Home > American Heritage Bank > Performance and Condition Ratios
American Heritage Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 4,176 |
| Cost of funding earning assets | 1.6677% | 2,808 |
| Net interest margin | 2.5149% | 4,016 |
| Noninterest income to average assets | 0.5800% | 1,411 |
| Noninterest expense to average assets | 2.1249% | 3,300 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.8042% | 2,835 |
| Return on assets (ROA) | 0.8042% | 2,838 |
| Pretax return on assets | 0.8280% | 3,128 |
| Return on Equity (ROE) | 9.6500% | 2,421 |
| Retained earnings to average equity (ytd only) | 9.6537% | 1,257 |
| Net charge-offs to loans | 0.1357% | 699 |
| Credit loss provision to net charge-offs | 57.6471% | 1,508 |
| Earnings coverage of net charge-offs (x) | 19.1000% | 1,445 |
| Efficiency ratio | 70.8603% | 1,724 |
| Assets per employee ($millions) | 6.0251% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,224 |
| Loan loss allowance to noncurrent loans | 1,469.8152% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,483 |
| Noncurrent loans to loans | 0.0969% | 3,179 |
| Net loans and leases to total assets | 32.3600% | 4,156 |
| Net loans and leases to deposits | 41.1370% | 4,103 |
| Net loans and leases to core deposits | 46.0006% | 4,063 |
| Total domestic deposits to total assets | 78.6600% | 3,746 |
| Equity capital to assets | 8.2607% | 3,460 |
| Core capital (leverage) ratio | 9.3162% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1087% | 368 |
| Memoranda: | ||
| Average total assets | $1,513,518,000 | 736 |
| Average earning assets | $1,447,236,000 | 702 |
| Average equity | $126,086,500 | 874 |
| Average total loans | $501,024,000 | 1,311 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 4,226 |
| Cost of funding earning assets | 1.7088% | 2,933 |
| Net interest margin | 2.3874% | 4,011 |
| Noninterest income to average assets | 0.6400% | 1,366 |
| Noninterest expense to average assets | 2.0618% | 3,470 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.8154% | 2,651 |
| Return on assets (ROA) | 0.7792% | 2,766 |
| Pretax return on assets | 0.7996% | 3,053 |
| Return on Equity (ROE) | 9.4200% | 2,327 |
| Retained earnings to average equity (ytd only) | 3.8269% | 2,700 |
| Net charge-offs to loans | 0.0724% | 1,408 |
| Credit loss provision to net charge-offs | 111.7647% | 1,749 |
| Earnings coverage of net charge-offs (x) | 36.2269% | 1,414 |
| Efficiency ratio | 70.0560% | 1,983 |
| Assets per employee ($millions) | 5.8924% | 2,961 |
| Cash dividends to net income (ytd only)* | 59.3578% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 1,162 |
| Loan loss allowance to noncurrent loans | 2,332.2581% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,574 |
| Noncurrent loans to loans | 0.0620% | 3,337 |
| Net loans and leases to total assets | 32.9000% | 4,176 |
| Net loans and leases to deposits | 40.6650% | 4,140 |
| Net loans and leases to core deposits | 45.7158% | 4,101 |
| Total domestic deposits to total assets | 80.9100% | 3,427 |
| Equity capital to assets | 8.4022% | 3,276 |
| Core capital (leverage) ratio | 9.3761% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8645% | 379 |
| Memoranda: | ||
| Average total assets | $1,494,923,200 | 736 |
| Average earning assets | $1,429,143,800 | 706 |
| Average equity | $123,704,800 | 861 |
| Average total loans | $493,423,800 | 1,309 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 4,244 |
| Cost of funding earning assets | 1.7160% | 2,919 |
| Net interest margin | 2.3647% | 4,031 |
| Noninterest income to average assets | 0.6500% | 1,305 |
| Noninterest expense to average assets | 2.0314% | 3,487 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.8374% | 2,569 |
| Return on assets (ROA) | 0.7886% | 2,741 |
| Pretax return on assets | 0.8086% | 3,018 |
| Return on Equity (ROE) | 9.5700% | 2,301 |
| Retained earnings to average equity (ytd only) | 4.5456% | 2,640 |
| Net charge-offs to loans | 0.0689% | 1,217 |
| Credit loss provision to net charge-offs | 89.7638% | 1,784 |
| Earnings coverage of net charge-offs (x) | 38.9449% | 1,360 |
| Efficiency ratio | 69.3252% | 2,101 |
| Assets per employee ($millions) | 5.8425% | 2,999 |
| Cash dividends to net income (ytd only)* | 52.4833% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 1,191 |
| Loan loss allowance to noncurrent loans | 3,226.1261% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 3,669 |
| Noncurrent loans to loans | 0.0448% | 3,483 |
| Net loans and leases to total assets | 33.0200% | 4,197 |
| Net loans and leases to deposits | 40.9971% | 4,169 |
| Net loans and leases to core deposits | 46.0783% | 4,125 |
| Total domestic deposits to total assets | 80.5400% | 3,382 |
| Equity capital to assets | 8.7125% | 3,244 |
| Core capital (leverage) ratio | 9.3290% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8527% | 386 |
| Memoranda: | ||
| Average total assets | $1,494,488,000 | 728 |
| Average earning assets | $1,428,893,000 | 700 |
| Average equity | $123,192,750 | 855 |
| Average total loans | $491,860,000 | 1,301 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0266% | 4,264 |
| Cost of funding earning assets | 1.6932% | 2,871 |
| Net interest margin | 2.3334% | 4,056 |
| Noninterest income to average assets | 0.6100% | 1,411 |
| Noninterest expense to average assets | 1.9756% | 3,611 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.8300% | 2,530 |
| Return on assets (ROA) | 0.7607% | 2,771 |
| Pretax return on assets | 0.7851% | 3,032 |
| Return on Equity (ROE) | 9.4000% | 2,338 |
| Retained earnings to average equity (ytd only) | 4.6980% | 2,448 |
| Net charge-offs to loans | 0.0587% | 1,184 |
| Credit loss provision to net charge-offs | 52.0833% | 1,806 |
| Earnings coverage of net charge-offs (x) | 45.0764% | 1,186 |
| Efficiency ratio | 69.1416% | 2,199 |
| Assets per employee ($millions) | 5.8832% | 2,892 |
| Cash dividends to net income (ytd only)* | 50.0438% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,196 |
| Loan loss allowance to noncurrent loans | 3,326.6355% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,654 |
| Noncurrent loans to loans | 0.0439% | 3,457 |
| Net loans and leases to total assets | 31.9300% | 4,234 |
| Net loans and leases to deposits | 39.9211% | 4,201 |
| Net loans and leases to core deposits | 44.7298% | 4,150 |
| Total domestic deposits to total assets | 79.9700% | 3,449 |
| Equity capital to assets | 8.1179% | 3,355 |
| Core capital (leverage) ratio | 9.0597% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1802% | 372 |
| Memoranda: | ||
| Average total assets | $1,499,935,667 | 732 |
| Average earning assets | $1,434,460,667 | 702 |
| Average equity | $121,329,333 | 868 |
| Average total loans | $490,742,667 | 1,306 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 4,288 |
| Cost of funding earning assets | 1.6442% | 2,879 |
| Net interest margin | 2.3201% | 4,082 |
| Noninterest income to average assets | 0.5900% | 1,395 |
| Noninterest expense to average assets | 1.9863% | 3,618 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.7788% | 2,599 |
| Return on assets (ROA) | 0.6427% | 3,054 |
| Pretax return on assets | 0.6747% | 3,219 |
| Return on Equity (ROE) | 7.9600% | 2,703 |
| Retained earnings to average equity (ytd only) | 7.9595% | 1,561 |
| Net charge-offs to loans | -0.0049% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.2366% | 2,129 |
| Assets per employee ($millions) | 5.9134% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,165 |
| Loan loss allowance to noncurrent loans | 2,463.8225% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,620 |
| Noncurrent loans to loans | 0.0596% | 3,334 |
| Net loans and leases to total assets | 31.9700% | 4,241 |
| Net loans and leases to deposits | 39.9163% | 4,182 |
| Net loans and leases to core deposits | 44.5252% | 4,188 |
| Total domestic deposits to total assets | 80.1000% | 3,504 |
| Equity capital to assets | 8.0219% | 3,354 |
| Core capital (leverage) ratio | 9.0934% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9326% | 387 |
| Memoranda: | ||
| Average total assets | $1,496,855,000 | 739 |
| Average earning assets | $1,431,663,000 | 713 |
| Average equity | $120,862,000 | 874 |
| Average total loans | $492,138,000 | 1,299 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6530% | 4,309 |
| Cost of funding earning assets | 1.1258% | 3,001 |
| Net interest margin | 2.5272% | 4,069 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.1509% | 3,250 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8375% | 2,750 |
| Return on assets (ROA) | 0.8357% | 2,737 |
| Pretax return on assets | 0.8599% | 3,068 |
| Return on Equity (ROE) | 11.0400% | 2,212 |
| Retained earnings to average equity (ytd only) | 3.4168% | 3,158 |
| Net charge-offs to loans | 0.0491% | 1,381 |
| Credit loss provision to net charge-offs | 161.0656% | 1,402 |
| Earnings coverage of net charge-offs (x) | 54.0123% | 1,247 |
| Efficiency ratio | 70.4266% | 1,824 |
| Assets per employee ($millions) | 5.6918% | 3,081 |
| Cash dividends to net income (ytd only)* | 69.0493% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 1,179 |
| Loan loss allowance to noncurrent loans | 1,663.8889% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,478 |
| Noncurrent loans to loans | 0.0876% | 3,102 |
| Net loans and leases to total assets | 32.8300% | 4,237 |
| Net loans and leases to deposits | 39.6992% | 4,207 |
| Net loans and leases to core deposits | 44.3809% | 4,198 |
| Total domestic deposits to total assets | 82.6900% | 2,963 |
| Equity capital to assets | 8.1281% | 3,330 |
| Core capital (leverage) ratio | 9.0953% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2152% | 410 |
| Memoranda: | ||
| Average total assets | $1,486,508,000 | 722 |
| Average earning assets | $1,416,056,600 | 696 |
| Average equity | $112,531,800 | 871 |
| Average total loans | $497,331,400 | 1,239 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5967% | 4,311 |
| Cost of funding earning assets | 1.0082% | 3,011 |
| Net interest margin | 2.5885% | 4,045 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.1551% | 3,200 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9053% | 2,660 |
| Return on assets (ROA) | 0.9029% | 2,657 |
| Pretax return on assets | 0.9268% | 3,040 |
| Return on Equity (ROE) | 12.1500% | 2,084 |
| Retained earnings to average equity (ytd only) | 4.3920% | 3,148 |
| Net charge-offs to loans | 0.0500% | 1,175 |
| Credit loss provision to net charge-offs | 210.1604% | 1,090 |
| Earnings coverage of net charge-offs (x) | 57.2246% | 1,232 |
| Efficiency ratio | 68.8304% | 1,927 |
| Assets per employee ($millions) | 5.6675% | 3,051 |
| Cash dividends to net income (ytd only)* | 63.8520% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,191 |
| Loan loss allowance to noncurrent loans | 1,631.7568% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,504 |
| Noncurrent loans to loans | 0.0902% | 3,129 |
| Net loans and leases to total assets | 33.0500% | 4,263 |
| Net loans and leases to deposits | 39.7137% | 4,210 |
| Net loans and leases to core deposits | 43.7643% | 4,177 |
| Total domestic deposits to total assets | 83.2200% | 2,973 |
| Equity capital to assets | 7.4433% | 3,388 |
| Core capital (leverage) ratio | 8.9645% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0533% | 435 |
| Memoranda: | ||
| Average total assets | $1,488,167,500 | 725 |
| Average earning assets | $1,416,898,500 | 696 |
| Average equity | $110,593,250 | 879 |
| Average total loans | $498,411,750 | 1,234 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 4,345 |
| Cost of funding earning assets | 0.8192% | 3,156 |
| Net interest margin | 2.6805% | 3,999 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.1422% | 3,239 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9774% | 2,492 |
| Return on assets (ROA) | 0.9738% | 2,499 |
| Pretax return on assets | 0.9952% | 2,922 |
| Return on Equity (ROE) | 13.1100% | 1,876 |
| Retained earnings to average equity (ytd only) | 5.3837% | 2,829 |
| Net charge-offs to loans | 0.0052% | 2,081 |
| Credit loss provision to net charge-offs | 3,023.0769% | 179 |
| Earnings coverage of net charge-offs (x) | 602.3846% | 244 |
| Efficiency ratio | 66.7785% | 2,143 |
| Assets per employee ($millions) | 5.7216% | 2,949 |
| Cash dividends to net income (ytd only)* | 58.9367% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,229 |
| Loan loss allowance to noncurrent loans | 1,840.9429% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,523 |
| Noncurrent loans to loans | 0.0806% | 3,113 |
| Net loans and leases to total assets | 32.4700% | 4,271 |
| Net loans and leases to deposits | 39.9513% | 4,217 |
| Net loans and leases to core deposits | 43.9861% | 4,176 |
| Total domestic deposits to total assets | 81.2800% | 3,382 |
| Equity capital to assets | 7.4844% | 3,529 |
| Core capital (leverage) ratio | 8.8177% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4459% | 461 |
| Memoranda: | ||
| Average total assets | $1,494,928,667 | 712 |
| Average earning assets | $1,422,106,000 | 684 |
| Average equity | $111,038,000 | 869 |
| Average total loans | $500,432,667 | 1,213 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3614% | 4,401 |
| Cost of funding earning assets | 0.6337% | 3,279 |
| Net interest margin | 2.7276% | 4,038 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.1656% | 3,205 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9920% | 2,558 |
| Return on assets (ROA) | 0.9920% | 2,523 |
| Pretax return on assets | 1.0022% | 2,987 |
| Return on Equity (ROE) | 13.4100% | 1,901 |
| Retained earnings to average equity (ytd only) | 13.4078% | 1,027 |
| Net charge-offs to loans | 0.0192% | 1,292 |
| Credit loss provision to net charge-offs | 958.3333% | 372 |
| Earnings coverage of net charge-offs (x) | 164.4583% | 580 |
| Efficiency ratio | 66.6694% | 2,130 |
| Assets per employee ($millions) | 5.7095% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 1,452 |
| Loan loss allowance to noncurrent loans | 1,166.6667% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 3,338 |
| Noncurrent loans to loans | 0.1237% | 2,894 |
| Net loans and leases to total assets | 32.7000% | 4,303 |
| Net loans and leases to deposits | 39.9988% | 4,221 |
| Net loans and leases to core deposits | 43.9260% | 4,172 |
| Total domestic deposits to total assets | 81.7500% | 3,522 |
| Equity capital to assets | 7.4991% | 3,562 |
| Core capital (leverage) ratio | 8.9792% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3950% | 478 |
| Memoranda: | ||
| Average total assets | $1,484,281,500 | 727 |
| Average earning assets | $1,410,740,500 | 702 |
| Average equity | $109,817,000 | 885 |
| Average total loans | $500,762,000 | 1,224 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9183% | 4,224 |
| Cost of funding earning assets | 0.2761% | 3,081 |
| Net interest margin | 2.6422% | 4,120 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.1570% | 3,138 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 1.0072% | 2,542 |
| Return on assets (ROA) | 0.9887% | 2,558 |
| Pretax return on assets | 1.0221% | 3,008 |
| Return on Equity (ROE) | 13.0800% | 1,784 |
| Retained earnings to average equity (ytd only) | 4.6813% | 3,180 |
| Net charge-offs to loans | 0.0857% | 809 |
| Credit loss provision to net charge-offs | -317.5520% | 4,619 |
| Earnings coverage of net charge-offs (x) | 33.1039% | 1,630 |
| Efficiency ratio | 68.9249% | 1,842 |
| Assets per employee ($millions) | 5.4110% | 3,304 |
| Cash dividends to net income (ytd only)* | 64.2177% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 1,366 |
| Loan loss allowance to noncurrent loans | 1,067.9525% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 3,348 |
| Noncurrent loans to loans | 0.1349% | 2,840 |
| Net loans and leases to total assets | 33.8300% | 4,288 |
| Net loans and leases to deposits | 39.7228% | 4,253 |
| Net loans and leases to core deposits | 43.3990% | 4,197 |
| Total domestic deposits to total assets | 85.1500% | 2,954 |
| Equity capital to assets | 7.2943% | 3,494 |
| Core capital (leverage) ratio | 8.9036% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3761% | 523 |
| Memoranda: | ||
| Average total assets | $1,508,833,400 | 693 |
| Average earning assets | $1,438,911,400 | 675 |
| Average equity | $114,027,000 | 853 |
| Average total loans | $504,976,800 | 1,173 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8360% | 4,151 |
| Cost of funding earning assets | 0.2209% | 3,027 |
| Net interest margin | 2.6151% | 4,078 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.1578% | 3,048 |
| Loan and lease loss provision to assets | -0.1200% | 4,606 |
| Net operating income to assets | 1.0896% | 2,142 |
| Return on assets (ROA) | 1.0896% | 2,107 |
| Pretax return on assets | 1.1250% | 2,644 |
| Return on Equity (ROE) | 14.3000% | 1,349 |
| Retained earnings to average equity (ytd only) | 6.9015% | 2,402 |
| Net charge-offs to loans | 0.0669% | 827 |
| Credit loss provision to net charge-offs | -541.3386% | 4,700 |
| Earnings coverage of net charge-offs (x) | 45.1496% | 1,332 |
| Efficiency ratio | 67.7497% | 2,061 |
| Assets per employee ($millions) | 5.4178% | 3,306 |
| Cash dividends to net income (ytd only)* | 51.7325% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,385 |
| Loan loss allowance to noncurrent loans | 978.3820% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 3,369 |
| Noncurrent loans to loans | 0.1502% | 2,857 |
| Net loans and leases to total assets | 33.6900% | 4,314 |
| Net loans and leases to deposits | 39.9304% | 4,239 |
| Net loans and leases to core deposits | 43.3307% | 4,191 |
| Total domestic deposits to total assets | 84.3600% | 3,412 |
| Equity capital to assets | 6.7472% | 3,640 |
| Core capital (leverage) ratio | 8.6606% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3488% | 534 |
| Memoranda: | ||
| Average total assets | $1,522,153,500 | 698 |
| Average earning assets | $1,454,662,250 | 680 |
| Average equity | $115,990,750 | 855 |
| Average total loans | $506,334,250 | 1,166 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7341% | 4,094 |
| Cost of funding earning assets | 0.1839% | 3,130 |
| Net interest margin | 2.5503% | 4,001 |
| Noninterest income to average assets | 0.6502% | 1,542 |
| Noninterest expense to average assets | 2.1793% | 2,920 |
| Loan and lease loss provision to assets | -0.1786% | 4,669 |
| Net operating income to assets | 1.0537% | 1,959 |
| Return on assets (ROA) | 1.0537% | 1,925 |
| Pretax return on assets | 1.0865% | 2,453 |
| Return on Equity (ROE) | 13.3418% | 1,281 |
| Retained earnings to average equity (ytd only) | 6.2878% | 2,243 |
| Net charge-offs to loans | 0.0496% | 894 |
| Credit loss provision to net charge-offs | -1,091.2698% | 3,559 |
| Earnings coverage of net charge-offs (x) | 55.4921% | 1,111 |
| Efficiency ratio | 70.0976% | 1,945 |
| Assets per employee ($millions) | 5.5752% | 3,149 |
| Cash dividends to net income (ytd only)* | 52.8716% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 1,496 |
| Loan loss allowance to noncurrent loans | 579.5367% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 3,127 |
| Noncurrent loans to loans | 0.2530% | 2,466 |
| Net loans and leases to total assets | 33.2579% | 4,360 |
| Net loans and leases to deposits | 40.0127% | 4,266 |
| Net loans and leases to core deposits | 43.7083% | 4,199 |
| Total domestic deposits to total assets | 83.1184% | 3,860 |
| Equity capital to assets | 6.8678% | 3,836 |
| Core capital (leverage) ratio | 8.3355% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5919% | 576 |
| Memoranda: | ||
| Average total assets | $1,540,127,667 | 685 |
| Average earning assets | $1,471,759,333 | 670 |
| Average equity | $121,632,667 | 830 |
| Average total loans | $507,790,333 | 1,154 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6617% | 4,008 |
| Cost of funding earning assets | 0.1816% | 3,070 |
| Net interest margin | 2.4802% | 3,937 |
| Noninterest income to average assets | 0.5949% | 1,712 |
| Noninterest expense to average assets | 1.9789% | 3,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9516% | 2,068 |
| Return on assets (ROA) | 0.9516% | 2,063 |
| Pretax return on assets | 0.9889% | 2,469 |
| Return on Equity (ROE) | 11.3273% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.3273% | 721 |
| Net charge-offs to loans | 0.0395% | 886 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 76.7400% | 760 |
| Efficiency ratio | 66.1746% | 2,747 |
| Assets per employee ($millions) | 5.9678% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 920 |
| Loan loss allowance to noncurrent loans | 1,136.5482% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,502 |
| Noncurrent loans to loans | 0.1560% | 3,022 |
| Net loans and leases to total assets | 31.7291% | 4,392 |
| Net loans and leases to deposits | 38.5401% | 4,304 |
| Net loans and leases to core deposits | 41.9727% | 4,239 |
| Total domestic deposits to total assets | 82.3274% | 4,039 |
| Equity capital to assets | 7.8053% | 3,725 |
| Core capital (leverage) ratio | 8.2973% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2831% | 537 |
| Memoranda: | ||
| Average total assets | $1,551,965,000 | 680 |
| Average earning assets | $1,484,889,000 | 670 |
| Average equity | $130,375,500 | 789 |
| Average total loans | $505,762,500 | 1,151 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7433% | 4,267 |
| Cost of funding earning assets | 0.2290% | 3,149 |
| Net interest margin | 2.5143% | 4,171 |
| Noninterest income to average assets | 0.6333% | 2,011 |
| Noninterest expense to average assets | 2.1533% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8437% | 3,209 |
| Return on assets (ROA) | 0.9226% | 3,029 |
| Pretax return on assets | 0.9622% | 3,353 |
| Return on Equity (ROE) | 9.7834% | 2,605 |
| Retained earnings to average equity (ytd only) | 3.4636% | 3,428 |
| Net charge-offs to loans | 0.0365% | 1,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 69.6649% | 1,078 |
| Efficiency ratio | 70.4786% | 1,681 |
| Assets per employee ($millions) | 5.7908% | 2,967 |
| Cash dividends to net income (ytd only)* | 64.5975% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 904 |
| Loan loss allowance to noncurrent loans | 855.2707% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,456 |
| Noncurrent loans to loans | 0.2079% | 2,913 |
| Net loans and leases to total assets | 32.2949% | 4,436 |
| Net loans and leases to deposits | 38.8969% | 4,373 |
| Net loans and leases to core deposits | 42.5050% | 4,325 |
| Total domestic deposits to total assets | 83.0268% | 3,801 |
| Equity capital to assets | 9.0050% | 3,613 |
| Core capital (leverage) ratio | 8.3140% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7652% | 574 |
| Memoranda: | ||
| Average total assets | $1,512,058,400 | 680 |
| Average earning assets | $1,443,285,400 | 663 |
| Average equity | $142,598,200 | 747 |
| Average total loans | $522,792,000 | 1,125 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7601% | 4,347 |
| Cost of funding earning assets | 0.2398% | 3,212 |
| Net interest margin | 2.5203% | 4,237 |
| Noninterest income to average assets | 0.6342% | 2,077 |
| Noninterest expense to average assets | 2.0765% | 3,432 |
| Loan and lease loss provision to assets | 0.0022% | 2,928 |
| Net operating income to assets | 0.9183% | 3,184 |
| Return on assets (ROA) | 1.0503% | 2,793 |
| Pretax return on assets | 1.0968% | 3,201 |
| Return on Equity (ROE) | 11.0094% | 2,364 |
| Retained earnings to average equity (ytd only) | 5.1300% | 3,171 |
| Net charge-offs to loans | 0.0319% | 1,424 |
| Credit loss provision to net charge-offs | 19.8413% | 1,991 |
| Earnings coverage of net charge-offs (x) | 86.1349% | 942 |
| Efficiency ratio | 67.8409% | 1,856 |
| Assets per employee ($millions) | 5.6936% | 3,002 |
| Cash dividends to net income (ytd only)* | 53.4036% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 966 |
| Loan loss allowance to noncurrent loans | 669.3157% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 3,463 |
| Noncurrent loans to loans | 0.2663% | 2,857 |
| Net loans and leases to total assets | 32.9776% | 4,508 |
| Net loans and leases to deposits | 40.3189% | 4,440 |
| Net loans and leases to core deposits | 43.9210% | 4,383 |
| Total domestic deposits to total assets | 81.7919% | 3,966 |
| Equity capital to assets | 9.5615% | 3,322 |
| Core capital (leverage) ratio | 8.4145% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2908% | 667 |
| Memoranda: | ||
| Average total assets | $1,504,983,000 | 688 |
| Average earning assets | $1,435,427,250 | 673 |
| Average equity | $143,570,500 | 758 |
| Average total loans | $526,874,250 | 1,142 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7713% | 4,385 |
| Cost of funding earning assets | 0.2526% | 3,259 |
| Net interest margin | 2.5187% | 4,277 |
| Noninterest income to average assets | 0.6192% | 2,132 |
| Noninterest expense to average assets | 2.0408% | 3,572 |
| Loan and lease loss provision to assets | 0.0033% | 2,815 |
| Net operating income to assets | 0.9422% | 3,083 |
| Return on assets (ROA) | 1.1090% | 2,577 |
| Pretax return on assets | 1.1503% | 3,057 |
| Return on Equity (ROE) | 11.6341% | 2,189 |
| Retained earnings to average equity (ytd only) | 6.5284% | 2,612 |
| Net charge-offs to loans | 0.0222% | 1,503 |
| Credit loss provision to net charge-offs | 42.3729% | 1,648 |
| Earnings coverage of net charge-offs (x) | 124.5593% | 656 |
| Efficiency ratio | 67.0433% | 2,005 |
| Assets per employee ($millions) | 5.6237% | 2,992 |
| Cash dividends to net income (ytd only)* | 43.8860% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 979 |
| Loan loss allowance to noncurrent loans | 671.2821% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 3,579 |
| Noncurrent loans to loans | 0.2596% | 3,013 |
| Net loans and leases to total assets | 33.8959% | 4,543 |
| Net loans and leases to deposits | 42.2839% | 4,452 |
| Net loans and leases to core deposits | 46.0692% | 4,394 |
| Total domestic deposits to total assets | 80.1626% | 4,216 |
| Equity capital to assets | 9.4011% | 3,425 |
| Core capital (leverage) ratio | 8.3182% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3782% | 657 |
| Memoranda: | ||
| Average total assets | $1,499,916,000 | 687 |
| Average earning assets | $1,430,108,667 | 669 |
| Average equity | $142,976,333 | 756 |
| Average total loans | $532,360,333 | 1,137 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8458% | 4,320 |
| Cost of funding earning assets | 0.2731% | 3,240 |
| Net interest margin | 2.5728% | 4,198 |
| Noninterest income to average assets | 0.6347% | 2,074 |
| Noninterest expense to average assets | 2.0897% | 3,456 |
| Loan and lease loss provision to assets | 0.0067% | 2,679 |
| Net operating income to assets | 0.9545% | 2,954 |
| Return on assets (ROA) | 1.2609% | 2,021 |
| Pretax return on assets | 1.3093% | 2,544 |
| Return on Equity (ROE) | 13.1348% | 1,637 |
| Retained earnings to average equity (ytd only) | 7.9201% | 2,268 |
| Net charge-offs to loans | 0.0709% | 846 |
| Credit loss provision to net charge-offs | 26.3158% | 1,396 |
| Earnings coverage of net charge-offs (x) | 39.0316% | 985 |
| Efficiency ratio | 67.1980% | 2,042 |
| Assets per employee ($millions) | 5.4386% | 3,176 |
| Cash dividends to net income (ytd only)* | 39.7015% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 1,037 |
| Loan loss allowance to noncurrent loans | 791.5872% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 3,703 |
| Noncurrent loans to loans | 0.2154% | 3,336 |
| Net loans and leases to total assets | 34.9178% | 4,551 |
| Net loans and leases to deposits | 43.7233% | 4,433 |
| Net loans and leases to core deposits | 47.3653% | 4,392 |
| Total domestic deposits to total assets | 79.8610% | 4,223 |
| Equity capital to assets | 9.1446% | 3,546 |
| Core capital (leverage) ratio | 8.4662% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1114% | 575 |
| Memoranda: | ||
| Average total assets | $1,487,859,500 | 684 |
| Average earning assets | $1,417,932,500 | 664 |
| Average equity | $142,826,500 | 745 |
| Average total loans | $535,667,500 | 1,133 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5265% | 3,972 |
| Cost of funding earning assets | 0.4855% | 3,042 |
| Net interest margin | 3.0411% | 3,783 |
| Noninterest income to average assets | 0.6628% | 1,979 |
| Noninterest expense to average assets | 2.4026% | 3,127 |
| Loan and lease loss provision to assets | 0.1951% | 2,004 |
| Net operating income to assets | 0.9033% | 2,678 |
| Return on assets (ROA) | 1.0162% | 2,373 |
| Pretax return on assets | 1.0690% | 2,818 |
| Return on Equity (ROE) | 10.0234% | 1,998 |
| Retained earnings to average equity (ytd only) | 7.0747% | 1,372 |
| Net charge-offs to loans | 0.0879% | 1,583 |
| Credit loss provision to net charge-offs | 548.1557% | 1,181 |
| Earnings coverage of net charge-offs (x) | 32.1824% | 1,548 |
| Efficiency ratio | 67.2319% | 2,335 |
| Assets per employee ($millions) | 5.1371% | 3,242 |
| Cash dividends to net income (ytd only)* | 29.4181% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7153% | 1,006 |
| Loan loss allowance to noncurrent loans | 751.3889% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 3,781 |
| Noncurrent loans to loans | 0.2283% | 3,388 |
| Net loans and leases to total assets | 35.8676% | 4,594 |
| Net loans and leases to deposits | 44.4686% | 4,516 |
| Net loans and leases to core deposits | 48.2477% | 4,480 |
| Total domestic deposits to total assets | 80.6584% | 3,933 |
| Equity capital to assets | 10.0659% | 3,071 |
| Core capital (leverage) ratio | 8.5264% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0787% | 578 |
| Memoranda: | ||
| Average total assets | $1,371,417,200 | 666 |
| Average earning assets | $1,300,991,600 | 651 |
| Average equity | $139,044,200 | 723 |
| Average total loans | $554,954,600 | 1,048 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 3,735 |
| Cost of funding earning assets | 0.5385% | 3,006 |
| Net interest margin | 3.1902% | 3,512 |
| Noninterest income to average assets | 0.6758% | 1,873 |
| Noninterest expense to average assets | 2.4241% | 3,068 |
| Loan and lease loss provision to assets | 0.2425% | 1,678 |
| Net operating income to assets | 0.9853% | 2,390 |
| Return on assets (ROA) | 1.1386% | 1,971 |
| Pretax return on assets | 1.1950% | 2,405 |
| Return on Equity (ROE) | 11.2085% | 1,620 |
| Retained earnings to average equity (ytd only) | 9.9009% | 788 |
| Net charge-offs to loans | 0.0696% | 1,620 |
| Credit loss provision to net charge-offs | 839.0411% | 946 |
| Earnings coverage of net charge-offs (x) | 44.1507% | 1,286 |
| Efficiency ratio | 65.0304% | 2,588 |
| Assets per employee ($millions) | 5.0324% | 3,207 |
| Cash dividends to net income (ytd only)* | 11.6665% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 1,021 |
| Loan loss allowance to noncurrent loans | 327.5456% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 3,418 |
| Noncurrent loans to loans | 0.4974% | 2,568 |
| Net loans and leases to total assets | 38.8661% | 4,599 |
| Net loans and leases to deposits | 48.5402% | 4,536 |
| Net loans and leases to core deposits | 52.7860% | 4,493 |
| Total domestic deposits to total assets | 80.0698% | 3,851 |
| Equity capital to assets | 10.0637% | 3,175 |
| Core capital (leverage) ratio | 8.7368% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2836% | 557 |
| Memoranda: | ||
| Average total assets | $1,346,967,500 | 663 |
| Average earning assets | $1,276,956,500 | 648 |
| Average equity | $136,832,750 | 730 |
| Average total loans | $559,650,750 | 1,038 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 4,259 |
| Cost of funding earning assets | 0.6220% | 2,852 |
| Net interest margin | 2.9820% | 4,166 |
| Noninterest income to average assets | 0.6794% | 1,813 |
| Noninterest expense to average assets | 2.3511% | 3,395 |
| Loan and lease loss provision to assets | 0.1474% | 2,536 |
| Net operating income to assets | 0.9897% | 2,362 |
| Return on assets (ROA) | 1.2294% | 1,672 |
| Pretax return on assets | 1.2787% | 2,104 |
| Return on Equity (ROE) | 12.8841% | 1,129 |
| Retained earnings to average equity (ytd only) | 12.8841% | 371 |
| Net charge-offs to loans | 0.0162% | 2,410 |
| Credit loss provision to net charge-offs | 2,307.6923% | 432 |
| Earnings coverage of net charge-offs (x) | 184.1282% | 480 |
| Efficiency ratio | 66.4778% | 2,443 |
| Assets per employee ($millions) | 4.7699% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,423 |
| Loan loss allowance to noncurrent loans | 266.2212% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 3,449 |
| Noncurrent loans to loans | 0.5433% | 2,546 |
| Net loans and leases to total assets | 37.3931% | 4,689 |
| Net loans and leases to deposits | 48.0924% | 4,591 |
| Net loans and leases to core deposits | 52.2254% | 4,554 |
| Total domestic deposits to total assets | 77.7526% | 4,220 |
| Equity capital to assets | 9.5256% | 3,639 |
| Core capital (leverage) ratio | 8.4340% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9361% | 588 |
| Memoranda: | ||
| Average total assets | $1,220,771,333 | 719 |
| Average earning assets | $1,166,007,667 | 689 |
| Average equity | $116,485,000 | 833 |
| Average total loans | $480,244,667 | 1,153 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,332 |
| Cost of funding earning assets | 0.7593% | 2,611 |
| Net interest margin | 2.9696% | 4,334 |
| Noninterest income to average assets | 0.7255% | 1,547 |
| Noninterest expense to average assets | 2.5596% | 3,100 |
| Loan and lease loss provision to assets | 0.0679% | 2,907 |
| Net operating income to assets | 0.9047% | 2,510 |
| Return on assets (ROA) | 1.1735% | 1,725 |
| Pretax return on assets | 1.2058% | 2,174 |
| Return on Equity (ROE) | 12.2867% | 1,033 |
| Retained earnings to average equity (ytd only) | 12.2867% | 392 |
| Net charge-offs to loans | 0.0356% | 1,700 |
| Credit loss provision to net charge-offs | 476.1905% | 910 |
| Earnings coverage of net charge-offs (x) | 69.8571% | 727 |
| Efficiency ratio | 71.7765% | 2,110 |
| Assets per employee ($millions) | 4.3226% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 1,857 |
| Loan loss allowance to noncurrent loans | 242.9215% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 3,499 |
| Noncurrent loans to loans | 0.5602% | 2,599 |
| Net loans and leases to total assets | 38.8836% | 4,701 |
| Net loans and leases to deposits | 49.8514% | 4,594 |
| Net loans and leases to core deposits | 54.4796% | 4,549 |
| Total domestic deposits to total assets | 77.9989% | 4,221 |
| Equity capital to assets | 9.6676% | 4,070 |
| Core capital (leverage) ratio | 8.7481% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6157% | 788 |
| Memoranda: | ||
| Average total assets | $1,177,678,500 | 708 |
| Average earning assets | $1,122,586,000 | 682 |
| Average equity | $112,479,500 | 854 |
| Average total loans | $472,425,000 | 1,146 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 4,455 |
| Cost of funding earning assets | 0.8596% | 2,380 |
| Net interest margin | 3.0279% | 4,488 |
| Noninterest income to average assets | 0.7817% | 1,508 |
| Noninterest expense to average assets | 2.5618% | 3,284 |
| Loan and lease loss provision to assets | 0.0395% | 3,230 |
| Net operating income to assets | 1.0353% | 2,713 |
| Return on assets (ROA) | 1.0384% | 2,794 |
| Pretax return on assets | 1.0640% | 3,290 |
| Return on Equity (ROE) | 11.3539% | 1,748 |
| Retained earnings to average equity (ytd only) | 0.7478% | 4,472 |
| Net charge-offs to loans | 0.0759% | 2,009 |
| Credit loss provision to net charge-offs | 126.7606% | 2,009 |
| Earnings coverage of net charge-offs (x) | 35.3042% | 1,420 |
| Efficiency ratio | 69.7322% | 2,210 |
| Assets per employee ($millions) | 4.1196% | 3,742 |
| Cash dividends to net income (ytd only)* | 93.4134% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 1,728 |
| Loan loss allowance to noncurrent loans | 367.1321% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 3,783 |
| Noncurrent loans to loans | 0.3662% | 3,136 |
| Net loans and leases to total assets | 40.2951% | 4,725 |
| Net loans and leases to deposits | 50.0206% | 4,687 |
| Net loans and leases to core deposits | 54.6463% | 4,633 |
| Total domestic deposits to total assets | 80.5570% | 3,865 |
| Equity capital to assets | 9.4285% | 4,404 |
| Core capital (leverage) ratio | 8.8158% | 4,659 |
| Tier 1 risk-based capital ratio | 18.8606% | 1,552 |
| Total risk-based capital ratio | 20.0735% | 1,529 |
| Memoranda: | ||
| Average total assets | $1,138,983,600 | 693 |
| Average earning assets | $1,083,528,400 | 672 |
| Average equity | $104,167,000 | 870 |
| Average total loans | $467,444,600 | 1,134 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 4,535 |
| Cost of funding earning assets | 0.8783% | 2,328 |
| Net interest margin | 3.0267% | 4,592 |
| Noninterest income to average assets | 0.7761% | 1,500 |
| Noninterest expense to average assets | 2.4988% | 3,441 |
| Loan and lease loss provision to assets | 0.0440% | 3,028 |
| Net operating income to assets | 1.0850% | 2,633 |
| Return on assets (ROA) | 1.0892% | 2,707 |
| Pretax return on assets | 1.1159% | 3,257 |
| Return on Equity (ROE) | 12.0029% | 1,616 |
| Retained earnings to average equity (ytd only) | 3.2428% | 3,787 |
| Net charge-offs to loans | 0.0568% | 2,017 |
| Credit loss provision to net charge-offs | 188.4422% | 1,386 |
| Earnings coverage of net charge-offs (x) | 49.4969% | 1,205 |
| Efficiency ratio | 68.1553% | 2,387 |
| Assets per employee ($millions) | 4.0872% | 3,780 |
| Cash dividends to net income (ytd only)* | 72.9829% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 1,677 |
| Loan loss allowance to noncurrent loans | 463.1884% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 4,020 |
| Noncurrent loans to loans | 0.2962% | 3,477 |
| Net loans and leases to total assets | 40.8779% | 4,785 |
| Net loans and leases to deposits | 51.3029% | 4,732 |
| Net loans and leases to core deposits | 56.2950% | 4,677 |
| Total domestic deposits to total assets | 79.6795% | 4,054 |
| Equity capital to assets | 9.7646% | 4,244 |
| Core capital (leverage) ratio | 8.8952% | 4,717 |
| Tier 1 risk-based capital ratio | 19.2929% | 1,507 |
| Total risk-based capital ratio | 20.5280% | 1,479 |
| Memoranda: | ||
| Average total assets | $1,136,388,500 | 697 |
| Average earning assets | $1,080,698,000 | 672 |
| Average equity | $103,116,750 | 880 |
| Average total loans | $466,943,750 | 1,139 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 4,591 |
| Cost of funding earning assets | 0.8790% | 2,251 |
| Net interest margin | 2.9998% | 4,688 |
| Noninterest income to average assets | 0.7661% | 1,454 |
| Noninterest expense to average assets | 2.4419% | 3,629 |
| Loan and lease loss provision to assets | 0.0526% | 2,767 |
| Net operating income to assets | 1.0965% | 2,531 |
| Return on assets (ROA) | 1.0965% | 2,599 |
| Pretax return on assets | 1.1256% | 3,155 |
| Return on Equity (ROE) | 12.3938% | 1,448 |
| Retained earnings to average equity (ytd only) | 1.9543% | 4,127 |
| Net charge-offs to loans | 0.0398% | 2,092 |
| Credit loss provision to net charge-offs | 322.5806% | 851 |
| Earnings coverage of net charge-offs (x) | 72.2473% | 874 |
| Efficiency ratio | 67.2302% | 2,653 |
| Assets per employee ($millions) | 4.2134% | 3,556 |
| Cash dividends to net income (ytd only)* | 84.2316% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 1,710 |
| Loan loss allowance to noncurrent loans | 386.9277% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 3,946 |
| Noncurrent loans to loans | 0.3558% | 3,270 |
| Net loans and leases to total assets | 39.8600% | 4,849 |
| Net loans and leases to deposits | 50.5829% | 4,785 |
| Net loans and leases to core deposits | 55.3816% | 4,733 |
| Total domestic deposits to total assets | 78.8013% | 4,254 |
| Equity capital to assets | 9.2121% | 4,640 |
| Core capital (leverage) ratio | 8.6034% | 4,907 |
| Tier 1 risk-based capital ratio | 19.0060% | 1,556 |
| Total risk-based capital ratio | 20.2478% | 1,523 |
| Memoranda: | ||
| Average total assets | $1,140,526,000 | 692 |
| Average earning assets | $1,085,063,000 | 668 |
| Average equity | $100,905,000 | 888 |
| Average total loans | $467,308,330 | 1,138 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8266% | 4,665 |
| Cost of funding earning assets | 0.8641% | 2,186 |
| Net interest margin | 2.9624% | 4,802 |
| Noninterest income to average assets | 0.7128% | 1,566 |
| Noninterest expense to average assets | 2.4059% | 3,760 |
| Loan and lease loss provision to assets | 0.0529% | 2,604 |
| Net operating income to assets | 1.0703% | 2,580 |
| Return on assets (ROA) | 1.0703% | 2,626 |
| Pretax return on assets | 1.0703% | 3,238 |
| Return on Equity (ROE) | 12.3567% | 1,426 |
| Retained earnings to average equity (ytd only) | 6.7263% | 2,149 |
| Net charge-offs to loans | 0.0060% | 2,487 |
| Credit loss provision to net charge-offs | 2,142.8571% | 204 |
| Earnings coverage of net charge-offs (x) | 454.7143% | 170 |
| Efficiency ratio | 67.9432% | 2,650 |
| Assets per employee ($millions) | 4.2228% | 3,591 |
| Cash dividends to net income (ytd only)* | 45.5654% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 1,977 |
| Loan loss allowance to noncurrent loans | 216.8087% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 3,511 |
| Noncurrent loans to loans | 0.6110% | 2,507 |
| Net loans and leases to total assets | 41.0912% | 4,858 |
| Net loans and leases to deposits | 52.4839% | 4,731 |
| Net loans and leases to core deposits | 57.3285% | 4,664 |
| Total domestic deposits to total assets | 78.2930% | 4,469 |
| Equity capital to assets | 8.7870% | 4,833 |
| Core capital (leverage) ratio | 8.8060% | 4,787 |
| Tier 1 risk-based capital ratio | 18.3279% | 1,708 |
| Total risk-based capital ratio | 19.5059% | 1,682 |
| Memoranda: | ||
| Average total assets | $1,133,550,000 | 699 |
| Average earning assets | $1,077,622,500 | 674 |
| Average equity | $98,181,500 | 907 |
| Average total loans | $467,663,500 | 1,143 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 4,698 |
| Cost of funding earning assets | 0.6870% | 2,165 |
| Net interest margin | 2.9882% | 4,810 |
| Noninterest income to average assets | 0.7740% | 1,555 |
| Noninterest expense to average assets | 2.5037% | 3,601 |
| Loan and lease loss provision to assets | 0.0362% | 3,475 |
| Net operating income to assets | 1.0786% | 2,683 |
| Return on assets (ROA) | 1.0924% | 2,627 |
| Pretax return on assets | 1.0924% | 3,298 |
| Return on Equity (ROE) | 11.7052% | 1,817 |
| Retained earnings to average equity (ytd only) | -6.6091% | 5,272 |
| Net charge-offs to loans | -0.0057% | 4,377 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9595% | 2,397 |
| Assets per employee ($millions) | 4.1890% | 3,629 |
| Cash dividends to net income (ytd only)* | 156.4630% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,766 |
| Loan loss allowance to noncurrent loans | 395.4198% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 4,021 |
| Noncurrent loans to loans | 0.3453% | 3,309 |
| Net loans and leases to total assets | 40.2990% | 4,935 |
| Net loans and leases to deposits | 50.2694% | 4,874 |
| Net loans and leases to core deposits | 54.6435% | 4,830 |
| Total domestic deposits to total assets | 80.1661% | 4,067 |
| Equity capital to assets | 8.5315% | 4,911 |
| Core capital (leverage) ratio | 9.0516% | 4,602 |
| Tier 1 risk-based capital ratio | 19.2461% | 1,466 |
| Total risk-based capital ratio | 20.4637% | 1,439 |
| Memoranda: | ||
| Average total assets | $1,104,067,800 | 698 |
| Average earning assets | $1,050,951,200 | 668 |
| Average equity | $103,039,600 | 829 |
| Average total loans | $435,591,400 | 1,170 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6385% | 4,738 |
| Cost of funding earning assets | 0.6502% | 2,151 |
| Net interest margin | 2.9883% | 4,866 |
| Noninterest income to average assets | 0.7709% | 1,576 |
| Noninterest expense to average assets | 2.4383% | 3,764 |
| Loan and lease loss provision to assets | 0.0484% | 3,023 |
| Net operating income to assets | 1.1304% | 2,528 |
| Return on assets (ROA) | 1.1488% | 2,452 |
| Pretax return on assets | 1.1488% | 3,199 |
| Return on Equity (ROE) | 12.0479% | 1,776 |
| Retained earnings to average equity (ytd only) | 6.6009% | 2,335 |
| Net charge-offs to loans | -0.0130% | 4,469 |
| Credit loss provision to net charge-offs | -952.3810% | 4,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1787% | 2,686 |
| Assets per employee ($millions) | 4.1477% | 3,660 |
| Cash dividends to net income (ytd only)* | 45.2113% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,665 |
| Loan loss allowance to noncurrent loans | 411.4191% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 4,089 |
| Noncurrent loans to loans | 0.3422% | 3,429 |
| Net loans and leases to total assets | 40.0090% | 5,026 |
| Net loans and leases to deposits | 50.3604% | 4,943 |
| Net loans and leases to core deposits | 54.8121% | 4,881 |
| Total domestic deposits to total assets | 79.4455% | 4,226 |
| Equity capital to assets | 9.5956% | 3,999 |
| Core capital (leverage) ratio | 10.1434% | 3,477 |
| Tier 1 risk-based capital ratio | 21.7192% | 1,084 |
| Total risk-based capital ratio | 22.9471% | 1,073 |
| Memoranda: | ||
| Average total assets | $1,101,516,000 | 693 |
| Average earning assets | $1,049,117,750 | 669 |
| Average equity | $105,033,500 | 813 |
| Average total loans | $430,674,750 | 1,182 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5783% | 4,801 |
| Cost of funding earning assets | 0.5877% | 2,314 |
| Net interest margin | 2.9906% | 4,891 |
| Noninterest income to average assets | 0.7686% | 1,578 |
| Noninterest expense to average assets | 2.4216% | 3,844 |
| Loan and lease loss provision to assets | 0.0543% | 2,823 |
| Net operating income to assets | 1.1406% | 2,432 |
| Return on assets (ROA) | 1.1509% | 2,392 |
| Pretax return on assets | 1.1509% | 3,128 |
| Return on Equity (ROE) | 12.0947% | 1,689 |
| Retained earnings to average equity (ytd only) | 6.7045% | 2,205 |
| Net charge-offs to loans | 0.0586% | 1,765 |
| Credit loss provision to net charge-offs | 240.0000% | 1,173 |
| Earnings coverage of net charge-offs (x) | 52.8160% | 1,088 |
| Efficiency ratio | 66.7301% | 2,862 |
| Assets per employee ($millions) | 4.0827% | 3,755 |
| Cash dividends to net income (ytd only)* | 44.5668% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 1,915 |
| Loan loss allowance to noncurrent loans | 357.4596% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 4,013 |
| Noncurrent loans to loans | 0.3795% | 3,335 |
| Net loans and leases to total assets | 39.2131% | 5,081 |
| Net loans and leases to deposits | 49.8048% | 4,987 |
| Net loans and leases to core deposits | 53.9586% | 4,938 |
| Total domestic deposits to total assets | 78.7335% | 4,472 |
| Equity capital to assets | 9.4915% | 4,113 |
| Core capital (leverage) ratio | 9.8330% | 3,753 |
| Tier 1 risk-based capital ratio | 21.3762% | 1,114 |
| Total risk-based capital ratio | 22.5511% | 1,107 |
| Memoranda: | ||
| Average total assets | $1,105,072,670 | 692 |
| Average earning assets | $1,052,287,330 | 669 |
| Average equity | $105,153,670 | 811 |
| Average total loans | $426,676,330 | 1,194 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 4,861 |
| Cost of funding earning assets | 0.5498% | 2,405 |
| Net interest margin | 2.9608% | 4,934 |
| Noninterest income to average assets | 0.7037% | 1,812 |
| Noninterest expense to average assets | 2.4491% | 3,819 |
| Loan and lease loss provision to assets | 0.0543% | 2,680 |
| Net operating income to assets | 1.0188% | 2,786 |
| Return on assets (ROA) | 1.0395% | 2,711 |
| Pretax return on assets | 1.0395% | 3,398 |
| Return on Equity (ROE) | 10.9102% | 2,010 |
| Retained earnings to average equity (ytd only) | 5.9645% | 2,722 |
| Net charge-offs to loans | 0.0476% | 1,639 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 59.2600% | 848 |
| Efficiency ratio | 69.2956% | 2,616 |
| Assets per employee ($millions) | 4.0764% | 3,839 |
| Cash dividends to net income (ytd only)* | 45.3310% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,837 |
| Loan loss allowance to noncurrent loans | 369.5734% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 4,183 |
| Noncurrent loans to loans | 0.3794% | 3,423 |
| Net loans and leases to total assets | 37.0898% | 5,172 |
| Net loans and leases to deposits | 47.1536% | 5,070 |
| Net loans and leases to core deposits | 50.5729% | 5,028 |
| Total domestic deposits to total assets | 78.6575% | 4,631 |
| Equity capital to assets | 9.2522% | 4,315 |
| Core capital (leverage) ratio | 9.6709% | 3,880 |
| Tier 1 risk-based capital ratio | 21.9162% | 1,061 |
| Total risk-based capital ratio | 23.1277% | 1,045 |
| Memoranda: | ||
| Average total assets | $1,104,401,000 | 694 |
| Average earning assets | $1,051,342,500 | 671 |
| Average equity | $105,222,500 | 808 |
| Average total loans | $420,101,500 | 1,217 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 4,885 |
| Cost of funding earning assets | 0.4968% | 2,361 |
| Net interest margin | 2.9404% | 4,987 |
| Noninterest income to average assets | 0.7646% | 1,711 |
| Noninterest expense to average assets | 2.4669% | 3,889 |
| Loan and lease loss provision to assets | 0.1000% | 2,225 |
| Net operating income to assets | 0.9951% | 2,269 |
| Return on assets (ROA) | 1.0138% | 2,217 |
| Pretax return on assets | 1.0138% | 3,515 |
| Return on Equity (ROE) | 10.6966% | 1,588 |
| Retained earnings to average equity (ytd only) | 6.4772% | 1,289 |
| Net charge-offs to loans | 0.3966% | 631 |
| Credit loss provision to net charge-offs | 66.6667% | 3,136 |
| Earnings coverage of net charge-offs (x) | 7.3036% | 3,058 |
| Efficiency ratio | 69.0222% | 2,694 |
| Assets per employee ($millions) | 3.9276% | 4,081 |
| Cash dividends to net income (ytd only)* | 39.4461% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,843 |
| Loan loss allowance to noncurrent loans | 249.5045% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 3,839 |
| Noncurrent loans to loans | 0.5526% | 2,840 |
| Net loans and leases to total assets | 37.9398% | 5,224 |
| Net loans and leases to deposits | 46.9708% | 5,167 |
| Net loans and leases to core deposits | 50.2363% | 5,129 |
| Total domestic deposits to total assets | 80.7731% | 4,177 |
| Equity capital to assets | 9.8092% | 3,904 |
| Core capital (leverage) ratio | 9.6612% | 3,858 |
| Tier 1 risk-based capital ratio | 21.7524% | 1,048 |
| Total risk-based capital ratio | 22.9515% | 1,030 |
| Memoranda: | ||
| Average total assets | $1,100,507,400 | 677 |
| Average earning assets | $1,046,982,200 | 646 |
| Average equity | $104,304,200 | 787 |
| Average total loans | $416,075,800 | 1,198 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4074% | 4,957 |
| Cost of funding earning assets | 0.4873% | 2,371 |
| Net interest margin | 2.9201% | 5,064 |
| Noninterest income to average assets | 0.7580% | 1,740 |
| Noninterest expense to average assets | 2.4483% | 3,890 |
| Loan and lease loss provision to assets | 0.0574% | 2,937 |
| Net operating income to assets | 1.0303% | 2,410 |
| Return on assets (ROA) | 1.0552% | 2,341 |
| Pretax return on assets | 1.0552% | 3,475 |
| Return on Equity (ROE) | 11.2309% | 1,595 |
| Retained earnings to average equity (ytd only) | 7.0214% | 1,680 |
| Net charge-offs to loans | 0.3662% | 575 |
| Credit loss provision to net charge-offs | 41.6667% | 2,991 |
| Earnings coverage of net charge-offs (x) | 7.8912% | 2,829 |
| Efficiency ratio | 69.0022% | 2,709 |
| Assets per employee ($millions) | 3.9112% | 4,136 |
| Cash dividends to net income (ytd only)* | 37.4813% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 2,111 |
| Loan loss allowance to noncurrent loans | 217.8887% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 4,022 |
| Noncurrent loans to loans | 0.6204% | 2,850 |
| Net loans and leases to total assets | 37.5531% | 5,285 |
| Net loans and leases to deposits | 46.1343% | 5,253 |
| Net loans and leases to core deposits | 49.7584% | 5,204 |
| Total domestic deposits to total assets | 81.3995% | 3,948 |
| Equity capital to assets | 9.8359% | 4,100 |
| Core capital (leverage) ratio | 9.4166% | 4,270 |
| Tier 1 risk-based capital ratio | 21.1427% | 1,173 |
| Total risk-based capital ratio | 22.2996% | 1,161 |
| Memoranda: | ||
| Average total assets | $1,102,669,250 | 674 |
| Average earning assets | $1,049,024,500 | 649 |
| Average equity | $103,604,500 | 796 |
| Average total loans | $415,084,750 | 1,208 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3713% | 5,002 |
| Cost of funding earning assets | 0.4784% | 2,337 |
| Net interest margin | 2.8929% | 5,110 |
| Noninterest income to average assets | 0.7482% | 1,779 |
| Noninterest expense to average assets | 2.4401% | 3,944 |
| Loan and lease loss provision to assets | 0.0544% | 2,885 |
| Net operating income to assets | 1.0056% | 2,399 |
| Return on assets (ROA) | 1.0430% | 2,277 |
| Pretax return on assets | 1.0430% | 3,396 |
| Return on Equity (ROE) | 11.2770% | 1,541 |
| Retained earnings to average equity (ytd only) | 7.0741% | 1,564 |
| Net charge-offs to loans | 0.2109% | 969 |
| Credit loss provision to net charge-offs | 68.8073% | 2,393 |
| Earnings coverage of net charge-offs (x) | 13.4037% | 2,136 |
| Efficiency ratio | 69.4755% | 2,771 |
| Assets per employee ($millions) | 3.9520% | 4,036 |
| Cash dividends to net income (ytd only)* | 37.2696% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 1,705 |
| Loan loss allowance to noncurrent loans | 214.0393% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 3,915 |
| Noncurrent loans to loans | 0.6842% | 2,703 |
| Net loans and leases to total assets | 37.4617% | 5,319 |
| Net loans and leases to deposits | 46.9165% | 5,255 |
| Net loans and leases to core deposits | 50.6177% | 5,199 |
| Total domestic deposits to total assets | 79.8477% | 4,446 |
| Equity capital to assets | 9.5915% | 4,324 |
| Core capital (leverage) ratio | 9.2462% | 4,439 |
| Tier 1 risk-based capital ratio | 20.5349% | 1,268 |
| Total risk-based capital ratio | 21.7849% | 1,238 |
| Memoranda: | ||
| Average total assets | $1,102,576,000 | 675 |
| Average earning assets | $1,048,858,330 | 649 |
| Average equity | $101,977,670 | 810 |
| Average total loans | $413,490,670 | 1,212 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3618% | 5,013 |
| Cost of funding earning assets | 0.4744% | 2,314 |
| Net interest margin | 2.8874% | 5,112 |
| Noninterest income to average assets | 0.7000% | 1,968 |
| Noninterest expense to average assets | 2.4851% | 3,852 |
| Loan and lease loss provision to assets | 0.0547% | 2,711 |
| Net operating income to assets | 0.9064% | 2,727 |
| Return on assets (ROA) | 0.9677% | 2,496 |
| Pretax return on assets | 0.9677% | 3,503 |
| Return on Equity (ROE) | 10.6632% | 1,683 |
| Retained earnings to average equity (ytd only) | 6.6077% | 2,022 |
| Net charge-offs to loans | 0.3085% | 600 |
| Credit loss provision to net charge-offs | 47.6190% | 2,007 |
| Earnings coverage of net charge-offs (x) | 8.3651% | 2,069 |
| Efficiency ratio | 71.8671% | 2,599 |
| Assets per employee ($millions) | 3.9881% | 4,032 |
| Cash dividends to net income (ytd only)* | 38.0324% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 1,697 |
| Loan loss allowance to noncurrent loans | 274.3669% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 4,245 |
| Noncurrent loans to loans | 0.5459% | 3,178 |
| Net loans and leases to total assets | 36.2407% | 5,390 |
| Net loans and leases to deposits | 45.4124% | 5,321 |
| Net loans and leases to core deposits | 48.8491% | 5,265 |
| Total domestic deposits to total assets | 79.8036% | 4,659 |
| Equity capital to assets | 8.9907% | 4,809 |
| Core capital (leverage) ratio | 9.1435% | 4,549 |
| Tier 1 risk-based capital ratio | 20.6560% | 1,277 |
| Total risk-based capital ratio | 21.9063% | 1,251 |
| Memoranda: | ||
| Average total assets | $1,096,634,000 | 684 |
| Average earning assets | $1,043,007,500 | 658 |
| Average equity | $99,520,000 | 826 |
| Average total loans | $408,385,500 | 1,228 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3630% | 5,052 |
| Cost of funding earning assets | 0.4827% | 2,234 |
| Net interest margin | 2.8803% | 5,169 |
| Noninterest income to average assets | 0.7742% | 1,860 |
| Noninterest expense to average assets | 2.5367% | 3,892 |
| Loan and lease loss provision to assets | 0.0253% | 3,852 |
| Net operating income to assets | 0.9499% | 2,586 |
| Return on assets (ROA) | 0.9680% | 2,601 |
| Pretax return on assets | 0.9680% | 3,589 |
| Return on Equity (ROE) | 10.2154% | 1,874 |
| Retained earnings to average equity (ytd only) | 5.2198% | 2,191 |
| Net charge-offs to loans | -0.0381% | 5,319 |
| Credit loss provision to net charge-offs | -177.1242% | 4,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9797% | 2,589 |
| Assets per employee ($millions) | 3.6987% | 4,477 |
| Cash dividends to net income (ytd only)* | 48.9026% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 1,448 |
| Loan loss allowance to noncurrent loans | 304.5629% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 4,331 |
| Noncurrent loans to loans | 0.5148% | 3,306 |
| Net loans and leases to total assets | 37.1169% | 5,443 |
| Net loans and leases to deposits | 45.0573% | 5,399 |
| Net loans and leases to core deposits | 48.6780% | 5,346 |
| Total domestic deposits to total assets | 82.3772% | 3,969 |
| Equity capital to assets | 9.1631% | 4,630 |
| Core capital (leverage) ratio | 9.3553% | 4,277 |
| Tier 1 risk-based capital ratio | 20.7969% | 1,249 |
| Total risk-based capital ratio | 22.0481% | 1,218 |
| Memoranda: | ||
| Average total assets | $1,073,109,400 | 673 |
| Average earning assets | $1,019,984,800 | 646 |
| Average equity | $101,689,400 | 780 |
| Average total loans | $401,602,400 | 1,201 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3545% | 5,115 |
| Cost of funding earning assets | 0.4842% | 2,220 |
| Net interest margin | 2.8703% | 5,232 |
| Noninterest income to average assets | 0.7668% | 1,903 |
| Noninterest expense to average assets | 2.4988% | 3,987 |
| Loan and lease loss provision to assets | 0.0337% | 3,558 |
| Net operating income to assets | 0.9633% | 2,600 |
| Return on assets (ROA) | 0.9848% | 2,636 |
| Pretax return on assets | 0.9848% | 3,687 |
| Return on Equity (ROE) | 10.3072% | 1,928 |
| Retained earnings to average equity (ytd only) | 5.3051% | 2,623 |
| Net charge-offs to loans | -0.0742% | 5,487 |
| Credit loss provision to net charge-offs | -121.5247% | 4,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2250% | 2,693 |
| Assets per employee ($millions) | 3.7338% | 4,413 |
| Cash dividends to net income (ytd only)* | 48.5304% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 1,496 |
| Loan loss allowance to noncurrent loans | 364.2614% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 4,492 |
| Noncurrent loans to loans | 0.4372% | 3,720 |
| Net loans and leases to total assets | 37.2253% | 5,503 |
| Net loans and leases to deposits | 46.4783% | 5,442 |
| Net loans and leases to core deposits | 50.2058% | 5,377 |
| Total domestic deposits to total assets | 80.0917% | 4,494 |
| Equity capital to assets | 9.8698% | 4,282 |
| Core capital (leverage) ratio | 9.1731% | 4,633 |
| Tier 1 risk-based capital ratio | 20.5080% | 1,351 |
| Total risk-based capital ratio | 21.7593% | 1,320 |
| Memoranda: | ||
| Average total assets | $1,073,233,250 | 667 |
| Average earning assets | $1,020,399,750 | 647 |
| Average equity | $102,540,500 | 776 |
| Average total loans | $400,887,500 | 1,200 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3478% | 5,191 |
| Cost of funding earning assets | 0.4863% | 2,219 |
| Net interest margin | 2.8615% | 5,328 |
| Noninterest income to average assets | 0.7628% | 1,877 |
| Noninterest expense to average assets | 2.5096% | 4,004 |
| Loan and lease loss provision to assets | 0.0504% | 3,140 |
| Net operating income to assets | 0.9234% | 2,754 |
| Return on assets (ROA) | 0.9390% | 2,820 |
| Pretax return on assets | 0.9390% | 3,806 |
| Return on Equity (ROE) | 9.9360% | 2,078 |
| Retained earnings to average equity (ytd only) | 4.6524% | 2,946 |
| Net charge-offs to loans | -0.2428% | 5,843 |
| Credit loss provision to net charge-offs | -55.7613% | 4,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7898% | 2,695 |
| Assets per employee ($millions) | 3.7450% | 4,369 |
| Cash dividends to net income (ytd only)* | 53.1763% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 1,385 |
| Loan loss allowance to noncurrent loans | 306.2873% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 4,498 |
| Noncurrent loans to loans | 0.5405% | 3,454 |
| Net loans and leases to total assets | 36.8883% | 5,564 |
| Net loans and leases to deposits | 46.2529% | 5,491 |
| Net loans and leases to core deposits | 49.9921% | 5,432 |
| Total domestic deposits to total assets | 79.7535% | 4,613 |
| Equity capital to assets | 9.7316% | 4,530 |
| Core capital (leverage) ratio | 8.8806% | 4,961 |
| Tier 1 risk-based capital ratio | 20.3046% | 1,382 |
| Total risk-based capital ratio | 21.5565% | 1,360 |
| Memoranda: | ||
| Average total assets | $1,076,267,000 | 667 |
| Average earning assets | $1,023,235,330 | 641 |
| Average equity | $101,711,330 | 780 |
| Average total loans | $400,337,670 | 1,210 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3428% | 5,235 |
| Cost of funding earning assets | 0.4893% | 2,186 |
| Net interest margin | 2.8536% | 5,391 |
| Noninterest income to average assets | 0.6815% | 2,130 |
| Noninterest expense to average assets | 2.4984% | 4,072 |
| Loan and lease loss provision to assets | 0.0602% | 2,748 |
| Net operating income to assets | 0.8371% | 3,049 |
| Return on assets (ROA) | 0.8587% | 3,069 |
| Pretax return on assets | 0.8587% | 4,010 |
| Return on Equity (ROE) | 9.2232% | 2,313 |
| Retained earnings to average equity (ytd only) | 2.5292% | 4,239 |
| Net charge-offs to loans | 0.1183% | 1,410 |
| Credit loss provision to net charge-offs | 137.2881% | 1,327 |
| Earnings coverage of net charge-offs (x) | 20.4746% | 1,464 |
| Efficiency ratio | 73.3020% | 2,588 |
| Assets per employee ($millions) | 3.6449% | 4,567 |
| Cash dividends to net income (ytd only)* | 72.5779% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 2,037 |
| Loan loss allowance to noncurrent loans | 244.4034% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 4,419 |
| Noncurrent loans to loans | 0.6094% | 3,348 |
| Net loans and leases to total assets | 36.5470% | 5,611 |
| Net loans and leases to deposits | 45.4999% | 5,536 |
| Net loans and leases to core deposits | 49.0986% | 5,476 |
| Total domestic deposits to total assets | 80.3232% | 4,676 |
| Equity capital to assets | 9.3453% | 4,848 |
| Core capital (leverage) ratio | 8.7532% | 5,119 |
| Tier 1 risk-based capital ratio | 20.3993% | 1,424 |
| Total risk-based capital ratio | 21.6498% | 1,397 |
| Memoranda: | ||
| Average total assets | $1,076,994,000 | 670 |
| Average earning assets | $1,024,396,000 | 643 |
| Average equity | $100,269,000 | 794 |
| Average total loans | $398,929,500 | 1,207 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3470% | 5,261 |
| Cost of funding earning assets | 0.4940% | 2,209 |
| Net interest margin | 2.8530% | 5,417 |
| Noninterest income to average assets | 0.7724% | 1,891 |
| Noninterest expense to average assets | 2.5414% | 4,100 |
| Loan and lease loss provision to assets | 0.0600% | 3,100 |
| Net operating income to assets | 0.8860% | 2,948 |
| Return on assets (ROA) | 0.9255% | 2,815 |
| Pretax return on assets | 0.9255% | 3,747 |
| Return on Equity (ROE) | 10.2155% | 1,924 |
| Retained earnings to average equity (ytd only) | 1.2589% | 4,999 |
| Net charge-offs to loans | 0.0659% | 2,914 |
| Credit loss provision to net charge-offs | 249.8054% | 1,159 |
| Earnings coverage of net charge-offs (x) | 39.3774% | 1,196 |
| Efficiency ratio | 72.6210% | 2,806 |
| Assets per employee ($millions) | 3.6819% | 4,506 |
| Cash dividends to net income (ytd only)* | 87.6768% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 2,063 |
| Loan loss allowance to noncurrent loans | 230.0544% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 4,350 |
| Noncurrent loans to loans | 0.6469% | 3,243 |
| Net loans and leases to total assets | 36.4320% | 5,694 |
| Net loans and leases to deposits | 44.1109% | 5,648 |
| Net loans and leases to core deposits | 47.9396% | 5,568 |
| Total domestic deposits to total assets | 82.5917% | 3,980 |
| Equity capital to assets | 9.2748% | 4,817 |
| Core capital (leverage) ratio | 8.8856% | 5,020 |
| Tier 1 risk-based capital ratio | 20.3017% | 1,425 |
| Total risk-based capital ratio | 21.5521% | 1,400 |
| Memoranda: | ||
| Average total assets | $1,069,724,400 | 655 |
| Average earning assets | $1,017,971,600 | 629 |
| Average equity | $96,911,600 | 790 |
| Average total loans | $389,725,800 | 1,184 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3452% | 5,331 |
| Cost of funding earning assets | 0.4976% | 2,233 |
| Net interest margin | 2.8477% | 5,500 |
| Noninterest income to average assets | 0.7669% | 1,944 |
| Noninterest expense to average assets | 2.5007% | 4,190 |
| Loan and lease loss provision to assets | 0.0857% | 2,448 |
| Net operating income to assets | 0.8909% | 3,001 |
| Return on assets (ROA) | 0.9310% | 2,890 |
| Pretax return on assets | 0.9310% | 3,883 |
| Return on Equity (ROE) | 10.3381% | 1,955 |
| Retained earnings to average equity (ytd only) | -0.0083% | 5,596 |
| Net charge-offs to loans | 0.0344% | 3,228 |
| Credit loss provision to net charge-offs | 687.0000% | 492 |
| Earnings coverage of net charge-offs (x) | 78.2600% | 755 |
| Efficiency ratio | 71.6659% | 2,935 |
| Assets per employee ($millions) | 3.6011% | 4,608 |
| Cash dividends to net income (ytd only)* | 100.0804% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 1,931 |
| Loan loss allowance to noncurrent loans | 541.0256% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 5,118 |
| Noncurrent loans to loans | 0.2886% | 4,550 |
| Net loans and leases to total assets | 36.5679% | 5,767 |
| Net loans and leases to deposits | 44.7991% | 5,696 |
| Net loans and leases to core deposits | 49.0297% | 5,612 |
| Total domestic deposits to total assets | 81.6264% | 4,281 |
| Equity capital to assets | 9.2876% | 5,017 |
| Core capital (leverage) ratio | 8.6679% | 5,390 |
| Tier 1 risk-based capital ratio | 20.2739% | 1,487 |
| Total risk-based capital ratio | 21.5250% | 1,457 |
| Memoranda: | ||
| Average total assets | $1,068,377,750 | 661 |
| Average earning assets | $1,016,899,500 | 637 |
| Average equity | $96,211,000 | 798 |
| Average total loans | $387,757,000 | 1,187 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3227% | 5,394 |
| Cost of funding earning assets | 0.4984% | 2,266 |
| Net interest margin | 2.8242% | 5,564 |
| Noninterest income to average assets | 0.7548% | 1,974 |
| Noninterest expense to average assets | 2.4433% | 4,419 |
| Loan and lease loss provision to assets | 0.0699% | 2,707 |
| Net operating income to assets | 0.9301% | 2,732 |
| Return on assets (ROA) | 0.9668% | 2,660 |
| Pretax return on assets | 0.9668% | 3,713 |
| Return on Equity (ROE) | 10.8475% | 1,731 |
| Retained earnings to average equity (ytd only) | -2.6355% | 5,881 |
| Net charge-offs to loans | 0.1154% | 1,846 |
| Credit loss provision to net charge-offs | 168.1614% | 1,418 |
| Earnings coverage of net charge-offs (x) | 24.0538% | 1,582 |
| Efficiency ratio | 70.7201% | 3,210 |
| Assets per employee ($millions) | 3.6144% | 4,601 |
| Cash dividends to net income (ytd only)* | 124.2962% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 2,467 |
| Loan loss allowance to noncurrent loans | 369.8113% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 4,916 |
| Noncurrent loans to loans | 0.3946% | 4,297 |
| Net loans and leases to total assets | 35.4019% | 5,848 |
| Net loans and leases to deposits | 43.9509% | 5,770 |
| Net loans and leases to core deposits | 48.0146% | 5,690 |
| Total domestic deposits to total assets | 80.5488% | 4,731 |
| Equity capital to assets | 8.8527% | 5,388 |
| Core capital (leverage) ratio | 8.2837% | 5,723 |
| Tier 1 risk-based capital ratio | 19.6410% | 1,638 |
| Total risk-based capital ratio | 20.8737% | 1,607 |
| Memoranda: | ||
| Average total assets | $1,072,799,330 | 660 |
| Average earning assets | $1,021,231,330 | 637 |
| Average equity | $95,616,330 | 811 |
| Average total loans | $386,358,670 | 1,192 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3028% | 5,448 |
| Cost of funding earning assets | 0.4975% | 2,305 |
| Net interest margin | 2.8053% | 5,629 |
| Noninterest income to average assets | 0.7111% | 2,123 |
| Noninterest expense to average assets | 2.4460% | 4,462 |
| Loan and lease loss provision to assets | 0.0607% | 2,715 |
| Net operating income to assets | 0.8742% | 2,874 |
| Return on assets (ROA) | 0.8794% | 2,971 |
| Pretax return on assets | 0.8794% | 3,966 |
| Return on Equity (ROE) | 9.8335% | 2,081 |
| Retained earnings to average equity (ytd only) | -12.6544% | 6,188 |
| Net charge-offs to loans | 0.0811% | 1,896 |
| Credit loss provision to net charge-offs | 207.6923% | 1,027 |
| Earnings coverage of net charge-offs (x) | 31.9744% | 1,111 |
| Efficiency ratio | 72.1477% | 3,150 |
| Assets per employee ($millions) | 3.6382% | 4,642 |
| Cash dividends to net income (ytd only)* | 228.6871% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 2,700 |
| Loan loss allowance to noncurrent loans | 300.3209% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 4,924 |
| Noncurrent loans to loans | 0.4816% | 4,132 |
| Net loans and leases to total assets | 34.6026% | 5,900 |
| Net loans and leases to deposits | 43.1503% | 5,792 |
| Net loans and leases to core deposits | 47.3969% | 5,700 |
| Total domestic deposits to total assets | 80.1908% | 5,015 |
| Equity capital to assets | 8.7092% | 5,566 |
| Core capital (leverage) ratio | 8.1909% | 5,814 |
| Tier 1 risk-based capital ratio | 19.9630% | 1,630 |
| Total risk-based capital ratio | 21.2130% | 1,599 |
| Memoranda: | ||
| Average total assets | $1,067,043,500 | 665 |
| Average earning assets | $1,015,504,000 | 632 |
| Average equity | $95,429,000 | 810 |
| Average total loans | $384,762,500 | 1,204 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4050% | 5,518 |
| Cost of funding earning assets | 0.4945% | 2,719 |
| Net interest margin | 2.9105% | 5,619 |
| Noninterest income to average assets | 0.7795% | 1,952 |
| Noninterest expense to average assets | 2.5697% | 4,326 |
| Loan and lease loss provision to assets | 0.0634% | 3,249 |
| Net operating income to assets | 0.9123% | 2,817 |
| Return on assets (ROA) | 0.9565% | 2,677 |
| Pretax return on assets | 0.9565% | 3,659 |
| Return on Equity (ROE) | 10.9231% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.3786% | 1,719 |
| Net charge-offs to loans | 0.2656% | 1,623 |
| Credit loss provision to net charge-offs | 64.1658% | 3,200 |
| Earnings coverage of net charge-offs (x) | 9.8776% | 2,686 |
| Efficiency ratio | 72.2875% | 3,156 |
| Assets per employee ($millions) | 3.4732% | 4,942 |
| Cash dividends to net income (ytd only)* | 41.6046% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 2,689 |
| Loan loss allowance to noncurrent loans | 289.4819% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 5,201 |
| Noncurrent loans to loans | 0.5013% | 4,162 |
| Net loans and leases to total assets | 36.5410% | 5,928 |
| Net loans and leases to deposits | 44.9411% | 5,847 |
| Net loans and leases to core deposits | 48.4332% | 5,792 |
| Total domestic deposits to total assets | 81.3085% | 4,653 |
| Equity capital to assets | 9.1952% | 5,081 |
| Core capital (leverage) ratio | 8.6865% | 5,361 |
| Tier 1 risk-based capital ratio | 20.6323% | 1,487 |
| Total risk-based capital ratio | 21.8829% | 1,456 |
| Memoranda: | ||
| Average total assets | $1,025,533,400 | 657 |
| Average earning assets | $974,575,800 | 626 |
| Average equity | $89,800,400 | 816 |
| Average total loans | $381,350,600 | 1,162 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 5,597 |
| Cost of funding earning assets | 0.5001% | 2,762 |
| Net interest margin | 2.8973% | 5,706 |
| Noninterest income to average assets | 0.7725% | 2,007 |
| Noninterest expense to average assets | 2.5586% | 4,324 |
| Loan and lease loss provision to assets | 0.0585% | 3,200 |
| Net operating income to assets | 0.9083% | 2,877 |
| Return on assets (ROA) | 0.9672% | 2,676 |
| Pretax return on assets | 0.9672% | 3,730 |
| Return on Equity (ROE) | 11.1864% | 1,719 |
| Retained earnings to average equity (ytd only) | 7.0233% | 1,811 |
| Net charge-offs to loans | 0.2828% | 1,389 |
| Credit loss provision to net charge-offs | 55.6242% | 3,017 |
| Earnings coverage of net charge-offs (x) | 9.1867% | 2,699 |
| Efficiency ratio | 72.3801% | 3,114 |
| Assets per employee ($millions) | 3.4194% | 5,016 |
| Cash dividends to net income (ytd only)* | 37.2158% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 2,921 |
| Loan loss allowance to noncurrent loans | 356.2420% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 5,499 |
| Noncurrent loans to loans | 0.4085% | 4,677 |
| Net loans and leases to total assets | 36.7870% | 6,001 |
| Net loans and leases to deposits | 45.7198% | 5,885 |
| Net loans and leases to core deposits | 49.6014% | 5,810 |
| Total domestic deposits to total assets | 80.4620% | 4,973 |
| Equity capital to assets | 9.2171% | 5,130 |
| Core capital (leverage) ratio | 8.5249% | 5,636 |
| Tier 1 risk-based capital ratio | 20.5988% | 1,530 |
| Total risk-based capital ratio | 21.8495% | 1,493 |
| Memoranda: | ||
| Average total assets | $1,024,897,000 | 655 |
| Average earning assets | $973,843,000 | 618 |
| Average equity | $88,617,000 | 834 |
| Average total loans | $381,387,750 | 1,166 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3859% | 5,653 |
| Cost of funding earning assets | 0.5029% | 2,806 |
| Net interest margin | 2.8830% | 5,766 |
| Noninterest income to average assets | 0.7695% | 1,963 |
| Noninterest expense to average assets | 2.6132% | 4,194 |
| Loan and lease loss provision to assets | 0.0584% | 3,118 |
| Net operating income to assets | 0.8344% | 3,153 |
| Return on assets (ROA) | 0.9045% | 2,882 |
| Pretax return on assets | 0.9045% | 3,875 |
| Return on Equity (ROE) | 10.6944% | 1,846 |
| Retained earnings to average equity (ytd only) | 6.6552% | 1,947 |
| Net charge-offs to loans | 0.3039% | 1,330 |
| Credit loss provision to net charge-offs | 51.7241% | 2,771 |
| Earnings coverage of net charge-offs (x) | 7.9034% | 2,563 |
| Efficiency ratio | 74.3403% | 2,916 |
| Assets per employee ($millions) | 3.4871% | 4,876 |
| Cash dividends to net income (ytd only)* | 37.7692% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 3,030 |
| Loan loss allowance to noncurrent loans | 334.2262% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 5,501 |
| Noncurrent loans to loans | 0.4397% | 4,666 |
| Net loans and leases to total assets | 36.2264% | 6,037 |
| Net loans and leases to deposits | 45.6526% | 5,899 |
| Net loans and leases to core deposits | 49.5478% | 5,822 |
| Total domestic deposits to total assets | 79.3522% | 5,375 |
| Equity capital to assets | 8.8290% | 5,495 |
| Core capital (leverage) ratio | 8.2489% | 5,890 |
| Tier 1 risk-based capital ratio | 19.9460% | 1,701 |
| Total risk-based capital ratio | 21.1968% | 1,670 |
| Memoranda: | ||
| Average total assets | $1,026,869,000 | 651 |
| Average earning assets | $974,679,000 | 615 |
| Average equity | $86,849,000 | 845 |
| Average total loans | $381,720,670 | 1,151 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4049% | 5,633 |
| Cost of funding earning assets | 0.5104% | 2,802 |
| Net interest margin | 2.8946% | 5,765 |
| Noninterest income to average assets | 0.7261% | 2,050 |
| Noninterest expense to average assets | 2.7192% | 3,874 |
| Loan and lease loss provision to assets | 0.0588% | 2,943 |
| Net operating income to assets | 0.6952% | 3,717 |
| Return on assets (ROA) | 0.6952% | 3,793 |
| Pretax return on assets | 0.6952% | 4,505 |
| Return on Equity (ROE) | 8.4076% | 2,732 |
| Retained earnings to average equity (ytd only) | 4.4171% | 3,476 |
| Net charge-offs to loans | 0.1939% | 1,570 |
| Credit loss provision to net charge-offs | 81.0811% | 1,889 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,863 |
| Efficiency ratio | 78.0887% | 2,463 |
| Assets per employee ($millions) | 3.4124% | 5,127 |
| Cash dividends to net income (ytd only)* | 47.4634% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 2,947 |
| Loan loss allowance to noncurrent loans | 452.1605% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 5,793 |
| Noncurrent loans to loans | 0.3418% | 5,088 |
| Net loans and leases to total assets | 35.8665% | 6,075 |
| Net loans and leases to deposits | 45.3315% | 5,899 |
| Net loans and leases to core deposits | 49.2214% | 5,812 |
| Total domestic deposits to total assets | 79.1205% | 5,664 |
| Equity capital to assets | 8.3245% | 5,806 |
| Core capital (leverage) ratio | 8.1197% | 6,021 |
| Tier 1 risk-based capital ratio | 19.7616% | 1,776 |
| Total risk-based capital ratio | 21.0134% | 1,745 |
| Memoranda: | ||
| Average total assets | $1,020,726,000 | 658 |
| Average earning assets | $968,715,000 | 628 |
| Average equity | $84,400,000 | 872 |
| Average total loans | $381,549,500 | 1,154 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5203% | 5,602 |
| Cost of funding earning assets | 0.5394% | 3,201 |
| Net interest margin | 2.9809% | 5,622 |
| Noninterest income to average assets | 0.7986% | 2,086 |
| Noninterest expense to average assets | 2.6275% | 4,362 |
| Loan and lease loss provision to assets | 0.1045% | 3,053 |
| Net operating income to assets | 0.9069% | 2,742 |
| Return on assets (ROA) | 1.0111% | 2,340 |
| Pretax return on assets | 1.0043% | 3,332 |
| Return on Equity (ROE) | 12.3073% | 1,325 |
| Retained earnings to average equity (ytd only) | 6.7721% | 1,542 |
| Net charge-offs to loans | 0.2467% | 2,498 |
| Credit loss provision to net charge-offs | 110.0629% | 2,185 |
| Earnings coverage of net charge-offs (x) | 10.5807% | 2,346 |
| Efficiency ratio | 72.1332% | 3,451 |
| Assets per employee ($millions) | 3.3921% | 5,109 |
| Cash dividends to net income (ytd only)* | 44.9749% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 3,032 |
| Loan loss allowance to noncurrent loans | 554.5626% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 5,928 |
| Noncurrent loans to loans | 0.2769% | 5,344 |
| Net loans and leases to total assets | 37.7799% | 6,111 |
| Net loans and leases to deposits | 46.7713% | 5,962 |
| Net loans and leases to core deposits | 50.6383% | 5,895 |
| Total domestic deposits to total assets | 80.7757% | 5,247 |
| Equity capital to assets | 8.2105% | 5,866 |
| Core capital (leverage) ratio | 8.3041% | 5,871 |
| Tier 1 risk-based capital ratio | 19.6150% | 1,750 |
| Total risk-based capital ratio | 20.8668% | 1,716 |
| Memoranda: | ||
| Average total assets | $1,004,788,000 | 654 |
| Average earning assets | $955,129,800 | 623 |
| Average equity | $82,544,200 | 864 |
| Average total loans | $386,750,200 | 1,103 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 5,698 |
| Cost of funding earning assets | 0.5473% | 3,291 |
| Net interest margin | 2.9475% | 5,701 |
| Noninterest income to average assets | 0.7849% | 2,228 |
| Noninterest expense to average assets | 2.5746% | 4,479 |
| Loan and lease loss provision to assets | 0.1326% | 2,625 |
| Net operating income to assets | 0.8893% | 2,890 |
| Return on assets (ROA) | 1.0268% | 2,353 |
| Pretax return on assets | 1.0178% | 3,434 |
| Return on Equity (ROE) | 12.4972% | 1,353 |
| Retained earnings to average equity (ytd only) | 6.9924% | 1,878 |
| Net charge-offs to loans | 0.2825% | 2,130 |
| Credit loss provision to net charge-offs | 121.8027% | 1,936 |
| Earnings coverage of net charge-offs (x) | 9.3069% | 2,502 |
| Efficiency ratio | 71.5516% | 3,498 |
| Assets per employee ($millions) | 3.3786% | 5,107 |
| Cash dividends to net income (ytd only)* | 44.0486% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 3,272 |
| Loan loss allowance to noncurrent loans | 751.0050% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 6,030 |
| Noncurrent loans to loans | 0.2051% | 5,730 |
| Net loans and leases to total assets | 38.3338% | 6,154 |
| Net loans and leases to deposits | 48.3133% | 5,940 |
| Net loans and leases to core deposits | 52.4539% | 5,863 |
| Total domestic deposits to total assets | 79.3442% | 5,667 |
| Equity capital to assets | 8.0888% | 6,085 |
| Core capital (leverage) ratio | 8.0695% | 6,179 |
| Tier 1 risk-based capital ratio | 19.3457% | 1,895 |
| Total risk-based capital ratio | 20.5979% | 1,864 |
| Memoranda: | ||
| Average total assets | $1,005,818,000 | 657 |
| Average earning assets | $956,356,750 | 625 |
| Average equity | $82,640,250 | 865 |
| Average total loans | $387,451,250 | 1,106 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5312% | 5,627 |
| Cost of funding earning assets | 0.5542% | 3,370 |
| Net interest margin | 2.9771% | 5,622 |
| Noninterest income to average assets | 0.7710% | 2,319 |
| Noninterest expense to average assets | 2.5534% | 4,554 |
| Loan and lease loss provision to assets | 0.1487% | 2,476 |
| Net operating income to assets | 0.9141% | 2,723 |
| Return on assets (ROA) | 1.1147% | 1,997 |
| Pretax return on assets | 1.1012% | 3,091 |
| Return on Equity (ROE) | 13.4983% | 1,125 |
| Retained earnings to average equity (ytd only) | 8.4452% | 1,315 |
| Net charge-offs to loans | 0.3393% | 1,827 |
| Credit loss provision to net charge-offs | 114.1553% | 1,937 |
| Earnings coverage of net charge-offs (x) | 8.0563% | 2,461 |
| Efficiency ratio | 70.6708% | 3,699 |
| Assets per employee ($millions) | 3.4627% | 4,933 |
| Cash dividends to net income (ytd only)* | 37.4355% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 3,511 |
| Loan loss allowance to noncurrent loans | 340.3813% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 5,867 |
| Noncurrent loans to loans | 0.4457% | 5,148 |
| Net loans and leases to total assets | 37.4456% | 6,210 |
| Net loans and leases to deposits | 48.1374% | 5,975 |
| Net loans and leases to core deposits | 52.5553% | 5,846 |
| Total domestic deposits to total assets | 77.7889% | 6,012 |
| Equity capital to assets | 8.1856% | 6,065 |
| Core capital (leverage) ratio | 7.8728% | 6,264 |
| Tier 1 risk-based capital ratio | 19.1636% | 1,947 |
| Total risk-based capital ratio | 20.4156% | 1,919 |
| Memoranda: | ||
| Average total assets | $1,008,865,330 | 654 |
| Average earning assets | $959,605,000 | 627 |
| Average equity | $83,314,000 | 861 |
| Average total loans | $387,254,330 | 1,102 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5914% | 5,472 |
| Cost of funding earning assets | 0.5627% | 3,457 |
| Net interest margin | 3.0287% | 5,489 |
| Noninterest income to average assets | 0.6950% | 2,616 |
| Noninterest expense to average assets | 2.6568% | 4,222 |
| Loan and lease loss provision to assets | 0.1496% | 2,377 |
| Net operating income to assets | 0.7704% | 3,328 |
| Return on assets (ROA) | 0.8267% | 3,156 |
| Pretax return on assets | 0.8267% | 4,054 |
| Return on Equity (ROE) | 9.9660% | 2,073 |
| Retained earnings to average equity (ytd only) | 5.0455% | 3,205 |
| Net charge-offs to loans | 0.1914% | 2,267 |
| Credit loss provision to net charge-offs | 202.7027% | 1,074 |
| Earnings coverage of net charge-offs (x) | 12.4649% | 1,596 |
| Efficiency ratio | 74.0993% | 3,248 |
| Assets per employee ($millions) | 3.2748% | 5,490 |
| Cash dividends to net income (ytd only)* | 49.3726% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,754 |
| Loan loss allowance to noncurrent loans | 341.2536% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 5,755 |
| Noncurrent loans to loans | 0.4442% | 5,310 |
| Net loans and leases to total assets | 37.4836% | 6,185 |
| Net loans and leases to deposits | 47.6774% | 5,943 |
| Net loans and leases to core deposits | 51.7172% | 5,844 |
| Total domestic deposits to total assets | 78.6192% | 6,029 |
| Equity capital to assets | 8.2905% | 6,191 |
| Core capital (leverage) ratio | 7.6709% | 6,372 |
| Tier 1 risk-based capital ratio | 18.7955% | 2,096 |
| Total risk-based capital ratio | 20.0481% | 2,072 |
| Memoranda: | ||
| Average total assets | $1,002,548,500 | 666 |
| Average earning assets | $953,942,000 | 634 |
| Average equity | $83,163,000 | 876 |
| Average total loans | $386,682,500 | 1,106 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7274% | 6,004 |
| Cost of funding earning assets | 0.6560% | 3,863 |
| Net interest margin | 3.0714% | 5,883 |
| Noninterest income to average assets | 0.7832% | 2,337 |
| Noninterest expense to average assets | 2.4578% | 5,229 |
| Loan and lease loss provision to assets | 0.1496% | 3,737 |
| Net operating income to assets | 1.1083% | 1,915 |
| Return on assets (ROA) | 1.1372% | 1,983 |
| Pretax return on assets | 1.1372% | 3,026 |
| Return on Equity (ROE) | 11.2044% | 1,739 |
| Retained earnings to average equity (ytd only) | -35.9425% | 6,965 |
| Net charge-offs to loans | 0.1753% | 3,975 |
| Credit loss provision to net charge-offs | 215.6690% | 1,177 |
| Earnings coverage of net charge-offs (x) | 18.1356% | 1,457 |
| Efficiency ratio | 65.9305% | 4,518 |
| Assets per employee ($millions) | 3.5163% | 4,977 |
| Cash dividends to net income (ytd only)* | 420.7881% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 3,601 |
| Loan loss allowance to noncurrent loans | 308.7859% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 5,841 |
| Noncurrent loans to loans | 0.4965% | 5,293 |
| Net loans and leases to total assets | 38.5172% | 6,264 |
| Net loans and leases to deposits | 46.9036% | 6,182 |
| Net loans and leases to core deposits | 50.7515% | 6,104 |
| Total domestic deposits to total assets | 82.1198% | 5,055 |
| Equity capital to assets | 8.3002% | 6,199 |
| Core capital (leverage) ratio | 7.8326% | 6,326 |
| Tier 1 risk-based capital ratio | 18.2728% | 2,179 |
| Total risk-based capital ratio | 19.5253% | 2,135 |
| Memoranda: | ||
| Average total assets | $818,948,200 | 805 |
| Average earning assets | $781,888,000 | 764 |
| Average equity | $83,118,800 | 846 |
| Average total loans | $324,003,400 | 1,300 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 5,846 |
| Cost of funding earning assets | 0.6991% | 3,775 |
| Net interest margin | 3.1744% | 5,757 |
| Noninterest income to average assets | 0.7954% | 2,262 |
| Noninterest expense to average assets | 2.4850% | 5,130 |
| Loan and lease loss provision to assets | 0.1833% | 3,298 |
| Net operating income to assets | 1.1612% | 1,865 |
| Return on assets (ROA) | 1.1794% | 1,993 |
| Pretax return on assets | 1.1794% | 3,065 |
| Return on Equity (ROE) | 11.0010% | 1,962 |
| Retained earnings to average equity (ytd only) | 5.9005% | 2,761 |
| Net charge-offs to loans | 0.1370% | 4,020 |
| Credit loss provision to net charge-offs | 336.9906% | 789 |
| Earnings coverage of net charge-offs (x) | 24.7180% | 1,268 |
| Efficiency ratio | 64.6244% | 4,693 |
| Assets per employee ($millions) | 3.3268% | 5,377 |
| Cash dividends to net income (ytd only)* | 46.3640% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9384% | 2,363 |
| Loan loss allowance to noncurrent loans | 223.6633% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 5,759 |
| Noncurrent loans to loans | 0.8666% | 4,687 |
| Net loans and leases to total assets | 37.6852% | 6,435 |
| Net loans and leases to deposits | 49.3173% | 6,164 |
| Net loans and leases to core deposits | 53.2218% | 6,101 |
| Total domestic deposits to total assets | 76.4138% | 6,327 |
| Equity capital to assets | 10.9262% | 3,351 |
| Core capital (leverage) ratio | 10.2455% | 3,231 |
| Tier 1 risk-based capital ratio | 24.5576% | 947 |
| Total risk-based capital ratio | 25.8145% | 941 |
| Memoranda: | ||
| Average total assets | $781,937,250 | 855 |
| Average earning assets | $747,373,000 | 808 |
| Average equity | $83,833,000 | 836 |
| Average total loans | $310,440,000 | 1,360 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 5,875 |
| Cost of funding earning assets | 0.7171% | 3,881 |
| Net interest margin | 3.1974% | 5,747 |
| Noninterest income to average assets | 0.8086% | 2,143 |
| Noninterest expense to average assets | 2.5313% | 5,032 |
| Loan and lease loss provision to assets | 0.1926% | 3,164 |
| Net operating income to assets | 1.1366% | 1,925 |
| Return on assets (ROA) | 1.1612% | 2,048 |
| Pretax return on assets | 1.1612% | 3,079 |
| Return on Equity (ROE) | 10.9018% | 2,020 |
| Retained earnings to average equity (ytd only) | 5.8741% | 2,782 |
| Net charge-offs to loans | 0.0576% | 4,608 |
| Credit loss provision to net charge-offs | 833.3333% | 385 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 659 |
| Efficiency ratio | 65.2029% | 4,685 |
| Assets per employee ($millions) | 3.3728% | 5,267 |
| Cash dividends to net income (ytd only)* | 46.1181% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8576% | 2,679 |
| Loan loss allowance to noncurrent loans | 198.4947% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 5,769 |
| Noncurrent loans to loans | 0.9358% | 4,642 |
| Net loans and leases to total assets | 38.6744% | 6,427 |
| Net loans and leases to deposits | 51.6941% | 6,044 |
| Net loans and leases to core deposits | 55.9955% | 5,943 |
| Total domestic deposits to total assets | 74.8139% | 6,600 |
| Equity capital to assets | 10.6426% | 3,521 |
| Core capital (leverage) ratio | 10.0751% | 3,315 |
| Tier 1 risk-based capital ratio | 23.7310% | 1,050 |
| Total risk-based capital ratio | 24.9871% | 1,031 |
| Memoranda: | ||
| Average total assets | $778,660,670 | 858 |
| Average earning assets | $743,223,670 | 809 |
| Average equity | $82,940,670 | 838 |
| Average total loans | $312,494,330 | 1,356 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 5,919 |
| Cost of funding earning assets | 0.7377% | 3,967 |
| Net interest margin | 3.2046% | 5,772 |
| Noninterest income to average assets | 0.7604% | 2,346 |
| Noninterest expense to average assets | 2.5985% | 4,819 |
| Loan and lease loss provision to assets | 0.1944% | 2,996 |
| Net operating income to assets | 1.0232% | 2,390 |
| Return on assets (ROA) | 1.0730% | 2,379 |
| Pretax return on assets | 1.0730% | 3,418 |
| Return on Equity (ROE) | 10.0689% | 2,384 |
| Retained earnings to average equity (ytd only) | 5.1950% | 3,442 |
| Net charge-offs to loans | 0.1075% | 3,482 |
| Credit loss provision to net charge-offs | 446.4286% | 723 |
| Earnings coverage of net charge-offs (x) | 27.9643% | 980 |
| Efficiency ratio | 67.7126% | 4,226 |
| Assets per employee ($millions) | 3.3509% | 5,452 |
| Cash dividends to net income (ytd only)* | 48.4058% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 3,137 |
| Loan loss allowance to noncurrent loans | 188.0582% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 5,823 |
| Noncurrent loans to loans | 0.9343% | 4,799 |
| Net loans and leases to total assets | 38.4115% | 6,466 |
| Net loans and leases to deposits | 50.9663% | 6,074 |
| Net loans and leases to core deposits | 55.4152% | 5,954 |
| Total domestic deposits to total assets | 75.3665% | 6,607 |
| Equity capital to assets | 10.4599% | 3,539 |
| Core capital (leverage) ratio | 10.1252% | 3,210 |
| Tier 1 risk-based capital ratio | 23.5527% | 1,060 |
| Total risk-based capital ratio | 24.8076% | 1,044 |
| Memoranda: | ||
| Average total assets | $771,684,500 | 863 |
| Average earning assets | $735,810,000 | 821 |
| Average equity | $82,233,500 | 844 |
| Average total loans | $312,571,500 | 1,362 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 5,897 |
| Cost of funding earning assets | 0.8397% | 4,547 |
| Net interest margin | 3.4175% | 5,437 |
| Noninterest income to average assets | 0.8050% | 2,034 |
| Noninterest expense to average assets | 2.5470% | 5,307 |
| Loan and lease loss provision to assets | 0.2274% | 3,927 |
| Net operating income to assets | 1.2891% | 1,277 |
| Return on assets (ROA) | 1.2900% | 1,374 |
| Pretax return on assets | 1.2900% | 2,169 |
| Return on Equity (ROE) | 11.7765% | 1,472 |
| Retained earnings to average equity (ytd only) | 6.5594% | 1,711 |
| Net charge-offs to loans | 0.5926% | 2,673 |
| Credit loss provision to net charge-offs | 87.0712% | 4,144 |
| Earnings coverage of net charge-offs (x) | 5.8069% | 2,675 |
| Efficiency ratio | 62.3041% | 5,412 |
| Assets per employee ($millions) | 3.1753% | 5,757 |
| Cash dividends to net income (ytd only)* | 44.3008% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 3,476 |
| Loan loss allowance to noncurrent loans | 194.4045% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 5,930 |
| Noncurrent loans to loans | 0.8372% | 5,015 |
| Net loans and leases to total assets | 41.2999% | 6,442 |
| Net loans and leases to deposits | 53.9758% | 6,069 |
| Net loans and leases to core deposits | 58.9245% | 5,943 |
| Total domestic deposits to total assets | 76.5155% | 6,408 |
| Equity capital to assets | 10.8628% | 3,127 |
| Core capital (leverage) ratio | 10.5481% | 2,665 |
| Tier 1 risk-based capital ratio | 22.8256% | 1,118 |
| Total risk-based capital ratio | 24.0791% | 1,098 |
| Memoranda: | ||
| Average total assets | $725,633,800 | 903 |
| Average earning assets | $691,883,800 | 873 |
| Average equity | $79,489,000 | 846 |
| Average total loans | $319,792,800 | 1,327 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 5,932 |
| Cost of funding earning assets | 0.8623% | 4,689 |
| Net interest margin | 3.4440% | 5,416 |
| Noninterest income to average assets | 0.8214% | 1,953 |
| Noninterest expense to average assets | 2.5076% | 5,436 |
| Loan and lease loss provision to assets | 0.2318% | 3,695 |
| Net operating income to assets | 1.3695% | 1,220 |
| Return on assets (ROA) | 1.3708% | 1,299 |
| Pretax return on assets | 1.3708% | 2,036 |
| Return on Equity (ROE) | 12.4859% | 1,416 |
| Retained earnings to average equity (ytd only) | 6.9584% | 1,990 |
| Net charge-offs to loans | 0.0291% | 5,742 |
| Credit loss provision to net charge-offs | 1,785.7143% | 153 |
| Earnings coverage of net charge-offs (x) | 123.3442% | 299 |
| Efficiency ratio | 60.6545% | 5,617 |
| Assets per employee ($millions) | 3.1092% | 5,878 |
| Cash dividends to net income (ytd only)* | 44.2701% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0522% | 2,199 |
| Loan loss allowance to noncurrent loans | 2,691.3934% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 6,687 |
| Noncurrent loans to loans | 0.0763% | 6,740 |
| Net loans and leases to total assets | 43.2649% | 6,402 |
| Net loans and leases to deposits | 57.8131% | 5,857 |
| Net loans and leases to core deposits | 62.7859% | 5,738 |
| Total domestic deposits to total assets | 74.8357% | 6,658 |
| Equity capital to assets | 11.4179% | 2,764 |
| Core capital (leverage) ratio | 10.4581% | 2,919 |
| Tier 1 risk-based capital ratio | 22.7232% | 1,183 |
| Total risk-based capital ratio | 23.9821% | 1,159 |
| Memoranda: | ||
| Average total assets | $718,905,000 | 916 |
| Average earning assets | $686,246,000 | 879 |
| Average equity | $78,924,250 | 861 |
| Average total loans | $320,755,000 | 1,336 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 6,028 |
| Cost of funding earning assets | 0.8734% | 4,875 |
| Net interest margin | 3.4240% | 5,465 |
| Noninterest income to average assets | 0.8278% | 1,902 |
| Noninterest expense to average assets | 2.5733% | 5,282 |
| Loan and lease loss provision to assets | 0.2510% | 3,395 |
| Net operating income to assets | 1.2760% | 1,378 |
| Return on assets (ROA) | 1.2760% | 1,446 |
| Pretax return on assets | 1.2760% | 2,222 |
| Return on Equity (ROE) | 11.7821% | 1,563 |
| Retained earnings to average equity (ytd only) | 6.5284% | 2,123 |
| Net charge-offs to loans | 0.0118% | 5,683 |
| Credit loss provision to net charge-offs | 4,736.8421% | 71 |
| Earnings coverage of net charge-offs (x) | 288.1579% | 119 |
| Efficiency ratio | 62.3835% | 5,528 |
| Assets per employee ($millions) | 3.1195% | 5,834 |
| Cash dividends to net income (ytd only)* | 44.5902% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 2,521 |
| Loan loss allowance to noncurrent loans | 3,369.8925% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 6,708 |
| Noncurrent loans to loans | 0.0578% | 6,838 |
| Net loans and leases to total assets | 43.2321% | 6,499 |
| Net loans and leases to deposits | 58.3162% | 5,902 |
| Net loans and leases to core deposits | 63.7321% | 5,752 |
| Total domestic deposits to total assets | 74.1339% | 6,827 |
| Equity capital to assets | 10.9317% | 3,028 |
| Core capital (leverage) ratio | 10.2374% | 2,991 |
| Tier 1 risk-based capital ratio | 22.1010% | 1,242 |
| Total risk-based capital ratio | 23.3587% | 1,211 |
| Memoranda: | ||
| Average total assets | $717,060,000 | 922 |
| Average earning assets | $685,341,670 | 889 |
| Average equity | $77,660,330 | 875 |
| Average total loans | $321,008,330 | 1,345 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 6,002 |
| Cost of funding earning assets | 0.8817% | 5,054 |
| Net interest margin | 3.4243% | 5,325 |
| Noninterest income to average assets | 0.7571% | 2,231 |
| Noninterest expense to average assets | 2.6237% | 5,138 |
| Loan and lease loss provision to assets | 0.2533% | 3,126 |
| Net operating income to assets | 1.1528% | 1,658 |
| Return on assets (ROA) | 1.1528% | 1,704 |
| Pretax return on assets | 1.1528% | 2,549 |
| Return on Equity (ROE) | 10.6956% | 1,834 |
| Retained earnings to average equity (ytd only) | 5.7029% | 2,798 |
| Net charge-offs to loans | -0.2021% | 7,259 |
| Credit loss provision to net charge-offs | -277.7778% | 5,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7157% | 5,234 |
| Assets per employee ($millions) | 3.1434% | 5,848 |
| Cash dividends to net income (ytd only)* | 46.6797% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 2,797 |
| Loan loss allowance to noncurrent loans | 13,331.1111% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 6,794 |
| Noncurrent loans to loans | 0.0140% | 7,033 |
| Net loans and leases to total assets | 43.2373% | 6,526 |
| Net loans and leases to deposits | 58.5771% | 5,870 |
| Net loans and leases to core deposits | 63.4590% | 5,784 |
| Total domestic deposits to total assets | 73.8127% | 6,922 |
| Equity capital to assets | 10.5052% | 3,172 |
| Core capital (leverage) ratio | 10.2348% | 2,887 |
| Tier 1 risk-based capital ratio | 21.7591% | 1,269 |
| Total risk-based capital ratio | 23.0159% | 1,237 |
| Memoranda: | ||
| Average total assets | $710,610,000 | 941 |
| Average earning assets | $679,154,000 | 901 |
| Average equity | $76,592,000 | 875 |
| Average total loans | $320,590,000 | 1,365 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 5,885 |
| Cost of funding earning assets | 0.9765% | 5,802 |
| Net interest margin | 3.6970% | 4,355 |
| Noninterest income to average assets | 0.8707% | 1,973 |
| Noninterest expense to average assets | 2.5715% | 5,537 |
| Loan and lease loss provision to assets | 0.4166% | 3,608 |
| Net operating income to assets | 1.4065% | 938 |
| Return on assets (ROA) | 1.4160% | 986 |
| Pretax return on assets | 1.4160% | 1,620 |
| Return on Equity (ROE) | 13.0275% | 1,081 |
| Retained earnings to average equity (ytd only) | 6.3860% | 1,629 |
| Net charge-offs to loans | 0.8575% | 2,492 |
| Credit loss provision to net charge-offs | 103.7495% | 4,336 |
| Earnings coverage of net charge-offs (x) | 4.5406% | 2,883 |
| Efficiency ratio | 58.1454% | 6,322 |
| Assets per employee ($millions) | 2.8831% | 6,365 |
| Cash dividends to net income (ytd only)* | 50.9806% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 3,276 |
| Loan loss allowance to noncurrent loans | 4,452.0661% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 7,140 |
| Noncurrent loans to loans | 0.0378% | 7,033 |
| Net loans and leases to total assets | 45.4480% | 6,602 |
| Net loans and leases to deposits | 61.0904% | 5,945 |
| Net loans and leases to core deposits | 65.5306% | 5,925 |
| Total domestic deposits to total assets | 74.3947% | 6,843 |
| Equity capital to assets | 11.0663% | 2,631 |
| Core capital (leverage) ratio | 10.5853% | 2,472 |
| Tier 1 risk-based capital ratio | 21.4725% | 1,254 |
| Total risk-based capital ratio | 22.7271% | 1,229 |
| Memoranda: | ||
| Average total assets | $684,159,000 | 970 |
| Average earning assets | $652,125,600 | 937 |
| Average equity | $74,366,000 | 889 |
| Average total loans | $320,359,400 | 1,400 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 5,963 |
| Cost of funding earning assets | 1.0027% | 5,928 |
| Net interest margin | 3.7120% | 4,344 |
| Noninterest income to average assets | 0.8761% | 1,886 |
| Noninterest expense to average assets | 2.5723% | 5,421 |
| Loan and lease loss provision to assets | 0.3811% | 3,602 |
| Net operating income to assets | 1.4584% | 1,006 |
| Return on assets (ROA) | 1.4711% | 1,052 |
| Pretax return on assets | 1.4711% | 1,686 |
| Return on Equity (ROE) | 13.5959% | 1,123 |
| Retained earnings to average equity (ytd only) | 7.6930% | 1,520 |
| Net charge-offs to loans | 1.0854% | 1,875 |
| Credit loss provision to net charge-offs | 74.7413% | 5,293 |
| Earnings coverage of net charge-offs (x) | 3.6075% | 3,378 |
| Efficiency ratio | 57.9383% | 6,280 |
| Assets per employee ($millions) | 2.9075% | 6,357 |
| Cash dividends to net income (ytd only)* | 43.4170% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 4,201 |
| Loan loss allowance to noncurrent loans | 1,719.3309% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 7,154 |
| Noncurrent loans to loans | 0.0843% | 7,026 |
| Net loans and leases to total assets | 46.6014% | 6,647 |
| Net loans and leases to deposits | 63.4823% | 5,972 |
| Net loans and leases to core deposits | 68.3288% | 5,906 |
| Total domestic deposits to total assets | 73.4085% | 6,997 |
| Equity capital to assets | 11.3680% | 2,634 |
| Core capital (leverage) ratio | 10.4565% | 2,733 |
| Tier 1 risk-based capital ratio | 21.3785% | 1,303 |
| Total risk-based capital ratio | 22.6304% | 1,278 |
| Memoranda: | ||
| Average total assets | $682,213,750 | 979 |
| Average earning assets | $649,805,750 | 940 |
| Average equity | $73,814,500 | 895 |
| Average total loans | $320,484,250 | 1,418 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 6,215 |
| Cost of funding earning assets | 1.0167% | 6,066 |
| Net interest margin | 3.6623% | 4,532 |
| Noninterest income to average assets | 0.8861% | 1,741 |
| Noninterest expense to average assets | 2.5708% | 5,452 |
| Loan and lease loss provision to assets | 0.2921% | 4,047 |
| Net operating income to assets | 1.5109% | 898 |
| Return on assets (ROA) | 1.5296% | 911 |
| Pretax return on assets | 1.5296% | 1,481 |
| Return on Equity (ROE) | 14.3757% | 963 |
| Retained earnings to average equity (ytd only) | 7.9249% | 1,465 |
| Net charge-offs to loans | 0.1857% | 4,500 |
| Credit loss provision to net charge-offs | 335.5705% | 1,083 |
| Earnings coverage of net charge-offs (x) | 20.7148% | 1,203 |
| Efficiency ratio | 58.4107% | 6,318 |
| Assets per employee ($millions) | 2.9953% | 6,145 |
| Cash dividends to net income (ytd only)* | 44.8730% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 2,543 |
| Loan loss allowance to noncurrent loans | 2,672.3214% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 7,049 |
| Noncurrent loans to loans | 0.0695% | 7,140 |
| Net loans and leases to total assets | 45.5287% | 6,803 |
| Net loans and leases to deposits | 62.2726% | 6,209 |
| Net loans and leases to core deposits | 66.3251% | 6,217 |
| Total domestic deposits to total assets | 73.1119% | 7,085 |
| Equity capital to assets | 10.8674% | 3,001 |
| Core capital (leverage) ratio | 10.2031% | 2,939 |
| Tier 1 risk-based capital ratio | 20.4646% | 1,439 |
| Total risk-based capital ratio | 21.7208% | 1,403 |
| Memoranda: | ||
| Average total assets | $684,774,670 | 981 |
| Average earning assets | $652,109,670 | 944 |
| Average equity | $72,859,000 | 908 |
| Average total loans | $320,990,330 | 1,425 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7188% | 6,181 |
| Cost of funding earning assets | 1.0449% | 6,154 |
| Net interest margin | 3.6740% | 4,378 |
| Noninterest income to average assets | 0.8015% | 2,016 |
| Noninterest expense to average assets | 2.6488% | 5,148 |
| Loan and lease loss provision to assets | 0.2648% | 3,912 |
| Net operating income to assets | 1.3871% | 1,102 |
| Return on assets (ROA) | 1.4253% | 1,095 |
| Pretax return on assets | 1.4253% | 1,707 |
| Return on Equity (ROE) | 13.5441% | 1,134 |
| Retained earnings to average equity (ytd only) | 7.1355% | 2,076 |
| Net charge-offs to loans | 0.0487% | 4,917 |
| Credit loss provision to net charge-offs | 1,153.8462% | 415 |
| Earnings coverage of net charge-offs (x) | 71.9744% | 431 |
| Efficiency ratio | 61.2069% | 5,964 |
| Assets per employee ($millions) | 2.9396% | 6,361 |
| Cash dividends to net income (ytd only)* | 47.3163% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7789% | 2,795 |
| Loan loss allowance to noncurrent loans | 865.5015% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 6,972 |
| Noncurrent loans to loans | 0.2055% | 6,927 |
| Net loans and leases to total assets | 46.1069% | 6,822 |
| Net loans and leases to deposits | 62.7793% | 6,198 |
| Net loans and leases to core deposits | 67.1234% | 6,190 |
| Total domestic deposits to total assets | 73.4427% | 7,115 |
| Equity capital to assets | 10.6815% | 3,057 |
| Core capital (leverage) ratio | 9.9795% | 3,189 |
| Tier 1 risk-based capital ratio | 20.1848% | 1,486 |
| Total risk-based capital ratio | 21.4401% | 1,454 |
| Memoranda: | ||
| Average total assets | $679,708,500 | 1,011 |
| Average earning assets | $647,363,500 | 968 |
| Average equity | $71,529,500 | 927 |
| Average total loans | $320,301,500 | 1,474 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 6,522 |
| Cost of funding earning assets | 1.3517% | 6,137 |
| Net interest margin | 3.6205% | 4,473 |
| Noninterest income to average assets | 0.8740% | 2,057 |
| Noninterest expense to average assets | 2.5649% | 5,911 |
| Loan and lease loss provision to assets | 0.4135% | 4,330 |
| Net operating income to assets | 1.3449% | 954 |
| Return on assets (ROA) | 1.4164% | 876 |
| Pretax return on assets | 1.4164% | 1,391 |
| Return on Equity (ROE) | 14.4561% | 718 |
| Retained earnings to average equity (ytd only) | 5.9604% | 1,367 |
| Net charge-offs to loans | 0.4905% | 3,808 |
| Credit loss provision to net charge-offs | 181.1358% | 2,286 |
| Earnings coverage of net charge-offs (x) | 7.7023% | 2,092 |
| Efficiency ratio | 58.9446% | 6,625 |
| Assets per employee ($millions) | 2.9074% | 6,440 |
| Cash dividends to net income (ytd only)* | 58.7691% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 3,086 |
| Loan loss allowance to noncurrent loans | 441.4369% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 7,035 |
| Noncurrent loans to loans | 0.3735% | 6,531 |
| Net loans and leases to total assets | 46.5260% | 6,933 |
| Net loans and leases to deposits | 61.6023% | 6,507 |
| Net loans and leases to core deposits | 75.9153% | 6,405 |
| Total domestic deposits to total assets | 75.5265% | 6,771 |
| Equity capital to assets | 10.3646% | 3,327 |
| Core capital (leverage) ratio | 10.0012% | 3,088 |
| Tier 1 risk-based capital ratio | 19.6931% | 1,517 |
| Total risk-based capital ratio | 20.9469% | 1,480 |
| Memoranda: | ||
| Average total assets | $671,052,200 | 1,028 |
| Average earning assets | $639,327,400 | 975 |
| Average equity | $65,750,800 | 1,005 |
| Average total loans | $312,303,400 | 1,534 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0114% | 6,570 |
| Cost of funding earning assets | 1.4151% | 6,169 |
| Net interest margin | 3.5963% | 4,494 |
| Noninterest income to average assets | 0.8673% | 2,114 |
| Noninterest expense to average assets | 2.5726% | 5,817 |
| Loan and lease loss provision to assets | 0.2938% | 4,623 |
| Net operating income to assets | 1.4286% | 967 |
| Return on assets (ROA) | 1.5242% | 823 |
| Pretax return on assets | 1.5242% | 1,344 |
| Return on Equity (ROE) | 15.7866% | 683 |
| Retained earnings to average equity (ytd only) | 6.3865% | 1,775 |
| Net charge-offs to loans | 0.5698% | 2,972 |
| Credit loss provision to net charge-offs | 111.2368% | 4,571 |
| Earnings coverage of net charge-offs (x) | 6.5219% | 2,589 |
| Efficiency ratio | 59.5131% | 6,476 |
| Assets per employee ($millions) | 2.9288% | 6,330 |
| Cash dividends to net income (ytd only)* | 59.5453% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 4,331 |
| Loan loss allowance to noncurrent loans | 343.7244% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 7,080 |
| Noncurrent loans to loans | 0.3863% | 6,573 |
| Net loans and leases to total assets | 46.2212% | 7,094 |
| Net loans and leases to deposits | 60.6762% | 6,773 |
| Net loans and leases to core deposits | 76.4117% | 6,585 |
| Total domestic deposits to total assets | 76.1768% | 6,553 |
| Equity capital to assets | 10.0942% | 3,967 |
| Core capital (leverage) ratio | 9.7488% | 3,573 |
| Tier 1 risk-based capital ratio | 19.6361% | 1,630 |
| Total risk-based capital ratio | 20.8860% | 1,588 |
| Memoranda: | ||
| Average total assets | $669,456,750 | 1,041 |
| Average earning assets | $638,054,250 | 991 |
| Average equity | $64,635,250 | 1,037 |
| Average total loans | $310,262,500 | 1,567 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 6,540 |
| Cost of funding earning assets | 1.4739% | 6,243 |
| Net interest margin | 3.5978% | 4,370 |
| Noninterest income to average assets | 0.8394% | 2,224 |
| Noninterest expense to average assets | 2.5363% | 5,997 |
| Loan and lease loss provision to assets | 0.3143% | 4,058 |
| Net operating income to assets | 1.4139% | 994 |
| Return on assets (ROA) | 1.5573% | 804 |
| Pretax return on assets | 1.5573% | 1,311 |
| Return on Equity (ROE) | 16.3805% | 657 |
| Retained earnings to average equity (ytd only) | 4.3990% | 2,850 |
| Net charge-offs to loans | 0.6139% | 2,505 |
| Credit loss provision to net charge-offs | 110.8765% | 4,175 |
| Earnings coverage of net charge-offs (x) | 6.0961% | 2,687 |
| Efficiency ratio | 59.0874% | 6,678 |
| Assets per employee ($millions) | 2.8893% | 6,418 |
| Cash dividends to net income (ytd only)* | 73.1449% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 4,058 |
| Loan loss allowance to noncurrent loans | 335.5466% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 7,074 |
| Noncurrent loans to loans | 0.3985% | 6,513 |
| Net loans and leases to total assets | 45.6177% | 7,222 |
| Net loans and leases to deposits | 59.6917% | 6,911 |
| Net loans and leases to core deposits | 74.1366% | 6,783 |
| Total domestic deposits to total assets | 76.4223% | 6,460 |
| Equity capital to assets | 9.6306% | 4,455 |
| Core capital (leverage) ratio | 9.4387% | 3,977 |
| Tier 1 risk-based capital ratio | 19.2209% | 1,738 |
| Total risk-based capital ratio | 20.4687% | 1,690 |
| Memoranda: | ||
| Average total assets | $668,067,670 | 1,058 |
| Average earning assets | $636,001,670 | 1,012 |
| Average equity | $63,514,670 | 1,069 |
| Average total loans | $308,501,000 | 1,602 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 6,589 |
| Cost of funding earning assets | 1.5495% | 6,237 |
| Net interest margin | 3.5714% | 4,445 |
| Noninterest income to average assets | 0.7281% | 2,717 |
| Noninterest expense to average assets | 2.4722% | 5,946 |
| Loan and lease loss provision to assets | 0.1799% | 4,648 |
| Net operating income to assets | 1.4670% | 1,003 |
| Return on assets (ROA) | 1.7351% | 655 |
| Pretax return on assets | 1.7351% | 1,109 |
| Return on Equity (ROE) | 18.3700% | 565 |
| Retained earnings to average equity (ytd only) | 0.5715% | 5,432 |
| Net charge-offs to loans | 0.3002% | 2,911 |
| Credit loss provision to net charge-offs | 129.8701% | 3,089 |
| Earnings coverage of net charge-offs (x) | 11.8874% | 1,839 |
| Efficiency ratio | 59.6098% | 6,457 |
| Assets per employee ($millions) | 2.9573% | 6,262 |
| Cash dividends to net income (ytd only)* | 96.8890% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 3,919 |
| Loan loss allowance to noncurrent loans | 2,055.0000% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 7,473 |
| Noncurrent loans to loans | 0.0647% | 7,343 |
| Net loans and leases to total assets | 44.6708% | 7,291 |
| Net loans and leases to deposits | 57.9499% | 7,042 |
| Net loans and leases to core deposits | 71.6968% | 6,924 |
| Total domestic deposits to total assets | 77.0851% | 6,256 |
| Equity capital to assets | 9.2738% | 4,976 |
| Core capital (leverage) ratio | 9.3104% | 4,230 |
| Tier 1 risk-based capital ratio | 18.5170% | 1,930 |
| Total risk-based capital ratio | 19.7348% | 1,897 |
| Memoranda: | ||
| Average total assets | $666,940,000 | 1,063 |
| Average earning assets | $633,244,500 | 1,012 |
| Average equity | $62,994,000 | 1,077 |
| Average total loans | $307,786,500 | 1,624 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8526% | 6,261 |
| Cost of funding earning assets | 2.1464% | 5,849 |
| Net interest margin | 3.7062% | 4,446 |
| Noninterest income to average assets | 0.9341% | 1,838 |
| Noninterest expense to average assets | 2.5543% | 5,815 |
| Loan and lease loss provision to assets | 0.2379% | 4,523 |
| Net operating income to assets | 1.6412% | 769 |
| Return on assets (ROA) | 1.6648% | 692 |
| Pretax return on assets | 1.6648% | 1,229 |
| Return on Equity (ROE) | 16.8724% | 654 |
| Retained earnings to average equity (ytd only) | 9.4321% | 532 |
| Net charge-offs to loans | 0.1409% | 4,812 |
| Credit loss provision to net charge-offs | 356.2654% | 1,253 |
| Earnings coverage of net charge-offs (x) | 28.1425% | 1,223 |
| Efficiency ratio | 57.1788% | 6,835 |
| Assets per employee ($millions) | 2.8542% | 6,434 |
| Cash dividends to net income (ytd only)* | 44.0974% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 3,654 |
| Loan loss allowance to noncurrent loans | 3,923.3010% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 7,508 |
| Noncurrent loans to loans | 0.0336% | 7,374 |
| Net loans and leases to total assets | 46.4483% | 7,286 |
| Net loans and leases to deposits | 58.4333% | 7,181 |
| Net loans and leases to core deposits | 73.7258% | 6,985 |
| Total domestic deposits to total assets | 79.4895% | 5,206 |
| Equity capital to assets | 9.6252% | 4,515 |
| Core capital (leverage) ratio | 9.9820% | 3,467 |
| Tier 1 risk-based capital ratio | 18.4739% | 1,926 |
| Total risk-based capital ratio | 19.6707% | 1,879 |
| Memoranda: | ||
| Average total assets | $609,570,200 | 1,112 |
| Average earning assets | $575,526,800 | 1,073 |
| Average equity | $60,145,600 | 1,121 |
| Average total loans | $288,900,200 | 1,675 |