Home > Bank Of Clarke > Performance and Condition Ratios
Bank Of Clarke, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3208% | 2,488 |
| Cost of funding earning assets | 2.2535% | 1,620 |
| Net interest margin | 3.0673% | 3,024 |
| Noninterest income to average assets | 1.1700% | 471 |
| Noninterest expense to average assets | 2.7724% | 1,576 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.9205% | 2,316 |
| Return on assets (ROA) | 0.9205% | 2,317 |
| Pretax return on assets | 1.1348% | 2,152 |
| Return on Equity (ROE) | 11.9600% | 1,619 |
| Retained earnings to average equity (ytd only) | 8.4074% | 982 |
| Net charge-offs to loans | 0.1361% | 958 |
| Credit loss provision to net charge-offs | 126.8207% | 1,592 |
| Earnings coverage of net charge-offs (x) | 11.7037% | 2,195 |
| Efficiency ratio | 68.5095% | 2,180 |
| Assets per employee ($millions) | 8.0784% | 1,496 |
| Cash dividends to net income (ytd only)* | 29.7071% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 3,098 |
| Loan loss allowance to noncurrent loans | 706.4410% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 2,909 |
| Noncurrent loans to loans | 0.1447% | 2,946 |
| Net loans and leases to total assets | 77.9500% | 906 |
| Net loans and leases to deposits | 92.2633% | 1,015 |
| Net loans and leases to core deposits | 110.3484% | 919 |
| Total domestic deposits to total assets | 84.4900% | 2,662 |
| Equity capital to assets | 7.8695% | 3,585 |
| Core capital (leverage) ratio | 8.7945% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0028% | 2,525 |
| Memoranda: | ||
| Average total assets | $1,828,530,400 | 631 |
| Average earning assets | $1,716,302,800 | 612 |
| Average equity | $140,721,600 | 769 |
| Average total loans | $1,462,735,800 | 557 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 2,541 |
| Cost of funding earning assets | 2.2297% | 1,674 |
| Net interest margin | 3.0310% | 3,034 |
| Noninterest income to average assets | 0.9400% | 669 |
| Noninterest expense to average assets | 2.7318% | 1,610 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 0.7515% | 2,835 |
| Return on assets (ROA) | 0.7515% | 2,845 |
| Pretax return on assets | 0.8905% | 2,826 |
| Return on Equity (ROE) | 9.8200% | 2,247 |
| Retained earnings to average equity (ytd only) | 5.9907% | 2,086 |
| Net charge-offs to loans | 0.1373% | 799 |
| Credit loss provision to net charge-offs | 153.8206% | 1,266 |
| Earnings coverage of net charge-offs (x) | 9.5349% | 2,160 |
| Efficiency ratio | 72.2023% | 1,765 |
| Assets per employee ($millions) | 8.0710% | 1,474 |
| Cash dividends to net income (ytd only)* | 39.0092% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,094 |
| Loan loss allowance to noncurrent loans | 572.2887% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 2,762 |
| Noncurrent loans to loans | 0.1798% | 2,831 |
| Net loans and leases to total assets | 78.2600% | 855 |
| Net loans and leases to deposits | 95.1532% | 775 |
| Net loans and leases to core deposits | 112.0773% | 860 |
| Total domestic deposits to total assets | 82.2400% | 3,049 |
| Equity capital to assets | 7.7362% | 3,858 |
| Core capital (leverage) ratio | 8.7059% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5334% | 2,680 |
| Memoranda: | ||
| Average total assets | $1,819,138,000 | 625 |
| Average earning assets | $1,706,367,500 | 610 |
| Average equity | $139,189,000 | 770 |
| Average total loans | $1,460,992,500 | 550 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1792% | 2,598 |
| Cost of funding earning assets | 2.1782% | 1,708 |
| Net interest margin | 3.0010% | 3,055 |
| Noninterest income to average assets | 0.8600% | 774 |
| Noninterest expense to average assets | 2.7443% | 1,582 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.7196% | 2,879 |
| Return on assets (ROA) | 0.7196% | 2,895 |
| Pretax return on assets | 0.8594% | 2,853 |
| Return on Equity (ROE) | 9.4400% | 2,328 |
| Retained earnings to average equity (ytd only) | 6.5241% | 1,813 |
| Net charge-offs to loans | 0.0370% | 1,440 |
| Credit loss provision to net charge-offs | 293.6803% | 831 |
| Earnings coverage of net charge-offs (x) | 31.1710% | 1,373 |
| Efficiency ratio | 74.6409% | 1,584 |
| Assets per employee ($millions) | 7.3335% | 1,852 |
| Cash dividends to net income (ytd only)* | 30.9023% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 3,096 |
| Loan loss allowance to noncurrent loans | 522.9537% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 2,596 |
| Noncurrent loans to loans | 0.1977% | 2,705 |
| Net loans and leases to total assets | 80.3100% | 636 |
| Net loans and leases to deposits | 96.4991% | 757 |
| Net loans and leases to core deposits | 112.0923% | 890 |
| Total domestic deposits to total assets | 83.2200% | 2,820 |
| Equity capital to assets | 7.7887% | 3,567 |
| Core capital (leverage) ratio | 8.8629% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4111% | 2,715 |
| Memoranda: | ||
| Average total assets | $1,798,666,000 | 636 |
| Average earning assets | $1,685,988,000 | 618 |
| Average equity | $137,091,000 | 777 |
| Average total loans | $1,452,328,333 | 553 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 2,439 |
| Cost of funding earning assets | 2.1599% | 1,637 |
| Net interest margin | 3.0217% | 2,942 |
| Noninterest income to average assets | 0.7700% | 891 |
| Noninterest expense to average assets | 2.7205% | 1,637 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 0.6501% | 3,009 |
| Return on assets (ROA) | 0.6501% | 3,036 |
| Pretax return on assets | 0.7783% | 2,976 |
| Return on Equity (ROE) | 8.6200% | 2,502 |
| Retained earnings to average equity (ytd only) | 5.6814% | 2,201 |
| Net charge-offs to loans | 0.1432% | 576 |
| Credit loss provision to net charge-offs | 91.3462% | 1,221 |
| Earnings coverage of net charge-offs (x) | 7.6615% | 1,759 |
| Efficiency ratio | 75.4816% | 1,594 |
| Assets per employee ($millions) | 7.4871% | 1,770 |
| Cash dividends to net income (ytd only)* | 34.1180% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,288 |
| Loan loss allowance to noncurrent loans | 316.3565% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 2,095 |
| Noncurrent loans to loans | 0.3170% | 2,191 |
| Net loans and leases to total assets | 80.0400% | 617 |
| Net loans and leases to deposits | 96.7327% | 664 |
| Net loans and leases to core deposits | 111.8119% | 884 |
| Total domestic deposits to total assets | 82.7400% | 3,039 |
| Equity capital to assets | 7.6195% | 3,604 |
| Core capital (leverage) ratio | 8.7643% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3200% | 2,748 |
| Memoranda: | ||
| Average total assets | $1,803,313,500 | 644 |
| Average earning assets | $1,691,521,500 | 629 |
| Average equity | $135,952,000 | 784 |
| Average total loans | $1,452,496,000 | 559 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0514% | 1,972 |
| Cost of funding earning assets | 1.9093% | 1,051 |
| Net interest margin | 3.1421% | 2,997 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 3.0002% | 1,126 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.6197% | 3,385 |
| Return on assets (ROA) | 0.6197% | 3,374 |
| Pretax return on assets | 0.7159% | 3,403 |
| Return on Equity (ROE) | 8.3700% | 2,926 |
| Retained earnings to average equity (ytd only) | 5.2927% | 2,493 |
| Net charge-offs to loans | 0.0312% | 1,673 |
| Credit loss provision to net charge-offs | 370.4289% | 823 |
| Earnings coverage of net charge-offs (x) | 32.1038% | 1,594 |
| Efficiency ratio | 78.7449% | 1,007 |
| Assets per employee ($millions) | 7.5713% | 1,677 |
| Cash dividends to net income (ytd only)* | 36.7546% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 3,369 |
| Loan loss allowance to noncurrent loans | 248.7642% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 1,667 |
| Noncurrent loans to loans | 0.3979% | 1,789 |
| Net loans and leases to total assets | 79.4600% | 705 |
| Net loans and leases to deposits | 96.1794% | 772 |
| Net loans and leases to core deposits | 112.0657% | 885 |
| Total domestic deposits to total assets | 82.6100% | 2,986 |
| Equity capital to assets | 7.4604% | 3,742 |
| Core capital (leverage) ratio | 8.4754% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1590% | 2,796 |
| Memoranda: | ||
| Average total assets | $1,756,162,800 | 638 |
| Average earning assets | $1,645,630,800 | 625 |
| Average equity | $130,046,800 | 762 |
| Average total loans | $1,421,614,400 | 543 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 1,824 |
| Cost of funding earning assets | 1.8040% | 999 |
| Net interest margin | 3.1964% | 2,925 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 3.0308% | 1,029 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.6218% | 3,491 |
| Return on assets (ROA) | 0.6218% | 3,488 |
| Pretax return on assets | 0.7514% | 3,446 |
| Return on Equity (ROE) | 8.4100% | 3,083 |
| Retained earnings to average equity (ytd only) | 4.2636% | 3,185 |
| Net charge-offs to loans | 0.0056% | 2,253 |
| Credit loss provision to net charge-offs | 2,266.1017% | 212 |
| Earnings coverage of net charge-offs (x) | 187.8475% | 627 |
| Efficiency ratio | 78.1029% | 1,003 |
| Assets per employee ($millions) | 7.3499% | 1,731 |
| Cash dividends to net income (ytd only)* | 49.3218% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,317 |
| Loan loss allowance to noncurrent loans | 252.8718% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 1,743 |
| Noncurrent loans to loans | 0.3989% | 1,830 |
| Net loans and leases to total assets | 79.4100% | 720 |
| Net loans and leases to deposits | 95.3034% | 796 |
| Net loans and leases to core deposits | 110.9418% | 839 |
| Total domestic deposits to total assets | 83.3200% | 2,959 |
| Equity capital to assets | 7.0977% | 3,569 |
| Core capital (leverage) ratio | 8.4033% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,739,030,750 | 644 |
| Average earning assets | $1,629,480,250 | 631 |
| Average equity | $128,526,000 | 770 |
| Average total loans | $1,410,931,250 | 546 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 1,905 |
| Cost of funding earning assets | 1.6320% | 994 |
| Net interest margin | 3.2068% | 2,976 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.9138% | 1,186 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.6329% | 3,500 |
| Return on assets (ROA) | 0.6329% | 3,510 |
| Pretax return on assets | 0.7659% | 3,474 |
| Return on Equity (ROE) | 8.4500% | 3,124 |
| Retained earnings to average equity (ytd only) | 4.5634% | 3,065 |
| Net charge-offs to loans | -0.0139% | 4,022 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.6002% | 1,122 |
| Assets per employee ($millions) | 6.4617% | 2,322 |
| Cash dividends to net income (ytd only)* | 45.9728% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 3,491 |
| Loan loss allowance to noncurrent loans | 433.9414% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 2,255 |
| Noncurrent loans to loans | 0.2268% | 2,356 |
| Net loans and leases to total assets | 82.1600% | 406 |
| Net loans and leases to deposits | 99.9825% | 513 |
| Net loans and leases to core deposits | 115.8196% | 631 |
| Total domestic deposits to total assets | 82.1800% | 3,196 |
| Equity capital to assets | 7.3595% | 3,602 |
| Core capital (leverage) ratio | 8.6172% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,718,462,000 | 634 |
| Average earning assets | $1,608,694,667 | 624 |
| Average equity | $128,764,333 | 758 |
| Average total loans | $1,399,725,333 | 534 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 1,854 |
| Cost of funding earning assets | 1.4076% | 1,007 |
| Net interest margin | 3.2907% | 2,899 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 2.8906% | 1,252 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.7026% | 3,459 |
| Return on assets (ROA) | 0.7026% | 3,411 |
| Pretax return on assets | 0.8563% | 3,333 |
| Return on Equity (ROE) | 9.2900% | 2,972 |
| Retained earnings to average equity (ytd only) | 9.2894% | 1,865 |
| Net charge-offs to loans | 0.0159% | 1,377 |
| Credit loss provision to net charge-offs | 1,312.9630% | 310 |
| Earnings coverage of net charge-offs (x) | 80.0926% | 892 |
| Efficiency ratio | 73.8386% | 1,360 |
| Assets per employee ($millions) | 6.9650% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,538 |
| Loan loss allowance to noncurrent loans | 577.6398% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 2,550 |
| Noncurrent loans to loans | 0.1724% | 2,616 |
| Net loans and leases to total assets | 78.7000% | 686 |
| Net loans and leases to deposits | 99.3028% | 469 |
| Net loans and leases to core deposits | 113.0410% | 611 |
| Total domestic deposits to total assets | 79.2500% | 3,874 |
| Equity capital to assets | 7.5333% | 3,544 |
| Core capital (leverage) ratio | 9.0205% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,689,208,000 | 657 |
| Average earning assets | $1,579,958,000 | 641 |
| Average equity | $127,758,500 | 773 |
| Average total loans | $1,362,318,000 | 558 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 1,500 |
| Cost of funding earning assets | 0.3294% | 2,640 |
| Net interest margin | 3.7589% | 1,243 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 2.9774% | 1,001 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.1333% | 2,039 |
| Return on assets (ROA) | 1.0912% | 2,156 |
| Pretax return on assets | 1.3329% | 1,986 |
| Return on Equity (ROE) | 13.3200% | 1,699 |
| Retained earnings to average equity (ytd only) | 13.3208% | 468 |
| Net charge-offs to loans | -0.0531% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.3217% | 2,181 |
| Assets per employee ($millions) | 6.7065% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 3,928 |
| Loan loss allowance to noncurrent loans | 452.1564% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 2,413 |
| Noncurrent loans to loans | 0.1874% | 2,550 |
| Net loans and leases to total assets | 81.2200% | 478 |
| Net loans and leases to deposits | 103.1770% | 330 |
| Net loans and leases to core deposits | 109.4742% | 628 |
| Total domestic deposits to total assets | 78.7200% | 4,028 |
| Equity capital to assets | 7.5958% | 3,327 |
| Core capital (leverage) ratio | 9.1928% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,433,675,000 | 727 |
| Average earning assets | $1,337,642,800 | 715 |
| Average equity | $117,440,200 | 831 |
| Average total loans | $1,131,200,600 | 613 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 1,330 |
| Cost of funding earning assets | 0.1947% | 3,337 |
| Net interest margin | 3.7744% | 986 |
| Noninterest income to average assets | 1.0600% | 610 |
| Noninterest expense to average assets | 2.9955% | 909 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2203% | 1,628 |
| Return on assets (ROA) | 1.1623% | 1,820 |
| Pretax return on assets | 1.4218% | 1,654 |
| Return on Equity (ROE) | 13.8900% | 1,459 |
| Retained earnings to average equity (ytd only) | 13.8947% | 477 |
| Net charge-offs to loans | -0.1299% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.4817% | 2,346 |
| Assets per employee ($millions) | 6.2671% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 3,880 |
| Loan loss allowance to noncurrent loans | 442.6040% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 2,462 |
| Noncurrent loans to loans | 0.2019% | 2,595 |
| Net loans and leases to total assets | 80.8800% | 455 |
| Net loans and leases to deposits | 94.2504% | 625 |
| Net loans and leases to core deposits | 98.9511% | 858 |
| Total domestic deposits to total assets | 85.8200% | 3,105 |
| Equity capital to assets | 8.0420% | 2,868 |
| Core capital (leverage) ratio | 9.4393% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,388,028,000 | 757 |
| Average earning assets | $1,294,018,750 | 745 |
| Average equity | $116,108,250 | 854 |
| Average total loans | $1,083,016,750 | 634 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 1,316 |
| Cost of funding earning assets | 0.1196% | 3,966 |
| Net interest margin | 3.6812% | 941 |
| Noninterest income to average assets | 1.0430% | 611 |
| Noninterest expense to average assets | 2.9759% | 872 |
| Loan and lease loss provision to assets | 0.1324% | 729 |
| Net operating income to assets | 1.1280% | 1,675 |
| Return on assets (ROA) | 1.1280% | 1,651 |
| Pretax return on assets | 1.3758% | 1,506 |
| Return on Equity (ROE) | 13.2991% | 1,290 |
| Retained earnings to average equity (ytd only) | 13.2991% | 434 |
| Net charge-offs to loans | -0.0307% | 4,044 |
| Credit loss provision to net charge-offs | -562.5000% | 3,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3660% | 2,461 |
| Assets per employee ($millions) | 6.1774% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 4,009 |
| Loan loss allowance to noncurrent loans | 472.7316% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 2,680 |
| Noncurrent loans to loans | 0.1858% | 2,777 |
| Net loans and leases to total assets | 79.2567% | 457 |
| Net loans and leases to deposits | 89.4860% | 750 |
| Net loans and leases to core deposits | 93.7869% | 925 |
| Total domestic deposits to total assets | 88.5689% | 2,344 |
| Equity capital to assets | 8.4494% | 2,800 |
| Core capital (leverage) ratio | 9.9027% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,359,781,667 | 759 |
| Average earning assets | $1,271,096,667 | 755 |
| Average equity | $115,331,000 | 867 |
| Average total loans | $1,043,378,667 | 645 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 1,338 |
| Cost of funding earning assets | 0.1180% | 3,920 |
| Net interest margin | 3.5529% | 977 |
| Noninterest income to average assets | 0.9691% | 727 |
| Noninterest expense to average assets | 2.9393% | 901 |
| Loan and lease loss provision to assets | 0.1614% | 483 |
| Net operating income to assets | 0.9882% | 1,927 |
| Return on assets (ROA) | 0.9882% | 1,922 |
| Pretax return on assets | 1.1971% | 1,826 |
| Return on Equity (ROE) | 11.6285% | 1,416 |
| Retained earnings to average equity (ytd only) | 11.6285% | 653 |
| Net charge-offs to loans | 0.0048% | 1,588 |
| Credit loss provision to net charge-offs | 4,500.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 378.8333% | 264 |
| Efficiency ratio | 68.3910% | 2,456 |
| Assets per employee ($millions) | 6.1347% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 4,012 |
| Loan loss allowance to noncurrent loans | 357.4444% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 2,493 |
| Noncurrent loans to loans | 0.2549% | 2,568 |
| Net loans and leases to total assets | 73.7165% | 680 |
| Net loans and leases to deposits | 81.4820% | 1,044 |
| Net loans and leases to core deposits | 85.9547% | 1,132 |
| Total domestic deposits to total assets | 90.4697% | 1,315 |
| Equity capital to assets | 8.7394% | 2,938 |
| Core capital (leverage) ratio | 9.8415% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,338,538,500 | 770 |
| Average earning assets | $1,254,081,500 | 771 |
| Average equity | $113,755,000 | 898 |
| Average total loans | $1,004,448,500 | 665 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 2,004 |
| Cost of funding earning assets | 0.1474% | 4,004 |
| Net interest margin | 3.5923% | 1,488 |
| Noninterest income to average assets | 0.9138% | 1,167 |
| Noninterest expense to average assets | 3.0910% | 850 |
| Loan and lease loss provision to assets | 0.1239% | 987 |
| Net operating income to assets | 0.9245% | 2,960 |
| Return on assets (ROA) | 0.9262% | 3,020 |
| Pretax return on assets | 1.0742% | 3,050 |
| Return on Equity (ROE) | 10.8441% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.3975% | 1,071 |
| Net charge-offs to loans | -0.0231% | 4,031 |
| Credit loss provision to net charge-offs | -723.0769% | 3,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1004% | 1,504 |
| Assets per employee ($millions) | 5.8955% | 2,865 |
| Cash dividends to net income (ytd only)* | 13.3393% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 4,085 |
| Loan loss allowance to noncurrent loans | 317.6790% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 2,503 |
| Noncurrent loans to loans | 0.2804% | 2,602 |
| Net loans and leases to total assets | 75.0479% | 585 |
| Net loans and leases to deposits | 82.8669% | 995 |
| Net loans and leases to core deposits | 87.7102% | 1,092 |
| Total domestic deposits to total assets | 90.5644% | 686 |
| Equity capital to assets | 8.2443% | 4,209 |
| Core capital (leverage) ratio | 8.8437% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3000% | 3,018 |
| Memoranda: | ||
| Average total assets | $1,214,136,400 | 820 |
| Average earning assets | $1,140,115,400 | 809 |
| Average equity | $103,697,400 | 984 |
| Average total loans | $898,927,800 | 725 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 2,250 |
| Cost of funding earning assets | 0.1552% | 4,063 |
| Net interest margin | 3.5544% | 1,720 |
| Noninterest income to average assets | 0.8732% | 1,314 |
| Noninterest expense to average assets | 2.8861% | 1,155 |
| Loan and lease loss provision to assets | 0.1347% | 847 |
| Net operating income to assets | 0.9906% | 2,949 |
| Return on assets (ROA) | 0.9929% | 3,017 |
| Pretax return on assets | 1.1957% | 2,948 |
| Return on Equity (ROE) | 11.5156% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.5696% | 1,460 |
| Net charge-offs to loans | -0.0257% | 4,073 |
| Credit loss provision to net charge-offs | -712.4260% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4922% | 1,762 |
| Assets per employee ($millions) | 5.8184% | 2,871 |
| Cash dividends to net income (ytd only)* | 16.8995% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 4,117 |
| Loan loss allowance to noncurrent loans | 239.1846% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 2,282 |
| Noncurrent loans to loans | 0.3822% | 2,413 |
| Net loans and leases to total assets | 73.2056% | 754 |
| Net loans and leases to deposits | 80.6937% | 1,222 |
| Net loans and leases to core deposits | 85.7275% | 1,313 |
| Total domestic deposits to total assets | 90.7203% | 463 |
| Equity capital to assets | 8.4963% | 4,215 |
| Core capital (leverage) ratio | 8.5090% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8424% | 2,997 |
| Memoranda: | ||
| Average total assets | $1,191,942,250 | 846 |
| Average earning assets | $1,120,228,750 | 829 |
| Average equity | $102,767,750 | 1,008 |
| Average total loans | $877,010,750 | 754 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6961% | 2,344 |
| Cost of funding earning assets | 0.1670% | 4,070 |
| Net interest margin | 3.5292% | 1,775 |
| Noninterest income to average assets | 0.8447% | 1,406 |
| Noninterest expense to average assets | 2.7956% | 1,364 |
| Loan and lease loss provision to assets | 0.1542% | 765 |
| Net operating income to assets | 1.0102% | 2,856 |
| Return on assets (ROA) | 1.0136% | 2,927 |
| Pretax return on assets | 1.2200% | 2,857 |
| Return on Equity (ROE) | 11.6955% | 2,165 |
| Retained earnings to average equity (ytd only) | 8.7426% | 1,806 |
| Net charge-offs to loans | -0.0276% | 4,130 |
| Credit loss provision to net charge-offs | -759.6639% | 3,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1090% | 2,001 |
| Assets per employee ($millions) | 5.7106% | 2,885 |
| Cash dividends to net income (ytd only)* | 25.2483% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 4,091 |
| Loan loss allowance to noncurrent loans | 164.1930% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 1,866 |
| Noncurrent loans to loans | 0.5614% | 1,992 |
| Net loans and leases to total assets | 71.5527% | 1,019 |
| Net loans and leases to deposits | 78.8691% | 1,536 |
| Net loans and leases to core deposits | 84.0204% | 1,558 |
| Total domestic deposits to total assets | 90.7234% | 471 |
| Equity capital to assets | 8.4997% | 4,204 |
| Core capital (leverage) ratio | 8.5834% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3481% | 2,890 |
| Memoranda: | ||
| Average total assets | $1,172,269,333 | 847 |
| Average earning assets | $1,103,151,333 | 834 |
| Average equity | $101,595,000 | 1,015 |
| Average total loans | $861,273,667 | 767 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6749% | 2,424 |
| Cost of funding earning assets | 0.1793% | 4,087 |
| Net interest margin | 3.4957% | 1,836 |
| Noninterest income to average assets | 0.8141% | 1,550 |
| Noninterest expense to average assets | 2.7292% | 1,554 |
| Loan and lease loss provision to assets | 0.2100% | 568 |
| Net operating income to assets | 0.9803% | 2,869 |
| Return on assets (ROA) | 1.0022% | 2,891 |
| Pretax return on assets | 1.2039% | 2,839 |
| Return on Equity (ROE) | 11.4480% | 2,201 |
| Retained earnings to average equity (ytd only) | 5.4897% | 3,068 |
| Net charge-offs to loans | -0.0286% | 4,150 |
| Credit loss provision to net charge-offs | -990.1639% | 3,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2950% | 2,181 |
| Assets per employee ($millions) | 6.0403% | 2,565 |
| Cash dividends to net income (ytd only)* | 52.0472% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,192 |
| Loan loss allowance to noncurrent loans | 181.4346% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 2,186 |
| Noncurrent loans to loans | 0.4892% | 2,389 |
| Net loans and leases to total assets | 73.3749% | 864 |
| Net loans and leases to deposits | 80.7937% | 1,443 |
| Net loans and leases to core deposits | 86.3654% | 1,493 |
| Total domestic deposits to total assets | 90.8175% | 466 |
| Equity capital to assets | 8.5148% | 4,103 |
| Core capital (leverage) ratio | 8.7712% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7519% | 2,750 |
| Memoranda: | ||
| Average total assets | $1,150,220,000 | 851 |
| Average earning assets | $1,086,719,500 | 836 |
| Average equity | $100,698,500 | 1,011 |
| Average total loans | $852,689,500 | 766 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 2,283 |
| Cost of funding earning assets | 0.3510% | 3,864 |
| Net interest margin | 3.7970% | 1,505 |
| Noninterest income to average assets | 0.8088% | 1,504 |
| Noninterest expense to average assets | 2.9480% | 1,548 |
| Loan and lease loss provision to assets | 0.1467% | 2,541 |
| Net operating income to assets | 1.0793% | 1,989 |
| Return on assets (ROA) | 1.1374% | 1,899 |
| Pretax return on assets | 1.3560% | 1,796 |
| Return on Equity (ROE) | 11.6091% | 1,443 |
| Retained earnings to average equity (ytd only) | 7.2429% | 1,303 |
| Net charge-offs to loans | -0.0892% | 4,790 |
| Credit loss provision to net charge-offs | -218.7688% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2839% | 2,327 |
| Assets per employee ($millions) | 5.7568% | 2,572 |
| Cash dividends to net income (ytd only)* | 37.6106% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 4,327 |
| Loan loss allowance to noncurrent loans | 148.8220% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 2,130 |
| Noncurrent loans to loans | 0.5704% | 2,272 |
| Net loans and leases to total assets | 73.6082% | 1,079 |
| Net loans and leases to deposits | 81.4897% | 1,710 |
| Net loans and leases to core deposits | 87.4201% | 1,752 |
| Total domestic deposits to total assets | 90.3281% | 440 |
| Equity capital to assets | 9.0064% | 4,045 |
| Core capital (leverage) ratio | 9.0552% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2895% | 2,520 |
| Memoranda: | ||
| Average total assets | $993,471,000 | 890 |
| Average earning assets | $934,783,200 | 872 |
| Average equity | $97,337,200 | 982 |
| Average total loans | $746,998,000 | 830 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 2,247 |
| Cost of funding earning assets | 0.3967% | 3,826 |
| Net interest margin | 3.8545% | 1,467 |
| Noninterest income to average assets | 0.8005% | 1,495 |
| Noninterest expense to average assets | 2.9450% | 1,575 |
| Loan and lease loss provision to assets | 0.1048% | 3,009 |
| Net operating income to assets | 1.1401% | 1,853 |
| Return on assets (ROA) | 1.2191% | 1,702 |
| Pretax return on assets | 1.4706% | 1,510 |
| Return on Equity (ROE) | 12.1566% | 1,326 |
| Retained earnings to average equity (ytd only) | 7.3155% | 1,578 |
| Net charge-offs to loans | -0.1715% | 4,906 |
| Credit loss provision to net charge-offs | -80.9218% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5528% | 2,393 |
| Assets per employee ($millions) | 5.5774% | 2,643 |
| Cash dividends to net income (ytd only)* | 39.8225% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 4,291 |
| Loan loss allowance to noncurrent loans | 154.9230% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 2,413 |
| Noncurrent loans to loans | 0.5339% | 2,463 |
| Net loans and leases to total assets | 74.7321% | 1,281 |
| Net loans and leases to deposits | 83.2475% | 1,990 |
| Net loans and leases to core deposits | 89.7028% | 2,003 |
| Total domestic deposits to total assets | 89.7711% | 511 |
| Equity capital to assets | 9.3596% | 3,806 |
| Core capital (leverage) ratio | 9.3128% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6399% | 2,350 |
| Memoranda: | ||
| Average total assets | $961,195,250 | 904 |
| Average earning assets | $903,844,750 | 885 |
| Average equity | $96,395,500 | 980 |
| Average total loans | $725,402,250 | 847 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 2,486 |
| Cost of funding earning assets | 0.4607% | 3,740 |
| Net interest margin | 3.8342% | 1,733 |
| Noninterest income to average assets | 0.8017% | 1,433 |
| Noninterest expense to average assets | 2.9837% | 1,622 |
| Loan and lease loss provision to assets | 0.1414% | 2,597 |
| Net operating income to assets | 1.0627% | 2,101 |
| Return on assets (ROA) | 1.1575% | 1,904 |
| Pretax return on assets | 1.3947% | 1,740 |
| Return on Equity (ROE) | 11.2538% | 1,558 |
| Retained earnings to average equity (ytd only) | 7.0562% | 1,638 |
| Net charge-offs to loans | -0.2107% | 4,951 |
| Credit loss provision to net charge-offs | -88.8738% | 3,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7250% | 2,276 |
| Assets per employee ($millions) | 5.3680% | 2,767 |
| Cash dividends to net income (ytd only)* | 37.2995% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 4,327 |
| Loan loss allowance to noncurrent loans | 129.3902% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 2,251 |
| Noncurrent loans to loans | 0.6238% | 2,297 |
| Net loans and leases to total assets | 76.8462% | 1,015 |
| Net loans and leases to deposits | 85.8343% | 1,786 |
| Net loans and leases to core deposits | 93.9965% | 1,736 |
| Total domestic deposits to total assets | 89.5286% | 560 |
| Equity capital to assets | 9.6669% | 3,511 |
| Core capital (leverage) ratio | 9.3353% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6154% | 2,355 |
| Memoranda: | ||
| Average total assets | $926,499,667 | 918 |
| Average earning assets | $870,854,000 | 898 |
| Average equity | $95,292,000 | 981 |
| Average total loans | $699,620,333 | 856 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 2,699 |
| Cost of funding earning assets | 0.5313% | 3,783 |
| Net interest margin | 3.8437% | 1,835 |
| Noninterest income to average assets | 0.8254% | 1,240 |
| Noninterest expense to average assets | 3.1430% | 1,538 |
| Loan and lease loss provision to assets | -0.0440% | 5,060 |
| Net operating income to assets | 1.1196% | 1,786 |
| Return on assets (ROA) | 1.1196% | 1,881 |
| Pretax return on assets | 1.3399% | 1,752 |
| Return on Equity (ROE) | 10.5218% | 1,564 |
| Retained earnings to average equity (ytd only) | 2.0021% | 3,443 |
| Net charge-offs to loans | -0.3114% | 4,982 |
| Credit loss provision to net charge-offs | 18.9824% | 2,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8057% | 2,244 |
| Assets per employee ($millions) | 4.8307% | 2,837 |
| Cash dividends to net income (ytd only)* | 80.9717% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 4,413 |
| Loan loss allowance to noncurrent loans | 316.2051% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 3,502 |
| Noncurrent loans to loans | 0.2529% | 3,586 |
| Net loans and leases to total assets | 74.4914% | 1,536 |
| Net loans and leases to deposits | 84.1413% | 2,206 |
| Net loans and leases to core deposits | 93.8340% | 1,995 |
| Total domestic deposits to total assets | 88.5313% | 866 |
| Equity capital to assets | 10.6911% | 3,147 |
| Core capital (leverage) ratio | 10.2539% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4284% | 2,104 |
| Memoranda: | ||
| Average total assets | $882,478,000 | 931 |
| Average earning assets | $829,612,000 | 911 |
| Average equity | $93,900,500 | 991 |
| Average total loans | $656,439,500 | 877 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 2,885 |
| Cost of funding earning assets | 0.5421% | 3,915 |
| Net interest margin | 3.9742% | 1,929 |
| Noninterest income to average assets | 0.8843% | 1,207 |
| Noninterest expense to average assets | 3.1267% | 1,700 |
| Loan and lease loss provision to assets | 0.0760% | 2,472 |
| Net operating income to assets | 1.2107% | 2,018 |
| Return on assets (ROA) | 1.2100% | 2,111 |
| Pretax return on assets | 1.4371% | 2,026 |
| Return on Equity (ROE) | 11.3068% | 1,766 |
| Retained earnings to average equity (ytd only) | 5.6602% | 2,055 |
| Net charge-offs to loans | 0.1774% | 1,139 |
| Credit loss provision to net charge-offs | 56.5647% | 3,071 |
| Earnings coverage of net charge-offs (x) | 11.2653% | 2,510 |
| Efficiency ratio | 67.3759% | 2,549 |
| Assets per employee ($millions) | 4.9787% | 2,633 |
| Cash dividends to net income (ytd only)* | 49.9401% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 4,384 |
| Loan loss allowance to noncurrent loans | 226.6362% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 3,341 |
| Noncurrent loans to loans | 0.3404% | 3,224 |
| Net loans and leases to total assets | 73.0935% | 1,907 |
| Net loans and leases to deposits | 82.4362% | 2,502 |
| Net loans and leases to core deposits | 91.8072% | 2,250 |
| Total domestic deposits to total assets | 88.6668% | 810 |
| Equity capital to assets | 10.5887% | 3,356 |
| Core capital (leverage) ratio | 10.6119% | 2,848 |
| Tier 1 risk-based capital ratio | 13.6475% | 3,436 |
| Total risk-based capital ratio | 14.3988% | 3,601 |
| Memoranda: | ||
| Average total assets | $827,435,000 | 946 |
| Average earning assets | $782,075,800 | 927 |
| Average equity | $88,548,200 | 995 |
| Average total loans | $626,694,800 | 879 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 2,890 |
| Cost of funding earning assets | 0.5465% | 3,951 |
| Net interest margin | 4.0036% | 1,921 |
| Noninterest income to average assets | 0.8981% | 1,146 |
| Noninterest expense to average assets | 3.2061% | 1,457 |
| Loan and lease loss provision to assets | 0.0926% | 2,057 |
| Net operating income to assets | 1.1687% | 2,305 |
| Return on assets (ROA) | 1.1678% | 2,394 |
| Pretax return on assets | 1.3812% | 2,380 |
| Return on Equity (ROE) | 10.8814% | 2,065 |
| Retained earnings to average equity (ytd only) | 4.7948% | 2,992 |
| Net charge-offs to loans | 0.2423% | 735 |
| Credit loss provision to net charge-offs | 50.0883% | 2,791 |
| Earnings coverage of net charge-offs (x) | 7.9788% | 2,699 |
| Efficiency ratio | 68.4912% | 2,344 |
| Assets per employee ($millions) | 4.7713% | 2,829 |
| Cash dividends to net income (ytd only)* | 55.9362% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 4,504 |
| Loan loss allowance to noncurrent loans | 229.7170% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 3,335 |
| Noncurrent loans to loans | 0.3337% | 3,340 |
| Net loans and leases to total assets | 74.6505% | 1,694 |
| Net loans and leases to deposits | 85.6119% | 2,247 |
| Net loans and leases to core deposits | 93.4257% | 2,230 |
| Total domestic deposits to total assets | 87.1964% | 1,427 |
| Equity capital to assets | 10.7244% | 3,356 |
| Core capital (leverage) ratio | 10.7045% | 2,931 |
| Tier 1 risk-based capital ratio | 13.4465% | 3,601 |
| Total risk-based capital ratio | 14.1892% | 3,775 |
| Memoranda: | ||
| Average total assets | $816,474,500 | 959 |
| Average earning assets | $771,447,500 | 940 |
| Average equity | $87,621,000 | 1,005 |
| Average total loans | $622,918,750 | 884 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 2,922 |
| Cost of funding earning assets | 0.5321% | 3,971 |
| Net interest margin | 3.9963% | 1,933 |
| Noninterest income to average assets | 0.9057% | 1,065 |
| Noninterest expense to average assets | 3.1373% | 1,645 |
| Loan and lease loss provision to assets | 0.1098% | 1,701 |
| Net operating income to assets | 1.2156% | 2,090 |
| Return on assets (ROA) | 1.2149% | 2,152 |
| Pretax return on assets | 1.4357% | 2,085 |
| Return on Equity (ROE) | 11.3183% | 1,861 |
| Retained earnings to average equity (ytd only) | 4.3930% | 3,067 |
| Net charge-offs to loans | 0.2815% | 599 |
| Credit loss provision to net charge-offs | 50.8611% | 2,469 |
| Earnings coverage of net charge-offs (x) | 7.1642% | 2,512 |
| Efficiency ratio | 66.9859% | 2,685 |
| Assets per employee ($millions) | 4.5210% | 3,106 |
| Cash dividends to net income (ytd only)* | 61.1870% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 4,484 |
| Loan loss allowance to noncurrent loans | 112.5928% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 2,402 |
| Noncurrent loans to loans | 0.6990% | 2,228 |
| Net loans and leases to total assets | 76.2929% | 1,508 |
| Net loans and leases to deposits | 86.2869% | 2,224 |
| Net loans and leases to core deposits | 93.8946% | 2,249 |
| Total domestic deposits to total assets | 88.4177% | 912 |
| Equity capital to assets | 10.7703% | 3,290 |
| Core capital (leverage) ratio | 10.7706% | 2,816 |
| Tier 1 risk-based capital ratio | 13.5922% | 3,533 |
| Total risk-based capital ratio | 14.3750% | 3,680 |
| Memoranda: | ||
| Average total assets | $807,127,670 | 970 |
| Average earning assets | $763,010,000 | 947 |
| Average equity | $86,638,330 | 1,011 |
| Average total loans | $618,790,000 | 893 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 2,718 |
| Cost of funding earning assets | 0.5145% | 4,000 |
| Net interest margin | 4.0303% | 1,761 |
| Noninterest income to average assets | 0.9269% | 978 |
| Noninterest expense to average assets | 3.0278% | 1,911 |
| Loan and lease loss provision to assets | 0.0974% | 1,803 |
| Net operating income to assets | 1.3558% | 1,508 |
| Return on assets (ROA) | 1.3545% | 1,555 |
| Pretax return on assets | 1.6100% | 1,444 |
| Return on Equity (ROE) | 12.6410% | 1,342 |
| Retained earnings to average equity (ytd only) | 3.2738% | 3,613 |
| Net charge-offs to loans | -0.0229% | 4,540 |
| Credit loss provision to net charge-offs | -554.2857% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9224% | 3,249 |
| Assets per employee ($millions) | 4.5292% | 3,145 |
| Cash dividends to net income (ytd only)* | 74.1015% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 4,082 |
| Loan loss allowance to noncurrent loans | 173.2110% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 2,906 |
| Noncurrent loans to loans | 0.5306% | 2,724 |
| Net loans and leases to total assets | 76.1658% | 1,453 |
| Net loans and leases to deposits | 86.1244% | 2,120 |
| Net loans and leases to core deposits | 96.0896% | 1,919 |
| Total domestic deposits to total assets | 88.4369% | 1,116 |
| Equity capital to assets | 10.8024% | 3,049 |
| Core capital (leverage) ratio | 10.9129% | 2,654 |
| Tier 1 risk-based capital ratio | 13.7529% | 3,471 |
| Total risk-based capital ratio | 14.6602% | 3,564 |
| Memoranda: | ||
| Average total assets | $797,024,500 | 977 |
| Average earning assets | $753,402,000 | 956 |
| Average equity | $85,404,500 | 1,010 |
| Average total loans | $610,083,000 | 907 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 2,924 |
| Cost of funding earning assets | 0.3441% | 4,319 |
| Net interest margin | 4.0075% | 1,964 |
| Noninterest income to average assets | 0.7749% | 1,547 |
| Noninterest expense to average assets | 3.1116% | 1,769 |
| Loan and lease loss provision to assets | 0.1003% | 2,182 |
| Net operating income to assets | 1.1770% | 2,281 |
| Return on assets (ROA) | 1.1789% | 2,267 |
| Pretax return on assets | 1.3547% | 2,301 |
| Return on Equity (ROE) | 11.2760% | 1,979 |
| Retained earnings to average equity (ytd only) | 6.9453% | 1,697 |
| Net charge-offs to loans | -0.0457% | 4,949 |
| Credit loss provision to net charge-offs | -289.1791% | 4,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1716% | 2,510 |
| Assets per employee ($millions) | 4.5279% | 3,122 |
| Cash dividends to net income (ytd only)* | 38.4067% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 4,159 |
| Loan loss allowance to noncurrent loans | 193.2101% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 3,078 |
| Noncurrent loans to loans | 0.4658% | 2,879 |
| Net loans and leases to total assets | 75.5281% | 1,691 |
| Net loans and leases to deposits | 85.0703% | 2,395 |
| Net loans and leases to core deposits | 94.6857% | 2,170 |
| Total domestic deposits to total assets | 88.7831% | 951 |
| Equity capital to assets | 10.6274% | 3,049 |
| Core capital (leverage) ratio | 10.9169% | 2,605 |
| Tier 1 risk-based capital ratio | 13.9851% | 3,293 |
| Total risk-based capital ratio | 14.8777% | 3,392 |
| Memoranda: | ||
| Average total assets | $773,015,400 | 974 |
| Average earning assets | $730,956,400 | 956 |
| Average equity | $80,817,800 | 1,019 |
| Average total loans | $585,842,200 | 920 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,910 |
| Cost of funding earning assets | 0.3125% | 4,428 |
| Net interest margin | 4.0036% | 1,945 |
| Noninterest income to average assets | 0.7604% | 1,629 |
| Noninterest expense to average assets | 3.1272% | 1,693 |
| Loan and lease loss provision to assets | 0.0434% | 3,123 |
| Net operating income to assets | 1.2145% | 2,181 |
| Return on assets (ROA) | 1.2171% | 2,168 |
| Pretax return on assets | 1.3792% | 2,301 |
| Return on Equity (ROE) | 11.6908% | 1,913 |
| Retained earnings to average equity (ytd only) | 6.6890% | 2,286 |
| Net charge-offs to loans | -0.0124% | 4,457 |
| Credit loss provision to net charge-offs | -462.9630% | 4,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7777% | 2,389 |
| Assets per employee ($millions) | 4.3496% | 3,359 |
| Cash dividends to net income (ytd only)* | 42.7838% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7886% | 4,660 |
| Loan loss allowance to noncurrent loans | 410.1310% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 3,057 |
| Noncurrent loans to loans | 0.1923% | 4,023 |
| Net loans and leases to total assets | 75.8763% | 1,674 |
| Net loans and leases to deposits | 85.0331% | 2,472 |
| Net loans and leases to core deposits | 93.6160% | 2,335 |
| Total domestic deposits to total assets | 89.2315% | 761 |
| Equity capital to assets | 10.3193% | 3,310 |
| Core capital (leverage) ratio | 10.7973% | 2,796 |
| Tier 1 risk-based capital ratio | 13.8788% | 3,429 |
| Total risk-based capital ratio | 14.6601% | 3,595 |
| Memoranda: | ||
| Average total assets | $768,172,500 | 978 |
| Average earning assets | $726,503,250 | 960 |
| Average equity | $79,969,750 | 1,023 |
| Average total loans | $581,325,250 | 923 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 2,906 |
| Cost of funding earning assets | 0.2761% | 4,589 |
| Net interest margin | 3.9851% | 1,911 |
| Noninterest income to average assets | 0.9337% | 1,093 |
| Noninterest expense to average assets | 3.0731% | 1,850 |
| Loan and lease loss provision to assets | 0.0288% | 3,335 |
| Net operating income to assets | 1.3401% | 1,637 |
| Return on assets (ROA) | 1.3425% | 1,636 |
| Pretax return on assets | 1.6061% | 1,483 |
| Return on Equity (ROE) | 12.8574% | 1,417 |
| Retained earnings to average equity (ytd only) | 7.8477% | 1,689 |
| Net charge-offs to loans | -0.0101% | 4,320 |
| Credit loss provision to net charge-offs | -379.3103% | 4,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3141% | 3,097 |
| Assets per employee ($millions) | 4.0610% | 3,800 |
| Cash dividends to net income (ytd only)* | 38.9636% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7753% | 4,768 |
| Loan loss allowance to noncurrent loans | 412.2839% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 2,621 |
| Noncurrent loans to loans | 0.1881% | 4,068 |
| Net loans and leases to total assets | 75.5491% | 1,708 |
| Net loans and leases to deposits | 84.8110% | 2,442 |
| Net loans and leases to core deposits | 93.7245% | 2,244 |
| Total domestic deposits to total assets | 89.0794% | 902 |
| Equity capital to assets | 10.5077% | 3,108 |
| Core capital (leverage) ratio | 10.8813% | 2,630 |
| Tier 1 risk-based capital ratio | 13.8099% | 3,459 |
| Total risk-based capital ratio | 14.5679% | 3,644 |
| Memoranda: | ||
| Average total assets | $764,703,670 | 985 |
| Average earning assets | $723,692,000 | 964 |
| Average equity | $79,845,000 | 1,024 |
| Average total loans | $576,616,000 | 932 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 3,183 |
| Cost of funding earning assets | 0.2354% | 4,798 |
| Net interest margin | 3.8815% | 2,116 |
| Noninterest income to average assets | 1.1456% | 705 |
| Noninterest expense to average assets | 3.1207% | 1,771 |
| Loan and lease loss provision to assets | 0.1100% | 1,704 |
| Net operating income to assets | 1.3357% | 1,520 |
| Return on assets (ROA) | 1.3405% | 1,524 |
| Pretax return on assets | 1.6020% | 1,391 |
| Return on Equity (ROE) | 12.8798% | 1,304 |
| Retained earnings to average equity (ytd only) | 2.8096% | 4,067 |
| Net charge-offs to loans | 0.0601% | 1,505 |
| Credit loss provision to net charge-offs | 244.1860% | 927 |
| Earnings coverage of net charge-offs (x) | 37.8605% | 1,095 |
| Efficiency ratio | 64.6510% | 3,380 |
| Assets per employee ($millions) | 4.4184% | 3,296 |
| Cash dividends to net income (ytd only)* | 78.1861% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7793% | 4,845 |
| Loan loss allowance to noncurrent loans | 248.4048% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 2,329 |
| Noncurrent loans to loans | 0.3137% | 3,646 |
| Net loans and leases to total assets | 74.7880% | 1,744 |
| Net loans and leases to deposits | 83.5632% | 2,444 |
| Net loans and leases to core deposits | 91.9610% | 2,308 |
| Total domestic deposits to total assets | 89.4987% | 889 |
| Equity capital to assets | 10.2011% | 3,390 |
| Core capital (leverage) ratio | 10.7394% | 2,699 |
| Tier 1 risk-based capital ratio | 13.6284% | 3,586 |
| Total risk-based capital ratio | 14.3971% | 3,782 |
| Memoranda: | ||
| Average total assets | $763,290,000 | 994 |
| Average earning assets | $723,950,500 | 974 |
| Average equity | $79,442,500 | 1,038 |
| Average total loans | $572,727,000 | 935 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 2,922 |
| Cost of funding earning assets | 0.1692% | 5,159 |
| Net interest margin | 3.9687% | 1,850 |
| Noninterest income to average assets | 0.9383% | 1,170 |
| Noninterest expense to average assets | 3.1715% | 1,675 |
| Loan and lease loss provision to assets | -0.0862% | 5,462 |
| Net operating income to assets | 1.0907% | 1,884 |
| Return on assets (ROA) | 1.0898% | 1,916 |
| Pretax return on assets | 1.5994% | 1,288 |
| Return on Equity (ROE) | 10.0339% | 1,871 |
| Retained earnings to average equity (ytd only) | 5.1934% | 2,009 |
| Net charge-offs to loans | -0.0984% | 5,372 |
| Credit loss provision to net charge-offs | 117.3258% | 2,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6783% | 2,961 |
| Assets per employee ($millions) | 4.3803% | 3,365 |
| Cash dividends to net income (ytd only)* | 48.2417% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 4,894 |
| Loan loss allowance to noncurrent loans | 69.2854% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 1,830 |
| Noncurrent loans to loans | 1.1200% | 1,576 |
| Net loans and leases to total assets | 74.1080% | 1,902 |
| Net loans and leases to deposits | 84.5960% | 2,423 |
| Net loans and leases to core deposits | 93.5131% | 2,242 |
| Total domestic deposits to total assets | 87.6023% | 1,702 |
| Equity capital to assets | 10.6178% | 3,028 |
| Core capital (leverage) ratio | 10.8706% | 2,455 |
| Tier 1 risk-based capital ratio | 14.0858% | 3,313 |
| Total risk-based capital ratio | 14.8644% | 3,484 |
| Memoranda: | ||
| Average total assets | $722,818,800 | 1,014 |
| Average earning assets | $682,599,200 | 988 |
| Average equity | $78,504,200 | 1,025 |
| Average total loans | $539,417,000 | 948 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 2,803 |
| Cost of funding earning assets | 0.1590% | 5,258 |
| Net interest margin | 3.9890% | 1,734 |
| Noninterest income to average assets | 0.8968% | 1,279 |
| Noninterest expense to average assets | 3.2035% | 1,549 |
| Loan and lease loss provision to assets | -0.1413% | 5,625 |
| Net operating income to assets | 1.1394% | 1,918 |
| Return on assets (ROA) | 1.1496% | 1,933 |
| Pretax return on assets | 1.6108% | 1,378 |
| Return on Equity (ROE) | 10.5225% | 1,896 |
| Retained earnings to average equity (ytd only) | 5.3099% | 2,671 |
| Net charge-offs to loans | -0.1749% | 5,501 |
| Credit loss provision to net charge-offs | 108.2976% | 2,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7655% | 2,745 |
| Assets per employee ($millions) | 4.1984% | 3,648 |
| Cash dividends to net income (ytd only)* | 49.5372% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 4,879 |
| Loan loss allowance to noncurrent loans | 86.6993% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 2,370 |
| Noncurrent loans to loans | 0.9294% | 2,064 |
| Net loans and leases to total assets | 74.5868% | 1,824 |
| Net loans and leases to deposits | 84.3703% | 2,515 |
| Net loans and leases to core deposits | 93.2185% | 2,329 |
| Total domestic deposits to total assets | 88.4041% | 1,170 |
| Equity capital to assets | 10.9579% | 2,900 |
| Core capital (leverage) ratio | 10.7960% | 2,647 |
| Tier 1 risk-based capital ratio | 14.2068% | 3,348 |
| Total risk-based capital ratio | 15.0082% | 3,484 |
| Memoranda: | ||
| Average total assets | $714,076,750 | 1,030 |
| Average earning assets | $673,395,000 | 1,010 |
| Average equity | $78,015,250 | 1,035 |
| Average total loans | $532,778,000 | 963 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 3,034 |
| Cost of funding earning assets | 0.1352% | 5,421 |
| Net interest margin | 3.9073% | 1,905 |
| Noninterest income to average assets | 0.9066% | 1,254 |
| Noninterest expense to average assets | 3.1897% | 1,600 |
| Loan and lease loss provision to assets | -0.2137% | 5,708 |
| Net operating income to assets | 1.1566% | 1,757 |
| Return on assets (ROA) | 1.1668% | 1,755 |
| Pretax return on assets | 1.6331% | 1,244 |
| Return on Equity (ROE) | 10.6909% | 1,762 |
| Retained earnings to average equity (ytd only) | 4.8722% | 2,795 |
| Net charge-offs to loans | -0.2500% | 5,612 |
| Credit loss provision to net charge-offs | 114.8710% | 1,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4207% | 2,780 |
| Assets per employee ($millions) | 4.1114% | 3,767 |
| Cash dividends to net income (ytd only)* | 54.4267% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7956% | 4,963 |
| Loan loss allowance to noncurrent loans | 78.3074% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 2,270 |
| Noncurrent loans to loans | 1.0160% | 1,934 |
| Net loans and leases to total assets | 74.3149% | 1,808 |
| Net loans and leases to deposits | 86.3724% | 2,178 |
| Net loans and leases to core deposits | 95.4059% | 2,036 |
| Total domestic deposits to total assets | 86.0401% | 2,362 |
| Equity capital to assets | 10.7436% | 3,085 |
| Core capital (leverage) ratio | 11.0865% | 2,326 |
| Tier 1 risk-based capital ratio | 13.8515% | 3,503 |
| Total risk-based capital ratio | 14.6359% | 3,673 |
| Memoranda: | ||
| Average total assets | $708,594,000 | 1,039 |
| Average earning assets | $668,856,330 | 1,021 |
| Average equity | $77,337,000 | 1,046 |
| Average total loans | $527,270,330 | 971 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 3,060 |
| Cost of funding earning assets | 0.1239% | 5,532 |
| Net interest margin | 3.8699% | 1,889 |
| Noninterest income to average assets | 0.9319% | 1,161 |
| Noninterest expense to average assets | 3.2505% | 1,477 |
| Loan and lease loss provision to assets | -0.3033% | 5,819 |
| Net operating income to assets | 1.1683% | 1,598 |
| Return on assets (ROA) | 1.1886% | 1,572 |
| Pretax return on assets | 1.6612% | 1,090 |
| Return on Equity (ROE) | 10.8013% | 1,642 |
| Retained earnings to average equity (ytd only) | 4.2630% | 3,309 |
| Net charge-offs to loans | -0.3416% | 5,700 |
| Credit loss provision to net charge-offs | 119.7727% | 1,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9690% | 2,745 |
| Assets per employee ($millions) | 3.9822% | 4,043 |
| Cash dividends to net income (ytd only)* | 60.5327% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 4,924 |
| Loan loss allowance to noncurrent loans | 69.4081% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 2,002 |
| Noncurrent loans to loans | 1.2266% | 1,652 |
| Net loans and leases to total assets | 73.4793% | 1,824 |
| Net loans and leases to deposits | 83.0396% | 2,389 |
| Net loans and leases to core deposits | 89.3976% | 2,408 |
| Total domestic deposits to total assets | 88.4870% | 1,431 |
| Equity capital to assets | 11.0267% | 2,602 |
| Core capital (leverage) ratio | 11.2493% | 2,149 |
| Tier 1 risk-based capital ratio | 14.6010% | 3,154 |
| Total risk-based capital ratio | 15.4416% | 3,287 |
| Memoranda: | ||
| Average total assets | $694,918,500 | 1,061 |
| Average earning assets | $655,111,000 | 1,039 |
| Average equity | $76,472,000 | 1,055 |
| Average total loans | $515,254,000 | 992 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 2,843 |
| Cost of funding earning assets | 0.1476% | 5,439 |
| Net interest margin | 3.9542% | 1,775 |
| Noninterest income to average assets | 0.9447% | 1,279 |
| Noninterest expense to average assets | 3.3471% | 1,475 |
| Loan and lease loss provision to assets | -0.0279% | 5,533 |
| Net operating income to assets | 0.9555% | 2,554 |
| Return on assets (ROA) | 0.9660% | 2,610 |
| Pretax return on assets | 1.3543% | 2,084 |
| Return on Equity (ROE) | 8.4548% | 2,700 |
| Retained earnings to average equity (ytd only) | 2.7439% | 3,949 |
| Net charge-offs to loans | 0.0523% | 2,993 |
| Credit loss provision to net charge-offs | -69.9248% | 4,850 |
| Earnings coverage of net charge-offs (x) | 32.8759% | 1,352 |
| Efficiency ratio | 71.8448% | 2,612 |
| Assets per employee ($millions) | 4.0523% | 3,866 |
| Cash dividends to net income (ytd only)* | 67.5466% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 4,891 |
| Loan loss allowance to noncurrent loans | 64.0663% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 1,773 |
| Noncurrent loans to loans | 1.3616% | 1,504 |
| Net loans and leases to total assets | 73.5348% | 1,923 |
| Net loans and leases to deposits | 84.3260% | 2,378 |
| Net loans and leases to core deposits | 91.1526% | 2,382 |
| Total domestic deposits to total assets | 87.2030% | 2,024 |
| Equity capital to assets | 10.9821% | 2,642 |
| Core capital (leverage) ratio | 11.3996% | 2,011 |
| Tier 1 risk-based capital ratio | 15.1134% | 2,918 |
| Total risk-based capital ratio | 16.0100% | 3,015 |
| Memoranda: | ||
| Average total assets | $666,688,400 | 1,064 |
| Average earning assets | $626,215,600 | 1,039 |
| Average equity | $76,170,000 | 1,042 |
| Average total loans | $508,119,400 | 963 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 2,705 |
| Cost of funding earning assets | 0.1566% | 5,437 |
| Net interest margin | 3.9878% | 1,696 |
| Noninterest income to average assets | 0.9699% | 1,215 |
| Noninterest expense to average assets | 3.4431% | 1,260 |
| Loan and lease loss provision to assets | -0.0093% | 5,646 |
| Net operating income to assets | 0.9203% | 2,809 |
| Return on assets (ROA) | 0.9339% | 2,855 |
| Pretax return on assets | 1.2997% | 2,433 |
| Return on Equity (ROE) | 8.0921% | 2,960 |
| Retained earnings to average equity (ytd only) | 1.0045% | 5,088 |
| Net charge-offs to loans | 0.0671% | 2,368 |
| Credit loss provision to net charge-offs | -18.0392% | 4,629 |
| Earnings coverage of net charge-offs (x) | 24.6864% | 1,663 |
| Efficiency ratio | 73.0314% | 2,435 |
| Assets per employee ($millions) | 3.8635% | 4,189 |
| Cash dividends to net income (ytd only)* | 87.5866% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 4,842 |
| Loan loss allowance to noncurrent loans | 60.9467% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2818% | 1,502 |
| Noncurrent loans to loans | 1.4871% | 1,448 |
| Net loans and leases to total assets | 76.7054% | 1,406 |
| Net loans and leases to deposits | 87.1067% | 2,129 |
| Net loans and leases to core deposits | 94.5086% | 2,148 |
| Total domestic deposits to total assets | 88.0591% | 1,372 |
| Equity capital to assets | 11.5903% | 2,440 |
| Core capital (leverage) ratio | 11.3745% | 2,134 |
| Tier 1 risk-based capital ratio | 14.3139% | 3,387 |
| Total risk-based capital ratio | 15.2090% | 3,501 |
| Memoranda: | ||
| Average total assets | $660,124,500 | 1,074 |
| Average earning assets | $619,875,750 | 1,049 |
| Average equity | $76,187,500 | 1,045 |
| Average total loans | $506,639,500 | 970 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 2,511 |
| Cost of funding earning assets | 0.1689% | 5,422 |
| Net interest margin | 4.0313% | 1,548 |
| Noninterest income to average assets | 0.9570% | 1,224 |
| Noninterest expense to average assets | 3.3994% | 1,376 |
| Loan and lease loss provision to assets | 0.0239% | 3,652 |
| Net operating income to assets | 0.9446% | 2,647 |
| Return on assets (ROA) | 0.9634% | 2,704 |
| Pretax return on assets | 1.3434% | 2,232 |
| Return on Equity (ROE) | 8.3593% | 2,813 |
| Retained earnings to average equity (ytd only) | 2.9687% | 4,025 |
| Net charge-offs to loans | 0.0261% | 2,954 |
| Credit loss provision to net charge-offs | 119.6970% | 1,874 |
| Earnings coverage of net charge-offs (x) | 67.0606% | 806 |
| Efficiency ratio | 71.7062% | 2,713 |
| Assets per employee ($millions) | 3.7504% | 4,360 |
| Cash dividends to net income (ytd only)* | 64.4857% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 4,714 |
| Loan loss allowance to noncurrent loans | 123.3857% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6755% | 2,971 |
| Noncurrent loans to loans | 0.7796% | 2,804 |
| Net loans and leases to total assets | 75.8983% | 1,507 |
| Net loans and leases to deposits | 89.0681% | 1,858 |
| Net loans and leases to core deposits | 95.8898% | 1,983 |
| Total domestic deposits to total assets | 85.2138% | 2,778 |
| Equity capital to assets | 11.5006% | 2,550 |
| Core capital (leverage) ratio | 11.4163% | 2,051 |
| Tier 1 risk-based capital ratio | 14.3828% | 3,387 |
| Total risk-based capital ratio | 15.3352% | 3,472 |
| Memoranda: | ||
| Average total assets | $659,947,670 | 1,079 |
| Average earning assets | $619,401,670 | 1,053 |
| Average equity | $76,059,330 | 1,052 |
| Average total loans | $505,055,000 | 971 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 2,570 |
| Cost of funding earning assets | 0.1735% | 5,438 |
| Net interest margin | 3.9997% | 1,618 |
| Noninterest income to average assets | 0.9232% | 1,255 |
| Noninterest expense to average assets | 3.3681% | 1,446 |
| Loan and lease loss provision to assets | 0.0483% | 2,957 |
| Net operating income to assets | 0.9037% | 2,735 |
| Return on assets (ROA) | 0.9415% | 2,667 |
| Pretax return on assets | 1.3077% | 2,272 |
| Return on Equity (ROE) | 8.1605% | 2,825 |
| Retained earnings to average equity (ytd only) | 1.2718% | 4,748 |
| Net charge-offs to loans | 0.0280% | 2,380 |
| Credit loss provision to net charge-offs | 225.7143% | 1,004 |
| Earnings coverage of net charge-offs (x) | 60.9143% | 769 |
| Efficiency ratio | 72.0979% | 2,787 |
| Assets per employee ($millions) | 3.9272% | 4,076 |
| Cash dividends to net income (ytd only)* | 84.4156% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 4,713 |
| Loan loss allowance to noncurrent loans | 111.1607% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7656% | 2,784 |
| Noncurrent loans to loans | 0.8817% | 2,638 |
| Net loans and leases to total assets | 76.2553% | 1,350 |
| Net loans and leases to deposits | 89.7386% | 1,607 |
| Net loans and leases to core deposits | 96.6627% | 1,731 |
| Total domestic deposits to total assets | 84.9749% | 3,142 |
| Equity capital to assets | 11.5022% | 2,438 |
| Core capital (leverage) ratio | 11.4862% | 1,983 |
| Tier 1 risk-based capital ratio | 14.3386% | 3,476 |
| Total risk-based capital ratio | 15.3054% | 3,586 |
| Memoranda: | ||
| Average total assets | $654,260,500 | 1,078 |
| Average earning assets | $613,143,000 | 1,063 |
| Average equity | $75,486,000 | 1,053 |
| Average total loans | $500,347,000 | 974 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 2,704 |
| Cost of funding earning assets | 0.1851% | 5,395 |
| Net interest margin | 3.9756% | 1,799 |
| Noninterest income to average assets | 0.9609% | 1,292 |
| Noninterest expense to average assets | 3.5327% | 1,241 |
| Loan and lease loss provision to assets | -0.0397% | 5,714 |
| Net operating income to assets | 0.8899% | 2,929 |
| Return on assets (ROA) | 0.9016% | 2,940 |
| Pretax return on assets | 1.1878% | 2,703 |
| Return on Equity (ROE) | 7.4724% | 3,262 |
| Retained earnings to average equity (ytd only) | -1.1772% | 5,682 |
| Net charge-offs to loans | -0.0221% | 5,299 |
| Credit loss provision to net charge-offs | 235.8491% | 1,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7203% | 2,318 |
| Assets per employee ($millions) | 3.7939% | 4,303 |
| Cash dividends to net income (ytd only)* | 115.7543% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 4,602 |
| Loan loss allowance to noncurrent loans | 88.2690% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.9500% | 2,293 |
| Noncurrent loans to loans | 1.1352% | 2,068 |
| Net loans and leases to total assets | 75.1704% | 1,540 |
| Net loans and leases to deposits | 88.4875% | 1,812 |
| Net loans and leases to core deposits | 94.6322% | 1,981 |
| Total domestic deposits to total assets | 84.9503% | 3,115 |
| Equity capital to assets | 11.5737% | 2,303 |
| Core capital (leverage) ratio | 11.6468% | 1,854 |
| Tier 1 risk-based capital ratio | 14.7197% | 3,321 |
| Total risk-based capital ratio | 15.7065% | 3,375 |
| Memoranda: | ||
| Average total assets | $630,135,000 | 1,085 |
| Average earning assets | $587,175,200 | 1,064 |
| Average equity | $76,026,800 | 1,003 |
| Average total loans | $479,017,000 | 971 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1842% | 2,629 |
| Cost of funding earning assets | 0.1899% | 5,463 |
| Net interest margin | 3.9943% | 1,723 |
| Noninterest income to average assets | 0.9944% | 1,199 |
| Noninterest expense to average assets | 3.5014% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9039% | 2,945 |
| Return on assets (ROA) | 0.9192% | 2,957 |
| Pretax return on assets | 1.2346% | 2,680 |
| Return on Equity (ROE) | 7.5387% | 3,313 |
| Retained earnings to average equity (ytd only) | -3.9582% | 5,987 |
| Net charge-offs to loans | -0.0171% | 5,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2552% | 2,511 |
| Assets per employee ($millions) | 3.7130% | 4,419 |
| Cash dividends to net income (ytd only)* | 152.5046% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 4,451 |
| Loan loss allowance to noncurrent loans | 90.6063% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1847% | 1,993 |
| Noncurrent loans to loans | 1.1621% | 2,195 |
| Net loans and leases to total assets | 76.0859% | 1,376 |
| Net loans and leases to deposits | 91.4064% | 1,474 |
| Net loans and leases to core deposits | 97.7581% | 1,721 |
| Total domestic deposits to total assets | 83.2391% | 3,721 |
| Equity capital to assets | 11.6630% | 2,373 |
| Core capital (leverage) ratio | 11.5611% | 1,991 |
| Tier 1 risk-based capital ratio | 14.6544% | 3,464 |
| Total risk-based capital ratio | 15.6967% | 3,516 |
| Memoranda: | ||
| Average total assets | $625,479,250 | 1,097 |
| Average earning assets | $582,686,250 | 1,078 |
| Average equity | $76,262,250 | 1,002 |
| Average total loans | $475,618,750 | 977 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 2,705 |
| Cost of funding earning assets | 0.1955% | 5,480 |
| Net interest margin | 3.9589% | 1,780 |
| Noninterest income to average assets | 0.9853% | 1,210 |
| Noninterest expense to average assets | 3.5184% | 1,272 |
| Loan and lease loss provision to assets | 0.1392% | 1,572 |
| Net operating income to assets | 0.7592% | 3,596 |
| Return on assets (ROA) | 0.7780% | 3,602 |
| Pretax return on assets | 1.0425% | 3,405 |
| Return on Equity (ROE) | 6.2884% | 3,995 |
| Retained earnings to average equity (ytd only) | 1.0935% | 5,135 |
| Net charge-offs to loans | -0.0098% | 4,915 |
| Credit loss provision to net charge-offs | -1,882.6087% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2595% | 2,502 |
| Assets per employee ($millions) | 3.6423% | 4,550 |
| Cash dividends to net income (ytd only)* | 82.6105% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 4,102 |
| Loan loss allowance to noncurrent loans | 80.8647% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.4453% | 1,725 |
| Noncurrent loans to loans | 1.4173% | 1,893 |
| Net loans and leases to total assets | 75.7785% | 1,397 |
| Net loans and leases to deposits | 91.1634% | 1,463 |
| Net loans and leases to core deposits | 97.2437% | 1,703 |
| Total domestic deposits to total assets | 83.1239% | 3,900 |
| Equity capital to assets | 12.0983% | 1,950 |
| Core capital (leverage) ratio | 12.2618% | 1,504 |
| Tier 1 risk-based capital ratio | 15.7860% | 2,961 |
| Total risk-based capital ratio | 16.9512% | 2,950 |
| Memoranda: | ||
| Average total assets | $622,328,670 | 1,111 |
| Average earning assets | $580,006,670 | 1,088 |
| Average equity | $76,999,000 | 999 |
| Average total loans | $471,413,670 | 985 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 2,776 |
| Cost of funding earning assets | 0.2212% | 5,309 |
| Net interest margin | 3.8929% | 1,922 |
| Noninterest income to average assets | 0.9864% | 1,146 |
| Noninterest expense to average assets | 3.2243% | 1,918 |
| Loan and lease loss provision to assets | 0.0860% | 2,254 |
| Net operating income to assets | 0.9552% | 2,477 |
| Return on assets (ROA) | 0.9812% | 2,469 |
| Pretax return on assets | 1.3421% | 2,112 |
| Return on Equity (ROE) | 7.8416% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.8416% | 1,631 |
| Net charge-offs to loans | 0.0352% | 2,508 |
| Credit loss provision to net charge-offs | 324.3902% | 772 |
| Earnings coverage of net charge-offs (x) | 52.5122% | 808 |
| Efficiency ratio | 69.8375% | 3,519 |
| Assets per employee ($millions) | 3.6903% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 4,417 |
| Loan loss allowance to noncurrent loans | 77.7043% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.4768% | 1,783 |
| Noncurrent loans to loans | 1.4426% | 1,979 |
| Net loans and leases to total assets | 74.4742% | 1,428 |
| Net loans and leases to deposits | 89.0582% | 1,496 |
| Net loans and leases to core deposits | 94.3405% | 1,739 |
| Total domestic deposits to total assets | 83.6243% | 3,965 |
| Equity capital to assets | 12.7885% | 1,516 |
| Core capital (leverage) ratio | 12.5266% | 1,352 |
| Tier 1 risk-based capital ratio | 16.9310% | 2,503 |
| Total risk-based capital ratio | 18.0825% | 2,497 |
| Memoranda: | ||
| Average total assets | $618,435,500 | 1,124 |
| Average earning assets | $576,742,000 | 1,099 |
| Average equity | $77,382,000 | 989 |
| Average total loans | $465,606,500 | 994 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 2,198 |
| Cost of funding earning assets | 0.2849% | 4,954 |
| Net interest margin | 4.1212% | 1,510 |
| Noninterest income to average assets | 0.9448% | 1,363 |
| Noninterest expense to average assets | 3.3032% | 1,924 |
| Loan and lease loss provision to assets | 0.0584% | 3,373 |
| Net operating income to assets | 1.1065% | 1,952 |
| Return on assets (ROA) | 1.1972% | 1,656 |
| Pretax return on assets | 1.5482% | 1,390 |
| Return on Equity (ROE) | 9.8375% | 2,184 |
| Retained earnings to average equity (ytd only) | 7.7138% | 1,122 |
| Net charge-offs to loans | 0.1648% | 2,383 |
| Credit loss provision to net charge-offs | 46.1741% | 3,565 |
| Earnings coverage of net charge-offs (x) | 11.7784% | 2,453 |
| Efficiency ratio | 68.9331% | 3,725 |
| Assets per employee ($millions) | 3.8066% | 4,332 |
| Cash dividends to net income (ytd only)* | 21.5877% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 4,635 |
| Loan loss allowance to noncurrent loans | 47.4235% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 2.0524% | 1,223 |
| Noncurrent loans to loans | 2.2800% | 1,147 |
| Net loans and leases to total assets | 74.4439% | 1,508 |
| Net loans and leases to deposits | 91.9349% | 1,296 |
| Net loans and leases to core deposits | 97.9307% | 1,554 |
| Total domestic deposits to total assets | 80.9746% | 4,756 |
| Equity capital to assets | 12.2417% | 1,829 |
| Core capital (leverage) ratio | 12.2755% | 1,458 |
| Tier 1 risk-based capital ratio | 17.0746% | 2,485 |
| Total risk-based capital ratio | 18.2382% | 2,480 |
| Memoranda: | ||
| Average total assets | $599,715,800 | 1,107 |
| Average earning assets | $559,835,400 | 1,085 |
| Average equity | $72,986,000 | 1,000 |
| Average total loans | $459,990,200 | 963 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 1,945 |
| Cost of funding earning assets | 0.2950% | 4,928 |
| Net interest margin | 4.1861% | 1,328 |
| Noninterest income to average assets | 0.9591% | 1,339 |
| Noninterest expense to average assets | 3.3590% | 1,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0758% | 2,132 |
| Return on assets (ROA) | 1.0766% | 2,191 |
| Pretax return on assets | 1.5095% | 1,619 |
| Return on Equity (ROE) | 8.8601% | 2,758 |
| Retained earnings to average equity (ytd only) | 5.9948% | 2,411 |
| Net charge-offs to loans | -0.0289% | 5,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0110% | 3,674 |
| Assets per employee ($millions) | 3.7623% | 4,368 |
| Cash dividends to net income (ytd only)* | 32.3389% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 4,211 |
| Loan loss allowance to noncurrent loans | 64.6344% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.7091% | 1,759 |
| Noncurrent loans to loans | 1.8587% | 1,718 |
| Net loans and leases to total assets | 76.3301% | 1,177 |
| Net loans and leases to deposits | 92.7173% | 1,162 |
| Net loans and leases to core deposits | 98.4062% | 1,493 |
| Total domestic deposits to total assets | 82.3256% | 4,369 |
| Equity capital to assets | 12.3148% | 1,817 |
| Core capital (leverage) ratio | 12.1761% | 1,590 |
| Tier 1 risk-based capital ratio | 16.4558% | 2,829 |
| Total risk-based capital ratio | 17.7062% | 2,784 |
| Memoranda: | ||
| Average total assets | $593,574,250 | 1,124 |
| Average earning assets | $554,167,500 | 1,100 |
| Average equity | $72,126,750 | 1,013 |
| Average total loans | $457,532,750 | 970 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5241% | 1,750 |
| Cost of funding earning assets | 0.2996% | 4,968 |
| Net interest margin | 4.2245% | 1,190 |
| Noninterest income to average assets | 0.9835% | 1,249 |
| Noninterest expense to average assets | 3.2801% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1671% | 1,699 |
| Return on assets (ROA) | 1.1683% | 1,759 |
| Pretax return on assets | 1.6483% | 1,143 |
| Return on Equity (ROE) | 9.6587% | 2,296 |
| Retained earnings to average equity (ytd only) | 7.4197% | 1,560 |
| Net charge-offs to loans | -0.1683% | 6,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5773% | 4,269 |
| Assets per employee ($millions) | 3.4973% | 4,854 |
| Cash dividends to net income (ytd only)* | 23.1817% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 4,056 |
| Loan loss allowance to noncurrent loans | 92.4130% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.3899% | 2,353 |
| Noncurrent loans to loans | 1.3682% | 2,526 |
| Net loans and leases to total assets | 76.6580% | 1,091 |
| Net loans and leases to deposits | 93.0485% | 1,046 |
| Net loans and leases to core deposits | 98.0400% | 1,438 |
| Total domestic deposits to total assets | 82.3850% | 4,511 |
| Equity capital to assets | 12.2888% | 1,783 |
| Core capital (leverage) ratio | 12.1190% | 1,591 |
| Tier 1 risk-based capital ratio | 16.2876% | 2,935 |
| Total risk-based capital ratio | 17.5386% | 2,880 |
| Memoranda: | ||
| Average total assets | $590,777,000 | 1,129 |
| Average earning assets | $551,449,330 | 1,107 |
| Average equity | $71,458,670 | 1,016 |
| Average total loans | $455,021,000 | 969 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 1,923 |
| Cost of funding earning assets | 0.3037% | 5,024 |
| Net interest margin | 4.1593% | 1,320 |
| Noninterest income to average assets | 0.9143% | 1,347 |
| Noninterest expense to average assets | 3.2707% | 2,018 |
| Loan and lease loss provision to assets | 0.1928% | 1,226 |
| Net operating income to assets | 0.9606% | 2,358 |
| Return on assets (ROA) | 0.9606% | 2,424 |
| Pretax return on assets | 1.3319% | 1,989 |
| Return on Equity (ROE) | 8.0066% | 2,925 |
| Retained earnings to average equity (ytd only) | 4.8835% | 3,181 |
| Net charge-offs to loans | 0.0488% | 2,701 |
| Credit loss provision to net charge-offs | 514.5455% | 526 |
| Earnings coverage of net charge-offs (x) | 40.6909% | 865 |
| Efficiency ratio | 68.2057% | 4,146 |
| Assets per employee ($millions) | 3.6308% | 4,659 |
| Cash dividends to net income (ytd only)* | 39.0071% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 4,364 |
| Loan loss allowance to noncurrent loans | 83.5306% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.4619% | 2,427 |
| Noncurrent loans to loans | 1.4991% | 2,542 |
| Net loans and leases to total assets | 76.1648% | 984 |
| Net loans and leases to deposits | 93.1795% | 860 |
| Net loans and leases to core deposits | 98.2947% | 1,219 |
| Total domestic deposits to total assets | 81.7398% | 5,016 |
| Equity capital to assets | 12.0294% | 1,846 |
| Core capital (leverage) ratio | 12.1340% | 1,588 |
| Tier 1 risk-based capital ratio | 16.2226% | 3,048 |
| Total risk-based capital ratio | 17.4735% | 3,007 |
| Memoranda: | ||
| Average total assets | $587,144,500 | 1,141 |
| Average earning assets | $547,881,000 | 1,122 |
| Average equity | $70,442,000 | 1,032 |
| Average total loans | $450,372,500 | 974 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 1,845 |
| Cost of funding earning assets | 0.4189% | 4,443 |
| Net interest margin | 4.1896% | 1,385 |
| Noninterest income to average assets | 1.1637% | 1,039 |
| Noninterest expense to average assets | 3.4285% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2147% | 1,509 |
| Return on assets (ROA) | 1.2746% | 1,371 |
| Pretax return on assets | 1.7078% | 933 |
| Return on Equity (ROE) | 10.9887% | 1,773 |
| Retained earnings to average equity (ytd only) | 10.9887% | 418 |
| Net charge-offs to loans | 0.2520% | 2,459 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.7062% | 2,624 |
| Efficiency ratio | 67.8043% | 4,234 |
| Assets per employee ($millions) | 3.4879% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 4,474 |
| Loan loss allowance to noncurrent loans | 124.0787% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0419% | 3,336 |
| Noncurrent loans to loans | 0.9956% | 3,525 |
| Net loans and leases to total assets | 75.3315% | 1,179 |
| Net loans and leases to deposits | 89.9139% | 1,247 |
| Net loans and leases to core deposits | 93.7775% | 1,616 |
| Total domestic deposits to total assets | 83.7819% | 4,252 |
| Equity capital to assets | 11.9649% | 1,830 |
| Core capital (leverage) ratio | 11.8903% | 1,685 |
| Tier 1 risk-based capital ratio | 16.3639% | 2,924 |
| Total risk-based capital ratio | 17.6144% | 2,879 |
| Memoranda: | ||
| Average total assets | $582,377,800 | 1,142 |
| Average earning assets | $541,127,400 | 1,120 |
| Average equity | $67,551,200 | 1,060 |
| Average total loans | $432,128,200 | 986 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 1,841 |
| Cost of funding earning assets | 0.4274% | 4,522 |
| Net interest margin | 4.1902% | 1,366 |
| Noninterest income to average assets | 1.2478% | 941 |
| Noninterest expense to average assets | 3.3120% | 2,049 |
| Loan and lease loss provision to assets | 0.1756% | 2,074 |
| Net operating income to assets | 1.1885% | 1,672 |
| Return on assets (ROA) | 1.2544% | 1,540 |
| Pretax return on assets | 1.7421% | 1,013 |
| Return on Equity (ROE) | 10.9006% | 1,854 |
| Retained earnings to average equity (ytd only) | 10.9006% | 592 |
| Net charge-offs to loans | 0.1948% | 2,675 |
| Credit loss provision to net charge-offs | 122.3285% | 1,922 |
| Earnings coverage of net charge-offs (x) | 12.7209% | 2,104 |
| Efficiency ratio | 64.4595% | 4,727 |
| Assets per employee ($millions) | 3.5192% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 3,320 |
| Loan loss allowance to noncurrent loans | 157.1228% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.1054% | 3,445 |
| Noncurrent loans to loans | 0.9759% | 3,857 |
| Net loans and leases to total assets | 74.2844% | 1,251 |
| Net loans and leases to deposits | 90.5246% | 1,105 |
| Net loans and leases to core deposits | 94.5451% | 1,522 |
| Total domestic deposits to total assets | 82.0599% | 4,910 |
| Equity capital to assets | 11.7666% | 2,069 |
| Core capital (leverage) ratio | 11.7420% | 1,858 |
| Tier 1 risk-based capital ratio | 16.0752% | 3,152 |
| Total risk-based capital ratio | 17.3296% | 3,108 |
| Memoranda: | ||
| Average total assets | $582,354,250 | 1,155 |
| Average earning assets | $540,675,750 | 1,133 |
| Average equity | $67,016,000 | 1,077 |
| Average total loans | $429,092,000 | 997 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 1,855 |
| Cost of funding earning assets | 0.4378% | 4,569 |
| Net interest margin | 4.1621% | 1,373 |
| Noninterest income to average assets | 1.3717% | 835 |
| Noninterest expense to average assets | 3.2464% | 2,224 |
| Loan and lease loss provision to assets | 0.2632% | 1,409 |
| Net operating income to assets | 1.2475% | 1,465 |
| Return on assets (ROA) | 1.3463% | 1,300 |
| Pretax return on assets | 1.8644% | 800 |
| Return on Equity (ROE) | 11.7874% | 1,559 |
| Retained earnings to average equity (ytd only) | 11.7874% | 529 |
| Net charge-offs to loans | 0.1718% | 2,747 |
| Credit loss provision to net charge-offs | 209.5628% | 1,147 |
| Earnings coverage of net charge-offs (x) | 15.8497% | 1,706 |
| Efficiency ratio | 61.9931% | 5,175 |
| Assets per employee ($millions) | 3.4275% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 3,166 |
| Loan loss allowance to noncurrent loans | 268.9017% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 3,996 |
| Noncurrent loans to loans | 0.5947% | 4,767 |
| Net loans and leases to total assets | 73.6900% | 1,304 |
| Net loans and leases to deposits | 90.3123% | 1,115 |
| Net loans and leases to core deposits | 94.3754% | 1,490 |
| Total domestic deposits to total assets | 81.5946% | 5,183 |
| Equity capital to assets | 11.5009% | 2,293 |
| Core capital (leverage) ratio | 11.5429% | 1,903 |
| Tier 1 risk-based capital ratio | 15.4788% | 3,493 |
| Total risk-based capital ratio | 16.7337% | 3,443 |
| Memoranda: | ||
| Average total assets | $582,915,670 | 1,154 |
| Average earning assets | $541,311,670 | 1,128 |
| Average equity | $66,579,670 | 1,083 |
| Average total loans | $426,101,330 | 997 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 1,863 |
| Cost of funding earning assets | 0.4591% | 4,494 |
| Net interest margin | 4.1294% | 1,377 |
| Noninterest income to average assets | 1.0360% | 1,378 |
| Noninterest expense to average assets | 3.1072% | 2,650 |
| Loan and lease loss provision to assets | 0.2628% | 1,350 |
| Net operating income to assets | 1.0806% | 1,934 |
| Return on assets (ROA) | 1.2706% | 1,454 |
| Pretax return on assets | 1.7906% | 897 |
| Return on Equity (ROE) | 11.1629% | 1,655 |
| Retained earnings to average equity (ytd only) | 11.1629% | 838 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5025% | 5,082 |
| Assets per employee ($millions) | 3.6539% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 3,227 |
| Loan loss allowance to noncurrent loans | 207.8232% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0873% | 3,758 |
| Noncurrent loans to loans | 0.7901% | 4,541 |
| Net loans and leases to total assets | 72.2126% | 1,316 |
| Net loans and leases to deposits | 87.7491% | 1,172 |
| Net loans and leases to core deposits | 92.3919% | 1,465 |
| Total domestic deposits to total assets | 82.2944% | 5,092 |
| Equity capital to assets | 11.6317% | 2,306 |
| Core capital (leverage) ratio | 11.2391% | 2,066 |
| Tier 1 risk-based capital ratio | 15.7905% | 3,380 |
| Total risk-based capital ratio | 17.0465% | 3,335 |
| Memoranda: | ||
| Average total assets | $583,032,000 | 1,160 |
| Average earning assets | $544,580,000 | 1,137 |
| Average equity | $66,362,500 | 1,105 |
| Average total loans | $420,973,500 | 1,018 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 1,624 |
| Cost of funding earning assets | 0.5801% | 4,533 |
| Net interest margin | 4.3975% | 1,164 |
| Noninterest income to average assets | 1.0592% | 1,383 |
| Noninterest expense to average assets | 3.2285% | 2,519 |
| Loan and lease loss provision to assets | 0.2927% | 2,335 |
| Net operating income to assets | 1.1738% | 1,681 |
| Return on assets (ROA) | 1.1795% | 1,830 |
| Pretax return on assets | 1.6439% | 1,273 |
| Return on Equity (ROE) | 10.7168% | 1,902 |
| Retained earnings to average equity (ytd only) | 9.4353% | 709 |
| Net charge-offs to loans | 0.9105% | 1,247 |
| Credit loss provision to net charge-offs | 43.3873% | 4,853 |
| Earnings coverage of net charge-offs (x) | 2.8591% | 4,005 |
| Efficiency ratio | 62.6030% | 5,149 |
| Assets per employee ($millions) | 3.6797% | 4,605 |
| Cash dividends to net income (ytd only)* | 11.9581% | 4,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 3,430 |
| Loan loss allowance to noncurrent loans | 250.8391% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 4,144 |
| Noncurrent loans to loans | 0.6271% | 4,955 |
| Net loans and leases to total assets | 69.8966% | 1,861 |
| Net loans and leases to deposits | 85.9861% | 1,518 |
| Net loans and leases to core deposits | 90.6200% | 1,761 |
| Total domestic deposits to total assets | 81.2883% | 5,311 |
| Equity capital to assets | 11.1377% | 2,799 |
| Core capital (leverage) ratio | 10.8614% | 2,376 |
| Tier 1 risk-based capital ratio | 15.4843% | 3,433 |
| Total risk-based capital ratio | 16.7393% | 3,389 |
| Memoranda: | ||
| Average total assets | $567,196,400 | 1,169 |
| Average earning assets | $528,544,400 | 1,139 |
| Average equity | $62,425,200 | 1,140 |
| Average total loans | $420,189,600 | 997 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 1,511 |
| Cost of funding earning assets | 0.5941% | 4,706 |
| Net interest margin | 4.4710% | 1,044 |
| Noninterest income to average assets | 1.0744% | 1,306 |
| Noninterest expense to average assets | 3.1799% | 2,632 |
| Loan and lease loss provision to assets | 0.3916% | 1,638 |
| Net operating income to assets | 1.1976% | 1,751 |
| Return on assets (ROA) | 1.2001% | 1,911 |
| Pretax return on assets | 1.6712% | 1,358 |
| Return on Equity (ROE) | 10.9389% | 1,985 |
| Retained earnings to average equity (ytd only) | 9.2084% | 1,153 |
| Net charge-offs to loans | 0.7707% | 1,434 |
| Credit loss provision to net charge-offs | 67.8454% | 3,960 |
| Earnings coverage of net charge-offs (x) | 3.5678% | 3,588 |
| Efficiency ratio | 60.6949% | 5,377 |
| Assets per employee ($millions) | 3.6251% | 4,709 |
| Cash dividends to net income (ytd only)* | 15.8197% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 2,608 |
| Loan loss allowance to noncurrent loans | 156.0674% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3116% | 3,672 |
| Noncurrent loans to loans | 1.1932% | 4,067 |
| Net loans and leases to total assets | 73.7148% | 1,288 |
| Net loans and leases to deposits | 91.4704% | 1,021 |
| Net loans and leases to core deposits | 96.9179% | 1,342 |
| Total domestic deposits to total assets | 80.5887% | 5,486 |
| Equity capital to assets | 11.2825% | 2,955 |
| Core capital (leverage) ratio | 10.7939% | 2,611 |
| Tier 1 risk-based capital ratio | 14.9168% | 3,911 |
| Total risk-based capital ratio | 16.1757% | 3,859 |
| Memoranda: | ||
| Average total assets | $561,806,750 | 1,199 |
| Average earning assets | $523,326,000 | 1,169 |
| Average equity | $61,638,000 | 1,163 |
| Average total loans | $420,712,750 | 998 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 1,438 |
| Cost of funding earning assets | 0.6111% | 4,801 |
| Net interest margin | 4.5139% | 966 |
| Noninterest income to average assets | 1.0709% | 1,249 |
| Noninterest expense to average assets | 3.1704% | 2,684 |
| Loan and lease loss provision to assets | 0.2145% | 2,926 |
| Net operating income to assets | 1.3451% | 1,318 |
| Return on assets (ROA) | 1.3487% | 1,466 |
| Pretax return on assets | 1.8954% | 855 |
| Return on Equity (ROE) | 12.4120% | 1,529 |
| Retained earnings to average equity (ytd only) | 9.7796% | 1,042 |
| Net charge-offs to loans | 0.3417% | 2,650 |
| Credit loss provision to net charge-offs | 83.9161% | 3,213 |
| Earnings coverage of net charge-offs (x) | 8.2336% | 2,332 |
| Efficiency ratio | 60.0990% | 5,561 |
| Assets per employee ($millions) | 3.4734% | 5,038 |
| Cash dividends to net income (ytd only)* | 21.2089% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 2,192 |
| Loan loss allowance to noncurrent loans | 465.1213% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.7157% | 5,006 |
| Noncurrent loans to loans | 0.4329% | 5,669 |
| Net loans and leases to total assets | 74.6191% | 1,156 |
| Net loans and leases to deposits | 92.3308% | 914 |
| Net loans and leases to core deposits | 98.2812% | 1,247 |
| Total domestic deposits to total assets | 80.8171% | 5,526 |
| Equity capital to assets | 11.1350% | 2,980 |
| Core capital (leverage) ratio | 10.5736% | 2,733 |
| Tier 1 risk-based capital ratio | 14.5275% | 4,083 |
| Total risk-based capital ratio | 15.7884% | 4,038 |
| Memoranda: | ||
| Average total assets | $559,363,330 | 1,207 |
| Average earning assets | $521,015,330 | 1,176 |
| Average equity | $60,779,670 | 1,176 |
| Average total loans | $418,450,670 | 1,000 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1335% | 1,484 |
| Cost of funding earning assets | 0.6416% | 4,808 |
| Net interest margin | 4.4919% | 1,024 |
| Noninterest income to average assets | 1.0429% | 1,329 |
| Noninterest expense to average assets | 3.2720% | 2,379 |
| Loan and lease loss provision to assets | 0.2152% | 2,794 |
| Net operating income to assets | 1.2423% | 1,628 |
| Return on assets (ROA) | 1.2423% | 1,805 |
| Pretax return on assets | 1.7386% | 1,221 |
| Return on Equity (ROE) | 11.5772% | 1,818 |
| Retained earnings to average equity (ytd only) | 8.2351% | 1,889 |
| Net charge-offs to loans | 0.1509% | 3,188 |
| Credit loss provision to net charge-offs | 192.3077% | 1,373 |
| Earnings coverage of net charge-offs (x) | 17.4615% | 1,304 |
| Efficiency ratio | 62.6132% | 5,171 |
| Assets per employee ($millions) | 3.5501% | 4,998 |
| Cash dividends to net income (ytd only)* | 28.8684% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1341% | 2,017 |
| Loan loss allowance to noncurrent loans | 363.6252% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.9425% | 4,618 |
| Noncurrent loans to loans | 0.5869% | 5,491 |
| Net loans and leases to total assets | 73.5866% | 1,129 |
| Net loans and leases to deposits | 90.8316% | 892 |
| Net loans and leases to core deposits | 97.4048% | 1,172 |
| Total domestic deposits to total assets | 81.0143% | 5,604 |
| Equity capital to assets | 10.9289% | 2,996 |
| Core capital (leverage) ratio | 10.3423% | 2,938 |
| Tier 1 risk-based capital ratio | 14.4886% | 4,117 |
| Total risk-based capital ratio | 15.7511% | 4,066 |
| Memoranda: | ||
| Average total assets | $557,697,500 | 1,216 |
| Average earning assets | $519,331,000 | 1,177 |
| Average equity | $59,841,500 | 1,189 |
| Average total loans | $413,423,000 | 1,015 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2188% | 1,990 |
| Cost of funding earning assets | 0.8592% | 4,401 |
| Net interest margin | 4.3596% | 1,515 |
| Noninterest income to average assets | 0.9712% | 1,446 |
| Noninterest expense to average assets | 3.2985% | 2,529 |
| Loan and lease loss provision to assets | 0.6651% | 1,538 |
| Net operating income to assets | 0.7751% | 3,151 |
| Return on assets (ROA) | 0.7965% | 3,219 |
| Pretax return on assets | 1.0751% | 2,933 |
| Return on Equity (ROE) | 7.9025% | 2,962 |
| Retained earnings to average equity (ytd only) | 5.0871% | 2,571 |
| Net charge-offs to loans | 0.5212% | 2,907 |
| Credit loss provision to net charge-offs | 177.0538% | 1,482 |
| Earnings coverage of net charge-offs (x) | 4.5557% | 3,070 |
| Efficiency ratio | 65.8406% | 4,805 |
| Assets per employee ($millions) | 3.4881% | 5,040 |
| Cash dividends to net income (ytd only)* | 35.6268% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1302% | 1,929 |
| Loan loss allowance to noncurrent loans | 343.9418% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.8757% | 4,876 |
| Noncurrent loans to loans | 0.6194% | 5,473 |
| Net loans and leases to total assets | 71.5272% | 1,727 |
| Net loans and leases to deposits | 89.5055% | 1,208 |
| Net loans and leases to core deposits | 96.9883% | 1,415 |
| Total domestic deposits to total assets | 79.9137% | 5,763 |
| Equity capital to assets | 10.5341% | 3,495 |
| Core capital (leverage) ratio | 9.8629% | 3,501 |
| Tier 1 risk-based capital ratio | 14.2923% | 4,112 |
| Total risk-based capital ratio | 15.5544% | 4,072 |
| Memoranda: | ||
| Average total assets | $563,831,800 | 1,174 |
| Average earning assets | $522,322,000 | 1,142 |
| Average equity | $56,830,000 | 1,196 |
| Average total loans | $406,359,000 | 1,045 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2087% | 2,177 |
| Cost of funding earning assets | 0.8882% | 4,483 |
| Net interest margin | 4.3205% | 1,638 |
| Noninterest income to average assets | 0.9804% | 1,393 |
| Noninterest expense to average assets | 3.1608% | 2,959 |
| Loan and lease loss provision to assets | 0.6733% | 1,436 |
| Net operating income to assets | 0.8427% | 2,974 |
| Return on assets (ROA) | 0.8712% | 3,003 |
| Pretax return on assets | 1.1790% | 2,696 |
| Return on Equity (ROE) | 8.7420% | 2,713 |
| Retained earnings to average equity (ytd only) | 6.2531% | 2,399 |
| Net charge-offs to loans | 0.6806% | 2,211 |
| Credit loss provision to net charge-offs | 137.7477% | 2,315 |
| Earnings coverage of net charge-offs (x) | 3.7110% | 3,326 |
| Efficiency ratio | 63.5388% | 5,148 |
| Assets per employee ($millions) | 3.5309% | 4,923 |
| Cash dividends to net income (ytd only)* | 28.4708% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9413% | 2,499 |
| Loan loss allowance to noncurrent loans | 281.8571% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 1.1040% | 4,568 |
| Noncurrent loans to loans | 0.6887% | 5,512 |
| Net loans and leases to total assets | 70.5633% | 1,969 |
| Net loans and leases to deposits | 88.4772% | 1,377 |
| Net loans and leases to core deposits | 100.3469% | 1,214 |
| Total domestic deposits to total assets | 79.7531% | 5,810 |
| Equity capital to assets | 10.4161% | 3,808 |
| Core capital (leverage) ratio | 9.7446% | 3,783 |
| Tier 1 risk-based capital ratio | 14.1521% | 4,232 |
| Total risk-based capital ratio | 15.4115% | 4,198 |
| Memoranda: | ||
| Average total assets | $564,395,250 | 1,183 |
| Average earning assets | $521,782,750 | 1,152 |
| Average equity | $56,248,250 | 1,208 |
| Average total loans | $405,342,750 | 1,051 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1833% | 2,332 |
| Cost of funding earning assets | 0.9063% | 4,611 |
| Net interest margin | 4.2769% | 1,745 |
| Noninterest income to average assets | 0.9808% | 1,375 |
| Noninterest expense to average assets | 3.1350% | 3,129 |
| Loan and lease loss provision to assets | 0.6381% | 1,505 |
| Net operating income to assets | 0.8585% | 2,824 |
| Return on assets (ROA) | 0.9007% | 2,747 |
| Pretax return on assets | 1.2283% | 2,380 |
| Return on Equity (ROE) | 9.1762% | 2,446 |
| Retained earnings to average equity (ytd only) | 5.3844% | 2,750 |
| Net charge-offs to loans | 0.5314% | 2,503 |
| Credit loss provision to net charge-offs | 167.2862% | 1,809 |
| Earnings coverage of net charge-offs (x) | 4.7416% | 2,792 |
| Efficiency ratio | 63.4160% | 5,341 |
| Assets per employee ($millions) | 3.4494% | 5,083 |
| Cash dividends to net income (ytd only)* | 41.3223% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9467% | 2,522 |
| Loan loss allowance to noncurrent loans | 160.6191% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 1.4809% | 3,986 |
| Noncurrent loans to loans | 1.2120% | 4,635 |
| Net loans and leases to total assets | 68.5071% | 2,515 |
| Net loans and leases to deposits | 87.5278% | 1,565 |
| Net loans and leases to core deposits | 99.2318% | 1,412 |
| Total domestic deposits to total assets | 78.2690% | 6,237 |
| Equity capital to assets | 9.8602% | 4,319 |
| Core capital (leverage) ratio | 9.6081% | 3,798 |
| Tier 1 risk-based capital ratio | 13.9197% | 4,226 |
| Total risk-based capital ratio | 15.1789% | 4,192 |
| Memoranda: | ||
| Average total assets | $564,210,000 | 1,190 |
| Average earning assets | $522,757,000 | 1,168 |
| Average equity | $55,382,330 | 1,212 |
| Average total loans | $404,943,670 | 1,066 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 2,145 |
| Cost of funding earning assets | 0.9182% | 4,789 |
| Net interest margin | 4.3046% | 1,550 |
| Noninterest income to average assets | 1.0038% | 1,315 |
| Noninterest expense to average assets | 3.2055% | 2,875 |
| Loan and lease loss provision to assets | 0.6448% | 1,335 |
| Net operating income to assets | 0.8462% | 2,795 |
| Return on assets (ROA) | 0.8462% | 2,854 |
| Pretax return on assets | 1.1471% | 2,578 |
| Return on Equity (ROE) | 8.6404% | 2,638 |
| Retained earnings to average equity (ytd only) | 5.3481% | 2,970 |
| Net charge-offs to loans | 0.7228% | 1,772 |
| Credit loss provision to net charge-offs | 122.6158% | 2,237 |
| Earnings coverage of net charge-offs (x) | 3.4074% | 2,749 |
| Efficiency ratio | 64.1434% | 5,345 |
| Assets per employee ($millions) | 3.6424% | 4,669 |
| Cash dividends to net income (ytd only)* | 38.1033% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 3,006 |
| Loan loss allowance to noncurrent loans | 121.8928% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 1.5252% | 3,965 |
| Noncurrent loans to loans | 1.4781% | 4,255 |
| Net loans and leases to total assets | 70.2543% | 2,079 |
| Net loans and leases to deposits | 89.9802% | 1,234 |
| Net loans and leases to core deposits | 102.2453% | 1,183 |
| Total domestic deposits to total assets | 78.0775% | 6,367 |
| Equity capital to assets | 9.7590% | 4,095 |
| Core capital (leverage) ratio | 9.6874% | 3,542 |
| Tier 1 risk-based capital ratio | 13.7033% | 4,279 |
| Total risk-based capital ratio | 14.9607% | 4,242 |
| Memoranda: | ||
| Average total assets | $558,287,000 | 1,205 |
| Average earning assets | $517,955,500 | 1,185 |
| Average equity | $54,673,500 | 1,219 |
| Average total loans | $406,178,500 | 1,073 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4114% | 2,619 |
| Cost of funding earning assets | 1.0290% | 5,538 |
| Net interest margin | 4.3824% | 1,546 |
| Noninterest income to average assets | 0.9804% | 1,569 |
| Noninterest expense to average assets | 3.0524% | 3,653 |
| Loan and lease loss provision to assets | 1.1586% | 1,364 |
| Net operating income to assets | 0.6471% | 3,454 |
| Return on assets (ROA) | 0.6609% | 3,533 |
| Pretax return on assets | 0.8551% | 3,460 |
| Return on Equity (ROE) | 6.6712% | 3,272 |
| Retained earnings to average equity (ytd only) | 3.8977% | 3,139 |
| Net charge-offs to loans | 1.2702% | 1,771 |
| Credit loss provision to net charge-offs | 122.0100% | 3,436 |
| Earnings coverage of net charge-offs (x) | 2.1017% | 4,146 |
| Efficiency ratio | 60.3019% | 6,000 |
| Assets per employee ($millions) | 3.5613% | 4,798 |
| Cash dividends to net income (ytd only)* | 41.5743% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 3,071 |
| Loan loss allowance to noncurrent loans | 84.7860% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.8424% | 3,572 |
| Noncurrent loans to loans | 2.0534% | 3,483 |
| Net loans and leases to total assets | 72.7050% | 1,945 |
| Net loans and leases to deposits | 93.4518% | 1,108 |
| Net loans and leases to core deposits | 106.8124% | 1,138 |
| Total domestic deposits to total assets | 77.7995% | 6,355 |
| Equity capital to assets | 9.8279% | 3,963 |
| Core capital (leverage) ratio | 9.5554% | 3,636 |
| Tier 1 risk-based capital ratio | 13.3008% | 4,373 |
| Total risk-based capital ratio | 14.5573% | 4,326 |
| Memoranda: | ||
| Average total assets | $545,899,600 | 1,227 |
| Average earning assets | $506,703,800 | 1,214 |
| Average equity | $54,083,400 | 1,235 |
| Average total loans | $408,113,400 | 1,106 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 2,908 |
| Cost of funding earning assets | 1.0439% | 5,721 |
| Net interest margin | 4.3508% | 1,677 |
| Noninterest income to average assets | 0.9995% | 1,466 |
| Noninterest expense to average assets | 3.0214% | 3,669 |
| Loan and lease loss provision to assets | 1.0164% | 1,452 |
| Net operating income to assets | 0.7555% | 3,195 |
| Return on assets (ROA) | 0.7735% | 3,270 |
| Pretax return on assets | 1.0250% | 3,089 |
| Return on Equity (ROE) | 7.7913% | 2,987 |
| Retained earnings to average equity (ytd only) | 5.9410% | 2,393 |
| Net charge-offs to loans | 0.7473% | 2,554 |
| Credit loss provision to net charge-offs | 181.4604% | 2,010 |
| Earnings coverage of net charge-offs (x) | 3.6017% | 3,379 |
| Efficiency ratio | 59.7968% | 5,983 |
| Assets per employee ($millions) | 3.5909% | 4,757 |
| Cash dividends to net income (ytd only)* | 23.7493% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8970% | 2,490 |
| Loan loss allowance to noncurrent loans | 77.7083% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 2.2056% | 3,191 |
| Noncurrent loans to loans | 2.4412% | 3,186 |
| Net loans and leases to total assets | 73.2502% | 1,968 |
| Net loans and leases to deposits | 94.8676% | 1,110 |
| Net loans and leases to core deposits | 108.8756% | 1,102 |
| Total domestic deposits to total assets | 77.2131% | 6,436 |
| Equity capital to assets | 10.0886% | 4,040 |
| Core capital (leverage) ratio | 9.6305% | 3,713 |
| Tier 1 risk-based capital ratio | 13.3150% | 4,341 |
| Total risk-based capital ratio | 14.5736% | 4,298 |
| Memoranda: | ||
| Average total assets | $544,372,250 | 1,247 |
| Average earning assets | $505,399,250 | 1,227 |
| Average equity | $54,041,500 | 1,237 |
| Average total loans | $408,029,500 | 1,114 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4068% | 2,945 |
| Cost of funding earning assets | 1.0575% | 5,885 |
| Net interest margin | 4.3493% | 1,593 |
| Noninterest income to average assets | 0.9573% | 1,491 |
| Noninterest expense to average assets | 2.9840% | 3,761 |
| Loan and lease loss provision to assets | 0.4802% | 2,906 |
| Net operating income to assets | 1.1067% | 1,834 |
| Return on assets (ROA) | 1.1328% | 1,811 |
| Pretax return on assets | 1.5671% | 1,387 |
| Return on Equity (ROE) | 11.4743% | 1,601 |
| Retained earnings to average equity (ytd only) | 9.2296% | 1,038 |
| Net charge-offs to loans | 0.3583% | 3,560 |
| Credit loss provision to net charge-offs | 178.5714% | 2,191 |
| Earnings coverage of net charge-offs (x) | 7.4794% | 2,291 |
| Efficiency ratio | 59.5682% | 6,128 |
| Assets per employee ($millions) | 3.5212% | 4,869 |
| Cash dividends to net income (ytd only)* | 19.5631% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 3,479 |
| Loan loss allowance to noncurrent loans | 86.4658% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.7126% | 3,878 |
| Noncurrent loans to loans | 1.8421% | 3,945 |
| Net loans and leases to total assets | 73.1097% | 2,139 |
| Net loans and leases to deposits | 95.7833% | 1,068 |
| Net loans and leases to core deposits | 109.6439% | 1,189 |
| Total domestic deposits to total assets | 76.3282% | 6,620 |
| Equity capital to assets | 9.9532% | 4,075 |
| Core capital (leverage) ratio | 9.7565% | 3,462 |
| Tier 1 risk-based capital ratio | 13.4373% | 4,110 |
| Total risk-based capital ratio | 14.6922% | 4,069 |
| Memoranda: | ||
| Average total assets | $541,495,670 | 1,254 |
| Average earning assets | $502,703,330 | 1,244 |
| Average equity | $53,458,670 | 1,245 |
| Average total loans | $406,403,330 | 1,131 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4303% | 2,895 |
| Cost of funding earning assets | 1.0759% | 6,015 |
| Net interest margin | 4.3544% | 1,525 |
| Noninterest income to average assets | 0.9369% | 1,496 |
| Noninterest expense to average assets | 3.0040% | 3,670 |
| Loan and lease loss provision to assets | 0.4106% | 2,907 |
| Net operating income to assets | 1.1291% | 1,743 |
| Return on assets (ROA) | 1.1817% | 1,671 |
| Pretax return on assets | 1.6349% | 1,189 |
| Return on Equity (ROE) | 12.0208% | 1,499 |
| Retained earnings to average equity (ytd only) | 9.7427% | 1,201 |
| Net charge-offs to loans | 0.2266% | 3,567 |
| Credit loss provision to net charge-offs | 240.1747% | 1,599 |
| Earnings coverage of net charge-offs (x) | 11.5371% | 1,638 |
| Efficiency ratio | 60.2010% | 6,130 |
| Assets per employee ($millions) | 3.4583% | 5,131 |
| Cash dividends to net income (ytd only)* | 18.9514% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 3,636 |
| Loan loss allowance to noncurrent loans | 84.6475% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 3,992 |
| Noncurrent loans to loans | 1.8377% | 4,013 |
| Net loans and leases to total assets | 73.3275% | 2,120 |
| Net loans and leases to deposits | 95.9926% | 1,110 |
| Net loans and leases to core deposits | 110.0112% | 1,267 |
| Total domestic deposits to total assets | 76.3887% | 6,687 |
| Equity capital to assets | 9.8469% | 4,056 |
| Core capital (leverage) ratio | 9.8010% | 3,396 |
| Tier 1 risk-based capital ratio | 13.1986% | 4,209 |
| Total risk-based capital ratio | 14.4529% | 4,159 |
| Memoranda: | ||
| Average total assets | $535,825,500 | 1,303 |
| Average earning assets | $497,061,000 | 1,290 |
| Average equity | $52,675,500 | 1,273 |
| Average total loans | $404,245,500 | 1,172 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5920% | 3,651 |
| Cost of funding earning assets | 1.3374% | 6,183 |
| Net interest margin | 4.2546% | 1,875 |
| Noninterest income to average assets | 0.9642% | 1,688 |
| Noninterest expense to average assets | 3.1246% | 3,635 |
| Loan and lease loss provision to assets | 0.8330% | 2,638 |
| Net operating income to assets | 0.7280% | 2,818 |
| Return on assets (ROA) | 0.6662% | 3,129 |
| Pretax return on assets | 0.8704% | 3,015 |
| Return on Equity (ROE) | 7.0526% | 2,770 |
| Retained earnings to average equity (ytd only) | 4.6200% | 2,022 |
| Net charge-offs to loans | 0.7383% | 2,975 |
| Credit loss provision to net charge-offs | 149.9483% | 3,102 |
| Earnings coverage of net charge-offs (x) | 3.2106% | 3,449 |
| Efficiency ratio | 63.4842% | 5,872 |
| Assets per employee ($millions) | 3.2435% | 5,620 |
| Cash dividends to net income (ytd only)* | 34.4927% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 3,847 |
| Loan loss allowance to noncurrent loans | 116.7840% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 1.4920% | 4,146 |
| Noncurrent loans to loans | 1.2651% | 4,822 |
| Net loans and leases to total assets | 75.2974% | 1,965 |
| Net loans and leases to deposits | 99.9182% | 911 |
| Net loans and leases to core deposits | 115.2969% | 2,386 |
| Total domestic deposits to total assets | 75.3591% | 6,798 |
| Equity capital to assets | 9.8141% | 3,989 |
| Core capital (leverage) ratio | 9.7160% | 3,426 |
| Tier 1 risk-based capital ratio | 12.9228% | 4,193 |
| Total risk-based capital ratio | 14.1759% | 4,141 |
| Memoranda: | ||
| Average total assets | $522,184,400 | 1,316 |
| Average earning assets | $484,067,000 | 1,304 |
| Average equity | $49,329,200 | 1,366 |
| Average total loans | $392,938,000 | 1,223 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 3,988 |
| Cost of funding earning assets | 1.4101% | 6,190 |
| Net interest margin | 4.1673% | 2,160 |
| Noninterest income to average assets | 0.9664% | 1,716 |
| Noninterest expense to average assets | 3.0769% | 3,738 |
| Loan and lease loss provision to assets | 0.7428% | 2,515 |
| Net operating income to assets | 0.7665% | 2,955 |
| Return on assets (ROA) | 0.6810% | 3,334 |
| Pretax return on assets | 0.8993% | 3,229 |
| Return on Equity (ROE) | 7.2813% | 2,953 |
| Retained earnings to average equity (ytd only) | 4.4060% | 2,808 |
| Net charge-offs to loans | 0.8629% | 2,241 |
| Credit loss provision to net charge-offs | 114.8515% | 4,419 |
| Earnings coverage of net charge-offs (x) | 2.7129% | 3,868 |
| Efficiency ratio | 63.5053% | 5,842 |
| Assets per employee ($millions) | 3.2158% | 5,612 |
| Cash dividends to net income (ytd only)* | 39.4887% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 4,849 |
| Loan loss allowance to noncurrent loans | 362.1302% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 5,480 |
| Noncurrent loans to loans | 0.3446% | 6,665 |
| Net loans and leases to total assets | 75.2954% | 2,156 |
| Net loans and leases to deposits | 103.0047% | 846 |
| Net loans and leases to core deposits | 119.9841% | 2,245 |
| Total domestic deposits to total assets | 73.0990% | 7,076 |
| Equity capital to assets | 9.8805% | 4,233 |
| Core capital (leverage) ratio | 9.8157% | 3,501 |
| Tier 1 risk-based capital ratio | 13.1089% | 4,117 |
| Total risk-based capital ratio | 14.3593% | 4,048 |
| Memoranda: | ||
| Average total assets | $520,556,000 | 1,337 |
| Average earning assets | $482,790,250 | 1,326 |
| Average equity | $48,689,750 | 1,403 |
| Average total loans | $390,156,000 | 1,245 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5361% | 4,409 |
| Cost of funding earning assets | 1.5222% | 6,050 |
| Net interest margin | 4.0140% | 2,641 |
| Noninterest income to average assets | 0.9331% | 1,827 |
| Noninterest expense to average assets | 3.0040% | 4,068 |
| Loan and lease loss provision to assets | 0.7080% | 2,307 |
| Net operating income to assets | 0.7138% | 3,194 |
| Return on assets (ROA) | 0.7138% | 3,300 |
| Pretax return on assets | 0.9492% | 3,179 |
| Return on Equity (ROE) | 7.7751% | 2,861 |
| Retained earnings to average equity (ytd only) | 4.0230% | 3,047 |
| Net charge-offs to loans | 1.0204% | 1,739 |
| Credit loss provision to net charge-offs | 93.1052% | 4,832 |
| Earnings coverage of net charge-offs (x) | 2.1792% | 3,980 |
| Efficiency ratio | 64.2581% | 5,860 |
| Assets per employee ($millions) | 3.1469% | 5,726 |
| Cash dividends to net income (ytd only)* | 48.2574% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,419 |
| Loan loss allowance to noncurrent loans | 208.5633% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8952% | 5,195 |
| Noncurrent loans to loans | 0.5395% | 6,189 |
| Net loans and leases to total assets | 74.6368% | 2,534 |
| Net loans and leases to deposits | 100.8776% | 1,184 |
| Net loans and leases to core deposits | 119.0278% | 2,452 |
| Total domestic deposits to total assets | 73.9875% | 6,950 |
| Equity capital to assets | 9.4488% | 4,677 |
| Core capital (leverage) ratio | 9.4388% | 3,976 |
| Tier 1 risk-based capital ratio | 12.8403% | 4,253 |
| Total risk-based capital ratio | 13.9793% | 4,253 |
| Memoranda: | ||
| Average total assets | $522,564,330 | 1,351 |
| Average earning assets | $485,355,670 | 1,330 |
| Average equity | $47,973,670 | 1,435 |
| Average total loans | $389,436,670 | 1,274 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4463% | 5,194 |
| Cost of funding earning assets | 1.6258% | 5,922 |
| Net interest margin | 3.8205% | 3,371 |
| Noninterest income to average assets | 0.9083% | 1,817 |
| Noninterest expense to average assets | 2.8893% | 4,193 |
| Loan and lease loss provision to assets | 0.6086% | 2,068 |
| Net operating income to assets | 0.7235% | 3,448 |
| Return on assets (ROA) | 0.7235% | 3,645 |
| Pretax return on assets | 0.9662% | 3,480 |
| Return on Equity (ROE) | 7.9953% | 3,160 |
| Retained earnings to average equity (ytd only) | 4.2204% | 3,558 |
| Net charge-offs to loans | 0.3216% | 2,811 |
| Credit loss provision to net charge-offs | 255.5911% | 1,843 |
| Earnings coverage of net charge-offs (x) | 6.6134% | 2,470 |
| Efficiency ratio | 64.5365% | 5,590 |
| Assets per employee ($millions) | 3.3099% | 5,303 |
| Cash dividends to net income (ytd only)* | 47.2135% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 4,139 |
| Loan loss allowance to noncurrent loans | 84.6804% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.3107% | 4,047 |
| Noncurrent loans to loans | 1.5217% | 4,003 |
| Net loans and leases to total assets | 72.4411% | 3,142 |
| Net loans and leases to deposits | 95.4764% | 2,034 |
| Net loans and leases to core deposits | 114.1174% | 3,001 |
| Total domestic deposits to total assets | 75.8732% | 6,532 |
| Equity capital to assets | 9.0102% | 5,337 |
| Core capital (leverage) ratio | 9.3415% | 4,183 |
| Tier 1 risk-based capital ratio | 12.5137% | 4,541 |
| Total risk-based capital ratio | 13.7661% | 4,455 |
| Memoranda: | ||
| Average total assets | $525,797,000 | 1,345 |
| Average earning assets | $489,356,500 | 1,326 |
| Average equity | $47,578,000 | 1,446 |
| Average total loans | $389,363,000 | 1,281 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1359% | 4,857 |
| Cost of funding earning assets | 2.1444% | 5,861 |
| Net interest margin | 3.9915% | 3,158 |
| Noninterest income to average assets | 1.3890% | 746 |
| Noninterest expense to average assets | 3.0630% | 3,849 |
| Loan and lease loss provision to assets | 0.4515% | 3,032 |
| Net operating income to assets | 1.1652% | 1,892 |
| Return on assets (ROA) | 0.8053% | 3,255 |
| Pretax return on assets | 1.0870% | 3,066 |
| Return on Equity (ROE) | 8.8040% | 2,711 |
| Retained earnings to average equity (ytd only) | 1.2180% | 4,496 |
| Net charge-offs to loans | 0.2514% | 3,762 |
| Credit loss provision to net charge-offs | 235.7143% | 2,011 |
| Earnings coverage of net charge-offs (x) | 10.5704% | 2,493 |
| Efficiency ratio | 60.0292% | 6,333 |
| Assets per employee ($millions) | 3.2626% | 5,309 |
| Cash dividends to net income (ytd only)* | 86.1650% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 4,854 |
| Loan loss allowance to noncurrent loans | 116.0719% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.8868% | 4,638 |
| Noncurrent loans to loans | 0.9985% | 4,599 |
| Net loans and leases to total assets | 73.8608% | 3,141 |
| Net loans and leases to deposits | 99.6215% | 1,883 |
| Net loans and leases to core deposits | 117.5711% | 2,943 |
| Total domestic deposits to total assets | 74.1414% | 6,635 |
| Equity capital to assets | 9.0878% | 5,243 |
| Core capital (leverage) ratio | 9.4590% | 4,071 |
| Tier 1 risk-based capital ratio | 12.4956% | 4,438 |
| Total risk-based capital ratio | 13.6634% | 4,396 |
| Memoranda: | ||
| Average total assets | $511,584,800 | 1,323 |
| Average earning assets | $474,081,600 | 1,305 |
| Average equity | $46,797,000 | 1,458 |
| Average total loans | $389,878,600 | 1,244 |