Home > Commercial Bank > Performance and Condition Ratios
Commercial 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 | 5.8007% | 1,481 |
| Cost of funding earning assets | 2.0351% | 1,837 |
| Net interest margin | 3.7655% | 1,742 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 1.8087% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6019% | 904 |
| Return on assets (ROA) | 1.6019% | 895 |
| Pretax return on assets | 2.1167% | 570 |
| Return on Equity (ROE) | 15.0500% | 1,057 |
| Retained earnings to average equity (ytd only) | 8.0687% | 1,671 |
| Net charge-offs to loans | 0.0212% | 1,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 125.9579% | 602 |
| Efficiency ratio | 44.2837% | 4,166 |
| Assets per employee ($millions) | 7.9054% | 1,635 |
| Cash dividends to net income (ytd only)* | 46.3781% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,136 |
| Loan loss allowance to noncurrent loans | 375.1036% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 2,329 |
| Noncurrent loans to loans | 0.2708% | 2,530 |
| Net loans and leases to total assets | 78.6000% | 750 |
| Net loans and leases to deposits | 92.7370% | 863 |
| Net loans and leases to core deposits | 106.3086% | 1,013 |
| Total domestic deposits to total assets | 84.7500% | 2,696 |
| Equity capital to assets | 10.8354% | 1,741 |
| Core capital (leverage) ratio | 10.6276% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0143% | 1,846 |
| Memoranda: | ||
| Average total assets | $2,261,257,000 | 537 |
| Average earning assets | $2,116,244,000 | 524 |
| Average equity | $240,734,000 | 519 |
| Average total loans | $1,788,514,500 | 488 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9332% | 1,381 |
| Cost of funding earning assets | 2.1055% | 1,973 |
| Net interest margin | 3.8277% | 1,448 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 1.8421% | 3,890 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.6831% | 678 |
| Return on assets (ROA) | 1.6831% | 671 |
| Pretax return on assets | 2.1478% | 466 |
| Return on Equity (ROE) | 16.2400% | 761 |
| Retained earnings to average equity (ytd only) | 10.2156% | 545 |
| Net charge-offs to loans | 0.0172% | 2,287 |
| Credit loss provision to net charge-offs | 160.5072% | 1,339 |
| Earnings coverage of net charge-offs (x) | 162.4203% | 586 |
| Efficiency ratio | 44.3518% | 4,222 |
| Assets per employee ($millions) | 7.9915% | 1,542 |
| Cash dividends to net income (ytd only)* | 37.0892% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,138 |
| Loan loss allowance to noncurrent loans | 359.6405% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 2,229 |
| Noncurrent loans to loans | 0.2821% | 2,415 |
| Net loans and leases to total assets | 77.9800% | 903 |
| Net loans and leases to deposits | 91.5668% | 1,075 |
| Net loans and leases to core deposits | 106.3518% | 1,106 |
| Total domestic deposits to total assets | 85.1700% | 2,475 |
| Equity capital to assets | 10.4686% | 1,853 |
| Core capital (leverage) ratio | 10.5673% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4614% | 2,063 |
| Memoranda: | ||
| Average total assets | $2,066,498,200 | 569 |
| Average earning assets | $1,915,372,600 | 559 |
| Average equity | $214,192,000 | 549 |
| Average total loans | $1,601,149,600 | 511 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9020% | 1,393 |
| Cost of funding earning assets | 2.1074% | 1,960 |
| Net interest margin | 3.7946% | 1,466 |
| Noninterest income to average assets | 0.4400% | 2,183 |
| Noninterest expense to average assets | 1.7941% | 3,938 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.7410% | 640 |
| Return on assets (ROA) | 1.7410% | 643 |
| Pretax return on assets | 2.1265% | 526 |
| Return on Equity (ROE) | 16.8400% | 706 |
| Retained earnings to average equity (ytd only) | 10.3425% | 774 |
| Net charge-offs to loans | 0.0162% | 2,071 |
| Credit loss provision to net charge-offs | 231.7460% | 996 |
| Earnings coverage of net charge-offs (x) | 172.2540% | 570 |
| Efficiency ratio | 44.3934% | 4,216 |
| Assets per employee ($millions) | 7.7438% | 1,670 |
| Cash dividends to net income (ytd only)* | 38.6005% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 2,984 |
| Loan loss allowance to noncurrent loans | 328.4303% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 2,044 |
| Noncurrent loans to loans | 0.3205% | 2,314 |
| Net loans and leases to total assets | 77.0700% | 988 |
| Net loans and leases to deposits | 90.7328% | 1,174 |
| Net loans and leases to core deposits | 105.6128% | 1,156 |
| Total domestic deposits to total assets | 84.9400% | 2,318 |
| Equity capital to assets | 10.6555% | 1,903 |
| Core capital (leverage) ratio | 10.8158% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8734% | 1,950 |
| Memoranda: | ||
| Average total assets | $2,013,731,750 | 578 |
| Average earning assets | $1,860,796,750 | 567 |
| Average equity | $208,132,500 | 556 |
| Average total loans | $1,552,851,500 | 516 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7905% | 1,473 |
| Cost of funding earning assets | 2.0796% | 1,927 |
| Net interest margin | 3.7110% | 1,577 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.7465% | 4,016 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.7332% | 644 |
| Return on assets (ROA) | 1.7332% | 644 |
| Pretax return on assets | 2.0821% | 571 |
| Return on Equity (ROE) | 16.9700% | 723 |
| Retained earnings to average equity (ytd only) | 7.7419% | 1,445 |
| Net charge-offs to loans | 0.0063% | 2,190 |
| Credit loss provision to net charge-offs | 244.6809% | 903 |
| Earnings coverage of net charge-offs (x) | 432.5106% | 284 |
| Efficiency ratio | 44.3822% | 4,234 |
| Assets per employee ($millions) | 7.7219% | 1,600 |
| Cash dividends to net income (ytd only)* | 54.3801% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 3,596 |
| Loan loss allowance to noncurrent loans | 314.9027% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 2,029 |
| Noncurrent loans to loans | 0.2939% | 2,316 |
| Net loans and leases to total assets | 76.8100% | 1,067 |
| Net loans and leases to deposits | 93.6909% | 961 |
| Net loans and leases to core deposits | 109.7606% | 981 |
| Total domestic deposits to total assets | 81.9900% | 3,082 |
| Equity capital to assets | 10.2811% | 1,918 |
| Core capital (leverage) ratio | 10.5942% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3446% | 2,122 |
| Memoranda: | ||
| Average total assets | $1,941,575,667 | 595 |
| Average earning assets | $1,789,130,667 | 589 |
| Average equity | $198,296,667 | 574 |
| Average total loans | $1,491,455,667 | 538 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7506% | 1,399 |
| Cost of funding earning assets | 2.0573% | 1,868 |
| Net interest margin | 3.6933% | 1,552 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 1.7400% | 4,040 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.7092% | 653 |
| Return on assets (ROA) | 1.7092% | 660 |
| Pretax return on assets | 2.0703% | 579 |
| Return on Equity (ROE) | 16.7900% | 745 |
| Retained earnings to average equity (ytd only) | 10.6886% | 960 |
| Net charge-offs to loans | 0.0092% | 1,747 |
| Credit loss provision to net charge-offs | 338.2353% | 621 |
| Earnings coverage of net charge-offs (x) | 297.4412% | 309 |
| Efficiency ratio | 44.2806% | 4,228 |
| Assets per employee ($millions) | 7.5894% | 1,702 |
| Cash dividends to net income (ytd only)* | 36.3460% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 3,532 |
| Loan loss allowance to noncurrent loans | 299.3836% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 1,882 |
| Noncurrent loans to loans | 0.3166% | 2,194 |
| Net loans and leases to total assets | 76.0600% | 1,061 |
| Net loans and leases to deposits | 91.7187% | 1,067 |
| Net loans and leases to core deposits | 107.1199% | 1,053 |
| Total domestic deposits to total assets | 82.9300% | 2,999 |
| Equity capital to assets | 10.2949% | 1,838 |
| Core capital (leverage) ratio | 10.4482% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3592% | 2,129 |
| Memoranda: | ||
| Average total assets | $1,931,687,500 | 606 |
| Average earning assets | $1,792,231,000 | 595 |
| Average equity | $196,620,500 | 582 |
| Average total loans | $1,476,862,000 | 545 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4356% | 1,248 |
| Cost of funding earning assets | 1.4626% | 2,043 |
| Net interest margin | 3.9730% | 1,248 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 1.7900% | 4,016 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.8045% | 607 |
| Return on assets (ROA) | 1.8045% | 586 |
| Pretax return on assets | 2.3192% | 423 |
| Return on Equity (ROE) | 18.0400% | 813 |
| Retained earnings to average equity (ytd only) | 5.2335% | 2,517 |
| Net charge-offs to loans | 0.0062% | 2,464 |
| Credit loss provision to net charge-offs | 1,186.2069% | 358 |
| Earnings coverage of net charge-offs (x) | 500.8506% | 293 |
| Efficiency ratio | 41.9008% | 4,318 |
| Assets per employee ($millions) | 7.4443% | 1,771 |
| Cash dividends to net income (ytd only)* | 70.9927% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 3,517 |
| Loan loss allowance to noncurrent loans | 325.2671% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 1,835 |
| Noncurrent loans to loans | 0.2934% | 2,125 |
| Net loans and leases to total assets | 75.3900% | 1,190 |
| Net loans and leases to deposits | 90.7568% | 1,211 |
| Net loans and leases to core deposits | 105.8915% | 1,116 |
| Total domestic deposits to total assets | 83.0700% | 2,875 |
| Equity capital to assets | 10.0620% | 1,970 |
| Core capital (leverage) ratio | 10.3286% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2442% | 2,155 |
| Memoranda: | ||
| Average total assets | $1,834,366,800 | 614 |
| Average earning assets | $1,705,016,800 | 607 |
| Average equity | $183,473,600 | 580 |
| Average total loans | $1,398,992,800 | 549 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3215% | 1,259 |
| Cost of funding earning assets | 1.3083% | 2,127 |
| Net interest margin | 4.0131% | 1,199 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 1.7923% | 3,996 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.8106% | 658 |
| Return on assets (ROA) | 1.8106% | 650 |
| Pretax return on assets | 2.3758% | 436 |
| Return on Equity (ROE) | 18.1300% | 933 |
| Retained earnings to average equity (ytd only) | 2.2797% | 3,669 |
| Net charge-offs to loans | 0.0061% | 2,224 |
| Credit loss provision to net charge-offs | 842.8571% | 447 |
| Earnings coverage of net charge-offs (x) | 520.6349% | 302 |
| Efficiency ratio | 41.5284% | 4,316 |
| Assets per employee ($millions) | 7.5672% | 1,589 |
| Cash dividends to net income (ytd only)* | 87.4268% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 3,583 |
| Loan loss allowance to noncurrent loans | 316.6160% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 1,861 |
| Noncurrent loans to loans | 0.2980% | 2,166 |
| Net loans and leases to total assets | 74.4800% | 1,295 |
| Net loans and leases to deposits | 90.2379% | 1,221 |
| Net loans and leases to core deposits | 105.5489% | 1,042 |
| Total domestic deposits to total assets | 82.5400% | 3,108 |
| Equity capital to assets | 9.7847% | 1,942 |
| Core capital (leverage) ratio | 10.0716% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8560% | 2,319 |
| Memoranda: | ||
| Average total assets | $1,810,940,250 | 625 |
| Average earning assets | $1,681,674,250 | 615 |
| Average equity | $180,841,250 | 583 |
| Average total loans | $1,381,841,250 | 555 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1879% | 1,228 |
| Cost of funding earning assets | 1.0640% | 2,406 |
| Net interest margin | 4.1240% | 1,046 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 1.8038% | 3,991 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.8960% | 562 |
| Return on assets (ROA) | 1.8960% | 556 |
| Pretax return on assets | 2.5005% | 361 |
| Return on Equity (ROE) | 18.8500% | 848 |
| Retained earnings to average equity (ytd only) | -5.1820% | 4,426 |
| Net charge-offs to loans | 0.0045% | 2,118 |
| Credit loss provision to net charge-offs | 754.8387% | 495 |
| Earnings coverage of net charge-offs (x) | 725.0000% | 204 |
| Efficiency ratio | 40.5981% | 4,376 |
| Assets per employee ($millions) | 7.1610% | 1,808 |
| Cash dividends to net income (ytd only)* | 127.4905% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 3,655 |
| Loan loss allowance to noncurrent loans | 318.9755% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 1,729 |
| Noncurrent loans to loans | 0.2951% | 2,081 |
| Net loans and leases to total assets | 76.4400% | 1,008 |
| Net loans and leases to deposits | 97.0440% | 668 |
| Net loans and leases to core deposits | 108.5929% | 886 |
| Total domestic deposits to total assets | 78.7700% | 3,753 |
| Equity capital to assets | 9.8118% | 1,971 |
| Core capital (leverage) ratio | 10.1459% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6257% | 2,423 |
| Memoranda: | ||
| Average total assets | $1,778,940,000 | 621 |
| Average earning assets | $1,649,676,333 | 610 |
| Average equity | $178,925,667 | 579 |
| Average total loans | $1,364,486,667 | 548 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0364% | 1,161 |
| Cost of funding earning assets | 0.8056% | 2,715 |
| Net interest margin | 4.2308% | 898 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 1.7938% | 4,039 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 2.0670% | 448 |
| Return on assets (ROA) | 2.0670% | 443 |
| Pretax return on assets | 2.7039% | 283 |
| Return on Equity (ROE) | 20.2900% | 728 |
| Retained earnings to average equity (ytd only) | -22.2120% | 4,604 |
| Net charge-offs to loans | 0.0048% | 1,792 |
| Credit loss provision to net charge-offs | 325.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 744.8750% | 153 |
| Efficiency ratio | 38.7569% | 4,473 |
| Assets per employee ($millions) | 7.0755% | 1,920 |
| Cash dividends to net income (ytd only)* | 209.4587% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 3,645 |
| Loan loss allowance to noncurrent loans | 295.4874% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 1,523 |
| Noncurrent loans to loans | 0.3274% | 1,974 |
| Net loans and leases to total assets | 75.4900% | 1,021 |
| Net loans and leases to deposits | 93.0898% | 845 |
| Net loans and leases to core deposits | 101.6016% | 1,020 |
| Total domestic deposits to total assets | 81.0900% | 3,624 |
| Equity capital to assets | 9.8023% | 1,932 |
| Core capital (leverage) ratio | 10.1441% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2389% | 2,285 |
| Memoranda: | ||
| Average total assets | $1,755,386,000 | 639 |
| Average earning assets | $1,626,545,500 | 629 |
| Average equity | $178,804,500 | 589 |
| Average total loans | $1,342,201,000 | 566 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 1,457 |
| Cost of funding earning assets | 0.4337% | 1,834 |
| Net interest margin | 3.6759% | 1,439 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.8308% | 3,968 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5675% | 747 |
| Return on assets (ROA) | 1.5674% | 708 |
| Pretax return on assets | 2.0182% | 463 |
| Return on Equity (ROE) | 15.3100% | 1,183 |
| Retained earnings to average equity (ytd only) | 9.1376% | 1,443 |
| Net charge-offs to loans | -0.0858% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.7839% | 4,356 |
| Assets per employee ($millions) | 6.9116% | 2,034 |
| Cash dividends to net income (ytd only)* | 40.3300% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 3,463 |
| Loan loss allowance to noncurrent loans | 326.0924% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 1,535 |
| Noncurrent loans to loans | 0.3010% | 2,059 |
| Net loans and leases to total assets | 75.9500% | 1,013 |
| Net loans and leases to deposits | 92.7281% | 868 |
| Net loans and leases to core deposits | 100.2522% | 993 |
| Total domestic deposits to total assets | 81.9100% | 3,643 |
| Equity capital to assets | 10.5789% | 1,416 |
| Core capital (leverage) ratio | 10.6951% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2327% | 1,878 |
| Memoranda: | ||
| Average total assets | $1,724,299,600 | 630 |
| Average earning assets | $1,593,608,600 | 620 |
| Average equity | $176,490,000 | 586 |
| Average total loans | $1,271,722,200 | 551 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8785% | 1,535 |
| Cost of funding earning assets | 0.3806% | 1,433 |
| Net interest margin | 3.4978% | 1,669 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.8420% | 3,895 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.4395% | 981 |
| Return on assets (ROA) | 1.4393% | 957 |
| Pretax return on assets | 1.8721% | 627 |
| Return on Equity (ROE) | 14.1800% | 1,377 |
| Retained earnings to average equity (ytd only) | 11.0155% | 1,050 |
| Net charge-offs to loans | -0.1203% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.1388% | 4,265 |
| Assets per employee ($millions) | 6.8852% | 2,034 |
| Cash dividends to net income (ytd only)* | 22.3286% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,598 |
| Loan loss allowance to noncurrent loans | 297.1008% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 1,660 |
| Noncurrent loans to loans | 0.3278% | 2,058 |
| Net loans and leases to total assets | 72.1200% | 1,283 |
| Net loans and leases to deposits | 87.4682% | 1,069 |
| Net loans and leases to core deposits | 94.5620% | 1,062 |
| Total domestic deposits to total assets | 82.4600% | 3,761 |
| Equity capital to assets | 10.2777% | 1,475 |
| Core capital (leverage) ratio | 10.6177% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2308% | 1,968 |
| Memoranda: | ||
| Average total assets | $1,721,669,750 | 632 |
| Average earning assets | $1,590,732,750 | 623 |
| Average equity | $174,731,500 | 599 |
| Average total loans | $1,256,987,750 | 550 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 1,464 |
| Cost of funding earning assets | 0.3612% | 1,185 |
| Net interest margin | 3.3710% | 1,685 |
| Noninterest income to average assets | 0.4931% | 2,243 |
| Noninterest expense to average assets | 1.8461% | 3,845 |
| Loan and lease loss provision to assets | 0.0208% | 2,228 |
| Net operating income to assets | 1.3666% | 985 |
| Return on assets (ROA) | 1.3664% | 965 |
| Pretax return on assets | 1.7370% | 690 |
| Return on Equity (ROE) | 13.5222% | 1,236 |
| Retained earnings to average equity (ytd only) | 9.5822% | 1,122 |
| Net charge-offs to loans | -0.1859% | 4,581 |
| Credit loss provision to net charge-offs | -15.3448% | 2,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8993% | 4,253 |
| Assets per employee ($millions) | 6.4380% | 2,359 |
| Cash dividends to net income (ytd only)* | 29.1370% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 3,642 |
| Loan loss allowance to noncurrent loans | 367.9295% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 1,863 |
| Noncurrent loans to loans | 0.2691% | 2,401 |
| Net loans and leases to total assets | 73.9903% | 921 |
| Net loans and leases to deposits | 88.9721% | 776 |
| Net loans and leases to core deposits | 96.3932% | 812 |
| Total domestic deposits to total assets | 83.1612% | 3,850 |
| Equity capital to assets | 10.3697% | 1,498 |
| Core capital (leverage) ratio | 10.2507% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0968% | 2,019 |
| Memoranda: | ||
| Average total assets | $1,708,023,667 | 634 |
| Average earning assets | $1,576,339,667 | 630 |
| Average equity | $172,590,000 | 614 |
| Average total loans | $1,248,058,333 | 545 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6379% | 1,405 |
| Cost of funding earning assets | 0.3531% | 1,172 |
| Net interest margin | 3.2848% | 1,605 |
| Noninterest income to average assets | 0.3854% | 2,781 |
| Noninterest expense to average assets | 1.8307% | 3,865 |
| Loan and lease loss provision to assets | 0.0392% | 1,654 |
| Net operating income to assets | 1.2419% | 1,137 |
| Return on assets (ROA) | 1.2419% | 1,124 |
| Pretax return on assets | 1.5478% | 924 |
| Return on Equity (ROE) | 12.4515% | 1,180 |
| Retained earnings to average equity (ytd only) | 6.8406% | 1,941 |
| Net charge-offs to loans | 0.0610% | 704 |
| Credit loss provision to net charge-offs | 88.8889% | 1,083 |
| Earnings coverage of net charge-offs (x) | 36.0106% | 1,050 |
| Efficiency ratio | 52.1867% | 4,189 |
| Assets per employee ($millions) | 6.5625% | 2,331 |
| Cash dividends to net income (ytd only)* | 45.0620% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 4,099 |
| Loan loss allowance to noncurrent loans | 279.8547% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 1,772 |
| Noncurrent loans to loans | 0.3134% | 2,342 |
| Net loans and leases to total assets | 73.4092% | 708 |
| Net loans and leases to deposits | 86.8030% | 687 |
| Net loans and leases to core deposits | 94.3381% | 721 |
| Total domestic deposits to total assets | 84.5699% | 3,644 |
| Equity capital to assets | 9.9939% | 1,891 |
| Core capital (leverage) ratio | 9.8666% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7869% | 1,877 |
| Memoranda: | ||
| Average total assets | $1,715,441,000 | 630 |
| Average earning assets | $1,583,545,500 | 630 |
| Average equity | $171,096,000 | 635 |
| Average total loans | $1,239,426,000 | 544 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 1,783 |
| Cost of funding earning assets | 0.4692% | 1,065 |
| Net interest margin | 3.3659% | 2,127 |
| Noninterest income to average assets | 0.4495% | 2,821 |
| Noninterest expense to average assets | 1.8802% | 3,970 |
| Loan and lease loss provision to assets | 0.0237% | 2,594 |
| Net operating income to assets | 1.2751% | 1,676 |
| Return on assets (ROA) | 1.2751% | 1,735 |
| Pretax return on assets | 1.6679% | 1,221 |
| Return on Equity (ROE) | 13.1060% | 1,427 |
| Retained earnings to average equity (ytd only) | 9.8553% | 956 |
| Net charge-offs to loans | 0.0095% | 2,216 |
| Credit loss provision to net charge-offs | 347.3684% | 994 |
| Earnings coverage of net charge-offs (x) | 247.9737% | 467 |
| Efficiency ratio | 51.2540% | 4,181 |
| Assets per employee ($millions) | 6.4342% | 2,384 |
| Cash dividends to net income (ytd only)* | 24.8029% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 3,995 |
| Loan loss allowance to noncurrent loans | 232.5712% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 1,580 |
| Noncurrent loans to loans | 0.3991% | 2,158 |
| Net loans and leases to total assets | 69.7814% | 1,069 |
| Net loans and leases to deposits | 82.4294% | 1,022 |
| Net loans and leases to core deposits | 90.4952% | 951 |
| Total domestic deposits to total assets | 84.6560% | 3,375 |
| Equity capital to assets | 9.9538% | 2,696 |
| Core capital (leverage) ratio | 9.8508% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2294% | 2,150 |
| Memoranda: | ||
| Average total assets | $1,671,135,400 | 625 |
| Average earning assets | $1,550,174,800 | 620 |
| Average equity | $162,582,600 | 668 |
| Average total loans | $1,201,806,800 | 561 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 1,662 |
| Cost of funding earning assets | 0.4964% | 1,064 |
| Net interest margin | 3.4456% | 2,024 |
| Noninterest income to average assets | 0.4474% | 2,850 |
| Noninterest expense to average assets | 1.8907% | 3,968 |
| Loan and lease loss provision to assets | 0.0318% | 2,360 |
| Net operating income to assets | 1.3333% | 1,729 |
| Return on assets (ROA) | 1.3333% | 1,784 |
| Pretax return on assets | 1.7247% | 1,349 |
| Return on Equity (ROE) | 13.7871% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.0606% | 1,053 |
| Net charge-offs to loans | -0.0122% | 3,755 |
| Credit loss provision to net charge-offs | -360.0000% | 3,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4743% | 4,180 |
| Assets per employee ($millions) | 6.2937% | 2,429 |
| Cash dividends to net income (ytd only)* | 19.7761% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 3,916 |
| Loan loss allowance to noncurrent loans | 210.1639% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 1,503 |
| Noncurrent loans to loans | 0.4659% | 2,162 |
| Net loans and leases to total assets | 67.6767% | 1,355 |
| Net loans and leases to deposits | 79.9161% | 1,297 |
| Net loans and leases to core deposits | 87.7784% | 1,164 |
| Total domestic deposits to total assets | 84.6848% | 3,228 |
| Equity capital to assets | 9.8440% | 3,062 |
| Core capital (leverage) ratio | 9.8015% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9337% | 1,638 |
| Memoranda: | ||
| Average total assets | $1,661,043,250 | 632 |
| Average earning assets | $1,542,518,000 | 628 |
| Average equity | $160,638,500 | 681 |
| Average total loans | $1,200,883,250 | 575 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 1,584 |
| Cost of funding earning assets | 0.5319% | 1,024 |
| Net interest margin | 3.4597% | 1,974 |
| Noninterest income to average assets | 0.4468% | 2,863 |
| Noninterest expense to average assets | 1.8997% | 3,967 |
| Loan and lease loss provision to assets | 0.0481% | 2,064 |
| Net operating income to assets | 1.3292% | 1,774 |
| Return on assets (ROA) | 1.3292% | 1,840 |
| Pretax return on assets | 1.7060% | 1,464 |
| Return on Equity (ROE) | 13.8302% | 1,463 |
| Retained earnings to average equity (ytd only) | 9.6777% | 1,502 |
| Net charge-offs to loans | -0.0203% | 4,000 |
| Credit loss provision to net charge-offs | -321.9512% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6185% | 4,183 |
| Assets per employee ($millions) | 5.9675% | 2,652 |
| Cash dividends to net income (ytd only)* | 30.0247% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 3,983 |
| Loan loss allowance to noncurrent loans | 184.2309% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 1,065 |
| Noncurrent loans to loans | 0.5178% | 2,120 |
| Net loans and leases to total assets | 71.7643% | 1,000 |
| Net loans and leases to deposits | 84.4830% | 1,028 |
| Net loans and leases to core deposits | 93.7519% | 913 |
| Total domestic deposits to total assets | 84.9452% | 3,121 |
| Equity capital to assets | 9.8180% | 3,038 |
| Core capital (leverage) ratio | 9.5303% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1963% | 2,293 |
| Memoranda: | ||
| Average total assets | $1,646,195,000 | 628 |
| Average earning assets | $1,525,927,333 | 624 |
| Average equity | $158,218,667 | 683 |
| Average total loans | $1,212,611,000 | 569 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 1,770 |
| Cost of funding earning assets | 0.5679% | 1,014 |
| Net interest margin | 3.3582% | 2,223 |
| Noninterest income to average assets | 0.4670% | 2,771 |
| Noninterest expense to average assets | 1.8970% | 3,989 |
| Loan and lease loss provision to assets | 0.0709% | 1,741 |
| Net operating income to assets | 1.2885% | 1,864 |
| Return on assets (ROA) | 1.2885% | 1,934 |
| Pretax return on assets | 1.6107% | 1,695 |
| Return on Equity (ROE) | 13.5534% | 1,525 |
| Retained earnings to average equity (ytd only) | 7.0610% | 2,560 |
| Net charge-offs to loans | 0.0118% | 1,513 |
| Credit loss provision to net charge-offs | 808.3333% | 470 |
| Earnings coverage of net charge-offs (x) | 191.8333% | 412 |
| Efficiency ratio | 51.5888% | 4,040 |
| Assets per employee ($millions) | 6.1049% | 2,489 |
| Cash dividends to net income (ytd only)* | 47.9025% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 4,067 |
| Loan loss allowance to noncurrent loans | 93.7516% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 643 |
| Noncurrent loans to loans | 0.9959% | 1,351 |
| Net loans and leases to total assets | 70.8106% | 1,178 |
| Net loans and leases to deposits | 83.0663% | 1,238 |
| Net loans and leases to core deposits | 92.7630% | 1,058 |
| Total domestic deposits to total assets | 85.2459% | 3,014 |
| Equity capital to assets | 9.4153% | 3,278 |
| Core capital (leverage) ratio | 9.3481% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3540% | 2,138 |
| Memoranda: | ||
| Average total assets | $1,642,793,000 | 621 |
| Average earning assets | $1,522,118,500 | 622 |
| Average equity | $156,182,000 | 685 |
| Average total loans | $1,220,072,000 | 563 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 1,266 |
| Cost of funding earning assets | 0.8471% | 1,027 |
| Net interest margin | 3.6702% | 1,909 |
| Noninterest income to average assets | 0.4285% | 2,968 |
| Noninterest expense to average assets | 2.1145% | 3,904 |
| Loan and lease loss provision to assets | 0.1273% | 2,769 |
| Net operating income to assets | 1.2252% | 1,463 |
| Return on assets (ROA) | 1.2253% | 1,574 |
| Pretax return on assets | 1.5734% | 1,125 |
| Return on Equity (ROE) | 12.6166% | 1,145 |
| Retained earnings to average equity (ytd only) | 2.8585% | 3,441 |
| Net charge-offs to loans | 0.0145% | 2,833 |
| Credit loss provision to net charge-offs | 1,119.2982% | 719 |
| Earnings coverage of net charge-offs (x) | 149.5263% | 575 |
| Efficiency ratio | 54.0462% | 4,207 |
| Assets per employee ($millions) | 5.6591% | 2,678 |
| Cash dividends to net income (ytd only)* | 77.3435% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,257 |
| Loan loss allowance to noncurrent loans | 74.9639% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.4781% | 503 |
| Noncurrent loans to loans | 1.1692% | 1,215 |
| Net loans and leases to total assets | 76.4857% | 737 |
| Net loans and leases to deposits | 91.2876% | 835 |
| Net loans and leases to core deposits | 102.0097% | 814 |
| Total domestic deposits to total assets | 83.7854% | 3,173 |
| Equity capital to assets | 9.6023% | 3,513 |
| Core capital (leverage) ratio | 9.6421% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3539% | 2,503 |
| Memoranda: | ||
| Average total assets | $1,503,569,400 | 613 |
| Average earning assets | $1,387,360,000 | 607 |
| Average equity | $146,022,400 | 690 |
| Average total loans | $1,178,096,000 | 555 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 1,004 |
| Cost of funding earning assets | 0.9245% | 982 |
| Net interest margin | 3.8027% | 1,614 |
| Noninterest income to average assets | 0.4016% | 3,070 |
| Noninterest expense to average assets | 2.1655% | 3,762 |
| Loan and lease loss provision to assets | 0.1507% | 2,515 |
| Net operating income to assets | 1.2246% | 1,565 |
| Return on assets (ROA) | 1.2248% | 1,682 |
| Pretax return on assets | 1.5922% | 1,209 |
| Return on Equity (ROE) | 12.5727% | 1,228 |
| Retained earnings to average equity (ytd only) | 1.2164% | 4,176 |
| Net charge-offs to loans | 0.0111% | 2,707 |
| Credit loss provision to net charge-offs | 1,720.6186% | 551 |
| Earnings coverage of net charge-offs (x) | 198.9278% | 495 |
| Efficiency ratio | 54.0383% | 4,142 |
| Assets per employee ($millions) | 5.4451% | 2,758 |
| Cash dividends to net income (ytd only)* | 90.3252% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 4,105 |
| Loan loss allowance to noncurrent loans | 73.4455% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 552 |
| Noncurrent loans to loans | 1.2101% | 1,255 |
| Net loans and leases to total assets | 76.8858% | 976 |
| Net loans and leases to deposits | 92.3830% | 1,041 |
| Net loans and leases to core deposits | 102.9731% | 984 |
| Total domestic deposits to total assets | 83.2250% | 3,082 |
| Equity capital to assets | 9.7730% | 3,457 |
| Core capital (leverage) ratio | 9.4116% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2590% | 2,511 |
| Memoranda: | ||
| Average total assets | $1,476,253,000 | 606 |
| Average earning assets | $1,361,318,500 | 604 |
| Average equity | $143,810,500 | 693 |
| Average total loans | $1,161,496,000 | 551 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 911 |
| Cost of funding earning assets | 0.9865% | 1,027 |
| Net interest margin | 3.9520% | 1,441 |
| Noninterest income to average assets | 0.3977% | 3,093 |
| Noninterest expense to average assets | 2.1861% | 3,833 |
| Loan and lease loss provision to assets | 0.1668% | 2,337 |
| Net operating income to assets | 1.2842% | 1,403 |
| Return on assets (ROA) | 1.2844% | 1,516 |
| Pretax return on assets | 1.6874% | 1,026 |
| Return on Equity (ROE) | 13.2000% | 1,056 |
| Retained earnings to average equity (ytd only) | -4.1726% | 4,737 |
| Net charge-offs to loans | 0.0058% | 2,757 |
| Credit loss provision to net charge-offs | 3,663.6364% | 301 |
| Earnings coverage of net charge-offs (x) | 407.0909% | 249 |
| Efficiency ratio | 52.7344% | 4,297 |
| Assets per employee ($millions) | 5.4770% | 2,662 |
| Cash dividends to net income (ytd only)* | 131.6106% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 4,194 |
| Loan loss allowance to noncurrent loans | 69.1290% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.5544% | 588 |
| Noncurrent loans to loans | 1.2271% | 1,277 |
| Net loans and leases to total assets | 77.1630% | 972 |
| Net loans and leases to deposits | 92.2498% | 1,131 |
| Net loans and leases to core deposits | 103.7464% | 1,017 |
| Total domestic deposits to total assets | 83.6457% | 2,869 |
| Equity capital to assets | 9.4533% | 3,701 |
| Core capital (leverage) ratio | 9.1955% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0719% | 2,577 |
| Memoranda: | ||
| Average total assets | $1,449,235,333 | 607 |
| Average earning assets | $1,335,681,333 | 598 |
| Average equity | $141,015,667 | 694 |
| Average total loans | $1,145,966,667 | 551 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1360% | 748 |
| Cost of funding earning assets | 1.0918% | 1,075 |
| Net interest margin | 4.0443% | 1,272 |
| Noninterest income to average assets | 0.4352% | 2,880 |
| Noninterest expense to average assets | 2.2554% | 3,873 |
| Loan and lease loss provision to assets | 0.1306% | 2,087 |
| Net operating income to assets | 1.4134% | 950 |
| Return on assets (ROA) | 1.4134% | 1,027 |
| Pretax return on assets | 1.7753% | 738 |
| Return on Equity (ROE) | 14.2969% | 647 |
| Retained earnings to average equity (ytd only) | -18.9665% | 4,950 |
| Net charge-offs to loans | 0.0469% | 1,549 |
| Credit loss provision to net charge-offs | 349.2308% | 1,081 |
| Earnings coverage of net charge-offs (x) | 50.9692% | 887 |
| Efficiency ratio | 52.9204% | 4,480 |
| Assets per employee ($millions) | 5.3436% | 2,280 |
| Cash dividends to net income (ytd only)* | 232.6618% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 4,402 |
| Loan loss allowance to noncurrent loans | 64.5403% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.6603% | 602 |
| Noncurrent loans to loans | 1.2455% | 1,306 |
| Net loans and leases to total assets | 78.2696% | 936 |
| Net loans and leases to deposits | 93.2853% | 1,151 |
| Net loans and leases to core deposits | 106.4432% | 1,031 |
| Total domestic deposits to total assets | 83.9035% | 2,815 |
| Equity capital to assets | 9.5833% | 4,147 |
| Core capital (leverage) ratio | 9.1936% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9010% | 2,752 |
| Memoranda: | ||
| Average total assets | $1,390,641,500 | 607 |
| Average earning assets | $1,281,223,500 | 601 |
| Average equity | $137,484,500 | 705 |
| Average total loans | $1,109,430,000 | 544 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0187% | 1,427 |
| Cost of funding earning assets | 1.2074% | 1,012 |
| Net interest margin | 3.8113% | 2,467 |
| Noninterest income to average assets | 0.4803% | 2,852 |
| Noninterest expense to average assets | 2.1805% | 4,200 |
| Loan and lease loss provision to assets | 0.1157% | 1,825 |
| Net operating income to assets | 1.3033% | 1,680 |
| Return on assets (ROA) | 1.3058% | 1,747 |
| Pretax return on assets | 1.6941% | 1,202 |
| Return on Equity (ROE) | 13.4866% | 1,015 |
| Retained earnings to average equity (ytd only) | 9.9663% | 497 |
| Net charge-offs to loans | 0.1005% | 1,723 |
| Credit loss provision to net charge-offs | 146.6601% | 1,752 |
| Earnings coverage of net charge-offs (x) | 22.9106% | 1,832 |
| Efficiency ratio | 53.6039% | 4,460 |
| Assets per employee ($millions) | 5.0995% | 2,455 |
| Cash dividends to net income (ytd only)* | 26.1019% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 4,041 |
| Loan loss allowance to noncurrent loans | 84.2773% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.6584% | 569 |
| Noncurrent loans to loans | 1.0475% | 1,445 |
| Net loans and leases to total assets | 80.0831% | 773 |
| Net loans and leases to deposits | 95.9489% | 946 |
| Net loans and leases to core deposits | 113.3088% | 698 |
| Total domestic deposits to total assets | 83.4643% | 3,039 |
| Equity capital to assets | 10.2393% | 3,687 |
| Core capital (leverage) ratio | 10.1060% | 3,407 |
| Tier 1 risk-based capital ratio | 12.6998% | 3,948 |
| Total risk-based capital ratio | 13.6155% | 4,014 |
| Memoranda: | ||
| Average total assets | $1,290,948,800 | 619 |
| Average earning assets | $1,187,838,600 | 610 |
| Average equity | $124,990,800 | 731 |
| Average total loans | $1,012,839,200 | 567 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9877% | 1,570 |
| Cost of funding earning assets | 1.2138% | 999 |
| Net interest margin | 3.7739% | 2,670 |
| Noninterest income to average assets | 0.4844% | 2,829 |
| Noninterest expense to average assets | 2.2157% | 4,156 |
| Loan and lease loss provision to assets | 0.1161% | 1,681 |
| Net operating income to assets | 1.2464% | 2,027 |
| Return on assets (ROA) | 1.2496% | 2,096 |
| Pretax return on assets | 1.6259% | 1,542 |
| Return on Equity (ROE) | 13.0938% | 1,247 |
| Retained earnings to average equity (ytd only) | 10.4995% | 626 |
| Net charge-offs to loans | 0.0688% | 1,845 |
| Credit loss provision to net charge-offs | 216.7630% | 1,235 |
| Earnings coverage of net charge-offs (x) | 32.4568% | 1,561 |
| Efficiency ratio | 54.9539% | 4,287 |
| Assets per employee ($millions) | 5.2285% | 2,305 |
| Cash dividends to net income (ytd only)* | 19.8134% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 4,096 |
| Loan loss allowance to noncurrent loans | 88.6938% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.5757% | 668 |
| Noncurrent loans to loans | 1.0016% | 1,592 |
| Net loans and leases to total assets | 78.0956% | 1,127 |
| Net loans and leases to deposits | 96.8660% | 917 |
| Net loans and leases to core deposits | 114.8604% | 714 |
| Total domestic deposits to total assets | 80.6223% | 3,844 |
| Equity capital to assets | 9.7025% | 4,288 |
| Core capital (leverage) ratio | 9.7675% | 3,890 |
| Tier 1 risk-based capital ratio | 12.4489% | 4,175 |
| Total risk-based capital ratio | 13.3801% | 4,242 |
| Memoranda: | ||
| Average total assets | $1,292,415,250 | 620 |
| Average earning assets | $1,188,069,500 | 613 |
| Average equity | $123,342,500 | 735 |
| Average total loans | $1,006,474,000 | 570 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 1,460 |
| Cost of funding earning assets | 1.2030% | 985 |
| Net interest margin | 3.8064% | 2,568 |
| Noninterest income to average assets | 0.4793% | 2,787 |
| Noninterest expense to average assets | 2.2008% | 4,219 |
| Loan and lease loss provision to assets | 0.1182% | 1,582 |
| Net operating income to assets | 1.2655% | 1,892 |
| Return on assets (ROA) | 1.2704% | 1,943 |
| Pretax return on assets | 1.6620% | 1,359 |
| Return on Equity (ROE) | 13.3887% | 1,126 |
| Retained earnings to average equity (ytd only) | 10.4259% | 648 |
| Net charge-offs to loans | 0.0818% | 1,539 |
| Credit loss provision to net charge-offs | 186.4532% | 1,284 |
| Earnings coverage of net charge-offs (x) | 27.9754% | 1,523 |
| Efficiency ratio | 54.2772% | 4,440 |
| Assets per employee ($millions) | 5.1380% | 2,316 |
| Cash dividends to net income (ytd only)* | 22.1293% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 4,175 |
| Loan loss allowance to noncurrent loans | 101.7443% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.5992% | 676 |
| Noncurrent loans to loans | 0.8619% | 1,882 |
| Net loans and leases to total assets | 78.9308% | 1,052 |
| Net loans and leases to deposits | 95.8092% | 1,060 |
| Net loans and leases to core deposits | 112.7993% | 831 |
| Total domestic deposits to total assets | 82.3834% | 3,410 |
| Equity capital to assets | 9.6817% | 4,245 |
| Core capital (leverage) ratio | 9.6715% | 3,961 |
| Tier 1 risk-based capital ratio | 11.9703% | 4,434 |
| Total risk-based capital ratio | 12.8665% | 4,518 |
| Memoranda: | ||
| Average total assets | $1,280,537,000 | 624 |
| Average earning assets | $1,175,917,330 | 620 |
| Average equity | $121,505,330 | 738 |
| Average total loans | $993,150,670 | 579 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 1,641 |
| Cost of funding earning assets | 1.1848% | 945 |
| Net interest margin | 3.6982% | 2,896 |
| Noninterest income to average assets | 0.4187% | 3,061 |
| Noninterest expense to average assets | 2.1690% | 4,335 |
| Loan and lease loss provision to assets | 0.1219% | 1,439 |
| Net operating income to assets | 1.1762% | 2,148 |
| Return on assets (ROA) | 1.1861% | 2,156 |
| Pretax return on assets | 1.5407% | 1,638 |
| Return on Equity (ROE) | 12.6309% | 1,349 |
| Retained earnings to average equity (ytd only) | 8.6168% | 1,442 |
| Net charge-offs to loans | -0.0045% | 3,997 |
| Credit loss provision to net charge-offs | -3,527.2727% | 4,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6506% | 4,377 |
| Assets per employee ($millions) | 5.0657% | 2,441 |
| Cash dividends to net income (ytd only)* | 31.7797% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 4,014 |
| Loan loss allowance to noncurrent loans | 95.9054% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.7180% | 638 |
| Noncurrent loans to loans | 0.9775% | 1,712 |
| Net loans and leases to total assets | 75.8301% | 1,521 |
| Net loans and leases to deposits | 89.9201% | 1,641 |
| Net loans and leases to core deposits | 105.1039% | 1,236 |
| Total domestic deposits to total assets | 84.3305% | 2,936 |
| Equity capital to assets | 9.5714% | 4,191 |
| Core capital (leverage) ratio | 9.3520% | 4,316 |
| Tier 1 risk-based capital ratio | 12.2385% | 4,330 |
| Total risk-based capital ratio | 13.1902% | 4,389 |
| Memoranda: | ||
| Average total assets | $1,273,416,500 | 629 |
| Average earning assets | $1,170,843,500 | 627 |
| Average equity | $119,580,000 | 745 |
| Average total loans | $974,216,000 | 591 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9766% | 1,104 |
| Cost of funding earning assets | 0.8595% | 1,266 |
| Net interest margin | 4.1172% | 1,628 |
| Noninterest income to average assets | 0.4018% | 3,426 |
| Noninterest expense to average assets | 2.3449% | 4,011 |
| Loan and lease loss provision to assets | 0.1576% | 1,314 |
| Net operating income to assets | 1.2788% | 1,883 |
| Return on assets (ROA) | 1.2773% | 1,883 |
| Pretax return on assets | 1.6588% | 1,282 |
| Return on Equity (ROE) | 13.4244% | 1,202 |
| Retained earnings to average equity (ytd only) | 0.0349% | 4,979 |
| Net charge-offs to loans | 0.2166% | 890 |
| Credit loss provision to net charge-offs | 94.7719% | 2,646 |
| Earnings coverage of net charge-offs (x) | 10.9349% | 2,670 |
| Efficiency ratio | 54.8784% | 4,532 |
| Assets per employee ($millions) | 5.1608% | 2,316 |
| Cash dividends to net income (ytd only)* | 99.7398% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,217 |
| Loan loss allowance to noncurrent loans | 112.7108% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.5888% | 714 |
| Noncurrent loans to loans | 0.7875% | 2,041 |
| Net loans and leases to total assets | 75.8140% | 1,644 |
| Net loans and leases to deposits | 88.9900% | 1,929 |
| Net loans and leases to core deposits | 105.1626% | 1,330 |
| Total domestic deposits to total assets | 85.1938% | 2,560 |
| Equity capital to assets | 9.2652% | 4,357 |
| Core capital (leverage) ratio | 9.4833% | 4,129 |
| Tier 1 risk-based capital ratio | 12.1296% | 4,337 |
| Total risk-based capital ratio | 13.0493% | 4,444 |
| Memoranda: | ||
| Average total assets | $1,173,341,200 | 655 |
| Average earning assets | $1,071,930,800 | 659 |
| Average equity | $111,640,200 | 767 |
| Average total loans | $900,899,800 | 613 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 947 |
| Cost of funding earning assets | 0.7996% | 1,341 |
| Net interest margin | 4.1978% | 1,363 |
| Noninterest income to average assets | 0.3859% | 3,563 |
| Noninterest expense to average assets | 2.3816% | 3,895 |
| Loan and lease loss provision to assets | 0.1615% | 1,190 |
| Net operating income to assets | 1.2918% | 1,895 |
| Return on assets (ROA) | 1.2896% | 1,901 |
| Pretax return on assets | 1.6659% | 1,363 |
| Return on Equity (ROE) | 13.4550% | 1,282 |
| Retained earnings to average equity (ytd only) | -3.9512% | 5,281 |
| Net charge-offs to loans | 0.3298% | 507 |
| Credit loss provision to net charge-offs | 63.7156% | 2,703 |
| Earnings coverage of net charge-offs (x) | 7.2207% | 2,822 |
| Efficiency ratio | 55.0602% | 4,502 |
| Assets per employee ($millions) | 4.7861% | 2,741 |
| Cash dividends to net income (ytd only)* | 129.3662% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 4,437 |
| Loan loss allowance to noncurrent loans | 88.6537% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.8009% | 645 |
| Noncurrent loans to loans | 0.9657% | 1,758 |
| Net loans and leases to total assets | 76.8188% | 1,529 |
| Net loans and leases to deposits | 92.2203% | 1,592 |
| Net loans and leases to core deposits | 106.3594% | 1,284 |
| Total domestic deposits to total assets | 83.2992% | 3,198 |
| Equity capital to assets | 9.5417% | 4,038 |
| Core capital (leverage) ratio | 9.3991% | 4,280 |
| Tier 1 risk-based capital ratio | 12.4118% | 4,246 |
| Total risk-based capital ratio | 13.3131% | 4,351 |
| Memoranda: | ||
| Average total assets | $1,146,708,750 | 664 |
| Average earning assets | $1,045,116,750 | 674 |
| Average equity | $109,904,750 | 775 |
| Average total loans | $881,372,000 | 624 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 1,111 |
| Cost of funding earning assets | 0.7436% | 1,410 |
| Net interest margin | 4.1144% | 1,513 |
| Noninterest income to average assets | 0.3635% | 3,721 |
| Noninterest expense to average assets | 2.4410% | 3,795 |
| Loan and lease loss provision to assets | 0.1537% | 1,227 |
| Net operating income to assets | 1.1839% | 2,262 |
| Return on assets (ROA) | 1.1806% | 2,277 |
| Pretax return on assets | 1.5100% | 1,780 |
| Return on Equity (ROE) | 12.2982% | 1,619 |
| Retained earnings to average equity (ytd only) | -10.1610% | 5,419 |
| Net charge-offs to loans | 0.4411% | 347 |
| Credit loss provision to net charge-offs | 45.4593% | 2,519 |
| Earnings coverage of net charge-offs (x) | 4.9333% | 2,754 |
| Efficiency ratio | 58.3664% | 4,175 |
| Assets per employee ($millions) | 4.7389% | 2,768 |
| Cash dividends to net income (ytd only)* | 182.6218% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 4,591 |
| Loan loss allowance to noncurrent loans | 72.7503% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 2.0606% | 510 |
| Noncurrent loans to loans | 1.1469% | 1,528 |
| Net loans and leases to total assets | 77.4705% | 1,399 |
| Net loans and leases to deposits | 91.6407% | 1,630 |
| Net loans and leases to core deposits | 104.1129% | 1,389 |
| Total domestic deposits to total assets | 84.5372% | 2,854 |
| Equity capital to assets | 9.5113% | 4,088 |
| Core capital (leverage) ratio | 9.3930% | 4,256 |
| Tier 1 risk-based capital ratio | 12.1599% | 4,396 |
| Total risk-based capital ratio | 13.0243% | 4,516 |
| Memoranda: | ||
| Average total assets | $1,126,908,670 | 677 |
| Average earning assets | $1,025,864,000 | 686 |
| Average equity | $108,178,670 | 786 |
| Average total loans | $863,656,330 | 637 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9217% | 828 |
| Cost of funding earning assets | 0.7027% | 1,425 |
| Net interest margin | 4.2190% | 1,134 |
| Noninterest income to average assets | 0.4809% | 2,931 |
| Noninterest expense to average assets | 2.4760% | 3,726 |
| Loan and lease loss provision to assets | 0.1800% | 954 |
| Net operating income to assets | 1.2970% | 1,651 |
| Return on assets (ROA) | 1.2900% | 1,678 |
| Pretax return on assets | 1.6526% | 1,235 |
| Return on Equity (ROE) | 13.3697% | 1,168 |
| Retained earnings to average equity (ytd only) | -28.2494% | 5,550 |
| Net charge-offs to loans | 0.8372% | 172 |
| Credit loss provision to net charge-offs | 28.3496% | 2,079 |
| Earnings coverage of net charge-offs (x) | 2.8999% | 2,426 |
| Efficiency ratio | 56.3346% | 4,539 |
| Assets per employee ($millions) | 4.8389% | 2,692 |
| Cash dividends to net income (ytd only)* | 311.2935% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8270% | 4,715 |
| Loan loss allowance to noncurrent loans | 72.7957% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 2.1849% | 484 |
| Noncurrent loans to loans | 1.1360% | 1,612 |
| Net loans and leases to total assets | 74.8070% | 1,741 |
| Net loans and leases to deposits | 90.3686% | 1,648 |
| Net loans and leases to core deposits | 106.4814% | 1,201 |
| Total domestic deposits to total assets | 82.7799% | 3,729 |
| Equity capital to assets | 9.1957% | 4,367 |
| Core capital (leverage) ratio | 9.2178% | 4,410 |
| Tier 1 risk-based capital ratio | 12.0419% | 4,525 |
| Total risk-based capital ratio | 12.9059% | 4,661 |
| Memoranda: | ||
| Average total assets | $1,095,472,500 | 700 |
| Average earning assets | $996,160,500 | 710 |
| Average equity | $105,701,500 | 804 |
| Average total loans | $830,869,500 | 662 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 1,873 |
| Cost of funding earning assets | 0.5969% | 1,613 |
| Net interest margin | 3.8554% | 2,237 |
| Noninterest income to average assets | 0.4356% | 3,401 |
| Noninterest expense to average assets | 2.3836% | 4,122 |
| Loan and lease loss provision to assets | 0.2103% | 949 |
| Net operating income to assets | 0.9969% | 2,256 |
| Return on assets (ROA) | 0.9969% | 2,292 |
| Pretax return on assets | 1.3388% | 2,219 |
| Return on Equity (ROE) | 9.6993% | 2,013 |
| Retained earnings to average equity (ytd only) | 5.8928% | 1,599 |
| Net charge-offs to loans | 0.0304% | 3,190 |
| Credit loss provision to net charge-offs | 925.9259% | 381 |
| Earnings coverage of net charge-offs (x) | 68.1944% | 873 |
| Efficiency ratio | 59.3127% | 4,369 |
| Assets per employee ($millions) | 4.5010% | 3,179 |
| Cash dividends to net income (ytd only)* | 39.2446% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,928 |
| Loan loss allowance to noncurrent loans | 72.9142% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.3821% | 410 |
| Noncurrent loans to loans | 1.6094% | 1,034 |
| Net loans and leases to total assets | 75.4614% | 1,685 |
| Net loans and leases to deposits | 92.8376% | 1,402 |
| Net loans and leases to core deposits | 107.4706% | 1,182 |
| Total domestic deposits to total assets | 81.2832% | 4,056 |
| Equity capital to assets | 10.2077% | 3,484 |
| Core capital (leverage) ratio | 10.5091% | 2,839 |
| Tier 1 risk-based capital ratio | 13.4771% | 3,639 |
| Total risk-based capital ratio | 14.6861% | 3,573 |
| Memoranda: | ||
| Average total assets | $950,857,400 | 779 |
| Average earning assets | $862,512,800 | 790 |
| Average equity | $97,729,200 | 843 |
| Average total loans | $709,381,600 | 738 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 1,773 |
| Cost of funding earning assets | 0.5884% | 1,614 |
| Net interest margin | 3.8671% | 2,158 |
| Noninterest income to average assets | 0.3633% | 3,930 |
| Noninterest expense to average assets | 2.4199% | 3,966 |
| Loan and lease loss provision to assets | 0.1905% | 1,018 |
| Net operating income to assets | 1.0748% | 2,204 |
| Return on assets (ROA) | 1.0748% | 2,253 |
| Pretax return on assets | 1.2569% | 2,677 |
| Return on Equity (ROE) | 10.4389% | 1,934 |
| Retained earnings to average equity (ytd only) | 6.0184% | 2,220 |
| Net charge-offs to loans | 0.0223% | 3,021 |
| Credit loss provision to net charge-offs | 1,152.1368% | 316 |
| Earnings coverage of net charge-offs (x) | 87.5192% | 758 |
| Efficiency ratio | 61.2463% | 4,005 |
| Assets per employee ($millions) | 4.3119% | 3,453 |
| Cash dividends to net income (ytd only)* | 42.3462% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 3,254 |
| Loan loss allowance to noncurrent loans | 60.3236% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 2.7176% | 356 |
| Noncurrent loans to loans | 1.8888% | 922 |
| Net loans and leases to total assets | 76.0487% | 1,586 |
| Net loans and leases to deposits | 93.4884% | 1,357 |
| Net loans and leases to core deposits | 107.0407% | 1,198 |
| Total domestic deposits to total assets | 81.3457% | 3,959 |
| Equity capital to assets | 10.5534% | 3,308 |
| Core capital (leverage) ratio | 10.4937% | 2,995 |
| Tier 1 risk-based capital ratio | 13.9733% | 3,453 |
| Total risk-based capital ratio | 15.1625% | 3,414 |
| Memoranda: | ||
| Average total assets | $943,267,750 | 790 |
| Average earning assets | $854,699,750 | 805 |
| Average equity | $97,121,500 | 853 |
| Average total loans | $699,419,250 | 747 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 1,957 |
| Cost of funding earning assets | 0.5811% | 1,568 |
| Net interest margin | 3.7755% | 2,384 |
| Noninterest income to average assets | 0.3721% | 3,896 |
| Noninterest expense to average assets | 2.4101% | 4,024 |
| Loan and lease loss provision to assets | 0.1576% | 1,268 |
| Net operating income to assets | 1.1470% | 1,791 |
| Return on assets (ROA) | 1.1470% | 1,840 |
| Pretax return on assets | 1.2237% | 2,683 |
| Return on Equity (ROE) | 11.2333% | 1,555 |
| Retained earnings to average equity (ytd only) | 8.0806% | 1,126 |
| Net charge-offs to loans | 0.0093% | 3,134 |
| Credit loss provision to net charge-offs | 2,325.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 203.8125% | 406 |
| Efficiency ratio | 62.2221% | 3,951 |
| Assets per employee ($millions) | 4.1985% | 3,624 |
| Cash dividends to net income (ytd only)* | 28.0650% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,608 |
| Loan loss allowance to noncurrent loans | 61.2990% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.7178% | 365 |
| Noncurrent loans to loans | 1.7872% | 1,013 |
| Net loans and leases to total assets | 74.7768% | 1,737 |
| Net loans and leases to deposits | 91.6668% | 1,540 |
| Net loans and leases to core deposits | 104.1904% | 1,339 |
| Total domestic deposits to total assets | 81.5745% | 4,023 |
| Equity capital to assets | 10.5963% | 3,234 |
| Core capital (leverage) ratio | 10.4785% | 2,942 |
| Tier 1 risk-based capital ratio | 14.1231% | 3,358 |
| Total risk-based capital ratio | 15.2568% | 3,341 |
| Memoranda: | ||
| Average total assets | $944,358,330 | 794 |
| Average earning assets | $855,253,670 | 807 |
| Average equity | $96,428,000 | 859 |
| Average total loans | $691,527,670 | 757 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 2,423 |
| Cost of funding earning assets | 0.5857% | 1,471 |
| Net interest margin | 3.5752% | 2,980 |
| Noninterest income to average assets | 0.3232% | 4,235 |
| Noninterest expense to average assets | 2.3356% | 4,308 |
| Loan and lease loss provision to assets | 0.1557% | 1,165 |
| Net operating income to assets | 0.7373% | 3,530 |
| Return on assets (ROA) | 0.7373% | 3,580 |
| Pretax return on assets | 1.0685% | 3,094 |
| Return on Equity (ROE) | 7.3567% | 3,232 |
| Retained earnings to average equity (ytd only) | 6.3070% | 2,184 |
| Net charge-offs to loans | 0.0257% | 2,244 |
| Credit loss provision to net charge-offs | 840.9091% | 371 |
| Earnings coverage of net charge-offs (x) | 66.1136% | 747 |
| Efficiency ratio | 64.1920% | 3,803 |
| Assets per employee ($millions) | 4.4082% | 3,314 |
| Cash dividends to net income (ytd only)* | 14.2694% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,941 |
| Loan loss allowance to noncurrent loans | 53.9662% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 2.9967% | 339 |
| Noncurrent loans to loans | 1.9618% | 913 |
| Net loans and leases to total assets | 73.6881% | 1,791 |
| Net loans and leases to deposits | 88.7959% | 1,693 |
| Net loans and leases to core deposits | 100.7532% | 1,458 |
| Total domestic deposits to total assets | 82.9860% | 3,849 |
| Equity capital to assets | 10.3295% | 3,377 |
| Core capital (leverage) ratio | 10.0421% | 3,440 |
| Tier 1 risk-based capital ratio | 13.9129% | 3,533 |
| Total risk-based capital ratio | 15.0023% | 3,535 |
| Memoranda: | ||
| Average total assets | $950,503,000 | 793 |
| Average earning assets | $860,483,500 | 809 |
| Average equity | $95,259,500 | 864 |
| Average total loans | $684,946,000 | 764 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 2,231 |
| Cost of funding earning assets | 0.6460% | 1,079 |
| Net interest margin | 3.6290% | 2,965 |
| Noninterest income to average assets | 0.4159% | 3,770 |
| Noninterest expense to average assets | 2.4363% | 4,194 |
| Loan and lease loss provision to assets | 0.1103% | 2,224 |
| Net operating income to assets | 0.7921% | 3,346 |
| Return on assets (ROA) | 0.8039% | 3,389 |
| Pretax return on assets | 1.1641% | 2,836 |
| Return on Equity (ROE) | 7.9394% | 2,972 |
| Retained earnings to average equity (ytd only) | -3.5006% | 5,611 |
| Net charge-offs to loans | 0.2169% | 1,277 |
| Credit loss provision to net charge-offs | 70.8717% | 3,123 |
| Earnings coverage of net charge-offs (x) | 8.0773% | 2,928 |
| Efficiency ratio | 64.6635% | 3,825 |
| Assets per employee ($millions) | 4.6232% | 2,924 |
| Cash dividends to net income (ytd only)* | 144.0922% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 4,112 |
| Loan loss allowance to noncurrent loans | 54.9259% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.8159% | 385 |
| Noncurrent loans to loans | 1.8842% | 987 |
| Net loans and leases to total assets | 69.0257% | 2,618 |
| Net loans and leases to deposits | 84.7031% | 2,338 |
| Net loans and leases to core deposits | 97.4414% | 1,806 |
| Total domestic deposits to total assets | 81.4914% | 4,210 |
| Equity capital to assets | 9.7274% | 4,032 |
| Core capital (leverage) ratio | 10.0233% | 3,460 |
| Tier 1 risk-based capital ratio | 14.1916% | 3,353 |
| Total risk-based capital ratio | 15.2673% | 3,367 |
| Memoranda: | ||
| Average total assets | $906,439,000 | 793 |
| Average earning assets | $818,701,800 | 816 |
| Average equity | $91,783,200 | 876 |
| Average total loans | $650,645,400 | 766 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 2,200 |
| Cost of funding earning assets | 0.6626% | 993 |
| Net interest margin | 3.6253% | 2,984 |
| Noninterest income to average assets | 0.4217% | 3,758 |
| Noninterest expense to average assets | 2.4675% | 4,083 |
| Loan and lease loss provision to assets | 0.1107% | 2,078 |
| Net operating income to assets | 0.7820% | 3,443 |
| Return on assets (ROA) | 0.7864% | 3,570 |
| Pretax return on assets | 1.1200% | 3,149 |
| Return on Equity (ROE) | 7.6836% | 3,199 |
| Retained earnings to average equity (ytd only) | -6.3271% | 5,774 |
| Net charge-offs to loans | 0.2455% | 955 |
| Credit loss provision to net charge-offs | 62.3103% | 2,886 |
| Earnings coverage of net charge-offs (x) | 6.8938% | 2,947 |
| Efficiency ratio | 65.5701% | 3,666 |
| Assets per employee ($millions) | 4.4463% | 3,169 |
| Cash dividends to net income (ytd only)* | 182.3462% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 4,188 |
| Loan loss allowance to noncurrent loans | 49.2477% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 3.0909% | 362 |
| Noncurrent loans to loans | 2.1094% | 909 |
| Net loans and leases to total assets | 70.4597% | 2,423 |
| Net loans and leases to deposits | 84.5164% | 2,428 |
| Net loans and leases to core deposits | 96.4473% | 1,951 |
| Total domestic deposits to total assets | 83.3681% | 3,461 |
| Equity capital to assets | 10.0149% | 4,115 |
| Core capital (leverage) ratio | 9.8228% | 3,783 |
| Tier 1 risk-based capital ratio | 14.3773% | 3,340 |
| Total risk-based capital ratio | 15.4755% | 3,369 |
| Memoranda: | ||
| Average total assets | $890,330,250 | 813 |
| Average earning assets | $803,117,500 | 830 |
| Average equity | $91,118,750 | 887 |
| Average total loans | $644,016,500 | 775 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3327% | 2,047 |
| Cost of funding earning assets | 0.6783% | 904 |
| Net interest margin | 3.6544% | 2,876 |
| Noninterest income to average assets | 0.4016% | 3,860 |
| Noninterest expense to average assets | 2.4633% | 4,140 |
| Loan and lease loss provision to assets | 0.1097% | 2,037 |
| Net operating income to assets | 0.7781% | 3,411 |
| Return on assets (ROA) | 0.7831% | 3,534 |
| Pretax return on assets | 1.1307% | 3,089 |
| Return on Equity (ROE) | 7.5935% | 3,208 |
| Retained earnings to average equity (ytd only) | -9.8462% | 5,879 |
| Net charge-offs to loans | 0.3512% | 671 |
| Credit loss provision to net charge-offs | 42.9596% | 2,745 |
| Earnings coverage of net charge-offs (x) | 4.8269% | 2,938 |
| Efficiency ratio | 65.4621% | 3,764 |
| Assets per employee ($millions) | 4.4663% | 3,091 |
| Cash dividends to net income (ytd only)* | 229.6665% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 4,337 |
| Loan loss allowance to noncurrent loans | 85.7414% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.4485% | 577 |
| Noncurrent loans to loans | 1.2040% | 1,917 |
| Net loans and leases to total assets | 68.6783% | 2,683 |
| Net loans and leases to deposits | 82.1122% | 2,701 |
| Net loans and leases to core deposits | 94.0711% | 2,161 |
| Total domestic deposits to total assets | 83.6395% | 3,403 |
| Equity capital to assets | 9.9615% | 4,276 |
| Core capital (leverage) ratio | 9.8368% | 3,767 |
| Tier 1 risk-based capital ratio | 14.5997% | 3,257 |
| Total risk-based capital ratio | 15.6871% | 3,284 |
| Memoranda: | ||
| Average total assets | $872,900,330 | 835 |
| Average earning assets | $787,000,670 | 847 |
| Average equity | $90,024,330 | 893 |
| Average total loans | $634,975,670 | 782 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 1,827 |
| Cost of funding earning assets | 0.7089% | 777 |
| Net interest margin | 3.6828% | 2,745 |
| Noninterest income to average assets | 0.3881% | 3,916 |
| Noninterest expense to average assets | 2.4533% | 4,215 |
| Loan and lease loss provision to assets | 0.1058% | 1,934 |
| Net operating income to assets | 0.8077% | 3,200 |
| Return on assets (ROA) | 0.8077% | 3,323 |
| Pretax return on assets | 1.1575% | 2,861 |
| Return on Equity (ROE) | 7.6835% | 3,091 |
| Retained earnings to average equity (ytd only) | 3.8144% | 3,588 |
| Net charge-offs to loans | 0.1391% | 1,280 |
| Credit loss provision to net charge-offs | 101.8433% | 1,598 |
| Earnings coverage of net charge-offs (x) | 12.1659% | 1,815 |
| Efficiency ratio | 65.0058% | 3,976 |
| Assets per employee ($millions) | 4.2922% | 3,421 |
| Cash dividends to net income (ytd only)* | 50.3555% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 3,576 |
| Loan loss allowance to noncurrent loans | 108.3491% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 2.3823% | 647 |
| Noncurrent loans to loans | 1.0933% | 2,208 |
| Net loans and leases to total assets | 74.3636% | 1,676 |
| Net loans and leases to deposits | 92.7907% | 1,253 |
| Net loans and leases to core deposits | 109.1117% | 896 |
| Total domestic deposits to total assets | 80.1412% | 4,717 |
| Equity capital to assets | 10.6212% | 3,344 |
| Core capital (leverage) ratio | 10.5130% | 2,948 |
| Tier 1 risk-based capital ratio | 14.6347% | 3,320 |
| Total risk-based capital ratio | 15.8848% | 3,263 |
| Memoranda: | ||
| Average total assets | $835,927,000 | 871 |
| Average earning assets | $755,519,000 | 889 |
| Average equity | $87,876,500 | 909 |
| Average total loans | $623,933,000 | 792 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 2,022 |
| Cost of funding earning assets | 0.7330% | 692 |
| Net interest margin | 3.6276% | 3,026 |
| Noninterest income to average assets | 0.4886% | 3,404 |
| Noninterest expense to average assets | 2.4749% | 4,306 |
| Loan and lease loss provision to assets | 0.0441% | 3,445 |
| Net operating income to assets | 0.9014% | 2,862 |
| Return on assets (ROA) | 0.9012% | 2,942 |
| Pretax return on assets | 1.2385% | 2,509 |
| Return on Equity (ROE) | 8.5812% | 2,682 |
| Retained earnings to average equity (ytd only) | 3.9103% | 3,256 |
| Net charge-offs to loans | 0.1319% | 2,052 |
| Credit loss provision to net charge-offs | 45.1694% | 3,472 |
| Earnings coverage of net charge-offs (x) | 13.1380% | 2,396 |
| Efficiency ratio | 64.8148% | 4,114 |
| Assets per employee ($millions) | 4.3481% | 3,310 |
| Cash dividends to net income (ytd only)* | 54.4318% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 3,520 |
| Loan loss allowance to noncurrent loans | 83.4815% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 2.6776% | 551 |
| Noncurrent loans to loans | 1.4305% | 1,627 |
| Net loans and leases to total assets | 73.1450% | 1,860 |
| Net loans and leases to deposits | 88.2713% | 1,843 |
| Net loans and leases to core deposits | 104.0486% | 1,218 |
| Total domestic deposits to total assets | 82.8638% | 3,880 |
| Equity capital to assets | 10.4046% | 3,479 |
| Core capital (leverage) ratio | 10.6544% | 2,768 |
| Tier 1 risk-based capital ratio | 14.6119% | 3,374 |
| Total risk-based capital ratio | 15.8621% | 3,299 |
| Memoranda: | ||
| Average total assets | $816,219,000 | 852 |
| Average earning assets | $735,584,600 | 867 |
| Average equity | $85,722,400 | 892 |
| Average total loans | $604,059,600 | 771 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 1,979 |
| Cost of funding earning assets | 0.7413% | 678 |
| Net interest margin | 3.6398% | 2,998 |
| Noninterest income to average assets | 0.5055% | 3,325 |
| Noninterest expense to average assets | 2.4753% | 4,268 |
| Loan and lease loss provision to assets | 0.0592% | 3,000 |
| Net operating income to assets | 0.9187% | 2,872 |
| Return on assets (ROA) | 0.9186% | 2,960 |
| Pretax return on assets | 1.2478% | 2,612 |
| Return on Equity (ROE) | 8.7257% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.1002% | 4,247 |
| Net charge-offs to loans | 0.1054% | 2,079 |
| Credit loss provision to net charge-offs | 75.9494% | 2,671 |
| Earnings coverage of net charge-offs (x) | 16.7638% | 2,095 |
| Efficiency ratio | 64.3979% | 4,174 |
| Assets per employee ($millions) | 4.1905% | 3,533 |
| Cash dividends to net income (ytd only)* | 64.4699% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 3,169 |
| Loan loss allowance to noncurrent loans | 70.7808% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 2.9647% | 519 |
| Noncurrent loans to loans | 1.8180% | 1,299 |
| Net loans and leases to total assets | 73.8151% | 1,767 |
| Net loans and leases to deposits | 89.8263% | 1,673 |
| Net loans and leases to core deposits | 105.4001% | 1,141 |
| Total domestic deposits to total assets | 82.1754% | 4,111 |
| Equity capital to assets | 10.6902% | 3,370 |
| Core capital (leverage) ratio | 10.5057% | 3,042 |
| Tier 1 risk-based capital ratio | 14.4580% | 3,601 |
| Total risk-based capital ratio | 15.7089% | 3,509 |
| Memoranda: | ||
| Average total assets | $810,479,750 | 871 |
| Average earning assets | $729,691,250 | 877 |
| Average equity | $85,324,750 | 898 |
| Average total loans | $599,766,000 | 783 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 1,921 |
| Cost of funding earning assets | 0.7428% | 673 |
| Net interest margin | 3.6371% | 2,952 |
| Noninterest income to average assets | 0.6149% | 2,655 |
| Noninterest expense to average assets | 2.4432% | 4,420 |
| Loan and lease loss provision to assets | 0.0611% | 2,883 |
| Net operating income to assets | 1.0211% | 2,284 |
| Return on assets (ROA) | 1.0211% | 2,397 |
| Pretax return on assets | 1.3869% | 2,039 |
| Return on Equity (ROE) | 9.7490% | 2,182 |
| Retained earnings to average equity (ytd only) | 5.0484% | 2,833 |
| Net charge-offs to loans | 0.1335% | 1,700 |
| Credit loss provision to net charge-offs | 62.0000% | 2,569 |
| Earnings coverage of net charge-offs (x) | 14.7050% | 2,040 |
| Efficiency ratio | 61.7828% | 4,705 |
| Assets per employee ($millions) | 4.1804% | 3,507 |
| Cash dividends to net income (ytd only)* | 48.2160% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 3,293 |
| Loan loss allowance to noncurrent loans | 92.5517% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.8906% | 594 |
| Noncurrent loans to loans | 1.3945% | 1,934 |
| Net loans and leases to total assets | 72.6522% | 1,873 |
| Net loans and leases to deposits | 88.1867% | 1,812 |
| Net loans and leases to core deposits | 103.8301% | 1,201 |
| Total domestic deposits to total assets | 82.3846% | 4,158 |
| Equity capital to assets | 10.5895% | 3,339 |
| Core capital (leverage) ratio | 10.5188% | 2,933 |
| Tier 1 risk-based capital ratio | 14.5722% | 3,594 |
| Total risk-based capital ratio | 15.8232% | 3,523 |
| Memoranda: | ||
| Average total assets | $812,448,000 | 873 |
| Average earning assets | $731,839,670 | 880 |
| Average equity | $85,096,000 | 903 |
| Average total loans | $599,141,330 | 786 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,245 |
| Cost of funding earning assets | 0.7453% | 677 |
| Net interest margin | 3.5117% | 3,383 |
| Noninterest income to average assets | 0.4294% | 3,765 |
| Noninterest expense to average assets | 2.4320% | 4,505 |
| Loan and lease loss provision to assets | 0.0610% | 2,711 |
| Net operating income to assets | 0.7979% | 3,273 |
| Return on assets (ROA) | 0.7979% | 3,398 |
| Pretax return on assets | 1.1024% | 3,068 |
| Return on Equity (ROE) | 7.6597% | 3,132 |
| Retained earnings to average equity (ytd only) | 5.2985% | 2,888 |
| Net charge-offs to loans | 0.0047% | 3,158 |
| Credit loss provision to net charge-offs | 1,771.4286% | 222 |
| Earnings coverage of net charge-offs (x) | 337.8571% | 163 |
| Efficiency ratio | 66.5618% | 4,059 |
| Assets per employee ($millions) | 4.3526% | 3,288 |
| Cash dividends to net income (ytd only)* | 30.8261% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 3,223 |
| Loan loss allowance to noncurrent loans | 75.1603% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 3.0860% | 596 |
| Noncurrent loans to loans | 1.7751% | 1,533 |
| Net loans and leases to total assets | 72.0569% | 1,794 |
| Net loans and leases to deposits | 89.3480% | 1,452 |
| Net loans and leases to core deposits | 102.2836% | 1,158 |
| Total domestic deposits to total assets | 80.6475% | 4,901 |
| Equity capital to assets | 10.4367% | 3,604 |
| Core capital (leverage) ratio | 10.3324% | 3,185 |
| Tier 1 risk-based capital ratio | 14.1149% | 3,938 |
| Total risk-based capital ratio | 15.3660% | 3,865 |
| Memoranda: | ||
| Average total assets | $813,169,500 | 870 |
| Average earning assets | $733,084,000 | 881 |
| Average equity | $84,703,500 | 905 |
| Average total loans | $600,253,500 | 781 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 1,744 |
| Cost of funding earning assets | 0.7782% | 727 |
| Net interest margin | 3.7573% | 2,783 |
| Noninterest income to average assets | 0.4064% | 4,135 |
| Noninterest expense to average assets | 2.5515% | 4,391 |
| Loan and lease loss provision to assets | 0.0153% | 4,302 |
| Net operating income to assets | 0.8754% | 2,993 |
| Return on assets (ROA) | 0.8751% | 3,080 |
| Pretax return on assets | 1.2106% | 2,608 |
| Return on Equity (ROE) | 8.4534% | 2,876 |
| Retained earnings to average equity (ytd only) | 7.0955% | 1,357 |
| Net charge-offs to loans | 0.0949% | 3,147 |
| Credit loss provision to net charge-offs | 22.0588% | 3,950 |
| Earnings coverage of net charge-offs (x) | 17.6434% | 1,912 |
| Efficiency ratio | 66.4502% | 4,168 |
| Assets per employee ($millions) | 4.2981% | 3,369 |
| Cash dividends to net income (ytd only)* | 16.0631% | 3,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 3,407 |
| Loan loss allowance to noncurrent loans | 74.4221% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 2.9863% | 676 |
| Noncurrent loans to loans | 1.7509% | 1,650 |
| Net loans and leases to total assets | 73.6395% | 1,651 |
| Net loans and leases to deposits | 90.9186% | 1,411 |
| Net loans and leases to core deposits | 106.2127% | 1,006 |
| Total domestic deposits to total assets | 80.9950% | 4,752 |
| Equity capital to assets | 10.3960% | 3,615 |
| Core capital (leverage) ratio | 10.2199% | 3,285 |
| Tier 1 risk-based capital ratio | 14.2077% | 3,962 |
| Total risk-based capital ratio | 15.4567% | 3,892 |
| Memoranda: | ||
| Average total assets | $782,564,800 | 864 |
| Average earning assets | $702,236,000 | 875 |
| Average equity | $81,009,000 | 906 |
| Average total loans | $573,180,400 | 771 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 1,767 |
| Cost of funding earning assets | 0.7744% | 784 |
| Net interest margin | 3.7558% | 2,789 |
| Noninterest income to average assets | 0.3923% | 4,306 |
| Noninterest expense to average assets | 2.5596% | 4,318 |
| Loan and lease loss provision to assets | 0.0206% | 3,994 |
| Net operating income to assets | 0.8575% | 3,139 |
| Return on assets (ROA) | 0.8575% | 3,232 |
| Pretax return on assets | 1.1772% | 2,875 |
| Return on Equity (ROE) | 8.2928% | 3,041 |
| Retained earnings to average equity (ytd only) | 8.2928% | 1,224 |
| Net charge-offs to loans | 0.1261% | 2,532 |
| Credit loss provision to net charge-offs | 22.4299% | 3,559 |
| Earnings coverage of net charge-offs (x) | 13.0336% | 2,262 |
| Efficiency ratio | 67.0248% | 4,040 |
| Assets per employee ($millions) | 4.1805% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 3,450 |
| Loan loss allowance to noncurrent loans | 75.3280% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 3.0824% | 751 |
| Noncurrent loans to loans | 1.7786% | 1,824 |
| Net loans and leases to total assets | 72.1579% | 1,817 |
| Net loans and leases to deposits | 89.9774% | 1,432 |
| Net loans and leases to core deposits | 106.0128% | 959 |
| Total domestic deposits to total assets | 80.1955% | 5,053 |
| Equity capital to assets | 10.3585% | 3,727 |
| Core capital (leverage) ratio | 10.2683% | 3,319 |
| Tier 1 risk-based capital ratio | 14.4606% | 3,911 |
| Total risk-based capital ratio | 15.7103% | 3,851 |
| Memoranda: | ||
| Average total assets | $776,193,500 | 877 |
| Average earning assets | $695,436,500 | 887 |
| Average equity | $80,260,000 | 913 |
| Average total loans | $565,750,500 | 781 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 2,053 |
| Cost of funding earning assets | 0.7653% | 852 |
| Net interest margin | 3.6705% | 3,064 |
| Noninterest income to average assets | 0.5218% | 3,327 |
| Noninterest expense to average assets | 2.5443% | 4,440 |
| Loan and lease loss provision to assets | 0.0313% | 3,655 |
| Net operating income to assets | 0.8971% | 2,826 |
| Return on assets (ROA) | 0.8971% | 2,923 |
| Pretax return on assets | 1.2299% | 2,534 |
| Return on Equity (ROE) | 8.6811% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.6811% | 1,081 |
| Net charge-offs to loans | 0.1081% | 2,593 |
| Credit loss provision to net charge-offs | 39.7351% | 2,932 |
| Earnings coverage of net charge-offs (x) | 16.0232% | 1,820 |
| Efficiency ratio | 65.7695% | 4,392 |
| Assets per employee ($millions) | 3.7432% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 3,266 |
| Loan loss allowance to noncurrent loans | 57.9920% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 3.8032% | 590 |
| Noncurrent loans to loans | 2.4411% | 1,283 |
| Net loans and leases to total assets | 73.1361% | 1,555 |
| Net loans and leases to deposits | 90.8275% | 1,288 |
| Net loans and leases to core deposits | 103.9879% | 1,020 |
| Total domestic deposits to total assets | 80.5220% | 5,117 |
| Equity capital to assets | 10.5489% | 3,382 |
| Core capital (leverage) ratio | 10.3077% | 3,206 |
| Tier 1 risk-based capital ratio | 14.4315% | 3,973 |
| Total risk-based capital ratio | 15.6843% | 3,913 |
| Memoranda: | ||
| Average total assets | $767,371,000 | 885 |
| Average earning assets | $686,503,000 | 897 |
| Average equity | $79,298,670 | 921 |
| Average total loans | $558,651,330 | 782 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 2,237 |
| Cost of funding earning assets | 0.7570% | 941 |
| Net interest margin | 3.6209% | 3,167 |
| Noninterest income to average assets | 0.6009% | 2,730 |
| Noninterest expense to average assets | 2.5201% | 4,551 |
| Loan and lease loss provision to assets | 0.0627% | 2,867 |
| Net operating income to assets | 0.9144% | 2,578 |
| Return on assets (ROA) | 0.9144% | 2,651 |
| Pretax return on assets | 1.2546% | 2,265 |
| Return on Equity (ROE) | 8.9426% | 2,489 |
| Retained earnings to average equity (ytd only) | 8.9426% | 1,265 |
| Net charge-offs to loans | 0.0594% | 2,565 |
| Credit loss provision to net charge-offs | 146.3415% | 1,284 |
| Earnings coverage of net charge-offs (x) | 30.7439% | 1,037 |
| Efficiency ratio | 64.5969% | 4,762 |
| Assets per employee ($millions) | 4.0485% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 3,101 |
| Loan loss allowance to noncurrent loans | 46.2368% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 4.5793% | 474 |
| Noncurrent loans to loans | 3.2662% | 937 |
| Net loans and leases to total assets | 70.1527% | 1,864 |
| Net loans and leases to deposits | 86.0748% | 1,602 |
| Net loans and leases to core deposits | 99.0328% | 1,173 |
| Total domestic deposits to total assets | 81.5021% | 5,091 |
| Equity capital to assets | 10.2656% | 3,520 |
| Core capital (leverage) ratio | 10.2590% | 3,208 |
| Tier 1 risk-based capital ratio | 14.4999% | 4,010 |
| Total risk-based capital ratio | 15.7538% | 3,960 |
| Memoranda: | ||
| Average total assets | $765,510,500 | 886 |
| Average earning assets | $684,247,000 | 902 |
| Average equity | $78,277,000 | 933 |
| Average total loans | $551,954,500 | 793 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 2,203 |
| Cost of funding earning assets | 0.8202% | 1,092 |
| Net interest margin | 3.6799% | 3,133 |
| Noninterest income to average assets | 0.5064% | 3,713 |
| Noninterest expense to average assets | 2.8034% | 3,709 |
| Loan and lease loss provision to assets | 0.0650% | 3,828 |
| Net operating income to assets | 0.6461% | 4,048 |
| Return on assets (ROA) | 0.6686% | 4,043 |
| Pretax return on assets | 0.9499% | 3,559 |
| Return on Equity (ROE) | 6.7984% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.7984% | 1,527 |
| Net charge-offs to loans | 0.3523% | 1,918 |
| Credit loss provision to net charge-offs | 26.7380% | 4,319 |
| Earnings coverage of net charge-offs (x) | 4.0412% | 3,693 |
| Efficiency ratio | 72.9409% | 3,296 |
| Assets per employee ($millions) | 3.6784% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 3,211 |
| Loan loss allowance to noncurrent loans | 35.0966% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 5.1703% | 447 |
| Noncurrent loans to loans | 4.2653% | 649 |
| Net loans and leases to total assets | 71.9024% | 1,699 |
| Net loans and leases to deposits | 91.8458% | 1,073 |
| Net loans and leases to core deposits | 107.0009% | 743 |
| Total domestic deposits to total assets | 78.2860% | 5,781 |
| Equity capital to assets | 10.1845% | 3,528 |
| Core capital (leverage) ratio | 10.2061% | 3,286 |
| Tier 1 risk-based capital ratio | 14.2786% | 4,096 |
| Total risk-based capital ratio | 15.5325% | 4,035 |
| Memoranda: | ||
| Average total assets | $768,958,800 | 870 |
| Average earning assets | $685,343,200 | 883 |
| Average equity | $75,620,200 | 944 |
| Average total loans | $530,736,200 | 802 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 2,470 |
| Cost of funding earning assets | 0.8385% | 1,105 |
| Net interest margin | 3.5988% | 3,452 |
| Noninterest income to average assets | 0.5865% | 3,236 |
| Noninterest expense to average assets | 2.8495% | 3,490 |
| Loan and lease loss provision to assets | 0.0864% | 3,335 |
| Net operating income to assets | 0.5950% | 4,375 |
| Return on assets (ROA) | 0.6256% | 4,362 |
| Pretax return on assets | 0.8992% | 3,888 |
| Return on Equity (ROE) | 6.4173% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.4173% | 2,176 |
| Net charge-offs to loans | 0.3763% | 1,696 |
| Credit loss provision to net charge-offs | 33.7382% | 3,825 |
| Earnings coverage of net charge-offs (x) | 3.6788% | 3,637 |
| Efficiency ratio | 74.0864% | 3,053 |
| Assets per employee ($millions) | 3.6649% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 2,918 |
| Loan loss allowance to noncurrent loans | 31.1630% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 6.1999% | 369 |
| Noncurrent loans to loans | 5.1961% | 556 |
| Net loans and leases to total assets | 70.4398% | 1,885 |
| Net loans and leases to deposits | 86.6920% | 1,528 |
| Net loans and leases to core deposits | 101.7025% | 1,013 |
| Total domestic deposits to total assets | 81.2529% | 5,155 |
| Equity capital to assets | 10.1498% | 3,699 |
| Core capital (leverage) ratio | 9.9002% | 3,810 |
| Tier 1 risk-based capital ratio | 14.1750% | 4,298 |
| Total risk-based capital ratio | 15.4301% | 4,244 |
| Memoranda: | ||
| Average total assets | $771,760,750 | 876 |
| Average earning assets | $687,277,500 | 886 |
| Average equity | $75,232,000 | 960 |
| Average total loans | $525,140,000 | 810 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 2,540 |
| Cost of funding earning assets | 0.8494% | 1,142 |
| Net interest margin | 3.5567% | 3,530 |
| Noninterest income to average assets | 0.5768% | 3,340 |
| Noninterest expense to average assets | 2.8120% | 3,633 |
| Loan and lease loss provision to assets | 0.1282% | 2,715 |
| Net operating income to assets | 0.5474% | 4,565 |
| Return on assets (ROA) | 0.5917% | 4,518 |
| Pretax return on assets | 0.8720% | 4,017 |
| Return on Equity (ROE) | 6.1508% | 4,075 |
| Retained earnings to average equity (ytd only) | 6.1508% | 2,345 |
| Net charge-offs to loans | 0.4646% | 1,421 |
| Credit loss provision to net charge-offs | 41.2541% | 3,390 |
| Earnings coverage of net charge-offs (x) | 3.0083% | 3,528 |
| Efficiency ratio | 73.9767% | 3,136 |
| Assets per employee ($millions) | 3.6100% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 2,716 |
| Loan loss allowance to noncurrent loans | 35.6351% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 5.7148% | 497 |
| Noncurrent loans to loans | 4.8192% | 693 |
| Net loans and leases to total assets | 67.1536% | 2,389 |
| Net loans and leases to deposits | 82.1701% | 2,040 |
| Net loans and leases to core deposits | 96.0392% | 1,353 |
| Total domestic deposits to total assets | 81.7251% | 5,138 |
| Equity capital to assets | 9.7887% | 4,192 |
| Core capital (leverage) ratio | 9.4869% | 4,264 |
| Tier 1 risk-based capital ratio | 14.3087% | 4,219 |
| Total risk-based capital ratio | 15.5651% | 4,169 |
| Memoranda: | ||
| Average total assets | $779,798,670 | 864 |
| Average earning assets | $695,083,670 | 874 |
| Average equity | $75,014,330 | 968 |
| Average total loans | $521,750,330 | 807 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3265% | 2,780 |
| Cost of funding earning assets | 0.8716% | 1,135 |
| Net interest margin | 3.4550% | 3,878 |
| Noninterest income to average assets | 0.5679% | 3,322 |
| Noninterest expense to average assets | 2.7975% | 3,705 |
| Loan and lease loss provision to assets | 0.1521% | 2,346 |
| Net operating income to assets | 0.5114% | 4,601 |
| Return on assets (ROA) | 0.5801% | 4,463 |
| Pretax return on assets | 0.7885% | 4,217 |
| Return on Equity (ROE) | 6.0818% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.0818% | 2,635 |
| Net charge-offs to loans | 0.6700% | 912 |
| Credit loss provision to net charge-offs | 34.2857% | 2,823 |
| Earnings coverage of net charge-offs (x) | 1.9109% | 3,199 |
| Efficiency ratio | 75.6712% | 2,977 |
| Assets per employee ($millions) | 3.8346% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 2,770 |
| Loan loss allowance to noncurrent loans | 47.8437% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 5.1972% | 679 |
| Noncurrent loans to loans | 3.6797% | 1,283 |
| Net loans and leases to total assets | 63.4918% | 2,804 |
| Net loans and leases to deposits | 78.6293% | 2,261 |
| Net loans and leases to core deposits | 92.9926% | 1,418 |
| Total domestic deposits to total assets | 80.7483% | 5,558 |
| Equity capital to assets | 9.4758% | 4,883 |
| Core capital (leverage) ratio | 9.0133% | 4,860 |
| Tier 1 risk-based capital ratio | 13.9024% | 4,579 |
| Total risk-based capital ratio | 15.1648% | 4,528 |
| Memoranda: | ||
| Average total assets | $788,839,000 | 855 |
| Average earning assets | $702,641,000 | 878 |
| Average equity | $75,240,500 | 976 |
| Average total loans | $522,396,000 | 804 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 2,712 |
| Cost of funding earning assets | 1.0846% | 960 |
| Net interest margin | 3.5849% | 4,157 |
| Noninterest income to average assets | 0.4236% | 4,428 |
| Noninterest expense to average assets | 2.8121% | 3,977 |
| Loan and lease loss provision to assets | 0.5063% | 1,166 |
| Net operating income to assets | 0.2372% | 5,675 |
| Return on assets (ROA) | 0.4124% | 5,303 |
| Pretax return on assets | 0.5476% | 5,143 |
| Return on Equity (ROE) | 4.4257% | 4,963 |
| Retained earnings to average equity (ytd only) | 4.4257% | 3,118 |
| Net charge-offs to loans | 1.3430% | 712 |
| Credit loss provision to net charge-offs | 54.1227% | 4,597 |
| Earnings coverage of net charge-offs (x) | 0.8769% | 5,032 |
| Efficiency ratio | 76.3019% | 2,696 |
| Assets per employee ($millions) | 3.7504% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 2,515 |
| Loan loss allowance to noncurrent loans | 49.6093% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 5.3970% | 701 |
| Noncurrent loans to loans | 3.6750% | 1,323 |
| Net loans and leases to total assets | 66.6159% | 2,433 |
| Net loans and leases to deposits | 82.9069% | 1,889 |
| Net loans and leases to core deposits | 99.1833% | 1,070 |
| Total domestic deposits to total assets | 80.3503% | 5,578 |
| Equity capital to assets | 9.6019% | 4,748 |
| Core capital (leverage) ratio | 9.0249% | 4,864 |
| Tier 1 risk-based capital ratio | 13.5968% | 4,672 |
| Total risk-based capital ratio | 14.8543% | 4,620 |
| Memoranda: | ||
| Average total assets | $790,909,200 | 841 |
| Average earning assets | $707,920,200 | 853 |
| Average equity | $73,705,800 | 961 |
| Average total loans | $550,837,000 | 755 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6243% | 3,116 |
| Cost of funding earning assets | 1.1172% | 993 |
| Net interest margin | 3.5071% | 4,614 |
| Noninterest income to average assets | 0.3209% | 5,215 |
| Noninterest expense to average assets | 2.7912% | 4,010 |
| Loan and lease loss provision to assets | 0.4355% | 1,452 |
| Net operating income to assets | 0.2197% | 5,866 |
| Return on assets (ROA) | 0.2197% | 6,042 |
| Pretax return on assets | 0.2381% | 6,072 |
| Return on Equity (ROE) | 2.3758% | 5,924 |
| Retained earnings to average equity (ytd only) | 2.3758% | 5,148 |
| Net charge-offs to loans | 1.5670% | 541 |
| Credit loss provision to net charge-offs | 39.6512% | 4,626 |
| Earnings coverage of net charge-offs (x) | 0.6133% | 5,012 |
| Efficiency ratio | 79.3871% | 2,187 |
| Assets per employee ($millions) | 3.7855% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 3,300 |
| Loan loss allowance to noncurrent loans | 26.8700% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 6.3812% | 603 |
| Noncurrent loans to loans | 6.1695% | 643 |
| Net loans and leases to total assets | 69.2184% | 2,068 |
| Net loans and leases to deposits | 86.8561% | 1,504 |
| Net loans and leases to core deposits | 105.8183% | 749 |
| Total domestic deposits to total assets | 79.6933% | 5,731 |
| Equity capital to assets | 9.5582% | 5,127 |
| Core capital (leverage) ratio | 8.6920% | 5,486 |
| Tier 1 risk-based capital ratio | 12.7773% | 5,423 |
| Total risk-based capital ratio | 14.0328% | 5,376 |
| Memoranda: | ||
| Average total assets | $793,614,500 | 840 |
| Average earning assets | $711,411,750 | 850 |
| Average equity | $73,406,500 | 966 |
| Average total loans | $556,218,000 | 750 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6144% | 3,298 |
| Cost of funding earning assets | 1.1524% | 1,015 |
| Net interest margin | 3.4620% | 4,836 |
| Noninterest income to average assets | 0.3423% | 5,098 |
| Noninterest expense to average assets | 2.7494% | 4,219 |
| Loan and lease loss provision to assets | 0.6495% | 873 |
| Net operating income to assets | 0.0980% | 6,168 |
| Return on assets (ROA) | 0.0980% | 6,317 |
| Pretax return on assets | 0.0431% | 6,399 |
| Return on Equity (ROE) | 1.0708% | 6,288 |
| Retained earnings to average equity (ytd only) | 1.0708% | 5,647 |
| Net charge-offs to loans | 1.9987% | 418 |
| Credit loss provision to net charge-offs | 46.4267% | 4,121 |
| Earnings coverage of net charge-offs (x) | 0.4951% | 4,827 |
| Efficiency ratio | 78.6926% | 2,369 |
| Assets per employee ($millions) | 3.7722% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8044% | 2,840 |
| Loan loss allowance to noncurrent loans | 28.3383% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 6.6552% | 610 |
| Noncurrent loans to loans | 6.3675% | 668 |
| Net loans and leases to total assets | 68.0875% | 2,280 |
| Net loans and leases to deposits | 84.4557% | 1,796 |
| Net loans and leases to core deposits | 102.7466% | 939 |
| Total domestic deposits to total assets | 80.6192% | 5,584 |
| Equity capital to assets | 9.1430% | 5,536 |
| Core capital (leverage) ratio | 8.4252% | 5,754 |
| Tier 1 risk-based capital ratio | 12.3513% | 5,681 |
| Total risk-based capital ratio | 13.6085% | 5,657 |
| Memoranda: | ||
| Average total assets | $798,212,330 | 832 |
| Average earning assets | $714,670,000 | 844 |
| Average equity | $73,029,670 | 962 |
| Average total loans | $558,664,330 | 749 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 3,201 |
| Cost of funding earning assets | 1.1676% | 1,116 |
| Net interest margin | 3.4949% | 4,728 |
| Noninterest income to average assets | 0.5872% | 3,316 |
| Noninterest expense to average assets | 2.8538% | 3,809 |
| Loan and lease loss provision to assets | 0.2061% | 2,891 |
| Net operating income to assets | 0.4797% | 4,910 |
| Return on assets (ROA) | 0.4797% | 5,107 |
| Pretax return on assets | 0.6486% | 4,945 |
| Return on Equity (ROE) | 5.2408% | 4,674 |
| Retained earnings to average equity (ytd only) | 5.2408% | 3,410 |
| Net charge-offs to loans | 0.0758% | 3,745 |
| Credit loss provision to net charge-offs | 386.7925% | 805 |
| Earnings coverage of net charge-offs (x) | 16.0377% | 1,389 |
| Efficiency ratio | 75.9897% | 2,792 |
| Assets per employee ($millions) | 3.8452% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3890% | 1,527 |
| Loan loss allowance to noncurrent loans | 32.8906% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 7.5631% | 529 |
| Noncurrent loans to loans | 7.2635% | 594 |
| Net loans and leases to total assets | 68.1883% | 2,076 |
| Net loans and leases to deposits | 84.9941% | 1,534 |
| Net loans and leases to core deposits | 101.7126% | 876 |
| Total domestic deposits to total assets | 80.2270% | 5,796 |
| Equity capital to assets | 9.1487% | 5,294 |
| Core capital (leverage) ratio | 8.5888% | 5,458 |
| Tier 1 risk-based capital ratio | 12.5431% | 5,571 |
| Total risk-based capital ratio | 13.8079% | 5,527 |
| Memoranda: | ||
| Average total assets | $795,578,000 | 832 |
| Average earning assets | $710,523,000 | 850 |
| Average equity | $72,813,500 | 958 |
| Average total loans | $559,435,000 | 746 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 3,563 |
| Cost of funding earning assets | 1.2816% | 1,573 |
| Net interest margin | 3.5736% | 4,836 |
| Noninterest income to average assets | 0.5412% | 3,578 |
| Noninterest expense to average assets | 4.5294% | 576 |
| Loan and lease loss provision to assets | 1.2201% | 713 |
| Net operating income to assets | -1.8337% | 6,997 |
| Return on assets (ROA) | -1.8204% | 7,010 |
| Pretax return on assets | -2.0557% | 7,039 |
| Return on Equity (ROE) | -17.9270% | 6,950 |
| Retained earnings to average equity (ytd only) | -19.2260% | 6,960 |
| Net charge-offs to loans | 1.3900% | 1,176 |
| Credit loss provision to net charge-offs | 125.4292% | 2,496 |
| Earnings coverage of net charge-offs (x) | -0.8743% | 6,168 |
| Efficiency ratio | 73.3947% | 3,325 |
| Assets per employee ($millions) | 3.7152% | 4,521 |
| Cash dividends to net income (ytd only)* | -7.2459% | 7,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3287% | 1,580 |
| Loan loss allowance to noncurrent loans | 34.9368% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 7.4890% | 587 |
| Noncurrent loans to loans | 6.6654% | 691 |
| Net loans and leases to total assets | 69.1355% | 2,195 |
| Net loans and leases to deposits | 87.3357% | 1,470 |
| Net loans and leases to core deposits | 107.1965% | 747 |
| Total domestic deposits to total assets | 79.1607% | 5,956 |
| Equity capital to assets | 9.1559% | 5,348 |
| Core capital (leverage) ratio | 8.3480% | 5,781 |
| Tier 1 risk-based capital ratio | 12.4256% | 5,513 |
| Total risk-based capital ratio | 13.6901% | 5,479 |
| Memoranda: | ||
| Average total assets | $826,339,200 | 787 |
| Average earning assets | $725,551,200 | 820 |
| Average equity | $83,912,600 | 798 |
| Average total loans | $578,275,600 | 729 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8459% | 3,805 |
| Cost of funding earning assets | 1.2998% | 1,703 |
| Net interest margin | 3.5461% | 4,998 |
| Noninterest income to average assets | 0.5430% | 3,566 |
| Noninterest expense to average assets | 2.6684% | 4,846 |
| Loan and lease loss provision to assets | 1.1155% | 729 |
| Net operating income to assets | -0.0162% | 6,176 |
| Return on assets (ROA) | -0.0038% | 6,264 |
| Pretax return on assets | -0.1194% | 6,352 |
| Return on Equity (ROE) | -0.0369% | 6,264 |
| Retained earnings to average equity (ytd only) | -1.7116% | 6,261 |
| Net charge-offs to loans | 1.8604% | 708 |
| Credit loss provision to net charge-offs | 85.9198% | 3,927 |
| Earnings coverage of net charge-offs (x) | 0.7523% | 5,048 |
| Efficiency ratio | 72.2351% | 3,504 |
| Assets per employee ($millions) | 3.9394% | 3,979 |
| Cash dividends to net income (ytd only)* | -4,541.5625% | 7,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 3,128 |
| Loan loss allowance to noncurrent loans | 23.2166% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 7.7512% | 587 |
| Noncurrent loans to loans | 7.5150% | 623 |
| Net loans and leases to total assets | 66.1418% | 2,871 |
| Net loans and leases to deposits | 84.4896% | 1,920 |
| Net loans and leases to core deposits | 104.0691% | 978 |
| Total domestic deposits to total assets | 78.2839% | 6,138 |
| Equity capital to assets | 10.4385% | 3,785 |
| Core capital (leverage) ratio | 8.1673% | 6,170 |
| Tier 1 risk-based capital ratio | 12.2009% | 5,743 |
| Total risk-based capital ratio | 13.4575% | 5,722 |
| Memoranda: | ||
| Average total assets | $835,087,250 | 790 |
| Average earning assets | $730,552,250 | 822 |
| Average equity | $86,777,000 | 780 |
| Average total loans | $582,808,000 | 729 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0126% | 3,101 |
| Cost of funding earning assets | 1.3263% | 1,787 |
| Net interest margin | 3.6863% | 4,329 |
| Noninterest income to average assets | 0.5467% | 3,496 |
| Noninterest expense to average assets | 2.7253% | 4,722 |
| Loan and lease loss provision to assets | 1.2088% | 640 |
| Net operating income to assets | -0.0346% | 6,279 |
| Return on assets (ROA) | -0.0161% | 6,319 |
| Pretax return on assets | -0.1401% | 6,402 |
| Return on Equity (ROE) | -0.1549% | 6,319 |
| Retained earnings to average equity (ytd only) | -1.1490% | 6,079 |
| Net charge-offs to loans | 1.6617% | 874 |
| Credit loss provision to net charge-offs | 103.0049% | 3,003 |
| Earnings coverage of net charge-offs (x) | 0.8859% | 4,630 |
| Efficiency ratio | 71.4368% | 3,842 |
| Assets per employee ($millions) | 3.7954% | 4,206 |
| Cash dividends to net income (ytd only)* | -641.7910% | 7,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 2,532 |
| Loan loss allowance to noncurrent loans | 24.6697% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 8.2260% | 547 |
| Noncurrent loans to loans | 7.8728% | 586 |
| Net loans and leases to total assets | 68.3337% | 2,551 |
| Net loans and leases to deposits | 87.4940% | 1,578 |
| Net loans and leases to core deposits | 107.6002% | 831 |
| Total domestic deposits to total assets | 78.1010% | 6,269 |
| Equity capital to assets | 10.6125% | 3,370 |
| Core capital (leverage) ratio | 8.3676% | 5,755 |
| Tier 1 risk-based capital ratio | 11.8552% | 5,895 |
| Total risk-based capital ratio | 13.1138% | 5,864 |
| Memoranda: | ||
| Average total assets | $833,752,000 | 801 |
| Average earning assets | $727,885,330 | 831 |
| Average equity | $86,506,330 | 777 |
| Average total loans | $588,795,330 | 725 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0856% | 2,711 |
| Cost of funding earning assets | 1.3828% | 1,700 |
| Net interest margin | 3.7028% | 4,085 |
| Noninterest income to average assets | 0.5088% | 3,812 |
| Noninterest expense to average assets | 2.5698% | 5,330 |
| Loan and lease loss provision to assets | 2.0338% | 273 |
| Net operating income to assets | -0.4687% | 6,790 |
| Return on assets (ROA) | -0.4330% | 6,772 |
| Pretax return on assets | -0.8045% | 6,921 |
| Return on Equity (ROE) | -4.2204% | 6,759 |
| Retained earnings to average equity (ytd only) | -6.2191% | 6,611 |
| Net charge-offs to loans | 1.1459% | 1,206 |
| Credit loss provision to net charge-offs | 249.7073% | 1,267 |
| Earnings coverage of net charge-offs (x) | 1.4409% | 3,629 |
| Efficiency ratio | 67.6561% | 4,728 |
| Assets per employee ($millions) | 3.8737% | 4,131 |
| Cash dividends to net income (ytd only)* | -47.3568% | 7,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3039% | 1,753 |
| Loan loss allowance to noncurrent loans | 44.3039% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 6.4290% | 871 |
| Noncurrent loans to loans | 5.2003% | 1,283 |
| Net loans and leases to total assets | 69.3484% | 2,257 |
| Net loans and leases to deposits | 87.7705% | 1,488 |
| Net loans and leases to core deposits | 104.2471% | 1,045 |
| Total domestic deposits to total assets | 79.0111% | 6,185 |
| Equity capital to assets | 10.3179% | 3,393 |
| Core capital (leverage) ratio | 8.0724% | 6,160 |
| Tier 1 risk-based capital ratio | 11.4190% | 6,162 |
| Total risk-based capital ratio | 12.6830% | 6,135 |
| Memoranda: | ||
| Average total assets | $838,832,500 | 795 |
| Average earning assets | $732,735,000 | 832 |
| Average equity | $86,057,500 | 772 |
| Average total loans | $596,224,500 | 727 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2314% | 3,451 |
| Cost of funding earning assets | 1.6302% | 1,910 |
| Net interest margin | 3.6012% | 4,819 |
| Noninterest income to average assets | 0.5164% | 4,049 |
| Noninterest expense to average assets | 2.5104% | 5,753 |
| Loan and lease loss provision to assets | 0.5162% | 3,088 |
| Net operating income to assets | 0.4726% | 4,218 |
| Return on assets (ROA) | 0.4763% | 4,367 |
| Pretax return on assets | 0.6461% | 4,179 |
| Return on Equity (ROE) | 4.4562% | 4,317 |
| Retained earnings to average equity (ytd only) | 1.1891% | 4,952 |
| Net charge-offs to loans | 0.9737% | 2,231 |
| Credit loss provision to net charge-offs | 73.3264% | 5,779 |
| Earnings coverage of net charge-offs (x) | 1.6439% | 4,505 |
| Efficiency ratio | 67.5289% | 4,663 |
| Assets per employee ($millions) | 3.8577% | 4,117 |
| Cash dividends to net income (ytd only)* | 73.3145% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 2,796 |
| Loan loss allowance to noncurrent loans | 30.8573% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 6.8006% | 823 |
| Noncurrent loans to loans | 5.9018% | 1,068 |
| Net loans and leases to total assets | 69.8737% | 2,563 |
| Net loans and leases to deposits | 88.4407% | 1,731 |
| Net loans and leases to core deposits | 106.7801% | 1,142 |
| Total domestic deposits to total assets | 79.0062% | 6,076 |
| Equity capital to assets | 10.2018% | 3,498 |
| Core capital (leverage) ratio | 8.1727% | 5,869 |
| Tier 1 risk-based capital ratio | 11.5787% | 5,843 |
| Total risk-based capital ratio | 12.8374% | 5,846 |
| Memoranda: | ||
| Average total assets | $819,005,800 | 825 |
| Average earning assets | $716,704,800 | 854 |
| Average equity | $87,541,600 | 765 |
| Average total loans | $592,155,600 | 752 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2394% | 3,636 |
| Cost of funding earning assets | 1.6793% | 1,970 |
| Net interest margin | 3.5601% | 5,063 |
| Noninterest income to average assets | 0.4899% | 4,270 |
| Noninterest expense to average assets | 2.4480% | 5,894 |
| Loan and lease loss provision to assets | 0.1474% | 5,566 |
| Net operating income to assets | 0.7049% | 3,393 |
| Return on assets (ROA) | 0.7054% | 3,542 |
| Pretax return on assets | 1.0110% | 3,141 |
| Return on Equity (ROE) | 6.5221% | 3,563 |
| Retained earnings to average equity (ytd only) | 5.0032% | 2,988 |
| Net charge-offs to loans | 1.1824% | 1,722 |
| Credit loss provision to net charge-offs | 17.1675% | 6,273 |
| Earnings coverage of net charge-offs (x) | 1.3485% | 4,730 |
| Efficiency ratio | 66.9522% | 4,664 |
| Assets per employee ($millions) | 4.1996% | 3,445 |
| Cash dividends to net income (ytd only)* | 23.2883% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 4,591 |
| Loan loss allowance to noncurrent loans | 25.5644% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 6.4219% | 891 |
| Noncurrent loans to loans | 5.3857% | 1,250 |
| Net loans and leases to total assets | 68.6446% | 3,064 |
| Net loans and leases to deposits | 87.2768% | 2,111 |
| Net loans and leases to core deposits | 104.4010% | 1,444 |
| Total domestic deposits to total assets | 78.6517% | 6,100 |
| Equity capital to assets | 10.5664% | 3,448 |
| Core capital (leverage) ratio | 8.7083% | 5,169 |
| Tier 1 risk-based capital ratio | 11.9397% | 5,518 |
| Total risk-based capital ratio | 13.1915% | 5,487 |
| Memoranda: | ||
| Average total assets | $811,582,250 | 835 |
| Average earning assets | $710,261,750 | 864 |
| Average equity | $87,781,250 | 759 |
| Average total loans | $589,190,000 | 765 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2233% | 3,832 |
| Cost of funding earning assets | 1.7341% | 1,947 |
| Net interest margin | 3.4892% | 5,289 |
| Noninterest income to average assets | 0.5072% | 4,053 |
| Noninterest expense to average assets | 2.3667% | 6,163 |
| Loan and lease loss provision to assets | 0.0756% | 6,188 |
| Net operating income to assets | 0.7720% | 3,101 |
| Return on assets (ROA) | 0.7728% | 3,249 |
| Pretax return on assets | 1.1166% | 2,725 |
| Return on Equity (ROE) | 7.0867% | 3,264 |
| Retained earnings to average equity (ytd only) | 4.7843% | 3,023 |
| Net charge-offs to loans | 0.4069% | 3,355 |
| Credit loss provision to net charge-offs | 25.2094% | 5,800 |
| Earnings coverage of net charge-offs (x) | 3.9724% | 3,106 |
| Efficiency ratio | 65.5516% | 5,057 |
| Assets per employee ($millions) | 3.9116% | 3,943 |
| Cash dividends to net income (ytd only)* | 32.4886% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8345% | 2,623 |
| Loan loss allowance to noncurrent loans | 98.0339% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 4.1023% | 1,662 |
| Noncurrent loans to loans | 1.8713% | 3,905 |
| Net loans and leases to total assets | 71.5207% | 2,531 |
| Net loans and leases to deposits | 91.0049% | 1,690 |
| Net loans and leases to core deposits | 113.3611% | 956 |
| Total domestic deposits to total assets | 78.5899% | 6,134 |
| Equity capital to assets | 10.9499% | 2,918 |
| Core capital (leverage) ratio | 8.7351% | 5,029 |
| Tier 1 risk-based capital ratio | 12.0787% | 5,246 |
| Total risk-based capital ratio | 13.3340% | 5,207 |
| Memoranda: | ||
| Average total assets | $796,537,000 | 856 |
| Average earning assets | $696,385,670 | 888 |
| Average equity | $86,867,000 | 754 |
| Average total loans | $586,819,670 | 772 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 4,806 |
| Cost of funding earning assets | 1.7487% | 2,132 |
| Net interest margin | 3.2969% | 5,983 |
| Noninterest income to average assets | 0.5162% | 3,927 |
| Noninterest expense to average assets | 2.2952% | 6,390 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7699% | 3,108 |
| Return on assets (ROA) | 0.7713% | 3,215 |
| Pretax return on assets | 1.1133% | 2,689 |
| Return on Equity (ROE) | 7.0872% | 3,303 |
| Retained earnings to average equity (ytd only) | 2.4459% | 4,668 |
| Net charge-offs to loans | 0.2325% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.4516% | 2,223 |
| Efficiency ratio | 66.3701% | 5,042 |
| Assets per employee ($millions) | 3.7578% | 4,405 |
| Cash dividends to net income (ytd only)* | 65.4879% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9051% | 2,422 |
| Loan loss allowance to noncurrent loans | 130.3777% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 3.7297% | 1,865 |
| Noncurrent loans to loans | 1.4612% | 4,552 |
| Net loans and leases to total assets | 72.8350% | 2,251 |
| Net loans and leases to deposits | 92.7160% | 1,509 |
| Net loans and leases to core deposits | 118.3135% | 855 |
| Total domestic deposits to total assets | 78.5571% | 6,188 |
| Equity capital to assets | 10.8192% | 2,935 |
| Core capital (leverage) ratio | 8.6132% | 5,188 |
| Tier 1 risk-based capital ratio | 11.4779% | 5,693 |
| Total risk-based capital ratio | 12.7346% | 5,677 |
| Memoranda: | ||
| Average total assets | $791,911,500 | 877 |
| Average earning assets | $694,223,000 | 904 |
| Average equity | $86,184,000 | 769 |
| Average total loans | $586,692,000 | 793 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5783% | 3,710 |
| Cost of funding earning assets | 2.0525% | 2,709 |
| Net interest margin | 3.5258% | 4,839 |
| Noninterest income to average assets | 0.5232% | 4,233 |
| Noninterest expense to average assets | 2.4910% | 6,164 |
| Loan and lease loss provision to assets | 1.1418% | 1,995 |
| Net operating income to assets | 0.0702% | 5,292 |
| Return on assets (ROA) | 0.0758% | 5,317 |
| Pretax return on assets | -0.0109% | 5,463 |
| Return on Equity (ROE) | 0.6699% | 5,337 |
| Retained earnings to average equity (ytd only) | -0.5095% | 5,110 |
| Net charge-offs to loans | 0.4362% | 4,056 |
| Credit loss provision to net charge-offs | 355.8004% | 904 |
| Earnings coverage of net charge-offs (x) | 3.4965% | 3,319 |
| Efficiency ratio | 67.8879% | 5,022 |
| Assets per employee ($millions) | 3.7483% | 4,398 |
| Cash dividends to net income (ytd only)* | 176.0563% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0141% | 1,987 |
| Loan loss allowance to noncurrent loans | 176.9266% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 3.1108% | 2,229 |
| Noncurrent loans to loans | 1.1384% | 5,056 |
| Net loans and leases to total assets | 72.4293% | 2,653 |
| Net loans and leases to deposits | 92.0614% | 1,891 |
| Net loans and leases to core deposits | 120.8959% | 1,889 |
| Total domestic deposits to total assets | 78.6750% | 6,076 |
| Equity capital to assets | 10.9482% | 2,742 |
| Core capital (leverage) ratio | 8.8870% | 4,613 |
| Tier 1 risk-based capital ratio | 11.5602% | 5,336 |
| Total risk-based capital ratio | 12.8182% | 5,282 |
| Memoranda: | ||
| Average total assets | $749,431,200 | 914 |
| Average earning assets | $656,754,200 | 947 |
| Average equity | $84,786,800 | 756 |
| Average total loans | $551,395,000 | 868 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6448% | 3,603 |
| Cost of funding earning assets | 2.1291% | 2,749 |
| Net interest margin | 3.5157% | 4,803 |
| Noninterest income to average assets | 0.5154% | 4,361 |
| Noninterest expense to average assets | 2.4930% | 6,091 |
| Loan and lease loss provision to assets | 0.2050% | 5,349 |
| Net operating income to assets | 0.6362% | 3,471 |
| Return on assets (ROA) | 0.6442% | 3,496 |
| Pretax return on assets | 0.9071% | 3,204 |
| Return on Equity (ROE) | 5.6460% | 3,669 |
| Retained earnings to average equity (ytd only) | 4.0689% | 3,003 |
| Net charge-offs to loans | 0.3051% | 4,124 |
| Credit loss provision to net charge-offs | 91.4125% | 5,442 |
| Earnings coverage of net charge-offs (x) | 4.9093% | 2,973 |
| Efficiency ratio | 68.2890% | 4,905 |
| Assets per employee ($millions) | 3.5820% | 4,729 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,491 |
| Loan loss allowance to noncurrent loans | 61.4161% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 3.5457% | 1,867 |
| Noncurrent loans to loans | 1.5620% | 4,296 |
| Net loans and leases to total assets | 73.4666% | 2,671 |
| Net loans and leases to deposits | 96.8230% | 1,471 |
| Net loans and leases to core deposits | 127.5029% | 1,618 |
| Total domestic deposits to total assets | 75.8772% | 6,606 |
| Equity capital to assets | 11.7197% | 2,418 |
| Core capital (leverage) ratio | 9.4101% | 4,036 |
| Tier 1 risk-based capital ratio | 12.1601% | 4,829 |
| Total risk-based capital ratio | 13.1003% | 5,045 |
| Memoranda: | ||
| Average total assets | $740,938,000 | 929 |
| Average earning assets | $648,771,500 | 971 |
| Average equity | $84,541,250 | 764 |
| Average total loans | $544,474,500 | 895 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7147% | 3,457 |
| Cost of funding earning assets | 2.1719% | 2,923 |
| Net interest margin | 3.5428% | 4,604 |
| Noninterest income to average assets | 0.4973% | 4,468 |
| Noninterest expense to average assets | 2.5022% | 6,118 |
| Loan and lease loss provision to assets | 0.1587% | 5,482 |
| Net operating income to assets | 0.6542% | 3,449 |
| Return on assets (ROA) | 0.6630% | 3,524 |
| Pretax return on assets | 0.9548% | 3,164 |
| Return on Equity (ROE) | 5.8659% | 3,715 |
| Retained earnings to average equity (ytd only) | 3.4579% | 3,390 |
| Net charge-offs to loans | 0.4664% | 2,965 |
| Credit loss provision to net charge-offs | 46.4542% | 5,812 |
| Earnings coverage of net charge-offs (x) | 3.2223% | 3,523 |
| Efficiency ratio | 68.3690% | 5,094 |
| Assets per employee ($millions) | 3.5367% | 4,715 |
| Cash dividends to net income (ytd only)* | 41.0509% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 6,886 |
| Loan loss allowance to noncurrent loans | 64.8399% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 3.0738% | 2,048 |
| Noncurrent loans to loans | 1.3471% | 4,518 |
| Net loans and leases to total assets | 73.2452% | 2,898 |
| Net loans and leases to deposits | 96.7439% | 1,689 |
| Net loans and leases to core deposits | 128.3122% | 1,689 |
| Total domestic deposits to total assets | 75.7105% | 6,613 |
| Equity capital to assets | 11.1633% | 2,783 |
| Core capital (leverage) ratio | 9.0072% | 4,618 |
| Tier 1 risk-based capital ratio | 11.5950% | 5,292 |
| Total risk-based capital ratio | 12.4493% | 5,602 |
| Memoranda: | ||
| Average total assets | $734,787,000 | 948 |
| Average earning assets | $644,123,670 | 993 |
| Average equity | $83,055,670 | 793 |
| Average total loans | $538,198,330 | 925 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6842% | 3,883 |
| Cost of funding earning assets | 2.2297% | 3,012 |
| Net interest margin | 3.4545% | 4,922 |
| Noninterest income to average assets | 0.5417% | 3,984 |
| Noninterest expense to average assets | 2.3958% | 6,204 |
| Loan and lease loss provision to assets | 0.1507% | 4,998 |
| Net operating income to assets | 0.7213% | 3,457 |
| Return on assets (ROA) | 0.7320% | 3,613 |
| Pretax return on assets | 1.0417% | 3,194 |
| Return on Equity (ROE) | 6.4352% | 3,841 |
| Retained earnings to average equity (ytd only) | 1.6003% | 4,955 |
| Net charge-offs to loans | 0.6985% | 1,788 |
| Credit loss provision to net charge-offs | 29.5896% | 4,951 |
| Earnings coverage of net charge-offs (x) | 2.3110% | 3,578 |
| Efficiency ratio | 65.9637% | 5,343 |
| Assets per employee ($millions) | 3.4417% | 4,968 |
| Cash dividends to net income (ytd only)* | 75.1315% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 6,761 |
| Loan loss allowance to noncurrent loans | 138.9874% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 2.3659% | 2,420 |
| Noncurrent loans to loans | 0.6464% | 5,792 |
| Net loans and leases to total assets | 72.4324% | 3,144 |
| Net loans and leases to deposits | 94.5771% | 2,175 |
| Net loans and leases to core deposits | 126.1244% | 1,910 |
| Total domestic deposits to total assets | 76.5855% | 6,384 |
| Equity capital to assets | 11.2288% | 2,785 |
| Core capital (leverage) ratio | 9.0866% | 4,577 |
| Tier 1 risk-based capital ratio | 11.6447% | 5,254 |
| Total risk-based capital ratio | 12.5223% | 5,537 |
| Memoranda: | ||
| Average total assets | $727,286,500 | 960 |
| Average earning assets | $638,122,000 | 1,003 |
| Average equity | $82,733,000 | 798 |
| Average total loans | $530,286,000 | 942 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5346% | 2,789 |
| Cost of funding earning assets | 2.6806% | 3,255 |
| Net interest margin | 3.8540% | 3,777 |
| Noninterest income to average assets | 0.6557% | 3,431 |
| Noninterest expense to average assets | 2.4834% | 6,077 |
| Loan and lease loss provision to assets | 0.1281% | 5,729 |
| Net operating income to assets | 0.9401% | 2,831 |
| Return on assets (ROA) | 0.8286% | 3,155 |
| Pretax return on assets | 1.2340% | 2,533 |
| Return on Equity (ROE) | 7.1166% | 3,465 |
| Retained earnings to average equity (ytd only) | -8.7291% | 6,945 |
| Net charge-offs to loans | 0.2752% | 3,564 |
| Credit loss provision to net charge-offs | 63.2708% | 6,186 |
| Earnings coverage of net charge-offs (x) | 7.5514% | 3,081 |
| Efficiency ratio | 61.4185% | 6,072 |
| Assets per employee ($millions) | 3.3867% | 4,973 |
| Cash dividends to net income (ytd only)* | 222.6588% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 5,545 |
| Loan loss allowance to noncurrent loans | 127.3631% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 2.2186% | 2,201 |
| Noncurrent loans to loans | 0.8325% | 4,971 |
| Net loans and leases to total assets | 71.9594% | 3,597 |
| Net loans and leases to deposits | 94.7206% | 2,658 |
| Net loans and leases to core deposits | 128.6952% | 1,946 |
| Total domestic deposits to total assets | 75.9702% | 6,246 |
| Equity capital to assets | 11.5275% | 2,621 |
| Core capital (leverage) ratio | 9.4530% | 4,085 |
| Tier 1 risk-based capital ratio | 12.0654% | 4,771 |
| Total risk-based capital ratio | 13.1031% | 4,844 |
| Memoranda: | ||
| Average total assets | $552,830,000 | 1,230 |
| Average earning assets | $481,421,600 | 1,277 |
| Average equity | $64,370,800 | 1,037 |
| Average total loans | $406,547,400 | 1,189 |