Home > Commerce Bank > Performance and Condition Ratios
Commerce Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7881% | 3,471 |
| Cost of funding earning assets | 1.7710% | 2,533 |
| Net interest margin | 3.0171% | 3,361 |
| Noninterest income to average assets | 0.8900% | 688 |
| Noninterest expense to average assets | 1.2180% | 4,340 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 1.8978% | 536 |
| Return on assets (ROA) | 1.9142% | 521 |
| Pretax return on assets | 2.4269% | 349 |
| Return on Equity (ROE) | 17.1200% | 743 |
| Retained earnings to average equity (ytd only) | 17.1226% | 268 |
| Net charge-offs to loans | 0.1006% | 830 |
| Credit loss provision to net charge-offs | 294.8718% | 721 |
| Earnings coverage of net charge-offs (x) | 120.7179% | 622 |
| Efficiency ratio | 32.6563% | 4,384 |
| Assets per employee ($millions) | 16.3999% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8472% | 494 |
| Loan loss allowance to noncurrent loans | 621.4592% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,240 |
| Noncurrent loans to loans | 0.2972% | 2,426 |
| Net loans and leases to total assets | 20.4000% | 4,293 |
| Net loans and leases to deposits | 23.2404% | 4,310 |
| Net loans and leases to core deposits | 30.4090% | 4,263 |
| Total domestic deposits to total assets | 87.7700% | 1,627 |
| Equity capital to assets | 11.6166% | 1,378 |
| Core capital (leverage) ratio | 13.8692% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6708% | 152 |
| Memoranda: | ||
| Average total assets | $749,754,500 | 1,303 |
| Average earning assets | $706,502,500 | 1,287 |
| Average equity | $83,819,000 | 1,193 |
| Average total loans | $155,090,000 | 2,721 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 3,222 |
| Cost of funding earning assets | 1.8305% | 2,647 |
| Net interest margin | 3.0943% | 2,957 |
| Noninterest income to average assets | 1.0000% | 617 |
| Noninterest expense to average assets | 1.2505% | 4,361 |
| Loan and lease loss provision to assets | -0.0400% | 4,239 |
| Net operating income to assets | 2.1236% | 330 |
| Return on assets (ROA) | 2.1208% | 331 |
| Pretax return on assets | 2.6832% | 246 |
| Return on Equity (ROE) | 19.0800% | 467 |
| Retained earnings to average equity (ytd only) | 6.2434% | 1,726 |
| Net charge-offs to loans | 0.1201% | 1,040 |
| Credit loss provision to net charge-offs | -137.6289% | 4,372 |
| Earnings coverage of net charge-offs (x) | 95.7423% | 826 |
| Efficiency ratio | 32.0604% | 4,410 |
| Assets per employee ($millions) | 16.5580% | 170 |
| Cash dividends to net income (ytd only)* | 67.2721% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 500 |
| Loan loss allowance to noncurrent loans | 1,575.4190% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,539 |
| Noncurrent loans to loans | 0.1167% | 3,056 |
| Net loans and leases to total assets | 20.2100% | 4,316 |
| Net loans and leases to deposits | 22.7790% | 4,329 |
| Net loans and leases to core deposits | 29.8352% | 4,285 |
| Total domestic deposits to total assets | 88.7200% | 1,255 |
| Equity capital to assets | 10.7370% | 1,704 |
| Core capital (leverage) ratio | 13.5279% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5609% | 161 |
| Memoranda: | ||
| Average total assets | $700,906,200 | 1,343 |
| Average earning assets | $656,169,400 | 1,333 |
| Average equity | $77,922,400 | 1,229 |
| Average total loans | $161,593,400 | 2,643 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 3,085 |
| Cost of funding earning assets | 1.8145% | 2,672 |
| Net interest margin | 3.1524% | 2,785 |
| Noninterest income to average assets | 1.0500% | 550 |
| Noninterest expense to average assets | 1.3044% | 4,363 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 2.1244% | 356 |
| Return on assets (ROA) | 2.1330% | 359 |
| Pretax return on assets | 2.7083% | 264 |
| Return on Equity (ROE) | 19.0100% | 490 |
| Retained earnings to average equity (ytd only) | 1.7846% | 3,518 |
| Net charge-offs to loans | 0.1198% | 876 |
| Credit loss provision to net charge-offs | -60.5442% | 4,375 |
| Earnings coverage of net charge-offs (x) | 94.6259% | 822 |
| Efficiency ratio | 32.6686% | 4,433 |
| Assets per employee ($millions) | 15.9484% | 180 |
| Cash dividends to net income (ytd only)* | 90.6125% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 427 |
| Loan loss allowance to noncurrent loans | 340.6040% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 2,884 |
| Noncurrent loans to loans | 0.5733% | 1,659 |
| Net loans and leases to total assets | 20.8400% | 4,343 |
| Net loans and leases to deposits | 24.2130% | 4,356 |
| Net loans and leases to core deposits | 31.9970% | 4,302 |
| Total domestic deposits to total assets | 86.0700% | 1,904 |
| Equity capital to assets | 11.1584% | 1,653 |
| Core capital (leverage) ratio | 13.3192% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.2299% | 164 |
| Memoranda: | ||
| Average total assets | $689,854,750 | 1,349 |
| Average earning assets | $644,485,500 | 1,341 |
| Average equity | $77,402,250 | 1,225 |
| Average total loans | $163,641,500 | 2,620 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9480% | 3,037 |
| Cost of funding earning assets | 1.7742% | 2,685 |
| Net interest margin | 3.1738% | 2,683 |
| Noninterest income to average assets | 1.1400% | 489 |
| Noninterest expense to average assets | 1.3050% | 4,384 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 2.1795% | 349 |
| Return on assets (ROA) | 2.1704% | 348 |
| Pretax return on assets | 2.7574% | 259 |
| Return on Equity (ROE) | 19.3100% | 496 |
| Retained earnings to average equity (ytd only) | 19.3055% | 140 |
| Net charge-offs to loans | 0.1227% | 776 |
| Credit loss provision to net charge-offs | 21.5686% | 1,935 |
| Earnings coverage of net charge-offs (x) | 92.3627% | 808 |
| Efficiency ratio | 31.8652% | 4,456 |
| Assets per employee ($millions) | 15.2743% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9750% | 412 |
| Loan loss allowance to noncurrent loans | 1,778.3333% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,558 |
| Noncurrent loans to loans | 0.1111% | 3,092 |
| Net loans and leases to total assets | 22.6100% | 4,348 |
| Net loans and leases to deposits | 25.6569% | 4,368 |
| Net loans and leases to core deposits | 33.6602% | 4,299 |
| Total domestic deposits to total assets | 88.1300% | 1,280 |
| Equity capital to assets | 11.2233% | 1,467 |
| Core capital (leverage) ratio | 14.5688% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8726% | 146 |
| Memoranda: | ||
| Average total assets | $675,263,667 | 1,377 |
| Average earning assets | $629,143,000 | 1,362 |
| Average equity | $75,916,000 | 1,241 |
| Average total loans | $166,213,333 | 2,599 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 2,980 |
| Cost of funding earning assets | 1.7164% | 2,729 |
| Net interest margin | 3.1830% | 2,600 |
| Noninterest income to average assets | 1.1700% | 444 |
| Noninterest expense to average assets | 1.2987% | 4,410 |
| Loan and lease loss provision to assets | -0.1500% | 4,483 |
| Net operating income to assets | 2.3357% | 293 |
| Return on assets (ROA) | 2.3223% | 300 |
| Pretax return on assets | 2.9493% | 225 |
| Return on Equity (ROE) | 20.6400% | 403 |
| Retained earnings to average equity (ytd only) | 20.6379% | 172 |
| Net charge-offs to loans | 0.1046% | 705 |
| Credit loss provision to net charge-offs | -554.5455% | 4,529 |
| Earnings coverage of net charge-offs (x) | 105.9545% | 650 |
| Efficiency ratio | 31.5419% | 4,454 |
| Assets per employee ($millions) | 17.4341% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 536 |
| Loan loss allowance to noncurrent loans | 6,235.4167% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,777 |
| Noncurrent loans to loans | 0.0292% | 3,571 |
| Net loans and leases to total assets | 23.7300% | 4,363 |
| Net loans and leases to deposits | 26.8972% | 4,369 |
| Net loans and leases to core deposits | 34.3486% | 4,353 |
| Total domestic deposits to total assets | 88.2300% | 1,341 |
| Equity capital to assets | 11.0903% | 1,468 |
| Core capital (leverage) ratio | 14.7622% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8326% | 160 |
| Memoranda: | ||
| Average total assets | $661,587,000 | 1,402 |
| Average earning assets | $613,384,000 | 1,398 |
| Average equity | $74,445,500 | 1,250 |
| Average total loans | $168,280,000 | 2,577 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 2,701 |
| Cost of funding earning assets | 1.1269% | 2,997 |
| Net interest margin | 3.5648% | 2,034 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 1.2807% | 4,445 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 2.1996% | 337 |
| Return on assets (ROA) | 2.2040% | 327 |
| Pretax return on assets | 2.7956% | 255 |
| Return on Equity (ROE) | 19.4800% | 660 |
| Retained earnings to average equity (ytd only) | -1.0309% | 4,188 |
| Net charge-offs to loans | 0.1812% | 590 |
| Credit loss provision to net charge-offs | 303.9867% | 952 |
| Earnings coverage of net charge-offs (x) | 62.9535% | 1,159 |
| Efficiency ratio | 30.4036% | 4,491 |
| Assets per employee ($millions) | 15.3154% | 197 |
| Cash dividends to net income (ytd only)* | 105.2927% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9053% | 450 |
| Loan loss allowance to noncurrent loans | 1,458.2222% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 2,898 |
| Noncurrent loans to loans | 0.1307% | 2,860 |
| Net loans and leases to total assets | 26.2600% | 4,347 |
| Net loans and leases to deposits | 29.8182% | 4,357 |
| Net loans and leases to core deposits | 37.0384% | 4,328 |
| Total domestic deposits to total assets | 88.0700% | 1,331 |
| Equity capital to assets | 11.4241% | 1,322 |
| Core capital (leverage) ratio | 14.4963% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8221% | 167 |
| Memoranda: | ||
| Average total assets | $646,371,800 | 1,382 |
| Average earning assets | $597,935,800 | 1,380 |
| Average equity | $73,140,600 | 1,206 |
| Average total loans | $166,099,200 | 2,551 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 2,580 |
| Cost of funding earning assets | 0.9885% | 3,071 |
| Net interest margin | 3.6555% | 1,873 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 1.3501% | 4,427 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 2.2131% | 369 |
| Return on assets (ROA) | 2.1999% | 368 |
| Pretax return on assets | 2.8005% | 278 |
| Return on Equity (ROE) | 19.4900% | 775 |
| Retained earnings to average equity (ytd only) | 19.4882% | 278 |
| Net charge-offs to loans | 0.1142% | 700 |
| Credit loss provision to net charge-offs | 421.2766% | 702 |
| Earnings coverage of net charge-offs (x) | 101.1915% | 912 |
| Efficiency ratio | 31.4730% | 4,505 |
| Assets per employee ($millions) | 14.5574% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 541 |
| Loan loss allowance to noncurrent loans | 2,437.5000% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,126 |
| Noncurrent loans to loans | 0.0748% | 3,222 |
| Net loans and leases to total assets | 26.2200% | 4,374 |
| Net loans and leases to deposits | 29.8051% | 4,380 |
| Net loans and leases to core deposits | 36.7671% | 4,314 |
| Total domestic deposits to total assets | 87.9600% | 1,588 |
| Equity capital to assets | 11.4763% | 1,187 |
| Core capital (leverage) ratio | 15.9818% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.4578% | 140 |
| Memoranda: | ||
| Average total assets | $647,153,500 | 1,381 |
| Average earning assets | $599,126,500 | 1,379 |
| Average equity | $73,054,500 | 1,202 |
| Average total loans | $164,572,000 | 2,570 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5150% | 2,608 |
| Cost of funding earning assets | 0.8423% | 3,091 |
| Net interest margin | 3.6727% | 1,872 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 1.3389% | 4,455 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 2.1809% | 365 |
| Return on assets (ROA) | 2.1809% | 357 |
| Pretax return on assets | 2.7775% | 256 |
| Return on Equity (ROE) | 19.4300% | 779 |
| Retained earnings to average equity (ytd only) | 19.4258% | 267 |
| Net charge-offs to loans | 0.1244% | 588 |
| Credit loss provision to net charge-offs | 515.8416% | 641 |
| Earnings coverage of net charge-offs (x) | 94.4455% | 967 |
| Efficiency ratio | 31.3049% | 4,533 |
| Assets per employee ($millions) | 15.7954% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 591 |
| Loan loss allowance to noncurrent loans | 2,489.5161% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 3,071 |
| Noncurrent loans to loans | 0.0728% | 3,172 |
| Net loans and leases to total assets | 25.8100% | 4,396 |
| Net loans and leases to deposits | 29.2756% | 4,410 |
| Net loans and leases to core deposits | 35.9624% | 4,326 |
| Total domestic deposits to total assets | 88.1700% | 1,544 |
| Equity capital to assets | 11.3902% | 1,232 |
| Core capital (leverage) ratio | 15.4813% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8770% | 141 |
| Memoranda: | ||
| Average total assets | $649,362,667 | 1,375 |
| Average earning assets | $601,460,667 | 1,376 |
| Average equity | $72,903,000 | 1,198 |
| Average total loans | $162,414,000 | 2,578 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 3,054 |
| Cost of funding earning assets | 0.6591% | 3,192 |
| Net interest margin | 3.5364% | 2,272 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 1.3429% | 4,514 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 2.0385% | 460 |
| Return on assets (ROA) | 2.0589% | 450 |
| Pretax return on assets | 2.6230% | 311 |
| Return on Equity (ROE) | 18.4700% | 965 |
| Retained earnings to average equity (ytd only) | 18.4732% | 479 |
| Net charge-offs to loans | 0.0681% | 728 |
| Credit loss provision to net charge-offs | 1,000.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 166.3704% | 572 |
| Efficiency ratio | 32.7041% | 4,585 |
| Assets per employee ($millions) | 15.9885% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 613 |
| Loan loss allowance to noncurrent loans | 387.6165% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 2,348 |
| Noncurrent loans to loans | 0.4749% | 1,527 |
| Net loans and leases to total assets | 23.6800% | 4,484 |
| Net loans and leases to deposits | 26.9145% | 4,489 |
| Net loans and leases to core deposits | 32.3761% | 4,414 |
| Total domestic deposits to total assets | 87.9900% | 1,930 |
| Equity capital to assets | 11.6070% | 1,123 |
| Core capital (leverage) ratio | 15.0700% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.0426% | 145 |
| Memoranda: | ||
| Average total assets | $650,238,500 | 1,394 |
| Average earning assets | $603,216,000 | 1,395 |
| Average equity | $72,472,500 | 1,217 |
| Average total loans | $158,500,000 | 2,638 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8510% | 4,279 |
| Cost of funding earning assets | 0.2045% | 3,717 |
| Net interest margin | 2.6466% | 4,118 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 1.1811% | 4,613 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.6725% | 571 |
| Return on assets (ROA) | 1.6313% | 606 |
| Pretax return on assets | 2.0682% | 407 |
| Return on Equity (ROE) | 13.3500% | 1,693 |
| Retained earnings to average equity (ytd only) | -5.3449% | 4,579 |
| Net charge-offs to loans | 0.0883% | 789 |
| Credit loss provision to net charge-offs | 139.4366% | 1,346 |
| Earnings coverage of net charge-offs (x) | 99.4296% | 977 |
| Efficiency ratio | 35.4530% | 4,609 |
| Assets per employee ($millions) | 16.9723% | 145 |
| Cash dividends to net income (ytd only)* | 140.0429% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 826 |
| Loan loss allowance to noncurrent loans | 653.6765% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 2,720 |
| Noncurrent loans to loans | 0.2569% | 2,242 |
| Net loans and leases to total assets | 24.2200% | 4,503 |
| Net loans and leases to deposits | 27.1833% | 4,512 |
| Net loans and leases to core deposits | 32.5497% | 4,439 |
| Total domestic deposits to total assets | 89.0800% | 1,692 |
| Equity capital to assets | 10.6765% | 1,385 |
| Core capital (leverage) ratio | 14.3875% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4255% | 132 |
| Memoranda: | ||
| Average total assets | $656,574,200 | 1,367 |
| Average earning assets | $606,373,600 | 1,373 |
| Average equity | $80,244,800 | 1,126 |
| Average total loans | $160,761,000 | 2,533 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3173% | 4,509 |
| Cost of funding earning assets | 0.1363% | 3,756 |
| Net interest margin | 2.1810% | 4,456 |
| Noninterest income to average assets | 0.7958% | 1,053 |
| Noninterest expense to average assets | 1.1707% | 4,657 |
| Loan and lease loss provision to assets | -0.1001% | 4,593 |
| Net operating income to assets | 1.3606% | 1,000 |
| Return on assets (ROA) | 1.3050% | 1,105 |
| Pretax return on assets | 1.6626% | 819 |
| Return on Equity (ROE) | 9.7335% | 2,431 |
| Retained earnings to average equity (ytd only) | -24.0947% | 4,739 |
| Net charge-offs to loans | 0.0835% | 655 |
| Credit loss provision to net charge-offs | -486.7647% | 3,372 |
| Earnings coverage of net charge-offs (x) | 79.4265% | 938 |
| Efficiency ratio | 41.7556% | 4,576 |
| Assets per employee ($millions) | 18.9098% | 114 |
| Cash dividends to net income (ytd only)* | 347.5440% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,711 |
| Loan loss allowance to noncurrent loans | 265.5462% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 2,823 |
| Noncurrent loans to loans | 0.5313% | 1,560 |
| Net loans and leases to total assets | 23.3548% | 4,606 |
| Net loans and leases to deposits | 26.5683% | 4,612 |
| Net loans and leases to core deposits | 33.0104% | 4,508 |
| Total domestic deposits to total assets | 87.9048% | 2,614 |
| Equity capital to assets | 11.7998% | 939 |
| Core capital (leverage) ratio | 13.6384% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.5258% | 92 |
| Memoranda: | ||
| Average total assets | $661,481,000 | 1,372 |
| Average earning assets | $608,992,333 | 1,386 |
| Average equity | $88,683,333 | 1,067 |
| Average total loans | $162,907,000 | 2,527 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1537% | 4,552 |
| Cost of funding earning assets | 0.1361% | 3,685 |
| Net interest margin | 2.0175% | 4,503 |
| Noninterest income to average assets | 0.7736% | 1,104 |
| Noninterest expense to average assets | 1.4245% | 4,512 |
| Loan and lease loss provision to assets | -0.0248% | 4,462 |
| Net operating income to assets | 0.9498% | 2,074 |
| Return on assets (ROA) | 0.8843% | 2,339 |
| Pretax return on assets | 1.1287% | 2,054 |
| Return on Equity (ROE) | 6.2228% | 3,280 |
| Retained earnings to average equity (ytd only) | -57.6226% | 4,783 |
| Net charge-offs to loans | 0.0892% | 566 |
| Credit loss provision to net charge-offs | -110.8108% | 2,896 |
| Earnings coverage of net charge-offs (x) | 53.0270% | 907 |
| Efficiency ratio | 54.5518% | 4,020 |
| Assets per employee ($millions) | 18.1972% | 128 |
| Cash dividends to net income (ytd only)* | 1,025.9918% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 1,463 |
| Loan loss allowance to noncurrent loans | 205.1864% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 2,499 |
| Noncurrent loans to loans | 0.7454% | 1,275 |
| Net loans and leases to total assets | 24.8851% | 4,597 |
| Net loans and leases to deposits | 28.4960% | 4,585 |
| Net loans and leases to core deposits | 35.9992% | 4,427 |
| Total domestic deposits to total assets | 87.3285% | 2,808 |
| Equity capital to assets | 12.2649% | 868 |
| Core capital (leverage) ratio | 13.4704% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.8113% | 100 |
| Memoranda: | ||
| Average total assets | $661,300,500 | 1,378 |
| Average earning assets | $602,318,000 | 1,406 |
| Average equity | $93,977,000 | 1,041 |
| Average total loans | $165,968,500 | 2,498 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3089% | 4,584 |
| Cost of funding earning assets | 0.1631% | 3,841 |
| Net interest margin | 2.1458% | 4,515 |
| Noninterest income to average assets | 1.0314% | 938 |
| Noninterest expense to average assets | 1.2468% | 4,698 |
| Loan and lease loss provision to assets | -0.0055% | 4,150 |
| Net operating income to assets | 1.4576% | 1,116 |
| Return on assets (ROA) | 1.4461% | 1,220 |
| Pretax return on assets | 1.7620% | 999 |
| Return on Equity (ROE) | 8.4058% | 3,104 |
| Retained earnings to average equity (ytd only) | 8.4058% | 1,387 |
| Net charge-offs to loans | 0.0421% | 1,430 |
| Credit loss provision to net charge-offs | -44.1558% | 3,245 |
| Earnings coverage of net charge-offs (x) | 142.2987% | 695 |
| Efficiency ratio | 41.3217% | 4,653 |
| Assets per employee ($millions) | 15.1705% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,335 |
| Loan loss allowance to noncurrent loans | 238.0128% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 2,789 |
| Noncurrent loans to loans | 0.6593% | 1,516 |
| Net loans and leases to total assets | 24.5351% | 4,656 |
| Net loans and leases to deposits | 29.3853% | 4,633 |
| Net loans and leases to core deposits | 37.3270% | 4,486 |
| Total domestic deposits to total assets | 83.4943% | 3,694 |
| Equity capital to assets | 16.1209% | 369 |
| Core capital (leverage) ratio | 16.0960% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.2374% | 82 |
| Memoranda: | ||
| Average total assets | $618,844,600 | 1,415 |
| Average earning assets | $572,734,000 | 1,427 |
| Average equity | $106,462,000 | 959 |
| Average total loans | $182,866,000 | 2,361 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2460% | 4,695 |
| Cost of funding earning assets | 0.1685% | 3,938 |
| Net interest margin | 2.0775% | 4,637 |
| Noninterest income to average assets | 1.1237% | 899 |
| Noninterest expense to average assets | 1.3127% | 4,743 |
| Loan and lease loss provision to assets | -0.0646% | 4,508 |
| Net operating income to assets | 1.5046% | 1,265 |
| Return on assets (ROA) | 1.4940% | 1,334 |
| Pretax return on assets | 1.8109% | 1,144 |
| Return on Equity (ROE) | 8.5366% | 3,249 |
| Retained earnings to average equity (ytd only) | 8.5366% | 1,866 |
| Net charge-offs to loans | 0.0292% | 1,465 |
| Credit loss provision to net charge-offs | -717.0732% | 3,760 |
| Earnings coverage of net charge-offs (x) | 195.2439% | 566 |
| Efficiency ratio | 42.7314% | 4,635 |
| Assets per employee ($millions) | 14.6194% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 2,199 |
| Loan loss allowance to noncurrent loans | 261.0503% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 3,140 |
| Noncurrent loans to loans | 0.5193% | 2,001 |
| Net loans and leases to total assets | 27.6209% | 4,663 |
| Net loans and leases to deposits | 33.6820% | 4,632 |
| Net loans and leases to core deposits | 43.1533% | 4,411 |
| Total domestic deposits to total assets | 82.0050% | 3,928 |
| Equity capital to assets | 17.2629% | 324 |
| Core capital (leverage) ratio | 16.4647% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.9164% | 95 |
| Memoranda: | ||
| Average total assets | $606,680,250 | 1,449 |
| Average earning assets | $568,941,500 | 1,449 |
| Average equity | $106,175,750 | 978 |
| Average total loans | $186,986,750 | 2,363 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2463% | 4,745 |
| Cost of funding earning assets | 0.1759% | 3,984 |
| Net interest margin | 2.0704% | 4,668 |
| Noninterest income to average assets | 1.2880% | 701 |
| Noninterest expense to average assets | 1.2924% | 4,793 |
| Loan and lease loss provision to assets | -0.0257% | 4,450 |
| Net operating income to assets | 1.6510% | 954 |
| Return on assets (ROA) | 1.6384% | 1,021 |
| Pretax return on assets | 1.9464% | 929 |
| Return on Equity (ROE) | 9.3174% | 3,007 |
| Retained earnings to average equity (ytd only) | 9.3174% | 1,621 |
| Net charge-offs to loans | 0.0157% | 1,632 |
| Credit loss provision to net charge-offs | -513.3333% | 3,471 |
| Earnings coverage of net charge-offs (x) | 386.7333% | 317 |
| Efficiency ratio | 40.0351% | 4,746 |
| Assets per employee ($millions) | 13.3370% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 1,759 |
| Loan loss allowance to noncurrent loans | 257.3386% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 3,152 |
| Noncurrent loans to loans | 0.5643% | 1,986 |
| Net loans and leases to total assets | 29.0918% | 4,680 |
| Net loans and leases to deposits | 36.0938% | 4,631 |
| Net loans and leases to core deposits | 47.4788% | 4,351 |
| Total domestic deposits to total assets | 80.6004% | 4,141 |
| Equity capital to assets | 17.5220% | 297 |
| Core capital (leverage) ratio | 16.4190% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.9012% | 87 |
| Memoranda: | ||
| Average total assets | $599,361,667 | 1,460 |
| Average earning assets | $561,628,667 | 1,455 |
| Average equity | $105,394,000 | 976 |
| Average total loans | $190,642,000 | 2,341 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3406% | 4,745 |
| Cost of funding earning assets | 0.1822% | 4,065 |
| Net interest margin | 2.1584% | 4,647 |
| Noninterest income to average assets | 1.8329% | 428 |
| Noninterest expense to average assets | 1.2622% | 4,839 |
| Loan and lease loss provision to assets | -0.0162% | 4,597 |
| Net operating income to assets | 2.2740% | 372 |
| Return on assets (ROA) | 2.2428% | 421 |
| Pretax return on assets | 2.5677% | 390 |
| Return on Equity (ROE) | 12.7312% | 1,744 |
| Retained earnings to average equity (ytd only) | 12.7312% | 971 |
| Net charge-offs to loans | 0.0450% | 1,030 |
| Credit loss provision to net charge-offs | -109.0909% | 2,846 |
| Earnings coverage of net charge-offs (x) | 174.1364% | 441 |
| Efficiency ratio | 32.7895% | 4,887 |
| Assets per employee ($millions) | 12.5397% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 1,904 |
| Loan loss allowance to noncurrent loans | 230.5771% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 3,201 |
| Noncurrent loans to loans | 0.6123% | 2,040 |
| Net loans and leases to total assets | 31.0582% | 4,666 |
| Net loans and leases to deposits | 38.6752% | 4,606 |
| Net loans and leases to core deposits | 50.9497% | 4,247 |
| Total domestic deposits to total assets | 80.3052% | 4,161 |
| Equity capital to assets | 17.5837% | 275 |
| Core capital (leverage) ratio | 17.0154% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0157% | 108 |
| Memoranda: | ||
| Average total assets | $592,291,000 | 1,462 |
| Average earning assets | $553,371,000 | 1,464 |
| Average equity | $104,342,000 | 973 |
| Average total loans | $195,408,500 | 2,313 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1227% | 4,540 |
| Cost of funding earning assets | 0.3693% | 3,770 |
| Net interest margin | 2.7534% | 4,320 |
| Noninterest income to average assets | 1.1665% | 804 |
| Noninterest expense to average assets | 1.5533% | 4,738 |
| Loan and lease loss provision to assets | 0.2093% | 1,878 |
| Net operating income to assets | 1.6312% | 599 |
| Return on assets (ROA) | 1.6409% | 629 |
| Pretax return on assets | 1.9719% | 483 |
| Return on Equity (ROE) | 8.9338% | 2,426 |
| Retained earnings to average equity (ytd only) | 1.9605% | 3,842 |
| Net charge-offs to loans | 0.1282% | 1,228 |
| Credit loss provision to net charge-offs | 445.1362% | 1,340 |
| Earnings coverage of net charge-offs (x) | 46.1362% | 1,275 |
| Efficiency ratio | 41.7232% | 4,842 |
| Assets per employee ($millions) | 12.3974% | 297 |
| Cash dividends to net income (ytd only)* | 78.0553% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 2,183 |
| Loan loss allowance to noncurrent loans | 226.4559% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 3,256 |
| Noncurrent loans to loans | 0.5974% | 2,201 |
| Net loans and leases to total assets | 34.0630% | 4,644 |
| Net loans and leases to deposits | 41.7361% | 4,603 |
| Net loans and leases to core deposits | 55.9366% | 4,155 |
| Total domestic deposits to total assets | 81.6150% | 3,741 |
| Equity capital to assets | 17.6508% | 292 |
| Core capital (leverage) ratio | 16.6876% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.7185% | 156 |
| Memoranda: | ||
| Average total assets | $546,525,200 | 1,437 |
| Average earning assets | $507,412,600 | 1,440 |
| Average equity | $100,383,200 | 957 |
| Average total loans | $200,539,400 | 2,231 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3339% | 4,431 |
| Cost of funding earning assets | 0.4167% | 3,725 |
| Net interest margin | 2.9172% | 4,151 |
| Noninterest income to average assets | 1.3078% | 638 |
| Noninterest expense to average assets | 1.6593% | 4,671 |
| Loan and lease loss provision to assets | 0.2182% | 1,839 |
| Net operating income to assets | 1.7872% | 466 |
| Return on assets (ROA) | 1.8024% | 502 |
| Pretax return on assets | 2.1487% | 379 |
| Return on Equity (ROE) | 9.7104% | 2,129 |
| Retained earnings to average equity (ytd only) | 0.3555% | 4,417 |
| Net charge-offs to loans | 0.1517% | 964 |
| Credit loss provision to net charge-offs | 385.9649% | 1,504 |
| Earnings coverage of net charge-offs (x) | 41.5307% | 1,334 |
| Efficiency ratio | 41.3975% | 4,861 |
| Assets per employee ($millions) | 10.7549% | 404 |
| Cash dividends to net income (ytd only)* | 96.3391% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,503 |
| Loan loss allowance to noncurrent loans | 219.8763% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 3,427 |
| Noncurrent loans to loans | 0.5595% | 2,396 |
| Net loans and leases to total assets | 35.7333% | 4,689 |
| Net loans and leases to deposits | 44.3099% | 4,647 |
| Net loans and leases to core deposits | 58.3307% | 4,286 |
| Total domestic deposits to total assets | 80.6441% | 3,744 |
| Equity capital to assets | 18.2862% | 285 |
| Core capital (leverage) ratio | 16.8818% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3353% | 175 |
| Memoranda: | ||
| Average total assets | $537,487,250 | 1,440 |
| Average earning assets | $497,542,500 | 1,441 |
| Average equity | $99,767,250 | 959 |
| Average total loans | $200,374,500 | 2,232 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5882% | 4,277 |
| Cost of funding earning assets | 0.4710% | 3,696 |
| Net interest margin | 3.1172% | 3,867 |
| Noninterest income to average assets | 0.7431% | 1,601 |
| Noninterest expense to average assets | 1.6574% | 4,725 |
| Loan and lease loss provision to assets | 0.2418% | 1,739 |
| Net operating income to assets | 1.3535% | 1,214 |
| Return on assets (ROA) | 1.3753% | 1,259 |
| Pretax return on assets | 1.7494% | 893 |
| Return on Equity (ROE) | 7.3706% | 2,983 |
| Retained earnings to average equity (ytd only) | -6.7803% | 4,842 |
| Net charge-offs to loans | 0.2193% | 705 |
| Credit loss provision to net charge-offs | 292.6941% | 1,642 |
| Earnings coverage of net charge-offs (x) | 23.7717% | 1,590 |
| Efficiency ratio | 45.7708% | 4,736 |
| Assets per employee ($millions) | 9.8221% | 529 |
| Cash dividends to net income (ytd only)* | 191.9912% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,006 |
| Loan loss allowance to noncurrent loans | 191.6808% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 3,473 |
| Noncurrent loans to loans | 0.5784% | 2,416 |
| Net loans and leases to total assets | 36.6174% | 4,705 |
| Net loans and leases to deposits | 45.3130% | 4,667 |
| Net loans and leases to core deposits | 59.2979% | 4,297 |
| Total domestic deposits to total assets | 80.8098% | 3,653 |
| Equity capital to assets | 18.0602% | 297 |
| Core capital (leverage) ratio | 16.6005% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2018% | 182 |
| Memoranda: | ||
| Average total assets | $530,230,667 | 1,433 |
| Average earning assets | $489,545,000 | 1,436 |
| Average equity | $98,934,000 | 954 |
| Average total loans | $199,722,667 | 2,225 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6350% | 4,488 |
| Cost of funding earning assets | 0.5498% | 3,695 |
| Net interest margin | 3.0852% | 4,125 |
| Noninterest income to average assets | 0.8041% | 1,300 |
| Noninterest expense to average assets | 1.7389% | 4,736 |
| Loan and lease loss provision to assets | 0.3605% | 852 |
| Net operating income to assets | 1.2154% | 1,464 |
| Return on assets (ROA) | 1.2446% | 1,495 |
| Pretax return on assets | 1.5844% | 1,101 |
| Return on Equity (ROE) | 6.5592% | 3,115 |
| Retained earnings to average equity (ytd only) | -21.8004% | 4,984 |
| Net charge-offs to loans | 0.2812% | 526 |
| Credit loss provision to net charge-offs | 337.4101% | 1,094 |
| Earnings coverage of net charge-offs (x) | 17.8561% | 1,483 |
| Efficiency ratio | 47.6813% | 4,772 |
| Assets per employee ($millions) | 9.5078% | 445 |
| Cash dividends to net income (ytd only)* | 432.3657% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,166 |
| Loan loss allowance to noncurrent loans | 174.6172% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 3,531 |
| Noncurrent loans to loans | 0.6340% | 2,402 |
| Net loans and leases to total assets | 36.3577% | 4,767 |
| Net loans and leases to deposits | 47.6179% | 4,674 |
| Net loans and leases to core deposits | 64.7066% | 4,141 |
| Total domestic deposits to total assets | 76.3531% | 4,439 |
| Equity capital to assets | 18.4553% | 320 |
| Core capital (leverage) ratio | 17.1040% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1607% | 209 |
| Memoranda: | ||
| Average total assets | $520,327,500 | 1,415 |
| Average earning assets | $479,446,500 | 1,425 |
| Average equity | $98,732,000 | 953 |
| Average total loans | $197,750,500 | 2,203 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 4,620 |
| Cost of funding earning assets | 0.5703% | 3,770 |
| Net interest margin | 3.1907% | 4,203 |
| Noninterest income to average assets | 0.7685% | 1,548 |
| Noninterest expense to average assets | 1.6179% | 4,937 |
| Loan and lease loss provision to assets | 0.0666% | 2,685 |
| Net operating income to assets | 1.6085% | 826 |
| Return on assets (ROA) | 1.6210% | 855 |
| Pretax return on assets | 2.0515% | 531 |
| Return on Equity (ROE) | 9.2396% | 2,645 |
| Retained earnings to average equity (ytd only) | 2.0010% | 4,000 |
| Net charge-offs to loans | -0.1018% | 4,958 |
| Credit loss provision to net charge-offs | -185.3535% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4897% | 4,995 |
| Assets per employee ($millions) | 8.7624% | 537 |
| Cash dividends to net income (ytd only)* | 78.3436% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,171 |
| Loan loss allowance to noncurrent loans | 151.6499% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 3,331 |
| Noncurrent loans to loans | 0.6979% | 2,134 |
| Net loans and leases to total assets | 38.8884% | 4,776 |
| Net loans and leases to deposits | 49.1908% | 4,707 |
| Net loans and leases to core deposits | 66.0367% | 4,188 |
| Total domestic deposits to total assets | 79.0562% | 4,177 |
| Equity capital to assets | 19.5194% | 269 |
| Core capital (leverage) ratio | 18.1815% | 330 |
| Tier 1 risk-based capital ratio | 34.8312% | 333 |
| Total risk-based capital ratio | 35.6547% | 336 |
| Memoranda: | ||
| Average total assets | $551,202,000 | 1,301 |
| Average earning assets | $509,921,200 | 1,310 |
| Average equity | $96,703,600 | 924 |
| Average total loans | $194,592,600 | 2,202 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8231% | 4,646 |
| Cost of funding earning assets | 0.5773% | 3,784 |
| Net interest margin | 3.2457% | 4,198 |
| Noninterest income to average assets | 0.7441% | 1,614 |
| Noninterest expense to average assets | 1.5982% | 5,003 |
| Loan and lease loss provision to assets | 0.0178% | 3,554 |
| Net operating income to assets | 1.6792% | 775 |
| Return on assets (ROA) | 1.6981% | 786 |
| Pretax return on assets | 2.1601% | 487 |
| Return on Equity (ROE) | 9.9318% | 2,463 |
| Retained earnings to average equity (ytd only) | 0.2179% | 4,721 |
| Net charge-offs to loans | -0.1607% | 5,080 |
| Credit loss provision to net charge-offs | -32.1888% | 3,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5952% | 5,058 |
| Assets per employee ($millions) | 9.2147% | 441 |
| Cash dividends to net income (ytd only)* | 97.8063% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 3,793 |
| Loan loss allowance to noncurrent loans | 146.7615% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 3,588 |
| Noncurrent loans to loans | 0.6526% | 2,327 |
| Net loans and leases to total assets | 37.2314% | 4,894 |
| Net loans and leases to deposits | 47.4637% | 4,833 |
| Net loans and leases to core deposits | 62.3609% | 4,443 |
| Total domestic deposits to total assets | 78.4420% | 4,277 |
| Equity capital to assets | 18.9802% | 312 |
| Core capital (leverage) ratio | 17.3262% | 402 |
| Tier 1 risk-based capital ratio | 35.1619% | 338 |
| Total risk-based capital ratio | 35.9134% | 345 |
| Memoranda: | ||
| Average total assets | $561,948,000 | 1,294 |
| Average earning assets | $520,792,750 | 1,290 |
| Average equity | $96,079,250 | 932 |
| Average total loans | $193,302,750 | 2,232 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 4,703 |
| Cost of funding earning assets | 0.5669% | 3,804 |
| Net interest margin | 3.2440% | 4,256 |
| Noninterest income to average assets | 0.7054% | 1,691 |
| Noninterest expense to average assets | 1.5199% | 5,110 |
| Loan and lease loss provision to assets | 0.0825% | 2,194 |
| Net operating income to assets | 1.6601% | 787 |
| Return on assets (ROA) | 1.6814% | 782 |
| Pretax return on assets | 2.1394% | 508 |
| Return on Equity (ROE) | 10.1678% | 2,310 |
| Retained earnings to average equity (ytd only) | -4.4983% | 5,036 |
| Net charge-offs to loans | -0.2165% | 5,140 |
| Credit loss provision to net charge-offs | -113.8756% | 3,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9159% | 5,144 |
| Assets per employee ($millions) | 9.8124% | 348 |
| Cash dividends to net income (ytd only)* | 144.2407% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 3,496 |
| Loan loss allowance to noncurrent loans | 130.7995% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 3,425 |
| Noncurrent loans to loans | 0.7816% | 2,033 |
| Net loans and leases to total assets | 35.8069% | 4,982 |
| Net loans and leases to deposits | 45.9999% | 4,903 |
| Net loans and leases to core deposits | 59.5055% | 4,591 |
| Total domestic deposits to total assets | 77.8413% | 4,429 |
| Equity capital to assets | 17.6681% | 412 |
| Core capital (leverage) ratio | 15.3660% | 637 |
| Tier 1 risk-based capital ratio | 33.7228% | 371 |
| Total risk-based capital ratio | 34.5106% | 378 |
| Memoranda: | ||
| Average total assets | $577,257,000 | 1,265 |
| Average earning assets | $535,515,670 | 1,264 |
| Average equity | $95,458,330 | 932 |
| Average total loans | $193,077,000 | 2,241 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7484% | 4,784 |
| Cost of funding earning assets | 0.5440% | 3,855 |
| Net interest margin | 3.2043% | 4,374 |
| Noninterest income to average assets | 0.6617% | 1,772 |
| Noninterest expense to average assets | 1.3885% | 5,228 |
| Loan and lease loss provision to assets | -0.0450% | 5,254 |
| Net operating income to assets | 1.8036% | 579 |
| Return on assets (ROA) | 1.8227% | 563 |
| Pretax return on assets | 2.3186% | 347 |
| Return on Equity (ROE) | 11.3745% | 1,792 |
| Retained earnings to average equity (ytd only) | 11.3745% | 729 |
| Net charge-offs to loans | -0.5563% | 5,281 |
| Credit loss provision to net charge-offs | 25.0936% | 2,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1664% | 5,241 |
| Assets per employee ($millions) | 10.7365% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 4,124 |
| Loan loss allowance to noncurrent loans | 107.4985% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 3,529 |
| Noncurrent loans to loans | 0.8432% | 1,951 |
| Net loans and leases to total assets | 31.8011% | 5,118 |
| Net loans and leases to deposits | 38.6090% | 5,100 |
| Net loans and leases to core deposits | 48.4023% | 4,929 |
| Total domestic deposits to total assets | 82.3671% | 3,627 |
| Equity capital to assets | 16.2730% | 536 |
| Core capital (leverage) ratio | 15.4352% | 608 |
| Tier 1 risk-based capital ratio | 33.8651% | 353 |
| Total risk-based capital ratio | 34.5253% | 366 |
| Memoranda: | ||
| Average total assets | $596,043,500 | 1,235 |
| Average earning assets | $553,629,500 | 1,234 |
| Average equity | $95,511,500 | 926 |
| Average total loans | $191,995,500 | 2,270 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5712% | 4,833 |
| Cost of funding earning assets | 0.3603% | 4,216 |
| Net interest margin | 3.2109% | 4,466 |
| Noninterest income to average assets | 0.7334% | 1,719 |
| Noninterest expense to average assets | 1.5478% | 5,197 |
| Loan and lease loss provision to assets | -0.0917% | 5,259 |
| Net operating income to assets | 1.7798% | 579 |
| Return on assets (ROA) | 1.7706% | 591 |
| Pretax return on assets | 2.2356% | 327 |
| Return on Equity (ROE) | 11.1262% | 2,033 |
| Retained earnings to average equity (ytd only) | 11.1262% | 414 |
| Net charge-offs to loans | -0.0781% | 5,090 |
| Credit loss provision to net charge-offs | 354.9296% | 897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7961% | 5,248 |
| Assets per employee ($millions) | 10.7426% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 4,501 |
| Loan loss allowance to noncurrent loans | 67.1584% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 2,998 |
| Noncurrent loans to loans | 1.2066% | 1,327 |
| Net loans and leases to total assets | 32.0714% | 5,169 |
| Net loans and leases to deposits | 38.3362% | 5,148 |
| Net loans and leases to core deposits | 47.4119% | 4,997 |
| Total domestic deposits to total assets | 83.6584% | 3,099 |
| Equity capital to assets | 15.7711% | 570 |
| Core capital (leverage) ratio | 15.5313% | 590 |
| Tier 1 risk-based capital ratio | 32.9539% | 368 |
| Total risk-based capital ratio | 33.5402% | 385 |
| Memoranda: | ||
| Average total assets | $549,349,000 | 1,293 |
| Average earning assets | $508,119,000 | 1,291 |
| Average equity | $87,424,400 | 958 |
| Average total loans | $181,755,800 | 2,320 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 4,869 |
| Cost of funding earning assets | 0.3435% | 4,230 |
| Net interest margin | 3.2095% | 4,492 |
| Noninterest income to average assets | 0.7399% | 1,714 |
| Noninterest expense to average assets | 1.6275% | 5,189 |
| Loan and lease loss provision to assets | -0.1539% | 5,382 |
| Net operating income to assets | 1.7560% | 656 |
| Return on assets (ROA) | 1.7378% | 697 |
| Pretax return on assets | 2.2091% | 392 |
| Return on Equity (ROE) | 10.8931% | 2,221 |
| Retained earnings to average equity (ytd only) | 10.8931% | 671 |
| Net charge-offs to loans | -0.1278% | 5,215 |
| Credit loss provision to net charge-offs | 361.6279% | 876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9186% | 5,213 |
| Assets per employee ($millions) | 8.9975% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7849% | 4,677 |
| Loan loss allowance to noncurrent loans | 65.1070% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 3,029 |
| Noncurrent loans to loans | 1.2056% | 1,408 |
| Net loans and leases to total assets | 34.2083% | 5,197 |
| Net loans and leases to deposits | 41.3242% | 5,176 |
| Net loans and leases to core deposits | 52.2050% | 4,962 |
| Total domestic deposits to total assets | 82.7803% | 3,378 |
| Equity capital to assets | 16.2066% | 504 |
| Core capital (leverage) ratio | 16.2556% | 485 |
| Tier 1 risk-based capital ratio | 33.8138% | 351 |
| Total risk-based capital ratio | 34.4015% | 360 |
| Memoranda: | ||
| Average total assets | $538,976,000 | 1,316 |
| Average earning assets | $498,042,750 | 1,316 |
| Average equity | $85,985,000 | 971 |
| Average total loans | $179,435,000 | 2,347 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4763% | 4,951 |
| Cost of funding earning assets | 0.3254% | 4,234 |
| Net interest margin | 3.1509% | 4,616 |
| Noninterest income to average assets | 0.7188% | 1,799 |
| Noninterest expense to average assets | 1.6020% | 5,265 |
| Loan and lease loss provision to assets | -0.1938% | 5,472 |
| Net operating income to assets | 1.7485% | 657 |
| Return on assets (ROA) | 1.7015% | 725 |
| Pretax return on assets | 2.1630% | 418 |
| Return on Equity (ROE) | 10.7226% | 2,217 |
| Retained earnings to average equity (ytd only) | 10.7226% | 727 |
| Net charge-offs to loans | -0.1806% | 5,308 |
| Credit loss provision to net charge-offs | 326.2500% | 949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1252% | 5,280 |
| Assets per employee ($millions) | 8.7682% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 4,549 |
| Loan loss allowance to noncurrent loans | 66.4522% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 2,979 |
| Noncurrent loans to loans | 1.2804% | 1,335 |
| Net loans and leases to total assets | 33.7473% | 5,247 |
| Net loans and leases to deposits | 40.7240% | 5,226 |
| Net loans and leases to core deposits | 52.2434% | 4,989 |
| Total domestic deposits to total assets | 82.8685% | 3,446 |
| Equity capital to assets | 16.1582% | 479 |
| Core capital (leverage) ratio | 15.8778% | 519 |
| Tier 1 risk-based capital ratio | 34.3132% | 340 |
| Total risk-based capital ratio | 34.9575% | 347 |
| Memoranda: | ||
| Average total assets | $538,685,330 | 1,319 |
| Average earning assets | $497,833,330 | 1,321 |
| Average equity | $85,483,000 | 976 |
| Average total loans | $177,202,000 | 2,373 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4171% | 4,996 |
| Cost of funding earning assets | 0.3074% | 4,299 |
| Net interest margin | 3.1096% | 4,686 |
| Noninterest income to average assets | 0.7133% | 1,774 |
| Noninterest expense to average assets | 1.5413% | 5,363 |
| Loan and lease loss provision to assets | -0.1990% | 5,551 |
| Net operating income to assets | 1.7673% | 595 |
| Return on assets (ROA) | 1.7129% | 679 |
| Pretax return on assets | 2.1761% | 397 |
| Return on Equity (ROE) | 10.8925% | 2,013 |
| Retained earnings to average equity (ytd only) | 10.8925% | 919 |
| Net charge-offs to loans | 0.0160% | 2,197 |
| Credit loss provision to net charge-offs | -3,842.8571% | 4,406 |
| Earnings coverage of net charge-offs (x) | 395.0000% | 170 |
| Efficiency ratio | 42.9662% | 5,378 |
| Assets per employee ($millions) | 9.4117% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 4,286 |
| Loan loss allowance to noncurrent loans | 62.9088% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,953 |
| Noncurrent loans to loans | 1.4855% | 1,188 |
| Net loans and leases to total assets | 31.7519% | 5,328 |
| Net loans and leases to deposits | 38.0401% | 5,317 |
| Net loans and leases to core deposits | 47.6946% | 5,110 |
| Total domestic deposits to total assets | 83.4695% | 3,516 |
| Equity capital to assets | 15.5176% | 563 |
| Core capital (leverage) ratio | 14.8038% | 688 |
| Tier 1 risk-based capital ratio | 33.5364% | 357 |
| Total risk-based capital ratio | 34.2249% | 369 |
| Memoranda: | ||
| Average total assets | $540,596,500 | 1,326 |
| Average earning assets | $499,611,500 | 1,326 |
| Average equity | $85,012,500 | 983 |
| Average total loans | $174,777,500 | 2,417 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2240% | 5,161 |
| Cost of funding earning assets | 0.2529% | 4,535 |
| Net interest margin | 2.9711% | 4,946 |
| Noninterest income to average assets | 0.6783% | 2,057 |
| Noninterest expense to average assets | 1.3805% | 5,529 |
| Loan and lease loss provision to assets | -0.1007% | 5,480 |
| Net operating income to assets | 1.5328% | 747 |
| Return on assets (ROA) | 1.4969% | 829 |
| Pretax return on assets | 2.1072% | 390 |
| Return on Equity (ROE) | 10.2666% | 1,780 |
| Retained earnings to average equity (ytd only) | 6.6706% | 1,204 |
| Net charge-offs to loans | -0.1175% | 5,413 |
| Credit loss provision to net charge-offs | 292.3858% | 962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1596% | 5,525 |
| Assets per employee ($millions) | 10.7063% | 256 |
| Cash dividends to net income (ytd only)* | 35.0263% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,386 |
| Loan loss allowance to noncurrent loans | 40.2655% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 0.8866% | 1,754 |
| Noncurrent loans to loans | 2.7183% | 451 |
| Net loans and leases to total assets | 32.2581% | 5,385 |
| Net loans and leases to deposits | 38.8605% | 5,367 |
| Net loans and leases to core deposits | 49.1844% | 5,160 |
| Total domestic deposits to total assets | 83.0099% | 3,558 |
| Equity capital to assets | 15.9378% | 523 |
| Core capital (leverage) ratio | 14.5632% | 712 |
| Tier 1 risk-based capital ratio | 33.2153% | 366 |
| Total risk-based capital ratio | 34.0309% | 369 |
| Memoranda: | ||
| Average total assets | $572,177,800 | 1,247 |
| Average earning assets | $531,384,400 | 1,239 |
| Average equity | $83,426,000 | 971 |
| Average total loans | $167,730,000 | 2,448 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1700% | 5,266 |
| Cost of funding earning assets | 0.2427% | 4,636 |
| Net interest margin | 2.9273% | 5,056 |
| Noninterest income to average assets | 0.6680% | 2,131 |
| Noninterest expense to average assets | 1.3549% | 5,592 |
| Loan and lease loss provision to assets | -0.1211% | 5,610 |
| Net operating income to assets | 1.4051% | 1,072 |
| Return on assets (ROA) | 1.3620% | 1,194 |
| Pretax return on assets | 2.0896% | 456 |
| Return on Equity (ROE) | 9.5457% | 2,327 |
| Retained earnings to average equity (ytd only) | 4.7238% | 3,069 |
| Net charge-offs to loans | -0.3004% | 5,607 |
| Credit loss provision to net charge-offs | 141.1765% | 1,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9702% | 5,581 |
| Assets per employee ($millions) | 10.3690% | 277 |
| Cash dividends to net income (ytd only)* | 50.5135% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,656 |
| Loan loss allowance to noncurrent loans | 102.3969% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 3,537 |
| Noncurrent loans to loans | 1.2184% | 1,558 |
| Net loans and leases to total assets | 30.1966% | 5,495 |
| Net loans and leases to deposits | 37.4156% | 5,472 |
| Net loans and leases to core deposits | 48.3643% | 5,249 |
| Total domestic deposits to total assets | 80.7057% | 4,135 |
| Equity capital to assets | 15.1030% | 713 |
| Core capital (leverage) ratio | 13.7832% | 948 |
| Tier 1 risk-based capital ratio | 32.2746% | 407 |
| Total risk-based capital ratio | 33.1869% | 415 |
| Memoranda: | ||
| Average total assets | $581,393,000 | 1,239 |
| Average earning assets | $540,552,500 | 1,229 |
| Average equity | $82,953,000 | 981 |
| Average total loans | $166,014,000 | 2,483 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0846% | 5,360 |
| Cost of funding earning assets | 0.2378% | 4,657 |
| Net interest margin | 2.8468% | 5,175 |
| Noninterest income to average assets | 0.6266% | 2,337 |
| Noninterest expense to average assets | 1.3379% | 5,651 |
| Loan and lease loss provision to assets | 0.1091% | 1,869 |
| Net operating income to assets | 1.1917% | 1,623 |
| Return on assets (ROA) | 1.1279% | 1,915 |
| Pretax return on assets | 1.7293% | 991 |
| Return on Equity (ROE) | 8.0543% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.0543% | 1,140 |
| Net charge-offs to loans | -0.0097% | 4,522 |
| Credit loss provision to net charge-offs | -4,012.5000% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8572% | 5,604 |
| Assets per employee ($millions) | 11.8770% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 1,493 |
| Loan loss allowance to noncurrent loans | 93.9720% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 3,231 |
| Noncurrent loans to loans | 1.6247% | 1,136 |
| Net loans and leases to total assets | 28.4455% | 5,573 |
| Net loans and leases to deposits | 35.0626% | 5,553 |
| Net loans and leases to core deposits | 44.8127% | 5,377 |
| Total domestic deposits to total assets | 81.1277% | 4,151 |
| Equity capital to assets | 14.2710% | 885 |
| Core capital (leverage) ratio | 13.3872% | 1,025 |
| Tier 1 risk-based capital ratio | 31.8057% | 411 |
| Total risk-based capital ratio | 32.8979% | 404 |
| Memoranda: | ||
| Average total assets | $588,548,000 | 1,226 |
| Average earning assets | $547,428,670 | 1,221 |
| Average equity | $82,415,330 | 992 |
| Average total loans | $164,280,330 | 2,504 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0170% | 5,445 |
| Cost of funding earning assets | 0.2433% | 4,590 |
| Net interest margin | 2.7737% | 5,295 |
| Noninterest income to average assets | 0.6301% | 2,268 |
| Noninterest expense to average assets | 1.2780% | 5,747 |
| Loan and lease loss provision to assets | 0.1809% | 958 |
| Net operating income to assets | 1.1392% | 1,714 |
| Return on assets (ROA) | 1.1313% | 1,779 |
| Pretax return on assets | 1.7355% | 927 |
| Return on Equity (ROE) | 8.1576% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.1576% | 1,393 |
| Net charge-offs to loans | 0.1295% | 1,142 |
| Credit loss provision to net charge-offs | 509.6154% | 556 |
| Earnings coverage of net charge-offs (x) | 54.3269% | 854 |
| Efficiency ratio | 39.8552% | 5,702 |
| Assets per employee ($millions) | 13.3154% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 1,574 |
| Loan loss allowance to noncurrent loans | 79.4856% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 3,079 |
| Noncurrent loans to loans | 1.9276% | 938 |
| Net loans and leases to total assets | 27.4572% | 5,643 |
| Net loans and leases to deposits | 32.4039% | 5,649 |
| Net loans and leases to core deposits | 40.8762% | 5,494 |
| Total domestic deposits to total assets | 84.7341% | 3,196 |
| Equity capital to assets | 14.0431% | 888 |
| Core capital (leverage) ratio | 13.0843% | 1,109 |
| Tier 1 risk-based capital ratio | 32.0228% | 414 |
| Total risk-based capital ratio | 33.0991% | 411 |
| Memoranda: | ||
| Average total assets | $585,898,000 | 1,229 |
| Average earning assets | $544,250,000 | 1,228 |
| Average equity | $81,249,000 | 1,000 |
| Average total loans | $160,649,500 | 2,571 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9563% | 5,532 |
| Cost of funding earning assets | 0.2247% | 4,786 |
| Net interest margin | 2.7316% | 5,380 |
| Noninterest income to average assets | 0.6968% | 2,189 |
| Noninterest expense to average assets | 1.3705% | 5,788 |
| Loan and lease loss provision to assets | 0.5155% | 267 |
| Net operating income to assets | 0.8830% | 2,914 |
| Return on assets (ROA) | 0.8663% | 3,109 |
| Pretax return on assets | 1.3223% | 2,205 |
| Return on Equity (ROE) | 5.9174% | 4,020 |
| Retained earnings to average equity (ytd only) | 1.1133% | 4,858 |
| Net charge-offs to loans | 1.3222% | 120 |
| Credit loss provision to net charge-offs | 152.6288% | 1,792 |
| Earnings coverage of net charge-offs (x) | 5.5164% | 3,325 |
| Efficiency ratio | 42.3826% | 5,737 |
| Assets per employee ($millions) | 11.9576% | 175 |
| Cash dividends to net income (ytd only)* | 81.1853% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,872 |
| Loan loss allowance to noncurrent loans | 44.3369% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8815% | 2,145 |
| Noncurrent loans to loans | 3.2704% | 379 |
| Net loans and leases to total assets | 26.5635% | 5,719 |
| Net loans and leases to deposits | 31.1544% | 5,722 |
| Net loans and leases to core deposits | 39.2114% | 5,613 |
| Total domestic deposits to total assets | 85.2640% | 2,939 |
| Equity capital to assets | 13.6918% | 986 |
| Core capital (leverage) ratio | 13.0516% | 1,114 |
| Tier 1 risk-based capital ratio | 31.8425% | 415 |
| Total risk-based capital ratio | 32.8474% | 419 |
| Memoranda: | ||
| Average total assets | $568,771,200 | 1,227 |
| Average earning assets | $528,219,600 | 1,211 |
| Average equity | $83,262,800 | 957 |
| Average total loans | $145,292,400 | 2,711 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9954% | 5,572 |
| Cost of funding earning assets | 0.2245% | 4,841 |
| Net interest margin | 2.7709% | 5,404 |
| Noninterest income to average assets | 0.7029% | 2,155 |
| Noninterest expense to average assets | 1.4670% | 5,782 |
| Loan and lease loss provision to assets | 0.6299% | 181 |
| Net operating income to assets | 0.7750% | 3,483 |
| Return on assets (ROA) | 0.7525% | 3,724 |
| Pretax return on assets | 1.1460% | 3,063 |
| Return on Equity (ROE) | 5.0556% | 4,495 |
| Retained earnings to average equity (ytd only) | -1.2917% | 5,526 |
| Net charge-offs to loans | 1.7748% | 69 |
| Credit loss provision to net charge-offs | 140.9619% | 1,856 |
| Earnings coverage of net charge-offs (x) | 4.0502% | 3,319 |
| Efficiency ratio | 44.7672% | 5,720 |
| Assets per employee ($millions) | 10.9556% | 215 |
| Cash dividends to net income (ytd only)* | 125.5494% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 2,463 |
| Loan loss allowance to noncurrent loans | 55.7395% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 2,857 |
| Noncurrent loans to loans | 2.4122% | 743 |
| Net loans and leases to total assets | 28.0742% | 5,754 |
| Net loans and leases to deposits | 33.9174% | 5,754 |
| Net loans and leases to core deposits | 44.0900% | 5,580 |
| Total domestic deposits to total assets | 82.7722% | 3,679 |
| Equity capital to assets | 15.4675% | 635 |
| Core capital (leverage) ratio | 13.1486% | 1,133 |
| Tier 1 risk-based capital ratio | 33.7055% | 365 |
| Total risk-based capital ratio | 34.6928% | 368 |
| Memoranda: | ||
| Average total assets | $564,484,000 | 1,235 |
| Average earning assets | $524,398,500 | 1,220 |
| Average equity | $84,022,750 | 954 |
| Average total loans | $142,132,750 | 2,755 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9540% | 5,685 |
| Cost of funding earning assets | 0.2201% | 4,937 |
| Net interest margin | 2.7338% | 5,527 |
| Noninterest income to average assets | 0.6658% | 2,305 |
| Noninterest expense to average assets | 1.4460% | 5,880 |
| Loan and lease loss provision to assets | 0.6585% | 168 |
| Net operating income to assets | 0.7228% | 3,686 |
| Return on assets (ROA) | 0.7478% | 3,714 |
| Pretax return on assets | 1.1452% | 3,006 |
| Return on Equity (ROE) | 5.0858% | 4,472 |
| Retained earnings to average equity (ytd only) | 5.0858% | 2,671 |
| Net charge-offs to loans | 2.6914% | 53 |
| Credit loss provision to net charge-offs | 101.2869% | 2,071 |
| Earnings coverage of net charge-offs (x) | 2.7153% | 3,225 |
| Efficiency ratio | 45.0282% | 5,792 |
| Assets per employee ($millions) | 11.0272% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 4,953 |
| Loan loss allowance to noncurrent loans | 36.0044% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 2,762 |
| Noncurrent loans to loans | 2.5032% | 695 |
| Net loans and leases to total assets | 24.9856% | 5,883 |
| Net loans and leases to deposits | 31.4586% | 5,863 |
| Net loans and leases to core deposits | 40.0360% | 5,744 |
| Total domestic deposits to total assets | 79.4236% | 4,688 |
| Equity capital to assets | 15.1367% | 706 |
| Core capital (leverage) ratio | 12.8761% | 1,199 |
| Tier 1 risk-based capital ratio | 34.2400% | 355 |
| Total risk-based capital ratio | 34.8693% | 366 |
| Memoranda: | ||
| Average total assets | $573,704,000 | 1,222 |
| Average earning assets | $534,196,000 | 1,210 |
| Average equity | $84,352,670 | 943 |
| Average total loans | $138,589,330 | 2,813 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8282% | 5,841 |
| Cost of funding earning assets | 0.1980% | 5,222 |
| Net interest margin | 2.6302% | 5,694 |
| Noninterest income to average assets | 0.6531% | 2,250 |
| Noninterest expense to average assets | 1.3655% | 5,972 |
| Loan and lease loss provision to assets | 0.5151% | 234 |
| Net operating income to assets | 0.8023% | 3,237 |
| Return on assets (ROA) | 0.8023% | 3,351 |
| Pretax return on assets | 1.2261% | 2,598 |
| Return on Equity (ROE) | 5.5382% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.5382% | 2,617 |
| Net charge-offs to loans | 0.1209% | 1,384 |
| Credit loss provision to net charge-offs | 1,802.4390% | 233 |
| Earnings coverage of net charge-offs (x) | 60.9268% | 768 |
| Efficiency ratio | 43.9533% | 5,876 |
| Assets per employee ($millions) | 11.0240% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 2,250 |
| Loan loss allowance to noncurrent loans | 36.0569% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 2,121 |
| Noncurrent loans to loans | 3.9913% | 304 |
| Net loans and leases to total assets | 23.1736% | 5,956 |
| Net loans and leases to deposits | 28.9756% | 5,944 |
| Net loans and leases to core deposits | 36.1905% | 5,855 |
| Total domestic deposits to total assets | 79.9761% | 4,750 |
| Equity capital to assets | 14.5483% | 826 |
| Core capital (leverage) ratio | 13.3896% | 1,024 |
| Tier 1 risk-based capital ratio | 35.2339% | 326 |
| Total risk-based capital ratio | 36.2072% | 331 |
| Memoranda: | ||
| Average total assets | $573,848,500 | 1,225 |
| Average earning assets | $535,321,500 | 1,209 |
| Average equity | $83,131,000 | 957 |
| Average total loans | $135,597,000 | 2,854 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0364% | 5,701 |
| Cost of funding earning assets | 0.2098% | 5,195 |
| Net interest margin | 2.8266% | 5,468 |
| Noninterest income to average assets | 0.7060% | 2,172 |
| Noninterest expense to average assets | 1.3393% | 6,063 |
| Loan and lease loss provision to assets | -0.0099% | 5,628 |
| Net operating income to assets | 1.3147% | 1,233 |
| Return on assets (ROA) | 1.3147% | 1,284 |
| Pretax return on assets | 2.0164% | 523 |
| Return on Equity (ROE) | 9.3299% | 2,310 |
| Retained earnings to average equity (ytd only) | 6.8538% | 1,345 |
| Net charge-offs to loans | -0.3455% | 6,033 |
| Credit loss provision to net charge-offs | 13.1640% | 3,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0302% | 6,063 |
| Assets per employee ($millions) | 11.2685% | 186 |
| Cash dividends to net income (ytd only)* | 26.5393% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 4,834 |
| Loan loss allowance to noncurrent loans | 20.7562% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 2,011 |
| Noncurrent loans to loans | 4.6047% | 226 |
| Net loans and leases to total assets | 23.5242% | 6,013 |
| Net loans and leases to deposits | 27.9783% | 6,015 |
| Net loans and leases to core deposits | 34.6178% | 5,952 |
| Total domestic deposits to total assets | 84.0802% | 3,451 |
| Equity capital to assets | 14.4225% | 789 |
| Core capital (leverage) ratio | 12.9449% | 1,163 |
| Tier 1 risk-based capital ratio | 36.1722% | 305 |
| Total risk-based capital ratio | 36.8284% | 315 |
| Memoranda: | ||
| Average total assets | $573,199,800 | 1,192 |
| Average earning assets | $535,300,200 | 1,174 |
| Average equity | $80,772,400 | 942 |
| Average total loans | $125,334,400 | 2,962 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0944% | 5,715 |
| Cost of funding earning assets | 0.2094% | 5,299 |
| Net interest margin | 2.8851% | 5,442 |
| Noninterest income to average assets | 0.7067% | 2,200 |
| Noninterest expense to average assets | 1.3564% | 6,123 |
| Loan and lease loss provision to assets | -0.0760% | 5,965 |
| Net operating income to assets | 1.3821% | 1,154 |
| Return on assets (ROA) | 1.3821% | 1,204 |
| Pretax return on assets | 2.1202% | 482 |
| Return on Equity (ROE) | 9.8645% | 2,157 |
| Retained earnings to average equity (ytd only) | 6.5582% | 1,917 |
| Net charge-offs to loans | -0.5735% | 6,173 |
| Credit loss provision to net charge-offs | 61.8868% | 2,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8856% | 6,132 |
| Assets per employee ($millions) | 10.3845% | 239 |
| Cash dividends to net income (ytd only)* | 33.5177% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 5,403 |
| Loan loss allowance to noncurrent loans | 16.8857% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 1.1670% | 2,029 |
| Noncurrent loans to loans | 4.9782% | 212 |
| Net loans and leases to total assets | 23.2448% | 6,103 |
| Net loans and leases to deposits | 30.5913% | 6,069 |
| Net loans and leases to core deposits | 38.5518% | 5,956 |
| Total domestic deposits to total assets | 75.9849% | 5,484 |
| Equity capital to assets | 14.6454% | 825 |
| Core capital (leverage) ratio | 12.8687% | 1,246 |
| Tier 1 risk-based capital ratio | 36.0446% | 325 |
| Total risk-based capital ratio | 36.6309% | 337 |
| Memoranda: | ||
| Average total assets | $575,643,750 | 1,189 |
| Average earning assets | $537,509,500 | 1,181 |
| Average equity | $80,650,500 | 950 |
| Average total loans | $123,213,000 | 3,028 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1530% | 5,682 |
| Cost of funding earning assets | 0.2088% | 5,369 |
| Net interest margin | 2.9442% | 5,352 |
| Noninterest income to average assets | 0.7013% | 2,210 |
| Noninterest expense to average assets | 1.3028% | 6,226 |
| Loan and lease loss provision to assets | -0.2063% | 6,185 |
| Net operating income to assets | 1.5332% | 852 |
| Return on assets (ROA) | 1.5332% | 892 |
| Pretax return on assets | 2.3544% | 308 |
| Return on Equity (ROE) | 11.1055% | 1,649 |
| Retained earnings to average equity (ytd only) | 11.1055% | 495 |
| Net charge-offs to loans | -0.9928% | 6,268 |
| Credit loss provision to net charge-offs | 100.1672% | 2,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7520% | 6,243 |
| Assets per employee ($millions) | 10.9844% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 5,711 |
| Loan loss allowance to noncurrent loans | 42.4071% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 4,408 |
| Noncurrent loans to loans | 1.7695% | 1,447 |
| Net loans and leases to total assets | 20.8865% | 6,197 |
| Net loans and leases to deposits | 26.8297% | 6,182 |
| Net loans and leases to core deposits | 33.1039% | 6,122 |
| Total domestic deposits to total assets | 77.8484% | 5,305 |
| Equity capital to assets | 14.2330% | 899 |
| Core capital (leverage) ratio | 12.5412% | 1,357 |
| Tier 1 risk-based capital ratio | 36.9905% | 315 |
| Total risk-based capital ratio | 37.4748% | 327 |
| Memoranda: | ||
| Average total assets | $580,604,000 | 1,183 |
| Average earning assets | $542,211,000 | 1,166 |
| Average equity | $80,158,670 | 961 |
| Average total loans | $120,466,330 | 3,078 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4149% | 5,167 |
| Cost of funding earning assets | 0.2076% | 5,437 |
| Net interest margin | 3.2073% | 4,586 |
| Noninterest income to average assets | 0.6438% | 2,432 |
| Noninterest expense to average assets | 1.2240% | 6,316 |
| Loan and lease loss provision to assets | -0.4428% | 6,342 |
| Net operating income to assets | 1.8616% | 433 |
| Return on assets (ROA) | 1.8616% | 461 |
| Pretax return on assets | 2.8614% | 147 |
| Return on Equity (ROE) | 13.6902% | 942 |
| Retained earnings to average equity (ytd only) | 13.6902% | 384 |
| Net charge-offs to loans | -2.1791% | 6,362 |
| Credit loss provision to net charge-offs | 98.6301% | 1,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6023% | 6,343 |
| Assets per employee ($millions) | 11.9362% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 5,781 |
| Loan loss allowance to noncurrent loans | 24.3128% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 3,604 |
| Noncurrent loans to loans | 3.1322% | 668 |
| Net loans and leases to total assets | 19.8918% | 6,269 |
| Net loans and leases to deposits | 25.8713% | 6,251 |
| Net loans and leases to core deposits | 31.9721% | 6,184 |
| Total domestic deposits to total assets | 76.8874% | 5,630 |
| Equity capital to assets | 13.7287% | 1,077 |
| Core capital (leverage) ratio | 12.2285% | 1,490 |
| Tier 1 risk-based capital ratio | 35.8546% | 339 |
| Total risk-based capital ratio | 36.3488% | 356 |
| Memoranda: | ||
| Average total assets | $585,312,000 | 1,176 |
| Average earning assets | $547,243,500 | 1,158 |
| Average equity | $79,589,500 | 961 |
| Average total loans | $120,598,000 | 3,090 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9501% | 6,096 |
| Cost of funding earning assets | 0.2332% | 5,488 |
| Net interest margin | 2.7168% | 5,915 |
| Noninterest income to average assets | 0.7661% | 2,010 |
| Noninterest expense to average assets | 1.2830% | 6,400 |
| Loan and lease loss provision to assets | 0.0145% | 4,320 |
| Net operating income to assets | 1.3041% | 1,298 |
| Return on assets (ROA) | 1.3041% | 1,346 |
| Pretax return on assets | 1.9984% | 514 |
| Return on Equity (ROE) | 9.7618% | 2,213 |
| Retained earnings to average equity (ytd only) | 5.0828% | 2,538 |
| Net charge-offs to loans | 0.2050% | 2,025 |
| Credit loss provision to net charge-offs | 33.3333% | 3,784 |
| Earnings coverage of net charge-offs (x) | 46.3827% | 981 |
| Efficiency ratio | 38.9271% | 6,414 |
| Assets per employee ($millions) | 11.0349% | 187 |
| Cash dividends to net income (ytd only)* | 47.9321% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7428% | 5,899 |
| Loan loss allowance to noncurrent loans | 14.5833% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 1.0791% | 2,589 |
| Noncurrent loans to loans | 5.0934% | 281 |
| Net loans and leases to total assets | 21.0287% | 6,355 |
| Net loans and leases to deposits | 25.4063% | 6,356 |
| Net loans and leases to core deposits | 30.9546% | 6,294 |
| Total domestic deposits to total assets | 82.7697% | 4,159 |
| Equity capital to assets | 13.4617% | 1,175 |
| Core capital (leverage) ratio | 12.0410% | 1,594 |
| Tier 1 risk-based capital ratio | 36.9013% | 287 |
| Total risk-based capital ratio | 37.4185% | 298 |
| Memoranda: | ||
| Average total assets | $559,947,000 | 1,185 |
| Average earning assets | $521,377,400 | 1,170 |
| Average equity | $74,801,600 | 977 |
| Average total loans | $118,552,200 | 3,073 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9818% | 6,152 |
| Cost of funding earning assets | 0.2364% | 5,546 |
| Net interest margin | 2.7453% | 5,945 |
| Noninterest income to average assets | 0.7739% | 1,997 |
| Noninterest expense to average assets | 1.2948% | 6,457 |
| Loan and lease loss provision to assets | 0.0216% | 3,976 |
| Net operating income to assets | 1.3127% | 1,336 |
| Return on assets (ROA) | 1.3127% | 1,392 |
| Pretax return on assets | 2.0114% | 549 |
| Return on Equity (ROE) | 9.8464% | 2,293 |
| Retained earnings to average equity (ytd only) | 3.5565% | 4,117 |
| Net charge-offs to loans | 0.1969% | 1,897 |
| Credit loss provision to net charge-offs | 51.7241% | 3,076 |
| Earnings coverage of net charge-offs (x) | 48.7652% | 992 |
| Efficiency ratio | 38.9085% | 6,476 |
| Assets per employee ($millions) | 11.5848% | 153 |
| Cash dividends to net income (ytd only)* | 63.8803% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8301% | 5,793 |
| Loan loss allowance to noncurrent loans | 14.2857% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 1.2337% | 2,491 |
| Noncurrent loans to loans | 5.8107% | 252 |
| Net loans and leases to total assets | 21.0545% | 6,433 |
| Net loans and leases to deposits | 27.0324% | 6,411 |
| Net loans and leases to core deposits | 34.0936% | 6,319 |
| Total domestic deposits to total assets | 77.8862% | 5,555 |
| Equity capital to assets | 13.4981% | 1,180 |
| Core capital (leverage) ratio | 12.0420% | 1,679 |
| Tier 1 risk-based capital ratio | 37.0210% | 296 |
| Total risk-based capital ratio | 37.5922% | 308 |
| Memoranda: | ||
| Average total assets | $556,480,000 | 1,205 |
| Average earning assets | $517,669,000 | 1,186 |
| Average equity | $74,190,750 | 987 |
| Average total loans | $117,798,000 | 3,102 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0068% | 6,170 |
| Cost of funding earning assets | 0.2418% | 5,566 |
| Net interest margin | 2.7650% | 5,966 |
| Noninterest income to average assets | 0.7761% | 1,933 |
| Noninterest expense to average assets | 1.2770% | 6,533 |
| Loan and lease loss provision to assets | 0.0370% | 3,552 |
| Net operating income to assets | 1.3269% | 1,233 |
| Return on assets (ROA) | 1.3269% | 1,284 |
| Pretax return on assets | 2.0344% | 521 |
| Return on Equity (ROE) | 9.9944% | 2,156 |
| Retained earnings to average equity (ytd only) | 4.5818% | 3,250 |
| Net charge-offs to loans | 0.1597% | 2,114 |
| Credit loss provision to net charge-offs | 109.5745% | 1,831 |
| Earnings coverage of net charge-offs (x) | 61.3298% | 795 |
| Efficiency ratio | 38.1371% | 6,551 |
| Assets per employee ($millions) | 12.2147% | 131 |
| Cash dividends to net income (ytd only)* | 54.1565% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 5,667 |
| Loan loss allowance to noncurrent loans | 8.3191% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 2.2955% | 1,304 |
| Noncurrent loans to loans | 11.0601% | 60 |
| Net loans and leases to total assets | 20.5639% | 6,499 |
| Net loans and leases to deposits | 26.9973% | 6,476 |
| Net loans and leases to core deposits | 34.2897% | 6,368 |
| Total domestic deposits to total assets | 76.1703% | 5,896 |
| Equity capital to assets | 13.6014% | 1,124 |
| Core capital (leverage) ratio | 11.8706% | 1,734 |
| Tier 1 risk-based capital ratio | 37.1623% | 293 |
| Total risk-based capital ratio | 37.7917% | 305 |
| Memoranda: | ||
| Average total assets | $556,616,670 | 1,200 |
| Average earning assets | $517,827,330 | 1,180 |
| Average equity | $73,901,330 | 987 |
| Average total loans | $117,711,330 | 3,108 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0364% | 6,204 |
| Cost of funding earning assets | 0.2452% | 5,631 |
| Net interest margin | 2.7913% | 5,952 |
| Noninterest income to average assets | 0.7856% | 1,819 |
| Noninterest expense to average assets | 1.2116% | 6,630 |
| Loan and lease loss provision to assets | 0.1798% | 1,340 |
| Net operating income to assets | 1.3004% | 1,207 |
| Return on assets (ROA) | 1.3004% | 1,254 |
| Pretax return on assets | 1.9921% | 542 |
| Return on Equity (ROE) | 9.9173% | 2,073 |
| Retained earnings to average equity (ytd only) | 9.9173% | 987 |
| Net charge-offs to loans | 0.2097% | 1,493 |
| Credit loss provision to net charge-offs | 401.6129% | 649 |
| Earnings coverage of net charge-offs (x) | 48.5161% | 764 |
| Efficiency ratio | 35.8088% | 6,640 |
| Assets per employee ($millions) | 11.2667% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 5,287 |
| Loan loss allowance to noncurrent loans | 18.9431% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 1.2183% | 2,827 |
| Noncurrent loans to loans | 5.5863% | 352 |
| Net loans and leases to total assets | 21.1869% | 6,558 |
| Net loans and leases to deposits | 26.1500% | 6,542 |
| Net loans and leases to core deposits | 29.4691% | 6,505 |
| Total domestic deposits to total assets | 81.0206% | 5,229 |
| Equity capital to assets | 13.4369% | 1,123 |
| Core capital (leverage) ratio | 12.0582% | 1,620 |
| Tier 1 risk-based capital ratio | 37.3133% | 285 |
| Total risk-based capital ratio | 38.0468% | 289 |
| Memoranda: | ||
| Average total assets | $553,986,000 | 1,208 |
| Average earning assets | $515,602,500 | 1,192 |
| Average equity | $72,640,500 | 1,001 |
| Average total loans | $118,258,500 | 3,107 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8669% | 6,453 |
| Cost of funding earning assets | 0.2922% | 5,656 |
| Net interest margin | 2.5747% | 6,293 |
| Noninterest income to average assets | 0.7526% | 2,281 |
| Noninterest expense to average assets | 1.2289% | 6,708 |
| Loan and lease loss provision to assets | -0.0009% | 6,242 |
| Net operating income to assets | 1.2705% | 1,333 |
| Return on assets (ROA) | 1.2705% | 1,389 |
| Pretax return on assets | 1.9158% | 583 |
| Return on Equity (ROE) | 9.4088% | 2,366 |
| Retained earnings to average equity (ytd only) | 5.9724% | 1,992 |
| Net charge-offs to loans | 0.5018% | 1,321 |
| Credit loss provision to net charge-offs | -0.8065% | 5,659 |
| Earnings coverage of net charge-offs (x) | 16.6403% | 1,786 |
| Efficiency ratio | 39.0896% | 6,706 |
| Assets per employee ($millions) | 15.4418% | 72 |
| Cash dividends to net income (ytd only)* | 36.5230% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 5,930 |
| Loan loss allowance to noncurrent loans | 19.5445% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 1.0689% | 3,273 |
| Noncurrent loans to loans | 4.6019% | 569 |
| Net loans and leases to total assets | 21.0893% | 6,655 |
| Net loans and leases to deposits | 25.8549% | 6,643 |
| Net loans and leases to core deposits | 32.7460% | 6,542 |
| Total domestic deposits to total assets | 81.5679% | 5,015 |
| Equity capital to assets | 12.7900% | 1,372 |
| Core capital (leverage) ratio | 11.8830% | 1,690 |
| Tier 1 risk-based capital ratio | 35.8328% | 301 |
| Total risk-based capital ratio | 36.4502% | 313 |
| Memoranda: | ||
| Average total assets | $538,773,200 | 1,232 |
| Average earning assets | $500,364,800 | 1,217 |
| Average equity | $72,751,000 | 980 |
| Average total loans | $123,561,000 | 2,969 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8264% | 6,559 |
| Cost of funding earning assets | 0.3052% | 5,689 |
| Net interest margin | 2.5212% | 6,411 |
| Noninterest income to average assets | 0.7504% | 2,367 |
| Noninterest expense to average assets | 1.2999% | 6,743 |
| Loan and lease loss provision to assets | 0.0057% | 4,856 |
| Net operating income to assets | 1.1822% | 1,693 |
| Return on assets (ROA) | 1.1822% | 1,762 |
| Pretax return on assets | 1.7836% | 938 |
| Return on Equity (ROE) | 8.6361% | 2,815 |
| Retained earnings to average equity (ytd only) | 8.6361% | 1,180 |
| Net charge-offs to loans | 0.5680% | 1,115 |
| Credit loss provision to net charge-offs | 4.3233% | 4,286 |
| Earnings coverage of net charge-offs (x) | 13.4830% | 2,026 |
| Efficiency ratio | 42.0785% | 6,709 |
| Assets per employee ($millions) | 12.8538% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 5,826 |
| Loan loss allowance to noncurrent loans | 15.7796% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 1.3878% | 2,880 |
| Noncurrent loans to loans | 6.1725% | 394 |
| Net loans and leases to total assets | 22.2226% | 6,714 |
| Net loans and leases to deposits | 29.4170% | 6,678 |
| Net loans and leases to core deposits | 38.5538% | 6,488 |
| Total domestic deposits to total assets | 75.5435% | 6,218 |
| Equity capital to assets | 13.6763% | 1,058 |
| Core capital (leverage) ratio | 12.3874% | 1,479 |
| Tier 1 risk-based capital ratio | 36.3573% | 301 |
| Total risk-based capital ratio | 37.0482% | 309 |
| Memoranda: | ||
| Average total assets | $534,490,500 | 1,257 |
| Average earning assets | $495,843,750 | 1,238 |
| Average equity | $73,163,750 | 984 |
| Average total loans | $124,876,250 | 2,959 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8344% | 6,587 |
| Cost of funding earning assets | 0.3229% | 5,638 |
| Net interest margin | 2.5114% | 6,441 |
| Noninterest income to average assets | 0.7419% | 2,450 |
| Noninterest expense to average assets | 1.3126% | 6,782 |
| Loan and lease loss provision to assets | -0.0672% | 6,667 |
| Net operating income to assets | 1.2161% | 1,548 |
| Return on assets (ROA) | 1.2161% | 1,653 |
| Pretax return on assets | 1.8265% | 878 |
| Return on Equity (ROE) | 8.8812% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.8812% | 1,170 |
| Net charge-offs to loans | 0.2284% | 2,360 |
| Credit loss provision to net charge-offs | -124.3056% | 5,646 |
| Earnings coverage of net charge-offs (x) | 32.5417% | 1,085 |
| Efficiency ratio | 42.7279% | 6,738 |
| Assets per employee ($millions) | 11.6124% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,370 |
| Loan loss allowance to noncurrent loans | 20.3577% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 3,113 |
| Noncurrent loans to loans | 5.4929% | 558 |
| Net loans and leases to total assets | 23.1156% | 6,737 |
| Net loans and leases to deposits | 29.9171% | 6,701 |
| Net loans and leases to core deposits | 39.3311% | 6,495 |
| Total domestic deposits to total assets | 77.2654% | 6,089 |
| Equity capital to assets | 13.8408% | 1,010 |
| Core capital (leverage) ratio | 12.2205% | 1,499 |
| Tier 1 risk-based capital ratio | 35.9933% | 304 |
| Total risk-based capital ratio | 36.8026% | 313 |
| Memoranda: | ||
| Average total assets | $532,700,670 | 1,256 |
| Average earning assets | $494,218,330 | 1,241 |
| Average equity | $72,940,670 | 987 |
| Average total loans | $126,118,000 | 2,952 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8551% | 6,648 |
| Cost of funding earning assets | 0.3416% | 5,628 |
| Net interest margin | 2.5135% | 6,493 |
| Noninterest income to average assets | 0.7602% | 2,296 |
| Noninterest expense to average assets | 1.3046% | 6,875 |
| Loan and lease loss provision to assets | 0.0171% | 4,251 |
| Net operating income to assets | 1.2035% | 1,512 |
| Return on assets (ROA) | 1.2035% | 1,624 |
| Pretax return on assets | 1.7703% | 936 |
| Return on Equity (ROE) | 8.8357% | 2,562 |
| Retained earnings to average equity (ytd only) | 8.8357% | 1,441 |
| Net charge-offs to loans | 0.3310% | 1,645 |
| Credit loss provision to net charge-offs | 21.6981% | 3,011 |
| Earnings coverage of net charge-offs (x) | 22.6698% | 1,127 |
| Efficiency ratio | 42.1939% | 6,833 |
| Assets per employee ($millions) | 11.4054% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,862 |
| Loan loss allowance to noncurrent loans | 27.3501% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 1.1488% | 3,644 |
| Noncurrent loans to loans | 4.6304% | 878 |
| Net loans and leases to total assets | 23.3573% | 6,789 |
| Net loans and leases to deposits | 29.6855% | 6,753 |
| Net loans and leases to core deposits | 40.9603% | 6,443 |
| Total domestic deposits to total assets | 78.6827% | 6,018 |
| Equity capital to assets | 13.8382% | 1,077 |
| Core capital (leverage) ratio | 11.8105% | 1,672 |
| Tier 1 risk-based capital ratio | 34.5094% | 363 |
| Total risk-based capital ratio | 35.4689% | 364 |
| Memoranda: | ||
| Average total assets | $537,772,500 | 1,257 |
| Average earning assets | $498,898,000 | 1,242 |
| Average equity | $73,248,000 | 995 |
| Average total loans | $128,098,000 | 2,926 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8307% | 6,846 |
| Cost of funding earning assets | 0.4675% | 5,436 |
| Net interest margin | 2.3633% | 6,805 |
| Noninterest income to average assets | 0.7798% | 2,348 |
| Noninterest expense to average assets | 1.2743% | 6,966 |
| Loan and lease loss provision to assets | -0.0563% | 6,873 |
| Net operating income to assets | 1.1481% | 1,775 |
| Return on assets (ROA) | 1.2277% | 1,677 |
| Pretax return on assets | 1.8719% | 793 |
| Return on Equity (ROE) | 8.3966% | 2,918 |
| Retained earnings to average equity (ytd only) | -5.4757% | 6,459 |
| Net charge-offs to loans | 0.1743% | 3,983 |
| Credit loss provision to net charge-offs | -131.5789% | 6,353 |
| Earnings coverage of net charge-offs (x) | 39.5833% | 808 |
| Efficiency ratio | 42.9159% | 6,878 |
| Assets per employee ($millions) | 11.0100% | 178 |
| Cash dividends to net income (ytd only)* | 165.2134% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,604 |
| Loan loss allowance to noncurrent loans | 48.7305% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 4,749 |
| Noncurrent loans to loans | 2.6789% | 1,974 |
| Net loans and leases to total assets | 23.6692% | 6,865 |
| Net loans and leases to deposits | 29.4981% | 6,843 |
| Net loans and leases to core deposits | 40.3406% | 6,601 |
| Total domestic deposits to total assets | 80.2397% | 5,602 |
| Equity capital to assets | 13.4045% | 1,267 |
| Core capital (leverage) ratio | 11.2743% | 2,033 |
| Tier 1 risk-based capital ratio | 33.5151% | 382 |
| Total risk-based capital ratio | 34.5239% | 382 |
| Memoranda: | ||
| Average total assets | $532,452,800 | 1,251 |
| Average earning assets | $493,302,400 | 1,233 |
| Average equity | $77,852,600 | 904 |
| Average total loans | $130,830,800 | 2,873 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8092% | 6,970 |
| Cost of funding earning assets | 0.4770% | 5,586 |
| Net interest margin | 2.3322% | 6,926 |
| Noninterest income to average assets | 0.7673% | 2,393 |
| Noninterest expense to average assets | 1.3406% | 7,023 |
| Loan and lease loss provision to assets | -0.1452% | 7,068 |
| Net operating income to assets | 1.1414% | 1,946 |
| Return on assets (ROA) | 1.1564% | 2,075 |
| Pretax return on assets | 1.7567% | 1,149 |
| Return on Equity (ROE) | 7.7454% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.7454% | 1,731 |
| Net charge-offs to loans | 0.1941% | 3,566 |
| Credit loss provision to net charge-offs | -302.6178% | 6,380 |
| Earnings coverage of net charge-offs (x) | 33.1048% | 1,011 |
| Efficiency ratio | 45.7672% | 6,827 |
| Assets per employee ($millions) | 11.3315% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,631 |
| Loan loss allowance to noncurrent loans | 30.7496% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 4,074 |
| Noncurrent loans to loans | 3.6444% | 1,477 |
| Net loans and leases to total assets | 25.0556% | 6,943 |
| Net loans and leases to deposits | 31.6277% | 6,920 |
| Net loans and leases to core deposits | 47.2411% | 6,462 |
| Total domestic deposits to total assets | 79.2204% | 5,822 |
| Equity capital to assets | 16.1151% | 586 |
| Core capital (leverage) ratio | 13.6897% | 948 |
| Tier 1 risk-based capital ratio | 39.9870% | 242 |
| Total risk-based capital ratio | 40.9005% | 245 |
| Memoranda: | ||
| Average total assets | $530,693,250 | 1,271 |
| Average earning assets | $491,948,750 | 1,253 |
| Average equity | $79,236,750 | 887 |
| Average total loans | $131,193,000 | 2,898 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8393% | 7,032 |
| Cost of funding earning assets | 0.4867% | 5,712 |
| Net interest margin | 2.3526% | 6,984 |
| Noninterest income to average assets | 0.8061% | 2,154 |
| Noninterest expense to average assets | 1.3266% | 7,094 |
| Loan and lease loss provision to assets | -0.0725% | 7,094 |
| Net operating income to assets | 1.1443% | 1,896 |
| Return on assets (ROA) | 1.1443% | 2,113 |
| Pretax return on assets | 1.7332% | 1,176 |
| Return on Equity (ROE) | 7.8612% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.8612% | 1,695 |
| Net charge-offs to loans | 0.1547% | 3,679 |
| Credit loss provision to net charge-offs | -191.1765% | 6,130 |
| Earnings coverage of net charge-offs (x) | 43.7647% | 817 |
| Efficiency ratio | 44.4085% | 6,939 |
| Assets per employee ($millions) | 11.2827% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 4,109 |
| Loan loss allowance to noncurrent loans | 38.9452% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 1.2285% | 3,958 |
| Noncurrent loans to loans | 3.8016% | 1,477 |
| Net loans and leases to total assets | 24.6168% | 7,016 |
| Net loans and leases to deposits | 30.3061% | 7,001 |
| Net loans and leases to core deposits | 45.8380% | 6,581 |
| Total domestic deposits to total assets | 81.2271% | 5,386 |
| Equity capital to assets | 15.4201% | 694 |
| Core capital (leverage) ratio | 13.0006% | 1,151 |
| Tier 1 risk-based capital ratio | 39.2254% | 246 |
| Total risk-based capital ratio | 40.4186% | 240 |
| Memoranda: | ||
| Average total assets | $537,618,330 | 1,257 |
| Average earning assets | $498,434,670 | 1,235 |
| Average equity | $78,257,670 | 893 |
| Average total loans | $131,853,670 | 2,895 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7906% | 7,111 |
| Cost of funding earning assets | 0.4915% | 5,870 |
| Net interest margin | 2.2991% | 7,056 |
| Noninterest income to average assets | 0.6597% | 2,870 |
| Noninterest expense to average assets | 1.2923% | 7,177 |
| Loan and lease loss provision to assets | 0.1368% | 3,639 |
| Net operating income to assets | 0.9171% | 2,840 |
| Return on assets (ROA) | 0.9171% | 3,056 |
| Pretax return on assets | 1.3618% | 2,324 |
| Return on Equity (ROE) | 6.4830% | 4,051 |
| Retained earnings to average equity (ytd only) | 6.4830% | 2,700 |
| Net charge-offs to loans | 0.2166% | 2,844 |
| Credit loss provision to net charge-offs | 259.7222% | 1,111 |
| Earnings coverage of net charge-offs (x) | 28.4583% | 964 |
| Efficiency ratio | 46.3050% | 6,884 |
| Assets per employee ($millions) | 12.4798% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7988% | 2,996 |
| Loan loss allowance to noncurrent loans | 23.7746% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 2.1857% | 2,704 |
| Noncurrent loans to loans | 7.5660% | 551 |
| Net loans and leases to total assets | 23.7342% | 7,086 |
| Net loans and leases to deposits | 28.9036% | 7,078 |
| Net loans and leases to core deposits | 42.8918% | 6,708 |
| Total domestic deposits to total assets | 82.1152% | 5,255 |
| Equity capital to assets | 14.5236% | 859 |
| Core capital (leverage) ratio | 12.2782% | 1,446 |
| Tier 1 risk-based capital ratio | 38.1889% | 264 |
| Total risk-based capital ratio | 39.4688% | 257 |
| Memoranda: | ||
| Average total assets | $546,925,500 | 1,244 |
| Average earning assets | $506,984,500 | 1,217 |
| Average equity | $77,371,000 | 904 |
| Average total loans | $132,939,500 | 2,891 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1543% | 7,138 |
| Cost of funding earning assets | 0.5645% | 6,266 |
| Net interest margin | 2.5898% | 7,007 |
| Noninterest income to average assets | 0.8136% | 1,988 |
| Noninterest expense to average assets | 1.4300% | 7,201 |
| Loan and lease loss provision to assets | 0.1868% | 4,320 |
| Net operating income to assets | 1.0329% | 2,072 |
| Return on assets (ROA) | 1.1923% | 1,640 |
| Pretax return on assets | 1.8273% | 763 |
| Return on Equity (ROE) | 9.1348% | 2,393 |
| Retained earnings to average equity (ytd only) | 4.9057% | 2,715 |
| Net charge-offs to loans | 0.7820% | 2,204 |
| Credit loss provision to net charge-offs | 90.3531% | 3,990 |
| Earnings coverage of net charge-offs (x) | 8.5564% | 2,124 |
| Efficiency ratio | 44.0746% | 7,123 |
| Assets per employee ($millions) | 11.8558% | 156 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 3,473 |
| Loan loss allowance to noncurrent loans | 29.9959% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 1.6703% | 3,448 |
| Noncurrent loans to loans | 5.4273% | 983 |
| Net loans and leases to total assets | 24.0414% | 7,156 |
| Net loans and leases to deposits | 30.7010% | 7,119 |
| Net loans and leases to core deposits | 45.7498% | 6,745 |
| Total domestic deposits to total assets | 78.3082% | 6,139 |
| Equity capital to assets | 13.7834% | 1,145 |
| Core capital (leverage) ratio | 11.9389% | 1,634 |
| Tier 1 risk-based capital ratio | 36.3254% | 302 |
| Total risk-based capital ratio | 37.6047% | 299 |
| Memoranda: | ||
| Average total assets | $561,606,600 | 1,175 |
| Average earning assets | $517,263,800 | 1,156 |
| Average equity | $73,302,400 | 924 |
| Average total loans | $148,469,400 | 2,663 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2264% | 7,198 |
| Cost of funding earning assets | 0.5852% | 6,353 |
| Net interest margin | 2.6412% | 7,041 |
| Noninterest income to average assets | 0.7348% | 2,389 |
| Noninterest expense to average assets | 1.3750% | 7,285 |
| Loan and lease loss provision to assets | 0.1829% | 4,205 |
| Net operating income to assets | 1.0493% | 2,143 |
| Return on assets (ROA) | 1.1442% | 1,947 |
| Pretax return on assets | 1.7525% | 1,037 |
| Return on Equity (ROE) | 8.8897% | 2,651 |
| Retained earnings to average equity (ytd only) | 3.1829% | 4,434 |
| Net charge-offs to loans | 0.8490% | 1,875 |
| Credit loss provision to net charge-offs | 80.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | 7.8259% | 2,292 |
| Efficiency ratio | 42.8154% | 7,182 |
| Assets per employee ($millions) | 11.6395% | 163 |
| Cash dividends to net income (ytd only)* | 64.1954% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 4,025 |
| Loan loss allowance to noncurrent loans | 28.2428% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 2.0770% | 3,053 |
| Noncurrent loans to loans | 5.3660% | 1,122 |
| Net loans and leases to total assets | 24.8447% | 7,213 |
| Net loans and leases to deposits | 34.3863% | 7,118 |
| Net loans and leases to core deposits | 51.6006% | 6,590 |
| Total domestic deposits to total assets | 72.2519% | 6,914 |
| Equity capital to assets | 13.5715% | 1,341 |
| Core capital (leverage) ratio | 11.2772% | 2,173 |
| Tier 1 risk-based capital ratio | 33.8424% | 390 |
| Total risk-based capital ratio | 35.0693% | 382 |
| Memoranda: | ||
| Average total assets | $562,703,000 | 1,187 |
| Average earning assets | $517,631,250 | 1,169 |
| Average equity | $72,427,000 | 941 |
| Average total loans | $151,541,500 | 2,642 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2791% | 7,260 |
| Cost of funding earning assets | 0.6020% | 6,454 |
| Net interest margin | 2.6771% | 7,051 |
| Noninterest income to average assets | 0.7216% | 2,429 |
| Noninterest expense to average assets | 1.3418% | 7,382 |
| Loan and lease loss provision to assets | 0.1801% | 4,115 |
| Net operating income to assets | 1.0876% | 1,907 |
| Return on assets (ROA) | 1.1372% | 1,836 |
| Pretax return on assets | 1.7421% | 972 |
| Return on Equity (ROE) | 8.9964% | 2,516 |
| Retained earnings to average equity (ytd only) | 0.3002% | 5,720 |
| Net charge-offs to loans | 1.1027% | 1,429 |
| Credit loss provision to net charge-offs | 59.4152% | 4,354 |
| Earnings coverage of net charge-offs (x) | 6.0889% | 2,473 |
| Efficiency ratio | 41.4683% | 7,312 |
| Assets per employee ($millions) | 11.6168% | 159 |
| Cash dividends to net income (ytd only)* | 96.6635% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 4,754 |
| Loan loss allowance to noncurrent loans | 34.7110% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 1.6847% | 3,659 |
| Noncurrent loans to loans | 3.9297% | 1,766 |
| Net loans and leases to total assets | 25.7026% | 7,288 |
| Net loans and leases to deposits | 34.4572% | 7,203 |
| Net loans and leases to core deposits | 50.7250% | 6,731 |
| Total domestic deposits to total assets | 74.5929% | 6,772 |
| Equity capital to assets | 13.3296% | 1,368 |
| Core capital (leverage) ratio | 10.7756% | 2,448 |
| Tier 1 risk-based capital ratio | 33.3471% | 406 |
| Total risk-based capital ratio | 34.4824% | 399 |
| Memoranda: | ||
| Average total assets | $564,039,330 | 1,191 |
| Average earning assets | $519,597,000 | 1,173 |
| Average equity | $71,295,000 | 953 |
| Average total loans | $155,074,670 | 2,608 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2303% | 7,330 |
| Cost of funding earning assets | 0.6224% | 6,511 |
| Net interest margin | 2.6079% | 7,114 |
| Noninterest income to average assets | 0.6939% | 2,613 |
| Noninterest expense to average assets | 1.2954% | 7,461 |
| Loan and lease loss provision to assets | 0.1735% | 3,890 |
| Net operating income to assets | 1.0666% | 1,957 |
| Return on assets (ROA) | 1.1459% | 1,728 |
| Pretax return on assets | 1.7551% | 888 |
| Return on Equity (ROE) | 9.3151% | 2,342 |
| Retained earnings to average equity (ytd only) | 9.3151% | 1,291 |
| Net charge-offs to loans | 0.6802% | 1,855 |
| Credit loss provision to net charge-offs | 90.4412% | 2,941 |
| Earnings coverage of net charge-offs (x) | 9.4191% | 1,722 |
| Efficiency ratio | 41.1230% | 7,370 |
| Assets per employee ($millions) | 12.0038% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 4,386 |
| Loan loss allowance to noncurrent loans | 30.5965% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 1.6704% | 3,744 |
| Noncurrent loans to loans | 4.7774% | 1,434 |
| Net loans and leases to total assets | 27.5181% | 7,309 |
| Net loans and leases to deposits | 36.5579% | 7,210 |
| Net loans and leases to core deposits | 54.1129% | 6,547 |
| Total domestic deposits to total assets | 75.2725% | 6,760 |
| Equity capital to assets | 12.4914% | 1,633 |
| Core capital (leverage) ratio | 11.1177% | 2,103 |
| Tier 1 risk-based capital ratio | 31.9575% | 437 |
| Total risk-based capital ratio | 33.1784% | 432 |
| Memoranda: | ||
| Average total assets | $567,255,000 | 1,188 |
| Average earning assets | $523,796,500 | 1,170 |
| Average equity | $69,779,000 | 963 |
| Average total loans | $159,961,000 | 2,564 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 7,224 |
| Cost of funding earning assets | 0.8424% | 6,390 |
| Net interest margin | 3.0191% | 6,702 |
| Noninterest income to average assets | 0.8311% | 2,136 |
| Noninterest expense to average assets | 1.4885% | 7,451 |
| Loan and lease loss provision to assets | 0.1763% | 5,465 |
| Net operating income to assets | 1.2756% | 1,234 |
| Return on assets (ROA) | 1.3151% | 1,204 |
| Pretax return on assets | 1.9985% | 479 |
| Return on Equity (ROE) | 9.4816% | 2,115 |
| Retained earnings to average equity (ytd only) | 1.3175% | 4,885 |
| Net charge-offs to loans | 0.6040% | 3,218 |
| Credit loss provision to net charge-offs | 90.4810% | 5,111 |
| Earnings coverage of net charge-offs (x) | 10.8537% | 1,665 |
| Efficiency ratio | 40.7022% | 7,500 |
| Assets per employee ($millions) | 12.1347% | 149 |
| Cash dividends to net income (ytd only)* | 86.1045% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 4,353 |
| Loan loss allowance to noncurrent loans | 47.8332% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.3168% | 4,393 |
| Noncurrent loans to loans | 2.9987% | 2,552 |
| Net loans and leases to total assets | 28.0607% | 7,401 |
| Net loans and leases to deposits | 37.6867% | 7,309 |
| Net loans and leases to core deposits | 55.9876% | 6,693 |
| Total domestic deposits to total assets | 74.4579% | 6,834 |
| Equity capital to assets | 12.1129% | 1,849 |
| Core capital (leverage) ratio | 11.3302% | 1,934 |
| Tier 1 risk-based capital ratio | 30.4626% | 492 |
| Total risk-based capital ratio | 31.6744% | 485 |
| Memoranda: | ||
| Average total assets | $512,190,000 | 1,306 |
| Average earning assets | $470,301,200 | 1,301 |
| Average equity | $71,043,000 | 951 |
| Average total loans | $165,242,800 | 2,541 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0132% | 7,274 |
| Cost of funding earning assets | 0.9010% | 6,387 |
| Net interest margin | 3.1123% | 6,583 |
| Noninterest income to average assets | 0.8557% | 1,976 |
| Noninterest expense to average assets | 1.5829% | 7,511 |
| Loan and lease loss provision to assets | 0.1803% | 5,245 |
| Net operating income to assets | 1.2788% | 1,385 |
| Return on assets (ROA) | 1.3034% | 1,399 |
| Pretax return on assets | 1.9831% | 637 |
| Return on Equity (ROE) | 9.0679% | 2,466 |
| Retained earnings to average equity (ytd only) | 6.2720% | 2,220 |
| Net charge-offs to loans | 0.5744% | 3,026 |
| Credit loss provision to net charge-offs | 94.1259% | 4,606 |
| Earnings coverage of net charge-offs (x) | 11.0993% | 1,818 |
| Efficiency ratio | 42.0688% | 7,528 |
| Assets per employee ($millions) | 10.4327% | 238 |
| Cash dividends to net income (ytd only)* | 30.8325% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 4,279 |
| Loan loss allowance to noncurrent loans | 39.1905% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4322% | 4,306 |
| Noncurrent loans to loans | 3.6651% | 2,132 |
| Net loans and leases to total assets | 29.5607% | 7,478 |
| Net loans and leases to deposits | 41.8903% | 7,305 |
| Net loans and leases to core deposits | 62.8235% | 6,389 |
| Total domestic deposits to total assets | 70.5668% | 7,245 |
| Equity capital to assets | 13.3613% | 1,412 |
| Core capital (leverage) ratio | 13.2121% | 1,148 |
| Tier 1 risk-based capital ratio | 30.6158% | 487 |
| Total risk-based capital ratio | 31.8247% | 480 |
| Memoranda: | ||
| Average total assets | $497,654,500 | 1,365 |
| Average earning assets | $456,244,250 | 1,356 |
| Average equity | $71,532,750 | 938 |
| Average total loans | $165,961,500 | 2,577 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 7,234 |
| Cost of funding earning assets | 0.9734% | 6,267 |
| Net interest margin | 3.1734% | 6,394 |
| Noninterest income to average assets | 0.8877% | 1,733 |
| Noninterest expense to average assets | 1.6443% | 7,538 |
| Loan and lease loss provision to assets | 0.1849% | 5,023 |
| Net operating income to assets | 1.2828% | 1,348 |
| Return on assets (ROA) | 1.3205% | 1,330 |
| Pretax return on assets | 2.0187% | 580 |
| Return on Equity (ROE) | 8.9441% | 2,490 |
| Retained earnings to average equity (ytd only) | 4.7038% | 3,079 |
| Net charge-offs to loans | 0.6831% | 2,510 |
| Credit loss provision to net charge-offs | 78.1305% | 4,760 |
| Earnings coverage of net charge-offs (x) | 9.0670% | 2,058 |
| Efficiency ratio | 42.7706% | 7,557 |
| Assets per employee ($millions) | 10.0160% | 254 |
| Cash dividends to net income (ytd only)* | 47.4083% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 4,493 |
| Loan loss allowance to noncurrent loans | 55.5153% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.2131% | 4,712 |
| Noncurrent loans to loans | 2.4964% | 3,157 |
| Net loans and leases to total assets | 34.0408% | 7,419 |
| Net loans and leases to deposits | 42.3846% | 7,383 |
| Net loans and leases to core deposits | 62.4035% | 6,518 |
| Total domestic deposits to total assets | 80.3142% | 5,624 |
| Equity capital to assets | 15.0091% | 883 |
| Core capital (leverage) ratio | 12.8729% | 1,250 |
| Tier 1 risk-based capital ratio | 30.1673% | 496 |
| Total risk-based capital ratio | 31.3476% | 494 |
| Memoranda: | ||
| Average total assets | $479,228,000 | 1,427 |
| Average earning assets | $438,265,670 | 1,416 |
| Average equity | $70,750,670 | 946 |
| Average total loans | $166,004,330 | 2,609 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1446% | 7,334 |
| Cost of funding earning assets | 0.9779% | 6,478 |
| Net interest margin | 3.1666% | 6,395 |
| Noninterest income to average assets | 0.8594% | 1,772 |
| Noninterest expense to average assets | 1.5951% | 7,659 |
| Loan and lease loss provision to assets | 0.1823% | 4,698 |
| Net operating income to assets | 1.2958% | 1,311 |
| Return on assets (ROA) | 1.2958% | 1,381 |
| Pretax return on assets | 1.9814% | 629 |
| Return on Equity (ROE) | 8.8513% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.8513% | 1,443 |
| Net charge-offs to loans | 0.7276% | 2,047 |
| Credit loss provision to net charge-offs | 72.1854% | 4,053 |
| Earnings coverage of net charge-offs (x) | 8.5695% | 1,943 |
| Efficiency ratio | 41.8149% | 7,684 |
| Assets per employee ($millions) | 8.0871% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 4,330 |
| Loan loss allowance to noncurrent loans | 73.7008% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 5,147 |
| Noncurrent loans to loans | 1.9249% | 3,897 |
| Net loans and leases to total assets | 33.5111% | 7,512 |
| Net loans and leases to deposits | 41.9314% | 7,461 |
| Net loans and leases to core deposits | 61.6334% | 6,629 |
| Total domestic deposits to total assets | 79.9189% | 5,806 |
| Equity capital to assets | 14.6084% | 977 |
| Core capital (leverage) ratio | 13.0552% | 1,197 |
| Tier 1 risk-based capital ratio | 29.4837% | 550 |
| Total risk-based capital ratio | 30.6508% | 540 |
| Memoranda: | ||
| Average total assets | $478,458,500 | 1,462 |
| Average earning assets | $438,066,500 | 1,452 |
| Average equity | $70,046,500 | 958 |
| Average total loans | $166,028,000 | 2,673 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 7,014 |
| Cost of funding earning assets | 1.2547% | 6,460 |
| Net interest margin | 3.5114% | 4,906 |
| Noninterest income to average assets | 0.9503% | 1,748 |
| Noninterest expense to average assets | 1.6790% | 7,715 |
| Loan and lease loss provision to assets | 0.2115% | 5,652 |
| Net operating income to assets | 1.4775% | 704 |
| Return on assets (ROA) | 1.6083% | 573 |
| Pretax return on assets | 2.4553% | 170 |
| Return on Equity (ROE) | 10.9924% | 1,428 |
| Retained earnings to average equity (ytd only) | 10.9924% | 281 |
| Net charge-offs to loans | 0.2706% | 4,927 |
| Credit loss provision to net charge-offs | 212.6411% | 1,807 |
| Earnings coverage of net charge-offs (x) | 24.8217% | 896 |
| Efficiency ratio | 39.8755% | 7,860 |
| Assets per employee ($millions) | 7.4871% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 3,973 |
| Loan loss allowance to noncurrent loans | 61.8683% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.1404% | 4,815 |
| Noncurrent loans to loans | 2.3445% | 3,239 |
| Net loans and leases to total assets | 34.9142% | 7,564 |
| Net loans and leases to deposits | 44.3894% | 7,498 |
| Net loans and leases to core deposits | 85.8205% | 5,534 |
| Total domestic deposits to total assets | 78.6544% | 6,081 |
| Equity capital to assets | 14.6726% | 985 |
| Core capital (leverage) ratio | 13.1661% | 1,192 |
| Tier 1 risk-based capital ratio | 28.9108% | 586 |
| Total risk-based capital ratio | 30.1193% | 572 |
| Memoranda: | ||
| Average total assets | $445,443,000 | 1,558 |
| Average earning assets | $405,592,800 | 1,560 |
| Average equity | $65,172,400 | 1,018 |
| Average total loans | $163,682,200 | 2,706 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9380% | 6,798 |
| Cost of funding earning assets | 1.3335% | 6,455 |
| Net interest margin | 3.6044% | 4,466 |
| Noninterest income to average assets | 0.9576% | 1,748 |
| Noninterest expense to average assets | 1.7632% | 7,699 |
| Loan and lease loss provision to assets | 0.2139% | 5,274 |
| Net operating income to assets | 1.4792% | 855 |
| Return on assets (ROA) | 1.6563% | 648 |
| Pretax return on assets | 2.5267% | 184 |
| Return on Equity (ROE) | 11.3291% | 1,536 |
| Retained earnings to average equity (ytd only) | 11.3291% | 437 |
| Net charge-offs to loans | 0.2563% | 4,451 |
| Credit loss provision to net charge-offs | 224.9201% | 1,947 |
| Earnings coverage of net charge-offs (x) | 26.0002% | 1,033 |
| Efficiency ratio | 41.0271% | 7,903 |
| Assets per employee ($millions) | 8.2121% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 3,994 |
| Loan loss allowance to noncurrent loans | 82.9216% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 5,443 |
| Noncurrent loans to loans | 1.6791% | 4,132 |
| Net loans and leases to total assets | 36.9878% | 7,585 |
| Net loans and leases to deposits | 49.3962% | 7,437 |
| Net loans and leases to core deposits | 99.5799% | 4,422 |
| Total domestic deposits to total assets | 74.8798% | 6,790 |
| Equity capital to assets | 15.0605% | 990 |
| Core capital (leverage) ratio | 13.6709% | 1,175 |
| Tier 1 risk-based capital ratio | 29.0277% | 622 |
| Total risk-based capital ratio | 30.2298% | 608 |
| Memoranda: | ||
| Average total assets | $438,881,250 | 1,587 |
| Average earning assets | $399,130,000 | 1,608 |
| Average equity | $64,163,250 | 1,048 |
| Average total loans | $162,825,000 | 2,746 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1124% | 6,381 |
| Cost of funding earning assets | 1.4101% | 6,444 |
| Net interest margin | 3.7024% | 3,941 |
| Noninterest income to average assets | 0.9466% | 1,771 |
| Noninterest expense to average assets | 1.7866% | 7,758 |
| Loan and lease loss provision to assets | 0.2094% | 4,948 |
| Net operating income to assets | 1.5099% | 816 |
| Return on assets (ROA) | 1.7679% | 540 |
| Pretax return on assets | 2.7117% | 150 |
| Return on Equity (ROE) | 12.2170% | 1,358 |
| Retained earnings to average equity (ytd only) | 12.2170% | 411 |
| Net charge-offs to loans | 0.3576% | 3,395 |
| Credit loss provision to net charge-offs | 158.4775% | 2,905 |
| Earnings coverage of net charge-offs (x) | 19.1003% | 1,381 |
| Efficiency ratio | 40.8507% | 8,003 |
| Assets per employee ($millions) | 7.1693% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 4,454 |
| Loan loss allowance to noncurrent loans | 33.3546% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 1.7693% | 3,523 |
| Noncurrent loans to loans | 3.8113% | 1,796 |
| Net loans and leases to total assets | 39.1100% | 7,590 |
| Net loans and leases to deposits | 50.7914% | 7,450 |
| Net loans and leases to core deposits | 105.5663% | 3,887 |
| Total domestic deposits to total assets | 77.0013% | 6,329 |
| Equity capital to assets | 15.7809% | 868 |
| Core capital (leverage) ratio | 12.9011% | 1,464 |
| Tier 1 risk-based capital ratio | 29.2915% | 643 |
| Total risk-based capital ratio | 30.4278% | 636 |
| Memoranda: | ||
| Average total assets | $437,357,670 | 1,615 |
| Average earning assets | $397,422,670 | 1,635 |
| Average equity | $63,289,000 | 1,077 |
| Average total loans | $161,653,670 | 2,786 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 6,877 |
| Cost of funding earning assets | 1.4865% | 6,448 |
| Net interest margin | 3.5348% | 4,589 |
| Noninterest income to average assets | 0.8971% | 1,863 |
| Noninterest expense to average assets | 1.6353% | 7,881 |
| Loan and lease loss provision to assets | 0.2151% | 4,294 |
| Net operating income to assets | 1.4817% | 971 |
| Return on assets (ROA) | 1.4817% | 1,041 |
| Pretax return on assets | 2.2645% | 390 |
| Return on Equity (ROE) | 10.6884% | 2,073 |
| Retained earnings to average equity (ytd only) | 10.6884% | 1,041 |
| Net charge-offs to loans | 0.1299% | 3,923 |
| Credit loss provision to net charge-offs | 463.4615% | 1,148 |
| Earnings coverage of net charge-offs (x) | 53.4231% | 686 |
| Efficiency ratio | 39.1323% | 8,071 |
| Assets per employee ($millions) | 8.2121% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 4,064 |
| Loan loss allowance to noncurrent loans | 66.8142% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 0.7514% | 5,280 |
| Noncurrent loans to loans | 1.9478% | 3,345 |
| Net loans and leases to total assets | 35.4966% | 7,749 |
| Net loans and leases to deposits | 51.8650% | 7,409 |
| Net loans and leases to core deposits | 104.0936% | 4,127 |
| Total domestic deposits to total assets | 68.4404% | 7,561 |
| Equity capital to assets | 14.1186% | 1,330 |
| Core capital (leverage) ratio | 12.3066% | 1,756 |
| Tier 1 risk-based capital ratio | 27.2513% | 801 |
| Total risk-based capital ratio | 28.3606% | 795 |
| Memoranda: | ||
| Average total assets | $448,127,000 | 1,584 |
| Average earning assets | $407,944,000 | 1,595 |
| Average equity | $62,123,500 | 1,100 |
| Average total loans | $160,120,000 | 2,843 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5742% | 7,144 |
| Cost of funding earning assets | 2.2813% | 5,240 |
| Net interest margin | 3.2930% | 6,063 |
| Noninterest income to average assets | 0.9444% | 1,793 |
| Noninterest expense to average assets | 1.7335% | 7,831 |
| Loan and lease loss provision to assets | 0.0702% | 6,519 |
| Net operating income to assets | 1.3946% | 1,246 |
| Return on assets (ROA) | 1.3968% | 1,190 |
| Pretax return on assets | 2.1208% | 467 |
| Return on Equity (ROE) | 11.0658% | 1,886 |
| Retained earnings to average equity (ytd only) | 11.0658% | 318 |
| Net charge-offs to loans | 0.2317% | 3,923 |
| Credit loss provision to net charge-offs | 86.0656% | 5,760 |
| Earnings coverage of net charge-offs (x) | 26.8224% | 1,268 |
| Efficiency ratio | 43.5724% | 8,025 |
| Assets per employee ($millions) | 7.9391% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 4,382 |
| Loan loss allowance to noncurrent loans | 62.0567% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 5,002 |
| Noncurrent loans to loans | 1.9658% | 2,804 |
| Net loans and leases to total assets | 35.0606% | 7,864 |
| Net loans and leases to deposits | 52.3425% | 7,520 |
| Net loans and leases to core deposits | 106.0879% | 4,191 |
| Total domestic deposits to total assets | 66.9829% | 7,576 |
| Equity capital to assets | 13.6032% | 1,568 |
| Core capital (leverage) ratio | 11.8309% | 2,065 |
| Tier 1 risk-based capital ratio | 27.3509% | 805 |
| Total risk-based capital ratio | 28.4273% | 790 |
| Memoranda: | ||
| Average total assets | $448,750,400 | 1,531 |
| Average earning assets | $405,652,800 | 1,538 |
| Average equity | $56,643,000 | 1,187 |
| Average total loans | $157,987,600 | 2,802 |