Home > BCB Community Bank > Performance and Condition Ratios
BCB Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 2,500 |
| Cost of funding earning assets | 2.5220% | 824 |
| Net interest margin | 2.7870% | 3,729 |
| Noninterest income to average assets | 0.1900% | 3,621 |
| Noninterest expense to average assets | 1.6578% | 4,084 |
| Loan and lease loss provision to assets | 2.3500% | 33 |
| Net operating income to assets | -0.8362% | 4,361 |
| Return on assets (ROA) | -0.8465% | 4,393 |
| Pretax return on assets | -1.1898% | 4,402 |
| Return on Equity (ROE) | -8.3100% | 4,368 |
| Retained earnings to average equity (ytd only) | -11.5043% | 4,283 |
| Net charge-offs to loans | 0.5533% | 252 |
| Credit loss provision to net charge-offs | 502.2892% | 527 |
| Earnings coverage of net charge-offs (x) | 2.4908% | 2,069 |
| Efficiency ratio | 58.6305% | 3,121 |
| Assets per employee ($millions) | 11.7299% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 610 |
| Loan loss allowance to noncurrent loans | 51.6643% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 2.8701% | 105 |
| Noncurrent loans to loans | 3.3563% | 175 |
| Net loans and leases to total assets | 84.0300% | 241 |
| Net loans and leases to deposits | 108.5588% | 181 |
| Net loans and leases to core deposits | 132.7197% | 303 |
| Total domestic deposits to total assets | 77.4100% | 3,879 |
| Equity capital to assets | 10.2450% | 2,077 |
| Core capital (leverage) ratio | 9.9123% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $3,534,734,000 | 375 |
| Average earning assets | $3,347,077,500 | 359 |
| Average equity | $360,246,500 | 388 |
| Average total loans | $3,000,071,500 | 327 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4808% | 2,174 |
| Cost of funding earning assets | 2.7634% | 755 |
| Net interest margin | 2.7174% | 3,598 |
| Noninterest income to average assets | 0.0500% | 4,366 |
| Noninterest expense to average assets | 1.5135% | 4,250 |
| Loan and lease loss provision to assets | 0.3100% | 387 |
| Net operating income to assets | 0.5724% | 3,301 |
| Return on assets (ROA) | 0.5804% | 3,302 |
| Pretax return on assets | 0.8192% | 3,006 |
| Return on Equity (ROE) | 6.0500% | 3,285 |
| Retained earnings to average equity (ytd only) | 0.6407% | 3,765 |
| Net charge-offs to loans | 0.3254% | 450 |
| Credit loss provision to net charge-offs | 111.3678% | 1,754 |
| Earnings coverage of net charge-offs (x) | 4.0346% | 2,700 |
| Efficiency ratio | 57.4298% | 3,410 |
| Assets per employee ($millions) | 12.5345% | 372 |
| Cash dividends to net income (ytd only)* | 89.4069% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 2,433 |
| Loan loss allowance to noncurrent loans | 66.3380% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.4578% | 385 |
| Noncurrent loans to loans | 1.7302% | 504 |
| Net loans and leases to total assets | 83.2900% | 334 |
| Net loans and leases to deposits | 108.8377% | 196 |
| Net loans and leases to core deposits | 137.6095% | 280 |
| Total domestic deposits to total assets | 76.5300% | 3,906 |
| Equity capital to assets | 10.1401% | 2,033 |
| Core capital (leverage) ratio | 10.0312% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $3,736,132,600 | 351 |
| Average earning assets | $3,549,707,600 | 339 |
| Average equity | $358,501,200 | 373 |
| Average total loans | $3,192,460,600 | 302 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4958% | 2,088 |
| Cost of funding earning assets | 2.7850% | 727 |
| Net interest margin | 2.7108% | 3,581 |
| Noninterest income to average assets | 0.0200% | 4,441 |
| Noninterest expense to average assets | 1.5081% | 4,255 |
| Loan and lease loss provision to assets | 0.2500% | 441 |
| Net operating income to assets | 0.5878% | 3,260 |
| Return on assets (ROA) | 0.6168% | 3,202 |
| Pretax return on assets | 0.8707% | 2,876 |
| Return on Equity (ROE) | 6.5200% | 3,180 |
| Retained earnings to average equity (ytd only) | 3.0324% | 3,165 |
| Net charge-offs to loans | 0.2611% | 483 |
| Credit loss provision to net charge-offs | 117.1379% | 1,516 |
| Earnings coverage of net charge-offs (x) | 4.8615% | 2,414 |
| Efficiency ratio | 58.0858% | 3,337 |
| Assets per employee ($millions) | 12.3703% | 392 |
| Cash dividends to net income (ytd only)* | 53.4652% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 2,707 |
| Loan loss allowance to noncurrent loans | 83.4729% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 547 |
| Noncurrent loans to loans | 1.3309% | 739 |
| Net loans and leases to total assets | 85.4900% | 175 |
| Net loans and leases to deposits | 112.1254% | 151 |
| Net loans and leases to core deposits | 143.7814% | 216 |
| Total domestic deposits to total assets | 76.2500% | 3,904 |
| Equity capital to assets | 10.1062% | 2,231 |
| Core capital (leverage) ratio | 9.8367% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $3,770,814,750 | 342 |
| Average earning assets | $3,584,557,500 | 329 |
| Average equity | $356,931,250 | 365 |
| Average total loans | $3,232,813,750 | 295 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4431% | 2,072 |
| Cost of funding earning assets | 2.7699% | 693 |
| Net interest margin | 2.6732% | 3,631 |
| Noninterest income to average assets | -0.0700% | 4,537 |
| Noninterest expense to average assets | 1.5006% | 4,277 |
| Loan and lease loss provision to assets | 0.2300% | 466 |
| Net operating income to assets | 0.5242% | 3,367 |
| Return on assets (ROA) | 0.5204% | 3,403 |
| Pretax return on assets | 0.7375% | 3,143 |
| Return on Equity (ROE) | 5.6200% | 3,380 |
| Retained earnings to average equity (ytd only) | 2.2426% | 3,270 |
| Net charge-offs to loans | 0.1768% | 597 |
| Credit loss provision to net charge-offs | 156.5744% | 1,185 |
| Earnings coverage of net charge-offs (x) | 6.4450% | 2,152 |
| Efficiency ratio | 60.6349% | 3,150 |
| Assets per employee ($millions) | 12.6837% | 342 |
| Cash dividends to net income (ytd only)* | 60.0764% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 2,848 |
| Loan loss allowance to noncurrent loans | 100.8412% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 672 |
| Noncurrent loans to loans | 1.0812% | 844 |
| Net loans and leases to total assets | 84.3000% | 265 |
| Net loans and leases to deposits | 108.8998% | 238 |
| Net loans and leases to core deposits | 150.0290% | 179 |
| Total domestic deposits to total assets | 77.4100% | 3,769 |
| Equity capital to assets | 9.4187% | 2,446 |
| Core capital (leverage) ratio | 9.5247% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $3,823,706,000 | 344 |
| Average earning assets | $3,637,187,333 | 325 |
| Average equity | $354,224,667 | 364 |
| Average total loans | $3,269,466,000 | 292 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 1,976 |
| Cost of funding earning assets | 2.7770% | 629 |
| Net interest margin | 2.6361% | 3,667 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 1.5251% | 4,257 |
| Loan and lease loss provision to assets | 0.2200% | 447 |
| Net operating income to assets | 0.6680% | 2,944 |
| Return on assets (ROA) | 0.6787% | 2,927 |
| Pretax return on assets | 0.9631% | 2,493 |
| Return on Equity (ROE) | 7.3900% | 2,850 |
| Retained earnings to average equity (ytd only) | 3.5981% | 2,823 |
| Net charge-offs to loans | 0.1378% | 596 |
| Credit loss provision to net charge-offs | 184.2895% | 850 |
| Earnings coverage of net charge-offs (x) | 9.9444% | 1,642 |
| Efficiency ratio | 56.5065% | 3,557 |
| Assets per employee ($millions) | 13.4066% | 298 |
| Cash dividends to net income (ytd only)* | 51.2895% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,002 |
| Loan loss allowance to noncurrent loans | 154.1271% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 1,106 |
| Noncurrent loans to loans | 0.6876% | 1,288 |
| Net loans and leases to total assets | 83.8700% | 283 |
| Net loans and leases to deposits | 107.8087% | 234 |
| Net loans and leases to core deposits | 150.1840% | 201 |
| Total domestic deposits to total assets | 77.7900% | 3,825 |
| Equity capital to assets | 9.2445% | 2,514 |
| Core capital (leverage) ratio | 9.3275% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $3,839,345,500 | 347 |
| Average earning assets | $3,652,025,000 | 323 |
| Average equity | $352,737,500 | 367 |
| Average total loans | $3,288,021,000 | 291 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2796% | 1,525 |
| Cost of funding earning assets | 2.2797% | 563 |
| Net interest margin | 3.0000% | 3,283 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.6132% | 4,236 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.9127% | 2,506 |
| Return on assets (ROA) | 0.8422% | 2,711 |
| Pretax return on assets | 1.1848% | 2,181 |
| Return on Equity (ROE) | 9.3900% | 2,662 |
| Retained earnings to average equity (ytd only) | 3.2953% | 3,194 |
| Net charge-offs to loans | 0.0215% | 1,904 |
| Credit loss provision to net charge-offs | 868.1366% | 457 |
| Earnings coverage of net charge-offs (x) | 76.0925% | 1,056 |
| Efficiency ratio | 53.0546% | 3,747 |
| Assets per employee ($millions) | 12.9864% | 327 |
| Cash dividends to net income (ytd only)* | 64.9129% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 3,239 |
| Loan loss allowance to noncurrent loans | 124.6079% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 740 |
| Noncurrent loans to loans | 0.8137% | 949 |
| Net loans and leases to total assets | 85.6400% | 178 |
| Net loans and leases to deposits | 110.0907% | 197 |
| Net loans and leases to core deposits | 153.8196% | 186 |
| Total domestic deposits to total assets | 77.7900% | 3,756 |
| Equity capital to assets | 9.1301% | 2,589 |
| Core capital (leverage) ratio | 9.0924% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $3,764,510,800 | 338 |
| Average earning assets | $3,578,354,000 | 319 |
| Average equity | $337,570,800 | 359 |
| Average total loans | $3,264,350,000 | 281 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2060% | 1,440 |
| Cost of funding earning assets | 2.1178% | 572 |
| Net interest margin | 3.0882% | 3,158 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.5858% | 4,251 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.0133% | 2,330 |
| Return on assets (ROA) | 0.8899% | 2,705 |
| Pretax return on assets | 1.2471% | 2,177 |
| Return on Equity (ROE) | 9.9700% | 2,642 |
| Retained earnings to average equity (ytd only) | 4.5820% | 3,072 |
| Net charge-offs to loans | 0.0193% | 1,740 |
| Credit loss provision to net charge-offs | 886.8365% | 433 |
| Earnings coverage of net charge-offs (x) | 90.7219% | 969 |
| Efficiency ratio | 50.9501% | 3,838 |
| Assets per employee ($millions) | 12.8742% | 307 |
| Cash dividends to net income (ytd only)* | 54.0436% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 3,526 |
| Loan loss allowance to noncurrent loans | 179.9290% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 1,245 |
| Noncurrent loans to loans | 0.5346% | 1,487 |
| Net loans and leases to total assets | 86.2300% | 148 |
| Net loans and leases to deposits | 116.4579% | 104 |
| Net loans and leases to core deposits | 157.5957% | 117 |
| Total domestic deposits to total assets | 74.0500% | 4,156 |
| Equity capital to assets | 8.9224% | 2,465 |
| Core capital (leverage) ratio | 8.9595% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,747,889,250 | 343 |
| Average earning assets | $3,562,798,000 | 322 |
| Average equity | $334,519,750 | 363 |
| Average total loans | $3,251,786,750 | 284 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0701% | 1,419 |
| Cost of funding earning assets | 1.9134% | 586 |
| Net interest margin | 3.1567% | 3,090 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.5770% | 4,273 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1149% | 2,081 |
| Return on assets (ROA) | 0.9497% | 2,580 |
| Pretax return on assets | 1.3298% | 1,991 |
| Return on Equity (ROE) | 10.6400% | 2,521 |
| Retained earnings to average equity (ytd only) | 4.7618% | 3,008 |
| Net charge-offs to loans | -0.0015% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.6874% | 3,956 |
| Assets per employee ($millions) | 12.6109% | 328 |
| Cash dividends to net income (ytd only)* | 55.2435% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 3,781 |
| Loan loss allowance to noncurrent loans | 445.6987% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 2,311 |
| Noncurrent loans to loans | 0.2023% | 2,457 |
| Net loans and leases to total assets | 85.7500% | 164 |
| Net loans and leases to deposits | 115.0223% | 133 |
| Net loans and leases to core deposits | 146.5717% | 158 |
| Total domestic deposits to total assets | 74.5500% | 4,153 |
| Equity capital to assets | 8.6905% | 2,722 |
| Core capital (leverage) ratio | 8.8783% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,726,934,333 | 333 |
| Average earning assets | $3,545,189,000 | 315 |
| Average equity | $332,689,333 | 357 |
| Average total loans | $3,229,678,000 | 276 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 1,442 |
| Cost of funding earning assets | 1.6423% | 641 |
| Net interest margin | 3.2424% | 3,011 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.5731% | 4,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2172% | 1,890 |
| Return on assets (ROA) | 0.9382% | 2,679 |
| Pretax return on assets | 1.3124% | 2,144 |
| Return on Equity (ROE) | 10.3600% | 2,678 |
| Retained earnings to average equity (ytd only) | 2.9262% | 3,521 |
| Net charge-offs to loans | -0.0064% | 3,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.4208% | 4,060 |
| Assets per employee ($millions) | 12.6287% | 334 |
| Cash dividends to net income (ytd only)* | 71.7685% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 3,892 |
| Loan loss allowance to noncurrent loans | 520.1153% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 2,468 |
| Noncurrent loans to loans | 0.1703% | 2,631 |
| Net loans and leases to total assets | 85.8800% | 138 |
| Net loans and leases to deposits | 112.6578% | 143 |
| Net loans and leases to core deposits | 142.8693% | 165 |
| Total domestic deposits to total assets | 76.2300% | 4,147 |
| Equity capital to assets | 8.8658% | 2,616 |
| Core capital (leverage) ratio | 9.2644% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,654,627,000 | 349 |
| Average earning assets | $3,477,828,000 | 329 |
| Average equity | $330,806,000 | 368 |
| Average total loans | $3,169,554,000 | 286 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 899 |
| Cost of funding earning assets | 0.5027% | 1,370 |
| Net interest margin | 3.8873% | 981 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.7352% | 4,112 |
| Loan and lease loss provision to assets | -0.1000% | 4,534 |
| Net operating income to assets | 1.6476% | 609 |
| Return on assets (ROA) | 1.4917% | 865 |
| Pretax return on assets | 2.0700% | 404 |
| Return on Equity (ROE) | 15.1000% | 1,233 |
| Retained earnings to average equity (ytd only) | 7.9848% | 1,838 |
| Net charge-offs to loans | 0.0627% | 1,022 |
| Credit loss provision to net charge-offs | -184.0215% | 4,598 |
| Earnings coverage of net charge-offs (x) | 41.2741% | 1,483 |
| Efficiency ratio | 44.3888% | 4,414 |
| Assets per employee ($millions) | 11.7804% | 415 |
| Cash dividends to net income (ytd only)* | 47.1256% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,113 |
| Loan loss allowance to noncurrent loans | 634.6403% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 2,515 |
| Noncurrent loans to loans | 0.1657% | 2,656 |
| Net loans and leases to total assets | 85.9000% | 161 |
| Net loans and leases to deposits | 108.2789% | 190 |
| Net loans and leases to core deposits | 136.2693% | 167 |
| Total domestic deposits to total assets | 79.3300% | 3,963 |
| Equity capital to assets | 9.2490% | 2,198 |
| Core capital (leverage) ratio | 9.8753% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $3,177,594,800 | 376 |
| Average earning assets | $3,023,437,000 | 358 |
| Average equity | $313,884,000 | 376 |
| Average total loans | $2,665,313,600 | 305 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 800 |
| Cost of funding earning assets | 0.3232% | 1,932 |
| Net interest margin | 3.9280% | 748 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.6944% | 4,159 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 1.6964% | 535 |
| Return on assets (ROA) | 1.5071% | 814 |
| Pretax return on assets | 2.1331% | 357 |
| Return on Equity (ROE) | 14.9800% | 1,181 |
| Retained earnings to average equity (ytd only) | 6.3837% | 2,601 |
| Net charge-offs to loans | 0.0702% | 804 |
| Credit loss provision to net charge-offs | -190.8821% | 4,661 |
| Earnings coverage of net charge-offs (x) | 38.7961% | 1,402 |
| Efficiency ratio | 42.7911% | 4,499 |
| Assets per employee ($millions) | 10.8507% | 518 |
| Cash dividends to net income (ytd only)* | 57.3931% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,652 |
| Loan loss allowance to noncurrent loans | 380.3713% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 1,874 |
| Noncurrent loans to loans | 0.3094% | 2,135 |
| Net loans and leases to total assets | 85.3300% | 165 |
| Net loans and leases to deposits | 102.6158% | 278 |
| Net loans and leases to core deposits | 119.6292% | 263 |
| Total domestic deposits to total assets | 83.1600% | 3,658 |
| Equity capital to assets | 9.7123% | 1,765 |
| Core capital (leverage) ratio | 10.3268% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $3,085,520,000 | 384 |
| Average earning assets | $2,935,839,750 | 369 |
| Average equity | $310,365,000 | 383 |
| Average total loans | $2,562,051,500 | 308 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 786 |
| Cost of funding earning assets | 0.2951% | 1,761 |
| Net interest margin | 3.7926% | 765 |
| Noninterest income to average assets | 0.2268% | 3,833 |
| Noninterest expense to average assets | 1.7082% | 4,134 |
| Loan and lease loss provision to assets | -0.1702% | 4,663 |
| Net operating income to assets | 1.6492% | 485 |
| Return on assets (ROA) | 1.3888% | 903 |
| Pretax return on assets | 1.9674% | 410 |
| Return on Equity (ROE) | 13.6379% | 1,205 |
| Retained earnings to average equity (ytd only) | 2.9154% | 3,475 |
| Net charge-offs to loans | 0.0348% | 1,043 |
| Credit loss provision to net charge-offs | -597.4478% | 3,417 |
| Earnings coverage of net charge-offs (x) | 74.6450% | 967 |
| Efficiency ratio | 44.4985% | 4,509 |
| Assets per employee ($millions) | 10.2035% | 620 |
| Cash dividends to net income (ytd only)* | 78.6224% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 2,258 |
| Loan loss allowance to noncurrent loans | 345.9385% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 1,705 |
| Noncurrent loans to loans | 0.3714% | 2,030 |
| Net loans and leases to total assets | 85.3275% | 115 |
| Net loans and leases to deposits | 98.6767% | 320 |
| Net loans and leases to core deposits | 108.2026% | 390 |
| Total domestic deposits to total assets | 86.4717% | 3,120 |
| Equity capital to assets | 10.0195% | 1,707 |
| Core capital (leverage) ratio | 9.9066% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,025,343,000 | 384 |
| Average earning assets | $2,878,217,667 | 371 |
| Average equity | $308,083,667 | 384 |
| Average total loans | $2,475,998,667 | 314 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 886 |
| Cost of funding earning assets | 0.2932% | 1,720 |
| Net interest margin | 3.6302% | 849 |
| Noninterest income to average assets | 0.2395% | 3,712 |
| Noninterest expense to average assets | 1.7141% | 4,115 |
| Loan and lease loss provision to assets | -0.3431% | 4,736 |
| Net operating income to assets | 1.6691% | 437 |
| Return on assets (ROA) | 1.3865% | 821 |
| Pretax return on assets | 1.9636% | 389 |
| Return on Equity (ROE) | 13.5041% | 935 |
| Retained earnings to average equity (ytd only) | 5.8431% | 2,298 |
| Net charge-offs to loans | 0.0945% | 544 |
| Credit loss provision to net charge-offs | -456.5603% | 3,121 |
| Earnings coverage of net charge-offs (x) | 26.3280% | 1,188 |
| Efficiency ratio | 46.3720% | 4,477 |
| Assets per employee ($millions) | 10.0282% | 673 |
| Cash dividends to net income (ytd only)* | 56.7310% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 1,911 |
| Loan loss allowance to noncurrent loans | 343.6489% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 1,804 |
| Noncurrent loans to loans | 0.4069% | 2,037 |
| Net loans and leases to total assets | 78.8619% | 308 |
| Net loans and leases to deposits | 90.9684% | 468 |
| Net loans and leases to core deposits | 100.3018% | 505 |
| Total domestic deposits to total assets | 86.6915% | 3,042 |
| Equity capital to assets | 10.1812% | 1,770 |
| Core capital (leverage) ratio | 10.1535% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,002,380,500 | 388 |
| Average earning assets | $2,855,672,500 | 380 |
| Average equity | $308,262,500 | 389 |
| Average total loans | $2,386,624,000 | 317 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 1,120 |
| Cost of funding earning assets | 0.4711% | 1,056 |
| Net interest margin | 3.6524% | 1,333 |
| Noninterest income to average assets | 0.2680% | 3,784 |
| Noninterest expense to average assets | 1.8470% | 4,053 |
| Loan and lease loss provision to assets | 0.1328% | 919 |
| Net operating income to assets | 1.2376% | 1,783 |
| Return on assets (ROA) | 1.2416% | 1,825 |
| Pretax return on assets | 1.7512% | 1,021 |
| Return on Equity (ROE) | 12.2220% | 1,740 |
| Retained earnings to average equity (ytd only) | 6.8359% | 1,988 |
| Net charge-offs to loans | 0.0160% | 1,986 |
| Credit loss provision to net charge-offs | 1,028.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 145.4640% | 679 |
| Efficiency ratio | 49.5193% | 4,321 |
| Assets per employee ($millions) | 10.1583% | 636 |
| Cash dividends to net income (ytd only)* | 44.0687% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 1,293 |
| Loan loss allowance to noncurrent loans | 198.1794% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 1,038 |
| Noncurrent loans to loans | 0.7994% | 1,278 |
| Net loans and leases to total assets | 77.7386% | 395 |
| Net loans and leases to deposits | 89.8935% | 573 |
| Net loans and leases to core deposits | 100.6863% | 511 |
| Total domestic deposits to total assets | 86.4785% | 2,723 |
| Equity capital to assets | 10.3555% | 2,317 |
| Core capital (leverage) ratio | 9.9193% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,903,243,400 | 386 |
| Average earning assets | $2,748,639,600 | 373 |
| Average equity | $294,927,600 | 401 |
| Average total loans | $2,338,073,800 | 317 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 1,220 |
| Cost of funding earning assets | 0.5033% | 1,031 |
| Net interest margin | 3.6351% | 1,506 |
| Noninterest income to average assets | 0.2559% | 3,863 |
| Noninterest expense to average assets | 1.8473% | 4,060 |
| Loan and lease loss provision to assets | 0.2235% | 443 |
| Net operating income to assets | 1.1471% | 2,377 |
| Return on assets (ROA) | 1.1470% | 2,437 |
| Pretax return on assets | 1.6231% | 1,635 |
| Return on Equity (ROE) | 11.3473% | 2,260 |
| Retained earnings to average equity (ytd only) | 6.0912% | 2,782 |
| Net charge-offs to loans | 0.0184% | 1,689 |
| Credit loss provision to net charge-offs | 1,498.4520% | 406 |
| Earnings coverage of net charge-offs (x) | 123.8266% | 758 |
| Efficiency ratio | 49.9531% | 4,227 |
| Assets per employee ($millions) | 10.2493% | 598 |
| Cash dividends to net income (ytd only)* | 46.3205% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 1,248 |
| Loan loss allowance to noncurrent loans | 172.6828% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7408% | 991 |
| Noncurrent loans to loans | 0.9488% | 1,214 |
| Net loans and leases to total assets | 76.8057% | 482 |
| Net loans and leases to deposits | 90.1104% | 601 |
| Net loans and leases to core deposits | 101.9413% | 526 |
| Total domestic deposits to total assets | 85.2351% | 3,035 |
| Equity capital to assets | 10.0219% | 2,881 |
| Core capital (leverage) ratio | 9.9285% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,887,500,500 | 389 |
| Average earning assets | $2,731,099,500 | 380 |
| Average equity | $291,868,250 | 406 |
| Average total loans | $2,336,839,000 | 321 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1879% | 1,209 |
| Cost of funding earning assets | 0.5440% | 971 |
| Net interest margin | 3.6439% | 1,487 |
| Noninterest income to average assets | 0.2843% | 3,722 |
| Noninterest expense to average assets | 1.8667% | 4,043 |
| Loan and lease loss provision to assets | 0.2913% | 300 |
| Net operating income to assets | 1.1042% | 2,532 |
| Return on assets (ROA) | 1.1209% | 2,535 |
| Pretax return on assets | 1.5895% | 1,766 |
| Return on Equity (ROE) | 11.0568% | 2,408 |
| Retained earnings to average equity (ytd only) | 6.4555% | 2,638 |
| Net charge-offs to loans | 0.0280% | 1,392 |
| Credit loss provision to net charge-offs | 1,272.1713% | 401 |
| Earnings coverage of net charge-offs (x) | 81.2018% | 833 |
| Efficiency ratio | 50.0413% | 4,237 |
| Assets per employee ($millions) | 10.0483% | 596 |
| Cash dividends to net income (ytd only)* | 41.6156% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 1,291 |
| Loan loss allowance to noncurrent loans | 151.3592% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8698% | 897 |
| Noncurrent loans to loans | 1.0521% | 1,163 |
| Net loans and leases to total assets | 80.0205% | 320 |
| Net loans and leases to deposits | 94.6496% | 435 |
| Net loans and leases to core deposits | 107.9660% | 417 |
| Total domestic deposits to total assets | 84.5439% | 3,271 |
| Equity capital to assets | 10.1826% | 2,689 |
| Core capital (leverage) ratio | 10.0341% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,855,818,333 | 392 |
| Average earning assets | $2,697,538,000 | 381 |
| Average equity | $289,522,000 | 406 |
| Average total loans | $2,339,477,667 | 322 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 1,154 |
| Cost of funding earning assets | 0.5911% | 914 |
| Net interest margin | 3.6335% | 1,492 |
| Noninterest income to average assets | 0.2758% | 3,745 |
| Noninterest expense to average assets | 1.9101% | 3,967 |
| Loan and lease loss provision to assets | 0.2630% | 379 |
| Net operating income to assets | 1.0842% | 2,528 |
| Return on assets (ROA) | 1.0623% | 2,678 |
| Pretax return on assets | 1.5033% | 1,983 |
| Return on Equity (ROE) | 10.5023% | 2,530 |
| Retained earnings to average equity (ytd only) | 5.5341% | 3,052 |
| Net charge-offs to loans | 0.0046% | 1,745 |
| Credit loss provision to net charge-offs | 6,907.4074% | 93 |
| Earnings coverage of net charge-offs (x) | 471.1852% | 202 |
| Efficiency ratio | 51.5075% | 4,047 |
| Assets per employee ($millions) | 9.1397% | 791 |
| Cash dividends to net income (ytd only)* | 47.3055% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 1,535 |
| Loan loss allowance to noncurrent loans | 222.2870% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 1,652 |
| Noncurrent loans to loans | 0.6841% | 1,873 |
| Net loans and leases to total assets | 80.5724% | 306 |
| Net loans and leases to deposits | 95.5370% | 423 |
| Net loans and leases to core deposits | 109.8068% | 413 |
| Total domestic deposits to total assets | 84.3364% | 3,327 |
| Equity capital to assets | 10.1322% | 2,576 |
| Core capital (leverage) ratio | 10.0702% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,836,777,000 | 394 |
| Average earning assets | $2,676,394,500 | 383 |
| Average equity | $286,946,000 | 406 |
| Average total loans | $2,332,624,000 | 325 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 2,348 |
| Cost of funding earning assets | 1.1118% | 383 |
| Net interest margin | 3.0149% | 3,852 |
| Noninterest income to average assets | 0.3099% | 3,631 |
| Noninterest expense to average assets | 1.8535% | 4,385 |
| Loan and lease loss provision to assets | 0.3256% | 1,116 |
| Net operating income to assets | 0.7056% | 3,416 |
| Return on assets (ROA) | 0.7806% | 3,291 |
| Pretax return on assets | 1.1024% | 2,685 |
| Return on Equity (ROE) | 8.1184% | 2,767 |
| Retained earnings to average equity (ytd only) | 1.9038% | 3,867 |
| Net charge-offs to loans | -0.0201% | 4,430 |
| Credit loss provision to net charge-offs | -2,034.6983% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0980% | 3,713 |
| Assets per employee ($millions) | 9.3443% | 666 |
| Cash dividends to net income (ytd only)* | 76.5496% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 1,808 |
| Loan loss allowance to noncurrent loans | 182.1081% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 1,563 |
| Noncurrent loans to loans | 0.7920% | 1,752 |
| Net loans and leases to total assets | 81.4517% | 331 |
| Net loans and leases to deposits | 99.1273% | 409 |
| Net loans and leases to core deposits | 115.1646% | 382 |
| Total domestic deposits to total assets | 82.1688% | 3,628 |
| Equity capital to assets | 10.0981% | 3,034 |
| Core capital (leverage) ratio | 9.8776% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,899,741,000 | 353 |
| Average earning assets | $2,766,770,400 | 337 |
| Average equity | $278,810,000 | 396 |
| Average total loans | $2,304,826,400 | 311 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 2,723 |
| Cost of funding earning assets | 1.2278% | 333 |
| Net interest margin | 2.8536% | 4,255 |
| Noninterest income to average assets | 0.3266% | 3,533 |
| Noninterest expense to average assets | 1.8012% | 4,499 |
| Loan and lease loss provision to assets | 0.3437% | 1,110 |
| Net operating income to assets | 0.6396% | 3,666 |
| Return on assets (ROA) | 0.6802% | 3,629 |
| Pretax return on assets | 0.9651% | 3,178 |
| Return on Equity (ROE) | 7.1615% | 3,138 |
| Retained earnings to average equity (ytd only) | -0.7766% | 4,590 |
| Net charge-offs to loans | -0.0290% | 4,521 |
| Credit loss provision to net charge-offs | -1,505.2000% | 4,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8170% | 3,552 |
| Assets per employee ($millions) | 9.3774% | 622 |
| Cash dividends to net income (ytd only)* | 110.8440% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 2,121 |
| Loan loss allowance to noncurrent loans | 298.8052% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 2,452 |
| Noncurrent loans to loans | 0.4383% | 2,744 |
| Net loans and leases to total assets | 84.2384% | 258 |
| Net loans and leases to deposits | 105.2025% | 349 |
| Net loans and leases to core deposits | 124.2747% | 338 |
| Total domestic deposits to total assets | 80.0726% | 3,849 |
| Equity capital to assets | 9.8061% | 3,424 |
| Core capital (leverage) ratio | 9.3774% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,919,181,000 | 336 |
| Average earning assets | $2,794,822,250 | 324 |
| Average equity | $277,271,000 | 391 |
| Average total loans | $2,297,985,500 | 306 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 3,304 |
| Cost of funding earning assets | 1.3203% | 332 |
| Net interest margin | 2.6869% | 4,567 |
| Noninterest income to average assets | 0.1045% | 4,763 |
| Noninterest expense to average assets | 1.7802% | 4,585 |
| Loan and lease loss provision to assets | 0.3260% | 1,311 |
| Net operating income to assets | 0.4131% | 4,212 |
| Return on assets (ROA) | 0.4153% | 4,264 |
| Pretax return on assets | 0.5890% | 4,086 |
| Return on Equity (ROE) | 4.4188% | 3,994 |
| Retained earnings to average equity (ytd only) | -4.4982% | 4,752 |
| Net charge-offs to loans | -0.0273% | 4,503 |
| Credit loss provision to net charge-offs | -1,558.4416% | 3,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0394% | 2,512 |
| Assets per employee ($millions) | 8.7882% | 727 |
| Cash dividends to net income (ytd only)* | 201.7986% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,438 |
| Loan loss allowance to noncurrent loans | 440.9418% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 3,225 |
| Noncurrent loans to loans | 0.2756% | 3,395 |
| Net loans and leases to total assets | 78.4590% | 795 |
| Net loans and leases to deposits | 95.8694% | 808 |
| Net loans and leases to core deposits | 116.4984% | 516 |
| Total domestic deposits to total assets | 81.8395% | 3,413 |
| Equity capital to assets | 9.2749% | 3,859 |
| Core capital (leverage) ratio | 8.9574% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,945,128,000 | 332 |
| Average earning assets | $2,836,507,000 | 321 |
| Average equity | $276,820,000 | 387 |
| Average total loans | $2,255,560,667 | 308 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1993% | 3,208 |
| Cost of funding earning assets | 1.4299% | 346 |
| Net interest margin | 2.7694% | 4,599 |
| Noninterest income to average assets | 0.1339% | 4,700 |
| Noninterest expense to average assets | 1.9607% | 4,470 |
| Loan and lease loss provision to assets | 0.2052% | 1,487 |
| Net operating income to assets | 0.4487% | 4,018 |
| Return on assets (ROA) | 0.4013% | 4,167 |
| Pretax return on assets | 0.5752% | 3,967 |
| Return on Equity (ROE) | 4.2405% | 3,886 |
| Retained earnings to average equity (ytd only) | -3.6911% | 4,415 |
| Net charge-offs to loans | -0.0546% | 4,665 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9082% | 2,368 |
| Assets per employee ($millions) | 7.9265% | 754 |
| Cash dividends to net income (ytd only)* | 187.0440% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 2,850 |
| Loan loss allowance to noncurrent loans | 386.1183% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 3,327 |
| Noncurrent loans to loans | 0.3019% | 3,417 |
| Net loans and leases to total assets | 73.6175% | 1,676 |
| Net loans and leases to deposits | 91.1233% | 1,390 |
| Net loans and leases to core deposits | 113.0105% | 710 |
| Total domestic deposits to total assets | 80.7889% | 3,710 |
| Equity capital to assets | 9.4152% | 4,304 |
| Core capital (leverage) ratio | 9.2152% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,923,693,500 | 329 |
| Average earning assets | $2,815,781,000 | 315 |
| Average equity | $276,663,000 | 385 |
| Average total loans | $2,196,743,500 | 307 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 2,448 |
| Cost of funding earning assets | 1.4492% | 464 |
| Net interest margin | 3.2083% | 4,168 |
| Noninterest income to average assets | 0.1533% | 4,726 |
| Noninterest expense to average assets | 1.9884% | 4,553 |
| Loan and lease loss provision to assets | 0.0746% | 2,498 |
| Net operating income to assets | 0.8217% | 3,479 |
| Return on assets (ROA) | 0.8349% | 3,524 |
| Pretax return on assets | 1.1931% | 2,867 |
| Return on Equity (ROE) | 9.0384% | 2,737 |
| Retained earnings to average equity (ytd only) | 4.3385% | 2,794 |
| Net charge-offs to loans | 0.0303% | 2,792 |
| Credit loss provision to net charge-offs | 298.1268% | 940 |
| Earnings coverage of net charge-offs (x) | 49.9625% | 1,132 |
| Efficiency ratio | 61.3013% | 3,496 |
| Assets per employee ($millions) | 7.9634% | 725 |
| Cash dividends to net income (ytd only)* | 51.9986% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,076 |
| Loan loss allowance to noncurrent loans | 258.0344% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 2,917 |
| Noncurrent loans to loans | 0.4175% | 2,949 |
| Net loans and leases to total assets | 74.9771% | 1,590 |
| Net loans and leases to deposits | 92.2558% | 1,338 |
| Net loans and leases to core deposits | 114.6675% | 645 |
| Total domestic deposits to total assets | 81.2709% | 3,709 |
| Equity capital to assets | 9.5109% | 4,343 |
| Core capital (leverage) ratio | 9.5140% | 4,046 |
| Tier 1 risk-based capital ratio | 12.7234% | 3,933 |
| Total risk-based capital ratio | 13.8353% | 3,902 |
| Memoranda: | ||
| Average total assets | $2,771,624,200 | 331 |
| Average earning assets | $2,666,111,400 | 319 |
| Average equity | $256,030,400 | 387 |
| Average total loans | $2,288,338,400 | 298 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 2,370 |
| Cost of funding earning assets | 1.4344% | 507 |
| Net interest margin | 3.2801% | 4,124 |
| Noninterest income to average assets | 0.1600% | 4,744 |
| Noninterest expense to average assets | 1.9964% | 4,564 |
| Loan and lease loss provision to assets | 0.1239% | 1,574 |
| Net operating income to assets | 0.8322% | 3,568 |
| Return on assets (ROA) | 0.8523% | 3,592 |
| Pretax return on assets | 1.2197% | 2,920 |
| Return on Equity (ROE) | 9.2997% | 2,760 |
| Retained earnings to average equity (ytd only) | 4.2572% | 3,268 |
| Net charge-offs to loans | 0.0122% | 2,924 |
| Credit loss provision to net charge-offs | 1,200.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 127.6649% | 615 |
| Efficiency ratio | 60.1528% | 3,614 |
| Assets per employee ($millions) | 8.0223% | 686 |
| Cash dividends to net income (ytd only)* | 54.2224% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 3,123 |
| Loan loss allowance to noncurrent loans | 206.4292% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 2,819 |
| Noncurrent loans to loans | 0.5242% | 2,721 |
| Net loans and leases to total assets | 79.9221% | 854 |
| Net loans and leases to deposits | 99.6935% | 660 |
| Net loans and leases to core deposits | 121.3238% | 493 |
| Total domestic deposits to total assets | 80.1678% | 3,959 |
| Equity capital to assets | 9.1785% | 4,678 |
| Core capital (leverage) ratio | 9.1578% | 4,510 |
| Tier 1 risk-based capital ratio | 11.8803% | 4,470 |
| Total risk-based capital ratio | 13.0336% | 4,421 |
| Memoranda: | ||
| Average total assets | $2,737,867,000 | 335 |
| Average earning assets | $2,632,916,250 | 326 |
| Average equity | $250,925,500 | 395 |
| Average total loans | $2,309,658,500 | 300 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 2,303 |
| Cost of funding earning assets | 1.4035% | 530 |
| Net interest margin | 3.3167% | 4,101 |
| Noninterest income to average assets | 0.1741% | 4,705 |
| Noninterest expense to average assets | 2.0255% | 4,565 |
| Loan and lease loss provision to assets | 0.1214% | 1,545 |
| Net operating income to assets | 0.8510% | 3,466 |
| Return on assets (ROA) | 0.8676% | 3,471 |
| Pretax return on assets | 1.2401% | 2,786 |
| Return on Equity (ROE) | 9.4717% | 2,650 |
| Retained earnings to average equity (ytd only) | 4.6226% | 2,963 |
| Net charge-offs to loans | 0.0185% | 2,505 |
| Credit loss provision to net charge-offs | 768.2243% | 434 |
| Earnings coverage of net charge-offs (x) | 84.8505% | 780 |
| Efficiency ratio | 60.0943% | 3,716 |
| Assets per employee ($millions) | 7.4772% | 823 |
| Cash dividends to net income (ytd only)* | 51.1954% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,484 |
| Loan loss allowance to noncurrent loans | 193.6742% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 2,572 |
| Noncurrent loans to loans | 0.5286% | 2,692 |
| Net loans and leases to total assets | 84.0359% | 357 |
| Net loans and leases to deposits | 104.1173% | 415 |
| Net loans and leases to core deposits | 126.3013% | 385 |
| Total domestic deposits to total assets | 80.7127% | 3,891 |
| Equity capital to assets | 9.3891% | 4,516 |
| Core capital (leverage) ratio | 9.2812% | 4,377 |
| Tier 1 risk-based capital ratio | 11.5713% | 4,648 |
| Total risk-based capital ratio | 12.6655% | 4,624 |
| Memoranda: | ||
| Average total assets | $2,709,200,330 | 340 |
| Average earning assets | $2,607,207,330 | 327 |
| Average equity | $248,171,000 | 397 |
| Average total loans | $2,319,016,330 | 301 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 2,162 |
| Cost of funding earning assets | 1.3869% | 481 |
| Net interest margin | 3.3335% | 4,085 |
| Noninterest income to average assets | 0.1767% | 4,689 |
| Noninterest expense to average assets | 2.0295% | 4,589 |
| Loan and lease loss provision to assets | 0.1319% | 1,318 |
| Net operating income to assets | 0.8523% | 3,442 |
| Return on assets (ROA) | 0.8864% | 3,340 |
| Pretax return on assets | 1.2694% | 2,572 |
| Return on Equity (ROE) | 9.8005% | 2,445 |
| Retained earnings to average equity (ytd only) | 4.0413% | 3,302 |
| Net charge-offs to loans | 0.0421% | 1,668 |
| Credit loss provision to net charge-offs | 364.3443% | 741 |
| Earnings coverage of net charge-offs (x) | 37.5082% | 1,197 |
| Efficiency ratio | 59.8213% | 3,831 |
| Assets per employee ($millions) | 7.5686% | 792 |
| Cash dividends to net income (ytd only)* | 58.7644% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,793 |
| Loan loss allowance to noncurrent loans | 187.7418% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 2,565 |
| Noncurrent loans to loans | 0.5255% | 2,743 |
| Net loans and leases to total assets | 84.9602% | 285 |
| Net loans and leases to deposits | 105.4327% | 335 |
| Net loans and leases to core deposits | 137.6512% | 211 |
| Total domestic deposits to total assets | 80.5824% | 4,054 |
| Equity capital to assets | 9.2685% | 4,465 |
| Core capital (leverage) ratio | 9.2265% | 4,439 |
| Tier 1 risk-based capital ratio | 11.3533% | 4,807 |
| Total risk-based capital ratio | 12.4073% | 4,816 |
| Memoranda: | ||
| Average total assets | $2,695,477,500 | 345 |
| Average earning assets | $2,596,312,500 | 332 |
| Average equity | $243,783,000 | 403 |
| Average total loans | $2,316,747,500 | 303 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6362% | 2,036 |
| Cost of funding earning assets | 1.1514% | 411 |
| Net interest margin | 3.4848% | 3,756 |
| Noninterest income to average assets | 0.3268% | 3,919 |
| Noninterest expense to average assets | 2.3656% | 3,966 |
| Loan and lease loss provision to assets | 0.2165% | 838 |
| Net operating income to assets | 0.7723% | 3,907 |
| Return on assets (ROA) | 0.7516% | 3,968 |
| Pretax return on assets | 1.0787% | 3,354 |
| Return on Equity (ROE) | 8.7122% | 3,140 |
| Retained earnings to average equity (ytd only) | 3.2033% | 3,797 |
| Net charge-offs to loans | 0.0072% | 3,429 |
| Credit loss provision to net charge-offs | 3,513.6986% | 144 |
| Earnings coverage of net charge-offs (x) | 214.4658% | 431 |
| Efficiency ratio | 64.0776% | 3,181 |
| Assets per employee ($millions) | 7.3255% | 864 |
| Cash dividends to net income (ytd only)* | 63.2321% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 3,855 |
| Loan loss allowance to noncurrent loans | 142.9055% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 2,136 |
| Noncurrent loans to loans | 0.6797% | 2,296 |
| Net loans and leases to total assets | 85.2581% | 292 |
| Net loans and leases to deposits | 104.4787% | 460 |
| Net loans and leases to core deposits | 139.6281% | 204 |
| Total domestic deposits to total assets | 81.6034% | 3,756 |
| Equity capital to assets | 8.8162% | 4,724 |
| Core capital (leverage) ratio | 8.7205% | 4,863 |
| Tier 1 risk-based capital ratio | 10.9632% | 4,996 |
| Total risk-based capital ratio | 12.0140% | 4,976 |
| Memoranda: | ||
| Average total assets | $2,369,592,400 | 369 |
| Average earning assets | $2,284,794,400 | 356 |
| Average equity | $204,414,000 | 441 |
| Average total loans | $2,027,528,600 | 326 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 2,164 |
| Cost of funding earning assets | 1.0601% | 463 |
| Net interest margin | 3.4777% | 3,770 |
| Noninterest income to average assets | 0.3736% | 3,642 |
| Noninterest expense to average assets | 2.4533% | 3,720 |
| Loan and lease loss provision to assets | 0.2505% | 628 |
| Net operating income to assets | 0.7146% | 4,177 |
| Return on assets (ROA) | 0.7035% | 4,221 |
| Pretax return on assets | 1.0071% | 3,702 |
| Return on Equity (ROE) | 8.2079% | 3,464 |
| Retained earnings to average equity (ytd only) | 2.3372% | 4,457 |
| Net charge-offs to loans | 0.0123% | 2,980 |
| Credit loss provision to net charge-offs | 2,393.8889% | 175 |
| Earnings coverage of net charge-offs (x) | 121.5298% | 649 |
| Efficiency ratio | 65.7865% | 2,907 |
| Assets per employee ($millions) | 7.4046% | 805 |
| Cash dividends to net income (ytd only)* | 71.5253% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 4,028 |
| Loan loss allowance to noncurrent loans | 92.7096% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.9267% | 1,594 |
| Noncurrent loans to loans | 1.0317% | 1,660 |
| Net loans and leases to total assets | 84.4744% | 402 |
| Net loans and leases to deposits | 105.1987% | 474 |
| Net loans and leases to core deposits | 137.8423% | 224 |
| Total domestic deposits to total assets | 80.2998% | 4,039 |
| Equity capital to assets | 8.7602% | 4,749 |
| Core capital (leverage) ratio | 9.0538% | 4,656 |
| Tier 1 risk-based capital ratio | 11.1579% | 4,964 |
| Total risk-based capital ratio | 12.1935% | 4,967 |
| Memoranda: | ||
| Average total assets | $2,293,536,750 | 377 |
| Average earning assets | $2,210,192,250 | 363 |
| Average equity | $196,585,500 | 457 |
| Average total loans | $1,958,909,750 | 331 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 2,230 |
| Cost of funding earning assets | 0.9616% | 554 |
| Net interest margin | 3.4966% | 3,637 |
| Noninterest income to average assets | 0.4412% | 3,210 |
| Noninterest expense to average assets | 2.5572% | 3,453 |
| Loan and lease loss provision to assets | 0.3122% | 445 |
| Net operating income to assets | 0.6622% | 4,312 |
| Return on assets (ROA) | 0.6506% | 4,353 |
| Pretax return on assets | 0.9331% | 3,867 |
| Return on Equity (ROE) | 7.6580% | 3,645 |
| Retained earnings to average equity (ytd only) | 2.2070% | 4,396 |
| Net charge-offs to loans | 0.0147% | 2,649 |
| Credit loss provision to net charge-offs | 2,483.2117% | 173 |
| Earnings coverage of net charge-offs (x) | 100.2190% | 694 |
| Efficiency ratio | 66.9912% | 2,824 |
| Assets per employee ($millions) | 6.7789% | 1,028 |
| Cash dividends to net income (ytd only)* | 71.1807% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 4,047 |
| Loan loss allowance to noncurrent loans | 87.8260% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 1,534 |
| Noncurrent loans to loans | 1.0972% | 1,608 |
| Net loans and leases to total assets | 84.3438% | 423 |
| Net loans and leases to deposits | 106.8496% | 401 |
| Net loans and leases to core deposits | 138.1766% | 213 |
| Total domestic deposits to total assets | 78.9369% | 4,435 |
| Equity capital to assets | 7.8115% | 5,295 |
| Core capital (leverage) ratio | 8.4437% | 5,147 |
| Tier 1 risk-based capital ratio | 9.8033% | 5,465 |
| Total risk-based capital ratio | 10.8332% | 5,460 |
| Memoranda: | ||
| Average total assets | $2,179,371,000 | 390 |
| Average earning assets | $2,104,137,670 | 373 |
| Average equity | $185,139,670 | 472 |
| Average total loans | $1,862,454,000 | 342 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,401 |
| Cost of funding earning assets | 0.9162% | 550 |
| Net interest margin | 3.4188% | 3,824 |
| Noninterest income to average assets | 0.6699% | 1,960 |
| Noninterest expense to average assets | 2.3828% | 3,994 |
| Loan and lease loss provision to assets | 0.2669% | 523 |
| Net operating income to assets | 0.9533% | 3,062 |
| Return on assets (ROA) | 0.9332% | 3,161 |
| Pretax return on assets | 1.3021% | 2,361 |
| Return on Equity (ROE) | 10.4591% | 2,198 |
| Retained earnings to average equity (ytd only) | 5.0746% | 3,137 |
| Net charge-offs to loans | 0.0882% | 1,277 |
| Credit loss provision to net charge-offs | 353.1579% | 735 |
| Earnings coverage of net charge-offs (x) | 21.1000% | 1,440 |
| Efficiency ratio | 59.9120% | 4,079 |
| Assets per employee ($millions) | 6.3837% | 1,264 |
| Cash dividends to net income (ytd only)* | 51.4809% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 3,792 |
| Loan loss allowance to noncurrent loans | 174.7879% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 2,609 |
| Noncurrent loans to loans | 0.5883% | 2,774 |
| Net loans and leases to total assets | 84.8016% | 356 |
| Net loans and leases to deposits | 104.3024% | 465 |
| Net loans and leases to core deposits | 130.0068% | 344 |
| Total domestic deposits to total assets | 81.3036% | 4,132 |
| Equity capital to assets | 8.6416% | 4,866 |
| Core capital (leverage) ratio | 9.1676% | 4,479 |
| Tier 1 risk-based capital ratio | 11.3639% | 4,945 |
| Total risk-based capital ratio | 12.4914% | 4,903 |
| Memoranda: | ||
| Average total assets | $2,011,563,500 | 420 |
| Average earning assets | $1,945,942,000 | 404 |
| Average equity | $179,480,500 | 488 |
| Average total loans | $1,722,744,000 | 369 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 1,918 |
| Cost of funding earning assets | 0.8828% | 414 |
| Net interest margin | 3.5553% | 3,319 |
| Noninterest income to average assets | 0.3843% | 3,736 |
| Noninterest expense to average assets | 2.5697% | 3,544 |
| Loan and lease loss provision to assets | 0.1154% | 1,967 |
| Net operating income to assets | 0.5560% | 4,205 |
| Return on assets (ROA) | 0.5594% | 4,224 |
| Pretax return on assets | 1.1260% | 3,080 |
| Return on Equity (ROE) | 6.7418% | 3,413 |
| Retained earnings to average equity (ytd only) | 1.8671% | 4,193 |
| Net charge-offs to loans | 0.1222% | 1,826 |
| Credit loss provision to net charge-offs | 108.5391% | 2,400 |
| Earnings coverage of net charge-offs (x) | 11.6235% | 2,552 |
| Efficiency ratio | 67.5200% | 2,992 |
| Assets per employee ($millions) | 6.1848% | 1,391 |
| Cash dividends to net income (ytd only)* | 72.3059% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,655 |
| Loan loss allowance to noncurrent loans | 130.1303% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 2,186 |
| Noncurrent loans to loans | 0.8032% | 2,205 |
| Net loans and leases to total assets | 84.7037% | 372 |
| Net loans and leases to deposits | 104.7604% | 459 |
| Net loans and leases to core deposits | 125.4196% | 452 |
| Total domestic deposits to total assets | 80.8547% | 4,152 |
| Equity capital to assets | 9.2233% | 4,504 |
| Core capital (leverage) ratio | 9.5037% | 4,051 |
| Tier 1 risk-based capital ratio | 12.0898% | 4,471 |
| Total risk-based capital ratio | 13.2423% | 4,416 |
| Memoranda: | ||
| Average total assets | $1,827,923,200 | 436 |
| Average earning assets | $1,759,190,400 | 419 |
| Average equity | $151,679,600 | 541 |
| Average total loans | $1,590,355,800 | 381 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 1,877 |
| Cost of funding earning assets | 0.8920% | 367 |
| Net interest margin | 3.5331% | 3,378 |
| Noninterest income to average assets | 0.4072% | 3,636 |
| Noninterest expense to average assets | 2.5927% | 3,432 |
| Loan and lease loss provision to assets | 0.1323% | 1,644 |
| Net operating income to assets | 0.6479% | 4,198 |
| Return on assets (ROA) | 0.6525% | 4,231 |
| Pretax return on assets | 1.0865% | 3,353 |
| Return on Equity (ROE) | 8.1074% | 3,077 |
| Retained earnings to average equity (ytd only) | 2.9756% | 4,144 |
| Net charge-offs to loans | 0.0462% | 2,520 |
| Credit loss provision to net charge-offs | 327.5229% | 917 |
| Earnings coverage of net charge-offs (x) | 30.0018% | 1,554 |
| Efficiency ratio | 68.1522% | 2,851 |
| Assets per employee ($millions) | 6.0560% | 1,454 |
| Cash dividends to net income (ytd only)* | 63.2977% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 3,346 |
| Loan loss allowance to noncurrent loans | 103.9908% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.0234% | 1,650 |
| Noncurrent loans to loans | 1.0817% | 1,780 |
| Net loans and leases to total assets | 86.6623% | 217 |
| Net loans and leases to deposits | 104.8065% | 459 |
| Net loans and leases to core deposits | 124.0710% | 462 |
| Total domestic deposits to total assets | 82.6879% | 3,552 |
| Equity capital to assets | 9.6328% | 4,317 |
| Core capital (leverage) ratio | 9.9744% | 3,599 |
| Tier 1 risk-based capital ratio | 12.4241% | 4,366 |
| Total risk-based capital ratio | 13.6742% | 4,272 |
| Memoranda: | ||
| Average total assets | $1,799,396,500 | 446 |
| Average earning assets | $1,730,062,000 | 429 |
| Average equity | $144,819,500 | 561 |
| Average total loans | $1,572,358,000 | 379 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4398% | 1,695 |
| Cost of funding earning assets | 0.9126% | 281 |
| Net interest margin | 3.5272% | 3,303 |
| Noninterest income to average assets | 0.4605% | 3,284 |
| Noninterest expense to average assets | 2.6693% | 3,199 |
| Loan and lease loss provision to assets | 0.1435% | 1,422 |
| Net operating income to assets | 0.6239% | 4,188 |
| Return on assets (ROA) | 0.6239% | 4,240 |
| Pretax return on assets | 1.0350% | 3,426 |
| Return on Equity (ROE) | 8.3275% | 2,861 |
| Retained earnings to average equity (ytd only) | 2.7427% | 4,066 |
| Net charge-offs to loans | 0.0670% | 1,967 |
| Credit loss provision to net charge-offs | 245.4721% | 1,096 |
| Earnings coverage of net charge-offs (x) | 20.1580% | 1,806 |
| Efficiency ratio | 69.3717% | 2,793 |
| Assets per employee ($millions) | 5.7237% | 1,678 |
| Cash dividends to net income (ytd only)* | 67.0639% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,440 |
| Loan loss allowance to noncurrent loans | 107.1646% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.0686% | 1,636 |
| Noncurrent loans to loans | 1.0505% | 1,870 |
| Net loans and leases to total assets | 86.9543% | 208 |
| Net loans and leases to deposits | 105.4333% | 421 |
| Net loans and leases to core deposits | 122.9761% | 467 |
| Total domestic deposits to total assets | 82.4733% | 3,740 |
| Equity capital to assets | 7.4697% | 5,659 |
| Core capital (leverage) ratio | 7.6518% | 5,620 |
| Tier 1 risk-based capital ratio | 9.6308% | 5,693 |
| Total risk-based capital ratio | 10.8808% | 5,670 |
| Memoranda: | ||
| Average total assets | $1,775,422,330 | 455 |
| Average earning assets | $1,705,047,000 | 437 |
| Average equity | $133,005,670 | 620 |
| Average total loans | $1,549,751,330 | 385 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 1,599 |
| Cost of funding earning assets | 0.9047% | 274 |
| Net interest margin | 3.5101% | 3,238 |
| Noninterest income to average assets | 0.5012% | 2,974 |
| Noninterest expense to average assets | 2.6329% | 3,371 |
| Loan and lease loss provision to assets | 0.1134% | 1,689 |
| Net operating income to assets | 0.6763% | 3,804 |
| Return on assets (ROA) | 0.6763% | 3,845 |
| Pretax return on assets | 1.1258% | 2,880 |
| Return on Equity (ROE) | 9.0145% | 2,413 |
| Retained earnings to average equity (ytd only) | 3.3763% | 3,748 |
| Net charge-offs to loans | 0.0474% | 1,903 |
| Credit loss provision to net charge-offs | 275.1381% | 829 |
| Earnings coverage of net charge-offs (x) | 30.0552% | 1,218 |
| Efficiency ratio | 67.9962% | 3,197 |
| Assets per employee ($millions) | 5.7097% | 1,718 |
| Cash dividends to net income (ytd only)* | 62.5463% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 3,499 |
| Loan loss allowance to noncurrent loans | 104.0736% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 1,665 |
| Noncurrent loans to loans | 1.0885% | 1,884 |
| Net loans and leases to total assets | 84.7721% | 307 |
| Net loans and leases to deposits | 100.9855% | 552 |
| Net loans and leases to core deposits | 116.9922% | 558 |
| Total domestic deposits to total assets | 83.9448% | 3,497 |
| Equity capital to assets | 7.1775% | 5,734 |
| Core capital (leverage) ratio | 7.5066% | 5,705 |
| Tier 1 risk-based capital ratio | 9.4420% | 5,777 |
| Total risk-based capital ratio | 10.6909% | 5,768 |
| Memoranda: | ||
| Average total assets | $1,755,923,000 | 463 |
| Average earning assets | $1,686,333,000 | 445 |
| Average equity | $131,743,000 | 622 |
| Average total loans | $1,526,786,500 | 391 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 1,715 |
| Cost of funding earning assets | 0.9974% | 178 |
| Net interest margin | 3.4412% | 3,656 |
| Noninterest income to average assets | 0.3326% | 4,354 |
| Noninterest expense to average assets | 2.8296% | 2,922 |
| Loan and lease loss provision to assets | 0.0016% | 4,313 |
| Net operating income to assets | 0.4863% | 4,686 |
| Return on assets (ROA) | 0.4863% | 4,764 |
| Pretax return on assets | 0.8041% | 4,179 |
| Return on Equity (ROE) | 6.1019% | 3,925 |
| Retained earnings to average equity (ytd only) | 1.1759% | 4,817 |
| Net charge-offs to loans | 0.0590% | 2,866 |
| Credit loss provision to net charge-offs | 3.1395% | 3,770 |
| Earnings coverage of net charge-offs (x) | 15.8151% | 2,171 |
| Efficiency ratio | 77.8359% | 1,714 |
| Assets per employee ($millions) | 4.8373% | 2,593 |
| Cash dividends to net income (ytd only)* | 80.7285% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,478 |
| Loan loss allowance to noncurrent loans | 94.0177% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.2784% | 1,390 |
| Noncurrent loans to loans | 1.2150% | 1,690 |
| Net loans and leases to total assets | 87.2184% | 166 |
| Net loans and leases to deposits | 106.9086% | 306 |
| Net loans and leases to core deposits | 123.2373% | 399 |
| Total domestic deposits to total assets | 81.5822% | 4,185 |
| Equity capital to assets | 7.8465% | 5,620 |
| Core capital (leverage) ratio | 8.0994% | 5,564 |
| Tier 1 risk-based capital ratio | 10.0861% | 5,713 |
| Total risk-based capital ratio | 11.3361% | 5,665 |
| Memoranda: | ||
| Average total assets | $1,688,026,600 | 460 |
| Average earning assets | $1,620,084,400 | 441 |
| Average equity | $134,532,400 | 589 |
| Average total loans | $1,458,681,400 | 383 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 1,782 |
| Cost of funding earning assets | 1.0302% | 144 |
| Net interest margin | 3.3936% | 3,870 |
| Noninterest income to average assets | 0.3453% | 4,313 |
| Noninterest expense to average assets | 2.8640% | 2,771 |
| Loan and lease loss provision to assets | -0.0059% | 5,639 |
| Net operating income to assets | 0.4499% | 4,875 |
| Return on assets (ROA) | 0.4499% | 4,959 |
| Pretax return on assets | 0.7449% | 4,490 |
| Return on Equity (ROE) | 5.6225% | 4,262 |
| Retained earnings to average equity (ytd only) | -0.7069% | 5,460 |
| Net charge-offs to loans | 0.0347% | 2,936 |
| Credit loss provision to net charge-offs | -19.8939% | 4,631 |
| Earnings coverage of net charge-offs (x) | 24.7429% | 1,660 |
| Efficiency ratio | 79.4912% | 1,494 |
| Assets per employee ($millions) | 4.5669% | 2,980 |
| Cash dividends to net income (ytd only)* | 112.5727% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 3,158 |
| Loan loss allowance to noncurrent loans | 85.8803% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.3991% | 1,333 |
| Noncurrent loans to loans | 1.4123% | 1,548 |
| Net loans and leases to total assets | 85.4797% | 290 |
| Net loans and leases to deposits | 103.7825% | 470 |
| Net loans and leases to core deposits | 119.8486% | 511 |
| Total domestic deposits to total assets | 82.3643% | 3,819 |
| Equity capital to assets | 7.9784% | 5,746 |
| Core capital (leverage) ratio | 7.8311% | 5,748 |
| Tier 1 risk-based capital ratio | 10.3196% | 5,694 |
| Total risk-based capital ratio | 11.5707% | 5,619 |
| Memoranda: | ||
| Average total assets | $1,683,141,500 | 462 |
| Average earning assets | $1,615,714,000 | 440 |
| Average equity | $134,669,500 | 588 |
| Average total loans | $1,446,721,500 | 388 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 1,801 |
| Cost of funding earning assets | 1.0357% | 132 |
| Net interest margin | 3.3736% | 3,987 |
| Noninterest income to average assets | 0.3559% | 4,228 |
| Noninterest expense to average assets | 2.8306% | 2,919 |
| Loan and lease loss provision to assets | 0.0268% | 3,593 |
| Net operating income to assets | 0.4401% | 4,902 |
| Return on assets (ROA) | 0.4401% | 4,988 |
| Pretax return on assets | 0.7396% | 4,497 |
| Return on Equity (ROE) | 5.4954% | 4,292 |
| Retained earnings to average equity (ytd only) | -0.8816% | 5,424 |
| Net charge-offs to loans | -0.0097% | 4,685 |
| Credit loss provision to net charge-offs | -322.8571% | 4,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6930% | 1,690 |
| Assets per employee ($millions) | 4.4969% | 3,035 |
| Cash dividends to net income (ytd only)* | 116.0421% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 2,977 |
| Loan loss allowance to noncurrent loans | 53.0767% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 2.0669% | 775 |
| Noncurrent loans to loans | 2.3859% | 754 |
| Net loans and leases to total assets | 82.3683% | 590 |
| Net loans and leases to deposits | 102.5387% | 532 |
| Net loans and leases to core deposits | 120.4436% | 501 |
| Total domestic deposits to total assets | 80.3290% | 4,469 |
| Equity capital to assets | 7.7271% | 5,873 |
| Core capital (leverage) ratio | 7.8790% | 5,788 |
| Tier 1 risk-based capital ratio | 10.4030% | 5,719 |
| Total risk-based capital ratio | 11.6550% | 5,631 |
| Memoranda: | ||
| Average total assets | $1,685,504,330 | 460 |
| Average earning assets | $1,619,345,000 | 439 |
| Average equity | $134,985,330 | 586 |
| Average total loans | $1,445,537,000 | 385 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 1,306 |
| Cost of funding earning assets | 1.0282% | 140 |
| Net interest margin | 3.5550% | 3,255 |
| Noninterest income to average assets | 0.2927% | 4,628 |
| Noninterest expense to average assets | 2.8225% | 2,983 |
| Loan and lease loss provision to assets | 0.0455% | 3,009 |
| Net operating income to assets | 0.5006% | 4,627 |
| Return on assets (ROA) | 0.5006% | 4,726 |
| Pretax return on assets | 0.8405% | 4,062 |
| Return on Equity (ROE) | 6.1382% | 3,912 |
| Retained earnings to average equity (ytd only) | -0.2215% | 5,146 |
| Net charge-offs to loans | 0.0174% | 2,588 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 58.3810% | 799 |
| Efficiency ratio | 76.1076% | 2,163 |
| Assets per employee ($millions) | 4.8136% | 2,563 |
| Cash dividends to net income (ytd only)* | 103.6092% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 3,153 |
| Loan loss allowance to noncurrent loans | 72.1812% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.5957% | 1,251 |
| Noncurrent loans to loans | 1.7378% | 1,287 |
| Net loans and leases to total assets | 83.9310% | 378 |
| Net loans and leases to deposits | 105.9061% | 344 |
| Net loans and leases to core deposits | 125.4091% | 346 |
| Total domestic deposits to total assets | 79.2504% | 4,913 |
| Equity capital to assets | 7.8980% | 5,860 |
| Core capital (leverage) ratio | 8.1568% | 5,680 |
| Tier 1 risk-based capital ratio | 10.5036% | 5,747 |
| Total risk-based capital ratio | 11.7555% | 5,662 |
| Memoranda: | ||
| Average total assets | $1,660,346,500 | 464 |
| Average earning assets | $1,595,367,000 | 439 |
| Average equity | $135,413,500 | 583 |
| Average total loans | $1,444,254,000 | 383 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 860 |
| Cost of funding earning assets | 0.9758% | 196 |
| Net interest margin | 3.8671% | 2,139 |
| Noninterest income to average assets | 0.4235% | 3,865 |
| Noninterest expense to average assets | 3.1481% | 2,092 |
| Loan and lease loss provision to assets | 0.1551% | 1,509 |
| Net operating income to assets | 0.4922% | 4,725 |
| Return on assets (ROA) | 0.4922% | 4,816 |
| Pretax return on assets | 0.8269% | 4,108 |
| Return on Equity (ROE) | 6.3770% | 3,855 |
| Retained earnings to average equity (ytd only) | 2.1524% | 4,492 |
| Net charge-offs to loans | 0.0286% | 3,650 |
| Credit loss provision to net charge-offs | 586.1183% | 576 |
| Earnings coverage of net charge-offs (x) | 37.1080% | 1,244 |
| Efficiency ratio | 76.2234% | 2,238 |
| Assets per employee ($millions) | 4.8842% | 2,490 |
| Cash dividends to net income (ytd only)* | 66.2474% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 3,153 |
| Loan loss allowance to noncurrent loans | 75.6668% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.5716% | 1,260 |
| Noncurrent loans to loans | 1.6557% | 1,378 |
| Net loans and leases to total assets | 87.9644% | 126 |
| Net loans and leases to deposits | 111.6298% | 210 |
| Net loans and leases to core deposits | 131.3147% | 251 |
| Total domestic deposits to total assets | 78.8002% | 5,014 |
| Equity capital to assets | 8.4274% | 5,620 |
| Core capital (leverage) ratio | 8.6086% | 5,321 |
| Tier 1 risk-based capital ratio | 10.8099% | 5,622 |
| Total risk-based capital ratio | 12.0619% | 5,527 |
| Memoranda: | ||
| Average total assets | $1,469,986,000 | 486 |
| Average earning assets | $1,408,947,800 | 461 |
| Average equity | $113,455,200 | 678 |
| Average total loans | $1,360,758,200 | 375 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 771 |
| Cost of funding earning assets | 0.9566% | 219 |
| Net interest margin | 3.9384% | 1,903 |
| Noninterest income to average assets | 0.3880% | 4,166 |
| Noninterest expense to average assets | 3.0270% | 2,441 |
| Loan and lease loss provision to assets | 0.1786% | 1,172 |
| Net operating income to assets | 0.5739% | 4,508 |
| Return on assets (ROA) | 0.5739% | 4,603 |
| Pretax return on assets | 0.9554% | 3,797 |
| Return on Equity (ROE) | 7.6330% | 3,264 |
| Retained earnings to average equity (ytd only) | 3.6674% | 3,853 |
| Net charge-offs to loans | 0.0379% | 3,137 |
| Credit loss provision to net charge-offs | 503.9370% | 642 |
| Earnings coverage of net charge-offs (x) | 31.9972% | 1,437 |
| Efficiency ratio | 72.7466% | 2,757 |
| Assets per employee ($millions) | 4.6507% | 2,769 |
| Cash dividends to net income (ytd only)* | 51.9533% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 3,363 |
| Loan loss allowance to noncurrent loans | 77.2287% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.6107% | 1,380 |
| Noncurrent loans to loans | 1.6194% | 1,525 |
| Net loans and leases to total assets | 89.9221% | 68 |
| Net loans and leases to deposits | 113.2562% | 184 |
| Net loans and leases to core deposits | 133.5066% | 231 |
| Total domestic deposits to total assets | 79.3970% | 4,888 |
| Equity capital to assets | 7.1511% | 6,129 |
| Core capital (leverage) ratio | 7.3679% | 6,081 |
| Tier 1 risk-based capital ratio | 8.9492% | 6,193 |
| Total risk-based capital ratio | 10.2013% | 6,184 |
| Memoranda: | ||
| Average total assets | $1,433,313,250 | 499 |
| Average earning assets | $1,373,138,500 | 473 |
| Average equity | $107,758,000 | 725 |
| Average total loans | $1,340,912,000 | 382 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 657 |
| Cost of funding earning assets | 0.9313% | 247 |
| Net interest margin | 4.0151% | 1,597 |
| Noninterest income to average assets | 0.3544% | 4,424 |
| Noninterest expense to average assets | 3.0061% | 2,535 |
| Loan and lease loss provision to assets | 0.2656% | 628 |
| Net operating income to assets | 0.5511% | 4,557 |
| Return on assets (ROA) | 0.5511% | 4,664 |
| Pretax return on assets | 0.9260% | 3,861 |
| Return on Equity (ROE) | 7.1992% | 3,486 |
| Retained earnings to average equity (ytd only) | 3.9962% | 3,472 |
| Net charge-offs to loans | 0.0439% | 2,821 |
| Credit loss provision to net charge-offs | 640.1384% | 523 |
| Earnings coverage of net charge-offs (x) | 28.7232% | 1,401 |
| Efficiency ratio | 71.6137% | 3,049 |
| Assets per employee ($millions) | 4.5361% | 2,928 |
| Cash dividends to net income (ytd only)* | 44.4908% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 3,467 |
| Loan loss allowance to noncurrent loans | 86.7173% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.5056% | 1,633 |
| Noncurrent loans to loans | 1.4514% | 1,835 |
| Net loans and leases to total assets | 92.8284% | 16 |
| Net loans and leases to deposits | 117.9038% | 122 |
| Net loans and leases to core deposits | 140.1722% | 168 |
| Total domestic deposits to total assets | 78.7324% | 5,153 |
| Equity capital to assets | 7.2808% | 6,149 |
| Core capital (leverage) ratio | 7.6005% | 6,070 |
| Tier 1 risk-based capital ratio | 8.7765% | 6,268 |
| Total risk-based capital ratio | 10.0286% | 6,267 |
| Memoranda: | ||
| Average total assets | $1,393,309,000 | 510 |
| Average earning assets | $1,333,658,000 | 485 |
| Average equity | $106,650,670 | 730 |
| Average total loans | $1,316,391,670 | 390 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8962% | 705 |
| Cost of funding earning assets | 0.9031% | 284 |
| Net interest margin | 3.9931% | 1,582 |
| Noninterest income to average assets | 0.2904% | 4,853 |
| Noninterest expense to average assets | 2.9609% | 2,703 |
| Loan and lease loss provision to assets | 0.2147% | 828 |
| Net operating income to assets | 0.5615% | 4,441 |
| Return on assets (ROA) | 0.5615% | 4,544 |
| Pretax return on assets | 0.9381% | 3,751 |
| Return on Equity (ROE) | 7.1406% | 3,431 |
| Retained earnings to average equity (ytd only) | 6.9889% | 2,016 |
| Net charge-offs to loans | 0.0450% | 2,352 |
| Credit loss provision to net charge-offs | 503.4965% | 533 |
| Earnings coverage of net charge-offs (x) | 27.0350% | 1,222 |
| Efficiency ratio | 71.9774% | 3,174 |
| Assets per employee ($millions) | 4.2817% | 3,408 |
| Cash dividends to net income (ytd only)* | 2.1243% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 3,564 |
| Loan loss allowance to noncurrent loans | 93.5309% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 1,820 |
| Noncurrent loans to loans | 1.3605% | 2,115 |
| Net loans and leases to total assets | 93.8434% | 12 |
| Net loans and leases to deposits | 119.5025% | 87 |
| Net loans and leases to core deposits | 142.5313% | 143 |
| Total domestic deposits to total assets | 78.5284% | 5,345 |
| Equity capital to assets | 7.6954% | 6,125 |
| Core capital (leverage) ratio | 8.0356% | 5,924 |
| Tier 1 risk-based capital ratio | 9.2975% | 6,291 |
| Total risk-based capital ratio | 10.5497% | 6,281 |
| Memoranda: | ||
| Average total assets | $1,341,499,500 | 528 |
| Average earning assets | $1,284,415,000 | 508 |
| Average equity | $105,482,000 | 733 |
| Average total loans | $1,270,944,000 | 395 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1074% | 620 |
| Cost of funding earning assets | 0.8511% | 504 |
| Net interest margin | 4.2563% | 1,152 |
| Noninterest income to average assets | -0.0501% | 6,434 |
| Noninterest expense to average assets | 3.0373% | 2,731 |
| Loan and lease loss provision to assets | 0.2238% | 1,097 |
| Net operating income to assets | 0.4483% | 5,032 |
| Return on assets (ROA) | 0.6278% | 4,351 |
| Pretax return on assets | 1.0423% | 3,337 |
| Return on Equity (ROE) | 7.4888% | 3,376 |
| Retained earnings to average equity (ytd only) | 1.3860% | 5,150 |
| Net charge-offs to loans | 0.0882% | 3,229 |
| Credit loss provision to net charge-offs | 282.5429% | 898 |
| Earnings coverage of net charge-offs (x) | 12.4430% | 2,373 |
| Efficiency ratio | 75.5021% | 2,595 |
| Assets per employee ($millions) | 3.9756% | 4,012 |
| Cash dividends to net income (ytd only)* | 81.4919% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 3,340 |
| Loan loss allowance to noncurrent loans | 83.2011% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.7613% | 1,495 |
| Noncurrent loans to loans | 1.5816% | 1,845 |
| Net loans and leases to total assets | 93.1659% | 14 |
| Net loans and leases to deposits | 117.7251% | 117 |
| Net loans and leases to core deposits | 137.8682% | 180 |
| Total domestic deposits to total assets | 79.1385% | 5,222 |
| Equity capital to assets | 8.0413% | 6,047 |
| Core capital (leverage) ratio | 8.3335% | 5,744 |
| Tier 1 risk-based capital ratio | 10.4751% | 6,116 |
| Total risk-based capital ratio | 11.7296% | 6,049 |
| Memoranda: | ||
| Average total assets | $1,251,260,600 | 539 |
| Average earning assets | $1,197,320,000 | 513 |
| Average equity | $104,903,400 | 694 |
| Average total loans | $1,123,925,000 | 419 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1419% | 590 |
| Cost of funding earning assets | 0.8502% | 543 |
| Net interest margin | 4.2917% | 1,073 |
| Noninterest income to average assets | -0.1900% | 6,553 |
| Noninterest expense to average assets | 2.9754% | 2,882 |
| Loan and lease loss provision to assets | 0.2260% | 998 |
| Net operating income to assets | 0.4185% | 5,181 |
| Return on assets (ROA) | 0.6603% | 4,261 |
| Pretax return on assets | 1.0955% | 3,205 |
| Return on Equity (ROE) | 7.7919% | 3,319 |
| Retained earnings to average equity (ytd only) | 1.5277% | 5,284 |
| Net charge-offs to loans | 0.1274% | 2,519 |
| Credit loss provision to net charge-offs | 200.1907% | 1,259 |
| Earnings coverage of net charge-offs (x) | 8.3604% | 2,809 |
| Efficiency ratio | 75.9205% | 2,501 |
| Assets per employee ($millions) | 3.8748% | 4,136 |
| Cash dividends to net income (ytd only)* | 80.3944% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 3,533 |
| Loan loss allowance to noncurrent loans | 81.1996% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.8617% | 1,587 |
| Noncurrent loans to loans | 1.6290% | 2,001 |
| Net loans and leases to total assets | 93.4872% | 11 |
| Net loans and leases to deposits | 114.8460% | 143 |
| Net loans and leases to core deposits | 134.6924% | 182 |
| Total domestic deposits to total assets | 81.4022% | 4,698 |
| Equity capital to assets | 8.5557% | 5,757 |
| Core capital (leverage) ratio | 8.2954% | 5,843 |
| Tier 1 risk-based capital ratio | 11.1916% | 5,914 |
| Total risk-based capital ratio | 12.4464% | 5,861 |
| Memoranda: | ||
| Average total assets | $1,239,070,750 | 544 |
| Average earning assets | $1,186,360,500 | 517 |
| Average equity | $104,994,750 | 693 |
| Average total loans | $1,098,074,750 | 426 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0107% | 740 |
| Cost of funding earning assets | 0.8461% | 567 |
| Net interest margin | 4.1645% | 1,333 |
| Noninterest income to average assets | 0.2495% | 5,416 |
| Noninterest expense to average assets | 2.8592% | 3,318 |
| Loan and lease loss provision to assets | 0.2334% | 973 |
| Net operating income to assets | 0.6760% | 3,962 |
| Return on assets (ROA) | 0.8060% | 3,401 |
| Pretax return on assets | 1.3508% | 2,081 |
| Return on Equity (ROE) | 9.5425% | 2,356 |
| Retained earnings to average equity (ytd only) | 3.3841% | 4,050 |
| Net charge-offs to loans | 0.1561% | 2,142 |
| Credit loss provision to net charge-offs | 172.6190% | 1,322 |
| Earnings coverage of net charge-offs (x) | 10.2155% | 2,274 |
| Efficiency ratio | 67.4296% | 4,126 |
| Assets per employee ($millions) | 4.2707% | 3,328 |
| Cash dividends to net income (ytd only)* | 64.5367% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 3,632 |
| Loan loss allowance to noncurrent loans | 47.5210% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 2.7221% | 968 |
| Noncurrent loans to loans | 2.8233% | 1,067 |
| Net loans and leases to total assets | 86.1043% | 171 |
| Net loans and leases to deposits | 108.8955% | 229 |
| Net loans and leases to core deposits | 126.8528% | 257 |
| Total domestic deposits to total assets | 79.0706% | 5,441 |
| Equity capital to assets | 8.2778% | 5,965 |
| Core capital (leverage) ratio | 8.4513% | 5,685 |
| Tier 1 risk-based capital ratio | 11.4918% | 5,808 |
| Total risk-based capital ratio | 12.7465% | 5,757 |
| Memoranda: | ||
| Average total assets | $1,242,652,330 | 542 |
| Average earning assets | $1,190,819,670 | 517 |
| Average equity | $104,962,330 | 693 |
| Average total loans | $1,076,193,000 | 430 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0496% | 655 |
| Cost of funding earning assets | 0.8607% | 557 |
| Net interest margin | 4.1889% | 1,249 |
| Noninterest income to average assets | 0.3414% | 4,647 |
| Noninterest expense to average assets | 2.7512% | 3,740 |
| Loan and lease loss provision to assets | 0.3264% | 558 |
| Net operating income to assets | 0.7536% | 3,399 |
| Return on assets (ROA) | 0.7536% | 3,481 |
| Pretax return on assets | 1.2795% | 2,178 |
| Return on Equity (ROE) | 8.8305% | 2,537 |
| Retained earnings to average equity (ytd only) | 3.2086% | 4,195 |
| Net charge-offs to loans | 0.2634% | 1,287 |
| Credit loss provision to net charge-offs | 143.6782% | 1,293 |
| Earnings coverage of net charge-offs (x) | 7.0690% | 2,156 |
| Efficiency ratio | 63.1433% | 4,981 |
| Assets per employee ($millions) | 4.5893% | 2,830 |
| Cash dividends to net income (ytd only)* | 63.6639% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 3,800 |
| Loan loss allowance to noncurrent loans | 55.2158% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 2.3535% | 1,380 |
| Noncurrent loans to loans | 2.4611% | 1,414 |
| Net loans and leases to total assets | 85.4827% | 166 |
| Net loans and leases to deposits | 107.1560% | 209 |
| Net loans and leases to core deposits | 120.9522% | 308 |
| Total domestic deposits to total assets | 79.7741% | 5,532 |
| Equity capital to assets | 8.4796% | 5,673 |
| Core capital (leverage) ratio | 8.5712% | 5,559 |
| Tier 1 risk-based capital ratio | 11.8628% | 5,722 |
| Total risk-based capital ratio | 13.1180% | 5,654 |
| Memoranda: | ||
| Average total assets | $1,225,515,500 | 552 |
| Average earning assets | $1,174,830,000 | 524 |
| Average equity | $104,592,500 | 697 |
| Average total loans | $1,057,069,500 | 433 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1451% | 720 |
| Cost of funding earning assets | 0.9287% | 642 |
| Net interest margin | 4.2164% | 1,307 |
| Noninterest income to average assets | 0.2150% | 5,794 |
| Noninterest expense to average assets | 2.6556% | 4,260 |
| Loan and lease loss provision to assets | 0.2336% | 1,539 |
| Net operating income to assets | 0.8082% | 3,251 |
| Return on assets (ROA) | 0.8287% | 3,227 |
| Pretax return on assets | 1.3932% | 1,802 |
| Return on Equity (ROE) | 9.9518% | 2,134 |
| Retained earnings to average equity (ytd only) | 3.3435% | 3,850 |
| Net charge-offs to loans | 0.0790% | 4,112 |
| Credit loss provision to net charge-offs | 356.6796% | 640 |
| Earnings coverage of net charge-offs (x) | 24.3450% | 1,369 |
| Efficiency ratio | 62.4803% | 5,125 |
| Assets per employee ($millions) | 4.8487% | 2,376 |
| Cash dividends to net income (ytd only)* | 66.4035% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 3,726 |
| Loan loss allowance to noncurrent loans | 69.7432% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.8877% | 1,925 |
| Noncurrent loans to loans | 1.9843% | 2,007 |
| Net loans and leases to total assets | 84.6498% | 215 |
| Net loans and leases to deposits | 105.4982% | 279 |
| Net loans and leases to core deposits | 116.6705% | 404 |
| Total domestic deposits to total assets | 80.2381% | 5,388 |
| Equity capital to assets | 8.5912% | 5,484 |
| Core capital (leverage) ratio | 8.6977% | 5,419 |
| Tier 1 risk-based capital ratio | 12.4066% | 5,347 |
| Total risk-based capital ratio | 13.6624% | 5,285 |
| Memoranda: | ||
| Average total assets | $1,177,017,000 | 556 |
| Average earning assets | $1,126,473,400 | 530 |
| Average equity | $98,012,400 | 723 |
| Average total loans | $975,536,400 | 438 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 747 |
| Cost of funding earning assets | 0.9357% | 686 |
| Net interest margin | 4.1841% | 1,384 |
| Noninterest income to average assets | 0.2037% | 5,963 |
| Noninterest expense to average assets | 2.5947% | 4,406 |
| Loan and lease loss provision to assets | 0.2565% | 1,387 |
| Net operating income to assets | 0.8129% | 3,280 |
| Return on assets (ROA) | 0.8405% | 3,263 |
| Pretax return on assets | 1.3987% | 1,929 |
| Return on Equity (ROE) | 10.1767% | 2,111 |
| Retained earnings to average equity (ytd only) | 3.3062% | 4,322 |
| Net charge-offs to loans | 0.1016% | 3,527 |
| Credit loss provision to net charge-offs | 307.3770% | 828 |
| Earnings coverage of net charge-offs (x) | 19.3169% | 1,633 |
| Efficiency ratio | 61.6781% | 5,182 |
| Assets per employee ($millions) | 4.8076% | 2,432 |
| Cash dividends to net income (ytd only)* | 67.5122% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 3,966 |
| Loan loss allowance to noncurrent loans | 65.9900% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.0105% | 2,002 |
| Noncurrent loans to loans | 2.0979% | 2,132 |
| Net loans and leases to total assets | 83.6084% | 270 |
| Net loans and leases to deposits | 102.1440% | 372 |
| Net loans and leases to core deposits | 113.2679% | 469 |
| Total domestic deposits to total assets | 81.8535% | 4,975 |
| Equity capital to assets | 8.2730% | 5,931 |
| Core capital (leverage) ratio | 8.3889% | 5,869 |
| Tier 1 risk-based capital ratio | 12.1322% | 5,696 |
| Total risk-based capital ratio | 13.3820% | 5,630 |
| Memoranda: | ||
| Average total assets | $1,169,437,250 | 561 |
| Average earning assets | $1,118,849,750 | 530 |
| Average equity | $96,584,250 | 736 |
| Average total loans | $960,333,250 | 442 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1330% | 721 |
| Cost of funding earning assets | 0.9391% | 747 |
| Net interest margin | 4.1939% | 1,292 |
| Noninterest income to average assets | 0.2070% | 5,963 |
| Noninterest expense to average assets | 2.5053% | 4,702 |
| Loan and lease loss provision to assets | 0.3090% | 1,151 |
| Net operating income to assets | 0.8353% | 3,121 |
| Return on assets (ROA) | 0.8748% | 3,077 |
| Pretax return on assets | 1.4666% | 1,718 |
| Return on Equity (ROE) | 10.5985% | 1,967 |
| Retained earnings to average equity (ytd only) | 3.8455% | 3,854 |
| Net charge-offs to loans | 0.1036% | 3,324 |
| Credit loss provision to net charge-offs | 367.3469% | 704 |
| Earnings coverage of net charge-offs (x) | 20.3735% | 1,468 |
| Efficiency ratio | 59.3807% | 5,561 |
| Assets per employee ($millions) | 4.9658% | 2,151 |
| Cash dividends to net income (ytd only)* | 63.7166% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 3,905 |
| Loan loss allowance to noncurrent loans | 62.4709% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 2.1733% | 1,986 |
| Noncurrent loans to loans | 2.2860% | 2,072 |
| Net loans and leases to total assets | 80.8730% | 453 |
| Net loans and leases to deposits | 99.1380% | 472 |
| Net loans and leases to core deposits | 109.3411% | 588 |
| Total domestic deposits to total assets | 81.5762% | 5,189 |
| Equity capital to assets | 8.3269% | 5,943 |
| Core capital (leverage) ratio | 8.3730% | 5,800 |
| Tier 1 risk-based capital ratio | 12.6296% | 5,410 |
| Total risk-based capital ratio | 13.8872% | 5,344 |
| Memoranda: | ||
| Average total assets | $1,165,028,670 | 561 |
| Average earning assets | $1,114,522,330 | 528 |
| Average equity | $96,165,000 | 736 |
| Average total loans | $946,215,330 | 449 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1126% | 727 |
| Cost of funding earning assets | 0.9455% | 799 |
| Net interest margin | 4.1672% | 1,285 |
| Noninterest income to average assets | 0.1849% | 6,151 |
| Noninterest expense to average assets | 2.3882% | 5,155 |
| Loan and lease loss provision to assets | 0.4123% | 742 |
| Net operating income to assets | 0.8029% | 3,147 |
| Return on assets (ROA) | 0.8522% | 3,029 |
| Pretax return on assets | 1.4446% | 1,723 |
| Return on Equity (ROE) | 10.3699% | 1,923 |
| Retained earnings to average equity (ytd only) | 4.6581% | 3,439 |
| Net charge-offs to loans | 0.0931% | 2,917 |
| Credit loss provision to net charge-offs | 547.9452% | 490 |
| Earnings coverage of net charge-offs (x) | 23.6530% | 1,097 |
| Efficiency ratio | 57.2960% | 5,922 |
| Assets per employee ($millions) | 5.2610% | 1,912 |
| Cash dividends to net income (ytd only)* | 55.0806% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 4,175 |
| Loan loss allowance to noncurrent loans | 59.7181% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.3054% | 2,017 |
| Noncurrent loans to loans | 2.3647% | 2,203 |
| Net loans and leases to total assets | 80.4903% | 384 |
| Net loans and leases to deposits | 98.7024% | 411 |
| Net loans and leases to core deposits | 108.9584% | 530 |
| Total domestic deposits to total assets | 81.5485% | 5,342 |
| Equity capital to assets | 8.3190% | 6,173 |
| Core capital (leverage) ratio | 8.3990% | 5,707 |
| Tier 1 risk-based capital ratio | 12.8977% | 5,302 |
| Total risk-based capital ratio | 14.1555% | 5,243 |
| Memoranda: | ||
| Average total assets | $1,164,061,500 | 567 |
| Average earning assets | $1,112,692,500 | 536 |
| Average equity | $95,661,500 | 751 |
| Average total loans | $940,607,500 | 447 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 2,172 |
| Cost of funding earning assets | 1.0447% | 1,145 |
| Net interest margin | 3.7606% | 3,390 |
| Noninterest income to average assets | -0.7550% | 7,048 |
| Noninterest expense to average assets | 2.8017% | 4,014 |
| Loan and lease loss provision to assets | 0.4135% | 1,551 |
| Net operating income to assets | -0.1837% | 6,368 |
| Return on assets (ROA) | -0.1648% | 6,425 |
| Pretax return on assets | -0.3503% | 6,506 |
| Return on Equity (ROE) | -2.0280% | 6,455 |
| Retained earnings to average equity (ytd only) | -18.3781% | 6,818 |
| Net charge-offs to loans | -0.0043% | 6,370 |
| Credit loss provision to net charge-offs | -13,243.2432% | 6,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8125% | 602 |
| Assets per employee ($millions) | 5.6831% | 1,530 |
| Cash dividends to net income (ytd only)* | -806.1956% | 7,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 4,528 |
| Loan loss allowance to noncurrent loans | 58.4760% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 2.0856% | 2,350 |
| Noncurrent loans to loans | 2.2581% | 2,396 |
| Net loans and leases to total assets | 78.9181% | 576 |
| Net loans and leases to deposits | 98.1422% | 499 |
| Net loans and leases to core deposits | 108.2177% | 603 |
| Total domestic deposits to total assets | 80.4120% | 5,563 |
| Equity capital to assets | 8.1180% | 6,343 |
| Core capital (leverage) ratio | 8.3815% | 5,780 |
| Tier 1 risk-based capital ratio | 12.7928% | 5,257 |
| Total risk-based capital ratio | 14.0491% | 5,193 |
| Memoranda: | ||
| Average total assets | $1,185,065,800 | 554 |
| Average earning assets | $1,131,423,000 | 525 |
| Average equity | $96,299,600 | 734 |
| Average total loans | $865,137,400 | 473 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 2,492 |
| Cost of funding earning assets | 1.0673% | 1,207 |
| Net interest margin | 3.7061% | 3,770 |
| Noninterest income to average assets | -1.0194% | 7,157 |
| Noninterest expense to average assets | 2.7938% | 4,001 |
| Loan and lease loss provision to assets | 0.3814% | 1,695 |
| Net operating income to assets | -0.3568% | 6,621 |
| Return on assets (ROA) | -0.3408% | 6,659 |
| Pretax return on assets | -0.6315% | 6,752 |
| Return on Equity (ROE) | -4.1925% | 6,686 |
| Retained earnings to average equity (ytd only) | -23.3747% | 7,009 |
| Net charge-offs to loans | 0.2730% | 3,087 |
| Credit loss provision to net charge-offs | 195.9654% | 1,418 |
| Earnings coverage of net charge-offs (x) | -1.4144% | 5,615 |
| Efficiency ratio | 110.9295% | 289 |
| Assets per employee ($millions) | 5.6315% | 1,513 |
| Cash dividends to net income (ytd only)* | -457.5373% | 7,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 5,852 |
| Loan loss allowance to noncurrent loans | 38.7527% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 2.4411% | 2,169 |
| Noncurrent loans to loans | 2.7368% | 2,070 |
| Net loans and leases to total assets | 73.4597% | 1,324 |
| Net loans and leases to deposits | 89.3527% | 1,217 |
| Net loans and leases to core deposits | 98.5305% | 1,227 |
| Total domestic deposits to total assets | 82.2132% | 4,946 |
| Equity capital to assets | 7.5607% | 6,762 |
| Core capital (leverage) ratio | 7.5388% | 6,599 |
| Tier 1 risk-based capital ratio | 12.3484% | 5,735 |
| Total risk-based capital ratio | 13.6000% | 5,709 |
| Memoranda: | ||
| Average total assets | $1,188,654,250 | 556 |
| Average earning assets | $1,134,724,500 | 530 |
| Average equity | $96,615,000 | 739 |
| Average total loans | $847,355,000 | 487 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 2,644 |
| Cost of funding earning assets | 1.0924% | 1,245 |
| Net interest margin | 3.6768% | 3,935 |
| Noninterest income to average assets | -0.9653% | 7,219 |
| Noninterest expense to average assets | 2.7106% | 4,365 |
| Loan and lease loss provision to assets | 0.3000% | 2,184 |
| Net operating income to assets | -0.3057% | 6,620 |
| Return on assets (ROA) | -0.2845% | 6,667 |
| Pretax return on assets | -0.4310% | 6,718 |
| Return on Equity (ROE) | -3.4234% | 6,698 |
| Retained earnings to average equity (ytd only) | -23.6291% | 7,048 |
| Net charge-offs to loans | 0.1779% | 3,531 |
| Credit loss provision to net charge-offs | 239.6804% | 1,202 |
| Earnings coverage of net charge-offs (x) | -1.3036% | 5,334 |
| Efficiency ratio | 106.4050% | 390 |
| Assets per employee ($millions) | 5.7488% | 1,409 |
| Cash dividends to net income (ytd only)* | -590.2168% | 7,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,107 |
| Loan loss allowance to noncurrent loans | 27.4592% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 3.1338% | 1,739 |
| Noncurrent loans to loans | 3.6864% | 1,541 |
| Net loans and leases to total assets | 70.3230% | 1,865 |
| Net loans and leases to deposits | 85.8978% | 1,611 |
| Net loans and leases to core deposits | 95.5970% | 1,467 |
| Total domestic deposits to total assets | 81.8682% | 5,182 |
| Equity capital to assets | 7.8452% | 6,655 |
| Core capital (leverage) ratio | 7.7459% | 6,485 |
| Tier 1 risk-based capital ratio | 13.3652% | 4,922 |
| Total risk-based capital ratio | 14.5848% | 4,905 |
| Memoranda: | ||
| Average total assets | $1,200,050,000 | 551 |
| Average earning assets | $1,146,499,670 | 523 |
| Average equity | $99,724,670 | 719 |
| Average total loans | $844,087,000 | 489 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 2,879 |
| Cost of funding earning assets | 1.1130% | 1,333 |
| Net interest margin | 3.6285% | 4,133 |
| Noninterest income to average assets | 0.2762% | 5,658 |
| Noninterest expense to average assets | 2.7175% | 4,367 |
| Loan and lease loss provision to assets | 0.1982% | 2,961 |
| Net operating income to assets | 0.5104% | 4,783 |
| Return on assets (ROA) | 0.5375% | 4,870 |
| Pretax return on assets | 0.8708% | 4,147 |
| Return on Equity (ROE) | 6.2965% | 4,140 |
| Retained earnings to average equity (ytd only) | -5.9908% | 6,656 |
| Net charge-offs to loans | -0.0694% | 6,663 |
| Credit loss provision to net charge-offs | -408.1633% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5781% | 3,328 |
| Assets per employee ($millions) | 5.4271% | 1,756 |
| Cash dividends to net income (ytd only)* | 195.1444% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 6,348 |
| Loan loss allowance to noncurrent loans | 18.0157% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 4.2657% | 1,275 |
| Noncurrent loans to loans | 5.3944% | 1,002 |
| Net loans and leases to total assets | 69.1240% | 1,931 |
| Net loans and leases to deposits | 84.8435% | 1,557 |
| Net loans and leases to core deposits | 94.3691% | 1,436 |
| Total domestic deposits to total assets | 81.4723% | 5,471 |
| Equity capital to assets | 8.5183% | 6,067 |
| Core capital (leverage) ratio | 8.4761% | 5,634 |
| Tier 1 risk-based capital ratio | 14.8086% | 3,885 |
| Total risk-based capital ratio | 15.9774% | 3,897 |
| Memoranda: | ||
| Average total assets | $1,210,825,000 | 546 |
| Average earning assets | $1,157,269,000 | 519 |
| Average equity | $103,359,000 | 686 |
| Average total loans | $847,514,500 | 486 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 2,991 |
| Cost of funding earning assets | 1.2420% | 1,775 |
| Net interest margin | 3.7336% | 4,141 |
| Noninterest income to average assets | 0.1949% | 6,106 |
| Noninterest expense to average assets | 2.5160% | 5,415 |
| Loan and lease loss provision to assets | 0.3660% | 2,799 |
| Net operating income to assets | 0.5568% | 4,202 |
| Return on assets (ROA) | 0.5579% | 4,384 |
| Pretax return on assets | 0.8502% | 3,772 |
| Return on Equity (ROE) | 6.0613% | 3,846 |
| Retained earnings to average equity (ytd only) | -3.2586% | 6,307 |
| Net charge-offs to loans | 0.4010% | 3,413 |
| Credit loss provision to net charge-offs | 129.5419% | 2,367 |
| Earnings coverage of net charge-offs (x) | 4.2992% | 3,173 |
| Efficiency ratio | 67.4435% | 4,479 |
| Assets per employee ($millions) | 5.4082% | 1,735 |
| Cash dividends to net income (ytd only)* | 153.7600% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 6,604 |
| Loan loss allowance to noncurrent loans | 16.0604% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 4.3398% | 1,278 |
| Noncurrent loans to loans | 5.4140% | 987 |
| Net loans and leases to total assets | 69.5751% | 2,120 |
| Net loans and leases to deposits | 86.5953% | 1,595 |
| Net loans and leases to core deposits | 96.4820% | 1,456 |
| Total domestic deposits to total assets | 80.3451% | 5,648 |
| Equity capital to assets | 8.5540% | 6,067 |
| Core capital (leverage) ratio | 8.6647% | 5,304 |
| Tier 1 risk-based capital ratio | 15.3388% | 3,429 |
| Total risk-based capital ratio | 16.4197% | 3,498 |
| Memoranda: | ||
| Average total assets | $1,120,338,800 | 584 |
| Average earning assets | $1,060,927,200 | 552 |
| Average equity | $103,113,000 | 667 |
| Average total loans | $789,257,600 | 518 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 2,977 |
| Cost of funding earning assets | 1.2873% | 1,775 |
| Net interest margin | 3.7366% | 4,181 |
| Noninterest income to average assets | 0.1488% | 6,514 |
| Noninterest expense to average assets | 2.4405% | 5,662 |
| Loan and lease loss provision to assets | 0.1946% | 4,075 |
| Net operating income to assets | 0.6275% | 3,979 |
| Return on assets (ROA) | 0.6289% | 4,151 |
| Pretax return on assets | 1.0451% | 3,232 |
| Return on Equity (ROE) | 6.7022% | 3,665 |
| Retained earnings to average equity (ytd only) | -0.1154% | 5,993 |
| Net charge-offs to loans | 0.2806% | 3,679 |
| Credit loss provision to net charge-offs | 98.3405% | 3,474 |
| Earnings coverage of net charge-offs (x) | 6.2538% | 2,587 |
| Efficiency ratio | 66.3525% | 4,648 |
| Assets per employee ($millions) | 6.5011% | 947 |
| Cash dividends to net income (ytd only)* | 101.7212% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 6,719 |
| Loan loss allowance to noncurrent loans | 17.6897% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 3.8362% | 1,613 |
| Noncurrent loans to loans | 4.8139% | 1,336 |
| Net loans and leases to total assets | 69.7386% | 2,130 |
| Net loans and leases to deposits | 87.5460% | 1,484 |
| Net loans and leases to core deposits | 96.5772% | 1,545 |
| Total domestic deposits to total assets | 79.6594% | 5,831 |
| Equity capital to assets | 9.4948% | 5,100 |
| Core capital (leverage) ratio | 9.3967% | 4,308 |
| Tier 1 risk-based capital ratio | 16.6314% | 2,795 |
| Total risk-based capital ratio | 17.6807% | 2,863 |
| Memoranda: | ||
| Average total assets | $1,096,213,000 | 604 |
| Average earning assets | $1,035,387,500 | 573 |
| Average equity | $102,869,000 | 673 |
| Average total loans | $773,060,750 | 536 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 2,869 |
| Cost of funding earning assets | 1.2824% | 2,052 |
| Net interest margin | 3.7801% | 3,893 |
| Noninterest income to average assets | 0.1583% | 6,526 |
| Noninterest expense to average assets | 2.4113% | 5,809 |
| Loan and lease loss provision to assets | 0.1452% | 4,492 |
| Net operating income to assets | 0.7138% | 3,475 |
| Return on assets (ROA) | 0.7159% | 3,577 |
| Pretax return on assets | 1.1847% | 2,541 |
| Return on Equity (ROE) | 7.6580% | 3,118 |
| Retained earnings to average equity (ytd only) | 0.7941% | 5,542 |
| Net charge-offs to loans | 0.1960% | 3,976 |
| Credit loss provision to net charge-offs | 104.9869% | 2,938 |
| Earnings coverage of net charge-offs (x) | 9.5919% | 1,904 |
| Efficiency ratio | 64.5091% | 5,146 |
| Assets per employee ($millions) | 6.5474% | 911 |
| Cash dividends to net income (ytd only)* | 89.6298% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 6,787 |
| Loan loss allowance to noncurrent loans | 15.7896% | 6,841 |
| Noncurrent assets plus other real estate owned to assets | 4.1401% | 1,542 |
| Noncurrent loans to loans | 5.3448% | 1,195 |
| Net loans and leases to total assets | 69.7411% | 2,276 |
| Net loans and leases to deposits | 87.4025% | 1,591 |
| Net loans and leases to core deposits | 96.9052% | 1,594 |
| Total domestic deposits to total assets | 79.7931% | 5,888 |
| Equity capital to assets | 9.3717% | 5,031 |
| Core capital (leverage) ratio | 9.3351% | 4,196 |
| Tier 1 risk-based capital ratio | 16.2703% | 2,850 |
| Total risk-based capital ratio | 17.3021% | 2,919 |
| Memoranda: | ||
| Average total assets | $1,101,891,000 | 608 |
| Average earning assets | $1,043,475,330 | 578 |
| Average equity | $103,003,330 | 671 |
| Average total loans | $777,725,000 | 543 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0401% | 2,907 |
| Cost of funding earning assets | 1.2888% | 2,251 |
| Net interest margin | 3.7513% | 3,834 |
| Noninterest income to average assets | 0.1534% | 6,622 |
| Noninterest expense to average assets | 2.4101% | 5,856 |
| Loan and lease loss provision to assets | 0.1269% | 4,410 |
| Net operating income to assets | 0.7080% | 3,489 |
| Return on assets (ROA) | 0.7080% | 3,555 |
| Pretax return on assets | 1.1552% | 2,539 |
| Return on Equity (ROE) | 7.5833% | 3,111 |
| Retained earnings to average equity (ytd only) | 2.8632% | 4,447 |
| Net charge-offs to loans | -0.1934% | 7,251 |
| Credit loss provision to net charge-offs | -92.8382% | 5,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2750% | 5,157 |
| Assets per employee ($millions) | 6.0400% | 1,169 |
| Cash dividends to net income (ytd only)* | 62.2439% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 6,614 |
| Loan loss allowance to noncurrent loans | 18.7861% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 3.8073% | 1,770 |
| Noncurrent loans to loans | 4.9618% | 1,364 |
| Net loans and leases to total assets | 69.7859% | 2,173 |
| Net loans and leases to deposits | 87.2634% | 1,556 |
| Net loans and leases to core deposits | 96.2832% | 1,653 |
| Total domestic deposits to total assets | 79.9716% | 5,956 |
| Equity capital to assets | 9.4043% | 4,567 |
| Core capital (leverage) ratio | 9.3331% | 4,075 |
| Tier 1 risk-based capital ratio | 16.9057% | 2,515 |
| Total risk-based capital ratio | 18.0872% | 2,501 |
| Memoranda: | ||
| Average total assets | $1,102,854,500 | 610 |
| Average earning assets | $1,040,378,000 | 584 |
| Average equity | $102,962,500 | 669 |
| Average total loans | $779,759,500 | 551 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 4,160 |
| Cost of funding earning assets | 1.7094% | 1,558 |
| Net interest margin | 3.3764% | 5,714 |
| Noninterest income to average assets | 1.6582% | 531 |
| Noninterest expense to average assets | 2.6327% | 5,284 |
| Loan and lease loss provision to assets | 0.2949% | 4,441 |
| Net operating income to assets | 1.7842% | 434 |
| Return on assets (ROA) | 1.7842% | 470 |
| Pretax return on assets | 1.9508% | 539 |
| Return on Equity (ROE) | 20.1168% | 246 |
| Retained earnings to average equity (ytd only) | 12.8788% | 218 |
| Net charge-offs to loans | 0.2186% | 4,984 |
| Credit loss provision to net charge-offs | 200.1634% | 1,560 |
| Earnings coverage of net charge-offs (x) | 15.2443% | 1,290 |
| Efficiency ratio | 53.9670% | 6,810 |
| Assets per employee ($millions) | 5.9486% | 1,243 |
| Cash dividends to net income (ytd only)* | 35.9798% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 6,915 |
| Loan loss allowance to noncurrent loans | 16.5405% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 3.8723% | 1,766 |
| Noncurrent loans to loans | 4.9981% | 1,346 |
| Net loans and leases to total assets | 70.3766% | 2,440 |
| Net loans and leases to deposits | 87.8419% | 1,812 |
| Net loans and leases to core deposits | 96.5901% | 1,935 |
| Total domestic deposits to total assets | 80.1173% | 5,800 |
| Equity capital to assets | 9.2681% | 4,725 |
| Core capital (leverage) ratio | 9.1634% | 4,238 |
| Tier 1 risk-based capital ratio | 14.9473% | 3,281 |
| Total risk-based capital ratio | 15.8934% | 3,417 |
| Memoranda: | ||
| Average total assets | $830,895,600 | 812 |
| Average earning assets | $792,442,000 | 770 |
| Average equity | $73,694,800 | 905 |
| Average total loans | $559,846,600 | 802 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1548% | 4,057 |
| Cost of funding earning assets | 1.9302% | 936 |
| Net interest margin | 3.2246% | 6,262 |
| Noninterest income to average assets | 1.7989% | 453 |
| Noninterest expense to average assets | 2.6251% | 5,217 |
| Loan and lease loss provision to assets | 0.2712% | 4,417 |
| Net operating income to assets | 1.8278% | 465 |
| Return on assets (ROA) | 1.8278% | 514 |
| Pretax return on assets | 1.9896% | 632 |
| Return on Equity (ROE) | 20.9495% | 259 |
| Retained earnings to average equity (ytd only) | 15.7011% | 180 |
| Net charge-offs to loans | 0.2823% | 4,252 |
| Credit loss provision to net charge-offs | 145.4034% | 2,700 |
| Earnings coverage of net charge-offs (x) | 12.1210% | 1,722 |
| Efficiency ratio | 53.7280% | 6,809 |
| Assets per employee ($millions) | 6.5026% | 967 |
| Cash dividends to net income (ytd only)* | 25.0527% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 7,179 |
| Loan loss allowance to noncurrent loans | 12.6982% | 7,127 |
| Noncurrent assets plus other real estate owned to assets | 4.4034% | 1,544 |
| Noncurrent loans to loans | 5.6078% | 1,171 |
| Net loans and leases to total assets | 71.2556% | 2,416 |
| Net loans and leases to deposits | 88.3481% | 1,960 |
| Net loans and leases to core deposits | 96.5756% | 2,192 |
| Total domestic deposits to total assets | 80.6532% | 5,498 |
| Equity capital to assets | 8.9677% | 5,623 |
| Core capital (leverage) ratio | 8.7042% | 5,179 |
| Tier 1 risk-based capital ratio | 14.3551% | 3,592 |
| Total risk-based capital ratio | 15.1732% | 3,859 |
| Memoranda: | ||
| Average total assets | $762,010,250 | 885 |
| Average earning assets | $729,500,000 | 842 |
| Average equity | $66,482,000 | 1,007 |
| Average total loans | $503,517,250 | 893 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1409% | 4,242 |
| Cost of funding earning assets | 2.0170% | 869 |
| Net interest margin | 3.1239% | 6,539 |
| Noninterest income to average assets | 0.1379% | 6,892 |
| Noninterest expense to average assets | 2.0074% | 7,098 |
| Loan and lease loss provision to assets | 0.2340% | 4,577 |
| Net operating income to assets | 0.5245% | 4,221 |
| Return on assets (ROA) | 0.5245% | 4,378 |
| Pretax return on assets | 0.8858% | 3,557 |
| Return on Equity (ROE) | 6.1110% | 3,752 |
| Retained earnings to average equity (ytd only) | 1.0215% | 5,359 |
| Net charge-offs to loans | 0.4937% | 3,063 |
| Credit loss provision to net charge-offs | 75.5287% | 4,825 |
| Earnings coverage of net charge-offs (x) | 3.6143% | 3,242 |
| Efficiency ratio | 64.1924% | 5,299 |
| Assets per employee ($millions) | 7.5661% | 609 |
| Cash dividends to net income (ytd only)* | 83.2838% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 5,080 |
| Loan loss allowance to noncurrent loans | 34.8001% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 2.5235% | 2,860 |
| Noncurrent loans to loans | 3.6512% | 2,158 |
| Net loans and leases to total assets | 59.9709% | 5,063 |
| Net loans and leases to deposits | 80.6031% | 3,501 |
| Net loans and leases to core deposits | 89.2144% | 3,383 |
| Total domestic deposits to total assets | 74.4027% | 6,928 |
| Equity capital to assets | 8.4328% | 6,248 |
| Core capital (leverage) ratio | 8.5257% | 5,365 |
| Tier 1 risk-based capital ratio | 13.6743% | 3,960 |
| Total risk-based capital ratio | 14.9248% | 3,916 |
| Memoranda: | ||
| Average total assets | $641,031,000 | 1,056 |
| Average earning assets | $613,392,330 | 1,003 |
| Average equity | $55,015,330 | 1,204 |
| Average total loans | $402,244,000 | 1,145 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2708% | 3,685 |
| Cost of funding earning assets | 2.0961% | 821 |
| Net interest margin | 3.1747% | 6,369 |
| Noninterest income to average assets | 0.1151% | 7,116 |
| Noninterest expense to average assets | 2.0566% | 7,045 |
| Loan and lease loss provision to assets | 0.2829% | 3,765 |
| Net operating income to assets | 0.5187% | 4,300 |
| Return on assets (ROA) | 0.5187% | 4,439 |
| Pretax return on assets | 0.8123% | 3,814 |
| Return on Equity (ROE) | 5.9905% | 3,889 |
| Retained earnings to average equity (ytd only) | 5.9905% | 2,628 |
| Net charge-offs to loans | 0.8675% | 1,813 |
| Credit loss provision to net charge-offs | 51.1364% | 4,464 |
| Earnings coverage of net charge-offs (x) | 1.9795% | 3,546 |
| Efficiency ratio | 65.2503% | 5,263 |
| Assets per employee ($millions) | 8.0237% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 5,460 |
| Loan loss allowance to noncurrent loans | 38.8166% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 2.2452% | 3,218 |
| Noncurrent loans to loans | 3.1134% | 2,575 |
| Net loans and leases to total assets | 61.5740% | 4,845 |
| Net loans and leases to deposits | 83.3205% | 3,058 |
| Net loans and leases to core deposits | 91.2716% | 3,205 |
| Total domestic deposits to total assets | 73.9002% | 7,060 |
| Equity capital to assets | 8.6502% | 5,799 |
| Core capital (leverage) ratio | 8.6790% | 5,049 |
| Tier 1 risk-based capital ratio | 13.7575% | 3,832 |
| Total risk-based capital ratio | 14.9568% | 3,813 |
| Memoranda: | ||
| Average total assets | $636,203,000 | 1,084 |
| Average earning assets | $608,556,500 | 1,030 |
| Average equity | $55,087,500 | 1,212 |
| Average total loans | $405,743,500 | 1,165 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9231% | 2,151 |
| Cost of funding earning assets | 2.5444% | 906 |
| Net interest margin | 3.3787% | 5,450 |
| Noninterest income to average assets | 0.1222% | 7,144 |
| Noninterest expense to average assets | 2.0354% | 7,309 |
| Loan and lease loss provision to assets | 0.2545% | 5,359 |
| Net operating income to assets | 0.6367% | 3,186 |
| Return on assets (ROA) | 0.6367% | 3,241 |
| Pretax return on assets | 1.0700% | 2,343 |
| Return on Equity (ROE) | 7.1508% | 2,735 |
| Retained earnings to average equity (ytd only) | 2.4531% | 3,423 |
| Net charge-offs to loans | 0.3845% | 4,284 |
| Credit loss provision to net charge-offs | 97.5456% | 5,704 |
| Earnings coverage of net charge-offs (x) | 5.0761% | 2,694 |
| Efficiency ratio | 60.5787% | 6,393 |
| Assets per employee ($millions) | 7.1649% | 748 |
| Cash dividends to net income (ytd only)* | 65.6951% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 4,876 |
| Loan loss allowance to noncurrent loans | 40.5718% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 2.2596% | 3,052 |
| Noncurrent loans to loans | 3.1543% | 2,429 |
| Net loans and leases to total assets | 64.4154% | 4,511 |
| Net loans and leases to deposits | 87.5032% | 2,646 |
| Net loans and leases to core deposits | 126.2032% | 1,497 |
| Total domestic deposits to total assets | 73.6149% | 7,067 |
| Equity capital to assets | 8.6676% | 5,634 |
| Core capital (leverage) ratio | 8.6833% | 4,949 |
| Tier 1 risk-based capital ratio | 13.1138% | 4,072 |
| Total risk-based capital ratio | 14.3662% | 4,016 |
| Memoranda: | ||
| Average total assets | $608,962,400 | 1,139 |
| Average earning assets | $583,565,000 | 1,083 |
| Average equity | $54,217,600 | 1,215 |
| Average total loans | $413,271,600 | 1,169 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9780% | 2,121 |
| Cost of funding earning assets | 2.6342% | 941 |
| Net interest margin | 3.3437% | 5,471 |
| Noninterest income to average assets | 0.1177% | 7,303 |
| Noninterest expense to average assets | 1.8989% | 7,547 |
| Loan and lease loss provision to assets | 0.2099% | 5,300 |
| Net operating income to assets | 0.7654% | 2,961 |
| Return on assets (ROA) | 0.7654% | 3,025 |
| Pretax return on assets | 1.2145% | 2,218 |
| Return on Equity (ROE) | 8.5380% | 2,433 |
| Retained earnings to average equity (ytd only) | 3.7996% | 3,165 |
| Net charge-offs to loans | 0.5108% | 3,174 |
| Credit loss provision to net charge-offs | 59.9369% | 6,177 |
| Earnings coverage of net charge-offs (x) | 4.0681% | 3,277 |
| Efficiency ratio | 57.1391% | 6,854 |
| Assets per employee ($millions) | 7.2268% | 716 |
| Cash dividends to net income (ytd only)* | 55.4980% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 5,627 |
| Loan loss allowance to noncurrent loans | 60.8180% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.4500% | 4,211 |
| Noncurrent loans to loans | 1.8338% | 3,865 |
| Net loans and leases to total assets | 66.6080% | 4,280 |
| Net loans and leases to deposits | 91.0911% | 2,380 |
| Net loans and leases to core deposits | 130.2935% | 1,418 |
| Total domestic deposits to total assets | 73.1224% | 7,072 |
| Equity capital to assets | 8.8201% | 5,755 |
| Core capital (leverage) ratio | 8.8820% | 4,839 |
| Tier 1 risk-based capital ratio | 13.0360% | 4,169 |
| Total risk-based capital ratio | 14.1457% | 4,201 |
| Memoranda: | ||
| Average total assets | $603,575,000 | 1,162 |
| Average earning assets | $578,620,000 | 1,102 |
| Average equity | $54,109,500 | 1,237 |
| Average total loans | $413,736,500 | 1,183 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9934% | 2,207 |
| Cost of funding earning assets | 2.7130% | 999 |
| Net interest margin | 3.2804% | 5,622 |
| Noninterest income to average assets | 0.1228% | 7,365 |
| Noninterest expense to average assets | 1.8802% | 7,650 |
| Loan and lease loss provision to assets | 0.2175% | 4,868 |
| Net operating income to assets | 0.7376% | 3,105 |
| Return on assets (ROA) | 0.7376% | 3,206 |
| Pretax return on assets | 1.1697% | 2,398 |
| Return on Equity (ROE) | 8.1821% | 2,701 |
| Retained earnings to average equity (ytd only) | 3.3560% | 3,458 |
| Net charge-offs to loans | 0.3334% | 3,506 |
| Credit loss provision to net charge-offs | 94.6143% | 4,786 |
| Earnings coverage of net charge-offs (x) | 6.0335% | 2,701 |
| Efficiency ratio | 57.5438% | 6,937 |
| Assets per employee ($millions) | 6.9384% | 788 |
| Cash dividends to net income (ytd only)* | 58.9837% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 4,448 |
| Loan loss allowance to noncurrent loans | 108.3076% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.0037% | 4,962 |
| Noncurrent loans to loans | 1.1749% | 4,869 |
| Net loans and leases to total assets | 66.1754% | 4,534 |
| Net loans and leases to deposits | 90.6764% | 2,722 |
| Net loans and leases to core deposits | 129.9218% | 1,570 |
| Total domestic deposits to total assets | 72.9797% | 7,112 |
| Equity capital to assets | 8.7605% | 5,661 |
| Core capital (leverage) ratio | 8.8825% | 4,814 |
| Tier 1 risk-based capital ratio | 13.0392% | 4,121 |
| Total risk-based capital ratio | 14.2916% | 4,038 |
| Memoranda: | ||
| Average total assets | $597,599,000 | 1,187 |
| Average earning assets | $572,863,670 | 1,136 |
| Average equity | $53,873,670 | 1,250 |
| Average total loans | $412,102,000 | 1,219 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3199% | 1,241 |
| Cost of funding earning assets | 2.7747% | 1,044 |
| Net interest margin | 3.5452% | 4,545 |
| Noninterest income to average assets | 0.1055% | 7,510 |
| Noninterest expense to average assets | 1.7603% | 7,750 |
| Loan and lease loss provision to assets | 0.2382% | 4,077 |
| Net operating income to assets | 0.9475% | 2,525 |
| Return on assets (ROA) | 0.9475% | 2,654 |
| Pretax return on assets | 1.5050% | 1,659 |
| Return on Equity (ROE) | 10.3569% | 2,180 |
| Retained earnings to average equity (ytd only) | 10.3569% | 1,105 |
| Net charge-offs to loans | 0.0126% | 5,432 |
| Credit loss provision to net charge-offs | 2,692.3077% | 252 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 212 |
| Efficiency ratio | 50.2429% | 7,575 |
| Assets per employee ($millions) | 7.2871% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 3,616 |
| Loan loss allowance to noncurrent loans | 150.1330% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 5,018 |
| Noncurrent loans to loans | 0.9192% | 5,163 |
| Net loans and leases to total assets | 67.4759% | 4,251 |
| Net loans and leases to deposits | 93.5394% | 2,356 |
| Net loans and leases to core deposits | 134.5258% | 1,385 |
| Total domestic deposits to total assets | 72.1363% | 7,193 |
| Equity capital to assets | 9.0942% | 5,236 |
| Core capital (leverage) ratio | 9.3672% | 4,148 |
| Tier 1 risk-based capital ratio | 13.4916% | 3,867 |
| Total risk-based capital ratio | 14.7453% | 3,790 |
| Memoranda: | ||
| Average total assets | $587,638,000 | 1,215 |
| Average earning assets | $563,233,500 | 1,157 |
| Average equity | $53,761,500 | 1,256 |
| Average total loans | $411,196,000 | 1,231 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6670% | 2,171 |
| Cost of funding earning assets | 2.9792% | 1,942 |
| Net interest margin | 3.6877% | 4,521 |
| Noninterest income to average assets | 0.1268% | 7,481 |
| Noninterest expense to average assets | 1.9731% | 7,491 |
| Loan and lease loss provision to assets | 0.2267% | 4,621 |
| Net operating income to assets | 0.9602% | 2,745 |
| Return on assets (ROA) | 0.6297% | 4,036 |
| Pretax return on assets | 0.9641% | 3,507 |
| Return on Equity (ROE) | 6.9943% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.9943% | 1,153 |
| Net charge-offs to loans | 0.0155% | 6,669 |
| Credit loss provision to net charge-offs | 2,131.1475% | 214 |
| Earnings coverage of net charge-offs (x) | 159.7213% | 291 |
| Efficiency ratio | 53.7304% | 7,299 |
| Assets per employee ($millions) | 6.7968% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 3,911 |
| Loan loss allowance to noncurrent loans | 142.2747% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 4,620 |
| Noncurrent loans to loans | 0.9015% | 4,818 |
| Net loans and leases to total assets | 70.6639% | 3,866 |
| Net loans and leases to deposits | 99.4235% | 1,920 |
| Net loans and leases to core deposits | 139.5849% | 1,289 |
| Total domestic deposits to total assets | 71.0736% | 7,149 |
| Equity capital to assets | 9.2051% | 5,072 |
| Core capital (leverage) ratio | 9.1585% | 4,507 |
| Tier 1 risk-based capital ratio | 13.3130% | 3,924 |
| Total risk-based capital ratio | 14.5639% | 3,828 |
| Memoranda: | ||
| Average total assets | $573,410,200 | 1,174 |
| Average earning assets | $551,285,200 | 1,116 |
| Average equity | $51,628,000 | 1,304 |
| Average total loans | $393,801,600 | 1,230 |