Home > Chemung Canal Trust Company > Performance and Condition Ratios
Chemung Canal Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 3,381 |
| Cost of funding earning assets | 1.8160% | 2,414 |
| Net interest margin | 3.0285% | 3,341 |
| Noninterest income to average assets | 0.8200% | 787 |
| Noninterest expense to average assets | 2.3760% | 2,644 |
| Loan and lease loss provision to assets | 0.1600% | 793 |
| Net operating income to assets | 0.8828% | 2,628 |
| Return on assets (ROA) | 0.8791% | 2,644 |
| Pretax return on assets | 1.1250% | 2,433 |
| Return on Equity (ROE) | 11.3300% | 1,928 |
| Retained earnings to average equity (ytd only) | 8.4929% | 1,560 |
| Net charge-offs to loans | 0.0503% | 1,156 |
| Credit loss provision to net charge-offs | 532.8244% | 514 |
| Earnings coverage of net charge-offs (x) | 34.2023% | 1,168 |
| Efficiency ratio | 64.8726% | 2,373 |
| Assets per employee ($millions) | 8.3983% | 1,352 |
| Cash dividends to net income (ytd only)* | 25.0204% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 2,852 |
| Loan loss allowance to noncurrent loans | 228.0016% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 1,885 |
| Noncurrent loans to loans | 0.4708% | 1,944 |
| Net loans and leases to total assets | 74.2100% | 1,305 |
| Net loans and leases to deposits | 85.1578% | 1,578 |
| Net loans and leases to core deposits | 92.2476% | 1,889 |
| Total domestic deposits to total assets | 87.1400% | 1,864 |
| Equity capital to assets | 7.9647% | 3,610 |
| Core capital (leverage) ratio | 9.0697% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1920% | 2,137 |
| Memoranda: | ||
| Average total assets | $2,786,040,000 | 457 |
| Average earning assets | $2,617,147,500 | 443 |
| Average equity | $216,227,500 | 560 |
| Average total loans | $2,084,669,500 | 428 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 345,620.0000% | 5 |
| Cost of funding earning assets | -46.0000% | 4,511 |
| Net interest margin | 0.0001% | 4,446 |
| Noninterest income to average assets | 6.0000% | 134 |
| Noninterest expense to average assets | 0.0017% | 4,467 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | 0.0000% | 4,165 |
| Return on assets (ROA) | 0.8632% | 2,513 |
| Pretax return on assets | 1.0982% | 2,253 |
| Return on Equity (ROE) | 12.0000% | 1,610 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 1,549.0000% | 2 |
| Credit loss provision to net charge-offs | 4.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,555 |
| Efficiency ratio | 112,889.0000% | 5 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 3.4208% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8,171.0000% | 5 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0010% | 4,393 |
| Total domestic deposits to total assets | 1.6670% | 4,403 |
| Equity capital to assets | 1,068,375.0000% | 4 |
| Core capital (leverage) ratio | 0.4194% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $741,000 | 4,492 |
| Average earning assets | $5,749 | 4,471 |
| Average equity | $0 | 4,450 |
| Average total loans | $0 | 4,379 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 345,826.0000% | 8 |
| Cost of funding earning assets | -597.0000% | 4,542 |
| Net interest margin | 0.0001% | 4,478 |
| Noninterest income to average assets | 9.0000% | 99 |
| Noninterest expense to average assets | 0.0022% | 4,488 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | 0.0000% | 4,206 |
| Return on assets (ROA) | 0.8647% | 2,504 |
| Pretax return on assets | 1.1004% | 2,249 |
| Return on Equity (ROE) | 12.1800% | 1,567 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 1,082.0000% | 4 |
| Credit loss provision to net charge-offs | 3.0000% | 2,235 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,520 |
| Efficiency ratio | 53,757.0000% | 5 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 4.9991% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7,673.0000% | 9 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 0.0000% | 4,409 |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0011% | 4,402 |
| Total domestic deposits to total assets | 1.7488% | 4,435 |
| Equity capital to assets | 1,042,007.0000% | 2 |
| Core capital (leverage) ratio | 0.4138% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $507,000 | 4,519 |
| Average earning assets | $5,497 | 4,503 |
| Average equity | $0 | 4,479 |
| Average total loans | $0 | 4,410 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 347,350.0000% | 4 |
| Cost of funding earning assets | -1,161.0000% | 4,565 |
| Net interest margin | 0.0001% | 4,496 |
| Noninterest income to average assets | 5.0000% | 138 |
| Noninterest expense to average assets | 0.0032% | 4,510 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | 0.0000% | 4,224 |
| Return on assets (ROA) | 0.8837% | 2,360 |
| Pretax return on assets | 1.1287% | 2,129 |
| Return on Equity (ROE) | 12.8400% | 1,406 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 784.0000% | 2 |
| Credit loss provision to net charge-offs | 2.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,389 |
| Efficiency ratio | 83,835.0000% | 5 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 5.3152% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7,236.0000% | 5 |
| Loan loss allowance to noncurrent loans | 851.0000% | 869 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,430 |
| Net loans and leases to deposits | 0.0000% | 4,441 |
| Net loans and leases to core deposits | 0.0011% | 4,446 |
| Total domestic deposits to total assets | 1.7975% | 4,451 |
| Equity capital to assets | 979,293.0000% | 3 |
| Core capital (leverage) ratio | 0.4048% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,000 | 4,548 |
| Average earning assets | $4,705 | 4,527 |
| Average equity | $0 | 4,494 |
| Average total loans | $0 | 4,430 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 3,030 |
| Cost of funding earning assets | 1.4168% | 1,815 |
| Net interest margin | 3.0198% | 3,307 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.3667% | 2,608 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0192% | 2,308 |
| Return on assets (ROA) | 1.0218% | 2,285 |
| Pretax return on assets | 1.3094% | 2,009 |
| Return on Equity (ROE) | 16.6900% | 1,134 |
| Retained earnings to average equity (ytd only) | 13.1107% | 796 |
| Net charge-offs to loans | 0.0545% | 1,124 |
| Credit loss provision to net charge-offs | 128.4416% | 1,433 |
| Earnings coverage of net charge-offs (x) | 35.1727% | 1,516 |
| Efficiency ratio | 63.6069% | 2,546 |
| Assets per employee ($millions) | 8.2462% | 1,233 |
| Cash dividends to net income (ytd only)* | 21.4513% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,120 |
| Loan loss allowance to noncurrent loans | 297.2552% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 1,963 |
| Noncurrent loans to loans | 0.3529% | 1,959 |
| Net loans and leases to total assets | 70.6300% | 1,753 |
| Net loans and leases to deposits | 77.0524% | 2,329 |
| Net loans and leases to core deposits | 84.7458% | 2,278 |
| Total domestic deposits to total assets | 91.6700% | 525 |
| Equity capital to assets | 5.9149% | 4,018 |
| Core capital (leverage) ratio | 8.2867% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5111% | 2,449 |
| Memoranda: | ||
| Average total assets | $2,666,607,750 | 439 |
| Average earning assets | $2,492,471,500 | 423 |
| Average equity | $163,252,250 | 624 |
| Average total loans | $1,882,131,500 | 428 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 3,025 |
| Cost of funding earning assets | 1.2445% | 1,866 |
| Net interest margin | 3.0919% | 3,240 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.4037% | 2,470 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9625% | 2,537 |
| Return on assets (ROA) | 0.9714% | 2,507 |
| Pretax return on assets | 1.2490% | 2,229 |
| Return on Equity (ROE) | 15.6900% | 1,322 |
| Retained earnings to average equity (ytd only) | 12.1308% | 957 |
| Net charge-offs to loans | 0.0444% | 1,062 |
| Credit loss provision to net charge-offs | 133.5749% | 1,269 |
| Earnings coverage of net charge-offs (x) | 40.9082% | 1,386 |
| Efficiency ratio | 65.3178% | 2,332 |
| Assets per employee ($millions) | 7.7397% | 1,448 |
| Cash dividends to net income (ytd only)* | 22.6687% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,115 |
| Loan loss allowance to noncurrent loans | 275.9130% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 1,801 |
| Noncurrent loans to loans | 0.3859% | 1,766 |
| Net loans and leases to total assets | 70.2000% | 1,717 |
| Net loans and leases to deposits | 78.2814% | 2,108 |
| Net loans and leases to core deposits | 86.5977% | 2,026 |
| Total domestic deposits to total assets | 89.6800% | 1,019 |
| Equity capital to assets | 6.2747% | 4,073 |
| Core capital (leverage) ratio | 8.1264% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4529% | 2,479 |
| Memoranda: | ||
| Average total assets | $2,653,890,333 | 427 |
| Average earning assets | $2,488,736,000 | 411 |
| Average equity | $164,341,667 | 622 |
| Average total loans | $1,865,946,333 | 416 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 2,985 |
| Cost of funding earning assets | 1.0137% | 2,001 |
| Net interest margin | 3.2136% | 3,084 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 2.4150% | 2,488 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0301% | 2,439 |
| Return on assets (ROA) | 1.0394% | 2,377 |
| Pretax return on assets | 1.3433% | 2,045 |
| Return on Equity (ROE) | 16.9000% | 1,191 |
| Retained earnings to average equity (ytd only) | 13.3097% | 1,042 |
| Net charge-offs to loans | 0.0581% | 792 |
| Credit loss provision to net charge-offs | 115.6134% | 1,046 |
| Earnings coverage of net charge-offs (x) | 33.7695% | 1,260 |
| Efficiency ratio | 63.7481% | 2,492 |
| Assets per employee ($millions) | 7.9339% | 1,375 |
| Cash dividends to net income (ytd only)* | 21.2364% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,197 |
| Loan loss allowance to noncurrent loans | 259.6353% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 1,667 |
| Noncurrent loans to loans | 0.4127% | 1,696 |
| Net loans and leases to total assets | 69.9500% | 1,633 |
| Net loans and leases to deposits | 79.3300% | 1,864 |
| Net loans and leases to core deposits | 85.3129% | 1,908 |
| Total domestic deposits to total assets | 88.1800% | 1,861 |
| Equity capital to assets | 6.3392% | 4,091 |
| Core capital (leverage) ratio | 7.9764% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3398% | 2,619 |
| Memoranda: | ||
| Average total assets | $2,645,745,500 | 444 |
| Average earning assets | $2,479,349,000 | 428 |
| Average equity | $162,739,000 | 636 |
| Average total loans | $1,851,574,000 | 422 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4548% | 3,195 |
| Cost of funding earning assets | 0.3097% | 2,794 |
| Net interest margin | 3.1451% | 3,038 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.3735% | 2,501 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.1071% | 2,143 |
| Return on assets (ROA) | 1.0960% | 2,129 |
| Pretax return on assets | 1.4241% | 1,700 |
| Return on Equity (ROE) | 16.1000% | 1,035 |
| Retained earnings to average equity (ytd only) | 12.6994% | 552 |
| Net charge-offs to loans | 0.0491% | 1,185 |
| Credit loss provision to net charge-offs | -68.2266% | 4,569 |
| Earnings coverage of net charge-offs (x) | 43.6613% | 1,449 |
| Efficiency ratio | 62.6176% | 2,684 |
| Assets per employee ($millions) | 7.8385% | 1,415 |
| Cash dividends to net income (ytd only)* | 21.1428% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,012 |
| Loan loss allowance to noncurrent loans | 240.0244% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 1,594 |
| Noncurrent loans to loans | 0.4477% | 1,590 |
| Net loans and leases to total assets | 68.5100% | 1,784 |
| Net loans and leases to deposits | 77.6241% | 1,987 |
| Net loans and leases to core deposits | 81.3340% | 2,048 |
| Total domestic deposits to total assets | 88.2600% | 1,990 |
| Equity capital to assets | 5.9621% | 4,103 |
| Core capital (leverage) ratio | 7.9125% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1017% | 2,705 |
| Memoranda: | ||
| Average total assets | $2,503,755,200 | 454 |
| Average earning assets | $2,356,845,000 | 440 |
| Average equity | $170,401,600 | 612 |
| Average total loans | $1,655,055,600 | 436 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2616% | 3,282 |
| Cost of funding earning assets | 0.2112% | 3,135 |
| Net interest margin | 3.0504% | 3,074 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.3569% | 2,450 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.1212% | 1,999 |
| Return on assets (ROA) | 1.1022% | 2,050 |
| Pretax return on assets | 1.4331% | 1,622 |
| Return on Equity (ROE) | 15.6800% | 1,043 |
| Retained earnings to average equity (ytd only) | 12.3371% | 720 |
| Net charge-offs to loans | 0.0630% | 861 |
| Credit loss provision to net charge-offs | -214.7175% | 4,665 |
| Earnings coverage of net charge-offs (x) | 33.3154% | 1,473 |
| Efficiency ratio | 63.2369% | 2,654 |
| Assets per employee ($millions) | 7.8633% | 1,392 |
| Cash dividends to net income (ytd only)* | 21.2953% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,150 |
| Loan loss allowance to noncurrent loans | 223.7420% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 1,605 |
| Noncurrent loans to loans | 0.4778% | 1,602 |
| Net loans and leases to total assets | 67.6700% | 1,712 |
| Net loans and leases to deposits | 73.7736% | 2,077 |
| Net loans and leases to core deposits | 78.6953% | 1,994 |
| Total domestic deposits to total assets | 91.7300% | 961 |
| Equity capital to assets | 5.7654% | 4,055 |
| Core capital (leverage) ratio | 8.0318% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0539% | 2,799 |
| Memoranda: | ||
| Average total assets | $2,469,302,000 | 457 |
| Average earning assets | $2,328,679,750 | 441 |
| Average equity | $173,628,500 | 604 |
| Average total loans | $1,611,457,750 | 438 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1112% | 3,276 |
| Cost of funding earning assets | 0.1453% | 3,633 |
| Net interest margin | 2.9660% | 2,985 |
| Noninterest income to average assets | 0.8861% | 869 |
| Noninterest expense to average assets | 2.3700% | 2,335 |
| Loan and lease loss provision to assets | -0.2365% | 4,703 |
| Net operating income to assets | 1.1967% | 1,442 |
| Return on assets (ROA) | 1.1740% | 1,501 |
| Pretax return on assets | 1.5319% | 1,098 |
| Return on Equity (ROE) | 15.7136% | 754 |
| Retained earnings to average equity (ytd only) | 12.5384% | 524 |
| Net charge-offs to loans | 0.0831% | 657 |
| Credit loss provision to net charge-offs | -443.7788% | 3,354 |
| Earnings coverage of net charge-offs (x) | 24.8449% | 1,470 |
| Efficiency ratio | 64.1249% | 2,755 |
| Assets per employee ($millions) | 7.6404% | 1,524 |
| Cash dividends to net income (ytd only)* | 20.2064% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,228 |
| Loan loss allowance to noncurrent loans | 236.6996% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 1,754 |
| Noncurrent loans to loans | 0.4567% | 1,745 |
| Net loans and leases to total assets | 65.4445% | 1,764 |
| Net loans and leases to deposits | 73.2049% | 1,941 |
| Net loans and leases to core deposits | 75.8813% | 2,028 |
| Total domestic deposits to total assets | 89.3991% | 2,000 |
| Equity capital to assets | 6.8118% | 3,864 |
| Core capital (leverage) ratio | 8.0674% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8834% | 2,541 |
| Memoranda: | ||
| Average total assets | $2,443,168,333 | 456 |
| Average earning assets | $2,312,982,667 | 444 |
| Average equity | $182,542,667 | 583 |
| Average total loans | $1,567,692,333 | 444 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0082% | 3,231 |
| Cost of funding earning assets | 0.1348% | 3,702 |
| Net interest margin | 2.8734% | 2,917 |
| Noninterest income to average assets | 0.9060% | 829 |
| Noninterest expense to average assets | 2.4061% | 2,138 |
| Loan and lease loss provision to assets | -0.1875% | 4,680 |
| Net operating income to assets | 1.0901% | 1,552 |
| Return on assets (ROA) | 1.0754% | 1,597 |
| Pretax return on assets | 1.3989% | 1,259 |
| Return on Equity (ROE) | 13.7839% | 876 |
| Retained earnings to average equity (ytd only) | 10.7420% | 834 |
| Net charge-offs to loans | -0.0124% | 3,674 |
| Credit loss provision to net charge-offs | 2,385.4167% | 185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1231% | 2,758 |
| Assets per employee ($millions) | 7.5111% | 1,674 |
| Cash dividends to net income (ytd only)* | 22.0682% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,488 |
| Loan loss allowance to noncurrent loans | 258.3020% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 1,826 |
| Noncurrent loans to loans | 0.4924% | 1,798 |
| Net loans and leases to total assets | 62.5998% | 1,786 |
| Net loans and leases to deposits | 68.6717% | 2,082 |
| Net loans and leases to core deposits | 69.6004% | 2,324 |
| Total domestic deposits to total assets | 91.1581% | 951 |
| Equity capital to assets | 7.1914% | 4,104 |
| Core capital (leverage) ratio | 7.9245% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1739% | 2,541 |
| Memoranda: | ||
| Average total assets | $2,442,284,000 | 460 |
| Average earning assets | $2,320,428,500 | 448 |
| Average equity | $190,541,500 | 575 |
| Average total loans | $1,542,757,500 | 450 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0545% | 3,773 |
| Cost of funding earning assets | 0.1515% | 3,955 |
| Net interest margin | 2.9029% | 3,432 |
| Noninterest income to average assets | 0.9442% | 1,106 |
| Noninterest expense to average assets | 2.3408% | 2,684 |
| Loan and lease loss provision to assets | 0.0007% | 3,053 |
| Net operating income to assets | 1.0458% | 2,495 |
| Return on assets (ROA) | 1.0512% | 2,554 |
| Pretax return on assets | 1.3612% | 2,169 |
| Return on Equity (ROE) | 12.8131% | 1,520 |
| Retained earnings to average equity (ytd only) | 9.9716% | 925 |
| Net charge-offs to loans | -0.0054% | 3,571 |
| Credit loss provision to net charge-offs | -20.4819% | 3,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0576% | 2,706 |
| Assets per employee ($millions) | 7.2913% | 1,733 |
| Cash dividends to net income (ytd only)* | 22.1770% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,976 |
| Loan loss allowance to noncurrent loans | 259.2478% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 1,864 |
| Noncurrent loans to loans | 0.5340% | 1,794 |
| Net loans and leases to total assets | 62.0542% | 1,936 |
| Net loans and leases to deposits | 69.3608% | 2,188 |
| Net loans and leases to core deposits | 70.2984% | 2,415 |
| Total domestic deposits to total assets | 89.4657% | 1,259 |
| Equity capital to assets | 8.4268% | 4,099 |
| Core capital (leverage) ratio | 7.7432% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6899% | 2,366 |
| Memoranda: | ||
| Average total assets | $2,382,514,800 | 452 |
| Average earning assets | $2,258,403,800 | 445 |
| Average equity | $195,456,000 | 558 |
| Average total loans | $1,542,282,600 | 463 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0430% | 3,922 |
| Cost of funding earning assets | 0.1556% | 4,059 |
| Net interest margin | 2.8874% | 3,578 |
| Noninterest income to average assets | 0.9573% | 1,139 |
| Noninterest expense to average assets | 2.3218% | 2,686 |
| Loan and lease loss provision to assets | -0.0030% | 4,295 |
| Net operating income to assets | 1.0582% | 2,701 |
| Return on assets (ROA) | 1.0633% | 2,745 |
| Pretax return on assets | 1.3777% | 2,411 |
| Return on Equity (ROE) | 13.0514% | 1,682 |
| Retained earnings to average equity (ytd only) | 10.2232% | 1,257 |
| Net charge-offs to loans | -0.0059% | 3,490 |
| Credit loss provision to net charge-offs | 76.8116% | 1,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5677% | 2,601 |
| Assets per employee ($millions) | 7.3781% | 1,634 |
| Cash dividends to net income (ytd only)* | 21.6696% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 2,106 |
| Loan loss allowance to noncurrent loans | 250.1194% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 2,014 |
| Noncurrent loans to loans | 0.5519% | 1,933 |
| Net loans and leases to total assets | 62.0047% | 2,002 |
| Net loans and leases to deposits | 68.6868% | 2,373 |
| Net loans and leases to core deposits | 69.5954% | 2,632 |
| Total domestic deposits to total assets | 90.2717% | 646 |
| Equity capital to assets | 8.2045% | 4,405 |
| Core capital (leverage) ratio | 7.6521% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5475% | 2,529 |
| Memoranda: | ||
| Average total assets | $2,374,791,750 | 457 |
| Average earning assets | $2,247,597,750 | 450 |
| Average equity | $193,476,750 | 564 |
| Average total loans | $1,548,192,000 | 467 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0160% | 4,013 |
| Cost of funding earning assets | 0.1631% | 4,102 |
| Net interest margin | 2.8529% | 3,672 |
| Noninterest income to average assets | 0.9716% | 1,118 |
| Noninterest expense to average assets | 2.3065% | 2,753 |
| Loan and lease loss provision to assets | -0.0346% | 4,476 |
| Net operating income to assets | 1.0676% | 2,656 |
| Return on assets (ROA) | 1.0763% | 2,692 |
| Pretax return on assets | 1.4073% | 2,315 |
| Return on Equity (ROE) | 13.2426% | 1,635 |
| Retained earnings to average equity (ytd only) | 10.4736% | 1,260 |
| Net charge-offs to loans | -0.0207% | 4,009 |
| Credit loss provision to net charge-offs | 254.0373% | 958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4420% | 2,667 |
| Assets per employee ($millions) | 7.2400% | 1,639 |
| Cash dividends to net income (ytd only)* | 20.9094% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 2,307 |
| Loan loss allowance to noncurrent loans | 240.9790% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 2,139 |
| Noncurrent loans to loans | 0.5507% | 2,022 |
| Net loans and leases to total assets | 64.7369% | 1,861 |
| Net loans and leases to deposits | 71.8046% | 2,226 |
| Net loans and leases to core deposits | 72.7876% | 2,541 |
| Total domestic deposits to total assets | 90.1571% | 697 |
| Equity capital to assets | 8.2655% | 4,383 |
| Core capital (leverage) ratio | 7.3714% | 4,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5599% | 2,524 |
| Memoranda: | ||
| Average total assets | $2,362,174,667 | 457 |
| Average earning assets | $2,232,805,000 | 450 |
| Average equity | $191,987,000 | 563 |
| Average total loans | $1,558,625,333 | 465 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0124% | 4,056 |
| Cost of funding earning assets | 0.1717% | 4,149 |
| Net interest margin | 2.8407% | 3,668 |
| Noninterest income to average assets | 0.9031% | 1,318 |
| Noninterest expense to average assets | 2.2796% | 2,850 |
| Loan and lease loss provision to assets | -0.0440% | 4,641 |
| Net operating income to assets | 1.0437% | 2,658 |
| Return on assets (ROA) | 1.0484% | 2,724 |
| Pretax return on assets | 1.3527% | 2,422 |
| Return on Equity (ROE) | 13.0110% | 1,669 |
| Retained earnings to average equity (ytd only) | 10.4573% | 1,534 |
| Net charge-offs to loans | -0.0626% | 4,481 |
| Credit loss provision to net charge-offs | 106.1475% | 1,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1594% | 2,583 |
| Assets per employee ($millions) | 7.3414% | 1,564 |
| Cash dividends to net income (ytd only)* | 19.6275% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 2,334 |
| Loan loss allowance to noncurrent loans | 224.0090% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 2,254 |
| Noncurrent loans to loans | 0.5903% | 2,094 |
| Net loans and leases to total assets | 64.0182% | 2,038 |
| Net loans and leases to deposits | 70.5037% | 2,460 |
| Net loans and leases to core deposits | 71.4888% | 2,746 |
| Total domestic deposits to total assets | 90.8012% | 473 |
| Equity capital to assets | 7.6852% | 4,644 |
| Core capital (leverage) ratio | 7.4534% | 4,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4602% | 2,508 |
| Memoranda: | ||
| Average total assets | $2,355,900,000 | 450 |
| Average earning assets | $2,222,026,000 | 443 |
| Average equity | $189,839,000 | 560 |
| Average total loans | $1,558,938,500 | 465 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5472% | 3,930 |
| Cost of funding earning assets | 0.2119% | 4,543 |
| Net interest margin | 3.3353% | 2,971 |
| Noninterest income to average assets | 0.9922% | 1,057 |
| Noninterest expense to average assets | 2.7655% | 2,030 |
| Loan and lease loss provision to assets | 0.2099% | 1,872 |
| Net operating income to assets | 0.8936% | 2,725 |
| Return on assets (ROA) | 0.8990% | 2,833 |
| Pretax return on assets | 1.1354% | 2,566 |
| Return on Equity (ROE) | 9.7678% | 2,085 |
| Retained earnings to average equity (ytd only) | 4.4127% | 2,585 |
| Net charge-offs to loans | 0.4712% | 347 |
| Credit loss provision to net charge-offs | 62.4025% | 3,080 |
| Earnings coverage of net charge-offs (x) | 3.9800% | 3,040 |
| Efficiency ratio | 66.8030% | 2,387 |
| Assets per employee ($millions) | 6.7895% | 1,719 |
| Cash dividends to net income (ytd only)* | 54.8238% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,137 |
| Loan loss allowance to noncurrent loans | 210.6726% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 2,245 |
| Noncurrent loans to loans | 0.6463% | 2,061 |
| Net loans and leases to total assets | 66.6401% | 2,001 |
| Net loans and leases to deposits | 74.2667% | 2,458 |
| Net loans and leases to core deposits | 75.4203% | 2,781 |
| Total domestic deposits to total assets | 89.7308% | 667 |
| Equity capital to assets | 8.4575% | 4,477 |
| Core capital (leverage) ratio | 7.5901% | 4,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1191% | 2,583 |
| Memoranda: | ||
| Average total assets | $2,020,009,400 | 472 |
| Average earning assets | $1,884,548,200 | 467 |
| Average equity | $185,916,400 | 545 |
| Average total loans | $1,441,668,000 | 463 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 3,957 |
| Cost of funding earning assets | 0.2234% | 4,594 |
| Net interest margin | 3.4036% | 2,910 |
| Noninterest income to average assets | 1.0004% | 1,020 |
| Noninterest expense to average assets | 2.7609% | 2,088 |
| Loan and lease loss provision to assets | 0.2719% | 1,489 |
| Net operating income to assets | 0.9017% | 2,702 |
| Return on assets (ROA) | 0.9043% | 2,817 |
| Pretax return on assets | 1.1384% | 2,610 |
| Return on Equity (ROE) | 9.5991% | 2,167 |
| Retained earnings to average equity (ytd only) | 5.4452% | 2,352 |
| Net charge-offs to loans | 0.2704% | 577 |
| Credit loss provision to net charge-offs | 138.6996% | 2,396 |
| Earnings coverage of net charge-offs (x) | 7.1780% | 2,594 |
| Efficiency ratio | 65.6371% | 2,515 |
| Assets per employee ($millions) | 6.5263% | 1,809 |
| Cash dividends to net income (ytd only)* | 43.2738% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 1,114 |
| Loan loss allowance to noncurrent loans | 156.4747% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7546% | 1,538 |
| Noncurrent loans to loans | 1.0201% | 1,465 |
| Net loans and leases to total assets | 70.1769% | 1,918 |
| Net loans and leases to deposits | 78.6801% | 2,458 |
| Net loans and leases to core deposits | 79.9212% | 2,850 |
| Total domestic deposits to total assets | 89.1927% | 691 |
| Equity capital to assets | 8.8271% | 4,236 |
| Core capital (leverage) ratio | 8.1248% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5214% | 2,407 |
| Memoranda: | ||
| Average total assets | $1,956,394,250 | 478 |
| Average earning assets | $1,820,645,000 | 474 |
| Average equity | $184,304,500 | 539 |
| Average total loans | $1,417,926,750 | 464 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7410% | 4,002 |
| Cost of funding earning assets | 0.2515% | 4,617 |
| Net interest margin | 3.4895% | 2,824 |
| Noninterest income to average assets | 1.0093% | 967 |
| Noninterest expense to average assets | 2.8675% | 1,920 |
| Loan and lease loss provision to assets | 0.3504% | 1,206 |
| Net operating income to assets | 0.8273% | 2,948 |
| Return on assets (ROA) | 0.8253% | 3,072 |
| Pretax return on assets | 1.0315% | 2,925 |
| Return on Equity (ROE) | 8.5553% | 2,543 |
| Retained earnings to average equity (ytd only) | 5.7965% | 2,157 |
| Net charge-offs to loans | 0.3859% | 408 |
| Credit loss provision to net charge-offs | 124.5390% | 2,258 |
| Earnings coverage of net charge-offs (x) | 4.9198% | 2,553 |
| Efficiency ratio | 66.8153% | 2,402 |
| Assets per employee ($millions) | 5.9460% | 2,233 |
| Cash dividends to net income (ytd only)* | 32.2469% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 986 |
| Loan loss allowance to noncurrent loans | 139.4395% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.8603% | 1,443 |
| Noncurrent loans to loans | 1.1541% | 1,366 |
| Net loans and leases to total assets | 72.1302% | 1,683 |
| Net loans and leases to deposits | 81.3881% | 2,270 |
| Net loans and leases to core deposits | 82.5879% | 2,729 |
| Total domestic deposits to total assets | 88.6250% | 897 |
| Equity capital to assets | 9.2306% | 3,895 |
| Core capital (leverage) ratio | 8.4335% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7443% | 2,294 |
| Memoranda: | ||
| Average total assets | $1,888,459,000 | 485 |
| Average earning assets | $1,754,871,000 | 483 |
| Average equity | $182,178,667 | 544 |
| Average total loans | $1,377,051,667 | 468 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9027% | 4,027 |
| Cost of funding earning assets | 0.3157% | 4,608 |
| Net interest margin | 3.5870% | 2,709 |
| Noninterest income to average assets | 1.0493% | 774 |
| Noninterest expense to average assets | 3.0533% | 1,755 |
| Loan and lease loss provision to assets | 0.6740% | 392 |
| Net operating income to assets | 0.5175% | 3,851 |
| Return on assets (ROA) | 0.4880% | 3,980 |
| Pretax return on assets | 0.6095% | 3,905 |
| Return on Equity (ROE) | 4.9378% | 3,655 |
| Retained earnings to average equity (ytd only) | 2.1066% | 3,405 |
| Net charge-offs to loans | 0.0894% | 1,159 |
| Credit loss provision to net charge-offs | 1,037.4150% | 558 |
| Earnings coverage of net charge-offs (x) | 20.3231% | 1,419 |
| Efficiency ratio | 69.1425% | 2,494 |
| Assets per employee ($millions) | 5.1592% | 2,471 |
| Cash dividends to net income (ytd only)* | 57.3370% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 509 |
| Loan loss allowance to noncurrent loans | 145.8929% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 1,319 |
| Noncurrent loans to loans | 1.3609% | 1,181 |
| Net loans and leases to total assets | 70.5089% | 2,169 |
| Net loans and leases to deposits | 80.3246% | 2,644 |
| Net loans and leases to core deposits | 81.7272% | 3,039 |
| Total domestic deposits to total assets | 87.7799% | 1,195 |
| Equity capital to assets | 9.9234% | 3,861 |
| Core capital (leverage) ratio | 9.0097% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1305% | 2,640 |
| Memoranda: | ||
| Average total assets | $1,809,983,000 | 489 |
| Average earning assets | $1,677,504,500 | 484 |
| Average equity | $178,866,000 | 549 |
| Average total loans | $1,315,833,000 | 475 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 4,103 |
| Cost of funding earning assets | 0.3852% | 4,491 |
| Net interest margin | 3.6853% | 2,850 |
| Noninterest income to average assets | 1.1116% | 771 |
| Noninterest expense to average assets | 3.1580% | 1,616 |
| Loan and lease loss provision to assets | 0.3363% | 465 |
| Net operating income to assets | 0.8410% | 3,416 |
| Return on assets (ROA) | 0.8484% | 3,480 |
| Pretax return on assets | 1.0514% | 3,328 |
| Return on Equity (ROE) | 8.9115% | 2,793 |
| Retained earnings to average equity (ytd only) | 6.6677% | 1,537 |
| Net charge-offs to loans | 0.1082% | 1,646 |
| Credit loss provision to net charge-offs | 421.3324% | 678 |
| Earnings coverage of net charge-offs (x) | 17.2693% | 2,117 |
| Efficiency ratio | 68.8528% | 2,335 |
| Assets per employee ($millions) | 5.0233% | 2,566 |
| Cash dividends to net income (ytd only)* | 25.1784% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 672 |
| Loan loss allowance to noncurrent loans | 130.0737% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 1,197 |
| Noncurrent loans to loans | 1.3774% | 1,078 |
| Net loans and leases to total assets | 72.1665% | 2,067 |
| Net loans and leases to deposits | 81.6037% | 2,603 |
| Net loans and leases to core deposits | 83.0616% | 3,035 |
| Total domestic deposits to total assets | 88.4352% | 924 |
| Equity capital to assets | 9.8397% | 4,068 |
| Core capital (leverage) ratio | 8.9764% | 4,547 |
| Tier 1 risk-based capital ratio | 12.1918% | 4,249 |
| Total risk-based capital ratio | 13.4486% | 4,127 |
| Memoranda: | ||
| Average total assets | $1,767,602,400 | 480 |
| Average earning assets | $1,642,732,200 | 471 |
| Average equity | $168,287,800 | 547 |
| Average total loans | $1,303,890,600 | 461 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 4,205 |
| Cost of funding earning assets | 0.3865% | 4,545 |
| Net interest margin | 3.6909% | 2,950 |
| Noninterest income to average assets | 1.0962% | 763 |
| Noninterest expense to average assets | 3.0927% | 1,728 |
| Loan and lease loss provision to assets | 0.4297% | 303 |
| Net operating income to assets | 0.8119% | 3,638 |
| Return on assets (ROA) | 0.8193% | 3,692 |
| Pretax return on assets | 1.0120% | 3,552 |
| Return on Equity (ROE) | 8.6793% | 3,018 |
| Retained earnings to average equity (ytd only) | 5.6554% | 2,531 |
| Net charge-offs to loans | 0.0722% | 1,797 |
| Credit loss provision to net charge-offs | 806.2411% | 432 |
| Earnings coverage of net charge-offs (x) | 26.8779% | 1,728 |
| Efficiency ratio | 67.5671% | 2,487 |
| Assets per employee ($millions) | 5.0834% | 2,462 |
| Cash dividends to net income (ytd only)* | 34.8404% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 641 |
| Loan loss allowance to noncurrent loans | 101.4847% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3291% | 899 |
| Noncurrent loans to loans | 1.8023% | 793 |
| Net loans and leases to total assets | 71.7595% | 2,210 |
| Net loans and leases to deposits | 81.1800% | 2,781 |
| Net loans and leases to core deposits | 82.5517% | 3,212 |
| Total domestic deposits to total assets | 88.3955% | 875 |
| Equity capital to assets | 9.7034% | 4,287 |
| Core capital (leverage) ratio | 8.9158% | 4,696 |
| Tier 1 risk-based capital ratio | 11.8324% | 4,498 |
| Total risk-based capital ratio | 13.0896% | 4,381 |
| Memoranda: | ||
| Average total assets | $1,763,684,000 | 481 |
| Average earning assets | $1,638,501,500 | 471 |
| Average equity | $166,492,500 | 557 |
| Average total loans | $1,302,262,250 | 463 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 4,214 |
| Cost of funding earning assets | 0.3775% | 4,591 |
| Net interest margin | 3.7020% | 2,924 |
| Noninterest income to average assets | 1.0983% | 707 |
| Noninterest expense to average assets | 3.1128% | 1,695 |
| Loan and lease loss provision to assets | 0.1416% | 1,311 |
| Net operating income to assets | 1.0255% | 2,822 |
| Return on assets (ROA) | 1.0364% | 2,853 |
| Pretax return on assets | 1.3029% | 2,551 |
| Return on Equity (ROE) | 11.0837% | 1,945 |
| Retained earnings to average equity (ytd only) | 8.0176% | 1,386 |
| Net charge-offs to loans | 0.0817% | 1,540 |
| Credit loss provision to net charge-offs | 234.0866% | 1,076 |
| Earnings coverage of net charge-offs (x) | 23.6497% | 1,647 |
| Efficiency ratio | 67.7191% | 2,583 |
| Assets per employee ($millions) | 4.9241% | 2,576 |
| Cash dividends to net income (ytd only)* | 27.6636% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 1,200 |
| Loan loss allowance to noncurrent loans | 100.3216% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.1330% | 1,189 |
| Noncurrent loans to loans | 1.5199% | 1,014 |
| Net loans and leases to total assets | 72.6139% | 2,131 |
| Net loans and leases to deposits | 82.1314% | 2,716 |
| Net loans and leases to core deposits | 83.5231% | 3,150 |
| Total domestic deposits to total assets | 88.4118% | 917 |
| Equity capital to assets | 9.7458% | 4,195 |
| Core capital (leverage) ratio | 8.9352% | 4,688 |
| Tier 1 risk-based capital ratio | 11.8465% | 4,505 |
| Total risk-based capital ratio | 13.0999% | 4,382 |
| Memoranda: | ||
| Average total assets | $1,755,128,330 | 483 |
| Average earning assets | $1,633,531,330 | 470 |
| Average equity | $164,114,330 | 558 |
| Average total loans | $1,300,366,000 | 462 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 4,238 |
| Cost of funding earning assets | 0.3656% | 4,621 |
| Net interest margin | 3.6926% | 2,919 |
| Noninterest income to average assets | 1.0592% | 717 |
| Noninterest expense to average assets | 3.0721% | 1,797 |
| Loan and lease loss provision to assets | 0.2486% | 586 |
| Net operating income to assets | 0.9452% | 3,069 |
| Return on assets (ROA) | 0.9585% | 3,054 |
| Pretax return on assets | 1.2014% | 2,795 |
| Return on Equity (ROE) | 10.4702% | 2,166 |
| Retained earnings to average equity (ytd only) | 7.3470% | 1,904 |
| Net charge-offs to loans | 0.0891% | 1,218 |
| Credit loss provision to net charge-offs | 375.6014% | 718 |
| Earnings coverage of net charge-offs (x) | 21.6564% | 1,523 |
| Efficiency ratio | 67.3633% | 2,730 |
| Assets per employee ($millions) | 4.9179% | 2,623 |
| Cash dividends to net income (ytd only)* | 29.8291% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 1,276 |
| Loan loss allowance to noncurrent loans | 130.4678% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.8688% | 1,631 |
| Noncurrent loans to loans | 1.1644% | 1,428 |
| Net loans and leases to total assets | 72.4970% | 2,077 |
| Net loans and leases to deposits | 81.4938% | 2,662 |
| Net loans and leases to core deposits | 82.7194% | 3,132 |
| Total domestic deposits to total assets | 88.9601% | 873 |
| Equity capital to assets | 9.2785% | 4,451 |
| Core capital (leverage) ratio | 8.6429% | 4,921 |
| Tier 1 risk-based capital ratio | 11.5582% | 4,717 |
| Total risk-based capital ratio | 12.8116% | 4,596 |
| Memoranda: | ||
| Average total assets | $1,758,657,500 | 483 |
| Average earning assets | $1,641,342,000 | 472 |
| Average equity | $160,990,000 | 565 |
| Average total loans | $1,306,051,000 | 461 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 3,978 |
| Cost of funding earning assets | 0.2541% | 4,788 |
| Net interest margin | 3.7620% | 2,815 |
| Noninterest income to average assets | 1.2101% | 630 |
| Noninterest expense to average assets | 3.2992% | 1,326 |
| Loan and lease loss provision to assets | 0.1831% | 1,062 |
| Net operating income to assets | 1.0163% | 2,941 |
| Return on assets (ROA) | 1.1127% | 2,547 |
| Pretax return on assets | 1.3553% | 2,297 |
| Return on Equity (ROE) | 13.0239% | 1,338 |
| Retained earnings to average equity (ytd only) | 11.3331% | 391 |
| Net charge-offs to loans | 0.4067% | 452 |
| Credit loss provision to net charge-offs | 58.7151% | 3,120 |
| Earnings coverage of net charge-offs (x) | 4.5553% | 3,286 |
| Efficiency ratio | 68.9945% | 2,390 |
| Assets per employee ($millions) | 4.7994% | 2,747 |
| Cash dividends to net income (ytd only)* | 12.9822% | 3,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 1,474 |
| Loan loss allowance to noncurrent loans | 154.4054% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7331% | 1,893 |
| Noncurrent loans to loans | 0.9348% | 1,719 |
| Net loans and leases to total assets | 73.8365% | 1,967 |
| Net loans and leases to deposits | 82.1526% | 2,710 |
| Net loans and leases to core deposits | 83.2598% | 3,159 |
| Total domestic deposits to total assets | 89.8772% | 517 |
| Equity capital to assets | 9.0288% | 4,552 |
| Core capital (leverage) ratio | 8.4141% | 5,065 |
| Tier 1 risk-based capital ratio | 11.3666% | 4,787 |
| Total risk-based capital ratio | 12.6193% | 4,689 |
| Memoranda: | ||
| Average total assets | $1,721,649,600 | 476 |
| Average earning assets | $1,606,307,400 | 466 |
| Average equity | $147,090,800 | 587 |
| Average total loans | $1,320,471,000 | 441 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 4,012 |
| Cost of funding earning assets | 0.2239% | 4,923 |
| Net interest margin | 3.7491% | 2,830 |
| Noninterest income to average assets | 1.2366% | 630 |
| Noninterest expense to average assets | 3.3099% | 1,283 |
| Loan and lease loss provision to assets | 0.2622% | 585 |
| Net operating income to assets | 0.9248% | 3,409 |
| Return on assets (ROA) | 1.0585% | 2,841 |
| Pretax return on assets | 1.3287% | 2,512 |
| Return on Equity (ROE) | 12.5716% | 1,586 |
| Retained earnings to average equity (ytd only) | 10.2740% | 831 |
| Net charge-offs to loans | 0.4937% | 321 |
| Credit loss provision to net charge-offs | 68.8381% | 2,645 |
| Earnings coverage of net charge-offs (x) | 3.7380% | 3,132 |
| Efficiency ratio | 69.0049% | 2,355 |
| Assets per employee ($millions) | 4.9021% | 2,597 |
| Cash dividends to net income (ytd only)* | 18.2760% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 1,397 |
| Loan loss allowance to noncurrent loans | 155.3525% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.7637% | 1,946 |
| Noncurrent loans to loans | 0.9558% | 1,779 |
| Net loans and leases to total assets | 74.4386% | 1,914 |
| Net loans and leases to deposits | 82.3410% | 2,777 |
| Net loans and leases to core deposits | 83.2595% | 3,218 |
| Total domestic deposits to total assets | 90.4028% | 379 |
| Equity capital to assets | 8.4927% | 4,924 |
| Core capital (leverage) ratio | 8.3620% | 5,166 |
| Tier 1 risk-based capital ratio | 10.8668% | 5,092 |
| Total risk-based capital ratio | 12.1202% | 4,998 |
| Memoranda: | ||
| Average total assets | $1,714,113,500 | 476 |
| Average earning assets | $1,598,905,750 | 468 |
| Average equity | $144,322,000 | 595 |
| Average total loans | $1,322,487,000 | 438 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9719% | 3,869 |
| Cost of funding earning assets | 0.2048% | 5,007 |
| Net interest margin | 3.7672% | 2,685 |
| Noninterest income to average assets | 1.2520% | 614 |
| Noninterest expense to average assets | 3.4152% | 1,120 |
| Loan and lease loss provision to assets | 0.3608% | 355 |
| Net operating income to assets | 0.7964% | 3,870 |
| Return on assets (ROA) | 0.7971% | 3,866 |
| Pretax return on assets | 0.9897% | 3,696 |
| Return on Equity (ROE) | 9.4956% | 2,807 |
| Retained earnings to average equity (ytd only) | 6.0145% | 2,553 |
| Net charge-offs to loans | 0.6937% | 209 |
| Credit loss provision to net charge-offs | 66.9501% | 2,380 |
| Earnings coverage of net charge-offs (x) | 2.5040% | 2,965 |
| Efficiency ratio | 70.7487% | 2,202 |
| Assets per employee ($millions) | 4.6601% | 2,871 |
| Cash dividends to net income (ytd only)* | 36.6598% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 1,479 |
| Loan loss allowance to noncurrent loans | 153.5365% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 1,863 |
| Noncurrent loans to loans | 0.9583% | 1,811 |
| Net loans and leases to total assets | 77.1270% | 1,449 |
| Net loans and leases to deposits | 88.7044% | 2,020 |
| Net loans and leases to core deposits | 105.0298% | 1,310 |
| Total domestic deposits to total assets | 86.9483% | 1,860 |
| Equity capital to assets | 8.3777% | 5,032 |
| Core capital (leverage) ratio | 7.9413% | 5,365 |
| Tier 1 risk-based capital ratio | 10.1929% | 5,377 |
| Total risk-based capital ratio | 11.4460% | 5,303 |
| Memoranda: | ||
| Average total assets | $1,702,132,330 | 478 |
| Average earning assets | $1,587,233,330 | 471 |
| Average equity | $142,887,000 | 595 |
| Average total loans | $1,322,531,670 | 439 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,801 |
| Cost of funding earning assets | 0.1942% | 5,045 |
| Net interest margin | 3.7512% | 2,610 |
| Noninterest income to average assets | 1.2919% | 555 |
| Noninterest expense to average assets | 3.3298% | 1,295 |
| Loan and lease loss provision to assets | 0.1665% | 1,072 |
| Net operating income to assets | 1.0372% | 2,700 |
| Return on assets (ROA) | 1.0353% | 2,730 |
| Pretax return on assets | 1.2959% | 2,381 |
| Return on Equity (ROE) | 12.3204% | 1,465 |
| Retained earnings to average equity (ytd only) | 8.8546% | 1,517 |
| Net charge-offs to loans | 0.1456% | 950 |
| Credit loss provision to net charge-offs | 147.8079% | 1,240 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,775 |
| Efficiency ratio | 68.4967% | 2,750 |
| Assets per employee ($millions) | 4.5977% | 2,999 |
| Cash dividends to net income (ytd only)* | 28.1300% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 1,115 |
| Loan loss allowance to noncurrent loans | 123.7346% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 1,374 |
| Noncurrent loans to loans | 1.3095% | 1,364 |
| Net loans and leases to total assets | 76.5506% | 1,448 |
| Net loans and leases to deposits | 85.2992% | 2,261 |
| Net loans and leases to core deposits | 100.3072% | 1,664 |
| Total domestic deposits to total assets | 89.7436% | 767 |
| Equity capital to assets | 8.4223% | 5,033 |
| Core capital (leverage) ratio | 7.9249% | 5,406 |
| Tier 1 risk-based capital ratio | 10.2193% | 5,439 |
| Total risk-based capital ratio | 11.4742% | 5,362 |
| Memoranda: | ||
| Average total assets | $1,700,395,500 | 482 |
| Average earning assets | $1,587,778,000 | 473 |
| Average equity | $142,885,500 | 598 |
| Average total loans | $1,316,233,500 | 443 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 4,166 |
| Cost of funding earning assets | 0.1929% | 5,000 |
| Net interest margin | 3.5726% | 3,257 |
| Noninterest income to average assets | 1.1663% | 757 |
| Noninterest expense to average assets | 3.1396% | 1,750 |
| Loan and lease loss provision to assets | 0.2974% | 579 |
| Net operating income to assets | 0.5698% | 4,144 |
| Return on assets (ROA) | 0.5739% | 4,157 |
| Pretax return on assets | 1.0703% | 3,302 |
| Return on Equity (ROE) | 6.8121% | 3,369 |
| Retained earnings to average equity (ytd only) | 3.3887% | 3,259 |
| Net charge-offs to loans | 0.1680% | 1,468 |
| Credit loss provision to net charge-offs | 240.3027% | 1,152 |
| Earnings coverage of net charge-offs (x) | 10.9991% | 2,614 |
| Efficiency ratio | 68.6373% | 2,768 |
| Assets per employee ($millions) | 4.6645% | 2,926 |
| Cash dividends to net income (ytd only)* | 50.2550% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 2,163 |
| Loan loss allowance to noncurrent loans | 125.6219% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 1,689 |
| Noncurrent loans to loans | 1.0444% | 1,706 |
| Net loans and leases to total assets | 75.8643% | 1,623 |
| Net loans and leases to deposits | 88.0215% | 2,015 |
| Net loans and leases to core deposits | 101.9171% | 1,558 |
| Total domestic deposits to total assets | 86.1884% | 2,353 |
| Equity capital to assets | 8.5415% | 5,091 |
| Core capital (leverage) ratio | 7.8076% | 5,496 |
| Tier 1 risk-based capital ratio | 10.2684% | 5,456 |
| Total risk-based capital ratio | 11.5218% | 5,381 |
| Memoranda: | ||
| Average total assets | $1,708,068,600 | 462 |
| Average earning assets | $1,594,232,200 | 455 |
| Average equity | $143,891,400 | 561 |
| Average total loans | $1,258,086,400 | 444 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7195% | 4,266 |
| Cost of funding earning assets | 0.1918% | 5,043 |
| Net interest margin | 3.5278% | 3,396 |
| Noninterest income to average assets | 1.1467% | 771 |
| Noninterest expense to average assets | 3.1651% | 1,646 |
| Loan and lease loss provision to assets | 0.2146% | 876 |
| Net operating income to assets | 0.7143% | 3,902 |
| Return on assets (ROA) | 0.7149% | 3,962 |
| Pretax return on assets | 1.0604% | 3,458 |
| Return on Equity (ROE) | 8.5162% | 2,869 |
| Retained earnings to average equity (ytd only) | 5.0818% | 2,829 |
| Net charge-offs to loans | 0.1402% | 1,404 |
| Credit loss provision to net charge-offs | 210.0840% | 1,300 |
| Earnings coverage of net charge-offs (x) | 12.4706% | 2,427 |
| Efficiency ratio | 70.1531% | 2,511 |
| Assets per employee ($millions) | 4.9104% | 2,565 |
| Cash dividends to net income (ytd only)* | 40.3275% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 2,826 |
| Loan loss allowance to noncurrent loans | 111.4235% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 2,091 |
| Noncurrent loans to loans | 1.0918% | 1,767 |
| Net loans and leases to total assets | 73.7288% | 1,959 |
| Net loans and leases to deposits | 82.6985% | 2,692 |
| Net loans and leases to core deposits | 98.6875% | 1,828 |
| Total domestic deposits to total assets | 89.1538% | 803 |
| Equity capital to assets | 8.5378% | 5,262 |
| Core capital (leverage) ratio | 7.8077% | 5,567 |
| Tier 1 risk-based capital ratio | 10.3304% | 5,503 |
| Total risk-based capital ratio | 11.5675% | 5,453 |
| Memoranda: | ||
| Average total assets | $1,708,288,000 | 467 |
| Average earning assets | $1,594,363,750 | 457 |
| Average equity | $143,409,250 | 569 |
| Average total loans | $1,244,516,250 | 449 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6491% | 4,366 |
| Cost of funding earning assets | 0.1960% | 5,023 |
| Net interest margin | 3.4531% | 3,578 |
| Noninterest income to average assets | 1.1251% | 789 |
| Noninterest expense to average assets | 3.2049% | 1,568 |
| Loan and lease loss provision to assets | 0.1717% | 1,128 |
| Net operating income to assets | 0.6590% | 4,035 |
| Return on assets (ROA) | 0.6600% | 4,089 |
| Pretax return on assets | 0.9744% | 3,664 |
| Return on Equity (ROE) | 7.9072% | 3,080 |
| Retained earnings to average equity (ytd only) | 4.4402% | 3,072 |
| Net charge-offs to loans | 0.0992% | 1,630 |
| Credit loss provision to net charge-offs | 239.5082% | 1,115 |
| Earnings coverage of net charge-offs (x) | 15.9656% | 1,997 |
| Efficiency ratio | 72.4964% | 2,265 |
| Assets per employee ($millions) | 4.9151% | 2,489 |
| Cash dividends to net income (ytd only)* | 43.8468% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,981 |
| Loan loss allowance to noncurrent loans | 98.8870% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 1,941 |
| Noncurrent loans to loans | 1.2190% | 1,600 |
| Net loans and leases to total assets | 72.1674% | 2,176 |
| Net loans and leases to deposits | 80.9669% | 2,810 |
| Net loans and leases to core deposits | 98.1675% | 1,790 |
| Total domestic deposits to total assets | 89.1320% | 899 |
| Equity capital to assets | 8.4816% | 5,317 |
| Core capital (leverage) ratio | 7.5800% | 5,639 |
| Tier 1 risk-based capital ratio | 10.3446% | 5,522 |
| Total risk-based capital ratio | 11.5608% | 5,472 |
| Memoranda: | ||
| Average total assets | $1,701,567,670 | 471 |
| Average earning assets | $1,588,956,000 | 460 |
| Average equity | $142,022,000 | 577 |
| Average total loans | $1,229,335,330 | 455 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 4,370 |
| Cost of funding earning assets | 0.2079% | 4,905 |
| Net interest margin | 3.4109% | 3,621 |
| Noninterest income to average assets | 1.1084% | 810 |
| Noninterest expense to average assets | 3.0673% | 1,963 |
| Loan and lease loss provision to assets | 0.2455% | 622 |
| Net operating income to assets | 0.6602% | 3,880 |
| Return on assets (ROA) | 0.6602% | 3,922 |
| Pretax return on assets | 0.9795% | 3,458 |
| Return on Equity (ROE) | 7.9750% | 2,936 |
| Retained earnings to average equity (ytd only) | 4.4680% | 3,186 |
| Net charge-offs to loans | 0.1094% | 1,297 |
| Credit loss provision to net charge-offs | 312.3123% | 764 |
| Earnings coverage of net charge-offs (x) | 15.5856% | 1,668 |
| Efficiency ratio | 70.2227% | 2,849 |
| Assets per employee ($millions) | 4.8024% | 2,694 |
| Cash dividends to net income (ytd only)* | 43.9757% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 3,062 |
| Loan loss allowance to noncurrent loans | 112.8631% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 2,336 |
| Noncurrent loans to loans | 1.0739% | 1,906 |
| Net loans and leases to total assets | 70.3307% | 2,317 |
| Net loans and leases to deposits | 78.7582% | 2,895 |
| Net loans and leases to core deposits | 95.3769% | 1,861 |
| Total domestic deposits to total assets | 89.2995% | 1,004 |
| Equity capital to assets | 8.1968% | 5,420 |
| Core capital (leverage) ratio | 7.5964% | 5,683 |
| Tier 1 risk-based capital ratio | 10.3829% | 5,596 |
| Total risk-based capital ratio | 11.6088% | 5,533 |
| Memoranda: | ||
| Average total assets | $1,694,673,000 | 474 |
| Average earning assets | $1,581,855,500 | 463 |
| Average equity | $140,288,000 | 577 |
| Average total loans | $1,217,486,500 | 456 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6201% | 4,464 |
| Cost of funding earning assets | 0.2479% | 4,587 |
| Net interest margin | 3.3723% | 3,916 |
| Noninterest income to average assets | 1.1756% | 819 |
| Noninterest expense to average assets | 3.3635% | 1,432 |
| Loan and lease loss provision to assets | 0.1463% | 1,703 |
| Net operating income to assets | 0.5450% | 4,452 |
| Return on assets (ROA) | 0.5853% | 4,381 |
| Pretax return on assets | 0.8670% | 3,951 |
| Return on Equity (ROE) | 7.0942% | 3,421 |
| Retained earnings to average equity (ytd only) | 3.5351% | 3,418 |
| Net charge-offs to loans | 0.2044% | 1,363 |
| Credit loss provision to net charge-offs | 99.7135% | 2,616 |
| Earnings coverage of net charge-offs (x) | 6.5018% | 3,166 |
| Efficiency ratio | 76.5323% | 1,914 |
| Assets per employee ($millions) | 4.5991% | 2,960 |
| Cash dividends to net income (ytd only)* | 50.1693% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 3,197 |
| Loan loss allowance to noncurrent loans | 115.0921% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 2,423 |
| Noncurrent loans to loans | 1.0314% | 2,018 |
| Net loans and leases to total assets | 71.6600% | 2,211 |
| Net loans and leases to deposits | 81.2539% | 2,756 |
| Net loans and leases to core deposits | 95.4911% | 1,967 |
| Total domestic deposits to total assets | 88.1927% | 1,540 |
| Equity capital to assets | 8.3634% | 5,378 |
| Core capital (leverage) ratio | 7.5157% | 5,747 |
| Tier 1 risk-based capital ratio | 10.5174% | 5,565 |
| Total risk-based capital ratio | 11.7123% | 5,529 |
| Memoranda: | ||
| Average total assets | $1,665,000,400 | 465 |
| Average earning assets | $1,551,269,400 | 452 |
| Average equity | $137,365,800 | 577 |
| Average total loans | $1,195,309,400 | 441 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 4,571 |
| Cost of funding earning assets | 0.2463% | 4,638 |
| Net interest margin | 3.3476% | 4,037 |
| Noninterest income to average assets | 1.1768% | 830 |
| Noninterest expense to average assets | 3.3867% | 1,366 |
| Loan and lease loss provision to assets | 0.1626% | 1,422 |
| Net operating income to assets | 0.5058% | 4,678 |
| Return on assets (ROA) | 0.5593% | 4,566 |
| Pretax return on assets | 0.8265% | 4,224 |
| Return on Equity (ROE) | 6.8022% | 3,665 |
| Retained earnings to average equity (ytd only) | 3.2387% | 3,969 |
| Net charge-offs to loans | 0.1081% | 1,863 |
| Credit loss provision to net charge-offs | 210.0207% | 1,394 |
| Earnings coverage of net charge-offs (x) | 11.7624% | 2,451 |
| Efficiency ratio | 77.4201% | 1,773 |
| Assets per employee ($millions) | 4.7307% | 2,701 |
| Cash dividends to net income (ytd only)* | 52.3877% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,901 |
| Loan loss allowance to noncurrent loans | 114.5109% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 2,551 |
| Noncurrent loans to loans | 1.1000% | 2,054 |
| Net loans and leases to total assets | 69.5750% | 2,557 |
| Net loans and leases to deposits | 79.4373% | 3,031 |
| Net loans and leases to core deposits | 95.0976% | 2,093 |
| Total domestic deposits to total assets | 87.5848% | 1,619 |
| Equity capital to assets | 8.0990% | 5,706 |
| Core capital (leverage) ratio | 7.5414% | 5,823 |
| Tier 1 risk-based capital ratio | 10.2456% | 5,719 |
| Total risk-based capital ratio | 11.4984% | 5,656 |
| Memoranda: | ||
| Average total assets | $1,667,334,500 | 467 |
| Average earning assets | $1,554,194,500 | 449 |
| Average equity | $137,089,750 | 577 |
| Average total loans | $1,193,961,250 | 442 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 4,512 |
| Cost of funding earning assets | 0.2454% | 4,701 |
| Net interest margin | 3.3833% | 3,956 |
| Noninterest income to average assets | 1.1586% | 836 |
| Noninterest expense to average assets | 3.5114% | 1,148 |
| Loan and lease loss provision to assets | 0.1193% | 1,909 |
| Net operating income to assets | 0.4638% | 4,822 |
| Return on assets (ROA) | 0.5387% | 4,636 |
| Pretax return on assets | 0.7926% | 4,315 |
| Return on Equity (ROE) | 6.5183% | 3,793 |
| Retained earnings to average equity (ytd only) | 2.9331% | 4,046 |
| Net charge-offs to loans | 0.0969% | 1,874 |
| Credit loss provision to net charge-offs | 170.9565% | 1,450 |
| Earnings coverage of net charge-offs (x) | 11.4852% | 2,254 |
| Efficiency ratio | 79.9972% | 1,493 |
| Assets per employee ($millions) | 4.6717% | 2,765 |
| Cash dividends to net income (ytd only)* | 55.0023% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 3,246 |
| Loan loss allowance to noncurrent loans | 97.2034% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 2,315 |
| Noncurrent loans to loans | 1.2554% | 1,826 |
| Net loans and leases to total assets | 70.5960% | 2,384 |
| Net loans and leases to deposits | 80.7032% | 2,852 |
| Net loans and leases to core deposits | 96.2462% | 1,955 |
| Total domestic deposits to total assets | 87.4761% | 1,679 |
| Equity capital to assets | 8.2481% | 5,715 |
| Core capital (leverage) ratio | 7.4590% | 5,887 |
| Tier 1 risk-based capital ratio | 10.1917% | 5,794 |
| Total risk-based capital ratio | 11.4152% | 5,741 |
| Memoranda: | ||
| Average total assets | $1,647,542,000 | 470 |
| Average earning assets | $1,536,155,670 | 452 |
| Average equity | $136,170,670 | 579 |
| Average total loans | $1,186,386,670 | 447 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 4,411 |
| Cost of funding earning assets | 0.2438% | 4,765 |
| Net interest margin | 3.4291% | 3,768 |
| Noninterest income to average assets | 1.1040% | 896 |
| Noninterest expense to average assets | 3.3413% | 1,504 |
| Loan and lease loss provision to assets | 0.1460% | 1,447 |
| Net operating income to assets | 0.5406% | 4,466 |
| Return on assets (ROA) | 0.6899% | 3,873 |
| Pretax return on assets | 1.0346% | 3,340 |
| Return on Equity (ROE) | 8.3382% | 2,745 |
| Retained earnings to average equity (ytd only) | 4.7206% | 3,104 |
| Net charge-offs to loans | 0.1113% | 1,459 |
| Credit loss provision to net charge-offs | 181.4024% | 1,149 |
| Earnings coverage of net charge-offs (x) | 11.9024% | 1,832 |
| Efficiency ratio | 76.2484% | 2,145 |
| Assets per employee ($millions) | 4.5485% | 2,986 |
| Cash dividends to net income (ytd only)* | 43.3855% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 3,344 |
| Loan loss allowance to noncurrent loans | 93.0800% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.0505% | 2,108 |
| Noncurrent loans to loans | 1.3143% | 1,820 |
| Net loans and leases to total assets | 71.4342% | 2,123 |
| Net loans and leases to deposits | 81.5879% | 2,595 |
| Net loans and leases to core deposits | 95.9683% | 1,800 |
| Total domestic deposits to total assets | 87.5550% | 1,890 |
| Equity capital to assets | 8.3148% | 5,691 |
| Core capital (leverage) ratio | 7.6342% | 5,893 |
| Tier 1 risk-based capital ratio | 10.6627% | 5,676 |
| Total risk-based capital ratio | 11.9156% | 5,589 |
| Memoranda: | ||
| Average total assets | $1,630,404,000 | 470 |
| Average earning assets | $1,519,096,500 | 462 |
| Average equity | $134,897,000 | 584 |
| Average total loans | $1,178,597,500 | 446 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 4,343 |
| Cost of funding earning assets | 0.2468% | 4,816 |
| Net interest margin | 3.4636% | 3,663 |
| Noninterest income to average assets | 1.2070% | 822 |
| Noninterest expense to average assets | 3.4340% | 1,427 |
| Loan and lease loss provision to assets | 0.0994% | 2,323 |
| Net operating income to assets | 0.5813% | 4,375 |
| Return on assets (ROA) | 0.5968% | 4,391 |
| Pretax return on assets | 0.8983% | 3,843 |
| Return on Equity (ROE) | 7.1492% | 3,430 |
| Retained earnings to average equity (ytd only) | 5.3125% | 2,203 |
| Net charge-offs to loans | 0.0871% | 2,578 |
| Credit loss provision to net charge-offs | 157.5150% | 1,698 |
| Earnings coverage of net charge-offs (x) | 15.4379% | 2,203 |
| Efficiency ratio | 76.2708% | 2,233 |
| Assets per employee ($millions) | 4.3751% | 3,264 |
| Cash dividends to net income (ytd only)* | 25.6913% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 3,363 |
| Loan loss allowance to noncurrent loans | 111.1544% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 2,456 |
| Noncurrent loans to loans | 1.0968% | 2,148 |
| Net loans and leases to total assets | 71.3771% | 2,151 |
| Net loans and leases to deposits | 82.3435% | 2,544 |
| Net loans and leases to core deposits | 94.8733% | 1,961 |
| Total domestic deposits to total assets | 86.6821% | 2,283 |
| Equity capital to assets | 8.2322% | 5,746 |
| Core capital (leverage) ratio | 7.5906% | 5,955 |
| Tier 1 risk-based capital ratio | 10.6799% | 5,687 |
| Total risk-based capital ratio | 11.9324% | 5,601 |
| Memoranda: | ||
| Average total assets | $1,581,602,400 | 449 |
| Average earning assets | $1,461,771,200 | 443 |
| Average equity | $132,029,000 | 576 |
| Average total loans | $1,145,893,000 | 430 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 4,394 |
| Cost of funding earning assets | 0.2457% | 4,927 |
| Net interest margin | 3.4623% | 3,711 |
| Noninterest income to average assets | 1.2179% | 811 |
| Noninterest expense to average assets | 3.4241% | 1,427 |
| Loan and lease loss provision to assets | 0.0811% | 2,549 |
| Net operating income to assets | 0.6005% | 4,383 |
| Return on assets (ROA) | 0.6168% | 4,407 |
| Pretax return on assets | 0.9317% | 3,881 |
| Return on Equity (ROE) | 7.3629% | 3,427 |
| Retained earnings to average equity (ytd only) | 6.1371% | 2,160 |
| Net charge-offs to loans | 0.0725% | 2,527 |
| Credit loss provision to net charge-offs | 154.1935% | 1,642 |
| Earnings coverage of net charge-offs (x) | 18.7935% | 1,980 |
| Efficiency ratio | 75.9413% | 2,258 |
| Assets per employee ($millions) | 4.4550% | 3,092 |
| Cash dividends to net income (ytd only)* | 16.6484% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 3,501 |
| Loan loss allowance to noncurrent loans | 111.0917% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9198% | 2,561 |
| Noncurrent loans to loans | 1.1050% | 2,283 |
| Net loans and leases to total assets | 69.1946% | 2,508 |
| Net loans and leases to deposits | 79.8302% | 2,904 |
| Net loans and leases to core deposits | 92.2136% | 2,240 |
| Total domestic deposits to total assets | 86.6772% | 2,194 |
| Equity capital to assets | 8.2666% | 5,840 |
| Core capital (leverage) ratio | 7.7367% | 6,001 |
| Tier 1 risk-based capital ratio | 10.7726% | 5,766 |
| Total risk-based capital ratio | 12.0252% | 5,698 |
| Memoranda: | ||
| Average total assets | $1,572,304,500 | 454 |
| Average earning assets | $1,450,603,750 | 450 |
| Average equity | $131,720,500 | 583 |
| Average total loans | $1,139,939,250 | 436 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 4,270 |
| Cost of funding earning assets | 0.2473% | 4,971 |
| Net interest margin | 3.4943% | 3,525 |
| Noninterest income to average assets | 1.2388% | 792 |
| Noninterest expense to average assets | 3.4678% | 1,350 |
| Loan and lease loss provision to assets | 0.0836% | 2,448 |
| Net operating income to assets | 0.5978% | 4,352 |
| Return on assets (ROA) | 0.6235% | 4,355 |
| Pretax return on assets | 0.9435% | 3,794 |
| Return on Equity (ROE) | 7.4079% | 3,368 |
| Retained earnings to average equity (ytd only) | 7.4079% | 1,514 |
| Net charge-offs to loans | 0.0539% | 2,644 |
| Credit loss provision to net charge-offs | 211.4007% | 1,177 |
| Earnings coverage of net charge-offs (x) | 24.9935% | 1,541 |
| Efficiency ratio | 76.1207% | 2,333 |
| Assets per employee ($millions) | 4.0533% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 3,679 |
| Loan loss allowance to noncurrent loans | 107.1167% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.9966% | 2,533 |
| Noncurrent loans to loans | 1.1377% | 2,377 |
| Net loans and leases to total assets | 73.2435% | 1,782 |
| Net loans and leases to deposits | 85.1226% | 2,160 |
| Net loans and leases to core deposits | 95.7781% | 1,821 |
| Total domestic deposits to total assets | 86.0447% | 2,676 |
| Equity capital to assets | 8.5445% | 5,649 |
| Core capital (leverage) ratio | 7.6908% | 6,040 |
| Tier 1 risk-based capital ratio | 10.6357% | 5,867 |
| Total risk-based capital ratio | 11.8883% | 5,810 |
| Memoranda: | ||
| Average total assets | $1,552,899,670 | 463 |
| Average earning assets | $1,429,771,670 | 455 |
| Average equity | $130,698,000 | 586 |
| Average total loans | $1,139,168,000 | 437 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,332 |
| Cost of funding earning assets | 0.2506% | 5,018 |
| Net interest margin | 3.4576% | 3,600 |
| Noninterest income to average assets | 1.2280% | 751 |
| Noninterest expense to average assets | 3.4583% | 1,392 |
| Loan and lease loss provision to assets | 0.1004% | 2,019 |
| Net operating income to assets | 0.5625% | 4,439 |
| Return on assets (ROA) | 0.5710% | 4,506 |
| Pretax return on assets | 0.8586% | 4,031 |
| Return on Equity (ROE) | 6.8361% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.8361% | 2,087 |
| Net charge-offs to loans | 0.0649% | 2,092 |
| Credit loss provision to net charge-offs | 211.9565% | 1,018 |
| Earnings coverage of net charge-offs (x) | 19.9674% | 1,430 |
| Efficiency ratio | 76.7454% | 2,388 |
| Assets per employee ($millions) | 4.1232% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 3,887 |
| Loan loss allowance to noncurrent loans | 114.5543% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 2,789 |
| Noncurrent loans to loans | 1.0599% | 2,646 |
| Net loans and leases to total assets | 71.3877% | 1,919 |
| Net loans and leases to deposits | 82.3203% | 2,296 |
| Net loans and leases to core deposits | 91.9217% | 1,951 |
| Total domestic deposits to total assets | 86.7195% | 2,544 |
| Equity capital to assets | 8.2968% | 5,873 |
| Core capital (leverage) ratio | 7.5374% | 6,127 |
| Tier 1 risk-based capital ratio | 10.3019% | 6,076 |
| Total risk-based capital ratio | 11.5502% | 6,027 |
| Memoranda: | ||
| Average total assets | $1,553,140,500 | 464 |
| Average earning assets | $1,426,894,000 | 454 |
| Average equity | $129,723,500 | 590 |
| Average total loans | $1,133,215,000 | 437 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 4,345 |
| Cost of funding earning assets | 0.2638% | 5,178 |
| Net interest margin | 3.5790% | 3,476 |
| Noninterest income to average assets | 1.2610% | 759 |
| Noninterest expense to average assets | 3.9544% | 802 |
| Loan and lease loss provision to assets | 0.2211% | 1,112 |
| Net operating income to assets | 0.2553% | 5,646 |
| Return on assets (ROA) | 0.5656% | 4,619 |
| Pretax return on assets | 0.8342% | 4,129 |
| Return on Equity (ROE) | 6.3774% | 3,962 |
| Retained earnings to average equity (ytd only) | 2.7786% | 4,263 |
| Net charge-offs to loans | 0.2875% | 1,512 |
| Credit loss provision to net charge-offs | 108.2981% | 2,204 |
| Earnings coverage of net charge-offs (x) | 2.9336% | 4,026 |
| Efficiency ratio | 84.9343% | 1,295 |
| Assets per employee ($millions) | 4.0091% | 3,937 |
| Cash dividends to net income (ytd only)* | 56.4313% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 4,215 |
| Loan loss allowance to noncurrent loans | 137.3090% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.8285% | 3,138 |
| Noncurrent loans to loans | 0.8457% | 3,198 |
| Net loans and leases to total assets | 73.1942% | 1,725 |
| Net loans and leases to deposits | 86.3723% | 1,930 |
| Net loans and leases to core deposits | 95.2339% | 1,785 |
| Total domestic deposits to total assets | 84.7427% | 3,399 |
| Equity capital to assets | 8.4783% | 5,771 |
| Core capital (leverage) ratio | 7.4417% | 6,222 |
| Tier 1 risk-based capital ratio | 10.2085% | 6,201 |
| Total risk-based capital ratio | 11.4179% | 6,160 |
| Memoranda: | ||
| Average total assets | $1,505,090,400 | 460 |
| Average earning assets | $1,384,591,600 | 457 |
| Average equity | $133,486,400 | 541 |
| Average total loans | $1,068,809,800 | 434 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 4,572 |
| Cost of funding earning assets | 0.2666% | 5,245 |
| Net interest margin | 3.5247% | 3,737 |
| Noninterest income to average assets | 1.2564% | 765 |
| Noninterest expense to average assets | 3.9016% | 840 |
| Loan and lease loss provision to assets | 0.2068% | 1,131 |
| Net operating income to assets | 0.2890% | 5,624 |
| Return on assets (ROA) | 0.3233% | 5,588 |
| Pretax return on assets | 0.4354% | 5,511 |
| Return on Equity (ROE) | 3.6049% | 5,332 |
| Retained earnings to average equity (ytd only) | 0.0406% | 5,783 |
| Net charge-offs to loans | 0.2470% | 1,562 |
| Credit loss provision to net charge-offs | 119.1816% | 1,924 |
| Earnings coverage of net charge-offs (x) | 3.4343% | 3,659 |
| Efficiency ratio | 84.7931% | 1,306 |
| Assets per employee ($millions) | 3.9330% | 4,024 |
| Cash dividends to net income (ytd only)* | 98.8747% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 4,343 |
| Loan loss allowance to noncurrent loans | 100.1828% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 2,828 |
| Noncurrent loans to loans | 1.1769% | 2,710 |
| Net loans and leases to total assets | 72.4147% | 1,779 |
| Net loans and leases to deposits | 83.8036% | 2,185 |
| Net loans and leases to core deposits | 91.0548% | 2,109 |
| Total domestic deposits to total assets | 86.4100% | 2,632 |
| Equity capital to assets | 8.8057% | 5,545 |
| Core capital (leverage) ratio | 7.2370% | 6,344 |
| Tier 1 risk-based capital ratio | 9.2194% | 6,461 |
| Total risk-based capital ratio | 10.6206% | 6,429 |
| Memoranda: | ||
| Average total assets | $1,502,506,000 | 458 |
| Average earning assets | $1,381,558,500 | 454 |
| Average equity | $134,737,250 | 539 |
| Average total loans | $1,055,452,750 | 436 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 4,618 |
| Cost of funding earning assets | 0.2684% | 5,302 |
| Net interest margin | 3.5032% | 3,779 |
| Noninterest income to average assets | 1.2544% | 741 |
| Noninterest expense to average assets | 3.5325% | 1,418 |
| Loan and lease loss provision to assets | 0.2328% | 978 |
| Net operating income to assets | 0.4838% | 4,875 |
| Return on assets (ROA) | 0.5313% | 4,776 |
| Pretax return on assets | 0.7806% | 4,349 |
| Return on Equity (ROE) | 5.8886% | 4,221 |
| Retained earnings to average equity (ytd only) | 2.3308% | 4,719 |
| Net charge-offs to loans | 0.1709% | 2,029 |
| Credit loss provision to net charge-offs | 196.7232% | 1,190 |
| Earnings coverage of net charge-offs (x) | 7.9751% | 2,552 |
| Efficiency ratio | 76.9212% | 2,466 |
| Assets per employee ($millions) | 3.8630% | 4,140 |
| Cash dividends to net income (ytd only)* | 60.4177% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 4,118 |
| Loan loss allowance to noncurrent loans | 87.1778% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.0744% | 2,917 |
| Noncurrent loans to loans | 1.4408% | 2,395 |
| Net loans and leases to total assets | 70.7672% | 1,959 |
| Net loans and leases to deposits | 81.6421% | 2,292 |
| Net loans and leases to core deposits | 88.4846% | 2,262 |
| Total domestic deposits to total assets | 86.6798% | 2,649 |
| Equity capital to assets | 8.9982% | 5,303 |
| Core capital (leverage) ratio | 7.3464% | 6,357 |
| Tier 1 risk-based capital ratio | 9.6372% | 6,474 |
| Total risk-based capital ratio | 11.1541% | 6,389 |
| Memoranda: | ||
| Average total assets | $1,495,986,670 | 460 |
| Average earning assets | $1,375,784,330 | 452 |
| Average equity | $134,973,330 | 534 |
| Average total loans | $1,035,487,330 | 441 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 4,528 |
| Cost of funding earning assets | 0.2698% | 5,388 |
| Net interest margin | 3.5199% | 3,602 |
| Noninterest income to average assets | 1.2814% | 680 |
| Noninterest expense to average assets | 3.5302% | 1,432 |
| Loan and lease loss provision to assets | 0.1716% | 1,409 |
| Net operating income to assets | 0.5531% | 4,446 |
| Return on assets (ROA) | 0.5531% | 4,519 |
| Pretax return on assets | 0.8154% | 4,050 |
| Return on Equity (ROE) | 6.1223% | 3,951 |
| Retained earnings to average equity (ytd only) | 2.5490% | 4,537 |
| Net charge-offs to loans | 0.1025% | 2,148 |
| Credit loss provision to net charge-offs | 246.3320% | 916 |
| Earnings coverage of net charge-offs (x) | 14.1660% | 1,628 |
| Efficiency ratio | 76.0943% | 2,787 |
| Assets per employee ($millions) | 3.8750% | 4,181 |
| Cash dividends to net income (ytd only)* | 58.3658% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 4,207 |
| Loan loss allowance to noncurrent loans | 75.4560% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.1817% | 2,894 |
| Noncurrent loans to loans | 1.7015% | 2,285 |
| Net loans and leases to total assets | 67.6234% | 2,277 |
| Net loans and leases to deposits | 78.0632% | 2,545 |
| Net loans and leases to core deposits | 83.2634% | 2,605 |
| Total domestic deposits to total assets | 86.6265% | 3,029 |
| Equity capital to assets | 9.0323% | 5,085 |
| Core capital (leverage) ratio | 7.3548% | 6,384 |
| Tier 1 risk-based capital ratio | 10.0122% | 6,473 |
| Total risk-based capital ratio | 11.5418% | 6,350 |
| Memoranda: | ||
| Average total assets | $1,486,825,500 | 464 |
| Average earning assets | $1,366,847,500 | 456 |
| Average equity | $134,329,500 | 543 |
| Average total loans | $1,010,598,000 | 448 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 3,395 |
| Cost of funding earning assets | 0.3335% | 5,294 |
| Net interest margin | 3.8514% | 2,466 |
| Noninterest income to average assets | 1.3042% | 818 |
| Noninterest expense to average assets | 3.6790% | 1,316 |
| Loan and lease loss provision to assets | 0.2087% | 1,772 |
| Net operating income to assets | 0.6562% | 4,003 |
| Return on assets (ROA) | 0.6556% | 4,109 |
| Pretax return on assets | 0.9478% | 3,569 |
| Return on Equity (ROE) | 6.6999% | 3,721 |
| Retained earnings to average equity (ytd only) | 2.9999% | 4,108 |
| Net charge-offs to loans | 0.0437% | 4,606 |
| Credit loss provision to net charge-offs | 668.6893% | 355 |
| Earnings coverage of net charge-offs (x) | 37.0801% | 1,011 |
| Efficiency ratio | 74.6240% | 3,026 |
| Assets per employee ($millions) | 3.8487% | 4,161 |
| Cash dividends to net income (ytd only)* | 55.2242% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 4,226 |
| Loan loss allowance to noncurrent loans | 74.3872% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.1985% | 3,003 |
| Noncurrent loans to loans | 1.7234% | 2,329 |
| Net loans and leases to total assets | 66.5665% | 2,600 |
| Net loans and leases to deposits | 77.4418% | 2,795 |
| Net loans and leases to core deposits | 82.2423% | 2,868 |
| Total domestic deposits to total assets | 85.9569% | 3,277 |
| Equity capital to assets | 9.0370% | 4,992 |
| Core capital (leverage) ratio | 7.7192% | 6,292 |
| Tier 1 risk-based capital ratio | 10.0986% | 6,490 |
| Total risk-based capital ratio | 11.6323% | 6,363 |
| Memoranda: | ||
| Average total assets | $1,319,804,600 | 502 |
| Average earning assets | $1,210,438,400 | 492 |
| Average equity | $129,135,800 | 550 |
| Average total loans | $943,367,200 | 450 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 3,120 |
| Cost of funding earning assets | 0.3446% | 5,342 |
| Net interest margin | 3.9240% | 2,185 |
| Noninterest income to average assets | 1.2622% | 922 |
| Noninterest expense to average assets | 3.5687% | 1,463 |
| Loan and lease loss provision to assets | 0.1828% | 1,991 |
| Net operating income to assets | 0.7460% | 3,622 |
| Return on assets (ROA) | 0.7461% | 3,746 |
| Pretax return on assets | 1.1090% | 3,075 |
| Return on Equity (ROE) | 7.4605% | 3,401 |
| Retained earnings to average equity (ytd only) | 3.7292% | 4,041 |
| Net charge-offs to loans | 0.0476% | 4,227 |
| Credit loss provision to net charge-offs | 528.6145% | 530 |
| Earnings coverage of net charge-offs (x) | 37.3581% | 1,053 |
| Efficiency ratio | 72.0040% | 3,404 |
| Assets per employee ($millions) | 3.7414% | 4,366 |
| Cash dividends to net income (ytd only)* | 50.0139% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 4,767 |
| Loan loss allowance to noncurrent loans | 98.7342% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 3,790 |
| Noncurrent loans to loans | 1.2399% | 3,331 |
| Net loans and leases to total assets | 71.4220% | 1,696 |
| Net loans and leases to deposits | 87.6058% | 1,416 |
| Net loans and leases to core deposits | 92.7643% | 1,699 |
| Total domestic deposits to total assets | 81.5266% | 5,076 |
| Equity capital to assets | 9.6901% | 4,312 |
| Core capital (leverage) ratio | 8.5749% | 5,694 |
| Tier 1 risk-based capital ratio | 10.7092% | 6,389 |
| Total risk-based capital ratio | 12.1912% | 6,270 |
| Memoranda: | ||
| Average total assets | $1,280,283,000 | 517 |
| Average earning assets | $1,173,980,500 | 511 |
| Average equity | $128,030,500 | 560 |
| Average total loans | $930,069,750 | 457 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 2,815 |
| Cost of funding earning assets | 0.3524% | 5,383 |
| Net interest margin | 3.9818% | 1,927 |
| Noninterest income to average assets | 1.2558% | 984 |
| Noninterest expense to average assets | 3.5908% | 1,424 |
| Loan and lease loss provision to assets | 0.1398% | 2,578 |
| Net operating income to assets | 0.7908% | 3,342 |
| Return on assets (ROA) | 0.7909% | 3,502 |
| Pretax return on assets | 1.1804% | 2,760 |
| Return on Equity (ROE) | 7.8231% | 3,177 |
| Retained earnings to average equity (ytd only) | 4.0740% | 3,701 |
| Net charge-offs to loans | -0.0013% | 5,508 |
| Credit loss provision to net charge-offs | -14,683.3333% | 6,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6690% | 3,523 |
| Assets per employee ($millions) | 3.5758% | 4,682 |
| Cash dividends to net income (ytd only)* | 47.9238% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 4,926 |
| Loan loss allowance to noncurrent loans | 92.0924% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.0262% | 3,701 |
| Noncurrent loans to loans | 1.3147% | 3,359 |
| Net loans and leases to total assets | 73.5929% | 1,315 |
| Net loans and leases to deposits | 87.2827% | 1,430 |
| Net loans and leases to core deposits | 90.7521% | 1,835 |
| Total domestic deposits to total assets | 84.3155% | 4,194 |
| Equity capital to assets | 10.1716% | 3,696 |
| Core capital (leverage) ratio | 8.5946% | 5,563 |
| Tier 1 risk-based capital ratio | 11.0720% | 6,301 |
| Total risk-based capital ratio | 12.5570% | 6,165 |
| Memoranda: | ||
| Average total assets | $1,260,569,000 | 520 |
| Average earning assets | $1,157,110,330 | 518 |
| Average equity | $127,443,670 | 566 |
| Average total loans | $917,259,670 | 458 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 2,507 |
| Cost of funding earning assets | 0.3570% | 5,469 |
| Net interest margin | 4.0483% | 1,621 |
| Noninterest income to average assets | 1.1794% | 1,077 |
| Noninterest expense to average assets | 3.6238% | 1,377 |
| Loan and lease loss provision to assets | 0.1365% | 2,534 |
| Net operating income to assets | 0.7602% | 3,377 |
| Return on assets (ROA) | 0.7602% | 3,520 |
| Pretax return on assets | 1.1285% | 2,850 |
| Return on Equity (ROE) | 7.5424% | 3,202 |
| Retained earnings to average equity (ytd only) | 3.7916% | 3,960 |
| Net charge-offs to loans | 0.0172% | 3,810 |
| Credit loss provision to net charge-offs | 1,105.1282% | 289 |
| Earnings coverage of net charge-offs (x) | 102.4359% | 373 |
| Efficiency ratio | 72.6036% | 3,502 |
| Assets per employee ($millions) | 3.6590% | 4,645 |
| Cash dividends to net income (ytd only)* | 49.7293% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 5,302 |
| Loan loss allowance to noncurrent loans | 91.0276% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 3,980 |
| Noncurrent loans to loans | 1.2895% | 3,625 |
| Net loans and leases to total assets | 71.1662% | 1,495 |
| Net loans and leases to deposits | 84.1588% | 1,577 |
| Net loans and leases to core deposits | 87.5379% | 1,950 |
| Total domestic deposits to total assets | 84.5619% | 4,243 |
| Equity capital to assets | 10.0003% | 4,153 |
| Core capital (leverage) ratio | 8.4927% | 5,605 |
| Tier 1 risk-based capital ratio | 10.9940% | 6,409 |
| Total risk-based capital ratio | 12.4276% | 6,306 |
| Memoranda: | ||
| Average total assets | $1,263,302,500 | 523 |
| Average earning assets | $1,157,511,500 | 518 |
| Average equity | $127,333,500 | 571 |
| Average total loans | $908,396,500 | 462 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 3,162 |
| Cost of funding earning assets | 0.4643% | 5,460 |
| Net interest margin | 4.0972% | 2,018 |
| Noninterest income to average assets | 1.2816% | 946 |
| Noninterest expense to average assets | 3.6579% | 1,490 |
| Loan and lease loss provision to assets | 0.0660% | 4,929 |
| Net operating income to assets | 0.8612% | 2,997 |
| Return on assets (ROA) | 0.8773% | 3,164 |
| Pretax return on assets | 1.3170% | 2,334 |
| Return on Equity (ROE) | 8.7662% | 2,757 |
| Retained earnings to average equity (ytd only) | 5.1169% | 2,627 |
| Net charge-offs to loans | 0.0209% | 5,611 |
| Credit loss provision to net charge-offs | 467.2316% | 518 |
| Earnings coverage of net charge-offs (x) | 96.1412% | 404 |
| Efficiency ratio | 71.3585% | 3,549 |
| Assets per employee ($millions) | 3.5599% | 4,880 |
| Cash dividends to net income (ytd only)* | 41.6295% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 5,281 |
| Loan loss allowance to noncurrent loans | 88.2433% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.9943% | 4,046 |
| Noncurrent loans to loans | 1.3216% | 3,631 |
| Net loans and leases to total assets | 70.9612% | 1,657 |
| Net loans and leases to deposits | 84.4337% | 1,709 |
| Net loans and leases to core deposits | 87.9246% | 2,095 |
| Total domestic deposits to total assets | 84.0437% | 4,297 |
| Equity capital to assets | 10.1608% | 3,945 |
| Core capital (leverage) ratio | 8.3914% | 5,768 |
| Tier 1 risk-based capital ratio | 11.2216% | 6,263 |
| Total risk-based capital ratio | 12.6380% | 6,140 |
| Memoranda: | ||
| Average total assets | $1,252,128,000 | 525 |
| Average earning assets | $1,141,531,600 | 519 |
| Average equity | $125,311,200 | 575 |
| Average total loans | $845,941,200 | 485 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 3,243 |
| Cost of funding earning assets | 0.4866% | 5,530 |
| Net interest margin | 4.1041% | 2,075 |
| Noninterest income to average assets | 1.2887% | 892 |
| Noninterest expense to average assets | 3.5600% | 1,632 |
| Loan and lease loss provision to assets | 0.0802% | 4,630 |
| Net operating income to assets | 0.9221% | 2,869 |
| Return on assets (ROA) | 0.9432% | 3,001 |
| Pretax return on assets | 1.4185% | 2,177 |
| Return on Equity (ROE) | 9.4608% | 2,609 |
| Retained earnings to average equity (ytd only) | 5.8019% | 2,834 |
| Net charge-offs to loans | -0.0465% | 6,689 |
| Credit loss provision to net charge-offs | -259.1065% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2627% | 3,824 |
| Assets per employee ($millions) | 3.6391% | 4,681 |
| Cash dividends to net income (ytd only)* | 38.6740% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 5,125 |
| Loan loss allowance to noncurrent loans | 74.2916% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.2073% | 3,877 |
| Noncurrent loans to loans | 1.6609% | 3,299 |
| Net loans and leases to total assets | 67.4696% | 2,374 |
| Net loans and leases to deposits | 79.8422% | 2,410 |
| Net loans and leases to core deposits | 83.2143% | 2,795 |
| Total domestic deposits to total assets | 84.5037% | 3,976 |
| Equity capital to assets | 9.9891% | 4,509 |
| Core capital (leverage) ratio | 8.3022% | 6,004 |
| Tier 1 risk-based capital ratio | 11.1768% | 6,405 |
| Total risk-based capital ratio | 12.6484% | 6,251 |
| Memoranda: | ||
| Average total assets | $1,253,672,500 | 530 |
| Average earning assets | $1,141,840,500 | 525 |
| Average equity | $124,989,500 | 577 |
| Average total loans | $833,783,000 | 493 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 3,145 |
| Cost of funding earning assets | 0.5171% | 5,508 |
| Net interest margin | 4.1307% | 1,968 |
| Noninterest income to average assets | 1.3441% | 794 |
| Noninterest expense to average assets | 3.5939% | 1,585 |
| Loan and lease loss provision to assets | 0.0851% | 4,526 |
| Net operating income to assets | 0.9455% | 2,679 |
| Return on assets (ROA) | 0.9773% | 2,795 |
| Pretax return on assets | 1.4733% | 1,946 |
| Return on Equity (ROE) | 9.8095% | 2,443 |
| Retained earnings to average equity (ytd only) | 6.1188% | 2,640 |
| Net charge-offs to loans | -0.0198% | 6,429 |
| Credit loss provision to net charge-offs | -653.0864% | 6,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8443% | 3,968 |
| Assets per employee ($millions) | 3.3642% | 5,287 |
| Cash dividends to net income (ytd only)* | 37.6234% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 5,294 |
| Loan loss allowance to noncurrent loans | 62.1257% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.3992% | 3,629 |
| Noncurrent loans to loans | 1.9533% | 2,999 |
| Net loans and leases to total assets | 66.8828% | 2,485 |
| Net loans and leases to deposits | 80.1388% | 2,359 |
| Net loans and leases to core deposits | 83.8262% | 2,712 |
| Total domestic deposits to total assets | 83.4587% | 4,551 |
| Equity capital to assets | 9.9489% | 4,420 |
| Core capital (leverage) ratio | 8.2142% | 6,034 |
| Tier 1 risk-based capital ratio | 11.2163% | 6,388 |
| Total risk-based capital ratio | 12.6543% | 6,250 |
| Memoranda: | ||
| Average total assets | $1,243,368,000 | 535 |
| Average earning assets | $1,131,758,000 | 532 |
| Average equity | $123,879,670 | 582 |
| Average total loans | $819,199,670 | 500 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 2,525 |
| Cost of funding earning assets | 0.5440% | 5,537 |
| Net interest margin | 4.2850% | 1,519 |
| Noninterest income to average assets | 1.4701% | 670 |
| Noninterest expense to average assets | 3.4769% | 1,809 |
| Loan and lease loss provision to assets | 0.1548% | 3,439 |
| Net operating income to assets | 1.1313% | 1,950 |
| Return on assets (ROA) | 1.1939% | 1,940 |
| Pretax return on assets | 1.8329% | 1,009 |
| Return on Equity (ROE) | 11.9744% | 1,680 |
| Retained earnings to average equity (ytd only) | 8.2509% | 1,882 |
| Net charge-offs to loans | -0.0115% | 5,990 |
| Credit loss provision to net charge-offs | -2,073.9130% | 6,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2028% | 5,069 |
| Assets per employee ($millions) | 3.5557% | 4,989 |
| Cash dividends to net income (ytd only)* | 31.0954% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 5,110 |
| Loan loss allowance to noncurrent loans | 61.3398% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.4177% | 3,742 |
| Noncurrent loans to loans | 2.0854% | 3,048 |
| Net loans and leases to total assets | 63.4051% | 2,967 |
| Net loans and leases to deposits | 76.2730% | 2,754 |
| Net loans and leases to core deposits | 79.8007% | 3,095 |
| Total domestic deposits to total assets | 83.1291% | 4,872 |
| Equity capital to assets | 9.9336% | 4,213 |
| Core capital (leverage) ratio | 8.2133% | 6,007 |
| Tier 1 risk-based capital ratio | 11.7065% | 6,151 |
| Total risk-based capital ratio | 13.2487% | 5,948 |
| Memoranda: | ||
| Average total assets | $1,232,575,000 | 540 |
| Average earning assets | $1,121,311,500 | 536 |
| Average equity | $122,895,000 | 583 |
| Average total loans | $800,584,500 | 505 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9071% | 3,315 |
| Cost of funding earning assets | 0.6594% | 5,775 |
| Net interest margin | 4.2476% | 1,894 |
| Noninterest income to average assets | 1.3128% | 748 |
| Noninterest expense to average assets | 3.8761% | 1,218 |
| Loan and lease loss provision to assets | 0.0847% | 5,550 |
| Net operating income to assets | 0.8297% | 2,912 |
| Return on assets (ROA) | 0.8914% | 2,775 |
| Pretax return on assets | 1.3213% | 2,048 |
| Return on Equity (ROE) | 9.0881% | 2,407 |
| Retained earnings to average equity (ytd only) | -1.6564% | 6,109 |
| Net charge-offs to loans | 0.1106% | 5,267 |
| Credit loss provision to net charge-offs | 120.2008% | 2,651 |
| Earnings coverage of net charge-offs (x) | 18.6399% | 1,209 |
| Efficiency ratio | 73.0803% | 3,379 |
| Assets per employee ($millions) | 3.5278% | 4,949 |
| Cash dividends to net income (ytd only)* | 118.2260% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 5,334 |
| Loan loss allowance to noncurrent loans | 39.1989% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.1045% | 2,844 |
| Noncurrent loans to loans | 3.0905% | 2,091 |
| Net loans and leases to total assets | 64.9045% | 3,007 |
| Net loans and leases to deposits | 78.7334% | 2,724 |
| Net loans and leases to core deposits | 82.8506% | 3,049 |
| Total domestic deposits to total assets | 82.4358% | 4,986 |
| Equity capital to assets | 10.0088% | 4,160 |
| Core capital (leverage) ratio | 7.9223% | 6,333 |
| Tier 1 risk-based capital ratio | 11.3577% | 6,251 |
| Total risk-based capital ratio | 12.7923% | 6,123 |
| Memoranda: | ||
| Average total assets | $1,130,662,200 | 578 |
| Average earning assets | $1,032,081,600 | 567 |
| Average equity | $110,903,200 | 624 |
| Average total loans | $720,319,000 | 573 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 3,727 |
| Cost of funding earning assets | 0.6792% | 5,885 |
| Net interest margin | 4.1811% | 2,174 |
| Noninterest income to average assets | 1.3596% | 708 |
| Noninterest expense to average assets | 3.9220% | 1,119 |
| Loan and lease loss provision to assets | 0.1001% | 5,204 |
| Net operating income to assets | 0.7849% | 3,233 |
| Return on assets (ROA) | 0.8699% | 3,006 |
| Pretax return on assets | 1.2863% | 2,334 |
| Return on Equity (ROE) | 8.9188% | 2,635 |
| Retained earnings to average equity (ytd only) | -4.3510% | 6,542 |
| Net charge-offs to loans | 0.1244% | 4,795 |
| Credit loss provision to net charge-offs | 127.3700% | 2,513 |
| Earnings coverage of net charge-offs (x) | 16.0550% | 1,421 |
| Efficiency ratio | 74.0950% | 3,159 |
| Assets per employee ($millions) | 3.6515% | 4,637 |
| Cash dividends to net income (ytd only)* | 148.7849% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 5,355 |
| Loan loss allowance to noncurrent loans | 37.7492% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 2.0814% | 3,049 |
| Noncurrent loans to loans | 3.2510% | 2,134 |
| Net loans and leases to total assets | 61.6460% | 3,806 |
| Net loans and leases to deposits | 74.5863% | 3,577 |
| Net loans and leases to core deposits | 79.7525% | 3,677 |
| Total domestic deposits to total assets | 82.6507% | 4,822 |
| Equity capital to assets | 9.8353% | 4,574 |
| Core capital (leverage) ratio | 7.7140% | 6,628 |
| Tier 1 risk-based capital ratio | 11.2979% | 6,360 |
| Total risk-based capital ratio | 12.7281% | 6,247 |
| Memoranda: | ||
| Average total assets | $1,109,939,250 | 597 |
| Average earning assets | $1,015,073,750 | 588 |
| Average equity | $108,263,500 | 644 |
| Average total loans | $701,071,250 | 596 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8296% | 3,955 |
| Cost of funding earning assets | 0.7055% | 5,925 |
| Net interest margin | 4.1240% | 2,322 |
| Noninterest income to average assets | 1.4141% | 638 |
| Noninterest expense to average assets | 4.1912% | 841 |
| Loan and lease loss provision to assets | 0.0472% | 5,719 |
| Net operating income to assets | 0.6592% | 3,748 |
| Return on assets (ROA) | 0.7476% | 3,427 |
| Pretax return on assets | 1.0801% | 2,933 |
| Return on Equity (ROE) | 7.6905% | 3,104 |
| Retained earnings to average equity (ytd only) | -11.0267% | 6,915 |
| Net charge-offs to loans | -0.0024% | 6,532 |
| Credit loss provision to net charge-offs | -3,125.0000% | 6,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2408% | 2,515 |
| Assets per employee ($millions) | 3.5703% | 4,746 |
| Cash dividends to net income (ytd only)* | 243.3805% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 5,380 |
| Loan loss allowance to noncurrent loans | 39.3864% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 2.0400% | 3,182 |
| Noncurrent loans to loans | 3.1392% | 2,291 |
| Net loans and leases to total assets | 63.0855% | 3,662 |
| Net loans and leases to deposits | 76.6645% | 3,348 |
| Net loans and leases to core deposits | 82.2393% | 3,465 |
| Total domestic deposits to total assets | 82.2878% | 5,067 |
| Equity capital to assets | 9.8824% | 4,291 |
| Core capital (leverage) ratio | 7.5933% | 6,677 |
| Tier 1 risk-based capital ratio | 10.9039% | 6,601 |
| Total risk-based capital ratio | 12.3963% | 6,411 |
| Memoranda: | ||
| Average total assets | $1,058,784,670 | 637 |
| Average earning assets | $969,489,670 | 623 |
| Average equity | $102,931,670 | 672 |
| Average total loans | $671,923,330 | 629 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 5,061 |
| Cost of funding earning assets | 0.7335% | 5,960 |
| Net interest margin | 3.8392% | 3,419 |
| Noninterest income to average assets | 1.4343% | 619 |
| Noninterest expense to average assets | 4.2039% | 815 |
| Loan and lease loss provision to assets | 0.0515% | 5,357 |
| Net operating income to assets | 0.5136% | 4,439 |
| Return on assets (ROA) | 0.5717% | 4,245 |
| Pretax return on assets | 0.7835% | 3,961 |
| Return on Equity (ROE) | 5.9427% | 3,938 |
| Retained earnings to average equity (ytd only) | 2.1209% | 4,868 |
| Net charge-offs to loans | 0.0209% | 4,785 |
| Credit loss provision to net charge-offs | 390.6250% | 855 |
| Earnings coverage of net charge-offs (x) | 57.2813% | 513 |
| Efficiency ratio | 83.5120% | 2,016 |
| Assets per employee ($millions) | 3.0939% | 5,965 |
| Cash dividends to net income (ytd only)* | 64.3115% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 3,887 |
| Loan loss allowance to noncurrent loans | 96.4501% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.0712% | 4,780 |
| Noncurrent loans to loans | 1.6234% | 4,045 |
| Net loans and leases to total assets | 61.2839% | 4,017 |
| Net loans and leases to deposits | 73.4851% | 3,850 |
| Net loans and leases to core deposits | 76.6713% | 4,208 |
| Total domestic deposits to total assets | 83.3964% | 4,746 |
| Equity capital to assets | 9.5374% | 4,384 |
| Core capital (leverage) ratio | 8.2911% | 5,827 |
| Tier 1 risk-based capital ratio | 12.4225% | 5,337 |
| Total risk-based capital ratio | 14.0812% | 4,932 |
| Memoranda: | ||
| Average total assets | $970,519,500 | 694 |
| Average earning assets | $891,120,500 | 681 |
| Average equity | $93,358,000 | 728 |
| Average total loans | $613,354,500 | 702 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 5,516 |
| Cost of funding earning assets | 0.9176% | 6,094 |
| Net interest margin | 3.8543% | 3,719 |
| Noninterest income to average assets | 1.9011% | 433 |
| Noninterest expense to average assets | 3.7825% | 1,521 |
| Loan and lease loss provision to assets | 0.1147% | 6,010 |
| Net operating income to assets | 1.0070% | 2,019 |
| Return on assets (ROA) | 1.0109% | 2,107 |
| Pretax return on assets | 1.5305% | 1,297 |
| Return on Equity (ROE) | 10.9592% | 1,604 |
| Retained earnings to average equity (ytd only) | 7.0662% | 1,290 |
| Net charge-offs to loans | 0.2678% | 4,692 |
| Credit loss provision to net charge-offs | 70.5772% | 5,851 |
| Earnings coverage of net charge-offs (x) | 10.0841% | 1,755 |
| Efficiency ratio | 68.5778% | 4,441 |
| Assets per employee ($millions) | 3.0581% | 5,978 |
| Cash dividends to net income (ytd only)* | 35.5226% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 3,789 |
| Loan loss allowance to noncurrent loans | 89.6376% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.1844% | 4,647 |
| Noncurrent loans to loans | 1.7253% | 3,914 |
| Net loans and leases to total assets | 63.1723% | 4,034 |
| Net loans and leases to deposits | 76.5458% | 3,755 |
| Net loans and leases to core deposits | 79.5683% | 4,265 |
| Total domestic deposits to total assets | 82.5288% | 5,008 |
| Equity capital to assets | 9.7036% | 4,126 |
| Core capital (leverage) ratio | 8.3021% | 5,684 |
| Tier 1 risk-based capital ratio | 12.2721% | 5,236 |
| Total risk-based capital ratio | 13.8846% | 4,890 |
| Memoranda: | ||
| Average total assets | $980,541,200 | 673 |
| Average earning assets | $895,679,000 | 674 |
| Average equity | $90,444,400 | 740 |
| Average total loans | $595,327,600 | 751 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 5,662 |
| Cost of funding earning assets | 0.9514% | 6,168 |
| Net interest margin | 3.8471% | 3,765 |
| Noninterest income to average assets | 1.6669% | 504 |
| Noninterest expense to average assets | 3.6450% | 1,684 |
| Loan and lease loss provision to assets | 0.1521% | 5,522 |
| Net operating income to assets | 0.9458% | 2,432 |
| Return on assets (ROA) | 0.9512% | 2,540 |
| Pretax return on assets | 1.3877% | 1,918 |
| Return on Equity (ROE) | 10.4440% | 1,964 |
| Retained earnings to average equity (ytd only) | 6.5273% | 2,075 |
| Net charge-offs to loans | 0.3233% | 4,048 |
| Credit loss provision to net charge-offs | 78.5615% | 5,182 |
| Earnings coverage of net charge-offs (x) | 7.9141% | 2,242 |
| Efficiency ratio | 69.1663% | 4,232 |
| Assets per employee ($millions) | 3.0398% | 6,061 |
| Cash dividends to net income (ytd only)* | 37.5018% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 3,395 |
| Loan loss allowance to noncurrent loans | 94.1062% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 4,828 |
| Noncurrent loans to loans | 1.7367% | 4,038 |
| Net loans and leases to total assets | 59.9572% | 4,923 |
| Net loans and leases to deposits | 72.2849% | 4,795 |
| Net loans and leases to core deposits | 75.4909% | 5,121 |
| Total domestic deposits to total assets | 82.9457% | 4,614 |
| Equity capital to assets | 9.6552% | 4,611 |
| Core capital (leverage) ratio | 7.9630% | 6,398 |
| Tier 1 risk-based capital ratio | 12.2001% | 5,267 |
| Total risk-based capital ratio | 13.7871% | 4,926 |
| Memoranda: | ||
| Average total assets | $986,381,750 | 668 |
| Average earning assets | $899,937,000 | 663 |
| Average equity | $89,835,250 | 739 |
| Average total loans | $590,617,000 | 760 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8069% | 5,775 |
| Cost of funding earning assets | 0.9868% | 6,212 |
| Net interest margin | 3.8202% | 3,810 |
| Noninterest income to average assets | 1.6519% | 469 |
| Noninterest expense to average assets | 3.6738% | 1,612 |
| Loan and lease loss provision to assets | 0.1512% | 5,390 |
| Net operating income to assets | 0.8955% | 2,568 |
| Return on assets (ROA) | 0.9111% | 2,620 |
| Pretax return on assets | 1.3352% | 1,994 |
| Return on Equity (ROE) | 10.2042% | 2,025 |
| Retained earnings to average equity (ytd only) | 6.2277% | 2,211 |
| Net charge-offs to loans | 0.0915% | 5,219 |
| Credit loss provision to net charge-offs | 277.7778% | 1,339 |
| Earnings coverage of net charge-offs (x) | 26.8815% | 993 |
| Efficiency ratio | 70.2579% | 4,140 |
| Assets per employee ($millions) | 3.1384% | 5,822 |
| Cash dividends to net income (ytd only)* | 38.9688% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 2,808 |
| Loan loss allowance to noncurrent loans | 95.8616% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.1792% | 4,779 |
| Noncurrent loans to loans | 1.8508% | 3,934 |
| Net loans and leases to total assets | 57.9516% | 5,423 |
| Net loans and leases to deposits | 69.4035% | 5,365 |
| Net loans and leases to core deposits | 72.3867% | 5,632 |
| Total domestic deposits to total assets | 83.4994% | 4,339 |
| Equity capital to assets | 9.1299% | 5,251 |
| Core capital (leverage) ratio | 7.7263% | 6,579 |
| Tier 1 risk-based capital ratio | 11.8837% | 5,416 |
| Total risk-based capital ratio | 13.4212% | 5,132 |
| Memoranda: | ||
| Average total assets | $991,943,670 | 664 |
| Average earning assets | $904,981,670 | 659 |
| Average equity | $88,571,670 | 738 |
| Average total loans | $590,468,330 | 760 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 5,838 |
| Cost of funding earning assets | 1.0440% | 6,159 |
| Net interest margin | 3.7714% | 3,913 |
| Noninterest income to average assets | 1.6616% | 463 |
| Noninterest expense to average assets | 3.6517% | 1,613 |
| Loan and lease loss provision to assets | 0.1517% | 5,024 |
| Net operating income to assets | 0.8905% | 2,590 |
| Return on assets (ROA) | 0.8187% | 2,976 |
| Pretax return on assets | 1.1953% | 2,375 |
| Return on Equity (ROE) | 9.2740% | 2,390 |
| Retained earnings to average equity (ytd only) | 5.2327% | 3,023 |
| Net charge-offs to loans | 0.1204% | 4,253 |
| Credit loss provision to net charge-offs | 210.6742% | 1,768 |
| Earnings coverage of net charge-offs (x) | 20.1742% | 1,169 |
| Efficiency ratio | 70.2433% | 4,256 |
| Assets per employee ($millions) | 3.1602% | 5,861 |
| Cash dividends to net income (ytd only)* | 43.5771% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7329% | 2,952 |
| Loan loss allowance to noncurrent loans | 167.9445% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 5,741 |
| Noncurrent loans to loans | 1.0318% | 5,273 |
| Net loans and leases to total assets | 57.3526% | 5,543 |
| Net loans and leases to deposits | 69.1031% | 5,461 |
| Net loans and leases to core deposits | 72.0633% | 5,704 |
| Total domestic deposits to total assets | 82.9957% | 4,630 |
| Equity capital to assets | 8.7874% | 5,574 |
| Core capital (leverage) ratio | 7.5964% | 6,741 |
| Tier 1 risk-based capital ratio | 11.5483% | 5,633 |
| Total risk-based capital ratio | 13.1725% | 5,232 |
| Memoranda: | ||
| Average total assets | $988,903,000 | 685 |
| Average earning assets | $902,698,500 | 679 |
| Average equity | $87,298,000 | 758 |
| Average total loans | $591,293,500 | 783 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3159% | 5,098 |
| Cost of funding earning assets | 1.3551% | 6,121 |
| Net interest margin | 3.9608% | 3,025 |
| Noninterest income to average assets | 1.8154% | 446 |
| Noninterest expense to average assets | 4.2025% | 1,095 |
| Loan and lease loss provision to assets | 0.2663% | 5,280 |
| Net operating income to assets | 0.6890% | 2,981 |
| Return on assets (ROA) | 0.5726% | 3,509 |
| Pretax return on assets | 0.7898% | 3,280 |
| Return on Equity (ROE) | 6.4518% | 3,017 |
| Retained earnings to average equity (ytd only) | -7.0470% | 6,244 |
| Net charge-offs to loans | 0.2703% | 4,931 |
| Credit loss provision to net charge-offs | 154.2821% | 2,960 |
| Earnings coverage of net charge-offs (x) | 7.0422% | 2,234 |
| Efficiency ratio | 75.8933% | 3,547 |
| Assets per employee ($millions) | 2.9842% | 6,261 |
| Cash dividends to net income (ytd only)* | 209.2255% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6722% | 2,997 |
| Loan loss allowance to noncurrent loans | 155.0319% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 5,655 |
| Noncurrent loans to loans | 1.0786% | 5,162 |
| Net loans and leases to total assets | 60.2444% | 5,297 |
| Net loans and leases to deposits | 73.0779% | 5,179 |
| Net loans and leases to core deposits | 82.1938% | 5,894 |
| Total domestic deposits to total assets | 82.4386% | 4,763 |
| Equity capital to assets | 8.8694% | 5,325 |
| Core capital (leverage) ratio | 7.5487% | 6,743 |
| Tier 1 risk-based capital ratio | 11.1206% | 5,808 |
| Total risk-based capital ratio | 12.7286% | 5,377 |
| Memoranda: | ||
| Average total assets | $919,986,800 | 736 |
| Average earning assets | $836,790,200 | 731 |
| Average equity | $81,651,800 | 796 |
| Average total loans | $587,550,600 | 812 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3672% | 5,105 |
| Cost of funding earning assets | 1.4040% | 6,214 |
| Net interest margin | 3.9632% | 2,979 |
| Noninterest income to average assets | 1.8234% | 444 |
| Noninterest expense to average assets | 4.1891% | 1,044 |
| Loan and lease loss provision to assets | 0.3051% | 4,533 |
| Net operating income to assets | 0.6716% | 3,309 |
| Return on assets (ROA) | 0.5834% | 3,731 |
| Pretax return on assets | 0.8099% | 3,507 |
| Return on Equity (ROE) | 6.5726% | 3,269 |
| Retained earnings to average equity (ytd only) | -10.2267% | 6,827 |
| Net charge-offs to loans | 0.2307% | 4,616 |
| Credit loss provision to net charge-offs | 204.8371% | 2,169 |
| Earnings coverage of net charge-offs (x) | 8.3080% | 2,273 |
| Efficiency ratio | 75.3942% | 3,611 |
| Assets per employee ($millions) | 2.9619% | 6,263 |
| Cash dividends to net income (ytd only)* | 255.5950% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6794% | 2,699 |
| Loan loss allowance to noncurrent loans | 175.8084% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 5,818 |
| Noncurrent loans to loans | 0.9552% | 5,384 |
| Net loans and leases to total assets | 61.6457% | 5,303 |
| Net loans and leases to deposits | 74.8700% | 5,236 |
| Net loans and leases to core deposits | 85.4369% | 5,924 |
| Total domestic deposits to total assets | 82.3370% | 4,528 |
| Equity capital to assets | 8.6105% | 6,101 |
| Core capital (leverage) ratio | 7.5692% | 6,899 |
| Tier 1 risk-based capital ratio | 10.8680% | 6,090 |
| Total risk-based capital ratio | 12.4477% | 5,707 |
| Memoranda: | ||
| Average total assets | $906,771,500 | 754 |
| Average earning assets | $824,401,500 | 752 |
| Average equity | $80,493,250 | 813 |
| Average total loans | $585,425,000 | 831 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4195% | 5,039 |
| Cost of funding earning assets | 1.4502% | 6,322 |
| Net interest margin | 3.9692% | 2,832 |
| Noninterest income to average assets | 1.7974% | 454 |
| Noninterest expense to average assets | 4.3658% | 882 |
| Loan and lease loss provision to assets | 0.1803% | 5,244 |
| Net operating income to assets | 0.6201% | 3,588 |
| Return on assets (ROA) | 0.5534% | 3,983 |
| Pretax return on assets | 0.7608% | 3,801 |
| Return on Equity (ROE) | 6.1675% | 3,573 |
| Retained earnings to average equity (ytd only) | -17.0981% | 7,350 |
| Net charge-offs to loans | 0.2675% | 3,857 |
| Credit loss provision to net charge-offs | 103.3592% | 4,439 |
| Earnings coverage of net charge-offs (x) | 5.9173% | 2,729 |
| Efficiency ratio | 78.8065% | 3,218 |
| Assets per employee ($millions) | 2.9251% | 6,323 |
| Cash dividends to net income (ytd only)* | 377.2301% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 3,282 |
| Loan loss allowance to noncurrent loans | 173.1323% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 5,843 |
| Noncurrent loans to loans | 0.8574% | 5,502 |
| Net loans and leases to total assets | 63.9366% | 4,999 |
| Net loans and leases to deposits | 77.6023% | 4,934 |
| Net loans and leases to core deposits | 88.8888% | 5,646 |
| Total domestic deposits to total assets | 82.3901% | 4,526 |
| Equity capital to assets | 8.4371% | 6,146 |
| Core capital (leverage) ratio | 7.9896% | 6,350 |
| Tier 1 risk-based capital ratio | 10.5251% | 6,354 |
| Total risk-based capital ratio | 12.0593% | 6,008 |
| Memoranda: | ||
| Average total assets | $887,172,000 | 791 |
| Average earning assets | $804,838,330 | 791 |
| Average equity | $79,611,000 | 831 |
| Average total loans | $578,767,000 | 859 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4787% | 5,021 |
| Cost of funding earning assets | 1.5241% | 6,329 |
| Net interest margin | 3.9546% | 2,838 |
| Noninterest income to average assets | 1.7211% | 457 |
| Noninterest expense to average assets | 4.1037% | 1,058 |
| Loan and lease loss provision to assets | 0.1984% | 4,457 |
| Net operating income to assets | 0.6909% | 3,601 |
| Return on assets (ROA) | 0.8150% | 3,220 |
| Pretax return on assets | 1.1904% | 2,660 |
| Return on Equity (ROE) | 8.7920% | 2,798 |
| Retained earnings to average equity (ytd only) | 4.3608% | 3,493 |
| Net charge-offs to loans | 0.2804% | 2,996 |
| Credit loss provision to net charge-offs | 108.1425% | 3,546 |
| Earnings coverage of net charge-offs (x) | 6.5751% | 2,481 |
| Efficiency ratio | 74.9275% | 3,676 |
| Assets per employee ($millions) | 2.9098% | 6,392 |
| Cash dividends to net income (ytd only)* | 50.4009% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 2,332 |
| Loan loss allowance to noncurrent loans | 109.3062% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9722% | 4,764 |
| Noncurrent loans to loans | 1.5037% | 4,034 |
| Net loans and leases to total assets | 62.2253% | 5,282 |
| Net loans and leases to deposits | 77.6044% | 4,988 |
| Net loans and leases to core deposits | 87.9523% | 5,745 |
| Total domestic deposits to total assets | 80.1826% | 5,294 |
| Equity capital to assets | 9.0463% | 5,301 |
| Core capital (leverage) ratio | 8.4304% | 5,662 |
| Tier 1 risk-based capital ratio | 11.6990% | 5,208 |
| Total risk-based capital ratio | 13.2343% | 4,867 |
| Memoranda: | ||
| Average total assets | $856,885,500 | 818 |
| Average earning assets | $777,634,000 | 824 |
| Average equity | $79,435,500 | 830 |
| Average total loans | $560,607,000 | 899 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0849% | 5,122 |
| Cost of funding earning assets | 1.9800% | 6,471 |
| Net interest margin | 4.1049% | 2,690 |
| Noninterest income to average assets | 1.9968% | 344 |
| Noninterest expense to average assets | 3.9893% | 1,434 |
| Loan and lease loss provision to assets | 0.1733% | 5,171 |
| Net operating income to assets | 1.0022% | 2,550 |
| Return on assets (ROA) | 0.9851% | 2,493 |
| Pretax return on assets | 1.4714% | 1,762 |
| Return on Equity (ROE) | 9.8706% | 2,307 |
| Retained earnings to average equity (ytd only) | 5.3617% | 1,831 |
| Net charge-offs to loans | 0.1420% | 4,795 |
| Credit loss provision to net charge-offs | 181.9322% | 2,750 |
| Earnings coverage of net charge-offs (x) | 17.5345% | 1,762 |
| Efficiency ratio | 67.8331% | 4,751 |
| Assets per employee ($millions) | 2.7377% | 6,710 |
| Cash dividends to net income (ytd only)* | 45.6807% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 2,198 |
| Loan loss allowance to noncurrent loans | 239.6683% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 5,721 |
| Noncurrent loans to loans | 0.6721% | 5,351 |
| Net loans and leases to total assets | 66.6051% | 4,729 |
| Net loans and leases to deposits | 84.5626% | 4,327 |
| Net loans and leases to core deposits | 94.8400% | 5,373 |
| Total domestic deposits to total assets | 78.7642% | 5,461 |
| Equity capital to assets | 9.5060% | 4,685 |
| Core capital (leverage) ratio | 8.4157% | 5,724 |
| Tier 1 risk-based capital ratio | 11.4938% | 5,244 |
| Total risk-based capital ratio | 13.0953% | 4,852 |
| Memoranda: | ||
| Average total assets | $836,688,200 | 807 |
| Average earning assets | $746,568,600 | 819 |
| Average equity | $83,500,200 | 800 |
| Average total loans | $561,366,000 | 848 |