Home > Cambridge Trust Company > Performance and Condition Ratios
Cambridge Trust Company, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 3,808 |
| Cost of funding earning assets | 2.3535% | 1,337 |
| Net interest margin | 2.1276% | 4,223 |
| Noninterest income to average assets | 0.8000% | 865 |
| Noninterest expense to average assets | 2.0406% | 3,468 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 0.4862% | 3,464 |
| Return on assets (ROA) | 0.4862% | 3,502 |
| Pretax return on assets | 0.6399% | 3,360 |
| Return on Equity (ROE) | 5.0800% | 3,502 |
| Retained earnings to average equity (ytd only) | 0.9905% | 3,606 |
| Net charge-offs to loans | 0.3339% | 342 |
| Credit loss provision to net charge-offs | 53.0373% | 1,800 |
| Earnings coverage of net charge-offs (x) | 3.0358% | 2,359 |
| Efficiency ratio | 72.4378% | 1,810 |
| Assets per employee ($millions) | 13.8325% | 263 |
| Cash dividends to net income (ytd only)* | 80.5054% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 3,681 |
| Loan loss allowance to noncurrent loans | 423.1215% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 2,604 |
| Noncurrent loans to loans | 0.2135% | 2,633 |
| Net loans and leases to total assets | 73.7800% | 1,438 |
| Net loans and leases to deposits | 97.1894% | 707 |
| Net loans and leases to core deposits | 102.1796% | 1,359 |
| Total domestic deposits to total assets | 75.9100% | 3,908 |
| Equity capital to assets | 9.6761% | 2,284 |
| Core capital (leverage) ratio | 8.7111% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0060% | 1,885 |
| Memoranda: | ||
| Average total assets | $5,372,088,333 | 265 |
| Average earning assets | $5,034,486,667 | 258 |
| Average equity | $514,108,000 | 278 |
| Average total loans | $3,993,720,667 | 248 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 3,758 |
| Cost of funding earning assets | 2.3065% | 1,324 |
| Net interest margin | 2.1423% | 4,227 |
| Noninterest income to average assets | 0.7800% | 861 |
| Noninterest expense to average assets | 2.0931% | 3,332 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.5120% | 3,367 |
| Return on assets (ROA) | 0.5120% | 3,387 |
| Pretax return on assets | 0.6879% | 3,185 |
| Return on Equity (ROE) | 5.3800% | 3,373 |
| Retained earnings to average equity (ytd only) | 1.2853% | 3,421 |
| Net charge-offs to loans | 0.0002% | 2,233 |
| Credit loss provision to net charge-offs | 20,250.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 4,702.0000% | 8 |
| Efficiency ratio | 74.4214% | 1,702 |
| Assets per employee ($millions) | 13.6729% | 284 |
| Cash dividends to net income (ytd only)* | 76.1077% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,367 |
| Loan loss allowance to noncurrent loans | 228.7483% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 1,830 |
| Noncurrent loans to loans | 0.4306% | 1,846 |
| Net loans and leases to total assets | 73.6100% | 1,391 |
| Net loans and leases to deposits | 94.0292% | 864 |
| Net loans and leases to core deposits | 102.4947% | 1,267 |
| Total domestic deposits to total assets | 78.2800% | 3,755 |
| Equity capital to assets | 9.5661% | 2,278 |
| Core capital (leverage) ratio | 8.6353% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8599% | 1,929 |
| Memoranda: | ||
| Average total assets | $5,395,380,000 | 269 |
| Average earning assets | $5,060,642,000 | 260 |
| Average equity | $513,512,500 | 281 |
| Average total loans | $4,008,146,500 | 249 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 3,544 |
| Cost of funding earning assets | 1.8951% | 1,075 |
| Net interest margin | 2.3480% | 4,225 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.0962% | 3,412 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6235% | 3,378 |
| Return on assets (ROA) | 0.6235% | 3,361 |
| Pretax return on assets | 0.8484% | 3,098 |
| Return on Equity (ROE) | 6.7700% | 3,336 |
| Retained earnings to average equity (ytd only) | 2.6173% | 3,405 |
| Net charge-offs to loans | 0.0017% | 2,757 |
| Credit loss provision to net charge-offs | 1,771.4286% | 255 |
| Earnings coverage of net charge-offs (x) | 678.1714% | 209 |
| Efficiency ratio | 70.2435% | 1,846 |
| Assets per employee ($millions) | 13.3103% | 304 |
| Cash dividends to net income (ytd only)* | 61.3178% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,464 |
| Loan loss allowance to noncurrent loans | 235.0697% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 1,731 |
| Noncurrent loans to loans | 0.4120% | 1,752 |
| Net loans and leases to total assets | 73.5200% | 1,418 |
| Net loans and leases to deposits | 91.7145% | 1,121 |
| Net loans and leases to core deposits | 102.5663% | 1,302 |
| Total domestic deposits to total assets | 80.1600% | 3,434 |
| Equity capital to assets | 9.4695% | 2,366 |
| Core capital (leverage) ratio | 8.5015% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5501% | 2,046 |
| Memoranda: | ||
| Average total assets | $5,489,164,400 | 262 |
| Average earning assets | $5,156,792,800 | 249 |
| Average equity | $505,819,200 | 259 |
| Average total loans | $4,031,257,800 | 235 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 3,525 |
| Cost of funding earning assets | 1.7760% | 1,052 |
| Net interest margin | 2.3929% | 4,236 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.1355% | 3,247 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.6333% | 3,461 |
| Return on assets (ROA) | 0.6333% | 3,453 |
| Pretax return on assets | 0.8572% | 3,200 |
| Return on Equity (ROE) | 6.9200% | 3,450 |
| Retained earnings to average equity (ytd only) | 2.7588% | 3,567 |
| Net charge-offs to loans | 0.0026% | 2,447 |
| Credit loss provision to net charge-offs | 625.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 446.7750% | 333 |
| Efficiency ratio | 70.6234% | 1,718 |
| Assets per employee ($millions) | 13.0422% | 298 |
| Cash dividends to net income (ytd only)* | 60.1323% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 3,567 |
| Loan loss allowance to noncurrent loans | 491.0517% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 2,618 |
| Noncurrent loans to loans | 0.1931% | 2,586 |
| Net loans and leases to total assets | 73.2000% | 1,446 |
| Net loans and leases to deposits | 86.9902% | 1,469 |
| Net loans and leases to core deposits | 100.8541% | 1,268 |
| Total domestic deposits to total assets | 84.1400% | 2,734 |
| Equity capital to assets | 9.2526% | 2,256 |
| Core capital (leverage) ratio | 8.4300% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5978% | 2,041 |
| Memoranda: | ||
| Average total assets | $5,507,131,250 | 261 |
| Average earning assets | $5,174,776,250 | 249 |
| Average equity | $504,026,000 | 262 |
| Average total loans | $4,033,686,250 | 237 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 3,523 |
| Cost of funding earning assets | 1.6120% | 1,032 |
| Net interest margin | 2.4703% | 4,237 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.1211% | 3,292 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.7088% | 3,329 |
| Return on assets (ROA) | 0.7088% | 3,329 |
| Pretax return on assets | 0.9415% | 3,068 |
| Return on Equity (ROE) | 7.7700% | 3,294 |
| Retained earnings to average equity (ytd only) | 3.6162% | 3,313 |
| Net charge-offs to loans | 0.0003% | 2,447 |
| Credit loss provision to net charge-offs | 5,083.3333% | 109 |
| Earnings coverage of net charge-offs (x) | 4,358.5000% | 23 |
| Efficiency ratio | 68.6186% | 1,904 |
| Assets per employee ($millions) | 12.9463% | 303 |
| Cash dividends to net income (ytd only)* | 53.4750% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 3,641 |
| Loan loss allowance to noncurrent loans | 528.8651% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 2,630 |
| Noncurrent loans to loans | 0.1788% | 2,584 |
| Net loans and leases to total assets | 72.6400% | 1,457 |
| Net loans and leases to deposits | 89.3206% | 1,237 |
| Net loans and leases to core deposits | 99.6234% | 1,258 |
| Total domestic deposits to total assets | 81.3200% | 3,372 |
| Equity capital to assets | 9.2063% | 2,371 |
| Core capital (leverage) ratio | 8.3418% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5072% | 2,091 |
| Memoranda: | ||
| Average total assets | $5,525,621,667 | 255 |
| Average earning assets | $5,195,506,333 | 247 |
| Average equity | $503,895,000 | 257 |
| Average total loans | $4,035,388,000 | 231 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9696% | 3,506 |
| Cost of funding earning assets | 1.3402% | 1,153 |
| Net interest margin | 2.6294% | 4,174 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.0420% | 3,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8972% | 2,866 |
| Return on assets (ROA) | 0.8972% | 2,824 |
| Pretax return on assets | 1.1979% | 2,424 |
| Return on Equity (ROE) | 9.8900% | 2,817 |
| Retained earnings to average equity (ytd only) | 5.7325% | 2,836 |
| Net charge-offs to loans | -0.0006% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.4469% | 2,640 |
| Assets per employee ($millions) | 12.8863% | 313 |
| Cash dividends to net income (ytd only)* | 42.0105% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 3,730 |
| Loan loss allowance to noncurrent loans | 523.3407% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 2,597 |
| Noncurrent loans to loans | 0.1807% | 2,574 |
| Net loans and leases to total assets | 72.0000% | 1,429 |
| Net loans and leases to deposits | 85.0899% | 1,421 |
| Net loans and leases to core deposits | 97.8208% | 1,188 |
| Total domestic deposits to total assets | 84.6100% | 2,951 |
| Equity capital to assets | 9.1326% | 2,421 |
| Core capital (leverage) ratio | 8.2171% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2907% | 2,273 |
| Memoranda: | ||
| Average total assets | $5,543,806,500 | 262 |
| Average earning assets | $5,221,175,000 | 253 |
| Average equity | $503,163,000 | 261 |
| Average total loans | $4,040,469,000 | 240 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3089% | 3,569 |
| Cost of funding earning assets | 0.3466% | 2,504 |
| Net interest margin | 2.9624% | 3,539 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.1472% | 3,165 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0327% | 2,445 |
| Return on assets (ROA) | 1.0327% | 2,384 |
| Pretax return on assets | 1.4046% | 1,757 |
| Return on Equity (ROE) | 12.0200% | 2,127 |
| Retained earnings to average equity (ytd only) | 7.8452% | 1,904 |
| Net charge-offs to loans | -0.0015% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.9290% | 3,197 |
| Assets per employee ($millions) | 12.6350% | 329 |
| Cash dividends to net income (ytd only)* | 34.7323% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 3,672 |
| Loan loss allowance to noncurrent loans | 577.4075% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 2,702 |
| Noncurrent loans to loans | 0.1610% | 2,684 |
| Net loans and leases to total assets | 72.4000% | 1,371 |
| Net loans and leases to deposits | 83.3157% | 1,518 |
| Net loans and leases to core deposits | 92.2597% | 1,372 |
| Total domestic deposits to total assets | 86.9000% | 2,421 |
| Equity capital to assets | 9.0200% | 2,343 |
| Core capital (leverage) ratio | 8.2136% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0881% | 2,334 |
| Memoranda: | ||
| Average total assets | $5,133,852,600 | 269 |
| Average earning assets | $4,841,415,200 | 261 |
| Average equity | $441,070,400 | 286 |
| Average total loans | $3,590,736,600 | 248 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 3,653 |
| Cost of funding earning assets | 0.2283% | 2,943 |
| Net interest margin | 2.8811% | 3,537 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.0794% | 3,272 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.1050% | 2,064 |
| Return on assets (ROA) | 1.1050% | 2,034 |
| Pretax return on assets | 1.5028% | 1,398 |
| Return on Equity (ROE) | 13.0400% | 1,688 |
| Retained earnings to average equity (ytd only) | 8.8394% | 1,708 |
| Net charge-offs to loans | -0.0014% | 3,219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.7620% | 3,410 |
| Assets per employee ($millions) | 12.7302% | 324 |
| Cash dividends to net income (ytd only)* | 32.2205% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 3,660 |
| Loan loss allowance to noncurrent loans | 544.3835% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 2,740 |
| Noncurrent loans to loans | 0.1759% | 2,706 |
| Net loans and leases to total assets | 69.8800% | 1,488 |
| Net loans and leases to deposits | 83.6335% | 1,330 |
| Net loans and leases to core deposits | 86.3809% | 1,508 |
| Total domestic deposits to total assets | 83.5500% | 3,597 |
| Equity capital to assets | 8.3649% | 2,631 |
| Core capital (leverage) ratio | 7.8670% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8995% | 2,515 |
| Memoranda: | ||
| Average total assets | $5,027,469,000 | 275 |
| Average earning assets | $4,742,840,500 | 266 |
| Average equity | $425,974,250 | 292 |
| Average total loans | $3,472,706,750 | 253 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9822% | 3,600 |
| Cost of funding earning assets | 0.1751% | 3,249 |
| Net interest margin | 2.8071% | 3,429 |
| Noninterest income to average assets | 0.8971% | 853 |
| Noninterest expense to average assets | 2.0889% | 3,185 |
| Loan and lease loss provision to assets | -0.0165% | 4,417 |
| Net operating income to assets | 1.0832% | 1,844 |
| Return on assets (ROA) | 1.0832% | 1,821 |
| Pretax return on assets | 1.4775% | 1,231 |
| Return on Equity (ROE) | 12.7284% | 1,457 |
| Retained earnings to average equity (ytd only) | 8.5165% | 1,430 |
| Net charge-offs to loans | -0.0016% | 3,088 |
| Credit loss provision to net charge-offs | 1,477.7778% | 308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6413% | 3,470 |
| Assets per employee ($millions) | 12.8040% | 305 |
| Cash dividends to net income (ytd only)* | 33.0903% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 3,735 |
| Loan loss allowance to noncurrent loans | 580.4389% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 2,893 |
| Noncurrent loans to loans | 0.1669% | 2,857 |
| Net loans and leases to total assets | 68.9926% | 1,398 |
| Net loans and leases to deposits | 81.5305% | 1,277 |
| Net loans and leases to core deposits | 82.2828% | 1,577 |
| Total domestic deposits to total assets | 84.6218% | 3,564 |
| Equity capital to assets | 8.4217% | 2,821 |
| Core capital (leverage) ratio | 7.7819% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8863% | 2,539 |
| Memoranda: | ||
| Average total assets | $4,988,956,000 | 271 |
| Average earning assets | $4,714,844,000 | 266 |
| Average equity | $424,563,333 | 290 |
| Average total loans | $3,420,739,667 | 253 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8980% | 3,542 |
| Cost of funding earning assets | 0.1732% | 3,182 |
| Net interest margin | 2.7248% | 3,355 |
| Noninterest income to average assets | 0.9123% | 821 |
| Noninterest expense to average assets | 2.0873% | 3,189 |
| Loan and lease loss provision to assets | -0.0333% | 4,487 |
| Net operating income to assets | 1.0762% | 1,602 |
| Return on assets (ROA) | 1.0762% | 1,595 |
| Pretax return on assets | 1.4355% | 1,162 |
| Return on Equity (ROE) | 12.5801% | 1,132 |
| Retained earnings to average equity (ytd only) | 8.3713% | 1,461 |
| Net charge-offs to loans | -0.0015% | 3,069 |
| Credit loss provision to net charge-offs | 3,069.2308% | 135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6072% | 3,524 |
| Assets per employee ($millions) | 12.7039% | 331 |
| Cash dividends to net income (ytd only)* | 33.4559% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,746 |
| Loan loss allowance to noncurrent loans | 573.9525% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 2,987 |
| Noncurrent loans to loans | 0.1739% | 2,950 |
| Net loans and leases to total assets | 67.4370% | 1,267 |
| Net loans and leases to deposits | 75.3842% | 1,497 |
| Net loans and leases to core deposits | 76.1141% | 1,777 |
| Total domestic deposits to total assets | 89.4577% | 1,837 |
| Equity capital to assets | 8.3805% | 3,260 |
| Core capital (leverage) ratio | 7.6837% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0215% | 2,602 |
| Memoranda: | ||
| Average total assets | $4,954,636,500 | 275 |
| Average earning assets | $4,686,253,000 | 269 |
| Average equity | $423,876,000 | 299 |
| Average total loans | $3,369,363,500 | 256 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2692% | 3,297 |
| Cost of funding earning assets | 0.1348% | 4,116 |
| Net interest margin | 3.1344% | 2,789 |
| Noninterest income to average assets | 0.9985% | 1,008 |
| Noninterest expense to average assets | 2.2929% | 2,818 |
| Loan and lease loss provision to assets | -0.0296% | 4,270 |
| Net operating income to assets | 1.2370% | 1,787 |
| Return on assets (ROA) | 1.2370% | 1,848 |
| Pretax return on assets | 1.6743% | 1,205 |
| Return on Equity (ROE) | 13.0881% | 1,433 |
| Retained earnings to average equity (ytd only) | 9.0856% | 1,170 |
| Net charge-offs to loans | -0.0047% | 3,544 |
| Credit loss provision to net charge-offs | 1,087.0130% | 503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0213% | 3,443 |
| Assets per employee ($millions) | 12.7376% | 336 |
| Cash dividends to net income (ytd only)* | 30.5814% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 3,604 |
| Loan loss allowance to noncurrent loans | 640.4753% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 3,159 |
| Noncurrent loans to loans | 0.1622% | 3,128 |
| Net loans and leases to total assets | 67.1836% | 1,351 |
| Net loans and leases to deposits | 75.6912% | 1,587 |
| Net loans and leases to core deposits | 76.7505% | 1,854 |
| Total domestic deposits to total assets | 88.7601% | 1,638 |
| Equity capital to assets | 8.7343% | 3,856 |
| Core capital (leverage) ratio | 8.0848% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2160% | 2,559 |
| Memoranda: | ||
| Average total assets | $4,375,866,000 | 288 |
| Average earning assets | $4,103,243,400 | 282 |
| Average equity | $413,588,400 | 309 |
| Average total loans | $3,249,571,000 | 255 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3654% | 3,202 |
| Cost of funding earning assets | 0.1273% | 4,284 |
| Net interest margin | 3.2380% | 2,614 |
| Noninterest income to average assets | 1.0228% | 1,032 |
| Noninterest expense to average assets | 2.3517% | 2,594 |
| Loan and lease loss provision to assets | -0.0320% | 4,400 |
| Net operating income to assets | 1.2821% | 1,879 |
| Return on assets (ROA) | 1.2821% | 1,936 |
| Pretax return on assets | 1.7326% | 1,325 |
| Return on Equity (ROE) | 13.2751% | 1,625 |
| Retained earnings to average equity (ytd only) | 9.2753% | 1,584 |
| Net charge-offs to loans | -0.0059% | 3,484 |
| Credit loss provision to net charge-offs | 652.8169% | 673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8240% | 3,292 |
| Assets per employee ($millions) | 11.6448% | 416 |
| Cash dividends to net income (ytd only)* | 30.1298% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,591 |
| Loan loss allowance to noncurrent loans | 602.1364% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 3,243 |
| Noncurrent loans to loans | 0.1773% | 3,245 |
| Net loans and leases to total assets | 72.8420% | 788 |
| Net loans and leases to deposits | 82.8817% | 1,036 |
| Net loans and leases to core deposits | 84.6677% | 1,375 |
| Total domestic deposits to total assets | 87.8868% | 1,909 |
| Equity capital to assets | 9.4111% | 3,460 |
| Core capital (leverage) ratio | 8.5056% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5471% | 2,530 |
| Memoranda: | ||
| Average total assets | $4,247,027,000 | 291 |
| Average earning assets | $3,973,380,500 | 286 |
| Average equity | $410,182,500 | 310 |
| Average total loans | $3,231,814,750 | 257 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4210% | 3,113 |
| Cost of funding earning assets | 0.1317% | 4,342 |
| Net interest margin | 3.2893% | 2,475 |
| Noninterest income to average assets | 1.0333% | 1,020 |
| Noninterest expense to average assets | 2.3716% | 2,552 |
| Loan and lease loss provision to assets | -0.0531% | 4,529 |
| Net operating income to assets | 1.3190% | 1,808 |
| Return on assets (ROA) | 1.3190% | 1,874 |
| Pretax return on assets | 1.7859% | 1,267 |
| Return on Equity (ROE) | 13.5324% | 1,557 |
| Retained earnings to average equity (ytd only) | 9.5661% | 1,535 |
| Net charge-offs to loans | -0.0041% | 3,373 |
| Credit loss provision to net charge-offs | 1,595.4545% | 340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5724% | 3,334 |
| Assets per employee ($millions) | 11.0051% | 457 |
| Cash dividends to net income (ytd only)* | 29.3099% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,556 |
| Loan loss allowance to noncurrent loans | 641.0871% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 3,390 |
| Noncurrent loans to loans | 0.1665% | 3,382 |
| Net loans and leases to total assets | 75.4600% | 642 |
| Net loans and leases to deposits | 86.1525% | 904 |
| Net loans and leases to core deposits | 88.3811% | 1,245 |
| Total domestic deposits to total assets | 87.5889% | 2,045 |
| Equity capital to assets | 9.6402% | 3,209 |
| Core capital (leverage) ratio | 8.6188% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7153% | 2,474 |
| Memoranda: | ||
| Average total assets | $4,168,287,333 | 294 |
| Average earning assets | $3,891,712,333 | 289 |
| Average equity | $406,269,333 | 307 |
| Average total loans | $3,208,780,333 | 258 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4400% | 3,083 |
| Cost of funding earning assets | 0.1480% | 4,320 |
| Net interest margin | 3.2920% | 2,416 |
| Noninterest income to average assets | 1.0522% | 1,053 |
| Noninterest expense to average assets | 2.3602% | 2,620 |
| Loan and lease loss provision to assets | -0.0201% | 4,605 |
| Net operating income to assets | 1.3180% | 1,768 |
| Return on assets (ROA) | 1.3180% | 1,854 |
| Pretax return on assets | 1.7813% | 1,327 |
| Return on Equity (ROE) | 13.4459% | 1,559 |
| Retained earnings to average equity (ytd only) | 9.6548% | 1,749 |
| Net charge-offs to loans | -0.0025% | 3,183 |
| Credit loss provision to net charge-offs | 1,950.0000% | 250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0550% | 3,422 |
| Assets per employee ($millions) | 10.9610% | 455 |
| Cash dividends to net income (ytd only)* | 28.1951% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 3,342 |
| Loan loss allowance to noncurrent loans | 484.1233% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 3,070 |
| Noncurrent loans to loans | 0.2313% | 3,276 |
| Net loans and leases to total assets | 74.0224% | 811 |
| Net loans and leases to deposits | 84.3318% | 1,114 |
| Net loans and leases to core deposits | 86.6826% | 1,476 |
| Total domestic deposits to total assets | 87.7751% | 1,968 |
| Equity capital to assets | 9.5106% | 3,196 |
| Core capital (leverage) ratio | 8.7835% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8856% | 2,329 |
| Memoranda: | ||
| Average total assets | $4,100,939,000 | 298 |
| Average earning assets | $3,823,375,500 | 290 |
| Average equity | $401,996,500 | 308 |
| Average total loans | $3,172,140,500 | 259 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 2,814 |
| Cost of funding earning assets | 0.2660% | 4,315 |
| Net interest margin | 3.7057% | 1,778 |
| Noninterest income to average assets | 1.1005% | 880 |
| Noninterest expense to average assets | 2.7797% | 1,999 |
| Loan and lease loss provision to assets | 0.5114% | 469 |
| Net operating income to assets | 0.9143% | 2,632 |
| Return on assets (ROA) | 0.9159% | 2,762 |
| Pretax return on assets | 1.2429% | 2,180 |
| Return on Equity (ROE) | 9.2157% | 2,304 |
| Retained earnings to average equity (ytd only) | 5.4899% | 2,046 |
| Net charge-offs to loans | 0.0154% | 2,801 |
| Credit loss provision to net charge-offs | 2,130.0683% | 422 |
| Earnings coverage of net charge-offs (x) | 141.0433% | 611 |
| Efficiency ratio | 61.1080% | 3,287 |
| Assets per employee ($millions) | 10.6156% | 442 |
| Cash dividends to net income (ytd only)* | 40.4295% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,257 |
| Loan loss allowance to noncurrent loans | 401.8746% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 2,934 |
| Noncurrent loans to loans | 0.2836% | 3,186 |
| Net loans and leases to total assets | 79.1223% | 491 |
| Net loans and leases to deposits | 91.7632% | 794 |
| Net loans and leases to core deposits | 95.0367% | 1,180 |
| Total domestic deposits to total assets | 86.2244% | 2,264 |
| Equity capital to assets | 10.1170% | 3,013 |
| Core capital (leverage) ratio | 8.8318% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8546% | 2,298 |
| Memoranda: | ||
| Average total assets | $3,533,289,000 | 308 |
| Average earning assets | $3,271,922,600 | 302 |
| Average equity | $351,138,200 | 327 |
| Average total loans | $2,854,934,200 | 272 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9384% | 3,146 |
| Cost of funding earning assets | 0.2984% | 4,319 |
| Net interest margin | 3.6400% | 2,123 |
| Noninterest income to average assets | 1.1050% | 850 |
| Noninterest expense to average assets | 2.7667% | 2,068 |
| Loan and lease loss provision to assets | 0.7056% | 297 |
| Net operating income to assets | 0.7438% | 3,304 |
| Return on assets (ROA) | 0.7459% | 3,402 |
| Pretax return on assets | 1.0038% | 3,060 |
| Return on Equity (ROE) | 7.5446% | 2,995 |
| Retained earnings to average equity (ytd only) | 3.8441% | 3,118 |
| Net charge-offs to loans | 0.0294% | 2,247 |
| Credit loss provision to net charge-offs | 1,538.1729% | 607 |
| Earnings coverage of net charge-offs (x) | 71.6101% | 980 |
| Efficiency ratio | 61.6124% | 3,134 |
| Assets per employee ($millions) | 10.4094% | 442 |
| Cash dividends to net income (ytd only)* | 49.0487% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,255 |
| Loan loss allowance to noncurrent loans | 390.9022% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 3,060 |
| Noncurrent loans to loans | 0.2792% | 3,292 |
| Net loans and leases to total assets | 81.6628% | 461 |
| Net loans and leases to deposits | 97.4735% | 660 |
| Net loans and leases to core deposits | 102.6482% | 1,000 |
| Total domestic deposits to total assets | 83.7794% | 2,899 |
| Equity capital to assets | 9.9001% | 3,331 |
| Core capital (leverage) ratio | 8.7072% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2205% | 2,525 |
| Memoranda: | ||
| Average total assets | $3,429,360,250 | 309 |
| Average earning assets | $3,173,394,250 | 304 |
| Average equity | $339,043,000 | 335 |
| Average total loans | $2,778,528,500 | 279 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 3,910 |
| Cost of funding earning assets | 0.3582% | 4,233 |
| Net interest margin | 3.4237% | 3,026 |
| Noninterest income to average assets | 1.0860% | 843 |
| Noninterest expense to average assets | 2.8280% | 2,029 |
| Loan and lease loss provision to assets | 0.9884% | 212 |
| Net operating income to assets | 0.3417% | 4,346 |
| Return on assets (ROA) | 0.3451% | 4,399 |
| Pretax return on assets | 0.4408% | 4,349 |
| Return on Equity (ROE) | 3.4921% | 4,249 |
| Retained earnings to average equity (ytd only) | -0.0892% | 4,318 |
| Net charge-offs to loans | 0.0307% | 2,111 |
| Credit loss provision to net charge-offs | 1,827.5000% | 522 |
| Earnings coverage of net charge-offs (x) | 57.7725% | 998 |
| Efficiency ratio | 66.2346% | 2,483 |
| Assets per employee ($millions) | 10.6980% | 415 |
| Cash dividends to net income (ytd only)* | 102.5554% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 3,472 |
| Loan loss allowance to noncurrent loans | 331.8115% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 3,094 |
| Noncurrent loans to loans | 0.3073% | 3,284 |
| Net loans and leases to total assets | 82.0761% | 407 |
| Net loans and leases to deposits | 100.5320% | 522 |
| Net loans and leases to core deposits | 106.8489% | 854 |
| Total domestic deposits to total assets | 81.6418% | 3,463 |
| Equity capital to assets | 9.5595% | 3,603 |
| Core capital (leverage) ratio | 10.0378% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6902% | 2,736 |
| Memoranda: | ||
| Average total assets | $3,243,541,667 | 314 |
| Average earning assets | $3,000,266,000 | 311 |
| Average equity | $320,491,000 | 349 |
| Average total loans | $2,607,483,000 | 290 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 3,901 |
| Cost of funding earning assets | 0.5600% | 3,642 |
| Net interest margin | 3.4004% | 3,297 |
| Noninterest income to average assets | 1.2308% | 580 |
| Noninterest expense to average assets | 2.7838% | 2,473 |
| Loan and lease loss provision to assets | 0.2863% | 1,084 |
| Net operating income to assets | 1.0154% | 2,130 |
| Return on assets (ROA) | 1.0154% | 2,233 |
| Pretax return on assets | 1.3051% | 1,859 |
| Return on Equity (ROE) | 10.0460% | 1,735 |
| Retained earnings to average equity (ytd only) | 6.0678% | 1,842 |
| Net charge-offs to loans | 0.0472% | 1,543 |
| Credit loss provision to net charge-offs | 770.9434% | 674 |
| Earnings coverage of net charge-offs (x) | 42.8491% | 997 |
| Efficiency ratio | 63.3385% | 3,321 |
| Assets per employee ($millions) | 9.1138% | 514 |
| Cash dividends to net income (ytd only)* | 39.5997% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 4,135 |
| Loan loss allowance to noncurrent loans | 596.7150% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 3,660 |
| Noncurrent loans to loans | 0.1496% | 3,923 |
| Net loans and leases to total assets | 78.4725% | 908 |
| Net loans and leases to deposits | 93.4263% | 1,134 |
| Net loans and leases to core deposits | 97.8437% | 1,643 |
| Total domestic deposits to total assets | 83.9940% | 2,792 |
| Equity capital to assets | 10.2390% | 3,567 |
| Core capital (leverage) ratio | 9.0069% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3411% | 2,554 |
| Memoranda: | ||
| Average total assets | $2,854,080,000 | 333 |
| Average earning assets | $2,639,247,000 | 328 |
| Average equity | $288,473,500 | 370 |
| Average total loans | $2,243,475,500 | 304 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 4,017 |
| Cost of funding earning assets | 0.7469% | 2,933 |
| Net interest margin | 3.3627% | 3,843 |
| Noninterest income to average assets | 1.4095% | 480 |
| Noninterest expense to average assets | 3.0778% | 1,818 |
| Loan and lease loss provision to assets | 0.1185% | 1,784 |
| Net operating income to assets | 1.0023% | 2,839 |
| Return on assets (ROA) | 0.9998% | 2,935 |
| Pretax return on assets | 1.3428% | 2,353 |
| Return on Equity (ROE) | 11.6892% | 1,625 |
| Retained earnings to average equity (ytd only) | 6.7412% | 1,508 |
| Net charge-offs to loans | 0.0827% | 1,930 |
| Credit loss provision to net charge-offs | 188.6935% | 1,398 |
| Earnings coverage of net charge-offs (x) | 23.3247% | 1,818 |
| Efficiency ratio | 67.5250% | 2,526 |
| Assets per employee ($millions) | 9.4243% | 426 |
| Cash dividends to net income (ytd only)* | 42.3303% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 4,255 |
| Loan loss allowance to noncurrent loans | 321.7699% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2036% | 3,651 |
| Noncurrent loans to loans | 0.2536% | 3,539 |
| Net loans and leases to total assets | 77.3964% | 1,179 |
| Net loans and leases to deposits | 93.6259% | 1,194 |
| Net loans and leases to core deposits | 96.1581% | 1,886 |
| Total domestic deposits to total assets | 82.6656% | 3,315 |
| Equity capital to assets | 9.9759% | 3,943 |
| Core capital (leverage) ratio | 8.9201% | 4,581 |
| Tier 1 risk-based capital ratio | 12.6197% | 3,998 |
| Total risk-based capital ratio | 13.5297% | 4,068 |
| Memoranda: | ||
| Average total assets | $2,535,728,400 | 353 |
| Average earning assets | $2,362,316,200 | 345 |
| Average equity | $216,891,600 | 446 |
| Average total loans | $1,924,419,600 | 333 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 4,208 |
| Cost of funding earning assets | 0.7472% | 2,981 |
| Net interest margin | 3.3287% | 4,046 |
| Noninterest income to average assets | 1.4361% | 443 |
| Noninterest expense to average assets | 3.0758% | 1,765 |
| Loan and lease loss provision to assets | 0.1451% | 1,319 |
| Net operating income to assets | 0.9923% | 3,009 |
| Return on assets (ROA) | 0.9889% | 3,097 |
| Pretax return on assets | 1.3155% | 2,613 |
| Return on Equity (ROE) | 12.1493% | 1,558 |
| Retained earnings to average equity (ytd only) | 5.0051% | 2,888 |
| Net charge-offs to loans | 0.1014% | 1,457 |
| Credit loss provision to net charge-offs | 190.1138% | 1,378 |
| Earnings coverage of net charge-offs (x) | 19.1906% | 2,013 |
| Efficiency ratio | 67.5228% | 2,497 |
| Assets per employee ($millions) | 8.8256% | 515 |
| Cash dividends to net income (ytd only)* | 58.8032% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8265% | 4,324 |
| Loan loss allowance to noncurrent loans | 517.9495% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 4,078 |
| Noncurrent loans to loans | 0.1596% | 3,970 |
| Net loans and leases to total assets | 76.1449% | 1,450 |
| Net loans and leases to deposits | 89.7137% | 1,732 |
| Net loans and leases to core deposits | 93.8306% | 2,194 |
| Total domestic deposits to total assets | 84.8755% | 2,467 |
| Equity capital to assets | 8.4153% | 5,026 |
| Core capital (leverage) ratio | 7.5325% | 5,188 |
| Tier 1 risk-based capital ratio | 10.4328% | 5,093 |
| Total risk-based capital ratio | 11.3464% | 5,108 |
| Memoranda: | ||
| Average total assets | $2,455,773,000 | 361 |
| Average earning assets | $2,290,409,500 | 353 |
| Average equity | $199,897,500 | 478 |
| Average total loans | $1,848,456,000 | 351 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 4,365 |
| Cost of funding earning assets | 0.6929% | 3,207 |
| Net interest margin | 3.3118% | 4,114 |
| Noninterest income to average assets | 1.3861% | 454 |
| Noninterest expense to average assets | 3.2508% | 1,397 |
| Loan and lease loss provision to assets | 0.0432% | 2,958 |
| Net operating income to assets | 0.9091% | 3,246 |
| Return on assets (ROA) | 0.9036% | 3,335 |
| Pretax return on assets | 1.1870% | 2,951 |
| Return on Equity (ROE) | 11.2562% | 1,887 |
| Retained earnings to average equity (ytd only) | 2.4699% | 3,951 |
| Net charge-offs to loans | 0.0198% | 2,470 |
| Credit loss provision to net charge-offs | 292.4419% | 921 |
| Earnings coverage of net charge-offs (x) | 83.6919% | 784 |
| Efficiency ratio | 72.2611% | 1,879 |
| Assets per employee ($millions) | 8.1104% | 647 |
| Cash dividends to net income (ytd only)* | 78.0578% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 4,385 |
| Loan loss allowance to noncurrent loans | 1,617.6916% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 4,544 |
| Noncurrent loans to loans | 0.0504% | 4,461 |
| Net loans and leases to total assets | 75.8703% | 1,568 |
| Net loans and leases to deposits | 89.1178% | 1,843 |
| Net loans and leases to core deposits | 95.2069% | 2,137 |
| Total domestic deposits to total assets | 85.1348% | 2,418 |
| Equity capital to assets | 8.4978% | 5,042 |
| Core capital (leverage) ratio | 7.7758% | 5,203 |
| Tier 1 risk-based capital ratio | 10.6606% | 5,049 |
| Total risk-based capital ratio | 11.5708% | 5,083 |
| Memoranda: | ||
| Average total assets | $2,327,079,000 | 369 |
| Average earning assets | $2,179,540,330 | 362 |
| Average equity | $186,812,670 | 500 |
| Average total loans | $1,737,286,670 | 371 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8263% | 4,667 |
| Cost of funding earning assets | 0.5710% | 3,724 |
| Net interest margin | 3.2553% | 4,264 |
| Noninterest income to average assets | 1.5127% | 380 |
| Noninterest expense to average assets | 3.0846% | 1,764 |
| Loan and lease loss provision to assets | -0.0175% | 5,222 |
| Net operating income to assets | 1.1858% | 2,109 |
| Return on assets (ROA) | 1.1728% | 2,216 |
| Pretax return on assets | 1.5025% | 1,761 |
| Return on Equity (ROE) | 15.1847% | 714 |
| Retained earnings to average equity (ytd only) | 1.2874% | 4,259 |
| Net charge-offs to loans | 0.0059% | 2,489 |
| Credit loss provision to net charge-offs | -404.3478% | 3,771 |
| Earnings coverage of net charge-offs (x) | 345.9565% | 231 |
| Efficiency ratio | 67.2619% | 2,746 |
| Assets per employee ($millions) | 8.4528% | 566 |
| Cash dividends to net income (ytd only)* | 91.5219% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 3,291 |
| Loan loss allowance to noncurrent loans | 2,660.0639% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,702 |
| Noncurrent loans to loans | 0.0403% | 4,585 |
| Net loans and leases to total assets | 71.9414% | 2,174 |
| Net loans and leases to deposits | 80.5592% | 2,774 |
| Net loans and leases to core deposits | 85.4272% | 2,915 |
| Total domestic deposits to total assets | 89.3026% | 726 |
| Equity capital to assets | 7.7096% | 5,234 |
| Core capital (leverage) ratio | 7.9506% | 5,217 |
| Tier 1 risk-based capital ratio | 11.5950% | 4,693 |
| Total risk-based capital ratio | 12.7356% | 4,647 |
| Memoranda: | ||
| Average total assets | $2,119,966,000 | 408 |
| Average earning assets | $2,001,387,500 | 393 |
| Average equity | $163,743,500 | 557 |
| Average total loans | $1,557,463,000 | 402 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 4,756 |
| Cost of funding earning assets | 0.2878% | 4,628 |
| Net interest margin | 3.3519% | 4,125 |
| Noninterest income to average assets | 1.6492% | 356 |
| Noninterest expense to average assets | 3.2021% | 1,549 |
| Loan and lease loss provision to assets | 0.0753% | 2,621 |
| Net operating income to assets | 1.2014% | 2,166 |
| Return on assets (ROA) | 1.2015% | 2,160 |
| Pretax return on assets | 1.5644% | 1,575 |
| Return on Equity (ROE) | 15.7448% | 680 |
| Retained earnings to average equity (ytd only) | 10.0848% | 606 |
| Net charge-offs to loans | 0.0038% | 3,594 |
| Credit loss provision to net charge-offs | 2,781.4815% | 177 |
| Earnings coverage of net charge-offs (x) | 605.6296% | 176 |
| Efficiency ratio | 66.1358% | 2,853 |
| Assets per employee ($millions) | 8.3388% | 593 |
| Cash dividends to net income (ytd only)* | 35.9483% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,244 |
| Loan loss allowance to noncurrent loans | 2,636.4780% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 4,707 |
| Noncurrent loans to loans | 0.0408% | 4,571 |
| Net loans and leases to total assets | 73.4280% | 2,023 |
| Net loans and leases to deposits | 84.9755% | 2,409 |
| Net loans and leases to core deposits | 87.8425% | 2,766 |
| Total domestic deposits to total assets | 86.4108% | 2,049 |
| Equity capital to assets | 7.7384% | 5,236 |
| Core capital (leverage) ratio | 8.2785% | 5,131 |
| Tier 1 risk-based capital ratio | 11.7690% | 4,582 |
| Total risk-based capital ratio | 12.9424% | 4,507 |
| Memoranda: | ||
| Average total assets | $1,994,645,200 | 415 |
| Average earning assets | $1,899,777,200 | 407 |
| Average equity | $152,209,200 | 561 |
| Average total loans | $1,429,196,000 | 416 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6085% | 4,790 |
| Cost of funding earning assets | 0.2483% | 4,794 |
| Net interest margin | 3.3602% | 4,137 |
| Noninterest income to average assets | 1.6848% | 353 |
| Noninterest expense to average assets | 3.1941% | 1,536 |
| Loan and lease loss provision to assets | 0.0533% | 2,910 |
| Net operating income to assets | 1.2584% | 2,006 |
| Return on assets (ROA) | 1.2585% | 2,013 |
| Pretax return on assets | 1.6394% | 1,447 |
| Return on Equity (ROE) | 16.5540% | 606 |
| Retained earnings to average equity (ytd only) | 10.7193% | 717 |
| Net charge-offs to loans | 0.0001% | 3,488 |
| Credit loss provision to net charge-offs | 78,700.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 25,043.9850% | 3 |
| Efficiency ratio | 65.3639% | 2,977 |
| Assets per employee ($millions) | 8.1181% | 625 |
| Cash dividends to net income (ytd only)* | 35.2463% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,139 |
| Loan loss allowance to noncurrent loans | 2,025.9119% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 4,781 |
| Noncurrent loans to loans | 0.0548% | 4,648 |
| Net loans and leases to total assets | 72.1828% | 2,303 |
| Net loans and leases to deposits | 82.7109% | 2,742 |
| Net loans and leases to core deposits | 85.4518% | 3,049 |
| Total domestic deposits to total assets | 87.2712% | 1,615 |
| Equity capital to assets | 7.8574% | 5,220 |
| Core capital (leverage) ratio | 8.2874% | 5,212 |
| Tier 1 risk-based capital ratio | 12.4116% | 4,247 |
| Total risk-based capital ratio | 13.6278% | 4,162 |
| Memoranda: | ||
| Average total assets | $1,967,960,500 | 420 |
| Average earning assets | $1,875,209,250 | 407 |
| Average equity | $149,608,000 | 567 |
| Average total loans | $1,396,552,000 | 422 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5432% | 4,859 |
| Cost of funding earning assets | 0.2204% | 4,918 |
| Net interest margin | 3.3228% | 4,186 |
| Noninterest income to average assets | 1.6267% | 378 |
| Noninterest expense to average assets | 3.1888% | 1,559 |
| Loan and lease loss provision to assets | 0.0337% | 3,244 |
| Net operating income to assets | 1.2152% | 2,129 |
| Return on assets (ROA) | 1.2153% | 2,123 |
| Pretax return on assets | 1.5740% | 1,586 |
| Return on Equity (ROE) | 16.1700% | 638 |
| Retained earnings to average equity (ytd only) | 10.0988% | 903 |
| Net charge-offs to loans | 0.0007% | 3,193 |
| Credit loss provision to net charge-offs | 6,600.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 3,152.2000% | 17 |
| Efficiency ratio | 66.4852% | 2,896 |
| Assets per employee ($millions) | 8.2478% | 574 |
| Cash dividends to net income (ytd only)* | 37.5462% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 3,171 |
| Loan loss allowance to noncurrent loans | 1,367.5699% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 4,734 |
| Noncurrent loans to loans | 0.0816% | 4,542 |
| Net loans and leases to total assets | 70.3185% | 2,532 |
| Net loans and leases to deposits | 77.3171% | 3,222 |
| Net loans and leases to core deposits | 80.8772% | 3,334 |
| Total domestic deposits to total assets | 90.9482% | 257 |
| Equity capital to assets | 7.6701% | 5,327 |
| Core capital (leverage) ratio | 8.1226% | 5,302 |
| Tier 1 risk-based capital ratio | 12.5105% | 4,178 |
| Total risk-based capital ratio | 13.7406% | 4,088 |
| Memoranda: | ||
| Average total assets | $1,960,966,000 | 419 |
| Average earning assets | $1,870,508,000 | 410 |
| Average equity | $147,384,000 | 573 |
| Average total loans | $1,378,142,330 | 425 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 4,936 |
| Cost of funding earning assets | 0.2098% | 4,953 |
| Net interest margin | 3.2496% | 4,316 |
| Noninterest income to average assets | 1.6703% | 357 |
| Noninterest expense to average assets | 3.1700% | 1,637 |
| Loan and lease loss provision to assets | 0.0836% | 2,128 |
| Net operating income to assets | 1.1872% | 2,065 |
| Return on assets (ROA) | 1.1872% | 2,076 |
| Pretax return on assets | 1.5177% | 1,635 |
| Return on Equity (ROE) | 15.9611% | 629 |
| Retained earnings to average equity (ytd only) | 9.1890% | 1,399 |
| Net charge-offs to loans | -0.0009% | 3,751 |
| Credit loss provision to net charge-offs | -13,633.3333% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4381% | 3,090 |
| Assets per employee ($millions) | 8.2082% | 581 |
| Cash dividends to net income (ytd only)* | 42.4289% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 3,157 |
| Loan loss allowance to noncurrent loans | 1,032.2835% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 4,699 |
| Noncurrent loans to loans | 0.1103% | 4,476 |
| Net loans and leases to total assets | 69.6328% | 2,538 |
| Net loans and leases to deposits | 76.4623% | 3,163 |
| Net loans and leases to core deposits | 80.3781% | 3,293 |
| Total domestic deposits to total assets | 91.0682% | 296 |
| Equity capital to assets | 7.4798% | 5,420 |
| Core capital (leverage) ratio | 7.9347% | 5,404 |
| Tier 1 risk-based capital ratio | 12.2998% | 4,379 |
| Total risk-based capital ratio | 13.5499% | 4,271 |
| Memoranda: | ||
| Average total assets | $1,955,842,000 | 425 |
| Average earning assets | $1,866,469,000 | 414 |
| Average equity | $145,478,500 | 584 |
| Average total loans | $1,366,326,500 | 429 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4368% | 4,887 |
| Cost of funding earning assets | 0.2009% | 4,946 |
| Net interest margin | 3.2360% | 4,343 |
| Noninterest income to average assets | 1.5976% | 407 |
| Noninterest expense to average assets | 3.1531% | 1,713 |
| Loan and lease loss provision to assets | 0.0193% | 3,917 |
| Net operating income to assets | 0.7880% | 3,215 |
| Return on assets (ROA) | 0.7879% | 3,257 |
| Pretax return on assets | 1.4983% | 1,648 |
| Return on Equity (ROE) | 10.6961% | 1,589 |
| Retained earnings to average equity (ytd only) | 4.8831% | 2,202 |
| Net charge-offs to loans | 0.0227% | 3,352 |
| Credit loss provision to net charge-offs | 119.4719% | 2,190 |
| Earnings coverage of net charge-offs (x) | 94.1881% | 673 |
| Efficiency ratio | 67.5069% | 2,996 |
| Assets per employee ($millions) | 8.1930% | 598 |
| Cash dividends to net income (ytd only)* | 54.3467% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,153 |
| Loan loss allowance to noncurrent loans | 1,207.2498% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 4,799 |
| Noncurrent loans to loans | 0.0939% | 4,570 |
| Net loans and leases to total assets | 68.4935% | 2,751 |
| Net loans and leases to deposits | 75.0690% | 3,423 |
| Net loans and leases to core deposits | 79.4146% | 3,463 |
| Total domestic deposits to total assets | 91.2408% | 186 |
| Equity capital to assets | 7.3963% | 5,558 |
| Core capital (leverage) ratio | 7.8681% | 5,482 |
| Tier 1 risk-based capital ratio | 12.1909% | 4,400 |
| Total risk-based capital ratio | 13.4409% | 4,298 |
| Memoranda: | ||
| Average total assets | $1,880,406,400 | 430 |
| Average earning assets | $1,785,853,200 | 417 |
| Average equity | $138,517,800 | 589 |
| Average total loans | $1,334,899,000 | 421 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4405% | 4,905 |
| Cost of funding earning assets | 0.1975% | 4,999 |
| Net interest margin | 3.2430% | 4,347 |
| Noninterest income to average assets | 1.6104% | 426 |
| Noninterest expense to average assets | 3.1690% | 1,637 |
| Loan and lease loss provision to assets | 0.0258% | 3,620 |
| Net operating income to assets | 0.9915% | 2,590 |
| Return on assets (ROA) | 0.9913% | 2,645 |
| Pretax return on assets | 1.4914% | 1,801 |
| Return on Equity (ROE) | 13.4719% | 940 |
| Retained earnings to average equity (ytd only) | 7.5062% | 1,430 |
| Net charge-offs to loans | 0.0001% | 3,795 |
| Credit loss provision to net charge-offs | 36,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 21,254.6090% | 1 |
| Efficiency ratio | 67.6216% | 2,943 |
| Assets per employee ($millions) | 7.8001% | 684 |
| Cash dividends to net income (ytd only)* | 44.2824% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 3,190 |
| Loan loss allowance to noncurrent loans | 938.7019% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 4,789 |
| Noncurrent loans to loans | 0.1227% | 4,569 |
| Net loans and leases to total assets | 71.9250% | 2,262 |
| Net loans and leases to deposits | 79.7813% | 2,992 |
| Net loans and leases to core deposits | 84.5142% | 3,088 |
| Total domestic deposits to total assets | 90.1527% | 423 |
| Equity capital to assets | 7.6340% | 5,604 |
| Core capital (leverage) ratio | 7.9201% | 5,537 |
| Tier 1 risk-based capital ratio | 12.1432% | 4,524 |
| Total risk-based capital ratio | 13.3934% | 4,423 |
| Memoranda: | ||
| Average total assets | $1,863,024,500 | 437 |
| Average earning assets | $1,767,028,250 | 421 |
| Average equity | $137,091,750 | 598 |
| Average total loans | $1,330,899,000 | 426 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3826% | 4,989 |
| Cost of funding earning assets | 0.1794% | 5,142 |
| Net interest margin | 3.2032% | 4,411 |
| Noninterest income to average assets | 1.5684% | 444 |
| Noninterest expense to average assets | 3.1867% | 1,609 |
| Loan and lease loss provision to assets | 0.0054% | 3,806 |
| Net operating income to assets | 0.9496% | 2,662 |
| Return on assets (ROA) | 0.9494% | 2,720 |
| Pretax return on assets | 1.4104% | 1,982 |
| Return on Equity (ROE) | 13.0653% | 1,021 |
| Retained earnings to average equity (ytd only) | 6.8371% | 1,674 |
| Net charge-offs to loans | 0.0012% | 3,483 |
| Credit loss provision to net charge-offs | 625.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 1,648.5000% | 33 |
| Efficiency ratio | 69.2344% | 2,810 |
| Assets per employee ($millions) | 7.7993% | 666 |
| Cash dividends to net income (ytd only)* | 47.6702% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 3,306 |
| Loan loss allowance to noncurrent loans | 733.9568% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 4,760 |
| Noncurrent loans to loans | 0.1569% | 4,489 |
| Net loans and leases to total assets | 69.3109% | 2,620 |
| Net loans and leases to deposits | 81.1003% | 2,795 |
| Net loans and leases to core deposits | 86.6965% | 2,818 |
| Total domestic deposits to total assets | 85.4633% | 2,627 |
| Equity capital to assets | 7.3111% | 5,681 |
| Core capital (leverage) ratio | 7.8689% | 5,573 |
| Tier 1 risk-based capital ratio | 12.2338% | 4,476 |
| Total risk-based capital ratio | 13.4841% | 4,357 |
| Memoranda: | ||
| Average total assets | $1,862,622,330 | 439 |
| Average earning assets | $1,764,430,670 | 422 |
| Average equity | $135,350,670 | 607 |
| Average total loans | $1,322,376,000 | 430 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3706% | 4,993 |
| Cost of funding earning assets | 0.1629% | 5,285 |
| Net interest margin | 3.2077% | 4,317 |
| Noninterest income to average assets | 1.5759% | 452 |
| Noninterest expense to average assets | 3.2380% | 1,510 |
| Loan and lease loss provision to assets | 0.0065% | 3,479 |
| Net operating income to assets | 0.9379% | 2,570 |
| Return on assets (ROA) | 0.9376% | 2,629 |
| Pretax return on assets | 1.3675% | 1,994 |
| Return on Equity (ROE) | 12.9440% | 1,008 |
| Retained earnings to average equity (ytd only) | 7.3573% | 1,712 |
| Net charge-offs to loans | 0.0006% | 2,934 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 3,172.0000% | 7 |
| Efficiency ratio | 70.2020% | 2,851 |
| Assets per employee ($millions) | 7.8121% | 667 |
| Cash dividends to net income (ytd only)* | 43.1608% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 3,331 |
| Loan loss allowance to noncurrent loans | 924.9244% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 4,914 |
| Noncurrent loans to loans | 0.1260% | 4,682 |
| Net loans and leases to total assets | 70.3106% | 2,321 |
| Net loans and leases to deposits | 77.1149% | 3,063 |
| Net loans and leases to core deposits | 82.1337% | 3,080 |
| Total domestic deposits to total assets | 91.1764% | 248 |
| Equity capital to assets | 7.3242% | 5,715 |
| Core capital (leverage) ratio | 7.8088% | 5,627 |
| Tier 1 risk-based capital ratio | 12.2076% | 4,574 |
| Total risk-based capital ratio | 13.4582% | 4,476 |
| Memoranda: | ||
| Average total assets | $1,846,324,000 | 443 |
| Average earning assets | $1,747,809,000 | 430 |
| Average equity | $133,745,000 | 609 |
| Average total loans | $1,319,115,500 | 434 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3805% | 5,022 |
| Cost of funding earning assets | 0.1989% | 5,020 |
| Net interest margin | 3.1816% | 4,497 |
| Noninterest income to average assets | 1.5853% | 486 |
| Noninterest expense to average assets | 3.1877% | 1,821 |
| Loan and lease loss provision to assets | 0.0074% | 4,212 |
| Net operating income to assets | 0.9328% | 2,663 |
| Return on assets (ROA) | 0.9491% | 2,700 |
| Pretax return on assets | 1.4297% | 1,819 |
| Return on Equity (ROE) | 13.2709% | 928 |
| Retained earnings to average equity (ytd only) | 11.8170% | 232 |
| Net charge-offs to loans | 0.0049% | 4,078 |
| Credit loss provision to net charge-offs | 212.9032% | 1,337 |
| Earnings coverage of net charge-offs (x) | 405.5806% | 201 |
| Efficiency ratio | 69.2948% | 3,021 |
| Assets per employee ($millions) | 7.7689% | 662 |
| Cash dividends to net income (ytd only)* | 10.9553% | 4,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 3,428 |
| Loan loss allowance to noncurrent loans | 911.6487% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 4,972 |
| Noncurrent loans to loans | 0.1262% | 4,734 |
| Net loans and leases to total assets | 70.9249% | 2,345 |
| Net loans and leases to deposits | 77.6780% | 3,140 |
| Net loans and leases to core deposits | 82.6881% | 3,156 |
| Total domestic deposits to total assets | 91.3063% | 209 |
| Equity capital to assets | 7.1638% | 5,780 |
| Core capital (leverage) ratio | 7.8242% | 5,676 |
| Tier 1 risk-based capital ratio | 11.7094% | 4,918 |
| Total risk-based capital ratio | 12.9595% | 4,822 |
| Memoranda: | ||
| Average total assets | $1,780,240,800 | 438 |
| Average earning assets | $1,686,949,200 | 421 |
| Average equity | $127,316,600 | 633 |
| Average total loans | $1,265,472,800 | 422 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3760% | 5,067 |
| Cost of funding earning assets | 0.2066% | 5,001 |
| Net interest margin | 3.1695% | 4,579 |
| Noninterest income to average assets | 1.5840% | 492 |
| Noninterest expense to average assets | 3.1880% | 1,809 |
| Loan and lease loss provision to assets | 0.0256% | 3,733 |
| Net operating income to assets | 0.9211% | 2,806 |
| Return on assets (ROA) | 0.9433% | 2,819 |
| Pretax return on assets | 1.4114% | 2,001 |
| Return on Equity (ROE) | 13.1953% | 999 |
| Retained earnings to average equity (ytd only) | 11.2361% | 399 |
| Net charge-offs to loans | -0.0009% | 4,433 |
| Credit loss provision to net charge-offs | -4,225.0000% | 5,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4264% | 2,981 |
| Assets per employee ($millions) | 7.6316% | 690 |
| Cash dividends to net income (ytd only)* | 14.8481% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 3,366 |
| Loan loss allowance to noncurrent loans | 982.1113% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 5,090 |
| Noncurrent loans to loans | 0.1203% | 4,859 |
| Net loans and leases to total assets | 72.1661% | 2,164 |
| Net loans and leases to deposits | 79.8289% | 2,989 |
| Net loans and leases to core deposits | 85.6397% | 2,978 |
| Total domestic deposits to total assets | 90.4010% | 346 |
| Equity capital to assets | 7.3467% | 5,857 |
| Core capital (leverage) ratio | 7.6592% | 5,797 |
| Tier 1 risk-based capital ratio | 10.9050% | 5,424 |
| Total risk-based capital ratio | 12.1402% | 5,342 |
| Memoranda: | ||
| Average total assets | $1,763,051,250 | 441 |
| Average earning assets | $1,673,136,500 | 427 |
| Average equity | $126,031,250 | 636 |
| Average total loans | $1,250,175,750 | 426 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3794% | 5,127 |
| Cost of funding earning assets | 0.2165% | 4,976 |
| Net interest margin | 3.1629% | 4,662 |
| Noninterest income to average assets | 1.5236% | 519 |
| Noninterest expense to average assets | 3.1985% | 1,817 |
| Loan and lease loss provision to assets | 0.0257% | 3,620 |
| Net operating income to assets | 0.8691% | 3,010 |
| Return on assets (ROA) | 0.9024% | 2,983 |
| Pretax return on assets | 1.3487% | 2,211 |
| Return on Equity (ROE) | 12.7454% | 1,093 |
| Retained earnings to average equity (ytd only) | 9.7567% | 648 |
| Net charge-offs to loans | 0.0008% | 3,675 |
| Credit loss provision to net charge-offs | 4,500.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 2,318.8000% | 19 |
| Efficiency ratio | 70.7126% | 2,875 |
| Assets per employee ($millions) | 7.5159% | 694 |
| Cash dividends to net income (ytd only)* | 23.4490% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 3,301 |
| Loan loss allowance to noncurrent loans | 1,044.8136% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 5,195 |
| Noncurrent loans to loans | 0.1159% | 4,984 |
| Net loans and leases to total assets | 70.8915% | 2,341 |
| Net loans and leases to deposits | 78.2722% | 3,129 |
| Net loans and leases to core deposits | 83.5636% | 3,120 |
| Total domestic deposits to total assets | 90.5705% | 297 |
| Equity capital to assets | 7.2609% | 5,940 |
| Core capital (leverage) ratio | 7.5511% | 5,873 |
| Tier 1 risk-based capital ratio | 10.9437% | 5,445 |
| Total risk-based capital ratio | 12.1939% | 5,375 |
| Memoranda: | ||
| Average total assets | $1,750,383,000 | 449 |
| Average earning assets | $1,660,058,670 | 426 |
| Average equity | $123,935,330 | 643 |
| Average total loans | $1,228,471,330 | 434 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4113% | 5,105 |
| Cost of funding earning assets | 0.2244% | 4,954 |
| Net interest margin | 3.1869% | 4,622 |
| Noninterest income to average assets | 1.4549% | 537 |
| Noninterest expense to average assets | 3.2187% | 1,795 |
| Loan and lease loss provision to assets | 0.0173% | 3,464 |
| Net operating income to assets | 0.8383% | 3,039 |
| Return on assets (ROA) | 0.8922% | 2,923 |
| Pretax return on assets | 1.3201% | 2,224 |
| Return on Equity (ROE) | 12.7662% | 1,089 |
| Retained earnings to average equity (ytd only) | 6.6695% | 2,047 |
| Net charge-offs to loans | 0.0023% | 3,044 |
| Credit loss provision to net charge-offs | 1,071.4286% | 353 |
| Earnings coverage of net charge-offs (x) | 781.2857% | 63 |
| Efficiency ratio | 71.8962% | 2,813 |
| Assets per employee ($millions) | 7.5692% | 678 |
| Cash dividends to net income (ytd only)* | 47.7566% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 3,180 |
| Loan loss allowance to noncurrent loans | 1,044.4216% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 5,254 |
| Noncurrent loans to loans | 0.1197% | 4,996 |
| Net loans and leases to total assets | 68.0383% | 2,642 |
| Net loans and leases to deposits | 74.1810% | 3,418 |
| Net loans and leases to core deposits | 79.1154% | 3,401 |
| Total domestic deposits to total assets | 91.7193% | 134 |
| Equity capital to assets | 6.9852% | 6,007 |
| Core capital (leverage) ratio | 7.4533% | 5,932 |
| Tier 1 risk-based capital ratio | 11.2296% | 5,381 |
| Total risk-based capital ratio | 12.4805% | 5,286 |
| Memoranda: | ||
| Average total assets | $1,738,697,500 | 448 |
| Average earning assets | $1,648,761,500 | 427 |
| Average equity | $121,508,000 | 660 |
| Average total loans | $1,206,281,000 | 438 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4826% | 4,964 |
| Cost of funding earning assets | 0.1727% | 5,516 |
| Net interest margin | 3.3100% | 4,255 |
| Noninterest income to average assets | 1.5271% | 538 |
| Noninterest expense to average assets | 3.2267% | 1,897 |
| Loan and lease loss provision to assets | 0.0652% | 2,981 |
| Net operating income to assets | 0.9236% | 2,736 |
| Return on assets (ROA) | 0.9520% | 2,685 |
| Pretax return on assets | 1.4101% | 1,857 |
| Return on Equity (ROE) | 13.4737% | 955 |
| Retained earnings to average equity (ytd only) | 7.3112% | 1,163 |
| Net charge-offs to loans | 0.0134% | 4,028 |
| Credit loss provision to net charge-offs | 702.6144% | 472 |
| Earnings coverage of net charge-offs (x) | 154.4444% | 412 |
| Efficiency ratio | 69.2402% | 3,355 |
| Assets per employee ($millions) | 7.4833% | 710 |
| Cash dividends to net income (ytd only)* | 45.7372% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 3,041 |
| Loan loss allowance to noncurrent loans | 1,022.9630% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 5,278 |
| Noncurrent loans to loans | 0.1246% | 4,996 |
| Net loans and leases to total assets | 68.9850% | 2,547 |
| Net loans and leases to deposits | 75.3057% | 3,341 |
| Net loans and leases to core deposits | 80.6582% | 3,281 |
| Total domestic deposits to total assets | 91.6066% | 158 |
| Equity capital to assets | 6.9918% | 6,060 |
| Core capital (leverage) ratio | 7.5086% | 5,979 |
| Tier 1 risk-based capital ratio | 11.2902% | 5,383 |
| Total risk-based capital ratio | 12.5414% | 5,275 |
| Memoranda: | ||
| Average total assets | $1,648,471,600 | 441 |
| Average earning assets | $1,560,337,400 | 423 |
| Average equity | $116,478,400 | 660 |
| Average total loans | $1,144,803,200 | 432 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4717% | 5,043 |
| Cost of funding earning assets | 0.1581% | 5,726 |
| Net interest margin | 3.3136% | 4,284 |
| Noninterest income to average assets | 1.5243% | 536 |
| Noninterest expense to average assets | 3.1995% | 1,968 |
| Loan and lease loss provision to assets | 0.0877% | 2,400 |
| Net operating income to assets | 0.9270% | 2,821 |
| Return on assets (ROA) | 0.9647% | 2,733 |
| Pretax return on assets | 1.4307% | 1,903 |
| Return on Equity (ROE) | 13.6158% | 978 |
| Retained earnings to average equity (ytd only) | 7.4235% | 1,489 |
| Net charge-offs to loans | 0.0094% | 3,837 |
| Credit loss provision to net charge-offs | 1,343.7500% | 277 |
| Earnings coverage of net charge-offs (x) | 223.9959% | 323 |
| Efficiency ratio | 68.6352% | 3,429 |
| Assets per employee ($millions) | 7.3674% | 727 |
| Cash dividends to net income (ytd only)* | 45.4791% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 3,200 |
| Loan loss allowance to noncurrent loans | 1,239.9675% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 5,467 |
| Noncurrent loans to loans | 0.1033% | 5,223 |
| Net loans and leases to total assets | 69.7211% | 2,430 |
| Net loans and leases to deposits | 79.2119% | 2,966 |
| Net loans and leases to core deposits | 85.2331% | 2,931 |
| Total domestic deposits to total assets | 88.0185% | 1,542 |
| Equity capital to assets | 7.0982% | 6,138 |
| Core capital (leverage) ratio | 7.4437% | 6,068 |
| Tier 1 risk-based capital ratio | 11.3419% | 5,467 |
| Total risk-based capital ratio | 12.5935% | 5,376 |
| Memoranda: | ||
| Average total assets | $1,634,039,000 | 447 |
| Average earning assets | $1,547,116,750 | 429 |
| Average equity | $115,774,250 | 664 |
| Average total loans | $1,132,950,500 | 439 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4481% | 5,113 |
| Cost of funding earning assets | 0.1448% | 5,890 |
| Net interest margin | 3.3033% | 4,288 |
| Noninterest income to average assets | 1.5102% | 563 |
| Noninterest expense to average assets | 3.2290% | 1,901 |
| Loan and lease loss provision to assets | 0.1175% | 1,887 |
| Net operating income to assets | 0.8686% | 3,050 |
| Return on assets (ROA) | 0.9242% | 2,887 |
| Pretax return on assets | 1.3716% | 2,103 |
| Return on Equity (ROE) | 13.0523% | 1,102 |
| Retained earnings to average equity (ytd only) | 6.7997% | 1,790 |
| Net charge-offs to loans | 0.0113% | 3,513 |
| Credit loss provision to net charge-offs | 1,507.9365% | 233 |
| Earnings coverage of net charge-offs (x) | 180.3810% | 372 |
| Efficiency ratio | 69.6636% | 3,395 |
| Assets per employee ($millions) | 7.2401% | 752 |
| Cash dividends to net income (ytd only)* | 47.9047% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 3,209 |
| Loan loss allowance to noncurrent loans | 532.3498% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 5,191 |
| Noncurrent loans to loans | 0.2455% | 4,780 |
| Net loans and leases to total assets | 68.7376% | 2,527 |
| Net loans and leases to deposits | 81.9820% | 2,555 |
| Net loans and leases to core deposits | 85.1102% | 2,870 |
| Total domestic deposits to total assets | 83.8447% | 3,637 |
| Equity capital to assets | 6.9636% | 6,200 |
| Core capital (leverage) ratio | 7.4951% | 6,099 |
| Tier 1 risk-based capital ratio | 11.4669% | 5,485 |
| Total risk-based capital ratio | 12.7189% | 5,406 |
| Memoranda: | ||
| Average total assets | $1,616,337,670 | 448 |
| Average earning assets | $1,529,073,000 | 431 |
| Average equity | $114,447,000 | 679 |
| Average total loans | $1,113,414,330 | 444 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4644% | 5,053 |
| Cost of funding earning assets | 0.1437% | 5,976 |
| Net interest margin | 3.3207% | 4,130 |
| Noninterest income to average assets | 1.4858% | 549 |
| Noninterest expense to average assets | 3.2683% | 1,798 |
| Loan and lease loss provision to assets | 0.0817% | 2,337 |
| Net operating income to assets | 0.8619% | 2,946 |
| Return on assets (ROA) | 0.9380% | 2,703 |
| Pretax return on assets | 1.3905% | 1,924 |
| Return on Equity (ROE) | 13.1338% | 1,054 |
| Retained earnings to average equity (ytd only) | 6.8642% | 2,071 |
| Net charge-offs to loans | 0.0117% | 2,956 |
| Credit loss provision to net charge-offs | 1,015.6250% | 328 |
| Earnings coverage of net charge-offs (x) | 168.9688% | 324 |
| Efficiency ratio | 70.6365% | 3,375 |
| Assets per employee ($millions) | 7.1879% | 785 |
| Cash dividends to net income (ytd only)* | 47.7364% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 3,280 |
| Loan loss allowance to noncurrent loans | 1,067.5953% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 5,604 |
| Noncurrent loans to loans | 0.1241% | 5,328 |
| Net loans and leases to total assets | 67.3773% | 2,550 |
| Net loans and leases to deposits | 78.0756% | 2,791 |
| Net loans and leases to core deposits | 80.8306% | 3,073 |
| Total domestic deposits to total assets | 86.2975% | 2,770 |
| Equity capital to assets | 7.1496% | 6,247 |
| Core capital (leverage) ratio | 7.5682% | 6,122 |
| Tier 1 risk-based capital ratio | 11.7861% | 5,381 |
| Total risk-based capital ratio | 13.0382% | 5,275 |
| Memoranda: | ||
| Average total assets | $1,591,895,000 | 455 |
| Average earning assets | $1,505,822,500 | 438 |
| Average equity | $113,691,000 | 677 |
| Average total loans | $1,090,226,500 | 447 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 5,373 |
| Cost of funding earning assets | 0.1449% | 6,126 |
| Net interest margin | 3.3328% | 4,467 |
| Noninterest income to average assets | 1.5236% | 530 |
| Noninterest expense to average assets | 3.1920% | 2,235 |
| Loan and lease loss provision to assets | 0.1010% | 2,472 |
| Net operating income to assets | 0.9266% | 2,743 |
| Return on assets (ROA) | 0.9734% | 2,591 |
| Pretax return on assets | 1.4447% | 1,740 |
| Return on Equity (ROE) | 13.4052% | 1,064 |
| Retained earnings to average equity (ytd only) | 7.4830% | 1,201 |
| Net charge-offs to loans | -0.0011% | 5,346 |
| Credit loss provision to net charge-offs | -14,090.9091% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3835% | 3,828 |
| Assets per employee ($millions) | 6.9942% | 844 |
| Cash dividends to net income (ytd only)* | 44.1783% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 3,317 |
| Loan loss allowance to noncurrent loans | 879.7164% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 5,622 |
| Noncurrent loans to loans | 0.1500% | 5,295 |
| Net loans and leases to total assets | 67.7884% | 2,589 |
| Net loans and leases to deposits | 77.6107% | 3,016 |
| Net loans and leases to core deposits | 80.0529% | 3,294 |
| Total domestic deposits to total assets | 87.3442% | 2,103 |
| Equity capital to assets | 7.1339% | 6,309 |
| Core capital (leverage) ratio | 7.5816% | 6,179 |
| Tier 1 risk-based capital ratio | 11.5392% | 5,637 |
| Total risk-based capital ratio | 12.7908% | 5,551 |
| Memoranda: | ||
| Average total assets | $1,535,240,800 | 452 |
| Average earning assets | $1,448,341,000 | 434 |
| Average equity | $111,479,200 | 655 |
| Average total loans | $998,595,200 | 459 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4546% | 5,485 |
| Cost of funding earning assets | 0.1449% | 6,213 |
| Net interest margin | 3.3097% | 4,565 |
| Noninterest income to average assets | 1.5377% | 530 |
| Noninterest expense to average assets | 3.2306% | 2,087 |
| Loan and lease loss provision to assets | 0.0830% | 2,689 |
| Net operating income to assets | 0.9053% | 2,891 |
| Return on assets (ROA) | 0.9681% | 2,670 |
| Pretax return on assets | 1.4383% | 1,852 |
| Return on Equity (ROE) | 13.2728% | 1,144 |
| Retained earnings to average equity (ytd only) | 7.3457% | 1,650 |
| Net charge-offs to loans | -0.0057% | 5,321 |
| Credit loss provision to net charge-offs | -2,261.9048% | 5,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3533% | 3,618 |
| Assets per employee ($millions) | 6.9285% | 829 |
| Cash dividends to net income (ytd only)* | 44.6561% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 3,518 |
| Loan loss allowance to noncurrent loans | 827.2947% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 5,739 |
| Noncurrent loans to loans | 0.1602% | 5,429 |
| Net loans and leases to total assets | 65.4204% | 2,964 |
| Net loans and leases to deposits | 77.6953% | 2,982 |
| Net loans and leases to core deposits | 80.0005% | 3,314 |
| Total domestic deposits to total assets | 84.2013% | 3,686 |
| Equity capital to assets | 7.3614% | 6,329 |
| Core capital (leverage) ratio | 7.5670% | 6,252 |
| Tier 1 risk-based capital ratio | 11.7217% | 5,664 |
| Total risk-based capital ratio | 12.9732% | 5,580 |
| Memoranda: | ||
| Average total assets | $1,525,627,750 | 454 |
| Average earning assets | $1,438,384,250 | 435 |
| Average equity | $111,282,500 | 657 |
| Average total loans | $977,981,250 | 460 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4542% | 5,505 |
| Cost of funding earning assets | 0.1446% | 6,297 |
| Net interest margin | 3.3096% | 4,550 |
| Noninterest income to average assets | 1.4880% | 551 |
| Noninterest expense to average assets | 3.2563% | 2,028 |
| Loan and lease loss provision to assets | 0.0693% | 2,882 |
| Net operating income to assets | 0.8656% | 2,977 |
| Return on assets (ROA) | 0.9445% | 2,677 |
| Pretax return on assets | 1.3978% | 1,894 |
| Return on Equity (ROE) | 12.9890% | 1,181 |
| Retained earnings to average equity (ytd only) | 7.0103% | 1,768 |
| Net charge-offs to loans | -0.0019% | 5,055 |
| Credit loss provision to net charge-offs | -5,833.3333% | 5,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6744% | 3,541 |
| Assets per employee ($millions) | 6.7271% | 911 |
| Cash dividends to net income (ytd only)* | 46.0291% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 3,640 |
| Loan loss allowance to noncurrent loans | 929.9157% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 5,875 |
| Noncurrent loans to loans | 0.1442% | 5,574 |
| Net loans and leases to total assets | 63.8226% | 3,096 |
| Net loans and leases to deposits | 74.1697% | 3,296 |
| Net loans and leases to core deposits | 76.3211% | 3,598 |
| Total domestic deposits to total assets | 86.0494% | 3,016 |
| Equity capital to assets | 7.4358% | 6,363 |
| Core capital (leverage) ratio | 7.6288% | 6,266 |
| Tier 1 risk-based capital ratio | 11.9647% | 5,563 |
| Total risk-based capital ratio | 13.1593% | 5,515 |
| Memoranda: | ||
| Average total assets | $1,514,529,330 | 455 |
| Average earning assets | $1,427,534,000 | 439 |
| Average equity | $110,124,000 | 660 |
| Average total loans | $959,457,000 | 460 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4696% | 5,504 |
| Cost of funding earning assets | 0.1451% | 6,380 |
| Net interest margin | 3.3244% | 4,444 |
| Noninterest income to average assets | 1.4647% | 546 |
| Noninterest expense to average assets | 3.2530% | 2,062 |
| Loan and lease loss provision to assets | 0.0995% | 2,267 |
| Net operating income to assets | 0.8384% | 2,959 |
| Return on assets (ROA) | 0.9311% | 2,573 |
| Pretax return on assets | 1.3854% | 1,802 |
| Return on Equity (ROE) | 12.9544% | 1,173 |
| Retained earnings to average equity (ytd only) | 6.9070% | 2,085 |
| Net charge-offs to loans | -0.0013% | 4,676 |
| Credit loss provision to net charge-offs | -12,500.0000% | 5,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7259% | 3,698 |
| Assets per employee ($millions) | 6.5903% | 973 |
| Cash dividends to net income (ytd only)* | 46.6819% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 3,695 |
| Loan loss allowance to noncurrent loans | 746.4917% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 5,896 |
| Noncurrent loans to loans | 0.1850% | 5,539 |
| Net loans and leases to total assets | 63.0273% | 3,069 |
| Net loans and leases to deposits | 71.4578% | 3,412 |
| Net loans and leases to core deposits | 73.6619% | 3,683 |
| Total domestic deposits to total assets | 88.2021% | 2,110 |
| Equity capital to assets | 7.3955% | 6,347 |
| Core capital (leverage) ratio | 7.5530% | 6,317 |
| Tier 1 risk-based capital ratio | 12.2432% | 5,476 |
| Total risk-based capital ratio | 13.4392% | 5,446 |
| Memoranda: | ||
| Average total assets | $1,508,262,500 | 456 |
| Average earning assets | $1,422,201,500 | 447 |
| Average equity | $108,411,000 | 671 |
| Average total loans | $945,258,500 | 464 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 5,657 |
| Cost of funding earning assets | 0.1609% | 6,491 |
| Net interest margin | 3.3339% | 4,536 |
| Noninterest income to average assets | 1.5336% | 604 |
| Noninterest expense to average assets | 3.2057% | 2,398 |
| Loan and lease loss provision to assets | 0.1043% | 3,056 |
| Net operating income to assets | 0.9308% | 2,645 |
| Return on assets (ROA) | 0.9830% | 2,472 |
| Pretax return on assets | 1.4625% | 1,574 |
| Return on Equity (ROE) | 13.6835% | 1,022 |
| Retained earnings to average equity (ytd only) | 7.7185% | 1,145 |
| Net charge-offs to loans | -0.0310% | 6,235 |
| Credit loss provision to net charge-offs | -576.9231% | 6,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2853% | 4,147 |
| Assets per employee ($millions) | 6.8165% | 838 |
| Cash dividends to net income (ytd only)* | 43.5926% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 3,904 |
| Loan loss allowance to noncurrent loans | 736.6957% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 5,993 |
| Noncurrent loans to loans | 0.1830% | 5,654 |
| Net loans and leases to total assets | 60.6468% | 3,602 |
| Net loans and leases to deposits | 65.9130% | 4,307 |
| Net loans and leases to core deposits | 67.7661% | 4,543 |
| Total domestic deposits to total assets | 92.0103% | 282 |
| Equity capital to assets | 6.9870% | 6,458 |
| Core capital (leverage) ratio | 7.5029% | 6,368 |
| Tier 1 risk-based capital ratio | 11.9550% | 5,641 |
| Total risk-based capital ratio | 13.1543% | 5,610 |
| Memoranda: | ||
| Average total assets | $1,438,401,600 | 469 |
| Average earning assets | $1,363,766,800 | 450 |
| Average equity | $103,335,800 | 689 |
| Average total loans | $838,006,200 | 494 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 5,696 |
| Cost of funding earning assets | 0.1649% | 6,579 |
| Net interest margin | 3.3311% | 4,528 |
| Noninterest income to average assets | 1.5416% | 616 |
| Noninterest expense to average assets | 3.2305% | 2,268 |
| Loan and lease loss provision to assets | 0.0943% | 3,191 |
| Net operating income to assets | 0.9272% | 2,701 |
| Return on assets (ROA) | 0.9898% | 2,513 |
| Pretax return on assets | 1.4721% | 1,695 |
| Return on Equity (ROE) | 13.6755% | 1,077 |
| Retained earnings to average equity (ytd only) | 7.7748% | 1,513 |
| Net charge-offs to loans | 0.0002% | 5,211 |
| Credit loss provision to net charge-offs | 100,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 15,666.7744% | 2 |
| Efficiency ratio | 68.6826% | 3,962 |
| Assets per employee ($millions) | 6.5307% | 922 |
| Cash dividends to net income (ytd only)* | 43.1483% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 4,225 |
| Loan loss allowance to noncurrent loans | 915.4789% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 6,172 |
| Noncurrent loans to loans | 0.1456% | 5,887 |
| Net loans and leases to total assets | 61.0039% | 3,522 |
| Net loans and leases to deposits | 70.2349% | 3,753 |
| Net loans and leases to core deposits | 72.4807% | 4,035 |
| Total domestic deposits to total assets | 86.8570% | 2,765 |
| Equity capital to assets | 7.0271% | 6,542 |
| Core capital (leverage) ratio | 7.6056% | 6,404 |
| Tier 1 risk-based capital ratio | 12.2560% | 5,600 |
| Total risk-based capital ratio | 13.5071% | 5,535 |
| Memoranda: | ||
| Average total assets | $1,414,574,250 | 479 |
| Average earning assets | $1,342,713,750 | 459 |
| Average equity | $102,379,750 | 700 |
| Average total loans | $811,794,250 | 513 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4784% | 5,737 |
| Cost of funding earning assets | 0.1706% | 6,625 |
| Net interest margin | 3.3077% | 4,546 |
| Noninterest income to average assets | 1.5132% | 681 |
| Noninterest expense to average assets | 3.2686% | 2,166 |
| Loan and lease loss provision to assets | 0.0570% | 3,861 |
| Net operating income to assets | 0.8934% | 2,834 |
| Return on assets (ROA) | 0.9703% | 2,608 |
| Pretax return on assets | 1.4449% | 1,782 |
| Return on Equity (ROE) | 13.2740% | 1,175 |
| Retained earnings to average equity (ytd only) | 7.3898% | 1,717 |
| Net charge-offs to loans | -0.0013% | 5,505 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2046% | 3,792 |
| Assets per employee ($millions) | 6.4517% | 927 |
| Cash dividends to net income (ytd only)* | 44.3285% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 4,192 |
| Loan loss allowance to noncurrent loans | 795.0280% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 6,197 |
| Noncurrent loans to loans | 0.1717% | 5,888 |
| Net loans and leases to total assets | 57.5506% | 4,056 |
| Net loans and leases to deposits | 65.7097% | 4,300 |
| Net loans and leases to core deposits | 68.0219% | 4,497 |
| Total domestic deposits to total assets | 87.5832% | 2,501 |
| Equity capital to assets | 6.9966% | 6,604 |
| Core capital (leverage) ratio | 7.6265% | 6,404 |
| Tier 1 risk-based capital ratio | 12.6043% | 5,429 |
| Total risk-based capital ratio | 13.8554% | 5,367 |
| Memoranda: | ||
| Average total assets | $1,402,823,670 | 482 |
| Average earning assets | $1,332,758,000 | 461 |
| Average equity | $102,546,330 | 702 |
| Average total loans | $783,593,000 | 529 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5027% | 5,697 |
| Cost of funding earning assets | 0.1881% | 6,632 |
| Net interest margin | 3.3147% | 4,464 |
| Noninterest income to average assets | 1.5206% | 669 |
| Noninterest expense to average assets | 3.3551% | 1,942 |
| Loan and lease loss provision to assets | 0.0575% | 3,672 |
| Net operating income to assets | 0.8421% | 2,939 |
| Return on assets (ROA) | 0.9576% | 2,546 |
| Pretax return on assets | 1.4323% | 1,765 |
| Return on Equity (ROE) | 12.8189% | 1,208 |
| Retained earnings to average equity (ytd only) | 7.0310% | 2,136 |
| Net charge-offs to loans | 0.0011% | 4,139 |
| Credit loss provision to net charge-offs | 10,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 2,291.0000% | 5 |
| Efficiency ratio | 71.8065% | 3,650 |
| Assets per employee ($millions) | 6.2359% | 1,120 |
| Cash dividends to net income (ytd only)* | 45.1516% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 4,062 |
| Loan loss allowance to noncurrent loans | 768.1599% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 6,264 |
| Noncurrent loans to loans | 0.1872% | 5,935 |
| Net loans and leases to total assets | 55.9273% | 4,092 |
| Net loans and leases to deposits | 62.0339% | 4,538 |
| Net loans and leases to core deposits | 64.2955% | 4,712 |
| Total domestic deposits to total assets | 90.1559% | 955 |
| Equity capital to assets | 7.6065% | 6,559 |
| Core capital (leverage) ratio | 7.5408% | 6,453 |
| Tier 1 risk-based capital ratio | 13.7898% | 4,657 |
| Total risk-based capital ratio | 15.0425% | 4,618 |
| Memoranda: | ||
| Average total assets | $1,391,323,000 | 487 |
| Average earning assets | $1,322,961,500 | 469 |
| Average equity | $103,940,000 | 700 |
| Average total loans | $759,427,500 | 548 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 5,777 |
| Cost of funding earning assets | 0.2484% | 6,680 |
| Net interest margin | 3.5712% | 4,223 |
| Noninterest income to average assets | 1.4509% | 746 |
| Noninterest expense to average assets | 3.3927% | 2,065 |
| Loan and lease loss provision to assets | 0.0592% | 5,035 |
| Net operating income to assets | 0.9475% | 2,562 |
| Return on assets (ROA) | 0.9919% | 2,594 |
| Pretax return on assets | 1.4591% | 1,821 |
| Return on Equity (ROE) | 13.5947% | 1,079 |
| Retained earnings to average equity (ytd only) | 12.0702% | 318 |
| Net charge-offs to loans | 0.0016% | 5,969 |
| Credit loss provision to net charge-offs | 7,272.7273% | 31 |
| Earnings coverage of net charge-offs (x) | 1,785.0000% | 15 |
| Efficiency ratio | 69.9954% | 3,817 |
| Assets per employee ($millions) | 6.4409% | 1,031 |
| Cash dividends to net income (ytd only)* | 11.2139% | 4,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 3,856 |
| Loan loss allowance to noncurrent loans | 678.7353% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 6,293 |
| Noncurrent loans to loans | 0.2168% | 5,933 |
| Net loans and leases to total assets | 51.7285% | 4,965 |
| Net loans and leases to deposits | 57.2100% | 5,321 |
| Net loans and leases to core deposits | 59.1352% | 5,441 |
| Total domestic deposits to total assets | 90.4185% | 740 |
| Equity capital to assets | 7.3396% | 6,686 |
| Core capital (leverage) ratio | 7.4681% | 6,515 |
| Tier 1 risk-based capital ratio | 13.8145% | 4,523 |
| Total risk-based capital ratio | 15.0673% | 4,474 |
| Memoranda: | ||
| Average total assets | $1,351,269,400 | 494 |
| Average earning assets | $1,284,567,600 | 472 |
| Average equity | $98,589,800 | 721 |
| Average total loans | $707,407,400 | 585 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 5,887 |
| Cost of funding earning assets | 0.2606% | 6,768 |
| Net interest margin | 3.5994% | 4,240 |
| Noninterest income to average assets | 1.4501% | 715 |
| Noninterest expense to average assets | 3.3590% | 2,108 |
| Loan and lease loss provision to assets | 0.0699% | 4,796 |
| Net operating income to assets | 0.9877% | 2,572 |
| Return on assets (ROA) | 1.0388% | 2,542 |
| Pretax return on assets | 1.5184% | 1,811 |
| Return on Equity (ROE) | 14.2603% | 1,053 |
| Retained earnings to average equity (ytd only) | 14.2603% | 283 |
| Net charge-offs to loans | -0.0176% | 6,474 |
| Credit loss provision to net charge-offs | -760.8696% | 6,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9184% | 3,890 |
| Assets per employee ($millions) | 6.4985% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 3,917 |
| Loan loss allowance to noncurrent loans | 625.4140% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 6,394 |
| Noncurrent loans to loans | 0.2413% | 6,004 |
| Net loans and leases to total assets | 52.3715% | 4,996 |
| Net loans and leases to deposits | 58.5664% | 5,369 |
| Net loans and leases to core deposits | 60.8913% | 5,464 |
| Total domestic deposits to total assets | 89.4224% | 1,177 |
| Equity capital to assets | 7.5622% | 6,760 |
| Core capital (leverage) ratio | 7.4868% | 6,629 |
| Tier 1 risk-based capital ratio | 13.8657% | 4,638 |
| Total risk-based capital ratio | 15.1189% | 4,589 |
| Memoranda: | ||
| Average total assets | $1,334,839,750 | 500 |
| Average earning assets | $1,269,056,500 | 478 |
| Average equity | $97,237,000 | 734 |
| Average total loans | $698,275,750 | 595 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 5,799 |
| Cost of funding earning assets | 0.2771% | 6,808 |
| Net interest margin | 3.6674% | 3,966 |
| Noninterest income to average assets | 1.3903% | 746 |
| Noninterest expense to average assets | 3.3717% | 2,096 |
| Loan and lease loss provision to assets | 0.0830% | 4,559 |
| Net operating income to assets | 0.9722% | 2,577 |
| Return on assets (ROA) | 1.0168% | 2,617 |
| Pretax return on assets | 1.4828% | 1,906 |
| Return on Equity (ROE) | 14.1439% | 1,081 |
| Retained earnings to average equity (ytd only) | 14.1439% | 337 |
| Net charge-offs to loans | -0.0235% | 6,464 |
| Credit loss provision to net charge-offs | -679.0123% | 6,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1574% | 3,902 |
| Assets per employee ($millions) | 6.5696% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 3,847 |
| Loan loss allowance to noncurrent loans | 809.4524% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 6,555 |
| Noncurrent loans to loans | 0.1897% | 6,204 |
| Net loans and leases to total assets | 51.1322% | 5,203 |
| Net loans and leases to deposits | 57.3617% | 5,518 |
| Net loans and leases to core deposits | 59.7578% | 5,614 |
| Total domestic deposits to total assets | 89.1401% | 1,425 |
| Equity capital to assets | 7.2650% | 6,852 |
| Core capital (leverage) ratio | 7.2058% | 6,752 |
| Tier 1 risk-based capital ratio | 13.6950% | 4,670 |
| Total risk-based capital ratio | 14.9484% | 4,641 |
| Memoranda: | ||
| Average total assets | $1,324,893,000 | 509 |
| Average earning assets | $1,258,108,000 | 485 |
| Average equity | $95,249,330 | 745 |
| Average total loans | $689,149,670 | 598 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 5,807 |
| Cost of funding earning assets | 0.2786% | 6,911 |
| Net interest margin | 3.7078% | 3,790 |
| Noninterest income to average assets | 1.3880% | 754 |
| Noninterest expense to average assets | 3.4373% | 1,921 |
| Loan and lease loss provision to assets | 0.0916% | 4,210 |
| Net operating income to assets | 0.9484% | 2,704 |
| Return on assets (ROA) | 1.0025% | 2,662 |
| Pretax return on assets | 1.4585% | 1,997 |
| Return on Equity (ROE) | 14.0215% | 1,176 |
| Retained earnings to average equity (ytd only) | 14.0215% | 561 |
| Net charge-offs to loans | -0.0088% | 5,909 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9472% | 3,818 |
| Assets per employee ($millions) | 6.5314% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 4,082 |
| Loan loss allowance to noncurrent loans | 802.6054% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 6,637 |
| Noncurrent loans to loans | 0.1887% | 6,303 |
| Net loans and leases to total assets | 50.6086% | 5,219 |
| Net loans and leases to deposits | 58.6427% | 5,306 |
| Net loans and leases to core deposits | 61.1043% | 5,423 |
| Total domestic deposits to total assets | 86.2998% | 3,361 |
| Equity capital to assets | 7.0614% | 6,924 |
| Core capital (leverage) ratio | 7.2464% | 6,745 |
| Tier 1 risk-based capital ratio | 13.3998% | 4,898 |
| Total risk-based capital ratio | 14.6528% | 4,886 |
| Memoranda: | ||
| Average total assets | $1,310,667,500 | 511 |
| Average earning assets | $1,244,612,500 | 491 |
| Average equity | $93,713,500 | 749 |
| Average total loans | $682,332,000 | 608 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2393% | 5,947 |
| Cost of funding earning assets | 0.3496% | 7,010 |
| Net interest margin | 3.8896% | 3,381 |
| Noninterest income to average assets | 1.4879% | 587 |
| Noninterest expense to average assets | 3.6096% | 1,726 |
| Loan and lease loss provision to assets | 0.0846% | 5,551 |
| Net operating income to assets | 1.0229% | 2,110 |
| Return on assets (ROA) | 1.0551% | 2,128 |
| Pretax return on assets | 1.5385% | 1,370 |
| Return on Equity (ROE) | 13.8601% | 967 |
| Retained earnings to average equity (ytd only) | 7.5560% | 1,250 |
| Net charge-offs to loans | -0.0436% | 7,041 |
| Credit loss provision to net charge-offs | -364.9635% | 6,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3598% | 4,077 |
| Assets per employee ($millions) | 6.2850% | 1,056 |
| Cash dividends to net income (ytd only)* | 45.4837% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 3,980 |
| Loan loss allowance to noncurrent loans | 844.4722% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 6,719 |
| Noncurrent loans to loans | 0.1787% | 6,390 |
| Net loans and leases to total assets | 51.9732% | 5,315 |
| Net loans and leases to deposits | 58.6886% | 5,634 |
| Net loans and leases to core deposits | 60.9823% | 5,755 |
| Total domestic deposits to total assets | 88.5575% | 1,816 |
| Equity capital to assets | 7.2436% | 6,891 |
| Core capital (leverage) ratio | 7.2607% | 6,761 |
| Tier 1 risk-based capital ratio | 13.4069% | 4,766 |
| Total risk-based capital ratio | 14.6601% | 4,733 |
| Memoranda: | ||
| Average total assets | $1,182,582,000 | 548 |
| Average earning assets | $1,124,323,800 | 524 |
| Average equity | $90,020,800 | 750 |
| Average total loans | $627,999,400 | 661 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 5,988 |
| Cost of funding earning assets | 0.3577% | 7,108 |
| Net interest margin | 3.9294% | 3,236 |
| Noninterest income to average assets | 1.5369% | 557 |
| Noninterest expense to average assets | 3.6262% | 1,657 |
| Loan and lease loss provision to assets | 0.0863% | 5,368 |
| Net operating income to assets | 1.0640% | 2,090 |
| Return on assets (ROA) | 1.1003% | 2,114 |
| Pretax return on assets | 1.6172% | 1,339 |
| Return on Equity (ROE) | 14.2647% | 984 |
| Retained earnings to average equity (ytd only) | 7.8995% | 1,540 |
| Net charge-offs to loans | -0.0623% | 7,090 |
| Credit loss provision to net charge-offs | -260.4167% | 6,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4839% | 4,221 |
| Assets per employee ($millions) | 5.8643% | 1,299 |
| Cash dividends to net income (ytd only)* | 44.6222% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 3,975 |
| Loan loss allowance to noncurrent loans | 835.2694% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 6,811 |
| Noncurrent loans to loans | 0.1828% | 6,507 |
| Net loans and leases to total assets | 53.2356% | 5,285 |
| Net loans and leases to deposits | 60.2977% | 5,595 |
| Net loans and leases to core deposits | 62.6651% | 5,754 |
| Total domestic deposits to total assets | 88.2878% | 1,882 |
| Equity capital to assets | 7.8171% | 6,797 |
| Core capital (leverage) ratio | 7.5251% | 6,753 |
| Tier 1 risk-based capital ratio | 13.8359% | 4,468 |
| Total risk-based capital ratio | 15.0896% | 4,430 |
| Memoranda: | ||
| Average total assets | $1,159,262,250 | 565 |
| Average earning assets | $1,103,172,500 | 536 |
| Average equity | $89,421,500 | 758 |
| Average total loans | $616,683,000 | 682 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 5,937 |
| Cost of funding earning assets | 0.3669% | 7,197 |
| Net interest margin | 3.9577% | 3,050 |
| Noninterest income to average assets | 1.5388% | 537 |
| Noninterest expense to average assets | 3.6616% | 1,601 |
| Loan and lease loss provision to assets | 0.0873% | 5,219 |
| Net operating income to assets | 1.0543% | 2,022 |
| Return on assets (ROA) | 1.0972% | 1,966 |
| Pretax return on assets | 1.6174% | 1,227 |
| Return on Equity (ROE) | 14.2908% | 919 |
| Retained earnings to average equity (ytd only) | 8.0134% | 1,459 |
| Net charge-offs to loans | -0.1328% | 7,224 |
| Credit loss provision to net charge-offs | -124.3781% | 6,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8011% | 4,366 |
| Assets per employee ($millions) | 5.9625% | 1,209 |
| Cash dividends to net income (ytd only)* | 43.9261% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 4,009 |
| Loan loss allowance to noncurrent loans | 973.8308% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 6,881 |
| Noncurrent loans to loans | 0.1566% | 6,587 |
| Net loans and leases to total assets | 54.6180% | 5,206 |
| Net loans and leases to deposits | 62.5567% | 5,438 |
| Net loans and leases to core deposits | 64.8182% | 5,627 |
| Total domestic deposits to total assets | 87.3097% | 2,565 |
| Equity capital to assets | 7.8390% | 6,778 |
| Core capital (leverage) ratio | 7.5426% | 6,713 |
| Tier 1 risk-based capital ratio | 13.7494% | 4,344 |
| Total risk-based capital ratio | 15.0032% | 4,314 |
| Memoranda: | ||
| Average total assets | $1,144,952,670 | 580 |
| Average earning assets | $1,089,056,000 | 547 |
| Average equity | $87,903,000 | 765 |
| Average total loans | $605,605,330 | 707 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 6,089 |
| Cost of funding earning assets | 0.3824% | 7,260 |
| Net interest margin | 3.8914% | 3,183 |
| Noninterest income to average assets | 1.5360% | 553 |
| Noninterest expense to average assets | 3.6570% | 1,636 |
| Loan and lease loss provision to assets | 0.0878% | 4,909 |
| Net operating income to assets | 1.0264% | 2,089 |
| Return on assets (ROA) | 1.0904% | 1,914 |
| Pretax return on assets | 1.5946% | 1,206 |
| Return on Equity (ROE) | 14.3556% | 926 |
| Retained earnings to average equity (ytd only) | 7.7534% | 1,825 |
| Net charge-offs to loans | -0.1661% | 7,220 |
| Credit loss provision to net charge-offs | -102.4590% | 5,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4718% | 4,383 |
| Assets per employee ($millions) | 5.7072% | 1,404 |
| Cash dividends to net income (ytd only)* | 45.9903% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 3,978 |
| Loan loss allowance to noncurrent loans | 1,050.2800% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 6,970 |
| Noncurrent loans to loans | 0.1472% | 6,682 |
| Net loans and leases to total assets | 52.0685% | 5,577 |
| Net loans and leases to deposits | 58.9606% | 5,832 |
| Net loans and leases to core deposits | 61.1671% | 6,000 |
| Total domestic deposits to total assets | 88.3107% | 2,186 |
| Equity capital to assets | 7.5674% | 6,832 |
| Core capital (leverage) ratio | 7.4689% | 6,748 |
| Tier 1 risk-based capital ratio | 14.1172% | 3,992 |
| Total risk-based capital ratio | 15.3710% | 3,967 |
| Memoranda: | ||
| Average total assets | $1,139,066,000 | 592 |
| Average earning assets | $1,085,790,500 | 556 |
| Average equity | $86,516,500 | 770 |
| Average total loans | $587,624,000 | 735 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 6,140 |
| Cost of funding earning assets | 0.4740% | 7,337 |
| Net interest margin | 4.1173% | 2,493 |
| Noninterest income to average assets | 1.8459% | 455 |
| Noninterest expense to average assets | 3.8947% | 1,324 |
| Loan and lease loss provision to assets | 0.0517% | 6,637 |
| Net operating income to assets | 1.2306% | 1,342 |
| Return on assets (ROA) | 1.2455% | 1,374 |
| Pretax return on assets | 1.8450% | 691 |
| Return on Equity (ROE) | 15.6523% | 625 |
| Retained earnings to average equity (ytd only) | 8.9988% | 699 |
| Net charge-offs to loans | 0.0714% | 6,085 |
| Credit loss provision to net charge-offs | 139.5939% | 2,721 |
| Earnings coverage of net charge-offs (x) | 50.6320% | 460 |
| Efficiency ratio | 66.8904% | 4,781 |
| Assets per employee ($millions) | 5.5990% | 1,497 |
| Cash dividends to net income (ytd only)* | 42.5079% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,727 |
| Loan loss allowance to noncurrent loans | 774.6295% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 6,979 |
| Noncurrent loans to loans | 0.2017% | 6,664 |
| Net loans and leases to total assets | 49.4862% | 6,215 |
| Net loans and leases to deposits | 56.1479% | 6,432 |
| Net loans and leases to core deposits | 58.4329% | 6,523 |
| Total domestic deposits to total assets | 88.1355% | 2,166 |
| Equity capital to assets | 7.6238% | 6,799 |
| Core capital (leverage) ratio | 7.4019% | 6,783 |
| Tier 1 risk-based capital ratio | 14.2176% | 3,728 |
| Total risk-based capital ratio | 15.4709% | 3,682 |
| Memoranda: | ||
| Average total assets | $1,064,125,800 | 632 |
| Average earning assets | $1,014,011,600 | 594 |
| Average equity | $84,677,800 | 787 |
| Average total loans | $551,700,800 | 815 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 6,087 |
| Cost of funding earning assets | 0.4910% | 7,456 |
| Net interest margin | 4.1909% | 2,250 |
| Noninterest income to average assets | 1.9510% | 391 |
| Noninterest expense to average assets | 3.9003% | 1,204 |
| Loan and lease loss provision to assets | 0.0636% | 6,426 |
| Net operating income to assets | 1.3367% | 1,267 |
| Return on assets (ROA) | 1.3493% | 1,302 |
| Pretax return on assets | 1.9966% | 622 |
| Return on Equity (ROE) | 16.7668% | 617 |
| Retained earnings to average equity (ytd only) | 9.9383% | 811 |
| Net charge-offs to loans | 0.0132% | 6,484 |
| Credit loss provision to net charge-offs | 925.9259% | 313 |
| Earnings coverage of net charge-offs (x) | 297.0111% | 107 |
| Efficiency ratio | 65.0335% | 5,045 |
| Assets per employee ($millions) | 5.4531% | 1,672 |
| Cash dividends to net income (ytd only)* | 40.7264% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 3,236 |
| Loan loss allowance to noncurrent loans | 940.0615% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 7,127 |
| Noncurrent loans to loans | 0.1781% | 6,828 |
| Net loans and leases to total assets | 49.4001% | 6,386 |
| Net loans and leases to deposits | 56.3204% | 6,595 |
| Net loans and leases to core deposits | 58.8490% | 6,681 |
| Total domestic deposits to total assets | 87.7127% | 2,152 |
| Equity capital to assets | 8.0996% | 6,713 |
| Core capital (leverage) ratio | 7.6158% | 6,749 |
| Tier 1 risk-based capital ratio | 15.1263% | 3,193 |
| Total risk-based capital ratio | 16.3818% | 3,170 |
| Memoranda: | ||
| Average total assets | $1,047,410,250 | 634 |
| Average earning assets | $997,443,250 | 597 |
| Average equity | $84,291,250 | 785 |
| Average total loans | $547,484,000 | 829 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 5,941 |
| Cost of funding earning assets | 0.5129% | 7,529 |
| Net interest margin | 4.2446% | 1,985 |
| Noninterest income to average assets | 2.0856% | 334 |
| Noninterest expense to average assets | 3.9214% | 1,154 |
| Loan and lease loss provision to assets | 0.0871% | 6,053 |
| Net operating income to assets | 1.4184% | 1,064 |
| Return on assets (ROA) | 1.4374% | 1,086 |
| Pretax return on assets | 2.1465% | 450 |
| Return on Equity (ROE) | 17.9014% | 468 |
| Retained earnings to average equity (ytd only) | 11.5862% | 550 |
| Net charge-offs to loans | 0.0223% | 6,026 |
| Credit loss provision to net charge-offs | 737.7049% | 512 |
| Earnings coverage of net charge-offs (x) | 186.7377% | 182 |
| Efficiency ratio | 63.4065% | 5,445 |
| Assets per employee ($millions) | 5.3497% | 1,757 |
| Cash dividends to net income (ytd only)* | 35.2775% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 3,319 |
| Loan loss allowance to noncurrent loans | 895.6778% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 7,042 |
| Noncurrent loans to loans | 0.1820% | 6,888 |
| Net loans and leases to total assets | 51.9565% | 6,215 |
| Net loans and leases to deposits | 59.4615% | 6,458 |
| Net loans and leases to core deposits | 62.1891% | 6,533 |
| Total domestic deposits to total assets | 87.3784% | 2,336 |
| Equity capital to assets | 8.2843% | 6,443 |
| Core capital (leverage) ratio | 7.6666% | 6,651 |
| Tier 1 risk-based capital ratio | 14.7243% | 3,320 |
| Total risk-based capital ratio | 15.9795% | 3,286 |
| Memoranda: | ||
| Average total assets | $1,033,010,000 | 640 |
| Average earning assets | $983,518,670 | 609 |
| Average equity | $82,943,330 | 790 |
| Average total loans | $547,332,670 | 838 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 5,828 |
| Cost of funding earning assets | 0.5410% | 7,615 |
| Net interest margin | 4.2768% | 1,764 |
| Noninterest income to average assets | 1.5621% | 501 |
| Noninterest expense to average assets | 3.9573% | 1,090 |
| Loan and lease loss provision to assets | 0.1177% | 5,426 |
| Net operating income to assets | 1.0407% | 2,029 |
| Return on assets (ROA) | 1.0770% | 1,983 |
| Pretax return on assets | 1.6092% | 1,241 |
| Return on Equity (ROE) | 13.6380% | 1,115 |
| Retained earnings to average equity (ytd only) | 7.1667% | 2,064 |
| Net charge-offs to loans | -0.0532% | 7,361 |
| Credit loss provision to net charge-offs | -416.6667% | 6,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6343% | 4,388 |
| Assets per employee ($millions) | 5.3169% | 1,848 |
| Cash dividends to net income (ytd only)* | 47.4508% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 3,171 |
| Loan loss allowance to noncurrent loans | 811.1408% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 7,027 |
| Noncurrent loans to loans | 0.2060% | 6,925 |
| Net loans and leases to total assets | 52.4568% | 6,223 |
| Net loans and leases to deposits | 60.7075% | 6,390 |
| Net loans and leases to core deposits | 63.4118% | 6,497 |
| Total domestic deposits to total assets | 86.4091% | 2,937 |
| Equity capital to assets | 7.9911% | 6,663 |
| Core capital (leverage) ratio | 7.5617% | 6,781 |
| Tier 1 risk-based capital ratio | 14.4758% | 3,392 |
| Total risk-based capital ratio | 15.7318% | 3,357 |
| Memoranda: | ||
| Average total assets | $1,019,894,500 | 664 |
| Average earning assets | $970,072,000 | 629 |
| Average equity | $80,539,500 | 817 |
| Average total loans | $541,267,500 | 870 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0155% | 6,385 |
| Cost of funding earning assets | 0.7768% | 7,589 |
| Net interest margin | 4.2387% | 1,945 |
| Noninterest income to average assets | 1.6747% | 514 |
| Noninterest expense to average assets | 4.0873% | 1,252 |
| Loan and lease loss provision to assets | 0.1238% | 6,402 |
| Net operating income to assets | 1.0328% | 1,732 |
| Return on assets (ROA) | 1.0600% | 1,674 |
| Pretax return on assets | 1.5266% | 1,123 |
| Return on Equity (ROE) | 13.3657% | 893 |
| Retained earnings to average equity (ytd only) | 5.1515% | 1,739 |
| Net charge-offs to loans | 0.0336% | 6,791 |
| Credit loss provision to net charge-offs | 718.5629% | 403 |
| Earnings coverage of net charge-offs (x) | 93.5210% | 298 |
| Efficiency ratio | 71.0453% | 4,435 |
| Assets per employee ($millions) | 5.0947% | 2,092 |
| Cash dividends to net income (ytd only)* | 61.4576% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 3,186 |
| Loan loss allowance to noncurrent loans | 649.9628% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 6,959 |
| Noncurrent loans to loans | 0.2497% | 6,797 |
| Net loans and leases to total assets | 51.9364% | 6,427 |
| Net loans and leases to deposits | 60.4821% | 6,599 |
| Net loans and leases to core deposits | 66.9829% | 6,930 |
| Total domestic deposits to total assets | 85.8706% | 3,074 |
| Equity capital to assets | 7.8025% | 6,762 |
| Core capital (leverage) ratio | 7.4063% | 6,878 |
| Tier 1 risk-based capital ratio | 13.9497% | 3,532 |
| Total risk-based capital ratio | 15.2045% | 3,482 |
| Memoranda: | ||
| Average total assets | $969,505,400 | 691 |
| Average earning assets | $920,306,000 | 662 |
| Average equity | $76,890,600 | 840 |
| Average total loans | $496,544,600 | 968 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 6,595 |
| Cost of funding earning assets | 0.8247% | 7,660 |
| Net interest margin | 4.1770% | 2,127 |
| Noninterest income to average assets | 1.6907% | 516 |
| Noninterest expense to average assets | 4.0727% | 1,184 |
| Loan and lease loss provision to assets | 0.1254% | 6,098 |
| Net operating income to assets | 1.0273% | 1,971 |
| Return on assets (ROA) | 1.0651% | 1,895 |
| Pretax return on assets | 1.5100% | 1,388 |
| Return on Equity (ROE) | 13.3719% | 1,036 |
| Retained earnings to average equity (ytd only) | 5.4792% | 2,218 |
| Net charge-offs to loans | 0.0258% | 6,520 |
| Credit loss provision to net charge-offs | 957.4468% | 392 |
| Earnings coverage of net charge-offs (x) | 120.8300% | 308 |
| Efficiency ratio | 71.3241% | 4,363 |
| Assets per employee ($millions) | 4.9893% | 2,159 |
| Cash dividends to net income (ytd only)* | 59.0243% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 2,787 |
| Loan loss allowance to noncurrent loans | 580.7377% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 7,175 |
| Noncurrent loans to loans | 0.2848% | 6,799 |
| Net loans and leases to total assets | 50.6588% | 6,723 |
| Net loans and leases to deposits | 59.5319% | 6,863 |
| Net loans and leases to core deposits | 66.6183% | 7,134 |
| Total domestic deposits to total assets | 85.0951% | 3,178 |
| Equity capital to assets | 7.9773% | 6,867 |
| Core capital (leverage) ratio | 7.4598% | 7,022 |
| Tier 1 risk-based capital ratio | 14.3931% | 3,333 |
| Total risk-based capital ratio | 15.6481% | 3,274 |
| Memoranda: | ||
| Average total assets | $957,144,500 | 709 |
| Average earning assets | $908,378,250 | 677 |
| Average equity | $76,237,500 | 860 |
| Average total loans | $486,197,250 | 1,009 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0270% | 6,682 |
| Cost of funding earning assets | 0.8899% | 7,710 |
| Net interest margin | 4.1371% | 2,208 |
| Noninterest income to average assets | 1.6219% | 566 |
| Noninterest expense to average assets | 4.1402% | 1,144 |
| Loan and lease loss provision to assets | 0.1272% | 5,832 |
| Net operating income to assets | 0.9151% | 2,394 |
| Return on assets (ROA) | 0.9509% | 2,370 |
| Pretax return on assets | 1.3241% | 1,953 |
| Return on Equity (ROE) | 11.9442% | 1,428 |
| Retained earnings to average equity (ytd only) | 3.2137% | 3,531 |
| Net charge-offs to loans | 0.0205% | 6,222 |
| Credit loss provision to net charge-offs | 1,224.4898% | 402 |
| Earnings coverage of net charge-offs (x) | 134.9592% | 294 |
| Efficiency ratio | 73.9845% | 4,031 |
| Assets per employee ($millions) | 4.8008% | 2,320 |
| Cash dividends to net income (ytd only)* | 73.0941% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6824% | 2,406 |
| Loan loss allowance to noncurrent loans | 575.9078% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 7,198 |
| Noncurrent loans to loans | 0.2921% | 6,785 |
| Net loans and leases to total assets | 49.2097% | 6,940 |
| Net loans and leases to deposits | 56.7160% | 7,110 |
| Net loans and leases to core deposits | 65.8558% | 7,221 |
| Total domestic deposits to total assets | 86.7651% | 2,370 |
| Equity capital to assets | 7.6639% | 7,120 |
| Core capital (leverage) ratio | 7.4252% | 7,106 |
| Tier 1 risk-based capital ratio | 14.3978% | 3,305 |
| Total risk-based capital ratio | 15.6527% | 3,240 |
| Memoranda: | ||
| Average total assets | $943,575,000 | 744 |
| Average earning assets | $894,046,330 | 703 |
| Average equity | $75,116,000 | 881 |
| Average total loans | $476,929,000 | 1,051 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 6,732 |
| Cost of funding earning assets | 0.9615% | 7,731 |
| Net interest margin | 4.1110% | 2,238 |
| Noninterest income to average assets | 1.5738% | 558 |
| Noninterest expense to average assets | 4.1319% | 1,022 |
| Loan and lease loss provision to assets | 0.1296% | 5,296 |
| Net operating income to assets | 0.8662% | 2,855 |
| Return on assets (ROA) | 0.8668% | 2,999 |
| Pretax return on assets | 1.2095% | 2,594 |
| Return on Equity (ROE) | 10.6780% | 2,078 |
| Retained earnings to average equity (ytd only) | 0.4418% | 5,483 |
| Net charge-offs to loans | 0.0383% | 4,971 |
| Credit loss provision to net charge-offs | 666.6667% | 867 |
| Earnings coverage of net charge-offs (x) | 68.8222% | 580 |
| Efficiency ratio | 74.7926% | 3,693 |
| Assets per employee ($millions) | 4.6476% | 2,513 |
| Cash dividends to net income (ytd only)* | 95.8624% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6961% | 2,163 |
| Loan loss allowance to noncurrent loans | 420.6878% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 6,920 |
| Noncurrent loans to loans | 0.4032% | 6,408 |
| Net loans and leases to total assets | 49.3318% | 6,916 |
| Net loans and leases to deposits | 57.3232% | 7,083 |
| Net loans and leases to core deposits | 66.6956% | 7,208 |
| Total domestic deposits to total assets | 86.0590% | 2,680 |
| Equity capital to assets | 8.1107% | 6,661 |
| Core capital (leverage) ratio | 7.6988% | 6,889 |
| Tier 1 risk-based capital ratio | 14.8821% | 3,122 |
| Total risk-based capital ratio | 16.1376% | 3,045 |
| Memoranda: | ||
| Average total assets | $925,686,000 | 761 |
| Average earning assets | $877,344,000 | 723 |
| Average equity | $75,145,500 | 888 |
| Average total loans | $470,301,500 | 1,070 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4022% | 7,455 |
| Cost of funding earning assets | 1.2603% | 7,883 |
| Net interest margin | 4.1419% | 2,530 |
| Noninterest income to average assets | 1.8767% | 385 |
| Noninterest expense to average assets | 4.1007% | 1,282 |
| Loan and lease loss provision to assets | 0.1131% | 5,926 |
| Net operating income to assets | 1.0673% | 2,271 |
| Return on assets (ROA) | 1.0869% | 2,115 |
| Pretax return on assets | 1.5737% | 1,464 |
| Return on Equity (ROE) | 13.5483% | 1,201 |
| Retained earnings to average equity (ytd only) | 3.9857% | 2,654 |
| Net charge-offs to loans | -0.0083% | 7,834 |
| Credit loss provision to net charge-offs | -2,702.7027% | 7,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4632% | 4,255 |
| Assets per employee ($millions) | 4.7037% | 2,318 |
| Cash dividends to net income (ytd only)* | 70.5815% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 2,123 |
| Loan loss allowance to noncurrent loans | 477.1234% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 6,859 |
| Noncurrent loans to loans | 0.3419% | 6,351 |
| Net loans and leases to total assets | 50.6010% | 6,975 |
| Net loans and leases to deposits | 60.3396% | 7,059 |
| Net loans and leases to core deposits | 68.8616% | 7,253 |
| Total domestic deposits to total assets | 83.8603% | 3,390 |
| Equity capital to assets | 8.1251% | 6,666 |
| Core capital (leverage) ratio | 7.8566% | 6,717 |
| Tier 1 risk-based capital ratio | 14.6439% | 3,233 |
| Total risk-based capital ratio | 15.8984% | 3,147 |
| Memoranda: | ||
| Average total assets | $884,414,000 | 762 |
| Average earning assets | $828,959,600 | 728 |
| Average equity | $70,953,600 | 935 |
| Average total loans | $446,224,600 | 1,075 |