Home > Mid Penn Bank > Performance and Condition Ratios
Mid Penn Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1983% | 1,664 |
| Cost of funding earning assets | 1.9226% | 1,035 |
| Net interest margin | 3.2757% | 2,692 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.1919% | 3,149 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.9358% | 2,421 |
| Return on assets (ROA) | 0.9359% | 2,402 |
| Pretax return on assets | 1.1436% | 2,280 |
| Return on Equity (ROE) | 8.1900% | 2,973 |
| Retained earnings to average equity (ytd only) | 8.1883% | 1,483 |
| Net charge-offs to loans | 0.0085% | 2,343 |
| Credit loss provision to net charge-offs | 992.4699% | 414 |
| Earnings coverage of net charge-offs (x) | 180.7982% | 626 |
| Efficiency ratio | 63.2683% | 2,697 |
| Assets per employee ($millions) | 8.3389% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 3,953 |
| Loan loss allowance to noncurrent loans | 240.4826% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 1,855 |
| Noncurrent loans to loans | 0.3340% | 1,984 |
| Net loans and leases to total assets | 79.8700% | 653 |
| Net loans and leases to deposits | 96.9355% | 719 |
| Net loans and leases to core deposits | 121.2655% | 586 |
| Total domestic deposits to total assets | 82.3900% | 3,053 |
| Equity capital to assets | 10.8522% | 1,559 |
| Core capital (leverage) ratio | 8.9478% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3709% | 2,747 |
| Memoranda: | ||
| Average total assets | $4,925,788,000 | 276 |
| Average earning assets | $4,543,716,000 | 272 |
| Average equity | $563,025,200 | 243 |
| Average total loans | $3,915,825,400 | 243 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0898% | 1,651 |
| Cost of funding earning assets | 1.7556% | 1,088 |
| Net interest margin | 3.3341% | 2,609 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.2728% | 2,880 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.8823% | 2,745 |
| Return on assets (ROA) | 0.8819% | 2,732 |
| Pretax return on assets | 1.0746% | 2,641 |
| Return on Equity (ROE) | 7.6100% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.6101% | 2,100 |
| Net charge-offs to loans | 0.0102% | 2,016 |
| Credit loss provision to net charge-offs | 1,045.5782% | 391 |
| Earnings coverage of net charge-offs (x) | 147.4728% | 738 |
| Efficiency ratio | 64.5647% | 2,434 |
| Assets per employee ($millions) | 8.2622% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8194% | 3,946 |
| Loan loss allowance to noncurrent loans | 252.4800% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 1,905 |
| Noncurrent loans to loans | 0.3245% | 2,071 |
| Net loans and leases to total assets | 79.0700% | 751 |
| Net loans and leases to deposits | 93.9115% | 905 |
| Net loans and leases to core deposits | 115.5253% | 683 |
| Total domestic deposits to total assets | 84.2000% | 2,716 |
| Equity capital to assets | 10.8120% | 1,424 |
| Core capital (leverage) ratio | 8.9619% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3017% | 2,769 |
| Memoranda: | ||
| Average total assets | $4,835,518,500 | 281 |
| Average earning assets | $4,455,644,000 | 276 |
| Average equity | $560,345,750 | 244 |
| Average total loans | $3,830,620,000 | 249 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 1,725 |
| Cost of funding earning assets | 1.5275% | 1,197 |
| Net interest margin | 3.3890% | 2,550 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.2888% | 2,844 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.9515% | 2,582 |
| Return on assets (ROA) | 0.9515% | 2,571 |
| Pretax return on assets | 1.1331% | 2,554 |
| Return on Equity (ROE) | 8.0100% | 3,229 |
| Retained earnings to average equity (ytd only) | 8.0134% | 1,956 |
| Net charge-offs to loans | 0.0152% | 1,630 |
| Credit loss provision to net charge-offs | 581.9788% | 593 |
| Earnings coverage of net charge-offs (x) | 102.3781% | 922 |
| Efficiency ratio | 64.1387% | 2,471 |
| Assets per employee ($millions) | 7.8119% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 4,004 |
| Loan loss allowance to noncurrent loans | 216.1438% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 1,691 |
| Noncurrent loans to loans | 0.3730% | 1,806 |
| Net loans and leases to total assets | 78.9600% | 739 |
| Net loans and leases to deposits | 93.4600% | 911 |
| Net loans and leases to core deposits | 113.9948% | 683 |
| Total domestic deposits to total assets | 84.4800% | 2,701 |
| Equity capital to assets | 11.1030% | 1,347 |
| Core capital (leverage) ratio | 9.0335% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3672% | 2,790 |
| Memoranda: | ||
| Average total assets | $4,712,303,000 | 280 |
| Average earning assets | $4,342,224,000 | 274 |
| Average equity | $559,534,333 | 241 |
| Average total loans | $3,724,184,333 | 247 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8008% | 1,612 |
| Cost of funding earning assets | 1.2943% | 1,239 |
| Net interest margin | 3.5065% | 2,349 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.1093% | 3,360 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.1814% | 1,987 |
| Return on assets (ROA) | 1.1819% | 1,945 |
| Pretax return on assets | 1.4250% | 1,820 |
| Return on Equity (ROE) | 9.6000% | 2,895 |
| Retained earnings to average equity (ytd only) | 9.6044% | 1,790 |
| Net charge-offs to loans | 0.0127% | 1,478 |
| Credit loss provision to net charge-offs | 433.6283% | 593 |
| Earnings coverage of net charge-offs (x) | 150.0885% | 611 |
| Efficiency ratio | 57.6972% | 3,223 |
| Assets per employee ($millions) | 7.7860% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 3,947 |
| Loan loss allowance to noncurrent loans | 233.4428% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 1,676 |
| Noncurrent loans to loans | 0.3706% | 1,821 |
| Net loans and leases to total assets | 78.2600% | 739 |
| Net loans and leases to deposits | 92.0693% | 913 |
| Net loans and leases to core deposits | 108.6359% | 744 |
| Total domestic deposits to total assets | 85.0000% | 2,862 |
| Equity capital to assets | 12.0170% | 995 |
| Core capital (leverage) ratio | 10.1352% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7606% | 2,478 |
| Memoranda: | ||
| Average total assets | $4,529,588,000 | 297 |
| Average earning assets | $4,182,908,500 | 291 |
| Average equity | $557,410,000 | 247 |
| Average total loans | $3,565,309,000 | 263 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 1,753 |
| Cost of funding earning assets | 0.3597% | 2,405 |
| Net interest margin | 3.6272% | 1,565 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.0934% | 3,312 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.3423% | 1,305 |
| Return on assets (ROA) | 1.3411% | 1,264 |
| Pretax return on assets | 1.6358% | 1,070 |
| Return on Equity (ROE) | 11.1600% | 2,419 |
| Retained earnings to average equity (ytd only) | 11.1578% | 849 |
| Net charge-offs to loans | -0.0018% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.5387% | 3,828 |
| Assets per employee ($millions) | 7.4933% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5391% | 4,405 |
| Loan loss allowance to noncurrent loans | 214.2276% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 2,183 |
| Noncurrent loans to loans | 0.2516% | 2,265 |
| Net loans and leases to total assets | 78.0500% | 792 |
| Net loans and leases to deposits | 92.5598% | 886 |
| Net loans and leases to core deposits | 101.5139% | 921 |
| Total domestic deposits to total assets | 84.3300% | 3,140 |
| Equity capital to assets | 12.4896% | 807 |
| Core capital (leverage) ratio | 10.7111% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0250% | 2,363 |
| Memoranda: | ||
| Average total assets | $4,494,023,800 | 290 |
| Average earning assets | $4,152,920,200 | 285 |
| Average equity | $540,140,800 | 255 |
| Average total loans | $3,255,914,000 | 267 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5968% | 1,854 |
| Cost of funding earning assets | 0.2168% | 2,682 |
| Net interest margin | 3.3800% | 1,661 |
| Noninterest income to average assets | 0.4341% | 2,546 |
| Noninterest expense to average assets | 2.0807% | 3,202 |
| Loan and lease loss provision to assets | 0.0977% | 1,025 |
| Net operating income to assets | 1.1283% | 1,674 |
| Return on assets (ROA) | 1.1266% | 1,656 |
| Pretax return on assets | 1.3847% | 1,484 |
| Return on Equity (ROE) | 9.6544% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.6544% | 1,107 |
| Net charge-offs to loans | -0.0034% | 3,236 |
| Credit loss provision to net charge-offs | -4,120.3704% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1261% | 3,670 |
| Assets per employee ($millions) | 7.5678% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5291% | 4,522 |
| Loan loss allowance to noncurrent loans | 223.4936% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 2,469 |
| Noncurrent loans to loans | 0.2367% | 2,529 |
| Net loans and leases to total assets | 73.6799% | 945 |
| Net loans and leases to deposits | 85.0509% | 1,051 |
| Net loans and leases to core deposits | 88.3365% | 1,203 |
| Total domestic deposits to total assets | 86.6304% | 3,066 |
| Equity capital to assets | 12.5286% | 754 |
| Core capital (leverage) ratio | 9.8212% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3404% | 2,363 |
| Memoranda: | ||
| Average total assets | $4,552,903,667 | 287 |
| Average earning assets | $4,217,645,333 | 285 |
| Average equity | $531,301,000 | 258 |
| Average total loans | $3,144,840,667 | 271 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4636% | 1,911 |
| Cost of funding earning assets | 0.2297% | 2,400 |
| Net interest margin | 3.2339% | 1,767 |
| Noninterest income to average assets | 0.4331% | 2,479 |
| Noninterest expense to average assets | 2.1337% | 3,033 |
| Loan and lease loss provision to assets | 0.0428% | 1,588 |
| Net operating income to assets | 1.0267% | 1,775 |
| Return on assets (ROA) | 1.0249% | 1,774 |
| Pretax return on assets | 1.2598% | 1,621 |
| Return on Equity (ROE) | 9.0910% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.0910% | 1,245 |
| Net charge-offs to loans | -0.0064% | 3,424 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8572% | 3,388 |
| Assets per employee ($millions) | 7.6727% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4841% | 4,601 |
| Loan loss allowance to noncurrent loans | 198.2592% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 2,631 |
| Noncurrent loans to loans | 0.2442% | 2,617 |
| Net loans and leases to total assets | 66.7493% | 1,336 |
| Net loans and leases to deposits | 77.3423% | 1,338 |
| Net loans and leases to core deposits | 81.3650% | 1,395 |
| Total domestic deposits to total assets | 86.3038% | 3,163 |
| Equity capital to assets | 11.3750% | 1,173 |
| Core capital (leverage) ratio | 9.0088% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3566% | 2,460 |
| Memoranda: | ||
| Average total assets | $4,676,303,500 | 283 |
| Average earning assets | $4,346,001,500 | 279 |
| Average equity | $527,204,000 | 264 |
| Average total loans | $3,122,457,500 | 271 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 2,239 |
| Cost of funding earning assets | 0.3760% | 1,710 |
| Net interest margin | 3.2789% | 2,369 |
| Noninterest income to average assets | 0.5896% | 2,208 |
| Noninterest expense to average assets | 2.1333% | 3,292 |
| Loan and lease loss provision to assets | 0.0819% | 1,498 |
| Net operating income to assets | 1.1768% | 2,003 |
| Return on assets (ROA) | 1.1783% | 2,062 |
| Pretax return on assets | 1.4528% | 1,871 |
| Return on Equity (ROE) | 11.8761% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.7838% | 744 |
| Net charge-offs to loans | 0.0660% | 1,132 |
| Credit loss provision to net charge-offs | 170.2312% | 1,407 |
| Earnings coverage of net charge-offs (x) | 31.8630% | 1,566 |
| Efficiency ratio | 57.2938% | 3,547 |
| Assets per employee ($millions) | 8.1951% | 1,223 |
| Cash dividends to net income (ytd only)* | 9.1973% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4685% | 4,650 |
| Loan loss allowance to noncurrent loans | 145.0850% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 2,486 |
| Noncurrent loans to loans | 0.3229% | 2,434 |
| Net loans and leases to total assets | 66.1599% | 1,453 |
| Net loans and leases to deposits | 76.6255% | 1,519 |
| Net loans and leases to core deposits | 81.4255% | 1,497 |
| Total domestic deposits to total assets | 86.3419% | 2,783 |
| Equity capital to assets | 11.1734% | 1,687 |
| Core capital (leverage) ratio | 8.5887% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3095% | 2,528 |
| Memoranda: | ||
| Average total assets | $3,596,089,400 | 326 |
| Average earning assets | $3,374,127,200 | 319 |
| Average equity | $356,775,800 | 351 |
| Average total loans | $2,622,102,600 | 293 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 1,871 |
| Cost of funding earning assets | 0.4241% | 1,530 |
| Net interest margin | 3.4416% | 2,036 |
| Noninterest income to average assets | 0.6277% | 2,108 |
| Noninterest expense to average assets | 2.1378% | 3,254 |
| Loan and lease loss provision to assets | 0.1033% | 1,168 |
| Net operating income to assets | 1.3152% | 1,772 |
| Return on assets (ROA) | 1.3174% | 1,824 |
| Pretax return on assets | 1.6268% | 1,619 |
| Return on Equity (ROE) | 13.8972% | 1,421 |
| Retained earnings to average equity (ytd only) | 12.2479% | 788 |
| Net charge-offs to loans | 0.0920% | 785 |
| Credit loss provision to net charge-offs | 149.3619% | 1,361 |
| Earnings coverage of net charge-offs (x) | 24.9733% | 1,631 |
| Efficiency ratio | 54.4547% | 3,733 |
| Assets per employee ($millions) | 7.8108% | 1,371 |
| Cash dividends to net income (ytd only)* | 11.8681% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5946% | 4,637 |
| Loan loss allowance to noncurrent loans | 224.5307% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 2,883 |
| Noncurrent loans to loans | 0.2648% | 2,863 |
| Net loans and leases to total assets | 68.9191% | 1,202 |
| Net loans and leases to deposits | 79.0347% | 1,378 |
| Net loans and leases to core deposits | 84.0410% | 1,427 |
| Total domestic deposits to total assets | 87.2010% | 2,268 |
| Equity capital to assets | 9.9932% | 2,907 |
| Core capital (leverage) ratio | 8.4600% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6312% | 2,493 |
| Memoranda: | ||
| Average total assets | $3,323,211,750 | 348 |
| Average earning assets | $3,126,084,000 | 339 |
| Average equity | $315,028,500 | 386 |
| Average total loans | $2,498,650,750 | 303 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8842% | 1,855 |
| Cost of funding earning assets | 0.4342% | 1,622 |
| Net interest margin | 3.4500% | 2,007 |
| Noninterest income to average assets | 0.6295% | 2,086 |
| Noninterest expense to average assets | 2.1061% | 3,367 |
| Loan and lease loss provision to assets | 0.1311% | 943 |
| Net operating income to assets | 1.3239% | 1,790 |
| Return on assets (ROA) | 1.3235% | 1,859 |
| Pretax return on assets | 1.6356% | 1,640 |
| Return on Equity (ROE) | 14.2324% | 1,345 |
| Retained earnings to average equity (ytd only) | 11.6773% | 981 |
| Net charge-offs to loans | 0.0644% | 973 |
| Credit loss provision to net charge-offs | 263.4804% | 948 |
| Earnings coverage of net charge-offs (x) | 35.5172% | 1,224 |
| Efficiency ratio | 53.5215% | 3,863 |
| Assets per employee ($millions) | 7.5404% | 1,456 |
| Cash dividends to net income (ytd only)* | 17.9527% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5841% | 4,673 |
| Loan loss allowance to noncurrent loans | 178.7441% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2382% | 2,741 |
| Noncurrent loans to loans | 0.3268% | 2,744 |
| Net loans and leases to total assets | 72.3680% | 920 |
| Net loans and leases to deposits | 88.3621% | 755 |
| Net loans and leases to core deposits | 93.4378% | 932 |
| Total domestic deposits to total assets | 81.8993% | 3,946 |
| Equity capital to assets | 9.6488% | 3,201 |
| Core capital (leverage) ratio | 8.5990% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3983% | 2,579 |
| Memoranda: | ||
| Average total assets | $3,280,154,667 | 347 |
| Average earning assets | $3,084,050,667 | 339 |
| Average equity | $305,036,333 | 396 |
| Average total loans | $2,533,673,333 | 300 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 1,833 |
| Cost of funding earning assets | 0.4468% | 1,746 |
| Net interest margin | 3.4515% | 1,958 |
| Noninterest income to average assets | 0.5906% | 2,247 |
| Noninterest expense to average assets | 2.0857% | 3,468 |
| Loan and lease loss provision to assets | 0.1254% | 1,091 |
| Net operating income to assets | 1.3166% | 1,774 |
| Return on assets (ROA) | 1.3159% | 1,858 |
| Pretax return on assets | 1.6171% | 1,677 |
| Return on Equity (ROE) | 14.4442% | 1,341 |
| Retained earnings to average equity (ytd only) | 12.2183% | 1,095 |
| Net charge-offs to loans | 0.1245% | 579 |
| Credit loss provision to net charge-offs | 126.4223% | 1,030 |
| Earnings coverage of net charge-offs (x) | 17.5752% | 1,296 |
| Efficiency ratio | 53.5501% | 3,840 |
| Assets per employee ($millions) | 7.4480% | 1,487 |
| Cash dividends to net income (ytd only)* | 15.4103% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5086% | 4,769 |
| Loan loss allowance to noncurrent loans | 218.5048% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 3,220 |
| Noncurrent loans to loans | 0.2328% | 3,272 |
| Net loans and leases to total assets | 78.6216% | 426 |
| Net loans and leases to deposits | 99.2004% | 312 |
| Net loans and leases to core deposits | 104.6815% | 556 |
| Total domestic deposits to total assets | 79.2553% | 4,304 |
| Equity capital to assets | 8.7331% | 3,926 |
| Core capital (leverage) ratio | 7.8165% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8750% | 2,951 |
| Memoranda: | ||
| Average total assets | $3,189,715,500 | 353 |
| Average earning assets | $2,992,761,500 | 345 |
| Average equity | $290,580,000 | 402 |
| Average total loans | $2,540,812,500 | 299 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3064% | 1,852 |
| Cost of funding earning assets | 0.7288% | 1,570 |
| Net interest margin | 3.5776% | 2,225 |
| Noninterest income to average assets | 0.6209% | 2,135 |
| Noninterest expense to average assets | 2.4751% | 2,926 |
| Loan and lease loss provision to assets | 0.1555% | 2,425 |
| Net operating income to assets | 1.0956% | 1,941 |
| Return on assets (ROA) | 1.1099% | 2,009 |
| Pretax return on assets | 1.3280% | 1,891 |
| Return on Equity (ROE) | 11.2914% | 1,527 |
| Retained earnings to average equity (ytd only) | 8.4519% | 921 |
| Net charge-offs to loans | 0.0151% | 2,810 |
| Credit loss provision to net charge-offs | 1,261.2613% | 658 |
| Earnings coverage of net charge-offs (x) | 118.9159% | 710 |
| Efficiency ratio | 61.4813% | 3,224 |
| Assets per employee ($millions) | 6.3789% | 2,018 |
| Cash dividends to net income (ytd only)* | 25.1476% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5554% | 4,751 |
| Loan loss allowance to noncurrent loans | 88.9347% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 2,046 |
| Noncurrent loans to loans | 0.6245% | 2,131 |
| Net loans and leases to total assets | 79.9239% | 434 |
| Net loans and leases to deposits | 96.2737% | 539 |
| Net loans and leases to core deposits | 102.1367% | 806 |
| Total domestic deposits to total assets | 83.0174% | 3,406 |
| Equity capital to assets | 9.5349% | 3,574 |
| Core capital (leverage) ratio | 7.8684% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8354% | 2,960 |
| Memoranda: | ||
| Average total assets | $2,700,309,000 | 378 |
| Average earning assets | $2,506,401,200 | 369 |
| Average equity | $265,431,400 | 402 |
| Average total loans | $2,202,950,000 | 326 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1665% | 2,475 |
| Cost of funding earning assets | 0.7969% | 1,513 |
| Net interest margin | 3.3696% | 3,001 |
| Noninterest income to average assets | 0.5742% | 2,277 |
| Noninterest expense to average assets | 2.3777% | 3,201 |
| Loan and lease loss provision to assets | 0.1371% | 2,642 |
| Net operating income to assets | 0.9999% | 2,340 |
| Return on assets (ROA) | 1.0175% | 2,399 |
| Pretax return on assets | 1.2014% | 2,382 |
| Return on Equity (ROE) | 10.2634% | 1,927 |
| Retained earnings to average equity (ytd only) | 7.1873% | 1,620 |
| Net charge-offs to loans | 0.0028% | 3,075 |
| Credit loss provision to net charge-offs | 6,000.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 576.7333% | 207 |
| Efficiency ratio | 63.0132% | 2,912 |
| Assets per employee ($millions) | 6.7975% | 1,623 |
| Cash dividends to net income (ytd only)* | 29.9716% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4767% | 4,833 |
| Loan loss allowance to noncurrent loans | 94.3703% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 2,289 |
| Noncurrent loans to loans | 0.5052% | 2,536 |
| Net loans and leases to total assets | 83.2418% | 340 |
| Net loans and leases to deposits | 102.9221% | 419 |
| Net loans and leases to core deposits | 109.1359% | 725 |
| Total domestic deposits to total assets | 80.8784% | 3,685 |
| Equity capital to assets | 8.7887% | 4,264 |
| Core capital (leverage) ratio | 7.3620% | 4,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6729% | 2,994 |
| Memoranda: | ||
| Average total assets | $2,625,871,250 | 374 |
| Average earning assets | $2,432,314,250 | 367 |
| Average equity | $260,323,500 | 397 |
| Average total loans | $2,151,300,750 | 328 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 2,347 |
| Cost of funding earning assets | 0.8904% | 1,416 |
| Net interest margin | 3.4564% | 2,931 |
| Noninterest income to average assets | 0.5004% | 2,557 |
| Noninterest expense to average assets | 2.3774% | 3,318 |
| Loan and lease loss provision to assets | 0.1288% | 2,735 |
| Net operating income to assets | 0.9752% | 2,411 |
| Return on assets (ROA) | 0.9919% | 2,485 |
| Pretax return on assets | 1.2087% | 2,337 |
| Return on Equity (ROE) | 9.5612% | 2,122 |
| Retained earnings to average equity (ytd only) | 6.0857% | 2,042 |
| Net charge-offs to loans | 0.0048% | 2,802 |
| Credit loss provision to net charge-offs | 3,333.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 340.7917% | 299 |
| Efficiency ratio | 62.9340% | 2,965 |
| Assets per employee ($millions) | 6.5352% | 1,754 |
| Cash dividends to net income (ytd only)* | 36.3504% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4485% | 4,878 |
| Loan loss allowance to noncurrent loans | 75.7806% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 2,132 |
| Noncurrent loans to loans | 0.5918% | 2,385 |
| Net loans and leases to total assets | 84.0914% | 245 |
| Net loans and leases to deposits | 105.0137% | 346 |
| Net loans and leases to core deposits | 107.9656% | 821 |
| Total domestic deposits to total assets | 80.0766% | 3,819 |
| Equity capital to assets | 8.9749% | 4,113 |
| Core capital (leverage) ratio | 7.3257% | 4,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6357% | 3,060 |
| Memoranda: | ||
| Average total assets | $2,483,806,000 | 385 |
| Average earning assets | $2,295,336,667 | 377 |
| Average equity | $257,686,000 | 400 |
| Average total loans | $2,017,479,333 | 345 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 2,133 |
| Cost of funding earning assets | 1.1099% | 1,014 |
| Net interest margin | 3.4471% | 3,155 |
| Noninterest income to average assets | 0.4908% | 2,596 |
| Noninterest expense to average assets | 2.6357% | 2,870 |
| Loan and lease loss provision to assets | 0.0971% | 2,471 |
| Net operating income to assets | 0.7853% | 2,955 |
| Return on assets (ROA) | 0.8063% | 2,977 |
| Pretax return on assets | 0.9485% | 3,006 |
| Return on Equity (ROE) | 7.1500% | 2,884 |
| Retained earnings to average equity (ytd only) | 2.5305% | 3,256 |
| Net charge-offs to loans | 0.0114% | 2,178 |
| Credit loss provision to net charge-offs | 1,078.4314% | 541 |
| Earnings coverage of net charge-offs (x) | 113.3529% | 526 |
| Efficiency ratio | 70.5206% | 2,275 |
| Assets per employee ($millions) | 5.2140% | 2,410 |
| Cash dividends to net income (ytd only)* | 64.6080% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5521% | 4,827 |
| Loan loss allowance to noncurrent loans | 93.8519% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 2,376 |
| Noncurrent loans to loans | 0.5883% | 2,535 |
| Net loans and leases to total assets | 78.4422% | 914 |
| Net loans and leases to deposits | 90.6791% | 1,434 |
| Net loans and leases to core deposits | 95.5326% | 1,838 |
| Total domestic deposits to total assets | 86.5052% | 1,777 |
| Equity capital to assets | 11.1357% | 2,744 |
| Core capital (leverage) ratio | 8.5503% | 4,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5804% | 3,207 |
| Memoranda: | ||
| Average total assets | $2,265,090,000 | 405 |
| Average earning assets | $2,080,243,500 | 400 |
| Average equity | $255,440,000 | 404 |
| Average total loans | $1,792,430,500 | 365 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 2,014 |
| Cost of funding earning assets | 1.2222% | 970 |
| Net interest margin | 3.5889% | 3,168 |
| Noninterest income to average assets | 0.4887% | 2,807 |
| Noninterest expense to average assets | 2.6880% | 2,921 |
| Loan and lease loss provision to assets | 0.0641% | 2,748 |
| Net operating income to assets | 0.8358% | 3,430 |
| Return on assets (ROA) | 0.9075% | 3,270 |
| Pretax return on assets | 1.1033% | 3,151 |
| Return on Equity (ROE) | 7.9471% | 3,186 |
| Retained earnings to average equity (ytd only) | 5.0433% | 2,389 |
| Net charge-offs to loans | 0.0161% | 3,140 |
| Credit loss provision to net charge-offs | 511.0294% | 574 |
| Earnings coverage of net charge-offs (x) | 86.0919% | 754 |
| Efficiency ratio | 69.5857% | 2,238 |
| Assets per employee ($millions) | 5.1048% | 2,450 |
| Cash dividends to net income (ytd only)* | 36.5388% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5372% | 4,844 |
| Loan loss allowance to noncurrent loans | 82.9483% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 2,325 |
| Noncurrent loans to loans | 0.6476% | 2,271 |
| Net loans and leases to total assets | 78.9694% | 938 |
| Net loans and leases to deposits | 92.0965% | 1,358 |
| Net loans and leases to core deposits | 97.5318% | 1,773 |
| Total domestic deposits to total assets | 85.7463% | 2,162 |
| Equity capital to assets | 11.4231% | 2,599 |
| Core capital (leverage) ratio | 8.5340% | 4,828 |
| Tier 1 risk-based capital ratio | 10.7980% | 4,924 |
| Total risk-based capital ratio | 11.9119% | 4,890 |
| Memoranda: | ||
| Average total assets | $2,168,097,400 | 400 |
| Average earning assets | $1,981,073,600 | 399 |
| Average equity | $247,575,600 | 395 |
| Average total loans | $1,692,308,400 | 371 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 1,987 |
| Cost of funding earning assets | 1.2101% | 1,013 |
| Net interest margin | 3.6352% | 3,155 |
| Noninterest income to average assets | 0.4779% | 2,862 |
| Noninterest expense to average assets | 2.6315% | 3,073 |
| Loan and lease loss provision to assets | 0.0715% | 2,447 |
| Net operating income to assets | 0.9113% | 3,310 |
| Return on assets (ROA) | 0.9158% | 3,367 |
| Pretax return on assets | 1.0974% | 3,299 |
| Return on Equity (ROE) | 8.0206% | 3,299 |
| Retained earnings to average equity (ytd only) | 5.2195% | 2,785 |
| Net charge-offs to loans | 0.0188% | 2,746 |
| Credit loss provision to net charge-offs | 489.4068% | 643 |
| Earnings coverage of net charge-offs (x) | 79.5929% | 863 |
| Efficiency ratio | 67.5807% | 2,484 |
| Assets per employee ($millions) | 5.4711% | 2,054 |
| Cash dividends to net income (ytd only)* | 34.9229% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5424% | 4,909 |
| Loan loss allowance to noncurrent loans | 189.1190% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 3,682 |
| Noncurrent loans to loans | 0.2868% | 3,514 |
| Net loans and leases to total assets | 75.9685% | 1,488 |
| Net loans and leases to deposits | 90.3667% | 1,655 |
| Net loans and leases to core deposits | 99.8489% | 1,668 |
| Total domestic deposits to total assets | 84.0670% | 2,796 |
| Equity capital to assets | 11.1959% | 2,933 |
| Core capital (leverage) ratio | 8.5244% | 4,940 |
| Tier 1 risk-based capital ratio | 10.9042% | 4,955 |
| Total risk-based capital ratio | 12.0416% | 4,894 |
| Memoranda: | ||
| Average total assets | $2,152,417,250 | 403 |
| Average earning assets | $1,964,107,000 | 402 |
| Average equity | $245,762,250 | 400 |
| Average total loans | $1,672,591,000 | 381 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 1,960 |
| Cost of funding earning assets | 1.1671% | 1,085 |
| Net interest margin | 3.6653% | 3,047 |
| Noninterest income to average assets | 0.4453% | 2,981 |
| Noninterest expense to average assets | 2.6506% | 3,059 |
| Loan and lease loss provision to assets | 0.0557% | 2,713 |
| Net operating income to assets | 0.8941% | 3,308 |
| Return on assets (ROA) | 0.8949% | 3,371 |
| Pretax return on assets | 1.0927% | 3,255 |
| Return on Equity (ROE) | 7.7837% | 3,387 |
| Retained earnings to average equity (ytd only) | 4.7989% | 2,869 |
| Net charge-offs to loans | 0.0261% | 2,335 |
| Credit loss provision to net charge-offs | 273.1481% | 953 |
| Earnings coverage of net charge-offs (x) | 56.3194% | 1,024 |
| Efficiency ratio | 68.0152% | 2,528 |
| Assets per employee ($millions) | 5.1097% | 2,349 |
| Cash dividends to net income (ytd only)* | 38.3472% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5171% | 4,997 |
| Loan loss allowance to noncurrent loans | 142.2709% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 3,308 |
| Noncurrent loans to loans | 0.3634% | 3,226 |
| Net loans and leases to total assets | 79.0103% | 1,039 |
| Net loans and leases to deposits | 94.8529% | 1,169 |
| Net loans and leases to core deposits | 105.8637% | 1,251 |
| Total domestic deposits to total assets | 83.2977% | 3,115 |
| Equity capital to assets | 11.6148% | 2,509 |
| Core capital (leverage) ratio | 8.5942% | 4,917 |
| Tier 1 risk-based capital ratio | 10.7869% | 4,997 |
| Total risk-based capital ratio | 11.9060% | 4,964 |
| Memoranda: | ||
| Average total assets | $2,120,354,330 | 406 |
| Average earning assets | $1,939,557,330 | 405 |
| Average equity | $243,765,670 | 401 |
| Average total loans | $1,657,605,000 | 387 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7243% | 2,140 |
| Cost of funding earning assets | 1.1002% | 1,183 |
| Net interest margin | 3.6241% | 3,163 |
| Noninterest income to average assets | 0.3675% | 3,393 |
| Noninterest expense to average assets | 2.6195% | 3,157 |
| Loan and lease loss provision to assets | 0.0237% | 3,122 |
| Net operating income to assets | 0.8625% | 3,387 |
| Return on assets (ROA) | 0.8647% | 3,428 |
| Pretax return on assets | 1.0482% | 3,288 |
| Return on Equity (ROE) | 7.5609% | 3,428 |
| Retained earnings to average equity (ytd only) | 4.0611% | 3,293 |
| Net charge-offs to loans | 0.0049% | 2,529 |
| Credit loss provision to net charge-offs | 625.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 282.3500% | 287 |
| Efficiency ratio | 69.1767% | 2,477 |
| Assets per employee ($millions) | 5.2124% | 2,271 |
| Cash dividends to net income (ytd only)* | 46.2886% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5150% | 5,064 |
| Loan loss allowance to noncurrent loans | 127.7536% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 3,292 |
| Noncurrent loans to loans | 0.4032% | 3,141 |
| Net loans and leases to total assets | 76.4709% | 1,401 |
| Net loans and leases to deposits | 91.9961% | 1,400 |
| Net loans and leases to core deposits | 104.5267% | 1,274 |
| Total domestic deposits to total assets | 83.1240% | 3,344 |
| Equity capital to assets | 11.3572% | 2,518 |
| Core capital (leverage) ratio | 8.5765% | 4,960 |
| Tier 1 risk-based capital ratio | 10.9634% | 4,994 |
| Total risk-based capital ratio | 12.1084% | 4,941 |
| Memoranda: | ||
| Average total assets | $2,112,606,500 | 410 |
| Average earning assets | $1,936,035,000 | 409 |
| Average equity | $241,611,000 | 405 |
| Average total loans | $1,638,251,500 | 392 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 2,181 |
| Cost of funding earning assets | 0.7862% | 1,602 |
| Net interest margin | 3.7956% | 2,673 |
| Noninterest income to average assets | 0.4477% | 3,117 |
| Noninterest expense to average assets | 2.8006% | 2,691 |
| Loan and lease loss provision to assets | 0.0309% | 3,570 |
| Net operating income to assets | 0.9228% | 3,353 |
| Return on assets (ROA) | 0.9290% | 3,325 |
| Pretax return on assets | 1.1358% | 3,150 |
| Return on Equity (ROE) | 8.5877% | 3,186 |
| Retained earnings to average equity (ytd only) | 2.4015% | 4,180 |
| Net charge-offs to loans | -0.0236% | 4,741 |
| Credit loss provision to net charge-offs | -171.8213% | 4,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8182% | 2,419 |
| Assets per employee ($millions) | 5.1428% | 2,331 |
| Cash dividends to net income (ytd only)* | 72.0354% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5165% | 5,101 |
| Loan loss allowance to noncurrent loans | 78.1189% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 2,342 |
| Noncurrent loans to loans | 0.6612% | 2,342 |
| Net loans and leases to total assets | 77.8448% | 1,294 |
| Net loans and leases to deposits | 93.6179% | 1,324 |
| Net loans and leases to core deposits | 107.4714% | 1,162 |
| Total domestic deposits to total assets | 83.1517% | 3,277 |
| Equity capital to assets | 11.5187% | 2,243 |
| Core capital (leverage) ratio | 8.8969% | 4,740 |
| Tier 1 risk-based capital ratio | 11.0655% | 4,944 |
| Total risk-based capital ratio | 11.6167% | 5,133 |
| Memoranda: | ||
| Average total assets | $1,619,383,200 | 506 |
| Average earning assets | $1,498,437,000 | 498 |
| Average equity | $175,180,800 | 500 |
| Average total loans | $1,230,765,400 | 474 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 2,550 |
| Cost of funding earning assets | 0.7051% | 1,819 |
| Net interest margin | 3.7197% | 2,945 |
| Noninterest income to average assets | 0.4599% | 3,101 |
| Noninterest expense to average assets | 2.8151% | 2,588 |
| Loan and lease loss provision to assets | 0.0199% | 3,607 |
| Net operating income to assets | 0.8709% | 3,658 |
| Return on assets (ROA) | 0.8790% | 3,633 |
| Pretax return on assets | 1.0823% | 3,463 |
| Return on Equity (ROE) | 8.3117% | 3,413 |
| Retained earnings to average equity (ytd only) | 1.1335% | 4,819 |
| Net charge-offs to loans | -0.0469% | 4,911 |
| Credit loss provision to net charge-offs | -56.5327% | 4,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1490% | 2,166 |
| Assets per employee ($millions) | 5.3598% | 2,071 |
| Cash dividends to net income (ytd only)* | 86.3622% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5240% | 5,160 |
| Loan loss allowance to noncurrent loans | 79.4996% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 2,511 |
| Noncurrent loans to loans | 0.6591% | 2,435 |
| Net loans and leases to total assets | 76.5020% | 1,584 |
| Net loans and leases to deposits | 88.4104% | 2,099 |
| Net loans and leases to core deposits | 96.9735% | 2,028 |
| Total domestic deposits to total assets | 86.5306% | 1,960 |
| Equity capital to assets | 11.5155% | 2,253 |
| Core capital (leverage) ratio | 8.5356% | 5,077 |
| Tier 1 risk-based capital ratio | 11.1704% | 4,960 |
| Total risk-based capital ratio | 11.7269% | 5,162 |
| Memoranda: | ||
| Average total assets | $1,504,807,500 | 537 |
| Average earning assets | $1,394,640,750 | 527 |
| Average equity | $159,145,250 | 541 |
| Average total loans | $1,132,014,750 | 504 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 2,689 |
| Cost of funding earning assets | 0.6378% | 1,999 |
| Net interest margin | 3.6866% | 2,985 |
| Noninterest income to average assets | 0.4678% | 3,047 |
| Noninterest expense to average assets | 2.7848% | 2,706 |
| Loan and lease loss provision to assets | 0.0189% | 3,521 |
| Net operating income to assets | 0.9076% | 3,426 |
| Return on assets (ROA) | 0.9186% | 3,387 |
| Pretax return on assets | 1.1114% | 3,265 |
| Return on Equity (ROE) | 9.1011% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.0564% | 2,050 |
| Net charge-offs to loans | -0.0929% | 5,135 |
| Credit loss provision to net charge-offs | -27.2926% | 3,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4544% | 2,405 |
| Assets per employee ($millions) | 4.5372% | 3,077 |
| Cash dividends to net income (ytd only)* | 22.4667% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 4,727 |
| Loan loss allowance to noncurrent loans | 95.0882% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 2,217 |
| Noncurrent loans to loans | 0.8299% | 2,065 |
| Net loans and leases to total assets | 72.7226% | 2,164 |
| Net loans and leases to deposits | 83.0896% | 2,638 |
| Net loans and leases to core deposits | 90.7389% | 2,508 |
| Total domestic deposits to total assets | 87.5231% | 1,635 |
| Equity capital to assets | 11.1096% | 2,535 |
| Core capital (leverage) ratio | 9.5476% | 4,067 |
| Tier 1 risk-based capital ratio | 12.8651% | 3,971 |
| Total risk-based capital ratio | 13.6699% | 4,126 |
| Memoranda: | ||
| Average total assets | $1,325,715,000 | 593 |
| Average earning assets | $1,234,862,330 | 583 |
| Average equity | $133,808,330 | 638 |
| Average total loans | $985,864,670 | 567 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 2,404 |
| Cost of funding earning assets | 0.6235% | 1,891 |
| Net interest margin | 3.7111% | 2,758 |
| Noninterest income to average assets | 0.4831% | 2,913 |
| Noninterest expense to average assets | 2.8952% | 2,385 |
| Loan and lease loss provision to assets | 0.0390% | 2,969 |
| Net operating income to assets | 0.8178% | 3,634 |
| Return on assets (ROA) | 0.8398% | 3,571 |
| Pretax return on assets | 1.0472% | 3,365 |
| Return on Equity (ROE) | 8.8108% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.8108% | 1,534 |
| Net charge-offs to loans | 0.0271% | 1,955 |
| Credit loss provision to net charge-offs | 192.3077% | 1,067 |
| Earnings coverage of net charge-offs (x) | 52.1538% | 926 |
| Efficiency ratio | 71.2875% | 2,303 |
| Assets per employee ($millions) | 4.5762% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 4,891 |
| Loan loss allowance to noncurrent loans | 62.1584% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 1,684 |
| Noncurrent loans to loans | 1.2229% | 1,483 |
| Net loans and leases to total assets | 71.9408% | 2,175 |
| Net loans and leases to deposits | 82.3814% | 2,562 |
| Net loans and leases to core deposits | 88.6409% | 2,578 |
| Total domestic deposits to total assets | 87.3266% | 1,994 |
| Equity capital to assets | 11.1111% | 2,473 |
| Core capital (leverage) ratio | 9.6562% | 3,899 |
| Tier 1 risk-based capital ratio | 13.1376% | 3,883 |
| Total risk-based capital ratio | 13.9175% | 4,037 |
| Memoranda: | ||
| Average total assets | $1,280,762,500 | 615 |
| Average earning assets | $1,197,818,500 | 603 |
| Average equity | $122,077,500 | 706 |
| Average total loans | $959,965,000 | 579 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 2,642 |
| Cost of funding earning assets | 0.5657% | 1,849 |
| Net interest margin | 3.6461% | 2,997 |
| Noninterest income to average assets | 0.5022% | 2,984 |
| Noninterest expense to average assets | 2.6894% | 3,161 |
| Loan and lease loss provision to assets | 0.0293% | 3,688 |
| Net operating income to assets | 0.7668% | 3,314 |
| Return on assets (ROA) | 0.7692% | 3,345 |
| Pretax return on assets | 1.2159% | 2,706 |
| Return on Equity (ROE) | 10.3419% | 1,754 |
| Retained earnings to average equity (ytd only) | -1.3788% | 5,217 |
| Net charge-offs to loans | -0.0114% | 4,816 |
| Credit loss provision to net charge-offs | -331.6327% | 4,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1786% | 2,859 |
| Assets per employee ($millions) | 4.5014% | 3,178 |
| Cash dividends to net income (ytd only)* | 113.3318% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,719 |
| Loan loss allowance to noncurrent loans | 71.9243% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.9197% | 1,680 |
| Noncurrent loans to loans | 1.1602% | 1,530 |
| Net loans and leases to total assets | 77.2277% | 1,387 |
| Net loans and leases to deposits | 87.8972% | 2,031 |
| Net loans and leases to core deposits | 94.3493% | 2,163 |
| Total domestic deposits to total assets | 87.8615% | 1,574 |
| Equity capital to assets | 7.6541% | 5,506 |
| Core capital (leverage) ratio | 7.7035% | 5,519 |
| Tier 1 risk-based capital ratio | 10.0213% | 5,529 |
| Total risk-based capital ratio | 10.8965% | 5,564 |
| Memoranda: | ||
| Average total assets | $1,107,712,800 | 670 |
| Average earning assets | $1,041,666,800 | 650 |
| Average equity | $82,393,000 | 981 |
| Average total loans | $861,484,200 | 610 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 2,516 |
| Cost of funding earning assets | 0.5442% | 1,937 |
| Net interest margin | 3.6869% | 2,794 |
| Noninterest income to average assets | 0.5167% | 2,926 |
| Noninterest expense to average assets | 2.7530% | 2,884 |
| Loan and lease loss provision to assets | 0.0275% | 3,582 |
| Net operating income to assets | 0.8785% | 3,135 |
| Return on assets (ROA) | 0.8822% | 3,162 |
| Pretax return on assets | 1.2069% | 2,878 |
| Return on Equity (ROE) | 11.9539% | 1,347 |
| Retained earnings to average equity (ytd only) | 8.8025% | 912 |
| Net charge-offs to loans | -0.0148% | 4,752 |
| Credit loss provision to net charge-offs | -239.3617% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9334% | 2,723 |
| Assets per employee ($millions) | 4.6667% | 2,882 |
| Cash dividends to net income (ytd only)* | 26.3632% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 4,748 |
| Loan loss allowance to noncurrent loans | 93.8336% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6965% | 2,418 |
| Noncurrent loans to loans | 0.9094% | 2,110 |
| Net loans and leases to total assets | 75.6207% | 1,656 |
| Net loans and leases to deposits | 84.8910% | 2,451 |
| Net loans and leases to core deposits | 92.1472% | 2,421 |
| Total domestic deposits to total assets | 89.0798% | 843 |
| Equity capital to assets | 7.2981% | 5,636 |
| Core capital (leverage) ratio | 7.3641% | 5,631 |
| Tier 1 risk-based capital ratio | 9.7188% | 5,646 |
| Total risk-based capital ratio | 10.6191% | 5,670 |
| Memoranda: | ||
| Average total assets | $1,092,052,500 | 683 |
| Average earning assets | $1,026,489,250 | 664 |
| Average equity | $80,596,250 | 1,008 |
| Average total loans | $848,994,250 | 618 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 2,291 |
| Cost of funding earning assets | 0.5269% | 1,944 |
| Net interest margin | 3.7231% | 2,571 |
| Noninterest income to average assets | 0.5019% | 3,011 |
| Noninterest expense to average assets | 2.7801% | 2,828 |
| Loan and lease loss provision to assets | 0.0420% | 3,160 |
| Net operating income to assets | 0.8755% | 3,044 |
| Return on assets (ROA) | 0.8783% | 3,083 |
| Pretax return on assets | 1.1858% | 2,822 |
| Return on Equity (ROE) | 11.8534% | 1,344 |
| Retained earnings to average equity (ytd only) | 8.4412% | 1,016 |
| Net charge-offs to loans | -0.0727% | 5,312 |
| Credit loss provision to net charge-offs | -73.7705% | 4,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2250% | 2,813 |
| Assets per employee ($millions) | 4.3921% | 3,281 |
| Cash dividends to net income (ytd only)* | 28.7869% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 4,670 |
| Loan loss allowance to noncurrent loans | 146.2180% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 3,207 |
| Noncurrent loans to loans | 0.6101% | 2,897 |
| Net loans and leases to total assets | 77.1198% | 1,373 |
| Net loans and leases to deposits | 86.7530% | 2,139 |
| Net loans and leases to core deposits | 93.7163% | 2,178 |
| Total domestic deposits to total assets | 88.8958% | 1,011 |
| Equity capital to assets | 7.3941% | 5,671 |
| Core capital (leverage) ratio | 7.3652% | 5,671 |
| Tier 1 risk-based capital ratio | 9.5111% | 5,709 |
| Total risk-based capital ratio | 10.4392% | 5,726 |
| Memoranda: | ||
| Average total assets | $1,071,844,330 | 698 |
| Average earning assets | $1,008,239,000 | 678 |
| Average equity | $79,420,330 | 1,023 |
| Average total loans | $838,937,670 | 629 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 2,071 |
| Cost of funding earning assets | 0.5191% | 1,943 |
| Net interest margin | 3.7405% | 2,353 |
| Noninterest income to average assets | 0.5117% | 2,902 |
| Noninterest expense to average assets | 2.8353% | 2,667 |
| Loan and lease loss provision to assets | 0.0475% | 2,863 |
| Net operating income to assets | 0.8444% | 3,018 |
| Return on assets (ROA) | 0.8466% | 3,050 |
| Pretax return on assets | 1.1550% | 2,759 |
| Return on Equity (ROE) | 11.4134% | 1,431 |
| Retained earnings to average equity (ytd only) | 8.5998% | 1,235 |
| Net charge-offs to loans | -0.1511% | 5,569 |
| Credit loss provision to net charge-offs | -40.0641% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0556% | 2,882 |
| Assets per employee ($millions) | 4.4680% | 3,219 |
| Cash dividends to net income (ytd only)* | 24.6520% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 4,716 |
| Loan loss allowance to noncurrent loans | 153.1043% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 3,314 |
| Noncurrent loans to loans | 0.5952% | 3,036 |
| Net loans and leases to total assets | 77.2758% | 1,234 |
| Net loans and leases to deposits | 85.2332% | 2,124 |
| Net loans and leases to core deposits | 90.3516% | 2,323 |
| Total domestic deposits to total assets | 90.6640% | 404 |
| Equity capital to assets | 7.3736% | 5,707 |
| Core capital (leverage) ratio | 7.4498% | 5,715 |
| Tier 1 risk-based capital ratio | 9.6273% | 5,761 |
| Total risk-based capital ratio | 10.5763% | 5,780 |
| Memoranda: | ||
| Average total assets | $1,052,161,500 | 710 |
| Average earning assets | $991,002,500 | 693 |
| Average equity | $78,048,500 | 1,033 |
| Average total loans | $826,068,500 | 641 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 2,219 |
| Cost of funding earning assets | 0.5292% | 1,873 |
| Net interest margin | 3.7486% | 2,514 |
| Noninterest income to average assets | 0.4681% | 3,425 |
| Noninterest expense to average assets | 2.8518% | 2,839 |
| Loan and lease loss provision to assets | 0.1878% | 1,254 |
| Net operating income to assets | 0.7410% | 3,585 |
| Return on assets (ROA) | 0.8219% | 3,298 |
| Pretax return on assets | 1.0702% | 3,217 |
| Return on Equity (ROE) | 10.3958% | 1,806 |
| Retained earnings to average equity (ytd only) | 6.7480% | 1,335 |
| Net charge-offs to loans | 0.1107% | 2,161 |
| Credit loss provision to net charge-offs | 218.7135% | 1,307 |
| Earnings coverage of net charge-offs (x) | 13.4246% | 2,371 |
| Efficiency ratio | 70.9699% | 2,754 |
| Assets per employee ($millions) | 4.2470% | 3,532 |
| Cash dividends to net income (ytd only)* | 35.0892% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 4,857 |
| Loan loss allowance to noncurrent loans | 152.2790% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 3,343 |
| Noncurrent loans to loans | 0.5781% | 3,111 |
| Net loans and leases to total assets | 78.3612% | 1,151 |
| Net loans and leases to deposits | 86.3817% | 2,120 |
| Net loans and leases to core deposits | 91.2649% | 2,365 |
| Total domestic deposits to total assets | 90.7150% | 383 |
| Equity capital to assets | 7.4639% | 5,723 |
| Core capital (leverage) ratio | 7.4120% | 5,766 |
| Tier 1 risk-based capital ratio | 9.9658% | 5,746 |
| Total risk-based capital ratio | 10.9107% | 5,785 |
| Memoranda: | ||
| Average total assets | $995,535,000 | 727 |
| Average earning assets | $939,263,800 | 702 |
| Average equity | $78,705,200 | 1,008 |
| Average total loans | $772,432,200 | 650 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 2,339 |
| Cost of funding earning assets | 0.5256% | 1,904 |
| Net interest margin | 3.7236% | 2,625 |
| Noninterest income to average assets | 0.4700% | 3,427 |
| Noninterest expense to average assets | 2.8050% | 2,992 |
| Loan and lease loss provision to assets | 0.1784% | 1,251 |
| Net operating income to assets | 0.7703% | 3,513 |
| Return on assets (ROA) | 0.8133% | 3,441 |
| Pretax return on assets | 1.0550% | 3,410 |
| Return on Equity (ROE) | 10.1391% | 1,996 |
| Retained earnings to average equity (ytd only) | 6.8700% | 1,691 |
| Net charge-offs to loans | 0.0011% | 3,914 |
| Credit loss provision to net charge-offs | 22,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 1,451.9638% | 40 |
| Efficiency ratio | 70.1840% | 2,861 |
| Assets per employee ($millions) | 4.4918% | 3,100 |
| Cash dividends to net income (ytd only)* | 32.2419% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 4,683 |
| Loan loss allowance to noncurrent loans | 144.5239% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 3,280 |
| Noncurrent loans to loans | 0.6541% | 3,061 |
| Net loans and leases to total assets | 75.2329% | 1,666 |
| Net loans and leases to deposits | 83.5248% | 2,539 |
| Net loans and leases to core deposits | 88.0511% | 2,752 |
| Total domestic deposits to total assets | 90.0725% | 457 |
| Equity capital to assets | 7.8313% | 5,787 |
| Core capital (leverage) ratio | 7.4271% | 5,837 |
| Tier 1 risk-based capital ratio | 10.0490% | 5,777 |
| Total risk-based capital ratio | 11.0565% | 5,815 |
| Memoranda: | ||
| Average total assets | $986,415,250 | 736 |
| Average earning assets | $930,515,000 | 710 |
| Average equity | $79,124,250 | 1,003 |
| Average total loans | $761,569,750 | 657 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 2,212 |
| Cost of funding earning assets | 0.5285% | 1,877 |
| Net interest margin | 3.7542% | 2,503 |
| Noninterest income to average assets | 0.4720% | 3,394 |
| Noninterest expense to average assets | 2.8215% | 2,959 |
| Loan and lease loss provision to assets | 0.1519% | 1,506 |
| Net operating income to assets | 0.7970% | 3,324 |
| Return on assets (ROA) | 0.8309% | 3,304 |
| Pretax return on assets | 1.0816% | 3,275 |
| Return on Equity (ROE) | 10.2713% | 1,937 |
| Retained earnings to average equity (ytd only) | 6.6134% | 1,805 |
| Net charge-offs to loans | -0.0024% | 4,389 |
| Credit loss provision to net charge-offs | -8,166.6667% | 5,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0927% | 2,969 |
| Assets per employee ($millions) | 4.3821% | 3,245 |
| Cash dividends to net income (ytd only)* | 35.6130% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,964 |
| Loan loss allowance to noncurrent loans | 169.9115% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 3,689 |
| Noncurrent loans to loans | 0.5289% | 3,497 |
| Net loans and leases to total assets | 75.3004% | 1,594 |
| Net loans and leases to deposits | 85.2763% | 2,325 |
| Net loans and leases to core deposits | 89.8192% | 2,548 |
| Total domestic deposits to total assets | 88.3016% | 1,273 |
| Equity capital to assets | 7.9943% | 5,811 |
| Core capital (leverage) ratio | 7.5804% | 5,861 |
| Tier 1 risk-based capital ratio | 10.1284% | 5,807 |
| Total risk-based capital ratio | 11.0860% | 5,855 |
| Memoranda: | ||
| Average total assets | $967,853,670 | 750 |
| Average earning assets | $912,359,330 | 725 |
| Average equity | $78,295,670 | 1,017 |
| Average total loans | $751,598,330 | 664 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 1,961 |
| Cost of funding earning assets | 0.5315% | 1,856 |
| Net interest margin | 3.8191% | 2,226 |
| Noninterest income to average assets | 0.4767% | 3,290 |
| Noninterest expense to average assets | 2.8852% | 2,753 |
| Loan and lease loss provision to assets | 0.1438% | 1,467 |
| Net operating income to assets | 0.8058% | 3,212 |
| Return on assets (ROA) | 0.8058% | 3,330 |
| Pretax return on assets | 1.0435% | 3,308 |
| Return on Equity (ROE) | 9.8985% | 2,028 |
| Retained earnings to average equity (ytd only) | 5.0921% | 2,876 |
| Net charge-offs to loans | 0.0372% | 2,241 |
| Credit loss provision to net charge-offs | 492.7536% | 625 |
| Earnings coverage of net charge-offs (x) | 40.6812% | 1,001 |
| Efficiency ratio | 70.5858% | 3,031 |
| Assets per employee ($millions) | 4.2491% | 3,495 |
| Cash dividends to net income (ytd only)* | 48.5564% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 5,180 |
| Loan loss allowance to noncurrent loans | 171.1135% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 3,698 |
| Noncurrent loans to loans | 0.5041% | 3,668 |
| Net loans and leases to total assets | 77.0611% | 1,239 |
| Net loans and leases to deposits | 88.8268% | 1,719 |
| Net loans and leases to core deposits | 93.5282% | 2,045 |
| Total domestic deposits to total assets | 86.7544% | 2,325 |
| Equity capital to assets | 8.0840% | 5,791 |
| Core capital (leverage) ratio | 7.7506% | 5,864 |
| Tier 1 risk-based capital ratio | 10.3246% | 5,816 |
| Total risk-based capital ratio | 11.2558% | 5,864 |
| Memoranda: | ||
| Average total assets | $945,647,500 | 765 |
| Average earning assets | $890,369,000 | 745 |
| Average equity | $76,981,500 | 1,036 |
| Average total loans | $742,821,500 | 671 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 1,811 |
| Cost of funding earning assets | 0.5564% | 1,706 |
| Net interest margin | 3.8704% | 2,133 |
| Noninterest income to average assets | 0.4153% | 3,921 |
| Noninterest expense to average assets | 2.9524% | 2,695 |
| Loan and lease loss provision to assets | 0.1212% | 1,977 |
| Net operating income to assets | 0.7683% | 3,476 |
| Return on assets (ROA) | 0.7975% | 3,433 |
| Pretax return on assets | 1.0067% | 3,444 |
| Return on Equity (ROE) | 9.8312% | 2,069 |
| Retained earnings to average equity (ytd only) | 1.8866% | 4,651 |
| Net charge-offs to loans | 0.2351% | 1,267 |
| Credit loss provision to net charge-offs | 66.0260% | 3,184 |
| Earnings coverage of net charge-offs (x) | 5.9442% | 3,304 |
| Efficiency ratio | 72.7720% | 2,779 |
| Assets per employee ($millions) | 3.9786% | 3,977 |
| Cash dividends to net income (ytd only)* | 80.8104% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8344% | 5,317 |
| Loan loss allowance to noncurrent loans | 137.8940% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6077% | 3,250 |
| Noncurrent loans to loans | 0.6051% | 3,354 |
| Net loans and leases to total assets | 78.7349% | 1,025 |
| Net loans and leases to deposits | 94.2625% | 1,182 |
| Net loans and leases to core deposits | 98.4689% | 1,637 |
| Total domestic deposits to total assets | 83.5273% | 3,655 |
| Equity capital to assets | 8.1990% | 5,760 |
| Core capital (leverage) ratio | 7.7640% | 5,919 |
| Tier 1 risk-based capital ratio | 9.9873% | 5,954 |
| Total risk-based capital ratio | 10.8765% | 6,015 |
| Memoranda: | ||
| Average total assets | $878,907,600 | 782 |
| Average earning assets | $823,859,200 | 759 |
| Average equity | $71,293,400 | 1,068 |
| Average total loans | $686,023,000 | 681 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 1,738 |
| Cost of funding earning assets | 0.5634% | 1,683 |
| Net interest margin | 3.8929% | 2,055 |
| Noninterest income to average assets | 0.4231% | 3,919 |
| Noninterest expense to average assets | 2.9475% | 2,678 |
| Loan and lease loss provision to assets | 0.1332% | 1,683 |
| Net operating income to assets | 0.7847% | 3,497 |
| Return on assets (ROA) | 0.8230% | 3,402 |
| Pretax return on assets | 1.0392% | 3,467 |
| Return on Equity (ROE) | 10.1758% | 2,034 |
| Retained earnings to average equity (ytd only) | 0.5293% | 5,464 |
| Net charge-offs to loans | 0.1183% | 1,935 |
| Credit loss provision to net charge-offs | 144.8911% | 1,728 |
| Earnings coverage of net charge-offs (x) | 12.2261% | 2,426 |
| Efficiency ratio | 72.1644% | 2,847 |
| Assets per employee ($millions) | 4.0833% | 3,733 |
| Cash dividends to net income (ytd only)* | 94.7988% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 4,888 |
| Loan loss allowance to noncurrent loans | 95.1110% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 2,588 |
| Noncurrent loans to loans | 1.0212% | 2,436 |
| Net loans and leases to total assets | 77.8539% | 1,123 |
| Net loans and leases to deposits | 91.8662% | 1,424 |
| Net loans and leases to core deposits | 95.2171% | 1,960 |
| Total domestic deposits to total assets | 84.7470% | 3,112 |
| Equity capital to assets | 8.1933% | 5,878 |
| Core capital (leverage) ratio | 7.7331% | 6,002 |
| Tier 1 risk-based capital ratio | 10.0532% | 6,029 |
| Total risk-based capital ratio | 11.0793% | 6,053 |
| Memoranda: | ||
| Average total assets | $865,884,250 | 800 |
| Average earning assets | $811,476,500 | 774 |
| Average equity | $70,033,500 | 1,094 |
| Average total loans | $672,731,000 | 698 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 1,654 |
| Cost of funding earning assets | 0.5621% | 1,711 |
| Net interest margin | 3.8992% | 1,981 |
| Noninterest income to average assets | 0.4430% | 3,760 |
| Noninterest expense to average assets | 2.9472% | 2,729 |
| Loan and lease loss provision to assets | 0.1412% | 1,545 |
| Net operating income to assets | 0.8082% | 3,340 |
| Return on assets (ROA) | 0.8415% | 3,269 |
| Pretax return on assets | 1.0574% | 3,352 |
| Return on Equity (ROE) | 10.4536% | 1,865 |
| Retained earnings to average equity (ytd only) | -2.1112% | 5,840 |
| Net charge-offs to loans | 0.1415% | 1,654 |
| Credit loss provision to net charge-offs | 129.0323% | 1,706 |
| Earnings coverage of net charge-offs (x) | 10.5699% | 2,355 |
| Efficiency ratio | 71.6088% | 3,051 |
| Assets per employee ($millions) | 3.8082% | 4,244 |
| Cash dividends to net income (ytd only)* | 120.1958% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 4,995 |
| Loan loss allowance to noncurrent loans | 102.4372% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8295% | 2,899 |
| Noncurrent loans to loans | 0.9484% | 2,753 |
| Net loans and leases to total assets | 77.6982% | 1,112 |
| Net loans and leases to deposits | 92.6377% | 1,298 |
| Net loans and leases to core deposits | 96.1470% | 1,784 |
| Total domestic deposits to total assets | 83.8732% | 3,624 |
| Equity capital to assets | 8.1373% | 5,921 |
| Core capital (leverage) ratio | 7.6314% | 6,058 |
| Tier 1 risk-based capital ratio | 10.0603% | 6,069 |
| Total risk-based capital ratio | 11.0805% | 6,089 |
| Memoranda: | ||
| Average total assets | $849,624,000 | 820 |
| Average earning assets | $797,763,330 | 793 |
| Average equity | $68,397,670 | 1,123 |
| Average total loans | $657,279,330 | 715 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 2,441 |
| Cost of funding earning assets | 0.5777% | 1,597 |
| Net interest margin | 3.6265% | 2,903 |
| Noninterest income to average assets | 0.3588% | 4,333 |
| Noninterest expense to average assets | 2.8521% | 3,063 |
| Loan and lease loss provision to assets | 0.1454% | 1,394 |
| Net operating income to assets | 0.6385% | 4,094 |
| Return on assets (ROA) | 0.7098% | 3,875 |
| Pretax return on assets | 0.8557% | 4,042 |
| Return on Equity (ROE) | 8.8687% | 2,512 |
| Retained earnings to average equity (ytd only) | -13.4605% | 6,206 |
| Net charge-offs to loans | 0.2842% | 843 |
| Credit loss provision to net charge-offs | 66.6667% | 1,941 |
| Earnings coverage of net charge-offs (x) | 4.1956% | 2,521 |
| Efficiency ratio | 75.5887% | 2,570 |
| Assets per employee ($millions) | 3.9060% | 4,151 |
| Cash dividends to net income (ytd only)* | 251.7760% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 5,271 |
| Loan loss allowance to noncurrent loans | 85.4725% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9395% | 2,748 |
| Noncurrent loans to loans | 1.1051% | 2,560 |
| Net loans and leases to total assets | 76.9821% | 1,060 |
| Net loans and leases to deposits | 90.6944% | 1,323 |
| Net loans and leases to core deposits | 94.2289% | 1,747 |
| Total domestic deposits to total assets | 84.8808% | 3,466 |
| Equity capital to assets | 8.1436% | 5,970 |
| Core capital (leverage) ratio | 8.4201% | 5,603 |
| Tier 1 risk-based capital ratio | 10.0771% | 6,152 |
| Total risk-based capital ratio | 11.0623% | 6,176 |
| Memoranda: | ||
| Average total assets | $825,068,500 | 854 |
| Average earning assets | $775,514,000 | 829 |
| Average equity | $66,030,000 | 1,164 |
| Average total loans | $633,343,000 | 738 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 2,172 |
| Cost of funding earning assets | 0.6390% | 1,485 |
| Net interest margin | 3.7782% | 2,697 |
| Noninterest income to average assets | 0.3925% | 4,247 |
| Noninterest expense to average assets | 2.6774% | 3,955 |
| Loan and lease loss provision to assets | 0.2192% | 1,121 |
| Net operating income to assets | 0.8408% | 3,171 |
| Return on assets (ROA) | 0.8590% | 3,165 |
| Pretax return on assets | 1.0680% | 3,212 |
| Return on Equity (ROE) | 11.1799% | 1,666 |
| Retained earnings to average equity (ytd only) | 7.0774% | 1,369 |
| Net charge-offs to loans | 0.2187% | 1,919 |
| Credit loss provision to net charge-offs | 132.7586% | 1,790 |
| Earnings coverage of net charge-offs (x) | 7.6576% | 2,998 |
| Efficiency ratio | 67.8291% | 3,928 |
| Assets per employee ($millions) | 3.8952% | 4,177 |
| Cash dividends to net income (ytd only)* | 36.6951% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 4,143 |
| Loan loss allowance to noncurrent loans | 75.4014% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.2535% | 2,247 |
| Noncurrent loans to loans | 1.5584% | 1,878 |
| Net loans and leases to total assets | 74.7449% | 1,456 |
| Net loans and leases to deposits | 88.4594% | 1,678 |
| Net loans and leases to core deposits | 90.6584% | 2,217 |
| Total domestic deposits to total assets | 84.4962% | 3,508 |
| Equity capital to assets | 7.8365% | 6,131 |
| Core capital (leverage) ratio | 7.4635% | 6,214 |
| Tier 1 risk-based capital ratio | 10.1632% | 6,212 |
| Total risk-based capital ratio | 11.3789% | 6,173 |
| Memoranda: | ||
| Average total assets | $737,617,600 | 915 |
| Average earning assets | $692,953,000 | 887 |
| Average equity | $56,673,200 | 1,295 |
| Average total loans | $556,902,000 | 796 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4324% | 2,108 |
| Cost of funding earning assets | 0.6427% | 1,508 |
| Net interest margin | 3.7897% | 2,659 |
| Noninterest income to average assets | 0.3936% | 4,297 |
| Noninterest expense to average assets | 2.6362% | 4,071 |
| Loan and lease loss provision to assets | 0.2213% | 1,032 |
| Net operating income to assets | 0.8692% | 3,077 |
| Return on assets (ROA) | 0.8910% | 3,054 |
| Pretax return on assets | 1.1192% | 3,111 |
| Return on Equity (ROE) | 11.6562% | 1,574 |
| Retained earnings to average equity (ytd only) | 8.8320% | 1,051 |
| Net charge-offs to loans | 0.2706% | 1,449 |
| Credit loss provision to net charge-offs | 108.3704% | 2,060 |
| Earnings coverage of net charge-offs (x) | 6.4301% | 3,088 |
| Efficiency ratio | 66.6467% | 4,108 |
| Assets per employee ($millions) | 4.2232% | 3,432 |
| Cash dividends to net income (ytd only)* | 24.2295% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 4,620 |
| Loan loss allowance to noncurrent loans | 74.4340% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.2378% | 2,481 |
| Noncurrent loans to loans | 1.5159% | 2,138 |
| Net loans and leases to total assets | 73.4893% | 1,599 |
| Net loans and leases to deposits | 86.9430% | 1,797 |
| Net loans and leases to core deposits | 88.8987% | 2,337 |
| Total domestic deposits to total assets | 84.5258% | 3,535 |
| Equity capital to assets | 7.6811% | 6,253 |
| Core capital (leverage) ratio | 7.6313% | 6,236 |
| Tier 1 risk-based capital ratio | 10.2942% | 6,266 |
| Total risk-based capital ratio | 11.4766% | 6,256 |
| Memoranda: | ||
| Average total assets | $733,107,000 | 925 |
| Average earning assets | $687,882,250 | 902 |
| Average equity | $56,037,250 | 1,310 |
| Average total loans | $553,244,250 | 798 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 1,847 |
| Cost of funding earning assets | 0.6568% | 1,458 |
| Net interest margin | 3.8377% | 2,424 |
| Noninterest income to average assets | 0.4068% | 4,195 |
| Noninterest expense to average assets | 2.6726% | 3,968 |
| Loan and lease loss provision to assets | 0.2275% | 1,009 |
| Net operating income to assets | 0.8744% | 2,940 |
| Return on assets (ROA) | 0.9072% | 2,869 |
| Pretax return on assets | 1.1496% | 2,881 |
| Return on Equity (ROE) | 11.8887% | 1,458 |
| Retained earnings to average equity (ytd only) | 9.1686% | 931 |
| Net charge-offs to loans | 0.3681% | 1,110 |
| Credit loss provision to net charge-offs | 81.4668% | 2,312 |
| Earnings coverage of net charge-offs (x) | 4.7830% | 3,045 |
| Efficiency ratio | 66.5815% | 4,268 |
| Assets per employee ($millions) | 3.9174% | 4,019 |
| Cash dividends to net income (ytd only)* | 22.8798% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 4,825 |
| Loan loss allowance to noncurrent loans | 69.4539% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.3455% | 2,434 |
| Noncurrent loans to loans | 1.6088% | 2,157 |
| Net loans and leases to total assets | 73.6607% | 1,482 |
| Net loans and leases to deposits | 85.8218% | 1,832 |
| Net loans and leases to core deposits | 87.4468% | 2,369 |
| Total domestic deposits to total assets | 85.8297% | 3,133 |
| Equity capital to assets | 7.8006% | 6,254 |
| Core capital (leverage) ratio | 7.6170% | 6,269 |
| Tier 1 risk-based capital ratio | 10.2845% | 6,312 |
| Total risk-based capital ratio | 11.4397% | 6,298 |
| Memoranda: | ||
| Average total assets | $722,677,000 | 938 |
| Average earning assets | $678,160,000 | 910 |
| Average equity | $55,145,000 | 1,314 |
| Average total loans | $548,272,000 | 800 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 2,146 |
| Cost of funding earning assets | 0.6596% | 1,517 |
| Net interest margin | 3.7377% | 2,719 |
| Noninterest income to average assets | 0.3672% | 4,447 |
| Noninterest expense to average assets | 2.5740% | 4,364 |
| Loan and lease loss provision to assets | 0.3057% | 625 |
| Net operating income to assets | 0.7941% | 3,184 |
| Return on assets (ROA) | 0.8612% | 2,914 |
| Pretax return on assets | 1.0769% | 3,007 |
| Return on Equity (ROE) | 11.4163% | 1,566 |
| Retained earnings to average equity (ytd only) | 9.4753% | 1,118 |
| Net charge-offs to loans | 0.3218% | 1,103 |
| Credit loss provision to net charge-offs | 124.0363% | 1,425 |
| Earnings coverage of net charge-offs (x) | 5.2698% | 2,394 |
| Efficiency ratio | 66.3636% | 4,471 |
| Assets per employee ($millions) | 3.9475% | 4,052 |
| Cash dividends to net income (ytd only)* | 17.0019% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 4,783 |
| Loan loss allowance to noncurrent loans | 59.7822% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.6455% | 2,145 |
| Noncurrent loans to loans | 1.9544% | 1,926 |
| Net loans and leases to total assets | 75.6236% | 1,047 |
| Net loans and leases to deposits | 89.5420% | 1,202 |
| Net loans and leases to core deposits | 91.2713% | 1,796 |
| Total domestic deposits to total assets | 84.4559% | 4,098 |
| Equity capital to assets | 7.6784% | 6,241 |
| Core capital (leverage) ratio | 7.6027% | 6,302 |
| Tier 1 risk-based capital ratio | 10.1508% | 6,437 |
| Total risk-based capital ratio | 11.3751% | 6,408 |
| Memoranda: | ||
| Average total assets | $715,783,000 | 948 |
| Average earning assets | $671,314,000 | 923 |
| Average equity | $53,993,000 | 1,342 |
| Average total loans | $548,100,500 | 799 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 2,733 |
| Cost of funding earning assets | 0.7611% | 1,432 |
| Net interest margin | 3.5989% | 3,473 |
| Noninterest income to average assets | 0.4829% | 3,869 |
| Noninterest expense to average assets | 2.7546% | 3,890 |
| Loan and lease loss provision to assets | 0.2374% | 1,524 |
| Net operating income to assets | 0.6884% | 3,856 |
| Return on assets (ROA) | 0.7132% | 3,819 |
| Pretax return on assets | 0.8913% | 3,799 |
| Return on Equity (ROE) | 9.7005% | 2,235 |
| Retained earnings to average equity (ytd only) | 7.3295% | 1,303 |
| Net charge-offs to loans | 0.1704% | 3,121 |
| Credit loss provision to net charge-offs | 192.1323% | 1,189 |
| Earnings coverage of net charge-offs (x) | 8.8826% | 2,587 |
| Efficiency ratio | 71.3988% | 3,590 |
| Assets per employee ($millions) | 3.8547% | 4,151 |
| Cash dividends to net income (ytd only)* | 24.4418% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 4,880 |
| Loan loss allowance to noncurrent loans | 58.0767% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.6606% | 2,227 |
| Noncurrent loans to loans | 1.9904% | 1,997 |
| Net loans and leases to total assets | 75.7441% | 1,111 |
| Net loans and leases to deposits | 88.7531% | 1,380 |
| Net loans and leases to core deposits | 90.6936% | 1,938 |
| Total domestic deposits to total assets | 85.3425% | 3,577 |
| Equity capital to assets | 7.4070% | 6,326 |
| Core capital (leverage) ratio | 7.5030% | 6,367 |
| Tier 1 risk-based capital ratio | 9.9084% | 6,539 |
| Total risk-based capital ratio | 11.1154% | 6,512 |
| Memoranda: | ||
| Average total assets | $709,658,000 | 933 |
| Average earning assets | $664,403,400 | 907 |
| Average equity | $52,172,600 | 1,359 |
| Average total loans | $514,616,400 | 827 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 2,716 |
| Cost of funding earning assets | 0.7930% | 1,369 |
| Net interest margin | 3.5712% | 3,570 |
| Noninterest income to average assets | 0.4989% | 3,812 |
| Noninterest expense to average assets | 2.7501% | 3,829 |
| Loan and lease loss provision to assets | 0.2793% | 1,247 |
| Net operating income to assets | 0.6508% | 4,119 |
| Return on assets (ROA) | 0.6843% | 4,075 |
| Pretax return on assets | 0.8491% | 4,095 |
| Return on Equity (ROE) | 9.3261% | 2,470 |
| Retained earnings to average equity (ytd only) | 7.7239% | 1,537 |
| Net charge-offs to loans | 0.3161% | 1,961 |
| Credit loss provision to net charge-offs | 123.6470% | 1,904 |
| Earnings coverage of net charge-offs (x) | 4.8118% | 3,345 |
| Efficiency ratio | 71.5623% | 3,494 |
| Assets per employee ($millions) | 3.6929% | 4,464 |
| Cash dividends to net income (ytd only)* | 17.1797% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 5,343 |
| Loan loss allowance to noncurrent loans | 53.2200% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 1.8528% | 2,195 |
| Noncurrent loans to loans | 2.0594% | 2,183 |
| Net loans and leases to total assets | 74.8968% | 1,143 |
| Net loans and leases to deposits | 84.1836% | 1,858 |
| Net loans and leases to core deposits | 86.0244% | 2,408 |
| Total domestic deposits to total assets | 88.9685% | 1,568 |
| Equity capital to assets | 7.5146% | 6,391 |
| Core capital (leverage) ratio | 7.4678% | 6,460 |
| Tier 1 risk-based capital ratio | 9.9907% | 6,600 |
| Total risk-based capital ratio | 11.1256% | 6,589 |
| Memoranda: | ||
| Average total assets | $708,793,000 | 940 |
| Average earning assets | $662,585,000 | 918 |
| Average equity | $52,010,500 | 1,375 |
| Average total loans | $506,655,000 | 836 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2173% | 3,296 |
| Cost of funding earning assets | 0.8252% | 1,284 |
| Net interest margin | 3.3921% | 4,213 |
| Noninterest income to average assets | 0.5342% | 3,608 |
| Noninterest expense to average assets | 2.7636% | 3,805 |
| Loan and lease loss provision to assets | 0.2555% | 1,449 |
| Net operating income to assets | 0.5730% | 4,429 |
| Return on assets (ROA) | 0.5991% | 4,470 |
| Pretax return on assets | 0.7190% | 4,620 |
| Return on Equity (ROE) | 8.2292% | 2,974 |
| Retained earnings to average equity (ytd only) | 6.8332% | 1,965 |
| Net charge-offs to loans | 0.0609% | 3,834 |
| Credit loss provision to net charge-offs | 598.6842% | 487 |
| Earnings coverage of net charge-offs (x) | 22.0987% | 1,387 |
| Efficiency ratio | 74.4528% | 3,040 |
| Assets per employee ($millions) | 3.5282% | 4,795 |
| Cash dividends to net income (ytd only)* | 16.9634% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 4,943 |
| Loan loss allowance to noncurrent loans | 40.7981% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 2.3229% | 1,860 |
| Noncurrent loans to loans | 2.9617% | 1,507 |
| Net loans and leases to total assets | 72.6144% | 1,459 |
| Net loans and leases to deposits | 83.9878% | 1,806 |
| Net loans and leases to core deposits | 86.0532% | 2,331 |
| Total domestic deposits to total assets | 86.4583% | 3,135 |
| Equity capital to assets | 7.2260% | 6,539 |
| Core capital (leverage) ratio | 7.2441% | 6,548 |
| Tier 1 risk-based capital ratio | 9.8013% | 6,677 |
| Total risk-based capital ratio | 11.0343% | 6,660 |
| Memoranda: | ||
| Average total assets | $712,402,670 | 937 |
| Average earning assets | $666,263,330 | 906 |
| Average equity | $51,864,330 | 1,385 |
| Average total loans | $499,358,000 | 845 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1240% | 3,626 |
| Cost of funding earning assets | 0.8584% | 1,213 |
| Net interest margin | 3.2656% | 4,653 |
| Noninterest income to average assets | 0.4851% | 3,884 |
| Noninterest expense to average assets | 2.7874% | 3,742 |
| Loan and lease loss provision to assets | 0.2766% | 1,272 |
| Net operating income to assets | 0.4091% | 5,091 |
| Return on assets (ROA) | 0.4091% | 5,241 |
| Pretax return on assets | 0.4739% | 5,349 |
| Return on Equity (ROE) | 5.5983% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.2159% | 3,105 |
| Net charge-offs to loans | 0.1095% | 2,780 |
| Credit loss provision to net charge-offs | 369.4030% | 685 |
| Earnings coverage of net charge-offs (x) | 10.0224% | 1,780 |
| Efficiency ratio | 78.6764% | 2,507 |
| Assets per employee ($millions) | 3.7637% | 4,424 |
| Cash dividends to net income (ytd only)* | 6.8306% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 5,243 |
| Loan loss allowance to noncurrent loans | 49.7373% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 1.7310% | 2,693 |
| Noncurrent loans to loans | 2.3833% | 2,177 |
| Net loans and leases to total assets | 67.3632% | 2,126 |
| Net loans and leases to deposits | 76.4285% | 2,563 |
| Net loans and leases to core deposits | 77.9447% | 3,071 |
| Total domestic deposits to total assets | 88.1388% | 2,233 |
| Equity capital to assets | 7.2194% | 6,671 |
| Core capital (leverage) ratio | 7.1040% | 6,612 |
| Tier 1 risk-based capital ratio | 9.7308% | 6,731 |
| Total risk-based capital ratio | 10.9036% | 6,725 |
| Memoranda: | ||
| Average total assets | $715,787,500 | 944 |
| Average earning assets | $669,164,000 | 908 |
| Average equity | $52,302,000 | 1,391 |
| Average total loans | $489,708,000 | 864 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 3,240 |
| Cost of funding earning assets | 1.0660% | 1,049 |
| Net interest margin | 3.4745% | 4,606 |
| Noninterest income to average assets | 0.4688% | 4,108 |
| Noninterest expense to average assets | 2.7215% | 4,327 |
| Loan and lease loss provision to assets | 0.1455% | 3,783 |
| Net operating income to assets | 0.6859% | 3,806 |
| Return on assets (ROA) | 0.7155% | 3,921 |
| Pretax return on assets | 0.9006% | 3,916 |
| Return on Equity (ROE) | 9.3622% | 2,459 |
| Retained earnings to average equity (ytd only) | -2.8243% | 6,250 |
| Net charge-offs to loans | 0.4741% | 2,341 |
| Credit loss provision to net charge-offs | 45.0631% | 4,813 |
| Earnings coverage of net charge-offs (x) | 3.1240% | 3,871 |
| Efficiency ratio | 72.7909% | 3,275 |
| Assets per employee ($millions) | 3.7509% | 4,468 |
| Cash dividends to net income (ytd only)* | 130.1668% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 5,392 |
| Loan loss allowance to noncurrent loans | 46.5641% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 1.7973% | 2,716 |
| Noncurrent loans to loans | 2.4433% | 2,170 |
| Net loans and leases to total assets | 67.8854% | 2,199 |
| Net loans and leases to deposits | 76.5240% | 2,714 |
| Net loans and leases to core deposits | 78.4073% | 3,208 |
| Total domestic deposits to total assets | 88.7113% | 1,760 |
| Equity capital to assets | 7.3970% | 6,672 |
| Core capital (leverage) ratio | 6.9388% | 6,720 |
| Tier 1 risk-based capital ratio | 9.9556% | 6,713 |
| Total risk-based capital ratio | 11.0987% | 6,704 |
| Memoranda: | ||
| Average total assets | $712,064,400 | 923 |
| Average earning assets | $668,381,800 | 899 |
| Average equity | $54,421,200 | 1,312 |
| Average total loans | $484,960,200 | 848 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 3,268 |
| Cost of funding earning assets | 1.1106% | 1,027 |
| Net interest margin | 3.4751% | 4,734 |
| Noninterest income to average assets | 0.4403% | 4,363 |
| Noninterest expense to average assets | 2.7105% | 4,319 |
| Loan and lease loss provision to assets | 0.1261% | 3,975 |
| Net operating income to assets | 0.6820% | 3,997 |
| Return on assets (ROA) | 0.7214% | 4,067 |
| Pretax return on assets | 0.9168% | 4,039 |
| Return on Equity (ROE) | 9.3646% | 2,649 |
| Retained earnings to average equity (ytd only) | 7.0659% | 2,088 |
| Net charge-offs to loans | 0.2770% | 3,063 |
| Credit loss provision to net charge-offs | 66.9643% | 3,982 |
| Earnings coverage of net charge-offs (x) | 5.2738% | 3,061 |
| Efficiency ratio | 72.9964% | 3,144 |
| Assets per employee ($millions) | 3.8118% | 4,276 |
| Cash dividends to net income (ytd only)* | 24.5469% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 4,663 |
| Loan loss allowance to noncurrent loans | 51.8647% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.7956% | 2,920 |
| Noncurrent loans to loans | 2.5693% | 2,225 |
| Net loans and leases to total assets | 65.8312% | 2,685 |
| Net loans and leases to deposits | 75.6243% | 3,036 |
| Net loans and leases to core deposits | 77.4833% | 3,536 |
| Total domestic deposits to total assets | 87.0503% | 2,637 |
| Equity capital to assets | 7.8488% | 6,664 |
| Core capital (leverage) ratio | 7.6151% | 6,557 |
| Tier 1 risk-based capital ratio | 10.8839% | 6,522 |
| Total risk-based capital ratio | 12.1350% | 6,509 |
| Memoranda: | ||
| Average total assets | $713,786,750 | 931 |
| Average earning assets | $670,266,500 | 907 |
| Average equity | $54,986,000 | 1,306 |
| Average total loans | $485,145,250 | 857 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 3,006 |
| Cost of funding earning assets | 1.1697% | 943 |
| Net interest margin | 3.5112% | 4,621 |
| Noninterest income to average assets | 0.4483% | 4,307 |
| Noninterest expense to average assets | 2.6850% | 4,480 |
| Loan and lease loss provision to assets | 0.1478% | 3,665 |
| Net operating income to assets | 0.7133% | 3,794 |
| Return on assets (ROA) | 0.7191% | 4,034 |
| Pretax return on assets | 0.9148% | 4,023 |
| Return on Equity (ROE) | 9.3955% | 2,613 |
| Retained earnings to average equity (ytd only) | 7.0116% | 2,095 |
| Net charge-offs to loans | 0.2931% | 2,853 |
| Credit loss provision to net charge-offs | 73.7360% | 3,484 |
| Earnings coverage of net charge-offs (x) | 5.2640% | 2,870 |
| Efficiency ratio | 71.5522% | 3,508 |
| Assets per employee ($millions) | 3.7490% | 4,423 |
| Cash dividends to net income (ytd only)* | 25.3720% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 4,643 |
| Loan loss allowance to noncurrent loans | 55.5134% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.9215% | 2,880 |
| Noncurrent loans to loans | 2.4408% | 2,461 |
| Net loans and leases to total assets | 68.7489% | 2,152 |
| Net loans and leases to deposits | 78.5207% | 2,594 |
| Net loans and leases to core deposits | 80.2888% | 3,178 |
| Total domestic deposits to total assets | 87.5552% | 2,432 |
| Equity capital to assets | 7.9720% | 6,583 |
| Core capital (leverage) ratio | 7.5035% | 6,629 |
| Tier 1 risk-based capital ratio | 10.7754% | 6,591 |
| Total risk-based capital ratio | 12.0273% | 6,577 |
| Memoranda: | ||
| Average total assets | $710,304,330 | 937 |
| Average earning assets | $665,987,670 | 915 |
| Average equity | $54,366,670 | 1,309 |
| Average total loans | $485,790,000 | 850 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 3,567 |
| Cost of funding earning assets | 1.2097% | 940 |
| Net interest margin | 3.3774% | 5,209 |
| Noninterest income to average assets | 0.3984% | 4,688 |
| Noninterest expense to average assets | 2.6211% | 4,740 |
| Loan and lease loss provision to assets | 0.1674% | 3,301 |
| Net operating income to assets | 0.6372% | 4,185 |
| Return on assets (ROA) | 0.6445% | 4,350 |
| Pretax return on assets | 0.7863% | 4,468 |
| Return on Equity (ROE) | 8.5945% | 3,005 |
| Retained earnings to average equity (ytd only) | 5.9976% | 2,960 |
| Net charge-offs to loans | 0.4077% | 2,084 |
| Credit loss provision to net charge-offs | 60.6061% | 3,099 |
| Earnings coverage of net charge-offs (x) | 3.4202% | 2,843 |
| Efficiency ratio | 73.2551% | 3,210 |
| Assets per employee ($millions) | 3.8824% | 4,235 |
| Cash dividends to net income (ytd only)* | 30.2165% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 4,818 |
| Loan loss allowance to noncurrent loans | 55.9459% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.7606% | 3,227 |
| Noncurrent loans to loans | 2.4057% | 2,701 |
| Net loans and leases to total assets | 67.1213% | 2,271 |
| Net loans and leases to deposits | 75.7159% | 2,841 |
| Net loans and leases to core deposits | 77.4323% | 3,403 |
| Total domestic deposits to total assets | 88.6489% | 1,918 |
| Equity capital to assets | 7.5445% | 6,761 |
| Core capital (leverage) ratio | 7.2225% | 6,754 |
| Tier 1 risk-based capital ratio | 10.4200% | 6,761 |
| Total risk-based capital ratio | 11.6680% | 6,757 |
| Memoranda: | ||
| Average total assets | $716,798,000 | 931 |
| Average earning assets | $672,232,000 | 905 |
| Average equity | $53,755,000 | 1,315 |
| Average total loans | $485,693,500 | 848 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8986% | 3,365 |
| Cost of funding earning assets | 1.4793% | 774 |
| Net interest margin | 3.4193% | 5,427 |
| Noninterest income to average assets | 0.4402% | 4,302 |
| Noninterest expense to average assets | 2.6029% | 5,088 |
| Loan and lease loss provision to assets | 0.1751% | 4,446 |
| Net operating income to assets | 0.6749% | 3,601 |
| Return on assets (ROA) | 0.6749% | 3,803 |
| Pretax return on assets | 0.8600% | 3,743 |
| Return on Equity (ROE) | 9.1561% | 2,384 |
| Retained earnings to average equity (ytd only) | 6.7000% | 1,640 |
| Net charge-offs to loans | 0.3129% | 3,832 |
| Credit loss provision to net charge-offs | 80.6560% | 4,416 |
| Earnings coverage of net charge-offs (x) | 4.7684% | 2,980 |
| Efficiency ratio | 71.2888% | 3,734 |
| Assets per employee ($millions) | 3.9090% | 4,053 |
| Cash dividends to net income (ytd only)* | 26.8245% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 4,444 |
| Loan loss allowance to noncurrent loans | 57.3898% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.7797% | 3,280 |
| Noncurrent loans to loans | 2.4445% | 2,688 |
| Net loans and leases to total assets | 66.5327% | 2,680 |
| Net loans and leases to deposits | 75.0534% | 3,338 |
| Net loans and leases to core deposits | 77.8773% | 3,697 |
| Total domestic deposits to total assets | 88.6472% | 1,754 |
| Equity capital to assets | 7.4539% | 6,829 |
| Core capital (leverage) ratio | 7.0980% | 6,833 |
| Tier 1 risk-based capital ratio | 10.3814% | 6,738 |
| Total risk-based capital ratio | 11.6334% | 6,714 |
| Memoranda: | ||
| Average total assets | $688,278,200 | 946 |
| Average earning assets | $643,676,400 | 921 |
| Average equity | $50,731,000 | 1,347 |
| Average total loans | $477,462,000 | 874 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 3,466 |
| Cost of funding earning assets | 1.5345% | 758 |
| Net interest margin | 3.3871% | 5,614 |
| Noninterest income to average assets | 0.4437% | 4,339 |
| Noninterest expense to average assets | 2.5746% | 5,173 |
| Loan and lease loss provision to assets | 0.2260% | 3,753 |
| Net operating income to assets | 0.6464% | 3,889 |
| Return on assets (ROA) | 0.6464% | 4,066 |
| Pretax return on assets | 0.8090% | 4,096 |
| Return on Equity (ROE) | 8.7958% | 2,691 |
| Retained earnings to average equity (ytd only) | 6.2721% | 2,387 |
| Net charge-offs to loans | 0.3940% | 3,146 |
| Credit loss provision to net charge-offs | 82.0896% | 4,071 |
| Earnings coverage of net charge-offs (x) | 3.7598% | 3,310 |
| Efficiency ratio | 71.0623% | 3,730 |
| Assets per employee ($millions) | 4.0267% | 3,788 |
| Cash dividends to net income (ytd only)* | 28.6926% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 4,533 |
| Loan loss allowance to noncurrent loans | 59.3894% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.7089% | 3,529 |
| Noncurrent loans to loans | 2.3670% | 2,933 |
| Net loans and leases to total assets | 66.2560% | 2,843 |
| Net loans and leases to deposits | 75.1049% | 3,491 |
| Net loans and leases to core deposits | 78.2280% | 3,865 |
| Total domestic deposits to total assets | 88.2178% | 1,911 |
| Equity capital to assets | 7.2723% | 6,999 |
| Core capital (leverage) ratio | 7.0517% | 6,945 |
| Tier 1 risk-based capital ratio | 10.1247% | 6,919 |
| Total risk-based capital ratio | 11.3767% | 6,911 |
| Memoranda: | ||
| Average total assets | $681,509,000 | 963 |
| Average earning assets | $636,980,500 | 937 |
| Average equity | $50,083,250 | 1,363 |
| Average total loans | $476,148,250 | 893 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 3,256 |
| Cost of funding earning assets | 1.5894% | 725 |
| Net interest margin | 3.3899% | 5,587 |
| Noninterest income to average assets | 0.4572% | 4,227 |
| Noninterest expense to average assets | 2.5963% | 5,204 |
| Loan and lease loss provision to assets | 0.2244% | 3,669 |
| Net operating income to assets | 0.6436% | 3,833 |
| Return on assets (ROA) | 0.6436% | 3,957 |
| Pretax return on assets | 0.7986% | 4,037 |
| Return on Equity (ROE) | 8.7252% | 2,628 |
| Retained earnings to average equity (ytd only) | 6.0926% | 2,365 |
| Net charge-offs to loans | 0.3794% | 3,036 |
| Credit loss provision to net charge-offs | 83.5189% | 3,665 |
| Earnings coverage of net charge-offs (x) | 3.8073% | 3,046 |
| Efficiency ratio | 71.4616% | 3,832 |
| Assets per employee ($millions) | 3.9275% | 3,931 |
| Cash dividends to net income (ytd only)* | 30.1720% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 4,389 |
| Loan loss allowance to noncurrent loans | 57.9366% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.8210% | 3,479 |
| Noncurrent loans to loans | 2.4880% | 2,898 |
| Net loans and leases to total assets | 68.7704% | 2,463 |
| Net loans and leases to deposits | 77.9794% | 3,123 |
| Net loans and leases to core deposits | 81.2786% | 3,612 |
| Total domestic deposits to total assets | 88.1904% | 2,020 |
| Equity capital to assets | 7.4132% | 6,986 |
| Core capital (leverage) ratio | 7.1102% | 6,952 |
| Tier 1 risk-based capital ratio | 10.2933% | 6,876 |
| Total risk-based capital ratio | 11.5463% | 6,865 |
| Memoranda: | ||
| Average total assets | $668,420,000 | 986 |
| Average earning assets | $623,508,330 | 963 |
| Average equity | $49,305,330 | 1,372 |
| Average total loans | $473,409,000 | 914 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8498% | 3,820 |
| Cost of funding earning assets | 1.6079% | 796 |
| Net interest margin | 3.2419% | 5,948 |
| Noninterest income to average assets | 0.4820% | 4,033 |
| Noninterest expense to average assets | 2.6132% | 5,170 |
| Loan and lease loss provision to assets | 0.1214% | 4,493 |
| Net operating income to assets | 0.6246% | 3,894 |
| Return on assets (ROA) | 0.6246% | 3,962 |
| Pretax return on assets | 0.7703% | 4,016 |
| Return on Equity (ROE) | 8.4897% | 2,698 |
| Retained earnings to average equity (ytd only) | 5.6103% | 2,844 |
| Net charge-offs to loans | 0.0757% | 4,182 |
| Credit loss provision to net charge-offs | 224.7191% | 1,355 |
| Earnings coverage of net charge-offs (x) | 16.5056% | 1,263 |
| Efficiency ratio | 74.2813% | 3,466 |
| Assets per employee ($millions) | 3.9566% | 3,927 |
| Cash dividends to net income (ytd only)* | 33.9164% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 4,128 |
| Loan loss allowance to noncurrent loans | 46.5231% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 2.3598% | 2,884 |
| Noncurrent loans to loans | 3.2598% | 2,307 |
| Net loans and leases to total assets | 68.4375% | 2,467 |
| Net loans and leases to deposits | 77.6208% | 3,131 |
| Net loans and leases to core deposits | 81.4994% | 3,527 |
| Total domestic deposits to total assets | 88.1691% | 2,280 |
| Equity capital to assets | 7.1887% | 7,020 |
| Core capital (leverage) ratio | 7.2436% | 6,897 |
| Tier 1 risk-based capital ratio | 10.1337% | 6,957 |
| Total risk-based capital ratio | 11.3866% | 6,956 |
| Memoranda: | ||
| Average total assets | $658,972,500 | 1,008 |
| Average earning assets | $614,454,000 | 987 |
| Average equity | $48,482,000 | 1,378 |
| Average total loans | $470,322,500 | 926 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 3,504 |
| Cost of funding earning assets | 1.8441% | 1,015 |
| Net interest margin | 3.3778% | 5,708 |
| Noninterest income to average assets | 0.5059% | 4,124 |
| Noninterest expense to average assets | 2.6741% | 5,107 |
| Loan and lease loss provision to assets | 0.4234% | 3,573 |
| Net operating income to assets | 0.4633% | 4,258 |
| Return on assets (ROA) | 0.4633% | 4,424 |
| Pretax return on assets | 0.5407% | 4,498 |
| Return on Equity (ROE) | 6.0540% | 3,580 |
| Retained earnings to average equity (ytd only) | 4.8466% | 2,513 |
| Net charge-offs to loans | 0.6894% | 2,940 |
| Credit loss provision to net charge-offs | 80.8282% | 5,535 |
| Earnings coverage of net charge-offs (x) | 1.8405% | 4,346 |
| Efficiency ratio | 73.2123% | 3,553 |
| Assets per employee ($millions) | 3.7495% | 4,365 |
| Cash dividends to net income (ytd only)* | 19.9445% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 3,957 |
| Loan loss allowance to noncurrent loans | 40.9405% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 2.7993% | 2,503 |
| Noncurrent loans to loans | 3.6873% | 2,015 |
| Net loans and leases to total assets | 72.2722% | 2,038 |
| Net loans and leases to deposits | 82.9811% | 2,635 |
| Net loans and leases to core deposits | 87.1624% | 3,159 |
| Total domestic deposits to total assets | 87.0947% | 2,772 |
| Equity capital to assets | 7.5372% | 6,861 |
| Core capital (leverage) ratio | 7.3734% | 6,805 |
| Tier 1 risk-based capital ratio | 10.1975% | 6,872 |
| Total risk-based capital ratio | 11.4513% | 6,849 |
| Memoranda: | ||
| Average total assets | $622,292,800 | 1,072 |
| Average earning assets | $577,094,800 | 1,043 |
| Average equity | $47,621,200 | 1,402 |
| Average total loans | $472,884,000 | 952 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 3,566 |
| Cost of funding earning assets | 1.8793% | 1,091 |
| Net interest margin | 3.3735% | 5,774 |
| Noninterest income to average assets | 0.4941% | 4,235 |
| Noninterest expense to average assets | 2.6409% | 5,147 |
| Loan and lease loss provision to assets | 0.4441% | 3,249 |
| Net operating income to assets | 0.4680% | 4,452 |
| Return on assets (ROA) | 0.4680% | 4,646 |
| Pretax return on assets | 0.5357% | 4,811 |
| Return on Equity (ROE) | 6.0919% | 3,773 |
| Retained earnings to average equity (ytd only) | 5.0396% | 2,959 |
| Net charge-offs to loans | 0.4488% | 3,510 |
| Credit loss provision to net charge-offs | 129.0727% | 3,145 |
| Earnings coverage of net charge-offs (x) | 2.8477% | 3,710 |
| Efficiency ratio | 72.6482% | 3,579 |
| Assets per employee ($millions) | 3.6350% | 4,652 |
| Cash dividends to net income (ytd only)* | 17.2733% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 3,033 |
| Loan loss allowance to noncurrent loans | 44.5745% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 2.9836% | 2,434 |
| Noncurrent loans to loans | 3.8944% | 1,948 |
| Net loans and leases to total assets | 72.9397% | 2,027 |
| Net loans and leases to deposits | 84.1332% | 2,682 |
| Net loans and leases to core deposits | 89.1871% | 3,214 |
| Total domestic deposits to total assets | 86.6956% | 2,696 |
| Equity capital to assets | 7.7104% | 6,992 |
| Core capital (leverage) ratio | 7.4158% | 6,913 |
| Tier 1 risk-based capital ratio | 10.0469% | 7,041 |
| Total risk-based capital ratio | 11.3035% | 7,022 |
| Memoranda: | ||
| Average total assets | $618,512,250 | 1,083 |
| Average earning assets | $573,233,750 | 1,062 |
| Average equity | $47,515,750 | 1,417 |
| Average total loans | $474,171,250 | 954 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 3,512 |
| Cost of funding earning assets | 1.9395% | 1,080 |
| Net interest margin | 3.3513% | 5,829 |
| Noninterest income to average assets | 0.5203% | 3,954 |
| Noninterest expense to average assets | 2.6322% | 5,200 |
| Loan and lease loss provision to assets | 0.3535% | 3,601 |
| Net operating income to assets | 0.5369% | 4,163 |
| Return on assets (ROA) | 0.5369% | 4,309 |
| Pretax return on assets | 0.6383% | 4,440 |
| Return on Equity (ROE) | 6.9981% | 3,301 |
| Retained earnings to average equity (ytd only) | 5.9365% | 2,368 |
| Net charge-offs to loans | 0.3111% | 3,763 |
| Credit loss provision to net charge-offs | 146.6216% | 2,695 |
| Earnings coverage of net charge-offs (x) | 4.1135% | 3,050 |
| Efficiency ratio | 72.3456% | 3,762 |
| Assets per employee ($millions) | 3.5369% | 4,824 |
| Cash dividends to net income (ytd only)* | 15.1699% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 3,087 |
| Loan loss allowance to noncurrent loans | 42.7067% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.1622% | 2,240 |
| Noncurrent loans to loans | 3.9782% | 1,910 |
| Net loans and leases to total assets | 75.5040% | 1,595 |
| Net loans and leases to deposits | 87.3133% | 2,290 |
| Net loans and leases to core deposits | 92.9911% | 2,847 |
| Total domestic deposits to total assets | 86.4747% | 2,834 |
| Equity capital to assets | 7.7767% | 6,950 |
| Core capital (leverage) ratio | 7.4511% | 6,871 |
| Tier 1 risk-based capital ratio | 9.7697% | 7,152 |
| Total risk-based capital ratio | 11.0255% | 7,129 |
| Memoranda: | ||
| Average total assets | $613,851,000 | 1,094 |
| Average earning assets | $568,499,330 | 1,077 |
| Average equity | $47,098,330 | 1,423 |
| Average total loans | $475,731,330 | 965 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 4,139 |
| Cost of funding earning assets | 2.0100% | 1,052 |
| Net interest margin | 3.1690% | 6,384 |
| Noninterest income to average assets | 0.4482% | 4,487 |
| Noninterest expense to average assets | 2.6679% | 5,068 |
| Loan and lease loss provision to assets | 0.1044% | 5,578 |
| Net operating income to assets | 0.5109% | 4,342 |
| Return on assets (ROA) | 0.5109% | 4,481 |
| Pretax return on assets | 0.6107% | 4,564 |
| Return on Equity (ROE) | 6.7041% | 3,510 |
| Retained earnings to average equity (ytd only) | 5.6339% | 2,793 |
| Net charge-offs to loans | 0.3353% | 3,071 |
| Credit loss provision to net charge-offs | 40.0000% | 4,641 |
| Earnings coverage of net charge-offs (x) | 2.7400% | 3,176 |
| Efficiency ratio | 78.5535% | 2,803 |
| Assets per employee ($millions) | 3.6268% | 4,752 |
| Cash dividends to net income (ytd only)* | 15.9642% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 3,574 |
| Loan loss allowance to noncurrent loans | 37.5928% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 3.2754% | 2,187 |
| Noncurrent loans to loans | 4.1777% | 1,844 |
| Net loans and leases to total assets | 75.2465% | 1,689 |
| Net loans and leases to deposits | 86.9245% | 2,418 |
| Net loans and leases to core deposits | 93.9443% | 2,848 |
| Total domestic deposits to total assets | 86.5654% | 2,861 |
| Equity capital to assets | 7.5724% | 7,013 |
| Core capital (leverage) ratio | 7.5277% | 6,824 |
| Tier 1 risk-based capital ratio | 9.4389% | 7,336 |
| Total risk-based capital ratio | 10.6928% | 7,331 |
| Memoranda: | ||
| Average total assets | $613,063,500 | 1,119 |
| Average earning assets | $567,749,500 | 1,102 |
| Average equity | $46,717,500 | 1,444 |
| Average total loans | $477,246,000 | 988 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7748% | 2,766 |
| Cost of funding earning assets | 2.4528% | 1,144 |
| Net interest margin | 3.3220% | 5,659 |
| Noninterest income to average assets | 0.6063% | 3,581 |
| Noninterest expense to average assets | 2.8090% | 4,940 |
| Loan and lease loss provision to assets | 1.6347% | 1,398 |
| Net operating income to assets | -0.3748% | 6,052 |
| Return on assets (ROA) | -0.3748% | 6,041 |
| Pretax return on assets | -0.7433% | 6,232 |
| Return on Equity (ROE) | -4.5711% | 6,176 |
| Retained earnings to average equity (ytd only) | -9.6679% | 6,493 |
| Net charge-offs to loans | 1.5844% | 1,590 |
| Credit loss provision to net charge-offs | 129.7179% | 3,946 |
| Earnings coverage of net charge-offs (x) | 0.7073% | 5,391 |
| Efficiency ratio | 75.6102% | 3,593 |
| Assets per employee ($millions) | 3.5644% | 4,861 |
| Cash dividends to net income (ytd only)* | -111.4979% | 7,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 3,284 |
| Loan loss allowance to noncurrent loans | 49.0648% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 2.6946% | 2,596 |
| Noncurrent loans to loans | 3.2609% | 2,340 |
| Net loans and leases to total assets | 78.0094% | 1,380 |
| Net loans and leases to deposits | 94.4958% | 1,531 |
| Net loans and leases to core deposits | 114.0694% | 2,489 |
| Total domestic deposits to total assets | 82.5534% | 4,725 |
| Equity capital to assets | 7.6694% | 6,883 |
| Core capital (leverage) ratio | 7.4325% | 6,851 |
| Tier 1 risk-based capital ratio | 9.1954% | 7,379 |
| Total risk-based capital ratio | 10.4499% | 7,378 |
| Memoranda: | ||
| Average total assets | $582,385,000 | 1,180 |
| Average earning assets | $542,408,400 | 1,164 |
| Average equity | $47,756,200 | 1,411 |
| Average total loans | $463,199,400 | 1,040 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8079% | 2,854 |
| Cost of funding earning assets | 2.4999% | 1,304 |
| Net interest margin | 3.3080% | 5,611 |
| Noninterest income to average assets | 0.6055% | 3,654 |
| Noninterest expense to average assets | 2.8202% | 4,816 |
| Loan and lease loss provision to assets | 0.5828% | 3,054 |
| Net operating income to assets | 0.3245% | 4,700 |
| Return on assets (ROA) | 0.3245% | 4,806 |
| Pretax return on assets | 0.2896% | 5,091 |
| Return on Equity (ROE) | 3.8909% | 4,422 |
| Retained earnings to average equity (ytd only) | -1.1315% | 5,527 |
| Net charge-offs to loans | 0.1043% | 5,631 |
| Credit loss provision to net charge-offs | 701.9499% | 531 |
| Earnings coverage of net charge-offs (x) | 10.5071% | 1,955 |
| Efficiency ratio | 76.0679% | 3,502 |
| Assets per employee ($millions) | 3.7151% | 4,388 |
| Cash dividends to net income (ytd only)* | 129.0807% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 3,065 |
| Loan loss allowance to noncurrent loans | 74.3406% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.7889% | 3,669 |
| Noncurrent loans to loans | 2.1275% | 3,473 |
| Net loans and leases to total assets | 79.7564% | 1,221 |
| Net loans and leases to deposits | 101.1584% | 998 |
| Net loans and leases to core deposits | 118.7427% | 2,350 |
| Total domestic deposits to total assets | 78.8431% | 5,854 |
| Equity capital to assets | 8.4287% | 6,349 |
| Core capital (leverage) ratio | 8.2412% | 5,941 |
| Tier 1 risk-based capital ratio | 9.9700% | 7,011 |
| Total risk-based capital ratio | 11.2244% | 6,961 |
| Memoranda: | ||
| Average total assets | $576,493,500 | 1,212 |
| Average earning assets | $537,990,000 | 1,188 |
| Average equity | $48,077,000 | 1,418 |
| Average total loans | $458,903,000 | 1,062 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8636% | 2,744 |
| Cost of funding earning assets | 2.5904% | 1,314 |
| Net interest margin | 3.2732% | 5,645 |
| Noninterest income to average assets | 0.6152% | 3,567 |
| Noninterest expense to average assets | 2.8162% | 4,889 |
| Loan and lease loss provision to assets | 0.4961% | 3,057 |
| Net operating income to assets | 0.3735% | 4,606 |
| Return on assets (ROA) | 0.3735% | 4,705 |
| Pretax return on assets | 0.3531% | 5,066 |
| Return on Equity (ROE) | 4.4949% | 4,308 |
| Retained earnings to average equity (ytd only) | -0.8034% | 5,430 |
| Net charge-offs to loans | 0.1275% | 4,893 |
| Credit loss provision to net charge-offs | 491.9861% | 942 |
| Earnings coverage of net charge-offs (x) | 8.4216% | 2,261 |
| Efficiency ratio | 76.5264% | 3,594 |
| Assets per employee ($millions) | 3.7396% | 4,232 |
| Cash dividends to net income (ytd only)* | 117.8739% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 3,632 |
| Loan loss allowance to noncurrent loans | 138.0100% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9754% | 5,026 |
| Noncurrent loans to loans | 1.0280% | 5,162 |
| Net loans and leases to total assets | 79.4766% | 1,407 |
| Net loans and leases to deposits | 104.0448% | 912 |
| Net loans and leases to core deposits | 124.4439% | 1,981 |
| Total domestic deposits to total assets | 76.3869% | 6,470 |
| Equity capital to assets | 8.6150% | 5,874 |
| Core capital (leverage) ratio | 8.4654% | 5,503 |
| Tier 1 risk-based capital ratio | 10.3761% | 6,503 |
| Total risk-based capital ratio | 11.6283% | 6,438 |
| Memoranda: | ||
| Average total assets | $569,283,000 | 1,245 |
| Average earning assets | $530,495,670 | 1,221 |
| Average equity | $47,298,000 | 1,457 |
| Average total loans | $450,301,000 | 1,106 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7592% | 3,486 |
| Cost of funding earning assets | 2.7490% | 1,114 |
| Net interest margin | 3.0102% | 6,457 |
| Noninterest income to average assets | 0.6396% | 3,276 |
| Noninterest expense to average assets | 2.6655% | 5,162 |
| Loan and lease loss provision to assets | 0.6616% | 1,913 |
| Net operating income to assets | 0.1985% | 5,663 |
| Return on assets (ROA) | 0.1985% | 5,832 |
| Pretax return on assets | 0.1156% | 6,131 |
| Return on Equity (ROE) | 2.4359% | 5,607 |
| Retained earnings to average equity (ytd only) | -3.6190% | 6,375 |
| Net charge-offs to loans | 0.1575% | 3,703 |
| Credit loss provision to net charge-offs | 536.2069% | 1,027 |
| Earnings coverage of net charge-offs (x) | 6.2989% | 2,517 |
| Efficiency ratio | 77.0958% | 3,319 |
| Assets per employee ($millions) | 3.6688% | 4,407 |
| Cash dividends to net income (ytd only)* | 248.5714% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 3,524 |
| Loan loss allowance to noncurrent loans | 164.8855% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 4,977 |
| Noncurrent loans to loans | 0.8462% | 5,332 |
| Net loans and leases to total assets | 78.3528% | 1,735 |
| Net loans and leases to deposits | 97.9780% | 1,670 |
| Net loans and leases to core deposits | 117.8196% | 2,616 |
| Total domestic deposits to total assets | 79.9698% | 5,382 |
| Equity capital to assets | 8.8916% | 5,496 |
| Core capital (leverage) ratio | 8.6029% | 5,335 |
| Tier 1 risk-based capital ratio | 10.6922% | 6,194 |
| Total risk-based capital ratio | 11.9438% | 6,103 |
| Memoranda: | ||
| Average total assets | $564,104,000 | 1,263 |
| Average earning assets | $525,281,000 | 1,237 |
| Average equity | $45,979,000 | 1,504 |
| Average total loans | $441,797,000 | 1,142 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3617% | 3,630 |
| Cost of funding earning assets | 2.9735% | 1,970 |
| Net interest margin | 3.3881% | 5,705 |
| Noninterest income to average assets | 0.6095% | 3,778 |
| Noninterest expense to average assets | 2.6377% | 5,500 |
| Loan and lease loss provision to assets | 0.2276% | 4,612 |
| Net operating income to assets | 0.6792% | 3,986 |
| Return on assets (ROA) | 0.6805% | 3,819 |
| Pretax return on assets | 0.8850% | 3,773 |
| Return on Equity (ROE) | 9.0303% | 2,636 |
| Retained earnings to average equity (ytd only) | 2.0894% | 3,936 |
| Net charge-offs to loans | 0.1271% | 4,969 |
| Credit loss provision to net charge-offs | 238.8350% | 1,977 |
| Earnings coverage of net charge-offs (x) | 11.6583% | 2,351 |
| Efficiency ratio | 70.0395% | 4,342 |
| Assets per employee ($millions) | 3.7054% | 4,164 |
| Cash dividends to net income (ytd only)* | 76.8624% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,012 |
| Loan loss allowance to noncurrent loans | 92.1956% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.3293% | 3,556 |
| Noncurrent loans to loans | 1.3738% | 3,773 |
| Net loans and leases to total assets | 76.1942% | 2,568 |
| Net loans and leases to deposits | 98.2099% | 2,092 |
| Net loans and leases to core deposits | 118.0351% | 2,876 |
| Total domestic deposits to total assets | 77.5830% | 5,845 |
| Equity capital to assets | 7.4076% | 7,459 |
| Core capital (leverage) ratio | 7.2201% | 7,508 |
| Tier 1 risk-based capital ratio | 9.2545% | 7,564 |
| Total risk-based capital ratio | 10.5049% | 7,506 |
| Memoranda: | ||
| Average total assets | $540,463,200 | 1,258 |
| Average earning assets | $500,748,800 | 1,232 |
| Average equity | $40,729,600 | 1,646 |
| Average total loans | $405,302,000 | 1,197 |