Home > Bank of Ann Arbor > Performance and Condition Ratios
Bank of Ann Arbor, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9081% | 1,321 |
| Cost of funding earning assets | 1.7019% | 2,730 |
| Net interest margin | 4.2062% | 963 |
| Noninterest income to average assets | 0.6100% | 1,305 |
| Noninterest expense to average assets | 2.1388% | 3,275 |
| Loan and lease loss provision to assets | 0.2000% | 589 |
| Net operating income to assets | 1.6857% | 765 |
| Return on assets (ROA) | 1.6857% | 766 |
| Pretax return on assets | 2.1187% | 567 |
| Return on Equity (ROE) | 12.4700% | 1,628 |
| Retained earnings to average equity (ytd only) | 3.9671% | 2,858 |
| Net charge-offs to loans | 0.0594% | 1,086 |
| Credit loss provision to net charge-offs | 619.3122% | 468 |
| Earnings coverage of net charge-offs (x) | 49.3624% | 1,000 |
| Efficiency ratio | 47.4434% | 4,039 |
| Assets per employee ($millions) | 9.7719% | 855 |
| Cash dividends to net income (ytd only)* | 68.1969% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 2,298 |
| Loan loss allowance to noncurrent loans | 652.5292% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 2,416 |
| Noncurrent loans to loans | 0.1806% | 2,848 |
| Net loans and leases to total assets | 78.0200% | 835 |
| Net loans and leases to deposits | 93.7188% | 783 |
| Net loans and leases to core deposits | 98.9805% | 1,441 |
| Total domestic deposits to total assets | 83.2500% | 3,077 |
| Equity capital to assets | 13.4798% | 797 |
| Core capital (leverage) ratio | 11.8892% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6706% | 1,984 |
| Memoranda: | ||
| Average total assets | $3,214,953,500 | 392 |
| Average earning assets | $2,943,834,000 | 389 |
| Average equity | $434,479,000 | 335 |
| Average total loans | $2,546,141,000 | 358 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9088% | 1,425 |
| Cost of funding earning assets | 1.7650% | 2,811 |
| Net interest margin | 4.1437% | 999 |
| Noninterest income to average assets | 0.5500% | 1,704 |
| Noninterest expense to average assets | 2.3189% | 2,817 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.5816% | 797 |
| Return on assets (ROA) | 1.5814% | 792 |
| Pretax return on assets | 1.9727% | 624 |
| Return on Equity (ROE) | 11.9400% | 1,628 |
| Retained earnings to average equity (ytd only) | 7.3551% | 1,312 |
| Net charge-offs to loans | -0.0355% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 52.6686% | 3,829 |
| Assets per employee ($millions) | 9.4530% | 910 |
| Cash dividends to net income (ytd only)* | 38.4202% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 2,618 |
| Loan loss allowance to noncurrent loans | 569.9313% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 2,322 |
| Noncurrent loans to loans | 0.1957% | 2,736 |
| Net loans and leases to total assets | 78.5600% | 829 |
| Net loans and leases to deposits | 96.3129% | 695 |
| Net loans and leases to core deposits | 102.0344% | 1,331 |
| Total domestic deposits to total assets | 81.5700% | 3,318 |
| Equity capital to assets | 13.5494% | 761 |
| Core capital (leverage) ratio | 12.0530% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4611% | 2,064 |
| Memoranda: | ||
| Average total assets | $3,120,530,000 | 392 |
| Average earning assets | $2,869,676,000 | 382 |
| Average equity | $413,166,600 | 328 |
| Average total loans | $2,494,654,000 | 351 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8785% | 1,422 |
| Cost of funding earning assets | 1.7778% | 2,774 |
| Net interest margin | 4.1007% | 1,014 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 2.1930% | 3,096 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.6915% | 702 |
| Return on assets (ROA) | 1.6913% | 705 |
| Pretax return on assets | 2.1260% | 527 |
| Return on Equity (ROE) | 12.8500% | 1,401 |
| Retained earnings to average equity (ytd only) | 6.6641% | 1,856 |
| Net charge-offs to loans | -0.0496% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 49.7444% | 4,004 |
| Assets per employee ($millions) | 9.2391% | 990 |
| Cash dividends to net income (ytd only)* | 48.1436% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 2,799 |
| Loan loss allowance to noncurrent loans | 1,643.8209% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 2,548 |
| Noncurrent loans to loans | 0.0665% | 3,365 |
| Net loans and leases to total assets | 79.0300% | 760 |
| Net loans and leases to deposits | 94.4753% | 828 |
| Net loans and leases to core deposits | 99.2028% | 1,530 |
| Total domestic deposits to total assets | 83.6500% | 2,681 |
| Equity capital to assets | 13.3900% | 861 |
| Core capital (leverage) ratio | 11.6958% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2630% | 2,161 |
| Memoranda: | ||
| Average total assets | $3,104,250,250 | 389 |
| Average earning assets | $2,858,049,250 | 382 |
| Average equity | $408,549,000 | 326 |
| Average total loans | $2,485,584,250 | 348 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7523% | 1,529 |
| Cost of funding earning assets | 1.7366% | 2,786 |
| Net interest margin | 4.0157% | 1,090 |
| Noninterest income to average assets | 0.5800% | 1,524 |
| Noninterest expense to average assets | 2.1942% | 3,092 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.6138% | 782 |
| Return on assets (ROA) | 1.6135% | 779 |
| Pretax return on assets | 2.0269% | 618 |
| Return on Equity (ROE) | 12.3300% | 1,531 |
| Retained earnings to average equity (ytd only) | 6.2161% | 1,927 |
| Net charge-offs to loans | -0.0717% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 50.7317% | 3,968 |
| Assets per employee ($millions) | 9.3617% | 889 |
| Cash dividends to net income (ytd only)* | 49.5967% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,012 |
| Loan loss allowance to noncurrent loans | 567.6533% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 2,591 |
| Noncurrent loans to loans | 0.1854% | 2,769 |
| Net loans and leases to total assets | 80.5000% | 618 |
| Net loans and leases to deposits | 102.6755% | 416 |
| Net loans and leases to core deposits | 106.8273% | 1,111 |
| Total domestic deposits to total assets | 78.4000% | 3,661 |
| Equity capital to assets | 13.1343% | 840 |
| Core capital (leverage) ratio | 11.6261% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7284% | 2,351 |
| Memoranda: | ||
| Average total assets | $3,088,821,000 | 395 |
| Average earning assets | $2,845,818,333 | 385 |
| Average equity | $404,112,667 | 329 |
| Average total loans | $2,474,982,667 | 352 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6970% | 1,480 |
| Cost of funding earning assets | 1.6884% | 2,784 |
| Net interest margin | 4.0086% | 1,078 |
| Noninterest income to average assets | 0.5700% | 1,470 |
| Noninterest expense to average assets | 2.1906% | 3,097 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.6078% | 771 |
| Return on assets (ROA) | 1.6078% | 780 |
| Pretax return on assets | 2.0191% | 624 |
| Return on Equity (ROE) | 12.3100% | 1,479 |
| Retained earnings to average equity (ytd only) | 3.8170% | 2,760 |
| Net charge-offs to loans | -0.0699% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 50.8017% | 3,985 |
| Assets per employee ($millions) | 9.0792% | 983 |
| Cash dividends to net income (ytd only)* | 68.9991% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 2,967 |
| Loan loss allowance to noncurrent loans | 543.7177% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 2,525 |
| Noncurrent loans to loans | 0.1962% | 2,643 |
| Net loans and leases to total assets | 80.0800% | 610 |
| Net loans and leases to deposits | 95.7795% | 734 |
| Net loans and leases to core deposits | 101.0179% | 1,358 |
| Total domestic deposits to total assets | 83.6100% | 2,833 |
| Equity capital to assets | 13.2318% | 808 |
| Core capital (leverage) ratio | 11.4023% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8657% | 2,288 |
| Memoranda: | ||
| Average total assets | $3,064,763,000 | 404 |
| Average earning assets | $2,824,944,000 | 394 |
| Average equity | $400,213,500 | 334 |
| Average total loans | $2,436,791,500 | 360 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3715% | 1,356 |
| Cost of funding earning assets | 1.2149% | 2,762 |
| Net interest margin | 4.1567% | 997 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.2642% | 2,946 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.5700% | 908 |
| Return on assets (ROA) | 1.5700% | 874 |
| Pretax return on assets | 1.9263% | 749 |
| Return on Equity (ROE) | 12.7500% | 1,786 |
| Retained earnings to average equity (ytd only) | 9.3179% | 1,181 |
| Net charge-offs to loans | 0.4939% | 209 |
| Credit loss provision to net charge-offs | 68.9872% | 2,094 |
| Earnings coverage of net charge-offs (x) | 5.6257% | 2,518 |
| Efficiency ratio | 51.0802% | 3,904 |
| Assets per employee ($millions) | 9.3293% | 881 |
| Cash dividends to net income (ytd only)* | 26.9452% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,141 |
| Loan loss allowance to noncurrent loans | 375.9234% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 2,093 |
| Noncurrent loans to loans | 0.2750% | 2,195 |
| Net loans and leases to total assets | 77.2900% | 936 |
| Net loans and leases to deposits | 93.3058% | 993 |
| Net loans and leases to core deposits | 97.8381% | 1,549 |
| Total domestic deposits to total assets | 82.8300% | 2,934 |
| Equity capital to assets | 12.8879% | 881 |
| Core capital (leverage) ratio | 11.2348% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8698% | 2,284 |
| Memoranda: | ||
| Average total assets | $3,073,064,200 | 388 |
| Average earning assets | $2,836,316,400 | 378 |
| Average equity | $378,261,800 | 328 |
| Average total loans | $2,347,058,000 | 358 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3124% | 1,275 |
| Cost of funding earning assets | 1.1109% | 2,713 |
| Net interest margin | 4.2016% | 922 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.1628% | 3,171 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.6883% | 810 |
| Return on assets (ROA) | 1.6883% | 800 |
| Pretax return on assets | 2.0890% | 670 |
| Return on Equity (ROE) | 13.8800% | 1,684 |
| Retained earnings to average equity (ytd only) | 9.2373% | 1,626 |
| Net charge-offs to loans | 0.1189% | 676 |
| Credit loss provision to net charge-offs | 216.2578% | 1,069 |
| Earnings coverage of net charge-offs (x) | 25.1602% | 1,691 |
| Efficiency ratio | 48.2321% | 4,030 |
| Assets per employee ($millions) | 9.2167% | 864 |
| Cash dividends to net income (ytd only)* | 33.4491% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 1,837 |
| Loan loss allowance to noncurrent loans | 195.0277% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5266% | 1,108 |
| Noncurrent loans to loans | 0.6702% | 1,233 |
| Net loans and leases to total assets | 75.9100% | 1,134 |
| Net loans and leases to deposits | 90.5664% | 1,191 |
| Net loans and leases to core deposits | 94.2154% | 1,663 |
| Total domestic deposits to total assets | 83.8200% | 2,829 |
| Equity capital to assets | 12.5432% | 908 |
| Core capital (leverage) ratio | 10.7920% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8416% | 2,326 |
| Memoranda: | ||
| Average total assets | $3,069,332,750 | 394 |
| Average earning assets | $2,835,769,250 | 380 |
| Average equity | $373,333,250 | 334 |
| Average total loans | $2,330,913,750 | 364 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 1,209 |
| Cost of funding earning assets | 0.9739% | 2,691 |
| Net interest margin | 4.2305% | 890 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.1689% | 3,171 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.7316% | 739 |
| Return on assets (ROA) | 1.7316% | 742 |
| Pretax return on assets | 2.1287% | 591 |
| Return on Equity (ROE) | 14.3900% | 1,600 |
| Retained earnings to average equity (ytd only) | 10.7016% | 1,250 |
| Net charge-offs to loans | 0.1707% | 463 |
| Credit loss provision to net charge-offs | 205.5078% | 1,038 |
| Earnings coverage of net charge-offs (x) | 17.6372% | 1,790 |
| Efficiency ratio | 48.2548% | 4,046 |
| Assets per employee ($millions) | 9.1399% | 867 |
| Cash dividends to net income (ytd only)* | 25.6140% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,158 |
| Loan loss allowance to noncurrent loans | 311.1996% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 1,623 |
| Noncurrent loans to loans | 0.4028% | 1,724 |
| Net loans and leases to total assets | 76.7300% | 969 |
| Net loans and leases to deposits | 95.3719% | 768 |
| Net loans and leases to core deposits | 98.8992% | 1,296 |
| Total domestic deposits to total assets | 80.4600% | 3,508 |
| Equity capital to assets | 12.3039% | 971 |
| Core capital (leverage) ratio | 10.7496% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6217% | 2,424 |
| Memoranda: | ||
| Average total assets | $3,066,314,000 | 380 |
| Average earning assets | $2,833,022,333 | 371 |
| Average equity | $369,067,667 | 325 |
| Average total loans | $2,318,617,667 | 353 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1545% | 1,013 |
| Cost of funding earning assets | 0.8046% | 2,716 |
| Net interest margin | 4.3499% | 747 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.1775% | 3,157 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.7680% | 714 |
| Return on assets (ROA) | 1.7680% | 709 |
| Pretax return on assets | 2.1208% | 635 |
| Return on Equity (ROE) | 14.8600% | 1,579 |
| Retained earnings to average equity (ytd only) | 7.3740% | 2,399 |
| Net charge-offs to loans | 0.0132% | 1,464 |
| Credit loss provision to net charge-offs | 2,633.3333% | 159 |
| Earnings coverage of net charge-offs (x) | 242.2933% | 440 |
| Efficiency ratio | 47.2617% | 4,139 |
| Assets per employee ($millions) | 9.0701% | 907 |
| Cash dividends to net income (ytd only)* | 50.3629% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 2,100 |
| Loan loss allowance to noncurrent loans | 284.5143% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 1,468 |
| Noncurrent loans to loans | 0.4523% | 1,590 |
| Net loans and leases to total assets | 73.5800% | 1,253 |
| Net loans and leases to deposits | 88.5273% | 1,166 |
| Net loans and leases to core deposits | 91.4627% | 1,530 |
| Total domestic deposits to total assets | 83.1200% | 3,276 |
| Equity capital to assets | 11.8799% | 1,035 |
| Core capital (leverage) ratio | 10.1917% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6047% | 2,535 |
| Memoranda: | ||
| Average total assets | $3,054,821,000 | 397 |
| Average earning assets | $2,825,338,500 | 382 |
| Average equity | $363,549,000 | 342 |
| Average total loans | $2,277,624,000 | 369 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0328% | 1,633 |
| Cost of funding earning assets | 0.2380% | 3,430 |
| Net interest margin | 3.7948% | 1,167 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.1138% | 3,253 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.4987% | 880 |
| Return on assets (ROA) | 1.4988% | 849 |
| Pretax return on assets | 1.8738% | 621 |
| Return on Equity (ROE) | 14.2900% | 1,466 |
| Retained earnings to average equity (ytd only) | 12.3238% | 613 |
| Net charge-offs to loans | 0.0210% | 1,662 |
| Credit loss provision to net charge-offs | 522.9545% | 659 |
| Earnings coverage of net charge-offs (x) | 143.2932% | 812 |
| Efficiency ratio | 51.5728% | 4,022 |
| Assets per employee ($millions) | 9.2823% | 836 |
| Cash dividends to net income (ytd only)* | 13.7886% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,042 |
| Loan loss allowance to noncurrent loans | 488.7344% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 1,897 |
| Noncurrent loans to loans | 0.3196% | 2,003 |
| Net loans and leases to total assets | 73.4100% | 1,273 |
| Net loans and leases to deposits | 86.1735% | 1,302 |
| Net loans and leases to core deposits | 87.4644% | 1,652 |
| Total domestic deposits to total assets | 85.1900% | 2,940 |
| Equity capital to assets | 11.9223% | 955 |
| Core capital (leverage) ratio | 9.7797% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6825% | 2,494 |
| Memoranda: | ||
| Average total assets | $3,242,086,600 | 367 |
| Average earning assets | $3,001,979,200 | 363 |
| Average equity | $339,918,400 | 352 |
| Average total loans | $2,096,107,000 | 367 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6818% | 2,094 |
| Cost of funding earning assets | 0.1502% | 3,841 |
| Net interest margin | 3.5316% | 1,574 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 1.9482% | 3,630 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4663% | 918 |
| Return on assets (ROA) | 1.4664% | 900 |
| Pretax return on assets | 1.8440% | 666 |
| Return on Equity (ROE) | 14.4400% | 1,309 |
| Retained earnings to average equity (ytd only) | 11.7719% | 845 |
| Net charge-offs to loans | 0.0106% | 1,721 |
| Credit loss provision to net charge-offs | 635.5828% | 544 |
| Earnings coverage of net charge-offs (x) | 286.2147% | 490 |
| Efficiency ratio | 50.2968% | 4,141 |
| Assets per employee ($millions) | 9.7674% | 701 |
| Cash dividends to net income (ytd only)* | 18.4695% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 1,084 |
| Loan loss allowance to noncurrent loans | 568.4421% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 2,279 |
| Noncurrent loans to loans | 0.2797% | 2,255 |
| Net loans and leases to total assets | 65.5900% | 1,925 |
| Net loans and leases to deposits | 76.2446% | 1,857 |
| Net loans and leases to core deposits | 77.1429% | 2,101 |
| Total domestic deposits to total assets | 86.0200% | 3,064 |
| Equity capital to assets | 10.7661% | 1,265 |
| Core capital (leverage) ratio | 8.8368% | 3,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6889% | 2,579 |
| Memoranda: | ||
| Average total assets | $3,298,423,000 | 362 |
| Average earning assets | $3,056,668,250 | 353 |
| Average equity | $334,982,000 | 359 |
| Average total loans | $2,057,700,750 | 368 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4274% | 2,351 |
| Cost of funding earning assets | 0.1073% | 4,113 |
| Net interest margin | 3.3202% | 1,852 |
| Noninterest income to average assets | 0.5403% | 1,992 |
| Noninterest expense to average assets | 1.9279% | 3,638 |
| Loan and lease loss provision to assets | 0.0071% | 2,474 |
| Net operating income to assets | 1.3425% | 1,042 |
| Return on assets (ROA) | 1.3426% | 1,019 |
| Pretax return on assets | 1.6882% | 775 |
| Return on Equity (ROE) | 13.4822% | 1,248 |
| Retained earnings to average equity (ytd only) | 10.3399% | 939 |
| Net charge-offs to loans | 0.0108% | 1,582 |
| Credit loss provision to net charge-offs | 108.2569% | 1,233 |
| Earnings coverage of net charge-offs (x) | 258.4312% | 455 |
| Efficiency ratio | 52.6817% | 4,076 |
| Assets per employee ($millions) | 10.3141% | 602 |
| Cash dividends to net income (ytd only)* | 23.3069% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 1,217 |
| Loan loss allowance to noncurrent loans | 574.9223% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 2,398 |
| Noncurrent loans to loans | 0.2733% | 2,385 |
| Net loans and leases to total assets | 63.9891% | 1,913 |
| Net loans and leases to deposits | 74.2656% | 1,838 |
| Net loans and leases to core deposits | 75.1171% | 2,083 |
| Total domestic deposits to total assets | 86.1626% | 3,209 |
| Equity capital to assets | 10.2841% | 1,542 |
| Core capital (leverage) ratio | 8.3415% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4071% | 2,700 |
| Memoranda: | ||
| Average total assets | $3,323,480,000 | 355 |
| Average earning assets | $3,085,804,667 | 348 |
| Average equity | $330,970,000 | 365 |
| Average total loans | $2,027,523,000 | 364 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2190% | 2,626 |
| Cost of funding earning assets | 0.1031% | 4,099 |
| Net interest margin | 3.1159% | 2,121 |
| Noninterest income to average assets | 0.5123% | 2,084 |
| Noninterest expense to average assets | 1.8288% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2594% | 1,094 |
| Return on assets (ROA) | 1.2594% | 1,081 |
| Pretax return on assets | 1.5841% | 853 |
| Return on Equity (ROE) | 12.8504% | 1,073 |
| Retained earnings to average equity (ytd only) | 6.5256% | 2,067 |
| Net charge-offs to loans | -0.0044% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0649% | 4,118 |
| Assets per employee ($millions) | 10.4754% | 601 |
| Cash dividends to net income (ytd only)* | 49.2191% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 1,254 |
| Loan loss allowance to noncurrent loans | 641.0893% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 2,613 |
| Noncurrent loans to loans | 0.2504% | 2,590 |
| Net loans and leases to total assets | 60.7169% | 1,988 |
| Net loans and leases to deposits | 70.5882% | 1,907 |
| Net loans and leases to core deposits | 71.8423% | 2,128 |
| Total domestic deposits to total assets | 86.0157% | 3,257 |
| Equity capital to assets | 9.6917% | 2,143 |
| Core capital (leverage) ratio | 8.2398% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7208% | 2,707 |
| Memoranda: | ||
| Average total assets | $3,355,585,000 | 354 |
| Average earning assets | $3,123,743,500 | 347 |
| Average equity | $328,861,000 | 377 |
| Average total loans | $1,982,606,500 | 370 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2789% | 3,273 |
| Cost of funding earning assets | 0.1511% | 3,965 |
| Net interest margin | 3.1278% | 2,812 |
| Noninterest income to average assets | 0.6501% | 1,942 |
| Noninterest expense to average assets | 1.7985% | 4,148 |
| Loan and lease loss provision to assets | -0.1394% | 4,607 |
| Net operating income to assets | 1.5269% | 965 |
| Return on assets (ROA) | 1.5269% | 1,000 |
| Pretax return on assets | 1.9249% | 688 |
| Return on Equity (ROE) | 16.3847% | 693 |
| Retained earnings to average equity (ytd only) | 2.5788% | 3,805 |
| Net charge-offs to loans | -0.0002% | 3,207 |
| Credit loss provision to net charge-offs | 92,100.0000% | 2 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7392% | 4,304 |
| Assets per employee ($millions) | 11.3127% | 467 |
| Cash dividends to net income (ytd only)* | 84.2606% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 927 |
| Loan loss allowance to noncurrent loans | 591.6993% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 2,666 |
| Noncurrent loans to loans | 0.2976% | 2,527 |
| Net loans and leases to total assets | 55.4549% | 2,687 |
| Net loans and leases to deposits | 64.4533% | 2,649 |
| Net loans and leases to core deposits | 65.8033% | 2,837 |
| Total domestic deposits to total assets | 86.0388% | 2,889 |
| Equity capital to assets | 9.9096% | 2,744 |
| Core capital (leverage) ratio | 8.2082% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8088% | 2,314 |
| Memoranda: | ||
| Average total assets | $2,642,688,200 | 421 |
| Average earning assets | $2,478,809,200 | 410 |
| Average equity | $246,272,800 | 453 |
| Average total loans | $1,635,623,800 | 431 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 2,904 |
| Cost of funding earning assets | 0.1648% | 3,975 |
| Net interest margin | 3.3129% | 2,381 |
| Noninterest income to average assets | 0.6732% | 1,916 |
| Noninterest expense to average assets | 1.6581% | 4,393 |
| Loan and lease loss provision to assets | -0.2119% | 4,762 |
| Net operating income to assets | 1.8549% | 608 |
| Return on assets (ROA) | 1.8549% | 630 |
| Pretax return on assets | 2.3370% | 437 |
| Return on Equity (ROE) | 20.3419% | 402 |
| Retained earnings to average equity (ytd only) | 20.3419% | 119 |
| Net charge-offs to loans | 0.0170% | 1,722 |
| Credit loss provision to net charge-offs | -1,959.5000% | 3,989 |
| Earnings coverage of net charge-offs (x) | 196.5450% | 559 |
| Efficiency ratio | 43.3787% | 4,605 |
| Assets per employee ($millions) | 12.9906% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1817% | 471 |
| Loan loss allowance to noncurrent loans | 6,186.4407% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,913 |
| Noncurrent loans to loans | 0.0353% | 3,955 |
| Net loans and leases to total assets | 54.5077% | 2,905 |
| Net loans and leases to deposits | 64.0003% | 2,850 |
| Net loans and leases to core deposits | 66.4705% | 2,912 |
| Total domestic deposits to total assets | 85.1679% | 3,059 |
| Equity capital to assets | 9.0212% | 3,814 |
| Core capital (leverage) ratio | 8.5074% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2068% | 1,900 |
| Memoranda: | ||
| Average total assets | $2,466,217,000 | 445 |
| Average earning assets | $2,315,166,250 | 438 |
| Average equity | $224,883,750 | 491 |
| Average total loans | $1,571,970,750 | 458 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3759% | 3,242 |
| Cost of funding earning assets | 0.1718% | 4,025 |
| Net interest margin | 3.2041% | 2,741 |
| Noninterest income to average assets | 0.6979% | 1,813 |
| Noninterest expense to average assets | 1.7523% | 4,278 |
| Loan and lease loss provision to assets | -0.1337% | 4,690 |
| Net operating income to assets | 1.6521% | 952 |
| Return on assets (ROA) | 1.6521% | 1,002 |
| Pretax return on assets | 2.0802% | 705 |
| Return on Equity (ROE) | 18.0454% | 649 |
| Retained earnings to average equity (ytd only) | 18.0454% | 223 |
| Net charge-offs to loans | 0.0202% | 1,536 |
| Credit loss provision to net charge-offs | -991.3043% | 3,646 |
| Earnings coverage of net charge-offs (x) | 144.3354% | 604 |
| Efficiency ratio | 46.8986% | 4,469 |
| Assets per employee ($millions) | 11.8580% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2926% | 368 |
| Loan loss allowance to noncurrent loans | 443.6996% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 2,242 |
| Noncurrent loans to loans | 0.5167% | 2,124 |
| Net loans and leases to total assets | 58.5903% | 2,591 |
| Net loans and leases to deposits | 68.9529% | 2,523 |
| Net loans and leases to core deposits | 71.4899% | 2,648 |
| Total domestic deposits to total assets | 84.9715% | 3,106 |
| Equity capital to assets | 8.9390% | 3,848 |
| Core capital (leverage) ratio | 8.4885% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8101% | 2,044 |
| Memoranda: | ||
| Average total assets | $2,387,607,333 | 453 |
| Average earning assets | $2,236,236,667 | 449 |
| Average equity | $218,592,667 | 497 |
| Average total loans | $1,594,070,000 | 452 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5517% | 2,783 |
| Cost of funding earning assets | 0.1824% | 4,060 |
| Net interest margin | 3.3693% | 2,188 |
| Noninterest income to average assets | 0.7632% | 1,677 |
| Noninterest expense to average assets | 1.8205% | 4,173 |
| Loan and lease loss provision to assets | 0.1827% | 674 |
| Net operating income to assets | 1.5117% | 1,303 |
| Return on assets (ROA) | 1.5117% | 1,364 |
| Pretax return on assets | 1.9041% | 1,108 |
| Return on Equity (ROE) | 16.2972% | 959 |
| Retained earnings to average equity (ytd only) | 16.2972% | 485 |
| Net charge-offs to loans | 0.0054% | 1,710 |
| Credit loss provision to net charge-offs | 4,777.2727% | 120 |
| Earnings coverage of net charge-offs (x) | 545.5909% | 174 |
| Efficiency ratio | 46.1244% | 4,465 |
| Assets per employee ($millions) | 11.2172% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3330% | 343 |
| Loan loss allowance to noncurrent loans | 407.4853% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 2,140 |
| Noncurrent loans to loans | 0.5725% | 2,137 |
| Net loans and leases to total assets | 66.5776% | 1,725 |
| Net loans and leases to deposits | 79.2362% | 1,592 |
| Net loans and leases to core deposits | 81.6136% | 1,872 |
| Total domestic deposits to total assets | 84.0242% | 3,424 |
| Equity capital to assets | 9.1067% | 3,585 |
| Core capital (leverage) ratio | 10.0409% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0079% | 2,289 |
| Memoranda: | ||
| Average total assets | $2,300,747,000 | 460 |
| Average earning assets | $2,146,943,500 | 455 |
| Average equity | $213,411,000 | 500 |
| Average total loans | $1,623,153,500 | 445 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 1,923 |
| Cost of funding earning assets | 0.3003% | 4,143 |
| Net interest margin | 3.9817% | 1,009 |
| Noninterest income to average assets | 0.7616% | 1,650 |
| Noninterest expense to average assets | 2.1916% | 3,685 |
| Loan and lease loss provision to assets | 0.9315% | 117 |
| Net operating income to assets | 1.1250% | 1,818 |
| Return on assets (ROA) | 1.1253% | 1,943 |
| Pretax return on assets | 1.3836% | 1,708 |
| Return on Equity (ROE) | 10.9425% | 1,647 |
| Retained earnings to average equity (ytd only) | 2.4774% | 3,616 |
| Net charge-offs to loans | 0.0853% | 1,608 |
| Credit loss provision to net charge-offs | 1,453.4919% | 576 |
| Earnings coverage of net charge-offs (x) | 36.1197% | 1,461 |
| Efficiency ratio | 48.1768% | 4,626 |
| Assets per employee ($millions) | 10.4845% | 453 |
| Cash dividends to net income (ytd only)* | 77.3601% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2854% | 361 |
| Loan loss allowance to noncurrent loans | 394.0838% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 2,204 |
| Noncurrent loans to loans | 0.5799% | 2,250 |
| Net loans and leases to total assets | 71.4494% | 1,376 |
| Net loans and leases to deposits | 85.7672% | 1,266 |
| Net loans and leases to core deposits | 88.0956% | 1,685 |
| Total domestic deposits to total assets | 83.3061% | 3,327 |
| Equity capital to assets | 9.4583% | 3,653 |
| Core capital (leverage) ratio | 10.2303% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4192% | 2,480 |
| Memoranda: | ||
| Average total assets | $2,033,235,400 | 470 |
| Average earning assets | $1,912,200,600 | 462 |
| Average equity | $209,092,200 | 487 |
| Average total loans | $1,527,754,000 | 442 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 1,770 |
| Cost of funding earning assets | 0.3281% | 4,171 |
| Net interest margin | 4.1008% | 894 |
| Noninterest income to average assets | 0.7663% | 1,604 |
| Noninterest expense to average assets | 2.1338% | 3,867 |
| Loan and lease loss provision to assets | 0.7854% | 233 |
| Net operating income to assets | 1.3719% | 1,173 |
| Return on assets (ROA) | 1.3720% | 1,269 |
| Pretax return on assets | 1.7119% | 948 |
| Return on Equity (ROE) | 13.0501% | 1,098 |
| Retained earnings to average equity (ytd only) | 6.2897% | 1,979 |
| Net charge-offs to loans | 0.0913% | 1,392 |
| Credit loss provision to net charge-offs | 1,136.1785% | 767 |
| Earnings coverage of net charge-offs (x) | 36.1242% | 1,435 |
| Efficiency ratio | 45.6209% | 4,735 |
| Assets per employee ($millions) | 10.3730% | 445 |
| Cash dividends to net income (ytd only)* | 51.8033% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8574% | 638 |
| Loan loss allowance to noncurrent loans | 255.6729% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5611% | 2,043 |
| Noncurrent loans to loans | 0.7265% | 1,986 |
| Net loans and leases to total assets | 71.4461% | 1,753 |
| Net loans and leases to deposits | 88.8889% | 1,384 |
| Net loans and leases to core deposits | 91.1397% | 1,875 |
| Total domestic deposits to total assets | 80.3769% | 3,786 |
| Equity capital to assets | 9.6227% | 3,579 |
| Core capital (leverage) ratio | 10.3619% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0239% | 2,190 |
| Memoranda: | ||
| Average total assets | $1,988,486,250 | 471 |
| Average earning assets | $1,874,008,250 | 462 |
| Average equity | $209,055,250 | 481 |
| Average total loans | $1,505,293,750 | 442 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 1,778 |
| Cost of funding earning assets | 0.3682% | 4,183 |
| Net interest margin | 4.1828% | 961 |
| Noninterest income to average assets | 0.7407% | 1,612 |
| Noninterest expense to average assets | 2.2832% | 3,565 |
| Loan and lease loss provision to assets | 0.6711% | 427 |
| Net operating income to assets | 1.3869% | 1,144 |
| Return on assets (ROA) | 1.3871% | 1,236 |
| Pretax return on assets | 1.7256% | 943 |
| Return on Equity (ROE) | 12.7745% | 1,156 |
| Retained earnings to average equity (ytd only) | 9.7871% | 830 |
| Net charge-offs to loans | 0.0996% | 1,276 |
| Credit loss provision to net charge-offs | 877.4282% | 861 |
| Earnings coverage of net charge-offs (x) | 31.3311% | 1,399 |
| Efficiency ratio | 48.3219% | 4,606 |
| Assets per employee ($millions) | 9.5599% | 574 |
| Cash dividends to net income (ytd only)* | 23.3856% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,182 |
| Loan loss allowance to noncurrent loans | 293.9600% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 2,575 |
| Noncurrent loans to loans | 0.5198% | 2,601 |
| Net loans and leases to total assets | 75.6189% | 1,198 |
| Net loans and leases to deposits | 95.3331% | 848 |
| Net loans and leases to core deposits | 97.5493% | 1,450 |
| Total domestic deposits to total assets | 79.3207% | 3,970 |
| Equity capital to assets | 10.0127% | 3,191 |
| Core capital (leverage) ratio | 10.6877% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8472% | 2,244 |
| Memoranda: | ||
| Average total assets | $1,911,371,667 | 479 |
| Average earning assets | $1,799,942,667 | 466 |
| Average equity | $207,538,000 | 484 |
| Average total loans | $1,468,392,333 | 447 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 1,851 |
| Cost of funding earning assets | 0.4657% | 4,089 |
| Net interest margin | 4.1851% | 949 |
| Noninterest income to average assets | 0.7458% | 1,472 |
| Noninterest expense to average assets | 2.4211% | 3,492 |
| Loan and lease loss provision to assets | 0.2629% | 1,186 |
| Net operating income to assets | 1.5869% | 640 |
| Return on assets (ROA) | 1.5872% | 707 |
| Pretax return on assets | 1.9916% | 453 |
| Return on Equity (ROE) | 13.9740% | 701 |
| Retained earnings to average equity (ytd only) | 7.9128% | 1,253 |
| Net charge-offs to loans | 0.1532% | 843 |
| Credit loss provision to net charge-offs | 223.3962% | 1,356 |
| Earnings coverage of net charge-offs (x) | 19.1509% | 1,441 |
| Efficiency ratio | 51.2873% | 4,594 |
| Assets per employee ($millions) | 8.2769% | 668 |
| Cash dividends to net income (ytd only)* | 43.3748% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,625 |
| Loan loss allowance to noncurrent loans | 1,050.2890% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 3,937 |
| Noncurrent loans to loans | 0.1353% | 3,979 |
| Net loans and leases to total assets | 75.1117% | 1,444 |
| Net loans and leases to deposits | 94.4125% | 1,042 |
| Net loans and leases to core deposits | 96.9983% | 1,719 |
| Total domestic deposits to total assets | 79.5569% | 3,938 |
| Equity capital to assets | 11.1811% | 2,699 |
| Core capital (leverage) ratio | 10.6955% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2566% | 2,589 |
| Memoranda: | ||
| Average total assets | $1,801,134,000 | 491 |
| Average earning assets | $1,691,134,500 | 481 |
| Average equity | $204,579,500 | 484 |
| Average total loans | $1,384,041,000 | 455 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 1,554 |
| Cost of funding earning assets | 0.5791% | 3,723 |
| Net interest margin | 4.3896% | 910 |
| Noninterest income to average assets | 0.8233% | 1,378 |
| Noninterest expense to average assets | 2.4889% | 3,482 |
| Loan and lease loss provision to assets | 0.1122% | 1,868 |
| Net operating income to assets | 1.9181% | 417 |
| Return on assets (ROA) | 1.9181% | 434 |
| Pretax return on assets | 2.3339% | 283 |
| Return on Equity (ROE) | 17.1519% | 403 |
| Retained earnings to average equity (ytd only) | 10.7348% | 372 |
| Net charge-offs to loans | 0.0804% | 1,955 |
| Credit loss provision to net charge-offs | 179.7196% | 1,456 |
| Earnings coverage of net charge-offs (x) | 39.1832% | 1,334 |
| Efficiency ratio | 49.9379% | 4,737 |
| Assets per employee ($millions) | 7.8416% | 756 |
| Cash dividends to net income (ytd only)* | 37.4133% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,454 |
| Loan loss allowance to noncurrent loans | 1,248.9018% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 3,993 |
| Noncurrent loans to loans | 0.1137% | 4,077 |
| Net loans and leases to total assets | 76.4233% | 1,338 |
| Net loans and leases to deposits | 96.2108% | 920 |
| Net loans and leases to core deposits | 99.4165% | 1,616 |
| Total domestic deposits to total assets | 79.4332% | 4,093 |
| Equity capital to assets | 11.5447% | 2,492 |
| Core capital (leverage) ratio | 11.0708% | 2,435 |
| Tier 1 risk-based capital ratio | 12.1380% | 4,278 |
| Total risk-based capital ratio | 13.3880% | 4,169 |
| Memoranda: | ||
| Average total assets | $1,714,004,200 | 495 |
| Average earning assets | $1,605,492,600 | 484 |
| Average equity | $191,675,800 | 490 |
| Average total loans | $1,331,232,000 | 453 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 1,548 |
| Cost of funding earning assets | 0.6022% | 3,693 |
| Net interest margin | 4.3957% | 956 |
| Noninterest income to average assets | 0.8074% | 1,395 |
| Noninterest expense to average assets | 2.3870% | 3,723 |
| Loan and lease loss provision to assets | 0.1034% | 1,858 |
| Net operating income to assets | 1.9716% | 417 |
| Return on assets (ROA) | 1.9716% | 438 |
| Pretax return on assets | 2.4355% | 285 |
| Return on Equity (ROE) | 17.7784% | 411 |
| Retained earnings to average equity (ytd only) | 9.0967% | 1,017 |
| Net charge-offs to loans | 0.0792% | 1,689 |
| Credit loss provision to net charge-offs | 168.0662% | 1,502 |
| Earnings coverage of net charge-offs (x) | 41.2673% | 1,349 |
| Efficiency ratio | 47.9597% | 4,856 |
| Assets per employee ($millions) | 7.6511% | 792 |
| Cash dividends to net income (ytd only)* | 48.8328% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,516 |
| Loan loss allowance to noncurrent loans | 1,319.5697% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 4,152 |
| Noncurrent loans to loans | 0.1072% | 4,163 |
| Net loans and leases to total assets | 77.3274% | 1,259 |
| Net loans and leases to deposits | 96.2236% | 992 |
| Net loans and leases to core deposits | 105.1075% | 1,251 |
| Total domestic deposits to total assets | 80.3622% | 3,908 |
| Equity capital to assets | 11.3686% | 2,776 |
| Core capital (leverage) ratio | 10.5626% | 3,047 |
| Tier 1 risk-based capital ratio | 11.8124% | 4,508 |
| Total risk-based capital ratio | 13.0625% | 4,398 |
| Memoranda: | ||
| Average total assets | $1,703,377,250 | 496 |
| Average earning assets | $1,595,961,750 | 485 |
| Average equity | $188,898,750 | 496 |
| Average total loans | $1,323,610,750 | 454 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 1,551 |
| Cost of funding earning assets | 0.5924% | 3,686 |
| Net interest margin | 4.3817% | 975 |
| Noninterest income to average assets | 0.7376% | 1,573 |
| Noninterest expense to average assets | 2.3635% | 3,837 |
| Loan and lease loss provision to assets | 0.1101% | 1,699 |
| Net operating income to assets | 1.9146% | 461 |
| Return on assets (ROA) | 1.9146% | 483 |
| Pretax return on assets | 2.3735% | 303 |
| Return on Equity (ROE) | 17.4119% | 419 |
| Retained earnings to average equity (ytd only) | 12.8110% | 320 |
| Net charge-offs to loans | 0.0286% | 2,282 |
| Credit loss provision to net charge-offs | 497.8723% | 609 |
| Earnings coverage of net charge-offs (x) | 112.2819% | 638 |
| Efficiency ratio | 48.2535% | 4,889 |
| Assets per employee ($millions) | 7.8593% | 705 |
| Cash dividends to net income (ytd only)* | 26.4241% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 1,373 |
| Loan loss allowance to noncurrent loans | 1,286.1538% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 4,181 |
| Noncurrent loans to loans | 0.1141% | 4,161 |
| Net loans and leases to total assets | 73.0332% | 2,051 |
| Net loans and leases to deposits | 88.5679% | 1,931 |
| Net loans and leases to core deposits | 105.7155% | 1,260 |
| Total domestic deposits to total assets | 82.4601% | 3,384 |
| Equity capital to assets | 10.9578% | 3,108 |
| Core capital (leverage) ratio | 10.7021% | 2,890 |
| Tier 1 risk-based capital ratio | 12.0976% | 4,363 |
| Total risk-based capital ratio | 13.3483% | 4,251 |
| Memoranda: | ||
| Average total assets | $1,699,887,000 | 500 |
| Average earning assets | $1,594,281,330 | 481 |
| Average equity | $186,918,000 | 499 |
| Average total loans | $1,316,718,000 | 456 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0483% | 1,219 |
| Cost of funding earning assets | 0.6044% | 3,548 |
| Net interest margin | 4.4439% | 823 |
| Noninterest income to average assets | 0.7341% | 1,487 |
| Noninterest expense to average assets | 2.3712% | 3,842 |
| Loan and lease loss provision to assets | 0.1191% | 1,470 |
| Net operating income to assets | 1.9461% | 422 |
| Return on assets (ROA) | 1.9461% | 437 |
| Pretax return on assets | 2.4022% | 297 |
| Return on Equity (ROE) | 17.6662% | 431 |
| Retained earnings to average equity (ytd only) | 11.1264% | 775 |
| Net charge-offs to loans | -0.0085% | 4,169 |
| Credit loss provision to net charge-offs | -1,771.4286% | 4,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9556% | 4,944 |
| Assets per employee ($millions) | 7.6487% | 764 |
| Cash dividends to net income (ytd only)* | 37.0188% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,579 |
| Loan loss allowance to noncurrent loans | 1,223.6961% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 4,156 |
| Noncurrent loans to loans | 0.1167% | 4,216 |
| Net loans and leases to total assets | 79.7672% | 870 |
| Net loans and leases to deposits | 98.5040% | 736 |
| Net loans and leases to core deposits | 108.5418% | 1,017 |
| Total domestic deposits to total assets | 80.9787% | 3,975 |
| Equity capital to assets | 11.3313% | 2,540 |
| Core capital (leverage) ratio | 10.2640% | 3,312 |
| Tier 1 risk-based capital ratio | 11.5292% | 4,728 |
| Total risk-based capital ratio | 12.7796% | 4,619 |
| Memoranda: | ||
| Average total assets | $1,665,664,500 | 509 |
| Average earning assets | $1,558,634,500 | 495 |
| Average equity | $183,491,500 | 501 |
| Average total loans | $1,319,728,500 | 457 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 1,173 |
| Cost of funding earning assets | 0.4035% | 3,967 |
| Net interest margin | 4.5408% | 706 |
| Noninterest income to average assets | 0.8748% | 1,249 |
| Noninterest expense to average assets | 2.5927% | 3,360 |
| Loan and lease loss provision to assets | 0.1748% | 1,135 |
| Net operating income to assets | 1.9076% | 437 |
| Return on assets (ROA) | 1.9076% | 432 |
| Pretax return on assets | 2.3567% | 270 |
| Return on Equity (ROE) | 18.1422% | 376 |
| Retained earnings to average equity (ytd only) | 14.2433% | 152 |
| Net charge-offs to loans | 0.1624% | 1,183 |
| Credit loss provision to net charge-offs | 133.8725% | 1,981 |
| Earnings coverage of net charge-offs (x) | 19.3882% | 2,066 |
| Efficiency ratio | 50.0897% | 4,939 |
| Assets per employee ($millions) | 7.8095% | 702 |
| Cash dividends to net income (ytd only)* | 21.4907% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 1,593 |
| Loan loss allowance to noncurrent loans | 1,152.8384% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 4,182 |
| Noncurrent loans to loans | 0.1225% | 4,179 |
| Net loans and leases to total assets | 76.4868% | 1,522 |
| Net loans and leases to deposits | 93.3685% | 1,351 |
| Net loans and leases to core deposits | 102.2103% | 1,564 |
| Total domestic deposits to total assets | 81.9192% | 3,661 |
| Equity capital to assets | 10.7088% | 2,971 |
| Core capital (leverage) ratio | 10.0924% | 3,470 |
| Tier 1 risk-based capital ratio | 11.3378% | 4,800 |
| Total risk-based capital ratio | 12.5880% | 4,707 |
| Memoranda: | ||
| Average total assets | $1,609,897,000 | 509 |
| Average earning assets | $1,506,593,200 | 495 |
| Average equity | $169,279,800 | 519 |
| Average total loans | $1,294,200,400 | 448 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 1,128 |
| Cost of funding earning assets | 0.3628% | 4,098 |
| Net interest margin | 4.5515% | 671 |
| Noninterest income to average assets | 0.8551% | 1,322 |
| Noninterest expense to average assets | 2.4784% | 3,655 |
| Loan and lease loss provision to assets | 0.1732% | 1,066 |
| Net operating income to assets | 1.9794% | 402 |
| Return on assets (ROA) | 1.9794% | 397 |
| Pretax return on assets | 2.4663% | 247 |
| Return on Equity (ROE) | 18.9173% | 347 |
| Retained earnings to average equity (ytd only) | 13.6303% | 289 |
| Net charge-offs to loans | 0.0848% | 1,663 |
| Credit loss provision to net charge-offs | 251.6443% | 1,170 |
| Earnings coverage of net charge-offs (x) | 38.3556% | 1,389 |
| Efficiency ratio | 47.9118% | 5,053 |
| Assets per employee ($millions) | 7.7311% | 709 |
| Cash dividends to net income (ytd only)* | 27.9483% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 1,481 |
| Loan loss allowance to noncurrent loans | 707.2917% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 3,625 |
| Noncurrent loans to loans | 0.2068% | 3,973 |
| Net loans and leases to total assets | 77.4155% | 1,429 |
| Net loans and leases to deposits | 93.0691% | 1,498 |
| Net loans and leases to core deposits | 96.2113% | 2,098 |
| Total domestic deposits to total assets | 83.1807% | 3,239 |
| Equity capital to assets | 10.4680% | 3,173 |
| Core capital (leverage) ratio | 9.5112% | 4,162 |
| Tier 1 risk-based capital ratio | 10.8153% | 5,127 |
| Total risk-based capital ratio | 12.0655% | 5,024 |
| Memoranda: | ||
| Average total assets | $1,590,659,000 | 510 |
| Average earning assets | $1,489,800,750 | 496 |
| Average equity | $166,439,250 | 522 |
| Average total loans | $1,290,576,250 | 446 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 1,108 |
| Cost of funding earning assets | 0.3029% | 4,394 |
| Net interest margin | 4.5581% | 614 |
| Noninterest income to average assets | 0.8598% | 1,288 |
| Noninterest expense to average assets | 2.5101% | 3,605 |
| Loan and lease loss provision to assets | 0.1755% | 1,035 |
| Net operating income to assets | 1.9594% | 410 |
| Return on assets (ROA) | 1.9594% | 407 |
| Pretax return on assets | 2.4411% | 246 |
| Return on Equity (ROE) | 18.7284% | 356 |
| Retained earnings to average equity (ytd only) | 18.7284% | 85 |
| Net charge-offs to loans | 0.1084% | 1,286 |
| Credit loss provision to net charge-offs | 197.2779% | 1,318 |
| Earnings coverage of net charge-offs (x) | 29.4155% | 1,521 |
| Efficiency ratio | 48.4427% | 5,098 |
| Assets per employee ($millions) | 7.3568% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 1,699 |
| Loan loss allowance to noncurrent loans | 683.2222% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 3,666 |
| Noncurrent loans to loans | 0.2072% | 3,983 |
| Net loans and leases to total assets | 80.4754% | 942 |
| Net loans and leases to deposits | 97.7109% | 985 |
| Net loans and leases to core deposits | 100.9315% | 1,655 |
| Total domestic deposits to total assets | 82.3607% | 3,611 |
| Equity capital to assets | 10.7581% | 2,881 |
| Core capital (leverage) ratio | 9.8874% | 3,698 |
| Tier 1 risk-based capital ratio | 10.7284% | 5,182 |
| Total risk-based capital ratio | 11.9787% | 5,078 |
| Memoranda: | ||
| Average total assets | $1,569,391,330 | 519 |
| Average earning assets | $1,469,128,330 | 506 |
| Average equity | $164,189,330 | 524 |
| Average total loans | $1,287,494,330 | 448 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 1,177 |
| Cost of funding earning assets | 0.2220% | 4,883 |
| Net interest margin | 4.5330% | 580 |
| Noninterest income to average assets | 0.8286% | 1,365 |
| Noninterest expense to average assets | 2.4611% | 3,773 |
| Loan and lease loss provision to assets | 0.1568% | 1,152 |
| Net operating income to assets | 1.9701% | 399 |
| Return on assets (ROA) | 1.9701% | 400 |
| Pretax return on assets | 2.4529% | 239 |
| Return on Equity (ROE) | 19.1083% | 311 |
| Retained earnings to average equity (ytd only) | 19.1083% | 124 |
| Net charge-offs to loans | 0.1788% | 816 |
| Credit loss provision to net charge-offs | 106.6434% | 1,483 |
| Earnings coverage of net charge-offs (x) | 17.7465% | 1,566 |
| Efficiency ratio | 48.0024% | 5,194 |
| Assets per employee ($millions) | 7.2560% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 1,928 |
| Loan loss allowance to noncurrent loans | 652.1978% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 3,708 |
| Noncurrent loans to loans | 0.2112% | 4,027 |
| Net loans and leases to total assets | 80.9584% | 800 |
| Net loans and leases to deposits | 99.2983% | 763 |
| Net loans and leases to core deposits | 111.0774% | 940 |
| Total domestic deposits to total assets | 81.5305% | 4,080 |
| Equity capital to assets | 10.4200% | 3,155 |
| Core capital (leverage) ratio | 9.7045% | 3,840 |
| Tier 1 risk-based capital ratio | 10.6888% | 5,287 |
| Total risk-based capital ratio | 11.9393% | 5,179 |
| Memoranda: | ||
| Average total assets | $1,555,878,000 | 527 |
| Average earning assets | $1,456,075,500 | 515 |
| Average equity | $160,412,000 | 544 |
| Average total loans | $1,279,656,500 | 454 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 860 |
| Cost of funding earning assets | 0.1847% | 5,062 |
| Net interest margin | 4.6804% | 437 |
| Noninterest income to average assets | 0.8779% | 1,334 |
| Noninterest expense to average assets | 2.6778% | 3,203 |
| Loan and lease loss provision to assets | 0.1707% | 1,285 |
| Net operating income to assets | 1.3777% | 1,063 |
| Return on assets (ROA) | 1.3734% | 1,090 |
| Pretax return on assets | 2.3831% | 224 |
| Return on Equity (ROE) | 14.1196% | 743 |
| Retained earnings to average equity (ytd only) | 6.7411% | 1,177 |
| Net charge-offs to loans | 0.0905% | 2,182 |
| Credit loss provision to net charge-offs | 238.3588% | 1,164 |
| Earnings coverage of net charge-offs (x) | 35.7443% | 1,357 |
| Efficiency ratio | 50.5480% | 5,193 |
| Assets per employee ($millions) | 7.1832% | 895 |
| Cash dividends to net income (ytd only)* | 52.2570% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,758 |
| Loan loss allowance to noncurrent loans | 367.5631% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 3,426 |
| Noncurrent loans to loans | 0.3816% | 3,387 |
| Net loans and leases to total assets | 81.2520% | 790 |
| Net loans and leases to deposits | 93.8223% | 1,298 |
| Net loans and leases to core deposits | 104.8672% | 1,350 |
| Total domestic deposits to total assets | 86.6020% | 2,188 |
| Equity capital to assets | 10.1975% | 3,493 |
| Core capital (leverage) ratio | 9.2839% | 4,311 |
| Tier 1 risk-based capital ratio | 10.3714% | 5,417 |
| Total risk-based capital ratio | 11.6221% | 5,332 |
| Memoranda: | ||
| Average total assets | $1,462,980,800 | 532 |
| Average earning assets | $1,362,963,400 | 516 |
| Average equity | $142,306,000 | 571 |
| Average total loans | $1,158,443,800 | 475 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 860 |
| Cost of funding earning assets | 0.1886% | 5,064 |
| Net interest margin | 4.6487% | 448 |
| Noninterest income to average assets | 0.9047% | 1,260 |
| Noninterest expense to average assets | 2.5483% | 3,574 |
| Loan and lease loss provision to assets | 0.1369% | 1,567 |
| Net operating income to assets | 1.7445% | 529 |
| Return on assets (ROA) | 1.7448% | 544 |
| Pretax return on assets | 2.5460% | 196 |
| Return on Equity (ROE) | 18.1710% | 319 |
| Retained earnings to average equity (ytd only) | 8.0771% | 1,184 |
| Net charge-offs to loans | 0.0672% | 2,161 |
| Credit loss provision to net charge-offs | 260.1754% | 1,099 |
| Earnings coverage of net charge-offs (x) | 50.9825% | 1,102 |
| Efficiency ratio | 48.1374% | 5,334 |
| Assets per employee ($millions) | 7.3751% | 803 |
| Cash dividends to net income (ytd only)* | 55.5497% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,826 |
| Loan loss allowance to noncurrent loans | 382.6560% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 3,684 |
| Noncurrent loans to loans | 0.3705% | 3,624 |
| Net loans and leases to total assets | 78.1153% | 1,247 |
| Net loans and leases to deposits | 90.8153% | 1,715 |
| Net loans and leases to core deposits | 103.4233% | 1,440 |
| Total domestic deposits to total assets | 86.0156% | 2,304 |
| Equity capital to assets | 10.1550% | 3,745 |
| Core capital (leverage) ratio | 8.9492% | 4,798 |
| Tier 1 risk-based capital ratio | 10.6448% | 5,396 |
| Total risk-based capital ratio | 11.8957% | 5,328 |
| Memoranda: | ||
| Average total assets | $1,444,426,000 | 538 |
| Average earning assets | $1,344,169,750 | 527 |
| Average equity | $138,693,500 | 592 |
| Average total loans | $1,131,361,500 | 481 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 820 |
| Cost of funding earning assets | 0.1939% | 5,037 |
| Net interest margin | 4.6317% | 451 |
| Noninterest income to average assets | 0.8900% | 1,298 |
| Noninterest expense to average assets | 2.5666% | 3,533 |
| Loan and lease loss provision to assets | 0.1461% | 1,393 |
| Net operating income to assets | 1.7073% | 560 |
| Return on assets (ROA) | 1.7074% | 564 |
| Pretax return on assets | 2.4806% | 220 |
| Return on Equity (ROE) | 18.1596% | 319 |
| Retained earnings to average equity (ytd only) | 2.3700% | 4,258 |
| Net charge-offs to loans | 0.0888% | 1,723 |
| Credit loss provision to net charge-offs | 210.8163% | 1,224 |
| Earnings coverage of net charge-offs (x) | 37.9122% | 1,291 |
| Efficiency ratio | 48.8266% | 5,365 |
| Assets per employee ($millions) | 7.3764% | 788 |
| Cash dividends to net income (ytd only)* | 86.9493% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 1,944 |
| Loan loss allowance to noncurrent loans | 440.3500% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 3,933 |
| Noncurrent loans to loans | 0.3183% | 3,894 |
| Net loans and leases to total assets | 77.3130% | 1,345 |
| Net loans and leases to deposits | 89.0829% | 1,855 |
| Net loans and leases to core deposits | 104.4364% | 1,326 |
| Total domestic deposits to total assets | 86.7878% | 2,044 |
| Equity capital to assets | 9.7019% | 4,224 |
| Core capital (leverage) ratio | 8.5902% | 5,150 |
| Tier 1 risk-based capital ratio | 10.2053% | 5,577 |
| Total risk-based capital ratio | 11.4560% | 5,510 |
| Memoranda: | ||
| Average total assets | $1,414,563,000 | 545 |
| Average earning assets | $1,314,211,330 | 543 |
| Average equity | $132,998,330 | 621 |
| Average total loans | $1,103,304,670 | 491 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 569 |
| Cost of funding earning assets | 0.2101% | 4,882 |
| Net interest margin | 4.7403% | 352 |
| Noninterest income to average assets | 0.8891% | 1,279 |
| Noninterest expense to average assets | 2.6787% | 3,223 |
| Loan and lease loss provision to assets | 0.2215% | 716 |
| Net operating income to assets | 1.6644% | 590 |
| Return on assets (ROA) | 1.6644% | 604 |
| Pretax return on assets | 2.3920% | 260 |
| Return on Equity (ROE) | 18.0284% | 340 |
| Retained earnings to average equity (ytd only) | -15.5530% | 5,670 |
| Net charge-offs to loans | 0.0999% | 1,375 |
| Credit loss provision to net charge-offs | 285.1711% | 818 |
| Earnings coverage of net charge-offs (x) | 33.6540% | 1,143 |
| Efficiency ratio | 50.0028% | 5,376 |
| Assets per employee ($millions) | 6.9350% | 979 |
| Cash dividends to net income (ytd only)* | 186.2693% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 2,015 |
| Loan loss allowance to noncurrent loans | 326.1207% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 3,595 |
| Noncurrent loans to loans | 0.4340% | 3,544 |
| Net loans and leases to total assets | 78.5081% | 1,058 |
| Net loans and leases to deposits | 89.8886% | 1,550 |
| Net loans and leases to core deposits | 104.1654% | 1,214 |
| Total domestic deposits to total assets | 87.3393% | 2,057 |
| Equity capital to assets | 9.5299% | 4,258 |
| Core capital (leverage) ratio | 8.3079% | 5,376 |
| Tier 1 risk-based capital ratio | 9.6781% | 5,758 |
| Total risk-based capital ratio | 10.9287% | 5,740 |
| Memoranda: | ||
| Average total assets | $1,354,694,500 | 571 |
| Average earning assets | $1,258,329,500 | 564 |
| Average equity | $125,069,000 | 660 |
| Average total loans | $1,053,419,500 | 508 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 3,051 |
| Cost of funding earning assets | 0.1550% | 5,386 |
| Net interest margin | 3.8886% | 2,001 |
| Noninterest income to average assets | 0.9945% | 1,164 |
| Noninterest expense to average assets | 2.4959% | 4,026 |
| Loan and lease loss provision to assets | 0.1799% | 1,326 |
| Net operating income to assets | 1.4218% | 969 |
| Return on assets (ROA) | 1.4218% | 993 |
| Pretax return on assets | 1.9756% | 529 |
| Return on Equity (ROE) | 17.4123% | 368 |
| Retained earnings to average equity (ytd only) | 14.9187% | 108 |
| Net charge-offs to loans | 0.0613% | 2,832 |
| Credit loss provision to net charge-offs | 406.8140% | 783 |
| Earnings coverage of net charge-offs (x) | 48.7385% | 1,026 |
| Efficiency ratio | 53.6238% | 5,270 |
| Assets per employee ($millions) | 6.6943% | 1,051 |
| Cash dividends to net income (ytd only)* | 14.3209% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 990 |
| Loan loss allowance to noncurrent loans | 574.3752% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 4,055 |
| Noncurrent loans to loans | 0.3090% | 4,033 |
| Net loans and leases to total assets | 74.1273% | 1,835 |
| Net loans and leases to deposits | 84.8242% | 2,330 |
| Net loans and leases to core deposits | 94.6492% | 2,043 |
| Total domestic deposits to total assets | 87.3893% | 1,938 |
| Equity capital to assets | 8.8680% | 4,946 |
| Core capital (leverage) ratio | 8.9456% | 4,801 |
| Tier 1 risk-based capital ratio | 11.0512% | 5,316 |
| Total risk-based capital ratio | 12.3067% | 5,200 |
| Memoranda: | ||
| Average total assets | $1,227,787,000 | 602 |
| Average earning assets | $1,154,616,800 | 581 |
| Average equity | $100,256,600 | 787 |
| Average total loans | $885,193,200 | 577 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 3,447 |
| Cost of funding earning assets | 0.1575% | 5,430 |
| Net interest margin | 3.7867% | 2,381 |
| Noninterest income to average assets | 0.9284% | 1,319 |
| Noninterest expense to average assets | 2.3668% | 4,364 |
| Loan and lease loss provision to assets | 0.1982% | 1,069 |
| Net operating income to assets | 1.3653% | 1,132 |
| Return on assets (ROA) | 1.3653% | 1,206 |
| Pretax return on assets | 1.9298% | 660 |
| Return on Equity (ROE) | 17.0843% | 438 |
| Retained earnings to average equity (ytd only) | 13.6938% | 189 |
| Net charge-offs to loans | 0.0896% | 2,072 |
| Credit loss provision to net charge-offs | 310.5263% | 1,004 |
| Earnings coverage of net charge-offs (x) | 33.3346% | 1,393 |
| Efficiency ratio | 52.6199% | 5,341 |
| Assets per employee ($millions) | 7.2394% | 807 |
| Cash dividends to net income (ytd only)* | 19.8460% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 1,032 |
| Loan loss allowance to noncurrent loans | 583.8354% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 4,296 |
| Noncurrent loans to loans | 0.3065% | 4,151 |
| Net loans and leases to total assets | 67.6881% | 2,840 |
| Net loans and leases to deposits | 77.9647% | 3,186 |
| Net loans and leases to core deposits | 94.2979% | 2,167 |
| Total domestic deposits to total assets | 86.8189% | 1,980 |
| Equity capital to assets | 8.0983% | 5,707 |
| Core capital (leverage) ratio | 8.1780% | 5,589 |
| Tier 1 risk-based capital ratio | 10.9350% | 5,397 |
| Total risk-based capital ratio | 12.1906% | 5,318 |
| Memoranda: | ||
| Average total assets | $1,230,143,500 | 601 |
| Average earning assets | $1,158,577,500 | 581 |
| Average equity | $98,309,750 | 806 |
| Average total loans | $876,627,500 | 572 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,447 |
| Cost of funding earning assets | 0.1600% | 5,483 |
| Net interest margin | 3.7855% | 2,384 |
| Noninterest income to average assets | 0.8878% | 1,411 |
| Noninterest expense to average assets | 2.3597% | 4,455 |
| Loan and lease loss provision to assets | 0.1910% | 1,135 |
| Net operating income to assets | 1.3480% | 1,172 |
| Return on assets (ROA) | 1.3480% | 1,240 |
| Pretax return on assets | 1.9024% | 693 |
| Return on Equity (ROE) | 16.9480% | 442 |
| Retained earnings to average equity (ytd only) | 11.7556% | 362 |
| Net charge-offs to loans | 0.0758% | 2,103 |
| Credit loss provision to net charge-offs | 349.2447% | 856 |
| Earnings coverage of net charge-offs (x) | 38.2840% | 1,186 |
| Efficiency ratio | 52.9530% | 5,388 |
| Assets per employee ($millions) | 6.4842% | 1,091 |
| Cash dividends to net income (ytd only)* | 30.6373% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 1,221 |
| Loan loss allowance to noncurrent loans | 561.5747% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 4,255 |
| Noncurrent loans to loans | 0.3073% | 4,268 |
| Net loans and leases to total assets | 73.8677% | 1,868 |
| Net loans and leases to deposits | 86.4338% | 2,198 |
| Net loans and leases to core deposits | 100.0979% | 1,625 |
| Total domestic deposits to total assets | 85.4616% | 2,660 |
| Equity capital to assets | 8.3834% | 5,658 |
| Core capital (leverage) ratio | 8.1474% | 5,635 |
| Tier 1 risk-based capital ratio | 10.3745% | 5,730 |
| Total risk-based capital ratio | 11.6292% | 5,647 |
| Memoranda: | ||
| Average total assets | $1,210,654,670 | 605 |
| Average earning assets | $1,140,254,670 | 587 |
| Average equity | $96,294,330 | 823 |
| Average total loans | $872,794,000 | 575 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 3,675 |
| Cost of funding earning assets | 0.1637% | 5,521 |
| Net interest margin | 3.7130% | 2,615 |
| Noninterest income to average assets | 0.7954% | 1,632 |
| Noninterest expense to average assets | 2.3430% | 4,538 |
| Loan and lease loss provision to assets | 0.1607% | 1,293 |
| Net operating income to assets | 1.2803% | 1,305 |
| Return on assets (ROA) | 1.2803% | 1,395 |
| Pretax return on assets | 1.7969% | 855 |
| Return on Equity (ROE) | 16.5327% | 484 |
| Retained earnings to average equity (ytd only) | 5.9430% | 2,403 |
| Net charge-offs to loans | 0.0572% | 1,944 |
| Credit loss provision to net charge-offs | 398.3740% | 713 |
| Earnings coverage of net charge-offs (x) | 48.5203% | 901 |
| Efficiency ratio | 54.4428% | 5,346 |
| Assets per employee ($millions) | 6.7827% | 972 |
| Cash dividends to net income (ytd only)* | 64.0533% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 1,285 |
| Loan loss allowance to noncurrent loans | 539.4756% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 4,131 |
| Noncurrent loans to loans | 0.3206% | 4,283 |
| Net loans and leases to total assets | 70.2847% | 2,292 |
| Net loans and leases to deposits | 83.1899% | 2,403 |
| Net loans and leases to core deposits | 95.8298% | 1,820 |
| Total domestic deposits to total assets | 84.4870% | 3,318 |
| Equity capital to assets | 7.8536% | 5,872 |
| Core capital (leverage) ratio | 7.7126% | 5,870 |
| Tier 1 risk-based capital ratio | 10.5831% | 5,717 |
| Total risk-based capital ratio | 11.8386% | 5,622 |
| Memoranda: | ||
| Average total assets | $1,219,436,500 | 599 |
| Average earning assets | $1,151,211,000 | 581 |
| Average equity | $94,431,000 | 837 |
| Average total loans | $860,798,000 | 578 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 3,598 |
| Cost of funding earning assets | 0.1604% | 5,612 |
| Net interest margin | 3.7695% | 2,485 |
| Noninterest income to average assets | 0.9885% | 1,209 |
| Noninterest expense to average assets | 2.5539% | 4,058 |
| Loan and lease loss provision to assets | 0.2344% | 834 |
| Net operating income to assets | 1.2660% | 1,351 |
| Return on assets (ROA) | 1.2660% | 1,400 |
| Pretax return on assets | 1.7637% | 864 |
| Return on Equity (ROE) | 16.7641% | 480 |
| Retained earnings to average equity (ytd only) | 14.7953% | 138 |
| Net charge-offs to loans | 0.0711% | 2,822 |
| Credit loss provision to net charge-offs | 484.6293% | 650 |
| Earnings coverage of net charge-offs (x) | 41.3128% | 1,145 |
| Efficiency ratio | 56.0378% | 5,338 |
| Assets per employee ($millions) | 6.8043% | 959 |
| Cash dividends to net income (ytd only)* | 11.7444% | 4,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 1,316 |
| Loan loss allowance to noncurrent loans | 1,117.6201% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 4,643 |
| Noncurrent loans to loans | 0.1536% | 4,879 |
| Net loans and leases to total assets | 68.4697% | 2,630 |
| Net loans and leases to deposits | 79.4630% | 2,889 |
| Net loans and leases to core deposits | 92.6618% | 2,161 |
| Total domestic deposits to total assets | 86.1656% | 2,562 |
| Equity capital to assets | 7.6350% | 5,961 |
| Core capital (leverage) ratio | 7.8939% | 5,881 |
| Tier 1 risk-based capital ratio | 10.6220% | 5,718 |
| Total risk-based capital ratio | 11.8774% | 5,633 |
| Memoranda: | ||
| Average total assets | $1,143,406,800 | 614 |
| Average earning assets | $1,080,883,000 | 595 |
| Average equity | $86,345,200 | 884 |
| Average total loans | $777,697,800 | 597 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 3,451 |
| Cost of funding earning assets | 0.1605% | 5,700 |
| Net interest margin | 3.8128% | 2,337 |
| Noninterest income to average assets | 0.8981% | 1,459 |
| Noninterest expense to average assets | 2.4168% | 4,463 |
| Loan and lease loss provision to assets | 0.2214% | 848 |
| Net operating income to assets | 1.3206% | 1,288 |
| Return on assets (ROA) | 1.3206% | 1,348 |
| Pretax return on assets | 1.8648% | 777 |
| Return on Equity (ROE) | 17.5411% | 435 |
| Retained earnings to average equity (ytd only) | 14.8604% | 170 |
| Net charge-offs to loans | 0.0980% | 2,171 |
| Credit loss provision to net charge-offs | 334.2294% | 873 |
| Earnings coverage of net charge-offs (x) | 31.4929% | 1,456 |
| Efficiency ratio | 53.5908% | 5,547 |
| Assets per employee ($millions) | 6.9725% | 885 |
| Cash dividends to net income (ytd only)* | 15.2823% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 1,517 |
| Loan loss allowance to noncurrent loans | 862.9445% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 5,158 |
| Noncurrent loans to loans | 0.1949% | 4,867 |
| Net loans and leases to total assets | 66.2667% | 2,968 |
| Net loans and leases to deposits | 78.2270% | 3,078 |
| Net loans and leases to core deposits | 93.3055% | 2,143 |
| Total domestic deposits to total assets | 84.7108% | 3,122 |
| Equity capital to assets | 7.3830% | 6,091 |
| Core capital (leverage) ratio | 7.5969% | 6,033 |
| Tier 1 risk-based capital ratio | 10.5302% | 5,871 |
| Total risk-based capital ratio | 11.7851% | 5,797 |
| Memoranda: | ||
| Average total assets | $1,123,065,250 | 630 |
| Average earning assets | $1,061,841,250 | 607 |
| Average equity | $84,553,500 | 910 |
| Average total loans | $758,809,500 | 615 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 3,556 |
| Cost of funding earning assets | 0.1624% | 5,758 |
| Net interest margin | 3.7714% | 2,433 |
| Noninterest income to average assets | 0.9147% | 1,404 |
| Noninterest expense to average assets | 2.4370% | 4,445 |
| Loan and lease loss provision to assets | 0.2255% | 837 |
| Net operating income to assets | 1.2931% | 1,344 |
| Return on assets (ROA) | 1.2931% | 1,403 |
| Pretax return on assets | 1.8166% | 866 |
| Return on Equity (ROE) | 17.0526% | 480 |
| Retained earnings to average equity (ytd only) | 12.9418% | 314 |
| Net charge-offs to loans | 0.0946% | 2,073 |
| Credit loss provision to net charge-offs | 352.4355% | 823 |
| Earnings coverage of net charge-offs (x) | 31.9112% | 1,317 |
| Efficiency ratio | 54.3047% | 5,558 |
| Assets per employee ($millions) | 6.3306% | 1,130 |
| Cash dividends to net income (ytd only)* | 24.1066% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7292% | 1,541 |
| Loan loss allowance to noncurrent loans | 729.8312% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 5,041 |
| Noncurrent loans to loans | 0.2369% | 4,815 |
| Net loans and leases to total assets | 69.5684% | 2,392 |
| Net loans and leases to deposits | 80.6066% | 2,712 |
| Net loans and leases to core deposits | 94.4822% | 1,910 |
| Total domestic deposits to total assets | 86.3060% | 2,525 |
| Equity capital to assets | 7.8154% | 6,040 |
| Core capital (leverage) ratio | 7.6799% | 6,043 |
| Tier 1 risk-based capital ratio | 10.5459% | 5,902 |
| Total risk-based capital ratio | 11.8013% | 5,848 |
| Memoranda: | ||
| Average total assets | $1,090,690,000 | 649 |
| Average earning assets | $1,030,858,000 | 631 |
| Average equity | $82,709,000 | 929 |
| Average total loans | $737,608,330 | 636 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8266% | 3,900 |
| Cost of funding earning assets | 0.1633% | 5,823 |
| Net interest margin | 3.6633% | 2,762 |
| Noninterest income to average assets | 0.8904% | 1,418 |
| Noninterest expense to average assets | 2.4553% | 4,427 |
| Loan and lease loss provision to assets | 0.1757% | 1,105 |
| Net operating income to assets | 1.2311% | 1,458 |
| Return on assets (ROA) | 1.2311% | 1,547 |
| Pretax return on assets | 1.7228% | 1,007 |
| Return on Equity (ROE) | 16.4889% | 519 |
| Retained earnings to average equity (ytd only) | 8.1214% | 1,525 |
| Net charge-offs to loans | 0.1119% | 1,624 |
| Credit loss provision to net charge-offs | 237.8109% | 946 |
| Earnings coverage of net charge-offs (x) | 25.7015% | 1,259 |
| Efficiency ratio | 56.2674% | 5,494 |
| Assets per employee ($millions) | 6.5180% | 1,064 |
| Cash dividends to net income (ytd only)* | 50.7463% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 1,657 |
| Loan loss allowance to noncurrent loans | 716.8533% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 5,109 |
| Noncurrent loans to loans | 0.2419% | 4,914 |
| Net loans and leases to total assets | 65.8674% | 2,801 |
| Net loans and leases to deposits | 75.9704% | 3,060 |
| Net loans and leases to core deposits | 90.0574% | 2,123 |
| Total domestic deposits to total assets | 86.7014% | 2,551 |
| Equity capital to assets | 7.4780% | 6,186 |
| Core capital (leverage) ratio | 7.3729% | 6,180 |
| Tier 1 risk-based capital ratio | 10.7072% | 5,933 |
| Total risk-based capital ratio | 11.9628% | 5,859 |
| Memoranda: | ||
| Average total assets | $1,088,440,000 | 649 |
| Average earning assets | $1,029,010,000 | 627 |
| Average equity | $81,267,000 | 940 |
| Average total loans | $718,756,000 | 648 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9944% | 3,750 |
| Cost of funding earning assets | 0.1832% | 5,888 |
| Net interest margin | 3.8111% | 2,586 |
| Noninterest income to average assets | 0.8679% | 1,615 |
| Noninterest expense to average assets | 2.6859% | 3,918 |
| Loan and lease loss provision to assets | 0.1576% | 1,666 |
| Net operating income to assets | 1.1846% | 1,639 |
| Return on assets (ROA) | 1.1857% | 1,699 |
| Pretax return on assets | 1.6104% | 1,208 |
| Return on Equity (ROE) | 16.2435% | 590 |
| Retained earnings to average equity (ytd only) | 13.2513% | 210 |
| Net charge-offs to loans | -0.0041% | 5,440 |
| Credit loss provision to net charge-offs | -5,877.7778% | 6,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1877% | 5,196 |
| Assets per employee ($millions) | 6.5172% | 1,041 |
| Cash dividends to net income (ytd only)* | 18.4208% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 1,545 |
| Loan loss allowance to noncurrent loans | 662.1508% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 5,124 |
| Noncurrent loans to loans | 0.2713% | 4,880 |
| Net loans and leases to total assets | 63.8489% | 3,249 |
| Net loans and leases to deposits | 73.2970% | 3,515 |
| Net loans and leases to core deposits | 87.6163% | 2,537 |
| Total domestic deposits to total assets | 87.1097% | 2,223 |
| Equity capital to assets | 7.4545% | 6,245 |
| Core capital (leverage) ratio | 7.4571% | 6,218 |
| Tier 1 risk-based capital ratio | 11.1055% | 5,868 |
| Total risk-based capital ratio | 12.3621% | 5,806 |
| Memoranda: | ||
| Average total assets | $1,007,273,800 | 673 |
| Average earning assets | $947,387,800 | 652 |
| Average equity | $73,524,800 | 994 |
| Average total loans | $658,773,600 | 659 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9728% | 3,861 |
| Cost of funding earning assets | 0.1877% | 5,941 |
| Net interest margin | 3.7851% | 2,672 |
| Noninterest income to average assets | 0.8698% | 1,626 |
| Noninterest expense to average assets | 2.5814% | 4,254 |
| Loan and lease loss provision to assets | 0.1838% | 1,332 |
| Net operating income to assets | 1.2029% | 1,672 |
| Return on assets (ROA) | 1.2042% | 1,732 |
| Pretax return on assets | 1.6611% | 1,161 |
| Return on Equity (ROE) | 16.5935% | 609 |
| Retained earnings to average equity (ytd only) | 12.5119% | 374 |
| Net charge-offs to loans | -0.0208% | 5,622 |
| Credit loss provision to net charge-offs | -1,351.4851% | 5,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2075% | 5,417 |
| Assets per employee ($millions) | 6.6128% | 962 |
| Cash dividends to net income (ytd only)* | 24.5975% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 1,642 |
| Loan loss allowance to noncurrent loans | 474.7324% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 4,904 |
| Noncurrent loans to loans | 0.3845% | 4,760 |
| Net loans and leases to total assets | 62.3501% | 3,431 |
| Net loans and leases to deposits | 72.1886% | 3,670 |
| Net loans and leases to core deposits | 87.3714% | 2,495 |
| Total domestic deposits to total assets | 86.3712% | 2,659 |
| Equity capital to assets | 7.1488% | 6,362 |
| Core capital (leverage) ratio | 7.3565% | 6,317 |
| Tier 1 risk-based capital ratio | 10.9441% | 6,021 |
| Total risk-based capital ratio | 12.2008% | 5,963 |
| Memoranda: | ||
| Average total assets | $990,257,750 | 681 |
| Average earning assets | $929,929,000 | 659 |
| Average equity | $71,865,750 | 1,020 |
| Average total loans | $648,679,000 | 666 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 3,600 |
| Cost of funding earning assets | 0.1932% | 5,972 |
| Net interest margin | 3.8423% | 2,403 |
| Noninterest income to average assets | 0.8565% | 1,630 |
| Noninterest expense to average assets | 2.6087% | 4,211 |
| Loan and lease loss provision to assets | 0.1798% | 1,367 |
| Net operating income to assets | 1.2142% | 1,548 |
| Return on assets (ROA) | 1.2163% | 1,601 |
| Pretax return on assets | 1.6714% | 1,083 |
| Return on Equity (ROE) | 16.6673% | 590 |
| Retained earnings to average equity (ytd only) | 12.1149% | 414 |
| Net charge-offs to loans | -0.0282% | 5,663 |
| Credit loss provision to net charge-offs | -962.2222% | 5,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4366% | 5,499 |
| Assets per employee ($millions) | 6.0461% | 1,252 |
| Cash dividends to net income (ytd only)* | 27.3131% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 1,797 |
| Loan loss allowance to noncurrent loans | 474.1345% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 4,842 |
| Noncurrent loans to loans | 0.3835% | 4,843 |
| Net loans and leases to total assets | 67.3420% | 2,526 |
| Net loans and leases to deposits | 77.8247% | 2,823 |
| Net loans and leases to core deposits | 90.7116% | 2,057 |
| Total domestic deposits to total assets | 86.5304% | 2,743 |
| Equity capital to assets | 7.7195% | 6,291 |
| Core capital (leverage) ratio | 7.6061% | 6,273 |
| Tier 1 risk-based capital ratio | 10.9517% | 6,070 |
| Total risk-based capital ratio | 12.2084% | 6,009 |
| Memoranda: | ||
| Average total assets | $963,254,330 | 694 |
| Average earning assets | $902,647,000 | 674 |
| Average equity | $70,293,330 | 1,037 |
| Average total loans | $638,120,000 | 670 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 3,514 |
| Cost of funding earning assets | 0.1977% | 6,017 |
| Net interest margin | 3.8439% | 2,293 |
| Noninterest income to average assets | 0.7940% | 1,780 |
| Noninterest expense to average assets | 2.6268% | 4,192 |
| Loan and lease loss provision to assets | 0.1650% | 1,470 |
| Net operating income to assets | 1.1731% | 1,558 |
| Return on assets (ROA) | 1.1774% | 1,610 |
| Pretax return on assets | 1.6182% | 1,137 |
| Return on Equity (ROE) | 16.6082% | 575 |
| Retained earnings to average equity (ytd only) | 7.2745% | 1,914 |
| Net charge-offs to loans | -0.1296% | 6,226 |
| Credit loss provision to net charge-offs | -195.5882% | 4,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5493% | 5,463 |
| Assets per employee ($millions) | 6.0276% | 1,285 |
| Cash dividends to net income (ytd only)* | 56.1995% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8063% | 2,016 |
| Loan loss allowance to noncurrent loans | 407.7221% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 4,797 |
| Noncurrent loans to loans | 0.4430% | 4,816 |
| Net loans and leases to total assets | 65.1774% | 2,697 |
| Net loans and leases to deposits | 75.3811% | 2,889 |
| Net loans and leases to core deposits | 92.7183% | 1,665 |
| Total domestic deposits to total assets | 86.4639% | 3,132 |
| Equity capital to assets | 7.2301% | 6,396 |
| Core capital (leverage) ratio | 7.1439% | 6,439 |
| Tier 1 risk-based capital ratio | 10.7492% | 6,259 |
| Total risk-based capital ratio | 12.0059% | 6,218 |
| Memoranda: | ||
| Average total assets | $967,243,500 | 697 |
| Average earning assets | $908,457,000 | 676 |
| Average equity | $68,568,500 | 1,068 |
| Average total loans | $629,571,500 | 680 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 3,045 |
| Cost of funding earning assets | 0.2173% | 6,197 |
| Net interest margin | 4.0596% | 1,765 |
| Noninterest income to average assets | 0.8733% | 1,773 |
| Noninterest expense to average assets | 2.9264% | 3,289 |
| Loan and lease loss provision to assets | 0.2747% | 1,277 |
| Net operating income to assets | 1.0935% | 1,956 |
| Return on assets (ROA) | 1.0957% | 2,019 |
| Pretax return on assets | 1.4634% | 1,571 |
| Return on Equity (ROE) | 15.2139% | 724 |
| Retained earnings to average equity (ytd only) | 11.7410% | 338 |
| Net charge-offs to loans | 0.1580% | 3,221 |
| Credit loss provision to net charge-offs | 273.8749% | 829 |
| Earnings coverage of net charge-offs (x) | 17.3008% | 1,727 |
| Efficiency ratio | 62.6833% | 5,104 |
| Assets per employee ($millions) | 6.1011% | 1,205 |
| Cash dividends to net income (ytd only)* | 22.8273% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8202% | 2,003 |
| Loan loss allowance to noncurrent loans | 311.0712% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 4,635 |
| Noncurrent loans to loans | 0.5851% | 4,519 |
| Net loans and leases to total assets | 62.6482% | 3,261 |
| Net loans and leases to deposits | 71.7130% | 3,563 |
| Net loans and leases to core deposits | 85.0315% | 2,559 |
| Total domestic deposits to total assets | 87.3595% | 2,548 |
| Equity capital to assets | 6.9489% | 6,467 |
| Core capital (leverage) ratio | 7.1996% | 6,475 |
| Tier 1 risk-based capital ratio | 10.8558% | 6,240 |
| Total risk-based capital ratio | 12.1125% | 6,186 |
| Memoranda: | ||
| Average total assets | $908,351,000 | 727 |
| Average earning assets | $847,625,800 | 703 |
| Average equity | $65,420,600 | 1,095 |
| Average total loans | $576,698,000 | 727 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 2,806 |
| Cost of funding earning assets | 0.2225% | 6,280 |
| Net interest margin | 4.1235% | 1,559 |
| Noninterest income to average assets | 0.8973% | 1,763 |
| Noninterest expense to average assets | 2.8633% | 3,430 |
| Loan and lease loss provision to assets | 0.2833% | 1,221 |
| Net operating income to assets | 1.1628% | 1,762 |
| Return on assets (ROA) | 1.1657% | 1,828 |
| Pretax return on assets | 1.5953% | 1,344 |
| Return on Equity (ROE) | 16.0328% | 646 |
| Retained earnings to average equity (ytd only) | 12.4985% | 373 |
| Net charge-offs to loans | 0.0132% | 4,873 |
| Credit loss provision to net charge-offs | 3,387.5000% | 102 |
| Earnings coverage of net charge-offs (x) | 224.1930% | 260 |
| Efficiency ratio | 60.3404% | 5,384 |
| Assets per employee ($millions) | 6.0399% | 1,217 |
| Cash dividends to net income (ytd only)* | 22.0443% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 1,930 |
| Loan loss allowance to noncurrent loans | 389.4011% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 4,965 |
| Noncurrent loans to loans | 0.4939% | 4,964 |
| Net loans and leases to total assets | 62.2349% | 3,321 |
| Net loans and leases to deposits | 71.3555% | 3,589 |
| Net loans and leases to core deposits | 86.5344% | 2,340 |
| Total domestic deposits to total assets | 87.2180% | 2,555 |
| Equity capital to assets | 6.8991% | 6,575 |
| Core capital (leverage) ratio | 7.0171% | 6,583 |
| Tier 1 risk-based capital ratio | 10.9095% | 6,317 |
| Total risk-based capital ratio | 12.1675% | 6,280 |
| Memoranda: | ||
| Average total assets | $892,921,750 | 745 |
| Average earning assets | $831,664,250 | 722 |
| Average equity | $64,923,500 | 1,113 |
| Average total loans | $566,123,250 | 733 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 2,662 |
| Cost of funding earning assets | 0.2243% | 6,345 |
| Net interest margin | 4.1498% | 1,411 |
| Noninterest income to average assets | 0.9507% | 1,653 |
| Noninterest expense to average assets | 2.9686% | 3,097 |
| Loan and lease loss provision to assets | 0.3156% | 1,124 |
| Net operating income to assets | 1.1266% | 1,829 |
| Return on assets (ROA) | 1.1312% | 1,924 |
| Pretax return on assets | 1.5355% | 1,524 |
| Return on Equity (ROE) | 15.2754% | 763 |
| Retained earnings to average equity (ytd only) | 15.2754% | 220 |
| Net charge-offs to loans | -0.0047% | 5,625 |
| Credit loss provision to net charge-offs | -10,615.3846% | 6,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5765% | 5,234 |
| Assets per employee ($millions) | 5.7304% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9899% | 1,875 |
| Loan loss allowance to noncurrent loans | 228.9152% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 4,315 |
| Noncurrent loans to loans | 0.8693% | 4,184 |
| Net loans and leases to total assets | 64.7757% | 2,798 |
| Net loans and leases to deposits | 73.0944% | 3,283 |
| Net loans and leases to core deposits | 85.8606% | 2,345 |
| Total domestic deposits to total assets | 88.6192% | 1,831 |
| Equity capital to assets | 7.4938% | 6,442 |
| Core capital (leverage) ratio | 7.5799% | 6,422 |
| Tier 1 risk-based capital ratio | 11.0505% | 6,310 |
| Total risk-based capital ratio | 12.3104% | 6,285 |
| Memoranda: | ||
| Average total assets | $874,476,000 | 757 |
| Average earning assets | $814,024,670 | 741 |
| Average equity | $64,757,670 | 1,117 |
| Average total loans | $554,257,330 | 748 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 3,193 |
| Cost of funding earning assets | 0.2270% | 6,432 |
| Net interest margin | 4.0006% | 1,780 |
| Noninterest income to average assets | 0.9020% | 1,753 |
| Noninterest expense to average assets | 2.9662% | 3,091 |
| Loan and lease loss provision to assets | 0.3194% | 1,057 |
| Net operating income to assets | 0.9995% | 2,224 |
| Return on assets (ROA) | 0.9995% | 2,344 |
| Pretax return on assets | 1.3344% | 2,106 |
| Return on Equity (ROE) | 13.5788% | 1,038 |
| Retained earnings to average equity (ytd only) | 13.5788% | 487 |
| Net charge-offs to loans | 0.0311% | 3,599 |
| Credit loss provision to net charge-offs | 1,654.7619% | 195 |
| Earnings coverage of net charge-offs (x) | 85.6905% | 437 |
| Efficiency ratio | 64.1038% | 5,000 |
| Assets per employee ($millions) | 5.6678% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0726% | 1,862 |
| Loan loss allowance to noncurrent loans | 227.7438% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8048% | 4,361 |
| Noncurrent loans to loans | 0.9101% | 4,318 |
| Net loans and leases to total assets | 62.0435% | 3,053 |
| Net loans and leases to deposits | 70.5671% | 3,380 |
| Net loans and leases to core deposits | 84.6950% | 2,245 |
| Total domestic deposits to total assets | 87.9213% | 2,369 |
| Equity capital to assets | 7.6455% | 6,542 |
| Core capital (leverage) ratio | 7.1984% | 6,583 |
| Tier 1 risk-based capital ratio | 11.3331% | 6,264 |
| Total risk-based capital ratio | 12.5927% | 6,236 |
| Memoranda: | ||
| Average total assets | $870,472,000 | 767 |
| Average earning assets | $808,987,000 | 756 |
| Average equity | $64,070,500 | 1,155 |
| Average total loans | $539,765,500 | 777 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 4,415 |
| Cost of funding earning assets | 0.2714% | 6,584 |
| Net interest margin | 3.9743% | 2,498 |
| Noninterest income to average assets | 0.9848% | 1,580 |
| Noninterest expense to average assets | 2.9843% | 3,338 |
| Loan and lease loss provision to assets | 0.3018% | 2,263 |
| Net operating income to assets | 1.0499% | 2,124 |
| Return on assets (ROA) | 1.0499% | 2,319 |
| Pretax return on assets | 1.3922% | 2,067 |
| Return on Equity (ROE) | 14.7884% | 849 |
| Retained earnings to average equity (ytd only) | 11.9824% | 326 |
| Net charge-offs to loans | 0.3066% | 3,111 |
| Credit loss provision to net charge-offs | 159.4388% | 1,686 |
| Earnings coverage of net charge-offs (x) | 8.9483% | 2,331 |
| Efficiency ratio | 63.6868% | 4,943 |
| Assets per employee ($millions) | 6.7998% | 860 |
| Cash dividends to net income (ytd only)* | 18.9742% | 3,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 1,957 |
| Loan loss allowance to noncurrent loans | 250.4575% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 4,561 |
| Noncurrent loans to loans | 0.8083% | 4,571 |
| Net loans and leases to total assets | 59.4923% | 3,684 |
| Net loans and leases to deposits | 66.7555% | 4,171 |
| Net loans and leases to core deposits | 81.3822% | 2,839 |
| Total domestic deposits to total assets | 89.1196% | 1,486 |
| Equity capital to assets | 7.0884% | 6,759 |
| Core capital (leverage) ratio | 6.9389% | 6,719 |
| Tier 1 risk-based capital ratio | 10.9391% | 6,372 |
| Total risk-based capital ratio | 12.1982% | 6,329 |
| Memoranda: | ||
| Average total assets | $828,268,200 | 795 |
| Average earning assets | $769,740,800 | 774 |
| Average equity | $58,802,800 | 1,207 |
| Average total loans | $511,398,800 | 807 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 4,644 |
| Cost of funding earning assets | 0.2828% | 6,683 |
| Net interest margin | 3.9684% | 2,634 |
| Noninterest income to average assets | 0.9706% | 1,593 |
| Noninterest expense to average assets | 2.9239% | 3,505 |
| Loan and lease loss provision to assets | 0.2953% | 2,228 |
| Net operating income to assets | 1.0678% | 2,228 |
| Return on assets (ROA) | 1.0678% | 2,433 |
| Pretax return on assets | 1.4420% | 2,105 |
| Return on Equity (ROE) | 15.0336% | 895 |
| Retained earnings to average equity (ytd only) | 12.3771% | 466 |
| Net charge-offs to loans | 0.0712% | 4,703 |
| Credit loss provision to net charge-offs | 669.1450% | 403 |
| Earnings coverage of net charge-offs (x) | 39.3640% | 890 |
| Efficiency ratio | 62.6223% | 5,046 |
| Assets per employee ($millions) | 6.6434% | 883 |
| Cash dividends to net income (ytd only)* | 17.6706% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9337% | 2,378 |
| Loan loss allowance to noncurrent loans | 145.2245% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 4,245 |
| Noncurrent loans to loans | 1.3315% | 3,810 |
| Net loans and leases to total assets | 57.8590% | 4,159 |
| Net loans and leases to deposits | 65.9028% | 4,482 |
| Net loans and leases to core deposits | 79.3891% | 3,282 |
| Total domestic deposits to total assets | 87.7945% | 2,177 |
| Equity capital to assets | 7.0926% | 6,869 |
| Core capital (leverage) ratio | 6.9609% | 6,802 |
| Tier 1 risk-based capital ratio | 11.4547% | 6,248 |
| Total risk-based capital ratio | 12.7128% | 6,219 |
| Memoranda: | ||
| Average total assets | $812,643,250 | 816 |
| Average earning assets | $755,755,750 | 797 |
| Average equity | $57,718,250 | 1,233 |
| Average total loans | $504,026,500 | 827 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 4,497 |
| Cost of funding earning assets | 0.3005% | 6,739 |
| Net interest margin | 4.0165% | 2,433 |
| Noninterest income to average assets | 0.9611% | 1,575 |
| Noninterest expense to average assets | 2.9727% | 3,362 |
| Loan and lease loss provision to assets | 0.3025% | 2,171 |
| Net operating income to assets | 1.0516% | 2,243 |
| Return on assets (ROA) | 1.0516% | 2,472 |
| Pretax return on assets | 1.4124% | 2,159 |
| Return on Equity (ROE) | 14.7990% | 970 |
| Retained earnings to average equity (ytd only) | 10.7197% | 801 |
| Net charge-offs to loans | 0.0835% | 4,312 |
| Credit loss provision to net charge-offs | 574.1627% | 543 |
| Earnings coverage of net charge-offs (x) | 32.5502% | 1,020 |
| Efficiency ratio | 63.3093% | 5,021 |
| Assets per employee ($millions) | 6.4565% | 985 |
| Cash dividends to net income (ytd only)* | 27.5647% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 2,706 |
| Loan loss allowance to noncurrent loans | 125.5886% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.1497% | 4,089 |
| Noncurrent loans to loans | 1.4723% | 3,702 |
| Net loans and leases to total assets | 61.7522% | 3,491 |
| Net loans and leases to deposits | 70.0287% | 3,894 |
| Net loans and leases to core deposits | 86.6582% | 2,338 |
| Total domestic deposits to total assets | 88.1814% | 2,025 |
| Equity capital to assets | 7.3018% | 6,845 |
| Core capital (leverage) ratio | 7.0959% | 6,789 |
| Tier 1 risk-based capital ratio | 11.0079% | 6,492 |
| Total risk-based capital ratio | 12.2652% | 6,466 |
| Memoranda: | ||
| Average total assets | $793,427,330 | 837 |
| Average earning assets | $736,106,000 | 819 |
| Average equity | $56,382,330 | 1,259 |
| Average total loans | $500,878,330 | 828 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 4,543 |
| Cost of funding earning assets | 0.3165% | 6,791 |
| Net interest margin | 4.0270% | 2,388 |
| Noninterest income to average assets | 0.9946% | 1,440 |
| Noninterest expense to average assets | 3.0368% | 3,129 |
| Loan and lease loss provision to assets | 0.3051% | 2,064 |
| Net operating income to assets | 1.0338% | 2,352 |
| Return on assets (ROA) | 1.0338% | 2,540 |
| Pretax return on assets | 1.3796% | 2,251 |
| Return on Equity (ROE) | 14.7563% | 1,023 |
| Retained earnings to average equity (ytd only) | 9.4940% | 1,415 |
| Net charge-offs to loans | 0.0330% | 4,224 |
| Credit loss provision to net charge-offs | 1,463.4146% | 240 |
| Earnings coverage of net charge-offs (x) | 80.8049% | 416 |
| Efficiency ratio | 64.2111% | 4,887 |
| Assets per employee ($millions) | 6.3642% | 1,051 |
| Cash dividends to net income (ytd only)* | 35.6616% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 2,886 |
| Loan loss allowance to noncurrent loans | 129.3990% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 1.1888% | 4,143 |
| Noncurrent loans to loans | 1.4146% | 3,985 |
| Net loans and leases to total assets | 60.3830% | 3,578 |
| Net loans and leases to deposits | 68.2675% | 4,015 |
| Net loans and leases to core deposits | 87.6846% | 2,088 |
| Total domestic deposits to total assets | 88.4506% | 2,037 |
| Equity capital to assets | 7.0095% | 6,935 |
| Core capital (leverage) ratio | 6.9258% | 6,869 |
| Tier 1 risk-based capital ratio | 11.0728% | 6,505 |
| Total risk-based capital ratio | 12.3286% | 6,486 |
| Memoranda: | ||
| Average total assets | $786,609,000 | 846 |
| Average earning assets | $727,990,000 | 827 |
| Average equity | $55,108,500 | 1,286 |
| Average total loans | $497,433,000 | 832 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 4,239 |
| Cost of funding earning assets | 0.4215% | 6,823 |
| Net interest margin | 4.2803% | 1,771 |
| Noninterest income to average assets | 1.3535% | 710 |
| Noninterest expense to average assets | 3.6460% | 1,648 |
| Loan and lease loss provision to assets | 0.4571% | 2,313 |
| Net operating income to assets | 0.8830% | 2,676 |
| Return on assets (ROA) | 0.9342% | 2,588 |
| Pretax return on assets | 1.2370% | 2,333 |
| Return on Equity (ROE) | 13.6927% | 1,019 |
| Retained earnings to average equity (ytd only) | 12.9986% | 225 |
| Net charge-offs to loans | 0.6646% | 2,495 |
| Credit loss provision to net charge-offs | 104.4916% | 3,281 |
| Earnings coverage of net charge-offs (x) | 3.7183% | 3,413 |
| Efficiency ratio | 69.0450% | 4,140 |
| Assets per employee ($millions) | 5.0174% | 2,180 |
| Cash dividends to net income (ytd only)* | 5.0687% | 3,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 3,329 |
| Loan loss allowance to noncurrent loans | 185.8376% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 1.1196% | 4,368 |
| Noncurrent loans to loans | 0.8939% | 4,900 |
| Net loans and leases to total assets | 63.9261% | 3,204 |
| Net loans and leases to deposits | 72.4249% | 3,741 |
| Net loans and leases to core deposits | 87.2189% | 2,472 |
| Total domestic deposits to total assets | 88.2654% | 1,989 |
| Equity capital to assets | 7.0021% | 6,962 |
| Core capital (leverage) ratio | 6.8968% | 6,897 |
| Tier 1 risk-based capital ratio | 10.5645% | 6,658 |
| Total risk-based capital ratio | 11.8198% | 6,635 |
| Memoranda: | ||
| Average total assets | $732,832,200 | 894 |
| Average earning assets | $671,008,800 | 887 |
| Average equity | $49,997,600 | 1,363 |
| Average total loans | $482,394,400 | 865 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 4,311 |
| Cost of funding earning assets | 0.4463% | 6,892 |
| Net interest margin | 4.2861% | 1,771 |
| Noninterest income to average assets | 1.3630% | 707 |
| Noninterest expense to average assets | 3.5416% | 1,829 |
| Loan and lease loss provision to assets | 0.5266% | 1,876 |
| Net operating income to assets | 0.8860% | 2,795 |
| Return on assets (ROA) | 0.9527% | 2,685 |
| Pretax return on assets | 1.3022% | 2,278 |
| Return on Equity (ROE) | 14.0631% | 1,030 |
| Retained earnings to average equity (ytd only) | 13.1166% | 370 |
| Net charge-offs to loans | 0.4403% | 2,966 |
| Credit loss provision to net charge-offs | 181.0673% | 1,637 |
| Earnings coverage of net charge-offs (x) | 5.9746% | 2,654 |
| Efficiency ratio | 66.9817% | 4,527 |
| Assets per employee ($millions) | 5.0027% | 2,189 |
| Cash dividends to net income (ytd only)* | 6.7301% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9358% | 2,516 |
| Loan loss allowance to noncurrent loans | 151.6550% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 1.3010% | 4,208 |
| Noncurrent loans to loans | 1.2764% | 4,399 |
| Net loans and leases to total assets | 61.4675% | 3,857 |
| Net loans and leases to deposits | 69.3301% | 4,414 |
| Net loans and leases to core deposits | 83.0852% | 3,177 |
| Total domestic deposits to total assets | 88.6592% | 1,656 |
| Equity capital to assets | 6.6642% | 7,111 |
| Core capital (leverage) ratio | 6.8385% | 6,995 |
| Tier 1 risk-based capital ratio | 10.7321% | 6,696 |
| Total risk-based capital ratio | 11.9915% | 6,669 |
| Memoranda: | ||
| Average total assets | $721,615,500 | 912 |
| Average earning assets | $659,330,500 | 906 |
| Average equity | $48,883,250 | 1,400 |
| Average total loans | $476,605,250 | 891 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8657% | 3,776 |
| Cost of funding earning assets | 0.4722% | 6,943 |
| Net interest margin | 4.3935% | 1,388 |
| Noninterest income to average assets | 1.3002% | 744 |
| Noninterest expense to average assets | 3.4769% | 2,047 |
| Loan and lease loss provision to assets | 0.5997% | 1,612 |
| Net operating income to assets | 0.8998% | 2,643 |
| Return on assets (ROA) | 0.8998% | 2,752 |
| Pretax return on assets | 1.2225% | 2,394 |
| Return on Equity (ROE) | 13.2033% | 1,156 |
| Retained earnings to average equity (ytd only) | 11.7493% | 557 |
| Net charge-offs to loans | 0.3870% | 3,012 |
| Credit loss provision to net charge-offs | 230.2632% | 1,309 |
| Earnings coverage of net charge-offs (x) | 6.9967% | 2,299 |
| Efficiency ratio | 65.5044% | 4,971 |
| Assets per employee ($millions) | 4.3601% | 3,064 |
| Cash dividends to net income (ytd only)* | 11.0124% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 2,403 |
| Loan loss allowance to noncurrent loans | 126.1625% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 1.7034% | 3,638 |
| Noncurrent loans to loans | 1.5762% | 4,036 |
| Net loans and leases to total assets | 65.4818% | 3,138 |
| Net loans and leases to deposits | 73.5792% | 3,868 |
| Net loans and leases to core deposits | 84.4849% | 3,138 |
| Total domestic deposits to total assets | 88.9950% | 1,529 |
| Equity capital to assets | 7.0553% | 7,086 |
| Core capital (leverage) ratio | 7.0534% | 6,974 |
| Tier 1 risk-based capital ratio | 10.4345% | 6,810 |
| Total risk-based capital ratio | 11.6940% | 6,810 |
| Memoranda: | ||
| Average total assets | $700,346,330 | 948 |
| Average earning assets | $637,443,330 | 945 |
| Average equity | $47,730,330 | 1,414 |
| Average total loans | $471,370,330 | 917 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 4,586 |
| Cost of funding earning assets | 0.5029% | 6,958 |
| Net interest margin | 4.1829% | 1,953 |
| Noninterest income to average assets | 1.4316% | 623 |
| Noninterest expense to average assets | 3.4933% | 2,019 |
| Loan and lease loss provision to assets | 0.6905% | 1,223 |
| Net operating income to assets | 0.7912% | 3,075 |
| Return on assets (ROA) | 0.7912% | 3,147 |
| Pretax return on assets | 1.0530% | 2,931 |
| Return on Equity (ROE) | 11.8217% | 1,508 |
| Retained earnings to average equity (ytd only) | 8.8384% | 1,430 |
| Net charge-offs to loans | 0.2989% | 2,850 |
| Credit loss provision to net charge-offs | 341.8803% | 953 |
| Earnings coverage of net charge-offs (x) | 8.6325% | 1,806 |
| Efficiency ratio | 66.5971% | 4,927 |
| Assets per employee ($millions) | 4.2389% | 3,368 |
| Cash dividends to net income (ytd only)* | 25.2364% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0258% | 2,339 |
| Loan loss allowance to noncurrent loans | 72.6149% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 2.4604% | 2,768 |
| Noncurrent loans to loans | 2.7898% | 2,712 |
| Net loans and leases to total assets | 62.9464% | 3,675 |
| Net loans and leases to deposits | 70.9501% | 4,200 |
| Net loans and leases to core deposits | 80.0354% | 3,756 |
| Total domestic deposits to total assets | 88.7192% | 1,944 |
| Equity capital to assets | 6.7774% | 7,147 |
| Core capital (leverage) ratio | 6.7709% | 7,091 |
| Tier 1 risk-based capital ratio | 10.7674% | 6,654 |
| Total risk-based capital ratio | 12.0297% | 6,632 |
| Memoranda: | ||
| Average total assets | $695,168,000 | 962 |
| Average earning assets | $632,390,000 | 958 |
| Average equity | $46,524,500 | 1,445 |
| Average total loans | $469,644,000 | 928 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1658% | 3,773 |
| Cost of funding earning assets | 0.7243% | 6,808 |
| Net interest margin | 4.4415% | 1,371 |
| Noninterest income to average assets | 2.1546% | 354 |
| Noninterest expense to average assets | 4.0624% | 1,074 |
| Loan and lease loss provision to assets | 0.9700% | 1,667 |
| Net operating income to assets | 0.8601% | 2,553 |
| Return on assets (ROA) | 0.8601% | 2,696 |
| Pretax return on assets | 1.1553% | 2,377 |
| Return on Equity (ROE) | 12.2086% | 1,275 |
| Retained earnings to average equity (ytd only) | 12.2086% | 258 |
| Net charge-offs to loans | 0.7082% | 2,887 |
| Credit loss provision to net charge-offs | 189.0359% | 1,709 |
| Earnings coverage of net charge-offs (x) | 4.1418% | 3,043 |
| Efficiency ratio | 65.5876% | 5,045 |
| Assets per employee ($millions) | 3.9481% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 3,268 |
| Loan loss allowance to noncurrent loans | 81.6823% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 2.1287% | 3,178 |
| Noncurrent loans to loans | 2.0625% | 3,471 |
| Net loans and leases to total assets | 69.7148% | 2,593 |
| Net loans and leases to deposits | 78.9478% | 3,346 |
| Net loans and leases to core deposits | 88.4834% | 2,986 |
| Total domestic deposits to total assets | 88.3050% | 2,060 |
| Equity capital to assets | 6.6067% | 7,231 |
| Core capital (leverage) ratio | 6.8194% | 7,101 |
| Tier 1 risk-based capital ratio | 10.2759% | 6,831 |
| Total risk-based capital ratio | 11.5333% | 6,809 |
| Memoranda: | ||
| Average total assets | $618,548,400 | 1,079 |
| Average earning assets | $561,675,400 | 1,080 |
| Average equity | $43,576,000 | 1,528 |
| Average total loans | $448,209,600 | 1,007 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 4,276 |
| Cost of funding earning assets | 0.7698% | 6,841 |
| Net interest margin | 4.3383% | 1,719 |
| Noninterest income to average assets | 2.1992% | 331 |
| Noninterest expense to average assets | 3.7508% | 1,473 |
| Loan and lease loss provision to assets | 0.9992% | 1,486 |
| Net operating income to assets | 1.0043% | 2,220 |
| Return on assets (ROA) | 1.0043% | 2,337 |
| Pretax return on assets | 1.3885% | 1,910 |
| Return on Equity (ROE) | 14.0055% | 1,036 |
| Retained earnings to average equity (ytd only) | 14.0055% | 274 |
| Net charge-offs to loans | 0.7191% | 2,623 |
| Credit loss provision to net charge-offs | 190.5972% | 1,885 |
| Earnings coverage of net charge-offs (x) | 4.5544% | 3,003 |
| Efficiency ratio | 61.1033% | 5,771 |
| Assets per employee ($millions) | 3.8198% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 4,159 |
| Loan loss allowance to noncurrent loans | 63.1057% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 2.6752% | 2,697 |
| Noncurrent loans to loans | 2.3125% | 3,331 |
| Net loans and leases to total assets | 76.0050% | 1,405 |
| Net loans and leases to deposits | 86.6686% | 2,207 |
| Net loans and leases to core deposits | 99.3877% | 1,903 |
| Total domestic deposits to total assets | 87.6961% | 2,161 |
| Equity capital to assets | 6.8762% | 7,371 |
| Core capital (leverage) ratio | 6.8786% | 7,221 |
| Tier 1 risk-based capital ratio | 9.7193% | 7,179 |
| Total risk-based capital ratio | 10.9740% | 7,171 |
| Memoranda: | ||
| Average total assets | $600,454,250 | 1,123 |
| Average earning assets | $545,238,250 | 1,119 |
| Average equity | $43,058,250 | 1,547 |
| Average total loans | $437,779,250 | 1,030 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 5,597 |
| Cost of funding earning assets | 0.7995% | 6,916 |
| Net interest margin | 4.0533% | 2,774 |
| Noninterest income to average assets | 2.4187% | 282 |
| Noninterest expense to average assets | 3.6031% | 1,773 |
| Loan and lease loss provision to assets | 1.0407% | 1,397 |
| Net operating income to assets | 1.0650% | 1,965 |
| Return on assets (ROA) | 1.0650% | 2,039 |
| Pretax return on assets | 1.4681% | 1,645 |
| Return on Equity (ROE) | 14.6185% | 923 |
| Retained earnings to average equity (ytd only) | 14.6185% | 269 |
| Net charge-offs to loans | 0.1577% | 4,679 |
| Credit loss provision to net charge-offs | 925.9259% | 401 |
| Earnings coverage of net charge-offs (x) | 22.3210% | 1,136 |
| Efficiency ratio | 58.9511% | 6,230 |
| Assets per employee ($millions) | 3.4517% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 2,953 |
| Loan loss allowance to noncurrent loans | 75.8234% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 2.3387% | 3,090 |
| Noncurrent loans to loans | 2.2868% | 3,387 |
| Net loans and leases to total assets | 71.9224% | 2,424 |
| Net loans and leases to deposits | 82.7642% | 3,125 |
| Net loans and leases to core deposits | 95.5244% | 2,506 |
| Total domestic deposits to total assets | 86.9003% | 2,584 |
| Equity capital to assets | 6.8983% | 7,382 |
| Core capital (leverage) ratio | 7.0235% | 7,179 |
| Tier 1 risk-based capital ratio | 10.0777% | 6,984 |
| Total risk-based capital ratio | 11.3355% | 6,955 |
| Memoranda: | ||
| Average total assets | $576,509,330 | 1,179 |
| Average earning assets | $525,305,000 | 1,178 |
| Average equity | $42,001,670 | 1,570 |
| Average total loans | $410,859,000 | 1,115 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 6,282 |
| Cost of funding earning assets | 0.8123% | 7,050 |
| Net interest margin | 3.8766% | 3,428 |
| Noninterest income to average assets | 1.7335% | 429 |
| Noninterest expense to average assets | 3.7010% | 1,517 |
| Loan and lease loss provision to assets | 1.0999% | 1,116 |
| Net operating income to assets | 0.4282% | 4,720 |
| Return on assets (ROA) | 0.4282% | 4,854 |
| Pretax return on assets | 0.4950% | 4,975 |
| Return on Equity (ROE) | 5.7007% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.7007% | 2,764 |
| Net charge-offs to loans | 0.0878% | 4,542 |
| Credit loss provision to net charge-offs | 1,785.7143% | 284 |
| Earnings coverage of net charge-offs (x) | 25.8929% | 972 |
| Efficiency ratio | 69.8837% | 4,326 |
| Assets per employee ($millions) | 3.0767% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,656 |
| Loan loss allowance to noncurrent loans | 153.6941% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 1.3593% | 4,474 |
| Noncurrent loans to loans | 1.1876% | 4,988 |
| Net loans and leases to total assets | 67.2151% | 3,572 |
| Net loans and leases to deposits | 77.7427% | 4,096 |
| Net loans and leases to core deposits | 93.3230% | 2,932 |
| Total domestic deposits to total assets | 86.4583% | 2,918 |
| Equity capital to assets | 7.5658% | 7,018 |
| Core capital (leverage) ratio | 7.5500% | 6,797 |
| Tier 1 risk-based capital ratio | 10.3030% | 6,808 |
| Total risk-based capital ratio | 11.5586% | 6,797 |
| Memoranda: | ||
| Average total assets | $545,481,500 | 1,282 |
| Average earning assets | $501,264,000 | 1,281 |
| Average equity | $40,977,500 | 1,630 |
| Average total loans | $382,601,000 | 1,241 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3195% | 5,083 |
| Cost of funding earning assets | 0.9822% | 7,243 |
| Net interest margin | 4.3373% | 1,609 |
| Noninterest income to average assets | 2.2913% | 314 |
| Noninterest expense to average assets | 4.4581% | 830 |
| Loan and lease loss provision to assets | 1.4761% | 1,559 |
| Net operating income to assets | 0.3102% | 4,495 |
| Return on assets (ROA) | 0.4016% | 4,227 |
| Pretax return on assets | 0.4252% | 4,418 |
| Return on Equity (ROE) | 5.2269% | 3,574 |
| Retained earnings to average equity (ytd only) | 4.7238% | 1,964 |
| Net charge-offs to loans | 1.6207% | 1,560 |
| Credit loss provision to net charge-offs | 122.7580% | 4,307 |
| Earnings coverage of net charge-offs (x) | 1.5003% | 4,623 |
| Efficiency ratio | 71.1909% | 4,414 |
| Assets per employee ($millions) | 3.0017% | 6,219 |
| Cash dividends to net income (ytd only)* | 9.6246% | 3,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 4,278 |
| Loan loss allowance to noncurrent loans | 129.7323% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 1.4077% | 4,306 |
| Noncurrent loans to loans | 1.0721% | 5,173 |
| Net loans and leases to total assets | 70.8297% | 3,045 |
| Net loans and leases to deposits | 82.5890% | 3,524 |
| Net loans and leases to core deposits | 107.7678% | 3,126 |
| Total domestic deposits to total assets | 85.7616% | 3,130 |
| Equity capital to assets | 7.4581% | 7,060 |
| Core capital (leverage) ratio | 7.7609% | 6,494 |
| Tier 1 risk-based capital ratio | 10.0787% | 6,803 |
| Total risk-based capital ratio | 11.3298% | 6,769 |
| Memoranda: | ||
| Average total assets | $517,436,200 | 1,334 |
| Average earning assets | $473,731,400 | 1,333 |
| Average equity | $39,755,800 | 1,686 |
| Average total loans | $383,897,200 | 1,255 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4143% | 4,878 |
| Cost of funding earning assets | 1.0239% | 7,336 |
| Net interest margin | 4.3904% | 1,462 |
| Noninterest income to average assets | 2.4656% | 271 |
| Noninterest expense to average assets | 4.4777% | 763 |
| Loan and lease loss provision to assets | 1.3668% | 1,411 |
| Net operating income to assets | 0.5339% | 3,853 |
| Return on assets (ROA) | 0.5339% | 3,939 |
| Pretax return on assets | 0.6369% | 4,065 |
| Return on Equity (ROE) | 6.8949% | 3,119 |
| Retained earnings to average equity (ytd only) | 6.3894% | 1,773 |
| Net charge-offs to loans | 1.5920% | 1,286 |
| Credit loss provision to net charge-offs | 114.7426% | 4,425 |
| Earnings coverage of net charge-offs (x) | 1.6821% | 4,535 |
| Efficiency ratio | 69.0849% | 4,766 |
| Assets per employee ($millions) | 3.1454% | 5,793 |
| Cash dividends to net income (ytd only)* | 7.3316% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 4,751 |
| Loan loss allowance to noncurrent loans | 90.1655% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.9704% | 3,393 |
| Noncurrent loans to loans | 1.3987% | 4,574 |
| Net loans and leases to total assets | 70.2520% | 3,447 |
| Net loans and leases to deposits | 82.1559% | 3,993 |
| Net loans and leases to core deposits | 101.5728% | 4,205 |
| Total domestic deposits to total assets | 85.5106% | 2,964 |
| Equity capital to assets | 7.9794% | 6,864 |
| Core capital (leverage) ratio | 7.8968% | 6,506 |
| Tier 1 risk-based capital ratio | 10.2817% | 6,701 |
| Total risk-based capital ratio | 11.4710% | 6,695 |
| Memoranda: | ||
| Average total assets | $510,967,250 | 1,362 |
| Average earning assets | $467,367,250 | 1,361 |
| Average equity | $39,564,500 | 1,718 |
| Average total loans | $382,308,000 | 1,276 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4778% | 4,741 |
| Cost of funding earning assets | 1.0646% | 7,445 |
| Net interest margin | 4.4132% | 1,383 |
| Noninterest income to average assets | 2.5376% | 260 |
| Noninterest expense to average assets | 4.5189% | 765 |
| Loan and lease loss provision to assets | 1.2767% | 1,339 |
| Net operating income to assets | 0.6305% | 3,550 |
| Return on assets (ROA) | 0.6305% | 3,657 |
| Pretax return on assets | 0.7775% | 3,752 |
| Return on Equity (ROE) | 8.2285% | 2,677 |
| Retained earnings to average equity (ytd only) | 7.7139% | 1,310 |
| Net charge-offs to loans | 0.7572% | 2,168 |
| Credit loss provision to net charge-offs | 221.6290% | 2,072 |
| Earnings coverage of net charge-offs (x) | 3.5661% | 3,390 |
| Efficiency ratio | 68.7481% | 5,019 |
| Assets per employee ($millions) | 3.1888% | 5,611 |
| Cash dividends to net income (ytd only)* | 6.2539% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 3,641 |
| Loan loss allowance to noncurrent loans | 144.6888% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 1.6636% | 3,697 |
| Noncurrent loans to loans | 0.9787% | 5,252 |
| Net loans and leases to total assets | 76.1349% | 2,151 |
| Net loans and leases to deposits | 94.5962% | 2,007 |
| Net loans and leases to core deposits | 123.5276% | 2,066 |
| Total domestic deposits to total assets | 80.4841% | 5,280 |
| Equity capital to assets | 7.5162% | 7,246 |
| Core capital (leverage) ratio | 7.7258% | 6,713 |
| Tier 1 risk-based capital ratio | 9.6627% | 7,257 |
| Total risk-based capital ratio | 10.9128% | 7,207 |
| Memoranda: | ||
| Average total assets | $507,245,670 | 1,398 |
| Average earning assets | $463,835,000 | 1,395 |
| Average equity | $38,865,000 | 1,752 |
| Average total loans | $385,913,000 | 1,281 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4178% | 5,325 |
| Cost of funding earning assets | 1.1385% | 7,446 |
| Net interest margin | 4.2793% | 1,650 |
| Noninterest income to average assets | 2.0726% | 345 |
| Noninterest expense to average assets | 4.0314% | 1,150 |
| Loan and lease loss provision to assets | 1.1592% | 1,121 |
| Net operating income to assets | 0.6352% | 3,865 |
| Return on assets (ROA) | 0.6352% | 4,045 |
| Pretax return on assets | 0.7876% | 4,122 |
| Return on Equity (ROE) | 8.2074% | 3,056 |
| Retained earnings to average equity (ytd only) | 7.6866% | 1,939 |
| Net charge-offs to loans | 0.1132% | 4,062 |
| Credit loss provision to net charge-offs | 1,356.6038% | 466 |
| Earnings coverage of net charge-offs (x) | 22.7830% | 1,303 |
| Efficiency ratio | 67.4353% | 5,059 |
| Assets per employee ($millions) | 3.7002% | 4,341 |
| Cash dividends to net income (ytd only)* | 6.3452% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 3,602 |
| Loan loss allowance to noncurrent loans | 130.2144% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 1.6179% | 3,492 |
| Noncurrent loans to loans | 1.0612% | 4,858 |
| Net loans and leases to total assets | 75.7862% | 2,321 |
| Net loans and leases to deposits | 89.9072% | 2,946 |
| Net loans and leases to core deposits | 112.8393% | 3,125 |
| Total domestic deposits to total assets | 84.2938% | 3,561 |
| Equity capital to assets | 7.7064% | 7,169 |
| Core capital (leverage) ratio | 7.8747% | 6,658 |
| Tier 1 risk-based capital ratio | 9.7572% | 7,195 |
| Total risk-based capital ratio | 11.0071% | 7,105 |
| Memoranda: | ||
| Average total assets | $496,200,000 | 1,430 |
| Average earning assets | $452,881,000 | 1,426 |
| Average equity | $38,404,500 | 1,770 |
| Average total loans | $374,470,000 | 1,337 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7146% | 6,730 |
| Cost of funding earning assets | 2.0285% | 6,322 |
| Net interest margin | 3.6861% | 4,526 |
| Noninterest income to average assets | 1.4612% | 662 |
| Noninterest expense to average assets | 3.1372% | 3,558 |
| Loan and lease loss provision to assets | 1.1737% | 1,233 |
| Net operating income to assets | 0.4522% | 4,945 |
| Return on assets (ROA) | 0.4522% | 4,770 |
| Pretax return on assets | 0.5241% | 4,916 |
| Return on Equity (ROE) | 5.7417% | 4,051 |
| Retained earnings to average equity (ytd only) | 0.7074% | 4,808 |
| Net charge-offs to loans | 1.3724% | 856 |
| Credit loss provision to net charge-offs | 120.5529% | 4,453 |
| Earnings coverage of net charge-offs (x) | 1.7439% | 5,200 |
| Efficiency ratio | 64.8843% | 5,351 |
| Assets per employee ($millions) | 4.0764% | 3,351 |
| Cash dividends to net income (ytd only)* | 87.6788% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 5,219 |
| Loan loss allowance to noncurrent loans | 85.5072% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.7421% | 2,807 |
| Noncurrent loans to loans | 1.2954% | 3,923 |
| Net loans and leases to total assets | 73.2271% | 3,303 |
| Net loans and leases to deposits | 86.3781% | 4,059 |
| Net loans and leases to core deposits | 107.7886% | 3,993 |
| Total domestic deposits to total assets | 84.7751% | 2,944 |
| Equity capital to assets | 7.7740% | 7,127 |
| Core capital (leverage) ratio | 7.9617% | 6,552 |
| Tier 1 risk-based capital ratio | 9.7090% | 7,071 |
| Total risk-based capital ratio | 10.7228% | 7,255 |
| Memoranda: | ||
| Average total assets | $479,255,000 | 1,432 |
| Average earning assets | $438,650,000 | 1,427 |
| Average equity | $37,741,600 | 1,790 |
| Average total loans | $339,988,800 | 1,429 |