| 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 | 1.0732% | 4,698 |
| Cost of funding earning assets | 0.0771% | 4,440 |
| Net interest margin | 0.9961% | 4,695 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 0.4392% | 4,732 |
| Loan and lease loss provision to assets | 1.0200% | 41 |
| Net operating income to assets | -0.4428% | 4,674 |
| Return on assets (ROA) | -0.2567% | 4,635 |
| Pretax return on assets | -0.3008% | 4,635 |
| Return on Equity (ROE) | -1.8300% | 4,615 |
| Retained earnings to average equity (ytd only) | -1.8314% | 4,483 |
| Net charge-offs to loans | 0.7330% | 73 |
| Credit loss provision to net charge-offs | 213.2495% | 948 |
| Earnings coverage of net charge-offs (x) | 1.0480% | 2,281 |
| Efficiency ratio | 46.6538% | 4,344 |
| Assets per employee ($millions) | 15.8382% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6431% | 982 |
| Loan loss allowance to noncurrent loans | 248.9027% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 1,199 |
| Noncurrent loans to loans | 0.6601% | 1,233 |
| Net loans and leases to total assets | 67.0900% | 1,773 |
| Net loans and leases to deposits | 84.1186% | 1,289 |
| Net loans and leases to core deposits | 91.7042% | 1,197 |
| Total domestic deposits to total assets | 79.7600% | 4,120 |
| Equity capital to assets | 18.9635% | 242 |
| Core capital (leverage) ratio | 11.9565% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9268% | 1,449 |
| Memoranda: |
| Average total assets | $1,902,337,250 | 580 |
| Average earning assets | $1,720,935,250 | 584 |
| Average equity | $266,678,750 | 424 |
| Average total loans | $1,243,757,250 | 554 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7008% | 1,541 |
| Cost of funding earning assets | 0.3177% | 1,550 |
| Net interest margin | 3.3831% | 1,655 |
| Noninterest income to average assets | 0.1868% | 4,071 |
| Noninterest expense to average assets | 1.2887% | 4,597 |
| Loan and lease loss provision to assets | 0.0415% | 1,832 |
| Net operating income to assets | 1.7343% | 393 |
| Return on assets (ROA) | 1.7343% | 390 |
| Pretax return on assets | 2.1246% | 276 |
| Return on Equity (ROE) | 13.9163% | 1,135 |
| Retained earnings to average equity (ytd only) | 8.5095% | 1,437 |
| Net charge-offs to loans | 0.2369% | 271 |
| Credit loss provision to net charge-offs | 27.1370% | 1,579 |
| Earnings coverage of net charge-offs (x) | 14.1757% | 1,664 |
| Efficiency ratio | 37.3031% | 4,665 |
| Assets per employee ($millions) | 15.8335% | 171 |
| Cash dividends to net income (ytd only)* | 38.8524% | 1,772 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1576% | 2,896 |
| Loan loss allowance to noncurrent loans | 291.0963% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 1,927 |
| Noncurrent loans to loans | 0.3977% | 1,936 |
| Net loans and leases to total assets | 65.8922% | 1,706 |
| Net loans and leases to deposits | 76.2157% | 1,675 |
| Net loans and leases to core deposits | 82.0842% | 1,589 |
| Total domestic deposits to total assets | 86.4549% | 3,125 |
| Equity capital to assets | 12.2289% | 816 |
| Core capital (leverage) ratio | 13.1030% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,929,317,667 | 566 |
| Average earning assets | $1,863,661,000 | 540 |
| Average equity | $240,438,333 | 459 |
| Average total loans | $1,244,191,333 | 549 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5695% | 1,591 |
| Cost of funding earning assets | 0.3046% | 1,614 |
| Net interest margin | 3.2649% | 1,667 |
| Noninterest income to average assets | 0.1921% | 4,009 |
| Noninterest expense to average assets | 1.2707% | 4,638 |
| Loan and lease loss provision to assets | 0.0816% | 1,004 |
| Net operating income to assets | 1.6375% | 466 |
| Return on assets (ROA) | 1.6375% | 465 |
| Pretax return on assets | 2.0049% | 352 |
| Return on Equity (ROE) | 13.0234% | 1,029 |
| Retained earnings to average equity (ytd only) | 10.5885% | 875 |
| Net charge-offs to loans | 0.5298% | 132 |
| Credit loss provision to net charge-offs | 24.2866% | 1,277 |
| Earnings coverage of net charge-offs (x) | 6.2070% | 1,580 |
| Efficiency ratio | 37.8503% | 4,688 |
| Assets per employee ($millions) | 15.9580% | 170 |
| Cash dividends to net income (ytd only)* | 18.6962% | 2,012 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1513% | 3,092 |
| Loan loss allowance to noncurrent loans | 281.9675% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 2,045 |
| Noncurrent loans to loans | 0.4083% | 2,028 |
| Net loans and leases to total assets | 63.3401% | 1,702 |
| Net loans and leases to deposits | 73.4526% | 1,659 |
| Net loans and leases to core deposits | 79.5444% | 1,515 |
| Total domestic deposits to total assets | 86.2326% | 3,182 |
| Equity capital to assets | 12.4893% | 808 |
| Core capital (leverage) ratio | 12.7038% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,959,801,500 | 556 |
| Average earning assets | $1,899,993,500 | 536 |
| Average equity | $246,418,500 | 456 |
| Average total loans | $1,243,529,500 | 542 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3463% | 3,063 |
| Cost of funding earning assets | 0.3900% | 1,611 |
| Net interest margin | 2.9562% | 3,298 |
| Noninterest income to average assets | 0.1858% | 4,227 |
| Noninterest expense to average assets | 1.1874% | 4,715 |
| Loan and lease loss provision to assets | 0.3128% | 255 |
| Net operating income to assets | 1.2831% | 1,654 |
| Return on assets (ROA) | 1.2831% | 1,708 |
| Pretax return on assets | 1.5606% | 1,536 |
| Return on Equity (ROE) | 9.8763% | 2,569 |
| Retained earnings to average equity (ytd only) | 0.2804% | 4,421 |
| Net charge-offs to loans | 0.7851% | 86 |
| Credit loss provision to net charge-offs | 61.6825% | 2,057 |
| Earnings coverage of net charge-offs (x) | 3.6943% | 2,530 |
| Efficiency ratio | 38.7940% | 4,705 |
| Assets per employee ($millions) | 16.8533% | 159 |
| Cash dividends to net income (ytd only)* | 97.1608% | 247 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3739% | 2,028 |
| Loan loss allowance to noncurrent loans | 115.9485% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 812 |
| Noncurrent loans to loans | 1.1849% | 812 |
| Net loans and leases to total assets | 62.0649% | 1,935 |
| Net loans and leases to deposits | 71.4194% | 1,970 |
| Net loans and leases to core deposits | 78.7372% | 1,702 |
| Total domestic deposits to total assets | 86.9021% | 2,561 |
| Equity capital to assets | 12.6556% | 1,012 |
| Core capital (leverage) ratio | 12.2343% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,990,105,400 | 533 |
| Average earning assets | $1,935,425,000 | 511 |
| Average equity | $258,549,200 | 430 |
| Average total loans | $1,285,504,200 | 524 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3097% | 3,367 |
| Cost of funding earning assets | 0.4145% | 1,591 |
| Net interest margin | 2.8952% | 3,565 |
| Noninterest income to average assets | 0.1818% | 4,288 |
| Noninterest expense to average assets | 1.1937% | 4,790 |
| Loan and lease loss provision to assets | 0.4120% | 151 |
| Net operating income to assets | 1.1495% | 2,369 |
| Return on assets (ROA) | 1.1495% | 2,429 |
| Pretax return on assets | 1.3907% | 2,375 |
| Return on Equity (ROE) | 8.7908% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.0439% | 2,402 |
| Net charge-offs to loans | 0.8041% | 86 |
| Credit loss provision to net charge-offs | 78.8057% | 1,720 |
| Earnings coverage of net charge-offs (x) | 3.4485% | 2,311 |
| Efficiency ratio | 39.8373% | 4,727 |
| Assets per employee ($millions) | 17.0129% | 146 |
| Cash dividends to net income (ytd only)* | 19.8718% | 2,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5568% | 1,443 |
| Loan loss allowance to noncurrent loans | 36.8380% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.6796% | 114 |
| Noncurrent loans to loans | 4.2260% | 112 |
| Net loans and leases to total assets | 62.1851% | 1,984 |
| Net loans and leases to deposits | 72.4839% | 2,005 |
| Net loans and leases to core deposits | 80.7849% | 1,672 |
| Total domestic deposits to total assets | 85.7915% | 2,831 |
| Equity capital to assets | 13.5383% | 838 |
| Core capital (leverage) ratio | 12.8050% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,990,459,750 | 534 |
| Average earning assets | $1,935,013,500 | 514 |
| Average equity | $260,266,500 | 434 |
| Average total loans | $1,294,012,250 | 531 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3024% | 3,414 |
| Cost of funding earning assets | 0.4429% | 1,570 |
| Net interest margin | 2.8594% | 3,657 |
| Noninterest income to average assets | 0.1832% | 4,284 |
| Noninterest expense to average assets | 1.1771% | 4,830 |
| Loan and lease loss provision to assets | 0.5310% | 95 |
| Net operating income to assets | 1.0387% | 2,764 |
| Return on assets (ROA) | 1.0387% | 2,840 |
| Pretax return on assets | 1.2538% | 2,753 |
| Return on Equity (ROE) | 8.0376% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.4949% | 2,252 |
| Net charge-offs to loans | 1.2034% | 57 |
| Credit loss provision to net charge-offs | 67.2503% | 1,533 |
| Earnings coverage of net charge-offs (x) | 2.2604% | 2,134 |
| Efficiency ratio | 39.7402% | 4,755 |
| Assets per employee ($millions) | 16.4300% | 160 |
| Cash dividends to net income (ytd only)* | 6.7522% | 2,952 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3924% | 2,013 |
| Loan loss allowance to noncurrent loans | 39.8010% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.3850% | 155 |
| Noncurrent loans to loans | 3.4984% | 181 |
| Net loans and leases to total assets | 66.9366% | 1,592 |
| Net loans and leases to deposits | 77.7494% | 1,654 |
| Net loans and leases to core deposits | 87.5871% | 1,301 |
| Total domestic deposits to total assets | 86.0928% | 2,710 |
| Equity capital to assets | 13.4449% | 830 |
| Core capital (leverage) ratio | 12.4536% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,996,116,000 | 528 |
| Average earning assets | $1,939,822,667 | 509 |
| Average equity | $257,963,000 | 437 |
| Average total loans | $1,309,808,333 | 532 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2852% | 3,487 |
| Cost of funding earning assets | 0.4761% | 1,550 |
| Net interest margin | 2.8091% | 3,741 |
| Noninterest income to average assets | 0.1970% | 4,208 |
| Noninterest expense to average assets | 1.1489% | 4,871 |
| Loan and lease loss provision to assets | 0.5554% | 112 |
| Net operating income to assets | 1.0120% | 2,778 |
| Return on assets (ROA) | 1.0120% | 2,859 |
| Pretax return on assets | 1.2219% | 2,782 |
| Return on Equity (ROE) | 7.9872% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.9872% | 2,243 |
| Net charge-offs to loans | 0.0191% | 1,356 |
| Credit loss provision to net charge-offs | 4,516.1290% | 124 |
| Earnings coverage of net charge-offs (x) | 144.5161% | 499 |
| Efficiency ratio | 39.2625% | 4,765 |
| Assets per employee ($millions) | 17.7592% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8336% | 823 |
| Loan loss allowance to noncurrent loans | 45.2057% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.5653% | 151 |
| Noncurrent loans to loans | 4.0562% | 133 |
| Net loans and leases to total assets | 61.8486% | 2,303 |
| Net loans and leases to deposits | 71.0413% | 2,414 |
| Net loans and leases to core deposits | 79.6507% | 2,035 |
| Total domestic deposits to total assets | 87.0601% | 2,289 |
| Equity capital to assets | 12.4353% | 1,102 |
| Core capital (leverage) ratio | 12.4113% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $2,016,591,500 | 515 |
| Average earning assets | $1,959,223,500 | 494 |
| Average equity | $255,509,500 | 435 |
| Average total loans | $1,301,112,000 | 537 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8576% | 3,141 |
| Cost of funding earning assets | 0.8726% | 936 |
| Net interest margin | 2.9850% | 3,920 |
| Noninterest income to average assets | 0.2013% | 4,268 |
| Noninterest expense to average assets | 1.1854% | 4,904 |
| Loan and lease loss provision to assets | 0.6377% | 291 |
| Net operating income to assets | 1.0769% | 1,998 |
| Return on assets (ROA) | 1.0797% | 2,128 |
| Pretax return on assets | 1.2761% | 2,060 |
| Return on Equity (ROE) | 8.0666% | 2,791 |
| Retained earnings to average equity (ytd only) | -2.3230% | 4,728 |
| Net charge-offs to loans | 0.3344% | 529 |
| Credit loss provision to net charge-offs | 270.1226% | 1,844 |
| Earnings coverage of net charge-offs (x) | 8.0930% | 2,633 |
| Efficiency ratio | 38.2882% | 4,902 |
| Assets per employee ($millions) | 17.1575% | 130 |
| Cash dividends to net income (ytd only)* | 128.7978% | 135 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6147% | 1,252 |
| Loan loss allowance to noncurrent loans | 46.2859% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.3162% | 213 |
| Noncurrent loans to loans | 3.4886% | 200 |
| Net loans and leases to total assets | 65.0363% | 2,222 |
| Net loans and leases to deposits | 75.0025% | 2,379 |
| Net loans and leases to core deposits | 85.5579% | 1,904 |
| Total domestic deposits to total assets | 86.7122% | 2,072 |
| Equity capital to assets | 12.9158% | 1,124 |
| Core capital (leverage) ratio | 12.3805% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,899,794,000 | 501 |
| Average earning assets | $1,842,340,800 | 477 |
| Average equity | $254,283,800 | 415 |
| Average total loans | $1,341,173,000 | 500 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9480% | 3,118 |
| Cost of funding earning assets | 0.9650% | 862 |
| Net interest margin | 2.9830% | 4,017 |
| Noninterest income to average assets | 0.2025% | 4,259 |
| Noninterest expense to average assets | 1.2095% | 4,938 |
| Loan and lease loss provision to assets | 0.5396% | 516 |
| Net operating income to assets | 1.1277% | 1,889 |
| Return on assets (ROA) | 1.1314% | 1,999 |
| Pretax return on assets | 1.3500% | 1,875 |
| Return on Equity (ROE) | 8.3761% | 2,657 |
| Retained earnings to average equity (ytd only) | 0.5823% | 4,362 |
| Net charge-offs to loans | 0.4642% | 323 |
| Credit loss provision to net charge-offs | 161.9524% | 2,256 |
| Earnings coverage of net charge-offs (x) | 5.6578% | 2,715 |
| Efficiency ratio | 39.0831% | 4,915 |
| Assets per employee ($millions) | 16.6045% | 127 |
| Cash dividends to net income (ytd only)* | 93.0477% | 385 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2228% | 2,542 |
| Loan loss allowance to noncurrent loans | 35.5900% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.3946% | 231 |
| Noncurrent loans to loans | 3.4359% | 240 |
| Net loans and leases to total assets | 68.5437% | 2,167 |
| Net loans and leases to deposits | 79.8211% | 2,337 |
| Net loans and leases to core deposits | 92.1494% | 1,783 |
| Total domestic deposits to total assets | 85.8717% | 2,127 |
| Equity capital to assets | 13.5621% | 981 |
| Core capital (leverage) ratio | 12.7884% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,881,464,500 | 490 |
| Average earning assets | $1,824,223,000 | 473 |
| Average equity | $254,144,000 | 407 |
| Average total loans | $1,350,391,250 | 487 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1131% | 3,020 |
| Cost of funding earning assets | 1.0648% | 803 |
| Net interest margin | 3.0483% | 4,018 |
| Noninterest income to average assets | 0.1735% | 4,424 |
| Noninterest expense to average assets | 1.2360% | 4,966 |
| Loan and lease loss provision to assets | 0.6766% | 420 |
| Net operating income to assets | 1.0276% | 2,229 |
| Return on assets (ROA) | 1.0332% | 2,344 |
| Pretax return on assets | 1.2243% | 2,276 |
| Return on Equity (ROE) | 7.6597% | 2,880 |
| Retained earnings to average equity (ytd only) | 0.8857% | 4,122 |
| Net charge-offs to loans | 0.6943% | 224 |
| Credit loss provision to net charge-offs | 134.2474% | 2,209 |
| Earnings coverage of net charge-offs (x) | 3.7583% | 2,655 |
| Efficiency ratio | 39.4845% | 4,925 |
| Assets per employee ($millions) | 16.6348% | 125 |
| Cash dividends to net income (ytd only)* | 88.4372% | 616 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1157% | 2,963 |
| Loan loss allowance to noncurrent loans | 32.7941% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 2.3272% | 264 |
| Noncurrent loans to loans | 3.4022% | 243 |
| Net loans and leases to total assets | 67.3461% | 2,444 |
| Net loans and leases to deposits | 78.0778% | 2,642 |
| Net loans and leases to core deposits | 94.2530% | 1,719 |
| Total domestic deposits to total assets | 86.2551% | 1,910 |
| Equity capital to assets | 13.1593% | 1,092 |
| Core capital (leverage) ratio | 12.8841% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,866,577,667 | 489 |
| Average earning assets | $1,810,492,667 | 464 |
| Average equity | $251,784,333 | 408 |
| Average total loans | $1,354,994,333 | 476 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4242% | 2,524 |
| Cost of funding earning assets | 1.2187% | 723 |
| Net interest margin | 3.2056% | 3,840 |
| Noninterest income to average assets | 0.1542% | 4,604 |
| Noninterest expense to average assets | 1.3058% | 5,001 |
| Loan and lease loss provision to assets | 0.7160% | 364 |
| Net operating income to assets | 1.0342% | 2,064 |
| Return on assets (ROA) | 1.0397% | 2,138 |
| Pretax return on assets | 1.2437% | 2,053 |
| Return on Equity (ROE) | 7.6062% | 2,681 |
| Retained earnings to average equity (ytd only) | -6.1803% | 4,597 |
| Net charge-offs to loans | 0.0730% | 1,294 |
| Credit loss provision to net charge-offs | 1,306.4516% | 477 |
| Earnings coverage of net charge-offs (x) | 35.6371% | 1,078 |
| Efficiency ratio | 40.0692% | 4,978 |
| Assets per employee ($millions) | 15.8951% | 116 |
| Cash dividends to net income (ytd only)* | 181.2540% | 357 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1954% | 2,694 |
| Loan loss allowance to noncurrent loans | 37.9424% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 2.3789% | 304 |
| Noncurrent loans to loans | 3.1506% | 325 |
| Net loans and leases to total assets | 74.2585% | 1,566 |
| Net loans and leases to deposits | 86.1197% | 1,982 |
| Net loans and leases to core deposits | 107.2242% | 982 |
| Total domestic deposits to total assets | 86.2270% | 1,905 |
| Equity capital to assets | 13.2147% | 1,331 |
| Core capital (leverage) ratio | 13.3482% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,810,096,000 | 488 |
| Average earning assets | $1,753,072,000 | 466 |
| Average equity | $247,430,000 | 415 |
| Average total loans | $1,358,398,500 | 465 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7770% | 2,113 |
| Cost of funding earning assets | 1.4258% | 511 |
| Net interest margin | 3.3511% | 3,872 |
| Noninterest income to average assets | 0.1544% | 4,719 |
| Noninterest expense to average assets | 1.2154% | 5,091 |
| Loan and lease loss provision to assets | 0.2694% | 666 |
| Net operating income to assets | 1.5835% | 868 |
| Return on assets (ROA) | 1.6004% | 893 |
| Pretax return on assets | 1.9288% | 698 |
| Return on Equity (ROE) | 11.9418% | 1,538 |
| Retained earnings to average equity (ytd only) | 7.0082% | 1,388 |
| Net charge-offs to loans | 0.3385% | 604 |
| Credit loss provision to net charge-offs | 109.0301% | 2,285 |
| Earnings coverage of net charge-offs (x) | 8.8129% | 2,730 |
| Efficiency ratio | 35.8188% | 5,109 |
| Assets per employee ($millions) | 15.7216% | 109 |
| Cash dividends to net income (ytd only)* | 41.3138% | 2,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0001% | 3,512 |
| Loan loss allowance to noncurrent loans | 49.1780% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.5350% | 655 |
| Noncurrent loans to loans | 2.0336% | 627 |
| Net loans and leases to total assets | 74.1828% | 1,720 |
| Net loans and leases to deposits | 86.7790% | 1,999 |
| Net loans and leases to core deposits | 108.8625% | 922 |
| Total domestic deposits to total assets | 85.4848% | 2,301 |
| Equity capital to assets | 14.1332% | 1,045 |
| Core capital (leverage) ratio | 13.8251% | 973 |
| Tier 1 risk-based capital ratio | 16.9453% | 2,064 |
| Total risk-based capital ratio | 17.8633% | 2,116 |
| Memoranda: |
| Average total assets | $1,814,907,200 | 466 |
| Average earning assets | $1,754,086,600 | 440 |
| Average equity | $243,230,200 | 401 |
| Average total loans | $1,324,950,800 | 458 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8399% | 2,001 |
| Cost of funding earning assets | 1.4719% | 447 |
| Net interest margin | 3.3681% | 3,943 |
| Noninterest income to average assets | 0.1473% | 4,811 |
| Noninterest expense to average assets | 1.2607% | 5,159 |
| Loan and lease loss provision to assets | 0.2523% | 643 |
| Net operating income to assets | 1.5661% | 1,006 |
| Return on assets (ROA) | 1.5885% | 1,006 |
| Pretax return on assets | 1.9156% | 833 |
| Return on Equity (ROE) | 12.0146% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.5992% | 431 |
| Net charge-offs to loans | 0.3071% | 567 |
| Credit loss provision to net charge-offs | 113.2851% | 2,055 |
| Earnings coverage of net charge-offs (x) | 9.6126% | 2,560 |
| Efficiency ratio | 37.0638% | 5,160 |
| Assets per employee ($millions) | 14.9342% | 124 |
| Cash dividends to net income (ytd only)* | 3.4577% | 3,509 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0202% | 3,457 |
| Loan loss allowance to noncurrent loans | 45.7846% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.6343% | 639 |
| Noncurrent loans to loans | 2.2284% | 561 |
| Net loans and leases to total assets | 72.1026% | 2,160 |
| Net loans and leases to deposits | 84.6626% | 2,360 |
| Net loans and leases to core deposits | 106.0473% | 1,178 |
| Total domestic deposits to total assets | 85.1646% | 2,364 |
| Equity capital to assets | 14.2212% | 1,069 |
| Core capital (leverage) ratio | 14.7088% | 815 |
| Tier 1 risk-based capital ratio | 17.8086% | 1,876 |
| Total risk-based capital ratio | 18.7584% | 1,912 |
| Memoranda: |
| Average total assets | $1,820,569,000 | 466 |
| Average earning assets | $1,759,068,250 | 438 |
| Average equity | $240,711,750 | 407 |
| Average total loans | $1,320,443,500 | 455 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8767% | 1,831 |
| Cost of funding earning assets | 1.5640% | 308 |
| Net interest margin | 3.3127% | 4,112 |
| Noninterest income to average assets | 0.1453% | 4,845 |
| Noninterest expense to average assets | 1.2601% | 5,212 |
| Loan and lease loss provision to assets | 0.2871% | 496 |
| Net operating income to assets | 1.4855% | 1,186 |
| Return on assets (ROA) | 1.5135% | 1,160 |
| Pretax return on assets | 1.8290% | 971 |
| Return on Equity (ROE) | 11.7397% | 1,680 |
| Retained earnings to average equity (ytd only) | 11.1021% | 532 |
| Net charge-offs to loans | 0.3253% | 521 |
| Credit loss provision to net charge-offs | 121.8605% | 1,724 |
| Earnings coverage of net charge-offs (x) | 8.8381% | 2,381 |
| Efficiency ratio | 37.7004% | 5,191 |
| Assets per employee ($millions) | 14.5009% | 115 |
| Cash dividends to net income (ytd only)* | 5.4305% | 3,364 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0045% | 3,592 |
| Loan loss allowance to noncurrent loans | 362.6008% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 3,648 |
| Noncurrent loans to loans | 0.2770% | 3,539 |
| Net loans and leases to total assets | 77.7278% | 1,268 |
| Net loans and leases to deposits | 91.5611% | 1,543 |
| Net loans and leases to core deposits | 113.2205% | 808 |
| Total domestic deposits to total assets | 84.8917% | 2,528 |
| Equity capital to assets | 14.4493% | 963 |
| Core capital (leverage) ratio | 13.5498% | 1,092 |
| Tier 1 risk-based capital ratio | 16.9589% | 2,103 |
| Total risk-based capital ratio | 17.8972% | 2,141 |
| Memoranda: |
| Average total assets | $1,825,079,330 | 460 |
| Average earning assets | $1,761,380,000 | 441 |
| Average equity | $235,288,000 | 410 |
| Average total loans | $1,321,807,670 | 455 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7439% | 2,065 |
| Cost of funding earning assets | 1.6011% | 225 |
| Net interest margin | 3.1428% | 4,510 |
| Noninterest income to average assets | 0.1388% | 4,902 |
| Noninterest expense to average assets | 1.2410% | 5,273 |
| Loan and lease loss provision to assets | 0.2763% | 491 |
| Net operating income to assets | 1.3753% | 1,439 |
| Return on assets (ROA) | 1.4000% | 1,413 |
| Pretax return on assets | 1.6809% | 1,256 |
| Return on Equity (ROE) | 11.4901% | 1,739 |
| Retained earnings to average equity (ytd only) | 11.4901% | 704 |
| Net charge-offs to loans | 0.3207% | 471 |
| Credit loss provision to net charge-offs | 123.6917% | 1,400 |
| Earnings coverage of net charge-offs (x) | 8.6289% | 2,076 |
| Efficiency ratio | 39.1669% | 5,222 |
| Assets per employee ($millions) | 15.8042% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0062% | 3,655 |
| Loan loss allowance to noncurrent loans | 273.4858% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 3,498 |
| Noncurrent loans to loans | 0.3679% | 3,264 |
| Net loans and leases to total assets | 70.6323% | 2,385 |
| Net loans and leases to deposits | 89.8976% | 1,648 |
| Net loans and leases to core deposits | 110.9416% | 880 |
| Total domestic deposits to total assets | 78.5697% | 4,421 |
| Equity capital to assets | 12.7396% | 1,604 |
| Core capital (leverage) ratio | 12.5515% | 1,477 |
| Tier 1 risk-based capital ratio | 16.7358% | 2,192 |
| Total risk-based capital ratio | 17.6715% | 2,240 |
| Memoranda: |
| Average total assets | $1,882,063,500 | 455 |
| Average earning assets | $1,814,305,500 | 433 |
| Average equity | $229,310,500 | 421 |
| Average total loans | $1,310,959,000 | 459 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4282% | 2,667 |
| Cost of funding earning assets | 1.4909% | 90 |
| Net interest margin | 2.9373% | 4,868 |
| Noninterest income to average assets | 0.1438% | 4,993 |
| Noninterest expense to average assets | 1.2224% | 5,318 |
| Loan and lease loss provision to assets | 0.3732% | 391 |
| Net operating income to assets | 1.2074% | 2,134 |
| Return on assets (ROA) | 1.2061% | 2,134 |
| Pretax return on assets | 1.3785% | 2,212 |
| Return on Equity (ROE) | 10.4997% | 2,284 |
| Retained earnings to average equity (ytd only) | 10.4997% | 525 |
| Net charge-offs to loans | 0.3224% | 603 |
| Credit loss provision to net charge-offs | 173.6655% | 1,619 |
| Earnings coverage of net charge-offs (x) | 8.1586% | 2,922 |
| Efficiency ratio | 41.0823% | 5,261 |
| Assets per employee ($millions) | 16.0927% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0000% | 3,693 |
| Loan loss allowance to noncurrent loans | 257.8385% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 3,470 |
| Noncurrent loans to loans | 0.3878% | 3,144 |
| Net loans and leases to total assets | 67.3388% | 2,960 |
| Net loans and leases to deposits | 89.2793% | 1,895 |
| Net loans and leases to core deposits | 105.8067% | 1,284 |
| Total domestic deposits to total assets | 75.4249% | 4,826 |
| Equity capital to assets | 11.6475% | 2,140 |
| Core capital (leverage) ratio | 11.9101% | 1,793 |
| Tier 1 risk-based capital ratio | 16.0549% | 2,387 |
| Total risk-based capital ratio | 16.9608% | 2,450 |
| Memoranda: |
| Average total assets | $1,830,820,000 | 450 |
| Average earning assets | $1,765,040,000 | 425 |
| Average equity | $210,300,800 | 434 |
| Average total loans | $1,220,058,400 | 477 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3470% | 2,799 |
| Cost of funding earning assets | 1.4347% | 85 |
| Net interest margin | 2.9123% | 4,960 |
| Noninterest income to average assets | 0.1455% | 5,048 |
| Noninterest expense to average assets | 1.2353% | 5,388 |
| Loan and lease loss provision to assets | 0.3501% | 387 |
| Net operating income to assets | 1.1703% | 2,360 |
| Return on assets (ROA) | 1.1686% | 2,380 |
| Pretax return on assets | 1.3694% | 2,346 |
| Return on Equity (ROE) | 10.2113% | 2,524 |
| Retained earnings to average equity (ytd only) | 10.2113% | 854 |
| Net charge-offs to loans | 0.2261% | 754 |
| Credit loss provision to net charge-offs | 233.6283% | 1,237 |
| Earnings coverage of net charge-offs (x) | 11.4877% | 2,511 |
| Efficiency ratio | 41.7786% | 5,277 |
| Assets per employee ($millions) | 16.0477% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9966% | 3,792 |
| Loan loss allowance to noncurrent loans | 169.4276% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 3,027 |
| Noncurrent loans to loans | 0.5882% | 2,616 |
| Net loans and leases to total assets | 67.3940% | 3,021 |
| Net loans and leases to deposits | 94.0337% | 1,376 |
| Net loans and leases to core deposits | 111.6620% | 931 |
| Total domestic deposits to total assets | 71.6700% | 5,151 |
| Equity capital to assets | 11.1832% | 2,494 |
| Core capital (leverage) ratio | 11.8330% | 1,893 |
| Tier 1 risk-based capital ratio | 15.8622% | 2,497 |
| Total risk-based capital ratio | 16.7693% | 2,576 |
| Memoranda: |
| Average total assets | $1,809,766,000 | 455 |
| Average earning assets | $1,746,948,750 | 427 |
| Average equity | $207,112,500 | 436 |
| Average total loans | $1,199,426,000 | 480 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2712% | 2,865 |
| Cost of funding earning assets | 1.3865% | 77 |
| Net interest margin | 2.8847% | 5,033 |
| Noninterest income to average assets | 0.1401% | 5,117 |
| Noninterest expense to average assets | 1.2500% | 5,447 |
| Loan and lease loss provision to assets | 0.4133% | 289 |
| Net operating income to assets | 1.0866% | 2,633 |
| Return on assets (ROA) | 1.0841% | 2,655 |
| Pretax return on assets | 1.2596% | 2,679 |
| Return on Equity (ROE) | 9.3968% | 2,854 |
| Retained earnings to average equity (ytd only) | 9.3968% | 1,095 |
| Net charge-offs to loans | 0.2928% | 543 |
| Credit loss provision to net charge-offs | 215.0701% | 1,236 |
| Earnings coverage of net charge-offs (x) | 8.7208% | 2,447 |
| Efficiency ratio | 42.7223% | 5,320 |
| Assets per employee ($millions) | 16.2855% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9600% | 4,063 |
| Loan loss allowance to noncurrent loans | 428.7030% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 4,160 |
| Noncurrent loans to loans | 0.2239% | 3,917 |
| Net loans and leases to total assets | 66.0676% | 3,140 |
| Net loans and leases to deposits | 88.0693% | 2,105 |
| Net loans and leases to core deposits | 102.6056% | 1,518 |
| Total domestic deposits to total assets | 75.0177% | 4,957 |
| Equity capital to assets | 11.0750% | 2,565 |
| Core capital (leverage) ratio | 11.8457% | 1,811 |
| Tier 1 risk-based capital ratio | 15.7259% | 2,545 |
| Total risk-based capital ratio | 16.5969% | 2,643 |
| Memoranda: |
| Average total assets | $1,781,810,000 | 459 |
| Average earning assets | $1,720,691,670 | 434 |
| Average equity | $205,560,330 | 439 |
| Average total loans | $1,169,554,330 | 488 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1550% | 3,043 |
| Cost of funding earning assets | 1.4407% | 53 |
| Net interest margin | 2.7143% | 5,246 |
| Noninterest income to average assets | 0.1493% | 5,119 |
| Noninterest expense to average assets | 1.2860% | 5,500 |
| Loan and lease loss provision to assets | 0.3935% | 287 |
| Net operating income to assets | 0.9417% | 3,103 |
| Return on assets (ROA) | 0.9365% | 3,143 |
| Pretax return on assets | 1.0860% | 3,222 |
| Return on Equity (ROE) | 7.9438% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.9438% | 1,861 |
| Net charge-offs to loans | 0.3366% | 456 |
| Credit loss provision to net charge-offs | 179.7040% | 1,118 |
| Earnings coverage of net charge-offs (x) | 6.7844% | 2,138 |
| Efficiency ratio | 46.4005% | 5,252 |
| Assets per employee ($millions) | 15.4151% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9203% | 4,353 |
| Loan loss allowance to noncurrent loans | 47.6341% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.3067% | 1,138 |
| Noncurrent loans to loans | 1.9320% | 841 |
| Net loans and leases to total assets | 66.0870% | 3,019 |
| Net loans and leases to deposits | 79.4128% | 2,875 |
| Net loans and leases to core deposits | 105.4840% | 1,280 |
| Total domestic deposits to total assets | 83.2195% | 3,598 |
| Equity capital to assets | 11.3936% | 2,222 |
| Core capital (leverage) ratio | 12.1812% | 1,540 |
| Tier 1 risk-based capital ratio | 16.0875% | 2,431 |
| Total risk-based capital ratio | 16.9101% | 2,551 |
| Memoranda: |
| Average total assets | $1,728,153,500 | 474 |
| Average earning assets | $1,669,502,500 | 446 |
| Average equity | $203,730,500 | 449 |
| Average total loans | $1,124,233,500 | 509 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9990% | 3,407 |
| Cost of funding earning assets | 1.1441% | 99 |
| Net interest margin | 2.8549% | 5,100 |
| Noninterest income to average assets | 0.1607% | 5,156 |
| Noninterest expense to average assets | 1.3736% | 5,534 |
| Loan and lease loss provision to assets | 0.1790% | 1,209 |
| Net operating income to assets | 0.9600% | 2,404 |
| Return on assets (ROA) | 0.9593% | 2,443 |
| Pretax return on assets | 1.3609% | 2,121 |
| Return on Equity (ROE) | 8.8760% | 2,368 |
| Retained earnings to average equity (ytd only) | 8.5654% | 598 |
| Net charge-offs to loans | 0.1614% | 1,510 |
| Credit loss provision to net charge-offs | 158.5290% | 1,687 |
| Earnings coverage of net charge-offs (x) | 13.6471% | 2,377 |
| Efficiency ratio | 47.1291% | 5,353 |
| Assets per employee ($millions) | 15.3051% | 88 |
| Cash dividends to net income (ytd only)* | 3.4992% | 4,062 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9501% | 4,206 |
| Loan loss allowance to noncurrent loans | 140.2770% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 3,076 |
| Noncurrent loans to loans | 0.6773% | 2,517 |
| Net loans and leases to total assets | 62.7184% | 3,523 |
| Net loans and leases to deposits | 71.6135% | 3,737 |
| Net loans and leases to core deposits | 92.6423% | 2,311 |
| Total domestic deposits to total assets | 87.5790% | 1,716 |
| Equity capital to assets | 12.2052% | 1,696 |
| Core capital (leverage) ratio | 12.7035% | 1,265 |
| Tier 1 risk-based capital ratio | 17.3019% | 1,996 |
| Total risk-based capital ratio | 18.1485% | 2,067 |
| Memoranda: |
| Average total assets | $1,432,901,600 | 538 |
| Average earning assets | $1,382,259,600 | 511 |
| Average equity | $154,867,800 | 532 |
| Average total loans | $1,002,744,000 | 541 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9987% | 3,364 |
| Cost of funding earning assets | 1.0595% | 144 |
| Net interest margin | 2.9392% | 5,034 |
| Noninterest income to average assets | 0.1500% | 5,261 |
| Noninterest expense to average assets | 1.4408% | 5,557 |
| Loan and lease loss provision to assets | 0.2415% | 732 |
| Net operating income to assets | 0.9822% | 2,630 |
| Return on assets (ROA) | 0.9815% | 2,693 |
| Pretax return on assets | 1.3010% | 2,487 |
| Return on Equity (ROE) | 9.4569% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.0059% | 833 |
| Net charge-offs to loans | 0.0612% | 2,243 |
| Credit loss provision to net charge-offs | 547.9029% | 575 |
| Earnings coverage of net charge-offs (x) | 35.0157% | 1,421 |
| Efficiency ratio | 48.2800% | 5,329 |
| Assets per employee ($millions) | 13.9765% | 108 |
| Cash dividends to net income (ytd only)* | 4.7685% | 3,608 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0743% | 3,642 |
| Loan loss allowance to noncurrent loans | 266.5240% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 3,896 |
| Noncurrent loans to loans | 0.4031% | 3,496 |
| Net loans and leases to total assets | 65.9426% | 3,111 |
| Net loans and leases to deposits | 73.5555% | 3,619 |
| Net loans and leases to core deposits | 96.3138% | 2,034 |
| Total domestic deposits to total assets | 89.6502% | 602 |
| Equity capital to assets | 10.0783% | 3,827 |
| Core capital (leverage) ratio | 10.5937% | 2,887 |
| Tier 1 risk-based capital ratio | 13.7540% | 3,549 |
| Total risk-based capital ratio | 14.7345% | 3,625 |
| Memoranda: |
| Average total assets | $1,370,235,500 | 562 |
| Average earning assets | $1,321,260,750 | 538 |
| Average equity | $142,214,250 | 574 |
| Average total loans | $986,921,500 | 552 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9671% | 3,327 |
| Cost of funding earning assets | 0.9818% | 190 |
| Net interest margin | 2.9854% | 4,943 |
| Noninterest income to average assets | 0.1240% | 5,428 |
| Noninterest expense to average assets | 1.4989% | 5,573 |
| Loan and lease loss provision to assets | 0.2829% | 559 |
| Net operating income to assets | 0.9133% | 2,846 |
| Return on assets (ROA) | 0.9114% | 2,905 |
| Pretax return on assets | 1.2161% | 2,716 |
| Return on Equity (ROE) | 8.6812% | 2,676 |
| Retained earnings to average equity (ytd only) | 7.9792% | 1,177 |
| Net charge-offs to loans | 0.0965% | 1,660 |
| Credit loss provision to net charge-offs | 395.2891% | 790 |
| Earnings coverage of net charge-offs (x) | 20.9807% | 1,768 |
| Efficiency ratio | 49.9591% | 5,310 |
| Assets per employee ($millions) | 12.1472% | 167 |
| Cash dividends to net income (ytd only)* | 8.0868% | 3,414 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0410% | 3,896 |
| Loan loss allowance to noncurrent loans | 321.5591% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 4,218 |
| Noncurrent loans to loans | 0.3237% | 3,871 |
| Net loans and leases to total assets | 71.2402% | 2,326 |
| Net loans and leases to deposits | 79.7348% | 2,942 |
| Net loans and leases to core deposits | 107.6192% | 1,126 |
| Total domestic deposits to total assets | 89.3464% | 786 |
| Equity capital to assets | 10.3579% | 3,504 |
| Core capital (leverage) ratio | 10.6357% | 2,772 |
| Tier 1 risk-based capital ratio | 13.5165% | 3,697 |
| Total risk-based capital ratio | 14.4988% | 3,752 |
| Memoranda: |
| Average total assets | $1,305,190,670 | 590 |
| Average earning assets | $1,257,536,670 | 562 |
| Average equity | $137,031,670 | 595 |
| Average total loans | $968,076,670 | 562 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9471% | 3,216 |
| Cost of funding earning assets | 0.8908% | 297 |
| Net interest margin | 3.0562% | 4,774 |
| Noninterest income to average assets | 0.1589% | 5,326 |
| Noninterest expense to average assets | 1.5368% | 5,610 |
| Loan and lease loss provision to assets | 0.3457% | 349 |
| Net operating income to assets | 0.8882% | 2,824 |
| Return on assets (ROA) | 0.8863% | 2,878 |
| Pretax return on assets | 1.2128% | 2,540 |
| Return on Equity (ROE) | 8.3788% | 2,726 |
| Retained earnings to average equity (ytd only) | 6.9276% | 1,877 |
| Net charge-offs to loans | 0.1896% | 900 |
| Credit loss provision to net charge-offs | 241.7411% | 909 |
| Earnings coverage of net charge-offs (x) | 10.9174% | 1,914 |
| Efficiency ratio | 49.6085% | 5,396 |
| Assets per employee ($millions) | 12.1070% | 169 |
| Cash dividends to net income (ytd only)* | 17.3208% | 2,582 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0118% | 4,206 |
| Loan loss allowance to noncurrent loans | 2,895.8702% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 4,726 |
| Noncurrent loans to loans | 0.0349% | 5,060 |
| Net loans and leases to total assets | 73.4562% | 1,829 |
| Net loans and leases to deposits | 82.2149% | 2,476 |
| Net loans and leases to core deposits | 116.5819% | 573 |
| Total domestic deposits to total assets | 89.3465% | 977 |
| Equity capital to assets | 10.3030% | 3,403 |
| Core capital (leverage) ratio | 10.9698% | 2,389 |
| Tier 1 risk-based capital ratio | 14.2246% | 3,348 |
| Total risk-based capital ratio | 15.2384% | 3,398 |
| Memoranda: |
| Average total assets | $1,253,246,500 | 615 |
| Average earning assets | $1,205,145,000 | 584 |
| Average equity | $132,572,000 | 616 |
| Average total loans | $944,919,500 | 573 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7772% | 3,977 |
| Cost of funding earning assets | 0.7216% | 739 |
| Net interest margin | 3.0556% | 4,835 |
| Noninterest income to average assets | 0.2187% | 5,106 |
| Noninterest expense to average assets | 1.6945% | 5,571 |
| Loan and lease loss provision to assets | 0.2378% | 902 |
| Net operating income to assets | 0.8983% | 2,831 |
| Return on assets (ROA) | 0.9298% | 2,796 |
| Pretax return on assets | 1.2622% | 2,426 |
| Return on Equity (ROE) | 7.8974% | 3,000 |
| Retained earnings to average equity (ytd only) | 7.2448% | 1,137 |
| Net charge-offs to loans | 0.0179% | 3,707 |
| Credit loss provision to net charge-offs | 1,771.8310% | 248 |
| Earnings coverage of net charge-offs (x) | 108.6056% | 556 |
| Efficiency ratio | 53.7599% | 5,263 |
| Assets per employee ($millions) | 11.2050% | 212 |
| Cash dividends to net income (ytd only)* | 8.2639% | 4,052 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9985% | 4,342 |
| Loan loss allowance to noncurrent loans | 2,267.1605% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 5,130 |
| Noncurrent loans to loans | 0.0440% | 5,070 |
| Net loans and leases to total assets | 75.9305% | 1,524 |
| Net loans and leases to deposits | 85.5332% | 2,234 |
| Net loans and leases to core deposits | 124.0629% | 382 |
| Total domestic deposits to total assets | 88.7731% | 1,217 |
| Equity capital to assets | 10.8785% | 2,731 |
| Core capital (leverage) ratio | 11.6020% | 1,860 |
| Tier 1 risk-based capital ratio | 13.9176% | 3,510 |
| Total risk-based capital ratio | 14.8696% | 3,601 |
| Memoranda: |
| Average total assets | $1,058,115,400 | 681 |
| Average earning assets | $1,015,788,000 | 650 |
| Average equity | $124,572,000 | 642 |
| Average total loans | $791,909,600 | 632 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7334% | 4,130 |
| Cost of funding earning assets | 0.7006% | 811 |
| Net interest margin | 3.0328% | 4,946 |
| Noninterest income to average assets | 0.2212% | 5,142 |
| Noninterest expense to average assets | 1.7705% | 5,547 |
| Loan and lease loss provision to assets | 0.2235% | 916 |
| Net operating income to assets | 0.8441% | 3,181 |
| Return on assets (ROA) | 0.8875% | 3,101 |
| Pretax return on assets | 1.1989% | 2,845 |
| Return on Equity (ROE) | 7.3743% | 3,367 |
| Retained earnings to average equity (ytd only) | 6.6639% | 1,809 |
| Net charge-offs to loans | 0.0235% | 3,207 |
| Credit loss provision to net charge-offs | 1,279.8507% | 331 |
| Earnings coverage of net charge-offs (x) | 78.0831% | 802 |
| Efficiency ratio | 56.4876% | 5,006 |
| Assets per employee ($millions) | 10.4675% | 260 |
| Cash dividends to net income (ytd only)* | 9.6343% | 3,562 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0040% | 4,382 |
| Loan loss allowance to noncurrent loans | 1,217.4165% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 5,103 |
| Noncurrent loans to loans | 0.0825% | 5,023 |
| Net loans and leases to total assets | 73.8414% | 1,890 |
| Net loans and leases to deposits | 83.8546% | 2,502 |
| Net loans and leases to core deposits | 118.1515% | 569 |
| Total domestic deposits to total assets | 88.0588% | 1,373 |
| Equity capital to assets | 11.5225% | 2,494 |
| Core capital (leverage) ratio | 11.7392% | 1,851 |
| Tier 1 risk-based capital ratio | 15.5247% | 2,821 |
| Total risk-based capital ratio | 16.5421% | 2,853 |
| Memoranda: |
| Average total assets | $1,022,909,750 | 705 |
| Average earning assets | $982,519,000 | 677 |
| Average equity | $123,108,500 | 651 |
| Average total loans | $760,001,500 | 662 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7051% | 4,285 |
| Cost of funding earning assets | 0.6984% | 813 |
| Net interest margin | 3.0067% | 5,068 |
| Noninterest income to average assets | 0.2685% | 4,862 |
| Noninterest expense to average assets | 1.7928% | 5,601 |
| Loan and lease loss provision to assets | 0.2562% | 745 |
| Net operating income to assets | 0.8290% | 3,176 |
| Return on assets (ROA) | 0.8500% | 3,216 |
| Pretax return on assets | 1.1335% | 3,068 |
| Return on Equity (ROE) | 6.9514% | 3,575 |
| Retained earnings to average equity (ytd only) | 5.9706% | 2,130 |
| Net charge-offs to loans | 0.0215% | 3,064 |
| Credit loss provision to net charge-offs | 1,606.3291% | 251 |
| Earnings coverage of net charge-offs (x) | 85.3671% | 667 |
| Efficiency ratio | 56.8329% | 5,047 |
| Assets per employee ($millions) | 10.0360% | 281 |
| Cash dividends to net income (ytd only)* | 14.1093% | 3,374 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9997% | 4,529 |
| Loan loss allowance to noncurrent loans | 1,160.5225% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 5,167 |
| Noncurrent loans to loans | 0.0861% | 5,106 |
| Net loans and leases to total assets | 74.4309% | 1,743 |
| Net loans and leases to deposits | 84.7005% | 2,384 |
| Net loans and leases to core deposits | 121.6568% | 471 |
| Total domestic deposits to total assets | 87.8754% | 1,493 |
| Equity capital to assets | 11.8460% | 2,237 |
| Core capital (leverage) ratio | 12.1757% | 1,521 |
| Tier 1 risk-based capital ratio | 15.1417% | 3,010 |
| Total risk-based capital ratio | 16.1150% | 3,072 |
| Memoranda: |
| Average total assets | $990,539,330 | 733 |
| Average earning assets | $950,744,330 | 697 |
| Average equity | $121,126,670 | 660 |
| Average total loans | $734,859,670 | 679 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6723% | 4,413 |
| Cost of funding earning assets | 0.6937% | 830 |
| Net interest margin | 2.9786% | 5,167 |
| Noninterest income to average assets | 0.2797% | 4,710 |
| Noninterest expense to average assets | 1.8140% | 5,637 |
| Loan and lease loss provision to assets | 0.1933% | 1,026 |
| Net operating income to assets | 0.8458% | 3,006 |
| Return on assets (ROA) | 0.8533% | 3,105 |
| Pretax return on assets | 1.1397% | 2,934 |
| Return on Equity (ROE) | 6.8588% | 3,536 |
| Retained earnings to average equity (ytd only) | 5.9117% | 2,417 |
| Net charge-offs to loans | 0.0353% | 2,267 |
| Credit loss provision to net charge-offs | 743.5484% | 466 |
| Earnings coverage of net charge-offs (x) | 50.8871% | 882 |
| Efficiency ratio | 57.8265% | 5,019 |
| Assets per employee ($millions) | 9.5900% | 324 |
| Cash dividends to net income (ytd only)* | 13.8084% | 2,659 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9954% | 4,636 |
| Loan loss allowance to noncurrent loans | 144,120.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 5,526 |
| Noncurrent loans to loans | 0.0007% | 5,539 |
| Net loans and leases to total assets | 71.8633% | 2,066 |
| Net loans and leases to deposits | 82.3252% | 2,503 |
| Net loans and leases to core deposits | 119.0535% | 491 |
| Total domestic deposits to total assets | 87.2920% | 2,054 |
| Equity capital to assets | 12.0357% | 2,013 |
| Core capital (leverage) ratio | 12.3555% | 1,405 |
| Tier 1 risk-based capital ratio | 16.1572% | 2,603 |
| Total risk-based capital ratio | 17.1350% | 2,673 |
| Memoranda: |
| Average total assets | $953,901,500 | 760 |
| Average earning assets | $915,063,500 | 724 |
| Average equity | $118,680,000 | 675 |
| Average total loans | $702,388,000 | 708 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6781% | 4,431 |
| Cost of funding earning assets | 0.6134% | 1,291 |
| Net interest margin | 3.0646% | 4,996 |
| Noninterest income to average assets | 0.2645% | 4,985 |
| Noninterest expense to average assets | 1.9284% | 5,580 |
| Loan and lease loss provision to assets | 0.2208% | 929 |
| Net operating income to assets | 0.7684% | 3,474 |
| Return on assets (ROA) | 0.7681% | 3,563 |
| Pretax return on assets | 1.0495% | 3,267 |
| Return on Equity (ROE) | 6.2521% | 3,923 |
| Retained earnings to average equity (ytd only) | 5.8531% | 1,869 |
| Net charge-offs to loans | 0.0181% | 3,924 |
| Credit loss provision to net charge-offs | 1,640.5660% | 218 |
| Earnings coverage of net charge-offs (x) | 94.4057% | 608 |
| Efficiency ratio | 60.2802% | 4,876 |
| Assets per employee ($millions) | 8.7543% | 418 |
| Cash dividends to net income (ytd only)* | 6.3812% | 4,152 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9997% | 4,623 |
| Loan loss allowance to noncurrent loans | 605.5160% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 4,973 |
| Noncurrent loans to loans | 0.1651% | 4,828 |
| Net loans and leases to total assets | 74.0329% | 1,723 |
| Net loans and leases to deposits | 85.3775% | 2,201 |
| Net loans and leases to core deposits | 124.4693% | 369 |
| Total domestic deposits to total assets | 86.7124% | 2,267 |
| Equity capital to assets | 12.8861% | 1,406 |
| Core capital (leverage) ratio | 13.3015% | 1,042 |
| Tier 1 risk-based capital ratio | 16.9250% | 2,312 |
| Total risk-based capital ratio | 17.9125% | 2,362 |
| Memoranda: |
| Average total assets | $787,528,000 | 878 |
| Average earning assets | $754,116,600 | 844 |
| Average equity | $96,751,800 | 793 |
| Average total loans | $587,093,600 | 797 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6307% | 4,641 |
| Cost of funding earning assets | 0.6011% | 1,398 |
| Net interest margin | 3.0295% | 5,127 |
| Noninterest income to average assets | 0.2923% | 4,854 |
| Noninterest expense to average assets | 1.9772% | 5,523 |
| Loan and lease loss provision to assets | 0.2301% | 795 |
| Net operating income to assets | 0.7253% | 3,787 |
| Return on assets (ROA) | 0.7237% | 3,904 |
| Pretax return on assets | 0.9845% | 3,671 |
| Return on Equity (ROE) | 5.9789% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.5917% | 2,526 |
| Net charge-offs to loans | 0.0312% | 3,298 |
| Credit loss provision to net charge-offs | 989.3939% | 377 |
| Earnings coverage of net charge-offs (x) | 52.3169% | 1,012 |
| Efficiency ratio | 61.9063% | 4,585 |
| Assets per employee ($millions) | 8.2709% | 477 |
| Cash dividends to net income (ytd only)* | 6.4752% | 3,666 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0002% | 4,747 |
| Loan loss allowance to noncurrent loans | 3,606.8182% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 5,547 |
| Noncurrent loans to loans | 0.0277% | 5,518 |
| Net loans and leases to total assets | 74.4814% | 1,641 |
| Net loans and leases to deposits | 86.9717% | 2,031 |
| Net loans and leases to core deposits | 123.8566% | 381 |
| Total domestic deposits to total assets | 85.6387% | 2,720 |
| Equity capital to assets | 13.6675% | 1,150 |
| Core capital (leverage) ratio | 14.0739% | 842 |
| Tier 1 risk-based capital ratio | 17.8333% | 2,084 |
| Total risk-based capital ratio | 18.8202% | 2,124 |
| Memoranda: |
| Average total assets | $756,798,500 | 919 |
| Average earning assets | $724,847,250 | 884 |
| Average equity | $91,609,500 | 836 |
| Average total loans | $563,658,000 | 838 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6248% | 4,652 |
| Cost of funding earning assets | 0.5965% | 1,441 |
| Net interest margin | 3.0283% | 5,156 |
| Noninterest income to average assets | 0.2976% | 4,829 |
| Noninterest expense to average assets | 2.0001% | 5,531 |
| Loan and lease loss provision to assets | 0.1531% | 1,386 |
| Net operating income to assets | 0.7579% | 3,607 |
| Return on assets (ROA) | 0.7556% | 3,718 |
| Pretax return on assets | 1.0400% | 3,419 |
| Return on Equity (ROE) | 6.5702% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.2333% | 2,098 |
| Net charge-offs to loans | 0.0415% | 2,858 |
| Credit loss provision to net charge-offs | 497.3214% | 636 |
| Earnings coverage of net charge-offs (x) | 38.8661% | 1,149 |
| Efficiency ratio | 62.5774% | 4,578 |
| Assets per employee ($millions) | 7.7566% | 592 |
| Cash dividends to net income (ytd only)* | 5.1273% | 3,558 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9916% | 4,907 |
| Loan loss allowance to noncurrent loans | 3,305.2941% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 5,623 |
| Noncurrent loans to loans | 0.0300% | 5,635 |
| Net loans and leases to total assets | 70.9149% | 2,176 |
| Net loans and leases to deposits | 82.5514% | 2,488 |
| Net loans and leases to core deposits | 117.9833% | 528 |
| Total domestic deposits to total assets | 85.9039% | 2,741 |
| Equity capital to assets | 13.4718% | 1,182 |
| Core capital (leverage) ratio | 14.0245% | 830 |
| Tier 1 risk-based capital ratio | 18.8017% | 1,840 |
| Total risk-based capital ratio | 19.7969% | 1,870 |
| Memoranda: |
| Average total assets | $727,855,000 | 957 |
| Average earning assets | $696,695,330 | 921 |
| Average equity | $83,711,670 | 915 |
| Average total loans | $539,979,000 | 874 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6869% | 4,414 |
| Cost of funding earning assets | 0.5857% | 1,537 |
| Net interest margin | 3.1012% | 4,946 |
| Noninterest income to average assets | 0.2965% | 4,798 |
| Noninterest expense to average assets | 2.0253% | 5,531 |
| Loan and lease loss provision to assets | 0.1431% | 1,428 |
| Net operating income to assets | 0.8464% | 3,025 |
| Return on assets (ROA) | 0.8446% | 3,157 |
| Pretax return on assets | 1.0916% | 3,119 |
| Return on Equity (ROE) | 8.1356% | 2,892 |
| Retained earnings to average equity (ytd only) | 7.6154% | 1,718 |
| Net charge-offs to loans | 0.0137% | 2,904 |
| Credit loss provision to net charge-offs | 1,383.3333% | 266 |
| Earnings coverage of net charge-offs (x) | 119.6111% | 424 |
| Efficiency ratio | 62.0817% | 4,780 |
| Assets per employee ($millions) | 7.4764% | 681 |
| Cash dividends to net income (ytd only)* | 6.3946% | 2,772 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0050% | 4,988 |
| Loan loss allowance to noncurrent loans | 2,921.0811% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 5,664 |
| Noncurrent loans to loans | 0.0344% | 5,656 |
| Net loans and leases to total assets | 71.1968% | 1,945 |
| Net loans and leases to deposits | 79.7444% | 2,587 |
| Net loans and leases to core deposits | 118.1925% | 450 |
| Total domestic deposits to total assets | 89.2812% | 1,100 |
| Equity capital to assets | 10.0891% | 4,032 |
| Core capital (leverage) ratio | 10.3545% | 3,157 |
| Tier 1 risk-based capital ratio | 14.7248% | 3,590 |
| Total risk-based capital ratio | 15.8130% | 3,612 |
| Memoranda: |
| Average total assets | $696,195,500 | 999 |
| Average earning assets | $665,816,500 | 969 |
| Average equity | $72,275,000 | 1,064 |
| Average total loans | $526,629,000 | 894 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8589% | 4,287 |
| Cost of funding earning assets | 0.5644% | 2,102 |
| Net interest margin | 3.2945% | 4,588 |
| Noninterest income to average assets | 0.3888% | 4,271 |
| Noninterest expense to average assets | 2.4243% | 4,779 |
| Loan and lease loss provision to assets | 0.4941% | 312 |
| Net operating income to assets | 0.4882% | 4,855 |
| Return on assets (ROA) | 0.5079% | 4,866 |
| Pretax return on assets | 0.6245% | 4,856 |
| Return on Equity (ROE) | 4.1026% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.7916% | 3,520 |
| Net charge-offs to loans | -0.0031% | 5,412 |
| Credit loss provision to net charge-offs | -21,925.0000% | 6,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8978% | 3,735 |
| Assets per employee ($millions) | 6.3211% | 1,170 |
| Cash dividends to net income (ytd only)* | 7.5814% | 4,181 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0036% | 5,035 |
| Loan loss allowance to noncurrent loans | 2,796.7568% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 5,717 |
| Noncurrent loans to loans | 0.0359% | 5,743 |
| Net loans and leases to total assets | 79.1599% | 864 |
| Net loans and leases to deposits | 90.7710% | 1,437 |
| Net loans and leases to core deposits | 127.4455% | 278 |
| Total domestic deposits to total assets | 87.2084% | 2,165 |
| Equity capital to assets | 10.7204% | 3,211 |
| Core capital (leverage) ratio | 10.7971% | 2,614 |
| Tier 1 risk-based capital ratio | 13.1802% | 4,603 |
| Total risk-based capital ratio | 14.1760% | 4,697 |
| Memoranda: |
| Average total assets | $532,437,400 | 1,260 |
| Average earning assets | $505,846,200 | 1,214 |
| Average equity | $65,909,600 | 1,115 |
| Average total loans | $385,369,000 | 1,149 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8142% | 4,491 |
| Cost of funding earning assets | 0.5540% | 2,251 |
| Net interest margin | 3.2602% | 4,759 |
| Noninterest income to average assets | 0.4187% | 4,107 |
| Noninterest expense to average assets | 2.5235% | 4,451 |
| Loan and lease loss provision to assets | 0.5110% | 295 |
| Net operating income to assets | 0.4234% | 5,162 |
| Return on assets (ROA) | 0.4267% | 5,228 |
| Pretax return on assets | 0.4822% | 5,373 |
| Return on Equity (ROE) | 3.3053% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.1128% | 4,407 |
| Net charge-offs to loans | 0.0019% | 4,652 |
| Credit loss provision to net charge-offs | 38,660.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 748.2069% | 96 |
| Efficiency ratio | 71.8338% | 3,212 |
| Assets per employee ($millions) | 5.9927% | 1,341 |
| Cash dividends to net income (ytd only)* | 5.8240% | 3,689 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0077% | 5,181 |
| Loan loss allowance to noncurrent loans | 2,397.3118% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 5,737 |
| Noncurrent loans to loans | 0.0420% | 5,845 |
| Net loans and leases to total assets | 73.8359% | 1,551 |
| Net loans and leases to deposits | 83.9048% | 2,165 |
| Net loans and leases to core deposits | 115.7350% | 518 |
| Total domestic deposits to total assets | 87.9997% | 1,771 |
| Equity capital to assets | 11.1899% | 2,773 |
| Core capital (leverage) ratio | 11.5352% | 2,038 |
| Tier 1 risk-based capital ratio | 13.9953% | 4,219 |
| Total risk-based capital ratio | 14.9454% | 4,356 |
| Memoranda: |
| Average total assets | $504,358,500 | 1,335 |
| Average earning assets | $478,686,500 | 1,291 |
| Average equity | $65,107,000 | 1,136 |
| Average total loans | $352,821,250 | 1,258 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7965% | 4,541 |
| Cost of funding earning assets | 0.5449% | 2,387 |
| Net interest margin | 3.2516% | 4,775 |
| Noninterest income to average assets | 0.4344% | 3,994 |
| Noninterest expense to average assets | 2.6576% | 4,024 |
| Loan and lease loss provision to assets | 0.5704% | 249 |
| Net operating income to assets | 0.2324% | 5,752 |
| Return on assets (ROA) | 0.2372% | 5,811 |
| Pretax return on assets | 0.2920% | 5,796 |
| Return on Equity (ROE) | 1.7409% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.6450% | 5,076 |
| Net charge-offs to loans | -0.0037% | 5,129 |
| Credit loss provision to net charge-offs | -22,566.6667% | 5,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6264% | 2,702 |
| Assets per employee ($millions) | 5.7902% | 1,438 |
| Cash dividends to net income (ytd only)* | 5.5062% | 3,551 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0011% | 5,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 5,876 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.6749% | 1,970 |
| Net loans and leases to deposits | 82.1132% | 2,242 |
| Net loans and leases to core deposits | 113.7560% | 547 |
| Total domestic deposits to total assets | 86.0701% | 3,004 |
| Equity capital to assets | 12.0140% | 1,969 |
| Core capital (leverage) ratio | 12.3529% | 1,471 |
| Tier 1 risk-based capital ratio | 16.3518% | 2,903 |
| Total risk-based capital ratio | 17.3488% | 2,981 |
| Memoranda: |
| Average total assets | $474,719,670 | 1,413 |
| Average earning assets | $449,620,000 | 1,370 |
| Average equity | $64,680,330 | 1,130 |
| Average total loans | $322,925,330 | 1,350 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7626% | 4,624 |
| Cost of funding earning assets | 0.5341% | 2,563 |
| Net interest margin | 3.2285% | 4,822 |
| Noninterest income to average assets | 0.4664% | 3,661 |
| Noninterest expense to average assets | 2.7958% | 3,584 |
| Loan and lease loss provision to assets | 0.6783% | 182 |
| Net operating income to assets | 0.0609% | 6,104 |
| Return on assets (ROA) | 0.0609% | 6,128 |
| Pretax return on assets | 0.0427% | 6,163 |
| Return on Equity (ROE) | 0.4166% | 6,161 |
| Retained earnings to average equity (ytd only) | 0.2239% | 5,483 |
| Net charge-offs to loans | -0.0069% | 4,913 |
| Credit loss provision to net charge-offs | -14,920.0000% | 5,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4984% | 2,278 |
| Assets per employee ($millions) | 5.0497% | 2,192 |
| Cash dividends to net income (ytd only)* | 46.2687% | 1,804 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0098% | 5,478 |
| Loan loss allowance to noncurrent loans | 79.5444% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 3,398 |
| Noncurrent loans to loans | 1.2694% | 2,906 |
| Net loans and leases to total assets | 67.0689% | 2,383 |
| Net loans and leases to deposits | 78.2764% | 2,511 |
| Net loans and leases to core deposits | 103.9128% | 861 |
| Total domestic deposits to total assets | 85.6822% | 3,523 |
| Equity capital to assets | 13.4817% | 1,101 |
| Core capital (leverage) ratio | 14.6358% | 669 |
| Tier 1 risk-based capital ratio | 16.7350% | 2,795 |
| Total risk-based capital ratio | 17.5905% | 2,947 |
| Memoranda: |
| Average total assets | $439,942,000 | 1,529 |
| Average earning assets | $415,669,500 | 1,490 |
| Average equity | $64,326,000 | 1,134 |
| Average total loans | $290,110,000 | 1,478 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9501% | 4,283 |
| Cost of funding earning assets | 0.4514% | 4,094 |
| Net interest margin | 3.4988% | 3,917 |
| Noninterest income to average assets | 0.7636% | 2,243 |
| Noninterest expense to average assets | 3.4669% | 1,734 |
| Loan and lease loss provision to assets | 0.3323% | 974 |
| Net operating income to assets | 0.2928% | 5,547 |
| Return on assets (ROA) | 0.3166% | 5,563 |
| Pretax return on assets | 0.2324% | 5,882 |
| Return on Equity (ROE) | 2.2650% | 5,749 |
| Retained earnings to average equity (ytd only) | 1.3652% | 5,214 |
| Net charge-offs to loans | 0.0686% | 4,251 |
| Credit loss provision to net charge-offs | 750.7576% | 327 |
| Earnings coverage of net charge-offs (x) | 12.2197% | 2,148 |
| Efficiency ratio | 86.5032% | 1,366 |
| Assets per employee ($millions) | 4.4963% | 2,906 |
| Cash dividends to net income (ytd only)* | 39.7246% | 2,820 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9918% | 5,613 |
| Loan loss allowance to noncurrent loans | 65.1312% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 3,304 |
| Noncurrent loans to loans | 1.5227% | 2,611 |
| Net loans and leases to total assets | 63.1401% | 3,192 |
| Net loans and leases to deposits | 75.9487% | 2,971 |
| Net loans and leases to core deposits | 90.1641% | 2,000 |
| Total domestic deposits to total assets | 83.1353% | 4,500 |
| Equity capital to assets | 15.9878% | 526 |
| Core capital (leverage) ratio | 17.7860% | 309 |
| Tier 1 risk-based capital ratio | 22.7909% | 1,130 |
| Total risk-based capital ratio | 23.6982% | 1,162 |
| Memoranda: |
| Average total assets | $298,189,200 | 2,155 |
| Average earning assets | $276,497,400 | 2,139 |
| Average equity | $41,678,200 | 1,684 |
| Average total loans | $192,458,800 | 2,075 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1065% | 3,735 |
| Cost of funding earning assets | 0.4252% | 4,554 |
| Net interest margin | 3.6812% | 3,098 |
| Noninterest income to average assets | 0.8815% | 1,817 |
| Noninterest expense to average assets | 3.7922% | 1,093 |
| Loan and lease loss provision to assets | 0.3266% | 1,013 |
| Net operating income to assets | 0.1393% | 6,056 |
| Return on assets (ROA) | 0.1701% | 6,057 |
| Pretax return on assets | 0.1922% | 6,052 |
| Return on Equity (ROE) | 1.2852% | 6,125 |
| Retained earnings to average equity (ytd only) | -0.0997% | 5,954 |
| Net charge-offs to loans | 0.0845% | 3,739 |
| Credit loss provision to net charge-offs | 596.4286% | 475 |
| Earnings coverage of net charge-offs (x) | 8.8393% | 2,568 |
| Efficiency ratio | 88.6805% | 1,112 |
| Assets per employee ($millions) | 3.8781% | 4,076 |
| Cash dividends to net income (ytd only)* | 107.7588% | 331 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9957% | 5,747 |
| Loan loss allowance to noncurrent loans | 58.0057% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 3,097 |
| Noncurrent loans to loans | 1.7165% | 2,621 |
| Net loans and leases to total assets | 67.2053% | 2,431 |
| Net loans and leases to deposits | 79.2192% | 2,513 |
| Net loans and leases to core deposits | 90.6730% | 1,907 |
| Total domestic deposits to total assets | 84.8346% | 3,827 |
| Equity capital to assets | 13.7302% | 1,042 |
| Core capital (leverage) ratio | 14.7890% | 676 |
| Tier 1 risk-based capital ratio | 18.4505% | 2,160 |
| Total risk-based capital ratio | 19.3674% | 2,249 |
| Memoranda: |
| Average total assets | $272,694,750 | 2,335 |
| Average earning assets | $251,466,750 | 2,329 |
| Average equity | $36,103,250 | 1,925 |
| Average total loans | $176,774,250 | 2,238 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1792% | 3,448 |
| Cost of funding earning assets | 0.4069% | 4,876 |
| Net interest margin | 3.7723% | 2,665 |
| Noninterest income to average assets | 0.9105% | 1,785 |
| Noninterest expense to average assets | 3.9296% | 946 |
| Loan and lease loss provision to assets | 0.2775% | 1,326 |
| Net operating income to assets | 0.2026% | 5,880 |
| Return on assets (ROA) | 0.2586% | 5,880 |
| Pretax return on assets | 0.2231% | 6,045 |
| Return on Equity (ROE) | 1.9848% | 5,961 |
| Retained earnings to average equity (ytd only) | 0.4720% | 5,709 |
| Net charge-offs to loans | 0.1117% | 3,247 |
| Credit loss provision to net charge-offs | 391.1111% | 671 |
| Earnings coverage of net charge-offs (x) | 6.2667% | 2,747 |
| Efficiency ratio | 89.8360% | 1,062 |
| Assets per employee ($millions) | 3.4541% | 4,949 |
| Cash dividends to net income (ytd only)* | 76.2195% | 1,003 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9955% | 5,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 6,006 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 67.9052% | 2,256 |
| Net loans and leases to deposits | 81.5540% | 2,108 |
| Net loans and leases to core deposits | 92.0086% | 1,708 |
| Total domestic deposits to total assets | 83.2641% | 4,607 |
| Equity capital to assets | 15.1831% | 676 |
| Core capital (leverage) ratio | 15.9383% | 473 |
| Tier 1 risk-based capital ratio | 20.8590% | 1,522 |
| Total risk-based capital ratio | 21.8087% | 1,571 |
| Memoranda: |
| Average total assets | $253,713,330 | 2,518 |
| Average earning assets | $232,963,000 | 2,511 |
| Average equity | $33,051,000 | 2,107 |
| Average total loans | $161,111,330 | 2,423 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1182% | 3,650 |
| Cost of funding earning assets | 0.4142% | 4,974 |
| Net interest margin | 3.7041% | 2,832 |
| Noninterest income to average assets | 0.8805% | 1,828 |
| Noninterest expense to average assets | 4.3189% | 616 |
| Loan and lease loss provision to assets | 0.2494% | 1,447 |
| Net operating income to assets | -0.0313% | 6,380 |
| Return on assets (ROA) | 0.0469% | 6,343 |
| Pretax return on assets | -0.1674% | 6,528 |
| Return on Equity (ROE) | 0.3989% | 6,349 |
| Retained earnings to average equity (ytd only) | -0.4987% | 5,879 |
| Net charge-offs to loans | 0.1107% | 2,769 |
| Credit loss provision to net charge-offs | 372.5000% | 679 |
| Earnings coverage of net charge-offs (x) | -0.6000% | 3,935 |
| Efficiency ratio | 100.9390% | 509 |
| Assets per employee ($millions) | 3.4847% | 5,011 |
| Cash dividends to net income (ytd only)* | 225.0000% | 173 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1179% | 5,530 |
| Loan loss allowance to noncurrent loans | 1,349.2424% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 5,811 |
| Noncurrent loans to loans | 0.0829% | 6,234 |
| Net loans and leases to total assets | 61.9307% | 3,075 |
| Net loans and leases to deposits | 72.5596% | 3,115 |
| Net loans and leases to core deposits | 82.3661% | 2,526 |
| Total domestic deposits to total assets | 85.3515% | 3,867 |
| Equity capital to assets | 13.2612% | 1,312 |
| Core capital (leverage) ratio | 13.7813% | 857 |
| Tier 1 risk-based capital ratio | 18.8410% | 2,084 |
| Total risk-based capital ratio | 19.8669% | 2,124 |
| Memoranda: |
| Average total assets | $238,952,000 | 2,684 |
| Average earning assets | $219,219,500 | 2,674 |
| Average equity | $28,074,500 | 2,435 |
| Average total loans | $144,534,000 | 2,654 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3645% | 3,965 |
| Cost of funding earning assets | 0.5543% | 4,779 |
| Net interest margin | 3.8102% | 3,183 |
| Noninterest income to average assets | 1.0565% | 1,387 |
| Noninterest expense to average assets | 3.7128% | 1,392 |
| Loan and lease loss provision to assets | 0.1268% | 4,027 |
| Net operating income to assets | 0.5635% | 4,414 |
| Return on assets (ROA) | 0.9174% | 2,972 |
| Pretax return on assets | 1.1199% | 3,082 |
| Return on Equity (ROE) | 9.2082% | 2,531 |
| Retained earnings to average equity (ytd only) | 7.8712% | 1,165 |
| Net charge-offs to loans | 0.0563% | 5,142 |
| Credit loss provision to net charge-offs | 408.8235% | 588 |
| Earnings coverage of net charge-offs (x) | 26.2794% | 1,107 |
| Efficiency ratio | 81.9968% | 1,866 |
| Assets per employee ($millions) | 3.1045% | 5,837 |
| Cash dividends to net income (ytd only)* | 14.5201% | 3,935 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2887% | 4,696 |
| Loan loss allowance to noncurrent loans | 470.9859% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 5,666 |
| Noncurrent loans to loans | 0.2736% | 5,796 |
| Net loans and leases to total assets | 57.2984% | 4,085 |
| Net loans and leases to deposits | 67.4818% | 4,054 |
| Net loans and leases to core deposits | 72.9523% | 3,923 |
| Total domestic deposits to total assets | 84.9094% | 3,902 |
| Equity capital to assets | 10.0281% | 4,129 |
| Core capital (leverage) ratio | 9.4559% | 4,174 |
| Tier 1 risk-based capital ratio | 14.9319% | 3,757 |
| Total risk-based capital ratio | 16.1223% | 3,742 |
| Memoranda: |
| Average total assets | $219,217,200 | 2,847 |
| Average earning assets | $199,726,800 | 2,851 |
| Average equity | $21,839,200 | 2,996 |
| Average total loans | $120,711,400 | 3,056 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3973% | 4,062 |
| Cost of funding earning assets | 0.5859% | 4,780 |
| Net interest margin | 3.8114% | 3,287 |
| Noninterest income to average assets | 1.0696% | 1,318 |
| Noninterest expense to average assets | 3.6770% | 1,402 |
| Loan and lease loss provision to assets | 0.0941% | 4,412 |
| Net operating income to assets | 0.6271% | 4,256 |
| Return on assets (ROA) | 1.0837% | 2,353 |
| Pretax return on assets | 1.3263% | 2,507 |
| Return on Equity (ROE) | 10.8961% | 1,995 |
| Retained earnings to average equity (ytd only) | 9.1016% | 1,184 |
| Net charge-offs to loans | 0.0450% | 5,023 |
| Credit loss provision to net charge-offs | 385.0000% | 703 |
| Earnings coverage of net charge-offs (x) | 35.3263% | 964 |
| Efficiency ratio | 80.9799% | 1,942 |
| Assets per employee ($millions) | 3.0664% | 5,931 |
| Cash dividends to net income (ytd only)* | 16.4691% | 3,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3087% | 4,775 |
| Loan loss allowance to noncurrent loans | 642.8571% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 5,984 |
| Noncurrent loans to loans | 0.2036% | 6,101 |
| Net loans and leases to total assets | 53.7970% | 4,779 |
| Net loans and leases to deposits | 63.7090% | 4,755 |
| Net loans and leases to core deposits | 68.8657% | 4,630 |
| Total domestic deposits to total assets | 84.4418% | 4,007 |
| Equity capital to assets | 10.1301% | 4,313 |
| Core capital (leverage) ratio | 9.4873% | 4,288 |
| Tier 1 risk-based capital ratio | 15.6722% | 3,444 |
| Total risk-based capital ratio | 16.8555% | 3,437 |
| Memoranda: |
| Average total assets | $218,140,750 | 2,873 |
| Average earning assets | $198,664,000 | 2,877 |
| Average equity | $21,695,250 | 3,035 |
| Average total loans | $118,452,500 | 3,156 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4003% | 4,186 |
| Cost of funding earning assets | 0.6179% | 4,736 |
| Net interest margin | 3.7823% | 3,443 |
| Noninterest income to average assets | 0.9979% | 1,470 |
| Noninterest expense to average assets | 3.6343% | 1,503 |
| Loan and lease loss provision to assets | 0.1068% | 4,189 |
| Net operating income to assets | 0.6042% | 4,352 |
| Return on assets (ROA) | 1.1608% | 2,051 |
| Pretax return on assets | 1.3394% | 2,429 |
| Return on Equity (ROE) | 11.7455% | 1,756 |
| Retained earnings to average equity (ytd only) | 9.4914% | 1,117 |
| Net charge-offs to loans | 0.0356% | 4,885 |
| Credit loss provision to net charge-offs | 552.3810% | 559 |
| Earnings coverage of net charge-offs (x) | 41.7143% | 848 |
| Efficiency ratio | 81.8408% | 1,899 |
| Assets per employee ($millions) | 2.8661% | 6,289 |
| Cash dividends to net income (ytd only)* | 19.1911% | 3,009 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2880% | 4,940 |
| Loan loss allowance to noncurrent loans | 169.3145% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 5,582 |
| Noncurrent loans to loans | 0.7607% | 4,988 |
| Net loans and leases to total assets | 54.0358% | 4,795 |
| Net loans and leases to deposits | 63.3251% | 4,849 |
| Net loans and leases to core deposits | 69.5660% | 4,583 |
| Total domestic deposits to total assets | 85.3308% | 3,695 |
| Equity capital to assets | 9.8656% | 4,523 |
| Core capital (leverage) ratio | 9.3730% | 4,333 |
| Tier 1 risk-based capital ratio | 15.3302% | 3,555 |
| Total risk-based capital ratio | 16.5046% | 3,568 |
| Memoranda: |
| Average total assets | $217,261,670 | 2,900 |
| Average earning assets | $197,761,000 | 2,903 |
| Average equity | $21,472,000 | 3,049 |
| Average total loans | $117,821,000 | 3,184 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4289% | 4,204 |
| Cost of funding earning assets | 0.6644% | 4,589 |
| Net interest margin | 3.7645% | 3,544 |
| Noninterest income to average assets | 0.9501% | 1,567 |
| Noninterest expense to average assets | 3.6409% | 1,477 |
| Loan and lease loss provision to assets | 0.1355% | 3,655 |
| Net operating income to assets | 0.6180% | 4,274 |
| Return on assets (ROA) | 0.6180% | 4,481 |
| Pretax return on assets | 0.6013% | 5,115 |
| Return on Equity (ROE) | 6.2471% | 4,166 |
| Retained earnings to average equity (ytd only) | 1.7072% | 5,377 |
| Net charge-offs to loans | 0.0756% | 3,746 |
| Credit loss provision to net charge-offs | 331.8182% | 908 |
| Earnings coverage of net charge-offs (x) | 18.0455% | 1,280 |
| Efficiency ratio | 83.1708% | 1,778 |
| Assets per employee ($millions) | 3.0085% | 6,135 |
| Cash dividends to net income (ytd only)* | 72.6727% | 929 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2779% | 5,118 |
| Loan loss allowance to noncurrent loans | 166.5198% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 5,635 |
| Noncurrent loans to loans | 0.7674% | 5,127 |
| Net loans and leases to total assets | 53.1857% | 4,856 |
| Net loans and leases to deposits | 61.8200% | 4,946 |
| Net loans and leases to core deposits | 67.8775% | 4,694 |
| Total domestic deposits to total assets | 86.0332% | 3,509 |
| Equity capital to assets | 9.6744% | 4,559 |
| Core capital (leverage) ratio | 9.1935% | 4,530 |
| Tier 1 risk-based capital ratio | 15.0563% | 3,723 |
| Total risk-based capital ratio | 16.2202% | 3,739 |
| Memoranda: |
| Average total assets | $215,549,000 | 2,939 |
| Average earning assets | $196,257,000 | 2,944 |
| Average equity | $21,322,000 | 3,070 |
| Average total loans | $116,328,500 | 3,223 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7810% | 3,898 |
| Cost of funding earning assets | 0.7180% | 5,415 |
| Net interest margin | 4.0630% | 2,592 |
| Noninterest income to average assets | 0.9397% | 1,537 |
| Noninterest expense to average assets | 3.7614% | 1,423 |
| Loan and lease loss provision to assets | 0.0254% | 6,255 |
| Net operating income to assets | 0.7415% | 3,288 |
| Return on assets (ROA) | 0.7588% | 3,383 |
| Pretax return on assets | 0.8365% | 3,841 |
| Return on Equity (ROE) | 7.4301% | 3,183 |
| Retained earnings to average equity (ytd only) | 4.5303% | 2,948 |
| Net charge-offs to loans | 0.0506% | 5,809 |
| Credit loss provision to net charge-offs | 91.0714% | 3,964 |
| Earnings coverage of net charge-offs (x) | 30.1964% | 837 |
| Efficiency ratio | 81.6912% | 2,061 |
| Assets per employee ($millions) | 2.8969% | 6,292 |
| Cash dividends to net income (ytd only)* | 39.0276% | 2,664 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2778% | 5,030 |
| Loan loss allowance to noncurrent loans | 36,525.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 6,703 |
| Noncurrent loans to loans | 0.0035% | 6,865 |
| Net loans and leases to total assets | 53.3755% | 5,116 |
| Net loans and leases to deposits | 62.3447% | 5,195 |
| Net loans and leases to core deposits | 67.2383% | 5,130 |
| Total domestic deposits to total assets | 85.6136% | 3,527 |
| Equity capital to assets | 10.1179% | 4,016 |
| Core capital (leverage) ratio | 9.6121% | 3,849 |
| Tier 1 risk-based capital ratio | 15.8592% | 3,124 |
| Total risk-based capital ratio | 17.0385% | 3,124 |
| Memoranda: |
| Average total assets | $200,588,200 | 3,050 |
| Average earning assets | $180,923,400 | 3,078 |
| Average equity | $20,484,200 | 3,073 |
| Average total loans | $110,581,200 | 3,365 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8568% | 3,748 |
| Cost of funding earning assets | 0.7292% | 5,602 |
| Net interest margin | 4.1276% | 2,364 |
| Noninterest income to average assets | 0.9360% | 1,528 |
| Noninterest expense to average assets | 3.8557% | 1,220 |
| Loan and lease loss provision to assets | 0.0175% | 6,220 |
| Net operating income to assets | 0.7127% | 3,544 |
| Return on assets (ROA) | 0.7372% | 3,612 |
| Pretax return on assets | 0.8127% | 4,078 |
| Return on Equity (ROE) | 7.2010% | 3,423 |
| Retained earnings to average equity (ytd only) | 4.1139% | 3,801 |
| Net charge-offs to loans | 0.0474% | 5,513 |
| Credit loss provision to net charge-offs | 66.6667% | 4,580 |
| Earnings coverage of net charge-offs (x) | 30.5633% | 923 |
| Efficiency ratio | 82.7596% | 1,872 |
| Assets per employee ($millions) | 2.7936% | 6,498 |
| Cash dividends to net income (ytd only)* | 42.8704% | 1,907 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3044% | 4,989 |
| Loan loss allowance to noncurrent loans | 4,151.4286% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 6,647 |
| Noncurrent loans to loans | 0.0314% | 6,860 |
| Net loans and leases to total assets | 53.9091% | 5,173 |
| Net loans and leases to deposits | 63.3361% | 5,255 |
| Net loans and leases to core deposits | 65.8000% | 5,435 |
| Total domestic deposits to total assets | 85.1159% | 3,717 |
| Equity capital to assets | 10.3709% | 3,865 |
| Core capital (leverage) ratio | 9.7249% | 3,811 |
| Tier 1 risk-based capital ratio | 16.2547% | 2,989 |
| Total risk-based capital ratio | 17.4746% | 2,966 |
| Memoranda: |
| Average total assets | $197,866,000 | 3,099 |
| Average earning assets | $178,466,750 | 3,136 |
| Average equity | $20,256,000 | 3,109 |
| Average total loans | $109,642,000 | 3,421 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9478% | 3,404 |
| Cost of funding earning assets | 0.7532% | 5,650 |
| Net interest margin | 4.1946% | 2,059 |
| Noninterest income to average assets | 0.9794% | 1,377 |
| Noninterest expense to average assets | 3.8848% | 1,221 |
| Loan and lease loss provision to assets | 0.0174% | 6,067 |
| Net operating income to assets | 0.7524% | 3,277 |
| Return on assets (ROA) | 0.7884% | 3,250 |
| Pretax return on assets | 0.8946% | 3,633 |
| Return on Equity (ROE) | 7.7362% | 3,081 |
| Retained earnings to average equity (ytd only) | 5.3913% | 2,742 |
| Net charge-offs to loans | 0.0550% | 5,101 |
| Credit loss provision to net charge-offs | 56.6667% | 4,425 |
| Earnings coverage of net charge-offs (x) | 28.4333% | 962 |
| Efficiency ratio | 81.6835% | 2,146 |
| Assets per employee ($millions) | 2.8941% | 6,316 |
| Cash dividends to net income (ytd only)* | 30.3109% | 2,468 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3230% | 4,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 5,614 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 55.8891% | 5,012 |
| Net loans and leases to deposits | 65.9498% | 5,007 |
| Net loans and leases to core deposits | 67.7999% | 5,309 |
| Total domestic deposits to total assets | 84.7449% | 3,995 |
| Equity capital to assets | 10.5187% | 3,483 |
| Core capital (leverage) ratio | 9.6205% | 3,782 |
| Tier 1 risk-based capital ratio | 16.0959% | 2,931 |
| Total risk-based capital ratio | 17.3263% | 2,911 |
| Memoranda: |
| Average total assets | $195,842,670 | 3,138 |
| Average earning assets | $176,322,330 | 3,181 |
| Average equity | $19,958,000 | 3,132 |
| Average total loans | $109,058,330 | 3,479 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7969% | 4,072 |
| Cost of funding earning assets | 0.7818% | 5,661 |
| Net interest margin | 4.0151% | 2,624 |
| Noninterest income to average assets | 0.8922% | 1,683 |
| Noninterest expense to average assets | 3.6969% | 1,539 |
| Loan and lease loss provision to assets | 0.0244% | 5,657 |
| Net operating income to assets | 0.7134% | 3,461 |
| Return on assets (ROA) | 0.7134% | 3,527 |
| Pretax return on assets | 0.7825% | 3,965 |
| Return on Equity (ROE) | 7.1128% | 3,323 |
| Retained earnings to average equity (ytd only) | 4.8837% | 3,262 |
| Net charge-offs to loans | 0.0773% | 4,169 |
| Credit loss provision to net charge-offs | 57.1429% | 3,598 |
| Earnings coverage of net charge-offs (x) | 18.9048% | 1,164 |
| Efficiency ratio | 82.0848% | 2,215 |
| Assets per employee ($millions) | 2.8467% | 6,452 |
| Cash dividends to net income (ytd only)* | 31.3390% | 1,960 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3324% | 4,981 |
| Loan loss allowance to noncurrent loans | 129.7418% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 3,910 |
| Noncurrent loans to loans | 1.0270% | 5,002 |
| Net loans and leases to total assets | 54.1442% | 5,283 |
| Net loans and leases to deposits | 64.0071% | 5,251 |
| Net loans and leases to core deposits | 65.7507% | 5,537 |
| Total domestic deposits to total assets | 84.5909% | 4,230 |
| Equity capital to assets | 9.9902% | 3,786 |
| Core capital (leverage) ratio | 9.3511% | 4,051 |
| Tier 1 risk-based capital ratio | 15.9234% | 2,938 |
| Total risk-based capital ratio | 17.1729% | 2,911 |
| Memoranda: |
| Average total assets | $196,813,000 | 3,158 |
| Average earning assets | $177,032,500 | 3,195 |
| Average equity | $19,739,000 | 3,157 |
| Average total loans | $108,676,000 | 3,520 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0155% | 4,480 |
| Cost of funding earning assets | 0.9836% | 5,765 |
| Net interest margin | 4.0319% | 2,881 |
| Noninterest income to average assets | 0.9226% | 1,766 |
| Noninterest expense to average assets | 3.5185% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8829% | 2,456 |
| Return on assets (ROA) | 0.8825% | 2,593 |
| Pretax return on assets | 1.0209% | 2,863 |
| Return on Equity (ROE) | 8.8741% | 2,352 |
| Retained earnings to average equity (ytd only) | 5.4538% | 2,146 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5020% | 2,788 |
| Assets per employee ($millions) | 2.9009% | 6,323 |
| Cash dividends to net income (ytd only)* | 38.5423% | 2,672 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3574% | 4,709 |
| Loan loss allowance to noncurrent loans | 121.9634% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 2.0102% | 3,334 |
| Noncurrent loans to loans | 1.1129% | 4,881 |
| Net loans and leases to total assets | 54.8148% | 5,524 |
| Net loans and leases to deposits | 65.5256% | 5,450 |
| Net loans and leases to core deposits | 67.2639% | 5,747 |
| Total domestic deposits to total assets | 83.6540% | 4,525 |
| Equity capital to assets | 10.0695% | 3,659 |
| Core capital (leverage) ratio | 9.6195% | 3,524 |
| Tier 1 risk-based capital ratio | 16.0577% | 2,723 |
| Total risk-based capital ratio | 17.3080% | 2,682 |
| Memoranda: |
| Average total assets | $194,344,800 | 3,172 |
| Average earning assets | $174,358,400 | 3,199 |
| Average equity | $19,326,000 | 3,238 |
| Average total loans | $109,959,800 | 3,548 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0594% | 4,544 |
| Cost of funding earning assets | 1.0320% | 5,786 |
| Net interest margin | 4.0273% | 2,966 |
| Noninterest income to average assets | 0.9070% | 1,774 |
| Noninterest expense to average assets | 3.5456% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7851% | 3,063 |
| Return on assets (ROA) | 0.7862% | 3,226 |
| Pretax return on assets | 0.9797% | 3,256 |
| Return on Equity (ROE) | 7.9314% | 2,940 |
| Retained earnings to average equity (ytd only) | 4.2218% | 3,516 |
| Net charge-offs to loans | 0.0048% | 6,601 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 356.7148% | 87 |
| Efficiency ratio | 78.3743% | 2,572 |
| Assets per employee ($millions) | 2.8329% | 6,527 |
| Cash dividends to net income (ytd only)* | 46.7715% | 1,770 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3440% | 4,738 |
| Loan loss allowance to noncurrent loans | 110.5820% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 2.0527% | 3,404 |
| Noncurrent loans to loans | 1.2153% | 4,816 |
| Net loans and leases to total assets | 56.5826% | 5,470 |
| Net loans and leases to deposits | 68.4852% | 5,351 |
| Net loans and leases to core deposits | 69.9277% | 5,757 |
| Total domestic deposits to total assets | 82.6203% | 4,743 |
| Equity capital to assets | 10.3892% | 3,656 |
| Core capital (leverage) ratio | 9.6540% | 3,680 |
| Tier 1 risk-based capital ratio | 16.1494% | 2,697 |
| Total risk-based capital ratio | 17.4002% | 2,643 |
| Memoranda: |
| Average total assets | $194,341,000 | 3,214 |
| Average earning assets | $174,535,750 | 3,242 |
| Average equity | $19,264,750 | 3,281 |
| Average total loans | $110,448,750 | 3,597 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9700% | 5,080 |
| Cost of funding earning assets | 1.0482% | 5,924 |
| Net interest margin | 3.9218% | 3,344 |
| Noninterest income to average assets | 0.8945% | 1,710 |
| Noninterest expense to average assets | 3.4270% | 2,200 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7975% | 2,989 |
| Return on assets (ROA) | 0.7975% | 3,130 |
| Pretax return on assets | 0.9864% | 3,168 |
| Return on Equity (ROE) | 8.1723% | 2,818 |
| Retained earnings to average equity (ytd only) | 5.0541% | 2,876 |
| Net charge-offs to loans | 0.0469% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 37.1538% | 777 |
| Efficiency ratio | 77.6492% | 2,783 |
| Assets per employee ($millions) | 2.8646% | 6,426 |
| Cash dividends to net income (ytd only)* | 38.1562% | 2,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3011% | 4,912 |
| Loan loss allowance to noncurrent loans | 56.2500% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.6489% | 2,728 |
| Noncurrent loans to loans | 2.3131% | 3,354 |
| Net loans and leases to total assets | 56.9148% | 5,571 |
| Net loans and leases to deposits | 68.1554% | 5,543 |
| Net loans and leases to core deposits | 69.5540% | 5,917 |
| Total domestic deposits to total assets | 83.5074% | 4,332 |
| Equity capital to assets | 10.0673% | 3,929 |
| Core capital (leverage) ratio | 9.3838% | 3,985 |
| Tier 1 risk-based capital ratio | 15.7177% | 2,799 |
| Total risk-based capital ratio | 16.9678% | 2,760 |
| Memoranda: |
| Average total assets | $195,854,000 | 3,220 |
| Average earning assets | $175,733,670 | 3,243 |
| Average equity | $19,113,330 | 3,289 |
| Average total loans | $110,979,000 | 3,609 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9207% | 5,353 |
| Cost of funding earning assets | 1.0762% | 6,013 |
| Net interest margin | 3.8445% | 3,601 |
| Noninterest income to average assets | 0.8594% | 1,774 |
| Noninterest expense to average assets | 3.4618% | 2,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7057% | 3,415 |
| Return on assets (ROA) | 0.7057% | 3,524 |
| Pretax return on assets | 0.8432% | 3,693 |
| Return on Equity (ROE) | 7.3439% | 3,183 |
| Retained earnings to average equity (ytd only) | 2.2305% | 4,792 |
| Net charge-offs to loans | 0.0936% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 16.0385% | 1,353 |
| Efficiency ratio | 80.4133% | 2,504 |
| Assets per employee ($millions) | 2.7806% | 6,693 |
| Cash dividends to net income (ytd only)* | 69.6275% | 1,041 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3078% | 4,893 |
| Loan loss allowance to noncurrent loans | 53.9528% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 2.6127% | 2,787 |
| Noncurrent loans to loans | 2.4239% | 3,250 |
| Net loans and leases to total assets | 55.0450% | 5,884 |
| Net loans and leases to deposits | 67.8193% | 5,615 |
| Net loans and leases to core deposits | 69.1987% | 5,981 |
| Total domestic deposits to total assets | 81.1642% | 5,397 |
| Equity capital to assets | 9.6433% | 4,315 |
| Core capital (leverage) ratio | 9.0111% | 4,549 |
| Tier 1 risk-based capital ratio | 15.3640% | 2,938 |
| Total risk-based capital ratio | 16.6138% | 2,887 |
| Memoranda: |
| Average total assets | $197,816,500 | 3,247 |
| Average earning assets | $177,293,500 | 3,292 |
| Average equity | $19,009,000 | 3,321 |
| Average total loans | $111,130,500 | 3,661 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1850% | 5,721 |
| Cost of funding earning assets | 1.3974% | 5,944 |
| Net interest margin | 3.7876% | 3,762 |
| Noninterest income to average assets | 0.8433% | 2,212 |
| Noninterest expense to average assets | 3.1285% | 3,618 |
| Loan and lease loss provision to assets | 0.5952% | 3,414 |
| Net operating income to assets | 0.5175% | 3,659 |
| Return on assets (ROA) | 0.6255% | 3,292 |
| Pretax return on assets | 0.6994% | 3,574 |
| Return on Equity (ROE) | 6.9005% | 2,828 |
| Retained earnings to average equity (ytd only) | 3.5420% | 2,697 |
| Net charge-offs to loans | 0.7031% | 3,079 |
| Credit loss provision to net charge-offs | 153.7295% | 2,980 |
| Earnings coverage of net charge-offs (x) | 3.0303% | 3,561 |
| Efficiency ratio | 72.7273% | 4,146 |
| Assets per employee ($millions) | 2.8726% | 6,510 |
| Cash dividends to net income (ytd only)* | 48.6698% | 2,538 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3072% | 4,709 |
| Loan loss allowance to noncurrent loans | 91.9699% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.8642% | 3,578 |
| Noncurrent loans to loans | 1.4213% | 4,550 |
| Net loans and leases to total assets | 55.8415% | 5,970 |
| Net loans and leases to deposits | 68.7965% | 5,748 |
| Net loans and leases to core deposits | 78.6013% | 6,211 |
| Total domestic deposits to total assets | 81.1691% | 5,281 |
| Equity capital to assets | 9.5757% | 4,307 |
| Core capital (leverage) ratio | 8.8549% | 4,674 |
| Tier 1 risk-based capital ratio | 15.1890% | 2,848 |
| Total risk-based capital ratio | 16.4392% | 2,807 |
| Memoranda: |
| Average total assets | $204,316,400 | 3,129 |
| Average earning assets | $186,557,200 | 3,132 |
| Average equity | $18,520,400 | 3,420 |
| Average total loans | $112,507,600 | 3,638 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2456% | 5,704 |
| Cost of funding earning assets | 1.4591% | 6,002 |
| Net interest margin | 3.7866% | 3,713 |
| Noninterest income to average assets | 0.8077% | 2,388 |
| Noninterest expense to average assets | 3.0897% | 3,684 |
| Loan and lease loss provision to assets | 0.4139% | 3,838 |
| Net operating income to assets | 0.6601% | 3,353 |
| Return on assets (ROA) | 0.7384% | 3,132 |
| Pretax return on assets | 0.8770% | 3,291 |
| Return on Equity (ROE) | 8.2582% | 2,533 |
| Retained earnings to average equity (ytd only) | 3.7524% | 3,188 |
| Net charge-offs to loans | 0.2309% | 4,613 |
| Credit loss provision to net charge-offs | 327.6923% | 1,257 |
| Earnings coverage of net charge-offs (x) | 9.4822% | 2,104 |
| Efficiency ratio | 72.0653% | 4,233 |
| Assets per employee ($millions) | 2.9845% | 6,202 |
| Cash dividends to net income (ytd only)* | 54.5613% | 1,829 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3015% | 4,488 |
| Loan loss allowance to noncurrent loans | 74.4361% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 4,479 |
| Noncurrent loans to loans | 1.7485% | 3,996 |
| Net loans and leases to total assets | 55.4879% | 6,201 |
| Net loans and leases to deposits | 72.2741% | 5,604 |
| Net loans and leases to core deposits | 83.9629% | 6,037 |
| Total domestic deposits to total assets | 76.7742% | 6,402 |
| Equity capital to assets | 9.2660% | 5,072 |
| Core capital (leverage) ratio | 8.4485% | 5,580 |
| Tier 1 risk-based capital ratio | 14.9843% | 3,046 |
| Total risk-based capital ratio | 16.2340% | 2,987 |
| Memoranda: |
| Average total assets | $205,842,750 | 3,129 |
| Average earning assets | $189,156,000 | 3,127 |
| Average equity | $18,405,500 | 3,463 |
| Average total loans | $112,597,000 | 3,663 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2186% | 6,009 |
| Cost of funding earning assets | 1.5123% | 6,089 |
| Net interest margin | 3.7063% | 3,926 |
| Noninterest income to average assets | 0.7543% | 2,677 |
| Noninterest expense to average assets | 3.0076% | 4,054 |
| Loan and lease loss provision to assets | 0.2582% | 4,513 |
| Net operating income to assets | 0.7727% | 2,960 |
| Return on assets (ROA) | 0.7727% | 3,064 |
| Pretax return on assets | 0.9013% | 3,332 |
| Return on Equity (ROE) | 8.7455% | 2,451 |
| Retained earnings to average equity (ytd only) | 4.1155% | 3,000 |
| Net charge-offs to loans | 0.2926% | 3,727 |
| Credit loss provision to net charge-offs | 162.8049% | 2,823 |
| Earnings coverage of net charge-offs (x) | 7.3110% | 2,461 |
| Efficiency ratio | 72.1745% | 4,374 |
| Assets per employee ($millions) | 3.1063% | 5,851 |
| Cash dividends to net income (ytd only)* | 52.9412% | 1,936 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0002% | 6,241 |
| Loan loss allowance to noncurrent loans | 89.0966% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9142% | 5,149 |
| Noncurrent loans to loans | 1.1226% | 4,975 |
| Net loans and leases to total assets | 53.6056% | 6,508 |
| Net loans and leases to deposits | 71.3934% | 5,823 |
| Net loans and leases to core deposits | 83.3272% | 6,135 |
| Total domestic deposits to total assets | 75.0847% | 6,749 |
| Equity capital to assets | 8.8359% | 5,545 |
| Core capital (leverage) ratio | 8.3464% | 5,721 |
| Tier 1 risk-based capital ratio | 14.4577% | 3,275 |
| Total risk-based capital ratio | 15.4088% | 3,363 |
| Memoranda: |
| Average total assets | $206,808,000 | 3,143 |
| Average earning assets | $190,434,330 | 3,133 |
| Average equity | $18,272,330 | 3,508 |
| Average total loans | $112,097,330 | 3,716 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2088% | 6,260 |
| Cost of funding earning assets | 1.5919% | 6,066 |
| Net interest margin | 3.6168% | 4,250 |
| Noninterest income to average assets | 0.6960% | 2,911 |
| Noninterest expense to average assets | 2.8583% | 4,310 |
| Loan and lease loss provision to assets | 0.1095% | 5,568 |
| Net operating income to assets | 0.9580% | 2,486 |
| Return on assets (ROA) | 0.9580% | 2,615 |
| Pretax return on assets | 1.0596% | 3,146 |
| Return on Equity (ROE) | 10.8428% | 2,016 |
| Retained earnings to average equity (ytd only) | 4.2707% | 3,533 |
| Net charge-offs to loans | 0.6056% | 1,966 |
| Credit loss provision to net charge-offs | 33.3333% | 4,911 |
| Earnings coverage of net charge-offs (x) | 3.5595% | 3,139 |
| Efficiency ratio | 70.9709% | 4,378 |
| Assets per employee ($millions) | 3.0224% | 6,096 |
| Cash dividends to net income (ytd only)* | 60.6122% | 1,477 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8367% | 7,023 |
| Loan loss allowance to noncurrent loans | 23,225.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 6,581 |
| Noncurrent loans to loans | 0.0036% | 7,574 |
| Net loans and leases to total assets | 52.7979% | 6,606 |
| Net loans and leases to deposits | 66.4079% | 6,341 |
| Net loans and leases to core deposits | 76.8783% | 6,618 |
| Total domestic deposits to total assets | 79.5054% | 5,539 |
| Equity capital to assets | 8.8272% | 5,576 |
| Core capital (leverage) ratio | 8.2996% | 5,906 |
| Tier 1 risk-based capital ratio | 14.5984% | 3,257 |
| Total risk-based capital ratio | 15.3866% | 3,437 |
| Memoranda: |
| Average total assets | $204,598,000 | 3,189 |
| Average earning assets | $188,452,000 | 3,180 |
| Average equity | $18,076,500 | 3,557 |
| Average total loans | $110,959,000 | 3,768 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7100% | 6,745 |
| Cost of funding earning assets | 2.1322% | 5,918 |
| Net interest margin | 3.5778% | 4,981 |
| Noninterest income to average assets | 0.7335% | 2,884 |
| Noninterest expense to average assets | 2.8529% | 4,592 |
| Loan and lease loss provision to assets | 0.0403% | 6,911 |
| Net operating income to assets | 0.9760% | 2,659 |
| Return on assets (ROA) | 0.9805% | 2,516 |
| Pretax return on assets | 1.1614% | 2,801 |
| Return on Equity (ROE) | 10.7399% | 1,983 |
| Retained earnings to average equity (ytd only) | 7.6520% | 946 |
| Net charge-offs to loans | 0.4025% | 2,799 |
| Credit loss provision to net charge-offs | 18.8917% | 6,589 |
| Earnings coverage of net charge-offs (x) | 5.6121% | 3,584 |
| Efficiency ratio | 69.9642% | 4,359 |
| Assets per employee ($millions) | 3.1351% | 5,665 |
| Cash dividends to net income (ytd only)* | 28.7514% | 4,159 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9389% | 6,452 |
| Loan loss allowance to noncurrent loans | 166.2939% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 5,989 |
| Noncurrent loans to loans | 0.5646% | 5,673 |
| Net loans and leases to total assets | 54.7421% | 6,576 |
| Net loans and leases to deposits | 69.0572% | 6,372 |
| Net loans and leases to core deposits | 82.8486% | 6,389 |
| Total domestic deposits to total assets | 79.2707% | 5,276 |
| Equity capital to assets | 8.8433% | 5,578 |
| Core capital (leverage) ratio | 7.8218% | 6,770 |
| Tier 1 risk-based capital ratio | 14.6831% | 3,211 |
| Total risk-based capital ratio | 15.5814% | 3,301 |
| Memoranda: |
| Average total assets | $186,233,400 | 3,322 |
| Average earning assets | $172,592,200 | 3,290 |
| Average equity | $17,002,000 | 3,741 |
| Average total loans | $98,644,600 | 3,985 |
