Home > Country Club Bank > Performance and Condition Ratios
Country Club Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 3,174 |
| Cost of funding earning assets | 1.1136% | 3,865 |
| Net interest margin | 3.8486% | 1,574 |
| Noninterest income to average assets | 2.0000% | 253 |
| Noninterest expense to average assets | 3.8649% | 416 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 1.6118% | 886 |
| Return on assets (ROA) | 1.6118% | 880 |
| Pretax return on assets | 1.6418% | 1,212 |
| Return on Equity (ROE) | 16.4800% | 825 |
| Retained earnings to average equity (ytd only) | 5.2384% | 2,508 |
| Net charge-offs to loans | 0.0105% | 1,858 |
| Credit loss provision to net charge-offs | 2,763.1579% | 158 |
| Earnings coverage of net charge-offs (x) | 248.9211% | 356 |
| Efficiency ratio | 68.8370% | 1,944 |
| Assets per employee ($millions) | 5.4124% | 3,383 |
| Cash dividends to net income (ytd only)* | 68.2206% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,178 |
| Loan loss allowance to noncurrent loans | 218.3535% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 1,810 |
| Noncurrent loans to loans | 0.5500% | 1,756 |
| Net loans and leases to total assets | 66.3900% | 2,247 |
| Net loans and leases to deposits | 77.5254% | 2,270 |
| Net loans and leases to core deposits | 80.8880% | 2,632 |
| Total domestic deposits to total assets | 85.6400% | 2,431 |
| Equity capital to assets | 9.8692% | 2,305 |
| Core capital (leverage) ratio | 10.7562% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6656% | 1,634 |
| Memoranda: | ||
| Average total assets | $2,182,718,500 | 553 |
| Average earning assets | $2,039,179,000 | 539 |
| Average equity | $213,425,500 | 563 |
| Average total loans | $1,453,408,000 | 573 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 3,235 |
| Cost of funding earning assets | 1.2838% | 3,696 |
| Net interest margin | 3.6314% | 1,824 |
| Noninterest income to average assets | 2.0200% | 249 |
| Noninterest expense to average assets | 3.9609% | 386 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.3925% | 1,079 |
| Return on assets (ROA) | 1.3925% | 1,080 |
| Pretax return on assets | 1.4171% | 1,467 |
| Return on Equity (ROE) | 15.4800% | 857 |
| Retained earnings to average equity (ytd only) | 7.8542% | 1,159 |
| Net charge-offs to loans | -0.0215% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 72.7600% | 1,696 |
| Assets per employee ($millions) | 5.1625% | 3,529 |
| Cash dividends to net income (ytd only)* | 49.2643% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 2,353 |
| Loan loss allowance to noncurrent loans | 172.7141% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 1,539 |
| Noncurrent loans to loans | 0.6736% | 1,454 |
| Net loans and leases to total assets | 65.2000% | 2,443 |
| Net loans and leases to deposits | 76.2968% | 2,431 |
| Net loans and leases to core deposits | 79.4756% | 2,813 |
| Total domestic deposits to total assets | 85.4600% | 2,383 |
| Equity capital to assets | 9.6859% | 2,312 |
| Core capital (leverage) ratio | 10.3585% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2111% | 1,786 |
| Memoranda: | ||
| Average total assets | $2,186,572,800 | 543 |
| Average earning assets | $2,049,899,000 | 527 |
| Average equity | $196,684,200 | 583 |
| Average total loans | $1,367,360,000 | 591 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8406% | 3,309 |
| Cost of funding earning assets | 1.2872% | 3,690 |
| Net interest margin | 3.5534% | 1,913 |
| Noninterest income to average assets | 1.9500% | 255 |
| Noninterest expense to average assets | 3.8390% | 410 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.3973% | 1,096 |
| Return on assets (ROA) | 1.3973% | 1,104 |
| Pretax return on assets | 1.4309% | 1,442 |
| Return on Equity (ROE) | 15.8400% | 839 |
| Retained earnings to average equity (ytd only) | 10.3151% | 778 |
| Net charge-offs to loans | -0.0765% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 72.3842% | 1,746 |
| Assets per employee ($millions) | 5.2827% | 3,461 |
| Cash dividends to net income (ytd only)* | 34.8599% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 2,265 |
| Loan loss allowance to noncurrent loans | 128.9987% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 1,145 |
| Noncurrent loans to loans | 0.9227% | 1,085 |
| Net loans and leases to total assets | 60.8700% | 2,847 |
| Net loans and leases to deposits | 76.3354% | 2,500 |
| Net loans and leases to core deposits | 79.3776% | 2,855 |
| Total domestic deposits to total assets | 79.7500% | 3,503 |
| Equity capital to assets | 9.1006% | 2,962 |
| Core capital (leverage) ratio | 10.1766% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $2,189,863,750 | 538 |
| Average earning assets | $2,055,901,250 | 523 |
| Average equity | $193,226,500 | 585 |
| Average total loans | $1,350,767,250 | 591 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 3,463 |
| Cost of funding earning assets | 1.2262% | 3,747 |
| Net interest margin | 3.4792% | 2,007 |
| Noninterest income to average assets | 1.9000% | 267 |
| Noninterest expense to average assets | 3.8323% | 417 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.2781% | 1,305 |
| Return on assets (ROA) | 1.2781% | 1,311 |
| Pretax return on assets | 1.3095% | 1,677 |
| Return on Equity (ROE) | 14.6500% | 1,040 |
| Retained earnings to average equity (ytd only) | 8.2778% | 1,291 |
| Net charge-offs to loans | -0.0868% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.0437% | 1,642 |
| Assets per employee ($millions) | 5.1079% | 3,543 |
| Cash dividends to net income (ytd only)* | 43.4846% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,166 |
| Loan loss allowance to noncurrent loans | 116.0818% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 927 |
| Noncurrent loans to loans | 1.0474% | 874 |
| Net loans and leases to total assets | 62.1200% | 2,753 |
| Net loans and leases to deposits | 77.7525% | 2,406 |
| Net loans and leases to core deposits | 81.0784% | 2,740 |
| Total domestic deposits to total assets | 79.9000% | 3,462 |
| Equity capital to assets | 9.0258% | 2,716 |
| Core capital (leverage) ratio | 10.3780% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $2,159,115,667 | 548 |
| Average earning assets | $2,024,682,333 | 534 |
| Average equity | $188,407,000 | 600 |
| Average total loans | $1,332,372,667 | 601 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 3,412 |
| Cost of funding earning assets | 1.2409% | 3,658 |
| Net interest margin | 3.4225% | 2,051 |
| Noninterest income to average assets | 2.0600% | 231 |
| Noninterest expense to average assets | 3.9372% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2880% | 1,263 |
| Return on assets (ROA) | 1.2880% | 1,271 |
| Pretax return on assets | 1.3185% | 1,597 |
| Return on Equity (ROE) | 15.0200% | 991 |
| Retained earnings to average equity (ytd only) | 6.3445% | 2,002 |
| Net charge-offs to loans | -0.0134% | 4,010 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.6974% | 1,672 |
| Assets per employee ($millions) | 5.0951% | 3,594 |
| Cash dividends to net income (ytd only)* | 57.7617% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,242 |
| Loan loss allowance to noncurrent loans | 116.7068% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 856 |
| Noncurrent loans to loans | 1.0351% | 828 |
| Net loans and leases to total assets | 62.2000% | 2,647 |
| Net loans and leases to deposits | 78.2754% | 2,214 |
| Net loans and leases to core deposits | 81.7778% | 2,595 |
| Total domestic deposits to total assets | 79.4600% | 3,606 |
| Equity capital to assets | 8.9257% | 2,731 |
| Core capital (leverage) ratio | 10.0386% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7084% | 1,633 |
| Memoranda: | ||
| Average total assets | $2,150,681,000 | 560 |
| Average earning assets | $2,011,176,000 | 544 |
| Average equity | $184,411,000 | 611 |
| Average total loans | $1,314,372,500 | 610 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 3,456 |
| Cost of funding earning assets | 0.7895% | 3,768 |
| Net interest margin | 3.4985% | 2,183 |
| Noninterest income to average assets | 1.8700% | 289 |
| Noninterest expense to average assets | 3.8238% | 421 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2488% | 1,539 |
| Return on assets (ROA) | 1.1719% | 1,687 |
| Pretax return on assets | 1.1906% | 2,169 |
| Return on Equity (ROE) | 15.2500% | 1,239 |
| Retained earnings to average equity (ytd only) | 7.4266% | 1,746 |
| Net charge-offs to loans | 0.0775% | 1,092 |
| Credit loss provision to net charge-offs | 140.4213% | 1,526 |
| Earnings coverage of net charge-offs (x) | 28.9769% | 1,656 |
| Efficiency ratio | 73.8824% | 1,475 |
| Assets per employee ($millions) | 5.2063% | 3,467 |
| Cash dividends to net income (ytd only)* | 51.3124% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,152 |
| Loan loss allowance to noncurrent loans | 137.1723% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 906 |
| Noncurrent loans to loans | 0.8923% | 844 |
| Net loans and leases to total assets | 58.6200% | 2,983 |
| Net loans and leases to deposits | 74.8759% | 2,550 |
| Net loans and leases to core deposits | 78.1362% | 2,829 |
| Total domestic deposits to total assets | 78.3000% | 3,693 |
| Equity capital to assets | 8.2382% | 3,251 |
| Core capital (leverage) ratio | 9.8330% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4123% | 1,718 |
| Memoranda: | ||
| Average total assets | $2,161,895,800 | 529 |
| Average earning assets | $2,035,910,000 | 511 |
| Average equity | $166,092,200 | 620 |
| Average total loans | $1,286,144,000 | 588 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 3,491 |
| Cost of funding earning assets | 0.7015% | 3,759 |
| Net interest margin | 3.4874% | 2,240 |
| Noninterest income to average assets | 1.9300% | 291 |
| Noninterest expense to average assets | 3.8310% | 407 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.3814% | 1,362 |
| Return on assets (ROA) | 1.2784% | 1,577 |
| Pretax return on assets | 1.3088% | 2,014 |
| Return on Equity (ROE) | 16.9500% | 1,084 |
| Retained earnings to average equity (ytd only) | 11.2049% | 1,126 |
| Net charge-offs to loans | -0.0283% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.1098% | 1,441 |
| Assets per employee ($millions) | 4.9323% | 3,651 |
| Cash dividends to net income (ytd only)* | 33.9065% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 2,180 |
| Loan loss allowance to noncurrent loans | 154.9789% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5952% | 989 |
| Noncurrent loans to loans | 0.7982% | 1,047 |
| Net loans and leases to total assets | 59.0300% | 2,937 |
| Net loans and leases to deposits | 75.5757% | 2,452 |
| Net loans and leases to core deposits | 78.9609% | 2,678 |
| Total domestic deposits to total assets | 78.1100% | 3,802 |
| Equity capital to assets | 8.2742% | 2,868 |
| Core capital (leverage) ratio | 10.0209% | 2,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1670% | 1,517 |
| Memoranda: | ||
| Average total assets | $2,153,101,500 | 534 |
| Average earning assets | $2,035,855,750 | 514 |
| Average equity | $162,365,500 | 627 |
| Average total loans | $1,281,686,250 | 591 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,542 |
| Cost of funding earning assets | 0.6236% | 3,696 |
| Net interest margin | 3.4489% | 2,394 |
| Noninterest income to average assets | 2.0300% | 236 |
| Noninterest expense to average assets | 3.8578% | 383 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.4391% | 1,240 |
| Return on assets (ROA) | 1.2850% | 1,595 |
| Pretax return on assets | 1.3139% | 2,042 |
| Return on Equity (ROE) | 17.6100% | 997 |
| Retained earnings to average equity (ytd only) | 15.0653% | 555 |
| Net charge-offs to loans | -0.0228% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.5941% | 1,498 |
| Assets per employee ($millions) | 4.8923% | 3,681 |
| Cash dividends to net income (ytd only)* | 14.4300% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,258 |
| Loan loss allowance to noncurrent loans | 224.9069% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 1,210 |
| Noncurrent loans to loans | 0.5489% | 1,359 |
| Net loans and leases to total assets | 58.9000% | 2,873 |
| Net loans and leases to deposits | 75.3262% | 2,380 |
| Net loans and leases to core deposits | 78.7511% | 2,563 |
| Total domestic deposits to total assets | 78.1900% | 3,828 |
| Equity capital to assets | 8.0007% | 3,218 |
| Core capital (leverage) ratio | 9.9366% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1064% | 1,547 |
| Memoranda: | ||
| Average total assets | $2,157,264,333 | 517 |
| Average earning assets | $2,042,991,667 | 501 |
| Average equity | $157,448,000 | 644 |
| Average total loans | $1,282,430,333 | 576 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 3,520 |
| Cost of funding earning assets | 0.4990% | 3,687 |
| Net interest margin | 3.4650% | 2,457 |
| Noninterest income to average assets | 1.8500% | 250 |
| Noninterest expense to average assets | 3.8118% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2844% | 1,713 |
| Return on assets (ROA) | 0.9809% | 2,564 |
| Pretax return on assets | 1.0071% | 2,970 |
| Return on Equity (ROE) | 14.1100% | 1,756 |
| Retained earnings to average equity (ytd only) | 11.4556% | 1,367 |
| Net charge-offs to loans | -0.0155% | 4,010 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.0586% | 1,333 |
| Assets per employee ($millions) | 4.9335% | 3,709 |
| Cash dividends to net income (ytd only)* | 18.7970% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,495 |
| Loan loss allowance to noncurrent loans | 374.6279% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,087 |
| Noncurrent loans to loans | 0.3233% | 1,989 |
| Net loans and leases to total assets | 59.4600% | 2,719 |
| Net loans and leases to deposits | 73.1574% | 2,368 |
| Net loans and leases to core deposits | 76.1795% | 2,514 |
| Total domestic deposits to total assets | 81.2700% | 3,597 |
| Equity capital to assets | 7.3814% | 3,627 |
| Core capital (leverage) ratio | 9.2256% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2016% | 1,575 |
| Memoranda: | ||
| Average total assets | $2,169,371,000 | 521 |
| Average earning assets | $2,056,310,000 | 507 |
| Average equity | $150,843,000 | 680 |
| Average total loans | $1,287,607,500 | 582 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2295% | 3,758 |
| Cost of funding earning assets | 0.1843% | 3,876 |
| Net interest margin | 3.0452% | 3,320 |
| Noninterest income to average assets | 2.0900% | 234 |
| Noninterest expense to average assets | 3.6264% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3407% | 1,308 |
| Return on assets (ROA) | 1.3415% | 1,263 |
| Pretax return on assets | 1.3642% | 1,884 |
| Return on Equity (ROE) | 21.4100% | 371 |
| Retained earnings to average equity (ytd only) | 10.4892% | 1,006 |
| Net charge-offs to loans | 0.2330% | 338 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 10.8897% | 2,172 |
| Efficiency ratio | 72.4644% | 1,391 |
| Assets per employee ($millions) | 4.9832% | 3,695 |
| Cash dividends to net income (ytd only)* | 51.0025% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 1,026 |
| Loan loss allowance to noncurrent loans | 489.3478% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 2,149 |
| Noncurrent loans to loans | 0.3218% | 1,997 |
| Net loans and leases to total assets | 57.6200% | 2,855 |
| Net loans and leases to deposits | 66.0750% | 2,888 |
| Net loans and leases to core deposits | 68.5235% | 2,978 |
| Total domestic deposits to total assets | 87.2100% | 2,326 |
| Equity capital to assets | 6.5362% | 3,885 |
| Core capital (leverage) ratio | 8.6787% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3842% | 1,820 |
| Memoranda: | ||
| Average total assets | $2,338,541,000 | 482 |
| Average earning assets | $2,227,328,800 | 459 |
| Average equity | $146,540,800 | 691 |
| Average total loans | $1,256,894,600 | 556 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0723% | 3,732 |
| Cost of funding earning assets | 0.1625% | 3,708 |
| Net interest margin | 2.9098% | 3,470 |
| Noninterest income to average assets | 2.1100% | 254 |
| Noninterest expense to average assets | 3.6008% | 448 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2535% | 1,513 |
| Return on assets (ROA) | 1.2545% | 1,479 |
| Pretax return on assets | 1.2806% | 2,106 |
| Return on Equity (ROE) | 20.2200% | 414 |
| Retained earnings to average equity (ytd only) | 9.3561% | 1,537 |
| Net charge-offs to loans | 0.0524% | 959 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 46.3992% | 1,323 |
| Efficiency ratio | 73.5689% | 1,327 |
| Assets per employee ($millions) | 5.1726% | 3,528 |
| Cash dividends to net income (ytd only)* | 53.7297% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8091% | 716 |
| Loan loss allowance to noncurrent loans | 342.2195% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 1,699 |
| Noncurrent loans to loans | 0.5286% | 1,481 |
| Net loans and leases to total assets | 54.8700% | 3,019 |
| Net loans and leases to deposits | 62.5170% | 2,985 |
| Net loans and leases to core deposits | 64.8554% | 3,044 |
| Total domestic deposits to total assets | 87.7800% | 2,493 |
| Equity capital to assets | 5.8706% | 4,011 |
| Core capital (leverage) ratio | 8.3027% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9271% | 2,085 |
| Memoranda: | ||
| Average total assets | $2,373,780,000 | 468 |
| Average earning assets | $2,262,712,250 | 448 |
| Average equity | $147,266,250 | 693 |
| Average total loans | $1,249,486,000 | 552 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9236% | 3,731 |
| Cost of funding earning assets | 0.1476% | 3,609 |
| Net interest margin | 2.7760% | 3,512 |
| Noninterest income to average assets | 2.0851% | 221 |
| Noninterest expense to average assets | 3.5259% | 435 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1911% | 1,454 |
| Return on assets (ROA) | 1.1926% | 1,430 |
| Pretax return on assets | 1.2148% | 2,026 |
| Return on Equity (ROE) | 18.9089% | 393 |
| Retained earnings to average equity (ytd only) | 8.4120% | 1,467 |
| Net charge-offs to loans | 0.0053% | 1,821 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 444.2727% | 284 |
| Efficiency ratio | 74.1841% | 1,487 |
| Assets per employee ($millions) | 5.5307% | 3,195 |
| Cash dividends to net income (ytd only)* | 55.5131% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 764 |
| Loan loss allowance to noncurrent loans | 281.5761% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 1,523 |
| Noncurrent loans to loans | 0.6514% | 1,311 |
| Net loans and leases to total assets | 53.2197% | 3,043 |
| Net loans and leases to deposits | 60.5831% | 3,014 |
| Net loans and leases to core deposits | 62.9007% | 3,039 |
| Total domestic deposits to total assets | 87.8458% | 2,634 |
| Equity capital to assets | 5.4931% | 4,364 |
| Core capital (leverage) ratio | 7.9508% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5974% | 2,254 |
| Memoranda: | ||
| Average total assets | $2,416,742,667 | 458 |
| Average earning assets | $2,310,557,000 | 445 |
| Average equity | $152,425,667 | 684 |
| Average total loans | $1,247,792,667 | 546 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7552% | 3,833 |
| Cost of funding earning assets | 0.1467% | 3,540 |
| Net interest margin | 2.6086% | 3,637 |
| Noninterest income to average assets | 2.1334% | 219 |
| Noninterest expense to average assets | 3.4752% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1372% | 1,416 |
| Return on assets (ROA) | 1.1401% | 1,405 |
| Pretax return on assets | 1.1677% | 1,927 |
| Return on Equity (ROE) | 17.0360% | 420 |
| Retained earnings to average equity (ytd only) | 4.8917% | 2,631 |
| Net charge-offs to loans | 0.0406% | 877 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 56.8730% | 873 |
| Efficiency ratio | 74.6830% | 1,660 |
| Assets per employee ($millions) | 5.7488% | 3,059 |
| Cash dividends to net income (ytd only)* | 71.2860% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8627% | 793 |
| Loan loss allowance to noncurrent loans | 638.6320% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 2,678 |
| Noncurrent loans to loans | 0.2917% | 2,426 |
| Net loans and leases to total assets | 49.4946% | 3,227 |
| Net loans and leases to deposits | 55.5081% | 3,304 |
| Net loans and leases to core deposits | 57.6368% | 3,329 |
| Total domestic deposits to total assets | 89.1665% | 1,996 |
| Equity capital to assets | 5.8878% | 4,607 |
| Core capital (leverage) ratio | 7.4656% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6049% | 2,379 |
| Memoranda: | ||
| Average total assets | $2,460,892,500 | 458 |
| Average earning assets | $2,364,660,000 | 443 |
| Average equity | $164,686,500 | 658 |
| Average total loans | $1,240,517,000 | 543 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0008% | 3,869 |
| Cost of funding earning assets | 0.1736% | 3,733 |
| Net interest margin | 2.8272% | 3,605 |
| Noninterest income to average assets | 2.6915% | 211 |
| Noninterest expense to average assets | 3.8430% | 340 |
| Loan and lease loss provision to assets | 0.0864% | 1,424 |
| Net operating income to assets | 1.4415% | 1,155 |
| Return on assets (ROA) | 1.4561% | 1,189 |
| Pretax return on assets | 1.4856% | 1,772 |
| Return on Equity (ROE) | 16.7939% | 620 |
| Retained earnings to average equity (ytd only) | 6.8331% | 1,990 |
| Net charge-offs to loans | 0.0206% | 1,858 |
| Credit loss provision to net charge-offs | 790.5138% | 610 |
| Earnings coverage of net charge-offs (x) | 142.5296% | 691 |
| Efficiency ratio | 70.9682% | 1,621 |
| Assets per employee ($millions) | 5.7912% | 2,966 |
| Cash dividends to net income (ytd only)* | 59.3120% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 775 |
| Loan loss allowance to noncurrent loans | 550.8909% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 2,644 |
| Noncurrent loans to loans | 0.3386% | 2,367 |
| Net loans and leases to total assets | 49.4446% | 3,354 |
| Net loans and leases to deposits | 56.3566% | 3,388 |
| Net loans and leases to core deposits | 58.6670% | 3,422 |
| Total domestic deposits to total assets | 87.7353% | 2,177 |
| Equity capital to assets | 7.4924% | 4,591 |
| Core capital (leverage) ratio | 7.4671% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5254% | 2,439 |
| Memoranda: | ||
| Average total assets | $2,315,781,400 | 459 |
| Average earning assets | $2,218,667,800 | 448 |
| Average equity | $200,787,600 | 541 |
| Average total loans | $1,225,254,200 | 556 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0954% | 3,826 |
| Cost of funding earning assets | 0.1804% | 3,819 |
| Net interest margin | 2.9150% | 3,520 |
| Noninterest income to average assets | 2.8606% | 210 |
| Noninterest expense to average assets | 3.9515% | 295 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6636% | 895 |
| Return on assets (ROA) | 1.6835% | 904 |
| Pretax return on assets | 1.7204% | 1,359 |
| Return on Equity (ROE) | 20.0643% | 422 |
| Retained earnings to average equity (ytd only) | 10.2316% | 1,253 |
| Net charge-offs to loans | -0.0123% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7263% | 1,628 |
| Assets per employee ($millions) | 5.4548% | 3,243 |
| Cash dividends to net income (ytd only)* | 49.0059% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7834% | 962 |
| Loan loss allowance to noncurrent loans | 341.2985% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 2,439 |
| Noncurrent loans to loans | 0.5225% | 1,994 |
| Net loans and leases to total assets | 50.1405% | 3,399 |
| Net loans and leases to deposits | 57.8953% | 3,416 |
| Net loans and leases to core deposits | 60.4132% | 3,446 |
| Total domestic deposits to total assets | 86.6054% | 2,503 |
| Equity capital to assets | 8.2172% | 4,400 |
| Core capital (leverage) ratio | 7.8067% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0936% | 2,325 |
| Memoranda: | ||
| Average total assets | $2,262,560,000 | 474 |
| Average earning assets | $2,166,259,500 | 462 |
| Average equity | $189,838,000 | 573 |
| Average total loans | $1,220,814,250 | 566 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0857% | 3,900 |
| Cost of funding earning assets | 0.1876% | 3,872 |
| Net interest margin | 2.8980% | 3,580 |
| Noninterest income to average assets | 3.1680% | 171 |
| Noninterest expense to average assets | 4.0645% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8387% | 659 |
| Return on assets (ROA) | 1.8387% | 686 |
| Pretax return on assets | 1.8755% | 1,064 |
| Return on Equity (ROE) | 21.7556% | 336 |
| Retained earnings to average equity (ytd only) | 12.1950% | 874 |
| Net charge-offs to loans | -0.0106% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2396% | 1,852 |
| Assets per employee ($millions) | 5.3473% | 3,292 |
| Cash dividends to net income (ytd only)* | 43.9453% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 885 |
| Loan loss allowance to noncurrent loans | 285.4772% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 2,137 |
| Noncurrent loans to loans | 0.6305% | 1,834 |
| Net loans and leases to total assets | 51.3811% | 3,410 |
| Net loans and leases to deposits | 59.8876% | 3,397 |
| Net loans and leases to core deposits | 62.6939% | 3,403 |
| Total domestic deposits to total assets | 85.7959% | 2,804 |
| Equity capital to assets | 8.4257% | 4,259 |
| Core capital (leverage) ratio | 7.8464% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6122% | 2,120 |
| Memoranda: | ||
| Average total assets | $2,227,623,000 | 479 |
| Average earning assets | $2,130,746,333 | 464 |
| Average equity | $188,273,333 | 571 |
| Average total loans | $1,224,897,667 | 559 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2433% | 3,603 |
| Cost of funding earning assets | 0.1812% | 4,071 |
| Net interest margin | 3.0621% | 3,101 |
| Noninterest income to average assets | 3.2863% | 182 |
| Noninterest expense to average assets | 4.0948% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0778% | 513 |
| Return on assets (ROA) | 2.0778% | 548 |
| Pretax return on assets | 2.1200% | 780 |
| Return on Equity (ROE) | 24.5456% | 276 |
| Retained earnings to average equity (ytd only) | 15.9534% | 527 |
| Net charge-offs to loans | -0.0116% | 3,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7089% | 2,270 |
| Assets per employee ($millions) | 5.5263% | 3,087 |
| Cash dividends to net income (ytd only)* | 35.0048% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 925 |
| Loan loss allowance to noncurrent loans | 255.7276% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 2,253 |
| Noncurrent loans to loans | 0.6894% | 1,857 |
| Net loans and leases to total assets | 52.5623% | 3,387 |
| Net loans and leases to deposits | 60.7547% | 3,434 |
| Net loans and leases to core deposits | 63.6092% | 3,450 |
| Total domestic deposits to total assets | 86.5157% | 2,520 |
| Equity capital to assets | 8.2646% | 4,316 |
| Core capital (leverage) ratio | 8.0275% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9203% | 1,922 |
| Memoranda: | ||
| Average total assets | $2,199,778,000 | 480 |
| Average earning assets | $2,103,805,000 | 465 |
| Average equity | $186,217,000 | 575 |
| Average total loans | $1,239,998,000 | 556 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5971% | 3,822 |
| Cost of funding earning assets | 0.2693% | 4,296 |
| Net interest margin | 3.3278% | 2,996 |
| Noninterest income to average assets | 3.0000% | 193 |
| Noninterest expense to average assets | 4.4496% | 261 |
| Loan and lease loss provision to assets | 0.4862% | 528 |
| Net operating income to assets | 1.1975% | 1,565 |
| Return on assets (ROA) | 1.6105% | 677 |
| Pretax return on assets | 1.6434% | 972 |
| Return on Equity (ROE) | 16.7272% | 440 |
| Retained earnings to average equity (ytd only) | 7.1893% | 1,327 |
| Net charge-offs to loans | 0.2786% | 616 |
| Credit loss provision to net charge-offs | 267.0623% | 1,860 |
| Earnings coverage of net charge-offs (x) | 9.3837% | 2,529 |
| Efficiency ratio | 72.1157% | 1,667 |
| Assets per employee ($millions) | 5.1150% | 3,268 |
| Cash dividends to net income (ytd only)* | 57.0202% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 1,037 |
| Loan loss allowance to noncurrent loans | 259.7214% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 2,431 |
| Noncurrent loans to loans | 0.6542% | 2,045 |
| Net loans and leases to total assets | 58.4308% | 3,041 |
| Net loans and leases to deposits | 67.7667% | 3,103 |
| Net loans and leases to core deposits | 69.1765% | 3,321 |
| Total domestic deposits to total assets | 86.2235% | 2,265 |
| Equity capital to assets | 8.6805% | 4,310 |
| Core capital (leverage) ratio | 8.1820% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8823% | 2,678 |
| Memoranda: | ||
| Average total assets | $1,851,264,600 | 512 |
| Average earning assets | $1,756,645,400 | 500 |
| Average equity | $178,237,000 | 569 |
| Average total loans | $1,209,774,800 | 546 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8425% | 3,432 |
| Cost of funding earning assets | 0.2956% | 4,333 |
| Net interest margin | 3.5469% | 2,435 |
| Noninterest income to average assets | 3.0409% | 181 |
| Noninterest expense to average assets | 4.5825% | 241 |
| Loan and lease loss provision to assets | 0.4560% | 698 |
| Net operating income to assets | 1.3272% | 1,293 |
| Return on assets (ROA) | 1.8987% | 407 |
| Pretax return on assets | 1.9460% | 575 |
| Return on Equity (ROE) | 19.1601% | 287 |
| Retained earnings to average equity (ytd only) | 10.8614% | 604 |
| Net charge-offs to loans | 0.0716% | 1,597 |
| Credit loss provision to net charge-offs | 948.6781% | 858 |
| Earnings coverage of net charge-offs (x) | 37.8351% | 1,407 |
| Efficiency ratio | 71.4679% | 1,700 |
| Assets per employee ($millions) | 4.6639% | 3,640 |
| Cash dividends to net income (ytd only)* | 43.3122% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 1,064 |
| Loan loss allowance to noncurrent loans | 195.4688% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 2,059 |
| Noncurrent loans to loans | 0.8256% | 1,775 |
| Net loans and leases to total assets | 65.8791% | 2,534 |
| Net loans and leases to deposits | 77.1309% | 2,638 |
| Net loans and leases to core deposits | 78.8798% | 2,930 |
| Total domestic deposits to total assets | 85.4121% | 2,280 |
| Equity capital to assets | 9.4333% | 3,740 |
| Core capital (leverage) ratio | 8.7068% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,783,403,750 | 524 |
| Average earning assets | $1,689,669,000 | 507 |
| Average equity | $176,730,750 | 564 |
| Average total loans | $1,196,779,500 | 540 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 3,212 |
| Cost of funding earning assets | 0.3302% | 4,362 |
| Net interest margin | 3.7130% | 2,120 |
| Noninterest income to average assets | 2.8380% | 178 |
| Noninterest expense to average assets | 4.7091% | 225 |
| Loan and lease loss provision to assets | 0.7086% | 386 |
| Net operating income to assets | 0.9048% | 2,672 |
| Return on assets (ROA) | 1.2210% | 1,704 |
| Pretax return on assets | 1.2556% | 2,165 |
| Return on Equity (ROE) | 12.0999% | 1,310 |
| Retained earnings to average equity (ytd only) | 4.0425% | 2,882 |
| Net charge-offs to loans | 0.0879% | 1,369 |
| Credit loss provision to net charge-offs | 1,200.7874% | 697 |
| Earnings coverage of net charge-offs (x) | 27.7618% | 1,481 |
| Efficiency ratio | 74.1161% | 1,450 |
| Assets per employee ($millions) | 4.5086% | 3,780 |
| Cash dividends to net income (ytd only)* | 66.5906% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 932 |
| Loan loss allowance to noncurrent loans | 274.6663% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 2,653 |
| Noncurrent loans to loans | 0.5948% | 2,373 |
| Net loans and leases to total assets | 67.8893% | 2,374 |
| Net loans and leases to deposits | 79.4494% | 2,496 |
| Net loans and leases to core deposits | 81.2402% | 2,847 |
| Total domestic deposits to total assets | 85.4497% | 2,227 |
| Equity capital to assets | 9.4985% | 3,665 |
| Core capital (leverage) ratio | 8.1234% | 4,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,721,819,667 | 532 |
| Average earning assets | $1,627,329,000 | 517 |
| Average equity | $173,753,667 | 568 |
| Average total loans | $1,156,415,667 | 547 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 3,448 |
| Cost of funding earning assets | 0.3430% | 4,543 |
| Net interest margin | 3.7833% | 2,042 |
| Noninterest income to average assets | 3.3810% | 129 |
| Noninterest expense to average assets | 5.0356% | 219 |
| Loan and lease loss provision to assets | 0.9510% | 228 |
| Net operating income to assets | 0.9574% | 2,325 |
| Return on assets (ROA) | 1.0632% | 2,062 |
| Pretax return on assets | 1.0889% | 2,559 |
| Return on Equity (ROE) | 10.5958% | 1,534 |
| Retained earnings to average equity (ytd only) | 2.6983% | 3,197 |
| Net charge-offs to loans | -0.0202% | 4,339 |
| Credit loss provision to net charge-offs | -7,200.0000% | 3,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2740% | 2,044 |
| Assets per employee ($millions) | 3.9570% | 3,979 |
| Cash dividends to net income (ytd only)* | 74.5342% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 583 |
| Loan loss allowance to noncurrent loans | 231.8323% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 2,357 |
| Noncurrent loans to loans | 0.8286% | 1,951 |
| Net loans and leases to total assets | 64.5504% | 2,998 |
| Net loans and leases to deposits | 76.0984% | 3,065 |
| Net loans and leases to core deposits | 77.7002% | 3,371 |
| Total domestic deposits to total assets | 84.8250% | 2,478 |
| Equity capital to assets | 10.1088% | 3,685 |
| Core capital (leverage) ratio | 9.6441% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,514,245,000 | 565 |
| Average earning assets | $1,435,469,000 | 552 |
| Average equity | $151,947,500 | 653 |
| Average total loans | $989,911,000 | 603 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3852% | 3,292 |
| Cost of funding earning assets | 0.3104% | 4,706 |
| Net interest margin | 4.0749% | 1,606 |
| Noninterest income to average assets | 2.7939% | 170 |
| Noninterest expense to average assets | 4.9562% | 220 |
| Loan and lease loss provision to assets | 0.0424% | 3,162 |
| Net operating income to assets | 1.6195% | 800 |
| Return on assets (ROA) | 1.6220% | 853 |
| Pretax return on assets | 1.6541% | 1,327 |
| Return on Equity (ROE) | 15.5392% | 601 |
| Retained earnings to average equity (ytd only) | 0.6471% | 4,504 |
| Net charge-offs to loans | 0.0282% | 2,831 |
| Credit loss provision to net charge-offs | 226.4151% | 1,181 |
| Earnings coverage of net charge-offs (x) | 90.4755% | 731 |
| Efficiency ratio | 74.5267% | 1,544 |
| Assets per employee ($millions) | 3.8481% | 4,096 |
| Cash dividends to net income (ytd only)* | 95.8355% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 907 |
| Loan loss allowance to noncurrent loans | 342.8014% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 3,011 |
| Noncurrent loans to loans | 0.4771% | 2,760 |
| Net loans and leases to total assets | 63.8554% | 3,219 |
| Net loans and leases to deposits | 74.4958% | 3,306 |
| Net loans and leases to core deposits | 76.1311% | 3,568 |
| Total domestic deposits to total assets | 85.7167% | 2,183 |
| Equity capital to assets | 9.9578% | 3,962 |
| Core capital (leverage) ratio | 9.8814% | 3,640 |
| Tier 1 risk-based capital ratio | 13.0481% | 3,768 |
| Total risk-based capital ratio | 14.3005% | 3,646 |
| Memoranda: | ||
| Average total assets | $1,415,320,800 | 576 |
| Average earning assets | $1,339,406,800 | 560 |
| Average equity | $147,729,600 | 632 |
| Average total loans | $940,108,200 | 609 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 3,299 |
| Cost of funding earning assets | 0.2951% | 4,806 |
| Net interest margin | 4.1200% | 1,573 |
| Noninterest income to average assets | 2.6309% | 183 |
| Noninterest expense to average assets | 4.8935% | 225 |
| Loan and lease loss provision to assets | 0.0286% | 3,333 |
| Net operating income to assets | 1.5653% | 1,008 |
| Return on assets (ROA) | 1.5678% | 1,059 |
| Pretax return on assets | 1.6106% | 1,597 |
| Return on Equity (ROE) | 14.8382% | 811 |
| Retained earnings to average equity (ytd only) | 4.9009% | 2,937 |
| Net charge-offs to loans | 0.0166% | 2,813 |
| Credit loss provision to net charge-offs | 258.6207% | 1,060 |
| Earnings coverage of net charge-offs (x) | 147.8217% | 546 |
| Efficiency ratio | 74.9364% | 1,451 |
| Assets per employee ($millions) | 3.5995% | 4,393 |
| Cash dividends to net income (ytd only)* | 66.9711% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 830 |
| Loan loss allowance to noncurrent loans | 407.9990% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 3,277 |
| Noncurrent loans to loans | 0.4158% | 3,054 |
| Net loans and leases to total assets | 64.9638% | 3,180 |
| Net loans and leases to deposits | 77.4221% | 3,160 |
| Net loans and leases to core deposits | 79.1444% | 3,456 |
| Total domestic deposits to total assets | 83.9086% | 2,856 |
| Equity capital to assets | 10.9818% | 3,108 |
| Core capital (leverage) ratio | 10.5898% | 3,017 |
| Tier 1 risk-based capital ratio | 14.0121% | 3,325 |
| Total risk-based capital ratio | 15.2650% | 3,231 |
| Memoranda: | ||
| Average total assets | $1,396,844,500 | 587 |
| Average earning assets | $1,322,019,750 | 568 |
| Average equity | $147,588,500 | 633 |
| Average total loans | $933,445,000 | 614 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 3,297 |
| Cost of funding earning assets | 0.2722% | 4,894 |
| Net interest margin | 4.1413% | 1,498 |
| Noninterest income to average assets | 2.5558% | 193 |
| Noninterest expense to average assets | 4.7793% | 248 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6520% | 805 |
| Return on assets (ROA) | 1.6558% | 829 |
| Pretax return on assets | 1.7004% | 1,267 |
| Return on Equity (ROE) | 15.8793% | 609 |
| Retained earnings to average equity (ytd only) | 0.7758% | 4,494 |
| Net charge-offs to loans | -0.0011% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8017% | 1,666 |
| Assets per employee ($millions) | 3.6069% | 4,374 |
| Cash dividends to net income (ytd only)* | 95.1146% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 855 |
| Loan loss allowance to noncurrent loans | 193.0175% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 2,166 |
| Noncurrent loans to loans | 0.8715% | 1,857 |
| Net loans and leases to total assets | 64.8185% | 3,256 |
| Net loans and leases to deposits | 77.4510% | 3,198 |
| Net loans and leases to core deposits | 79.0629% | 3,502 |
| Total domestic deposits to total assets | 83.6896% | 2,981 |
| Equity capital to assets | 10.6150% | 3,422 |
| Core capital (leverage) ratio | 10.3801% | 3,211 |
| Tier 1 risk-based capital ratio | 13.6005% | 3,532 |
| Total risk-based capital ratio | 14.8533% | 3,421 |
| Memoranda: | ||
| Average total assets | $1,396,928,000 | 584 |
| Average earning assets | $1,322,350,000 | 569 |
| Average equity | $145,661,000 | 638 |
| Average total loans | $936,946,670 | 612 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 3,476 |
| Cost of funding earning assets | 0.2416% | 5,006 |
| Net interest margin | 4.0860% | 1,588 |
| Noninterest income to average assets | 2.3694% | 198 |
| Noninterest expense to average assets | 4.6902% | 256 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5064% | 1,100 |
| Return on assets (ROA) | 1.5056% | 1,130 |
| Pretax return on assets | 1.5457% | 1,620 |
| Return on Equity (ROE) | 14.5700% | 839 |
| Retained earnings to average equity (ytd only) | 0.7202% | 4,380 |
| Net charge-offs to loans | 0.0085% | 2,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 270.1500% | 294 |
| Efficiency ratio | 75.2031% | 1,589 |
| Assets per employee ($millions) | 3.5903% | 4,476 |
| Cash dividends to net income (ytd only)* | 95.0570% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6395% | 994 |
| Loan loss allowance to noncurrent loans | 220.8173% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 2,587 |
| Noncurrent loans to loans | 0.7425% | 2,167 |
| Net loans and leases to total assets | 67.4294% | 2,838 |
| Net loans and leases to deposits | 79.8228% | 2,857 |
| Net loans and leases to core deposits | 81.2044% | 3,252 |
| Total domestic deposits to total assets | 84.4739% | 2,859 |
| Equity capital to assets | 10.5724% | 3,284 |
| Core capital (leverage) ratio | 10.2467% | 3,335 |
| Tier 1 risk-based capital ratio | 13.3719% | 3,684 |
| Total risk-based capital ratio | 14.6243% | 3,589 |
| Memoranda: | ||
| Average total assets | $1,397,462,000 | 585 |
| Average earning assets | $1,322,662,500 | 570 |
| Average equity | $144,406,500 | 640 |
| Average total loans | $945,292,500 | 612 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0846% | 3,785 |
| Cost of funding earning assets | 0.1629% | 5,139 |
| Net interest margin | 3.9217% | 2,255 |
| Noninterest income to average assets | 2.5784% | 189 |
| Noninterest expense to average assets | 4.6433% | 265 |
| Loan and lease loss provision to assets | 0.0422% | 3,346 |
| Net operating income to assets | 1.5832% | 916 |
| Return on assets (ROA) | 1.5854% | 897 |
| Pretax return on assets | 1.6112% | 1,433 |
| Return on Equity (ROE) | 16.5551% | 538 |
| Retained earnings to average equity (ytd only) | 11.0470% | 430 |
| Net charge-offs to loans | -0.0198% | 4,697 |
| Credit loss provision to net charge-offs | -320.8556% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7684% | 1,657 |
| Assets per employee ($millions) | 3.6406% | 4,399 |
| Cash dividends to net income (ytd only)* | 33.2712% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 959 |
| Loan loss allowance to noncurrent loans | 179.0259% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 2,198 |
| Noncurrent loans to loans | 0.9119% | 1,760 |
| Net loans and leases to total assets | 65.6724% | 3,177 |
| Net loans and leases to deposits | 77.7919% | 3,189 |
| Net loans and leases to core deposits | 79.0702% | 3,495 |
| Total domestic deposits to total assets | 84.4206% | 2,862 |
| Equity capital to assets | 10.1021% | 3,568 |
| Core capital (leverage) ratio | 10.0135% | 3,558 |
| Tier 1 risk-based capital ratio | 13.2790% | 3,674 |
| Total risk-based capital ratio | 14.5314% | 3,556 |
| Memoranda: | ||
| Average total assets | $1,421,869,400 | 561 |
| Average earning assets | $1,347,289,400 | 547 |
| Average equity | $136,163,200 | 636 |
| Average total loans | $943,662,200 | 589 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 3,978 |
| Cost of funding earning assets | 0.1497% | 5,220 |
| Net interest margin | 3.8322% | 2,520 |
| Noninterest income to average assets | 2.5709% | 200 |
| Noninterest expense to average assets | 4.5794% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6013% | 960 |
| Return on assets (ROA) | 1.6312% | 900 |
| Pretax return on assets | 1.6550% | 1,397 |
| Return on Equity (ROE) | 17.2704% | 512 |
| Retained earnings to average equity (ytd only) | 12.3082% | 440 |
| Net charge-offs to loans | -0.0095% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8110% | 1,626 |
| Assets per employee ($millions) | 3.7072% | 4,296 |
| Cash dividends to net income (ytd only)* | 28.7323% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 1,206 |
| Loan loss allowance to noncurrent loans | 132.3675% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 1,888 |
| Noncurrent loans to loans | 1.1675% | 1,446 |
| Net loans and leases to total assets | 66.3766% | 3,137 |
| Net loans and leases to deposits | 78.4958% | 3,190 |
| Net loans and leases to core deposits | 79.8174% | 3,506 |
| Total domestic deposits to total assets | 84.5607% | 2,779 |
| Equity capital to assets | 9.7605% | 3,860 |
| Core capital (leverage) ratio | 9.7812% | 3,860 |
| Tier 1 risk-based capital ratio | 13.0556% | 3,874 |
| Total risk-based capital ratio | 14.3072% | 3,785 |
| Memoranda: | ||
| Average total assets | $1,422,377,000 | 562 |
| Average earning assets | $1,348,572,750 | 544 |
| Average equity | $134,345,750 | 638 |
| Average total loans | $942,598,250 | 585 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 4,104 |
| Cost of funding earning assets | 0.1357% | 5,298 |
| Net interest margin | 3.7537% | 2,737 |
| Noninterest income to average assets | 2.6882% | 189 |
| Noninterest expense to average assets | 4.5528% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6548% | 793 |
| Return on assets (ROA) | 1.6548% | 804 |
| Pretax return on assets | 1.6905% | 1,241 |
| Return on Equity (ROE) | 17.7163% | 452 |
| Retained earnings to average equity (ytd only) | 13.9584% | 283 |
| Net charge-offs to loans | -0.0083% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9231% | 1,859 |
| Assets per employee ($millions) | 3.8085% | 4,198 |
| Cash dividends to net income (ytd only)* | 21.2116% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 1,183 |
| Loan loss allowance to noncurrent loans | 135.9834% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7503% | 1,988 |
| Noncurrent loans to loans | 1.1533% | 1,512 |
| Net loans and leases to total assets | 64.0354% | 3,395 |
| Net loans and leases to deposits | 76.0354% | 3,326 |
| Net loans and leases to core deposits | 77.3639% | 3,632 |
| Total domestic deposits to total assets | 84.2179% | 2,982 |
| Equity capital to assets | 9.4462% | 4,155 |
| Core capital (leverage) ratio | 9.6295% | 3,964 |
| Tier 1 risk-based capital ratio | 12.8631% | 3,974 |
| Total risk-based capital ratio | 14.1147% | 3,888 |
| Memoranda: | ||
| Average total assets | $1,424,447,670 | 563 |
| Average earning assets | $1,349,057,330 | 543 |
| Average equity | $133,052,670 | 644 |
| Average total loans | $938,545,330 | 590 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8111% | 4,182 |
| Cost of funding earning assets | 0.1228% | 5,381 |
| Net interest margin | 3.6884% | 2,848 |
| Noninterest income to average assets | 2.7235% | 178 |
| Noninterest expense to average assets | 4.5791% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6153% | 826 |
| Return on assets (ROA) | 1.6153% | 827 |
| Pretax return on assets | 1.6439% | 1,260 |
| Return on Equity (ROE) | 17.3936% | 472 |
| Retained earnings to average equity (ytd only) | 17.3936% | 179 |
| Net charge-offs to loans | -0.0115% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5838% | 1,951 |
| Assets per employee ($millions) | 3.7705% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,228 |
| Loan loss allowance to noncurrent loans | 160.3465% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 2,370 |
| Noncurrent loans to loans | 0.9791% | 1,860 |
| Net loans and leases to total assets | 65.5963% | 3,104 |
| Net loans and leases to deposits | 76.7464% | 3,136 |
| Net loans and leases to core deposits | 78.1661% | 3,479 |
| Total domestic deposits to total assets | 85.4715% | 2,766 |
| Equity capital to assets | 9.4828% | 4,105 |
| Core capital (leverage) ratio | 9.5390% | 4,024 |
| Tier 1 risk-based capital ratio | 12.6392% | 4,148 |
| Total risk-based capital ratio | 13.8910% | 4,054 |
| Memoranda: | ||
| Average total assets | $1,414,961,500 | 569 |
| Average earning assets | $1,342,493,500 | 552 |
| Average equity | $131,405,000 | 650 |
| Average total loans | $938,304,500 | 594 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 3,975 |
| Cost of funding earning assets | 0.1100% | 5,459 |
| Net interest margin | 3.7122% | 2,751 |
| Noninterest income to average assets | 2.2886% | 245 |
| Noninterest expense to average assets | 4.4712% | 324 |
| Loan and lease loss provision to assets | 0.0855% | 2,488 |
| Net operating income to assets | 1.2169% | 1,460 |
| Return on assets (ROA) | 1.2230% | 1,469 |
| Pretax return on assets | 1.2550% | 2,530 |
| Return on Equity (ROE) | 13.4286% | 860 |
| Retained earnings to average equity (ytd only) | 5.6022% | 1,772 |
| Net charge-offs to loans | 0.0124% | 3,647 |
| Credit loss provision to net charge-offs | 1,043.4783% | 346 |
| Earnings coverage of net charge-offs (x) | 162.7739% | 452 |
| Efficiency ratio | 77.0178% | 1,484 |
| Assets per employee ($millions) | 3.7960% | 4,290 |
| Cash dividends to net income (ytd only)* | 58.2819% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 1,235 |
| Loan loss allowance to noncurrent loans | 188.6705% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 2,734 |
| Noncurrent loans to loans | 0.8288% | 2,147 |
| Net loans and leases to total assets | 64.9557% | 3,237 |
| Net loans and leases to deposits | 75.3906% | 3,393 |
| Net loans and leases to core deposits | 76.6874% | 3,689 |
| Total domestic deposits to total assets | 86.1589% | 2,367 |
| Equity capital to assets | 9.0932% | 4,623 |
| Core capital (leverage) ratio | 9.0044% | 4,645 |
| Tier 1 risk-based capital ratio | 11.8916% | 4,598 |
| Total risk-based capital ratio | 13.1431% | 4,479 |
| Memoranda: | ||
| Average total assets | $1,403,000,400 | 547 |
| Average earning assets | $1,329,142,400 | 534 |
| Average equity | $127,772,200 | 644 |
| Average total loans | $924,331,600 | 576 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 4,042 |
| Cost of funding earning assets | 0.1090% | 5,523 |
| Net interest margin | 3.6816% | 2,818 |
| Noninterest income to average assets | 2.3464% | 244 |
| Noninterest expense to average assets | 4.4225% | 335 |
| Loan and lease loss provision to assets | 0.0858% | 2,374 |
| Net operating income to assets | 1.2966% | 1,348 |
| Return on assets (ROA) | 1.3048% | 1,354 |
| Pretax return on assets | 1.3352% | 2,345 |
| Return on Equity (ROE) | 14.3218% | 769 |
| Retained earnings to average equity (ytd only) | 7.5169% | 1,425 |
| Net charge-offs to loans | 0.0348% | 2,742 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 61.7129% | 975 |
| Efficiency ratio | 75.7903% | 1,622 |
| Assets per employee ($millions) | 3.7862% | 4,322 |
| Cash dividends to net income (ytd only)* | 47.5146% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,484 |
| Loan loss allowance to noncurrent loans | 172.9687% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 2,687 |
| Noncurrent loans to loans | 0.8755% | 2,187 |
| Net loans and leases to total assets | 66.7584% | 3,011 |
| Net loans and leases to deposits | 78.6887% | 3,100 |
| Net loans and leases to core deposits | 80.1144% | 3,447 |
| Total domestic deposits to total assets | 84.8387% | 2,781 |
| Equity capital to assets | 9.4843% | 4,461 |
| Core capital (leverage) ratio | 9.1319% | 4,593 |
| Tier 1 risk-based capital ratio | 11.9883% | 4,632 |
| Total risk-based capital ratio | 13.2394% | 4,511 |
| Memoranda: | ||
| Average total assets | $1,397,873,250 | 549 |
| Average earning assets | $1,324,667,250 | 536 |
| Average equity | $127,354,750 | 651 |
| Average total loans | $920,580,000 | 578 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,154 |
| Cost of funding earning assets | 0.1067% | 5,573 |
| Net interest margin | 3.6165% | 2,971 |
| Noninterest income to average assets | 2.3311% | 252 |
| Noninterest expense to average assets | 4.3354% | 356 |
| Loan and lease loss provision to assets | 0.0857% | 2,273 |
| Net operating income to assets | 1.2929% | 1,314 |
| Return on assets (ROA) | 1.3051% | 1,303 |
| Pretax return on assets | 1.3498% | 2,212 |
| Return on Equity (ROE) | 14.5221% | 735 |
| Retained earnings to average equity (ytd only) | 8.9611% | 854 |
| Net charge-offs to loans | 0.0289% | 2,635 |
| Credit loss provision to net charge-offs | 454.5455% | 711 |
| Earnings coverage of net charge-offs (x) | 75.4924% | 799 |
| Efficiency ratio | 75.2895% | 1,820 |
| Assets per employee ($millions) | 3.7481% | 4,359 |
| Cash dividends to net income (ytd only)* | 38.2932% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 1,559 |
| Loan loss allowance to noncurrent loans | 166.4616% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 2,728 |
| Noncurrent loans to loans | 0.9041% | 2,170 |
| Net loans and leases to total assets | 66.7669% | 2,993 |
| Net loans and leases to deposits | 79.1244% | 3,009 |
| Net loans and leases to core deposits | 80.5945% | 3,373 |
| Total domestic deposits to total assets | 84.3822% | 3,060 |
| Equity capital to assets | 9.4672% | 4,434 |
| Core capital (leverage) ratio | 9.0054% | 4,717 |
| Tier 1 risk-based capital ratio | 11.9420% | 4,667 |
| Total risk-based capital ratio | 13.1931% | 4,566 |
| Memoranda: | ||
| Average total assets | $1,400,650,000 | 549 |
| Average earning assets | $1,327,371,000 | 532 |
| Average equity | $125,877,000 | 662 |
| Average total loans | $913,473,330 | 584 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6133% | 4,382 |
| Cost of funding earning assets | 0.1080% | 5,624 |
| Net interest margin | 3.5053% | 3,252 |
| Noninterest income to average assets | 2.3861% | 248 |
| Noninterest expense to average assets | 4.3392% | 370 |
| Loan and lease loss provision to assets | 0.0850% | 2,121 |
| Net operating income to assets | 1.2409% | 1,404 |
| Return on assets (ROA) | 1.2533% | 1,401 |
| Pretax return on assets | 1.2966% | 2,246 |
| Return on Equity (ROE) | 14.3193% | 747 |
| Retained earnings to average equity (ytd only) | 14.3193% | 276 |
| Net charge-offs to loans | 0.0009% | 2,930 |
| Credit loss provision to net charge-offs | 15,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 2,415.0000% | 11 |
| Efficiency ratio | 76.0179% | 1,901 |
| Assets per employee ($millions) | 3.9208% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 1,520 |
| Loan loss allowance to noncurrent loans | 307.4762% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 3,929 |
| Noncurrent loans to loans | 0.5031% | 3,299 |
| Net loans and leases to total assets | 61.6472% | 3,584 |
| Net loans and leases to deposits | 71.7740% | 3,630 |
| Net loans and leases to core deposits | 73.1325% | 3,904 |
| Total domestic deposits to total assets | 85.8907% | 2,723 |
| Equity capital to assets | 8.7774% | 5,018 |
| Core capital (leverage) ratio | 8.6926% | 5,055 |
| Tier 1 risk-based capital ratio | 11.8725% | 4,793 |
| Total risk-based capital ratio | 13.1238% | 4,701 |
| Memoranda: | ||
| Average total assets | $1,411,330,500 | 551 |
| Average earning assets | $1,337,501,500 | 528 |
| Average equity | $123,525,500 | 668 |
| Average total loans | $902,720,000 | 594 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6647% | 4,326 |
| Cost of funding earning assets | 0.1176% | 5,622 |
| Net interest margin | 3.5472% | 3,261 |
| Noninterest income to average assets | 2.5008% | 252 |
| Noninterest expense to average assets | 4.5189% | 366 |
| Loan and lease loss provision to assets | 0.1031% | 2,324 |
| Net operating income to assets | 1.2082% | 1,479 |
| Return on assets (ROA) | 1.2174% | 1,533 |
| Pretax return on assets | 1.2461% | 2,489 |
| Return on Equity (ROE) | 13.9748% | 781 |
| Retained earnings to average equity (ytd only) | 8.0590% | 841 |
| Net charge-offs to loans | 0.0535% | 2,968 |
| Credit loss provision to net charge-offs | 308.3700% | 961 |
| Earnings coverage of net charge-offs (x) | 40.0859% | 1,174 |
| Efficiency ratio | 77.1318% | 1,824 |
| Assets per employee ($millions) | 3.7811% | 4,340 |
| Cash dividends to net income (ytd only)* | 42.3319% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,667 |
| Loan loss allowance to noncurrent loans | 318.1988% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 4,042 |
| Noncurrent loans to loans | 0.4714% | 3,458 |
| Net loans and leases to total assets | 64.3745% | 3,309 |
| Net loans and leases to deposits | 74.9692% | 3,419 |
| Net loans and leases to core deposits | 76.5035% | 3,707 |
| Total domestic deposits to total assets | 85.8679% | 2,647 |
| Equity capital to assets | 8.7265% | 5,080 |
| Core capital (leverage) ratio | 8.4526% | 5,312 |
| Tier 1 risk-based capital ratio | 11.3839% | 5,126 |
| Total risk-based capital ratio | 12.6348% | 5,023 |
| Memoranda: | ||
| Average total assets | $1,358,351,200 | 543 |
| Average earning assets | $1,285,873,200 | 529 |
| Average equity | $118,327,000 | 673 |
| Average total loans | $849,219,200 | 596 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 4,419 |
| Cost of funding earning assets | 0.1189% | 5,681 |
| Net interest margin | 3.5274% | 3,369 |
| Noninterest income to average assets | 2.5123% | 257 |
| Noninterest expense to average assets | 4.5000% | 383 |
| Loan and lease loss provision to assets | 0.0296% | 3,648 |
| Net operating income to assets | 1.2917% | 1,316 |
| Return on assets (ROA) | 1.2995% | 1,392 |
| Pretax return on assets | 1.3306% | 2,310 |
| Return on Equity (ROE) | 14.9249% | 674 |
| Retained earnings to average equity (ytd only) | 8.6911% | 913 |
| Net charge-offs to loans | 0.0541% | 2,588 |
| Credit loss provision to net charge-offs | 88.4956% | 2,554 |
| Earnings coverage of net charge-offs (x) | 40.4188% | 1,234 |
| Efficiency ratio | 76.8938% | 1,850 |
| Assets per employee ($millions) | 3.7091% | 4,452 |
| Cash dividends to net income (ytd only)* | 41.7679% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 1,993 |
| Loan loss allowance to noncurrent loans | 308.6595% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 4,194 |
| Noncurrent loans to loans | 0.4683% | 3,610 |
| Net loans and leases to total assets | 63.8968% | 3,416 |
| Net loans and leases to deposits | 75.5330% | 3,450 |
| Net loans and leases to core deposits | 77.3149% | 3,722 |
| Total domestic deposits to total assets | 84.5946% | 2,988 |
| Equity capital to assets | 9.0368% | 5,140 |
| Core capital (leverage) ratio | 8.5365% | 5,330 |
| Tier 1 risk-based capital ratio | 11.4953% | 5,089 |
| Total risk-based capital ratio | 12.7454% | 4,999 |
| Memoranda: | ||
| Average total assets | $1,351,025,750 | 548 |
| Average earning assets | $1,279,227,750 | 532 |
| Average equity | $117,635,250 | 679 |
| Average total loans | $834,799,750 | 599 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6019% | 4,580 |
| Cost of funding earning assets | 0.1198% | 5,757 |
| Net interest margin | 3.4820% | 3,555 |
| Noninterest income to average assets | 2.5912% | 244 |
| Noninterest expense to average assets | 4.4733% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3668% | 1,125 |
| Return on assets (ROA) | 1.3784% | 1,166 |
| Pretax return on assets | 1.4253% | 1,929 |
| Return on Equity (ROE) | 16.0324% | 541 |
| Retained earnings to average equity (ytd only) | 9.1530% | 810 |
| Net charge-offs to loans | 0.0209% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 111.1395% | 523 |
| Efficiency ratio | 75.9910% | 2,079 |
| Assets per employee ($millions) | 3.6653% | 4,500 |
| Cash dividends to net income (ytd only)* | 42.9092% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 1,961 |
| Loan loss allowance to noncurrent loans | 304.1616% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 4,208 |
| Noncurrent loans to loans | 0.4852% | 3,638 |
| Net loans and leases to total assets | 62.7321% | 3,539 |
| Net loans and leases to deposits | 74.3766% | 3,542 |
| Net loans and leases to core deposits | 76.1631% | 3,808 |
| Total domestic deposits to total assets | 84.3438% | 3,140 |
| Equity capital to assets | 8.9498% | 5,276 |
| Core capital (leverage) ratio | 8.3508% | 5,489 |
| Tier 1 risk-based capital ratio | 11.3904% | 5,223 |
| Total risk-based capital ratio | 12.6405% | 5,116 |
| Memoranda: | ||
| Average total assets | $1,352,568,000 | 552 |
| Average earning assets | $1,280,064,330 | 534 |
| Average equity | $116,289,670 | 687 |
| Average total loans | $822,091,670 | 610 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 4,819 |
| Cost of funding earning assets | 0.1202% | 5,810 |
| Net interest margin | 3.4080% | 3,848 |
| Noninterest income to average assets | 2.5428% | 246 |
| Noninterest expense to average assets | 4.4596% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2645% | 1,357 |
| Return on assets (ROA) | 1.2662% | 1,445 |
| Pretax return on assets | 1.3112% | 2,258 |
| Return on Equity (ROE) | 15.0304% | 665 |
| Retained earnings to average equity (ytd only) | 8.0477% | 1,440 |
| Net charge-offs to loans | -0.0045% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3019% | 1,991 |
| Assets per employee ($millions) | 3.8100% | 4,281 |
| Cash dividends to net income (ytd only)* | 46.4576% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 1,765 |
| Loan loss allowance to noncurrent loans | 285.7852% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 4,099 |
| Noncurrent loans to loans | 0.5448% | 3,554 |
| Net loans and leases to total assets | 58.3882% | 4,000 |
| Net loans and leases to deposits | 68.6540% | 3,989 |
| Net loans and leases to core deposits | 70.2482% | 4,229 |
| Total domestic deposits to total assets | 85.0470% | 3,118 |
| Equity capital to assets | 8.5030% | 5,561 |
| Core capital (leverage) ratio | 8.1823% | 5,661 |
| Tier 1 risk-based capital ratio | 11.5220% | 5,227 |
| Total risk-based capital ratio | 12.7729% | 5,124 |
| Memoranda: | ||
| Average total assets | $1,359,934,000 | 548 |
| Average earning assets | $1,287,422,500 | 534 |
| Average equity | $114,567,500 | 695 |
| Average total loans | $807,226,000 | 617 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4803% | 4,968 |
| Cost of funding earning assets | 0.1363% | 5,778 |
| Net interest margin | 3.3440% | 4,133 |
| Noninterest income to average assets | 2.6022% | 252 |
| Noninterest expense to average assets | 4.5538% | 397 |
| Loan and lease loss provision to assets | 0.1228% | 1,950 |
| Net operating income to assets | 1.0567% | 2,098 |
| Return on assets (ROA) | 1.0977% | 2,010 |
| Pretax return on assets | 1.1183% | 2,968 |
| Return on Equity (ROE) | 13.1050% | 1,034 |
| Retained earnings to average equity (ytd only) | 9.4385% | 549 |
| Net charge-offs to loans | 0.1346% | 2,014 |
| Credit loss provision to net charge-offs | 159.5214% | 1,686 |
| Earnings coverage of net charge-offs (x) | 15.5733% | 2,195 |
| Efficiency ratio | 79.0535% | 1,809 |
| Assets per employee ($millions) | 3.7767% | 4,332 |
| Cash dividends to net income (ytd only)* | 27.9779% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,676 |
| Loan loss allowance to noncurrent loans | 372.9228% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 4,426 |
| Noncurrent loans to loans | 0.4238% | 3,939 |
| Net loans and leases to total assets | 58.4658% | 4,021 |
| Net loans and leases to deposits | 69.1663% | 4,007 |
| Net loans and leases to core deposits | 70.7538% | 4,238 |
| Total domestic deposits to total assets | 84.5294% | 3,273 |
| Equity capital to assets | 8.3446% | 5,671 |
| Core capital (leverage) ratio | 7.9962% | 5,841 |
| Tier 1 risk-based capital ratio | 11.5411% | 5,221 |
| Total risk-based capital ratio | 12.7924% | 5,132 |
| Memoranda: | ||
| Average total assets | $1,302,419,000 | 553 |
| Average earning assets | $1,227,219,600 | 534 |
| Average equity | $109,096,000 | 704 |
| Average total loans | $744,920,000 | 629 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 5,075 |
| Cost of funding earning assets | 0.1384% | 5,862 |
| Net interest margin | 3.3239% | 4,242 |
| Noninterest income to average assets | 2.7164% | 241 |
| Noninterest expense to average assets | 4.6170% | 379 |
| Loan and lease loss provision to assets | 0.0465% | 3,271 |
| Net operating income to assets | 1.1435% | 1,854 |
| Return on assets (ROA) | 1.1980% | 1,722 |
| Pretax return on assets | 1.2384% | 2,660 |
| Return on Equity (ROE) | 14.2885% | 844 |
| Retained earnings to average equity (ytd only) | 11.8249% | 386 |
| Net charge-offs to loans | 0.0398% | 3,092 |
| Credit loss provision to net charge-offs | 206.4220% | 1,304 |
| Earnings coverage of net charge-offs (x) | 54.5687% | 984 |
| Efficiency ratio | 78.8834% | 1,826 |
| Assets per employee ($millions) | 3.7296% | 4,392 |
| Cash dividends to net income (ytd only)* | 17.2414% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,786 |
| Loan loss allowance to noncurrent loans | 347.8212% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4977% | 3,833 |
| Noncurrent loans to loans | 0.4608% | 3,980 |
| Net loans and leases to total assets | 57.3232% | 4,217 |
| Net loans and leases to deposits | 68.6698% | 4,126 |
| Net loans and leases to core deposits | 70.4389% | 4,329 |
| Total domestic deposits to total assets | 83.4766% | 3,616 |
| Equity capital to assets | 8.6102% | 5,639 |
| Core capital (leverage) ratio | 8.1971% | 5,778 |
| Tier 1 risk-based capital ratio | 11.8146% | 5,191 |
| Total risk-based capital ratio | 13.0659% | 5,112 |
| Memoranda: | ||
| Average total assets | $1,290,954,750 | 557 |
| Average earning assets | $1,215,365,000 | 538 |
| Average equity | $108,243,000 | 720 |
| Average total loans | $730,915,500 | 640 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 5,102 |
| Cost of funding earning assets | 0.1381% | 5,934 |
| Net interest margin | 3.3126% | 4,255 |
| Noninterest income to average assets | 2.8749% | 228 |
| Noninterest expense to average assets | 4.7482% | 356 |
| Loan and lease loss provision to assets | 0.0468% | 3,185 |
| Net operating income to assets | 1.1572% | 1,754 |
| Return on assets (ROA) | 1.2398% | 1,558 |
| Pretax return on assets | 1.2801% | 2,434 |
| Return on Equity (ROE) | 14.9243% | 744 |
| Retained earnings to average equity (ytd only) | 14.9243% | 195 |
| Net charge-offs to loans | 0.0451% | 2,796 |
| Credit loss provision to net charge-offs | 185.1852% | 1,317 |
| Earnings coverage of net charge-offs (x) | 49.1481% | 972 |
| Efficiency ratio | 79.1710% | 1,886 |
| Assets per employee ($millions) | 3.6175% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 1,801 |
| Loan loss allowance to noncurrent loans | 326.4989% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 3,841 |
| Noncurrent loans to loans | 0.5006% | 3,961 |
| Net loans and leases to total assets | 57.8095% | 4,127 |
| Net loans and leases to deposits | 69.0830% | 4,029 |
| Net loans and leases to core deposits | 71.0259% | 4,219 |
| Total domestic deposits to total assets | 83.6813% | 3,700 |
| Equity capital to assets | 8.6583% | 5,559 |
| Core capital (leverage) ratio | 8.1459% | 5,834 |
| Tier 1 risk-based capital ratio | 11.7350% | 5,314 |
| Total risk-based capital ratio | 12.9863% | 5,228 |
| Memoranda: | ||
| Average total assets | $1,282,420,000 | 555 |
| Average earning assets | $1,205,947,330 | 540 |
| Average equity | $106,538,000 | 731 |
| Average total loans | $718,892,000 | 653 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3251% | 5,386 |
| Cost of funding earning assets | 0.1356% | 6,029 |
| Net interest margin | 3.1896% | 4,649 |
| Noninterest income to average assets | 2.9275% | 225 |
| Noninterest expense to average assets | 4.6963% | 375 |
| Loan and lease loss provision to assets | 0.0466% | 2,998 |
| Net operating income to assets | 1.1503% | 1,701 |
| Return on assets (ROA) | 1.1503% | 1,806 |
| Pretax return on assets | 1.1856% | 2,728 |
| Return on Equity (ROE) | 14.1399% | 850 |
| Retained earnings to average equity (ytd only) | 14.1399% | 347 |
| Net charge-offs to loans | -0.0085% | 4,654 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1163% | 2,016 |
| Assets per employee ($millions) | 3.6448% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 1,658 |
| Loan loss allowance to noncurrent loans | 280.9699% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 3,757 |
| Noncurrent loans to loans | 0.6171% | 3,724 |
| Net loans and leases to total assets | 53.3937% | 4,506 |
| Net loans and leases to deposits | 63.3852% | 4,442 |
| Net loans and leases to core deposits | 65.1771% | 4,597 |
| Total domestic deposits to total assets | 84.2368% | 3,716 |
| Equity capital to assets | 8.2473% | 5,909 |
| Core capital (leverage) ratio | 7.8282% | 6,024 |
| Tier 1 risk-based capital ratio | 11.7335% | 5,418 |
| Total risk-based capital ratio | 12.9856% | 5,319 |
| Memoranda: | ||
| Average total assets | $1,288,757,000 | 547 |
| Average earning assets | $1,212,579,000 | 534 |
| Average equity | $104,838,000 | 737 |
| Average total loans | $705,222,000 | 656 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3405% | 5,637 |
| Cost of funding earning assets | 0.1494% | 6,108 |
| Net interest margin | 3.1911% | 4,954 |
| Noninterest income to average assets | 2.4014% | 250 |
| Noninterest expense to average assets | 4.6178% | 415 |
| Loan and lease loss provision to assets | 0.0798% | 2,890 |
| Net operating income to assets | 0.6611% | 4,084 |
| Return on assets (ROA) | 0.6863% | 4,079 |
| Pretax return on assets | 0.7121% | 4,575 |
| Return on Equity (ROE) | 8.4588% | 2,870 |
| Retained earnings to average equity (ytd only) | 2.5573% | 4,417 |
| Net charge-offs to loans | 0.1301% | 2,713 |
| Credit loss provision to net charge-offs | 120.0480% | 1,997 |
| Earnings coverage of net charge-offs (x) | 11.5186% | 2,480 |
| Efficiency ratio | 85.6662% | 1,205 |
| Assets per employee ($millions) | 3.5954% | 4,727 |
| Cash dividends to net income (ytd only)* | 69.7674% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7096% | 1,752 |
| Loan loss allowance to noncurrent loans | 258.1336% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6042% | 3,783 |
| Noncurrent loans to loans | 0.6623% | 3,693 |
| Net loans and leases to total assets | 54.1695% | 4,559 |
| Net loans and leases to deposits | 64.0522% | 4,523 |
| Net loans and leases to core deposits | 65.9331% | 4,673 |
| Total domestic deposits to total assets | 84.5708% | 3,473 |
| Equity capital to assets | 8.0208% | 6,060 |
| Core capital (leverage) ratio | 7.6164% | 6,162 |
| Tier 1 risk-based capital ratio | 12.5180% | 5,029 |
| Total risk-based capital ratio | 13.7717% | 4,940 |
| Memoranda: | ||
| Average total assets | $1,253,142,200 | 538 |
| Average earning assets | $1,171,065,200 | 529 |
| Average equity | $101,669,000 | 718 |
| Average total loans | $640,364,000 | 682 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 5,783 |
| Cost of funding earning assets | 0.1514% | 6,179 |
| Net interest margin | 3.1426% | 5,135 |
| Noninterest income to average assets | 2.4157% | 253 |
| Noninterest expense to average assets | 4.6283% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6952% | 3,966 |
| Return on assets (ROA) | 0.7278% | 3,899 |
| Pretax return on assets | 0.7550% | 4,515 |
| Return on Equity (ROE) | 8.9447% | 2,720 |
| Retained earnings to average equity (ytd only) | 3.6862% | 4,017 |
| Net charge-offs to loans | 0.0949% | 2,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 15.1801% | 2,074 |
| Efficiency ratio | 86.4102% | 1,144 |
| Assets per employee ($millions) | 3.5588% | 4,755 |
| Cash dividends to net income (ytd only)* | 58.7890% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7270% | 1,894 |
| Loan loss allowance to noncurrent loans | 213.0047% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 3,774 |
| Noncurrent loans to loans | 0.8108% | 3,553 |
| Net loans and leases to total assets | 51.8601% | 4,823 |
| Net loans and leases to deposits | 61.4828% | 4,797 |
| Net loans and leases to core deposits | 63.4540% | 4,932 |
| Total domestic deposits to total assets | 84.3490% | 3,617 |
| Equity capital to assets | 8.2039% | 6,011 |
| Core capital (leverage) ratio | 7.7617% | 6,186 |
| Tier 1 risk-based capital ratio | 13.1859% | 4,741 |
| Total risk-based capital ratio | 14.4396% | 4,674 |
| Memoranda: | ||
| Average total assets | $1,246,433,750 | 540 |
| Average earning assets | $1,163,549,000 | 528 |
| Average equity | $101,420,250 | 721 |
| Average total loans | $624,101,000 | 694 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2430% | 5,883 |
| Cost of funding earning assets | 0.1531% | 6,251 |
| Net interest margin | 3.0899% | 5,284 |
| Noninterest income to average assets | 2.4917% | 242 |
| Noninterest expense to average assets | 4.6617% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6821% | 3,929 |
| Return on assets (ROA) | 0.7272% | 3,788 |
| Pretax return on assets | 0.7545% | 4,437 |
| Return on Equity (ROE) | 8.9617% | 2,615 |
| Retained earnings to average equity (ytd only) | 4.9964% | 2,959 |
| Net charge-offs to loans | 0.0946% | 2,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.2180% | 1,864 |
| Efficiency ratio | 86.7082% | 1,199 |
| Assets per employee ($millions) | 3.5219% | 4,802 |
| Cash dividends to net income (ytd only)* | 44.2478% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7834% | 1,885 |
| Loan loss allowance to noncurrent loans | 183.4625% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 3,613 |
| Noncurrent loans to loans | 0.9721% | 3,290 |
| Net loans and leases to total assets | 51.1150% | 4,845 |
| Net loans and leases to deposits | 61.1223% | 4,773 |
| Net loans and leases to core deposits | 63.3297% | 4,880 |
| Total domestic deposits to total assets | 83.6274% | 4,065 |
| Equity capital to assets | 8.2418% | 5,999 |
| Core capital (leverage) ratio | 7.7460% | 6,230 |
| Tier 1 risk-based capital ratio | 13.1769% | 4,802 |
| Total risk-based capital ratio | 14.4309% | 4,732 |
| Memoranda: | ||
| Average total assets | $1,243,163,670 | 541 |
| Average earning assets | $1,157,705,000 | 531 |
| Average equity | $100,873,330 | 720 |
| Average total loans | $611,155,000 | 710 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1045% | 6,113 |
| Cost of funding earning assets | 0.1544% | 6,332 |
| Net interest margin | 2.9501% | 5,644 |
| Noninterest income to average assets | 2.4543% | 247 |
| Noninterest expense to average assets | 4.7037% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4745% | 4,814 |
| Return on assets (ROA) | 0.4779% | 4,872 |
| Pretax return on assets | 0.4976% | 5,177 |
| Return on Equity (ROE) | 5.9366% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.9366% | 2,575 |
| Net charge-offs to loans | 0.1718% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.0276% | 2,294 |
| Efficiency ratio | 90.3775% | 997 |
| Assets per employee ($millions) | 3.5317% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 1,668 |
| Loan loss allowance to noncurrent loans | 201.9257% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 3,863 |
| Noncurrent loans to loans | 0.9568% | 3,498 |
| Net loans and leases to total assets | 47.2563% | 5,207 |
| Net loans and leases to deposits | 55.4582% | 5,156 |
| Net loans and leases to core deposits | 57.4113% | 5,245 |
| Total domestic deposits to total assets | 85.2106% | 3,773 |
| Equity capital to assets | 8.1324% | 5,955 |
| Core capital (leverage) ratio | 7.8971% | 6,179 |
| Tier 1 risk-based capital ratio | 13.7298% | 4,524 |
| Total risk-based capital ratio | 14.9850% | 4,469 |
| Memoranda: | ||
| Average total assets | $1,239,611,000 | 545 |
| Average earning assets | $1,152,767,000 | 537 |
| Average equity | $99,787,500 | 728 |
| Average total loans | $591,393,000 | 737 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3239% | 5,966 |
| Cost of funding earning assets | 0.1775% | 6,406 |
| Net interest margin | 3.1464% | 5,170 |
| Noninterest income to average assets | 2.8579% | 239 |
| Noninterest expense to average assets | 4.8843% | 381 |
| Loan and lease loss provision to assets | 0.0167% | 4,801 |
| Net operating income to assets | 0.8809% | 2,872 |
| Return on assets (ROA) | 0.8815% | 2,957 |
| Pretax return on assets | 0.8897% | 3,805 |
| Return on Equity (ROE) | 10.5846% | 1,896 |
| Retained earnings to average equity (ytd only) | 3.5769% | 3,672 |
| Net charge-offs to loans | 0.0576% | 4,418 |
| Credit loss provision to net charge-offs | 59.5238% | 3,579 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 1,111 |
| Efficiency ratio | 84.2489% | 1,601 |
| Assets per employee ($millions) | 3.4914% | 4,912 |
| Cash dividends to net income (ytd only)* | 66.2064% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 1,442 |
| Loan loss allowance to noncurrent loans | 230.2168% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 4,093 |
| Noncurrent loans to loans | 0.8902% | 3,764 |
| Net loans and leases to total assets | 46.2527% | 5,467 |
| Net loans and leases to deposits | 54.5744% | 5,421 |
| Net loans and leases to core deposits | 56.5368% | 5,492 |
| Total domestic deposits to total assets | 84.7516% | 3,873 |
| Equity capital to assets | 7.9660% | 6,042 |
| Core capital (leverage) ratio | 7.7480% | 6,277 |
| Tier 1 risk-based capital ratio | 14.0791% | 4,248 |
| Total risk-based capital ratio | 15.3355% | 4,182 |
| Memoranda: | ||
| Average total assets | $1,199,443,400 | 545 |
| Average earning assets | $1,117,780,200 | 532 |
| Average equity | $99,890,000 | 707 |
| Average total loans | $582,949,600 | 719 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3386% | 5,990 |
| Cost of funding earning assets | 0.1812% | 6,494 |
| Net interest margin | 3.1574% | 5,122 |
| Noninterest income to average assets | 2.8680% | 251 |
| Noninterest expense to average assets | 4.8745% | 369 |
| Loan and lease loss provision to assets | 0.0224% | 4,560 |
| Net operating income to assets | 0.8977% | 2,844 |
| Return on assets (ROA) | 0.8971% | 2,967 |
| Pretax return on assets | 0.9139% | 3,818 |
| Return on Equity (ROE) | 10.6531% | 1,940 |
| Retained earnings to average equity (ytd only) | 6.6687% | 2,053 |
| Net charge-offs to loans | 0.0461% | 4,249 |
| Credit loss provision to net charge-offs | 99.0099% | 2,408 |
| Earnings coverage of net charge-offs (x) | 41.4648% | 979 |
| Efficiency ratio | 83.7712% | 1,633 |
| Assets per employee ($millions) | 3.4610% | 4,922 |
| Cash dividends to net income (ytd only)* | 37.4018% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0510% | 1,607 |
| Loan loss allowance to noncurrent loans | 206.6140% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 4,125 |
| Noncurrent loans to loans | 0.9927% | 3,822 |
| Net loans and leases to total assets | 47.5507% | 5,396 |
| Net loans and leases to deposits | 56.4861% | 5,332 |
| Net loans and leases to core deposits | 58.5845% | 5,400 |
| Total domestic deposits to total assets | 84.1812% | 4,120 |
| Equity capital to assets | 8.1473% | 6,048 |
| Core capital (leverage) ratio | 8.0919% | 6,159 |
| Tier 1 risk-based capital ratio | 14.3547% | 4,181 |
| Total risk-based capital ratio | 15.6114% | 4,124 |
| Memoranda: | ||
| Average total assets | $1,192,057,750 | 551 |
| Average earning assets | $1,111,230,250 | 535 |
| Average equity | $100,387,250 | 712 |
| Average total loans | $583,604,000 | 716 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3285% | 6,040 |
| Cost of funding earning assets | 0.1862% | 6,542 |
| Net interest margin | 3.1424% | 5,151 |
| Noninterest income to average assets | 2.9630% | 259 |
| Noninterest expense to average assets | 4.9170% | 379 |
| Loan and lease loss provision to assets | 0.0337% | 4,266 |
| Net operating income to assets | 0.9085% | 2,746 |
| Return on assets (ROA) | 0.9085% | 2,886 |
| Pretax return on assets | 0.9424% | 3,741 |
| Return on Equity (ROE) | 10.6704% | 1,939 |
| Retained earnings to average equity (ytd only) | 4.7325% | 3,240 |
| Net charge-offs to loans | 0.0673% | 3,746 |
| Credit loss provision to net charge-offs | 102.0408% | 2,170 |
| Earnings coverage of net charge-offs (x) | 29.5510% | 1,161 |
| Efficiency ratio | 83.3281% | 1,711 |
| Assets per employee ($millions) | 3.3814% | 5,111 |
| Cash dividends to net income (ytd only)* | 55.6483% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0596% | 1,719 |
| Loan loss allowance to noncurrent loans | 216.0323% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 4,160 |
| Noncurrent loans to loans | 0.9534% | 4,024 |
| Net loans and leases to total assets | 47.9367% | 5,337 |
| Net loans and leases to deposits | 57.5352% | 5,200 |
| Net loans and leases to core deposits | 59.8116% | 5,274 |
| Total domestic deposits to total assets | 83.3172% | 4,583 |
| Equity capital to assets | 8.3239% | 5,948 |
| Core capital (leverage) ratio | 7.9156% | 6,242 |
| Tier 1 risk-based capital ratio | 14.0197% | 4,410 |
| Total risk-based capital ratio | 15.2765% | 4,367 |
| Memoranda: | ||
| Average total assets | $1,186,779,670 | 553 |
| Average earning assets | $1,106,611,000 | 534 |
| Average equity | $101,046,000 | 714 |
| Average total loans | $582,676,000 | 717 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3440% | 6,055 |
| Cost of funding earning assets | 0.1954% | 6,594 |
| Net interest margin | 3.1485% | 5,099 |
| Noninterest income to average assets | 2.9892% | 252 |
| Noninterest expense to average assets | 4.9585% | 378 |
| Loan and lease loss provision to assets | 0.0676% | 3,509 |
| Net operating income to assets | 0.8660% | 2,832 |
| Return on assets (ROA) | 0.8660% | 2,972 |
| Pretax return on assets | 0.8985% | 3,771 |
| Return on Equity (ROE) | 10.0579% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.0579% | 1,090 |
| Net charge-offs to loans | 0.0117% | 3,909 |
| Credit loss provision to net charge-offs | 1,176.4706% | 273 |
| Earnings coverage of net charge-offs (x) | 168.1176% | 240 |
| Efficiency ratio | 83.5853% | 1,822 |
| Assets per employee ($millions) | 3.3258% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0913% | 1,816 |
| Loan loss allowance to noncurrent loans | 164.6932% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 1.0139% | 3,899 |
| Noncurrent loans to loans | 1.2698% | 3,655 |
| Net loans and leases to total assets | 48.8381% | 5,134 |
| Net loans and leases to deposits | 57.5382% | 5,089 |
| Net loans and leases to core deposits | 59.7907% | 5,171 |
| Total domestic deposits to total assets | 84.8794% | 4,103 |
| Equity capital to assets | 8.8354% | 5,680 |
| Core capital (leverage) ratio | 8.0457% | 6,101 |
| Tier 1 risk-based capital ratio | 14.2957% | 4,291 |
| Total risk-based capital ratio | 15.5534% | 4,253 |
| Memoranda: | ||
| Average total assets | $1,183,344,500 | 559 |
| Average earning assets | $1,103,244,000 | 543 |
| Average equity | $101,890,000 | 716 |
| Average total loans | $581,899,000 | 720 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 6,224 |
| Cost of funding earning assets | 0.2824% | 6,538 |
| Net interest margin | 3.3184% | 5,192 |
| Noninterest income to average assets | 3.1309% | 238 |
| Noninterest expense to average assets | 5.0387% | 364 |
| Loan and lease loss provision to assets | 0.1150% | 4,193 |
| Net operating income to assets | 1.0432% | 2,153 |
| Return on assets (ROA) | 1.2342% | 1,660 |
| Pretax return on assets | 1.2808% | 2,488 |
| Return on Equity (ROE) | 14.2842% | 944 |
| Retained earnings to average equity (ytd only) | 8.1396% | 1,075 |
| Net charge-offs to loans | 0.0624% | 5,068 |
| Credit loss provision to net charge-offs | 384.6154% | 628 |
| Earnings coverage of net charge-offs (x) | 40.0148% | 802 |
| Efficiency ratio | 80.7002% | 2,051 |
| Assets per employee ($millions) | 3.4368% | 5,132 |
| Cash dividends to net income (ytd only)* | 43.0169% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 1,830 |
| Loan loss allowance to noncurrent loans | 181.1869% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 4,157 |
| Noncurrent loans to loans | 1.1450% | 3,933 |
| Net loans and leases to total assets | 47.4761% | 5,465 |
| Net loans and leases to deposits | 56.2453% | 5,424 |
| Net loans and leases to core deposits | 58.5016% | 5,494 |
| Total domestic deposits to total assets | 84.4091% | 4,121 |
| Equity capital to assets | 8.3900% | 6,130 |
| Core capital (leverage) ratio | 7.8347% | 6,324 |
| Tier 1 risk-based capital ratio | 13.8395% | 4,503 |
| Total risk-based capital ratio | 15.0967% | 4,451 |
| Memoranda: | ||
| Average total assets | $1,130,088,800 | 581 |
| Average earning assets | $1,057,293,800 | 554 |
| Average equity | $97,646,600 | 726 |
| Average total loans | $541,244,800 | 767 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 6,332 |
| Cost of funding earning assets | 0.2974% | 6,631 |
| Net interest margin | 3.3443% | 5,232 |
| Noninterest income to average assets | 3.1803% | 228 |
| Noninterest expense to average assets | 5.1807% | 329 |
| Loan and lease loss provision to assets | 0.0718% | 4,772 |
| Net operating income to assets | 1.0269% | 2,376 |
| Return on assets (ROA) | 1.2854% | 1,623 |
| Pretax return on assets | 1.3342% | 2,479 |
| Return on Equity (ROE) | 14.7613% | 941 |
| Retained earnings to average equity (ytd only) | 9.9490% | 929 |
| Net charge-offs to loans | -0.0171% | 6,468 |
| Credit loss provision to net charge-offs | -882.3529% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8993% | 1,822 |
| Assets per employee ($millions) | 3.3744% | 5,271 |
| Cash dividends to net income (ytd only)* | 32.6006% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1298% | 1,848 |
| Loan loss allowance to noncurrent loans | 297.3898% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8428% | 4,607 |
| Noncurrent loans to loans | 0.7162% | 5,000 |
| Net loans and leases to total assets | 47.8463% | 5,565 |
| Net loans and leases to deposits | 58.8008% | 5,339 |
| Net loans and leases to core deposits | 61.2859% | 5,426 |
| Total domestic deposits to total assets | 81.3702% | 5,244 |
| Equity capital to assets | 8.9000% | 5,921 |
| Core capital (leverage) ratio | 7.9213% | 6,389 |
| Tier 1 risk-based capital ratio | 14.4451% | 4,225 |
| Total risk-based capital ratio | 15.7028% | 4,188 |
| Memoranda: | ||
| Average total assets | $1,113,609,750 | 594 |
| Average earning assets | $1,044,656,750 | 569 |
| Average equity | $96,972,000 | 736 |
| Average total loans | $531,594,500 | 781 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6425% | 6,430 |
| Cost of funding earning assets | 0.3056% | 6,718 |
| Net interest margin | 3.3369% | 5,320 |
| Noninterest income to average assets | 3.3717% | 216 |
| Noninterest expense to average assets | 5.3168% | 306 |
| Loan and lease loss provision to assets | 0.0721% | 4,726 |
| Net operating income to assets | 1.0760% | 2,145 |
| Return on assets (ROA) | 1.4437% | 1,234 |
| Pretax return on assets | 1.4987% | 1,847 |
| Return on Equity (ROE) | 16.7035% | 679 |
| Retained earnings to average equity (ytd only) | 12.5308% | 503 |
| Net charge-offs to loans | -0.0465% | 6,645 |
| Credit loss provision to net charge-offs | -327.8689% | 6,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6340% | 1,939 |
| Assets per employee ($millions) | 3.4211% | 5,165 |
| Cash dividends to net income (ytd only)* | 24.9813% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1508% | 1,882 |
| Loan loss allowance to noncurrent loans | 217.1445% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 4,509 |
| Noncurrent loans to loans | 0.9905% | 4,523 |
| Net loans and leases to total assets | 46.0025% | 5,825 |
| Net loans and leases to deposits | 57.0775% | 5,540 |
| Net loans and leases to core deposits | 59.4179% | 5,658 |
| Total domestic deposits to total assets | 80.5966% | 5,589 |
| Equity capital to assets | 8.6124% | 6,112 |
| Core capital (leverage) ratio | 7.9171% | 6,352 |
| Tier 1 risk-based capital ratio | 14.3459% | 4,213 |
| Total risk-based capital ratio | 15.6035% | 4,167 |
| Memoranda: | ||
| Average total assets | $1,109,129,670 | 596 |
| Average earning assets | $1,041,315,330 | 568 |
| Average equity | $95,860,000 | 742 |
| Average total loans | $525,130,330 | 787 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 6,322 |
| Cost of funding earning assets | 0.3165% | 6,792 |
| Net interest margin | 3.4438% | 4,934 |
| Noninterest income to average assets | 3.5535% | 191 |
| Noninterest expense to average assets | 5.5233% | 265 |
| Loan and lease loss provision to assets | 0.0734% | 4,485 |
| Net operating income to assets | 1.1402% | 1,919 |
| Return on assets (ROA) | 1.5176% | 1,114 |
| Pretax return on assets | 1.5789% | 1,640 |
| Return on Equity (ROE) | 17.5269% | 604 |
| Retained earnings to average equity (ytd only) | 17.5269% | 284 |
| Net charge-offs to loans | -0.0641% | 6,637 |
| Credit loss provision to net charge-offs | -240.9639% | 5,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3335% | 2,037 |
| Assets per employee ($millions) | 3.3894% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1822% | 1,919 |
| Loan loss allowance to noncurrent loans | 196.6389% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 4,629 |
| Noncurrent loans to loans | 1.1098% | 4,477 |
| Net loans and leases to total assets | 44.6739% | 5,934 |
| Net loans and leases to deposits | 55.5828% | 5,651 |
| Net loans and leases to core deposits | 57.9375% | 5,718 |
| Total domestic deposits to total assets | 80.3736% | 5,760 |
| Equity capital to assets | 8.4915% | 6,087 |
| Core capital (leverage) ratio | 8.0404% | 6,217 |
| Tier 1 risk-based capital ratio | 14.5929% | 4,024 |
| Total risk-based capital ratio | 15.8509% | 3,979 |
| Memoranda: | ||
| Average total assets | $1,090,655,500 | 608 |
| Average earning assets | $1,022,590,500 | 583 |
| Average equity | $94,437,500 | 747 |
| Average total loans | $518,288,500 | 801 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 6,285 |
| Cost of funding earning assets | 0.4025% | 6,880 |
| Net interest margin | 3.6946% | 4,321 |
| Noninterest income to average assets | 3.4736% | 179 |
| Noninterest expense to average assets | 5.6219% | 249 |
| Loan and lease loss provision to assets | 0.1626% | 4,596 |
| Net operating income to assets | 1.0917% | 1,866 |
| Return on assets (ROA) | 1.0942% | 1,970 |
| Pretax return on assets | 1.1106% | 2,797 |
| Return on Equity (ROE) | 12.5347% | 1,272 |
| Retained earnings to average equity (ytd only) | 8.0193% | 1,069 |
| Net charge-offs to loans | 0.4899% | 3,035 |
| Credit loss provision to net charge-offs | 67.0732% | 4,960 |
| Earnings coverage of net charge-offs (x) | 5.2415% | 2,854 |
| Efficiency ratio | 81.4578% | 2,089 |
| Assets per employee ($millions) | 3.0934% | 5,909 |
| Cash dividends to net income (ytd only)* | 36.0231% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1428% | 1,909 |
| Loan loss allowance to noncurrent loans | 222.6313% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9643% | 4,677 |
| Noncurrent loans to loans | 0.9625% | 4,783 |
| Net loans and leases to total assets | 48.4805% | 5,780 |
| Net loans and leases to deposits | 58.7280% | 5,630 |
| Net loans and leases to core deposits | 61.5169% | 5,703 |
| Total domestic deposits to total assets | 82.5509% | 4,949 |
| Equity capital to assets | 8.8415% | 5,741 |
| Core capital (leverage) ratio | 7.7693% | 6,471 |
| Tier 1 risk-based capital ratio | 13.9463% | 4,361 |
| Total risk-based capital ratio | 15.2042% | 4,314 |
| Memoranda: | ||
| Average total assets | $1,014,759,600 | 650 |
| Average earning assets | $939,040,800 | 631 |
| Average equity | $88,586,000 | 760 |
| Average total loans | $502,169,800 | 832 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1093% | 6,394 |
| Cost of funding earning assets | 0.4166% | 6,973 |
| Net interest margin | 3.6927% | 4,375 |
| Noninterest income to average assets | 3.4722% | 182 |
| Noninterest expense to average assets | 5.6420% | 242 |
| Loan and lease loss provision to assets | 0.1720% | 4,318 |
| Net operating income to assets | 1.0265% | 2,228 |
| Return on assets (ROA) | 1.0281% | 2,383 |
| Pretax return on assets | 1.0695% | 3,133 |
| Return on Equity (ROE) | 11.8156% | 1,591 |
| Retained earnings to average equity (ytd only) | 8.7747% | 1,224 |
| Net charge-offs to loans | 0.3482% | 3,354 |
| Credit loss provision to net charge-offs | 99.8464% | 3,426 |
| Earnings coverage of net charge-offs (x) | 7.1981% | 2,402 |
| Efficiency ratio | 81.8759% | 1,998 |
| Assets per employee ($millions) | 3.2124% | 5,644 |
| Cash dividends to net income (ytd only)* | 25.7367% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3313% | 1,641 |
| Loan loss allowance to noncurrent loans | 180.7733% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 1.0736% | 4,622 |
| Noncurrent loans to loans | 1.2897% | 4,377 |
| Net loans and leases to total assets | 46.6456% | 6,091 |
| Net loans and leases to deposits | 58.3474% | 5,811 |
| Net loans and leases to core deposits | 61.1742% | 5,891 |
| Total domestic deposits to total assets | 79.9445% | 5,756 |
| Equity capital to assets | 8.6075% | 6,190 |
| Core capital (leverage) ratio | 7.8325% | 6,538 |
| Tier 1 risk-based capital ratio | 13.7983% | 4,499 |
| Total risk-based capital ratio | 15.0537% | 4,460 |
| Memoranda: | ||
| Average total assets | $1,007,827,750 | 662 |
| Average earning assets | $930,580,250 | 644 |
| Average equity | $87,689,500 | 774 |
| Average total loans | $498,594,750 | 852 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1527% | 6,379 |
| Cost of funding earning assets | 0.4318% | 7,057 |
| Net interest margin | 3.7209% | 4,173 |
| Noninterest income to average assets | 3.3254% | 196 |
| Noninterest expense to average assets | 5.5914% | 255 |
| Loan and lease loss provision to assets | 0.1214% | 4,762 |
| Net operating income to assets | 1.0047% | 2,210 |
| Return on assets (ROA) | 1.0070% | 2,299 |
| Pretax return on assets | 1.0469% | 3,053 |
| Return on Equity (ROE) | 11.5293% | 1,625 |
| Retained earnings to average equity (ytd only) | 11.5293% | 586 |
| Net charge-offs to loans | 0.1608% | 4,212 |
| Credit loss provision to net charge-offs | 150.7538% | 2,026 |
| Earnings coverage of net charge-offs (x) | 14.4749% | 1,480 |
| Efficiency ratio | 82.6325% | 2,003 |
| Assets per employee ($millions) | 3.0099% | 6,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4609% | 1,507 |
| Loan loss allowance to noncurrent loans | 189.8915% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 4,676 |
| Noncurrent loans to loans | 1.2959% | 4,487 |
| Net loans and leases to total assets | 47.9102% | 6,060 |
| Net loans and leases to deposits | 60.5220% | 5,669 |
| Net loans and leases to core deposits | 63.9518% | 5,722 |
| Total domestic deposits to total assets | 79.1617% | 6,044 |
| Equity capital to assets | 9.0405% | 5,518 |
| Core capital (leverage) ratio | 8.0867% | 6,185 |
| Tier 1 risk-based capital ratio | 14.2987% | 3,939 |
| Total risk-based capital ratio | 15.5596% | 3,907 |
| Memoranda: | ||
| Average total assets | $988,261,000 | 678 |
| Average earning assets | $911,507,000 | 664 |
| Average equity | $86,319,000 | 781 |
| Average total loans | $495,005,330 | 873 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 6,420 |
| Cost of funding earning assets | 0.4356% | 7,145 |
| Net interest margin | 3.7028% | 4,086 |
| Noninterest income to average assets | 3.2094% | 205 |
| Noninterest expense to average assets | 5.5062% | 258 |
| Loan and lease loss provision to assets | 0.2442% | 3,225 |
| Net operating income to assets | 0.8401% | 2,825 |
| Return on assets (ROA) | 0.8409% | 2,881 |
| Pretax return on assets | 0.8784% | 3,582 |
| Return on Equity (ROE) | 9.8022% | 2,168 |
| Retained earnings to average equity (ytd only) | 9.8022% | 1,157 |
| Net charge-offs to loans | 0.1601% | 3,524 |
| Credit loss provision to net charge-offs | 301.5075% | 1,060 |
| Earnings coverage of net charge-offs (x) | 13.8492% | 1,404 |
| Efficiency ratio | 82.9587% | 2,090 |
| Assets per employee ($millions) | 3.0474% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4907% | 1,472 |
| Loan loss allowance to noncurrent loans | 171.4804% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 1.1424% | 4,653 |
| Noncurrent loans to loans | 1.4525% | 4,290 |
| Net loans and leases to total assets | 47.9443% | 6,082 |
| Net loans and leases to deposits | 60.2355% | 5,707 |
| Net loans and leases to core deposits | 63.7568% | 5,756 |
| Total domestic deposits to total assets | 79.5947% | 6,039 |
| Equity capital to assets | 8.5832% | 5,794 |
| Core capital (leverage) ratio | 7.9213% | 6,339 |
| Tier 1 risk-based capital ratio | 13.9551% | 4,102 |
| Total risk-based capital ratio | 15.2166% | 4,070 |
| Memoranda: | ||
| Average total assets | $982,744,500 | 686 |
| Average earning assets | $907,324,000 | 670 |
| Average equity | $84,308,000 | 789 |
| Average total loans | $497,086,500 | 886 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 6,708 |
| Cost of funding earning assets | 0.5670% | 7,188 |
| Net interest margin | 3.7787% | 4,038 |
| Noninterest income to average assets | 3.2543% | 212 |
| Noninterest expense to average assets | 5.4347% | 313 |
| Loan and lease loss provision to assets | 0.2251% | 5,030 |
| Net operating income to assets | 1.0437% | 1,896 |
| Return on assets (ROA) | 1.0777% | 1,861 |
| Pretax return on assets | 1.0908% | 2,603 |
| Return on Equity (ROE) | 12.8479% | 1,126 |
| Retained earnings to average equity (ytd only) | 5.1648% | 2,333 |
| Net charge-offs to loans | 0.2999% | 4,517 |
| Credit loss provision to net charge-offs | 148.0485% | 2,462 |
| Earnings coverage of net charge-offs (x) | 8.4300% | 1,971 |
| Efficiency ratio | 80.8048% | 2,306 |
| Assets per employee ($millions) | 2.9357% | 6,235 |
| Cash dividends to net income (ytd only)* | 59.8007% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3696% | 1,592 |
| Loan loss allowance to noncurrent loans | 137.1320% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 1.3316% | 4,362 |
| Noncurrent loans to loans | 1.7280% | 3,905 |
| Net loans and leases to total assets | 50.8187% | 6,066 |
| Net loans and leases to deposits | 62.3590% | 5,811 |
| Net loans and leases to core deposits | 65.6771% | 5,907 |
| Total domestic deposits to total assets | 81.4938% | 5,357 |
| Equity capital to assets | 8.5743% | 5,755 |
| Core capital (leverage) ratio | 7.6576% | 6,577 |
| Tier 1 risk-based capital ratio | 13.5126% | 4,186 |
| Total risk-based capital ratio | 14.7728% | 4,153 |
| Memoranda: | ||
| Average total assets | $977,512,600 | 675 |
| Average earning assets | $895,577,000 | 675 |
| Average equity | $81,998,000 | 802 |
| Average total loans | $495,573,800 | 904 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 6,896 |
| Cost of funding earning assets | 0.5891% | 7,310 |
| Net interest margin | 3.7611% | 4,132 |
| Noninterest income to average assets | 3.2399% | 206 |
| Noninterest expense to average assets | 5.3547% | 294 |
| Loan and lease loss provision to assets | 0.1359% | 5,671 |
| Net operating income to assets | 1.1495% | 1,734 |
| Return on assets (ROA) | 1.1924% | 1,696 |
| Pretax return on assets | 1.2359% | 2,377 |
| Return on Equity (ROE) | 14.2929% | 972 |
| Retained earnings to average equity (ytd only) | 6.9632% | 1,874 |
| Net charge-offs to loans | 0.2593% | 4,393 |
| Credit loss provision to net charge-offs | 104.0583% | 4,125 |
| Earnings coverage of net charge-offs (x) | 10.1623% | 1,915 |
| Efficiency ratio | 80.0248% | 2,330 |
| Assets per employee ($millions) | 2.9667% | 6,233 |
| Cash dividends to net income (ytd only)* | 51.2820% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2787% | 1,653 |
| Loan loss allowance to noncurrent loans | 138.3305% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 1.2377% | 4,676 |
| Noncurrent loans to loans | 1.6473% | 4,170 |
| Net loans and leases to total assets | 48.7738% | 6,454 |
| Net loans and leases to deposits | 62.1990% | 6,099 |
| Net loans and leases to core deposits | 66.3864% | 6,094 |
| Total domestic deposits to total assets | 78.4158% | 6,165 |
| Equity capital to assets | 8.7398% | 5,956 |
| Core capital (leverage) ratio | 7.6246% | 6,745 |
| Tier 1 risk-based capital ratio | 13.7461% | 4,024 |
| Total risk-based capital ratio | 15.0054% | 3,972 |
| Memoranda: | ||
| Average total assets | $981,163,500 | 671 |
| Average earning assets | $897,910,500 | 665 |
| Average equity | $81,856,750 | 805 |
| Average total loans | $494,163,500 | 913 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3687% | 6,954 |
| Cost of funding earning assets | 0.6099% | 7,385 |
| Net interest margin | 3.7588% | 4,098 |
| Noninterest income to average assets | 3.1752% | 210 |
| Noninterest expense to average assets | 5.2475% | 316 |
| Loan and lease loss provision to assets | 0.2041% | 4,835 |
| Net operating income to assets | 1.1005% | 1,857 |
| Return on assets (ROA) | 1.1242% | 1,841 |
| Pretax return on assets | 1.1811% | 2,476 |
| Return on Equity (ROE) | 13.6933% | 1,100 |
| Retained earnings to average equity (ytd only) | 7.4781% | 1,644 |
| Net charge-offs to loans | 0.2412% | 4,155 |
| Credit loss provision to net charge-offs | 167.5042% | 2,346 |
| Earnings coverage of net charge-offs (x) | 11.1642% | 1,796 |
| Efficiency ratio | 79.2958% | 2,528 |
| Assets per employee ($millions) | 3.1262% | 5,854 |
| Cash dividends to net income (ytd only)* | 45.3885% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3568% | 1,499 |
| Loan loss allowance to noncurrent loans | 214.8004% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 5,275 |
| Noncurrent loans to loans | 1.0972% | 5,124 |
| Net loans and leases to total assets | 47.3124% | 6,681 |
| Net loans and leases to deposits | 61.4958% | 6,274 |
| Net loans and leases to core deposits | 65.8177% | 6,257 |
| Total domestic deposits to total assets | 76.9360% | 6,521 |
| Equity capital to assets | 8.2353% | 6,502 |
| Core capital (leverage) ratio | 7.5625% | 6,768 |
| Tier 1 risk-based capital ratio | 13.2755% | 4,226 |
| Total risk-based capital ratio | 14.5353% | 4,179 |
| Memoranda: | ||
| Average total assets | $979,898,330 | 669 |
| Average earning assets | $894,862,000 | 669 |
| Average equity | $80,448,000 | 814 |
| Average total loans | $495,016,670 | 921 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 6,957 |
| Cost of funding earning assets | 0.6322% | 7,490 |
| Net interest margin | 3.7901% | 3,838 |
| Noninterest income to average assets | 3.0525% | 213 |
| Noninterest expense to average assets | 5.2344% | 308 |
| Loan and lease loss provision to assets | 0.2906% | 3,693 |
| Net operating income to assets | 0.9363% | 2,409 |
| Return on assets (ROA) | 0.9363% | 2,470 |
| Pretax return on assets | 0.9749% | 3,187 |
| Return on Equity (ROE) | 11.4228% | 1,665 |
| Retained earnings to average equity (ytd only) | -1.2411% | 6,088 |
| Net charge-offs to loans | 0.1078% | 4,346 |
| Credit loss provision to net charge-offs | 522.3881% | 806 |
| Earnings coverage of net charge-offs (x) | 22.7463% | 1,080 |
| Efficiency ratio | 80.4088% | 2,505 |
| Assets per employee ($millions) | 3.0504% | 6,103 |
| Cash dividends to net income (ytd only)* | 110.8647% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3499% | 1,496 |
| Loan loss allowance to noncurrent loans | 300.2816% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 5,520 |
| Noncurrent loans to loans | 0.7826% | 5,760 |
| Net loans and leases to total assets | 49.4688% | 6,533 |
| Net loans and leases to deposits | 62.5562% | 6,221 |
| Net loans and leases to core deposits | 66.8395% | 6,225 |
| Total domestic deposits to total assets | 79.0790% | 6,060 |
| Equity capital to assets | 8.1236% | 6,514 |
| Core capital (leverage) ratio | 7.4707% | 6,880 |
| Tier 1 risk-based capital ratio | 12.5042% | 4,745 |
| Total risk-based capital ratio | 13.7640% | 4,689 |
| Memoranda: | ||
| Average total assets | $963,405,000 | 701 |
| Average earning assets | $876,281,500 | 701 |
| Average equity | $78,965,000 | 834 |
| Average total loans | $497,131,500 | 944 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 6,817 |
| Cost of funding earning assets | 0.8742% | 7,447 |
| Net interest margin | 3.9842% | 2,919 |
| Noninterest income to average assets | 3.3904% | 200 |
| Noninterest expense to average assets | 5.5684% | 378 |
| Loan and lease loss provision to assets | 0.6286% | 3,291 |
| Net operating income to assets | 0.7892% | 2,571 |
| Return on assets (ROA) | 1.2958% | 1,091 |
| Pretax return on assets | 1.3631% | 1,523 |
| Return on Equity (ROE) | 15.9204% | 567 |
| Retained earnings to average equity (ytd only) | 10.0008% | 372 |
| Net charge-offs to loans | 0.9203% | 2,548 |
| Credit loss provision to net charge-offs | 126.7247% | 4,108 |
| Earnings coverage of net charge-offs (x) | 2.9399% | 3,613 |
| Efficiency ratio | 79.1301% | 3,023 |
| Assets per employee ($millions) | 2.9331% | 6,380 |
| Cash dividends to net income (ytd only)* | 37.1824% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2546% | 1,557 |
| Loan loss allowance to noncurrent loans | 255.1543% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 1.0316% | 5,040 |
| Noncurrent loans to loans | 0.8836% | 5,537 |
| Net loans and leases to total assets | 51.4019% | 6,486 |
| Net loans and leases to deposits | 62.5059% | 6,413 |
| Net loans and leases to core deposits | 71.5865% | 6,685 |
| Total domestic deposits to total assets | 82.2352% | 4,846 |
| Equity capital to assets | 8.2727% | 6,234 |
| Core capital (leverage) ratio | 7.9174% | 6,309 |
| Tier 1 risk-based capital ratio | 12.7013% | 4,363 |
| Total risk-based capital ratio | 13.9602% | 4,293 |
| Memoranda: | ||
| Average total assets | $926,291,600 | 730 |
| Average earning assets | $845,448,400 | 720 |
| Average equity | $75,393,800 | 851 |
| Average total loans | $499,274,600 | 955 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6897% | 7,299 |
| Cost of funding earning assets | 0.8032% | 7,690 |
| Net interest margin | 3.8864% | 3,279 |
| Noninterest income to average assets | 4.2777% | 153 |
| Noninterest expense to average assets | 6.2761% | 278 |
| Loan and lease loss provision to assets | 0.4337% | 3,734 |
| Net operating income to assets | 1.1239% | 1,657 |
| Return on assets (ROA) | 1.8765% | 400 |
| Pretax return on assets | 1.9781% | 567 |
| Return on Equity (ROE) | 23.5943% | 150 |
| Retained earnings to average equity (ytd only) | 15.1124% | 158 |
| Net charge-offs to loans | 0.5151% | 3,152 |
| Credit loss provision to net charge-offs | 163.5174% | 2,882 |
| Earnings coverage of net charge-offs (x) | 6.1047% | 2,671 |
| Efficiency ratio | 79.3565% | 2,944 |
| Assets per employee ($millions) | 3.2392% | 5,545 |
| Cash dividends to net income (ytd only)* | 35.9491% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3314% | 1,261 |
| Loan loss allowance to noncurrent loans | 909.3574% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 5,584 |
| Noncurrent loans to loans | 0.2564% | 6,871 |
| Net loans and leases to total assets | 45.1593% | 7,165 |
| Net loans and leases to deposits | 59.0705% | 6,896 |
| Net loans and leases to core deposits | 66.9502% | 7,119 |
| Total domestic deposits to total assets | 76.4499% | 6,484 |
| Equity capital to assets | 7.7553% | 7,088 |
| Core capital (leverage) ratio | 7.2062% | 7,262 |
| Tier 1 risk-based capital ratio | 12.6707% | 4,417 |
| Total risk-based capital ratio | 13.9291% | 4,362 |
| Memoranda: | ||
| Average total assets | $691,753,500 | 1,002 |
| Average earning assets | $643,869,500 | 981 |
| Average equity | $55,017,500 | 1,210 |
| Average total loans | $356,148,500 | 1,371 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9265% | 6,971 |
| Cost of funding earning assets | 0.8539% | 7,756 |
| Net interest margin | 4.0726% | 2,430 |
| Noninterest income to average assets | 4.3235% | 155 |
| Noninterest expense to average assets | 6.3683% | 282 |
| Loan and lease loss provision to assets | 0.6687% | 2,431 |
| Net operating income to assets | 1.0133% | 2,062 |
| Return on assets (ROA) | 1.8305% | 471 |
| Pretax return on assets | 1.9292% | 656 |
| Return on Equity (ROE) | 22.8053% | 204 |
| Retained earnings to average equity (ytd only) | 15.3998% | 188 |
| Net charge-offs to loans | 0.6903% | 2,322 |
| Credit loss provision to net charge-offs | 181.3054% | 2,527 |
| Earnings coverage of net charge-offs (x) | 4.7099% | 3,030 |
| Efficiency ratio | 78.5678% | 3,261 |
| Assets per employee ($millions) | 2.9685% | 6,213 |
| Cash dividends to net income (ytd only)* | 32.4728% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3093% | 1,091 |
| Loan loss allowance to noncurrent loans | 185.9637% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 5,309 |
| Noncurrent loans to loans | 1.2418% | 4,727 |
| Net loans and leases to total assets | 51.0348% | 6,780 |
| Net loans and leases to deposits | 65.5411% | 6,433 |
| Net loans and leases to core deposits | 76.1854% | 6,662 |
| Total domestic deposits to total assets | 77.8669% | 6,115 |
| Equity capital to assets | 7.9983% | 6,754 |
| Core capital (leverage) ratio | 7.4758% | 7,050 |
| Tier 1 risk-based capital ratio | 12.3844% | 4,614 |
| Total risk-based capital ratio | 13.6438% | 4,533 |
| Memoranda: | ||
| Average total assets | $672,922,670 | 1,048 |
| Average earning assets | $624,904,000 | 1,034 |
| Average equity | $54,013,670 | 1,243 |
| Average total loans | $359,541,670 | 1,390 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 7,410 |
| Cost of funding earning assets | 1.0093% | 7,660 |
| Net interest margin | 3.7608% | 3,613 |
| Noninterest income to average assets | 0.1957% | 6,897 |
| Noninterest expense to average assets | 2.7853% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5409% | 4,254 |
| Return on assets (ROA) | 0.5409% | 4,439 |
| Pretax return on assets | 0.5409% | 4,944 |
| Return on Equity (ROE) | 2.9815% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.9815% | 4,216 |
| Net charge-offs to loans | -0.0654% | 7,779 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1626% | 3,301 |
| Assets per employee ($millions) | 3.8378% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0459% | 460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0539% | 4,582 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 33.1760% | 7,826 |
| Net loans and leases to deposits | 41.2090% | 7,805 |
| Net loans and leases to core deposits | 53.4219% | 7,692 |
| Total domestic deposits to total assets | 80.5067% | 5,167 |
| Equity capital to assets | 18.2542% | 575 |
| Core capital (leverage) ratio | 10.4609% | 2,969 |
| Tier 1 risk-based capital ratio | 22.0455% | 1,298 |
| Total risk-based capital ratio | 23.3101% | 1,264 |
| Memoranda: | ||
| Average total assets | $34,754,500 | 7,458 |
| Average earning assets | $28,930,000 | 7,573 |
| Average equity | $6,305,500 | 6,658 |
| Average total loans | $12,227,500 | 7,791 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6790% | 8,277 |
| Cost of funding earning assets | 0.1739% | 8,248 |
| Net interest margin | 0.5051% | 8,265 |
| Noninterest income to average assets | -0.0817% | 8,194 |
| Noninterest expense to average assets | 0.4843% | 8,261 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.1090% | 6,506 |
| Return on assets (ROA) | -0.1090% | 6,360 |
| Pretax return on assets | -0.1090% | 6,281 |
| Return on Equity (ROE) | -1.1073% | 6,379 |
| Retained earnings to average equity (ytd only) | -1.1073% | 5,626 |
| Net charge-offs to loans | -1.5233% | 8,238 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.0323% | 473 |
| Assets per employee ($millions) | 3.4969% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8332% | 505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 4,220 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 35.1111% | 7,862 |
| Net loans and leases to deposits | 43.1261% | 7,870 |
| Net loans and leases to core deposits | 57.2401% | 7,699 |
| Total domestic deposits to total assets | 81.4150% | 4,452 |
| Equity capital to assets | 18.0331% | 646 |
| Core capital (leverage) ratio | 11.4848% | 2,262 |
| Tier 1 risk-based capital ratio | 20.2318% | 1,579 |
| Total risk-based capital ratio | 21.4948% | 1,546 |
| Memoranda: | ||
| Average total assets | $33,037,600 | 7,507 |
| Average earning assets | $29,897,400 | 7,516 |
| Average equity | $3,251,200 | 7,763 |
| Average total loans | $13,523,200 | 7,734 |