Home > Bank Five Nine > Performance and Condition Ratios
Bank Five Nine, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4903% | 1,175 |
| Cost of funding earning assets | 2.2661% | 577 |
| Net interest margin | 3.2242% | 2,816 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.9667% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6595% | 3,295 |
| Return on assets (ROA) | 0.6595% | 3,272 |
| Pretax return on assets | 0.7235% | 3,389 |
| Return on Equity (ROE) | 7.4700% | 3,165 |
| Retained earnings to average equity (ytd only) | 5.4782% | 2,412 |
| Net charge-offs to loans | -0.0038% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.3935% | 891 |
| Assets per employee ($millions) | 6.1863% | 2,656 |
| Cash dividends to net income (ytd only)* | 26.6717% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5665% | 4,283 |
| Loan loss allowance to noncurrent loans | 201.9128% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 2,053 |
| Noncurrent loans to loans | 0.2806% | 2,176 |
| Net loans and leases to total assets | 81.0000% | 532 |
| Net loans and leases to deposits | 101.8244% | 441 |
| Net loans and leases to core deposits | 136.9568% | 301 |
| Total domestic deposits to total assets | 79.5500% | 3,527 |
| Equity capital to assets | 8.3021% | 3,197 |
| Core capital (leverage) ratio | 9.4654% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4096% | 2,738 |
| Memoranda: | ||
| Average total assets | $1,795,771,600 | 626 |
| Average earning assets | $1,685,359,200 | 611 |
| Average equity | $158,536,600 | 649 |
| Average total loans | $1,458,555,000 | 525 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3649% | 1,189 |
| Cost of funding earning assets | 2.0849% | 616 |
| Net interest margin | 3.2800% | 2,734 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 3.0398% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6520% | 3,424 |
| Return on assets (ROA) | 0.6520% | 3,418 |
| Pretax return on assets | 0.7428% | 3,464 |
| Return on Equity (ROE) | 7.2600% | 3,362 |
| Retained earnings to average equity (ytd only) | 5.2886% | 2,846 |
| Net charge-offs to loans | -0.0056% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.3620% | 840 |
| Assets per employee ($millions) | 5.8736% | 2,862 |
| Cash dividends to net income (ytd only)* | 27.1932% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5966% | 4,269 |
| Loan loss allowance to noncurrent loans | 190.7182% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 1,985 |
| Noncurrent loans to loans | 0.3128% | 2,112 |
| Net loans and leases to total assets | 81.7800% | 456 |
| Net loans and leases to deposits | 104.6494% | 332 |
| Net loans and leases to core deposits | 138.6739% | 234 |
| Total domestic deposits to total assets | 78.1500% | 3,797 |
| Equity capital to assets | 8.4922% | 2,734 |
| Core capital (leverage) ratio | 9.9355% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0951% | 2,583 |
| Memoranda: | ||
| Average total assets | $1,752,903,250 | 638 |
| Average earning assets | $1,646,890,750 | 623 |
| Average equity | $157,340,000 | 646 |
| Average total loans | $1,422,568,750 | 538 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1857% | 1,236 |
| Cost of funding earning assets | 1.9021% | 604 |
| Net interest margin | 3.2836% | 2,786 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.9882% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7106% | 3,323 |
| Return on assets (ROA) | 0.7106% | 3,321 |
| Pretax return on assets | 0.8205% | 3,350 |
| Return on Equity (ROE) | 7.7700% | 3,294 |
| Retained earnings to average equity (ytd only) | 5.7899% | 2,698 |
| Net charge-offs to loans | 0.0010% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,008.2857% | 145 |
| Efficiency ratio | 78.4581% | 965 |
| Assets per employee ($millions) | 5.5126% | 3,137 |
| Cash dividends to net income (ytd only)* | 25.4540% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6238% | 4,269 |
| Loan loss allowance to noncurrent loans | 177.3210% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 1,775 |
| Noncurrent loans to loans | 0.3518% | 1,877 |
| Net loans and leases to total assets | 80.9100% | 530 |
| Net loans and leases to deposits | 100.7417% | 481 |
| Net loans and leases to core deposits | 130.3848% | 318 |
| Total domestic deposits to total assets | 80.3100% | 3,530 |
| Equity capital to assets | 8.9327% | 2,562 |
| Core capital (leverage) ratio | 10.2663% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3025% | 2,533 |
| Memoranda: | ||
| Average total assets | $1,720,473,000 | 632 |
| Average earning assets | $1,616,130,667 | 621 |
| Average equity | $157,412,333 | 645 |
| Average total loans | $1,389,341,333 | 538 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 1,175 |
| Cost of funding earning assets | 1.6509% | 632 |
| Net interest margin | 3.3773% | 2,695 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.7614% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8710% | 2,954 |
| Return on assets (ROA) | 0.8710% | 2,909 |
| Pretax return on assets | 1.0354% | 2,899 |
| Return on Equity (ROE) | 9.4000% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.5925% | 2,342 |
| Net charge-offs to loans | -0.0026% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.7290% | 1,471 |
| Assets per employee ($millions) | 5.4126% | 3,306 |
| Cash dividends to net income (ytd only)* | 19.2568% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6544% | 4,302 |
| Loan loss allowance to noncurrent loans | 255.9082% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 2,107 |
| Noncurrent loans to loans | 0.2557% | 2,230 |
| Net loans and leases to total assets | 80.1500% | 525 |
| Net loans and leases to deposits | 101.6995% | 369 |
| Net loans and leases to core deposits | 124.6280% | 354 |
| Total domestic deposits to total assets | 78.8100% | 3,910 |
| Equity capital to assets | 9.3312% | 2,276 |
| Core capital (leverage) ratio | 10.4567% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0809% | 2,365 |
| Memoranda: | ||
| Average total assets | $1,693,188,500 | 656 |
| Average earning assets | $1,590,160,000 | 639 |
| Average equity | $156,838,500 | 656 |
| Average total loans | $1,361,429,000 | 559 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 720 |
| Cost of funding earning assets | 0.5423% | 1,148 |
| Net interest margin | 3.9578% | 842 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 3.2721% | 656 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1157% | 2,098 |
| Return on assets (ROA) | 1.1157% | 2,038 |
| Pretax return on assets | 1.3543% | 1,922 |
| Return on Equity (ROE) | 11.3800% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.8273% | 1,213 |
| Net charge-offs to loans | 0.0017% | 2,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,074.2000% | 169 |
| Efficiency ratio | 70.7271% | 1,594 |
| Assets per employee ($millions) | 5.2539% | 3,467 |
| Cash dividends to net income (ytd only)* | 13.6441% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6718% | 4,249 |
| Loan loss allowance to noncurrent loans | 191.0631% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 1,745 |
| Noncurrent loans to loans | 0.3516% | 1,886 |
| Net loans and leases to total assets | 79.5900% | 639 |
| Net loans and leases to deposits | 95.3747% | 688 |
| Net loans and leases to core deposits | 113.2627% | 505 |
| Total domestic deposits to total assets | 83.4500% | 3,319 |
| Equity capital to assets | 9.1932% | 2,229 |
| Core capital (leverage) ratio | 10.5271% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0408% | 2,355 |
| Memoranda: | ||
| Average total assets | $1,586,380,600 | 677 |
| Average earning assets | $1,490,738,000 | 663 |
| Average equity | $155,536,800 | 662 |
| Average total loans | $1,167,767,000 | 594 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 734 |
| Cost of funding earning assets | 0.3788% | 1,455 |
| Net interest margin | 3.9220% | 763 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 3.3463% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0957% | 2,126 |
| Return on assets (ROA) | 1.0958% | 2,086 |
| Pretax return on assets | 1.3167% | 1,991 |
| Return on Equity (ROE) | 10.9900% | 2,383 |
| Retained earnings to average equity (ytd only) | 10.0770% | 1,321 |
| Net charge-offs to loans | 0.0042% | 2,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 441.2571% | 353 |
| Efficiency ratio | 71.7644% | 1,548 |
| Assets per employee ($millions) | 4.9481% | 3,719 |
| Cash dividends to net income (ytd only)* | 8.3320% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7095% | 4,234 |
| Loan loss allowance to noncurrent loans | 342.0813% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 2,483 |
| Noncurrent loans to loans | 0.2074% | 2,564 |
| Net loans and leases to total assets | 77.4300% | 757 |
| Net loans and leases to deposits | 91.8388% | 774 |
| Net loans and leases to core deposits | 103.3173% | 684 |
| Total domestic deposits to total assets | 84.3100% | 3,430 |
| Equity capital to assets | 9.2090% | 2,072 |
| Core capital (leverage) ratio | 10.8864% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2917% | 1,940 |
| Memoranda: | ||
| Average total assets | $1,563,980,250 | 688 |
| Average earning assets | $1,470,537,000 | 673 |
| Average equity | $155,901,750 | 668 |
| Average total loans | $1,123,990,500 | 608 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 799 |
| Cost of funding earning assets | 0.3456% | 1,314 |
| Net interest margin | 3.7376% | 858 |
| Noninterest income to average assets | 1.0274% | 629 |
| Noninterest expense to average assets | 3.2478% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0923% | 1,801 |
| Return on assets (ROA) | 1.0924% | 1,786 |
| Pretax return on assets | 1.2935% | 1,773 |
| Return on Equity (ROE) | 10.6728% | 2,104 |
| Retained earnings to average equity (ytd only) | 9.3162% | 1,196 |
| Net charge-offs to loans | -0.0041% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5191% | 1,772 |
| Assets per employee ($millions) | 4.5603% | 4,032 |
| Cash dividends to net income (ytd only)* | 12.7107% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 4,203 |
| Loan loss allowance to noncurrent loans | 331.4442% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 2,452 |
| Noncurrent loans to loans | 0.2354% | 2,539 |
| Net loans and leases to total assets | 76.1512% | 714 |
| Net loans and leases to deposits | 89.6182% | 742 |
| Net loans and leases to core deposits | 96.5352% | 808 |
| Total domestic deposits to total assets | 84.9729% | 3,491 |
| Equity capital to assets | 10.1843% | 1,597 |
| Core capital (leverage) ratio | 10.9194% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1685% | 1,989 |
| Memoranda: | ||
| Average total assets | $1,542,667,333 | 683 |
| Average earning assets | $1,450,233,667 | 677 |
| Average equity | $157,897,333 | 671 |
| Average total loans | $1,075,500,000 | 622 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 1,166 |
| Cost of funding earning assets | 0.3771% | 1,011 |
| Net interest margin | 3.3803% | 1,351 |
| Noninterest income to average assets | 1.3118% | 421 |
| Noninterest expense to average assets | 2.8612% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3678% | 859 |
| Return on assets (ROA) | 1.3680% | 854 |
| Pretax return on assets | 1.6290% | 791 |
| Return on Equity (ROE) | 13.3334% | 971 |
| Retained earnings to average equity (ytd only) | 13.3334% | 438 |
| Net charge-offs to loans | -0.0105% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7238% | 3,065 |
| Assets per employee ($millions) | 4.7428% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 4,116 |
| Loan loss allowance to noncurrent loans | 116.2076% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 1,185 |
| Noncurrent loans to loans | 0.7472% | 1,271 |
| Net loans and leases to total assets | 66.3658% | 1,377 |
| Net loans and leases to deposits | 77.0611% | 1,358 |
| Net loans and leases to core deposits | 83.5187% | 1,268 |
| Total domestic deposits to total assets | 86.1209% | 3,219 |
| Equity capital to assets | 10.0735% | 1,840 |
| Core capital (leverage) ratio | 10.6179% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6176% | 1,610 |
| Memoranda: | ||
| Average total assets | $1,556,986,500 | 679 |
| Average earning assets | $1,463,876,000 | 674 |
| Average equity | $159,749,000 | 681 |
| Average total loans | $1,032,242,000 | 644 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0431% | 1,259 |
| Cost of funding earning assets | 0.4827% | 1,000 |
| Net interest margin | 3.5604% | 1,573 |
| Noninterest income to average assets | 1.9476% | 330 |
| Noninterest expense to average assets | 3.3912% | 559 |
| Loan and lease loss provision to assets | 0.0398% | 2,246 |
| Net operating income to assets | 1.5001% | 1,014 |
| Return on assets (ROA) | 1.5001% | 1,065 |
| Pretax return on assets | 1.8553% | 804 |
| Return on Equity (ROE) | 14.4368% | 1,080 |
| Retained earnings to average equity (ytd only) | 12.4119% | 484 |
| Net charge-offs to loans | 0.0489% | 1,331 |
| Credit loss provision to net charge-offs | 118.8119% | 1,654 |
| Earnings coverage of net charge-offs (x) | 56.5069% | 1,220 |
| Efficiency ratio | 64.1499% | 2,545 |
| Assets per employee ($millions) | 4.7803% | 3,906 |
| Cash dividends to net income (ytd only)* | 14.0258% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 4,093 |
| Loan loss allowance to noncurrent loans | 110.3490% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 1,234 |
| Noncurrent loans to loans | 0.8034% | 1,270 |
| Net loans and leases to total assets | 65.0630% | 1,578 |
| Net loans and leases to deposits | 79.4375% | 1,259 |
| Net loans and leases to core deposits | 86.4751% | 1,170 |
| Total domestic deposits to total assets | 81.9046% | 3,983 |
| Equity capital to assets | 10.4476% | 2,223 |
| Core capital (leverage) ratio | 10.4665% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5352% | 1,677 |
| Memoranda: | ||
| Average total assets | $1,505,731,600 | 686 |
| Average earning assets | $1,411,991,400 | 674 |
| Average equity | $156,454,800 | 689 |
| Average total loans | $1,031,770,400 | 638 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 1,256 |
| Cost of funding earning assets | 0.5115% | 993 |
| Net interest margin | 3.6085% | 1,581 |
| Noninterest income to average assets | 2.0948% | 322 |
| Noninterest expense to average assets | 3.4034% | 527 |
| Loan and lease loss provision to assets | 0.0536% | 1,911 |
| Net operating income to assets | 1.6148% | 1,002 |
| Return on assets (ROA) | 1.6148% | 1,038 |
| Pretax return on assets | 2.0190% | 771 |
| Return on Equity (ROE) | 15.5636% | 1,028 |
| Retained earnings to average equity (ytd only) | 14.3851% | 471 |
| Net charge-offs to loans | 0.0647% | 997 |
| Credit loss provision to net charge-offs | 119.5219% | 1,468 |
| Earnings coverage of net charge-offs (x) | 46.2550% | 1,277 |
| Efficiency ratio | 62.1516% | 2,670 |
| Assets per employee ($millions) | 4.6240% | 4,032 |
| Cash dividends to net income (ytd only)* | 7.5724% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 4,174 |
| Loan loss allowance to noncurrent loans | 102.0187% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 1,301 |
| Noncurrent loans to loans | 0.8720% | 1,316 |
| Net loans and leases to total assets | 66.0421% | 1,541 |
| Net loans and leases to deposits | 83.3097% | 1,010 |
| Net loans and leases to core deposits | 91.3037% | 963 |
| Total domestic deposits to total assets | 79.2730% | 4,321 |
| Equity capital to assets | 10.5911% | 2,376 |
| Core capital (leverage) ratio | 10.2629% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3847% | 1,519 |
| Memoranda: | ||
| Average total assets | $1,493,766,250 | 695 |
| Average earning assets | $1,399,670,750 | 687 |
| Average equity | $154,990,250 | 704 |
| Average total loans | $1,034,749,000 | 649 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 1,072 |
| Cost of funding earning assets | 0.5252% | 1,069 |
| Net interest margin | 3.7338% | 1,258 |
| Noninterest income to average assets | 2.0916% | 310 |
| Noninterest expense to average assets | 3.2942% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8067% | 704 |
| Return on assets (ROA) | 1.8067% | 739 |
| Pretax return on assets | 2.2950% | 483 |
| Return on Equity (ROE) | 17.5373% | 709 |
| Retained earnings to average equity (ytd only) | 15.7439% | 356 |
| Net charge-offs to loans | 0.1076% | 706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 30.3893% | 1,302 |
| Efficiency ratio | 58.9384% | 3,160 |
| Assets per employee ($millions) | 4.6576% | 3,967 |
| Cash dividends to net income (ytd only)* | 10.2262% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8114% | 4,350 |
| Loan loss allowance to noncurrent loans | 93.3764% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 1,116 |
| Noncurrent loans to loans | 0.8689% | 1,414 |
| Net loans and leases to total assets | 66.7134% | 1,610 |
| Net loans and leases to deposits | 85.0181% | 986 |
| Net loans and leases to core deposits | 94.0067% | 902 |
| Total domestic deposits to total assets | 78.4697% | 4,388 |
| Equity capital to assets | 10.2653% | 2,606 |
| Core capital (leverage) ratio | 10.1912% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0023% | 1,629 |
| Memoranda: | ||
| Average total assets | $1,483,044,333 | 694 |
| Average earning assets | $1,389,197,667 | 686 |
| Average equity | $152,782,667 | 711 |
| Average total loans | $1,040,730,667 | 649 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 521 |
| Cost of funding earning assets | 0.5652% | 1,027 |
| Net interest margin | 4.1937% | 603 |
| Noninterest income to average assets | 2.2900% | 298 |
| Noninterest expense to average assets | 3.1276% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3856% | 321 |
| Return on assets (ROA) | 2.3856% | 348 |
| Pretax return on assets | 3.0864% | 215 |
| Return on Equity (ROE) | 23.1135% | 331 |
| Retained earnings to average equity (ytd only) | 23.1135% | 180 |
| Net charge-offs to loans | -0.0529% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3316% | 4,160 |
| Assets per employee ($millions) | 4.6719% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 4,306 |
| Loan loss allowance to noncurrent loans | 63.5277% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.0086% | 814 |
| Noncurrent loans to loans | 1.3301% | 975 |
| Net loans and leases to total assets | 71.5484% | 1,087 |
| Net loans and leases to deposits | 92.3400% | 579 |
| Net loans and leases to core deposits | 102.8728% | 603 |
| Total domestic deposits to total assets | 77.4836% | 4,484 |
| Equity capital to assets | 10.3260% | 2,416 |
| Core capital (leverage) ratio | 10.2630% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8825% | 1,333 |
| Memoranda: | ||
| Average total assets | $1,456,059,500 | 702 |
| Average earning assets | $1,362,414,000 | 692 |
| Average equity | $150,284,500 | 714 |
| Average total loans | $1,044,204,500 | 646 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 1,105 |
| Cost of funding earning assets | 0.8518% | 1,014 |
| Net interest margin | 3.7434% | 1,657 |
| Noninterest income to average assets | 3.0452% | 186 |
| Noninterest expense to average assets | 4.1124% | 340 |
| Loan and lease loss provision to assets | 0.3074% | 1,217 |
| Net operating income to assets | 1.6790% | 527 |
| Return on assets (ROA) | 1.7044% | 533 |
| Pretax return on assets | 2.1438% | 336 |
| Return on Equity (ROE) | 16.9593% | 416 |
| Retained earnings to average equity (ytd only) | 15.3599% | 140 |
| Net charge-offs to loans | 0.0687% | 1,806 |
| Credit loss provision to net charge-offs | 594.3536% | 1,111 |
| Earnings coverage of net charge-offs (x) | 46.7875% | 1,264 |
| Efficiency ratio | 62.9588% | 2,986 |
| Assets per employee ($millions) | 4.4155% | 4,000 |
| Cash dividends to net income (ytd only)* | 9.4311% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 4,236 |
| Loan loss allowance to noncurrent loans | 71.2024% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 1,039 |
| Noncurrent loans to loans | 1.2405% | 1,113 |
| Net loans and leases to total assets | 70.6200% | 1,480 |
| Net loans and leases to deposits | 93.4506% | 692 |
| Net loans and leases to core deposits | 105.3012% | 675 |
| Total domestic deposits to total assets | 75.5693% | 4,533 |
| Equity capital to assets | 10.3165% | 2,815 |
| Core capital (leverage) ratio | 10.1105% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7396% | 1,618 |
| Memoranda: | ||
| Average total assets | $1,301,444,000 | 703 |
| Average earning assets | $1,212,174,200 | 689 |
| Average equity | $130,795,400 | 760 |
| Average total loans | $979,544,800 | 657 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 714 |
| Cost of funding earning assets | 0.9233% | 987 |
| Net interest margin | 3.9889% | 1,139 |
| Noninterest income to average assets | 3.0404% | 182 |
| Noninterest expense to average assets | 4.2757% | 304 |
| Loan and lease loss provision to assets | 0.2098% | 1,915 |
| Net operating income to assets | 1.8029% | 447 |
| Return on assets (ROA) | 1.8372% | 465 |
| Pretax return on assets | 2.3134% | 274 |
| Return on Equity (ROE) | 18.4166% | 330 |
| Retained earnings to average equity (ytd only) | 16.9395% | 125 |
| Net charge-offs to loans | 0.0391% | 2,070 |
| Credit loss provision to net charge-offs | 701.7544% | 1,067 |
| Earnings coverage of net charge-offs (x) | 82.9684% | 903 |
| Efficiency ratio | 63.2923% | 2,864 |
| Assets per employee ($millions) | 4.3607% | 3,990 |
| Cash dividends to net income (ytd only)* | 8.0203% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 4,502 |
| Loan loss allowance to noncurrent loans | 62.4979% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9429% | 1,202 |
| Noncurrent loans to loans | 1.1861% | 1,285 |
| Net loans and leases to total assets | 71.5144% | 1,739 |
| Net loans and leases to deposits | 92.1947% | 1,056 |
| Net loans and leases to core deposits | 104.0475% | 920 |
| Total domestic deposits to total assets | 77.5689% | 4,255 |
| Equity capital to assets | 9.8482% | 3,381 |
| Core capital (leverage) ratio | 9.6255% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2198% | 1,446 |
| Memoranda: | ||
| Average total assets | $1,271,355,750 | 705 |
| Average earning assets | $1,184,129,500 | 689 |
| Average equity | $126,824,500 | 771 |
| Average total loans | $971,175,750 | 651 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 2,221 |
| Cost of funding earning assets | 1.0170% | 938 |
| Net interest margin | 3.3811% | 3,157 |
| Noninterest income to average assets | 3.4555% | 139 |
| Noninterest expense to average assets | 4.1422% | 349 |
| Loan and lease loss provision to assets | 0.0889% | 3,163 |
| Net operating income to assets | 1.8789% | 418 |
| Return on assets (ROA) | 1.9317% | 426 |
| Pretax return on assets | 2.4371% | 238 |
| Return on Equity (ROE) | 19.2731% | 282 |
| Retained earnings to average equity (ytd only) | 17.4103% | 129 |
| Net charge-offs to loans | 0.0143% | 2,463 |
| Credit loss provision to net charge-offs | 797.1014% | 920 |
| Earnings coverage of net charge-offs (x) | 220.4928% | 412 |
| Efficiency ratio | 62.7464% | 2,999 |
| Assets per employee ($millions) | 4.2202% | 4,083 |
| Cash dividends to net income (ytd only)* | 9.6653% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5849% | 4,755 |
| Loan loss allowance to noncurrent loans | 44.9271% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.1666% | 944 |
| Noncurrent loans to loans | 1.3020% | 1,190 |
| Net loans and leases to total assets | 78.0137% | 846 |
| Net loans and leases to deposits | 100.4384% | 524 |
| Net loans and leases to core deposits | 113.3228% | 619 |
| Total domestic deposits to total assets | 77.6732% | 4,233 |
| Equity capital to assets | 9.8081% | 3,358 |
| Core capital (leverage) ratio | 9.8441% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0377% | 2,163 |
| Memoranda: | ||
| Average total assets | $1,237,272,000 | 708 |
| Average earning assets | $1,151,232,667 | 704 |
| Average equity | $124,007,333 | 775 |
| Average total loans | $965,013,333 | 641 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 1,768 |
| Cost of funding earning assets | 1.1571% | 887 |
| Net interest margin | 3.5246% | 2,895 |
| Noninterest income to average assets | 2.3307% | 220 |
| Noninterest expense to average assets | 3.8915% | 564 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3994% | 980 |
| Return on assets (ROA) | 1.5131% | 828 |
| Pretax return on assets | 1.8499% | 629 |
| Return on Equity (ROE) | 14.9184% | 558 |
| Retained earnings to average equity (ytd only) | 14.0907% | 246 |
| Net charge-offs to loans | -0.0609% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4576% | 2,436 |
| Assets per employee ($millions) | 3.6552% | 4,325 |
| Cash dividends to net income (ytd only)* | 5.5482% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6240% | 4,726 |
| Loan loss allowance to noncurrent loans | 34.3752% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.7636% | 532 |
| Noncurrent loans to loans | 1.8153% | 824 |
| Net loans and leases to total assets | 77.7373% | 1,017 |
| Net loans and leases to deposits | 101.9259% | 450 |
| Net loans and leases to core deposits | 115.7961% | 596 |
| Total domestic deposits to total assets | 76.2685% | 4,451 |
| Equity capital to assets | 10.4877% | 3,335 |
| Core capital (leverage) ratio | 9.9398% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9709% | 2,294 |
| Memoranda: | ||
| Average total assets | $1,191,220,500 | 698 |
| Average earning assets | $1,105,829,000 | 693 |
| Average equity | $120,817,500 | 788 |
| Average total loans | $925,921,500 | 648 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9523% | 1,607 |
| Cost of funding earning assets | 1.2770% | 823 |
| Net interest margin | 3.6753% | 2,884 |
| Noninterest income to average assets | 1.7461% | 322 |
| Noninterest expense to average assets | 3.9315% | 575 |
| Loan and lease loss provision to assets | 0.0664% | 2,689 |
| Net operating income to assets | 1.0182% | 2,783 |
| Return on assets (ROA) | 1.0282% | 2,834 |
| Pretax return on assets | 1.1800% | 2,909 |
| Return on Equity (ROE) | 11.0739% | 1,851 |
| Retained earnings to average equity (ytd only) | 8.9899% | 713 |
| Net charge-offs to loans | 0.0747% | 2,027 |
| Credit loss provision to net charge-offs | 115.4401% | 2,182 |
| Earnings coverage of net charge-offs (x) | 21.4589% | 1,886 |
| Efficiency ratio | 76.0970% | 1,352 |
| Assets per employee ($millions) | 3.8153% | 4,139 |
| Cash dividends to net income (ytd only)* | 18.8192% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6055% | 4,727 |
| Loan loss allowance to noncurrent loans | 37.0705% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.6783% | 557 |
| Noncurrent loans to loans | 1.6334% | 855 |
| Net loans and leases to total assets | 76.7732% | 1,293 |
| Net loans and leases to deposits | 101.4983% | 500 |
| Net loans and leases to core deposits | 117.2268% | 555 |
| Total domestic deposits to total assets | 75.6399% | 4,642 |
| Equity capital to assets | 9.8030% | 4,098 |
| Core capital (leverage) ratio | 9.4008% | 4,170 |
| Tier 1 risk-based capital ratio | 11.9290% | 4,400 |
| Total risk-based capital ratio | 12.5173% | 4,637 |
| Memoranda: | ||
| Average total assets | $1,204,182,400 | 657 |
| Average earning assets | $1,120,672,400 | 649 |
| Average equity | $111,803,200 | 818 |
| Average total loans | $927,810,600 | 621 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8699% | 1,919 |
| Cost of funding earning assets | 1.2699% | 866 |
| Net interest margin | 3.5999% | 3,251 |
| Noninterest income to average assets | 1.8171% | 310 |
| Noninterest expense to average assets | 3.9557% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0506% | 2,785 |
| Return on assets (ROA) | 1.0639% | 2,802 |
| Pretax return on assets | 1.2281% | 2,889 |
| Return on Equity (ROE) | 11.6201% | 1,752 |
| Retained earnings to average equity (ytd only) | 9.8794% | 783 |
| Net charge-offs to loans | 0.0532% | 2,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 29.6190% | 1,635 |
| Efficiency ratio | 76.5347% | 1,267 |
| Assets per employee ($millions) | 3.9393% | 3,976 |
| Cash dividends to net income (ytd only)* | 14.9797% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5511% | 4,896 |
| Loan loss allowance to noncurrent loans | 42.1847% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.4526% | 785 |
| Noncurrent loans to loans | 1.3064% | 1,184 |
| Net loans and leases to total assets | 74.3322% | 1,745 |
| Net loans and leases to deposits | 96.1701% | 998 |
| Net loans and leases to core deposits | 113.3333% | 782 |
| Total domestic deposits to total assets | 77.2924% | 4,476 |
| Equity capital to assets | 9.2697% | 4,619 |
| Core capital (leverage) ratio | 9.1752% | 4,502 |
| Tier 1 risk-based capital ratio | 11.8373% | 4,495 |
| Total risk-based capital ratio | 12.3809% | 4,737 |
| Memoranda: | ||
| Average total assets | $1,204,774,500 | 661 |
| Average earning assets | $1,121,619,000 | 648 |
| Average equity | $110,300,500 | 818 |
| Average total loans | $927,690,250 | 620 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 1,954 |
| Cost of funding earning assets | 1.2410% | 894 |
| Net interest margin | 3.5944% | 3,272 |
| Noninterest income to average assets | 1.7081% | 329 |
| Noninterest expense to average assets | 3.8879% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0189% | 2,847 |
| Return on assets (ROA) | 1.0345% | 2,863 |
| Pretax return on assets | 1.1834% | 2,960 |
| Return on Equity (ROE) | 11.3493% | 1,846 |
| Retained earnings to average equity (ytd only) | 9.1554% | 988 |
| Net charge-offs to loans | 0.0331% | 2,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 45.3268% | 1,172 |
| Efficiency ratio | 76.9371% | 1,273 |
| Assets per employee ($millions) | 3.8026% | 4,121 |
| Cash dividends to net income (ytd only)* | 19.3307% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5724% | 4,919 |
| Loan loss allowance to noncurrent loans | 34.8819% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.8145% | 556 |
| Noncurrent loans to loans | 1.6409% | 938 |
| Net loans and leases to total assets | 77.7450% | 1,266 |
| Net loans and leases to deposits | 99.1989% | 743 |
| Net loans and leases to core deposits | 117.8391% | 610 |
| Total domestic deposits to total assets | 78.3728% | 4,334 |
| Equity capital to assets | 9.3686% | 4,524 |
| Core capital (leverage) ratio | 9.1488% | 4,510 |
| Tier 1 risk-based capital ratio | 11.6808% | 4,588 |
| Total risk-based capital ratio | 12.2557% | 4,826 |
| Memoranda: | ||
| Average total assets | $1,190,113,670 | 668 |
| Average earning assets | $1,107,613,000 | 655 |
| Average equity | $108,482,000 | 829 |
| Average total loans | $925,796,330 | 619 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 2,028 |
| Cost of funding earning assets | 1.1792% | 957 |
| Net interest margin | 3.5828% | 3,314 |
| Noninterest income to average assets | 1.5413% | 360 |
| Noninterest expense to average assets | 3.6107% | 835 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1045% | 2,448 |
| Return on assets (ROA) | 1.0719% | 2,622 |
| Pretax return on assets | 1.2281% | 2,704 |
| Return on Equity (ROE) | 11.9272% | 1,561 |
| Retained earnings to average equity (ytd only) | 10.9142% | 817 |
| Net charge-offs to loans | 0.1252% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 13.0313% | 1,849 |
| Efficiency ratio | 74.0474% | 1,754 |
| Assets per employee ($millions) | 3.8505% | 4,120 |
| Cash dividends to net income (ytd only)* | 8.4932% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5709% | 4,986 |
| Loan loss allowance to noncurrent loans | 24.8727% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.9908% | 496 |
| Noncurrent loans to loans | 2.2954% | 597 |
| Net loans and leases to total assets | 76.0029% | 1,478 |
| Net loans and leases to deposits | 97.6523% | 820 |
| Net loans and leases to core deposits | 116.6642% | 626 |
| Total domestic deposits to total assets | 77.8301% | 4,544 |
| Equity capital to assets | 9.0986% | 4,618 |
| Core capital (leverage) ratio | 9.1612% | 4,511 |
| Tier 1 risk-based capital ratio | 11.6300% | 4,670 |
| Total risk-based capital ratio | 12.1987% | 4,905 |
| Memoranda: | ||
| Average total assets | $1,186,263,500 | 672 |
| Average earning assets | $1,104,153,500 | 662 |
| Average equity | $106,613,500 | 837 |
| Average total loans | $920,394,000 | 628 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 2,264 |
| Cost of funding earning assets | 0.9456% | 941 |
| Net interest margin | 3.6121% | 3,339 |
| Noninterest income to average assets | 1.3381% | 511 |
| Noninterest expense to average assets | 3.7749% | 711 |
| Loan and lease loss provision to assets | 0.0542% | 3,087 |
| Net operating income to assets | 0.7769% | 3,894 |
| Return on assets (ROA) | 0.7760% | 3,894 |
| Pretax return on assets | 0.8591% | 4,013 |
| Return on Equity (ROE) | 8.9450% | 3,023 |
| Retained earnings to average equity (ytd only) | 6.7018% | 1,822 |
| Net charge-offs to loans | 0.0395% | 2,613 |
| Credit loss provision to net charge-offs | 177.9661% | 1,590 |
| Earnings coverage of net charge-offs (x) | 29.9944% | 1,602 |
| Efficiency ratio | 80.5020% | 915 |
| Assets per employee ($millions) | 3.8274% | 4,139 |
| Cash dividends to net income (ytd only)* | 25.0777% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5958% | 4,979 |
| Loan loss allowance to noncurrent loans | 24.7809% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 2.1260% | 433 |
| Noncurrent loans to loans | 2.4044% | 521 |
| Net loans and leases to total assets | 78.2887% | 1,231 |
| Net loans and leases to deposits | 102.4379% | 563 |
| Net loans and leases to core deposits | 120.6332% | 524 |
| Total domestic deposits to total assets | 76.4255% | 4,698 |
| Equity capital to assets | 8.8740% | 4,678 |
| Core capital (leverage) ratio | 8.9544% | 4,689 |
| Tier 1 risk-based capital ratio | 11.3454% | 4,796 |
| Total risk-based capital ratio | 11.9480% | 5,001 |
| Memoranda: | ||
| Average total assets | $1,161,328,200 | 660 |
| Average earning assets | $1,077,420,800 | 655 |
| Average equity | $100,749,200 | 847 |
| Average total loans | $896,338,600 | 619 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 2,355 |
| Cost of funding earning assets | 0.8989% | 929 |
| Net interest margin | 3.5854% | 3,414 |
| Noninterest income to average assets | 1.3669% | 513 |
| Noninterest expense to average assets | 3.7245% | 735 |
| Loan and lease loss provision to assets | 0.0438% | 3,116 |
| Net operating income to assets | 0.8264% | 3,819 |
| Return on assets (ROA) | 0.8253% | 3,831 |
| Pretax return on assets | 0.9237% | 3,937 |
| Return on Equity (ROE) | 9.5683% | 2,811 |
| Retained earnings to average equity (ytd only) | 7.7126% | 1,788 |
| Net charge-offs to loans | 0.0591% | 1,980 |
| Credit loss provision to net charge-offs | 96.4467% | 2,346 |
| Earnings coverage of net charge-offs (x) | 21.3528% | 1,926 |
| Efficiency ratio | 79.3587% | 1,002 |
| Assets per employee ($millions) | 3.5158% | 4,542 |
| Cash dividends to net income (ytd only)* | 19.3945% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5741% | 5,080 |
| Loan loss allowance to noncurrent loans | 34.7361% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.4854% | 864 |
| Noncurrent loans to loans | 1.6527% | 949 |
| Net loans and leases to total assets | 78.2311% | 1,310 |
| Net loans and leases to deposits | 99.8372% | 799 |
| Net loans and leases to core deposits | 116.7142% | 683 |
| Total domestic deposits to total assets | 78.3587% | 4,426 |
| Equity capital to assets | 8.7971% | 4,724 |
| Core capital (leverage) ratio | 8.8614% | 4,837 |
| Tier 1 risk-based capital ratio | 12.2652% | 4,342 |
| Total risk-based capital ratio | 12.8880% | 4,604 |
| Memoranda: | ||
| Average total assets | $1,157,904,500 | 660 |
| Average earning assets | $1,074,224,000 | 654 |
| Average equity | $99,868,750 | 847 |
| Average total loans | $889,067,250 | 616 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 2,535 |
| Cost of funding earning assets | 0.8384% | 972 |
| Net interest margin | 3.5233% | 3,560 |
| Noninterest income to average assets | 1.3623% | 519 |
| Noninterest expense to average assets | 3.6852% | 778 |
| Loan and lease loss provision to assets | 0.0224% | 3,467 |
| Net operating income to assets | 0.8224% | 3,781 |
| Return on assets (ROA) | 0.8224% | 3,788 |
| Pretax return on assets | 0.9198% | 3,912 |
| Return on Equity (ROE) | 9.5990% | 2,756 |
| Retained earnings to average equity (ytd only) | 7.3519% | 1,900 |
| Net charge-offs to loans | 0.0175% | 2,565 |
| Credit loss provision to net charge-offs | 168.8312% | 1,460 |
| Earnings coverage of net charge-offs (x) | 70.8701% | 902 |
| Efficiency ratio | 79.6381% | 1,052 |
| Assets per employee ($millions) | 3.6148% | 4,451 |
| Cash dividends to net income (ytd only)* | 23.4096% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 5,133 |
| Loan loss allowance to noncurrent loans | 39.1057% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 975 |
| Noncurrent loans to loans | 1.4887% | 1,127 |
| Net loans and leases to total assets | 76.9141% | 1,479 |
| Net loans and leases to deposits | 101.7889% | 678 |
| Net loans and leases to core deposits | 117.4760% | 656 |
| Total domestic deposits to total assets | 75.5623% | 4,896 |
| Equity capital to assets | 8.5241% | 4,922 |
| Core capital (leverage) ratio | 8.4293% | 5,156 |
| Tier 1 risk-based capital ratio | 11.7511% | 4,652 |
| Total risk-based capital ratio | 12.3893% | 4,884 |
| Memoranda: | ||
| Average total assets | $1,158,305,670 | 662 |
| Average earning assets | $1,073,416,330 | 655 |
| Average equity | $99,239,670 | 851 |
| Average total loans | $882,048,000 | 623 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2508% | 2,707 |
| Cost of funding earning assets | 0.7861% | 1,012 |
| Net interest margin | 3.4648% | 3,660 |
| Noninterest income to average assets | 1.1881% | 647 |
| Noninterest expense to average assets | 3.4141% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8709% | 3,413 |
| Return on assets (ROA) | 0.8709% | 3,430 |
| Pretax return on assets | 0.9812% | 3,598 |
| Return on Equity (ROE) | 10.1388% | 2,363 |
| Retained earnings to average equity (ytd only) | 9.1265% | 1,418 |
| Net charge-offs to loans | -0.0336% | 4,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6767% | 1,384 |
| Assets per employee ($millions) | 3.5269% | 4,635 |
| Cash dividends to net income (ytd only)* | 9.9840% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5946% | 5,192 |
| Loan loss allowance to noncurrent loans | 53.1632% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.1653% | 1,316 |
| Noncurrent loans to loans | 1.1184% | 1,639 |
| Net loans and leases to total assets | 76.2933% | 1,490 |
| Net loans and leases to deposits | 102.9026% | 544 |
| Net loans and leases to core deposits | 118.4307% | 637 |
| Total domestic deposits to total assets | 74.1413% | 5,138 |
| Equity capital to assets | 8.5145% | 4,966 |
| Core capital (leverage) ratio | 8.4013% | 5,205 |
| Tier 1 risk-based capital ratio | 11.8662% | 4,634 |
| Total risk-based capital ratio | 12.5227% | 4,884 |
| Memoranda: | ||
| Average total assets | $1,150,060,000 | 670 |
| Average earning assets | $1,064,545,000 | 662 |
| Average equity | $98,789,000 | 859 |
| Average total loans | $868,634,500 | 635 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 2,822 |
| Cost of funding earning assets | 0.6579% | 1,258 |
| Net interest margin | 3.5065% | 3,505 |
| Noninterest income to average assets | 1.5706% | 426 |
| Noninterest expense to average assets | 3.8550% | 651 |
| Loan and lease loss provision to assets | 0.0827% | 2,547 |
| Net operating income to assets | 0.7963% | 3,175 |
| Return on assets (ROA) | 0.8050% | 3,178 |
| Pretax return on assets | 0.8951% | 3,939 |
| Return on Equity (ROE) | 9.4488% | 2,116 |
| Retained earnings to average equity (ytd only) | 7.1268% | 1,033 |
| Net charge-offs to loans | 0.2232% | 1,160 |
| Credit loss provision to net charge-offs | 50.8242% | 3,322 |
| Earnings coverage of net charge-offs (x) | 5.9478% | 3,250 |
| Efficiency ratio | 79.9273% | 1,112 |
| Assets per employee ($millions) | 3.4961% | 4,703 |
| Cash dividends to net income (ytd only)* | 24.5750% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6206% | 5,206 |
| Loan loss allowance to noncurrent loans | 83.9423% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 1,821 |
| Noncurrent loans to loans | 0.7393% | 2,360 |
| Net loans and leases to total assets | 73.8187% | 1,949 |
| Net loans and leases to deposits | 99.4119% | 778 |
| Net loans and leases to core deposits | 113.1505% | 834 |
| Total domestic deposits to total assets | 74.2554% | 5,157 |
| Equity capital to assets | 8.6671% | 4,978 |
| Core capital (leverage) ratio | 8.6839% | 4,965 |
| Tier 1 risk-based capital ratio | 12.2285% | 4,379 |
| Total risk-based capital ratio | 12.8961% | 4,643 |
| Memoranda: | ||
| Average total assets | $1,118,126,400 | 664 |
| Average earning assets | $1,037,174,200 | 652 |
| Average equity | $95,260,400 | 861 |
| Average total loans | $815,289,600 | 648 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 2,757 |
| Cost of funding earning assets | 0.6503% | 1,240 |
| Net interest margin | 3.5094% | 3,471 |
| Noninterest income to average assets | 1.6883% | 399 |
| Noninterest expense to average assets | 3.8362% | 642 |
| Loan and lease loss provision to assets | 0.0503% | 3,086 |
| Net operating income to assets | 0.7858% | 3,580 |
| Return on assets (ROA) | 0.7928% | 3,598 |
| Pretax return on assets | 1.0724% | 3,413 |
| Return on Equity (ROE) | 9.3474% | 2,418 |
| Retained earnings to average equity (ytd only) | 7.4601% | 1,452 |
| Net charge-offs to loans | 0.1393% | 1,410 |
| Credit loss provision to net charge-offs | 49.7630% | 2,915 |
| Earnings coverage of net charge-offs (x) | 11.0165% | 2,537 |
| Efficiency ratio | 77.5079% | 1,397 |
| Assets per employee ($millions) | 3.4559% | 4,792 |
| Cash dividends to net income (ytd only)* | 20.1903% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6799% | 5,184 |
| Loan loss allowance to noncurrent loans | 88.0592% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8951% | 1,912 |
| Noncurrent loans to loans | 0.7721% | 2,437 |
| Net loans and leases to total assets | 74.6981% | 1,803 |
| Net loans and leases to deposits | 96.3348% | 1,085 |
| Net loans and leases to core deposits | 109.3008% | 1,071 |
| Total domestic deposits to total assets | 77.5401% | 4,800 |
| Equity capital to assets | 8.7408% | 5,126 |
| Core capital (leverage) ratio | 8.4632% | 5,267 |
| Tier 1 risk-based capital ratio | 12.1562% | 4,516 |
| Total risk-based capital ratio | 12.8931% | 4,745 |
| Memoranda: | ||
| Average total assets | $1,113,599,500 | 666 |
| Average earning assets | $1,034,833,250 | 658 |
| Average equity | $94,455,750 | 871 |
| Average total loans | $808,114,250 | 652 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 2,715 |
| Cost of funding earning assets | 0.6342% | 1,231 |
| Net interest margin | 3.5038% | 3,385 |
| Noninterest income to average assets | 1.3446% | 586 |
| Noninterest expense to average assets | 3.7003% | 773 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6885% | 3,895 |
| Return on assets (ROA) | 0.6888% | 3,960 |
| Pretax return on assets | 0.9007% | 3,934 |
| Return on Equity (ROE) | 8.2040% | 2,912 |
| Retained earnings to average equity (ytd only) | 5.9839% | 2,124 |
| Net charge-offs to loans | 0.0795% | 1,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 15.8013% | 2,009 |
| Efficiency ratio | 80.4305% | 1,167 |
| Assets per employee ($millions) | 3.3800% | 4,890 |
| Cash dividends to net income (ytd only)* | 27.0616% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 5,194 |
| Loan loss allowance to noncurrent loans | 137.1934% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 2,572 |
| Noncurrent loans to loans | 0.5150% | 3,210 |
| Net loans and leases to total assets | 73.0755% | 2,026 |
| Net loans and leases to deposits | 93.3024% | 1,330 |
| Net loans and leases to core deposits | 106.1589% | 1,223 |
| Total domestic deposits to total assets | 78.3212% | 4,763 |
| Equity capital to assets | 8.5160% | 5,295 |
| Core capital (leverage) ratio | 8.2751% | 5,371 |
| Tier 1 risk-based capital ratio | 12.0777% | 4,583 |
| Total risk-based capital ratio | 12.8401% | 4,785 |
| Memoranda: | ||
| Average total assets | $1,112,712,670 | 670 |
| Average earning assets | $1,034,008,000 | 661 |
| Average equity | $93,417,670 | 883 |
| Average total loans | $797,641,330 | 660 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 3,328 |
| Cost of funding earning assets | 0.6185% | 1,247 |
| Net interest margin | 3.3004% | 4,007 |
| Noninterest income to average assets | 1.3009% | 605 |
| Noninterest expense to average assets | 3.4197% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7208% | 3,611 |
| Return on assets (ROA) | 0.7217% | 3,655 |
| Pretax return on assets | 0.9484% | 3,591 |
| Return on Equity (ROE) | 8.6583% | 2,581 |
| Retained earnings to average equity (ytd only) | 7.7934% | 1,545 |
| Net charge-offs to loans | 0.1504% | 1,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.9085% | 2,030 |
| Efficiency ratio | 78.3079% | 1,586 |
| Assets per employee ($millions) | 3.4032% | 4,924 |
| Cash dividends to net income (ytd only)* | 9.9900% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 5,256 |
| Loan loss allowance to noncurrent loans | 125.7377% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 2,529 |
| Noncurrent loans to loans | 0.5758% | 3,081 |
| Net loans and leases to total assets | 71.2752% | 2,174 |
| Net loans and leases to deposits | 96.6817% | 875 |
| Net loans and leases to core deposits | 109.2284% | 917 |
| Total domestic deposits to total assets | 73.7216% | 5,437 |
| Equity capital to assets | 8.3408% | 5,334 |
| Core capital (leverage) ratio | 8.1881% | 5,460 |
| Tier 1 risk-based capital ratio | 12.0958% | 4,655 |
| Total risk-based capital ratio | 12.8705% | 4,859 |
| Memoranda: | ||
| Average total assets | $1,109,678,000 | 676 |
| Average earning assets | $1,030,891,500 | 668 |
| Average equity | $92,489,000 | 884 |
| Average total loans | $784,775,500 | 672 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 3,149 |
| Cost of funding earning assets | 0.5800% | 1,486 |
| Net interest margin | 3.4330% | 3,696 |
| Noninterest income to average assets | 1.5729% | 494 |
| Noninterest expense to average assets | 3.8407% | 742 |
| Loan and lease loss provision to assets | 0.0147% | 4,080 |
| Net operating income to assets | 0.6838% | 3,852 |
| Return on assets (ROA) | 0.7225% | 3,791 |
| Pretax return on assets | 0.9466% | 3,666 |
| Return on Equity (ROE) | 8.0694% | 2,899 |
| Retained earnings to average equity (ytd only) | 5.8149% | 1,815 |
| Net charge-offs to loans | -0.0386% | 5,322 |
| Credit loss provision to net charge-offs | -53.1915% | 4,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8361% | 1,325 |
| Assets per employee ($millions) | 3.3526% | 4,976 |
| Cash dividends to net income (ytd only)* | 27.9386% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 5,097 |
| Loan loss allowance to noncurrent loans | 119.2263% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7681% | 2,433 |
| Noncurrent loans to loans | 0.6740% | 2,849 |
| Net loans and leases to total assets | 69.0613% | 2,615 |
| Net loans and leases to deposits | 93.1736% | 1,279 |
| Net loans and leases to core deposits | 105.5694% | 1,161 |
| Total domestic deposits to total assets | 74.1211% | 5,434 |
| Equity capital to assets | 8.3285% | 5,404 |
| Core capital (leverage) ratio | 8.4507% | 5,315 |
| Tier 1 risk-based capital ratio | 12.4365% | 4,416 |
| Total risk-based capital ratio | 13.2904% | 4,588 |
| Memoranda: | ||
| Average total assets | $1,018,550,600 | 707 |
| Average earning assets | $942,971,800 | 700 |
| Average equity | $91,196,800 | 880 |
| Average total loans | $730,016,800 | 688 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,212 |
| Cost of funding earning assets | 0.5756% | 1,514 |
| Net interest margin | 3.4309% | 3,736 |
| Noninterest income to average assets | 1.6334% | 459 |
| Noninterest expense to average assets | 3.7762% | 765 |
| Loan and lease loss provision to assets | 0.0200% | 3,839 |
| Net operating income to assets | 0.7563% | 3,580 |
| Return on assets (ROA) | 0.8023% | 3,495 |
| Pretax return on assets | 1.0732% | 3,340 |
| Return on Equity (ROE) | 8.7922% | 2,607 |
| Retained earnings to average equity (ytd only) | 6.9992% | 1,631 |
| Net charge-offs to loans | 0.0661% | 2,391 |
| Credit loss provision to net charge-offs | 41.8994% | 3,136 |
| Earnings coverage of net charge-offs (x) | 21.6006% | 1,814 |
| Efficiency ratio | 78.5373% | 1,611 |
| Assets per employee ($millions) | 3.2737% | 5,078 |
| Cash dividends to net income (ytd only)* | 20.3926% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7348% | 5,343 |
| Loan loss allowance to noncurrent loans | 80.7438% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 2,112 |
| Noncurrent loans to loans | 0.9100% | 2,427 |
| Net loans and leases to total assets | 71.9597% | 2,201 |
| Net loans and leases to deposits | 91.4320% | 1,572 |
| Net loans and leases to core deposits | 102.3460% | 1,458 |
| Total domestic deposits to total assets | 78.7030% | 4,788 |
| Equity capital to assets | 9.0821% | 5,093 |
| Core capital (leverage) ratio | 8.7907% | 5,062 |
| Tier 1 risk-based capital ratio | 12.8636% | 4,245 |
| Total risk-based capital ratio | 13.6596% | 4,428 |
| Memoranda: | ||
| Average total assets | $999,115,750 | 724 |
| Average earning assets | $924,508,750 | 718 |
| Average equity | $91,169,750 | 885 |
| Average total loans | $721,709,750 | 693 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 3,082 |
| Cost of funding earning assets | 0.5638% | 1,587 |
| Net interest margin | 3.4823% | 3,554 |
| Noninterest income to average assets | 1.5508% | 507 |
| Noninterest expense to average assets | 3.6685% | 920 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8169% | 3,233 |
| Return on assets (ROA) | 0.8383% | 3,275 |
| Pretax return on assets | 1.1329% | 3,073 |
| Return on Equity (ROE) | 9.1719% | 2,419 |
| Retained earnings to average equity (ytd only) | 6.4578% | 1,889 |
| Net charge-offs to loans | 0.0603% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 25.3767% | 1,511 |
| Efficiency ratio | 76.8676% | 1,951 |
| Assets per employee ($millions) | 3.4724% | 4,795 |
| Cash dividends to net income (ytd only)* | 29.5921% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 5,413 |
| Loan loss allowance to noncurrent loans | 214.7162% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 3,187 |
| Noncurrent loans to loans | 0.3480% | 4,126 |
| Net loans and leases to total assets | 72.1122% | 2,146 |
| Net loans and leases to deposits | 92.4263% | 1,459 |
| Net loans and leases to core deposits | 103.6815% | 1,343 |
| Total domestic deposits to total assets | 78.0213% | 4,996 |
| Equity capital to assets | 9.1529% | 5,112 |
| Core capital (leverage) ratio | 8.7413% | 5,119 |
| Tier 1 risk-based capital ratio | 12.8115% | 4,305 |
| Total risk-based capital ratio | 13.6206% | 4,527 |
| Memoranda: | ||
| Average total assets | $988,411,000 | 735 |
| Average earning assets | $914,457,670 | 724 |
| Average equity | $90,340,670 | 889 |
| Average total loans | $713,092,000 | 697 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 3,306 |
| Cost of funding earning assets | 0.5429% | 1,771 |
| Net interest margin | 3.4329% | 3,749 |
| Noninterest income to average assets | 1.4590% | 530 |
| Noninterest expense to average assets | 3.4365% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8716% | 2,891 |
| Return on assets (ROA) | 0.9012% | 2,877 |
| Pretax return on assets | 1.2380% | 2,542 |
| Return on Equity (ROE) | 9.8669% | 2,044 |
| Retained earnings to average equity (ytd only) | 9.1948% | 1,052 |
| Net charge-offs to loans | 0.0547% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 30.4792% | 1,173 |
| Efficiency ratio | 74.1588% | 2,448 |
| Assets per employee ($millions) | 3.4978% | 4,814 |
| Cash dividends to net income (ytd only)* | 6.8120% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7886% | 5,396 |
| Loan loss allowance to noncurrent loans | 144.1615% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 2,724 |
| Noncurrent loans to loans | 0.5470% | 3,544 |
| Net loans and leases to total assets | 71.7417% | 2,080 |
| Net loans and leases to deposits | 93.5027% | 1,193 |
| Net loans and leases to core deposits | 102.3017% | 1,312 |
| Total domestic deposits to total assets | 76.7269% | 5,330 |
| Equity capital to assets | 9.2464% | 4,944 |
| Core capital (leverage) ratio | 8.8741% | 4,990 |
| Tier 1 risk-based capital ratio | 13.0587% | 4,230 |
| Total risk-based capital ratio | 13.9104% | 4,389 |
| Memoranda: | ||
| Average total assets | $977,388,000 | 742 |
| Average earning assets | $903,963,000 | 732 |
| Average equity | $89,268,000 | 895 |
| Average total loans | $702,563,500 | 707 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 3,019 |
| Cost of funding earning assets | 0.5403% | 1,841 |
| Net interest margin | 3.5349% | 3,396 |
| Noninterest income to average assets | 1.4207% | 598 |
| Noninterest expense to average assets | 3.6835% | 1,000 |
| Loan and lease loss provision to assets | 0.0981% | 2,352 |
| Net operating income to assets | 0.6913% | 3,858 |
| Return on assets (ROA) | 0.7027% | 3,907 |
| Pretax return on assets | 0.8961% | 3,852 |
| Return on Equity (ROE) | 7.8036% | 3,069 |
| Retained earnings to average equity (ytd only) | 6.0496% | 1,769 |
| Net charge-offs to loans | 0.2932% | 1,037 |
| Credit loss provision to net charge-offs | 45.4312% | 3,465 |
| Earnings coverage of net charge-offs (x) | 4.5364% | 3,538 |
| Efficiency ratio | 78.9940% | 1,819 |
| Assets per employee ($millions) | 3.5863% | 4,661 |
| Cash dividends to net income (ytd only)* | 22.4763% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 5,352 |
| Loan loss allowance to noncurrent loans | 160.9088% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 2,961 |
| Noncurrent loans to loans | 0.5102% | 3,654 |
| Net loans and leases to total assets | 70.8601% | 2,231 |
| Net loans and leases to deposits | 94.0050% | 1,201 |
| Net loans and leases to core deposits | 102.5446% | 1,323 |
| Total domestic deposits to total assets | 75.3790% | 5,513 |
| Equity capital to assets | 9.0190% | 5,103 |
| Core capital (leverage) ratio | 9.2009% | 4,617 |
| Tier 1 risk-based capital ratio | 13.1067% | 4,240 |
| Total risk-based capital ratio | 13.9977% | 4,386 |
| Memoranda: | ||
| Average total assets | $902,174,200 | 760 |
| Average earning assets | $827,528,400 | 753 |
| Average equity | $81,244,400 | 935 |
| Average total loans | $664,495,800 | 708 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1326% | 2,802 |
| Cost of funding earning assets | 0.5511% | 1,795 |
| Net interest margin | 3.5815% | 3,232 |
| Noninterest income to average assets | 1.4595% | 575 |
| Noninterest expense to average assets | 3.6891% | 995 |
| Loan and lease loss provision to assets | 0.0776% | 2,629 |
| Net operating income to assets | 0.7444% | 3,707 |
| Return on assets (ROA) | 0.7597% | 3,736 |
| Pretax return on assets | 0.9928% | 3,639 |
| Return on Equity (ROE) | 8.4392% | 2,851 |
| Retained earnings to average equity (ytd only) | 7.3845% | 1,504 |
| Net charge-offs to loans | 0.2417% | 1,079 |
| Credit loss provision to net charge-offs | 43.2410% | 3,123 |
| Earnings coverage of net charge-offs (x) | 5.8531% | 3,144 |
| Efficiency ratio | 77.8354% | 1,965 |
| Assets per employee ($millions) | 3.6078% | 4,593 |
| Cash dividends to net income (ytd only)* | 12.4975% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 5,265 |
| Loan loss allowance to noncurrent loans | 179.9054% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 3,041 |
| Noncurrent loans to loans | 0.4912% | 3,876 |
| Net loans and leases to total assets | 75.1130% | 1,527 |
| Net loans and leases to deposits | 92.7941% | 1,330 |
| Net loans and leases to core deposits | 100.5902% | 1,465 |
| Total domestic deposits to total assets | 80.9459% | 4,489 |
| Equity capital to assets | 9.0231% | 5,289 |
| Core capital (leverage) ratio | 8.7596% | 5,290 |
| Tier 1 risk-based capital ratio | 12.3947% | 4,826 |
| Total risk-based capital ratio | 13.3637% | 4,925 |
| Memoranda: | ||
| Average total assets | $884,747,000 | 786 |
| Average earning assets | $810,282,750 | 776 |
| Average equity | $79,642,000 | 960 |
| Average total loans | $657,025,250 | 717 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 2,953 |
| Cost of funding earning assets | 0.5644% | 1,689 |
| Net interest margin | 3.5200% | 3,415 |
| Noninterest income to average assets | 1.3835% | 654 |
| Noninterest expense to average assets | 3.6032% | 1,120 |
| Loan and lease loss provision to assets | 0.0376% | 3,367 |
| Net operating income to assets | 0.7395% | 3,688 |
| Return on assets (ROA) | 0.7627% | 3,679 |
| Pretax return on assets | 0.9916% | 3,617 |
| Return on Equity (ROE) | 8.4800% | 2,807 |
| Retained earnings to average equity (ytd only) | 6.8819% | 1,749 |
| Net charge-offs to loans | 0.2868% | 915 |
| Credit loss provision to net charge-offs | 17.7994% | 3,036 |
| Earnings coverage of net charge-offs (x) | 4.7238% | 3,006 |
| Efficiency ratio | 78.2917% | 2,027 |
| Assets per employee ($millions) | 3.4933% | 4,802 |
| Cash dividends to net income (ytd only)* | 18.8453% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 5,287 |
| Loan loss allowance to noncurrent loans | 169.1657% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 2,954 |
| Noncurrent loans to loans | 0.5345% | 3,854 |
| Net loans and leases to total assets | 74.7191% | 1,548 |
| Net loans and leases to deposits | 91.0383% | 1,479 |
| Net loans and leases to core deposits | 98.1222% | 1,646 |
| Total domestic deposits to total assets | 82.0743% | 4,275 |
| Equity capital to assets | 9.0831% | 5,163 |
| Core capital (leverage) ratio | 8.8808% | 5,117 |
| Tier 1 risk-based capital ratio | 11.7014% | 5,342 |
| Total risk-based capital ratio | 12.6052% | 5,470 |
| Memoranda: | ||
| Average total assets | $876,605,670 | 798 |
| Average earning assets | $801,595,000 | 786 |
| Average equity | $78,844,330 | 975 |
| Average total loans | $646,369,000 | 723 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 2,953 |
| Cost of funding earning assets | 0.5787% | 1,586 |
| Net interest margin | 3.4912% | 3,474 |
| Noninterest income to average assets | 1.1693% | 839 |
| Noninterest expense to average assets | 3.4218% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7254% | 3,664 |
| Return on assets (ROA) | 0.7627% | 3,602 |
| Pretax return on assets | 0.9850% | 3,558 |
| Return on Equity (ROE) | 8.5226% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.5226% | 1,369 |
| Net charge-offs to loans | 0.3651% | 671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.5189% | 2,594 |
| Efficiency ratio | 78.5122% | 2,113 |
| Assets per employee ($millions) | 3.5456% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 5,252 |
| Loan loss allowance to noncurrent loans | 133.2328% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 2,652 |
| Noncurrent loans to loans | 0.7128% | 3,487 |
| Net loans and leases to total assets | 73.3313% | 1,593 |
| Net loans and leases to deposits | 90.1176% | 1,375 |
| Net loans and leases to core deposits | 96.7483% | 1,571 |
| Total domestic deposits to total assets | 81.3729% | 4,715 |
| Equity capital to assets | 9.0222% | 5,259 |
| Core capital (leverage) ratio | 8.7951% | 5,208 |
| Tier 1 risk-based capital ratio | 11.6909% | 5,439 |
| Total risk-based capital ratio | 12.6334% | 5,527 |
| Memoranda: | ||
| Average total assets | $874,746,500 | 806 |
| Average earning assets | $799,038,500 | 794 |
| Average equity | $78,286,000 | 979 |
| Average total loans | $637,667,500 | 731 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1165% | 3,264 |
| Cost of funding earning assets | 0.5696% | 2,051 |
| Net interest margin | 3.5469% | 3,614 |
| Noninterest income to average assets | 1.0051% | 1,201 |
| Noninterest expense to average assets | 3.4177% | 1,662 |
| Loan and lease loss provision to assets | 0.0489% | 3,591 |
| Net operating income to assets | 0.6217% | 4,264 |
| Return on assets (ROA) | 0.6529% | 4,231 |
| Pretax return on assets | 0.8202% | 4,193 |
| Return on Equity (ROE) | 7.4577% | 3,393 |
| Retained earnings to average equity (ytd only) | 5.7550% | 2,096 |
| Net charge-offs to loans | 0.0370% | 4,096 |
| Credit loss provision to net charge-offs | 186.6359% | 1,314 |
| Earnings coverage of net charge-offs (x) | 31.6912% | 1,280 |
| Efficiency ratio | 80.4581% | 1,855 |
| Assets per employee ($millions) | 3.5958% | 4,726 |
| Cash dividends to net income (ytd only)* | 22.8323% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,624 |
| Loan loss allowance to noncurrent loans | 98.4284% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 2,469 |
| Noncurrent loans to loans | 1.1007% | 2,627 |
| Net loans and leases to total assets | 70.9712% | 2,080 |
| Net loans and leases to deposits | 90.2691% | 1,493 |
| Net loans and leases to core deposits | 95.3662% | 1,775 |
| Total domestic deposits to total assets | 78.6219% | 5,325 |
| Equity capital to assets | 8.8761% | 5,403 |
| Core capital (leverage) ratio | 8.9046% | 5,114 |
| Tier 1 risk-based capital ratio | 11.5393% | 5,636 |
| Total risk-based capital ratio | 12.5936% | 5,664 |
| Memoranda: | ||
| Average total assets | $828,443,600 | 813 |
| Average earning assets | $757,387,800 | 809 |
| Average equity | $72,528,600 | 1,010 |
| Average total loans | $586,333,000 | 750 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 3,295 |
| Cost of funding earning assets | 0.6010% | 1,822 |
| Net interest margin | 3.5192% | 3,756 |
| Noninterest income to average assets | 0.9675% | 1,320 |
| Noninterest expense to average assets | 3.3652% | 1,754 |
| Loan and lease loss provision to assets | 0.0660% | 3,029 |
| Net operating income to assets | 0.6113% | 4,393 |
| Return on assets (ROA) | 0.6290% | 4,411 |
| Pretax return on assets | 0.7729% | 4,462 |
| Return on Equity (ROE) | 7.2111% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.8377% | 2,510 |
| Net charge-offs to loans | 0.1916% | 1,937 |
| Credit loss provision to net charge-offs | 48.8540% | 3,124 |
| Earnings coverage of net charge-offs (x) | 6.0470% | 3,150 |
| Efficiency ratio | 80.4630% | 1,850 |
| Assets per employee ($millions) | 3.6227% | 4,628 |
| Cash dividends to net income (ytd only)* | 19.0465% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 5,102 |
| Loan loss allowance to noncurrent loans | 93.4660% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.2351% | 2,489 |
| Noncurrent loans to loans | 1.0964% | 2,875 |
| Net loans and leases to total assets | 70.9917% | 2,027 |
| Net loans and leases to deposits | 87.3739% | 1,745 |
| Net loans and leases to core deposits | 92.6129% | 1,986 |
| Total domestic deposits to total assets | 81.2505% | 4,749 |
| Equity capital to assets | 9.0930% | 5,259 |
| Core capital (leverage) ratio | 8.9377% | 5,141 |
| Tier 1 risk-based capital ratio | 11.7508% | 5,641 |
| Total risk-based capital ratio | 12.7412% | 5,728 |
| Memoranda: | ||
| Average total assets | $818,007,500 | 831 |
| Average earning assets | $747,232,500 | 826 |
| Average equity | $71,351,000 | 1,032 |
| Average total loans | $576,829,500 | 764 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 3,304 |
| Cost of funding earning assets | 0.6001% | 1,897 |
| Net interest margin | 3.5082% | 3,753 |
| Noninterest income to average assets | 0.8426% | 1,691 |
| Noninterest expense to average assets | 3.2602% | 2,016 |
| Loan and lease loss provision to assets | 0.0998% | 2,359 |
| Net operating income to assets | 0.5766% | 4,473 |
| Return on assets (ROA) | 0.5977% | 4,461 |
| Pretax return on assets | 0.7128% | 4,598 |
| Return on Equity (ROE) | 6.9543% | 3,644 |
| Retained earnings to average equity (ytd only) | 5.2200% | 2,817 |
| Net charge-offs to loans | 0.1279% | 2,388 |
| Credit loss provision to net charge-offs | 111.2637% | 1,799 |
| Earnings coverage of net charge-offs (x) | 8.7802% | 2,446 |
| Efficiency ratio | 80.5454% | 1,940 |
| Assets per employee ($millions) | 3.9319% | 3,994 |
| Cash dividends to net income (ytd only)* | 24.9382% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 4,744 |
| Loan loss allowance to noncurrent loans | 98.2042% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2966% | 2,522 |
| Noncurrent loans to loans | 1.1547% | 2,920 |
| Net loans and leases to total assets | 70.5429% | 1,995 |
| Net loans and leases to deposits | 84.2131% | 2,015 |
| Net loans and leases to core deposits | 89.1853% | 2,193 |
| Total domestic deposits to total assets | 83.7671% | 4,009 |
| Equity capital to assets | 8.7325% | 5,587 |
| Core capital (leverage) ratio | 8.4454% | 5,692 |
| Tier 1 risk-based capital ratio | 11.1573% | 5,984 |
| Total risk-based capital ratio | 12.2374% | 6,001 |
| Memoranda: | ||
| Average total assets | $811,725,330 | 837 |
| Average earning assets | $741,566,330 | 828 |
| Average equity | $69,769,670 | 1,044 |
| Average total loans | $569,023,330 | 769 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,316 |
| Cost of funding earning assets | 0.5943% | 2,022 |
| Net interest margin | 3.4967% | 3,711 |
| Noninterest income to average assets | 0.6885% | 2,233 |
| Noninterest expense to average assets | 3.1573% | 2,357 |
| Loan and lease loss provision to assets | 0.0025% | 3,790 |
| Net operating income to assets | 0.6257% | 4,061 |
| Return on assets (ROA) | 0.6257% | 4,148 |
| Pretax return on assets | 0.7271% | 4,398 |
| Return on Equity (ROE) | 7.3391% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.1071% | 1,978 |
| Net charge-offs to loans | 0.1695% | 1,705 |
| Credit loss provision to net charge-offs | 2.1008% | 2,672 |
| Earnings coverage of net charge-offs (x) | 6.1975% | 2,259 |
| Efficiency ratio | 81.2293% | 2,024 |
| Assets per employee ($millions) | 3.7945% | 4,341 |
| Cash dividends to net income (ytd only)* | 3.1621% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 5,076 |
| Loan loss allowance to noncurrent loans | 167.6712% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 1.0316% | 3,191 |
| Noncurrent loans to loans | 0.6626% | 4,210 |
| Net loans and leases to total assets | 69.8551% | 1,915 |
| Net loans and leases to deposits | 83.7730% | 1,845 |
| Net loans and leases to core deposits | 88.5870% | 2,037 |
| Total domestic deposits to total assets | 83.3862% | 4,482 |
| Equity capital to assets | 8.6699% | 5,471 |
| Core capital (leverage) ratio | 8.5855% | 5,539 |
| Tier 1 risk-based capital ratio | 11.5158% | 5,907 |
| Total risk-based capital ratio | 12.5791% | 5,955 |
| Memoranda: | ||
| Average total assets | $808,668,500 | 848 |
| Average earning assets | $739,667,500 | 839 |
| Average equity | $68,945,500 | 1,056 |
| Average total loans | $561,763,000 | 780 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 3,620 |
| Cost of funding earning assets | 0.6356% | 2,334 |
| Net interest margin | 3.4951% | 3,932 |
| Noninterest income to average assets | 1.1611% | 1,045 |
| Noninterest expense to average assets | 3.4972% | 1,658 |
| Loan and lease loss provision to assets | 0.1199% | 2,817 |
| Net operating income to assets | 0.5928% | 4,300 |
| Return on assets (ROA) | 0.6525% | 4,123 |
| Pretax return on assets | 0.8054% | 4,124 |
| Return on Equity (ROE) | 7.5376% | 3,276 |
| Retained earnings to average equity (ytd only) | 5.7045% | 2,157 |
| Net charge-offs to loans | 0.4794% | 1,388 |
| Credit loss provision to net charge-offs | 36.7019% | 4,107 |
| Earnings coverage of net charge-offs (x) | 2.6067% | 4,128 |
| Efficiency ratio | 80.4167% | 2,083 |
| Assets per employee ($millions) | 3.7986% | 4,267 |
| Cash dividends to net income (ytd only)* | 24.3185% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 4,713 |
| Loan loss allowance to noncurrent loans | 207.9039% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 1.2973% | 2,826 |
| Noncurrent loans to loans | 0.5724% | 4,553 |
| Net loans and leases to total assets | 67.4839% | 2,438 |
| Net loans and leases to deposits | 83.2047% | 2,032 |
| Net loans and leases to core deposits | 87.9632% | 2,250 |
| Total domestic deposits to total assets | 81.1059% | 5,139 |
| Equity capital to assets | 8.3819% | 5,710 |
| Core capital (leverage) ratio | 8.6778% | 5,439 |
| Tier 1 risk-based capital ratio | 11.5845% | 5,862 |
| Total risk-based capital ratio | 12.7138% | 5,863 |
| Memoranda: | ||
| Average total assets | $781,430,800 | 859 |
| Average earning assets | $712,716,400 | 851 |
| Average equity | $67,647,800 | 1,055 |
| Average total loans | $532,557,400 | 798 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 3,600 |
| Cost of funding earning assets | 0.6466% | 2,388 |
| Net interest margin | 3.4943% | 3,907 |
| Noninterest income to average assets | 1.3539% | 795 |
| Noninterest expense to average assets | 3.5511% | 1,491 |
| Loan and lease loss provision to assets | 0.0248% | 4,513 |
| Net operating income to assets | 0.7447% | 3,627 |
| Return on assets (ROA) | 0.7900% | 3,527 |
| Pretax return on assets | 1.0234% | 3,405 |
| Return on Equity (ROE) | 9.0504% | 2,606 |
| Retained earnings to average equity (ytd only) | 7.6304% | 1,575 |
| Net charge-offs to loans | 0.4633% | 1,384 |
| Credit loss provision to net charge-offs | 7.8560% | 4,243 |
| Earnings coverage of net charge-offs (x) | 3.1353% | 3,790 |
| Efficiency ratio | 78.2104% | 2,388 |
| Assets per employee ($millions) | 3.5651% | 4,727 |
| Cash dividends to net income (ytd only)* | 15.6898% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 4,840 |
| Loan loss allowance to noncurrent loans | 111.0675% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.6875% | 2,439 |
| Noncurrent loans to loans | 1.0840% | 3,626 |
| Net loans and leases to total assets | 68.9789% | 2,146 |
| Net loans and leases to deposits | 82.2688% | 2,110 |
| Net loans and leases to core deposits | 86.9455% | 2,290 |
| Total domestic deposits to total assets | 83.8457% | 4,258 |
| Equity capital to assets | 8.8265% | 5,391 |
| Core capital (leverage) ratio | 8.8283% | 5,363 |
| Tier 1 risk-based capital ratio | 11.9870% | 5,785 |
| Total risk-based capital ratio | 13.1426% | 5,786 |
| Memoranda: | ||
| Average total assets | $774,510,750 | 870 |
| Average earning assets | $706,269,750 | 860 |
| Average equity | $67,605,000 | 1,064 |
| Average total loans | $527,547,750 | 800 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 3,685 |
| Cost of funding earning assets | 0.6574% | 2,437 |
| Net interest margin | 3.4559% | 3,979 |
| Noninterest income to average assets | 1.3118% | 903 |
| Noninterest expense to average assets | 3.4695% | 1,677 |
| Loan and lease loss provision to assets | 0.0372% | 4,205 |
| Net operating income to assets | 0.7430% | 3,606 |
| Return on assets (ROA) | 0.8118% | 3,385 |
| Pretax return on assets | 1.0431% | 3,319 |
| Return on Equity (ROE) | 9.3353% | 2,477 |
| Retained earnings to average equity (ytd only) | 7.1981% | 1,793 |
| Net charge-offs to loans | 0.2152% | 2,473 |
| Credit loss provision to net charge-offs | 25.5773% | 3,655 |
| Earnings coverage of net charge-offs (x) | 6.8259% | 2,643 |
| Efficiency ratio | 77.7656% | 2,499 |
| Assets per employee ($millions) | 3.5009% | 4,852 |
| Cash dividends to net income (ytd only)* | 22.8935% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4638% | 3,749 |
| Loan loss allowance to noncurrent loans | 97.1989% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.9709% | 2,188 |
| Noncurrent loans to loans | 1.5060% | 3,043 |
| Net loans and leases to total assets | 69.1960% | 2,035 |
| Net loans and leases to deposits | 82.4722% | 1,998 |
| Net loans and leases to core deposits | 87.2313% | 2,200 |
| Total domestic deposits to total assets | 83.9022% | 4,365 |
| Equity capital to assets | 8.8508% | 5,387 |
| Core capital (leverage) ratio | 8.7578% | 5,347 |
| Tier 1 risk-based capital ratio | 11.8840% | 5,859 |
| Total risk-based capital ratio | 13.1375% | 5,813 |
| Memoranda: | ||
| Average total assets | $774,804,670 | 869 |
| Average earning assets | $706,157,330 | 864 |
| Average equity | $67,378,670 | 1,071 |
| Average total loans | $523,349,000 | 803 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 3,640 |
| Cost of funding earning assets | 0.6705% | 2,476 |
| Net interest margin | 3.4509% | 3,902 |
| Noninterest income to average assets | 1.4518% | 732 |
| Noninterest expense to average assets | 3.3128% | 2,053 |
| Loan and lease loss provision to assets | 0.0372% | 3,968 |
| Net operating income to assets | 0.9452% | 2,451 |
| Return on assets (ROA) | 0.9468% | 2,592 |
| Pretax return on assets | 1.2309% | 2,467 |
| Return on Equity (ROE) | 10.9816% | 1,718 |
| Retained earnings to average equity (ytd only) | 10.3899% | 1,008 |
| Net charge-offs to loans | 0.1686% | 2,392 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 1,666 |
| Efficiency ratio | 72.3485% | 3,556 |
| Assets per employee ($millions) | 3.5251% | 4,931 |
| Cash dividends to net income (ytd only)* | 5.3879% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 3,604 |
| Loan loss allowance to noncurrent loans | 91.0696% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 2.2833% | 2,041 |
| Noncurrent loans to loans | 1.7047% | 2,989 |
| Net loans and leases to total assets | 67.0098% | 2,194 |
| Net loans and leases to deposits | 80.7380% | 1,982 |
| Net loans and leases to core deposits | 85.1778% | 2,193 |
| Total domestic deposits to total assets | 82.9966% | 4,855 |
| Equity capital to assets | 8.9752% | 5,515 |
| Core capital (leverage) ratio | 8.4295% | 5,664 |
| Tier 1 risk-based capital ratio | 11.9917% | 5,918 |
| Total risk-based capital ratio | 13.2462% | 5,877 |
| Memoranda: | ||
| Average total assets | $784,115,000 | 867 |
| Average earning assets | $710,539,000 | 865 |
| Average equity | $67,604,000 | 1,077 |
| Average total loans | $519,512,500 | 813 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 3,086 |
| Cost of funding earning assets | 0.8407% | 2,359 |
| Net interest margin | 3.7369% | 3,493 |
| Noninterest income to average assets | 1.5744% | 638 |
| Noninterest expense to average assets | 3.4570% | 1,933 |
| Loan and lease loss provision to assets | 0.8188% | 581 |
| Net operating income to assets | 0.5041% | 4,679 |
| Return on assets (ROA) | 0.7272% | 3,862 |
| Pretax return on assets | 0.9417% | 3,774 |
| Return on Equity (ROE) | 8.2092% | 2,999 |
| Retained earnings to average equity (ytd only) | 6.3861% | 1,884 |
| Net charge-offs to loans | 0.5996% | 1,936 |
| Credit loss provision to net charge-offs | 198.6535% | 1,311 |
| Earnings coverage of net charge-offs (x) | 3.5685% | 3,680 |
| Efficiency ratio | 70.1516% | 3,786 |
| Assets per employee ($millions) | 3.8238% | 4,319 |
| Cash dividends to net income (ytd only)* | 22.2077% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 3,428 |
| Loan loss allowance to noncurrent loans | 182.9797% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 1.7792% | 2,738 |
| Noncurrent loans to loans | 0.8597% | 4,462 |
| Net loans and leases to total assets | 63.5294% | 2,972 |
| Net loans and leases to deposits | 80.8294% | 2,173 |
| Net loans and leases to core deposits | 85.5667% | 2,365 |
| Total domestic deposits to total assets | 78.5968% | 5,971 |
| Equity capital to assets | 8.2881% | 6,210 |
| Core capital (leverage) ratio | 8.4984% | 5,611 |
| Tier 1 risk-based capital ratio | 11.5403% | 6,071 |
| Total risk-based capital ratio | 12.7948% | 6,035 |
| Memoranda: | ||
| Average total assets | $738,742,800 | 901 |
| Average earning assets | $662,931,800 | 909 |
| Average equity | $65,439,000 | 1,081 |
| Average total loans | $507,877,400 | 816 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 2,998 |
| Cost of funding earning assets | 0.8911% | 2,233 |
| Net interest margin | 3.7620% | 3,501 |
| Noninterest income to average assets | 1.6832% | 547 |
| Noninterest expense to average assets | 3.4718% | 1,824 |
| Loan and lease loss provision to assets | 0.8744% | 515 |
| Net operating income to assets | 0.5220% | 4,747 |
| Return on assets (ROA) | 0.7702% | 3,859 |
| Pretax return on assets | 1.0604% | 3,499 |
| Return on Equity (ROE) | 8.5409% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.1519% | 2,030 |
| Net charge-offs to loans | 0.5873% | 1,866 |
| Credit loss provision to net charge-offs | 212.9105% | 1,303 |
| Earnings coverage of net charge-offs (x) | 3.8835% | 3,475 |
| Efficiency ratio | 68.5226% | 3,955 |
| Assets per employee ($millions) | 3.5606% | 4,826 |
| Cash dividends to net income (ytd only)* | 16.2629% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 3,931 |
| Loan loss allowance to noncurrent loans | 110.8567% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 2.3804% | 2,235 |
| Noncurrent loans to loans | 1.3579% | 3,752 |
| Net loans and leases to total assets | 68.3449% | 2,241 |
| Net loans and leases to deposits | 82.1593% | 2,096 |
| Net loans and leases to core deposits | 87.4867% | 2,280 |
| Total domestic deposits to total assets | 83.1858% | 4,566 |
| Equity capital to assets | 9.0277% | 5,800 |
| Core capital (leverage) ratio | 8.4664% | 5,799 |
| Tier 1 risk-based capital ratio | 11.9108% | 5,987 |
| Total risk-based capital ratio | 13.1653% | 5,973 |
| Memoranda: | ||
| Average total assets | $721,723,750 | 925 |
| Average earning assets | $649,103,000 | 933 |
| Average equity | $65,081,250 | 1,092 |
| Average total loans | $504,657,000 | 826 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 3,206 |
| Cost of funding earning assets | 0.9250% | 2,226 |
| Net interest margin | 3.7119% | 3,758 |
| Noninterest income to average assets | 1.6595% | 540 |
| Noninterest expense to average assets | 3.4320% | 1,953 |
| Loan and lease loss provision to assets | 0.7792% | 655 |
| Net operating income to assets | 0.5728% | 4,483 |
| Return on assets (ROA) | 0.7943% | 3,667 |
| Pretax return on assets | 1.0979% | 3,309 |
| Return on Equity (ROE) | 8.8118% | 2,893 |
| Retained earnings to average equity (ytd only) | 6.9293% | 2,144 |
| Net charge-offs to loans | 0.8722% | 1,265 |
| Credit loss provision to net charge-offs | 127.4304% | 2,159 |
| Earnings coverage of net charge-offs (x) | 2.5669% | 3,729 |
| Efficiency ratio | 68.6178% | 4,018 |
| Assets per employee ($millions) | 3.7246% | 4,468 |
| Cash dividends to net income (ytd only)* | 21.3633% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 5,662 |
| Loan loss allowance to noncurrent loans | 123.3752% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 2.5246% | 2,217 |
| Noncurrent loans to loans | 0.9136% | 4,672 |
| Net loans and leases to total assets | 69.5704% | 1,994 |
| Net loans and leases to deposits | 83.4038% | 1,932 |
| Net loans and leases to core deposits | 89.9774% | 1,988 |
| Total domestic deposits to total assets | 83.4140% | 4,573 |
| Equity capital to assets | 8.9645% | 5,737 |
| Core capital (leverage) ratio | 8.6528% | 5,445 |
| Tier 1 risk-based capital ratio | 11.6654% | 6,130 |
| Total risk-based capital ratio | 12.7640% | 6,186 |
| Memoranda: | ||
| Average total assets | $716,614,670 | 929 |
| Average earning assets | $645,223,330 | 937 |
| Average equity | $64,595,330 | 1,093 |
| Average total loans | $502,397,330 | 824 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 3,241 |
| Cost of funding earning assets | 0.9696% | 2,159 |
| Net interest margin | 3.6844% | 3,905 |
| Noninterest income to average assets | 2.1242% | 369 |
| Noninterest expense to average assets | 3.1581% | 2,741 |
| Loan and lease loss provision to assets | 1.2210% | 310 |
| Net operating income to assets | 0.7846% | 3,446 |
| Return on assets (ROA) | 0.7854% | 3,682 |
| Pretax return on assets | 1.0841% | 3,387 |
| Return on Equity (ROE) | 8.6891% | 2,956 |
| Retained earnings to average equity (ytd only) | 7.7853% | 2,057 |
| Net charge-offs to loans | 1.5484% | 649 |
| Credit loss provision to net charge-offs | 112.6885% | 2,093 |
| Earnings coverage of net charge-offs (x) | 2.1264% | 3,305 |
| Efficiency ratio | 57.8193% | 5,938 |
| Assets per employee ($millions) | 3.7916% | 4,441 |
| Cash dividends to net income (ytd only)* | 10.4017% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 5,881 |
| Loan loss allowance to noncurrent loans | 154.1714% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 2.6336% | 2,245 |
| Noncurrent loans to loans | 0.7181% | 5,225 |
| Net loans and leases to total assets | 68.4431% | 2,030 |
| Net loans and leases to deposits | 85.9090% | 1,432 |
| Net loans and leases to core deposits | 92.8906% | 1,559 |
| Total domestic deposits to total assets | 79.6692% | 5,927 |
| Equity capital to assets | 9.1368% | 5,313 |
| Core capital (leverage) ratio | 8.8289% | 5,097 |
| Tier 1 risk-based capital ratio | 12.4482% | 5,648 |
| Total risk-based capital ratio | 13.5288% | 5,737 |
| Memoranda: | ||
| Average total assets | $709,915,500 | 937 |
| Average earning assets | $643,143,500 | 938 |
| Average equity | $64,172,000 | 1,098 |
| Average total loans | $496,764,500 | 835 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 3,387 |
| Cost of funding earning assets | 1.1413% | 2,404 |
| Net interest margin | 3.7526% | 4,068 |
| Noninterest income to average assets | 0.7944% | 2,092 |
| Noninterest expense to average assets | 3.0562% | 3,367 |
| Loan and lease loss provision to assets | 0.6908% | 1,480 |
| Net operating income to assets | 0.3498% | 5,068 |
| Return on assets (ROA) | 0.4942% | 4,659 |
| Pretax return on assets | 0.6901% | 4,359 |
| Return on Equity (ROE) | 5.4869% | 4,142 |
| Retained earnings to average equity (ytd only) | 3.5855% | 3,672 |
| Net charge-offs to loans | 1.0449% | 1,663 |
| Credit loss provision to net charge-offs | 93.6951% | 3,846 |
| Earnings coverage of net charge-offs (x) | 1.6008% | 4,571 |
| Efficiency ratio | 72.1405% | 3,545 |
| Assets per employee ($millions) | 3.8631% | 4,175 |
| Cash dividends to net income (ytd only)* | 34.6535% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 6,063 |
| Loan loss allowance to noncurrent loans | 211.6232% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 2.4330% | 2,502 |
| Noncurrent loans to loans | 0.4877% | 5,735 |
| Net loans and leases to total assets | 70.0091% | 2,026 |
| Net loans and leases to deposits | 88.0806% | 1,369 |
| Net loans and leases to core deposits | 96.5084% | 1,455 |
| Total domestic deposits to total assets | 79.4829% | 5,874 |
| Equity capital to assets | 8.9422% | 5,619 |
| Core capital (leverage) ratio | 9.1159% | 4,590 |
| Tier 1 risk-based capital ratio | 12.1673% | 5,711 |
| Total risk-based capital ratio | 13.1944% | 5,842 |
| Memoranda: | ||
| Average total assets | $694,856,400 | 940 |
| Average earning assets | $637,339,400 | 930 |
| Average equity | $62,585,000 | 1,076 |
| Average total loans | $490,271,600 | 852 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8968% | 3,576 |
| Cost of funding earning assets | 1.1791% | 2,453 |
| Net interest margin | 3.7176% | 4,258 |
| Noninterest income to average assets | 0.7694% | 2,197 |
| Noninterest expense to average assets | 2.9917% | 3,583 |
| Loan and lease loss provision to assets | 0.2260% | 3,752 |
| Net operating income to assets | 0.6631% | 3,805 |
| Return on assets (ROA) | 0.8044% | 3,304 |
| Pretax return on assets | 1.1987% | 2,640 |
| Return on Equity (ROE) | 8.9142% | 2,637 |
| Retained earnings to average equity (ytd only) | 7.5775% | 1,673 |
| Net charge-offs to loans | 0.5211% | 2,669 |
| Credit loss provision to net charge-offs | 61.5021% | 4,761 |
| Earnings coverage of net charge-offs (x) | 3.3030% | 3,490 |
| Efficiency ratio | 71.1395% | 3,711 |
| Assets per employee ($millions) | 3.6505% | 4,640 |
| Cash dividends to net income (ytd only)* | 14.9952% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 6,419 |
| Loan loss allowance to noncurrent loans | 143.9892% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 2.8134% | 2,307 |
| Noncurrent loans to loans | 0.6674% | 5,549 |
| Net loans and leases to total assets | 72.9291% | 1,524 |
| Net loans and leases to deposits | 90.2277% | 1,188 |
| Net loans and leases to core deposits | 98.6170% | 1,378 |
| Total domestic deposits to total assets | 80.8279% | 5,491 |
| Equity capital to assets | 9.6190% | 4,908 |
| Core capital (leverage) ratio | 9.4259% | 4,259 |
| Tier 1 risk-based capital ratio | 12.7748% | 5,272 |
| Total risk-based capital ratio | 13.7467% | 5,485 |
| Memoranda: | ||
| Average total assets | $690,868,500 | 953 |
| Average earning assets | $638,526,250 | 936 |
| Average equity | $62,340,750 | 1,088 |
| Average total loans | $487,134,750 | 872 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 3,782 |
| Cost of funding earning assets | 1.2034% | 2,560 |
| Net interest margin | 3.6613% | 4,463 |
| Noninterest income to average assets | 0.7074% | 2,511 |
| Noninterest expense to average assets | 2.8625% | 4,172 |
| Loan and lease loss provision to assets | 0.2086% | 3,834 |
| Net operating income to assets | 0.6692% | 3,693 |
| Return on assets (ROA) | 0.8132% | 3,138 |
| Pretax return on assets | 1.2413% | 2,339 |
| Return on Equity (ROE) | 9.2082% | 2,432 |
| Retained earnings to average equity (ytd only) | 7.1746% | 1,797 |
| Net charge-offs to loans | 0.4502% | 2,775 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 3.9366% | 3,011 |
| Efficiency ratio | 69.9137% | 4,141 |
| Assets per employee ($millions) | 3.8228% | 4,142 |
| Cash dividends to net income (ytd only)* | 22.0848% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 6,079 |
| Loan loss allowance to noncurrent loans | 141.6117% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 2.9467% | 2,272 |
| Noncurrent loans to loans | 0.7515% | 5,404 |
| Net loans and leases to total assets | 72.3765% | 1,711 |
| Net loans and leases to deposits | 87.8199% | 1,529 |
| Net loans and leases to core deposits | 96.9684% | 1,586 |
| Total domestic deposits to total assets | 82.4148% | 5,018 |
| Equity capital to assets | 9.5406% | 4,748 |
| Core capital (leverage) ratio | 9.0266% | 4,677 |
| Tier 1 risk-based capital ratio | 12.8048% | 5,087 |
| Total risk-based capital ratio | 13.8772% | 5,206 |
| Memoranda: | ||
| Average total assets | $696,041,330 | 951 |
| Average earning assets | $643,865,330 | 940 |
| Average equity | $61,467,000 | 1,100 |
| Average total loans | $483,744,330 | 892 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 4,267 |
| Cost of funding earning assets | 1.2468% | 2,526 |
| Net interest margin | 3.5097% | 4,962 |
| Noninterest income to average assets | 0.9476% | 1,483 |
| Noninterest expense to average assets | 2.6022% | 5,218 |
| Loan and lease loss provision to assets | 0.2047% | 3,593 |
| Net operating income to assets | 0.9078% | 2,523 |
| Return on assets (ROA) | 0.9078% | 2,584 |
| Pretax return on assets | 1.3922% | 1,745 |
| Return on Equity (ROE) | 10.6773% | 1,842 |
| Retained earnings to average equity (ytd only) | 10.2157% | 1,078 |
| Net charge-offs to loans | 0.8873% | 1,492 |
| Credit loss provision to net charge-offs | 34.0168% | 4,052 |
| Earnings coverage of net charge-offs (x) | 2.6542% | 3,013 |
| Efficiency ratio | 61.9709% | 5,684 |
| Assets per employee ($millions) | 4.1202% | 3,596 |
| Cash dividends to net income (ytd only)* | 4.3237% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 6,373 |
| Loan loss allowance to noncurrent loans | 70.6574% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 3.0777% | 2,239 |
| Noncurrent loans to loans | 1.4247% | 4,331 |
| Net loans and leases to total assets | 68.6580% | 2,412 |
| Net loans and leases to deposits | 85.8900% | 1,752 |
| Net loans and leases to core deposits | 94.8661% | 1,782 |
| Total domestic deposits to total assets | 79.9372% | 5,962 |
| Equity capital to assets | 8.9749% | 5,239 |
| Core capital (leverage) ratio | 8.7168% | 5,059 |
| Tier 1 risk-based capital ratio | 12.6560% | 5,109 |
| Total risk-based capital ratio | 13.6560% | 5,332 |
| Memoranda: | ||
| Average total assets | $713,386,500 | 935 |
| Average earning assets | $660,907,500 | 919 |
| Average equity | $60,652,000 | 1,104 |
| Average total loans | $483,710,500 | 905 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1478% | 3,865 |
| Cost of funding earning assets | 1.6617% | 1,769 |
| Net interest margin | 3.4861% | 5,301 |
| Noninterest income to average assets | 0.7995% | 2,290 |
| Noninterest expense to average assets | 2.8287% | 4,482 |
| Loan and lease loss provision to assets | 0.3803% | 3,834 |
| Net operating income to assets | 0.5640% | 3,831 |
| Return on assets (ROA) | 0.6875% | 3,400 |
| Pretax return on assets | 1.0024% | 2,922 |
| Return on Equity (ROE) | 7.9884% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.0416% | 1,792 |
| Net charge-offs to loans | 0.4184% | 3,945 |
| Credit loss provision to net charge-offs | 125.0982% | 3,263 |
| Earnings coverage of net charge-offs (x) | 3.9597% | 3,121 |
| Efficiency ratio | 70.1474% | 4,148 |
| Assets per employee ($millions) | 4.3453% | 3,119 |
| Cash dividends to net income (ytd only)* | 24.3701% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,850 |
| Loan loss allowance to noncurrent loans | 55.5253% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.8048% | 2,499 |
| Noncurrent loans to loans | 2.0251% | 3,529 |
| Net loans and leases to total assets | 65.6136% | 3,544 |
| Net loans and leases to deposits | 82.9445% | 2,642 |
| Net loans and leases to core deposits | 90.9899% | 2,619 |
| Total domestic deposits to total assets | 79.1054% | 6,056 |
| Equity capital to assets | 8.0615% | 6,430 |
| Core capital (leverage) ratio | 8.8372% | 4,797 |
| Tier 1 risk-based capital ratio | 12.1947% | 5,297 |
| Total risk-based capital ratio | 13.3279% | 5,386 |
| Memoranda: | ||
| Average total assets | $669,710,000 | 990 |
| Average earning assets | $621,095,600 | 971 |
| Average equity | $57,633,400 | 1,153 |
| Average total loans | $486,602,400 | 922 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 3,472 |
| Cost of funding earning assets | 1.7346% | 1,703 |
| Net interest margin | 3.5408% | 5,135 |
| Noninterest income to average assets | 0.7720% | 2,377 |
| Noninterest expense to average assets | 2.7916% | 4,531 |
| Loan and lease loss provision to assets | 0.4500% | 3,221 |
| Net operating income to assets | 0.5647% | 4,035 |
| Return on assets (ROA) | 0.6682% | 3,719 |
| Pretax return on assets | 0.9670% | 3,303 |
| Return on Equity (ROE) | 7.6283% | 3,053 |
| Retained earnings to average equity (ytd only) | 6.0886% | 2,310 |
| Net charge-offs to loans | 0.5199% | 3,217 |
| Credit loss provision to net charge-offs | 116.2619% | 3,586 |
| Earnings coverage of net charge-offs (x) | 3.2735% | 3,510 |
| Efficiency ratio | 68.7830% | 4,314 |
| Assets per employee ($millions) | 4.0279% | 3,776 |
| Cash dividends to net income (ytd only)* | 20.1835% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 5,928 |
| Loan loss allowance to noncurrent loans | 89.5731% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 2.6575% | 2,722 |
| Noncurrent loans to loans | 1.2295% | 4,792 |
| Net loans and leases to total assets | 72.6169% | 2,096 |
| Net loans and leases to deposits | 85.9001% | 2,366 |
| Net loans and leases to core deposits | 99.2289% | 1,924 |
| Total domestic deposits to total assets | 84.5364% | 3,853 |
| Equity capital to assets | 9.2774% | 5,177 |
| Core capital (leverage) ratio | 9.0985% | 4,536 |
| Tier 1 risk-based capital ratio | 12.1913% | 5,279 |
| Total risk-based capital ratio | 13.2985% | 5,387 |
| Memoranda: | ||
| Average total assets | $652,462,750 | 1,033 |
| Average earning assets | $605,612,750 | 1,007 |
| Average equity | $57,154,250 | 1,166 |
| Average total loans | $485,703,250 | 931 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 3,312 |
| Cost of funding earning assets | 1.7816% | 1,712 |
| Net interest margin | 3.5495% | 5,049 |
| Noninterest income to average assets | 0.6604% | 2,953 |
| Noninterest expense to average assets | 2.7507% | 4,699 |
| Loan and lease loss provision to assets | 0.4749% | 2,939 |
| Net operating income to assets | 0.5223% | 4,228 |
| Return on assets (ROA) | 0.5557% | 4,201 |
| Pretax return on assets | 0.7719% | 3,980 |
| Return on Equity (ROE) | 6.4720% | 3,562 |
| Retained earnings to average equity (ytd only) | 4.1108% | 3,458 |
| Net charge-offs to loans | 0.6864% | 2,501 |
| Credit loss provision to net charge-offs | 92.5194% | 4,346 |
| Earnings coverage of net charge-offs (x) | 2.3387% | 3,827 |
| Efficiency ratio | 69.6183% | 4,261 |
| Assets per employee ($millions) | 3.9040% | 3,966 |
| Cash dividends to net income (ytd only)* | 36.4842% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 6,336 |
| Loan loss allowance to noncurrent loans | 63.8638% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 3.1423% | 2,258 |
| Noncurrent loans to loans | 1.5885% | 4,325 |
| Net loans and leases to total assets | 74.7649% | 1,745 |
| Net loans and leases to deposits | 88.6794% | 2,057 |
| Net loans and leases to core deposits | 104.9952% | 1,536 |
| Total domestic deposits to total assets | 84.3092% | 3,955 |
| Equity capital to assets | 8.9959% | 5,454 |
| Core capital (leverage) ratio | 8.8395% | 4,849 |
| Tier 1 risk-based capital ratio | 11.6727% | 5,609 |
| Total risk-based capital ratio | 12.6997% | 5,794 |
| Memoranda: | ||
| Average total assets | $651,099,000 | 1,041 |
| Average earning assets | $603,631,000 | 1,020 |
| Average equity | $55,902,000 | 1,180 |
| Average total loans | $486,911,670 | 936 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3928% | 3,069 |
| Cost of funding earning assets | 1.8796% | 1,537 |
| Net interest margin | 3.5132% | 5,106 |
| Noninterest income to average assets | 0.5826% | 3,391 |
| Noninterest expense to average assets | 2.5981% | 5,366 |
| Loan and lease loss provision to assets | 0.7168% | 1,776 |
| Net operating income to assets | 0.4149% | 4,772 |
| Return on assets (ROA) | 0.4258% | 4,868 |
| Pretax return on assets | 0.5437% | 4,803 |
| Return on Equity (ROE) | 5.0770% | 4,327 |
| Retained earnings to average equity (ytd only) | 4.3527% | 3,540 |
| Net charge-offs to loans | 0.5640% | 2,391 |
| Credit loss provision to net charge-offs | 170.7670% | 2,128 |
| Earnings coverage of net charge-offs (x) | 2.9696% | 3,067 |
| Efficiency ratio | 67.5778% | 4,808 |
| Assets per employee ($millions) | 4.3064% | 3,277 |
| Cash dividends to net income (ytd only)* | 14.2653% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 5,914 |
| Loan loss allowance to noncurrent loans | 150.5347% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 2.4265% | 2,997 |
| Noncurrent loans to loans | 0.7441% | 5,832 |
| Net loans and leases to total assets | 75.0230% | 1,739 |
| Net loans and leases to deposits | 89.1302% | 2,048 |
| Net loans and leases to core deposits | 107.1232% | 1,485 |
| Total domestic deposits to total assets | 84.1724% | 4,066 |
| Equity capital to assets | 8.6481% | 5,803 |
| Core capital (leverage) ratio | 8.2826% | 5,774 |
| Tier 1 risk-based capital ratio | 11.2542% | 5,898 |
| Total risk-based capital ratio | 12.3902% | 5,985 |
| Memoranda: | ||
| Average total assets | $658,469,000 | 1,047 |
| Average earning assets | $611,407,500 | 1,025 |
| Average equity | $55,230,000 | 1,208 |
| Average total loans | $490,043,000 | 956 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4589% | 4,396 |
| Cost of funding earning assets | 2.5226% | 971 |
| Net interest margin | 2.9364% | 6,789 |
| Noninterest income to average assets | 0.6194% | 3,491 |
| Noninterest expense to average assets | 2.7277% | 5,262 |
| Loan and lease loss provision to assets | 0.3467% | 4,724 |
| Net operating income to assets | 0.2484% | 4,725 |
| Return on assets (ROA) | 0.4139% | 4,184 |
| Pretax return on assets | 0.5144% | 4,144 |
| Return on Equity (ROE) | 5.0963% | 3,629 |
| Retained earnings to average equity (ytd only) | 2.9629% | 3,094 |
| Net charge-offs to loans | 0.5907% | 3,446 |
| Credit loss provision to net charge-offs | 74.4888% | 6,409 |
| Earnings coverage of net charge-offs (x) | 1.4054% | 4,722 |
| Efficiency ratio | 80.6576% | 2,793 |
| Assets per employee ($millions) | 4.6596% | 2,672 |
| Cash dividends to net income (ytd only)* | 41.8613% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 6,264 |
| Loan loss allowance to noncurrent loans | 138.1492% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 2.2791% | 3,032 |
| Noncurrent loans to loans | 0.7388% | 5,778 |
| Net loans and leases to total assets | 72.2790% | 2,687 |
| Net loans and leases to deposits | 86.1292% | 2,891 |
| Net loans and leases to core deposits | 103.5955% | 3,612 |
| Total domestic deposits to total assets | 83.9193% | 4,060 |
| Equity capital to assets | 8.1369% | 6,419 |
| Core capital (leverage) ratio | 8.1614% | 5,886 |
| Tier 1 risk-based capital ratio | 11.0401% | 5,885 |
| Total risk-based capital ratio | 12.0658% | 6,067 |
| Memoranda: | ||
| Average total assets | $661,946,600 | 1,049 |
| Average earning assets | $622,740,200 | 1,003 |
| Average equity | $53,764,800 | 1,227 |
| Average total loans | $521,604,400 | 914 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 4,510 |
| Cost of funding earning assets | 2.6548% | 896 |
| Net interest margin | 2.8265% | 7,009 |
| Noninterest income to average assets | 0.7678% | 2,606 |
| Noninterest expense to average assets | 2.5343% | 5,958 |
| Loan and lease loss provision to assets | 0.3042% | 4,540 |
| Net operating income to assets | 0.4049% | 4,378 |
| Return on assets (ROA) | 0.5271% | 3,963 |
| Pretax return on assets | 0.7808% | 3,598 |
| Return on Equity (ROE) | 6.4926% | 3,302 |
| Retained earnings to average equity (ytd only) | 4.9740% | 2,507 |
| Net charge-offs to loans | 0.5648% | 2,992 |
| Credit loss provision to net charge-offs | 67.0976% | 6,041 |
| Earnings coverage of net charge-offs (x) | 1.9969% | 4,324 |
| Efficiency ratio | 73.6808% | 3,924 |
| Assets per employee ($millions) | 4.5121% | 2,842 |
| Cash dividends to net income (ytd only)* | 23.3895% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 6,267 |
| Loan loss allowance to noncurrent loans | 61.2148% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 3.1324% | 2,179 |
| Noncurrent loans to loans | 1.6387% | 4,188 |
| Net loans and leases to total assets | 74.6182% | 2,334 |
| Net loans and leases to deposits | 86.2942% | 3,256 |
| Net loans and leases to core deposits | 103.2186% | 4,038 |
| Total domestic deposits to total assets | 86.4695% | 2,441 |
| Equity capital to assets | 8.3642% | 6,426 |
| Core capital (leverage) ratio | 8.0566% | 6,256 |
| Tier 1 risk-based capital ratio | 10.7966% | 6,162 |
| Total risk-based capital ratio | 11.8011% | 6,375 |
| Memoranda: | ||
| Average total assets | $659,688,500 | 1,064 |
| Average earning assets | $623,548,500 | 1,017 |
| Average equity | $53,556,750 | 1,250 |
| Average total loans | $529,511,000 | 914 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4766% | 4,743 |
| Cost of funding earning assets | 2.7396% | 932 |
| Net interest margin | 2.7370% | 7,128 |
| Noninterest income to average assets | 0.9193% | 1,899 |
| Noninterest expense to average assets | 2.4704% | 6,222 |
| Loan and lease loss provision to assets | 0.4049% | 3,500 |
| Net operating income to assets | 0.4194% | 4,426 |
| Return on assets (ROA) | 0.5410% | 4,040 |
| Pretax return on assets | 0.8204% | 3,607 |
| Return on Equity (ROE) | 6.7323% | 3,314 |
| Retained earnings to average equity (ytd only) | 4.4212% | 2,837 |
| Net charge-offs to loans | 0.2204% | 4,126 |
| Credit loss provision to net charge-offs | 224.2833% | 2,053 |
| Earnings coverage of net charge-offs (x) | 5.7673% | 2,765 |
| Efficiency ratio | 70.3511% | 4,705 |
| Assets per employee ($millions) | 4.5528% | 2,690 |
| Cash dividends to net income (ytd only)* | 34.3275% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 4,607 |
| Loan loss allowance to noncurrent loans | 48.7266% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 2.8065% | 2,288 |
| Noncurrent loans to loans | 2.5647% | 2,825 |
| Net loans and leases to total assets | 77.5563% | 1,847 |
| Net loans and leases to deposits | 89.0926% | 2,976 |
| Net loans and leases to core deposits | 107.3311% | 3,687 |
| Total domestic deposits to total assets | 87.0514% | 2,230 |
| Equity capital to assets | 8.0103% | 6,736 |
| Core capital (leverage) ratio | 7.9760% | 6,372 |
| Tier 1 risk-based capital ratio | 10.1724% | 6,742 |
| Total risk-based capital ratio | 11.4241% | 6,675 |
| Memoranda: | ||
| Average total assets | $656,988,330 | 1,088 |
| Average earning assets | $622,208,330 | 1,037 |
| Average equity | $52,790,670 | 1,284 |
| Average total loans | $538,234,330 | 924 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3943% | 5,454 |
| Cost of funding earning assets | 2.8023% | 976 |
| Net interest margin | 2.5919% | 7,378 |
| Noninterest income to average assets | 0.9756% | 1,558 |
| Noninterest expense to average assets | 2.3885% | 6,235 |
| Loan and lease loss provision to assets | 0.7012% | 1,810 |
| Net operating income to assets | 0.2290% | 5,561 |
| Return on assets (ROA) | 0.3564% | 5,226 |
| Pretax return on assets | 0.5249% | 5,004 |
| Return on Equity (ROE) | 4.4289% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.0484% | 3,647 |
| Net charge-offs to loans | 0.2416% | 3,194 |
| Credit loss provision to net charge-offs | 346.9697% | 1,449 |
| Earnings coverage of net charge-offs (x) | 5.1394% | 2,735 |
| Efficiency ratio | 69.6926% | 4,644 |
| Assets per employee ($millions) | 4.7884% | 2,311 |
| Cash dividends to net income (ytd only)* | 8.5911% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 4,702 |
| Loan loss allowance to noncurrent loans | 52.0621% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 2.6428% | 2,172 |
| Noncurrent loans to loans | 2.3323% | 2,822 |
| Net loans and leases to total assets | 81.8748% | 1,038 |
| Net loans and leases to deposits | 95.9648% | 1,956 |
| Net loans and leases to core deposits | 115.3842% | 2,863 |
| Total domestic deposits to total assets | 85.3176% | 3,054 |
| Equity capital to assets | 8.0622% | 6,727 |
| Core capital (leverage) ratio | 8.1245% | 6,246 |
| Tier 1 risk-based capital ratio | 9.7591% | 7,189 |
| Total risk-based capital ratio | 10.9879% | 7,123 |
| Memoranda: | ||
| Average total assets | $653,131,000 | 1,089 |
| Average earning assets | $617,768,000 | 1,040 |
| Average equity | $52,563,500 | 1,299 |
| Average total loans | $546,330,000 | 921 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3250% | 3,824 |
| Cost of funding earning assets | 3.2082% | 1,165 |
| Net interest margin | 3.1168% | 6,603 |
| Noninterest income to average assets | 0.4732% | 4,853 |
| Noninterest expense to average assets | 2.4061% | 6,368 |
| Loan and lease loss provision to assets | 0.5715% | 2,536 |
| Net operating income to assets | 0.3387% | 5,403 |
| Return on assets (ROA) | 0.3827% | 5,034 |
| Pretax return on assets | 0.4990% | 4,977 |
| Return on Equity (ROE) | 4.4631% | 4,616 |
| Retained earnings to average equity (ytd only) | 3.8768% | 2,712 |
| Net charge-offs to loans | 0.3542% | 3,057 |
| Credit loss provision to net charge-offs | 185.5822% | 2,668 |
| Earnings coverage of net charge-offs (x) | 3.2905% | 4,438 |
| Efficiency ratio | 70.3660% | 4,276 |
| Assets per employee ($millions) | 4.7463% | 2,251 |
| Cash dividends to net income (ytd only)* | 13.1349% | 4,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 5,590 |
| Loan loss allowance to noncurrent loans | 53.6927% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 2.2602% | 2,157 |
| Noncurrent loans to loans | 1.9634% | 2,807 |
| Net loans and leases to total assets | 83.5313% | 961 |
| Net loans and leases to deposits | 102.3002% | 1,554 |
| Net loans and leases to core deposits | 122.3240% | 2,473 |
| Total domestic deposits to total assets | 81.6531% | 4,340 |
| Equity capital to assets | 8.0336% | 6,798 |
| Core capital (leverage) ratio | 8.4135% | 5,731 |
| Tier 1 risk-based capital ratio | 9.5271% | 7,278 |
| Total risk-based capital ratio | 10.5881% | 7,406 |
| Memoranda: | ||
| Average total assets | $596,850,200 | 1,132 |
| Average earning assets | $564,203,600 | 1,094 |
| Average equity | $51,175,600 | 1,318 |
| Average total loans | $518,909,200 | 913 |