Home > Charter Bank > Performance and Condition Ratios
Charter Bank, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 1,276 |
| Cost of funding earning assets | 0.3245% | 1,485 |
| Net interest margin | 3.4935% | 1,333 |
| Noninterest income to average assets | 0.2887% | 3,443 |
| Noninterest expense to average assets | 1.6498% | 4,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8723% | 286 |
| Return on assets (ROA) | 1.7857% | 345 |
| Pretax return on assets | 1.7878% | 619 |
| Return on Equity (ROE) | 17.5080% | 521 |
| Retained earnings to average equity (ytd only) | -28.3471% | 4,745 |
| Net charge-offs to loans | -0.0055% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8126% | 4,407 |
| Assets per employee ($millions) | 11.2389% | 462 |
| Cash dividends to net income (ytd only)* | 261.9095% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 3,475 |
| Loan loss allowance to noncurrent loans | 193.7104% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 1,448 |
| Noncurrent loans to loans | 0.5311% | 1,561 |
| Net loans and leases to total assets | 72.5644% | 1,049 |
| Net loans and leases to deposits | 93.7067% | 531 |
| Net loans and leases to core deposits | 94.6268% | 889 |
| Total domestic deposits to total assets | 77.4377% | 4,386 |
| Equity capital to assets | 9.0833% | 2,334 |
| Core capital (leverage) ratio | 10.0837% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9477% | 2,519 |
| Memoranda: | ||
| Average total assets | $1,133,236,667 | 889 |
| Average earning assets | $1,049,540,000 | 887 |
| Average equity | $115,581,667 | 863 |
| Average total loans | $798,299,333 | 807 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 1,984 |
| Cost of funding earning assets | 0.3080% | 1,574 |
| Net interest margin | 3.1290% | 2,086 |
| Noninterest income to average assets | 0.2858% | 3,417 |
| Noninterest expense to average assets | 1.6109% | 4,278 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5561% | 565 |
| Return on assets (ROA) | 1.5561% | 559 |
| Pretax return on assets | 1.5604% | 899 |
| Return on Equity (ROE) | 14.4641% | 740 |
| Retained earnings to average equity (ytd only) | -72.5503% | 4,786 |
| Net charge-offs to loans | -0.0102% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7965% | 4,273 |
| Assets per employee ($millions) | 11.1724% | 484 |
| Cash dividends to net income (ytd only)* | 601.5891% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,453 |
| Loan loss allowance to noncurrent loans | 190.4762% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 1,509 |
| Noncurrent loans to loans | 0.5625% | 1,631 |
| Net loans and leases to total assets | 70.0444% | 1,021 |
| Net loans and leases to deposits | 88.3443% | 603 |
| Net loans and leases to core deposits | 89.2427% | 953 |
| Total domestic deposits to total assets | 79.2857% | 4,334 |
| Equity capital to assets | 9.2691% | 2,473 |
| Core capital (leverage) ratio | 9.7392% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6936% | 2,720 |
| Memoranda: | ||
| Average total assets | $1,132,292,000 | 894 |
| Average earning assets | $1,044,171,000 | 894 |
| Average equity | $121,819,000 | 845 |
| Average total loans | $781,319,500 | 810 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5173% | 2,608 |
| Cost of funding earning assets | 0.4836% | 997 |
| Net interest margin | 3.0337% | 3,097 |
| Noninterest income to average assets | 0.3503% | 3,337 |
| Noninterest expense to average assets | 1.7261% | 4,261 |
| Loan and lease loss provision to assets | -0.1314% | 4,599 |
| Net operating income to assets | 1.5817% | 855 |
| Return on assets (ROA) | 1.5649% | 914 |
| Pretax return on assets | 1.5659% | 1,521 |
| Return on Equity (ROE) | 13.2528% | 1,384 |
| Retained earnings to average equity (ytd only) | 6.5760% | 2,093 |
| Net charge-offs to loans | 0.0018% | 2,590 |
| Credit loss provision to net charge-offs | -11,538.4615% | 4,237 |
| Earnings coverage of net charge-offs (x) | 1,274.4615% | 115 |
| Efficiency ratio | 54.3242% | 3,897 |
| Assets per employee ($millions) | 10.8206% | 533 |
| Cash dividends to net income (ytd only)* | 50.3807% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,284 |
| Loan loss allowance to noncurrent loans | 206.9801% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 1,775 |
| Noncurrent loans to loans | 0.5403% | 1,774 |
| Net loans and leases to total assets | 66.4644% | 1,422 |
| Net loans and leases to deposits | 85.5303% | 823 |
| Net loans and leases to core deposits | 87.1649% | 1,126 |
| Total domestic deposits to total assets | 77.7086% | 4,423 |
| Equity capital to assets | 12.2380% | 1,157 |
| Core capital (leverage) ratio | 11.3001% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6660% | 1,626 |
| Memoranda: | ||
| Average total assets | $1,141,572,400 | 865 |
| Average earning assets | $1,063,858,000 | 858 |
| Average equity | $134,794,200 | 775 |
| Average total loans | $734,618,000 | 844 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 2,816 |
| Cost of funding earning assets | 0.5024% | 1,032 |
| Net interest margin | 3.0049% | 3,290 |
| Noninterest income to average assets | 0.3643% | 3,277 |
| Noninterest expense to average assets | 1.5756% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5962% | 1,044 |
| Return on assets (ROA) | 1.5738% | 1,137 |
| Pretax return on assets | 1.5752% | 1,778 |
| Return on Equity (ROE) | 13.4505% | 1,558 |
| Retained earnings to average equity (ytd only) | 6.7207% | 2,532 |
| Net charge-offs to loans | 0.0048% | 2,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 526.7308% | 287 |
| Efficiency ratio | 49.6526% | 4,252 |
| Assets per employee ($millions) | 11.2573% | 448 |
| Cash dividends to net income (ytd only)* | 50.0334% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 2,166 |
| Loan loss allowance to noncurrent loans | 241.3237% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 2,026 |
| Noncurrent loans to loans | 0.5649% | 1,903 |
| Net loans and leases to total assets | 61.3730% | 2,094 |
| Net loans and leases to deposits | 81.7005% | 1,135 |
| Net loans and leases to core deposits | 83.3643% | 1,466 |
| Total domestic deposits to total assets | 75.1195% | 4,596 |
| Equity capital to assets | 11.6055% | 1,600 |
| Core capital (leverage) ratio | 11.3117% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4691% | 1,498 |
| Memoranda: | ||
| Average total assets | $1,142,923,500 | 876 |
| Average earning assets | $1,068,375,750 | 864 |
| Average equity | $133,731,750 | 792 |
| Average total loans | $727,350,750 | 867 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5219% | 2,828 |
| Cost of funding earning assets | 0.5205% | 1,087 |
| Net interest margin | 3.0015% | 3,319 |
| Noninterest income to average assets | 0.3689% | 3,266 |
| Noninterest expense to average assets | 1.5603% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6157% | 1,021 |
| Return on assets (ROA) | 1.6221% | 1,058 |
| Pretax return on assets | 1.6242% | 1,672 |
| Return on Equity (ROE) | 13.8238% | 1,468 |
| Retained earnings to average equity (ytd only) | 7.0356% | 2,419 |
| Net charge-offs to loans | -0.0166% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0950% | 4,311 |
| Assets per employee ($millions) | 10.8509% | 483 |
| Cash dividends to net income (ytd only)* | 49.1052% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 2,113 |
| Loan loss allowance to noncurrent loans | 229.4238% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 2,041 |
| Noncurrent loans to loans | 0.5963% | 1,913 |
| Net loans and leases to total assets | 64.6052% | 1,879 |
| Net loans and leases to deposits | 87.2273% | 831 |
| Net loans and leases to core deposits | 91.0346% | 1,063 |
| Total domestic deposits to total assets | 74.0653% | 4,648 |
| Equity capital to assets | 12.0281% | 1,347 |
| Core capital (leverage) ratio | 11.2168% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7998% | 1,389 |
| Memoranda: | ||
| Average total assets | $1,129,892,333 | 876 |
| Average earning assets | $1,057,539,667 | 864 |
| Average equity | $132,582,667 | 793 |
| Average total loans | $724,645,667 | 869 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5996% | 2,638 |
| Cost of funding earning assets | 0.5254% | 1,237 |
| Net interest margin | 3.0742% | 3,071 |
| Noninterest income to average assets | 0.3764% | 3,215 |
| Noninterest expense to average assets | 1.5217% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7425% | 879 |
| Return on assets (ROA) | 1.7478% | 916 |
| Pretax return on assets | 1.7478% | 1,401 |
| Return on Equity (ROE) | 15.0833% | 1,190 |
| Retained earnings to average equity (ytd only) | 8.2134% | 2,173 |
| Net charge-offs to loans | -0.0017% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6183% | 4,430 |
| Assets per employee ($millions) | 11.1879% | 426 |
| Cash dividends to net income (ytd only)* | 45.5466% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 2,038 |
| Loan loss allowance to noncurrent loans | 212.2415% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 2,155 |
| Noncurrent loans to loans | 0.6511% | 1,942 |
| Net loans and leases to total assets | 62.8884% | 2,182 |
| Net loans and leases to deposits | 84.1991% | 1,126 |
| Net loans and leases to core deposits | 88.5013% | 1,328 |
| Total domestic deposits to total assets | 74.6901% | 4,643 |
| Equity capital to assets | 11.5187% | 1,530 |
| Core capital (leverage) ratio | 11.2934% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4069% | 1,196 |
| Memoranda: | ||
| Average total assets | $1,130,591,500 | 862 |
| Average earning assets | $1,062,007,500 | 854 |
| Average equity | $131,006,000 | 794 |
| Average total loans | $717,379,000 | 878 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0128% | 2,688 |
| Cost of funding earning assets | 0.7607% | 1,393 |
| Net interest margin | 3.2521% | 3,205 |
| Noninterest income to average assets | 0.3442% | 3,402 |
| Noninterest expense to average assets | 1.6259% | 4,684 |
| Loan and lease loss provision to assets | 0.1761% | 2,186 |
| Net operating income to assets | 1.5955% | 649 |
| Return on assets (ROA) | 1.6193% | 667 |
| Pretax return on assets | 1.6205% | 1,029 |
| Return on Equity (ROE) | 13.1933% | 994 |
| Retained earnings to average equity (ytd only) | 5.3008% | 2,139 |
| Net charge-offs to loans | 0.0578% | 1,954 |
| Credit loss provision to net charge-offs | 443.3498% | 1,344 |
| Earnings coverage of net charge-offs (x) | 44.6232% | 1,299 |
| Efficiency ratio | 47.8392% | 4,639 |
| Assets per employee ($millions) | 11.9151% | 325 |
| Cash dividends to net income (ytd only)* | 59.8223% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 1,884 |
| Loan loss allowance to noncurrent loans | 329.0671% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 2,935 |
| Noncurrent loans to loans | 0.4321% | 2,680 |
| Net loans and leases to total assets | 62.2302% | 2,577 |
| Net loans and leases to deposits | 84.9168% | 1,371 |
| Net loans and leases to core deposits | 90.0631% | 1,520 |
| Total domestic deposits to total assets | 73.2836% | 4,669 |
| Equity capital to assets | 11.6574% | 1,762 |
| Core capital (leverage) ratio | 11.4278% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5288% | 1,398 |
| Memoranda: | ||
| Average total assets | $1,021,955,400 | 867 |
| Average earning assets | $959,846,000 | 849 |
| Average equity | $125,434,600 | 787 |
| Average total loans | $702,964,800 | 864 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 2,735 |
| Cost of funding earning assets | 0.8157% | 1,415 |
| Net interest margin | 3.2608% | 3,308 |
| Noninterest income to average assets | 0.3401% | 3,439 |
| Noninterest expense to average assets | 1.5813% | 4,746 |
| Loan and lease loss provision to assets | 0.4411% | 741 |
| Net operating income to assets | 1.3790% | 1,156 |
| Return on assets (ROA) | 1.4069% | 1,173 |
| Pretax return on assets | 1.4085% | 1,702 |
| Return on Equity (ROE) | 11.3031% | 1,586 |
| Retained earnings to average equity (ytd only) | 3.8930% | 3,103 |
| Net charge-offs to loans | 0.0745% | 1,569 |
| Credit loss provision to net charge-offs | 841.8367% | 944 |
| Earnings coverage of net charge-offs (x) | 34.7653% | 1,471 |
| Efficiency ratio | 46.4687% | 4,692 |
| Assets per employee ($millions) | 11.7643% | 338 |
| Cash dividends to net income (ytd only)* | 65.5582% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 1,113 |
| Loan loss allowance to noncurrent loans | 328.3281% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 2,822 |
| Noncurrent loans to loans | 0.4864% | 2,606 |
| Net loans and leases to total assets | 66.5811% | 2,439 |
| Net loans and leases to deposits | 91.7417% | 1,100 |
| Net loans and leases to core deposits | 98.6412% | 1,269 |
| Total domestic deposits to total assets | 72.5745% | 4,666 |
| Equity capital to assets | 11.7780% | 1,820 |
| Core capital (leverage) ratio | 11.5158% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2195% | 1,447 |
| Memoranda: | ||
| Average total assets | $997,439,750 | 870 |
| Average earning assets | $936,924,750 | 859 |
| Average equity | $124,152,000 | 787 |
| Average total loans | $701,945,500 | 862 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 2,897 |
| Cost of funding earning assets | 0.8835% | 1,450 |
| Net interest margin | 3.2718% | 3,456 |
| Noninterest income to average assets | 0.3523% | 3,369 |
| Noninterest expense to average assets | 1.6665% | 4,716 |
| Loan and lease loss provision to assets | 0.3700% | 1,128 |
| Net operating income to assets | 1.3902% | 1,135 |
| Return on assets (ROA) | 1.4170% | 1,168 |
| Pretax return on assets | 1.4170% | 1,690 |
| Return on Equity (ROE) | 11.1638% | 1,581 |
| Retained earnings to average equity (ytd only) | 4.8483% | 2,546 |
| Net charge-offs to loans | 0.2552% | 619 |
| Credit loss provision to net charge-offs | 203.1603% | 1,895 |
| Earnings coverage of net charge-offs (x) | 9.6659% | 2,204 |
| Efficiency ratio | 48.6324% | 4,582 |
| Assets per employee ($millions) | 11.1178% | 374 |
| Cash dividends to net income (ytd only)* | 56.5709% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 1,945 |
| Loan loss allowance to noncurrent loans | 154.6527% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 2,010 |
| Noncurrent loans to loans | 0.8477% | 1,792 |
| Net loans and leases to total assets | 69.6978% | 2,077 |
| Net loans and leases to deposits | 97.4978% | 694 |
| Net loans and leases to core deposits | 105.3488% | 921 |
| Total domestic deposits to total assets | 71.4865% | 4,735 |
| Equity capital to assets | 12.0892% | 1,611 |
| Core capital (leverage) ratio | 11.9130% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8964% | 1,518 |
| Memoranda: | ||
| Average total assets | $973,069,000 | 876 |
| Average earning assets | $914,360,667 | 862 |
| Average equity | $123,506,000 | 780 |
| Average total loans | $694,476,667 | 864 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 2,672 |
| Cost of funding earning assets | 0.9891% | 1,467 |
| Net interest margin | 3.3959% | 3,306 |
| Noninterest income to average assets | 0.3734% | 3,276 |
| Noninterest expense to average assets | 1.8217% | 4,640 |
| Loan and lease loss provision to assets | 0.1273% | 2,120 |
| Net operating income to assets | 1.6354% | 582 |
| Return on assets (ROA) | 1.6405% | 633 |
| Pretax return on assets | 1.6405% | 975 |
| Return on Equity (ROE) | 12.5969% | 958 |
| Retained earnings to average equity (ytd only) | 4.7768% | 2,380 |
| Net charge-offs to loans | -0.0006% | 3,591 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8228% | 4,618 |
| Assets per employee ($millions) | 11.1447% | 297 |
| Cash dividends to net income (ytd only)* | 62.0797% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 2,103 |
| Loan loss allowance to noncurrent loans | 149.2587% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6337% | 2,102 |
| Noncurrent loans to loans | 0.8768% | 1,857 |
| Net loans and leases to total assets | 71.3300% | 2,032 |
| Net loans and leases to deposits | 102.7668% | 423 |
| Net loans and leases to core deposits | 114.2996% | 654 |
| Total domestic deposits to total assets | 69.4096% | 4,877 |
| Equity capital to assets | 12.8867% | 1,500 |
| Core capital (leverage) ratio | 12.6706% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7728% | 1,403 |
| Memoranda: | ||
| Average total assets | $942,625,000 | 876 |
| Average earning assets | $891,307,500 | 854 |
| Average equity | $122,760,500 | 777 |
| Average total loans | $676,606,000 | 855 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 2,462 |
| Cost of funding earning assets | 1.1550% | 1,143 |
| Net interest margin | 3.4991% | 3,451 |
| Noninterest income to average assets | 0.2969% | 3,903 |
| Noninterest expense to average assets | 1.7064% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8991% | 428 |
| Return on assets (ROA) | 1.9233% | 430 |
| Pretax return on assets | 1.9246% | 703 |
| Return on Equity (ROE) | 14.7771% | 736 |
| Retained earnings to average equity (ytd only) | 4.7982% | 2,536 |
| Net charge-offs to loans | -0.0362% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3098% | 4,863 |
| Assets per employee ($millions) | 11.0347% | 293 |
| Cash dividends to net income (ytd only)* | 67.5295% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 1,944 |
| Loan loss allowance to noncurrent loans | 152.4472% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6056% | 2,082 |
| Noncurrent loans to loans | 0.8496% | 1,813 |
| Net loans and leases to total assets | 70.3538% | 2,338 |
| Net loans and leases to deposits | 96.5396% | 885 |
| Net loans and leases to core deposits | 107.7460% | 991 |
| Total domestic deposits to total assets | 72.8756% | 4,833 |
| Equity capital to assets | 13.1612% | 1,433 |
| Core capital (leverage) ratio | 12.6819% | 1,383 |
| Tier 1 risk-based capital ratio | 15.7582% | 2,489 |
| Total risk-based capital ratio | 16.9160% | 2,453 |
| Memoranda: | ||
| Average total assets | $923,951,600 | 851 |
| Average earning assets | $873,989,400 | 827 |
| Average equity | $120,253,400 | 758 |
| Average total loans | $674,569,600 | 832 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 2,462 |
| Cost of funding earning assets | 1.1692% | 1,117 |
| Net interest margin | 3.5174% | 3,516 |
| Noninterest income to average assets | 0.2874% | 4,013 |
| Noninterest expense to average assets | 1.6529% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9616% | 430 |
| Return on assets (ROA) | 1.9933% | 419 |
| Pretax return on assets | 1.9951% | 694 |
| Return on Equity (ROE) | 15.3593% | 704 |
| Retained earnings to average equity (ytd only) | 7.8253% | 1,484 |
| Net charge-offs to loans | 0.0158% | 2,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 169.4314% | 496 |
| Efficiency ratio | 45.7080% | 4,947 |
| Assets per employee ($millions) | 11.1729% | 259 |
| Cash dividends to net income (ytd only)* | 49.0517% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,291 |
| Loan loss allowance to noncurrent loans | 151.0237% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 2,264 |
| Noncurrent loans to loans | 0.8206% | 1,925 |
| Net loans and leases to total assets | 69.9367% | 2,483 |
| Net loans and leases to deposits | 93.6686% | 1,251 |
| Net loans and leases to core deposits | 107.8403% | 1,063 |
| Total domestic deposits to total assets | 74.6640% | 4,772 |
| Equity capital to assets | 13.1969% | 1,513 |
| Core capital (leverage) ratio | 12.9125% | 1,376 |
| Tier 1 risk-based capital ratio | 15.7261% | 2,543 |
| Total risk-based capital ratio | 16.8267% | 2,552 |
| Memoranda: | ||
| Average total assets | $920,451,250 | 852 |
| Average earning assets | $871,114,750 | 833 |
| Average equity | $119,455,250 | 761 |
| Average total loans | $676,075,750 | 834 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 2,322 |
| Cost of funding earning assets | 1.1681% | 1,081 |
| Net interest margin | 3.5449% | 3,450 |
| Noninterest income to average assets | 0.2820% | 4,055 |
| Noninterest expense to average assets | 1.7116% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9273% | 445 |
| Return on assets (ROA) | 1.9666% | 430 |
| Pretax return on assets | 1.9692% | 720 |
| Return on Equity (ROE) | 15.2429% | 716 |
| Retained earnings to average equity (ytd only) | 7.5832% | 1,565 |
| Net charge-offs to loans | 0.0331% | 2,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 78.4643% | 829 |
| Efficiency ratio | 47.0028% | 4,939 |
| Assets per employee ($millions) | 10.7226% | 283 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,311 |
| Loan loss allowance to noncurrent loans | 338.8980% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 3,480 |
| Noncurrent loans to loans | 0.3657% | 3,212 |
| Net loans and leases to total assets | 72.5937% | 2,134 |
| Net loans and leases to deposits | 93.3884% | 1,325 |
| Net loans and leases to core deposits | 109.9556% | 978 |
| Total domestic deposits to total assets | 77.7331% | 4,447 |
| Equity capital to assets | 13.3670% | 1,395 |
| Core capital (leverage) ratio | 12.9230% | 1,339 |
| Tier 1 risk-based capital ratio | 15.8594% | 2,472 |
| Total risk-based capital ratio | 16.9892% | 2,464 |
| Memoranda: | ||
| Average total assets | $910,703,000 | 859 |
| Average earning assets | $863,093,000 | 834 |
| Average equity | $117,497,000 | 764 |
| Average total loans | $677,260,670 | 831 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 2,236 |
| Cost of funding earning assets | 1.1714% | 985 |
| Net interest margin | 3.5270% | 3,510 |
| Noninterest income to average assets | 0.2729% | 4,054 |
| Noninterest expense to average assets | 1.7233% | 4,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8955% | 464 |
| Return on assets (ROA) | 1.9100% | 471 |
| Pretax return on assets | 1.9100% | 779 |
| Return on Equity (ROE) | 15.0767% | 732 |
| Retained earnings to average equity (ytd only) | 7.2730% | 1,941 |
| Net charge-offs to loans | 0.0699% | 1,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 36.2521% | 1,216 |
| Efficiency ratio | 47.6202% | 4,959 |
| Assets per employee ($millions) | 10.1905% | 320 |
| Cash dividends to net income (ytd only)* | 51.7598% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,495 |
| Loan loss allowance to noncurrent loans | 474.0571% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 3,852 |
| Noncurrent loans to loans | 0.2565% | 3,639 |
| Net loans and leases to total assets | 74.3168% | 1,746 |
| Net loans and leases to deposits | 94.4507% | 1,121 |
| Net loans and leases to core deposits | 113.5259% | 763 |
| Total domestic deposits to total assets | 78.6832% | 4,405 |
| Equity capital to assets | 12.9958% | 1,459 |
| Core capital (leverage) ratio | 12.5733% | 1,465 |
| Tier 1 risk-based capital ratio | 15.3298% | 2,739 |
| Total risk-based capital ratio | 16.4435% | 2,708 |
| Memoranda: | ||
| Average total assets | $910,343,500 | 859 |
| Average earning assets | $863,612,500 | 839 |
| Average equity | $115,330,500 | 773 |
| Average total loans | $680,922,000 | 833 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 2,122 |
| Cost of funding earning assets | 0.9636% | 869 |
| Net interest margin | 3.6390% | 3,256 |
| Noninterest income to average assets | 0.2857% | 4,189 |
| Noninterest expense to average assets | 1.7462% | 5,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9892% | 369 |
| Return on assets (ROA) | 2.0121% | 349 |
| Pretax return on assets | 2.0135% | 549 |
| Return on Equity (ROE) | 16.1679% | 595 |
| Retained earnings to average equity (ytd only) | 7.9682% | 1,250 |
| Net charge-offs to loans | 0.0100% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 266.0000% | 360 |
| Efficiency ratio | 46.7306% | 5,097 |
| Assets per employee ($millions) | 10.5027% | 294 |
| Cash dividends to net income (ytd only)* | 50.7157% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,359 |
| Loan loss allowance to noncurrent loans | 906.7888% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 4,318 |
| Noncurrent loans to loans | 0.1366% | 4,121 |
| Net loans and leases to total assets | 73.4474% | 2,018 |
| Net loans and leases to deposits | 91.1777% | 1,643 |
| Net loans and leases to core deposits | 111.2355% | 924 |
| Total domestic deposits to total assets | 80.5542% | 3,986 |
| Equity capital to assets | 12.3444% | 1,671 |
| Core capital (leverage) ratio | 12.3470% | 1,540 |
| Tier 1 risk-based capital ratio | 15.0378% | 2,816 |
| Total risk-based capital ratio | 16.1667% | 2,797 |
| Memoranda: | ||
| Average total assets | $881,959,800 | 865 |
| Average earning assets | $836,405,000 | 840 |
| Average equity | $109,761,000 | 784 |
| Average total loans | $658,080,800 | 832 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 2,237 |
| Cost of funding earning assets | 0.9050% | 899 |
| Net interest margin | 3.6133% | 3,321 |
| Noninterest income to average assets | 0.2944% | 4,179 |
| Noninterest expense to average assets | 1.7142% | 5,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0062% | 368 |
| Return on assets (ROA) | 2.0339% | 348 |
| Pretax return on assets | 2.0358% | 569 |
| Return on Equity (ROE) | 16.3087% | 645 |
| Retained earnings to average equity (ytd only) | 8.9879% | 1,221 |
| Net charge-offs to loans | 0.0088% | 3,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 306.1265% | 307 |
| Efficiency ratio | 46.0533% | 5,145 |
| Assets per employee ($millions) | 10.1536% | 310 |
| Cash dividends to net income (ytd only)* | 44.8886% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,347 |
| Loan loss allowance to noncurrent loans | 840.4382% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 4,406 |
| Noncurrent loans to loans | 0.1492% | 4,218 |
| Net loans and leases to total assets | 74.3449% | 1,926 |
| Net loans and leases to deposits | 93.5258% | 1,427 |
| Net loans and leases to core deposits | 114.4227% | 794 |
| Total domestic deposits to total assets | 79.4913% | 4,219 |
| Equity capital to assets | 12.3034% | 1,694 |
| Core capital (leverage) ratio | 12.5374% | 1,481 |
| Tier 1 risk-based capital ratio | 15.2274% | 2,771 |
| Total risk-based capital ratio | 16.3882% | 2,746 |
| Memoranda: | ||
| Average total assets | $874,016,000 | 870 |
| Average earning assets | $829,131,000 | 848 |
| Average equity | $109,002,500 | 786 |
| Average total loans | $652,718,500 | 839 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 2,172 |
| Cost of funding earning assets | 0.8368% | 979 |
| Net interest margin | 3.6358% | 3,174 |
| Noninterest income to average assets | 0.3016% | 4,164 |
| Noninterest expense to average assets | 1.7494% | 5,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0004% | 380 |
| Return on assets (ROA) | 2.0366% | 350 |
| Pretax return on assets | 2.0394% | 558 |
| Return on Equity (ROE) | 16.2551% | 621 |
| Retained earnings to average equity (ytd only) | 8.9132% | 1,248 |
| Net charge-offs to loans | 0.0015% | 3,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,737.8000% | 41 |
| Efficiency ratio | 46.6179% | 5,185 |
| Assets per employee ($millions) | 9.3912% | 392 |
| Cash dividends to net income (ytd only)* | 45.1664% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,223 |
| Loan loss allowance to noncurrent loans | 302.6062% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 3,482 |
| Noncurrent loans to loans | 0.4258% | 3,175 |
| Net loans and leases to total assets | 74.3515% | 1,889 |
| Net loans and leases to deposits | 91.4496% | 1,653 |
| Net loans and leases to core deposits | 110.7732% | 949 |
| Total domestic deposits to total assets | 81.3033% | 3,915 |
| Equity capital to assets | 12.5562% | 1,501 |
| Core capital (leverage) ratio | 12.4007% | 1,486 |
| Tier 1 risk-based capital ratio | 15.3192% | 2,719 |
| Total risk-based capital ratio | 16.5194% | 2,674 |
| Memoranda: | ||
| Average total assets | $867,516,330 | 878 |
| Average earning assets | $823,419,670 | 856 |
| Average equity | $108,692,330 | 782 |
| Average total loans | $646,051,000 | 848 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 2,257 |
| Cost of funding earning assets | 0.7899% | 991 |
| Net interest margin | 3.5929% | 3,209 |
| Noninterest income to average assets | 0.2656% | 4,405 |
| Noninterest expense to average assets | 1.7997% | 5,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8728% | 482 |
| Return on assets (ROA) | 1.9149% | 436 |
| Pretax return on assets | 1.9149% | 694 |
| Return on Equity (ROE) | 15.3004% | 755 |
| Retained earnings to average equity (ytd only) | 7.9256% | 1,868 |
| Net charge-offs to loans | 0.0019% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1,349.3333% | 43 |
| Efficiency ratio | 49.0048% | 5,140 |
| Assets per employee ($millions) | 9.7282% | 354 |
| Cash dividends to net income (ytd only)* | 48.2000% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 2,192 |
| Loan loss allowance to noncurrent loans | 714.2376% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 4,279 |
| Noncurrent loans to loans | 0.1836% | 4,137 |
| Net loans and leases to total assets | 73.6802% | 1,914 |
| Net loans and leases to deposits | 91.5067% | 1,504 |
| Net loans and leases to core deposits | 109.7371% | 1,020 |
| Total domestic deposits to total assets | 80.5189% | 4,316 |
| Equity capital to assets | 12.4175% | 1,535 |
| Core capital (leverage) ratio | 12.2801% | 1,487 |
| Tier 1 risk-based capital ratio | 15.2834% | 2,747 |
| Total risk-based capital ratio | 16.5117% | 2,697 |
| Memoranda: | ||
| Average total assets | $864,581,500 | 888 |
| Average earning assets | $819,833,000 | 867 |
| Average equity | $108,206,500 | 784 |
| Average total loans | $640,150,500 | 856 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 2,138 |
| Cost of funding earning assets | 0.6723% | 1,172 |
| Net interest margin | 3.6904% | 2,833 |
| Noninterest income to average assets | 0.2651% | 4,543 |
| Noninterest expense to average assets | 1.7166% | 5,319 |
| Loan and lease loss provision to assets | -0.0410% | 5,377 |
| Net operating income to assets | 2.0926% | 236 |
| Return on assets (ROA) | 2.1297% | 229 |
| Pretax return on assets | 2.1311% | 371 |
| Return on Equity (ROE) | 16.5844% | 427 |
| Retained earnings to average equity (ytd only) | 1.9806% | 4,133 |
| Net charge-offs to loans | -0.1458% | 5,460 |
| Credit loss provision to net charge-offs | 38.3772% | 3,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5382% | 5,405 |
| Assets per employee ($millions) | 9.8109% | 341 |
| Cash dividends to net income (ytd only)* | 88.0572% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 2,035 |
| Loan loss allowance to noncurrent loans | 519.6691% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 4,025 |
| Noncurrent loans to loans | 0.2575% | 3,862 |
| Net loans and leases to total assets | 72.4398% | 2,160 |
| Net loans and leases to deposits | 88.6183% | 1,941 |
| Net loans and leases to core deposits | 105.2395% | 1,324 |
| Total domestic deposits to total assets | 81.7437% | 3,930 |
| Equity capital to assets | 12.6137% | 1,449 |
| Core capital (leverage) ratio | 12.0555% | 1,574 |
| Tier 1 risk-based capital ratio | 15.1810% | 2,759 |
| Total risk-based capital ratio | 16.4269% | 2,694 |
| Memoranda: | ||
| Average total assets | $853,182,600 | 873 |
| Average earning assets | $810,219,600 | 849 |
| Average equity | $109,560,600 | 750 |
| Average total loans | $625,336,200 | 839 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 2,152 |
| Cost of funding earning assets | 0.6513% | 1,231 |
| Net interest margin | 3.6858% | 2,801 |
| Noninterest income to average assets | 0.2638% | 4,621 |
| Noninterest expense to average assets | 1.6293% | 5,424 |
| Loan and lease loss provision to assets | -0.0313% | 5,494 |
| Net operating income to assets | 2.1658% | 232 |
| Return on assets (ROA) | 2.2094% | 212 |
| Pretax return on assets | 2.2113% | 352 |
| Return on Equity (ROE) | 17.1284% | 406 |
| Retained earnings to average equity (ytd only) | 9.5339% | 695 |
| Net charge-offs to loans | -0.1889% | 5,527 |
| Credit loss provision to net charge-offs | 22.6501% | 3,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2674% | 5,505 |
| Assets per employee ($millions) | 9.8062% | 337 |
| Cash dividends to net income (ytd only)* | 44.3388% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,068 |
| Loan loss allowance to noncurrent loans | 474.9862% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 3,885 |
| Noncurrent loans to loans | 0.2869% | 3,917 |
| Net loans and leases to total assets | 72.9759% | 2,106 |
| Net loans and leases to deposits | 90.4159% | 1,757 |
| Net loans and leases to core deposits | 108.8030% | 1,106 |
| Total domestic deposits to total assets | 80.7113% | 4,131 |
| Equity capital to assets | 13.4154% | 1,192 |
| Core capital (leverage) ratio | 12.8478% | 1,270 |
| Tier 1 risk-based capital ratio | 16.1692% | 2,429 |
| Total risk-based capital ratio | 17.4195% | 2,380 |
| Memoranda: | ||
| Average total assets | $850,639,500 | 883 |
| Average earning assets | $808,189,000 | 855 |
| Average equity | $109,725,500 | 751 |
| Average total loans | $623,196,750 | 847 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 2,130 |
| Cost of funding earning assets | 0.6202% | 1,333 |
| Net interest margin | 3.6788% | 2,725 |
| Noninterest income to average assets | 0.2445% | 4,779 |
| Noninterest expense to average assets | 1.6451% | 5,459 |
| Loan and lease loss provision to assets | 0.0118% | 3,723 |
| Net operating income to assets | 2.0779% | 266 |
| Return on assets (ROA) | 2.1012% | 262 |
| Pretax return on assets | 2.1040% | 440 |
| Return on Equity (ROE) | 16.5104% | 461 |
| Retained earnings to average equity (ytd only) | 9.1318% | 802 |
| Net charge-offs to loans | -0.1254% | 5,478 |
| Credit loss provision to net charge-offs | -12.8535% | 4,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0149% | 5,526 |
| Assets per employee ($millions) | 10.3451% | 272 |
| Cash dividends to net income (ytd only)* | 44.6909% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 2,262 |
| Loan loss allowance to noncurrent loans | 233.2403% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 3,078 |
| Noncurrent loans to loans | 0.5712% | 3,014 |
| Net loans and leases to total assets | 72.0794% | 2,193 |
| Net loans and leases to deposits | 89.2227% | 1,836 |
| Net loans and leases to core deposits | 110.4785% | 983 |
| Total domestic deposits to total assets | 80.7859% | 4,239 |
| Equity capital to assets | 13.0245% | 1,368 |
| Core capital (leverage) ratio | 12.4236% | 1,404 |
| Tier 1 risk-based capital ratio | 15.8151% | 2,579 |
| Total risk-based capital ratio | 17.0606% | 2,520 |
| Memoranda: | ||
| Average total assets | $849,806,330 | 890 |
| Average earning assets | $806,895,670 | 863 |
| Average equity | $108,150,000 | 760 |
| Average total loans | $620,533,000 | 849 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2446% | 2,115 |
| Cost of funding earning assets | 0.5762% | 1,533 |
| Net interest margin | 3.6684% | 2,614 |
| Noninterest income to average assets | 0.2309% | 4,894 |
| Noninterest expense to average assets | 1.7157% | 5,462 |
| Loan and lease loss provision to assets | 0.0237% | 3,273 |
| Net operating income to assets | 1.9721% | 320 |
| Return on assets (ROA) | 1.9844% | 324 |
| Pretax return on assets | 1.9891% | 517 |
| Return on Equity (ROE) | 15.7806% | 554 |
| Retained earnings to average equity (ytd only) | 8.2741% | 1,349 |
| Net charge-offs to loans | -0.1504% | 5,566 |
| Credit loss provision to net charge-offs | -21.5517% | 3,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1676% | 5,521 |
| Assets per employee ($millions) | 10.6951% | 248 |
| Cash dividends to net income (ytd only)* | 47.5680% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,532 |
| Loan loss allowance to noncurrent loans | 304.8699% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 3,440 |
| Noncurrent loans to loans | 0.4267% | 3,565 |
| Net loans and leases to total assets | 72.7297% | 1,956 |
| Net loans and leases to deposits | 89.5145% | 1,595 |
| Net loans and leases to core deposits | 110.2766% | 869 |
| Total domestic deposits to total assets | 81.2492% | 4,354 |
| Equity capital to assets | 12.5823% | 1,474 |
| Core capital (leverage) ratio | 12.3207% | 1,434 |
| Tier 1 risk-based capital ratio | 15.1662% | 2,891 |
| Total risk-based capital ratio | 16.3694% | 2,844 |
| Memoranda: | ||
| Average total assets | $845,387,000 | 898 |
| Average earning assets | $803,188,500 | 874 |
| Average equity | $106,308,000 | 770 |
| Average total loans | $617,168,000 | 852 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2791% | 2,213 |
| Cost of funding earning assets | 0.5116% | 1,998 |
| Net interest margin | 3.7675% | 2,441 |
| Noninterest income to average assets | 0.2669% | 4,822 |
| Noninterest expense to average assets | 1.7541% | 5,517 |
| Loan and lease loss provision to assets | -0.0541% | 5,600 |
| Net operating income to assets | 2.1448% | 248 |
| Return on assets (ROA) | 2.1802% | 243 |
| Pretax return on assets | 2.1816% | 339 |
| Return on Equity (ROE) | 16.8912% | 419 |
| Retained earnings to average equity (ytd only) | 3.8485% | 3,185 |
| Net charge-offs to loans | 0.0463% | 3,111 |
| Credit loss provision to net charge-offs | -163.6364% | 4,966 |
| Earnings coverage of net charge-offs (x) | 63.2691% | 856 |
| Efficiency ratio | 45.6060% | 5,651 |
| Assets per employee ($millions) | 10.4396% | 272 |
| Cash dividends to net income (ytd only)* | 77.2158% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,485 |
| Loan loss allowance to noncurrent loans | 183.7781% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 2,991 |
| Noncurrent loans to loans | 0.7136% | 2,752 |
| Net loans and leases to total assets | 71.3552% | 2,265 |
| Net loans and leases to deposits | 87.4305% | 1,997 |
| Net loans and leases to core deposits | 114.7760% | 665 |
| Total domestic deposits to total assets | 81.6137% | 4,174 |
| Equity capital to assets | 12.5677% | 1,479 |
| Core capital (leverage) ratio | 12.1714% | 1,495 |
| Tier 1 risk-based capital ratio | 15.2131% | 2,880 |
| Total risk-based capital ratio | 16.4038% | 2,833 |
| Memoranda: | ||
| Average total assets | $831,636,400 | 872 |
| Average earning assets | $790,095,400 | 849 |
| Average equity | $107,339,800 | 744 |
| Average total loans | $593,815,600 | 841 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 2,223 |
| Cost of funding earning assets | 0.5001% | 2,100 |
| Net interest margin | 3.7805% | 2,408 |
| Noninterest income to average assets | 0.2680% | 4,853 |
| Noninterest expense to average assets | 1.6818% | 5,621 |
| Loan and lease loss provision to assets | -0.0241% | 5,681 |
| Net operating income to assets | 2.2016% | 244 |
| Return on assets (ROA) | 2.2564% | 236 |
| Pretax return on assets | 2.2583% | 336 |
| Return on Equity (ROE) | 17.3669% | 407 |
| Retained earnings to average equity (ytd only) | 3.5811% | 3,744 |
| Net charge-offs to loans | -0.0061% | 4,657 |
| Credit loss provision to net charge-offs | 555.5556% | 648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5554% | 5,755 |
| Assets per employee ($millions) | 10.3396% | 270 |
| Cash dividends to net income (ytd only)* | 79.3798% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 2,208 |
| Loan loss allowance to noncurrent loans | 261.6211% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4432% | 3,652 |
| Noncurrent loans to loans | 0.5346% | 3,388 |
| Net loans and leases to total assets | 71.7278% | 2,229 |
| Net loans and leases to deposits | 88.4127% | 1,959 |
| Net loans and leases to core deposits | 117.9710% | 573 |
| Total domestic deposits to total assets | 81.1284% | 4,220 |
| Equity capital to assets | 13.1030% | 1,443 |
| Core capital (leverage) ratio | 12.1830% | 1,558 |
| Tier 1 risk-based capital ratio | 14.8755% | 3,111 |
| Total risk-based capital ratio | 16.1257% | 3,040 |
| Memoranda: | ||
| Average total assets | $830,754,500 | 869 |
| Average earning assets | $789,620,500 | 844 |
| Average equity | $107,934,500 | 745 |
| Average total loans | $591,306,500 | 843 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2930% | 2,178 |
| Cost of funding earning assets | 0.4885% | 2,202 |
| Net interest margin | 3.8045% | 2,304 |
| Noninterest income to average assets | 0.2530% | 4,961 |
| Noninterest expense to average assets | 1.6792% | 5,704 |
| Loan and lease loss provision to assets | 0.0121% | 3,863 |
| Net operating income to assets | 2.1743% | 236 |
| Return on assets (ROA) | 2.2243% | 233 |
| Pretax return on assets | 2.2271% | 358 |
| Return on Equity (ROE) | 17.1690% | 425 |
| Retained earnings to average equity (ytd only) | 3.3242% | 3,786 |
| Net charge-offs to loans | -0.0133% | 4,789 |
| Credit loss provision to net charge-offs | -128.2051% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4072% | 5,829 |
| Assets per employee ($millions) | 10.2794% | 255 |
| Cash dividends to net income (ytd only)* | 80.6382% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 2,010 |
| Loan loss allowance to noncurrent loans | 331.4231% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 4,206 |
| Noncurrent loans to loans | 0.4418% | 3,786 |
| Net loans and leases to total assets | 70.5893% | 2,386 |
| Net loans and leases to deposits | 87.6704% | 2,040 |
| Net loans and leases to core deposits | 104.3681% | 1,286 |
| Total domestic deposits to total assets | 80.5167% | 4,408 |
| Equity capital to assets | 13.2563% | 1,349 |
| Core capital (leverage) ratio | 11.9763% | 1,642 |
| Tier 1 risk-based capital ratio | 15.0126% | 3,073 |
| Total risk-based capital ratio | 16.2635% | 3,014 |
| Memoranda: | ||
| Average total assets | $828,503,000 | 878 |
| Average earning assets | $787,331,000 | 843 |
| Average equity | $107,333,000 | 747 |
| Average total loans | $585,326,000 | 850 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 2,149 |
| Cost of funding earning assets | 0.4729% | 2,341 |
| Net interest margin | 3.8233% | 2,210 |
| Noninterest income to average assets | 0.2420% | 5,008 |
| Noninterest expense to average assets | 1.7555% | 5,696 |
| Loan and lease loss provision to assets | 0.0242% | 3,363 |
| Net operating income to assets | 2.0895% | 288 |
| Return on assets (ROA) | 2.1141% | 282 |
| Pretax return on assets | 2.1141% | 450 |
| Return on Equity (ROE) | 16.5125% | 487 |
| Retained earnings to average equity (ytd only) | 2.7143% | 4,154 |
| Net charge-offs to loans | -0.0669% | 5,470 |
| Credit loss provision to net charge-offs | -51.5464% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3715% | 5,836 |
| Assets per employee ($millions) | 9.9521% | 285 |
| Cash dividends to net income (ytd only)* | 83.5623% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 2,041 |
| Loan loss allowance to noncurrent loans | 299.6251% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 4,147 |
| Noncurrent loans to loans | 0.4968% | 3,685 |
| Net loans and leases to total assets | 70.4264% | 2,278 |
| Net loans and leases to deposits | 87.5646% | 1,876 |
| Net loans and leases to core deposits | 104.8872% | 1,141 |
| Total domestic deposits to total assets | 80.4279% | 4,657 |
| Equity capital to assets | 12.9453% | 1,434 |
| Core capital (leverage) ratio | 11.9521% | 1,638 |
| Tier 1 risk-based capital ratio | 15.0810% | 3,118 |
| Total risk-based capital ratio | 16.3322% | 3,057 |
| Memoranda: | ||
| Average total assets | $826,437,000 | 880 |
| Average earning assets | $784,044,000 | 853 |
| Average equity | $105,811,000 | 759 |
| Average total loans | $579,747,000 | 851 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 1,918 |
| Cost of funding earning assets | 0.4457% | 2,673 |
| Net interest margin | 3.9488% | 1,876 |
| Noninterest income to average assets | 0.2359% | 5,183 |
| Noninterest expense to average assets | 1.8527% | 5,672 |
| Loan and lease loss provision to assets | -0.2323% | 6,020 |
| Net operating income to assets | 2.3518% | 189 |
| Return on assets (ROA) | 2.3704% | 187 |
| Pretax return on assets | 2.3719% | 259 |
| Return on Equity (ROE) | 18.3268% | 360 |
| Retained earnings to average equity (ytd only) | 1.8018% | 4,704 |
| Net charge-offs to loans | 0.0746% | 2,762 |
| Credit loss provision to net charge-offs | -461.3861% | 5,427 |
| Earnings coverage of net charge-offs (x) | 42.1262% | 1,130 |
| Efficiency ratio | 46.6238% | 5,894 |
| Assets per employee ($millions) | 10.2080% | 250 |
| Cash dividends to net income (ytd only)* | 90.1682% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 1,906 |
| Loan loss allowance to noncurrent loans | 305.5497% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 4,211 |
| Noncurrent loans to loans | 0.4972% | 3,702 |
| Net loans and leases to total assets | 67.7656% | 2,736 |
| Net loans and leases to deposits | 81.7566% | 2,624 |
| Net loans and leases to core deposits | 97.1669% | 1,744 |
| Total domestic deposits to total assets | 82.8870% | 3,874 |
| Equity capital to assets | 12.6614% | 1,526 |
| Core capital (leverage) ratio | 11.9033% | 1,681 |
| Tier 1 risk-based capital ratio | 15.3528% | 3,013 |
| Total risk-based capital ratio | 16.6042% | 2,948 |
| Memoranda: | ||
| Average total assets | $802,404,600 | 867 |
| Average earning assets | $759,526,000 | 836 |
| Average equity | $103,782,600 | 743 |
| Average total loans | $541,608,000 | 867 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 1,314 |
| Cost of funding earning assets | 0.5149% | 2,083 |
| Net interest margin | 4.0907% | 1,432 |
| Noninterest income to average assets | 0.2736% | 4,982 |
| Noninterest expense to average assets | 1.5142% | 6,035 |
| Loan and lease loss provision to assets | -0.1116% | 6,013 |
| Net operating income to assets | 2.7404% | 116 |
| Return on assets (ROA) | 2.7593% | 114 |
| Pretax return on assets | 2.7616% | 156 |
| Return on Equity (ROE) | 19.9279% | 273 |
| Retained earnings to average equity (ytd only) | 2.6848% | 4,506 |
| Net charge-offs to loans | 0.0415% | 3,052 |
| Credit loss provision to net charge-offs | -390.6250% | 5,318 |
| Earnings coverage of net charge-offs (x) | 92.1185% | 671 |
| Efficiency ratio | 36.5290% | 6,179 |
| Assets per employee ($millions) | 9.8180% | 290 |
| Cash dividends to net income (ytd only)* | 86.5276% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 1,075 |
| Loan loss allowance to noncurrent loans | 298.0910% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.6295% | 3,377 |
| Noncurrent loans to loans | 0.6372% | 3,408 |
| Net loans and leases to total assets | 68.8973% | 2,547 |
| Net loans and leases to deposits | 84.2096% | 2,386 |
| Net loans and leases to core deposits | 98.9893% | 1,607 |
| Total domestic deposits to total assets | 81.8164% | 4,223 |
| Equity capital to assets | 13.5853% | 1,189 |
| Core capital (leverage) ratio | 12.8300% | 1,259 |
| Tier 1 risk-based capital ratio | 15.7479% | 2,922 |
| Total risk-based capital ratio | 17.0031% | 2,852 |
| Memoranda: | ||
| Average total assets | $597,517,250 | 1,147 |
| Average earning assets | $565,529,000 | 1,111 |
| Average equity | $82,736,250 | 928 |
| Average total loans | $411,192,250 | 1,112 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 1,332 |
| Cost of funding earning assets | 0.5178% | 2,087 |
| Net interest margin | 4.0592% | 1,473 |
| Noninterest income to average assets | 0.3072% | 4,758 |
| Noninterest expense to average assets | 1.5373% | 6,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.6084% | 149 |
| Return on assets (ROA) | 2.6279% | 150 |
| Pretax return on assets | 2.6313% | 209 |
| Return on Equity (ROE) | 18.8569% | 346 |
| Retained earnings to average equity (ytd only) | 2.6393% | 4,377 |
| Net charge-offs to loans | 0.0542% | 2,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 70.4909% | 772 |
| Efficiency ratio | 37.0515% | 6,251 |
| Assets per employee ($millions) | 10.0775% | 258 |
| Cash dividends to net income (ytd only)* | 86.0036% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0685% | 896 |
| Loan loss allowance to noncurrent loans | 348.1661% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 3,470 |
| Noncurrent loans to loans | 0.5941% | 3,679 |
| Net loans and leases to total assets | 68.7824% | 2,520 |
| Net loans and leases to deposits | 83.7037% | 2,347 |
| Net loans and leases to core deposits | 98.7879% | 1,588 |
| Total domestic deposits to total assets | 82.1736% | 4,239 |
| Equity capital to assets | 13.6619% | 1,106 |
| Core capital (leverage) ratio | 12.8791% | 1,224 |
| Tier 1 risk-based capital ratio | 16.0558% | 2,828 |
| Total risk-based capital ratio | 17.3129% | 2,782 |
| Memoranda: | ||
| Average total assets | $593,783,670 | 1,157 |
| Average earning assets | $561,984,670 | 1,119 |
| Average equity | $82,749,670 | 928 |
| Average total loans | $405,753,000 | 1,132 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 1,391 |
| Cost of funding earning assets | 0.5300% | 2,018 |
| Net interest margin | 3.9967% | 1,568 |
| Noninterest income to average assets | 0.3175% | 4,649 |
| Noninterest expense to average assets | 1.6010% | 6,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.4989% | 155 |
| Return on assets (ROA) | 2.5016% | 163 |
| Pretax return on assets | 2.5016% | 241 |
| Return on Equity (ROE) | 17.7752% | 406 |
| Retained earnings to average equity (ytd only) | 2.9266% | 4,215 |
| Net charge-offs to loans | 0.1471% | 1,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 25.2177% | 1,274 |
| Efficiency ratio | 39.0497% | 6,281 |
| Assets per employee ($millions) | 10.1105% | 252 |
| Cash dividends to net income (ytd only)* | 83.5354% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 873 |
| Loan loss allowance to noncurrent loans | 307.6180% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 3,302 |
| Noncurrent loans to loans | 0.6942% | 3,541 |
| Net loans and leases to total assets | 66.0809% | 2,750 |
| Net loans and leases to deposits | 80.3838% | 2,525 |
| Net loans and leases to core deposits | 94.5962% | 1,722 |
| Total domestic deposits to total assets | 82.2068% | 4,454 |
| Equity capital to assets | 14.0523% | 971 |
| Core capital (leverage) ratio | 12.8377% | 1,222 |
| Tier 1 risk-based capital ratio | 15.8323% | 3,003 |
| Total risk-based capital ratio | 17.0891% | 2,934 |
| Memoranda: | ||
| Average total assets | $593,388,500 | 1,164 |
| Average earning assets | $561,558,500 | 1,126 |
| Average equity | $83,509,500 | 915 |
| Average total loans | $399,829,500 | 1,151 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 1,198 |
| Cost of funding earning assets | 0.5277% | 2,412 |
| Net interest margin | 4.2269% | 1,224 |
| Noninterest income to average assets | 0.2489% | 5,342 |
| Noninterest expense to average assets | 1.6295% | 6,219 |
| Loan and lease loss provision to assets | -0.1301% | 6,196 |
| Net operating income to assets | 2.7618% | 114 |
| Return on assets (ROA) | 2.7943% | 111 |
| Pretax return on assets | 2.7951% | 136 |
| Return on Equity (ROE) | 20.4699% | 224 |
| Retained earnings to average equity (ytd only) | 1.5975% | 5,027 |
| Net charge-offs to loans | 0.2039% | 2,036 |
| Credit loss provision to net charge-offs | -95.6633% | 5,514 |
| Earnings coverage of net charge-offs (x) | 19.3559% | 1,787 |
| Efficiency ratio | 38.2327% | 6,420 |
| Assets per employee ($millions) | 10.1768% | 236 |
| Cash dividends to net income (ytd only)* | 92.1959% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2042% | 819 |
| Loan loss allowance to noncurrent loans | 370.8351% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 3,458 |
| Noncurrent loans to loans | 0.5944% | 3,889 |
| Net loans and leases to total assets | 65.7551% | 2,932 |
| Net loans and leases to deposits | 79.7795% | 2,745 |
| Net loans and leases to core deposits | 94.2902% | 1,890 |
| Total domestic deposits to total assets | 82.4210% | 4,275 |
| Equity capital to assets | 14.0945% | 924 |
| Core capital (leverage) ratio | 12.7914% | 1,214 |
| Tier 1 risk-based capital ratio | 17.0370% | 2,500 |
| Total risk-based capital ratio | 18.2962% | 2,445 |
| Memoranda: | ||
| Average total assets | $576,433,000 | 1,144 |
| Average earning assets | $547,277,600 | 1,103 |
| Average equity | $78,686,200 | 931 |
| Average total loans | $384,436,400 | 1,153 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 1,152 |
| Cost of funding earning assets | 0.5244% | 2,524 |
| Net interest margin | 4.2493% | 1,157 |
| Noninterest income to average assets | 0.2683% | 5,285 |
| Noninterest expense to average assets | 1.5081% | 6,351 |
| Loan and lease loss provision to assets | -0.1745% | 6,364 |
| Net operating income to assets | 2.9725% | 95 |
| Return on assets (ROA) | 3.0016% | 94 |
| Pretax return on assets | 3.0027% | 117 |
| Return on Equity (ROE) | 22.1743% | 182 |
| Retained earnings to average equity (ytd only) | 3.1012% | 4,416 |
| Net charge-offs to loans | -0.0696% | 6,031 |
| Credit loss provision to net charge-offs | 376.8844% | 744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0135% | 6,514 |
| Assets per employee ($millions) | 10.0668% | 233 |
| Cash dividends to net income (ytd only)* | 86.0144% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4775% | 666 |
| Loan loss allowance to noncurrent loans | 277.3945% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.8493% | 3,289 |
| Noncurrent loans to loans | 0.8931% | 3,332 |
| Net loans and leases to total assets | 65.6044% | 2,938 |
| Net loans and leases to deposits | 79.9897% | 2,691 |
| Net loans and leases to core deposits | 94.8075% | 1,775 |
| Total domestic deposits to total assets | 82.0161% | 4,469 |
| Equity capital to assets | 14.1211% | 963 |
| Core capital (leverage) ratio | 13.0520% | 1,152 |
| Tier 1 risk-based capital ratio | 17.3674% | 2,442 |
| Total risk-based capital ratio | 18.6297% | 2,400 |
| Memoranda: | ||
| Average total assets | $572,977,000 | 1,160 |
| Average earning assets | $544,615,500 | 1,114 |
| Average equity | $77,559,250 | 944 |
| Average total loans | $381,327,500 | 1,167 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 1,112 |
| Cost of funding earning assets | 0.5214% | 2,627 |
| Net interest margin | 4.2557% | 1,128 |
| Noninterest income to average assets | 0.3176% | 4,871 |
| Noninterest expense to average assets | 1.5428% | 6,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.8187% | 103 |
| Return on assets (ROA) | 2.8636% | 103 |
| Pretax return on assets | 2.8654% | 128 |
| Return on Equity (ROE) | 21.4726% | 223 |
| Retained earnings to average equity (ytd only) | 3.2715% | 4,124 |
| Net charge-offs to loans | -0.1017% | 6,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3595% | 6,579 |
| Assets per employee ($millions) | 9.9983% | 234 |
| Cash dividends to net income (ytd only)* | 84.7645% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7175% | 522 |
| Loan loss allowance to noncurrent loans | 286.4880% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.9817% | 3,100 |
| Noncurrent loans to loans | 0.9486% | 3,351 |
| Net loans and leases to total assets | 64.6587% | 2,972 |
| Net loans and leases to deposits | 79.0136% | 2,654 |
| Net loans and leases to core deposits | 92.3853% | 1,914 |
| Total domestic deposits to total assets | 81.8324% | 4,703 |
| Equity capital to assets | 13.8848% | 1,021 |
| Core capital (leverage) ratio | 13.1442% | 1,109 |
| Tier 1 risk-based capital ratio | 17.4020% | 2,462 |
| Total risk-based capital ratio | 18.6668% | 2,417 |
| Memoranda: | ||
| Average total assets | $569,345,330 | 1,161 |
| Average earning assets | $541,248,330 | 1,118 |
| Average equity | $75,929,330 | 966 |
| Average total loans | $377,511,000 | 1,170 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 1,082 |
| Cost of funding earning assets | 0.5187% | 2,728 |
| Net interest margin | 4.2621% | 1,076 |
| Noninterest income to average assets | 0.2397% | 5,443 |
| Noninterest expense to average assets | 1.6168% | 6,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.6784% | 122 |
| Return on assets (ROA) | 2.7075% | 128 |
| Pretax return on assets | 2.7075% | 179 |
| Return on Equity (ROE) | 20.7401% | 254 |
| Retained earnings to average equity (ytd only) | 4.4435% | 3,458 |
| Net charge-offs to loans | -0.0439% | 5,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6424% | 6,623 |
| Assets per employee ($millions) | 9.9810% | 233 |
| Cash dividends to net income (ytd only)* | 78.5752% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7158% | 608 |
| Loan loss allowance to noncurrent loans | 203.1687% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 1.0390% | 3,174 |
| Noncurrent loans to loans | 1.3367% | 2,805 |
| Net loans and leases to total assets | 64.9983% | 2,727 |
| Net loans and leases to deposits | 79.2202% | 2,404 |
| Net loans and leases to core deposits | 91.4646% | 1,781 |
| Total domestic deposits to total assets | 82.0477% | 4,933 |
| Equity capital to assets | 13.4577% | 1,110 |
| Core capital (leverage) ratio | 13.2666% | 1,059 |
| Tier 1 risk-based capital ratio | 17.5219% | 2,472 |
| Total risk-based capital ratio | 18.7866% | 2,437 |
| Memoranda: | ||
| Average total assets | $564,068,500 | 1,177 |
| Average earning assets | $536,733,000 | 1,142 |
| Average equity | $73,635,000 | 989 |
| Average total loans | $373,552,000 | 1,182 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 986 |
| Cost of funding earning assets | 0.5689% | 2,934 |
| Net interest margin | 4.3953% | 919 |
| Noninterest income to average assets | 0.2011% | 5,879 |
| Noninterest expense to average assets | 1.6621% | 6,475 |
| Loan and lease loss provision to assets | -0.0645% | 6,418 |
| Net operating income to assets | 2.7808% | 127 |
| Return on assets (ROA) | 2.7938% | 128 |
| Pretax return on assets | 2.7938% | 150 |
| Return on Equity (ROE) | 20.7933% | 247 |
| Retained earnings to average equity (ytd only) | 2.3039% | 4,611 |
| Net charge-offs to loans | -0.0722% | 6,416 |
| Credit loss provision to net charge-offs | 138.2576% | 1,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9621% | 6,716 |
| Assets per employee ($millions) | 9.8109% | 246 |
| Cash dividends to net income (ytd only)* | 88.9198% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8017% | 601 |
| Loan loss allowance to noncurrent loans | 212.0875% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.9982% | 3,418 |
| Noncurrent loans to loans | 1.3210% | 2,928 |
| Net loans and leases to total assets | 63.7875% | 3,072 |
| Net loans and leases to deposits | 76.5297% | 2,914 |
| Net loans and leases to core deposits | 87.5928% | 2,281 |
| Total domestic deposits to total assets | 83.3500% | 4,412 |
| Equity capital to assets | 12.6439% | 1,447 |
| Core capital (leverage) ratio | 13.0724% | 1,113 |
| Tier 1 risk-based capital ratio | 17.9562% | 2,257 |
| Total risk-based capital ratio | 19.2219% | 2,224 |
| Memoranda: | ||
| Average total assets | $565,960,600 | 1,168 |
| Average earning assets | $537,898,400 | 1,125 |
| Average equity | $76,043,600 | 937 |
| Average total loans | $365,667,200 | 1,164 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 999 |
| Cost of funding earning assets | 0.5739% | 3,056 |
| Net interest margin | 4.3941% | 903 |
| Noninterest income to average assets | 0.2055% | 5,949 |
| Noninterest expense to average assets | 1.5117% | 6,632 |
| Loan and lease loss provision to assets | 0.0352% | 4,313 |
| Net operating income to assets | 2.8341% | 128 |
| Return on assets (ROA) | 2.8327% | 132 |
| Pretax return on assets | 2.8327% | 162 |
| Return on Equity (ROE) | 20.7807% | 257 |
| Retained earnings to average equity (ytd only) | 3.1188% | 4,454 |
| Net charge-offs to loans | -0.4087% | 6,761 |
| Credit loss provision to net charge-offs | -13.3929% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5057% | 6,812 |
| Assets per employee ($millions) | 10.0660% | 227 |
| Cash dividends to net income (ytd only)* | 84.9917% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1346% | 480 |
| Loan loss allowance to noncurrent loans | 211.3731% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 1.1389% | 3,378 |
| Noncurrent loans to loans | 1.4830% | 2,943 |
| Net loans and leases to total assets | 63.8825% | 3,016 |
| Net loans and leases to deposits | 76.6201% | 2,870 |
| Net loans and leases to core deposits | 87.6223% | 2,228 |
| Total domestic deposits to total assets | 83.3756% | 4,432 |
| Equity capital to assets | 12.8200% | 1,413 |
| Core capital (leverage) ratio | 13.0886% | 1,171 |
| Tier 1 risk-based capital ratio | 17.6052% | 2,479 |
| Total risk-based capital ratio | 18.8743% | 2,439 |
| Memoranda: | ||
| Average total assets | $567,646,000 | 1,180 |
| Average earning assets | $539,412,000 | 1,136 |
| Average equity | $77,377,750 | 935 |
| Average total loans | $365,335,500 | 1,173 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9698% | 957 |
| Cost of funding earning assets | 0.5792% | 3,138 |
| Net interest margin | 4.3906% | 866 |
| Noninterest income to average assets | 0.2172% | 5,883 |
| Noninterest expense to average assets | 1.5748% | 6,612 |
| Loan and lease loss provision to assets | 0.1406% | 2,572 |
| Net operating income to assets | 2.6775% | 142 |
| Return on assets (ROA) | 2.6768% | 150 |
| Pretax return on assets | 2.6768% | 212 |
| Return on Equity (ROE) | 19.2586% | 362 |
| Retained earnings to average equity (ytd only) | 3.4521% | 4,123 |
| Net charge-offs to loans | -0.3442% | 6,778 |
| Credit loss provision to net charge-offs | -64.0000% | 5,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8486% | 6,845 |
| Assets per employee ($millions) | 9.8139% | 232 |
| Cash dividends to net income (ytd only)* | 82.0749% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1194% | 514 |
| Loan loss allowance to noncurrent loans | 270.7809% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.8906% | 4,013 |
| Noncurrent loans to loans | 1.1520% | 3,627 |
| Net loans and leases to total assets | 63.3373% | 3,037 |
| Net loans and leases to deposits | 76.3645% | 2,824 |
| Net loans and leases to core deposits | 89.5410% | 1,950 |
| Total domestic deposits to total assets | 82.9408% | 4,720 |
| Equity capital to assets | 13.1657% | 1,274 |
| Core capital (leverage) ratio | 13.1294% | 1,120 |
| Tier 1 risk-based capital ratio | 17.8400% | 2,380 |
| Total risk-based capital ratio | 19.1090% | 2,335 |
| Memoranda: | ||
| Average total assets | $568,962,670 | 1,180 |
| Average earning assets | $541,111,330 | 1,130 |
| Average equity | $79,081,670 | 920 |
| Average total loans | $363,195,330 | 1,171 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 991 |
| Cost of funding earning assets | 0.5934% | 3,167 |
| Net interest margin | 4.3464% | 886 |
| Noninterest income to average assets | 0.1952% | 6,079 |
| Noninterest expense to average assets | 1.6892% | 6,568 |
| Loan and lease loss provision to assets | 0.2789% | 1,259 |
| Net operating income to assets | 2.3634% | 184 |
| Return on assets (ROA) | 2.3634% | 201 |
| Pretax return on assets | 2.3634% | 320 |
| Return on Equity (ROE) | 16.5773% | 547 |
| Retained earnings to average equity (ytd only) | 4.3522% | 3,625 |
| Net charge-offs to loans | -0.2663% | 6,747 |
| Credit loss provision to net charge-offs | -165.9751% | 5,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9989% | 6,888 |
| Assets per employee ($millions) | 9.9153% | 234 |
| Cash dividends to net income (ytd only)* | 73.7463% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0429% | 629 |
| Loan loss allowance to noncurrent loans | 282.1602% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 4,226 |
| Noncurrent loans to loans | 1.0784% | 3,992 |
| Net loans and leases to total assets | 62.1508% | 3,033 |
| Net loans and leases to deposits | 75.8032% | 2,666 |
| Net loans and leases to core deposits | 88.1922% | 1,888 |
| Total domestic deposits to total assets | 81.9897% | 5,191 |
| Equity capital to assets | 14.4310% | 896 |
| Core capital (leverage) ratio | 12.9701% | 1,127 |
| Tier 1 risk-based capital ratio | 17.9952% | 2,363 |
| Total risk-based capital ratio | 19.2636% | 2,321 |
| Memoranda: | ||
| Average total assets | $573,748,000 | 1,182 |
| Average earning assets | $546,013,000 | 1,131 |
| Average equity | $81,798,500 | 889 |
| Average total loans | $361,937,000 | 1,184 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3216% | 887 |
| Cost of funding earning assets | 0.7389% | 3,172 |
| Net interest margin | 4.5827% | 808 |
| Noninterest income to average assets | 0.1417% | 6,328 |
| Noninterest expense to average assets | 1.6102% | 6,797 |
| Loan and lease loss provision to assets | 0.7059% | 725 |
| Net operating income to assets | 2.1594% | 275 |
| Return on assets (ROA) | 2.4342% | 184 |
| Pretax return on assets | 2.4351% | 276 |
| Return on Equity (ROE) | 17.1459% | 518 |
| Retained earnings to average equity (ytd only) | 2.0416% | 4,789 |
| Net charge-offs to loans | 1.1800% | 860 |
| Credit loss provision to net charge-offs | 93.9135% | 3,319 |
| Earnings coverage of net charge-offs (x) | 3.8134% | 3,594 |
| Efficiency ratio | 35.9721% | 6,989 |
| Assets per employee ($millions) | 10.2162% | 217 |
| Cash dividends to net income (ytd only)* | 88.0928% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8715% | 757 |
| Loan loss allowance to noncurrent loans | 222.0013% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 4,303 |
| Noncurrent loans to loans | 1.2935% | 3,677 |
| Net loans and leases to total assets | 60.3114% | 3,549 |
| Net loans and leases to deposits | 73.1667% | 3,228 |
| Net loans and leases to core deposits | 85.4492% | 2,381 |
| Total domestic deposits to total assets | 82.4302% | 4,952 |
| Equity capital to assets | 14.0879% | 1,013 |
| Core capital (leverage) ratio | 12.7295% | 1,231 |
| Tier 1 risk-based capital ratio | 17.8838% | 2,298 |
| Total risk-based capital ratio | 19.1502% | 2,258 |
| Memoranda: | ||
| Average total assets | $559,607,600 | 1,189 |
| Average earning assets | $529,316,400 | 1,137 |
| Average equity | $79,447,600 | 884 |
| Average total loans | $356,451,400 | 1,170 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3702% | 888 |
| Cost of funding earning assets | 0.7521% | 3,336 |
| Net interest margin | 4.6181% | 788 |
| Noninterest income to average assets | 0.1716% | 6,280 |
| Noninterest expense to average assets | 1.5311% | 6,926 |
| Loan and lease loss provision to assets | 0.7341% | 679 |
| Net operating income to assets | 2.2667% | 253 |
| Return on assets (ROA) | 2.5461% | 171 |
| Pretax return on assets | 2.5473% | 269 |
| Return on Equity (ROE) | 17.8980% | 513 |
| Retained earnings to average equity (ytd only) | 2.2639% | 5,205 |
| Net charge-offs to loans | 0.7497% | 1,481 |
| Credit loss provision to net charge-offs | 152.7291% | 1,841 |
| Earnings coverage of net charge-offs (x) | 6.2454% | 2,826 |
| Efficiency ratio | 33.7758% | 7,096 |
| Assets per employee ($millions) | 10.0891% | 227 |
| Cash dividends to net income (ytd only)* | 87.3511% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2902% | 556 |
| Loan loss allowance to noncurrent loans | 171.8906% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.8071% | 2,904 |
| Noncurrent loans to loans | 1.9141% | 2,941 |
| Net loans and leases to total assets | 60.8266% | 3,605 |
| Net loans and leases to deposits | 75.9108% | 2,993 |
| Net loans and leases to core deposits | 87.4735% | 2,284 |
| Total domestic deposits to total assets | 80.1290% | 5,619 |
| Equity capital to assets | 14.5298% | 960 |
| Core capital (leverage) ratio | 13.1100% | 1,147 |
| Tier 1 risk-based capital ratio | 17.9722% | 2,364 |
| Total risk-based capital ratio | 19.2432% | 2,329 |
| Memoranda: | ||
| Average total assets | $553,928,500 | 1,222 |
| Average earning assets | $523,146,000 | 1,170 |
| Average equity | $78,800,250 | 896 |
| Average total loans | $355,166,500 | 1,180 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4114% | 850 |
| Cost of funding earning assets | 0.7665% | 3,472 |
| Net interest margin | 4.6449% | 752 |
| Noninterest income to average assets | 0.1894% | 6,206 |
| Noninterest expense to average assets | 1.5622% | 6,963 |
| Loan and lease loss provision to assets | 0.7270% | 723 |
| Net operating income to assets | 2.2837% | 248 |
| Return on assets (ROA) | 2.4916% | 206 |
| Pretax return on assets | 2.4935% | 303 |
| Return on Equity (ROE) | 17.6441% | 549 |
| Retained earnings to average equity (ytd only) | 1.1711% | 5,607 |
| Net charge-offs to loans | 0.4247% | 2,338 |
| Credit loss provision to net charge-offs | 265.2520% | 1,086 |
| Earnings coverage of net charge-offs (x) | 10.9920% | 2,004 |
| Efficiency ratio | 34.1491% | 7,136 |
| Assets per employee ($millions) | 10.2752% | 213 |
| Cash dividends to net income (ytd only)* | 93.3625% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3211% | 577 |
| Loan loss allowance to noncurrent loans | 158.6359% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 1.7464% | 3,109 |
| Noncurrent loans to loans | 2.0935% | 2,831 |
| Net loans and leases to total assets | 62.3538% | 3,362 |
| Net loans and leases to deposits | 78.3817% | 2,617 |
| Net loans and leases to core deposits | 89.7569% | 2,010 |
| Total domestic deposits to total assets | 79.5515% | 5,851 |
| Equity capital to assets | 14.2549% | 999 |
| Core capital (leverage) ratio | 12.9058% | 1,175 |
| Tier 1 risk-based capital ratio | 17.6763% | 2,401 |
| Total risk-based capital ratio | 18.9476% | 2,363 |
| Memoranda: | ||
| Average total assets | $550,241,330 | 1,232 |
| Average earning assets | $519,499,670 | 1,179 |
| Average equity | $77,703,000 | 903 |
| Average total loans | $355,103,330 | 1,177 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4704% | 795 |
| Cost of funding earning assets | 0.7950% | 3,514 |
| Net interest margin | 4.6754% | 717 |
| Noninterest income to average assets | 0.1387% | 6,551 |
| Noninterest expense to average assets | 1.6469% | 6,940 |
| Loan and lease loss provision to assets | 0.6935% | 761 |
| Net operating income to assets | 2.1995% | 295 |
| Return on assets (ROA) | 2.3966% | 253 |
| Pretax return on assets | 2.4003% | 391 |
| Return on Equity (ROE) | 17.0530% | 662 |
| Retained earnings to average equity (ytd only) | 1.4700% | 5,503 |
| Net charge-offs to loans | 0.2296% | 2,780 |
| Credit loss provision to net charge-offs | 467.9803% | 690 |
| Earnings coverage of net charge-offs (x) | 19.5468% | 1,223 |
| Efficiency ratio | 36.2468% | 7,178 |
| Assets per employee ($millions) | 9.9265% | 240 |
| Cash dividends to net income (ytd only)* | 91.3798% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2082% | 680 |
| Loan loss allowance to noncurrent loans | 174.9270% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 1.7641% | 3,224 |
| Noncurrent loans to loans | 1.8340% | 3,363 |
| Net loans and leases to total assets | 62.9209% | 3,066 |
| Net loans and leases to deposits | 79.2468% | 2,307 |
| Net loans and leases to core deposits | 91.0578% | 1,741 |
| Total domestic deposits to total assets | 79.3987% | 5,998 |
| Equity capital to assets | 14.2435% | 939 |
| Core capital (leverage) ratio | 13.0205% | 1,120 |
| Tier 1 risk-based capital ratio | 17.9953% | 2,293 |
| Total risk-based capital ratio | 19.2658% | 2,257 |
| Memoranda: | ||
| Average total assets | $547,931,500 | 1,239 |
| Average earning assets | $516,235,500 | 1,188 |
| Average equity | $77,007,000 | 906 |
| Average total loans | $353,724,000 | 1,187 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5637% | 1,032 |
| Cost of funding earning assets | 1.0395% | 3,100 |
| Net interest margin | 4.5243% | 1,083 |
| Noninterest income to average assets | 0.1877% | 6,155 |
| Noninterest expense to average assets | 1.5790% | 7,130 |
| Loan and lease loss provision to assets | 0.9147% | 1,051 |
| Net operating income to assets | 1.9786% | 324 |
| Return on assets (ROA) | 2.1318% | 270 |
| Pretax return on assets | 2.1364% | 420 |
| Return on Equity (ROE) | 16.6140% | 520 |
| Retained earnings to average equity (ytd only) | 10.0891% | 545 |
| Net charge-offs to loans | 0.5956% | 2,665 |
| Credit loss provision to net charge-offs | 238.2098% | 1,019 |
| Earnings coverage of net charge-offs (x) | 7.5472% | 2,323 |
| Efficiency ratio | 35.2691% | 7,261 |
| Assets per employee ($millions) | 10.1835% | 220 |
| Cash dividends to net income (ytd only)* | 39.2736% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0178% | 798 |
| Loan loss allowance to noncurrent loans | 197.1646% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 3,589 |
| Noncurrent loans to loans | 1.5306% | 3,854 |
| Net loans and leases to total assets | 62.1746% | 3,568 |
| Net loans and leases to deposits | 77.8803% | 2,862 |
| Net loans and leases to core deposits | 92.1574% | 1,869 |
| Total domestic deposits to total assets | 79.8335% | 5,785 |
| Equity capital to assets | 13.8661% | 1,119 |
| Core capital (leverage) ratio | 13.0031% | 1,138 |
| Tier 1 risk-based capital ratio | 18.1154% | 2,152 |
| Total risk-based capital ratio | 19.3840% | 2,123 |
| Memoranda: | ||
| Average total assets | $541,180,800 | 1,223 |
| Average earning assets | $513,054,800 | 1,172 |
| Average equity | $69,441,600 | 970 |
| Average total loans | $348,898,600 | 1,213 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5936% | 1,045 |
| Cost of funding earning assets | 1.0810% | 3,108 |
| Net interest margin | 4.5126% | 1,113 |
| Noninterest income to average assets | 0.1813% | 6,295 |
| Noninterest expense to average assets | 1.4951% | 7,227 |
| Loan and lease loss provision to assets | 0.9647% | 905 |
| Net operating income to assets | 2.0039% | 338 |
| Return on assets (ROA) | 2.1837% | 280 |
| Pretax return on assets | 2.1880% | 438 |
| Return on Equity (ROE) | 17.3760% | 526 |
| Retained earnings to average equity (ytd only) | 10.6110% | 702 |
| Net charge-offs to loans | 0.6211% | 2,389 |
| Credit loss provision to net charge-offs | 240.5922% | 1,189 |
| Earnings coverage of net charge-offs (x) | 7.4139% | 2,364 |
| Efficiency ratio | 33.4625% | 7,337 |
| Assets per employee ($millions) | 10.2399% | 234 |
| Cash dividends to net income (ytd only)* | 38.9329% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9183% | 919 |
| Loan loss allowance to noncurrent loans | 120.8905% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 1.7761% | 3,435 |
| Noncurrent loans to loans | 2.4140% | 2,868 |
| Net loans and leases to total assets | 61.5776% | 3,819 |
| Net loans and leases to deposits | 76.8410% | 3,189 |
| Net loans and leases to core deposits | 91.1459% | 2,101 |
| Total domestic deposits to total assets | 80.1363% | 5,697 |
| Equity capital to assets | 13.5589% | 1,347 |
| Core capital (leverage) ratio | 12.6155% | 1,382 |
| Tier 1 risk-based capital ratio | 18.0249% | 2,240 |
| Total risk-based capital ratio | 19.2922% | 2,197 |
| Memoranda: | ||
| Average total assets | $538,999,000 | 1,233 |
| Average earning assets | $512,001,750 | 1,180 |
| Average equity | $67,739,250 | 999 |
| Average total loans | $347,987,750 | 1,235 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6228% | 1,032 |
| Cost of funding earning assets | 1.0979% | 3,259 |
| Net interest margin | 4.5249% | 1,068 |
| Noninterest income to average assets | 0.1767% | 6,393 |
| Noninterest expense to average assets | 1.5505% | 7,281 |
| Loan and lease loss provision to assets | 1.0600% | 792 |
| Net operating income to assets | 1.8703% | 430 |
| Return on assets (ROA) | 2.0474% | 329 |
| Pretax return on assets | 2.0474% | 536 |
| Return on Equity (ROE) | 16.7350% | 579 |
| Retained earnings to average equity (ytd only) | 14.1814% | 298 |
| Net charge-offs to loans | 0.3075% | 3,337 |
| Credit loss provision to net charge-offs | 530.7263% | 579 |
| Earnings coverage of net charge-offs (x) | 14.6723% | 1,464 |
| Efficiency ratio | 34.6033% | 7,405 |
| Assets per employee ($millions) | 10.4598% | 217 |
| Cash dividends to net income (ytd only)* | 15.2589% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8713% | 1,014 |
| Loan loss allowance to noncurrent loans | 109.6606% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.8797% | 3,393 |
| Noncurrent loans to loans | 2.6184% | 2,760 |
| Net loans and leases to total assets | 62.6901% | 3,744 |
| Net loans and leases to deposits | 77.2007% | 3,264 |
| Net loans and leases to core deposits | 96.9914% | 1,582 |
| Total domestic deposits to total assets | 81.2040% | 5,457 |
| Equity capital to assets | 12.4852% | 1,786 |
| Core capital (leverage) ratio | 12.6507% | 1,304 |
| Tier 1 risk-based capital ratio | 17.4749% | 2,350 |
| Total risk-based capital ratio | 18.7416% | 2,312 |
| Memoranda: | ||
| Average total assets | $537,760,670 | 1,242 |
| Average earning assets | $511,520,330 | 1,191 |
| Average equity | $65,790,330 | 1,022 |
| Average total loans | $349,238,330 | 1,241 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6198% | 1,021 |
| Cost of funding earning assets | 1.1214% | 3,360 |
| Net interest margin | 4.4983% | 1,078 |
| Noninterest income to average assets | 0.1377% | 6,723 |
| Noninterest expense to average assets | 1.6391% | 7,279 |
| Loan and lease loss provision to assets | 1.2718% | 547 |
| Net operating income to assets | 1.5179% | 843 |
| Return on assets (ROA) | 1.6114% | 714 |
| Pretax return on assets | 1.6114% | 1,162 |
| Return on Equity (ROE) | 13.3104% | 1,124 |
| Retained earnings to average equity (ytd only) | 10.7150% | 952 |
| Net charge-offs to loans | 0.1458% | 3,615 |
| Credit loss provision to net charge-offs | 1,338.5827% | 299 |
| Earnings coverage of net charge-offs (x) | 29.3622% | 841 |
| Efficiency ratio | 37.0101% | 7,429 |
| Assets per employee ($millions) | 10.7259% | 206 |
| Cash dividends to net income (ytd only)* | 19.4986% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6977% | 1,207 |
| Loan loss allowance to noncurrent loans | 98.0783% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 2.0537% | 3,255 |
| Noncurrent loans to loans | 2.7505% | 2,746 |
| Net loans and leases to total assets | 62.8172% | 3,694 |
| Net loans and leases to deposits | 77.3594% | 3,179 |
| Net loans and leases to core deposits | 97.5031% | 1,563 |
| Total domestic deposits to total assets | 81.2017% | 5,605 |
| Equity capital to assets | 12.4102% | 1,675 |
| Core capital (leverage) ratio | 12.1845% | 1,463 |
| Tier 1 risk-based capital ratio | 17.0037% | 2,473 |
| Total risk-based capital ratio | 18.2687% | 2,443 |
| Memoranda: | ||
| Average total assets | $534,686,500 | 1,258 |
| Average earning assets | $510,056,500 | 1,201 |
| Average equity | $64,731,500 | 1,035 |
| Average total loans | $348,329,000 | 1,259 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6661% | 1,694 |
| Cost of funding earning assets | 1.3141% | 3,793 |
| Net interest margin | 4.3520% | 1,639 |
| Noninterest income to average assets | 0.3193% | 5,507 |
| Noninterest expense to average assets | 1.5059% | 7,446 |
| Loan and lease loss provision to assets | 1.9034% | 713 |
| Net operating income to assets | 1.0417% | 1,905 |
| Return on assets (ROA) | 1.2379% | 1,394 |
| Pretax return on assets | 1.2405% | 2,100 |
| Return on Equity (ROE) | 10.3382% | 1,803 |
| Retained earnings to average equity (ytd only) | 6.2999% | 1,663 |
| Net charge-offs to loans | 2.3445% | 821 |
| Credit loss provision to net charge-offs | 124.3676% | 3,313 |
| Earnings coverage of net charge-offs (x) | 1.9260% | 4,285 |
| Efficiency ratio | 33.8135% | 7,560 |
| Assets per employee ($millions) | 10.6616% | 214 |
| Cash dividends to net income (ytd only)* | 39.0618% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2164% | 1,842 |
| Loan loss allowance to noncurrent loans | 81.9563% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 2.0466% | 3,289 |
| Noncurrent loans to loans | 2.7044% | 2,813 |
| Net loans and leases to total assets | 64.2806% | 3,813 |
| Net loans and leases to deposits | 79.5908% | 3,241 |
| Net loans and leases to core deposits | 99.0966% | 1,693 |
| Total domestic deposits to total assets | 80.7639% | 5,605 |
| Equity capital to assets | 11.8009% | 2,040 |
| Core capital (leverage) ratio | 11.7761% | 1,686 |
| Tier 1 risk-based capital ratio | 16.3174% | 2,609 |
| Total risk-based capital ratio | 17.5768% | 2,563 |
| Memoranda: | ||
| Average total assets | $542,459,800 | 1,238 |
| Average earning assets | $515,324,600 | 1,194 |
| Average equity | $64,953,200 | 1,032 |
| Average total loans | $354,109,000 | 1,269 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6420% | 1,907 |
| Cost of funding earning assets | 1.3496% | 3,906 |
| Net interest margin | 4.2924% | 1,869 |
| Noninterest income to average assets | 0.0905% | 7,086 |
| Noninterest expense to average assets | 1.4515% | 7,572 |
| Loan and lease loss provision to assets | 1.3399% | 1,025 |
| Net operating income to assets | 1.3729% | 1,160 |
| Return on assets (ROA) | 1.5553% | 895 |
| Pretax return on assets | 1.5553% | 1,461 |
| Return on Equity (ROE) | 12.9431% | 1,264 |
| Retained earnings to average equity (ytd only) | 9.2363% | 982 |
| Net charge-offs to loans | 1.8086% | 1,067 |
| Credit loss provision to net charge-offs | 113.6836% | 3,685 |
| Earnings coverage of net charge-offs (x) | 2.3017% | 4,012 |
| Efficiency ratio | 34.8554% | 7,643 |
| Assets per employee ($millions) | 10.8823% | 215 |
| Cash dividends to net income (ytd only)* | 28.6389% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8150% | 2,739 |
| Loan loss allowance to noncurrent loans | 61.1732% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 2.4030% | 2,975 |
| Noncurrent loans to loans | 2.9670% | 2,689 |
| Net loans and leases to total assets | 63.6597% | 4,193 |
| Net loans and leases to deposits | 79.3106% | 3,579 |
| Net loans and leases to core deposits | 97.2098% | 2,131 |
| Total domestic deposits to total assets | 80.2663% | 5,618 |
| Equity capital to assets | 12.8958% | 1,631 |
| Core capital (leverage) ratio | 11.7039% | 1,816 |
| Tier 1 risk-based capital ratio | 16.2943% | 2,637 |
| Total risk-based capital ratio | 17.5491% | 2,591 |
| Memoranda: | ||
| Average total assets | $544,804,750 | 1,244 |
| Average earning assets | $517,061,000 | 1,199 |
| Average equity | $65,464,500 | 1,022 |
| Average total loans | $355,027,750 | 1,277 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6517% | 1,932 |
| Cost of funding earning assets | 1.3839% | 3,980 |
| Net interest margin | 4.2678% | 1,900 |
| Noninterest income to average assets | 0.0132% | 7,485 |
| Noninterest expense to average assets | 1.4711% | 7,627 |
| Loan and lease loss provision to assets | 1.2109% | 1,157 |
| Net operating income to assets | 1.3812% | 1,122 |
| Return on assets (ROA) | 1.5122% | 957 |
| Pretax return on assets | 1.5122% | 1,526 |
| Return on Equity (ROE) | 12.8990% | 1,266 |
| Retained earnings to average equity (ytd only) | 8.5044% | 1,262 |
| Net charge-offs to loans | 1.4459% | 1,320 |
| Credit loss provision to net charge-offs | 128.3048% | 3,132 |
| Earnings coverage of net charge-offs (x) | 2.7465% | 3,619 |
| Efficiency ratio | 36.2052% | 7,697 |
| Assets per employee ($millions) | 11.4087% | 184 |
| Cash dividends to net income (ytd only)* | 34.0694% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 2,578 |
| Loan loss allowance to noncurrent loans | 51.2309% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 2.6909% | 2,690 |
| Noncurrent loans to loans | 3.6039% | 2,188 |
| Net loans and leases to total assets | 61.5479% | 4,768 |
| Net loans and leases to deposits | 77.8967% | 3,986 |
| Net loans and leases to core deposits | 99.4336% | 2,079 |
| Total domestic deposits to total assets | 79.0122% | 6,036 |
| Equity capital to assets | 12.1649% | 2,003 |
| Core capital (leverage) ratio | 11.3153% | 2,028 |
| Tier 1 risk-based capital ratio | 15.7399% | 2,785 |
| Total risk-based capital ratio | 16.9949% | 2,747 |
| Memoranda: | ||
| Average total assets | $545,034,670 | 1,251 |
| Average earning assets | $517,220,330 | 1,197 |
| Average equity | $63,896,670 | 1,045 |
| Average total loans | $355,775,330 | 1,289 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6838% | 1,841 |
| Cost of funding earning assets | 1.4157% | 4,081 |
| Net interest margin | 4.2681% | 1,792 |
| Noninterest income to average assets | 0.0112% | 7,620 |
| Noninterest expense to average assets | 1.5330% | 7,699 |
| Loan and lease loss provision to assets | 1.2267% | 989 |
| Net operating income to assets | 1.3107% | 1,273 |
| Return on assets (ROA) | 1.3523% | 1,248 |
| Pretax return on assets | 1.3523% | 1,894 |
| Return on Equity (ROE) | 11.7654% | 1,561 |
| Retained earnings to average equity (ytd only) | 5.8600% | 2,685 |
| Net charge-offs to loans | 1.2612% | 1,352 |
| Credit loss provision to net charge-offs | 146.0177% | 2,434 |
| Earnings coverage of net charge-offs (x) | 3.0204% | 3,043 |
| Efficiency ratio | 37.6621% | 7,775 |
| Assets per employee ($millions) | 11.2614% | 193 |
| Cash dividends to net income (ytd only)* | 50.1924% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 2,920 |
| Loan loss allowance to noncurrent loans | 44.2905% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 2.9413% | 2,441 |
| Noncurrent loans to loans | 3.9294% | 2,014 |
| Net loans and leases to total assets | 65.4278% | 4,014 |
| Net loans and leases to deposits | 82.5816% | 3,180 |
| Net loans and leases to core deposits | 105.5458% | 1,616 |
| Total domestic deposits to total assets | 79.2281% | 6,024 |
| Equity capital to assets | 11.6504% | 2,266 |
| Core capital (leverage) ratio | 11.1600% | 2,124 |
| Tier 1 risk-based capital ratio | 14.9836% | 3,122 |
| Total risk-based capital ratio | 16.2376% | 3,080 |
| Memoranda: | ||
| Average total assets | $538,039,500 | 1,300 |
| Average earning assets | $511,697,500 | 1,243 |
| Average equity | $61,842,500 | 1,082 |
| Average total loans | $358,393,000 | 1,319 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8543% | 2,424 |
| Cost of funding earning assets | 2.0200% | 2,871 |
| Net interest margin | 3.8343% | 3,557 |
| Noninterest income to average assets | 0.4126% | 5,104 |
| Noninterest expense to average assets | 1.4174% | 7,839 |
| Loan and lease loss provision to assets | 1.4999% | 1,535 |
| Net operating income to assets | 1.1046% | 1,497 |
| Return on assets (ROA) | 1.1588% | 1,388 |
| Pretax return on assets | 1.2080% | 1,931 |
| Return on Equity (ROE) | 11.1181% | 1,393 |
| Retained earnings to average equity (ytd only) | 6.3284% | 1,213 |
| Net charge-offs to loans | 1.5021% | 1,669 |
| Credit loss provision to net charge-offs | 148.2379% | 3,162 |
| Earnings coverage of net charge-offs (x) | 2.6205% | 3,808 |
| Efficiency ratio | 34.8356% | 7,906 |
| Assets per employee ($millions) | 11.1569% | 205 |
| Cash dividends to net income (ytd only)* | 43.0804% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6096% | 3,245 |
| Loan loss allowance to noncurrent loans | 39.5021% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 3.1331% | 2,204 |
| Noncurrent loans to loans | 4.0748% | 1,813 |
| Net loans and leases to total assets | 65.5628% | 4,264 |
| Net loans and leases to deposits | 83.0114% | 3,447 |
| Net loans and leases to core deposits | 87.6030% | 5,373 |
| Total domestic deposits to total assets | 78.9805% | 5,983 |
| Equity capital to assets | 11.3362% | 2,445 |
| Core capital (leverage) ratio | 10.9908% | 2,229 |
| Tier 1 risk-based capital ratio | 14.7647% | 3,067 |
| Total risk-based capital ratio | 16.0171% | 3,021 |
| Memoranda: | ||
| Average total assets | $530,050,000 | 1,297 |
| Average earning assets | $505,438,600 | 1,249 |
| Average equity | $55,243,200 | 1,189 |
| Average total loans | $357,038,600 | 1,352 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8876% | 2,505 |
| Cost of funding earning assets | 2.1565% | 2,619 |
| Net interest margin | 3.7311% | 3,943 |
| Noninterest income to average assets | 0.2582% | 6,388 |
| Noninterest expense to average assets | 1.3848% | 7,926 |
| Loan and lease loss provision to assets | 0.9457% | 2,034 |
| Net operating income to assets | 1.4895% | 833 |
| Return on assets (ROA) | 1.4811% | 908 |
| Pretax return on assets | 1.4811% | 1,469 |
| Return on Equity (ROE) | 14.5340% | 831 |
| Retained earnings to average equity (ytd only) | 7.9859% | 1,139 |
| Net charge-offs to loans | 0.8043% | 2,357 |
| Credit loss provision to net charge-offs | 174.0947% | 2,661 |
| Earnings coverage of net charge-offs (x) | 4.4828% | 3,123 |
| Efficiency ratio | 36.2514% | 7,970 |
| Assets per employee ($millions) | 11.3811% | 199 |
| Cash dividends to net income (ytd only)* | 45.0536% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 4,362 |
| Loan loss allowance to noncurrent loans | 53.5127% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 2.0026% | 3,344 |
| Noncurrent loans to loans | 2.4742% | 3,046 |
| Net loans and leases to total assets | 64.8423% | 4,688 |
| Net loans and leases to deposits | 81.1804% | 4,170 |
| Net loans and leases to core deposits | 86.0838% | 5,859 |
| Total domestic deposits to total assets | 79.8744% | 5,481 |
| Equity capital to assets | 11.3699% | 2,696 |
| Core capital (leverage) ratio | 10.8559% | 2,522 |
| Tier 1 risk-based capital ratio | 14.4924% | 3,282 |
| Total risk-based capital ratio | 15.6678% | 3,266 |
| Memoranda: | ||
| Average total assets | $528,679,500 | 1,314 |
| Average earning assets | $504,684,500 | 1,263 |
| Average equity | $53,876,750 | 1,243 |
| Average total loans | $357,084,750 | 1,369 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9231% | 2,484 |
| Cost of funding earning assets | 2.3163% | 2,291 |
| Net interest margin | 3.6068% | 4,333 |
| Noninterest income to average assets | 0.2697% | 6,340 |
| Noninterest expense to average assets | 1.4403% | 7,997 |
| Loan and lease loss provision to assets | 0.6982% | 2,334 |
| Net operating income to assets | 1.5730% | 723 |
| Return on assets (ROA) | 1.4640% | 972 |
| Pretax return on assets | 1.4640% | 1,548 |
| Return on Equity (ROE) | 14.9693% | 831 |
| Retained earnings to average equity (ytd only) | 12.6498% | 363 |
| Net charge-offs to loans | 0.3972% | 3,211 |
| Credit loss provision to net charge-offs | 257.7684% | 1,803 |
| Earnings coverage of net charge-offs (x) | 8.3856% | 2,270 |
| Efficiency ratio | 38.8064% | 8,042 |
| Assets per employee ($millions) | 11.0094% | 206 |
| Cash dividends to net income (ytd only)* | 15.4952% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 5,040 |
| Loan loss allowance to noncurrent loans | 45.3186% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 2.0382% | 3,146 |
| Noncurrent loans to loans | 2.6182% | 2,761 |
| Net loans and leases to total assets | 67.3554% | 4,279 |
| Net loans and leases to deposits | 84.5724% | 3,780 |
| Net loans and leases to core deposits | 92.2518% | 5,318 |
| Total domestic deposits to total assets | 79.6423% | 5,575 |
| Equity capital to assets | 10.2072% | 3,709 |
| Core capital (leverage) ratio | 11.0087% | 2,390 |
| Tier 1 risk-based capital ratio | 14.3836% | 3,314 |
| Total risk-based capital ratio | 15.4357% | 3,348 |
| Memoranda: | ||
| Average total assets | $522,808,330 | 1,350 |
| Average earning assets | $498,895,000 | 1,293 |
| Average equity | $51,131,330 | 1,337 |
| Average total loans | $356,452,330 | 1,398 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9760% | 2,459 |
| Cost of funding earning assets | 2.4794% | 1,995 |
| Net interest margin | 3.4965% | 4,750 |
| Noninterest income to average assets | 0.2592% | 6,375 |
| Noninterest expense to average assets | 1.3877% | 8,045 |
| Loan and lease loss provision to assets | 0.6923% | 1,822 |
| Net operating income to assets | 1.5139% | 914 |
| Return on assets (ROA) | 1.4839% | 1,038 |
| Pretax return on assets | 1.4839% | 1,710 |
| Return on Equity (ROE) | 15.5167% | 889 |
| Retained earnings to average equity (ytd only) | 11.4948% | 880 |
| Net charge-offs to loans | 0.3147% | 2,845 |
| Credit loss provision to net charge-offs | 322.5806% | 1,531 |
| Earnings coverage of net charge-offs (x) | 10.2796% | 1,964 |
| Efficiency ratio | 38.6130% | 8,075 |
| Assets per employee ($millions) | 10.8626% | 217 |
| Cash dividends to net income (ytd only)* | 25.9202% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 5,731 |
| Loan loss allowance to noncurrent loans | 82.6515% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 4,367 |
| Noncurrent loans to loans | 1.2864% | 4,401 |
| Net loans and leases to total assets | 67.4235% | 4,266 |
| Net loans and leases to deposits | 83.5178% | 4,057 |
| Net loans and leases to core deposits | 91.4906% | 5,405 |
| Total domestic deposits to total assets | 80.7295% | 5,079 |
| Equity capital to assets | 9.8166% | 4,223 |
| Core capital (leverage) ratio | 10.7895% | 2,661 |
| Tier 1 risk-based capital ratio | 14.1161% | 3,515 |
| Total risk-based capital ratio | 15.0591% | 3,613 |
| Memoranda: | ||
| Average total assets | $519,988,000 | 1,363 |
| Average earning assets | $495,920,000 | 1,307 |
| Average equity | $49,727,000 | 1,382 |
| Average total loans | $354,572,000 | 1,422 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3643% | 3,613 |
| Cost of funding earning assets | 3.2562% | 1,030 |
| Net interest margin | 3.1081% | 6,630 |
| Noninterest income to average assets | 0.2483% | 6,671 |
| Noninterest expense to average assets | 1.3089% | 8,114 |
| Loan and lease loss provision to assets | 0.2708% | 4,227 |
| Net operating income to assets | 1.6344% | 781 |
| Return on assets (ROA) | 1.3133% | 1,403 |
| Pretax return on assets | 1.3069% | 2,287 |
| Return on Equity (ROE) | 13.1113% | 1,303 |
| Retained earnings to average equity (ytd only) | 6.9541% | 1,165 |
| Net charge-offs to loans | 0.6103% | 2,009 |
| Credit loss provision to net charge-offs | 66.0147% | 6,141 |
| Earnings coverage of net charge-offs (x) | 4.6293% | 3,916 |
| Efficiency ratio | 40.8054% | 8,113 |
| Assets per employee ($millions) | 11.0334% | 204 |
| Cash dividends to net income (ytd only)* | 46.9609% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,719 |
| Loan loss allowance to noncurrent loans | 46.5085% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 1.6112% | 3,026 |
| Noncurrent loans to loans | 1.9185% | 2,870 |
| Net loans and leases to total assets | 67.6203% | 4,532 |
| Net loans and leases to deposits | 87.2521% | 3,901 |
| Net loans and leases to core deposits | 95.4582% | 5,301 |
| Total domestic deposits to total assets | 77.4999% | 5,875 |
| Equity capital to assets | 9.3083% | 4,926 |
| Core capital (leverage) ratio | 10.6937% | 2,830 |
| Tier 1 risk-based capital ratio | 13.8013% | 3,646 |
| Total risk-based capital ratio | 14.5902% | 3,812 |
| Memoranda: | ||
| Average total assets | $498,580,600 | 1,355 |
| Average earning assets | $474,727,600 | 1,302 |
| Average equity | $49,941,800 | 1,354 |
| Average total loans | $335,099,800 | 1,448 |