Home > Community Bank of the Chesapeake > Performance and Condition Ratios
Community Bank of the Chesapeake, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2828% | 1,103 |
| Cost of funding earning assets | 1.6065% | 1,048 |
| Net interest margin | 3.6764% | 1,861 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.7255% | 4,120 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.4474% | 1,220 |
| Return on assets (ROA) | 1.4474% | 1,208 |
| Pretax return on assets | 1.9006% | 866 |
| Return on Equity (ROE) | 15.6200% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.0662% | 973 |
| Net charge-offs to loans | 0.0534% | 986 |
| Credit loss provision to net charge-offs | 223.8866% | 997 |
| Earnings coverage of net charge-offs (x) | 48.8563% | 1,299 |
| Efficiency ratio | 46.5058% | 4,143 |
| Assets per employee ($millions) | 12.4921% | 333 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,191 |
| Loan loss allowance to noncurrent loans | 271.1780% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 1,506 |
| Noncurrent loans to loans | 0.4595% | 1,564 |
| Net loans and leases to total assets | 75.6900% | 1,085 |
| Net loans and leases to deposits | 87.1199% | 1,418 |
| Net loans and leases to core deposits | 104.9962% | 1,017 |
| Total domestic deposits to total assets | 86.8800% | 1,967 |
| Equity capital to assets | 9.4229% | 2,219 |
| Core capital (leverage) ratio | 10.5675% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3090% | 1,785 |
| Memoranda: | ||
| Average total assets | $2,432,027,667 | 472 |
| Average earning assets | $2,304,185,667 | 451 |
| Average equity | $225,422,667 | 474 |
| Average total loans | $1,850,662,667 | 419 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 1,683 |
| Cost of funding earning assets | 1.3507% | 1,128 |
| Net interest margin | 3.4219% | 2,580 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.5778% | 4,331 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.3489% | 1,550 |
| Return on assets (ROA) | 1.3579% | 1,483 |
| Pretax return on assets | 1.7856% | 1,093 |
| Return on Equity (ROE) | 14.7700% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.1743% | 1,434 |
| Net charge-offs to loans | 0.0098% | 1,573 |
| Credit loss provision to net charge-offs | 1,486.6667% | 281 |
| Earnings coverage of net charge-offs (x) | 252.7556% | 424 |
| Efficiency ratio | 45.6050% | 4,243 |
| Assets per employee ($millions) | 12.1945% | 377 |
| Cash dividends to net income (ytd only)* | 24.3694% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,158 |
| Loan loss allowance to noncurrent loans | 288.1034% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 1,516 |
| Noncurrent loans to loans | 0.4425% | 1,615 |
| Net loans and leases to total assets | 75.0300% | 1,075 |
| Net loans and leases to deposits | 84.4268% | 1,469 |
| Net loans and leases to core deposits | 99.5780% | 1,109 |
| Total domestic deposits to total assets | 88.8700% | 1,592 |
| Equity capital to assets | 9.3941% | 2,232 |
| Core capital (leverage) ratio | 10.3850% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2499% | 1,882 |
| Memoranda: | ||
| Average total assets | $2,417,565,500 | 484 |
| Average earning assets | $2,290,431,500 | 462 |
| Average equity | $222,188,000 | 490 |
| Average total loans | $1,832,919,000 | 429 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 2,435 |
| Cost of funding earning assets | 0.3459% | 2,512 |
| Net interest margin | 3.3931% | 2,281 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.5270% | 4,400 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.3946% | 1,147 |
| Return on assets (ROA) | 1.3760% | 1,148 |
| Pretax return on assets | 1.8222% | 701 |
| Return on Equity (ROE) | 14.7800% | 1,316 |
| Retained earnings to average equity (ytd only) | 10.2121% | 1,091 |
| Net charge-offs to loans | 0.0271% | 1,514 |
| Credit loss provision to net charge-offs | 529.7826% | 653 |
| Earnings coverage of net charge-offs (x) | 100.0261% | 974 |
| Efficiency ratio | 43.8474% | 4,435 |
| Assets per employee ($millions) | 12.2879% | 360 |
| Cash dividends to net income (ytd only)* | 30.8871% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,109 |
| Loan loss allowance to noncurrent loans | 371.2895% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 1,880 |
| Noncurrent loans to loans | 0.3385% | 1,938 |
| Net loans and leases to total assets | 74.6800% | 1,157 |
| Net loans and leases to deposits | 86.0194% | 1,312 |
| Net loans and leases to core deposits | 94.9864% | 1,252 |
| Total domestic deposits to total assets | 86.8200% | 2,453 |
| Equity capital to assets | 8.9855% | 2,367 |
| Core capital (leverage) ratio | 10.3271% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9805% | 1,986 |
| Memoranda: | ||
| Average total assets | $2,352,885,000 | 478 |
| Average earning assets | $2,229,776,600 | 458 |
| Average equity | $219,113,200 | 487 |
| Average total loans | $1,694,822,000 | 430 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4863% | 2,660 |
| Cost of funding earning assets | 0.1988% | 3,292 |
| Net interest margin | 3.2875% | 2,333 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.4859% | 4,436 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.3407% | 1,232 |
| Return on assets (ROA) | 1.3153% | 1,274 |
| Pretax return on assets | 1.7451% | 819 |
| Return on Equity (ROE) | 14.0000% | 1,428 |
| Retained earnings to average equity (ytd only) | 8.5377% | 1,812 |
| Net charge-offs to loans | 0.0365% | 1,135 |
| Credit loss provision to net charge-offs | 344.8352% | 755 |
| Earnings coverage of net charge-offs (x) | 71.9736% | 1,095 |
| Efficiency ratio | 44.3203% | 4,455 |
| Assets per employee ($millions) | 11.8506% | 401 |
| Cash dividends to net income (ytd only)* | 39.0049% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,209 |
| Loan loss allowance to noncurrent loans | 348.4182% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 1,886 |
| Noncurrent loans to loans | 0.3624% | 1,941 |
| Net loans and leases to total assets | 73.0400% | 1,175 |
| Net loans and leases to deposits | 80.8543% | 1,532 |
| Net loans and leases to core deposits | 88.8556% | 1,367 |
| Total domestic deposits to total assets | 90.3400% | 1,509 |
| Equity capital to assets | 8.7838% | 2,356 |
| Core capital (leverage) ratio | 10.2482% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1190% | 2,007 |
| Memoranda: | ||
| Average total assets | $2,339,000,500 | 480 |
| Average earning assets | $2,217,949,000 | 460 |
| Average equity | $219,789,500 | 488 |
| Average total loans | $1,663,161,250 | 434 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3040% | 2,727 |
| Cost of funding earning assets | 0.1264% | 3,889 |
| Net interest margin | 3.1777% | 2,260 |
| Noninterest income to average assets | 0.2361% | 3,763 |
| Noninterest expense to average assets | 1.4622% | 4,460 |
| Loan and lease loss provision to assets | 0.0746% | 1,288 |
| Net operating income to assets | 1.2883% | 1,172 |
| Return on assets (ROA) | 1.2627% | 1,228 |
| Pretax return on assets | 1.6859% | 779 |
| Return on Equity (ROE) | 13.1489% | 1,344 |
| Retained earnings to average equity (ytd only) | 6.8990% | 2,023 |
| Net charge-offs to loans | 0.0468% | 923 |
| Credit loss provision to net charge-offs | 227.1540% | 915 |
| Earnings coverage of net charge-offs (x) | 54.5953% | 1,121 |
| Efficiency ratio | 44.9201% | 4,495 |
| Assets per employee ($millions) | 12.2189% | 356 |
| Cash dividends to net income (ytd only)* | 47.5317% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,228 |
| Loan loss allowance to noncurrent loans | 340.6111% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 1,958 |
| Noncurrent loans to loans | 0.3791% | 2,003 |
| Net loans and leases to total assets | 70.4755% | 1,252 |
| Net loans and leases to deposits | 78.3381% | 1,515 |
| Net loans and leases to core deposits | 84.5499% | 1,418 |
| Total domestic deposits to total assets | 89.9632% | 1,721 |
| Equity capital to assets | 9.1617% | 2,271 |
| Core capital (leverage) ratio | 10.1160% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4863% | 1,870 |
| Memoranda: | ||
| Average total assets | $2,332,575,000 | 476 |
| Average earning assets | $2,216,019,667 | 461 |
| Average equity | $224,004,000 | 483 |
| Average total loans | $1,636,012,000 | 431 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2027% | 2,685 |
| Cost of funding earning assets | 0.0971% | 4,170 |
| Net interest margin | 3.1056% | 2,160 |
| Noninterest income to average assets | 0.2044% | 3,936 |
| Noninterest expense to average assets | 1.4436% | 4,487 |
| Loan and lease loss provision to assets | 0.0717% | 1,150 |
| Net operating income to assets | 1.2361% | 1,151 |
| Return on assets (ROA) | 1.2061% | 1,221 |
| Pretax return on assets | 1.6065% | 817 |
| Return on Equity (ROE) | 12.2792% | 1,234 |
| Retained earnings to average equity (ytd only) | 8.7957% | 1,330 |
| Net charge-offs to loans | -0.0047% | 3,323 |
| Credit loss provision to net charge-offs | -2,205.2632% | 3,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6874% | 4,505 |
| Assets per employee ($millions) | 12.3052% | 361 |
| Cash dividends to net income (ytd only)* | 28.3688% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,365 |
| Loan loss allowance to noncurrent loans | 279.0291% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 1,809 |
| Noncurrent loans to loans | 0.4658% | 1,859 |
| Net loans and leases to total assets | 69.0902% | 1,107 |
| Net loans and leases to deposits | 77.4343% | 1,332 |
| Net loans and leases to core deposits | 82.7098% | 1,315 |
| Total domestic deposits to total assets | 89.2243% | 1,961 |
| Equity capital to assets | 9.4777% | 2,303 |
| Core capital (leverage) ratio | 9.9314% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5569% | 1,969 |
| Memoranda: | ||
| Average total assets | $2,338,070,000 | 477 |
| Average earning assets | $2,224,894,000 | 466 |
| Average equity | $229,657,500 | 486 |
| Average total loans | $1,625,242,000 | 434 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5036% | 2,648 |
| Cost of funding earning assets | 0.1371% | 4,092 |
| Net interest margin | 3.3665% | 2,125 |
| Noninterest income to average assets | 0.2390% | 3,950 |
| Noninterest expense to average assets | 1.6693% | 4,338 |
| Loan and lease loss provision to assets | 0.0267% | 2,525 |
| Net operating income to assets | 1.3000% | 1,599 |
| Return on assets (ROA) | 1.3161% | 1,597 |
| Pretax return on assets | 1.7509% | 1,024 |
| Return on Equity (ROE) | 12.6949% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.1560% | 678 |
| Net charge-offs to loans | 0.0990% | 861 |
| Credit loss provision to net charge-offs | 36.7859% | 2,210 |
| Earnings coverage of net charge-offs (x) | 24.1990% | 1,755 |
| Efficiency ratio | 48.7176% | 4,369 |
| Assets per employee ($millions) | 12.5045% | 353 |
| Cash dividends to net income (ytd only)* | 12.1225% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 3,139 |
| Loan loss allowance to noncurrent loans | 225.4775% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 1,818 |
| Noncurrent loans to loans | 0.5088% | 1,849 |
| Net loans and leases to total assets | 68.2273% | 1,242 |
| Net loans and leases to deposits | 77.0596% | 1,483 |
| Net loans and leases to core deposits | 82.3066% | 1,443 |
| Total domestic deposits to total assets | 88.5383% | 1,771 |
| Equity capital to assets | 10.1710% | 2,501 |
| Core capital (leverage) ratio | 9.9530% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7479% | 1,949 |
| Memoranda: | ||
| Average total assets | $2,193,771,800 | 481 |
| Average earning assets | $2,077,143,400 | 474 |
| Average equity | $227,429,600 | 484 |
| Average total loans | $1,609,773,000 | 438 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5408% | 2,717 |
| Cost of funding earning assets | 0.1473% | 4,131 |
| Net interest margin | 3.3935% | 2,173 |
| Noninterest income to average assets | 0.2273% | 4,045 |
| Noninterest expense to average assets | 1.6736% | 4,364 |
| Loan and lease loss provision to assets | 0.0361% | 2,272 |
| Net operating income to assets | 1.2934% | 1,845 |
| Return on assets (ROA) | 1.3173% | 1,826 |
| Pretax return on assets | 1.7545% | 1,267 |
| Return on Equity (ROE) | 12.6427% | 1,820 |
| Retained earnings to average equity (ytd only) | 11.1622% | 1,020 |
| Net charge-offs to loans | 0.1184% | 663 |
| Credit loss provision to net charge-offs | 40.9504% | 1,915 |
| Earnings coverage of net charge-offs (x) | 19.9350% | 1,746 |
| Efficiency ratio | 48.7385% | 4,318 |
| Assets per employee ($millions) | 11.6193% | 417 |
| Cash dividends to net income (ytd only)* | 11.7102% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 3,122 |
| Loan loss allowance to noncurrent loans | 326.5776% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 2,182 |
| Noncurrent loans to loans | 0.3582% | 2,493 |
| Net loans and leases to total assets | 68.9250% | 1,200 |
| Net loans and leases to deposits | 78.1439% | 1,470 |
| Net loans and leases to core deposits | 83.7036% | 1,448 |
| Total domestic deposits to total assets | 88.2026% | 1,714 |
| Equity capital to assets | 10.1801% | 2,730 |
| Core capital (leverage) ratio | 10.1431% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7694% | 2,058 |
| Memoranda: | ||
| Average total assets | $2,160,754,500 | 492 |
| Average earning assets | $2,041,801,250 | 482 |
| Average equity | $225,146,750 | 489 |
| Average total loans | $1,610,897,500 | 440 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6326% | 2,522 |
| Cost of funding earning assets | 0.1528% | 4,185 |
| Net interest margin | 3.4799% | 1,915 |
| Noninterest income to average assets | 0.2302% | 4,021 |
| Noninterest expense to average assets | 1.7224% | 4,327 |
| Loan and lease loss provision to assets | 0.0552% | 1,928 |
| Net operating income to assets | 1.3028% | 1,858 |
| Return on assets (ROA) | 1.3411% | 1,818 |
| Pretax return on assets | 1.7861% | 1,266 |
| Return on Equity (ROE) | 12.7653% | 1,803 |
| Retained earnings to average equity (ytd only) | 12.7653% | 768 |
| Net charge-offs to loans | 0.1846% | 460 |
| Credit loss provision to net charge-offs | 39.2236% | 1,665 |
| Earnings coverage of net charge-offs (x) | 12.7316% | 1,710 |
| Efficiency ratio | 48.9985% | 4,324 |
| Assets per employee ($millions) | 11.6028% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,234 |
| Loan loss allowance to noncurrent loans | 124.9224% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 1,100 |
| Noncurrent loans to loans | 0.9144% | 1,354 |
| Net loans and leases to total assets | 73.0713% | 850 |
| Net loans and leases to deposits | 83.7803% | 1,080 |
| Net loans and leases to core deposits | 87.5795% | 1,302 |
| Total domestic deposits to total assets | 87.2177% | 2,210 |
| Equity capital to assets | 10.4954% | 2,394 |
| Core capital (leverage) ratio | 10.2509% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3197% | 2,243 |
| Memoranda: | ||
| Average total assets | $2,121,879,000 | 497 |
| Average earning assets | $2,003,114,667 | 489 |
| Average equity | $222,916,000 | 490 |
| Average total loans | $1,618,442,000 | 441 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7179% | 2,323 |
| Cost of funding earning assets | 0.1718% | 4,148 |
| Net interest margin | 3.5462% | 1,711 |
| Noninterest income to average assets | 0.2385% | 3,963 |
| Noninterest expense to average assets | 1.8331% | 4,144 |
| Loan and lease loss provision to assets | 0.0566% | 1,981 |
| Net operating income to assets | 1.2690% | 1,926 |
| Return on assets (ROA) | 1.3449% | 1,783 |
| Pretax return on assets | 1.7899% | 1,308 |
| Return on Equity (ROE) | 12.7955% | 1,729 |
| Retained earnings to average equity (ytd only) | 12.7955% | 960 |
| Net charge-offs to loans | 0.3619% | 234 |
| Credit loss provision to net charge-offs | 20.1640% | 1,421 |
| Earnings coverage of net charge-offs (x) | 6.2406% | 1,652 |
| Efficiency ratio | 51.1530% | 4,082 |
| Assets per employee ($millions) | 11.1878% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,305 |
| Loan loss allowance to noncurrent loans | 121.0530% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 1,096 |
| Noncurrent loans to loans | 0.9304% | 1,454 |
| Net loans and leases to total assets | 74.6071% | 765 |
| Net loans and leases to deposits | 85.2997% | 1,017 |
| Net loans and leases to core deposits | 89.6890% | 1,253 |
| Total domestic deposits to total assets | 87.4647% | 2,112 |
| Equity capital to assets | 10.3092% | 2,428 |
| Core capital (leverage) ratio | 10.1294% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1704% | 2,222 |
| Memoranda: | ||
| Average total assets | $2,086,352,000 | 500 |
| Average earning assets | $1,967,975,000 | 492 |
| Average equity | $219,295,000 | 491 |
| Average total loans | $1,617,203,000 | 450 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 2,842 |
| Cost of funding earning assets | 0.5083% | 2,901 |
| Net interest margin | 3.4562% | 2,612 |
| Noninterest income to average assets | 0.2281% | 4,135 |
| Noninterest expense to average assets | 1.8081% | 4,459 |
| Loan and lease loss provision to assets | 0.5419% | 411 |
| Net operating income to assets | 0.8785% | 2,790 |
| Return on assets (ROA) | 0.9379% | 2,675 |
| Pretax return on assets | 1.1983% | 2,331 |
| Return on Equity (ROE) | 9.1482% | 2,338 |
| Retained earnings to average equity (ytd only) | 0.7508% | 4,303 |
| Net charge-offs to loans | 0.1420% | 1,137 |
| Credit loss provision to net charge-offs | 482.4166% | 1,282 |
| Earnings coverage of net charge-offs (x) | 14.8224% | 2,193 |
| Efficiency ratio | 52.0611% | 4,377 |
| Assets per employee ($millions) | 10.7124% | 436 |
| Cash dividends to net income (ytd only)* | 91.7927% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,922 |
| Loan loss allowance to noncurrent loans | 98.6841% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.1257% | 804 |
| Noncurrent loans to loans | 1.2199% | 1,144 |
| Net loans and leases to total assets | 78.7358% | 521 |
| Net loans and leases to deposits | 90.6946% | 872 |
| Net loans and leases to core deposits | 94.5853% | 1,206 |
| Total domestic deposits to total assets | 86.8143% | 2,023 |
| Equity capital to assets | 10.7250% | 2,499 |
| Core capital (leverage) ratio | 9.9181% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9266% | 2,265 |
| Memoranda: | ||
| Average total assets | $1,974,560,400 | 482 |
| Average earning assets | $1,853,925,200 | 474 |
| Average equity | $202,443,800 | 498 |
| Average total loans | $1,561,701,600 | 431 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 2,987 |
| Cost of funding earning assets | 0.5605% | 2,866 |
| Net interest margin | 3.4349% | 2,796 |
| Noninterest income to average assets | 0.2232% | 4,158 |
| Noninterest expense to average assets | 1.8189% | 4,460 |
| Loan and lease loss provision to assets | 0.6863% | 315 |
| Net operating income to assets | 0.7578% | 3,255 |
| Return on assets (ROA) | 0.8011% | 3,205 |
| Pretax return on assets | 0.9925% | 3,097 |
| Return on Equity (ROE) | 7.9071% | 2,839 |
| Retained earnings to average equity (ytd only) | -3.4961% | 4,795 |
| Net charge-offs to loans | 0.1905% | 788 |
| Credit loss provision to net charge-offs | 456.3940% | 1,353 |
| Earnings coverage of net charge-offs (x) | 10.8093% | 2,336 |
| Efficiency ratio | 52.8074% | 4,270 |
| Assets per employee ($millions) | 11.2982% | 365 |
| Cash dividends to net income (ytd only)* | 144.2145% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 2,895 |
| Loan loss allowance to noncurrent loans | 88.8538% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 865 |
| Noncurrent loans to loans | 1.3033% | 1,135 |
| Net loans and leases to total assets | 75.2636% | 1,196 |
| Net loans and leases to deposits | 90.1370% | 1,245 |
| Net loans and leases to core deposits | 95.3299% | 1,521 |
| Total domestic deposits to total assets | 83.4992% | 2,989 |
| Equity capital to assets | 9.3956% | 3,770 |
| Core capital (leverage) ratio | 9.5170% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8094% | 2,681 |
| Memoranda: | ||
| Average total assets | $1,962,040,000 | 477 |
| Average earning assets | $1,840,026,750 | 464 |
| Average equity | $198,769,000 | 501 |
| Average total loans | $1,548,741,250 | 432 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 2,818 |
| Cost of funding earning assets | 0.6385% | 2,765 |
| Net interest margin | 3.5440% | 2,655 |
| Noninterest income to average assets | 0.2299% | 4,111 |
| Noninterest expense to average assets | 1.8721% | 4,459 |
| Loan and lease loss provision to assets | 0.7982% | 308 |
| Net operating income to assets | 0.7385% | 3,248 |
| Return on assets (ROA) | 0.7876% | 3,196 |
| Pretax return on assets | 0.9386% | 3,205 |
| Return on Equity (ROE) | 7.5691% | 2,910 |
| Retained earnings to average equity (ytd only) | -7.5711% | 4,865 |
| Net charge-offs to loans | 0.2919% | 546 |
| Credit loss provision to net charge-offs | 341.8803% | 1,533 |
| Earnings coverage of net charge-offs (x) | 7.1889% | 2,388 |
| Efficiency ratio | 52.7273% | 4,300 |
| Assets per employee ($millions) | 10.7824% | 407 |
| Cash dividends to net income (ytd only)* | 200.0267% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,534 |
| Loan loss allowance to noncurrent loans | 68.1719% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 776 |
| Noncurrent loans to loans | 1.4772% | 1,028 |
| Net loans and leases to total assets | 76.6899% | 1,045 |
| Net loans and leases to deposits | 95.8922% | 804 |
| Net loans and leases to core deposits | 100.8271% | 1,197 |
| Total domestic deposits to total assets | 79.9752% | 3,838 |
| Equity capital to assets | 9.4704% | 3,683 |
| Core capital (leverage) ratio | 9.5956% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7443% | 2,717 |
| Memoranda: | ||
| Average total assets | $1,904,265,333 | 481 |
| Average earning assets | $1,784,232,000 | 472 |
| Average equity | $198,148,333 | 499 |
| Average total loans | $1,522,994,667 | 428 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 2,695 |
| Cost of funding earning assets | 0.7978% | 2,411 |
| Net interest margin | 3.5804% | 2,737 |
| Noninterest income to average assets | 0.2715% | 3,910 |
| Noninterest expense to average assets | 2.0001% | 4,392 |
| Loan and lease loss provision to assets | 0.9058% | 254 |
| Net operating income to assets | 0.6845% | 3,324 |
| Return on assets (ROA) | 0.7702% | 3,090 |
| Pretax return on assets | 0.8022% | 3,408 |
| Return on Equity (ROE) | 7.0363% | 2,933 |
| Retained earnings to average equity (ytd only) | -21.2219% | 4,981 |
| Net charge-offs to loans | -0.0052% | 3,877 |
| Credit loss provision to net charge-offs | -21,578.9474% | 4,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2686% | 4,284 |
| Assets per employee ($millions) | 9.3116% | 476 |
| Cash dividends to net income (ytd only)* | 401.6064% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,653 |
| Loan loss allowance to noncurrent loans | 86.4581% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 901 |
| Noncurrent loans to loans | 1.1674% | 1,414 |
| Net loans and leases to total assets | 80.9381% | 572 |
| Net loans and leases to deposits | 97.4523% | 782 |
| Net loans and leases to core deposits | 103.5398% | 1,214 |
| Total domestic deposits to total assets | 83.0541% | 3,094 |
| Equity capital to assets | 10.6155% | 3,218 |
| Core capital (leverage) ratio | 10.0140% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5829% | 2,898 |
| Memoranda: | ||
| Average total assets | $1,810,510,000 | 487 |
| Average earning assets | $1,692,683,000 | 479 |
| Average equity | $198,172,500 | 498 |
| Average total loans | $1,474,242,000 | 428 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 2,981 |
| Cost of funding earning assets | 1.0364% | 1,578 |
| Net interest margin | 3.4536% | 3,580 |
| Noninterest income to average assets | 0.2488% | 4,188 |
| Noninterest expense to average assets | 1.9215% | 4,638 |
| Loan and lease loss provision to assets | 0.1210% | 1,752 |
| Net operating income to assets | 1.0452% | 2,675 |
| Return on assets (ROA) | 1.0614% | 2,704 |
| Pretax return on assets | 1.4374% | 2,024 |
| Return on Equity (ROE) | 9.5962% | 2,480 |
| Retained earnings to average equity (ytd only) | 7.2850% | 1,263 |
| Net charge-offs to loans | 0.1551% | 1,292 |
| Credit loss provision to net charge-offs | 98.4288% | 2,528 |
| Earnings coverage of net charge-offs (x) | 12.5106% | 2,411 |
| Efficiency ratio | 55.5430% | 4,263 |
| Assets per employee ($millions) | 9.2575% | 458 |
| Cash dividends to net income (ytd only)* | 24.0848% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 4,453 |
| Loan loss allowance to noncurrent loans | 57.8360% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.4862% | 685 |
| Noncurrent loans to loans | 1.2992% | 1,162 |
| Net loans and leases to total assets | 80.4757% | 727 |
| Net loans and leases to deposits | 94.7205% | 1,083 |
| Net loans and leases to core deposits | 102.3842% | 1,372 |
| Total domestic deposits to total assets | 84.9613% | 2,508 |
| Equity capital to assets | 11.2812% | 2,729 |
| Core capital (leverage) ratio | 10.5944% | 2,861 |
| Tier 1 risk-based capital ratio | 12.5256% | 4,055 |
| Total risk-based capital ratio | 13.2551% | 4,233 |
| Memoranda: | ||
| Average total assets | $1,760,326,800 | 486 |
| Average earning assets | $1,636,517,000 | 472 |
| Average equity | $194,701,400 | 485 |
| Average total loans | $1,394,946,600 | 428 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4572% | 3,186 |
| Cost of funding earning assets | 1.0524% | 1,529 |
| Net interest margin | 3.4048% | 3,856 |
| Noninterest income to average assets | 0.2431% | 4,279 |
| Noninterest expense to average assets | 1.8969% | 4,703 |
| Loan and lease loss provision to assets | 0.1009% | 1,903 |
| Net operating income to assets | 1.0419% | 2,810 |
| Return on assets (ROA) | 1.0512% | 2,872 |
| Pretax return on assets | 1.4195% | 2,234 |
| Return on Equity (ROE) | 9.5532% | 2,647 |
| Retained earnings to average equity (ytd only) | 7.1319% | 1,798 |
| Net charge-offs to loans | 0.1014% | 1,458 |
| Credit loss provision to net charge-offs | 126.3108% | 1,868 |
| Earnings coverage of net charge-offs (x) | 18.8894% | 2,030 |
| Efficiency ratio | 55.7029% | 4,192 |
| Assets per employee ($millions) | 9.3652% | 426 |
| Cash dividends to net income (ytd only)* | 25.3458% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 4,421 |
| Loan loss allowance to noncurrent loans | 69.4954% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.4229% | 803 |
| Noncurrent loans to loans | 1.1424% | 1,388 |
| Net loans and leases to total assets | 75.8227% | 1,518 |
| Net loans and leases to deposits | 89.9378% | 1,702 |
| Net loans and leases to core deposits | 99.4520% | 1,702 |
| Total domestic deposits to total assets | 84.3057% | 2,711 |
| Equity capital to assets | 10.7284% | 3,354 |
| Core capital (leverage) ratio | 10.6254% | 2,992 |
| Tier 1 risk-based capital ratio | 12.4950% | 4,147 |
| Total risk-based capital ratio | 13.2595% | 4,301 |
| Memoranda: | ||
| Average total assets | $1,751,421,000 | 485 |
| Average earning assets | $1,626,610,250 | 474 |
| Average equity | $192,725,750 | 491 |
| Average total loans | $1,379,621,750 | 432 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 2,977 |
| Cost of funding earning assets | 1.0781% | 1,386 |
| Net interest margin | 3.4352% | 3,785 |
| Noninterest income to average assets | 0.2427% | 4,300 |
| Noninterest expense to average assets | 1.8951% | 4,758 |
| Loan and lease loss provision to assets | 0.1019% | 1,834 |
| Net operating income to assets | 1.0694% | 2,654 |
| Return on assets (ROA) | 1.0805% | 2,668 |
| Pretax return on assets | 1.4535% | 2,015 |
| Return on Equity (ROE) | 9.7317% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.1582% | 1,329 |
| Net charge-offs to loans | 0.1365% | 1,106 |
| Credit loss provision to net charge-offs | 93.7835% | 2,088 |
| Earnings coverage of net charge-offs (x) | 14.1833% | 2,053 |
| Efficiency ratio | 55.1485% | 4,351 |
| Assets per employee ($millions) | 8.9955% | 464 |
| Cash dividends to net income (ytd only)* | 16.1690% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 4,486 |
| Loan loss allowance to noncurrent loans | 82.1644% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 921 |
| Noncurrent loans to loans | 0.9569% | 1,705 |
| Net loans and leases to total assets | 78.5405% | 1,116 |
| Net loans and leases to deposits | 92.0523% | 1,484 |
| Net loans and leases to core deposits | 103.1259% | 1,459 |
| Total domestic deposits to total assets | 85.3215% | 2,333 |
| Equity capital to assets | 11.1587% | 2,899 |
| Core capital (leverage) ratio | 10.6688% | 2,915 |
| Tier 1 risk-based capital ratio | 12.6242% | 4,062 |
| Total risk-based capital ratio | 13.3847% | 4,229 |
| Memoranda: | ||
| Average total assets | $1,717,126,330 | 491 |
| Average earning assets | $1,596,392,000 | 479 |
| Average equity | $190,655,000 | 491 |
| Average total loans | $1,367,083,670 | 438 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 2,840 |
| Cost of funding earning assets | 1.0762% | 1,271 |
| Net interest margin | 3.4313% | 3,806 |
| Noninterest income to average assets | 0.2329% | 4,345 |
| Noninterest expense to average assets | 1.8436% | 4,871 |
| Loan and lease loss provision to assets | 0.1177% | 1,493 |
| Net operating income to assets | 1.0994% | 2,471 |
| Return on assets (ROA) | 1.1098% | 2,480 |
| Pretax return on assets | 1.4779% | 1,844 |
| Return on Equity (ROE) | 10.0216% | 2,362 |
| Retained earnings to average equity (ytd only) | 10.0216% | 1,029 |
| Net charge-offs to loans | 0.1858% | 748 |
| Credit loss provision to net charge-offs | 79.3651% | 1,786 |
| Earnings coverage of net charge-offs (x) | 10.6667% | 1,949 |
| Efficiency ratio | 53.8113% | 4,548 |
| Assets per employee ($millions) | 8.9052% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 4,540 |
| Loan loss allowance to noncurrent loans | 78.5089% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.4484% | 847 |
| Noncurrent loans to loans | 1.0125% | 1,648 |
| Net loans and leases to total assets | 79.1689% | 968 |
| Net loans and leases to deposits | 93.9263% | 1,187 |
| Net loans and leases to core deposits | 108.7282% | 1,005 |
| Total domestic deposits to total assets | 84.2882% | 2,953 |
| Equity capital to assets | 11.1800% | 2,678 |
| Core capital (leverage) ratio | 10.6101% | 2,935 |
| Tier 1 risk-based capital ratio | 12.6768% | 4,055 |
| Total risk-based capital ratio | 13.4490% | 4,225 |
| Memoranda: | ||
| Average total assets | $1,698,632,000 | 499 |
| Average earning assets | $1,580,746,500 | 487 |
| Average equity | $188,114,500 | 493 |
| Average total loans | $1,356,321,500 | 439 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 2,700 |
| Cost of funding earning assets | 0.8391% | 1,348 |
| Net interest margin | 3.5808% | 3,448 |
| Noninterest income to average assets | 0.2638% | 4,350 |
| Noninterest expense to average assets | 2.2306% | 4,274 |
| Loan and lease loss provision to assets | 0.0887% | 2,370 |
| Net operating income to assets | 0.9440% | 3,268 |
| Return on assets (ROA) | 0.9400% | 3,277 |
| Pretax return on assets | 1.2716% | 2,610 |
| Return on Equity (ROE) | 8.6544% | 3,159 |
| Retained earnings to average equity (ytd only) | 5.1664% | 2,683 |
| Net charge-offs to loans | 0.0740% | 2,061 |
| Credit loss provision to net charge-offs | 148.8347% | 1,849 |
| Earnings coverage of net charge-offs (x) | 22.9089% | 1,877 |
| Efficiency ratio | 62.0297% | 3,519 |
| Assets per employee ($millions) | 8.9284% | 482 |
| Cash dividends to net income (ytd only)* | 40.3036% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 4,487 |
| Loan loss allowance to noncurrent loans | 56.9265% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.6233% | 691 |
| Noncurrent loans to loans | 1.4302% | 1,090 |
| Net loans and leases to total assets | 79.2427% | 1,058 |
| Net loans and leases to deposits | 93.2574% | 1,366 |
| Net loans and leases to core deposits | 105.3703% | 1,313 |
| Total domestic deposits to total assets | 84.9720% | 2,656 |
| Equity capital to assets | 10.9675% | 2,721 |
| Core capital (leverage) ratio | 10.6594% | 2,880 |
| Tier 1 risk-based capital ratio | 12.5846% | 4,081 |
| Total risk-based capital ratio | 13.3819% | 4,224 |
| Memoranda: | ||
| Average total assets | $1,583,807,200 | 520 |
| Average earning assets | $1,473,905,000 | 509 |
| Average equity | $172,015,600 | 508 |
| Average total loans | $1,276,122,200 | 454 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 2,542 |
| Cost of funding earning assets | 0.7917% | 1,381 |
| Net interest margin | 3.6348% | 3,251 |
| Noninterest income to average assets | 0.2657% | 4,373 |
| Noninterest expense to average assets | 2.3663% | 3,936 |
| Loan and lease loss provision to assets | 0.0804% | 2,345 |
| Net operating income to assets | 0.8849% | 3,602 |
| Return on assets (ROA) | 0.8791% | 3,632 |
| Pretax return on assets | 1.1924% | 3,014 |
| Return on Equity (ROE) | 8.1159% | 3,505 |
| Retained earnings to average equity (ytd only) | 4.1654% | 3,692 |
| Net charge-offs to loans | 0.0759% | 1,767 |
| Credit loss provision to net charge-offs | 131.2849% | 1,877 |
| Earnings coverage of net charge-offs (x) | 20.8911% | 1,937 |
| Efficiency ratio | 64.8931% | 3,047 |
| Assets per employee ($millions) | 8.8062% | 474 |
| Cash dividends to net income (ytd only)* | 48.6760% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 4,549 |
| Loan loss allowance to noncurrent loans | 65.6699% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.4679% | 889 |
| Noncurrent loans to loans | 1.2495% | 1,347 |
| Net loans and leases to total assets | 77.5779% | 1,402 |
| Net loans and leases to deposits | 89.2158% | 1,996 |
| Net loans and leases to core deposits | 100.7484% | 1,717 |
| Total domestic deposits to total assets | 86.9553% | 1,752 |
| Equity capital to assets | 10.7951% | 2,848 |
| Core capital (leverage) ratio | 10.6928% | 2,891 |
| Tier 1 risk-based capital ratio | 12.5745% | 4,171 |
| Total risk-based capital ratio | 13.3708% | 4,324 |
| Memoranda: | ||
| Average total assets | $1,557,892,000 | 523 |
| Average earning assets | $1,449,034,000 | 514 |
| Average equity | $168,751,250 | 512 |
| Average total loans | $1,258,110,000 | 456 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 2,184 |
| Cost of funding earning assets | 0.7611% | 1,324 |
| Net interest margin | 3.7082% | 2,893 |
| Noninterest income to average assets | 0.2722% | 4,369 |
| Noninterest expense to average assets | 2.6042% | 3,312 |
| Loan and lease loss provision to assets | 0.1185% | 1,672 |
| Net operating income to assets | 0.7386% | 4,073 |
| Return on assets (ROA) | 0.7305% | 4,101 |
| Pretax return on assets | 0.9882% | 3,700 |
| Return on Equity (ROE) | 6.7357% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.0948% | 4,013 |
| Net charge-offs to loans | 0.1112% | 1,264 |
| Credit loss provision to net charge-offs | 130.4348% | 1,718 |
| Earnings coverage of net charge-offs (x) | 12.2986% | 2,215 |
| Efficiency ratio | 69.9834% | 2,314 |
| Assets per employee ($millions) | 8.1200% | 605 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 4,604 |
| Loan loss allowance to noncurrent loans | 73.9808% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.4401% | 939 |
| Noncurrent loans to loans | 1.1224% | 1,566 |
| Net loans and leases to total assets | 80.8926% | 876 |
| Net loans and leases to deposits | 96.5647% | 1,091 |
| Net loans and leases to core deposits | 112.8654% | 846 |
| Total domestic deposits to total assets | 83.7703% | 3,142 |
| Equity capital to assets | 11.2648% | 2,392 |
| Core capital (leverage) ratio | 10.7025% | 2,805 |
| Tier 1 risk-based capital ratio | 12.7002% | 4,061 |
| Total risk-based capital ratio | 13.5166% | 4,205 |
| Memoranda: | ||
| Average total assets | $1,519,462,670 | 532 |
| Average earning assets | $1,413,236,330 | 523 |
| Average equity | $164,794,670 | 522 |
| Average total loans | $1,241,227,670 | 463 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5803% | 1,630 |
| Cost of funding earning assets | 0.7301% | 1,290 |
| Net interest margin | 3.8503% | 2,227 |
| Noninterest income to average assets | 0.2861% | 4,259 |
| Noninterest expense to average assets | 2.8728% | 2,460 |
| Loan and lease loss provision to assets | 0.1345% | 1,404 |
| Net operating income to assets | 0.6403% | 4,312 |
| Return on assets (ROA) | 0.6403% | 4,324 |
| Pretax return on assets | 0.8640% | 3,966 |
| Return on Equity (ROE) | 6.0275% | 4,146 |
| Retained earnings to average equity (ytd only) | 2.2303% | 4,276 |
| Net charge-offs to loans | 0.1789% | 815 |
| Credit loss provision to net charge-offs | 91.9118% | 1,657 |
| Earnings coverage of net charge-offs (x) | 6.8254% | 2,134 |
| Efficiency ratio | 74.2081% | 1,870 |
| Assets per employee ($millions) | 7.8694% | 649 |
| Cash dividends to net income (ytd only)* | 62.9987% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 4,739 |
| Loan loss allowance to noncurrent loans | 123.9905% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.1308% | 1,368 |
| Noncurrent loans to loans | 0.6593% | 2,574 |
| Net loans and leases to total assets | 80.7157% | 829 |
| Net loans and leases to deposits | 98.6512% | 816 |
| Net loans and leases to core deposits | 135.5382% | 265 |
| Total domestic deposits to total assets | 81.8192% | 4,010 |
| Equity capital to assets | 11.2442% | 2,355 |
| Core capital (leverage) ratio | 10.5977% | 2,853 |
| Tier 1 risk-based capital ratio | 12.7370% | 4,097 |
| Total risk-based capital ratio | 13.5437% | 4,276 |
| Memoranda: | ||
| Average total assets | $1,487,492,500 | 545 |
| Average earning assets | $1,385,052,500 | 532 |
| Average equity | $158,008,500 | 546 |
| Average total loans | $1,216,051,000 | 472 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,802 |
| Cost of funding earning assets | 0.6520% | 1,283 |
| Net interest margin | 3.5185% | 3,470 |
| Noninterest income to average assets | 0.2816% | 4,445 |
| Noninterest expense to average assets | 1.9733% | 5,006 |
| Loan and lease loss provision to assets | 0.0735% | 2,741 |
| Net operating income to assets | 0.7479% | 3,399 |
| Return on assets (ROA) | 0.7560% | 3,402 |
| Pretax return on assets | 1.5373% | 1,498 |
| Return on Equity (ROE) | 7.5134% | 3,028 |
| Retained earnings to average equity (ytd only) | 2.0920% | 4,069 |
| Net charge-offs to loans | 0.0314% | 3,168 |
| Credit loss provision to net charge-offs | 285.3107% | 984 |
| Earnings coverage of net charge-offs (x) | 62.0593% | 933 |
| Efficiency ratio | 55.2548% | 4,839 |
| Assets per employee ($millions) | 8.4915% | 534 |
| Cash dividends to net income (ytd only)* | 72.1570% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 4,401 |
| Loan loss allowance to noncurrent loans | 224.1049% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 1,541 |
| Noncurrent loans to loans | 0.4076% | 3,305 |
| Net loans and leases to total assets | 81.4178% | 755 |
| Net loans and leases to deposits | 102.8578% | 557 |
| Net loans and leases to core deposits | 155.2854% | 109 |
| Total domestic deposits to total assets | 79.1557% | 4,508 |
| Equity capital to assets | 9.9241% | 3,785 |
| Core capital (leverage) ratio | 10.0172% | 3,436 |
| Tier 1 risk-based capital ratio | 12.0261% | 4,510 |
| Total risk-based capital ratio | 12.9316% | 4,619 |
| Memoranda: | ||
| Average total assets | $1,374,787,400 | 559 |
| Average earning assets | $1,285,377,800 | 548 |
| Average equity | $138,339,000 | 591 |
| Average total loans | $1,128,963,200 | 483 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 2,714 |
| Cost of funding earning assets | 0.6256% | 1,379 |
| Net interest margin | 3.5446% | 3,333 |
| Noninterest income to average assets | 0.2882% | 4,466 |
| Noninterest expense to average assets | 1.9747% | 5,009 |
| Loan and lease loss provision to assets | 0.0955% | 2,189 |
| Net operating income to assets | 0.9554% | 2,742 |
| Return on assets (ROA) | 0.9637% | 2,770 |
| Pretax return on assets | 1.5434% | 1,605 |
| Return on Equity (ROE) | 9.5431% | 2,329 |
| Retained earnings to average equity (ytd only) | 3.7530% | 3,688 |
| Net charge-offs to loans | 0.0479% | 2,479 |
| Credit loss provision to net charge-offs | 242.5743% | 1,159 |
| Earnings coverage of net charge-offs (x) | 41.2997% | 1,269 |
| Efficiency ratio | 54.8432% | 4,867 |
| Assets per employee ($millions) | 8.2752% | 570 |
| Cash dividends to net income (ytd only)* | 60.6735% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 4,527 |
| Loan loss allowance to noncurrent loans | 346.4475% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 1,871 |
| Noncurrent loans to loans | 0.2627% | 4,023 |
| Net loans and leases to total assets | 81.2375% | 801 |
| Net loans and leases to deposits | 103.1863% | 541 |
| Net loans and leases to core deposits | 161.2301% | 81 |
| Total domestic deposits to total assets | 78.7290% | 4,585 |
| Equity capital to assets | 10.0382% | 3,870 |
| Core capital (leverage) ratio | 10.0964% | 3,447 |
| Tier 1 risk-based capital ratio | 12.4463% | 4,351 |
| Total risk-based capital ratio | 13.3706% | 4,431 |
| Memoranda: | ||
| Average total assets | $1,368,210,000 | 563 |
| Average earning assets | $1,278,607,250 | 551 |
| Average equity | $138,162,250 | 594 |
| Average total loans | $1,123,389,750 | 485 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 2,693 |
| Cost of funding earning assets | 0.5956% | 1,478 |
| Net interest margin | 3.5495% | 3,214 |
| Noninterest income to average assets | 0.2645% | 4,647 |
| Noninterest expense to average assets | 1.9988% | 4,983 |
| Loan and lease loss provision to assets | 0.1112% | 1,839 |
| Net operating income to assets | 0.9208% | 2,803 |
| Return on assets (ROA) | 0.9334% | 2,809 |
| Pretax return on assets | 1.4925% | 1,676 |
| Return on Equity (ROE) | 9.2242% | 2,402 |
| Retained earnings to average equity (ytd only) | 2.6750% | 4,099 |
| Net charge-offs to loans | 0.0323% | 2,553 |
| Credit loss provision to net charge-offs | 419.4444% | 756 |
| Earnings coverage of net charge-offs (x) | 59.7611% | 952 |
| Efficiency ratio | 55.7871% | 4,853 |
| Assets per employee ($millions) | 8.4202% | 523 |
| Cash dividends to net income (ytd only)* | 71.0003% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 4,584 |
| Loan loss allowance to noncurrent loans | 234.8942% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 1,794 |
| Noncurrent loans to loans | 0.3886% | 3,630 |
| Net loans and leases to total assets | 81.5178% | 741 |
| Net loans and leases to deposits | 103.7196% | 508 |
| Net loans and leases to core deposits | 165.1515% | 80 |
| Total domestic deposits to total assets | 78.5944% | 4,710 |
| Equity capital to assets | 9.9606% | 3,957 |
| Core capital (leverage) ratio | 10.1097% | 3,391 |
| Tier 1 risk-based capital ratio | 12.3126% | 4,418 |
| Total risk-based capital ratio | 13.2394% | 4,526 |
| Memoranda: | ||
| Average total assets | $1,358,109,330 | 566 |
| Average earning assets | $1,269,698,670 | 556 |
| Average equity | $137,421,000 | 593 |
| Average total loans | $1,115,669,330 | 485 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 2,580 |
| Cost of funding earning assets | 0.5670% | 1,606 |
| Net interest margin | 3.5533% | 3,072 |
| Noninterest income to average assets | 0.2550% | 4,714 |
| Noninterest expense to average assets | 2.0258% | 4,994 |
| Loan and lease loss provision to assets | 0.1132% | 1,690 |
| Net operating income to assets | 0.9040% | 2,738 |
| Return on assets (ROA) | 0.9040% | 2,795 |
| Pretax return on assets | 1.4415% | 1,726 |
| Return on Equity (ROE) | 8.8623% | 2,480 |
| Retained earnings to average equity (ytd only) | 4.4808% | 3,180 |
| Net charge-offs to loans | 0.0472% | 1,909 |
| Credit loss provision to net charge-offs | 292.3077% | 801 |
| Earnings coverage of net charge-offs (x) | 40.1385% | 1,037 |
| Efficiency ratio | 56.5782% | 4,877 |
| Assets per employee ($millions) | 8.2008% | 569 |
| Cash dividends to net income (ytd only)* | 49.4397% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 4,731 |
| Loan loss allowance to noncurrent loans | 129.1060% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 1,662 |
| Noncurrent loans to loans | 0.7025% | 2,735 |
| Net loans and leases to total assets | 81.6227% | 611 |
| Net loans and leases to deposits | 104.8184% | 366 |
| Net loans and leases to core deposits | 156.0279% | 89 |
| Total domestic deposits to total assets | 77.8706% | 4,983 |
| Equity capital to assets | 10.1815% | 3,528 |
| Core capital (leverage) ratio | 10.3616% | 3,042 |
| Tier 1 risk-based capital ratio | 12.4446% | 4,417 |
| Total risk-based capital ratio | 13.3543% | 4,544 |
| Memoranda: | ||
| Average total assets | $1,342,501,000 | 576 |
| Average earning assets | $1,256,409,500 | 565 |
| Average equity | $136,939,000 | 592 |
| Average total loans | $1,102,013,000 | 489 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 2,465 |
| Cost of funding earning assets | 0.5556% | 1,636 |
| Net interest margin | 3.6511% | 2,883 |
| Noninterest income to average assets | 0.2586% | 4,876 |
| Noninterest expense to average assets | 2.1966% | 4,780 |
| Loan and lease loss provision to assets | 0.1916% | 1,224 |
| Net operating income to assets | 0.8019% | 3,296 |
| Return on assets (ROA) | 0.8035% | 3,391 |
| Pretax return on assets | 1.2695% | 2,404 |
| Return on Equity (ROE) | 7.3873% | 3,276 |
| Retained earnings to average equity (ytd only) | 3.2812% | 3,577 |
| Net charge-offs to loans | 0.1039% | 2,232 |
| Credit loss provision to net charge-offs | 226.7051% | 1,264 |
| Earnings coverage of net charge-offs (x) | 17.2546% | 2,060 |
| Efficiency ratio | 60.0951% | 4,570 |
| Assets per employee ($millions) | 8.0233% | 605 |
| Cash dividends to net income (ytd only)* | 55.5836% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,769 |
| Loan loss allowance to noncurrent loans | 117.5229% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.2127% | 1,483 |
| Noncurrent loans to loans | 0.7700% | 2,604 |
| Net loans and leases to total assets | 81.0586% | 733 |
| Net loans and leases to deposits | 103.6884% | 440 |
| Net loans and leases to core deposits | 156.6418% | 92 |
| Total domestic deposits to total assets | 78.1752% | 4,950 |
| Equity capital to assets | 10.2194% | 3,471 |
| Core capital (leverage) ratio | 10.5563% | 2,824 |
| Tier 1 risk-based capital ratio | 12.4339% | 4,419 |
| Total risk-based capital ratio | 13.3285% | 4,555 |
| Memoranda: | ||
| Average total assets | $1,231,469,600 | 600 |
| Average earning assets | $1,145,599,600 | 587 |
| Average equity | $133,946,200 | 593 |
| Average total loans | $1,001,495,600 | 511 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2309% | 2,411 |
| Cost of funding earning assets | 0.5584% | 1,621 |
| Net interest margin | 3.6726% | 2,820 |
| Noninterest income to average assets | 0.2562% | 4,929 |
| Noninterest expense to average assets | 2.2470% | 4,654 |
| Loan and lease loss provision to assets | 0.1868% | 1,170 |
| Net operating income to assets | 0.7917% | 3,406 |
| Return on assets (ROA) | 0.7944% | 3,534 |
| Pretax return on assets | 1.2396% | 2,658 |
| Return on Equity (ROE) | 7.1839% | 3,458 |
| Retained earnings to average equity (ytd only) | 1.6870% | 4,833 |
| Net charge-offs to loans | 0.0772% | 2,220 |
| Credit loss provision to net charge-offs | 298.0600% | 1,044 |
| Earnings coverage of net charge-offs (x) | 22.6949% | 1,744 |
| Efficiency ratio | 61.2398% | 4,345 |
| Assets per employee ($millions) | 7.8997% | 612 |
| Cash dividends to net income (ytd only)* | 76.5164% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 4,812 |
| Loan loss allowance to noncurrent loans | 114.1794% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3348% | 1,414 |
| Noncurrent loans to loans | 0.8048% | 2,653 |
| Net loans and leases to total assets | 81.4149% | 701 |
| Net loans and leases to deposits | 102.7465% | 522 |
| Net loans and leases to core deposits | 148.1024% | 133 |
| Total domestic deposits to total assets | 79.2387% | 4,665 |
| Equity capital to assets | 10.5016% | 3,565 |
| Core capital (leverage) ratio | 10.7088% | 2,778 |
| Tier 1 risk-based capital ratio | 12.6251% | 4,389 |
| Total risk-based capital ratio | 13.5334% | 4,519 |
| Memoranda: | ||
| Average total assets | $1,206,370,000 | 612 |
| Average earning assets | $1,121,117,250 | 599 |
| Average equity | $133,405,500 | 599 |
| Average total loans | $979,506,250 | 520 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 2,315 |
| Cost of funding earning assets | 0.5584% | 1,635 |
| Net interest margin | 3.6963% | 2,709 |
| Noninterest income to average assets | 0.2511% | 4,976 |
| Noninterest expense to average assets | 2.2782% | 4,666 |
| Loan and lease loss provision to assets | 0.1677% | 1,332 |
| Net operating income to assets | 0.7806% | 3,399 |
| Return on assets (ROA) | 0.7848% | 3,531 |
| Pretax return on assets | 1.2438% | 2,624 |
| Return on Equity (ROE) | 6.9705% | 3,563 |
| Retained earnings to average equity (ytd only) | 1.7103% | 4,705 |
| Net charge-offs to loans | 0.0890% | 1,955 |
| Credit loss provision to net charge-offs | 233.1765% | 1,167 |
| Earnings coverage of net charge-offs (x) | 19.5341% | 1,769 |
| Efficiency ratio | 61.8562% | 4,367 |
| Assets per employee ($millions) | 7.6425% | 659 |
| Cash dividends to net income (ytd only)* | 75.4636% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 4,936 |
| Loan loss allowance to noncurrent loans | 89.0649% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.5186% | 1,255 |
| Noncurrent loans to loans | 1.0177% | 2,252 |
| Net loans and leases to total assets | 80.9074% | 770 |
| Net loans and leases to deposits | 100.2938% | 675 |
| Net loans and leases to core deposits | 149.3471% | 128 |
| Total domestic deposits to total assets | 80.6704% | 4,370 |
| Equity capital to assets | 10.8743% | 3,199 |
| Core capital (leverage) ratio | 11.0653% | 2,369 |
| Tier 1 risk-based capital ratio | 13.1222% | 4,120 |
| Total risk-based capital ratio | 14.0156% | 4,248 |
| Memoranda: | ||
| Average total assets | $1,181,908,670 | 616 |
| Average earning assets | $1,097,356,670 | 605 |
| Average equity | $133,075,670 | 603 |
| Average total loans | $955,483,670 | 528 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 2,376 |
| Cost of funding earning assets | 0.5515% | 1,695 |
| Net interest margin | 3.6781% | 2,764 |
| Noninterest income to average assets | 0.2833% | 4,689 |
| Noninterest expense to average assets | 2.3379% | 4,556 |
| Loan and lease loss provision to assets | 0.1479% | 1,431 |
| Net operating income to assets | 0.7640% | 3,421 |
| Return on assets (ROA) | 0.7640% | 3,530 |
| Pretax return on assets | 1.2059% | 2,677 |
| Return on Equity (ROE) | 6.6640% | 3,635 |
| Retained earnings to average equity (ytd only) | 0.6360% | 4,960 |
| Net charge-offs to loans | 0.1620% | 1,162 |
| Credit loss provision to net charge-offs | 113.5279% | 1,488 |
| Earnings coverage of net charge-offs (x) | 10.3926% | 1,925 |
| Efficiency ratio | 63.3283% | 4,251 |
| Assets per employee ($millions) | 7.0736% | 863 |
| Cash dividends to net income (ytd only)* | 90.4568% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 5,027 |
| Loan loss allowance to noncurrent loans | 82.6614% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.8251% | 1,007 |
| Noncurrent loans to loans | 1.1008% | 2,200 |
| Net loans and leases to total assets | 79.6696% | 864 |
| Net loans and leases to deposits | 98.4529% | 724 |
| Net loans and leases to core deposits | 139.5567% | 172 |
| Total domestic deposits to total assets | 80.9216% | 4,515 |
| Equity capital to assets | 11.3142% | 2,609 |
| Core capital (leverage) ratio | 11.5161% | 1,960 |
| Tier 1 risk-based capital ratio | 13.1404% | 4,168 |
| Total risk-based capital ratio | 13.9900% | 4,340 |
| Memoranda: | ||
| Average total assets | $1,157,644,000 | 631 |
| Average earning assets | $1,072,731,000 | 620 |
| Average equity | $132,712,500 | 598 |
| Average total loans | $930,915,000 | 538 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,274 |
| Cost of funding earning assets | 0.5647% | 1,635 |
| Net interest margin | 3.7175% | 2,685 |
| Noninterest income to average assets | 0.2890% | 4,819 |
| Noninterest expense to average assets | 2.4356% | 4,424 |
| Loan and lease loss provision to assets | 0.1293% | 1,864 |
| Net operating income to assets | 0.7487% | 3,581 |
| Return on assets (ROA) | 0.7490% | 3,672 |
| Pretax return on assets | 1.1678% | 2,780 |
| Return on Equity (ROE) | 6.3721% | 3,858 |
| Retained earnings to average equity (ytd only) | 4.2422% | 2,969 |
| Net charge-offs to loans | 0.1536% | 1,839 |
| Credit loss provision to net charge-offs | 104.2940% | 2,406 |
| Earnings coverage of net charge-offs (x) | 10.4607% | 2,681 |
| Efficiency ratio | 65.2583% | 4,033 |
| Assets per employee ($millions) | 6.5204% | 1,089 |
| Cash dividends to net income (ytd only)* | 33.4257% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 4,969 |
| Loan loss allowance to noncurrent loans | 74.6961% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.8300% | 1,032 |
| Noncurrent loans to loans | 1.2458% | 1,896 |
| Net loans and leases to total assets | 79.6799% | 883 |
| Net loans and leases to deposits | 100.1941% | 662 |
| Net loans and leases to core deposits | 129.0843% | 280 |
| Total domestic deposits to total assets | 79.5256% | 4,861 |
| Equity capital to assets | 11.6182% | 2,264 |
| Core capital (leverage) ratio | 11.8954% | 1,686 |
| Tier 1 risk-based capital ratio | 13.5208% | 3,993 |
| Total risk-based capital ratio | 14.3901% | 4,134 |
| Memoranda: | ||
| Average total assets | $1,108,459,000 | 631 |
| Average earning assets | $1,026,725,000 | 627 |
| Average equity | $130,286,200 | 581 |
| Average total loans | $894,377,800 | 530 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 2,290 |
| Cost of funding earning assets | 0.5699% | 1,630 |
| Net interest margin | 3.7151% | 2,694 |
| Noninterest income to average assets | 0.2792% | 4,947 |
| Noninterest expense to average assets | 2.4000% | 4,513 |
| Loan and lease loss provision to assets | 0.1297% | 1,741 |
| Net operating income to assets | 0.7583% | 3,642 |
| Return on assets (ROA) | 0.7582% | 3,746 |
| Pretax return on assets | 1.1902% | 2,855 |
| Return on Equity (ROE) | 6.4314% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.1208% | 2,830 |
| Net charge-offs to loans | 0.1766% | 1,419 |
| Credit loss provision to net charge-offs | 90.9091% | 2,460 |
| Earnings coverage of net charge-offs (x) | 9.2549% | 2,718 |
| Efficiency ratio | 64.5168% | 4,155 |
| Assets per employee ($millions) | 6.1965% | 1,243 |
| Cash dividends to net income (ytd only)* | 20.3772% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 5,060 |
| Loan loss allowance to noncurrent loans | 58.0842% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 1.8796% | 1,114 |
| Noncurrent loans to loans | 1.6050% | 1,541 |
| Net loans and leases to total assets | 80.2277% | 796 |
| Net loans and leases to deposits | 100.8143% | 620 |
| Net loans and leases to core deposits | 125.5905% | 346 |
| Total domestic deposits to total assets | 79.5797% | 4,841 |
| Equity capital to assets | 11.9181% | 2,170 |
| Core capital (leverage) ratio | 11.9871% | 1,679 |
| Tier 1 risk-based capital ratio | 13.6976% | 4,023 |
| Total risk-based capital ratio | 14.5648% | 4,174 |
| Memoranda: | ||
| Average total assets | $1,100,307,500 | 642 |
| Average earning assets | $1,019,050,500 | 636 |
| Average equity | $129,715,000 | 588 |
| Average total loans | $888,537,250 | 535 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 2,269 |
| Cost of funding earning assets | 0.5656% | 1,680 |
| Net interest margin | 3.7070% | 2,678 |
| Noninterest income to average assets | 0.3408% | 4,516 |
| Noninterest expense to average assets | 2.3918% | 4,575 |
| Loan and lease loss provision to assets | 0.1037% | 2,095 |
| Net operating income to assets | 0.8124% | 3,318 |
| Return on assets (ROA) | 0.8123% | 3,425 |
| Pretax return on assets | 1.2794% | 2,435 |
| Return on Equity (ROE) | 6.9160% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.1402% | 2,150 |
| Net charge-offs to loans | 0.0662% | 2,431 |
| Credit loss provision to net charge-offs | 194.1980% | 1,265 |
| Earnings coverage of net charge-offs (x) | 25.9044% | 1,507 |
| Efficiency ratio | 63.3563% | 4,454 |
| Assets per employee ($millions) | 6.2452% | 1,186 |
| Cash dividends to net income (ytd only)* | 11.2183% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 4,975 |
| Loan loss allowance to noncurrent loans | 67.0675% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.7328% | 1,358 |
| Noncurrent loans to loans | 1.4594% | 1,816 |
| Net loans and leases to total assets | 78.8090% | 959 |
| Net loans and leases to deposits | 98.4684% | 752 |
| Net loans and leases to core deposits | 129.2428% | 284 |
| Total domestic deposits to total assets | 80.0348% | 4,859 |
| Equity capital to assets | 11.6465% | 2,290 |
| Core capital (leverage) ratio | 12.1169% | 1,588 |
| Tier 1 risk-based capital ratio | 13.7615% | 4,055 |
| Total risk-based capital ratio | 14.6798% | 4,190 |
| Memoranda: | ||
| Average total assets | $1,097,350,000 | 647 |
| Average earning assets | $1,016,604,330 | 639 |
| Average equity | $128,889,000 | 592 |
| Average total loans | $885,301,670 | 538 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,143 |
| Cost of funding earning assets | 0.5638% | 1,718 |
| Net interest margin | 3.7222% | 2,545 |
| Noninterest income to average assets | 0.3480% | 4,415 |
| Noninterest expense to average assets | 2.4503% | 4,449 |
| Loan and lease loss provision to assets | 0.0661% | 2,617 |
| Net operating income to assets | 0.8073% | 3,223 |
| Return on assets (ROA) | 0.8070% | 3,347 |
| Pretax return on assets | 1.2761% | 2,372 |
| Return on Equity (ROE) | 6.8412% | 3,588 |
| Retained earnings to average equity (ytd only) | 5.2771% | 2,905 |
| Net charge-offs to loans | 0.0177% | 2,809 |
| Credit loss provision to net charge-offs | 458.9744% | 585 |
| Earnings coverage of net charge-offs (x) | 93.2821% | 525 |
| Efficiency ratio | 64.6040% | 4,378 |
| Assets per employee ($millions) | 6.0380% | 1,381 |
| Cash dividends to net income (ytd only)* | 22.8624% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 5,175 |
| Loan loss allowance to noncurrent loans | 102.1809% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.4076% | 1,881 |
| Noncurrent loans to loans | 0.9476% | 2,879 |
| Net loans and leases to total assets | 81.1274% | 557 |
| Net loans and leases to deposits | 103.0384% | 408 |
| Net loans and leases to core deposits | 127.8630% | 273 |
| Total domestic deposits to total assets | 78.7351% | 5,309 |
| Equity capital to assets | 11.8607% | 2,140 |
| Core capital (leverage) ratio | 12.1325% | 1,559 |
| Tier 1 risk-based capital ratio | 13.7786% | 4,160 |
| Total risk-based capital ratio | 14.6994% | 4,268 |
| Memoranda: | ||
| Average total assets | $1,083,961,000 | 654 |
| Average earning assets | $1,003,176,500 | 642 |
| Average equity | $127,872,500 | 597 |
| Average total loans | $880,617,000 | 532 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 2,346 |
| Cost of funding earning assets | 0.6644% | 1,305 |
| Net interest margin | 3.7001% | 3,008 |
| Noninterest income to average assets | 0.3698% | 4,432 |
| Noninterest expense to average assets | 2.3889% | 4,875 |
| Loan and lease loss provision to assets | 0.2555% | 877 |
| Net operating income to assets | 0.7339% | 3,715 |
| Return on assets (ROA) | 0.7351% | 3,818 |
| Pretax return on assets | 1.1554% | 2,851 |
| Return on Equity (ROE) | 6.1329% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.3211% | 3,864 |
| Net charge-offs to loans | 0.2758% | 1,571 |
| Credit loss provision to net charge-offs | 114.8485% | 2,078 |
| Earnings coverage of net charge-offs (x) | 6.3346% | 3,222 |
| Efficiency ratio | 62.8990% | 4,769 |
| Assets per employee ($millions) | 6.1078% | 1,304 |
| Cash dividends to net income (ytd only)* | 45.8475% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 5,183 |
| Loan loss allowance to noncurrent loans | 82.6286% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.4936% | 1,833 |
| Noncurrent loans to loans | 1.1786% | 2,477 |
| Net loans and leases to total assets | 79.7726% | 765 |
| Net loans and leases to deposits | 99.2149% | 668 |
| Net loans and leases to core deposits | 122.1553% | 365 |
| Total domestic deposits to total assets | 80.4038% | 4,909 |
| Equity capital to assets | 11.7325% | 2,221 |
| Core capital (leverage) ratio | 12.0971% | 1,564 |
| Tier 1 risk-based capital ratio | 14.1009% | 4,028 |
| Total risk-based capital ratio | 15.0472% | 4,173 |
| Memoranda: | ||
| Average total assets | $1,038,482,000 | 650 |
| Average earning assets | $962,154,400 | 638 |
| Average equity | $124,476,600 | 591 |
| Average total loans | $837,647,800 | 533 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 2,268 |
| Cost of funding earning assets | 0.6799% | 1,257 |
| Net interest margin | 3.7062% | 3,000 |
| Noninterest income to average assets | 0.3378% | 4,733 |
| Noninterest expense to average assets | 2.4142% | 4,781 |
| Loan and lease loss provision to assets | 0.1493% | 1,674 |
| Net operating income to assets | 0.7424% | 3,712 |
| Return on assets (ROA) | 0.7445% | 3,798 |
| Pretax return on assets | 1.2122% | 2,730 |
| Return on Equity (ROE) | 6.1765% | 4,142 |
| Retained earnings to average equity (ytd only) | 4.0240% | 3,784 |
| Net charge-offs to loans | 0.1633% | 2,165 |
| Credit loss provision to net charge-offs | 113.2874% | 2,001 |
| Earnings coverage of net charge-offs (x) | 10.3061% | 2,560 |
| Efficiency ratio | 63.9949% | 4,542 |
| Assets per employee ($millions) | 5.8148% | 1,475 |
| Cash dividends to net income (ytd only)* | 34.8493% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 5,300 |
| Loan loss allowance to noncurrent loans | 75.8434% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.6565% | 1,830 |
| Noncurrent loans to loans | 1.2905% | 2,484 |
| Net loans and leases to total assets | 80.4134% | 673 |
| Net loans and leases to deposits | 100.9639% | 560 |
| Net loans and leases to core deposits | 126.7856% | 271 |
| Total domestic deposits to total assets | 79.6457% | 5,187 |
| Equity capital to assets | 12.1164% | 1,967 |
| Core capital (leverage) ratio | 12.2277% | 1,560 |
| Tier 1 risk-based capital ratio | 14.4523% | 3,916 |
| Total risk-based capital ratio | 15.3995% | 4,041 |
| Memoranda: | ||
| Average total assets | $1,027,831,500 | 654 |
| Average earning assets | $952,537,250 | 641 |
| Average equity | $123,886,250 | 589 |
| Average total loans | $829,337,250 | 531 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 2,487 |
| Cost of funding earning assets | 0.6888% | 1,247 |
| Net interest margin | 3.6393% | 3,193 |
| Noninterest income to average assets | 0.3142% | 4,903 |
| Noninterest expense to average assets | 2.4151% | 4,839 |
| Loan and lease loss provision to assets | 0.1495% | 1,648 |
| Net operating income to assets | 0.7095% | 3,787 |
| Return on assets (ROA) | 0.7127% | 3,864 |
| Pretax return on assets | 1.1304% | 2,974 |
| Return on Equity (ROE) | 5.9231% | 4,195 |
| Retained earnings to average equity (ytd only) | 3.4870% | 3,985 |
| Net charge-offs to loans | 0.2070% | 1,783 |
| Credit loss provision to net charge-offs | 89.6835% | 2,184 |
| Earnings coverage of net charge-offs (x) | 7.6495% | 2,600 |
| Efficiency ratio | 65.4469% | 4,455 |
| Assets per employee ($millions) | 5.8042% | 1,419 |
| Cash dividends to net income (ytd only)* | 41.1297% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 5,559 |
| Loan loss allowance to noncurrent loans | 67.7267% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.7847% | 1,814 |
| Noncurrent loans to loans | 1.4047% | 2,450 |
| Net loans and leases to total assets | 81.1209% | 560 |
| Net loans and leases to deposits | 102.7036% | 410 |
| Net loans and leases to core deposits | 125.4310% | 279 |
| Total domestic deposits to total assets | 78.9854% | 5,463 |
| Equity capital to assets | 12.0364% | 1,951 |
| Core capital (leverage) ratio | 12.3554% | 1,470 |
| Tier 1 risk-based capital ratio | 14.3770% | 4,006 |
| Total risk-based capital ratio | 15.3065% | 4,150 |
| Memoranda: | ||
| Average total assets | $1,023,493,330 | 654 |
| Average earning assets | $949,426,000 | 638 |
| Average equity | $123,144,000 | 588 |
| Average total loans | $824,032,000 | 528 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 2,405 |
| Cost of funding earning assets | 0.7026% | 1,229 |
| Net interest margin | 3.6283% | 3,147 |
| Noninterest income to average assets | 0.3192% | 4,822 |
| Noninterest expense to average assets | 2.3171% | 5,152 |
| Loan and lease loss provision to assets | 0.0793% | 2,561 |
| Net operating income to assets | 0.8022% | 3,143 |
| Return on assets (ROA) | 0.8085% | 3,186 |
| Pretax return on assets | 1.2986% | 2,099 |
| Return on Equity (ROE) | 6.7211% | 3,621 |
| Retained earnings to average equity (ytd only) | 3.4569% | 4,062 |
| Net charge-offs to loans | 0.0704% | 2,445 |
| Credit loss provision to net charge-offs | 141.2587% | 1,310 |
| Earnings coverage of net charge-offs (x) | 24.3636% | 1,180 |
| Efficiency ratio | 62.8769% | 5,015 |
| Assets per employee ($millions) | 5.8340% | 1,423 |
| Cash dividends to net income (ytd only)* | 48.5673% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 5,516 |
| Loan loss allowance to noncurrent loans | 48.5719% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 2.3968% | 1,357 |
| Noncurrent loans to loans | 2.0614% | 1,798 |
| Net loans and leases to total assets | 79.8418% | 567 |
| Net loans and leases to deposits | 100.2958% | 426 |
| Net loans and leases to core deposits | 121.1336% | 303 |
| Total domestic deposits to total assets | 79.6064% | 5,568 |
| Equity capital to assets | 12.1236% | 1,787 |
| Core capital (leverage) ratio | 12.3718% | 1,441 |
| Tier 1 risk-based capital ratio | 14.6842% | 3,898 |
| Total risk-based capital ratio | 15.6559% | 4,021 |
| Memoranda: | ||
| Average total assets | $1,018,667,000 | 660 |
| Average earning assets | $945,023,500 | 642 |
| Average equity | $122,539,000 | 590 |
| Average total loans | $812,974,500 | 531 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 2,736 |
| Cost of funding earning assets | 0.8062% | 1,187 |
| Net interest margin | 3.5531% | 3,665 |
| Noninterest income to average assets | 0.3964% | 4,475 |
| Noninterest expense to average assets | 2.4327% | 4,979 |
| Loan and lease loss provision to assets | 0.0952% | 3,218 |
| Net operating income to assets | 0.7461% | 3,576 |
| Return on assets (ROA) | 0.7461% | 3,666 |
| Pretax return on assets | 1.1653% | 2,711 |
| Return on Equity (ROE) | 7.5891% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.5891% | 1,202 |
| Net charge-offs to loans | 0.1370% | 3,430 |
| Credit loss provision to net charge-offs | 89.6092% | 2,773 |
| Earnings coverage of net charge-offs (x) | 11.8646% | 2,193 |
| Efficiency ratio | 65.8705% | 4,587 |
| Assets per employee ($millions) | 5.9088% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 5,521 |
| Loan loss allowance to noncurrent loans | 52.6731% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 2.1763% | 1,643 |
| Noncurrent loans to loans | 1.9139% | 2,104 |
| Net loans and leases to total assets | 78.1758% | 807 |
| Net loans and leases to deposits | 97.3836% | 632 |
| Net loans and leases to core deposits | 114.7554% | 448 |
| Total domestic deposits to total assets | 80.2761% | 5,380 |
| Equity capital to assets | 11.9358% | 1,844 |
| Core capital (leverage) ratio | 12.4507% | 1,384 |
| Tier 1 risk-based capital ratio | 14.6002% | 3,901 |
| Total risk-based capital ratio | 15.5669% | 4,016 |
| Memoranda: | ||
| Average total assets | $987,405,000 | 664 |
| Average earning assets | $916,177,000 | 650 |
| Average equity | $97,073,000 | 727 |
| Average total loans | $765,598,000 | 550 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 2,647 |
| Cost of funding earning assets | 0.8351% | 1,121 |
| Net interest margin | 3.5460% | 3,680 |
| Noninterest income to average assets | 0.4241% | 4,335 |
| Noninterest expense to average assets | 2.4411% | 4,903 |
| Loan and lease loss provision to assets | 0.0872% | 3,315 |
| Net operating income to assets | 0.7545% | 3,581 |
| Return on assets (ROA) | 0.7545% | 3,709 |
| Pretax return on assets | 1.1849% | 2,764 |
| Return on Equity (ROE) | 8.1285% | 3,061 |
| Retained earnings to average equity (ytd only) | 8.1285% | 1,360 |
| Net charge-offs to loans | 0.1427% | 3,115 |
| Credit loss provision to net charge-offs | 79.2079% | 2,865 |
| Earnings coverage of net charge-offs (x) | 11.5569% | 2,227 |
| Efficiency ratio | 65.7409% | 4,533 |
| Assets per employee ($millions) | 5.8660% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 5,520 |
| Loan loss allowance to noncurrent loans | 52.4066% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 2.2671% | 1,747 |
| Noncurrent loans to loans | 2.0074% | 2,242 |
| Net loans and leases to total assets | 76.6510% | 915 |
| Net loans and leases to deposits | 93.0068% | 901 |
| Net loans and leases to core deposits | 107.3316% | 692 |
| Total domestic deposits to total assets | 82.4144% | 4,790 |
| Equity capital to assets | 9.3921% | 4,685 |
| Core capital (leverage) ratio | 9.6689% | 4,146 |
| Tier 1 risk-based capital ratio | 11.6750% | 5,962 |
| Total risk-based capital ratio | 12.6829% | 6,050 |
| Memoranda: | ||
| Average total assets | $978,700,750 | 674 |
| Average earning assets | $907,809,250 | 655 |
| Average equity | $90,838,750 | 781 |
| Average total loans | $755,180,500 | 557 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 2,626 |
| Cost of funding earning assets | 0.8594% | 1,086 |
| Net interest margin | 3.5259% | 3,673 |
| Noninterest income to average assets | 0.4113% | 4,435 |
| Noninterest expense to average assets | 2.4292% | 4,967 |
| Loan and lease loss provision to assets | 0.0729% | 3,583 |
| Net operating income to assets | 0.7547% | 3,542 |
| Return on assets (ROA) | 0.7547% | 3,693 |
| Pretax return on assets | 1.1838% | 2,746 |
| Return on Equity (ROE) | 8.1637% | 3,008 |
| Retained earnings to average equity (ytd only) | 8.1637% | 1,416 |
| Net charge-offs to loans | 0.1513% | 2,892 |
| Credit loss provision to net charge-offs | 62.5000% | 2,973 |
| Earnings coverage of net charge-offs (x) | 10.7799% | 2,125 |
| Efficiency ratio | 65.9057% | 4,565 |
| Assets per employee ($millions) | 5.7566% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 5,561 |
| Loan loss allowance to noncurrent loans | 48.1741% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 2.4125% | 1,763 |
| Noncurrent loans to loans | 2.2130% | 2,160 |
| Net loans and leases to total assets | 76.1852% | 966 |
| Net loans and leases to deposits | 95.1808% | 724 |
| Net loans and leases to core deposits | 111.9313% | 486 |
| Total domestic deposits to total assets | 80.0426% | 5,595 |
| Equity capital to assets | 9.3461% | 4,788 |
| Core capital (leverage) ratio | 9.6213% | 4,045 |
| Tier 1 risk-based capital ratio | 11.8482% | 5,883 |
| Total risk-based capital ratio | 12.8872% | 5,987 |
| Memoranda: | ||
| Average total assets | $974,483,670 | 676 |
| Average earning assets | $905,009,330 | 660 |
| Average equity | $90,082,000 | 786 |
| Average total loans | $750,920,670 | 555 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 2,434 |
| Cost of funding earning assets | 0.8800% | 1,082 |
| Net interest margin | 3.5473% | 3,489 |
| Noninterest income to average assets | 0.4225% | 4,301 |
| Noninterest expense to average assets | 2.4307% | 5,016 |
| Loan and lease loss provision to assets | 0.0633% | 3,572 |
| Net operating income to assets | 0.7799% | 3,282 |
| Return on assets (ROA) | 0.7799% | 3,416 |
| Pretax return on assets | 1.2250% | 2,488 |
| Return on Equity (ROE) | 8.4841% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.4841% | 1,568 |
| Net charge-offs to loans | 0.0272% | 3,649 |
| Credit loss provision to net charge-offs | 301.9608% | 788 |
| Earnings coverage of net charge-offs (x) | 61.4118% | 585 |
| Efficiency ratio | 65.3578% | 4,772 |
| Assets per employee ($millions) | 5.9289% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 5,515 |
| Loan loss allowance to noncurrent loans | 60.2149% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 2.1542% | 2,179 |
| Noncurrent loans to loans | 1.8657% | 2,777 |
| Net loans and leases to total assets | 76.0457% | 832 |
| Net loans and leases to deposits | 92.1332% | 792 |
| Net loans and leases to core deposits | 108.0283% | 563 |
| Total domestic deposits to total assets | 82.5389% | 5,012 |
| Equity capital to assets | 9.3558% | 5,052 |
| Core capital (leverage) ratio | 9.4491% | 4,166 |
| Tier 1 risk-based capital ratio | 11.8589% | 5,991 |
| Total risk-based capital ratio | 12.9689% | 6,052 |
| Memoranda: | ||
| Average total assets | $972,410,500 | 683 |
| Average earning assets | $903,664,000 | 667 |
| Average equity | $89,391,000 | 798 |
| Average total loans | $749,578,500 | 560 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 3,282 |
| Cost of funding earning assets | 1.1418% | 763 |
| Net interest margin | 3.3872% | 4,929 |
| Noninterest income to average assets | 0.3707% | 4,826 |
| Noninterest expense to average assets | 2.3792% | 5,472 |
| Loan and lease loss provision to assets | 0.2594% | 2,574 |
| Net operating income to assets | 0.5698% | 4,377 |
| Return on assets (ROA) | 0.5696% | 4,641 |
| Pretax return on assets | 0.8841% | 3,982 |
| Return on Equity (ROE) | 6.4514% | 3,935 |
| Retained earnings to average equity (ytd only) | 3.7793% | 3,553 |
| Net charge-offs to loans | 0.2627% | 3,364 |
| Credit loss provision to net charge-offs | 130.5627% | 2,142 |
| Earnings coverage of net charge-offs (x) | 5.7574% | 2,959 |
| Efficiency ratio | 67.5323% | 4,229 |
| Assets per employee ($millions) | 5.9297% | 1,333 |
| Cash dividends to net income (ytd only)* | 41.4191% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,587 |
| Loan loss allowance to noncurrent loans | 62.8582% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.0454% | 2,397 |
| Noncurrent loans to loans | 1.7357% | 3,009 |
| Net loans and leases to total assets | 76.4143% | 865 |
| Net loans and leases to deposits | 91.2042% | 966 |
| Net loans and leases to core deposits | 106.1354% | 684 |
| Total domestic deposits to total assets | 83.7838% | 4,411 |
| Equity capital to assets | 9.0316% | 5,488 |
| Core capital (leverage) ratio | 9.1439% | 4,667 |
| Tier 1 risk-based capital ratio | 11.4616% | 6,131 |
| Total risk-based capital ratio | 12.5487% | 6,182 |
| Memoranda: | ||
| Average total assets | $974,941,000 | 672 |
| Average earning assets | $907,366,600 | 655 |
| Average equity | $86,074,200 | 810 |
| Average total loans | $737,294,600 | 555 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 3,598 |
| Cost of funding earning assets | 1.1941% | 713 |
| Net interest margin | 3.3146% | 5,340 |
| Noninterest income to average assets | 0.3384% | 5,102 |
| Noninterest expense to average assets | 2.3821% | 5,449 |
| Loan and lease loss provision to assets | 0.2086% | 2,986 |
| Net operating income to assets | 0.5416% | 4,653 |
| Return on assets (ROA) | 0.5416% | 4,919 |
| Pretax return on assets | 0.8340% | 4,366 |
| Return on Equity (ROE) | 6.1705% | 4,251 |
| Retained earnings to average equity (ytd only) | 2.5839% | 5,013 |
| Net charge-offs to loans | 0.1971% | 3,549 |
| Credit loss provision to net charge-offs | 140.7202% | 2,048 |
| Earnings coverage of net charge-offs (x) | 7.0333% | 2,672 |
| Efficiency ratio | 69.5564% | 3,778 |
| Assets per employee ($millions) | 5.9297% | 1,295 |
| Cash dividends to net income (ytd only)* | 58.1248% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 5,741 |
| Loan loss allowance to noncurrent loans | 37.6366% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 2.8216% | 1,864 |
| Noncurrent loans to loans | 2.9065% | 1,921 |
| Net loans and leases to total assets | 74.8175% | 1,131 |
| Net loans and leases to deposits | 89.0309% | 1,251 |
| Net loans and leases to core deposits | 104.7060% | 826 |
| Total domestic deposits to total assets | 84.0355% | 4,204 |
| Equity capital to assets | 8.8904% | 5,931 |
| Core capital (leverage) ratio | 8.9654% | 5,115 |
| Tier 1 risk-based capital ratio | 11.4003% | 6,293 |
| Total risk-based capital ratio | 12.4658% | 6,360 |
| Memoranda: | ||
| Average total assets | $974,075,250 | 679 |
| Average earning assets | $906,985,500 | 660 |
| Average equity | $85,501,250 | 819 |
| Average total loans | $732,646,250 | 562 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 3,642 |
| Cost of funding earning assets | 1.2493% | 649 |
| Net interest margin | 3.2813% | 5,493 |
| Noninterest income to average assets | 0.2910% | 5,477 |
| Noninterest expense to average assets | 2.4509% | 5,295 |
| Loan and lease loss provision to assets | 0.1600% | 3,517 |
| Net operating income to assets | 0.4845% | 4,890 |
| Return on assets (ROA) | 0.4845% | 5,137 |
| Pretax return on assets | 0.7390% | 4,709 |
| Return on Equity (ROE) | 5.5431% | 4,564 |
| Retained earnings to average equity (ytd only) | 0.1318% | 5,995 |
| Net charge-offs to loans | 0.2654% | 2,992 |
| Credit loss provision to net charge-offs | 80.2890% | 3,314 |
| Earnings coverage of net charge-offs (x) | 4.5119% | 3,058 |
| Efficiency ratio | 73.1631% | 3,216 |
| Assets per employee ($millions) | 6.0774% | 1,188 |
| Cash dividends to net income (ytd only)* | 97.6231% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,132 |
| Loan loss allowance to noncurrent loans | 68.0339% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.7003% | 3,167 |
| Noncurrent loans to loans | 1.4788% | 3,695 |
| Net loans and leases to total assets | 75.5273% | 1,027 |
| Net loans and leases to deposits | 90.3183% | 1,115 |
| Net loans and leases to core deposits | 107.6446% | 675 |
| Total domestic deposits to total assets | 83.6235% | 4,476 |
| Equity capital to assets | 8.7704% | 5,949 |
| Core capital (leverage) ratio | 8.8716% | 5,086 |
| Tier 1 risk-based capital ratio | 11.2084% | 6,396 |
| Total risk-based capital ratio | 12.2099% | 6,498 |
| Memoranda: | ||
| Average total assets | $972,636,000 | 682 |
| Average earning assets | $906,720,330 | 660 |
| Average equity | $85,007,330 | 811 |
| Average total loans | $730,160,000 | 560 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 3,820 |
| Cost of funding earning assets | 1.2959% | 641 |
| Net interest margin | 3.2288% | 5,704 |
| Noninterest income to average assets | 0.2837% | 5,599 |
| Noninterest expense to average assets | 2.3545% | 5,614 |
| Loan and lease loss provision to assets | 0.1402% | 3,601 |
| Net operating income to assets | 0.5239% | 4,718 |
| Return on assets (ROA) | 0.5239% | 4,927 |
| Pretax return on assets | 0.8010% | 4,409 |
| Return on Equity (ROE) | 6.0045% | 4,290 |
| Retained earnings to average equity (ytd only) | -2.4791% | 6,336 |
| Net charge-offs to loans | 0.0447% | 4,069 |
| Credit loss provision to net charge-offs | 420.9877% | 752 |
| Earnings coverage of net charge-offs (x) | 28.2593% | 969 |
| Efficiency ratio | 71.4410% | 3,544 |
| Assets per employee ($millions) | 6.1870% | 1,163 |
| Cash dividends to net income (ytd only)* | 141.2873% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 5,958 |
| Loan loss allowance to noncurrent loans | 65.4457% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.7160% | 3,287 |
| Noncurrent loans to loans | 1.6548% | 3,617 |
| Net loans and leases to total assets | 74.9030% | 934 |
| Net loans and leases to deposits | 89.7479% | 988 |
| Net loans and leases to core deposits | 106.7839% | 647 |
| Total domestic deposits to total assets | 83.4593% | 4,726 |
| Equity capital to assets | 8.7642% | 5,792 |
| Core capital (leverage) ratio | 8.8218% | 5,106 |
| Tier 1 risk-based capital ratio | 11.2895% | 6,393 |
| Total risk-based capital ratio | 12.3489% | 6,479 |
| Memoranda: | ||
| Average total assets | $972,762,500 | 682 |
| Average earning assets | $907,449,000 | 662 |
| Average equity | $84,870,000 | 807 |
| Average total loans | $724,300,500 | 563 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 3,993 |
| Cost of funding earning assets | 1.5052% | 701 |
| Net interest margin | 3.2529% | 5,949 |
| Noninterest income to average assets | 0.3881% | 4,722 |
| Noninterest expense to average assets | 2.3423% | 5,934 |
| Loan and lease loss provision to assets | 0.4443% | 2,377 |
| Net operating income to assets | 0.4146% | 4,795 |
| Return on assets (ROA) | 0.4146% | 4,982 |
| Pretax return on assets | 0.6178% | 4,637 |
| Return on Equity (ROE) | 4.6604% | 4,546 |
| Retained earnings to average equity (ytd only) | 0.6576% | 5,539 |
| Net charge-offs to loans | 0.5964% | 2,657 |
| Credit loss provision to net charge-offs | 99.6586% | 3,585 |
| Earnings coverage of net charge-offs (x) | 2.3821% | 4,022 |
| Efficiency ratio | 68.8021% | 4,189 |
| Assets per employee ($millions) | 6.5796% | 913 |
| Cash dividends to net income (ytd only)* | 85.8904% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 5,936 |
| Loan loss allowance to noncurrent loans | 80.4942% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.4830% | 3,729 |
| Noncurrent loans to loans | 1.3250% | 4,164 |
| Net loans and leases to total assets | 72.4319% | 1,570 |
| Net loans and leases to deposits | 85.9244% | 1,679 |
| Net loans and leases to core deposits | 102.2223% | 1,009 |
| Total domestic deposits to total assets | 84.2972% | 4,190 |
| Equity capital to assets | 8.6856% | 5,914 |
| Core capital (leverage) ratio | 8.9651% | 4,841 |
| Tier 1 risk-based capital ratio | 11.3889% | 6,228 |
| Total risk-based capital ratio | 12.4307% | 6,340 |
| Memoranda: | ||
| Average total assets | $919,772,400 | 709 |
| Average earning assets | $852,866,600 | 688 |
| Average equity | $81,817,000 | 818 |
| Average total loans | $687,656,600 | 601 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 3,885 |
| Cost of funding earning assets | 1.5228% | 788 |
| Net interest margin | 3.3071% | 5,839 |
| Noninterest income to average assets | 0.3360% | 5,169 |
| Noninterest expense to average assets | 2.1922% | 6,291 |
| Loan and lease loss provision to assets | 0.5219% | 1,897 |
| Net operating income to assets | 0.4556% | 4,745 |
| Return on assets (ROA) | 0.4556% | 4,938 |
| Pretax return on assets | 0.6837% | 4,542 |
| Return on Equity (ROE) | 5.0890% | 4,496 |
| Retained earnings to average equity (ytd only) | -0.3029% | 6,034 |
| Net charge-offs to loans | 0.7749% | 2,011 |
| Credit loss provision to net charge-offs | 89.5775% | 3,782 |
| Earnings coverage of net charge-offs (x) | 2.0693% | 4,109 |
| Efficiency ratio | 64.5181% | 4,980 |
| Assets per employee ($millions) | 6.3098% | 1,029 |
| Cash dividends to net income (ytd only)* | 105.9528% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 6,122 |
| Loan loss allowance to noncurrent loans | 109.3745% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.4643% | 3,923 |
| Noncurrent loans to loans | 0.9419% | 4,997 |
| Net loans and leases to total assets | 72.2148% | 1,663 |
| Net loans and leases to deposits | 85.8003% | 1,710 |
| Net loans and leases to core deposits | 100.7412% | 1,185 |
| Total domestic deposits to total assets | 84.1661% | 4,148 |
| Equity capital to assets | 8.7303% | 6,050 |
| Core capital (leverage) ratio | 9.0060% | 4,917 |
| Tier 1 risk-based capital ratio | 11.3300% | 6,337 |
| Total risk-based capital ratio | 12.3373% | 6,473 |
| Memoranda: | ||
| Average total assets | $904,627,250 | 730 |
| Average earning assets | $837,540,750 | 710 |
| Average equity | $80,983,750 | 832 |
| Average total loans | $680,135,000 | 610 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 3,683 |
| Cost of funding earning assets | 1.5292% | 899 |
| Net interest margin | 3.3562% | 5,693 |
| Noninterest income to average assets | 0.3290% | 5,259 |
| Noninterest expense to average assets | 2.2020% | 6,381 |
| Loan and lease loss provision to assets | 0.6552% | 1,468 |
| Net operating income to assets | 0.3942% | 4,974 |
| Return on assets (ROA) | 0.3942% | 5,118 |
| Pretax return on assets | 0.5798% | 4,811 |
| Return on Equity (ROE) | 4.3638% | 4,753 |
| Retained earnings to average equity (ytd only) | -2.5837% | 6,321 |
| Net charge-offs to loans | 1.0315% | 1,525 |
| Credit loss provision to net charge-offs | 83.5834% | 3,661 |
| Earnings coverage of net charge-offs (x) | 1.5756% | 4,110 |
| Efficiency ratio | 64.0676% | 5,224 |
| Assets per employee ($millions) | 6.4464% | 951 |
| Cash dividends to net income (ytd only)* | 159.2083% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 6,268 |
| Loan loss allowance to noncurrent loans | 168.5660% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 1.6353% | 3,726 |
| Noncurrent loans to loans | 0.6023% | 5,709 |
| Net loans and leases to total assets | 76.7033% | 967 |
| Net loans and leases to deposits | 92.0079% | 1,060 |
| Net loans and leases to core deposits | 108.4860% | 784 |
| Total domestic deposits to total assets | 83.3660% | 4,605 |
| Equity capital to assets | 8.8403% | 5,770 |
| Core capital (leverage) ratio | 9.1056% | 4,558 |
| Tier 1 risk-based capital ratio | 10.9085% | 6,597 |
| Total risk-based capital ratio | 11.8947% | 6,726 |
| Memoranda: | ||
| Average total assets | $884,372,000 | 752 |
| Average earning assets | $818,967,330 | 738 |
| Average equity | $79,884,330 | 841 |
| Average total loans | $672,042,000 | 628 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 3,622 |
| Cost of funding earning assets | 1.5485% | 981 |
| Net interest margin | 3.3451% | 5,626 |
| Noninterest income to average assets | 0.3021% | 5,504 |
| Noninterest expense to average assets | 2.2611% | 6,281 |
| Loan and lease loss provision to assets | 0.9167% | 868 |
| Net operating income to assets | 0.1828% | 5,843 |
| Return on assets (ROA) | 0.1828% | 5,900 |
| Pretax return on assets | 0.2299% | 5,869 |
| Return on Equity (ROE) | 2.0016% | 5,785 |
| Retained earnings to average equity (ytd only) | -8.0066% | 6,753 |
| Net charge-offs to loans | 1.4539% | 933 |
| Credit loss provision to net charge-offs | 83.8278% | 3,072 |
| Earnings coverage of net charge-offs (x) | 1.0485% | 3,876 |
| Efficiency ratio | 66.3538% | 4,976 |
| Assets per employee ($millions) | 6.1962% | 1,072 |
| Cash dividends to net income (ytd only)* | 500.0000% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 5,999 |
| Loan loss allowance to noncurrent loans | 65.6865% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 2.5505% | 2,680 |
| Noncurrent loans to loans | 1.6934% | 3,949 |
| Net loans and leases to total assets | 74.6284% | 1,245 |
| Net loans and leases to deposits | 89.7481% | 1,266 |
| Net loans and leases to core deposits | 108.0220% | 842 |
| Total domestic deposits to total assets | 83.1532% | 4,873 |
| Equity capital to assets | 9.1169% | 5,013 |
| Core capital (leverage) ratio | 9.0578% | 4,514 |
| Tier 1 risk-based capital ratio | 11.5522% | 6,063 |
| Total risk-based capital ratio | 12.6273% | 6,182 |
| Memoranda: | ||
| Average total assets | $875,308,000 | 765 |
| Average earning assets | $812,657,000 | 753 |
| Average equity | $79,934,500 | 832 |
| Average total loans | $658,389,500 | 652 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 4,273 |
| Cost of funding earning assets | 1.6785% | 1,692 |
| Net interest margin | 3.3840% | 5,690 |
| Noninterest income to average assets | 0.3601% | 5,229 |
| Noninterest expense to average assets | 2.0808% | 6,890 |
| Loan and lease loss provision to assets | 0.4651% | 3,342 |
| Net operating income to assets | 0.6332% | 3,516 |
| Return on assets (ROA) | 0.6332% | 3,671 |
| Pretax return on assets | 0.9816% | 2,991 |
| Return on Equity (ROE) | 6.7805% | 3,224 |
| Retained earnings to average equity (ytd only) | 3.6150% | 3,331 |
| Net charge-offs to loans | 0.5899% | 3,264 |
| Credit loss provision to net charge-offs | 105.3012% | 4,257 |
| Earnings coverage of net charge-offs (x) | 3.2755% | 3,438 |
| Efficiency ratio | 58.9890% | 6,200 |
| Assets per employee ($millions) | 6.3996% | 988 |
| Cash dividends to net income (ytd only)* | 46.6853% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 5,701 |
| Loan loss allowance to noncurrent loans | 56.7276% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.7162% | 2,571 |
| Noncurrent loans to loans | 2.0418% | 3,496 |
| Net loans and leases to total assets | 74.1043% | 1,642 |
| Net loans and leases to deposits | 90.3412% | 1,477 |
| Net loans and leases to core deposits | 112.8969% | 778 |
| Total domestic deposits to total assets | 82.0271% | 5,179 |
| Equity capital to assets | 9.1472% | 4,923 |
| Core capital (leverage) ratio | 9.2019% | 4,163 |
| Tier 1 risk-based capital ratio | 11.5549% | 5,860 |
| Total risk-based capital ratio | 12.6577% | 5,980 |
| Memoranda: | ||
| Average total assets | $845,684,200 | 794 |
| Average earning assets | $791,550,600 | 774 |
| Average equity | $78,976,000 | 836 |
| Average total loans | $633,192,200 | 697 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1016% | 4,302 |
| Cost of funding earning assets | 1.6950% | 1,904 |
| Net interest margin | 3.4066% | 5,654 |
| Noninterest income to average assets | 0.3461% | 5,396 |
| Noninterest expense to average assets | 2.0902% | 6,864 |
| Loan and lease loss provision to assets | 0.4438% | 3,251 |
| Net operating income to assets | 0.6455% | 3,671 |
| Return on assets (ROA) | 0.6455% | 3,838 |
| Pretax return on assets | 1.0047% | 3,166 |
| Return on Equity (ROE) | 6.8750% | 3,407 |
| Retained earnings to average equity (ytd only) | 3.4791% | 4,006 |
| Net charge-offs to loans | 0.4445% | 3,529 |
| Credit loss provision to net charge-offs | 133.3972% | 3,028 |
| Earnings coverage of net charge-offs (x) | 4.3536% | 3,087 |
| Efficiency ratio | 59.0665% | 6,098 |
| Assets per employee ($millions) | 6.4100% | 1,014 |
| Cash dividends to net income (ytd only)* | 49.3949% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 5,010 |
| Loan loss allowance to noncurrent loans | 54.6428% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 3.0256% | 2,401 |
| Noncurrent loans to loans | 2.3650% | 3,278 |
| Net loans and leases to total assets | 71.0431% | 2,481 |
| Net loans and leases to deposits | 86.9646% | 2,156 |
| Net loans and leases to core deposits | 109.4859% | 1,065 |
| Total domestic deposits to total assets | 81.6921% | 5,127 |
| Equity capital to assets | 9.1330% | 5,404 |
| Core capital (leverage) ratio | 9.3305% | 4,164 |
| Tier 1 risk-based capital ratio | 11.6907% | 5,737 |
| Total risk-based capital ratio | 12.8911% | 5,772 |
| Memoranda: | ||
| Average total assets | $836,318,500 | 804 |
| Average earning assets | $783,783,000 | 781 |
| Average equity | $78,524,250 | 844 |
| Average total loans | $625,960,500 | 709 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 4,031 |
| Cost of funding earning assets | 1.7279% | 1,981 |
| Net interest margin | 3.4556% | 5,425 |
| Noninterest income to average assets | 0.3249% | 5,554 |
| Noninterest expense to average assets | 2.1496% | 6,765 |
| Loan and lease loss provision to assets | 0.4044% | 3,292 |
| Net operating income to assets | 0.6532% | 3,612 |
| Return on assets (ROA) | 0.6532% | 3,766 |
| Pretax return on assets | 1.0178% | 3,050 |
| Return on Equity (ROE) | 6.8903% | 3,353 |
| Retained earnings to average equity (ytd only) | 1.7598% | 4,987 |
| Net charge-offs to loans | 0.3965% | 3,388 |
| Credit loss provision to net charge-offs | 134.4382% | 2,983 |
| Earnings coverage of net charge-offs (x) | 4.7276% | 2,863 |
| Efficiency ratio | 60.1825% | 6,017 |
| Assets per employee ($millions) | 6.3076% | 1,045 |
| Cash dividends to net income (ytd only)* | 74.4602% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 5,191 |
| Loan loss allowance to noncurrent loans | 66.7709% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 2.7064% | 2,670 |
| Noncurrent loans to loans | 1.8702% | 3,906 |
| Net loans and leases to total assets | 74.4407% | 1,820 |
| Net loans and leases to deposits | 91.4172% | 1,630 |
| Net loans and leases to core deposits | 118.0795% | 765 |
| Total domestic deposits to total assets | 81.4297% | 5,225 |
| Equity capital to assets | 9.3805% | 4,886 |
| Core capital (leverage) ratio | 9.4978% | 3,824 |
| Tier 1 risk-based capital ratio | 11.6695% | 5,611 |
| Total risk-based capital ratio | 12.8481% | 5,636 |
| Memoranda: | ||
| Average total assets | $822,369,670 | 828 |
| Average earning assets | $772,721,670 | 793 |
| Average equity | $77,964,670 | 838 |
| Average total loans | $623,932,670 | 719 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2591% | 3,737 |
| Cost of funding earning assets | 1.7749% | 1,996 |
| Net interest margin | 3.4841% | 5,223 |
| Noninterest income to average assets | 0.3130% | 5,647 |
| Noninterest expense to average assets | 2.0194% | 7,127 |
| Loan and lease loss provision to assets | 0.4216% | 2,848 |
| Net operating income to assets | 0.7360% | 3,279 |
| Return on assets (ROA) | 0.7360% | 3,383 |
| Pretax return on assets | 1.1551% | 2,536 |
| Return on Equity (ROE) | 7.7216% | 3,014 |
| Retained earnings to average equity (ytd only) | -2.5876% | 6,309 |
| Net charge-offs to loans | 0.6997% | 2,097 |
| Credit loss provision to net charge-offs | 79.1513% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.9603% | 3,070 |
| Efficiency ratio | 56.1552% | 6,740 |
| Assets per employee ($millions) | 6.0857% | 1,203 |
| Cash dividends to net income (ytd only)* | 133.5113% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 5,622 |
| Loan loss allowance to noncurrent loans | 51.2630% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.5784% | 2,827 |
| Noncurrent loans to loans | 2.2968% | 3,388 |
| Net loans and leases to total assets | 74.5694% | 1,841 |
| Net loans and leases to deposits | 91.8083% | 1,637 |
| Net loans and leases to core deposits | 119.1073% | 820 |
| Total domestic deposits to total assets | 81.2229% | 5,373 |
| Equity capital to assets | 9.4911% | 4,547 |
| Core capital (leverage) ratio | 9.5090% | 3,750 |
| Tier 1 risk-based capital ratio | 11.7678% | 5,437 |
| Total risk-based capital ratio | 12.8830% | 5,505 |
| Memoranda: | ||
| Average total assets | $814,098,000 | 850 |
| Average earning assets | $767,134,500 | 817 |
| Average equity | $77,600,000 | 847 |
| Average total loans | $619,704,000 | 744 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2840% | 5,266 |
| Cost of funding earning assets | 2.1748% | 2,138 |
| Net interest margin | 3.1092% | 6,340 |
| Noninterest income to average assets | 0.3046% | 5,915 |
| Noninterest expense to average assets | 2.0932% | 7,198 |
| Loan and lease loss provision to assets | 0.4524% | 4,112 |
| Net operating income to assets | 0.4512% | 3,921 |
| Return on assets (ROA) | 0.4511% | 4,044 |
| Pretax return on assets | 0.7009% | 3,566 |
| Return on Equity (ROE) | 4.4739% | 3,897 |
| Retained earnings to average equity (ytd only) | 0.6616% | 4,536 |
| Net charge-offs to loans | 0.1958% | 5,420 |
| Credit loss provision to net charge-offs | 302.7027% | 1,093 |
| Earnings coverage of net charge-offs (x) | 7.7175% | 2,089 |
| Efficiency ratio | 64.4741% | 5,684 |
| Assets per employee ($millions) | 6.2517% | 1,108 |
| Cash dividends to net income (ytd only)* | 85.2109% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 5,382 |
| Loan loss allowance to noncurrent loans | 38.9805% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 2.4718% | 2,816 |
| Noncurrent loans to loans | 3.0712% | 2,500 |
| Net loans and leases to total assets | 75.8683% | 1,834 |
| Net loans and leases to deposits | 96.2086% | 1,309 |
| Net loans and leases to core deposits | 137.5581% | 892 |
| Total domestic deposits to total assets | 78.8581% | 6,019 |
| Equity capital to assets | 9.5731% | 4,316 |
| Core capital (leverage) ratio | 9.7382% | 3,399 |
| Tier 1 risk-based capital ratio | 11.9747% | 4,965 |
| Total risk-based capital ratio | 13.1350% | 5,011 |
| Memoranda: | ||
| Average total assets | $767,468,400 | 894 |
| Average earning assets | $726,191,400 | 860 |
| Average equity | $77,382,400 | 834 |
| Average total loans | $585,762,200 | 814 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 5,346 |
| Cost of funding earning assets | 2.2774% | 2,078 |
| Net interest margin | 3.0376% | 6,499 |
| Noninterest income to average assets | 0.2990% | 6,084 |
| Noninterest expense to average assets | 2.1030% | 7,190 |
| Loan and lease loss provision to assets | 0.3488% | 4,235 |
| Net operating income to assets | 0.4668% | 4,133 |
| Return on assets (ROA) | 0.4667% | 4,230 |
| Pretax return on assets | 0.7217% | 3,788 |
| Return on Equity (ROE) | 4.5670% | 4,129 |
| Retained earnings to average equity (ytd only) | 1.2026% | 4,652 |
| Net charge-offs to loans | 0.0768% | 5,911 |
| Credit loss provision to net charge-offs | 595.7831% | 645 |
| Earnings coverage of net charge-offs (x) | 18.2890% | 1,354 |
| Efficiency ratio | 66.2648% | 5,316 |
| Assets per employee ($millions) | 6.3670% | 1,049 |
| Cash dividends to net income (ytd only)* | 73.6683% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 5,451 |
| Loan loss allowance to noncurrent loans | 31.6186% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 2.8150% | 2,464 |
| Noncurrent loans to loans | 3.6160% | 2,064 |
| Net loans and leases to total assets | 73.7878% | 2,592 |
| Net loans and leases to deposits | 93.6871% | 1,933 |
| Net loans and leases to core deposits | 134.0562% | 1,204 |
| Total domestic deposits to total assets | 78.7598% | 5,879 |
| Equity capital to assets | 9.8038% | 4,346 |
| Core capital (leverage) ratio | 9.9277% | 3,370 |
| Tier 1 risk-based capital ratio | 12.6014% | 4,470 |
| Total risk-based capital ratio | 13.7131% | 4,526 |
| Memoranda: | ||
| Average total assets | $756,156,750 | 914 |
| Average earning assets | $715,593,500 | 883 |
| Average equity | $77,277,500 | 849 |
| Average total loans | $576,186,750 | 846 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3603% | 5,353 |
| Cost of funding earning assets | 2.3424% | 2,192 |
| Net interest margin | 3.0179% | 6,491 |
| Noninterest income to average assets | 0.2969% | 6,137 |
| Noninterest expense to average assets | 2.1058% | 7,264 |
| Loan and lease loss provision to assets | 0.3936% | 3,557 |
| Net operating income to assets | 0.4358% | 4,353 |
| Return on assets (ROA) | 0.4356% | 4,468 |
| Pretax return on assets | 0.6515% | 4,159 |
| Return on Equity (ROE) | 4.2011% | 4,415 |
| Retained earnings to average equity (ytd only) | -0.2129% | 5,275 |
| Net charge-offs to loans | 0.0796% | 5,411 |
| Credit loss provision to net charge-offs | 644.0529% | 722 |
| Earnings coverage of net charge-offs (x) | 17.1057% | 1,498 |
| Efficiency ratio | 66.8261% | 5,402 |
| Assets per employee ($millions) | 6.3623% | 1,025 |
| Cash dividends to net income (ytd only)* | 105.0680% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 5,747 |
| Loan loss allowance to noncurrent loans | 47.3649% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 1.7356% | 3,577 |
| Noncurrent loans to loans | 2.2752% | 3,166 |
| Net loans and leases to total assets | 75.4615% | 2,325 |
| Net loans and leases to deposits | 98.8883% | 1,406 |
| Net loans and leases to core deposits | 136.4343% | 1,188 |
| Total domestic deposits to total assets | 76.3099% | 6,485 |
| Equity capital to assets | 9.9390% | 4,035 |
| Core capital (leverage) ratio | 10.1890% | 3,110 |
| Tier 1 risk-based capital ratio | 12.6199% | 4,427 |
| Total risk-based capital ratio | 13.6729% | 4,506 |
| Memoranda: | ||
| Average total assets | $742,916,670 | 945 |
| Average earning assets | $702,616,000 | 912 |
| Average equity | $77,028,000 | 862 |
| Average total loans | $570,231,670 | 877 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4111% | 5,365 |
| Cost of funding earning assets | 2.4104% | 2,252 |
| Net interest margin | 3.0007% | 6,477 |
| Noninterest income to average assets | 0.2770% | 6,203 |
| Noninterest expense to average assets | 2.0290% | 7,283 |
| Loan and lease loss provision to assets | 0.2936% | 3,604 |
| Net operating income to assets | 0.5243% | 4,321 |
| Return on assets (ROA) | 0.5243% | 4,508 |
| Pretax return on assets | 0.7909% | 4,108 |
| Return on Equity (ROE) | 4.9474% | 4,491 |
| Retained earnings to average equity (ytd only) | -3.8873% | 6,412 |
| Net charge-offs to loans | 0.0086% | 5,535 |
| Credit loss provision to net charge-offs | 4,441.6667% | 165 |
| Earnings coverage of net charge-offs (x) | 164.0833% | 265 |
| Efficiency ratio | 65.1689% | 5,473 |
| Assets per employee ($millions) | 6.3070% | 1,040 |
| Cash dividends to net income (ytd only)* | 178.5714% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 6,238 |
| Loan loss allowance to noncurrent loans | 79.7046% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 4,786 |
| Noncurrent loans to loans | 1.2464% | 4,478 |
| Net loans and leases to total assets | 76.5392% | 2,151 |
| Net loans and leases to deposits | 101.6740% | 1,214 |
| Net loans and leases to core deposits | 140.5198% | 1,077 |
| Total domestic deposits to total assets | 75.2790% | 6,650 |
| Equity capital to assets | 10.3944% | 3,566 |
| Core capital (leverage) ratio | 10.4586% | 2,974 |
| Tier 1 risk-based capital ratio | 13.0578% | 4,157 |
| Total risk-based capital ratio | 14.0354% | 4,244 |
| Memoranda: | ||
| Average total assets | $726,276,500 | 964 |
| Average earning assets | $686,515,000 | 930 |
| Average equity | $76,969,000 | 858 |
| Average total loans | $559,292,000 | 902 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0985% | 5,051 |
| Cost of funding earning assets | 2.8216% | 2,620 |
| Net interest margin | 3.2768% | 6,113 |
| Noninterest income to average assets | 0.3426% | 5,997 |
| Noninterest expense to average assets | 2.1710% | 7,050 |
| Loan and lease loss provision to assets | 0.1994% | 4,900 |
| Net operating income to assets | 0.6973% | 3,904 |
| Return on assets (ROA) | 0.6919% | 3,760 |
| Pretax return on assets | 1.0603% | 3,180 |
| Return on Equity (ROE) | 7.1108% | 3,469 |
| Retained earnings to average equity (ytd only) | 3.1726% | 3,175 |
| Net charge-offs to loans | 0.1277% | 4,961 |
| Credit loss provision to net charge-offs | 203.9185% | 2,384 |
| Earnings coverage of net charge-offs (x) | 12.9655% | 2,187 |
| Efficiency ratio | 63.1290% | 5,755 |
| Assets per employee ($millions) | 5.9553% | 1,159 |
| Cash dividends to net income (ytd only)* | 55.3833% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 6,453 |
| Loan loss allowance to noncurrent loans | 104.3602% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 5,154 |
| Noncurrent loans to loans | 0.8996% | 4,826 |
| Net loans and leases to total assets | 75.9793% | 2,628 |
| Net loans and leases to deposits | 103.3211% | 1,424 |
| Net loans and leases to core deposits | 139.4752% | 1,294 |
| Total domestic deposits to total assets | 73.5371% | 6,731 |
| Equity capital to assets | 10.8077% | 3,198 |
| Core capital (leverage) ratio | 11.2820% | 2,384 |
| Tier 1 risk-based capital ratio | 13.5373% | 3,803 |
| Total risk-based capital ratio | 14.4494% | 3,910 |
| Memoranda: | ||
| Average total assets | $652,362,800 | 1,027 |
| Average earning assets | $616,448,600 | 979 |
| Average equity | $63,480,600 | 1,055 |
| Average total loans | $499,549,600 | 961 |