | 1.3113% | 4,469 |
| Net interest margin | 3.1358% | 6,502 |
| Noninterest income to average assets | 0.7098% | 2,651 |
| Noninterest expense to average assets | 2.6189% | 5,247 |
| Loan and lease loss provision to assets | 0.2513% | 4,412 |
| Net operating income to assets | 0.5454% | 4,118 |
| Return on assets (ROA) | 0.5454% | 4,258 |
| Pretax return on assets | 0.7423% | 4,099 |
| Return on Equity (ROE) | 4.9382% | 4,318 |
| Retained earnings to average equity (ytd only) | 4.9382% | 2,943 |
| Net charge-offs to loans | 0.2039% | 4,394 |
| Credit loss provision to net charge-offs | 203.8369% | 1,910 |
| Earnings coverage of net charge-offs (x) | 8.0600% | 2,195 |
| Efficiency ratio | 72.3486% | 3,761 |
| Assets per employee ($millions) | 5.4915% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 5,930 |
| Loan loss allowance to noncurrent loans | 67.5790% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.2636% | 4,617 |
| Noncurrent loans to loans | 1.6305% | 4,266 |
| Net loans and leases to total assets | 62.0818% | 4,668 |
| Net loans and leases to deposits | 83.0687% | 3,061 |
| Net loans and leases to core deposits | 89.5956% | 3,330 |
| Total domestic deposits to total assets | 74.7354% | 6,881 |
| Equity capital to assets | 10.6258% | 3,253 |
| Core capital (leverage) ratio | 11.5780% | 1,865 |
| Tier 1 risk-based capital ratio | 14.7842% | 3,269 |
| Total risk-based capital ratio | 15.7613% | 3,403 |
| Memoranda: | ||
| Average total assets | $676,556,000 | 995 |
| Average earning assets | $626,244,330 | 979 |
| Average equity | $74,723,670 | 879 |
| Average total loans | $409,124,000 | 1,123 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 6,748 |
| Cost of funding earning assets | 1.4168% | 4,074 |
| Net interest margin | 3.1042% | 6,582 |
| Noninterest income to average assets | 0.7187% | 2,478 |
| Noninterest expense to average assets | 2.6558% | 5,124 |
| Loan and lease loss provision to assets | 0.1824% | 4,697 |
| Net operating income to assets | 0.5308% | 4,228 |
| Return on assets (ROA) | 0.5308% | 4,365 |
| Pretax return on assets | 0.7406% | 4,091 |
| Return on Equity (ROE) | 4.7089% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.7089% | 3,319 |
| Net charge-offs to loans | 0.0144% | 5,385 |
| Credit loss provision to net charge-offs | 2,142.8571% | 240 |
| Earnings coverage of net charge-offs (x) | 108.4286% | 300 |
| Efficiency ratio | 74.0571% | 3,569 |
| Assets per employee ($millions) | 5.1529% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 5,100 |
| Loan loss allowance to noncurrent loans | 56.1533% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.5452% | 4,179 |
| Noncurrent loans to loans | 2.2585% | 3,449 |
| Net loans and leases to total assets | 58.3735% | 5,371 |
| Net loans and leases to deposits | 69.8789% | 5,359 |
| Net loans and leases to core deposits | 76.3741% | 5,207 |
| Total domestic deposits to total assets | 83.5351% | 4,372 |
| Equity capital to assets | 11.7097% | 2,223 |
| Core capital (leverage) ratio | 11.3565% | 1,997 |
| Tier 1 risk-based capital ratio | 17.0650% | 2,248 |
| Total risk-based capital ratio | 18.1681% | 2,246 |
| Memoranda: | ||
| Average total assets | $657,885,500 | 1,050 |
| Average earning assets | $606,153,500 | 1,038 |
| Average equity | $74,157,000 | 896 |
| Average total loans | $389,617,000 | 1,217 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4413% | 4,485 |
| Cost of funding earning assets | 2.0192% | 2,875 |
| Net interest margin | 3.4220% | 5,282 |
| Noninterest income to average assets | 0.7855% | 2,476 |
| Noninterest expense to average assets | 2.9501% | 4,338 |
| Loan and lease loss provision to assets | 0.4129% | 4,335 |
| Net operating income to assets | 0.4205% | 4,046 |
| Return on assets (ROA) | 0.5283% | 3,707 |
| Pretax return on assets | 0.6128% | 3,872 |
| Return on Equity (ROE) | 4.4631% | 3,902 |
| Retained earnings to average equity (ytd only) | 4.0860% | 2,356 |
| Net charge-offs to loans | 0.4273% | 4,084 |
| Credit loss provision to net charge-offs | 147.3168% | 3,193 |
| Earnings coverage of net charge-offs (x) | 3.2123% | 3,448 |
| Efficiency ratio | 76.4627% | 3,446 |
| Assets per employee ($millions) | 5.5935% | 1,561 |
| Cash dividends to net income (ytd only)* | 8.4481% | 3,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 5,796 |
| Loan loss allowance to noncurrent loans | 104.5972% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.8378% | 5,427 |
| Noncurrent loans to loans | 1.0728% | 5,172 |
| Net loans and leases to total assets | 58.6508% | 5,542 |
| Net loans and leases to deposits | 69.3733% | 5,684 |
| Net loans and leases to core deposits | 81.8969% | 5,918 |
| Total domestic deposits to total assets | 84.5437% | 3,778 |
| Equity capital to assets | 10.8589% | 2,810 |
| Core capital (leverage) ratio | 10.8840% | 2,288 |
| Tier 1 risk-based capital ratio | 16.0602% | 2,498 |
| Total risk-based capital ratio | 17.0434% | 2,542 |
| Memoranda: | ||
| Average total assets | $618,358,800 | 1,119 |
| Average earning assets | $553,823,200 | 1,138 |
| Average equity | $73,200,400 | 890 |
| Average total loans | $405,609,800 | 1,185 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5850% | 3,945 |
| Cost of funding earning assets | 2.1374% | 2,721 |
| Net interest margin | 3.4477% | 5,080 |
| Noninterest income to average assets | 0.7785% | 2,558 |
| Noninterest expense to average assets | 3.0175% | 3,976 |
| Loan and lease loss provision to assets | 0.2855% | 4,690 |
| Net operating income to assets | 0.4775% | 4,081 |
| Return on assets (ROA) | 0.4775% | 4,181 |
| Pretax return on assets | 0.5388% | 4,406 |
| Return on Equity (ROE) | 3.9419% | 4,395 |
| Retained earnings to average equity (ytd only) | 3.4387% | 3,374 |
| Net charge-offs to loans | 0.2839% | 4,259 |
| Credit loss provision to net charge-offs | 149.3072% | 3,225 |
| Earnings coverage of net charge-offs (x) | 4.3106% | 3,182 |
| Efficiency ratio | 78.3813% | 3,107 |
| Assets per employee ($millions) | 5.4639% | 1,647 |
| Cash dividends to net income (ytd only)* | 12.7660% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 6,019 |
| Loan loss allowance to noncurrent loans | 81.8960% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 4,760 |
| Noncurrent loans to loans | 1.2792% | 4,803 |
| Net loans and leases to total assets | 58.2661% | 5,852 |
| Net loans and leases to deposits | 69.8295% | 5,936 |
| Net loans and leases to core deposits | 84.4560% | 6,008 |
| Total domestic deposits to total assets | 83.4404% | 3,999 |
| Equity capital to assets | 11.1543% | 2,872 |
| Core capital (leverage) ratio | 11.1747% | 2,282 |
| Tier 1 risk-based capital ratio | 16.9791% | 2,280 |
| Total risk-based capital ratio | 17.9374% | 2,314 |
| Memoranda: | ||
| Average total assets | $603,745,750 | 1,161 |
| Average earning assets | $536,468,000 | 1,194 |
| Average equity | $73,127,000 | 906 |
| Average total loans | $406,647,250 | 1,202 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6624% | 3,752 |
| Cost of funding earning assets | 2.1713% | 2,927 |
| Net interest margin | 3.4911% | 4,841 |
| Noninterest income to average assets | 0.7739% | 2,560 |
| Noninterest expense to average assets | 3.1833% | 3,376 |
| Loan and lease loss provision to assets | 0.2704% | 4,418 |
| Net operating income to assets | 0.4677% | 4,227 |
| Return on assets (ROA) | 0.4677% | 4,340 |
| Pretax return on assets | 0.4945% | 4,635 |
| Return on Equity (ROE) | 3.7487% | 4,600 |
| Retained earnings to average equity (ytd only) | 2.9896% | 3,657 |
| Net charge-offs to loans | 0.1284% | 4,884 |
| Credit loss provision to net charge-offs | 298.4848% | 1,570 |
| Earnings coverage of net charge-offs (x) | 8.4432% | 2,258 |
| Efficiency ratio | 80.4694% | 2,967 |
| Assets per employee ($millions) | 5.1882% | 1,874 |
| Cash dividends to net income (ytd only)* | 20.2494% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 6,366 |
| Loan loss allowance to noncurrent loans | 80.6322% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.3693% | 4,223 |
| Noncurrent loans to loans | 1.2177% | 4,774 |
| Net loans and leases to total assets | 68.7485% | 4,009 |
| Net loans and leases to deposits | 83.9187% | 3,892 |
| Net loans and leases to core deposits | 102.2052% | 4,268 |
| Total domestic deposits to total assets | 81.9228% | 4,718 |
| Equity capital to assets | 11.8689% | 2,280 |
| Core capital (leverage) ratio | 12.0067% | 1,827 |
| Tier 1 risk-based capital ratio | 15.6724% | 2,743 |
| Total risk-based capital ratio | 16.5840% | 2,811 |
| Memoranda: | ||
| Average total assets | $582,796,330 | 1,219 |
| Average earning assets | $529,913,670 | 1,224 |
| Average equity | $72,718,000 | 919 |
| Average total loans | $411,359,670 | 1,222 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6891% | 3,862 |
| Cost of funding earning assets | 2.2621% | 2,874 |
| Net interest margin | 3.4270% | 5,024 |
| Noninterest income to average assets | 0.7116% | 2,813 |
| Noninterest expense to average assets | 2.9560% | 3,954 |
| Loan and lease loss provision to assets | 0.3275% | 3,358 |
| Net operating income to assets | 0.4619% | 4,607 |
| Return on assets (ROA) | 0.4619% | 4,785 |
| Pretax return on assets | 0.5871% | 4,795 |
| Return on Equity (ROE) | 3.6059% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.6059% | 3,888 |
| Net charge-offs to loans | 0.0179% | 5,322 |
| Credit loss provision to net charge-offs | 2,572.2222% | 260 |
| Earnings coverage of net charge-offs (x) | 71.8333% | 560 |
| Efficiency ratio | 76.2061% | 3,453 |
| Assets per employee ($millions) | 5.1845% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 6,330 |
| Loan loss allowance to noncurrent loans | 85.1371% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 3,581 |
| Noncurrent loans to loans | 1.1485% | 4,695 |
| Net loans and leases to total assets | 71.3898% | 3,379 |
| Net loans and leases to deposits | 88.1111% | 3,272 |
| Net loans and leases to core deposits | 111.6409% | 3,245 |
| Total domestic deposits to total assets | 81.0226% | 4,955 |
| Equity capital to assets | 12.4454% | 2,005 |
| Core capital (leverage) ratio | 12.6102% | 1,644 |
| Tier 1 risk-based capital ratio | 15.5805% | 2,820 |
| Total risk-based capital ratio | 16.4761% | 2,911 |
| Memoranda: | ||
| Average total assets | $565,494,000 | 1,257 |
| Average earning assets | $521,278,500 | 1,245 |
| Average equity | $72,437,500 | 926 |
| Average total loans | $402,708,000 | 1,246 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3904% | 3,467 |
| Cost of funding earning assets | 2.5599% | 3,904 |
| Net interest margin | 3.8305% | 3,892 |
| Noninterest income to average assets | 0.7791% | 2,626 |
| Noninterest expense to average assets | 3.1610% | 3,475 |
| Loan and lease loss provision to assets | 0.1297% | 5,711 |
| Net operating income to assets | 0.7030% | 3,880 |
| Return on assets (ROA) | 0.7030% | 3,715 |
| Pretax return on assets | 1.0256% | 3,285 |
| Return on Equity (ROE) | 5.6898% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.0056% | 2,025 |
| Net charge-offs to loans | 0.0842% | 5,559 |
| Credit loss provision to net charge-offs | 211.2211% | 2,287 |
| Earnings coverage of net charge-offs (x) | 18.8086% | 1,677 |
| Efficiency ratio | 73.0603% | 3,736 |
| Assets per employee ($millions) | 4.8242% | 2,150 |
| Cash dividends to net income (ytd only)* | 12.0242% | 4,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 6,324 |
| Loan loss allowance to noncurrent loans | 109.9344% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.4031% | 3,393 |
| Noncurrent loans to loans | 0.8751% | 4,864 |
| Net loans and leases to total assets | 69.5904% | 4,119 |
| Net loans and leases to deposits | 91.4798% | 3,219 |
| Net loans and leases to core deposits | 119.6939% | 2,718 |
| Total domestic deposits to total assets | 76.0718% | 6,221 |
| Equity capital to assets | 13.2010% | 1,711 |
| Core capital (leverage) ratio | 13.7756% | 1,314 |
| Tier 1 risk-based capital ratio | 16.6752% | 2,427 |
| Total risk-based capital ratio | 17.5398% | 2,493 |
| Memoranda: | ||
| Average total assets | $493,288,400 | 1,374 |
| Average earning assets | $455,525,800 | 1,370 |
| Average equity | $60,951,400 | 1,103 |
| Average total loans | $359,716,400 | 1,350 |