Home > Standard Bank > Performance and Condition Ratios
Standard Bank, Performance and Condition Ratios
| 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 | 3.1795% | 3,111 |
| Cost of funding earning assets | 0.1647% | 3,382 |
| Net interest margin | 3.0148% | 2,834 |
| Noninterest income to average assets | 0.4233% | 2,608 |
| Noninterest expense to average assets | 2.3214% | 2,490 |
| Loan and lease loss provision to assets | 0.0819% | 1,204 |
| Net operating income to assets | 0.6454% | 3,490 |
| Return on assets (ROA) | 0.6362% | 3,472 |
| Pretax return on assets | 0.7726% | 3,395 |
| Return on Equity (ROE) | 4.1537% | 3,998 |
| Retained earnings to average equity (ytd only) | 4.1537% | 3,030 |
| Net charge-offs to loans | 0.0066% | 1,763 |
| Credit loss provision to net charge-offs | 1,980.9524% | 249 |
| Earnings coverage of net charge-offs (x) | 209.4762% | 528 |
| Efficiency ratio | 71.3986% | 1,784 |
| Assets per employee ($millions) | 6.5978% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1112% | 4,703 |
| Loan loss allowance to noncurrent loans | 16.9802% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 1,378 |
| Noncurrent loans to loans | 0.6548% | 1,309 |
| Net loans and leases to total assets | 62.6724% | 2,047 |
| Net loans and leases to deposits | 78.8776% | 1,478 |
| Net loans and leases to core deposits | 82.7362% | 1,538 |
| Total domestic deposits to total assets | 79.4552% | 4,269 |
| Equity capital to assets | 15.2352% | 384 |
| Core capital (leverage) ratio | 13.2869% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5596% | 577 |
| Memoranda: | ||
| Average total assets | $1,016,288,000 | 961 |
| Average earning assets | $931,666,667 | 978 |
| Average equity | $155,668,667 | 676 |
| Average total loans | $637,462,333 | 974 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9377% | 3,434 |
| Cost of funding earning assets | 0.1486% | 3,523 |
| Net interest margin | 2.7892% | 3,173 |
| Noninterest income to average assets | 0.4205% | 2,555 |
| Noninterest expense to average assets | 2.3093% | 2,467 |
| Loan and lease loss provision to assets | 0.0811% | 1,010 |
| Net operating income to assets | 0.4964% | 3,724 |
| Return on assets (ROA) | 0.4852% | 3,713 |
| Pretax return on assets | 0.5776% | 3,692 |
| Return on Equity (ROE) | 3.1597% | 4,058 |
| Retained earnings to average equity (ytd only) | 3.1597% | 3,209 |
| Net charge-offs to loans | -0.0031% | 3,200 |
| Credit loss provision to net charge-offs | -4,160.0000% | 3,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9184% | 1,533 |
| Assets per employee ($millions) | 6.8676% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0808% | 4,735 |
| Loan loss allowance to noncurrent loans | 10.2171% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 1,215 |
| Noncurrent loans to loans | 0.7909% | 1,198 |
| Net loans and leases to total assets | 62.4099% | 1,806 |
| Net loans and leases to deposits | 79.6694% | 1,170 |
| Net loans and leases to core deposits | 84.1182% | 1,237 |
| Total domestic deposits to total assets | 78.3361% | 4,386 |
| Equity capital to assets | 15.1863% | 378 |
| Core capital (leverage) ratio | 12.9416% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8930% | 654 |
| Memoranda: | ||
| Average total assets | $1,026,301,000 | 954 |
| Average earning assets | $942,218,000 | 967 |
| Average equity | $157,611,500 | 687 |
| Average total loans | $643,655,500 | 953 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8318% | 4,709 |
| Cost of funding earning assets | 0.0921% | 4,444 |
| Net interest margin | 1.7397% | 4,682 |
| Noninterest income to average assets | 0.2933% | 3,645 |
| Noninterest expense to average assets | 1.2118% | 4,707 |
| Loan and lease loss provision to assets | 0.0300% | 2,457 |
| Net operating income to assets | 0.6383% | 3,777 |
| Return on assets (ROA) | 0.6347% | 3,848 |
| Pretax return on assets | 0.6415% | 4,048 |
| Return on Equity (ROE) | 4.4071% | 4,124 |
| Retained earnings to average equity (ytd only) | 4.4071% | 3,050 |
| Net charge-offs to loans | 0.0026% | 2,531 |
| Credit loss provision to net charge-offs | 1,761.1111% | 339 |
| Earnings coverage of net charge-offs (x) | 395.9444% | 331 |
| Efficiency ratio | 62.8326% | 2,745 |
| Assets per employee ($millions) | 6.9543% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0458% | 4,780 |
| Loan loss allowance to noncurrent loans | 5.6963% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 1,240 |
| Noncurrent loans to loans | 0.8045% | 1,269 |
| Net loans and leases to total assets | 62.9380% | 1,833 |
| Net loans and leases to deposits | 80.4490% | 1,176 |
| Net loans and leases to core deposits | 85.0043% | 1,260 |
| Total domestic deposits to total assets | 78.2334% | 4,374 |
| Equity capital to assets | 15.5249% | 430 |
| Core capital (leverage) ratio | 12.6769% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2898% | 721 |
| Memoranda: | ||
| Average total assets | $1,055,515,600 | 924 |
| Average earning assets | $966,968,000 | 931 |
| Average equity | $152,003,800 | 703 |
| Average total loans | $698,835,000 | 880 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3717% | 4,840 |
| Cost of funding earning assets | 0.0669% | 4,704 |
| Net interest margin | 1.3048% | 4,828 |
| Noninterest income to average assets | 0.2452% | 3,926 |
| Noninterest expense to average assets | 0.9734% | 4,842 |
| Loan and lease loss provision to assets | 0.0184% | 2,636 |
| Net operating income to assets | 0.3577% | 4,438 |
| Return on assets (ROA) | 0.3545% | 4,473 |
| Pretax return on assets | 0.4432% | 4,435 |
| Return on Equity (ROE) | 2.5093% | 4,527 |
| Retained earnings to average equity (ytd only) | 2.5093% | 4,050 |
| Net charge-offs to loans | 0.0013% | 2,377 |
| Credit loss provision to net charge-offs | 2,085.7143% | 316 |
| Earnings coverage of net charge-offs (x) | 529.0000% | 284 |
| Efficiency ratio | 66.0696% | 2,091 |
| Assets per employee ($millions) | 6.9009% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0204% | 4,862 |
| Loan loss allowance to noncurrent loans | 2.5669% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 1,396 |
| Noncurrent loans to loans | 0.7953% | 1,422 |
| Net loans and leases to total assets | 65.3299% | 1,617 |
| Net loans and leases to deposits | 84.0665% | 960 |
| Net loans and leases to core deposits | 88.9992% | 1,094 |
| Total domestic deposits to total assets | 77.7122% | 4,446 |
| Equity capital to assets | 15.0517% | 535 |
| Core capital (leverage) ratio | 12.1733% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0805% | 942 |
| Memoranda: | ||
| Average total assets | $1,060,346,000 | 932 |
| Average earning assets | $970,144,000 | 940 |
| Average equity | $149,787,750 | 721 |
| Average total loans | $710,429,000 | 884 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5081% | 4,935 |
| Cost of funding earning assets | 0.0846% | 4,669 |
| Net interest margin | 0.4234% | 4,933 |
| Noninterest income to average assets | 0.0739% | 4,779 |
| Noninterest expense to average assets | 0.3649% | 4,942 |
| Loan and lease loss provision to assets | 0.0006% | 2,855 |
| Net operating income to assets | 0.0729% | 4,734 |
| Return on assets (ROA) | 0.0728% | 4,746 |
| Pretax return on assets | 0.0956% | 4,737 |
| Return on Equity (ROE) | 0.5263% | 4,752 |
| Retained earnings to average equity (ytd only) | 0.5263% | 4,431 |
| Net charge-offs to loans | 0.0003% | 2,241 |
| Credit loss provision to net charge-offs | 300.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 514.0000% | 253 |
| Efficiency ratio | 79.1057% | 841 |
| Assets per employee ($millions) | 7.1807% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0003% | 4,900 |
| Loan loss allowance to noncurrent loans | 0.0535% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 1,893 |
| Noncurrent loans to loans | 0.5360% | 2,063 |
| Net loans and leases to total assets | 64.3292% | 1,910 |
| Net loans and leases to deposits | 81.9541% | 1,229 |
| Net loans and leases to core deposits | 86.4434% | 1,387 |
| Total domestic deposits to total assets | 78.4942% | 4,387 |
| Equity capital to assets | 14.3042% | 659 |
| Core capital (leverage) ratio | 11.4695% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9397% | 1,134 |
| Memoranda: | ||
| Average total assets | $1,066,451,333 | 917 |
| Average earning assets | $975,830,667 | 926 |
| Average equity | $147,436,000 | 727 |
| Average total loans | $720,273,333 | 875 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5305% | 2,828 |
| Cost of funding earning assets | 0.5661% | 1,019 |
| Net interest margin | 2.9644% | 3,348 |
| Noninterest income to average assets | 0.4278% | 2,940 |
| Noninterest expense to average assets | 2.0920% | 3,449 |
| Loan and lease loss provision to assets | 0.0598% | 1,925 |
| Net operating income to assets | 0.7994% | 3,427 |
| Return on assets (ROA) | 0.7803% | 3,549 |
| Pretax return on assets | 0.9755% | 3,444 |
| Return on Equity (ROE) | 5.7463% | 3,935 |
| Retained earnings to average equity (ytd only) | 1.2897% | 4,158 |
| Net charge-offs to loans | 0.0082% | 1,615 |
| Credit loss provision to net charge-offs | 1,053.3333% | 402 |
| Earnings coverage of net charge-offs (x) | 186.6667% | 425 |
| Efficiency ratio | 65.0822% | 2,348 |
| Assets per employee ($millions) | 7.0442% | 1,778 |
| Cash dividends to net income (ytd only)* | 77.5570% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,384 |
| Loan loss allowance to noncurrent loans | 172.3588% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4670% | 1,987 |
| Noncurrent loans to loans | 0.6439% | 1,958 |
| Net loans and leases to total assets | 66.9664% | 1,667 |
| Net loans and leases to deposits | 85.4337% | 1,004 |
| Net loans and leases to core deposits | 89.9536% | 1,235 |
| Total domestic deposits to total assets | 78.3841% | 4,397 |
| Equity capital to assets | 13.4287% | 803 |
| Core capital (leverage) ratio | 11.3453% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5734% | 987 |
| Memoranda: | ||
| Average total assets | $1,057,531,000 | 916 |
| Average earning assets | $971,528,000 | 917 |
| Average equity | $143,604,500 | 739 |
| Average total loans | $731,651,000 | 864 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 3,497 |
| Cost of funding earning assets | 0.7808% | 1,297 |
| Net interest margin | 2.9489% | 4,011 |
| Noninterest income to average assets | 0.5930% | 2,237 |
| Noninterest expense to average assets | 2.1813% | 3,715 |
| Loan and lease loss provision to assets | 0.2996% | 1,253 |
| Net operating income to assets | 0.6582% | 3,563 |
| Return on assets (ROA) | 0.6564% | 3,698 |
| Pretax return on assets | 0.8164% | 3,592 |
| Return on Equity (ROE) | 4.7861% | 3,959 |
| Retained earnings to average equity (ytd only) | 3.3258% | 3,164 |
| Net charge-offs to loans | 0.0158% | 2,788 |
| Credit loss provision to net charge-offs | 2,662.0690% | 363 |
| Earnings coverage of net charge-offs (x) | 99.3534% | 788 |
| Efficiency ratio | 64.7279% | 2,716 |
| Assets per employee ($millions) | 7.1523% | 1,476 |
| Cash dividends to net income (ytd only)* | 30.5100% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,653 |
| Loan loss allowance to noncurrent loans | 158.1269% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 1,998 |
| Noncurrent loans to loans | 0.6682% | 2,016 |
| Net loans and leases to total assets | 69.9221% | 1,572 |
| Net loans and leases to deposits | 90.7337% | 867 |
| Net loans and leases to core deposits | 95.6766% | 1,141 |
| Total domestic deposits to total assets | 77.0630% | 4,403 |
| Equity capital to assets | 13.7315% | 863 |
| Core capital (leverage) ratio | 11.1805% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2011% | 1,020 |
| Memoranda: | ||
| Average total assets | $1,030,653,200 | 860 |
| Average earning assets | $945,956,400 | 857 |
| Average equity | $141,348,000 | 708 |
| Average total loans | $735,932,600 | 844 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7589% | 3,664 |
| Cost of funding earning assets | 0.8286% | 1,365 |
| Net interest margin | 2.9302% | 4,129 |
| Noninterest income to average assets | 0.5993% | 2,180 |
| Noninterest expense to average assets | 2.1506% | 3,817 |
| Loan and lease loss provision to assets | 0.3330% | 1,166 |
| Net operating income to assets | 0.6609% | 3,594 |
| Return on assets (ROA) | 0.6394% | 3,757 |
| Pretax return on assets | 0.7801% | 3,700 |
| Return on Equity (ROE) | 4.6640% | 3,979 |
| Retained earnings to average equity (ytd only) | 2.7066% | 3,650 |
| Net charge-offs to loans | 0.0163% | 2,549 |
| Credit loss provision to net charge-offs | 2,845.5556% | 362 |
| Earnings coverage of net charge-offs (x) | 97.3556% | 808 |
| Efficiency ratio | 63.9410% | 2,747 |
| Assets per employee ($millions) | 7.2034% | 1,373 |
| Cash dividends to net income (ytd only)* | 41.9683% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,798 |
| Loan loss allowance to noncurrent loans | 196.9194% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 2,590 |
| Noncurrent loans to loans | 0.4957% | 2,574 |
| Net loans and leases to total assets | 69.9538% | 1,956 |
| Net loans and leases to deposits | 92.1570% | 1,059 |
| Net loans and leases to core deposits | 98.0001% | 1,305 |
| Total domestic deposits to total assets | 75.9072% | 4,435 |
| Equity capital to assets | 13.3681% | 1,044 |
| Core capital (leverage) ratio | 11.0324% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8842% | 1,075 |
| Memoranda: | ||
| Average total assets | $1,025,470,750 | 846 |
| Average earning assets | $941,604,500 | 851 |
| Average equity | $140,592,250 | 706 |
| Average total loans | $734,165,750 | 840 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 3,837 |
| Cost of funding earning assets | 0.8794% | 1,462 |
| Net interest margin | 2.9311% | 4,260 |
| Noninterest income to average assets | 0.5366% | 2,409 |
| Noninterest expense to average assets | 2.1035% | 4,024 |
| Loan and lease loss provision to assets | 0.4319% | 907 |
| Net operating income to assets | 0.5861% | 3,782 |
| Return on assets (ROA) | 0.5206% | 4,042 |
| Pretax return on assets | 0.6159% | 4,028 |
| Return on Equity (ROE) | 3.7642% | 4,179 |
| Retained earnings to average equity (ytd only) | 2.2922% | 3,645 |
| Net charge-offs to loans | 0.0261% | 2,196 |
| Credit loss provision to net charge-offs | 2,300.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 59.9053% | 967 |
| Efficiency ratio | 63.6096% | 2,869 |
| Assets per employee ($millions) | 6.9352% | 1,471 |
| Cash dividends to net income (ytd only)* | 39.1040% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 3,879 |
| Loan loss allowance to noncurrent loans | 193.3167% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 2,715 |
| Noncurrent loans to loans | 0.4810% | 2,706 |
| Net loans and leases to total assets | 69.9933% | 2,030 |
| Net loans and leases to deposits | 93.7888% | 979 |
| Net loans and leases to core deposits | 99.3373% | 1,310 |
| Total domestic deposits to total assets | 74.6286% | 4,548 |
| Equity capital to assets | 13.3415% | 1,023 |
| Core capital (leverage) ratio | 11.0979% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9274% | 1,069 |
| Memoranda: | ||
| Average total assets | $1,011,925,333 | 836 |
| Average earning assets | $929,270,333 | 847 |
| Average equity | $139,950,333 | 700 |
| Average total loans | $727,843,333 | 833 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,824 |
| Cost of funding earning assets | 0.9747% | 1,541 |
| Net interest margin | 3.0126% | 4,262 |
| Noninterest income to average assets | 0.4987% | 2,555 |
| Noninterest expense to average assets | 2.2173% | 3,967 |
| Loan and lease loss provision to assets | 0.2261% | 1,372 |
| Net operating income to assets | 0.6821% | 3,332 |
| Return on assets (ROA) | 0.5866% | 3,695 |
| Pretax return on assets | 0.7037% | 3,678 |
| Return on Equity (ROE) | 4.1626% | 3,908 |
| Retained earnings to average equity (ytd only) | 4.1626% | 2,621 |
| Net charge-offs to loans | 0.0324% | 1,743 |
| Credit loss provision to net charge-offs | 962.0690% | 593 |
| Earnings coverage of net charge-offs (x) | 44.4655% | 972 |
| Efficiency ratio | 66.1823% | 2,935 |
| Assets per employee ($millions) | 6.5638% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7519% | 4,515 |
| Loan loss allowance to noncurrent loans | 204.0971% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 3,175 |
| Noncurrent loans to loans | 0.3684% | 3,169 |
| Net loans and leases to total assets | 71.6512% | 1,971 |
| Net loans and leases to deposits | 97.2060% | 796 |
| Net loans and leases to core deposits | 103.6948% | 1,210 |
| Total domestic deposits to total assets | 73.7107% | 4,678 |
| Equity capital to assets | 14.0930% | 1,029 |
| Core capital (leverage) ratio | 11.7962% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9710% | 1,151 |
| Memoranda: | ||
| Average total assets | $987,345,500 | 832 |
| Average earning assets | $905,672,000 | 835 |
| Average equity | $139,143,000 | 697 |
| Average total loans | $716,935,500 | 819 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 3,857 |
| Cost of funding earning assets | 1.0277% | 1,608 |
| Net interest margin | 3.1512% | 4,285 |
| Noninterest income to average assets | 0.4985% | 2,754 |
| Noninterest expense to average assets | 2.1812% | 4,197 |
| Loan and lease loss provision to assets | 0.0761% | 2,469 |
| Net operating income to assets | 0.8856% | 3,268 |
| Return on assets (ROA) | 0.8929% | 3,320 |
| Pretax return on assets | 1.1340% | 3,063 |
| Return on Equity (ROE) | 6.3933% | 3,786 |
| Retained earnings to average equity (ytd only) | 1.2132% | 4,306 |
| Net charge-offs to loans | 0.0378% | 2,632 |
| Credit loss provision to net charge-offs | 271.7391% | 1,031 |
| Earnings coverage of net charge-offs (x) | 42.8514% | 1,250 |
| Efficiency ratio | 62.6130% | 3,275 |
| Assets per employee ($millions) | 6.2647% | 1,441 |
| Cash dividends to net income (ytd only)* | 81.0233% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6792% | 4,610 |
| Loan loss allowance to noncurrent loans | 179.6392% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 3,152 |
| Noncurrent loans to loans | 0.3781% | 3,082 |
| Net loans and leases to total assets | 72.5380% | 2,003 |
| Net loans and leases to deposits | 96.7692% | 863 |
| Net loans and leases to core deposits | 103.2201% | 1,291 |
| Total domestic deposits to total assets | 74.9598% | 4,708 |
| Equity capital to assets | 14.0922% | 1,069 |
| Core capital (leverage) ratio | 11.4577% | 2,144 |
| Tier 1 risk-based capital ratio | 16.8878% | 2,086 |
| Total risk-based capital ratio | 17.6386% | 2,204 |
| Memoranda: | ||
| Average total assets | $984,953,600 | 795 |
| Average earning assets | $901,267,400 | 801 |
| Average equity | $137,565,800 | 675 |
| Average total loans | $729,819,200 | 782 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 3,921 |
| Cost of funding earning assets | 1.0219% | 1,671 |
| Net interest margin | 3.1772% | 4,350 |
| Noninterest income to average assets | 0.4912% | 2,787 |
| Noninterest expense to average assets | 2.1613% | 4,255 |
| Loan and lease loss provision to assets | 0.0760% | 2,373 |
| Net operating income to assets | 0.9062% | 3,325 |
| Return on assets (ROA) | 0.9176% | 3,362 |
| Pretax return on assets | 1.1709% | 3,070 |
| Return on Equity (ROE) | 6.5847% | 3,848 |
| Retained earnings to average equity (ytd only) | 0.6720% | 4,632 |
| Net charge-offs to loans | 0.0415% | 2,268 |
| Credit loss provision to net charge-offs | 246.4912% | 1,109 |
| Earnings coverage of net charge-offs (x) | 39.9477% | 1,378 |
| Efficiency ratio | 61.7624% | 3,357 |
| Assets per employee ($millions) | 6.2305% | 1,443 |
| Cash dividends to net income (ytd only)* | 89.7949% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6500% | 4,735 |
| Loan loss allowance to noncurrent loans | 199.6209% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 3,411 |
| Noncurrent loans to loans | 0.3256% | 3,364 |
| Net loans and leases to total assets | 73.1176% | 1,976 |
| Net loans and leases to deposits | 97.9317% | 825 |
| Net loans and leases to core deposits | 104.3707% | 1,304 |
| Total domestic deposits to total assets | 74.6618% | 4,773 |
| Equity capital to assets | 13.9305% | 1,180 |
| Core capital (leverage) ratio | 11.3510% | 2,340 |
| Tier 1 risk-based capital ratio | 16.6338% | 2,211 |
| Total risk-based capital ratio | 17.3595% | 2,329 |
| Memoranda: | ||
| Average total assets | $985,301,500 | 795 |
| Average earning assets | $900,131,500 | 799 |
| Average equity | $137,305,750 | 672 |
| Average total loans | $732,690,250 | 777 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 3,963 |
| Cost of funding earning assets | 1.0021% | 1,688 |
| Net interest margin | 3.1821% | 4,396 |
| Noninterest income to average assets | 0.4553% | 2,932 |
| Noninterest expense to average assets | 2.1936% | 4,238 |
| Loan and lease loss provision to assets | 0.0612% | 2,599 |
| Net operating income to assets | 0.8720% | 3,397 |
| Return on assets (ROA) | 0.8799% | 3,424 |
| Pretax return on assets | 1.1168% | 3,188 |
| Return on Equity (ROE) | 6.3134% | 3,940 |
| Retained earnings to average equity (ytd only) | 3.0451% | 3,699 |
| Net charge-offs to loans | 0.0597% | 1,793 |
| Credit loss provision to net charge-offs | 137.4429% | 1,594 |
| Earnings coverage of net charge-offs (x) | 26.2283% | 1,574 |
| Efficiency ratio | 63.2085% | 3,254 |
| Assets per employee ($millions) | 6.3457% | 1,311 |
| Cash dividends to net income (ytd only)* | 51.7680% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6072% | 4,862 |
| Loan loss allowance to noncurrent loans | 168.8747% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 3,264 |
| Noncurrent loans to loans | 0.3596% | 3,250 |
| Net loans and leases to total assets | 74.1945% | 1,857 |
| Net loans and leases to deposits | 99.6901% | 705 |
| Net loans and leases to core deposits | 106.1861% | 1,234 |
| Total domestic deposits to total assets | 74.4252% | 4,804 |
| Equity capital to assets | 14.0557% | 1,098 |
| Core capital (leverage) ratio | 11.4972% | 2,171 |
| Tier 1 risk-based capital ratio | 16.6525% | 2,187 |
| Total risk-based capital ratio | 17.3326% | 2,322 |
| Memoranda: | ||
| Average total assets | $983,517,000 | 791 |
| Average earning assets | $898,270,670 | 797 |
| Average equity | $137,073,330 | 669 |
| Average total loans | $733,893,000 | 772 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 3,973 |
| Cost of funding earning assets | 0.9670% | 1,710 |
| Net interest margin | 3.1924% | 4,400 |
| Noninterest income to average assets | 0.4647% | 2,772 |
| Noninterest expense to average assets | 2.2197% | 4,216 |
| Loan and lease loss provision to assets | 0.0457% | 2,732 |
| Net operating income to assets | 0.8897% | 3,272 |
| Return on assets (ROA) | 0.8952% | 3,306 |
| Pretax return on assets | 1.1201% | 3,092 |
| Return on Equity (ROE) | 6.4511% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.4511% | 2,260 |
| Net charge-offs to loans | 0.0826% | 1,269 |
| Credit loss provision to net charge-offs | 74.1722% | 1,821 |
| Earnings coverage of net charge-offs (x) | 18.8079% | 1,611 |
| Efficiency ratio | 63.3696% | 3,336 |
| Assets per employee ($millions) | 6.4240% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5987% | 4,939 |
| Loan loss allowance to noncurrent loans | 174.5702% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 3,384 |
| Noncurrent loans to loans | 0.3430% | 3,348 |
| Net loans and leases to total assets | 73.2709% | 1,938 |
| Net loans and leases to deposits | 97.4188% | 849 |
| Net loans and leases to core deposits | 103.6656% | 1,340 |
| Total domestic deposits to total assets | 75.2123% | 4,838 |
| Equity capital to assets | 13.9118% | 1,073 |
| Core capital (leverage) ratio | 11.6812% | 2,000 |
| Tier 1 risk-based capital ratio | 16.5860% | 2,236 |
| Total risk-based capital ratio | 17.2453% | 2,388 |
| Memoranda: | ||
| Average total assets | $980,312,500 | 800 |
| Average earning assets | $894,747,000 | 804 |
| Average equity | $136,039,500 | 671 |
| Average total loans | $731,360,500 | 779 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 3,653 |
| Cost of funding earning assets | 0.8376% | 1,352 |
| Net interest margin | 3.2908% | 4,277 |
| Noninterest income to average assets | 0.4651% | 3,021 |
| Noninterest expense to average assets | 2.2421% | 4,239 |
| Loan and lease loss provision to assets | 0.0598% | 2,966 |
| Net operating income to assets | 0.9251% | 3,348 |
| Return on assets (ROA) | 0.9224% | 3,346 |
| Pretax return on assets | 1.1600% | 3,058 |
| Return on Equity (ROE) | 6.8841% | 3,865 |
| Retained earnings to average equity (ytd only) | 5.3547% | 2,556 |
| Net charge-offs to loans | 0.0513% | 2,421 |
| Credit loss provision to net charge-offs | 153.6842% | 1,794 |
| Earnings coverage of net charge-offs (x) | 31.4158% | 1,546 |
| Efficiency ratio | 62.2283% | 3,482 |
| Assets per employee ($millions) | 6.1477% | 1,418 |
| Cash dividends to net income (ytd only)* | 22.2173% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6007% | 4,969 |
| Loan loss allowance to noncurrent loans | 161.3919% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 3,226 |
| Noncurrent loans to loans | 0.3722% | 3,206 |
| Net loans and leases to total assets | 75.0603% | 1,763 |
| Net loans and leases to deposits | 101.2679% | 643 |
| Net loans and leases to core deposits | 108.2961% | 1,101 |
| Total domestic deposits to total assets | 74.1206% | 4,942 |
| Equity capital to assets | 13.8419% | 1,021 |
| Core capital (leverage) ratio | 11.3263% | 2,241 |
| Tier 1 risk-based capital ratio | 16.1862% | 2,347 |
| Total risk-based capital ratio | 16.8499% | 2,497 |
| Memoranda: | ||
| Average total assets | $975,932,800 | 787 |
| Average earning assets | $889,752,400 | 791 |
| Average equity | $130,764,600 | 665 |
| Average total loans | $740,727,400 | 744 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 3,640 |
| Cost of funding earning assets | 0.8046% | 1,312 |
| Net interest margin | 3.2928% | 4,299 |
| Noninterest income to average assets | 0.4431% | 3,215 |
| Noninterest expense to average assets | 2.2234% | 4,272 |
| Loan and lease loss provision to assets | 0.0555% | 2,861 |
| Net operating income to assets | 0.9350% | 3,370 |
| Return on assets (ROA) | 0.9609% | 3,275 |
| Pretax return on assets | 1.1993% | 2,984 |
| Return on Equity (ROE) | 7.2311% | 3,848 |
| Retained earnings to average equity (ytd only) | 5.1774% | 3,129 |
| Net charge-offs to loans | 0.0131% | 2,957 |
| Credit loss provision to net charge-offs | 557.5342% | 637 |
| Earnings coverage of net charge-offs (x) | 122.7134% | 645 |
| Efficiency ratio | 61.9792% | 3,511 |
| Assets per employee ($millions) | 6.1729% | 1,367 |
| Cash dividends to net income (ytd only)* | 28.4010% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6191% | 5,013 |
| Loan loss allowance to noncurrent loans | 182.2017% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 3,465 |
| Noncurrent loans to loans | 0.3398% | 3,440 |
| Net loans and leases to total assets | 74.1729% | 1,952 |
| Net loans and leases to deposits | 100.0899% | 776 |
| Net loans and leases to core deposits | 107.0028% | 1,230 |
| Total domestic deposits to total assets | 74.1063% | 4,970 |
| Equity capital to assets | 13.3472% | 1,189 |
| Core capital (leverage) ratio | 11.1014% | 2,486 |
| Tier 1 risk-based capital ratio | 15.9406% | 2,471 |
| Total risk-based capital ratio | 16.6278% | 2,634 |
| Memoranda: | ||
| Average total assets | $977,083,000 | 784 |
| Average earning assets | $891,021,000 | 787 |
| Average equity | $129,843,000 | 664 |
| Average total loans | $742,536,500 | 742 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 3,488 |
| Cost of funding earning assets | 0.7732% | 1,266 |
| Net interest margin | 3.3166% | 4,201 |
| Noninterest income to average assets | 0.4465% | 3,177 |
| Noninterest expense to average assets | 2.2595% | 4,237 |
| Loan and lease loss provision to assets | 0.0371% | 3,164 |
| Net operating income to assets | 0.9306% | 3,318 |
| Return on assets (ROA) | 0.9541% | 3,220 |
| Pretax return on assets | 1.2046% | 2,926 |
| Return on Equity (ROE) | 7.1901% | 3,836 |
| Retained earnings to average equity (ytd only) | 5.6451% | 2,750 |
| Net charge-offs to loans | 0.0064% | 2,911 |
| Credit loss provision to net charge-offs | 754.1667% | 519 |
| Earnings coverage of net charge-offs (x) | 246.3333% | 363 |
| Efficiency ratio | 62.4306% | 3,569 |
| Assets per employee ($millions) | 6.3229% | 1,258 |
| Cash dividends to net income (ytd only)* | 21.4869% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5895% | 5,120 |
| Loan loss allowance to noncurrent loans | 149.5539% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 3,421 |
| Noncurrent loans to loans | 0.3942% | 3,280 |
| Net loans and leases to total assets | 74.9896% | 1,791 |
| Net loans and leases to deposits | 102.1562% | 651 |
| Net loans and leases to core deposits | 107.6918% | 1,137 |
| Total domestic deposits to total assets | 73.4069% | 5,091 |
| Equity capital to assets | 13.2989% | 1,182 |
| Core capital (leverage) ratio | 10.9011% | 2,612 |
| Tier 1 risk-based capital ratio | 15.9761% | 2,446 |
| Total risk-based capital ratio | 16.6474% | 2,616 |
| Memoranda: | ||
| Average total assets | $975,611,670 | 783 |
| Average earning assets | $889,815,330 | 785 |
| Average equity | $129,456,670 | 664 |
| Average total loans | $745,868,670 | 742 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 3,358 |
| Cost of funding earning assets | 0.7349% | 1,261 |
| Net interest margin | 3.3288% | 4,110 |
| Noninterest income to average assets | 0.4274% | 3,266 |
| Noninterest expense to average assets | 2.3653% | 4,029 |
| Loan and lease loss provision to assets | 0.0012% | 3,500 |
| Net operating income to assets | 0.8619% | 3,446 |
| Return on assets (ROA) | 0.8905% | 3,347 |
| Pretax return on assets | 1.1329% | 3,037 |
| Return on Equity (ROE) | 6.7185% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.7185% | 2,402 |
| Net charge-offs to loans | 0.0101% | 2,385 |
| Credit loss provision to net charge-offs | 15.7895% | 2,148 |
| Earnings coverage of net charge-offs (x) | 140.6316% | 461 |
| Efficiency ratio | 65.2468% | 3,287 |
| Assets per employee ($millions) | 6.4262% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 5,251 |
| Loan loss allowance to noncurrent loans | 140.8143% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,483 |
| Noncurrent loans to loans | 0.3978% | 3,359 |
| Net loans and leases to total assets | 76.0559% | 1,536 |
| Net loans and leases to deposits | 107.0595% | 342 |
| Net loans and leases to core deposits | 111.6413% | 907 |
| Total domestic deposits to total assets | 71.0408% | 5,330 |
| Equity capital to assets | 13.2200% | 1,149 |
| Core capital (leverage) ratio | 10.7590% | 2,678 |
| Tier 1 risk-based capital ratio | 15.5367% | 2,652 |
| Total risk-based capital ratio | 16.1739% | 2,835 |
| Memoranda: | ||
| Average total assets | $973,392,500 | 783 |
| Average earning assets | $887,769,500 | 791 |
| Average equity | $129,017,000 | 663 |
| Average total loans | $749,156,000 | 739 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 2,429 |
| Cost of funding earning assets | 0.7108% | 972 |
| Net interest margin | 3.5583% | 3,311 |
| Noninterest income to average assets | 0.5105% | 2,932 |
| Noninterest expense to average assets | 2.7293% | 3,031 |
| Loan and lease loss provision to assets | 0.0680% | 2,843 |
| Net operating income to assets | 0.5998% | 4,012 |
| Return on assets (ROA) | 0.5780% | 4,141 |
| Pretax return on assets | 0.9320% | 3,799 |
| Return on Equity (ROE) | 4.3040% | 4,408 |
| Retained earnings to average equity (ytd only) | 2.3974% | 3,894 |
| Net charge-offs to loans | 0.0292% | 3,223 |
| Credit loss provision to net charge-offs | 301.7045% | 937 |
| Earnings coverage of net charge-offs (x) | 45.9034% | 1,162 |
| Efficiency ratio | 69.8946% | 2,571 |
| Assets per employee ($millions) | 6.7361% | 1,086 |
| Cash dividends to net income (ytd only)* | 44.2968% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5592% | 5,311 |
| Loan loss allowance to noncurrent loans | 143.6239% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 3,511 |
| Noncurrent loans to loans | 0.3894% | 3,364 |
| Net loans and leases to total assets | 77.0127% | 1,424 |
| Net loans and leases to deposits | 107.1567% | 349 |
| Net loans and leases to core deposits | 111.9504% | 902 |
| Total domestic deposits to total assets | 71.8692% | 5,327 |
| Equity capital to assets | 13.2890% | 1,134 |
| Core capital (leverage) ratio | 10.5459% | 2,791 |
| Tier 1 risk-based capital ratio | 15.1494% | 2,772 |
| Total risk-based capital ratio | 15.7875% | 2,992 |
| Memoranda: | ||
| Average total assets | $781,195,200 | 952 |
| Average earning assets | $714,155,800 | 963 |
| Average equity | $104,903,200 | 783 |
| Average total loans | $603,586,000 | 862 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,382 |
| Cost of funding earning assets | 0.7068% | 932 |
| Net interest margin | 3.5589% | 3,295 |
| Noninterest income to average assets | 0.5257% | 2,862 |
| Noninterest expense to average assets | 2.9186% | 2,342 |
| Loan and lease loss provision to assets | 0.0501% | 3,091 |
| Net operating income to assets | 0.5600% | 4,540 |
| Return on assets (ROA) | 0.5667% | 4,560 |
| Pretax return on assets | 0.8240% | 4,291 |
| Return on Equity (ROE) | 4.2060% | 4,790 |
| Retained earnings to average equity (ytd only) | 2.8580% | 4,203 |
| Net charge-offs to loans | 0.0395% | 2,645 |
| Credit loss provision to net charge-offs | 164.2857% | 1,571 |
| Earnings coverage of net charge-offs (x) | 28.3220% | 1,613 |
| Efficiency ratio | 74.6795% | 1,795 |
| Assets per employee ($millions) | 6.5968% | 1,128 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5263% | 5,434 |
| Loan loss allowance to noncurrent loans | 149.3202% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 3,817 |
| Noncurrent loans to loans | 0.3524% | 3,686 |
| Net loans and leases to total assets | 76.0371% | 1,590 |
| Net loans and leases to deposits | 104.7333% | 461 |
| Net loans and leases to core deposits | 109.3200% | 1,069 |
| Total domestic deposits to total assets | 72.6007% | 5,345 |
| Equity capital to assets | 13.0786% | 1,345 |
| Core capital (leverage) ratio | 10.4982% | 2,989 |
| Tier 1 risk-based capital ratio | 14.7148% | 3,055 |
| Total risk-based capital ratio | 15.2995% | 3,333 |
| Memoranda: | ||
| Average total assets | $733,993,000 | 1,006 |
| Average earning assets | $671,760,000 | 1,018 |
| Average equity | $98,903,000 | 837 |
| Average total loans | $566,675,750 | 906 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1706% | 2,579 |
| Cost of funding earning assets | 0.7084% | 858 |
| Net interest margin | 3.4621% | 3,536 |
| Noninterest income to average assets | 0.5653% | 2,633 |
| Noninterest expense to average assets | 3.1849% | 1,617 |
| Loan and lease loss provision to assets | 0.0535% | 2,908 |
| Net operating income to assets | 0.3461% | 5,108 |
| Return on assets (ROA) | 0.3564% | 5,101 |
| Pretax return on assets | 0.5204% | 4,974 |
| Return on Equity (ROE) | 2.6062% | 5,217 |
| Retained earnings to average equity (ytd only) | 2.6062% | 4,140 |
| Net charge-offs to loans | 0.0182% | 2,884 |
| Credit loss provision to net charge-offs | 378.2609% | 819 |
| Earnings coverage of net charge-offs (x) | 39.5435% | 1,258 |
| Efficiency ratio | 82.9641% | 922 |
| Assets per employee ($millions) | 5.8769% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5383% | 5,473 |
| Loan loss allowance to noncurrent loans | 91.4825% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 3,277 |
| Noncurrent loans to loans | 0.5884% | 2,966 |
| Net loans and leases to total assets | 75.2646% | 1,651 |
| Net loans and leases to deposits | 102.9109% | 555 |
| Net loans and leases to core deposits | 107.3855% | 1,136 |
| Total domestic deposits to total assets | 73.1357% | 5,374 |
| Equity capital to assets | 13.1016% | 1,327 |
| Core capital (leverage) ratio | 10.7371% | 2,669 |
| Tier 1 risk-based capital ratio | 15.1845% | 2,846 |
| Total risk-based capital ratio | 15.7943% | 3,062 |
| Memoranda: | ||
| Average total assets | $651,017,000 | 1,122 |
| Average earning assets | $597,665,330 | 1,128 |
| Average equity | $89,020,000 | 920 |
| Average total loans | $505,121,330 | 1,012 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 4,231 |
| Cost of funding earning assets | 0.7592% | 621 |
| Net interest margin | 2.9024% | 5,080 |
| Noninterest income to average assets | 0.5156% | 2,868 |
| Noninterest expense to average assets | 2.3587% | 4,235 |
| Loan and lease loss provision to assets | 0.0025% | 3,520 |
| Net operating income to assets | 0.5598% | 4,330 |
| Return on assets (ROA) | 0.5598% | 4,377 |
| Pretax return on assets | 0.8422% | 3,964 |
| Return on Equity (ROE) | 3.9298% | 4,805 |
| Retained earnings to average equity (ytd only) | 3.9298% | 3,482 |
| Net charge-offs to loans | 0.0638% | 1,692 |
| Credit loss provision to net charge-offs | 4.8387% | 2,255 |
| Earnings coverage of net charge-offs (x) | 16.6452% | 1,633 |
| Efficiency ratio | 73.6331% | 2,292 |
| Assets per employee ($millions) | 5.9885% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 4,461 |
| Loan loss allowance to noncurrent loans | 514.5380% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 4,563 |
| Noncurrent loans to loans | 0.1879% | 4,453 |
| Net loans and leases to total assets | 79.0005% | 983 |
| Net loans and leases to deposits | 104.6284% | 376 |
| Net loans and leases to core deposits | 108.1649% | 966 |
| Total domestic deposits to total assets | 75.5058% | 5,284 |
| Equity capital to assets | 14.2736% | 827 |
| Core capital (leverage) ratio | 12.9929% | 1,144 |
| Tier 1 risk-based capital ratio | 20.0342% | 1,381 |
| Total risk-based capital ratio | 21.2601% | 1,356 |
| Memoranda: | ||
| Average total assets | $488,740,000 | 1,451 |
| Average earning assets | $452,591,000 | 1,450 |
| Average equity | $69,622,500 | 1,139 |
| Average total loans | $388,565,000 | 1,282 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 4,349 |
| Cost of funding earning assets | 0.7843% | 547 |
| Net interest margin | 2.8724% | 5,180 |
| Noninterest income to average assets | 0.5187% | 3,108 |
| Noninterest expense to average assets | 2.2551% | 4,643 |
| Loan and lease loss provision to assets | 0.0216% | 3,937 |
| Net operating income to assets | 0.6203% | 4,120 |
| Return on assets (ROA) | 0.6321% | 4,187 |
| Pretax return on assets | 0.9162% | 3,786 |
| Return on Equity (ROE) | 4.3456% | 4,718 |
| Retained earnings to average equity (ytd only) | -2.7947% | 5,580 |
| Net charge-offs to loans | 0.0363% | 3,300 |
| Credit loss provision to net charge-offs | 77.0370% | 3,022 |
| Earnings coverage of net charge-offs (x) | 32.8370% | 1,353 |
| Efficiency ratio | 71.0072% | 2,749 |
| Assets per employee ($millions) | 5.7226% | 1,677 |
| Cash dividends to net income (ytd only)* | 164.3115% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 4,344 |
| Loan loss allowance to noncurrent loans | 510.0796% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 4,493 |
| Noncurrent loans to loans | 0.1956% | 4,455 |
| Net loans and leases to total assets | 78.4419% | 1,136 |
| Net loans and leases to deposits | 104.9162% | 391 |
| Net loans and leases to core deposits | 108.4751% | 994 |
| Total domestic deposits to total assets | 74.7663% | 5,374 |
| Equity capital to assets | 14.2167% | 821 |
| Core capital (leverage) ratio | 12.7848% | 1,218 |
| Tier 1 risk-based capital ratio | 20.3677% | 1,311 |
| Total risk-based capital ratio | 21.6182% | 1,286 |
| Memoranda: | ||
| Average total assets | $481,437,000 | 1,428 |
| Average earning assets | $445,376,000 | 1,427 |
| Average equity | $70,024,200 | 1,129 |
| Average total loans | $371,927,400 | 1,268 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 4,405 |
| Cost of funding earning assets | 0.7848% | 546 |
| Net interest margin | 2.8654% | 5,239 |
| Noninterest income to average assets | 0.5240% | 3,086 |
| Noninterest expense to average assets | 2.2478% | 4,653 |
| Loan and lease loss provision to assets | 0.0169% | 3,905 |
| Net operating income to assets | 0.6547% | 4,060 |
| Return on assets (ROA) | 0.6711% | 4,122 |
| Pretax return on assets | 0.9333% | 3,867 |
| Return on Equity (ROE) | 4.5852% | 4,681 |
| Retained earnings to average equity (ytd only) | -4.9001% | 5,732 |
| Net charge-offs to loans | 0.0467% | 2,709 |
| Credit loss provision to net charge-offs | 47.2868% | 3,068 |
| Earnings coverage of net charge-offs (x) | 25.8908% | 1,618 |
| Efficiency ratio | 70.7914% | 2,777 |
| Assets per employee ($millions) | 5.8031% | 1,581 |
| Cash dividends to net income (ytd only)* | 206.8678% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 4,432 |
| Loan loss allowance to noncurrent loans | 552.8302% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 4,646 |
| Noncurrent loans to loans | 0.1803% | 4,629 |
| Net loans and leases to total assets | 76.6997% | 1,409 |
| Net loans and leases to deposits | 102.2121% | 553 |
| Net loans and leases to core deposits | 105.3855% | 1,241 |
| Total domestic deposits to total assets | 75.0398% | 5,331 |
| Equity capital to assets | 14.1161% | 996 |
| Core capital (leverage) ratio | 12.7531% | 1,290 |
| Tier 1 risk-based capital ratio | 20.1153% | 1,426 |
| Total risk-based capital ratio | 21.3660% | 1,384 |
| Memoranda: | ||
| Average total assets | $480,170,000 | 1,433 |
| Average earning assets | $444,281,000 | 1,434 |
| Average equity | $70,282,500 | 1,124 |
| Average total loans | $368,558,500 | 1,277 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6673% | 4,391 |
| Cost of funding earning assets | 0.7880% | 523 |
| Net interest margin | 2.8793% | 5,302 |
| Noninterest income to average assets | 0.5317% | 2,995 |
| Noninterest expense to average assets | 2.0773% | 5,108 |
| Loan and lease loss provision to assets | -0.0198% | 5,783 |
| Net operating income to assets | 0.7930% | 3,342 |
| Return on assets (ROA) | 0.8171% | 3,367 |
| Pretax return on assets | 1.1702% | 2,901 |
| Return on Equity (ROE) | 5.5149% | 4,283 |
| Retained earnings to average equity (ytd only) | -5.8326% | 5,779 |
| Net charge-offs to loans | 0.0703% | 2,183 |
| Credit loss provision to net charge-offs | -36.7188% | 4,503 |
| Earnings coverage of net charge-offs (x) | 20.7422% | 1,711 |
| Efficiency ratio | 65.0520% | 3,838 |
| Assets per employee ($millions) | 5.3642% | 1,922 |
| Cash dividends to net income (ytd only)* | 205.7613% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 4,544 |
| Loan loss allowance to noncurrent loans | 397.6369% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 4,619 |
| Noncurrent loans to loans | 0.2509% | 4,454 |
| Net loans and leases to total assets | 76.0882% | 1,482 |
| Net loans and leases to deposits | 104.0081% | 460 |
| Net loans and leases to core deposits | 107.7284% | 1,050 |
| Total domestic deposits to total assets | 73.1560% | 5,594 |
| Equity capital to assets | 14.5701% | 854 |
| Core capital (leverage) ratio | 12.9521% | 1,165 |
| Tier 1 risk-based capital ratio | 20.9531% | 1,275 |
| Total risk-based capital ratio | 22.2062% | 1,262 |
| Memoranda: | ||
| Average total assets | $475,805,000 | 1,443 |
| Average earning assets | $439,835,330 | 1,455 |
| Average equity | $70,500,000 | 1,120 |
| Average total loans | $364,030,670 | 1,289 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7010% | 4,321 |
| Cost of funding earning assets | 0.7891% | 515 |
| Net interest margin | 2.9119% | 5,304 |
| Noninterest income to average assets | 0.5598% | 2,746 |
| Noninterest expense to average assets | 2.0893% | 5,135 |
| Loan and lease loss provision to assets | 0.0025% | 3,640 |
| Net operating income to assets | 0.7947% | 3,274 |
| Return on assets (ROA) | 0.8427% | 3,152 |
| Pretax return on assets | 1.2280% | 2,589 |
| Return on Equity (ROE) | 5.6391% | 4,155 |
| Retained earnings to average equity (ytd only) | -17.0306% | 5,933 |
| Net charge-offs to loans | 0.0200% | 2,537 |
| Credit loss provision to net charge-offs | 16.6667% | 2,319 |
| Earnings coverage of net charge-offs (x) | 76.1667% | 661 |
| Efficiency ratio | 64.2783% | 4,076 |
| Assets per employee ($millions) | 5.5627% | 1,777 |
| Cash dividends to net income (ytd only)* | 402.0101% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 4,268 |
| Loan loss allowance to noncurrent loans | 406.9547% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 4,608 |
| Noncurrent loans to loans | 0.2612% | 4,500 |
| Net loans and leases to total assets | 75.1534% | 1,523 |
| Net loans and leases to deposits | 102.8457% | 473 |
| Net loans and leases to core deposits | 106.2687% | 1,060 |
| Total domestic deposits to total assets | 73.0739% | 5,695 |
| Equity capital to assets | 14.4443% | 843 |
| Core capital (leverage) ratio | 13.0599% | 1,136 |
| Tier 1 risk-based capital ratio | 21.2445% | 1,276 |
| Total risk-based capital ratio | 22.4959% | 1,247 |
| Memoranda: | ||
| Average total assets | $472,316,500 | 1,455 |
| Average earning assets | $436,422,500 | 1,461 |
| Average equity | $70,579,000 | 1,116 |
| Average total loans | $360,525,000 | 1,294 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7838% | 4,094 |
| Cost of funding earning assets | 0.7769% | 554 |
| Net interest margin | 3.0068% | 5,124 |
| Noninterest income to average assets | 0.5656% | 2,929 |
| Noninterest expense to average assets | 2.1671% | 5,121 |
| Loan and lease loss provision to assets | 0.0026% | 4,335 |
| Net operating income to assets | 0.8109% | 3,296 |
| Return on assets (ROA) | 0.8367% | 3,245 |
| Pretax return on assets | 1.2040% | 2,646 |
| Return on Equity (ROE) | 5.3663% | 4,341 |
| Retained earnings to average equity (ytd only) | 2.5663% | 4,243 |
| Net charge-offs to loans | 0.0064% | 4,226 |
| Credit loss provision to net charge-offs | 54.5455% | 3,340 |
| Earnings coverage of net charge-offs (x) | 243.5000% | 287 |
| Efficiency ratio | 64.0301% | 4,257 |
| Assets per employee ($millions) | 5.1805% | 2,141 |
| Cash dividends to net income (ytd only)* | 52.1785% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 4,123 |
| Loan loss allowance to noncurrent loans | 589.2097% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 4,754 |
| Noncurrent loans to loans | 0.1840% | 4,752 |
| Net loans and leases to total assets | 75.8798% | 1,440 |
| Net loans and leases to deposits | 107.8915% | 302 |
| Net loans and leases to core deposits | 111.5386% | 794 |
| Total domestic deposits to total assets | 70.3298% | 5,878 |
| Equity capital to assets | 15.4550% | 606 |
| Core capital (leverage) ratio | 13.9718% | 830 |
| Tier 1 risk-based capital ratio | 22.3072% | 1,108 |
| Total risk-based capital ratio | 23.5587% | 1,088 |
| Memoranda: | ||
| Average total assets | $458,120,800 | 1,468 |
| Average earning assets | $422,170,800 | 1,473 |
| Average equity | $71,426,800 | 1,061 |
| Average total loans | $341,953,800 | 1,313 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7864% | 4,137 |
| Cost of funding earning assets | 0.7767% | 571 |
| Net interest margin | 3.0097% | 5,163 |
| Noninterest income to average assets | 0.5666% | 2,939 |
| Noninterest expense to average assets | 2.1765% | 5,113 |
| Loan and lease loss provision to assets | 0.0026% | 4,198 |
| Net operating income to assets | 0.8070% | 3,399 |
| Return on assets (ROA) | 0.8415% | 3,300 |
| Pretax return on assets | 1.2110% | 2,776 |
| Return on Equity (ROE) | 5.3732% | 4,457 |
| Retained earnings to average equity (ytd only) | 1.6392% | 5,047 |
| Net charge-offs to loans | -0.0193% | 5,200 |
| Credit loss provision to net charge-offs | -18.3673% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0581% | 4,238 |
| Assets per employee ($millions) | 5.1341% | 2,135 |
| Cash dividends to net income (ytd only)* | 69.4927% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 4,101 |
| Loan loss allowance to noncurrent loans | 584.4444% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 4,883 |
| Noncurrent loans to loans | 0.1919% | 4,874 |
| Net loans and leases to total assets | 74.4251% | 1,654 |
| Net loans and leases to deposits | 104.4374% | 434 |
| Net loans and leases to core deposits | 107.3761% | 1,012 |
| Total domestic deposits to total assets | 71.2628% | 5,914 |
| Equity capital to assets | 15.3675% | 669 |
| Core capital (leverage) ratio | 13.7895% | 912 |
| Tier 1 risk-based capital ratio | 22.2358% | 1,158 |
| Total risk-based capital ratio | 23.4878% | 1,139 |
| Memoranda: | ||
| Average total assets | $456,014,750 | 1,481 |
| Average earning assets | $420,226,250 | 1,486 |
| Average equity | $71,414,750 | 1,071 |
| Average total loans | $338,026,500 | 1,328 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8070% | 4,039 |
| Cost of funding earning assets | 0.7714% | 583 |
| Net interest margin | 3.0356% | 5,135 |
| Noninterest income to average assets | 0.5523% | 3,025 |
| Noninterest expense to average assets | 2.1889% | 5,150 |
| Loan and lease loss provision to assets | 0.0027% | 4,031 |
| Net operating income to assets | 0.8145% | 3,308 |
| Return on assets (ROA) | 0.8145% | 3,415 |
| Pretax return on assets | 1.1572% | 2,945 |
| Return on Equity (ROE) | 5.1678% | 4,542 |
| Retained earnings to average equity (ytd only) | 2.3623% | 4,555 |
| Net charge-offs to loans | 0.0552% | 2,621 |
| Credit loss provision to net charge-offs | 6.5217% | 3,119 |
| Earnings coverage of net charge-offs (x) | 28.5109% | 1,414 |
| Efficiency ratio | 64.2546% | 4,314 |
| Assets per employee ($millions) | 5.1119% | 2,132 |
| Cash dividends to net income (ytd only)* | 54.2888% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 4,250 |
| Loan loss allowance to noncurrent loans | 722.6236% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 5,028 |
| Noncurrent loans to loans | 0.1542% | 5,134 |
| Net loans and leases to total assets | 73.3170% | 1,767 |
| Net loans and leases to deposits | 102.9237% | 504 |
| Net loans and leases to core deposits | 105.9410% | 1,072 |
| Total domestic deposits to total assets | 71.2343% | 5,974 |
| Equity capital to assets | 15.5596% | 595 |
| Core capital (leverage) ratio | 13.9341% | 860 |
| Tier 1 risk-based capital ratio | 22.0997% | 1,191 |
| Total risk-based capital ratio | 23.3509% | 1,173 |
| Memoranda: | ||
| Average total assets | $452,286,330 | 1,505 |
| Average earning assets | $416,652,330 | 1,504 |
| Average equity | $71,287,330 | 1,076 |
| Average total loans | $333,482,330 | 1,346 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 3,740 |
| Cost of funding earning assets | 0.7547% | 638 |
| Net interest margin | 3.1166% | 4,899 |
| Noninterest income to average assets | 0.5138% | 3,197 |
| Noninterest expense to average assets | 2.2141% | 5,109 |
| Loan and lease loss provision to assets | 0.0027% | 3,679 |
| Net operating income to assets | 0.8020% | 3,247 |
| Return on assets (ROA) | 0.8020% | 3,376 |
| Pretax return on assets | 1.1668% | 2,802 |
| Return on Equity (ROE) | 5.0550% | 4,503 |
| Retained earnings to average equity (ytd only) | -0.5679% | 5,482 |
| Net charge-offs to loans | 0.0631% | 2,115 |
| Credit loss provision to net charge-offs | 5.7692% | 2,461 |
| Earnings coverage of net charge-offs (x) | 25.2115% | 1,275 |
| Efficiency ratio | 64.3290% | 4,426 |
| Assets per employee ($millions) | 5.1898% | 2,123 |
| Cash dividends to net income (ytd only)* | 111.2347% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 4,247 |
| Loan loss allowance to noncurrent loans | 548.2857% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 4,937 |
| Noncurrent loans to loans | 0.2103% | 5,026 |
| Net loans and leases to total assets | 72.8679% | 1,679 |
| Net loans and leases to deposits | 102.2841% | 443 |
| Net loans and leases to core deposits | 104.3285% | 1,044 |
| Total domestic deposits to total assets | 71.2407% | 6,077 |
| Equity capital to assets | 15.7665% | 577 |
| Core capital (leverage) ratio | 13.9611% | 834 |
| Tier 1 risk-based capital ratio | 21.5283% | 1,316 |
| Total risk-based capital ratio | 22.7796% | 1,289 |
| Memoranda: | ||
| Average total assets | $448,392,000 | 1,524 |
| Average earning assets | $412,889,000 | 1,519 |
| Average equity | $71,138,000 | 1,081 |
| Average total loans | $329,666,500 | 1,362 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 4,366 |
| Cost of funding earning assets | 0.8403% | 539 |
| Net interest margin | 2.9972% | 5,453 |
| Noninterest income to average assets | 0.6434% | 2,599 |
| Noninterest expense to average assets | 2.2393% | 5,268 |
| Loan and lease loss provision to assets | 0.0027% | 4,549 |
| Net operating income to assets | 0.8249% | 3,256 |
| Return on assets (ROA) | 0.8377% | 3,282 |
| Pretax return on assets | 1.1727% | 2,769 |
| Return on Equity (ROE) | 5.1779% | 4,574 |
| Retained earnings to average equity (ytd only) | 0.9453% | 5,356 |
| Net charge-offs to loans | 0.1278% | 2,748 |
| Credit loss provision to net charge-offs | 3.0534% | 4,179 |
| Earnings coverage of net charge-offs (x) | 12.9033% | 2,326 |
| Efficiency ratio | 64.7964% | 4,436 |
| Assets per employee ($millions) | 4.9475% | 2,386 |
| Cash dividends to net income (ytd only)* | 81.7439% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 4,061 |
| Loan loss allowance to noncurrent loans | 532.4658% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 5,158 |
| Noncurrent loans to loans | 0.2236% | 5,027 |
| Net loans and leases to total assets | 72.4503% | 1,840 |
| Net loans and leases to deposits | 103.6602% | 447 |
| Net loans and leases to core deposits | 105.5383% | 1,043 |
| Total domestic deposits to total assets | 69.8921% | 6,201 |
| Equity capital to assets | 15.9652% | 543 |
| Core capital (leverage) ratio | 14.0824% | 794 |
| Tier 1 risk-based capital ratio | 20.9861% | 1,409 |
| Total risk-based capital ratio | 22.2372% | 1,374 |
| Memoranda: | ||
| Average total assets | $438,122,400 | 1,519 |
| Average earning assets | $402,478,600 | 1,518 |
| Average equity | $70,877,800 | 1,037 |
| Average total loans | $307,559,200 | 1,395 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 4,455 |
| Cost of funding earning assets | 0.8616% | 512 |
| Net interest margin | 2.9627% | 5,581 |
| Noninterest income to average assets | 0.6487% | 2,581 |
| Noninterest expense to average assets | 2.2291% | 5,285 |
| Loan and lease loss provision to assets | 0.0028% | 4,352 |
| Net operating income to assets | 0.8102% | 3,382 |
| Return on assets (ROA) | 0.8159% | 3,454 |
| Pretax return on assets | 1.1453% | 3,009 |
| Return on Equity (ROE) | 5.0263% | 4,705 |
| Retained earnings to average equity (ytd only) | 1.2613% | 5,393 |
| Net charge-offs to loans | 0.1308% | 2,488 |
| Credit loss provision to net charge-offs | 3.0303% | 3,775 |
| Earnings coverage of net charge-offs (x) | 12.5623% | 2,303 |
| Efficiency ratio | 65.0190% | 4,367 |
| Assets per employee ($millions) | 5.0435% | 2,192 |
| Cash dividends to net income (ytd only)* | 74.9064% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 3,887 |
| Loan loss allowance to noncurrent loans | 644.0129% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 5,242 |
| Noncurrent loans to loans | 0.1955% | 5,321 |
| Net loans and leases to total assets | 70.3205% | 2,141 |
| Net loans and leases to deposits | 97.2911% | 773 |
| Net loans and leases to core deposits | 99.0857% | 1,445 |
| Total domestic deposits to total assets | 72.2785% | 6,158 |
| Equity capital to assets | 15.9865% | 570 |
| Core capital (leverage) ratio | 14.2118% | 790 |
| Tier 1 risk-based capital ratio | 21.4091% | 1,372 |
| Total risk-based capital ratio | 22.6608% | 1,340 |
| Memoranda: | ||
| Average total assets | $436,334,250 | 1,532 |
| Average earning assets | $400,659,250 | 1,536 |
| Average equity | $70,825,000 | 1,037 |
| Average total loans | $302,826,500 | 1,421 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 4,473 |
| Cost of funding earning assets | 0.8664% | 511 |
| Net interest margin | 2.9481% | 5,640 |
| Noninterest income to average assets | 0.6473% | 2,560 |
| Noninterest expense to average assets | 2.2350% | 5,326 |
| Loan and lease loss provision to assets | 0.0028% | 4,158 |
| Net operating income to assets | 0.8040% | 3,307 |
| Return on assets (ROA) | 0.8040% | 3,411 |
| Pretax return on assets | 1.1156% | 3,035 |
| Return on Equity (ROE) | 4.9278% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.9278% | 3,003 |
| Net charge-offs to loans | 0.0469% | 3,309 |
| Credit loss provision to net charge-offs | 8.5714% | 3,318 |
| Earnings coverage of net charge-offs (x) | 34.6571% | 1,160 |
| Efficiency ratio | 65.4935% | 4,446 |
| Assets per employee ($millions) | 4.9621% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 3,476 |
| Loan loss allowance to noncurrent loans | 260.4709% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 4,476 |
| Noncurrent loans to loans | 0.5276% | 4,429 |
| Net loans and leases to total assets | 69.0989% | 2,224 |
| Net loans and leases to deposits | 93.2613% | 1,028 |
| Net loans and leases to core deposits | 95.1514% | 1,674 |
| Total domestic deposits to total assets | 74.0918% | 6,105 |
| Equity capital to assets | 16.4996% | 479 |
| Core capital (leverage) ratio | 14.6710% | 662 |
| Tier 1 risk-based capital ratio | 22.1550% | 1,235 |
| Total risk-based capital ratio | 23.4082% | 1,215 |
| Memoranda: | ||
| Average total assets | $433,835,000 | 1,543 |
| Average earning assets | $398,221,000 | 1,541 |
| Average equity | $70,782,330 | 1,030 |
| Average total loans | $298,407,000 | 1,437 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8078% | 4,459 |
| Cost of funding earning assets | 0.8856% | 490 |
| Net interest margin | 2.9221% | 5,703 |
| Noninterest income to average assets | 0.6133% | 2,654 |
| Noninterest expense to average assets | 2.2876% | 5,224 |
| Loan and lease loss provision to assets | 0.0028% | 3,786 |
| Net operating income to assets | 0.7548% | 3,389 |
| Return on assets (ROA) | 0.7548% | 3,473 |
| Pretax return on assets | 1.0027% | 3,306 |
| Return on Equity (ROE) | 4.6529% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.6529% | 3,325 |
| Net charge-offs to loans | 0.0109% | 3,406 |
| Credit loss provision to net charge-offs | 37.5000% | 2,319 |
| Earnings coverage of net charge-offs (x) | 135.8750% | 365 |
| Efficiency ratio | 68.2865% | 4,136 |
| Assets per employee ($millions) | 5.0443% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 3,376 |
| Loan loss allowance to noncurrent loans | 275.9223% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6012% | 4,346 |
| Noncurrent loans to loans | 0.5245% | 4,600 |
| Net loans and leases to total assets | 66.9175% | 2,409 |
| Net loans and leases to deposits | 89.1372% | 1,235 |
| Net loans and leases to core deposits | 90.9217% | 1,834 |
| Total domestic deposits to total assets | 75.0726% | 6,151 |
| Equity capital to assets | 16.2985% | 485 |
| Core capital (leverage) ratio | 14.4913% | 704 |
| Tier 1 risk-based capital ratio | 22.3694% | 1,237 |
| Total risk-based capital ratio | 23.6231% | 1,214 |
| Memoranda: | ||
| Average total assets | $432,420,500 | 1,554 |
| Average earning assets | $396,557,500 | 1,556 |
| Average equity | $70,149,500 | 1,038 |
| Average total loans | $294,643,500 | 1,457 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 4,497 |
| Cost of funding earning assets | 0.9777% | 506 |
| Net interest margin | 2.9122% | 5,767 |
| Noninterest income to average assets | 0.6137% | 3,006 |
| Noninterest expense to average assets | 2.2408% | 5,526 |
| Loan and lease loss provision to assets | 0.0375% | 4,365 |
| Net operating income to assets | 0.7447% | 3,582 |
| Return on assets (ROA) | 0.7482% | 3,654 |
| Pretax return on assets | 1.0130% | 3,299 |
| Return on Equity (ROE) | 4.7281% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.7281% | 2,791 |
| Net charge-offs to loans | 0.0129% | 5,195 |
| Credit loss provision to net charge-offs | 428.9474% | 532 |
| Earnings coverage of net charge-offs (x) | 119.6316% | 393 |
| Efficiency ratio | 67.0073% | 4,370 |
| Assets per employee ($millions) | 4.7366% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 3,426 |
| Loan loss allowance to noncurrent loans | 323.5785% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 4,574 |
| Noncurrent loans to loans | 0.4475% | 4,880 |
| Net loans and leases to total assets | 67.3875% | 2,461 |
| Net loans and leases to deposits | 89.3625% | 1,302 |
| Net loans and leases to core deposits | 91.2720% | 1,879 |
| Total domestic deposits to total assets | 75.4091% | 6,151 |
| Equity capital to assets | 16.1461% | 506 |
| Core capital (leverage) ratio | 14.2402% | 760 |
| Tier 1 risk-based capital ratio | 22.2957% | 1,204 |
| Total risk-based capital ratio | 23.5498% | 1,181 |
| Memoranda: | ||
| Average total assets | $434,758,000 | 1,521 |
| Average earning assets | $399,010,800 | 1,512 |
| Average equity | $68,801,000 | 1,038 |
| Average total loans | $293,946,000 | 1,443 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 4,534 |
| Cost of funding earning assets | 0.9920% | 514 |
| Net interest margin | 2.8991% | 5,817 |
| Noninterest income to average assets | 0.6108% | 3,072 |
| Noninterest expense to average assets | 2.2542% | 5,469 |
| Loan and lease loss provision to assets | 0.0490% | 4,033 |
| Net operating income to assets | 0.7250% | 3,729 |
| Return on assets (ROA) | 0.7299% | 3,829 |
| Pretax return on assets | 0.9765% | 3,601 |
| Return on Equity (ROE) | 4.6353% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.6353% | 3,371 |
| Net charge-offs to loans | 0.1657% | 2,898 |
| Credit loss provision to net charge-offs | 43.8356% | 3,637 |
| Earnings coverage of net charge-offs (x) | 9.1234% | 2,520 |
| Efficiency ratio | 67.6889% | 4,149 |
| Assets per employee ($millions) | 4.6363% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 4,274 |
| Loan loss allowance to noncurrent loans | 195.8230% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 4,636 |
| Noncurrent loans to loans | 0.6758% | 4,511 |
| Net loans and leases to total assets | 67.3778% | 2,398 |
| Net loans and leases to deposits | 89.6602% | 1,207 |
| Net loans and leases to core deposits | 91.4778% | 1,818 |
| Total domestic deposits to total assets | 75.1479% | 6,264 |
| Equity capital to assets | 15.8360% | 576 |
| Core capital (leverage) ratio | 14.0957% | 849 |
| Tier 1 risk-based capital ratio | 21.8809% | 1,338 |
| Total risk-based capital ratio | 23.1332% | 1,321 |
| Memoranda: | ||
| Average total assets | $435,689,000 | 1,532 |
| Average earning assets | $400,107,750 | 1,520 |
| Average equity | $68,602,500 | 1,050 |
| Average total loans | $293,749,750 | 1,437 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9163% | 4,416 |
| Cost of funding earning assets | 1.0126% | 511 |
| Net interest margin | 2.9037% | 5,796 |
| Noninterest income to average assets | 0.6455% | 2,936 |
| Noninterest expense to average assets | 2.2798% | 5,421 |
| Loan and lease loss provision to assets | 0.0721% | 3,594 |
| Net operating income to assets | 0.7304% | 3,671 |
| Return on assets (ROA) | 0.7378% | 3,785 |
| Pretax return on assets | 0.9705% | 3,633 |
| Return on Equity (ROE) | 4.6944% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.6944% | 3,266 |
| Net charge-offs to loans | 0.2092% | 2,504 |
| Credit loss provision to net charge-offs | 51.3072% | 3,185 |
| Earnings coverage of net charge-offs (x) | 7.3529% | 2,557 |
| Efficiency ratio | 67.6552% | 4,240 |
| Assets per employee ($millions) | 4.5991% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 4,223 |
| Loan loss allowance to noncurrent loans | 121.5090% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 4,006 |
| Noncurrent loans to loans | 1.1177% | 3,694 |
| Net loans and leases to total assets | 66.3932% | 2,522 |
| Net loans and leases to deposits | 88.8914% | 1,240 |
| Net loans and leases to core deposits | 90.6883% | 1,844 |
| Total domestic deposits to total assets | 74.6902% | 6,384 |
| Equity capital to assets | 15.6708% | 587 |
| Core capital (leverage) ratio | 13.7602% | 894 |
| Tier 1 risk-based capital ratio | 21.8910% | 1,303 |
| Total risk-based capital ratio | 23.1440% | 1,282 |
| Memoranda: | ||
| Average total assets | $435,648,330 | 1,528 |
| Average earning assets | $400,173,000 | 1,523 |
| Average equity | $68,465,000 | 1,057 |
| Average total loans | $292,473,670 | 1,441 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 4,124 |
| Cost of funding earning assets | 1.0412% | 490 |
| Net interest margin | 2.9563% | 5,688 |
| Noninterest income to average assets | 0.6409% | 2,927 |
| Noninterest expense to average assets | 2.2721% | 5,495 |
| Loan and lease loss provision to assets | 0.1416% | 2,470 |
| Net operating income to assets | 0.7393% | 3,480 |
| Return on assets (ROA) | 0.7393% | 3,616 |
| Pretax return on assets | 0.9425% | 3,600 |
| Return on Equity (ROE) | 4.6974% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.6974% | 3,421 |
| Net charge-offs to loans | 0.3058% | 1,739 |
| Credit loss provision to net charge-offs | 69.0583% | 2,311 |
| Earnings coverage of net charge-offs (x) | 5.2870% | 2,381 |
| Efficiency ratio | 66.5479% | 4,568 |
| Assets per employee ($millions) | 4.7350% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 4,166 |
| Loan loss allowance to noncurrent loans | 148.3072% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 4,101 |
| Noncurrent loans to loans | 0.9537% | 4,231 |
| Net loans and leases to total assets | 65.1876% | 2,515 |
| Net loans and leases to deposits | 87.0847% | 1,235 |
| Net loans and leases to core deposits | 88.8256% | 1,825 |
| Total domestic deposits to total assets | 74.8553% | 6,469 |
| Equity capital to assets | 15.8010% | 589 |
| Core capital (leverage) ratio | 13.6304% | 894 |
| Tier 1 risk-based capital ratio | 21.9175% | 1,348 |
| Total risk-based capital ratio | 23.1756% | 1,318 |
| Memoranda: | ||
| Average total assets | $435,015,500 | 1,545 |
| Average earning assets | $399,557,000 | 1,529 |
| Average equity | $68,463,500 | 1,065 |
| Average total loans | $291,673,000 | 1,447 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 4,719 |
| Cost of funding earning assets | 1.1432% | 756 |
| Net interest margin | 3.0199% | 6,008 |
| Noninterest income to average assets | 0.5767% | 3,405 |
| Noninterest expense to average assets | 2.1799% | 5,967 |
| Loan and lease loss provision to assets | 0.2551% | 2,617 |
| Net operating income to assets | 0.6728% | 3,867 |
| Return on assets (ROA) | 0.6728% | 4,140 |
| Pretax return on assets | 0.9372% | 3,788 |
| Return on Equity (ROE) | 4.4690% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.4690% | 3,089 |
| Net charge-offs to loans | 0.4412% | 2,469 |
| Credit loss provision to net charge-offs | 86.0750% | 3,621 |
| Earnings coverage of net charge-offs (x) | 4.0230% | 3,510 |
| Efficiency ratio | 63.5129% | 4,979 |
| Assets per employee ($millions) | 4.5727% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 4,163 |
| Loan loss allowance to noncurrent loans | 103.9127% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0087% | 4,019 |
| Noncurrent loans to loans | 1.3502% | 3,579 |
| Net loans and leases to total assets | 67.0239% | 2,359 |
| Net loans and leases to deposits | 89.6276% | 1,111 |
| Net loans and leases to core deposits | 91.4872% | 1,675 |
| Total domestic deposits to total assets | 74.7804% | 6,465 |
| Equity capital to assets | 15.6751% | 608 |
| Core capital (leverage) ratio | 13.3066% | 1,014 |
| Tier 1 risk-based capital ratio | 20.3018% | 1,609 |
| Total risk-based capital ratio | 21.5583% | 1,573 |
| Memoranda: | ||
| Average total assets | $440,977,200 | 1,496 |
| Average earning assets | $408,230,600 | 1,479 |
| Average equity | $66,391,400 | 1,067 |
| Average total loans | $296,269,200 | 1,416 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 4,822 |
| Cost of funding earning assets | 1.1517% | 856 |
| Net interest margin | 3.0461% | 6,072 |
| Noninterest income to average assets | 0.5341% | 3,719 |
| Noninterest expense to average assets | 2.1881% | 5,979 |
| Loan and lease loss provision to assets | 0.2711% | 2,405 |
| Net operating income to assets | 0.6371% | 4,205 |
| Return on assets (ROA) | 0.6371% | 4,454 |
| Pretax return on assets | 0.8992% | 4,098 |
| Return on Equity (ROE) | 4.2748% | 5,163 |
| Retained earnings to average equity (ytd only) | 4.2748% | 3,887 |
| Net charge-offs to loans | 0.3377% | 2,771 |
| Credit loss provision to net charge-offs | 119.8402% | 2,418 |
| Earnings coverage of net charge-offs (x) | 5.1731% | 3,091 |
| Efficiency ratio | 64.0237% | 4,800 |
| Assets per employee ($millions) | 4.8134% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 3,918 |
| Loan loss allowance to noncurrent loans | 112.6952% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.0011% | 4,281 |
| Noncurrent loans to loans | 1.3390% | 3,792 |
| Net loans and leases to total assets | 65.9431% | 2,660 |
| Net loans and leases to deposits | 88.1678% | 1,328 |
| Net loans and leases to core deposits | 89.9483% | 1,986 |
| Total domestic deposits to total assets | 74.7928% | 6,538 |
| Equity capital to assets | 15.2127% | 769 |
| Core capital (leverage) ratio | 13.0220% | 1,186 |
| Tier 1 risk-based capital ratio | 20.3813% | 1,661 |
| Total risk-based capital ratio | 21.6410% | 1,631 |
| Memoranda: | ||
| Average total assets | $442,619,500 | 1,503 |
| Average earning assets | $410,388,000 | 1,486 |
| Average equity | $65,965,750 | 1,077 |
| Average total loans | $296,511,500 | 1,428 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 4,794 |
| Cost of funding earning assets | 1.1718% | 934 |
| Net interest margin | 3.0712% | 6,073 |
| Noninterest income to average assets | 0.5369% | 3,669 |
| Noninterest expense to average assets | 2.1787% | 6,061 |
| Loan and lease loss provision to assets | 0.2712% | 2,417 |
| Net operating income to assets | 0.6829% | 3,967 |
| Return on assets (ROA) | 0.6829% | 4,227 |
| Pretax return on assets | 0.9332% | 3,952 |
| Return on Equity (ROE) | 4.6138% | 4,990 |
| Retained earnings to average equity (ytd only) | 4.6138% | 3,543 |
| Net charge-offs to loans | 0.3966% | 2,435 |
| Credit loss provision to net charge-offs | 102.0408% | 2,667 |
| Earnings coverage of net charge-offs (x) | 4.5323% | 3,053 |
| Efficiency ratio | 63.2781% | 5,033 |
| Assets per employee ($millions) | 4.6056% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 4,207 |
| Loan loss allowance to noncurrent loans | 105.0884% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0601% | 4,260 |
| Noncurrent loans to loans | 1.3892% | 3,840 |
| Net loans and leases to total assets | 66.2124% | 2,629 |
| Net loans and leases to deposits | 89.5539% | 1,194 |
| Net loans and leases to core deposits | 91.3750% | 1,830 |
| Total domestic deposits to total assets | 73.9358% | 6,682 |
| Equity capital to assets | 15.0633% | 771 |
| Core capital (leverage) ratio | 12.7536% | 1,235 |
| Tier 1 risk-based capital ratio | 20.3283% | 1,632 |
| Total risk-based capital ratio | 21.5862% | 1,597 |
| Memoranda: | ||
| Average total assets | $442,548,330 | 1,504 |
| Average earning assets | $410,136,670 | 1,484 |
| Average equity | $65,498,670 | 1,075 |
| Average total loans | $296,518,000 | 1,434 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 4,810 |
| Cost of funding earning assets | 1.1804% | 1,064 |
| Net interest margin | 3.1003% | 6,039 |
| Noninterest income to average assets | 0.5249% | 3,745 |
| Noninterest expense to average assets | 2.1782% | 6,097 |
| Loan and lease loss provision to assets | 0.2710% | 2,291 |
| Net operating income to assets | 0.7038% | 3,868 |
| Return on assets (ROA) | 0.7038% | 4,085 |
| Pretax return on assets | 0.9468% | 3,880 |
| Return on Equity (ROE) | 4.7977% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.7977% | 3,674 |
| Net charge-offs to loans | 0.4821% | 1,885 |
| Credit loss provision to net charge-offs | 84.0336% | 2,662 |
| Earnings coverage of net charge-offs (x) | 3.7759% | 2,749 |
| Efficiency ratio | 63.0221% | 5,100 |
| Assets per employee ($millions) | 4.8250% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 4,444 |
| Loan loss allowance to noncurrent loans | 97.0883% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 4,195 |
| Noncurrent loans to loans | 1.4784% | 3,901 |
| Net loans and leases to total assets | 65.3123% | 2,595 |
| Net loans and leases to deposits | 88.4138% | 1,119 |
| Net loans and leases to core deposits | 90.1861% | 1,834 |
| Total domestic deposits to total assets | 73.8712% | 6,762 |
| Equity capital to assets | 14.5607% | 849 |
| Core capital (leverage) ratio | 12.7650% | 1,217 |
| Tier 1 risk-based capital ratio | 20.3898% | 1,619 |
| Total risk-based capital ratio | 21.6470% | 1,588 |
| Memoranda: | ||
| Average total assets | $442,755,000 | 1,505 |
| Average earning assets | $410,027,500 | 1,482 |
| Average equity | $64,948,000 | 1,081 |
| Average total loans | $296,234,500 | 1,434 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 4,892 |
| Cost of funding earning assets | 1.2750% | 1,593 |
| Net interest margin | 3.2709% | 5,898 |
| Noninterest income to average assets | 0.4611% | 4,133 |
| Noninterest expense to average assets | 2.1200% | 6,452 |
| Loan and lease loss provision to assets | 0.3622% | 2,834 |
| Net operating income to assets | 0.7012% | 3,482 |
| Return on assets (ROA) | 0.7060% | 3,643 |
| Pretax return on assets | 1.0055% | 3,227 |
| Return on Equity (ROE) | 4.9070% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.9070% | 2,712 |
| Net charge-offs to loans | 0.4864% | 3,049 |
| Credit loss provision to net charge-offs | 110.1399% | 3,037 |
| Earnings coverage of net charge-offs (x) | 4.1378% | 3,248 |
| Efficiency ratio | 59.7952% | 5,791 |
| Assets per employee ($millions) | 4.4119% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 4,168 |
| Loan loss allowance to noncurrent loans | 112.4253% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 1.1717% | 4,279 |
| Noncurrent loans to loans | 1.3035% | 4,200 |
| Net loans and leases to total assets | 66.5781% | 2,667 |
| Net loans and leases to deposits | 89.3467% | 1,215 |
| Net loans and leases to core deposits | 91.2744% | 1,960 |
| Total domestic deposits to total assets | 74.5166% | 6,670 |
| Equity capital to assets | 14.7803% | 830 |
| Core capital (leverage) ratio | 12.6161% | 1,300 |
| Tier 1 risk-based capital ratio | 20.5239% | 1,519 |
| Total risk-based capital ratio | 21.7812% | 1,483 |
| Memoranda: | ||
| Average total assets | $434,815,000 | 1,499 |
| Average earning assets | $401,419,800 | 1,483 |
| Average equity | $62,563,200 | 1,077 |
| Average total loans | $293,982,000 | 1,443 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 4,912 |
| Cost of funding earning assets | 1.2919% | 1,753 |
| Net interest margin | 3.2954% | 5,871 |
| Noninterest income to average assets | 0.4589% | 4,229 |
| Noninterest expense to average assets | 2.1074% | 6,489 |
| Loan and lease loss provision to assets | 0.3914% | 2,510 |
| Net operating income to assets | 0.7015% | 3,616 |
| Return on assets (ROA) | 0.7015% | 3,781 |
| Pretax return on assets | 1.0023% | 3,388 |
| Return on Equity (ROE) | 4.9087% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.9087% | 3,238 |
| Net charge-offs to loans | 0.4240% | 3,024 |
| Credit loss provision to net charge-offs | 136.5096% | 2,332 |
| Earnings coverage of net charge-offs (x) | 4.8608% | 2,936 |
| Efficiency ratio | 59.0881% | 5,854 |
| Assets per employee ($millions) | 4.5217% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 3,844 |
| Loan loss allowance to noncurrent loans | 97.7302% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 4,322 |
| Noncurrent loans to loans | 1.5966% | 3,901 |
| Net loans and leases to total assets | 65.7050% | 2,965 |
| Net loans and leases to deposits | 88.8215% | 1,341 |
| Net loans and leases to core deposits | 90.6774% | 2,165 |
| Total domestic deposits to total assets | 73.9742% | 6,764 |
| Equity capital to assets | 14.7576% | 915 |
| Core capital (leverage) ratio | 12.4498% | 1,460 |
| Tier 1 risk-based capital ratio | 20.4372% | 1,577 |
| Total risk-based capital ratio | 21.6967% | 1,550 |
| Memoranda: | ||
| Average total assets | $434,323,000 | 1,510 |
| Average earning assets | $400,952,250 | 1,504 |
| Average equity | $62,064,500 | 1,092 |
| Average total loans | $293,695,750 | 1,466 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6457% | 4,774 |
| Cost of funding earning assets | 1.3107% | 1,876 |
| Net interest margin | 3.3350% | 5,756 |
| Noninterest income to average assets | 0.4599% | 4,195 |
| Noninterest expense to average assets | 2.0994% | 6,593 |
| Loan and lease loss provision to assets | 0.3913% | 2,457 |
| Net operating income to assets | 0.7380% | 3,348 |
| Return on assets (ROA) | 0.7380% | 3,468 |
| Pretax return on assets | 1.0465% | 3,054 |
| Return on Equity (ROE) | 5.2216% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.2216% | 2,862 |
| Net charge-offs to loans | 0.3335% | 3,228 |
| Credit loss provision to net charge-offs | 172.7642% | 1,750 |
| Earnings coverage of net charge-offs (x) | 6.3476% | 2,416 |
| Efficiency ratio | 58.2585% | 6,131 |
| Assets per employee ($millions) | 4.5477% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 3,935 |
| Loan loss allowance to noncurrent loans | 142.5699% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 5,174 |
| Noncurrent loans to loans | 1.0811% | 4,859 |
| Net loans and leases to total assets | 66.3962% | 2,945 |
| Net loans and leases to deposits | 92.0693% | 1,054 |
| Net loans and leases to core deposits | 94.0209% | 1,891 |
| Total domestic deposits to total assets | 72.1155% | 6,995 |
| Equity capital to assets | 14.3869% | 975 |
| Core capital (leverage) ratio | 12.2836% | 1,461 |
| Tier 1 risk-based capital ratio | 20.1446% | 1,584 |
| Total risk-based capital ratio | 21.4014% | 1,558 |
| Memoranda: | ||
| Average total assets | $434,403,670 | 1,523 |
| Average earning assets | $400,840,670 | 1,512 |
| Average equity | $61,399,330 | 1,101 |
| Average total loans | $295,016,330 | 1,473 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6601% | 4,700 |
| Cost of funding earning assets | 1.3317% | 2,000 |
| Net interest margin | 3.3284% | 5,684 |
| Noninterest income to average assets | 0.4486% | 4,300 |
| Noninterest expense to average assets | 2.1010% | 6,631 |
| Loan and lease loss provision to assets | 0.3923% | 2,227 |
| Net operating income to assets | 0.7362% | 3,341 |
| Return on assets (ROA) | 0.7376% | 3,401 |
| Pretax return on assets | 1.0256% | 3,042 |
| Return on Equity (ROE) | 5.2658% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.2658% | 3,024 |
| Net charge-offs to loans | 0.0907% | 4,035 |
| Credit loss provision to net charge-offs | 634.3284% | 593 |
| Earnings coverage of net charge-offs (x) | 22.8955% | 1,038 |
| Efficiency ratio | 58.6089% | 6,187 |
| Assets per employee ($millions) | 4.8941% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 4,043 |
| Loan loss allowance to noncurrent loans | 157.6242% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 5,249 |
| Noncurrent loans to loans | 0.9720% | 5,100 |
| Net loans and leases to total assets | 66.9615% | 2,767 |
| Net loans and leases to deposits | 92.8128% | 947 |
| Net loans and leases to core deposits | 94.4569% | 1,837 |
| Total domestic deposits to total assets | 72.1468% | 7,073 |
| Equity capital to assets | 14.0335% | 1,004 |
| Core capital (leverage) ratio | 12.2396% | 1,436 |
| Tier 1 risk-based capital ratio | 19.7004% | 1,648 |
| Total risk-based capital ratio | 20.9564% | 1,620 |
| Memoranda: | ||
| Average total assets | $433,316,000 | 1,533 |
| Average earning assets | $399,476,500 | 1,520 |
| Average equity | $60,694,000 | 1,103 |
| Average total loans | $295,319,500 | 1,489 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 5,239 |
| Cost of funding earning assets | 1.5423% | 2,392 |
| Net interest margin | 3.3055% | 5,962 |
| Noninterest income to average assets | 0.4953% | 4,204 |
| Noninterest expense to average assets | 2.4782% | 5,867 |
| Loan and lease loss provision to assets | 0.3404% | 4,109 |
| Net operating income to assets | 0.5141% | 4,029 |
| Return on assets (ROA) | 0.5137% | 4,186 |
| Pretax return on assets | 0.7095% | 3,945 |
| Return on Equity (ROE) | 4.5094% | 4,294 |
| Retained earnings to average equity (ytd only) | 4.5094% | 2,716 |
| Net charge-offs to loans | 0.1317% | 5,587 |
| Credit loss provision to net charge-offs | 372.3404% | 681 |
| Earnings coverage of net charge-offs (x) | 11.4894% | 1,603 |
| Efficiency ratio | 69.0760% | 4,361 |
| Assets per employee ($millions) | 4.8434% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 4,424 |
| Loan loss allowance to noncurrent loans | 113.8965% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0695% | 4,866 |
| Noncurrent loans to loans | 1.2465% | 4,636 |
| Net loans and leases to total assets | 67.3353% | 3,143 |
| Net loans and leases to deposits | 92.9500% | 1,146 |
| Net loans and leases to core deposits | 94.7688% | 2,163 |
| Total domestic deposits to total assets | 72.4425% | 7,046 |
| Equity capital to assets | 13.9800% | 1,045 |
| Core capital (leverage) ratio | 11.8276% | 1,655 |
| Tier 1 risk-based capital ratio | 19.4049% | 1,619 |
| Total risk-based capital ratio | 20.6591% | 1,587 |
| Memoranda: | ||
| Average total assets | $411,304,200 | 1,607 |
| Average earning assets | $377,432,000 | 1,595 |
| Average equity | $46,857,800 | 1,427 |
| Average total loans | $285,402,000 | 1,573 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 5,374 |
| Cost of funding earning assets | 1.6052% | 2,362 |
| Net interest margin | 3.2719% | 6,108 |
| Noninterest income to average assets | 0.4833% | 4,312 |
| Noninterest expense to average assets | 2.1442% | 6,751 |
| Loan and lease loss provision to assets | 0.3445% | 3,856 |
| Net operating income to assets | 0.6872% | 3,480 |
| Return on assets (ROA) | 0.6867% | 3,638 |
| Pretax return on assets | 0.9935% | 3,207 |
| Return on Equity (ROE) | 6.4142% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.4142% | 2,129 |
| Net charge-offs to loans | 0.1022% | 5,507 |
| Credit loss provision to net charge-offs | 483.8710% | 611 |
| Earnings coverage of net charge-offs (x) | 18.8016% | 1,235 |
| Efficiency ratio | 60.3768% | 5,895 |
| Assets per employee ($millions) | 4.9383% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 4,610 |
| Loan loss allowance to noncurrent loans | 101.7083% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1059% | 4,904 |
| Noncurrent loans to loans | 1.3500% | 4,605 |
| Net loans and leases to total assets | 65.9338% | 3,704 |
| Net loans and leases to deposits | 90.5762% | 1,643 |
| Net loans and leases to core deposits | 92.4770% | 2,732 |
| Total domestic deposits to total assets | 72.7938% | 7,054 |
| Equity capital to assets | 10.3006% | 3,765 |
| Core capital (leverage) ratio | 8.4851% | 5,542 |
| Tier 1 risk-based capital ratio | 13.0839% | 4,515 |
| Total risk-based capital ratio | 14.3393% | 4,480 |
| Memoranda: | ||
| Average total assets | $406,365,500 | 1,653 |
| Average earning assets | $372,535,750 | 1,642 |
| Average equity | $43,506,750 | 1,535 |
| Average total loans | $283,143,750 | 1,597 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 4,936 |
| Cost of funding earning assets | 1.6994% | 2,120 |
| Net interest margin | 3.3018% | 6,014 |
| Noninterest income to average assets | 0.5537% | 3,682 |
| Noninterest expense to average assets | 2.2012% | 6,650 |
| Loan and lease loss provision to assets | 0.3275% | 3,777 |
| Net operating income to assets | 0.7092% | 3,364 |
| Return on assets (ROA) | 0.7119% | 3,507 |
| Pretax return on assets | 1.0500% | 2,932 |
| Return on Equity (ROE) | 6.5587% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.5587% | 2,048 |
| Net charge-offs to loans | 0.0306% | 5,911 |
| Credit loss provision to net charge-offs | 1,511.6279% | 261 |
| Earnings coverage of net charge-offs (x) | 63.3953% | 490 |
| Efficiency ratio | 60.3946% | 5,979 |
| Assets per employee ($millions) | 4.3927% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 4,772 |
| Loan loss allowance to noncurrent loans | 278.1227% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 5,939 |
| Noncurrent loans to loans | 0.4780% | 6,297 |
| Net loans and leases to total assets | 70.6387% | 2,760 |
| Net loans and leases to deposits | 89.3731% | 1,951 |
| Net loans and leases to core deposits | 91.4852% | 3,060 |
| Total domestic deposits to total assets | 79.0379% | 6,030 |
| Equity capital to assets | 11.1098% | 2,763 |
| Core capital (leverage) ratio | 8.5926% | 5,250 |
| Tier 1 risk-based capital ratio | 13.5947% | 4,006 |
| Total risk-based capital ratio | 14.8483% | 3,963 |
| Memoranda: | ||
| Average total assets | $396,965,330 | 1,697 |
| Average earning assets | $363,193,000 | 1,693 |
| Average equity | $43,088,000 | 1,541 |
| Average total loans | $280,686,670 | 1,629 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0101% | 4,974 |
| Cost of funding earning assets | 1.7810% | 1,964 |
| Net interest margin | 3.2291% | 6,199 |
| Noninterest income to average assets | 0.5118% | 3,956 |
| Noninterest expense to average assets | 2.1630% | 6,775 |
| Loan and lease loss provision to assets | 0.3017% | 3,624 |
| Net operating income to assets | 0.6793% | 3,525 |
| Return on assets (ROA) | 0.6848% | 3,619 |
| Pretax return on assets | 1.0106% | 3,052 |
| Return on Equity (ROE) | 6.3837% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.3837% | 2,424 |
| Net charge-offs to loans | 0.0072% | 5,498 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 259.4000% | 132 |
| Efficiency ratio | 61.1659% | 5,972 |
| Assets per employee ($millions) | 4.5283% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 5,335 |
| Loan loss allowance to noncurrent loans | 627.4545% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.4124% | 6,444 |
| Noncurrent loans to loans | 0.1960% | 6,951 |
| Net loans and leases to total assets | 68.7675% | 3,211 |
| Net loans and leases to deposits | 89.0301% | 2,060 |
| Net loans and leases to core deposits | 91.1488% | 3,215 |
| Total domestic deposits to total assets | 77.2407% | 6,506 |
| Equity capital to assets | 10.6726% | 3,065 |
| Core capital (leverage) ratio | 8.4396% | 5,483 |
| Tier 1 risk-based capital ratio | 13.2268% | 4,188 |
| Total risk-based capital ratio | 14.4798% | 4,137 |
| Memoranda: | ||
| Average total assets | $397,776,500 | 1,735 |
| Average earning assets | $364,063,000 | 1,726 |
| Average equity | $42,671,000 | 1,567 |
| Average total loans | $279,516,000 | 1,683 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 5,171 |
| Cost of funding earning assets | 2.2256% | 1,918 |
| Net interest margin | 3.0748% | 6,452 |
| Noninterest income to average assets | 0.5995% | 3,636 |
| Noninterest expense to average assets | 2.1773% | 7,041 |
| Loan and lease loss provision to assets | 0.2310% | 5,519 |
| Net operating income to assets | 0.6950% | 2,953 |
| Return on assets (ROA) | 0.6117% | 3,360 |
| Pretax return on assets | 0.8809% | 2,990 |
| Return on Equity (ROE) | 5.6736% | 3,345 |
| Retained earnings to average equity (ytd only) | 5.6736% | 1,485 |
| Net charge-offs to loans | 0.1801% | 5,518 |
| Credit loss provision to net charge-offs | 180.7054% | 2,297 |
| Earnings coverage of net charge-offs (x) | 9.6432% | 1,772 |
| Efficiency ratio | 62.5476% | 6,049 |
| Assets per employee ($millions) | 4.7293% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 5,731 |
| Loan loss allowance to noncurrent loans | 353.8117% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 6,178 |
| Noncurrent loans to loans | 0.3204% | 6,638 |
| Net loans and leases to total assets | 70.1287% | 3,228 |
| Net loans and leases to deposits | 92.3934% | 1,833 |
| Net loans and leases to core deposits | 102.6873% | 3,723 |
| Total domestic deposits to total assets | 75.9023% | 6,697 |
| Equity capital to assets | 10.7836% | 2,886 |
| Core capital (leverage) ratio | 8.3715% | 5,499 |
| Tier 1 risk-based capital ratio | 12.8457% | 4,249 |
| Total risk-based capital ratio | 14.0965% | 4,203 |
| Memoranda: | ||
| Average total assets | $377,117,400 | 1,813 |
| Average earning assets | $344,675,800 | 1,811 |
| Average equity | $40,661,800 | 1,647 |
| Average total loans | $267,595,400 | 1,792 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3341% | 5,252 |
| Cost of funding earning assets | 2.3157% | 1,925 |
| Net interest margin | 3.0184% | 6,555 |
| Noninterest income to average assets | 0.6022% | 3,682 |
| Noninterest expense to average assets | 2.2211% | 6,920 |
| Loan and lease loss provision to assets | 0.2650% | 4,842 |
| Net operating income to assets | 0.6383% | 3,459 |
| Return on assets (ROA) | 0.5194% | 3,996 |
| Pretax return on assets | 0.7119% | 3,813 |
| Return on Equity (ROE) | 4.8170% | 4,038 |
| Retained earnings to average equity (ytd only) | 4.8170% | 2,595 |
| Net charge-offs to loans | 0.2169% | 4,676 |
| Credit loss provision to net charge-offs | 172.1578% | 2,694 |
| Earnings coverage of net charge-offs (x) | 7.4037% | 2,411 |
| Efficiency ratio | 64.7465% | 5,604 |
| Assets per employee ($millions) | 4.2885% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 5,568 |
| Loan loss allowance to noncurrent loans | 233.0053% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 5,929 |
| Noncurrent loans to loans | 0.4824% | 6,352 |
| Net loans and leases to total assets | 70.9417% | 3,283 |
| Net loans and leases to deposits | 94.1337% | 1,863 |
| Net loans and leases to core deposits | 104.4779% | 3,879 |
| Total domestic deposits to total assets | 75.3627% | 6,702 |
| Equity capital to assets | 10.9089% | 3,104 |
| Core capital (leverage) ratio | 8.3167% | 5,807 |
| Tier 1 risk-based capital ratio | 12.8343% | 4,302 |
| Total risk-based capital ratio | 14.0898% | 4,238 |
| Memoranda: | ||
| Average total assets | $373,264,000 | 1,842 |
| Average earning assets | $341,140,500 | 1,846 |
| Average equity | $40,245,000 | 1,682 |
| Average total loans | $264,886,000 | 1,822 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3890% | 5,206 |
| Cost of funding earning assets | 2.4050% | 1,952 |
| Net interest margin | 2.9841% | 6,596 |
| Noninterest income to average assets | 0.6403% | 3,417 |
| Noninterest expense to average assets | 2.2777% | 6,824 |
| Loan and lease loss provision to assets | 0.1825% | 5,212 |
| Net operating income to assets | 0.6199% | 3,592 |
| Return on assets (ROA) | 0.6236% | 3,681 |
| Pretax return on assets | 0.9118% | 3,295 |
| Return on Equity (ROE) | 5.8068% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.8068% | 2,111 |
| Net charge-offs to loans | 0.3307% | 3,533 |
| Credit loss provision to net charge-offs | 78.0600% | 5,246 |
| Earnings coverage of net charge-offs (x) | 4.6582% | 3,042 |
| Efficiency ratio | 66.3085% | 5,497 |
| Assets per employee ($millions) | 4.4631% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 6,111 |
| Loan loss allowance to noncurrent loans | 286.3880% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 6,116 |
| Noncurrent loans to loans | 0.3545% | 6,623 |
| Net loans and leases to total assets | 67.8812% | 4,170 |
| Net loans and leases to deposits | 91.1682% | 2,618 |
| Net loans and leases to core deposits | 101.5845% | 4,331 |
| Total domestic deposits to total assets | 74.4570% | 6,874 |
| Equity capital to assets | 10.5662% | 3,321 |
| Core capital (leverage) ratio | 8.2540% | 5,880 |
| Tier 1 risk-based capital ratio | 13.1190% | 4,054 |
| Total risk-based capital ratio | 14.2728% | 4,052 |
| Memoranda: | ||
| Average total assets | $370,459,330 | 1,877 |
| Average earning assets | $338,465,000 | 1,874 |
| Average equity | $39,781,000 | 1,712 |
| Average total loans | $261,899,000 | 1,875 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5276% | 4,768 |
| Cost of funding earning assets | 2.4854% | 1,969 |
| Net interest margin | 3.0422% | 6,365 |
| Noninterest income to average assets | 0.6630% | 3,114 |
| Noninterest expense to average assets | 2.2310% | 6,754 |
| Loan and lease loss provision to assets | 0.2078% | 4,361 |
| Net operating income to assets | 0.6784% | 3,668 |
| Return on assets (ROA) | 0.6597% | 3,934 |
| Pretax return on assets | 0.9720% | 3,457 |
| Return on Equity (ROE) | 6.0924% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.0924% | 2,586 |
| Net charge-offs to loans | 0.5451% | 2,094 |
| Credit loss provision to net charge-offs | 53.0899% | 4,629 |
| Earnings coverage of net charge-offs (x) | 3.0843% | 3,286 |
| Efficiency ratio | 63.5433% | 5,773 |
| Assets per employee ($millions) | 4.3443% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 6,218 |
| Loan loss allowance to noncurrent loans | 152.3140% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 5,975 |
| Noncurrent loans to loans | 0.6534% | 5,775 |
| Net loans and leases to total assets | 69.2285% | 3,866 |
| Net loans and leases to deposits | 94.3343% | 2,215 |
| Net loans and leases to core deposits | 104.6155% | 4,068 |
| Total domestic deposits to total assets | 73.3863% | 6,984 |
| Equity capital to assets | 10.6143% | 3,358 |
| Core capital (leverage) ratio | 8.4839% | 5,574 |
| Tier 1 risk-based capital ratio | 13.1447% | 4,086 |
| Total risk-based capital ratio | 14.2921% | 4,077 |
| Memoranda: | ||
| Average total assets | $363,775,000 | 1,910 |
| Average earning assets | $331,862,500 | 1,907 |
| Average equity | $39,393,500 | 1,724 |
| Average total loans | $261,239,000 | 1,897 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9087% | 5,999 |
| Cost of funding earning assets | 2.7959% | 2,724 |
| Net interest margin | 3.1128% | 6,614 |
| Noninterest income to average assets | 0.6919% | 3,173 |
| Noninterest expense to average assets | 2.4590% | 6,172 |
| Loan and lease loss provision to assets | 0.1940% | 4,938 |
| Net operating income to assets | 0.7802% | 3,522 |
| Return on assets (ROA) | 0.4003% | 4,962 |
| Pretax return on assets | 0.4475% | 5,125 |
| Return on Equity (ROE) | 3.5769% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.5769% | 2,918 |
| Net charge-offs to loans | 0.1006% | 5,308 |
| Credit loss provision to net charge-offs | 259.2308% | 1,786 |
| Earnings coverage of net charge-offs (x) | 14.2769% | 2,049 |
| Efficiency ratio | 68.3420% | 4,664 |
| Assets per employee ($millions) | 4.0221% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,552 |
| Loan loss allowance to noncurrent loans | 107.3729% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 4,976 |
| Noncurrent loans to loans | 0.9865% | 4,619 |
| Net loans and leases to total assets | 73.0254% | 3,352 |
| Net loans and leases to deposits | 100.6864% | 1,757 |
| Net loans and leases to core deposits | 111.1820% | 3,656 |
| Total domestic deposits to total assets | 72.5276% | 6,910 |
| Equity capital to assets | 11.0558% | 2,995 |
| Core capital (leverage) ratio | 8.6504% | 5,284 |
| Tier 1 risk-based capital ratio | 13.2859% | 3,940 |
| Total risk-based capital ratio | 14.5361% | 3,853 |
| Memoranda: | ||
| Average total assets | $347,464,800 | 1,915 |
| Average earning assets | $316,500,800 | 1,926 |
| Average equity | $38,888,600 | 1,736 |
| Average total loans | $258,511,600 | 1,846 |