Home > Alliance Bank > Performance and Condition Ratios
Alliance Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 3,462 |
| Cost of funding earning assets | 1.8519% | 2,590 |
| Net interest margin | 2.9247% | 3,282 |
| Noninterest income to average assets | 0.9900% | 630 |
| Noninterest expense to average assets | 2.7836% | 1,537 |
| Loan and lease loss provision to assets | 0.3000% | 406 |
| Net operating income to assets | 0.6149% | 3,200 |
| Return on assets (ROA) | 0.6149% | 3,217 |
| Pretax return on assets | 0.6149% | 3,434 |
| Return on Equity (ROE) | 8.3400% | 2,647 |
| Retained earnings to average equity (ytd only) | 3.0034% | 3,036 |
| Net charge-offs to loans | 0.3541% | 415 |
| Credit loss provision to net charge-offs | 141.0899% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.1889% | 2,680 |
| Efficiency ratio | 74.6337% | 1,482 |
| Assets per employee ($millions) | 5.7238% | 3,101 |
| Cash dividends to net income (ytd only)* | 63.9766% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,020 |
| Loan loss allowance to noncurrent loans | 114.9708% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 1,304 |
| Noncurrent loans to loans | 0.9010% | 1,106 |
| Net loans and leases to total assets | 60.3700% | 2,898 |
| Net loans and leases to deposits | 68.5440% | 3,047 |
| Net loans and leases to core deposits | 73.4730% | 3,183 |
| Total domestic deposits to total assets | 88.0700% | 1,495 |
| Equity capital to assets | 7.6701% | 3,686 |
| Core capital (leverage) ratio | 10.0005% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7767% | 1,324 |
| Memoranda: | ||
| Average total assets | $1,364,234,600 | 789 |
| Average earning assets | $1,265,533,800 | 782 |
| Average equity | $100,618,600 | 1,013 |
| Average total loans | $844,621,600 | 861 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 3,568 |
| Cost of funding earning assets | 1.8493% | 2,599 |
| Net interest margin | 2.8397% | 3,384 |
| Noninterest income to average assets | 0.9800% | 619 |
| Noninterest expense to average assets | 2.7648% | 1,531 |
| Loan and lease loss provision to assets | 0.3400% | 301 |
| Net operating income to assets | 0.5161% | 3,422 |
| Return on assets (ROA) | 0.5161% | 3,450 |
| Pretax return on assets | 0.5161% | 3,623 |
| Return on Equity (ROE) | 7.0700% | 3,019 |
| Retained earnings to average equity (ytd only) | 2.9519% | 3,195 |
| Net charge-offs to loans | 0.4368% | 303 |
| Credit loss provision to net charge-offs | 128.4946% | 1,428 |
| Earnings coverage of net charge-offs (x) | 3.1505% | 2,541 |
| Efficiency ratio | 75.8063% | 1,416 |
| Assets per employee ($millions) | 5.9176% | 2,934 |
| Cash dividends to net income (ytd only)* | 58.2281% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,419 |
| Loan loss allowance to noncurrent loans | 151.8056% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 1,688 |
| Noncurrent loans to loans | 0.6345% | 1,524 |
| Net loans and leases to total assets | 60.1300% | 2,914 |
| Net loans and leases to deposits | 68.7287% | 3,074 |
| Net loans and leases to core deposits | 74.2034% | 3,173 |
| Total domestic deposits to total assets | 87.5000% | 1,424 |
| Equity capital to assets | 8.3516% | 3,493 |
| Core capital (leverage) ratio | 9.9049% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3474% | 1,449 |
| Memoranda: | ||
| Average total assets | $1,370,449,500 | 781 |
| Average earning assets | $1,272,062,750 | 774 |
| Average equity | $100,090,250 | 1,010 |
| Average total loans | $851,532,750 | 856 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 3,655 |
| Cost of funding earning assets | 1.8297% | 2,557 |
| Net interest margin | 2.7556% | 3,496 |
| Noninterest income to average assets | 1.0300% | 564 |
| Noninterest expense to average assets | 2.7733% | 1,522 |
| Loan and lease loss provision to assets | 0.4200% | 220 |
| Net operating income to assets | 0.3918% | 3,678 |
| Return on assets (ROA) | 0.3918% | 3,716 |
| Pretax return on assets | 0.3918% | 3,815 |
| Return on Equity (ROE) | 5.6300% | 3,376 |
| Retained earnings to average equity (ytd only) | 1.7830% | 3,410 |
| Net charge-offs to loans | 0.6444% | 195 |
| Credit loss provision to net charge-offs | 104.4155% | 1,454 |
| Earnings coverage of net charge-offs (x) | 2.0152% | 2,427 |
| Efficiency ratio | 76.7549% | 1,393 |
| Assets per employee ($millions) | 5.8374% | 2,935 |
| Cash dividends to net income (ytd only)* | 68.3563% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 3,765 |
| Loan loss allowance to noncurrent loans | 135.4833% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 1,594 |
| Noncurrent loans to loans | 0.6461% | 1,430 |
| Net loans and leases to total assets | 61.5500% | 2,808 |
| Net loans and leases to deposits | 70.8639% | 2,923 |
| Net loans and leases to core deposits | 74.0676% | 3,151 |
| Total domestic deposits to total assets | 86.8600% | 1,700 |
| Equity capital to assets | 7.1710% | 3,875 |
| Core capital (leverage) ratio | 9.8535% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7221% | 1,614 |
| Memoranda: | ||
| Average total assets | $1,369,642,000 | 790 |
| Average earning assets | $1,272,101,667 | 774 |
| Average equity | $95,234,667 | 1,041 |
| Average total loans | $857,512,000 | 853 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 3,850 |
| Cost of funding earning assets | 1.8522% | 2,359 |
| Net interest margin | 2.5387% | 3,817 |
| Noninterest income to average assets | 0.9300% | 633 |
| Noninterest expense to average assets | 2.7983% | 1,469 |
| Loan and lease loss provision to assets | 0.4400% | 186 |
| Net operating income to assets | 0.0514% | 4,171 |
| Return on assets (ROA) | 0.0514% | 4,210 |
| Pretax return on assets | 0.0514% | 4,201 |
| Return on Equity (ROE) | 0.7500% | 4,173 |
| Retained earnings to average equity (ytd only) | -2.1908% | 3,944 |
| Net charge-offs to loans | 0.0274% | 1,310 |
| Credit loss provision to net charge-offs | 2,542.3729% | 166 |
| Earnings coverage of net charge-offs (x) | 28.4068% | 1,187 |
| Efficiency ratio | 84.4711% | 873 |
| Assets per employee ($millions) | 5.7321% | 3,048 |
| Cash dividends to net income (ytd only)* | 391.4773% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 3,245 |
| Loan loss allowance to noncurrent loans | 107.5769% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 1,092 |
| Noncurrent loans to loans | 0.9387% | 927 |
| Net loans and leases to total assets | 61.8100% | 2,688 |
| Net loans and leases to deposits | 70.6541% | 2,837 |
| Net loans and leases to core deposits | 72.7726% | 3,172 |
| Total domestic deposits to total assets | 87.4900% | 1,605 |
| Equity capital to assets | 6.7229% | 4,011 |
| Core capital (leverage) ratio | 9.6719% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5299% | 1,690 |
| Memoranda: | ||
| Average total assets | $1,368,567,500 | 795 |
| Average earning assets | $1,270,904,000 | 783 |
| Average equity | $93,666,500 | 1,052 |
| Average total loans | $860,340,500 | 853 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3932% | 3,287 |
| Cost of funding earning assets | 1.4627% | 2,041 |
| Net interest margin | 2.9305% | 3,426 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 2.7696% | 1,579 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.6161% | 3,402 |
| Return on assets (ROA) | 0.6195% | 3,375 |
| Pretax return on assets | 0.6195% | 3,601 |
| Return on Equity (ROE) | 9.4500% | 2,646 |
| Retained earnings to average equity (ytd only) | 4.1461% | 2,904 |
| Net charge-offs to loans | 0.6519% | 151 |
| Credit loss provision to net charge-offs | 68.3453% | 2,100 |
| Earnings coverage of net charge-offs (x) | 2.2535% | 2,706 |
| Efficiency ratio | 75.2384% | 1,328 |
| Assets per employee ($millions) | 5.6963% | 3,076 |
| Cash dividends to net income (ytd only)* | 56.1098% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 3,728 |
| Loan loss allowance to noncurrent loans | 484.2436% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 2,751 |
| Noncurrent loans to loans | 0.1849% | 2,589 |
| Net loans and leases to total assets | 62.7200% | 2,602 |
| Net loans and leases to deposits | 70.3714% | 2,862 |
| Net loans and leases to core deposits | 72.3384% | 3,167 |
| Total domestic deposits to total assets | 89.1300% | 1,024 |
| Equity capital to assets | 6.9667% | 3,954 |
| Core capital (leverage) ratio | 9.6266% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3862% | 1,724 |
| Memoranda: | ||
| Average total assets | $1,346,116,200 | 774 |
| Average earning assets | $1,247,070,800 | 769 |
| Average equity | $88,274,800 | 1,052 |
| Average total loans | $810,224,200 | 858 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 3,348 |
| Cost of funding earning assets | 1.3731% | 1,941 |
| Net interest margin | 2.8939% | 3,560 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.7496% | 1,543 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.6613% | 3,406 |
| Return on assets (ROA) | 0.6659% | 3,385 |
| Pretax return on assets | 0.6659% | 3,613 |
| Return on Equity (ROE) | 10.3200% | 2,552 |
| Retained earnings to average equity (ytd only) | 5.2066% | 2,869 |
| Net charge-offs to loans | 0.8745% | 106 |
| Credit loss provision to net charge-offs | 37.8585% | 1,940 |
| Earnings coverage of net charge-offs (x) | 1.6516% | 2,522 |
| Efficiency ratio | 75.6491% | 1,206 |
| Assets per employee ($millions) | 5.7279% | 2,989 |
| Cash dividends to net income (ytd only)* | 49.5376% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 4,093 |
| Loan loss allowance to noncurrent loans | 379.9381% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 2,765 |
| Noncurrent loans to loans | 0.1930% | 2,587 |
| Net loans and leases to total assets | 61.7000% | 2,680 |
| Net loans and leases to deposits | 71.3679% | 2,752 |
| Net loans and leases to core deposits | 73.2769% | 3,038 |
| Total domestic deposits to total assets | 86.4500% | 2,057 |
| Equity capital to assets | 5.9535% | 4,005 |
| Core capital (leverage) ratio | 9.6781% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5042% | 1,715 |
| Memoranda: | ||
| Average total assets | $1,342,288,500 | 780 |
| Average earning assets | $1,242,210,500 | 774 |
| Average equity | $86,632,000 | 1,063 |
| Average total loans | $797,374,000 | 867 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 3,409 |
| Cost of funding earning assets | 1.2244% | 1,918 |
| Net interest margin | 2.9181% | 3,614 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 2.7251% | 1,587 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.8291% | 2,987 |
| Return on assets (ROA) | 0.8359% | 2,983 |
| Pretax return on assets | 0.8359% | 3,313 |
| Return on Equity (ROE) | 12.6200% | 1,982 |
| Retained earnings to average equity (ytd only) | 8.6061% | 1,790 |
| Net charge-offs to loans | 0.0309% | 1,274 |
| Credit loss provision to net charge-offs | 396.6942% | 738 |
| Earnings coverage of net charge-offs (x) | 49.9091% | 1,288 |
| Efficiency ratio | 74.6041% | 1,294 |
| Assets per employee ($millions) | 5.4924% | 3,160 |
| Cash dividends to net income (ytd only)* | 31.8287% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,439 |
| Loan loss allowance to noncurrent loans | 647.1448% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 2,742 |
| Noncurrent loans to loans | 0.1855% | 2,546 |
| Net loans and leases to total assets | 60.1100% | 2,763 |
| Net loans and leases to deposits | 72.3028% | 2,626 |
| Net loans and leases to core deposits | 74.0254% | 2,881 |
| Total domestic deposits to total assets | 83.1300% | 3,015 |
| Equity capital to assets | 6.7304% | 3,904 |
| Core capital (leverage) ratio | 9.9151% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3467% | 1,477 |
| Memoranda: | ||
| Average total assets | $1,341,034,000 | 768 |
| Average earning assets | $1,239,837,000 | 762 |
| Average equity | $88,797,000 | 1,030 |
| Average total loans | $784,287,667 | 862 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 3,364 |
| Cost of funding earning assets | 1.0971% | 1,758 |
| Net interest margin | 2.9496% | 3,698 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 2.6374% | 1,852 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9335% | 2,743 |
| Return on assets (ROA) | 0.9472% | 2,658 |
| Pretax return on assets | 0.9472% | 3,133 |
| Return on Equity (ROE) | 14.4200% | 1,689 |
| Retained earnings to average equity (ytd only) | 14.2635% | 905 |
| Net charge-offs to loans | 0.0187% | 1,303 |
| Credit loss provision to net charge-offs | 666.6667% | 473 |
| Earnings coverage of net charge-offs (x) | 93.8056% | 818 |
| Efficiency ratio | 71.8791% | 1,543 |
| Assets per employee ($millions) | 5.5882% | 3,128 |
| Cash dividends to net income (ytd only)* | 1.0996% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,364 |
| Loan loss allowance to noncurrent loans | 628.4404% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 2,710 |
| Noncurrent loans to loans | 0.1965% | 2,494 |
| Net loans and leases to total assets | 58.1600% | 2,858 |
| Net loans and leases to deposits | 66.5363% | 2,895 |
| Net loans and leases to core deposits | 67.5873% | 3,126 |
| Total domestic deposits to total assets | 87.4000% | 2,133 |
| Equity capital to assets | 7.0446% | 3,809 |
| Core capital (leverage) ratio | 9.6894% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6519% | 1,451 |
| Memoranda: | ||
| Average total assets | $1,344,224,500 | 778 |
| Average earning assets | $1,243,298,000 | 774 |
| Average equity | $88,281,500 | 1,051 |
| Average total loans | $770,450,500 | 886 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 2,994 |
| Cost of funding earning assets | 0.4493% | 1,728 |
| Net interest margin | 3.0834% | 3,216 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.5665% | 1,919 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1313% | 2,047 |
| Return on assets (ROA) | 1.1333% | 1,984 |
| Pretax return on assets | 1.1333% | 2,661 |
| Return on Equity (ROE) | 16.7400% | 907 |
| Retained earnings to average equity (ytd only) | 10.9009% | 908 |
| Net charge-offs to loans | 0.0355% | 1,373 |
| Credit loss provision to net charge-offs | 289.1566% | 927 |
| Earnings coverage of net charge-offs (x) | 63.9880% | 1,206 |
| Efficiency ratio | 67.9968% | 1,967 |
| Assets per employee ($millions) | 5.9036% | 2,846 |
| Cash dividends to net income (ytd only)* | 34.8753% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,254 |
| Loan loss allowance to noncurrent loans | 602.1167% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 2,728 |
| Noncurrent loans to loans | 0.2040% | 2,473 |
| Net loans and leases to total assets | 55.1200% | 3,110 |
| Net loans and leases to deposits | 64.2644% | 3,019 |
| Net loans and leases to core deposits | 65.1082% | 3,191 |
| Total domestic deposits to total assets | 85.7700% | 2,788 |
| Equity capital to assets | 6.1080% | 4,050 |
| Core capital (leverage) ratio | 9.2156% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2398% | 1,553 |
| Memoranda: | ||
| Average total assets | $1,344,732,600 | 762 |
| Average earning assets | $1,248,260,800 | 761 |
| Average equity | $91,047,400 | 1,023 |
| Average total loans | $702,334,800 | 905 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4316% | 2,830 |
| Cost of funding earning assets | 0.3244% | 1,924 |
| Net interest margin | 3.1072% | 2,912 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.5617% | 1,822 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1636% | 1,842 |
| Return on assets (ROA) | 1.1636% | 1,817 |
| Pretax return on assets | 1.1636% | 2,510 |
| Return on Equity (ROE) | 16.7700% | 839 |
| Retained earnings to average equity (ytd only) | 13.4284% | 554 |
| Net charge-offs to loans | 0.0373% | 1,129 |
| Credit loss provision to net charge-offs | 281.2500% | 842 |
| Earnings coverage of net charge-offs (x) | 63.6510% | 1,143 |
| Efficiency ratio | 67.3704% | 2,108 |
| Assets per employee ($millions) | 5.7774% | 2,952 |
| Cash dividends to net income (ytd only)* | 19.9041% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,151 |
| Loan loss allowance to noncurrent loans | 577.1340% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 2,765 |
| Noncurrent loans to loans | 0.2208% | 2,506 |
| Net loans and leases to total assets | 53.5400% | 3,142 |
| Net loans and leases to deposits | 60.2974% | 3,172 |
| Net loans and leases to core deposits | 61.0826% | 3,297 |
| Total domestic deposits to total assets | 88.8000% | 2,163 |
| Equity capital to assets | 5.2284% | 4,221 |
| Core capital (leverage) ratio | 8.4282% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2844% | 1,945 |
| Memoranda: | ||
| Average total assets | $1,338,509,750 | 773 |
| Average earning assets | $1,243,782,500 | 771 |
| Average equity | $92,895,000 | 1,015 |
| Average total loans | $686,832,250 | 919 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3124% | 2,698 |
| Cost of funding earning assets | 0.2275% | 2,539 |
| Net interest margin | 3.0849% | 2,581 |
| Noninterest income to average assets | 0.9065% | 831 |
| Noninterest expense to average assets | 2.5646% | 1,742 |
| Loan and lease loss provision to assets | 0.0538% | 1,616 |
| Net operating income to assets | 1.1564% | 1,582 |
| Return on assets (ROA) | 1.1564% | 1,564 |
| Pretax return on assets | 1.1564% | 2,222 |
| Return on Equity (ROE) | 15.3950% | 818 |
| Retained earnings to average equity (ytd only) | 13.0189% | 465 |
| Net charge-offs to loans | 0.0255% | 1,211 |
| Credit loss provision to net charge-offs | 418.6047% | 686 |
| Earnings coverage of net charge-offs (x) | 94.1395% | 849 |
| Efficiency ratio | 67.5234% | 2,309 |
| Assets per employee ($millions) | 5.8024% | 2,916 |
| Cash dividends to net income (ytd only)* | 15.4343% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,156 |
| Loan loss allowance to noncurrent loans | 565.1907% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 2,858 |
| Noncurrent loans to loans | 0.2314% | 2,562 |
| Net loans and leases to total assets | 51.7430% | 3,186 |
| Net loans and leases to deposits | 57.7336% | 3,248 |
| Net loans and leases to core deposits | 58.5313% | 3,390 |
| Total domestic deposits to total assets | 89.6236% | 1,888 |
| Equity capital to assets | 5.5719% | 4,339 |
| Core capital (leverage) ratio | 8.4090% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9082% | 2,097 |
| Memoranda: | ||
| Average total assets | $1,337,894,667 | 768 |
| Average earning assets | $1,243,981,000 | 772 |
| Average equity | $100,500,333 | 966 |
| Average total loans | $673,474,000 | 924 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2738% | 2,464 |
| Cost of funding earning assets | 0.1998% | 2,807 |
| Net interest margin | 3.0741% | 2,254 |
| Noninterest income to average assets | 0.9007% | 838 |
| Noninterest expense to average assets | 2.5945% | 1,624 |
| Loan and lease loss provision to assets | 0.0539% | 1,417 |
| Net operating income to assets | 1.1168% | 1,487 |
| Return on assets (ROA) | 1.1168% | 1,479 |
| Pretax return on assets | 1.1168% | 2,086 |
| Return on Equity (ROE) | 13.1630% | 1,001 |
| Retained earnings to average equity (ytd only) | 13.1630% | 451 |
| Net charge-offs to loans | 0.0212% | 1,117 |
| Credit loss provision to net charge-offs | 514.2857% | 506 |
| Earnings coverage of net charge-offs (x) | 111.7714% | 638 |
| Efficiency ratio | 68.4867% | 2,447 |
| Assets per employee ($millions) | 5.9250% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 2,077 |
| Loan loss allowance to noncurrent loans | 546.0518% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 2,941 |
| Noncurrent loans to loans | 0.2488% | 2,599 |
| Net loans and leases to total assets | 49.3425% | 3,239 |
| Net loans and leases to deposits | 55.3581% | 3,314 |
| Net loans and leases to core deposits | 56.1470% | 3,436 |
| Total domestic deposits to total assets | 89.1333% | 2,011 |
| Equity capital to assets | 7.5657% | 3,883 |
| Core capital (leverage) ratio | 8.4479% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0988% | 2,164 |
| Memoranda: | ||
| Average total assets | $1,336,665,000 | 772 |
| Average earning assets | $1,245,521,500 | 780 |
| Average equity | $113,409,000 | 902 |
| Average total loans | $658,846,500 | 933 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8846% | 4,083 |
| Cost of funding earning assets | 0.2520% | 2,906 |
| Net interest margin | 2.6327% | 3,992 |
| Noninterest income to average assets | 1.1499% | 800 |
| Noninterest expense to average assets | 2.4908% | 2,207 |
| Loan and lease loss provision to assets | 0.0959% | 1,301 |
| Net operating income to assets | 1.0024% | 2,658 |
| Return on assets (ROA) | 1.0026% | 2,725 |
| Pretax return on assets | 1.0026% | 3,252 |
| Return on Equity (ROE) | 10.1556% | 2,474 |
| Retained earnings to average equity (ytd only) | 6.6218% | 2,066 |
| Net charge-offs to loans | 0.0150% | 2,013 |
| Credit loss provision to net charge-offs | 1,355.5556% | 419 |
| Earnings coverage of net charge-offs (x) | 155.3000% | 639 |
| Efficiency ratio | 68.9384% | 1,865 |
| Assets per employee ($millions) | 6.2626% | 2,517 |
| Cash dividends to net income (ytd only)* | 34.7962% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 2,048 |
| Loan loss allowance to noncurrent loans | 526.8913% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 3,053 |
| Noncurrent loans to loans | 0.2600% | 2,679 |
| Net loans and leases to total assets | 47.8973% | 3,506 |
| Net loans and leases to deposits | 54.8178% | 3,530 |
| Net loans and leases to core deposits | 55.6873% | 3,644 |
| Total domestic deposits to total assets | 87.3754% | 2,352 |
| Equity capital to assets | 9.3984% | 3,225 |
| Core capital (leverage) ratio | 8.2328% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2985% | 2,126 |
| Memoranda: | ||
| Average total assets | $1,272,664,800 | 782 |
| Average earning assets | $1,179,140,400 | 791 |
| Average equity | $125,644,800 | 826 |
| Average total loans | $600,744,200 | 1,014 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8746% | 4,206 |
| Cost of funding earning assets | 0.2700% | 2,899 |
| Net interest margin | 2.6046% | 4,125 |
| Noninterest income to average assets | 1.1841% | 815 |
| Noninterest expense to average assets | 2.4819% | 2,176 |
| Loan and lease loss provision to assets | 0.1104% | 1,097 |
| Net operating income to assets | 0.9980% | 2,917 |
| Return on assets (ROA) | 0.9983% | 2,980 |
| Pretax return on assets | 0.9983% | 3,461 |
| Return on Equity (ROE) | 9.9844% | 2,739 |
| Retained earnings to average equity (ytd only) | 7.4285% | 2,262 |
| Net charge-offs to loans | 0.0052% | 2,143 |
| Credit loss provision to net charge-offs | 4,521.7391% | 183 |
| Earnings coverage of net charge-offs (x) | 453.9130% | 323 |
| Efficiency ratio | 68.6598% | 1,740 |
| Assets per employee ($millions) | 6.0906% | 2,597 |
| Cash dividends to net income (ytd only)* | 25.5982% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 1,961 |
| Loan loss allowance to noncurrent loans | 510.3188% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 3,238 |
| Noncurrent loans to loans | 0.2774% | 2,808 |
| Net loans and leases to total assets | 46.6005% | 3,748 |
| Net loans and leases to deposits | 53.6724% | 3,769 |
| Net loans and leases to core deposits | 54.7223% | 3,866 |
| Total domestic deposits to total assets | 86.8239% | 2,422 |
| Equity capital to assets | 9.9031% | 2,998 |
| Core capital (leverage) ratio | 8.2952% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7069% | 2,088 |
| Memoranda: | ||
| Average total assets | $1,255,781,000 | 801 |
| Average earning assets | $1,160,121,250 | 807 |
| Average equity | $125,566,500 | 838 |
| Average total loans | $588,221,750 | 1,047 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8807% | 4,248 |
| Cost of funding earning assets | 0.2871% | 2,899 |
| Net interest margin | 2.5937% | 4,179 |
| Noninterest income to average assets | 1.3082% | 676 |
| Noninterest expense to average assets | 2.5108% | 2,108 |
| Loan and lease loss provision to assets | 0.1392% | 870 |
| Net operating income to assets | 1.0490% | 2,727 |
| Return on assets (ROA) | 1.0495% | 2,801 |
| Pretax return on assets | 1.0495% | 3,336 |
| Return on Equity (ROE) | 10.4601% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.3600% | 1,957 |
| Net charge-offs to loans | -0.0017% | 3,169 |
| Credit loss provision to net charge-offs | -17,200.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4192% | 1,946 |
| Assets per employee ($millions) | 6.1033% | 2,521 |
| Cash dividends to net income (ytd only)* | 20.0771% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 1,751 |
| Loan loss allowance to noncurrent loans | 411.1692% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 3,175 |
| Noncurrent loans to loans | 0.3537% | 2,635 |
| Net loans and leases to total assets | 45.3067% | 3,954 |
| Net loans and leases to deposits | 52.0749% | 3,988 |
| Net loans and leases to core deposits | 53.1861% | 4,069 |
| Total domestic deposits to total assets | 87.0029% | 2,315 |
| Equity capital to assets | 9.7777% | 3,075 |
| Core capital (leverage) ratio | 8.2904% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1821% | 1,909 |
| Memoranda: | ||
| Average total assets | $1,235,851,333 | 805 |
| Average earning assets | $1,139,149,667 | 816 |
| Average equity | $123,994,667 | 847 |
| Average total loans | $577,007,333 | 1,072 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8896% | 4,272 |
| Cost of funding earning assets | 0.3042% | 2,947 |
| Net interest margin | 2.5855% | 4,175 |
| Noninterest income to average assets | 1.3805% | 688 |
| Noninterest expense to average assets | 2.5598% | 1,991 |
| Loan and lease loss provision to assets | 0.2254% | 507 |
| Net operating income to assets | 0.9592% | 2,935 |
| Return on assets (ROA) | 0.9599% | 3,028 |
| Pretax return on assets | 0.9599% | 3,476 |
| Return on Equity (ROE) | 9.4382% | 2,870 |
| Retained earnings to average equity (ytd only) | 9.4382% | 1,816 |
| Net charge-offs to loans | -0.0106% | 3,689 |
| Credit loss provision to net charge-offs | -4,533.3333% | 3,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8941% | 1,945 |
| Assets per employee ($millions) | 6.0293% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,793 |
| Loan loss allowance to noncurrent loans | 390.8295% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 3,284 |
| Noncurrent loans to loans | 0.3694% | 2,765 |
| Net loans and leases to total assets | 46.1608% | 3,947 |
| Net loans and leases to deposits | 52.9756% | 4,006 |
| Net loans and leases to core deposits | 54.1692% | 4,087 |
| Total domestic deposits to total assets | 87.1360% | 2,262 |
| Equity capital to assets | 9.6810% | 3,027 |
| Core capital (leverage) ratio | 8.6122% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7572% | 1,983 |
| Memoranda: | ||
| Average total assets | $1,206,828,500 | 817 |
| Average earning assets | $1,103,396,000 | 826 |
| Average equity | $122,735,500 | 849 |
| Average total loans | $568,074,500 | 1,088 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 4,015 |
| Cost of funding earning assets | 0.4070% | 3,534 |
| Net interest margin | 3.1014% | 3,622 |
| Noninterest income to average assets | 1.2593% | 713 |
| Noninterest expense to average assets | 2.9439% | 1,561 |
| Loan and lease loss provision to assets | 0.2444% | 1,587 |
| Net operating income to assets | 0.9018% | 2,690 |
| Return on assets (ROA) | 1.0622% | 2,196 |
| Pretax return on assets | 1.0622% | 2,835 |
| Return on Equity (ROE) | 9.4084% | 2,236 |
| Retained earnings to average equity (ytd only) | 6.2437% | 1,684 |
| Net charge-offs to loans | 0.1108% | 1,364 |
| Credit loss provision to net charge-offs | 426.6556% | 1,375 |
| Earnings coverage of net charge-offs (x) | 20.0116% | 1,953 |
| Efficiency ratio | 71.4882% | 1,748 |
| Assets per employee ($millions) | 5.2708% | 3,078 |
| Cash dividends to net income (ytd only)* | 33.6369% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,894 |
| Loan loss allowance to noncurrent loans | 253.7810% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 2,843 |
| Noncurrent loans to loans | 0.5591% | 2,303 |
| Net loans and leases to total assets | 46.6539% | 4,079 |
| Net loans and leases to deposits | 54.3462% | 4,095 |
| Net loans and leases to core deposits | 55.7841% | 4,162 |
| Total domestic deposits to total assets | 85.8457% | 2,431 |
| Equity capital to assets | 10.6991% | 2,527 |
| Core capital (leverage) ratio | 8.9563% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4361% | 1,702 |
| Memoranda: | ||
| Average total assets | $1,054,595,600 | 840 |
| Average earning assets | $962,566,000 | 847 |
| Average equity | $119,064,200 | 828 |
| Average total loans | $545,224,200 | 1,064 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6266% | 3,959 |
| Cost of funding earning assets | 0.4336% | 3,619 |
| Net interest margin | 3.1930% | 3,506 |
| Noninterest income to average assets | 1.2665% | 680 |
| Noninterest expense to average assets | 2.9348% | 1,601 |
| Loan and lease loss provision to assets | 0.3147% | 1,266 |
| Net operating income to assets | 0.9374% | 2,576 |
| Return on assets (ROA) | 1.1364% | 1,982 |
| Pretax return on assets | 1.1364% | 2,619 |
| Return on Equity (ROE) | 9.9193% | 2,048 |
| Retained earnings to average equity (ytd only) | 8.1844% | 1,244 |
| Net charge-offs to loans | 0.1389% | 1,046 |
| Credit loss provision to net charge-offs | 428.0423% | 1,410 |
| Earnings coverage of net charge-offs (x) | 17.0317% | 2,034 |
| Efficiency ratio | 69.6064% | 1,946 |
| Assets per employee ($millions) | 4.8746% | 3,401 |
| Cash dividends to net income (ytd only)* | 17.4900% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 1,905 |
| Loan loss allowance to noncurrent loans | 419.8031% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 3,459 |
| Noncurrent loans to loans | 0.3249% | 3,122 |
| Net loans and leases to total assets | 51.2897% | 4,015 |
| Net loans and leases to deposits | 60.1712% | 4,050 |
| Net loans and leases to core deposits | 61.8528% | 4,122 |
| Total domestic deposits to total assets | 85.2397% | 2,342 |
| Equity capital to assets | 11.4966% | 2,008 |
| Core capital (leverage) ratio | 9.4522% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9574% | 1,511 |
| Memoranda: | ||
| Average total assets | $1,028,353,000 | 844 |
| Average earning assets | $940,573,250 | 852 |
| Average equity | $117,814,500 | 830 |
| Average total loans | $544,338,000 | 1,056 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 3,926 |
| Cost of funding earning assets | 0.4753% | 3,677 |
| Net interest margin | 3.3019% | 3,383 |
| Noninterest income to average assets | 1.3311% | 586 |
| Noninterest expense to average assets | 2.9912% | 1,592 |
| Loan and lease loss provision to assets | 0.4446% | 867 |
| Net operating income to assets | 0.9107% | 2,650 |
| Return on assets (ROA) | 1.2145% | 1,720 |
| Pretax return on assets | 1.2145% | 2,316 |
| Return on Equity (ROE) | 10.6145% | 1,768 |
| Retained earnings to average equity (ytd only) | 9.7149% | 843 |
| Net charge-offs to loans | 0.0751% | 1,500 |
| Credit loss provision to net charge-offs | 1,111.8812% | 734 |
| Earnings coverage of net charge-offs (x) | 33.8960% | 1,356 |
| Efficiency ratio | 68.3410% | 2,195 |
| Assets per employee ($millions) | 4.7773% | 3,436 |
| Cash dividends to net income (ytd only)* | 8.4746% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,561 |
| Loan loss allowance to noncurrent loans | 349.9777% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 3,368 |
| Noncurrent loans to loans | 0.4015% | 2,965 |
| Net loans and leases to total assets | 51.9817% | 4,030 |
| Net loans and leases to deposits | 60.9283% | 4,068 |
| Net loans and leases to core deposits | 62.6423% | 4,148 |
| Total domestic deposits to total assets | 85.3163% | 2,264 |
| Equity capital to assets | 11.4652% | 1,994 |
| Core capital (leverage) ratio | 9.5570% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8524% | 1,534 |
| Memoranda: | ||
| Average total assets | $1,010,418,667 | 841 |
| Average earning assets | $922,751,667 | 854 |
| Average equity | $115,615,667 | 840 |
| Average total loans | $538,214,333 | 1,055 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 3,923 |
| Cost of funding earning assets | 0.5722% | 3,582 |
| Net interest margin | 3.3790% | 3,363 |
| Noninterest income to average assets | 1.0396% | 788 |
| Noninterest expense to average assets | 3.0763% | 1,702 |
| Loan and lease loss provision to assets | 0.0609% | 3,012 |
| Net operating income to assets | 0.9828% | 2,236 |
| Return on assets (ROA) | 0.9852% | 2,328 |
| Pretax return on assets | 0.9852% | 2,886 |
| Return on Equity (ROE) | 8.6197% | 2,269 |
| Retained earnings to average equity (ytd only) | 8.6197% | 1,077 |
| Net charge-offs to loans | 0.0417% | 1,620 |
| Credit loss provision to net charge-offs | 272.7273% | 1,240 |
| Earnings coverage of net charge-offs (x) | 46.7455% | 946 |
| Efficiency ratio | 74.1452% | 1,794 |
| Assets per employee ($millions) | 4.3847% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 3,147 |
| Loan loss allowance to noncurrent loans | 1,763.5821% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 4,307 |
| Noncurrent loans to loans | 0.0630% | 4,286 |
| Net loans and leases to total assets | 53.0951% | 4,052 |
| Net loans and leases to deposits | 62.1869% | 4,090 |
| Net loans and leases to core deposits | 64.1830% | 4,157 |
| Total domestic deposits to total assets | 85.3798% | 2,255 |
| Equity capital to assets | 11.4419% | 2,494 |
| Core capital (leverage) ratio | 9.7093% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3013% | 1,527 |
| Memoranda: | ||
| Average total assets | $985,344,500 | 834 |
| Average earning assets | $898,245,500 | 846 |
| Average equity | $112,625,500 | 853 |
| Average total loans | $527,742,500 | 1,048 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 4,084 |
| Cost of funding earning assets | 0.6382% | 3,464 |
| Net interest margin | 3.4417% | 3,620 |
| Noninterest income to average assets | 1.1059% | 781 |
| Noninterest expense to average assets | 3.1154% | 1,723 |
| Loan and lease loss provision to assets | 0.0645% | 2,737 |
| Net operating income to assets | 1.0534% | 2,643 |
| Return on assets (ROA) | 1.0573% | 2,722 |
| Pretax return on assets | 1.0573% | 3,308 |
| Return on Equity (ROE) | 9.9424% | 2,317 |
| Retained earnings to average equity (ytd only) | -4.3113% | 4,957 |
| Net charge-offs to loans | 0.0933% | 1,796 |
| Credit loss provision to net charge-offs | 128.2051% | 1,989 |
| Earnings coverage of net charge-offs (x) | 22.2115% | 1,859 |
| Efficiency ratio | 73.1906% | 1,703 |
| Assets per employee ($millions) | 4.3545% | 3,429 |
| Cash dividends to net income (ytd only)* | 143.3628% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 2,890 |
| Loan loss allowance to noncurrent loans | 1,761.5152% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 4,341 |
| Noncurrent loans to loans | 0.0630% | 4,288 |
| Net loans and leases to total assets | 52.8323% | 4,163 |
| Net loans and leases to deposits | 61.7845% | 4,202 |
| Net loans and leases to core deposits | 63.9249% | 4,280 |
| Total domestic deposits to total assets | 85.5106% | 2,283 |
| Equity capital to assets | 11.4181% | 2,603 |
| Core capital (leverage) ratio | 9.5557% | 4,007 |
| Tier 1 risk-based capital ratio | 15.4348% | 2,604 |
| Total risk-based capital ratio | 16.4176% | 2,648 |
| Memoranda: | ||
| Average total assets | $929,819,200 | 842 |
| Average earning assets | $844,922,400 | 856 |
| Average equity | $98,879,200 | 909 |
| Average total loans | $501,374,600 | 1,076 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 4,175 |
| Cost of funding earning assets | 0.6482% | 3,458 |
| Net interest margin | 3.4425% | 3,752 |
| Noninterest income to average assets | 1.0851% | 779 |
| Noninterest expense to average assets | 3.1355% | 1,622 |
| Loan and lease loss provision to assets | 0.0654% | 2,583 |
| Net operating income to assets | 1.0096% | 2,949 |
| Return on assets (ROA) | 1.0101% | 3,026 |
| Pretax return on assets | 1.0101% | 3,562 |
| Return on Equity (ROE) | 9.6897% | 2,578 |
| Retained earnings to average equity (ytd only) | -9.9602% | 5,142 |
| Net charge-offs to loans | 0.0441% | 2,208 |
| Credit loss provision to net charge-offs | 274.3902% | 1,013 |
| Earnings coverage of net charge-offs (x) | 45.0978% | 1,268 |
| Efficiency ratio | 74.1068% | 1,550 |
| Assets per employee ($millions) | 4.2821% | 3,509 |
| Cash dividends to net income (ytd only)* | 202.7913% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,674 |
| Loan loss allowance to noncurrent loans | 9,323.4375% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 4,542 |
| Noncurrent loans to loans | 0.0125% | 4,622 |
| Net loans and leases to total assets | 51.9872% | 4,319 |
| Net loans and leases to deposits | 61.2166% | 4,333 |
| Net loans and leases to core deposits | 63.3327% | 4,412 |
| Total domestic deposits to total assets | 84.9233% | 2,449 |
| Equity capital to assets | 11.2216% | 2,904 |
| Core capital (leverage) ratio | 9.3519% | 4,326 |
| Tier 1 risk-based capital ratio | 15.0794% | 2,813 |
| Total risk-based capital ratio | 16.0995% | 2,846 |
| Memoranda: | ||
| Average total assets | $917,334,750 | 858 |
| Average earning assets | $832,828,000 | 864 |
| Average equity | $95,631,500 | 933 |
| Average total loans | $495,858,000 | 1,092 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 4,266 |
| Cost of funding earning assets | 0.6445% | 3,441 |
| Net interest margin | 3.4099% | 3,864 |
| Noninterest income to average assets | 1.0746% | 738 |
| Noninterest expense to average assets | 3.1990% | 1,508 |
| Loan and lease loss provision to assets | 0.0667% | 2,478 |
| Net operating income to assets | 0.9194% | 3,210 |
| Return on assets (ROA) | 0.9203% | 3,268 |
| Pretax return on assets | 0.9203% | 3,790 |
| Return on Equity (ROE) | 9.0774% | 2,819 |
| Retained earnings to average equity (ytd only) | -21.8477% | 5,256 |
| Net charge-offs to loans | 0.0277% | 2,299 |
| Credit loss provision to net charge-offs | 441.1765% | 660 |
| Earnings coverage of net charge-offs (x) | 65.1912% | 942 |
| Efficiency ratio | 76.1561% | 1,376 |
| Assets per employee ($millions) | 4.3140% | 3,414 |
| Cash dividends to net income (ytd only)* | 340.6817% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,837 |
| Loan loss allowance to noncurrent loans | 264.5638% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 3,479 |
| Noncurrent loans to loans | 0.4314% | 2,987 |
| Net loans and leases to total assets | 52.5318% | 4,320 |
| Net loans and leases to deposits | 61.5277% | 4,352 |
| Net loans and leases to core deposits | 63.5602% | 4,431 |
| Total domestic deposits to total assets | 85.3792% | 2,316 |
| Equity capital to assets | 10.8016% | 3,268 |
| Core capital (leverage) ratio | 8.9789% | 4,641 |
| Tier 1 risk-based capital ratio | 14.4198% | 3,103 |
| Total risk-based capital ratio | 15.4172% | 3,149 |
| Memoranda: | ||
| Average total assets | $899,101,670 | 874 |
| Average earning assets | $820,149,330 | 878 |
| Average equity | $91,149,330 | 964 |
| Average total loans | $490,710,670 | 1,097 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 4,565 |
| Cost of funding earning assets | 0.5769% | 3,690 |
| Net interest margin | 3.3145% | 4,128 |
| Noninterest income to average assets | 1.0641% | 708 |
| Noninterest expense to average assets | 3.1794% | 1,545 |
| Loan and lease loss provision to assets | 0.0697% | 2,263 |
| Net operating income to assets | 0.8384% | 3,490 |
| Return on assets (ROA) | 0.8384% | 3,529 |
| Pretax return on assets | 0.8384% | 3,948 |
| Return on Equity (ROE) | 8.5882% | 2,995 |
| Retained earnings to average equity (ytd only) | -58.4714% | 5,338 |
| Net charge-offs to loans | 0.0310% | 1,831 |
| Credit loss provision to net charge-offs | 405.4054% | 687 |
| Earnings coverage of net charge-offs (x) | 52.8378% | 991 |
| Efficiency ratio | 77.7841% | 1,293 |
| Assets per employee ($millions) | 4.3990% | 3,334 |
| Cash dividends to net income (ytd only)* | 780.8310% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,068 |
| Loan loss allowance to noncurrent loans | 259.2841% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 3,442 |
| Noncurrent loans to loans | 0.4281% | 3,052 |
| Net loans and leases to total assets | 52.8626% | 4,283 |
| Net loans and leases to deposits | 61.7282% | 4,319 |
| Net loans and leases to core deposits | 63.6986% | 4,395 |
| Total domestic deposits to total assets | 85.6377% | 2,427 |
| Equity capital to assets | 10.0617% | 3,762 |
| Core capital (leverage) ratio | 9.3154% | 4,349 |
| Tier 1 risk-based capital ratio | 13.9379% | 3,370 |
| Total risk-based capital ratio | 14.9100% | 3,427 |
| Memoranda: | ||
| Average total assets | $861,173,500 | 909 |
| Average earning assets | $785,512,000 | 919 |
| Average equity | $84,068,500 | 1,026 |
| Average total loans | $477,028,000 | 1,132 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8668% | 4,347 |
| Cost of funding earning assets | 0.4524% | 3,666 |
| Net interest margin | 3.4145% | 3,961 |
| Noninterest income to average assets | 1.3412% | 508 |
| Noninterest expense to average assets | 3.2208% | 1,500 |
| Loan and lease loss provision to assets | 0.0673% | 2,806 |
| Net operating income to assets | 1.1989% | 2,172 |
| Return on assets (ROA) | 1.1989% | 2,171 |
| Pretax return on assets | 1.1989% | 2,882 |
| Return on Equity (ROE) | 13.2418% | 1,254 |
| Retained earnings to average equity (ytd only) | 6.5986% | 1,865 |
| Net charge-offs to loans | 0.0250% | 2,904 |
| Credit loss provision to net charge-offs | 476.1905% | 716 |
| Earnings coverage of net charge-offs (x) | 89.6381% | 795 |
| Efficiency ratio | 71.7815% | 1,936 |
| Assets per employee ($millions) | 4.0531% | 3,823 |
| Cash dividends to net income (ytd only)* | 50.1683% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 1,972 |
| Loan loss allowance to noncurrent loans | 51,654.5455% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 4,705 |
| Noncurrent loans to loans | 0.0025% | 4,818 |
| Net loans and leases to total assets | 57.1672% | 4,033 |
| Net loans and leases to deposits | 65.3018% | 4,170 |
| Net loans and leases to core deposits | 66.5080% | 4,326 |
| Total domestic deposits to total assets | 87.5431% | 1,513 |
| Equity capital to assets | 9.3697% | 4,245 |
| Core capital (leverage) ratio | 9.9086% | 3,686 |
| Tier 1 risk-based capital ratio | 14.4082% | 3,109 |
| Total risk-based capital ratio | 15.5205% | 3,096 |
| Memoranda: | ||
| Average total assets | $743,355,400 | 1,005 |
| Average earning assets | $684,849,200 | 1,007 |
| Average equity | $67,302,200 | 1,200 |
| Average total loans | $419,445,200 | 1,208 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8007% | 4,434 |
| Cost of funding earning assets | 0.4337% | 3,639 |
| Net interest margin | 3.3670% | 4,113 |
| Noninterest income to average assets | 1.3293% | 538 |
| Noninterest expense to average assets | 3.1868% | 1,556 |
| Loan and lease loss provision to assets | 0.0763% | 2,438 |
| Net operating income to assets | 1.1740% | 2,344 |
| Return on assets (ROA) | 1.1740% | 2,348 |
| Pretax return on assets | 1.1740% | 3,101 |
| Return on Equity (ROE) | 13.0812% | 1,400 |
| Retained earnings to average equity (ytd only) | 7.9267% | 1,690 |
| Net charge-offs to loans | 0.0224% | 2,692 |
| Credit loss provision to net charge-offs | 607.1429% | 590 |
| Earnings coverage of net charge-offs (x) | 99.5010% | 756 |
| Efficiency ratio | 71.8222% | 1,914 |
| Assets per employee ($millions) | 4.0004% | 3,883 |
| Cash dividends to net income (ytd only)* | 39.4036% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 2,091 |
| Loan loss allowance to noncurrent loans | 564,300.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,839 |
| Noncurrent loans to loans | 0.0002% | 4,953 |
| Net loans and leases to total assets | 57.8665% | 4,059 |
| Net loans and leases to deposits | 65.8030% | 4,211 |
| Net loans and leases to core deposits | 67.0229% | 4,354 |
| Total domestic deposits to total assets | 87.9390% | 1,260 |
| Equity capital to assets | 9.0406% | 4,517 |
| Core capital (leverage) ratio | 9.8965% | 3,748 |
| Tier 1 risk-based capital ratio | 14.4059% | 3,166 |
| Total risk-based capital ratio | 15.5177% | 3,149 |
| Memoranda: | ||
| Average total assets | $742,753,750 | 1,007 |
| Average earning assets | $685,584,750 | 1,005 |
| Average equity | $66,658,750 | 1,208 |
| Average total loans | $416,303,250 | 1,215 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 4,488 |
| Cost of funding earning assets | 0.4246% | 3,541 |
| Net interest margin | 3.3160% | 4,204 |
| Noninterest income to average assets | 1.3703% | 508 |
| Noninterest expense to average assets | 3.1372% | 1,699 |
| Loan and lease loss provision to assets | 0.0941% | 2,038 |
| Net operating income to assets | 1.2033% | 2,184 |
| Return on assets (ROA) | 1.2033% | 2,184 |
| Pretax return on assets | 1.2033% | 2,931 |
| Return on Equity (ROE) | 13.4402% | 1,229 |
| Retained earnings to average equity (ytd only) | 8.3994% | 1,447 |
| Net charge-offs to loans | 0.0127% | 2,710 |
| Credit loss provision to net charge-offs | 1,346.1538% | 312 |
| Earnings coverage of net charge-offs (x) | 185.5385% | 442 |
| Efficiency ratio | 70.7441% | 2,203 |
| Assets per employee ($millions) | 3.9302% | 4,020 |
| Cash dividends to net income (ytd only)* | 37.5056% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,937 |
| Loan loss allowance to noncurrent loans | 13,361.9048% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 4,553 |
| Noncurrent loans to loans | 0.0101% | 4,907 |
| Net loans and leases to total assets | 55.1357% | 4,231 |
| Net loans and leases to deposits | 62.4433% | 4,392 |
| Net loans and leases to core deposits | 63.4029% | 4,527 |
| Total domestic deposits to total assets | 88.2973% | 1,221 |
| Equity capital to assets | 8.9355% | 4,607 |
| Core capital (leverage) ratio | 9.6267% | 3,969 |
| Tier 1 risk-based capital ratio | 14.5398% | 3,099 |
| Total risk-based capital ratio | 15.6738% | 3,064 |
| Memoranda: | ||
| Average total assets | $743,650,000 | 1,007 |
| Average earning assets | $687,208,330 | 1,001 |
| Average equity | $66,576,330 | 1,209 |
| Average total loans | $410,440,000 | 1,231 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6661% | 4,556 |
| Cost of funding earning assets | 0.4056% | 3,538 |
| Net interest margin | 3.2605% | 4,289 |
| Noninterest income to average assets | 1.2665% | 578 |
| Noninterest expense to average assets | 3.1502% | 1,691 |
| Loan and lease loss provision to assets | 0.0403% | 2,948 |
| Net operating income to assets | 1.0967% | 2,435 |
| Return on assets (ROA) | 1.0967% | 2,446 |
| Pretax return on assets | 1.0967% | 3,185 |
| Return on Equity (ROE) | 12.2379% | 1,494 |
| Retained earnings to average equity (ytd only) | 10.2343% | 1,092 |
| Net charge-offs to loans | 0.0186% | 2,133 |
| Credit loss provision to net charge-offs | 394.7368% | 701 |
| Earnings coverage of net charge-offs (x) | 111.3158% | 564 |
| Efficiency ratio | 73.4796% | 1,971 |
| Assets per employee ($millions) | 3.9057% | 4,143 |
| Cash dividends to net income (ytd only)* | 16.3725% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,268 |
| Loan loss allowance to noncurrent loans | 817.1254% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 4,207 |
| Noncurrent loans to loans | 0.1585% | 4,267 |
| Net loans and leases to total assets | 55.1728% | 4,193 |
| Net loans and leases to deposits | 63.3399% | 4,251 |
| Net loans and leases to core deposits | 65.1087% | 4,365 |
| Total domestic deposits to total assets | 87.1058% | 2,079 |
| Equity capital to assets | 8.9115% | 4,646 |
| Core capital (leverage) ratio | 9.5932% | 3,966 |
| Tier 1 risk-based capital ratio | 14.1831% | 3,286 |
| Total risk-based capital ratio | 15.2526% | 3,295 |
| Memoranda: | ||
| Average total assets | $744,073,500 | 1,014 |
| Average earning assets | $689,347,500 | 1,008 |
| Average equity | $66,678,000 | 1,211 |
| Average total loans | $408,079,000 | 1,242 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5654% | 4,647 |
| Cost of funding earning assets | 0.3489% | 3,728 |
| Net interest margin | 3.2164% | 4,408 |
| Noninterest income to average assets | 1.3220% | 606 |
| Noninterest expense to average assets | 3.0877% | 1,897 |
| Loan and lease loss provision to assets | 0.0626% | 2,981 |
| Net operating income to assets | 1.1393% | 1,717 |
| Return on assets (ROA) | 1.1394% | 1,753 |
| Pretax return on assets | 1.1394% | 3,022 |
| Return on Equity (ROE) | 12.4868% | 1,083 |
| Retained earnings to average equity (ytd only) | 5.8870% | 1,604 |
| Net charge-offs to loans | 0.0531% | 2,746 |
| Credit loss provision to net charge-offs | 224.3902% | 1,228 |
| Earnings coverage of net charge-offs (x) | 43.0878% | 1,199 |
| Efficiency ratio | 71.8382% | 2,251 |
| Assets per employee ($millions) | 4.0105% | 3,942 |
| Cash dividends to net income (ytd only)* | 52.8541% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,167 |
| Loan loss allowance to noncurrent loans | 75,542.8571% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 4,692 |
| Noncurrent loans to loans | 0.0017% | 5,068 |
| Net loans and leases to total assets | 53.1026% | 4,433 |
| Net loans and leases to deposits | 62.2879% | 4,423 |
| Net loans and leases to core deposits | 63.9585% | 4,534 |
| Total domestic deposits to total assets | 85.2534% | 2,736 |
| Equity capital to assets | 9.0102% | 4,713 |
| Core capital (leverage) ratio | 9.3389% | 4,242 |
| Tier 1 risk-based capital ratio | 13.9847% | 3,369 |
| Total risk-based capital ratio | 15.0536% | 3,382 |
| Memoranda: | ||
| Average total assets | $734,921,000 | 1,003 |
| Average earning assets | $678,052,200 | 998 |
| Average equity | $67,062,800 | 1,191 |
| Average total loans | $386,410,000 | 1,271 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5574% | 4,664 |
| Cost of funding earning assets | 0.3440% | 3,732 |
| Net interest margin | 3.2134% | 4,415 |
| Noninterest income to average assets | 1.3025% | 629 |
| Noninterest expense to average assets | 3.1184% | 1,755 |
| Loan and lease loss provision to assets | 0.0702% | 2,676 |
| Net operating income to assets | 1.0762% | 2,198 |
| Return on assets (ROA) | 1.0764% | 2,247 |
| Pretax return on assets | 1.0764% | 3,397 |
| Return on Equity (ROE) | 11.7554% | 1,411 |
| Retained earnings to average equity (ytd only) | 7.1353% | 1,620 |
| Net charge-offs to loans | 0.0558% | 2,333 |
| Credit loss provision to net charge-offs | 240.6250% | 1,166 |
| Earnings coverage of net charge-offs (x) | 39.2934% | 1,319 |
| Efficiency ratio | 72.9733% | 2,049 |
| Assets per employee ($millions) | 3.9032% | 4,154 |
| Cash dividends to net income (ytd only)* | 39.3021% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 2,253 |
| Loan loss allowance to noncurrent loans | 796.6667% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 4,466 |
| Noncurrent loans to loans | 0.1659% | 4,398 |
| Net loans and leases to total assets | 53.4913% | 4,457 |
| Net loans and leases to deposits | 63.6371% | 4,406 |
| Net loans and leases to core deposits | 65.3508% | 4,525 |
| Total domestic deposits to total assets | 84.0567% | 3,105 |
| Equity capital to assets | 9.4942% | 4,453 |
| Core capital (leverage) ratio | 9.4015% | 4,288 |
| Tier 1 risk-based capital ratio | 14.4087% | 3,234 |
| Total risk-based capital ratio | 15.5097% | 3,223 |
| Memoranda: | ||
| Average total assets | $731,177,250 | 1,010 |
| Average earning assets | $674,028,000 | 1,007 |
| Average equity | $66,951,750 | 1,197 |
| Average total loans | $382,128,250 | 1,290 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5036% | 4,755 |
| Cost of funding earning assets | 0.3324% | 3,766 |
| Net interest margin | 3.1713% | 4,494 |
| Noninterest income to average assets | 1.2989% | 614 |
| Noninterest expense to average assets | 3.0913% | 1,855 |
| Loan and lease loss provision to assets | 0.0479% | 3,033 |
| Net operating income to assets | 1.0812% | 2,080 |
| Return on assets (ROA) | 1.0812% | 2,122 |
| Pretax return on assets | 1.0812% | 3,256 |
| Return on Equity (ROE) | 11.9552% | 1,314 |
| Retained earnings to average equity (ytd only) | 7.2888% | 1,457 |
| Net charge-offs to loans | 0.0425% | 2,345 |
| Credit loss provision to net charge-offs | 218.7500% | 1,187 |
| Earnings coverage of net charge-offs (x) | 51.5375% | 1,052 |
| Efficiency ratio | 73.0971% | 2,170 |
| Assets per employee ($millions) | 3.8270% | 4,238 |
| Cash dividends to net income (ytd only)* | 39.0324% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 2,365 |
| Loan loss allowance to noncurrent loans | 56,977.7778% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 4,909 |
| Noncurrent loans to loans | 0.0023% | 5,200 |
| Net loans and leases to total assets | 51.7897% | 4,592 |
| Net loans and leases to deposits | 60.6666% | 4,580 |
| Net loans and leases to core deposits | 62.2053% | 4,706 |
| Total domestic deposits to total assets | 85.3678% | 2,663 |
| Equity capital to assets | 9.2250% | 4,703 |
| Core capital (leverage) ratio | 9.2651% | 4,409 |
| Tier 1 risk-based capital ratio | 14.2907% | 3,270 |
| Total risk-based capital ratio | 15.3743% | 3,270 |
| Memoranda: | ||
| Average total assets | $730,304,330 | 1,013 |
| Average earning assets | $672,784,330 | 1,010 |
| Average equity | $66,046,330 | 1,213 |
| Average total loans | $376,912,670 | 1,307 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4561% | 4,814 |
| Cost of funding earning assets | 0.3280% | 3,770 |
| Net interest margin | 3.1281% | 4,575 |
| Noninterest income to average assets | 1.3418% | 578 |
| Noninterest expense to average assets | 3.1149% | 1,826 |
| Loan and lease loss provision to assets | 0.0415% | 2,973 |
| Net operating income to assets | 1.0632% | 2,016 |
| Return on assets (ROA) | 1.0632% | 2,055 |
| Pretax return on assets | 1.0632% | 3,119 |
| Return on Equity (ROE) | 11.8796% | 1,274 |
| Retained earnings to average equity (ytd only) | 9.8626% | 840 |
| Net charge-offs to loans | 0.0227% | 2,312 |
| Credit loss provision to net charge-offs | 357.1429% | 706 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 564 |
| Efficiency ratio | 73.6745% | 2,286 |
| Assets per employee ($millions) | 3.9081% | 4,170 |
| Cash dividends to net income (ytd only)* | 16.9792% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 2,230 |
| Loan loss allowance to noncurrent loans | 13,386.8421% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 4,965 |
| Noncurrent loans to loans | 0.0102% | 5,207 |
| Net loans and leases to total assets | 50.2829% | 4,653 |
| Net loans and leases to deposits | 58.4434% | 4,672 |
| Net loans and leases to core deposits | 60.0513% | 4,773 |
| Total domestic deposits to total assets | 86.0369% | 2,647 |
| Equity capital to assets | 9.0171% | 4,788 |
| Core capital (leverage) ratio | 9.3618% | 4,265 |
| Tier 1 risk-based capital ratio | 14.7200% | 3,104 |
| Total risk-based capital ratio | 15.8415% | 3,088 |
| Memoranda: | ||
| Average total assets | $722,327,500 | 1,028 |
| Average earning assets | $664,566,500 | 1,026 |
| Average equity | $64,648,500 | 1,234 |
| Average total loans | $369,562,500 | 1,336 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2858% | 5,180 |
| Cost of funding earning assets | 0.3196% | 3,849 |
| Net interest margin | 2.9661% | 5,025 |
| Noninterest income to average assets | 1.4116% | 579 |
| Noninterest expense to average assets | 3.2605% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8741% | 2,958 |
| Return on assets (ROA) | 0.9225% | 2,832 |
| Pretax return on assets | 0.9225% | 3,763 |
| Return on Equity (ROE) | 9.6927% | 2,111 |
| Retained earnings to average equity (ytd only) | 5.1340% | 2,255 |
| Net charge-offs to loans | 0.0696% | 2,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 25.8547% | 1,570 |
| Efficiency ratio | 78.4813% | 1,630 |
| Assets per employee ($millions) | 3.7570% | 4,385 |
| Cash dividends to net income (ytd only)* | 47.0321% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 2,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 5,037 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 50.6457% | 4,714 |
| Net loans and leases to deposits | 58.1463% | 4,776 |
| Net loans and leases to core deposits | 59.6647% | 4,876 |
| Total domestic deposits to total assets | 87.1004% | 2,086 |
| Equity capital to assets | 8.8813% | 4,933 |
| Core capital (leverage) ratio | 9.3442% | 4,294 |
| Tier 1 risk-based capital ratio | 14.7737% | 3,063 |
| Total risk-based capital ratio | 15.9145% | 3,061 |
| Memoranda: | ||
| Average total assets | $692,137,600 | 1,026 |
| Average earning assets | $635,404,400 | 1,024 |
| Average equity | $65,874,600 | 1,192 |
| Average total loans | $336,036,600 | 1,388 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2871% | 5,232 |
| Cost of funding earning assets | 0.3213% | 3,855 |
| Net interest margin | 2.9658% | 5,072 |
| Noninterest income to average assets | 1.4241% | 586 |
| Noninterest expense to average assets | 3.2614% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8848% | 2,983 |
| Return on assets (ROA) | 0.9224% | 2,922 |
| Pretax return on assets | 0.9224% | 3,903 |
| Return on Equity (ROE) | 9.5265% | 2,261 |
| Retained earnings to average equity (ytd only) | 5.0570% | 2,785 |
| Net charge-offs to loans | 0.0731% | 2,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 25.3171% | 1,640 |
| Efficiency ratio | 78.2065% | 1,660 |
| Assets per employee ($millions) | 3.7331% | 4,415 |
| Cash dividends to net income (ytd only)* | 46.9165% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 2,036 |
| Loan loss allowance to noncurrent loans | 8,926.3158% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 5,109 |
| Noncurrent loans to loans | 0.0161% | 5,328 |
| Net loans and leases to total assets | 49.4876% | 4,854 |
| Net loans and leases to deposits | 57.8517% | 4,885 |
| Net loans and leases to core deposits | 59.4908% | 4,961 |
| Total domestic deposits to total assets | 85.5423% | 2,585 |
| Equity capital to assets | 9.6764% | 4,492 |
| Core capital (leverage) ratio | 9.3778% | 4,360 |
| Tier 1 risk-based capital ratio | 15.0292% | 3,038 |
| Total risk-based capital ratio | 16.2193% | 2,994 |
| Memoranda: | ||
| Average total assets | $686,713,000 | 1,040 |
| Average earning assets | $630,285,000 | 1,031 |
| Average equity | $66,493,750 | 1,188 |
| Average total loans | $328,405,500 | 1,422 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3026% | 5,284 |
| Cost of funding earning assets | 0.3249% | 3,848 |
| Net interest margin | 2.9777% | 5,124 |
| Noninterest income to average assets | 1.4573% | 547 |
| Noninterest expense to average assets | 3.2321% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9567% | 2,595 |
| Return on assets (ROA) | 1.0067% | 2,493 |
| Pretax return on assets | 1.0067% | 3,554 |
| Return on Equity (ROE) | 10.3944% | 1,890 |
| Retained earnings to average equity (ytd only) | 5.9210% | 2,164 |
| Net charge-offs to loans | 0.0863% | 1,982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 23.5870% | 1,584 |
| Efficiency ratio | 76.6473% | 1,988 |
| Assets per employee ($millions) | 3.6387% | 4,533 |
| Cash dividends to net income (ytd only)* | 43.0365% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,667 |
| Loan loss allowance to noncurrent loans | 3,375.0000% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 5,058 |
| Noncurrent loans to loans | 0.0460% | 5,277 |
| Net loans and leases to total assets | 47.5823% | 5,026 |
| Net loans and leases to deposits | 54.4488% | 5,108 |
| Net loans and leases to core deposits | 55.8490% | 5,181 |
| Total domestic deposits to total assets | 87.3891% | 1,718 |
| Equity capital to assets | 9.9212% | 4,322 |
| Core capital (leverage) ratio | 9.4566% | 4,259 |
| Tier 1 risk-based capital ratio | 15.8046% | 2,737 |
| Total risk-based capital ratio | 17.0564% | 2,674 |
| Memoranda: | ||
| Average total assets | $680,430,000 | 1,047 |
| Average earning assets | $624,183,330 | 1,047 |
| Average equity | $65,900,670 | 1,196 |
| Average total loans | $319,789,330 | 1,457 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 4,636 |
| Cost of funding earning assets | 0.3338% | 3,786 |
| Net interest margin | 3.2580% | 4,372 |
| Noninterest income to average assets | 1.3646% | 595 |
| Noninterest expense to average assets | 3.1647% | 1,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1919% | 1,586 |
| Return on assets (ROA) | 1.1989% | 1,666 |
| Pretax return on assets | 1.1989% | 2,704 |
| Return on Equity (ROE) | 12.5330% | 1,146 |
| Retained earnings to average equity (ytd only) | 10.4935% | 745 |
| Net charge-offs to loans | 0.1234% | 1,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.8454% | 1,451 |
| Efficiency ratio | 72.1553% | 2,779 |
| Assets per employee ($millions) | 3.6245% | 4,606 |
| Cash dividends to net income (ytd only)* | 16.2734% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 1,530 |
| Loan loss allowance to noncurrent loans | 103,420.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 5,053 |
| Noncurrent loans to loans | 0.0016% | 5,533 |
| Net loans and leases to total assets | 45.8215% | 5,130 |
| Net loans and leases to deposits | 52.3483% | 5,204 |
| Net loans and leases to core deposits | 53.7903% | 5,267 |
| Total domestic deposits to total assets | 87.5319% | 1,908 |
| Equity capital to assets | 9.7989% | 4,342 |
| Core capital (leverage) ratio | 9.4475% | 4,280 |
| Tier 1 risk-based capital ratio | 16.1580% | 2,602 |
| Total risk-based capital ratio | 17.4089% | 2,555 |
| Memoranda: | ||
| Average total assets | $678,604,000 | 1,046 |
| Average earning assets | $623,207,000 | 1,048 |
| Average equity | $64,916,500 | 1,202 |
| Average total loans | $314,368,000 | 1,467 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2464% | 5,437 |
| Cost of funding earning assets | 0.3347% | 3,851 |
| Net interest margin | 2.9117% | 5,316 |
| Noninterest income to average assets | 1.4111% | 607 |
| Noninterest expense to average assets | 3.1679% | 2,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9182% | 2,767 |
| Return on assets (ROA) | 0.9526% | 2,681 |
| Pretax return on assets | 0.9526% | 3,642 |
| Return on Equity (ROE) | 10.0032% | 2,009 |
| Retained earnings to average equity (ytd only) | 5.0464% | 2,379 |
| Net charge-offs to loans | 0.0857% | 2,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 24.1120% | 1,695 |
| Efficiency ratio | 76.9850% | 2,119 |
| Assets per employee ($millions) | 3.6139% | 4,622 |
| Cash dividends to net income (ytd only)* | 49.5523% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 1,370 |
| Loan loss allowance to noncurrent loans | 52,680.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 5,064 |
| Noncurrent loans to loans | 0.0032% | 5,547 |
| Net loans and leases to total assets | 45.2894% | 5,211 |
| Net loans and leases to deposits | 51.9922% | 5,287 |
| Net loans and leases to core deposits | 53.3543% | 5,354 |
| Total domestic deposits to total assets | 87.1080% | 2,071 |
| Equity capital to assets | 9.3315% | 4,752 |
| Core capital (leverage) ratio | 9.3011% | 4,472 |
| Tier 1 risk-based capital ratio | 15.8999% | 2,736 |
| Total risk-based capital ratio | 17.1513% | 2,671 |
| Memoranda: | ||
| Average total assets | $656,527,600 | 1,042 |
| Average earning assets | $603,153,400 | 1,040 |
| Average equity | $62,520,000 | 1,205 |
| Average total loans | $291,602,400 | 1,496 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2347% | 5,533 |
| Cost of funding earning assets | 0.3381% | 3,885 |
| Net interest margin | 2.8966% | 5,422 |
| Noninterest income to average assets | 1.2868% | 724 |
| Noninterest expense to average assets | 3.1588% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7870% | 3,490 |
| Return on assets (ROA) | 0.8325% | 3,353 |
| Pretax return on assets | 0.8325% | 4,234 |
| Return on Equity (ROE) | 8.6964% | 2,733 |
| Retained earnings to average equity (ytd only) | 4.1997% | 3,480 |
| Net charge-offs to loans | 0.0553% | 2,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 32.3283% | 1,422 |
| Efficiency ratio | 79.4888% | 1,729 |
| Assets per employee ($millions) | 3.6047% | 4,600 |
| Cash dividends to net income (ytd only)* | 51.7080% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7991% | 1,265 |
| Loan loss allowance to noncurrent loans | 14,591.8919% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 5,139 |
| Noncurrent loans to loans | 0.0123% | 5,591 |
| Net loans and leases to total assets | 44.4313% | 5,330 |
| Net loans and leases to deposits | 51.6314% | 5,387 |
| Net loans and leases to core deposits | 52.9817% | 5,463 |
| Total domestic deposits to total assets | 86.0548% | 2,499 |
| Equity capital to assets | 9.5829% | 4,656 |
| Core capital (leverage) ratio | 9.3235% | 4,553 |
| Tier 1 risk-based capital ratio | 16.0928% | 2,757 |
| Total risk-based capital ratio | 17.3451% | 2,710 |
| Memoranda: | ||
| Average total assets | $651,707,750 | 1,057 |
| Average earning assets | $598,256,250 | 1,055 |
| Average equity | $62,384,250 | 1,218 |
| Average total loans | $286,668,750 | 1,526 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2525% | 5,529 |
| Cost of funding earning assets | 0.3433% | 3,884 |
| Net interest margin | 2.9092% | 5,426 |
| Noninterest income to average assets | 1.2867% | 740 |
| Noninterest expense to average assets | 3.1276% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8252% | 3,243 |
| Return on assets (ROA) | 0.8585% | 3,193 |
| Pretax return on assets | 0.8585% | 4,096 |
| Return on Equity (ROE) | 8.9721% | 2,561 |
| Retained earnings to average equity (ytd only) | 4.3231% | 3,271 |
| Net charge-offs to loans | 0.0567% | 2,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 33.4125% | 1,273 |
| Efficiency ratio | 78.5536% | 1,983 |
| Assets per employee ($millions) | 3.5001% | 4,790 |
| Cash dividends to net income (ytd only)* | 51.8159% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8614% | 1,243 |
| Loan loss allowance to noncurrent loans | 2,923.6559% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 5,058 |
| Noncurrent loans to loans | 0.0637% | 5,477 |
| Net loans and leases to total assets | 44.2782% | 5,368 |
| Net loans and leases to deposits | 49.7866% | 5,514 |
| Net loans and leases to core deposits | 50.9858% | 5,577 |
| Total domestic deposits to total assets | 88.9359% | 1,170 |
| Equity capital to assets | 9.6879% | 4,419 |
| Core capital (leverage) ratio | 9.2554% | 4,611 |
| Tier 1 risk-based capital ratio | 16.1308% | 2,792 |
| Total risk-based capital ratio | 17.3833% | 2,744 |
| Memoranda: | ||
| Average total assets | $647,854,670 | 1,070 |
| Average earning assets | $593,695,330 | 1,071 |
| Average equity | $61,992,330 | 1,226 |
| Average total loans | $282,192,670 | 1,545 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3080% | 5,433 |
| Cost of funding earning assets | 0.3427% | 3,956 |
| Net interest margin | 2.9652% | 5,305 |
| Noninterest income to average assets | 1.2765% | 704 |
| Noninterest expense to average assets | 3.0610% | 2,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9284% | 2,615 |
| Return on assets (ROA) | 0.9277% | 2,742 |
| Pretax return on assets | 0.9277% | 3,786 |
| Return on Equity (ROE) | 9.7561% | 2,111 |
| Retained earnings to average equity (ytd only) | 4.7190% | 3,207 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1721% | 2,494 |
| Assets per employee ($millions) | 3.5690% | 4,779 |
| Cash dividends to net income (ytd only)* | 51.6301% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9735% | 1,131 |
| Loan loss allowance to noncurrent loans | 6,812.3457% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 5,207 |
| Noncurrent loans to loans | 0.0290% | 5,688 |
| Net loans and leases to total assets | 41.9648% | 5,488 |
| Net loans and leases to deposits | 47.0909% | 5,616 |
| Net loans and leases to core deposits | 48.3447% | 5,655 |
| Total domestic deposits to total assets | 89.1145% | 1,192 |
| Equity capital to assets | 9.5758% | 4,663 |
| Core capital (leverage) ratio | 9.2940% | 4,580 |
| Tier 1 risk-based capital ratio | 16.5536% | 2,660 |
| Total risk-based capital ratio | 17.8094% | 2,604 |
| Memoranda: | ||
| Average total assets | $648,022,000 | 1,074 |
| Average earning assets | $592,871,500 | 1,072 |
| Average equity | $61,623,000 | 1,240 |
| Average total loans | $277,215,000 | 1,573 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 5,201 |
| Cost of funding earning assets | 0.3674% | 4,063 |
| Net interest margin | 3.1857% | 4,975 |
| Noninterest income to average assets | 1.4162% | 604 |
| Noninterest expense to average assets | 3.1459% | 2,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1706% | 1,670 |
| Return on assets (ROA) | 1.1757% | 1,728 |
| Pretax return on assets | 1.1757% | 2,753 |
| Return on Equity (ROE) | 12.7590% | 1,192 |
| Retained earnings to average equity (ytd only) | 6.7269% | 1,533 |
| Net charge-offs to loans | 0.0537% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 48.1854% | 954 |
| Efficiency ratio | 72.3369% | 3,150 |
| Assets per employee ($millions) | 3.6119% | 4,698 |
| Cash dividends to net income (ytd only)* | 47.2770% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0078% | 1,100 |
| Loan loss allowance to noncurrent loans | 5,870.2128% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 5,268 |
| Noncurrent loans to loans | 0.0342% | 5,754 |
| Net loans and leases to total assets | 41.8889% | 5,626 |
| Net loans and leases to deposits | 46.9664% | 5,749 |
| Net loans and leases to core deposits | 48.2754% | 5,803 |
| Total domestic deposits to total assets | 89.1890% | 1,128 |
| Equity capital to assets | 9.4419% | 4,788 |
| Core capital (leverage) ratio | 9.1624% | 4,730 |
| Tier 1 risk-based capital ratio | 17.9539% | 2,153 |
| Total risk-based capital ratio | 19.2104% | 2,116 |
| Memoranda: | ||
| Average total assets | $621,578,000 | 1,070 |
| Average earning assets | $565,870,800 | 1,071 |
| Average equity | $57,277,200 | 1,279 |
| Average total loans | $281,193,200 | 1,513 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 5,181 |
| Cost of funding earning assets | 0.3718% | 4,110 |
| Net interest margin | 3.2138% | 4,917 |
| Noninterest income to average assets | 1.4152% | 623 |
| Noninterest expense to average assets | 3.1848% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1571% | 1,837 |
| Return on assets (ROA) | 1.1640% | 1,878 |
| Pretax return on assets | 1.1640% | 2,934 |
| Return on Equity (ROE) | 12.7137% | 1,296 |
| Retained earnings to average equity (ytd only) | 6.8248% | 1,911 |
| Net charge-offs to loans | 0.0448% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 56.2963% | 902 |
| Efficiency ratio | 72.8075% | 3,038 |
| Assets per employee ($millions) | 3.5389% | 4,788 |
| Cash dividends to net income (ytd only)* | 46.3197% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 1,273 |
| Loan loss allowance to noncurrent loans | 5,806.2500% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 5,434 |
| Noncurrent loans to loans | 0.0343% | 5,889 |
| Net loans and leases to total assets | 43.7604% | 5,538 |
| Net loans and leases to deposits | 49.1012% | 5,694 |
| Net loans and leases to core deposits | 50.5168% | 5,767 |
| Total domestic deposits to total assets | 89.1228% | 1,165 |
| Equity capital to assets | 9.3548% | 4,972 |
| Core capital (leverage) ratio | 9.2218% | 4,749 |
| Tier 1 risk-based capital ratio | 17.6112% | 2,353 |
| Total risk-based capital ratio | 18.8680% | 2,311 |
| Memoranda: | ||
| Average total assets | $616,242,500 | 1,092 |
| Average earning assets | $561,193,000 | 1,091 |
| Average equity | $56,420,500 | 1,303 |
| Average total loans | $282,784,000 | 1,510 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 5,107 |
| Cost of funding earning assets | 0.3784% | 4,123 |
| Net interest margin | 3.2363% | 4,824 |
| Noninterest income to average assets | 1.4095% | 610 |
| Noninterest expense to average assets | 3.1841% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1670% | 1,700 |
| Return on assets (ROA) | 1.1807% | 1,724 |
| Pretax return on assets | 1.1807% | 2,758 |
| Return on Equity (ROE) | 12.9923% | 1,179 |
| Retained earnings to average equity (ytd only) | 7.3292% | 1,598 |
| Net charge-offs to loans | 0.0197% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 127.7143% | 470 |
| Efficiency ratio | 72.6318% | 3,220 |
| Assets per employee ($millions) | 3.3770% | 5,105 |
| Cash dividends to net income (ytd only)* | 43.5876% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9608% | 1,434 |
| Loan loss allowance to noncurrent loans | 5,271.9626% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 5,527 |
| Noncurrent loans to loans | 0.0372% | 5,946 |
| Net loans and leases to total assets | 45.1457% | 5,449 |
| Net loans and leases to deposits | 50.6076% | 5,592 |
| Net loans and leases to core deposits | 52.0689% | 5,662 |
| Total domestic deposits to total assets | 89.2075% | 1,245 |
| Equity capital to assets | 9.2935% | 4,990 |
| Core capital (leverage) ratio | 9.1232% | 4,848 |
| Tier 1 risk-based capital ratio | 17.0877% | 2,584 |
| Total risk-based capital ratio | 18.3445% | 2,546 |
| Memoranda: | ||
| Average total assets | $612,859,000 | 1,097 |
| Average earning assets | $557,057,670 | 1,095 |
| Average equity | $55,694,670 | 1,303 |
| Average total loans | $283,816,670 | 1,507 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6261% | 5,082 |
| Cost of funding earning assets | 0.3813% | 4,183 |
| Net interest margin | 3.2448% | 4,761 |
| Noninterest income to average assets | 1.4546% | 557 |
| Noninterest expense to average assets | 3.2077% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1916% | 1,506 |
| Return on assets (ROA) | 1.2107% | 1,517 |
| Pretax return on assets | 1.2107% | 2,444 |
| Return on Equity (ROE) | 13.4796% | 1,042 |
| Retained earnings to average equity (ytd only) | 8.3725% | 1,466 |
| Net charge-offs to loans | -0.0057% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3745% | 3,419 |
| Assets per employee ($millions) | 3.4216% | 5,100 |
| Cash dividends to net income (ytd only)* | 37.8879% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0157% | 1,487 |
| Loan loss allowance to noncurrent loans | 2,287.5000% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 4,896 |
| Noncurrent loans to loans | 0.0881% | 5,866 |
| Net loans and leases to total assets | 44.5277% | 5,460 |
| Net loans and leases to deposits | 49.7149% | 5,615 |
| Net loans and leases to core deposits | 51.3446% | 5,663 |
| Total domestic deposits to total assets | 89.5662% | 1,331 |
| Equity capital to assets | 8.9844% | 5,132 |
| Core capital (leverage) ratio | 9.2420% | 4,659 |
| Tier 1 risk-based capital ratio | 17.0430% | 2,672 |
| Total risk-based capital ratio | 18.2993% | 2,619 |
| Memoranda: | ||
| Average total assets | $606,919,000 | 1,115 |
| Average earning assets | $550,791,500 | 1,116 |
| Average equity | $54,512,000 | 1,329 |
| Average total loans | $281,883,000 | 1,520 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7472% | 4,988 |
| Cost of funding earning assets | 0.4280% | 4,340 |
| Net interest margin | 3.3192% | 4,591 |
| Noninterest income to average assets | 1.5306% | 605 |
| Noninterest expense to average assets | 3.3881% | 1,909 |
| Loan and lease loss provision to assets | 0.0548% | 4,046 |
| Net operating income to assets | 1.0903% | 1,958 |
| Return on assets (ROA) | 1.1099% | 1,972 |
| Pretax return on assets | 1.1099% | 2,916 |
| Return on Equity (ROE) | 12.0942% | 1,389 |
| Retained earnings to average equity (ytd only) | 6.1061% | 1,910 |
| Net charge-offs to loans | 0.2067% | 2,810 |
| Credit loss provision to net charge-offs | 54.4369% | 3,720 |
| Earnings coverage of net charge-offs (x) | 11.3720% | 2,249 |
| Efficiency ratio | 73.6439% | 3,188 |
| Assets per employee ($millions) | 3.3973% | 5,096 |
| Cash dividends to net income (ytd only)* | 49.5123% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 1,526 |
| Loan loss allowance to noncurrent loans | 898.4152% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 4,813 |
| Noncurrent loans to loans | 0.2235% | 5,520 |
| Net loans and leases to total assets | 46.5343% | 5,446 |
| Net loans and leases to deposits | 52.2780% | 5,600 |
| Net loans and leases to core deposits | 52.6981% | 5,746 |
| Total domestic deposits to total assets | 89.0130% | 1,613 |
| Equity capital to assets | 8.9790% | 5,057 |
| Core capital (leverage) ratio | 9.2876% | 4,579 |
| Tier 1 risk-based capital ratio | 16.9566% | 2,629 |
| Total risk-based capital ratio | 18.2129% | 2,587 |
| Memoranda: | ||
| Average total assets | $581,940,400 | 1,145 |
| Average earning assets | $526,445,800 | 1,149 |
| Average equity | $53,405,600 | 1,328 |
| Average total loans | $283,509,000 | 1,492 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7143% | 5,123 |
| Cost of funding earning assets | 0.4409% | 4,373 |
| Net interest margin | 3.2734% | 4,738 |
| Noninterest income to average assets | 1.5086% | 640 |
| Noninterest expense to average assets | 3.3999% | 1,828 |
| Loan and lease loss provision to assets | 0.0735% | 3,589 |
| Net operating income to assets | 1.0009% | 2,372 |
| Return on assets (ROA) | 1.0272% | 2,351 |
| Pretax return on assets | 1.0272% | 3,388 |
| Return on Equity (ROE) | 11.1309% | 1,779 |
| Retained earnings to average equity (ytd only) | 5.9436% | 2,448 |
| Net charge-offs to loans | 0.1818% | 2,774 |
| Credit loss provision to net charge-offs | 82.4289% | 2,785 |
| Earnings coverage of net charge-offs (x) | 12.0516% | 2,179 |
| Efficiency ratio | 74.8597% | 2,934 |
| Assets per employee ($millions) | 3.2887% | 5,302 |
| Cash dividends to net income (ytd only)* | 46.6025% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0627% | 1,583 |
| Loan loss allowance to noncurrent loans | 1,390.5213% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 4,855 |
| Noncurrent loans to loans | 0.1483% | 5,876 |
| Net loans and leases to total assets | 48.1357% | 5,331 |
| Net loans and leases to deposits | 53.8632% | 5,550 |
| Net loans and leases to core deposits | 54.4819% | 5,727 |
| Total domestic deposits to total assets | 89.3667% | 1,376 |
| Equity capital to assets | 9.0019% | 5,186 |
| Core capital (leverage) ratio | 9.2579% | 4,740 |
| Tier 1 risk-based capital ratio | 16.8102% | 2,803 |
| Total risk-based capital ratio | 18.0678% | 2,748 |
| Memoranda: | ||
| Average total assets | $578,794,750 | 1,161 |
| Average earning assets | $524,378,250 | 1,169 |
| Average equity | $53,411,500 | 1,343 |
| Average total loans | $283,804,750 | 1,497 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7117% | 5,112 |
| Cost of funding earning assets | 0.4556% | 4,365 |
| Net interest margin | 3.2561% | 4,750 |
| Noninterest income to average assets | 1.5349% | 664 |
| Noninterest expense to average assets | 3.3943% | 1,836 |
| Loan and lease loss provision to assets | 0.1102% | 2,962 |
| Net operating income to assets | 0.9789% | 2,416 |
| Return on assets (ROA) | 1.0183% | 2,374 |
| Pretax return on assets | 1.0183% | 3,422 |
| Return on Equity (ROE) | 10.9457% | 1,829 |
| Retained earnings to average equity (ytd only) | 5.5118% | 2,734 |
| Net charge-offs to loans | 0.0578% | 3,876 |
| Credit loss provision to net charge-offs | 389.0244% | 675 |
| Earnings coverage of net charge-offs (x) | 38.4390% | 956 |
| Efficiency ratio | 74.5588% | 3,019 |
| Assets per employee ($millions) | 3.3924% | 5,081 |
| Cash dividends to net income (ytd only)* | 49.6437% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1871% | 1,450 |
| Loan loss allowance to noncurrent loans | 807.9843% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 4,769 |
| Noncurrent loans to loans | 0.2707% | 5,627 |
| Net loans and leases to total assets | 47.5893% | 5,362 |
| Net loans and leases to deposits | 53.1365% | 5,594 |
| Net loans and leases to core deposits | 53.5712% | 5,782 |
| Total domestic deposits to total assets | 89.5605% | 1,287 |
| Equity capital to assets | 8.8868% | 5,341 |
| Core capital (leverage) ratio | 9.0320% | 4,935 |
| Tier 1 risk-based capital ratio | 16.6171% | 2,881 |
| Total risk-based capital ratio | 17.8776% | 2,843 |
| Memoranda: | ||
| Average total assets | $578,792,000 | 1,162 |
| Average earning assets | $524,131,670 | 1,167 |
| Average equity | $53,847,670 | 1,336 |
| Average total loans | $283,580,000 | 1,499 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 4,875 |
| Cost of funding earning assets | 0.4677% | 4,403 |
| Net interest margin | 3.3165% | 4,459 |
| Noninterest income to average assets | 1.5235% | 665 |
| Noninterest expense to average assets | 3.3660% | 1,913 |
| Loan and lease loss provision to assets | 0.2207% | 1,675 |
| Net operating income to assets | 0.9347% | 2,497 |
| Return on assets (ROA) | 1.0129% | 2,288 |
| Pretax return on assets | 1.0129% | 3,292 |
| Return on Equity (ROE) | 10.6482% | 1,815 |
| Retained earnings to average equity (ytd only) | 6.7206% | 2,301 |
| Net charge-offs to loans | 0.0253% | 3,679 |
| Credit loss provision to net charge-offs | 1,772.2222% | 185 |
| Earnings coverage of net charge-offs (x) | 92.7778% | 414 |
| Efficiency ratio | 73.2517% | 3,404 |
| Assets per employee ($millions) | 3.3013% | 5,427 |
| Cash dividends to net income (ytd only)* | 36.8852% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2017% | 1,583 |
| Loan loss allowance to noncurrent loans | 897.4101% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 4,305 |
| Noncurrent loans to loans | 0.2453% | 5,800 |
| Net loans and leases to total assets | 47.4126% | 5,292 |
| Net loans and leases to deposits | 53.2512% | 5,498 |
| Net loans and leases to core deposits | 53.6860% | 5,694 |
| Total domestic deposits to total assets | 89.0358% | 1,663 |
| Equity capital to assets | 9.4243% | 4,968 |
| Core capital (leverage) ratio | 9.0551% | 4,797 |
| Tier 1 risk-based capital ratio | 16.5092% | 2,997 |
| Total risk-based capital ratio | 17.7737% | 2,944 |
| Memoranda: | ||
| Average total assets | $578,135,500 | 1,170 |
| Average earning assets | $522,597,500 | 1,186 |
| Average equity | $54,995,000 | 1,325 |
| Average total loans | $284,249,500 | 1,491 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 4,277 |
| Cost of funding earning assets | 0.5581% | 4,745 |
| Net interest margin | 3.7209% | 3,555 |
| Noninterest income to average assets | 1.5576% | 647 |
| Noninterest expense to average assets | 3.5494% | 1,719 |
| Loan and lease loss provision to assets | 0.5444% | 1,054 |
| Net operating income to assets | 0.8214% | 3,180 |
| Return on assets (ROA) | 0.8446% | 3,327 |
| Pretax return on assets | 0.8446% | 4,134 |
| Return on Equity (ROE) | 9.0944% | 2,598 |
| Retained earnings to average equity (ytd only) | 3.6967% | 3,613 |
| Net charge-offs to loans | 0.5682% | 2,023 |
| Credit loss provision to net charge-offs | 180.8081% | 1,456 |
| Earnings coverage of net charge-offs (x) | 4.5359% | 3,337 |
| Efficiency ratio | 71.0734% | 3,610 |
| Assets per employee ($millions) | 3.1599% | 5,715 |
| Cash dividends to net income (ytd only)* | 59.3518% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0813% | 1,815 |
| Loan loss allowance to noncurrent loans | 7,066.6667% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 4,430 |
| Noncurrent loans to loans | 0.0295% | 6,443 |
| Net loans and leases to total assets | 48.8302% | 5,327 |
| Net loans and leases to deposits | 54.8854% | 5,564 |
| Net loans and leases to core deposits | 55.5165% | 5,752 |
| Total domestic deposits to total assets | 88.9676% | 1,582 |
| Equity capital to assets | 9.6025% | 4,747 |
| Core capital (leverage) ratio | 8.9490% | 4,972 |
| Tier 1 risk-based capital ratio | 16.5118% | 2,880 |
| Total risk-based capital ratio | 17.7767% | 2,848 |
| Memoranda: | ||
| Average total assets | $558,938,400 | 1,191 |
| Average earning assets | $504,370,200 | 1,202 |
| Average equity | $51,911,200 | 1,370 |
| Average total loans | $296,220,600 | 1,417 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 4,160 |
| Cost of funding earning assets | 0.5877% | 4,768 |
| Net interest margin | 3.7856% | 3,398 |
| Noninterest income to average assets | 1.5545% | 614 |
| Noninterest expense to average assets | 3.6118% | 1,536 |
| Loan and lease loss provision to assets | 0.5547% | 1,038 |
| Net operating income to assets | 0.8055% | 3,423 |
| Return on assets (ROA) | 0.8331% | 3,534 |
| Pretax return on assets | 0.8331% | 4,371 |
| Return on Equity (ROE) | 9.0487% | 2,778 |
| Retained earnings to average equity (ytd only) | 5.4626% | 3,060 |
| Net charge-offs to loans | 0.6154% | 1,790 |
| Credit loss provision to net charge-offs | 167.5362% | 1,657 |
| Earnings coverage of net charge-offs (x) | 4.1080% | 3,403 |
| Efficiency ratio | 71.5085% | 3,411 |
| Assets per employee ($millions) | 3.1340% | 5,772 |
| Cash dividends to net income (ytd only)* | 39.6313% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,538 |
| Loan loss allowance to noncurrent loans | 930.4054% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 4,490 |
| Noncurrent loans to loans | 0.2022% | 6,104 |
| Net loans and leases to total assets | 50.6353% | 5,232 |
| Net loans and leases to deposits | 57.1375% | 5,517 |
| Net loans and leases to core deposits | 57.8026% | 5,746 |
| Total domestic deposits to total assets | 88.6202% | 1,645 |
| Equity capital to assets | 9.7470% | 4,859 |
| Core capital (leverage) ratio | 9.0934% | 4,924 |
| Tier 1 risk-based capital ratio | 16.3389% | 3,092 |
| Total risk-based capital ratio | 17.6035% | 3,047 |
| Memoranda: | ||
| Average total assets | $555,689,750 | 1,214 |
| Average earning assets | $501,640,750 | 1,221 |
| Average equity | $51,159,000 | 1,392 |
| Average total loans | $298,972,750 | 1,416 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 4,082 |
| Cost of funding earning assets | 0.6118% | 4,794 |
| Net interest margin | 3.8143% | 3,296 |
| Noninterest income to average assets | 1.5874% | 588 |
| Noninterest expense to average assets | 3.6304% | 1,511 |
| Loan and lease loss provision to assets | 0.5545% | 1,108 |
| Net operating income to assets | 0.8441% | 3,172 |
| Return on assets (ROA) | 0.8597% | 3,358 |
| Pretax return on assets | 0.8597% | 4,236 |
| Return on Equity (ROE) | 9.5295% | 2,560 |
| Retained earnings to average equity (ytd only) | 5.8455% | 2,803 |
| Net charge-offs to loans | 0.5521% | 1,934 |
| Credit loss provision to net charge-offs | 184.1155% | 1,543 |
| Earnings coverage of net charge-offs (x) | 4.6438% | 3,030 |
| Efficiency ratio | 71.0651% | 3,589 |
| Assets per employee ($millions) | 3.0024% | 6,066 |
| Cash dividends to net income (ytd only)* | 38.6594% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 2,920 |
| Loan loss allowance to noncurrent loans | 159.1732% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 4,284 |
| Noncurrent loans to loans | 1.1187% | 4,281 |
| Net loans and leases to total assets | 52.1044% | 5,083 |
| Net loans and leases to deposits | 58.5590% | 5,390 |
| Net loans and leases to core deposits | 59.2485% | 5,674 |
| Total domestic deposits to total assets | 88.9777% | 1,516 |
| Equity capital to assets | 9.2278% | 5,435 |
| Core capital (leverage) ratio | 8.5310% | 5,612 |
| Tier 1 risk-based capital ratio | 15.2459% | 3,605 |
| Total risk-based capital ratio | 16.5084% | 3,565 |
| Memoranda: | ||
| Average total assets | $551,836,330 | 1,228 |
| Average earning assets | $497,913,670 | 1,237 |
| Average equity | $49,782,000 | 1,430 |
| Average total loans | $301,051,330 | 1,409 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 3,981 |
| Cost of funding earning assets | 0.6335% | 4,864 |
| Net interest margin | 3.8527% | 3,129 |
| Noninterest income to average assets | 1.5868% | 573 |
| Noninterest expense to average assets | 3.6680% | 1,430 |
| Loan and lease loss provision to assets | 0.5520% | 1,062 |
| Net operating income to assets | 0.8350% | 3,218 |
| Return on assets (ROA) | 0.8422% | 3,432 |
| Pretax return on assets | 0.8422% | 4,259 |
| Return on Equity (ROE) | 9.4465% | 2,624 |
| Retained earnings to average equity (ytd only) | 5.6924% | 3,150 |
| Net charge-offs to loans | 0.1134% | 3,441 |
| Credit loss provision to net charge-offs | 880.2326% | 398 |
| Earnings coverage of net charge-offs (x) | 22.1163% | 1,138 |
| Efficiency ratio | 71.4368% | 3,546 |
| Assets per employee ($millions) | 2.9510% | 6,249 |
| Cash dividends to net income (ytd only)* | 39.7403% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 3,105 |
| Loan loss allowance to noncurrent loans | 124.1306% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.2663% | 4,025 |
| Noncurrent loans to loans | 1.4225% | 3,978 |
| Net loans and leases to total assets | 52.8974% | 4,896 |
| Net loans and leases to deposits | 59.0395% | 5,274 |
| Net loans and leases to core deposits | 59.7377% | 5,557 |
| Total domestic deposits to total assets | 89.5967% | 1,304 |
| Equity capital to assets | 8.9146% | 5,620 |
| Core capital (leverage) ratio | 8.2339% | 5,976 |
| Tier 1 risk-based capital ratio | 14.4914% | 4,116 |
| Total risk-based capital ratio | 15.7516% | 4,065 |
| Memoranda: | ||
| Average total assets | $548,533,500 | 1,238 |
| Average earning assets | $493,788,000 | 1,247 |
| Average equity | $48,907,000 | 1,445 |
| Average total loans | $303,453,000 | 1,394 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9624% | 3,064 |
| Cost of funding earning assets | 0.8380% | 4,560 |
| Net interest margin | 4.1244% | 2,333 |
| Noninterest income to average assets | 1.5876% | 538 |
| Noninterest expense to average assets | 3.6585% | 1,623 |
| Loan and lease loss provision to assets | 1.5969% | 443 |
| Net operating income to assets | 0.0610% | 5,942 |
| Return on assets (ROA) | 0.2543% | 5,555 |
| Pretax return on assets | 0.2543% | 5,663 |
| Return on Equity (ROE) | 2.7552% | 5,386 |
| Retained earnings to average equity (ytd only) | -2.5683% | 6,219 |
| Net charge-offs to loans | 2.6372% | 422 |
| Credit loss provision to net charge-offs | 100.3847% | 3,481 |
| Earnings coverage of net charge-offs (x) | 1.0422% | 5,009 |
| Efficiency ratio | 67.1411% | 4,546 |
| Assets per employee ($millions) | 2.8546% | 6,369 |
| Cash dividends to net income (ytd only)* | 193.2166% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 4,120 |
| Loan loss allowance to noncurrent loans | 99.7602% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 3,849 |
| Noncurrent loans to loans | 1.4809% | 3,930 |
| Net loans and leases to total assets | 55.9719% | 4,715 |
| Net loans and leases to deposits | 62.4169% | 5,183 |
| Net loans and leases to core deposits | 63.1906% | 5,543 |
| Total domestic deposits to total assets | 89.6743% | 1,169 |
| Equity capital to assets | 8.9173% | 5,657 |
| Core capital (leverage) ratio | 8.1345% | 6,093 |
| Tier 1 risk-based capital ratio | 13.3981% | 4,772 |
| Total risk-based capital ratio | 14.6536% | 4,737 |
| Memoranda: | ||
| Average total assets | $539,180,200 | 1,230 |
| Average earning assets | $487,463,200 | 1,251 |
| Average equity | $49,759,600 | 1,371 |
| Average total loans | $325,230,400 | 1,305 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 2,888 |
| Cost of funding earning assets | 0.8742% | 4,603 |
| Net interest margin | 4.1663% | 2,220 |
| Noninterest income to average assets | 1.5697% | 535 |
| Noninterest expense to average assets | 3.6770% | 1,544 |
| Loan and lease loss provision to assets | 1.0497% | 802 |
| Net operating income to assets | 0.6190% | 4,012 |
| Return on assets (ROA) | 0.8124% | 3,260 |
| Pretax return on assets | 0.8124% | 4,081 |
| Return on Equity (ROE) | 8.7280% | 2,727 |
| Retained earnings to average equity (ytd only) | 2.6909% | 4,747 |
| Net charge-offs to loans | 1.8393% | 720 |
| Credit loss provision to net charge-offs | 93.2379% | 3,658 |
| Earnings coverage of net charge-offs (x) | 1.4822% | 4,523 |
| Efficiency ratio | 66.9249% | 4,539 |
| Assets per employee ($millions) | 2.9105% | 6,293 |
| Cash dividends to net income (ytd only)* | 69.1698% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 4,789 |
| Loan loss allowance to noncurrent loans | 92.0469% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 4,847 |
| Noncurrent loans to loans | 1.4632% | 4,105 |
| Net loans and leases to total assets | 57.3160% | 4,619 |
| Net loans and leases to deposits | 64.3976% | 5,116 |
| Net loans and leases to core deposits | 65.1299% | 5,509 |
| Total domestic deposits to total assets | 89.0034% | 1,431 |
| Equity capital to assets | 9.4759% | 5,122 |
| Core capital (leverage) ratio | 8.5559% | 5,621 |
| Tier 1 risk-based capital ratio | 14.1352% | 4,247 |
| Total risk-based capital ratio | 15.3904% | 4,216 |
| Memoranda: | ||
| Average total assets | $537,667,500 | 1,239 |
| Average earning assets | $487,299,250 | 1,255 |
| Average equity | $50,044,500 | 1,365 |
| Average total loans | $329,100,000 | 1,295 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0506% | 2,923 |
| Cost of funding earning assets | 0.9110% | 4,578 |
| Net interest margin | 4.1396% | 2,267 |
| Noninterest income to average assets | 1.5991% | 507 |
| Noninterest expense to average assets | 3.8595% | 1,264 |
| Loan and lease loss provision to assets | 0.6886% | 1,382 |
| Net operating income to assets | 0.8049% | 3,049 |
| Return on assets (ROA) | 0.8128% | 3,140 |
| Pretax return on assets | 0.8128% | 3,978 |
| Return on Equity (ROE) | 8.7856% | 2,604 |
| Retained earnings to average equity (ytd only) | 1.8256% | 5,077 |
| Net charge-offs to loans | 0.9570% | 1,636 |
| Credit loss provision to net charge-offs | 115.5820% | 2,648 |
| Earnings coverage of net charge-offs (x) | 2.5069% | 3,568 |
| Efficiency ratio | 70.2396% | 4,064 |
| Assets per employee ($millions) | 2.9274% | 6,242 |
| Cash dividends to net income (ytd only)* | 79.2202% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 4,239 |
| Loan loss allowance to noncurrent loans | 64.1671% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.4609% | 4,030 |
| Noncurrent loans to loans | 2.2990% | 3,103 |
| Net loans and leases to total assets | 58.1510% | 4,594 |
| Net loans and leases to deposits | 65.1558% | 5,118 |
| Net loans and leases to core deposits | 65.8486% | 5,533 |
| Total domestic deposits to total assets | 89.2492% | 1,387 |
| Equity capital to assets | 9.2063% | 5,276 |
| Core capital (leverage) ratio | 8.4178% | 5,683 |
| Tier 1 risk-based capital ratio | 13.7447% | 4,347 |
| Total risk-based capital ratio | 15.0007% | 4,317 |
| Memoranda: | ||
| Average total assets | $536,439,670 | 1,245 |
| Average earning assets | $486,477,000 | 1,259 |
| Average equity | $49,626,670 | 1,360 |
| Average total loans | $333,961,000 | 1,298 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1016% | 2,640 |
| Cost of funding earning assets | 0.9692% | 4,429 |
| Net interest margin | 4.1323% | 2,145 |
| Noninterest income to average assets | 1.6295% | 506 |
| Noninterest expense to average assets | 4.1241% | 895 |
| Loan and lease loss provision to assets | 0.5386% | 1,609 |
| Net operating income to assets | 0.7320% | 3,365 |
| Return on assets (ROA) | 0.7320% | 3,432 |
| Pretax return on assets | 0.7320% | 4,180 |
| Return on Equity (ROE) | 7.8931% | 2,963 |
| Retained earnings to average equity (ytd only) | 0.8797% | 5,477 |
| Net charge-offs to loans | 0.6983% | 1,822 |
| Credit loss provision to net charge-offs | 120.6430% | 2,265 |
| Earnings coverage of net charge-offs (x) | 2.8460% | 2,946 |
| Efficiency ratio | 74.5694% | 3,412 |
| Assets per employee ($millions) | 2.7621% | 6,600 |
| Cash dividends to net income (ytd only)* | 88.8545% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 4,661 |
| Loan loss allowance to noncurrent loans | 73.4761% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.3947% | 4,200 |
| Noncurrent loans to loans | 1.9065% | 3,693 |
| Net loans and leases to total assets | 61.5952% | 3,951 |
| Net loans and leases to deposits | 69.0974% | 4,516 |
| Net loans and leases to core deposits | 69.8349% | 5,061 |
| Total domestic deposits to total assets | 89.1426% | 1,683 |
| Equity capital to assets | 9.2031% | 4,868 |
| Core capital (leverage) ratio | 8.5339% | 5,383 |
| Tier 1 risk-based capital ratio | 13.4758% | 4,436 |
| Total risk-based capital ratio | 14.7287% | 4,413 |
| Memoranda: | ||
| Average total assets | $529,479,500 | 1,279 |
| Average earning assets | $482,440,000 | 1,280 |
| Average equity | $49,106,000 | 1,357 |
| Average total loans | $338,525,500 | 1,291 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5780% | 1,984 |
| Cost of funding earning assets | 1.1215% | 5,016 |
| Net interest margin | 4.4565% | 1,336 |
| Noninterest income to average assets | 1.7715% | 481 |
| Noninterest expense to average assets | 4.1907% | 911 |
| Loan and lease loss provision to assets | 0.7341% | 2,236 |
| Net operating income to assets | 0.8877% | 2,437 |
| Return on assets (ROA) | 0.9667% | 2,263 |
| Pretax return on assets | 0.9667% | 3,041 |
| Return on Equity (ROE) | 9.9843% | 1,933 |
| Retained earnings to average equity (ytd only) | 2.2479% | 4,309 |
| Net charge-offs to loans | 0.5607% | 3,373 |
| Credit loss provision to net charge-offs | 184.9628% | 1,776 |
| Earnings coverage of net charge-offs (x) | 4.0864% | 3,073 |
| Efficiency ratio | 70.4371% | 4,079 |
| Assets per employee ($millions) | 2.7824% | 6,547 |
| Cash dividends to net income (ytd only)* | 77.4857% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 4,898 |
| Loan loss allowance to noncurrent loans | 74.7819% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.2634% | 4,502 |
| Noncurrent loans to loans | 1.7658% | 3,864 |
| Net loans and leases to total assets | 64.5569% | 3,751 |
| Net loans and leases to deposits | 72.5390% | 4,422 |
| Net loans and leases to core deposits | 73.3246% | 5,063 |
| Total domestic deposits to total assets | 88.9961% | 1,663 |
| Equity capital to assets | 9.3467% | 4,625 |
| Core capital (leverage) ratio | 8.6022% | 5,193 |
| Tier 1 risk-based capital ratio | 13.0100% | 4,592 |
| Total risk-based capital ratio | 14.2623% | 4,553 |
| Memoranda: | ||
| Average total assets | $507,699,600 | 1,317 |
| Average earning assets | $460,365,400 | 1,330 |
| Average equity | $49,157,200 | 1,360 |
| Average total loans | $359,340,800 | 1,249 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6672% | 1,822 |
| Cost of funding earning assets | 1.1420% | 5,191 |
| Net interest margin | 4.5253% | 1,205 |
| Noninterest income to average assets | 1.8048% | 451 |
| Noninterest expense to average assets | 4.3021% | 743 |
| Loan and lease loss provision to assets | 0.7338% | 2,085 |
| Net operating income to assets | 0.8705% | 2,729 |
| Return on assets (ROA) | 0.9717% | 2,449 |
| Pretax return on assets | 0.9717% | 3,286 |
| Return on Equity (ROE) | 9.9458% | 2,145 |
| Retained earnings to average equity (ytd only) | 2.8614% | 4,416 |
| Net charge-offs to loans | 0.5558% | 3,089 |
| Credit loss provision to net charge-offs | 182.8930% | 1,991 |
| Earnings coverage of net charge-offs (x) | 3.9987% | 3,225 |
| Efficiency ratio | 71.1921% | 3,853 |
| Assets per employee ($millions) | 2.7180% | 6,751 |
| Cash dividends to net income (ytd only)* | 71.2299% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 5,720 |
| Loan loss allowance to noncurrent loans | 128.2083% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 5,660 |
| Noncurrent loans to loans | 0.8955% | 5,451 |
| Net loans and leases to total assets | 68.8508% | 3,021 |
| Net loans and leases to deposits | 77.9372% | 3,841 |
| Net loans and leases to core deposits | 79.3523% | 4,608 |
| Total domestic deposits to total assets | 88.3414% | 1,767 |
| Equity capital to assets | 9.7281% | 4,502 |
| Core capital (leverage) ratio | 8.8660% | 4,899 |
| Tier 1 risk-based capital ratio | 12.8139% | 4,722 |
| Total risk-based capital ratio | 13.9893% | 4,765 |
| Memoranda: | ||
| Average total assets | $503,155,250 | 1,342 |
| Average earning assets | $456,036,500 | 1,358 |
| Average equity | $49,158,500 | 1,369 |
| Average total loans | $363,167,750 | 1,252 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6817% | 1,828 |
| Cost of funding earning assets | 1.1590% | 5,349 |
| Net interest margin | 4.5227% | 1,160 |
| Noninterest income to average assets | 1.8312% | 402 |
| Noninterest expense to average assets | 4.3213% | 706 |
| Loan and lease loss provision to assets | 0.5818% | 2,446 |
| Net operating income to assets | 1.0197% | 2,122 |
| Return on assets (ROA) | 1.0309% | 2,159 |
| Pretax return on assets | 1.0309% | 3,003 |
| Return on Equity (ROE) | 10.5360% | 1,916 |
| Retained earnings to average equity (ytd only) | 4.2797% | 3,355 |
| Net charge-offs to loans | 0.4563% | 3,168 |
| Credit loss provision to net charge-offs | 174.5803% | 2,242 |
| Earnings coverage of net charge-offs (x) | 4.8058% | 2,837 |
| Efficiency ratio | 71.3081% | 3,941 |
| Assets per employee ($millions) | 2.6175% | 6,917 |
| Cash dividends to net income (ytd only)* | 59.3798% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 6,573 |
| Loan loss allowance to noncurrent loans | 93.7042% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 5,521 |
| Noncurrent loans to loans | 1.0212% | 5,268 |
| Net loans and leases to total assets | 71.4881% | 2,538 |
| Net loans and leases to deposits | 81.2178% | 3,397 |
| Net loans and leases to core deposits | 82.7376% | 4,316 |
| Total domestic deposits to total assets | 88.0202% | 1,992 |
| Equity capital to assets | 9.9072% | 4,131 |
| Core capital (leverage) ratio | 8.8986% | 4,753 |
| Tier 1 risk-based capital ratio | 12.8389% | 4,572 |
| Total risk-based capital ratio | 13.8355% | 4,758 |
| Memoranda: | ||
| Average total assets | $500,545,000 | 1,356 |
| Average earning assets | $452,823,670 | 1,374 |
| Average equity | $48,975,000 | 1,368 |
| Average total loans | $365,589,000 | 1,254 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7250% | 1,683 |
| Cost of funding earning assets | 1.1823% | 5,498 |
| Net interest margin | 4.5427% | 1,058 |
| Noninterest income to average assets | 1.7459% | 423 |
| Noninterest expense to average assets | 4.2401% | 775 |
| Loan and lease loss provision to assets | 0.5527% | 2,290 |
| Net operating income to assets | 1.0590% | 1,970 |
| Return on assets (ROA) | 1.0590% | 2,040 |
| Pretax return on assets | 1.0590% | 2,880 |
| Return on Equity (ROE) | 10.8918% | 1,817 |
| Retained earnings to average equity (ytd only) | 6.6862% | 2,285 |
| Net charge-offs to loans | 0.3207% | 3,128 |
| Credit loss provision to net charge-offs | 234.5763% | 1,631 |
| Earnings coverage of net charge-offs (x) | 6.8407% | 2,163 |
| Efficiency ratio | 70.7930% | 4,157 |
| Assets per employee ($millions) | 2.6776% | 6,905 |
| Cash dividends to net income (ytd only)* | 38.6124% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 6,858 |
| Loan loss allowance to noncurrent loans | 77.4658% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.9080% | 5,340 |
| Noncurrent loans to loans | 1.1530% | 5,060 |
| Net loans and leases to total assets | 71.1513% | 2,664 |
| Net loans and leases to deposits | 80.3118% | 3,603 |
| Net loans and leases to core deposits | 81.7365% | 4,532 |
| Total domestic deposits to total assets | 88.5938% | 1,737 |
| Equity capital to assets | 9.7637% | 4,157 |
| Core capital (leverage) ratio | 8.9120% | 4,713 |
| Tier 1 risk-based capital ratio | 12.6783% | 4,576 |
| Total risk-based capital ratio | 13.6042% | 4,820 |
| Memoranda: | ||
| Average total assets | $500,843,000 | 1,388 |
| Average earning assets | $452,680,000 | 1,399 |
| Average equity | $48,697,000 | 1,379 |
| Average total loans | $367,955,000 | 1,288 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3717% | 885 |
| Cost of funding earning assets | 1.4330% | 5,793 |
| Net interest margin | 4.9387% | 508 |
| Noninterest income to average assets | 1.7023% | 502 |
| Noninterest expense to average assets | 4.2681% | 1,020 |
| Loan and lease loss provision to assets | 0.6638% | 3,155 |
| Net operating income to assets | 1.2324% | 1,169 |
| Return on assets (ROA) | 1.1449% | 1,423 |
| Pretax return on assets | 1.1449% | 2,111 |
| Return on Equity (ROE) | 11.8235% | 1,204 |
| Retained earnings to average equity (ytd only) | 4.4749% | 2,119 |
| Net charge-offs to loans | 0.5021% | 3,766 |
| Credit loss provision to net charge-offs | 172.5438% | 2,459 |
| Earnings coverage of net charge-offs (x) | 4.9288% | 2,747 |
| Efficiency ratio | 67.6157% | 5,077 |
| Assets per employee ($millions) | 2.7379% | 6,789 |
| Cash dividends to net income (ytd only)* | 62.1520% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7559% | 7,245 |
| Loan loss allowance to noncurrent loans | 90.7372% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 5,898 |
| Noncurrent loans to loans | 0.8331% | 5,626 |
| Net loans and leases to total assets | 74.5908% | 2,125 |
| Net loans and leases to deposits | 84.2464% | 3,210 |
| Net loans and leases to core deposits | 98.0854% | 4,213 |
| Total domestic deposits to total assets | 88.5388% | 1,708 |
| Equity capital to assets | 9.6819% | 4,162 |
| Core capital (leverage) ratio | 8.8228% | 4,732 |
| Tier 1 risk-based capital ratio | 12.0385% | 4,919 |
| Total risk-based capital ratio | 12.8264% | 5,276 |
| Memoranda: | ||
| Average total assets | $489,467,000 | 1,415 |
| Average earning assets | $442,220,600 | 1,422 |
| Average equity | $47,397,200 | 1,415 |
| Average total loans | $375,056,200 | 1,281 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4811% | 784 |
| Cost of funding earning assets | 1.4820% | 5,902 |
| Net interest margin | 4.9991% | 442 |
| Noninterest income to average assets | 1.6987% | 509 |
| Noninterest expense to average assets | 4.2328% | 998 |
| Loan and lease loss provision to assets | 0.6450% | 2,823 |
| Net operating income to assets | 1.3427% | 1,136 |
| Return on assets (ROA) | 1.2688% | 1,366 |
| Pretax return on assets | 1.2688% | 2,048 |
| Return on Equity (ROE) | 13.1026% | 1,097 |
| Retained earnings to average equity (ytd only) | 8.9686% | 843 |
| Net charge-offs to loans | 0.4417% | 3,473 |
| Credit loss provision to net charge-offs | 189.6219% | 2,400 |
| Earnings coverage of net charge-offs (x) | 5.8439% | 2,720 |
| Efficiency ratio | 66.4321% | 5,301 |
| Assets per employee ($millions) | 2.6600% | 6,930 |
| Cash dividends to net income (ytd only)* | 31.5506% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 7,384 |
| Loan loss allowance to noncurrent loans | 73.8968% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.8789% | 5,324 |
| Noncurrent loans to loans | 0.9400% | 5,417 |
| Net loans and leases to total assets | 76.1580% | 1,969 |
| Net loans and leases to deposits | 86.2042% | 3,272 |
| Net loans and leases to core deposits | 100.7856% | 4,283 |
| Total domestic deposits to total assets | 88.3461% | 1,496 |
| Equity capital to assets | 10.2617% | 3,776 |
| Core capital (leverage) ratio | 9.0702% | 4,544 |
| Tier 1 risk-based capital ratio | 12.2162% | 4,773 |
| Total risk-based capital ratio | 12.9294% | 5,211 |
| Memoranda: | ||
| Average total assets | $487,261,000 | 1,431 |
| Average earning assets | $440,736,500 | 1,443 |
| Average equity | $47,185,500 | 1,452 |
| Average total loans | $375,192,750 | 1,293 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5077% | 809 |
| Cost of funding earning assets | 1.5284% | 6,025 |
| Net interest margin | 4.9793% | 453 |
| Noninterest income to average assets | 1.6850% | 516 |
| Noninterest expense to average assets | 4.2608% | 1,000 |
| Loan and lease loss provision to assets | 0.6172% | 2,583 |
| Net operating income to assets | 1.3025% | 1,223 |
| Return on assets (ROA) | 1.1878% | 1,593 |
| Pretax return on assets | 1.1878% | 2,336 |
| Return on Equity (ROE) | 12.5123% | 1,283 |
| Retained earnings to average equity (ytd only) | 8.1071% | 1,176 |
| Net charge-offs to loans | 0.3851% | 3,276 |
| Credit loss provision to net charge-offs | 207.8621% | 2,203 |
| Earnings coverage of net charge-offs (x) | 6.4648% | 2,614 |
| Efficiency ratio | 67.3161% | 5,291 |
| Assets per employee ($millions) | 2.6870% | 6,861 |
| Cash dividends to net income (ytd only)* | 35.2069% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5935% | 7,643 |
| Loan loss allowance to noncurrent loans | 60.6314% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 5,523 |
| Noncurrent loans to loans | 0.9788% | 5,251 |
| Net loans and leases to total assets | 76.1268% | 2,153 |
| Net loans and leases to deposits | 86.6737% | 3,427 |
| Net loans and leases to core deposits | 100.2776% | 4,481 |
| Total domestic deposits to total assets | 87.8315% | 1,847 |
| Equity capital to assets | 9.7337% | 4,300 |
| Core capital (leverage) ratio | 8.6793% | 5,129 |
| Tier 1 risk-based capital ratio | 11.6821% | 5,213 |
| Total risk-based capital ratio | 12.2960% | 5,747 |
| Memoranda: | ||
| Average total assets | $488,307,670 | 1,450 |
| Average earning assets | $440,865,000 | 1,463 |
| Average equity | $46,354,330 | 1,485 |
| Average total loans | $376,498,330 | 1,318 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4383% | 979 |
| Cost of funding earning assets | 1.6027% | 6,023 |
| Net interest margin | 4.8356% | 567 |
| Noninterest income to average assets | 1.7673% | 439 |
| Noninterest expense to average assets | 4.2015% | 938 |
| Loan and lease loss provision to assets | 0.5473% | 2,281 |
| Net operating income to assets | 1.3782% | 1,186 |
| Return on assets (ROA) | 1.0592% | 2,240 |
| Pretax return on assets | 1.0592% | 3,149 |
| Return on Equity (ROE) | 11.3044% | 1,883 |
| Retained earnings to average equity (ytd only) | 6.6419% | 2,357 |
| Net charge-offs to loans | 0.2930% | 2,938 |
| Credit loss provision to net charge-offs | 241.4545% | 1,932 |
| Earnings coverage of net charge-offs (x) | 8.4945% | 2,181 |
| Efficiency ratio | 66.9313% | 5,157 |
| Assets per employee ($millions) | 2.5843% | 7,120 |
| Cash dividends to net income (ytd only)* | 41.2451% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4937% | 7,837 |
| Loan loss allowance to noncurrent loans | 94.9795% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 6,285 |
| Noncurrent loans to loans | 0.5198% | 6,128 |
| Net loans and leases to total assets | 76.5048% | 2,160 |
| Net loans and leases to deposits | 87.6012% | 3,355 |
| Net loans and leases to core deposits | 99.7949% | 4,556 |
| Total domestic deposits to total assets | 87.3330% | 2,046 |
| Equity capital to assets | 9.7147% | 4,359 |
| Core capital (leverage) ratio | 8.6158% | 5,307 |
| Tier 1 risk-based capital ratio | 11.4075% | 5,498 |
| Total risk-based capital ratio | 11.9170% | 6,130 |
| Memoranda: | ||
| Average total assets | $485,253,500 | 1,462 |
| Average earning assets | $437,505,000 | 1,484 |
| Average equity | $45,469,000 | 1,515 |
| Average total loans | $375,432,500 | 1,332 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6932% | 2,050 |
| Cost of funding earning assets | 2.1505% | 5,829 |
| Net interest margin | 4.5428% | 1,325 |
| Noninterest income to average assets | 1.7581% | 439 |
| Noninterest expense to average assets | 4.1873% | 1,158 |
| Loan and lease loss provision to assets | 0.4073% | 3,243 |
| Net operating income to assets | 1.2438% | 1,644 |
| Return on assets (ROA) | 0.0990% | 5,961 |
| Pretax return on assets | 0.0939% | 5,958 |
| Return on Equity (ROE) | 1.0880% | 5,890 |
| Retained earnings to average equity (ytd only) | -5.5875% | 6,601 |
| Net charge-offs to loans | 0.4621% | 2,517 |
| Credit loss provision to net charge-offs | 117.7163% | 4,570 |
| Earnings coverage of net charge-offs (x) | 4.7569% | 3,872 |
| Efficiency ratio | 70.0709% | 4,335 |
| Assets per employee ($millions) | 2.4471% | 7,303 |
| Cash dividends to net income (ytd only)* | 613.5802% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3903% | 7,992 |
| Loan loss allowance to noncurrent loans | 73.3233% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 5,964 |
| Noncurrent loans to loans | 0.5323% | 5,760 |
| Net loans and leases to total assets | 77.5548% | 2,247 |
| Net loans and leases to deposits | 91.4384% | 3,227 |
| Net loans and leases to core deposits | 106.4779% | 4,133 |
| Total domestic deposits to total assets | 84.8164% | 2,928 |
| Equity capital to assets | 9.0211% | 5,347 |
| Core capital (leverage) ratio | 7.6830% | 6,961 |
| Tier 1 risk-based capital ratio | 10.0329% | 6,699 |
| Total risk-based capital ratio | 10.4236% | 7,604 |
| Memoranda: | ||
| Average total assets | $490,983,600 | 1,389 |
| Average earning assets | $440,459,800 | 1,416 |
| Average equity | $44,670,800 | 1,509 |
| Average total loans | $367,678,200 | 1,317 |