Home > Elmira Savings Bank > Performance and Condition Ratios
Elmira Savings Bank, Performance and Condition Ratios
| 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 | 3.2389% | 2,574 |
| Cost of funding earning assets | 0.2800% | 1,823 |
| Net interest margin | 2.9590% | 2,642 |
| Noninterest income to average assets | 0.5727% | 1,810 |
| Noninterest expense to average assets | 2.2652% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7499% | 2,854 |
| Return on assets (ROA) | 0.7499% | 2,847 |
| Pretax return on assets | 0.9541% | 2,592 |
| Return on Equity (ROE) | 7.2700% | 2,950 |
| Retained earnings to average equity (ytd only) | 3.9462% | 2,950 |
| Net charge-offs to loans | 0.0441% | 844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 29.1373% | 1,145 |
| Efficiency ratio | 70.3630% | 2,179 |
| Assets per employee ($millions) | 6.1976% | 2,635 |
| Cash dividends to net income (ytd only)* | 45.7192% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,781 |
| Loan loss allowance to noncurrent loans | 148.9834% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 847 |
| Noncurrent loans to loans | 0.8152% | 1,159 |
| Net loans and leases to total assets | 73.8240% | 675 |
| Net loans and leases to deposits | 86.3821% | 713 |
| Net loans and leases to core deposits | 91.3944% | 845 |
| Total domestic deposits to total assets | 85.4621% | 3,415 |
| Equity capital to assets | 10.5294% | 1,584 |
| Core capital (leverage) ratio | 9.0362% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9910% | 1,515 |
| Memoranda: | ||
| Average total assets | $622,978,000 | 1,449 |
| Average earning assets | $557,224,000 | 1,512 |
| Average equity | $64,264,500 | 1,413 |
| Average total loans | $462,654,500 | 1,232 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5534% | 2,507 |
| Cost of funding earning assets | 0.4461% | 1,232 |
| Net interest margin | 3.1073% | 2,883 |
| Noninterest income to average assets | 0.9319% | 1,135 |
| Noninterest expense to average assets | 2.6519% | 1,747 |
| Loan and lease loss provision to assets | 0.0232% | 2,601 |
| Net operating income to assets | 0.8080% | 3,311 |
| Return on assets (ROA) | 0.8080% | 3,383 |
| Pretax return on assets | 1.0446% | 3,140 |
| Return on Equity (ROE) | 8.3713% | 3,113 |
| Retained earnings to average equity (ytd only) | 4.9596% | 2,797 |
| Net charge-offs to loans | 0.0597% | 1,185 |
| Credit loss provision to net charge-offs | 52.6316% | 2,118 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,753 |
| Efficiency ratio | 71.2924% | 1,584 |
| Assets per employee ($millions) | 6.3240% | 2,465 |
| Cash dividends to net income (ytd only)* | 40.7549% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 2,866 |
| Loan loss allowance to noncurrent loans | 171.7079% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 1,123 |
| Noncurrent loans to loans | 0.7012% | 1,437 |
| Net loans and leases to total assets | 72.9236% | 761 |
| Net loans and leases to deposits | 85.7280% | 808 |
| Net loans and leases to core deposits | 90.8547% | 931 |
| Total domestic deposits to total assets | 85.0639% | 3,250 |
| Equity capital to assets | 10.1084% | 2,549 |
| Core capital (leverage) ratio | 8.7306% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5236% | 1,681 |
| Memoranda: | ||
| Average total assets | $645,887,800 | 1,368 |
| Average earning assets | $579,477,000 | 1,415 |
| Average equity | $62,343,600 | 1,468 |
| Average total loans | $477,420,800 | 1,203 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 2,562 |
| Cost of funding earning assets | 0.4941% | 1,076 |
| Net interest margin | 3.1066% | 3,040 |
| Noninterest income to average assets | 0.9984% | 1,074 |
| Noninterest expense to average assets | 2.6567% | 1,690 |
| Loan and lease loss provision to assets | 0.0308% | 2,378 |
| Net operating income to assets | 0.8455% | 3,401 |
| Return on assets (ROA) | 0.8455% | 3,462 |
| Pretax return on assets | 1.0974% | 3,197 |
| Return on Equity (ROE) | 8.8609% | 3,152 |
| Retained earnings to average equity (ytd only) | 5.4281% | 3,062 |
| Net charge-offs to loans | 0.0772% | 895 |
| Credit loss provision to net charge-offs | 53.9568% | 1,840 |
| Earnings coverage of net charge-offs (x) | 19.7626% | 1,750 |
| Efficiency ratio | 70.1915% | 1,579 |
| Assets per employee ($millions) | 5.5983% | 3,102 |
| Cash dividends to net income (ytd only)* | 38.7418% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,977 |
| Loan loss allowance to noncurrent loans | 175.9537% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 1,359 |
| Noncurrent loans to loans | 0.6837% | 1,612 |
| Net loans and leases to total assets | 71.7823% | 891 |
| Net loans and leases to deposits | 84.3787% | 937 |
| Net loans and leases to core deposits | 89.1313% | 1,085 |
| Total domestic deposits to total assets | 85.0715% | 3,090 |
| Equity capital to assets | 9.8393% | 3,070 |
| Core capital (leverage) ratio | 8.3962% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3733% | 1,840 |
| Memoranda: | ||
| Average total assets | $649,261,000 | 1,381 |
| Average earning assets | $582,366,000 | 1,425 |
| Average equity | $61,948,250 | 1,492 |
| Average total loans | $480,079,750 | 1,223 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 2,663 |
| Cost of funding earning assets | 0.5550% | 916 |
| Net interest margin | 3.0340% | 3,230 |
| Noninterest income to average assets | 1.0122% | 1,051 |
| Noninterest expense to average assets | 2.6501% | 1,726 |
| Loan and lease loss provision to assets | 0.0461% | 2,096 |
| Net operating income to assets | 0.8005% | 3,511 |
| Return on assets (ROA) | 0.8005% | 3,585 |
| Pretax return on assets | 1.0380% | 3,357 |
| Return on Equity (ROE) | 8.4772% | 3,265 |
| Retained earnings to average equity (ytd only) | 5.0193% | 3,173 |
| Net charge-offs to loans | 0.0471% | 1,164 |
| Credit loss provision to net charge-offs | 131.5789% | 1,215 |
| Earnings coverage of net charge-offs (x) | 30.9561% | 1,293 |
| Efficiency ratio | 70.9691% | 1,531 |
| Assets per employee ($millions) | 5.6425% | 2,970 |
| Cash dividends to net income (ytd only)* | 40.7905% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,853 |
| Loan loss allowance to noncurrent loans | 116.1219% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 1,068 |
| Noncurrent loans to loans | 1.0452% | 1,174 |
| Net loans and leases to total assets | 72.6372% | 892 |
| Net loans and leases to deposits | 85.2971% | 960 |
| Net loans and leases to core deposits | 90.5834% | 1,101 |
| Total domestic deposits to total assets | 85.1580% | 3,032 |
| Equity capital to assets | 9.6048% | 3,247 |
| Core capital (leverage) ratio | 8.1933% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9809% | 1,982 |
| Memoranda: | ||
| Average total assets | $651,080,000 | 1,364 |
| Average earning assets | $584,122,000 | 1,417 |
| Average equity | $61,482,333 | 1,495 |
| Average total loans | $484,185,000 | 1,214 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 2,333 |
| Cost of funding earning assets | 0.6177% | 809 |
| Net interest margin | 3.0928% | 3,011 |
| Noninterest income to average assets | 1.1825% | 872 |
| Noninterest expense to average assets | 2.8845% | 1,188 |
| Loan and lease loss provision to assets | 0.0920% | 1,451 |
| Net operating income to assets | 0.7385% | 3,606 |
| Return on assets (ROA) | 0.7385% | 3,676 |
| Pretax return on assets | 0.9789% | 3,434 |
| Return on Equity (ROE) | 7.8872% | 3,363 |
| Retained earnings to average equity (ytd only) | 4.4087% | 3,388 |
| Net charge-offs to loans | 0.0328% | 1,157 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 43.6500% | 954 |
| Efficiency ratio | 72.9260% | 1,413 |
| Assets per employee ($millions) | 5.7857% | 2,813 |
| Cash dividends to net income (ytd only)* | 44.1030% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,899 |
| Loan loss allowance to noncurrent loans | 108.4504% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8445% | 1,055 |
| Noncurrent loans to loans | 1.1126% | 1,204 |
| Net loans and leases to total assets | 72.8041% | 924 |
| Net loans and leases to deposits | 85.5918% | 989 |
| Net loans and leases to core deposits | 91.4643% | 1,142 |
| Total domestic deposits to total assets | 85.0597% | 3,067 |
| Equity capital to assets | 9.3109% | 3,378 |
| Core capital (leverage) ratio | 8.1122% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3668% | 2,131 |
| Memoranda: | ||
| Average total assets | $652,173,500 | 1,350 |
| Average earning assets | $584,709,000 | 1,396 |
| Average equity | $61,061,000 | 1,493 |
| Average total loans | $487,713,000 | 1,209 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 2,971 |
| Cost of funding earning assets | 1.0291% | 532 |
| Net interest margin | 2.8920% | 4,122 |
| Noninterest income to average assets | 1.1110% | 863 |
| Noninterest expense to average assets | 2.6542% | 2,372 |
| Loan and lease loss provision to assets | 0.2265% | 1,726 |
| Net operating income to assets | 0.6498% | 3,595 |
| Return on assets (ROA) | 0.6498% | 3,721 |
| Pretax return on assets | 0.8205% | 3,580 |
| Return on Equity (ROE) | 6.9871% | 3,215 |
| Retained earnings to average equity (ytd only) | 2.9652% | 3,377 |
| Net charge-offs to loans | 0.0527% | 2,037 |
| Credit loss provision to net charge-offs | 535.0554% | 1,199 |
| Earnings coverage of net charge-offs (x) | 24.7306% | 1,766 |
| Efficiency ratio | 71.7108% | 1,717 |
| Assets per employee ($millions) | 5.6559% | 2,682 |
| Cash dividends to net income (ytd only)* | 57.5619% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 3,076 |
| Loan loss allowance to noncurrent loans | 112.6003% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 1,250 |
| Noncurrent loans to loans | 1.0444% | 1,360 |
| Net loans and leases to total assets | 75.0045% | 903 |
| Net loans and leases to deposits | 88.2742% | 1,063 |
| Net loans and leases to core deposits | 94.6705% | 1,202 |
| Total domestic deposits to total assets | 84.9677% | 2,775 |
| Equity capital to assets | 9.4157% | 3,687 |
| Core capital (leverage) ratio | 7.8676% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0526% | 2,215 |
| Memoranda: | ||
| Average total assets | $640,073,000 | 1,272 |
| Average earning assets | $573,305,000 | 1,303 |
| Average equity | $59,524,200 | 1,452 |
| Average total loans | $514,609,000 | 1,112 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 3,092 |
| Cost of funding earning assets | 1.0999% | 541 |
| Net interest margin | 2.8580% | 4,249 |
| Noninterest income to average assets | 1.0391% | 966 |
| Noninterest expense to average assets | 2.6263% | 2,459 |
| Loan and lease loss provision to assets | 0.2243% | 1,807 |
| Net operating income to assets | 0.6000% | 3,767 |
| Return on assets (ROA) | 0.6000% | 3,867 |
| Pretax return on assets | 0.7490% | 3,781 |
| Return on Equity (ROE) | 6.4720% | 3,382 |
| Retained earnings to average equity (ytd only) | 2.2714% | 3,836 |
| Net charge-offs to loans | 0.0596% | 1,752 |
| Credit loss provision to net charge-offs | 461.3734% | 1,344 |
| Earnings coverage of net charge-offs (x) | 20.0172% | 1,920 |
| Efficiency ratio | 72.9608% | 1,532 |
| Assets per employee ($millions) | 5.8633% | 2,387 |
| Cash dividends to net income (ytd only)* | 64.9043% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 3,520 |
| Loan loss allowance to noncurrent loans | 104.1122% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8099% | 1,423 |
| Noncurrent loans to loans | 0.9987% | 1,497 |
| Net loans and leases to total assets | 76.4791% | 1,038 |
| Net loans and leases to deposits | 93.3071% | 981 |
| Net loans and leases to core deposits | 100.6564% | 1,120 |
| Total domestic deposits to total assets | 81.9649% | 3,429 |
| Equity capital to assets | 8.8850% | 4,192 |
| Core capital (leverage) ratio | 7.7573% | 4,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1890% | 2,537 |
| Memoranda: | ||
| Average total assets | $638,897,000 | 1,254 |
| Average earning assets | $572,411,250 | 1,292 |
| Average equity | $59,227,750 | 1,451 |
| Average total loans | $520,919,500 | 1,093 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 2,925 |
| Cost of funding earning assets | 1.1407% | 630 |
| Net interest margin | 3.0025% | 4,121 |
| Noninterest income to average assets | 0.9211% | 1,119 |
| Noninterest expense to average assets | 2.6366% | 2,556 |
| Loan and lease loss provision to assets | 0.1993% | 2,054 |
| Net operating income to assets | 0.6146% | 3,688 |
| Return on assets (ROA) | 0.6146% | 3,765 |
| Pretax return on assets | 0.7699% | 3,674 |
| Return on Equity (ROE) | 6.5322% | 3,319 |
| Retained earnings to average equity (ytd only) | 2.0000% | 3,755 |
| Net charge-offs to loans | 0.0676% | 1,572 |
| Credit loss provision to net charge-offs | 355.1136% | 1,500 |
| Earnings coverage of net charge-offs (x) | 17.2670% | 1,822 |
| Efficiency ratio | 73.1205% | 1,551 |
| Assets per employee ($millions) | 5.6811% | 2,462 |
| Cash dividends to net income (ytd only)* | 69.3825% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 3,793 |
| Loan loss allowance to noncurrent loans | 95.2787% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8175% | 1,520 |
| Noncurrent loans to loans | 0.9992% | 1,555 |
| Net loans and leases to total assets | 77.3323% | 948 |
| Net loans and leases to deposits | 94.6466% | 901 |
| Net loans and leases to core deposits | 102.5615% | 1,087 |
| Total domestic deposits to total assets | 81.7064% | 3,446 |
| Equity capital to assets | 8.7931% | 4,271 |
| Core capital (leverage) ratio | 8.3571% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8481% | 2,670 |
| Memoranda: | ||
| Average total assets | $627,102,333 | 1,257 |
| Average earning assets | $560,731,667 | 1,295 |
| Average equity | $59,000,333 | 1,443 |
| Average total loans | $520,858,667 | 1,080 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 2,561 |
| Cost of funding earning assets | 1.2212% | 714 |
| Net interest margin | 3.1957% | 3,869 |
| Noninterest income to average assets | 0.7554% | 1,449 |
| Noninterest expense to average assets | 2.7081% | 2,687 |
| Loan and lease loss provision to assets | 0.0332% | 3,355 |
| Net operating income to assets | 0.6757% | 3,346 |
| Return on assets (ROA) | 0.6757% | 3,418 |
| Pretax return on assets | 0.8556% | 3,267 |
| Return on Equity (ROE) | 6.9278% | 2,979 |
| Retained earnings to average equity (ytd only) | 1.4223% | 3,626 |
| Net charge-offs to loans | 0.0464% | 1,555 |
| Credit loss provision to net charge-offs | 83.3333% | 1,921 |
| Earnings coverage of net charge-offs (x) | 22.3167% | 1,362 |
| Efficiency ratio | 75.2906% | 1,645 |
| Assets per employee ($millions) | 4.7857% | 2,888 |
| Cash dividends to net income (ytd only)* | 79.4695% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 4,159 |
| Loan loss allowance to noncurrent loans | 105.4260% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 1,748 |
| Noncurrent loans to loans | 0.8421% | 1,930 |
| Net loans and leases to total assets | 85.2103% | 187 |
| Net loans and leases to deposits | 101.4701% | 467 |
| Net loans and leases to core deposits | 110.7052% | 815 |
| Total domestic deposits to total assets | 83.9758% | 2,795 |
| Equity capital to assets | 9.8617% | 3,914 |
| Core capital (leverage) ratio | 8.3308% | 4,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4159% | 2,961 |
| Memoranda: | ||
| Average total assets | $602,629,000 | 1,257 |
| Average earning assets | $535,850,500 | 1,297 |
| Average equity | $58,777,500 | 1,442 |
| Average total loans | $517,373,500 | 1,065 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 3,441 |
| Cost of funding earning assets | 1.2732% | 831 |
| Net interest margin | 3.0612% | 4,431 |
| Noninterest income to average assets | 0.7788% | 1,519 |
| Noninterest expense to average assets | 2.6989% | 2,888 |
| Loan and lease loss provision to assets | 0.1232% | 1,722 |
| Net operating income to assets | 0.5647% | 4,259 |
| Return on assets (ROA) | 0.5770% | 4,281 |
| Pretax return on assets | 0.6911% | 4,220 |
| Return on Equity (ROE) | 5.9831% | 3,925 |
| Retained earnings to average equity (ytd only) | 0.4394% | 4,564 |
| Net charge-offs to loans | 0.1073% | 1,654 |
| Credit loss provision to net charge-offs | 137.7778% | 1,869 |
| Earnings coverage of net charge-offs (x) | 8.9426% | 2,717 |
| Efficiency ratio | 77.1495% | 1,247 |
| Assets per employee ($millions) | 4.8178% | 2,819 |
| Cash dividends to net income (ytd only)* | 92.6563% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8793% | 4,053 |
| Loan loss allowance to noncurrent loans | 108.5132% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.7657% | 1,691 |
| Noncurrent loans to loans | 0.8103% | 1,886 |
| Net loans and leases to total assets | 84.9799% | 245 |
| Net loans and leases to deposits | 100.6399% | 556 |
| Net loans and leases to core deposits | 109.6437% | 875 |
| Total domestic deposits to total assets | 84.4395% | 2,710 |
| Equity capital to assets | 9.6469% | 4,221 |
| Core capital (leverage) ratio | 8.0678% | 5,018 |
| Tier 1 risk-based capital ratio | 11.1326% | 4,809 |
| Total risk-based capital ratio | 12.1766% | 4,791 |
| Memoranda: | ||
| Average total assets | $604,107,800 | 1,217 |
| Average earning assets | $536,658,800 | 1,258 |
| Average equity | $58,263,800 | 1,394 |
| Average total loans | $503,330,600 | 1,074 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 3,639 |
| Cost of funding earning assets | 1.2531% | 902 |
| Net interest margin | 3.0530% | 4,554 |
| Noninterest income to average assets | 0.7361% | 1,640 |
| Noninterest expense to average assets | 2.6758% | 2,928 |
| Loan and lease loss provision to assets | 0.1202% | 1,627 |
| Net operating income to assets | 0.5459% | 4,415 |
| Return on assets (ROA) | 0.5626% | 4,431 |
| Pretax return on assets | 0.6711% | 4,408 |
| Return on Equity (ROE) | 5.8337% | 4,094 |
| Retained earnings to average equity (ytd only) | 0.2841% | 4,710 |
| Net charge-offs to loans | 0.0954% | 1,521 |
| Credit loss provision to net charge-offs | 152.3810% | 1,611 |
| Earnings coverage of net charge-offs (x) | 9.7787% | 2,546 |
| Efficiency ratio | 77.6218% | 1,138 |
| Assets per employee ($millions) | 4.8494% | 2,732 |
| Cash dividends to net income (ytd only)* | 95.1296% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 4,132 |
| Loan loss allowance to noncurrent loans | 96.4255% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 1,736 |
| Noncurrent loans to loans | 0.9094% | 1,756 |
| Net loans and leases to total assets | 83.6799% | 386 |
| Net loans and leases to deposits | 98.6293% | 757 |
| Net loans and leases to core deposits | 107.9004% | 1,060 |
| Total domestic deposits to total assets | 84.8429% | 2,479 |
| Equity capital to assets | 9.4780% | 4,473 |
| Core capital (leverage) ratio | 7.9617% | 5,126 |
| Tier 1 risk-based capital ratio | 11.1080% | 4,860 |
| Total risk-based capital ratio | 12.1508% | 4,844 |
| Memoranda: | ||
| Average total assets | $603,373,500 | 1,221 |
| Average earning assets | $535,812,750 | 1,267 |
| Average equity | $58,189,500 | 1,401 |
| Average total loans | $499,052,750 | 1,081 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 3,683 |
| Cost of funding earning assets | 1.2024% | 989 |
| Net interest margin | 3.0800% | 4,571 |
| Noninterest income to average assets | 0.7059% | 1,690 |
| Noninterest expense to average assets | 2.6912% | 2,936 |
| Loan and lease loss provision to assets | 0.0981% | 1,903 |
| Net operating income to assets | 0.5491% | 4,421 |
| Return on assets (ROA) | 0.5491% | 4,459 |
| Pretax return on assets | 0.6525% | 4,444 |
| Return on Equity (ROE) | 5.6599% | 4,159 |
| Retained earnings to average equity (ytd only) | 0.1067% | 4,660 |
| Net charge-offs to loans | 0.0902% | 1,462 |
| Credit loss provision to net charge-offs | 132.4324% | 1,641 |
| Earnings coverage of net charge-offs (x) | 10.1306% | 2,290 |
| Efficiency ratio | 78.1905% | 1,124 |
| Assets per employee ($millions) | 4.5566% | 3,049 |
| Cash dividends to net income (ytd only)* | 98.1155% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 4,150 |
| Loan loss allowance to noncurrent loans | 93.5579% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 1,728 |
| Noncurrent loans to loans | 0.9458% | 1,720 |
| Net loans and leases to total assets | 81.5260% | 670 |
| Net loans and leases to deposits | 96.1270% | 1,017 |
| Net loans and leases to core deposits | 104.5192% | 1,337 |
| Total domestic deposits to total assets | 84.8108% | 2,562 |
| Equity capital to assets | 9.5495% | 4,361 |
| Core capital (leverage) ratio | 8.1078% | 5,134 |
| Tier 1 risk-based capital ratio | 11.4551% | 4,706 |
| Total risk-based capital ratio | 12.5077% | 4,695 |
| Memoranda: | ||
| Average total assets | $599,208,670 | 1,229 |
| Average earning assets | $532,273,000 | 1,270 |
| Average equity | $58,128,670 | 1,397 |
| Average total loans | $492,098,000 | 1,095 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 3,789 |
| Cost of funding earning assets | 1.1160% | 1,138 |
| Net interest margin | 3.1104% | 4,575 |
| Noninterest income to average assets | 0.6726% | 1,714 |
| Noninterest expense to average assets | 2.6061% | 3,201 |
| Loan and lease loss provision to assets | 0.0890% | 1,933 |
| Net operating income to assets | 0.6247% | 4,167 |
| Return on assets (ROA) | 0.6247% | 4,211 |
| Pretax return on assets | 0.7407% | 4,195 |
| Return on Equity (ROE) | 6.3888% | 3,878 |
| Retained earnings to average equity (ytd only) | 0.8270% | 4,359 |
| Net charge-offs to loans | 0.0961% | 1,173 |
| Credit loss provision to net charge-offs | 112.8205% | 1,475 |
| Earnings coverage of net charge-offs (x) | 10.5214% | 1,957 |
| Efficiency ratio | 75.8533% | 1,512 |
| Assets per employee ($millions) | 4.6266% | 3,007 |
| Cash dividends to net income (ytd only)* | 87.0550% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 4,180 |
| Loan loss allowance to noncurrent loans | 89.7137% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 1,677 |
| Noncurrent loans to loans | 0.9975% | 1,674 |
| Net loans and leases to total assets | 81.4036% | 656 |
| Net loans and leases to deposits | 97.0273% | 890 |
| Net loans and leases to core deposits | 105.5213% | 1,206 |
| Total domestic deposits to total assets | 83.8976% | 3,080 |
| Equity capital to assets | 9.7483% | 4,046 |
| Core capital (leverage) ratio | 8.3987% | 5,063 |
| Tier 1 risk-based capital ratio | 11.7562% | 4,587 |
| Total risk-based capital ratio | 12.8231% | 4,587 |
| Memoranda: | ||
| Average total assets | $593,524,000 | 1,240 |
| Average earning assets | $527,260,000 | 1,284 |
| Average equity | $58,039,500 | 1,402 |
| Average total loans | $487,035,000 | 1,104 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 3,405 |
| Cost of funding earning assets | 0.9008% | 1,094 |
| Net interest margin | 3.3110% | 4,222 |
| Noninterest income to average assets | 0.8158% | 1,406 |
| Noninterest expense to average assets | 2.7534% | 2,846 |
| Loan and lease loss provision to assets | 0.0648% | 2,856 |
| Net operating income to assets | 0.7483% | 3,975 |
| Return on assets (ROA) | 0.7483% | 3,977 |
| Pretax return on assets | 0.9227% | 3,838 |
| Return on Equity (ROE) | 7.4090% | 3,688 |
| Retained earnings to average equity (ytd only) | 1.8439% | 4,411 |
| Net charge-offs to loans | 0.0941% | 1,820 |
| Credit loss provision to net charge-offs | 83.9817% | 2,803 |
| Earnings coverage of net charge-offs (x) | 12.8009% | 2,505 |
| Efficiency ratio | 73.6020% | 1,684 |
| Assets per employee ($millions) | 4.5753% | 3,053 |
| Cash dividends to net income (ytd only)* | 75.1121% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 4,141 |
| Loan loss allowance to noncurrent loans | 97.1556% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.7846% | 1,782 |
| Noncurrent loans to loans | 0.9301% | 1,728 |
| Net loans and leases to total assets | 81.2361% | 777 |
| Net loans and leases to deposits | 97.2980% | 952 |
| Net loans and leases to core deposits | 104.6131% | 1,368 |
| Total domestic deposits to total assets | 83.4920% | 3,161 |
| Equity capital to assets | 9.8096% | 3,853 |
| Core capital (leverage) ratio | 8.5542% | 4,990 |
| Tier 1 risk-based capital ratio | 11.8927% | 4,502 |
| Total risk-based capital ratio | 12.9735% | 4,487 |
| Memoranda: | ||
| Average total assets | $566,470,000 | 1,255 |
| Average earning assets | $500,451,200 | 1,312 |
| Average equity | $57,214,400 | 1,381 |
| Average total loans | $464,262,400 | 1,124 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2014% | 3,321 |
| Cost of funding earning assets | 0.8715% | 1,032 |
| Net interest margin | 3.3299% | 4,202 |
| Noninterest income to average assets | 0.8344% | 1,367 |
| Noninterest expense to average assets | 2.7509% | 2,809 |
| Loan and lease loss provision to assets | 0.0516% | 2,954 |
| Net operating income to assets | 0.7859% | 3,953 |
| Return on assets (ROA) | 0.7859% | 3,965 |
| Pretax return on assets | 0.9683% | 3,827 |
| Return on Equity (ROE) | 7.7226% | 3,656 |
| Retained earnings to average equity (ytd only) | 2.1644% | 4,516 |
| Net charge-offs to loans | 0.0691% | 1,846 |
| Credit loss provision to net charge-offs | 91.1765% | 2,409 |
| Earnings coverage of net charge-offs (x) | 18.0165% | 2,077 |
| Efficiency ratio | 72.9515% | 1,739 |
| Assets per employee ($millions) | 4.4609% | 3,182 |
| Cash dividends to net income (ytd only)* | 71.9735% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 4,077 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 1,885 |
| Noncurrent loans to loans | 0.9413% | 1,803 |
| Net loans and leases to total assets | 81.4828% | 799 |
| Net loans and leases to deposits | 98.2836% | 930 |
| Net loans and leases to core deposits | 105.3745% | 1,350 |
| Total domestic deposits to total assets | 82.9057% | 3,339 |
| Equity capital to assets | 10.0634% | 3,574 |
| Core capital (leverage) ratio | 8.5934% | 5,035 |
| Tier 1 risk-based capital ratio | 12.2288% | 4,358 |
| Total risk-based capital ratio | 13.3600% | 4,333 |
| Memoranda: | ||
| Average total assets | $560,533,250 | 1,268 |
| Average earning assets | $494,301,750 | 1,326 |
| Average equity | $57,043,500 | 1,381 |
| Average total loans | $459,367,750 | 1,131 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 3,102 |
| Cost of funding earning assets | 0.8396% | 967 |
| Net interest margin | 3.3628% | 4,068 |
| Noninterest income to average assets | 0.8373% | 1,360 |
| Noninterest expense to average assets | 2.7473% | 2,851 |
| Loan and lease loss provision to assets | 0.0241% | 3,439 |
| Net operating income to assets | 0.8236% | 3,777 |
| Return on assets (ROA) | 0.8236% | 3,781 |
| Pretax return on assets | 1.0297% | 3,569 |
| Return on Equity (ROE) | 8.0627% | 3,471 |
| Retained earnings to average equity (ytd only) | 2.5341% | 4,245 |
| Net charge-offs to loans | 0.0645% | 1,702 |
| Credit loss provision to net charge-offs | 45.5782% | 2,518 |
| Earnings coverage of net charge-offs (x) | 19.9660% | 1,834 |
| Efficiency ratio | 72.2773% | 1,955 |
| Assets per employee ($millions) | 4.3649% | 3,333 |
| Cash dividends to net income (ytd only)* | 68.5702% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 4,065 |
| Loan loss allowance to noncurrent loans | 99.1814% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 1,858 |
| Noncurrent loans to loans | 0.9678% | 1,796 |
| Net loans and leases to total assets | 79.9352% | 1,033 |
| Net loans and leases to deposits | 95.9015% | 1,154 |
| Net loans and leases to core deposits | 102.9107% | 1,497 |
| Total domestic deposits to total assets | 83.3513% | 3,307 |
| Equity capital to assets | 10.1672% | 3,467 |
| Core capital (leverage) ratio | 8.6465% | 4,999 |
| Tier 1 risk-based capital ratio | 12.5753% | 4,137 |
| Total risk-based capital ratio | 13.7306% | 4,090 |
| Memoranda: | ||
| Average total assets | $557,047,000 | 1,276 |
| Average earning assets | $490,965,000 | 1,338 |
| Average equity | $56,904,330 | 1,380 |
| Average total loans | $455,930,000 | 1,135 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 2,767 |
| Cost of funding earning assets | 0.8136% | 901 |
| Net interest margin | 3.4209% | 3,816 |
| Noninterest income to average assets | 0.8433% | 1,322 |
| Noninterest expense to average assets | 2.8056% | 2,665 |
| Loan and lease loss provision to assets | 0.0303% | 3,106 |
| Net operating income to assets | 0.8166% | 3,639 |
| Return on assets (ROA) | 0.8166% | 3,650 |
| Pretax return on assets | 1.0216% | 3,460 |
| Return on Equity (ROE) | 7.9743% | 3,386 |
| Retained earnings to average equity (ytd only) | 2.5805% | 4,143 |
| Net charge-offs to loans | 0.0447% | 1,671 |
| Credit loss provision to net charge-offs | 82.3529% | 1,727 |
| Earnings coverage of net charge-offs (x) | 28.5686% | 1,270 |
| Efficiency ratio | 72.7307% | 2,086 |
| Assets per employee ($millions) | 4.2898% | 3,505 |
| Cash dividends to net income (ytd only)* | 67.6393% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 4,068 |
| Loan loss allowance to noncurrent loans | 142.5860% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 2,611 |
| Noncurrent loans to loans | 0.6869% | 2,491 |
| Net loans and leases to total assets | 80.9834% | 792 |
| Net loans and leases to deposits | 98.0961% | 848 |
| Net loans and leases to core deposits | 105.6980% | 1,261 |
| Total domestic deposits to total assets | 82.5551% | 3,798 |
| Equity capital to assets | 10.2704% | 3,313 |
| Core capital (leverage) ratio | 8.6512% | 5,018 |
| Tier 1 risk-based capital ratio | 12.5228% | 4,225 |
| Total risk-based capital ratio | 13.7043% | 4,173 |
| Memoranda: | ||
| Average total assets | $554,037,500 | 1,291 |
| Average earning assets | $488,180,000 | 1,354 |
| Average equity | $56,732,500 | 1,396 |
| Average total loans | $456,670,000 | 1,142 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1035% | 3,043 |
| Cost of funding earning assets | 0.7985% | 630 |
| Net interest margin | 3.3050% | 4,147 |
| Noninterest income to average assets | 0.9688% | 1,094 |
| Noninterest expense to average assets | 2.8180% | 2,712 |
| Loan and lease loss provision to assets | 0.1584% | 1,420 |
| Net operating income to assets | 0.8596% | 2,915 |
| Return on assets (ROA) | 0.8587% | 2,938 |
| Pretax return on assets | 0.9206% | 3,841 |
| Return on Equity (ROE) | 8.1088% | 2,749 |
| Retained earnings to average equity (ytd only) | 1.8153% | 4,230 |
| Net charge-offs to loans | 0.1571% | 1,551 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 8.5209% | 2,903 |
| Efficiency ratio | 72.2038% | 2,190 |
| Assets per employee ($millions) | 4.3676% | 3,378 |
| Cash dividends to net income (ytd only)* | 77.6129% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 4,143 |
| Loan loss allowance to noncurrent loans | 153.9688% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 2,803 |
| Noncurrent loans to loans | 0.6261% | 2,655 |
| Net loans and leases to total assets | 82.2649% | 645 |
| Net loans and leases to deposits | 99.7055% | 750 |
| Net loans and leases to core deposits | 107.6710% | 1,161 |
| Total domestic deposits to total assets | 82.5079% | 3,728 |
| Equity capital to assets | 10.2094% | 3,482 |
| Core capital (leverage) ratio | 8.4898% | 5,144 |
| Tier 1 risk-based capital ratio | 12.2460% | 4,367 |
| Total risk-based capital ratio | 13.4158% | 4,314 |
| Memoranda: | ||
| Average total assets | $564,936,000 | 1,256 |
| Average earning assets | $500,688,800 | 1,297 |
| Average equity | $59,823,600 | 1,314 |
| Average total loans | $455,768,000 | 1,113 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0797% | 3,054 |
| Cost of funding earning assets | 0.7957% | 593 |
| Net interest margin | 3.2840% | 4,221 |
| Noninterest income to average assets | 1.0020% | 1,017 |
| Noninterest expense to average assets | 2.6772% | 3,135 |
| Loan and lease loss provision to assets | 0.0740% | 2,591 |
| Net operating income to assets | 0.7993% | 3,524 |
| Return on assets (ROA) | 0.7993% | 3,573 |
| Pretax return on assets | 1.1656% | 3,040 |
| Return on Equity (ROE) | 7.4823% | 3,398 |
| Retained earnings to average equity (ytd only) | 1.2514% | 4,902 |
| Net charge-offs to loans | 0.0551% | 2,345 |
| Credit loss provision to net charge-offs | 167.5532% | 1,548 |
| Earnings coverage of net charge-offs (x) | 28.0639% | 1,619 |
| Efficiency ratio | 68.2563% | 2,829 |
| Assets per employee ($millions) | 4.5581% | 3,035 |
| Cash dividends to net income (ytd only)* | 83.2745% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 4,208 |
| Loan loss allowance to noncurrent loans | 116.1069% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 2,454 |
| Noncurrent loans to loans | 0.8402% | 2,259 |
| Net loans and leases to total assets | 78.8413% | 1,143 |
| Net loans and leases to deposits | 97.5429% | 963 |
| Net loans and leases to core deposits | 105.3259% | 1,315 |
| Total domestic deposits to total assets | 80.8273% | 4,095 |
| Equity capital to assets | 11.5956% | 2,282 |
| Core capital (leverage) ratio | 9.9925% | 3,572 |
| Tier 1 risk-based capital ratio | 15.6026% | 2,668 |
| Total risk-based capital ratio | 16.8207% | 2,623 |
| Memoranda: | ||
| Average total assets | $567,498,500 | 1,264 |
| Average earning assets | $503,688,000 | 1,299 |
| Average equity | $60,622,000 | 1,310 |
| Average total loans | $454,521,500 | 1,119 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 2,850 |
| Cost of funding earning assets | 0.7846% | 566 |
| Net interest margin | 3.3089% | 4,075 |
| Noninterest income to average assets | 0.9302% | 1,184 |
| Noninterest expense to average assets | 2.6885% | 3,126 |
| Loan and lease loss provision to assets | 0.0686% | 2,595 |
| Net operating income to assets | 0.7697% | 3,549 |
| Return on assets (ROA) | 0.7697% | 3,598 |
| Pretax return on assets | 1.1150% | 3,115 |
| Return on Equity (ROE) | 7.4157% | 3,332 |
| Retained earnings to average equity (ytd only) | 1.1597% | 4,775 |
| Net charge-offs to loans | 0.0702% | 1,935 |
| Credit loss provision to net charge-offs | 121.8750% | 1,763 |
| Earnings coverage of net charge-offs (x) | 21.0188% | 1,766 |
| Efficiency ratio | 69.3328% | 2,797 |
| Assets per employee ($millions) | 4.4879% | 3,125 |
| Cash dividends to net income (ytd only)* | 84.3621% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 4,461 |
| Loan loss allowance to noncurrent loans | 125.0873% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 2,699 |
| Noncurrent loans to loans | 0.7525% | 2,510 |
| Net loans and leases to total assets | 78.7385% | 1,130 |
| Net loans and leases to deposits | 97.8467% | 907 |
| Net loans and leases to core deposits | 105.8798% | 1,241 |
| Total domestic deposits to total assets | 80.4713% | 4,309 |
| Equity capital to assets | 11.3549% | 2,455 |
| Core capital (leverage) ratio | 10.0709% | 3,442 |
| Tier 1 risk-based capital ratio | 15.8425% | 2,568 |
| Total risk-based capital ratio | 17.0624% | 2,517 |
| Memoranda: | ||
| Average total assets | $568,263,330 | 1,270 |
| Average earning assets | $505,245,670 | 1,305 |
| Average equity | $58,983,000 | 1,334 |
| Average total loans | $456,027,330 | 1,116 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 2,624 |
| Cost of funding earning assets | 0.7910% | 517 |
| Net interest margin | 3.3175% | 3,949 |
| Noninterest income to average assets | 0.9066% | 1,216 |
| Noninterest expense to average assets | 2.7234% | 3,057 |
| Loan and lease loss provision to assets | 0.0283% | 3,202 |
| Net operating income to assets | 0.7637% | 3,411 |
| Return on assets (ROA) | 0.7637% | 3,461 |
| Pretax return on assets | 1.1083% | 2,947 |
| Return on Equity (ROE) | 7.7264% | 3,053 |
| Retained earnings to average equity (ytd only) | 1.5754% | 4,471 |
| Net charge-offs to loans | 0.0140% | 2,521 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 100.3750% | 532 |
| Efficiency ratio | 70.4620% | 2,826 |
| Assets per employee ($millions) | 4.4901% | 3,176 |
| Cash dividends to net income (ytd only)* | 79.6108% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 4,560 |
| Loan loss allowance to noncurrent loans | 105.9303% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 2,418 |
| Noncurrent loans to loans | 0.8957% | 2,235 |
| Net loans and leases to total assets | 80.3804% | 787 |
| Net loans and leases to deposits | 98.8702% | 698 |
| Net loans and leases to core deposits | 106.5339% | 1,064 |
| Total domestic deposits to total assets | 81.2989% | 4,347 |
| Equity capital to assets | 10.0674% | 3,669 |
| Core capital (leverage) ratio | 8.4054% | 5,300 |
| Tier 1 risk-based capital ratio | 13.0949% | 4,027 |
| Total risk-based capital ratio | 14.2983% | 3,954 |
| Memoranda: | ||
| Average total assets | $565,171,500 | 1,275 |
| Average earning assets | $503,143,500 | 1,309 |
| Average equity | $55,860,500 | 1,410 |
| Average total loans | $455,736,500 | 1,114 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 2,800 |
| Cost of funding earning assets | 0.8602% | 366 |
| Net interest margin | 3.2526% | 4,286 |
| Noninterest income to average assets | 1.0128% | 1,110 |
| Noninterest expense to average assets | 2.7539% | 3,178 |
| Loan and lease loss provision to assets | 0.0858% | 2,646 |
| Net operating income to assets | 0.7431% | 3,570 |
| Return on assets (ROA) | 0.7642% | 3,580 |
| Pretax return on assets | 1.1146% | 3,046 |
| Return on Equity (ROE) | 7.8443% | 3,032 |
| Retained earnings to average equity (ytd only) | 1.6622% | 4,585 |
| Net charge-offs to loans | 0.0805% | 2,538 |
| Credit loss provision to net charge-offs | 130.9140% | 2,053 |
| Earnings coverage of net charge-offs (x) | 17.8441% | 2,012 |
| Efficiency ratio | 70.0018% | 2,900 |
| Assets per employee ($millions) | 4.5886% | 2,984 |
| Cash dividends to net income (ytd only)* | 78.8102% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 4,664 |
| Loan loss allowance to noncurrent loans | 84.8021% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 2,084 |
| Noncurrent loans to loans | 1.0937% | 1,908 |
| Net loans and leases to total assets | 79.3951% | 980 |
| Net loans and leases to deposits | 96.8383% | 923 |
| Net loans and leases to core deposits | 109.5944% | 925 |
| Total domestic deposits to total assets | 81.9873% | 4,080 |
| Equity capital to assets | 9.7057% | 4,061 |
| Core capital (leverage) ratio | 8.2423% | 5,482 |
| Tier 1 risk-based capital ratio | 12.7813% | 4,214 |
| Total risk-based capital ratio | 13.9605% | 4,155 |
| Memoranda: | ||
| Average total assets | $567,558,600 | 1,229 |
| Average earning assets | $507,899,400 | 1,260 |
| Average equity | $55,288,600 | 1,389 |
| Average total loans | $462,122,600 | 1,054 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 2,758 |
| Cost of funding earning assets | 0.8755% | 329 |
| Net interest margin | 3.2558% | 4,331 |
| Noninterest income to average assets | 1.0258% | 1,090 |
| Noninterest expense to average assets | 2.7662% | 3,121 |
| Loan and lease loss provision to assets | 0.0735% | 2,748 |
| Net operating income to assets | 0.7473% | 3,617 |
| Return on assets (ROA) | 0.7761% | 3,622 |
| Pretax return on assets | 1.1410% | 3,082 |
| Return on Equity (ROE) | 7.9597% | 3,029 |
| Retained earnings to average equity (ytd only) | 1.7707% | 4,796 |
| Net charge-offs to loans | 0.0406% | 2,826 |
| Credit loss provision to net charge-offs | 221.2766% | 1,333 |
| Earnings coverage of net charge-offs (x) | 35.2899% | 1,338 |
| Efficiency ratio | 70.0478% | 2,877 |
| Assets per employee ($millions) | 4.4347% | 3,184 |
| Cash dividends to net income (ytd only)* | 77.7541% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 4,749 |
| Loan loss allowance to noncurrent loans | 85.0030% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9344% | 2,231 |
| Noncurrent loans to loans | 1.0945% | 2,068 |
| Net loans and leases to total assets | 81.0240% | 753 |
| Net loans and leases to deposits | 99.0820% | 767 |
| Net loans and leases to core deposits | 112.2245% | 798 |
| Total domestic deposits to total assets | 81.7747% | 4,015 |
| Equity capital to assets | 9.8196% | 4,338 |
| Core capital (leverage) ratio | 8.1537% | 5,608 |
| Tier 1 risk-based capital ratio | 12.5920% | 4,418 |
| Total risk-based capital ratio | 13.7793% | 4,358 |
| Memoranda: | ||
| Average total assets | $566,055,000 | 1,230 |
| Average earning assets | $506,369,500 | 1,268 |
| Average equity | $55,193,500 | 1,400 |
| Average total loans | $462,740,250 | 1,052 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 2,801 |
| Cost of funding earning assets | 0.8961% | 297 |
| Net interest margin | 3.2187% | 4,489 |
| Noninterest income to average assets | 0.9301% | 1,292 |
| Noninterest expense to average assets | 2.7443% | 3,222 |
| Loan and lease loss provision to assets | 0.0796% | 2,547 |
| Net operating income to assets | 0.6956% | 3,810 |
| Return on assets (ROA) | 0.7402% | 3,762 |
| Pretax return on assets | 1.0535% | 3,383 |
| Return on Equity (ROE) | 7.6093% | 3,198 |
| Retained earnings to average equity (ytd only) | 1.4070% | 4,815 |
| Net charge-offs to loans | 0.0381% | 2,698 |
| Credit loss provision to net charge-offs | 255.6818% | 1,077 |
| Earnings coverage of net charge-offs (x) | 34.3636% | 1,277 |
| Efficiency ratio | 71.7545% | 2,702 |
| Assets per employee ($millions) | 4.4913% | 3,046 |
| Cash dividends to net income (ytd only)* | 81.5098% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 4,933 |
| Loan loss allowance to noncurrent loans | 80.4242% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9656% | 2,218 |
| Noncurrent loans to loans | 1.1278% | 2,043 |
| Net loans and leases to total assets | 81.4320% | 688 |
| Net loans and leases to deposits | 99.0695% | 778 |
| Net loans and leases to core deposits | 105.9442% | 1,187 |
| Total domestic deposits to total assets | 82.1969% | 3,938 |
| Equity capital to assets | 9.6244% | 4,643 |
| Core capital (leverage) ratio | 8.1424% | 5,639 |
| Tier 1 risk-based capital ratio | 12.3144% | 4,639 |
| Total risk-based capital ratio | 13.4806% | 4,605 |
| Memoranda: | ||
| Average total assets | $565,527,000 | 1,242 |
| Average earning assets | $506,665,670 | 1,268 |
| Average equity | $55,011,330 | 1,408 |
| Average total loans | $462,239,330 | 1,047 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 2,614 |
| Cost of funding earning assets | 0.9009% | 291 |
| Net interest margin | 3.2602% | 4,359 |
| Noninterest income to average assets | 0.8466% | 1,456 |
| Noninterest expense to average assets | 2.7551% | 3,223 |
| Loan and lease loss provision to assets | 0.0998% | 2,024 |
| Net operating income to assets | 0.6477% | 3,985 |
| Return on assets (ROA) | 0.7389% | 3,651 |
| Pretax return on assets | 1.0441% | 3,302 |
| Return on Equity (ROE) | 7.5548% | 3,160 |
| Retained earnings to average equity (ytd only) | 1.3345% | 4,727 |
| Net charge-offs to loans | 0.0647% | 1,849 |
| Credit loss provision to net charge-offs | 189.1892% | 1,120 |
| Earnings coverage of net charge-offs (x) | 19.2432% | 1,514 |
| Efficiency ratio | 72.8580% | 2,668 |
| Assets per employee ($millions) | 4.3427% | 3,340 |
| Cash dividends to net income (ytd only)* | 82.3359% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 4,996 |
| Loan loss allowance to noncurrent loans | 83.6941% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 2,365 |
| Noncurrent loans to loans | 1.0966% | 2,204 |
| Net loans and leases to total assets | 81.2089% | 657 |
| Net loans and leases to deposits | 102.3372% | 491 |
| Net loans and leases to core deposits | 109.5776% | 871 |
| Total domestic deposits to total assets | 79.3543% | 4,886 |
| Equity capital to assets | 9.8152% | 4,322 |
| Core capital (leverage) ratio | 8.1299% | 5,703 |
| Tier 1 risk-based capital ratio | 12.4467% | 4,622 |
| Total risk-based capital ratio | 13.6152% | 4,577 |
| Memoranda: | ||
| Average total assets | $560,849,000 | 1,252 |
| Average earning assets | $503,039,000 | 1,280 |
| Average equity | $54,852,500 | 1,410 |
| Average total loans | $457,147,000 | 1,059 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 2,871 |
| Cost of funding earning assets | 1.0113% | 167 |
| Net interest margin | 3.1002% | 4,899 |
| Noninterest income to average assets | 0.9109% | 1,407 |
| Noninterest expense to average assets | 2.5993% | 3,924 |
| Loan and lease loss provision to assets | 0.1121% | 2,124 |
| Net operating income to assets | 0.6987% | 3,816 |
| Return on assets (ROA) | 0.7337% | 3,748 |
| Pretax return on assets | 1.0318% | 3,340 |
| Return on Equity (ROE) | 7.5026% | 3,249 |
| Retained earnings to average equity (ytd only) | 1.3087% | 4,976 |
| Net charge-offs to loans | 0.1045% | 2,359 |
| Credit loss provision to net charge-offs | 138.1579% | 1,895 |
| Earnings coverage of net charge-offs (x) | 13.4825% | 2,367 |
| Efficiency ratio | 70.0704% | 3,212 |
| Assets per employee ($millions) | 4.4211% | 3,169 |
| Cash dividends to net income (ytd only)* | 82.5570% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 5,047 |
| Loan loss allowance to noncurrent loans | 87.6585% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 2,497 |
| Noncurrent loans to loans | 1.0397% | 2,256 |
| Net loans and leases to total assets | 80.3208% | 797 |
| Net loans and leases to deposits | 102.0686% | 539 |
| Net loans and leases to core deposits | 114.2641% | 670 |
| Total domestic deposits to total assets | 78.6929% | 5,034 |
| Equity capital to assets | 9.7454% | 4,242 |
| Core capital (leverage) ratio | 8.0507% | 5,806 |
| Tier 1 risk-based capital ratio | 12.3921% | 4,706 |
| Total risk-based capital ratio | 13.5462% | 4,658 |
| Memoranda: | ||
| Average total assets | $561,842,800 | 1,216 |
| Average earning assets | $504,282,000 | 1,239 |
| Average equity | $54,941,200 | 1,360 |
| Average total loans | $436,539,600 | 1,052 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 3,034 |
| Cost of funding earning assets | 1.0369% | 147 |
| Net interest margin | 3.0418% | 5,096 |
| Noninterest income to average assets | 0.8841% | 1,498 |
| Noninterest expense to average assets | 2.5666% | 3,990 |
| Loan and lease loss provision to assets | 0.0854% | 2,458 |
| Net operating income to assets | 0.6844% | 3,969 |
| Return on assets (ROA) | 0.7322% | 3,865 |
| Pretax return on assets | 1.0295% | 3,506 |
| Return on Equity (ROE) | 7.4815% | 3,350 |
| Retained earnings to average equity (ytd only) | 1.2946% | 5,199 |
| Net charge-offs to loans | 0.0778% | 2,439 |
| Credit loss provision to net charge-offs | 142.8571% | 1,745 |
| Earnings coverage of net charge-offs (x) | 17.5199% | 2,052 |
| Efficiency ratio | 70.6933% | 3,097 |
| Assets per employee ($millions) | 4.4595% | 3,083 |
| Cash dividends to net income (ytd only)* | 82.6961% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 5,146 |
| Loan loss allowance to noncurrent loans | 91.1975% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 2,893 |
| Noncurrent loans to loans | 1.0028% | 2,477 |
| Net loans and leases to total assets | 78.0869% | 1,084 |
| Net loans and leases to deposits | 99.6968% | 679 |
| Net loans and leases to core deposits | 111.7641% | 778 |
| Total domestic deposits to total assets | 78.3244% | 5,124 |
| Equity capital to assets | 9.6412% | 4,586 |
| Core capital (leverage) ratio | 7.8224% | 5,972 |
| Tier 1 risk-based capital ratio | 12.5849% | 4,693 |
| Total risk-based capital ratio | 13.7467% | 4,660 |
| Memoranda: | ||
| Average total assets | $561,932,250 | 1,222 |
| Average earning assets | $504,330,000 | 1,247 |
| Average equity | $54,996,750 | 1,367 |
| Average total loans | $431,890,250 | 1,064 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 3,011 |
| Cost of funding earning assets | 1.0237% | 155 |
| Net interest margin | 3.0453% | 5,105 |
| Noninterest income to average assets | 0.7819% | 1,859 |
| Noninterest expense to average assets | 2.5322% | 4,132 |
| Loan and lease loss provision to assets | 0.0678% | 2,765 |
| Net operating income to assets | 0.6521% | 4,114 |
| Return on assets (ROA) | 0.7241% | 3,891 |
| Pretax return on assets | 1.0145% | 3,526 |
| Return on Equity (ROE) | 7.3611% | 3,399 |
| Retained earnings to average equity (ytd only) | 1.1936% | 5,085 |
| Net charge-offs to loans | 0.0637% | 2,472 |
| Credit loss provision to net charge-offs | 139.7059% | 1,606 |
| Earnings coverage of net charge-offs (x) | 20.2132% | 1,714 |
| Efficiency ratio | 71.7420% | 3,036 |
| Assets per employee ($millions) | 4.6968% | 2,685 |
| Cash dividends to net income (ytd only)* | 83.7851% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 5,240 |
| Loan loss allowance to noncurrent loans | 91.7540% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 3,072 |
| Noncurrent loans to loans | 0.9973% | 2,648 |
| Net loans and leases to total assets | 76.1201% | 1,347 |
| Net loans and leases to deposits | 98.9964% | 721 |
| Net loans and leases to core deposits | 110.4171% | 816 |
| Total domestic deposits to total assets | 76.8918% | 5,473 |
| Equity capital to assets | 9.4554% | 4,704 |
| Core capital (leverage) ratio | 7.9095% | 5,972 |
| Tier 1 risk-based capital ratio | 12.4688% | 4,830 |
| Total risk-based capital ratio | 13.6138% | 4,801 |
| Memoranda: | ||
| Average total assets | $560,456,000 | 1,229 |
| Average earning assets | $502,680,330 | 1,256 |
| Average equity | $55,127,670 | 1,371 |
| Average total loans | $427,075,000 | 1,077 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 2,819 |
| Cost of funding earning assets | 1.0229% | 160 |
| Net interest margin | 3.0800% | 5,005 |
| Noninterest income to average assets | 0.7485% | 1,925 |
| Noninterest expense to average assets | 2.5797% | 4,000 |
| Loan and lease loss provision to assets | 0.0361% | 3,176 |
| Net operating income to assets | 0.6259% | 4,167 |
| Return on assets (ROA) | 0.7290% | 3,785 |
| Pretax return on assets | 1.0401% | 3,342 |
| Return on Equity (ROE) | 7.2660% | 3,356 |
| Retained earnings to average equity (ytd only) | 1.1510% | 5,023 |
| Net charge-offs to loans | 0.0209% | 2,725 |
| Credit loss provision to net charge-offs | 227.2727% | 966 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 755 |
| Efficiency ratio | 73.1948% | 2,956 |
| Assets per employee ($millions) | 4.7254% | 2,728 |
| Cash dividends to net income (ytd only)* | 84.1584% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 5,263 |
| Loan loss allowance to noncurrent loans | 83.4968% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 2,945 |
| Noncurrent loans to loans | 1.1336% | 2,503 |
| Net loans and leases to total assets | 74.4782% | 1,427 |
| Net loans and leases to deposits | 97.7653% | 700 |
| Net loans and leases to core deposits | 109.4275% | 775 |
| Total domestic deposits to total assets | 76.1806% | 5,721 |
| Equity capital to assets | 9.9166% | 4,239 |
| Core capital (leverage) ratio | 8.2527% | 5,773 |
| Tier 1 risk-based capital ratio | 13.3197% | 4,419 |
| Total risk-based capital ratio | 14.5052% | 4,377 |
| Memoranda: | ||
| Average total assets | $554,180,000 | 1,244 |
| Average earning assets | $496,626,500 | 1,276 |
| Average equity | $55,601,500 | 1,372 |
| Average total loans | $420,511,500 | 1,093 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 2,529 |
| Cost of funding earning assets | 1.0348% | 191 |
| Net interest margin | 3.2848% | 4,637 |
| Noninterest income to average assets | 0.8326% | 1,739 |
| Noninterest expense to average assets | 2.7689% | 3,597 |
| Loan and lease loss provision to assets | 0.0775% | 2,926 |
| Net operating income to assets | 0.6427% | 4,180 |
| Return on assets (ROA) | 0.6980% | 4,019 |
| Pretax return on assets | 1.0008% | 3,494 |
| Return on Equity (ROE) | 6.6807% | 3,801 |
| Retained earnings to average equity (ytd only) | 0.5177% | 5,538 |
| Net charge-offs to loans | 0.0664% | 3,533 |
| Credit loss provision to net charge-offs | 152.4345% | 1,589 |
| Earnings coverage of net charge-offs (x) | 19.6442% | 1,769 |
| Efficiency ratio | 73.0590% | 3,018 |
| Assets per employee ($millions) | 4.5503% | 2,954 |
| Cash dividends to net income (ytd only)* | 92.2510% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 5,292 |
| Loan loss allowance to noncurrent loans | 84.5712% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 3,056 |
| Noncurrent loans to loans | 1.1236% | 2,590 |
| Net loans and leases to total assets | 75.8628% | 1,289 |
| Net loans and leases to deposits | 97.8728% | 771 |
| Net loans and leases to core deposits | 109.2784% | 812 |
| Total domestic deposits to total assets | 77.5116% | 5,521 |
| Equity capital to assets | 10.1531% | 3,918 |
| Core capital (leverage) ratio | 8.3795% | 5,691 |
| Tier 1 risk-based capital ratio | 13.1371% | 4,633 |
| Total risk-based capital ratio | 14.3132% | 4,603 |
| Memoranda: | ||
| Average total assets | $525,090,400 | 1,281 |
| Average earning assets | $469,193,000 | 1,305 |
| Average equity | $54,859,600 | 1,331 |
| Average total loans | $402,205,200 | 1,095 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 2,591 |
| Cost of funding earning assets | 1.0381% | 205 |
| Net interest margin | 3.2709% | 4,717 |
| Noninterest income to average assets | 0.8500% | 1,697 |
| Noninterest expense to average assets | 2.8505% | 3,284 |
| Loan and lease loss provision to assets | 0.0685% | 2,970 |
| Net operating income to assets | 0.5998% | 4,449 |
| Return on assets (ROA) | 0.6756% | 4,163 |
| Pretax return on assets | 0.9613% | 3,753 |
| Return on Equity (ROE) | 6.4186% | 4,021 |
| Retained earnings to average equity (ytd only) | 0.2437% | 5,735 |
| Net charge-offs to loans | 0.0579% | 3,388 |
| Credit loss provision to net charge-offs | 154.3353% | 1,542 |
| Earnings coverage of net charge-offs (x) | 20.7689% | 1,708 |
| Efficiency ratio | 75.1275% | 2,643 |
| Assets per employee ($millions) | 4.5625% | 2,864 |
| Cash dividends to net income (ytd only)* | 96.2035% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 5,405 |
| Loan loss allowance to noncurrent loans | 88.6082% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 3,273 |
| Noncurrent loans to loans | 1.0782% | 2,918 |
| Net loans and leases to total assets | 76.2830% | 1,184 |
| Net loans and leases to deposits | 100.0713% | 610 |
| Net loans and leases to core deposits | 106.7333% | 915 |
| Total domestic deposits to total assets | 76.2287% | 5,783 |
| Equity capital to assets | 10.3096% | 3,777 |
| Core capital (leverage) ratio | 8.6105% | 5,542 |
| Tier 1 risk-based capital ratio | 13.1483% | 4,767 |
| Total risk-based capital ratio | 14.3227% | 4,746 |
| Memoranda: | ||
| Average total assets | $519,855,000 | 1,304 |
| Average earning assets | $464,405,250 | 1,329 |
| Average equity | $54,714,750 | 1,342 |
| Average total loans | $398,204,250 | 1,104 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 2,415 |
| Cost of funding earning assets | 1.0401% | 209 |
| Net interest margin | 3.3027% | 4,575 |
| Noninterest income to average assets | 0.8373% | 1,712 |
| Noninterest expense to average assets | 2.6875% | 3,916 |
| Loan and lease loss provision to assets | 0.0501% | 3,301 |
| Net operating income to assets | 0.7251% | 3,701 |
| Return on assets (ROA) | 0.8381% | 3,228 |
| Pretax return on assets | 1.2108% | 2,623 |
| Return on Equity (ROE) | 7.9072% | 3,151 |
| Retained earnings to average equity (ytd only) | 1.7287% | 5,041 |
| Net charge-offs to loans | 0.0914% | 2,771 |
| Credit loss provision to net charge-offs | 71.6667% | 2,442 |
| Earnings coverage of net charge-offs (x) | 15.7000% | 1,833 |
| Efficiency ratio | 70.5713% | 3,557 |
| Assets per employee ($millions) | 4.3455% | 3,182 |
| Cash dividends to net income (ytd only)* | 78.1380% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 5,552 |
| Loan loss allowance to noncurrent loans | 89.9002% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 3,488 |
| Noncurrent loans to loans | 1.0599% | 3,110 |
| Net loans and leases to total assets | 76.0474% | 1,154 |
| Net loans and leases to deposits | 98.2035% | 650 |
| Net loans and leases to core deposits | 104.5480% | 983 |
| Total domestic deposits to total assets | 77.4386% | 5,730 |
| Equity capital to assets | 10.6644% | 3,231 |
| Core capital (leverage) ratio | 8.8074% | 5,264 |
| Tier 1 risk-based capital ratio | 13.6112% | 4,517 |
| Total risk-based capital ratio | 14.7813% | 4,503 |
| Memoranda: | ||
| Average total assets | $515,202,670 | 1,310 |
| Average earning assets | $459,744,000 | 1,334 |
| Average equity | $54,608,330 | 1,331 |
| Average total loans | $393,893,670 | 1,109 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 2,086 |
| Cost of funding earning assets | 1.0390% | 228 |
| Net interest margin | 3.3758% | 4,238 |
| Noninterest income to average assets | 0.8346% | 1,621 |
| Noninterest expense to average assets | 2.7714% | 3,669 |
| Loan and lease loss provision to assets | 0.0420% | 3,248 |
| Net operating income to assets | 0.7086% | 3,644 |
| Return on assets (ROA) | 0.8245% | 3,108 |
| Pretax return on assets | 1.2018% | 2,478 |
| Return on Equity (ROE) | 7.8029% | 3,043 |
| Retained earnings to average equity (ytd only) | 1.6047% | 4,969 |
| Net charge-offs to loans | 0.0377% | 2,858 |
| Credit loss provision to net charge-offs | 145.9459% | 1,285 |
| Earnings coverage of net charge-offs (x) | 37.3784% | 918 |
| Efficiency ratio | 71.5932% | 3,559 |
| Assets per employee ($millions) | 4.3568% | 3,236 |
| Cash dividends to net income (ytd only)* | 79.4340% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 5,602 |
| Loan loss allowance to noncurrent loans | 119.2260% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 4,161 |
| Noncurrent loans to loans | 0.8206% | 3,831 |
| Net loans and leases to total assets | 75.8122% | 1,022 |
| Net loans and leases to deposits | 98.4889% | 514 |
| Net loans and leases to core deposits | 104.9297% | 801 |
| Total domestic deposits to total assets | 76.9754% | 5,968 |
| Equity capital to assets | 10.6414% | 3,097 |
| Core capital (leverage) ratio | 8.7041% | 5,375 |
| Tier 1 risk-based capital ratio | 13.4975% | 4,677 |
| Total risk-based capital ratio | 14.6915% | 4,666 |
| Memoranda: | ||
| Average total assets | $514,247,500 | 1,316 |
| Average earning assets | $458,919,000 | 1,344 |
| Average equity | $54,339,000 | 1,335 |
| Average total loans | $392,323,500 | 1,124 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 2,376 |
| Cost of funding earning assets | 1.1438% | 229 |
| Net interest margin | 3.3110% | 4,622 |
| Noninterest income to average assets | 1.0620% | 1,247 |
| Noninterest expense to average assets | 2.6719% | 4,208 |
| Loan and lease loss provision to assets | 0.0606% | 3,928 |
| Net operating income to assets | 0.9642% | 2,496 |
| Return on assets (ROA) | 0.9725% | 2,521 |
| Pretax return on assets | 1.2369% | 2,431 |
| Return on Equity (ROE) | 8.6727% | 2,713 |
| Retained earnings to average equity (ytd only) | 2.7748% | 4,267 |
| Net charge-offs to loans | 0.0574% | 4,425 |
| Credit loss provision to net charge-offs | 142.5339% | 1,638 |
| Earnings coverage of net charge-offs (x) | 30.2579% | 1,182 |
| Efficiency ratio | 66.9745% | 4,374 |
| Assets per employee ($millions) | 4.2163% | 3,416 |
| Cash dividends to net income (ytd only)* | 68.0055% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 5,658 |
| Loan loss allowance to noncurrent loans | 109.6996% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6985% | 4,159 |
| Noncurrent loans to loans | 0.8938% | 3,754 |
| Net loans and leases to total assets | 75.2751% | 1,190 |
| Net loans and leases to deposits | 97.0823% | 658 |
| Net loans and leases to core deposits | 103.7038% | 928 |
| Total domestic deposits to total assets | 77.5374% | 5,895 |
| Equity capital to assets | 10.4921% | 3,170 |
| Core capital (leverage) ratio | 8.3898% | 5,792 |
| Tier 1 risk-based capital ratio | 13.3063% | 4,782 |
| Total risk-based capital ratio | 14.5003% | 4,763 |
| Memoranda: | ||
| Average total assets | $519,676,200 | 1,276 |
| Average earning assets | $454,630,200 | 1,337 |
| Average equity | $58,274,600 | 1,242 |
| Average total loans | $385,172,800 | 1,107 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 2,357 |
| Cost of funding earning assets | 1.1486% | 243 |
| Net interest margin | 3.3182% | 4,577 |
| Noninterest income to average assets | 1.1107% | 1,189 |
| Noninterest expense to average assets | 2.6390% | 4,244 |
| Loan and lease loss provision to assets | 0.0806% | 3,450 |
| Net operating income to assets | 0.9948% | 2,395 |
| Return on assets (ROA) | 1.0070% | 2,435 |
| Pretax return on assets | 1.2936% | 2,356 |
| Return on Equity (ROE) | 8.8399% | 2,720 |
| Retained earnings to average equity (ytd only) | 3.0080% | 4,521 |
| Net charge-offs to loans | 0.0820% | 3,779 |
| Credit loss provision to net charge-offs | 133.4746% | 1,764 |
| Earnings coverage of net charge-offs (x) | 22.4957% | 1,492 |
| Efficiency ratio | 65.4952% | 4,578 |
| Assets per employee ($millions) | 4.2959% | 3,235 |
| Cash dividends to net income (ytd only)* | 65.9721% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 5,790 |
| Loan loss allowance to noncurrent loans | 112.9882% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 4,487 |
| Noncurrent loans to loans | 0.8715% | 4,077 |
| Net loans and leases to total assets | 73.8813% | 1,304 |
| Net loans and leases to deposits | 96.4881% | 657 |
| Net loans and leases to core deposits | 102.9725% | 935 |
| Total domestic deposits to total assets | 76.5703% | 6,103 |
| Equity capital to assets | 11.0106% | 2,748 |
| Core capital (leverage) ratio | 9.0034% | 5,126 |
| Tier 1 risk-based capital ratio | 14.3144% | 4,204 |
| Total risk-based capital ratio | 15.5126% | 4,189 |
| Memoranda: | ||
| Average total assets | $520,998,250 | 1,284 |
| Average earning assets | $453,288,250 | 1,350 |
| Average equity | $59,350,750 | 1,223 |
| Average total loans | $383,706,000 | 1,117 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4981% | 2,208 |
| Cost of funding earning assets | 1.1567% | 249 |
| Net interest margin | 3.3414% | 4,414 |
| Noninterest income to average assets | 1.0997% | 1,254 |
| Noninterest expense to average assets | 2.6410% | 4,248 |
| Loan and lease loss provision to assets | 0.1017% | 3,099 |
| Net operating income to assets | 0.9660% | 2,485 |
| Return on assets (ROA) | 0.9843% | 2,540 |
| Pretax return on assets | 1.2616% | 2,439 |
| Return on Equity (ROE) | 8.5453% | 2,824 |
| Retained earnings to average equity (ytd only) | 2.6409% | 4,627 |
| Net charge-offs to loans | 0.1025% | 3,335 |
| Credit loss provision to net charge-offs | 135.2041% | 1,672 |
| Earnings coverage of net charge-offs (x) | 17.8214% | 1,585 |
| Efficiency ratio | 65.8219% | 4,582 |
| Assets per employee ($millions) | 4.2311% | 3,291 |
| Cash dividends to net income (ytd only)* | 69.0959% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 5,894 |
| Loan loss allowance to noncurrent loans | 106.5455% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 4,488 |
| Noncurrent loans to loans | 0.9200% | 4,085 |
| Net loans and leases to total assets | 74.5445% | 1,168 |
| Net loans and leases to deposits | 96.4280% | 639 |
| Net loans and leases to core deposits | 102.7084% | 902 |
| Total domestic deposits to total assets | 77.3058% | 6,086 |
| Equity capital to assets | 10.9822% | 2,773 |
| Core capital (leverage) ratio | 8.9518% | 5,073 |
| Tier 1 risk-based capital ratio | 14.1465% | 4,325 |
| Total risk-based capital ratio | 15.3481% | 4,318 |
| Memoranda: | ||
| Average total assets | $521,395,330 | 1,284 |
| Average earning assets | $449,565,670 | 1,357 |
| Average equity | $60,056,330 | 1,214 |
| Average total loans | $382,321,670 | 1,117 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5545% | 1,972 |
| Cost of funding earning assets | 1.1652% | 265 |
| Net interest margin | 3.3893% | 4,158 |
| Noninterest income to average assets | 1.0970% | 1,227 |
| Noninterest expense to average assets | 2.5871% | 4,442 |
| Loan and lease loss provision to assets | 0.1374% | 2,524 |
| Net operating income to assets | 0.8778% | 2,765 |
| Return on assets (ROA) | 0.9099% | 2,752 |
| Pretax return on assets | 1.3191% | 2,164 |
| Return on Equity (ROE) | 7.7228% | 3,105 |
| Retained earnings to average equity (ytd only) | 1.5549% | 5,208 |
| Net charge-offs to loans | 0.2068% | 2,183 |
| Credit loss provision to net charge-offs | 91.8367% | 1,991 |
| Earnings coverage of net charge-offs (x) | 9.4235% | 1,838 |
| Efficiency ratio | 64.2093% | 4,979 |
| Assets per employee ($millions) | 4.1208% | 3,694 |
| Cash dividends to net income (ytd only)* | 79.8658% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,028 |
| Loan loss allowance to noncurrent loans | 100.9488% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.7488% | 4,499 |
| Noncurrent loans to loans | 0.9785% | 4,174 |
| Net loans and leases to total assets | 73.0538% | 1,197 |
| Net loans and leases to deposits | 94.3152% | 649 |
| Net loans and leases to core deposits | 100.6579% | 912 |
| Total domestic deposits to total assets | 77.4570% | 6,197 |
| Equity capital to assets | 11.0808% | 2,867 |
| Core capital (leverage) ratio | 8.5129% | 5,573 |
| Tier 1 risk-based capital ratio | 14.1113% | 4,421 |
| Total risk-based capital ratio | 15.3040% | 4,427 |
| Memoranda: | ||
| Average total assets | $523,994,000 | 1,292 |
| Average earning assets | $448,347,500 | 1,374 |
| Average equity | $61,739,500 | 1,193 |
| Average total loans | $379,179,500 | 1,125 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7385% | 2,433 |
| Cost of funding earning assets | 1.3313% | 327 |
| Net interest margin | 3.4072% | 4,859 |
| Noninterest income to average assets | 1.1108% | 1,253 |
| Noninterest expense to average assets | 2.4281% | 5,329 |
| Loan and lease loss provision to assets | 0.0875% | 4,603 |
| Net operating income to assets | 0.9769% | 2,439 |
| Return on assets (ROA) | 0.9854% | 2,627 |
| Pretax return on assets | 1.4607% | 1,814 |
| Return on Equity (ROE) | 7.9376% | 3,112 |
| Retained earnings to average equity (ytd only) | 2.4926% | 4,474 |
| Net charge-offs to loans | 0.0060% | 5,881 |
| Credit loss provision to net charge-offs | 2,104.5455% | 112 |
| Earnings coverage of net charge-offs (x) | 369.0909% | 112 |
| Efficiency ratio | 60.6582% | 5,436 |
| Assets per employee ($millions) | 4.4380% | 3,073 |
| Cash dividends to net income (ytd only)* | 68.5977% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 6,030 |
| Loan loss allowance to noncurrent loans | 96.8661% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 4,618 |
| Noncurrent loans to loans | 1.0125% | 4,171 |
| Net loans and leases to total assets | 70.3164% | 1,780 |
| Net loans and leases to deposits | 92.0038% | 909 |
| Net loans and leases to core deposits | 98.0196% | 1,146 |
| Total domestic deposits to total assets | 76.4277% | 6,299 |
| Equity capital to assets | 12.4502% | 1,746 |
| Core capital (leverage) ratio | 10.3807% | 2,913 |
| Tier 1 risk-based capital ratio | 17.0202% | 2,640 |
| Total risk-based capital ratio | 18.1999% | 2,642 |
| Memoranda: | ||
| Average total assets | $529,009,800 | 1,263 |
| Average earning assets | $442,859,600 | 1,363 |
| Average equity | $65,675,000 | 1,075 |
| Average total loans | $364,943,400 | 1,144 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8008% | 2,389 |
| Cost of funding earning assets | 1.3643% | 338 |
| Net interest margin | 3.4365% | 4,892 |
| Noninterest income to average assets | 1.1000% | 1,241 |
| Noninterest expense to average assets | 2.4148% | 5,355 |
| Loan and lease loss provision to assets | 0.1065% | 4,234 |
| Net operating income to assets | 0.9775% | 2,622 |
| Return on assets (ROA) | 0.9902% | 2,786 |
| Pretax return on assets | 1.4691% | 2,008 |
| Return on Equity (ROE) | 7.9820% | 3,292 |
| Retained earnings to average equity (ytd only) | 2.5512% | 5,038 |
| Net charge-offs to loans | -0.0033% | 6,234 |
| Credit loss provision to net charge-offs | -4,677.7778% | 6,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1860% | 5,463 |
| Assets per employee ($millions) | 4.7279% | 2,566 |
| Cash dividends to net income (ytd only)* | 68.0378% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 6,126 |
| Loan loss allowance to noncurrent loans | 97.2867% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 4,834 |
| Noncurrent loans to loans | 1.0166% | 4,418 |
| Net loans and leases to total assets | 69.8747% | 1,931 |
| Net loans and leases to deposits | 91.6109% | 1,007 |
| Net loans and leases to core deposits | 97.6459% | 1,291 |
| Total domestic deposits to total assets | 76.2734% | 6,347 |
| Equity capital to assets | 12.4457% | 1,933 |
| Core capital (leverage) ratio | 10.2846% | 3,182 |
| Tier 1 risk-based capital ratio | 16.9710% | 2,746 |
| Total risk-based capital ratio | 18.1591% | 2,741 |
| Memoranda: | ||
| Average total assets | $527,011,250 | 1,281 |
| Average earning assets | $440,357,500 | 1,390 |
| Average equity | $65,379,250 | 1,087 |
| Average total loans | $360,843,750 | 1,164 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8526% | 2,293 |
| Cost of funding earning assets | 1.4070% | 342 |
| Net interest margin | 3.4456% | 4,900 |
| Noninterest income to average assets | 1.0004% | 1,463 |
| Noninterest expense to average assets | 2.3916% | 5,489 |
| Loan and lease loss provision to assets | 0.1018% | 4,251 |
| Net operating income to assets | 0.9398% | 2,713 |
| Return on assets (ROA) | 0.9592% | 2,866 |
| Pretax return on assets | 1.4102% | 2,165 |
| Return on Equity (ROE) | 7.7405% | 3,380 |
| Retained earnings to average equity (ytd only) | 2.3505% | 5,014 |
| Net charge-offs to loans | 0.0056% | 5,414 |
| Credit loss provision to net charge-offs | 2,670.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 389.1000% | 107 |
| Efficiency ratio | 61.0783% | 5,413 |
| Assets per employee ($millions) | 4.8245% | 2,394 |
| Cash dividends to net income (ytd only)* | 69.6343% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 6,254 |
| Loan loss allowance to noncurrent loans | 96.5779% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 5,004 |
| Noncurrent loans to loans | 1.0062% | 4,496 |
| Net loans and leases to total assets | 68.2832% | 2,241 |
| Net loans and leases to deposits | 90.5549% | 1,089 |
| Net loans and leases to core deposits | 96.5042% | 1,391 |
| Total domestic deposits to total assets | 75.4053% | 6,542 |
| Equity capital to assets | 12.3554% | 1,909 |
| Core capital (leverage) ratio | 10.2860% | 3,063 |
| Tier 1 risk-based capital ratio | 17.1177% | 2,621 |
| Total risk-based capital ratio | 18.2795% | 2,614 |
| Memoranda: | ||
| Average total assets | $524,596,330 | 1,290 |
| Average earning assets | $437,658,330 | 1,399 |
| Average equity | $65,008,330 | 1,084 |
| Average total loans | $355,445,330 | 1,174 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 2,202 |
| Cost of funding earning assets | 1.4509% | 350 |
| Net interest margin | 3.4580% | 4,883 |
| Noninterest income to average assets | 0.8950% | 1,765 |
| Noninterest expense to average assets | 2.4021% | 5,462 |
| Loan and lease loss provision to assets | 0.0959% | 4,153 |
| Net operating income to assets | 0.8881% | 2,982 |
| Return on assets (ROA) | 0.8881% | 3,202 |
| Pretax return on assets | 1.2869% | 2,586 |
| Return on Equity (ROE) | 7.1562% | 3,686 |
| Retained earnings to average equity (ytd only) | 1.7736% | 5,357 |
| Net charge-offs to loans | -0.0103% | 5,953 |
| Credit loss provision to net charge-offs | -1,388.8889% | 5,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7964% | 5,137 |
| Assets per employee ($millions) | 4.7678% | 2,562 |
| Cash dividends to net income (ytd only)* | 75.2159% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 6,328 |
| Loan loss allowance to noncurrent loans | 94.2371% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 5,109 |
| Noncurrent loans to loans | 1.0366% | 4,617 |
| Net loans and leases to total assets | 66.9828% | 2,288 |
| Net loans and leases to deposits | 90.4570% | 926 |
| Net loans and leases to core deposits | 96.5714% | 1,246 |
| Total domestic deposits to total assets | 74.0492% | 6,739 |
| Equity capital to assets | 12.4866% | 1,732 |
| Core capital (leverage) ratio | 10.2160% | 3,085 |
| Tier 1 risk-based capital ratio | 17.2965% | 2,555 |
| Total risk-based capital ratio | 18.4462% | 2,567 |
| Memoranda: | ||
| Average total assets | $521,544,500 | 1,301 |
| Average earning assets | $435,863,000 | 1,405 |
| Average equity | $64,727,500 | 1,086 |
| Average total loans | $350,200,500 | 1,200 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 2,683 |
| Cost of funding earning assets | 1.4952% | 735 |
| Net interest margin | 3.5497% | 4,937 |
| Noninterest income to average assets | 0.8464% | 1,859 |
| Noninterest expense to average assets | 2.4097% | 5,747 |
| Loan and lease loss provision to assets | 0.1317% | 4,966 |
| Net operating income to assets | 0.9316% | 2,477 |
| Return on assets (ROA) | 0.9917% | 2,374 |
| Pretax return on assets | 1.4596% | 1,600 |
| Return on Equity (ROE) | 8.3608% | 2,734 |
| Retained earnings to average equity (ytd only) | 3.1605% | 3,974 |
| Net charge-offs to loans | 0.0849% | 5,476 |
| Credit loss provision to net charge-offs | 240.2878% | 1,007 |
| Earnings coverage of net charge-offs (x) | 27.4173% | 907 |
| Efficiency ratio | 60.8306% | 5,630 |
| Assets per employee ($millions) | 4.7582% | 2,503 |
| Cash dividends to net income (ytd only)* | 62.1992% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,411 |
| Loan loss allowance to noncurrent loans | 89.8176% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 5,161 |
| Noncurrent loans to loans | 1.0528% | 4,606 |
| Net loans and leases to total assets | 66.0233% | 2,780 |
| Net loans and leases to deposits | 90.4521% | 1,102 |
| Net loans and leases to core deposits | 96.0241% | 1,489 |
| Total domestic deposits to total assets | 72.9926% | 6,810 |
| Equity capital to assets | 12.3354% | 1,887 |
| Core capital (leverage) ratio | 10.0242% | 3,308 |
| Tier 1 risk-based capital ratio | 17.5171% | 2,377 |
| Total risk-based capital ratio | 18.6463% | 2,389 |
| Memoranda: | ||
| Average total assets | $507,117,800 | 1,319 |
| Average earning assets | $438,070,400 | 1,385 |
| Average equity | $60,149,400 | 1,120 |
| Average total loans | $327,606,600 | 1,300 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 2,775 |
| Cost of funding earning assets | 1.5042% | 844 |
| Net interest margin | 3.5613% | 4,936 |
| Noninterest income to average assets | 0.8534% | 1,824 |
| Noninterest expense to average assets | 2.4811% | 5,529 |
| Loan and lease loss provision to assets | 0.1397% | 4,693 |
| Net operating income to assets | 0.9356% | 2,587 |
| Return on assets (ROA) | 0.9907% | 2,510 |
| Pretax return on assets | 1.4137% | 1,904 |
| Return on Equity (ROE) | 8.4407% | 2,858 |
| Retained earnings to average equity (ytd only) | 2.7097% | 4,733 |
| Net charge-offs to loans | 0.1709% | 4,430 |
| Credit loss provision to net charge-offs | 127.6029% | 2,504 |
| Earnings coverage of net charge-offs (x) | 13.4722% | 1,615 |
| Efficiency ratio | 61.9564% | 5,415 |
| Assets per employee ($millions) | 4.7976% | 2,479 |
| Cash dividends to net income (ytd only)* | 67.8973% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 6,661 |
| Loan loss allowance to noncurrent loans | 70.2068% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 5,009 |
| Noncurrent loans to loans | 1.2521% | 4,445 |
| Net loans and leases to total assets | 65.7434% | 2,957 |
| Net loans and leases to deposits | 91.0468% | 1,103 |
| Net loans and leases to core deposits | 97.1071% | 1,498 |
| Total domestic deposits to total assets | 72.2084% | 6,919 |
| Equity capital to assets | 12.4548% | 1,946 |
| Core capital (leverage) ratio | 10.0226% | 3,409 |
| Tier 1 risk-based capital ratio | 17.4041% | 2,482 |
| Total risk-based capital ratio | 18.4446% | 2,533 |
| Memoranda: | ||
| Average total assets | $503,048,000 | 1,337 |
| Average earning assets | $438,218,750 | 1,393 |
| Average equity | $59,046,000 | 1,145 |
| Average total loans | $322,292,500 | 1,327 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 2,552 |
| Cost of funding earning assets | 1.5229% | 928 |
| Net interest margin | 3.6056% | 4,704 |
| Noninterest income to average assets | 0.7899% | 2,072 |
| Noninterest expense to average assets | 2.5321% | 5,427 |
| Loan and lease loss provision to assets | 0.1333% | 4,633 |
| Net operating income to assets | 0.8904% | 2,682 |
| Return on assets (ROA) | 0.9727% | 2,447 |
| Pretax return on assets | 1.4044% | 1,787 |
| Return on Equity (ROE) | 8.4661% | 2,730 |
| Retained earnings to average equity (ytd only) | 3.1984% | 4,237 |
| Net charge-offs to loans | 0.2868% | 3,442 |
| Credit loss provision to net charge-offs | 73.4513% | 3,966 |
| Earnings coverage of net charge-offs (x) | 7.8142% | 2,162 |
| Efficiency ratio | 63.3222% | 5,362 |
| Assets per employee ($millions) | 4.5856% | 2,712 |
| Cash dividends to net income (ytd only)* | 62.2213% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 6,727 |
| Loan loss allowance to noncurrent loans | 90.6636% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.7523% | 5,401 |
| Noncurrent loans to loans | 0.9606% | 5,070 |
| Net loans and leases to total assets | 63.4643% | 3,585 |
| Net loans and leases to deposits | 86.5321% | 1,706 |
| Net loans and leases to core deposits | 91.9690% | 2,135 |
| Total domestic deposits to total assets | 73.3419% | 6,900 |
| Equity capital to assets | 11.6992% | 2,327 |
| Core capital (leverage) ratio | 9.2426% | 4,333 |
| Tier 1 risk-based capital ratio | 16.1908% | 2,887 |
| Total risk-based capital ratio | 17.1947% | 2,972 |
| Memoranda: | ||
| Average total assets | $498,015,330 | 1,350 |
| Average earning assets | $436,538,000 | 1,406 |
| Average equity | $57,216,670 | 1,173 |
| Average total loans | $315,167,330 | 1,370 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 2,683 |
| Cost of funding earning assets | 1.5236% | 1,079 |
| Net interest margin | 3.5672% | 4,738 |
| Noninterest income to average assets | 0.7073% | 2,536 |
| Noninterest expense to average assets | 2.5330% | 5,440 |
| Loan and lease loss provision to assets | 0.1207% | 4,503 |
| Net operating income to assets | 0.8587% | 2,745 |
| Return on assets (ROA) | 0.8964% | 2,640 |
| Pretax return on assets | 1.2641% | 2,150 |
| Return on Equity (ROE) | 7.8746% | 2,972 |
| Retained earnings to average equity (ytd only) | 2.5589% | 4,629 |
| Net charge-offs to loans | 0.2967% | 2,866 |
| Credit loss provision to net charge-offs | 64.6552% | 3,458 |
| Earnings coverage of net charge-offs (x) | 7.1336% | 1,994 |
| Efficiency ratio | 64.7512% | 5,226 |
| Assets per employee ($millions) | 4.5353% | 2,825 |
| Cash dividends to net income (ytd only)* | 67.5045% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 6,703 |
| Loan loss allowance to noncurrent loans | 82.5643% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 5,227 |
| Noncurrent loans to loans | 1.0870% | 4,879 |
| Net loans and leases to total assets | 63.1475% | 3,616 |
| Net loans and leases to deposits | 87.1803% | 1,566 |
| Net loans and leases to core deposits | 92.0605% | 2,122 |
| Total domestic deposits to total assets | 72.4332% | 7,048 |
| Equity capital to assets | 11.4850% | 2,289 |
| Core capital (leverage) ratio | 9.1590% | 4,359 |
| Tier 1 risk-based capital ratio | 15.6816% | 3,064 |
| Total risk-based capital ratio | 16.6865% | 3,144 |
| Memoranda: | ||
| Average total assets | $497,108,500 | 1,356 |
| Average earning assets | $440,013,500 | 1,404 |
| Average equity | $56,587,000 | 1,175 |
| Average total loans | $312,751,000 | 1,391 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4896% | 2,334 |
| Cost of funding earning assets | 1.8799% | 908 |
| Net interest margin | 3.6096% | 4,772 |
| Noninterest income to average assets | 0.6197% | 3,342 |
| Noninterest expense to average assets | 2.4435% | 5,963 |
| Loan and lease loss provision to assets | 0.1034% | 6,108 |
| Net operating income to assets | 0.7447% | 3,021 |
| Return on assets (ROA) | 0.9707% | 2,251 |
| Pretax return on assets | 1.3912% | 1,684 |
| Return on Equity (ROE) | 8.6607% | 2,441 |
| Retained earnings to average equity (ytd only) | 3.2554% | 3,588 |
| Net charge-offs to loans | 0.2442% | 4,824 |
| Credit loss provision to net charge-offs | 69.1275% | 5,887 |
| Earnings coverage of net charge-offs (x) | 7.8349% | 2,057 |
| Efficiency ratio | 66.6259% | 4,837 |
| Assets per employee ($millions) | 4.5443% | 2,788 |
| Cash dividends to net income (ytd only)* | 62.4121% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 6,618 |
| Loan loss allowance to noncurrent loans | 186.7137% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 6,227 |
| Noncurrent loans to loans | 0.5018% | 6,035 |
| Net loans and leases to total assets | 61.5356% | 4,388 |
| Net loans and leases to deposits | 85.9594% | 2,108 |
| Net loans and leases to core deposits | 90.8532% | 2,638 |
| Total domestic deposits to total assets | 71.5869% | 7,125 |
| Equity capital to assets | 11.2826% | 2,426 |
| Core capital (leverage) ratio | 8.9335% | 4,643 |
| Tier 1 risk-based capital ratio | 15.4668% | 3,010 |
| Total risk-based capital ratio | 16.5011% | 3,076 |
| Memoranda: | ||
| Average total assets | $497,983,400 | 1,353 |
| Average earning assets | $413,311,800 | 1,471 |
| Average equity | $55,815,400 | 1,191 |
| Average total loans | $305,127,000 | 1,473 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5726% | 2,166 |
| Cost of funding earning assets | 1.9499% | 883 |
| Net interest margin | 3.6227% | 4,766 |
| Noninterest income to average assets | 0.6322% | 3,237 |
| Noninterest expense to average assets | 2.4240% | 5,956 |
| Loan and lease loss provision to assets | 0.1166% | 5,861 |
| Net operating income to assets | 0.7326% | 3,271 |
| Return on assets (ROA) | 0.9669% | 2,472 |
| Pretax return on assets | 1.3879% | 1,916 |
| Return on Equity (ROE) | 8.6412% | 2,634 |
| Retained earnings to average equity (ytd only) | 3.2285% | 4,166 |
| Net charge-offs to loans | 0.3121% | 4,091 |
| Credit loss provision to net charge-offs | 61.1814% | 5,657 |
| Earnings coverage of net charge-offs (x) | 6.1392% | 2,594 |
| Efficiency ratio | 66.4802% | 4,760 |
| Assets per employee ($millions) | 4.6548% | 2,672 |
| Cash dividends to net income (ytd only)* | 62.6386% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 6,612 |
| Loan loss allowance to noncurrent loans | 113.5264% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 5,776 |
| Noncurrent loans to loans | 0.8276% | 5,563 |
| Net loans and leases to total assets | 60.0231% | 4,909 |
| Net loans and leases to deposits | 84.3839% | 2,641 |
| Net loans and leases to core deposits | 88.9890% | 3,238 |
| Total domestic deposits to total assets | 71.1310% | 7,204 |
| Equity capital to assets | 11.3257% | 2,682 |
| Core capital (leverage) ratio | 8.7613% | 5,087 |
| Tier 1 risk-based capital ratio | 15.4489% | 3,028 |
| Total risk-based capital ratio | 16.4818% | 3,105 |
| Memoranda: | ||
| Average total assets | $497,512,250 | 1,367 |
| Average earning assets | $406,718,000 | 1,520 |
| Average equity | $55,669,750 | 1,197 |
| Average total loans | $303,782,250 | 1,497 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6713% | 1,868 |
| Cost of funding earning assets | 1.9896% | 933 |
| Net interest margin | 3.6818% | 4,442 |
| Noninterest income to average assets | 0.6329% | 3,109 |
| Noninterest expense to average assets | 2.4196% | 6,011 |
| Loan and lease loss provision to assets | 0.1412% | 5,481 |
| Net operating income to assets | 0.7213% | 3,310 |
| Return on assets (ROA) | 0.9331% | 2,516 |
| Pretax return on assets | 1.3510% | 1,949 |
| Return on Equity (ROE) | 8.3732% | 2,725 |
| Retained earnings to average equity (ytd only) | 2.9395% | 4,258 |
| Net charge-offs to loans | 0.3183% | 3,729 |
| Credit loss provision to net charge-offs | 72.4638% | 4,906 |
| Earnings coverage of net charge-offs (x) | 6.0828% | 2,533 |
| Efficiency ratio | 66.1482% | 4,957 |
| Assets per employee ($millions) | 4.6233% | 2,699 |
| Cash dividends to net income (ytd only)* | 64.8941% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 6,420 |
| Loan loss allowance to noncurrent loans | 86.0825% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8372% | 5,444 |
| Noncurrent loans to loans | 1.1578% | 5,024 |
| Net loans and leases to total assets | 59.8015% | 5,101 |
| Net loans and leases to deposits | 85.1271% | 2,675 |
| Net loans and leases to core deposits | 88.2438% | 3,513 |
| Total domestic deposits to total assets | 70.2497% | 7,313 |
| Equity capital to assets | 11.2493% | 2,638 |
| Core capital (leverage) ratio | 8.6849% | 5,106 |
| Tier 1 risk-based capital ratio | 15.5399% | 2,871 |
| Total risk-based capital ratio | 16.6484% | 2,919 |
| Memoranda: | ||
| Average total assets | $495,778,670 | 1,373 |
| Average earning assets | $400,187,000 | 1,550 |
| Average equity | $55,247,670 | 1,195 |
| Average total loans | $303,507,670 | 1,511 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7801% | 1,524 |
| Cost of funding earning assets | 1.9907% | 1,121 |
| Net interest margin | 3.7894% | 3,840 |
| Noninterest income to average assets | 0.6081% | 3,226 |
| Noninterest expense to average assets | 2.4623% | 5,864 |
| Loan and lease loss provision to assets | 0.2429% | 4,103 |
| Net operating income to assets | 0.6761% | 3,544 |
| Return on assets (ROA) | 0.8745% | 2,736 |
| Pretax return on assets | 1.2761% | 2,117 |
| Return on Equity (ROE) | 7.8851% | 2,942 |
| Retained earnings to average equity (ytd only) | 2.4604% | 4,657 |
| Net charge-offs to loans | 0.5584% | 2,406 |
| Credit loss provision to net charge-offs | 70.5882% | 4,088 |
| Earnings coverage of net charge-offs (x) | 3.5788% | 2,860 |
| Efficiency ratio | 65.7168% | 5,174 |
| Assets per employee ($millions) | 4.6133% | 2,773 |
| Cash dividends to net income (ytd only)* | 68.7963% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,473 |
| Loan loss allowance to noncurrent loans | 88.2577% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.8041% | 5,548 |
| Noncurrent loans to loans | 1.1335% | 5,094 |
| Net loans and leases to total assets | 60.9925% | 4,944 |
| Net loans and leases to deposits | 86.8473% | 2,438 |
| Net loans and leases to core deposits | 86.8473% | 3,776 |
| Total domestic deposits to total assets | 70.2295% | 7,396 |
| Equity capital to assets | 11.2640% | 2,530 |
| Core capital (leverage) ratio | 8.7110% | 5,006 |
| Tier 1 risk-based capital ratio | 15.3129% | 2,961 |
| Total risk-based capital ratio | 16.4277% | 2,986 |
| Memoranda: | ||
| Average total assets | $494,012,000 | 1,412 |
| Average earning assets | $402,276,500 | 1,582 |
| Average equity | $54,787,000 | 1,217 |
| Average total loans | $304,460,500 | 1,548 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8538% | 2,427 |
| Cost of funding earning assets | 2.1975% | 2,048 |
| Net interest margin | 3.6562% | 4,324 |
| Noninterest income to average assets | 0.7058% | 2,927 |
| Noninterest expense to average assets | 2.7182% | 5,306 |
| Loan and lease loss provision to assets | 0.1194% | 6,452 |
| Net operating income to assets | 0.7225% | 2,845 |
| Return on assets (ROA) | 0.9133% | 2,200 |
| Pretax return on assets | 1.3076% | 1,672 |
| Return on Equity (ROE) | 8.5326% | 2,184 |
| Retained earnings to average equity (ytd only) | 2.9711% | 3,085 |
| Net charge-offs to loans | 0.1529% | 5,737 |
| Credit loss provision to net charge-offs | 121.3115% | 4,390 |
| Earnings coverage of net charge-offs (x) | 11.7295% | 1,572 |
| Efficiency ratio | 69.0413% | 4,820 |
| Assets per employee ($millions) | 4.4161% | 3,075 |
| Cash dividends to net income (ytd only)* | 65.1800% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 6,268 |
| Loan loss allowance to noncurrent loans | 88.2733% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 5,463 |
| Noncurrent loans to loans | 1.1559% | 5,016 |
| Net loans and leases to total assets | 61.0221% | 5,187 |
| Net loans and leases to deposits | 86.2139% | 2,875 |
| Net loans and leases to core deposits | 90.0030% | 5,127 |
| Total domestic deposits to total assets | 70.7799% | 7,356 |
| Equity capital to assets | 10.9199% | 2,762 |
| Core capital (leverage) ratio | 8.3809% | 5,472 |
| Tier 1 risk-based capital ratio | 14.5341% | 3,191 |
| Total risk-based capital ratio | 15.6561% | 3,212 |
| Memoranda: | ||
| Average total assets | $495,877,400 | 1,392 |
| Average earning assets | $429,483,800 | 1,477 |
| Average equity | $53,078,800 | 1,247 |
| Average total loans | $319,060,000 | 1,506 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8732% | 2,569 |
| Cost of funding earning assets | 2.2443% | 2,209 |
| Net interest margin | 3.6289% | 4,378 |
| Noninterest income to average assets | 0.7392% | 2,767 |
| Noninterest expense to average assets | 2.8102% | 4,849 |
| Loan and lease loss provision to assets | 0.1594% | 5,755 |
| Net operating income to assets | 0.6761% | 3,295 |
| Return on assets (ROA) | 0.8822% | 2,564 |
| Pretax return on assets | 1.2404% | 2,136 |
| Return on Equity (ROE) | 8.2842% | 2,523 |
| Retained earnings to average equity (ytd only) | 2.7260% | 3,807 |
| Net charge-offs to loans | 0.1673% | 5,050 |
| Credit loss provision to net charge-offs | 146.5347% | 3,311 |
| Earnings coverage of net charge-offs (x) | 10.1981% | 1,990 |
| Efficiency ratio | 70.4981% | 4,492 |
| Assets per employee ($millions) | 4.3995% | 3,035 |
| Cash dividends to net income (ytd only)* | 67.0940% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 6,179 |
| Loan loss allowance to noncurrent loans | 109.6259% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 5,788 |
| Noncurrent loans to loans | 0.9277% | 5,437 |
| Net loans and leases to total assets | 62.0037% | 5,243 |
| Net loans and leases to deposits | 87.1439% | 3,125 |
| Net loans and leases to core deposits | 91.3859% | 5,292 |
| Total domestic deposits to total assets | 71.1509% | 7,318 |
| Equity capital to assets | 10.7318% | 3,260 |
| Core capital (leverage) ratio | 8.1217% | 6,149 |
| Tier 1 risk-based capital ratio | 13.8232% | 3,652 |
| Total risk-based capital ratio | 14.9392% | 3,672 |
| Memoranda: | ||
| Average total assets | $495,092,750 | 1,409 |
| Average earning assets | $433,916,250 | 1,471 |
| Average equity | $52,725,500 | 1,275 |
| Average total loans | $321,912,750 | 1,515 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8891% | 2,637 |
| Cost of funding earning assets | 2.2742% | 2,471 |
| Net interest margin | 3.6149% | 4,304 |
| Noninterest income to average assets | 0.7716% | 2,579 |
| Noninterest expense to average assets | 2.8901% | 4,539 |
| Loan and lease loss provision to assets | 0.2409% | 4,660 |
| Net operating income to assets | 0.5973% | 3,686 |
| Return on assets (ROA) | 0.8619% | 2,707 |
| Pretax return on assets | 1.1976% | 2,306 |
| Return on Equity (ROE) | 8.1147% | 2,724 |
| Retained earnings to average equity (ytd only) | 2.5631% | 3,901 |
| Net charge-offs to loans | 0.2003% | 4,283 |
| Credit loss provision to net charge-offs | 182.7160% | 2,515 |
| Earnings coverage of net charge-offs (x) | 8.1235% | 2,312 |
| Efficiency ratio | 71.6766% | 4,476 |
| Assets per employee ($millions) | 4.7768% | 2,357 |
| Cash dividends to net income (ytd only)* | 68.4136% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 5,936 |
| Loan loss allowance to noncurrent loans | 95.3233% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 5,706 |
| Noncurrent loans to loans | 1.0970% | 5,014 |
| Net loans and leases to total assets | 60.5656% | 5,594 |
| Net loans and leases to deposits | 86.6633% | 3,429 |
| Net loans and leases to core deposits | 96.6904% | 4,824 |
| Total domestic deposits to total assets | 69.8860% | 7,484 |
| Equity capital to assets | 10.1763% | 3,745 |
| Core capital (leverage) ratio | 7.8173% | 6,591 |
| Tier 1 risk-based capital ratio | 13.2286% | 3,980 |
| Total risk-based capital ratio | 14.3402% | 3,992 |
| Memoranda: | ||
| Average total assets | $491,474,670 | 1,442 |
| Average earning assets | $433,648,330 | 1,488 |
| Average equity | $52,201,670 | 1,301 |
| Average total loans | $323,574,000 | 1,539 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1722% | 1,682 |
| Cost of funding earning assets | 2.2646% | 2,866 |
| Net interest margin | 3.9076% | 3,014 |
| Noninterest income to average assets | 0.7194% | 2,767 |
| Noninterest expense to average assets | 3.0079% | 3,735 |
| Loan and lease loss provision to assets | 0.3806% | 3,040 |
| Net operating income to assets | 0.6196% | 3,942 |
| Return on assets (ROA) | 0.8505% | 3,062 |
| Pretax return on assets | 1.1726% | 2,712 |
| Return on Equity (ROE) | 7.8305% | 3,228 |
| Retained earnings to average equity (ytd only) | 2.4667% | 4,500 |
| Net charge-offs to loans | 0.3200% | 2,820 |
| Credit loss provision to net charge-offs | 174.0458% | 2,474 |
| Earnings coverage of net charge-offs (x) | 5.6565% | 2,632 |
| Efficiency ratio | 69.3669% | 4,704 |
| Assets per employee ($millions) | 4.4244% | 2,837 |
| Cash dividends to net income (ytd only)* | 68.4985% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,180 |
| Loan loss allowance to noncurrent loans | 95.6457% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 5,369 |
| Noncurrent loans to loans | 1.0459% | 4,890 |
| Net loans and leases to total assets | 66.8744% | 4,370 |
| Net loans and leases to deposits | 96.0296% | 1,943 |
| Net loans and leases to core deposits | 106.7911% | 3,818 |
| Total domestic deposits to total assets | 69.6394% | 7,459 |
| Equity capital to assets | 10.9973% | 2,961 |
| Core capital (leverage) ratio | 8.3633% | 5,785 |
| Tier 1 risk-based capital ratio | 13.0072% | 4,176 |
| Total risk-based capital ratio | 14.0893% | 4,216 |
| Memoranda: | ||
| Average total assets | $479,263,500 | 1,491 |
| Average earning assets | $432,390,500 | 1,500 |
| Average equity | $52,053,000 | 1,314 |
| Average total loans | $327,482,000 | 1,534 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9687% | 5,707 |
| Cost of funding earning assets | 2.7111% | 3,107 |
| Net interest margin | 3.2576% | 6,191 |
| Noninterest income to average assets | 1.0504% | 1,422 |
| Noninterest expense to average assets | 3.1236% | 3,604 |
| Loan and lease loss provision to assets | 0.1970% | 4,913 |
| Net operating income to assets | 0.5007% | 4,733 |
| Return on assets (ROA) | 0.6471% | 3,968 |
| Pretax return on assets | 0.8797% | 3,802 |
| Return on Equity (ROE) | 7.0337% | 3,514 |
| Retained earnings to average equity (ytd only) | 1.3098% | 4,431 |
| Net charge-offs to loans | 0.1148% | 5,113 |
| Credit loss provision to net charge-offs | 253.8674% | 1,833 |
| Earnings coverage of net charge-offs (x) | 11.3232% | 2,382 |
| Efficiency ratio | 76.3272% | 3,181 |
| Assets per employee ($millions) | 4.4508% | 2,696 |
| Cash dividends to net income (ytd only)* | 81.3784% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 6,600 |
| Loan loss allowance to noncurrent loans | 94.5483% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 5,129 |
| Noncurrent loans to loans | 0.9663% | 4,667 |
| Net loans and leases to total assets | 68.4743% | 4,374 |
| Net loans and leases to deposits | 102.7470% | 1,500 |
| Net loans and leases to core deposits | 115.1043% | 3,230 |
| Total domestic deposits to total assets | 66.6436% | 7,607 |
| Equity capital to assets | 10.7256% | 3,274 |
| Core capital (leverage) ratio | 8.1801% | 6,201 |
| Tier 1 risk-based capital ratio | 12.5158% | 4,424 |
| Total risk-based capital ratio | 13.5094% | 4,510 |
| Memoranda: | ||
| Average total assets | $466,389,200 | 1,476 |
| Average earning assets | $422,637,600 | 1,475 |
| Average equity | $42,907,800 | 1,565 |
| Average total loans | $315,257,000 | 1,537 |