Home > Community Financial Services Bank > Performance and Condition Ratios
Community Financial Services 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 | 5.7423% | 1,590 |
| Cost of funding earning assets | 2.5618% | 763 |
| Net interest margin | 3.1805% | 3,048 |
| Noninterest income to average assets | 0.7200% | 983 |
| Noninterest expense to average assets | 2.6044% | 2,006 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 0.8068% | 2,828 |
| Return on assets (ROA) | 0.8047% | 2,835 |
| Pretax return on assets | 0.9535% | 2,842 |
| Return on Equity (ROE) | 11.2500% | 1,951 |
| Retained earnings to average equity (ytd only) | -4.4784% | 4,055 |
| Net charge-offs to loans | 0.1501% | 651 |
| Credit loss provision to net charge-offs | 40.9836% | 1,580 |
| Earnings coverage of net charge-offs (x) | 9.6967% | 1,728 |
| Efficiency ratio | 72.2929% | 1,587 |
| Assets per employee ($millions) | 6.2851% | 2,727 |
| Cash dividends to net income (ytd only)* | 139.8113% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 1,000 |
| Loan loss allowance to noncurrent loans | 181.2308% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 1,276 |
| Noncurrent loans to loans | 0.8310% | 1,259 |
| Net loans and leases to total assets | 69.1600% | 1,933 |
| Net loans and leases to deposits | 76.5896% | 2,353 |
| Net loans and leases to core deposits | 103.0018% | 1,194 |
| Total domestic deposits to total assets | 90.3000% | 721 |
| Equity capital to assets | 7.2531% | 3,938 |
| Core capital (leverage) ratio | 9.7592% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2556% | 1,762 |
| Memoranda: | ||
| Average total assets | $1,422,202,500 | 772 |
| Average earning assets | $1,288,613,000 | 781 |
| Average equity | $101,733,500 | 1,028 |
| Average total loans | $975,232,000 | 785 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6280% | 1,880 |
| Cost of funding earning assets | 2.7651% | 753 |
| Net interest margin | 2.8629% | 3,375 |
| Noninterest income to average assets | 0.8100% | 904 |
| Noninterest expense to average assets | 2.6784% | 1,794 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.5453% | 3,361 |
| Return on assets (ROA) | 0.5457% | 3,382 |
| Pretax return on assets | 0.6479% | 3,373 |
| Return on Equity (ROE) | 7.7300% | 2,832 |
| Retained earnings to average equity (ytd only) | 5.7185% | 1,934 |
| Net charge-offs to loans | 0.2237% | 652 |
| Credit loss provision to net charge-offs | 52.8979% | 2,320 |
| Earnings coverage of net charge-offs (x) | 4.6605% | 2,636 |
| Efficiency ratio | 78.8047% | 1,137 |
| Assets per employee ($millions) | 6.4120% | 2,568 |
| Cash dividends to net income (ytd only)* | 26.0586% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 903 |
| Loan loss allowance to noncurrent loans | 262.1716% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 1,731 |
| Noncurrent loans to loans | 0.5882% | 1,624 |
| Net loans and leases to total assets | 65.9600% | 2,365 |
| Net loans and leases to deposits | 72.8733% | 2,741 |
| Net loans and leases to core deposits | 102.8682% | 1,279 |
| Total domestic deposits to total assets | 90.5100% | 658 |
| Equity capital to assets | 7.0571% | 3,943 |
| Core capital (leverage) ratio | 9.6519% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4184% | 1,705 |
| Memoranda: | ||
| Average total assets | $1,406,468,000 | 774 |
| Average earning assets | $1,271,127,400 | 780 |
| Average equity | $99,240,000 | 1,029 |
| Average total loans | $971,931,600 | 778 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5472% | 1,992 |
| Cost of funding earning assets | 2.7920% | 716 |
| Net interest margin | 2.7552% | 3,517 |
| Noninterest income to average assets | 0.8200% | 844 |
| Noninterest expense to average assets | 2.7036% | 1,672 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.4447% | 3,601 |
| Return on assets (ROA) | 0.4444% | 3,635 |
| Pretax return on assets | 0.5239% | 3,610 |
| Return on Equity (ROE) | 6.3000% | 3,241 |
| Retained earnings to average equity (ytd only) | 3.5904% | 2,982 |
| Net charge-offs to loans | 0.2061% | 581 |
| Credit loss provision to net charge-offs | 58.2169% | 1,996 |
| Earnings coverage of net charge-offs (x) | 4.2342% | 2,460 |
| Efficiency ratio | 81.6425% | 969 |
| Assets per employee ($millions) | 6.1271% | 2,771 |
| Cash dividends to net income (ytd only)* | 42.9923% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 878 |
| Loan loss allowance to noncurrent loans | 268.0272% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 1,635 |
| Noncurrent loans to loans | 0.5893% | 1,618 |
| Net loans and leases to total assets | 68.2400% | 2,055 |
| Net loans and leases to deposits | 75.6360% | 2,551 |
| Net loans and leases to core deposits | 101.6592% | 1,386 |
| Total domestic deposits to total assets | 90.2200% | 528 |
| Equity capital to assets | 7.4284% | 3,993 |
| Core capital (leverage) ratio | 9.8176% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1930% | 1,834 |
| Memoranda: | ||
| Average total assets | $1,395,806,750 | 770 |
| Average earning assets | $1,259,746,000 | 781 |
| Average equity | $98,483,750 | 1,027 |
| Average total loans | $972,226,000 | 773 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4990% | 1,975 |
| Cost of funding earning assets | 2.7810% | 684 |
| Net interest margin | 2.7180% | 3,553 |
| Noninterest income to average assets | 0.8200% | 829 |
| Noninterest expense to average assets | 2.7361% | 1,592 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 0.4044% | 3,651 |
| Return on assets (ROA) | 0.4030% | 3,691 |
| Pretax return on assets | 0.4234% | 3,766 |
| Return on Equity (ROE) | 5.8200% | 3,334 |
| Retained earnings to average equity (ytd only) | 1.6734% | 3,437 |
| Net charge-offs to loans | 0.1988% | 549 |
| Credit loss provision to net charge-offs | 75.0518% | 1,685 |
| Earnings coverage of net charge-offs (x) | 3.8147% | 2,299 |
| Efficiency ratio | 83.8001% | 873 |
| Assets per employee ($millions) | 6.0577% | 2,748 |
| Cash dividends to net income (ytd only)* | 71.2251% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 816 |
| Loan loss allowance to noncurrent loans | 249.1775% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 1,386 |
| Noncurrent loans to loans | 0.6513% | 1,417 |
| Net loans and leases to total assets | 68.8400% | 2,036 |
| Net loans and leases to deposits | 76.9422% | 2,474 |
| Net loans and leases to core deposits | 100.8155% | 1,431 |
| Total domestic deposits to total assets | 89.4700% | 855 |
| Equity capital to assets | 6.9231% | 3,969 |
| Core capital (leverage) ratio | 9.6508% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9973% | 1,889 |
| Memoranda: | ||
| Average total assets | $1,393,376,333 | 776 |
| Average earning assets | $1,255,033,333 | 781 |
| Average equity | $96,569,000 | 1,029 |
| Average total loans | $972,041,667 | 772 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4433% | 1,919 |
| Cost of funding earning assets | 2.7744% | 633 |
| Net interest margin | 2.6689% | 3,623 |
| Noninterest income to average assets | 0.7700% | 891 |
| Noninterest expense to average assets | 2.7289% | 1,614 |
| Loan and lease loss provision to assets | 0.1400% | 749 |
| Net operating income to assets | 0.3031% | 3,812 |
| Return on assets (ROA) | 0.3048% | 3,838 |
| Pretax return on assets | 0.2993% | 3,917 |
| Return on Equity (ROE) | 4.4000% | 3,586 |
| Retained earnings to average equity (ytd only) | -3.8664% | 4,065 |
| Net charge-offs to loans | 0.0970% | 740 |
| Credit loss provision to net charge-offs | 211.8644% | 796 |
| Earnings coverage of net charge-offs (x) | 6.5212% | 1,805 |
| Efficiency ratio | 86.0925% | 776 |
| Assets per employee ($millions) | 5.9591% | 2,869 |
| Cash dividends to net income (ytd only)* | 187.9699% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 763 |
| Loan loss allowance to noncurrent loans | 227.2575% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 1,238 |
| Noncurrent loans to loans | 0.7276% | 1,219 |
| Net loans and leases to total assets | 69.0600% | 1,905 |
| Net loans and leases to deposits | 77.1993% | 2,314 |
| Net loans and leases to core deposits | 101.7042% | 1,319 |
| Total domestic deposits to total assets | 89.4500% | 973 |
| Equity capital to assets | 6.7562% | 3,994 |
| Core capital (leverage) ratio | 9.5198% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6561% | 2,009 |
| Memoranda: | ||
| Average total assets | $1,396,462,500 | 780 |
| Average earning assets | $1,255,038,000 | 788 |
| Average equity | $96,835,000 | 1,025 |
| Average total loans | $972,725,500 | 770 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 2,001 |
| Cost of funding earning assets | 2.1656% | 684 |
| Net interest margin | 2.8712% | 3,534 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 2.6480% | 1,879 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.5983% | 3,447 |
| Return on assets (ROA) | 0.6033% | 3,426 |
| Pretax return on assets | 0.6918% | 3,458 |
| Return on Equity (ROE) | 8.8500% | 2,795 |
| Retained earnings to average equity (ytd only) | -1.2780% | 4,214 |
| Net charge-offs to loans | 0.1369% | 731 |
| Credit loss provision to net charge-offs | 118.7783% | 1,686 |
| Earnings coverage of net charge-offs (x) | 8.3454% | 2,352 |
| Efficiency ratio | 76.7906% | 1,185 |
| Assets per employee ($millions) | 5.7543% | 3,018 |
| Cash dividends to net income (ytd only)* | 114.4347% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 732 |
| Loan loss allowance to noncurrent loans | 199.9500% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 965 |
| Noncurrent loans to loans | 0.8314% | 925 |
| Net loans and leases to total assets | 67.9500% | 2,042 |
| Net loans and leases to deposits | 76.2375% | 2,430 |
| Net loans and leases to core deposits | 100.0695% | 1,429 |
| Total domestic deposits to total assets | 89.1200% | 1,028 |
| Equity capital to assets | 7.1134% | 3,897 |
| Core capital (leverage) ratio | 9.6330% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0062% | 1,867 |
| Memoranda: | ||
| Average total assets | $1,382,675,600 | 756 |
| Average earning assets | $1,246,227,800 | 770 |
| Average equity | $94,207,200 | 990 |
| Average total loans | $968,355,800 | 748 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 2,008 |
| Cost of funding earning assets | 2.0216% | 680 |
| Net interest margin | 2.9018% | 3,541 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.6524% | 1,790 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.6295% | 3,474 |
| Return on assets (ROA) | 0.6330% | 3,455 |
| Pretax return on assets | 0.7311% | 3,488 |
| Return on Equity (ROE) | 9.4000% | 2,825 |
| Retained earnings to average equity (ytd only) | -4.2252% | 4,406 |
| Net charge-offs to loans | 0.1289% | 626 |
| Credit loss provision to net charge-offs | 119.9360% | 1,486 |
| Earnings coverage of net charge-offs (x) | 9.2814% | 2,168 |
| Efficiency ratio | 75.9257% | 1,174 |
| Assets per employee ($millions) | 5.5795% | 3,117 |
| Cash dividends to net income (ytd only)* | 144.9718% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 791 |
| Loan loss allowance to noncurrent loans | 156.0890% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.7508% | 748 |
| Noncurrent loans to loans | 1.0546% | 760 |
| Net loans and leases to total assets | 69.9300% | 1,835 |
| Net loans and leases to deposits | 78.5675% | 2,192 |
| Net loans and leases to core deposits | 100.4212% | 1,298 |
| Total domestic deposits to total assets | 89.0000% | 1,249 |
| Equity capital to assets | 6.1174% | 3,949 |
| Core capital (leverage) ratio | 9.5754% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6972% | 2,008 |
| Memoranda: | ||
| Average total assets | $1,380,209,250 | 758 |
| Average earning assets | $1,247,057,250 | 767 |
| Average equity | $92,994,750 | 998 |
| Average total loans | $969,905,750 | 748 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8205% | 1,951 |
| Cost of funding earning assets | 1.8557% | 668 |
| Net interest margin | 2.9648% | 3,523 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 2.6448% | 1,809 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.6455% | 3,473 |
| Return on assets (ROA) | 0.6493% | 3,469 |
| Pretax return on assets | 0.7635% | 3,478 |
| Return on Equity (ROE) | 9.3500% | 2,872 |
| Retained earnings to average equity (ytd only) | 2.0804% | 3,708 |
| Net charge-offs to loans | 0.1447% | 529 |
| Credit loss provision to net charge-offs | 135.3276% | 1,259 |
| Earnings coverage of net charge-offs (x) | 8.8490% | 2,041 |
| Efficiency ratio | 74.6934% | 1,282 |
| Assets per employee ($millions) | 5.5330% | 3,119 |
| Cash dividends to net income (ytd only)* | 77.7605% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 813 |
| Loan loss allowance to noncurrent loans | 161.3336% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 715 |
| Noncurrent loans to loans | 1.0309% | 729 |
| Net loans and leases to total assets | 68.9100% | 1,861 |
| Net loans and leases to deposits | 77.1807% | 2,202 |
| Net loans and leases to core deposits | 97.0417% | 1,409 |
| Total domestic deposits to total assets | 89.2800% | 1,146 |
| Equity capital to assets | 7.0115% | 3,792 |
| Core capital (leverage) ratio | 9.8328% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1019% | 1,852 |
| Memoranda: | ||
| Average total assets | $1,386,483,000 | 746 |
| Average earning assets | $1,252,693,000 | 754 |
| Average equity | $96,232,667 | 965 |
| Average total loans | $970,579,000 | 733 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 1,834 |
| Cost of funding earning assets | 1.7038% | 569 |
| Net interest margin | 3.0032% | 3,591 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 2.6785% | 1,728 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.6211% | 3,655 |
| Return on assets (ROA) | 0.6260% | 3,603 |
| Pretax return on assets | 0.7273% | 3,608 |
| Return on Equity (ROE) | 9.0600% | 3,031 |
| Retained earnings to average equity (ytd only) | 9.0645% | 1,931 |
| Net charge-offs to loans | 0.2445% | 311 |
| Credit loss provision to net charge-offs | 109.0604% | 1,068 |
| Earnings coverage of net charge-offs (x) | 5.3087% | 1,821 |
| Efficiency ratio | 74.6799% | 1,278 |
| Assets per employee ($millions) | 5.5208% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 944 |
| Loan loss allowance to noncurrent loans | 363.6971% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 1,580 |
| Noncurrent loans to loans | 0.4486% | 1,599 |
| Net loans and leases to total assets | 68.7400% | 1,762 |
| Net loans and leases to deposits | 76.1060% | 2,106 |
| Net loans and leases to core deposits | 94.5751% | 1,356 |
| Total domestic deposits to total assets | 90.3200% | 1,040 |
| Equity capital to assets | 7.1971% | 3,733 |
| Core capital (leverage) ratio | 9.7473% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1760% | 1,919 |
| Memoranda: | ||
| Average total assets | $1,393,634,000 | 763 |
| Average earning assets | $1,259,573,000 | 770 |
| Average equity | $96,243,500 | 979 |
| Average total loans | $975,093,500 | 743 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 1,380 |
| Cost of funding earning assets | 0.8478% | 327 |
| Net interest margin | 3.2894% | 2,593 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 2.4845% | 2,166 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.0446% | 2,399 |
| Return on assets (ROA) | 1.0406% | 2,355 |
| Pretax return on assets | 1.2609% | 2,232 |
| Return on Equity (ROE) | 13.4600% | 1,664 |
| Retained earnings to average equity (ytd only) | 3.9557% | 3,413 |
| Net charge-offs to loans | 0.1281% | 611 |
| Credit loss provision to net charge-offs | 199.3491% | 1,129 |
| Earnings coverage of net charge-offs (x) | 16.7103% | 1,970 |
| Efficiency ratio | 63.3530% | 2,583 |
| Assets per employee ($millions) | 5.6743% | 3,059 |
| Cash dividends to net income (ytd only)* | 70.6120% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 998 |
| Loan loss allowance to noncurrent loans | 327.4197% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 1,473 |
| Noncurrent loans to loans | 0.4851% | 1,489 |
| Net loans and leases to total assets | 68.9500% | 1,737 |
| Net loans and leases to deposits | 74.5031% | 2,219 |
| Net loans and leases to core deposits | 93.3788% | 1,325 |
| Total domestic deposits to total assets | 92.5400% | 512 |
| Equity capital to assets | 6.6181% | 3,857 |
| Core capital (leverage) ratio | 9.5595% | 3,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8675% | 2,024 |
| Memoranda: | ||
| Average total assets | $1,429,002,200 | 730 |
| Average earning assets | $1,294,808,600 | 733 |
| Average equity | $110,473,200 | 879 |
| Average total loans | $959,740,400 | 712 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 1,282 |
| Cost of funding earning assets | 0.7182% | 240 |
| Net interest margin | 3.2742% | 2,377 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.4509% | 2,156 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.1314% | 1,970 |
| Return on assets (ROA) | 1.1296% | 1,940 |
| Pretax return on assets | 1.3704% | 1,813 |
| Return on Equity (ROE) | 14.1200% | 1,399 |
| Retained earnings to average equity (ytd only) | 11.2150% | 995 |
| Net charge-offs to loans | 0.1562% | 416 |
| Credit loss provision to net charge-offs | 134.1682% | 1,167 |
| Earnings coverage of net charge-offs (x) | 14.5635% | 1,860 |
| Efficiency ratio | 61.8474% | 2,846 |
| Assets per employee ($millions) | 5.6703% | 3,058 |
| Cash dividends to net income (ytd only)* | 20.5508% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,271 |
| Loan loss allowance to noncurrent loans | 259.1045% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 1,332 |
| Noncurrent loans to loans | 0.5820% | 1,381 |
| Net loans and leases to total assets | 68.8200% | 1,581 |
| Net loans and leases to deposits | 76.2052% | 1,859 |
| Net loans and leases to core deposits | 89.5439% | 1,326 |
| Total domestic deposits to total assets | 90.3000% | 1,527 |
| Equity capital to assets | 6.7986% | 3,618 |
| Core capital (leverage) ratio | 9.9244% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2323% | 1,967 |
| Memoranda: | ||
| Average total assets | $1,435,867,250 | 734 |
| Average earning assets | $1,301,871,000 | 738 |
| Average equity | $114,902,750 | 861 |
| Average total loans | $954,202,500 | 713 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 1,279 |
| Cost of funding earning assets | 0.6656% | 190 |
| Net interest margin | 3.1499% | 2,366 |
| Noninterest income to average assets | 0.8190% | 1,004 |
| Noninterest expense to average assets | 2.4169% | 2,176 |
| Loan and lease loss provision to assets | 0.1589% | 589 |
| Net operating income to assets | 0.9161% | 2,514 |
| Return on assets (ROA) | 0.9131% | 2,497 |
| Pretax return on assets | 1.1039% | 2,393 |
| Return on Equity (ROE) | 10.8823% | 2,020 |
| Retained earnings to average equity (ytd only) | 10.8823% | 797 |
| Net charge-offs to loans | 0.0839% | 653 |
| Credit loss provision to net charge-offs | 289.6725% | 812 |
| Earnings coverage of net charge-offs (x) | 23.0882% | 1,494 |
| Efficiency ratio | 65.6189% | 2,563 |
| Assets per employee ($millions) | 5.9797% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 1,300 |
| Loan loss allowance to noncurrent loans | 223.4087% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 1,198 |
| Noncurrent loans to loans | 0.6899% | 1,252 |
| Net loans and leases to total assets | 67.6143% | 1,512 |
| Net loans and leases to deposits | 73.9688% | 1,873 |
| Net loans and leases to core deposits | 85.6698% | 1,363 |
| Total domestic deposits to total assets | 91.4092% | 1,058 |
| Equity capital to assets | 7.3287% | 3,582 |
| Core capital (leverage) ratio | 9.6598% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9674% | 2,077 |
| Memoranda: | ||
| Average total assets | $1,447,631,333 | 717 |
| Average earning assets | $1,316,374,000 | 731 |
| Average equity | $121,463,667 | 833 |
| Average total loans | $946,079,333 | 702 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6675% | 1,350 |
| Cost of funding earning assets | 0.6665% | 186 |
| Net interest margin | 3.0010% | 2,498 |
| Noninterest income to average assets | 0.7295% | 1,220 |
| Noninterest expense to average assets | 2.4194% | 2,103 |
| Loan and lease loss provision to assets | 0.1922% | 386 |
| Net operating income to assets | 0.7272% | 2,952 |
| Return on assets (ROA) | 0.7237% | 2,957 |
| Pretax return on assets | 0.8547% | 2,925 |
| Return on Equity (ROE) | 8.1216% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.1216% | 1,541 |
| Net charge-offs to loans | -0.0164% | 3,807 |
| Credit loss provision to net charge-offs | -1,842.1053% | 3,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7152% | 2,270 |
| Assets per employee ($millions) | 5.7451% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 1,305 |
| Loan loss allowance to noncurrent loans | 196.9503% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 1,142 |
| Noncurrent loans to loans | 0.8067% | 1,175 |
| Net loans and leases to total assets | 63.8919% | 1,636 |
| Net loans and leases to deposits | 71.0353% | 1,864 |
| Net loans and leases to core deposits | 79.4196% | 1,530 |
| Total domestic deposits to total assets | 89.9438% | 1,595 |
| Equity capital to assets | 8.2497% | 3,369 |
| Core capital (leverage) ratio | 9.4741% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9758% | 2,218 |
| Memoranda: | ||
| Average total assets | $1,456,870,500 | 719 |
| Average earning assets | $1,330,609,000 | 722 |
| Average equity | $129,826,000 | 793 |
| Average total loans | $928,399,500 | 708 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 1,661 |
| Cost of funding earning assets | 0.9908% | 78 |
| Net interest margin | 2.8930% | 3,459 |
| Noninterest income to average assets | 0.9080% | 1,181 |
| Noninterest expense to average assets | 2.3697% | 2,589 |
| Loan and lease loss provision to assets | 0.1185% | 1,059 |
| Net operating income to assets | 0.8504% | 3,186 |
| Return on assets (ROA) | 0.8559% | 3,235 |
| Pretax return on assets | 1.0737% | 3,052 |
| Return on Equity (ROE) | 9.2124% | 2,823 |
| Retained earnings to average equity (ytd only) | 9.2124% | 1,134 |
| Net charge-offs to loans | 0.2673% | 335 |
| Credit loss provision to net charge-offs | 68.2457% | 2,024 |
| Earnings coverage of net charge-offs (x) | 6.8290% | 2,379 |
| Efficiency ratio | 66.6582% | 2,169 |
| Assets per employee ($millions) | 5.6372% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 1,289 |
| Loan loss allowance to noncurrent loans | 116.1160% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 684 |
| Noncurrent loans to loans | 1.3668% | 683 |
| Net loans and leases to total assets | 61.5222% | 1,996 |
| Net loans and leases to deposits | 68.8491% | 2,236 |
| Net loans and leases to core deposits | 78.8827% | 1,687 |
| Total domestic deposits to total assets | 89.3579% | 1,319 |
| Equity capital to assets | 9.5803% | 3,064 |
| Core capital (leverage) ratio | 9.4113% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2803% | 2,134 |
| Memoranda: | ||
| Average total assets | $1,435,175,600 | 704 |
| Average earning assets | $1,313,129,400 | 708 |
| Average equity | $133,342,600 | 780 |
| Average total loans | $931,922,200 | 700 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 1,768 |
| Cost of funding earning assets | 1.0648% | 65 |
| Net interest margin | 2.8342% | 3,697 |
| Noninterest income to average assets | 0.9210% | 1,213 |
| Noninterest expense to average assets | 2.3469% | 2,604 |
| Loan and lease loss provision to assets | 0.0931% | 1,279 |
| Net operating income to assets | 0.8523% | 3,381 |
| Return on assets (ROA) | 0.8584% | 3,427 |
| Pretax return on assets | 1.0784% | 3,247 |
| Return on Equity (ROE) | 9.3123% | 2,999 |
| Retained earnings to average equity (ytd only) | 9.3123% | 1,571 |
| Net charge-offs to loans | 0.3491% | 223 |
| Credit loss provision to net charge-offs | 40.7000% | 1,919 |
| Earnings coverage of net charge-offs (x) | 5.0871% | 2,238 |
| Efficiency ratio | 66.8470% | 1,991 |
| Assets per employee ($millions) | 5.4948% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 1,700 |
| Loan loss allowance to noncurrent loans | 146.0522% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 921 |
| Noncurrent loans to loans | 1.0157% | 1,130 |
| Net loans and leases to total assets | 62.7494% | 1,920 |
| Net loans and leases to deposits | 70.3689% | 2,198 |
| Net loans and leases to core deposits | 80.3216% | 1,701 |
| Total domestic deposits to total assets | 89.1721% | 1,181 |
| Equity capital to assets | 9.4340% | 3,435 |
| Core capital (leverage) ratio | 9.2078% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8852% | 2,402 |
| Memoranda: | ||
| Average total assets | $1,431,782,500 | 718 |
| Average earning assets | $1,308,317,000 | 719 |
| Average equity | $131,979,500 | 801 |
| Average total loans | $938,484,000 | 713 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 1,672 |
| Cost of funding earning assets | 1.1342% | 60 |
| Net interest margin | 2.8173% | 3,754 |
| Noninterest income to average assets | 0.8907% | 1,294 |
| Noninterest expense to average assets | 2.3568% | 2,597 |
| Loan and lease loss provision to assets | -0.2384% | 4,795 |
| Net operating income to assets | 1.0472% | 2,731 |
| Return on assets (ROA) | 1.0553% | 2,775 |
| Pretax return on assets | 1.3546% | 2,461 |
| Return on Equity (ROE) | 11.5013% | 2,235 |
| Retained earnings to average equity (ytd only) | 11.5013% | 1,013 |
| Net charge-offs to loans | 0.0511% | 1,109 |
| Credit loss provision to net charge-offs | -705.3942% | 3,566 |
| Earnings coverage of net charge-offs (x) | 32.7220% | 1,265 |
| Efficiency ratio | 68.0625% | 1,874 |
| Assets per employee ($millions) | 5.5212% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,891 |
| Loan loss allowance to noncurrent loans | 68.9576% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.4556% | 403 |
| Noncurrent loans to loans | 2.0584% | 464 |
| Net loans and leases to total assets | 63.2504% | 2,036 |
| Net loans and leases to deposits | 71.1291% | 2,288 |
| Net loans and leases to core deposits | 81.2020% | 1,777 |
| Total domestic deposits to total assets | 88.9234% | 1,319 |
| Equity capital to assets | 9.3174% | 3,497 |
| Core capital (leverage) ratio | 9.0735% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6611% | 2,486 |
| Memoranda: | ||
| Average total assets | $1,426,143,333 | 718 |
| Average earning assets | $1,302,040,333 | 722 |
| Average equity | $130,855,000 | 804 |
| Average total loans | $943,320,333 | 711 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0267% | 1,554 |
| Cost of funding earning assets | 1.1774% | 61 |
| Net interest margin | 2.8493% | 3,639 |
| Noninterest income to average assets | 1.0057% | 1,120 |
| Noninterest expense to average assets | 2.3176% | 2,732 |
| Loan and lease loss provision to assets | 0.0849% | 1,539 |
| Net operating income to assets | 0.9382% | 3,013 |
| Return on assets (ROA) | 0.9547% | 3,048 |
| Pretax return on assets | 1.2228% | 2,780 |
| Return on Equity (ROE) | 10.4886% | 2,536 |
| Retained earnings to average equity (ytd only) | 10.4886% | 1,519 |
| Net charge-offs to loans | 0.0105% | 1,550 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 181.8400% | 429 |
| Efficiency ratio | 64.3003% | 2,428 |
| Assets per employee ($millions) | 5.5362% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 1,174 |
| Loan loss allowance to noncurrent loans | 61.2455% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 2.2399% | 205 |
| Noncurrent loans to loans | 2.6903% | 322 |
| Net loans and leases to total assets | 63.7821% | 2,073 |
| Net loans and leases to deposits | 71.4739% | 2,367 |
| Net loans and leases to core deposits | 81.0631% | 1,902 |
| Total domestic deposits to total assets | 89.2384% | 1,212 |
| Equity capital to assets | 8.9039% | 3,783 |
| Core capital (leverage) ratio | 9.0098% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4530% | 2,510 |
| Memoranda: | ||
| Average total assets | $1,413,179,000 | 715 |
| Average earning assets | $1,288,896,000 | 719 |
| Average equity | $128,635,000 | 807 |
| Average total loans | $949,147,500 | 703 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 1,298 |
| Cost of funding earning assets | 1.4090% | 124 |
| Net interest margin | 3.0976% | 3,633 |
| Noninterest income to average assets | 1.1259% | 843 |
| Noninterest expense to average assets | 2.6363% | 2,433 |
| Loan and lease loss provision to assets | 1.1447% | 62 |
| Net operating income to assets | 0.1570% | 4,619 |
| Return on assets (ROA) | 0.2716% | 4,541 |
| Pretax return on assets | 0.3086% | 4,532 |
| Return on Equity (ROE) | 3.0415% | 4,368 |
| Retained earnings to average equity (ytd only) | 1.9696% | 3,836 |
| Net charge-offs to loans | 1.3467% | 82 |
| Credit loss provision to net charge-offs | 112.3722% | 2,703 |
| Earnings coverage of net charge-offs (x) | 1.2989% | 3,268 |
| Efficiency ratio | 66.5835% | 2,435 |
| Assets per employee ($millions) | 5.2726% | 3,076 |
| Cash dividends to net income (ytd only)* | 35.2410% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 1,358 |
| Loan loss allowance to noncurrent loans | 54.9019% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.5611% | 173 |
| Noncurrent loans to loans | 2.8736% | 316 |
| Net loans and leases to total assets | 68.4859% | 1,763 |
| Net loans and leases to deposits | 75.9187% | 2,289 |
| Net loans and leases to core deposits | 87.3566% | 1,756 |
| Total domestic deposits to total assets | 90.2096% | 479 |
| Equity capital to assets | 9.2956% | 3,790 |
| Core capital (leverage) ratio | 9.0744% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8575% | 2,685 |
| Memoranda: | ||
| Average total assets | $1,306,015,400 | 702 |
| Average earning assets | $1,194,659,000 | 702 |
| Average equity | $116,620,800 | 845 |
| Average total loans | $987,895,600 | 653 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 1,233 |
| Cost of funding earning assets | 1.4589% | 139 |
| Net interest margin | 3.1690% | 3,569 |
| Noninterest income to average assets | 0.9809% | 1,058 |
| Noninterest expense to average assets | 2.6590% | 2,365 |
| Loan and lease loss provision to assets | 1.4346% | 67 |
| Net operating income to assets | -0.1481% | 4,828 |
| Return on assets (ROA) | -0.0098% | 4,795 |
| Pretax return on assets | -0.0375% | 4,800 |
| Return on Equity (ROE) | -0.1114% | 4,798 |
| Retained earnings to average equity (ytd only) | -1.5776% | 4,669 |
| Net charge-offs to loans | 1.6433% | 65 |
| Credit loss provision to net charge-offs | 112.9874% | 2,530 |
| Earnings coverage of net charge-offs (x) | 0.9626% | 3,104 |
| Efficiency ratio | 68.5100% | 2,112 |
| Assets per employee ($millions) | 5.0299% | 3,213 |
| Cash dividends to net income (ytd only)* | -1,315.7895% | 5,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 1,351 |
| Loan loss allowance to noncurrent loans | 51.3840% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 2.8023% | 167 |
| Noncurrent loans to loans | 2.9398% | 319 |
| Net loans and leases to total assets | 73.0877% | 1,487 |
| Net loans and leases to deposits | 81.2514% | 2,176 |
| Net loans and leases to core deposits | 89.9025% | 1,981 |
| Total domestic deposits to total assets | 89.9526% | 442 |
| Equity capital to assets | 9.1707% | 3,977 |
| Core capital (leverage) ratio | 9.0738% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2129% | 2,864 |
| Memoranda: | ||
| Average total assets | $1,287,164,500 | 692 |
| Average earning assets | $1,178,024,250 | 701 |
| Average equity | $113,673,250 | 861 |
| Average total loans | $994,559,000 | 633 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 1,150 |
| Cost of funding earning assets | 1.5034% | 162 |
| Net interest margin | 3.3064% | 3,367 |
| Noninterest income to average assets | 0.7811% | 1,485 |
| Noninterest expense to average assets | 2.6871% | 2,424 |
| Loan and lease loss provision to assets | 2.0049% | 53 |
| Net operating income to assets | -0.6887% | 4,932 |
| Return on assets (ROA) | -0.4780% | 4,911 |
| Pretax return on assets | -0.6166% | 4,918 |
| Return on Equity (ROE) | -5.4877% | 4,933 |
| Retained earnings to average equity (ytd only) | -7.7530% | 4,872 |
| Net charge-offs to loans | 2.4503% | 47 |
| Credit loss provision to net charge-offs | 104.4322% | 2,368 |
| Earnings coverage of net charge-offs (x) | 0.5842% | 2,914 |
| Efficiency ratio | 70.5504% | 1,875 |
| Assets per employee ($millions) | 5.2367% | 2,901 |
| Cash dividends to net income (ytd only)* | -41.2814% | 5,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 1,630 |
| Loan loss allowance to noncurrent loans | 45.2011% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.5919% | 211 |
| Noncurrent loans to loans | 3.0721% | 307 |
| Net loans and leases to total assets | 74.7607% | 1,308 |
| Net loans and leases to deposits | 82.2847% | 2,174 |
| Net loans and leases to core deposits | 89.2681% | 2,134 |
| Total domestic deposits to total assets | 90.8561% | 185 |
| Equity capital to assets | 8.2226% | 4,626 |
| Core capital (leverage) ratio | 8.2981% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2652% | 3,128 |
| Memoranda: | ||
| Average total assets | $1,266,881,000 | 687 |
| Average earning assets | $1,160,047,667 | 694 |
| Average equity | $110,356,667 | 873 |
| Average total loans | $992,630,667 | 628 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 1,143 |
| Cost of funding earning assets | 1.6136% | 181 |
| Net interest margin | 3.3079% | 3,574 |
| Noninterest income to average assets | 0.7201% | 1,566 |
| Noninterest expense to average assets | 2.7956% | 2,444 |
| Loan and lease loss provision to assets | 3.4398% | 30 |
| Net operating income to assets | -1.9727% | 5,051 |
| Return on assets (ROA) | -1.8984% | 5,034 |
| Pretax return on assets | -2.4010% | 5,041 |
| Return on Equity (ROE) | -21.1508% | 5,062 |
| Retained earnings to average equity (ytd only) | -25.6702% | 5,014 |
| Net charge-offs to loans | 0.3374% | 427 |
| Credit loss provision to net charge-offs | 1,278.6490% | 482 |
| Earnings coverage of net charge-offs (x) | 3.5115% | 2,209 |
| Efficiency ratio | 74.7441% | 1,721 |
| Assets per employee ($millions) | 4.2770% | 3,558 |
| Cash dividends to net income (ytd only)* | -21.3675% | 5,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3502% | 305 |
| Loan loss allowance to noncurrent loans | 59.5642% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 3.3115% | 159 |
| Noncurrent loans to loans | 3.9456% | 200 |
| Net loans and leases to total assets | 78.8318% | 855 |
| Net loans and leases to deposits | 87.0439% | 1,867 |
| Net loans and leases to core deposits | 95.2426% | 1,862 |
| Total domestic deposits to total assets | 90.5656% | 182 |
| Equity capital to assets | 8.7870% | 4,698 |
| Core capital (leverage) ratio | 8.4747% | 4,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2195% | 3,295 |
| Memoranda: | ||
| Average total assets | $1,232,639,500 | 673 |
| Average earning assets | $1,125,438,500 | 679 |
| Average equity | $110,634,000 | 866 |
| Average total loans | $982,753,500 | 608 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1321% | 1,148 |
| Cost of funding earning assets | 1.6784% | 210 |
| Net interest margin | 3.4536% | 3,579 |
| Noninterest income to average assets | 0.7805% | 1,513 |
| Noninterest expense to average assets | 2.6864% | 2,922 |
| Loan and lease loss provision to assets | 0.5132% | 250 |
| Net operating income to assets | 0.6227% | 4,095 |
| Return on assets (ROA) | 0.6237% | 4,156 |
| Pretax return on assets | 0.7725% | 4,040 |
| Return on Equity (ROE) | 6.8722% | 3,596 |
| Retained earnings to average equity (ytd only) | 4.5691% | 2,669 |
| Net charge-offs to loans | 0.3569% | 560 |
| Credit loss provision to net charge-offs | 180.2476% | 1,452 |
| Earnings coverage of net charge-offs (x) | 4.5117% | 3,208 |
| Efficiency ratio | 67.6534% | 2,509 |
| Assets per employee ($millions) | 4.4869% | 3,241 |
| Cash dividends to net income (ytd only)* | 33.5129% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 1,869 |
| Loan loss allowance to noncurrent loans | 40.4787% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 2.6539% | 231 |
| Noncurrent loans to loans | 3.2368% | 269 |
| Net loans and leases to total assets | 77.6656% | 1,132 |
| Net loans and leases to deposits | 86.0314% | 2,083 |
| Net loans and leases to core deposits | 99.6281% | 1,592 |
| Total domestic deposits to total assets | 90.2758% | 243 |
| Equity capital to assets | 9.2056% | 4,566 |
| Core capital (leverage) ratio | 9.1000% | 4,448 |
| Tier 1 risk-based capital ratio | 10.9110% | 4,884 |
| Total risk-based capital ratio | 12.1501% | 4,800 |
| Memoranda: | ||
| Average total assets | $1,219,911,000 | 651 |
| Average earning assets | $1,126,896,400 | 643 |
| Average equity | $110,721,200 | 822 |
| Average total loans | $973,053,200 | 589 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 1,094 |
| Cost of funding earning assets | 1.6972% | 202 |
| Net interest margin | 3.4771% | 3,641 |
| Noninterest income to average assets | 0.7122% | 1,731 |
| Noninterest expense to average assets | 2.6606% | 2,979 |
| Loan and lease loss provision to assets | 0.3258% | 430 |
| Net operating income to assets | 0.7592% | 3,814 |
| Return on assets (ROA) | 0.7604% | 3,878 |
| Pretax return on assets | 0.9416% | 3,762 |
| Return on Equity (ROE) | 8.4085% | 3,152 |
| Retained earnings to average equity (ytd only) | 5.3149% | 2,725 |
| Net charge-offs to loans | 0.1570% | 1,056 |
| Credit loss provision to net charge-offs | 259.3886% | 1,055 |
| Earnings coverage of net charge-offs (x) | 10.0786% | 2,525 |
| Efficiency ratio | 67.7573% | 2,463 |
| Assets per employee ($millions) | 4.5509% | 3,119 |
| Cash dividends to net income (ytd only)* | 36.7913% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,520 |
| Loan loss allowance to noncurrent loans | 37.6799% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 2.6898% | 228 |
| Noncurrent loans to loans | 3.1798% | 292 |
| Net loans and leases to total assets | 79.2373% | 957 |
| Net loans and leases to deposits | 89.0329% | 1,809 |
| Net loans and leases to core deposits | 95.5308% | 2,039 |
| Total domestic deposits to total assets | 88.9978% | 611 |
| Equity capital to assets | 9.2314% | 4,647 |
| Core capital (leverage) ratio | 9.1684% | 4,505 |
| Tier 1 risk-based capital ratio | 10.7318% | 5,007 |
| Total risk-based capital ratio | 11.8623% | 4,968 |
| Memoranda: | ||
| Average total assets | $1,215,294,750 | 655 |
| Average earning assets | $1,123,476,000 | 645 |
| Average equity | $109,901,500 | 824 |
| Average total loans | $972,676,250 | 589 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 1,025 |
| Cost of funding earning assets | 1.6780% | 197 |
| Net interest margin | 3.5000% | 3,594 |
| Noninterest income to average assets | 0.6724% | 1,822 |
| Noninterest expense to average assets | 2.6668% | 3,010 |
| Loan and lease loss provision to assets | 0.2775% | 532 |
| Net operating income to assets | 0.7884% | 3,696 |
| Return on assets (ROA) | 0.7884% | 3,753 |
| Pretax return on assets | 0.9703% | 3,647 |
| Return on Equity (ROE) | 8.7799% | 2,944 |
| Retained earnings to average equity (ytd only) | 7.8602% | 1,445 |
| Net charge-offs to loans | 0.1912% | 865 |
| Credit loss provision to net charge-offs | 181.4255% | 1,311 |
| Earnings coverage of net charge-offs (x) | 8.1577% | 2,439 |
| Efficiency ratio | 68.1252% | 2,515 |
| Assets per employee ($millions) | 4.6103% | 2,993 |
| Cash dividends to net income (ytd only)* | 10.4756% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,140 |
| Loan loss allowance to noncurrent loans | 71.1606% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.3336% | 936 |
| Noncurrent loans to loans | 1.5256% | 1,008 |
| Net loans and leases to total assets | 78.2920% | 1,167 |
| Net loans and leases to deposits | 86.6117% | 2,184 |
| Net loans and leases to core deposits | 94.6202% | 2,190 |
| Total domestic deposits to total assets | 90.3942% | 213 |
| Equity capital to assets | 8.9805% | 4,809 |
| Core capital (leverage) ratio | 8.9783% | 4,642 |
| Tier 1 risk-based capital ratio | 10.7506% | 5,017 |
| Total risk-based capital ratio | 11.7904% | 5,005 |
| Memoranda: | ||
| Average total assets | $1,210,812,000 | 653 |
| Average earning assets | $1,121,584,000 | 647 |
| Average equity | $108,725,330 | 827 |
| Average total loans | $968,425,000 | 595 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 1,164 |
| Cost of funding earning assets | 1.6072% | 222 |
| Net interest margin | 3.4638% | 3,705 |
| Noninterest income to average assets | 0.6140% | 1,980 |
| Noninterest expense to average assets | 2.7353% | 2,791 |
| Loan and lease loss provision to assets | 0.1813% | 911 |
| Net operating income to assets | 0.7140% | 3,888 |
| Return on assets (ROA) | 0.7140% | 3,933 |
| Pretax return on assets | 0.9054% | 3,752 |
| Return on Equity (ROE) | 7.9524% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.0177% | 2,035 |
| Net charge-offs to loans | -0.0033% | 3,939 |
| Credit loss provision to net charge-offs | -6,750.0000% | 4,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5679% | 2,103 |
| Assets per employee ($millions) | 4.6935% | 2,928 |
| Cash dividends to net income (ytd only)* | 11.7536% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,177 |
| Loan loss allowance to noncurrent loans | 81.5520% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.1516% | 1,181 |
| Noncurrent loans to loans | 1.3387% | 1,218 |
| Net loans and leases to total assets | 78.7814% | 1,019 |
| Net loans and leases to deposits | 87.8277% | 1,896 |
| Net loans and leases to core deposits | 105.0517% | 1,240 |
| Total domestic deposits to total assets | 89.7000% | 561 |
| Equity capital to assets | 8.9384% | 4,726 |
| Core capital (leverage) ratio | 9.0573% | 4,615 |
| Tier 1 risk-based capital ratio | 10.7334% | 5,092 |
| Total risk-based capital ratio | 11.7816% | 5,075 |
| Memoranda: | ||
| Average total assets | $1,191,523,000 | 670 |
| Average earning assets | $1,103,532,000 | 663 |
| Average equity | $106,987,000 | 831 |
| Average total loans | $958,183,500 | 602 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 1,287 |
| Cost of funding earning assets | 1.2671% | 255 |
| Net interest margin | 3.6334% | 3,269 |
| Noninterest income to average assets | 0.6836% | 1,916 |
| Noninterest expense to average assets | 2.5129% | 3,576 |
| Loan and lease loss provision to assets | 0.2815% | 587 |
| Net operating income to assets | 1.0082% | 2,969 |
| Return on assets (ROA) | 1.0082% | 2,956 |
| Pretax return on assets | 1.2535% | 2,683 |
| Return on Equity (ROE) | 11.2715% | 1,983 |
| Retained earnings to average equity (ytd only) | 10.7679% | 477 |
| Net charge-offs to loans | 0.1335% | 1,416 |
| Credit loss provision to net charge-offs | 256.7790% | 1,165 |
| Earnings coverage of net charge-offs (x) | 14.0008% | 2,407 |
| Efficiency ratio | 62.0783% | 3,507 |
| Assets per employee ($millions) | 4.9667% | 2,544 |
| Cash dividends to net income (ytd only)* | 4.4679% | 3,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,390 |
| Loan loss allowance to noncurrent loans | 72.1973% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.2706% | 1,009 |
| Noncurrent loans to loans | 1.4525% | 1,060 |
| Net loans and leases to total assets | 80.3561% | 889 |
| Net loans and leases to deposits | 89.7959% | 1,827 |
| Net loans and leases to core deposits | 108.0601% | 1,113 |
| Total domestic deposits to total assets | 89.4875% | 665 |
| Equity capital to assets | 9.0210% | 4,560 |
| Core capital (leverage) ratio | 9.2738% | 4,378 |
| Tier 1 risk-based capital ratio | 10.2790% | 5,247 |
| Total risk-based capital ratio | 11.2449% | 5,259 |
| Memoranda: | ||
| Average total assets | $1,109,987,600 | 696 |
| Average earning assets | $1,027,809,600 | 687 |
| Average equity | $99,285,400 | 859 |
| Average total loans | $911,772,200 | 609 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 1,410 |
| Cost of funding earning assets | 1.2056% | 246 |
| Net interest margin | 3.6007% | 3,361 |
| Noninterest income to average assets | 0.6737% | 1,966 |
| Noninterest expense to average assets | 2.6112% | 3,249 |
| Loan and lease loss provision to assets | 0.3064% | 473 |
| Net operating income to assets | 0.8676% | 3,672 |
| Return on assets (ROA) | 0.8676% | 3,675 |
| Pretax return on assets | 1.0918% | 3,427 |
| Return on Equity (ROE) | 9.7221% | 2,743 |
| Retained earnings to average equity (ytd only) | 9.2102% | 1,148 |
| Net charge-offs to loans | 0.1641% | 1,006 |
| Credit loss provision to net charge-offs | 226.5766% | 1,266 |
| Earnings coverage of net charge-offs (x) | 10.3397% | 2,591 |
| Efficiency ratio | 65.1272% | 3,016 |
| Assets per employee ($millions) | 4.9570% | 2,523 |
| Cash dividends to net income (ytd only)* | 5.2654% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,580 |
| Loan loss allowance to noncurrent loans | 70.3712% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 1,032 |
| Noncurrent loans to loans | 1.4645% | 1,112 |
| Net loans and leases to total assets | 80.5410% | 940 |
| Net loans and leases to deposits | 89.2260% | 1,992 |
| Net loans and leases to core deposits | 102.5320% | 1,562 |
| Total domestic deposits to total assets | 90.2663% | 419 |
| Equity capital to assets | 8.8721% | 4,664 |
| Core capital (leverage) ratio | 9.1989% | 4,512 |
| Tier 1 risk-based capital ratio | 10.4648% | 5,248 |
| Total risk-based capital ratio | 11.4319% | 5,266 |
| Memoranda: | ||
| Average total assets | $1,094,452,000 | 702 |
| Average earning assets | $1,013,875,750 | 693 |
| Average equity | $97,672,250 | 862 |
| Average total loans | $901,750,250 | 608 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 1,406 |
| Cost of funding earning assets | 1.1513% | 226 |
| Net interest margin | 3.5888% | 3,363 |
| Noninterest income to average assets | 0.6937% | 1,892 |
| Noninterest expense to average assets | 2.6471% | 3,174 |
| Loan and lease loss provision to assets | 0.3233% | 424 |
| Net operating income to assets | 0.8341% | 3,740 |
| Return on assets (ROA) | 0.8341% | 3,744 |
| Pretax return on assets | 1.0503% | 3,515 |
| Return on Equity (ROE) | 9.3280% | 2,879 |
| Retained earnings to average equity (ytd only) | 8.8115% | 1,273 |
| Net charge-offs to loans | 0.1675% | 929 |
| Credit loss provision to net charge-offs | 233.3333% | 1,187 |
| Earnings coverage of net charge-offs (x) | 9.9133% | 2,363 |
| Efficiency ratio | 65.8365% | 3,012 |
| Assets per employee ($millions) | 4.8394% | 2,632 |
| Cash dividends to net income (ytd only)* | 5.5371% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,875 |
| Loan loss allowance to noncurrent loans | 64.5239% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 1,004 |
| Noncurrent loans to loans | 1.5425% | 1,075 |
| Net loans and leases to total assets | 81.4483% | 780 |
| Net loans and leases to deposits | 92.8493% | 1,495 |
| Net loans and leases to core deposits | 105.1822% | 1,303 |
| Total domestic deposits to total assets | 87.7209% | 1,522 |
| Equity capital to assets | 8.8806% | 4,662 |
| Core capital (leverage) ratio | 9.2069% | 4,456 |
| Tier 1 risk-based capital ratio | 10.5762% | 5,239 |
| Total risk-based capital ratio | 11.5351% | 5,268 |
| Memoranda: | ||
| Average total assets | $1,082,539,670 | 708 |
| Average earning assets | $1,003,553,330 | 701 |
| Average equity | $96,805,670 | 875 |
| Average total loans | $895,752,000 | 611 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 1,449 |
| Cost of funding earning assets | 1.1161% | 211 |
| Net interest margin | 3.5292% | 3,427 |
| Noninterest income to average assets | 0.7097% | 1,787 |
| Noninterest expense to average assets | 2.7069% | 3,022 |
| Loan and lease loss provision to assets | 0.4300% | 250 |
| Net operating income to assets | 0.6697% | 4,213 |
| Return on assets (ROA) | 0.6697% | 4,215 |
| Pretax return on assets | 0.8399% | 4,055 |
| Return on Equity (ROE) | 7.4625% | 3,607 |
| Retained earnings to average equity (ytd only) | 6.9417% | 2,303 |
| Net charge-offs to loans | 0.2028% | 725 |
| Credit loss provision to net charge-offs | 255.5556% | 898 |
| Earnings coverage of net charge-offs (x) | 7.5467% | 2,078 |
| Efficiency ratio | 68.0677% | 2,823 |
| Assets per employee ($millions) | 4.7395% | 2,806 |
| Cash dividends to net income (ytd only)* | 6.9793% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 4,060 |
| Loan loss allowance to noncurrent loans | 60.9575% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.4644% | 974 |
| Noncurrent loans to loans | 1.6090% | 1,078 |
| Net loans and leases to total assets | 82.3252% | 625 |
| Net loans and leases to deposits | 91.1849% | 1,537 |
| Net loans and leases to core deposits | 104.3655% | 1,350 |
| Total domestic deposits to total assets | 90.2839% | 550 |
| Equity capital to assets | 8.9349% | 4,627 |
| Core capital (leverage) ratio | 9.1190% | 4,544 |
| Tier 1 risk-based capital ratio | 10.2198% | 5,437 |
| Total risk-based capital ratio | 11.1398% | 5,472 |
| Memoranda: | ||
| Average total assets | $1,069,695,500 | 714 |
| Average earning assets | $990,247,000 | 713 |
| Average equity | $96,000,000 | 885 |
| Average total loans | $887,774,500 | 620 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 1,006 |
| Cost of funding earning assets | 1.0282% | 184 |
| Net interest margin | 3.7553% | 2,579 |
| Noninterest income to average assets | 0.7631% | 1,720 |
| Noninterest expense to average assets | 2.6366% | 3,327 |
| Loan and lease loss provision to assets | 0.4297% | 330 |
| Net operating income to assets | 0.7838% | 3,234 |
| Return on assets (ROA) | 0.7840% | 3,271 |
| Pretax return on assets | 1.1916% | 2,806 |
| Return on Equity (ROE) | 8.5500% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.0125% | 759 |
| Net charge-offs to loans | 0.5434% | 431 |
| Credit loss provision to net charge-offs | 92.1581% | 2,747 |
| Earnings coverage of net charge-offs (x) | 3.4764% | 3,600 |
| Efficiency ratio | 61.9265% | 3,951 |
| Assets per employee ($millions) | 4.9011% | 2,598 |
| Cash dividends to net income (ytd only)* | 6.2861% | 4,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 4,385 |
| Loan loss allowance to noncurrent loans | 158.7183% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6068% | 2,522 |
| Noncurrent loans to loans | 0.5774% | 2,775 |
| Net loans and leases to total assets | 82.0848% | 672 |
| Net loans and leases to deposits | 90.8227% | 1,676 |
| Net loans and leases to core deposits | 106.5158% | 1,233 |
| Total domestic deposits to total assets | 90.3792% | 440 |
| Equity capital to assets | 9.0146% | 4,700 |
| Core capital (leverage) ratio | 9.0640% | 4,570 |
| Tier 1 risk-based capital ratio | 10.5755% | 5,341 |
| Total risk-based capital ratio | 11.4658% | 5,394 |
| Memoranda: | ||
| Average total assets | $1,014,593,000 | 729 |
| Average earning assets | $944,159,000 | 714 |
| Average equity | $93,029,600 | 881 |
| Average total loans | $870,672,200 | 604 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 966 |
| Cost of funding earning assets | 1.0000% | 196 |
| Net interest margin | 3.7770% | 2,479 |
| Noninterest income to average assets | 0.7746% | 1,686 |
| Noninterest expense to average assets | 2.6496% | 3,247 |
| Loan and lease loss provision to assets | 0.2354% | 762 |
| Net operating income to assets | 0.9428% | 2,817 |
| Return on assets (ROA) | 0.9431% | 2,879 |
| Pretax return on assets | 1.4093% | 2,090 |
| Return on Equity (ROE) | 10.2396% | 2,021 |
| Retained earnings to average equity (ytd only) | 9.6980% | 653 |
| Net charge-offs to loans | 0.0429% | 2,582 |
| Credit loss provision to net charge-offs | 634.4086% | 519 |
| Earnings coverage of net charge-offs (x) | 44.3083% | 1,212 |
| Efficiency ratio | 61.7050% | 3,923 |
| Assets per employee ($millions) | 4.7954% | 2,702 |
| Cash dividends to net income (ytd only)* | 5.2892% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 3,429 |
| Loan loss allowance to noncurrent loans | 79.2218% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.2207% | 1,343 |
| Noncurrent loans to loans | 1.4030% | 1,330 |
| Net loans and leases to total assets | 84.9519% | 343 |
| Net loans and leases to deposits | 95.0914% | 1,195 |
| Net loans and leases to core deposits | 111.0751% | 971 |
| Total domestic deposits to total assets | 89.3371% | 730 |
| Equity capital to assets | 9.1911% | 4,734 |
| Core capital (leverage) ratio | 9.2063% | 4,513 |
| Tier 1 risk-based capital ratio | 10.3639% | 5,494 |
| Total risk-based capital ratio | 11.4403% | 5,506 |
| Memoranda: | ||
| Average total assets | $1,002,358,750 | 738 |
| Average earning assets | $933,990,250 | 728 |
| Average equity | $92,318,750 | 890 |
| Average total loans | $868,072,500 | 606 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 1,037 |
| Cost of funding earning assets | 0.9611% | 210 |
| Net interest margin | 3.7490% | 2,473 |
| Noninterest income to average assets | 0.7573% | 1,740 |
| Noninterest expense to average assets | 2.6263% | 3,349 |
| Loan and lease loss provision to assets | 0.1576% | 1,267 |
| Net operating income to assets | 0.9842% | 2,509 |
| Return on assets (ROA) | 0.9846% | 2,552 |
| Pretax return on assets | 1.4709% | 1,753 |
| Return on Equity (ROE) | 10.6829% | 1,765 |
| Retained earnings to average equity (ytd only) | 10.1347% | 553 |
| Net charge-offs to loans | 0.0412% | 2,372 |
| Credit loss provision to net charge-offs | 440.6780% | 733 |
| Earnings coverage of net charge-offs (x) | 45.5085% | 1,149 |
| Efficiency ratio | 61.7340% | 4,041 |
| Assets per employee ($millions) | 4.8087% | 2,634 |
| Cash dividends to net income (ytd only)* | 5.1314% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 4,029 |
| Loan loss allowance to noncurrent loans | 62.3012% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.4575% | 1,063 |
| Noncurrent loans to loans | 1.6371% | 1,124 |
| Net loans and leases to total assets | 85.7268% | 291 |
| Net loans and leases to deposits | 100.1068% | 727 |
| Net loans and leases to core deposits | 117.3674% | 669 |
| Total domestic deposits to total assets | 85.6353% | 2,557 |
| Equity capital to assets | 9.1499% | 4,758 |
| Core capital (leverage) ratio | 9.3461% | 4,305 |
| Tier 1 risk-based capital ratio | 10.2450% | 5,562 |
| Total risk-based capital ratio | 11.2357% | 5,589 |
| Memoranda: | ||
| Average total assets | $989,612,000 | 751 |
| Average earning assets | $923,081,000 | 741 |
| Average equity | $91,211,000 | 902 |
| Average total loans | $859,448,330 | 615 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6993% | 939 |
| Cost of funding earning assets | 0.9401% | 225 |
| Net interest margin | 3.7592% | 2,264 |
| Noninterest income to average assets | 0.8384% | 1,437 |
| Noninterest expense to average assets | 2.6753% | 3,239 |
| Loan and lease loss provision to assets | 0.1604% | 1,122 |
| Net operating income to assets | 1.0170% | 2,237 |
| Return on assets (ROA) | 1.0170% | 2,290 |
| Pretax return on assets | 1.5115% | 1,498 |
| Return on Equity (ROE) | 10.9919% | 1,572 |
| Retained earnings to average equity (ytd only) | 10.4361% | 718 |
| Net charge-offs to loans | 0.0194% | 2,402 |
| Credit loss provision to net charge-offs | 951.2195% | 342 |
| Earnings coverage of net charge-offs (x) | 99.1220% | 539 |
| Efficiency ratio | 61.5406% | 4,219 |
| Assets per employee ($millions) | 5.0041% | 2,444 |
| Cash dividends to net income (ytd only)* | 5.0566% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 4,120 |
| Loan loss allowance to noncurrent loans | 62.8970% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.4637% | 1,119 |
| Noncurrent loans to loans | 1.6322% | 1,194 |
| Net loans and leases to total assets | 85.9924% | 222 |
| Net loans and leases to deposits | 98.7237% | 706 |
| Net loans and leases to core deposits | 118.4779% | 506 |
| Total domestic deposits to total assets | 87.1041% | 2,157 |
| Equity capital to assets | 9.2481% | 4,570 |
| Core capital (leverage) ratio | 9.4008% | 4,232 |
| Tier 1 risk-based capital ratio | 10.3117% | 5,619 |
| Total risk-based capital ratio | 11.3049% | 5,645 |
| Memoranda: | ||
| Average total assets | $972,286,500 | 777 |
| Average earning assets | $907,541,000 | 762 |
| Average equity | $89,957,000 | 910 |
| Average total loans | $845,614,500 | 625 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 831 |
| Cost of funding earning assets | 0.9279% | 252 |
| Net interest margin | 3.9062% | 1,944 |
| Noninterest income to average assets | 0.7576% | 1,927 |
| Noninterest expense to average assets | 2.6080% | 3,652 |
| Loan and lease loss provision to assets | 0.0391% | 3,595 |
| Net operating income to assets | 1.1698% | 1,607 |
| Return on assets (ROA) | 1.1698% | 1,703 |
| Pretax return on assets | 1.7407% | 912 |
| Return on Equity (ROE) | 12.4873% | 1,122 |
| Retained earnings to average equity (ytd only) | 12.4873% | 193 |
| Net charge-offs to loans | -0.0149% | 5,049 |
| Credit loss provision to net charge-offs | -307.0175% | 5,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4379% | 4,671 |
| Assets per employee ($millions) | 5.0461% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 4,244 |
| Loan loss allowance to noncurrent loans | 167.6593% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 3,066 |
| Noncurrent loans to loans | 0.6034% | 3,044 |
| Net loans and leases to total assets | 86.1807% | 222 |
| Net loans and leases to deposits | 98.8031% | 759 |
| Net loans and leases to core deposits | 121.2607% | 451 |
| Total domestic deposits to total assets | 87.2247% | 2,011 |
| Equity capital to assets | 9.2563% | 4,512 |
| Core capital (leverage) ratio | 9.4290% | 4,183 |
| Tier 1 risk-based capital ratio | 10.3343% | 5,648 |
| Total risk-based capital ratio | 11.3155% | 5,674 |
| Memoranda: | ||
| Average total assets | $895,178,000 | 808 |
| Average earning assets | $831,898,800 | 795 |
| Average equity | $83,861,400 | 950 |
| Average total loans | $763,755,000 | 656 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 855 |
| Cost of funding earning assets | 0.9216% | 261 |
| Net interest margin | 3.9016% | 1,976 |
| Noninterest income to average assets | 0.7695% | 1,886 |
| Noninterest expense to average assets | 2.6715% | 3,424 |
| Loan and lease loss provision to assets | 0.0379% | 3,482 |
| Net operating income to assets | 1.1388% | 1,850 |
| Return on assets (ROA) | 1.1388% | 1,955 |
| Pretax return on assets | 1.6807% | 1,172 |
| Return on Equity (ROE) | 12.1164% | 1,284 |
| Retained earnings to average equity (ytd only) | 12.1164% | 289 |
| Net charge-offs to loans | -0.0615% | 5,429 |
| Credit loss provision to net charge-offs | -72.6744% | 4,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8524% | 4,418 |
| Assets per employee ($millions) | 4.9601% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,974 |
| Loan loss allowance to noncurrent loans | 161.6095% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 3,082 |
| Noncurrent loans to loans | 0.6659% | 3,037 |
| Net loans and leases to total assets | 84.9841% | 327 |
| Net loans and leases to deposits | 95.5557% | 1,093 |
| Net loans and leases to core deposits | 117.4503% | 596 |
| Total domestic deposits to total assets | 88.9367% | 941 |
| Equity capital to assets | 9.3653% | 4,797 |
| Core capital (leverage) ratio | 9.4840% | 4,201 |
| Tier 1 risk-based capital ratio | 10.3935% | 5,660 |
| Total risk-based capital ratio | 11.4300% | 5,680 |
| Memoranda: | ||
| Average total assets | $879,283,500 | 827 |
| Average earning assets | $815,955,500 | 817 |
| Average equity | $82,640,500 | 968 |
| Average total loans | $746,016,750 | 669 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8292% | 832 |
| Cost of funding earning assets | 0.9120% | 274 |
| Net interest margin | 3.9171% | 1,925 |
| Noninterest income to average assets | 0.7475% | 1,942 |
| Noninterest expense to average assets | 2.6425% | 3,563 |
| Loan and lease loss provision to assets | 0.2433% | 809 |
| Net operating income to assets | 1.0102% | 2,346 |
| Return on assets (ROA) | 1.0102% | 2,481 |
| Pretax return on assets | 1.4928% | 1,686 |
| Return on Equity (ROE) | 10.7347% | 1,750 |
| Retained earnings to average equity (ytd only) | 10.7347% | 474 |
| Net charge-offs to loans | 0.0878% | 1,966 |
| Credit loss provision to net charge-offs | 328.1250% | 900 |
| Earnings coverage of net charge-offs (x) | 23.4156% | 1,590 |
| Efficiency ratio | 60.3503% | 4,593 |
| Assets per employee ($millions) | 4.7777% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 3,751 |
| Loan loss allowance to noncurrent loans | 164.2345% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 3,111 |
| Noncurrent loans to loans | 0.6910% | 3,008 |
| Net loans and leases to total assets | 84.4879% | 380 |
| Net loans and leases to deposits | 96.9599% | 967 |
| Net loans and leases to core deposits | 114.7217% | 695 |
| Total domestic deposits to total assets | 87.1369% | 1,843 |
| Equity capital to assets | 9.3338% | 4,937 |
| Core capital (leverage) ratio | 9.4272% | 4,299 |
| Tier 1 risk-based capital ratio | 10.4220% | 5,705 |
| Total risk-based capital ratio | 11.5180% | 5,692 |
| Memoranda: | ||
| Average total assets | $863,197,330 | 846 |
| Average earning assets | $800,178,330 | 829 |
| Average equity | $81,231,670 | 980 |
| Average total loans | $729,076,330 | 686 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 823 |
| Cost of funding earning assets | 0.8914% | 308 |
| Net interest margin | 3.9217% | 1,878 |
| Noninterest income to average assets | 0.7610% | 1,771 |
| Noninterest expense to average assets | 2.7362% | 3,289 |
| Loan and lease loss provision to assets | 0.2483% | 709 |
| Net operating income to assets | 0.9587% | 2,465 |
| Return on assets (ROA) | 0.9587% | 2,583 |
| Pretax return on assets | 1.4057% | 1,889 |
| Return on Equity (ROE) | 10.1440% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.1440% | 820 |
| Net charge-offs to loans | 0.1127% | 1,445 |
| Credit loss provision to net charge-offs | 262.5000% | 922 |
| Earnings coverage of net charge-offs (x) | 17.4850% | 1,573 |
| Efficiency ratio | 62.3249% | 4,397 |
| Assets per employee ($millions) | 4.8114% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,828 |
| Loan loss allowance to noncurrent loans | 151.5140% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 3,048 |
| Noncurrent loans to loans | 0.7529% | 2,953 |
| Net loans and leases to total assets | 83.1182% | 445 |
| Net loans and leases to deposits | 92.3653% | 1,297 |
| Net loans and leases to core deposits | 109.4914% | 878 |
| Total domestic deposits to total assets | 89.9886% | 603 |
| Equity capital to assets | 9.3716% | 4,810 |
| Core capital (leverage) ratio | 9.5227% | 4,155 |
| Tier 1 risk-based capital ratio | 10.6101% | 5,709 |
| Total risk-based capital ratio | 11.7048% | 5,686 |
| Memoranda: | ||
| Average total assets | $845,692,000 | 863 |
| Average earning assets | $782,612,500 | 855 |
| Average equity | $79,929,000 | 995 |
| Average total loans | $709,820,500 | 700 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 673 |
| Cost of funding earning assets | 0.8396% | 401 |
| Net interest margin | 4.1251% | 1,349 |
| Noninterest income to average assets | 0.7915% | 1,821 |
| Noninterest expense to average assets | 2.8459% | 3,049 |
| Loan and lease loss provision to assets | 0.2899% | 600 |
| Net operating income to assets | 0.9974% | 2,374 |
| Return on assets (ROA) | 0.9974% | 2,475 |
| Pretax return on assets | 1.4504% | 1,721 |
| Return on Equity (ROE) | 10.7542% | 1,704 |
| Retained earnings to average equity (ytd only) | 10.7542% | 371 |
| Net charge-offs to loans | 0.2132% | 1,378 |
| Credit loss provision to net charge-offs | 161.3488% | 1,668 |
| Earnings coverage of net charge-offs (x) | 9.6860% | 2,790 |
| Efficiency ratio | 62.0529% | 4,594 |
| Assets per employee ($millions) | 4.5852% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 3,732 |
| Loan loss allowance to noncurrent loans | 154.1924% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.8212% | 2,622 |
| Noncurrent loans to loans | 0.7485% | 2,935 |
| Net loans and leases to total assets | 82.8160% | 505 |
| Net loans and leases to deposits | 94.5128% | 1,155 |
| Net loans and leases to core deposits | 111.9542% | 778 |
| Total domestic deposits to total assets | 87.6241% | 1,836 |
| Equity capital to assets | 9.5350% | 4,517 |
| Core capital (leverage) ratio | 9.8063% | 3,757 |
| Tier 1 risk-based capital ratio | 10.9452% | 5,551 |
| Total risk-based capital ratio | 12.0584% | 5,530 |
| Memoranda: | ||
| Average total assets | $767,502,600 | 902 |
| Average earning assets | $706,012,600 | 906 |
| Average equity | $71,181,600 | 1,070 |
| Average total loans | $646,919,600 | 722 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9833% | 642 |
| Cost of funding earning assets | 0.8408% | 398 |
| Net interest margin | 4.1425% | 1,296 |
| Noninterest income to average assets | 0.8226% | 1,718 |
| Noninterest expense to average assets | 2.9108% | 2,815 |
| Loan and lease loss provision to assets | 0.3320% | 415 |
| Net operating income to assets | 0.9518% | 2,705 |
| Return on assets (ROA) | 0.9518% | 2,797 |
| Pretax return on assets | 1.3874% | 2,069 |
| Return on Equity (ROE) | 10.3427% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.3427% | 582 |
| Net charge-offs to loans | 0.2020% | 1,278 |
| Credit loss provision to net charge-offs | 194.7040% | 1,367 |
| Earnings coverage of net charge-offs (x) | 10.0841% | 2,628 |
| Efficiency ratio | 62.8657% | 4,433 |
| Assets per employee ($millions) | 4.4242% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 3,572 |
| Loan loss allowance to noncurrent loans | 157.7225% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 2,699 |
| Noncurrent loans to loans | 0.7695% | 3,041 |
| Net loans and leases to total assets | 83.6382% | 410 |
| Net loans and leases to deposits | 94.3337% | 1,166 |
| Net loans and leases to core deposits | 109.2783% | 914 |
| Total domestic deposits to total assets | 88.6621% | 1,193 |
| Equity capital to assets | 9.3589% | 4,929 |
| Core capital (leverage) ratio | 9.4047% | 4,435 |
| Tier 1 risk-based capital ratio | 10.5734% | 5,850 |
| Total risk-based capital ratio | 11.7438% | 5,818 |
| Memoranda: | ||
| Average total assets | $753,045,500 | 927 |
| Average earning assets | $692,162,000 | 934 |
| Average equity | $69,303,250 | 1,103 |
| Average total loans | $635,777,750 | 741 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9754% | 617 |
| Cost of funding earning assets | 0.8410% | 398 |
| Net interest margin | 4.1344% | 1,265 |
| Noninterest income to average assets | 0.8177% | 1,708 |
| Noninterest expense to average assets | 2.9894% | 2,586 |
| Loan and lease loss provision to assets | 0.3634% | 354 |
| Net operating income to assets | 0.8759% | 3,009 |
| Return on assets (ROA) | 0.8759% | 3,118 |
| Pretax return on assets | 1.2616% | 2,504 |
| Return on Equity (ROE) | 9.5741% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.5741% | 764 |
| Net charge-offs to loans | 0.2164% | 1,177 |
| Credit loss provision to net charge-offs | 199.1150% | 1,246 |
| Earnings coverage of net charge-offs (x) | 8.9041% | 2,517 |
| Efficiency ratio | 64.7845% | 4,229 |
| Assets per employee ($millions) | 4.1675% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 3,709 |
| Loan loss allowance to noncurrent loans | 117.0640% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9563% | 2,619 |
| Noncurrent loans to loans | 1.0369% | 2,572 |
| Net loans and leases to total assets | 82.8552% | 487 |
| Net loans and leases to deposits | 93.9004% | 1,160 |
| Net loans and leases to core deposits | 106.7214% | 1,035 |
| Total domestic deposits to total assets | 88.2373% | 1,525 |
| Equity capital to assets | 9.0407% | 5,196 |
| Core capital (leverage) ratio | 9.1159% | 4,799 |
| Tier 1 risk-based capital ratio | 10.2424% | 6,021 |
| Total risk-based capital ratio | 11.4000% | 5,985 |
| Memoranda: | ||
| Average total assets | $743,033,330 | 936 |
| Average earning assets | $682,317,670 | 943 |
| Average equity | $67,975,000 | 1,131 |
| Average total loans | $626,702,670 | 750 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9630% | 608 |
| Cost of funding earning assets | 0.8335% | 416 |
| Net interest margin | 4.1295% | 1,208 |
| Noninterest income to average assets | 0.7840% | 1,766 |
| Noninterest expense to average assets | 2.9417% | 2,772 |
| Loan and lease loss provision to assets | 0.3693% | 335 |
| Net operating income to assets | 0.8770% | 2,859 |
| Return on assets (ROA) | 0.8770% | 2,987 |
| Pretax return on assets | 1.2621% | 2,415 |
| Return on Equity (ROE) | 9.5276% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.5276% | 1,035 |
| Net charge-offs to loans | 0.3538% | 694 |
| Credit loss provision to net charge-offs | 123.4004% | 1,421 |
| Earnings coverage of net charge-offs (x) | 5.4516% | 2,387 |
| Efficiency ratio | 64.3259% | 4,428 |
| Assets per employee ($millions) | 4.2312% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 4,197 |
| Loan loss allowance to noncurrent loans | 101.3395% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 2,464 |
| Noncurrent loans to loans | 1.1463% | 2,475 |
| Net loans and leases to total assets | 83.9383% | 312 |
| Net loans and leases to deposits | 94.1527% | 964 |
| Net loans and leases to core deposits | 108.0752% | 819 |
| Total domestic deposits to total assets | 89.1512% | 1,171 |
| Equity capital to assets | 9.2652% | 5,011 |
| Core capital (leverage) ratio | 9.2130% | 4,693 |
| Tier 1 risk-based capital ratio | 10.4483% | 6,026 |
| Total risk-based capital ratio | 11.5738% | 6,018 |
| Memoranda: | ||
| Average total assets | $731,141,500 | 949 |
| Average earning assets | $670,883,000 | 957 |
| Average equity | $67,299,500 | 1,141 |
| Average total loans | $618,476,500 | 756 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1112% | 615 |
| Cost of funding earning assets | 0.8841% | 427 |
| Net interest margin | 4.2271% | 1,223 |
| Noninterest income to average assets | 0.8207% | 1,789 |
| Noninterest expense to average assets | 3.0219% | 2,779 |
| Loan and lease loss provision to assets | 0.2093% | 1,195 |
| Net operating income to assets | 0.9744% | 2,506 |
| Return on assets (ROA) | 0.9857% | 2,532 |
| Pretax return on assets | 1.4449% | 1,739 |
| Return on Equity (ROE) | 10.7741% | 1,796 |
| Retained earnings to average equity (ytd only) | 10.7741% | 406 |
| Net charge-offs to loans | 0.5086% | 802 |
| Credit loss provision to net charge-offs | 49.4984% | 3,491 |
| Earnings coverage of net charge-offs (x) | 3.8731% | 3,793 |
| Efficiency ratio | 64.8556% | 4,426 |
| Assets per employee ($millions) | 4.0562% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 4,187 |
| Loan loss allowance to noncurrent loans | 88.2717% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2356% | 2,287 |
| Noncurrent loans to loans | 1.3214% | 2,230 |
| Net loans and leases to total assets | 83.2689% | 403 |
| Net loans and leases to deposits | 94.3895% | 1,043 |
| Net loans and leases to core deposits | 108.3900% | 866 |
| Total domestic deposits to total assets | 88.2184% | 1,652 |
| Equity capital to assets | 9.1434% | 5,133 |
| Core capital (leverage) ratio | 9.1565% | 4,741 |
| Tier 1 risk-based capital ratio | 10.6435% | 6,046 |
| Total risk-based capital ratio | 11.7983% | 6,024 |
| Memoranda: | ||
| Average total assets | $683,784,000 | 978 |
| Average earning assets | $620,947,800 | 989 |
| Average equity | $62,557,200 | 1,166 |
| Average total loans | $568,442,600 | 782 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0948% | 651 |
| Cost of funding earning assets | 0.8864% | 445 |
| Net interest margin | 4.2084% | 1,261 |
| Noninterest income to average assets | 0.7684% | 2,020 |
| Noninterest expense to average assets | 2.9755% | 2,880 |
| Loan and lease loss provision to assets | 0.1830% | 1,338 |
| Net operating income to assets | 0.9824% | 2,528 |
| Return on assets (ROA) | 0.9972% | 2,527 |
| Pretax return on assets | 1.4452% | 1,824 |
| Return on Equity (ROE) | 10.8980% | 1,829 |
| Retained earnings to average equity (ytd only) | 10.8980% | 531 |
| Net charge-offs to loans | 0.6453% | 553 |
| Credit loss provision to net charge-offs | 34.2349% | 3,389 |
| Earnings coverage of net charge-offs (x) | 3.0059% | 3,765 |
| Efficiency ratio | 64.9350% | 4,383 |
| Assets per employee ($millions) | 4.0223% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 4,483 |
| Loan loss allowance to noncurrent loans | 93.5656% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.1546% | 2,638 |
| Noncurrent loans to loans | 1.2326% | 2,578 |
| Net loans and leases to total assets | 82.5716% | 452 |
| Net loans and leases to deposits | 96.8083% | 813 |
| Net loans and leases to core deposits | 108.6499% | 816 |
| Total domestic deposits to total assets | 85.2939% | 3,219 |
| Equity capital to assets | 9.1034% | 5,249 |
| Core capital (leverage) ratio | 9.2027% | 4,786 |
| Tier 1 risk-based capital ratio | 10.5401% | 6,196 |
| Total risk-based capital ratio | 11.6623% | 6,190 |
| Memoranda: | ||
| Average total assets | $673,216,250 | 1,001 |
| Average earning assets | $610,102,750 | 1,020 |
| Average equity | $61,600,000 | 1,193 |
| Average total loans | $557,625,000 | 795 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0829% | 641 |
| Cost of funding earning assets | 0.8873% | 459 |
| Net interest margin | 4.1956% | 1,255 |
| Noninterest income to average assets | 0.7596% | 2,006 |
| Noninterest expense to average assets | 3.0043% | 2,810 |
| Loan and lease loss provision to assets | 0.1862% | 1,314 |
| Net operating income to assets | 0.9400% | 2,594 |
| Return on assets (ROA) | 0.9621% | 2,584 |
| Pretax return on assets | 1.3917% | 1,921 |
| Return on Equity (ROE) | 10.4960% | 1,941 |
| Retained earnings to average equity (ytd only) | 10.4960% | 616 |
| Net charge-offs to loans | 0.9287% | 388 |
| Credit loss provision to net charge-offs | 24.2806% | 3,130 |
| Earnings coverage of net charge-offs (x) | 2.0158% | 3,668 |
| Efficiency ratio | 66.0267% | 4,364 |
| Assets per employee ($millions) | 3.9342% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 4,476 |
| Loan loss allowance to noncurrent loans | 93.4865% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.1747% | 2,728 |
| Noncurrent loans to loans | 1.2710% | 2,683 |
| Net loans and leases to total assets | 80.6104% | 613 |
| Net loans and leases to deposits | 91.4366% | 1,224 |
| Net loans and leases to core deposits | 103.3851% | 1,058 |
| Total domestic deposits to total assets | 88.1599% | 1,817 |
| Equity capital to assets | 9.0803% | 5,220 |
| Core capital (leverage) ratio | 9.3524% | 4,527 |
| Tier 1 risk-based capital ratio | 10.6940% | 6,180 |
| Total risk-based capital ratio | 11.8414% | 6,163 |
| Memoranda: | ||
| Average total assets | $661,647,330 | 1,022 |
| Average earning assets | $597,774,000 | 1,035 |
| Average equity | $60,651,670 | 1,201 |
| Average total loans | $546,379,000 | 803 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0876% | 607 |
| Cost of funding earning assets | 0.8883% | 483 |
| Net interest margin | 4.1993% | 1,223 |
| Noninterest income to average assets | 0.7596% | 1,914 |
| Noninterest expense to average assets | 2.9391% | 3,085 |
| Loan and lease loss provision to assets | 0.1901% | 1,250 |
| Net operating income to assets | 0.9755% | 2,301 |
| Return on assets (ROA) | 1.0095% | 2,242 |
| Pretax return on assets | 1.4631% | 1,539 |
| Return on Equity (ROE) | 10.9580% | 1,696 |
| Retained earnings to average equity (ytd only) | 10.9580% | 749 |
| Net charge-offs to loans | 1.7604% | 163 |
| Credit loss provision to net charge-offs | 12.9903% | 2,584 |
| Earnings coverage of net charge-offs (x) | 1.0962% | 3,180 |
| Efficiency ratio | 64.6971% | 4,746 |
| Assets per employee ($millions) | 3.8386% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 4,616 |
| Loan loss allowance to noncurrent loans | 106.4364% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 3,205 |
| Noncurrent loans to loans | 1.1311% | 3,161 |
| Net loans and leases to total assets | 81.6637% | 380 |
| Net loans and leases to deposits | 92.8220% | 891 |
| Net loans and leases to core deposits | 101.8880% | 993 |
| Total domestic deposits to total assets | 87.9788% | 2,246 |
| Equity capital to assets | 9.2449% | 4,821 |
| Core capital (leverage) ratio | 9.4108% | 4,407 |
| Tier 1 risk-based capital ratio | 10.8433% | 6,223 |
| Total risk-based capital ratio | 12.0111% | 6,214 |
| Memoranda: | ||
| Average total assets | $648,227,000 | 1,056 |
| Average earning assets | $584,007,500 | 1,063 |
| Average equity | $59,719,000 | 1,223 |
| Average total loans | $538,735,000 | 816 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 652 |
| Cost of funding earning assets | 0.9351% | 623 |
| Net interest margin | 4.2546% | 1,209 |
| Noninterest income to average assets | 0.8433% | 1,891 |
| Noninterest expense to average assets | 3.1753% | 2,493 |
| Loan and lease loss provision to assets | 0.3227% | 1,019 |
| Net operating income to assets | 0.8172% | 3,205 |
| Return on assets (ROA) | 0.8172% | 3,303 |
| Pretax return on assets | 1.1611% | 2,729 |
| Return on Equity (ROE) | 8.7117% | 2,694 |
| Retained earnings to average equity (ytd only) | 5.5942% | 2,223 |
| Net charge-offs to loans | 0.1428% | 3,373 |
| Credit loss provision to net charge-offs | 278.1513% | 816 |
| Earnings coverage of net charge-offs (x) | 12.7913% | 2,096 |
| Efficiency ratio | 68.1533% | 4,169 |
| Assets per employee ($millions) | 3.6998% | 4,478 |
| Cash dividends to net income (ytd only)* | 35.7853% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 2,736 |
| Loan loss allowance to noncurrent loans | 108.5227% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 2,757 |
| Noncurrent loans to loans | 1.4806% | 2,672 |
| Net loans and leases to total assets | 82.2278% | 396 |
| Net loans and leases to deposits | 96.8876% | 679 |
| Net loans and leases to core deposits | 104.9721% | 859 |
| Total domestic deposits to total assets | 84.8693% | 3,818 |
| Equity capital to assets | 9.1796% | 4,833 |
| Core capital (leverage) ratio | 9.4575% | 4,324 |
| Tier 1 risk-based capital ratio | 10.7971% | 6,266 |
| Total risk-based capital ratio | 12.0510% | 6,213 |
| Memoranda: | ||
| Average total assets | $615,523,200 | 1,083 |
| Average earning assets | $552,036,400 | 1,096 |
| Average equity | $57,738,400 | 1,247 |
| Average total loans | $499,877,400 | 854 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2059% | 635 |
| Cost of funding earning assets | 0.9516% | 639 |
| Net interest margin | 4.2543% | 1,198 |
| Noninterest income to average assets | 0.8607% | 1,891 |
| Noninterest expense to average assets | 3.1336% | 2,556 |
| Loan and lease loss provision to assets | 0.3555% | 892 |
| Net operating income to assets | 0.8281% | 3,207 |
| Return on assets (ROA) | 0.8281% | 3,327 |
| Pretax return on assets | 1.1835% | 2,771 |
| Return on Equity (ROE) | 8.7790% | 2,750 |
| Retained earnings to average equity (ytd only) | 5.6478% | 2,637 |
| Net charge-offs to loans | 0.0861% | 3,721 |
| Credit loss provision to net charge-offs | 512.6183% | 541 |
| Earnings coverage of net charge-offs (x) | 22.1891% | 1,509 |
| Efficiency ratio | 67.0631% | 4,292 |
| Assets per employee ($millions) | 3.5214% | 4,805 |
| Cash dividends to net income (ytd only)* | 35.6672% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 2,565 |
| Loan loss allowance to noncurrent loans | 108.8261% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.4037% | 2,852 |
| Noncurrent loans to loans | 1.5793% | 2,799 |
| Net loans and leases to total assets | 80.5517% | 492 |
| Net loans and leases to deposits | 92.0727% | 977 |
| Net loans and leases to core deposits | 99.9405% | 1,118 |
| Total domestic deposits to total assets | 87.4870% | 2,426 |
| Equity capital to assets | 9.4822% | 4,576 |
| Core capital (leverage) ratio | 9.5282% | 4,361 |
| Tier 1 risk-based capital ratio | 11.2677% | 6,165 |
| Total risk-based capital ratio | 12.5229% | 6,125 |
| Memoranda: | ||
| Average total assets | $609,388,750 | 1,100 |
| Average earning assets | $546,011,250 | 1,118 |
| Average equity | $57,484,250 | 1,260 |
| Average total loans | $491,121,000 | 866 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 656 |
| Cost of funding earning assets | 0.9715% | 637 |
| Net interest margin | 4.2113% | 1,249 |
| Noninterest income to average assets | 0.8904% | 1,844 |
| Noninterest expense to average assets | 3.1873% | 2,390 |
| Loan and lease loss provision to assets | 0.3561% | 930 |
| Net operating income to assets | 0.7871% | 3,367 |
| Return on assets (ROA) | 0.7871% | 3,530 |
| Pretax return on assets | 1.1225% | 3,004 |
| Return on Equity (ROE) | 8.3590% | 2,913 |
| Retained earnings to average equity (ytd only) | 5.2165% | 2,913 |
| Net charge-offs to loans | 0.1055% | 3,305 |
| Credit loss provision to net charge-offs | 421.4008% | 638 |
| Earnings coverage of net charge-offs (x) | 17.4981% | 1,603 |
| Efficiency ratio | 68.3109% | 4,125 |
| Assets per employee ($millions) | 3.5932% | 4,643 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 3,005 |
| Loan loss allowance to noncurrent loans | 195.3260% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 4,210 |
| Noncurrent loans to loans | 0.8409% | 4,235 |
| Net loans and leases to total assets | 79.8849% | 549 |
| Net loans and leases to deposits | 91.3476% | 1,021 |
| Net loans and leases to core deposits | 99.4060% | 1,122 |
| Total domestic deposits to total assets | 87.4516% | 2,563 |
| Equity capital to assets | 9.4214% | 4,686 |
| Core capital (leverage) ratio | 9.3716% | 4,428 |
| Tier 1 risk-based capital ratio | 11.2670% | 6,218 |
| Total risk-based capital ratio | 12.5214% | 6,182 |
| Memoranda: | ||
| Average total assets | $608,279,670 | 1,104 |
| Average earning assets | $545,345,330 | 1,120 |
| Average equity | $57,279,330 | 1,259 |
| Average total loans | $487,433,330 | 867 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1572% | 668 |
| Cost of funding earning assets | 1.0031% | 603 |
| Net interest margin | 4.1542% | 1,313 |
| Noninterest income to average assets | 0.8514% | 1,924 |
| Noninterest expense to average assets | 3.1480% | 2,519 |
| Loan and lease loss provision to assets | 0.3572% | 908 |
| Net operating income to assets | 0.7499% | 3,434 |
| Return on assets (ROA) | 0.7499% | 3,570 |
| Pretax return on assets | 1.0689% | 3,082 |
| Return on Equity (ROE) | 7.9659% | 2,989 |
| Retained earnings to average equity (ytd only) | 4.8159% | 3,344 |
| Net charge-offs to loans | 0.2111% | 2,152 |
| Credit loss provision to net charge-offs | 212.5490% | 1,040 |
| Earnings coverage of net charge-offs (x) | 8.4863% | 1,941 |
| Efficiency ratio | 68.8229% | 4,172 |
| Assets per employee ($millions) | 3.4489% | 5,092 |
| Cash dividends to net income (ytd only)* | 39.5431% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 3,636 |
| Loan loss allowance to noncurrent loans | 170.6278% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 4,464 |
| Noncurrent loans to loans | 0.9067% | 4,323 |
| Net loans and leases to total assets | 80.2415% | 406 |
| Net loans and leases to deposits | 91.8929% | 809 |
| Net loans and leases to core deposits | 100.9595% | 891 |
| Total domestic deposits to total assets | 87.3206% | 2,742 |
| Equity capital to assets | 9.5120% | 4,835 |
| Core capital (leverage) ratio | 9.2961% | 4,403 |
| Tier 1 risk-based capital ratio | 11.2144% | 6,304 |
| Total risk-based capital ratio | 12.4675% | 6,285 |
| Memoranda: | ||
| Average total assets | $606,994,000 | 1,113 |
| Average earning assets | $543,936,500 | 1,140 |
| Average equity | $57,143,500 | 1,278 |
| Average total loans | $483,086,500 | 880 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3214% | 888 |
| Cost of funding earning assets | 1.2855% | 396 |
| Net interest margin | 4.0359% | 2,253 |
| Noninterest income to average assets | 0.9234% | 1,791 |
| Noninterest expense to average assets | 3.1055% | 2,903 |
| Loan and lease loss provision to assets | 0.2195% | 2,938 |
| Net operating income to assets | 0.8534% | 3,026 |
| Return on assets (ROA) | 0.8534% | 3,273 |
| Pretax return on assets | 1.2146% | 2,752 |
| Return on Equity (ROE) | 8.7729% | 2,750 |
| Retained earnings to average equity (ytd only) | 5.2074% | 2,568 |
| Net charge-offs to loans | 0.2010% | 3,772 |
| Credit loss provision to net charge-offs | 141.7693% | 1,934 |
| Earnings coverage of net charge-offs (x) | 9.2609% | 2,280 |
| Efficiency ratio | 68.4086% | 4,068 |
| Assets per employee ($millions) | 3.5490% | 4,906 |
| Cash dividends to net income (ytd only)* | 40.6421% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 3,549 |
| Loan loss allowance to noncurrent loans | 155.6099% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 4,508 |
| Noncurrent loans to loans | 0.9923% | 4,208 |
| Net loans and leases to total assets | 76.4929% | 856 |
| Net loans and leases to deposits | 89.0237% | 1,162 |
| Net loans and leases to core deposits | 98.8201% | 1,088 |
| Total domestic deposits to total assets | 85.9242% | 3,386 |
| Equity capital to assets | 9.3174% | 5,126 |
| Core capital (leverage) ratio | 9.2844% | 4,445 |
| Tier 1 risk-based capital ratio | 11.4436% | 6,140 |
| Total risk-based capital ratio | 12.6967% | 6,104 |
| Memoranda: | ||
| Average total assets | $576,650,800 | 1,151 |
| Average earning assets | $516,687,400 | 1,173 |
| Average equity | $56,093,200 | 1,270 |
| Average total loans | $444,330,000 | 935 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3665% | 891 |
| Cost of funding earning assets | 1.3183% | 407 |
| Net interest margin | 4.0483% | 2,299 |
| Noninterest income to average assets | 0.9984% | 1,504 |
| Noninterest expense to average assets | 2.8203% | 3,915 |
| Loan and lease loss provision to assets | 0.2229% | 2,832 |
| Net operating income to assets | 1.0928% | 2,120 |
| Return on assets (ROA) | 1.0928% | 2,316 |
| Pretax return on assets | 1.5827% | 1,634 |
| Return on Equity (ROE) | 11.1082% | 1,918 |
| Retained earnings to average equity (ytd only) | 7.5303% | 1,841 |
| Net charge-offs to loans | 0.1096% | 4,296 |
| Credit loss provision to net charge-offs | 264.6240% | 1,041 |
| Earnings coverage of net charge-offs (x) | 21.4347% | 1,406 |
| Efficiency ratio | 60.9668% | 5,320 |
| Assets per employee ($millions) | 3.4525% | 5,082 |
| Cash dividends to net income (ytd only)* | 32.2096% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 3,437 |
| Loan loss allowance to noncurrent loans | 253.7349% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 5,284 |
| Noncurrent loans to loans | 0.6400% | 5,161 |
| Net loans and leases to total assets | 78.7662% | 639 |
| Net loans and leases to deposits | 95.3709% | 701 |
| Net loans and leases to core deposits | 102.0729% | 977 |
| Total domestic deposits to total assets | 82.5893% | 4,795 |
| Equity capital to assets | 9.9284% | 4,606 |
| Core capital (leverage) ratio | 9.8645% | 3,739 |
| Tier 1 risk-based capital ratio | 11.8017% | 6,056 |
| Total risk-based capital ratio | 13.0557% | 6,032 |
| Memoranda: | ||
| Average total assets | $568,207,250 | 1,183 |
| Average earning assets | $509,144,500 | 1,209 |
| Average equity | $55,897,500 | 1,281 |
| Average total loans | $436,848,750 | 959 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3191% | 1,012 |
| Cost of funding earning assets | 1.3597% | 408 |
| Net interest margin | 3.9594% | 2,683 |
| Noninterest income to average assets | 0.8978% | 1,795 |
| Noninterest expense to average assets | 2.8235% | 3,927 |
| Loan and lease loss provision to assets | 0.2244% | 2,837 |
| Net operating income to assets | 0.9761% | 2,566 |
| Return on assets (ROA) | 0.9761% | 2,803 |
| Pretax return on assets | 1.4047% | 2,178 |
| Return on Equity (ROE) | 9.9540% | 2,372 |
| Retained earnings to average equity (ytd only) | 6.3396% | 2,480 |
| Net charge-offs to loans | 0.1015% | 4,147 |
| Credit loss provision to net charge-offs | 291.7051% | 1,002 |
| Earnings coverage of net charge-offs (x) | 21.1797% | 1,357 |
| Efficiency ratio | 63.4135% | 5,005 |
| Assets per employee ($millions) | 3.3179% | 5,403 |
| Cash dividends to net income (ytd only)* | 36.3108% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 3,353 |
| Loan loss allowance to noncurrent loans | 287.8468% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 5,539 |
| Noncurrent loans to loans | 0.5805% | 5,350 |
| Net loans and leases to total assets | 76.3952% | 919 |
| Net loans and leases to deposits | 90.2467% | 1,123 |
| Net loans and leases to core deposits | 97.2069% | 1,329 |
| Total domestic deposits to total assets | 84.6515% | 4,031 |
| Equity capital to assets | 9.8890% | 4,501 |
| Core capital (leverage) ratio | 9.7267% | 3,797 |
| Tier 1 risk-based capital ratio | 12.0992% | 5,861 |
| Total risk-based capital ratio | 13.3539% | 5,839 |
| Memoranda: | ||
| Average total assets | $564,268,670 | 1,193 |
| Average earning assets | $506,587,330 | 1,209 |
| Average equity | $55,334,330 | 1,288 |
| Average total loans | $427,664,000 | 987 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 1,104 |
| Cost of funding earning assets | 1.3803% | 454 |
| Net interest margin | 3.9160% | 2,854 |
| Noninterest income to average assets | 0.8430% | 1,971 |
| Noninterest expense to average assets | 2.7161% | 4,372 |
| Loan and lease loss provision to assets | 0.2253% | 2,695 |
| Net operating income to assets | 0.9937% | 2,505 |
| Return on assets (ROA) | 0.9937% | 2,698 |
| Pretax return on assets | 1.4266% | 2,099 |
| Return on Equity (ROE) | 10.1768% | 2,334 |
| Retained earnings to average equity (ytd only) | 6.5370% | 2,660 |
| Net charge-offs to loans | 0.0684% | 3,804 |
| Credit loss provision to net charge-offs | 440.2778% | 730 |
| Earnings coverage of net charge-offs (x) | 32.2778% | 874 |
| Efficiency ratio | 62.1806% | 5,245 |
| Assets per employee ($millions) | 3.4741% | 5,176 |
| Cash dividends to net income (ytd only)* | 35.7654% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 3,262 |
| Loan loss allowance to noncurrent loans | 253.4343% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 5,475 |
| Noncurrent loans to loans | 0.6793% | 5,301 |
| Net loans and leases to total assets | 72.5372% | 1,310 |
| Net loans and leases to deposits | 85.6782% | 1,454 |
| Net loans and leases to core deposits | 92.9511% | 1,555 |
| Total domestic deposits to total assets | 84.6624% | 4,181 |
| Equity capital to assets | 9.7645% | 4,432 |
| Core capital (leverage) ratio | 9.6586% | 3,833 |
| Tier 1 risk-based capital ratio | 12.2553% | 5,790 |
| Total risk-based capital ratio | 13.5099% | 5,756 |
| Memoranda: | ||
| Average total assets | $562,723,500 | 1,205 |
| Average earning assets | $506,538,500 | 1,218 |
| Average equity | $54,948,500 | 1,291 |
| Average total loans | $421,095,500 | 993 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4555% | 1,277 |
| Cost of funding earning assets | 1.4023% | 1,030 |
| Net interest margin | 4.0532% | 2,624 |
| Noninterest income to average assets | 1.0747% | 1,158 |
| Noninterest expense to average assets | 2.9099% | 3,923 |
| Loan and lease loss provision to assets | 0.2286% | 3,912 |
| Net operating income to assets | 1.1727% | 1,595 |
| Return on assets (ROA) | 1.2208% | 1,563 |
| Pretax return on assets | 1.6807% | 1,031 |
| Return on Equity (ROE) | 12.8809% | 1,192 |
| Retained earnings to average equity (ytd only) | 10.9847% | 407 |
| Net charge-offs to loans | 0.1870% | 4,650 |
| Credit loss provision to net charge-offs | 162.7297% | 1,688 |
| Earnings coverage of net charge-offs (x) | 13.1234% | 1,567 |
| Efficiency ratio | 61.2193% | 5,573 |
| Assets per employee ($millions) | 3.4948% | 5,025 |
| Cash dividends to net income (ytd only)* | 14.7214% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 3,426 |
| Loan loss allowance to noncurrent loans | 228.5432% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 5,518 |
| Noncurrent loans to loans | 0.7168% | 5,264 |
| Net loans and leases to total assets | 74.6257% | 1,151 |
| Net loans and leases to deposits | 88.3079% | 1,336 |
| Net loans and leases to core deposits | 96.5352% | 1,449 |
| Total domestic deposits to total assets | 84.5062% | 4,093 |
| Equity capital to assets | 9.7650% | 4,487 |
| Core capital (leverage) ratio | 9.6135% | 3,845 |
| Tier 1 risk-based capital ratio | 11.8826% | 5,912 |
| Total risk-based capital ratio | 13.1363% | 5,891 |
| Memoranda: | ||
| Average total assets | $542,499,400 | 1,218 |
| Average earning assets | $492,348,200 | 1,233 |
| Average equity | $51,417,200 | 1,330 |
| Average total loans | $407,497,800 | 1,043 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4707% | 1,333 |
| Cost of funding earning assets | 1.4504% | 1,026 |
| Net interest margin | 4.0203% | 2,831 |
| Noninterest income to average assets | 1.1277% | 1,035 |
| Noninterest expense to average assets | 2.8195% | 4,271 |
| Loan and lease loss provision to assets | 0.2402% | 3,607 |
| Net operating income to assets | 1.3067% | 1,362 |
| Return on assets (ROA) | 1.3741% | 1,295 |
| Pretax return on assets | 1.8122% | 937 |
| Return on Equity (ROE) | 14.6129% | 918 |
| Retained earnings to average equity (ytd only) | 12.3741% | 459 |
| Net charge-offs to loans | 0.1025% | 4,970 |
| Credit loss provision to net charge-offs | 312.9032% | 902 |
| Earnings coverage of net charge-offs (x) | 25.5776% | 1,042 |
| Efficiency ratio | 58.9448% | 5,874 |
| Assets per employee ($millions) | 3.4699% | 5,071 |
| Cash dividends to net income (ytd only)* | 15.3209% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 3,233 |
| Loan loss allowance to noncurrent loans | 237.9713% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 5,459 |
| Noncurrent loans to loans | 0.7192% | 5,441 |
| Net loans and leases to total assets | 75.1875% | 1,115 |
| Net loans and leases to deposits | 90.1385% | 1,198 |
| Net loans and leases to core deposits | 97.8874% | 1,429 |
| Total domestic deposits to total assets | 83.4133% | 4,517 |
| Equity capital to assets | 9.8777% | 4,509 |
| Core capital (leverage) ratio | 9.6180% | 3,968 |
| Tier 1 risk-based capital ratio | 11.6050% | 6,171 |
| Total risk-based capital ratio | 12.8592% | 6,158 |
| Memoranda: | ||
| Average total assets | $538,331,500 | 1,238 |
| Average earning assets | $489,505,000 | 1,245 |
| Average equity | $50,620,750 | 1,351 |
| Average total loans | $403,313,500 | 1,062 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3906% | 1,594 |
| Cost of funding earning assets | 1.4769% | 1,081 |
| Net interest margin | 3.9137% | 3,244 |
| Noninterest income to average assets | 0.7736% | 2,140 |
| Noninterest expense to average assets | 2.8173% | 4,354 |
| Loan and lease loss provision to assets | 0.2611% | 3,311 |
| Net operating income to assets | 0.8913% | 2,678 |
| Return on assets (ROA) | 0.9847% | 2,387 |
| Pretax return on assets | 1.3999% | 1,795 |
| Return on Equity (ROE) | 10.6543% | 1,912 |
| Retained earnings to average equity (ytd only) | 7.7284% | 1,567 |
| Net charge-offs to loans | 0.0978% | 4,701 |
| Credit loss provision to net charge-offs | 358.9744% | 855 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,169 |
| Efficiency ratio | 64.8438% | 5,086 |
| Assets per employee ($millions) | 3.4692% | 5,021 |
| Cash dividends to net income (ytd only)* | 27.4621% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 3,371 |
| Loan loss allowance to noncurrent loans | 249.0896% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6327% | 5,651 |
| Noncurrent loans to loans | 0.6772% | 5,552 |
| Net loans and leases to total assets | 74.6607% | 1,291 |
| Net loans and leases to deposits | 89.5599% | 1,325 |
| Net loans and leases to core deposits | 97.2703% | 1,556 |
| Total domestic deposits to total assets | 83.3640% | 4,606 |
| Equity capital to assets | 9.3296% | 5,103 |
| Core capital (leverage) ratio | 9.1143% | 4,542 |
| Tier 1 risk-based capital ratio | 11.1388% | 6,420 |
| Total risk-based capital ratio | 12.3929% | 6,414 |
| Memoranda: | ||
| Average total assets | $536,184,000 | 1,246 |
| Average earning assets | $489,256,000 | 1,252 |
| Average equity | $49,557,330 | 1,362 |
| Average total loans | $398,840,000 | 1,085 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3699% | 1,674 |
| Cost of funding earning assets | 1.4893% | 1,212 |
| Net interest margin | 3.8805% | 3,236 |
| Noninterest income to average assets | 0.8016% | 2,028 |
| Noninterest expense to average assets | 2.7131% | 4,783 |
| Loan and lease loss provision to assets | 0.2632% | 3,028 |
| Net operating income to assets | 0.9339% | 2,429 |
| Return on assets (ROA) | 0.9339% | 2,494 |
| Pretax return on assets | 1.3716% | 1,807 |
| Return on Equity (ROE) | 10.1536% | 2,044 |
| Retained earnings to average equity (ytd only) | 5.2485% | 3,036 |
| Net charge-offs to loans | 0.1584% | 3,536 |
| Credit loss provision to net charge-offs | 225.8065% | 1,350 |
| Earnings coverage of net charge-offs (x) | 14.0258% | 1,392 |
| Efficiency ratio | 62.4006% | 5,613 |
| Assets per employee ($millions) | 3.3707% | 5,319 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6883% | 3,376 |
| Loan loss allowance to noncurrent loans | 256.5602% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 5,761 |
| Noncurrent loans to loans | 0.6581% | 5,712 |
| Net loans and leases to total assets | 72.4478% | 1,621 |
| Net loans and leases to deposits | 87.0105% | 1,594 |
| Net loans and leases to core deposits | 94.2786% | 1,853 |
| Total domestic deposits to total assets | 83.2633% | 4,807 |
| Equity capital to assets | 9.1763% | 4,909 |
| Core capital (leverage) ratio | 9.0547% | 4,520 |
| Tier 1 risk-based capital ratio | 11.5711% | 6,048 |
| Total risk-based capital ratio | 12.8254% | 6,030 |
| Memoranda: | ||
| Average total assets | $531,942,500 | 1,272 |
| Average earning assets | $486,119,500 | 1,267 |
| Average equity | $48,928,500 | 1,363 |
| Average total loans | $391,445,500 | 1,121 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6832% | 1,630 |
| Cost of funding earning assets | 1.6079% | 2,028 |
| Net interest margin | 4.0752% | 2,680 |
| Noninterest income to average assets | 0.9040% | 1,841 |
| Noninterest expense to average assets | 2.8587% | 4,380 |
| Loan and lease loss provision to assets | 0.2738% | 4,613 |
| Net operating income to assets | 1.0788% | 1,763 |
| Return on assets (ROA) | 1.1037% | 1,768 |
| Pretax return on assets | 1.5727% | 1,201 |
| Return on Equity (ROE) | 11.5709% | 1,426 |
| Retained earnings to average equity (ytd only) | 6.1697% | 1,734 |
| Net charge-offs to loans | 0.1759% | 5,269 |
| Credit loss provision to net charge-offs | 208.7023% | 1,470 |
| Earnings coverage of net charge-offs (x) | 13.8015% | 1,387 |
| Efficiency ratio | 61.2200% | 5,856 |
| Assets per employee ($millions) | 3.4964% | 4,938 |
| Cash dividends to net income (ytd only)* | 46.6788% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6683% | 3,335 |
| Loan loss allowance to noncurrent loans | 229.5035% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 5,706 |
| Noncurrent loans to loans | 0.7269% | 5,595 |
| Net loans and leases to total assets | 72.2564% | 2,041 |
| Net loans and leases to deposits | 87.4715% | 1,865 |
| Net loans and leases to core deposits | 95.0421% | 2,125 |
| Total domestic deposits to total assets | 82.6057% | 4,973 |
| Equity capital to assets | 9.2202% | 4,806 |
| Core capital (leverage) ratio | 9.0345% | 4,480 |
| Tier 1 risk-based capital ratio | 11.7211% | 5,707 |
| Total risk-based capital ratio | 12.9754% | 5,711 |
| Memoranda: | ||
| Average total assets | $499,216,400 | 1,347 |
| Average earning assets | $461,274,400 | 1,328 |
| Average equity | $47,619,600 | 1,403 |
| Average total loans | $372,402,000 | 1,218 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 1,650 |
| Cost of funding earning assets | 1.6197% | 2,280 |
| Net interest margin | 4.0995% | 2,621 |
| Noninterest income to average assets | 0.8704% | 1,909 |
| Noninterest expense to average assets | 2.8740% | 4,187 |
| Loan and lease loss provision to assets | 0.2778% | 4,356 |
| Net operating income to assets | 1.0647% | 2,020 |
| Return on assets (ROA) | 1.0983% | 1,998 |
| Pretax return on assets | 1.5614% | 1,439 |
| Return on Equity (ROE) | 11.4114% | 1,673 |
| Retained earnings to average equity (ytd only) | 5.9802% | 2,366 |
| Net charge-offs to loans | 0.0695% | 5,817 |
| Credit loss provision to net charge-offs | 533.8542% | 541 |
| Earnings coverage of net charge-offs (x) | 34.4276% | 777 |
| Efficiency ratio | 61.6055% | 5,684 |
| Assets per employee ($millions) | 3.4292% | 5,137 |
| Cash dividends to net income (ytd only)* | 47.5945% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 3,166 |
| Loan loss allowance to noncurrent loans | 193.2298% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6781% | 5,760 |
| Noncurrent loans to loans | 0.8772% | 5,472 |
| Net loans and leases to total assets | 74.3347% | 1,731 |
| Net loans and leases to deposits | 90.5927% | 1,640 |
| Net loans and leases to core deposits | 97.9910% | 2,044 |
| Total domestic deposits to total assets | 82.0538% | 4,969 |
| Equity capital to assets | 9.4585% | 4,911 |
| Core capital (leverage) ratio | 9.1362% | 4,474 |
| Tier 1 risk-based capital ratio | 11.5433% | 5,886 |
| Total risk-based capital ratio | 12.7992% | 5,872 |
| Memoranda: | ||
| Average total assets | $492,033,250 | 1,379 |
| Average earning assets | $455,459,000 | 1,360 |
| Average equity | $47,355,000 | 1,421 |
| Average total loans | $368,515,250 | 1,237 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7589% | 1,532 |
| Cost of funding earning assets | 1.6107% | 2,597 |
| Net interest margin | 4.1482% | 2,340 |
| Noninterest income to average assets | 0.8601% | 1,839 |
| Noninterest expense to average assets | 2.7979% | 4,489 |
| Loan and lease loss provision to assets | 0.2819% | 4,151 |
| Net operating income to assets | 1.1339% | 1,742 |
| Return on assets (ROA) | 1.1796% | 1,680 |
| Pretax return on assets | 1.6806% | 1,089 |
| Return on Equity (ROE) | 12.1817% | 1,410 |
| Retained earnings to average equity (ytd only) | 6.7004% | 1,974 |
| Net charge-offs to loans | 0.0586% | 5,572 |
| Credit loss provision to net charge-offs | 644.3396% | 573 |
| Earnings coverage of net charge-offs (x) | 43.3679% | 680 |
| Efficiency ratio | 59.5904% | 6,121 |
| Assets per employee ($millions) | 3.3317% | 5,349 |
| Cash dividends to net income (ytd only)* | 44.9965% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 3,207 |
| Loan loss allowance to noncurrent loans | 553.9336% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 6,815 |
| Noncurrent loans to loans | 0.3007% | 6,625 |
| Net loans and leases to total assets | 74.3658% | 1,838 |
| Net loans and leases to deposits | 90.8018% | 1,725 |
| Net loans and leases to core deposits | 97.5669% | 2,275 |
| Total domestic deposits to total assets | 81.8991% | 5,030 |
| Equity capital to assets | 9.5353% | 4,654 |
| Core capital (leverage) ratio | 9.3122% | 4,092 |
| Tier 1 risk-based capital ratio | 11.6769% | 5,605 |
| Total risk-based capital ratio | 12.9313% | 5,562 |
| Memoranda: | ||
| Average total assets | $484,586,000 | 1,416 |
| Average earning assets | $448,005,000 | 1,384 |
| Average equity | $46,922,670 | 1,430 |
| Average total loans | $361,703,000 | 1,267 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7126% | 1,730 |
| Cost of funding earning assets | 1.5797% | 3,080 |
| Net interest margin | 4.1329% | 2,310 |
| Noninterest income to average assets | 0.8280% | 1,893 |
| Noninterest expense to average assets | 2.8376% | 4,330 |
| Loan and lease loss provision to assets | 0.2878% | 3,720 |
| Net operating income to assets | 1.0758% | 1,911 |
| Return on assets (ROA) | 1.1689% | 1,696 |
| Pretax return on assets | 1.6620% | 1,135 |
| Return on Equity (ROE) | 11.9745% | 1,508 |
| Retained earnings to average equity (ytd only) | 6.4312% | 2,392 |
| Net charge-offs to loans | 0.0488% | 4,915 |
| Credit loss provision to net charge-offs | 795.3488% | 572 |
| Earnings coverage of net charge-offs (x) | 50.2093% | 576 |
| Efficiency ratio | 60.9655% | 6,011 |
| Assets per employee ($millions) | 3.3300% | 5,476 |
| Cash dividends to net income (ytd only)* | 46.2923% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 3,125 |
| Loan loss allowance to noncurrent loans | 618.2653% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 6,960 |
| Noncurrent loans to loans | 0.2723% | 6,775 |
| Net loans and leases to total assets | 72.7904% | 2,266 |
| Net loans and leases to deposits | 90.1575% | 1,879 |
| Net loans and leases to core deposits | 96.9997% | 2,460 |
| Total domestic deposits to total assets | 80.7369% | 5,539 |
| Equity capital to assets | 9.6487% | 4,306 |
| Core capital (leverage) ratio | 9.6114% | 3,629 |
| Tier 1 risk-based capital ratio | 12.1088% | 5,079 |
| Total risk-based capital ratio | 13.3633% | 5,043 |
| Memoranda: | ||
| Average total assets | $475,334,000 | 1,474 |
| Average earning assets | $440,077,500 | 1,447 |
| Average equity | $46,398,500 | 1,454 |
| Average total loans | $352,322,500 | 1,343 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9605% | 2,014 |
| Cost of funding earning assets | 1.8127% | 3,924 |
| Net interest margin | 4.1478% | 2,257 |
| Noninterest income to average assets | 1.0108% | 1,535 |
| Noninterest expense to average assets | 2.9855% | 4,206 |
| Loan and lease loss provision to assets | 0.2841% | 5,152 |
| Net operating income to assets | 1.1224% | 1,463 |
| Return on assets (ROA) | 1.1095% | 1,520 |
| Pretax return on assets | 1.5597% | 1,054 |
| Return on Equity (ROE) | 11.2582% | 1,365 |
| Retained earnings to average equity (ytd only) | 5.0690% | 1,783 |
| Net charge-offs to loans | 0.0396% | 6,719 |
| Credit loss provision to net charge-offs | 1,011.0236% | 289 |
| Earnings coverage of net charge-offs (x) | 66.2677% | 405 |
| Efficiency ratio | 61.5901% | 6,224 |
| Assets per employee ($millions) | 3.1814% | 5,764 |
| Cash dividends to net income (ytd only)* | 54.9751% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 3,001 |
| Loan loss allowance to noncurrent loans | 453.9007% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 6,771 |
| Noncurrent loans to loans | 0.3682% | 6,542 |
| Net loans and leases to total assets | 72.9693% | 2,519 |
| Net loans and leases to deposits | 93.9250% | 1,603 |
| Net loans and leases to core deposits | 118.6555% | 2,068 |
| Total domestic deposits to total assets | 77.6889% | 6,305 |
| Equity capital to assets | 9.8790% | 3,913 |
| Core capital (leverage) ratio | 9.9076% | 3,185 |
| Tier 1 risk-based capital ratio | 12.3195% | 4,660 |
| Total risk-based capital ratio | 13.5737% | 4,619 |
| Memoranda: | ||
| Average total assets | $452,013,400 | 1,533 |
| Average earning assets | $418,104,000 | 1,516 |
| Average equity | $44,545,200 | 1,504 |
| Average total loans | $320,367,600 | 1,501 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9522% | 2,222 |
| Cost of funding earning assets | 1.8856% | 3,951 |
| Net interest margin | 4.0666% | 2,522 |
| Noninterest income to average assets | 1.0247% | 1,514 |
| Noninterest expense to average assets | 3.0088% | 4,014 |
| Loan and lease loss provision to assets | 0.3178% | 4,440 |
| Net operating income to assets | 1.0426% | 1,925 |
| Return on assets (ROA) | 1.0253% | 2,041 |
| Pretax return on assets | 1.4370% | 1,600 |
| Return on Equity (ROE) | 10.4107% | 1,785 |
| Retained earnings to average equity (ytd only) | 4.1739% | 2,949 |
| Net charge-offs to loans | 0.0293% | 6,474 |
| Credit loss provision to net charge-offs | 1,550.7246% | 251 |
| Earnings coverage of net charge-offs (x) | 86.8095% | 400 |
| Efficiency ratio | 62.8412% | 5,959 |
| Assets per employee ($millions) | 3.0777% | 5,969 |
| Cash dividends to net income (ytd only)* | 59.9072% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 2,490 |
| Loan loss allowance to noncurrent loans | 507.9782% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 6,907 |
| Noncurrent loans to loans | 0.3421% | 6,673 |
| Net loans and leases to total assets | 70.0168% | 3,513 |
| Net loans and leases to deposits | 92.3114% | 2,187 |
| Net loans and leases to core deposits | 113.5652% | 2,875 |
| Total domestic deposits to total assets | 75.8485% | 6,610 |
| Equity capital to assets | 10.0622% | 4,011 |
| Core capital (leverage) ratio | 9.7891% | 3,529 |
| Tier 1 risk-based capital ratio | 12.8499% | 4,294 |
| Total risk-based capital ratio | 14.1062% | 4,229 |
| Memoranda: | ||
| Average total assets | $448,894,000 | 1,556 |
| Average earning assets | $415,409,000 | 1,535 |
| Average equity | $44,209,750 | 1,538 |
| Average total loans | $314,285,500 | 1,546 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9332% | 2,444 |
| Cost of funding earning assets | 1.9761% | 3,886 |
| Net interest margin | 3.9571% | 2,869 |
| Noninterest income to average assets | 1.0163% | 1,538 |
| Noninterest expense to average assets | 3.0028% | 4,072 |
| Loan and lease loss provision to assets | 0.3551% | 3,795 |
| Net operating income to assets | 0.9493% | 2,282 |
| Return on assets (ROA) | 0.9229% | 2,464 |
| Pretax return on assets | 1.2812% | 2,080 |
| Return on Equity (ROE) | 9.4399% | 2,207 |
| Retained earnings to average equity (ytd only) | 3.1390% | 3,567 |
| Net charge-offs to loans | 0.0693% | 5,541 |
| Credit loss provision to net charge-offs | 736.1111% | 643 |
| Earnings coverage of net charge-offs (x) | 34.6759% | 902 |
| Efficiency ratio | 64.2209% | 5,868 |
| Assets per employee ($millions) | 3.1334% | 5,765 |
| Cash dividends to net income (ytd only)* | 66.7473% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 2,449 |
| Loan loss allowance to noncurrent loans | 483.8975% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 6,881 |
| Noncurrent loans to loans | 0.3450% | 6,651 |
| Net loans and leases to total assets | 68.5701% | 4,056 |
| Net loans and leases to deposits | 89.5336% | 2,893 |
| Net loans and leases to core deposits | 108.1097% | 3,598 |
| Total domestic deposits to total assets | 76.5859% | 6,420 |
| Equity capital to assets | 9.6586% | 4,415 |
| Core capital (leverage) ratio | 9.4449% | 3,967 |
| Tier 1 risk-based capital ratio | 12.7988% | 4,291 |
| Total risk-based capital ratio | 14.0527% | 4,200 |
| Memoranda: | ||
| Average total assets | $447,717,330 | 1,582 |
| Average earning assets | $414,039,670 | 1,569 |
| Average equity | $43,771,670 | 1,555 |
| Average total loans | $311,588,670 | 1,589 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9089% | 2,754 |
| Cost of funding earning assets | 2.0318% | 3,977 |
| Net interest margin | 3.8771% | 3,150 |
| Noninterest income to average assets | 0.9001% | 1,852 |
| Noninterest expense to average assets | 2.9397% | 4,016 |
| Loan and lease loss provision to assets | 0.3573% | 3,176 |
| Net operating income to assets | 0.8686% | 2,847 |
| Return on assets (ROA) | 0.8686% | 2,993 |
| Pretax return on assets | 1.1962% | 2,641 |
| Return on Equity (ROE) | 8.8297% | 2,791 |
| Retained earnings to average equity (ytd only) | 2.5254% | 4,472 |
| Net charge-offs to loans | 0.0272% | 5,149 |
| Credit loss provision to net charge-offs | 1,890.4762% | 338 |
| Earnings coverage of net charge-offs (x) | 82.1905% | 511 |
| Efficiency ratio | 65.4247% | 5,431 |
| Assets per employee ($millions) | 3.2363% | 5,498 |
| Cash dividends to net income (ytd only)* | 71.3990% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 2,501 |
| Loan loss allowance to noncurrent loans | 430.3371% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 6,739 |
| Noncurrent loans to loans | 0.3727% | 6,489 |
| Net loans and leases to total assets | 67.4086% | 4,268 |
| Net loans and leases to deposits | 87.9548% | 3,298 |
| Net loans and leases to core deposits | 106.2912% | 3,877 |
| Total domestic deposits to total assets | 76.6400% | 6,374 |
| Equity capital to assets | 9.7126% | 4,363 |
| Core capital (leverage) ratio | 9.6189% | 3,854 |
| Tier 1 risk-based capital ratio | 12.8054% | 4,322 |
| Total risk-based capital ratio | 14.0585% | 4,234 |
| Memoranda: | ||
| Average total assets | $444,405,500 | 1,598 |
| Average earning assets | $411,854,500 | 1,581 |
| Average equity | $43,716,000 | 1,557 |
| Average total loans | $308,967,500 | 1,615 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6044% | 2,468 |
| Cost of funding earning assets | 2.4679% | 4,376 |
| Net interest margin | 4.1365% | 2,555 |
| Noninterest income to average assets | 0.9099% | 1,920 |
| Noninterest expense to average assets | 3.1185% | 3,624 |
| Loan and lease loss provision to assets | 0.1528% | 5,406 |
| Net operating income to assets | 1.0340% | 2,420 |
| Return on assets (ROA) | 0.9623% | 2,608 |
| Pretax return on assets | 1.3348% | 2,186 |
| Return on Equity (ROE) | 9.4812% | 2,443 |
| Retained earnings to average equity (ytd only) | 4.9952% | 2,034 |
| Net charge-offs to loans | 0.1021% | 5,290 |
| Credit loss provision to net charge-offs | 218.9474% | 2,194 |
| Earnings coverage of net charge-offs (x) | 22.7404% | 1,455 |
| Efficiency ratio | 66.2694% | 5,071 |
| Assets per employee ($millions) | 3.2039% | 5,477 |
| Cash dividends to net income (ytd only)* | 47.3148% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 2,715 |
| Loan loss allowance to noncurrent loans | 429.6919% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 6,589 |
| Noncurrent loans to loans | 0.3482% | 6,328 |
| Net loans and leases to total assets | 69.5243% | 4,133 |
| Net loans and leases to deposits | 91.8784% | 3,165 |
| Net loans and leases to core deposits | 108.8273% | 3,878 |
| Total domestic deposits to total assets | 75.6699% | 6,310 |
| Equity capital to assets | 9.9663% | 4,077 |
| Core capital (leverage) ratio | 9.8801% | 3,568 |
| Tier 1 risk-based capital ratio | 12.8865% | 4,169 |
| Total risk-based capital ratio | 14.1384% | 4,097 |
| Memoranda: | ||
| Average total assets | $408,309,000 | 1,661 |
| Average earning assets | $374,690,800 | 1,655 |
| Average equity | $41,440,000 | 1,616 |
| Average total loans | $279,101,800 | 1,727 |