Home > Bank of Utah > Performance and Condition Ratios
Bank of Utah, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5836% | 1,978 |
| Cost of funding earning assets | 2.3652% | 1,425 |
| Net interest margin | 3.2184% | 2,687 |
| Noninterest income to average assets | 0.8000% | 917 |
| Noninterest expense to average assets | 2.1474% | 3,265 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.2828% | 1,330 |
| Return on assets (ROA) | 1.2795% | 1,339 |
| Pretax return on assets | 1.5911% | 1,128 |
| Return on Equity (ROE) | 10.7100% | 1,981 |
| Retained earnings to average equity (ytd only) | 7.8398% | 1,166 |
| Net charge-offs to loans | 0.0638% | 1,495 |
| Credit loss provision to net charge-offs | 164.4529% | 1,310 |
| Earnings coverage of net charge-offs (x) | 34.5984% | 1,439 |
| Efficiency ratio | 55.9507% | 3,557 |
| Assets per employee ($millions) | 8.1101% | 1,473 |
| Cash dividends to net income (ytd only)* | 26.7816% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 1,999 |
| Loan loss allowance to noncurrent loans | 10,628.2468% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,687 |
| Noncurrent loans to loans | 0.0116% | 3,675 |
| Net loans and leases to total assets | 78.9600% | 787 |
| Net loans and leases to deposits | 101.7320% | 418 |
| Net loans and leases to core deposits | 133.9063% | 318 |
| Total domestic deposits to total assets | 77.6200% | 3,822 |
| Equity capital to assets | 12.1866% | 1,113 |
| Core capital (leverage) ratio | 12.1527% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4454% | 977 |
| Memoranda: | ||
| Average total assets | $3,253,836,400 | 381 |
| Average earning assets | $3,057,150,600 | 366 |
| Average equity | $388,822,200 | 350 |
| Average total loans | $2,478,838,800 | 353 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4623% | 2,144 |
| Cost of funding earning assets | 2.3138% | 1,513 |
| Net interest margin | 3.1485% | 2,796 |
| Noninterest income to average assets | 0.7600% | 965 |
| Noninterest expense to average assets | 2.1115% | 3,302 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.2710% | 1,375 |
| Return on assets (ROA) | 1.2741% | 1,360 |
| Pretax return on assets | 1.5722% | 1,200 |
| Return on Equity (ROE) | 10.7200% | 1,996 |
| Retained earnings to average equity (ytd only) | 7.8207% | 1,443 |
| Net charge-offs to loans | 0.0049% | 2,509 |
| Credit loss provision to net charge-offs | 888.8889% | 429 |
| Earnings coverage of net charge-offs (x) | 434.2333% | 274 |
| Efficiency ratio | 56.6003% | 3,495 |
| Assets per employee ($millions) | 9.5388% | 884 |
| Cash dividends to net income (ytd only)* | 27.0239% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 1,913 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 68.0300% | 2,080 |
| Net loans and leases to deposits | 84.1991% | 1,803 |
| Net loans and leases to core deposits | 102.9249% | 1,301 |
| Total domestic deposits to total assets | 80.7900% | 3,348 |
| Equity capital to assets | 10.6910% | 1,879 |
| Core capital (leverage) ratio | 12.2661% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8733% | 940 |
| Memoranda: | ||
| Average total assets | $3,238,033,500 | 375 |
| Average earning assets | $3,043,666,750 | 367 |
| Average equity | $384,968,500 | 346 |
| Average total loans | $2,435,539,750 | 354 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5527% | 1,876 |
| Cost of funding earning assets | 2.3246% | 1,395 |
| Net interest margin | 3.2280% | 2,579 |
| Noninterest income to average assets | 0.8000% | 865 |
| Noninterest expense to average assets | 2.1996% | 3,077 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.3110% | 1,241 |
| Return on assets (ROA) | 1.3056% | 1,264 |
| Pretax return on assets | 1.5884% | 1,140 |
| Return on Equity (ROE) | 10.5500% | 2,025 |
| Retained earnings to average equity (ytd only) | 7.6124% | 1,478 |
| Net charge-offs to loans | 0.0018% | 2,495 |
| Credit loss provision to net charge-offs | 2,272.7273% | 212 |
| Earnings coverage of net charge-offs (x) | 1,134.4545% | 93 |
| Efficiency ratio | 57.3205% | 3,459 |
| Assets per employee ($millions) | 8.2896% | 1,297 |
| Cash dividends to net income (ytd only)* | 27.8374% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 1,763 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 74.8300% | 1,326 |
| Net loans and leases to deposits | 94.9084% | 874 |
| Net loans and leases to core deposits | 121.4871% | 591 |
| Total domestic deposits to total assets | 78.8500% | 3,605 |
| Equity capital to assets | 11.7830% | 1,248 |
| Core capital (leverage) ratio | 12.5665% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0454% | 916 |
| Memoranda: | ||
| Average total assets | $3,067,789,667 | 396 |
| Average earning assets | $2,876,423,667 | 381 |
| Average equity | $379,697,667 | 346 |
| Average total loans | $2,386,538,333 | 364 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5585% | 1,695 |
| Cost of funding earning assets | 2.1968% | 1,557 |
| Net interest margin | 3.3617% | 2,205 |
| Noninterest income to average assets | 0.7700% | 891 |
| Noninterest expense to average assets | 2.3239% | 2,728 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 1.2822% | 1,273 |
| Return on assets (ROA) | 1.2759% | 1,291 |
| Pretax return on assets | 1.5741% | 1,135 |
| Return on Equity (ROE) | 10.0400% | 2,120 |
| Retained earnings to average equity (ytd only) | 7.0781% | 1,809 |
| Net charge-offs to loans | 0.0014% | 2,168 |
| Credit loss provision to net charge-offs | 1,250.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 1,475.7500% | 52 |
| Efficiency ratio | 59.1277% | 3,339 |
| Assets per employee ($millions) | 7.5586% | 1,729 |
| Cash dividends to net income (ytd only)* | 29.5139% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 1,623 |
| Loan loss allowance to noncurrent loans | 24,658.1395% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,816 |
| Noncurrent loans to loans | 0.0054% | 3,770 |
| Net loans and leases to total assets | 78.1000% | 832 |
| Net loans and leases to deposits | 104.4690% | 324 |
| Net loans and leases to core deposits | 131.1526% | 400 |
| Total domestic deposits to total assets | 74.7600% | 4,081 |
| Equity capital to assets | 12.5971% | 960 |
| Core capital (leverage) ratio | 13.0142% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2004% | 905 |
| Memoranda: | ||
| Average total assets | $2,960,334,000 | 413 |
| Average earning assets | $2,769,908,000 | 402 |
| Average equity | $376,146,000 | 350 |
| Average total loans | $2,335,456,500 | 371 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1617% | 1,735 |
| Cost of funding earning assets | 1.3336% | 2,416 |
| Net interest margin | 3.8281% | 1,519 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.3054% | 2,839 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.5128% | 994 |
| Return on assets (ROA) | 1.5158% | 955 |
| Pretax return on assets | 1.8589% | 812 |
| Return on Equity (ROE) | 11.4500% | 2,108 |
| Retained earnings to average equity (ytd only) | 8.4023% | 1,425 |
| Net charge-offs to loans | 0.0011% | 2,821 |
| Credit loss provision to net charge-offs | 31,304.3478% | 11 |
| Earnings coverage of net charge-offs (x) | 2,467.9565% | 61 |
| Efficiency ratio | 51.8612% | 3,845 |
| Assets per employee ($millions) | 7.6641% | 1,614 |
| Cash dividends to net income (ytd only)* | 26.6245% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 1,436 |
| Loan loss allowance to noncurrent loans | 25,373.6000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,791 |
| Noncurrent loans to loans | 0.0055% | 3,738 |
| Net loans and leases to total assets | 77.5300% | 912 |
| Net loans and leases to deposits | 106.8464% | 263 |
| Net loans and leases to core deposits | 121.0981% | 590 |
| Total domestic deposits to total assets | 72.5600% | 4,197 |
| Equity capital to assets | 12.8189% | 895 |
| Core capital (leverage) ratio | 13.6596% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3521% | 860 |
| Memoranda: | ||
| Average total assets | $2,672,045,400 | 440 |
| Average earning assets | $2,498,054,800 | 422 |
| Average equity | $353,711,600 | 345 |
| Average total loans | $2,004,162,600 | 402 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 1,700 |
| Cost of funding earning assets | 1.1491% | 2,593 |
| Net interest margin | 3.9173% | 1,366 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.3399% | 2,677 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.5779% | 966 |
| Return on assets (ROA) | 1.5694% | 977 |
| Pretax return on assets | 1.9407% | 817 |
| Return on Equity (ROE) | 11.7500% | 2,194 |
| Retained earnings to average equity (ytd only) | 8.5034% | 1,814 |
| Net charge-offs to loans | 0.0009% | 2,605 |
| Credit loss provision to net charge-offs | 36,923.0769% | 5 |
| Earnings coverage of net charge-offs (x) | 3,308.9231% | 28 |
| Efficiency ratio | 51.4051% | 3,802 |
| Assets per employee ($millions) | 7.5729% | 1,584 |
| Cash dividends to net income (ytd only)* | 27.6412% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 1,523 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 73.9200% | 1,349 |
| Net loans and leases to deposits | 94.1232% | 886 |
| Net loans and leases to core deposits | 106.4082% | 995 |
| Total domestic deposits to total assets | 78.5400% | 3,760 |
| Equity capital to assets | 12.5528% | 905 |
| Core capital (leverage) ratio | 13.8982% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7518% | 852 |
| Memoranda: | ||
| Average total assets | $2,611,968,250 | 449 |
| Average earning assets | $2,441,548,250 | 432 |
| Average equity | $348,806,750 | 350 |
| Average total loans | $1,932,781,250 | 418 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 1,599 |
| Cost of funding earning assets | 0.9048% | 2,910 |
| Net interest margin | 4.0728% | 1,126 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.3606% | 2,616 |
| Loan and lease loss provision to assets | 0.3000% | 309 |
| Net operating income to assets | 1.6533% | 865 |
| Return on assets (ROA) | 1.6535% | 866 |
| Pretax return on assets | 2.0635% | 673 |
| Return on Equity (ROE) | 12.1100% | 2,122 |
| Retained earnings to average equity (ytd only) | 8.8416% | 1,722 |
| Net charge-offs to loans | 0.0007% | 2,413 |
| Credit loss provision to net charge-offs | 54,285.7143% | 10 |
| Earnings coverage of net charge-offs (x) | 4,282.8571% | 24 |
| Efficiency ratio | 49.8081% | 3,945 |
| Assets per employee ($millions) | 7.3000% | 1,720 |
| Cash dividends to net income (ytd only)* | 26.9977% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 1,578 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,238 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 75.3900% | 1,114 |
| Net loans and leases to deposits | 97.1751% | 660 |
| Net loans and leases to core deposits | 106.4101% | 966 |
| Total domestic deposits to total assets | 77.5800% | 3,889 |
| Equity capital to assets | 13.1902% | 773 |
| Core capital (leverage) ratio | 14.3691% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7564% | 848 |
| Memoranda: | ||
| Average total assets | $2,538,541,333 | 445 |
| Average earning assets | $2,373,772,333 | 436 |
| Average equity | $346,567,000 | 343 |
| Average total loans | $1,869,365,333 | 414 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 1,529 |
| Cost of funding earning assets | 0.6258% | 3,302 |
| Net interest margin | 4.2132% | 930 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 2.3711% | 2,605 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 1.7523% | 749 |
| Return on assets (ROA) | 1.7661% | 712 |
| Pretax return on assets | 2.2252% | 551 |
| Return on Equity (ROE) | 12.7000% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.4063% | 1,834 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.5446% | 4,056 |
| Assets per employee ($millions) | 7.4401% | 1,656 |
| Cash dividends to net income (ytd only)* | 25.9575% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,509 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,221 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 71.7700% | 1,449 |
| Net loans and leases to deposits | 90.9044% | 985 |
| Net loans and leases to core deposits | 93.5892% | 1,417 |
| Total domestic deposits to total assets | 78.9500% | 3,902 |
| Equity capital to assets | 13.6252% | 647 |
| Core capital (leverage) ratio | 14.8606% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8820% | 752 |
| Memoranda: | ||
| Average total assets | $2,471,903,500 | 468 |
| Average earning assets | $2,315,768,500 | 458 |
| Average equity | $343,641,000 | 358 |
| Average total loans | $1,782,733,500 | 437 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 1,855 |
| Cost of funding earning assets | 0.2344% | 3,469 |
| Net interest margin | 3.7159% | 1,343 |
| Noninterest income to average assets | 1.0600% | 580 |
| Noninterest expense to average assets | 2.5411% | 1,990 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5520% | 778 |
| Return on assets (ROA) | 1.5223% | 807 |
| Pretax return on assets | 1.9205% | 554 |
| Return on Equity (ROE) | 13.1700% | 1,753 |
| Retained earnings to average equity (ytd only) | 10.8696% | 915 |
| Net charge-offs to loans | 0.0091% | 2,044 |
| Credit loss provision to net charge-offs | 753.4247% | 513 |
| Earnings coverage of net charge-offs (x) | 311.3562% | 475 |
| Efficiency ratio | 55.6977% | 3,610 |
| Assets per employee ($millions) | 6.5938% | 2,257 |
| Cash dividends to net income (ytd only)* | 17.4912% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,579 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,212 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.5700% | 1,575 |
| Net loans and leases to deposits | 87.4332% | 1,208 |
| Net loans and leases to core deposits | 89.3474% | 1,540 |
| Total domestic deposits to total assets | 80.7100% | 3,792 |
| Equity capital to assets | 14.1936% | 557 |
| Core capital (leverage) ratio | 15.0587% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6358% | 659 |
| Memoranda: | ||
| Average total assets | $2,265,396,800 | 499 |
| Average earning assets | $2,125,556,800 | 482 |
| Average equity | $261,776,000 | 428 |
| Average total loans | $1,603,624,000 | 447 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 2,023 |
| Cost of funding earning assets | 0.1905% | 3,389 |
| Net interest margin | 3.5179% | 1,615 |
| Noninterest income to average assets | 1.1400% | 542 |
| Noninterest expense to average assets | 2.5790% | 1,768 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.4583% | 936 |
| Return on assets (ROA) | 1.4168% | 1,012 |
| Pretax return on assets | 1.7789% | 768 |
| Return on Equity (ROE) | 13.0700% | 1,678 |
| Retained earnings to average equity (ytd only) | 9.7403% | 1,419 |
| Net charge-offs to loans | 0.0127% | 1,646 |
| Credit loss provision to net charge-offs | 333.3333% | 763 |
| Earnings coverage of net charge-offs (x) | 207.4667% | 609 |
| Efficiency ratio | 57.9105% | 3,392 |
| Assets per employee ($millions) | 6.1923% | 2,582 |
| Cash dividends to net income (ytd only)* | 25.4536% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 2,690 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 3,264 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 70.6800% | 1,421 |
| Net loans and leases to deposits | 82.7530% | 1,381 |
| Net loans and leases to core deposits | 84.6663% | 1,605 |
| Total domestic deposits to total assets | 85.4200% | 3,197 |
| Equity capital to assets | 10.4520% | 1,395 |
| Core capital (leverage) ratio | 11.3072% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4705% | 1,578 |
| Memoranda: | ||
| Average total assets | $2,230,063,000 | 501 |
| Average earning assets | $2,092,329,250 | 489 |
| Average equity | $241,819,750 | 459 |
| Average total loans | $1,574,949,500 | 452 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5133% | 2,097 |
| Cost of funding earning assets | 0.1770% | 3,216 |
| Net interest margin | 3.3363% | 1,800 |
| Noninterest income to average assets | 1.2498% | 450 |
| Noninterest expense to average assets | 2.5974% | 1,646 |
| Loan and lease loss provision to assets | 0.0091% | 2,430 |
| Net operating income to assets | 1.4214% | 856 |
| Return on assets (ROA) | 1.3794% | 938 |
| Pretax return on assets | 1.7233% | 710 |
| Return on Equity (ROE) | 12.5626% | 1,506 |
| Retained earnings to average equity (ytd only) | 9.2389% | 1,212 |
| Net charge-offs to loans | 0.0173% | 1,400 |
| Credit loss provision to net charge-offs | 74.6269% | 1,412 |
| Earnings coverage of net charge-offs (x) | 146.7537% | 656 |
| Efficiency ratio | 59.0779% | 3,429 |
| Assets per employee ($millions) | 6.1995% | 2,564 |
| Cash dividends to net income (ytd only)* | 26.4574% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,331 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.2048% | 1,185 |
| Net loans and leases to deposits | 83.5862% | 1,149 |
| Net loans and leases to core deposits | 85.5545% | 1,372 |
| Total domestic deposits to total assets | 85.1872% | 3,444 |
| Equity capital to assets | 10.8891% | 1,262 |
| Core capital (leverage) ratio | 11.1584% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6947% | 1,510 |
| Memoranda: | ||
| Average total assets | $2,203,514,000 | 507 |
| Average earning assets | $2,068,852,333 | 499 |
| Average equity | $241,956,333 | 457 |
| Average total loans | $1,549,285,667 | 452 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 2,084 |
| Cost of funding earning assets | 0.1743% | 3,168 |
| Net interest margin | 3.2276% | 1,796 |
| Noninterest income to average assets | 1.4065% | 382 |
| Noninterest expense to average assets | 2.6014% | 1,599 |
| Loan and lease loss provision to assets | 0.0182% | 2,029 |
| Net operating income to assets | 1.4768% | 666 |
| Return on assets (ROA) | 1.4265% | 744 |
| Pretax return on assets | 1.7614% | 601 |
| Return on Equity (ROE) | 12.9369% | 1,048 |
| Retained earnings to average equity (ytd only) | 9.6143% | 1,120 |
| Net charge-offs to loans | 0.0336% | 967 |
| Credit loss provision to net charge-offs | 78.1250% | 1,115 |
| Earnings coverage of net charge-offs (x) | 78.9766% | 748 |
| Efficiency ratio | 58.3443% | 3,644 |
| Assets per employee ($millions) | 6.3688% | 2,482 |
| Cash dividends to net income (ytd only)* | 25.6833% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 3,417 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 66.9637% | 1,313 |
| Net loans and leases to deposits | 78.4096% | 1,251 |
| Net loans and leases to core deposits | 80.3336% | 1,456 |
| Total domestic deposits to total assets | 85.4025% | 3,433 |
| Equity capital to assets | 10.7677% | 1,460 |
| Core capital (leverage) ratio | 11.0353% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9292% | 1,534 |
| Memoranda: | ||
| Average total assets | $2,195,563,500 | 511 |
| Average earning assets | $2,065,668,000 | 504 |
| Average equity | $242,097,500 | 464 |
| Average total loans | $1,524,287,500 | 455 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5952% | 2,405 |
| Cost of funding earning assets | 0.1959% | 3,514 |
| Net interest margin | 3.3993% | 2,036 |
| Noninterest income to average assets | 1.4644% | 522 |
| Noninterest expense to average assets | 2.6187% | 1,826 |
| Loan and lease loss provision to assets | 0.0538% | 1,981 |
| Net operating income to assets | 1.5546% | 899 |
| Return on assets (ROA) | 1.5461% | 958 |
| Pretax return on assets | 1.9945% | 606 |
| Return on Equity (ROE) | 13.6868% | 1,269 |
| Retained earnings to average equity (ytd only) | 10.8389% | 736 |
| Net charge-offs to loans | 0.0011% | 2,639 |
| Credit loss provision to net charge-offs | 7,333.3333% | 97 |
| Earnings coverage of net charge-offs (x) | 2,807.5333% | 47 |
| Efficiency ratio | 55.7310% | 3,730 |
| Assets per employee ($millions) | 5.7933% | 2,960 |
| Cash dividends to net income (ytd only)* | 20.8076% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,664 |
| Loan loss allowance to noncurrent loans | 985.7736% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 3,311 |
| Noncurrent loans to loans | 0.1260% | 3,300 |
| Net loans and leases to total assets | 70.2285% | 1,021 |
| Net loans and leases to deposits | 82.4052% | 1,024 |
| Net loans and leases to core deposits | 84.5828% | 1,290 |
| Total domestic deposits to total assets | 85.2233% | 3,202 |
| Equity capital to assets | 11.2968% | 1,608 |
| Core capital (leverage) ratio | 10.9537% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0120% | 1,507 |
| Memoranda: | ||
| Average total assets | $2,045,283,800 | 519 |
| Average earning assets | $1,933,367,800 | 512 |
| Average equity | $231,048,200 | 477 |
| Average total loans | $1,422,353,400 | 483 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 2,590 |
| Cost of funding earning assets | 0.2003% | 3,603 |
| Net interest margin | 3.3887% | 2,185 |
| Noninterest income to average assets | 1.5032% | 546 |
| Noninterest expense to average assets | 2.6252% | 1,770 |
| Loan and lease loss provision to assets | 0.0396% | 2,204 |
| Net operating income to assets | 1.5814% | 1,075 |
| Return on assets (ROA) | 1.5735% | 1,138 |
| Pretax return on assets | 2.0345% | 754 |
| Return on Equity (ROE) | 13.9292% | 1,411 |
| Retained earnings to average equity (ytd only) | 10.0832% | 1,291 |
| Net charge-offs to loans | 0.0011% | 2,397 |
| Credit loss provision to net charge-offs | 5,000.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 2,630.2500% | 53 |
| Efficiency ratio | 55.4836% | 3,592 |
| Assets per employee ($millions) | 5.8545% | 2,830 |
| Cash dividends to net income (ytd only)* | 27.6111% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 67.1808% | 1,410 |
| Net loans and leases to deposits | 78.9495% | 1,391 |
| Net loans and leases to core deposits | 80.9004% | 1,661 |
| Total domestic deposits to total assets | 85.0934% | 3,083 |
| Equity capital to assets | 10.8835% | 2,093 |
| Core capital (leverage) ratio | 10.9293% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9448% | 1,629 |
| Memoranda: | ||
| Average total assets | $2,019,277,750 | 526 |
| Average earning assets | $1,910,453,000 | 518 |
| Average equity | $228,109,750 | 484 |
| Average total loans | $1,395,838,750 | 499 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6009% | 2,615 |
| Cost of funding earning assets | 0.2061% | 3,690 |
| Net interest margin | 3.3948% | 2,153 |
| Noninterest income to average assets | 1.6076% | 480 |
| Noninterest expense to average assets | 2.6262% | 1,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6947% | 882 |
| Return on assets (ROA) | 1.6859% | 942 |
| Pretax return on assets | 2.1845% | 595 |
| Return on Equity (ROE) | 14.7272% | 1,225 |
| Retained earnings to average equity (ytd only) | 10.5982% | 1,218 |
| Net charge-offs to loans | 0.0004% | 2,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 7,217.3333% | 10 |
| Efficiency ratio | 54.1935% | 3,774 |
| Assets per employee ($millions) | 5.3251% | 3,320 |
| Cash dividends to net income (ytd only)* | 28.0361% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 2,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.7700% | 1,228 |
| Net loans and leases to deposits | 82.4767% | 1,177 |
| Net loans and leases to core deposits | 87.0511% | 1,343 |
| Total domestic deposits to total assets | 84.5936% | 3,260 |
| Equity capital to assets | 11.5731% | 1,588 |
| Core capital (leverage) ratio | 11.0023% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5273% | 1,464 |
| Memoranda: | ||
| Average total assets | $1,972,261,667 | 533 |
| Average earning assets | $1,867,371,333 | 524 |
| Average equity | $225,773,333 | 483 |
| Average total loans | $1,371,180,333 | 510 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7273% | 2,295 |
| Cost of funding earning assets | 0.2139% | 3,790 |
| Net interest margin | 3.5134% | 1,790 |
| Noninterest income to average assets | 1.7009% | 491 |
| Noninterest expense to average assets | 2.5095% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9414% | 617 |
| Return on assets (ROA) | 1.9217% | 685 |
| Pretax return on assets | 2.5017% | 437 |
| Return on Equity (ROE) | 16.8814% | 867 |
| Retained earnings to average equity (ytd only) | 11.9655% | 1,157 |
| Net charge-offs to loans | 0.0006% | 1,921 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 6,190.0000% | 4 |
| Efficiency ratio | 49.5623% | 4,224 |
| Assets per employee ($millions) | 5.4544% | 3,160 |
| Cash dividends to net income (ytd only)* | 29.1206% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 2,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 67.5331% | 1,591 |
| Net loans and leases to deposits | 78.9997% | 1,615 |
| Net loans and leases to core deposits | 82.7244% | 1,780 |
| Total domestic deposits to total assets | 85.4852% | 2,930 |
| Equity capital to assets | 11.0020% | 1,859 |
| Core capital (leverage) ratio | 11.1968% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8954% | 1,328 |
| Memoranda: | ||
| Average total assets | $1,959,944,500 | 529 |
| Average earning assets | $1,860,551,000 | 520 |
| Average equity | $223,109,000 | 482 |
| Average total loans | $1,351,203,500 | 520 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 1,987 |
| Cost of funding earning assets | 0.2921% | 4,191 |
| Net interest margin | 3.9630% | 1,056 |
| Noninterest income to average assets | 2.0068% | 329 |
| Noninterest expense to average assets | 2.8872% | 1,718 |
| Loan and lease loss provision to assets | 0.3290% | 1,096 |
| Net operating income to assets | 1.9048% | 317 |
| Return on assets (ROA) | 1.9122% | 331 |
| Pretax return on assets | 2.5253% | 181 |
| Return on Equity (ROE) | 15.1545% | 616 |
| Retained earnings to average equity (ytd only) | 12.3304% | 290 |
| Net charge-offs to loans | 0.0048% | 3,183 |
| Credit loss provision to net charge-offs | 9,152.5424% | 114 |
| Earnings coverage of net charge-offs (x) | 791.4746% | 151 |
| Efficiency ratio | 50.0436% | 4,527 |
| Assets per employee ($millions) | 5.1356% | 3,249 |
| Cash dividends to net income (ytd only)* | 18.6351% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 68.5671% | 1,754 |
| Net loans and leases to deposits | 81.9314% | 1,669 |
| Net loans and leases to core deposits | 86.0578% | 1,863 |
| Total domestic deposits to total assets | 83.6885% | 3,208 |
| Equity capital to assets | 11.7997% | 1,679 |
| Core capital (leverage) ratio | 11.0709% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3764% | 1,177 |
| Memoranda: | ||
| Average total assets | $1,641,435,800 | 573 |
| Average earning assets | $1,542,954,000 | 562 |
| Average equity | $207,113,600 | 493 |
| Average total loans | $1,240,249,000 | 530 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2813% | 2,159 |
| Cost of funding earning assets | 0.3150% | 4,249 |
| Net interest margin | 3.9663% | 1,192 |
| Noninterest income to average assets | 1.9564% | 328 |
| Noninterest expense to average assets | 2.8620% | 1,797 |
| Loan and lease loss provision to assets | 0.4295% | 778 |
| Net operating income to assets | 1.7920% | 459 |
| Return on assets (ROA) | 1.8038% | 500 |
| Pretax return on assets | 2.3996% | 246 |
| Return on Equity (ROE) | 14.0261% | 879 |
| Retained earnings to average equity (ytd only) | 11.0635% | 561 |
| Net charge-offs to loans | -0.0012% | 3,832 |
| Credit loss provision to net charge-offs | -46,363.6364% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0705% | 4,486 |
| Assets per employee ($millions) | 4.9049% | 3,371 |
| Cash dividends to net income (ytd only)* | 21.1224% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 2,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 77.1935% | 935 |
| Net loans and leases to deposits | 93.3227% | 979 |
| Net loans and leases to core deposits | 97.0639% | 1,376 |
| Total domestic deposits to total assets | 82.7168% | 3,217 |
| Equity capital to assets | 11.9570% | 1,703 |
| Core capital (leverage) ratio | 11.7281% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4008% | 1,397 |
| Memoranda: | ||
| Average total assets | $1,583,172,250 | 576 |
| Average earning assets | $1,484,829,000 | 563 |
| Average equity | $203,596,000 | 491 |
| Average total loans | $1,224,514,750 | 532 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 2,133 |
| Cost of funding earning assets | 0.3546% | 4,250 |
| Net interest margin | 4.0729% | 1,174 |
| Noninterest income to average assets | 1.8878% | 315 |
| Noninterest expense to average assets | 2.9170% | 1,788 |
| Loan and lease loss provision to assets | 0.5009% | 715 |
| Net operating income to assets | 1.7656% | 545 |
| Return on assets (ROA) | 1.7840% | 567 |
| Pretax return on assets | 2.3041% | 303 |
| Return on Equity (ROE) | 13.5014% | 978 |
| Retained earnings to average equity (ytd only) | 10.9029% | 617 |
| Net charge-offs to loans | -0.0017% | 3,801 |
| Credit loss provision to net charge-offs | -38,000.0000% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8141% | 4,459 |
| Assets per employee ($millions) | 4.8420% | 3,372 |
| Cash dividends to net income (ytd only)* | 19.2464% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,359 |
| Loan loss allowance to noncurrent loans | 18,190.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,564 |
| Noncurrent loans to loans | 0.0068% | 4,495 |
| Net loans and leases to total assets | 78.3304% | 811 |
| Net loans and leases to deposits | 95.7462% | 819 |
| Net loans and leases to core deposits | 99.7292% | 1,277 |
| Total domestic deposits to total assets | 81.8105% | 3,421 |
| Equity capital to assets | 12.3227% | 1,467 |
| Core capital (leverage) ratio | 12.0036% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1938% | 1,448 |
| Memoranda: | ||
| Average total assets | $1,517,404,000 | 584 |
| Average earning assets | $1,419,768,667 | 571 |
| Average equity | $200,497,333 | 495 |
| Average total loans | $1,168,658,000 | 542 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 1,650 |
| Cost of funding earning assets | 0.4247% | 4,259 |
| Net interest margin | 4.2975% | 763 |
| Noninterest income to average assets | 1.5977% | 353 |
| Noninterest expense to average assets | 3.0303% | 1,808 |
| Loan and lease loss provision to assets | 0.3621% | 846 |
| Net operating income to assets | 1.7201% | 495 |
| Return on assets (ROA) | 1.7454% | 506 |
| Pretax return on assets | 2.2534% | 262 |
| Return on Equity (ROE) | 12.7083% | 936 |
| Retained earnings to average equity (ytd only) | 10.4834% | 647 |
| Net charge-offs to loans | -0.0052% | 3,876 |
| Credit loss provision to net charge-offs | -9,285.7143% | 3,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5675% | 4,426 |
| Assets per employee ($millions) | 4.2615% | 3,576 |
| Cash dividends to net income (ytd only)* | 17.5072% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,394 |
| Loan loss allowance to noncurrent loans | 1,360.2941% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,250 |
| Noncurrent loans to loans | 0.0919% | 4,143 |
| Net loans and leases to total assets | 75.6810% | 1,356 |
| Net loans and leases to deposits | 93.0395% | 1,179 |
| Net loans and leases to core deposits | 97.3009% | 1,698 |
| Total domestic deposits to total assets | 81.3429% | 3,588 |
| Equity capital to assets | 13.8881% | 1,099 |
| Core capital (leverage) ratio | 13.0441% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6497% | 1,432 |
| Memoranda: | ||
| Average total assets | $1,436,027,000 | 589 |
| Average earning assets | $1,341,985,000 | 577 |
| Average equity | $197,226,000 | 502 |
| Average total loans | $1,086,764,000 | 555 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 1,408 |
| Cost of funding earning assets | 0.4140% | 4,399 |
| Net interest margin | 4.6130% | 558 |
| Noninterest income to average assets | 1.7744% | 311 |
| Noninterest expense to average assets | 3.2055% | 1,510 |
| Loan and lease loss provision to assets | 0.0641% | 2,749 |
| Net operating income to assets | 2.1813% | 231 |
| Return on assets (ROA) | 2.1929% | 238 |
| Pretax return on assets | 2.8122% | 124 |
| Return on Equity (ROE) | 17.0096% | 419 |
| Retained earnings to average equity (ytd only) | 12.6427% | 188 |
| Net charge-offs to loans | -0.0058% | 4,365 |
| Credit loss provision to net charge-offs | -1,475.4098% | 4,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3812% | 4,576 |
| Assets per employee ($millions) | 4.2356% | 3,591 |
| Cash dividends to net income (ytd only)* | 25.6731% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,543 |
| Loan loss allowance to noncurrent loans | 1,432.2691% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 4,313 |
| Noncurrent loans to loans | 0.0825% | 4,193 |
| Net loans and leases to total assets | 73.8184% | 1,786 |
| Net loans and leases to deposits | 90.9366% | 1,487 |
| Net loans and leases to core deposits | 95.2724% | 1,962 |
| Total domestic deposits to total assets | 81.1757% | 3,729 |
| Equity capital to assets | 13.5774% | 1,253 |
| Core capital (leverage) ratio | 12.5854% | 1,438 |
| Tier 1 risk-based capital ratio | 15.6929% | 2,505 |
| Total risk-based capital ratio | 16.8490% | 2,479 |
| Memoranda: | ||
| Average total assets | $1,404,113,400 | 579 |
| Average earning assets | $1,306,611,200 | 571 |
| Average equity | $181,021,400 | 515 |
| Average total loans | $1,056,248,800 | 547 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0552% | 1,400 |
| Cost of funding earning assets | 0.4002% | 4,501 |
| Net interest margin | 4.6550% | 544 |
| Noninterest income to average assets | 1.7795% | 315 |
| Noninterest expense to average assets | 3.1886% | 1,490 |
| Loan and lease loss provision to assets | 0.1429% | 1,343 |
| Net operating income to assets | 2.1682% | 288 |
| Return on assets (ROA) | 2.1862% | 289 |
| Pretax return on assets | 2.7983% | 150 |
| Return on Equity (ROE) | 17.1897% | 460 |
| Retained earnings to average equity (ytd only) | 12.4655% | 329 |
| Net charge-offs to loans | 0.0780% | 1,711 |
| Credit loss provision to net charge-offs | 243.1118% | 1,120 |
| Earnings coverage of net charge-offs (x) | 49.6432% | 1,202 |
| Efficiency ratio | 51.7489% | 4,617 |
| Assets per employee ($millions) | 4.2355% | 3,566 |
| Cash dividends to net income (ytd only)* | 27.4831% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 2,679 |
| Loan loss allowance to noncurrent loans | 96,023.0769% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 3,130 |
| Noncurrent loans to loans | 0.0012% | 4,694 |
| Net loans and leases to total assets | 73.4458% | 1,924 |
| Net loans and leases to deposits | 89.9251% | 1,704 |
| Net loans and leases to core deposits | 93.9711% | 2,181 |
| Total domestic deposits to total assets | 81.6744% | 3,567 |
| Equity capital to assets | 12.9867% | 1,637 |
| Core capital (leverage) ratio | 12.9706% | 1,357 |
| Tier 1 risk-based capital ratio | 15.2452% | 2,742 |
| Total risk-based capital ratio | 16.4018% | 2,714 |
| Memoranda: | ||
| Average total assets | $1,399,354,000 | 585 |
| Average earning assets | $1,300,914,250 | 577 |
| Average equity | $177,970,000 | 523 |
| Average total loans | $1,054,533,750 | 545 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1392% | 1,130 |
| Cost of funding earning assets | 0.3966% | 4,522 |
| Net interest margin | 4.7426% | 454 |
| Noninterest income to average assets | 1.7948% | 309 |
| Noninterest expense to average assets | 3.2333% | 1,439 |
| Loan and lease loss provision to assets | 0.0289% | 3,241 |
| Net operating income to assets | 2.2988% | 218 |
| Return on assets (ROA) | 2.3200% | 215 |
| Pretax return on assets | 2.9692% | 127 |
| Return on Equity (ROE) | 18.3763% | 363 |
| Retained earnings to average equity (ytd only) | 12.9954% | 304 |
| Net charge-offs to loans | -0.0051% | 4,128 |
| Credit loss provision to net charge-offs | -740.7407% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6446% | 4,677 |
| Assets per employee ($millions) | 3.9663% | 3,912 |
| Cash dividends to net income (ytd only)* | 29.2815% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 2,903 |
| Loan loss allowance to noncurrent loans | 181.9818% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 2,580 |
| Noncurrent loans to loans | 0.6206% | 2,405 |
| Net loans and leases to total assets | 78.1509% | 1,194 |
| Net loans and leases to deposits | 96.8665% | 947 |
| Net loans and leases to core deposits | 100.3597% | 1,689 |
| Total domestic deposits to total assets | 80.6790% | 3,897 |
| Equity capital to assets | 13.7013% | 1,242 |
| Core capital (leverage) ratio | 12.9028% | 1,353 |
| Tier 1 risk-based capital ratio | 14.7901% | 2,920 |
| Total risk-based capital ratio | 15.9167% | 2,912 |
| Memoranda: | ||
| Average total assets | $1,385,777,670 | 587 |
| Average earning assets | $1,288,479,000 | 578 |
| Average equity | $174,953,670 | 529 |
| Average total loans | $1,049,324,000 | 549 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 1,089 |
| Cost of funding earning assets | 0.3842% | 4,556 |
| Net interest margin | 4.7185% | 475 |
| Noninterest income to average assets | 1.9925% | 250 |
| Noninterest expense to average assets | 3.1434% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5052% | 159 |
| Return on assets (ROA) | 2.5243% | 161 |
| Pretax return on assets | 3.2818% | 102 |
| Return on Equity (ROE) | 20.8253% | 222 |
| Retained earnings to average equity (ytd only) | 13.5861% | 393 |
| Net charge-offs to loans | -0.0065% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6631% | 4,915 |
| Assets per employee ($millions) | 4.1347% | 3,718 |
| Cash dividends to net income (ytd only)* | 34.7617% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 3,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 73.4524% | 1,905 |
| Net loans and leases to deposits | 88.6135% | 1,788 |
| Net loans and leases to core deposits | 93.2504% | 2,192 |
| Total domestic deposits to total assets | 82.8908% | 3,423 |
| Equity capital to assets | 12.4140% | 1,790 |
| Core capital (leverage) ratio | 11.9969% | 1,774 |
| Tier 1 risk-based capital ratio | 14.4393% | 3,125 |
| Total risk-based capital ratio | 15.5583% | 3,121 |
| Memoranda: | ||
| Average total assets | $1,416,287,500 | 577 |
| Average earning assets | $1,323,208,500 | 569 |
| Average equity | $171,676,000 | 534 |
| Average total loans | $1,050,417,500 | 551 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 2,250 |
| Cost of funding earning assets | 0.3083% | 4,531 |
| Net interest margin | 4.2543% | 1,267 |
| Noninterest income to average assets | 1.5941% | 375 |
| Noninterest expense to average assets | 3.2304% | 1,479 |
| Loan and lease loss provision to assets | 0.0532% | 3,118 |
| Net operating income to assets | 1.8170% | 533 |
| Return on assets (ROA) | 1.8081% | 535 |
| Pretax return on assets | 2.2912% | 300 |
| Return on Equity (ROE) | 14.9297% | 845 |
| Retained earnings to average equity (ytd only) | -0.7103% | 5,062 |
| Net charge-offs to loans | 0.0015% | 3,709 |
| Credit loss provision to net charge-offs | 5,000.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 2,215.9286% | 42 |
| Efficiency ratio | 57.7846% | 4,186 |
| Assets per employee ($millions) | 4.2090% | 3,605 |
| Cash dividends to net income (ytd only)* | 104.7579% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 73.2432% | 2,054 |
| Net loans and leases to deposits | 88.8545% | 1,944 |
| Net loans and leases to core deposits | 93.7949% | 2,244 |
| Total domestic deposits to total assets | 82.4304% | 3,511 |
| Equity capital to assets | 11.8317% | 2,009 |
| Core capital (leverage) ratio | 11.4615% | 2,134 |
| Tier 1 risk-based capital ratio | 13.9597% | 3,306 |
| Total risk-based capital ratio | 15.0868% | 3,297 |
| Memoranda: | ||
| Average total assets | $1,317,017,000 | 599 |
| Average earning assets | $1,235,762,400 | 586 |
| Average equity | $159,501,200 | 540 |
| Average total loans | $956,035,200 | 581 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 2,285 |
| Cost of funding earning assets | 0.2955% | 4,552 |
| Net interest margin | 4.2096% | 1,333 |
| Noninterest income to average assets | 1.5859% | 388 |
| Noninterest expense to average assets | 3.1251% | 1,701 |
| Loan and lease loss provision to assets | 0.0413% | 3,167 |
| Net operating income to assets | 1.8735% | 519 |
| Return on assets (ROA) | 1.8735% | 520 |
| Pretax return on assets | 2.3745% | 290 |
| Return on Equity (ROE) | 15.3719% | 813 |
| Retained earnings to average equity (ytd only) | 11.4211% | 568 |
| Net charge-offs to loans | 0.0010% | 3,466 |
| Credit loss provision to net charge-offs | 5,714.2857% | 70 |
| Earnings coverage of net charge-offs (x) | 3,341.8242% | 18 |
| Efficiency ratio | 56.3997% | 4,328 |
| Assets per employee ($millions) | 4.1321% | 3,682 |
| Cash dividends to net income (ytd only)* | 25.7017% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 2,791 |
| Loan loss allowance to noncurrent loans | 75,380.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,039 |
| Noncurrent loans to loans | 0.0016% | 4,948 |
| Net loans and leases to total assets | 73.3242% | 2,112 |
| Net loans and leases to deposits | 89.9263% | 1,906 |
| Net loans and leases to core deposits | 94.0073% | 2,287 |
| Total domestic deposits to total assets | 81.5381% | 3,730 |
| Equity capital to assets | 12.5755% | 1,538 |
| Core capital (leverage) ratio | 12.2332% | 1,655 |
| Tier 1 risk-based capital ratio | 15.0864% | 2,843 |
| Total risk-based capital ratio | 16.2763% | 2,794 |
| Memoranda: | ||
| Average total assets | $1,290,609,750 | 608 |
| Average earning assets | $1,212,568,750 | 594 |
| Average equity | $157,295,750 | 543 |
| Average total loans | $931,646,250 | 592 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 2,518 |
| Cost of funding earning assets | 0.2765% | 4,586 |
| Net interest margin | 4.0910% | 1,586 |
| Noninterest income to average assets | 1.5626% | 399 |
| Noninterest expense to average assets | 3.1192% | 1,737 |
| Loan and lease loss provision to assets | 0.0622% | 2,661 |
| Net operating income to assets | 1.7688% | 623 |
| Return on assets (ROA) | 1.7688% | 626 |
| Pretax return on assets | 2.2281% | 371 |
| Return on Equity (ROE) | 14.6707% | 925 |
| Retained earnings to average equity (ytd only) | 11.0191% | 668 |
| Net charge-offs to loans | 0.0002% | 3,207 |
| Credit loss provision to net charge-offs | 40,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 14,737.0000% | 3 |
| Efficiency ratio | 57.6620% | 4,293 |
| Assets per employee ($millions) | 4.1825% | 3,607 |
| Cash dividends to net income (ytd only)* | 24.8902% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,839 |
| Loan loss allowance to noncurrent loans | 420.0891% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 3,996 |
| Noncurrent loans to loans | 0.2806% | 3,697 |
| Net loans and leases to total assets | 70.8504% | 2,456 |
| Net loans and leases to deposits | 85.8141% | 2,338 |
| Net loans and leases to core deposits | 89.4306% | 2,615 |
| Total domestic deposits to total assets | 82.5627% | 3,547 |
| Equity capital to assets | 11.8868% | 1,934 |
| Core capital (leverage) ratio | 11.9227% | 1,767 |
| Tier 1 risk-based capital ratio | 14.6702% | 3,032 |
| Total risk-based capital ratio | 15.8642% | 2,979 |
| Memoranda: | ||
| Average total assets | $1,286,947,000 | 608 |
| Average earning assets | $1,210,121,000 | 592 |
| Average equity | $155,166,670 | 545 |
| Average total loans | $920,297,330 | 599 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 2,623 |
| Cost of funding earning assets | 0.2528% | 4,694 |
| Net interest margin | 4.0209% | 1,658 |
| Noninterest income to average assets | 1.6492% | 361 |
| Noninterest expense to average assets | 3.2667% | 1,412 |
| Loan and lease loss provision to assets | 0.0317% | 3,089 |
| Net operating income to assets | 1.6628% | 746 |
| Return on assets (ROA) | 1.6628% | 750 |
| Pretax return on assets | 2.1243% | 439 |
| Return on Equity (ROE) | 13.6890% | 1,087 |
| Retained earnings to average equity (ytd only) | 10.3496% | 1,054 |
| Net charge-offs to loans | 0.0044% | 2,579 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 679.8000% | 91 |
| Efficiency ratio | 60.2410% | 4,032 |
| Assets per employee ($millions) | 4.1136% | 3,781 |
| Cash dividends to net income (ytd only)* | 24.3944% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,879 |
| Loan loss allowance to noncurrent loans | 406.3516% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 4,057 |
| Noncurrent loans to loans | 0.2925% | 3,720 |
| Net loans and leases to total assets | 69.7113% | 2,527 |
| Net loans and leases to deposits | 83.8280% | 2,403 |
| Net loans and leases to core deposits | 86.8786% | 2,726 |
| Total domestic deposits to total assets | 83.1599% | 3,614 |
| Equity capital to assets | 11.7925% | 1,921 |
| Core capital (leverage) ratio | 12.0881% | 1,599 |
| Tier 1 risk-based capital ratio | 14.5815% | 3,079 |
| Total risk-based capital ratio | 15.7742% | 3,016 |
| Memoranda: | ||
| Average total assets | $1,261,222,500 | 625 |
| Average earning assets | $1,183,618,000 | 611 |
| Average equity | $153,203,500 | 552 |
| Average total loans | $900,660,000 | 612 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 2,971 |
| Cost of funding earning assets | 0.2210% | 4,782 |
| Net interest margin | 3.9032% | 2,079 |
| Noninterest income to average assets | 1.8305% | 338 |
| Noninterest expense to average assets | 3.2528% | 1,490 |
| Loan and lease loss provision to assets | 0.1026% | 2,173 |
| Net operating income to assets | 1.2991% | 1,223 |
| Return on assets (ROA) | 1.2991% | 1,239 |
| Pretax return on assets | 2.1264% | 375 |
| Return on Equity (ROE) | 10.3143% | 1,764 |
| Retained earnings to average equity (ytd only) | 6.9627% | 1,091 |
| Net charge-offs to loans | -0.0073% | 4,718 |
| Credit loss provision to net charge-offs | -1,967.2131% | 5,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3375% | 4,363 |
| Assets per employee ($millions) | 3.7468% | 4,366 |
| Cash dividends to net income (ytd only)* | 32.4949% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,494 |
| Loan loss allowance to noncurrent loans | 2,574.0566% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 4,965 |
| Noncurrent loans to loans | 0.0484% | 4,777 |
| Net loans and leases to total assets | 71.4443% | 2,307 |
| Net loans and leases to deposits | 87.8673% | 2,035 |
| Net loans and leases to core deposits | 90.9907% | 2,465 |
| Total domestic deposits to total assets | 81.3093% | 4,051 |
| Equity capital to assets | 12.5318% | 1,498 |
| Core capital (leverage) ratio | 12.1754% | 1,512 |
| Tier 1 risk-based capital ratio | 14.7545% | 2,958 |
| Total risk-based capital ratio | 15.9336% | 2,929 |
| Memoranda: | ||
| Average total assets | $1,169,059,600 | 641 |
| Average earning assets | $1,093,616,400 | 626 |
| Average equity | $147,242,200 | 551 |
| Average total loans | $832,413,400 | 627 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 3,191 |
| Cost of funding earning assets | 0.2156% | 4,842 |
| Net interest margin | 3.8311% | 2,282 |
| Noninterest income to average assets | 1.8352% | 352 |
| Noninterest expense to average assets | 3.1676% | 1,640 |
| Loan and lease loss provision to assets | 0.1036% | 2,041 |
| Net operating income to assets | 1.4441% | 1,004 |
| Return on assets (ROA) | 1.4441% | 1,017 |
| Pretax return on assets | 2.1485% | 410 |
| Return on Equity (ROE) | 11.4511% | 1,507 |
| Retained earnings to average equity (ytd only) | 8.1994% | 1,138 |
| Net charge-offs to loans | -0.0089% | 4,602 |
| Credit loss provision to net charge-offs | -1,636.3636% | 5,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4464% | 4,445 |
| Assets per employee ($millions) | 3.8136% | 4,292 |
| Cash dividends to net income (ytd only)* | 28.3961% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 2,833 |
| Loan loss allowance to noncurrent loans | 10,936.0825% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 5,230 |
| Noncurrent loans to loans | 0.0111% | 5,097 |
| Net loans and leases to total assets | 69.3330% | 2,658 |
| Net loans and leases to deposits | 83.5163% | 2,613 |
| Net loans and leases to core deposits | 85.9839% | 2,970 |
| Total domestic deposits to total assets | 83.0173% | 3,447 |
| Equity capital to assets | 12.1500% | 1,872 |
| Core capital (leverage) ratio | 12.4500% | 1,437 |
| Tier 1 risk-based capital ratio | 14.9645% | 2,932 |
| Total risk-based capital ratio | 16.1405% | 2,894 |
| Memoranda: | ||
| Average total assets | $1,158,769,250 | 646 |
| Average earning assets | $1,084,180,250 | 630 |
| Average equity | $146,137,000 | 556 |
| Average total loans | $821,629,750 | 641 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 3,243 |
| Cost of funding earning assets | 0.2130% | 4,858 |
| Net interest margin | 3.7761% | 2,382 |
| Noninterest income to average assets | 1.8314% | 364 |
| Noninterest expense to average assets | 3.1830% | 1,620 |
| Loan and lease loss provision to assets | 0.1061% | 1,916 |
| Net operating income to assets | 1.3989% | 1,073 |
| Return on assets (ROA) | 1.3989% | 1,095 |
| Pretax return on assets | 2.0764% | 469 |
| Return on Equity (ROE) | 10.9455% | 1,664 |
| Retained earnings to average equity (ytd only) | 7.7828% | 1,246 |
| Net charge-offs to loans | -0.0085% | 4,481 |
| Credit loss provision to net charge-offs | -1,764.7059% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3235% | 4,419 |
| Assets per employee ($millions) | 3.6266% | 4,536 |
| Cash dividends to net income (ytd only)* | 28.8948% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 2,932 |
| Loan loss allowance to noncurrent loans | 10,828.4211% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 5,267 |
| Noncurrent loans to loans | 0.0112% | 5,135 |
| Net loans and leases to total assets | 72.3447% | 2,143 |
| Net loans and leases to deposits | 87.4808% | 2,046 |
| Net loans and leases to core deposits | 90.7989% | 2,453 |
| Total domestic deposits to total assets | 82.6978% | 3,659 |
| Equity capital to assets | 12.7655% | 1,488 |
| Core capital (leverage) ratio | 12.6638% | 1,311 |
| Tier 1 risk-based capital ratio | 15.1705% | 2,857 |
| Total risk-based capital ratio | 16.3460% | 2,821 |
| Memoranda: | ||
| Average total assets | $1,130,614,330 | 661 |
| Average earning assets | $1,058,194,670 | 643 |
| Average equity | $144,498,330 | 562 |
| Average total loans | $804,646,670 | 655 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 3,524 |
| Cost of funding earning assets | 0.2110% | 4,874 |
| Net interest margin | 3.6551% | 2,676 |
| Noninterest income to average assets | 1.8005% | 363 |
| Noninterest expense to average assets | 3.1879% | 1,649 |
| Loan and lease loss provision to assets | 0.1074% | 1,781 |
| Net operating income to assets | 1.3054% | 1,223 |
| Return on assets (ROA) | 1.3054% | 1,257 |
| Pretax return on assets | 1.9276% | 592 |
| Return on Equity (ROE) | 10.2081% | 1,869 |
| Retained earnings to average equity (ytd only) | 6.8828% | 1,897 |
| Net charge-offs to loans | -0.0077% | 4,320 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0376% | 4,314 |
| Assets per employee ($millions) | 3.6714% | 4,554 |
| Cash dividends to net income (ytd only)* | 32.5747% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,868 |
| Loan loss allowance to noncurrent loans | 7,438.8060% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 5,310 |
| Noncurrent loans to loans | 0.0167% | 5,167 |
| Net loans and leases to total assets | 68.8586% | 2,553 |
| Net loans and leases to deposits | 82.7613% | 2,423 |
| Net loans and leases to core deposits | 85.9585% | 2,717 |
| Total domestic deposits to total assets | 83.2015% | 3,766 |
| Equity capital to assets | 12.5477% | 1,499 |
| Core capital (leverage) ratio | 12.5320% | 1,321 |
| Tier 1 risk-based capital ratio | 15.6948% | 2,662 |
| Total risk-based capital ratio | 16.9028% | 2,626 |
| Memoranda: | ||
| Average total assets | $1,117,476,000 | 671 |
| Average earning assets | $1,046,326,000 | 653 |
| Average equity | $142,906,000 | 561 |
| Average total loans | $783,352,000 | 674 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1415% | 2,689 |
| Cost of funding earning assets | 0.2241% | 4,795 |
| Net interest margin | 3.9175% | 1,914 |
| Noninterest income to average assets | 2.2057% | 298 |
| Noninterest expense to average assets | 3.3935% | 1,374 |
| Loan and lease loss provision to assets | 0.0887% | 2,590 |
| Net operating income to assets | 1.6023% | 679 |
| Return on assets (ROA) | 1.6023% | 702 |
| Pretax return on assets | 2.3811% | 241 |
| Return on Equity (ROE) | 11.8765% | 1,278 |
| Retained earnings to average equity (ytd only) | 8.4054% | 736 |
| Net charge-offs to loans | -0.0093% | 4,926 |
| Credit loss provision to net charge-offs | -1,285.7143% | 5,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8776% | 4,867 |
| Assets per employee ($millions) | 3.5600% | 4,666 |
| Cash dividends to net income (ytd only)* | 29.2269% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 2,754 |
| Loan loss allowance to noncurrent loans | 6,309.1503% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 5,344 |
| Noncurrent loans to loans | 0.0200% | 5,195 |
| Net loans and leases to total assets | 69.6070% | 2,540 |
| Net loans and leases to deposits | 85.4386% | 2,245 |
| Net loans and leases to core deposits | 88.9079% | 2,595 |
| Total domestic deposits to total assets | 81.4701% | 4,216 |
| Equity capital to assets | 13.0429% | 1,237 |
| Core capital (leverage) ratio | 12.4965% | 1,335 |
| Tier 1 risk-based capital ratio | 16.1496% | 2,490 |
| Total risk-based capital ratio | 17.3778% | 2,436 |
| Memoranda: | ||
| Average total assets | $1,014,757,200 | 712 |
| Average earning assets | $947,426,400 | 695 |
| Average equity | $136,900,400 | 580 |
| Average total loans | $749,556,600 | 666 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 2,661 |
| Cost of funding earning assets | 0.2226% | 4,860 |
| Net interest margin | 3.9333% | 1,867 |
| Noninterest income to average assets | 2.2006% | 310 |
| Noninterest expense to average assets | 3.4046% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6600% | 646 |
| Return on assets (ROA) | 1.6600% | 685 |
| Pretax return on assets | 2.4674% | 231 |
| Return on Equity (ROE) | 12.1944% | 1,265 |
| Retained earnings to average equity (ytd only) | 8.8730% | 857 |
| Net charge-offs to loans | -0.0086% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9803% | 4,817 |
| Assets per employee ($millions) | 3.4614% | 4,821 |
| Cash dividends to net income (ytd only)* | 27.2376% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 3,576 |
| Loan loss allowance to noncurrent loans | 4,960.7955% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 5,448 |
| Noncurrent loans to loans | 0.0231% | 5,292 |
| Net loans and leases to total assets | 70.9627% | 2,349 |
| Net loans and leases to deposits | 86.8913% | 2,155 |
| Net loans and leases to core deposits | 90.9808% | 2,481 |
| Total domestic deposits to total assets | 81.6683% | 4,048 |
| Equity capital to assets | 13.2256% | 1,382 |
| Core capital (leverage) ratio | 13.1345% | 1,139 |
| Tier 1 risk-based capital ratio | 16.0836% | 2,590 |
| Total risk-based capital ratio | 17.2169% | 2,577 |
| Memoranda: | ||
| Average total assets | $996,992,750 | 728 |
| Average earning assets | $930,602,500 | 708 |
| Average equity | $135,720,000 | 585 |
| Average total loans | $745,581,750 | 671 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 2,539 |
| Cost of funding earning assets | 0.2238% | 4,903 |
| Net interest margin | 3.9661% | 1,752 |
| Noninterest income to average assets | 2.1645% | 311 |
| Noninterest expense to average assets | 3.4261% | 1,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6562% | 634 |
| Return on assets (ROA) | 1.6562% | 677 |
| Pretax return on assets | 2.4426% | 238 |
| Return on Equity (ROE) | 12.0421% | 1,304 |
| Retained earnings to average equity (ytd only) | 9.0431% | 835 |
| Net charge-offs to loans | -0.0078% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3791% | 4,851 |
| Assets per employee ($millions) | 3.2300% | 5,162 |
| Cash dividends to net income (ytd only)* | 24.9040% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,559 |
| Loan loss allowance to noncurrent loans | 4,683.8710% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 5,522 |
| Noncurrent loans to loans | 0.0249% | 5,370 |
| Net loans and leases to total assets | 74.0995% | 1,821 |
| Net loans and leases to deposits | 92.0295% | 1,510 |
| Net loans and leases to core deposits | 96.4932% | 1,932 |
| Total domestic deposits to total assets | 80.5170% | 4,407 |
| Equity capital to assets | 13.7964% | 1,095 |
| Core capital (leverage) ratio | 13.3623% | 1,030 |
| Tier 1 risk-based capital ratio | 16.1988% | 2,547 |
| Total risk-based capital ratio | 17.3512% | 2,536 |
| Memoranda: | ||
| Average total assets | $975,106,000 | 745 |
| Average earning assets | $910,718,670 | 730 |
| Average equity | $134,112,670 | 594 |
| Average total loans | $739,836,330 | 673 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 2,438 |
| Cost of funding earning assets | 0.2234% | 4,967 |
| Net interest margin | 3.9854% | 1,658 |
| Noninterest income to average assets | 1.9717% | 344 |
| Noninterest expense to average assets | 3.4603% | 1,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5089% | 836 |
| Return on assets (ROA) | 1.5089% | 879 |
| Pretax return on assets | 2.2291% | 362 |
| Return on Equity (ROE) | 10.9885% | 1,604 |
| Retained earnings to average equity (ytd only) | 8.2255% | 1,365 |
| Net charge-offs to loans | -0.0087% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8201% | 4,633 |
| Assets per employee ($millions) | 3.2587% | 5,185 |
| Cash dividends to net income (ytd only)* | 25.1444% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 3,598 |
| Loan loss allowance to noncurrent loans | 2,429.8883% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 5,486 |
| Noncurrent loans to loans | 0.0486% | 5,291 |
| Net loans and leases to total assets | 74.7508% | 1,608 |
| Net loans and leases to deposits | 92.9266% | 1,234 |
| Net loans and leases to core deposits | 97.1921% | 1,690 |
| Total domestic deposits to total assets | 80.4406% | 4,654 |
| Equity capital to assets | 13.7556% | 1,068 |
| Core capital (leverage) ratio | 13.3229% | 1,046 |
| Tier 1 risk-based capital ratio | 15.6085% | 2,856 |
| Total risk-based capital ratio | 16.7467% | 2,852 |
| Memoranda: | ||
| Average total assets | $963,623,000 | 751 |
| Average earning assets | $898,883,500 | 735 |
| Average equity | $132,320,000 | 604 |
| Average total loans | $735,615,500 | 677 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 2,565 |
| Cost of funding earning assets | 0.2123% | 5,173 |
| Net interest margin | 3.9859% | 1,765 |
| Noninterest income to average assets | 2.2363% | 305 |
| Noninterest expense to average assets | 3.2916% | 1,738 |
| Loan and lease loss provision to assets | 0.1417% | 1,675 |
| Net operating income to assets | 1.7120% | 565 |
| Return on assets (ROA) | 1.7120% | 584 |
| Pretax return on assets | 2.5073% | 203 |
| Return on Equity (ROE) | 12.4706% | 1,189 |
| Retained earnings to average equity (ytd only) | 8.8415% | 693 |
| Net charge-offs to loans | -0.0148% | 5,202 |
| Credit loss provision to net charge-offs | -1,274.5098% | 5,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4081% | 5,400 |
| Assets per employee ($millions) | 3.3435% | 5,079 |
| Cash dividends to net income (ytd only)* | 29.1009% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 3,576 |
| Loan loss allowance to noncurrent loans | 4,878.0899% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 5,622 |
| Noncurrent loans to loans | 0.0242% | 5,418 |
| Net loans and leases to total assets | 76.1379% | 1,397 |
| Net loans and leases to deposits | 94.6994% | 1,136 |
| Net loans and leases to core deposits | 99.2862% | 1,572 |
| Total domestic deposits to total assets | 80.3996% | 4,640 |
| Equity capital to assets | 13.7069% | 1,039 |
| Core capital (leverage) ratio | 13.1719% | 1,084 |
| Tier 1 risk-based capital ratio | 15.5298% | 2,912 |
| Total risk-based capital ratio | 16.6857% | 2,902 |
| Memoranda: | ||
| Average total assets | $917,269,800 | 749 |
| Average earning assets | $852,471,200 | 741 |
| Average equity | $125,928,200 | 604 |
| Average total loans | $690,345,600 | 673 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1690% | 2,679 |
| Cost of funding earning assets | 0.2078% | 5,308 |
| Net interest margin | 3.9612% | 1,837 |
| Noninterest income to average assets | 2.3044% | 294 |
| Noninterest expense to average assets | 3.2616% | 1,797 |
| Loan and lease loss provision to assets | 0.1615% | 1,327 |
| Net operating income to assets | 1.7435% | 573 |
| Return on assets (ROA) | 1.7435% | 596 |
| Pretax return on assets | 2.5604% | 218 |
| Return on Equity (ROE) | 12.6942% | 1,196 |
| Retained earnings to average equity (ytd only) | 10.1549% | 611 |
| Net charge-offs to loans | -0.0177% | 5,159 |
| Credit loss provision to net charge-offs | -1,222.2222% | 5,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5100% | 5,473 |
| Assets per employee ($millions) | 3.3974% | 4,988 |
| Cash dividends to net income (ytd only)* | 20.0034% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 3,655 |
| Loan loss allowance to noncurrent loans | 1,238.4503% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 5,474 |
| Noncurrent loans to loans | 0.0970% | 5,246 |
| Net loans and leases to total assets | 72.7527% | 1,943 |
| Net loans and leases to deposits | 90.5487% | 1,577 |
| Net loans and leases to core deposits | 94.6826% | 2,013 |
| Total domestic deposits to total assets | 80.3465% | 4,655 |
| Equity capital to assets | 13.5227% | 1,218 |
| Core capital (leverage) ratio | 13.2893% | 1,098 |
| Tier 1 risk-based capital ratio | 16.0096% | 2,790 |
| Total risk-based capital ratio | 17.1890% | 2,769 |
| Memoranda: | ||
| Average total assets | $908,366,250 | 766 |
| Average earning assets | $843,658,250 | 756 |
| Average equity | $124,757,500 | 610 |
| Average total loans | $679,384,750 | 690 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 2,626 |
| Cost of funding earning assets | 0.2043% | 5,399 |
| Net interest margin | 3.9731% | 1,726 |
| Noninterest income to average assets | 2.2528% | 312 |
| Noninterest expense to average assets | 3.2018% | 1,978 |
| Loan and lease loss provision to assets | 0.2467% | 717 |
| Net operating income to assets | 1.7298% | 595 |
| Return on assets (ROA) | 1.7298% | 621 |
| Pretax return on assets | 2.4894% | 255 |
| Return on Equity (ROE) | 12.5254% | 1,215 |
| Retained earnings to average equity (ytd only) | 10.7440% | 539 |
| Net charge-offs to loans | -0.0125% | 4,994 |
| Credit loss provision to net charge-offs | -2,619.0476% | 5,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9223% | 5,593 |
| Assets per employee ($millions) | 3.2371% | 5,285 |
| Cash dividends to net income (ytd only)* | 14.2227% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 3,743 |
| Loan loss allowance to noncurrent loans | 1,158.5970% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 5,553 |
| Noncurrent loans to loans | 0.1042% | 5,331 |
| Net loans and leases to total assets | 75.2198% | 1,474 |
| Net loans and leases to deposits | 93.4532% | 1,205 |
| Net loans and leases to core deposits | 97.5256% | 1,687 |
| Total domestic deposits to total assets | 80.4893% | 4,751 |
| Equity capital to assets | 13.7958% | 1,059 |
| Core capital (leverage) ratio | 13.4139% | 1,010 |
| Tier 1 risk-based capital ratio | 15.5613% | 3,065 |
| Total risk-based capital ratio | 16.7292% | 3,061 |
| Memoranda: | ||
| Average total assets | $891,798,670 | 785 |
| Average earning assets | $827,164,000 | 772 |
| Average equity | $123,157,670 | 619 |
| Average total loans | $670,682,330 | 696 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 2,849 |
| Cost of funding earning assets | 0.2030% | 5,486 |
| Net interest margin | 3.8926% | 1,924 |
| Noninterest income to average assets | 2.1895% | 323 |
| Noninterest expense to average assets | 3.1604% | 2,087 |
| Loan and lease loss provision to assets | 0.3638% | 342 |
| Net operating income to assets | 1.5911% | 719 |
| Return on assets (ROA) | 1.5911% | 755 |
| Pretax return on assets | 2.2759% | 338 |
| Return on Equity (ROE) | 11.5152% | 1,473 |
| Retained earnings to average equity (ytd only) | 11.5152% | 639 |
| Net charge-offs to loans | -0.0146% | 4,898 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4884% | 5,635 |
| Assets per employee ($millions) | 3.2674% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 3,961 |
| Loan loss allowance to noncurrent loans | 3,586.2832% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 5,838 |
| Noncurrent loans to loans | 0.0336% | 5,660 |
| Net loans and leases to total assets | 73.7950% | 1,536 |
| Net loans and leases to deposits | 91.8456% | 1,206 |
| Net loans and leases to core deposits | 95.5447% | 1,645 |
| Total domestic deposits to total assets | 80.3467% | 4,978 |
| Equity capital to assets | 13.6885% | 1,097 |
| Core capital (leverage) ratio | 13.3736% | 1,024 |
| Tier 1 risk-based capital ratio | 15.8679% | 2,983 |
| Total risk-based capital ratio | 17.0468% | 2,956 |
| Memoranda: | ||
| Average total assets | $879,642,000 | 797 |
| Average earning assets | $815,900,000 | 782 |
| Average equity | $121,544,000 | 629 |
| Average total loans | $657,263,000 | 714 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 3,653 |
| Cost of funding earning assets | 0.2215% | 5,583 |
| Net interest margin | 3.7981% | 2,626 |
| Noninterest income to average assets | 1.9801% | 349 |
| Noninterest expense to average assets | 3.4618% | 1,572 |
| Loan and lease loss provision to assets | -0.0590% | 6,060 |
| Net operating income to assets | 1.4845% | 901 |
| Return on assets (ROA) | 1.4845% | 944 |
| Pretax return on assets | 2.0941% | 417 |
| Return on Equity (ROE) | 10.8828% | 1,758 |
| Retained earnings to average equity (ytd only) | 7.4846% | 1,198 |
| Net charge-offs to loans | 0.0979% | 3,107 |
| Credit loss provision to net charge-offs | -86.2069% | 5,492 |
| Earnings coverage of net charge-offs (x) | 29.7483% | 1,345 |
| Efficiency ratio | 62.9766% | 4,757 |
| Assets per employee ($millions) | 3.0624% | 5,614 |
| Cash dividends to net income (ytd only)* | 31.2252% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 4,360 |
| Loan loss allowance to noncurrent loans | 2,959.7561% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 5,930 |
| Noncurrent loans to loans | 0.0384% | 5,728 |
| Net loans and leases to total assets | 73.8972% | 1,597 |
| Net loans and leases to deposits | 92.0515% | 1,284 |
| Net loans and leases to core deposits | 95.7272% | 1,749 |
| Total domestic deposits to total assets | 80.2781% | 4,943 |
| Equity capital to assets | 13.9530% | 968 |
| Core capital (leverage) ratio | 13.0673% | 1,112 |
| Tier 1 risk-based capital ratio | 15.9339% | 2,997 |
| Total risk-based capital ratio | 17.0391% | 3,015 |
| Memoranda: | ||
| Average total assets | $847,800,600 | 794 |
| Average earning assets | $785,015,200 | 777 |
| Average equity | $115,650,800 | 627 |
| Average total loans | $592,336,600 | 744 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 3,951 |
| Cost of funding earning assets | 0.2208% | 5,657 |
| Net interest margin | 3.7325% | 2,887 |
| Noninterest income to average assets | 1.9427% | 363 |
| Noninterest expense to average assets | 3.4033% | 1,653 |
| Loan and lease loss provision to assets | -0.1104% | 6,293 |
| Net operating income to assets | 1.4964% | 951 |
| Return on assets (ROA) | 1.4964% | 979 |
| Pretax return on assets | 2.1058% | 452 |
| Return on Equity (ROE) | 11.0336% | 1,777 |
| Retained earnings to average equity (ytd only) | 8.9613% | 1,021 |
| Net charge-offs to loans | -0.0485% | 5,891 |
| Credit loss provision to net charge-offs | 331.7536% | 843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0394% | 4,718 |
| Assets per employee ($millions) | 3.1180% | 5,566 |
| Cash dividends to net income (ytd only)* | 18.7816% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 3,680 |
| Loan loss allowance to noncurrent loans | 3,087.0588% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 6,053 |
| Noncurrent loans to loans | 0.0419% | 5,847 |
| Net loans and leases to total assets | 68.8388% | 2,405 |
| Net loans and leases to deposits | 85.1751% | 2,011 |
| Net loans and leases to core deposits | 88.6064% | 2,367 |
| Total domestic deposits to total assets | 80.8203% | 4,873 |
| Equity capital to assets | 13.5669% | 1,153 |
| Core capital (leverage) ratio | 13.4010% | 1,030 |
| Tier 1 risk-based capital ratio | 16.8615% | 2,664 |
| Total risk-based capital ratio | 18.0999% | 2,616 |
| Memoranda: | ||
| Average total assets | $845,383,500 | 800 |
| Average earning assets | $782,758,750 | 786 |
| Average equity | $114,652,750 | 629 |
| Average total loans | $580,189,000 | 758 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 4,064 |
| Cost of funding earning assets | 0.2196% | 5,749 |
| Net interest margin | 3.6981% | 2,972 |
| Noninterest income to average assets | 1.8494% | 395 |
| Noninterest expense to average assets | 3.4036% | 1,672 |
| Loan and lease loss provision to assets | -0.1674% | 6,443 |
| Net operating income to assets | 1.4267% | 1,005 |
| Return on assets (ROA) | 1.4267% | 1,045 |
| Pretax return on assets | 2.0362% | 515 |
| Return on Equity (ROE) | 10.5213% | 1,929 |
| Retained earnings to average equity (ytd only) | 8.9074% | 1,021 |
| Net charge-offs to loans | -0.0571% | 5,933 |
| Credit loss provision to net charge-offs | 429.4479% | 651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5556% | 4,603 |
| Assets per employee ($millions) | 3.0355% | 5,706 |
| Cash dividends to net income (ytd only)* | 15.3395% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 3,703 |
| Loan loss allowance to noncurrent loans | 2,235.4286% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 6,079 |
| Noncurrent loans to loans | 0.0594% | 5,857 |
| Net loans and leases to total assets | 68.3693% | 2,354 |
| Net loans and leases to deposits | 83.9370% | 2,041 |
| Net loans and leases to core deposits | 87.3250% | 2,380 |
| Total domestic deposits to total assets | 81.4531% | 4,825 |
| Equity capital to assets | 13.6519% | 1,104 |
| Core capital (leverage) ratio | 13.4565% | 989 |
| Tier 1 risk-based capital ratio | 16.6717% | 2,756 |
| Total risk-based capital ratio | 17.9183% | 2,721 |
| Memoranda: | ||
| Average total assets | $836,166,670 | 810 |
| Average earning assets | $773,974,000 | 794 |
| Average equity | $113,389,000 | 629 |
| Average total loans | $570,632,670 | 765 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8707% | 4,209 |
| Cost of funding earning assets | 0.2160% | 5,878 |
| Net interest margin | 3.6547% | 3,043 |
| Noninterest income to average assets | 1.6670% | 448 |
| Noninterest expense to average assets | 3.3451% | 1,843 |
| Loan and lease loss provision to assets | -0.3376% | 6,629 |
| Net operating income to assets | 1.5059% | 807 |
| Return on assets (ROA) | 1.5059% | 840 |
| Pretax return on assets | 2.0466% | 480 |
| Return on Equity (ROE) | 11.1433% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.1433% | 721 |
| Net charge-offs to loans | -0.0278% | 5,516 |
| Credit loss provision to net charge-offs | 1,794.8718% | 190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1863% | 4,500 |
| Assets per employee ($millions) | 3.0391% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 3,758 |
| Loan loss allowance to noncurrent loans | 243.0556% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 4,999 |
| Noncurrent loans to loans | 0.5622% | 4,476 |
| Net loans and leases to total assets | 67.4786% | 2,306 |
| Net loans and leases to deposits | 82.6249% | 1,987 |
| Net loans and leases to core deposits | 85.9746% | 2,323 |
| Total domestic deposits to total assets | 81.6686% | 5,036 |
| Equity capital to assets | 13.8078% | 984 |
| Core capital (leverage) ratio | 13.0949% | 1,123 |
| Tier 1 risk-based capital ratio | 17.2226% | 2,590 |
| Total risk-based capital ratio | 18.4731% | 2,545 |
| Memoranda: | ||
| Average total assets | $829,284,500 | 823 |
| Average earning assets | $768,538,500 | 806 |
| Average equity | $112,067,500 | 635 |
| Average total loans | $561,491,000 | 781 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 4,046 |
| Cost of funding earning assets | 0.2306% | 6,093 |
| Net interest margin | 3.7819% | 2,720 |
| Noninterest income to average assets | 2.2794% | 328 |
| Noninterest expense to average assets | 3.6374% | 1,387 |
| Loan and lease loss provision to assets | -0.2267% | 6,619 |
| Net operating income to assets | 1.5518% | 753 |
| Return on assets (ROA) | 1.5538% | 775 |
| Pretax return on assets | 2.3589% | 243 |
| Return on Equity (ROE) | 11.4998% | 1,594 |
| Retained earnings to average equity (ytd only) | 8.0071% | 1,056 |
| Net charge-offs to loans | -0.0534% | 6,349 |
| Credit loss provision to net charge-offs | 631.5789% | 372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0774% | 5,046 |
| Assets per employee ($millions) | 2.9093% | 5,976 |
| Cash dividends to net income (ytd only)* | 30.3721% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 3,223 |
| Loan loss allowance to noncurrent loans | 279.6321% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 5,180 |
| Noncurrent loans to loans | 0.5344% | 4,657 |
| Net loans and leases to total assets | 66.0105% | 2,688 |
| Net loans and leases to deposits | 80.7776% | 2,348 |
| Net loans and leases to core deposits | 84.0468% | 2,672 |
| Total domestic deposits to total assets | 81.7189% | 4,962 |
| Equity capital to assets | 13.2237% | 1,172 |
| Core capital (leverage) ratio | 12.8348% | 1,206 |
| Tier 1 risk-based capital ratio | 16.7081% | 2,757 |
| Total risk-based capital ratio | 17.9599% | 2,708 |
| Memoranda: | ||
| Average total assets | $793,966,400 | 838 |
| Average earning assets | $732,100,200 | 830 |
| Average equity | $107,280,000 | 659 |
| Average total loans | $533,725,600 | 794 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 4,089 |
| Cost of funding earning assets | 0.2340% | 6,197 |
| Net interest margin | 3.7766% | 2,727 |
| Noninterest income to average assets | 2.4103% | 308 |
| Noninterest expense to average assets | 3.6572% | 1,313 |
| Loan and lease loss provision to assets | -0.2212% | 6,733 |
| Net operating income to assets | 1.5926% | 756 |
| Return on assets (ROA) | 1.5953% | 803 |
| Pretax return on assets | 2.4571% | 254 |
| Return on Equity (ROE) | 11.7397% | 1,563 |
| Retained earnings to average equity (ytd only) | 9.2220% | 993 |
| Net charge-offs to loans | -0.0604% | 6,369 |
| Credit loss provision to net charge-offs | 543.9331% | 517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1013% | 5,124 |
| Assets per employee ($millions) | 2.7632% | 6,203 |
| Cash dividends to net income (ytd only)* | 21.4461% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 2,958 |
| Loan loss allowance to noncurrent loans | 477.0022% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 5,758 |
| Noncurrent loans to loans | 0.3379% | 5,376 |
| Net loans and leases to total assets | 66.6926% | 2,523 |
| Net loans and leases to deposits | 82.0024% | 2,133 |
| Net loans and leases to core deposits | 85.2049% | 2,508 |
| Total domestic deposits to total assets | 81.3300% | 5,124 |
| Equity capital to assets | 13.5601% | 1,096 |
| Core capital (leverage) ratio | 13.1798% | 1,135 |
| Tier 1 risk-based capital ratio | 17.3954% | 2,543 |
| Total risk-based capital ratio | 18.6491% | 2,515 |
| Memoranda: | ||
| Average total assets | $783,715,500 | 858 |
| Average earning assets | $721,908,250 | 848 |
| Average equity | $106,496,500 | 672 |
| Average total loans | $527,274,750 | 801 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 4,168 |
| Cost of funding earning assets | 0.2390% | 6,249 |
| Net interest margin | 3.7456% | 2,778 |
| Noninterest income to average assets | 2.5178% | 317 |
| Noninterest expense to average assets | 3.6711% | 1,299 |
| Loan and lease loss provision to assets | -0.3351% | 6,844 |
| Net operating income to assets | 1.6734% | 656 |
| Return on assets (ROA) | 1.6773% | 709 |
| Pretax return on assets | 2.6407% | 226 |
| Return on Equity (ROE) | 12.3345% | 1,393 |
| Retained earnings to average equity (ytd only) | 10.6022% | 721 |
| Net charge-offs to loans | -0.0565% | 6,310 |
| Credit loss provision to net charge-offs | 884.3537% | 343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4867% | 5,246 |
| Assets per employee ($millions) | 2.6067% | 6,391 |
| Cash dividends to net income (ytd only)* | 14.0443% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 3,181 |
| Loan loss allowance to noncurrent loans | 414.7884% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 5,591 |
| Noncurrent loans to loans | 0.3838% | 5,316 |
| Net loans and leases to total assets | 69.6588% | 1,943 |
| Net loans and leases to deposits | 86.4726% | 1,519 |
| Net loans and leases to core deposits | 89.9538% | 1,911 |
| Total domestic deposits to total assets | 80.5559% | 5,460 |
| Equity capital to assets | 13.8604% | 1,006 |
| Core capital (leverage) ratio | 13.2691% | 1,067 |
| Tier 1 risk-based capital ratio | 17.0428% | 2,698 |
| Total risk-based capital ratio | 18.2962% | 2,667 |
| Memoranda: | ||
| Average total assets | $776,001,670 | 867 |
| Average earning assets | $715,341,330 | 854 |
| Average equity | $105,525,000 | 678 |
| Average total loans | $520,723,330 | 809 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 4,318 |
| Cost of funding earning assets | 0.2463% | 6,313 |
| Net interest margin | 3.6964% | 2,865 |
| Noninterest income to average assets | 2.1526% | 393 |
| Noninterest expense to average assets | 3.6380% | 1,356 |
| Loan and lease loss provision to assets | -0.6693% | 6,976 |
| Net operating income to assets | 1.5327% | 795 |
| Return on assets (ROA) | 1.5327% | 872 |
| Pretax return on assets | 2.5836% | 236 |
| Return on Equity (ROE) | 11.3805% | 1,598 |
| Retained earnings to average equity (ytd only) | 11.3805% | 803 |
| Net charge-offs to loans | -0.0891% | 6,396 |
| Credit loss provision to net charge-offs | 1,150.4425% | 278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5230% | 4,742 |
| Assets per employee ($millions) | 2.7897% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 2,971 |
| Loan loss allowance to noncurrent loans | 404.5158% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5586% | 4,992 |
| Noncurrent loans to loans | 0.4222% | 5,361 |
| Net loans and leases to total assets | 62.8916% | 2,903 |
| Net loans and leases to deposits | 77.5967% | 2,402 |
| Net loans and leases to core deposits | 79.8855% | 2,822 |
| Total domestic deposits to total assets | 81.0493% | 5,480 |
| Equity capital to assets | 13.3296% | 1,283 |
| Core capital (leverage) ratio | 13.0392% | 1,102 |
| Tier 1 risk-based capital ratio | 17.5822% | 2,528 |
| Total risk-based capital ratio | 18.8367% | 2,495 |
| Memoranda: | ||
| Average total assets | $776,913,500 | 871 |
| Average earning assets | $714,535,000 | 859 |
| Average equity | $104,635,500 | 694 |
| Average total loans | $507,082,000 | 838 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 4,505 |
| Cost of funding earning assets | 0.2925% | 6,495 |
| Net interest margin | 3.9287% | 2,702 |
| Noninterest income to average assets | 2.4057% | 333 |
| Noninterest expense to average assets | 3.7937% | 1,261 |
| Loan and lease loss provision to assets | 0.0927% | 4,516 |
| Net operating income to assets | 1.5151% | 886 |
| Return on assets (ROA) | 1.5843% | 856 |
| Pretax return on assets | 2.2029% | 410 |
| Return on Equity (ROE) | 12.0476% | 1,499 |
| Retained earnings to average equity (ytd only) | 9.0118% | 818 |
| Net charge-offs to loans | 0.3480% | 2,895 |
| Credit loss provision to net charge-offs | 42.3985% | 4,886 |
| Earnings coverage of net charge-offs (x) | 10.0648% | 2,186 |
| Efficiency ratio | 63.3001% | 5,015 |
| Assets per employee ($millions) | 2.6437% | 6,489 |
| Cash dividends to net income (ytd only)* | 25.1984% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9539% | 2,145 |
| Loan loss allowance to noncurrent loans | 1,172.9216% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 5,292 |
| Noncurrent loans to loans | 0.1666% | 6,066 |
| Net loans and leases to total assets | 65.3130% | 2,648 |
| Net loans and leases to deposits | 81.0132% | 2,145 |
| Net loans and leases to core deposits | 83.5527% | 2,597 |
| Total domestic deposits to total assets | 80.6202% | 5,504 |
| Equity capital to assets | 13.6132% | 1,186 |
| Core capital (leverage) ratio | 12.8502% | 1,175 |
| Tier 1 risk-based capital ratio | 17.4178% | 2,479 |
| Total risk-based capital ratio | 18.6753% | 2,455 |
| Memoranda: | ||
| Average total assets | $755,488,800 | 882 |
| Average earning assets | $689,868,400 | 880 |
| Average equity | $99,347,800 | 715 |
| Average total loans | $474,437,400 | 863 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2222% | 4,742 |
| Cost of funding earning assets | 0.3019% | 6,608 |
| Net interest margin | 3.9203% | 2,839 |
| Noninterest income to average assets | 2.3103% | 341 |
| Noninterest expense to average assets | 3.6414% | 1,473 |
| Loan and lease loss provision to assets | 0.0830% | 4,583 |
| Net operating income to assets | 1.5823% | 884 |
| Return on assets (ROA) | 1.5823% | 988 |
| Pretax return on assets | 2.1646% | 510 |
| Return on Equity (ROE) | 12.1399% | 1,588 |
| Retained earnings to average equity (ytd only) | 10.4062% | 812 |
| Net charge-offs to loans | 0.1314% | 4,068 |
| Credit loss provision to net charge-offs | 102.1739% | 2,881 |
| Earnings coverage of net charge-offs (x) | 27.6564% | 1,177 |
| Efficiency ratio | 61.8336% | 5,179 |
| Assets per employee ($millions) | 2.6534% | 6,543 |
| Cash dividends to net income (ytd only)* | 14.2809% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1607% | 1,781 |
| Loan loss allowance to noncurrent loans | 195.8258% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 1.3160% | 3,661 |
| Noncurrent loans to loans | 1.1034% | 4,217 |
| Net loans and leases to total assets | 64.2127% | 2,996 |
| Net loans and leases to deposits | 79.5726% | 2,466 |
| Net loans and leases to core deposits | 82.1810% | 2,942 |
| Total domestic deposits to total assets | 80.6970% | 5,452 |
| Equity capital to assets | 13.4422% | 1,374 |
| Core capital (leverage) ratio | 12.8615% | 1,245 |
| Tier 1 risk-based capital ratio | 17.6128% | 2,491 |
| Total risk-based capital ratio | 18.8731% | 2,458 |
| Memoranda: | ||
| Average total assets | $754,673,750 | 888 |
| Average earning assets | $688,908,000 | 886 |
| Average equity | $98,362,250 | 726 |
| Average total loans | $466,687,250 | 881 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 5,076 |
| Cost of funding earning assets | 0.3099% | 6,692 |
| Net interest margin | 3.8522% | 3,125 |
| Noninterest income to average assets | 1.8568% | 445 |
| Noninterest expense to average assets | 3.4150% | 1,994 |
| Loan and lease loss provision to assets | 0.1251% | 3,960 |
| Net operating income to assets | 1.3517% | 1,309 |
| Return on assets (ROA) | 1.3517% | 1,460 |
| Pretax return on assets | 1.8230% | 995 |
| Return on Equity (ROE) | 10.4821% | 2,181 |
| Retained earnings to average equity (ytd only) | 10.4821% | 856 |
| Net charge-offs to loans | 0.2347% | 3,164 |
| Credit loss provision to net charge-offs | 88.0150% | 3,103 |
| Earnings coverage of net charge-offs (x) | 13.7079% | 1,768 |
| Efficiency ratio | 63.6761% | 4,954 |
| Assets per employee ($millions) | 2.6535% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2090% | 1,744 |
| Loan loss allowance to noncurrent loans | 151.8054% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 1.7779% | 3,072 |
| Noncurrent loans to loans | 1.4551% | 3,726 |
| Net loans and leases to total assets | 64.1305% | 3,007 |
| Net loans and leases to deposits | 79.1593% | 2,499 |
| Net loans and leases to core deposits | 82.2005% | 2,935 |
| Total domestic deposits to total assets | 81.0145% | 5,466 |
| Equity capital to assets | 13.4295% | 1,328 |
| Core capital (leverage) ratio | 12.7495% | 1,237 |
| Tier 1 risk-based capital ratio | 17.5148% | 2,468 |
| Total risk-based capital ratio | 18.7754% | 2,430 |
| Memoranda: | ||
| Average total assets | $751,502,330 | 893 |
| Average earning assets | $684,028,670 | 890 |
| Average equity | $96,908,330 | 735 |
| Average total loans | $455,068,670 | 906 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 5,303 |
| Cost of funding earning assets | 0.3212% | 6,773 |
| Net interest margin | 3.8219% | 3,280 |
| Noninterest income to average assets | 1.5661% | 588 |
| Noninterest expense to average assets | 3.6112% | 1,540 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0141% | 2,421 |
| Return on assets (ROA) | 1.0141% | 2,614 |
| Pretax return on assets | 1.4380% | 2,063 |
| Return on Equity (ROE) | 8.0274% | 3,273 |
| Retained earnings to average equity (ytd only) | 8.0274% | 1,974 |
| Net charge-offs to loans | 0.0765% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 32.3452% | 869 |
| Efficiency ratio | 71.5199% | 3,531 |
| Assets per employee ($millions) | 2.7743% | 6,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3901% | 1,524 |
| Loan loss allowance to noncurrent loans | 96.4969% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.9804% | 2,925 |
| Noncurrent loans to loans | 2.4769% | 2,632 |
| Net loans and leases to total assets | 57.2980% | 4,163 |
| Net loans and leases to deposits | 70.3710% | 3,677 |
| Net loans and leases to core deposits | 72.9956% | 4,024 |
| Total domestic deposits to total assets | 81.4226% | 5,489 |
| Equity capital to assets | 12.5909% | 1,663 |
| Core capital (leverage) ratio | 12.1842% | 1,487 |
| Tier 1 risk-based capital ratio | 17.6365% | 2,432 |
| Total risk-based capital ratio | 18.8981% | 2,395 |
| Memoranda: | ||
| Average total assets | $755,766,500 | 886 |
| Average earning assets | $688,767,500 | 881 |
| Average equity | $95,473,500 | 742 |
| Average total loans | $438,985,000 | 947 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 5,369 |
| Cost of funding earning assets | 0.4625% | 6,691 |
| Net interest margin | 3.9502% | 3,100 |
| Noninterest income to average assets | 1.5061% | 576 |
| Noninterest expense to average assets | 3.6099% | 1,724 |
| Loan and lease loss provision to assets | 0.5388% | 1,950 |
| Net operating income to assets | 1.3229% | 1,191 |
| Return on assets (ROA) | 1.3229% | 1,287 |
| Pretax return on assets | 0.9735% | 3,339 |
| Return on Equity (ROE) | 11.2102% | 1,646 |
| Retained earnings to average equity (ytd only) | 11.2102% | 380 |
| Net charge-offs to loans | 0.9644% | 1,788 |
| Credit loss provision to net charge-offs | 95.6251% | 3,773 |
| Earnings coverage of net charge-offs (x) | 2.6840% | 3,867 |
| Efficiency ratio | 70.4755% | 3,848 |
| Assets per employee ($millions) | 2.8251% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5267% | 1,281 |
| Loan loss allowance to noncurrent loans | 100.7819% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 2.0236% | 2,935 |
| Noncurrent loans to loans | 2.5071% | 2,620 |
| Net loans and leases to total assets | 56.0004% | 4,709 |
| Net loans and leases to deposits | 69.4894% | 4,196 |
| Net loans and leases to core deposits | 72.5276% | 4,436 |
| Total domestic deposits to total assets | 80.5884% | 5,564 |
| Equity capital to assets | 12.6755% | 1,677 |
| Core capital (leverage) ratio | 11.7690% | 1,727 |
| Tier 1 risk-based capital ratio | 17.7136% | 2,300 |
| Total risk-based capital ratio | 18.9763% | 2,267 |
| Memoranda: | ||
| Average total assets | $742,374,000 | 884 |
| Average earning assets | $679,583,800 | 878 |
| Average equity | $87,607,800 | 767 |
| Average total loans | $433,749,000 | 963 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 5,554 |
| Cost of funding earning assets | 0.4990% | 6,696 |
| Net interest margin | 3.9178% | 3,293 |
| Noninterest income to average assets | 1.3660% | 700 |
| Noninterest expense to average assets | 3.4879% | 1,970 |
| Loan and lease loss provision to assets | 0.5484% | 1,792 |
| Net operating income to assets | 1.4489% | 1,054 |
| Return on assets (ROA) | 1.4489% | 1,127 |
| Pretax return on assets | 0.9210% | 3,682 |
| Return on Equity (ROE) | 12.5109% | 1,409 |
| Retained earnings to average equity (ytd only) | 12.5109% | 432 |
| Net charge-offs to loans | 0.6764% | 2,220 |
| Credit loss provision to net charge-offs | 138.1966% | 2,307 |
| Earnings coverage of net charge-offs (x) | 3.7028% | 3,329 |
| Efficiency ratio | 70.3591% | 3,890 |
| Assets per employee ($millions) | 2.8756% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7286% | 1,097 |
| Loan loss allowance to noncurrent loans | 95.7277% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 2.1539% | 2,970 |
| Noncurrent loans to loans | 2.8504% | 2,446 |
| Net loans and leases to total assets | 55.6580% | 4,892 |
| Net loans and leases to deposits | 68.1318% | 4,582 |
| Net loans and leases to core deposits | 71.0399% | 4,834 |
| Total domestic deposits to total assets | 81.6916% | 5,196 |
| Equity capital to assets | 12.2357% | 2,067 |
| Core capital (leverage) ratio | 11.8549% | 1,788 |
| Tier 1 risk-based capital ratio | 17.5064% | 2,442 |
| Total risk-based capital ratio | 18.7715% | 2,407 |
| Memoranda: | ||
| Average total assets | $741,509,500 | 893 |
| Average earning assets | $679,719,500 | 882 |
| Average equity | $85,875,250 | 790 |
| Average total loans | $435,062,250 | 974 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 5,392 |
| Cost of funding earning assets | 0.5255% | 6,760 |
| Net interest margin | 3.9617% | 3,029 |
| Noninterest income to average assets | 1.3858% | 664 |
| Noninterest expense to average assets | 3.5532% | 1,852 |
| Loan and lease loss provision to assets | 0.5438% | 1,788 |
| Net operating income to assets | 1.8363% | 460 |
| Return on assets (ROA) | 1.8363% | 492 |
| Pretax return on assets | 0.9247% | 3,535 |
| Return on Equity (ROE) | 16.1701% | 652 |
| Retained earnings to average equity (ytd only) | 16.1701% | 196 |
| Net charge-offs to loans | 0.9125% | 1,706 |
| Credit loss provision to net charge-offs | 100.7049% | 3,078 |
| Earnings coverage of net charge-offs (x) | 2.7195% | 3,484 |
| Efficiency ratio | 70.7580% | 3,970 |
| Assets per employee ($millions) | 2.7153% | 6,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5662% | 1,346 |
| Loan loss allowance to noncurrent loans | 84.2685% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 2.3867% | 2,764 |
| Noncurrent loans to loans | 3.0453% | 2,376 |
| Net loans and leases to total assets | 58.3902% | 4,562 |
| Net loans and leases to deposits | 72.3666% | 4,059 |
| Net loans and leases to core deposits | 76.1856% | 4,296 |
| Total domestic deposits to total assets | 80.6866% | 5,627 |
| Equity capital to assets | 12.2072% | 1,962 |
| Core capital (leverage) ratio | 10.9299% | 2,317 |
| Tier 1 risk-based capital ratio | 16.4587% | 2,764 |
| Total risk-based capital ratio | 17.7219% | 2,718 |
| Memoranda: | ||
| Average total assets | $735,623,000 | 905 |
| Average earning assets | $675,113,330 | 900 |
| Average equity | $83,537,000 | 806 |
| Average total loans | $435,286,000 | 990 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 5,260 |
| Cost of funding earning assets | 0.5533% | 6,791 |
| Net interest margin | 3.9698% | 2,824 |
| Noninterest income to average assets | 1.3535% | 705 |
| Noninterest expense to average assets | 3.5307% | 1,929 |
| Loan and lease loss provision to assets | 0.5101% | 1,707 |
| Net operating income to assets | 0.9648% | 2,296 |
| Return on assets (ROA) | 0.9648% | 2,362 |
| Pretax return on assets | 0.9648% | 3,263 |
| Return on Equity (ROE) | 8.8139% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.8139% | 1,444 |
| Net charge-offs to loans | 0.7797% | 1,654 |
| Credit loss provision to net charge-offs | 111.2412% | 2,404 |
| Earnings coverage of net charge-offs (x) | 3.2166% | 2,815 |
| Efficiency ratio | 70.5352% | 4,156 |
| Assets per employee ($millions) | 2.7221% | 6,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5755% | 1,348 |
| Loan loss allowance to noncurrent loans | 86.6911% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 2.4157% | 2,817 |
| Noncurrent loans to loans | 2.9709% | 2,529 |
| Net loans and leases to total assets | 56.5307% | 4,908 |
| Net loans and leases to deposits | 69.1919% | 4,498 |
| Net loans and leases to core deposits | 73.0936% | 4,638 |
| Total domestic deposits to total assets | 81.7014% | 5,424 |
| Equity capital to assets | 11.1055% | 2,582 |
| Core capital (leverage) ratio | 9.9614% | 3,190 |
| Tier 1 risk-based capital ratio | 15.7496% | 3,024 |
| Total risk-based capital ratio | 17.0133% | 2,980 |
| Memoranda: | ||
| Average total assets | $745,018,000 | 901 |
| Average earning assets | $685,375,000 | 893 |
| Average equity | $81,553,000 | 813 |
| Average total loans | $438,137,000 | 995 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 5,061 |
| Cost of funding earning assets | 0.6717% | 6,953 |
| Net interest margin | 4.2223% | 2,084 |
| Noninterest income to average assets | 1.5905% | 577 |
| Noninterest expense to average assets | 3.5971% | 1,934 |
| Loan and lease loss provision to assets | 0.6941% | 2,368 |
| Net operating income to assets | 1.1542% | 1,532 |
| Return on assets (ROA) | 1.1542% | 1,616 |
| Pretax return on assets | 1.1542% | 2,379 |
| Return on Equity (ROE) | 10.9813% | 1,594 |
| Retained earnings to average equity (ytd only) | 6.6122% | 1,499 |
| Net charge-offs to loans | 0.8325% | 2,553 |
| Credit loss provision to net charge-offs | 132.5516% | 2,961 |
| Earnings coverage of net charge-offs (x) | 3.5294% | 3,317 |
| Efficiency ratio | 66.0579% | 4,961 |
| Assets per employee ($millions) | 2.6580% | 6,754 |
| Cash dividends to net income (ytd only)* | 39.7872% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4738% | 1,438 |
| Loan loss allowance to noncurrent loans | 95.7225% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 2.2780% | 2,994 |
| Noncurrent loans to loans | 2.5844% | 2,947 |
| Net loans and leases to total assets | 58.1146% | 5,013 |
| Net loans and leases to deposits | 72.6818% | 4,396 |
| Net loans and leases to core deposits | 77.6492% | 4,501 |
| Total domestic deposits to total assets | 79.9576% | 5,848 |
| Equity capital to assets | 10.7882% | 2,869 |
| Core capital (leverage) ratio | 9.9257% | 3,167 |
| Tier 1 risk-based capital ratio | 14.9180% | 3,294 |
| Total risk-based capital ratio | 16.1806% | 3,246 |
| Memoranda: | ||
| Average total assets | $749,122,400 | 903 |
| Average earning assets | $683,946,000 | 896 |
| Average equity | $78,733,800 | 838 |
| Average total loans | $471,221,800 | 956 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8872% | 5,322 |
| Cost of funding earning assets | 0.6966% | 7,068 |
| Net interest margin | 4.1907% | 2,251 |
| Noninterest income to average assets | 1.4208% | 672 |
| Noninterest expense to average assets | 3.4558% | 2,146 |
| Loan and lease loss provision to assets | 0.6758% | 2,265 |
| Net operating income to assets | 1.1080% | 1,860 |
| Return on assets (ROA) | 1.1080% | 1,967 |
| Pretax return on assets | 1.1080% | 2,800 |
| Return on Equity (ROE) | 10.6121% | 1,896 |
| Retained earnings to average equity (ytd only) | 9.3670% | 940 |
| Net charge-offs to loans | 0.7172% | 2,629 |
| Credit loss provision to net charge-offs | 147.8599% | 2,650 |
| Earnings coverage of net charge-offs (x) | 3.9027% | 3,260 |
| Efficiency ratio | 65.9550% | 4,869 |
| Assets per employee ($millions) | 2.7076% | 6,767 |
| Cash dividends to net income (ytd only)* | 11.7335% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3244% | 1,587 |
| Loan loss allowance to noncurrent loans | 81.2676% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 2.9289% | 2,481 |
| Noncurrent loans to loans | 2.8602% | 2,790 |
| Net loans and leases to total assets | 60.9824% | 4,722 |
| Net loans and leases to deposits | 75.2253% | 4,310 |
| Net loans and leases to core deposits | 80.7397% | 4,415 |
| Total domestic deposits to total assets | 81.0663% | 5,340 |
| Equity capital to assets | 10.7997% | 3,167 |
| Core capital (leverage) ratio | 10.0248% | 3,229 |
| Tier 1 risk-based capital ratio | 14.6904% | 3,398 |
| Total risk-based capital ratio | 15.9525% | 3,373 |
| Memoranda: | ||
| Average total assets | $749,680,500 | 900 |
| Average earning assets | $683,153,000 | 902 |
| Average equity | $78,273,250 | 846 |
| Average total loans | $477,761,750 | 948 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 5,399 |
| Cost of funding earning assets | 0.7277% | 7,129 |
| Net interest margin | 4.1696% | 2,264 |
| Noninterest income to average assets | 1.3047% | 747 |
| Noninterest expense to average assets | 3.3511% | 2,405 |
| Loan and lease loss provision to assets | 0.6152% | 2,326 |
| Net operating income to assets | 1.1453% | 1,708 |
| Return on assets (ROA) | 1.1453% | 1,775 |
| Pretax return on assets | 1.1453% | 2,605 |
| Return on Equity (ROE) | 11.0976% | 1,718 |
| Retained earnings to average equity (ytd only) | 9.2031% | 1,048 |
| Net charge-offs to loans | 0.5894% | 2,759 |
| Credit loss provision to net charge-offs | 162.6591% | 2,428 |
| Earnings coverage of net charge-offs (x) | 4.6549% | 2,888 |
| Efficiency ratio | 65.5591% | 5,056 |
| Assets per employee ($millions) | 2.6804% | 6,809 |
| Cash dividends to net income (ytd only)* | 17.0715% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2594% | 1,652 |
| Loan loss allowance to noncurrent loans | 60.0215% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 3.0047% | 2,371 |
| Noncurrent loans to loans | 3.7643% | 2,058 |
| Net loans and leases to total assets | 61.2077% | 4,839 |
| Net loans and leases to deposits | 75.9143% | 4,353 |
| Net loans and leases to core deposits | 81.6640% | 4,464 |
| Total domestic deposits to total assets | 80.6274% | 5,529 |
| Equity capital to assets | 10.6302% | 3,242 |
| Core capital (leverage) ratio | 9.7875% | 3,424 |
| Tier 1 risk-based capital ratio | 14.0387% | 3,701 |
| Total risk-based capital ratio | 15.2995% | 3,660 |
| Memoranda: | ||
| Average total assets | $747,764,000 | 909 |
| Average earning assets | $682,707,670 | 904 |
| Average equity | $77,169,670 | 854 |
| Average total loans | $479,801,670 | 954 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 5,765 |
| Cost of funding earning assets | 0.7869% | 7,129 |
| Net interest margin | 4.0432% | 2,683 |
| Noninterest income to average assets | 1.1533% | 933 |
| Noninterest expense to average assets | 3.4213% | 2,178 |
| Loan and lease loss provision to assets | 0.8039% | 1,572 |
| Net operating income to assets | 0.6152% | 3,833 |
| Return on assets (ROA) | 0.6152% | 3,973 |
| Pretax return on assets | 0.6152% | 4,546 |
| Return on Equity (ROE) | 6.0529% | 3,854 |
| Retained earnings to average equity (ytd only) | 2.1987% | 4,809 |
| Net charge-offs to loans | 0.6816% | 2,127 |
| Credit loss provision to net charge-offs | 181.5981% | 2,021 |
| Earnings coverage of net charge-offs (x) | 3.2058% | 2,985 |
| Efficiency ratio | 70.6820% | 4,180 |
| Assets per employee ($millions) | 2.6660% | 6,926 |
| Cash dividends to net income (ytd only)* | 63.6760% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1637% | 1,825 |
| Loan loss allowance to noncurrent loans | 47.5988% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 3.6487% | 1,917 |
| Noncurrent loans to loans | 4.5457% | 1,634 |
| Net loans and leases to total assets | 62.5920% | 4,634 |
| Net loans and leases to deposits | 77.7857% | 4,085 |
| Net loans and leases to core deposits | 83.3493% | 4,289 |
| Total domestic deposits to total assets | 80.4673% | 5,632 |
| Equity capital to assets | 10.1201% | 3,719 |
| Core capital (leverage) ratio | 9.3979% | 3,907 |
| Tier 1 risk-based capital ratio | 13.1686% | 4,230 |
| Total risk-based capital ratio | 14.4287% | 4,181 |
| Memoranda: | ||
| Average total assets | $746,389,500 | 928 |
| Average earning assets | $680,655,500 | 929 |
| Average equity | $75,864,000 | 872 |
| Average total loans | $484,707,000 | 970 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7510% | 2,860 |
| Cost of funding earning assets | 1.0212% | 7,170 |
| Net interest margin | 4.7298% | 796 |
| Noninterest income to average assets | 1.5006% | 639 |
| Noninterest expense to average assets | 3.5287% | 2,315 |
| Loan and lease loss provision to assets | 0.9803% | 2,308 |
| Net operating income to assets | 1.2904% | 1,052 |
| Return on assets (ROA) | 1.2904% | 1,102 |
| Pretax return on assets | 1.2904% | 1,719 |
| Return on Equity (ROE) | 12.5019% | 1,054 |
| Retained earnings to average equity (ytd only) | 4.1896% | 2,288 |
| Net charge-offs to loans | 1.0189% | 2,372 |
| Credit loss provision to net charge-offs | 135.5220% | 3,653 |
| Earnings coverage of net charge-offs (x) | 3.1391% | 3,493 |
| Efficiency ratio | 60.8466% | 6,355 |
| Assets per employee ($millions) | 2.8389% | 6,587 |
| Cash dividends to net income (ytd only)* | 66.4883% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9927% | 2,048 |
| Loan loss allowance to noncurrent loans | 86.1480% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 2.8245% | 2,484 |
| Noncurrent loans to loans | 2.3131% | 3,274 |
| Net loans and leases to total assets | 64.6047% | 4,466 |
| Net loans and leases to deposits | 82.4077% | 3,562 |
| Net loans and leases to core deposits | 92.7166% | 4,808 |
| Total domestic deposits to total assets | 78.3965% | 6,145 |
| Equity capital to assets | 10.2088% | 3,499 |
| Core capital (leverage) ratio | 9.3480% | 3,904 |
| Tier 1 risk-based capital ratio | 12.5390% | 4,489 |
| Total risk-based capital ratio | 13.7966% | 4,430 |
| Memoranda: | ||
| Average total assets | $724,294,400 | 937 |
| Average earning assets | $658,273,200 | 944 |
| Average equity | $74,756,400 | 862 |
| Average total loans | $514,193,800 | 931 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8123% | 2,831 |
| Cost of funding earning assets | 1.0765% | 7,229 |
| Net interest margin | 4.7359% | 783 |
| Noninterest income to average assets | 1.5758% | 593 |
| Noninterest expense to average assets | 3.5406% | 2,169 |
| Loan and lease loss provision to assets | 0.9257% | 2,079 |
| Net operating income to assets | 1.4136% | 989 |
| Return on assets (ROA) | 1.4136% | 1,062 |
| Pretax return on assets | 1.4136% | 1,662 |
| Return on Equity (ROE) | 13.6577% | 988 |
| Retained earnings to average equity (ytd only) | 5.4828% | 2,216 |
| Net charge-offs to loans | 0.9345% | 2,100 |
| Credit loss provision to net charge-offs | 137.0238% | 3,612 |
| Earnings coverage of net charge-offs (x) | 3.4626% | 3,519 |
| Efficiency ratio | 60.2147% | 6,386 |
| Assets per employee ($millions) | 2.7770% | 6,689 |
| Cash dividends to net income (ytd only)* | 59.8559% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7783% | 2,352 |
| Loan loss allowance to noncurrent loans | 65.4996% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 3.3431% | 2,014 |
| Noncurrent loans to loans | 2.7150% | 2,788 |
| Net loans and leases to total assets | 70.0172% | 3,512 |
| Net loans and leases to deposits | 89.1291% | 2,760 |
| Net loans and leases to core deposits | 99.8299% | 4,394 |
| Total domestic deposits to total assets | 78.5570% | 5,940 |
| Equity capital to assets | 10.4419% | 3,577 |
| Core capital (leverage) ratio | 9.5724% | 3,820 |
| Tier 1 risk-based capital ratio | 12.0489% | 4,930 |
| Total risk-based capital ratio | 13.3045% | 4,864 |
| Memoranda: | ||
| Average total assets | $720,128,500 | 959 |
| Average earning assets | $654,480,250 | 960 |
| Average equity | $74,534,750 | 877 |
| Average total loans | $520,635,500 | 931 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8961% | 2,602 |
| Cost of funding earning assets | 1.1406% | 7,271 |
| Net interest margin | 4.7556% | 722 |
| Noninterest income to average assets | 1.6925% | 512 |
| Noninterest expense to average assets | 3.5898% | 2,093 |
| Loan and lease loss provision to assets | 0.8918% | 1,893 |
| Net operating income to assets | 1.5289% | 788 |
| Return on assets (ROA) | 1.5289% | 843 |
| Pretax return on assets | 1.5289% | 1,372 |
| Return on Equity (ROE) | 14.8159% | 864 |
| Retained earnings to average equity (ytd only) | 5.9307% | 2,055 |
| Net charge-offs to loans | 0.8007% | 2,081 |
| Credit loss provision to net charge-offs | 153.3301% | 3,001 |
| Earnings coverage of net charge-offs (x) | 4.1620% | 3,193 |
| Efficiency ratio | 59.7255% | 6,592 |
| Assets per employee ($millions) | 2.5789% | 7,097 |
| Cash dividends to net income (ytd only)* | 59.9708% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7219% | 2,269 |
| Loan loss allowance to noncurrent loans | 67.4044% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 3.0115% | 2,111 |
| Noncurrent loans to loans | 2.5545% | 2,836 |
| Net loans and leases to total assets | 72.3130% | 3,134 |
| Net loans and leases to deposits | 91.4836% | 2,569 |
| Net loans and leases to core deposits | 102.6678% | 4,211 |
| Total domestic deposits to total assets | 79.0447% | 5,801 |
| Equity capital to assets | 10.5299% | 3,366 |
| Core capital (leverage) ratio | 9.5559% | 3,803 |
| Tier 1 risk-based capital ratio | 12.0336% | 4,891 |
| Total risk-based capital ratio | 13.2890% | 4,808 |
| Memoranda: | ||
| Average total assets | $717,649,330 | 975 |
| Average earning assets | $651,611,670 | 979 |
| Average equity | $74,055,670 | 897 |
| Average total loans | $521,299,330 | 948 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8081% | 3,254 |
| Cost of funding earning assets | 1.2239% | 7,242 |
| Net interest margin | 4.5841% | 965 |
| Noninterest income to average assets | 1.6634% | 494 |
| Noninterest expense to average assets | 3.4466% | 2,240 |
| Loan and lease loss provision to assets | 0.6649% | 1,903 |
| Net operating income to assets | 1.7089% | 636 |
| Return on assets (ROA) | 1.7089% | 699 |
| Pretax return on assets | 1.7089% | 1,161 |
| Return on Equity (ROE) | 16.7279% | 719 |
| Retained earnings to average equity (ytd only) | 5.8201% | 2,713 |
| Net charge-offs to loans | 0.8007% | 1,613 |
| Credit loss provision to net charge-offs | 115.0527% | 3,386 |
| Earnings coverage of net charge-offs (x) | 4.1074% | 2,975 |
| Efficiency ratio | 59.2155% | 6,523 |
| Assets per employee ($millions) | 2.6940% | 6,900 |
| Cash dividends to net income (ytd only)* | 65.2075% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 2,797 |
| Loan loss allowance to noncurrent loans | 67.0648% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 2.8217% | 2,015 |
| Noncurrent loans to loans | 2.2867% | 2,872 |
| Net loans and leases to total assets | 71.4035% | 3,374 |
| Net loans and leases to deposits | 90.1764% | 2,902 |
| Net loans and leases to core deposits | 102.4899% | 4,291 |
| Total domestic deposits to total assets | 79.1820% | 5,651 |
| Equity capital to assets | 10.2692% | 3,683 |
| Core capital (leverage) ratio | 9.4193% | 4,082 |
| Tier 1 risk-based capital ratio | 11.7652% | 5,154 |
| Total risk-based capital ratio | 13.0184% | 5,073 |
| Memoranda: | ||
| Average total assets | $721,878,500 | 972 |
| Average earning assets | $654,605,000 | 981 |
| Average equity | $73,745,000 | 909 |
| Average total loans | $521,038,000 | 956 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5283% | 2,821 |
| Cost of funding earning assets | 1.8437% | 6,885 |
| Net interest margin | 4.6846% | 998 |
| Noninterest income to average assets | 1.2163% | 1,006 |
| Noninterest expense to average assets | 3.2862% | 3,014 |
| Loan and lease loss provision to assets | 0.6251% | 2,330 |
| Net operating income to assets | 1.5782% | 869 |
| Return on assets (ROA) | 1.5762% | 841 |
| Pretax return on assets | 1.5762% | 1,456 |
| Return on Equity (ROE) | 15.8320% | 795 |
| Retained earnings to average equity (ytd only) | 5.7749% | 1,633 |
| Net charge-offs to loans | 0.5282% | 2,253 |
| Credit loss provision to net charge-offs | 166.7291% | 3,079 |
| Earnings coverage of net charge-offs (x) | 5.8767% | 3,502 |
| Efficiency ratio | 59.8634% | 6,371 |
| Assets per employee ($millions) | 2.7033% | 6,780 |
| Cash dividends to net income (ytd only)* | 63.5238% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 2,593 |
| Loan loss allowance to noncurrent loans | 51.7248% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 2.6756% | 1,772 |
| Noncurrent loans to loans | 2.9351% | 1,831 |
| Net loans and leases to total assets | 70.7499% | 3,844 |
| Net loans and leases to deposits | 89.6381% | 3,512 |
| Net loans and leases to core deposits | 101.2642% | 4,690 |
| Total domestic deposits to total assets | 78.9284% | 5,400 |
| Equity capital to assets | 10.1622% | 3,851 |
| Core capital (leverage) ratio | 9.1902% | 4,457 |
| Tier 1 risk-based capital ratio | 11.7712% | 5,006 |
| Total risk-based capital ratio | 13.0244% | 4,912 |
| Memoranda: | ||
| Average total assets | $711,886,000 | 935 |
| Average earning assets | $649,355,800 | 933 |
| Average equity | $70,875,600 | 938 |
| Average total loans | $505,278,000 | 954 |