Home > Legacy Bank > Performance and Condition Ratios
Legacy 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 | 4.2597% | 476 |
| Cost of funding earning assets | 0.1527% | 3,473 |
| Net interest margin | 4.1070% | 334 |
| Noninterest income to average assets | 0.2118% | 3,893 |
| Noninterest expense to average assets | 2.1359% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8450% | 300 |
| Return on assets (ROA) | 1.8450% | 302 |
| Pretax return on assets | 1.8450% | 496 |
| Return on Equity (ROE) | 13.9927% | 832 |
| Retained earnings to average equity (ytd only) | 13.9927% | 379 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6525% | 4,079 |
| Assets per employee ($millions) | 8.0678% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 1,164 |
| Loan loss allowance to noncurrent loans | 174.7314% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.5907% | 222 |
| Noncurrent loans to loans | 0.9415% | 970 |
| Net loans and leases to total assets | 62.2604% | 1,831 |
| Net loans and leases to deposits | 71.9064% | 1,784 |
| Net loans and leases to core deposits | 76.6435% | 1,735 |
| Total domestic deposits to total assets | 86.5853% | 3,079 |
| Equity capital to assets | 12.7600% | 746 |
| Core capital (leverage) ratio | 13.4119% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0844% | 1,490 |
| Memoranda: | ||
| Average total assets | $491,044,500 | 1,760 |
| Average earning assets | $450,645,000 | 1,786 |
| Average equity | $64,748,000 | 1,409 |
| Average total loans | $310,725,500 | 1,658 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 1,081 |
| Cost of funding earning assets | 0.2437% | 3,009 |
| Net interest margin | 3.9073% | 845 |
| Noninterest income to average assets | 0.2362% | 3,964 |
| Noninterest expense to average assets | 1.9919% | 3,697 |
| Loan and lease loss provision to assets | 0.1547% | 769 |
| Net operating income to assets | 1.6838% | 655 |
| Return on assets (ROA) | 1.7305% | 616 |
| Pretax return on assets | 1.7305% | 1,068 |
| Return on Equity (ROE) | 12.2382% | 1,734 |
| Retained earnings to average equity (ytd only) | 7.7837% | 1,624 |
| Net charge-offs to loans | 0.1641% | 588 |
| Credit loss provision to net charge-offs | 145.8167% | 1,509 |
| Earnings coverage of net charge-offs (x) | 17.3327% | 1,944 |
| Efficiency ratio | 52.0024% | 4,115 |
| Assets per employee ($millions) | 8.1643% | 1,238 |
| Cash dividends to net income (ytd only)* | 36.3980% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 1,255 |
| Loan loss allowance to noncurrent loans | 149.8959% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.6421% | 241 |
| Noncurrent loans to loans | 1.0675% | 907 |
| Net loans and leases to total assets | 62.2436% | 1,909 |
| Net loans and leases to deposits | 72.5853% | 1,858 |
| Net loans and leases to core deposits | 77.3095% | 1,818 |
| Total domestic deposits to total assets | 85.7524% | 2,993 |
| Equity capital to assets | 13.5996% | 740 |
| Core capital (leverage) ratio | 12.5220% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8532% | 1,569 |
| Memoranda: | ||
| Average total assets | $473,272,600 | 1,764 |
| Average earning assets | $435,342,600 | 1,788 |
| Average equity | $66,921,600 | 1,397 |
| Average total loans | $305,946,600 | 1,682 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 1,236 |
| Cost of funding earning assets | 0.2687% | 2,915 |
| Net interest margin | 3.8633% | 998 |
| Noninterest income to average assets | 0.2352% | 3,990 |
| Noninterest expense to average assets | 1.9254% | 3,881 |
| Loan and lease loss provision to assets | 0.1505% | 750 |
| Net operating income to assets | 1.7141% | 803 |
| Return on assets (ROA) | 1.7141% | 843 |
| Pretax return on assets | 1.7141% | 1,378 |
| Return on Equity (ROE) | 12.0001% | 2,045 |
| Retained earnings to average equity (ytd only) | 9.5182% | 1,475 |
| Net charge-offs to loans | 0.1985% | 426 |
| Credit loss provision to net charge-offs | 116.5929% | 1,480 |
| Earnings coverage of net charge-offs (x) | 14.4513% | 1,889 |
| Efficiency ratio | 50.8021% | 4,140 |
| Assets per employee ($millions) | 8.2885% | 1,136 |
| Cash dividends to net income (ytd only)* | 20.6828% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 1,468 |
| Loan loss allowance to noncurrent loans | 101.8766% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.7842% | 237 |
| Noncurrent loans to loans | 1.5200% | 685 |
| Net loans and leases to total assets | 62.4644% | 1,954 |
| Net loans and leases to deposits | 72.9841% | 1,962 |
| Net loans and leases to core deposits | 77.7303% | 1,909 |
| Total domestic deposits to total assets | 85.5863% | 2,920 |
| Equity capital to assets | 13.8231% | 775 |
| Core capital (leverage) ratio | 12.7740% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8294% | 1,678 |
| Memoranda: | ||
| Average total assets | $467,085,250 | 1,805 |
| Average earning assets | $429,773,750 | 1,823 |
| Average equity | $66,719,750 | 1,413 |
| Average total loans | $303,676,250 | 1,722 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 1,413 |
| Cost of funding earning assets | 0.2973% | 2,798 |
| Net interest margin | 3.7699% | 1,192 |
| Noninterest income to average assets | 0.2398% | 3,966 |
| Noninterest expense to average assets | 1.8949% | 3,977 |
| Loan and lease loss provision to assets | 0.0945% | 1,328 |
| Net operating income to assets | 1.7238% | 839 |
| Return on assets (ROA) | 1.7238% | 888 |
| Pretax return on assets | 1.7238% | 1,425 |
| Return on Equity (ROE) | 11.9282% | 2,096 |
| Retained earnings to average equity (ytd only) | 8.1672% | 2,015 |
| Net charge-offs to loans | 0.2756% | 321 |
| Credit loss provision to net charge-offs | 52.3002% | 1,594 |
| Earnings coverage of net charge-offs (x) | 10.0605% | 1,813 |
| Efficiency ratio | 51.0312% | 4,142 |
| Assets per employee ($millions) | 7.9875% | 1,213 |
| Cash dividends to net income (ytd only)* | 31.5308% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 1,756 |
| Loan loss allowance to noncurrent loans | 54.7916% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 2.6520% | 120 |
| Noncurrent loans to loans | 2.6515% | 299 |
| Net loans and leases to total assets | 66.4138% | 1,645 |
| Net loans and leases to deposits | 77.9538% | 1,630 |
| Net loans and leases to core deposits | 83.8171% | 1,580 |
| Total domestic deposits to total assets | 85.1963% | 3,016 |
| Equity capital to assets | 14.2227% | 670 |
| Core capital (leverage) ratio | 12.9314% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6247% | 1,748 |
| Memoranda: | ||
| Average total assets | $457,009,667 | 1,829 |
| Average earning assets | $421,074,333 | 1,841 |
| Average equity | $66,045,000 | 1,416 |
| Average total loans | $299,725,333 | 1,747 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 1,633 |
| Cost of funding earning assets | 0.3217% | 2,780 |
| Net interest margin | 3.6673% | 1,408 |
| Noninterest income to average assets | 0.2614% | 3,830 |
| Noninterest expense to average assets | 1.7987% | 4,215 |
| Loan and lease loss provision to assets | 0.0649% | 1,840 |
| Net operating income to assets | 1.7827% | 812 |
| Return on assets (ROA) | 1.7827% | 863 |
| Pretax return on assets | 1.7827% | 1,324 |
| Return on Equity (ROE) | 12.2341% | 1,930 |
| Retained earnings to average equity (ytd only) | 12.2341% | 1,090 |
| Net charge-offs to loans | -0.0578% | 4,453 |
| Credit loss provision to net charge-offs | -173.8095% | 2,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3294% | 4,243 |
| Assets per employee ($millions) | 8.7852% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 1,048 |
| Loan loss allowance to noncurrent loans | 87.3095% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 2.1275% | 222 |
| Noncurrent loans to loans | 1.9472% | 565 |
| Net loans and leases to total assets | 62.3479% | 2,249 |
| Net loans and leases to deposits | 73.3765% | 2,173 |
| Net loans and leases to core deposits | 79.2481% | 2,072 |
| Total domestic deposits to total assets | 84.9699% | 3,108 |
| Equity capital to assets | 14.4618% | 584 |
| Core capital (leverage) ratio | 13.5734% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1005% | 1,538 |
| Memoranda: | ||
| Average total assets | $449,883,500 | 1,844 |
| Average earning assets | $415,242,000 | 1,853 |
| Average equity | $65,554,500 | 1,420 |
| Average total loans | $290,789,500 | 1,787 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 1,039 |
| Cost of funding earning assets | 0.6060% | 2,265 |
| Net interest margin | 4.0254% | 926 |
| Noninterest income to average assets | 0.2966% | 3,710 |
| Noninterest expense to average assets | 1.8373% | 4,411 |
| Loan and lease loss provision to assets | 0.2991% | 1,259 |
| Net operating income to assets | 1.8862% | 329 |
| Return on assets (ROA) | 1.8738% | 362 |
| Pretax return on assets | 1.8738% | 582 |
| Return on Equity (ROE) | 12.3534% | 1,220 |
| Retained earnings to average equity (ytd only) | 7.9468% | 1,067 |
| Net charge-offs to loans | 0.0011% | 3,389 |
| Credit loss provision to net charge-offs | 40,733.3333% | 27 |
| Earnings coverage of net charge-offs (x) | 2,976.3333% | 29 |
| Efficiency ratio | 45.6741% | 4,730 |
| Assets per employee ($millions) | 8.8587% | 778 |
| Cash dividends to net income (ytd only)* | 35.6714% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 1,167 |
| Loan loss allowance to noncurrent loans | 56.7402% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.9143% | 306 |
| Noncurrent loans to loans | 2.9055% | 305 |
| Net loans and leases to total assets | 64.7988% | 2,255 |
| Net loans and leases to deposits | 76.5271% | 2,224 |
| Net loans and leases to core deposits | 82.7198% | 2,139 |
| Total domestic deposits to total assets | 84.6743% | 2,894 |
| Equity capital to assets | 14.6845% | 637 |
| Core capital (leverage) ratio | 13.4426% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2742% | 1,456 |
| Memoranda: | ||
| Average total assets | $408,589,800 | 1,834 |
| Average earning assets | $378,194,600 | 1,841 |
| Average equity | $61,974,800 | 1,413 |
| Average total loans | $282,190,600 | 1,764 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7936% | 889 |
| Cost of funding earning assets | 0.6812% | 2,136 |
| Net interest margin | 4.1124% | 879 |
| Noninterest income to average assets | 0.2600% | 3,918 |
| Noninterest expense to average assets | 1.8649% | 4,391 |
| Loan and lease loss provision to assets | 0.3340% | 1,160 |
| Net operating income to assets | 1.8623% | 397 |
| Return on assets (ROA) | 1.8623% | 441 |
| Pretax return on assets | 1.8623% | 690 |
| Return on Equity (ROE) | 12.1703% | 1,322 |
| Retained earnings to average equity (ytd only) | 10.0072% | 764 |
| Net charge-offs to loans | -0.0195% | 4,416 |
| Credit loss provision to net charge-offs | -2,443.9024% | 4,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9209% | 4,717 |
| Assets per employee ($millions) | 8.6910% | 778 |
| Cash dividends to net income (ytd only)* | 17.7734% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6047% | 1,088 |
| Loan loss allowance to noncurrent loans | 59.1048% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.8414% | 405 |
| Noncurrent loans to loans | 2.7151% | 369 |
| Net loans and leases to total assets | 66.7345% | 2,419 |
| Net loans and leases to deposits | 79.1560% | 2,409 |
| Net loans and leases to core deposits | 86.7313% | 2,252 |
| Total domestic deposits to total assets | 84.3076% | 2,706 |
| Equity capital to assets | 15.0876% | 618 |
| Core capital (leverage) ratio | 13.6916% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5625% | 1,357 |
| Memoranda: | ||
| Average total assets | $400,003,000 | 1,841 |
| Average earning assets | $369,734,750 | 1,842 |
| Average equity | $61,207,750 | 1,414 |
| Average total loans | $279,781,000 | 1,765 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0307% | 787 |
| Cost of funding earning assets | 0.7417% | 2,170 |
| Net interest margin | 4.2890% | 768 |
| Noninterest income to average assets | 0.2330% | 4,084 |
| Noninterest expense to average assets | 1.8923% | 4,428 |
| Loan and lease loss provision to assets | 0.4124% | 967 |
| Net operating income to assets | 1.8882% | 409 |
| Return on assets (ROA) | 1.8882% | 454 |
| Pretax return on assets | 1.8882% | 682 |
| Return on Equity (ROE) | 12.2772% | 1,265 |
| Retained earnings to average equity (ytd only) | 8.9778% | 1,015 |
| Net charge-offs to loans | -0.0289% | 4,525 |
| Credit loss provision to net charge-offs | -2,017.5000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1310% | 4,769 |
| Assets per employee ($millions) | 8.7234% | 747 |
| Cash dividends to net income (ytd only)* | 26.8742% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,099 |
| Loan loss allowance to noncurrent loans | 67.5236% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.5700% | 575 |
| Noncurrent loans to loans | 2.3133% | 532 |
| Net loans and leases to total assets | 66.8077% | 2,520 |
| Net loans and leases to deposits | 78.9829% | 2,545 |
| Net loans and leases to core deposits | 87.3573% | 2,318 |
| Total domestic deposits to total assets | 84.5851% | 2,535 |
| Equity capital to assets | 14.8377% | 653 |
| Core capital (leverage) ratio | 13.7347% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5853% | 1,345 |
| Memoranda: | ||
| Average total assets | $391,383,667 | 1,843 |
| Average earning assets | $361,343,667 | 1,852 |
| Average equity | $60,193,000 | 1,426 |
| Average total loans | $276,764,333 | 1,759 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 927 |
| Cost of funding earning assets | 0.8107% | 2,322 |
| Net interest margin | 4.2089% | 904 |
| Noninterest income to average assets | 0.2552% | 4,016 |
| Noninterest expense to average assets | 1.9856% | 4,424 |
| Loan and lease loss provision to assets | 0.2912% | 1,062 |
| Net operating income to assets | 1.8437% | 377 |
| Return on assets (ROA) | 1.8437% | 420 |
| Pretax return on assets | 1.8437% | 641 |
| Return on Equity (ROE) | 11.7585% | 1,177 |
| Retained earnings to average equity (ytd only) | 11.7585% | 450 |
| Net charge-offs to loans | -0.0586% | 4,684 |
| Credit loss provision to net charge-offs | -687.5000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1881% | 4,750 |
| Assets per employee ($millions) | 7.5790% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 1,689 |
| Loan loss allowance to noncurrent loans | 51.0385% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.9804% | 426 |
| Noncurrent loans to loans | 2.7476% | 419 |
| Net loans and leases to total assets | 71.0678% | 2,079 |
| Net loans and leases to deposits | 84.8025% | 2,129 |
| Net loans and leases to core deposits | 93.9903% | 1,979 |
| Total domestic deposits to total assets | 83.8039% | 2,853 |
| Equity capital to assets | 15.5887% | 655 |
| Core capital (leverage) ratio | 14.6711% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6373% | 1,204 |
| Memoranda: | ||
| Average total assets | $377,713,500 | 1,856 |
| Average earning assets | $346,881,500 | 1,864 |
| Average equity | $59,225,000 | 1,431 |
| Average total loans | $273,057,000 | 1,745 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2076% | 976 |
| Cost of funding earning assets | 0.6904% | 3,207 |
| Net interest margin | 4.5172% | 696 |
| Noninterest income to average assets | 0.2859% | 3,973 |
| Noninterest expense to average assets | 2.2224% | 4,115 |
| Loan and lease loss provision to assets | 0.1850% | 1,114 |
| Net operating income to assets | 2.0038% | 349 |
| Return on assets (ROA) | 1.9712% | 396 |
| Pretax return on assets | 1.9712% | 637 |
| Return on Equity (ROE) | 12.2310% | 1,424 |
| Retained earnings to average equity (ytd only) | 7.7821% | 1,047 |
| Net charge-offs to loans | 0.0861% | 1,890 |
| Credit loss provision to net charge-offs | 303.3175% | 914 |
| Earnings coverage of net charge-offs (x) | 35.8815% | 1,402 |
| Efficiency ratio | 50.3801% | 4,714 |
| Assets per employee ($millions) | 6.9603% | 1,052 |
| Cash dividends to net income (ytd only)* | 36.3743% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,736 |
| Loan loss allowance to noncurrent loans | 53.1125% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.8333% | 465 |
| Noncurrent loans to loans | 2.5281% | 423 |
| Net loans and leases to total assets | 71.5421% | 2,163 |
| Net loans and leases to deposits | 85.6328% | 2,140 |
| Net loans and leases to core deposits | 94.2571% | 2,036 |
| Total domestic deposits to total assets | 83.5452% | 3,007 |
| Equity capital to assets | 15.7754% | 642 |
| Core capital (leverage) ratio | 14.2237% | 871 |
| Tier 1 risk-based capital ratio | 16.4629% | 2,230 |
| Total risk-based capital ratio | 17.6065% | 2,214 |
| Memoranda: | ||
| Average total assets | $345,885,800 | 1,927 |
| Average earning assets | $315,882,800 | 1,940 |
| Average equity | $55,743,600 | 1,450 |
| Average total loans | $244,941,200 | 1,855 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1608% | 1,126 |
| Cost of funding earning assets | 0.6305% | 3,532 |
| Net interest margin | 4.5303% | 717 |
| Noninterest income to average assets | 0.2865% | 4,016 |
| Noninterest expense to average assets | 2.2054% | 4,168 |
| Loan and lease loss provision to assets | 0.1737% | 1,062 |
| Net operating income to assets | 2.0392% | 372 |
| Return on assets (ROA) | 1.9949% | 417 |
| Pretax return on assets | 1.9949% | 695 |
| Return on Equity (ROE) | 12.3074% | 1,510 |
| Retained earnings to average equity (ytd only) | 9.3085% | 957 |
| Net charge-offs to loans | 0.0735% | 1,770 |
| Credit loss provision to net charge-offs | 335.6061% | 881 |
| Earnings coverage of net charge-offs (x) | 42.7641% | 1,310 |
| Efficiency ratio | 49.9157% | 4,751 |
| Assets per employee ($millions) | 6.8118% | 1,109 |
| Cash dividends to net income (ytd only)* | 24.3663% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 1,838 |
| Loan loss allowance to noncurrent loans | 45.7708% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 2.0634% | 411 |
| Noncurrent loans to loans | 2.9060% | 350 |
| Net loans and leases to total assets | 70.0610% | 2,462 |
| Net loans and leases to deposits | 85.2365% | 2,291 |
| Net loans and leases to core deposits | 92.5207% | 2,318 |
| Total domestic deposits to total assets | 82.1961% | 3,416 |
| Equity capital to assets | 15.6869% | 701 |
| Core capital (leverage) ratio | 14.6682% | 821 |
| Tier 1 risk-based capital ratio | 16.6864% | 2,190 |
| Total risk-based capital ratio | 17.8186% | 2,168 |
| Memoranda: | ||
| Average total assets | $340,133,250 | 1,959 |
| Average earning assets | $310,202,000 | 1,971 |
| Average equity | $55,130,750 | 1,468 |
| Average total loans | $239,299,500 | 1,900 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0956% | 1,229 |
| Cost of funding earning assets | 0.5708% | 3,789 |
| Net interest margin | 4.5248% | 726 |
| Noninterest income to average assets | 0.2925% | 3,983 |
| Noninterest expense to average assets | 2.2146% | 4,189 |
| Loan and lease loss provision to assets | 0.1578% | 1,150 |
| Net operating income to assets | 2.0405% | 360 |
| Return on assets (ROA) | 1.9722% | 426 |
| Pretax return on assets | 1.9722% | 716 |
| Return on Equity (ROE) | 12.0242% | 1,568 |
| Retained earnings to average equity (ytd only) | 7.4548% | 1,628 |
| Net charge-offs to loans | 0.1078% | 1,327 |
| Credit loss provision to net charge-offs | 208.8000% | 1,166 |
| Earnings coverage of net charge-offs (x) | 29.0960% | 1,501 |
| Efficiency ratio | 50.1849% | 4,772 |
| Assets per employee ($millions) | 6.0923% | 1,477 |
| Cash dividends to net income (ytd only)* | 38.0018% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 1,773 |
| Loan loss allowance to noncurrent loans | 68.3023% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.4157% | 830 |
| Noncurrent loans to loans | 1.9920% | 722 |
| Net loans and leases to total assets | 70.1043% | 2,517 |
| Net loans and leases to deposits | 86.0986% | 2,249 |
| Net loans and leases to core deposits | 107.3646% | 1,154 |
| Total domestic deposits to total assets | 81.4233% | 3,687 |
| Equity capital to assets | 16.3731% | 558 |
| Core capital (leverage) ratio | 15.2799% | 654 |
| Tier 1 risk-based capital ratio | 17.3642% | 1,979 |
| Total risk-based capital ratio | 18.5246% | 1,959 |
| Memoranda: | ||
| Average total assets | $330,899,330 | 2,001 |
| Average earning assets | $301,320,000 | 2,032 |
| Average equity | $54,273,670 | 1,478 |
| Average total loans | $232,005,000 | 1,966 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 1,315 |
| Cost of funding earning assets | 0.5289% | 3,924 |
| Net interest margin | 4.4832% | 765 |
| Noninterest income to average assets | 0.2849% | 3,969 |
| Noninterest expense to average assets | 2.1819% | 4,308 |
| Loan and lease loss provision to assets | 0.1842% | 894 |
| Net operating income to assets | 1.9990% | 384 |
| Return on assets (ROA) | 1.9499% | 434 |
| Pretax return on assets | 1.9499% | 702 |
| Return on Equity (ROE) | 11.8772% | 1,584 |
| Retained earnings to average equity (ytd only) | 11.8772% | 632 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9859% | 4,828 |
| Assets per employee ($millions) | 6.8201% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 1,515 |
| Loan loss allowance to noncurrent loans | 57.6776% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.7188% | 637 |
| Noncurrent loans to loans | 2.5109% | 519 |
| Net loans and leases to total assets | 67.4617% | 2,831 |
| Net loans and leases to deposits | 81.1965% | 2,706 |
| Net loans and leases to core deposits | 99.9898% | 1,622 |
| Total domestic deposits to total assets | 83.0845% | 3,352 |
| Equity capital to assets | 16.3203% | 529 |
| Core capital (leverage) ratio | 15.3305% | 630 |
| Tier 1 risk-based capital ratio | 18.1316% | 1,762 |
| Total risk-based capital ratio | 19.3591% | 1,725 |
| Memoranda: | ||
| Average total assets | $325,764,000 | 2,037 |
| Average earning assets | $296,487,000 | 2,070 |
| Average equity | $53,480,500 | 1,485 |
| Average total loans | $226,770,500 | 2,013 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8582% | 1,399 |
| Cost of funding earning assets | 0.4310% | 3,797 |
| Net interest margin | 4.4272% | 883 |
| Noninterest income to average assets | 0.2972% | 4,121 |
| Noninterest expense to average assets | 2.1071% | 4,548 |
| Loan and lease loss provision to assets | 0.1129% | 1,952 |
| Net operating income to assets | 2.0933% | 300 |
| Return on assets (ROA) | 2.0801% | 303 |
| Pretax return on assets | 2.0801% | 457 |
| Return on Equity (ROE) | 13.0511% | 1,327 |
| Retained earnings to average equity (ytd only) | 7.4284% | 1,494 |
| Net charge-offs to loans | 0.1310% | 1,442 |
| Credit loss provision to net charge-offs | 125.0871% | 2,097 |
| Earnings coverage of net charge-offs (x) | 24.4390% | 1,811 |
| Efficiency ratio | 48.8515% | 5,005 |
| Assets per employee ($millions) | 6.7520% | 1,092 |
| Cash dividends to net income (ytd only)* | 43.0818% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 1,610 |
| Loan loss allowance to noncurrent loans | 60.7919% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.6396% | 672 |
| Noncurrent loans to loans | 2.3147% | 544 |
| Net loans and leases to total assets | 69.8355% | 2,588 |
| Net loans and leases to deposits | 84.3453% | 2,479 |
| Net loans and leases to core deposits | 102.9034% | 1,513 |
| Total domestic deposits to total assets | 82.7972% | 3,394 |
| Equity capital to assets | 16.5187% | 463 |
| Core capital (leverage) ratio | 14.9572% | 704 |
| Tier 1 risk-based capital ratio | 18.3352% | 1,658 |
| Total risk-based capital ratio | 19.5605% | 1,618 |
| Memoranda: | ||
| Average total assets | $317,921,400 | 2,053 |
| Average earning assets | $288,396,600 | 2,084 |
| Average equity | $50,670,200 | 1,504 |
| Average total loans | $219,097,400 | 2,030 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 1,602 |
| Cost of funding earning assets | 0.4138% | 3,766 |
| Net interest margin | 4.3116% | 1,092 |
| Noninterest income to average assets | 0.2926% | 4,192 |
| Noninterest expense to average assets | 2.0804% | 4,589 |
| Loan and lease loss provision to assets | 0.1107% | 1,824 |
| Net operating income to assets | 2.0067% | 366 |
| Return on assets (ROA) | 1.9891% | 384 |
| Pretax return on assets | 1.9891% | 634 |
| Return on Equity (ROE) | 12.5945% | 1,580 |
| Retained earnings to average equity (ytd only) | 9.3085% | 1,114 |
| Net charge-offs to loans | 0.0925% | 1,574 |
| Credit loss provision to net charge-offs | 174.8344% | 1,535 |
| Earnings coverage of net charge-offs (x) | 33.4501% | 1,512 |
| Efficiency ratio | 49.5606% | 4,964 |
| Assets per employee ($millions) | 6.8714% | 989 |
| Cash dividends to net income (ytd only)* | 26.0907% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,520 |
| Loan loss allowance to noncurrent loans | 43.2721% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.2920% | 413 |
| Noncurrent loans to loans | 3.3533% | 299 |
| Net loans and leases to total assets | 67.3577% | 3,029 |
| Net loans and leases to deposits | 80.7186% | 2,958 |
| Net loans and leases to core deposits | 100.2114% | 1,773 |
| Total domestic deposits to total assets | 83.4475% | 3,143 |
| Equity capital to assets | 15.9304% | 554 |
| Core capital (leverage) ratio | 14.9836% | 707 |
| Tier 1 risk-based capital ratio | 18.0981% | 1,762 |
| Total risk-based capital ratio | 19.3298% | 1,722 |
| Memoranda: | ||
| Average total assets | $318,066,000 | 2,069 |
| Average earning assets | $288,084,750 | 2,099 |
| Average equity | $50,232,500 | 1,519 |
| Average total loans | $217,676,500 | 2,053 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 1,290 |
| Cost of funding earning assets | 0.3952% | 3,756 |
| Net interest margin | 4.3902% | 869 |
| Noninterest income to average assets | 0.3059% | 4,127 |
| Noninterest expense to average assets | 2.1123% | 4,578 |
| Loan and lease loss provision to assets | 0.0885% | 2,145 |
| Net operating income to assets | 2.0725% | 323 |
| Return on assets (ROA) | 2.0459% | 341 |
| Pretax return on assets | 2.0459% | 547 |
| Return on Equity (ROE) | 12.9929% | 1,378 |
| Retained earnings to average equity (ytd only) | 8.0237% | 1,622 |
| Net charge-offs to loans | 0.0009% | 3,187 |
| Credit loss provision to net charge-offs | 14,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 3,419.0000% | 16 |
| Efficiency ratio | 49.4306% | 5,054 |
| Assets per employee ($millions) | 6.6333% | 1,114 |
| Cash dividends to net income (ytd only)* | 38.2453% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,447 |
| Loan loss allowance to noncurrent loans | 46.7777% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 2.1687% | 461 |
| Noncurrent loans to loans | 3.1727% | 337 |
| Net loans and leases to total assets | 67.3394% | 2,971 |
| Net loans and leases to deposits | 82.2612% | 2,742 |
| Net loans and leases to core deposits | 101.4930% | 1,603 |
| Total domestic deposits to total assets | 81.8605% | 3,766 |
| Equity capital to assets | 15.8386% | 526 |
| Core capital (leverage) ratio | 14.9112% | 691 |
| Tier 1 risk-based capital ratio | 17.9903% | 1,799 |
| Total risk-based capital ratio | 19.2407% | 1,770 |
| Memoranda: | ||
| Average total assets | $316,436,330 | 2,087 |
| Average earning assets | $285,957,670 | 2,125 |
| Average equity | $49,827,330 | 1,530 |
| Average total loans | $216,656,000 | 2,066 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 1,207 |
| Cost of funding earning assets | 0.3769% | 3,758 |
| Net interest margin | 4.3639% | 827 |
| Noninterest income to average assets | 0.2409% | 4,561 |
| Noninterest expense to average assets | 2.1379% | 4,561 |
| Loan and lease loss provision to assets | 0.0380% | 2,989 |
| Net operating income to assets | 2.0149% | 363 |
| Return on assets (ROA) | 2.0149% | 363 |
| Pretax return on assets | 2.0149% | 558 |
| Return on Equity (ROE) | 12.8337% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.8337% | 547 |
| Net charge-offs to loans | 0.0407% | 1,720 |
| Credit loss provision to net charge-offs | 136.3636% | 1,290 |
| Earnings coverage of net charge-offs (x) | 73.5909% | 745 |
| Efficiency ratio | 51.0136% | 5,023 |
| Assets per employee ($millions) | 6.5933% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,695 |
| Loan loss allowance to noncurrent loans | 171.6898% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9719% | 1,621 |
| Noncurrent loans to loans | 0.8381% | 2,141 |
| Net loans and leases to total assets | 67.0693% | 2,884 |
| Net loans and leases to deposits | 81.0147% | 2,695 |
| Net loans and leases to core deposits | 100.4424% | 1,653 |
| Total domestic deposits to total assets | 82.7866% | 3,727 |
| Equity capital to assets | 15.8263% | 516 |
| Core capital (leverage) ratio | 14.7065% | 712 |
| Tier 1 risk-based capital ratio | 18.0951% | 1,808 |
| Total risk-based capital ratio | 19.3390% | 1,761 |
| Memoranda: | ||
| Average total assets | $315,455,000 | 2,105 |
| Average earning assets | $285,523,500 | 2,150 |
| Average equity | $49,526,000 | 1,546 |
| Average total loans | $216,165,000 | 2,070 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 1,775 |
| Cost of funding earning assets | 0.3910% | 3,326 |
| Net interest margin | 4.0911% | 1,475 |
| Noninterest income to average assets | 0.2952% | 4,344 |
| Noninterest expense to average assets | 2.0240% | 4,922 |
| Loan and lease loss provision to assets | 0.1236% | 1,855 |
| Net operating income to assets | 1.8559% | 368 |
| Return on assets (ROA) | 1.8516% | 376 |
| Pretax return on assets | 1.8516% | 687 |
| Return on Equity (ROE) | 12.0737% | 1,193 |
| Retained earnings to average equity (ytd only) | 9.9642% | 352 |
| Net charge-offs to loans | 0.0158% | 3,565 |
| Credit loss provision to net charge-offs | 1,151.5152% | 320 |
| Earnings coverage of net charge-offs (x) | 184.4848% | 421 |
| Efficiency ratio | 50.3614% | 5,200 |
| Assets per employee ($millions) | 6.5506% | 1,184 |
| Cash dividends to net income (ytd only)* | 17.4715% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 1,633 |
| Loan loss allowance to noncurrent loans | 166.7024% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.0059% | 1,527 |
| Noncurrent loans to loans | 0.8609% | 2,077 |
| Net loans and leases to total assets | 68.0139% | 2,815 |
| Net loans and leases to deposits | 81.9070% | 2,725 |
| Net loans and leases to core deposits | 101.6861% | 1,572 |
| Total domestic deposits to total assets | 83.0379% | 3,552 |
| Equity capital to assets | 15.5726% | 576 |
| Core capital (leverage) ratio | 14.3397% | 764 |
| Tier 1 risk-based capital ratio | 17.0952% | 2,059 |
| Total risk-based capital ratio | 18.3098% | 2,027 |
| Memoranda: | ||
| Average total assets | $307,565,200 | 2,131 |
| Average earning assets | $278,775,600 | 2,165 |
| Average equity | $47,168,800 | 1,595 |
| Average total loans | $208,573,600 | 2,090 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 1,810 |
| Cost of funding earning assets | 0.3976% | 3,223 |
| Net interest margin | 4.0460% | 1,556 |
| Noninterest income to average assets | 0.2934% | 4,435 |
| Noninterest expense to average assets | 2.0136% | 4,925 |
| Loan and lease loss provision to assets | 0.1391% | 1,532 |
| Net operating income to assets | 1.8096% | 462 |
| Return on assets (ROA) | 1.8074% | 473 |
| Pretax return on assets | 1.8074% | 875 |
| Return on Equity (ROE) | 11.8320% | 1,387 |
| Retained earnings to average equity (ytd only) | 10.4050% | 504 |
| Net charge-offs to loans | 0.0220% | 3,030 |
| Credit loss provision to net charge-offs | 938.2353% | 372 |
| Earnings coverage of net charge-offs (x) | 131.4769% | 587 |
| Efficiency ratio | 50.6216% | 5,207 |
| Assets per employee ($millions) | 6.4710% | 1,202 |
| Cash dividends to net income (ytd only)* | 12.0598% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,607 |
| Loan loss allowance to noncurrent loans | 93.5909% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.3844% | 1,130 |
| Noncurrent loans to loans | 1.5817% | 1,174 |
| Net loans and leases to total assets | 65.3924% | 3,192 |
| Net loans and leases to deposits | 78.0154% | 3,160 |
| Net loans and leases to core deposits | 96.0259% | 2,072 |
| Total domestic deposits to total assets | 83.8198% | 3,187 |
| Equity capital to assets | 15.6216% | 613 |
| Core capital (leverage) ratio | 14.1423% | 853 |
| Tier 1 risk-based capital ratio | 17.6071% | 1,973 |
| Total risk-based capital ratio | 18.8574% | 1,913 |
| Memoranda: | ||
| Average total assets | $305,849,000 | 2,153 |
| Average earning assets | $277,337,250 | 2,186 |
| Average equity | $46,719,750 | 1,624 |
| Average total loans | $206,474,500 | 2,117 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 1,595 |
| Cost of funding earning assets | 0.4020% | 3,051 |
| Net interest margin | 4.0705% | 1,405 |
| Noninterest income to average assets | 0.2978% | 4,407 |
| Noninterest expense to average assets | 2.0193% | 4,931 |
| Loan and lease loss provision to assets | 0.1630% | 1,226 |
| Net operating income to assets | 1.8024% | 449 |
| Return on assets (ROA) | 1.8030% | 463 |
| Pretax return on assets | 1.8030% | 832 |
| Return on Equity (ROE) | 11.8953% | 1,332 |
| Retained earnings to average equity (ytd only) | 9.7270% | 638 |
| Net charge-offs to loans | 0.0019% | 3,450 |
| Credit loss provision to net charge-offs | 12,400.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,495.0000% | 36 |
| Efficiency ratio | 50.4784% | 5,277 |
| Assets per employee ($millions) | 6.2712% | 1,271 |
| Cash dividends to net income (ytd only)* | 18.2282% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 1,622 |
| Loan loss allowance to noncurrent loans | 86.8763% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.4610% | 1,061 |
| Noncurrent loans to loans | 1.7121% | 1,065 |
| Net loans and leases to total assets | 66.2707% | 3,064 |
| Net loans and leases to deposits | 79.0980% | 3,013 |
| Net loans and leases to core deposits | 96.8882% | 1,898 |
| Total domestic deposits to total assets | 83.7830% | 3,291 |
| Equity capital to assets | 15.7031% | 569 |
| Core capital (leverage) ratio | 14.0988% | 836 |
| Tier 1 risk-based capital ratio | 17.1762% | 2,111 |
| Total risk-based capital ratio | 18.4261% | 2,054 |
| Memoranda: | ||
| Average total assets | $304,262,670 | 2,170 |
| Average earning assets | $275,590,000 | 2,195 |
| Average equity | $46,119,000 | 1,646 |
| Average total loans | $206,577,330 | 2,112 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 1,392 |
| Cost of funding earning assets | 0.4189% | 2,824 |
| Net interest margin | 4.0721% | 1,293 |
| Noninterest income to average assets | 0.3112% | 4,324 |
| Noninterest expense to average assets | 1.9001% | 5,241 |
| Loan and lease loss provision to assets | 0.1543% | 1,185 |
| Net operating income to assets | 1.9432% | 335 |
| Return on assets (ROA) | 1.9445% | 347 |
| Pretax return on assets | 1.9445% | 563 |
| Return on Equity (ROE) | 13.0599% | 987 |
| Retained earnings to average equity (ytd only) | 13.0599% | 373 |
| Net charge-offs to loans | -0.0326% | 4,969 |
| Credit loss provision to net charge-offs | -694.1176% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3340% | 5,492 |
| Assets per employee ($millions) | 6.4478% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 2,045 |
| Loan loss allowance to noncurrent loans | 113.4480% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.1427% | 1,544 |
| Noncurrent loans to loans | 1.2395% | 1,633 |
| Net loans and leases to total assets | 67.1414% | 2,794 |
| Net loans and leases to deposits | 80.2301% | 2,719 |
| Net loans and leases to core deposits | 99.0985% | 1,574 |
| Total domestic deposits to total assets | 83.6860% | 3,586 |
| Equity capital to assets | 15.3257% | 591 |
| Core capital (leverage) ratio | 13.7409% | 905 |
| Tier 1 risk-based capital ratio | 17.2608% | 2,107 |
| Total risk-based capital ratio | 18.4820% | 2,058 |
| Memoranda: | ||
| Average total assets | $305,885,500 | 2,167 |
| Average earning assets | $276,905,500 | 2,206 |
| Average equity | $45,544,000 | 1,664 |
| Average total loans | $208,617,000 | 2,113 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 1,663 |
| Cost of funding earning assets | 0.4435% | 2,587 |
| Net interest margin | 4.0134% | 1,595 |
| Noninterest income to average assets | 0.2571% | 4,882 |
| Noninterest expense to average assets | 2.0518% | 5,092 |
| Loan and lease loss provision to assets | 0.1640% | 1,506 |
| Net operating income to assets | 1.6782% | 577 |
| Return on assets (ROA) | 1.6896% | 585 |
| Pretax return on assets | 1.6896% | 1,027 |
| Return on Equity (ROE) | 11.5425% | 1,381 |
| Retained earnings to average equity (ytd only) | 9.8185% | 441 |
| Net charge-offs to loans | 0.0612% | 2,835 |
| Credit loss provision to net charge-offs | 387.3016% | 814 |
| Earnings coverage of net charge-offs (x) | 43.5079% | 1,109 |
| Efficiency ratio | 52.4853% | 5,350 |
| Assets per employee ($millions) | 6.5686% | 1,115 |
| Cash dividends to net income (ytd only)* | 14.9364% | 3,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 2,480 |
| Loan loss allowance to noncurrent loans | 114.9564% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0728% | 1,759 |
| Noncurrent loans to loans | 1.1415% | 1,794 |
| Net loans and leases to total assets | 67.4049% | 2,869 |
| Net loans and leases to deposits | 80.9828% | 2,782 |
| Net loans and leases to core deposits | 99.4718% | 1,664 |
| Total domestic deposits to total assets | 83.2336% | 3,684 |
| Equity capital to assets | 14.4608% | 744 |
| Core capital (leverage) ratio | 13.1570% | 1,080 |
| Tier 1 risk-based capital ratio | 16.6383% | 2,294 |
| Total risk-based capital ratio | 17.8030% | 2,270 |
| Memoranda: | ||
| Average total assets | $297,588,400 | 2,180 |
| Average earning assets | $269,671,800 | 2,213 |
| Average equity | $43,560,600 | 1,703 |
| Average total loans | $205,991,800 | 2,071 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 1,683 |
| Cost of funding earning assets | 0.4410% | 2,627 |
| Net interest margin | 4.0134% | 1,612 |
| Noninterest income to average assets | 0.2343% | 5,070 |
| Noninterest expense to average assets | 2.0605% | 5,086 |
| Loan and lease loss provision to assets | 0.1637% | 1,398 |
| Net operating income to assets | 1.6530% | 656 |
| Return on assets (ROA) | 1.6684% | 676 |
| Pretax return on assets | 1.6684% | 1,203 |
| Return on Equity (ROE) | 11.3619% | 1,534 |
| Retained earnings to average equity (ytd only) | 10.2069% | 538 |
| Net charge-offs to loans | 0.0664% | 2,386 |
| Credit loss provision to net charge-offs | 354.9020% | 919 |
| Earnings coverage of net charge-offs (x) | 39.3814% | 1,259 |
| Efficiency ratio | 52.9336% | 5,317 |
| Assets per employee ($millions) | 6.4951% | 1,107 |
| Cash dividends to net income (ytd only)* | 10.1654% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,747 |
| Loan loss allowance to noncurrent loans | 90.8316% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.2576% | 1,556 |
| Noncurrent loans to loans | 1.4196% | 1,538 |
| Net loans and leases to total assets | 66.8297% | 2,983 |
| Net loans and leases to deposits | 80.6116% | 2,898 |
| Net loans and leases to core deposits | 100.6433% | 1,574 |
| Total domestic deposits to total assets | 82.9033% | 3,635 |
| Equity capital to assets | 14.8203% | 783 |
| Core capital (leverage) ratio | 13.0444% | 1,174 |
| Tier 1 risk-based capital ratio | 16.5025% | 2,416 |
| Total risk-based capital ratio | 17.6430% | 2,407 |
| Memoranda: | ||
| Average total assets | $294,804,500 | 2,205 |
| Average earning assets | $267,596,750 | 2,235 |
| Average equity | $43,289,750 | 1,723 |
| Average total loans | $204,774,250 | 2,091 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 1,622 |
| Cost of funding earning assets | 0.4150% | 2,886 |
| Net interest margin | 4.0514% | 1,501 |
| Noninterest income to average assets | 0.1778% | 5,431 |
| Noninterest expense to average assets | 2.0850% | 5,092 |
| Loan and lease loss provision to assets | 0.1620% | 1,398 |
| Net operating income to assets | 1.6038% | 719 |
| Return on assets (ROA) | 1.6244% | 726 |
| Pretax return on assets | 1.6244% | 1,294 |
| Return on Equity (ROE) | 11.0978% | 1,600 |
| Retained earnings to average equity (ytd only) | 9.3389% | 762 |
| Net charge-offs to loans | 0.0568% | 2,378 |
| Credit loss provision to net charge-offs | 406.8966% | 767 |
| Earnings coverage of net charge-offs (x) | 44.3448% | 1,083 |
| Efficiency ratio | 53.9312% | 5,316 |
| Assets per employee ($millions) | 6.0089% | 1,391 |
| Cash dividends to net income (ytd only)* | 15.8495% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,973 |
| Loan loss allowance to noncurrent loans | 94.2378% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.2488% | 1,641 |
| Noncurrent loans to loans | 1.3448% | 1,675 |
| Net loans and leases to total assets | 68.3724% | 2,730 |
| Net loans and leases to deposits | 82.5906% | 2,639 |
| Net loans and leases to core deposits | 104.2689% | 1,295 |
| Total domestic deposits to total assets | 82.7847% | 3,728 |
| Equity capital to assets | 14.9034% | 751 |
| Core capital (leverage) ratio | 12.9122% | 1,189 |
| Tier 1 risk-based capital ratio | 15.8580% | 2,711 |
| Total risk-based capital ratio | 16.9586% | 2,714 |
| Memoranda: | ||
| Average total assets | $291,316,000 | 2,236 |
| Average earning assets | $264,108,000 | 2,269 |
| Average equity | $42,639,000 | 1,746 |
| Average total loans | $204,140,330 | 2,104 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 1,536 |
| Cost of funding earning assets | 0.3753% | 3,350 |
| Net interest margin | 4.1147% | 1,298 |
| Noninterest income to average assets | 0.0497% | 5,967 |
| Noninterest expense to average assets | 2.0818% | 5,151 |
| Loan and lease loss provision to assets | 0.1601% | 1,298 |
| Net operating income to assets | 1.5309% | 806 |
| Return on assets (ROA) | 1.5696% | 784 |
| Pretax return on assets | 1.5696% | 1,378 |
| Return on Equity (ROE) | 10.8239% | 1,670 |
| Retained earnings to average equity (ytd only) | 10.8239% | 686 |
| Net charge-offs to loans | 0.0587% | 1,920 |
| Credit loss provision to net charge-offs | 386.6667% | 726 |
| Earnings coverage of net charge-offs (x) | 40.8333% | 1,000 |
| Efficiency ratio | 54.9579% | 5,290 |
| Assets per employee ($millions) | 6.6719% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 3,368 |
| Loan loss allowance to noncurrent loans | 122.2877% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 1,937 |
| Noncurrent loans to loans | 0.9968% | 2,393 |
| Net loans and leases to total assets | 68.7645% | 2,532 |
| Net loans and leases to deposits | 84.5173% | 2,249 |
| Net loans and leases to core deposits | 110.0183% | 852 |
| Total domestic deposits to total assets | 81.3614% | 4,389 |
| Equity capital to assets | 14.5826% | 812 |
| Core capital (leverage) ratio | 12.9235% | 1,188 |
| Tier 1 risk-based capital ratio | 15.7561% | 2,805 |
| Total risk-based capital ratio | 16.8350% | 2,802 |
| Memoranda: | ||
| Average total assets | $289,756,000 | 2,248 |
| Average earning assets | $262,184,500 | 2,287 |
| Average equity | $42,018,000 | 1,762 |
| Average total loans | $204,262,000 | 2,105 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 1,489 |
| Cost of funding earning assets | 0.3724% | 3,455 |
| Net interest margin | 4.1658% | 1,247 |
| Noninterest income to average assets | 0.0331% | 6,041 |
| Noninterest expense to average assets | 2.1810% | 5,086 |
| Loan and lease loss provision to assets | 0.1722% | 1,327 |
| Net operating income to assets | 1.4003% | 1,037 |
| Return on assets (ROA) | 1.4095% | 1,063 |
| Pretax return on assets | 1.4095% | 1,860 |
| Return on Equity (ROE) | 9.6625% | 2,149 |
| Retained earnings to average equity (ytd only) | 7.7683% | 992 |
| Net charge-offs to loans | 0.2018% | 1,447 |
| Credit loss provision to net charge-offs | 121.5584% | 2,124 |
| Earnings coverage of net charge-offs (x) | 11.1013% | 2,619 |
| Efficiency ratio | 56.8320% | 5,269 |
| Assets per employee ($millions) | 6.3544% | 1,163 |
| Cash dividends to net income (ytd only)* | 19.6032% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 3,599 |
| Loan loss allowance to noncurrent loans | 108.2846% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 1,492 |
| Noncurrent loans to loans | 1.0878% | 2,165 |
| Net loans and leases to total assets | 70.5584% | 2,286 |
| Net loans and leases to deposits | 86.4154% | 2,072 |
| Net loans and leases to core deposits | 109.9066% | 857 |
| Total domestic deposits to total assets | 81.6502% | 4,283 |
| Equity capital to assets | 14.4176% | 792 |
| Core capital (leverage) ratio | 12.6731% | 1,275 |
| Tier 1 risk-based capital ratio | 15.3864% | 2,995 |
| Total risk-based capital ratio | 16.4363% | 3,023 |
| Memoranda: | ||
| Average total assets | $271,807,400 | 2,326 |
| Average earning assets | $242,739,200 | 2,397 |
| Average equity | $39,648,200 | 1,812 |
| Average total loans | $190,754,200 | 2,151 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 1,448 |
| Cost of funding earning assets | 0.3716% | 3,530 |
| Net interest margin | 4.1790% | 1,214 |
| Noninterest income to average assets | -0.0353% | 6,215 |
| Noninterest expense to average assets | 2.2911% | 4,802 |
| Loan and lease loss provision to assets | 0.1198% | 1,901 |
| Net operating income to assets | 1.2758% | 1,408 |
| Return on assets (ROA) | 1.2847% | 1,434 |
| Pretax return on assets | 1.2847% | 2,451 |
| Return on Equity (ROE) | 8.7803% | 2,687 |
| Retained earnings to average equity (ytd only) | 7.5066% | 1,442 |
| Net charge-offs to loans | 0.1587% | 1,555 |
| Credit loss provision to net charge-offs | 108.0717% | 2,140 |
| Earnings coverage of net charge-offs (x) | 12.5918% | 2,394 |
| Efficiency ratio | 60.4745% | 4,818 |
| Assets per employee ($millions) | 6.4011% | 1,118 |
| Cash dividends to net income (ytd only)* | 14.5068% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 3,537 |
| Loan loss allowance to noncurrent loans | 60.8266% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 2.0618% | 975 |
| Noncurrent loans to loans | 2.0079% | 1,151 |
| Net loans and leases to total assets | 67.1937% | 2,822 |
| Net loans and leases to deposits | 82.0106% | 2,645 |
| Net loans and leases to core deposits | 105.4082% | 1,140 |
| Total domestic deposits to total assets | 81.9329% | 4,185 |
| Equity capital to assets | 14.3700% | 894 |
| Core capital (leverage) ratio | 12.5210% | 1,407 |
| Tier 1 risk-based capital ratio | 15.3996% | 3,094 |
| Total risk-based capital ratio | 16.4480% | 3,127 |
| Memoranda: | ||
| Average total assets | $268,272,000 | 2,370 |
| Average earning assets | $238,934,250 | 2,448 |
| Average equity | $39,253,500 | 1,845 |
| Average total loans | $187,401,250 | 2,197 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5957% | 1,293 |
| Cost of funding earning assets | 0.3645% | 3,656 |
| Net interest margin | 4.2312% | 1,044 |
| Noninterest income to average assets | -0.1167% | 6,308 |
| Noninterest expense to average assets | 2.3380% | 4,752 |
| Loan and lease loss provision to assets | 0.1266% | 1,751 |
| Net operating income to assets | 1.1857% | 1,647 |
| Return on assets (ROA) | 1.1978% | 1,685 |
| Pretax return on assets | 1.1978% | 2,783 |
| Return on Equity (ROE) | 8.1345% | 2,972 |
| Retained earnings to average equity (ytd only) | 6.2038% | 2,111 |
| Net charge-offs to loans | 0.2355% | 1,101 |
| Credit loss provision to net charge-offs | 76.2557% | 2,379 |
| Earnings coverage of net charge-offs (x) | 7.9041% | 2,613 |
| Efficiency ratio | 62.3261% | 4,630 |
| Assets per employee ($millions) | 5.5693% | 1,682 |
| Cash dividends to net income (ytd only)* | 23.7342% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 3,819 |
| Loan loss allowance to noncurrent loans | 98.0985% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.6624% | 1,440 |
| Noncurrent loans to loans | 1.2187% | 2,215 |
| Net loans and leases to total assets | 70.1797% | 2,286 |
| Net loans and leases to deposits | 86.2355% | 2,030 |
| Net loans and leases to core deposits | 109.2370% | 879 |
| Total domestic deposits to total assets | 81.3815% | 4,493 |
| Equity capital to assets | 14.6305% | 791 |
| Core capital (leverage) ratio | 12.8676% | 1,229 |
| Tier 1 risk-based capital ratio | 15.1232% | 3,287 |
| Total risk-based capital ratio | 16.1525% | 3,344 |
| Memoranda: | ||
| Average total assets | $263,812,670 | 2,425 |
| Average earning assets | $234,872,330 | 2,500 |
| Average equity | $38,847,000 | 1,870 |
| Average total loans | $186,004,670 | 2,216 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 1,234 |
| Cost of funding earning assets | 0.3566% | 3,788 |
| Net interest margin | 4.2380% | 997 |
| Noninterest income to average assets | 0.0992% | 6,086 |
| Noninterest expense to average assets | 2.2804% | 4,932 |
| Loan and lease loss provision to assets | 0.1435% | 1,422 |
| Net operating income to assets | 1.4669% | 909 |
| Return on assets (ROA) | 1.4913% | 916 |
| Pretax return on assets | 1.4913% | 1,591 |
| Return on Equity (ROE) | 10.0943% | 1,962 |
| Retained earnings to average equity (ytd only) | 10.0943% | 902 |
| Net charge-offs to loans | 0.2260% | 1,039 |
| Credit loss provision to net charge-offs | 90.3846% | 1,738 |
| Earnings coverage of net charge-offs (x) | 10.1442% | 1,953 |
| Efficiency ratio | 57.0027% | 5,436 |
| Assets per employee ($millions) | 5.5777% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 3,741 |
| Loan loss allowance to noncurrent loans | 112.0155% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 2.0778% | 1,119 |
| Noncurrent loans to loans | 1.1069% | 2,553 |
| Net loans and leases to total assets | 70.2495% | 2,105 |
| Net loans and leases to deposits | 86.6832% | 1,755 |
| Net loans and leases to core deposits | 110.1197% | 740 |
| Total domestic deposits to total assets | 81.0417% | 4,812 |
| Equity capital to assets | 15.0316% | 708 |
| Core capital (leverage) ratio | 12.9706% | 1,165 |
| Tier 1 risk-based capital ratio | 15.6147% | 3,096 |
| Total risk-based capital ratio | 16.7051% | 3,109 |
| Memoranda: | ||
| Average total assets | $262,056,500 | 2,455 |
| Average earning assets | $234,448,500 | 2,515 |
| Average equity | $38,715,000 | 1,890 |
| Average total loans | $184,068,000 | 2,241 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 1,467 |
| Cost of funding earning assets | 0.3662% | 4,073 |
| Net interest margin | 4.2670% | 1,117 |
| Noninterest income to average assets | -0.0347% | 6,423 |
| Noninterest expense to average assets | 2.3439% | 4,990 |
| Loan and lease loss provision to assets | 0.0968% | 2,535 |
| Net operating income to assets | 1.2428% | 1,457 |
| Return on assets (ROA) | 1.2428% | 1,515 |
| Pretax return on assets | 1.2428% | 2,479 |
| Return on Equity (ROE) | 8.6327% | 2,773 |
| Retained earnings to average equity (ytd only) | 7.2492% | 1,296 |
| Net charge-offs to loans | 0.2421% | 1,755 |
| Credit loss provision to net charge-offs | 60.2978% | 3,279 |
| Earnings coverage of net charge-offs (x) | 8.3449% | 2,896 |
| Efficiency ratio | 61.8363% | 4,936 |
| Assets per employee ($millions) | 5.5736% | 1,708 |
| Cash dividends to net income (ytd only)* | 16.0256% | 3,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 3,552 |
| Loan loss allowance to noncurrent loans | 98.6825% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 2.2820% | 1,054 |
| Noncurrent loans to loans | 1.2953% | 2,285 |
| Net loans and leases to total assets | 68.4611% | 2,496 |
| Net loans and leases to deposits | 84.0138% | 2,214 |
| Net loans and leases to core deposits | 105.2811% | 1,058 |
| Total domestic deposits to total assets | 81.4879% | 4,601 |
| Equity capital to assets | 14.5152% | 805 |
| Core capital (leverage) ratio | 12.5389% | 1,339 |
| Tier 1 risk-based capital ratio | 16.2430% | 2,839 |
| Total risk-based capital ratio | 17.4214% | 2,818 |
| Memoranda: | ||
| Average total assets | $251,039,000 | 2,514 |
| Average earning assets | $218,747,000 | 2,635 |
| Average equity | $36,141,800 | 1,943 |
| Average total loans | $166,443,000 | 2,360 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 1,552 |
| Cost of funding earning assets | 0.3665% | 4,169 |
| Net interest margin | 4.2370% | 1,187 |
| Noninterest income to average assets | -0.1697% | 6,547 |
| Noninterest expense to average assets | 2.3921% | 4,857 |
| Loan and lease loss provision to assets | 0.0859% | 2,640 |
| Net operating income to assets | 1.0207% | 2,365 |
| Return on assets (ROA) | 1.0207% | 2,419 |
| Pretax return on assets | 1.0207% | 3,517 |
| Return on Equity (ROE) | 7.1054% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.1710% | 2,291 |
| Net charge-offs to loans | 0.3066% | 1,295 |
| Credit loss provision to net charge-offs | 42.7807% | 3,243 |
| Earnings coverage of net charge-offs (x) | 5.5107% | 3,246 |
| Efficiency ratio | 66.4672% | 4,143 |
| Assets per employee ($millions) | 5.4021% | 1,814 |
| Cash dividends to net income (ytd only)* | 13.1512% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 3,300 |
| Loan loss allowance to noncurrent loans | 34.3324% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 5.3978% | 292 |
| Noncurrent loans to loans | 3.9892% | 535 |
| Net loans and leases to total assets | 64.3281% | 3,138 |
| Net loans and leases to deposits | 79.0430% | 2,835 |
| Net loans and leases to core deposits | 97.4273% | 1,558 |
| Total domestic deposits to total assets | 81.3836% | 4,703 |
| Equity capital to assets | 14.5786% | 835 |
| Core capital (leverage) ratio | 12.5505% | 1,382 |
| Tier 1 risk-based capital ratio | 16.3417% | 2,879 |
| Total risk-based capital ratio | 17.5374% | 2,860 |
| Memoranda: | ||
| Average total assets | $248,309,000 | 2,553 |
| Average earning assets | $214,991,250 | 2,677 |
| Average equity | $35,671,250 | 1,973 |
| Average total loans | $162,638,250 | 2,413 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 1,466 |
| Cost of funding earning assets | 0.3674% | 4,235 |
| Net interest margin | 4.2559% | 1,126 |
| Noninterest income to average assets | 0.2727% | 5,251 |
| Noninterest expense to average assets | 2.7609% | 3,659 |
| Loan and lease loss provision to assets | 0.0690% | 2,890 |
| Net operating income to assets | 1.1094% | 1,903 |
| Return on assets (ROA) | 1.1094% | 1,978 |
| Pretax return on assets | 1.1094% | 3,070 |
| Return on Equity (ROE) | 7.7619% | 3,226 |
| Retained earnings to average equity (ytd only) | 6.3424% | 2,127 |
| Net charge-offs to loans | 0.4714% | 857 |
| Credit loss provision to net charge-offs | 22.3097% | 3,169 |
| Earnings coverage of net charge-offs (x) | 3.8110% | 3,214 |
| Efficiency ratio | 68.3766% | 3,940 |
| Assets per employee ($millions) | 5.2021% | 1,965 |
| Cash dividends to net income (ytd only)* | 18.2882% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 3,736 |
| Loan loss allowance to noncurrent loans | 52.3593% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 5.1678% | 340 |
| Noncurrent loans to loans | 2.5273% | 1,225 |
| Net loans and leases to total assets | 65.2813% | 2,866 |
| Net loans and leases to deposits | 80.1727% | 2,497 |
| Net loans and leases to core deposits | 98.2971% | 1,421 |
| Total domestic deposits to total assets | 81.4258% | 4,832 |
| Equity capital to assets | 14.5230% | 814 |
| Core capital (leverage) ratio | 12.7492% | 1,265 |
| Tier 1 risk-based capital ratio | 16.1520% | 3,005 |
| Total risk-based capital ratio | 17.3126% | 2,995 |
| Memoranda: | ||
| Average total assets | $246,445,330 | 2,576 |
| Average earning assets | $212,318,000 | 2,715 |
| Average equity | $35,223,330 | 1,982 |
| Average total loans | $161,652,000 | 2,430 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 1,401 |
| Cost of funding earning assets | 0.3683% | 4,338 |
| Net interest margin | 4.2716% | 1,061 |
| Noninterest income to average assets | 0.1748% | 5,923 |
| Noninterest expense to average assets | 2.7433% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1078% | 1,785 |
| Return on assets (ROA) | 1.1143% | 1,817 |
| Pretax return on assets | 1.1143% | 2,833 |
| Return on Equity (ROE) | 7.8610% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.8610% | 1,651 |
| Net charge-offs to loans | 0.9657% | 352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.7565% | 3,023 |
| Efficiency ratio | 69.4951% | 3,913 |
| Assets per employee ($millions) | 5.9210% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 4,023 |
| Loan loss allowance to noncurrent loans | 31.3350% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 6.0866% | 273 |
| Noncurrent loans to loans | 4.2056% | 618 |
| Net loans and leases to total assets | 64.6529% | 2,781 |
| Net loans and leases to deposits | 77.5765% | 2,618 |
| Net loans and leases to core deposits | 93.6943% | 1,577 |
| Total domestic deposits to total assets | 83.3408% | 4,489 |
| Equity capital to assets | 14.5513% | 774 |
| Core capital (leverage) ratio | 12.5953% | 1,340 |
| Tier 1 risk-based capital ratio | 16.4013% | 2,946 |
| Total risk-based capital ratio | 17.5493% | 2,974 |
| Memoranda: | ||
| Average total assets | $244,817,500 | 2,598 |
| Average earning assets | $210,694,000 | 2,745 |
| Average equity | $34,703,000 | 2,001 |
| Average total loans | $159,881,000 | 2,460 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 1,506 |
| Cost of funding earning assets | 0.4200% | 4,433 |
| Net interest margin | 4.3051% | 1,098 |
| Noninterest income to average assets | -0.0674% | 6,709 |
| Noninterest expense to average assets | 2.4770% | 4,842 |
| Loan and lease loss provision to assets | 0.6027% | 415 |
| Net operating income to assets | 0.5461% | 4,526 |
| Return on assets (ROA) | 0.4779% | 4,972 |
| Pretax return on assets | 0.4779% | 5,266 |
| Return on Equity (ROE) | 3.4308% | 5,354 |
| Retained earnings to average equity (ytd only) | 2.3506% | 4,570 |
| Net charge-offs to loans | 1.1409% | 478 |
| Credit loss provision to net charge-offs | 85.2440% | 2,890 |
| Earnings coverage of net charge-offs (x) | 1.6249% | 4,515 |
| Efficiency ratio | 66.4785% | 4,475 |
| Assets per employee ($millions) | 5.1432% | 2,022 |
| Cash dividends to net income (ytd only)* | 31.4861% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 2,984 |
| Loan loss allowance to noncurrent loans | 50.2327% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 5.3643% | 412 |
| Noncurrent loans to loans | 3.0744% | 1,122 |
| Net loans and leases to total assets | 64.0942% | 3,031 |
| Net loans and leases to deposits | 76.1610% | 2,947 |
| Net loans and leases to core deposits | 91.6071% | 1,834 |
| Total domestic deposits to total assets | 84.1563% | 4,106 |
| Equity capital to assets | 13.8050% | 963 |
| Core capital (leverage) ratio | 11.8276% | 1,737 |
| Tier 1 risk-based capital ratio | 15.8113% | 3,196 |
| Total risk-based capital ratio | 17.0623% | 3,149 |
| Memoranda: | ||
| Average total assets | $249,213,400 | 2,535 |
| Average earning assets | $213,795,200 | 2,680 |
| Average equity | $34,714,800 | 1,985 |
| Average total loans | $154,436,000 | 2,497 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 1,617 |
| Cost of funding earning assets | 0.4270% | 4,529 |
| Net interest margin | 4.2652% | 1,171 |
| Noninterest income to average assets | -0.0512% | 6,792 |
| Noninterest expense to average assets | 2.5855% | 4,442 |
| Loan and lease loss provision to assets | 0.4014% | 750 |
| Net operating income to assets | 0.6197% | 4,257 |
| Return on assets (ROA) | 0.5540% | 4,711 |
| Pretax return on assets | 0.5540% | 5,192 |
| Return on Equity (ROE) | 3.9686% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.9686% | 3,870 |
| Net charge-offs to loans | 0.9289% | 624 |
| Credit loss provision to net charge-offs | 70.6103% | 3,059 |
| Earnings coverage of net charge-offs (x) | 1.7962% | 4,236 |
| Efficiency ratio | 69.8535% | 3,777 |
| Assets per employee ($millions) | 5.2838% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 3,189 |
| Loan loss allowance to noncurrent loans | 32.6435% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 6.0275% | 399 |
| Noncurrent loans to loans | 4.7754% | 654 |
| Net loans and leases to total assets | 60.4810% | 3,624 |
| Net loans and leases to deposits | 71.7080% | 3,548 |
| Net loans and leases to core deposits | 86.4945% | 2,350 |
| Total domestic deposits to total assets | 84.3435% | 4,048 |
| Equity capital to assets | 13.5597% | 1,097 |
| Core capital (leverage) ratio | 11.9452% | 1,705 |
| Tier 1 risk-based capital ratio | 16.1525% | 3,103 |
| Total risk-based capital ratio | 17.4034% | 3,065 |
| Memoranda: | ||
| Average total assets | $249,798,250 | 2,545 |
| Average earning assets | $214,225,500 | 2,693 |
| Average equity | $34,873,250 | 1,994 |
| Average total loans | $152,866,500 | 2,530 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 1,864 |
| Cost of funding earning assets | 0.4356% | 4,597 |
| Net interest margin | 4.1615% | 1,374 |
| Noninterest income to average assets | 0.3774% | 4,685 |
| Noninterest expense to average assets | 2.9647% | 3,106 |
| Loan and lease loss provision to assets | 0.4040% | 765 |
| Net operating income to assets | 0.5682% | 4,464 |
| Return on assets (ROA) | 0.5046% | 4,946 |
| Pretax return on assets | 0.5046% | 5,357 |
| Return on Equity (ROE) | 3.5793% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.5793% | 4,041 |
| Net charge-offs to loans | 1.4037% | 395 |
| Credit loss provision to net charge-offs | 47.0919% | 3,269 |
| Earnings coverage of net charge-offs (x) | 1.1332% | 4,159 |
| Efficiency ratio | 73.6100% | 3,204 |
| Assets per employee ($millions) | 5.1281% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 3,890 |
| Loan loss allowance to noncurrent loans | 33.2468% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 5.9862% | 458 |
| Noncurrent loans to loans | 4.3042% | 846 |
| Net loans and leases to total assets | 60.9470% | 3,493 |
| Net loans and leases to deposits | 72.5780% | 3,367 |
| Net loans and leases to core deposits | 87.8683% | 2,121 |
| Total domestic deposits to total assets | 83.9744% | 4,327 |
| Equity capital to assets | 13.9431% | 986 |
| Core capital (leverage) ratio | 12.1214% | 1,552 |
| Tier 1 risk-based capital ratio | 15.9578% | 3,217 |
| Total risk-based capital ratio | 17.1599% | 3,192 |
| Memoranda: | ||
| Average total assets | $248,524,330 | 2,567 |
| Average earning assets | $212,569,000 | 2,713 |
| Average equity | $35,034,330 | 1,984 |
| Average total loans | $151,881,670 | 2,543 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 2,116 |
| Cost of funding earning assets | 0.4559% | 4,529 |
| Net interest margin | 4.0583% | 1,594 |
| Noninterest income to average assets | 0.3844% | 4,584 |
| Noninterest expense to average assets | 2.7824% | 3,758 |
| Loan and lease loss provision to assets | 0.4005% | 773 |
| Net operating income to assets | 0.6664% | 3,865 |
| Return on assets (ROA) | 0.6215% | 4,270 |
| Pretax return on assets | 0.6215% | 4,871 |
| Return on Equity (ROE) | 4.3853% | 4,906 |
| Retained earnings to average equity (ytd only) | 4.3853% | 3,605 |
| Net charge-offs to loans | -0.0606% | 6,220 |
| Credit loss provision to net charge-offs | -1,086.9565% | 5,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5784% | 3,877 |
| Assets per employee ($millions) | 5.0997% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 2,082 |
| Loan loss allowance to noncurrent loans | 31.0153% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 7.4574% | 363 |
| Noncurrent loans to loans | 6.4048% | 505 |
| Net loans and leases to total assets | 59.5317% | 3,510 |
| Net loans and leases to deposits | 71.0719% | 3,315 |
| Net loans and leases to core deposits | 84.7695% | 2,234 |
| Total domestic deposits to total assets | 83.7627% | 4,570 |
| Equity capital to assets | 14.2148% | 958 |
| Core capital (leverage) ratio | 11.8801% | 1,634 |
| Tier 1 risk-based capital ratio | 15.8272% | 3,357 |
| Total risk-based capital ratio | 17.0823% | 3,321 |
| Memoranda: | ||
| Average total assets | $249,711,500 | 2,584 |
| Average earning assets | $213,192,000 | 2,729 |
| Average equity | $35,391,000 | 1,991 |
| Average total loans | $151,723,000 | 2,559 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 2,668 |
| Cost of funding earning assets | 0.5709% | 4,632 |
| Net interest margin | 4.1121% | 1,952 |
| Noninterest income to average assets | 0.0498% | 6,690 |
| Noninterest expense to average assets | 2.6406% | 4,598 |
| Loan and lease loss provision to assets | 0.3376% | 1,987 |
| Net operating income to assets | 0.6267% | 4,104 |
| Return on assets (ROA) | 0.4249% | 5,244 |
| Pretax return on assets | 0.4249% | 5,509 |
| Return on Equity (ROE) | 3.1047% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.2016% | 4,687 |
| Net charge-offs to loans | 0.3018% | 3,137 |
| Credit loss provision to net charge-offs | 182.3028% | 1,442 |
| Earnings coverage of net charge-offs (x) | 5.2068% | 3,110 |
| Efficiency ratio | 71.4317% | 3,529 |
| Assets per employee ($millions) | 5.3093% | 1,889 |
| Cash dividends to net income (ytd only)* | 29.0892% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8079% | 2,563 |
| Loan loss allowance to noncurrent loans | 30.3621% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 7.2811% | 416 |
| Noncurrent loans to loans | 5.9544% | 601 |
| Net loans and leases to total assets | 59.6816% | 3,656 |
| Net loans and leases to deposits | 71.4446% | 3,504 |
| Net loans and leases to core deposits | 83.7963% | 2,572 |
| Total domestic deposits to total assets | 83.5354% | 4,526 |
| Equity capital to assets | 14.1306% | 993 |
| Core capital (leverage) ratio | 11.5258% | 1,860 |
| Tier 1 risk-based capital ratio | 15.5190% | 3,410 |
| Total risk-based capital ratio | 16.7720% | 3,374 |
| Memoranda: | ||
| Average total assets | $253,237,600 | 2,502 |
| Average earning assets | $218,941,600 | 2,622 |
| Average equity | $34,656,600 | 2,003 |
| Average total loans | $155,376,200 | 2,497 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 2,933 |
| Cost of funding earning assets | 0.5897% | 4,747 |
| Net interest margin | 4.0786% | 2,179 |
| Noninterest income to average assets | 0.1747% | 6,262 |
| Noninterest expense to average assets | 2.6476% | 4,573 |
| Loan and lease loss provision to assets | 0.4459% | 1,411 |
| Net operating income to assets | 0.6222% | 4,286 |
| Return on assets (ROA) | 0.1306% | 6,214 |
| Pretax return on assets | 0.1306% | 6,228 |
| Return on Equity (ROE) | 0.9621% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.9621% | 5,784 |
| Net charge-offs to loans | 0.1322% | 4,061 |
| Credit loss provision to net charge-offs | 548.3871% | 484 |
| Earnings coverage of net charge-offs (x) | 13.1356% | 1,947 |
| Efficiency ratio | 69.5044% | 3,788 |
| Assets per employee ($millions) | 5.0641% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9917% | 2,190 |
| Loan loss allowance to noncurrent loans | 22.6100% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 7.4256% | 453 |
| Noncurrent loans to loans | 8.8090% | 324 |
| Net loans and leases to total assets | 60.5033% | 3,671 |
| Net loans and leases to deposits | 72.7593% | 3,484 |
| Net loans and leases to core deposits | 85.8379% | 2,485 |
| Total domestic deposits to total assets | 83.1555% | 4,578 |
| Equity capital to assets | 14.1392% | 1,100 |
| Core capital (leverage) ratio | 11.2380% | 2,184 |
| Tier 1 risk-based capital ratio | 15.1325% | 3,749 |
| Total risk-based capital ratio | 16.3876% | 3,701 |
| Memoranda: | ||
| Average total assets | $254,163,000 | 2,514 |
| Average earning assets | $220,656,500 | 2,630 |
| Average equity | $34,505,500 | 2,024 |
| Average total loans | $156,303,000 | 2,514 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 3,401 |
| Cost of funding earning assets | 0.6183% | 4,733 |
| Net interest margin | 3.9733% | 2,621 |
| Noninterest income to average assets | 0.3201% | 5,260 |
| Noninterest expense to average assets | 2.6022% | 4,770 |
| Loan and lease loss provision to assets | 0.6636% | 856 |
| Net operating income to assets | 0.5059% | 4,790 |
| Return on assets (ROA) | 0.3232% | 5,734 |
| Pretax return on assets | 0.3232% | 5,914 |
| Return on Equity (ROE) | 2.4131% | 5,912 |
| Retained earnings to average equity (ytd only) | 2.4131% | 4,986 |
| Net charge-offs to loans | 0.0114% | 5,292 |
| Credit loss provision to net charge-offs | 9,444.4444% | 28 |
| Earnings coverage of net charge-offs (x) | 166.4444% | 276 |
| Efficiency ratio | 67.2739% | 4,275 |
| Assets per employee ($millions) | 4.9380% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0724% | 2,054 |
| Loan loss allowance to noncurrent loans | 21.9018% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 7.6179% | 471 |
| Noncurrent loans to loans | 9.4622% | 299 |
| Net loans and leases to total assets | 58.8325% | 4,014 |
| Net loans and leases to deposits | 69.7956% | 3,929 |
| Net loans and leases to core deposits | 80.4384% | 3,154 |
| Total domestic deposits to total assets | 84.2927% | 4,198 |
| Equity capital to assets | 13.5105% | 1,301 |
| Core capital (leverage) ratio | 10.9973% | 2,296 |
| Tier 1 risk-based capital ratio | 15.1278% | 3,680 |
| Total risk-based capital ratio | 16.3840% | 3,646 |
| Memoranda: | ||
| Average total assets | $256,170,670 | 2,488 |
| Average earning assets | $222,538,000 | 2,614 |
| Average equity | $34,312,330 | 2,018 |
| Average total loans | $157,342,670 | 2,501 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5099% | 3,871 |
| Cost of funding earning assets | 0.6538% | 4,694 |
| Net interest margin | 3.8561% | 3,111 |
| Noninterest income to average assets | 0.3627% | 4,977 |
| Noninterest expense to average assets | 2.6342% | 4,686 |
| Loan and lease loss provision to assets | 0.5472% | 1,079 |
| Net operating income to assets | 0.5378% | 4,660 |
| Return on assets (ROA) | 0.5487% | 4,816 |
| Pretax return on assets | 0.5487% | 5,292 |
| Return on Equity (ROE) | 4.1146% | 5,242 |
| Retained earnings to average equity (ytd only) | 4.1146% | 4,123 |
| Net charge-offs to loans | -0.0932% | 6,762 |
| Credit loss provision to net charge-offs | -945.9459% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0626% | 3,972 |
| Assets per employee ($millions) | 4.8017% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 3,140 |
| Loan loss allowance to noncurrent loans | 17.6285% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 8.0176% | 476 |
| Noncurrent loans to loans | 9.9638% | 309 |
| Net loans and leases to total assets | 59.1696% | 3,825 |
| Net loans and leases to deposits | 69.9659% | 3,738 |
| Net loans and leases to core deposits | 81.3767% | 2,910 |
| Total domestic deposits to total assets | 84.5691% | 4,242 |
| Equity capital to assets | 13.2789% | 1,329 |
| Core capital (leverage) ratio | 11.2197% | 2,097 |
| Tier 1 risk-based capital ratio | 15.0685% | 3,709 |
| Total risk-based capital ratio | 16.3217% | 3,668 |
| Memoranda: | ||
| Average total assets | $255,867,000 | 2,507 |
| Average earning assets | $222,711,000 | 2,628 |
| Average equity | $34,122,500 | 2,026 |
| Average total loans | $158,881,000 | 2,500 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2948% | 1,719 |
| Cost of funding earning assets | 0.9522% | 3,708 |
| Net interest margin | 4.3426% | 1,566 |
| Noninterest income to average assets | 0.1758% | 6,233 |
| Noninterest expense to average assets | 2.4666% | 5,578 |
| Loan and lease loss provision to assets | 0.7949% | 1,245 |
| Net operating income to assets | 0.6683% | 3,638 |
| Return on assets (ROA) | 0.4872% | 4,685 |
| Pretax return on assets | 0.4872% | 5,027 |
| Return on Equity (ROE) | 3.6297% | 5,014 |
| Retained earnings to average equity (ytd only) | 2.8785% | 4,204 |
| Net charge-offs to loans | 1.7425% | 862 |
| Credit loss provision to net charge-offs | 68.6999% | 4,900 |
| Earnings coverage of net charge-offs (x) | 1.2646% | 4,835 |
| Efficiency ratio | 61.0632% | 5,594 |
| Assets per employee ($millions) | 4.7631% | 2,499 |
| Cash dividends to net income (ytd only)* | 20.6954% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 4,202 |
| Loan loss allowance to noncurrent loans | 18.5453% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 7.2242% | 629 |
| Noncurrent loans to loans | 7.8615% | 517 |
| Net loans and leases to total assets | 63.0802% | 3,383 |
| Net loans and leases to deposits | 74.7365% | 3,387 |
| Net loans and leases to core deposits | 85.8095% | 2,656 |
| Total domestic deposits to total assets | 84.4035% | 4,137 |
| Equity capital to assets | 13.3948% | 1,323 |
| Core capital (leverage) ratio | 10.7477% | 2,478 |
| Tier 1 risk-based capital ratio | 14.8075% | 3,753 |
| Total risk-based capital ratio | 16.0579% | 3,734 |
| Memoranda: | ||
| Average total assets | $247,949,800 | 2,542 |
| Average earning assets | $214,341,600 | 2,676 |
| Average equity | $33,280,800 | 2,000 |
| Average total loans | $164,652,000 | 2,430 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3549% | 1,661 |
| Cost of funding earning assets | 0.9982% | 3,686 |
| Net interest margin | 4.3567% | 1,543 |
| Noninterest income to average assets | 0.2609% | 5,754 |
| Noninterest expense to average assets | 2.5032% | 5,451 |
| Loan and lease loss provision to assets | 1.0242% | 832 |
| Net operating income to assets | 0.4964% | 4,566 |
| Return on assets (ROA) | 0.3349% | 5,444 |
| Pretax return on assets | 0.3349% | 5,633 |
| Return on Equity (ROE) | 2.4939% | 5,626 |
| Retained earnings to average equity (ytd only) | 1.9910% | 5,140 |
| Net charge-offs to loans | 2.0771% | 597 |
| Credit loss provision to net charge-offs | 73.5739% | 4,367 |
| Earnings coverage of net charge-offs (x) | 1.0924% | 4,811 |
| Efficiency ratio | 60.5316% | 5,633 |
| Assets per employee ($millions) | 4.7811% | 2,503 |
| Cash dividends to net income (ytd only)* | 20.1609% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 3,629 |
| Loan loss allowance to noncurrent loans | 20.5525% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 7.2124% | 672 |
| Noncurrent loans to loans | 7.8208% | 579 |
| Net loans and leases to total assets | 62.1804% | 3,678 |
| Net loans and leases to deposits | 76.7388% | 3,206 |
| Net loans and leases to core deposits | 87.8523% | 2,514 |
| Total domestic deposits to total assets | 81.0287% | 5,423 |
| Equity capital to assets | 13.2231% | 1,505 |
| Core capital (leverage) ratio | 10.7741% | 2,594 |
| Tier 1 risk-based capital ratio | 14.7311% | 3,815 |
| Total risk-based capital ratio | 15.9829% | 3,792 |
| Memoranda: | ||
| Average total assets | $246,826,750 | 2,568 |
| Average earning assets | $213,182,000 | 2,704 |
| Average equity | $33,147,500 | 2,008 |
| Average total loans | $165,415,750 | 2,436 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5760% | 1,119 |
| Cost of funding earning assets | 1.0407% | 3,667 |
| Net interest margin | 4.5353% | 1,042 |
| Noninterest income to average assets | 0.3736% | 4,887 |
| Noninterest expense to average assets | 2.5712% | 5,288 |
| Loan and lease loss provision to assets | 0.5330% | 1,829 |
| Net operating income to assets | 1.1813% | 1,632 |
| Return on assets (ROA) | 0.9369% | 2,587 |
| Pretax return on assets | 0.9369% | 3,485 |
| Return on Equity (ROE) | 6.9396% | 3,474 |
| Retained earnings to average equity (ytd only) | 6.1827% | 2,309 |
| Net charge-offs to loans | 1.0025% | 1,567 |
| Credit loss provision to net charge-offs | 77.8043% | 3,835 |
| Earnings coverage of net charge-offs (x) | 2.5024% | 3,573 |
| Efficiency ratio | 58.4128% | 6,106 |
| Assets per employee ($millions) | 4.6844% | 2,571 |
| Cash dividends to net income (ytd only)* | 10.9075% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 3,934 |
| Loan loss allowance to noncurrent loans | 23.3300% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 6.8820% | 752 |
| Noncurrent loans to loans | 6.6084% | 830 |
| Net loans and leases to total assets | 66.9302% | 2,834 |
| Net loans and leases to deposits | 83.1693% | 2,240 |
| Net loans and leases to core deposits | 94.5894% | 1,838 |
| Total domestic deposits to total assets | 80.4746% | 5,686 |
| Equity capital to assets | 13.6298% | 1,235 |
| Core capital (leverage) ratio | 11.3422% | 2,015 |
| Tier 1 risk-based capital ratio | 14.7732% | 3,631 |
| Total risk-based capital ratio | 16.0254% | 3,599 |
| Memoranda: | ||
| Average total assets | $244,636,330 | 2,605 |
| Average earning assets | $211,012,000 | 2,748 |
| Average equity | $33,027,670 | 2,003 |
| Average total loans | $167,175,000 | 2,444 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5791% | 1,096 |
| Cost of funding earning assets | 1.0698% | 3,720 |
| Net interest margin | 4.5093% | 1,052 |
| Noninterest income to average assets | 0.3575% | 5,042 |
| Noninterest expense to average assets | 2.5056% | 5,529 |
| Loan and lease loss provision to assets | 0.4547% | 1,937 |
| Net operating income to assets | 1.2997% | 1,266 |
| Return on assets (ROA) | 0.8072% | 3,057 |
| Pretax return on assets | 0.8072% | 3,877 |
| Return on Equity (ROE) | 6.0082% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.0082% | 2,629 |
| Net charge-offs to loans | 0.8126% | 1,606 |
| Credit loss provision to net charge-offs | 81.6568% | 3,128 |
| Earnings coverage of net charge-offs (x) | 3.1509% | 2,833 |
| Efficiency ratio | 57.2312% | 6,356 |
| Assets per employee ($millions) | 4.7867% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 3,468 |
| Loan loss allowance to noncurrent loans | 43.7350% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 5.0024% | 1,260 |
| Noncurrent loans to loans | 3.8064% | 1,925 |
| Net loans and leases to total assets | 65.9613% | 3,020 |
| Net loans and leases to deposits | 81.8209% | 2,392 |
| Net loans and leases to core deposits | 92.3425% | 2,090 |
| Total domestic deposits to total assets | 80.6167% | 5,785 |
| Equity capital to assets | 13.5031% | 1,184 |
| Core capital (leverage) ratio | 11.3586% | 1,926 |
| Tier 1 risk-based capital ratio | 15.4656% | 3,174 |
| Total risk-based capital ratio | 16.7193% | 3,125 |
| Memoranda: | ||
| Average total assets | $242,818,500 | 2,638 |
| Average earning assets | $210,141,500 | 2,785 |
| Average equity | $32,622,000 | 2,008 |
| Average total loans | $166,377,000 | 2,480 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8188% | 1,229 |
| Cost of funding earning assets | 1.5046% | 2,610 |
| Net interest margin | 4.3141% | 1,774 |
| Noninterest income to average assets | 0.3202% | 5,499 |
| Noninterest expense to average assets | 2.6950% | 5,013 |
| Loan and lease loss provision to assets | 0.8497% | 1,926 |
| Net operating income to assets | 0.4889% | 4,155 |
| Return on assets (ROA) | 0.2497% | 5,263 |
| Pretax return on assets | 0.2497% | 5,356 |
| Return on Equity (ROE) | 1.9137% | 5,414 |
| Retained earnings to average equity (ytd only) | 0.7562% | 5,175 |
| Net charge-offs to loans | 0.9681% | 2,242 |
| Credit loss provision to net charge-offs | 127.1084% | 3,177 |
| Earnings coverage of net charge-offs (x) | 2.0024% | 4,237 |
| Efficiency ratio | 65.1558% | 5,134 |
| Assets per employee ($millions) | 4.8303% | 2,384 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9254% | 2,483 |
| Loan loss allowance to noncurrent loans | 47.4206% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 4.7889% | 1,362 |
| Noncurrent loans to loans | 4.0603% | 1,781 |
| Net loans and leases to total assets | 68.6284% | 2,828 |
| Net loans and leases to deposits | 85.0814% | 2,266 |
| Net loans and leases to core deposits | 97.3236% | 1,864 |
| Total domestic deposits to total assets | 80.6621% | 5,635 |
| Equity capital to assets | 13.3656% | 1,234 |
| Core capital (leverage) ratio | 10.7208% | 2,367 |
| Tier 1 risk-based capital ratio | 14.6589% | 3,445 |
| Total risk-based capital ratio | 15.9161% | 3,407 |
| Memoranda: | ||
| Average total assets | $248,312,800 | 2,551 |
| Average earning assets | $213,738,800 | 2,704 |
| Average equity | $32,398,400 | 2,027 |
| Average total loans | $171,467,600 | 2,451 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8869% | 1,164 |
| Cost of funding earning assets | 1.5771% | 2,528 |
| Net interest margin | 4.3097% | 1,820 |
| Noninterest income to average assets | 0.3952% | 4,997 |
| Noninterest expense to average assets | 2.7091% | 4,843 |
| Loan and lease loss provision to assets | 0.7519% | 2,039 |
| Net operating income to assets | 0.6357% | 3,720 |
| Return on assets (ROA) | 0.6389% | 3,875 |
| Pretax return on assets | 0.6389% | 4,457 |
| Return on Equity (ROE) | 4.9257% | 4,324 |
| Retained earnings to average equity (ytd only) | 3.8978% | 3,724 |
| Net charge-offs to loans | 0.8252% | 2,388 |
| Credit loss provision to net charge-offs | 132.3944% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.4432% | 3,950 |
| Efficiency ratio | 64.5144% | 5,150 |
| Assets per employee ($millions) | 4.8299% | 2,409 |
| Cash dividends to net income (ytd only)* | 20.8685% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8461% | 2,640 |
| Loan loss allowance to noncurrent loans | 29.0647% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 6.3658% | 901 |
| Noncurrent loans to loans | 6.3517% | 951 |
| Net loans and leases to total assets | 66.6414% | 3,538 |
| Net loans and leases to deposits | 84.7073% | 2,576 |
| Net loans and leases to core deposits | 96.9851% | 2,146 |
| Total domestic deposits to total assets | 78.6726% | 6,098 |
| Equity capital to assets | 13.5147% | 1,343 |
| Core capital (leverage) ratio | 10.9186% | 2,321 |
| Tier 1 risk-based capital ratio | 15.2009% | 3,159 |
| Total risk-based capital ratio | 16.4576% | 3,122 |
| Memoranda: | ||
| Average total assets | $250,012,250 | 2,577 |
| Average earning assets | $214,732,750 | 2,727 |
| Average equity | $32,428,000 | 2,044 |
| Average total loans | $172,084,000 | 2,486 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9166% | 1,144 |
| Cost of funding earning assets | 1.6776% | 2,247 |
| Net interest margin | 4.2391% | 2,022 |
| Noninterest income to average assets | 0.6201% | 3,196 |
| Noninterest expense to average assets | 2.6984% | 4,915 |
| Loan and lease loss provision to assets | 0.7531% | 1,919 |
| Net operating income to assets | 0.8148% | 2,902 |
| Return on assets (ROA) | 0.8196% | 3,029 |
| Pretax return on assets | 0.8196% | 3,819 |
| Return on Equity (ROE) | 6.4092% | 3,592 |
| Retained earnings to average equity (ytd only) | 4.8429% | 2,987 |
| Net charge-offs to loans | 0.3905% | 3,411 |
| Credit loss provision to net charge-offs | 278.9318% | 1,333 |
| Earnings coverage of net charge-offs (x) | 5.8071% | 2,593 |
| Efficiency ratio | 61.6901% | 5,739 |
| Assets per employee ($millions) | 4.6414% | 2,664 |
| Cash dividends to net income (ytd only)* | 24.4379% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0104% | 2,146 |
| Loan loss allowance to noncurrent loans | 54.9089% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 4.5875% | 1,432 |
| Noncurrent loans to loans | 3.6613% | 2,145 |
| Net loans and leases to total assets | 66.2364% | 3,785 |
| Net loans and leases to deposits | 84.1778% | 2,843 |
| Net loans and leases to core deposits | 97.5537% | 2,276 |
| Total domestic deposits to total assets | 78.6863% | 6,111 |
| Equity capital to assets | 13.4561% | 1,362 |
| Core capital (leverage) ratio | 10.9610% | 2,270 |
| Tier 1 risk-based capital ratio | 14.8291% | 3,249 |
| Total risk-based capital ratio | 16.0872% | 3,218 |
| Memoranda: | ||
| Average total assets | $249,631,000 | 2,605 |
| Average earning assets | $214,716,330 | 2,752 |
| Average equity | $31,923,000 | 2,064 |
| Average total loans | $172,604,670 | 2,510 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9493% | 1,080 |
| Cost of funding earning assets | 1.7639% | 2,048 |
| Net interest margin | 4.1854% | 2,107 |
| Noninterest income to average assets | 0.5812% | 3,408 |
| Noninterest expense to average assets | 2.6492% | 5,146 |
| Loan and lease loss provision to assets | 0.0401% | 6,271 |
| Net operating income to assets | 1.4884% | 910 |
| Return on assets (ROA) | 1.4980% | 969 |
| Pretax return on assets | 1.4980% | 1,524 |
| Return on Equity (ROE) | 12.0304% | 1,494 |
| Retained earnings to average equity (ytd only) | 12.0304% | 745 |
| Net charge-offs to loans | 0.2411% | 3,495 |
| Credit loss provision to net charge-offs | 23.8095% | 4,901 |
| Earnings coverage of net charge-offs (x) | 9.0667% | 1,900 |
| Efficiency ratio | 61.8370% | 5,862 |
| Assets per employee ($millions) | 4.0549% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 3,615 |
| Loan loss allowance to noncurrent loans | 43.9052% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 4.9962% | 1,288 |
| Noncurrent loans to loans | 3.5547% | 2,246 |
| Net loans and leases to total assets | 69.4352% | 3,066 |
| Net loans and leases to deposits | 87.6717% | 2,287 |
| Net loans and leases to core deposits | 101.4346% | 1,977 |
| Total domestic deposits to total assets | 79.1991% | 6,026 |
| Equity capital to assets | 12.8312% | 1,590 |
| Core capital (leverage) ratio | 10.3554% | 2,762 |
| Tier 1 risk-based capital ratio | 12.7794% | 4,504 |
| Total risk-based capital ratio | 14.0312% | 4,466 |
| Memoranda: | ||
| Average total assets | $249,128,000 | 2,662 |
| Average earning assets | $214,075,000 | 2,818 |
| Average equity | $31,021,500 | 2,143 |
| Average total loans | $174,197,500 | 2,556 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1873% | 1,265 |
| Cost of funding earning assets | 2.0718% | 2,616 |
| Net interest margin | 4.1156% | 2,387 |
| Noninterest income to average assets | 1.4018% | 746 |
| Noninterest expense to average assets | 2.7399% | 5,197 |
| Loan and lease loss provision to assets | 2.2620% | 911 |
| Net operating income to assets | 0.0321% | 5,389 |
| Return on assets (ROA) | -0.0619% | 5,627 |
| Pretax return on assets | -0.0619% | 5,540 |
| Return on Equity (ROE) | -0.4905% | 5,620 |
| Retained earnings to average equity (ytd only) | -1.2651% | 5,336 |
| Net charge-offs to loans | 2.5296% | 912 |
| Credit loss provision to net charge-offs | 121.0618% | 4,407 |
| Earnings coverage of net charge-offs (x) | 1.2278% | 4,895 |
| Efficiency ratio | 53.1131% | 7,312 |
| Assets per employee ($millions) | 3.9826% | 3,847 |
| Cash dividends to net income (ytd only)* | -157.8947% | 7,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 3,231 |
| Loan loss allowance to noncurrent loans | 48.9184% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 4.4881% | 1,435 |
| Noncurrent loans to loans | 3.2957% | 2,319 |
| Net loans and leases to total assets | 68.2008% | 3,660 |
| Net loans and leases to deposits | 88.6687% | 2,446 |
| Net loans and leases to core deposits | 119.2241% | 2,008 |
| Total domestic deposits to total assets | 76.9165% | 6,502 |
| Equity capital to assets | 12.0782% | 1,991 |
| Core capital (leverage) ratio | 9.7142% | 3,430 |
| Tier 1 risk-based capital ratio | 12.3615% | 4,631 |
| Total risk-based capital ratio | 13.6139% | 4,592 |
| Memoranda: | ||
| Average total assets | $214,718,000 | 3,020 |
| Average earning assets | $189,500,200 | 3,099 |
| Average equity | $27,113,000 | 2,439 |
| Average total loans | $158,605,000 | 2,786 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0746% | 1,745 |
| Cost of funding earning assets | 2.1121% | 2,839 |
| Net interest margin | 3.9625% | 2,984 |
| Noninterest income to average assets | 0.3507% | 5,687 |
| Noninterest expense to average assets | 2.5782% | 5,789 |
| Loan and lease loss provision to assets | 2.8245% | 551 |
| Net operating income to assets | -1.5299% | 7,131 |
| Return on assets (ROA) | -1.6615% | 7,178 |
| Pretax return on assets | -1.6615% | 7,032 |
| Return on Equity (ROE) | -12.9859% | 7,074 |
| Retained earnings to average equity (ytd only) | -12.9859% | 7,008 |
| Net charge-offs to loans | 3.2795% | 486 |
| Credit loss provision to net charge-offs | 114.4471% | 4,436 |
| Earnings coverage of net charge-offs (x) | 0.5246% | 5,503 |
| Efficiency ratio | 64.7975% | 5,589 |
| Assets per employee ($millions) | 4.2248% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6339% | 2,865 |
| Loan loss allowance to noncurrent loans | 71.6039% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 3.5992% | 1,833 |
| Noncurrent loans to loans | 2.2818% | 3,285 |
| Net loans and leases to total assets | 71.5076% | 3,151 |
| Net loans and leases to deposits | 92.6530% | 2,123 |
| Net loans and leases to core deposits | 115.8221% | 2,645 |
| Total domestic deposits to total assets | 77.1778% | 6,298 |
| Equity capital to assets | 11.7884% | 2,362 |
| Core capital (leverage) ratio | 9.2842% | 4,213 |
| Tier 1 risk-based capital ratio | 11.2110% | 5,735 |
| Total risk-based capital ratio | 12.4639% | 5,689 |
| Memoranda: | ||
| Average total assets | $205,671,000 | 3,132 |
| Average earning assets | $182,811,250 | 3,206 |
| Average equity | $26,315,000 | 2,525 |
| Average total loans | $154,775,250 | 2,873 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0925% | 1,815 |
| Cost of funding earning assets | 2.2065% | 2,764 |
| Net interest margin | 3.8859% | 3,175 |
| Noninterest income to average assets | 0.3641% | 5,597 |
| Noninterest expense to average assets | 2.5513% | 5,938 |
| Loan and lease loss provision to assets | 2.6348% | 584 |
| Net operating income to assets | -1.3640% | 7,191 |
| Return on assets (ROA) | -1.5632% | 7,283 |
| Pretax return on assets | -1.5632% | 7,118 |
| Return on Equity (ROE) | -11.8943% | 7,167 |
| Retained earnings to average equity (ytd only) | -11.8943% | 7,051 |
| Net charge-offs to loans | 3.4579% | 455 |
| Credit loss provision to net charge-offs | 100.0745% | 4,555 |
| Earnings coverage of net charge-offs (x) | 0.4827% | 5,221 |
| Efficiency ratio | 64.9294% | 5,734 |
| Assets per employee ($millions) | 4.1097% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 4,536 |
| Loan loss allowance to noncurrent loans | 29.2250% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 4.4166% | 1,281 |
| Noncurrent loans to loans | 4.3113% | 1,515 |
| Net loans and leases to total assets | 76.3125% | 2,107 |
| Net loans and leases to deposits | 100.6016% | 1,225 |
| Net loans and leases to core deposits | 126.1845% | 1,850 |
| Total domestic deposits to total assets | 75.8561% | 6,583 |
| Equity capital to assets | 12.6112% | 1,871 |
| Core capital (leverage) ratio | 9.8422% | 3,461 |
| Tier 1 risk-based capital ratio | 11.6594% | 5,236 |
| Total risk-based capital ratio | 12.8249% | 5,238 |
| Memoranda: | ||
| Average total assets | $203,814,000 | 3,182 |
| Average earning assets | $181,371,670 | 3,241 |
| Average equity | $26,786,000 | 2,496 |
| Average total loans | $155,179,330 | 2,904 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2178% | 1,542 |
| Cost of funding earning assets | 2.2556% | 2,900 |
| Net interest margin | 3.9622% | 2,805 |
| Noninterest income to average assets | 0.3551% | 5,604 |
| Noninterest expense to average assets | 2.4347% | 6,076 |
| Loan and lease loss provision to assets | 0.5853% | 2,150 |
| Net operating income to assets | 0.8545% | 2,892 |
| Return on assets (ROA) | 0.4429% | 4,852 |
| Pretax return on assets | 0.4429% | 5,262 |
| Return on Equity (ROE) | 3.3041% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.3041% | 4,042 |
| Net charge-offs to loans | 0.7306% | 1,726 |
| Credit loss provision to net charge-offs | 106.0071% | 3,589 |
| Earnings coverage of net charge-offs (x) | 2.6078% | 3,455 |
| Efficiency ratio | 61.0775% | 6,241 |
| Assets per employee ($millions) | 4.2044% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 4,273 |
| Loan loss allowance to noncurrent loans | 54.5404% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.8164% | 3,193 |
| Noncurrent loans to loans | 2.3295% | 2,825 |
| Net loans and leases to total assets | 74.5334% | 2,614 |
| Net loans and leases to deposits | 98.8216% | 1,555 |
| Net loans and leases to core deposits | 124.3360% | 2,057 |
| Total domestic deposits to total assets | 75.4222% | 6,620 |
| Equity capital to assets | 13.3267% | 1,602 |
| Core capital (leverage) ratio | 10.8394% | 2,627 |
| Tier 1 risk-based capital ratio | 12.7108% | 4,380 |
| Total risk-based capital ratio | 13.8843% | 4,364 |
| Memoranda: | ||
| Average total assets | $205,033,000 | 3,180 |
| Average earning assets | $182,122,000 | 3,252 |
| Average equity | $27,481,000 | 2,455 |
| Average total loans | $154,951,000 | 2,928 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1642% | 796 |
| Cost of funding earning assets | 2.8837% | 2,338 |
| Net interest margin | 4.2805% | 2,045 |
| Noninterest income to average assets | 0.4670% | 4,907 |
| Noninterest expense to average assets | 2.5648% | 5,772 |
| Loan and lease loss provision to assets | 0.6925% | 2,113 |
| Net operating income to assets | 0.9493% | 2,795 |
| Return on assets (ROA) | 0.7560% | 3,477 |
| Pretax return on assets | 0.7560% | 4,229 |
| Return on Equity (ROE) | 4.9782% | 4,401 |
| Retained earnings to average equity (ytd only) | 3.8463% | 2,734 |
| Net charge-offs to loans | 0.5018% | 2,355 |
| Credit loss provision to net charge-offs | 191.3767% | 2,569 |
| Earnings coverage of net charge-offs (x) | 4.5371% | 3,944 |
| Efficiency ratio | 59.1229% | 6,513 |
| Assets per employee ($millions) | 4.2511% | 3,031 |
| Cash dividends to net income (ytd only)* | 22.7371% | 4,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 3,996 |
| Loan loss allowance to noncurrent loans | 57.6685% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 1.8250% | 2,701 |
| Noncurrent loans to loans | 2.2005% | 2,513 |
| Net loans and leases to total assets | 74.6955% | 2,941 |
| Net loans and leases to deposits | 100.9377% | 1,718 |
| Net loans and leases to core deposits | 124.3967% | 2,292 |
| Total domestic deposits to total assets | 74.0016% | 6,657 |
| Equity capital to assets | 13.4805% | 1,602 |
| Core capital (leverage) ratio | 11.2076% | 2,424 |
| Tier 1 risk-based capital ratio | 12.0332% | 4,799 |
| Total risk-based capital ratio | 13.1483% | 4,804 |
| Memoranda: | ||
| Average total assets | $182,664,200 | 3,384 |
| Average earning assets | $159,584,600 | 3,479 |
| Average equity | $27,740,800 | 2,422 |
| Average total loans | $131,717,800 | 3,239 |