Home > Bank of Travelers Rest > Performance and Condition Ratios
Bank of Travelers Rest, 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 | 4.7311% | 3,574 |
| Cost of funding earning assets | 1.7259% | 2,663 |
| Net interest margin | 3.0052% | 3,384 |
| Noninterest income to average assets | 0.9400% | 630 |
| Noninterest expense to average assets | 2.2742% | 2,914 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 1.3695% | 1,327 |
| Return on assets (ROA) | 1.3693% | 1,321 |
| Pretax return on assets | 1.4301% | 1,666 |
| Return on Equity (ROE) | 18.7100% | 569 |
| Retained earnings to average equity (ytd only) | 11.2023% | 924 |
| Net charge-offs to loans | 0.1082% | 786 |
| Credit loss provision to net charge-offs | 112.5000% | 1,197 |
| Earnings coverage of net charge-offs (x) | 24.5517% | 1,352 |
| Efficiency ratio | 60.1427% | 2,950 |
| Assets per employee ($millions) | 9.3248% | 987 |
| Cash dividends to net income (ytd only)* | 40.1353% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 1,688 |
| Loan loss allowance to noncurrent loans | 4,130.7692% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,610 |
| Noncurrent loans to loans | 0.0316% | 3,544 |
| Net loans and leases to total assets | 55.8000% | 3,213 |
| Net loans and leases to deposits | 61.3734% | 3,419 |
| Net loans and leases to core deposits | 64.7767% | 3,509 |
| Total domestic deposits to total assets | 90.9300% | 544 |
| Equity capital to assets | 7.4622% | 3,871 |
| Core capital (leverage) ratio | 9.5461% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9936% | 1,269 |
| Memoranda: | ||
| Average total assets | $1,511,742,000 | 738 |
| Average earning assets | $1,428,330,500 | 713 |
| Average equity | $110,620,500 | 966 |
| Average total loans | $857,558,500 | 859 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 3,417 |
| Cost of funding earning assets | 1.8780% | 2,517 |
| Net interest margin | 2.9285% | 3,272 |
| Noninterest income to average assets | 0.9800% | 639 |
| Noninterest expense to average assets | 2.2854% | 2,903 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 1.3188% | 1,244 |
| Return on assets (ROA) | 1.3178% | 1,250 |
| Pretax return on assets | 1.3769% | 1,567 |
| Return on Equity (ROE) | 18.3000% | 544 |
| Retained earnings to average equity (ytd only) | 10.3955% | 517 |
| Net charge-offs to loans | 0.0811% | 1,331 |
| Credit loss provision to net charge-offs | 180.0000% | 1,224 |
| Earnings coverage of net charge-offs (x) | 31.6092% | 1,501 |
| Efficiency ratio | 61.1114% | 3,038 |
| Assets per employee ($millions) | 9.4571% | 909 |
| Cash dividends to net income (ytd only)* | 43.1840% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 1,578 |
| Loan loss allowance to noncurrent loans | 3,081.6438% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,535 |
| Noncurrent loans to loans | 0.0429% | 3,440 |
| Net loans and leases to total assets | 56.1600% | 3,258 |
| Net loans and leases to deposits | 61.5054% | 3,465 |
| Net loans and leases to core deposits | 64.9341% | 3,579 |
| Total domestic deposits to total assets | 91.3100% | 446 |
| Equity capital to assets | 7.1692% | 3,905 |
| Core capital (leverage) ratio | 9.4262% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9727% | 1,270 |
| Memoranda: | ||
| Average total assets | $1,412,761,200 | 772 |
| Average earning assets | $1,332,748,600 | 753 |
| Average equity | $101,756,000 | 1,001 |
| Average total loans | $801,690,200 | 896 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 3,438 |
| Cost of funding earning assets | 1.9010% | 2,460 |
| Net interest margin | 2.8623% | 3,349 |
| Noninterest income to average assets | 0.9900% | 606 |
| Noninterest expense to average assets | 2.3224% | 2,727 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.2317% | 1,453 |
| Return on assets (ROA) | 1.2308% | 1,460 |
| Pretax return on assets | 1.2858% | 1,805 |
| Return on Equity (ROE) | 17.0700% | 677 |
| Retained earnings to average equity (ytd only) | 10.1378% | 824 |
| Net charge-offs to loans | 0.0858% | 1,080 |
| Credit loss provision to net charge-offs | 163.3858% | 1,226 |
| Earnings coverage of net charge-offs (x) | 28.0453% | 1,570 |
| Efficiency ratio | 62.9948% | 2,810 |
| Assets per employee ($millions) | 8.5657% | 1,240 |
| Cash dividends to net income (ytd only)* | 40.6021% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,511 |
| Loan loss allowance to noncurrent loans | 3,379.2049% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,596 |
| Noncurrent loans to loans | 0.0400% | 3,519 |
| Net loans and leases to total assets | 57.0500% | 3,171 |
| Net loans and leases to deposits | 63.1109% | 3,416 |
| Net loans and leases to core deposits | 66.9529% | 3,528 |
| Total domestic deposits to total assets | 90.4000% | 491 |
| Equity capital to assets | 7.9332% | 3,752 |
| Core capital (leverage) ratio | 9.6815% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0676% | 1,280 |
| Memoranda: | ||
| Average total assets | $1,392,395,500 | 771 |
| Average earning assets | $1,312,437,750 | 757 |
| Average equity | $100,414,000 | 1,007 |
| Average total loans | $789,502,250 | 907 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7034% | 3,471 |
| Cost of funding earning assets | 1.8870% | 2,390 |
| Net interest margin | 2.8164% | 3,393 |
| Noninterest income to average assets | 0.9800% | 619 |
| Noninterest expense to average assets | 2.3332% | 2,702 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 1.1704% | 1,547 |
| Return on assets (ROA) | 1.1696% | 1,550 |
| Pretax return on assets | 1.2220% | 1,885 |
| Return on Equity (ROE) | 16.7900% | 737 |
| Retained earnings to average equity (ytd only) | 9.1720% | 1,059 |
| Net charge-offs to loans | 0.0925% | 908 |
| Credit loss provision to net charge-offs | 88.6427% | 1,590 |
| Earnings coverage of net charge-offs (x) | 24.9612% | 1,507 |
| Efficiency ratio | 64.2037% | 2,749 |
| Assets per employee ($millions) | 8.6968% | 1,113 |
| Cash dividends to net income (ytd only)* | 45.3715% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 1,588 |
| Loan loss allowance to noncurrent loans | 3,062.1777% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,564 |
| Noncurrent loans to loans | 0.0437% | 3,460 |
| Net loans and leases to total assets | 55.9800% | 3,268 |
| Net loans and leases to deposits | 61.3201% | 3,513 |
| Net loans and leases to core deposits | 64.9056% | 3,584 |
| Total domestic deposits to total assets | 91.3000% | 389 |
| Equity capital to assets | 7.0241% | 3,933 |
| Core capital (leverage) ratio | 9.4948% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9197% | 1,288 |
| Memoranda: | ||
| Average total assets | $1,385,416,333 | 780 |
| Average earning assets | $1,304,836,333 | 762 |
| Average equity | $96,511,000 | 1,030 |
| Average total loans | $780,211,000 | 912 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 3,586 |
| Cost of funding earning assets | 1.8669% | 2,327 |
| Net interest margin | 2.6971% | 3,575 |
| Noninterest income to average assets | 0.9800% | 568 |
| Noninterest expense to average assets | 2.3155% | 2,751 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 1.0826% | 1,713 |
| Return on assets (ROA) | 1.0815% | 1,716 |
| Pretax return on assets | 1.1298% | 2,062 |
| Return on Equity (ROE) | 15.5900% | 900 |
| Retained earnings to average equity (ytd only) | 9.6090% | 1,184 |
| Net charge-offs to loans | 0.0898% | 776 |
| Credit loss provision to net charge-offs | 28.9017% | 1,492 |
| Earnings coverage of net charge-offs (x) | 24.0116% | 1,259 |
| Efficiency ratio | 65.6864% | 2,625 |
| Assets per employee ($millions) | 9.1394% | 965 |
| Cash dividends to net income (ytd only)* | 38.3683% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 1,531 |
| Loan loss allowance to noncurrent loans | 2,437.9310% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 3,510 |
| Noncurrent loans to loans | 0.0558% | 3,355 |
| Net loans and leases to total assets | 55.0400% | 3,269 |
| Net loans and leases to deposits | 60.1440% | 3,505 |
| Net loans and leases to core deposits | 63.6529% | 3,612 |
| Total domestic deposits to total assets | 91.5100% | 421 |
| Equity capital to assets | 6.8358% | 3,963 |
| Core capital (leverage) ratio | 9.5726% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9534% | 1,283 |
| Memoranda: | ||
| Average total assets | $1,373,684,000 | 794 |
| Average earning assets | $1,295,172,000 | 773 |
| Average equity | $95,286,000 | 1,041 |
| Average total loans | $770,607,000 | 922 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 3,318 |
| Cost of funding earning assets | 1.4038% | 2,220 |
| Net interest margin | 2.9734% | 3,349 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 2.2983% | 2,861 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3337% | 1,361 |
| Return on assets (ROA) | 1.3275% | 1,342 |
| Pretax return on assets | 1.3742% | 1,690 |
| Return on Equity (ROE) | 20.6700% | 559 |
| Retained earnings to average equity (ytd only) | 11.1504% | 761 |
| Net charge-offs to loans | 0.0668% | 1,180 |
| Credit loss provision to net charge-offs | 96.0334% | 1,887 |
| Earnings coverage of net charge-offs (x) | 40.0146% | 1,448 |
| Efficiency ratio | 61.4168% | 2,918 |
| Assets per employee ($millions) | 8.3782% | 1,235 |
| Cash dividends to net income (ytd only)* | 46.0561% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,279 |
| Loan loss allowance to noncurrent loans | 2,679.3103% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,465 |
| Noncurrent loans to loans | 0.0533% | 3,336 |
| Net loans and leases to total assets | 55.6100% | 3,228 |
| Net loans and leases to deposits | 60.9659% | 3,474 |
| Net loans and leases to core deposits | 64.2117% | 3,579 |
| Total domestic deposits to total assets | 91.2200% | 447 |
| Equity capital to assets | 7.0417% | 3,923 |
| Core capital (leverage) ratio | 9.5664% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1056% | 1,245 |
| Memoranda: | ||
| Average total assets | $1,327,500,400 | 791 |
| Average earning assets | $1,250,567,200 | 765 |
| Average equity | $85,252,200 | 1,080 |
| Average total loans | $717,020,800 | 932 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2963% | 3,300 |
| Cost of funding earning assets | 1.2662% | 2,235 |
| Net interest margin | 3.0300% | 3,280 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.3058% | 2,777 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3788% | 1,367 |
| Return on assets (ROA) | 1.3707% | 1,363 |
| Pretax return on assets | 1.4142% | 1,748 |
| Return on Equity (ROE) | 21.8800% | 572 |
| Retained earnings to average equity (ytd only) | 11.7506% | 1,017 |
| Net charge-offs to loans | 0.0619% | 1,045 |
| Credit loss provision to net charge-offs | 57.9268% | 1,867 |
| Earnings coverage of net charge-offs (x) | 44.7470% | 1,383 |
| Efficiency ratio | 60.9051% | 2,859 |
| Assets per employee ($millions) | 8.1472% | 1,280 |
| Cash dividends to net income (ytd only)* | 46.2993% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,266 |
| Loan loss allowance to noncurrent loans | 2,758.7179% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 3,513 |
| Noncurrent loans to loans | 0.0525% | 3,378 |
| Net loans and leases to total assets | 55.5100% | 3,248 |
| Net loans and leases to deposits | 60.2561% | 3,494 |
| Net loans and leases to core deposits | 62.8980% | 3,581 |
| Total domestic deposits to total assets | 92.1200% | 431 |
| Equity capital to assets | 6.0245% | 3,978 |
| Core capital (leverage) ratio | 9.5289% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1332% | 1,286 |
| Memoranda: | ||
| Average total assets | $1,322,154,000 | 792 |
| Average earning assets | $1,244,706,000 | 769 |
| Average equity | $82,819,000 | 1,098 |
| Average total loans | $706,022,750 | 946 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 3,279 |
| Cost of funding earning assets | 1.1229% | 2,211 |
| Net interest margin | 3.0841% | 3,258 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.2890% | 2,842 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.4742% | 1,158 |
| Return on assets (ROA) | 1.4624% | 1,169 |
| Pretax return on assets | 1.4994% | 1,599 |
| Return on Equity (ROE) | 23.0500% | 487 |
| Retained earnings to average equity (ytd only) | 12.7859% | 838 |
| Net charge-offs to loans | 0.0510% | 1,002 |
| Credit loss provision to net charge-offs | -45.1977% | 4,526 |
| Earnings coverage of net charge-offs (x) | 58.1808% | 1,210 |
| Efficiency ratio | 59.5188% | 3,019 |
| Assets per employee ($millions) | 7.8420% | 1,393 |
| Cash dividends to net income (ytd only)* | 44.5363% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 1,265 |
| Loan loss allowance to noncurrent loans | 4,903.6866% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,673 |
| Noncurrent loans to loans | 0.0301% | 3,533 |
| Net loans and leases to total assets | 54.0000% | 3,272 |
| Net loans and leases to deposits | 58.9961% | 3,480 |
| Net loans and leases to core deposits | 61.4837% | 3,557 |
| Total domestic deposits to total assets | 91.5400% | 501 |
| Equity capital to assets | 6.4626% | 4,006 |
| Core capital (leverage) ratio | 9.4448% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4281% | 1,232 |
| Memoranda: | ||
| Average total assets | $1,322,921,000 | 781 |
| Average earning assets | $1,246,638,333 | 759 |
| Average equity | $83,920,333 | 1,080 |
| Average total loans | $693,560,667 | 947 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 3,395 |
| Cost of funding earning assets | 0.9501% | 2,217 |
| Net interest margin | 3.0792% | 3,397 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 2.2814% | 2,869 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.4507% | 1,285 |
| Return on assets (ROA) | 1.4284% | 1,305 |
| Pretax return on assets | 1.4951% | 1,682 |
| Return on Equity (ROE) | 22.7300% | 529 |
| Retained earnings to average equity (ytd only) | 12.6517% | 1,153 |
| Net charge-offs to loans | 0.0306% | 1,097 |
| Credit loss provision to net charge-offs | -557.6923% | 4,630 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 797 |
| Efficiency ratio | 59.6152% | 3,000 |
| Assets per employee ($millions) | 8.4425% | 1,148 |
| Cash dividends to net income (ytd only)* | 44.3388% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 1,177 |
| Loan loss allowance to noncurrent loans | 4,909.3023% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,668 |
| Noncurrent loans to loans | 0.0311% | 3,538 |
| Net loans and leases to total assets | 50.9900% | 3,420 |
| Net loans and leases to deposits | 55.4367% | 3,603 |
| Net loans and leases to core deposits | 57.2860% | 3,672 |
| Total domestic deposits to total assets | 91.9700% | 523 |
| Equity capital to assets | 6.4847% | 4,033 |
| Core capital (leverage) ratio | 9.2188% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6910% | 1,214 |
| Memoranda: | ||
| Average total assets | $1,325,649,500 | 798 |
| Average earning assets | $1,249,928,500 | 772 |
| Average equity | $83,309,000 | 1,103 |
| Average total loans | $679,290,000 | 983 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2786% | 3,644 |
| Cost of funding earning assets | 0.3319% | 2,617 |
| Net interest margin | 2.9467% | 3,579 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 2.0896% | 3,329 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5140% | 852 |
| Return on assets (ROA) | 1.5136% | 825 |
| Pretax return on assets | 1.5840% | 1,203 |
| Return on Equity (ROE) | 22.7800% | 287 |
| Retained earnings to average equity (ytd only) | 14.1866% | 367 |
| Net charge-offs to loans | 0.0685% | 964 |
| Credit loss provision to net charge-offs | 153.1323% | 1,287 |
| Earnings coverage of net charge-offs (x) | 49.8167% | 1,368 |
| Efficiency ratio | 56.1082% | 3,572 |
| Assets per employee ($millions) | 8.4448% | 1,121 |
| Cash dividends to net income (ytd only)* | 37.7245% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 916 |
| Loan loss allowance to noncurrent loans | 4,822.1239% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 3,680 |
| Noncurrent loans to loans | 0.0338% | 3,537 |
| Net loans and leases to total assets | 49.8700% | 3,512 |
| Net loans and leases to deposits | 53.7827% | 3,691 |
| Net loans and leases to core deposits | 55.5822% | 3,739 |
| Total domestic deposits to total assets | 92.7300% | 463 |
| Equity capital to assets | 6.0816% | 4,060 |
| Core capital (leverage) ratio | 8.9318% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6323% | 1,203 |
| Memoranda: | ||
| Average total assets | $1,313,495,800 | 781 |
| Average earning assets | $1,244,904,200 | 765 |
| Average equity | $87,272,600 | 1,060 |
| Average total loans | $628,945,000 | 1,003 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0492% | 3,794 |
| Cost of funding earning assets | 0.2257% | 2,980 |
| Net interest margin | 2.8235% | 3,682 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 2.0631% | 3,312 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4237% | 1,022 |
| Return on assets (ROA) | 1.4235% | 995 |
| Pretax return on assets | 1.4905% | 1,436 |
| Return on Equity (ROE) | 20.9800% | 361 |
| Retained earnings to average equity (ytd only) | 13.3134% | 563 |
| Net charge-offs to loans | 0.0538% | 945 |
| Credit loss provision to net charge-offs | 172.0000% | 1,056 |
| Earnings coverage of net charge-offs (x) | 60.4200% | 1,170 |
| Efficiency ratio | 57.3486% | 3,460 |
| Assets per employee ($millions) | 8.3767% | 1,130 |
| Cash dividends to net income (ytd only)* | 36.5375% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 928 |
| Loan loss allowance to noncurrent loans | 3,628.4281% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 3,723 |
| Noncurrent loans to loans | 0.0460% | 3,554 |
| Net loans and leases to total assets | 48.0000% | 3,629 |
| Net loans and leases to deposits | 51.6392% | 3,756 |
| Net loans and leases to core deposits | 53.4214% | 3,782 |
| Total domestic deposits to total assets | 92.9500% | 592 |
| Equity capital to assets | 5.5385% | 4,118 |
| Core capital (leverage) ratio | 8.7184% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4841% | 1,284 |
| Memoranda: | ||
| Average total assets | $1,312,524,500 | 790 |
| Average earning assets | $1,245,331,500 | 769 |
| Average equity | $89,061,250 | 1,057 |
| Average total loans | $619,200,000 | 1,010 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8610% | 3,873 |
| Cost of funding earning assets | 0.1913% | 3,030 |
| Net interest margin | 2.6697% | 3,766 |
| Noninterest income to average assets | 0.9154% | 814 |
| Noninterest expense to average assets | 2.0313% | 3,345 |
| Loan and lease loss provision to assets | 0.0429% | 1,799 |
| Net operating income to assets | 1.3132% | 1,102 |
| Return on assets (ROA) | 1.3130% | 1,083 |
| Pretax return on assets | 1.3737% | 1,512 |
| Return on Equity (ROE) | 18.2117% | 448 |
| Retained earnings to average equity (ytd only) | 11.3000% | 737 |
| Net charge-offs to loans | 0.0591% | 812 |
| Credit loss provision to net charge-offs | 155.5556% | 1,076 |
| Earnings coverage of net charge-offs (x) | 51.4056% | 1,148 |
| Efficiency ratio | 58.9084% | 3,444 |
| Assets per employee ($millions) | 8.5090% | 1,064 |
| Cash dividends to net income (ytd only)* | 37.9519% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 895 |
| Loan loss allowance to noncurrent loans | 3,085.3868% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,726 |
| Noncurrent loans to loans | 0.0563% | 3,534 |
| Net loans and leases to total assets | 45.5603% | 3,735 |
| Net loans and leases to deposits | 48.8244% | 3,875 |
| Net loans and leases to core deposits | 50.6938% | 3,897 |
| Total domestic deposits to total assets | 93.3146% | 432 |
| Equity capital to assets | 5.7175% | 4,295 |
| Core capital (leverage) ratio | 8.5630% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7962% | 1,224 |
| Memoranda: | ||
| Average total assets | $1,306,065,333 | 790 |
| Average earning assets | $1,239,085,333 | 774 |
| Average equity | $94,159,333 | 1,007 |
| Average total loans | $608,888,333 | 1,011 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7325% | 3,884 |
| Cost of funding earning assets | 0.1911% | 2,930 |
| Net interest margin | 2.5414% | 3,808 |
| Noninterest income to average assets | 0.9114% | 822 |
| Noninterest expense to average assets | 2.0041% | 3,419 |
| Loan and lease loss provision to assets | 0.0279% | 1,866 |
| Net operating income to assets | 1.2401% | 1,142 |
| Return on assets (ROA) | 1.2398% | 1,129 |
| Pretax return on assets | 1.2978% | 1,513 |
| Return on Equity (ROE) | 15.5344% | 580 |
| Retained earnings to average equity (ytd only) | 10.3019% | 950 |
| Net charge-offs to loans | 0.0232% | 1,090 |
| Credit loss provision to net charge-offs | 257.1429% | 711 |
| Earnings coverage of net charge-offs (x) | 122.2857% | 607 |
| Efficiency ratio | 60.1823% | 3,466 |
| Assets per employee ($millions) | 9.0138% | 908 |
| Cash dividends to net income (ytd only)* | 33.6832% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 973 |
| Loan loss allowance to noncurrent loans | 404.0317% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 2,428 |
| Noncurrent loans to loans | 0.4318% | 1,950 |
| Net loans and leases to total assets | 45.5809% | 3,615 |
| Net loans and leases to deposits | 49.6817% | 3,760 |
| Net loans and leases to core deposits | 51.5789% | 3,764 |
| Total domestic deposits to total assets | 91.7460% | 676 |
| Equity capital to assets | 7.1388% | 4,139 |
| Core capital (leverage) ratio | 8.7662% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8292% | 1,303 |
| Memoranda: | ||
| Average total assets | $1,291,139,000 | 807 |
| Average earning assets | $1,228,758,000 | 789 |
| Average equity | $103,048,500 | 968 |
| Average total loans | $603,624,500 | 1,015 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9226% | 4,013 |
| Cost of funding earning assets | 0.2386% | 3,055 |
| Net interest margin | 2.6839% | 3,903 |
| Noninterest income to average assets | 0.9997% | 1,006 |
| Noninterest expense to average assets | 2.1479% | 3,235 |
| Loan and lease loss provision to assets | 0.0307% | 2,442 |
| Net operating income to assets | 1.3054% | 1,581 |
| Return on assets (ROA) | 1.3068% | 1,622 |
| Pretax return on assets | 1.3683% | 2,147 |
| Return on Equity (ROE) | 14.6871% | 1,027 |
| Retained earnings to average equity (ytd only) | 9.4954% | 1,045 |
| Net charge-offs to loans | 0.0677% | 1,119 |
| Credit loss provision to net charge-offs | 92.7835% | 1,861 |
| Earnings coverage of net charge-offs (x) | 42.1701% | 1,405 |
| Efficiency ratio | 60.5820% | 3,066 |
| Assets per employee ($millions) | 8.6706% | 1,029 |
| Cash dividends to net income (ytd only)* | 35.3487% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 863 |
| Loan loss allowance to noncurrent loans | 335.7143% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 2,305 |
| Noncurrent loans to loans | 0.5363% | 1,787 |
| Net loans and leases to total assets | 46.2833% | 3,662 |
| Net loans and leases to deposits | 51.3815% | 3,774 |
| Net loans and leases to core deposits | 53.4924% | 3,796 |
| Total domestic deposits to total assets | 90.0779% | 921 |
| Equity capital to assets | 8.8690% | 3,748 |
| Core capital (leverage) ratio | 8.9464% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5052% | 1,162 |
| Memoranda: | ||
| Average total assets | $1,170,755,800 | 849 |
| Average earning assets | $1,110,493,600 | 828 |
| Average equity | $104,166,400 | 980 |
| Average total loans | $572,727,600 | 1,052 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9575% | 4,071 |
| Cost of funding earning assets | 0.2515% | 3,111 |
| Net interest margin | 2.7060% | 3,957 |
| Noninterest income to average assets | 1.0152% | 1,048 |
| Noninterest expense to average assets | 2.1639% | 3,190 |
| Loan and lease loss provision to assets | 0.0313% | 2,369 |
| Net operating income to assets | 1.3185% | 1,763 |
| Return on assets (ROA) | 1.3185% | 1,820 |
| Pretax return on assets | 1.3804% | 2,403 |
| Return on Equity (ROE) | 14.8064% | 1,185 |
| Retained earnings to average equity (ytd only) | 10.0168% | 1,307 |
| Net charge-offs to loans | 0.0528% | 1,125 |
| Credit loss provision to net charge-offs | 120.0000% | 1,466 |
| Earnings coverage of net charge-offs (x) | 54.0756% | 1,195 |
| Efficiency ratio | 60.5185% | 2,906 |
| Assets per employee ($millions) | 8.2755% | 1,142 |
| Cash dividends to net income (ytd only)* | 32.3478% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 866 |
| Loan loss allowance to noncurrent loans | 327.4695% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 2,433 |
| Noncurrent loans to loans | 0.5603% | 1,916 |
| Net loans and leases to total assets | 46.9199% | 3,721 |
| Net loans and leases to deposits | 52.3660% | 3,855 |
| Net loans and leases to core deposits | 54.6690% | 3,871 |
| Total domestic deposits to total assets | 89.6000% | 967 |
| Equity capital to assets | 9.2139% | 3,640 |
| Core capital (leverage) ratio | 9.0655% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6403% | 1,207 |
| Memoranda: | ||
| Average total assets | $1,149,134,000 | 871 |
| Average earning assets | $1,087,285,750 | 854 |
| Average equity | $102,331,750 | 1,014 |
| Average total loans | $567,768,750 | 1,082 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9522% | 4,134 |
| Cost of funding earning assets | 0.2640% | 3,151 |
| Net interest margin | 2.6883% | 4,003 |
| Noninterest income to average assets | 1.0287% | 1,027 |
| Noninterest expense to average assets | 2.1939% | 3,107 |
| Loan and lease loss provision to assets | 0.0320% | 2,343 |
| Net operating income to assets | 1.2869% | 1,901 |
| Return on assets (ROA) | 1.2873% | 1,976 |
| Pretax return on assets | 1.3476% | 2,487 |
| Return on Equity (ROE) | 14.6399% | 1,248 |
| Retained earnings to average equity (ytd only) | 10.1006% | 1,365 |
| Net charge-offs to loans | 0.0473% | 1,157 |
| Credit loss provision to net charge-offs | 135.3383% | 1,206 |
| Earnings coverage of net charge-offs (x) | 58.2782% | 982 |
| Efficiency ratio | 61.3994% | 2,813 |
| Assets per employee ($millions) | 7.7223% | 1,347 |
| Cash dividends to net income (ytd only)* | 31.0064% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 765 |
| Loan loss allowance to noncurrent loans | 311.7528% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 2,468 |
| Noncurrent loans to loans | 0.6032% | 1,898 |
| Net loans and leases to total assets | 47.4457% | 3,787 |
| Net loans and leases to deposits | 53.1314% | 3,920 |
| Net loans and leases to core deposits | 55.5373% | 3,923 |
| Total domestic deposits to total assets | 89.2988% | 1,141 |
| Equity capital to assets | 9.2800% | 3,529 |
| Core capital (leverage) ratio | 9.1137% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8362% | 1,164 |
| Memoranda: | ||
| Average total assets | $1,123,921,000 | 878 |
| Average earning assets | $1,063,814,667 | 862 |
| Average equity | $98,826,000 | 1,032 |
| Average total loans | $561,890,667 | 1,093 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9830% | 4,122 |
| Cost of funding earning assets | 0.2829% | 3,164 |
| Net interest margin | 2.7001% | 3,968 |
| Noninterest income to average assets | 1.0570% | 1,046 |
| Noninterest expense to average assets | 2.2036% | 3,104 |
| Loan and lease loss provision to assets | 0.0329% | 2,338 |
| Net operating income to assets | 1.3113% | 1,790 |
| Return on assets (ROA) | 1.3120% | 1,870 |
| Pretax return on assets | 1.3734% | 2,355 |
| Return on Equity (ROE) | 15.3805% | 1,142 |
| Retained earnings to average equity (ytd only) | 11.8908% | 1,175 |
| Net charge-offs to loans | 0.0330% | 1,154 |
| Credit loss provision to net charge-offs | 195.6522% | 893 |
| Earnings coverage of net charge-offs (x) | 83.6522% | 680 |
| Efficiency ratio | 61.0566% | 2,903 |
| Assets per employee ($millions) | 7.8686% | 1,251 |
| Cash dividends to net income (ytd only)* | 22.6893% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9220% | 712 |
| Loan loss allowance to noncurrent loans | 295.6235% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 2,551 |
| Noncurrent loans to loans | 0.6501% | 1,945 |
| Net loans and leases to total assets | 48.0352% | 3,815 |
| Net loans and leases to deposits | 53.1834% | 3,992 |
| Net loans and leases to core deposits | 55.5474% | 4,005 |
| Total domestic deposits to total assets | 90.3200% | 655 |
| Equity capital to assets | 8.1044% | 4,429 |
| Core capital (leverage) ratio | 8.4004% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4968% | 1,739 |
| Memoranda: | ||
| Average total assets | $1,095,124,500 | 891 |
| Average earning assets | $1,035,063,000 | 871 |
| Average equity | $93,417,000 | 1,063 |
| Average total loans | $557,175,500 | 1,103 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6384% | 3,723 |
| Cost of funding earning assets | 0.4351% | 3,376 |
| Net interest margin | 3.2033% | 3,353 |
| Noninterest income to average assets | 1.1374% | 831 |
| Noninterest expense to average assets | 2.4762% | 2,920 |
| Loan and lease loss provision to assets | 0.1838% | 2,115 |
| Net operating income to assets | 1.4204% | 976 |
| Return on assets (ROA) | 1.4183% | 1,063 |
| Pretax return on assets | 1.4851% | 1,386 |
| Return on Equity (ROE) | 15.1381% | 621 |
| Retained earnings to average equity (ytd only) | 10.2037% | 551 |
| Net charge-offs to loans | 0.0223% | 2,606 |
| Credit loss provision to net charge-offs | 1,412.2951% | 596 |
| Earnings coverage of net charge-offs (x) | 128.3770% | 663 |
| Efficiency ratio | 59.7067% | 3,495 |
| Assets per employee ($millions) | 7.1381% | 1,487 |
| Cash dividends to net income (ytd only)* | 32.5961% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9253% | 684 |
| Loan loss allowance to noncurrent loans | 286.9869% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 2,423 |
| Noncurrent loans to loans | 0.6709% | 2,006 |
| Net loans and leases to total assets | 51.9258% | 3,668 |
| Net loans and leases to deposits | 58.1187% | 3,886 |
| Net loans and leases to core deposits | 60.7073% | 3,902 |
| Total domestic deposits to total assets | 89.3443% | 832 |
| Equity capital to assets | 8.9933% | 4,058 |
| Core capital (leverage) ratio | 8.6906% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1597% | 1,476 |
| Memoranda: | ||
| Average total assets | $937,224,200 | 937 |
| Average earning assets | $880,659,200 | 923 |
| Average equity | $87,811,600 | 1,079 |
| Average total loans | $546,995,600 | 1,059 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7105% | 3,778 |
| Cost of funding earning assets | 0.4744% | 3,397 |
| Net interest margin | 3.2361% | 3,377 |
| Noninterest income to average assets | 1.1390% | 810 |
| Noninterest expense to average assets | 2.5296% | 2,745 |
| Loan and lease loss provision to assets | 0.2368% | 1,716 |
| Net operating income to assets | 1.3484% | 1,238 |
| Return on assets (ROA) | 1.3456% | 1,339 |
| Pretax return on assets | 1.4087% | 1,701 |
| Return on Equity (ROE) | 14.1975% | 841 |
| Retained earnings to average equity (ytd only) | 10.0261% | 757 |
| Net charge-offs to loans | 0.1006% | 1,306 |
| Credit loss provision to net charge-offs | 392.9440% | 1,480 |
| Earnings coverage of net charge-offs (x) | 27.3504% | 1,671 |
| Efficiency ratio | 60.5454% | 3,297 |
| Assets per employee ($millions) | 7.0824% | 1,445 |
| Cash dividends to net income (ytd only)* | 29.3810% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 788 |
| Loan loss allowance to noncurrent loans | 576.7077% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 3,545 |
| Noncurrent loans to loans | 0.3054% | 3,189 |
| Net loans and leases to total assets | 57.1232% | 3,509 |
| Net loans and leases to deposits | 64.0984% | 3,790 |
| Net loans and leases to core deposits | 67.0078% | 3,824 |
| Total domestic deposits to total assets | 89.1179% | 719 |
| Equity capital to assets | 9.0650% | 4,065 |
| Core capital (leverage) ratio | 8.7749% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9754% | 1,502 |
| Memoranda: | ||
| Average total assets | $909,205,000 | 945 |
| Average earning assets | $853,849,750 | 930 |
| Average equity | $86,172,750 | 1,081 |
| Average total loans | $544,856,000 | 1,055 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7912% | 3,880 |
| Cost of funding earning assets | 0.5281% | 3,361 |
| Net interest margin | 3.2631% | 3,483 |
| Noninterest income to average assets | 1.1673% | 733 |
| Noninterest expense to average assets | 2.6473% | 2,532 |
| Loan and lease loss provision to assets | 0.2762% | 1,548 |
| Net operating income to assets | 1.2459% | 1,507 |
| Return on assets (ROA) | 1.2540% | 1,601 |
| Pretax return on assets | 1.3128% | 1,987 |
| Return on Equity (ROE) | 13.0142% | 1,093 |
| Retained earnings to average equity (ytd only) | 8.8489% | 1,050 |
| Net charge-offs to loans | 0.0790% | 1,458 |
| Credit loss provision to net charge-offs | 576.6667% | 1,134 |
| Earnings coverage of net charge-offs (x) | 33.0048% | 1,367 |
| Efficiency ratio | 62.6160% | 3,023 |
| Assets per employee ($millions) | 6.7069% | 1,629 |
| Cash dividends to net income (ytd only)* | 32.0058% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7694% | 704 |
| Loan loss allowance to noncurrent loans | 517.2643% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 3,115 |
| Noncurrent loans to loans | 0.3421% | 3,171 |
| Net loans and leases to total assets | 57.6397% | 3,543 |
| Net loans and leases to deposits | 64.7140% | 3,831 |
| Net loans and leases to core deposits | 67.9153% | 3,865 |
| Total domestic deposits to total assets | 89.0684% | 718 |
| Equity capital to assets | 8.9898% | 4,099 |
| Core capital (leverage) ratio | 8.9850% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8685% | 1,527 |
| Memoranda: | ||
| Average total assets | $877,040,333 | 959 |
| Average earning assets | $822,594,333 | 948 |
| Average equity | $84,508,000 | 1,092 |
| Average total loans | $531,545,667 | 1,066 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 3,938 |
| Cost of funding earning assets | 0.6251% | 3,307 |
| Net interest margin | 3.3222% | 3,539 |
| Noninterest income to average assets | 1.2463% | 567 |
| Noninterest expense to average assets | 2.7710% | 2,512 |
| Loan and lease loss provision to assets | 0.1953% | 1,548 |
| Net operating income to assets | 1.3224% | 1,182 |
| Return on assets (ROA) | 1.3428% | 1,215 |
| Pretax return on assets | 1.4055% | 1,547 |
| Return on Equity (ROE) | 13.4090% | 804 |
| Retained earnings to average equity (ytd only) | 10.4228% | 661 |
| Net charge-offs to loans | 0.0977% | 1,096 |
| Credit loss provision to net charge-offs | 324.0000% | 1,123 |
| Earnings coverage of net charge-offs (x) | 26.2000% | 1,260 |
| Efficiency ratio | 63.6918% | 3,283 |
| Assets per employee ($millions) | 5.8473% | 1,800 |
| Cash dividends to net income (ytd only)* | 22.2701% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 696 |
| Loan loss allowance to noncurrent loans | 533.8838% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 3,170 |
| Noncurrent loans to loans | 0.3394% | 3,280 |
| Net loans and leases to total assets | 59.4980% | 3,543 |
| Net loans and leases to deposits | 67.2391% | 3,776 |
| Net loans and leases to core deposits | 71.0341% | 3,813 |
| Total domestic deposits to total assets | 88.4872% | 887 |
| Equity capital to assets | 9.9116% | 3,876 |
| Core capital (leverage) ratio | 9.9084% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7432% | 1,673 |
| Memoranda: | ||
| Average total assets | $829,308,000 | 978 |
| Average earning assets | $774,913,500 | 968 |
| Average equity | $83,049,000 | 1,104 |
| Average total loans | $511,995,500 | 1,077 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 3,749 |
| Cost of funding earning assets | 0.6985% | 3,163 |
| Net interest margin | 3.5269% | 3,354 |
| Noninterest income to average assets | 1.2634% | 590 |
| Noninterest expense to average assets | 2.8599% | 2,414 |
| Loan and lease loss provision to assets | 0.2044% | 989 |
| Net operating income to assets | 1.4303% | 1,241 |
| Return on assets (ROA) | 1.4446% | 1,271 |
| Pretax return on assets | 1.5125% | 1,769 |
| Return on Equity (ROE) | 14.6515% | 761 |
| Retained earnings to average equity (ytd only) | 9.5758% | 576 |
| Net charge-offs to loans | 0.1773% | 1,140 |
| Credit loss provision to net charge-offs | 181.6514% | 1,447 |
| Earnings coverage of net charge-offs (x) | 15.1273% | 2,247 |
| Efficiency ratio | 62.6920% | 3,265 |
| Assets per employee ($millions) | 5.4755% | 2,084 |
| Cash dividends to net income (ytd only)* | 34.6432% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 667 |
| Loan loss allowance to noncurrent loans | 620.4638% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 3,233 |
| Noncurrent loans to loans | 0.2893% | 3,398 |
| Net loans and leases to total assets | 61.8184% | 3,416 |
| Net loans and leases to deposits | 70.0980% | 3,662 |
| Net loans and leases to core deposits | 74.4013% | 3,689 |
| Total domestic deposits to total assets | 88.1885% | 1,037 |
| Equity capital to assets | 10.1231% | 3,811 |
| Core capital (leverage) ratio | 9.9366% | 3,585 |
| Tier 1 risk-based capital ratio | 14.3306% | 3,101 |
| Total risk-based capital ratio | 15.5855% | 3,009 |
| Memoranda: | ||
| Average total assets | $775,072,600 | 1,000 |
| Average earning assets | $724,854,200 | 984 |
| Average equity | $76,422,200 | 1,126 |
| Average total loans | $491,955,000 | 1,092 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 3,861 |
| Cost of funding earning assets | 0.7047% | 3,194 |
| Net interest margin | 3.5241% | 3,491 |
| Noninterest income to average assets | 1.2468% | 585 |
| Noninterest expense to average assets | 2.8894% | 2,294 |
| Loan and lease loss provision to assets | 0.2063% | 853 |
| Net operating income to assets | 1.3831% | 1,520 |
| Return on assets (ROA) | 1.3991% | 1,530 |
| Pretax return on assets | 1.4649% | 2,061 |
| Return on Equity (ROE) | 14.2896% | 929 |
| Retained earnings to average equity (ytd only) | 9.6080% | 864 |
| Net charge-offs to loans | 0.1442% | 1,124 |
| Credit loss provision to net charge-offs | 225.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 18.0417% | 2,070 |
| Efficiency ratio | 63.5870% | 3,082 |
| Assets per employee ($millions) | 5.3052% | 2,215 |
| Cash dividends to net income (ytd only)* | 32.7623% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 660 |
| Loan loss allowance to noncurrent loans | 529.1984% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 3,198 |
| Noncurrent loans to loans | 0.3423% | 3,309 |
| Net loans and leases to total assets | 61.6008% | 3,536 |
| Net loans and leases to deposits | 69.6316% | 3,789 |
| Net loans and leases to core deposits | 73.9516% | 3,835 |
| Total domestic deposits to total assets | 88.4668% | 843 |
| Equity capital to assets | 9.9685% | 4,048 |
| Core capital (leverage) ratio | 9.9290% | 3,709 |
| Tier 1 risk-based capital ratio | 14.2175% | 3,212 |
| Total risk-based capital ratio | 15.4725% | 3,116 |
| Memoranda: | ||
| Average total assets | $767,615,000 | 1,008 |
| Average earning assets | $718,205,250 | 992 |
| Average equity | $75,157,500 | 1,144 |
| Average total loans | $488,275,250 | 1,102 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2310% | 3,844 |
| Cost of funding earning assets | 0.6874% | 3,235 |
| Net interest margin | 3.5437% | 3,454 |
| Noninterest income to average assets | 1.2342% | 566 |
| Noninterest expense to average assets | 2.9340% | 2,184 |
| Loan and lease loss provision to assets | 0.2089% | 810 |
| Net operating income to assets | 1.3437% | 1,605 |
| Return on assets (ROA) | 1.3450% | 1,663 |
| Pretax return on assets | 1.4080% | 2,181 |
| Return on Equity (ROE) | 13.8245% | 1,018 |
| Retained earnings to average equity (ytd only) | 8.4617% | 1,220 |
| Net charge-offs to loans | 0.0842% | 1,519 |
| Credit loss provision to net charge-offs | 388.2353% | 736 |
| Earnings coverage of net charge-offs (x) | 30.0245% | 1,456 |
| Efficiency ratio | 64.4886% | 3,055 |
| Assets per employee ($millions) | 5.2511% | 2,201 |
| Cash dividends to net income (ytd only)* | 38.7919% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 663 |
| Loan loss allowance to noncurrent loans | 368.1576% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 2,782 |
| Noncurrent loans to loans | 0.4927% | 2,804 |
| Net loans and leases to total assets | 62.0689% | 3,539 |
| Net loans and leases to deposits | 70.0546% | 3,836 |
| Net loans and leases to core deposits | 74.0888% | 3,886 |
| Total domestic deposits to total assets | 88.6007% | 826 |
| Equity capital to assets | 9.8443% | 4,101 |
| Core capital (leverage) ratio | 9.8038% | 3,824 |
| Tier 1 risk-based capital ratio | 14.1945% | 3,217 |
| Total risk-based capital ratio | 15.4500% | 3,128 |
| Memoranda: | ||
| Average total assets | $758,224,330 | 1,019 |
| Average earning assets | $709,376,670 | 1,003 |
| Average equity | $73,767,330 | 1,159 |
| Average total loans | $484,615,330 | 1,113 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 3,856 |
| Cost of funding earning assets | 0.6600% | 3,264 |
| Net interest margin | 3.5416% | 3,455 |
| Noninterest income to average assets | 1.2153% | 551 |
| Noninterest expense to average assets | 3.0081% | 1,973 |
| Loan and lease loss provision to assets | 0.2123% | 735 |
| Net operating income to assets | 1.2476% | 1,901 |
| Return on assets (ROA) | 1.2496% | 1,937 |
| Pretax return on assets | 1.3081% | 2,423 |
| Return on Equity (ROE) | 12.9250% | 1,243 |
| Retained earnings to average equity (ytd only) | 8.8163% | 1,381 |
| Net charge-offs to loans | 0.0617% | 1,423 |
| Credit loss provision to net charge-offs | 535.1351% | 590 |
| Earnings coverage of net charge-offs (x) | 38.2703% | 1,177 |
| Efficiency ratio | 66.4574% | 2,872 |
| Assets per employee ($millions) | 5.1810% | 2,302 |
| Cash dividends to net income (ytd only)* | 31.7889% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8059% | 704 |
| Loan loss allowance to noncurrent loans | 434.8651% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 3,030 |
| Noncurrent loans to loans | 0.4153% | 3,100 |
| Net loans and leases to total assets | 62.1541% | 3,487 |
| Net loans and leases to deposits | 69.9550% | 3,766 |
| Net loans and leases to core deposits | 73.9178% | 3,800 |
| Total domestic deposits to total assets | 88.8488% | 936 |
| Equity capital to assets | 9.6830% | 4,105 |
| Core capital (leverage) ratio | 9.9113% | 3,696 |
| Tier 1 risk-based capital ratio | 14.2139% | 3,238 |
| Total risk-based capital ratio | 15.4692% | 3,160 |
| Memoranda: | ||
| Average total assets | $746,129,000 | 1,033 |
| Average earning assets | $697,535,000 | 1,016 |
| Average equity | $72,139,500 | 1,180 |
| Average total loans | $479,619,000 | 1,125 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 3,977 |
| Cost of funding earning assets | 0.4845% | 3,448 |
| Net interest margin | 3.5318% | 3,596 |
| Noninterest income to average assets | 1.2520% | 596 |
| Noninterest expense to average assets | 2.9853% | 2,082 |
| Loan and lease loss provision to assets | 0.1893% | 1,011 |
| Net operating income to assets | 1.3165% | 1,739 |
| Return on assets (ROA) | 1.3170% | 1,720 |
| Pretax return on assets | 1.3790% | 2,209 |
| Return on Equity (ROE) | 14.1081% | 1,022 |
| Retained earnings to average equity (ytd only) | 9.8051% | 652 |
| Net charge-offs to loans | 0.2041% | 937 |
| Credit loss provision to net charge-offs | 149.3450% | 1,841 |
| Earnings coverage of net charge-offs (x) | 12.3690% | 2,536 |
| Efficiency ratio | 65.5675% | 2,938 |
| Assets per employee ($millions) | 4.9368% | 2,577 |
| Cash dividends to net income (ytd only)* | 30.5001% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 742 |
| Loan loss allowance to noncurrent loans | 388.1481% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 2,861 |
| Noncurrent loans to loans | 0.4527% | 2,915 |
| Net loans and leases to total assets | 64.1589% | 3,342 |
| Net loans and leases to deposits | 72.2673% | 3,649 |
| Net loans and leases to core deposits | 76.3680% | 3,688 |
| Total domestic deposits to total assets | 88.7801% | 954 |
| Equity capital to assets | 9.6533% | 4,004 |
| Core capital (leverage) ratio | 9.8639% | 3,729 |
| Tier 1 risk-based capital ratio | 14.1884% | 3,208 |
| Total risk-based capital ratio | 15.4434% | 3,134 |
| Memoranda: | ||
| Average total assets | $722,707,800 | 1,028 |
| Average earning assets | $675,485,600 | 1,020 |
| Average equity | $67,464,800 | 1,197 |
| Average total loans | $448,857,800 | 1,145 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 4,118 |
| Cost of funding earning assets | 0.4413% | 3,590 |
| Net interest margin | 3.4952% | 3,712 |
| Noninterest income to average assets | 1.2520% | 615 |
| Noninterest expense to average assets | 2.9906% | 2,041 |
| Loan and lease loss provision to assets | 0.1898% | 943 |
| Net operating income to assets | 1.2798% | 1,930 |
| Return on assets (ROA) | 1.2803% | 1,926 |
| Pretax return on assets | 1.3408% | 2,464 |
| Return on Equity (ROE) | 13.8352% | 1,165 |
| Retained earnings to average equity (ytd only) | 9.9671% | 937 |
| Net charge-offs to loans | 0.1856% | 904 |
| Credit loss provision to net charge-offs | 166.8293% | 1,590 |
| Earnings coverage of net charge-offs (x) | 13.4488% | 2,358 |
| Efficiency ratio | 66.1538% | 2,846 |
| Assets per employee ($millions) | 5.0399% | 2,423 |
| Cash dividends to net income (ytd only)* | 27.9584% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8391% | 667 |
| Loan loss allowance to noncurrent loans | 347.1910% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 2,841 |
| Noncurrent loans to loans | 0.5297% | 2,792 |
| Net loans and leases to total assets | 61.3576% | 3,713 |
| Net loans and leases to deposits | 68.7785% | 4,003 |
| Net loans and leases to core deposits | 72.6027% | 4,035 |
| Total domestic deposits to total assets | 89.2104% | 770 |
| Equity capital to assets | 9.3820% | 4,200 |
| Core capital (leverage) ratio | 9.7405% | 3,911 |
| Tier 1 risk-based capital ratio | 14.4156% | 3,160 |
| Total risk-based capital ratio | 15.6713% | 3,077 |
| Memoranda: | ||
| Average total assets | $720,722,750 | 1,031 |
| Average earning assets | $674,016,750 | 1,025 |
| Average equity | $66,698,000 | 1,206 |
| Average total loans | $441,782,250 | 1,159 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8744% | 4,142 |
| Cost of funding earning assets | 0.4070% | 3,671 |
| Net interest margin | 3.4674% | 3,740 |
| Noninterest income to average assets | 1.2514% | 616 |
| Noninterest expense to average assets | 2.9775% | 2,108 |
| Loan and lease loss provision to assets | 0.1903% | 916 |
| Net operating income to assets | 1.2708% | 1,893 |
| Return on assets (ROA) | 1.2706% | 1,897 |
| Pretax return on assets | 1.3298% | 2,395 |
| Return on Equity (ROE) | 13.7935% | 1,131 |
| Retained earnings to average equity (ytd only) | 9.5660% | 1,047 |
| Net charge-offs to loans | 0.1900% | 821 |
| Credit loss provision to net charge-offs | 164.4231% | 1,487 |
| Earnings coverage of net charge-offs (x) | 13.1394% | 2,162 |
| Efficiency ratio | 66.1988% | 2,937 |
| Assets per employee ($millions) | 4.9394% | 2,494 |
| Cash dividends to net income (ytd only)* | 30.6480% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 712 |
| Loan loss allowance to noncurrent loans | 240.3694% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 2,699 |
| Noncurrent loans to loans | 0.7620% | 2,215 |
| Net loans and leases to total assets | 60.1153% | 3,794 |
| Net loans and leases to deposits | 67.0926% | 4,093 |
| Net loans and leases to core deposits | 70.8421% | 4,094 |
| Total domestic deposits to total assets | 89.6006% | 707 |
| Equity capital to assets | 9.1665% | 4,416 |
| Core capital (leverage) ratio | 9.5121% | 4,104 |
| Tier 1 risk-based capital ratio | 14.1190% | 3,304 |
| Total risk-based capital ratio | 15.3745% | 3,219 |
| Memoranda: | ||
| Average total assets | $719,049,000 | 1,039 |
| Average earning assets | $673,245,670 | 1,031 |
| Average equity | $66,234,330 | 1,215 |
| Average total loans | $437,829,000 | 1,169 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 4,285 |
| Cost of funding earning assets | 0.3822% | 3,718 |
| Net interest margin | 3.3956% | 3,900 |
| Noninterest income to average assets | 1.1831% | 657 |
| Noninterest expense to average assets | 2.9989% | 2,064 |
| Loan and lease loss provision to assets | 0.1919% | 876 |
| Net operating income to assets | 1.1147% | 2,358 |
| Return on assets (ROA) | 1.1152% | 2,375 |
| Pretax return on assets | 1.1674% | 2,899 |
| Return on Equity (ROE) | 12.0766% | 1,557 |
| Retained earnings to average equity (ytd only) | 9.9140% | 1,188 |
| Net charge-offs to loans | 0.3105% | 488 |
| Credit loss provision to net charge-offs | 101.7857% | 1,522 |
| Earnings coverage of net charge-offs (x) | 7.2083% | 2,108 |
| Efficiency ratio | 68.8208% | 2,695 |
| Assets per employee ($millions) | 4.9129% | 2,589 |
| Cash dividends to net income (ytd only)* | 17.9074% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 759 |
| Loan loss allowance to noncurrent loans | 203.8788% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 2,546 |
| Noncurrent loans to loans | 0.8913% | 2,045 |
| Net loans and leases to total assets | 59.7838% | 3,769 |
| Net loans and leases to deposits | 66.9100% | 4,025 |
| Net loans and leases to core deposits | 70.6770% | 4,049 |
| Total domestic deposits to total assets | 89.3495% | 940 |
| Equity capital to assets | 9.1855% | 4,379 |
| Core capital (leverage) ratio | 9.4604% | 4,106 |
| Tier 1 risk-based capital ratio | 14.3271% | 3,215 |
| Total risk-based capital ratio | 15.5826% | 3,126 |
| Memoranda: | ||
| Average total assets | $713,057,000 | 1,052 |
| Average earning assets | $666,629,000 | 1,047 |
| Average equity | $65,846,500 | 1,227 |
| Average total loans | $432,912,500 | 1,186 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 4,098 |
| Cost of funding earning assets | 0.3545% | 3,667 |
| Net interest margin | 3.4297% | 3,755 |
| Noninterest income to average assets | 1.1972% | 726 |
| Noninterest expense to average assets | 2.9140% | 2,404 |
| Loan and lease loss provision to assets | 0.1248% | 1,830 |
| Net operating income to assets | 1.2873% | 1,257 |
| Return on assets (ROA) | 1.2892% | 1,275 |
| Pretax return on assets | 1.3498% | 2,171 |
| Return on Equity (ROE) | 13.8345% | 783 |
| Retained earnings to average equity (ytd only) | 9.2583% | 464 |
| Net charge-offs to loans | 0.1589% | 1,533 |
| Credit loss provision to net charge-offs | 130.1075% | 2,021 |
| Earnings coverage of net charge-offs (x) | 15.3579% | 2,252 |
| Efficiency ratio | 66.4283% | 3,184 |
| Assets per employee ($millions) | 4.8550% | 2,669 |
| Cash dividends to net income (ytd only)* | 33.0782% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8484% | 711 |
| Loan loss allowance to noncurrent loans | 330.1832% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 3,301 |
| Noncurrent loans to loans | 0.5598% | 2,818 |
| Net loans and leases to total assets | 59.4130% | 3,889 |
| Net loans and leases to deposits | 66.4803% | 4,146 |
| Net loans and leases to core deposits | 70.2394% | 4,162 |
| Total domestic deposits to total assets | 89.3694% | 841 |
| Equity capital to assets | 9.2839% | 4,445 |
| Core capital (leverage) ratio | 9.3521% | 4,227 |
| Tier 1 risk-based capital ratio | 14.4223% | 3,127 |
| Total risk-based capital ratio | 15.6784% | 3,037 |
| Memoranda: | ||
| Average total assets | $678,894,600 | 1,071 |
| Average earning assets | $631,331,400 | 1,070 |
| Average equity | $63,262,000 | 1,252 |
| Average total loans | $409,801,200 | 1,210 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 4,071 |
| Cost of funding earning assets | 0.3487% | 3,683 |
| Net interest margin | 3.4309% | 3,737 |
| Noninterest income to average assets | 1.2042% | 720 |
| Noninterest expense to average assets | 2.9378% | 2,288 |
| Loan and lease loss provision to assets | 0.1120% | 1,916 |
| Net operating income to assets | 1.2829% | 1,398 |
| Return on assets (ROA) | 1.2850% | 1,412 |
| Pretax return on assets | 1.3456% | 2,307 |
| Return on Equity (ROE) | 13.7767% | 877 |
| Retained earnings to average equity (ytd only) | 8.9205% | 870 |
| Net charge-offs to loans | 0.0951% | 1,839 |
| Credit loss provision to net charge-offs | 195.1557% | 1,368 |
| Earnings coverage of net charge-offs (x) | 25.3601% | 1,729 |
| Efficiency ratio | 66.8716% | 3,066 |
| Assets per employee ($millions) | 4.8417% | 2,643 |
| Cash dividends to net income (ytd only)* | 35.2496% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9225% | 670 |
| Loan loss allowance to noncurrent loans | 273.0992% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 3,338 |
| Noncurrent loans to loans | 0.7040% | 2,596 |
| Net loans and leases to total assets | 58.6093% | 4,008 |
| Net loans and leases to deposits | 65.6686% | 4,276 |
| Net loans and leases to core deposits | 69.3774% | 4,279 |
| Total domestic deposits to total assets | 89.2501% | 764 |
| Equity capital to assets | 9.3899% | 4,555 |
| Core capital (leverage) ratio | 9.3266% | 4,374 |
| Tier 1 risk-based capital ratio | 14.2843% | 3,310 |
| Total risk-based capital ratio | 15.5410% | 3,207 |
| Memoranda: | ||
| Average total assets | $671,410,500 | 1,094 |
| Average earning assets | $624,070,000 | 1,087 |
| Average equity | $62,625,750 | 1,269 |
| Average total loans | $404,984,250 | 1,228 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 4,103 |
| Cost of funding earning assets | 0.3443% | 3,641 |
| Net interest margin | 3.3960% | 3,787 |
| Noninterest income to average assets | 1.1735% | 736 |
| Noninterest expense to average assets | 2.9296% | 2,326 |
| Loan and lease loss provision to assets | 0.1135% | 1,805 |
| Net operating income to assets | 1.2219% | 1,529 |
| Return on assets (ROA) | 1.2248% | 1,559 |
| Pretax return on assets | 1.2824% | 2,454 |
| Return on Equity (ROE) | 13.1618% | 997 |
| Retained earnings to average equity (ytd only) | 8.1811% | 1,090 |
| Net charge-offs to loans | 0.0992% | 1,631 |
| Credit loss provision to net charge-offs | 188.9447% | 1,326 |
| Earnings coverage of net charge-offs (x) | 23.1960% | 1,685 |
| Efficiency ratio | 67.7766% | 3,055 |
| Assets per employee ($millions) | 4.8835% | 2,534 |
| Cash dividends to net income (ytd only)* | 37.8418% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9227% | 692 |
| Loan loss allowance to noncurrent loans | 215.1754% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 2,403 |
| Noncurrent loans to loans | 0.8936% | 2,189 |
| Net loans and leases to total assets | 58.1981% | 4,006 |
| Net loans and leases to deposits | 65.5498% | 4,256 |
| Net loans and leases to core deposits | 69.1657% | 4,284 |
| Total domestic deposits to total assets | 88.7846% | 1,064 |
| Equity capital to assets | 9.2188% | 4,707 |
| Core capital (leverage) ratio | 9.3042% | 4,363 |
| Tier 1 risk-based capital ratio | 14.0736% | 3,392 |
| Total risk-based capital ratio | 15.3303% | 3,305 |
| Memoranda: | ||
| Average total assets | $662,811,670 | 1,106 |
| Average earning assets | $614,599,000 | 1,105 |
| Average equity | $61,678,670 | 1,288 |
| Average total loans | $401,099,670 | 1,242 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7314% | 3,996 |
| Cost of funding earning assets | 0.3316% | 3,735 |
| Net interest margin | 3.3997% | 3,654 |
| Noninterest income to average assets | 1.1645% | 746 |
| Noninterest expense to average assets | 3.0172% | 2,122 |
| Loan and lease loss provision to assets | 0.1161% | 1,652 |
| Net operating income to assets | 1.1256% | 1,772 |
| Return on assets (ROA) | 1.1268% | 1,800 |
| Pretax return on assets | 1.1799% | 2,680 |
| Return on Equity (ROE) | 12.0488% | 1,223 |
| Retained earnings to average equity (ytd only) | 8.6073% | 1,232 |
| Net charge-offs to loans | 0.0677% | 1,652 |
| Credit loss provision to net charge-offs | 280.5970% | 824 |
| Earnings coverage of net charge-offs (x) | 31.2836% | 1,193 |
| Efficiency ratio | 69.9713% | 2,898 |
| Assets per employee ($millions) | 4.8201% | 2,667 |
| Cash dividends to net income (ytd only)* | 28.5636% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 705 |
| Loan loss allowance to noncurrent loans | 255.8124% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6668% | 2,631 |
| Noncurrent loans to loans | 0.7710% | 2,541 |
| Net loans and leases to total assets | 59.1282% | 3,871 |
| Net loans and leases to deposits | 66.6615% | 4,119 |
| Net loans and leases to core deposits | 70.5242% | 4,108 |
| Total domestic deposits to total assets | 88.6991% | 1,319 |
| Equity capital to assets | 9.3168% | 4,490 |
| Core capital (leverage) ratio | 9.5259% | 4,093 |
| Tier 1 risk-based capital ratio | 14.3991% | 3,257 |
| Total risk-based capital ratio | 15.6566% | 3,180 |
| Memoranda: | ||
| Average total assets | $647,485,500 | 1,129 |
| Average earning assets | $599,461,000 | 1,130 |
| Average equity | $60,553,500 | 1,308 |
| Average total loans | $395,902,000 | 1,251 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 3,943 |
| Cost of funding earning assets | 0.3186% | 3,859 |
| Net interest margin | 3.4712% | 3,540 |
| Noninterest income to average assets | 1.1602% | 846 |
| Noninterest expense to average assets | 3.0544% | 2,164 |
| Loan and lease loss provision to assets | 0.1335% | 1,870 |
| Net operating income to assets | 1.1305% | 1,773 |
| Return on assets (ROA) | 1.1314% | 1,861 |
| Pretax return on assets | 1.1847% | 2,742 |
| Return on Equity (ROE) | 11.7001% | 1,340 |
| Retained earnings to average equity (ytd only) | 8.0947% | 827 |
| Net charge-offs to loans | 0.0763% | 2,609 |
| Credit loss provision to net charge-offs | 285.4671% | 1,022 |
| Earnings coverage of net charge-offs (x) | 28.1592% | 1,483 |
| Efficiency ratio | 69.8682% | 2,924 |
| Assets per employee ($millions) | 4.5330% | 3,069 |
| Cash dividends to net income (ytd only)* | 30.8155% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9657% | 703 |
| Loan loss allowance to noncurrent loans | 431.8816% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 3,145 |
| Noncurrent loans to loans | 0.4552% | 3,521 |
| Net loans and leases to total assets | 60.7859% | 3,765 |
| Net loans and leases to deposits | 68.6350% | 4,036 |
| Net loans and leases to core deposits | 72.7432% | 4,035 |
| Total domestic deposits to total assets | 88.5640% | 1,347 |
| Equity capital to assets | 9.3888% | 4,380 |
| Core capital (leverage) ratio | 9.4522% | 4,152 |
| Tier 1 risk-based capital ratio | 14.3420% | 3,258 |
| Total risk-based capital ratio | 15.5996% | 3,188 |
| Memoranda: | ||
| Average total assets | $617,801,200 | 1,134 |
| Average earning assets | $571,562,800 | 1,134 |
| Average equity | $59,743,000 | 1,295 |
| Average total loans | $378,918,600 | 1,251 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 4,022 |
| Cost of funding earning assets | 0.3182% | 3,892 |
| Net interest margin | 3.4513% | 3,662 |
| Noninterest income to average assets | 1.1764% | 833 |
| Noninterest expense to average assets | 3.0986% | 2,030 |
| Loan and lease loss provision to assets | 0.1397% | 1,679 |
| Net operating income to assets | 1.0811% | 2,079 |
| Return on assets (ROA) | 1.0821% | 2,178 |
| Pretax return on assets | 1.1330% | 3,104 |
| Return on Equity (ROE) | 11.1066% | 1,634 |
| Retained earnings to average equity (ytd only) | 8.0534% | 1,149 |
| Net charge-offs to loans | 0.1073% | 1,872 |
| Credit loss provision to net charge-offs | 212.9139% | 1,376 |
| Earnings coverage of net charge-offs (x) | 19.3773% | 1,937 |
| Efficiency ratio | 70.9029% | 2,760 |
| Assets per employee ($millions) | 4.8561% | 2,555 |
| Cash dividends to net income (ytd only)* | 27.4900% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9295% | 818 |
| Loan loss allowance to noncurrent loans | 411.9672% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5798% | 3,164 |
| Noncurrent loans to loans | 0.4684% | 3,609 |
| Net loans and leases to total assets | 60.6974% | 3,783 |
| Net loans and leases to deposits | 68.8655% | 4,080 |
| Net loans and leases to core deposits | 72.9964% | 4,087 |
| Total domestic deposits to total assets | 88.1391% | 1,334 |
| Equity capital to assets | 9.8269% | 4,328 |
| Core capital (leverage) ratio | 9.3575% | 4,385 |
| Tier 1 risk-based capital ratio | 14.0611% | 3,527 |
| Total risk-based capital ratio | 15.3180% | 3,445 |
| Memoranda: | ||
| Average total assets | $613,597,500 | 1,147 |
| Average earning assets | $567,810,000 | 1,139 |
| Average equity | $59,783,000 | 1,303 |
| Average total loans | $375,275,250 | 1,253 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 4,146 |
| Cost of funding earning assets | 0.3154% | 3,958 |
| Net interest margin | 3.4280% | 3,765 |
| Noninterest income to average assets | 1.2032% | 781 |
| Noninterest expense to average assets | 3.1851% | 1,848 |
| Loan and lease loss provision to assets | 0.1201% | 1,896 |
| Net operating income to assets | 1.0229% | 2,282 |
| Return on assets (ROA) | 1.0239% | 2,418 |
| Pretax return on assets | 1.0719% | 3,317 |
| Return on Equity (ROE) | 10.5401% | 1,833 |
| Retained earnings to average equity (ytd only) | 6.9014% | 1,658 |
| Net charge-offs to loans | 0.0875% | 1,969 |
| Credit loss provision to net charge-offs | 225.3086% | 1,194 |
| Earnings coverage of net charge-offs (x) | 22.3395% | 1,632 |
| Efficiency ratio | 72.7833% | 2,551 |
| Assets per employee ($millions) | 4.7445% | 2,640 |
| Cash dividends to net income (ytd only)* | 34.5227% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 796 |
| Loan loss allowance to noncurrent loans | 353.5339% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 3,125 |
| Noncurrent loans to loans | 0.5556% | 3,399 |
| Net loans and leases to total assets | 59.0000% | 4,013 |
| Net loans and leases to deposits | 66.9814% | 4,269 |
| Net loans and leases to core deposits | 71.1296% | 4,241 |
| Total domestic deposits to total assets | 88.0842% | 1,387 |
| Equity capital to assets | 9.7203% | 4,539 |
| Core capital (leverage) ratio | 9.2309% | 4,545 |
| Tier 1 risk-based capital ratio | 14.0344% | 3,589 |
| Total risk-based capital ratio | 15.2914% | 3,502 |
| Memoranda: | ||
| Average total assets | $607,697,000 | 1,165 |
| Average earning assets | $562,481,000 | 1,159 |
| Average equity | $59,031,670 | 1,317 |
| Average total loans | $370,126,670 | 1,266 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7010% | 4,322 |
| Cost of funding earning assets | 0.3135% | 4,021 |
| Net interest margin | 3.3875% | 3,913 |
| Noninterest income to average assets | 1.1798% | 789 |
| Noninterest expense to average assets | 3.2426% | 1,734 |
| Loan and lease loss provision to assets | 0.1858% | 1,068 |
| Net operating income to assets | 0.8536% | 2,977 |
| Return on assets (ROA) | 0.8549% | 3,093 |
| Pretax return on assets | 0.8950% | 3,862 |
| Return on Equity (ROE) | 8.8040% | 2,517 |
| Retained earnings to average equity (ytd only) | 6.8766% | 1,949 |
| Net charge-offs to loans | 0.0785% | 1,700 |
| Credit loss provision to net charge-offs | 386.1111% | 727 |
| Earnings coverage of net charge-offs (x) | 22.4306% | 1,403 |
| Efficiency ratio | 75.0232% | 2,327 |
| Assets per employee ($millions) | 4.6991% | 2,743 |
| Cash dividends to net income (ytd only)* | 21.8921% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0125% | 804 |
| Loan loss allowance to noncurrent loans | 453.4599% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 3,363 |
| Noncurrent loans to loans | 0.4438% | 3,846 |
| Net loans and leases to total assets | 58.1254% | 4,031 |
| Net loans and leases to deposits | 66.0127% | 4,253 |
| Net loans and leases to core deposits | 70.0479% | 4,242 |
| Total domestic deposits to total assets | 88.0518% | 1,610 |
| Equity capital to assets | 9.4875% | 4,677 |
| Core capital (leverage) ratio | 9.5128% | 4,174 |
| Tier 1 risk-based capital ratio | 14.2644% | 3,521 |
| Total risk-based capital ratio | 15.5224% | 3,443 |
| Memoranda: | ||
| Average total assets | $598,411,000 | 1,181 |
| Average earning assets | $555,100,000 | 1,169 |
| Average equity | $58,110,000 | 1,330 |
| Average total loans | $366,739,000 | 1,278 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 3,754 |
| Cost of funding earning assets | 0.3211% | 4,014 |
| Net interest margin | 3.5659% | 3,256 |
| Noninterest income to average assets | 1.2581% | 758 |
| Noninterest expense to average assets | 3.1553% | 2,075 |
| Loan and lease loss provision to assets | 0.2057% | 1,034 |
| Net operating income to assets | 1.1511% | 1,728 |
| Return on assets (ROA) | 1.2041% | 1,603 |
| Pretax return on assets | 1.2547% | 2,455 |
| Return on Equity (ROE) | 12.1556% | 1,263 |
| Retained earnings to average equity (ytd only) | 7.6485% | 1,044 |
| Net charge-offs to loans | 0.1771% | 1,620 |
| Credit loss provision to net charge-offs | 186.7863% | 1,474 |
| Earnings coverage of net charge-offs (x) | 12.7602% | 2,433 |
| Efficiency ratio | 69.1865% | 3,368 |
| Assets per employee ($millions) | 4.2393% | 3,506 |
| Cash dividends to net income (ytd only)* | 37.0785% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 842 |
| Loan loss allowance to noncurrent loans | 425.2215% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7267% | 2,881 |
| Noncurrent loans to loans | 0.4632% | 3,808 |
| Net loans and leases to total assets | 62.1523% | 3,539 |
| Net loans and leases to deposits | 71.3315% | 3,779 |
| Net loans and leases to core deposits | 76.2080% | 3,737 |
| Total domestic deposits to total assets | 87.1316% | 2,060 |
| Equity capital to assets | 9.9509% | 4,018 |
| Core capital (leverage) ratio | 9.6195% | 4,023 |
| Tier 1 risk-based capital ratio | 14.1651% | 3,627 |
| Total risk-based capital ratio | 15.4226% | 3,536 |
| Memoranda: | ||
| Average total assets | $556,617,000 | 1,222 |
| Average earning assets | $515,494,000 | 1,216 |
| Average equity | $55,135,000 | 1,356 |
| Average total loans | $346,086,800 | 1,302 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 3,872 |
| Cost of funding earning assets | 0.3217% | 4,083 |
| Net interest margin | 3.5445% | 3,365 |
| Noninterest income to average assets | 1.2694% | 748 |
| Noninterest expense to average assets | 3.1622% | 2,059 |
| Loan and lease loss provision to assets | 0.2383% | 744 |
| Net operating income to assets | 1.0950% | 2,030 |
| Return on assets (ROA) | 1.1565% | 1,881 |
| Pretax return on assets | 1.2109% | 2,778 |
| Return on Equity (ROE) | 11.6898% | 1,466 |
| Retained earnings to average equity (ytd only) | 8.1768% | 1,180 |
| Net charge-offs to loans | 0.2860% | 930 |
| Credit loss provision to net charge-offs | 134.6995% | 1,827 |
| Earnings coverage of net charge-offs (x) | 7.8292% | 2,876 |
| Efficiency ratio | 69.5386% | 3,284 |
| Assets per employee ($millions) | 4.2394% | 3,444 |
| Cash dividends to net income (ytd only)* | 30.0523% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 954 |
| Loan loss allowance to noncurrent loans | 196.5361% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 2,322 |
| Noncurrent loans to loans | 1.0041% | 2,472 |
| Net loans and leases to total assets | 60.5288% | 3,805 |
| Net loans and leases to deposits | 69.3230% | 4,058 |
| Net loans and leases to core deposits | 74.0515% | 4,013 |
| Total domestic deposits to total assets | 87.3142% | 1,887 |
| Equity capital to assets | 9.8651% | 4,320 |
| Core capital (leverage) ratio | 9.6346% | 4,130 |
| Tier 1 risk-based capital ratio | 14.4913% | 3,579 |
| Total risk-based capital ratio | 15.7489% | 3,487 |
| Memoranda: | ||
| Average total assets | $551,635,750 | 1,239 |
| Average earning assets | $510,149,000 | 1,236 |
| Average equity | $54,576,000 | 1,378 |
| Average total loans | $341,225,250 | 1,319 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 3,851 |
| Cost of funding earning assets | 0.3209% | 4,144 |
| Net interest margin | 3.5329% | 3,366 |
| Noninterest income to average assets | 1.2828% | 746 |
| Noninterest expense to average assets | 3.1691% | 2,067 |
| Loan and lease loss provision to assets | 0.2666% | 623 |
| Net operating income to assets | 1.0625% | 2,090 |
| Return on assets (ROA) | 1.1554% | 1,826 |
| Pretax return on assets | 1.2092% | 2,736 |
| Return on Equity (ROE) | 11.6663% | 1,482 |
| Retained earnings to average equity (ytd only) | 7.8133% | 1,339 |
| Net charge-offs to loans | 0.3041% | 872 |
| Credit loss provision to net charge-offs | 141.6342% | 1,589 |
| Earnings coverage of net charge-offs (x) | 7.3268% | 2,681 |
| Efficiency ratio | 69.6779% | 3,391 |
| Assets per employee ($millions) | 4.1633% | 3,542 |
| Cash dividends to net income (ytd only)* | 33.0269% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0231% | 951 |
| Loan loss allowance to noncurrent loans | 181.5088% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 1.1868% | 2,138 |
| Noncurrent loans to loans | 1.1146% | 2,426 |
| Net loans and leases to total assets | 59.7327% | 3,875 |
| Net loans and leases to deposits | 68.3366% | 4,106 |
| Net loans and leases to core deposits | 73.3594% | 4,011 |
| Total domestic deposits to total assets | 87.4095% | 1,955 |
| Equity capital to assets | 9.7132% | 4,385 |
| Core capital (leverage) ratio | 9.5482% | 4,212 |
| Tier 1 risk-based capital ratio | 14.7545% | 3,502 |
| Total risk-based capital ratio | 16.0129% | 3,425 |
| Memoranda: | ||
| Average total assets | $546,153,670 | 1,253 |
| Average earning assets | $504,792,000 | 1,249 |
| Average equity | $54,087,330 | 1,399 |
| Average total loans | $338,042,000 | 1,332 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8786% | 3,703 |
| Cost of funding earning assets | 0.3206% | 4,217 |
| Net interest margin | 3.5580% | 3,190 |
| Noninterest income to average assets | 1.2230% | 756 |
| Noninterest expense to average assets | 3.1502% | 2,133 |
| Loan and lease loss provision to assets | 0.2695% | 582 |
| Net operating income to assets | 1.0401% | 2,075 |
| Return on assets (ROA) | 1.2334% | 1,542 |
| Pretax return on assets | 1.2912% | 2,321 |
| Return on Equity (ROE) | 12.3323% | 1,263 |
| Retained earnings to average equity (ytd only) | 9.9487% | 940 |
| Net charge-offs to loans | 0.2955% | 806 |
| Credit loss provision to net charge-offs | 146.1847% | 1,272 |
| Earnings coverage of net charge-offs (x) | 7.3735% | 2,175 |
| Efficiency ratio | 69.8572% | 3,511 |
| Assets per employee ($millions) | 4.1791% | 3,594 |
| Cash dividends to net income (ytd only)* | 19.3277% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 1,084 |
| Loan loss allowance to noncurrent loans | 132.0163% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.2675% | 2,104 |
| Noncurrent loans to loans | 1.5143% | 1,862 |
| Net loans and leases to total assets | 60.2777% | 3,615 |
| Net loans and leases to deposits | 69.1505% | 3,842 |
| Net loans and leases to core deposits | 74.3419% | 3,746 |
| Total domestic deposits to total assets | 87.1689% | 2,282 |
| Equity capital to assets | 9.9742% | 4,176 |
| Core capital (leverage) ratio | 9.6505% | 4,077 |
| Tier 1 risk-based capital ratio | 14.2161% | 3,869 |
| Total risk-based capital ratio | 15.4735% | 3,792 |
| Memoranda: | ||
| Average total assets | $540,291,000 | 1,268 |
| Average earning assets | $499,049,000 | 1,267 |
| Average equity | $54,037,000 | 1,408 |
| Average total loans | $337,004,500 | 1,335 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 3,722 |
| Cost of funding earning assets | 0.3359% | 4,419 |
| Net interest margin | 3.6665% | 3,140 |
| Noninterest income to average assets | 1.3142% | 712 |
| Noninterest expense to average assets | 3.2592% | 2,044 |
| Loan and lease loss provision to assets | 0.2192% | 1,120 |
| Net operating income to assets | 1.1855% | 1,634 |
| Return on assets (ROA) | 1.1936% | 1,673 |
| Pretax return on assets | 1.2499% | 2,441 |
| Return on Equity (ROE) | 12.4599% | 1,272 |
| Retained earnings to average equity (ytd only) | 7.3108% | 1,269 |
| Net charge-offs to loans | 0.2682% | 1,613 |
| Credit loss provision to net charge-offs | 129.9771% | 1,835 |
| Earnings coverage of net charge-offs (x) | 8.6602% | 2,847 |
| Efficiency ratio | 69.0531% | 3,701 |
| Assets per employee ($millions) | 4.0377% | 3,864 |
| Cash dividends to net income (ytd only)* | 41.3258% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9922% | 1,129 |
| Loan loss allowance to noncurrent loans | 121.2143% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 2,109 |
| Noncurrent loans to loans | 1.6435% | 1,780 |
| Net loans and leases to total assets | 62.0186% | 3,497 |
| Net loans and leases to deposits | 70.8729% | 3,801 |
| Net loans and leases to core deposits | 76.1583% | 3,697 |
| Total domestic deposits to total assets | 87.5067% | 2,033 |
| Equity capital to assets | 10.0299% | 4,071 |
| Core capital (leverage) ratio | 9.5328% | 4,197 |
| Tier 1 risk-based capital ratio | 14.2254% | 3,945 |
| Total risk-based capital ratio | 15.4834% | 3,873 |
| Memoranda: | ||
| Average total assets | $518,201,400 | 1,299 |
| Average earning assets | $481,328,200 | 1,273 |
| Average equity | $49,639,200 | 1,455 |
| Average total loans | $325,911,600 | 1,342 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 3,726 |
| Cost of funding earning assets | 0.3380% | 4,491 |
| Net interest margin | 3.6699% | 3,152 |
| Noninterest income to average assets | 1.3123% | 706 |
| Noninterest expense to average assets | 3.2456% | 2,040 |
| Loan and lease loss provision to assets | 0.2509% | 858 |
| Net operating income to assets | 1.1754% | 1,772 |
| Return on assets (ROA) | 1.1861% | 1,801 |
| Pretax return on assets | 1.2420% | 2,603 |
| Return on Equity (ROE) | 12.5333% | 1,336 |
| Retained earnings to average equity (ytd only) | 7.6933% | 1,496 |
| Net charge-offs to loans | 0.2653% | 1,471 |
| Credit loss provision to net charge-offs | 150.6211% | 1,575 |
| Earnings coverage of net charge-offs (x) | 8.8959% | 2,739 |
| Efficiency ratio | 68.6563% | 3,738 |
| Assets per employee ($millions) | 4.0361% | 3,800 |
| Cash dividends to net income (ytd only)* | 38.6175% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 1,223 |
| Loan loss allowance to noncurrent loans | 113.0668% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.3852% | 2,231 |
| Noncurrent loans to loans | 1.7856% | 1,813 |
| Net loans and leases to total assets | 62.7500% | 3,379 |
| Net loans and leases to deposits | 71.7898% | 3,704 |
| Net loans and leases to core deposits | 77.1583% | 3,620 |
| Total domestic deposits to total assets | 87.4080% | 2,088 |
| Equity capital to assets | 9.9115% | 4,284 |
| Core capital (leverage) ratio | 9.5071% | 4,359 |
| Tier 1 risk-based capital ratio | 14.1343% | 4,118 |
| Total risk-based capital ratio | 15.3926% | 4,047 |
| Memoranda: | ||
| Average total assets | $515,516,750 | 1,317 |
| Average earning assets | $479,708,750 | 1,289 |
| Average equity | $48,786,000 | 1,482 |
| Average total loans | $323,712,250 | 1,356 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 3,855 |
| Cost of funding earning assets | 0.3405% | 4,532 |
| Net interest margin | 3.6288% | 3,238 |
| Noninterest income to average assets | 1.2822% | 717 |
| Noninterest expense to average assets | 3.2191% | 2,130 |
| Loan and lease loss provision to assets | 0.3017% | 653 |
| Net operating income to assets | 1.0878% | 1,979 |
| Return on assets (ROA) | 1.0922% | 2,031 |
| Pretax return on assets | 1.1432% | 2,916 |
| Return on Equity (ROE) | 11.7292% | 1,508 |
| Retained earnings to average equity (ytd only) | 6.5460% | 2,009 |
| Net charge-offs to loans | 0.2996% | 1,344 |
| Credit loss provision to net charge-offs | 161.4583% | 1,389 |
| Earnings coverage of net charge-offs (x) | 7.7083% | 2,590 |
| Efficiency ratio | 69.0894% | 3,819 |
| Assets per employee ($millions) | 4.0172% | 3,801 |
| Cash dividends to net income (ytd only)* | 44.1910% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0703% | 1,239 |
| Loan loss allowance to noncurrent loans | 122.0623% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.3205% | 2,473 |
| Noncurrent loans to loans | 1.6961% | 2,046 |
| Net loans and leases to total assets | 61.1573% | 3,547 |
| Net loans and leases to deposits | 69.6536% | 3,865 |
| Net loans and leases to core deposits | 74.9978% | 3,736 |
| Total domestic deposits to total assets | 87.8021% | 2,033 |
| Equity capital to assets | 9.6544% | 4,553 |
| Core capital (leverage) ratio | 9.2653% | 4,643 |
| Tier 1 risk-based capital ratio | 14.0561% | 4,225 |
| Total risk-based capital ratio | 15.3151% | 4,145 |
| Memoranda: | ||
| Average total assets | $513,803,000 | 1,312 |
| Average earning assets | $478,177,330 | 1,289 |
| Average equity | $47,846,330 | 1,502 |
| Average total loans | $320,468,000 | 1,360 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9646% | 3,836 |
| Cost of funding earning assets | 0.3458% | 4,578 |
| Net interest margin | 3.6188% | 3,177 |
| Noninterest income to average assets | 1.2307% | 729 |
| Noninterest expense to average assets | 3.1963% | 2,247 |
| Loan and lease loss provision to assets | 0.3034% | 634 |
| Net operating income to assets | 1.0535% | 1,996 |
| Return on assets (ROA) | 1.0610% | 2,036 |
| Pretax return on assets | 1.1103% | 2,856 |
| Return on Equity (ROE) | 11.6097% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.6153% | 1,378 |
| Net charge-offs to loans | 0.4942% | 744 |
| Credit loss provision to net charge-offs | 98.4772% | 1,716 |
| Earnings coverage of net charge-offs (x) | 4.5635% | 2,507 |
| Efficiency ratio | 69.4529% | 3,925 |
| Assets per employee ($millions) | 4.0574% | 3,806 |
| Cash dividends to net income (ytd only)* | 25.7922% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0071% | 1,505 |
| Loan loss allowance to noncurrent loans | 110.1946% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.4025% | 2,531 |
| Noncurrent loans to loans | 1.8214% | 2,109 |
| Net loans and leases to total assets | 60.1577% | 3,541 |
| Net loans and leases to deposits | 68.4485% | 3,810 |
| Net loans and leases to core deposits | 73.8565% | 3,664 |
| Total domestic deposits to total assets | 87.8875% | 2,292 |
| Equity capital to assets | 9.2493% | 4,812 |
| Core capital (leverage) ratio | 9.2866% | 4,596 |
| Tier 1 risk-based capital ratio | 14.0286% | 4,318 |
| Total risk-based capital ratio | 15.2867% | 4,244 |
| Memoranda: | ||
| Average total assets | $511,594,000 | 1,322 |
| Average earning assets | $476,619,500 | 1,297 |
| Average equity | $46,754,000 | 1,532 |
| Average total loans | $318,887,000 | 1,369 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1346% | 3,600 |
| Cost of funding earning assets | 0.4585% | 4,038 |
| Net interest margin | 3.6761% | 3,147 |
| Noninterest income to average assets | 1.2724% | 852 |
| Noninterest expense to average assets | 3.2000% | 2,420 |
| Loan and lease loss provision to assets | 0.2798% | 1,235 |
| Net operating income to assets | 1.1350% | 1,814 |
| Return on assets (ROA) | 1.1358% | 1,875 |
| Pretax return on assets | 1.1893% | 2,622 |
| Return on Equity (ROE) | 12.5039% | 1,276 |
| Retained earnings to average equity (ytd only) | 7.9171% | 1,085 |
| Net charge-offs to loans | 0.4126% | 1,627 |
| Credit loss provision to net charge-offs | 110.7897% | 2,173 |
| Earnings coverage of net charge-offs (x) | 5.8139% | 3,210 |
| Efficiency ratio | 68.5475% | 4,091 |
| Assets per employee ($millions) | 3.9363% | 3,988 |
| Cash dividends to net income (ytd only)* | 36.6829% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0085% | 1,523 |
| Loan loss allowance to noncurrent loans | 143.6645% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 3,001 |
| Noncurrent loans to loans | 1.3980% | 2,798 |
| Net loans and leases to total assets | 62.0319% | 3,357 |
| Net loans and leases to deposits | 70.2679% | 3,753 |
| Net loans and leases to core deposits | 76.1634% | 3,593 |
| Total domestic deposits to total assets | 88.2790% | 2,018 |
| Equity capital to assets | 9.0251% | 5,004 |
| Core capital (leverage) ratio | 9.1200% | 4,829 |
| Tier 1 risk-based capital ratio | 13.8063% | 4,431 |
| Total risk-based capital ratio | 15.0645% | 4,375 |
| Memoranda: | ||
| Average total assets | $506,432,000 | 1,314 |
| Average earning assets | $467,829,200 | 1,300 |
| Average equity | $46,001,800 | 1,522 |
| Average total loans | $310,014,200 | 1,369 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 3,568 |
| Cost of funding earning assets | 0.4835% | 3,930 |
| Net interest margin | 3.6658% | 3,171 |
| Noninterest income to average assets | 1.2579% | 928 |
| Noninterest expense to average assets | 3.1760% | 2,431 |
| Loan and lease loss provision to assets | 0.3295% | 1,004 |
| Net operating income to assets | 1.0807% | 2,084 |
| Return on assets (ROA) | 1.0812% | 2,160 |
| Pretax return on assets | 1.1319% | 2,974 |
| Return on Equity (ROE) | 11.8839% | 1,507 |
| Retained earnings to average equity (ytd only) | 7.9418% | 1,431 |
| Net charge-offs to loans | 0.4523% | 1,419 |
| Credit loss provision to net charge-offs | 120.0192% | 1,963 |
| Earnings coverage of net charge-offs (x) | 5.3218% | 3,222 |
| Efficiency ratio | 68.4945% | 3,996 |
| Assets per employee ($millions) | 4.0416% | 3,751 |
| Cash dividends to net income (ytd only)* | 33.1712% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0781% | 1,549 |
| Loan loss allowance to noncurrent loans | 140.1125% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 1.2615% | 3,115 |
| Noncurrent loans to loans | 1.4832% | 2,942 |
| Net loans and leases to total assets | 60.4018% | 3,634 |
| Net loans and leases to deposits | 68.3728% | 4,020 |
| Net loans and leases to core deposits | 74.3012% | 3,805 |
| Total domestic deposits to total assets | 88.3418% | 1,922 |
| Equity capital to assets | 8.7787% | 5,436 |
| Core capital (leverage) ratio | 8.9684% | 5,170 |
| Tier 1 risk-based capital ratio | 13.7293% | 4,613 |
| Total risk-based capital ratio | 14.9880% | 4,562 |
| Memoranda: | ||
| Average total assets | $507,079,750 | 1,321 |
| Average earning assets | $467,413,250 | 1,312 |
| Average equity | $46,134,250 | 1,531 |
| Average total loans | $307,780,750 | 1,376 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1725% | 3,466 |
| Cost of funding earning assets | 0.5086% | 3,817 |
| Net interest margin | 3.6639% | 3,113 |
| Noninterest income to average assets | 1.2736% | 951 |
| Noninterest expense to average assets | 3.1152% | 2,622 |
| Loan and lease loss provision to assets | 0.4605% | 624 |
| Net operating income to assets | 1.0187% | 2,251 |
| Return on assets (ROA) | 1.0195% | 2,368 |
| Pretax return on assets | 1.0672% | 3,230 |
| Return on Equity (ROE) | 11.0766% | 1,789 |
| Retained earnings to average equity (ytd only) | 6.5655% | 2,110 |
| Net charge-offs to loans | 0.5918% | 1,116 |
| Credit loss provision to net charge-offs | 128.8864% | 1,756 |
| Earnings coverage of net charge-offs (x) | 4.2734% | 3,173 |
| Efficiency ratio | 67.1079% | 4,341 |
| Assets per employee ($millions) | 4.0151% | 3,767 |
| Cash dividends to net income (ytd only)* | 40.7264% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 1,571 |
| Loan loss allowance to noncurrent loans | 158.7406% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 1.3645% | 3,057 |
| Noncurrent loans to loans | 1.3387% | 3,314 |
| Net loans and leases to total assets | 58.9708% | 3,836 |
| Net loans and leases to deposits | 66.8296% | 4,168 |
| Net loans and leases to core deposits | 72.5760% | 3,980 |
| Total domestic deposits to total assets | 88.2406% | 2,082 |
| Equity capital to assets | 8.8896% | 5,337 |
| Core capital (leverage) ratio | 8.6612% | 5,471 |
| Tier 1 risk-based capital ratio | 13.4515% | 4,806 |
| Total risk-based capital ratio | 14.7105% | 4,755 |
| Memoranda: | ||
| Average total assets | $507,706,330 | 1,314 |
| Average earning assets | $466,771,330 | 1,309 |
| Average equity | $46,729,000 | 1,514 |
| Average total loans | $306,499,000 | 1,377 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 3,345 |
| Cost of funding earning assets | 0.5319% | 3,753 |
| Net interest margin | 3.6596% | 3,038 |
| Noninterest income to average assets | 1.2294% | 1,012 |
| Noninterest expense to average assets | 3.0470% | 2,847 |
| Loan and lease loss provision to assets | 0.4611% | 609 |
| Net operating income to assets | 1.0257% | 2,123 |
| Return on assets (ROA) | 1.0257% | 2,237 |
| Pretax return on assets | 1.0730% | 3,059 |
| Return on Equity (ROE) | 10.9554% | 1,726 |
| Retained earnings to average equity (ytd only) | 8.5687% | 1,530 |
| Net charge-offs to loans | 0.8519% | 709 |
| Credit loss provision to net charge-offs | 89.5706% | 2,032 |
| Earnings coverage of net charge-offs (x) | 2.9801% | 2,884 |
| Efficiency ratio | 66.5115% | 4,576 |
| Assets per employee ($millions) | 4.1034% | 3,738 |
| Cash dividends to net income (ytd only)* | 21.7860% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0163% | 2,001 |
| Loan loss allowance to noncurrent loans | 208.3333% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 1.2351% | 3,501 |
| Noncurrent loans to loans | 0.9678% | 4,197 |
| Net loans and leases to total assets | 58.2727% | 3,747 |
| Net loans and leases to deposits | 66.2099% | 4,023 |
| Net loans and leases to core deposits | 71.6242% | 3,861 |
| Total domestic deposits to total assets | 88.0121% | 2,303 |
| Equity capital to assets | 9.2022% | 5,249 |
| Core capital (leverage) ratio | 8.8372% | 5,135 |
| Tier 1 risk-based capital ratio | 13.2453% | 5,044 |
| Total risk-based capital ratio | 14.5031% | 4,989 |
| Memoranda: | ||
| Average total assets | $506,598,500 | 1,334 |
| Average earning assets | $463,984,000 | 1,325 |
| Average equity | $47,428,500 | 1,518 |
| Average total loans | $306,131,500 | 1,388 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 3,109 |
| Cost of funding earning assets | 0.6530% | 3,889 |
| Net interest margin | 3.9202% | 2,743 |
| Noninterest income to average assets | 1.2838% | 941 |
| Noninterest expense to average assets | 3.3814% | 2,100 |
| Loan and lease loss provision to assets | 0.5465% | 1,049 |
| Net operating income to assets | 0.9235% | 2,688 |
| Return on assets (ROA) | 1.1015% | 2,116 |
| Pretax return on assets | 1.1404% | 3,018 |
| Return on Equity (ROE) | 12.0277% | 1,504 |
| Retained earnings to average equity (ytd only) | 8.8197% | 874 |
| Net charge-offs to loans | 0.8689% | 1,318 |
| Credit loss provision to net charge-offs | 101.4818% | 2,985 |
| Earnings coverage of net charge-offs (x) | 2.7918% | 4,034 |
| Efficiency ratio | 69.2243% | 3,936 |
| Assets per employee ($millions) | 3.9068% | 4,138 |
| Cash dividends to net income (ytd only)* | 26.6716% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0566% | 1,870 |
| Loan loss allowance to noncurrent loans | 189.1941% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 1.4485% | 3,209 |
| Noncurrent loans to loans | 1.0870% | 4,036 |
| Net loans and leases to total assets | 60.1627% | 3,577 |
| Net loans and leases to deposits | 68.6467% | 3,883 |
| Net loans and leases to core deposits | 74.4192% | 3,727 |
| Total domestic deposits to total assets | 87.6411% | 2,456 |
| Equity capital to assets | 9.5288% | 4,834 |
| Core capital (leverage) ratio | 8.6510% | 5,394 |
| Tier 1 risk-based capital ratio | 13.1371% | 5,011 |
| Total risk-based capital ratio | 14.3953% | 4,948 |
| Memoranda: | ||
| Average total assets | $488,789,600 | 1,361 |
| Average earning assets | $448,983,600 | 1,355 |
| Average equity | $44,763,200 | 1,556 |
| Average total loans | $302,925,600 | 1,380 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 3,103 |
| Cost of funding earning assets | 0.6773% | 3,959 |
| Net interest margin | 3.9505% | 2,702 |
| Noninterest income to average assets | 1.2770% | 907 |
| Noninterest expense to average assets | 3.4114% | 1,975 |
| Loan and lease loss provision to assets | 0.6303% | 841 |
| Net operating income to assets | 0.8318% | 3,300 |
| Return on assets (ROA) | 1.0673% | 2,437 |
| Pretax return on assets | 1.1062% | 3,331 |
| Return on Equity (ROE) | 11.7759% | 1,710 |
| Retained earnings to average equity (ytd only) | 8.5676% | 1,386 |
| Net charge-offs to loans | 0.9843% | 1,077 |
| Credit loss provision to net charge-offs | 103.0900% | 2,858 |
| Earnings coverage of net charge-offs (x) | 2.4389% | 4,063 |
| Efficiency ratio | 69.5839% | 3,771 |
| Assets per employee ($millions) | 3.9064% | 4,065 |
| Cash dividends to net income (ytd only)* | 27.2447% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0853% | 1,944 |
| Loan loss allowance to noncurrent loans | 148.9825% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 1.6613% | 3,091 |
| Noncurrent loans to loans | 1.3997% | 3,701 |
| Net loans and leases to total assets | 60.0611% | 3,774 |
| Net loans and leases to deposits | 68.4422% | 4,107 |
| Net loans and leases to core deposits | 74.2258% | 3,949 |
| Total domestic deposits to total assets | 87.7545% | 2,195 |
| Equity capital to assets | 9.4493% | 5,261 |
| Core capital (leverage) ratio | 8.4709% | 5,793 |
| Tier 1 risk-based capital ratio | 12.8806% | 5,341 |
| Total risk-based capital ratio | 14.1394% | 5,302 |
| Memoranda: | ||
| Average total assets | $486,945,000 | 1,383 |
| Average earning assets | $446,880,750 | 1,376 |
| Average equity | $44,134,250 | 1,596 |
| Average total loans | $302,463,000 | 1,400 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 3,084 |
| Cost of funding earning assets | 0.7043% | 3,979 |
| Net interest margin | 3.9575% | 2,690 |
| Noninterest income to average assets | 1.3764% | 761 |
| Noninterest expense to average assets | 3.3150% | 2,270 |
| Loan and lease loss provision to assets | 0.8215% | 600 |
| Net operating income to assets | 0.8396% | 3,200 |
| Return on assets (ROA) | 1.0503% | 2,479 |
| Pretax return on assets | 1.0820% | 3,369 |
| Return on Equity (ROE) | 11.7576% | 1,748 |
| Retained earnings to average equity (ytd only) | 8.5459% | 1,436 |
| Net charge-offs to loans | 1.3395% | 784 |
| Credit loss provision to net charge-offs | 98.3226% | 2,823 |
| Earnings coverage of net charge-offs (x) | 2.0183% | 3,980 |
| Efficiency ratio | 66.2820% | 4,486 |
| Assets per employee ($millions) | 3.7989% | 4,318 |
| Cash dividends to net income (ytd only)* | 27.3155% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0529% | 2,108 |
| Loan loss allowance to noncurrent loans | 144.0363% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 1.9395% | 2,861 |
| Noncurrent loans to loans | 1.4253% | 3,777 |
| Net loans and leases to total assets | 60.7844% | 3,663 |
| Net loans and leases to deposits | 69.8652% | 3,912 |
| Net loans and leases to core deposits | 75.8603% | 3,781 |
| Total domestic deposits to total assets | 87.0024% | 2,763 |
| Equity capital to assets | 9.2863% | 5,343 |
| Core capital (leverage) ratio | 8.3475% | 5,853 |
| Tier 1 risk-based capital ratio | 12.5106% | 5,559 |
| Total risk-based capital ratio | 13.7687% | 5,535 |
| Memoranda: | ||
| Average total assets | $485,192,000 | 1,388 |
| Average earning assets | $444,422,670 | 1,387 |
| Average equity | $43,342,330 | 1,613 |
| Average total loans | $302,644,330 | 1,399 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 3,133 |
| Cost of funding earning assets | 0.7402% | 3,942 |
| Net interest margin | 3.9395% | 2,766 |
| Noninterest income to average assets | 1.3874% | 755 |
| Noninterest expense to average assets | 3.3359% | 2,183 |
| Loan and lease loss provision to assets | 0.8228% | 584 |
| Net operating income to assets | 0.7874% | 3,437 |
| Return on assets (ROA) | 1.2041% | 1,904 |
| Pretax return on assets | 1.2603% | 2,693 |
| Return on Equity (ROE) | 13.7525% | 1,238 |
| Retained earnings to average equity (ytd only) | 8.8133% | 1,659 |
| Net charge-offs to loans | 1.3739% | 737 |
| Credit loss provision to net charge-offs | 95.7733% | 2,444 |
| Earnings coverage of net charge-offs (x) | 1.9193% | 3,370 |
| Efficiency ratio | 66.9205% | 4,372 |
| Assets per employee ($millions) | 4.0011% | 4,008 |
| Cash dividends to net income (ytd only)* | 35.9150% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0572% | 2,194 |
| Loan loss allowance to noncurrent loans | 96.0242% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 2.9863% | 1,940 |
| Noncurrent loans to loans | 2.1424% | 2,979 |
| Net loans and leases to total assets | 60.3058% | 3,598 |
| Net loans and leases to deposits | 68.6914% | 3,926 |
| Net loans and leases to core deposits | 74.5826% | 3,820 |
| Total domestic deposits to total assets | 87.7924% | 2,468 |
| Equity capital to assets | 8.6799% | 5,901 |
| Core capital (leverage) ratio | 8.1849% | 6,047 |
| Tier 1 risk-based capital ratio | 12.0900% | 5,900 |
| Total risk-based capital ratio | 13.3478% | 5,872 |
| Memoranda: | ||
| Average total assets | $484,661,500 | 1,394 |
| Average earning assets | $442,596,000 | 1,391 |
| Average equity | $42,436,000 | 1,637 |
| Average total loans | $303,086,000 | 1,399 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7660% | 3,957 |
| Cost of funding earning assets | 1.1257% | 2,496 |
| Net interest margin | 3.6403% | 4,562 |
| Noninterest income to average assets | 1.2293% | 865 |
| Noninterest expense to average assets | 3.0981% | 3,201 |
| Loan and lease loss provision to assets | 0.8399% | 1,155 |
| Net operating income to assets | 0.5717% | 4,142 |
| Return on assets (ROA) | 0.7902% | 3,245 |
| Pretax return on assets | 0.8277% | 3,876 |
| Return on Equity (ROE) | 10.1660% | 2,004 |
| Retained earnings to average equity (ytd only) | 7.7858% | 1,159 |
| Net charge-offs to loans | 1.0352% | 1,679 |
| Credit loss provision to net charge-offs | 131.7868% | 2,316 |
| Earnings coverage of net charge-offs (x) | 2.2558% | 4,096 |
| Efficiency ratio | 68.3037% | 4,294 |
| Assets per employee ($millions) | 3.9442% | 3,976 |
| Cash dividends to net income (ytd only)* | 23.4134% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 2,160 |
| Loan loss allowance to noncurrent loans | 66.9497% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 3.2642% | 1,825 |
| Noncurrent loans to loans | 3.0443% | 2,127 |
| Net loans and leases to total assets | 62.2181% | 3,558 |
| Net loans and leases to deposits | 71.1356% | 3,930 |
| Net loans and leases to core deposits | 77.6718% | 3,723 |
| Total domestic deposits to total assets | 87.4641% | 2,490 |
| Equity capital to assets | 8.8328% | 5,757 |
| Core capital (leverage) ratio | 7.9984% | 6,275 |
| Tier 1 risk-based capital ratio | 11.6624% | 6,050 |
| Total risk-based capital ratio | 12.9202% | 6,026 |
| Memoranda: | ||
| Average total assets | $500,526,000 | 1,341 |
| Average earning assets | $454,635,800 | 1,341 |
| Average equity | $38,904,200 | 1,732 |
| Average total loans | $308,141,600 | 1,380 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 4,174 |
| Cost of funding earning assets | 1.2151% | 2,225 |
| Net interest margin | 3.5483% | 4,987 |
| Noninterest income to average assets | 1.2326% | 857 |
| Noninterest expense to average assets | 3.1082% | 3,129 |
| Loan and lease loss provision to assets | 0.8543% | 1,070 |
| Net operating income to assets | 0.4670% | 4,688 |
| Return on assets (ROA) | 0.7583% | 3,513 |
| Pretax return on assets | 0.7939% | 4,156 |
| Return on Equity (ROE) | 10.0828% | 2,170 |
| Retained earnings to average equity (ytd only) | 10.0828% | 824 |
| Net charge-offs to loans | 1.0454% | 1,525 |
| Credit loss provision to net charge-offs | 133.7464% | 2,382 |
| Earnings coverage of net charge-offs (x) | 2.1053% | 4,092 |
| Efficiency ratio | 69.8009% | 3,986 |
| Assets per employee ($millions) | 4.0169% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 2,451 |
| Loan loss allowance to noncurrent loans | 75.8426% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 2.9022% | 2,229 |
| Noncurrent loans to loans | 2.5807% | 2,686 |
| Net loans and leases to total assets | 61.1441% | 3,915 |
| Net loans and leases to deposits | 69.7700% | 4,336 |
| Net loans and leases to core deposits | 77.0970% | 4,035 |
| Total domestic deposits to total assets | 87.6366% | 2,270 |
| Equity capital to assets | 8.4517% | 6,350 |
| Core capital (leverage) ratio | 7.8004% | 6,561 |
| Tier 1 risk-based capital ratio | 11.5662% | 6,201 |
| Total risk-based capital ratio | 12.8231% | 6,189 |
| Memoranda: | ||
| Average total assets | $505,359,000 | 1,328 |
| Average earning assets | $458,648,500 | 1,337 |
| Average equity | $38,004,500 | 1,778 |
| Average total loans | $308,772,250 | 1,388 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 4,431 |
| Cost of funding earning assets | 1.3077% | 1,892 |
| Net interest margin | 3.4155% | 5,503 |
| Noninterest income to average assets | 1.0516% | 1,188 |
| Noninterest expense to average assets | 3.1443% | 3,102 |
| Loan and lease loss provision to assets | 0.8481% | 1,064 |
| Net operating income to assets | 0.1539% | 5,871 |
| Return on assets (ROA) | 0.3826% | 5,169 |
| Pretax return on assets | 0.4007% | 5,390 |
| Return on Equity (ROE) | 5.3002% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.3002% | 2,813 |
| Net charge-offs to loans | 0.7560% | 1,986 |
| Credit loss provision to net charge-offs | 184.8459% | 1,634 |
| Earnings coverage of net charge-offs (x) | 2.1969% | 3,739 |
| Efficiency ratio | 75.7237% | 3,065 |
| Assets per employee ($millions) | 4.2850% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 2,330 |
| Loan loss allowance to noncurrent loans | 48.1792% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 4.1017% | 1,559 |
| Noncurrent loans to loans | 4.1791% | 1,631 |
| Net loans and leases to total assets | 60.7515% | 4,135 |
| Net loans and leases to deposits | 68.5998% | 4,615 |
| Net loans and leases to core deposits | 76.5478% | 4,243 |
| Total domestic deposits to total assets | 88.5594% | 1,811 |
| Equity capital to assets | 7.7278% | 6,846 |
| Core capital (leverage) ratio | 7.2763% | 6,880 |
| Tier 1 risk-based capital ratio | 10.9003% | 6,604 |
| Total risk-based capital ratio | 12.1577% | 6,562 |
| Memoranda: | ||
| Average total assets | $509,119,000 | 1,326 |
| Average earning assets | $462,186,000 | 1,333 |
| Average equity | $36,753,330 | 1,822 |
| Average total loans | $308,986,000 | 1,401 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 4,357 |
| Cost of funding earning assets | 1.4241% | 1,496 |
| Net interest margin | 3.3096% | 5,741 |
| Noninterest income to average assets | 1.1430% | 998 |
| Noninterest expense to average assets | 2.9545% | 3,841 |
| Loan and lease loss provision to assets | 0.8378% | 988 |
| Net operating income to assets | 0.3427% | 5,209 |
| Return on assets (ROA) | 0.3766% | 5,122 |
| Pretax return on assets | 0.3944% | 5,360 |
| Return on Equity (ROE) | 5.4003% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.4003% | 2,957 |
| Net charge-offs to loans | 0.5456% | 2,131 |
| Credit loss provision to net charge-offs | 255.6872% | 1,219 |
| Earnings coverage of net charge-offs (x) | 3.6517% | 2,678 |
| Efficiency ratio | 71.1747% | 4,015 |
| Assets per employee ($millions) | 4.2611% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9053% | 2,677 |
| Loan loss allowance to noncurrent loans | 79.2764% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 3.2447% | 2,116 |
| Noncurrent loans to loans | 2.4034% | 3,083 |
| Net loans and leases to total assets | 59.1231% | 4,441 |
| Net loans and leases to deposits | 67.1063% | 4,812 |
| Net loans and leases to core deposits | 75.1162% | 4,410 |
| Total domestic deposits to total assets | 88.1036% | 2,315 |
| Equity capital to assets | 7.1977% | 7,015 |
| Core capital (leverage) ratio | 6.9357% | 7,034 |
| Tier 1 risk-based capital ratio | 10.5017% | 6,801 |
| Total risk-based capital ratio | 11.7574% | 6,788 |
| Memoranda: | ||
| Average total assets | $515,148,000 | 1,310 |
| Average earning assets | $468,218,500 | 1,320 |
| Average equity | $35,924,000 | 1,844 |
| Average total loans | $309,390,500 | 1,412 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8672% | 5,162 |
| Cost of funding earning assets | 1.6745% | 1,709 |
| Net interest margin | 3.1927% | 6,286 |
| Noninterest income to average assets | 1.0232% | 1,432 |
| Noninterest expense to average assets | 2.8342% | 4,462 |
| Loan and lease loss provision to assets | 1.1695% | 1,349 |
| Net operating income to assets | -0.0651% | 5,947 |
| Return on assets (ROA) | 0.1134% | 5,695 |
| Pretax return on assets | 0.1297% | 5,643 |
| Return on Equity (ROE) | 1.5752% | 5,533 |
| Retained earnings to average equity (ytd only) | -0.0671% | 5,607 |
| Net charge-offs to loans | 1.9919% | 1,017 |
| Credit loss provision to net charge-offs | 94.6364% | 4,909 |
| Earnings coverage of net charge-offs (x) | 0.8852% | 5,235 |
| Efficiency ratio | 72.1503% | 3,767 |
| Assets per employee ($millions) | 4.2890% | 3,233 |
| Cash dividends to net income (ytd only)* | 104.2589% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 3,296 |
| Loan loss allowance to noncurrent loans | 66.4458% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 3.2598% | 2,166 |
| Noncurrent loans to loans | 2.5264% | 2,998 |
| Net loans and leases to total assets | 58.8441% | 4,883 |
| Net loans and leases to deposits | 66.9092% | 5,269 |
| Net loans and leases to core deposits | 76.2619% | 4,673 |
| Total domestic deposits to total assets | 87.9462% | 2,281 |
| Equity capital to assets | 6.7527% | 7,190 |
| Core capital (leverage) ratio | 6.7841% | 7,112 |
| Tier 1 risk-based capital ratio | 10.3443% | 6,797 |
| Total risk-based capital ratio | 11.5975% | 6,771 |
| Memoranda: | ||
| Average total assets | $517,473,800 | 1,290 |
| Average earning assets | $470,821,000 | 1,300 |
| Average equity | $37,266,200 | 1,776 |
| Average total loans | $321,045,200 | 1,397 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 5,225 |
| Cost of funding earning assets | 1.7157% | 1,791 |
| Net interest margin | 3.1926% | 6,368 |
| Noninterest income to average assets | 1.0308% | 1,367 |
| Noninterest expense to average assets | 2.8742% | 4,186 |
| Loan and lease loss provision to assets | 0.9269% | 1,622 |
| Net operating income to assets | 0.1257% | 5,703 |
| Return on assets (ROA) | 0.3886% | 4,983 |
| Pretax return on assets | 0.4069% | 5,197 |
| Return on Equity (ROE) | 5.3125% | 4,138 |
| Retained earnings to average equity (ytd only) | 3.1551% | 4,222 |
| Net charge-offs to loans | 1.4624% | 1,383 |
| Credit loss provision to net charge-offs | 101.2676% | 4,260 |
| Earnings coverage of net charge-offs (x) | 1.1580% | 4,907 |
| Efficiency ratio | 73.0568% | 3,512 |
| Assets per employee ($millions) | 4.3768% | 3,114 |
| Cash dividends to net income (ytd only)* | 40.6106% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7744% | 2,871 |
| Loan loss allowance to noncurrent loans | 54.4730% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 3.2512% | 2,196 |
| Noncurrent loans to loans | 3.2574% | 2,431 |
| Net loans and leases to total assets | 58.5564% | 5,176 |
| Net loans and leases to deposits | 66.9240% | 5,555 |
| Net loans and leases to core deposits | 76.3678% | 5,012 |
| Total domestic deposits to total assets | 87.4969% | 2,262 |
| Equity capital to assets | 7.3025% | 7,225 |
| Core capital (leverage) ratio | 6.8674% | 7,226 |
| Tier 1 risk-based capital ratio | 10.4726% | 6,794 |
| Total risk-based capital ratio | 11.7269% | 6,782 |
| Memoranda: | ||
| Average total assets | $517,100,750 | 1,302 |
| Average earning assets | $470,246,500 | 1,317 |
| Average equity | $37,821,750 | 1,758 |
| Average total loans | $323,657,750 | 1,402 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 5,147 |
| Cost of funding earning assets | 1.7465% | 1,886 |
| Net interest margin | 3.2104% | 6,284 |
| Noninterest income to average assets | 1.0192% | 1,323 |
| Noninterest expense to average assets | 2.8721% | 4,176 |
| Loan and lease loss provision to assets | 1.0255% | 1,422 |
| Net operating income to assets | 0.0363% | 6,022 |
| Return on assets (ROA) | 0.4293% | 4,784 |
| Pretax return on assets | 0.4496% | 5,061 |
| Return on Equity (ROE) | 5.8661% | 3,866 |
| Retained earnings to average equity (ytd only) | 3.5431% | 3,849 |
| Net charge-offs to loans | 1.5397% | 1,241 |
| Credit loss provision to net charge-offs | 104.6975% | 3,898 |
| Earnings coverage of net charge-offs (x) | 1.0836% | 4,710 |
| Efficiency ratio | 73.0174% | 3,656 |
| Assets per employee ($millions) | 4.3916% | 3,063 |
| Cash dividends to net income (ytd only)* | 39.6004% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7647% | 2,839 |
| Loan loss allowance to noncurrent loans | 65.5312% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 2.7817% | 2,601 |
| Noncurrent loans to loans | 2.6929% | 2,957 |
| Net loans and leases to total assets | 59.9460% | 5,067 |
| Net loans and leases to deposits | 68.6347% | 5,466 |
| Net loans and leases to core deposits | 77.5144% | 5,022 |
| Total domestic deposits to total assets | 87.3407% | 2,361 |
| Equity capital to assets | 7.1089% | 7,306 |
| Core capital (leverage) ratio | 6.9531% | 7,219 |
| Tier 1 risk-based capital ratio | 10.3234% | 6,818 |
| Total risk-based capital ratio | 11.5710% | 6,803 |
| Memoranda: | ||
| Average total assets | $512,935,330 | 1,318 |
| Average earning assets | $465,606,330 | 1,335 |
| Average equity | $37,537,670 | 1,771 |
| Average total loans | $326,305,330 | 1,403 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1268% | 4,412 |
| Cost of funding earning assets | 1.7625% | 2,055 |
| Net interest margin | 3.3643% | 5,735 |
| Noninterest income to average assets | 0.9852% | 1,344 |
| Noninterest expense to average assets | 2.9302% | 3,950 |
| Loan and lease loss provision to assets | 0.7630% | 1,662 |
| Net operating income to assets | 0.3238% | 5,195 |
| Return on assets (ROA) | 0.5044% | 4,515 |
| Pretax return on assets | 0.5274% | 4,864 |
| Return on Equity (ROE) | 6.7917% | 3,454 |
| Retained earnings to average equity (ytd only) | 6.7917% | 2,222 |
| Net charge-offs to loans | 0.7643% | 1,978 |
| Credit loss provision to net charge-offs | 153.6624% | 2,334 |
| Earnings coverage of net charge-offs (x) | 2.2197% | 3,431 |
| Efficiency ratio | 72.6667% | 3,813 |
| Assets per employee ($millions) | 4.4548% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 2,717 |
| Loan loss allowance to noncurrent loans | 57.9304% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 2.7344% | 2,660 |
| Noncurrent loans to loans | 3.1149% | 2,574 |
| Net loans and leases to total assets | 62.0783% | 4,737 |
| Net loans and leases to deposits | 71.3569% | 5,147 |
| Net loans and leases to core deposits | 79.2173% | 4,862 |
| Total domestic deposits to total assets | 86.9969% | 2,631 |
| Equity capital to assets | 7.3350% | 7,193 |
| Core capital (leverage) ratio | 7.1630% | 7,138 |
| Tier 1 risk-based capital ratio | 10.2617% | 6,830 |
| Total risk-based capital ratio | 11.5122% | 6,833 |
| Memoranda: | ||
| Average total assets | $505,910,000 | 1,375 |
| Average earning assets | $458,219,500 | 1,383 |
| Average equity | $37,575,000 | 1,790 |
| Average total loans | $328,667,000 | 1,434 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5594% | 3,818 |
| Cost of funding earning assets | 2.0604% | 2,681 |
| Net interest margin | 3.4989% | 4,960 |
| Noninterest income to average assets | 1.0520% | 1,404 |
| Noninterest expense to average assets | 3.0139% | 4,098 |
| Loan and lease loss provision to assets | 0.8180% | 2,681 |
| Net operating income to assets | 0.3857% | 4,181 |
| Return on assets (ROA) | 0.4954% | 3,845 |
| Pretax return on assets | 0.5200% | 4,132 |
| Return on Equity (ROE) | 6.4695% | 3,005 |
| Retained earnings to average equity (ytd only) | 3.0057% | 3,059 |
| Net charge-offs to loans | 0.8258% | 2,762 |
| Credit loss provision to net charge-offs | 141.8944% | 3,409 |
| Earnings coverage of net charge-offs (x) | 2.1206% | 4,140 |
| Efficiency ratio | 71.1432% | 4,420 |
| Assets per employee ($millions) | 4.1955% | 3,449 |
| Cash dividends to net income (ytd only)* | 53.5396% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6806% | 2,961 |
| Loan loss allowance to noncurrent loans | 66.2968% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 2.6225% | 2,682 |
| Noncurrent loans to loans | 2.5350% | 3,018 |
| Net loans and leases to total assets | 65.6660% | 4,244 |
| Net loans and leases to deposits | 75.7722% | 4,780 |
| Net loans and leases to core deposits | 110.5474% | 2,838 |
| Total domestic deposits to total assets | 86.6624% | 2,673 |
| Equity capital to assets | 7.5234% | 7,014 |
| Core capital (leverage) ratio | 7.2169% | 7,052 |
| Tier 1 risk-based capital ratio | 10.0857% | 6,798 |
| Total risk-based capital ratio | 11.3394% | 6,757 |
| Memoranda: | ||
| Average total assets | $476,156,800 | 1,458 |
| Average earning assets | $433,359,400 | 1,463 |
| Average equity | $36,463,600 | 1,846 |
| Average total loans | $332,406,400 | 1,453 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6529% | 3,558 |
| Cost of funding earning assets | 2.1135% | 2,832 |
| Net interest margin | 3.5394% | 4,702 |
| Noninterest income to average assets | 1.0456% | 1,457 |
| Noninterest expense to average assets | 2.9529% | 4,234 |
| Loan and lease loss provision to assets | 0.8261% | 2,311 |
| Net operating income to assets | 0.4809% | 4,070 |
| Return on assets (ROA) | 0.6287% | 3,564 |
| Pretax return on assets | 0.6584% | 3,992 |
| Return on Equity (ROE) | 8.1723% | 2,570 |
| Retained earnings to average equity (ytd only) | 4.1762% | 2,945 |
| Net charge-offs to loans | 0.5969% | 2,888 |
| Credit loss provision to net charge-offs | 196.0403% | 2,295 |
| Earnings coverage of net charge-offs (x) | 3.1537% | 3,660 |
| Efficiency ratio | 68.9630% | 4,795 |
| Assets per employee ($millions) | 3.9689% | 3,791 |
| Cash dividends to net income (ytd only)* | 48.8979% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 2,341 |
| Loan loss allowance to noncurrent loans | 92.0095% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 2.1887% | 3,110 |
| Noncurrent loans to loans | 1.9354% | 3,724 |
| Net loans and leases to total assets | 66.4999% | 4,307 |
| Net loans and leases to deposits | 77.0363% | 4,894 |
| Net loans and leases to core deposits | 109.7837% | 3,262 |
| Total domestic deposits to total assets | 86.3229% | 2,525 |
| Equity capital to assets | 7.7282% | 7,124 |
| Core capital (leverage) ratio | 7.4722% | 7,012 |
| Tier 1 risk-based capital ratio | 10.2962% | 6,685 |
| Total risk-based capital ratio | 11.5208% | 6,659 |
| Memoranda: | ||
| Average total assets | $471,429,500 | 1,486 |
| Average earning assets | $431,063,250 | 1,481 |
| Average equity | $36,268,000 | 1,874 |
| Average total loans | $332,846,250 | 1,471 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7593% | 3,254 |
| Cost of funding earning assets | 2.2007% | 2,792 |
| Net interest margin | 3.5585% | 4,540 |
| Noninterest income to average assets | 0.9902% | 1,631 |
| Noninterest expense to average assets | 2.9784% | 4,165 |
| Loan and lease loss provision to assets | 0.8335% | 2,008 |
| Net operating income to assets | 0.4085% | 4,483 |
| Return on assets (ROA) | 0.6293% | 3,662 |
| Pretax return on assets | 0.6601% | 4,131 |
| Return on Equity (ROE) | 8.1931% | 2,694 |
| Retained earnings to average equity (ytd only) | 4.6874% | 2,691 |
| Net charge-offs to loans | 0.5309% | 2,736 |
| Credit loss provision to net charge-offs | 219.2568% | 2,098 |
| Earnings coverage of net charge-offs (x) | 3.3176% | 3,486 |
| Efficiency ratio | 70.2514% | 4,724 |
| Assets per employee ($millions) | 4.1331% | 3,427 |
| Cash dividends to net income (ytd only)* | 42.7891% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6643% | 2,473 |
| Loan loss allowance to noncurrent loans | 105.3992% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.9271% | 3,307 |
| Noncurrent loans to loans | 1.5791% | 4,129 |
| Net loans and leases to total assets | 68.5422% | 4,064 |
| Net loans and leases to deposits | 79.4196% | 4,638 |
| Net loans and leases to core deposits | 111.2959% | 3,226 |
| Total domestic deposits to total assets | 86.3039% | 2,623 |
| Equity capital to assets | 7.5840% | 7,191 |
| Core capital (leverage) ratio | 7.5014% | 7,014 |
| Tier 1 risk-based capital ratio | 10.2551% | 6,645 |
| Total risk-based capital ratio | 11.5092% | 6,568 |
| Memoranda: | ||
| Average total assets | $467,169,000 | 1,522 |
| Average earning assets | $426,582,330 | 1,515 |
| Average equity | $35,883,670 | 1,898 |
| Average total loans | $334,515,670 | 1,488 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9162% | 2,726 |
| Cost of funding earning assets | 2.2902% | 2,745 |
| Net interest margin | 3.6260% | 4,209 |
| Noninterest income to average assets | 1.1600% | 1,089 |
| Noninterest expense to average assets | 2.8687% | 4,264 |
| Loan and lease loss provision to assets | 0.8376% | 1,551 |
| Net operating income to assets | 0.7211% | 3,460 |
| Return on assets (ROA) | 1.1669% | 1,867 |
| Pretax return on assets | 1.2211% | 2,549 |
| Return on Equity (ROE) | 15.0952% | 962 |
| Retained earnings to average equity (ytd only) | 15.0952% | 406 |
| Net charge-offs to loans | 0.5818% | 2,008 |
| Credit loss provision to net charge-offs | 198.3707% | 2,239 |
| Earnings coverage of net charge-offs (x) | 3.7760% | 3,071 |
| Efficiency ratio | 64.2775% | 5,640 |
| Assets per employee ($millions) | 3.9456% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 3,148 |
| Loan loss allowance to noncurrent loans | 248.8550% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 1.4800% | 3,710 |
| Noncurrent loans to loans | 0.5903% | 5,919 |
| Net loans and leases to total assets | 69.8571% | 3,702 |
| Net loans and leases to deposits | 81.2130% | 4,416 |
| Net loans and leases to core deposits | 119.3354% | 2,475 |
| Total domestic deposits to total assets | 86.0172% | 2,710 |
| Equity capital to assets | 7.7663% | 7,109 |
| Core capital (leverage) ratio | 7.7248% | 6,859 |
| Tier 1 risk-based capital ratio | 10.2802% | 6,610 |
| Total risk-based capital ratio | 11.5321% | 6,537 |
| Memoranda: | ||
| Average total assets | $465,165,000 | 1,535 |
| Average earning assets | $423,716,000 | 1,536 |
| Average equity | $35,958,500 | 1,905 |
| Average total loans | $337,563,000 | 1,490 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5470% | 2,733 |
| Cost of funding earning assets | 2.8406% | 2,521 |
| Net interest margin | 3.7064% | 4,445 |
| Noninterest income to average assets | 1.3056% | 859 |
| Noninterest expense to average assets | 2.9230% | 4,367 |
| Loan and lease loss provision to assets | 0.6271% | 2,323 |
| Net operating income to assets | 1.0921% | 2,177 |
| Return on assets (ROA) | 0.5363% | 4,443 |
| Pretax return on assets | 0.5597% | 4,818 |
| Return on Equity (ROE) | 6.8937% | 3,588 |
| Retained earnings to average equity (ytd only) | -0.0803% | 5,289 |
| Net charge-offs to loans | 0.7314% | 1,687 |
| Credit loss provision to net charge-offs | 116.5975% | 4,627 |
| Earnings coverage of net charge-offs (x) | 3.2830% | 4,446 |
| Efficiency ratio | 62.3399% | 5,889 |
| Assets per employee ($millions) | 3.8400% | 3,880 |
| Cash dividends to net income (ytd only)* | 101.1652% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 3,876 |
| Loan loss allowance to noncurrent loans | 436.7691% | 967 |
| Noncurrent assets plus other real estate owned to assets | 1.2717% | 3,680 |
| Noncurrent loans to loans | 0.2948% | 6,496 |
| Net loans and leases to total assets | 73.3135% | 3,281 |
| Net loans and leases to deposits | 85.6046% | 4,172 |
| Net loans and leases to core deposits | 127.4805% | 2,041 |
| Total domestic deposits to total assets | 85.6420% | 2,569 |
| Equity capital to assets | 7.6935% | 7,209 |
| Core capital (leverage) ratio | 7.5653% | 7,125 |
| Tier 1 risk-based capital ratio | 9.6143% | 7,192 |
| Total risk-based capital ratio | 10.8413% | 7,109 |
| Memoranda: | ||
| Average total assets | $448,066,800 | 1,532 |
| Average earning assets | $408,996,400 | 1,530 |
| Average equity | $34,857,800 | 1,940 |
| Average total loans | $329,499,600 | 1,474 |