Home > Bank Of Jackson Hole Trust > Performance and Condition Ratios
Bank Of Jackson Hole Trust, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9953% | 3,128 |
| Cost of funding earning assets | 0.5298% | 4,280 |
| Net interest margin | 4.4655% | 657 |
| Noninterest income to average assets | 7.8500% | 106 |
| Noninterest expense to average assets | 7.2640% | 140 |
| Loan and lease loss provision to assets | 0.1400% | 919 |
| Net operating income to assets | 1.6598% | 802 |
| Return on assets (ROA) | 1.6598% | 798 |
| Pretax return on assets | 2.1773% | 516 |
| Return on Equity (ROE) | 5.1100% | 3,519 |
| Retained earnings to average equity (ytd only) | 5.1063% | 2,542 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 72.4771% | 1,569 |
| Assets per employee ($millions) | 4.1075% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,336 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 3.2800% | 4,348 |
| Net loans and leases to deposits | 48.8237% | 3,900 |
| Net loans and leases to core deposits | 134.9000% | 264 |
| Total domestic deposits to total assets | 6.7300% | 4,365 |
| Equity capital to assets | 32.6281% | 155 |
| Core capital (leverage) ratio | 31.4396% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 73.8160% | 79 |
| Memoranda: | ||
| Average total assets | $40,969,000 | 4,277 |
| Average earning assets | $15,855,000 | 4,378 |
| Average equity | $13,317,000 | 3,501 |
| Average total loans | $758,000 | 4,351 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2661% | 2,601 |
| Cost of funding earning assets | 0.3934% | 4,338 |
| Net interest margin | 4.8727% | 398 |
| Noninterest income to average assets | 6.8100% | 124 |
| Noninterest expense to average assets | 6.8239% | 153 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.1960% | 1,506 |
| Return on assets (ROA) | 1.1960% | 1,511 |
| Pretax return on assets | 1.5626% | 1,174 |
| Return on Equity (ROE) | 3.7400% | 3,736 |
| Retained earnings to average equity (ytd only) | 3.7406% | 2,732 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 77.5073% | 1,246 |
| Assets per employee ($millions) | 3.7148% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 1,574 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.3600% | 4,373 |
| Net loans and leases to deposits | 5.5185% | 4,378 |
| Net loans and leases to core deposits | 14.9000% | 4,337 |
| Total domestic deposits to total assets | 6.6100% | 4,390 |
| Equity capital to assets | 32.3814% | 152 |
| Core capital (leverage) ratio | 30.9450% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.2454% | 77 |
| Memoranda: | ||
| Average total assets | $40,636,800 | 4,299 |
| Average earning assets | $13,216,600 | 4,415 |
| Average equity | $12,992,400 | 3,518 |
| Average total loans | $155,400 | 4,376 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 2,583 |
| Cost of funding earning assets | 0.3148% | 4,393 |
| Net interest margin | 4.9210% | 369 |
| Noninterest income to average assets | 6.4700% | 117 |
| Noninterest expense to average assets | 6.5416% | 154 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.1171% | 1,713 |
| Return on assets (ROA) | 1.1171% | 1,718 |
| Pretax return on assets | 1.4588% | 1,385 |
| Return on Equity (ROE) | 3.5100% | 3,806 |
| Retained earnings to average equity (ytd only) | 3.5053% | 3,016 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 77.7185% | 1,247 |
| Assets per employee ($millions) | 3.7379% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 1,870 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 0.3800% | 4,405 |
| Net loans and leases to deposits | 5.7778% | 4,408 |
| Net loans and leases to core deposits | 15.6000% | 4,370 |
| Total domestic deposits to total assets | 6.5700% | 4,422 |
| Equity capital to assets | 31.8263% | 148 |
| Core capital (leverage) ratio | 30.3845% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 75.3818% | 77 |
| Memoranda: | ||
| Average total assets | $40,580,250 | 4,323 |
| Average earning assets | $12,707,000 | 4,447 |
| Average equity | $12,932,500 | 3,531 |
| Average total loans | $156,500 | 4,407 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 3,083 |
| Cost of funding earning assets | 0.1518% | 4,438 |
| Net interest margin | 4.7740% | 433 |
| Noninterest income to average assets | 6.0600% | 128 |
| Noninterest expense to average assets | 5.9602% | 174 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.1386% | 1,625 |
| Return on assets (ROA) | 1.1386% | 1,624 |
| Pretax return on assets | 1.4900% | 1,300 |
| Return on Equity (ROE) | 3.5700% | 3,799 |
| Retained earnings to average equity (ytd only) | 3.5711% | 2,861 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 75.5806% | 1,501 |
| Assets per employee ($millions) | 3.7688% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,144 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.3900% | 4,426 |
| Net loans and leases to deposits | 6.0000% | 4,431 |
| Net loans and leases to core deposits | 16.2000% | 4,385 |
| Total domestic deposits to total assets | 6.5100% | 4,440 |
| Equity capital to assets | 31.2999% | 153 |
| Core capital (leverage) ratio | 30.4718% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 72.8602% | 77 |
| Memoranda: | ||
| Average total assets | $40,401,333 | 4,344 |
| Average earning assets | $11,856,000 | 4,468 |
| Average equity | $12,881,333 | 3,519 |
| Average total loans | $156,000 | 4,427 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3144% | 2,169 |
| Cost of funding earning assets | 0.0000% | 4,491 |
| Net interest margin | 5.3144% | 224 |
| Noninterest income to average assets | 6.1200% | 115 |
| Noninterest expense to average assets | 5.1362% | 215 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.7656% | 601 |
| Return on assets (ROA) | 1.7656% | 608 |
| Pretax return on assets | 2.3173% | 415 |
| Return on Equity (ROE) | 5.4900% | 3,342 |
| Retained earnings to average equity (ytd only) | 5.4854% | 2,272 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 64.4295% | 2,763 |
| Assets per employee ($millions) | 5.0101% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 1,634 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.3700% | 4,454 |
| Net loans and leases to deposits | 14.6535% | 4,428 |
| Net loans and leases to core deposits | 14.6535% | 4,453 |
| Total domestic deposits to total assets | 2.5200% | 4,504 |
| Equity capital to assets | 32.2397% | 152 |
| Core capital (leverage) ratio | 30.3638% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.1945% | 79 |
| Memoranda: | ||
| Average total assets | $39,873,500 | 4,377 |
| Average earning assets | $10,161,000 | 4,500 |
| Average equity | $12,834,000 | 3,525 |
| Average total loans | $152,000 | 4,455 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 2,122 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 4.9745% | 326 |
| Noninterest income to average assets | 5.1900% | 125 |
| Noninterest expense to average assets | 5.1469% | 219 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6079% | 3,426 |
| Return on assets (ROA) | 0.6079% | 3,416 |
| Pretax return on assets | 0.8004% | 3,213 |
| Return on Equity (ROE) | 1.9100% | 4,163 |
| Retained earnings to average equity (ytd only) | 1.9063% | 3,600 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.0051% | 851 |
| Assets per employee ($millions) | 4.9583% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.3900% | 4,471 |
| Net loans and leases to deposits | 15.2475% | 4,442 |
| Net loans and leases to core deposits | 15.2475% | 4,467 |
| Total domestic deposits to total assets | 2.5500% | 4,525 |
| Equity capital to assets | 32.1333% | 153 |
| Core capital (leverage) ratio | 29.9819% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.2427% | 77 |
| Memoranda: | ||
| Average total assets | $39,480,400 | 4,395 |
| Average earning assets | $6,030,800 | 4,535 |
| Average equity | $12,589,600 | 3,480 |
| Average total loans | $30,800 | 4,475 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 2,483 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 4.6932% | 464 |
| Noninterest income to average assets | 5.1600% | 123 |
| Noninterest expense to average assets | 5.2373% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3956% | 3,974 |
| Return on assets (ROA) | 0.3956% | 3,972 |
| Pretax return on assets | 0.5207% | 3,872 |
| Return on Equity (ROE) | 1.2400% | 4,289 |
| Retained earnings to average equity (ytd only) | 1.2429% | 3,897 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.2613% | 548 |
| Assets per employee ($millions) | 5.6590% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 2.5200% | 4,554 |
| Equity capital to assets | 31.8658% | 158 |
| Core capital (leverage) ratio | 29.8662% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 72.0060% | 76 |
| Memoranda: | ||
| Average total assets | $39,434,000 | 4,413 |
| Average earning assets | $5,000,000 | 4,565 |
| Average equity | $12,550,500 | 3,469 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5800% | 4,605 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 2.5800% | 4,129 |
| Noninterest income to average assets | 5.1600% | 117 |
| Noninterest expense to average assets | 5.1607% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1676% | 4,316 |
| Return on assets (ROA) | 0.1676% | 4,341 |
| Pretax return on assets | 0.2184% | 4,300 |
| Return on Equity (ROE) | 0.5300% | 4,401 |
| Retained earnings to average equity (ytd only) | 0.5269% | 3,983 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.8017% | 360 |
| Assets per employee ($millions) | 4.4113% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 2.5200% | 4,580 |
| Equity capital to assets | 31.5803% | 153 |
| Core capital (leverage) ratio | 29.8775% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 70.4774% | 72 |
| Memoranda: | ||
| Average total assets | $39,374,333 | 4,435 |
| Average earning assets | $3,333,333 | 4,598 |
| Average equity | $12,526,333 | 3,485 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,671 |
| Cost of funding earning assets | 0.0000% | 4,615 |
| Net interest margin | 0.0000% | 4,669 |
| Noninterest income to average assets | 5.2300% | 123 |
| Noninterest expense to average assets | 4.8354% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3060% | 4,244 |
| Return on assets (ROA) | 0.3060% | 4,203 |
| Pretax return on assets | 0.3979% | 4,139 |
| Return on Equity (ROE) | 0.9600% | 4,384 |
| Retained earnings to average equity (ytd only) | 0.9584% | 3,872 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.9649% | 509 |
| Assets per employee ($millions) | 4.3521% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 2.5600% | 4,622 |
| Equity capital to assets | 32.0023% | 114 |
| Core capital (leverage) ratio | 38.2449% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 70.6401% | 73 |
| Memoranda: | ||
| Average total assets | $39,210,500 | 4,504 |
| Average earning assets | $0 | 4,672 |
| Average equity | $12,520,500 | 3,520 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,703 |
| Cost of funding earning assets | 0.0000% | 4,648 |
| Net interest margin | 0.0000% | 4,702 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 0.0307% | 4,707 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0095% | 4,556 |
| Return on assets (ROA) | 0.0095% | 4,542 |
| Pretax return on assets | 0.0124% | 4,535 |
| Return on Equity (ROE) | 0.1200% | 4,538 |
| Retained earnings to average equity (ytd only) | -184.0772% | 4,726 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.4255% | 2,303 |
| Assets per employee ($millions) | 5.6074% | 3,118 |
| Cash dividends to net income (ytd only)* | 150,403.2258% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 2.5500% | 4,654 |
| Equity capital to assets | 31.8608% | 117 |
| Core capital (leverage) ratio | 31.0391% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.6344% | 72 |
| Memoranda: | ||
| Average total assets | $1,310,952,800 | 784 |
| Average earning assets | $1,249,335,800 | 759 |
| Average equity | $101,248,800 | 938 |
| Average total loans | $866,910,000 | 774 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3282% | 3,102 |
| Cost of funding earning assets | 0.1914% | 3,378 |
| Net interest margin | 3.1368% | 2,809 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.2395% | 2,820 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.8719% | 2,999 |
| Return on assets (ROA) | 0.8719% | 2,966 |
| Pretax return on assets | 1.1234% | 2,648 |
| Return on Equity (ROE) | 11.5100% | 2,203 |
| Retained earnings to average equity (ytd only) | 11.5059% | 917 |
| Net charge-offs to loans | -0.0043% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.3992% | 2,491 |
| Assets per employee ($millions) | 10.3694% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,148 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 78.4100% | 673 |
| Net loans and leases to deposits | 87.3426% | 1,077 |
| Net loans and leases to core deposits | 90.1189% | 1,288 |
| Total domestic deposits to total assets | 89.7800% | 1,751 |
| Equity capital to assets | 8.2651% | 2,711 |
| Core capital (leverage) ratio | 8.4121% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3615% | 2,975 |
| Memoranda: | ||
| Average total assets | $1,628,878,000 | 665 |
| Average earning assets | $1,561,669,750 | 637 |
| Average equity | $123,434,500 | 806 |
| Average total loans | $1,083,637,500 | 633 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0278% | 3,484 |
| Cost of funding earning assets | 0.1333% | 3,801 |
| Net interest margin | 2.8945% | 3,184 |
| Noninterest income to average assets | 0.5614% | 1,898 |
| Noninterest expense to average assets | 1.8396% | 3,859 |
| Loan and lease loss provision to assets | 0.0542% | 1,607 |
| Net operating income to assets | 1.1231% | 1,687 |
| Return on assets (ROA) | 1.1231% | 1,667 |
| Pretax return on assets | 1.4446% | 1,321 |
| Return on Equity (ROE) | 15.2463% | 844 |
| Retained earnings to average equity (ytd only) | 15.2463% | 243 |
| Net charge-offs to loans | -0.0069% | 3,452 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1041% | 3,861 |
| Assets per employee ($millions) | 10.1880% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 3,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 67.1004% | 1,567 |
| Net loans and leases to deposits | 72.7911% | 1,970 |
| Net loans and leases to core deposits | 74.9222% | 2,101 |
| Total domestic deposits to total assets | 92.1821% | 767 |
| Equity capital to assets | 7.5532% | 3,434 |
| Core capital (leverage) ratio | 8.0244% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0640% | 2,798 |
| Memoranda: | ||
| Average total assets | $1,660,282,000 | 653 |
| Average earning assets | $1,592,882,667 | 623 |
| Average equity | $122,298,667 | 821 |
| Average total loans | $1,039,391,000 | 648 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9015% | 3,532 |
| Cost of funding earning assets | 0.1495% | 3,511 |
| Net interest margin | 2.7519% | 3,273 |
| Noninterest income to average assets | 0.8595% | 913 |
| Noninterest expense to average assets | 1.8158% | 3,904 |
| Loan and lease loss provision to assets | 0.0542% | 1,411 |
| Net operating income to assets | 1.2635% | 1,082 |
| Return on assets (ROA) | 1.2635% | 1,072 |
| Pretax return on assets | 1.6276% | 792 |
| Return on Equity (ROE) | 17.3739% | 382 |
| Retained earnings to average equity (ytd only) | 17.3739% | 160 |
| Net charge-offs to loans | -0.0016% | 3,072 |
| Credit loss provision to net charge-offs | -5,625.0000% | 3,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9151% | 4,204 |
| Assets per employee ($millions) | 10.6267% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 2,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.1332% | 2,400 |
| Net loans and leases to deposits | 62.4852% | 2,676 |
| Net loans and leases to core deposits | 64.4266% | 2,763 |
| Total domestic deposits to total assets | 91.4348% | 840 |
| Equity capital to assets | 7.0383% | 4,198 |
| Core capital (leverage) ratio | 7.8465% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8688% | 2,653 |
| Memoranda: | ||
| Average total assets | $1,660,102,500 | 652 |
| Average earning assets | $1,591,480,000 | 626 |
| Average equity | $120,732,500 | 857 |
| Average total loans | $995,909,000 | 670 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2453% | 3,354 |
| Cost of funding earning assets | 0.1777% | 3,686 |
| Net interest margin | 3.0676% | 3,003 |
| Noninterest income to average assets | 0.4490% | 2,822 |
| Noninterest expense to average assets | 2.1549% | 3,218 |
| Loan and lease loss provision to assets | 0.0539% | 1,979 |
| Net operating income to assets | 0.9291% | 2,944 |
| Return on assets (ROA) | 0.9343% | 2,990 |
| Pretax return on assets | 1.1754% | 2,748 |
| Return on Equity (ROE) | 11.7103% | 1,914 |
| Retained earnings to average equity (ytd only) | 8.1093% | 1,494 |
| Net charge-offs to loans | -0.0348% | 4,177 |
| Credit loss provision to net charge-offs | -236.5931% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8001% | 2,590 |
| Assets per employee ($millions) | 9.6306% | 749 |
| Cash dividends to net income (ytd only)* | 30.7503% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 3,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 61.6060% | 1,982 |
| Net loans and leases to deposits | 67.8137% | 2,326 |
| Net loans and leases to core deposits | 70.2081% | 2,424 |
| Total domestic deposits to total assets | 90.8459% | 555 |
| Equity capital to assets | 7.5249% | 4,584 |
| Core capital (leverage) ratio | 8.3294% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6198% | 2,748 |
| Memoranda: | ||
| Average total assets | $1,392,274,600 | 720 |
| Average earning assets | $1,329,147,000 | 702 |
| Average equity | $111,082,000 | 937 |
| Average total loans | $911,794,400 | 716 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2962% | 3,399 |
| Cost of funding earning assets | 0.1875% | 3,737 |
| Net interest margin | 3.1087% | 3,030 |
| Noninterest income to average assets | 0.4777% | 2,719 |
| Noninterest expense to average assets | 2.1590% | 3,196 |
| Loan and lease loss provision to assets | 0.0597% | 1,799 |
| Net operating income to assets | 0.9904% | 2,950 |
| Return on assets (ROA) | 0.9969% | 2,985 |
| Pretax return on assets | 1.2328% | 2,827 |
| Return on Equity (ROE) | 12.2865% | 1,946 |
| Retained earnings to average equity (ytd only) | 7.3837% | 2,275 |
| Net charge-offs to loans | -0.0469% | 4,332 |
| Credit loss provision to net charge-offs | -191.6933% | 3,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6975% | 2,580 |
| Assets per employee ($millions) | 11.4323% | 435 |
| Cash dividends to net income (ytd only)* | 39.9042% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 62.3209% | 1,972 |
| Net loans and leases to deposits | 69.1719% | 2,316 |
| Net loans and leases to core deposits | 71.9630% | 2,426 |
| Total domestic deposits to total assets | 90.0957% | 733 |
| Equity capital to assets | 8.1312% | 4,452 |
| Core capital (leverage) ratio | 8.5165% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9641% | 2,380 |
| Memoranda: | ||
| Average total assets | $1,340,674,500 | 750 |
| Average earning assets | $1,279,049,250 | 736 |
| Average equity | $108,778,000 | 960 |
| Average total loans | $890,630,000 | 744 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1491% | 3,770 |
| Cost of funding earning assets | 0.2009% | 3,737 |
| Net interest margin | 2.9481% | 3,452 |
| Noninterest income to average assets | 0.5216% | 2,522 |
| Noninterest expense to average assets | 2.1385% | 3,272 |
| Loan and lease loss provision to assets | 0.0690% | 1,670 |
| Net operating income to assets | 0.9154% | 3,176 |
| Return on assets (ROA) | 0.9254% | 3,222 |
| Pretax return on assets | 1.1355% | 3,099 |
| Return on Equity (ROE) | 11.4151% | 2,262 |
| Retained earnings to average equity (ytd only) | 3.8454% | 3,570 |
| Net charge-offs to loans | -0.0011% | 3,103 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2054% | 2,405 |
| Assets per employee ($millions) | 11.2960% | 427 |
| Cash dividends to net income (ytd only)* | 66.3130% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 3,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.7083% | 1,486 |
| Net loans and leases to deposits | 75.5545% | 1,865 |
| Net loans and leases to core deposits | 78.6195% | 1,995 |
| Total domestic deposits to total assets | 89.6152% | 971 |
| Equity capital to assets | 8.5207% | 4,190 |
| Core capital (leverage) ratio | 8.6185% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3521% | 2,596 |
| Memoranda: | ||
| Average total assets | $1,303,598,333 | 773 |
| Average earning assets | $1,242,149,667 | 752 |
| Average equity | $105,685,000 | 973 |
| Average total loans | $882,087,667 | 751 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1567% | 3,763 |
| Cost of funding earning assets | 0.2155% | 3,769 |
| Net interest margin | 2.9412% | 3,406 |
| Noninterest income to average assets | 0.4684% | 2,762 |
| Noninterest expense to average assets | 2.1862% | 3,150 |
| Loan and lease loss provision to assets | 0.0704% | 1,749 |
| Net operating income to assets | 0.8325% | 3,323 |
| Return on assets (ROA) | 0.8325% | 3,403 |
| Pretax return on assets | 1.0147% | 3,333 |
| Return on Equity (ROE) | 10.5539% | 2,514 |
| Retained earnings to average equity (ytd only) | 10.5539% | 1,504 |
| Net charge-offs to loans | -0.0014% | 3,074 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8294% | 2,108 |
| Assets per employee ($millions) | 11.5724% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 64.0395% | 2,033 |
| Net loans and leases to deposits | 70.4912% | 2,461 |
| Net loans and leases to core deposits | 72.5204% | 2,656 |
| Total domestic deposits to total assets | 90.8475% | 453 |
| Equity capital to assets | 7.3478% | 4,759 |
| Core capital (leverage) ratio | 8.1068% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9729% | 2,677 |
| Memoranda: | ||
| Average total assets | $1,277,638,500 | 778 |
| Average earning assets | $1,217,593,500 | 757 |
| Average equity | $100,777,500 | 1,008 |
| Average total loans | $858,753,000 | 763 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 3,725 |
| Cost of funding earning assets | 0.3996% | 3,581 |
| Net interest margin | 3.2385% | 3,254 |
| Noninterest income to average assets | 0.5394% | 2,470 |
| Noninterest expense to average assets | 2.2327% | 3,583 |
| Loan and lease loss provision to assets | 0.1702% | 2,256 |
| Net operating income to assets | 0.9632% | 2,427 |
| Return on assets (ROA) | 0.9808% | 2,502 |
| Pretax return on assets | 1.2153% | 2,276 |
| Return on Equity (ROE) | 10.8218% | 1,697 |
| Retained earnings to average equity (ytd only) | 7.2197% | 1,309 |
| Net charge-offs to loans | -0.0637% | 4,719 |
| Credit loss provision to net charge-offs | -380.2083% | 3,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0805% | 3,116 |
| Assets per employee ($millions) | 13.9969% | 211 |
| Cash dividends to net income (ytd only)* | 33.2858% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 68.9959% | 1,688 |
| Net loans and leases to deposits | 77.2451% | 2,151 |
| Net loans and leases to core deposits | 80.0974% | 2,356 |
| Total domestic deposits to total assets | 89.3207% | 846 |
| Equity capital to assets | 8.5076% | 4,437 |
| Core capital (leverage) ratio | 8.4098% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4655% | 2,467 |
| Memoranda: | ||
| Average total assets | $1,072,097,000 | 822 |
| Average earning assets | $1,012,057,800 | 806 |
| Average equity | $97,165,000 | 983 |
| Average total loans | $753,929,000 | 823 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 3,222 |
| Cost of funding earning assets | 0.4172% | 3,723 |
| Net interest margin | 3.4925% | 2,612 |
| Noninterest income to average assets | 0.4134% | 3,012 |
| Noninterest expense to average assets | 2.2264% | 3,615 |
| Loan and lease loss provision to assets | 0.2046% | 1,956 |
| Net operating income to assets | 1.0237% | 2,240 |
| Return on assets (ROA) | 1.0237% | 2,378 |
| Pretax return on assets | 1.2728% | 2,146 |
| Return on Equity (ROE) | 11.1016% | 1,648 |
| Retained earnings to average equity (ytd only) | 6.2483% | 1,997 |
| Net charge-offs to loans | -0.0022% | 3,896 |
| Credit loss provision to net charge-offs | -13,333.3333% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1105% | 3,377 |
| Assets per employee ($millions) | 9.9833% | 505 |
| Cash dividends to net income (ytd only)* | 43.7172% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 1,480 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 68.4191% | 2,180 |
| Net loans and leases to deposits | 76.9396% | 2,662 |
| Net loans and leases to core deposits | 80.3052% | 2,815 |
| Total domestic deposits to total assets | 88.9258% | 800 |
| Equity capital to assets | 8.3288% | 4,559 |
| Core capital (leverage) ratio | 8.7198% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8303% | 2,274 |
| Memoranda: | ||
| Average total assets | $1,042,688,000 | 834 |
| Average earning assets | $982,355,000 | 814 |
| Average equity | $96,151,750 | 981 |
| Average total loans | $734,454,250 | 839 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 2,431 |
| Cost of funding earning assets | 0.4866% | 3,613 |
| Net interest margin | 3.8297% | 1,740 |
| Noninterest income to average assets | 0.3988% | 3,090 |
| Noninterest expense to average assets | 2.3501% | 3,399 |
| Loan and lease loss provision to assets | 0.2757% | 1,550 |
| Net operating income to assets | 1.1007% | 1,962 |
| Return on assets (ROA) | 1.1007% | 2,081 |
| Pretax return on assets | 1.3771% | 1,779 |
| Return on Equity (ROE) | 11.4977% | 1,480 |
| Retained earnings to average equity (ytd only) | 8.3563% | 1,203 |
| Net charge-offs to loans | -0.0023% | 3,846 |
| Credit loss provision to net charge-offs | -17,187.5000% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7098% | 3,595 |
| Assets per employee ($millions) | 9.0843% | 664 |
| Cash dividends to net income (ytd only)* | 27.3224% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 1,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 1,445 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 70.7844% | 1,911 |
| Net loans and leases to deposits | 80.8220% | 2,339 |
| Net loans and leases to core deposits | 84.7728% | 2,549 |
| Total domestic deposits to total assets | 87.5806% | 1,387 |
| Equity capital to assets | 9.1353% | 3,972 |
| Core capital (leverage) ratio | 9.5957% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9128% | 1,857 |
| Memoranda: | ||
| Average total assets | $997,573,333 | 855 |
| Average earning assets | $938,810,667 | 841 |
| Average equity | $95,497,000 | 979 |
| Average total loans | $707,183,333 | 850 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 3,728 |
| Cost of funding earning assets | 0.6180% | 3,343 |
| Net interest margin | 3.4044% | 3,284 |
| Noninterest income to average assets | 0.3994% | 3,111 |
| Noninterest expense to average assets | 2.3257% | 3,712 |
| Loan and lease loss provision to assets | 0.0937% | 2,508 |
| Net operating income to assets | 0.9455% | 2,360 |
| Return on assets (ROA) | 0.9455% | 2,464 |
| Pretax return on assets | 1.1808% | 2,264 |
| Return on Equity (ROE) | 9.6306% | 1,867 |
| Retained earnings to average equity (ytd only) | 9.6306% | 820 |
| Net charge-offs to loans | -0.0024% | 3,682 |
| Credit loss provision to net charge-offs | -5,625.0000% | 3,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5997% | 3,129 |
| Assets per employee ($millions) | 7.9522% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 2,075 |
| Loan loss allowance to noncurrent loans | 1,970.2882% | 300 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 1,284 |
| Noncurrent loans to loans | 0.0667% | 4,271 |
| Net loans and leases to total assets | 71.0796% | 2,077 |
| Net loans and leases to deposits | 82.3823% | 2,406 |
| Net loans and leases to core deposits | 86.5704% | 2,637 |
| Total domestic deposits to total assets | 86.2802% | 1,882 |
| Equity capital to assets | 10.2176% | 3,586 |
| Core capital (leverage) ratio | 9.8898% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9478% | 1,925 |
| Memoranda: | ||
| Average total assets | $960,384,000 | 858 |
| Average earning assets | $902,951,500 | 841 |
| Average equity | $94,282,500 | 984 |
| Average total loans | $676,367,500 | 856 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 3,050 |
| Cost of funding earning assets | 0.6605% | 3,355 |
| Net interest margin | 3.8076% | 2,479 |
| Noninterest income to average assets | 0.3392% | 3,678 |
| Noninterest expense to average assets | 2.1728% | 4,220 |
| Loan and lease loss provision to assets | 0.1011% | 2,036 |
| Net operating income to assets | 1.3043% | 1,676 |
| Return on assets (ROA) | 1.3043% | 1,753 |
| Pretax return on assets | 1.6396% | 1,369 |
| Return on Equity (ROE) | 12.8428% | 1,219 |
| Retained earnings to average equity (ytd only) | 5.8610% | 1,940 |
| Net charge-offs to loans | 0.0015% | 3,664 |
| Credit loss provision to net charge-offs | 9,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,549.1000% | 52 |
| Efficiency ratio | 55.5201% | 4,268 |
| Assets per employee ($millions) | 9.5380% | 406 |
| Cash dividends to net income (ytd only)* | 54.3637% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,031 |
| Loan loss allowance to noncurrent loans | 1,919.5122% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.9833% | 1,275 |
| Noncurrent loans to loans | 0.0666% | 4,272 |
| Net loans and leases to total assets | 68.0175% | 2,679 |
| Net loans and leases to deposits | 77.8993% | 3,020 |
| Net loans and leases to core deposits | 82.3497% | 3,093 |
| Total domestic deposits to total assets | 87.3147% | 1,446 |
| Equity capital to assets | 9.4347% | 4,400 |
| Core capital (leverage) ratio | 9.7052% | 3,837 |
| Tier 1 risk-based capital ratio | 13.6677% | 3,428 |
| Total risk-based capital ratio | 14.9185% | 3,331 |
| Memoranda: | ||
| Average total assets | $889,909,400 | 888 |
| Average earning assets | $835,374,000 | 868 |
| Average equity | $90,377,600 | 972 |
| Average total loans | $666,786,400 | 840 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 2,888 |
| Cost of funding earning assets | 0.6548% | 3,427 |
| Net interest margin | 3.8960% | 2,269 |
| Noninterest income to average assets | 0.3278% | 3,785 |
| Noninterest expense to average assets | 2.1823% | 4,214 |
| Loan and lease loss provision to assets | 0.1038% | 1,852 |
| Net operating income to assets | 1.3484% | 1,649 |
| Return on assets (ROA) | 1.3484% | 1,722 |
| Pretax return on assets | 1.6942% | 1,349 |
| Return on Equity (ROE) | 13.0152% | 1,276 |
| Retained earnings to average equity (ytd only) | 3.6465% | 3,580 |
| Net charge-offs to loans | 0.0008% | 3,435 |
| Credit loss provision to net charge-offs | 16,875.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 2,924.0038% | 19 |
| Efficiency ratio | 54.8269% | 4,302 |
| Assets per employee ($millions) | 9.3126% | 432 |
| Cash dividends to net income (ytd only)* | 71.9826% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,293 |
| Loan loss allowance to noncurrent loans | 1,874.8889% | 348 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 1,292 |
| Noncurrent loans to loans | 0.0661% | 4,341 |
| Net loans and leases to total assets | 73.6808% | 1,878 |
| Net loans and leases to deposits | 85.0233% | 2,316 |
| Net loans and leases to core deposits | 89.7455% | 2,561 |
| Total domestic deposits to total assets | 86.6596% | 1,704 |
| Equity capital to assets | 9.8484% | 4,161 |
| Core capital (leverage) ratio | 10.0314% | 3,610 |
| Tier 1 risk-based capital ratio | 12.9402% | 3,882 |
| Total risk-based capital ratio | 14.1885% | 3,777 |
| Memoranda: | ||
| Average total assets | $866,784,500 | 905 |
| Average earning assets | $812,616,000 | 890 |
| Average equity | $89,800,250 | 979 |
| Average total loans | $664,266,250 | 844 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 2,863 |
| Cost of funding earning assets | 0.6238% | 3,534 |
| Net interest margin | 3.9216% | 2,184 |
| Noninterest income to average assets | 0.3002% | 3,928 |
| Noninterest expense to average assets | 2.1360% | 4,350 |
| Loan and lease loss provision to assets | 0.1057% | 1,772 |
| Net operating income to assets | 1.3755% | 1,497 |
| Return on assets (ROA) | 1.3755% | 1,559 |
| Pretax return on assets | 1.7292% | 1,216 |
| Return on Equity (ROE) | 13.0461% | 1,222 |
| Retained earnings to average equity (ytd only) | 9.7044% | 842 |
| Net charge-offs to loans | 0.0027% | 3,078 |
| Credit loss provision to net charge-offs | 5,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 868.0000% | 84 |
| Efficiency ratio | 53.7916% | 4,494 |
| Assets per employee ($millions) | 9.5825% | 383 |
| Cash dividends to net income (ytd only)* | 25.6148% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,494 |
| Loan loss allowance to noncurrent loans | 20,520.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 1.0354% | 1,333 |
| Noncurrent loans to loans | 0.0059% | 4,704 |
| Net loans and leases to total assets | 75.4717% | 1,633 |
| Net loans and leases to deposits | 87.6707% | 2,044 |
| Net loans and leases to core deposits | 92.2646% | 2,389 |
| Total domestic deposits to total assets | 86.0854% | 1,981 |
| Equity capital to assets | 10.2992% | 3,699 |
| Core capital (leverage) ratio | 10.8705% | 2,722 |
| Tier 1 risk-based capital ratio | 13.0124% | 3,831 |
| Total risk-based capital ratio | 14.2091% | 3,771 |
| Memoranda: | ||
| Average total assets | $851,501,000 | 914 |
| Average earning assets | $797,020,330 | 907 |
| Average equity | $89,773,670 | 973 |
| Average total loans | $658,730,330 | 851 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 2,819 |
| Cost of funding earning assets | 0.5820% | 3,668 |
| Net interest margin | 3.9308% | 2,089 |
| Noninterest income to average assets | 0.3314% | 3,645 |
| Noninterest expense to average assets | 2.1942% | 4,269 |
| Loan and lease loss provision to assets | 0.1082% | 1,642 |
| Net operating income to assets | 1.3707% | 1,452 |
| Return on assets (ROA) | 1.3707% | 1,494 |
| Pretax return on assets | 1.7257% | 1,154 |
| Return on Equity (ROE) | 12.8424% | 1,270 |
| Retained earnings to average equity (ytd only) | 12.8424% | 485 |
| Net charge-offs to loans | 0.0037% | 2,594 |
| Credit loss provision to net charge-offs | 3,750.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 635.5000% | 110 |
| Efficiency ratio | 54.4716% | 4,490 |
| Assets per employee ($millions) | 9.8656% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 1,382 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.7216% | 1,203 |
| Net loans and leases to deposits | 88.6654% | 1,780 |
| Net loans and leases to core deposits | 93.5853% | 2,163 |
| Total domestic deposits to total assets | 87.6572% | 1,493 |
| Equity capital to assets | 10.7599% | 3,088 |
| Core capital (leverage) ratio | 10.8765% | 2,681 |
| Tier 1 risk-based capital ratio | 12.9267% | 3,913 |
| Total risk-based capital ratio | 14.1036% | 3,850 |
| Memoranda: | ||
| Average total assets | $831,665,000 | 945 |
| Average earning assets | $782,127,500 | 925 |
| Average equity | $88,768,500 | 977 |
| Average total loans | $647,700,000 | 864 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 2,788 |
| Cost of funding earning assets | 0.3361% | 4,372 |
| Net interest margin | 4.0566% | 1,800 |
| Noninterest income to average assets | 0.3813% | 3,546 |
| Noninterest expense to average assets | 2.1138% | 4,528 |
| Loan and lease loss provision to assets | 0.1150% | 1,918 |
| Net operating income to assets | 1.7566% | 608 |
| Return on assets (ROA) | 1.3938% | 1,447 |
| Pretax return on assets | 1.5739% | 1,541 |
| Return on Equity (ROE) | 13.5656% | 1,155 |
| Retained earnings to average equity (ytd only) | 13.5656% | 191 |
| Net charge-offs to loans | -0.0217% | 4,723 |
| Credit loss provision to net charge-offs | -692.3077% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2048% | 4,929 |
| Assets per employee ($millions) | 8.7739% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 1,449 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 76.1308% | 1,589 |
| Net loans and leases to deposits | 85.4467% | 2,357 |
| Net loans and leases to core deposits | 98.6847% | 1,818 |
| Total domestic deposits to total assets | 89.0974% | 820 |
| Equity capital to assets | 10.5859% | 3,093 |
| Core capital (leverage) ratio | 10.3890% | 3,154 |
| Tier 1 risk-based capital ratio | 12.9380% | 3,882 |
| Total risk-based capital ratio | 14.1219% | 3,819 |
| Memoranda: | ||
| Average total assets | $782,914,800 | 968 |
| Average earning assets | $738,997,000 | 948 |
| Average equity | $80,438,600 | 1,023 |
| Average total loans | $599,539,000 | 898 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,954 |
| Cost of funding earning assets | 0.2887% | 4,593 |
| Net interest margin | 4.0143% | 1,914 |
| Noninterest income to average assets | 0.3865% | 3,556 |
| Noninterest expense to average assets | 2.1220% | 4,498 |
| Loan and lease loss provision to assets | 0.1165% | 1,743 |
| Net operating income to assets | 1.5510% | 1,064 |
| Return on assets (ROA) | 1.5510% | 1,064 |
| Pretax return on assets | 1.9418% | 749 |
| Return on Equity (ROE) | 15.2195% | 834 |
| Retained earnings to average equity (ytd only) | 15.2195% | 168 |
| Net charge-offs to loans | -0.0291% | 4,739 |
| Credit loss provision to net charge-offs | -523.2558% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7618% | 4,901 |
| Assets per employee ($millions) | 9.3123% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 2,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 1,665 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.4351% | 2,088 |
| Net loans and leases to deposits | 81.9002% | 2,830 |
| Net loans and leases to core deposits | 94.9271% | 2,214 |
| Total domestic deposits to total assets | 89.6641% | 614 |
| Equity capital to assets | 9.9933% | 3,654 |
| Core capital (leverage) ratio | 10.3666% | 3,214 |
| Tier 1 risk-based capital ratio | 12.0268% | 4,491 |
| Total risk-based capital ratio | 13.1526% | 4,432 |
| Memoranda: | ||
| Average total assets | $772,456,000 | 975 |
| Average earning assets | $730,030,000 | 958 |
| Average equity | $78,721,500 | 1,034 |
| Average total loans | $590,509,750 | 907 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2363% | 2,992 |
| Cost of funding earning assets | 0.2631% | 4,675 |
| Net interest margin | 3.9732% | 1,949 |
| Noninterest income to average assets | 0.4187% | 3,363 |
| Noninterest expense to average assets | 2.1181% | 4,559 |
| Loan and lease loss provision to assets | 0.1194% | 1,657 |
| Net operating income to assets | 1.5596% | 1,011 |
| Return on assets (ROA) | 1.5596% | 1,018 |
| Pretax return on assets | 1.9481% | 691 |
| Return on Equity (ROE) | 15.1951% | 817 |
| Retained earnings to average equity (ytd only) | 15.1951% | 190 |
| Net charge-offs to loans | -0.0436% | 4,872 |
| Credit loss provision to net charge-offs | -354.3307% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6055% | 4,989 |
| Assets per employee ($millions) | 7.8627% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,725 |
| Loan loss allowance to noncurrent loans | 121.8833% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 1,902 |
| Noncurrent loans to loans | 0.9838% | 1,777 |
| Net loans and leases to total assets | 78.2009% | 1,278 |
| Net loans and leases to deposits | 87.6815% | 2,148 |
| Net loans and leases to core deposits | 104.0997% | 1,392 |
| Total domestic deposits to total assets | 89.1874% | 856 |
| Equity capital to assets | 10.3868% | 3,224 |
| Core capital (leverage) ratio | 10.4923% | 3,039 |
| Tier 1 risk-based capital ratio | 11.9688% | 4,521 |
| Total risk-based capital ratio | 13.0953% | 4,477 |
| Memoranda: | ||
| Average total assets | $753,676,670 | 998 |
| Average earning assets | $714,542,330 | 974 |
| Average equity | $77,354,000 | 1,052 |
| Average total loans | $581,957,670 | 924 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 2,871 |
| Cost of funding earning assets | 0.2312% | 4,824 |
| Net interest margin | 3.9726% | 1,806 |
| Noninterest income to average assets | 0.4487% | 3,121 |
| Noninterest expense to average assets | 2.0761% | 4,711 |
| Loan and lease loss provision to assets | 0.1208% | 1,566 |
| Net operating income to assets | 1.5866% | 885 |
| Return on assets (ROA) | 1.5866% | 888 |
| Pretax return on assets | 1.9688% | 617 |
| Return on Equity (ROE) | 15.5551% | 699 |
| Retained earnings to average equity (ytd only) | 15.5551% | 283 |
| Net charge-offs to loans | -0.0063% | 4,090 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8389% | 5,093 |
| Assets per employee ($millions) | 8.1879% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,753 |
| Loan loss allowance to noncurrent loans | 114.2998% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 1,927 |
| Noncurrent loans to loans | 1.0583% | 1,734 |
| Net loans and leases to total assets | 75.5637% | 1,616 |
| Net loans and leases to deposits | 84.5003% | 2,340 |
| Net loans and leases to core deposits | 99.9317% | 1,693 |
| Total domestic deposits to total assets | 89.4243% | 917 |
| Equity capital to assets | 10.2498% | 3,335 |
| Core capital (leverage) ratio | 10.5538% | 2,890 |
| Tier 1 risk-based capital ratio | 11.8705% | 4,630 |
| Total risk-based capital ratio | 12.9757% | 4,612 |
| Memoranda: | ||
| Average total assets | $745,242,500 | 1,009 |
| Average earning assets | $697,277,000 | 994 |
| Average equity | $76,013,500 | 1,079 |
| Average total loans | $567,993,500 | 942 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9142% | 3,674 |
| Cost of funding earning assets | 0.1880% | 5,040 |
| Net interest margin | 3.7261% | 2,692 |
| Noninterest income to average assets | 0.4262% | 3,467 |
| Noninterest expense to average assets | 2.1891% | 4,550 |
| Loan and lease loss provision to assets | 0.0774% | 2,651 |
| Net operating income to assets | 0.9343% | 2,523 |
| Return on assets (ROA) | 0.9343% | 2,561 |
| Pretax return on assets | 1.6813% | 1,055 |
| Return on Equity (ROE) | 8.7451% | 2,434 |
| Retained earnings to average equity (ytd only) | 2.3395% | 3,923 |
| Net charge-offs to loans | 0.0780% | 2,333 |
| Credit loss provision to net charge-offs | 135.0000% | 1,962 |
| Earnings coverage of net charge-offs (x) | 30.6775% | 1,523 |
| Efficiency ratio | 55.4511% | 4,819 |
| Assets per employee ($millions) | 8.1911% | 600 |
| Cash dividends to net income (ytd only)* | 73.2474% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,755 |
| Loan loss allowance to noncurrent loans | 112.2833% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 1,891 |
| Noncurrent loans to loans | 1.0718% | 1,662 |
| Net loans and leases to total assets | 75.0230% | 1,748 |
| Net loans and leases to deposits | 83.7769% | 2,515 |
| Net loans and leases to core deposits | 98.5113% | 1,826 |
| Total domestic deposits to total assets | 89.5509% | 750 |
| Equity capital to assets | 10.1487% | 3,537 |
| Core capital (leverage) ratio | 10.4013% | 2,965 |
| Tier 1 risk-based capital ratio | 11.7249% | 4,700 |
| Total risk-based capital ratio | 12.8180% | 4,705 |
| Memoranda: | ||
| Average total assets | $697,727,600 | 1,048 |
| Average earning assets | $659,426,800 | 1,023 |
| Average equity | $74,544,800 | 1,075 |
| Average total loans | $512,972,000 | 1,000 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8338% | 3,888 |
| Cost of funding earning assets | 0.1834% | 5,115 |
| Net interest margin | 3.6504% | 2,950 |
| Noninterest income to average assets | 0.4282% | 3,491 |
| Noninterest expense to average assets | 2.1696% | 4,592 |
| Loan and lease loss provision to assets | 0.0465% | 3,172 |
| Net operating income to assets | 1.1126% | 2,033 |
| Return on assets (ROA) | 1.1126% | 2,092 |
| Pretax return on assets | 1.6582% | 1,220 |
| Return on Equity (ROE) | 10.2758% | 1,998 |
| Retained earnings to average equity (ytd only) | 5.3080% | 2,675 |
| Net charge-offs to loans | -0.0125% | 4,699 |
| Credit loss provision to net charge-offs | -510.6383% | 4,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9986% | 4,735 |
| Assets per employee ($millions) | 7.8255% | 673 |
| Cash dividends to net income (ytd only)* | 48.3450% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,510 |
| Loan loss allowance to noncurrent loans | 106.5965% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9391% | 1,815 |
| Noncurrent loans to loans | 1.1930% | 1,606 |
| Net loans and leases to total assets | 75.8846% | 1,607 |
| Net loans and leases to deposits | 85.3624% | 2,387 |
| Net loans and leases to core deposits | 100.0283% | 1,706 |
| Total domestic deposits to total assets | 88.8969% | 933 |
| Equity capital to assets | 10.8498% | 3,019 |
| Core capital (leverage) ratio | 10.9601% | 2,497 |
| Tier 1 risk-based capital ratio | 12.4488% | 4,350 |
| Total risk-based capital ratio | 13.6129% | 4,309 |
| Memoranda: | ||
| Average total assets | $687,860,750 | 1,065 |
| Average earning assets | $649,367,250 | 1,039 |
| Average equity | $74,477,000 | 1,080 |
| Average total loans | $501,264,250 | 1,027 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7192% | 4,166 |
| Cost of funding earning assets | 0.1827% | 5,117 |
| Net interest margin | 3.5365% | 3,268 |
| Noninterest income to average assets | 0.4109% | 3,619 |
| Noninterest expense to average assets | 2.1715% | 4,624 |
| Loan and lease loss provision to assets | 0.0484% | 3,025 |
| Net operating income to assets | 1.0296% | 2,293 |
| Return on assets (ROA) | 1.0296% | 2,334 |
| Pretax return on assets | 1.5326% | 1,538 |
| Return on Equity (ROE) | 9.5163% | 2,260 |
| Retained earnings to average equity (ytd only) | 4.7080% | 2,910 |
| Net charge-offs to loans | -0.0156% | 4,679 |
| Credit loss provision to net charge-offs | -434.2105% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8692% | 4,609 |
| Assets per employee ($millions) | 7.3948% | 781 |
| Cash dividends to net income (ytd only)* | 50.5266% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 2,208 |
| Loan loss allowance to noncurrent loans | 105.4427% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.9502% | 1,849 |
| Noncurrent loans to loans | 1.2750% | 1,515 |
| Net loans and leases to total assets | 71.7898% | 2,239 |
| Net loans and leases to deposits | 80.7369% | 2,835 |
| Net loans and leases to core deposits | 96.8014% | 1,903 |
| Total domestic deposits to total assets | 88.9183% | 996 |
| Equity capital to assets | 10.8170% | 3,014 |
| Core capital (leverage) ratio | 10.8714% | 2,534 |
| Tier 1 risk-based capital ratio | 13.5278% | 3,689 |
| Total risk-based capital ratio | 14.7780% | 3,603 |
| Memoranda: | ||
| Average total assets | $682,383,670 | 1,073 |
| Average earning assets | $644,764,000 | 1,048 |
| Average equity | $73,831,330 | 1,088 |
| Average total loans | $487,908,000 | 1,054 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6667% | 4,216 |
| Cost of funding earning assets | 0.1805% | 5,151 |
| Net interest margin | 3.4862% | 3,327 |
| Noninterest income to average assets | 0.4077% | 3,604 |
| Noninterest expense to average assets | 2.2479% | 4,541 |
| Loan and lease loss provision to assets | 0.0296% | 3,182 |
| Net operating income to assets | 0.9585% | 2,486 |
| Return on assets (ROA) | 0.9585% | 2,545 |
| Pretax return on assets | 1.4224% | 1,803 |
| Return on Equity (ROE) | 8.8583% | 2,483 |
| Retained earnings to average equity (ytd only) | -0.8476% | 5,042 |
| Net charge-offs to loans | -0.0209% | 4,769 |
| Credit loss provision to net charge-offs | -200.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7548% | 4,352 |
| Assets per employee ($millions) | 8.0857% | 597 |
| Cash dividends to net income (ytd only)* | 109.5679% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 2,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 5,242 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 68.2632% | 2,634 |
| Net loans and leases to deposits | 76.5470% | 3,132 |
| Net loans and leases to core deposits | 85.7283% | 2,743 |
| Total domestic deposits to total assets | 89.1781% | 1,061 |
| Equity capital to assets | 10.5170% | 3,164 |
| Core capital (leverage) ratio | 10.6848% | 2,697 |
| Tier 1 risk-based capital ratio | 13.8388% | 3,581 |
| Total risk-based capital ratio | 15.0895% | 3,490 |
| Memoranda: | ||
| Average total assets | $676,022,000 | 1,085 |
| Average earning assets | $638,398,000 | 1,062 |
| Average equity | $73,152,000 | 1,089 |
| Average total loans | $478,954,000 | 1,066 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 3,810 |
| Cost of funding earning assets | 0.1686% | 5,293 |
| Net interest margin | 3.6606% | 2,858 |
| Noninterest income to average assets | 0.4582% | 3,491 |
| Noninterest expense to average assets | 2.2957% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0588% | 2,097 |
| Return on assets (ROA) | 1.0607% | 2,189 |
| Pretax return on assets | 1.5875% | 1,325 |
| Return on Equity (ROE) | 9.5564% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.0947% | 571 |
| Net charge-offs to loans | 0.0864% | 2,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 25.4456% | 1,587 |
| Efficiency ratio | 59.1622% | 4,708 |
| Assets per employee ($millions) | 7.4622% | 743 |
| Cash dividends to net income (ytd only)* | 4.8306% | 4,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 2,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 4,989 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.5663% | 2,227 |
| Net loans and leases to deposits | 80.7689% | 2,805 |
| Net loans and leases to core deposits | 98.2666% | 1,752 |
| Total domestic deposits to total assets | 88.6062% | 1,319 |
| Equity capital to assets | 11.1428% | 2,484 |
| Core capital (leverage) ratio | 11.2054% | 2,165 |
| Tier 1 risk-based capital ratio | 14.0233% | 3,454 |
| Total risk-based capital ratio | 15.2739% | 3,364 |
| Memoranda: | ||
| Average total assets | $634,277,400 | 1,115 |
| Average earning assets | $592,960,800 | 1,099 |
| Average equity | $70,403,400 | 1,121 |
| Average total loans | $456,999,400 | 1,068 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 3,827 |
| Cost of funding earning assets | 0.1681% | 5,360 |
| Net interest margin | 3.6649% | 2,843 |
| Noninterest income to average assets | 0.4623% | 3,476 |
| Noninterest expense to average assets | 2.2417% | 4,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0896% | 2,046 |
| Return on assets (ROA) | 1.0920% | 2,134 |
| Pretax return on assets | 1.6449% | 1,263 |
| Return on Equity (ROE) | 9.8480% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.2264% | 750 |
| Net charge-offs to loans | 0.0575% | 2,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 39.6877% | 1,254 |
| Efficiency ratio | 57.7312% | 4,853 |
| Assets per employee ($millions) | 7.3485% | 772 |
| Cash dividends to net income (ytd only)* | 6.3119% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,927 |
| Loan loss allowance to noncurrent loans | 3,398.5000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 4,958 |
| Noncurrent loans to loans | 0.0430% | 5,187 |
| Net loans and leases to total assets | 70.0884% | 2,475 |
| Net loans and leases to deposits | 79.0413% | 3,073 |
| Net loans and leases to core deposits | 94.9958% | 2,104 |
| Total domestic deposits to total assets | 88.6732% | 1,065 |
| Equity capital to assets | 11.0644% | 2,946 |
| Core capital (leverage) ratio | 11.2771% | 2,210 |
| Tier 1 risk-based capital ratio | 14.3712% | 3,347 |
| Total risk-based capital ratio | 15.6231% | 3,279 |
| Memoranda: | ||
| Average total assets | $628,678,000 | 1,126 |
| Average earning assets | $586,771,250 | 1,109 |
| Average equity | $69,711,250 | 1,136 |
| Average total loans | $452,110,500 | 1,077 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 3,800 |
| Cost of funding earning assets | 0.1671% | 5,437 |
| Net interest margin | 3.6756% | 2,797 |
| Noninterest income to average assets | 0.4418% | 3,579 |
| Noninterest expense to average assets | 2.2388% | 4,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0622% | 2,111 |
| Return on assets (ROA) | 1.0622% | 2,237 |
| Pretax return on assets | 1.6278% | 1,286 |
| Return on Equity (ROE) | 9.5718% | 2,242 |
| Retained earnings to average equity (ytd only) | 8.6274% | 961 |
| Net charge-offs to loans | 0.0992% | 1,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 22.7387% | 1,615 |
| Efficiency ratio | 57.9018% | 4,915 |
| Assets per employee ($millions) | 7.4071% | 728 |
| Cash dividends to net income (ytd only)* | 9.8664% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,935 |
| Loan loss allowance to noncurrent loans | 3,318.1373% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 4,936 |
| Noncurrent loans to loans | 0.0446% | 5,280 |
| Net loans and leases to total assets | 70.6830% | 2,372 |
| Net loans and leases to deposits | 79.7155% | 2,966 |
| Net loans and leases to core deposits | 100.6019% | 1,591 |
| Total domestic deposits to total assets | 88.6691% | 1,079 |
| Equity capital to assets | 11.1095% | 2,934 |
| Core capital (leverage) ratio | 11.0169% | 2,417 |
| Tier 1 risk-based capital ratio | 14.3509% | 3,404 |
| Total risk-based capital ratio | 15.6033% | 3,328 |
| Memoranda: | ||
| Average total assets | $620,232,670 | 1,139 |
| Average earning assets | $577,926,000 | 1,132 |
| Average equity | $68,827,330 | 1,148 |
| Average total loans | $447,752,330 | 1,088 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 3,789 |
| Cost of funding earning assets | 0.1581% | 5,550 |
| Net interest margin | 3.6859% | 2,726 |
| Noninterest income to average assets | 0.4655% | 3,368 |
| Noninterest expense to average assets | 2.2535% | 4,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0696% | 2,016 |
| Return on assets (ROA) | 1.0696% | 2,132 |
| Pretax return on assets | 1.6409% | 1,203 |
| Return on Equity (ROE) | 9.6439% | 2,135 |
| Retained earnings to average equity (ytd only) | 7.7281% | 1,580 |
| Net charge-offs to loans | -0.0334% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8647% | 5,014 |
| Assets per employee ($millions) | 7.0721% | 865 |
| Cash dividends to net income (ytd only)* | 19.8655% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 1,650 |
| Loan loss allowance to noncurrent loans | 1,359.3810% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 4,757 |
| Noncurrent loans to loans | 0.1167% | 5,013 |
| Net loans and leases to total assets | 70.8905% | 2,207 |
| Net loans and leases to deposits | 79.9549% | 2,792 |
| Net loans and leases to core deposits | 99.2688% | 1,540 |
| Total domestic deposits to total assets | 88.6632% | 1,264 |
| Equity capital to assets | 11.1587% | 2,764 |
| Core capital (leverage) ratio | 11.2200% | 2,208 |
| Tier 1 risk-based capital ratio | 13.7252% | 3,851 |
| Total risk-based capital ratio | 14.9777% | 3,786 |
| Memoranda: | ||
| Average total assets | $611,842,500 | 1,155 |
| Average earning assets | $569,200,000 | 1,142 |
| Average equity | $67,856,500 | 1,156 |
| Average total loans | $443,114,000 | 1,098 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 4,670 |
| Cost of funding earning assets | 0.1592% | 5,621 |
| Net interest margin | 3.4430% | 3,747 |
| Noninterest income to average assets | 0.4385% | 3,756 |
| Noninterest expense to average assets | 2.3216% | 4,725 |
| Loan and lease loss provision to assets | -0.0075% | 5,615 |
| Net operating income to assets | 0.8575% | 3,077 |
| Return on assets (ROA) | 0.8575% | 3,147 |
| Pretax return on assets | 1.3219% | 2,194 |
| Return on Equity (ROE) | 7.9293% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.1439% | 1,217 |
| Net charge-offs to loans | 0.0936% | 2,493 |
| Credit loss provision to net charge-offs | -11.7188% | 4,953 |
| Earnings coverage of net charge-offs (x) | 20.5547% | 1,873 |
| Efficiency ratio | 63.8500% | 4,302 |
| Assets per employee ($millions) | 7.3302% | 773 |
| Cash dividends to net income (ytd only)* | 9.9048% | 4,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 1,688 |
| Loan loss allowance to noncurrent loans | 1,133.0632% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 2,305 |
| Noncurrent loans to loans | 0.1393% | 4,938 |
| Net loans and leases to total assets | 71.6684% | 2,114 |
| Net loans and leases to deposits | 80.7005% | 2,743 |
| Net loans and leases to core deposits | 96.2986% | 1,816 |
| Total domestic deposits to total assets | 88.8078% | 1,225 |
| Equity capital to assets | 11.0216% | 2,796 |
| Core capital (leverage) ratio | 10.9249% | 2,472 |
| Tier 1 risk-based capital ratio | 13.0586% | 4,266 |
| Total risk-based capital ratio | 14.3106% | 4,185 |
| Memoranda: | ||
| Average total assets | $600,494,000 | 1,130 |
| Average earning assets | $557,676,600 | 1,129 |
| Average equity | $64,936,600 | 1,165 |
| Average total loans | $410,425,800 | 1,124 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5559% | 4,852 |
| Cost of funding earning assets | 0.1615% | 5,696 |
| Net interest margin | 3.3944% | 3,984 |
| Noninterest income to average assets | 0.4424% | 3,774 |
| Noninterest expense to average assets | 2.2497% | 4,909 |
| Loan and lease loss provision to assets | -0.0033% | 5,790 |
| Net operating income to assets | 0.9022% | 2,954 |
| Return on assets (ROA) | 0.9022% | 3,036 |
| Pretax return on assets | 1.3511% | 2,208 |
| Return on Equity (ROE) | 8.3840% | 2,884 |
| Retained earnings to average equity (ytd only) | 7.6388% | 1,399 |
| Net charge-offs to loans | 0.0328% | 3,262 |
| Credit loss provision to net charge-offs | -15.1515% | 4,872 |
| Earnings coverage of net charge-offs (x) | 61.1096% | 912 |
| Efficiency ratio | 62.5364% | 4,486 |
| Assets per employee ($millions) | 6.9972% | 871 |
| Cash dividends to net income (ytd only)* | 8.8889% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 1,372 |
| Loan loss allowance to noncurrent loans | 280.6068% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 1.3530% | 1,720 |
| Noncurrent loans to loans | 0.6218% | 3,455 |
| Net loans and leases to total assets | 68.3834% | 2,622 |
| Net loans and leases to deposits | 77.0197% | 3,192 |
| Net loans and leases to core deposits | 89.3288% | 2,526 |
| Total domestic deposits to total assets | 88.7868% | 1,131 |
| Equity capital to assets | 11.0372% | 2,980 |
| Core capital (leverage) ratio | 10.9457% | 2,549 |
| Tier 1 risk-based capital ratio | 13.4616% | 4,159 |
| Total risk-based capital ratio | 14.7150% | 4,088 |
| Memoranda: | ||
| Average total assets | $598,515,500 | 1,146 |
| Average earning assets | $556,312,500 | 1,133 |
| Average equity | $64,406,750 | 1,183 |
| Average total loans | $402,275,500 | 1,149 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4701% | 5,064 |
| Cost of funding earning assets | 0.1631% | 5,753 |
| Net interest margin | 3.3070% | 4,275 |
| Noninterest income to average assets | 0.4221% | 3,908 |
| Noninterest expense to average assets | 2.1873% | 5,154 |
| Loan and lease loss provision to assets | -0.0050% | 5,944 |
| Net operating income to assets | 0.8925% | 2,922 |
| Return on assets (ROA) | 0.8925% | 3,048 |
| Pretax return on assets | 1.3223% | 2,279 |
| Return on Equity (ROE) | 8.3657% | 2,864 |
| Retained earnings to average equity (ytd only) | 7.2360% | 1,601 |
| Net charge-offs to loans | 0.0771% | 2,287 |
| Credit loss provision to net charge-offs | -9.8039% | 4,691 |
| Earnings coverage of net charge-offs (x) | 25.7190% | 1,515 |
| Efficiency ratio | 62.4128% | 4,614 |
| Assets per employee ($millions) | 7.0968% | 805 |
| Cash dividends to net income (ytd only)* | 13.5034% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 1,488 |
| Loan loss allowance to noncurrent loans | 60.4417% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 2.8736% | 597 |
| Noncurrent loans to loans | 2.8993% | 701 |
| Net loans and leases to total assets | 66.6282% | 2,846 |
| Net loans and leases to deposits | 74.6755% | 3,415 |
| Net loans and leases to core deposits | 91.0356% | 2,238 |
| Total domestic deposits to total assets | 89.2236% | 1,038 |
| Equity capital to assets | 10.6224% | 3,299 |
| Core capital (leverage) ratio | 10.7200% | 2,710 |
| Tier 1 risk-based capital ratio | 13.3920% | 4,281 |
| Total risk-based capital ratio | 14.6457% | 4,210 |
| Memoranda: | ||
| Average total assets | $597,435,330 | 1,156 |
| Average earning assets | $556,878,670 | 1,131 |
| Average equity | $63,736,670 | 1,200 |
| Average total loans | $396,764,670 | 1,162 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4639% | 5,056 |
| Cost of funding earning assets | 0.1619% | 5,830 |
| Net interest margin | 3.3019% | 4,210 |
| Noninterest income to average assets | 0.3479% | 4,417 |
| Noninterest expense to average assets | 2.1929% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8102% | 3,209 |
| Return on assets (ROA) | 0.8102% | 3,334 |
| Pretax return on assets | 1.2467% | 2,485 |
| Return on Equity (ROE) | 7.5772% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.5772% | 1,730 |
| Net charge-offs to loans | -0.0031% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7544% | 4,514 |
| Assets per employee ($millions) | 6.6590% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 1,214 |
| Loan loss allowance to noncurrent loans | 58.8133% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 3.1440% | 577 |
| Noncurrent loans to loans | 3.2920% | 615 |
| Net loans and leases to total assets | 65.6604% | 2,828 |
| Net loans and leases to deposits | 74.1133% | 3,297 |
| Net loans and leases to core deposits | 88.7520% | 2,245 |
| Total domestic deposits to total assets | 88.5947% | 1,501 |
| Equity capital to assets | 11.1559% | 2,800 |
| Core capital (leverage) ratio | 10.9554% | 2,452 |
| Tier 1 risk-based capital ratio | 15.8975% | 2,972 |
| Total risk-based capital ratio | 17.1554% | 2,910 |
| Memoranda: | ||
| Average total assets | $590,991,500 | 1,170 |
| Average earning assets | $553,371,000 | 1,142 |
| Average equity | $63,189,500 | 1,208 |
| Average total loans | $388,197,000 | 1,186 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 4,477 |
| Cost of funding earning assets | 0.1805% | 5,907 |
| Net interest margin | 3.6240% | 3,323 |
| Noninterest income to average assets | 0.5100% | 3,433 |
| Noninterest expense to average assets | 2.3815% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9816% | 2,474 |
| Return on assets (ROA) | 0.9816% | 2,551 |
| Pretax return on assets | 1.5077% | 1,512 |
| Return on Equity (ROE) | 9.2976% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.2976% | 643 |
| Net charge-offs to loans | -0.0484% | 5,928 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2336% | 5,036 |
| Assets per employee ($millions) | 6.8462% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8885% | 1,340 |
| Loan loss allowance to noncurrent loans | 59.5825% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 2.9947% | 675 |
| Noncurrent loans to loans | 3.1696% | 694 |
| Net loans and leases to total assets | 63.2731% | 3,322 |
| Net loans and leases to deposits | 70.5914% | 3,832 |
| Net loans and leases to core deposits | 83.6773% | 2,930 |
| Total domestic deposits to total assets | 89.6329% | 907 |
| Equity capital to assets | 10.2562% | 3,783 |
| Core capital (leverage) ratio | 10.6055% | 2,830 |
| Tier 1 risk-based capital ratio | 15.4274% | 3,262 |
| Total risk-based capital ratio | 16.6851% | 3,202 |
| Memoranda: | ||
| Average total assets | $565,684,000 | 1,168 |
| Average earning assets | $527,487,200 | 1,153 |
| Average equity | $59,725,200 | 1,227 |
| Average total loans | $383,955,400 | 1,158 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 4,258 |
| Cost of funding earning assets | 0.1869% | 5,946 |
| Net interest margin | 3.6877% | 3,076 |
| Noninterest income to average assets | 0.5472% | 3,218 |
| Noninterest expense to average assets | 2.1651% | 5,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1887% | 1,713 |
| Return on assets (ROA) | 1.1887% | 1,789 |
| Pretax return on assets | 1.8150% | 863 |
| Return on Equity (ROE) | 11.1708% | 1,729 |
| Retained earnings to average equity (ytd only) | 11.1708% | 490 |
| Net charge-offs to loans | -0.0636% | 6,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3989% | 5,784 |
| Assets per employee ($millions) | 6.6243% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 1,490 |
| Loan loss allowance to noncurrent loans | 59.0855% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 3.4034% | 639 |
| Noncurrent loans to loans | 3.1872% | 799 |
| Net loans and leases to total assets | 67.8337% | 2,565 |
| Net loans and leases to deposits | 76.2258% | 3,160 |
| Net loans and leases to core deposits | 89.8621% | 2,234 |
| Total domestic deposits to total assets | 88.9905% | 1,242 |
| Equity capital to assets | 10.8758% | 3,092 |
| Core capital (leverage) ratio | 10.9489% | 2,536 |
| Tier 1 risk-based capital ratio | 15.0786% | 3,544 |
| Total risk-based capital ratio | 16.3361% | 3,476 |
| Memoranda: | ||
| Average total assets | $554,777,250 | 1,209 |
| Average earning assets | $516,446,250 | 1,192 |
| Average equity | $59,033,500 | 1,248 |
| Average total loans | $381,706,500 | 1,164 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8943% | 4,158 |
| Cost of funding earning assets | 0.1912% | 5,991 |
| Net interest margin | 3.7031% | 2,952 |
| Noninterest income to average assets | 0.5715% | 2,981 |
| Noninterest expense to average assets | 2.1546% | 5,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2193% | 1,535 |
| Return on assets (ROA) | 1.2193% | 1,590 |
| Pretax return on assets | 1.8617% | 738 |
| Return on Equity (ROE) | 11.5469% | 1,562 |
| Retained earnings to average equity (ytd only) | 11.5469% | 471 |
| Net charge-offs to loans | -0.1006% | 6,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6455% | 5,937 |
| Assets per employee ($millions) | 6.7468% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 1,429 |
| Loan loss allowance to noncurrent loans | 58.0577% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 3.5473% | 645 |
| Noncurrent loans to loans | 3.3833% | 808 |
| Net loans and leases to total assets | 66.9832% | 2,582 |
| Net loans and leases to deposits | 75.2600% | 3,157 |
| Net loans and leases to core deposits | 92.4914% | 1,899 |
| Total domestic deposits to total assets | 89.0024% | 1,347 |
| Equity capital to assets | 10.8889% | 2,992 |
| Core capital (leverage) ratio | 10.8655% | 2,568 |
| Tier 1 risk-based capital ratio | 15.0523% | 3,607 |
| Total risk-based capital ratio | 16.3102% | 3,548 |
| Memoranda: | ||
| Average total assets | $549,806,670 | 1,217 |
| Average earning assets | $511,466,330 | 1,199 |
| Average equity | $58,058,670 | 1,260 |
| Average total loans | $377,656,000 | 1,169 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 4,312 |
| Cost of funding earning assets | 0.1962% | 6,032 |
| Net interest margin | 3.6470% | 3,072 |
| Noninterest income to average assets | 0.3634% | 4,484 |
| Noninterest expense to average assets | 2.0128% | 5,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1385% | 1,670 |
| Return on assets (ROA) | 1.1385% | 1,741 |
| Pretax return on assets | 1.7420% | 892 |
| Return on Equity (ROE) | 10.9537% | 1,698 |
| Retained earnings to average equity (ytd only) | 10.9537% | 751 |
| Net charge-offs to loans | -0.0731% | 5,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6054% | 6,044 |
| Assets per employee ($millions) | 6.6831% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 1,667 |
| Loan loss allowance to noncurrent loans | 56.0218% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 3.6238% | 710 |
| Noncurrent loans to loans | 3.4487% | 860 |
| Net loans and leases to total assets | 66.8289% | 2,424 |
| Net loans and leases to deposits | 74.7596% | 2,978 |
| Net loans and leases to core deposits | 89.6826% | 1,939 |
| Total domestic deposits to total assets | 89.3918% | 1,425 |
| Equity capital to assets | 10.4492% | 3,299 |
| Core capital (leverage) ratio | 10.8043% | 2,594 |
| Tier 1 risk-based capital ratio | 14.9461% | 3,738 |
| Total risk-based capital ratio | 16.2045% | 3,688 |
| Memoranda: | ||
| Average total assets | $548,090,000 | 1,231 |
| Average earning assets | $509,677,500 | 1,212 |
| Average equity | $56,967,000 | 1,278 |
| Average total loans | $377,482,500 | 1,172 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 4,577 |
| Cost of funding earning assets | 0.2475% | 5,981 |
| Net interest margin | 3.6221% | 3,368 |
| Noninterest income to average assets | 0.3281% | 4,990 |
| Noninterest expense to average assets | 2.4711% | 4,856 |
| Loan and lease loss provision to assets | 0.2812% | 1,227 |
| Net operating income to assets | 0.5895% | 4,312 |
| Return on assets (ROA) | 0.5895% | 4,424 |
| Pretax return on assets | 0.9136% | 3,707 |
| Return on Equity (ROE) | 6.2085% | 3,968 |
| Retained earnings to average equity (ytd only) | 5.6375% | 2,192 |
| Net charge-offs to loans | 0.3893% | 1,730 |
| Credit loss provision to net charge-offs | 109.4441% | 2,200 |
| Earnings coverage of net charge-offs (x) | 4.6497% | 3,501 |
| Efficiency ratio | 67.4069% | 4,305 |
| Assets per employee ($millions) | 6.6035% | 942 |
| Cash dividends to net income (ytd only)* | 9.1971% | 4,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 1,740 |
| Loan loss allowance to noncurrent loans | 55.0735% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 3.7308% | 746 |
| Noncurrent loans to loans | 3.4849% | 905 |
| Net loans and leases to total assets | 68.2808% | 2,303 |
| Net loans and leases to deposits | 76.2280% | 2,939 |
| Net loans and leases to core deposits | 92.2022% | 1,782 |
| Total domestic deposits to total assets | 89.5744% | 1,286 |
| Equity capital to assets | 10.3369% | 3,356 |
| Core capital (leverage) ratio | 10.1777% | 3,328 |
| Tier 1 risk-based capital ratio | 14.1956% | 4,154 |
| Total risk-based capital ratio | 15.4531% | 4,094 |
| Memoranda: | ||
| Average total assets | $581,004,800 | 1,146 |
| Average earning assets | $535,410,000 | 1,131 |
| Average equity | $55,166,600 | 1,296 |
| Average total loans | $383,485,800 | 1,112 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8419% | 4,691 |
| Cost of funding earning assets | 0.2546% | 6,050 |
| Net interest margin | 3.5873% | 3,505 |
| Noninterest income to average assets | 0.3592% | 4,824 |
| Noninterest expense to average assets | 2.1263% | 5,778 |
| Loan and lease loss provision to assets | 0.3687% | 854 |
| Net operating income to assets | 0.7552% | 3,577 |
| Return on assets (ROA) | 0.7552% | 3,705 |
| Pretax return on assets | 1.1643% | 2,834 |
| Return on Equity (ROE) | 8.1189% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.1189% | 1,362 |
| Net charge-offs to loans | 0.6640% | 914 |
| Credit loss provision to net charge-offs | 85.1929% | 2,727 |
| Earnings coverage of net charge-offs (x) | 3.5422% | 3,671 |
| Efficiency ratio | 58.1057% | 5,670 |
| Assets per employee ($millions) | 6.7860% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 2,316 |
| Loan loss allowance to noncurrent loans | 41.1654% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 4.9934% | 557 |
| Noncurrent loans to loans | 4.3621% | 766 |
| Net loans and leases to total assets | 67.7556% | 2,330 |
| Net loans and leases to deposits | 75.5531% | 3,019 |
| Net loans and leases to core deposits | 89.3973% | 2,031 |
| Total domestic deposits to total assets | 89.6794% | 1,179 |
| Equity capital to assets | 10.2167% | 3,616 |
| Core capital (leverage) ratio | 10.2572% | 3,310 |
| Tier 1 risk-based capital ratio | 13.8898% | 4,508 |
| Total risk-based capital ratio | 15.1454% | 4,456 |
| Memoranda: | ||
| Average total assets | $590,884,500 | 1,139 |
| Average earning assets | $543,570,250 | 1,122 |
| Average equity | $54,965,000 | 1,307 |
| Average total loans | $385,115,750 | 1,113 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7601% | 4,960 |
| Cost of funding earning assets | 0.2650% | 6,077 |
| Net interest margin | 3.4951% | 3,797 |
| Noninterest income to average assets | 0.3738% | 4,722 |
| Noninterest expense to average assets | 2.0790% | 5,910 |
| Loan and lease loss provision to assets | 0.4618% | 620 |
| Net operating income to assets | 0.6669% | 3,987 |
| Return on assets (ROA) | 0.6669% | 4,140 |
| Pretax return on assets | 1.0483% | 3,301 |
| Return on Equity (ROE) | 7.3890% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.3890% | 1,719 |
| Net charge-offs to loans | 0.8334% | 750 |
| Credit loss provision to net charge-offs | 86.5468% | 2,509 |
| Earnings coverage of net charge-offs (x) | 2.8301% | 3,572 |
| Efficiency ratio | 57.9263% | 5,742 |
| Assets per employee ($millions) | 7.3810% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 2,418 |
| Loan loss allowance to noncurrent loans | 32.1656% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 5.4001% | 548 |
| Noncurrent loans to loans | 5.6168% | 539 |
| Net loans and leases to total assets | 64.1000% | 2,895 |
| Net loans and leases to deposits | 70.7571% | 3,618 |
| Net loans and leases to core deposits | 94.9471% | 1,445 |
| Total domestic deposits to total assets | 90.5916% | 709 |
| Equity capital to assets | 9.3312% | 4,812 |
| Core capital (leverage) ratio | 9.3540% | 4,462 |
| Tier 1 risk-based capital ratio | 13.9610% | 4,448 |
| Total risk-based capital ratio | 15.2174% | 4,407 |
| Memoranda: | ||
| Average total assets | $604,622,670 | 1,110 |
| Average earning assets | $556,207,330 | 1,101 |
| Average equity | $54,567,330 | 1,322 |
| Average total loans | $387,073,670 | 1,104 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 4,808 |
| Cost of funding earning assets | 0.2925% | 6,028 |
| Net interest margin | 3.5130% | 3,641 |
| Noninterest income to average assets | 0.3581% | 4,802 |
| Noninterest expense to average assets | 2.1255% | 5,852 |
| Loan and lease loss provision to assets | 0.6428% | 379 |
| Net operating income to assets | 0.5252% | 4,547 |
| Return on assets (ROA) | 0.5252% | 4,696 |
| Pretax return on assets | 0.8144% | 4,119 |
| Return on Equity (ROE) | 5.9144% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.9144% | 2,727 |
| Net charge-offs to loans | 0.4417% | 1,347 |
| Credit loss provision to net charge-offs | 229.4664% | 992 |
| Earnings coverage of net charge-offs (x) | 5.2019% | 2,396 |
| Efficiency ratio | 59.3251% | 5,681 |
| Assets per employee ($millions) | 7.1154% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 1,998 |
| Loan loss allowance to noncurrent loans | 127.8743% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 2.7185% | 1,667 |
| Noncurrent loans to loans | 1.5778% | 3,165 |
| Net loans and leases to total assets | 62.1744% | 3,030 |
| Net loans and leases to deposits | 68.5992% | 3,689 |
| Net loans and leases to core deposits | 95.6097% | 1,224 |
| Total domestic deposits to total assets | 90.6343% | 699 |
| Equity capital to assets | 9.1757% | 5,280 |
| Core capital (leverage) ratio | 9.0911% | 4,734 |
| Tier 1 risk-based capital ratio | 13.5887% | 4,807 |
| Total risk-based capital ratio | 14.8461% | 4,763 |
| Memoranda: | ||
| Average total assets | $615,385,500 | 1,102 |
| Average earning assets | $564,869,500 | 1,094 |
| Average equity | $54,646,000 | 1,334 |
| Average total loans | $390,289,500 | 1,097 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 4,993 |
| Cost of funding earning assets | 0.4298% | 5,722 |
| Net interest margin | 3.6571% | 3,843 |
| Noninterest income to average assets | 0.2556% | 5,632 |
| Noninterest expense to average assets | 2.4494% | 5,256 |
| Loan and lease loss provision to assets | 0.6179% | 880 |
| Net operating income to assets | 0.3353% | 5,348 |
| Return on assets (ROA) | 0.3400% | 5,551 |
| Pretax return on assets | 0.5294% | 5,198 |
| Return on Equity (ROE) | 3.7013% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.5145% | 3,743 |
| Net charge-offs to loans | 0.8596% | 1,332 |
| Credit loss provision to net charge-offs | 105.6305% | 2,820 |
| Earnings coverage of net charge-offs (x) | 1.9487% | 4,447 |
| Efficiency ratio | 68.2407% | 4,097 |
| Assets per employee ($millions) | 8.2218% | 456 |
| Cash dividends to net income (ytd only)* | 5.0454% | 4,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 2,700 |
| Loan loss allowance to noncurrent loans | 48.9376% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 2.8447% | 1,683 |
| Noncurrent loans to loans | 3.6121% | 1,360 |
| Net loans and leases to total assets | 62.2705% | 3,211 |
| Net loans and leases to deposits | 68.1775% | 3,959 |
| Net loans and leases to core deposits | 93.9378% | 1,475 |
| Total domestic deposits to total assets | 91.3359% | 387 |
| Equity capital to assets | 8.6008% | 5,966 |
| Core capital (leverage) ratio | 8.8158% | 5,156 |
| Tier 1 risk-based capital ratio | 13.1482% | 5,003 |
| Total risk-based capital ratio | 14.4047% | 4,944 |
| Memoranda: | ||
| Average total assets | $582,908,200 | 1,135 |
| Average earning assets | $531,371,600 | 1,133 |
| Average equity | $53,549,400 | 1,329 |
| Average total loans | $396,690,000 | 1,054 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 4,870 |
| Cost of funding earning assets | 0.4491% | 5,806 |
| Net interest margin | 3.7366% | 3,625 |
| Noninterest income to average assets | 0.3775% | 4,802 |
| Noninterest expense to average assets | 2.4592% | 5,218 |
| Loan and lease loss provision to assets | 0.3923% | 1,633 |
| Net operating income to assets | 0.6023% | 4,384 |
| Return on assets (ROA) | 0.6087% | 4,607 |
| Pretax return on assets | 0.9474% | 3,928 |
| Return on Equity (ROE) | 6.5109% | 4,058 |
| Retained earnings to average equity (ytd only) | 6.2609% | 2,516 |
| Net charge-offs to loans | 0.2414% | 3,274 |
| Credit loss provision to net charge-offs | 234.3575% | 1,182 |
| Earnings coverage of net charge-offs (x) | 7.9442% | 2,524 |
| Efficiency ratio | 64.9062% | 4,639 |
| Assets per employee ($millions) | 7.8394% | 511 |
| Cash dividends to net income (ytd only)* | 3.8402% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0127% | 2,131 |
| Loan loss allowance to noncurrent loans | 83.0412% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 3.6390% | 1,365 |
| Noncurrent loans to loans | 2.4238% | 2,373 |
| Net loans and leases to total assets | 63.4245% | 3,131 |
| Net loans and leases to deposits | 69.8559% | 3,909 |
| Net loans and leases to core deposits | 95.5291% | 1,450 |
| Total domestic deposits to total assets | 90.7932% | 479 |
| Equity capital to assets | 9.1393% | 5,659 |
| Core capital (leverage) ratio | 9.0874% | 4,933 |
| Tier 1 risk-based capital ratio | 13.5424% | 4,855 |
| Total risk-based capital ratio | 14.8015% | 4,807 |
| Memoranda: | ||
| Average total assets | $570,365,000 | 1,176 |
| Average earning assets | $520,713,000 | 1,177 |
| Average equity | $53,324,250 | 1,345 |
| Average total loans | $395,533,250 | 1,065 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 4,432 |
| Cost of funding earning assets | 0.4760% | 5,791 |
| Net interest margin | 3.8594% | 3,091 |
| Noninterest income to average assets | 0.3698% | 4,875 |
| Noninterest expense to average assets | 2.5404% | 4,999 |
| Loan and lease loss provision to assets | 0.5035% | 1,260 |
| Net operating income to assets | 0.4704% | 4,951 |
| Return on assets (ROA) | 0.4803% | 5,156 |
| Pretax return on assets | 0.8354% | 4,329 |
| Return on Equity (ROE) | 5.0958% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.7164% | 3,468 |
| Net charge-offs to loans | 0.3581% | 2,583 |
| Credit loss provision to net charge-offs | 198.0309% | 1,440 |
| Earnings coverage of net charge-offs (x) | 5.2053% | 2,884 |
| Efficiency ratio | 65.7473% | 4,580 |
| Assets per employee ($millions) | 7.5173% | 581 |
| Cash dividends to net income (ytd only)* | 7.4460% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 2,276 |
| Loan loss allowance to noncurrent loans | 67.6068% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 4.4443% | 1,121 |
| Noncurrent loans to loans | 2.9313% | 2,041 |
| Net loans and leases to total assets | 67.5635% | 2,356 |
| Net loans and leases to deposits | 74.8036% | 3,154 |
| Net loans and leases to core deposits | 100.3345% | 1,074 |
| Total domestic deposits to total assets | 90.3211% | 752 |
| Equity capital to assets | 9.6129% | 4,895 |
| Core capital (leverage) ratio | 9.5699% | 4,045 |
| Tier 1 risk-based capital ratio | 13.8402% | 4,563 |
| Total risk-based capital ratio | 15.0989% | 4,535 |
| Memoranda: | ||
| Average total assets | $559,275,670 | 1,208 |
| Average earning assets | $506,345,670 | 1,212 |
| Average equity | $52,709,670 | 1,352 |
| Average total loans | $397,139,330 | 1,064 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 4,455 |
| Cost of funding earning assets | 0.4944% | 5,850 |
| Net interest margin | 3.8728% | 3,040 |
| Noninterest income to average assets | 0.3631% | 4,972 |
| Noninterest expense to average assets | 2.3482% | 5,634 |
| Loan and lease loss provision to assets | 0.6769% | 784 |
| Net operating income to assets | 0.4330% | 5,112 |
| Return on assets (ROA) | 0.4330% | 5,299 |
| Pretax return on assets | 0.8581% | 4,197 |
| Return on Equity (ROE) | 4.6401% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.8756% | 4,265 |
| Net charge-offs to loans | 0.4980% | 1,846 |
| Credit loss provision to net charge-offs | 188.6680% | 1,396 |
| Earnings coverage of net charge-offs (x) | 4.2783% | 2,609 |
| Efficiency ratio | 60.4702% | 5,548 |
| Assets per employee ($millions) | 7.1765% | 685 |
| Cash dividends to net income (ytd only)* | 16.4745% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8353% | 2,880 |
| Loan loss allowance to noncurrent loans | 202.2571% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 3.9179% | 1,415 |
| Noncurrent loans to loans | 0.9074% | 4,854 |
| Net loans and leases to total assets | 71.1221% | 1,549 |
| Net loans and leases to deposits | 78.7696% | 2,373 |
| Net loans and leases to core deposits | 102.9924% | 814 |
| Total domestic deposits to total assets | 90.2914% | 922 |
| Equity capital to assets | 9.4728% | 4,848 |
| Core capital (leverage) ratio | 9.6177% | 3,892 |
| Tier 1 risk-based capital ratio | 13.1142% | 5,122 |
| Total risk-based capital ratio | 14.3733% | 5,088 |
| Memoranda: | ||
| Average total assets | $560,772,000 | 1,212 |
| Average earning assets | $509,706,000 | 1,212 |
| Average equity | $52,327,000 | 1,349 |
| Average total loans | $403,987,500 | 1,043 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 5,814 |
| Cost of funding earning assets | 0.7250% | 5,376 |
| Net interest margin | 3.5571% | 4,902 |
| Noninterest income to average assets | 0.2641% | 5,641 |
| Noninterest expense to average assets | 2.0780% | 6,534 |
| Loan and lease loss provision to assets | 0.6441% | 1,587 |
| Net operating income to assets | 0.5535% | 4,217 |
| Return on assets (ROA) | 0.5588% | 4,381 |
| Pretax return on assets | 0.8409% | 3,817 |
| Return on Equity (ROE) | 6.0986% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.0986% | 1,956 |
| Net charge-offs to loans | 0.9506% | 1,824 |
| Credit loss provision to net charge-offs | 92.5396% | 3,895 |
| Earnings coverage of net charge-offs (x) | 2.1219% | 4,193 |
| Efficiency ratio | 58.4559% | 5,995 |
| Assets per employee ($millions) | 7.3890% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6933% | 3,227 |
| Loan loss allowance to noncurrent loans | 267.8308% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 3.6859% | 1,593 |
| Noncurrent loans to loans | 0.6322% | 5,449 |
| Net loans and leases to total assets | 70.4294% | 1,944 |
| Net loans and leases to deposits | 77.6375% | 2,894 |
| Net loans and leases to core deposits | 101.4148% | 1,070 |
| Total domestic deposits to total assets | 90.7157% | 620 |
| Equity capital to assets | 9.1938% | 5,297 |
| Core capital (leverage) ratio | 9.0235% | 4,737 |
| Tier 1 risk-based capital ratio | 12.9494% | 5,107 |
| Total risk-based capital ratio | 14.2063% | 5,083 |
| Memoranda: | ||
| Average total assets | $552,750,200 | 1,194 |
| Average earning assets | $511,341,800 | 1,179 |
| Average equity | $50,651,200 | 1,349 |
| Average total loans | $404,712,400 | 1,052 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2629% | 6,053 |
| Cost of funding earning assets | 0.7883% | 5,229 |
| Net interest margin | 3.4746% | 5,298 |
| Noninterest income to average assets | 0.2398% | 5,908 |
| Noninterest expense to average assets | 2.0664% | 6,560 |
| Loan and lease loss provision to assets | 0.6476% | 1,518 |
| Net operating income to assets | 0.5410% | 4,360 |
| Return on assets (ROA) | 0.5489% | 4,507 |
| Pretax return on assets | 0.7647% | 4,263 |
| Return on Equity (ROE) | 5.9954% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.9954% | 2,558 |
| Net charge-offs to loans | 1.1116% | 1,429 |
| Credit loss provision to net charge-offs | 79.1271% | 4,161 |
| Earnings coverage of net charge-offs (x) | 1.7123% | 4,372 |
| Efficiency ratio | 59.5894% | 5,785 |
| Assets per employee ($millions) | 7.3780% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 3,732 |
| Loan loss allowance to noncurrent loans | 39.5464% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 3.9547% | 1,550 |
| Noncurrent loans to loans | 4.0095% | 1,651 |
| Net loans and leases to total assets | 71.7943% | 1,758 |
| Net loans and leases to deposits | 79.1467% | 2,783 |
| Net loans and leases to core deposits | 100.5221% | 1,200 |
| Total domestic deposits to total assets | 90.7105% | 549 |
| Equity capital to assets | 9.1988% | 5,514 |
| Core capital (leverage) ratio | 9.3082% | 4,439 |
| Tier 1 risk-based capital ratio | 13.1885% | 4,954 |
| Total risk-based capital ratio | 14.4443% | 4,932 |
| Memoranda: | ||
| Average total assets | $548,700,000 | 1,213 |
| Average earning assets | $509,747,250 | 1,188 |
| Average equity | $50,237,000 | 1,359 |
| Average total loans | $403,987,750 | 1,059 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 6,043 |
| Cost of funding earning assets | 0.8686% | 4,916 |
| Net interest margin | 3.4249% | 5,463 |
| Noninterest income to average assets | 0.2229% | 6,078 |
| Noninterest expense to average assets | 2.0257% | 6,735 |
| Loan and lease loss provision to assets | 0.4013% | 2,418 |
| Net operating income to assets | 0.6132% | 3,993 |
| Return on assets (ROA) | 0.6132% | 4,125 |
| Pretax return on assets | 0.9752% | 3,336 |
| Return on Equity (ROE) | 6.7083% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.7083% | 2,015 |
| Net charge-offs to loans | 0.4758% | 2,671 |
| Credit loss provision to net charge-offs | 114.2111% | 2,681 |
| Earnings coverage of net charge-offs (x) | 3.9175% | 3,018 |
| Efficiency ratio | 59.5403% | 5,940 |
| Assets per employee ($millions) | 7.0051% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 2,845 |
| Loan loss allowance to noncurrent loans | 35.6344% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 4.0970% | 1,563 |
| Noncurrent loans to loans | 5.1752% | 1,248 |
| Net loans and leases to total assets | 72.2817% | 1,736 |
| Net loans and leases to deposits | 79.8637% | 2,824 |
| Net loans and leases to core deposits | 103.2423% | 1,098 |
| Total domestic deposits to total assets | 90.5063% | 714 |
| Equity capital to assets | 9.3982% | 4,974 |
| Core capital (leverage) ratio | 9.3527% | 4,169 |
| Tier 1 risk-based capital ratio | 13.6808% | 4,395 |
| Total risk-based capital ratio | 14.9409% | 4,361 |
| Memoranda: | ||
| Average total assets | $544,690,670 | 1,231 |
| Average earning assets | $505,656,000 | 1,206 |
| Average equity | $49,789,330 | 1,354 |
| Average total loans | $402,298,000 | 1,072 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2829% | 6,057 |
| Cost of funding earning assets | 0.9523% | 4,547 |
| Net interest margin | 3.3307% | 5,674 |
| Noninterest income to average assets | 0.2382% | 6,002 |
| Noninterest expense to average assets | 2.0441% | 6,750 |
| Loan and lease loss provision to assets | 0.2543% | 3,110 |
| Net operating income to assets | 0.5890% | 4,089 |
| Return on assets (ROA) | 0.5890% | 4,158 |
| Pretax return on assets | 1.0275% | 3,031 |
| Return on Equity (ROE) | 6.5346% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.5346% | 2,357 |
| Net charge-offs to loans | 0.0306% | 4,668 |
| Credit loss provision to net charge-offs | 1,122.5806% | 342 |
| Earnings coverage of net charge-offs (x) | 56.5806% | 521 |
| Efficiency ratio | 61.4590% | 5,768 |
| Assets per employee ($millions) | 7.1526% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 2,758 |
| Loan loss allowance to noncurrent loans | 36.4670% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 4.0882% | 1,634 |
| Noncurrent loans to loans | 5.1545% | 1,299 |
| Net loans and leases to total assets | 72.0786% | 1,707 |
| Net loans and leases to deposits | 79.5917% | 2,791 |
| Net loans and leases to core deposits | 104.3477% | 1,040 |
| Total domestic deposits to total assets | 90.5604% | 816 |
| Equity capital to assets | 9.1664% | 4,925 |
| Core capital (leverage) ratio | 9.1900% | 4,305 |
| Tier 1 risk-based capital ratio | 13.3026% | 4,574 |
| Total risk-based capital ratio | 14.5627% | 4,546 |
| Memoranda: | ||
| Average total assets | $547,341,000 | 1,232 |
| Average earning assets | $507,407,500 | 1,205 |
| Average equity | $49,337,500 | 1,353 |
| Average total loans | $404,844,500 | 1,078 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 4,960 |
| Cost of funding earning assets | 1.1800% | 4,675 |
| Net interest margin | 3.7325% | 4,219 |
| Noninterest income to average assets | 0.2602% | 5,935 |
| Noninterest expense to average assets | 2.1896% | 6,649 |
| Loan and lease loss provision to assets | 0.7873% | 2,078 |
| Net operating income to assets | 0.4396% | 4,366 |
| Return on assets (ROA) | 0.4396% | 4,525 |
| Pretax return on assets | 0.7299% | 3,871 |
| Return on Equity (ROE) | 4.7576% | 4,175 |
| Retained earnings to average equity (ytd only) | 4.2512% | 2,869 |
| Net charge-offs to loans | 0.4480% | 3,822 |
| Credit loss provision to net charge-offs | 214.5503% | 1,412 |
| Earnings coverage of net charge-offs (x) | 4.1344% | 3,050 |
| Efficiency ratio | 59.0697% | 6,188 |
| Assets per employee ($millions) | 7.2512% | 664 |
| Cash dividends to net income (ytd only)* | 10.6449% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7518% | 3,021 |
| Loan loss allowance to noncurrent loans | 42.0877% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 3.6764% | 1,872 |
| Noncurrent loans to loans | 4.1624% | 1,741 |
| Net loans and leases to total assets | 73.1605% | 1,831 |
| Net loans and leases to deposits | 80.4010% | 3,095 |
| Net loans and leases to core deposits | 101.4294% | 1,499 |
| Total domestic deposits to total assets | 90.9945% | 599 |
| Equity capital to assets | 8.8637% | 5,336 |
| Core capital (leverage) ratio | 9.1498% | 4,262 |
| Tier 1 risk-based capital ratio | 12.8470% | 4,734 |
| Total risk-based capital ratio | 14.1057% | 4,693 |
| Memoranda: | ||
| Average total assets | $515,024,600 | 1,300 |
| Average earning assets | $475,583,400 | 1,287 |
| Average equity | $47,587,000 | 1,405 |
| Average total loans | $421,853,200 | 1,059 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0381% | 4,634 |
| Cost of funding earning assets | 1.2279% | 4,699 |
| Net interest margin | 3.8102% | 3,931 |
| Noninterest income to average assets | 0.2390% | 6,177 |
| Noninterest expense to average assets | 2.2573% | 6,444 |
| Loan and lease loss provision to assets | 0.8656% | 1,757 |
| Net operating income to assets | 0.3394% | 5,010 |
| Return on assets (ROA) | 0.3394% | 5,188 |
| Pretax return on assets | 0.6342% | 4,471 |
| Return on Equity (ROE) | 3.6328% | 4,943 |
| Retained earnings to average equity (ytd only) | 2.9531% | 4,366 |
| Net charge-offs to loans | 0.2618% | 4,380 |
| Credit loss provision to net charge-offs | 393.8849% | 772 |
| Earnings coverage of net charge-offs (x) | 6.8250% | 2,445 |
| Efficiency ratio | 60.0814% | 5,936 |
| Assets per employee ($millions) | 6.9553% | 783 |
| Cash dividends to net income (ytd only)* | 18.7115% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 2,840 |
| Loan loss allowance to noncurrent loans | 46.0057% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 4.3818% | 1,552 |
| Noncurrent loans to loans | 3.8737% | 1,960 |
| Net loans and leases to total assets | 80.0423% | 742 |
| Net loans and leases to deposits | 88.3692% | 1,956 |
| Net loans and leases to core deposits | 102.4233% | 1,614 |
| Total domestic deposits to total assets | 90.5771% | 606 |
| Equity capital to assets | 9.3009% | 5,139 |
| Core capital (leverage) ratio | 9.1797% | 4,404 |
| Tier 1 risk-based capital ratio | 12.4629% | 5,016 |
| Total risk-based capital ratio | 13.7206% | 4,984 |
| Memoranda: | ||
| Average total assets | $506,008,750 | 1,333 |
| Average earning assets | $467,227,000 | 1,326 |
| Average equity | $47,272,000 | 1,424 |
| Average total loans | $424,724,500 | 1,061 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 3,870 |
| Cost of funding earning assets | 1.2825% | 4,632 |
| Net interest margin | 3.9342% | 3,301 |
| Noninterest income to average assets | 0.2163% | 6,374 |
| Noninterest expense to average assets | 2.2249% | 6,585 |
| Loan and lease loss provision to assets | 1.1806% | 1,194 |
| Net operating income to assets | 0.2190% | 5,496 |
| Return on assets (ROA) | 0.2190% | 5,629 |
| Pretax return on assets | 0.4385% | 5,097 |
| Return on Equity (ROE) | 2.3411% | 5,527 |
| Retained earnings to average equity (ytd only) | 1.3171% | 5,224 |
| Net charge-offs to loans | 0.3855% | 3,436 |
| Credit loss provision to net charge-offs | 361.3139% | 1,014 |
| Earnings coverage of net charge-offs (x) | 4.9550% | 2,797 |
| Efficiency ratio | 57.8800% | 6,396 |
| Assets per employee ($millions) | 6.5258% | 945 |
| Cash dividends to net income (ytd only)* | 43.7387% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 3,141 |
| Loan loss allowance to noncurrent loans | 190.9987% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 2.1051% | 3,372 |
| Noncurrent loans to loans | 0.8810% | 5,507 |
| Net loans and leases to total assets | 83.3960% | 401 |
| Net loans and leases to deposits | 92.1334% | 1,510 |
| Net loans and leases to core deposits | 107.9121% | 1,304 |
| Total domestic deposits to total assets | 90.5166% | 681 |
| Equity capital to assets | 9.3802% | 4,887 |
| Core capital (leverage) ratio | 9.3710% | 4,006 |
| Tier 1 risk-based capital ratio | 11.8615% | 5,431 |
| Total risk-based capital ratio | 13.1197% | 5,399 |
| Memoranda: | ||
| Average total assets | $503,113,670 | 1,349 |
| Average earning assets | $463,935,330 | 1,340 |
| Average equity | $47,072,330 | 1,425 |
| Average total loans | $426,483,330 | 1,066 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 4,190 |
| Cost of funding earning assets | 1.3399% | 4,561 |
| Net interest margin | 3.8309% | 3,666 |
| Noninterest income to average assets | 0.2439% | 6,206 |
| Noninterest expense to average assets | 2.2510% | 6,538 |
| Loan and lease loss provision to assets | 0.3615% | 3,202 |
| Net operating income to assets | 0.6698% | 3,574 |
| Return on assets (ROA) | 0.6698% | 3,687 |
| Pretax return on assets | 1.1640% | 2,496 |
| Return on Equity (ROE) | 7.1681% | 3,260 |
| Retained earnings to average equity (ytd only) | 6.1478% | 2,553 |
| Net charge-offs to loans | 0.1444% | 4,068 |
| Credit loss provision to net charge-offs | 295.4545% | 1,344 |
| Earnings coverage of net charge-offs (x) | 12.4675% | 1,564 |
| Efficiency ratio | 59.6045% | 6,242 |
| Assets per employee ($millions) | 6.4613% | 1,017 |
| Cash dividends to net income (ytd only)* | 14.2349% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 5,163 |
| Loan loss allowance to noncurrent loans | 70.1119% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 2.5698% | 2,836 |
| Noncurrent loans to loans | 1.7953% | 4,058 |
| Net loans and leases to total assets | 83.9638% | 373 |
| Net loans and leases to deposits | 93.0687% | 1,466 |
| Net loans and leases to core deposits | 110.3843% | 1,244 |
| Total domestic deposits to total assets | 90.2170% | 879 |
| Equity capital to assets | 9.5279% | 4,490 |
| Core capital (leverage) ratio | 9.5765% | 3,673 |
| Tier 1 risk-based capital ratio | 11.8744% | 5,322 |
| Total risk-based capital ratio | 13.1221% | 5,274 |
| Memoranda: | ||
| Average total assets | $503,427,500 | 1,382 |
| Average earning assets | $464,231,000 | 1,369 |
| Average equity | $47,041,500 | 1,429 |
| Average total loans | $426,612,500 | 1,103 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7570% | 2,835 |
| Cost of funding earning assets | 1.6014% | 5,014 |
| Net interest margin | 4.1556% | 2,228 |
| Noninterest income to average assets | 0.2920% | 6,026 |
| Noninterest expense to average assets | 2.5208% | 6,059 |
| Loan and lease loss provision to assets | 0.7574% | 2,840 |
| Net operating income to assets | 0.5855% | 3,383 |
| Return on assets (ROA) | 0.5855% | 3,460 |
| Pretax return on assets | 0.9514% | 2,755 |
| Return on Equity (ROE) | 6.0801% | 3,177 |
| Retained earnings to average equity (ytd only) | 5.9082% | 1,385 |
| Net charge-offs to loans | 0.2156% | 5,274 |
| Credit loss provision to net charge-offs | 388.6750% | 817 |
| Earnings coverage of net charge-offs (x) | 8.7690% | 1,899 |
| Efficiency ratio | 59.6003% | 6,541 |
| Assets per employee ($millions) | 6.7018% | 904 |
| Cash dividends to net income (ytd only)* | 2.8270% | 3,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 5,543 |
| Loan loss allowance to noncurrent loans | 19.7834% | 7,071 |
| Noncurrent assets plus other real estate owned to assets | 5.0972% | 1,192 |
| Noncurrent loans to loans | 5.9035% | 1,062 |
| Net loans and leases to total assets | 83.4695% | 493 |
| Net loans and leases to deposits | 92.0791% | 1,888 |
| Net loans and leases to core deposits | 126.2441% | 1,494 |
| Total domestic deposits to total assets | 90.6498% | 676 |
| Equity capital to assets | 9.1649% | 4,894 |
| Core capital (leverage) ratio | 9.3011% | 3,973 |
| Tier 1 risk-based capital ratio | 11.6214% | 5,275 |
| Total risk-based capital ratio | 12.8722% | 5,231 |
| Memoranda: | ||
| Average total assets | $453,142,400 | 1,528 |
| Average earning assets | $429,376,400 | 1,478 |
| Average equity | $43,634,200 | 1,535 |
| Average total loans | $409,546,000 | 1,176 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9470% | 2,240 |
| Cost of funding earning assets | 1.6542% | 5,139 |
| Net interest margin | 4.2928% | 1,747 |
| Noninterest income to average assets | 0.2954% | 6,113 |
| Noninterest expense to average assets | 2.5506% | 5,891 |
| Loan and lease loss provision to assets | 0.6058% | 2,967 |
| Net operating income to assets | 0.7661% | 2,957 |
| Return on assets (ROA) | 0.7661% | 3,019 |
| Pretax return on assets | 1.2240% | 2,189 |
| Return on Equity (ROE) | 7.8463% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.8463% | 1,181 |
| Net charge-offs to loans | 0.0646% | 6,048 |
| Credit loss provision to net charge-offs | 1,017.8571% | 365 |
| Earnings coverage of net charge-offs (x) | 30.7445% | 924 |
| Efficiency ratio | 58.2282% | 6,689 |
| Assets per employee ($millions) | 6.0046% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 6,250 |
| Loan loss allowance to noncurrent loans | 139.8560% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 5,819 |
| Noncurrent loans to loans | 0.7195% | 5,868 |
| Net loans and leases to total assets | 90.9340% | 82 |
| Net loans and leases to deposits | 101.1877% | 995 |
| Net loans and leases to core deposits | 147.9259% | 629 |
| Total domestic deposits to total assets | 89.8667% | 821 |
| Equity capital to assets | 9.9761% | 4,119 |
| Core capital (leverage) ratio | 10.0060% | 3,273 |
| Tier 1 risk-based capital ratio | 11.5063% | 5,423 |
| Total risk-based capital ratio | 12.5724% | 5,562 |
| Memoranda: | ||
| Average total assets | $439,093,750 | 1,586 |
| Average earning assets | $417,834,500 | 1,530 |
| Average equity | $42,872,750 | 1,578 |
| Average total loans | $404,391,250 | 1,210 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9963% | 2,192 |
| Cost of funding earning assets | 1.6637% | 5,452 |
| Net interest margin | 4.3325% | 1,569 |
| Noninterest income to average assets | 0.3051% | 6,078 |
| Noninterest expense to average assets | 2.5363% | 5,996 |
| Loan and lease loss provision to assets | 0.8708% | 1,933 |
| Net operating income to assets | 0.6357% | 3,531 |
| Return on assets (ROA) | 0.6357% | 3,641 |
| Pretax return on assets | 1.0215% | 2,922 |
| Return on Equity (ROE) | 6.5616% | 3,407 |
| Retained earnings to average equity (ytd only) | 6.5616% | 1,764 |
| Net charge-offs to loans | 0.0956% | 5,220 |
| Credit loss provision to net charge-offs | 988.4211% | 497 |
| Earnings coverage of net charge-offs (x) | 21.4789% | 1,265 |
| Efficiency ratio | 57.2715% | 6,963 |
| Assets per employee ($millions) | 5.8418% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 6,091 |
| Loan loss allowance to noncurrent loans | 136.0013% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6805% | 5,712 |
| Noncurrent loans to loans | 0.7485% | 5,742 |
| Net loans and leases to total assets | 89.9861% | 132 |
| Net loans and leases to deposits | 100.1643% | 1,275 |
| Net loans and leases to core deposits | 144.0131% | 838 |
| Total domestic deposits to total assets | 89.8385% | 895 |
| Equity capital to assets | 9.9981% | 3,939 |
| Core capital (leverage) ratio | 10.2165% | 3,077 |
| Tier 1 risk-based capital ratio | 11.4801% | 5,405 |
| Total risk-based capital ratio | 12.5428% | 5,504 |
| Memoranda: | ||
| Average total assets | $431,340,000 | 1,637 |
| Average earning assets | $410,523,000 | 1,586 |
| Average equity | $41,788,670 | 1,630 |
| Average total loans | $397,617,670 | 1,247 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0727% | 2,058 |
| Cost of funding earning assets | 1.6958% | 5,618 |
| Net interest margin | 4.3769% | 1,402 |
| Noninterest income to average assets | 0.2814% | 6,177 |
| Noninterest expense to average assets | 2.6458% | 5,239 |
| Loan and lease loss provision to assets | 0.3573% | 3,178 |
| Net operating income to assets | 0.9514% | 2,511 |
| Return on assets (ROA) | 0.9514% | 2,638 |
| Pretax return on assets | 1.4414% | 1,842 |
| Return on Equity (ROE) | 9.9909% | 2,325 |
| Retained earnings to average equity (ytd only) | 9.9909% | 1,201 |
| Net charge-offs to loans | 0.2051% | 3,405 |
| Credit loss provision to net charge-offs | 187.5622% | 2,333 |
| Earnings coverage of net charge-offs (x) | 9.4428% | 2,061 |
| Efficiency ratio | 59.5309% | 6,470 |
| Assets per employee ($millions) | 5.6847% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6605% | 7,547 |
| Loan loss allowance to noncurrent loans | 100.6454% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6018% | 5,675 |
| Noncurrent loans to loans | 0.6563% | 5,764 |
| Net loans and leases to total assets | 91.0840% | 94 |
| Net loans and leases to deposits | 103.3446% | 1,064 |
| Net loans and leases to core deposits | 145.8164% | 871 |
| Total domestic deposits to total assets | 88.1363% | 1,686 |
| Equity capital to assets | 9.2977% | 4,941 |
| Core capital (leverage) ratio | 9.8231% | 3,614 |
| Tier 1 risk-based capital ratio | 10.5537% | 6,338 |
| Total risk-based capital ratio | 11.2412% | 6,834 |
| Memoranda: | ||
| Average total assets | $422,102,000 | 1,692 |
| Average earning assets | $401,470,500 | 1,626 |
| Average equity | $40,196,500 | 1,697 |
| Average total loans | $391,959,000 | 1,272 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8217% | 1,608 |
| Cost of funding earning assets | 2.3446% | 4,950 |
| Net interest margin | 4.4771% | 1,479 |
| Noninterest income to average assets | 0.2131% | 6,916 |
| Noninterest expense to average assets | 2.6507% | 5,441 |
| Loan and lease loss provision to assets | 0.1161% | 5,892 |
| Net operating income to assets | 1.1111% | 2,104 |
| Return on assets (ROA) | 1.1111% | 2,021 |
| Pretax return on assets | 1.6839% | 1,179 |
| Return on Equity (ROE) | 10.8450% | 1,952 |
| Retained earnings to average equity (ytd only) | 9.3396% | 547 |
| Net charge-offs to loans | 0.0465% | 6,120 |
| Credit loss provision to net charge-offs | 266.6667% | 1,733 |
| Earnings coverage of net charge-offs (x) | 41.3519% | 891 |
| Efficiency ratio | 59.5569% | 6,426 |
| Assets per employee ($millions) | 5.2790% | 1,661 |
| Cash dividends to net income (ytd only)* | 13.8815% | 4,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6469% | 7,556 |
| Loan loss allowance to noncurrent loans | 69.3860% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 4,661 |
| Noncurrent loans to loans | 0.9324% | 4,748 |
| Net loans and leases to total assets | 93.5090% | 43 |
| Net loans and leases to deposits | 104.0088% | 1,342 |
| Net loans and leases to core deposits | 137.8120% | 1,382 |
| Total domestic deposits to total assets | 89.9049% | 684 |
| Equity capital to assets | 9.7655% | 4,336 |
| Core capital (leverage) ratio | 9.7497% | 3,712 |
| Tier 1 risk-based capital ratio | 10.7161% | 5,990 |
| Total risk-based capital ratio | 11.3843% | 6,458 |
| Memoranda: | ||
| Average total assets | $372,161,600 | 1,807 |
| Average earning assets | $352,260,400 | 1,760 |
| Average equity | $38,128,000 | 1,772 |
| Average total loans | $348,079,000 | 1,394 |