Home > Bravera Bank > Performance and Condition Ratios
Bravera Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2559% | 2,609 |
| Cost of funding earning assets | 2.0919% | 1,679 |
| Net interest margin | 3.1640% | 3,092 |
| Noninterest income to average assets | 1.0600% | 534 |
| Noninterest expense to average assets | 2.5311% | 2,207 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 1.1405% | 1,890 |
| Return on assets (ROA) | 1.1383% | 1,896 |
| Pretax return on assets | 1.3832% | 1,781 |
| Return on Equity (ROE) | 12.6800% | 1,565 |
| Retained earnings to average equity (ytd only) | 12.6821% | 672 |
| Net charge-offs to loans | 0.1928% | 548 |
| Credit loss provision to net charge-offs | 67.0841% | 1,476 |
| Earnings coverage of net charge-offs (x) | 11.3363% | 1,673 |
| Efficiency ratio | 61.5253% | 2,770 |
| Assets per employee ($millions) | 7.4787% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,299 |
| Loan loss allowance to noncurrent loans | 82.2216% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.9961% | 706 |
| Noncurrent loans to loans | 1.4331% | 699 |
| Net loans and leases to total assets | 65.4400% | 2,344 |
| Net loans and leases to deposits | 73.7475% | 2,581 |
| Net loans and leases to core deposits | 85.3481% | 2,367 |
| Total domestic deposits to total assets | 88.7400% | 1,289 |
| Equity capital to assets | 9.0822% | 2,876 |
| Core capital (leverage) ratio | 9.2755% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6989% | 2,305 |
| Memoranda: | ||
| Average total assets | $3,442,801,000 | 382 |
| Average earning assets | $3,207,804,000 | 365 |
| Average equity | $309,002,000 | 426 |
| Average total loans | $2,318,915,000 | 393 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2809% | 2,565 |
| Cost of funding earning assets | 2.2570% | 1,612 |
| Net interest margin | 3.0239% | 3,110 |
| Noninterest income to average assets | 1.1900% | 459 |
| Noninterest expense to average assets | 2.5069% | 2,288 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 1.0919% | 1,768 |
| Return on assets (ROA) | 1.0936% | 1,760 |
| Pretax return on assets | 1.3746% | 1,569 |
| Return on Equity (ROE) | 12.1900% | 1,567 |
| Retained earnings to average equity (ytd only) | 7.9428% | 1,132 |
| Net charge-offs to loans | 0.0474% | 1,679 |
| Credit loss provision to net charge-offs | 382.7751% | 759 |
| Earnings coverage of net charge-offs (x) | 46.3856% | 1,259 |
| Efficiency ratio | 60.7316% | 3,082 |
| Assets per employee ($millions) | 7.4084% | 1,897 |
| Cash dividends to net income (ytd only)* | 34.8386% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 2,236 |
| Loan loss allowance to noncurrent loans | 103.6045% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 827 |
| Noncurrent loans to loans | 1.1467% | 879 |
| Net loans and leases to total assets | 67.7100% | 2,177 |
| Net loans and leases to deposits | 76.2124% | 2,440 |
| Net loans and leases to core deposits | 87.8083% | 2,273 |
| Total domestic deposits to total assets | 88.8400% | 1,217 |
| Equity capital to assets | 8.8653% | 2,927 |
| Core capital (leverage) ratio | 9.2426% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4165% | 2,409 |
| Memoranda: | ||
| Average total assets | $3,239,958,800 | 382 |
| Average earning assets | $3,017,540,800 | 372 |
| Average equity | $290,679,600 | 429 |
| Average total loans | $2,205,127,200 | 396 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2400% | 2,572 |
| Cost of funding earning assets | 2.2684% | 1,592 |
| Net interest margin | 2.9716% | 3,156 |
| Noninterest income to average assets | 1.2400% | 431 |
| Noninterest expense to average assets | 2.4888% | 2,290 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 1.1460% | 1,639 |
| Return on assets (ROA) | 1.1472% | 1,640 |
| Pretax return on assets | 1.4171% | 1,473 |
| Return on Equity (ROE) | 12.7500% | 1,427 |
| Retained earnings to average equity (ytd only) | 7.0351% | 1,729 |
| Net charge-offs to loans | 0.0398% | 1,548 |
| Credit loss provision to net charge-offs | 385.2080% | 753 |
| Earnings coverage of net charge-offs (x) | 56.2512% | 1,141 |
| Efficiency ratio | 60.1649% | 3,141 |
| Assets per employee ($millions) | 7.0902% | 2,084 |
| Cash dividends to net income (ytd only)* | 44.8091% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,391 |
| Loan loss allowance to noncurrent loans | 100.5803% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.9148% | 737 |
| Noncurrent loans to loans | 1.1603% | 860 |
| Net loans and leases to total assets | 69.6100% | 1,901 |
| Net loans and leases to deposits | 79.0003% | 2,273 |
| Net loans and leases to core deposits | 91.5004% | 2,041 |
| Total domestic deposits to total assets | 88.1200% | 1,208 |
| Equity capital to assets | 9.5304% | 2,645 |
| Core capital (leverage) ratio | 9.2943% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4787% | 2,410 |
| Memoranda: | ||
| Average total assets | $3,201,684,750 | 379 |
| Average earning assets | $2,984,280,500 | 370 |
| Average equity | $288,148,250 | 425 |
| Average total loans | $2,175,172,500 | 397 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1584% | 2,642 |
| Cost of funding earning assets | 2.2177% | 1,608 |
| Net interest margin | 2.9407% | 3,177 |
| Noninterest income to average assets | 1.3100% | 409 |
| Noninterest expense to average assets | 2.4628% | 2,344 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 1.2274% | 1,410 |
| Return on assets (ROA) | 1.2273% | 1,411 |
| Pretax return on assets | 1.5173% | 1,248 |
| Return on Equity (ROE) | 13.9100% | 1,171 |
| Retained earnings to average equity (ytd only) | 5.7768% | 2,092 |
| Net charge-offs to loans | 0.0193% | 1,775 |
| Credit loss provision to net charge-offs | 530.9179% | 606 |
| Earnings coverage of net charge-offs (x) | 122.3575% | 686 |
| Efficiency ratio | 58.9260% | 3,307 |
| Assets per employee ($millions) | 7.1414% | 1,979 |
| Cash dividends to net income (ytd only)* | 58.4783% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,435 |
| Loan loss allowance to noncurrent loans | 155.3172% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 1,097 |
| Noncurrent loans to loans | 0.7482% | 1,246 |
| Net loans and leases to total assets | 67.6500% | 2,164 |
| Net loans and leases to deposits | 76.1287% | 2,529 |
| Net loans and leases to core deposits | 87.3390% | 2,324 |
| Total domestic deposits to total assets | 88.8600% | 1,047 |
| Equity capital to assets | 8.7987% | 2,882 |
| Core capital (leverage) ratio | 9.1366% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5345% | 2,415 |
| Memoranda: | ||
| Average total assets | $3,193,565,333 | 381 |
| Average earning assets | $2,978,168,333 | 370 |
| Average equity | $281,712,333 | 431 |
| Average total loans | $2,142,800,333 | 402 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 2,638 |
| Cost of funding earning assets | 2.1627% | 1,628 |
| Net interest margin | 2.9116% | 3,170 |
| Noninterest income to average assets | 1.6200% | 308 |
| Noninterest expense to average assets | 2.5324% | 2,155 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.4060% | 1,048 |
| Return on assets (ROA) | 1.4091% | 1,047 |
| Pretax return on assets | 1.7466% | 898 |
| Return on Equity (ROE) | 15.9500% | 844 |
| Retained earnings to average equity (ytd only) | 14.9664% | 434 |
| Net charge-offs to loans | -0.0882% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 56.5963% | 3,550 |
| Assets per employee ($millions) | 6.9118% | 2,139 |
| Cash dividends to net income (ytd only)* | 6.1881% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 2,188 |
| Loan loss allowance to noncurrent loans | 244.9967% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 1,367 |
| Noncurrent loans to loans | 0.4973% | 1,681 |
| Net loans and leases to total assets | 64.2600% | 2,440 |
| Net loans and leases to deposits | 72.3526% | 2,724 |
| Net loans and leases to core deposits | 82.3851% | 2,543 |
| Total domestic deposits to total assets | 88.8100% | 1,159 |
| Equity capital to assets | 8.8162% | 2,799 |
| Core capital (leverage) ratio | 9.2307% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9316% | 2,260 |
| Memoranda: | ||
| Average total assets | $3,183,532,000 | 383 |
| Average earning assets | $2,968,939,500 | 374 |
| Average equity | $281,190,000 | 436 |
| Average total loans | $2,114,465,500 | 406 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5116% | 3,083 |
| Cost of funding earning assets | 1.5359% | 1,853 |
| Net interest margin | 2.9756% | 3,341 |
| Noninterest income to average assets | 1.0700% | 571 |
| Noninterest expense to average assets | 2.6132% | 1,969 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9550% | 2,348 |
| Return on assets (ROA) | 0.9612% | 2,325 |
| Pretax return on assets | 1.1767% | 2,198 |
| Return on Equity (ROE) | 12.2400% | 1,901 |
| Retained earnings to average equity (ytd only) | 5.8261% | 2,313 |
| Net charge-offs to loans | -0.0130% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.0697% | 2,224 |
| Assets per employee ($millions) | 6.6875% | 2,281 |
| Cash dividends to net income (ytd only)* | 52.3920% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,282 |
| Loan loss allowance to noncurrent loans | 262.8615% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 1,468 |
| Noncurrent loans to loans | 0.4575% | 1,638 |
| Net loans and leases to total assets | 66.3400% | 2,222 |
| Net loans and leases to deposits | 74.1647% | 2,603 |
| Net loans and leases to core deposits | 84.2889% | 2,435 |
| Total domestic deposits to total assets | 89.4600% | 918 |
| Equity capital to assets | 8.4667% | 3,081 |
| Core capital (leverage) ratio | 9.3033% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5293% | 2,399 |
| Memoranda: | ||
| Average total assets | $2,861,943,800 | 412 |
| Average earning assets | $2,659,411,000 | 402 |
| Average equity | $224,783,000 | 489 |
| Average total loans | $1,911,320,400 | 421 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 3,282 |
| Cost of funding earning assets | 1.4045% | 1,854 |
| Net interest margin | 2.9022% | 3,537 |
| Noninterest income to average assets | 1.1800% | 508 |
| Noninterest expense to average assets | 2.7137% | 1,620 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9008% | 2,675 |
| Return on assets (ROA) | 0.9069% | 2,640 |
| Pretax return on assets | 1.1016% | 2,563 |
| Return on Equity (ROE) | 11.9600% | 2,135 |
| Retained earnings to average equity (ytd only) | 4.7269% | 3,031 |
| Net charge-offs to loans | -0.0385% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.8256% | 1,928 |
| Assets per employee ($millions) | 6.2112% | 2,551 |
| Cash dividends to net income (ytd only)* | 60.4781% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 2,550 |
| Loan loss allowance to noncurrent loans | 234.9459% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 1,313 |
| Noncurrent loans to loans | 0.4955% | 1,576 |
| Net loans and leases to total assets | 66.5500% | 2,195 |
| Net loans and leases to deposits | 77.5935% | 2,282 |
| Net loans and leases to core deposits | 87.6950% | 2,076 |
| Total domestic deposits to total assets | 85.7600% | 2,266 |
| Equity capital to assets | 7.1531% | 3,539 |
| Core capital (leverage) ratio | 8.8408% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1802% | 2,560 |
| Memoranda: | ||
| Average total assets | $2,454,017,750 | 480 |
| Average earning assets | $2,277,850,000 | 467 |
| Average equity | $186,081,000 | 567 |
| Average total loans | $1,596,613,750 | 495 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 3,400 |
| Cost of funding earning assets | 1.1390% | 2,168 |
| Net interest margin | 3.0096% | 3,406 |
| Noninterest income to average assets | 1.0800% | 509 |
| Noninterest expense to average assets | 2.7039% | 1,634 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.8914% | 2,785 |
| Return on assets (ROA) | 0.8978% | 2,747 |
| Pretax return on assets | 1.0847% | 2,680 |
| Return on Equity (ROE) | 11.6100% | 2,268 |
| Retained earnings to average equity (ytd only) | 0.8724% | 3,934 |
| Net charge-offs to loans | 0.0346% | 1,204 |
| Credit loss provision to net charge-offs | 444.4444% | 694 |
| Earnings coverage of net charge-offs (x) | 52.9370% | 1,257 |
| Efficiency ratio | 68.4448% | 1,928 |
| Assets per employee ($millions) | 6.0768% | 2,648 |
| Cash dividends to net income (ytd only)* | 92.4874% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,612 |
| Loan loss allowance to noncurrent loans | 292.8165% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 1,417 |
| Noncurrent loans to loans | 0.3985% | 1,737 |
| Net loans and leases to total assets | 65.3500% | 2,226 |
| Net loans and leases to deposits | 74.3395% | 2,456 |
| Net loans and leases to core deposits | 82.6906% | 2,282 |
| Total domestic deposits to total assets | 87.9000% | 1,643 |
| Equity capital to assets | 7.4928% | 3,521 |
| Core capital (leverage) ratio | 8.8937% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2705% | 2,542 |
| Memoranda: | ||
| Average total assets | $2,431,441,333 | 473 |
| Average earning assets | $2,258,608,333 | 463 |
| Average equity | $187,980,333 | 555 |
| Average total loans | $1,562,863,333 | 493 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9687% | 3,512 |
| Cost of funding earning assets | 0.9022% | 2,362 |
| Net interest margin | 3.0666% | 3,425 |
| Noninterest income to average assets | 1.0400% | 540 |
| Noninterest expense to average assets | 2.7945% | 1,445 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8526% | 3,011 |
| Return on assets (ROA) | 0.8593% | 2,939 |
| Pretax return on assets | 1.0383% | 2,893 |
| Return on Equity (ROE) | 10.9400% | 2,510 |
| Retained earnings to average equity (ytd only) | 4.9108% | 3,041 |
| Net charge-offs to loans | 0.0505% | 860 |
| Credit loss provision to net charge-offs | 207.2539% | 814 |
| Earnings coverage of net charge-offs (x) | 34.2798% | 1,253 |
| Efficiency ratio | 70.5639% | 1,695 |
| Assets per employee ($millions) | 6.0112% | 2,754 |
| Cash dividends to net income (ytd only)* | 55.1205% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 2,597 |
| Loan loss allowance to noncurrent loans | 297.7865% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 1,398 |
| Noncurrent loans to loans | 0.4001% | 1,732 |
| Net loans and leases to total assets | 62.0200% | 2,460 |
| Net loans and leases to deposits | 68.0981% | 2,758 |
| Net loans and leases to core deposits | 75.4460% | 2,573 |
| Total domestic deposits to total assets | 91.0800% | 773 |
| Equity capital to assets | 7.9857% | 3,253 |
| Core capital (leverage) ratio | 9.1035% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8906% | 2,431 |
| Memoranda: | ||
| Average total assets | $2,413,572,500 | 487 |
| Average earning assets | $2,241,729,500 | 475 |
| Average equity | $189,540,500 | 558 |
| Average total loans | $1,528,662,500 | 513 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6153% | 2,760 |
| Cost of funding earning assets | 0.3063% | 2,825 |
| Net interest margin | 3.3090% | 2,542 |
| Noninterest income to average assets | 1.3000% | 409 |
| Noninterest expense to average assets | 2.7405% | 1,462 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2703% | 1,527 |
| Return on assets (ROA) | 1.2690% | 1,485 |
| Pretax return on assets | 1.5711% | 1,242 |
| Return on Equity (ROE) | 15.7700% | 1,092 |
| Retained earnings to average equity (ytd only) | 9.9865% | 1,157 |
| Net charge-offs to loans | -0.0090% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.5117% | 2,837 |
| Assets per employee ($millions) | 6.0879% | 2,694 |
| Cash dividends to net income (ytd only)* | 36.6887% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 2,620 |
| Loan loss allowance to noncurrent loans | 259.9912% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 1,273 |
| Noncurrent loans to loans | 0.4440% | 1,594 |
| Net loans and leases to total assets | 63.1700% | 2,311 |
| Net loans and leases to deposits | 71.8857% | 2,416 |
| Net loans and leases to core deposits | 76.0980% | 2,413 |
| Total domestic deposits to total assets | 87.8800% | 2,112 |
| Equity capital to assets | 7.7188% | 3,240 |
| Core capital (leverage) ratio | 9.0723% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6535% | 2,505 |
| Memoranda: | ||
| Average total assets | $2,333,711,200 | 485 |
| Average earning assets | $2,170,927,800 | 474 |
| Average equity | $187,743,600 | 553 |
| Average total loans | $1,426,814,000 | 501 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 2,719 |
| Cost of funding earning assets | 0.2097% | 3,155 |
| Net interest margin | 3.2577% | 2,435 |
| Noninterest income to average assets | 1.3000% | 432 |
| Noninterest expense to average assets | 2.7202% | 1,424 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2651% | 1,477 |
| Return on assets (ROA) | 1.2630% | 1,444 |
| Pretax return on assets | 1.5606% | 1,230 |
| Return on Equity (ROE) | 15.5400% | 1,073 |
| Retained earnings to average equity (ytd only) | 8.1268% | 1,955 |
| Net charge-offs to loans | -0.0241% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.5720% | 2,887 |
| Assets per employee ($millions) | 5.9984% | 2,760 |
| Cash dividends to net income (ytd only)* | 47.6904% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,722 |
| Loan loss allowance to noncurrent loans | 243.5804% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 1,440 |
| Noncurrent loans to loans | 0.4776% | 1,604 |
| Net loans and leases to total assets | 62.5800% | 2,228 |
| Net loans and leases to deposits | 70.1658% | 2,347 |
| Net loans and leases to core deposits | 73.5445% | 2,381 |
| Total domestic deposits to total assets | 89.1900% | 2,011 |
| Equity capital to assets | 7.1657% | 3,426 |
| Core capital (leverage) ratio | 8.8856% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5218% | 2,649 |
| Memoranda: | ||
| Average total assets | $2,317,479,000 | 485 |
| Average earning assets | $2,160,123,750 | 476 |
| Average equity | $188,392,750 | 558 |
| Average total loans | $1,400,282,500 | 502 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3487% | 2,577 |
| Cost of funding earning assets | 0.1826% | 3,148 |
| Net interest margin | 3.1662% | 2,303 |
| Noninterest income to average assets | 1.2219% | 460 |
| Noninterest expense to average assets | 2.7529% | 1,261 |
| Loan and lease loss provision to assets | 0.0781% | 1,242 |
| Net operating income to assets | 1.0986% | 1,773 |
| Return on assets (ROA) | 1.0946% | 1,779 |
| Pretax return on assets | 1.3476% | 1,589 |
| Return on Equity (ROE) | 12.9438% | 1,393 |
| Retained earnings to average equity (ytd only) | 2.2079% | 3,689 |
| Net charge-offs to loans | -0.0487% | 4,226 |
| Credit loss provision to net charge-offs | -269.4611% | 3,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5819% | 2,697 |
| Assets per employee ($millions) | 5.9940% | 2,750 |
| Cash dividends to net income (ytd only)* | 82.9425% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,617 |
| Loan loss allowance to noncurrent loans | 211.4595% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 1,266 |
| Noncurrent loans to loans | 0.5746% | 1,469 |
| Net loans and leases to total assets | 60.8329% | 2,234 |
| Net loans and leases to deposits | 66.4259% | 2,512 |
| Net loans and leases to core deposits | 69.4058% | 2,534 |
| Total domestic deposits to total assets | 91.5801% | 1,008 |
| Equity capital to assets | 7.5761% | 3,419 |
| Core capital (leverage) ratio | 8.5765% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4431% | 2,693 |
| Memoranda: | ||
| Average total assets | $2,306,186,667 | 482 |
| Average earning assets | $2,157,065,667 | 477 |
| Average equity | $195,027,000 | 545 |
| Average total loans | $1,370,747,333 | 506 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2210% | 2,623 |
| Cost of funding earning assets | 0.1880% | 2,970 |
| Net interest margin | 3.0330% | 2,390 |
| Noninterest income to average assets | 1.2381% | 464 |
| Noninterest expense to average assets | 2.7723% | 1,209 |
| Loan and lease loss provision to assets | 0.0871% | 954 |
| Net operating income to assets | 0.9931% | 1,903 |
| Return on assets (ROA) | 0.9928% | 1,902 |
| Pretax return on assets | 1.2191% | 1,740 |
| Return on Equity (ROE) | 11.1523% | 1,564 |
| Retained earnings to average equity (ytd only) | -9.3307% | 4,549 |
| Net charge-offs to loans | -0.0290% | 4,075 |
| Credit loss provision to net charge-offs | -515.4639% | 3,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7079% | 2,673 |
| Assets per employee ($millions) | 6.0927% | 2,724 |
| Cash dividends to net income (ytd only)* | 183.6667% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,640 |
| Loan loss allowance to noncurrent loans | 126.8902% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 860 |
| Noncurrent loans to loans | 0.9791% | 927 |
| Net loans and leases to total assets | 56.9653% | 2,422 |
| Net loans and leases to deposits | 62.5261% | 2,671 |
| Net loans and leases to core deposits | 65.6207% | 2,666 |
| Total domestic deposits to total assets | 91.1065% | 978 |
| Equity capital to assets | 8.0569% | 3,526 |
| Core capital (leverage) ratio | 8.5626% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4990% | 2,775 |
| Memoranda: | ||
| Average total assets | $2,296,442,000 | 486 |
| Average earning assets | $2,150,896,000 | 482 |
| Average equity | $204,443,000 | 536 |
| Average total loans | $1,340,032,000 | 511 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6238% | 2,322 |
| Cost of funding earning assets | 0.2703% | 2,701 |
| Net interest margin | 3.3535% | 2,152 |
| Noninterest income to average assets | 1.3460% | 598 |
| Noninterest expense to average assets | 2.8940% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2491% | 1,746 |
| Return on assets (ROA) | 1.2589% | 1,772 |
| Pretax return on assets | 1.5977% | 1,426 |
| Return on Equity (ROE) | 12.5648% | 1,619 |
| Retained earnings to average equity (ytd only) | 9.5953% | 1,019 |
| Net charge-offs to loans | -0.0375% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3745% | 2,660 |
| Assets per employee ($millions) | 6.1064% | 2,657 |
| Cash dividends to net income (ytd only)* | 23.6333% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,809 |
| Loan loss allowance to noncurrent loans | 106.1032% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 756 |
| Noncurrent loans to loans | 1.1453% | 842 |
| Net loans and leases to total assets | 58.3313% | 2,337 |
| Net loans and leases to deposits | 65.3815% | 2,561 |
| Net loans and leases to core deposits | 68.9299% | 2,557 |
| Total domestic deposits to total assets | 89.2169% | 1,404 |
| Equity capital to assets | 9.7807% | 2,871 |
| Core capital (leverage) ratio | 9.0131% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1427% | 2,583 |
| Memoranda: | ||
| Average total assets | $2,140,341,400 | 497 |
| Average earning assets | $1,999,877,000 | 495 |
| Average equity | $214,449,000 | 507 |
| Average total loans | $1,328,400,600 | 515 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8544% | 1,902 |
| Cost of funding earning assets | 0.2896% | 2,691 |
| Net interest margin | 3.5647% | 1,688 |
| Noninterest income to average assets | 1.3805% | 622 |
| Noninterest expense to average assets | 2.9272% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4446% | 1,412 |
| Return on assets (ROA) | 1.4508% | 1,450 |
| Pretax return on assets | 1.7999% | 1,162 |
| Return on Equity (ROE) | 14.9027% | 1,162 |
| Retained earnings to average equity (ytd only) | 12.3174% | 769 |
| Net charge-offs to loans | -0.0174% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8079% | 2,861 |
| Assets per employee ($millions) | 5.5195% | 3,177 |
| Cash dividends to net income (ytd only)* | 17.3478% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 2,768 |
| Loan loss allowance to noncurrent loans | 108.1267% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 786 |
| Noncurrent loans to loans | 1.1510% | 973 |
| Net loans and leases to total assets | 61.6842% | 2,043 |
| Net loans and leases to deposits | 69.1647% | 2,318 |
| Net loans and leases to core deposits | 73.7626% | 2,260 |
| Total domestic deposits to total assets | 89.1845% | 1,177 |
| Equity capital to assets | 9.8102% | 3,093 |
| Core capital (leverage) ratio | 8.7304% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6764% | 2,810 |
| Memoranda: | ||
| Average total assets | $1,974,336,500 | 543 |
| Average earning assets | $1,849,249,500 | 536 |
| Average equity | $192,211,000 | 566 |
| Average total loans | $1,255,281,750 | 548 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 1,477 |
| Cost of funding earning assets | 0.3025% | 2,756 |
| Net interest margin | 3.7351% | 1,256 |
| Noninterest income to average assets | 1.2669% | 726 |
| Noninterest expense to average assets | 2.8497% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5478% | 1,174 |
| Return on assets (ROA) | 1.5537% | 1,216 |
| Pretax return on assets | 1.9275% | 956 |
| Return on Equity (ROE) | 16.0017% | 955 |
| Retained earnings to average equity (ytd only) | 12.7004% | 776 |
| Net charge-offs to loans | -0.0389% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5413% | 3,208 |
| Assets per employee ($millions) | 5.4723% | 3,158 |
| Cash dividends to net income (ytd only)* | 20.6313% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,692 |
| Loan loss allowance to noncurrent loans | 96.8944% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 730 |
| Noncurrent loans to loans | 1.2867% | 915 |
| Net loans and leases to total assets | 63.0995% | 2,050 |
| Net loans and leases to deposits | 70.7694% | 2,333 |
| Net loans and leases to core deposits | 75.6301% | 2,271 |
| Total domestic deposits to total assets | 89.1621% | 1,194 |
| Equity capital to assets | 9.7490% | 3,096 |
| Core capital (leverage) ratio | 8.4794% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5407% | 2,847 |
| Memoranda: | ||
| Average total assets | $1,953,545,667 | 540 |
| Average earning assets | $1,832,131,000 | 536 |
| Average equity | $189,679,667 | 569 |
| Average total loans | $1,249,655,667 | 549 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 1,014 |
| Cost of funding earning assets | 0.3207% | 2,788 |
| Net interest margin | 4.0003% | 842 |
| Noninterest income to average assets | 1.2624% | 790 |
| Noninterest expense to average assets | 2.9998% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6272% | 1,066 |
| Return on assets (ROA) | 1.6393% | 1,091 |
| Pretax return on assets | 2.0311% | 904 |
| Return on Equity (ROE) | 16.9184% | 861 |
| Retained earnings to average equity (ytd only) | 10.2267% | 1,593 |
| Net charge-offs to loans | -0.1724% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6574% | 3,210 |
| Assets per employee ($millions) | 5.5047% | 3,114 |
| Cash dividends to net income (ytd only)* | 39.5528% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,462 |
| Loan loss allowance to noncurrent loans | 87.8008% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.2475% | 582 |
| Noncurrent loans to loans | 1.4748% | 853 |
| Net loans and leases to total assets | 62.3175% | 2,252 |
| Net loans and leases to deposits | 69.7022% | 2,538 |
| Net loans and leases to core deposits | 74.7144% | 2,451 |
| Total domestic deposits to total assets | 89.4053% | 1,121 |
| Equity capital to assets | 9.4442% | 3,249 |
| Core capital (leverage) ratio | 8.4884% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3735% | 2,850 |
| Memoranda: | ||
| Average total assets | $1,931,576,500 | 542 |
| Average earning assets | $1,812,466,000 | 536 |
| Average equity | $187,157,500 | 570 |
| Average total loans | $1,236,358,500 | 557 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 2,451 |
| Cost of funding earning assets | 0.5262% | 2,774 |
| Net interest margin | 3.5633% | 2,268 |
| Noninterest income to average assets | 1.2640% | 709 |
| Noninterest expense to average assets | 2.8836% | 1,729 |
| Loan and lease loss provision to assets | 0.1432% | 2,569 |
| Net operating income to assets | 1.2886% | 1,278 |
| Return on assets (ROA) | 1.2885% | 1,382 |
| Pretax return on assets | 1.6031% | 1,072 |
| Return on Equity (ROE) | 13.1390% | 1,008 |
| Retained earnings to average equity (ytd only) | 1.8397% | 3,894 |
| Net charge-offs to loans | 0.3258% | 544 |
| Credit loss provision to net charge-offs | 67.2560% | 3,060 |
| Earnings coverage of net charge-offs (x) | 8.2047% | 2,623 |
| Efficiency ratio | 61.3775% | 3,249 |
| Assets per employee ($millions) | 5.4378% | 2,908 |
| Cash dividends to net income (ytd only)* | 85.9979% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,502 |
| Loan loss allowance to noncurrent loans | 69.3411% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 597 |
| Noncurrent loans to loans | 1.8498% | 659 |
| Net loans and leases to total assets | 64.0941% | 2,349 |
| Net loans and leases to deposits | 71.8256% | 2,702 |
| Net loans and leases to core deposits | 77.4399% | 2,602 |
| Total domestic deposits to total assets | 89.2358% | 879 |
| Equity capital to assets | 9.9476% | 3,177 |
| Core capital (leverage) ratio | 8.3678% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7320% | 2,719 |
| Memoranda: | ||
| Average total assets | $1,833,568,000 | 518 |
| Average earning assets | $1,732,086,000 | 506 |
| Average equity | $179,807,600 | 559 |
| Average total loans | $1,197,979,400 | 548 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 2,523 |
| Cost of funding earning assets | 0.5581% | 2,879 |
| Net interest margin | 3.5921% | 2,301 |
| Noninterest income to average assets | 1.2823% | 659 |
| Noninterest expense to average assets | 2.8151% | 1,933 |
| Loan and lease loss provision to assets | 0.1818% | 2,163 |
| Net operating income to assets | 1.3649% | 1,188 |
| Return on assets (ROA) | 1.3624% | 1,292 |
| Pretax return on assets | 1.6875% | 993 |
| Return on Equity (ROE) | 14.3271% | 817 |
| Retained earnings to average equity (ytd only) | 1.0234% | 4,252 |
| Net charge-offs to loans | 0.4499% | 345 |
| Credit loss provision to net charge-offs | 61.9835% | 2,843 |
| Earnings coverage of net charge-offs (x) | 6.3851% | 2,651 |
| Efficiency ratio | 59.1776% | 3,497 |
| Assets per employee ($millions) | 5.2917% | 2,904 |
| Cash dividends to net income (ytd only)* | 92.8571% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,229 |
| Loan loss allowance to noncurrent loans | 73.2107% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 786 |
| Noncurrent loans to loans | 1.7535% | 768 |
| Net loans and leases to total assets | 65.3739% | 2,599 |
| Net loans and leases to deposits | 72.7948% | 3,057 |
| Net loans and leases to core deposits | 79.6192% | 2,877 |
| Total domestic deposits to total assets | 89.8058% | 498 |
| Equity capital to assets | 9.5800% | 3,624 |
| Core capital (leverage) ratio | 8.5488% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7742% | 2,695 |
| Memoranda: | ||
| Average total assets | $1,760,544,750 | 530 |
| Average earning assets | $1,668,903,750 | 513 |
| Average equity | $167,417,000 | 604 |
| Average total loans | $1,147,486,750 | 555 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 2,419 |
| Cost of funding earning assets | 0.6301% | 2,813 |
| Net interest margin | 3.6905% | 2,197 |
| Noninterest income to average assets | 1.2553% | 641 |
| Noninterest expense to average assets | 2.8682% | 1,918 |
| Loan and lease loss provision to assets | 0.1609% | 2,390 |
| Net operating income to assets | 1.3916% | 1,131 |
| Return on assets (ROA) | 1.3877% | 1,234 |
| Pretax return on assets | 1.7174% | 966 |
| Return on Equity (ROE) | 14.6305% | 766 |
| Retained earnings to average equity (ytd only) | 3.7336% | 3,047 |
| Net charge-offs to loans | 0.2094% | 744 |
| Credit loss provision to net charge-offs | 118.6283% | 2,292 |
| Earnings coverage of net charge-offs (x) | 13.8772% | 1,973 |
| Efficiency ratio | 59.4665% | 3,490 |
| Assets per employee ($millions) | 5.2738% | 2,864 |
| Cash dividends to net income (ytd only)* | 74.4804% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 1,478 |
| Loan loss allowance to noncurrent loans | 102.7347% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0086% | 1,188 |
| Noncurrent loans to loans | 1.3929% | 1,112 |
| Net loans and leases to total assets | 65.5671% | 2,690 |
| Net loans and leases to deposits | 73.4098% | 3,131 |
| Net loans and leases to core deposits | 81.1467% | 2,855 |
| Total domestic deposits to total assets | 89.3165% | 637 |
| Equity capital to assets | 9.7527% | 3,422 |
| Core capital (leverage) ratio | 8.7353% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0912% | 2,571 |
| Memoranda: | ||
| Average total assets | $1,740,614,000 | 527 |
| Average earning assets | $1,648,902,333 | 510 |
| Average equity | $165,093,333 | 610 |
| Average total loans | $1,128,148,333 | 558 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 3,750 |
| Cost of funding earning assets | 0.7253% | 2,803 |
| Net interest margin | 3.2880% | 3,619 |
| Noninterest income to average assets | 1.3397% | 500 |
| Noninterest expense to average assets | 2.7685% | 2,520 |
| Loan and lease loss provision to assets | 0.1872% | 1,599 |
| Net operating income to assets | 1.2038% | 1,504 |
| Return on assets (ROA) | 1.1924% | 1,655 |
| Pretax return on assets | 1.4784% | 1,359 |
| Return on Equity (ROE) | 12.7624% | 922 |
| Retained earnings to average equity (ytd only) | -6.6780% | 4,626 |
| Net charge-offs to loans | 0.1630% | 808 |
| Credit loss provision to net charge-offs | 179.7753% | 1,477 |
| Earnings coverage of net charge-offs (x) | 16.1281% | 1,537 |
| Efficiency ratio | 61.2596% | 3,581 |
| Assets per employee ($millions) | 5.1975% | 2,429 |
| Cash dividends to net income (ytd only)* | 152.3258% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 1,135 |
| Loan loss allowance to noncurrent loans | 114.2574% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 1,400 |
| Noncurrent loans to loans | 1.3787% | 1,168 |
| Net loans and leases to total assets | 61.9016% | 3,308 |
| Net loans and leases to deposits | 68.4670% | 3,698 |
| Net loans and leases to core deposits | 77.5737% | 3,386 |
| Total domestic deposits to total assets | 90.4109% | 218 |
| Equity capital to assets | 8.9123% | 4,649 |
| Core capital (leverage) ratio | 8.7650% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5943% | 2,891 |
| Memoranda: | ||
| Average total assets | $1,709,100,000 | 524 |
| Average earning assets | $1,615,820,000 | 505 |
| Average equity | $159,688,000 | 621 |
| Average total loans | $1,092,341,000 | 551 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2342% | 3,719 |
| Cost of funding earning assets | 0.6594% | 3,367 |
| Net interest margin | 3.5747% | 3,217 |
| Noninterest income to average assets | 1.3696% | 515 |
| Noninterest expense to average assets | 2.8667% | 2,389 |
| Loan and lease loss provision to assets | 0.1318% | 1,620 |
| Net operating income to assets | 1.4210% | 1,272 |
| Return on assets (ROA) | 1.4243% | 1,333 |
| Pretax return on assets | 1.7537% | 1,061 |
| Return on Equity (ROE) | 15.2248% | 647 |
| Retained earnings to average equity (ytd only) | 8.7997% | 764 |
| Net charge-offs to loans | 0.2789% | 749 |
| Credit loss provision to net charge-offs | 72.3589% | 2,883 |
| Earnings coverage of net charge-offs (x) | 10.3285% | 2,582 |
| Efficiency ratio | 59.5764% | 3,758 |
| Assets per employee ($millions) | 5.2409% | 2,298 |
| Cash dividends to net income (ytd only)* | 42.2015% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5601% | 1,065 |
| Loan loss allowance to noncurrent loans | 113.8214% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 1,280 |
| Noncurrent loans to loans | 1.3706% | 1,085 |
| Net loans and leases to total assets | 63.9656% | 3,200 |
| Net loans and leases to deposits | 71.5141% | 3,549 |
| Net loans and leases to core deposits | 81.7710% | 3,148 |
| Total domestic deposits to total assets | 89.4447% | 514 |
| Equity capital to assets | 9.7940% | 4,105 |
| Core capital (leverage) ratio | 9.3207% | 4,260 |
| Tier 1 risk-based capital ratio | 11.8569% | 4,446 |
| Total risk-based capital ratio | 13.1078% | 4,316 |
| Memoranda: | ||
| Average total assets | $1,517,394,800 | 544 |
| Average earning assets | $1,434,089,400 | 530 |
| Average equity | $141,958,800 | 659 |
| Average total loans | $991,185,400 | 579 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2257% | 3,867 |
| Cost of funding earning assets | 0.6346% | 3,517 |
| Net interest margin | 3.5911% | 3,273 |
| Noninterest income to average assets | 1.3868% | 474 |
| Noninterest expense to average assets | 2.8800% | 2,316 |
| Loan and lease loss provision to assets | 0.1803% | 1,016 |
| Net operating income to assets | 1.3973% | 1,477 |
| Return on assets (ROA) | 1.3964% | 1,542 |
| Pretax return on assets | 1.7252% | 1,262 |
| Return on Equity (ROE) | 15.1269% | 752 |
| Retained earnings to average equity (ytd only) | 9.0841% | 1,020 |
| Net charge-offs to loans | 0.1367% | 1,173 |
| Credit loss provision to net charge-offs | 201.6129% | 1,299 |
| Earnings coverage of net charge-offs (x) | 21.3166% | 1,916 |
| Efficiency ratio | 59.4033% | 3,749 |
| Assets per employee ($millions) | 4.8550% | 2,727 |
| Cash dividends to net income (ytd only)* | 39.9471% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8396% | 623 |
| Loan loss allowance to noncurrent loans | 83.8282% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.5719% | 672 |
| Noncurrent loans to loans | 2.1945% | 580 |
| Net loans and leases to total assets | 65.9360% | 3,057 |
| Net loans and leases to deposits | 73.7739% | 3,492 |
| Net loans and leases to core deposits | 83.2760% | 3,157 |
| Total domestic deposits to total assets | 89.3757% | 487 |
| Equity capital to assets | 9.6242% | 4,362 |
| Core capital (leverage) ratio | 9.1348% | 4,531 |
| Tier 1 risk-based capital ratio | 11.4839% | 4,674 |
| Total risk-based capital ratio | 12.7458% | 4,573 |
| Memoranda: | ||
| Average total assets | $1,478,779,500 | 559 |
| Average earning assets | $1,399,968,500 | 543 |
| Average equity | $136,513,000 | 678 |
| Average total loans | $967,391,500 | 596 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 4,052 |
| Cost of funding earning assets | 0.5878% | 3,716 |
| Net interest margin | 3.5594% | 3,405 |
| Noninterest income to average assets | 1.3939% | 450 |
| Noninterest expense to average assets | 2.9147% | 2,247 |
| Loan and lease loss provision to assets | 0.2727% | 550 |
| Net operating income to assets | 1.2793% | 1,857 |
| Return on assets (ROA) | 1.2764% | 1,924 |
| Pretax return on assets | 1.5706% | 1,638 |
| Return on Equity (ROE) | 14.0321% | 973 |
| Retained earnings to average equity (ytd only) | 8.0766% | 1,358 |
| Net charge-offs to loans | 0.2325% | 726 |
| Credit loss provision to net charge-offs | 180.9955% | 1,312 |
| Earnings coverage of net charge-offs (x) | 12.2579% | 2,162 |
| Efficiency ratio | 60.4364% | 3,660 |
| Assets per employee ($millions) | 4.7247% | 2,837 |
| Cash dividends to net income (ytd only)* | 42.4420% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 578 |
| Loan loss allowance to noncurrent loans | 98.7475% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3613% | 894 |
| Noncurrent loans to loans | 1.9091% | 769 |
| Net loans and leases to total assets | 64.8637% | 3,254 |
| Net loans and leases to deposits | 74.2167% | 3,499 |
| Net loans and leases to core deposits | 82.7366% | 3,222 |
| Total domestic deposits to total assets | 87.3976% | 1,389 |
| Equity capital to assets | 9.4293% | 4,473 |
| Core capital (leverage) ratio | 9.0882% | 4,563 |
| Tier 1 risk-based capital ratio | 11.4292% | 4,719 |
| Total risk-based capital ratio | 12.6902% | 4,606 |
| Memoranda: | ||
| Average total assets | $1,466,789,330 | 564 |
| Average earning assets | $1,387,775,000 | 547 |
| Average equity | $133,423,000 | 684 |
| Average total loans | $950,694,330 | 605 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 4,118 |
| Cost of funding earning assets | 0.5273% | 3,933 |
| Net interest margin | 3.5753% | 3,347 |
| Noninterest income to average assets | 1.4950% | 393 |
| Noninterest expense to average assets | 2.9693% | 2,076 |
| Loan and lease loss provision to assets | 0.3440% | 351 |
| Net operating income to assets | 1.2815% | 1,769 |
| Return on assets (ROA) | 1.2781% | 1,821 |
| Pretax return on assets | 1.5563% | 1,591 |
| Return on Equity (ROE) | 14.3205% | 897 |
| Retained earnings to average equity (ytd only) | 2.0718% | 4,045 |
| Net charge-offs to loans | 0.5100% | 295 |
| Credit loss provision to net charge-offs | 105.1304% | 1,532 |
| Earnings coverage of net charge-offs (x) | 5.8209% | 2,238 |
| Efficiency ratio | 60.1626% | 3,783 |
| Assets per employee ($millions) | 4.6878% | 2,934 |
| Cash dividends to net income (ytd only)* | 85.5328% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8788% | 611 |
| Loan loss allowance to noncurrent loans | 93.1984% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.2873% | 1,025 |
| Noncurrent loans to loans | 2.0159% | 733 |
| Net loans and leases to total assets | 62.6558% | 3,441 |
| Net loans and leases to deposits | 69.3617% | 3,818 |
| Net loans and leases to core deposits | 77.1889% | 3,582 |
| Total domestic deposits to total assets | 90.3320% | 341 |
| Equity capital to assets | 8.9329% | 4,729 |
| Core capital (leverage) ratio | 8.9301% | 4,695 |
| Tier 1 risk-based capital ratio | 11.2462% | 4,866 |
| Total risk-based capital ratio | 12.5075% | 4,772 |
| Memoranda: | ||
| Average total assets | $1,453,680,500 | 568 |
| Average earning assets | $1,373,769,000 | 553 |
| Average equity | $129,744,500 | 703 |
| Average total loans | $932,528,500 | 620 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 4,071 |
| Cost of funding earning assets | 0.3061% | 4,546 |
| Net interest margin | 3.6788% | 3,121 |
| Noninterest income to average assets | 1.5212% | 399 |
| Noninterest expense to average assets | 3.0402% | 1,968 |
| Loan and lease loss provision to assets | 0.1957% | 969 |
| Net operating income to assets | 1.4497% | 1,278 |
| Return on assets (ROA) | 1.4411% | 1,294 |
| Pretax return on assets | 1.7532% | 1,042 |
| Return on Equity (ROE) | 16.6119% | 527 |
| Retained earnings to average equity (ytd only) | 8.5319% | 1,036 |
| Net charge-offs to loans | 0.2400% | 812 |
| Credit loss provision to net charge-offs | 129.6031% | 2,038 |
| Earnings coverage of net charge-offs (x) | 12.9780% | 2,492 |
| Efficiency ratio | 59.8732% | 3,879 |
| Assets per employee ($millions) | 4.5270% | 3,124 |
| Cash dividends to net income (ytd only)* | 48.6397% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9269% | 546 |
| Loan loss allowance to noncurrent loans | 87.5395% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.4188% | 846 |
| Noncurrent loans to loans | 2.2012% | 588 |
| Net loans and leases to total assets | 63.2128% | 3,440 |
| Net loans and leases to deposits | 69.9235% | 3,832 |
| Net loans and leases to core deposits | 75.3425% | 3,765 |
| Total domestic deposits to total assets | 90.4028% | 350 |
| Equity capital to assets | 8.9173% | 4,640 |
| Core capital (leverage) ratio | 9.0885% | 4,569 |
| Tier 1 risk-based capital ratio | 11.6012% | 4,665 |
| Total risk-based capital ratio | 12.8618% | 4,549 |
| Memoranda: | ||
| Average total assets | $1,384,982,200 | 574 |
| Average earning assets | $1,309,500,800 | 556 |
| Average equity | $120,148,800 | 717 |
| Average total loans | $871,238,800 | 638 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 4,140 |
| Cost of funding earning assets | 0.2673% | 4,692 |
| Net interest margin | 3.6618% | 3,159 |
| Noninterest income to average assets | 1.4967% | 428 |
| Noninterest expense to average assets | 3.0019% | 2,011 |
| Loan and lease loss provision to assets | 0.2240% | 733 |
| Net operating income to assets | 1.4147% | 1,435 |
| Return on assets (ROA) | 1.4048% | 1,467 |
| Pretax return on assets | 1.7267% | 1,213 |
| Return on Equity (ROE) | 16.3110% | 644 |
| Retained earnings to average equity (ytd only) | 6.0451% | 2,635 |
| Net charge-offs to loans | 0.2314% | 737 |
| Credit loss provision to net charge-offs | 154.9296% | 1,659 |
| Earnings coverage of net charge-offs (x) | 13.5748% | 2,347 |
| Efficiency ratio | 59.4605% | 3,891 |
| Assets per employee ($millions) | 4.3891% | 3,292 |
| Cash dividends to net income (ytd only)* | 62.9384% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9821% | 502 |
| Loan loss allowance to noncurrent loans | 71.8210% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.8037% | 644 |
| Noncurrent loans to loans | 2.7597% | 436 |
| Net loans and leases to total assets | 64.0610% | 3,417 |
| Net loans and leases to deposits | 73.0164% | 3,677 |
| Net loans and leases to core deposits | 78.0743% | 3,649 |
| Total domestic deposits to total assets | 87.7352% | 1,369 |
| Equity capital to assets | 8.6145% | 4,857 |
| Core capital (leverage) ratio | 8.8175% | 4,874 |
| Tier 1 risk-based capital ratio | 11.2915% | 4,902 |
| Total risk-based capital ratio | 12.5546% | 4,789 |
| Memoranda: | ||
| Average total assets | $1,374,725,000 | 574 |
| Average earning assets | $1,302,059,750 | 560 |
| Average equity | $118,395,750 | 721 |
| Average total loans | $859,265,250 | 642 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 4,220 |
| Cost of funding earning assets | 0.2301% | 4,855 |
| Net interest margin | 3.6178% | 3,243 |
| Noninterest income to average assets | 1.5153% | 422 |
| Noninterest expense to average assets | 2.9783% | 2,105 |
| Loan and lease loss provision to assets | 0.0452% | 3,002 |
| Net operating income to assets | 1.5578% | 1,016 |
| Return on assets (ROA) | 1.5550% | 1,028 |
| Pretax return on assets | 1.9138% | 745 |
| Return on Equity (ROE) | 18.0568% | 414 |
| Retained earnings to average equity (ytd only) | 4.0758% | 3,573 |
| Net charge-offs to loans | 0.3579% | 441 |
| Credit loss provision to net charge-offs | 20.5162% | 2,684 |
| Earnings coverage of net charge-offs (x) | 8.9107% | 2,433 |
| Efficiency ratio | 59.2442% | 4,047 |
| Assets per employee ($millions) | 4.3671% | 3,327 |
| Cash dividends to net income (ytd only)* | 77.4278% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 728 |
| Loan loss allowance to noncurrent loans | 68.0922% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.7045% | 718 |
| Noncurrent loans to loans | 2.6688% | 461 |
| Net loans and leases to total assets | 62.4085% | 3,550 |
| Net loans and leases to deposits | 69.8543% | 3,873 |
| Net loans and leases to core deposits | 76.6691% | 3,688 |
| Total domestic deposits to total assets | 89.3409% | 792 |
| Equity capital to assets | 8.5483% | 4,909 |
| Core capital (leverage) ratio | 8.6450% | 5,000 |
| Tier 1 risk-based capital ratio | 11.3178% | 4,887 |
| Total risk-based capital ratio | 12.5813% | 4,780 |
| Memoranda: | ||
| Average total assets | $1,372,108,330 | 576 |
| Average earning assets | $1,299,187,000 | 561 |
| Average equity | $118,160,330 | 720 |
| Average total loans | $844,486,330 | 654 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 4,225 |
| Cost of funding earning assets | 0.2049% | 4,989 |
| Net interest margin | 3.5935% | 3,206 |
| Noninterest income to average assets | 1.7561% | 324 |
| Noninterest expense to average assets | 2.9925% | 2,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7053% | 683 |
| Return on assets (ROA) | 1.7053% | 692 |
| Pretax return on assets | 2.1633% | 403 |
| Return on Equity (ROE) | 19.7292% | 261 |
| Retained earnings to average equity (ytd only) | 6.3625% | 2,560 |
| Net charge-offs to loans | 0.4870% | 312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.3376% | 2,095 |
| Efficiency ratio | 57.0515% | 4,458 |
| Assets per employee ($millions) | 4.4328% | 3,276 |
| Cash dividends to net income (ytd only)* | 67.7508% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9521% | 600 |
| Loan loss allowance to noncurrent loans | 74.6992% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.5598% | 875 |
| Noncurrent loans to loans | 2.6133% | 500 |
| Net loans and leases to total assets | 58.2181% | 3,920 |
| Net loans and leases to deposits | 64.7095% | 4,172 |
| Net loans and leases to core deposits | 69.9929% | 4,081 |
| Total domestic deposits to total assets | 89.9683% | 668 |
| Equity capital to assets | 8.4758% | 4,992 |
| Core capital (leverage) ratio | 8.6488% | 5,021 |
| Tier 1 risk-based capital ratio | 11.7920% | 4,689 |
| Total risk-based capital ratio | 13.0562% | 4,556 |
| Memoranda: | ||
| Average total assets | $1,370,344,500 | 583 |
| Average earning assets | $1,296,447,000 | 564 |
| Average equity | $118,444,000 | 723 |
| Average total loans | $829,527,500 | 665 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 4,362 |
| Cost of funding earning assets | 0.1738% | 5,133 |
| Net interest margin | 3.5159% | 3,478 |
| Noninterest income to average assets | 1.3644% | 563 |
| Noninterest expense to average assets | 3.0793% | 1,923 |
| Loan and lease loss provision to assets | 0.4178% | 342 |
| Net operating income to assets | 0.7872% | 3,220 |
| Return on assets (ROA) | 0.7879% | 3,256 |
| Pretax return on assets | 1.1834% | 2,832 |
| Return on Equity (ROE) | 8.8493% | 2,383 |
| Retained earnings to average equity (ytd only) | 1.2556% | 4,522 |
| Net charge-offs to loans | 0.5180% | 451 |
| Credit loss provision to net charge-offs | 130.1543% | 2,018 |
| Earnings coverage of net charge-offs (x) | 4.9850% | 3,387 |
| Efficiency ratio | 64.6662% | 3,501 |
| Assets per employee ($millions) | 4.2689% | 3,543 |
| Cash dividends to net income (ytd only)* | 85.8108% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0463% | 490 |
| Loan loss allowance to noncurrent loans | 65.8258% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.9269% | 606 |
| Noncurrent loans to loans | 3.1086% | 351 |
| Net loans and leases to total assets | 60.4576% | 3,787 |
| Net loans and leases to deposits | 67.3795% | 4,067 |
| Net loans and leases to core deposits | 72.8172% | 3,986 |
| Total domestic deposits to total assets | 89.7269% | 665 |
| Equity capital to assets | 8.8152% | 4,885 |
| Core capital (leverage) ratio | 8.6204% | 5,026 |
| Tier 1 risk-based capital ratio | 11.6985% | 4,722 |
| Total risk-based capital ratio | 12.9635% | 4,592 |
| Memoranda: | ||
| Average total assets | $1,352,427,800 | 570 |
| Average earning assets | $1,275,112,600 | 553 |
| Average equity | $120,416,000 | 683 |
| Average total loans | $837,988,200 | 623 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6623% | 4,419 |
| Cost of funding earning assets | 0.1711% | 5,189 |
| Net interest margin | 3.4913% | 3,532 |
| Noninterest income to average assets | 1.3082% | 624 |
| Noninterest expense to average assets | 3.1079% | 1,777 |
| Loan and lease loss provision to assets | 0.5571% | 201 |
| Net operating income to assets | 0.7514% | 3,730 |
| Return on assets (ROA) | 0.7553% | 3,777 |
| Pretax return on assets | 0.9380% | 3,910 |
| Return on Equity (ROE) | 8.4617% | 2,901 |
| Retained earnings to average equity (ytd only) | 2.1729% | 4,558 |
| Net charge-offs to loans | 0.7469% | 249 |
| Credit loss provision to net charge-offs | 120.2639% | 2,003 |
| Earnings coverage of net charge-offs (x) | 3.2173% | 3,367 |
| Efficiency ratio | 66.4179% | 3,141 |
| Assets per employee ($millions) | 4.2762% | 3,516 |
| Cash dividends to net income (ytd only)* | 74.3212% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 602 |
| Loan loss allowance to noncurrent loans | 65.2640% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.8947% | 710 |
| Noncurrent loans to loans | 3.0152% | 423 |
| Net loans and leases to total assets | 61.5023% | 3,715 |
| Net loans and leases to deposits | 70.2965% | 3,935 |
| Net loans and leases to core deposits | 76.9738% | 3,728 |
| Total domestic deposits to total assets | 87.4899% | 1,631 |
| Equity capital to assets | 9.0396% | 4,880 |
| Core capital (leverage) ratio | 8.6221% | 5,132 |
| Tier 1 risk-based capital ratio | 11.6511% | 4,852 |
| Total risk-based capital ratio | 12.9146% | 4,736 |
| Memoranda: | ||
| Average total assets | $1,352,225,250 | 569 |
| Average earning assets | $1,274,275,000 | 552 |
| Average equity | $120,697,500 | 682 |
| Average total loans | $838,678,750 | 628 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 4,462 |
| Cost of funding earning assets | 0.1566% | 5,295 |
| Net interest margin | 3.4643% | 3,528 |
| Noninterest income to average assets | 1.2294% | 689 |
| Noninterest expense to average assets | 3.0443% | 1,996 |
| Loan and lease loss provision to assets | 0.8363% | 120 |
| Net operating income to assets | 0.5483% | 4,530 |
| Return on assets (ROA) | 0.5529% | 4,552 |
| Pretax return on assets | 0.6214% | 4,757 |
| Return on Equity (ROE) | 6.2206% | 3,949 |
| Retained earnings to average equity (ytd only) | 3.5009% | 3,623 |
| Net charge-offs to loans | 1.3958% | 133 |
| Credit loss provision to net charge-offs | 96.9791% | 2,072 |
| Earnings coverage of net charge-offs (x) | 1.6843% | 3,258 |
| Efficiency ratio | 66.4834% | 3,268 |
| Assets per employee ($millions) | 4.3577% | 3,331 |
| Cash dividends to net income (ytd only)* | 43.7216% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 793 |
| Loan loss allowance to noncurrent loans | 86.0981% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.3235% | 1,232 |
| Noncurrent loans to loans | 2.1497% | 760 |
| Net loans and leases to total assets | 60.2937% | 3,820 |
| Net loans and leases to deposits | 66.9470% | 4,148 |
| Net loans and leases to core deposits | 72.5576% | 4,050 |
| Total domestic deposits to total assets | 90.0619% | 516 |
| Equity capital to assets | 8.9737% | 4,928 |
| Core capital (leverage) ratio | 8.6443% | 5,095 |
| Tier 1 risk-based capital ratio | 11.7202% | 4,827 |
| Total risk-based capital ratio | 12.9817% | 4,703 |
| Memoranda: | ||
| Average total assets | $1,351,116,670 | 573 |
| Average earning assets | $1,274,388,000 | 555 |
| Average equity | $120,084,670 | 691 |
| Average total loans | $834,761,670 | 632 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6170% | 4,375 |
| Cost of funding earning assets | 0.1518% | 5,359 |
| Net interest margin | 3.4652% | 3,404 |
| Noninterest income to average assets | 1.2618% | 643 |
| Noninterest expense to average assets | 3.0106% | 2,139 |
| Loan and lease loss provision to assets | 0.6637% | 151 |
| Net operating income to assets | 0.6651% | 3,855 |
| Return on assets (ROA) | 0.6739% | 3,857 |
| Pretax return on assets | 0.8553% | 3,916 |
| Return on Equity (ROE) | 7.6196% | 3,107 |
| Retained earnings to average equity (ytd only) | 2.1091% | 4,302 |
| Net charge-offs to loans | 0.0409% | 2,005 |
| Credit loss provision to net charge-offs | 2,616.4706% | 129 |
| Earnings coverage of net charge-offs (x) | 59.4471% | 808 |
| Efficiency ratio | 65.3920% | 3,594 |
| Assets per employee ($millions) | 4.3166% | 3,478 |
| Cash dividends to net income (ytd only)* | 72.3206% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1795% | 490 |
| Loan loss allowance to noncurrent loans | 77.3834% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.7197% | 861 |
| Noncurrent loans to loans | 2.8165% | 508 |
| Net loans and leases to total assets | 59.7266% | 3,813 |
| Net loans and leases to deposits | 66.3615% | 4,140 |
| Net loans and leases to core deposits | 72.0215% | 3,982 |
| Total domestic deposits to total assets | 90.0018% | 654 |
| Equity capital to assets | 8.8809% | 4,926 |
| Core capital (leverage) ratio | 8.6296% | 5,122 |
| Tier 1 risk-based capital ratio | 11.7258% | 4,895 |
| Total risk-based capital ratio | 12.9896% | 4,793 |
| Memoranda: | ||
| Average total assets | $1,340,329,500 | 577 |
| Average earning assets | $1,259,717,500 | 563 |
| Average equity | $118,536,500 | 695 |
| Average total loans | $831,693,500 | 634 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7110% | 4,179 |
| Cost of funding earning assets | 0.1049% | 5,681 |
| Net interest margin | 3.6060% | 3,053 |
| Noninterest income to average assets | 1.4208% | 573 |
| Noninterest expense to average assets | 3.0294% | 2,265 |
| Loan and lease loss provision to assets | 0.5671% | 232 |
| Net operating income to assets | 0.9025% | 2,806 |
| Return on assets (ROA) | 0.9070% | 2,899 |
| Pretax return on assets | 1.2455% | 2,491 |
| Return on Equity (ROE) | 10.0167% | 1,951 |
| Retained earnings to average equity (ytd only) | 0.7585% | 5,019 |
| Net charge-offs to loans | 0.3167% | 867 |
| Credit loss provision to net charge-offs | 283.5481% | 1,032 |
| Earnings coverage of net charge-offs (x) | 9.0326% | 2,797 |
| Efficiency ratio | 61.1798% | 4,385 |
| Assets per employee ($millions) | 3.9002% | 4,142 |
| Cash dividends to net income (ytd only)* | 92.4273% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 843 |
| Loan loss allowance to noncurrent loans | 96.7216% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.2234% | 1,464 |
| Noncurrent loans to loans | 1.9402% | 944 |
| Net loans and leases to total assets | 61.8718% | 3,626 |
| Net loans and leases to deposits | 70.4624% | 3,858 |
| Net loans and leases to core deposits | 78.7563% | 3,503 |
| Total domestic deposits to total assets | 87.8082% | 1,737 |
| Equity capital to assets | 8.8064% | 5,003 |
| Core capital (leverage) ratio | 8.6005% | 5,170 |
| Tier 1 risk-based capital ratio | 11.5703% | 5,008 |
| Total risk-based capital ratio | 12.8312% | 4,909 |
| Memoranda: | ||
| Average total assets | $1,319,102,400 | 559 |
| Average earning assets | $1,249,211,400 | 543 |
| Average equity | $119,440,400 | 665 |
| Average total loans | $832,872,800 | 609 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6978% | 4,256 |
| Cost of funding earning assets | 0.0948% | 5,795 |
| Net interest margin | 3.6030% | 3,064 |
| Noninterest income to average assets | 1.3968% | 609 |
| Noninterest expense to average assets | 3.0866% | 2,064 |
| Loan and lease loss provision to assets | 0.4067% | 355 |
| Net operating income to assets | 0.9657% | 2,587 |
| Return on assets (ROA) | 0.9717% | 2,694 |
| Pretax return on assets | 1.3325% | 2,299 |
| Return on Equity (ROE) | 10.6578% | 1,804 |
| Retained earnings to average equity (ytd only) | -1.6353% | 5,569 |
| Net charge-offs to loans | 0.3988% | 543 |
| Credit loss provision to net charge-offs | 161.4487% | 1,690 |
| Earnings coverage of net charge-offs (x) | 6.8720% | 2,949 |
| Efficiency ratio | 62.5934% | 4,126 |
| Assets per employee ($millions) | 3.8494% | 4,216 |
| Cash dividends to net income (ytd only)* | 115.3437% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 1,846 |
| Loan loss allowance to noncurrent loans | 77.7840% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.2070% | 1,649 |
| Noncurrent loans to loans | 1.9008% | 1,054 |
| Net loans and leases to total assets | 62.5593% | 3,574 |
| Net loans and leases to deposits | 75.6426% | 3,441 |
| Net loans and leases to core deposits | 77.0557% | 3,747 |
| Total domestic deposits to total assets | 82.7038% | 3,710 |
| Equity capital to assets | 9.1287% | 5,044 |
| Core capital (leverage) ratio | 8.3758% | 5,443 |
| Tier 1 risk-based capital ratio | 11.3233% | 5,190 |
| Total risk-based capital ratio | 12.5781% | 5,093 |
| Memoranda: | ||
| Average total assets | $1,315,406,750 | 560 |
| Average earning assets | $1,248,838,750 | 543 |
| Average equity | $119,933,750 | 670 |
| Average total loans | $830,820,250 | 607 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,357 |
| Cost of funding earning assets | 0.0830% | 5,914 |
| Net interest margin | 3.5977% | 3,109 |
| Noninterest income to average assets | 1.4116% | 580 |
| Noninterest expense to average assets | 3.1372% | 1,958 |
| Loan and lease loss provision to assets | 0.2457% | 801 |
| Net operating income to assets | 1.0456% | 2,206 |
| Return on assets (ROA) | 1.0458% | 2,325 |
| Pretax return on assets | 1.4468% | 1,847 |
| Return on Equity (ROE) | 11.4435% | 1,498 |
| Retained earnings to average equity (ytd only) | -7.0083% | 5,819 |
| Net charge-offs to loans | 0.5470% | 384 |
| Credit loss provision to net charge-offs | 71.2517% | 2,468 |
| Earnings coverage of net charge-offs (x) | 4.9080% | 2,926 |
| Efficiency ratio | 63.4828% | 4,106 |
| Assets per employee ($millions) | 3.8473% | 4,171 |
| Cash dividends to net income (ytd only)* | 161.2423% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 3,232 |
| Loan loss allowance to noncurrent loans | 129.4103% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 3,181 |
| Noncurrent loans to loans | 0.9452% | 2,392 |
| Net loans and leases to total assets | 62.4365% | 3,568 |
| Net loans and leases to deposits | 72.7014% | 3,729 |
| Net loans and leases to core deposits | 73.9466% | 3,987 |
| Total domestic deposits to total assets | 85.8807% | 2,474 |
| Equity capital to assets | 8.9234% | 5,298 |
| Core capital (leverage) ratio | 8.3214% | 5,519 |
| Tier 1 risk-based capital ratio | 11.0226% | 5,411 |
| Total risk-based capital ratio | 12.0566% | 5,445 |
| Memoranda: | ||
| Average total assets | $1,311,550,670 | 563 |
| Average earning assets | $1,245,948,670 | 544 |
| Average equity | $119,858,000 | 667 |
| Average total loans | $826,665,000 | 600 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 4,441 |
| Cost of funding earning assets | 0.0823% | 5,980 |
| Net interest margin | 3.5809% | 3,165 |
| Noninterest income to average assets | 1.5911% | 464 |
| Noninterest expense to average assets | 3.1481% | 1,964 |
| Loan and lease loss provision to assets | 0.1539% | 1,369 |
| Net operating income to assets | 1.2073% | 1,527 |
| Return on assets (ROA) | 1.2073% | 1,631 |
| Pretax return on assets | 1.6989% | 1,072 |
| Return on Equity (ROE) | 13.0538% | 1,031 |
| Retained earnings to average equity (ytd only) | -6.8442% | 5,715 |
| Net charge-offs to loans | 0.7475% | 278 |
| Credit loss provision to net charge-offs | 32.7237% | 2,204 |
| Earnings coverage of net charge-offs (x) | 3.9386% | 2,483 |
| Efficiency ratio | 61.5115% | 4,523 |
| Assets per employee ($millions) | 3.7243% | 4,426 |
| Cash dividends to net income (ytd only)* | 152.4306% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 3,419 |
| Loan loss allowance to noncurrent loans | 233.9155% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 4,255 |
| Noncurrent loans to loans | 0.5176% | 3,635 |
| Net loans and leases to total assets | 62.5794% | 3,445 |
| Net loans and leases to deposits | 69.9924% | 3,860 |
| Net loans and leases to core deposits | 70.5789% | 4,192 |
| Total domestic deposits to total assets | 89.4089% | 884 |
| Equity capital to assets | 9.3081% | 4,881 |
| Core capital (leverage) ratio | 8.5432% | 5,352 |
| Tier 1 risk-based capital ratio | 12.1834% | 4,787 |
| Total risk-based capital ratio | 13.2651% | 4,824 |
| Memoranda: | ||
| Average total assets | $1,301,748,000 | 566 |
| Average earning assets | $1,239,590,500 | 546 |
| Average equity | $120,394,500 | 667 |
| Average total loans | $819,288,000 | 602 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 4,612 |
| Cost of funding earning assets | 0.0802% | 6,032 |
| Net interest margin | 3.5429% | 3,359 |
| Noninterest income to average assets | 1.4036% | 615 |
| Noninterest expense to average assets | 3.0402% | 2,414 |
| Loan and lease loss provision to assets | 0.2249% | 909 |
| Net operating income to assets | 1.1012% | 1,923 |
| Return on assets (ROA) | 1.1077% | 1,951 |
| Pretax return on assets | 1.4939% | 1,575 |
| Return on Equity (ROE) | 12.3886% | 1,211 |
| Retained earnings to average equity (ytd only) | 3.4610% | 3,594 |
| Net charge-offs to loans | 0.0114% | 4,076 |
| Credit loss provision to net charge-offs | 3,355.0562% | 114 |
| Earnings coverage of net charge-offs (x) | 255.1348% | 278 |
| Efficiency ratio | 62.2265% | 4,567 |
| Assets per employee ($millions) | 3.8677% | 4,182 |
| Cash dividends to net income (ytd only)* | 72.0628% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 2,734 |
| Loan loss allowance to noncurrent loans | 188.7030% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 3,847 |
| Noncurrent loans to loans | 0.7071% | 3,070 |
| Net loans and leases to total assets | 61.7001% | 3,603 |
| Net loans and leases to deposits | 70.2130% | 3,897 |
| Net loans and leases to core deposits | 71.2173% | 4,200 |
| Total domestic deposits to total assets | 87.8757% | 1,699 |
| Equity capital to assets | 9.1901% | 4,923 |
| Core capital (leverage) ratio | 8.6663% | 5,254 |
| Tier 1 risk-based capital ratio | 12.3099% | 4,761 |
| Total risk-based capital ratio | 13.4838% | 4,707 |
| Memoranda: | ||
| Average total assets | $1,327,846,600 | 540 |
| Average earning assets | $1,254,300,200 | 522 |
| Average equity | $118,721,600 | 643 |
| Average total loans | $779,598,400 | 596 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5982% | 4,746 |
| Cost of funding earning assets | 0.0786% | 6,126 |
| Net interest margin | 3.5196% | 3,468 |
| Noninterest income to average assets | 1.3874% | 642 |
| Noninterest expense to average assets | 2.9729% | 2,603 |
| Loan and lease loss provision to assets | 0.2532% | 672 |
| Net operating income to assets | 1.0707% | 2,128 |
| Return on assets (ROA) | 1.0741% | 2,207 |
| Pretax return on assets | 1.4880% | 1,713 |
| Return on Equity (ROE) | 12.0966% | 1,348 |
| Retained earnings to average equity (ytd only) | 3.8361% | 3,742 |
| Net charge-offs to loans | -0.0340% | 5,402 |
| Credit loss provision to net charge-offs | -1,290.8163% | 5,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5818% | 4,633 |
| Assets per employee ($millions) | 3.9510% | 3,974 |
| Cash dividends to net income (ytd only)* | 68.2881% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 2,990 |
| Loan loss allowance to noncurrent loans | 347.9483% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 4,831 |
| Noncurrent loans to loans | 0.3795% | 4,249 |
| Net loans and leases to total assets | 60.4379% | 3,820 |
| Net loans and leases to deposits | 72.4326% | 3,716 |
| Net loans and leases to core deposits | 73.3812% | 4,068 |
| Total domestic deposits to total assets | 83.4402% | 3,635 |
| Equity capital to assets | 9.0590% | 5,260 |
| Core capital (leverage) ratio | 8.4719% | 5,570 |
| Tier 1 risk-based capital ratio | 12.5946% | 4,686 |
| Total risk-based capital ratio | 13.7854% | 4,637 |
| Memoranda: | ||
| Average total assets | $1,332,020,500 | 537 |
| Average earning assets | $1,257,177,500 | 524 |
| Average equity | $118,278,000 | 652 |
| Average total loans | $769,517,250 | 607 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 4,917 |
| Cost of funding earning assets | 0.0736% | 6,213 |
| Net interest margin | 3.4547% | 3,685 |
| Noninterest income to average assets | 1.3846% | 652 |
| Noninterest expense to average assets | 2.9547% | 2,696 |
| Loan and lease loss provision to assets | 0.1937% | 1,027 |
| Net operating income to assets | 1.0778% | 2,019 |
| Return on assets (ROA) | 1.0814% | 2,113 |
| Pretax return on assets | 1.4959% | 1,657 |
| Return on Equity (ROE) | 12.2607% | 1,295 |
| Retained earnings to average equity (ytd only) | 2.1294% | 4,643 |
| Net charge-offs to loans | -0.0517% | 5,561 |
| Credit loss provision to net charge-offs | -661.5385% | 5,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1190% | 4,663 |
| Assets per employee ($millions) | 4.0192% | 3,842 |
| Cash dividends to net income (ytd only)* | 82.6322% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 3,814 |
| Loan loss allowance to noncurrent loans | 614.7742% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 5,397 |
| Noncurrent loans to loans | 0.1946% | 4,996 |
| Net loans and leases to total assets | 58.7967% | 4,004 |
| Net loans and leases to deposits | 69.5338% | 3,980 |
| Net loans and leases to core deposits | 70.3699% | 4,292 |
| Total domestic deposits to total assets | 84.5584% | 3,314 |
| Equity capital to assets | 8.7234% | 5,505 |
| Core capital (leverage) ratio | 8.3432% | 5,679 |
| Tier 1 risk-based capital ratio | 12.5225% | 4,787 |
| Total risk-based capital ratio | 13.5921% | 4,810 |
| Memoranda: | ||
| Average total assets | $1,332,196,670 | 531 |
| Average earning assets | $1,255,048,670 | 521 |
| Average equity | $117,497,330 | 659 |
| Average total loans | $754,191,330 | 621 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4515% | 5,084 |
| Cost of funding earning assets | 0.0653% | 6,311 |
| Net interest margin | 3.3862% | 3,901 |
| Noninterest income to average assets | 1.5654% | 501 |
| Noninterest expense to average assets | 2.9710% | 2,669 |
| Loan and lease loss provision to assets | 0.2162% | 823 |
| Net operating income to assets | 1.1213% | 1,796 |
| Return on assets (ROA) | 1.1263% | 1,874 |
| Pretax return on assets | 1.5756% | 1,332 |
| Return on Equity (ROE) | 12.8708% | 1,126 |
| Retained earnings to average equity (ytd only) | 4.7867% | 3,181 |
| Net charge-offs to loans | -0.0446% | 5,461 |
| Credit loss provision to net charge-offs | -874.3590% | 4,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1307% | 4,944 |
| Assets per employee ($millions) | 4.0430% | 3,873 |
| Cash dividends to net income (ytd only)* | 62.8097% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2048% | 3,956 |
| Loan loss allowance to noncurrent loans | 389.1594% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 5,279 |
| Noncurrent loans to loans | 0.3096% | 4,684 |
| Net loans and leases to total assets | 53.6995% | 4,484 |
| Net loans and leases to deposits | 59.5422% | 4,776 |
| Net loans and leases to core deposits | 60.1632% | 4,985 |
| Total domestic deposits to total assets | 90.1874% | 656 |
| Equity capital to assets | 8.6659% | 5,601 |
| Core capital (leverage) ratio | 8.5322% | 5,494 |
| Tier 1 risk-based capital ratio | 12.8359% | 4,701 |
| Total risk-based capital ratio | 13.8755% | 4,745 |
| Memoranda: | ||
| Average total assets | $1,261,518,500 | 559 |
| Average earning assets | $1,188,588,500 | 545 |
| Average equity | $110,389,000 | 697 |
| Average total loans | $699,034,500 | 660 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6186% | 5,033 |
| Cost of funding earning assets | 0.0660% | 6,409 |
| Net interest margin | 3.5526% | 3,591 |
| Noninterest income to average assets | 1.4207% | 602 |
| Noninterest expense to average assets | 3.0673% | 2,633 |
| Loan and lease loss provision to assets | 0.0966% | 2,540 |
| Net operating income to assets | 1.1474% | 1,785 |
| Return on assets (ROA) | 1.1508% | 1,836 |
| Pretax return on assets | 1.5935% | 1,256 |
| Return on Equity (ROE) | 13.4524% | 1,052 |
| Retained earnings to average equity (ytd only) | 12.9168% | 231 |
| Net charge-offs to loans | -0.0054% | 5,472 |
| Credit loss provision to net charge-offs | -3,271.4286% | 6,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7730% | 4,788 |
| Assets per employee ($millions) | 3.8415% | 4,265 |
| Cash dividends to net income (ytd only)* | 3.9815% | 4,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 4,492 |
| Loan loss allowance to noncurrent loans | 782.2515% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 5,708 |
| Noncurrent loans to loans | 0.1419% | 5,326 |
| Net loans and leases to total assets | 55.8979% | 4,352 |
| Net loans and leases to deposits | 64.6601% | 4,457 |
| Net loans and leases to core deposits | 64.9470% | 4,760 |
| Total domestic deposits to total assets | 86.4490% | 2,599 |
| Equity capital to assets | 8.8395% | 5,438 |
| Core capital (leverage) ratio | 8.1819% | 5,867 |
| Tier 1 risk-based capital ratio | 12.5804% | 4,990 |
| Total risk-based capital ratio | 13.5511% | 5,068 |
| Memoranda: | ||
| Average total assets | $1,185,060,600 | 572 |
| Average earning assets | $1,111,466,800 | 554 |
| Average equity | $101,379,400 | 722 |
| Average total loans | $645,280,800 | 672 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5981% | 5,143 |
| Cost of funding earning assets | 0.0666% | 6,490 |
| Net interest margin | 3.5315% | 3,709 |
| Noninterest income to average assets | 1.4604% | 588 |
| Noninterest expense to average assets | 3.0833% | 2,515 |
| Loan and lease loss provision to assets | 0.1068% | 2,259 |
| Net operating income to assets | 1.1398% | 1,901 |
| Return on assets (ROA) | 1.1461% | 1,939 |
| Pretax return on assets | 1.5927% | 1,347 |
| Return on Equity (ROE) | 13.5153% | 1,090 |
| Retained earnings to average equity (ytd only) | 13.5153% | 280 |
| Net charge-offs to loans | -0.0244% | 5,669 |
| Credit loss provision to net charge-offs | -810.3448% | 5,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8128% | 4,761 |
| Assets per employee ($millions) | 3.8199% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 4,646 |
| Loan loss allowance to noncurrent loans | 567.5393% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 5,723 |
| Noncurrent loans to loans | 0.1980% | 5,313 |
| Net loans and leases to total assets | 54.7890% | 4,486 |
| Net loans and leases to deposits | 62.9174% | 4,653 |
| Net loans and leases to core deposits | 63.1882% | 4,950 |
| Total domestic deposits to total assets | 87.0810% | 2,274 |
| Equity capital to assets | 8.6721% | 5,662 |
| Core capital (leverage) ratio | 8.0450% | 6,035 |
| Tier 1 risk-based capital ratio | 12.4923% | 5,173 |
| Total risk-based capital ratio | 13.4715% | 5,266 |
| Memoranda: | ||
| Average total assets | $1,174,004,500 | 576 |
| Average earning assets | $1,101,549,750 | 555 |
| Average equity | $99,558,500 | 735 |
| Average total loans | $632,886,500 | 685 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 5,286 |
| Cost of funding earning assets | 0.0648% | 6,560 |
| Net interest margin | 3.4862% | 3,836 |
| Noninterest income to average assets | 1.4034% | 614 |
| Noninterest expense to average assets | 3.1305% | 2,393 |
| Loan and lease loss provision to assets | 0.1082% | 2,208 |
| Net operating income to assets | 1.0454% | 2,137 |
| Return on assets (ROA) | 1.0454% | 2,202 |
| Pretax return on assets | 1.4335% | 1,770 |
| Return on Equity (ROE) | 12.4261% | 1,326 |
| Retained earnings to average equity (ytd only) | 12.4261% | 382 |
| Net charge-offs to loans | -0.0078% | 5,265 |
| Credit loss provision to net charge-offs | -2,612.5000% | 5,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1686% | 4,490 |
| Assets per employee ($millions) | 3.7139% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 4,829 |
| Loan loss allowance to noncurrent loans | 591.2757% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 5,845 |
| Noncurrent loans to loans | 0.1889% | 5,445 |
| Net loans and leases to total assets | 53.6934% | 4,576 |
| Net loans and leases to deposits | 60.9266% | 4,789 |
| Net loans and leases to core deposits | 61.1913% | 5,037 |
| Total domestic deposits to total assets | 88.1279% | 1,832 |
| Equity capital to assets | 8.5633% | 5,748 |
| Core capital (leverage) ratio | 7.9723% | 6,118 |
| Tier 1 risk-based capital ratio | 12.5457% | 5,200 |
| Total risk-based capital ratio | 13.5196% | 5,296 |
| Memoranda: | ||
| Average total assets | $1,159,161,330 | 578 |
| Average earning assets | $1,086,871,330 | 560 |
| Average equity | $97,520,670 | 750 |
| Average total loans | $618,778,330 | 694 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4722% | 5,498 |
| Cost of funding earning assets | 0.0673% | 6,632 |
| Net interest margin | 3.4049% | 4,095 |
| Noninterest income to average assets | 1.4899% | 525 |
| Noninterest expense to average assets | 3.1054% | 2,513 |
| Loan and lease loss provision to assets | 0.0792% | 2,563 |
| Net operating income to assets | 1.0654% | 1,948 |
| Return on assets (ROA) | 1.0649% | 2,022 |
| Pretax return on assets | 1.4976% | 1,433 |
| Return on Equity (ROE) | 12.7760% | 1,217 |
| Retained earnings to average equity (ytd only) | 12.7760% | 517 |
| Net charge-offs to loans | -0.0066% | 4,892 |
| Credit loss provision to net charge-offs | -2,270.0000% | 5,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4273% | 4,621 |
| Assets per employee ($millions) | 3.6475% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 5,036 |
| Loan loss allowance to noncurrent loans | 450.7989% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 5,852 |
| Noncurrent loans to loans | 0.2481% | 5,361 |
| Net loans and leases to total assets | 51.4482% | 4,732 |
| Net loans and leases to deposits | 56.7641% | 5,050 |
| Net loans and leases to core deposits | 57.0677% | 5,274 |
| Total domestic deposits to total assets | 90.6351% | 723 |
| Equity capital to assets | 8.3608% | 5,775 |
| Core capital (leverage) ratio | 7.9288% | 6,160 |
| Tier 1 risk-based capital ratio | 12.7712% | 5,143 |
| Total risk-based capital ratio | 13.7401% | 5,259 |
| Memoranda: | ||
| Average total assets | $1,146,373,000 | 587 |
| Average earning assets | $1,075,054,000 | 573 |
| Average equity | $95,554,500 | 765 |
| Average total loans | $606,512,500 | 714 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 4,785 |
| Cost of funding earning assets | 0.0937% | 6,690 |
| Net interest margin | 3.7154% | 2,996 |
| Noninterest income to average assets | 1.6024% | 558 |
| Noninterest expense to average assets | 3.2371% | 2,318 |
| Loan and lease loss provision to assets | 0.1142% | 2,904 |
| Net operating income to assets | 1.2593% | 1,367 |
| Return on assets (ROA) | 1.2649% | 1,404 |
| Pretax return on assets | 1.7395% | 875 |
| Return on Equity (ROE) | 14.3637% | 876 |
| Retained earnings to average equity (ytd only) | 11.1739% | 400 |
| Net charge-offs to loans | 0.1512% | 3,290 |
| Credit loss provision to net charge-offs | 136.2369% | 1,723 |
| Earnings coverage of net charge-offs (x) | 22.0197% | 1,470 |
| Efficiency ratio | 62.1734% | 5,186 |
| Assets per employee ($millions) | 3.7640% | 4,338 |
| Cash dividends to net income (ytd only)* | 22.2077% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 5,258 |
| Loan loss allowance to noncurrent loans | 357.1350% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 5,820 |
| Noncurrent loans to loans | 0.3010% | 5,284 |
| Net loans and leases to total assets | 53.2322% | 4,691 |
| Net loans and leases to deposits | 58.5965% | 5,066 |
| Net loans and leases to core deposits | 58.8888% | 5,317 |
| Total domestic deposits to total assets | 90.8455% | 642 |
| Equity capital to assets | 8.3092% | 5,771 |
| Core capital (leverage) ratio | 7.9816% | 6,148 |
| Tier 1 risk-based capital ratio | 12.3712% | 5,380 |
| Total risk-based capital ratio | 13.3139% | 5,516 |
| Memoranda: | ||
| Average total assets | $1,026,999,200 | 639 |
| Average earning assets | $962,140,200 | 617 |
| Average equity | $90,443,200 | 779 |
| Average total loans | $569,595,400 | 738 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 4,746 |
| Cost of funding earning assets | 0.0998% | 6,763 |
| Net interest margin | 3.7261% | 2,935 |
| Noninterest income to average assets | 1.6267% | 551 |
| Noninterest expense to average assets | 3.2181% | 2,309 |
| Loan and lease loss provision to assets | 0.1086% | 2,950 |
| Net operating income to assets | 1.2848% | 1,388 |
| Return on assets (ROA) | 1.2894% | 1,444 |
| Pretax return on assets | 1.8047% | 899 |
| Return on Equity (ROE) | 14.4123% | 906 |
| Retained earnings to average equity (ytd only) | 11.6936% | 471 |
| Net charge-offs to loans | 0.0726% | 3,902 |
| Credit loss provision to net charge-offs | 267.5410% | 937 |
| Earnings coverage of net charge-offs (x) | 46.9570% | 902 |
| Efficiency ratio | 61.3904% | 5,216 |
| Assets per employee ($millions) | 3.4523% | 4,948 |
| Cash dividends to net income (ytd only)* | 18.8642% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 5,114 |
| Loan loss allowance to noncurrent loans | 268.9972% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 5,690 |
| Noncurrent loans to loans | 0.4280% | 5,131 |
| Net loans and leases to total assets | 57.1465% | 4,152 |
| Net loans and leases to deposits | 63.6119% | 4,555 |
| Net loans and leases to core deposits | 63.9152% | 4,912 |
| Total domestic deposits to total assets | 89.8362% | 1,090 |
| Equity capital to assets | 9.0547% | 5,116 |
| Core capital (leverage) ratio | 8.6493% | 5,600 |
| Tier 1 risk-based capital ratio | 12.8791% | 5,202 |
| Total risk-based capital ratio | 13.9085% | 5,296 |
| Memoranda: | ||
| Average total assets | $1,001,446,750 | 658 |
| Average earning assets | $940,183,000 | 635 |
| Average equity | $89,597,000 | 794 |
| Average total loans | $560,085,500 | 746 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7690% | 4,932 |
| Cost of funding earning assets | 0.1052% | 6,812 |
| Net interest margin | 3.6638% | 3,114 |
| Noninterest income to average assets | 1.5947% | 623 |
| Noninterest expense to average assets | 3.1779% | 2,412 |
| Loan and lease loss provision to assets | 0.1040% | 3,061 |
| Net operating income to assets | 1.2291% | 1,518 |
| Return on assets (ROA) | 1.2360% | 1,595 |
| Pretax return on assets | 1.7648% | 988 |
| Return on Equity (ROE) | 13.8712% | 1,037 |
| Retained earnings to average equity (ytd only) | 9.7625% | 898 |
| Net charge-offs to loans | 0.0986% | 3,377 |
| Credit loss provision to net charge-offs | 190.8088% | 1,246 |
| Earnings coverage of net charge-offs (x) | 34.1066% | 1,041 |
| Efficiency ratio | 61.6645% | 5,219 |
| Assets per employee ($millions) | 3.3621% | 5,149 |
| Cash dividends to net income (ytd only)* | 29.6206% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 5,257 |
| Loan loss allowance to noncurrent loans | 237.2340% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 5,572 |
| Noncurrent loans to loans | 0.4834% | 5,056 |
| Net loans and leases to total assets | 57.1700% | 4,113 |
| Net loans and leases to deposits | 64.5539% | 4,430 |
| Net loans and leases to core deposits | 65.0003% | 4,791 |
| Total domestic deposits to total assets | 88.5616% | 1,881 |
| Equity capital to assets | 9.0265% | 5,191 |
| Core capital (leverage) ratio | 8.4201% | 5,752 |
| Tier 1 risk-based capital ratio | 13.1725% | 5,017 |
| Total risk-based capital ratio | 14.1976% | 5,117 |
| Memoranda: | ||
| Average total assets | $998,086,670 | 660 |
| Average earning assets | $937,706,330 | 639 |
| Average equity | $88,932,330 | 797 |
| Average total loans | $551,852,330 | 751 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6858% | 5,215 |
| Cost of funding earning assets | 0.1082% | 6,892 |
| Net interest margin | 3.5775% | 3,352 |
| Noninterest income to average assets | 1.7432% | 525 |
| Noninterest expense to average assets | 3.1223% | 2,610 |
| Loan and lease loss provision to assets | 0.0876% | 3,205 |
| Net operating income to assets | 1.3192% | 1,233 |
| Return on assets (ROA) | 1.3233% | 1,323 |
| Pretax return on assets | 1.9049% | 727 |
| Return on Equity (ROE) | 14.9451% | 781 |
| Retained earnings to average equity (ytd only) | 6.7700% | 2,268 |
| Net charge-offs to loans | -0.0117% | 5,497 |
| Credit loss provision to net charge-offs | -1,381.2500% | 5,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7208% | 5,626 |
| Assets per employee ($millions) | 3.5598% | 4,863 |
| Cash dividends to net income (ytd only)* | 54.7006% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 5,239 |
| Loan loss allowance to noncurrent loans | 391.8083% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 6,050 |
| Noncurrent loans to loans | 0.3027% | 5,642 |
| Net loans and leases to total assets | 52.2884% | 4,667 |
| Net loans and leases to deposits | 58.1813% | 5,007 |
| Net loans and leases to core deposits | 58.5315% | 5,291 |
| Total domestic deposits to total assets | 89.8715% | 1,126 |
| Equity capital to assets | 8.7472% | 5,765 |
| Core capital (leverage) ratio | 8.0479% | 6,099 |
| Tier 1 risk-based capital ratio | 12.8371% | 5,349 |
| Total risk-based capital ratio | 13.8724% | 5,449 |
| Memoranda: | ||
| Average total assets | $1,009,625,500 | 662 |
| Average earning assets | $949,814,500 | 637 |
| Average equity | $89,394,000 | 797 |
| Average total loans | $545,838,500 | 764 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 5,317 |
| Cost of funding earning assets | 0.1663% | 6,891 |
| Net interest margin | 3.8302% | 3,101 |
| Noninterest income to average assets | 1.5330% | 670 |
| Noninterest expense to average assets | 3.1588% | 2,738 |
| Loan and lease loss provision to assets | 0.1132% | 4,225 |
| Net operating income to assets | 1.3269% | 1,242 |
| Return on assets (ROA) | 1.3267% | 1,367 |
| Pretax return on assets | 1.8641% | 804 |
| Return on Equity (ROE) | 14.6121% | 890 |
| Retained earnings to average equity (ytd only) | 6.9745% | 1,580 |
| Net charge-offs to loans | 0.0569% | 5,128 |
| Credit loss provision to net charge-offs | 376.4912% | 647 |
| Earnings coverage of net charge-offs (x) | 65.7965% | 547 |
| Efficiency ratio | 60.0304% | 5,535 |
| Assets per employee ($millions) | 3.6281% | 4,714 |
| Cash dividends to net income (ytd only)* | 52.2693% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 5,403 |
| Loan loss allowance to noncurrent loans | 287.0789% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 5,971 |
| Noncurrent loans to loans | 0.3960% | 5,504 |
| Net loans and leases to total assets | 54.6271% | 4,524 |
| Net loans and leases to deposits | 61.0047% | 4,912 |
| Net loans and leases to core deposits | 61.3696% | 5,224 |
| Total domestic deposits to total assets | 89.5458% | 1,222 |
| Equity capital to assets | 8.9653% | 5,560 |
| Core capital (leverage) ratio | 8.1900% | 6,008 |
| Tier 1 risk-based capital ratio | 12.6607% | 5,356 |
| Total risk-based capital ratio | 13.6659% | 5,483 |
| Memoranda: | ||
| Average total assets | $948,292,200 | 695 |
| Average earning assets | $892,130,600 | 664 |
| Average equity | $86,099,800 | 809 |
| Average total loans | $500,672,000 | 827 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9869% | 5,551 |
| Cost of funding earning assets | 0.1808% | 6,987 |
| Net interest margin | 3.8061% | 3,317 |
| Noninterest income to average assets | 1.4596% | 701 |
| Noninterest expense to average assets | 3.0031% | 3,216 |
| Loan and lease loss provision to assets | 0.0761% | 4,692 |
| Net operating income to assets | 1.4152% | 1,192 |
| Return on assets (ROA) | 1.4150% | 1,305 |
| Pretax return on assets | 1.9685% | 751 |
| Return on Equity (ROE) | 15.5329% | 814 |
| Retained earnings to average equity (ytd only) | 10.4136% | 810 |
| Net charge-offs to loans | 0.0842% | 4,546 |
| Credit loss provision to net charge-offs | 173.1392% | 1,610 |
| Earnings coverage of net charge-offs (x) | 46.5437% | 790 |
| Efficiency ratio | 57.9822% | 5,794 |
| Assets per employee ($millions) | 3.5083% | 4,966 |
| Cash dividends to net income (ytd only)* | 32.9582% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 5,790 |
| Loan loss allowance to noncurrent loans | 148.8819% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 5,653 |
| Noncurrent loans to loans | 0.7267% | 4,974 |
| Net loans and leases to total assets | 54.4214% | 4,686 |
| Net loans and leases to deposits | 61.1415% | 5,067 |
| Net loans and leases to core deposits | 61.5234% | 5,400 |
| Total domestic deposits to total assets | 89.0090% | 1,417 |
| Equity capital to assets | 9.4858% | 5,222 |
| Core capital (leverage) ratio | 8.3466% | 5,950 |
| Tier 1 risk-based capital ratio | 13.3151% | 5,011 |
| Total risk-based capital ratio | 14.2689% | 5,193 |
| Memoranda: | ||
| Average total assets | $937,747,500 | 707 |
| Average earning assets | $884,102,750 | 676 |
| Average equity | $85,425,000 | 820 |
| Average total loans | $489,018,250 | 848 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 5,788 |
| Cost of funding earning assets | 0.2021% | 7,029 |
| Net interest margin | 3.7451% | 3,614 |
| Noninterest income to average assets | 1.3957% | 739 |
| Noninterest expense to average assets | 2.9942% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3530% | 1,307 |
| Return on assets (ROA) | 1.3522% | 1,458 |
| Pretax return on assets | 1.9299% | 804 |
| Return on Equity (ROE) | 15.0553% | 931 |
| Retained earnings to average equity (ytd only) | 9.0914% | 1,242 |
| Net charge-offs to loans | 0.0084% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 450.6000% | 87 |
| Efficiency ratio | 59.2361% | 5,704 |
| Assets per employee ($millions) | 3.5442% | 4,883 |
| Cash dividends to net income (ytd only)* | 39.6134% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 5,874 |
| Loan loss allowance to noncurrent loans | 190.2636% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 5,971 |
| Noncurrent loans to loans | 0.5663% | 5,374 |
| Net loans and leases to total assets | 52.7108% | 5,004 |
| Net loans and leases to deposits | 58.8829% | 5,357 |
| Net loans and leases to core deposits | 59.3334% | 5,664 |
| Total domestic deposits to total assets | 89.5180% | 1,210 |
| Equity capital to assets | 9.1927% | 5,471 |
| Core capital (leverage) ratio | 8.0826% | 6,181 |
| Tier 1 risk-based capital ratio | 13.1946% | 5,040 |
| Total risk-based capital ratio | 14.1516% | 5,232 |
| Memoranda: | ||
| Average total assets | $933,412,000 | 712 |
| Average earning assets | $879,649,000 | 680 |
| Average equity | $83,837,670 | 828 |
| Average total loans | $477,666,670 | 865 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 5,964 |
| Cost of funding earning assets | 0.2290% | 7,058 |
| Net interest margin | 3.6944% | 3,860 |
| Noninterest income to average assets | 1.4402% | 696 |
| Noninterest expense to average assets | 3.0463% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3180% | 1,411 |
| Return on assets (ROA) | 1.3162% | 1,581 |
| Pretax return on assets | 1.8718% | 931 |
| Return on Equity (ROE) | 14.8307% | 1,007 |
| Retained earnings to average equity (ytd only) | 2.6983% | 4,909 |
| Net charge-offs to loans | 0.0077% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 483.5556% | 52 |
| Efficiency ratio | 60.3414% | 5,571 |
| Assets per employee ($millions) | 3.6818% | 4,700 |
| Cash dividends to net income (ytd only)* | 81.8063% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 5,639 |
| Loan loss allowance to noncurrent loans | 190.6854% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 6,109 |
| Noncurrent loans to loans | 0.6138% | 5,431 |
| Net loans and leases to total assets | 47.6726% | 5,603 |
| Net loans and leases to deposits | 53.1843% | 5,888 |
| Net loans and leases to core deposits | 53.6813% | 6,078 |
| Total domestic deposits to total assets | 89.6366% | 1,279 |
| Equity capital to assets | 8.5813% | 6,009 |
| Core capital (leverage) ratio | 7.9335% | 6,310 |
| Tier 1 risk-based capital ratio | 13.1318% | 5,108 |
| Total risk-based capital ratio | 14.1310% | 5,278 |
| Memoranda: | ||
| Average total assets | $928,734,500 | 715 |
| Average earning assets | $874,947,500 | 687 |
| Average equity | $82,423,500 | 841 |
| Average total loans | $465,323,500 | 884 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6781% | 4,338 |
| Cost of funding earning assets | 0.3723% | 6,959 |
| Net interest margin | 4.3058% | 1,682 |
| Noninterest income to average assets | 1.5943% | 530 |
| Noninterest expense to average assets | 3.5868% | 1,768 |
| Loan and lease loss provision to assets | -0.3001% | 7,317 |
| Net operating income to assets | 1.5155% | 797 |
| Return on assets (ROA) | 1.5132% | 867 |
| Pretax return on assets | 2.2230% | 351 |
| Return on Equity (ROE) | 16.1562% | 580 |
| Retained earnings to average equity (ytd only) | 12.7018% | 250 |
| Net charge-offs to loans | -0.5627% | 7,284 |
| Credit loss provision to net charge-offs | 92.9561% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3591% | 5,402 |
| Assets per employee ($millions) | 3.4219% | 5,198 |
| Cash dividends to net income (ytd only)* | 21.3811% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 5,565 |
| Loan loss allowance to noncurrent loans | 185.2079% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 6,116 |
| Noncurrent loans to loans | 0.6281% | 5,460 |
| Net loans and leases to total assets | 51.4967% | 5,388 |
| Net loans and leases to deposits | 57.7423% | 5,720 |
| Net loans and leases to core deposits | 59.1822% | 5,915 |
| Total domestic deposits to total assets | 89.1837% | 1,433 |
| Equity capital to assets | 9.1894% | 5,307 |
| Core capital (leverage) ratio | 8.4662% | 5,616 |
| Tier 1 risk-based capital ratio | 13.2189% | 4,898 |
| Total risk-based capital ratio | 14.2356% | 5,060 |
| Memoranda: | ||
| Average total assets | $804,845,800 | 817 |
| Average earning assets | $732,492,600 | 810 |
| Average equity | $75,382,800 | 889 |
| Average total loans | $461,728,600 | 904 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 2,634 |
| Cost of funding earning assets | 0.3777% | 7,069 |
| Net interest margin | 4.7159% | 738 |
| Noninterest income to average assets | 2.0428% | 365 |
| Noninterest expense to average assets | 4.0360% | 966 |
| Loan and lease loss provision to assets | 0.1221% | 4,908 |
| Net operating income to assets | 1.4891% | 959 |
| Return on assets (ROA) | 1.4830% | 1,056 |
| Pretax return on assets | 2.2559% | 391 |
| Return on Equity (ROE) | 15.5039% | 745 |
| Retained earnings to average equity (ytd only) | 12.4664% | 440 |
| Net charge-offs to loans | 0.0252% | 5,789 |
| Credit loss provision to net charge-offs | 732.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 143.0631% | 265 |
| Efficiency ratio | 60.7184% | 5,604 |
| Assets per employee ($millions) | 2.7168% | 6,629 |
| Cash dividends to net income (ytd only)* | 19.5920% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 5,291 |
| Loan loss allowance to noncurrent loans | 862.3946% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 6,808 |
| Noncurrent loans to loans | 0.1441% | 6,586 |
| Net loans and leases to total assets | 64.2229% | 3,264 |
| Net loans and leases to deposits | 72.6963% | 3,850 |
| Net loans and leases to core deposits | 74.7609% | 4,345 |
| Total domestic deposits to total assets | 88.3441% | 1,848 |
| Equity capital to assets | 9.7649% | 4,677 |
| Core capital (leverage) ratio | 9.0627% | 4,836 |
| Tier 1 risk-based capital ratio | 12.2268% | 5,724 |
| Total risk-based capital ratio | 13.3872% | 5,782 |
| Memoranda: | ||
| Average total assets | $599,295,000 | 1,102 |
| Average earning assets | $556,653,500 | 1,075 |
| Average equity | $57,326,000 | 1,184 |
| Average total loans | $397,361,250 | 1,082 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 2,578 |
| Cost of funding earning assets | 0.4082% | 7,108 |
| Net interest margin | 4.7143% | 702 |
| Noninterest income to average assets | 1.9406% | 377 |
| Noninterest expense to average assets | 4.0697% | 946 |
| Loan and lease loss provision to assets | 0.1269% | 4,705 |
| Net operating income to assets | 1.3958% | 1,090 |
| Return on assets (ROA) | 1.3873% | 1,178 |
| Pretax return on assets | 2.1070% | 484 |
| Return on Equity (ROE) | 14.6122% | 872 |
| Retained earnings to average equity (ytd only) | 9.9337% | 858 |
| Net charge-offs to loans | 0.0540% | 5,107 |
| Credit loss provision to net charge-offs | 351.8868% | 876 |
| Earnings coverage of net charge-offs (x) | 62.3208% | 529 |
| Efficiency ratio | 62.2496% | 5,552 |
| Assets per employee ($millions) | 2.5647% | 6,840 |
| Cash dividends to net income (ytd only)* | 32.0177% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 5,489 |
| Loan loss allowance to noncurrent loans | 291.0439% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 6,417 |
| Noncurrent loans to loans | 0.4172% | 6,069 |
| Net loans and leases to total assets | 67.3780% | 2,743 |
| Net loans and leases to deposits | 76.4904% | 3,379 |
| Net loans and leases to core deposits | 79.0786% | 3,916 |
| Total domestic deposits to total assets | 88.0868% | 2,091 |
| Equity capital to assets | 9.8626% | 4,316 |
| Core capital (leverage) ratio | 8.8144% | 5,020 |
| Tier 1 risk-based capital ratio | 12.0258% | 5,768 |
| Total risk-based capital ratio | 13.1809% | 5,820 |
| Memoranda: | ||
| Average total assets | $588,053,330 | 1,135 |
| Average earning assets | $545,826,330 | 1,107 |
| Average equity | $55,830,000 | 1,198 |
| Average total loans | $392,595,670 | 1,104 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 2,653 |
| Cost of funding earning assets | 0.4284% | 7,165 |
| Net interest margin | 4.6710% | 750 |
| Noninterest income to average assets | 1.9568% | 364 |
| Noninterest expense to average assets | 4.1150% | 903 |
| Loan and lease loss provision to assets | 0.1946% | 3,682 |
| Net operating income to assets | 1.2989% | 1,269 |
| Return on assets (ROA) | 1.2795% | 1,372 |
| Pretax return on assets | 1.9281% | 642 |
| Return on Equity (ROE) | 13.7466% | 1,034 |
| Retained earnings to average equity (ytd only) | 4.1665% | 3,672 |
| Net charge-offs to loans | 0.0682% | 4,242 |
| Credit loss provision to net charge-offs | 431.8182% | 803 |
| Earnings coverage of net charge-offs (x) | 47.7576% | 596 |
| Efficiency ratio | 63.4492% | 5,452 |
| Assets per employee ($millions) | 2.6160% | 6,824 |
| Cash dividends to net income (ytd only)* | 69.6905% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 5,383 |
| Loan loss allowance to noncurrent loans | 169.8707% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 6,033 |
| Noncurrent loans to loans | 0.7363% | 5,539 |
| Net loans and leases to total assets | 64.0484% | 3,431 |
| Net loans and leases to deposits | 72.3833% | 4,008 |
| Net loans and leases to core deposits | 75.1250% | 4,408 |
| Total domestic deposits to total assets | 88.4852% | 2,088 |
| Equity capital to assets | 9.1542% | 4,949 |
| Core capital (leverage) ratio | 8.5477% | 5,355 |
| Tier 1 risk-based capital ratio | 11.8393% | 5,826 |
| Total risk-based capital ratio | 13.0256% | 5,886 |
| Memoranda: | ||
| Average total assets | $585,858,500 | 1,143 |
| Average earning assets | $540,614,500 | 1,131 |
| Average equity | $54,530,000 | 1,225 |
| Average total loans | $386,852,000 | 1,136 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 2,440 |
| Cost of funding earning assets | 0.7049% | 6,873 |
| Net interest margin | 4.7539% | 727 |
| Noninterest income to average assets | 1.9793% | 404 |
| Noninterest expense to average assets | 4.3693% | 751 |
| Loan and lease loss provision to assets | 0.1119% | 6,037 |
| Net operating income to assets | 1.3718% | 1,004 |
| Return on assets (ROA) | 1.3721% | 1,073 |
| Pretax return on assets | 1.8716% | 647 |
| Return on Equity (ROE) | 15.0102% | 717 |
| Retained earnings to average equity (ytd only) | 14.0510% | 162 |
| Net charge-offs to loans | 0.1194% | 5,695 |
| Credit loss provision to net charge-offs | 138.0846% | 2,765 |
| Earnings coverage of net charge-offs (x) | 24.4811% | 863 |
| Efficiency ratio | 66.5436% | 4,857 |
| Assets per employee ($millions) | 2.4683% | 7,055 |
| Cash dividends to net income (ytd only)* | 6.3905% | 3,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 5,488 |
| Loan loss allowance to noncurrent loans | 178.9819% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 6,152 |
| Noncurrent loans to loans | 0.6732% | 5,699 |
| Net loans and leases to total assets | 66.4472% | 3,367 |
| Net loans and leases to deposits | 75.6414% | 3,896 |
| Net loans and leases to core deposits | 78.6481% | 4,378 |
| Total domestic deposits to total assets | 87.8450% | 2,344 |
| Equity capital to assets | 9.4683% | 4,445 |
| Core capital (leverage) ratio | 8.7322% | 4,966 |
| Tier 1 risk-based capital ratio | 11.9824% | 5,489 |
| Total risk-based capital ratio | 13.1388% | 5,562 |
| Memoranda: | ||
| Average total assets | $554,273,400 | 1,212 |
| Average earning assets | $509,873,000 | 1,205 |
| Average equity | $50,665,400 | 1,312 |
| Average total loans | $376,058,600 | 1,207 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4538% | 2,628 |
| Cost of funding earning assets | 0.7684% | 6,850 |
| Net interest margin | 4.6854% | 872 |
| Noninterest income to average assets | 1.9596% | 388 |
| Noninterest expense to average assets | 4.3348% | 717 |
| Loan and lease loss provision to assets | 0.2983% | 4,190 |
| Net operating income to assets | 1.2059% | 1,575 |
| Return on assets (ROA) | 1.2062% | 1,656 |
| Pretax return on assets | 1.6397% | 1,249 |
| Return on Equity (ROE) | 13.3205% | 1,180 |
| Retained earnings to average equity (ytd only) | 13.3205% | 315 |
| Net charge-offs to loans | 0.0849% | 5,683 |
| Credit loss provision to net charge-offs | 516.8067% | 568 |
| Earnings coverage of net charge-offs (x) | 33.5625% | 801 |
| Efficiency ratio | 66.8433% | 4,690 |
| Assets per employee ($millions) | 2.3938% | 7,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 4,357 |
| Loan loss allowance to noncurrent loans | 182.3097% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 6,056 |
| Noncurrent loans to loans | 0.7788% | 5,655 |
| Net loans and leases to total assets | 67.9909% | 3,219 |
| Net loans and leases to deposits | 77.5350% | 3,914 |
| Net loans and leases to core deposits | 81.0097% | 4,383 |
| Total domestic deposits to total assets | 87.6906% | 2,165 |
| Equity capital to assets | 9.5353% | 4,787 |
| Core capital (leverage) ratio | 8.5892% | 5,364 |
| Tier 1 risk-based capital ratio | 11.4251% | 5,997 |
| Total risk-based capital ratio | 12.6764% | 5,982 |
| Memoranda: | ||
| Average total assets | $549,680,000 | 1,228 |
| Average earning assets | $505,958,750 | 1,225 |
| Average equity | $49,776,750 | 1,348 |
| Average total loans | $373,786,000 | 1,221 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4230% | 2,874 |
| Cost of funding earning assets | 0.8300% | 6,819 |
| Net interest margin | 4.5930% | 1,018 |
| Noninterest income to average assets | 1.7580% | 427 |
| Noninterest expense to average assets | 4.3186% | 710 |
| Loan and lease loss provision to assets | 0.3620% | 3,538 |
| Net operating income to assets | 0.9516% | 2,360 |
| Return on assets (ROA) | 0.9521% | 2,445 |
| Pretax return on assets | 1.2951% | 2,100 |
| Return on Equity (ROE) | 10.7070% | 1,855 |
| Retained earnings to average equity (ytd only) | 10.7070% | 709 |
| Net charge-offs to loans | 0.0681% | 5,461 |
| Credit loss provision to net charge-offs | 785.7143% | 472 |
| Earnings coverage of net charge-offs (x) | 35.9524% | 801 |
| Efficiency ratio | 69.9345% | 4,204 |
| Assets per employee ($millions) | 2.3360% | 7,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 4,327 |
| Loan loss allowance to noncurrent loans | 151.3046% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 5,825 |
| Noncurrent loans to loans | 0.9398% | 5,417 |
| Net loans and leases to total assets | 68.5369% | 3,241 |
| Net loans and leases to deposits | 78.0748% | 3,952 |
| Net loans and leases to core deposits | 81.7692% | 4,450 |
| Total domestic deposits to total assets | 87.7836% | 2,119 |
| Equity capital to assets | 9.3347% | 4,956 |
| Core capital (leverage) ratio | 8.2347% | 5,885 |
| Tier 1 risk-based capital ratio | 11.0816% | 6,149 |
| Total risk-based capital ratio | 12.3326% | 6,138 |
| Memoranda: | ||
| Average total assets | $546,986,670 | 1,244 |
| Average earning assets | $502,197,670 | 1,246 |
| Average equity | $48,641,000 | 1,379 |
| Average total loans | $370,152,000 | 1,240 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3729% | 3,177 |
| Cost of funding earning assets | 0.8989% | 6,776 |
| Net interest margin | 4.4740% | 1,200 |
| Noninterest income to average assets | 1.7702% | 411 |
| Noninterest expense to average assets | 4.3699% | 663 |
| Loan and lease loss provision to assets | 0.5738% | 2,201 |
| Net operating income to assets | 0.6455% | 3,688 |
| Return on assets (ROA) | 0.6465% | 3,798 |
| Pretax return on assets | 0.9167% | 3,406 |
| Return on Equity (ROE) | 7.4515% | 3,133 |
| Retained earnings to average equity (ytd only) | 7.4515% | 1,946 |
| Net charge-offs to loans | 0.0196% | 5,311 |
| Credit loss provision to net charge-offs | 4,388.8889% | 112 |
| Earnings coverage of net charge-offs (x) | 113.8889% | 285 |
| Efficiency ratio | 72.2167% | 3,888 |
| Assets per employee ($millions) | 2.4048% | 7,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 4,289 |
| Loan loss allowance to noncurrent loans | 83.8854% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 4,886 |
| Noncurrent loans to loans | 1.6999% | 4,193 |
| Net loans and leases to total assets | 65.5131% | 3,984 |
| Net loans and leases to deposits | 73.6219% | 4,802 |
| Net loans and leases to core deposits | 77.0776% | 5,127 |
| Total domestic deposits to total assets | 88.9858% | 1,524 |
| Equity capital to assets | 8.7365% | 5,676 |
| Core capital (leverage) ratio | 7.8841% | 6,398 |
| Tier 1 risk-based capital ratio | 10.7362% | 6,403 |
| Total risk-based capital ratio | 11.9871% | 6,385 |
| Memoranda: | ||
| Average total assets | $550,670,000 | 1,267 |
| Average earning assets | $503,268,000 | 1,270 |
| Average equity | $47,775,500 | 1,408 |
| Average total loans | $367,641,000 | 1,289 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8964% | 2,251 |
| Cost of funding earning assets | 1.2260% | 6,567 |
| Net interest margin | 4.6705% | 877 |
| Noninterest income to average assets | 1.6713% | 517 |
| Noninterest expense to average assets | 4.3661% | 914 |
| Loan and lease loss provision to assets | -0.0627% | 7,980 |
| Net operating income to assets | 1.0599% | 1,628 |
| Return on assets (ROA) | 1.0751% | 1,629 |
| Pretax return on assets | 1.6524% | 863 |
| Return on Equity (ROE) | 11.9427% | 1,179 |
| Retained earnings to average equity (ytd only) | 2.4546% | 3,420 |
| Net charge-offs to loans | -0.0342% | 7,823 |
| Credit loss provision to net charge-offs | 269.6721% | 1,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5226% | 4,345 |
| Assets per employee ($millions) | 2.4366% | 7,305 |
| Cash dividends to net income (ytd only)* | 79.4472% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 5,264 |
| Loan loss allowance to noncurrent loans | 85.3053% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9671% | 5,172 |
| Noncurrent loans to loans | 1.4252% | 4,540 |
| Net loans and leases to total assets | 66.2515% | 4,097 |
| Net loans and leases to deposits | 74.7025% | 4,921 |
| Net loans and leases to core deposits | 84.4915% | 5,672 |
| Total domestic deposits to total assets | 88.6871% | 1,632 |
| Equity capital to assets | 8.6147% | 5,711 |
| Core capital (leverage) ratio | 8.1236% | 5,951 |
| Tier 1 risk-based capital ratio | 10.8192% | 6,097 |
| Total risk-based capital ratio | 11.9300% | 6,204 |
| Memoranda: | ||
| Average total assets | $524,979,400 | 1,310 |
| Average earning assets | $478,968,000 | 1,318 |
| Average equity | $47,258,800 | 1,420 |
| Average total loans | $357,082,200 | 1,351 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9367% | 2,286 |
| Cost of funding earning assets | 1.2786% | 6,628 |
| Net interest margin | 4.6581% | 894 |
| Noninterest income to average assets | 1.6508% | 537 |
| Noninterest expense to average assets | 4.2993% | 915 |
| Loan and lease loss provision to assets | -0.0768% | 8,063 |
| Net operating income to assets | 1.1175% | 1,682 |
| Return on assets (ROA) | 1.1277% | 1,716 |
| Pretax return on assets | 1.7083% | 959 |
| Return on Equity (ROE) | 12.3862% | 1,268 |
| Retained earnings to average equity (ytd only) | -0.2623% | 5,276 |
| Net charge-offs to loans | -0.4089% | 8,017 |
| Credit loss provision to net charge-offs | 27.5069% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5653% | 4,486 |
| Assets per employee ($millions) | 2.3512% | 7,444 |
| Cash dividends to net income (ytd only)* | 102.1180% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 3,623 |
| Loan loss allowance to noncurrent loans | 108.1322% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.0419% | 4,994 |
| Noncurrent loans to loans | 1.3539% | 4,666 |
| Net loans and leases to total assets | 70.7873% | 3,316 |
| Net loans and leases to deposits | 81.3678% | 4,139 |
| Net loans and leases to core deposits | 93.0479% | 5,131 |
| Total domestic deposits to total assets | 86.9968% | 2,183 |
| Equity capital to assets | 8.8989% | 5,638 |
| Core capital (leverage) ratio | 8.2198% | 5,979 |
| Tier 1 risk-based capital ratio | 10.5375% | 6,430 |
| Total risk-based capital ratio | 11.7860% | 6,392 |
| Memoranda: | ||
| Average total assets | $519,167,750 | 1,344 |
| Average earning assets | $475,313,000 | 1,348 |
| Average equity | $47,266,500 | 1,450 |
| Average total loans | $354,433,250 | 1,376 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9519% | 2,378 |
| Cost of funding earning assets | 1.3491% | 6,650 |
| Net interest margin | 4.6028% | 947 |
| Noninterest income to average assets | 1.5244% | 638 |
| Noninterest expense to average assets | 4.2696% | 991 |
| Loan and lease loss provision to assets | -0.3657% | 8,180 |
| Net operating income to assets | 1.2074% | 1,451 |
| Return on assets (ROA) | 1.2196% | 1,505 |
| Pretax return on assets | 1.8485% | 777 |
| Return on Equity (ROE) | 13.2959% | 1,125 |
| Retained earnings to average equity (ytd only) | 13.2959% | 297 |
| Net charge-offs to loans | -0.6888% | 8,116 |
| Credit loss provision to net charge-offs | 79.1493% | 5,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2782% | 4,353 |
| Assets per employee ($millions) | 2.2687% | 7,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 3,999 |
| Loan loss allowance to noncurrent loans | 130.7325% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 5,370 |
| Noncurrent loans to loans | 1.0304% | 5,157 |
| Net loans and leases to total assets | 70.6766% | 3,537 |
| Net loans and leases to deposits | 82.1308% | 4,207 |
| Net loans and leases to core deposits | 91.7782% | 5,368 |
| Total domestic deposits to total assets | 86.0537% | 2,761 |
| Equity capital to assets | 9.5206% | 4,587 |
| Core capital (leverage) ratio | 8.8773% | 4,822 |
| Tier 1 risk-based capital ratio | 11.5541% | 5,329 |
| Total risk-based capital ratio | 12.8065% | 5,258 |
| Memoranda: | ||
| Average total assets | $519,018,000 | 1,368 |
| Average earning assets | $474,672,670 | 1,367 |
| Average equity | $47,608,670 | 1,446 |
| Average total loans | $348,148,330 | 1,432 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0306% | 2,232 |
| Cost of funding earning assets | 1.6390% | 5,864 |
| Net interest margin | 4.3916% | 1,367 |
| Noninterest income to average assets | 1.2894% | 857 |
| Noninterest expense to average assets | 4.1391% | 1,011 |
| Loan and lease loss provision to assets | -1.7775% | 8,244 |
| Net operating income to assets | 1.8625% | 467 |
| Return on assets (ROA) | 1.8625% | 522 |
| Pretax return on assets | 2.8639% | 143 |
| Return on Equity (ROE) | 19.0899% | 497 |
| Retained earnings to average equity (ytd only) | 19.0899% | 192 |
| Net charge-offs to loans | -1.5701% | 8,175 |
| Credit loss provision to net charge-offs | 188.1667% | 2,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5951% | 3,552 |
| Assets per employee ($millions) | 2.9110% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 3,743 |
| Loan loss allowance to noncurrent loans | 901.8692% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 6,838 |
| Noncurrent loans to loans | 0.1506% | 7,088 |
| Net loans and leases to total assets | 55.9789% | 6,242 |
| Net loans and leases to deposits | 63.7186% | 6,586 |
| Net loans and leases to core deposits | 69.5070% | 7,052 |
| Total domestic deposits to total assets | 87.8533% | 1,819 |
| Equity capital to assets | 10.1830% | 3,778 |
| Core capital (leverage) ratio | 9.2953% | 4,254 |
| Tier 1 risk-based capital ratio | 14.6887% | 3,208 |
| Total risk-based capital ratio | 15.9204% | 3,148 |
| Memoranda: | ||
| Average total assets | $254,063,500 | 2,599 |
| Average earning assets | $227,705,500 | 2,666 |
| Average equity | $24,788,000 | 2,674 |
| Average total loans | $152,859,000 | 2,958 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1497% | 4,777 |
| Cost of funding earning assets | 2.1476% | 5,844 |
| Net interest margin | 4.0021% | 3,099 |
| Noninterest income to average assets | 1.2195% | 996 |
| Noninterest expense to average assets | 3.7180% | 1,919 |
| Loan and lease loss provision to assets | -0.0048% | 8,197 |
| Net operating income to assets | 0.7352% | 3,739 |
| Return on assets (ROA) | 0.7352% | 3,573 |
| Pretax return on assets | 1.1688% | 2,773 |
| Return on Equity (ROE) | 8.1219% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.1219% | 810 |
| Net charge-offs to loans | 0.1564% | 4,632 |
| Credit loss provision to net charge-offs | -4.6154% | 7,264 |
| Earnings coverage of net charge-offs (x) | 11.2962% | 2,387 |
| Efficiency ratio | 72.2439% | 3,888 |
| Assets per employee ($millions) | 2.9630% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 2,676 |
| Loan loss allowance to noncurrent loans | 281.9954% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 5,788 |
| Noncurrent loans to loans | 0.5329% | 5,759 |
| Net loans and leases to total assets | 62.5291% | 5,532 |
| Net loans and leases to deposits | 71.0689% | 6,155 |
| Net loans and leases to core deposits | 77.8952% | 6,753 |
| Total domestic deposits to total assets | 87.9839% | 1,478 |
| Equity capital to assets | 9.3425% | 4,880 |
| Core capital (leverage) ratio | 8.7407% | 5,127 |
| Tier 1 risk-based capital ratio | 12.7621% | 4,253 |
| Total risk-based capital ratio | 13.9602% | 4,197 |
| Memoranda: | ||
| Average total assets | $252,314,000 | 2,543 |
| Average earning assets | $230,905,000 | 2,545 |
| Average equity | $22,839,400 | 2,863 |
| Average total loans | $166,287,000 | 2,683 |