Home > Bridgewater Bank > Performance and Condition Ratios
Bridgewater 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 | 5.4401% | 2,223 |
| Cost of funding earning assets | 2.8364% | 461 |
| Net interest margin | 2.6036% | 3,942 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 1.3926% | 4,276 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 0.8499% | 2,715 |
| Return on assets (ROA) | 0.8499% | 2,716 |
| Pretax return on assets | 1.1230% | 2,439 |
| Return on Equity (ROE) | 8.1400% | 2,829 |
| Retained earnings to average equity (ytd only) | 8.1393% | 1,656 |
| Net charge-offs to loans | 0.0011% | 2,296 |
| Credit loss provision to net charge-offs | 13,636.3636% | 31 |
| Earnings coverage of net charge-offs (x) | 1,436.0000% | 55 |
| Efficiency ratio | 52.1983% | 3,743 |
| Assets per employee ($millions) | 17.5579% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 1,534 |
| Loan loss allowance to noncurrent loans | 522.5073% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 2,499 |
| Noncurrent loans to loans | 0.2564% | 2,579 |
| Net loans and leases to total assets | 77.2200% | 929 |
| Net loans and leases to deposits | 94.7357% | 720 |
| Net loans and leases to core deposits | 124.2546% | 438 |
| Total domestic deposits to total assets | 81.5100% | 3,399 |
| Equity capital to assets | 10.5073% | 1,912 |
| Core capital (leverage) ratio | 10.4942% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4185% | 2,069 |
| Memoranda: | ||
| Average total assets | $5,092,575,000 | 291 |
| Average earning assets | $4,831,277,000 | 281 |
| Average equity | $531,792,000 | 284 |
| Average total loans | $3,937,285,500 | 264 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4399% | 2,256 |
| Cost of funding earning assets | 3.0655% | 434 |
| Net interest margin | 2.3744% | 4,020 |
| Noninterest income to average assets | 0.1500% | 3,997 |
| Noninterest expense to average assets | 1.2972% | 4,348 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.7883% | 2,722 |
| Return on assets (ROA) | 0.7947% | 2,717 |
| Pretax return on assets | 1.0434% | 2,404 |
| Return on Equity (ROE) | 7.4200% | 2,915 |
| Retained earnings to average equity (ytd only) | 5.4560% | 2,034 |
| Net charge-offs to loans | 0.0327% | 1,921 |
| Credit loss provision to net charge-offs | 235.5808% | 1,033 |
| Earnings coverage of net charge-offs (x) | 42.8083% | 1,294 |
| Efficiency ratio | 53.8309% | 3,735 |
| Assets per employee ($millions) | 17.4422% | 144 |
| Cash dividends to net income (ytd only)* | 26.4943% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,457 |
| Loan loss allowance to noncurrent loans | 17,367.7741% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,733 |
| Noncurrent loans to loans | 0.0078% | 3,711 |
| Net loans and leases to total assets | 75.3100% | 1,238 |
| Net loans and leases to deposits | 92.7828% | 960 |
| Net loans and leases to core deposits | 121.9034% | 544 |
| Total domestic deposits to total assets | 81.1700% | 3,382 |
| Equity capital to assets | 10.3768% | 1,908 |
| Core capital (leverage) ratio | 10.8564% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4859% | 2,054 |
| Memoranda: | ||
| Average total assets | $4,749,599,400 | 294 |
| Average earning assets | $4,520,007,400 | 283 |
| Average equity | $508,504,000 | 283 |
| Average total loans | $3,766,265,400 | 264 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4664% | 2,139 |
| Cost of funding earning assets | 3.0984% | 430 |
| Net interest margin | 2.3680% | 4,028 |
| Noninterest income to average assets | 0.1300% | 4,095 |
| Noninterest expense to average assets | 1.2903% | 4,371 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.7991% | 2,694 |
| Return on assets (ROA) | 0.8078% | 2,683 |
| Pretax return on assets | 1.0659% | 2,342 |
| Return on Equity (ROE) | 7.4800% | 2,897 |
| Retained earnings to average equity (ytd only) | 4.8391% | 2,531 |
| Net charge-offs to loans | 0.0330% | 1,664 |
| Credit loss provision to net charge-offs | 156.5875% | 1,254 |
| Earnings coverage of net charge-offs (x) | 41.3812% | 1,315 |
| Efficiency ratio | 54.0971% | 3,711 |
| Assets per employee ($millions) | 17.6759% | 141 |
| Cash dividends to net income (ytd only)* | 35.3270% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 1,388 |
| Loan loss allowance to noncurrent loans | 608.9520% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 2,521 |
| Noncurrent loans to loans | 0.2277% | 2,622 |
| Net loans and leases to total assets | 77.4700% | 931 |
| Net loans and leases to deposits | 96.2539% | 706 |
| Net loans and leases to core deposits | 134.3533% | 322 |
| Total domestic deposits to total assets | 80.4900% | 3,389 |
| Equity capital to assets | 11.0263% | 1,721 |
| Core capital (leverage) ratio | 11.1234% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2650% | 1,802 |
| Memoranda: | ||
| Average total assets | $4,672,439,000 | 290 |
| Average earning assets | $4,452,908,250 | 282 |
| Average equity | $504,408,500 | 281 |
| Average total loans | $3,742,403,500 | 263 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3765% | 2,191 |
| Cost of funding earning assets | 3.0291% | 451 |
| Net interest margin | 2.3474% | 4,044 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 1.2781% | 4,392 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7756% | 2,706 |
| Return on assets (ROA) | 0.7895% | 2,681 |
| Pretax return on assets | 1.0419% | 2,358 |
| Return on Equity (ROE) | 7.3700% | 2,917 |
| Retained earnings to average equity (ytd only) | 7.3664% | 1,549 |
| Net charge-offs to loans | -0.0003% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.1240% | 3,746 |
| Assets per employee ($millions) | 18.1421% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 1,477 |
| Loan loss allowance to noncurrent loans | 7,662.0944% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,650 |
| Noncurrent loans to loans | 0.0179% | 3,655 |
| Net loans and leases to total assets | 79.9500% | 678 |
| Net loans and leases to deposits | 97.8995% | 660 |
| Net loans and leases to core deposits | 143.9569% | 216 |
| Total domestic deposits to total assets | 81.6700% | 3,152 |
| Equity capital to assets | 10.9340% | 1,601 |
| Core capital (leverage) ratio | 11.2214% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0124% | 1,881 |
| Memoranda: | ||
| Average total assets | $4,668,543,333 | 296 |
| Average earning assets | $4,446,778,667 | 284 |
| Average equity | $500,382,667 | 281 |
| Average total loans | $3,763,243,000 | 258 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2876% | 2,216 |
| Cost of funding earning assets | 2.9519% | 463 |
| Net interest margin | 2.3357% | 4,073 |
| Noninterest income to average assets | 0.1200% | 4,125 |
| Noninterest expense to average assets | 1.2626% | 4,420 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.7738% | 2,618 |
| Return on assets (ROA) | 0.7801% | 2,609 |
| Pretax return on assets | 1.0294% | 2,307 |
| Return on Equity (ROE) | 7.3500% | 2,860 |
| Retained earnings to average equity (ytd only) | 7.3526% | 1,719 |
| Net charge-offs to loans | -0.0003% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 53.7318% | 3,781 |
| Assets per employee ($millions) | 18.4996% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 1,532 |
| Loan loss allowance to noncurrent loans | 20,621.2851% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 3,797 |
| Noncurrent loans to loans | 0.0066% | 3,758 |
| Net loans and leases to total assets | 78.9900% | 736 |
| Net loans and leases to deposits | 97.3448% | 637 |
| Net loans and leases to core deposits | 140.1786% | 267 |
| Total domestic deposits to total assets | 81.1500% | 3,344 |
| Equity capital to assets | 10.6205% | 1,675 |
| Core capital (leverage) ratio | 11.1240% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7280% | 1,976 |
| Memoranda: | ||
| Average total assets | $4,662,482,500 | 299 |
| Average earning assets | $4,438,161,500 | 286 |
| Average equity | $494,682,500 | 286 |
| Average total loans | $3,747,779,000 | 264 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1540% | 1,755 |
| Cost of funding earning assets | 2.5992% | 299 |
| Net interest margin | 2.5548% | 4,029 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.3041% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9537% | 2,353 |
| Return on assets (ROA) | 0.9536% | 2,346 |
| Pretax return on assets | 1.2716% | 1,953 |
| Return on Equity (ROE) | 9.3100% | 2,683 |
| Retained earnings to average equity (ytd only) | 9.3096% | 1,183 |
| Net charge-offs to loans | 0.0055% | 2,503 |
| Credit loss provision to net charge-offs | 1,014.8515% | 403 |
| Earnings coverage of net charge-offs (x) | 284.7921% | 451 |
| Efficiency ratio | 50.6199% | 3,933 |
| Assets per employee ($millions) | 18.0689% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 1,553 |
| Loan loss allowance to noncurrent loans | 5,494.4505% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 3,603 |
| Noncurrent loans to loans | 0.0247% | 3,568 |
| Net loans and leases to total assets | 79.5900% | 688 |
| Net loans and leases to deposits | 98.1196% | 643 |
| Net loans and leases to core deposits | 142.4329% | 247 |
| Total domestic deposits to total assets | 81.1200% | 3,289 |
| Equity capital to assets | 10.5990% | 1,677 |
| Core capital (leverage) ratio | 10.9497% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5797% | 2,032 |
| Memoranda: | ||
| Average total assets | $4,537,530,800 | 291 |
| Average earning assets | $4,311,137,200 | 282 |
| Average equity | $464,797,800 | 281 |
| Average total loans | $3,679,405,800 | 256 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0846% | 1,659 |
| Cost of funding earning assets | 2.4888% | 283 |
| Net interest margin | 2.5959% | 4,039 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.2986% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9847% | 2,412 |
| Return on assets (ROA) | 0.9845% | 2,401 |
| Pretax return on assets | 1.3169% | 1,990 |
| Return on Equity (ROE) | 9.7000% | 2,735 |
| Retained earnings to average equity (ytd only) | 9.6973% | 1,494 |
| Net charge-offs to loans | 0.0040% | 2,347 |
| Credit loss provision to net charge-offs | 1,846.8468% | 258 |
| Earnings coverage of net charge-offs (x) | 402.9369% | 361 |
| Efficiency ratio | 49.5014% | 3,951 |
| Assets per employee ($millions) | 17.8353% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 1,615 |
| Loan loss allowance to noncurrent loans | 6,753.6716% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,671 |
| Noncurrent loans to loans | 0.0202% | 3,619 |
| Net loans and leases to total assets | 80.5700% | 584 |
| Net loans and leases to deposits | 98.9192% | 563 |
| Net loans and leases to core deposits | 140.1904% | 219 |
| Total domestic deposits to total assets | 81.4500% | 3,318 |
| Equity capital to assets | 10.3767% | 1,610 |
| Core capital (leverage) ratio | 10.8766% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3264% | 2,147 |
| Memoranda: | ||
| Average total assets | $4,520,022,000 | 294 |
| Average earning assets | $4,292,202,750 | 284 |
| Average equity | $458,908,500 | 286 |
| Average total loans | $3,669,830,000 | 260 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 1,573 |
| Cost of funding earning assets | 2.3372% | 255 |
| Net interest margin | 2.6575% | 4,028 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.2665% | 4,489 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0191% | 2,360 |
| Return on assets (ROA) | 1.0189% | 2,351 |
| Pretax return on assets | 1.3756% | 1,872 |
| Return on Equity (ROE) | 10.1100% | 2,669 |
| Retained earnings to average equity (ytd only) | 10.1107% | 1,374 |
| Net charge-offs to loans | -0.0003% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.2590% | 4,106 |
| Assets per employee ($millions) | 18.1605% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 1,671 |
| Loan loss allowance to noncurrent loans | 7,658.7613% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 3,668 |
| Noncurrent loans to loans | 0.0178% | 3,637 |
| Net loans and leases to total assets | 80.0500% | 619 |
| Net loans and leases to deposits | 101.9157% | 434 |
| Net loans and leases to core deposits | 144.4698% | 181 |
| Total domestic deposits to total assets | 78.5400% | 3,782 |
| Equity capital to assets | 10.0858% | 1,808 |
| Core capital (leverage) ratio | 10.6856% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9079% | 2,327 |
| Memoranda: | ||
| Average total assets | $4,510,692,333 | 287 |
| Average earning assets | $4,281,262,667 | 276 |
| Average equity | $454,567,000 | 280 |
| Average total loans | $3,654,757,000 | 252 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 1,392 |
| Cost of funding earning assets | 2.0960% | 238 |
| Net interest margin | 2.8139% | 3,930 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.2694% | 4,553 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1167% | 2,175 |
| Return on assets (ROA) | 1.1127% | 2,149 |
| Pretax return on assets | 1.5178% | 1,634 |
| Return on Equity (ROE) | 11.0500% | 2,479 |
| Retained earnings to average equity (ytd only) | 11.0461% | 1,459 |
| Net charge-offs to loans | -0.0002% | 3,256 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.4186% | 4,288 |
| Assets per employee ($millions) | 18.6852% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 1,765 |
| Loan loss allowance to noncurrent loans | 7,236.3636% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,643 |
| Noncurrent loans to loans | 0.0189% | 3,649 |
| Net loans and leases to total assets | 78.8700% | 664 |
| Net loans and leases to deposits | 105.1663% | 276 |
| Net loans and leases to core deposits | 144.6782% | 149 |
| Total domestic deposits to total assets | 75.0000% | 4,222 |
| Equity capital to assets | 9.8964% | 1,871 |
| Core capital (leverage) ratio | 10.6137% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6185% | 2,528 |
| Memoranda: | ||
| Average total assets | $4,468,737,000 | 300 |
| Average earning assets | $4,232,555,500 | 286 |
| Average equity | $450,149,500 | 287 |
| Average total loans | $3,617,889,000 | 258 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 877 |
| Cost of funding earning assets | 0.7834% | 415 |
| Net interest margin | 3.6205% | 1,587 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.4667% | 4,459 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.4450% | 1,020 |
| Return on assets (ROA) | 1.4467% | 974 |
| Pretax return on assets | 1.9642% | 515 |
| Return on Equity (ROE) | 13.5300% | 1,647 |
| Retained earnings to average equity (ytd only) | 13.5287% | 450 |
| Net charge-offs to loans | -0.0087% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.3025% | 4,531 |
| Assets per employee ($millions) | 17.6460% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 1,693 |
| Loan loss allowance to noncurrent loans | 7,511.1111% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 3,716 |
| Noncurrent loans to loans | 0.0179% | 3,704 |
| Net loans and leases to total assets | 80.9100% | 508 |
| Net loans and leases to deposits | 101.6916% | 375 |
| Net loans and leases to core deposits | 135.8506% | 172 |
| Total domestic deposits to total assets | 79.5600% | 3,939 |
| Equity capital to assets | 10.2607% | 1,577 |
| Core capital (leverage) ratio | 10.7626% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4739% | 2,579 |
| Memoranda: | ||
| Average total assets | $3,883,871,800 | 321 |
| Average earning assets | $3,715,443,400 | 308 |
| Average equity | $415,318,000 | 296 |
| Average total loans | $3,187,267,000 | 271 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 828 |
| Cost of funding earning assets | 0.5307% | 639 |
| Net interest margin | 3.7076% | 1,118 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.4728% | 4,452 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.4750% | 901 |
| Return on assets (ROA) | 1.4765% | 883 |
| Pretax return on assets | 2.0234% | 443 |
| Return on Equity (ROE) | 13.6500% | 1,524 |
| Retained earnings to average equity (ytd only) | 13.6483% | 519 |
| Net charge-offs to loans | -0.0117% | 3,764 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.5219% | 4,584 |
| Assets per employee ($millions) | 16.7606% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 1,676 |
| Loan loss allowance to noncurrent loans | 7,012.2172% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,803 |
| Noncurrent loans to loans | 0.0197% | 3,778 |
| Net loans and leases to total assets | 80.6300% | 479 |
| Net loans and leases to deposits | 99.4247% | 388 |
| Net loans and leases to core deposits | 111.8871% | 412 |
| Total domestic deposits to total assets | 81.1000% | 3,967 |
| Equity capital to assets | 10.4630% | 1,386 |
| Core capital (leverage) ratio | 11.2369% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6681% | 2,589 |
| Memoranda: | ||
| Average total assets | $3,769,609,000 | 327 |
| Average earning assets | $3,610,898,000 | 312 |
| Average equity | $407,795,750 | 300 |
| Average total loans | $3,094,045,500 | 273 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1337% | 724 |
| Cost of funding earning assets | 0.4194% | 809 |
| Net interest margin | 3.7144% | 888 |
| Noninterest income to average assets | 0.1750% | 4,129 |
| Noninterest expense to average assets | 1.4952% | 4,424 |
| Loan and lease loss provision to assets | 0.2574% | 275 |
| Net operating income to assets | 1.4554% | 783 |
| Return on assets (ROA) | 1.4576% | 759 |
| Pretax return on assets | 1.9900% | 390 |
| Return on Equity (ROE) | 13.3099% | 1,289 |
| Retained earnings to average equity (ytd only) | 13.3099% | 431 |
| Net charge-offs to loans | 0.0006% | 2,138 |
| Credit loss provision to net charge-offs | 52,222.2222% | 7 |
| Earnings coverage of net charge-offs (x) | 4,553.6667% | 13 |
| Efficiency ratio | 39.8424% | 4,615 |
| Assets per employee ($millions) | 16.4341% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 1,798 |
| Loan loss allowance to noncurrent loans | 6,498.6919% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,835 |
| Noncurrent loans to loans | 0.0214% | 3,804 |
| Net loans and leases to total assets | 81.7760% | 296 |
| Net loans and leases to deposits | 97.7657% | 354 |
| Net loans and leases to core deposits | 117.5799% | 223 |
| Total domestic deposits to total assets | 83.6449% | 3,760 |
| Equity capital to assets | 10.8558% | 1,281 |
| Core capital (leverage) ratio | 11.4331% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7429% | 2,586 |
| Memoranda: | ||
| Average total assets | $3,651,778,000 | 330 |
| Average earning assets | $3,504,730,333 | 321 |
| Average equity | $399,927,333 | 307 |
| Average total loans | $3,001,729,333 | 275 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 661 |
| Cost of funding earning assets | 0.3904% | 921 |
| Net interest margin | 3.6898% | 761 |
| Noninterest income to average assets | 0.1805% | 4,082 |
| Noninterest expense to average assets | 1.5269% | 4,388 |
| Loan and lease loss provision to assets | 0.1893% | 398 |
| Net operating income to assets | 1.4716% | 676 |
| Return on assets (ROA) | 1.4716% | 670 |
| Pretax return on assets | 2.0086% | 349 |
| Return on Equity (ROE) | 13.3733% | 963 |
| Retained earnings to average equity (ytd only) | 13.3733% | 435 |
| Net charge-offs to loans | 0.0004% | 1,832 |
| Credit loss provision to net charge-offs | 55,833.3333% | 4 |
| Earnings coverage of net charge-offs (x) | 6,481.0000% | 6 |
| Efficiency ratio | 40.8467% | 4,629 |
| Assets per employee ($millions) | 15.7372% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 1,904 |
| Loan loss allowance to noncurrent loans | 5,905.3824% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,857 |
| Noncurrent loans to loans | 0.0237% | 3,822 |
| Net loans and leases to total assets | 81.5026% | 179 |
| Net loans and leases to deposits | 94.3318% | 345 |
| Net loans and leases to core deposits | 111.3651% | 231 |
| Total domestic deposits to total assets | 86.3999% | 3,135 |
| Equity capital to assets | 10.8480% | 1,409 |
| Core capital (leverage) ratio | 11.1300% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6505% | 2,732 |
| Memoranda: | ||
| Average total assets | $3,538,445,000 | 339 |
| Average earning assets | $3,398,855,000 | 328 |
| Average equity | $389,372,000 | 325 |
| Average total loans | $2,894,419,500 | 283 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 1,029 |
| Cost of funding earning assets | 0.4760% | 1,029 |
| Net interest margin | 3.7022% | 1,208 |
| Noninterest income to average assets | 0.1402% | 4,451 |
| Noninterest expense to average assets | 1.4961% | 4,549 |
| Loan and lease loss provision to assets | 0.1609% | 734 |
| Net operating income to assets | 1.5004% | 1,013 |
| Return on assets (ROA) | 1.5189% | 1,013 |
| Pretax return on assets | 2.0726% | 530 |
| Return on Equity (ROE) | 14.0403% | 1,175 |
| Retained earnings to average equity (ytd only) | 14.0403% | 301 |
| Net charge-offs to loans | -0.0011% | 3,294 |
| Credit loss provision to net charge-offs | -17,758.6207% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2070% | 4,684 |
| Assets per employee ($millions) | 15.7867% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 1,824 |
| Loan loss allowance to noncurrent loans | 5,542.9363% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 3,930 |
| Noncurrent loans to loans | 0.0257% | 3,884 |
| Net loans and leases to total assets | 79.7542% | 278 |
| Net loans and leases to deposits | 91.5287% | 500 |
| Net loans and leases to core deposits | 106.6418% | 357 |
| Total domestic deposits to total assets | 87.1358% | 2,459 |
| Equity capital to assets | 11.1659% | 1,689 |
| Core capital (leverage) ratio | 11.0897% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9445% | 2,650 |
| Memoranda: | ||
| Average total assets | $3,201,306,200 | 353 |
| Average earning assets | $3,083,554,400 | 344 |
| Average equity | $346,317,400 | 360 |
| Average total loans | $2,565,322,600 | 297 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1987% | 1,111 |
| Cost of funding earning assets | 0.4980% | 1,056 |
| Net interest margin | 3.7007% | 1,325 |
| Noninterest income to average assets | 0.1359% | 4,521 |
| Noninterest expense to average assets | 1.5032% | 4,591 |
| Loan and lease loss provision to assets | 0.1702% | 640 |
| Net operating income to assets | 1.4832% | 1,311 |
| Return on assets (ROA) | 1.5084% | 1,301 |
| Pretax return on assets | 2.0601% | 721 |
| Return on Equity (ROE) | 14.0685% | 1,368 |
| Retained earnings to average equity (ytd only) | 14.0685% | 503 |
| Net charge-offs to loans | -0.0032% | 3,320 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4453% | 4,709 |
| Assets per employee ($millions) | 15.4515% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,849 |
| Loan loss allowance to noncurrent loans | 5,299.8638% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 4,043 |
| Noncurrent loans to loans | 0.0272% | 4,000 |
| Net loans and leases to total assets | 78.6940% | 363 |
| Net loans and leases to deposits | 90.7135% | 566 |
| Net loans and leases to core deposits | 108.3160% | 359 |
| Total domestic deposits to total assets | 86.7500% | 2,449 |
| Equity capital to assets | 11.0668% | 1,967 |
| Core capital (leverage) ratio | 10.9582% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1297% | 2,667 |
| Memoranda: | ||
| Average total assets | $3,133,366,250 | 364 |
| Average earning assets | $3,018,971,250 | 349 |
| Average equity | $335,946,750 | 366 |
| Average total loans | $2,504,169,000 | 301 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1869% | 1,212 |
| Cost of funding earning assets | 0.5200% | 1,094 |
| Net interest margin | 3.6669% | 1,434 |
| Noninterest income to average assets | 0.1235% | 4,584 |
| Noninterest expense to average assets | 1.4813% | 4,640 |
| Loan and lease loss provision to assets | 0.1771% | 650 |
| Net operating income to assets | 1.4636% | 1,390 |
| Return on assets (ROA) | 1.5000% | 1,355 |
| Pretax return on assets | 2.0470% | 758 |
| Return on Equity (ROE) | 14.1591% | 1,366 |
| Retained earnings to average equity (ytd only) | 14.1591% | 523 |
| Net charge-offs to loans | -0.0041% | 3,371 |
| Credit loss provision to net charge-offs | -5,400.0000% | 3,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3104% | 4,741 |
| Assets per employee ($millions) | 14.7614% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,741 |
| Loan loss allowance to noncurrent loans | 4,939.6846% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 4,100 |
| Noncurrent loans to loans | 0.0295% | 4,059 |
| Net loans and leases to total assets | 80.5698% | 281 |
| Net loans and leases to deposits | 92.6180% | 513 |
| Net loans and leases to core deposits | 113.7579% | 289 |
| Total domestic deposits to total assets | 86.9915% | 2,328 |
| Equity capital to assets | 10.6370% | 2,279 |
| Core capital (leverage) ratio | 10.5651% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4903% | 2,858 |
| Memoranda: | ||
| Average total assets | $3,049,860,667 | 369 |
| Average earning assets | $2,940,760,667 | 351 |
| Average equity | $323,099,667 | 371 |
| Average total loans | $2,438,287,667 | 312 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 1,197 |
| Cost of funding earning assets | 0.5386% | 1,171 |
| Net interest margin | 3.6647% | 1,417 |
| Noninterest income to average assets | 0.1313% | 4,548 |
| Noninterest expense to average assets | 1.4641% | 4,686 |
| Loan and lease loss provision to assets | 0.1469% | 894 |
| Net operating income to assets | 1.5117% | 1,302 |
| Return on assets (ROA) | 1.5117% | 1,363 |
| Pretax return on assets | 2.0629% | 853 |
| Return on Equity (ROE) | 14.3001% | 1,374 |
| Retained earnings to average equity (ytd only) | 14.3001% | 726 |
| Net charge-offs to loans | -0.0078% | 3,563 |
| Credit loss provision to net charge-offs | -2,391.3043% | 3,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6772% | 4,752 |
| Assets per employee ($millions) | 15.3444% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,643 |
| Loan loss allowance to noncurrent loans | 4,673.6364% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 4,185 |
| Noncurrent loans to loans | 0.0319% | 4,123 |
| Net loans and leases to total assets | 77.5155% | 495 |
| Net loans and leases to deposits | 89.2509% | 748 |
| Net loans and leases to core deposits | 106.6359% | 488 |
| Total domestic deposits to total assets | 86.8513% | 2,367 |
| Equity capital to assets | 10.5556% | 2,212 |
| Core capital (leverage) ratio | 10.6514% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3329% | 2,553 |
| Memoranda: | ||
| Average total assets | $2,995,324,500 | 372 |
| Average earning assets | $2,895,627,000 | 352 |
| Average equity | $316,641,500 | 372 |
| Average total loans | $2,366,063,500 | 322 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 1,248 |
| Cost of funding earning assets | 0.9196% | 806 |
| Net interest margin | 3.6061% | 2,124 |
| Noninterest income to average assets | 0.1639% | 4,473 |
| Noninterest expense to average assets | 1.7369% | 4,561 |
| Loan and lease loss provision to assets | 0.4860% | 530 |
| Net operating income to assets | 1.0651% | 2,048 |
| Return on assets (ROA) | 1.1104% | 2,005 |
| Pretax return on assets | 1.4833% | 1,395 |
| Return on Equity (ROE) | 10.3153% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.3153% | 531 |
| Net charge-offs to loans | 0.0204% | 2,655 |
| Credit loss provision to net charge-offs | 2,931.0345% | 337 |
| Earnings coverage of net charge-offs (x) | 115.3057% | 724 |
| Efficiency ratio | 47.4014% | 4,656 |
| Assets per employee ($millions) | 15.9659% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,570 |
| Loan loss allowance to noncurrent loans | 4,495.6129% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 4,245 |
| Noncurrent loans to loans | 0.0334% | 4,173 |
| Net loans and leases to total assets | 78.1184% | 595 |
| Net loans and leases to deposits | 89.9407% | 932 |
| Net loans and leases to core deposits | 114.7340% | 393 |
| Total domestic deposits to total assets | 86.8555% | 2,008 |
| Equity capital to assets | 10.5876% | 2,598 |
| Core capital (leverage) ratio | 10.8918% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3737% | 2,495 |
| Memoranda: | ||
| Average total assets | $2,623,283,200 | 382 |
| Average earning assets | $2,535,241,400 | 365 |
| Average equity | $282,378,000 | 392 |
| Average total loans | $2,130,281,800 | 338 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 1,455 |
| Cost of funding earning assets | 1.0109% | 734 |
| Net interest margin | 3.5377% | 2,467 |
| Noninterest income to average assets | 0.1734% | 4,426 |
| Noninterest expense to average assets | 1.5842% | 4,741 |
| Loan and lease loss provision to assets | 0.4630% | 676 |
| Net operating income to assets | 1.1610% | 1,780 |
| Return on assets (ROA) | 1.2218% | 1,691 |
| Pretax return on assets | 1.6232% | 1,118 |
| Return on Equity (ROE) | 11.2977% | 1,587 |
| Retained earnings to average equity (ytd only) | 11.2977% | 520 |
| Net charge-offs to loans | -0.0003% | 3,771 |
| Credit loss provision to net charge-offs | -177,000.0000% | 4,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8796% | 4,791 |
| Assets per employee ($millions) | 15.3799% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,754 |
| Loan loss allowance to noncurrent loans | 7,247.3441% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,407 |
| Noncurrent loans to loans | 0.0193% | 4,341 |
| Net loans and leases to total assets | 80.1005% | 605 |
| Net loans and leases to deposits | 95.7166% | 778 |
| Net loans and leases to core deposits | 123.4156% | 346 |
| Total domestic deposits to total assets | 83.6850% | 2,934 |
| Equity capital to assets | 10.9030% | 2,477 |
| Core capital (leverage) ratio | 11.2378% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8536% | 2,263 |
| Memoranda: | ||
| Average total assets | $2,548,663,000 | 382 |
| Average earning assets | $2,463,788,500 | 364 |
| Average equity | $275,636,500 | 393 |
| Average total loans | $2,083,533,000 | 337 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 1,553 |
| Cost of funding earning assets | 1.0937% | 729 |
| Net interest margin | 3.5497% | 2,637 |
| Noninterest income to average assets | 0.1899% | 4,326 |
| Noninterest expense to average assets | 1.6631% | 4,718 |
| Loan and lease loss provision to assets | 0.4121% | 970 |
| Net operating income to assets | 1.1656% | 1,743 |
| Return on assets (ROA) | 1.2526% | 1,604 |
| Pretax return on assets | 1.6577% | 1,084 |
| Return on Equity (ROE) | 11.6177% | 1,446 |
| Retained earnings to average equity (ytd only) | 11.6177% | 511 |
| Net charge-offs to loans | -0.0007% | 3,733 |
| Credit loss provision to net charge-offs | -72,857.1429% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6978% | 4,742 |
| Assets per employee ($millions) | 15.8921% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,171 |
| Loan loss allowance to noncurrent loans | 4,590.1993% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 4,444 |
| Noncurrent loans to loans | 0.0276% | 4,375 |
| Net loans and leases to total assets | 78.3870% | 803 |
| Net loans and leases to deposits | 94.1323% | 954 |
| Net loans and leases to core deposits | 123.5063% | 351 |
| Total domestic deposits to total assets | 83.2733% | 3,002 |
| Equity capital to assets | 10.6084% | 2,655 |
| Core capital (leverage) ratio | 11.3624% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2129% | 2,097 |
| Memoranda: | ||
| Average total assets | $2,475,426,333 | 387 |
| Average earning assets | $2,393,846,333 | 364 |
| Average equity | $266,903,333 | 396 |
| Average total loans | $2,028,423,667 | 343 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8458% | 1,320 |
| Cost of funding earning assets | 1.2112% | 745 |
| Net interest margin | 3.6346% | 2,554 |
| Noninterest income to average assets | 0.2935% | 3,767 |
| Noninterest expense to average assets | 1.6787% | 4,796 |
| Loan and lease loss provision to assets | 0.3592% | 858 |
| Net operating income to assets | 1.3052% | 1,234 |
| Return on assets (ROA) | 1.3056% | 1,328 |
| Pretax return on assets | 1.7764% | 736 |
| Return on Equity (ROE) | 11.9957% | 1,107 |
| Retained earnings to average equity (ytd only) | 11.9957% | 430 |
| Net charge-offs to loans | 0.0084% | 2,260 |
| Credit loss provision to net charge-offs | 5,121.9512% | 152 |
| Earnings coverage of net charge-offs (x) | 304.4390% | 232 |
| Efficiency ratio | 43.8016% | 4,886 |
| Assets per employee ($millions) | 14.1946% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,507 |
| Loan loss allowance to noncurrent loans | 4,056.9307% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 4,499 |
| Noncurrent loans to loans | 0.0303% | 4,439 |
| Net loans and leases to total assets | 81.7276% | 466 |
| Net loans and leases to deposits | 102.5549% | 428 |
| Net loans and leases to core deposits | 130.0032% | 269 |
| Total domestic deposits to total assets | 79.6916% | 3,916 |
| Equity capital to assets | 10.6658% | 3,180 |
| Core capital (leverage) ratio | 10.9261% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6739% | 2,855 |
| Memoranda: | ||
| Average total assets | $2,338,476,000 | 390 |
| Average earning assets | $2,264,873,000 | 365 |
| Average equity | $254,525,500 | 406 |
| Average total loans | $1,951,261,500 | 344 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0183% | 1,430 |
| Cost of funding earning assets | 1.3353% | 691 |
| Net interest margin | 3.6830% | 2,858 |
| Noninterest income to average assets | 0.1525% | 4,729 |
| Noninterest expense to average assets | 1.7609% | 4,815 |
| Loan and lease loss provision to assets | 0.1271% | 1,675 |
| Net operating income to assets | 1.4884% | 1,083 |
| Return on assets (ROA) | 1.5080% | 1,095 |
| Pretax return on assets | 1.8698% | 794 |
| Return on Equity (ROE) | 13.7679% | 945 |
| Retained earnings to average equity (ytd only) | 13.7679% | 134 |
| Net charge-offs to loans | 0.0115% | 3,278 |
| Credit loss provision to net charge-offs | 1,317.0732% | 262 |
| Earnings coverage of net charge-offs (x) | 204.4634% | 396 |
| Efficiency ratio | 46.9250% | 4,877 |
| Assets per employee ($millions) | 14.1492% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,535 |
| Loan loss allowance to noncurrent loans | 4,886.3341% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 4,557 |
| Noncurrent loans to loans | 0.0242% | 4,468 |
| Net loans and leases to total assets | 83.1875% | 403 |
| Net loans and leases to deposits | 101.7983% | 485 |
| Net loans and leases to core deposits | 125.7762% | 351 |
| Total domestic deposits to total assets | 81.7180% | 3,582 |
| Equity capital to assets | 11.1171% | 2,891 |
| Core capital (leverage) ratio | 11.0094% | 2,495 |
| Tier 1 risk-based capital ratio | 11.7234% | 4,513 |
| Total risk-based capital ratio | 12.1587% | 4,796 |
| Memoranda: | ||
| Average total assets | $2,124,877,200 | 405 |
| Average earning assets | $2,066,064,800 | 381 |
| Average equity | $232,744,600 | 417 |
| Average total loans | $1,780,594,400 | 359 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 1,531 |
| Cost of funding earning assets | 1.3516% | 674 |
| Net interest margin | 3.6503% | 3,091 |
| Noninterest income to average assets | 0.1357% | 4,855 |
| Noninterest expense to average assets | 1.7112% | 4,909 |
| Loan and lease loss provision to assets | 0.1340% | 1,435 |
| Net operating income to assets | 1.4572% | 1,314 |
| Return on assets (ROA) | 1.4832% | 1,291 |
| Pretax return on assets | 1.8749% | 921 |
| Return on Equity (ROE) | 13.5960% | 1,080 |
| Retained earnings to average equity (ytd only) | 13.5960% | 227 |
| Net charge-offs to loans | 0.0005% | 3,445 |
| Credit loss provision to net charge-offs | 30,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 4,426.4705% | 8 |
| Efficiency ratio | 46.1636% | 4,932 |
| Assets per employee ($millions) | 14.0965% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,490 |
| Loan loss allowance to noncurrent loans | 2,671.9807% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 4,537 |
| Noncurrent loans to loans | 0.0450% | 4,450 |
| Net loans and leases to total assets | 81.6058% | 617 |
| Net loans and leases to deposits | 99.3794% | 691 |
| Net loans and leases to core deposits | 123.8755% | 410 |
| Total domestic deposits to total assets | 82.1154% | 3,446 |
| Equity capital to assets | 10.9061% | 3,190 |
| Core capital (leverage) ratio | 10.8770% | 2,762 |
| Tier 1 risk-based capital ratio | 11.6143% | 4,612 |
| Total risk-based capital ratio | 12.4423% | 4,711 |
| Memoranda: | ||
| Average total assets | $2,090,128,750 | 409 |
| Average earning assets | $2,033,520,750 | 385 |
| Average equity | $228,011,750 | 427 |
| Average total loans | $1,749,297,000 | 367 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 1,490 |
| Cost of funding earning assets | 1.3561% | 629 |
| Net interest margin | 3.6424% | 3,125 |
| Noninterest income to average assets | 0.1213% | 4,960 |
| Noninterest expense to average assets | 1.7203% | 4,957 |
| Loan and lease loss provision to assets | 0.1174% | 1,596 |
| Net operating income to assets | 1.4626% | 1,254 |
| Return on assets (ROA) | 1.4984% | 1,208 |
| Pretax return on assets | 1.8749% | 881 |
| Return on Equity (ROE) | 13.7343% | 1,046 |
| Retained earnings to average equity (ytd only) | 13.7343% | 242 |
| Net charge-offs to loans | -0.0152% | 4,456 |
| Credit loss provision to net charge-offs | -916.0305% | 4,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6500% | 4,960 |
| Assets per employee ($millions) | 14.1211% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,518 |
| Loan loss allowance to noncurrent loans | 3,849.0090% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 4,387 |
| Noncurrent loans to loans | 0.0312% | 4,561 |
| Net loans and leases to total assets | 82.9439% | 478 |
| Net loans and leases to deposits | 101.6192% | 568 |
| Net loans and leases to core deposits | 129.1323% | 336 |
| Total domestic deposits to total assets | 81.6223% | 3,629 |
| Equity capital to assets | 11.0225% | 3,021 |
| Core capital (leverage) ratio | 10.9860% | 2,613 |
| Tier 1 risk-based capital ratio | 11.7267% | 4,556 |
| Total risk-based capital ratio | 12.6692% | 4,623 |
| Memoranda: | ||
| Average total assets | $2,044,422,330 | 416 |
| Average earning assets | $1,990,540,330 | 391 |
| Average equity | $223,046,670 | 431 |
| Average total loans | $1,719,166,670 | 372 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9591% | 1,446 |
| Cost of funding earning assets | 1.3576% | 531 |
| Net interest margin | 3.6015% | 3,242 |
| Noninterest income to average assets | 0.1273% | 4,967 |
| Noninterest expense to average assets | 1.5806% | 5,112 |
| Loan and lease loss provision to assets | 0.1195% | 1,465 |
| Net operating income to assets | 1.4405% | 1,267 |
| Return on assets (ROA) | 1.4398% | 1,298 |
| Pretax return on assets | 1.9347% | 735 |
| Return on Equity (ROE) | 13.2689% | 1,141 |
| Retained earnings to average equity (ytd only) | 13.2689% | 431 |
| Net charge-offs to loans | 0.0057% | 2,498 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 429.7917% | 179 |
| Efficiency ratio | 43.2102% | 5,124 |
| Assets per employee ($millions) | 14.3008% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,583 |
| Loan loss allowance to noncurrent loans | 1,323.5067% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 4,433 |
| Noncurrent loans to loans | 0.0906% | 4,344 |
| Net loans and leases to total assets | 83.0422% | 466 |
| Net loans and leases to deposits | 100.5748% | 592 |
| Net loans and leases to core deposits | 131.6191% | 289 |
| Total domestic deposits to total assets | 82.5676% | 3,556 |
| Equity capital to assets | 10.9221% | 2,927 |
| Core capital (leverage) ratio | 10.8841% | 2,676 |
| Tier 1 risk-based capital ratio | 11.7004% | 4,622 |
| Total risk-based capital ratio | 12.8261% | 4,583 |
| Memoranda: | ||
| Average total assets | $2,007,553,500 | 424 |
| Average earning assets | $1,955,747,000 | 403 |
| Average equity | $217,832,500 | 440 |
| Average total loans | $1,689,627,000 | 379 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9087% | 1,259 |
| Cost of funding earning assets | 1.0560% | 589 |
| Net interest margin | 3.8526% | 2,490 |
| Noninterest income to average assets | 0.1461% | 4,980 |
| Noninterest expense to average assets | 1.7778% | 5,021 |
| Loan and lease loss provision to assets | 0.2011% | 942 |
| Net operating income to assets | 1.5817% | 921 |
| Return on assets (ROA) | 1.5759% | 923 |
| Pretax return on assets | 1.9214% | 677 |
| Return on Equity (ROE) | 14.6506% | 907 |
| Retained earnings to average equity (ytd only) | 14.6506% | 134 |
| Net charge-offs to loans | 0.0031% | 3,629 |
| Credit loss provision to net charge-offs | 7,771.7391% | 66 |
| Earnings coverage of net charge-offs (x) | 822.8696% | 130 |
| Efficiency ratio | 45.2233% | 5,142 |
| Assets per employee ($millions) | 14.0720% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,534 |
| Loan loss allowance to noncurrent loans | 3,447.6764% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,714 |
| Noncurrent loans to loans | 0.0350% | 4,617 |
| Net loans and leases to total assets | 83.2646% | 486 |
| Net loans and leases to deposits | 102.1136% | 584 |
| Net loans and leases to core deposits | 136.2484% | 241 |
| Total domestic deposits to total assets | 81.5412% | 3,776 |
| Equity capital to assets | 10.7765% | 2,903 |
| Core capital (leverage) ratio | 10.8219% | 2,709 |
| Tier 1 risk-based capital ratio | 11.6304% | 4,652 |
| Total risk-based capital ratio | 12.7571% | 4,624 |
| Memoranda: | ||
| Average total assets | $1,777,470,000 | 461 |
| Average earning assets | $1,735,281,800 | 436 |
| Average equity | $191,199,800 | 467 |
| Average total loans | $1,491,926,600 | 404 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 1,346 |
| Cost of funding earning assets | 0.9732% | 669 |
| Net interest margin | 3.8566% | 2,451 |
| Noninterest income to average assets | 0.1329% | 5,094 |
| Noninterest expense to average assets | 1.5848% | 5,221 |
| Loan and lease loss provision to assets | 0.2140% | 784 |
| Net operating income to assets | 1.5448% | 1,078 |
| Return on assets (ROA) | 1.5382% | 1,097 |
| Pretax return on assets | 2.0940% | 489 |
| Return on Equity (ROE) | 14.3073% | 1,036 |
| Retained earnings to average equity (ytd only) | 14.3073% | 221 |
| Net charge-offs to loans | 0.0302% | 2,489 |
| Credit loss provision to net charge-offs | 846.0366% | 466 |
| Earnings coverage of net charge-offs (x) | 91.5950% | 808 |
| Efficiency ratio | 40.3415% | 5,325 |
| Assets per employee ($millions) | 13.5419% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,691 |
| Loan loss allowance to noncurrent loans | 2,639.1365% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 4,791 |
| Noncurrent loans to loans | 0.0450% | 4,697 |
| Net loans and leases to total assets | 83.7639% | 482 |
| Net loans and leases to deposits | 103.4509% | 575 |
| Net loans and leases to core deposits | 133.9270% | 273 |
| Total domestic deposits to total assets | 80.9697% | 3,878 |
| Equity capital to assets | 10.7235% | 2,919 |
| Core capital (leverage) ratio | 11.1613% | 2,441 |
| Tier 1 risk-based capital ratio | 11.8170% | 4,592 |
| Total risk-based capital ratio | 12.9458% | 4,563 |
| Memoranda: | ||
| Average total assets | $1,729,316,000 | 474 |
| Average earning assets | $1,689,688,000 | 443 |
| Average equity | $185,923,250 | 475 |
| Average total loans | $1,449,804,250 | 410 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7630% | 1,344 |
| Cost of funding earning assets | 0.8988% | 737 |
| Net interest margin | 3.8642% | 2,334 |
| Noninterest income to average assets | 0.1109% | 5,230 |
| Noninterest expense to average assets | 1.5513% | 5,302 |
| Loan and lease loss provision to assets | 0.1788% | 1,009 |
| Net operating income to assets | 1.5851% | 947 |
| Return on assets (ROA) | 1.5796% | 968 |
| Pretax return on assets | 2.1523% | 429 |
| Return on Equity (ROE) | 14.6777% | 923 |
| Retained earnings to average equity (ytd only) | 14.6777% | 225 |
| Net charge-offs to loans | 0.0480% | 1,927 |
| Credit loss provision to net charge-offs | 446.4286% | 766 |
| Earnings coverage of net charge-offs (x) | 58.3929% | 1,017 |
| Efficiency ratio | 39.5950% | 5,411 |
| Assets per employee ($millions) | 13.9778% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,654 |
| Loan loss allowance to noncurrent loans | 2,368.0965% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 4,772 |
| Noncurrent loans to loans | 0.0511% | 4,688 |
| Net loans and leases to total assets | 82.5077% | 651 |
| Net loans and leases to deposits | 98.6543% | 915 |
| Net loans and leases to core deposits | 127.8546% | 372 |
| Total domestic deposits to total assets | 83.6331% | 3,204 |
| Equity capital to assets | 11.1474% | 2,510 |
| Core capital (leverage) ratio | 11.3164% | 2,237 |
| Tier 1 risk-based capital ratio | 12.4375% | 4,228 |
| Total risk-based capital ratio | 13.5974% | 4,167 |
| Memoranda: | ||
| Average total assets | $1,678,313,670 | 486 |
| Average earning assets | $1,641,061,330 | 456 |
| Average equity | $180,614,330 | 483 |
| Average total loans | $1,401,187,000 | 417 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6524% | 1,428 |
| Cost of funding earning assets | 0.8523% | 759 |
| Net interest margin | 3.8001% | 2,427 |
| Noninterest income to average assets | 0.0942% | 5,351 |
| Noninterest expense to average assets | 1.5826% | 5,335 |
| Loan and lease loss provision to assets | 0.1460% | 1,274 |
| Net operating income to assets | 1.5213% | 1,031 |
| Return on assets (ROA) | 1.5213% | 1,031 |
| Pretax return on assets | 2.0824% | 487 |
| Return on Equity (ROE) | 14.4108% | 926 |
| Retained earnings to average equity (ytd only) | 14.4108% | 375 |
| Net charge-offs to loans | -0.0055% | 4,045 |
| Credit loss provision to net charge-offs | -3,157.8947% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2208% | 5,425 |
| Assets per employee ($millions) | 14.2053% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,673 |
| Loan loss allowance to noncurrent loans | 1,517.8191% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 4,668 |
| Noncurrent loans to loans | 0.0805% | 4,621 |
| Net loans and leases to total assets | 82.5764% | 591 |
| Net loans and leases to deposits | 98.8101% | 802 |
| Net loans and leases to core deposits | 131.0352% | 321 |
| Total domestic deposits to total assets | 83.5707% | 3,475 |
| Equity capital to assets | 11.1947% | 2,390 |
| Core capital (leverage) ratio | 11.5144% | 1,999 |
| Tier 1 risk-based capital ratio | 12.6722% | 4,129 |
| Total risk-based capital ratio | 13.8629% | 4,072 |
| Memoranda: | ||
| Average total assets | $1,643,857,500 | 498 |
| Average earning assets | $1,607,845,000 | 467 |
| Average equity | $173,536,000 | 499 |
| Average total loans | $1,372,149,500 | 427 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 1,176 |
| Cost of funding earning assets | 0.7645% | 766 |
| Net interest margin | 3.9440% | 1,940 |
| Noninterest income to average assets | 0.1863% | 5,027 |
| Noninterest expense to average assets | 1.8043% | 5,238 |
| Loan and lease loss provision to assets | 0.2894% | 607 |
| Net operating income to assets | 1.1840% | 1,567 |
| Return on assets (ROA) | 1.1729% | 1,630 |
| Pretax return on assets | 1.9255% | 575 |
| Return on Equity (ROE) | 12.1323% | 1,174 |
| Retained earnings to average equity (ytd only) | 12.1323% | 174 |
| Net charge-offs to loans | 0.0005% | 4,113 |
| Credit loss provision to net charge-offs | 69,583.3333% | 3 |
| Earnings coverage of net charge-offs (x) | 5,367.8333% | 10 |
| Efficiency ratio | 44.3725% | 5,443 |
| Assets per employee ($millions) | 14.1358% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,609 |
| Loan loss allowance to noncurrent loans | 1,448.8147% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 4,599 |
| Noncurrent loans to loans | 0.0848% | 4,622 |
| Net loans and leases to total assets | 82.3158% | 637 |
| Net loans and leases to deposits | 97.9402% | 910 |
| Net loans and leases to core deposits | 127.3113% | 407 |
| Total domestic deposits to total assets | 84.0470% | 3,190 |
| Equity capital to assets | 9.8929% | 3,825 |
| Core capital (leverage) ratio | 9.8283% | 3,664 |
| Tier 1 risk-based capital ratio | 11.1536% | 5,061 |
| Total risk-based capital ratio | 12.3674% | 4,962 |
| Memoranda: | ||
| Average total assets | $1,442,867,200 | 535 |
| Average earning assets | $1,408,559,000 | 503 |
| Average equity | $139,495,000 | 583 |
| Average total loans | $1,171,727,200 | 466 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 1,230 |
| Cost of funding earning assets | 0.7416% | 790 |
| Net interest margin | 3.9171% | 1,982 |
| Noninterest income to average assets | 0.1907% | 5,060 |
| Noninterest expense to average assets | 1.6290% | 5,425 |
| Loan and lease loss provision to assets | 0.2832% | 573 |
| Net operating income to assets | 1.3115% | 1,292 |
| Return on assets (ROA) | 1.3083% | 1,341 |
| Pretax return on assets | 2.0952% | 452 |
| Return on Equity (ROE) | 13.6241% | 904 |
| Retained earnings to average equity (ytd only) | 13.6241% | 173 |
| Net charge-offs to loans | 0.0105% | 3,346 |
| Credit loss provision to net charge-offs | 3,342.6966% | 136 |
| Earnings coverage of net charge-offs (x) | 281.3234% | 323 |
| Efficiency ratio | 40.2624% | 5,578 |
| Assets per employee ($millions) | 13.5000% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,931 |
| Loan loss allowance to noncurrent loans | 1,183.4370% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 4,590 |
| Noncurrent loans to loans | 0.1014% | 4,659 |
| Net loans and leases to total assets | 80.6840% | 886 |
| Net loans and leases to deposits | 95.5842% | 1,144 |
| Net loans and leases to core deposits | 124.3838% | 451 |
| Total domestic deposits to total assets | 84.4115% | 2,956 |
| Equity capital to assets | 10.0624% | 3,844 |
| Core capital (leverage) ratio | 10.1170% | 3,421 |
| Tier 1 risk-based capital ratio | 11.9169% | 4,686 |
| Total risk-based capital ratio | 13.1422% | 4,581 |
| Memoranda: | ||
| Average total assets | $1,400,712,500 | 547 |
| Average earning assets | $1,366,550,750 | 515 |
| Average equity | $134,513,000 | 614 |
| Average total loans | $1,128,906,750 | 483 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 1,225 |
| Cost of funding earning assets | 0.7279% | 769 |
| Net interest margin | 3.8891% | 1,970 |
| Noninterest income to average assets | 0.1527% | 5,296 |
| Noninterest expense to average assets | 1.6050% | 5,492 |
| Loan and lease loss provision to assets | 0.2629% | 624 |
| Net operating income to assets | 1.2993% | 1,302 |
| Return on assets (ROA) | 1.2931% | 1,339 |
| Pretax return on assets | 2.0644% | 475 |
| Return on Equity (ROE) | 13.7164% | 865 |
| Retained earnings to average equity (ytd only) | 13.7164% | 201 |
| Net charge-offs to loans | 0.0102% | 3,101 |
| Credit loss provision to net charge-offs | 3,227.2727% | 130 |
| Earnings coverage of net charge-offs (x) | 286.8545% | 295 |
| Efficiency ratio | 40.3577% | 5,621 |
| Assets per employee ($millions) | 12.8897% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 3,004 |
| Loan loss allowance to noncurrent loans | 938.1175% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 4,110 |
| Noncurrent loans to loans | 0.1281% | 4,611 |
| Net loans and leases to total assets | 80.0062% | 955 |
| Net loans and leases to deposits | 94.3690% | 1,229 |
| Net loans and leases to core deposits | 124.6159% | 420 |
| Total domestic deposits to total assets | 84.7802% | 2,895 |
| Equity capital to assets | 9.7567% | 4,172 |
| Core capital (leverage) ratio | 9.8017% | 3,776 |
| Tier 1 risk-based capital ratio | 11.7813% | 4,777 |
| Total risk-based capital ratio | 13.0261% | 4,670 |
| Memoranda: | ||
| Average total assets | $1,350,118,330 | 575 |
| Average earning assets | $1,315,514,670 | 540 |
| Average equity | $127,278,000 | 653 |
| Average total loans | $1,082,597,670 | 499 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 1,128 |
| Cost of funding earning assets | 0.7114% | 794 |
| Net interest margin | 3.8937% | 1,802 |
| Noninterest income to average assets | 0.1375% | 5,423 |
| Noninterest expense to average assets | 1.6784% | 5,489 |
| Loan and lease loss provision to assets | 0.2916% | 479 |
| Net operating income to assets | 1.2277% | 1,437 |
| Return on assets (ROA) | 1.2337% | 1,455 |
| Pretax return on assets | 1.9651% | 541 |
| Return on Equity (ROE) | 13.3454% | 934 |
| Retained earnings to average equity (ytd only) | 13.3454% | 350 |
| Net charge-offs to loans | 0.0258% | 2,240 |
| Credit loss provision to net charge-offs | 1,417.9104% | 238 |
| Earnings coverage of net charge-offs (x) | 109.2836% | 498 |
| Efficiency ratio | 42.3814% | 5,644 |
| Assets per employee ($millions) | 13.3769% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,994 |
| Loan loss allowance to noncurrent loans | 859.2978% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 3,712 |
| Noncurrent loans to loans | 0.1422% | 4,623 |
| Net loans and leases to total assets | 79.0520% | 974 |
| Net loans and leases to deposits | 92.8928% | 1,236 |
| Net loans and leases to core deposits | 121.3389% | 430 |
| Total domestic deposits to total assets | 85.1002% | 3,045 |
| Equity capital to assets | 9.4838% | 4,294 |
| Core capital (leverage) ratio | 9.7185% | 3,848 |
| Tier 1 risk-based capital ratio | 11.7453% | 4,887 |
| Total risk-based capital ratio | 12.9954% | 4,788 |
| Memoranda: | ||
| Average total assets | $1,303,352,500 | 591 |
| Average earning assets | $1,267,997,000 | 560 |
| Average equity | $120,491,000 | 683 |
| Average total loans | $1,039,365,000 | 517 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 990 |
| Cost of funding earning assets | 0.7279% | 707 |
| Net interest margin | 4.0088% | 1,612 |
| Noninterest income to average assets | 0.1588% | 5,417 |
| Noninterest expense to average assets | 1.8232% | 5,452 |
| Loan and lease loss provision to assets | 0.2974% | 638 |
| Net operating income to assets | 1.2126% | 1,463 |
| Return on assets (ROA) | 1.2612% | 1,405 |
| Pretax return on assets | 2.0345% | 458 |
| Return on Equity (ROE) | 13.5965% | 844 |
| Retained earnings to average equity (ytd only) | 9.1577% | 559 |
| Net charge-offs to loans | 0.1087% | 2,184 |
| Credit loss provision to net charge-offs | 335.3973% | 902 |
| Earnings coverage of net charge-offs (x) | 25.4448% | 1,588 |
| Efficiency ratio | 44.5013% | 5,679 |
| Assets per employee ($millions) | 12.9448% | 134 |
| Cash dividends to net income (ytd only)* | 32.6465% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,897 |
| Loan loss allowance to noncurrent loans | 530.9083% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 3,188 |
| Noncurrent loans to loans | 0.2329% | 4,317 |
| Net loans and leases to total assets | 78.4570% | 1,132 |
| Net loans and leases to deposits | 94.5248% | 1,140 |
| Net loans and leases to core deposits | 121.6484% | 441 |
| Total domestic deposits to total assets | 83.0015% | 3,766 |
| Equity capital to assets | 8.9874% | 4,834 |
| Core capital (leverage) ratio | 9.2416% | 4,424 |
| Tier 1 risk-based capital ratio | 11.3841% | 5,125 |
| Total risk-based capital ratio | 12.6345% | 5,024 |
| Memoranda: | ||
| Average total assets | $1,092,946,200 | 655 |
| Average earning assets | $1,068,832,400 | 619 |
| Average equity | $101,379,400 | 782 |
| Average total loans | $891,798,600 | 566 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 959 |
| Cost of funding earning assets | 0.7333% | 688 |
| Net interest margin | 4.0321% | 1,575 |
| Noninterest income to average assets | 0.1616% | 5,463 |
| Noninterest expense to average assets | 1.8578% | 5,449 |
| Loan and lease loss provision to assets | 0.2851% | 611 |
| Net operating income to assets | 1.2141% | 1,590 |
| Return on assets (ROA) | 1.2953% | 1,409 |
| Pretax return on assets | 2.0964% | 471 |
| Return on Equity (ROE) | 13.8362% | 860 |
| Retained earnings to average equity (ytd only) | 7.7458% | 1,284 |
| Net charge-offs to loans | 0.0841% | 2,124 |
| Credit loss provision to net charge-offs | 412.0879% | 823 |
| Earnings coverage of net charge-offs (x) | 32.5898% | 1,414 |
| Efficiency ratio | 45.0271% | 5,710 |
| Assets per employee ($millions) | 12.1807% | 162 |
| Cash dividends to net income (ytd only)* | 44.0184% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 3,057 |
| Loan loss allowance to noncurrent loans | 342.5408% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 3,626 |
| Noncurrent loans to loans | 0.3595% | 3,969 |
| Net loans and leases to total assets | 79.8106% | 915 |
| Net loans and leases to deposits | 95.1438% | 1,132 |
| Net loans and leases to core deposits | 120.0347% | 502 |
| Total domestic deposits to total assets | 83.8842% | 3,247 |
| Equity capital to assets | 9.4599% | 4,701 |
| Core capital (leverage) ratio | 9.1778% | 4,622 |
| Tier 1 risk-based capital ratio | 11.1906% | 5,262 |
| Total risk-based capital ratio | 12.4344% | 5,174 |
| Memoranda: | ||
| Average total assets | $1,052,272,000 | 686 |
| Average earning assets | $1,031,078,500 | 640 |
| Average equity | $98,511,750 | 804 |
| Average total loans | $865,380,000 | 578 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 1,057 |
| Cost of funding earning assets | 0.7407% | 662 |
| Net interest margin | 3.9562% | 1,788 |
| Noninterest income to average assets | 0.0858% | 5,823 |
| Noninterest expense to average assets | 1.8510% | 5,535 |
| Loan and lease loss provision to assets | 0.2973% | 608 |
| Net operating income to assets | 1.1231% | 1,877 |
| Return on assets (ROA) | 1.2079% | 1,670 |
| Pretax return on assets | 1.9515% | 631 |
| Return on Equity (ROE) | 12.9554% | 1,043 |
| Retained earnings to average equity (ytd only) | 3.3903% | 3,732 |
| Net charge-offs to loans | 0.0062% | 3,472 |
| Credit loss provision to net charge-offs | 5,769.2308% | 72 |
| Earnings coverage of net charge-offs (x) | 410.6923% | 168 |
| Efficiency ratio | 46.6031% | 5,729 |
| Assets per employee ($millions) | 11.7207% | 169 |
| Cash dividends to net income (ytd only)* | 73.8310% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,829 |
| Loan loss allowance to noncurrent loans | 284.6629% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 3,431 |
| Noncurrent loans to loans | 0.4540% | 3,745 |
| Net loans and leases to total assets | 78.2307% | 1,168 |
| Net loans and leases to deposits | 91.2918% | 1,593 |
| Net loans and leases to core deposits | 115.4030% | 659 |
| Total domestic deposits to total assets | 85.6930% | 2,560 |
| Equity capital to assets | 9.2221% | 5,050 |
| Core capital (leverage) ratio | 9.3167% | 4,440 |
| Tier 1 risk-based capital ratio | 10.9966% | 5,423 |
| Total risk-based capital ratio | 12.2475% | 5,344 |
| Memoranda: | ||
| Average total assets | $1,009,187,000 | 714 |
| Average earning assets | $990,101,000 | 669 |
| Average equity | $94,092,000 | 848 |
| Average total loans | $835,593,330 | 592 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 876 |
| Cost of funding earning assets | 0.7565% | 615 |
| Net interest margin | 4.0323% | 1,526 |
| Noninterest income to average assets | 0.0858% | 5,867 |
| Noninterest expense to average assets | 1.8352% | 5,607 |
| Loan and lease loss provision to assets | 0.3154% | 485 |
| Net operating income to assets | 1.1703% | 1,645 |
| Return on assets (ROA) | 1.2570% | 1,482 |
| Pretax return on assets | 2.0337% | 528 |
| Return on Equity (ROE) | 13.3953% | 947 |
| Retained earnings to average equity (ytd only) | -6.7716% | 5,707 |
| Net charge-offs to loans | 0.0168% | 2,598 |
| Credit loss provision to net charge-offs | 2,205.8824% | 192 |
| Earnings coverage of net charge-offs (x) | 154.8235% | 390 |
| Efficiency ratio | 45.3261% | 5,838 |
| Assets per employee ($millions) | 13.2075% | 118 |
| Cash dividends to net income (ytd only)* | 150.5520% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,830 |
| Loan loss allowance to noncurrent loans | 340.2212% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 4,001 |
| Noncurrent loans to loans | 0.3862% | 4,056 |
| Net loans and leases to total assets | 82.7384% | 476 |
| Net loans and leases to deposits | 97.8365% | 771 |
| Net loans and leases to core deposits | 123.7853% | 373 |
| Total domestic deposits to total assets | 84.5681% | 3,289 |
| Equity capital to assets | 9.5479% | 4,625 |
| Core capital (leverage) ratio | 9.6548% | 3,963 |
| Tier 1 risk-based capital ratio | 11.7503% | 5,081 |
| Total risk-based capital ratio | 13.0019% | 4,989 |
| Memoranda: | ||
| Average total assets | $951,186,500 | 761 |
| Average earning assets | $934,849,000 | 706 |
| Average equity | $89,255,000 | 896 |
| Average total loans | $807,506,000 | 615 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0029% | 626 |
| Cost of funding earning assets | 0.7163% | 757 |
| Net interest margin | 4.2866% | 988 |
| Noninterest income to average assets | 0.1394% | 5,716 |
| Noninterest expense to average assets | 1.8132% | 5,718 |
| Loan and lease loss provision to assets | 0.1879% | 1,190 |
| Net operating income to assets | 1.4328% | 977 |
| Return on assets (ROA) | 1.4788% | 926 |
| Pretax return on assets | 2.4167% | 233 |
| Return on Equity (ROE) | 15.9340% | 561 |
| Retained earnings to average equity (ytd only) | 15.9340% | 116 |
| Net charge-offs to loans | 0.1372% | 1,983 |
| Credit loss provision to net charge-offs | 160.2564% | 1,680 |
| Earnings coverage of net charge-offs (x) | 21.6026% | 1,808 |
| Efficiency ratio | 41.7224% | 6,033 |
| Assets per employee ($millions) | 13.0284% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 3,090 |
| Loan loss allowance to noncurrent loans | 429.9401% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 4,257 |
| Noncurrent loans to loans | 0.2939% | 4,404 |
| Net loans and leases to total assets | 84.9220% | 320 |
| Net loans and leases to deposits | 101.9259% | 543 |
| Net loans and leases to core deposits | 125.9814% | 337 |
| Total domestic deposits to total assets | 83.3174% | 3,736 |
| Equity capital to assets | 9.2099% | 4,890 |
| Core capital (leverage) ratio | 9.4889% | 4,185 |
| Tier 1 risk-based capital ratio | 11.0597% | 5,491 |
| Total risk-based capital ratio | 12.3107% | 5,392 |
| Memoranda: | ||
| Average total assets | $798,358,800 | 869 |
| Average earning assets | $783,443,600 | 806 |
| Average equity | $74,093,000 | 1,031 |
| Average total loans | $682,085,800 | 691 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 571 |
| Cost of funding earning assets | 0.7204% | 752 |
| Net interest margin | 4.3176% | 930 |
| Noninterest income to average assets | 0.1423% | 5,772 |
| Noninterest expense to average assets | 1.7646% | 5,830 |
| Loan and lease loss provision to assets | 0.2609% | 637 |
| Net operating income to assets | 1.4345% | 1,037 |
| Return on assets (ROA) | 1.4848% | 974 |
| Pretax return on assets | 2.4292% | 266 |
| Return on Equity (ROE) | 15.9619% | 597 |
| Retained earnings to average equity (ytd only) | 15.9619% | 128 |
| Net charge-offs to loans | 0.1191% | 1,928 |
| Credit loss provision to net charge-offs | 256.8493% | 1,111 |
| Earnings coverage of net charge-offs (x) | 25.7140% | 1,650 |
| Efficiency ratio | 40.3235% | 6,128 |
| Assets per employee ($millions) | 12.4718% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 2,403 |
| Loan loss allowance to noncurrent loans | 336.1551% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5927% | 3,501 |
| Noncurrent loans to loans | 0.4287% | 4,066 |
| Net loans and leases to total assets | 85.1474% | 289 |
| Net loans and leases to deposits | 99.8211% | 671 |
| Net loans and leases to core deposits | 124.4791% | 365 |
| Total domestic deposits to total assets | 85.3000% | 2,885 |
| Equity capital to assets | 9.1222% | 5,194 |
| Core capital (leverage) ratio | 9.1527% | 4,805 |
| Tier 1 risk-based capital ratio | 11.0191% | 5,652 |
| Total risk-based capital ratio | 12.2724% | 5,551 |
| Memoranda: | ||
| Average total assets | $766,694,500 | 905 |
| Average earning assets | $751,811,750 | 851 |
| Average equity | $71,318,000 | 1,075 |
| Average total loans | $653,708,750 | 723 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9970% | 600 |
| Cost of funding earning assets | 0.7131% | 790 |
| Net interest margin | 4.2839% | 952 |
| Noninterest income to average assets | 0.0653% | 6,129 |
| Noninterest expense to average assets | 1.7907% | 5,864 |
| Loan and lease loss provision to assets | 0.4034% | 286 |
| Net operating income to assets | 1.2682% | 1,407 |
| Return on assets (ROA) | 1.3094% | 1,355 |
| Pretax return on assets | 2.1344% | 466 |
| Return on Equity (ROE) | 13.9749% | 908 |
| Retained earnings to average equity (ytd only) | 13.9749% | 235 |
| Net charge-offs to loans | 0.0884% | 2,152 |
| Credit loss provision to net charge-offs | 537.6344% | 598 |
| Earnings coverage of net charge-offs (x) | 32.9677% | 1,285 |
| Efficiency ratio | 41.9941% | 6,170 |
| Assets per employee ($millions) | 12.0832% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 1,833 |
| Loan loss allowance to noncurrent loans | 1,166.5577% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 3,986 |
| Noncurrent loans to loans | 0.1392% | 5,191 |
| Net loans and leases to total assets | 82.5919% | 505 |
| Net loans and leases to deposits | 96.3339% | 932 |
| Net loans and leases to core deposits | 121.3522% | 435 |
| Total domestic deposits to total assets | 85.7350% | 2,825 |
| Equity capital to assets | 9.1587% | 5,072 |
| Core capital (leverage) ratio | 9.3211% | 4,525 |
| Tier 1 risk-based capital ratio | 11.5312% | 5,442 |
| Total risk-based capital ratio | 12.7870% | 5,363 |
| Memoranda: | ||
| Average total assets | $743,722,670 | 933 |
| Average earning assets | $728,954,000 | 882 |
| Average equity | $69,682,000 | 1,104 |
| Average total loans | $630,977,000 | 743 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9056% | 692 |
| Cost of funding earning assets | 0.6902% | 891 |
| Net interest margin | 4.2154% | 1,030 |
| Noninterest income to average assets | 0.0415% | 6,252 |
| Noninterest expense to average assets | 1.8139% | 5,878 |
| Loan and lease loss provision to assets | 0.4150% | 273 |
| Net operating income to assets | 1.2041% | 1,536 |
| Return on assets (ROA) | 1.2887% | 1,398 |
| Pretax return on assets | 2.0778% | 509 |
| Return on Equity (ROE) | 13.5888% | 960 |
| Retained earnings to average equity (ytd only) | 13.5888% | 393 |
| Net charge-offs to loans | 0.2036% | 1,119 |
| Credit loss provision to net charge-offs | 238.8535% | 941 |
| Earnings coverage of net charge-offs (x) | 13.5860% | 1,714 |
| Efficiency ratio | 43.4517% | 6,197 |
| Assets per employee ($millions) | 11.6539% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 2,193 |
| Loan loss allowance to noncurrent loans | 462.4418% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 3,601 |
| Noncurrent loans to loans | 0.3372% | 4,578 |
| Net loans and leases to total assets | 83.9874% | 307 |
| Net loans and leases to deposits | 97.1091% | 760 |
| Net loans and leases to core deposits | 120.4583% | 402 |
| Total domestic deposits to total assets | 86.4876% | 2,674 |
| Equity capital to assets | 9.4180% | 4,841 |
| Core capital (leverage) ratio | 9.5852% | 4,166 |
| Tier 1 risk-based capital ratio | 11.2565% | 5,685 |
| Total risk-based capital ratio | 12.5110% | 5,596 |
| Memoranda: | ||
| Average total assets | $722,881,500 | 960 |
| Average earning assets | $708,742,000 | 909 |
| Average equity | $68,556,500 | 1,126 |
| Average total loans | $616,770,500 | 760 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 644 |
| Cost of funding earning assets | 0.6036% | 1,732 |
| Net interest margin | 4.4901% | 763 |
| Noninterest income to average assets | 0.1728% | 5,820 |
| Noninterest expense to average assets | 1.7828% | 6,090 |
| Loan and lease loss provision to assets | 0.2288% | 1,064 |
| Net operating income to assets | 1.5648% | 768 |
| Return on assets (ROA) | 1.5912% | 755 |
| Pretax return on assets | 2.6073% | 160 |
| Return on Equity (ROE) | 18.0721% | 387 |
| Retained earnings to average equity (ytd only) | 18.0721% | 87 |
| Net charge-offs to loans | 0.0689% | 3,492 |
| Credit loss provision to net charge-offs | 403.2258% | 641 |
| Earnings coverage of net charge-offs (x) | 49.2527% | 936 |
| Efficiency ratio | 38.9450% | 6,413 |
| Assets per employee ($millions) | 11.2890% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 2,132 |
| Loan loss allowance to noncurrent loans | 1,027.9523% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 3,956 |
| Noncurrent loans to loans | 0.1546% | 5,277 |
| Net loans and leases to total assets | 83.9689% | 344 |
| Net loans and leases to deposits | 97.2717% | 811 |
| Net loans and leases to core deposits | 116.8214% | 501 |
| Total domestic deposits to total assets | 86.3241% | 2,656 |
| Equity capital to assets | 9.5539% | 4,652 |
| Core capital (leverage) ratio | 9.7019% | 3,967 |
| Tier 1 risk-based capital ratio | 11.4729% | 5,680 |
| Total risk-based capital ratio | 12.7279% | 5,595 |
| Memoranda: | ||
| Average total assets | $655,550,800 | 1,022 |
| Average earning assets | $643,101,000 | 956 |
| Average equity | $57,718,800 | 1,264 |
| Average total loans | $539,588,600 | 817 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 684 |
| Cost of funding earning assets | 0.5859% | 1,960 |
| Net interest margin | 4.4851% | 762 |
| Noninterest income to average assets | 0.2201% | 5,616 |
| Noninterest expense to average assets | 1.6584% | 6,242 |
| Loan and lease loss provision to assets | 0.3103% | 616 |
| Net operating income to assets | 1.6258% | 708 |
| Return on assets (ROA) | 1.6518% | 699 |
| Pretax return on assets | 2.6935% | 160 |
| Return on Equity (ROE) | 19.2041% | 331 |
| Retained earnings to average equity (ytd only) | 19.2041% | 80 |
| Net charge-offs to loans | 0.1247% | 2,562 |
| Credit loss provision to net charge-offs | 305.4990% | 895 |
| Earnings coverage of net charge-offs (x) | 29.1711% | 1,398 |
| Efficiency ratio | 35.8834% | 6,507 |
| Assets per employee ($millions) | 11.4179% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 2,082 |
| Loan loss allowance to noncurrent loans | 783.4448% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 4,175 |
| Noncurrent loans to loans | 0.2125% | 5,268 |
| Net loans and leases to total assets | 83.5606% | 357 |
| Net loans and leases to deposits | 94.9659% | 964 |
| Net loans and leases to core deposits | 115.0330% | 549 |
| Total domestic deposits to total assets | 87.9902% | 1,777 |
| Equity capital to assets | 9.2374% | 5,102 |
| Core capital (leverage) ratio | 9.1611% | 4,834 |
| Tier 1 risk-based capital ratio | 10.9898% | 5,992 |
| Total risk-based capital ratio | 12.2455% | 5,939 |
| Memoranda: | ||
| Average total assets | $644,459,750 | 1,053 |
| Average earning assets | $632,453,000 | 981 |
| Average equity | $55,431,250 | 1,320 |
| Average total loans | $525,186,000 | 842 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 825 |
| Cost of funding earning assets | 0.5677% | 2,183 |
| Net interest margin | 4.3773% | 886 |
| Noninterest income to average assets | 0.1287% | 6,168 |
| Noninterest expense to average assets | 1.6068% | 6,353 |
| Loan and lease loss provision to assets | 0.4698% | 328 |
| Net operating income to assets | 1.4425% | 977 |
| Return on assets (ROA) | 1.4718% | 961 |
| Pretax return on assets | 2.3917% | 259 |
| Return on Equity (ROE) | 17.5608% | 500 |
| Retained earnings to average equity (ytd only) | 17.5608% | 131 |
| Net charge-offs to loans | 0.0277% | 3,640 |
| Credit loss provision to net charge-offs | 2,112.6761% | 172 |
| Earnings coverage of net charge-offs (x) | 126.6197% | 474 |
| Efficiency ratio | 36.3314% | 6,576 |
| Assets per employee ($millions) | 11.3625% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 1,893 |
| Loan loss allowance to noncurrent loans | 600.5521% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 3,903 |
| Noncurrent loans to loans | 0.2965% | 5,131 |
| Net loans and leases to total assets | 81.9321% | 471 |
| Net loans and leases to deposits | 92.5715% | 1,089 |
| Net loans and leases to core deposits | 112.0509% | 599 |
| Total domestic deposits to total assets | 88.5068% | 1,633 |
| Equity capital to assets | 8.7531% | 5,570 |
| Core capital (leverage) ratio | 8.8354% | 5,239 |
| Tier 1 risk-based capital ratio | 10.6521% | 6,199 |
| Total risk-based capital ratio | 11.9094% | 6,143 |
| Memoranda: | ||
| Average total assets | $638,533,000 | 1,058 |
| Average earning assets | $626,362,670 | 987 |
| Average equity | $53,517,000 | 1,357 |
| Average total loans | $512,667,330 | 865 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7378% | 1,173 |
| Cost of funding earning assets | 0.5702% | 2,241 |
| Net interest margin | 4.1676% | 1,303 |
| Noninterest income to average assets | 0.0605% | 6,458 |
| Noninterest expense to average assets | 1.5770% | 6,447 |
| Loan and lease loss provision to assets | 0.4775% | 321 |
| Net operating income to assets | 1.2930% | 1,236 |
| Return on assets (ROA) | 1.2930% | 1,281 |
| Pretax return on assets | 2.0914% | 433 |
| Return on Equity (ROE) | 15.7953% | 665 |
| Retained earnings to average equity (ytd only) | 15.7953% | 283 |
| Net charge-offs to loans | 0.0146% | 3,304 |
| Credit loss provision to net charge-offs | 4,166.6667% | 98 |
| Earnings coverage of net charge-offs (x) | 224.1667% | 220 |
| Efficiency ratio | 38.0375% | 6,620 |
| Assets per employee ($millions) | 14.1763% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7750% | 2,118 |
| Loan loss allowance to noncurrent loans | 222.5704% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.2192% | 2,826 |
| Noncurrent loans to loans | 0.7975% | 3,880 |
| Net loans and leases to total assets | 73.9412% | 1,275 |
| Net loans and leases to deposits | 80.3870% | 2,242 |
| Net loans and leases to core deposits | 93.7503% | 1,571 |
| Total domestic deposits to total assets | 91.9815% | 243 |
| Equity capital to assets | 7.7333% | 6,218 |
| Core capital (leverage) ratio | 8.4022% | 5,745 |
| Tier 1 risk-based capital ratio | 10.2347% | 6,415 |
| Total risk-based capital ratio | 11.4914% | 6,373 |
| Memoranda: | ||
| Average total assets | $628,287,000 | 1,083 |
| Average earning assets | $615,898,500 | 1,014 |
| Average equity | $51,433,000 | 1,408 |
| Average total loans | $494,130,000 | 900 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3518% | 480 |
| Cost of funding earning assets | 0.7158% | 1,706 |
| Net interest margin | 4.6360% | 564 |
| Noninterest income to average assets | 0.1093% | 6,356 |
| Noninterest expense to average assets | 1.8050% | 6,309 |
| Loan and lease loss provision to assets | 0.5938% | 421 |
| Net operating income to assets | 1.3674% | 1,097 |
| Return on assets (ROA) | 1.3674% | 1,141 |
| Pretax return on assets | 2.2322% | 298 |
| Return on Equity (ROE) | 15.7577% | 649 |
| Retained earnings to average equity (ytd only) | 13.4766% | 223 |
| Net charge-offs to loans | 0.5089% | 1,302 |
| Credit loss provision to net charge-offs | 139.2758% | 1,676 |
| Earnings coverage of net charge-offs (x) | 6.6281% | 3,018 |
| Efficiency ratio | 38.9767% | 6,710 |
| Assets per employee ($millions) | 12.5242% | 127 |
| Cash dividends to net income (ytd only)* | 14.4760% | 3,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 2,213 |
| Loan loss allowance to noncurrent loans | 175.0419% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 2,453 |
| Noncurrent loans to loans | 1.0033% | 3,508 |
| Net loans and leases to total assets | 81.1763% | 479 |
| Net loans and leases to deposits | 89.1085% | 1,334 |
| Net loans and leases to core deposits | 108.1478% | 690 |
| Total domestic deposits to total assets | 91.0983% | 535 |
| Equity capital to assets | 8.7212% | 5,344 |
| Core capital (leverage) ratio | 9.0224% | 4,959 |
| Tier 1 risk-based capital ratio | 10.7885% | 6,267 |
| Total risk-based capital ratio | 12.0451% | 6,214 |
| Memoranda: | ||
| Average total assets | $505,205,800 | 1,320 |
| Average earning assets | $492,748,200 | 1,238 |
| Average equity | $43,838,800 | 1,594 |
| Average total loans | $423,268,800 | 1,012 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4015% | 443 |
| Cost of funding earning assets | 0.7354% | 1,702 |
| Net interest margin | 4.6661% | 546 |
| Noninterest income to average assets | 0.1879% | 6,066 |
| Noninterest expense to average assets | 1.7387% | 6,426 |
| Loan and lease loss provision to assets | 0.6154% | 387 |
| Net operating income to assets | 1.4477% | 987 |
| Return on assets (ROA) | 1.4477% | 1,044 |
| Pretax return on assets | 2.3804% | 281 |
| Return on Equity (ROE) | 16.7083% | 567 |
| Retained earnings to average equity (ytd only) | 13.5516% | 287 |
| Net charge-offs to loans | 0.6877% | 874 |
| Credit loss provision to net charge-offs | 106.3830% | 2,204 |
| Earnings coverage of net charge-offs (x) | 5.1787% | 3,263 |
| Efficiency ratio | 36.7244% | 6,791 |
| Assets per employee ($millions) | 11.7471% | 146 |
| Cash dividends to net income (ytd only)* | 18.8929% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6813% | 2,692 |
| Loan loss allowance to noncurrent loans | 228.6013% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 2,850 |
| Noncurrent loans to loans | 0.7355% | 4,380 |
| Net loans and leases to total assets | 82.7782% | 309 |
| Net loans and leases to deposits | 93.5405% | 859 |
| Net loans and leases to core deposits | 112.5834% | 486 |
| Total domestic deposits to total assets | 88.4945% | 1,839 |
| Equity capital to assets | 9.0069% | 5,177 |
| Core capital (leverage) ratio | 9.5514% | 4,332 |
| Tier 1 risk-based capital ratio | 10.7601% | 6,374 |
| Total risk-based capital ratio | 12.0156% | 6,343 |
| Memoranda: | ||
| Average total assets | $487,478,750 | 1,369 |
| Average earning assets | $474,988,500 | 1,294 |
| Average equity | $42,237,500 | 1,671 |
| Average total loans | $410,079,000 | 1,042 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 421 |
| Cost of funding earning assets | 0.7570% | 1,661 |
| Net interest margin | 4.6748% | 529 |
| Noninterest income to average assets | 0.1039% | 6,518 |
| Noninterest expense to average assets | 1.7269% | 6,472 |
| Loan and lease loss provision to assets | 0.6385% | 388 |
| Net operating income to assets | 1.3881% | 1,105 |
| Return on assets (ROA) | 1.3881% | 1,188 |
| Pretax return on assets | 2.2888% | 352 |
| Return on Equity (ROE) | 16.2670% | 635 |
| Retained earnings to average equity (ytd only) | 11.2787% | 597 |
| Net charge-offs to loans | 0.6697% | 982 |
| Credit loss provision to net charge-offs | 113.3787% | 1,947 |
| Earnings coverage of net charge-offs (x) | 5.1980% | 2,949 |
| Efficiency ratio | 37.1044% | 6,833 |
| Assets per employee ($millions) | 11.6311% | 152 |
| Cash dividends to net income (ytd only)* | 30.6654% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 2,205 |
| Loan loss allowance to noncurrent loans | 193.9233% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 1.7541% | 2,484 |
| Noncurrent loans to loans | 0.9628% | 4,011 |
| Net loans and leases to total assets | 82.7462% | 312 |
| Net loans and leases to deposits | 90.4937% | 1,098 |
| Net loans and leases to core deposits | 108.8368% | 612 |
| Total domestic deposits to total assets | 91.4386% | 403 |
| Equity capital to assets | 8.3174% | 5,955 |
| Core capital (leverage) ratio | 8.5583% | 5,597 |
| Tier 1 risk-based capital ratio | 9.7414% | 6,683 |
| Total risk-based capital ratio | 10.9988% | 6,664 |
| Memoranda: | ||
| Average total assets | $469,849,670 | 1,411 |
| Average earning assets | $457,344,330 | 1,330 |
| Average equity | $40,093,330 | 1,754 |
| Average total loans | $395,120,670 | 1,084 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3111% | 506 |
| Cost of funding earning assets | 0.7675% | 1,728 |
| Net interest margin | 4.5435% | 627 |
| Noninterest income to average assets | 0.0339% | 6,784 |
| Noninterest expense to average assets | 1.6842% | 6,578 |
| Loan and lease loss provision to assets | 0.6514% | 371 |
| Net operating income to assets | 1.2907% | 1,305 |
| Return on assets (ROA) | 1.2907% | 1,405 |
| Pretax return on assets | 2.1150% | 477 |
| Return on Equity (ROE) | 14.9255% | 785 |
| Retained earnings to average equity (ytd only) | 14.9255% | 359 |
| Net charge-offs to loans | 1.1460% | 516 |
| Credit loss provision to net charge-offs | 67.6895% | 2,327 |
| Earnings coverage of net charge-offs (x) | 2.8745% | 2,912 |
| Efficiency ratio | 37.8415% | 6,905 |
| Assets per employee ($millions) | 12.4648% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8232% | 2,540 |
| Loan loss allowance to noncurrent loans | 235.3173% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 2.0206% | 2,316 |
| Noncurrent loans to loans | 0.7748% | 4,568 |
| Net loans and leases to total assets | 83.5509% | 210 |
| Net loans and leases to deposits | 91.8289% | 818 |
| Net loans and leases to core deposits | 109.0158% | 527 |
| Total domestic deposits to total assets | 90.9854% | 527 |
| Equity capital to assets | 8.7904% | 5,719 |
| Core capital (leverage) ratio | 8.7411% | 5,272 |
| Tier 1 risk-based capital ratio | 10.0401% | 6,687 |
| Total risk-based capital ratio | 11.2970% | 6,671 |
| Memoranda: | ||
| Average total assets | $460,520,500 | 1,457 |
| Average earning assets | $447,669,000 | 1,379 |
| Average equity | $39,824,500 | 1,786 |
| Average total loans | $386,724,500 | 1,105 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 607 |
| Cost of funding earning assets | 0.9561% | 1,607 |
| Net interest margin | 4.5550% | 849 |
| Noninterest income to average assets | 0.0551% | 6,666 |
| Noninterest expense to average assets | 1.6056% | 6,800 |
| Loan and lease loss provision to assets | 1.0159% | 401 |
| Net operating income to assets | 1.1428% | 1,796 |
| Return on assets (ROA) | 1.1428% | 1,966 |
| Pretax return on assets | 1.8592% | 809 |
| Return on Equity (ROE) | 13.4074% | 1,127 |
| Retained earnings to average equity (ytd only) | 11.3710% | 398 |
| Net charge-offs to loans | 1.1379% | 914 |
| Credit loss provision to net charge-offs | 108.0482% | 2,733 |
| Earnings coverage of net charge-offs (x) | 3.0578% | 3,905 |
| Efficiency ratio | 35.8331% | 6,992 |
| Assets per employee ($millions) | 13.5248% | 116 |
| Cash dividends to net income (ytd only)* | 15.1883% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 2,093 |
| Loan loss allowance to noncurrent loans | 179.8468% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 2.1270% | 2,301 |
| Noncurrent loans to loans | 1.0967% | 4,013 |
| Net loans and leases to total assets | 81.2112% | 383 |
| Net loans and leases to deposits | 91.0553% | 979 |
| Net loans and leases to core deposits | 106.7721% | 658 |
| Total domestic deposits to total assets | 89.1889% | 1,442 |
| Equity capital to assets | 8.5046% | 6,050 |
| Core capital (leverage) ratio | 8.5559% | 5,531 |
| Tier 1 risk-based capital ratio | 9.8160% | 6,747 |
| Total risk-based capital ratio | 11.0743% | 6,713 |
| Memoranda: | ||
| Average total assets | $432,114,200 | 1,527 |
| Average earning assets | $419,846,800 | 1,432 |
| Average equity | $36,830,400 | 1,886 |
| Average total loans | $357,066,400 | 1,169 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5149% | 657 |
| Cost of funding earning assets | 1.0031% | 1,537 |
| Net interest margin | 4.5118% | 968 |
| Noninterest income to average assets | 0.1737% | 6,265 |
| Noninterest expense to average assets | 1.5930% | 6,882 |
| Loan and lease loss provision to assets | 1.0474% | 376 |
| Net operating income to assets | 1.1741% | 1,817 |
| Return on assets (ROA) | 1.1741% | 2,010 |
| Pretax return on assets | 1.9169% | 841 |
| Return on Equity (ROE) | 13.7665% | 1,159 |
| Retained earnings to average equity (ytd only) | 11.0088% | 683 |
| Net charge-offs to loans | 0.6866% | 1,605 |
| Credit loss provision to net charge-offs | 184.7345% | 1,501 |
| Earnings coverage of net charge-offs (x) | 5.2284% | 3,074 |
| Efficiency ratio | 34.9549% | 7,084 |
| Assets per employee ($millions) | 13.8429% | 106 |
| Cash dividends to net income (ytd only)* | 20.0321% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3555% | 1,427 |
| Loan loss allowance to noncurrent loans | 90.7001% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 3.1623% | 1,637 |
| Noncurrent loans to loans | 2.5970% | 2,201 |
| Net loans and leases to total assets | 81.5944% | 379 |
| Net loans and leases to deposits | 89.4497% | 1,209 |
| Net loans and leases to core deposits | 105.5619% | 764 |
| Total domestic deposits to total assets | 91.2182% | 352 |
| Equity capital to assets | 8.5768% | 6,193 |
| Core capital (leverage) ratio | 8.5413% | 5,697 |
| Tier 1 risk-based capital ratio | 9.7563% | 6,855 |
| Total risk-based capital ratio | 11.0192% | 6,838 |
| Memoranda: | ||
| Average total assets | $425,182,000 | 1,560 |
| Average earning assets | $413,098,250 | 1,476 |
| Average equity | $36,261,000 | 1,930 |
| Average total loans | $351,093,500 | 1,192 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4984% | 725 |
| Cost of funding earning assets | 1.0441% | 1,502 |
| Net interest margin | 4.4543% | 1,073 |
| Noninterest income to average assets | -0.0301% | 7,033 |
| Noninterest expense to average assets | 1.5146% | 6,997 |
| Loan and lease loss provision to assets | 0.9493% | 476 |
| Net operating income to assets | 1.1220% | 1,970 |
| Return on assets (ROA) | 1.1220% | 2,187 |
| Pretax return on assets | 1.8285% | 985 |
| Return on Equity (ROE) | 13.1825% | 1,314 |
| Retained earnings to average equity (ytd only) | 8.9789% | 1,285 |
| Net charge-offs to loans | 0.6660% | 1,654 |
| Credit loss provision to net charge-offs | 173.3449% | 1,619 |
| Earnings coverage of net charge-offs (x) | 5.0723% | 2,914 |
| Efficiency ratio | 35.2856% | 7,129 |
| Assets per employee ($millions) | 13.6002% | 105 |
| Cash dividends to net income (ytd only)* | 31.8878% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2311% | 1,703 |
| Loan loss allowance to noncurrent loans | 135.6479% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 2.4942% | 2,240 |
| Noncurrent loans to loans | 1.6447% | 3,439 |
| Net loans and leases to total assets | 80.8454% | 423 |
| Net loans and leases to deposits | 88.3984% | 1,334 |
| Net loans and leases to core deposits | 105.4059% | 772 |
| Total domestic deposits to total assets | 91.4558% | 318 |
| Equity capital to assets | 8.3788% | 6,319 |
| Core capital (leverage) ratio | 8.5693% | 5,562 |
| Tier 1 risk-based capital ratio | 9.9911% | 6,831 |
| Total risk-based capital ratio | 11.2535% | 6,807 |
| Memoranda: | ||
| Average total assets | $419,251,330 | 1,587 |
| Average earning assets | $406,845,670 | 1,500 |
| Average equity | $35,683,670 | 1,941 |
| Average total loans | $344,737,670 | 1,223 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4632% | 805 |
| Cost of funding earning assets | 1.0934% | 1,434 |
| Net interest margin | 4.3698% | 1,290 |
| Noninterest income to average assets | 0.0302% | 7,011 |
| Noninterest expense to average assets | 1.5163% | 7,047 |
| Loan and lease loss provision to assets | 1.0212% | 400 |
| Net operating income to assets | 1.0640% | 2,232 |
| Return on assets (ROA) | 1.0640% | 2,426 |
| Pretax return on assets | 1.7293% | 1,235 |
| Return on Equity (ROE) | 12.3991% | 1,554 |
| Retained earnings to average equity (ytd only) | 12.3991% | 768 |
| Net charge-offs to loans | 0.4401% | 1,990 |
| Credit loss provision to net charge-offs | 283.0189% | 1,035 |
| Earnings coverage of net charge-offs (x) | 7.6226% | 2,058 |
| Efficiency ratio | 35.5368% | 7,186 |
| Assets per employee ($millions) | 14.7239% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2736% | 1,728 |
| Loan loss allowance to noncurrent loans | 108.0643% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 3.4313% | 1,677 |
| Noncurrent loans to loans | 2.1040% | 3,029 |
| Net loans and leases to total assets | 82.0102% | 279 |
| Net loans and leases to deposits | 90.1281% | 956 |
| Net loans and leases to core deposits | 107.2162% | 633 |
| Total domestic deposits to total assets | 90.9930% | 561 |
| Equity capital to assets | 8.7004% | 5,871 |
| Core capital (leverage) ratio | 8.8032% | 5,126 |
| Tier 1 risk-based capital ratio | 10.2529% | 6,810 |
| Total risk-based capital ratio | 11.5155% | 6,807 |
| Memoranda: | ||
| Average total assets | $411,273,500 | 1,616 |
| Average earning assets | $398,739,000 | 1,526 |
| Average equity | $35,293,000 | 1,962 |
| Average total loans | $337,169,500 | 1,257 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8462% | 580 |
| Cost of funding earning assets | 1.3828% | 1,112 |
| Net interest margin | 4.4634% | 1,221 |
| Noninterest income to average assets | 0.0869% | 6,692 |
| Noninterest expense to average assets | 1.5833% | 7,128 |
| Loan and lease loss provision to assets | 1.5468% | 470 |
| Net operating income to assets | 0.7048% | 3,464 |
| Return on assets (ROA) | 0.7048% | 3,646 |
| Pretax return on assets | 1.2358% | 2,338 |
| Return on Equity (ROE) | 7.9419% | 2,936 |
| Retained earnings to average equity (ytd only) | 6.4395% | 1,782 |
| Net charge-offs to loans | 1.5341% | 1,039 |
| Credit loss provision to net charge-offs | 121.7976% | 2,599 |
| Earnings coverage of net charge-offs (x) | 2.1911% | 4,144 |
| Efficiency ratio | 36.2653% | 7,252 |
| Assets per employee ($millions) | 14.6528% | 97 |
| Cash dividends to net income (ytd only)* | 18.9179% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1887% | 1,818 |
| Loan loss allowance to noncurrent loans | 144.7533% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 2.6294% | 2,315 |
| Noncurrent loans to loans | 1.5120% | 3,879 |
| Net loans and leases to total assets | 78.2843% | 680 |
| Net loans and leases to deposits | 85.6735% | 1,706 |
| Net loans and leases to core deposits | 99.9502% | 1,183 |
| Total domestic deposits to total assets | 91.3751% | 369 |
| Equity capital to assets | 8.4618% | 6,190 |
| Core capital (leverage) ratio | 8.8566% | 5,012 |
| Tier 1 risk-based capital ratio | 10.5291% | 6,674 |
| Total risk-based capital ratio | 11.7908% | 6,649 |
| Memoranda: | ||
| Average total assets | $374,973,800 | 1,736 |
| Average earning assets | $359,480,600 | 1,646 |
| Average equity | $33,279,200 | 2,001 |
| Average total loans | $310,413,000 | 1,367 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9847% | 479 |
| Cost of funding earning assets | 1.4370% | 1,086 |
| Net interest margin | 4.5477% | 1,050 |
| Noninterest income to average assets | 0.1027% | 6,740 |
| Noninterest expense to average assets | 1.5884% | 7,176 |
| Loan and lease loss provision to assets | 1.5294% | 441 |
| Net operating income to assets | 0.7632% | 3,327 |
| Return on assets (ROA) | 0.7632% | 3,487 |
| Pretax return on assets | 1.3295% | 2,185 |
| Return on Equity (ROE) | 8.4891% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.4641% | 2,257 |
| Net charge-offs to loans | 1.5420% | 931 |
| Credit loss provision to net charge-offs | 118.7111% | 2,750 |
| Earnings coverage of net charge-offs (x) | 2.2190% | 4,019 |
| Efficiency ratio | 35.7160% | 7,319 |
| Assets per employee ($millions) | 14.2310% | 105 |
| Cash dividends to net income (ytd only)* | 23.8549% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1267% | 2,008 |
| Loan loss allowance to noncurrent loans | 308.3296% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 2.1377% | 2,986 |
| Noncurrent loans to loans | 0.6897% | 5,510 |
| Net loans and leases to total assets | 81.5788% | 390 |
| Net loans and leases to deposits | 89.7805% | 1,242 |
| Net loans and leases to core deposits | 104.7868% | 933 |
| Total domestic deposits to total assets | 90.8648% | 488 |
| Equity capital to assets | 8.8750% | 5,889 |
| Core capital (leverage) ratio | 8.9672% | 4,988 |
| Tier 1 risk-based capital ratio | 10.8299% | 6,645 |
| Total risk-based capital ratio | 12.0912% | 6,616 |
| Memoranda: | ||
| Average total assets | $366,147,500 | 1,778 |
| Average earning assets | $349,791,750 | 1,703 |
| Average equity | $32,919,750 | 2,014 |
| Average total loans | $305,923,500 | 1,400 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0431% | 442 |
| Cost of funding earning assets | 1.4801% | 1,074 |
| Net interest margin | 4.5630% | 982 |
| Noninterest income to average assets | -0.0961% | 7,286 |
| Noninterest expense to average assets | 1.5573% | 7,277 |
| Loan and lease loss provision to assets | 1.6661% | 411 |
| Net operating income to assets | 0.5948% | 4,090 |
| Return on assets (ROA) | 0.5948% | 4,224 |
| Pretax return on assets | 1.0363% | 3,092 |
| Return on Equity (ROE) | 6.5855% | 3,654 |
| Retained earnings to average equity (ytd only) | 3.5110% | 4,014 |
| Net charge-offs to loans | 2.0017% | 671 |
| Credit loss provision to net charge-offs | 99.5355% | 3,180 |
| Earnings coverage of net charge-offs (x) | 1.6145% | 4,080 |
| Efficiency ratio | 36.5580% | 7,380 |
| Assets per employee ($millions) | 14.8586% | 94 |
| Cash dividends to net income (ytd only)* | 46.6853% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0371% | 2,268 |
| Loan loss allowance to noncurrent loans | 261.1750% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 2.2072% | 2,969 |
| Noncurrent loans to loans | 0.7800% | 5,353 |
| Net loans and leases to total assets | 79.4223% | 600 |
| Net loans and leases to deposits | 87.2561% | 1,618 |
| Net loans and leases to core deposits | 102.2659% | 1,163 |
| Total domestic deposits to total assets | 91.0221% | 494 |
| Equity capital to assets | 8.8420% | 5,767 |
| Core capital (leverage) ratio | 9.0493% | 4,647 |
| Tier 1 risk-based capital ratio | 11.6685% | 6,034 |
| Total risk-based capital ratio | 12.9301% | 6,025 |
| Memoranda: | ||
| Average total assets | $360,117,670 | 1,825 |
| Average earning assets | $343,764,000 | 1,745 |
| Average equity | $32,526,000 | 2,029 |
| Average total loans | $301,142,330 | 1,439 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0958% | 406 |
| Cost of funding earning assets | 1.5094% | 1,125 |
| Net interest margin | 4.5864% | 884 |
| Noninterest income to average assets | 0.0451% | 7,158 |
| Noninterest expense to average assets | 1.6307% | 7,285 |
| Loan and lease loss provision to assets | 1.6928% | 355 |
| Net operating income to assets | 0.6297% | 3,869 |
| Return on assets (ROA) | 0.6297% | 3,936 |
| Pretax return on assets | 1.0902% | 2,792 |
| Return on Equity (ROE) | 6.8960% | 3,436 |
| Retained earnings to average equity (ytd only) | 6.8960% | 2,191 |
| Net charge-offs to loans | 1.6976% | 777 |
| Credit loss provision to net charge-offs | 117.3709% | 2,307 |
| Earnings coverage of net charge-offs (x) | 1.9296% | 3,347 |
| Efficiency ratio | 36.9471% | 7,431 |
| Assets per employee ($millions) | 14.9211% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1278% | 2,123 |
| Loan loss allowance to noncurrent loans | 165.3946% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 3.3267% | 2,046 |
| Noncurrent loans to loans | 1.2865% | 4,552 |
| Net loans and leases to total assets | 81.8322% | 357 |
| Net loans and leases to deposits | 90.1986% | 1,208 |
| Net loans and leases to core deposits | 106.2030% | 928 |
| Total domestic deposits to total assets | 90.7246% | 752 |
| Equity capital to assets | 9.1163% | 5,015 |
| Core capital (leverage) ratio | 9.2424% | 4,224 |
| Tier 1 risk-based capital ratio | 11.7745% | 5,874 |
| Total risk-based capital ratio | 13.0373% | 5,876 |
| Memoranda: | ||
| Average total assets | $354,443,500 | 1,864 |
| Average earning assets | $337,608,500 | 1,776 |
| Average equity | $32,366,500 | 2,019 |
| Average total loans | $301,132,500 | 1,455 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2553% | 505 |
| Cost of funding earning assets | 1.8655% | 957 |
| Net interest margin | 4.3898% | 1,511 |
| Noninterest income to average assets | -0.2025% | 7,467 |
| Noninterest expense to average assets | 1.6373% | 7,383 |
| Loan and lease loss provision to assets | 1.4371% | 1,038 |
| Net operating income to assets | 0.4902% | 4,148 |
| Return on assets (ROA) | 0.4902% | 4,304 |
| Pretax return on assets | 0.8705% | 3,405 |
| Return on Equity (ROE) | 5.4917% | 3,843 |
| Retained earnings to average equity (ytd only) | 4.5399% | 2,696 |
| Net charge-offs to loans | 1.1763% | 1,893 |
| Credit loss provision to net charge-offs | 143.0787% | 2,613 |
| Earnings coverage of net charge-offs (x) | 2.2974% | 4,003 |
| Efficiency ratio | 41.5046% | 7,479 |
| Assets per employee ($millions) | 14.0312% | 109 |
| Cash dividends to net income (ytd only)* | 17.3310% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0301% | 2,227 |
| Loan loss allowance to noncurrent loans | 82.6344% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 4.7449% | 1,382 |
| Noncurrent loans to loans | 2.4567% | 3,067 |
| Net loans and leases to total assets | 84.5826% | 261 |
| Net loans and leases to deposits | 93.2717% | 1,121 |
| Net loans and leases to core deposits | 109.3027% | 962 |
| Total domestic deposits to total assets | 90.6842% | 756 |
| Equity capital to assets | 9.1473% | 4,921 |
| Core capital (leverage) ratio | 9.1882% | 4,192 |
| Tier 1 risk-based capital ratio | 11.3510% | 6,033 |
| Total risk-based capital ratio | 12.6122% | 6,021 |
| Memoranda: | ||
| Average total assets | $353,138,600 | 1,850 |
| Average earning assets | $333,637,200 | 1,792 |
| Average equity | $31,520,200 | 2,081 |
| Average total loans | $301,549,000 | 1,492 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2833% | 529 |
| Cost of funding earning assets | 1.9460% | 892 |
| Net interest margin | 4.3373% | 1,723 |
| Noninterest income to average assets | -0.2454% | 7,616 |
| Noninterest expense to average assets | 1.5786% | 7,513 |
| Loan and lease loss provision to assets | 1.3475% | 1,016 |
| Net operating income to assets | 0.5424% | 4,121 |
| Return on assets (ROA) | 0.5424% | 4,293 |
| Pretax return on assets | 0.9216% | 3,485 |
| Return on Equity (ROE) | 6.1144% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.1144% | 2,298 |
| Net charge-offs to loans | 0.9910% | 2,022 |
| Credit loss provision to net charge-offs | 159.6695% | 2,374 |
| Earnings coverage of net charge-offs (x) | 2.6887% | 3,805 |
| Efficiency ratio | 41.0266% | 7,557 |
| Assets per employee ($millions) | 15.4881% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9858% | 2,260 |
| Loan loss allowance to noncurrent loans | 121.0772% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 4.1145% | 1,676 |
| Noncurrent loans to loans | 1.6401% | 4,189 |
| Net loans and leases to total assets | 82.5397% | 442 |
| Net loans and leases to deposits | 90.9062% | 1,596 |
| Net loans and leases to core deposits | 104.7369% | 1,422 |
| Total domestic deposits to total assets | 90.7966% | 523 |
| Equity capital to assets | 9.0370% | 5,525 |
| Core capital (leverage) ratio | 9.3039% | 4,203 |
| Tier 1 risk-based capital ratio | 11.3478% | 6,054 |
| Total risk-based capital ratio | 12.6080% | 6,034 |
| Memoranda: | ||
| Average total assets | $353,728,250 | 1,874 |
| Average earning assets | $333,809,250 | 1,811 |
| Average equity | $31,378,500 | 2,104 |
| Average total loans | $301,224,500 | 1,509 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3034% | 509 |
| Cost of funding earning assets | 2.0307% | 821 |
| Net interest margin | 4.2726% | 1,878 |
| Noninterest income to average assets | -0.3191% | 7,717 |
| Noninterest expense to average assets | 1.5772% | 7,578 |
| Loan and lease loss provision to assets | 1.2893% | 1,070 |
| Net operating income to assets | 0.4942% | 4,354 |
| Return on assets (ROA) | 0.4942% | 4,513 |
| Pretax return on assets | 0.8388% | 3,744 |
| Return on Equity (ROE) | 5.6064% | 3,990 |
| Retained earnings to average equity (ytd only) | 5.6064% | 2,554 |
| Net charge-offs to loans | 0.8765% | 2,081 |
| Credit loss provision to net charge-offs | 172.0877% | 2,265 |
| Earnings coverage of net charge-offs (x) | 2.8404% | 3,566 |
| Efficiency ratio | 42.5665% | 7,566 |
| Assets per employee ($millions) | 15.1435% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 2,559 |
| Loan loss allowance to noncurrent loans | 145.3455% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 3.7017% | 1,890 |
| Noncurrent loans to loans | 1.2737% | 4,838 |
| Net loans and leases to total assets | 84.8459% | 294 |
| Net loans and leases to deposits | 93.4761% | 1,340 |
| Net loans and leases to core deposits | 107.6968% | 1,324 |
| Total domestic deposits to total assets | 90.7675% | 576 |
| Equity capital to assets | 9.0657% | 5,343 |
| Core capital (leverage) ratio | 9.1411% | 4,387 |
| Tier 1 risk-based capital ratio | 11.1466% | 6,097 |
| Total risk-based capital ratio | 12.4053% | 6,078 |
| Memoranda: | ||
| Average total assets | $352,895,670 | 1,893 |
| Average earning assets | $332,393,330 | 1,835 |
| Average equity | $31,107,330 | 2,116 |
| Average total loans | $301,637,670 | 1,521 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3640% | 475 |
| Cost of funding earning assets | 2.1233% | 749 |
| Net interest margin | 4.2407% | 1,891 |
| Noninterest income to average assets | -0.2151% | 7,809 |
| Noninterest expense to average assets | 1.7399% | 7,534 |
| Loan and lease loss provision to assets | 1.2951% | 934 |
| Net operating income to assets | 0.4313% | 4,704 |
| Return on assets (ROA) | 0.4313% | 4,838 |
| Pretax return on assets | 0.7331% | 4,116 |
| Return on Equity (ROE) | 4.9623% | 4,390 |
| Retained earnings to average equity (ytd only) | 4.9623% | 3,179 |
| Net charge-offs to loans | 0.8453% | 1,846 |
| Credit loss provision to net charge-offs | 180.2508% | 2,031 |
| Earnings coverage of net charge-offs (x) | 2.8229% | 3,137 |
| Efficiency ratio | 46.1745% | 7,543 |
| Assets per employee ($millions) | 17.2992% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 3,030 |
| Loan loss allowance to noncurrent loans | 215.4008% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 4.6060% | 1,460 |
| Noncurrent loans to loans | 0.7937% | 5,731 |
| Net loans and leases to total assets | 85.2895% | 269 |
| Net loans and leases to deposits | 93.9041% | 1,359 |
| Net loans and leases to core deposits | 106.7014% | 1,518 |
| Total domestic deposits to total assets | 90.8262% | 606 |
| Equity capital to assets | 8.9808% | 5,308 |
| Core capital (leverage) ratio | 8.6686% | 5,077 |
| Tier 1 risk-based capital ratio | 10.7637% | 6,380 |
| Total risk-based capital ratio | 12.0153% | 6,363 |
| Memoranda: | ||
| Average total assets | $355,193,000 | 1,929 |
| Average earning assets | $333,624,500 | 1,876 |
| Average equity | $30,873,000 | 2,152 |
| Average total loans | $301,910,000 | 1,559 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3173% | 994 |
| Cost of funding earning assets | 2.7611% | 499 |
| Net interest margin | 3.5562% | 4,716 |
| Noninterest income to average assets | -0.0646% | 7,775 |
| Noninterest expense to average assets | 1.4855% | 7,814 |
| Loan and lease loss provision to assets | 1.5196% | 1,516 |
| Net operating income to assets | 0.1809% | 4,961 |
| Return on assets (ROA) | 0.1809% | 5,032 |
| Pretax return on assets | 0.3025% | 4,751 |
| Return on Equity (ROE) | 2.1030% | 4,862 |
| Retained earnings to average equity (ytd only) | 2.1030% | 3,634 |
| Net charge-offs to loans | 1.7275% | 1,451 |
| Credit loss provision to net charge-offs | 101.7214% | 5,427 |
| Earnings coverage of net charge-offs (x) | 1.2197% | 4,906 |
| Efficiency ratio | 44.9108% | 7,751 |
| Assets per employee ($millions) | 18.2201% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 3,612 |
| Loan loss allowance to noncurrent loans | 111.5645% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 4.4978% | 1,429 |
| Noncurrent loans to loans | 1.3643% | 4,642 |
| Net loans and leases to total assets | 82.0462% | 681 |
| Net loans and leases to deposits | 91.1368% | 2,025 |
| Net loans and leases to core deposits | 107.1629% | 3,193 |
| Total domestic deposits to total assets | 90.0253% | 944 |
| Equity capital to assets | 8.4176% | 6,034 |
| Core capital (leverage) ratio | 8.4573% | 5,354 |
| Tier 1 risk-based capital ratio | 10.4715% | 6,425 |
| Total risk-based capital ratio | 11.7252% | 6,393 |
| Memoranda: | ||
| Average total assets | $342,185,400 | 1,988 |
| Average earning assets | $324,476,000 | 1,916 |
| Average equity | $29,434,600 | 2,271 |
| Average total loans | $295,916,800 | 1,622 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3571% | 1,012 |
| Cost of funding earning assets | 2.8632% | 512 |
| Net interest margin | 3.4938% | 4,882 |
| Noninterest income to average assets | 0.0594% | 7,608 |
| Noninterest expense to average assets | 1.5102% | 7,883 |
| Loan and lease loss provision to assets | 1.5249% | 1,251 |
| Net operating income to assets | 0.2107% | 5,113 |
| Return on assets (ROA) | 0.2107% | 5,198 |
| Pretax return on assets | 0.3446% | 4,943 |
| Return on Equity (ROE) | 2.4355% | 5,015 |
| Retained earnings to average equity (ytd only) | 2.4355% | 3,964 |
| Net charge-offs to loans | 1.9982% | 984 |
| Credit loss provision to net charge-offs | 87.3808% | 5,555 |
| Earnings coverage of net charge-offs (x) | 1.0713% | 4,985 |
| Efficiency ratio | 44.6853% | 7,814 |
| Assets per employee ($millions) | 19.2767% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,227 |
| Loan loss allowance to noncurrent loans | 90.6335% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 3.2797% | 2,063 |
| Noncurrent loans to loans | 1.4859% | 4,437 |
| Net loans and leases to total assets | 79.5417% | 1,275 |
| Net loans and leases to deposits | 92.5488% | 2,146 |
| Net loans and leases to core deposits | 111.6576% | 3,052 |
| Total domestic deposits to total assets | 85.9457% | 2,723 |
| Equity capital to assets | 8.3479% | 6,448 |
| Core capital (leverage) ratio | 8.7363% | 5,068 |
| Tier 1 risk-based capital ratio | 10.6027% | 6,341 |
| Total risk-based capital ratio | 11.8542% | 6,314 |
| Memoranda: | ||
| Average total assets | $336,631,250 | 2,035 |
| Average earning assets | $319,909,000 | 1,958 |
| Average equity | $29,124,750 | 2,315 |
| Average total loans | $293,996,250 | 1,650 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5463% | 736 |
| Cost of funding earning assets | 3.0055% | 470 |
| Net interest margin | 3.5408% | 4,613 |
| Noninterest income to average assets | 0.0465% | 7,749 |
| Noninterest expense to average assets | 1.5430% | 7,949 |
| Loan and lease loss provision to assets | 1.4690% | 1,178 |
| Net operating income to assets | 0.2473% | 5,097 |
| Return on assets (ROA) | 0.2473% | 5,195 |
| Pretax return on assets | 0.4027% | 4,927 |
| Return on Equity (ROE) | 2.8211% | 4,968 |
| Retained earnings to average equity (ytd only) | 2.8211% | 3,751 |
| Net charge-offs to loans | 1.6698% | 1,135 |
| Credit loss provision to net charge-offs | 97.9192% | 4,682 |
| Earnings coverage of net charge-offs (x) | 1.2477% | 4,597 |
| Efficiency ratio | 45.1873% | 7,881 |
| Assets per employee ($millions) | 18.6026% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 2,996 |
| Loan loss allowance to noncurrent loans | 65.7957% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 4.6989% | 1,180 |
| Noncurrent loans to loans | 2.3378% | 3,092 |
| Net loans and leases to total assets | 85.6818% | 410 |
| Net loans and leases to deposits | 100.7805% | 1,201 |
| Net loans and leases to core deposits | 126.7435% | 1,803 |
| Total domestic deposits to total assets | 85.0182% | 3,251 |
| Equity capital to assets | 8.6248% | 5,860 |
| Core capital (leverage) ratio | 8.8971% | 4,789 |
| Tier 1 risk-based capital ratio | 10.4635% | 6,408 |
| Total risk-based capital ratio | 11.7180% | 6,353 |
| Memoranda: | ||
| Average total assets | $326,755,670 | 2,113 |
| Average earning assets | $310,831,330 | 2,051 |
| Average equity | $28,641,330 | 2,362 |
| Average total loans | $293,560,000 | 1,688 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6413% | 648 |
| Cost of funding earning assets | 3.0844% | 480 |
| Net interest margin | 3.5569% | 4,497 |
| Noninterest income to average assets | 0.0149% | 7,999 |
| Noninterest expense to average assets | 1.4663% | 8,007 |
| Loan and lease loss provision to assets | 1.4254% | 891 |
| Net operating income to assets | 0.3198% | 5,215 |
| Return on assets (ROA) | 0.3198% | 5,385 |
| Pretax return on assets | 0.5194% | 5,022 |
| Return on Equity (ROE) | 3.6183% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.6183% | 3,882 |
| Net charge-offs to loans | 0.7059% | 1,775 |
| Credit loss provision to net charge-offs | 221.1538% | 2,045 |
| Earnings coverage of net charge-offs (x) | 3.0173% | 3,299 |
| Efficiency ratio | 42.9869% | 7,967 |
| Assets per employee ($millions) | 20.3828% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 1,980 |
| Loan loss allowance to noncurrent loans | 146.2192% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 3.7949% | 1,390 |
| Noncurrent loans to loans | 1.1968% | 4,578 |
| Net loans and leases to total assets | 88.8859% | 202 |
| Net loans and leases to deposits | 104.9093% | 947 |
| Net loans and leases to core deposits | 133.5466% | 1,440 |
| Total domestic deposits to total assets | 84.7264% | 3,339 |
| Equity capital to assets | 8.7948% | 5,632 |
| Core capital (leverage) ratio | 8.9518% | 4,793 |
| Tier 1 risk-based capital ratio | 10.2243% | 6,687 |
| Total risk-based capital ratio | 11.4813% | 6,592 |
| Memoranda: | ||
| Average total assets | $322,710,000 | 2,147 |
| Average earning assets | $308,132,000 | 2,072 |
| Average equity | $28,522,000 | 2,382 |
| Average total loans | $294,647,500 | 1,688 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3847% | 506 |
| Cost of funding earning assets | 3.5531% | 452 |
| Net interest margin | 3.8316% | 3,886 |
| Noninterest income to average assets | 0.0622% | 7,836 |
| Noninterest expense to average assets | 1.5689% | 7,989 |
| Loan and lease loss provision to assets | 0.9292% | 1,596 |
| Net operating income to assets | 0.7998% | 3,437 |
| Return on assets (ROA) | 0.7998% | 3,271 |
| Pretax return on assets | 1.2516% | 2,475 |
| Return on Equity (ROE) | 9.1710% | 2,582 |
| Retained earnings to average equity (ytd only) | 9.1710% | 576 |
| Net charge-offs to loans | 0.5197% | 2,286 |
| Credit loss provision to net charge-offs | 187.8613% | 2,634 |
| Earnings coverage of net charge-offs (x) | 4.4090% | 3,994 |
| Efficiency ratio | 41.8414% | 8,073 |
| Assets per employee ($millions) | 18.7821% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 2,497 |
| Loan loss allowance to noncurrent loans | 54.5619% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 4.0364% | 1,013 |
| Noncurrent loans to loans | 2.8234% | 1,920 |
| Net loans and leases to total assets | 90.7374% | 148 |
| Net loans and leases to deposits | 105.4513% | 1,172 |
| Net loans and leases to core deposits | 134.3224% | 1,582 |
| Total domestic deposits to total assets | 86.0468% | 2,378 |
| Equity capital to assets | 8.8827% | 5,522 |
| Core capital (leverage) ratio | 9.0689% | 4,642 |
| Tier 1 risk-based capital ratio | 10.0973% | 6,625 |
| Total risk-based capital ratio | 11.3517% | 6,491 |
| Memoranda: | ||
| Average total assets | $279,808,000 | 2,314 |
| Average earning assets | $269,285,200 | 2,234 |
| Average equity | $24,403,000 | 2,698 |
| Average total loans | $266,310,600 | 1,792 |