Home > Cashmere Valley Bank > Performance and Condition Ratios
Cashmere Valley Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 3,469 |
| Cost of funding earning assets | 1.5094% | 3,170 |
| Net interest margin | 3.2791% | 2,815 |
| Noninterest income to average assets | 1.1300% | 492 |
| Noninterest expense to average assets | 2.5917% | 2,041 |
| Loan and lease loss provision to assets | 0.1400% | 919 |
| Net operating income to assets | 1.1977% | 1,743 |
| Return on assets (ROA) | 1.2085% | 1,720 |
| Pretax return on assets | 1.4916% | 1,537 |
| Return on Equity (ROE) | 10.8900% | 2,054 |
| Retained earnings to average equity (ytd only) | 4.9411% | 2,583 |
| Net charge-offs to loans | 0.3279% | 373 |
| Credit loss provision to net charge-offs | 54.8673% | 1,520 |
| Earnings coverage of net charge-offs (x) | 10.8622% | 1,691 |
| Efficiency ratio | 60.7090% | 2,870 |
| Assets per employee ($millions) | 6.9134% | 2,276 |
| Cash dividends to net income (ytd only)* | 54.6405% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 1,789 |
| Loan loss allowance to noncurrent loans | 358.9513% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,666 |
| Noncurrent loans to loans | 0.3568% | 2,226 |
| Net loans and leases to total assets | 45.0000% | 3,798 |
| Net loans and leases to deposits | 52.1954% | 3,792 |
| Net loans and leases to core deposits | 58.6720% | 3,738 |
| Total domestic deposits to total assets | 86.2100% | 2,227 |
| Equity capital to assets | 11.2805% | 1,526 |
| Core capital (leverage) ratio | 13.0175% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $2,121,995,000 | 566 |
| Average earning assets | $1,991,012,500 | 550 |
| Average equity | $235,414,000 | 526 |
| Average total loans | $964,889,000 | 790 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 3,369 |
| Cost of funding earning assets | 1.5781% | 3,213 |
| Net interest margin | 3.2556% | 2,596 |
| Noninterest income to average assets | 1.0800% | 536 |
| Noninterest expense to average assets | 2.3934% | 2,593 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.3578% | 1,160 |
| Return on assets (ROA) | 1.3542% | 1,162 |
| Pretax return on assets | 1.6345% | 1,069 |
| Return on Equity (ROE) | 12.8700% | 1,389 |
| Retained earnings to average equity (ytd only) | 9.8529% | 609 |
| Net charge-offs to loans | 0.3088% | 486 |
| Credit loss provision to net charge-offs | 89.2194% | 2,044 |
| Earnings coverage of net charge-offs (x) | 11.5272% | 2,204 |
| Efficiency ratio | 57.0961% | 3,446 |
| Assets per employee ($millions) | 6.9788% | 2,173 |
| Cash dividends to net income (ytd only)* | 23.4703% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 1,573 |
| Loan loss allowance to noncurrent loans | 371.0128% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 2,613 |
| Noncurrent loans to loans | 0.3570% | 2,193 |
| Net loans and leases to total assets | 44.7600% | 3,859 |
| Net loans and leases to deposits | 51.6675% | 3,864 |
| Net loans and leases to core deposits | 57.8770% | 3,823 |
| Total domestic deposits to total assets | 86.6300% | 1,988 |
| Equity capital to assets | 10.9074% | 1,629 |
| Core capital (leverage) ratio | 12.9340% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $2,079,351,200 | 567 |
| Average earning assets | $1,948,474,600 | 547 |
| Average equity | $218,718,400 | 541 |
| Average total loans | $1,012,156,400 | 746 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 3,319 |
| Cost of funding earning assets | 1.5781% | 3,210 |
| Net interest margin | 3.2573% | 2,546 |
| Noninterest income to average assets | 1.0700% | 530 |
| Noninterest expense to average assets | 2.3914% | 2,549 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 1.3635% | 1,182 |
| Return on assets (ROA) | 1.3599% | 1,192 |
| Pretax return on assets | 1.6274% | 1,121 |
| Return on Equity (ROE) | 13.0500% | 1,350 |
| Retained earnings to average equity (ytd only) | 8.9637% | 1,131 |
| Net charge-offs to loans | 0.2735% | 464 |
| Credit loss provision to net charge-offs | 102.3311% | 1,640 |
| Earnings coverage of net charge-offs (x) | 12.7569% | 2,020 |
| Efficiency ratio | 57.1706% | 3,442 |
| Assets per employee ($millions) | 7.0194% | 2,133 |
| Cash dividends to net income (ytd only)* | 31.3223% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 1,649 |
| Loan loss allowance to noncurrent loans | 449.0256% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 2,756 |
| Noncurrent loans to loans | 0.2931% | 2,403 |
| Net loans and leases to total assets | 46.6200% | 3,789 |
| Net loans and leases to deposits | 53.9702% | 3,817 |
| Net loans and leases to core deposits | 60.0818% | 3,785 |
| Total domestic deposits to total assets | 86.3800% | 1,800 |
| Equity capital to assets | 10.9982% | 1,734 |
| Core capital (leverage) ratio | 12.7208% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $2,068,798,250 | 560 |
| Average earning assets | $1,938,426,750 | 546 |
| Average equity | $215,546,250 | 540 |
| Average total loans | $1,024,602,250 | 739 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 3,358 |
| Cost of funding earning assets | 1.5413% | 3,193 |
| Net interest margin | 3.2147% | 2,609 |
| Noninterest income to average assets | 1.0600% | 536 |
| Noninterest expense to average assets | 2.4094% | 2,499 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3590% | 1,150 |
| Return on assets (ROA) | 1.3558% | 1,166 |
| Pretax return on assets | 1.6056% | 1,119 |
| Return on Equity (ROE) | 13.2700% | 1,305 |
| Retained earnings to average equity (ytd only) | 10.1211% | 852 |
| Net charge-offs to loans | 0.2303% | 484 |
| Credit loss provision to net charge-offs | 109.4958% | 1,412 |
| Earnings coverage of net charge-offs (x) | 14.3908% | 1,811 |
| Efficiency ratio | 58.2074% | 3,368 |
| Assets per employee ($millions) | 7.0081% | 2,069 |
| Cash dividends to net income (ytd only)* | 23.7056% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 1,745 |
| Loan loss allowance to noncurrent loans | 564.9829% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 2,859 |
| Noncurrent loans to loans | 0.2299% | 2,564 |
| Net loans and leases to total assets | 48.8400% | 3,703 |
| Net loans and leases to deposits | 56.5831% | 3,731 |
| Net loans and leases to core deposits | 62.8547% | 3,662 |
| Total domestic deposits to total assets | 86.3200% | 1,889 |
| Equity capital to assets | 10.6045% | 1,751 |
| Core capital (leverage) ratio | 12.7058% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $2,054,118,333 | 569 |
| Average earning assets | $1,925,296,000 | 550 |
| Average equity | $209,936,667 | 553 |
| Average total loans | $1,033,442,000 | 737 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 3,299 |
| Cost of funding earning assets | 1.4667% | 3,275 |
| Net interest margin | 3.2474% | 2,458 |
| Noninterest income to average assets | 1.0200% | 537 |
| Noninterest expense to average assets | 2.4434% | 2,403 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 1.4182% | 1,029 |
| Return on assets (ROA) | 1.4170% | 1,036 |
| Pretax return on assets | 1.6298% | 1,049 |
| Return on Equity (ROE) | 14.1300% | 1,121 |
| Retained earnings to average equity (ytd only) | 7.7212% | 1,634 |
| Net charge-offs to loans | 0.1543% | 545 |
| Credit loss provision to net charge-offs | 65.6716% | 1,342 |
| Earnings coverage of net charge-offs (x) | 20.7040% | 1,344 |
| Efficiency ratio | 59.2919% | 3,324 |
| Assets per employee ($millions) | 6.9806% | 2,100 |
| Cash dividends to net income (ytd only)* | 45.3559% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,048 |
| Loan loss allowance to noncurrent loans | 542.3963% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 2,831 |
| Noncurrent loans to loans | 0.2291% | 2,500 |
| Net loans and leases to total assets | 49.7900% | 3,621 |
| Net loans and leases to deposits | 57.6414% | 3,642 |
| Net loans and leases to core deposits | 63.8184% | 3,609 |
| Total domestic deposits to total assets | 86.3800% | 1,974 |
| Equity capital to assets | 10.1479% | 1,918 |
| Core capital (leverage) ratio | 12.4157% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,054,494,500 | 578 |
| Average earning assets | $1,924,885,000 | 559 |
| Average equity | $206,030,000 | 560 |
| Average total loans | $1,042,104,500 | 735 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 3,429 |
| Cost of funding earning assets | 0.8656% | 3,591 |
| Net interest margin | 3.4444% | 2,314 |
| Noninterest income to average assets | 1.0300% | 599 |
| Noninterest expense to average assets | 2.1936% | 3,148 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.5696% | 909 |
| Return on assets (ROA) | 1.3733% | 1,241 |
| Pretax return on assets | 1.6782% | 1,101 |
| Return on Equity (ROE) | 15.5600% | 1,184 |
| Retained earnings to average equity (ytd only) | 11.8883% | 647 |
| Net charge-offs to loans | 0.3980% | 260 |
| Credit loss provision to net charge-offs | 109.7447% | 1,759 |
| Earnings coverage of net charge-offs (x) | 10.3108% | 2,243 |
| Efficiency ratio | 51.1689% | 3,895 |
| Assets per employee ($millions) | 6.8548% | 2,172 |
| Cash dividends to net income (ytd only)* | 23.5973% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 1,990 |
| Loan loss allowance to noncurrent loans | 653.5964% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 2,842 |
| Noncurrent loans to loans | 0.1920% | 2,548 |
| Net loans and leases to total assets | 50.3900% | 3,577 |
| Net loans and leases to deposits | 58.0331% | 3,632 |
| Net loans and leases to core deposits | 63.1741% | 3,631 |
| Total domestic deposits to total assets | 86.8300% | 1,738 |
| Equity capital to assets | 9.9072% | 2,063 |
| Core capital (leverage) ratio | 12.3810% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,037,640,800 | 563 |
| Average earning assets | $1,908,071,400 | 549 |
| Average equity | $179,832,600 | 589 |
| Average total loans | $1,023,644,200 | 711 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 3,431 |
| Cost of funding earning assets | 0.7832% | 3,568 |
| Net interest margin | 3.4405% | 2,361 |
| Noninterest income to average assets | 1.0300% | 613 |
| Noninterest expense to average assets | 2.3686% | 2,602 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4515% | 1,218 |
| Return on assets (ROA) | 1.3287% | 1,459 |
| Pretax return on assets | 1.6139% | 1,320 |
| Return on Equity (ROE) | 15.5300% | 1,337 |
| Retained earnings to average equity (ytd only) | 10.4791% | 1,268 |
| Net charge-offs to loans | 0.3728% | 234 |
| Credit loss provision to net charge-offs | 119.7964% | 1,487 |
| Earnings coverage of net charge-offs (x) | 10.0944% | 2,143 |
| Efficiency ratio | 55.3430% | 3,459 |
| Assets per employee ($millions) | 6.8464% | 2,075 |
| Cash dividends to net income (ytd only)* | 32.5367% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 1,912 |
| Loan loss allowance to noncurrent loans | 574.4257% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 2,763 |
| Noncurrent loans to loans | 0.2246% | 2,452 |
| Net loans and leases to total assets | 50.7200% | 3,570 |
| Net loans and leases to deposits | 56.4353% | 3,690 |
| Net loans and leases to core deposits | 60.5175% | 3,680 |
| Total domestic deposits to total assets | 89.8800% | 973 |
| Equity capital to assets | 8.9151% | 2,473 |
| Core capital (leverage) ratio | 11.9181% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,036,366,500 | 564 |
| Average earning assets | $1,907,447,000 | 547 |
| Average equity | $174,196,250 | 600 |
| Average total loans | $1,018,941,000 | 714 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,495 |
| Cost of funding earning assets | 0.6707% | 3,567 |
| Net interest margin | 3.4283% | 2,454 |
| Noninterest income to average assets | 1.0200% | 549 |
| Noninterest expense to average assets | 2.3572% | 2,632 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.4644% | 1,178 |
| Return on assets (ROA) | 1.2799% | 1,608 |
| Pretax return on assets | 1.5516% | 1,498 |
| Return on Equity (ROE) | 15.1700% | 1,437 |
| Retained earnings to average equity (ytd only) | 11.3507% | 1,111 |
| Net charge-offs to loans | 0.3293% | 253 |
| Credit loss provision to net charge-offs | 91.1536% | 1,500 |
| Earnings coverage of net charge-offs (x) | 11.5087% | 1,961 |
| Efficiency ratio | 55.2591% | 3,503 |
| Assets per employee ($millions) | 6.7407% | 2,107 |
| Cash dividends to net income (ytd only)* | 25.1773% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,337 |
| Loan loss allowance to noncurrent loans | 848.4438% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 2,989 |
| Noncurrent loans to loans | 0.1440% | 2,746 |
| Net loans and leases to total assets | 50.4700% | 3,528 |
| Net loans and leases to deposits | 56.3605% | 3,621 |
| Net loans and leases to core deposits | 61.0151% | 3,575 |
| Total domestic deposits to total assets | 89.5500% | 1,069 |
| Equity capital to assets | 9.0699% | 2,467 |
| Core capital (leverage) ratio | 11.7508% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,048,770,333 | 551 |
| Average earning assets | $1,922,084,333 | 532 |
| Average equity | $172,852,667 | 597 |
| Average total loans | $1,016,166,667 | 702 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,406 |
| Cost of funding earning assets | 0.4606% | 3,807 |
| Net interest margin | 3.5635% | 2,213 |
| Noninterest income to average assets | 1.0000% | 575 |
| Noninterest expense to average assets | 2.3415% | 2,697 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.5511% | 1,077 |
| Return on assets (ROA) | 1.4921% | 1,182 |
| Pretax return on assets | 1.8150% | 1,043 |
| Return on Equity (ROE) | 18.3500% | 979 |
| Retained earnings to average equity (ytd only) | 10.5028% | 1,580 |
| Net charge-offs to loans | 0.2279% | 327 |
| Credit loss provision to net charge-offs | 124.8264% | 1,025 |
| Earnings coverage of net charge-offs (x) | 17.9913% | 1,493 |
| Efficiency ratio | 53.5220% | 3,652 |
| Assets per employee ($millions) | 6.9017% | 2,044 |
| Cash dividends to net income (ytd only)* | 42.7757% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,231 |
| Loan loss allowance to noncurrent loans | 852.5581% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,064 |
| Noncurrent loans to loans | 0.1481% | 2,752 |
| Net loans and leases to total assets | 48.9500% | 3,571 |
| Net loans and leases to deposits | 54.5017% | 3,650 |
| Net loans and leases to core deposits | 58.0347% | 3,630 |
| Total domestic deposits to total assets | 89.8200% | 1,223 |
| Equity capital to assets | 8.6843% | 2,753 |
| Core capital (leverage) ratio | 11.1198% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,068,789,500 | 556 |
| Average earning assets | $1,943,697,000 | 538 |
| Average equity | $168,184,500 | 620 |
| Average total loans | $1,011,072,000 | 715 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2324% | 3,756 |
| Cost of funding earning assets | 0.2136% | 3,646 |
| Net interest margin | 3.0188% | 3,402 |
| Noninterest income to average assets | 1.0300% | 608 |
| Noninterest expense to average assets | 2.0936% | 3,311 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.5261% | 829 |
| Return on assets (ROA) | 1.1982% | 1,716 |
| Pretax return on assets | 1.3741% | 1,849 |
| Return on Equity (ROE) | 14.6200% | 1,361 |
| Retained earnings to average equity (ytd only) | 10.9083% | 907 |
| Net charge-offs to loans | 0.0838% | 827 |
| Credit loss provision to net charge-offs | 96.6184% | 1,586 |
| Earnings coverage of net charge-offs (x) | 46.8563% | 1,401 |
| Efficiency ratio | 53.3576% | 3,847 |
| Assets per employee ($millions) | 7.1499% | 1,859 |
| Cash dividends to net income (ytd only)* | 25.3846% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 1,618 |
| Loan loss allowance to noncurrent loans | 862.3588% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,028 |
| Noncurrent loans to loans | 0.1585% | 2,705 |
| Net loans and leases to total assets | 47.5200% | 3,703 |
| Net loans and leases to deposits | 52.2172% | 3,789 |
| Net loans and leases to core deposits | 53.7874% | 3,818 |
| Total domestic deposits to total assets | 91.0100% | 955 |
| Equity capital to assets | 7.5850% | 3,338 |
| Core capital (leverage) ratio | 10.6831% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,169,972,400 | 517 |
| Average earning assets | $2,051,976,800 | 498 |
| Average equity | $177,846,400 | 580 |
| Average total loans | $987,698,200 | 691 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0630% | 3,761 |
| Cost of funding earning assets | 0.1998% | 3,277 |
| Net interest margin | 2.8632% | 3,587 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.0893% | 3,235 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3719% | 1,168 |
| Return on assets (ROA) | 0.9928% | 2,473 |
| Pretax return on assets | 1.1434% | 2,580 |
| Return on Equity (ROE) | 11.9000% | 2,069 |
| Retained earnings to average equity (ytd only) | 7.0861% | 2,334 |
| Net charge-offs to loans | 0.0622% | 864 |
| Credit loss provision to net charge-offs | 107.4074% | 1,284 |
| Earnings coverage of net charge-offs (x) | 57.5991% | 1,195 |
| Efficiency ratio | 55.8291% | 3,638 |
| Assets per employee ($millions) | 7.3459% | 1,712 |
| Cash dividends to net income (ytd only)* | 40.4635% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,719 |
| Loan loss allowance to noncurrent loans | 1,429.3996% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,456 |
| Noncurrent loans to loans | 0.0958% | 3,192 |
| Net loans and leases to total assets | 45.8900% | 3,769 |
| Net loans and leases to deposits | 50.1329% | 3,847 |
| Net loans and leases to core deposits | 51.1090% | 3,899 |
| Total domestic deposits to total assets | 91.5400% | 1,032 |
| Equity capital to assets | 6.5921% | 3,697 |
| Core capital (leverage) ratio | 10.0412% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,190,525,000 | 508 |
| Average earning assets | $2,074,663,750 | 492 |
| Average equity | $182,719,000 | 577 |
| Average total loans | $983,152,000 | 690 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9081% | 3,755 |
| Cost of funding earning assets | 0.1991% | 2,923 |
| Net interest margin | 2.7090% | 3,683 |
| Noninterest income to average assets | 0.9721% | 712 |
| Noninterest expense to average assets | 2.0973% | 3,154 |
| Loan and lease loss provision to assets | 0.0096% | 2,419 |
| Net operating income to assets | 1.2505% | 1,274 |
| Return on assets (ROA) | 0.6750% | 3,346 |
| Pretax return on assets | 0.7739% | 3,392 |
| Return on Equity (ROE) | 7.5701% | 3,146 |
| Retained earnings to average equity (ytd only) | 4.2039% | 3,008 |
| Net charge-offs to loans | 0.0398% | 989 |
| Credit loss provision to net charge-offs | 54.6392% | 1,477 |
| Earnings coverage of net charge-offs (x) | 81.8814% | 920 |
| Efficiency ratio | 58.3928% | 3,505 |
| Assets per employee ($millions) | 7.2135% | 1,802 |
| Cash dividends to net income (ytd only)* | 44.4669% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 1,937 |
| Loan loss allowance to noncurrent loans | 3,659.3583% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 3,841 |
| Noncurrent loans to loans | 0.0370% | 3,671 |
| Net loans and leases to total assets | 45.8727% | 3,718 |
| Net loans and leases to deposits | 50.7201% | 3,770 |
| Net loans and leases to core deposits | 51.7180% | 3,833 |
| Total domestic deposits to total assets | 90.4429% | 1,497 |
| Equity capital to assets | 7.3568% | 3,559 |
| Core capital (leverage) ratio | 9.8833% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,198,356,000 | 508 |
| Average earning assets | $2,085,884,333 | 496 |
| Average equity | $196,008,000 | 543 |
| Average total loans | $974,768,667 | 683 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7861% | 3,772 |
| Cost of funding earning assets | 0.1988% | 2,822 |
| Net interest margin | 2.5874% | 3,688 |
| Noninterest income to average assets | 0.9521% | 756 |
| Noninterest expense to average assets | 2.1636% | 2,937 |
| Loan and lease loss provision to assets | 0.0085% | 2,165 |
| Net operating income to assets | 1.0779% | 1,594 |
| Return on assets (ROA) | 1.0991% | 1,525 |
| Pretax return on assets | 1.2642% | 1,607 |
| Return on Equity (ROE) | 11.3531% | 1,501 |
| Retained earnings to average equity (ytd only) | 5.1909% | 2,517 |
| Net charge-offs to loans | 0.0476% | 813 |
| Credit loss provision to net charge-offs | 41.2281% | 1,223 |
| Earnings coverage of net charge-offs (x) | 60.5526% | 851 |
| Efficiency ratio | 62.5113% | 3,204 |
| Assets per employee ($millions) | 7.3562% | 1,767 |
| Cash dividends to net income (ytd only)* | 54.2777% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 1,873 |
| Loan loss allowance to noncurrent loans | 4,435.9223% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,921 |
| Noncurrent loans to loans | 0.0318% | 3,757 |
| Net loans and leases to total assets | 43.5983% | 3,765 |
| Net loans and leases to deposits | 48.8751% | 3,826 |
| Net loans and leases to core deposits | 49.8893% | 3,882 |
| Total domestic deposits to total assets | 89.2036% | 1,977 |
| Equity capital to assets | 8.6015% | 3,080 |
| Core capital (leverage) ratio | 9.8698% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,211,904,500 | 505 |
| Average earning assets | $2,102,840,000 | 493 |
| Average equity | $214,144,000 | 514 |
| Average total loans | $957,302,500 | 688 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8436% | 4,141 |
| Cost of funding earning assets | 0.2523% | 2,897 |
| Net interest margin | 2.5913% | 4,061 |
| Noninterest income to average assets | 1.0630% | 905 |
| Noninterest expense to average assets | 1.9418% | 3,830 |
| Loan and lease loss provision to assets | 0.0038% | 3,001 |
| Net operating income to assets | 1.3598% | 1,410 |
| Return on assets (ROA) | 1.3599% | 1,458 |
| Pretax return on assets | 1.5917% | 1,452 |
| Return on Equity (ROE) | 12.3416% | 1,699 |
| Retained earnings to average equity (ytd only) | 9.7566% | 977 |
| Net charge-offs to loans | 0.0039% | 2,471 |
| Credit loss provision to net charge-offs | 218.9189% | 1,258 |
| Earnings coverage of net charge-offs (x) | 920.5946% | 161 |
| Efficiency ratio | 54.0679% | 3,922 |
| Assets per employee ($millions) | 7.7502% | 1,464 |
| Cash dividends to net income (ytd only)* | 20.9451% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,689 |
| Loan loss allowance to noncurrent loans | 3,409.4059% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 3,957 |
| Noncurrent loans to loans | 0.0429% | 3,767 |
| Net loans and leases to total assets | 41.7289% | 3,989 |
| Net loans and leases to deposits | 47.9287% | 4,002 |
| Net loans and leases to core deposits | 48.9986% | 4,054 |
| Total domestic deposits to total assets | 87.0645% | 2,497 |
| Equity capital to assets | 10.7493% | 1,976 |
| Core capital (leverage) ratio | 9.8760% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,134,971,400 | 498 |
| Average earning assets | $2,038,482,400 | 481 |
| Average equity | $235,245,400 | 470 |
| Average total loans | $949,501,400 | 689 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8415% | 4,246 |
| Cost of funding earning assets | 0.2656% | 2,949 |
| Net interest margin | 2.5760% | 4,170 |
| Noninterest income to average assets | 1.0775% | 951 |
| Noninterest expense to average assets | 1.9085% | 3,924 |
| Loan and lease loss provision to assets | 0.0028% | 2,911 |
| Net operating income to assets | 1.4000% | 1,545 |
| Return on assets (ROA) | 1.4012% | 1,602 |
| Pretax return on assets | 1.6273% | 1,616 |
| Return on Equity (ROE) | 12.6352% | 1,823 |
| Retained earnings to average equity (ytd only) | 9.1745% | 1,628 |
| Net charge-offs to loans | 0.0021% | 2,309 |
| Credit loss provision to net charge-offs | 300.0000% | 1,006 |
| Earnings coverage of net charge-offs (x) | 1,720.6000% | 85 |
| Efficiency ratio | 53.1517% | 3,908 |
| Assets per employee ($millions) | 7.5232% | 1,552 |
| Cash dividends to net income (ytd only)* | 27.3894% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,806 |
| Loan loss allowance to noncurrent loans | 1,839.5722% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 3,930 |
| Noncurrent loans to loans | 0.0790% | 3,697 |
| Net loans and leases to total assets | 42.6371% | 4,046 |
| Net loans and leases to deposits | 48.8659% | 4,079 |
| Net loans and leases to core deposits | 50.0133% | 4,137 |
| Total domestic deposits to total assets | 87.2533% | 2,241 |
| Equity capital to assets | 10.7480% | 2,219 |
| Core capital (leverage) ratio | 9.8308% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,112,638,750 | 504 |
| Average earning assets | $2,017,362,500 | 491 |
| Average equity | $234,282,250 | 475 |
| Average total loans | $951,389,250 | 705 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8451% | 4,292 |
| Cost of funding earning assets | 0.2804% | 2,973 |
| Net interest margin | 2.5647% | 4,224 |
| Noninterest income to average assets | 1.0451% | 1,003 |
| Noninterest expense to average assets | 1.9099% | 3,939 |
| Loan and lease loss provision to assets | 0.0004% | 2,857 |
| Net operating income to assets | 1.3604% | 1,676 |
| Return on assets (ROA) | 1.3622% | 1,750 |
| Pretax return on assets | 1.5879% | 1,774 |
| Return on Equity (ROE) | 12.1526% | 1,998 |
| Retained earnings to average equity (ytd only) | 9.6058% | 1,523 |
| Net charge-offs to loans | -0.0252% | 4,082 |
| Credit loss provision to net charge-offs | -3.3333% | 2,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9126% | 3,819 |
| Assets per employee ($millions) | 7.4826% | 1,490 |
| Cash dividends to net income (ytd only)* | 20.9567% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 1,685 |
| Loan loss allowance to noncurrent loans | 1,614.6853% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,984 |
| Noncurrent loans to loans | 0.0911% | 3,720 |
| Net loans and leases to total assets | 43.2064% | 4,096 |
| Net loans and leases to deposits | 49.5563% | 4,135 |
| Net loans and leases to core deposits | 50.8425% | 4,194 |
| Total domestic deposits to total assets | 87.1864% | 2,224 |
| Equity capital to assets | 10.9276% | 2,038 |
| Core capital (leverage) ratio | 9.8549% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,087,097,000 | 506 |
| Average earning assets | $1,994,730,000 | 493 |
| Average equity | $233,942,000 | 471 |
| Average total loans | $952,786,000 | 705 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8792% | 4,285 |
| Cost of funding earning assets | 0.2937% | 3,060 |
| Net interest margin | 2.5855% | 4,174 |
| Noninterest income to average assets | 1.0853% | 1,001 |
| Noninterest expense to average assets | 1.8914% | 4,002 |
| Loan and lease loss provision to assets | -0.0008% | 4,546 |
| Net operating income to assets | 1.4225% | 1,518 |
| Return on assets (ROA) | 1.4225% | 1,590 |
| Pretax return on assets | 1.6683% | 1,564 |
| Return on Equity (ROE) | 12.5269% | 1,827 |
| Retained earnings to average equity (ytd only) | 7.4254% | 2,443 |
| Net charge-offs to loans | -0.0205% | 4,010 |
| Credit loss provision to net charge-offs | 8.1633% | 1,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5326% | 3,951 |
| Assets per employee ($millions) | 7.6241% | 1,384 |
| Cash dividends to net income (ytd only)* | 40.7245% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,845 |
| Loan loss allowance to noncurrent loans | 1,576.2014% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 4,080 |
| Noncurrent loans to loans | 0.0906% | 3,848 |
| Net loans and leases to total assets | 44.8421% | 4,049 |
| Net loans and leases to deposits | 51.3123% | 4,082 |
| Net loans and leases to core deposits | 52.6491% | 4,163 |
| Total domestic deposits to total assets | 87.3907% | 2,142 |
| Equity capital to assets | 10.7798% | 2,024 |
| Core capital (leverage) ratio | 10.3028% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,056,898,500 | 507 |
| Average earning assets | $1,967,878,500 | 493 |
| Average equity | $233,578,000 | 468 |
| Average total loans | $958,325,000 | 699 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0938% | 4,575 |
| Cost of funding earning assets | 0.3968% | 3,601 |
| Net interest margin | 2.6970% | 4,375 |
| Noninterest income to average assets | 1.1478% | 822 |
| Noninterest expense to average assets | 2.0583% | 4,023 |
| Loan and lease loss provision to assets | 0.1741% | 2,210 |
| Net operating income to assets | 1.2812% | 1,302 |
| Return on assets (ROA) | 1.4001% | 1,109 |
| Pretax return on assets | 1.6205% | 1,028 |
| Return on Equity (ROE) | 11.5659% | 1,451 |
| Retained earnings to average equity (ytd only) | 5.4451% | 2,072 |
| Net charge-offs to loans | 0.0666% | 1,827 |
| Credit loss provision to net charge-offs | 502.2152% | 1,246 |
| Earnings coverage of net charge-offs (x) | 47.7753% | 1,241 |
| Efficiency ratio | 54.6888% | 4,134 |
| Assets per employee ($millions) | 7.5256% | 1,262 |
| Cash dividends to net income (ytd only)* | 52.9211% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 1,811 |
| Loan loss allowance to noncurrent loans | 1,197.0357% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 4,050 |
| Noncurrent loans to loans | 0.1204% | 3,803 |
| Net loans and leases to total assets | 47.0700% | 4,047 |
| Net loans and leases to deposits | 54.5771% | 4,084 |
| Net loans and leases to core deposits | 56.1403% | 4,145 |
| Total domestic deposits to total assets | 86.2449% | 2,254 |
| Equity capital to assets | 11.9681% | 1,584 |
| Core capital (leverage) ratio | 10.5298% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,822,845,400 | 522 |
| Average earning assets | $1,734,932,800 | 504 |
| Average equity | $220,657,000 | 467 |
| Average total loans | $948,456,800 | 677 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1503% | 4,633 |
| Cost of funding earning assets | 0.4223% | 3,686 |
| Net interest margin | 2.7280% | 4,429 |
| Noninterest income to average assets | 1.1565% | 785 |
| Noninterest expense to average assets | 2.1093% | 3,921 |
| Loan and lease loss provision to assets | 0.2137% | 1,884 |
| Net operating income to assets | 1.2256% | 1,561 |
| Return on assets (ROA) | 1.3879% | 1,225 |
| Pretax return on assets | 1.6165% | 1,144 |
| Return on Equity (ROE) | 11.4293% | 1,543 |
| Retained earnings to average equity (ytd only) | 3.0984% | 3,480 |
| Net charge-offs to loans | 0.0767% | 1,544 |
| Credit loss provision to net charge-offs | 523.4862% | 1,252 |
| Earnings coverage of net charge-offs (x) | 40.2092% | 1,357 |
| Efficiency ratio | 55.5019% | 3,983 |
| Assets per employee ($millions) | 7.3934% | 1,279 |
| Cash dividends to net income (ytd only)* | 72.8911% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 1,870 |
| Loan loss allowance to noncurrent loans | 1,305.2224% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 4,175 |
| Noncurrent loans to loans | 0.1050% | 3,945 |
| Net loans and leases to total assets | 49.9474% | 4,101 |
| Net loans and leases to deposits | 57.9580% | 4,166 |
| Net loans and leases to core deposits | 59.9972% | 4,203 |
| Total domestic deposits to total assets | 86.1786% | 1,988 |
| Equity capital to assets | 11.7663% | 1,831 |
| Core capital (leverage) ratio | 10.5507% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,779,984,750 | 525 |
| Average earning assets | $1,692,792,500 | 506 |
| Average equity | $216,151,750 | 469 |
| Average total loans | $947,460,750 | 673 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2860% | 4,661 |
| Cost of funding earning assets | 0.4483% | 3,801 |
| Net interest margin | 2.8377% | 4,404 |
| Noninterest income to average assets | 1.1237% | 787 |
| Noninterest expense to average assets | 2.1990% | 3,791 |
| Loan and lease loss provision to assets | 0.2860% | 1,501 |
| Net operating income to assets | 1.1407% | 1,840 |
| Return on assets (ROA) | 1.3920% | 1,221 |
| Pretax return on assets | 1.6235% | 1,170 |
| Return on Equity (ROE) | 11.3307% | 1,532 |
| Retained earnings to average equity (ytd only) | 1.2088% | 4,037 |
| Net charge-offs to loans | 0.0918% | 1,339 |
| Credit loss provision to net charge-offs | 575.0583% | 1,135 |
| Earnings coverage of net charge-offs (x) | 32.5198% | 1,373 |
| Efficiency ratio | 56.9428% | 3,827 |
| Assets per employee ($millions) | 7.1304% | 1,377 |
| Cash dividends to net income (ytd only)* | 89.3312% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 1,781 |
| Loan loss allowance to noncurrent loans | 1,192.6060% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,226 |
| Noncurrent loans to loans | 0.1131% | 3,995 |
| Net loans and leases to total assets | 52.3737% | 4,005 |
| Net loans and leases to deposits | 61.0064% | 4,065 |
| Net loans and leases to core deposits | 63.3941% | 4,107 |
| Total domestic deposits to total assets | 85.8495% | 2,079 |
| Equity capital to assets | 12.0728% | 1,618 |
| Core capital (leverage) ratio | 11.0103% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,725,156,333 | 531 |
| Average earning assets | $1,636,943,667 | 513 |
| Average equity | $211,938,000 | 474 |
| Average total loans | $935,045,000 | 672 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4636% | 4,670 |
| Cost of funding earning assets | 0.4882% | 3,993 |
| Net interest margin | 2.9754% | 4,324 |
| Noninterest income to average assets | 1.0688% | 742 |
| Noninterest expense to average assets | 2.2452% | 3,900 |
| Loan and lease loss provision to assets | 0.1113% | 2,294 |
| Net operating income to assets | 1.3090% | 1,221 |
| Return on assets (ROA) | 1.3113% | 1,310 |
| Pretax return on assets | 1.5329% | 1,226 |
| Return on Equity (ROE) | 10.5722% | 1,546 |
| Retained earnings to average equity (ytd only) | -10.2118% | 4,773 |
| Net charge-offs to loans | 0.1311% | 934 |
| Credit loss provision to net charge-offs | 154.8495% | 1,568 |
| Earnings coverage of net charge-offs (x) | 22.8428% | 1,344 |
| Efficiency ratio | 57.1482% | 4,097 |
| Assets per employee ($millions) | 6.4757% | 1,358 |
| Cash dividends to net income (ytd only)* | 196.5909% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,362 |
| Loan loss allowance to noncurrent loans | 1,009.9644% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 4,265 |
| Noncurrent loans to loans | 0.1243% | 4,019 |
| Net loans and leases to total assets | 53.2429% | 4,044 |
| Net loans and leases to deposits | 61.8037% | 4,110 |
| Net loans and leases to core deposits | 64.4660% | 4,148 |
| Total domestic deposits to total assets | 86.1484% | 1,946 |
| Equity capital to assets | 12.3690% | 1,819 |
| Core capital (leverage) ratio | 11.2850% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,664,347,500 | 529 |
| Average earning assets | $1,576,277,500 | 517 |
| Average equity | $206,428,500 | 481 |
| Average total loans | $912,342,500 | 661 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 4,728 |
| Cost of funding earning assets | 0.4894% | 4,135 |
| Net interest margin | 3.1566% | 4,276 |
| Noninterest income to average assets | 1.0264% | 914 |
| Noninterest expense to average assets | 2.3063% | 3,931 |
| Loan and lease loss provision to assets | 0.0447% | 3,116 |
| Net operating income to assets | 1.4325% | 1,237 |
| Return on assets (ROA) | 1.4743% | 1,174 |
| Pretax return on assets | 1.7197% | 1,140 |
| Return on Equity (ROE) | 11.6150% | 1,650 |
| Retained earnings to average equity (ytd only) | 8.9554% | 721 |
| Net charge-offs to loans | 0.0848% | 1,906 |
| Credit loss provision to net charge-offs | 86.4634% | 2,703 |
| Earnings coverage of net charge-offs (x) | 33.2024% | 1,475 |
| Efficiency ratio | 56.5448% | 4,142 |
| Assets per employee ($millions) | 6.3519% | 1,384 |
| Cash dividends to net income (ytd only)* | 22.8981% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,344 |
| Loan loss allowance to noncurrent loans | 1,460.5744% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 4,404 |
| Noncurrent loans to loans | 0.0832% | 4,188 |
| Net loans and leases to total assets | 55.0504% | 3,994 |
| Net loans and leases to deposits | 63.8746% | 4,082 |
| Net loans and leases to core deposits | 66.5379% | 4,161 |
| Total domestic deposits to total assets | 86.1852% | 1,991 |
| Equity capital to assets | 12.4374% | 1,860 |
| Core capital (leverage) ratio | 11.6581% | 1,993 |
| Tier 1 risk-based capital ratio | 18.7404% | 1,576 |
| Total risk-based capital ratio | 19.8737% | 1,576 |
| Memoranda: | ||
| Average total assets | $1,586,809,200 | 528 |
| Average earning assets | $1,505,896,800 | 512 |
| Average equity | $201,421,200 | 472 |
| Average total loans | $967,254,200 | 593 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6583% | 4,827 |
| Cost of funding earning assets | 0.4768% | 4,233 |
| Net interest margin | 3.1815% | 4,343 |
| Noninterest income to average assets | 1.0115% | 915 |
| Noninterest expense to average assets | 2.3393% | 3,853 |
| Loan and lease loss provision to assets | 0.0543% | 2,829 |
| Net operating income to assets | 1.4190% | 1,413 |
| Return on assets (ROA) | 1.4761% | 1,312 |
| Pretax return on assets | 1.7049% | 1,326 |
| Return on Equity (ROE) | 11.5671% | 1,776 |
| Retained earnings to average equity (ytd only) | 8.0034% | 1,390 |
| Net charge-offs to loans | 0.0979% | 1,493 |
| Credit loss provision to net charge-offs | 89.0125% | 2,407 |
| Earnings coverage of net charge-offs (x) | 27.7497% | 1,702 |
| Efficiency ratio | 57.1807% | 4,045 |
| Assets per employee ($millions) | 6.2699% | 1,411 |
| Cash dividends to net income (ytd only)* | 30.8086% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 2,672 |
| Loan loss allowance to noncurrent loans | 4,488.0000% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,678 |
| Noncurrent loans to loans | 0.0260% | 4,560 |
| Net loans and leases to total assets | 57.4002% | 3,931 |
| Net loans and leases to deposits | 67.4674% | 3,959 |
| Net loans and leases to core deposits | 70.0356% | 4,053 |
| Total domestic deposits to total assets | 85.0783% | 2,396 |
| Equity capital to assets | 12.7969% | 1,735 |
| Core capital (leverage) ratio | 12.2231% | 1,719 |
| Tier 1 risk-based capital ratio | 19.1006% | 1,542 |
| Total risk-based capital ratio | 20.2361% | 1,545 |
| Memoranda: | ||
| Average total assets | $1,570,636,750 | 536 |
| Average earning assets | $1,491,622,750 | 518 |
| Average equity | $200,425,500 | 476 |
| Average total loans | $978,981,500 | 585 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6725% | 4,859 |
| Cost of funding earning assets | 0.4602% | 4,284 |
| Net interest margin | 3.2123% | 4,340 |
| Noninterest income to average assets | 0.9777% | 914 |
| Noninterest expense to average assets | 2.3811% | 3,787 |
| Loan and lease loss provision to assets | 0.0768% | 2,280 |
| Net operating income to assets | 1.3620% | 1,539 |
| Return on assets (ROA) | 1.4436% | 1,361 |
| Pretax return on assets | 1.6628% | 1,354 |
| Return on Equity (ROE) | 11.3240% | 1,857 |
| Retained earnings to average equity (ytd only) | 8.6001% | 1,166 |
| Net charge-offs to loans | 0.0650% | 1,725 |
| Credit loss provision to net charge-offs | 185.0000% | 1,290 |
| Earnings coverage of net charge-offs (x) | 39.6656% | 1,252 |
| Efficiency ratio | 58.3398% | 3,965 |
| Assets per employee ($millions) | 5.8957% | 1,616 |
| Cash dividends to net income (ytd only)* | 24.0546% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 2,693 |
| Loan loss allowance to noncurrent loans | 4,432.9502% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 4,708 |
| Noncurrent loans to loans | 0.0263% | 4,592 |
| Net loans and leases to total assets | 62.7893% | 3,471 |
| Net loans and leases to deposits | 73.5016% | 3,557 |
| Net loans and leases to core deposits | 75.7273% | 3,756 |
| Total domestic deposits to total assets | 85.4258% | 2,295 |
| Equity capital to assets | 13.2187% | 1,480 |
| Core capital (leverage) ratio | 12.3970% | 1,587 |
| Tier 1 risk-based capital ratio | 18.2518% | 1,740 |
| Total risk-based capital ratio | 19.3925% | 1,723 |
| Memoranda: | ||
| Average total assets | $1,542,428,330 | 543 |
| Average earning assets | $1,464,115,000 | 525 |
| Average equity | $196,626,670 | 479 |
| Average total loans | $984,861,000 | 585 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6393% | 4,921 |
| Cost of funding earning assets | 0.4250% | 4,377 |
| Net interest margin | 3.2143% | 4,362 |
| Noninterest income to average assets | 0.9616% | 896 |
| Noninterest expense to average assets | 2.3518% | 3,893 |
| Loan and lease loss provision to assets | 0.0658% | 2,349 |
| Net operating income to assets | 1.3316% | 1,593 |
| Return on assets (ROA) | 1.3463% | 1,574 |
| Pretax return on assets | 1.6097% | 1,446 |
| Return on Equity (ROE) | 10.7639% | 2,044 |
| Retained earnings to average equity (ytd only) | 5.1753% | 2,826 |
| Net charge-offs to loans | 0.0979% | 1,161 |
| Credit loss provision to net charge-offs | 105.0000% | 1,533 |
| Earnings coverage of net charge-offs (x) | 26.4667% | 1,404 |
| Efficiency ratio | 57.9352% | 4,086 |
| Assets per employee ($millions) | 6.5709% | 1,201 |
| Cash dividends to net income (ytd only)* | 51.9193% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,863 |
| Loan loss allowance to noncurrent loans | 5,571.9212% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 4,805 |
| Noncurrent loans to loans | 0.0206% | 4,689 |
| Net loans and leases to total assets | 63.0373% | 3,400 |
| Net loans and leases to deposits | 73.1956% | 3,516 |
| Net loans and leases to core deposits | 75.1931% | 3,718 |
| Total domestic deposits to total assets | 86.1216% | 2,218 |
| Equity capital to assets | 12.6835% | 1,635 |
| Core capital (leverage) ratio | 12.1311% | 1,697 |
| Tier 1 risk-based capital ratio | 17.8825% | 1,823 |
| Total risk-based capital ratio | 19.0125% | 1,824 |
| Memoranda: | ||
| Average total assets | $1,532,462,000 | 545 |
| Average earning assets | $1,453,241,500 | 529 |
| Average equity | $191,678,000 | 484 |
| Average total loans | $981,008,500 | 586 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 4,928 |
| Cost of funding earning assets | 0.3572% | 4,235 |
| Net interest margin | 3.1329% | 4,604 |
| Noninterest income to average assets | 0.9288% | 1,111 |
| Noninterest expense to average assets | 2.2109% | 4,311 |
| Loan and lease loss provision to assets | 0.0676% | 2,795 |
| Net operating income to assets | 1.4401% | 1,306 |
| Return on assets (ROA) | 1.4345% | 1,314 |
| Pretax return on assets | 1.6123% | 1,427 |
| Return on Equity (ROE) | 12.2349% | 1,636 |
| Retained earnings to average equity (ytd only) | 5.9956% | 2,195 |
| Net charge-offs to loans | 0.0392% | 2,620 |
| Credit loss provision to net charge-offs | 280.3279% | 1,082 |
| Earnings coverage of net charge-offs (x) | 69.9645% | 933 |
| Efficiency ratio | 55.8713% | 4,425 |
| Assets per employee ($millions) | 6.6121% | 1,164 |
| Cash dividends to net income (ytd only)* | 50.9960% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,792 |
| Loan loss allowance to noncurrent loans | 4,466.0079% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 4,807 |
| Noncurrent loans to loans | 0.0259% | 4,660 |
| Net loans and leases to total assets | 63.5214% | 3,403 |
| Net loans and leases to deposits | 73.4682% | 3,547 |
| Net loans and leases to core deposits | 75.4171% | 3,758 |
| Total domestic deposits to total assets | 86.4612% | 2,032 |
| Equity capital to assets | 12.3295% | 1,676 |
| Core capital (leverage) ratio | 11.9702% | 1,753 |
| Tier 1 risk-based capital ratio | 17.7064% | 1,848 |
| Total risk-based capital ratio | 18.8418% | 1,830 |
| Memoranda: | ||
| Average total assets | $1,518,808,400 | 535 |
| Average earning assets | $1,438,887,800 | 517 |
| Average equity | $178,081,400 | 496 |
| Average total loans | $934,378,800 | 592 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4321% | 5,002 |
| Cost of funding earning assets | 0.3471% | 4,198 |
| Net interest margin | 3.0850% | 4,729 |
| Noninterest income to average assets | 0.8970% | 1,212 |
| Noninterest expense to average assets | 2.1608% | 4,406 |
| Loan and lease loss provision to assets | 0.0252% | 3,509 |
| Net operating income to assets | 1.4377% | 1,368 |
| Return on assets (ROA) | 1.4519% | 1,321 |
| Pretax return on assets | 1.6510% | 1,415 |
| Return on Equity (ROE) | 12.5450% | 1,600 |
| Retained earnings to average equity (ytd only) | 4.1146% | 3,716 |
| Net charge-offs to loans | 0.0170% | 2,828 |
| Credit loss provision to net charge-offs | 243.2203% | 1,205 |
| Earnings coverage of net charge-offs (x) | 160.2028% | 513 |
| Efficiency ratio | 55.6572% | 4,429 |
| Assets per employee ($millions) | 6.3677% | 1,251 |
| Cash dividends to net income (ytd only)* | 67.2009% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,012 |
| Loan loss allowance to noncurrent loans | 2,993.6288% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 4,867 |
| Noncurrent loans to loans | 0.0378% | 4,727 |
| Net loans and leases to total assets | 62.2278% | 3,632 |
| Net loans and leases to deposits | 71.2995% | 3,825 |
| Net loans and leases to core deposits | 73.1992% | 3,999 |
| Total domestic deposits to total assets | 87.2766% | 1,609 |
| Equity capital to assets | 11.6157% | 2,165 |
| Core capital (leverage) ratio | 11.5654% | 2,122 |
| Tier 1 risk-based capital ratio | 17.5338% | 1,914 |
| Total risk-based capital ratio | 18.6482% | 1,915 |
| Memoranda: | ||
| Average total assets | $1,518,317,500 | 534 |
| Average earning assets | $1,438,993,750 | 517 |
| Average equity | $175,726,000 | 496 |
| Average total loans | $923,644,750 | 594 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3755% | 5,065 |
| Cost of funding earning assets | 0.3197% | 4,271 |
| Net interest margin | 3.0558% | 4,801 |
| Noninterest income to average assets | 0.9019% | 1,178 |
| Noninterest expense to average assets | 2.1683% | 4,445 |
| Loan and lease loss provision to assets | 0.0105% | 3,644 |
| Net operating income to assets | 1.4154% | 1,377 |
| Return on assets (ROA) | 1.4186% | 1,374 |
| Pretax return on assets | 1.6221% | 1,432 |
| Return on Equity (ROE) | 12.2718% | 1,630 |
| Retained earnings to average equity (ytd only) | 2.4302% | 4,291 |
| Net charge-offs to loans | 0.0037% | 3,048 |
| Credit loss provision to net charge-offs | 470.5882% | 735 |
| Earnings coverage of net charge-offs (x) | 727.8824% | 112 |
| Efficiency ratio | 56.2489% | 4,450 |
| Assets per employee ($millions) | 6.1697% | 1,355 |
| Cash dividends to net income (ytd only)* | 80.1967% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 3,044 |
| Loan loss allowance to noncurrent loans | 5,047.6415% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 4,966 |
| Noncurrent loans to loans | 0.0226% | 4,832 |
| Net loans and leases to total assets | 60.9652% | 3,714 |
| Net loans and leases to deposits | 70.1353% | 3,843 |
| Net loans and leases to core deposits | 71.9748% | 4,009 |
| Total domestic deposits to total assets | 86.9251% | 1,870 |
| Equity capital to assets | 11.5257% | 2,180 |
| Core capital (leverage) ratio | 11.4752% | 2,093 |
| Tier 1 risk-based capital ratio | 17.0196% | 2,090 |
| Total risk-based capital ratio | 18.1117% | 2,094 |
| Memoranda: | ||
| Average total assets | $1,519,250,330 | 533 |
| Average earning assets | $1,439,506,000 | 514 |
| Average equity | $175,622,000 | 493 |
| Average total loans | $913,566,000 | 602 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3295% | 5,101 |
| Cost of funding earning assets | 0.3096% | 4,268 |
| Net interest margin | 3.0199% | 4,848 |
| Noninterest income to average assets | 0.8744% | 1,220 |
| Noninterest expense to average assets | 2.1939% | 4,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3341% | 1,525 |
| Return on assets (ROA) | 1.3375% | 1,534 |
| Pretax return on assets | 1.5497% | 1,527 |
| Return on Equity (ROE) | 11.5528% | 1,743 |
| Retained earnings to average equity (ytd only) | -8.1316% | 5,313 |
| Net charge-offs to loans | -0.0529% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8409% | 4,365 |
| Assets per employee ($millions) | 6.0712% | 1,452 |
| Cash dividends to net income (ytd only)* | 170.3864% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 2,883 |
| Loan loss allowance to noncurrent loans | 7,031.3725% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 5,078 |
| Noncurrent loans to loans | 0.0169% | 4,918 |
| Net loans and leases to total assets | 58.9503% | 3,854 |
| Net loans and leases to deposits | 67.4633% | 3,986 |
| Net loans and leases to core deposits | 69.2678% | 4,125 |
| Total domestic deposits to total assets | 87.3812% | 1,961 |
| Equity capital to assets | 11.2507% | 2,346 |
| Core capital (leverage) ratio | 11.0383% | 2,404 |
| Tier 1 risk-based capital ratio | 17.0706% | 2,097 |
| Total risk-based capital ratio | 18.2112% | 2,080 |
| Memoranda: | ||
| Average total assets | $1,516,912,500 | 537 |
| Average earning assets | $1,439,254,500 | 521 |
| Average equity | $175,611,500 | 496 |
| Average total loans | $900,466,500 | 613 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2180% | 5,169 |
| Cost of funding earning assets | 0.3219% | 3,934 |
| Net interest margin | 2.8961% | 5,048 |
| Noninterest income to average assets | 0.7738% | 1,670 |
| Noninterest expense to average assets | 2.0294% | 4,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2030% | 1,513 |
| Return on assets (ROA) | 1.2264% | 1,460 |
| Pretax return on assets | 1.5277% | 1,532 |
| Return on Equity (ROE) | 10.6121% | 1,631 |
| Retained earnings to average equity (ytd only) | 8.0558% | 745 |
| Net charge-offs to loans | 0.0453% | 2,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 56.5101% | 994 |
| Efficiency ratio | 57.5117% | 4,586 |
| Assets per employee ($millions) | 6.3167% | 1,306 |
| Cash dividends to net income (ytd only)* | 24.0887% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,848 |
| Loan loss allowance to noncurrent loans | 12,516.4706% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,166 |
| Noncurrent loans to loans | 0.0095% | 5,002 |
| Net loans and leases to total assets | 58.3624% | 3,979 |
| Net loans and leases to deposits | 67.3195% | 4,076 |
| Net loans and leases to core deposits | 69.2011% | 4,226 |
| Total domestic deposits to total assets | 86.6946% | 2,151 |
| Equity capital to assets | 11.9035% | 1,907 |
| Core capital (leverage) ratio | 11.1481% | 2,198 |
| Tier 1 risk-based capital ratio | 17.7122% | 1,884 |
| Total risk-based capital ratio | 18.8580% | 1,866 |
| Memoranda: | ||
| Average total assets | $1,500,932,600 | 519 |
| Average earning assets | $1,427,321,400 | 497 |
| Average equity | $173,453,400 | 483 |
| Average total loans | $878,964,400 | 600 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1678% | 5,271 |
| Cost of funding earning assets | 0.3221% | 3,919 |
| Net interest margin | 2.8458% | 5,163 |
| Noninterest income to average assets | 0.7440% | 1,811 |
| Noninterest expense to average assets | 1.9778% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2098% | 1,653 |
| Return on assets (ROA) | 1.2419% | 1,566 |
| Pretax return on assets | 1.5130% | 1,728 |
| Return on Equity (ROE) | 10.8286% | 1,766 |
| Retained earnings to average equity (ytd only) | 7.3855% | 1,503 |
| Net charge-offs to loans | 0.0091% | 3,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 275.8265% | 333 |
| Efficiency ratio | 57.2873% | 4,586 |
| Assets per employee ($millions) | 6.5577% | 1,149 |
| Cash dividends to net income (ytd only)* | 31.7963% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,823 |
| Loan loss allowance to noncurrent loans | 3,721.0169% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 5,132 |
| Noncurrent loans to loans | 0.0327% | 4,975 |
| Net loans and leases to total assets | 57.8096% | 4,078 |
| Net loans and leases to deposits | 66.7044% | 4,202 |
| Net loans and leases to core deposits | 68.5700% | 4,329 |
| Total domestic deposits to total assets | 86.6654% | 2,011 |
| Equity capital to assets | 11.4849% | 2,392 |
| Core capital (leverage) ratio | 10.9651% | 2,487 |
| Tier 1 risk-based capital ratio | 17.3253% | 2,057 |
| Total risk-based capital ratio | 18.5059% | 2,031 |
| Memoranda: | ||
| Average total assets | $1,497,162,250 | 522 |
| Average earning assets | $1,424,538,250 | 500 |
| Average equity | $171,702,250 | 491 |
| Average total loans | $874,850,250 | 601 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1407% | 5,311 |
| Cost of funding earning assets | 0.3250% | 3,845 |
| Net interest margin | 2.8157% | 5,219 |
| Noninterest income to average assets | 0.8124% | 1,525 |
| Noninterest expense to average assets | 1.9468% | 5,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2506% | 1,436 |
| Return on assets (ROA) | 1.2923% | 1,341 |
| Pretax return on assets | 1.5963% | 1,360 |
| Return on Equity (ROE) | 11.2781% | 1,540 |
| Retained earnings to average equity (ytd only) | 8.7195% | 932 |
| Net charge-offs to loans | 0.0005% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5,727.5000% | 4 |
| Efficiency ratio | 55.7337% | 4,859 |
| Assets per employee ($millions) | 6.2543% | 1,284 |
| Cash dividends to net income (ytd only)* | 22.6860% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,589 |
| Loan loss allowance to noncurrent loans | 9,350.8475% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 5,244 |
| Noncurrent loans to loans | 0.0135% | 5,118 |
| Net loans and leases to total assets | 57.2895% | 4,095 |
| Net loans and leases to deposits | 65.9349% | 4,224 |
| Net loans and leases to core deposits | 67.8565% | 4,360 |
| Total domestic deposits to total assets | 86.8881% | 1,993 |
| Equity capital to assets | 11.6859% | 2,163 |
| Core capital (leverage) ratio | 11.1765% | 2,245 |
| Tier 1 risk-based capital ratio | 17.8704% | 1,897 |
| Total risk-based capital ratio | 19.0721% | 1,868 |
| Memoranda: | ||
| Average total assets | $1,483,039,000 | 526 |
| Average earning assets | $1,411,161,670 | 507 |
| Average equity | $169,940,330 | 495 |
| Average total loans | $865,850,000 | 610 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0929% | 5,374 |
| Cost of funding earning assets | 0.3285% | 3,763 |
| Net interest margin | 2.7645% | 5,313 |
| Noninterest income to average assets | 0.7845% | 1,609 |
| Noninterest expense to average assets | 2.0084% | 5,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1462% | 1,685 |
| Return on assets (ROA) | 1.1462% | 1,720 |
| Pretax return on assets | 1.4073% | 1,865 |
| Return on Equity (ROE) | 10.1049% | 1,922 |
| Retained earnings to average equity (ytd only) | 4.9041% | 2,942 |
| Net charge-offs to loans | 0.0158% | 2,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 152.5294% | 357 |
| Efficiency ratio | 58.7829% | 4,619 |
| Assets per employee ($millions) | 6.5565% | 1,157 |
| Cash dividends to net income (ytd only)* | 51.4678% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,644 |
| Loan loss allowance to noncurrent loans | 7,384.5638% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 5,283 |
| Noncurrent loans to loans | 0.0173% | 5,165 |
| Net loans and leases to total assets | 56.8782% | 4,082 |
| Net loans and leases to deposits | 64.9857% | 4,251 |
| Net loans and leases to core deposits | 66.8984% | 4,368 |
| Total domestic deposits to total assets | 87.5241% | 1,974 |
| Equity capital to assets | 11.2740% | 2,368 |
| Core capital (leverage) ratio | 10.9526% | 2,408 |
| Tier 1 risk-based capital ratio | 17.9744% | 1,885 |
| Total risk-based capital ratio | 19.2246% | 1,844 |
| Memoranda: | ||
| Average total assets | $1,474,043,500 | 528 |
| Average earning assets | $1,402,944,000 | 509 |
| Average equity | $167,206,000 | 499 |
| Average total loans | $863,291,500 | 618 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3376% | 5,102 |
| Cost of funding earning assets | 0.3315% | 3,727 |
| Net interest margin | 3.0062% | 4,947 |
| Noninterest income to average assets | 0.7949% | 1,760 |
| Noninterest expense to average assets | 2.0158% | 5,156 |
| Loan and lease loss provision to assets | -0.0518% | 5,596 |
| Net operating income to assets | 1.3434% | 1,109 |
| Return on assets (ROA) | 1.2361% | 1,478 |
| Pretax return on assets | 1.5573% | 1,412 |
| Return on Equity (ROE) | 10.7516% | 1,668 |
| Retained earnings to average equity (ytd only) | 8.2950% | 761 |
| Net charge-offs to loans | 0.0945% | 2,354 |
| Credit loss provision to net charge-offs | -89.9633% | 4,885 |
| Earnings coverage of net charge-offs (x) | 28.4786% | 1,468 |
| Efficiency ratio | 55.1096% | 5,139 |
| Assets per employee ($millions) | 6.4587% | 1,173 |
| Cash dividends to net income (ytd only)* | 22.8487% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,673 |
| Loan loss allowance to noncurrent loans | 6,608.9820% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 5,329 |
| Noncurrent loans to loans | 0.0193% | 5,202 |
| Net loans and leases to total assets | 58.7860% | 3,990 |
| Net loans and leases to deposits | 67.3181% | 4,143 |
| Net loans and leases to core deposits | 69.3210% | 4,302 |
| Total domestic deposits to total assets | 87.3257% | 1,973 |
| Equity capital to assets | 11.4147% | 2,235 |
| Core capital (leverage) ratio | 10.9179% | 2,424 |
| Tier 1 risk-based capital ratio | 17.6647% | 1,957 |
| Total risk-based capital ratio | 18.9149% | 1,921 |
| Memoranda: | ||
| Average total assets | $1,417,641,600 | 527 |
| Average earning assets | $1,349,723,800 | 511 |
| Average equity | $162,989,000 | 493 |
| Average total loans | $864,275,200 | 587 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3611% | 5,102 |
| Cost of funding earning assets | 0.3285% | 3,793 |
| Net interest margin | 3.0326% | 4,948 |
| Noninterest income to average assets | 0.8037% | 1,750 |
| Noninterest expense to average assets | 1.9837% | 5,238 |
| Loan and lease loss provision to assets | 0.0913% | 2,402 |
| Net operating income to assets | 1.2724% | 1,375 |
| Return on assets (ROA) | 1.3033% | 1,373 |
| Pretax return on assets | 1.6563% | 1,229 |
| Return on Equity (ROE) | 11.3153% | 1,550 |
| Retained earnings to average equity (ytd only) | 8.0253% | 1,156 |
| Net charge-offs to loans | 0.1202% | 1,751 |
| Credit loss provision to net charge-offs | 123.8768% | 2,045 |
| Earnings coverage of net charge-offs (x) | 23.1720% | 1,719 |
| Efficiency ratio | 53.7156% | 5,260 |
| Assets per employee ($millions) | 6.7362% | 985 |
| Cash dividends to net income (ytd only)* | 29.0756% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,982 |
| Loan loss allowance to noncurrent loans | 2,661.4583% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 5,335 |
| Noncurrent loans to loans | 0.0545% | 5,136 |
| Net loans and leases to total assets | 59.3964% | 3,953 |
| Net loans and leases to deposits | 68.4751% | 4,107 |
| Net loans and leases to core deposits | 70.6333% | 4,277 |
| Total domestic deposits to total assets | 86.7417% | 2,008 |
| Equity capital to assets | 11.4682% | 2,538 |
| Core capital (leverage) ratio | 10.9301% | 2,528 |
| Tier 1 risk-based capital ratio | 16.9232% | 2,249 |
| Total risk-based capital ratio | 18.1756% | 2,208 |
| Memoranda: | ||
| Average total assets | $1,408,749,750 | 532 |
| Average earning assets | $1,341,805,250 | 515 |
| Average equity | $162,266,500 | 497 |
| Average total loans | $864,013,750 | 579 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 5,069 |
| Cost of funding earning assets | 0.3266% | 3,830 |
| Net interest margin | 3.0785% | 4,889 |
| Noninterest income to average assets | 0.7752% | 1,825 |
| Noninterest expense to average assets | 1.9891% | 5,296 |
| Loan and lease loss provision to assets | 0.0970% | 2,211 |
| Net operating income to assets | 1.2761% | 1,345 |
| Return on assets (ROA) | 1.3231% | 1,304 |
| Pretax return on assets | 1.6796% | 1,146 |
| Return on Equity (ROE) | 11.4696% | 1,486 |
| Retained earnings to average equity (ytd only) | 9.0294% | 840 |
| Net charge-offs to loans | 0.1160% | 1,673 |
| Credit loss provision to net charge-offs | 135.5422% | 1,721 |
| Earnings coverage of net charge-offs (x) | 23.9819% | 1,568 |
| Efficiency ratio | 53.6582% | 5,339 |
| Assets per employee ($millions) | 6.3626% | 1,162 |
| Cash dividends to net income (ytd only)* | 21.2757% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 2,041 |
| Loan loss allowance to noncurrent loans | 2,163.7288% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 5,406 |
| Noncurrent loans to loans | 0.0674% | 5,182 |
| Net loans and leases to total assets | 61.6673% | 3,659 |
| Net loans and leases to deposits | 71.4376% | 3,838 |
| Net loans and leases to core deposits | 73.7323% | 4,004 |
| Total domestic deposits to total assets | 86.3233% | 2,250 |
| Equity capital to assets | 11.8819% | 2,210 |
| Core capital (leverage) ratio | 11.0330% | 2,401 |
| Tier 1 risk-based capital ratio | 16.4148% | 2,463 |
| Total risk-based capital ratio | 17.6669% | 2,403 |
| Memoranda: | ||
| Average total assets | $1,391,083,330 | 540 |
| Average earning assets | $1,324,400,670 | 523 |
| Average equity | $160,476,330 | 503 |
| Average total loans | $858,351,000 | 580 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4290% | 5,054 |
| Cost of funding earning assets | 0.3248% | 3,901 |
| Net interest margin | 3.1042% | 4,849 |
| Noninterest income to average assets | 0.7361% | 1,878 |
| Noninterest expense to average assets | 2.0047% | 5,322 |
| Loan and lease loss provision to assets | 0.0721% | 2,515 |
| Net operating income to assets | 1.2683% | 1,344 |
| Return on assets (ROA) | 1.3603% | 1,180 |
| Pretax return on assets | 1.7307% | 989 |
| Return on Equity (ROE) | 11.9730% | 1,320 |
| Retained earnings to average equity (ytd only) | 7.0020% | 1,883 |
| Net charge-offs to loans | 0.0998% | 1,529 |
| Credit loss provision to net charge-offs | 117.9245% | 1,455 |
| Earnings coverage of net charge-offs (x) | 27.5755% | 1,237 |
| Efficiency ratio | 54.2982% | 5,363 |
| Assets per employee ($millions) | 6.3264% | 1,202 |
| Cash dividends to net income (ytd only)* | 41.5182% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 2,059 |
| Loan loss allowance to noncurrent loans | 1,360.6681% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 5,335 |
| Noncurrent loans to loans | 0.1090% | 5,040 |
| Net loans and leases to total assets | 60.2358% | 3,738 |
| Net loans and leases to deposits | 69.1934% | 3,933 |
| Net loans and leases to core deposits | 71.3370% | 4,120 |
| Total domestic deposits to total assets | 87.0543% | 2,190 |
| Equity capital to assets | 11.4790% | 2,458 |
| Core capital (leverage) ratio | 10.7367% | 2,685 |
| Tier 1 risk-based capital ratio | 16.2661% | 2,567 |
| Total risk-based capital ratio | 17.5185% | 2,523 |
| Memoranda: | ||
| Average total assets | $1,386,739,000 | 541 |
| Average earning assets | $1,320,016,000 | 521 |
| Average equity | $157,554,500 | 506 |
| Average total loans | $849,542,500 | 585 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 5,037 |
| Cost of funding earning assets | 0.3594% | 3,593 |
| Net interest margin | 3.0946% | 4,911 |
| Noninterest income to average assets | 0.7627% | 1,922 |
| Noninterest expense to average assets | 2.0710% | 5,311 |
| Loan and lease loss provision to assets | 0.0893% | 2,514 |
| Net operating income to assets | 1.2348% | 1,433 |
| Return on assets (ROA) | 1.2474% | 1,449 |
| Pretax return on assets | 1.5581% | 1,381 |
| Return on Equity (ROE) | 11.2546% | 1,528 |
| Retained earnings to average equity (ytd only) | 8.7995% | 705 |
| Net charge-offs to loans | 0.0865% | 2,593 |
| Credit loss provision to net charge-offs | 170.9402% | 1,582 |
| Earnings coverage of net charge-offs (x) | 31.2350% | 1,410 |
| Efficiency ratio | 55.9215% | 5,351 |
| Assets per employee ($millions) | 6.0072% | 1,383 |
| Cash dividends to net income (ytd only)* | 21.8146% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 2,087 |
| Loan loss allowance to noncurrent loans | 1,954.8137% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 5,352 |
| Noncurrent loans to loans | 0.0759% | 5,198 |
| Net loans and leases to total assets | 60.4705% | 3,767 |
| Net loans and leases to deposits | 69.4042% | 3,985 |
| Net loans and leases to core deposits | 71.4936% | 4,177 |
| Total domestic deposits to total assets | 87.1280% | 2,062 |
| Equity capital to assets | 11.2432% | 2,598 |
| Core capital (leverage) ratio | 10.6876% | 2,720 |
| Tier 1 risk-based capital ratio | 16.0235% | 2,676 |
| Total risk-based capital ratio | 17.2758% | 2,618 |
| Memoranda: | ||
| Average total assets | $1,343,870,400 | 532 |
| Average earning assets | $1,276,687,600 | 513 |
| Average equity | $148,951,800 | 508 |
| Average total loans | $811,704,200 | 580 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4844% | 5,014 |
| Cost of funding earning assets | 0.3693% | 3,551 |
| Net interest margin | 3.1151% | 4,922 |
| Noninterest income to average assets | 0.7838% | 1,858 |
| Noninterest expense to average assets | 2.1033% | 5,266 |
| Loan and lease loss provision to assets | 0.0799% | 2,570 |
| Net operating income to assets | 1.2548% | 1,467 |
| Return on assets (ROA) | 1.2717% | 1,475 |
| Pretax return on assets | 1.5809% | 1,441 |
| Return on Equity (ROE) | 11.5166% | 1,519 |
| Retained earnings to average equity (ytd only) | 8.2077% | 1,161 |
| Net charge-offs to loans | 0.1312% | 1,824 |
| Credit loss provision to net charge-offs | 101.2658% | 2,238 |
| Earnings coverage of net charge-offs (x) | 20.7721% | 1,852 |
| Efficiency ratio | 56.1811% | 5,331 |
| Assets per employee ($millions) | 6.2832% | 1,186 |
| Cash dividends to net income (ytd only)* | 28.7319% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 2,382 |
| Loan loss allowance to noncurrent loans | 1,567.4870% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 5,265 |
| Noncurrent loans to loans | 0.0923% | 5,258 |
| Net loans and leases to total assets | 60.7657% | 3,765 |
| Net loans and leases to deposits | 69.7372% | 4,015 |
| Net loans and leases to core deposits | 71.8790% | 4,199 |
| Total domestic deposits to total assets | 87.1353% | 1,964 |
| Equity capital to assets | 11.2602% | 2,742 |
| Core capital (leverage) ratio | 10.4490% | 3,103 |
| Tier 1 risk-based capital ratio | 15.8045% | 2,893 |
| Total risk-based capital ratio | 17.0564% | 2,829 |
| Memoranda: | ||
| Average total assets | $1,334,422,250 | 536 |
| Average earning assets | $1,267,594,250 | 519 |
| Average equity | $147,354,000 | 517 |
| Average total loans | $802,608,500 | 590 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5035% | 4,968 |
| Cost of funding earning assets | 0.3791% | 3,508 |
| Net interest margin | 3.1244% | 4,901 |
| Noninterest income to average assets | 0.8446% | 1,623 |
| Noninterest expense to average assets | 2.0851% | 5,374 |
| Loan and lease loss provision to assets | 0.1206% | 1,835 |
| Net operating income to assets | 1.2602% | 1,426 |
| Return on assets (ROA) | 1.2855% | 1,424 |
| Pretax return on assets | 1.6362% | 1,234 |
| Return on Equity (ROE) | 11.7198% | 1,465 |
| Retained earnings to average equity (ytd only) | 9.2090% | 857 |
| Net charge-offs to loans | 0.0468% | 2,765 |
| Credit loss provision to net charge-offs | 432.4324% | 700 |
| Earnings coverage of net charge-offs (x) | 61.8541% | 828 |
| Efficiency ratio | 54.7159% | 5,526 |
| Assets per employee ($millions) | 6.1719% | 1,234 |
| Cash dividends to net income (ytd only)* | 21.4235% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 2,135 |
| Loan loss allowance to noncurrent loans | 1,691.8775% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 5,188 |
| Noncurrent loans to loans | 0.0908% | 5,382 |
| Net loans and leases to total assets | 61.6867% | 3,599 |
| Net loans and leases to deposits | 70.6657% | 3,855 |
| Net loans and leases to core deposits | 72.8429% | 4,053 |
| Total domestic deposits to total assets | 87.2936% | 2,013 |
| Equity capital to assets | 11.2475% | 2,621 |
| Core capital (leverage) ratio | 10.4130% | 3,070 |
| Tier 1 risk-based capital ratio | 15.5737% | 3,060 |
| Total risk-based capital ratio | 16.8266% | 3,005 |
| Memoranda: | ||
| Average total assets | $1,326,837,330 | 536 |
| Average earning assets | $1,259,309,000 | 518 |
| Average equity | $145,531,670 | 525 |
| Average total loans | $791,211,670 | 591 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5271% | 4,893 |
| Cost of funding earning assets | 0.3933% | 3,375 |
| Net interest margin | 3.1338% | 4,840 |
| Noninterest income to average assets | 0.7980% | 1,714 |
| Noninterest expense to average assets | 2.0243% | 5,536 |
| Loan and lease loss provision to assets | 0.1805% | 1,065 |
| Net operating income to assets | 1.2124% | 1,509 |
| Return on assets (ROA) | 1.2654% | 1,449 |
| Pretax return on assets | 1.6363% | 1,179 |
| Return on Equity (ROE) | 11.6845% | 1,431 |
| Retained earnings to average equity (ytd only) | 6.6102% | 2,184 |
| Net charge-offs to loans | 0.0719% | 2,001 |
| Credit loss provision to net charge-offs | 431.6547% | 616 |
| Earnings coverage of net charge-offs (x) | 41.8058% | 949 |
| Efficiency ratio | 53.6480% | 5,704 |
| Assets per employee ($millions) | 6.0964% | 1,336 |
| Cash dividends to net income (ytd only)* | 43.4276% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 2,106 |
| Loan loss allowance to noncurrent loans | 2,898.8453% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 5,369 |
| Noncurrent loans to loans | 0.0547% | 5,557 |
| Net loans and leases to total assets | 58.4003% | 3,888 |
| Net loans and leases to deposits | 66.9510% | 4,054 |
| Net loans and leases to core deposits | 68.9728% | 4,243 |
| Total domestic deposits to total assets | 87.2284% | 2,251 |
| Equity capital to assets | 10.9332% | 3,049 |
| Core capital (leverage) ratio | 10.0398% | 3,548 |
| Tier 1 risk-based capital ratio | 15.2383% | 3,298 |
| Total risk-based capital ratio | 16.4911% | 3,224 |
| Memoranda: | ||
| Average total assets | $1,329,863,000 | 532 |
| Average earning assets | $1,262,095,500 | 511 |
| Average equity | $144,020,000 | 529 |
| Average total loans | $773,090,000 | 600 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5744% | 5,154 |
| Cost of funding earning assets | 0.4948% | 2,714 |
| Net interest margin | 3.0796% | 5,254 |
| Noninterest income to average assets | 0.7412% | 2,117 |
| Noninterest expense to average assets | 2.0385% | 5,700 |
| Loan and lease loss provision to assets | 0.1413% | 1,877 |
| Net operating income to assets | 1.1588% | 1,727 |
| Return on assets (ROA) | 1.2067% | 1,622 |
| Pretax return on assets | 1.5422% | 1,406 |
| Return on Equity (ROE) | 11.8055% | 1,465 |
| Retained earnings to average equity (ytd only) | 9.4154% | 620 |
| Net charge-offs to loans | 0.1357% | 2,662 |
| Credit loss provision to net charge-offs | 186.4919% | 1,315 |
| Earnings coverage of net charge-offs (x) | 21.4052% | 1,678 |
| Efficiency ratio | 55.6513% | 5,702 |
| Assets per employee ($millions) | 5.9134% | 1,439 |
| Cash dividends to net income (ytd only)* | 20.2456% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 2,075 |
| Loan loss allowance to noncurrent loans | 1,889.2188% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 5,328 |
| Noncurrent loans to loans | 0.0849% | 5,545 |
| Net loans and leases to total assets | 56.0033% | 4,332 |
| Net loans and leases to deposits | 63.9885% | 4,527 |
| Net loans and leases to core deposits | 66.0264% | 4,668 |
| Total domestic deposits to total assets | 87.5209% | 2,022 |
| Equity capital to assets | 10.7254% | 3,207 |
| Core capital (leverage) ratio | 9.9496% | 3,643 |
| Tier 1 risk-based capital ratio | 16.0705% | 2,932 |
| Total risk-based capital ratio | 17.3240% | 2,866 |
| Memoranda: | ||
| Average total assets | $1,309,018,200 | 519 |
| Average earning assets | $1,240,898,400 | 503 |
| Average equity | $133,802,000 | 540 |
| Average total loans | $731,099,000 | 593 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5896% | 5,166 |
| Cost of funding earning assets | 0.5091% | 2,672 |
| Net interest margin | 3.0805% | 5,310 |
| Noninterest income to average assets | 0.7439% | 2,121 |
| Noninterest expense to average assets | 2.0350% | 5,709 |
| Loan and lease loss provision to assets | 0.1686% | 1,464 |
| Net operating income to assets | 1.1529% | 1,854 |
| Return on assets (ROA) | 1.2135% | 1,698 |
| Pretax return on assets | 1.5377% | 1,518 |
| Return on Equity (ROE) | 12.0228% | 1,471 |
| Retained earnings to average equity (ytd only) | 8.7861% | 1,064 |
| Net charge-offs to loans | 0.1590% | 2,215 |
| Credit loss provision to net charge-offs | 190.7514% | 1,320 |
| Earnings coverage of net charge-offs (x) | 18.4405% | 1,839 |
| Efficiency ratio | 55.4905% | 5,706 |
| Assets per employee ($millions) | 6.0485% | 1,300 |
| Cash dividends to net income (ytd only)* | 26.9214% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 2,223 |
| Loan loss allowance to noncurrent loans | 526.4126% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 5,489 |
| Noncurrent loans to loans | 0.3083% | 4,986 |
| Net loans and leases to total assets | 55.2403% | 4,432 |
| Net loans and leases to deposits | 62.8514% | 4,660 |
| Net loans and leases to core deposits | 64.8451% | 4,808 |
| Total domestic deposits to total assets | 87.8904% | 1,820 |
| Equity capital to assets | 10.3921% | 3,688 |
| Core capital (leverage) ratio | 9.6245% | 4,200 |
| Tier 1 risk-based capital ratio | 16.0240% | 3,045 |
| Total risk-based capital ratio | 17.2778% | 2,998 |
| Memoranda: | ||
| Average total assets | $1,305,121,750 | 519 |
| Average earning assets | $1,237,406,500 | 504 |
| Average equity | $131,735,250 | 553 |
| Average total loans | $725,395,500 | 596 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6044% | 5,139 |
| Cost of funding earning assets | 0.5188% | 2,648 |
| Net interest margin | 3.0856% | 5,298 |
| Noninterest income to average assets | 0.7339% | 2,121 |
| Noninterest expense to average assets | 2.0467% | 5,732 |
| Loan and lease loss provision to assets | 0.2153% | 1,092 |
| Net operating income to assets | 1.0955% | 1,965 |
| Return on assets (ROA) | 1.1565% | 1,808 |
| Pretax return on assets | 1.4733% | 1,628 |
| Return on Equity (ROE) | 11.5734% | 1,554 |
| Retained earnings to average equity (ytd only) | 9.1467% | 940 |
| Net charge-offs to loans | 0.2190% | 1,720 |
| Credit loss provision to net charge-offs | 177.4398% | 1,288 |
| Earnings coverage of net charge-offs (x) | 13.2725% | 1,985 |
| Efficiency ratio | 55.9162% | 5,755 |
| Assets per employee ($millions) | 6.2740% | 1,125 |
| Cash dividends to net income (ytd only)* | 20.9680% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 2,383 |
| Loan loss allowance to noncurrent loans | 474.5192% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 5,543 |
| Noncurrent loans to loans | 0.3421% | 4,986 |
| Net loans and leases to total assets | 55.0032% | 4,407 |
| Net loans and leases to deposits | 62.5083% | 4,638 |
| Net loans and leases to core deposits | 64.5590% | 4,765 |
| Total domestic deposits to total assets | 87.9935% | 1,902 |
| Equity capital to assets | 10.3314% | 3,649 |
| Core capital (leverage) ratio | 9.6117% | 4,158 |
| Tier 1 risk-based capital ratio | 15.8420% | 3,177 |
| Total risk-based capital ratio | 17.0958% | 3,111 |
| Memoranda: | ||
| Average total assets | $1,300,635,670 | 525 |
| Average earning assets | $1,232,113,330 | 506 |
| Average equity | $129,971,000 | 559 |
| Average total loans | $720,392,000 | 601 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 5,176 |
| Cost of funding earning assets | 0.5283% | 2,623 |
| Net interest margin | 3.0683% | 5,345 |
| Noninterest income to average assets | 0.6959% | 2,195 |
| Noninterest expense to average assets | 1.9247% | 6,024 |
| Loan and lease loss provision to assets | 0.3050% | 631 |
| Net operating income to assets | 1.0909% | 1,848 |
| Return on assets (ROA) | 1.0714% | 1,992 |
| Pretax return on assets | 1.3505% | 1,912 |
| Return on Equity (ROE) | 10.9076% | 1,718 |
| Retained earnings to average equity (ytd only) | 5.9618% | 2,567 |
| Net charge-offs to loans | 0.2688% | 1,267 |
| Credit loss provision to net charge-offs | 205.8212% | 1,014 |
| Earnings coverage of net charge-offs (x) | 11.3389% | 1,786 |
| Efficiency ratio | 53.3413% | 6,067 |
| Assets per employee ($millions) | 6.2554% | 1,149 |
| Cash dividends to net income (ytd only)* | 45.3422% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 2,574 |
| Loan loss allowance to noncurrent loans | 271.3658% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 5,147 |
| Noncurrent loans to loans | 0.6013% | 4,352 |
| Net loans and leases to total assets | 53.8838% | 4,434 |
| Net loans and leases to deposits | 61.2844% | 4,627 |
| Net loans and leases to core deposits | 63.2743% | 4,754 |
| Total domestic deposits to total assets | 87.9242% | 2,274 |
| Equity capital to assets | 9.8332% | 4,058 |
| Core capital (leverage) ratio | 9.2972% | 4,582 |
| Tier 1 risk-based capital ratio | 15.5218% | 3,425 |
| Total risk-based capital ratio | 16.7758% | 3,391 |
| Memoranda: | ||
| Average total assets | $1,298,455,500 | 528 |
| Average earning assets | $1,231,036,500 | 507 |
| Average equity | $127,544,500 | 567 |
| Average total loans | $715,771,000 | 607 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 5,765 |
| Cost of funding earning assets | 0.6313% | 2,373 |
| Net interest margin | 2.8038% | 5,973 |
| Noninterest income to average assets | 0.8436% | 1,889 |
| Noninterest expense to average assets | 1.9554% | 6,100 |
| Loan and lease loss provision to assets | 0.1227% | 2,774 |
| Net operating income to assets | 1.1271% | 1,845 |
| Return on assets (ROA) | 1.1299% | 1,898 |
| Pretax return on assets | 1.4283% | 1,690 |
| Return on Equity (ROE) | 11.6177% | 1,549 |
| Retained earnings to average equity (ytd only) | 9.1085% | 752 |
| Net charge-offs to loans | 0.2596% | 2,410 |
| Credit loss provision to net charge-offs | 87.0913% | 2,842 |
| Earnings coverage of net charge-offs (x) | 10.9837% | 2,292 |
| Efficiency ratio | 55.7246% | 5,980 |
| Assets per employee ($millions) | 5.9966% | 1,274 |
| Cash dividends to net income (ytd only)* | 21.5983% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 2,850 |
| Loan loss allowance to noncurrent loans | 563.6227% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 5,825 |
| Noncurrent loans to loans | 0.2799% | 5,339 |
| Net loans and leases to total assets | 54.6048% | 4,518 |
| Net loans and leases to deposits | 61.5813% | 4,767 |
| Net loans and leases to core deposits | 63.5606% | 4,909 |
| Total domestic deposits to total assets | 88.6710% | 1,816 |
| Equity capital to assets | 9.8121% | 4,022 |
| Core capital (leverage) ratio | 9.2205% | 4,690 |
| Tier 1 risk-based capital ratio | 15.4582% | 3,399 |
| Total risk-based capital ratio | 16.7116% | 3,347 |
| Memoranda: | ||
| Average total assets | $1,259,202,600 | 522 |
| Average earning assets | $1,194,253,400 | 501 |
| Average equity | $122,468,600 | 576 |
| Average total loans | $683,258,000 | 613 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3276% | 6,009 |
| Cost of funding earning assets | 0.6488% | 2,368 |
| Net interest margin | 2.6787% | 6,210 |
| Noninterest income to average assets | 0.8781% | 1,829 |
| Noninterest expense to average assets | 1.9352% | 6,130 |
| Loan and lease loss provision to assets | 0.1277% | 2,696 |
| Net operating income to assets | 1.0844% | 2,070 |
| Return on assets (ROA) | 1.0913% | 2,116 |
| Pretax return on assets | 1.3652% | 2,058 |
| Return on Equity (ROE) | 11.2458% | 1,730 |
| Retained earnings to average equity (ytd only) | 7.8766% | 1,465 |
| Net charge-offs to loans | 0.0611% | 4,031 |
| Credit loss provision to net charge-offs | 387.0968% | 688 |
| Earnings coverage of net charge-offs (x) | 45.0036% | 930 |
| Efficiency ratio | 56.4717% | 5,852 |
| Assets per employee ($millions) | 5.9780% | 1,257 |
| Cash dividends to net income (ytd only)* | 29.9600% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 2,514 |
| Loan loss allowance to noncurrent loans | 355.8629% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 5,567 |
| Noncurrent loans to loans | 0.4866% | 4,983 |
| Net loans and leases to total assets | 55.0554% | 4,449 |
| Net loans and leases to deposits | 62.2213% | 4,730 |
| Net loans and leases to core deposits | 64.3991% | 4,860 |
| Total domestic deposits to total assets | 88.4833% | 1,845 |
| Equity capital to assets | 9.7556% | 4,238 |
| Core capital (leverage) ratio | 9.0588% | 5,030 |
| Tier 1 risk-based capital ratio | 14.9602% | 3,774 |
| Total risk-based capital ratio | 16.2155% | 3,722 |
| Memoranda: | ||
| Average total assets | $1,253,183,750 | 524 |
| Average earning assets | $1,188,949,250 | 506 |
| Average equity | $121,606,500 | 589 |
| Average total loans | $676,081,500 | 622 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3314% | 6,035 |
| Cost of funding earning assets | 0.6601% | 2,402 |
| Net interest margin | 2.6714% | 6,228 |
| Noninterest income to average assets | 0.8857% | 1,869 |
| Noninterest expense to average assets | 1.9349% | 6,164 |
| Loan and lease loss provision to assets | 0.1925% | 1,973 |
| Net operating income to assets | 1.0422% | 2,143 |
| Return on assets (ROA) | 1.0526% | 2,227 |
| Pretax return on assets | 1.3083% | 2,270 |
| Return on Equity (ROE) | 10.8667% | 1,856 |
| Retained earnings to average equity (ytd only) | 8.3223% | 1,357 |
| Net charge-offs to loans | 0.0784% | 3,595 |
| Credit loss provision to net charge-offs | 461.5385% | 591 |
| Earnings coverage of net charge-offs (x) | 35.6654% | 1,016 |
| Efficiency ratio | 56.5301% | 5,898 |
| Assets per employee ($millions) | 5.8192% | 1,338 |
| Cash dividends to net income (ytd only)* | 23.4146% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7867% | 2,477 |
| Loan loss allowance to noncurrent loans | 305.3176% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 5,277 |
| Noncurrent loans to loans | 0.5852% | 4,794 |
| Net loans and leases to total assets | 55.2613% | 4,407 |
| Net loans and leases to deposits | 62.2963% | 4,695 |
| Net loans and leases to core deposits | 64.5028% | 4,841 |
| Total domestic deposits to total assets | 88.7073% | 1,774 |
| Equity capital to assets | 9.6493% | 4,391 |
| Core capital (leverage) ratio | 9.0002% | 4,989 |
| Tier 1 risk-based capital ratio | 14.9889% | 3,784 |
| Total risk-based capital ratio | 16.2448% | 3,746 |
| Memoranda: | ||
| Average total assets | $1,246,474,670 | 526 |
| Average earning assets | $1,183,819,670 | 503 |
| Average equity | $120,735,670 | 594 |
| Average total loans | $663,649,000 | 631 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2748% | 6,198 |
| Cost of funding earning assets | 0.6652% | 2,523 |
| Net interest margin | 2.6096% | 6,359 |
| Noninterest income to average assets | 0.9026% | 1,752 |
| Noninterest expense to average assets | 1.8418% | 6,380 |
| Loan and lease loss provision to assets | 0.3831% | 826 |
| Net operating income to assets | 0.9543% | 2,425 |
| Return on assets (ROA) | 0.9543% | 2,561 |
| Pretax return on assets | 1.1624% | 2,717 |
| Return on Equity (ROE) | 9.8336% | 2,126 |
| Retained earnings to average equity (ytd only) | 4.7803% | 3,370 |
| Net charge-offs to loans | 0.3128% | 1,712 |
| Credit loss provision to net charge-offs | 236.6864% | 964 |
| Earnings coverage of net charge-offs (x) | 9.5483% | 1,821 |
| Efficiency ratio | 54.3732% | 6,199 |
| Assets per employee ($millions) | 5.6576% | 1,529 |
| Cash dividends to net income (ytd only)* | 51.3884% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8280% | 2,518 |
| Loan loss allowance to noncurrent loans | 515.0424% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 5,913 |
| Noncurrent loans to loans | 0.3549% | 5,508 |
| Net loans and leases to total assets | 51.5101% | 4,766 |
| Net loans and leases to deposits | 58.5489% | 4,966 |
| Net loans and leases to core deposits | 60.5368% | 5,089 |
| Total domestic deposits to total assets | 87.9780% | 2,327 |
| Equity capital to assets | 9.6285% | 4,669 |
| Core capital (leverage) ratio | 8.6716% | 5,362 |
| Tier 1 risk-based capital ratio | 14.7320% | 4,008 |
| Total risk-based capital ratio | 15.9878% | 3,976 |
| Memoranda: | ||
| Average total assets | $1,252,878,000 | 528 |
| Average earning assets | $1,192,981,500 | 503 |
| Average equity | $121,583,500 | 599 |
| Average total loans | $648,402,000 | 646 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6365% | 6,158 |
| Cost of funding earning assets | 0.8291% | 2,431 |
| Net interest margin | 2.8074% | 6,379 |
| Noninterest income to average assets | 0.8385% | 2,090 |
| Noninterest expense to average assets | 1.9481% | 6,423 |
| Loan and lease loss provision to assets | 0.1997% | 3,140 |
| Net operating income to assets | 1.0961% | 1,946 |
| Return on assets (ROA) | 1.1132% | 2,070 |
| Pretax return on assets | 1.3890% | 2,080 |
| Return on Equity (ROE) | 11.6272% | 1,615 |
| Retained earnings to average equity (ytd only) | 8.9598% | 838 |
| Net charge-offs to loans | 0.5089% | 2,208 |
| Credit loss provision to net charge-offs | 77.7202% | 3,906 |
| Earnings coverage of net charge-offs (x) | 6.1001% | 2,874 |
| Efficiency ratio | 55.4143% | 6,127 |
| Assets per employee ($millions) | 5.8694% | 1,379 |
| Cash dividends to net income (ytd only)* | 22.9406% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 2,547 |
| Loan loss allowance to noncurrent loans | 345.8660% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 5,689 |
| Noncurrent loans to loans | 0.5245% | 5,221 |
| Net loans and leases to total assets | 50.0946% | 5,156 |
| Net loans and leases to deposits | 56.5362% | 5,387 |
| Net loans and leases to core deposits | 58.4948% | 5,497 |
| Total domestic deposits to total assets | 88.6062% | 1,837 |
| Equity capital to assets | 9.7819% | 4,479 |
| Core capital (leverage) ratio | 8.7583% | 5,248 |
| Tier 1 risk-based capital ratio | 15.0690% | 3,684 |
| Total risk-based capital ratio | 16.3245% | 3,630 |
| Memoranda: | ||
| Average total assets | $1,201,810,600 | 546 |
| Average earning assets | $1,145,978,400 | 518 |
| Average equity | $115,057,800 | 625 |
| Average total loans | $606,759,400 | 685 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 6,135 |
| Cost of funding earning assets | 0.8642% | 2,435 |
| Net interest margin | 2.8836% | 6,390 |
| Noninterest income to average assets | 0.8505% | 2,031 |
| Noninterest expense to average assets | 1.9253% | 6,479 |
| Loan and lease loss provision to assets | 0.2292% | 2,765 |
| Net operating income to assets | 1.1268% | 2,001 |
| Return on assets (ROA) | 1.1425% | 2,134 |
| Pretax return on assets | 1.4645% | 2,022 |
| Return on Equity (ROE) | 12.0017% | 1,640 |
| Retained earnings to average equity (ytd only) | 8.3977% | 1,444 |
| Net charge-offs to loans | 0.4927% | 2,137 |
| Credit loss provision to net charge-offs | 92.3840% | 3,223 |
| Earnings coverage of net charge-offs (x) | 6.7463% | 2,723 |
| Efficiency ratio | 53.4978% | 6,303 |
| Assets per employee ($millions) | 5.7644% | 1,406 |
| Cash dividends to net income (ytd only)* | 30.0294% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 2,293 |
| Loan loss allowance to noncurrent loans | 409.1872% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 5,970 |
| Noncurrent loans to loans | 0.4788% | 5,494 |
| Net loans and leases to total assets | 49.2962% | 5,404 |
| Net loans and leases to deposits | 55.6116% | 5,668 |
| Net loans and leases to core deposits | 57.5128% | 5,766 |
| Total domestic deposits to total assets | 88.6438% | 1,629 |
| Equity capital to assets | 9.7558% | 4,841 |
| Core capital (leverage) ratio | 8.5430% | 5,694 |
| Tier 1 risk-based capital ratio | 14.8317% | 3,957 |
| Total risk-based capital ratio | 16.0884% | 3,912 |
| Memoranda: | ||
| Average total assets | $1,192,650,750 | 552 |
| Average earning assets | $1,136,716,750 | 528 |
| Average equity | $113,536,250 | 633 |
| Average total loans | $600,484,750 | 682 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 6,089 |
| Cost of funding earning assets | 0.9060% | 2,349 |
| Net interest margin | 2.9165% | 6,401 |
| Noninterest income to average assets | 0.8204% | 2,094 |
| Noninterest expense to average assets | 1.9001% | 6,594 |
| Loan and lease loss provision to assets | 0.3039% | 2,164 |
| Net operating income to assets | 1.1175% | 1,988 |
| Return on assets (ROA) | 1.1391% | 2,135 |
| Pretax return on assets | 1.4212% | 2,127 |
| Return on Equity (ROE) | 12.0685% | 1,646 |
| Retained earnings to average equity (ytd only) | 9.3250% | 1,166 |
| Net charge-offs to loans | 0.5509% | 1,940 |
| Credit loss provision to net charge-offs | 109.4891% | 2,489 |
| Earnings coverage of net charge-offs (x) | 6.1186% | 2,693 |
| Efficiency ratio | 52.8079% | 6,438 |
| Assets per employee ($millions) | 5.4922% | 1,627 |
| Cash dividends to net income (ytd only)* | 22.7327% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 2,222 |
| Loan loss allowance to noncurrent loans | 392.6611% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 5,988 |
| Noncurrent loans to loans | 0.5098% | 5,512 |
| Net loans and leases to total assets | 50.5538% | 5,290 |
| Net loans and leases to deposits | 56.8515% | 5,571 |
| Net loans and leases to core deposits | 58.7938% | 5,711 |
| Total domestic deposits to total assets | 88.9226% | 1,556 |
| Equity capital to assets | 9.6559% | 4,817 |
| Core capital (leverage) ratio | 8.5259% | 5,618 |
| Tier 1 risk-based capital ratio | 14.6368% | 4,010 |
| Total risk-based capital ratio | 15.8942% | 3,967 |
| Memoranda: | ||
| Average total assets | $1,184,770,330 | 563 |
| Average earning assets | $1,128,417,670 | 533 |
| Average equity | $111,828,670 | 637 |
| Average total loans | $596,790,670 | 690 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 5,912 |
| Cost of funding earning assets | 0.9792% | 2,108 |
| Net interest margin | 2.9661% | 6,365 |
| Noninterest income to average assets | 0.7436% | 2,431 |
| Noninterest expense to average assets | 1.8557% | 6,725 |
| Loan and lease loss provision to assets | 0.3725% | 1,693 |
| Net operating income to assets | 1.0910% | 2,135 |
| Return on assets (ROA) | 1.0998% | 2,274 |
| Pretax return on assets | 1.3491% | 2,364 |
| Return on Equity (ROE) | 11.7891% | 1,742 |
| Retained earnings to average equity (ytd only) | 6.2212% | 2,832 |
| Net charge-offs to loans | 0.6438% | 1,518 |
| Credit loss provision to net charge-offs | 116.2791% | 2,030 |
| Earnings coverage of net charge-offs (x) | 5.3404% | 2,394 |
| Efficiency ratio | 52.0319% | 6,539 |
| Assets per employee ($millions) | 5.5702% | 1,638 |
| Cash dividends to net income (ytd only)* | 47.2291% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0906% | 2,127 |
| Loan loss allowance to noncurrent loans | 294.2837% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 5,424 |
| Noncurrent loans to loans | 0.7104% | 5,242 |
| Net loans and leases to total assets | 48.5686% | 5,479 |
| Net loans and leases to deposits | 54.3930% | 5,769 |
| Net loans and leases to core deposits | 56.3623% | 5,876 |
| Total domestic deposits to total assets | 89.2921% | 1,485 |
| Equity capital to assets | 9.2877% | 5,107 |
| Core capital (leverage) ratio | 8.2607% | 5,940 |
| Tier 1 risk-based capital ratio | 14.4381% | 4,158 |
| Total risk-based capital ratio | 15.6961% | 4,113 |
| Memoranda: | ||
| Average total assets | $1,181,255,000 | 561 |
| Average earning assets | $1,124,164,000 | 533 |
| Average equity | $110,203,500 | 641 |
| Average total loans | $587,782,500 | 702 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 5,779 |
| Cost of funding earning assets | 1.2484% | 1,746 |
| Net interest margin | 3.0465% | 6,454 |
| Noninterest income to average assets | 0.7896% | 2,123 |
| Noninterest expense to average assets | 2.1152% | 6,462 |
| Loan and lease loss provision to assets | 0.7620% | 1,315 |
| Net operating income to assets | 0.6674% | 3,646 |
| Return on assets (ROA) | 1.0784% | 2,033 |
| Pretax return on assets | 1.3019% | 2,124 |
| Return on Equity (ROE) | 11.8446% | 1,451 |
| Retained earnings to average equity (ytd only) | 8.8969% | 839 |
| Net charge-offs to loans | 1.7384% | 865 |
| Credit loss provision to net charge-offs | 85.9259% | 4,204 |
| Earnings coverage of net charge-offs (x) | 1.7688% | 4,453 |
| Efficiency ratio | 57.4183% | 6,127 |
| Assets per employee ($millions) | 5.6002% | 1,538 |
| Cash dividends to net income (ytd only)* | 24.8863% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0698% | 2,085 |
| Loan loss allowance to noncurrent loans | 208.4406% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 5,446 |
| Noncurrent loans to loans | 0.9930% | 4,719 |
| Net loans and leases to total assets | 48.8809% | 5,731 |
| Net loans and leases to deposits | 55.1305% | 5,967 |
| Net loans and leases to core deposits | 57.0154% | 6,075 |
| Total domestic deposits to total assets | 88.6639% | 1,741 |
| Equity capital to assets | 9.3714% | 5,059 |
| Core capital (leverage) ratio | 8.1995% | 5,999 |
| Tier 1 risk-based capital ratio | 14.2278% | 4,160 |
| Total risk-based capital ratio | 15.4855% | 4,114 |
| Memoranda: | ||
| Average total assets | $1,141,663,000 | 569 |
| Average earning assets | $1,084,630,800 | 542 |
| Average equity | $103,946,400 | 661 |
| Average total loans | $582,441,000 | 724 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 5,664 |
| Cost of funding earning assets | 1.2833% | 1,793 |
| Net interest margin | 3.0989% | 6,383 |
| Noninterest income to average assets | 0.7797% | 2,144 |
| Noninterest expense to average assets | 2.1028% | 6,502 |
| Loan and lease loss provision to assets | 0.7649% | 1,234 |
| Net operating income to assets | 0.7024% | 3,608 |
| Return on assets (ROA) | 1.1532% | 1,922 |
| Pretax return on assets | 1.4048% | 1,929 |
| Return on Equity (ROE) | 12.7626% | 1,342 |
| Retained earnings to average equity (ytd only) | 8.7723% | 1,227 |
| Net charge-offs to loans | 1.8113% | 734 |
| Credit loss provision to net charge-offs | 82.3097% | 4,064 |
| Earnings coverage of net charge-offs (x) | 1.7432% | 4,345 |
| Efficiency ratio | 56.4863% | 6,213 |
| Assets per employee ($millions) | 5.5808% | 1,524 |
| Cash dividends to net income (ytd only)* | 31.2653% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0649% | 2,160 |
| Loan loss allowance to noncurrent loans | 138.5438% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7959% | 5,179 |
| Noncurrent loans to loans | 1.4905% | 4,061 |
| Net loans and leases to total assets | 49.2820% | 5,801 |
| Net loans and leases to deposits | 55.9976% | 6,033 |
| Net loans and leases to core deposits | 57.9346% | 6,134 |
| Total domestic deposits to total assets | 88.0074% | 2,031 |
| Equity capital to assets | 9.2013% | 5,513 |
| Core capital (leverage) ratio | 8.1534% | 6,199 |
| Tier 1 risk-based capital ratio | 13.6964% | 4,577 |
| Total risk-based capital ratio | 14.9535% | 4,538 |
| Memoranda: | ||
| Average total assets | $1,133,066,500 | 585 |
| Average earning assets | $1,076,038,250 | 553 |
| Average equity | $102,380,000 | 675 |
| Average total loans | $581,298,000 | 734 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4371% | 5,563 |
| Cost of funding earning assets | 1.3079% | 1,890 |
| Net interest margin | 3.1291% | 6,339 |
| Noninterest income to average assets | 0.7996% | 2,016 |
| Noninterest expense to average assets | 2.1659% | 6,470 |
| Loan and lease loss provision to assets | 0.8749% | 1,025 |
| Net operating income to assets | 0.6107% | 4,006 |
| Return on assets (ROA) | 1.0742% | 2,051 |
| Pretax return on assets | 1.2845% | 2,184 |
| Return on Equity (ROE) | 11.9648% | 1,503 |
| Retained earnings to average equity (ytd only) | 8.9179% | 1,138 |
| Net charge-offs to loans | 2.3130% | 545 |
| Credit loss provision to net charge-offs | 73.2436% | 3,972 |
| Earnings coverage of net charge-offs (x) | 1.3459% | 4,278 |
| Efficiency ratio | 57.3957% | 6,244 |
| Assets per employee ($millions) | 5.3908% | 1,665 |
| Cash dividends to net income (ytd only)* | 25.4654% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0339% | 2,274 |
| Loan loss allowance to noncurrent loans | 110.8029% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 4,888 |
| Noncurrent loans to loans | 1.8356% | 3,701 |
| Net loans and leases to total assets | 49.6703% | 5,867 |
| Net loans and leases to deposits | 56.1880% | 6,118 |
| Net loans and leases to core deposits | 58.1195% | 6,263 |
| Total domestic deposits to total assets | 88.4002% | 1,917 |
| Equity capital to assets | 9.1552% | 5,350 |
| Core capital (leverage) ratio | 8.0835% | 6,190 |
| Tier 1 risk-based capital ratio | 13.6034% | 4,451 |
| Total risk-based capital ratio | 14.8602% | 4,428 |
| Memoranda: | ||
| Average total assets | $1,120,098,670 | 601 |
| Average earning assets | $1,064,571,670 | 564 |
| Average equity | $100,561,330 | 686 |
| Average total loans | $578,481,330 | 747 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 5,347 |
| Cost of funding earning assets | 1.3514% | 1,879 |
| Net interest margin | 3.1448% | 6,232 |
| Noninterest income to average assets | 0.8435% | 1,875 |
| Noninterest expense to average assets | 2.2476% | 6,308 |
| Loan and lease loss provision to assets | 0.7216% | 1,176 |
| Net operating income to assets | 0.7145% | 3,456 |
| Return on assets (ROA) | 1.0852% | 1,935 |
| Pretax return on assets | 1.3089% | 2,016 |
| Return on Equity (ROE) | 12.2119% | 1,403 |
| Retained earnings to average equity (ytd only) | 5.9923% | 2,642 |
| Net charge-offs to loans | 1.9315% | 664 |
| Credit loss provision to net charge-offs | 71.6589% | 3,323 |
| Earnings coverage of net charge-offs (x) | 1.5729% | 3,536 |
| Efficiency ratio | 58.6629% | 6,178 |
| Assets per employee ($millions) | 5.2705% | 1,800 |
| Cash dividends to net income (ytd only)* | 50.9309% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2193% | 1,914 |
| Loan loss allowance to noncurrent loans | 129.7605% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.9684% | 4,968 |
| Noncurrent loans to loans | 1.7103% | 3,927 |
| Net loans and leases to total assets | 50.1719% | 5,827 |
| Net loans and leases to deposits | 56.0366% | 6,118 |
| Net loans and leases to core deposits | 57.9421% | 6,257 |
| Total domestic deposits to total assets | 89.5341% | 1,463 |
| Equity capital to assets | 8.8841% | 5,374 |
| Core capital (leverage) ratio | 7.8765% | 6,390 |
| Tier 1 risk-based capital ratio | 13.0989% | 4,750 |
| Total risk-based capital ratio | 14.3575% | 4,715 |
| Memoranda: | ||
| Average total assets | $1,108,723,000 | 608 |
| Average earning assets | $1,053,408,000 | 575 |
| Average equity | $98,527,000 | 691 |
| Average total loans | $578,001,000 | 755 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5903% | 6,142 |
| Cost of funding earning assets | 1.6080% | 2,027 |
| Net interest margin | 2.9824% | 6,761 |
| Noninterest income to average assets | 0.8458% | 2,078 |
| Noninterest expense to average assets | 2.1687% | 6,697 |
| Loan and lease loss provision to assets | 0.5546% | 2,913 |
| Net operating income to assets | 0.8152% | 2,732 |
| Return on assets (ROA) | 0.9126% | 2,471 |
| Pretax return on assets | 1.0559% | 2,751 |
| Return on Equity (ROE) | 10.5769% | 1,729 |
| Retained earnings to average equity (ytd only) | 7.2612% | 1,220 |
| Net charge-offs to loans | 1.0244% | 2,147 |
| Credit loss provision to net charge-offs | 106.4250% | 4,197 |
| Earnings coverage of net charge-offs (x) | 2.8731% | 3,634 |
| Efficiency ratio | 58.7862% | 6,234 |
| Assets per employee ($millions) | 5.1160% | 1,990 |
| Cash dividends to net income (ytd only)* | 31.3486% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3406% | 1,631 |
| Loan loss allowance to noncurrent loans | 196.5682% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.7036% | 5,594 |
| Noncurrent loans to loans | 1.1907% | 4,726 |
| Net loans and leases to total assets | 51.7346% | 5,950 |
| Net loans and leases to deposits | 58.0222% | 6,252 |
| Net loans and leases to core deposits | 60.1087% | 6,384 |
| Total domestic deposits to total assets | 89.1634% | 1,556 |
| Equity capital to assets | 8.8890% | 5,304 |
| Core capital (leverage) ratio | 7.8592% | 6,372 |
| Tier 1 risk-based capital ratio | 13.3843% | 4,300 |
| Total risk-based capital ratio | 14.6453% | 4,251 |
| Memoranda: | ||
| Average total assets | $1,069,275,000 | 627 |
| Average earning assets | $1,011,080,600 | 596 |
| Average equity | $92,257,600 | 724 |
| Average total loans | $543,948,400 | 832 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 6,316 |
| Cost of funding earning assets | 1.6555% | 2,071 |
| Net interest margin | 2.9519% | 6,923 |
| Noninterest income to average assets | 0.8243% | 2,106 |
| Noninterest expense to average assets | 2.1391% | 6,759 |
| Loan and lease loss provision to assets | 0.4817% | 3,063 |
| Net operating income to assets | 0.8722% | 2,722 |
| Return on assets (ROA) | 0.8945% | 2,786 |
| Pretax return on assets | 1.0166% | 3,124 |
| Return on Equity (ROE) | 10.4490% | 1,962 |
| Retained earnings to average equity (ytd only) | 5.9667% | 2,375 |
| Net charge-offs to loans | 1.0234% | 1,971 |
| Credit loss provision to net charge-offs | 93.5217% | 4,639 |
| Earnings coverage of net charge-offs (x) | 2.8597% | 3,703 |
| Efficiency ratio | 58.8401% | 6,136 |
| Assets per employee ($millions) | 5.1372% | 2,012 |
| Cash dividends to net income (ytd only)* | 42.8972% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2452% | 1,708 |
| Loan loss allowance to noncurrent loans | 185.9974% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7959% | 5,505 |
| Noncurrent loans to loans | 1.2071% | 4,831 |
| Net loans and leases to total assets | 51.2926% | 6,189 |
| Net loans and leases to deposits | 57.5107% | 6,508 |
| Net loans and leases to core deposits | 59.4399% | 6,643 |
| Total domestic deposits to total assets | 89.1879% | 1,291 |
| Equity capital to assets | 8.7141% | 5,989 |
| Core capital (leverage) ratio | 7.6874% | 6,684 |
| Tier 1 risk-based capital ratio | 12.9612% | 4,607 |
| Total risk-based capital ratio | 14.2209% | 4,577 |
| Memoranda: | ||
| Average total assets | $1,062,888,500 | 625 |
| Average earning assets | $1,003,812,500 | 594 |
| Average equity | $90,992,250 | 729 |
| Average total loans | $534,941,500 | 847 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 6,481 |
| Cost of funding earning assets | 1.7160% | 2,038 |
| Net interest margin | 2.8754% | 7,039 |
| Noninterest income to average assets | 0.8208% | 2,015 |
| Noninterest expense to average assets | 2.1303% | 6,816 |
| Loan and lease loss provision to assets | 0.4302% | 3,171 |
| Net operating income to assets | 0.8499% | 2,731 |
| Return on assets (ROA) | 0.8613% | 2,829 |
| Pretax return on assets | 0.9858% | 3,171 |
| Return on Equity (ROE) | 10.1242% | 2,063 |
| Retained earnings to average equity (ytd only) | 6.7032% | 1,972 |
| Net charge-offs to loans | 1.1920% | 1,593 |
| Credit loss provision to net charge-offs | 72.7858% | 4,900 |
| Earnings coverage of net charge-offs (x) | 2.3736% | 3,808 |
| Efficiency ratio | 59.9020% | 6,064 |
| Assets per employee ($millions) | 5.0869% | 2,069 |
| Cash dividends to net income (ytd only)* | 33.7901% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3723% | 1,470 |
| Loan loss allowance to noncurrent loans | 153.4988% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 5,374 |
| Noncurrent loans to loans | 1.5455% | 4,391 |
| Net loans and leases to total assets | 47.6617% | 6,645 |
| Net loans and leases to deposits | 53.0601% | 6,922 |
| Net loans and leases to core deposits | 54.8834% | 6,998 |
| Total domestic deposits to total assets | 89.8259% | 1,004 |
| Equity capital to assets | 8.6844% | 5,907 |
| Core capital (leverage) ratio | 7.8204% | 6,474 |
| Tier 1 risk-based capital ratio | 12.9876% | 4,454 |
| Total risk-based capital ratio | 14.2466% | 4,404 |
| Memoranda: | ||
| Average total assets | $1,050,730,670 | 634 |
| Average earning assets | $991,170,330 | 604 |
| Average equity | $89,390,000 | 728 |
| Average total loans | $520,974,670 | 874 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 6,298 |
| Cost of funding earning assets | 1.8208% | 1,796 |
| Net interest margin | 2.8640% | 7,079 |
| Noninterest income to average assets | 0.8054% | 1,994 |
| Noninterest expense to average assets | 2.0968% | 6,951 |
| Loan and lease loss provision to assets | 0.4607% | 2,665 |
| Net operating income to assets | 0.8601% | 2,706 |
| Return on assets (ROA) | 0.8618% | 2,789 |
| Pretax return on assets | 0.9478% | 3,272 |
| Return on Equity (ROE) | 10.2395% | 2,025 |
| Retained earnings to average equity (ytd only) | 3.2657% | 4,185 |
| Net charge-offs to loans | 1.1892% | 1,432 |
| Credit loss provision to net charge-offs | 77.5194% | 3,944 |
| Earnings coverage of net charge-offs (x) | 2.3669% | 3,357 |
| Efficiency ratio | 59.4455% | 6,269 |
| Assets per employee ($millions) | 5.0876% | 2,111 |
| Cash dividends to net income (ytd only)* | 68.1069% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4817% | 1,319 |
| Loan loss allowance to noncurrent loans | 116.0833% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2409% | 4,696 |
| Noncurrent loans to loans | 2.1379% | 3,602 |
| Net loans and leases to total assets | 47.7865% | 6,696 |
| Net loans and leases to deposits | 53.5831% | 6,942 |
| Net loans and leases to core deposits | 55.3822% | 7,024 |
| Total domestic deposits to total assets | 89.1821% | 1,424 |
| Equity capital to assets | 8.3140% | 6,281 |
| Core capital (leverage) ratio | 7.6672% | 6,662 |
| Tier 1 risk-based capital ratio | 12.4546% | 4,787 |
| Total risk-based capital ratio | 13.7144% | 4,734 |
| Memoranda: | ||
| Average total assets | $1,041,969,000 | 654 |
| Average earning assets | $981,555,500 | 621 |
| Average equity | $87,699,500 | 755 |
| Average total loans | $520,702,000 | 899 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6906% | 3,148 |
| Cost of funding earning assets | 2.0734% | 2,606 |
| Net interest margin | 3.6173% | 4,488 |
| Noninterest income to average assets | 0.9518% | 1,743 |
| Noninterest expense to average assets | 2.2412% | 6,894 |
| Loan and lease loss provision to assets | 1.2541% | 1,844 |
| Net operating income to assets | 0.6952% | 2,951 |
| Return on assets (ROA) | 0.7475% | 2,824 |
| Pretax return on assets | 0.8502% | 3,086 |
| Return on Equity (ROE) | 9.0510% | 2,008 |
| Retained earnings to average equity (ytd only) | 3.7126% | 2,596 |
| Net charge-offs to loans | 1.8869% | 1,317 |
| Credit loss provision to net charge-offs | 125.4138% | 4,166 |
| Earnings coverage of net charge-offs (x) | 2.0450% | 4,193 |
| Efficiency ratio | 51.9571% | 7,389 |
| Assets per employee ($millions) | 4.9313% | 2,303 |
| Cash dividends to net income (ytd only)* | 58.9814% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5279% | 1,192 |
| Loan loss allowance to noncurrent loans | 86.9539% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.6795% | 3,848 |
| Noncurrent loans to loans | 2.9072% | 2,653 |
| Net loans and leases to total assets | 49.6853% | 6,674 |
| Net loans and leases to deposits | 55.1584% | 6,975 |
| Net loans and leases to core deposits | 64.4459% | 7,063 |
| Total domestic deposits to total assets | 90.0775% | 923 |
| Equity capital to assets | 8.5227% | 5,845 |
| Core capital (leverage) ratio | 7.5482% | 6,744 |
| Tier 1 risk-based capital ratio | 12.4519% | 4,557 |
| Total risk-based capital ratio | 13.7080% | 4,503 |
| Memoranda: | ||
| Average total assets | $1,027,015,800 | 653 |
| Average earning assets | $946,680,400 | 640 |
| Average equity | $84,819,600 | 755 |
| Average total loans | $544,272,200 | 879 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9607% | 2,192 |
| Cost of funding earning assets | 2.1122% | 2,838 |
| Net interest margin | 3.8485% | 3,438 |
| Noninterest income to average assets | 0.9915% | 1,637 |
| Noninterest expense to average assets | 2.2775% | 6,761 |
| Loan and lease loss provision to assets | 0.9708% | 1,980 |
| Net operating income to assets | 0.9757% | 2,145 |
| Return on assets (ROA) | 1.0776% | 1,856 |
| Pretax return on assets | 1.4049% | 1,680 |
| Return on Equity (ROE) | 13.1524% | 1,083 |
| Retained earnings to average equity (ytd only) | 5.9798% | 1,959 |
| Net charge-offs to loans | 0.9948% | 1,982 |
| Credit loss provision to net charge-offs | 182.3945% | 2,503 |
| Earnings coverage of net charge-offs (x) | 4.2151% | 3,212 |
| Efficiency ratio | 50.0617% | 7,549 |
| Assets per employee ($millions) | 5.0641% | 2,066 |
| Cash dividends to net income (ytd only)* | 54.5345% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5889% | 975 |
| Loan loss allowance to noncurrent loans | 74.6119% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.8503% | 3,585 |
| Noncurrent loans to loans | 3.4698% | 2,155 |
| Net loans and leases to total assets | 49.9602% | 6,784 |
| Net loans and leases to deposits | 55.6020% | 7,119 |
| Net loans and leases to core deposits | 64.2706% | 7,237 |
| Total domestic deposits to total assets | 89.8532% | 826 |
| Equity capital to assets | 8.5717% | 6,151 |
| Core capital (leverage) ratio | 7.5334% | 6,935 |
| Tier 1 risk-based capital ratio | 11.7396% | 5,212 |
| Total risk-based capital ratio | 12.9887% | 5,154 |
| Memoranda: | ||
| Average total assets | $1,027,341,500 | 665 |
| Average earning assets | $942,165,250 | 655 |
| Average equity | $84,170,000 | 773 |
| Average total loans | $549,628,750 | 888 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9640% | 2,329 |
| Cost of funding earning assets | 2.1422% | 3,076 |
| Net interest margin | 3.8218% | 3,447 |
| Noninterest income to average assets | 1.0681% | 1,392 |
| Noninterest expense to average assets | 2.3128% | 6,726 |
| Loan and lease loss provision to assets | 0.7893% | 2,116 |
| Net operating income to assets | 1.1833% | 1,525 |
| Return on assets (ROA) | 1.1866% | 1,599 |
| Pretax return on assets | 1.5330% | 1,367 |
| Return on Equity (ROE) | 14.7181% | 874 |
| Retained earnings to average equity (ytd only) | 7.4126% | 1,431 |
| Net charge-offs to loans | 1.1560% | 1,575 |
| Credit loss provision to net charge-offs | 125.8216% | 3,693 |
| Earnings coverage of net charge-offs (x) | 3.6951% | 3,334 |
| Efficiency ratio | 49.6354% | 7,691 |
| Assets per employee ($millions) | 4.9578% | 2,130 |
| Cash dividends to net income (ytd only)* | 49.6360% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0729% | 1,436 |
| Loan loss allowance to noncurrent loans | 98.3482% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 4,680 |
| Noncurrent loans to loans | 2.1077% | 3,367 |
| Net loans and leases to total assets | 52.1223% | 6,670 |
| Net loans and leases to deposits | 57.7343% | 7,045 |
| Net loans and leases to core deposits | 66.1044% | 7,211 |
| Total domestic deposits to total assets | 90.2797% | 716 |
| Equity capital to assets | 8.1730% | 6,530 |
| Core capital (leverage) ratio | 7.5622% | 6,945 |
| Tier 1 risk-based capital ratio | 10.9748% | 5,894 |
| Total risk-based capital ratio | 12.2257% | 5,833 |
| Memoranda: | ||
| Average total assets | $1,018,677,670 | 684 |
| Average earning assets | $949,599,000 | 661 |
| Average equity | $82,130,330 | 799 |
| Average total loans | $552,760,670 | 907 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0501% | 2,150 |
| Cost of funding earning assets | 2.2551% | 2,902 |
| Net interest margin | 3.7951% | 3,462 |
| Noninterest income to average assets | 1.0508% | 1,345 |
| Noninterest expense to average assets | 2.2354% | 6,736 |
| Loan and lease loss provision to assets | 0.7604% | 1,692 |
| Net operating income to assets | 1.2171% | 1,612 |
| Return on assets (ROA) | 1.2171% | 1,716 |
| Pretax return on assets | 1.5989% | 1,410 |
| Return on Equity (ROE) | 15.2030% | 939 |
| Retained earnings to average equity (ytd only) | 0.3612% | 5,513 |
| Net charge-offs to loans | 0.2320% | 3,249 |
| Credit loss provision to net charge-offs | 598.1308% | 958 |
| Earnings coverage of net charge-offs (x) | 18.5576% | 1,461 |
| Efficiency ratio | 48.3320% | 7,710 |
| Assets per employee ($millions) | 4.7837% | 2,316 |
| Cash dividends to net income (ytd only)* | 97.6245% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1971% | 1,085 |
| Loan loss allowance to noncurrent loans | 154.6042% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.8096% | 5,154 |
| Noncurrent loans to loans | 1.4211% | 4,178 |
| Net loans and leases to total assets | 53.3264% | 6,549 |
| Net loans and leases to deposits | 58.8937% | 6,983 |
| Net loans and leases to core deposits | 67.5061% | 7,165 |
| Total domestic deposits to total assets | 90.5468% | 571 |
| Equity capital to assets | 7.8535% | 7,002 |
| Core capital (leverage) ratio | 7.1747% | 7,506 |
| Tier 1 risk-based capital ratio | 10.3440% | 6,550 |
| Total risk-based capital ratio | 11.6002% | 6,458 |
| Memoranda: | ||
| Average total assets | $1,009,929,500 | 683 |
| Average earning assets | $943,118,500 | 666 |
| Average equity | $80,852,500 | 814 |
| Average total loans | $553,386,000 | 910 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4341% | 3,259 |
| Cost of funding earning assets | 2.6791% | 3,260 |
| Net interest margin | 3.7549% | 4,207 |
| Noninterest income to average assets | 0.7576% | 2,738 |
| Noninterest expense to average assets | 2.2245% | 6,912 |
| Loan and lease loss provision to assets | 0.3534% | 3,568 |
| Net operating income to assets | 1.2991% | 1,486 |
| Return on assets (ROA) | 1.2991% | 1,437 |
| Pretax return on assets | 1.7042% | 1,135 |
| Return on Equity (ROE) | 15.3186% | 881 |
| Retained earnings to average equity (ytd only) | 8.3831% | 737 |
| Net charge-offs to loans | 0.2369% | 3,878 |
| Credit loss provision to net charge-offs | 258.7549% | 1,790 |
| Earnings coverage of net charge-offs (x) | 15.0661% | 1,970 |
| Efficiency ratio | 51.5860% | 7,534 |
| Assets per employee ($millions) | 4.7438% | 2,256 |
| Cash dividends to net income (ytd only)* | 45.2753% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9243% | 1,371 |
| Loan loss allowance to noncurrent loans | 743.3076% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 6,618 |
| Noncurrent loans to loans | 0.2589% | 6,605 |
| Net loans and leases to total assets | 54.0099% | 6,651 |
| Net loans and leases to deposits | 59.9483% | 7,091 |
| Net loans and leases to core deposits | 67.8235% | 7,300 |
| Total domestic deposits to total assets | 90.0941% | 612 |
| Equity capital to assets | 8.1608% | 6,613 |
| Core capital (leverage) ratio | 7.6443% | 7,014 |
| Tier 1 risk-based capital ratio | 10.7858% | 5,930 |
| Total risk-based capital ratio | 12.0399% | 5,828 |
| Memoranda: | ||
| Average total assets | $940,897,800 | 706 |
| Average earning assets | $883,155,600 | 683 |
| Average equity | $79,791,800 | 838 |
| Average total loans | $542,464,600 | 880 |