Home > Cornerstone Bank > Performance and Condition Ratios
Cornerstone Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3177% | 1,465 |
| Cost of funding earning assets | 2.0627% | 825 |
| Net interest margin | 3.2550% | 2,743 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.4287% | 2,500 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.1898% | 1,669 |
| Return on assets (ROA) | 1.2074% | 1,605 |
| Pretax return on assets | 1.2423% | 2,025 |
| Return on Equity (ROE) | 17.0200% | 946 |
| Retained earnings to average equity (ytd only) | 8.0514% | 1,518 |
| Net charge-offs to loans | -0.0005% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.5852% | 2,891 |
| Assets per employee ($millions) | 5.4286% | 3,308 |
| Cash dividends to net income (ytd only)* | 52.7049% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 2,962 |
| Loan loss allowance to noncurrent loans | 1,424.2545% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 3,210 |
| Noncurrent loans to loans | 0.0754% | 3,184 |
| Net loans and leases to total assets | 73.6600% | 1,405 |
| Net loans and leases to deposits | 87.9103% | 1,444 |
| Net loans and leases to core deposits | 112.9146% | 849 |
| Total domestic deposits to total assets | 83.7900% | 2,675 |
| Equity capital to assets | 7.0801% | 3,909 |
| Core capital (leverage) ratio | 8.5146% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2247% | 2,777 |
| Memoranda: | ||
| Average total assets | $2,478,686,600 | 472 |
| Average earning assets | $2,308,215,200 | 462 |
| Average equity | $175,795,200 | 601 |
| Average total loans | $1,819,759,000 | 437 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 1,455 |
| Cost of funding earning assets | 1.8497% | 930 |
| Net interest margin | 3.3472% | 2,577 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 2.4655% | 2,331 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.2684% | 1,612 |
| Return on assets (ROA) | 1.2822% | 1,573 |
| Pretax return on assets | 1.3169% | 1,989 |
| Return on Equity (ROE) | 18.0700% | 943 |
| Retained earnings to average equity (ytd only) | 9.5905% | 1,521 |
| Net charge-offs to loans | -0.0017% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.9198% | 2,854 |
| Assets per employee ($millions) | 5.1892% | 3,441 |
| Cash dividends to net income (ytd only)* | 46.9252% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,020 |
| Loan loss allowance to noncurrent loans | 418.4704% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 2,319 |
| Noncurrent loans to loans | 0.2556% | 2,323 |
| Net loans and leases to total assets | 74.1600% | 1,323 |
| Net loans and leases to deposits | 88.4081% | 1,350 |
| Net loans and leases to core deposits | 108.3704% | 931 |
| Total domestic deposits to total assets | 83.8800% | 2,807 |
| Equity capital to assets | 6.8632% | 3,681 |
| Core capital (leverage) ratio | 8.6933% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6795% | 2,688 |
| Memoranda: | ||
| Average total assets | $2,426,564,250 | 488 |
| Average earning assets | $2,262,529,750 | 473 |
| Average equity | $172,180,250 | 605 |
| Average total loans | $1,774,491,000 | 446 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 1,568 |
| Cost of funding earning assets | 1.5805% | 1,108 |
| Net interest margin | 3.4182% | 2,477 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.5119% | 2,175 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.3251% | 1,503 |
| Return on assets (ROA) | 1.3395% | 1,459 |
| Pretax return on assets | 1.3742% | 1,878 |
| Return on Equity (ROE) | 18.6600% | 878 |
| Retained earnings to average equity (ytd only) | 8.5248% | 1,810 |
| Net charge-offs to loans | -0.0023% | 3,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.8084% | 2,861 |
| Assets per employee ($millions) | 5.1052% | 3,502 |
| Cash dividends to net income (ytd only)* | 54.3207% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,144 |
| Loan loss allowance to noncurrent loans | 352.8347% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 2,086 |
| Noncurrent loans to loans | 0.3001% | 2,055 |
| Net loans and leases to total assets | 72.9600% | 1,416 |
| Net loans and leases to deposits | 87.7787% | 1,363 |
| Net loans and leases to core deposits | 96.1871% | 1,457 |
| Total domestic deposits to total assets | 83.1200% | 3,018 |
| Equity capital to assets | 7.0575% | 3,763 |
| Core capital (leverage) ratio | 8.8640% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7898% | 2,682 |
| Memoranda: | ||
| Average total assets | $2,391,301,667 | 481 |
| Average earning assets | $2,223,596,000 | 468 |
| Average equity | $171,640,000 | 600 |
| Average total loans | $1,733,258,000 | 442 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1418% | 1,368 |
| Cost of funding earning assets | 0.5026% | 1,371 |
| Net interest margin | 3.6391% | 1,521 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.6578% | 1,656 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.4530% | 999 |
| Return on assets (ROA) | 1.4495% | 966 |
| Pretax return on assets | 1.4866% | 1,495 |
| Return on Equity (ROE) | 17.8300% | 729 |
| Retained earnings to average equity (ytd only) | 8.7514% | 1,549 |
| Net charge-offs to loans | -0.0535% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.6666% | 2,963 |
| Assets per employee ($millions) | 4.7858% | 3,828 |
| Cash dividends to net income (ytd only)* | 50.9265% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,018 |
| Loan loss allowance to noncurrent loans | 1,138.7280% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,135 |
| Noncurrent loans to loans | 0.0943% | 3,089 |
| Net loans and leases to total assets | 70.1700% | 1,624 |
| Net loans and leases to deposits | 84.3259% | 1,444 |
| Net loans and leases to core deposits | 88.2164% | 1,596 |
| Total domestic deposits to total assets | 83.2100% | 3,373 |
| Equity capital to assets | 7.0823% | 3,626 |
| Core capital (leverage) ratio | 8.9526% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,174,196,800 | 515 |
| Average earning assets | $2,021,894,000 | 503 |
| Average equity | $176,725,000 | 585 |
| Average total loans | $1,515,674,200 | 472 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9190% | 1,440 |
| Cost of funding earning assets | 0.3486% | 1,718 |
| Net interest margin | 3.5704% | 1,460 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.6522% | 1,586 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.4143% | 1,044 |
| Return on assets (ROA) | 1.4042% | 1,052 |
| Pretax return on assets | 1.4457% | 1,577 |
| Return on Equity (ROE) | 16.6800% | 859 |
| Retained earnings to average equity (ytd only) | 6.9483% | 2,378 |
| Net charge-offs to loans | -0.0733% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.0368% | 2,965 |
| Assets per employee ($millions) | 4.5326% | 4,030 |
| Cash dividends to net income (ytd only)* | 58.3318% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 2,924 |
| Loan loss allowance to noncurrent loans | 716.9355% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 2,850 |
| Noncurrent loans to loans | 0.1561% | 2,829 |
| Net loans and leases to total assets | 70.4500% | 1,445 |
| Net loans and leases to deposits | 83.0581% | 1,361 |
| Net loans and leases to core deposits | 87.9258% | 1,417 |
| Total domestic deposits to total assets | 84.8200% | 3,328 |
| Equity capital to assets | 7.2556% | 3,370 |
| Core capital (leverage) ratio | 9.1150% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,124,309,750 | 522 |
| Average earning assets | $1,985,214,500 | 511 |
| Average equity | $178,877,500 | 587 |
| Average total loans | $1,473,658,000 | 482 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 1,591 |
| Cost of funding earning assets | 0.2781% | 1,923 |
| Net interest margin | 3.4024% | 1,599 |
| Noninterest income to average assets | 0.8316% | 981 |
| Noninterest expense to average assets | 2.6218% | 1,573 |
| Loan and lease loss provision to assets | 0.0570% | 1,562 |
| Net operating income to assets | 1.2962% | 1,147 |
| Return on assets (ROA) | 1.2800% | 1,182 |
| Pretax return on assets | 1.3222% | 1,676 |
| Return on Equity (ROE) | 14.4878% | 1,004 |
| Retained earnings to average equity (ytd only) | 6.0357% | 2,324 |
| Net charge-offs to loans | -0.1172% | 4,485 |
| Credit loss provision to net charge-offs | -70.7491% | 3,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4696% | 2,983 |
| Assets per employee ($millions) | 4.3027% | 4,203 |
| Cash dividends to net income (ytd only)* | 58.3396% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,809 |
| Loan loss allowance to noncurrent loans | 683.3724% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 2,862 |
| Noncurrent loans to loans | 0.1722% | 2,833 |
| Net loans and leases to total assets | 69.4357% | 1,351 |
| Net loans and leases to deposits | 78.8047% | 1,482 |
| Net loans and leases to core deposits | 84.4604% | 1,423 |
| Total domestic deposits to total assets | 88.1111% | 2,530 |
| Equity capital to assets | 8.2363% | 2,955 |
| Core capital (leverage) ratio | 9.3109% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,089,064,667 | 521 |
| Average earning assets | $1,956,242,667 | 519 |
| Average equity | $184,568,667 | 578 |
| Average total loans | $1,435,290,333 | 487 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 1,829 |
| Cost of funding earning assets | 0.2707% | 1,922 |
| Net interest margin | 3.2242% | 1,806 |
| Noninterest income to average assets | 0.8291% | 973 |
| Noninterest expense to average assets | 2.6331% | 1,515 |
| Loan and lease loss provision to assets | 0.0571% | 1,370 |
| Net operating income to assets | 1.1146% | 1,491 |
| Return on assets (ROA) | 1.1014% | 1,517 |
| Pretax return on assets | 1.1440% | 2,005 |
| Return on Equity (ROE) | 12.0502% | 1,302 |
| Retained earnings to average equity (ytd only) | 3.8255% | 3,001 |
| Net charge-offs to loans | -0.1791% | 4,583 |
| Credit loss provision to net charge-offs | -46.9097% | 2,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4744% | 2,839 |
| Assets per employee ($millions) | 4.2559% | 4,278 |
| Cash dividends to net income (ytd only)* | 68.2534% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,905 |
| Loan loss allowance to noncurrent loans | 1,220.3159% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,394 |
| Noncurrent loans to loans | 0.0975% | 3,355 |
| Net loans and leases to total assets | 67.3877% | 1,272 |
| Net loans and leases to deposits | 74.0475% | 1,607 |
| Net loans and leases to core deposits | 78.9758% | 1,555 |
| Total domestic deposits to total assets | 91.0060% | 1,027 |
| Equity capital to assets | 8.7207% | 2,957 |
| Core capital (leverage) ratio | 9.1849% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,075,122,500 | 529 |
| Average earning assets | $1,942,921,500 | 524 |
| Average equity | $189,673,500 | 578 |
| Average total loans | $1,409,222,500 | 490 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 1,435 |
| Cost of funding earning assets | 0.4703% | 1,060 |
| Net interest margin | 3.4986% | 1,733 |
| Noninterest income to average assets | 0.8761% | 1,268 |
| Noninterest expense to average assets | 2.7781% | 1,416 |
| Loan and lease loss provision to assets | 0.0810% | 1,508 |
| Net operating income to assets | 1.2292% | 1,820 |
| Return on assets (ROA) | 1.2429% | 1,823 |
| Pretax return on assets | 1.2834% | 2,407 |
| Return on Equity (ROE) | 12.7511% | 1,545 |
| Retained earnings to average equity (ytd only) | 5.5847% | 2,524 |
| Net charge-offs to loans | 0.0663% | 1,129 |
| Credit loss provision to net charge-offs | 172.0430% | 1,401 |
| Earnings coverage of net charge-offs (x) | 28.6817% | 1,640 |
| Efficiency ratio | 64.2249% | 2,524 |
| Assets per employee ($millions) | 4.1796% | 4,334 |
| Cash dividends to net income (ytd only)* | 56.2027% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 3,096 |
| Loan loss allowance to noncurrent loans | 1,060.8581% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 3,439 |
| Noncurrent loans to loans | 0.1090% | 3,381 |
| Net loans and leases to total assets | 66.8343% | 1,394 |
| Net loans and leases to deposits | 74.1691% | 1,710 |
| Net loans and leases to core deposits | 79.9661% | 1,599 |
| Total domestic deposits to total assets | 90.1106% | 907 |
| Equity capital to assets | 9.5676% | 3,077 |
| Core capital (leverage) ratio | 9.4365% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,975,464,600 | 539 |
| Average earning assets | $1,836,365,400 | 538 |
| Average equity | $192,563,400 | 562 |
| Average total loans | $1,402,755,400 | 490 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 1,305 |
| Cost of funding earning assets | 0.5087% | 1,007 |
| Net interest margin | 3.5904% | 1,621 |
| Noninterest income to average assets | 0.8570% | 1,358 |
| Noninterest expense to average assets | 2.7472% | 1,467 |
| Loan and lease loss provision to assets | 0.0901% | 1,332 |
| Net operating income to assets | 1.3106% | 1,793 |
| Return on assets (ROA) | 1.3241% | 1,807 |
| Pretax return on assets | 1.3663% | 2,447 |
| Return on Equity (ROE) | 13.5176% | 1,547 |
| Retained earnings to average equity (ytd only) | 6.6255% | 2,568 |
| Net charge-offs to loans | 0.0520% | 1,138 |
| Credit loss provision to net charge-offs | 241.0584% | 1,120 |
| Earnings coverage of net charge-offs (x) | 38.6022% | 1,393 |
| Efficiency ratio | 62.5006% | 2,611 |
| Assets per employee ($millions) | 3.9463% | 4,478 |
| Cash dividends to net income (ytd only)* | 50.9862% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 3,256 |
| Loan loss allowance to noncurrent loans | 792.1156% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 3,417 |
| Noncurrent loans to loans | 0.1438% | 3,394 |
| Net loans and leases to total assets | 70.8407% | 1,007 |
| Net loans and leases to deposits | 78.9989% | 1,385 |
| Net loans and leases to core deposits | 86.0386% | 1,293 |
| Total domestic deposits to total assets | 89.6730% | 929 |
| Equity capital to assets | 9.9372% | 2,962 |
| Core capital (leverage) ratio | 9.5324% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,955,240,250 | 547 |
| Average earning assets | $1,814,924,750 | 550 |
| Average equity | $191,518,000 | 569 |
| Average total loans | $1,405,837,500 | 495 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9482% | 1,683 |
| Cost of funding earning assets | 0.5446% | 968 |
| Net interest margin | 3.4036% | 2,130 |
| Noninterest income to average assets | 0.8460% | 1,402 |
| Noninterest expense to average assets | 2.6825% | 1,636 |
| Loan and lease loss provision to assets | 0.1070% | 1,173 |
| Net operating income to assets | 1.1721% | 2,291 |
| Return on assets (ROA) | 1.1850% | 2,306 |
| Pretax return on assets | 1.2272% | 2,837 |
| Return on Equity (ROE) | 12.1578% | 1,994 |
| Retained earnings to average equity (ytd only) | 5.8333% | 2,883 |
| Net charge-offs to loans | 0.0069% | 1,890 |
| Credit loss provision to net charge-offs | 2,168.7500% | 275 |
| Earnings coverage of net charge-offs (x) | 267.8333% | 407 |
| Efficiency ratio | 63.7983% | 2,456 |
| Assets per employee ($millions) | 3.9599% | 4,471 |
| Cash dividends to net income (ytd only)* | 52.0201% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,981 |
| Loan loss allowance to noncurrent loans | 810.4301% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 3,536 |
| Noncurrent loans to loans | 0.1471% | 3,470 |
| Net loans and leases to total assets | 68.8937% | 1,338 |
| Net loans and leases to deposits | 76.7889% | 1,743 |
| Net loans and leases to core deposits | 83.8504% | 1,576 |
| Total domestic deposits to total assets | 89.7183% | 911 |
| Equity capital to assets | 9.8083% | 3,046 |
| Core capital (leverage) ratio | 9.1148% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,946,646,000 | 542 |
| Average earning assets | $1,805,803,000 | 545 |
| Average equity | $189,738,000 | 568 |
| Average total loans | $1,401,268,333 | 496 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 2,408 |
| Cost of funding earning assets | 0.5843% | 943 |
| Net interest margin | 3.0963% | 2,999 |
| Noninterest income to average assets | 0.8372% | 1,498 |
| Noninterest expense to average assets | 2.6607% | 1,715 |
| Loan and lease loss provision to assets | 0.1071% | 1,284 |
| Net operating income to assets | 0.8923% | 3,147 |
| Return on assets (ROA) | 0.9218% | 3,149 |
| Pretax return on assets | 0.9640% | 3,469 |
| Return on Equity (ROE) | 9.4883% | 2,861 |
| Retained earnings to average equity (ytd only) | 3.1017% | 3,748 |
| Net charge-offs to loans | -0.0062% | 3,478 |
| Credit loss provision to net charge-offs | -2,354.5455% | 3,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4475% | 1,876 |
| Assets per employee ($millions) | 4.0846% | 4,427 |
| Cash dividends to net income (ytd only)* | 67.3098% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 3,343 |
| Loan loss allowance to noncurrent loans | 150.3111% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 1,795 |
| Noncurrent loans to loans | 0.7448% | 1,746 |
| Net loans and leases to total assets | 70.3518% | 1,242 |
| Net loans and leases to deposits | 77.8526% | 1,735 |
| Net loans and leases to core deposits | 85.0373% | 1,588 |
| Total domestic deposits to total assets | 90.3654% | 636 |
| Equity capital to assets | 9.2925% | 3,397 |
| Core capital (leverage) ratio | 9.1036% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,933,950,500 | 540 |
| Average earning assets | $1,788,731,000 | 547 |
| Average equity | $187,895,500 | 568 |
| Average total loans | $1,414,400,500 | 495 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4907% | 1,336 |
| Cost of funding earning assets | 0.9000% | 859 |
| Net interest margin | 3.5907% | 2,169 |
| Noninterest income to average assets | 0.9104% | 1,237 |
| Noninterest expense to average assets | 2.8539% | 1,809 |
| Loan and lease loss provision to assets | 0.0674% | 3,536 |
| Net operating income to assets | 1.2616% | 1,355 |
| Return on assets (ROA) | 1.2592% | 1,467 |
| Pretax return on assets | 1.3004% | 1,977 |
| Return on Equity (ROE) | 12.0992% | 1,297 |
| Retained earnings to average equity (ytd only) | 5.6233% | 1,983 |
| Net charge-offs to loans | 0.0243% | 2,553 |
| Credit loss provision to net charge-offs | 363.6364% | 1,547 |
| Earnings coverage of net charge-offs (x) | 73.9364% | 941 |
| Efficiency ratio | 64.9892% | 2,683 |
| Assets per employee ($millions) | 3.9543% | 4,407 |
| Cash dividends to net income (ytd only)* | 53.5236% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,477 |
| Loan loss allowance to noncurrent loans | 145.9905% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 1,865 |
| Noncurrent loans to loans | 0.7510% | 1,822 |
| Net loans and leases to total assets | 74.4408% | 966 |
| Net loans and leases to deposits | 83.2343% | 1,523 |
| Net loans and leases to core deposits | 92.0509% | 1,381 |
| Total domestic deposits to total assets | 89.4352% | 793 |
| Equity capital to assets | 10.1693% | 2,964 |
| Core capital (leverage) ratio | 9.9992% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,780,538,000 | 533 |
| Average earning assets | $1,643,232,600 | 530 |
| Average equity | $185,300,800 | 547 |
| Average total loans | $1,357,196,000 | 495 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 1,265 |
| Cost of funding earning assets | 0.9568% | 890 |
| Net interest margin | 3.6581% | 2,073 |
| Noninterest income to average assets | 0.9121% | 1,191 |
| Noninterest expense to average assets | 2.8666% | 1,784 |
| Loan and lease loss provision to assets | 0.0680% | 3,477 |
| Net operating income to assets | 1.3211% | 1,310 |
| Return on assets (ROA) | 1.3141% | 1,410 |
| Pretax return on assets | 1.3551% | 1,865 |
| Return on Equity (ROE) | 12.5508% | 1,233 |
| Retained earnings to average equity (ytd only) | 6.0354% | 2,092 |
| Net charge-offs to loans | 0.0057% | 2,933 |
| Credit loss provision to net charge-offs | 1,548.2759% | 600 |
| Earnings coverage of net charge-offs (x) | 325.3793% | 332 |
| Efficiency ratio | 64.1466% | 2,708 |
| Assets per employee ($millions) | 3.8484% | 4,442 |
| Cash dividends to net income (ytd only)* | 51.9121% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 3,299 |
| Loan loss allowance to noncurrent loans | 127.1990% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 1,777 |
| Noncurrent loans to loans | 0.8499% | 1,734 |
| Net loans and leases to total assets | 75.9830% | 1,099 |
| Net loans and leases to deposits | 89.0744% | 1,361 |
| Net loans and leases to core deposits | 99.2009% | 1,219 |
| Total domestic deposits to total assets | 85.3029% | 2,315 |
| Equity capital to assets | 10.1582% | 3,095 |
| Core capital (leverage) ratio | 10.1537% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,759,063,250 | 531 |
| Average earning assets | $1,627,683,000 | 526 |
| Average equity | $184,175,000 | 540 |
| Average total loans | $1,345,296,750 | 489 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 1,357 |
| Cost of funding earning assets | 1.0281% | 906 |
| Net interest margin | 3.6941% | 2,183 |
| Noninterest income to average assets | 0.9103% | 1,140 |
| Noninterest expense to average assets | 2.8791% | 1,883 |
| Loan and lease loss provision to assets | 0.0691% | 3,425 |
| Net operating income to assets | 1.3268% | 1,286 |
| Return on assets (ROA) | 1.3158% | 1,423 |
| Pretax return on assets | 1.3571% | 1,844 |
| Return on Equity (ROE) | 12.4349% | 1,233 |
| Retained earnings to average equity (ytd only) | 5.8735% | 2,134 |
| Net charge-offs to loans | 0.0097% | 2,598 |
| Credit loss provision to net charge-offs | 932.8125% | 827 |
| Earnings coverage of net charge-offs (x) | 194.1094% | 468 |
| Efficiency ratio | 64.0870% | 2,811 |
| Assets per employee ($millions) | 3.7019% | 4,546 |
| Cash dividends to net income (ytd only)* | 52.7658% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,059 |
| Loan loss allowance to noncurrent loans | 124.9274% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 1,793 |
| Noncurrent loans to loans | 0.8808% | 1,733 |
| Net loans and leases to total assets | 76.8446% | 1,016 |
| Net loans and leases to deposits | 86.2456% | 1,736 |
| Net loans and leases to core deposits | 98.1511% | 1,399 |
| Total domestic deposits to total assets | 89.0998% | 713 |
| Equity capital to assets | 10.5431% | 2,712 |
| Core capital (leverage) ratio | 9.9088% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,728,391,000 | 530 |
| Average earning assets | $1,593,751,000 | 525 |
| Average equity | $182,888,000 | 541 |
| Average total loans | $1,319,769,333 | 491 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 1,521 |
| Cost of funding earning assets | 1.0869% | 1,088 |
| Net interest margin | 3.6771% | 2,412 |
| Noninterest income to average assets | 0.9201% | 1,028 |
| Noninterest expense to average assets | 2.9305% | 2,047 |
| Loan and lease loss provision to assets | 0.0696% | 2,873 |
| Net operating income to assets | 1.2446% | 1,391 |
| Return on assets (ROA) | 1.2108% | 1,593 |
| Pretax return on assets | 1.2520% | 2,029 |
| Return on Equity (ROE) | 11.4219% | 1,284 |
| Retained earnings to average equity (ytd only) | 4.8082% | 2,362 |
| Net charge-offs to loans | 0.0309% | 1,766 |
| Credit loss provision to net charge-offs | 298.0000% | 1,192 |
| Earnings coverage of net charge-offs (x) | 58.0400% | 819 |
| Efficiency ratio | 65.6327% | 3,015 |
| Assets per employee ($millions) | 3.5250% | 4,464 |
| Cash dividends to net income (ytd only)* | 57.9039% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 3,057 |
| Loan loss allowance to noncurrent loans | 98.5878% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9426% | 1,413 |
| Noncurrent loans to loans | 1.1443% | 1,451 |
| Net loans and leases to total assets | 76.4579% | 1,220 |
| Net loans and leases to deposits | 86.1165% | 1,983 |
| Net loans and leases to core deposits | 99.3428% | 1,527 |
| Total domestic deposits to total assets | 88.7842% | 762 |
| Equity capital to assets | 10.8249% | 3,025 |
| Core capital (leverage) ratio | 10.1911% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,711,530,000 | 523 |
| Average earning assets | $1,567,094,000 | 518 |
| Average equity | $181,441,500 | 542 |
| Average total loans | $1,295,077,000 | 480 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 1,771 |
| Cost of funding earning assets | 1.1791% | 1,073 |
| Net interest margin | 3.7138% | 2,775 |
| Noninterest income to average assets | 0.9402% | 1,094 |
| Noninterest expense to average assets | 2.8569% | 2,424 |
| Loan and lease loss provision to assets | 0.0715% | 2,570 |
| Net operating income to assets | 1.3494% | 1,506 |
| Return on assets (ROA) | 1.3563% | 1,566 |
| Pretax return on assets | 1.3974% | 2,175 |
| Return on Equity (ROE) | 13.0597% | 1,149 |
| Retained earnings to average equity (ytd only) | 6.3492% | 1,695 |
| Net charge-offs to loans | 0.0946% | 1,782 |
| Credit loss provision to net charge-offs | 102.4765% | 2,419 |
| Earnings coverage of net charge-offs (x) | 20.9582% | 1,909 |
| Efficiency ratio | 63.5465% | 3,135 |
| Assets per employee ($millions) | 3.5618% | 4,420 |
| Cash dividends to net income (ytd only)* | 51.3834% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 2,780 |
| Loan loss allowance to noncurrent loans | 130.6835% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 1,982 |
| Noncurrent loans to loans | 0.8657% | 1,778 |
| Net loans and leases to total assets | 73.2117% | 1,890 |
| Net loans and leases to deposits | 85.1363% | 2,193 |
| Net loans and leases to core deposits | 97.9623% | 1,729 |
| Total domestic deposits to total assets | 85.9936% | 2,071 |
| Equity capital to assets | 10.3834% | 3,560 |
| Core capital (leverage) ratio | 10.3076% | 3,184 |
| Tier 1 risk-based capital ratio | 12.1250% | 4,286 |
| Total risk-based capital ratio | 13.1697% | 4,284 |
| Memoranda: | ||
| Average total assets | $1,678,886,800 | 503 |
| Average earning assets | $1,527,304,400 | 507 |
| Average equity | $174,353,400 | 529 |
| Average total loans | $1,237,337,200 | 484 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 1,778 |
| Cost of funding earning assets | 1.1850% | 1,073 |
| Net interest margin | 3.7285% | 2,827 |
| Noninterest income to average assets | 0.9305% | 1,077 |
| Noninterest expense to average assets | 2.8684% | 2,350 |
| Loan and lease loss provision to assets | 0.0719% | 2,439 |
| Net operating income to assets | 1.3443% | 1,662 |
| Return on assets (ROA) | 1.3528% | 1,702 |
| Pretax return on assets | 1.3940% | 2,333 |
| Return on Equity (ROE) | 13.0257% | 1,272 |
| Retained earnings to average equity (ytd only) | 6.3174% | 2,212 |
| Net charge-offs to loans | 0.0418% | 2,261 |
| Credit loss provision to net charge-offs | 233.8542% | 1,152 |
| Earnings coverage of net charge-offs (x) | 47.3878% | 1,237 |
| Efficiency ratio | 63.7348% | 3,055 |
| Assets per employee ($millions) | 3.4647% | 4,534 |
| Cash dividends to net income (ytd only)* | 51.5006% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,481 |
| Loan loss allowance to noncurrent loans | 221.9152% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 2,884 |
| Noncurrent loans to loans | 0.5424% | 2,669 |
| Net loans and leases to total assets | 73.9639% | 1,827 |
| Net loans and leases to deposits | 85.5754% | 2,253 |
| Net loans and leases to core deposits | 98.9335% | 1,750 |
| Total domestic deposits to total assets | 86.4313% | 1,807 |
| Equity capital to assets | 10.6494% | 3,418 |
| Core capital (leverage) ratio | 10.4025% | 3,196 |
| Tier 1 risk-based capital ratio | 12.4849% | 4,153 |
| Total risk-based capital ratio | 13.6043% | 4,104 |
| Memoranda: | ||
| Average total assets | $1,664,962,500 | 512 |
| Average earning assets | $1,516,086,000 | 509 |
| Average equity | $172,914,750 | 536 |
| Average total loans | $1,225,558,750 | 488 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 1,826 |
| Cost of funding earning assets | 1.1616% | 1,099 |
| Net interest margin | 3.7157% | 2,885 |
| Noninterest income to average assets | 0.9108% | 1,058 |
| Noninterest expense to average assets | 2.8354% | 2,464 |
| Loan and lease loss provision to assets | 0.0715% | 2,384 |
| Net operating income to assets | 1.3427% | 1,609 |
| Return on assets (ROA) | 1.3501% | 1,641 |
| Pretax return on assets | 1.3916% | 2,233 |
| Return on Equity (ROE) | 13.1112% | 1,203 |
| Retained earnings to average equity (ytd only) | 6.6350% | 1,987 |
| Net charge-offs to loans | 0.0158% | 2,579 |
| Credit loss provision to net charge-offs | 619.7917% | 512 |
| Earnings coverage of net charge-offs (x) | 126.1667% | 577 |
| Efficiency ratio | 63.5134% | 3,214 |
| Assets per employee ($millions) | 3.4187% | 4,586 |
| Cash dividends to net income (ytd only)* | 49.3948% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,375 |
| Loan loss allowance to noncurrent loans | 203.9978% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 2,732 |
| Noncurrent loans to loans | 0.6015% | 2,466 |
| Net loans and leases to total assets | 73.4433% | 1,977 |
| Net loans and leases to deposits | 84.2487% | 2,468 |
| Net loans and leases to core deposits | 96.8761% | 1,992 |
| Total domestic deposits to total assets | 87.1744% | 1,509 |
| Equity capital to assets | 10.6341% | 3,404 |
| Core capital (leverage) ratio | 10.1851% | 3,399 |
| Tier 1 risk-based capital ratio | 12.4990% | 4,124 |
| Total risk-based capital ratio | 13.6389% | 4,070 |
| Memoranda: | ||
| Average total assets | $1,664,447,000 | 508 |
| Average earning assets | $1,514,061,330 | 507 |
| Average equity | $171,395,000 | 540 |
| Average total loans | $1,218,201,000 | 489 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 1,767 |
| Cost of funding earning assets | 1.1325% | 1,086 |
| Net interest margin | 3.7186% | 2,820 |
| Noninterest income to average assets | 0.9605% | 897 |
| Noninterest expense to average assets | 2.8243% | 2,483 |
| Loan and lease loss provision to assets | 0.0707% | 2,247 |
| Net operating income to assets | 1.3869% | 1,414 |
| Return on assets (ROA) | 1.4025% | 1,401 |
| Pretax return on assets | 1.4440% | 1,943 |
| Return on Equity (ROE) | 13.8418% | 1,002 |
| Retained earnings to average equity (ytd only) | 8.8907% | 1,357 |
| Net charge-offs to loans | -0.0145% | 4,366 |
| Credit loss provision to net charge-offs | -672.7273% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8391% | 3,401 |
| Assets per employee ($millions) | 3.3387% | 4,706 |
| Cash dividends to net income (ytd only)* | 35.7690% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,372 |
| Loan loss allowance to noncurrent loans | 222.5671% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 2,795 |
| Noncurrent loans to loans | 0.5581% | 2,650 |
| Net loans and leases to total assets | 71.8433% | 2,193 |
| Net loans and leases to deposits | 80.6018% | 2,766 |
| Net loans and leases to core deposits | 94.9108% | 2,036 |
| Total domestic deposits to total assets | 89.1336% | 801 |
| Equity capital to assets | 10.4791% | 3,362 |
| Core capital (leverage) ratio | 9.9377% | 3,670 |
| Tier 1 risk-based capital ratio | 12.4990% | 4,168 |
| Total risk-based capital ratio | 13.6431% | 4,104 |
| Memoranda: | ||
| Average total assets | $1,674,477,500 | 507 |
| Average earning assets | $1,514,129,500 | 507 |
| Average equity | $169,659,500 | 540 |
| Average total loans | $1,215,955,000 | 493 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 1,903 |
| Cost of funding earning assets | 0.9185% | 1,031 |
| Net interest margin | 3.7604% | 2,825 |
| Noninterest income to average assets | 0.9796% | 986 |
| Noninterest expense to average assets | 2.8751% | 2,438 |
| Loan and lease loss provision to assets | 0.1237% | 1,784 |
| Net operating income to assets | 1.3643% | 1,557 |
| Return on assets (ROA) | 1.3582% | 1,571 |
| Pretax return on assets | 1.3989% | 2,143 |
| Return on Equity (ROE) | 14.1600% | 1,009 |
| Retained earnings to average equity (ytd only) | 14.1600% | 159 |
| Net charge-offs to loans | 0.0233% | 2,944 |
| Credit loss provision to net charge-offs | 714.2857% | 495 |
| Earnings coverage of net charge-offs (x) | 88.2929% | 807 |
| Efficiency ratio | 62.9266% | 3,359 |
| Assets per employee ($millions) | 3.4965% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,709 |
| Loan loss allowance to noncurrent loans | 423.9404% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 3,566 |
| Noncurrent loans to loans | 0.2766% | 3,575 |
| Net loans and leases to total assets | 71.6419% | 2,323 |
| Net loans and leases to deposits | 81.0475% | 2,846 |
| Net loans and leases to core deposits | 95.2219% | 2,115 |
| Total domestic deposits to total assets | 88.3950% | 1,121 |
| Equity capital to assets | 9.7980% | 3,863 |
| Core capital (leverage) ratio | 9.8318% | 3,768 |
| Tier 1 risk-based capital ratio | 11.7758% | 4,581 |
| Total risk-based capital ratio | 12.8563% | 4,554 |
| Memoranda: | ||
| Average total assets | $1,616,934,400 | 507 |
| Average earning assets | $1,472,455,400 | 511 |
| Average equity | $155,092,200 | 557 |
| Average total loans | $1,203,798,200 | 483 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 1,934 |
| Cost of funding earning assets | 0.8563% | 1,088 |
| Net interest margin | 3.7602% | 2,790 |
| Noninterest income to average assets | 0.9982% | 962 |
| Noninterest expense to average assets | 2.8334% | 2,521 |
| Loan and lease loss provision to assets | 0.1254% | 1,603 |
| Net operating income to assets | 1.4473% | 1,336 |
| Return on assets (ROA) | 1.4473% | 1,338 |
| Pretax return on assets | 1.4878% | 1,938 |
| Return on Equity (ROE) | 15.1760% | 840 |
| Retained earnings to average equity (ytd only) | 15.1760% | 170 |
| Net charge-offs to loans | 0.0138% | 2,930 |
| Credit loss provision to net charge-offs | 1,209.6774% | 336 |
| Earnings coverage of net charge-offs (x) | 155.5960% | 529 |
| Efficiency ratio | 61.4073% | 3,598 |
| Assets per employee ($millions) | 3.3314% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,811 |
| Loan loss allowance to noncurrent loans | 267.7572% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 3,097 |
| Noncurrent loans to loans | 0.4358% | 3,093 |
| Net loans and leases to total assets | 74.0700% | 1,969 |
| Net loans and leases to deposits | 86.8414% | 2,277 |
| Net loans and leases to core deposits | 103.0573% | 1,528 |
| Total domestic deposits to total assets | 85.2934% | 2,490 |
| Equity capital to assets | 9.9605% | 3,687 |
| Core capital (leverage) ratio | 9.8653% | 3,779 |
| Tier 1 risk-based capital ratio | 11.8786% | 4,568 |
| Total risk-based capital ratio | 12.9673% | 4,546 |
| Memoranda: | ||
| Average total assets | $1,594,595,000 | 509 |
| Average earning assets | $1,462,408,000 | 508 |
| Average equity | $152,069,500 | 560 |
| Average total loans | $1,195,517,000 | 483 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5520% | 1,932 |
| Cost of funding earning assets | 0.7856% | 1,199 |
| Net interest margin | 3.7664% | 2,689 |
| Noninterest income to average assets | 0.9937% | 974 |
| Noninterest expense to average assets | 2.7999% | 2,659 |
| Loan and lease loss provision to assets | 0.1261% | 1,575 |
| Net operating income to assets | 1.4751% | 1,213 |
| Return on assets (ROA) | 1.4751% | 1,213 |
| Pretax return on assets | 1.5158% | 1,758 |
| Return on Equity (ROE) | 15.7057% | 728 |
| Retained earnings to average equity (ytd only) | 15.7057% | 169 |
| Net charge-offs to loans | -0.0008% | 3,881 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7186% | 3,809 |
| Assets per employee ($millions) | 3.3056% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 2,939 |
| Loan loss allowance to noncurrent loans | 301.5089% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 3,295 |
| Noncurrent loans to loans | 0.3842% | 3,320 |
| Net loans and leases to total assets | 74.3022% | 1,895 |
| Net loans and leases to deposits | 88.1728% | 2,090 |
| Net loans and leases to core deposits | 102.5206% | 1,527 |
| Total domestic deposits to total assets | 84.2689% | 2,967 |
| Equity capital to assets | 9.8488% | 3,774 |
| Core capital (leverage) ratio | 9.5934% | 4,001 |
| Tier 1 risk-based capital ratio | 11.6630% | 4,709 |
| Total risk-based capital ratio | 12.7461% | 4,689 |
| Memoranda: | ||
| Average total assets | $1,586,440,000 | 511 |
| Average earning assets | $1,452,381,670 | 511 |
| Average equity | $149,003,670 | 564 |
| Average total loans | $1,189,557,000 | 482 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,907 |
| Cost of funding earning assets | 0.7324% | 1,271 |
| Net interest margin | 3.7557% | 2,593 |
| Noninterest income to average assets | 0.9630% | 995 |
| Noninterest expense to average assets | 2.7917% | 2,718 |
| Loan and lease loss provision to assets | 0.1259% | 1,495 |
| Net operating income to assets | 1.4257% | 1,265 |
| Return on assets (ROA) | 1.4257% | 1,274 |
| Pretax return on assets | 1.4668% | 1,777 |
| Return on Equity (ROE) | 15.5565% | 697 |
| Retained earnings to average equity (ytd only) | 15.5565% | 282 |
| Net charge-offs to loans | -0.0084% | 4,183 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3352% | 3,896 |
| Assets per employee ($millions) | 3.2594% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,189 |
| Loan loss allowance to noncurrent loans | 381.2088% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 3,644 |
| Noncurrent loans to loans | 0.2971% | 3,704 |
| Net loans and leases to total assets | 75.3659% | 1,643 |
| Net loans and leases to deposits | 87.1372% | 2,035 |
| Net loans and leases to core deposits | 101.6590% | 1,562 |
| Total domestic deposits to total assets | 86.4911% | 2,321 |
| Equity capital to assets | 9.6080% | 3,986 |
| Core capital (leverage) ratio | 9.0243% | 4,658 |
| Tier 1 risk-based capital ratio | 11.1333% | 5,065 |
| Total risk-based capital ratio | 12.1915% | 5,067 |
| Memoranda: | ||
| Average total assets | $1,587,971,000 | 519 |
| Average earning assets | $1,446,668,500 | 518 |
| Average equity | $145,534,000 | 583 |
| Average total loans | $1,189,199,000 | 481 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 1,910 |
| Cost of funding earning assets | 0.6150% | 1,502 |
| Net interest margin | 3.8278% | 2,327 |
| Noninterest income to average assets | 1.0199% | 977 |
| Noninterest expense to average assets | 2.7866% | 2,820 |
| Loan and lease loss provision to assets | 0.1916% | 1,094 |
| Net operating income to assets | 1.4903% | 822 |
| Return on assets (ROA) | 1.4903% | 843 |
| Pretax return on assets | 1.5298% | 1,524 |
| Return on Equity (ROE) | 17.1930% | 375 |
| Retained earnings to average equity (ytd only) | 4.9681% | 2,150 |
| Net charge-offs to loans | 0.2451% | 1,064 |
| Credit loss provision to net charge-offs | 105.4111% | 2,440 |
| Earnings coverage of net charge-offs (x) | 9.4698% | 2,783 |
| Efficiency ratio | 59.2899% | 4,375 |
| Assets per employee ($millions) | 3.4624% | 4,751 |
| Cash dividends to net income (ytd only)* | 71.1041% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,534 |
| Loan loss allowance to noncurrent loans | 1,076.9166% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 4,173 |
| Noncurrent loans to loans | 0.0987% | 4,546 |
| Net loans and leases to total assets | 72.8406% | 2,114 |
| Net loans and leases to deposits | 85.5849% | 2,316 |
| Net loans and leases to core deposits | 102.5660% | 1,518 |
| Total domestic deposits to total assets | 85.1092% | 2,797 |
| Equity capital to assets | 8.7466% | 4,930 |
| Core capital (leverage) ratio | 8.5902% | 5,053 |
| Tier 1 risk-based capital ratio | 10.4004% | 5,403 |
| Total risk-based capital ratio | 11.3864% | 5,430 |
| Memoranda: | ||
| Average total assets | $1,565,588,400 | 497 |
| Average earning assets | $1,426,682,800 | 498 |
| Average equity | $135,706,000 | 605 |
| Average total loans | $1,161,064,400 | 472 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4150% | 1,923 |
| Cost of funding earning assets | 0.5802% | 1,668 |
| Net interest margin | 3.8348% | 2,267 |
| Noninterest income to average assets | 0.9958% | 1,037 |
| Noninterest expense to average assets | 2.7770% | 2,806 |
| Loan and lease loss provision to assets | 0.1932% | 996 |
| Net operating income to assets | 1.4940% | 909 |
| Return on assets (ROA) | 1.4940% | 928 |
| Pretax return on assets | 1.5334% | 1,653 |
| Return on Equity (ROE) | 17.2765% | 395 |
| Retained earnings to average equity (ytd only) | 2.9973% | 4,129 |
| Net charge-offs to loans | 0.2977% | 708 |
| Credit loss provision to net charge-offs | 87.3492% | 2,489 |
| Earnings coverage of net charge-offs (x) | 7.8054% | 2,837 |
| Efficiency ratio | 59.1010% | 4,337 |
| Assets per employee ($millions) | 3.4036% | 4,856 |
| Cash dividends to net income (ytd only)* | 82.6513% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,917 |
| Loan loss allowance to noncurrent loans | 426.9257% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 4,048 |
| Noncurrent loans to loans | 0.2407% | 4,092 |
| Net loans and leases to total assets | 74.5536% | 1,830 |
| Net loans and leases to deposits | 88.4197% | 2,000 |
| Net loans and leases to core deposits | 106.5779% | 1,232 |
| Total domestic deposits to total assets | 84.3178% | 2,989 |
| Equity capital to assets | 8.8005% | 5,081 |
| Core capital (leverage) ratio | 8.2762% | 5,382 |
| Tier 1 risk-based capital ratio | 10.2343% | 5,533 |
| Total risk-based capital ratio | 11.1977% | 5,574 |
| Memoranda: | ||
| Average total assets | $1,548,422,750 | 508 |
| Average earning assets | $1,416,374,500 | 503 |
| Average equity | $133,897,000 | 618 |
| Average total loans | $1,150,535,250 | 477 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3331% | 2,024 |
| Cost of funding earning assets | 0.5128% | 2,073 |
| Net interest margin | 3.8202% | 2,208 |
| Noninterest income to average assets | 0.9903% | 1,037 |
| Noninterest expense to average assets | 2.8092% | 2,728 |
| Loan and lease loss provision to assets | 0.1939% | 953 |
| Net operating income to assets | 1.4290% | 997 |
| Return on assets (ROA) | 1.4290% | 1,026 |
| Pretax return on assets | 1.4684% | 1,765 |
| Return on Equity (ROE) | 16.6275% | 446 |
| Retained earnings to average equity (ytd only) | -1.7043% | 5,322 |
| Net charge-offs to loans | 0.3829% | 538 |
| Credit loss provision to net charge-offs | 68.4768% | 2,394 |
| Earnings coverage of net charge-offs (x) | 5.8702% | 2,768 |
| Efficiency ratio | 60.2366% | 4,284 |
| Assets per employee ($millions) | 3.3945% | 4,866 |
| Cash dividends to net income (ytd only)* | 110.2499% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 4,159 |
| Loan loss allowance to noncurrent loans | 253.8037% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 3,858 |
| Noncurrent loans to loans | 0.3931% | 3,614 |
| Net loans and leases to total assets | 74.7709% | 1,738 |
| Net loans and leases to deposits | 91.0403% | 1,605 |
| Net loans and leases to core deposits | 104.5973% | 1,318 |
| Total domestic deposits to total assets | 82.1295% | 3,851 |
| Equity capital to assets | 8.5669% | 5,255 |
| Core capital (leverage) ratio | 8.1773% | 5,443 |
| Tier 1 risk-based capital ratio | 9.8789% | 5,659 |
| Total risk-based capital ratio | 10.8141% | 5,686 |
| Memoranda: | ||
| Average total assets | $1,534,734,330 | 516 |
| Average earning assets | $1,398,550,670 | 509 |
| Average equity | $131,901,670 | 627 |
| Average total loans | $1,134,939,000 | 483 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 2,079 |
| Cost of funding earning assets | 0.4635% | 2,391 |
| Net interest margin | 3.7939% | 2,136 |
| Noninterest income to average assets | 1.0239% | 957 |
| Noninterest expense to average assets | 2.7938% | 2,815 |
| Loan and lease loss provision to assets | 0.1961% | 847 |
| Net operating income to assets | 1.4323% | 935 |
| Return on assets (ROA) | 1.4323% | 961 |
| Pretax return on assets | 1.4720% | 1,631 |
| Return on Equity (ROE) | 16.6372% | 447 |
| Retained earnings to average equity (ytd only) | -13.6515% | 5,651 |
| Net charge-offs to loans | 0.0058% | 2,770 |
| Credit loss provision to net charge-offs | 4,625.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 393.4375% | 148 |
| Efficiency ratio | 60.0012% | 4,453 |
| Assets per employee ($millions) | 3.3884% | 4,946 |
| Cash dividends to net income (ytd only)* | 182.0537% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 3,257 |
| Loan loss allowance to noncurrent loans | 161.7565% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 2,904 |
| Noncurrent loans to loans | 0.7293% | 2,675 |
| Net loans and leases to total assets | 73.1956% | 1,875 |
| Net loans and leases to deposits | 86.9077% | 1,924 |
| Net loans and leases to core deposits | 96.2874% | 1,799 |
| Total domestic deposits to total assets | 84.2222% | 3,384 |
| Equity capital to assets | 8.6327% | 5,124 |
| Core capital (leverage) ratio | 8.2281% | 5,423 |
| Tier 1 risk-based capital ratio | 10.0507% | 5,685 |
| Total risk-based capital ratio | 11.1466% | 5,694 |
| Memoranda: | ||
| Average total assets | $1,509,478,000 | 523 |
| Average earning assets | $1,367,887,500 | 516 |
| Average equity | $129,949,500 | 629 |
| Average total loans | $1,103,784,500 | 487 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 2,472 |
| Cost of funding earning assets | 0.4239% | 2,769 |
| Net interest margin | 3.7812% | 2,386 |
| Noninterest income to average assets | 1.0094% | 1,118 |
| Noninterest expense to average assets | 2.7481% | 3,199 |
| Loan and lease loss provision to assets | 0.6901% | 181 |
| Net operating income to assets | 0.9875% | 2,402 |
| Return on assets (ROA) | 0.9875% | 2,506 |
| Pretax return on assets | 1.0266% | 3,376 |
| Return on Equity (ROE) | 11.1037% | 1,546 |
| Retained earnings to average equity (ytd only) | 3.4219% | 3,492 |
| Net charge-offs to loans | 0.8284% | 239 |
| Credit loss provision to net charge-offs | 116.2385% | 2,266 |
| Earnings coverage of net charge-offs (x) | 2.8917% | 3,751 |
| Efficiency ratio | 59.4720% | 4,665 |
| Assets per employee ($millions) | 3.3501% | 4,978 |
| Cash dividends to net income (ytd only)* | 69.1824% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,280 |
| Loan loss allowance to noncurrent loans | 150.0951% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 2,884 |
| Noncurrent loans to loans | 0.7822% | 2,560 |
| Net loans and leases to total assets | 71.3070% | 2,275 |
| Net loans and leases to deposits | 84.1850% | 2,392 |
| Net loans and leases to core deposits | 94.4923% | 2,057 |
| Total domestic deposits to total assets | 84.7027% | 3,172 |
| Equity capital to assets | 8.5845% | 5,204 |
| Core capital (leverage) ratio | 8.4750% | 5,285 |
| Tier 1 risk-based capital ratio | 10.3943% | 5,616 |
| Total risk-based capital ratio | 11.4748% | 5,626 |
| Memoranda: | ||
| Average total assets | $1,449,161,600 | 520 |
| Average earning assets | $1,324,257,000 | 517 |
| Average equity | $128,875,800 | 622 |
| Average total loans | $1,038,478,600 | 494 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 2,493 |
| Cost of funding earning assets | 0.4142% | 2,892 |
| Net interest margin | 3.7910% | 2,364 |
| Noninterest income to average assets | 1.0212% | 1,104 |
| Noninterest expense to average assets | 2.7545% | 3,162 |
| Loan and lease loss provision to assets | 0.0832% | 2,548 |
| Net operating income to assets | 1.6274% | 686 |
| Return on assets (ROA) | 1.6274% | 727 |
| Pretax return on assets | 1.6668% | 1,207 |
| Return on Equity (ROE) | 18.1363% | 351 |
| Retained earnings to average equity (ytd only) | 7.9120% | 1,212 |
| Net charge-offs to loans | -0.0293% | 5,156 |
| Credit loss provision to net charge-offs | -397.3451% | 5,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1713% | 4,667 |
| Assets per employee ($millions) | 3.4792% | 4,804 |
| Cash dividends to net income (ytd only)* | 56.3749% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,571 |
| Loan loss allowance to noncurrent loans | 63.0151% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 1,420 |
| Noncurrent loans to loans | 1.8172% | 1,131 |
| Net loans and leases to total assets | 72.4793% | 2,118 |
| Net loans and leases to deposits | 86.5275% | 2,207 |
| Net loans and leases to core deposits | 97.2283% | 1,888 |
| Total domestic deposits to total assets | 83.7644% | 3,288 |
| Equity capital to assets | 9.0556% | 5,123 |
| Core capital (leverage) ratio | 8.5840% | 5,281 |
| Tier 1 risk-based capital ratio | 10.6099% | 5,566 |
| Total risk-based capital ratio | 11.6655% | 5,582 |
| Memoranda: | ||
| Average total assets | $1,438,754,500 | 527 |
| Average earning assets | $1,321,978,500 | 522 |
| Average equity | $129,100,500 | 619 |
| Average total loans | $1,029,181,750 | 496 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 2,493 |
| Cost of funding earning assets | 0.4059% | 2,974 |
| Net interest margin | 3.8008% | 2,316 |
| Noninterest income to average assets | 1.0278% | 1,060 |
| Noninterest expense to average assets | 2.7123% | 3,349 |
| Loan and lease loss provision to assets | 0.0836% | 2,468 |
| Net operating income to assets | 1.6812% | 598 |
| Return on assets (ROA) | 1.6812% | 638 |
| Pretax return on assets | 1.7206% | 1,046 |
| Return on Equity (ROE) | 18.7957% | 309 |
| Retained earnings to average equity (ytd only) | 8.4598% | 1,022 |
| Net charge-offs to loans | 0.0261% | 2,955 |
| Credit loss provision to net charge-offs | 452.2727% | 711 |
| Earnings coverage of net charge-offs (x) | 97.5758% | 593 |
| Efficiency ratio | 58.1025% | 4,889 |
| Assets per employee ($millions) | 3.2417% | 5,150 |
| Cash dividends to net income (ytd only)* | 54.9908% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 3,737 |
| Loan loss allowance to noncurrent loans | 153.0220% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5421% | 3,406 |
| Noncurrent loans to loans | 0.7426% | 2,882 |
| Net loans and leases to total assets | 72.1630% | 2,138 |
| Net loans and leases to deposits | 86.8485% | 2,149 |
| Net loans and leases to core deposits | 94.1124% | 2,154 |
| Total domestic deposits to total assets | 83.0907% | 3,613 |
| Equity capital to assets | 9.2989% | 4,977 |
| Core capital (leverage) ratio | 8.8265% | 5,024 |
| Tier 1 risk-based capital ratio | 11.1056% | 5,363 |
| Total risk-based capital ratio | 12.1546% | 5,395 |
| Memoranda: | ||
| Average total assets | $1,427,774,000 | 530 |
| Average earning assets | $1,310,573,000 | 526 |
| Average equity | $127,710,330 | 631 |
| Average total loans | $1,012,565,330 | 504 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 2,657 |
| Cost of funding earning assets | 0.3962% | 3,118 |
| Net interest margin | 3.7525% | 2,471 |
| Noninterest income to average assets | 1.0160% | 1,040 |
| Noninterest expense to average assets | 2.6624% | 3,537 |
| Loan and lease loss provision to assets | 0.0830% | 2,298 |
| Net operating income to assets | 1.6623% | 623 |
| Return on assets (ROA) | 1.6623% | 660 |
| Pretax return on assets | 1.7018% | 1,064 |
| Return on Equity (ROE) | 18.9520% | 300 |
| Retained earnings to average equity (ytd only) | 8.4760% | 1,272 |
| Net charge-offs to loans | 0.0028% | 3,024 |
| Credit loss provision to net charge-offs | 4,257.1429% | 94 |
| Earnings coverage of net charge-offs (x) | 915.7143% | 48 |
| Efficiency ratio | 57.9013% | 5,011 |
| Assets per employee ($millions) | 3.3437% | 5,059 |
| Cash dividends to net income (ytd only)* | 55.2764% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 3,768 |
| Loan loss allowance to noncurrent loans | 119.6946% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 3,030 |
| Noncurrent loans to loans | 0.9603% | 2,455 |
| Net loans and leases to total assets | 69.5686% | 2,413 |
| Net loans and leases to deposits | 83.1659% | 2,410 |
| Net loans and leases to core deposits | 90.4081% | 2,333 |
| Total domestic deposits to total assets | 83.6504% | 3,658 |
| Equity capital to assets | 8.9993% | 5,169 |
| Core capital (leverage) ratio | 8.7006% | 5,172 |
| Tier 1 risk-based capital ratio | 11.1036% | 5,450 |
| Total risk-based capital ratio | 12.1623% | 5,455 |
| Memoranda: | ||
| Average total assets | $1,436,597,000 | 526 |
| Average earning assets | $1,313,592,000 | 524 |
| Average equity | $126,002,500 | 639 |
| Average total loans | $1,004,204,000 | 503 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 2,633 |
| Cost of funding earning assets | 0.3661% | 3,524 |
| Net interest margin | 3.8115% | 2,333 |
| Noninterest income to average assets | 0.8730% | 1,522 |
| Noninterest expense to average assets | 2.8053% | 3,201 |
| Loan and lease loss provision to assets | 0.0713% | 2,847 |
| Net operating income to assets | 1.4308% | 984 |
| Return on assets (ROA) | 1.4308% | 1,015 |
| Pretax return on assets | 1.4704% | 1,647 |
| Return on Equity (ROE) | 16.7004% | 485 |
| Retained earnings to average equity (ytd only) | 4.5231% | 2,768 |
| Net charge-offs to loans | 0.0305% | 3,612 |
| Credit loss provision to net charge-offs | 347.2222% | 858 |
| Earnings coverage of net charge-offs (x) | 75.0938% | 733 |
| Efficiency ratio | 62.3942% | 4,545 |
| Assets per employee ($millions) | 3.3929% | 4,991 |
| Cash dividends to net income (ytd only)* | 72.9161% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 3,954 |
| Loan loss allowance to noncurrent loans | 99.0476% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 2,722 |
| Noncurrent loans to loans | 1.1273% | 2,087 |
| Net loans and leases to total assets | 68.6584% | 2,595 |
| Net loans and leases to deposits | 81.2664% | 2,682 |
| Net loans and leases to core deposits | 88.5120% | 2,551 |
| Total domestic deposits to total assets | 84.4855% | 3,292 |
| Equity capital to assets | 8.5464% | 5,527 |
| Core capital (leverage) ratio | 8.3187% | 5,589 |
| Tier 1 risk-based capital ratio | 10.7903% | 5,629 |
| Total risk-based capital ratio | 11.8119% | 5,669 |
| Memoranda: | ||
| Average total assets | $1,402,794,600 | 512 |
| Average earning assets | $1,278,602,800 | 511 |
| Average equity | $120,183,000 | 637 |
| Average total loans | $943,636,000 | 513 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 2,882 |
| Cost of funding earning assets | 0.3619% | 3,636 |
| Net interest margin | 3.7523% | 2,553 |
| Noninterest income to average assets | 1.0537% | 1,076 |
| Noninterest expense to average assets | 2.7795% | 3,277 |
| Loan and lease loss provision to assets | 0.0717% | 2,744 |
| Net operating income to assets | 1.5964% | 775 |
| Return on assets (ROA) | 1.5964% | 804 |
| Pretax return on assets | 1.6360% | 1,277 |
| Return on Equity (ROE) | 18.6211% | 361 |
| Retained earnings to average equity (ytd only) | 5.6149% | 2,514 |
| Net charge-offs to loans | 0.0253% | 3,433 |
| Credit loss provision to net charge-offs | 425.0000% | 725 |
| Earnings coverage of net charge-offs (x) | 101.2504% | 622 |
| Efficiency ratio | 59.8667% | 4,910 |
| Assets per employee ($millions) | 3.3973% | 4,989 |
| Cash dividends to net income (ytd only)* | 69.8463% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 4,018 |
| Loan loss allowance to noncurrent loans | 97.9253% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 2,892 |
| Noncurrent loans to loans | 1.1608% | 2,198 |
| Net loans and leases to total assets | 67.9305% | 2,690 |
| Net loans and leases to deposits | 84.2530% | 2,381 |
| Net loans and leases to core deposits | 92.0338% | 2,262 |
| Total domestic deposits to total assets | 80.6268% | 4,572 |
| Equity capital to assets | 8.7633% | 5,522 |
| Core capital (leverage) ratio | 8.4139% | 5,618 |
| Tier 1 risk-based capital ratio | 11.0898% | 5,615 |
| Total risk-based capital ratio | 12.1271% | 5,640 |
| Memoranda: | ||
| Average total assets | $1,391,296,000 | 511 |
| Average earning assets | $1,273,115,500 | 516 |
| Average equity | $119,274,000 | 645 |
| Average total loans | $928,058,250 | 519 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 3,040 |
| Cost of funding earning assets | 0.3577% | 3,729 |
| Net interest margin | 3.7041% | 2,689 |
| Noninterest income to average assets | 1.0549% | 1,064 |
| Noninterest expense to average assets | 2.7442% | 3,436 |
| Loan and lease loss provision to assets | 0.0718% | 2,675 |
| Net operating income to assets | 1.5760% | 786 |
| Return on assets (ROA) | 1.5760% | 815 |
| Pretax return on assets | 1.6163% | 1,287 |
| Return on Equity (ROE) | 18.5249% | 373 |
| Retained earnings to average equity (ytd only) | 3.8333% | 3,562 |
| Net charge-offs to loans | 0.0219% | 3,226 |
| Credit loss provision to net charge-offs | 496.0000% | 637 |
| Earnings coverage of net charge-offs (x) | 116.6200% | 538 |
| Efficiency ratio | 60.7022% | 4,878 |
| Assets per employee ($millions) | 3.3630% | 5,050 |
| Cash dividends to net income (ytd only)* | 79.3075% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 4,056 |
| Loan loss allowance to noncurrent loans | 96.7473% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.8026% | 2,981 |
| Noncurrent loans to loans | 1.1937% | 2,270 |
| Net loans and leases to total assets | 66.4631% | 2,872 |
| Net loans and leases to deposits | 79.3939% | 2,863 |
| Net loans and leases to core deposits | 87.9466% | 2,558 |
| Total domestic deposits to total assets | 83.7132% | 3,684 |
| Equity capital to assets | 8.5107% | 5,678 |
| Core capital (leverage) ratio | 8.4254% | 5,604 |
| Tier 1 risk-based capital ratio | 11.1148% | 5,656 |
| Total risk-based capital ratio | 12.1642% | 5,675 |
| Memoranda: | ||
| Average total assets | $1,381,698,670 | 515 |
| Average earning assets | $1,259,793,670 | 517 |
| Average equity | $117,549,670 | 657 |
| Average total loans | $912,156,000 | 523 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,093 |
| Cost of funding earning assets | 0.3539% | 3,815 |
| Net interest margin | 3.6835% | 2,685 |
| Noninterest income to average assets | 1.0511% | 1,018 |
| Noninterest expense to average assets | 2.7096% | 3,553 |
| Loan and lease loss provision to assets | 0.0721% | 2,495 |
| Net operating income to assets | 1.5662% | 757 |
| Return on assets (ROA) | 1.5662% | 795 |
| Pretax return on assets | 1.6068% | 1,256 |
| Return on Equity (ROE) | 18.4129% | 357 |
| Retained earnings to average equity (ytd only) | -0.9339% | 5,547 |
| Net charge-offs to loans | -0.0013% | 4,336 |
| Credit loss provision to net charge-offs | -8,233.3333% | 5,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4712% | 5,033 |
| Assets per employee ($millions) | 3.2962% | 5,250 |
| Cash dividends to net income (ytd only)* | 105.0718% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 3,918 |
| Loan loss allowance to noncurrent loans | 146.6703% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 3,856 |
| Noncurrent loans to loans | 0.8251% | 3,181 |
| Net loans and leases to total assets | 65.3709% | 2,868 |
| Net loans and leases to deposits | 73.8456% | 3,331 |
| Net loans and leases to core deposits | 81.8303% | 2,978 |
| Total domestic deposits to total assets | 88.5237% | 1,537 |
| Equity capital to assets | 8.8308% | 5,467 |
| Core capital (leverage) ratio | 8.4393% | 5,586 |
| Tier 1 risk-based capital ratio | 11.4719% | 5,572 |
| Total risk-based capital ratio | 12.5665% | 5,564 |
| Memoranda: | ||
| Average total assets | $1,369,672,000 | 522 |
| Average earning assets | $1,240,989,500 | 519 |
| Average equity | $116,505,000 | 662 |
| Average total loans | $895,622,500 | 527 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,975 |
| Cost of funding earning assets | 0.3750% | 3,980 |
| Net interest margin | 3.8188% | 2,554 |
| Noninterest income to average assets | 1.0939% | 1,016 |
| Noninterest expense to average assets | 2.7959% | 3,495 |
| Loan and lease loss provision to assets | 0.0749% | 2,983 |
| Net operating income to assets | 1.6123% | 695 |
| Return on assets (ROA) | 1.6152% | 721 |
| Pretax return on assets | 1.6552% | 1,086 |
| Return on Equity (ROE) | 20.1456% | 246 |
| Retained earnings to average equity (ytd only) | 2.5501% | 4,423 |
| Net charge-offs to loans | 0.0353% | 4,126 |
| Credit loss provision to net charge-offs | 334.4482% | 784 |
| Earnings coverage of net charge-offs (x) | 77.0970% | 651 |
| Efficiency ratio | 60.5427% | 5,139 |
| Assets per employee ($millions) | 3.4179% | 5,016 |
| Cash dividends to net income (ytd only)* | 87.3417% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 4,183 |
| Loan loss allowance to noncurrent loans | 137.4624% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 3,969 |
| Noncurrent loans to loans | 0.8491% | 3,187 |
| Net loans and leases to total assets | 63.8809% | 3,242 |
| Net loans and leases to deposits | 75.4876% | 3,259 |
| Net loans and leases to core deposits | 84.5274% | 2,842 |
| Total domestic deposits to total assets | 84.6243% | 3,447 |
| Equity capital to assets | 8.1928% | 5,968 |
| Core capital (leverage) ratio | 8.1125% | 5,920 |
| Tier 1 risk-based capital ratio | 10.7806% | 5,998 |
| Total risk-based capital ratio | 11.8256% | 6,014 |
| Memoranda: | ||
| Average total assets | $1,334,721,600 | 511 |
| Average earning assets | $1,198,526,600 | 512 |
| Average equity | $107,015,800 | 685 |
| Average total loans | $848,008,400 | 526 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2073% | 2,963 |
| Cost of funding earning assets | 0.3761% | 4,064 |
| Net interest margin | 3.8312% | 2,508 |
| Noninterest income to average assets | 1.0790% | 1,048 |
| Noninterest expense to average assets | 2.8077% | 3,433 |
| Loan and lease loss provision to assets | 0.0756% | 2,833 |
| Net operating income to assets | 1.6037% | 748 |
| Return on assets (ROA) | 1.6077% | 772 |
| Pretax return on assets | 1.6476% | 1,185 |
| Return on Equity (ROE) | 20.1679% | 273 |
| Retained earnings to average equity (ytd only) | -1.1608% | 5,984 |
| Net charge-offs to loans | 0.0460% | 3,572 |
| Credit loss provision to net charge-offs | 259.7222% | 1,018 |
| Earnings coverage of net charge-offs (x) | 59.0869% | 871 |
| Efficiency ratio | 60.7289% | 5,082 |
| Assets per employee ($millions) | 3.2596% | 5,310 |
| Cash dividends to net income (ytd only)* | 105.7559% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 4,213 |
| Loan loss allowance to noncurrent loans | 533.1432% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 5,608 |
| Noncurrent loans to loans | 0.2253% | 5,220 |
| Net loans and leases to total assets | 63.7262% | 3,228 |
| Net loans and leases to deposits | 75.8327% | 3,199 |
| Net loans and leases to core deposits | 85.8133% | 2,684 |
| Total domestic deposits to total assets | 84.0353% | 3,744 |
| Equity capital to assets | 8.1574% | 6,036 |
| Core capital (leverage) ratio | 7.9816% | 6,078 |
| Tier 1 risk-based capital ratio | 11.0314% | 5,977 |
| Total risk-based capital ratio | 12.1112% | 6,010 |
| Memoranda: | ||
| Average total assets | $1,319,777,000 | 518 |
| Average earning assets | $1,187,678,000 | 516 |
| Average equity | $105,207,500 | 691 |
| Average total loans | $834,675,750 | 525 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 3,028 |
| Cost of funding earning assets | 0.3752% | 4,159 |
| Net interest margin | 3.8054% | 2,554 |
| Noninterest income to average assets | 1.0833% | 1,016 |
| Noninterest expense to average assets | 2.7855% | 3,559 |
| Loan and lease loss provision to assets | 0.0753% | 2,769 |
| Net operating income to assets | 1.5839% | 733 |
| Return on assets (ROA) | 1.5898% | 754 |
| Pretax return on assets | 1.6299% | 1,182 |
| Return on Equity (ROE) | 20.1011% | 289 |
| Retained earnings to average equity (ytd only) | -6.4432% | 6,322 |
| Net charge-offs to loans | 0.0672% | 3,030 |
| Credit loss provision to net charge-offs | 178.4173% | 1,280 |
| Earnings coverage of net charge-offs (x) | 40.2626% | 1,056 |
| Efficiency ratio | 60.7914% | 5,177 |
| Assets per employee ($millions) | 3.3285% | 5,205 |
| Cash dividends to net income (ytd only)* | 132.0539% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 4,445 |
| Loan loss allowance to noncurrent loans | 335.5734% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 5,433 |
| Noncurrent loans to loans | 0.3562% | 4,930 |
| Net loans and leases to total assets | 62.1651% | 3,370 |
| Net loans and leases to deposits | 75.5015% | 3,121 |
| Net loans and leases to core deposits | 83.1532% | 2,832 |
| Total domestic deposits to total assets | 82.3363% | 4,528 |
| Equity capital to assets | 7.9186% | 6,195 |
| Core capital (leverage) ratio | 7.8716% | 6,173 |
| Tier 1 risk-based capital ratio | 10.8824% | 6,100 |
| Total risk-based capital ratio | 11.9490% | 6,125 |
| Memoranda: | ||
| Average total assets | $1,317,487,670 | 522 |
| Average earning assets | $1,177,604,000 | 519 |
| Average equity | $104,203,330 | 699 |
| Average total loans | $827,667,670 | 526 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 2,900 |
| Cost of funding earning assets | 0.3799% | 4,199 |
| Net interest margin | 3.8152% | 2,407 |
| Noninterest income to average assets | 1.0240% | 1,074 |
| Noninterest expense to average assets | 2.7267% | 3,842 |
| Loan and lease loss provision to assets | 0.0774% | 2,595 |
| Net operating income to assets | 1.5752% | 694 |
| Return on assets (ROA) | 1.5752% | 723 |
| Pretax return on assets | 1.6169% | 1,141 |
| Return on Equity (ROE) | 20.6529% | 258 |
| Retained earnings to average equity (ytd only) | 8.3351% | 1,480 |
| Net charge-offs to loans | 0.1643% | 1,736 |
| Credit loss provision to net charge-offs | 74.3976% | 1,958 |
| Earnings coverage of net charge-offs (x) | 16.2952% | 1,513 |
| Efficiency ratio | 60.5299% | 5,328 |
| Assets per employee ($millions) | 3.0969% | 5,696 |
| Cash dividends to net income (ytd only)* | 59.6421% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 4,551 |
| Loan loss allowance to noncurrent loans | 337.8688% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 5,509 |
| Noncurrent loans to loans | 0.3608% | 5,042 |
| Net loans and leases to total assets | 63.3601% | 3,003 |
| Net loans and leases to deposits | 70.2277% | 3,573 |
| Net loans and leases to core deposits | 76.7836% | 3,330 |
| Total domestic deposits to total assets | 90.2208% | 954 |
| Equity capital to assets | 8.0262% | 6,039 |
| Core capital (leverage) ratio | 8.2281% | 5,915 |
| Tier 1 risk-based capital ratio | 11.4950% | 5,917 |
| Total risk-based capital ratio | 12.5897% | 5,949 |
| Memoranda: | ||
| Average total assets | $1,277,295,500 | 531 |
| Average earning assets | $1,137,249,000 | 545 |
| Average equity | $97,419,500 | 752 |
| Average total loans | $808,194,000 | 537 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 2,839 |
| Cost of funding earning assets | 0.4417% | 4,199 |
| Net interest margin | 3.8901% | 2,323 |
| Noninterest income to average assets | 1.0475% | 1,282 |
| Noninterest expense to average assets | 2.7418% | 3,941 |
| Loan and lease loss provision to assets | 0.1182% | 2,838 |
| Net operating income to assets | 1.6040% | 687 |
| Return on assets (ROA) | 1.6040% | 703 |
| Pretax return on assets | 1.6451% | 1,062 |
| Return on Equity (ROE) | 21.0312% | 234 |
| Retained earnings to average equity (ytd only) | 9.0940% | 759 |
| Net charge-offs to loans | 0.1566% | 3,238 |
| Credit loss provision to net charge-offs | 120.5788% | 1,979 |
| Earnings coverage of net charge-offs (x) | 17.9823% | 1,681 |
| Efficiency ratio | 59.7064% | 5,508 |
| Assets per employee ($millions) | 3.2578% | 5,369 |
| Cash dividends to net income (ytd only)* | 56.7595% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 4,657 |
| Loan loss allowance to noncurrent loans | 221.3980% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 5,251 |
| Noncurrent loans to loans | 0.5423% | 4,639 |
| Net loans and leases to total assets | 61.6989% | 3,411 |
| Net loans and leases to deposits | 71.0079% | 3,653 |
| Net loans and leases to core deposits | 77.2975% | 3,451 |
| Total domestic deposits to total assets | 86.8902% | 2,785 |
| Equity capital to assets | 7.2476% | 6,385 |
| Core capital (leverage) ratio | 7.9964% | 6,138 |
| Tier 1 risk-based capital ratio | 10.8618% | 6,239 |
| Total risk-based capital ratio | 11.9281% | 6,262 |
| Memoranda: | ||
| Average total assets | $1,268,608,200 | 521 |
| Average earning assets | $1,127,571,600 | 529 |
| Average equity | $96,756,400 | 730 |
| Average total loans | $794,449,800 | 526 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,875 |
| Cost of funding earning assets | 0.4507% | 4,265 |
| Net interest margin | 3.8782% | 2,349 |
| Noninterest income to average assets | 1.0043% | 1,440 |
| Noninterest expense to average assets | 2.6931% | 4,039 |
| Loan and lease loss provision to assets | 0.1189% | 2,815 |
| Net operating income to assets | 1.6093% | 738 |
| Return on assets (ROA) | 1.6093% | 782 |
| Pretax return on assets | 1.6504% | 1,216 |
| Return on Equity (ROE) | 20.8300% | 250 |
| Retained earnings to average equity (ytd only) | 9.7210% | 849 |
| Net charge-offs to loans | 0.2081% | 2,578 |
| Credit loss provision to net charge-offs | 91.1454% | 2,607 |
| Earnings coverage of net charge-offs (x) | 13.5646% | 2,017 |
| Efficiency ratio | 59.1784% | 5,537 |
| Assets per employee ($millions) | 3.1820% | 5,532 |
| Cash dividends to net income (ytd only)* | 53.3316% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 4,938 |
| Loan loss allowance to noncurrent loans | 244.7954% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 5,495 |
| Noncurrent loans to loans | 0.4839% | 4,988 |
| Net loans and leases to total assets | 62.7427% | 3,212 |
| Net loans and leases to deposits | 74.1311% | 3,214 |
| Net loans and leases to core deposits | 81.3046% | 2,962 |
| Total domestic deposits to total assets | 84.6375% | 3,910 |
| Equity capital to assets | 7.6086% | 6,349 |
| Core capital (leverage) ratio | 7.9593% | 6,251 |
| Tier 1 risk-based capital ratio | 11.0267% | 6,269 |
| Total risk-based capital ratio | 12.0888% | 6,314 |
| Memoranda: | ||
| Average total assets | $1,258,350,750 | 523 |
| Average earning assets | $1,122,042,250 | 528 |
| Average equity | $97,216,250 | 732 |
| Average total loans | $788,599,500 | 531 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 3,003 |
| Cost of funding earning assets | 0.4553% | 4,370 |
| Net interest margin | 3.8324% | 2,438 |
| Noninterest income to average assets | 1.1274% | 1,197 |
| Noninterest expense to average assets | 2.7214% | 3,957 |
| Loan and lease loss provision to assets | 0.1182% | 2,848 |
| Net operating income to assets | 1.6533% | 681 |
| Return on assets (ROA) | 1.6533% | 750 |
| Pretax return on assets | 1.6949% | 1,126 |
| Return on Equity (ROE) | 21.2923% | 234 |
| Retained earnings to average equity (ytd only) | 10.2430% | 795 |
| Net charge-offs to loans | 0.2918% | 2,021 |
| Credit loss provision to net charge-offs | 64.9215% | 2,930 |
| Earnings coverage of net charge-offs (x) | 9.9581% | 2,211 |
| Efficiency ratio | 58.8662% | 5,618 |
| Assets per employee ($millions) | 3.0919% | 5,696 |
| Cash dividends to net income (ytd only)* | 51.8931% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,183 |
| Loan loss allowance to noncurrent loans | 193.5559% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 5,153 |
| Noncurrent loans to loans | 0.6005% | 4,753 |
| Net loans and leases to total assets | 63.6211% | 2,981 |
| Net loans and leases to deposits | 71.5199% | 3,522 |
| Net loans and leases to core deposits | 78.1009% | 3,272 |
| Total domestic deposits to total assets | 88.9558% | 1,653 |
| Equity capital to assets | 7.7405% | 6,344 |
| Core capital (leverage) ratio | 7.8752% | 6,262 |
| Tier 1 risk-based capital ratio | 10.9599% | 6,351 |
| Total risk-based capital ratio | 12.0068% | 6,393 |
| Memoranda: | ||
| Average total assets | $1,258,838,000 | 522 |
| Average earning assets | $1,119,151,670 | 527 |
| Average equity | $97,744,330 | 732 |
| Average total loans | $785,446,000 | 528 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 3,111 |
| Cost of funding earning assets | 0.4604% | 4,483 |
| Net interest margin | 3.7892% | 2,491 |
| Noninterest income to average assets | 1.0808% | 1,268 |
| Noninterest expense to average assets | 2.7061% | 4,029 |
| Loan and lease loss provision to assets | 0.1160% | 2,785 |
| Net operating income to assets | 1.5454% | 772 |
| Return on assets (ROA) | 1.5454% | 848 |
| Pretax return on assets | 1.5868% | 1,332 |
| Return on Equity (ROE) | 19.8731% | 308 |
| Retained earnings to average equity (ytd only) | 8.9893% | 1,387 |
| Net charge-offs to loans | -0.0153% | 5,601 |
| Credit loss provision to net charge-offs | -1,233.3333% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2133% | 5,557 |
| Assets per employee ($millions) | 3.1156% | 5,796 |
| Cash dividends to net income (ytd only)* | 54.7667% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,650 |
| Loan loss allowance to noncurrent loans | 122.2932% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.7253% | 4,556 |
| Noncurrent loans to loans | 1.0711% | 4,006 |
| Net loans and leases to total assets | 61.1404% | 3,233 |
| Net loans and leases to deposits | 67.4604% | 3,843 |
| Net loans and leases to core deposits | 73.5279% | 3,636 |
| Total domestic deposits to total assets | 90.6316% | 702 |
| Equity capital to assets | 8.1613% | 6,285 |
| Core capital (leverage) ratio | 7.6011% | 6,424 |
| Tier 1 risk-based capital ratio | 11.0104% | 6,401 |
| Total risk-based capital ratio | 12.1902% | 6,404 |
| Memoranda: | ||
| Average total assets | $1,276,062,000 | 519 |
| Average earning assets | $1,120,766,500 | 533 |
| Average equity | $99,229,500 | 732 |
| Average total loans | $784,103,500 | 529 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 2,477 |
| Cost of funding earning assets | 0.6385% | 4,017 |
| Net interest margin | 4.0915% | 2,038 |
| Noninterest income to average assets | 1.0373% | 1,440 |
| Noninterest expense to average assets | 2.7918% | 4,053 |
| Loan and lease loss provision to assets | 0.1021% | 4,363 |
| Net operating income to assets | 1.7032% | 611 |
| Return on assets (ROA) | 1.7033% | 691 |
| Pretax return on assets | 1.7453% | 1,029 |
| Return on Equity (ROE) | 21.3666% | 242 |
| Retained earnings to average equity (ytd only) | 10.1554% | 568 |
| Net charge-offs to loans | 0.0509% | 5,205 |
| Credit loss provision to net charge-offs | 324.3243% | 753 |
| Earnings coverage of net charge-offs (x) | 58.6595% | 608 |
| Efficiency ratio | 58.8082% | 5,725 |
| Assets per employee ($millions) | 3.4949% | 5,017 |
| Cash dividends to net income (ytd only)* | 52.4709% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 5,190 |
| Loan loss allowance to noncurrent loans | 113.1062% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 4,637 |
| Noncurrent loans to loans | 1.0467% | 4,121 |
| Net loans and leases to total assets | 60.2574% | 3,559 |
| Net loans and leases to deposits | 69.9269% | 3,726 |
| Net loans and leases to core deposits | 75.8015% | 3,559 |
| Total domestic deposits to total assets | 86.1719% | 3,268 |
| Equity capital to assets | 7.4194% | 6,662 |
| Core capital (leverage) ratio | 7.7462% | 6,376 |
| Tier 1 risk-based capital ratio | 9.9818% | 6,709 |
| Total risk-based capital ratio | 11.0355% | 6,723 |
| Memoranda: | ||
| Average total assets | $1,174,934,600 | 561 |
| Average earning assets | $1,034,292,000 | 570 |
| Average equity | $93,664,800 | 752 |
| Average total loans | $727,468,000 | 567 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 2,543 |
| Cost of funding earning assets | 0.6814% | 3,929 |
| Net interest margin | 4.0775% | 2,185 |
| Noninterest income to average assets | 1.0489% | 1,382 |
| Noninterest expense to average assets | 2.8685% | 3,720 |
| Loan and lease loss provision to assets | 0.0878% | 4,508 |
| Net operating income to assets | 1.6807% | 718 |
| Return on assets (ROA) | 1.6807% | 797 |
| Pretax return on assets | 1.7230% | 1,213 |
| Return on Equity (ROE) | 20.6656% | 296 |
| Retained earnings to average equity (ytd only) | 10.9359% | 696 |
| Net charge-offs to loans | 0.0663% | 4,755 |
| Credit loss provision to net charge-offs | 212.7841% | 1,304 |
| Earnings coverage of net charge-offs (x) | 43.8894% | 822 |
| Efficiency ratio | 59.8868% | 5,518 |
| Assets per employee ($millions) | 3.0741% | 5,915 |
| Cash dividends to net income (ytd only)* | 47.0814% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 5,268 |
| Loan loss allowance to noncurrent loans | 211.1959% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 5,396 |
| Noncurrent loans to loans | 0.5695% | 5,298 |
| Net loans and leases to total assets | 64.3741% | 2,959 |
| Net loans and leases to deposits | 72.1173% | 3,595 |
| Net loans and leases to core deposits | 78.4277% | 3,402 |
| Total domestic deposits to total assets | 89.2630% | 1,271 |
| Equity capital to assets | 8.2880% | 6,424 |
| Core capital (leverage) ratio | 7.7165% | 6,518 |
| Tier 1 risk-based capital ratio | 10.5984% | 6,636 |
| Total risk-based capital ratio | 11.6921% | 6,667 |
| Memoranda: | ||
| Average total assets | $1,137,526,250 | 580 |
| Average earning assets | $1,012,778,750 | 584 |
| Average equity | $92,512,250 | 763 |
| Average total loans | $707,407,000 | 586 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7601% | 2,682 |
| Cost of funding earning assets | 0.7076% | 3,954 |
| Net interest margin | 4.0524% | 2,286 |
| Noninterest income to average assets | 1.0274% | 1,384 |
| Noninterest expense to average assets | 2.8128% | 3,964 |
| Loan and lease loss provision to assets | 0.0881% | 4,479 |
| Net operating income to assets | 1.6812% | 698 |
| Return on assets (ROA) | 1.6812% | 784 |
| Pretax return on assets | 1.7238% | 1,199 |
| Return on Equity (ROE) | 20.8091% | 300 |
| Retained earnings to average equity (ytd only) | 10.9366% | 759 |
| Net charge-offs to loans | -0.0301% | 6,524 |
| Credit loss provision to net charge-offs | -477.8846% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5071% | 5,659 |
| Assets per employee ($millions) | 3.0692% | 5,914 |
| Cash dividends to net income (ytd only)* | 47.4433% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,822 |
| Loan loss allowance to noncurrent loans | 203.8436% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 5,418 |
| Noncurrent loans to loans | 0.6458% | 5,218 |
| Net loans and leases to total assets | 60.6302% | 3,699 |
| Net loans and leases to deposits | 67.1013% | 4,347 |
| Net loans and leases to core deposits | 73.3137% | 4,122 |
| Total domestic deposits to total assets | 90.3562% | 735 |
| Equity capital to assets | 8.1452% | 6,491 |
| Core capital (leverage) ratio | 7.5601% | 6,595 |
| Tier 1 risk-based capital ratio | 10.9011% | 6,541 |
| Total risk-based capital ratio | 12.0856% | 6,547 |
| Memoranda: | ||
| Average total assets | $1,128,339,000 | 584 |
| Average earning assets | $1,001,625,330 | 594 |
| Average equity | $91,162,000 | 765 |
| Average total loans | $690,161,000 | 596 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8104% | 2,590 |
| Cost of funding earning assets | 0.7334% | 4,001 |
| Net interest margin | 4.0770% | 2,185 |
| Noninterest income to average assets | 1.0962% | 1,189 |
| Noninterest expense to average assets | 2.8963% | 3,637 |
| Loan and lease loss provision to assets | 0.0893% | 4,242 |
| Net operating income to assets | 1.6506% | 793 |
| Return on assets (ROA) | 1.6506% | 885 |
| Pretax return on assets | 1.6929% | 1,320 |
| Return on Equity (ROE) | 20.5161% | 354 |
| Retained earnings to average equity (ytd only) | 10.4876% | 1,162 |
| Net charge-offs to loans | -0.0405% | 6,455 |
| Credit loss provision to net charge-offs | -360.8696% | 5,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6500% | 5,517 |
| Assets per employee ($millions) | 3.0572% | 6,048 |
| Cash dividends to net income (ytd only)* | 48.8812% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 4,760 |
| Loan loss allowance to noncurrent loans | 182.0028% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 5,349 |
| Noncurrent loans to loans | 0.7482% | 5,167 |
| Net loans and leases to total assets | 58.9166% | 3,870 |
| Net loans and leases to deposits | 65.1255% | 4,472 |
| Net loans and leases to core deposits | 70.2805% | 4,375 |
| Total domestic deposits to total assets | 90.4663% | 822 |
| Equity capital to assets | 8.1304% | 6,429 |
| Core capital (leverage) ratio | 7.6275% | 6,551 |
| Tier 1 risk-based capital ratio | 11.1566% | 6,469 |
| Total risk-based capital ratio | 12.3625% | 6,474 |
| Memoranda: | ||
| Average total assets | $1,115,495,500 | 594 |
| Average earning assets | $980,135,500 | 607 |
| Average equity | $89,744,000 | 773 |
| Average total loans | $680,730,500 | 611 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1941% | 2,083 |
| Cost of funding earning assets | 0.9116% | 4,038 |
| Net interest margin | 4.2824% | 1,761 |
| Noninterest income to average assets | 1.2086% | 906 |
| Noninterest expense to average assets | 3.1629% | 2,990 |
| Loan and lease loss provision to assets | 0.1489% | 4,753 |
| Net operating income to assets | 1.6671% | 586 |
| Return on assets (ROA) | 1.6673% | 625 |
| Pretax return on assets | 1.7087% | 969 |
| Return on Equity (ROE) | 20.1787% | 257 |
| Retained earnings to average equity (ytd only) | 10.4462% | 482 |
| Net charge-offs to loans | 0.1659% | 4,822 |
| Credit loss provision to net charge-offs | 136.1162% | 2,198 |
| Earnings coverage of net charge-offs (x) | 16.9773% | 1,295 |
| Efficiency ratio | 61.6766% | 5,506 |
| Assets per employee ($millions) | 3.0719% | 5,951 |
| Cash dividends to net income (ytd only)* | 48.2315% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 5,150 |
| Loan loss allowance to noncurrent loans | 329.5472% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 5,956 |
| Noncurrent loans to loans | 0.3803% | 5,955 |
| Net loans and leases to total assets | 61.5327% | 3,688 |
| Net loans and leases to deposits | 68.0859% | 4,442 |
| Net loans and leases to core deposits | 73.0218% | 4,377 |
| Total domestic deposits to total assets | 90.3751% | 776 |
| Equity capital to assets | 7.9605% | 6,599 |
| Core capital (leverage) ratio | 7.8578% | 6,392 |
| Tier 1 risk-based capital ratio | 10.4268% | 6,717 |
| Total risk-based capital ratio | 11.5479% | 6,749 |
| Memoranda: | ||
| Average total assets | $1,007,239,400 | 655 |
| Average earning assets | $896,545,000 | 657 |
| Average equity | $83,226,400 | 807 |
| Average total loans | $664,295,200 | 622 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2453% | 2,048 |
| Cost of funding earning assets | 0.9435% | 4,091 |
| Net interest margin | 4.3018% | 1,709 |
| Noninterest income to average assets | 1.2006% | 916 |
| Noninterest expense to average assets | 3.2644% | 2,622 |
| Loan and lease loss provision to assets | 0.1527% | 4,550 |
| Net operating income to assets | 1.6095% | 758 |
| Return on assets (ROA) | 1.6095% | 832 |
| Pretax return on assets | 1.6506% | 1,254 |
| Return on Equity (ROE) | 19.2773% | 358 |
| Retained earnings to average equity (ytd only) | 9.4952% | 987 |
| Net charge-offs to loans | 0.2255% | 4,027 |
| Credit loss provision to net charge-offs | 101.0811% | 3,322 |
| Earnings coverage of net charge-offs (x) | 11.9352% | 1,759 |
| Efficiency ratio | 63.0889% | 5,222 |
| Assets per employee ($millions) | 2.8881% | 6,335 |
| Cash dividends to net income (ytd only)* | 50.7442% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 5,258 |
| Loan loss allowance to noncurrent loans | 399.0440% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 6,197 |
| Noncurrent loans to loans | 0.3127% | 6,222 |
| Net loans and leases to total assets | 65.1710% | 3,070 |
| Net loans and leases to deposits | 74.8883% | 3,523 |
| Net loans and leases to core deposits | 80.6047% | 3,547 |
| Total domestic deposits to total assets | 87.0243% | 2,643 |
| Equity capital to assets | 8.4755% | 6,318 |
| Core capital (leverage) ratio | 8.0686% | 6,322 |
| Tier 1 risk-based capital ratio | 10.7280% | 6,698 |
| Total risk-based capital ratio | 11.8609% | 6,714 |
| Memoranda: | ||
| Average total assets | $979,505,250 | 676 |
| Average earning assets | $880,531,500 | 676 |
| Average equity | $81,780,000 | 822 |
| Average total loans | $656,174,750 | 635 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2879% | 1,926 |
| Cost of funding earning assets | 0.9680% | 4,188 |
| Net interest margin | 4.3200% | 1,597 |
| Noninterest income to average assets | 1.2050% | 881 |
| Noninterest expense to average assets | 3.2284% | 2,811 |
| Loan and lease loss provision to assets | 0.1537% | 4,392 |
| Net operating income to assets | 1.6736% | 632 |
| Return on assets (ROA) | 1.6736% | 676 |
| Pretax return on assets | 1.7147% | 1,025 |
| Return on Equity (ROE) | 20.1516% | 303 |
| Retained earnings to average equity (ytd only) | 10.4502% | 756 |
| Net charge-offs to loans | 0.0893% | 4,768 |
| Credit loss provision to net charge-offs | 255.6701% | 1,184 |
| Earnings coverage of net charge-offs (x) | 31.0790% | 895 |
| Efficiency ratio | 62.0121% | 5,581 |
| Assets per employee ($millions) | 2.8177% | 6,439 |
| Cash dividends to net income (ytd only)* | 48.1422% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 4,912 |
| Loan loss allowance to noncurrent loans | 373.3220% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 6,175 |
| Noncurrent loans to loans | 0.3570% | 6,199 |
| Net loans and leases to total assets | 65.7768% | 3,074 |
| Net loans and leases to deposits | 75.6581% | 3,535 |
| Net loans and leases to core deposits | 81.4406% | 3,592 |
| Total domestic deposits to total assets | 86.9394% | 2,776 |
| Equity capital to assets | 8.5018% | 6,182 |
| Core capital (leverage) ratio | 7.8776% | 6,435 |
| Tier 1 risk-based capital ratio | 10.6663% | 6,729 |
| Total risk-based capital ratio | 11.8796% | 6,732 |
| Memoranda: | ||
| Average total assets | $968,099,330 | 693 |
| Average earning assets | $872,139,330 | 691 |
| Average equity | $80,400,670 | 835 |
| Average total loans | $651,899,330 | 654 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1948% | 2,241 |
| Cost of funding earning assets | 0.9705% | 4,419 |
| Net interest margin | 4.2243% | 1,821 |
| Noninterest income to average assets | 1.1996% | 887 |
| Noninterest expense to average assets | 3.2618% | 2,672 |
| Loan and lease loss provision to assets | 0.1545% | 4,091 |
| Net operating income to assets | 1.5488% | 780 |
| Return on assets (ROA) | 1.5488% | 818 |
| Pretax return on assets | 1.5902% | 1,219 |
| Return on Equity (ROE) | 18.8802% | 405 |
| Retained earnings to average equity (ytd only) | 8.9513% | 1,394 |
| Net charge-offs to loans | -0.0031% | 6,201 |
| Credit loss provision to net charge-offs | -7,400.0000% | 6,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7911% | 5,395 |
| Assets per employee ($millions) | 2.7859% | 6,559 |
| Cash dividends to net income (ytd only)* | 52.5890% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 4,808 |
| Loan loss allowance to noncurrent loans | 160.9869% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 5,864 |
| Noncurrent loans to loans | 0.8510% | 5,343 |
| Net loans and leases to total assets | 64.3154% | 3,386 |
| Net loans and leases to deposits | 72.1717% | 4,051 |
| Net loans and leases to core deposits | 77.3394% | 4,109 |
| Total domestic deposits to total assets | 89.1144% | 1,698 |
| Equity capital to assets | 8.1621% | 6,328 |
| Core capital (leverage) ratio | 7.7862% | 6,477 |
| Tier 1 risk-based capital ratio | 10.6498% | 6,720 |
| Total risk-based capital ratio | 11.8883% | 6,714 |
| Memoranda: | ||
| Average total assets | $957,637,000 | 704 |
| Average earning assets | $863,017,000 | 703 |
| Average equity | $78,558,500 | 852 |
| Average total loans | $648,181,000 | 661 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4100% | 2,626 |
| Cost of funding earning assets | 1.2609% | 4,138 |
| Net interest margin | 4.1491% | 2,366 |
| Noninterest income to average assets | 1.3041% | 863 |
| Noninterest expense to average assets | 3.2589% | 2,875 |
| Loan and lease loss provision to assets | 0.3352% | 4,141 |
| Net operating income to assets | 1.3958% | 959 |
| Return on assets (ROA) | 1.4280% | 958 |
| Pretax return on assets | 1.4692% | 1,456 |
| Return on Equity (ROE) | 17.8326% | 389 |
| Retained earnings to average equity (ytd only) | 4.1076% | 2,981 |
| Net charge-offs to loans | 0.1579% | 5,402 |
| Credit loss provision to net charge-offs | 313.1524% | 844 |
| Earnings coverage of net charge-offs (x) | 16.5480% | 1,202 |
| Efficiency ratio | 62.8196% | 5,550 |
| Assets per employee ($millions) | 2.7734% | 6,564 |
| Cash dividends to net income (ytd only)* | 76.9658% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 5,194 |
| Loan loss allowance to noncurrent loans | 59.1667% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.4985% | 4,069 |
| Noncurrent loans to loans | 2.1330% | 3,390 |
| Net loans and leases to total assets | 69.3674% | 2,694 |
| Net loans and leases to deposits | 80.3515% | 3,105 |
| Net loans and leases to core deposits | 86.4829% | 3,255 |
| Total domestic deposits to total assets | 86.3300% | 3,182 |
| Equity capital to assets | 8.2461% | 6,210 |
| Core capital (leverage) ratio | 7.7709% | 6,471 |
| Tier 1 risk-based capital ratio | 10.1570% | 6,904 |
| Total risk-based capital ratio | 11.3212% | 6,931 |
| Memoranda: | ||
| Average total assets | $895,015,800 | 749 |
| Average earning assets | $803,766,000 | 758 |
| Average equity | $71,672,200 | 938 |
| Average total loans | $606,618,400 | 731 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 2,757 |
| Cost of funding earning assets | 1.3046% | 4,184 |
| Net interest margin | 4.1222% | 2,524 |
| Noninterest income to average assets | 1.2770% | 845 |
| Noninterest expense to average assets | 3.3535% | 2,423 |
| Loan and lease loss provision to assets | 0.3392% | 3,888 |
| Net operating income to assets | 1.2317% | 1,509 |
| Return on assets (ROA) | 1.2468% | 1,555 |
| Pretax return on assets | 1.2883% | 2,206 |
| Return on Equity (ROE) | 15.6940% | 748 |
| Retained earnings to average equity (ytd only) | -2.9872% | 6,348 |
| Net charge-offs to loans | 0.1801% | 4,874 |
| Credit loss provision to net charge-offs | 280.6492% | 1,160 |
| Earnings coverage of net charge-offs (x) | 13.3384% | 1,587 |
| Efficiency ratio | 65.5526% | 4,955 |
| Assets per employee ($millions) | 2.6941% | 6,784 |
| Cash dividends to net income (ytd only)* | 119.0344% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 5,545 |
| Loan loss allowance to noncurrent loans | 64.7620% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.2935% | 4,556 |
| Noncurrent loans to loans | 1.8388% | 3,879 |
| Net loans and leases to total assets | 69.5086% | 2,847 |
| Net loans and leases to deposits | 79.1949% | 3,601 |
| Net loans and leases to core deposits | 85.1376% | 3,778 |
| Total domestic deposits to total assets | 87.7690% | 2,116 |
| Equity capital to assets | 8.2372% | 6,568 |
| Core capital (leverage) ratio | 7.5634% | 6,803 |
| Tier 1 risk-based capital ratio | 9.7397% | 7,171 |
| Total risk-based capital ratio | 10.8487% | 7,220 |
| Memoranda: | ||
| Average total assets | $883,720,000 | 761 |
| Average earning assets | $790,716,500 | 771 |
| Average equity | $70,207,750 | 956 |
| Average total loans | $593,141,000 | 753 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4139% | 2,916 |
| Cost of funding earning assets | 1.3284% | 4,354 |
| Net interest margin | 4.0855% | 2,626 |
| Noninterest income to average assets | 1.3127% | 737 |
| Noninterest expense to average assets | 3.4254% | 2,204 |
| Loan and lease loss provision to assets | 0.2289% | 4,620 |
| Net operating income to assets | 1.2612% | 1,397 |
| Return on assets (ROA) | 1.2612% | 1,467 |
| Pretax return on assets | 1.3028% | 2,076 |
| Return on Equity (ROE) | 16.0850% | 684 |
| Retained earnings to average equity (ytd only) | -9.4493% | 6,894 |
| Net charge-offs to loans | 0.2080% | 4,368 |
| Credit loss provision to net charge-offs | 166.8342% | 2,352 |
| Earnings coverage of net charge-offs (x) | 11.1642% | 1,796 |
| Efficiency ratio | 67.1442% | 4,736 |
| Assets per employee ($millions) | 2.6247% | 6,906 |
| Cash dividends to net income (ytd only)* | 158.7464% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 5,970 |
| Loan loss allowance to noncurrent loans | 49.4642% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.5074% | 4,193 |
| Noncurrent loans to loans | 2.2115% | 3,473 |
| Net loans and leases to total assets | 67.4154% | 3,519 |
| Net loans and leases to deposits | 75.6975% | 4,384 |
| Net loans and leases to core deposits | 82.1665% | 4,391 |
| Total domestic deposits to total assets | 89.0589% | 1,400 |
| Equity capital to assets | 7.8728% | 6,870 |
| Core capital (leverage) ratio | 7.0175% | 7,185 |
| Tier 1 risk-based capital ratio | 9.4788% | 7,266 |
| Total risk-based capital ratio | 10.4915% | 7,357 |
| Memoranda: | ||
| Average total assets | $870,266,330 | 773 |
| Average earning assets | $776,300,330 | 789 |
| Average equity | $68,237,670 | 973 |
| Average total loans | $574,169,000 | 797 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4122% | 2,984 |
| Cost of funding earning assets | 1.3185% | 4,702 |
| Net interest margin | 4.0937% | 2,469 |
| Noninterest income to average assets | 1.3150% | 697 |
| Noninterest expense to average assets | 3.3837% | 2,280 |
| Loan and lease loss provision to assets | 0.1153% | 5,455 |
| Net operating income to assets | 1.4121% | 1,047 |
| Return on assets (ROA) | 1.4121% | 1,117 |
| Pretax return on assets | 1.4537% | 1,632 |
| Return on Equity (ROE) | 18.0479% | 514 |
| Retained earnings to average equity (ytd only) | 11.3337% | 859 |
| Net charge-offs to loans | 0.0072% | 5,495 |
| Credit loss provision to net charge-offs | 2,470.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 336.0000% | 86 |
| Efficiency ratio | 66.5190% | 5,002 |
| Assets per employee ($millions) | 2.5699% | 7,094 |
| Cash dividends to net income (ytd only)* | 37.2024% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 5,656 |
| Loan loss allowance to noncurrent loans | 178.0534% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 6,395 |
| Noncurrent loans to loans | 0.6573% | 6,007 |
| Net loans and leases to total assets | 64.6402% | 4,185 |
| Net loans and leases to deposits | 73.4525% | 4,832 |
| Net loans and leases to core deposits | 79.2539% | 4,856 |
| Total domestic deposits to total assets | 88.0026% | 2,054 |
| Equity capital to assets | 8.0103% | 6,642 |
| Core capital (leverage) ratio | 7.3751% | 6,962 |
| Tier 1 risk-based capital ratio | 10.1902% | 6,894 |
| Total risk-based capital ratio | 11.2643% | 7,014 |
| Memoranda: | ||
| Average total assets | $856,573,000 | 806 |
| Average earning assets | $761,164,500 | 827 |
| Average equity | $67,021,500 | 992 |
| Average total loans | $555,329,000 | 852 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6407% | 3,392 |
| Cost of funding earning assets | 1.6480% | 4,805 |
| Net interest margin | 3.9927% | 2,893 |
| Noninterest income to average assets | 1.3756% | 778 |
| Noninterest expense to average assets | 3.4050% | 2,665 |
| Loan and lease loss provision to assets | 0.1256% | 6,381 |
| Net operating income to assets | 1.3504% | 941 |
| Return on assets (ROA) | 1.3504% | 989 |
| Pretax return on assets | 1.3922% | 1,456 |
| Return on Equity (ROE) | 17.0595% | 454 |
| Retained earnings to average equity (ytd only) | 10.1564% | 355 |
| Net charge-offs to loans | 0.1007% | 6,127 |
| Credit loss provision to net charge-offs | 187.6173% | 2,153 |
| Earnings coverage of net charge-offs (x) | 22.6698% | 955 |
| Efficiency ratio | 67.1702% | 5,148 |
| Assets per employee ($millions) | 2.5902% | 7,058 |
| Cash dividends to net income (ytd only)* | 40.4651% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 5,696 |
| Loan loss allowance to noncurrent loans | 205.8208% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 6,555 |
| Noncurrent loans to loans | 0.5534% | 6,135 |
| Net loans and leases to total assets | 63.5299% | 4,699 |
| Net loans and leases to deposits | 72.1481% | 5,305 |
| Net loans and leases to core deposits | 84.3017% | 5,688 |
| Total domestic deposits to total assets | 88.0549% | 1,950 |
| Equity capital to assets | 7.6399% | 6,907 |
| Core capital (leverage) ratio | 7.2935% | 6,991 |
| Tier 1 risk-based capital ratio | 9.7842% | 7,032 |
| Total risk-based capital ratio | 10.8130% | 7,169 |
| Memoranda: | ||
| Average total assets | $796,082,800 | 863 |
| Average earning assets | $707,269,400 | 883 |
| Average equity | $63,014,600 | 1,050 |
| Average total loans | $529,176,800 | 903 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6616% | 3,516 |
| Cost of funding earning assets | 1.7064% | 4,861 |
| Net interest margin | 3.9552% | 3,012 |
| Noninterest income to average assets | 1.3946% | 783 |
| Noninterest expense to average assets | 3.5091% | 2,259 |
| Loan and lease loss provision to assets | 0.0921% | 6,447 |
| Net operating income to assets | 1.2798% | 1,267 |
| Return on assets (ROA) | 1.2798% | 1,340 |
| Pretax return on assets | 1.3218% | 1,902 |
| Return on Equity (ROE) | 16.0140% | 654 |
| Retained earnings to average equity (ytd only) | 9.1170% | 816 |
| Net charge-offs to loans | 0.0752% | 5,939 |
| Credit loss provision to net charge-offs | 182.7119% | 2,496 |
| Earnings coverage of net charge-offs (x) | 28.0443% | 976 |
| Efficiency ratio | 69.2380% | 4,734 |
| Assets per employee ($millions) | 2.4767% | 7,266 |
| Cash dividends to net income (ytd only)* | 43.0689% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 5,701 |
| Loan loss allowance to noncurrent loans | 489.5968% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 7,158 |
| Noncurrent loans to loans | 0.2254% | 6,935 |
| Net loans and leases to total assets | 66.9613% | 4,195 |
| Net loans and leases to deposits | 74.4245% | 5,302 |
| Net loans and leases to core deposits | 87.5042% | 5,689 |
| Total domestic deposits to total assets | 89.9721% | 775 |
| Equity capital to assets | 7.9591% | 6,888 |
| Core capital (leverage) ratio | 7.2098% | 7,259 |
| Tier 1 risk-based capital ratio | 9.5863% | 7,311 |
| Total risk-based capital ratio | 10.5981% | 7,447 |
| Memoranda: | ||
| Average total assets | $780,119,750 | 885 |
| Average earning assets | $695,941,000 | 907 |
| Average equity | $62,343,750 | 1,074 |
| Average total loans | $523,318,500 | 925 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6159% | 3,992 |
| Cost of funding earning assets | 1.7475% | 5,028 |
| Net interest margin | 3.8684% | 3,258 |
| Noninterest income to average assets | 1.3889% | 792 |
| Noninterest expense to average assets | 3.4493% | 2,496 |
| Loan and lease loss provision to assets | 0.1245% | 5,865 |
| Net operating income to assets | 1.2031% | 1,465 |
| Return on assets (ROA) | 1.2031% | 1,552 |
| Pretax return on assets | 1.2449% | 2,177 |
| Return on Equity (ROE) | 15.0326% | 824 |
| Retained earnings to average equity (ytd only) | 8.2114% | 1,149 |
| Net charge-offs to loans | 0.1139% | 5,020 |
| Credit loss provision to net charge-offs | 163.4812% | 2,809 |
| Earnings coverage of net charge-offs (x) | 17.9795% | 1,439 |
| Efficiency ratio | 69.4665% | 4,886 |
| Assets per employee ($millions) | 2.4002% | 7,426 |
| Cash dividends to net income (ytd only)* | 45.3760% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,568 |
| Loan loss allowance to noncurrent loans | 473.8377% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 7,146 |
| Noncurrent loans to loans | 0.2332% | 6,929 |
| Net loans and leases to total assets | 68.7885% | 4,001 |
| Net loans and leases to deposits | 77.2716% | 4,981 |
| Net loans and leases to core deposits | 90.6450% | 5,481 |
| Total domestic deposits to total assets | 89.0218% | 1,260 |
| Equity capital to assets | 7.9870% | 6,768 |
| Core capital (leverage) ratio | 7.1960% | 7,363 |
| Tier 1 risk-based capital ratio | 9.4413% | 7,442 |
| Total risk-based capital ratio | 10.4625% | 7,584 |
| Memoranda: | ||
| Average total assets | $769,375,000 | 916 |
| Average earning assets | $682,135,330 | 936 |
| Average equity | $61,573,000 | 1,107 |
| Average total loans | $514,413,330 | 968 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 4,580 |
| Cost of funding earning assets | 1.7778% | 5,220 |
| Net interest margin | 3.7826% | 3,522 |
| Noninterest income to average assets | 1.3565% | 776 |
| Noninterest expense to average assets | 3.4241% | 2,292 |
| Loan and lease loss provision to assets | 0.0309% | 6,543 |
| Net operating income to assets | 1.1898% | 1,687 |
| Return on assets (ROA) | 1.1898% | 1,796 |
| Pretax return on assets | 1.2317% | 2,515 |
| Return on Equity (ROE) | 14.8515% | 1,002 |
| Retained earnings to average equity (ytd only) | 7.9789% | 1,825 |
| Net charge-offs to loans | 0.2178% | 3,336 |
| Credit loss provision to net charge-offs | 21.6912% | 5,058 |
| Earnings coverage of net charge-offs (x) | 8.8529% | 2,136 |
| Efficiency ratio | 70.8436% | 4,399 |
| Assets per employee ($millions) | 2.4020% | 7,455 |
| Cash dividends to net income (ytd only)* | 46.2759% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 5,429 |
| Loan loss allowance to noncurrent loans | 81.1389% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.9176% | 4,897 |
| Noncurrent loans to loans | 1.3622% | 4,277 |
| Net loans and leases to total assets | 65.5542% | 4,686 |
| Net loans and leases to deposits | 73.2934% | 5,572 |
| Net loans and leases to core deposits | 85.3832% | 5,962 |
| Total domestic deposits to total assets | 89.4407% | 1,038 |
| Equity capital to assets | 8.0230% | 6,770 |
| Core capital (leverage) ratio | 7.1890% | 7,488 |
| Tier 1 risk-based capital ratio | 9.7165% | 7,236 |
| Total risk-based capital ratio | 10.7250% | 7,397 |
| Memoranda: | ||
| Average total assets | $762,825,000 | 921 |
| Average earning assets | $671,598,500 | 949 |
| Average equity | $61,111,500 | 1,122 |
| Average total loans | $499,487,000 | 1,006 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3694% | 3,580 |
| Cost of funding earning assets | 2.5612% | 3,898 |
| Net interest margin | 3.8081% | 3,986 |
| Noninterest income to average assets | 1.5771% | 563 |
| Noninterest expense to average assets | 3.5763% | 2,209 |
| Loan and lease loss provision to assets | 0.0341% | 6,978 |
| Net operating income to assets | 1.2310% | 1,681 |
| Return on assets (ROA) | 1.2311% | 1,625 |
| Pretax return on assets | 1.2730% | 2,396 |
| Return on Equity (ROE) | 15.3337% | 878 |
| Retained earnings to average equity (ytd only) | 10.8191% | 348 |
| Net charge-offs to loans | -0.0605% | 8,047 |
| Credit loss provision to net charge-offs | -88.2353% | 7,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8863% | 4,158 |
| Assets per employee ($millions) | 2.4108% | 7,386 |
| Cash dividends to net income (ytd only)* | 29.4423% | 4,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 4,646 |
| Loan loss allowance to noncurrent loans | 730.3258% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 7,098 |
| Noncurrent loans to loans | 0.1625% | 6,915 |
| Net loans and leases to total assets | 63.8956% | 5,291 |
| Net loans and leases to deposits | 71.8364% | 6,074 |
| Net loans and leases to core deposits | 82.2169% | 6,440 |
| Total domestic deposits to total assets | 88.9459% | 1,068 |
| Equity capital to assets | 7.9993% | 6,845 |
| Core capital (leverage) ratio | 7.3217% | 7,391 |
| Tier 1 risk-based capital ratio | 9.6778% | 7,113 |
| Total risk-based capital ratio | 10.7485% | 7,229 |
| Memoranda: | ||
| Average total assets | $703,520,000 | 951 |
| Average earning assets | $610,799,600 | 994 |
| Average equity | $56,483,400 | 1,189 |
| Average total loans | $449,231,200 | 1,070 |