Home > Enterprise Bank > Performance and Condition Ratios
Enterprise Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5251% | 2,045 |
| Cost of funding earning assets | 2.8760% | 428 |
| Net interest margin | 2.6491% | 3,896 |
| Noninterest income to average assets | 0.1300% | 3,988 |
| Noninterest expense to average assets | 1.7482% | 3,987 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 0.6934% | 3,131 |
| Return on assets (ROA) | 0.6934% | 3,144 |
| Pretax return on assets | 0.8956% | 2,971 |
| Return on Equity (ROE) | 6.6000% | 3,221 |
| Retained earnings to average equity (ytd only) | 3.7266% | 2,919 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 64.4686% | 2,424 |
| Assets per employee ($millions) | 16.2417% | 173 |
| Cash dividends to net income (ytd only)* | 43.5256% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 2,832 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 83.0700% | 301 |
| Net loans and leases to deposits | 104.8211% | 259 |
| Net loans and leases to core deposits | 125.8220% | 409 |
| Total domestic deposits to total assets | 79.2500% | 3,675 |
| Equity capital to assets | 10.4600% | 1,944 |
| Core capital (leverage) ratio | 10.8966% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9383% | 2,235 |
| Memoranda: | ||
| Average total assets | $530,136,000 | 1,716 |
| Average earning assets | $516,549,000 | 1,651 |
| Average equity | $55,707,000 | 1,638 |
| Average total loans | $448,601,000 | 1,430 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6248% | 1,893 |
| Cost of funding earning assets | 3.1690% | 368 |
| Net interest margin | 2.4558% | 3,948 |
| Noninterest income to average assets | 0.1200% | 4,121 |
| Noninterest expense to average assets | 1.7709% | 3,992 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.4926% | 3,493 |
| Return on assets (ROA) | 0.4926% | 3,509 |
| Pretax return on assets | 0.6906% | 3,278 |
| Return on Equity (ROE) | 4.7100% | 3,567 |
| Retained earnings to average equity (ytd only) | 1.2489% | 3,611 |
| Net charge-offs to loans | -0.0046% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 70.5974% | 1,917 |
| Assets per employee ($millions) | 14.9799% | 218 |
| Cash dividends to net income (ytd only)* | 73.4710% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 2,850 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 84.3700% | 251 |
| Net loans and leases to deposits | 105.7614% | 259 |
| Net loans and leases to core deposits | 127.8186% | 406 |
| Total domestic deposits to total assets | 79.7800% | 3,586 |
| Equity capital to assets | 10.5572% | 1,797 |
| Core capital (leverage) ratio | 10.6349% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0084% | 2,212 |
| Memoranda: | ||
| Average total assets | $511,139,000 | 1,747 |
| Average earning assets | $496,180,600 | 1,684 |
| Average equity | $53,487,400 | 1,646 |
| Average total loans | $439,259,600 | 1,433 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5624% | 1,961 |
| Cost of funding earning assets | 3.1780% | 373 |
| Net interest margin | 2.3844% | 4,015 |
| Noninterest income to average assets | 0.1300% | 4,095 |
| Noninterest expense to average assets | 1.8191% | 3,898 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.4169% | 3,653 |
| Return on assets (ROA) | 0.4169% | 3,688 |
| Pretax return on assets | 0.5705% | 3,525 |
| Return on Equity (ROE) | 3.9900% | 3,730 |
| Retained earnings to average equity (ytd only) | 0.2842% | 3,899 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.6499% | 1,516 |
| Assets per employee ($millions) | 14.2357% | 255 |
| Cash dividends to net income (ytd only)* | 92.8841% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 2,981 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 83.9000% | 271 |
| Net loans and leases to deposits | 105.3917% | 273 |
| Net loans and leases to core deposits | 129.7725% | 393 |
| Total domestic deposits to total assets | 79.6100% | 3,523 |
| Equity capital to assets | 10.4234% | 2,026 |
| Core capital (leverage) ratio | 10.8649% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7252% | 2,342 |
| Memoranda: | ||
| Average total assets | $507,849,750 | 1,743 |
| Average earning assets | $492,242,500 | 1,691 |
| Average equity | $53,021,500 | 1,650 |
| Average total loans | $437,289,750 | 1,433 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5585% | 1,865 |
| Cost of funding earning assets | 3.1280% | 370 |
| Net interest margin | 2.4305% | 3,962 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 1.8434% | 3,865 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.4179% | 3,625 |
| Return on assets (ROA) | 0.4179% | 3,664 |
| Pretax return on assets | 0.5874% | 3,476 |
| Return on Equity (ROE) | 4.0000% | 3,721 |
| Retained earnings to average equity (ytd only) | -0.1985% | 3,945 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.3726% | 1,608 |
| Assets per employee ($millions) | 13.5797% | 278 |
| Cash dividends to net income (ytd only)* | 104.9618% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 3,161 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 86.2900% | 144 |
| Net loans and leases to deposits | 107.5105% | 264 |
| Net loans and leases to core deposits | 134.1605% | 339 |
| Total domestic deposits to total assets | 80.2600% | 3,407 |
| Equity capital to assets | 10.4228% | 1,850 |
| Core capital (leverage) ratio | 10.7955% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3364% | 2,478 |
| Memoranda: | ||
| Average total assets | $501,559,667 | 1,759 |
| Average earning assets | $485,996,333 | 1,702 |
| Average equity | $52,394,667 | 1,639 |
| Average total loans | $434,178,333 | 1,448 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5700% | 1,678 |
| Cost of funding earning assets | 3.1352% | 342 |
| Net interest margin | 2.4349% | 3,960 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 1.7824% | 3,980 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.4917% | 3,412 |
| Return on assets (ROA) | 0.4917% | 3,437 |
| Pretax return on assets | 0.6354% | 3,318 |
| Return on Equity (ROE) | 4.7000% | 3,520 |
| Retained earnings to average equity (ytd only) | 0.8854% | 3,525 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 72.2888% | 1,917 |
| Assets per employee ($millions) | 13.7099% | 283 |
| Cash dividends to net income (ytd only)* | 81.1688% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 2,891 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 84.1400% | 264 |
| Net loans and leases to deposits | 104.3402% | 329 |
| Net loans and leases to core deposits | 132.5220% | 369 |
| Total domestic deposits to total assets | 80.6400% | 3,440 |
| Equity capital to assets | 10.3362% | 1,817 |
| Core capital (leverage) ratio | 10.4093% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3798% | 2,465 |
| Memoranda: | ||
| Average total assets | $501,115,500 | 1,759 |
| Average earning assets | $484,951,500 | 1,704 |
| Average equity | $52,407,500 | 1,633 |
| Average total loans | $432,248,500 | 1,448 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9739% | 2,123 |
| Cost of funding earning assets | 2.1357% | 722 |
| Net interest margin | 2.8382% | 3,591 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.8387% | 3,937 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7820% | 2,927 |
| Return on assets (ROA) | 0.7820% | 2,908 |
| Pretax return on assets | 0.9719% | 2,747 |
| Return on Equity (ROE) | 7.0100% | 3,282 |
| Retained earnings to average equity (ytd only) | 2.9556% | 3,292 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.2282% | 2,582 |
| Assets per employee ($millions) | 13.3774% | 298 |
| Cash dividends to net income (ytd only)* | 57.8420% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 2,924 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 86.5300% | 138 |
| Net loans and leases to deposits | 108.3264% | 234 |
| Net loans and leases to core deposits | 137.0180% | 298 |
| Total domestic deposits to total assets | 79.8800% | 3,484 |
| Equity capital to assets | 10.5832% | 1,687 |
| Core capital (leverage) ratio | 11.0733% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4552% | 2,431 |
| Memoranda: | ||
| Average total assets | $459,831,800 | 1,824 |
| Average earning assets | $448,235,800 | 1,754 |
| Average equity | $51,292,800 | 1,579 |
| Average total loans | $399,115,400 | 1,473 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8400% | 2,187 |
| Cost of funding earning assets | 1.9163% | 837 |
| Net interest margin | 2.9237% | 3,493 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.8344% | 3,916 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8240% | 2,950 |
| Return on assets (ROA) | 0.8240% | 2,937 |
| Pretax return on assets | 1.0659% | 2,670 |
| Return on Equity (ROE) | 7.2800% | 3,352 |
| Retained earnings to average equity (ytd only) | 3.1542% | 3,476 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.1083% | 2,701 |
| Assets per employee ($millions) | 14.0165% | 242 |
| Cash dividends to net income (ytd only)* | 56.6918% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,485 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 86.7000% | 130 |
| Net loans and leases to deposits | 110.9622% | 186 |
| Net loans and leases to core deposits | 139.6514% | 223 |
| Total domestic deposits to total assets | 78.1300% | 3,799 |
| Equity capital to assets | 11.1284% | 1,294 |
| Core capital (leverage) ratio | 11.5471% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1057% | 2,231 |
| Memoranda: | ||
| Average total assets | $450,934,000 | 1,850 |
| Average earning assets | $440,075,500 | 1,775 |
| Average equity | $51,020,250 | 1,569 |
| Average total loans | $390,644,250 | 1,494 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 2,250 |
| Cost of funding earning assets | 1.6650% | 940 |
| Net interest margin | 3.0137% | 3,398 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.8203% | 3,958 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.8835% | 2,813 |
| Return on assets (ROA) | 0.8835% | 2,802 |
| Pretax return on assets | 1.1690% | 2,450 |
| Return on Equity (ROE) | 7.7700% | 3,294 |
| Retained earnings to average equity (ytd only) | 3.5188% | 3,345 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.8206% | 2,985 |
| Assets per employee ($millions) | 13.4114% | 267 |
| Cash dividends to net income (ytd only)* | 54.6835% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 2,669 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 85.7900% | 161 |
| Net loans and leases to deposits | 106.8167% | 282 |
| Net loans and leases to core deposits | 130.2336% | 324 |
| Total domestic deposits to total assets | 80.3200% | 3,529 |
| Equity capital to assets | 10.9387% | 1,411 |
| Core capital (leverage) ratio | 11.8606% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0593% | 2,274 |
| Memoranda: | ||
| Average total assets | $447,063,667 | 1,865 |
| Average earning assets | $436,400,333 | 1,794 |
| Average equity | $50,869,000 | 1,580 |
| Average total loans | $385,591,333 | 1,495 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 2,253 |
| Cost of funding earning assets | 1.3736% | 1,082 |
| Net interest margin | 3.1553% | 3,221 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.8270% | 3,982 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0232% | 2,460 |
| Return on assets (ROA) | 1.0232% | 2,424 |
| Pretax return on assets | 1.3095% | 2,147 |
| Return on Equity (ROE) | 8.8100% | 3,101 |
| Retained earnings to average equity (ytd only) | 4.2267% | 3,204 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.2455% | 3,275 |
| Assets per employee ($millions) | 13.6348% | 268 |
| Cash dividends to net income (ytd only)* | 52.0179% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,358 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 85.3600% | 162 |
| Net loans and leases to deposits | 106.2252% | 246 |
| Net loans and leases to core deposits | 129.5455% | 279 |
| Total domestic deposits to total assets | 80.3600% | 3,721 |
| Equity capital to assets | 11.7017% | 1,090 |
| Core capital (leverage) ratio | 12.2567% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9730% | 1,982 |
| Memoranda: | ||
| Average total assets | $435,896,500 | 1,920 |
| Average earning assets | $427,211,500 | 1,838 |
| Average equity | $50,630,500 | 1,597 |
| Average total loans | $374,669,500 | 1,545 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 1,984 |
| Cost of funding earning assets | 0.7958% | 390 |
| Net interest margin | 3.1037% | 3,168 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.7621% | 4,076 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0976% | 2,184 |
| Return on assets (ROA) | 1.0976% | 2,123 |
| Pretax return on assets | 1.3868% | 1,803 |
| Return on Equity (ROE) | 9.9100% | 2,835 |
| Retained earnings to average equity (ytd only) | 7.3521% | 2,081 |
| Net charge-offs to loans | -0.0087% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.1106% | 3,671 |
| Assets per employee ($millions) | 12.8083% | 321 |
| Cash dividends to net income (ytd only)* | 25.7819% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,218 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 84.4200% | 230 |
| Net loans and leases to deposits | 97.2760% | 570 |
| Net loans and leases to core deposits | 122.5908% | 329 |
| Total domestic deposits to total assets | 86.7900% | 2,462 |
| Equity capital to assets | 11.5286% | 1,075 |
| Core capital (leverage) ratio | 12.0852% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9641% | 1,990 |
| Memoranda: | ||
| Average total assets | $431,125,800 | 1,916 |
| Average earning assets | $423,584,600 | 1,837 |
| Average equity | $47,768,600 | 1,678 |
| Average total loans | $354,793,600 | 1,532 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6952% | 2,061 |
| Cost of funding earning assets | 0.7243% | 234 |
| Net interest margin | 2.9709% | 3,295 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.7201% | 4,121 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0535% | 2,275 |
| Return on assets (ROA) | 1.0535% | 2,238 |
| Pretax return on assets | 1.3137% | 1,999 |
| Return on Equity (ROE) | 9.6100% | 2,845 |
| Retained earnings to average equity (ytd only) | 7.2037% | 2,300 |
| Net charge-offs to loans | -0.0118% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.8486% | 3,634 |
| Assets per employee ($millions) | 12.2296% | 358 |
| Cash dividends to net income (ytd only)* | 25.0147% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,192 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 85.1400% | 172 |
| Net loans and leases to deposits | 98.3146% | 438 |
| Net loans and leases to core deposits | 113.8406% | 367 |
| Total domestic deposits to total assets | 86.6000% | 2,886 |
| Equity capital to assets | 11.7708% | 928 |
| Core capital (leverage) ratio | 12.0614% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0957% | 2,022 |
| Memoranda: | ||
| Average total assets | $430,037,000 | 1,932 |
| Average earning assets | $422,667,250 | 1,849 |
| Average equity | $47,159,500 | 1,715 |
| Average total loans | $350,430,500 | 1,534 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4704% | 2,226 |
| Cost of funding earning assets | 0.7342% | 132 |
| Net interest margin | 2.7362% | 3,625 |
| Noninterest income to average assets | 0.1734% | 4,136 |
| Noninterest expense to average assets | 1.6813% | 4,166 |
| Loan and lease loss provision to assets | 0.0529% | 1,629 |
| Net operating income to assets | 0.9228% | 2,478 |
| Return on assets (ROA) | 0.9228% | 2,445 |
| Pretax return on assets | 1.1307% | 2,299 |
| Return on Equity (ROE) | 8.6160% | 2,821 |
| Retained earnings to average equity (ytd only) | 6.5543% | 2,156 |
| Net charge-offs to loans | -0.0029% | 3,195 |
| Credit loss provision to net charge-offs | -2,300.0000% | 3,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6866% | 3,466 |
| Assets per employee ($millions) | 12.5912% | 319 |
| Cash dividends to net income (ytd only)* | 23.9282% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 84.2500% | 178 |
| Net loans and leases to deposits | 96.8829% | 391 |
| Net loans and leases to core deposits | 114.4717% | 272 |
| Total domestic deposits to total assets | 86.9606% | 2,950 |
| Equity capital to assets | 11.6640% | 974 |
| Core capital (leverage) ratio | 11.6373% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9156% | 2,094 |
| Memoranda: | ||
| Average total assets | $434,780,000 | 1,920 |
| Average earning assets | $427,674,000 | 1,853 |
| Average equity | $46,564,667 | 1,776 |
| Average total loans | $347,716,333 | 1,537 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2341% | 2,589 |
| Cost of funding earning assets | 0.7651% | 106 |
| Net interest margin | 2.4690% | 3,955 |
| Noninterest income to average assets | 0.1710% | 4,140 |
| Noninterest expense to average assets | 1.6291% | 4,252 |
| Loan and lease loss provision to assets | 0.0495% | 1,484 |
| Net operating income to assets | 0.7191% | 2,985 |
| Return on assets (ROA) | 0.7191% | 2,976 |
| Pretax return on assets | 0.9235% | 2,687 |
| Return on Equity (ROE) | 7.0065% | 3,039 |
| Retained earnings to average equity (ytd only) | 4.9020% | 2,624 |
| Net charge-offs to loans | -0.0058% | 3,386 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6081% | 3,188 |
| Assets per employee ($millions) | 13.0734% | 308 |
| Cash dividends to net income (ytd only)* | 30.0375% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 77.7891% | 390 |
| Net loans and leases to deposits | 88.4022% | 600 |
| Net loans and leases to core deposits | 102.9859% | 424 |
| Total domestic deposits to total assets | 87.9945% | 2,526 |
| Equity capital to assets | 10.7974% | 1,443 |
| Core capital (leverage) ratio | 10.9840% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9555% | 2,231 |
| Memoranda: | ||
| Average total assets | $444,415,000 | 1,898 |
| Average earning assets | $437,588,500 | 1,833 |
| Average equity | $45,614,500 | 1,864 |
| Average total loans | $344,301,000 | 1,535 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 2,657 |
| Cost of funding earning assets | 0.8907% | 128 |
| Net interest margin | 2.6102% | 4,034 |
| Noninterest income to average assets | 0.3087% | 3,556 |
| Noninterest expense to average assets | 1.6736% | 4,334 |
| Loan and lease loss provision to assets | 0.0559% | 1,932 |
| Net operating income to assets | 0.9078% | 3,005 |
| Return on assets (ROA) | 0.9078% | 3,072 |
| Pretax return on assets | 1.1466% | 2,827 |
| Return on Equity (ROE) | 10.0051% | 2,518 |
| Retained earnings to average equity (ytd only) | 7.4089% | 1,760 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1904% | 3,417 |
| Assets per employee ($millions) | 12.6952% | 339 |
| Cash dividends to net income (ytd only)* | 25.9487% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 75.1806% | 574 |
| Net loans and leases to deposits | 84.8459% | 859 |
| Net loans and leases to core deposits | 98.8086% | 584 |
| Total domestic deposits to total assets | 88.6083% | 1,733 |
| Equity capital to assets | 9.7303% | 2,911 |
| Core capital (leverage) ratio | 9.8897% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3487% | 2,510 |
| Memoranda: | ||
| Average total assets | $429,604,600 | 1,895 |
| Average earning assets | $422,573,400 | 1,832 |
| Average equity | $38,980,000 | 2,119 |
| Average total loans | $336,275,600 | 1,568 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 2,660 |
| Cost of funding earning assets | 0.9214% | 128 |
| Net interest margin | 2.6401% | 4,072 |
| Noninterest income to average assets | 0.3306% | 3,453 |
| Noninterest expense to average assets | 1.6895% | 4,339 |
| Loan and lease loss provision to assets | 0.0563% | 1,854 |
| Net operating income to assets | 0.9053% | 3,228 |
| Return on assets (ROA) | 0.9053% | 3,304 |
| Pretax return on assets | 1.1795% | 2,994 |
| Return on Equity (ROE) | 10.1695% | 2,672 |
| Retained earnings to average equity (ytd only) | 7.8065% | 2,115 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7528% | 3,310 |
| Assets per employee ($millions) | 12.4046% | 343 |
| Cash dividends to net income (ytd only)* | 23.2365% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 79.7501% | 306 |
| Net loans and leases to deposits | 90.6070% | 572 |
| Net loans and leases to core deposits | 105.1956% | 425 |
| Total domestic deposits to total assets | 88.0176% | 1,832 |
| Equity capital to assets | 9.8316% | 3,079 |
| Core capital (leverage) ratio | 9.9930% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8701% | 2,749 |
| Memoranda: | ||
| Average total assets | $425,922,500 | 1,927 |
| Average earning assets | $418,617,000 | 1,859 |
| Average equity | $37,916,250 | 2,185 |
| Average total loans | $335,741,500 | 1,599 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6382% | 2,505 |
| Cost of funding earning assets | 0.9572% | 133 |
| Net interest margin | 2.6811% | 4,019 |
| Noninterest income to average assets | 0.3965% | 3,121 |
| Noninterest expense to average assets | 1.7284% | 4,319 |
| Loan and lease loss provision to assets | 0.0567% | 1,897 |
| Net operating income to assets | 0.9235% | 3,150 |
| Return on assets (ROA) | 0.9235% | 3,228 |
| Pretax return on assets | 1.2458% | 2,785 |
| Return on Equity (ROE) | 10.7579% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.3520% | 1,962 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0248% | 3,407 |
| Assets per employee ($millions) | 12.9990% | 284 |
| Cash dividends to net income (ytd only)* | 22.3644% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 78.1062% | 440 |
| Net loans and leases to deposits | 86.9521% | 852 |
| Net loans and leases to core deposits | 102.2229% | 588 |
| Total domestic deposits to total assets | 89.8267% | 858 |
| Equity capital to assets | 8.6128% | 4,117 |
| Core capital (leverage) ratio | 8.7336% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9620% | 2,966 |
| Memoranda: | ||
| Average total assets | $423,176,667 | 1,928 |
| Average earning assets | $415,806,000 | 1,855 |
| Average equity | $36,326,667 | 2,259 |
| Average total loans | $330,807,667 | 1,624 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 2,104 |
| Cost of funding earning assets | 0.9916% | 137 |
| Net interest margin | 2.8073% | 3,750 |
| Noninterest income to average assets | 0.4721% | 2,738 |
| Noninterest expense to average assets | 1.7369% | 4,309 |
| Loan and lease loss provision to assets | 0.0571% | 1,975 |
| Net operating income to assets | 1.1354% | 2,371 |
| Return on assets (ROA) | 1.1354% | 2,445 |
| Pretax return on assets | 1.4371% | 2,178 |
| Return on Equity (ROE) | 13.2493% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.0281% | 1,395 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7555% | 3,813 |
| Assets per employee ($millions) | 12.7689% | 295 |
| Cash dividends to net income (ytd only)* | 16.7645% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 75.8030% | 646 |
| Net loans and leases to deposits | 84.5582% | 1,089 |
| Net loans and leases to core deposits | 99.4022% | 737 |
| Total domestic deposits to total assets | 89.6460% | 1,000 |
| Equity capital to assets | 8.3777% | 4,215 |
| Core capital (leverage) ratio | 8.7693% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2439% | 2,884 |
| Memoranda: | ||
| Average total assets | $420,281,500 | 1,931 |
| Average earning assets | $413,066,500 | 1,862 |
| Average equity | $36,017,000 | 2,262 |
| Average total loans | $326,566,500 | 1,643 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0554% | 2,567 |
| Cost of funding earning assets | 1.2666% | 208 |
| Net interest margin | 2.7887% | 4,279 |
| Noninterest income to average assets | 0.3516% | 3,360 |
| Noninterest expense to average assets | 1.8501% | 4,391 |
| Loan and lease loss provision to assets | 0.1687% | 2,274 |
| Net operating income to assets | 0.8459% | 2,917 |
| Return on assets (ROA) | 0.8459% | 3,050 |
| Pretax return on assets | 1.0687% | 2,820 |
| Return on Equity (ROE) | 9.3846% | 2,248 |
| Retained earnings to average equity (ytd only) | 7.4169% | 1,229 |
| Net charge-offs to loans | -0.0052% | 4,145 |
| Credit loss provision to net charge-offs | -4,018.7500% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9218% | 3,471 |
| Assets per employee ($millions) | 12.3158% | 299 |
| Cash dividends to net income (ytd only)* | 20.9677% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 77.6880% | 625 |
| Net loans and leases to deposits | 86.6297% | 1,204 |
| Net loans and leases to core deposits | 103.9857% | 725 |
| Total domestic deposits to total assets | 89.6782% | 685 |
| Equity capital to assets | 8.7749% | 4,242 |
| Core capital (leverage) ratio | 8.9123% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2623% | 2,850 |
| Memoranda: | ||
| Average total assets | $381,122,000 | 1,920 |
| Average earning assets | $373,899,800 | 1,857 |
| Average equity | $34,354,200 | 2,264 |
| Average total loans | $306,148,000 | 1,660 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 2,262 |
| Cost of funding earning assets | 1.3237% | 220 |
| Net interest margin | 2.9221% | 4,139 |
| Noninterest income to average assets | 0.3283% | 3,519 |
| Noninterest expense to average assets | 1.8627% | 4,393 |
| Loan and lease loss provision to assets | 0.2287% | 1,774 |
| Net operating income to assets | 0.8427% | 2,939 |
| Return on assets (ROA) | 0.8427% | 3,066 |
| Pretax return on assets | 1.1017% | 2,742 |
| Return on Equity (ROE) | 9.2826% | 2,289 |
| Retained earnings to average equity (ytd only) | 7.4175% | 1,524 |
| Net charge-offs to loans | -0.0070% | 4,142 |
| Credit loss provision to net charge-offs | -4,018.7500% | 4,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3333% | 3,619 |
| Assets per employee ($millions) | 11.5746% | 346 |
| Cash dividends to net income (ytd only)* | 20.0929% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 83.1317% | 346 |
| Net loans and leases to deposits | 93.2317% | 990 |
| Net loans and leases to core deposits | 113.2672% | 585 |
| Total domestic deposits to total assets | 89.1667% | 699 |
| Equity capital to assets | 8.9062% | 4,180 |
| Core capital (leverage) ratio | 8.6078% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2136% | 2,863 |
| Memoranda: | ||
| Average total assets | $374,797,000 | 1,925 |
| Average earning assets | $367,441,000 | 1,855 |
| Average equity | $34,027,000 | 2,277 |
| Average total loans | $302,719,750 | 1,669 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5023% | 1,908 |
| Cost of funding earning assets | 1.3592% | 270 |
| Net interest margin | 3.1431% | 3,802 |
| Noninterest income to average assets | 0.2996% | 3,675 |
| Noninterest expense to average assets | 1.8961% | 4,422 |
| Loan and lease loss provision to assets | 0.3468% | 1,221 |
| Net operating income to assets | 0.8851% | 2,751 |
| Return on assets (ROA) | 0.8851% | 2,867 |
| Pretax return on assets | 1.1363% | 2,591 |
| Return on Equity (ROE) | 9.6835% | 2,084 |
| Retained earnings to average equity (ytd only) | 8.0448% | 1,287 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1105% | 3,928 |
| Assets per employee ($millions) | 12.4627% | 286 |
| Cash dividends to net income (ytd only)* | 16.9221% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 79.2078% | 694 |
| Net loans and leases to deposits | 88.5120% | 1,503 |
| Net loans and leases to core deposits | 110.5873% | 717 |
| Total domestic deposits to total assets | 89.4881% | 573 |
| Equity capital to assets | 8.3833% | 4,543 |
| Core capital (leverage) ratio | 8.7676% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9163% | 2,991 |
| Memoranda: | ||
| Average total assets | $368,550,667 | 1,927 |
| Average earning assets | $361,107,333 | 1,853 |
| Average equity | $33,686,333 | 2,280 |
| Average total loans | $293,202,000 | 1,695 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 3,358 |
| Cost of funding earning assets | 1.4480% | 324 |
| Net interest margin | 2.7088% | 4,663 |
| Noninterest income to average assets | 0.2201% | 4,233 |
| Noninterest expense to average assets | 1.8399% | 4,617 |
| Loan and lease loss provision to assets | 0.0680% | 2,906 |
| Net operating income to assets | 0.7604% | 3,053 |
| Return on assets (ROA) | 0.7604% | 3,133 |
| Pretax return on assets | 0.9632% | 2,954 |
| Return on Equity (ROE) | 7.9302% | 2,548 |
| Retained earnings to average equity (ytd only) | 4.7221% | 2,405 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0851% | 3,222 |
| Assets per employee ($millions) | 11.1530% | 295 |
| Cash dividends to net income (ytd only)* | 40.4545% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 78.0600% | 974 |
| Net loans and leases to deposits | 87.3335% | 1,825 |
| Net loans and leases to core deposits | 102.1569% | 1,309 |
| Total domestic deposits to total assets | 89.3815% | 520 |
| Equity capital to assets | 9.3828% | 4,331 |
| Core capital (leverage) ratio | 9.7593% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0403% | 3,086 |
| Memoranda: | ||
| Average total assets | $347,191,500 | 1,972 |
| Average earning assets | $339,786,000 | 1,891 |
| Average equity | $33,290,500 | 2,289 |
| Average total loans | $274,874,500 | 1,739 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 3,277 |
| Cost of funding earning assets | 1.4487% | 465 |
| Net interest margin | 2.9424% | 4,596 |
| Noninterest income to average assets | 0.2377% | 4,253 |
| Noninterest expense to average assets | 1.9317% | 4,629 |
| Loan and lease loss provision to assets | 0.0152% | 3,711 |
| Net operating income to assets | 0.9176% | 3,135 |
| Return on assets (ROA) | 0.9176% | 3,211 |
| Pretax return on assets | 1.1647% | 2,969 |
| Return on Equity (ROE) | 9.8091% | 2,388 |
| Retained earnings to average equity (ytd only) | 6.5394% | 1,594 |
| Net charge-offs to loans | -0.0008% | 4,163 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0816% | 3,368 |
| Assets per employee ($millions) | 10.8867% | 304 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 1,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 78.2771% | 1,034 |
| Net loans and leases to deposits | 87.9136% | 1,859 |
| Net loans and leases to core deposits | 104.4533% | 1,203 |
| Total domestic deposits to total assets | 89.0387% | 655 |
| Equity capital to assets | 9.8060% | 4,096 |
| Core capital (leverage) ratio | 9.8249% | 3,704 |
| Tier 1 risk-based capital ratio | 11.1760% | 4,788 |
| Total risk-based capital ratio | 12.3450% | 4,714 |
| Memoranda: | ||
| Average total assets | $316,818,600 | 2,057 |
| Average earning assets | $309,444,400 | 1,970 |
| Average equity | $29,635,800 | 2,417 |
| Average total loans | $261,062,800 | 1,771 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 3,342 |
| Cost of funding earning assets | 1.4245% | 531 |
| Net interest margin | 2.9804% | 4,647 |
| Noninterest income to average assets | 0.2293% | 4,364 |
| Noninterest expense to average assets | 1.9645% | 4,618 |
| Loan and lease loss provision to assets | 0.0163% | 3,583 |
| Net operating income to assets | 0.9130% | 3,300 |
| Return on assets (ROA) | 0.9130% | 3,379 |
| Pretax return on assets | 1.1577% | 3,111 |
| Return on Equity (ROE) | 9.8892% | 2,480 |
| Retained earnings to average equity (ytd only) | 6.5110% | 2,114 |
| Net charge-offs to loans | -0.0005% | 3,972 |
| Credit loss provision to net charge-offs | -3,800.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5954% | 3,233 |
| Assets per employee ($millions) | 10.6315% | 295 |
| Cash dividends to net income (ytd only)* | 34.1614% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 2,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 80.7713% | 737 |
| Net loans and leases to deposits | 90.0917% | 1,685 |
| Net loans and leases to core deposits | 108.0199% | 1,056 |
| Total domestic deposits to total assets | 89.6546% | 388 |
| Equity capital to assets | 8.9691% | 4,797 |
| Core capital (leverage) ratio | 9.0178% | 4,622 |
| Tier 1 risk-based capital ratio | 10.1350% | 5,169 |
| Total risk-based capital ratio | 11.3180% | 5,115 |
| Memoranda: | ||
| Average total assets | $311,651,500 | 2,102 |
| Average earning assets | $304,198,000 | 2,008 |
| Average equity | $28,771,250 | 2,475 |
| Average total loans | $259,419,500 | 1,794 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3552% | 3,473 |
| Cost of funding earning assets | 1.3665% | 603 |
| Net interest margin | 2.9887% | 4,712 |
| Noninterest income to average assets | 0.1904% | 4,615 |
| Noninterest expense to average assets | 1.9746% | 4,648 |
| Loan and lease loss provision to assets | 0.0092% | 3,562 |
| Net operating income to assets | 0.8846% | 3,342 |
| Return on assets (ROA) | 0.8846% | 3,406 |
| Pretax return on assets | 1.1214% | 3,170 |
| Return on Equity (ROE) | 9.4849% | 2,644 |
| Retained earnings to average equity (ytd only) | 6.0544% | 2,260 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5904% | 3,200 |
| Assets per employee ($millions) | 10.5773% | 296 |
| Cash dividends to net income (ytd only)* | 36.1686% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 1,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 78.2263% | 1,180 |
| Net loans and leases to deposits | 87.2728% | 2,090 |
| Net loans and leases to core deposits | 104.5360% | 1,336 |
| Total domestic deposits to total assets | 89.6342% | 436 |
| Equity capital to assets | 8.8449% | 4,882 |
| Core capital (leverage) ratio | 9.3422% | 4,318 |
| Tier 1 risk-based capital ratio | 10.2482% | 5,184 |
| Total risk-based capital ratio | 11.4580% | 5,119 |
| Memoranda: | ||
| Average total assets | $305,677,000 | 2,153 |
| Average earning assets | $298,125,670 | 2,051 |
| Average equity | $28,508,330 | 2,483 |
| Average total loans | $256,008,670 | 1,816 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 3,147 |
| Cost of funding earning assets | 1.3078% | 646 |
| Net interest margin | 3.1127% | 4,569 |
| Noninterest income to average assets | 0.1480% | 4,856 |
| Noninterest expense to average assets | 2.0056% | 4,631 |
| Loan and lease loss provision to assets | 0.0190% | 3,200 |
| Net operating income to assets | 0.9152% | 3,178 |
| Return on assets (ROA) | 0.9152% | 3,217 |
| Pretax return on assets | 1.1583% | 2,946 |
| Return on Equity (ROE) | 9.5395% | 2,573 |
| Retained earnings to average equity (ytd only) | 6.0436% | 2,440 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0119% | 3,380 |
| Assets per employee ($millions) | 9.4911% | 401 |
| Cash dividends to net income (ytd only)* | 36.6469% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 1,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 82.7578% | 498 |
| Net loans and leases to deposits | 93.4779% | 1,230 |
| Net loans and leases to core deposits | 112.4700% | 809 |
| Total domestic deposits to total assets | 88.5320% | 1,071 |
| Equity capital to assets | 9.3914% | 4,353 |
| Core capital (leverage) ratio | 9.6268% | 4,002 |
| Tier 1 risk-based capital ratio | 10.3362% | 5,213 |
| Total risk-based capital ratio | 11.5749% | 5,149 |
| Memoranda: | ||
| Average total assets | $294,568,000 | 2,226 |
| Average earning assets | $287,209,000 | 2,132 |
| Average equity | $28,261,500 | 2,506 |
| Average total loans | $254,050,500 | 1,836 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 3,078 |
| Cost of funding earning assets | 1.0380% | 646 |
| Net interest margin | 3.2700% | 4,339 |
| Noninterest income to average assets | 0.2269% | 4,557 |
| Noninterest expense to average assets | 2.0319% | 4,693 |
| Loan and lease loss provision to assets | 0.0688% | 2,762 |
| Net operating income to assets | 1.0296% | 2,889 |
| Return on assets (ROA) | 1.0296% | 2,875 |
| Pretax return on assets | 1.3184% | 2,438 |
| Return on Equity (ROE) | 11.0811% | 2,053 |
| Retained earnings to average equity (ytd only) | 8.4160% | 1,077 |
| Net charge-offs to loans | -0.0048% | 4,346 |
| Credit loss provision to net charge-offs | -1,658.3333% | 4,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4275% | 3,957 |
| Assets per employee ($millions) | 8.9194% | 483 |
| Cash dividends to net income (ytd only)* | 24.0511% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 1,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 87.5608% | 136 |
| Net loans and leases to deposits | 98.7217% | 832 |
| Net loans and leases to core deposits | 119.6416% | 557 |
| Total domestic deposits to total assets | 88.6946% | 984 |
| Equity capital to assets | 9.8101% | 3,852 |
| Core capital (leverage) ratio | 9.6649% | 3,932 |
| Tier 1 risk-based capital ratio | 10.4753% | 5,191 |
| Total risk-based capital ratio | 11.7255% | 5,087 |
| Memoranda: | ||
| Average total assets | $289,136,400 | 2,214 |
| Average earning assets | $282,262,800 | 2,120 |
| Average equity | $26,865,600 | 2,518 |
| Average total loans | $250,513,800 | 1,820 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 3,158 |
| Cost of funding earning assets | 0.9817% | 638 |
| Net interest margin | 3.2659% | 4,365 |
| Noninterest income to average assets | 0.2363% | 4,559 |
| Noninterest expense to average assets | 2.0239% | 4,695 |
| Loan and lease loss provision to assets | 0.0915% | 2,147 |
| Net operating income to assets | 1.0237% | 2,991 |
| Return on assets (ROA) | 1.0237% | 3,003 |
| Pretax return on assets | 1.3091% | 2,587 |
| Return on Equity (ROE) | 11.1702% | 2,108 |
| Retained earnings to average equity (ytd only) | 8.7877% | 1,314 |
| Net charge-offs to loans | -0.0064% | 4,277 |
| Credit loss provision to net charge-offs | -1,658.3333% | 4,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1007% | 3,949 |
| Assets per employee ($millions) | 9.2058% | 415 |
| Cash dividends to net income (ytd only)* | 21.3292% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 1,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.8101% | 588 |
| Net loans and leases to deposits | 93.2555% | 1,470 |
| Net loans and leases to core deposits | 111.4866% | 941 |
| Total domestic deposits to total assets | 88.7992% | 912 |
| Equity capital to assets | 9.3117% | 4,262 |
| Core capital (leverage) ratio | 9.3306% | 4,363 |
| Tier 1 risk-based capital ratio | 10.5404% | 5,228 |
| Total risk-based capital ratio | 11.7911% | 5,143 |
| Memoranda: | ||
| Average total assets | $290,065,250 | 2,218 |
| Average earning assets | $283,161,250 | 2,129 |
| Average equity | $26,582,000 | 2,548 |
| Average total loans | $249,810,250 | 1,828 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 3,190 |
| Cost of funding earning assets | 0.9311% | 634 |
| Net interest margin | 3.2436% | 4,397 |
| Noninterest income to average assets | 0.2266% | 4,667 |
| Noninterest expense to average assets | 2.0440% | 4,715 |
| Loan and lease loss provision to assets | 0.1033% | 1,882 |
| Net operating income to assets | 0.9738% | 3,128 |
| Return on assets (ROA) | 0.9738% | 3,130 |
| Pretax return on assets | 1.2448% | 2,742 |
| Return on Equity (ROE) | 10.6848% | 2,239 |
| Retained earnings to average equity (ytd only) | 8.4034% | 1,444 |
| Net charge-offs to loans | 0.0032% | 3,064 |
| Credit loss provision to net charge-offs | 3,725.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 486.2500% | 186 |
| Efficiency ratio | 60.2575% | 3,901 |
| Assets per employee ($millions) | 9.1669% | 418 |
| Cash dividends to net income (ytd only)* | 21.3523% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 2,021 |
| Loan loss allowance to noncurrent loans | 4,344.1558% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 4,896 |
| Noncurrent loans to loans | 0.0307% | 4,782 |
| Net loans and leases to total assets | 84.4414% | 413 |
| Net loans and leases to deposits | 94.9370% | 1,255 |
| Net loans and leases to core deposits | 108.3442% | 1,098 |
| Total domestic deposits to total assets | 88.9446% | 958 |
| Equity capital to assets | 9.1398% | 4,443 |
| Core capital (leverage) ratio | 9.4880% | 4,129 |
| Tier 1 risk-based capital ratio | 10.2000% | 5,372 |
| Total risk-based capital ratio | 11.4502% | 5,301 |
| Memoranda: | ||
| Average total assets | $288,558,670 | 2,240 |
| Average earning assets | $281,601,670 | 2,148 |
| Average equity | $26,299,000 | 2,570 |
| Average total loans | $250,628,000 | 1,834 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,984 |
| Cost of funding earning assets | 0.9319% | 510 |
| Net interest margin | 3.2387% | 4,345 |
| Noninterest income to average assets | 0.1873% | 4,901 |
| Noninterest expense to average assets | 2.0408% | 4,775 |
| Loan and lease loss provision to assets | 0.1048% | 1,775 |
| Net operating income to assets | 0.9477% | 3,081 |
| Return on assets (ROA) | 0.9477% | 3,100 |
| Pretax return on assets | 1.1993% | 2,749 |
| Return on Equity (ROE) | 10.4135% | 2,222 |
| Retained earnings to average equity (ytd only) | 8.1097% | 1,797 |
| Net charge-offs to loans | -0.0016% | 3,789 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0113% | 3,943 |
| Assets per employee ($millions) | 8.8454% | 472 |
| Cash dividends to net income (ytd only)* | 22.1239% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,137 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 4,976 |
| Noncurrent loans to loans | 0.0315% | 4,838 |
| Net loans and leases to total assets | 86.3905% | 231 |
| Net loans and leases to deposits | 96.7834% | 955 |
| Net loans and leases to core deposits | 109.8291% | 1,017 |
| Total domestic deposits to total assets | 89.2617% | 979 |
| Equity capital to assets | 9.2803% | 4,283 |
| Core capital (leverage) ratio | 9.1097% | 4,560 |
| Tier 1 risk-based capital ratio | 9.8887% | 5,519 |
| Total risk-based capital ratio | 11.1149% | 5,478 |
| Memoranda: | ||
| Average total assets | $286,167,000 | 2,274 |
| Average earning assets | $279,004,500 | 2,185 |
| Average equity | $26,043,000 | 2,612 |
| Average total loans | $250,418,500 | 1,846 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 3,231 |
| Cost of funding earning assets | 0.7807% | 693 |
| Net interest margin | 3.2736% | 4,239 |
| Noninterest income to average assets | 0.2865% | 4,414 |
| Noninterest expense to average assets | 2.1998% | 4,529 |
| Loan and lease loss provision to assets | 0.0882% | 2,425 |
| Net operating income to assets | 0.6769% | 3,696 |
| Return on assets (ROA) | 0.6769% | 3,747 |
| Pretax return on assets | 1.1945% | 2,795 |
| Return on Equity (ROE) | 7.4295% | 3,067 |
| Retained earnings to average equity (ytd only) | 5.2123% | 1,994 |
| Net charge-offs to loans | -0.0042% | 4,611 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1684% | 3,742 |
| Assets per employee ($millions) | 9.0401% | 445 |
| Cash dividends to net income (ytd only)* | 29.8426% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,400 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 5,009 |
| Noncurrent loans to loans | 0.0316% | 4,869 |
| Net loans and leases to total assets | 86.3624% | 233 |
| Net loans and leases to deposits | 96.4792% | 1,041 |
| Net loans and leases to core deposits | 112.7564% | 853 |
| Total domestic deposits to total assets | 89.5140% | 766 |
| Equity capital to assets | 8.9249% | 4,793 |
| Core capital (leverage) ratio | 8.9441% | 4,710 |
| Tier 1 risk-based capital ratio | 9.8130% | 5,564 |
| Total risk-based capital ratio | 11.0258% | 5,537 |
| Memoranda: | ||
| Average total assets | $272,255,600 | 2,334 |
| Average earning assets | $265,789,200 | 2,244 |
| Average equity | $24,806,600 | 2,690 |
| Average total loans | $237,355,800 | 1,893 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 3,336 |
| Cost of funding earning assets | 0.7363% | 816 |
| Net interest margin | 3.2697% | 4,263 |
| Noninterest income to average assets | 0.3035% | 4,365 |
| Noninterest expense to average assets | 2.1248% | 4,677 |
| Loan and lease loss provision to assets | 0.0900% | 2,270 |
| Net operating income to assets | 0.8438% | 3,303 |
| Return on assets (ROA) | 0.8438% | 3,351 |
| Pretax return on assets | 1.2786% | 2,591 |
| Return on Equity (ROE) | 9.2095% | 2,492 |
| Retained earnings to average equity (ytd only) | 7.0375% | 1,674 |
| Net charge-offs to loans | -0.0051% | 4,464 |
| Credit loss provision to net charge-offs | -2,011.1111% | 5,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8231% | 4,070 |
| Assets per employee ($millions) | 8.6681% | 488 |
| Cash dividends to net income (ytd only)* | 23.5849% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,602 |
| Loan loss allowance to noncurrent loans | 1,593.9086% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 4,880 |
| Noncurrent loans to loans | 0.0789% | 4,759 |
| Net loans and leases to total assets | 88.9227% | 116 |
| Net loans and leases to deposits | 99.8082% | 758 |
| Net loans and leases to core deposits | 118.5935% | 634 |
| Total domestic deposits to total assets | 89.0936% | 832 |
| Equity capital to assets | 9.2747% | 4,665 |
| Core capital (leverage) ratio | 9.4387% | 4,242 |
| Tier 1 risk-based capital ratio | 9.8190% | 5,629 |
| Total risk-based capital ratio | 11.0159% | 5,612 |
| Memoranda: | ||
| Average total assets | $267,999,000 | 2,376 |
| Average earning assets | $261,465,500 | 2,283 |
| Average equity | $24,553,750 | 2,728 |
| Average total loans | $233,437,000 | 1,922 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 3,338 |
| Cost of funding earning assets | 0.7034% | 881 |
| Net interest margin | 3.2601% | 4,240 |
| Noninterest income to average assets | 0.3088% | 4,331 |
| Noninterest expense to average assets | 2.1255% | 4,731 |
| Loan and lease loss provision to assets | 0.0989% | 2,035 |
| Net operating income to assets | 0.8351% | 3,221 |
| Return on assets (ROA) | 0.8351% | 3,274 |
| Pretax return on assets | 1.2655% | 2,514 |
| Return on Equity (ROE) | 9.1545% | 2,437 |
| Retained earnings to average equity (ytd only) | 7.0852% | 1,558 |
| Net charge-offs to loans | -0.0079% | 4,460 |
| Credit loss provision to net charge-offs | -1,455.5556% | 4,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9044% | 4,176 |
| Assets per employee ($millions) | 8.4806% | 513 |
| Cash dividends to net income (ytd only)* | 22.6040% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 2,329 |
| Loan loss allowance to noncurrent loans | 1,552.7638% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 4,903 |
| Noncurrent loans to loans | 0.0848% | 4,792 |
| Net loans and leases to total assets | 85.3257% | 319 |
| Net loans and leases to deposits | 95.4634% | 1,123 |
| Net loans and leases to core deposits | 109.5791% | 1,023 |
| Total domestic deposits to total assets | 89.3805% | 771 |
| Equity capital to assets | 9.3150% | 4,607 |
| Core capital (leverage) ratio | 9.3613% | 4,277 |
| Tier 1 risk-based capital ratio | 10.1848% | 5,584 |
| Total risk-based capital ratio | 11.4278% | 5,523 |
| Memoranda: | ||
| Average total assets | $264,872,670 | 2,408 |
| Average earning assets | $258,461,000 | 2,311 |
| Average equity | $24,163,000 | 2,763 |
| Average total loans | $227,985,330 | 1,956 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 3,591 |
| Cost of funding earning assets | 0.6565% | 1,043 |
| Net interest margin | 3.1902% | 4,374 |
| Noninterest income to average assets | 0.3364% | 4,155 |
| Noninterest expense to average assets | 2.1130% | 4,818 |
| Loan and lease loss provision to assets | 0.1009% | 1,877 |
| Net operating income to assets | 0.8149% | 3,153 |
| Return on assets (ROA) | 0.8149% | 3,208 |
| Pretax return on assets | 1.2354% | 2,459 |
| Return on Equity (ROE) | 9.0320% | 2,404 |
| Retained earnings to average equity (ytd only) | 6.4902% | 2,086 |
| Net charge-offs to loans | -0.0107% | 4,457 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2589% | 4,274 |
| Assets per employee ($millions) | 8.0938% | 594 |
| Cash dividends to net income (ytd only)* | 28.1426% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 2,476 |
| Loan loss allowance to noncurrent loans | 1,269.7479% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,919 |
| Noncurrent loans to loans | 0.1034% | 4,776 |
| Net loans and leases to total assets | 85.0682% | 282 |
| Net loans and leases to deposits | 94.9490% | 1,024 |
| Net loans and leases to core deposits | 109.5927% | 892 |
| Total domestic deposits to total assets | 89.5936% | 854 |
| Equity capital to assets | 8.9182% | 4,892 |
| Core capital (leverage) ratio | 9.2834% | 4,368 |
| Tier 1 risk-based capital ratio | 9.9300% | 5,714 |
| Total risk-based capital ratio | 11.1801% | 5,687 |
| Memoranda: | ||
| Average total assets | $261,619,500 | 2,455 |
| Average earning assets | $255,279,000 | 2,351 |
| Average equity | $23,605,000 | 2,834 |
| Average total loans | $224,655,000 | 1,991 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 3,737 |
| Cost of funding earning assets | 0.6681% | 960 |
| Net interest margin | 3.1823% | 4,493 |
| Noninterest income to average assets | 0.4288% | 3,689 |
| Noninterest expense to average assets | 2.3204% | 4,510 |
| Loan and lease loss provision to assets | 0.0398% | 3,585 |
| Net operating income to assets | 0.7624% | 3,479 |
| Return on assets (ROA) | 0.7624% | 3,586 |
| Pretax return on assets | 1.1749% | 2,779 |
| Return on Equity (ROE) | 8.4123% | 2,735 |
| Retained earnings to average equity (ytd only) | 6.2159% | 1,599 |
| Net charge-offs to loans | -0.0047% | 4,800 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6380% | 3,653 |
| Assets per employee ($millions) | 7.5336% | 720 |
| Cash dividends to net income (ytd only)* | 26.1097% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 2,319 |
| Loan loss allowance to noncurrent loans | 1,213.9918% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 4,948 |
| Noncurrent loans to loans | 0.1109% | 4,786 |
| Net loans and leases to total assets | 84.3764% | 352 |
| Net loans and leases to deposits | 94.2370% | 1,173 |
| Net loans and leases to core deposits | 106.6478% | 1,088 |
| Total domestic deposits to total assets | 89.5364% | 843 |
| Equity capital to assets | 9.1316% | 4,667 |
| Core capital (leverage) ratio | 9.0257% | 4,713 |
| Tier 1 risk-based capital ratio | 10.3295% | 5,650 |
| Total risk-based capital ratio | 11.5799% | 5,586 |
| Memoranda: | ||
| Average total assets | $251,165,200 | 2,497 |
| Average earning assets | $245,168,400 | 2,397 |
| Average equity | $22,764,200 | 2,914 |
| Average total loans | $212,623,000 | 2,026 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 3,811 |
| Cost of funding earning assets | 0.6595% | 1,008 |
| Net interest margin | 3.1777% | 4,556 |
| Noninterest income to average assets | 0.3889% | 3,998 |
| Noninterest expense to average assets | 2.2380% | 4,674 |
| Loan and lease loss provision to assets | 0.0384% | 3,469 |
| Net operating income to assets | 0.7741% | 3,491 |
| Return on assets (ROA) | 0.7741% | 3,632 |
| Pretax return on assets | 1.2153% | 2,777 |
| Return on Equity (ROE) | 8.5573% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.4932% | 1,919 |
| Net charge-offs to loans | -0.0019% | 4,490 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0947% | 3,920 |
| Assets per employee ($millions) | 7.1628% | 833 |
| Cash dividends to net income (ytd only)* | 24.1215% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 2,246 |
| Loan loss allowance to noncurrent loans | 1,161.3546% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0973% | 5,047 |
| Noncurrent loans to loans | 0.1197% | 4,861 |
| Net loans and leases to total assets | 80.1928% | 864 |
| Net loans and leases to deposits | 89.7840% | 1,786 |
| Net loans and leases to core deposits | 102.9232% | 1,421 |
| Total domestic deposits to total assets | 89.3175% | 752 |
| Equity capital to assets | 8.9936% | 5,186 |
| Core capital (leverage) ratio | 9.0306% | 4,799 |
| Tier 1 risk-based capital ratio | 10.6724% | 5,538 |
| Total risk-based capital ratio | 11.9234% | 5,452 |
| Memoranda: | ||
| Average total assets | $249,920,500 | 2,512 |
| Average earning assets | $244,029,250 | 2,416 |
| Average equity | $22,607,750 | 2,955 |
| Average total loans | $211,010,000 | 2,043 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8359% | 3,825 |
| Cost of funding earning assets | 0.6425% | 1,085 |
| Net interest margin | 3.1934% | 4,560 |
| Noninterest income to average assets | 0.3365% | 4,376 |
| Noninterest expense to average assets | 2.2243% | 4,790 |
| Loan and lease loss provision to assets | 0.0526% | 3,095 |
| Net operating income to assets | 0.7506% | 3,545 |
| Return on assets (ROA) | 0.7506% | 3,700 |
| Pretax return on assets | 1.1793% | 2,862 |
| Return on Equity (ROE) | 8.2808% | 2,844 |
| Retained earnings to average equity (ytd only) | 6.0500% | 2,093 |
| Net charge-offs to loans | 0.0047% | 3,538 |
| Credit loss provision to net charge-offs | 1,300.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 304.6000% | 220 |
| Efficiency ratio | 64.3576% | 3,952 |
| Assets per employee ($millions) | 7.3725% | 739 |
| Cash dividends to net income (ytd only)* | 26.9397% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 2,462 |
| Loan loss allowance to noncurrent loans | 1,137.2549% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 5,106 |
| Noncurrent loans to loans | 0.1202% | 4,966 |
| Net loans and leases to total assets | 83.5083% | 464 |
| Net loans and leases to deposits | 93.6867% | 1,316 |
| Net loans and leases to core deposits | 107.3598% | 1,068 |
| Total domestic deposits to total assets | 89.1357% | 857 |
| Equity capital to assets | 9.0838% | 5,177 |
| Core capital (leverage) ratio | 9.1881% | 4,615 |
| Tier 1 risk-based capital ratio | 10.3181% | 5,755 |
| Total risk-based capital ratio | 11.5686% | 5,665 |
| Memoranda: | ||
| Average total assets | $247,273,670 | 2,555 |
| Average earning assets | $241,563,000 | 2,442 |
| Average equity | $22,413,330 | 2,981 |
| Average total loans | $211,446,330 | 2,040 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8456% | 3,784 |
| Cost of funding earning assets | 0.6304% | 1,150 |
| Net interest margin | 3.2152% | 4,534 |
| Noninterest income to average assets | 0.3127% | 4,498 |
| Noninterest expense to average assets | 2.1989% | 4,907 |
| Loan and lease loss provision to assets | 0.0652% | 2,655 |
| Net operating income to assets | 0.7574% | 3,450 |
| Return on assets (ROA) | 0.7574% | 3,557 |
| Pretax return on assets | 1.1890% | 2,745 |
| Return on Equity (ROE) | 8.3652% | 2,728 |
| Retained earnings to average equity (ytd only) | 5.6667% | 2,547 |
| Net charge-offs to loans | 0.0663% | 1,827 |
| Credit loss provision to net charge-offs | 114.2857% | 1,481 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,419 |
| Efficiency ratio | 63.6792% | 4,175 |
| Assets per employee ($millions) | 7.4981% | 707 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 2,595 |
| Loan loss allowance to noncurrent loans | 1,081.7490% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 5,154 |
| Noncurrent loans to loans | 0.1260% | 4,971 |
| Net loans and leases to total assets | 83.2305% | 434 |
| Net loans and leases to deposits | 92.6911% | 1,266 |
| Net loans and leases to core deposits | 106.1496% | 1,068 |
| Total domestic deposits to total assets | 89.7934% | 680 |
| Equity capital to assets | 9.0516% | 5,121 |
| Core capital (leverage) ratio | 9.1465% | 4,665 |
| Tier 1 risk-based capital ratio | 10.1956% | 5,863 |
| Total risk-based capital ratio | 11.4463% | 5,794 |
| Memoranda: | ||
| Average total assets | $245,577,500 | 2,574 |
| Average earning assets | $239,860,000 | 2,469 |
| Average equity | $22,235,000 | 3,001 |
| Average total loans | $211,056,000 | 2,043 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8879% | 3,750 |
| Cost of funding earning assets | 0.5747% | 1,555 |
| Net interest margin | 3.3132% | 4,242 |
| Noninterest income to average assets | 0.3867% | 4,141 |
| Noninterest expense to average assets | 2.2385% | 4,952 |
| Loan and lease loss provision to assets | 0.0860% | 2,574 |
| Net operating income to assets | 0.8165% | 3,267 |
| Return on assets (ROA) | 0.8165% | 3,348 |
| Pretax return on assets | 1.2934% | 2,316 |
| Return on Equity (ROE) | 9.2511% | 2,344 |
| Retained earnings to average equity (ytd only) | 7.1422% | 1,218 |
| Net charge-offs to loans | -0.0162% | 5,224 |
| Credit loss provision to net charge-offs | -650.0000% | 5,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8726% | 4,630 |
| Assets per employee ($millions) | 7.3854% | 751 |
| Cash dividends to net income (ytd only)* | 22.7964% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 2,754 |
| Loan loss allowance to noncurrent loans | 904.4586% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 5,080 |
| Noncurrent loans to loans | 0.1472% | 4,906 |
| Net loans and leases to total assets | 86.3637% | 205 |
| Net loans and leases to deposits | 96.0167% | 1,008 |
| Net loans and leases to core deposits | 108.9394% | 923 |
| Total domestic deposits to total assets | 89.9466% | 650 |
| Equity capital to assets | 9.0568% | 5,071 |
| Core capital (leverage) ratio | 9.1809% | 4,644 |
| Tier 1 risk-based capital ratio | 9.9596% | 5,959 |
| Total risk-based capital ratio | 11.2100% | 5,909 |
| Memoranda: | ||
| Average total assets | $241,771,200 | 2,564 |
| Average earning assets | $235,784,600 | 2,456 |
| Average equity | $21,338,000 | 3,038 |
| Average total loans | $197,392,200 | 2,097 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 3,889 |
| Cost of funding earning assets | 0.5694% | 1,637 |
| Net interest margin | 3.2914% | 4,390 |
| Noninterest income to average assets | 0.3956% | 4,117 |
| Noninterest expense to average assets | 2.2214% | 4,990 |
| Loan and lease loss provision to assets | 0.0961% | 2,251 |
| Net operating income to assets | 0.8200% | 3,336 |
| Return on assets (ROA) | 0.8200% | 3,422 |
| Pretax return on assets | 1.2853% | 2,449 |
| Return on Equity (ROE) | 9.3533% | 2,380 |
| Retained earnings to average equity (ytd only) | 7.4625% | 1,470 |
| Net charge-offs to loans | -0.0248% | 5,272 |
| Credit loss provision to net charge-offs | -483.3333% | 5,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6564% | 4,620 |
| Assets per employee ($millions) | 7.1974% | 795 |
| Cash dividends to net income (ytd only)* | 20.2156% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 2,604 |
| Loan loss allowance to noncurrent loans | 557.5397% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 4,914 |
| Noncurrent loans to loans | 0.2510% | 4,675 |
| Net loans and leases to total assets | 83.3715% | 437 |
| Net loans and leases to deposits | 93.5751% | 1,250 |
| Net loans and leases to core deposits | 106.8542% | 1,043 |
| Total domestic deposits to total assets | 89.0958% | 980 |
| Equity capital to assets | 9.1616% | 5,156 |
| Core capital (leverage) ratio | 9.0128% | 4,982 |
| Tier 1 risk-based capital ratio | 10.2642% | 5,962 |
| Total risk-based capital ratio | 11.5151% | 5,904 |
| Memoranda: | ||
| Average total assets | $241,284,500 | 2,585 |
| Average earning assets | $235,108,500 | 2,481 |
| Average equity | $21,154,250 | 3,075 |
| Average total loans | $193,409,250 | 2,148 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 4,020 |
| Cost of funding earning assets | 0.5652% | 1,682 |
| Net interest margin | 3.2466% | 4,513 |
| Noninterest income to average assets | 0.3991% | 4,085 |
| Noninterest expense to average assets | 2.2091% | 5,090 |
| Loan and lease loss provision to assets | 0.0924% | 2,275 |
| Net operating income to assets | 0.8040% | 3,366 |
| Return on assets (ROA) | 0.8040% | 3,461 |
| Pretax return on assets | 1.2616% | 2,503 |
| Return on Equity (ROE) | 9.3068% | 2,381 |
| Retained earnings to average equity (ytd only) | 7.3977% | 1,522 |
| Net charge-offs to loans | -0.0304% | 5,337 |
| Credit loss provision to net charge-offs | -386.2069% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9995% | 4,678 |
| Assets per employee ($millions) | 7.5057% | 671 |
| Cash dividends to net income (ytd only)* | 20.5128% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 2,822 |
| Loan loss allowance to noncurrent loans | 524.0918% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 4,997 |
| Noncurrent loans to loans | 0.2648% | 4,720 |
| Net loans and leases to total assets | 81.0893% | 656 |
| Net loans and leases to deposits | 90.4217% | 1,542 |
| Net loans and leases to core deposits | 102.6214% | 1,286 |
| Total domestic deposits to total assets | 89.6791% | 798 |
| Equity capital to assets | 8.8812% | 5,361 |
| Core capital (leverage) ratio | 8.7513% | 5,274 |
| Tier 1 risk-based capital ratio | 10.4534% | 5,941 |
| Total risk-based capital ratio | 11.7046% | 5,882 |
| Memoranda: | ||
| Average total assets | $242,541,330 | 2,595 |
| Average earning assets | $236,371,000 | 2,490 |
| Average equity | $20,952,330 | 3,115 |
| Average total loans | $190,936,000 | 2,175 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 3,963 |
| Cost of funding earning assets | 0.5640% | 1,715 |
| Net interest margin | 3.2475% | 4,430 |
| Noninterest income to average assets | 0.4087% | 3,933 |
| Noninterest expense to average assets | 2.1960% | 5,161 |
| Loan and lease loss provision to assets | 0.1132% | 1,824 |
| Net operating income to assets | 0.8058% | 3,231 |
| Return on assets (ROA) | 0.8058% | 3,353 |
| Pretax return on assets | 1.2654% | 2,400 |
| Return on Equity (ROE) | 9.4591% | 2,238 |
| Retained earnings to average equity (ytd only) | 7.5326% | 1,747 |
| Net charge-offs to loans | -0.0469% | 5,489 |
| Credit loss provision to net charge-offs | -313.6364% | 4,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4325% | 4,890 |
| Assets per employee ($millions) | 7.5803% | 653 |
| Cash dividends to net income (ytd only)* | 20.3666% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 2,811 |
| Loan loss allowance to noncurrent loans | 384.9785% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 4,834 |
| Noncurrent loans to loans | 0.3699% | 4,482 |
| Net loans and leases to total assets | 74.4682% | 1,429 |
| Net loans and leases to deposits | 82.5386% | 2,273 |
| Net loans and leases to core deposits | 92.5317% | 1,904 |
| Total domestic deposits to total assets | 90.2223% | 640 |
| Equity capital to assets | 8.3785% | 5,819 |
| Core capital (leverage) ratio | 8.3673% | 5,669 |
| Tier 1 risk-based capital ratio | 10.6612% | 5,953 |
| Total risk-based capital ratio | 11.9129% | 5,878 |
| Memoranda: | ||
| Average total assets | $243,721,000 | 2,608 |
| Average earning assets | $237,595,500 | 2,493 |
| Average equity | $20,763,000 | 3,157 |
| Average total loans | $187,652,500 | 2,206 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 3,272 |
| Cost of funding earning assets | 0.5078% | 2,591 |
| Net interest margin | 3.6072% | 3,390 |
| Noninterest income to average assets | 0.3005% | 4,972 |
| Noninterest expense to average assets | 2.3082% | 5,093 |
| Loan and lease loss provision to assets | 0.1681% | 1,555 |
| Net operating income to assets | 0.8391% | 3,182 |
| Return on assets (ROA) | 0.8391% | 3,273 |
| Pretax return on assets | 1.3279% | 2,149 |
| Return on Equity (ROE) | 9.5919% | 2,302 |
| Retained earnings to average equity (ytd only) | 7.0770% | 1,370 |
| Net charge-offs to loans | 0.0990% | 3,093 |
| Credit loss provision to net charge-offs | 209.8901% | 1,180 |
| Earnings coverage of net charge-offs (x) | 18.6813% | 1,827 |
| Efficiency ratio | 60.6755% | 5,120 |
| Assets per employee ($millions) | 7.1906% | 761 |
| Cash dividends to net income (ytd only)* | 26.2192% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 2,971 |
| Loan loss allowance to noncurrent loans | 439.9323% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 4,780 |
| Noncurrent loans to loans | 0.3172% | 4,706 |
| Net loans and leases to total assets | 77.4286% | 1,082 |
| Net loans and leases to deposits | 86.0007% | 1,988 |
| Net loans and leases to core deposits | 97.0838% | 1,628 |
| Total domestic deposits to total assets | 90.0325% | 721 |
| Equity capital to assets | 8.6674% | 5,598 |
| Core capital (leverage) ratio | 8.8179% | 5,228 |
| Tier 1 risk-based capital ratio | 10.5065% | 6,098 |
| Total risk-based capital ratio | 11.7574% | 6,040 |
| Memoranda: | ||
| Average total assets | $227,277,600 | 2,721 |
| Average earning assets | $220,753,400 | 2,618 |
| Average equity | $19,881,400 | 3,175 |
| Average total loans | $183,790,200 | 2,187 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1465% | 3,182 |
| Cost of funding earning assets | 0.4960% | 2,804 |
| Net interest margin | 3.6505% | 3,221 |
| Noninterest income to average assets | 0.2901% | 5,125 |
| Noninterest expense to average assets | 2.3567% | 4,948 |
| Loan and lease loss provision to assets | 0.1637% | 1,514 |
| Net operating income to assets | 0.8358% | 3,253 |
| Return on assets (ROA) | 0.8358% | 3,344 |
| Pretax return on assets | 1.3103% | 2,337 |
| Return on Equity (ROE) | 9.5313% | 2,437 |
| Retained earnings to average equity (ytd only) | 7.5358% | 1,567 |
| Net charge-offs to loans | 0.1332% | 2,456 |
| Credit loss provision to net charge-offs | 150.8197% | 1,573 |
| Earnings coverage of net charge-offs (x) | 13.5794% | 2,215 |
| Efficiency ratio | 61.5206% | 4,960 |
| Assets per employee ($millions) | 6.9312% | 826 |
| Cash dividends to net income (ytd only)* | 20.9366% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 3,681 |
| Loan loss allowance to noncurrent loans | 454.9270% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 5,019 |
| Noncurrent loans to loans | 0.2842% | 5,061 |
| Net loans and leases to total assets | 83.2238% | 382 |
| Net loans and leases to deposits | 92.8892% | 1,146 |
| Net loans and leases to core deposits | 106.1827% | 948 |
| Total domestic deposits to total assets | 89.5947% | 934 |
| Equity capital to assets | 8.8646% | 5,497 |
| Core capital (leverage) ratio | 9.0008% | 5,069 |
| Tier 1 risk-based capital ratio | 10.0305% | 6,336 |
| Total risk-based capital ratio | 11.2637% | 6,309 |
| Memoranda: | ||
| Average total assets | $224,774,250 | 2,760 |
| Average earning assets | $218,010,000 | 2,653 |
| Average equity | $19,710,000 | 3,197 |
| Average total loans | $183,155,000 | 2,205 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 3,322 |
| Cost of funding earning assets | 0.4843% | 2,984 |
| Net interest margin | 3.6199% | 3,282 |
| Noninterest income to average assets | 0.2578% | 5,354 |
| Noninterest expense to average assets | 2.3674% | 4,977 |
| Loan and lease loss provision to assets | 0.1665% | 1,471 |
| Net operating income to assets | 0.7814% | 3,419 |
| Return on assets (ROA) | 0.7814% | 3,522 |
| Pretax return on assets | 1.2298% | 2,535 |
| Return on Equity (ROE) | 8.9441% | 2,622 |
| Retained earnings to average equity (ytd only) | 7.3561% | 1,582 |
| Net charge-offs to loans | 0.1323% | 2,341 |
| Credit loss provision to net charge-offs | 156.3025% | 1,416 |
| Earnings coverage of net charge-offs (x) | 13.1092% | 2,000 |
| Efficiency ratio | 62.9013% | 4,877 |
| Assets per employee ($millions) | 6.8442% | 858 |
| Cash dividends to net income (ytd only)* | 17.7549% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 3,831 |
| Loan loss allowance to noncurrent loans | 1,434.3023% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 5,700 |
| Noncurrent loans to loans | 0.0910% | 5,743 |
| Net loans and leases to total assets | 82.5775% | 414 |
| Net loans and leases to deposits | 91.8731% | 1,165 |
| Net loans and leases to core deposits | 103.6144% | 1,045 |
| Total domestic deposits to total assets | 89.8821% | 865 |
| Equity capital to assets | 8.8025% | 5,518 |
| Core capital (leverage) ratio | 8.8470% | 5,231 |
| Tier 1 risk-based capital ratio | 10.0719% | 6,378 |
| Total risk-based capital ratio | 11.3217% | 6,332 |
| Memoranda: | ||
| Average total assets | $223,456,000 | 2,785 |
| Average earning assets | $216,416,670 | 2,675 |
| Average equity | $19,521,330 | 3,224 |
| Average total loans | $179,923,330 | 2,236 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 3,630 |
| Cost of funding earning assets | 0.4724% | 3,205 |
| Net interest margin | 3.5412% | 3,513 |
| Noninterest income to average assets | 0.2646% | 5,246 |
| Noninterest expense to average assets | 2.3540% | 5,054 |
| Loan and lease loss provision to assets | 0.1620% | 1,503 |
| Net operating income to assets | 0.7487% | 3,424 |
| Return on assets (ROA) | 0.7487% | 3,506 |
| Pretax return on assets | 1.1752% | 2,587 |
| Return on Equity (ROE) | 8.6033% | 2,642 |
| Retained earnings to average equity (ytd only) | 7.6726% | 1,734 |
| Net charge-offs to loans | 0.2873% | 1,203 |
| Credit loss provision to net charge-offs | 71.4286% | 1,983 |
| Earnings coverage of net charge-offs (x) | 5.8968% | 2,314 |
| Efficiency ratio | 63.7738% | 4,895 |
| Assets per employee ($millions) | 6.3745% | 1,071 |
| Cash dividends to net income (ytd only)* | 10.8173% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 3,954 |
| Loan loss allowance to noncurrent loans | 725.1534% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 5,448 |
| Noncurrent loans to loans | 0.1835% | 5,548 |
| Net loans and leases to total assets | 78.5882% | 699 |
| Net loans and leases to deposits | 87.8199% | 1,377 |
| Net loans and leases to core deposits | 98.9548% | 1,180 |
| Total domestic deposits to total assets | 89.4880% | 1,371 |
| Equity capital to assets | 8.7537% | 5,390 |
| Core capital (leverage) ratio | 8.8609% | 5,189 |
| Tier 1 risk-based capital ratio | 10.4055% | 6,360 |
| Total risk-based capital ratio | 11.6557% | 6,323 |
| Memoranda: | ||
| Average total assets | $222,255,500 | 2,806 |
| Average earning assets | $215,070,500 | 2,695 |
| Average equity | $19,341,500 | 3,246 |
| Average total loans | $175,398,000 | 2,280 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 3,995 |
| Cost of funding earning assets | 0.4451% | 4,158 |
| Net interest margin | 3.5827% | 3,538 |
| Noninterest income to average assets | 0.4294% | 4,239 |
| Noninterest expense to average assets | 2.7516% | 3,905 |
| Loan and lease loss provision to assets | 0.1613% | 2,264 |
| Net operating income to assets | 0.6244% | 4,140 |
| Return on assets (ROA) | 0.6244% | 4,257 |
| Pretax return on assets | 1.0002% | 3,343 |
| Return on Equity (ROE) | 6.8206% | 3,664 |
| Retained earnings to average equity (ytd only) | 4.9304% | 2,645 |
| Net charge-offs to loans | 0.1131% | 3,688 |
| Credit loss provision to net charge-offs | 183.8889% | 1,250 |
| Earnings coverage of net charge-offs (x) | 13.2389% | 2,047 |
| Efficiency ratio | 70.3164% | 3,788 |
| Assets per employee ($millions) | 6.3259% | 1,073 |
| Cash dividends to net income (ytd only)* | 27.7127% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 3,713 |
| Loan loss allowance to noncurrent loans | 377.3585% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 5,178 |
| Noncurrent loans to loans | 0.3674% | 5,083 |
| Net loans and leases to total assets | 77.0972% | 946 |
| Net loans and leases to deposits | 86.0750% | 1,676 |
| Net loans and leases to core deposits | 95.2311% | 1,513 |
| Total domestic deposits to total assets | 89.5698% | 1,287 |
| Equity capital to assets | 8.6507% | 5,421 |
| Core capital (leverage) ratio | 9.1980% | 4,727 |
| Tier 1 risk-based capital ratio | 10.5293% | 6,356 |
| Total risk-based capital ratio | 11.7803% | 6,315 |
| Memoranda: | ||
| Average total assets | $205,155,800 | 2,970 |
| Average earning assets | $199,487,200 | 2,831 |
| Average equity | $18,781,400 | 3,302 |
| Average total loans | $159,116,800 | 2,436 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0320% | 4,006 |
| Cost of funding earning assets | 0.4485% | 4,294 |
| Net interest margin | 3.5835% | 3,521 |
| Noninterest income to average assets | 0.5225% | 3,649 |
| Noninterest expense to average assets | 2.6720% | 4,126 |
| Loan and lease loss provision to assets | 0.1856% | 1,961 |
| Net operating income to assets | 0.7353% | 3,673 |
| Return on assets (ROA) | 0.7353% | 3,804 |
| Pretax return on assets | 1.1557% | 2,869 |
| Return on Equity (ROE) | 7.9120% | 3,168 |
| Retained earnings to average equity (ytd only) | 6.2711% | 2,251 |
| Net charge-offs to loans | 0.1816% | 2,777 |
| Credit loss provision to net charge-offs | 132.0755% | 1,792 |
| Earnings coverage of net charge-offs (x) | 9.5425% | 2,470 |
| Efficiency ratio | 66.5786% | 4,381 |
| Assets per employee ($millions) | 5.5709% | 1,561 |
| Cash dividends to net income (ytd only)* | 20.7395% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 3,885 |
| Loan loss allowance to noncurrent loans | 204.6820% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 4,137 |
| Noncurrent loans to loans | 0.6853% | 4,484 |
| Net loans and leases to total assets | 81.2100% | 432 |
| Net loans and leases to deposits | 91.6978% | 1,003 |
| Net loans and leases to core deposits | 101.3573% | 1,038 |
| Total domestic deposits to total assets | 88.5627% | 1,804 |
| Equity capital to assets | 9.5266% | 4,520 |
| Core capital (leverage) ratio | 9.3927% | 4,539 |
| Tier 1 risk-based capital ratio | 11.1720% | 6,207 |
| Total risk-based capital ratio | 12.4232% | 6,171 |
| Memoranda: | ||
| Average total assets | $201,093,500 | 3,047 |
| Average earning assets | $195,894,750 | 2,901 |
| Average equity | $18,688,500 | 3,346 |
| Average total loans | $155,621,750 | 2,493 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 4,188 |
| Cost of funding earning assets | 0.4500% | 4,428 |
| Net interest margin | 3.5299% | 3,658 |
| Noninterest income to average assets | 0.5555% | 3,466 |
| Noninterest expense to average assets | 2.6909% | 4,063 |
| Loan and lease loss provision to assets | 0.1789% | 2,122 |
| Net operating income to assets | 0.7135% | 3,744 |
| Return on assets (ROA) | 0.7135% | 3,917 |
| Pretax return on assets | 1.1229% | 3,002 |
| Return on Equity (ROE) | 7.7415% | 3,217 |
| Retained earnings to average equity (ytd only) | 6.6094% | 2,090 |
| Net charge-offs to loans | 0.1417% | 2,963 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 12.1296% | 2,002 |
| Efficiency ratio | 67.3967% | 4,287 |
| Assets per employee ($millions) | 5.5220% | 1,566 |
| Cash dividends to net income (ytd only)* | 14.6240% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 3,677 |
| Loan loss allowance to noncurrent loans | 153.4038% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 1.0161% | 3,727 |
| Noncurrent loans to loans | 0.9647% | 4,008 |
| Net loans and leases to total assets | 75.6305% | 1,025 |
| Net loans and leases to deposits | 85.1263% | 1,667 |
| Net loans and leases to core deposits | 94.6589% | 1,466 |
| Total domestic deposits to total assets | 88.8451% | 1,713 |
| Equity capital to assets | 9.2167% | 4,968 |
| Core capital (leverage) ratio | 9.3148% | 4,514 |
| Tier 1 risk-based capital ratio | 11.5448% | 6,082 |
| Total risk-based capital ratio | 12.7972% | 6,043 |
| Memoranda: | ||
| Average total assets | $201,273,330 | 3,058 |
| Average earning assets | $195,983,000 | 2,915 |
| Average equity | $18,549,330 | 3,393 |
| Average total loans | $152,433,330 | 2,535 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 4,282 |
| Cost of funding earning assets | 0.4607% | 4,478 |
| Net interest margin | 3.4942% | 3,724 |
| Noninterest income to average assets | 0.5367% | 3,523 |
| Noninterest expense to average assets | 2.6873% | 4,116 |
| Loan and lease loss provision to assets | 0.1802% | 2,057 |
| Net operating income to assets | 0.6808% | 3,779 |
| Return on assets (ROA) | 0.6808% | 3,931 |
| Pretax return on assets | 1.0713% | 3,071 |
| Return on Equity (ROE) | 7.3879% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.3879% | 1,990 |
| Net charge-offs to loans | 0.1278% | 2,649 |
| Credit loss provision to net charge-offs | 187.5000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 13.0208% | 1,556 |
| Efficiency ratio | 68.2257% | 4,269 |
| Assets per employee ($millions) | 5.7285% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 3,614 |
| Loan loss allowance to noncurrent loans | 100.7033% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.3092% | 3,343 |
| Noncurrent loans to loans | 1.5400% | 3,242 |
| Net loans and leases to total assets | 72.5370% | 1,277 |
| Net loans and leases to deposits | 81.7424% | 1,864 |
| Net loans and leases to core deposits | 91.7983% | 1,524 |
| Total domestic deposits to total assets | 88.7386% | 1,843 |
| Equity capital to assets | 9.2659% | 5,181 |
| Core capital (leverage) ratio | 9.3660% | 4,294 |
| Tier 1 risk-based capital ratio | 12.0854% | 5,863 |
| Total risk-based capital ratio | 13.3384% | 5,810 |
| Memoranda: | ||
| Average total assets | $199,753,500 | 3,099 |
| Average earning assets | $194,496,000 | 2,962 |
| Average equity | $18,408,500 | 3,467 |
| Average total loans | $150,228,000 | 2,578 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 4,765 |
| Cost of funding earning assets | 0.5408% | 4,897 |
| Net interest margin | 3.6109% | 4,039 |
| Noninterest income to average assets | 0.6981% | 2,737 |
| Noninterest expense to average assets | 2.7364% | 4,266 |
| Loan and lease loss provision to assets | 0.3870% | 1,686 |
| Net operating income to assets | 0.6757% | 3,852 |
| Return on assets (ROA) | 0.6757% | 4,126 |
| Pretax return on assets | 1.0819% | 3,221 |
| Return on Equity (ROE) | 7.0563% | 3,612 |
| Retained earnings to average equity (ytd only) | 4.2804% | 3,210 |
| Net charge-offs to loans | 0.6710% | 1,757 |
| Credit loss provision to net charge-offs | 75.0515% | 4,002 |
| Earnings coverage of net charge-offs (x) | 2.8485% | 4,009 |
| Efficiency ratio | 65.0695% | 4,690 |
| Assets per employee ($millions) | 6.0305% | 1,258 |
| Cash dividends to net income (ytd only)* | 39.3391% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 3,850 |
| Loan loss allowance to noncurrent loans | 81.8116% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.5572% | 3,047 |
| Noncurrent loans to loans | 1.7999% | 2,917 |
| Net loans and leases to total assets | 75.6151% | 976 |
| Net loans and leases to deposits | 85.3376% | 1,605 |
| Net loans and leases to core deposits | 95.2363% | 1,370 |
| Total domestic deposits to total assets | 88.6070% | 1,835 |
| Equity capital to assets | 9.1650% | 5,318 |
| Core capital (leverage) ratio | 9.7744% | 3,691 |
| Tier 1 risk-based capital ratio | 11.4341% | 6,144 |
| Total risk-based capital ratio | 12.6862% | 6,112 |
| Memoranda: | ||
| Average total assets | $188,092,400 | 3,197 |
| Average earning assets | $182,698,800 | 3,055 |
| Average equity | $18,012,200 | 3,464 |
| Average total loans | $144,555,000 | 2,660 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 4,835 |
| Cost of funding earning assets | 0.5624% | 4,979 |
| Net interest margin | 3.6324% | 4,087 |
| Noninterest income to average assets | 0.7200% | 2,621 |
| Noninterest expense to average assets | 2.7398% | 4,215 |
| Loan and lease loss provision to assets | 0.3467% | 1,889 |
| Net operating income to assets | 0.7380% | 3,743 |
| Return on assets (ROA) | 0.7380% | 3,997 |
| Pretax return on assets | 1.1595% | 3,133 |
| Return on Equity (ROE) | 7.6187% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.6187% | 1,786 |
| Net charge-offs to loans | 0.6381% | 1,725 |
| Credit loss provision to net charge-offs | 70.6745% | 3,884 |
| Earnings coverage of net charge-offs (x) | 3.0704% | 3,799 |
| Efficiency ratio | 64.5265% | 4,710 |
| Assets per employee ($millions) | 5.0361% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 3,465 |
| Loan loss allowance to noncurrent loans | 91.4206% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.5918% | 3,211 |
| Noncurrent loans to loans | 1.7645% | 3,135 |
| Net loans and leases to total assets | 77.0716% | 844 |
| Net loans and leases to deposits | 87.7999% | 1,375 |
| Net loans and leases to core deposits | 98.5680% | 1,222 |
| Total domestic deposits to total assets | 87.7810% | 2,183 |
| Equity capital to assets | 10.2030% | 4,198 |
| Core capital (leverage) ratio | 10.1054% | 3,405 |
| Tier 1 risk-based capital ratio | 12.6026% | 5,566 |
| Total risk-based capital ratio | 13.8565% | 5,520 |
| Memoranda: | ||
| Average total assets | $185,363,500 | 3,267 |
| Average earning assets | $179,931,500 | 3,122 |
| Average equity | $17,955,500 | 3,511 |
| Average total loans | $142,511,500 | 2,724 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1542% | 5,117 |
| Cost of funding earning assets | 0.5638% | 5,194 |
| Net interest margin | 3.5904% | 4,301 |
| Noninterest income to average assets | 0.6866% | 2,737 |
| Noninterest expense to average assets | 2.6478% | 4,616 |
| Loan and lease loss provision to assets | 0.3888% | 1,684 |
| Net operating income to assets | 0.7219% | 3,742 |
| Return on assets (ROA) | 0.7219% | 4,022 |
| Pretax return on assets | 1.1354% | 3,165 |
| Return on Equity (ROE) | 7.5838% | 3,458 |
| Retained earnings to average equity (ytd only) | 7.5838% | 1,825 |
| Net charge-offs to loans | 0.6504% | 1,696 |
| Credit loss provision to net charge-offs | 78.2328% | 3,368 |
| Earnings coverage of net charge-offs (x) | 3.0668% | 3,520 |
| Efficiency ratio | 63.4660% | 4,993 |
| Assets per employee ($millions) | 5.0666% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 3,328 |
| Loan loss allowance to noncurrent loans | 87.2581% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.7571% | 3,094 |
| Noncurrent loans to loans | 1.9226% | 3,040 |
| Net loans and leases to total assets | 76.7943% | 866 |
| Net loans and leases to deposits | 87.6496% | 1,399 |
| Net loans and leases to core deposits | 98.5098% | 1,219 |
| Total domestic deposits to total assets | 87.6151% | 2,390 |
| Equity capital to assets | 9.9474% | 4,421 |
| Core capital (leverage) ratio | 10.0771% | 3,309 |
| Tier 1 risk-based capital ratio | 12.1270% | 5,847 |
| Total risk-based capital ratio | 13.3814% | 5,822 |
| Memoranda: | ||
| Average total assets | $186,718,330 | 3,257 |
| Average earning assets | $181,261,670 | 3,108 |
| Average equity | $17,774,670 | 3,530 |
| Average total loans | $142,675,000 | 2,729 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 5,497 |
| Cost of funding earning assets | 0.5733% | 5,333 |
| Net interest margin | 3.5162% | 4,612 |
| Noninterest income to average assets | 0.7582% | 2,359 |
| Noninterest expense to average assets | 2.6853% | 4,480 |
| Loan and lease loss provision to assets | 0.6946% | 758 |
| Net operating income to assets | 0.5040% | 4,808 |
| Return on assets (ROA) | 0.5040% | 5,018 |
| Pretax return on assets | 0.7942% | 4,433 |
| Return on Equity (ROE) | 5.4122% | 4,587 |
| Retained earnings to average equity (ytd only) | 5.4122% | 3,307 |
| Net charge-offs to loans | 1.5464% | 651 |
| Credit loss provision to net charge-offs | 59.4203% | 3,131 |
| Earnings coverage of net charge-offs (x) | 1.2736% | 3,693 |
| Efficiency ratio | 64.3328% | 4,864 |
| Assets per employee ($millions) | 5.7182% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 3,663 |
| Loan loss allowance to noncurrent loans | 62.7283% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.9883% | 2,914 |
| Noncurrent loans to loans | 2.5763% | 2,531 |
| Net loans and leases to total assets | 73.1394% | 1,200 |
| Net loans and leases to deposits | 82.3635% | 1,880 |
| Net loans and leases to core deposits | 92.8462% | 1,565 |
| Total domestic deposits to total assets | 88.8007% | 1,818 |
| Equity capital to assets | 9.3847% | 4,985 |
| Core capital (leverage) ratio | 9.2802% | 4,395 |
| Tier 1 risk-based capital ratio | 11.9900% | 5,966 |
| Total risk-based capital ratio | 13.2439% | 5,955 |
| Memoranda: | ||
| Average total assets | $188,878,000 | 3,250 |
| Average earning assets | $183,493,000 | 3,102 |
| Average equity | $17,590,000 | 3,557 |
| Average total loans | $142,781,500 | 2,741 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 5,741 |
| Cost of funding earning assets | 0.6278% | 5,937 |
| Net interest margin | 3.6798% | 4,393 |
| Noninterest income to average assets | 0.5404% | 3,584 |
| Noninterest expense to average assets | 2.9054% | 3,940 |
| Loan and lease loss provision to assets | 1.2739% | 650 |
| Net operating income to assets | -0.0632% | 6,125 |
| Return on assets (ROA) | -0.0352% | 6,191 |
| Pretax return on assets | -0.0400% | 6,167 |
| Return on Equity (ROE) | -0.3708% | 6,198 |
| Retained earnings to average equity (ytd only) | -0.3708% | 5,911 |
| Net charge-offs to loans | 1.6904% | 903 |
| Credit loss provision to net charge-offs | 96.1224% | 3,748 |
| Earnings coverage of net charge-offs (x) | 0.9069% | 5,128 |
| Efficiency ratio | 70.7362% | 3,819 |
| Assets per employee ($millions) | 6.0986% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7146% | 3,146 |
| Loan loss allowance to noncurrent loans | 46.2925% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 2.9192% | 2,066 |
| Noncurrent loans to loans | 3.7038% | 1,701 |
| Net loans and leases to total assets | 75.5284% | 1,018 |
| Net loans and leases to deposits | 84.8568% | 1,822 |
| Net loans and leases to core deposits | 99.0772% | 1,254 |
| Total domestic deposits to total assets | 89.0070% | 1,530 |
| Equity capital to assets | 9.2412% | 5,227 |
| Core capital (leverage) ratio | 9.5080% | 4,014 |
| Tier 1 risk-based capital ratio | 11.6061% | 6,090 |
| Total risk-based capital ratio | 12.8609% | 6,066 |
| Memoranda: | ||
| Average total assets | $184,860,800 | 3,264 |
| Average earning assets | $179,192,400 | 3,100 |
| Average equity | $17,527,800 | 3,500 |
| Average total loans | $144,932,800 | 2,712 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 5,986 |
| Cost of funding earning assets | 0.6432% | 6,067 |
| Net interest margin | 3.6442% | 4,599 |
| Noninterest income to average assets | 0.5150% | 3,757 |
| Noninterest expense to average assets | 2.7295% | 4,615 |
| Loan and lease loss provision to assets | 1.5073% | 456 |
| Net operating income to assets | -0.1217% | 6,304 |
| Return on assets (ROA) | -0.0943% | 6,365 |
| Pretax return on assets | -0.1487% | 6,372 |
| Return on Equity (ROE) | -0.9881% | 6,378 |
| Retained earnings to average equity (ytd only) | -0.9881% | 6,152 |
| Net charge-offs to loans | 2.0417% | 612 |
| Credit loss provision to net charge-offs | 93.6880% | 3,638 |
| Earnings coverage of net charge-offs (x) | 0.8179% | 5,001 |
| Efficiency ratio | 67.4736% | 4,426 |
| Assets per employee ($millions) | 5.8159% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 3,102 |
| Loan loss allowance to noncurrent loans | 39.2427% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 3.5237% | 1,785 |
| Noncurrent loans to loans | 4.4597% | 1,447 |
| Net loans and leases to total assets | 76.1637% | 953 |
| Net loans and leases to deposits | 86.1911% | 1,667 |
| Net loans and leases to core deposits | 100.1415% | 1,236 |
| Total domestic deposits to total assets | 88.3661% | 1,826 |
| Equity capital to assets | 9.6543% | 4,849 |
| Core capital (leverage) ratio | 9.7691% | 3,744 |
| Tier 1 risk-based capital ratio | 11.9401% | 5,934 |
| Total risk-based capital ratio | 13.1954% | 5,915 |
| Memoranda: | ||
| Average total assets | $183,812,000 | 3,294 |
| Average earning assets | $178,068,500 | 3,139 |
| Average equity | $17,542,000 | 3,502 |
| Average total loans | $144,845,500 | 2,730 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 6,204 |
| Cost of funding earning assets | 0.6632% | 6,154 |
| Net interest margin | 3.5740% | 4,817 |
| Noninterest income to average assets | 0.5471% | 3,493 |
| Noninterest expense to average assets | 2.7948% | 4,440 |
| Loan and lease loss provision to assets | 1.2477% | 612 |
| Net operating income to assets | -0.0224% | 6,262 |
| Return on assets (ROA) | 0.0184% | 6,275 |
| Pretax return on assets | 0.0292% | 6,225 |
| Return on Equity (ROE) | 0.1933% | 6,270 |
| Retained earnings to average equity (ytd only) | 0.1933% | 5,761 |
| Net charge-offs to loans | 1.6937% | 854 |
| Credit loss provision to net charge-offs | 92.9895% | 3,380 |
| Earnings coverage of net charge-offs (x) | 0.9041% | 4,621 |
| Efficiency ratio | 69.7329% | 4,166 |
| Assets per employee ($millions) | 5.8588% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7404% | 3,187 |
| Loan loss allowance to noncurrent loans | 32.7652% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 4.3183% | 1,471 |
| Noncurrent loans to loans | 5.3118% | 1,208 |
| Net loans and leases to total assets | 77.6822% | 819 |
| Net loans and leases to deposits | 87.6198% | 1,550 |
| Net loans and leases to core deposits | 102.5804% | 1,144 |
| Total domestic deposits to total assets | 88.6583% | 1,743 |
| Equity capital to assets | 9.6629% | 4,585 |
| Core capital (leverage) ratio | 9.3010% | 4,251 |
| Tier 1 risk-based capital ratio | 11.8654% | 5,887 |
| Total risk-based capital ratio | 13.1206% | 5,858 |
| Memoranda: | ||
| Average total assets | $184,985,330 | 3,300 |
| Average earning assets | $179,129,330 | 3,147 |
| Average equity | $17,587,330 | 3,480 |
| Average total loans | $146,539,670 | 2,739 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 6,417 |
| Cost of funding earning assets | 0.6664% | 6,310 |
| Net interest margin | 3.4739% | 5,125 |
| Noninterest income to average assets | 0.6750% | 2,704 |
| Noninterest expense to average assets | 2.6379% | 5,089 |
| Loan and lease loss provision to assets | 0.8786% | 926 |
| Net operating income to assets | 0.3300% | 5,267 |
| Return on assets (ROA) | 0.3300% | 5,345 |
| Pretax return on assets | 0.5207% | 4,955 |
| Return on Equity (ROE) | 3.4988% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.4988% | 4,084 |
| Net charge-offs to loans | 1.2701% | 1,090 |
| Credit loss provision to net charge-offs | 87.2340% | 2,987 |
| Earnings coverage of net charge-offs (x) | 1.3894% | 3,654 |
| Efficiency ratio | 65.3397% | 5,149 |
| Assets per employee ($millions) | 6.1226% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 3,195 |
| Loan loss allowance to noncurrent loans | 25.2222% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 5.3904% | 1,141 |
| Noncurrent loans to loans | 6.9200% | 809 |
| Net loans and leases to total assets | 74.9202% | 1,196 |
| Net loans and leases to deposits | 83.9741% | 2,039 |
| Net loans and leases to core deposits | 97.0297% | 1,591 |
| Total domestic deposits to total assets | 89.2182% | 1,640 |
| Equity capital to assets | 9.3160% | 4,701 |
| Core capital (leverage) ratio | 9.2637% | 4,181 |
| Tier 1 risk-based capital ratio | 11.7751% | 5,873 |
| Total risk-based capital ratio | 13.0304% | 5,883 |
| Memoranda: | ||
| Average total assets | $186,667,000 | 3,289 |
| Average earning assets | $180,663,000 | 3,136 |
| Average equity | $17,606,000 | 3,473 |
| Average total loans | $148,016,000 | 2,739 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 5,141 |
| Cost of funding earning assets | 1.0015% | 5,679 |
| Net interest margin | 3.8729% | 3,625 |
| Noninterest income to average assets | 0.7715% | 2,419 |
| Noninterest expense to average assets | 2.8224% | 4,514 |
| Loan and lease loss provision to assets | 1.0686% | 1,502 |
| Net operating income to assets | 0.3686% | 4,682 |
| Return on assets (ROA) | 0.3686% | 4,830 |
| Pretax return on assets | 0.5999% | 4,328 |
| Return on Equity (ROE) | 4.2502% | 4,412 |
| Retained earnings to average equity (ytd only) | 3.6439% | 3,312 |
| Net charge-offs to loans | 0.9871% | 2,210 |
| Credit loss provision to net charge-offs | 121.4465% | 3,461 |
| Earnings coverage of net charge-offs (x) | 1.8962% | 4,302 |
| Efficiency ratio | 62.8466% | 5,545 |
| Assets per employee ($millions) | 5.9204% | 1,263 |
| Cash dividends to net income (ytd only)* | 14.2643% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 3,185 |
| Loan loss allowance to noncurrent loans | 30.3343% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 4.6591% | 1,419 |
| Noncurrent loans to loans | 5.6343% | 1,155 |
| Net loans and leases to total assets | 81.0322% | 539 |
| Net loans and leases to deposits | 91.3620% | 1,346 |
| Net loans and leases to core deposits | 108.3207% | 1,024 |
| Total domestic deposits to total assets | 88.6935% | 1,828 |
| Equity capital to assets | 9.5515% | 4,339 |
| Core capital (leverage) ratio | 9.9217% | 3,177 |
| Tier 1 risk-based capital ratio | 11.3399% | 6,045 |
| Total risk-based capital ratio | 12.5950% | 6,040 |
| Memoranda: | ||
| Average total assets | $180,696,200 | 3,364 |
| Average earning assets | $173,541,200 | 3,215 |
| Average equity | $15,670,000 | 3,825 |
| Average total loans | $161,084,600 | 2,604 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 5,220 |
| Cost of funding earning assets | 1.0829% | 5,533 |
| Net interest margin | 3.8264% | 3,861 |
| Noninterest income to average assets | 0.6719% | 3,004 |
| Noninterest expense to average assets | 2.7357% | 4,742 |
| Loan and lease loss provision to assets | 0.7223% | 2,115 |
| Net operating income to assets | 0.5608% | 4,048 |
| Return on assets (ROA) | 0.5608% | 4,214 |
| Pretax return on assets | 0.8837% | 3,610 |
| Return on Equity (ROE) | 6.6380% | 3,517 |
| Retained earnings to average equity (ytd only) | 5.8049% | 2,473 |
| Net charge-offs to loans | 0.4264% | 3,587 |
| Credit loss provision to net charge-offs | 186.4245% | 1,936 |
| Earnings coverage of net charge-offs (x) | 4.1453% | 3,177 |
| Efficiency ratio | 63.0097% | 5,430 |
| Assets per employee ($millions) | 5.6160% | 1,522 |
| Cash dividends to net income (ytd only)* | 12.5492% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 3,298 |
| Loan loss allowance to noncurrent loans | 30.2728% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 5.1322% | 1,251 |
| Noncurrent loans to loans | 5.4846% | 1,208 |
| Net loans and leases to total assets | 91.7529% | 31 |
| Net loans and leases to deposits | 108.0449% | 297 |
| Net loans and leases to core deposits | 131.3859% | 360 |
| Total domestic deposits to total assets | 84.9210% | 3,651 |
| Equity capital to assets | 8.9071% | 5,695 |
| Core capital (leverage) ratio | 8.7419% | 5,119 |
| Tier 1 risk-based capital ratio | 9.5309% | 7,250 |
| Total risk-based capital ratio | 12.0923% | 6,491 |
| Memoranda: | ||
| Average total assets | $179,987,250 | 3,421 |
| Average earning assets | $172,620,500 | 3,275 |
| Average equity | $15,205,000 | 3,952 |
| Average total loans | $163,529,250 | 2,607 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 5,521 |
| Cost of funding earning assets | 1.1638% | 5,317 |
| Net interest margin | 3.7084% | 4,326 |
| Noninterest income to average assets | 0.5859% | 3,441 |
| Noninterest expense to average assets | 2.6172% | 5,256 |
| Loan and lease loss provision to assets | 0.7145% | 2,036 |
| Net operating income to assets | 0.5111% | 4,271 |
| Return on assets (ROA) | 0.5111% | 4,423 |
| Pretax return on assets | 0.8057% | 3,857 |
| Return on Equity (ROE) | 6.1572% | 3,721 |
| Retained earnings to average equity (ytd only) | 4.8993% | 2,962 |
| Net charge-offs to loans | 0.6297% | 2,653 |
| Credit loss provision to net charge-offs | 125.9690% | 3,200 |
| Earnings coverage of net charge-offs (x) | 2.6802% | 3,653 |
| Efficiency ratio | 63.2572% | 5,473 |
| Assets per employee ($millions) | 6.0919% | 1,165 |
| Cash dividends to net income (ytd only)* | 20.4301% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 4,282 |
| Loan loss allowance to noncurrent loans | 26.8480% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 4.9596% | 1,308 |
| Noncurrent loans to loans | 5.3309% | 1,258 |
| Net loans and leases to total assets | 89.6497% | 88 |
| Net loans and leases to deposits | 107.5700% | 333 |
| Net loans and leases to core deposits | 122.9196% | 602 |
| Total domestic deposits to total assets | 83.3408% | 4,420 |
| Equity capital to assets | 8.3274% | 6,390 |
| Core capital (leverage) ratio | 8.1745% | 5,989 |
| Tier 1 risk-based capital ratio | 9.5963% | 7,223 |
| Total risk-based capital ratio | 12.1901% | 6,285 |
| Memoranda: | ||
| Average total assets | $181,950,670 | 3,415 |
| Average earning assets | $174,254,330 | 3,267 |
| Average equity | $15,104,330 | 3,973 |
| Average total loans | $163,893,670 | 2,639 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9866% | 5,076 |
| Cost of funding earning assets | 1.2420% | 5,162 |
| Net interest margin | 3.7446% | 4,035 |
| Noninterest income to average assets | 0.6301% | 3,080 |
| Noninterest expense to average assets | 2.5690% | 5,482 |
| Loan and lease loss provision to assets | 0.3305% | 3,416 |
| Net operating income to assets | 0.8395% | 2,795 |
| Return on assets (ROA) | 0.8395% | 2,894 |
| Pretax return on assets | 1.3110% | 2,020 |
| Return on Equity (ROE) | 10.1283% | 2,057 |
| Retained earnings to average equity (ytd only) | 10.1283% | 1,111 |
| Net charge-offs to loans | 0.1303% | 4,184 |
| Credit loss provision to net charge-offs | 283.0189% | 1,394 |
| Earnings coverage of net charge-offs (x) | 14.0566% | 1,458 |
| Efficiency ratio | 61.0152% | 6,003 |
| Assets per employee ($millions) | 6.2441% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 4,142 |
| Loan loss allowance to noncurrent loans | 97.4615% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.4585% | 4,315 |
| Noncurrent loans to loans | 1.4952% | 4,501 |
| Net loans and leases to total assets | 87.4623% | 149 |
| Net loans and leases to deposits | 104.3114% | 512 |
| Net loans and leases to core deposits | 123.6484% | 654 |
| Total domestic deposits to total assets | 83.8473% | 4,219 |
| Equity capital to assets | 8.4135% | 6,143 |
| Core capital (leverage) ratio | 8.3846% | 5,595 |
| Tier 1 risk-based capital ratio | 9.7373% | 7,188 |
| Total risk-based capital ratio | 12.3500% | 6,033 |
| Memoranda: | ||
| Average total assets | $181,547,000 | 3,476 |
| Average earning assets | $173,585,000 | 3,344 |
| Average equity | $15,047,000 | 4,005 |
| Average total loans | $162,730,000 | 2,725 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3842% | 4,767 |
| Cost of funding earning assets | 1.5517% | 5,271 |
| Net interest margin | 3.8325% | 3,565 |
| Noninterest income to average assets | 0.5705% | 3,857 |
| Noninterest expense to average assets | 2.7677% | 5,098 |
| Loan and lease loss provision to assets | 0.7889% | 2,766 |
| Net operating income to assets | 0.3987% | 4,133 |
| Return on assets (ROA) | 0.3987% | 4,234 |
| Pretax return on assets | 0.6470% | 3,761 |
| Return on Equity (ROE) | 5.1927% | 3,584 |
| Retained earnings to average equity (ytd only) | 5.1927% | 1,722 |
| Net charge-offs to loans | 0.6347% | 3,296 |
| Credit loss provision to net charge-offs | 140.6762% | 3,453 |
| Earnings coverage of net charge-offs (x) | 2.5605% | 3,839 |
| Efficiency ratio | 65.8420% | 5,424 |
| Assets per employee ($millions) | 6.2764% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 4,421 |
| Loan loss allowance to noncurrent loans | 84.5574% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 3,717 |
| Noncurrent loans to loans | 1.6116% | 4,239 |
| Net loans and leases to total assets | 89.2768% | 118 |
| Net loans and leases to deposits | 107.6388% | 473 |
| Net loans and leases to core deposits | 142.7299% | 719 |
| Total domestic deposits to total assets | 82.9411% | 4,545 |
| Equity capital to assets | 8.1636% | 6,386 |
| Core capital (leverage) ratio | 8.1276% | 5,946 |
| Tier 1 risk-based capital ratio | 9.2488% | 7,357 |
| Total risk-based capital ratio | 11.8254% | 6,305 |
| Memoranda: | ||
| Average total assets | $174,044,400 | 3,532 |
| Average earning assets | $164,984,200 | 3,423 |
| Average equity | $13,365,000 | 4,415 |
| Average total loans | $153,773,800 | 2,864 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4254% | 4,824 |
| Cost of funding earning assets | 1.5933% | 5,429 |
| Net interest margin | 3.8321% | 3,513 |
| Noninterest income to average assets | 0.6192% | 3,552 |
| Noninterest expense to average assets | 2.7046% | 5,306 |
| Loan and lease loss provision to assets | 0.6161% | 2,926 |
| Net operating income to assets | 0.5859% | 3,650 |
| Return on assets (ROA) | 0.5859% | 3,720 |
| Pretax return on assets | 0.9237% | 3,153 |
| Return on Equity (ROE) | 7.7587% | 2,743 |
| Retained earnings to average equity (ytd only) | 7.7587% | 1,216 |
| Net charge-offs to loans | 0.3196% | 4,039 |
| Credit loss provision to net charge-offs | 219.6133% | 2,001 |
| Earnings coverage of net charge-offs (x) | 5.4890% | 2,806 |
| Efficiency ratio | 63.7210% | 5,810 |
| Assets per employee ($millions) | 6.4310% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 3,729 |
| Loan loss allowance to noncurrent loans | 92.5731% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.7105% | 3,814 |
| Noncurrent loans to loans | 1.5570% | 4,306 |
| Net loans and leases to total assets | 86.6200% | 306 |
| Net loans and leases to deposits | 104.4653% | 742 |
| Net loans and leases to core deposits | 134.3654% | 1,187 |
| Total domestic deposits to total assets | 82.9175% | 4,262 |
| Equity capital to assets | 8.2902% | 6,516 |
| Core capital (leverage) ratio | 8.2693% | 5,884 |
| Tier 1 risk-based capital ratio | 9.7792% | 7,157 |
| Total risk-based capital ratio | 12.4270% | 5,725 |
| Memoranda: | ||
| Average total assets | $172,051,500 | 3,592 |
| Average earning assets | $162,761,500 | 3,498 |
| Average equity | $12,991,500 | 4,539 |
| Average total loans | $151,031,500 | 2,933 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5231% | 4,494 |
| Cost of funding earning assets | 1.6377% | 5,570 |
| Net interest margin | 3.8854% | 3,180 |
| Noninterest income to average assets | 0.6612% | 3,256 |
| Noninterest expense to average assets | 2.8138% | 4,899 |
| Loan and lease loss provision to assets | 0.3424% | 3,882 |
| Net operating income to assets | 0.7403% | 3,089 |
| Return on assets (ROA) | 0.7403% | 3,190 |
| Pretax return on assets | 1.1607% | 2,427 |
| Return on Equity (ROE) | 10.1571% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.1571% | 705 |
| Net charge-offs to loans | 0.3203% | 3,582 |
| Credit loss provision to net charge-offs | 121.8487% | 3,814 |
| Earnings coverage of net charge-offs (x) | 5.3487% | 2,851 |
| Efficiency ratio | 65.1805% | 5,681 |
| Assets per employee ($millions) | 5.7301% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 4,443 |
| Loan loss allowance to noncurrent loans | 471.4640% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 5,742 |
| Noncurrent loans to loans | 0.2700% | 6,851 |
| Net loans and leases to total assets | 85.7076% | 403 |
| Net loans and leases to deposits | 103.2814% | 965 |
| Net loans and leases to core deposits | 129.0753% | 1,642 |
| Total domestic deposits to total assets | 82.9845% | 4,245 |
| Equity capital to assets | 7.3716% | 7,371 |
| Core capital (leverage) ratio | 7.3697% | 7,162 |
| Tier 1 risk-based capital ratio | 8.8607% | 7,765 |
| Total risk-based capital ratio | 11.6010% | 6,473 |
| Memoranda: | ||
| Average total assets | $169,379,670 | 3,658 |
| Average earning assets | $159,366,330 | 3,570 |
| Average equity | $12,346,000 | 4,727 |
| Average total loans | $148,623,670 | 3,009 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5627% | 4,564 |
| Cost of funding earning assets | 1.6794% | 5,700 |
| Net interest margin | 3.8832% | 3,120 |
| Noninterest income to average assets | 0.5401% | 3,995 |
| Noninterest expense to average assets | 2.7838% | 4,629 |
| Loan and lease loss provision to assets | 0.3331% | 3,326 |
| Net operating income to assets | 0.6805% | 3,660 |
| Return on assets (ROA) | 0.6805% | 3,843 |
| Pretax return on assets | 1.0707% | 3,096 |
| Return on Equity (ROE) | 9.3901% | 2,574 |
| Retained earnings to average equity (ytd only) | 9.3901% | 1,373 |
| Net charge-offs to loans | 0.3776% | 2,585 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 4.2143% | 2,943 |
| Efficiency ratio | 66.4773% | 5,236 |
| Assets per employee ($millions) | 5.7181% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 4,430 |
| Loan loss allowance to noncurrent loans | 280.4249% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 5,215 |
| Noncurrent loans to loans | 0.4460% | 6,309 |
| Net loans and leases to total assets | 85.0667% | 541 |
| Net loans and leases to deposits | 100.6123% | 1,326 |
| Net loans and leases to core deposits | 122.1516% | 2,239 |
| Total domestic deposits to total assets | 84.5491% | 3,436 |
| Equity capital to assets | 7.1842% | 7,577 |
| Core capital (leverage) ratio | 7.2122% | 7,466 |
| Tier 1 risk-based capital ratio | 8.6346% | 7,919 |
| Total risk-based capital ratio | 11.3759% | 6,698 |
| Memoranda: | ||
| Average total assets | $168,118,500 | 3,688 |
| Average earning assets | $157,909,000 | 3,614 |
| Average equity | $12,183,000 | 4,793 |
| Average total loans | $148,319,000 | 3,034 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4683% | 3,126 |
| Cost of funding earning assets | 2.6139% | 3,617 |
| Net interest margin | 3.8543% | 3,775 |
| Noninterest income to average assets | 0.5362% | 4,349 |
| Noninterest expense to average assets | 2.8690% | 4,540 |
| Loan and lease loss provision to assets | 0.8586% | 1,738 |
| Net operating income to assets | 0.2554% | 5,692 |
| Return on assets (ROA) | 0.2547% | 5,508 |
| Pretax return on assets | 0.4264% | 5,186 |
| Return on Equity (ROE) | 3.5731% | 5,007 |
| Retained earnings to average equity (ytd only) | 0.1967% | 5,116 |
| Net charge-offs to loans | 0.7299% | 1,694 |
| Credit loss provision to net charge-offs | 128.0488% | 4,162 |
| Earnings coverage of net charge-offs (x) | 1.9181% | 5,108 |
| Efficiency ratio | 69.0469% | 4,521 |
| Assets per employee ($millions) | 5.3127% | 1,630 |
| Cash dividends to net income (ytd only)* | 94.4954% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 4,224 |
| Loan loss allowance to noncurrent loans | 147.0167% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8003% | 4,853 |
| Noncurrent loans to loans | 0.8444% | 4,940 |
| Net loans and leases to total assets | 89.2662% | 252 |
| Net loans and leases to deposits | 103.9724% | 1,344 |
| Net loans and leases to core deposits | 121.0367% | 2,599 |
| Total domestic deposits to total assets | 85.8556% | 2,469 |
| Equity capital to assets | 7.3117% | 7,545 |
| Core capital (leverage) ratio | 7.5423% | 7,151 |
| Tier 1 risk-based capital ratio | 8.4954% | 7,991 |
| Total risk-based capital ratio | 11.2483% | 6,619 |
| Memoranda: | ||
| Average total assets | $171,210,400 | 3,535 |
| Average earning assets | $160,754,400 | 3,456 |
| Average equity | $12,202,200 | 4,779 |
| Average total loans | $157,282,800 | 2,817 |