Home > Evergreen Bank Group > Performance and Condition Ratios
Evergreen Bank Group, 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 | 7.7491% | 163 |
| Cost of funding earning assets | 3.3668% | 152 |
| Net interest margin | 4.3823% | 764 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 2.5700% | 2,104 |
| Loan and lease loss provision to assets | 0.8600% | 101 |
| Net operating income to assets | 0.8203% | 2,791 |
| Return on assets (ROA) | 0.8203% | 2,793 |
| Pretax return on assets | 1.0780% | 2,553 |
| Return on Equity (ROE) | 7.4300% | 3,017 |
| Retained earnings to average equity (ytd only) | -11.1346% | 4,276 |
| Net charge-offs to loans | 1.1972% | 124 |
| Credit loss provision to net charge-offs | 85.0293% | 1,371 |
| Earnings coverage of net charge-offs (x) | 1.9208% | 2,098 |
| Efficiency ratio | 57.0583% | 3,297 |
| Assets per employee ($millions) | 7.4534% | 1,913 |
| Cash dividends to net income (ytd only)* | 249.8289% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 673 |
| Loan loss allowance to noncurrent loans | 513.4542% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 2,154 |
| Noncurrent loans to loans | 0.3283% | 2,326 |
| Net loans and leases to total assets | 83.7200% | 264 |
| Net loans and leases to deposits | 96.6455% | 580 |
| Net loans and leases to core deposits | 125.9943% | 403 |
| Total domestic deposits to total assets | 86.6200% | 2,078 |
| Equity capital to assets | 11.1172% | 1,602 |
| Core capital (leverage) ratio | 11.4487% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2107% | 1,778 |
| Memoranda: | ||
| Average total assets | $1,424,885,500 | 771 |
| Average earning assets | $1,379,824,000 | 740 |
| Average equity | $157,275,500 | 712 |
| Average total loans | $1,198,414,500 | 675 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5568% | 225 |
| Cost of funding earning assets | 3.6867% | 135 |
| Net interest margin | 3.8701% | 1,398 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 2.5335% | 2,211 |
| Loan and lease loss provision to assets | 0.7700% | 107 |
| Net operating income to assets | 0.4843% | 3,519 |
| Return on assets (ROA) | 0.4988% | 3,488 |
| Pretax return on assets | 0.6467% | 3,377 |
| Return on Equity (ROE) | 4.7200% | 3,564 |
| Retained earnings to average equity (ytd only) | 3.9503% | 2,652 |
| Net charge-offs to loans | 0.9659% | 156 |
| Credit loss provision to net charge-offs | 96.4728% | 1,960 |
| Earnings coverage of net charge-offs (x) | 1.7507% | 2,875 |
| Efficiency ratio | 64.4190% | 2,688 |
| Assets per employee ($millions) | 7.7878% | 1,659 |
| Cash dividends to net income (ytd only)* | 16.3043% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 623 |
| Loan loss allowance to noncurrent loans | 487.6949% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 2,065 |
| Noncurrent loans to loans | 0.3518% | 2,206 |
| Net loans and leases to total assets | 81.6700% | 474 |
| Net loans and leases to deposits | 95.1076% | 776 |
| Net loans and leases to core deposits | 127.2298% | 419 |
| Total domestic deposits to total assets | 85.8700% | 2,259 |
| Equity capital to assets | 10.9609% | 1,603 |
| Core capital (leverage) ratio | 11.3781% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4166% | 1,706 |
| Memoranda: | ||
| Average total assets | $1,475,567,000 | 743 |
| Average earning assets | $1,430,734,600 | 705 |
| Average equity | $155,936,000 | 693 |
| Average total loans | $1,221,008,800 | 662 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4476% | 248 |
| Cost of funding earning assets | 3.6951% | 142 |
| Net interest margin | 3.7526% | 1,539 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 2.5597% | 2,066 |
| Loan and lease loss provision to assets | 0.7300% | 101 |
| Net operating income to assets | 0.3981% | 3,682 |
| Return on assets (ROA) | 0.3981% | 3,713 |
| Pretax return on assets | 0.5169% | 3,619 |
| Return on Equity (ROE) | 3.8000% | 3,758 |
| Retained earnings to average equity (ytd only) | 3.0286% | 3,166 |
| Net charge-offs to loans | 0.8617% | 162 |
| Credit loss provision to net charge-offs | 101.7932% | 1,644 |
| Earnings coverage of net charge-offs (x) | 1.7454% | 2,640 |
| Efficiency ratio | 67.3084% | 2,341 |
| Assets per employee ($millions) | 8.0218% | 1,497 |
| Cash dividends to net income (ytd only)* | 20.3344% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 627 |
| Loan loss allowance to noncurrent loans | 537.2941% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 2,163 |
| Noncurrent loans to loans | 0.3212% | 2,312 |
| Net loans and leases to total assets | 81.8100% | 427 |
| Net loans and leases to deposits | 95.0618% | 781 |
| Net loans and leases to core deposits | 128.2528% | 422 |
| Total domestic deposits to total assets | 86.0600% | 1,908 |
| Equity capital to assets | 10.8178% | 1,823 |
| Core capital (leverage) ratio | 11.2602% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9326% | 1,924 |
| Memoranda: | ||
| Average total assets | $1,482,326,750 | 731 |
| Average earning assets | $1,437,339,750 | 697 |
| Average equity | $155,227,000 | 690 |
| Average total loans | $1,225,355,000 | 651 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3302% | 266 |
| Cost of funding earning assets | 3.6716% | 131 |
| Net interest margin | 3.6586% | 1,673 |
| Noninterest income to average assets | 0.1500% | 3,984 |
| Noninterest expense to average assets | 2.5476% | 2,104 |
| Loan and lease loss provision to assets | 0.7800% | 97 |
| Net operating income to assets | 0.2894% | 3,860 |
| Return on assets (ROA) | 0.2894% | 3,898 |
| Pretax return on assets | 0.3719% | 3,850 |
| Return on Equity (ROE) | 2.7900% | 3,911 |
| Retained earnings to average equity (ytd only) | 2.0137% | 3,345 |
| Net charge-offs to loans | 0.8333% | 159 |
| Credit loss provision to net charge-offs | 112.6642% | 1,395 |
| Earnings coverage of net charge-offs (x) | 1.6732% | 2,452 |
| Efficiency ratio | 68.9003% | 2,226 |
| Assets per employee ($millions) | 7.7870% | 1,569 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 579 |
| Loan loss allowance to noncurrent loans | 650.6143% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 2,261 |
| Noncurrent loans to loans | 0.2734% | 2,395 |
| Net loans and leases to total assets | 82.3300% | 445 |
| Net loans and leases to deposits | 95.6549% | 823 |
| Net loans and leases to core deposits | 127.0802% | 469 |
| Total domestic deposits to total assets | 86.0700% | 1,958 |
| Equity capital to assets | 10.6109% | 1,744 |
| Core capital (leverage) ratio | 11.0284% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8095% | 1,961 |
| Memoranda: | ||
| Average total assets | $1,484,434,000 | 736 |
| Average earning assets | $1,438,376,667 | 700 |
| Average equity | $153,745,333 | 690 |
| Average total loans | $1,224,216,333 | 653 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2155% | 269 |
| Cost of funding earning assets | 3.6481% | 125 |
| Net interest margin | 3.5674% | 1,778 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 2.5366% | 2,142 |
| Loan and lease loss provision to assets | 0.8300% | 100 |
| Net operating income to assets | 0.2039% | 3,967 |
| Return on assets (ROA) | 0.2039% | 4,008 |
| Pretax return on assets | 0.2586% | 3,964 |
| Return on Equity (ROE) | 1.9900% | 4,012 |
| Retained earnings to average equity (ytd only) | 1.2102% | 3,440 |
| Net charge-offs to loans | 0.9148% | 107 |
| Credit loss provision to net charge-offs | 109.1655% | 1,097 |
| Earnings coverage of net charge-offs (x) | 1.4511% | 2,051 |
| Efficiency ratio | 70.0192% | 2,149 |
| Assets per employee ($millions) | 7.8607% | 1,538 |
| Cash dividends to net income (ytd only)* | 39.2670% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7541% | 591 |
| Loan loss allowance to noncurrent loans | 567.9808% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 2,114 |
| Noncurrent loans to loans | 0.3088% | 2,210 |
| Net loans and leases to total assets | 79.9600% | 623 |
| Net loans and leases to deposits | 92.3326% | 1,010 |
| Net loans and leases to core deposits | 123.1769% | 539 |
| Total domestic deposits to total assets | 86.6000% | 1,905 |
| Equity capital to assets | 10.2511% | 1,864 |
| Core capital (leverage) ratio | 10.7373% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8230% | 1,946 |
| Memoranda: | ||
| Average total assets | $1,498,562,000 | 738 |
| Average earning assets | $1,452,041,500 | 701 |
| Average equity | $153,361,500 | 699 |
| Average total loans | $1,226,048,000 | 652 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8403% | 256 |
| Cost of funding earning assets | 2.8358% | 197 |
| Net interest margin | 4.0045% | 1,200 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.5515% | 2,152 |
| Loan and lease loss provision to assets | 0.7900% | 91 |
| Net operating income to assets | 0.5210% | 3,626 |
| Return on assets (ROA) | 0.5212% | 3,613 |
| Pretax return on assets | 0.6786% | 3,481 |
| Return on Equity (ROE) | 5.1100% | 3,704 |
| Retained earnings to average equity (ytd only) | 4.4140% | 2,826 |
| Net charge-offs to loans | 0.9681% | 109 |
| Credit loss provision to net charge-offs | 98.1915% | 1,869 |
| Earnings coverage of net charge-offs (x) | 1.8295% | 2,740 |
| Efficiency ratio | 63.5169% | 2,668 |
| Assets per employee ($millions) | 7.8722% | 1,505 |
| Cash dividends to net income (ytd only)* | 13.7004% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 653 |
| Loan loss allowance to noncurrent loans | 174.8278% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8013% | 639 |
| Noncurrent loans to loans | 0.9744% | 761 |
| Net loans and leases to total assets | 80.8400% | 552 |
| Net loans and leases to deposits | 93.4411% | 982 |
| Net loans and leases to core deposits | 124.9552% | 510 |
| Total domestic deposits to total assets | 86.5100% | 1,856 |
| Equity capital to assets | 10.2168% | 1,886 |
| Core capital (leverage) ratio | 10.5795% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6150% | 2,024 |
| Memoranda: | ||
| Average total assets | $1,470,332,800 | 725 |
| Average earning assets | $1,421,909,600 | 692 |
| Average equity | $149,840,200 | 671 |
| Average total loans | $1,216,600,400 | 623 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6841% | 253 |
| Cost of funding earning assets | 2.5948% | 239 |
| Net interest margin | 4.0892% | 1,085 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.6036% | 1,932 |
| Loan and lease loss provision to assets | 0.5600% | 135 |
| Net operating income to assets | 0.7186% | 3,265 |
| Return on assets (ROA) | 0.7189% | 3,246 |
| Pretax return on assets | 0.9328% | 3,027 |
| Return on Equity (ROE) | 7.0600% | 3,409 |
| Retained earnings to average equity (ytd only) | 6.3873% | 2,505 |
| Net charge-offs to loans | 0.9617% | 95 |
| Credit loss provision to net charge-offs | 70.5458% | 1,807 |
| Earnings coverage of net charge-offs (x) | 1.8765% | 2,509 |
| Efficiency ratio | 63.5156% | 2,557 |
| Assets per employee ($millions) | 7.8162% | 1,443 |
| Cash dividends to net income (ytd only)* | 9.5141% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,126 |
| Loan loss allowance to noncurrent loans | 740.1662% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 767 |
| Noncurrent loans to loans | 0.2019% | 2,548 |
| Net loans and leases to total assets | 80.9000% | 554 |
| Net loans and leases to deposits | 92.7673% | 990 |
| Net loans and leases to core deposits | 126.2400% | 413 |
| Total domestic deposits to total assets | 87.2100% | 1,827 |
| Equity capital to assets | 9.8131% | 1,934 |
| Core capital (leverage) ratio | 10.6270% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4065% | 2,113 |
| Memoranda: | ||
| Average total assets | $1,462,018,000 | 731 |
| Average earning assets | $1,412,979,250 | 699 |
| Average equity | $148,895,500 | 674 |
| Average total loans | $1,211,621,250 | 622 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4642% | 270 |
| Cost of funding earning assets | 2.2651% | 300 |
| Net interest margin | 4.1991% | 934 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.6361% | 1,837 |
| Loan and lease loss provision to assets | 0.5400% | 133 |
| Net operating income to assets | 0.7984% | 3,086 |
| Return on assets (ROA) | 0.7989% | 3,088 |
| Pretax return on assets | 1.0381% | 2,807 |
| Return on Equity (ROE) | 7.7400% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.1392% | 2,240 |
| Net charge-offs to loans | 0.6157% | 136 |
| Credit loss provision to net charge-offs | 104.7709% | 1,409 |
| Earnings coverage of net charge-offs (x) | 3.0773% | 2,279 |
| Efficiency ratio | 62.5951% | 2,637 |
| Assets per employee ($millions) | 7.9341% | 1,348 |
| Cash dividends to net income (ytd only)* | 7.8166% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 704 |
| Loan loss allowance to noncurrent loans | 166.5554% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.8590% | 582 |
| Noncurrent loans to loans | 1.0366% | 718 |
| Net loans and leases to total assets | 81.4400% | 478 |
| Net loans and leases to deposits | 93.9204% | 872 |
| Net loans and leases to core deposits | 129.6229% | 335 |
| Total domestic deposits to total assets | 86.7100% | 2,019 |
| Equity capital to assets | 10.0591% | 1,820 |
| Core capital (leverage) ratio | 11.0000% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3626% | 2,149 |
| Memoranda: | ||
| Average total assets | $1,441,301,333 | 724 |
| Average earning assets | $1,396,149,667 | 697 |
| Average equity | $148,671,333 | 673 |
| Average total loans | $1,198,241,667 | 616 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2939% | 223 |
| Cost of funding earning assets | 1.9871% | 302 |
| Net interest margin | 4.3068% | 794 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.6376% | 1,849 |
| Loan and lease loss provision to assets | 0.5300% | 137 |
| Net operating income to assets | 0.8670% | 2,970 |
| Return on assets (ROA) | 0.8670% | 2,919 |
| Pretax return on assets | 1.1279% | 2,635 |
| Return on Equity (ROE) | 8.3000% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.7541% | 2,301 |
| Net charge-offs to loans | 0.6534% | 122 |
| Credit loss provision to net charge-offs | 97.6054% | 1,150 |
| Earnings coverage of net charge-offs (x) | 3.0489% | 1,902 |
| Efficiency ratio | 61.3884% | 2,765 |
| Assets per employee ($millions) | 7.4600% | 1,648 |
| Cash dividends to net income (ytd only)* | 6.5338% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 648 |
| Loan loss allowance to noncurrent loans | 163.7135% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.9247% | 469 |
| Noncurrent loans to loans | 1.1069% | 643 |
| Net loans and leases to total assets | 82.0300% | 376 |
| Net loans and leases to deposits | 95.4092% | 689 |
| Net loans and leases to core deposits | 136.6844% | 209 |
| Total domestic deposits to total assets | 85.9700% | 2,599 |
| Equity capital to assets | 10.6663% | 1,477 |
| Core capital (leverage) ratio | 11.1505% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9528% | 1,987 |
| Memoranda: | ||
| Average total assets | $1,412,181,000 | 754 |
| Average earning assets | $1,368,624,500 | 716 |
| Average equity | $147,586,500 | 687 |
| Average total loans | $1,176,053,500 | 634 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6694% | 126 |
| Cost of funding earning assets | 0.7968% | 387 |
| Net interest margin | 4.8726% | 160 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.6495% | 1,679 |
| Loan and lease loss provision to assets | 0.4000% | 177 |
| Net operating income to assets | 1.3870% | 1,165 |
| Return on assets (ROA) | 1.3874% | 1,111 |
| Pretax return on assets | 1.8302% | 680 |
| Return on Equity (ROE) | 11.9900% | 2,141 |
| Retained earnings to average equity (ytd only) | -3.3458% | 4,534 |
| Net charge-offs to loans | 0.3775% | 199 |
| Credit loss provision to net charge-offs | 129.4322% | 1,410 |
| Earnings coverage of net charge-offs (x) | 7.1870% | 2,310 |
| Efficiency ratio | 54.2816% | 3,774 |
| Assets per employee ($millions) | 7.4836% | 1,628 |
| Cash dividends to net income (ytd only)* | 127.9063% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 845 |
| Loan loss allowance to noncurrent loans | 146.4599% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.9457% | 458 |
| Noncurrent loans to loans | 1.1390% | 628 |
| Net loans and leases to total assets | 81.6400% | 443 |
| Net loans and leases to deposits | 94.4377% | 753 |
| Net loans and leases to core deposits | 132.3552% | 204 |
| Total domestic deposits to total assets | 86.4500% | 2,587 |
| Equity capital to assets | 10.2385% | 1,592 |
| Core capital (leverage) ratio | 10.7606% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6489% | 2,108 |
| Memoranda: | ||
| Average total assets | $1,298,897,600 | 790 |
| Average earning assets | $1,257,850,200 | 752 |
| Average equity | $150,307,000 | 678 |
| Average total loans | $1,068,286,600 | 647 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 119 |
| Cost of funding earning assets | 0.5178% | 688 |
| Net interest margin | 4.9257% | 132 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.6622% | 1,558 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.5988% | 660 |
| Return on assets (ROA) | 1.5993% | 639 |
| Pretax return on assets | 2.1047% | 376 |
| Return on Equity (ROE) | 13.3900% | 1,589 |
| Retained earnings to average equity (ytd only) | -6.2384% | 4,629 |
| Net charge-offs to loans | 0.3330% | 194 |
| Credit loss provision to net charge-offs | 64.4727% | 1,473 |
| Earnings coverage of net charge-offs (x) | 8.3476% | 2,047 |
| Efficiency ratio | 53.8653% | 3,831 |
| Assets per employee ($millions) | 7.8464% | 1,405 |
| Cash dividends to net income (ytd only)* | 146.5948% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,278 |
| Loan loss allowance to noncurrent loans | 869.1547% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 2,594 |
| Noncurrent loans to loans | 0.1730% | 2,728 |
| Net loans and leases to total assets | 82.4900% | 353 |
| Net loans and leases to deposits | 95.6299% | 570 |
| Net loans and leases to core deposits | 129.0951% | 158 |
| Total domestic deposits to total assets | 86.2600% | 2,999 |
| Equity capital to assets | 10.1981% | 1,526 |
| Core capital (leverage) ratio | 11.5672% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6162% | 2,210 |
| Memoranda: | ||
| Average total assets | $1,268,153,250 | 812 |
| Average earning assets | $1,227,507,750 | 779 |
| Average equity | $151,489,000 | 681 |
| Average total loans | $1,040,238,250 | 657 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3320% | 115 |
| Cost of funding earning assets | 0.3512% | 1,246 |
| Net interest margin | 4.9808% | 107 |
| Noninterest income to average assets | 0.1779% | 4,115 |
| Noninterest expense to average assets | 2.6597% | 1,484 |
| Loan and lease loss provision to assets | 0.0898% | 1,101 |
| Net operating income to assets | 1.7078% | 421 |
| Return on assets (ROA) | 1.7078% | 414 |
| Pretax return on assets | 2.2482% | 228 |
| Return on Equity (ROE) | 13.5436% | 1,226 |
| Retained earnings to average equity (ytd only) | -14.3514% | 4,700 |
| Net charge-offs to loans | 0.2979% | 232 |
| Credit loss provision to net charge-offs | 37.0370% | 1,543 |
| Earnings coverage of net charge-offs (x) | 9.6458% | 1,779 |
| Efficiency ratio | 53.2186% | 4,032 |
| Assets per employee ($millions) | 6.9905% | 1,946 |
| Cash dividends to net income (ytd only)* | 205.9639% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 1,040 |
| Loan loss allowance to noncurrent loans | 1,121.3146% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 2,845 |
| Noncurrent loans to loans | 0.1478% | 2,959 |
| Net loans and leases to total assets | 81.9713% | 288 |
| Net loans and leases to deposits | 96.3168% | 417 |
| Net loans and leases to core deposits | 121.7469% | 184 |
| Total domestic deposits to total assets | 85.1059% | 3,462 |
| Equity capital to assets | 11.1021% | 1,167 |
| Core capital (leverage) ratio | 12.4152% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4958% | 1,867 |
| Memoranda: | ||
| Average total assets | $1,225,318,667 | 838 |
| Average earning assets | $1,185,709,667 | 804 |
| Average equity | $154,508,000 | 678 |
| Average total loans | $997,086,000 | 675 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 113 |
| Cost of funding earning assets | 0.3365% | 1,316 |
| Net interest margin | 4.9515% | 99 |
| Noninterest income to average assets | 0.1764% | 4,119 |
| Noninterest expense to average assets | 2.6749% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7440% | 371 |
| Return on assets (ROA) | 1.7440% | 374 |
| Pretax return on assets | 2.2965% | 228 |
| Return on Equity (ROE) | 13.0075% | 1,033 |
| Retained earnings to average equity (ytd only) | 10.8975% | 800 |
| Net charge-offs to loans | 0.3021% | 212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 9.4650% | 1,483 |
| Efficiency ratio | 53.8060% | 4,069 |
| Assets per employee ($millions) | 6.8213% | 2,124 |
| Cash dividends to net income (ytd only)* | 16.2214% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 806 |
| Loan loss allowance to noncurrent loans | 1,281.6871% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 3,007 |
| Noncurrent loans to loans | 0.1444% | 3,084 |
| Net loans and leases to total assets | 78.0803% | 369 |
| Net loans and leases to deposits | 94.0415% | 362 |
| Net loans and leases to core deposits | 112.0181% | 220 |
| Total domestic deposits to total assets | 83.0275% | 3,934 |
| Equity capital to assets | 13.3549% | 630 |
| Core capital (leverage) ratio | 13.6116% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3949% | 1,170 |
| Memoranda: | ||
| Average total assets | $1,201,844,000 | 858 |
| Average earning assets | $1,163,842,500 | 824 |
| Average equity | $161,137,500 | 674 |
| Average total loans | $965,396,500 | 685 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6131% | 119 |
| Cost of funding earning assets | 0.5325% | 779 |
| Net interest margin | 5.0807% | 127 |
| Noninterest income to average assets | 0.2446% | 3,909 |
| Noninterest expense to average assets | 2.3580% | 2,628 |
| Loan and lease loss provision to assets | 0.0267% | 2,524 |
| Net operating income to assets | 2.1403% | 270 |
| Return on assets (ROA) | 2.1448% | 285 |
| Pretax return on assets | 2.8018% | 182 |
| Return on Equity (ROE) | 17.5389% | 510 |
| Retained earnings to average equity (ytd only) | 17.0346% | 120 |
| Net charge-offs to loans | 0.2725% | 330 |
| Credit loss provision to net charge-offs | 12.1269% | 2,298 |
| Earnings coverage of net charge-offs (x) | 12.8101% | 2,100 |
| Efficiency ratio | 45.5141% | 4,518 |
| Assets per employee ($millions) | 6.8754% | 2,016 |
| Cash dividends to net income (ytd only)* | 2.8753% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9073% | 717 |
| Loan loss allowance to noncurrent loans | 1,053.2726% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 2,913 |
| Noncurrent loans to loans | 0.1811% | 3,038 |
| Net loans and leases to total assets | 79.5601% | 287 |
| Net loans and leases to deposits | 95.4982% | 333 |
| Net loans and leases to core deposits | 116.7522% | 194 |
| Total domestic deposits to total assets | 83.3105% | 3,739 |
| Equity capital to assets | 13.4606% | 775 |
| Core capital (leverage) ratio | 13.2326% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8692% | 1,294 |
| Memoranda: | ||
| Average total assets | $1,216,176,600 | 817 |
| Average earning assets | $1,181,619,400 | 789 |
| Average equity | $148,720,600 | 722 |
| Average total loans | $983,623,800 | 667 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6532% | 126 |
| Cost of funding earning assets | 0.5814% | 699 |
| Net interest margin | 5.0718% | 145 |
| Noninterest income to average assets | 0.2670% | 3,810 |
| Noninterest expense to average assets | 2.3577% | 2,572 |
| Loan and lease loss provision to assets | 0.0573% | 1,842 |
| Net operating income to assets | 2.1128% | 383 |
| Return on assets (ROA) | 2.1172% | 402 |
| Pretax return on assets | 2.7861% | 233 |
| Return on Equity (ROE) | 17.7516% | 654 |
| Retained earnings to average equity (ytd only) | 17.7516% | 206 |
| Net charge-offs to loans | 0.2584% | 315 |
| Credit loss provision to net charge-offs | 27.4438% | 1,963 |
| Earnings coverage of net charge-offs (x) | 13.5865% | 1,918 |
| Efficiency ratio | 45.3798% | 4,528 |
| Assets per employee ($millions) | 7.1908% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9918% | 641 |
| Loan loss allowance to noncurrent loans | 1,086.0569% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 3,127 |
| Noncurrent loans to loans | 0.1834% | 3,209 |
| Net loans and leases to total assets | 78.8470% | 354 |
| Net loans and leases to deposits | 93.9276% | 420 |
| Net loans and leases to core deposits | 114.9487% | 241 |
| Total domestic deposits to total assets | 83.9445% | 3,470 |
| Equity capital to assets | 12.8255% | 1,043 |
| Core capital (leverage) ratio | 12.7601% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1838% | 1,575 |
| Memoranda: | ||
| Average total assets | $1,221,142,750 | 825 |
| Average earning assets | $1,186,663,750 | 788 |
| Average equity | $145,643,000 | 750 |
| Average total loans | $986,956,500 | 678 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6534% | 139 |
| Cost of funding earning assets | 0.6492% | 577 |
| Net interest margin | 5.0041% | 167 |
| Noninterest income to average assets | 0.1925% | 4,236 |
| Noninterest expense to average assets | 2.3275% | 2,685 |
| Loan and lease loss provision to assets | 0.1676% | 697 |
| Net operating income to assets | 1.9278% | 558 |
| Return on assets (ROA) | 1.9344% | 574 |
| Pretax return on assets | 2.5681% | 317 |
| Return on Equity (ROE) | 16.6342% | 835 |
| Retained earnings to average equity (ytd only) | 16.6342% | 293 |
| Net charge-offs to loans | 0.2281% | 382 |
| Credit loss provision to net charge-offs | 90.7883% | 1,431 |
| Earnings coverage of net charge-offs (x) | 14.7733% | 1,650 |
| Efficiency ratio | 46.0454% | 4,512 |
| Assets per employee ($millions) | 7.1064% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0782% | 525 |
| Loan loss allowance to noncurrent loans | 1,122.0000% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 3,238 |
| Noncurrent loans to loans | 0.1852% | 3,303 |
| Net loans and leases to total assets | 80.4844% | 286 |
| Net loans and leases to deposits | 95.0215% | 421 |
| Net loans and leases to core deposits | 117.8088% | 242 |
| Total domestic deposits to total assets | 84.7013% | 3,218 |
| Equity capital to assets | 12.2002% | 1,271 |
| Core capital (leverage) ratio | 12.2388% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2896% | 1,873 |
| Memoranda: | ||
| Average total assets | $1,223,107,000 | 819 |
| Average earning assets | $1,188,460,333 | 780 |
| Average equity | $142,236,667 | 760 |
| Average total loans | $990,055,000 | 677 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6082% | 171 |
| Cost of funding earning assets | 0.7307% | 489 |
| Net interest margin | 4.8775% | 220 |
| Noninterest income to average assets | 0.1900% | 4,248 |
| Noninterest expense to average assets | 2.3099% | 2,755 |
| Loan and lease loss provision to assets | 0.1956% | 624 |
| Net operating income to assets | 1.8190% | 758 |
| Return on assets (ROA) | 1.8190% | 811 |
| Pretax return on assets | 2.4240% | 502 |
| Return on Equity (ROE) | 16.0313% | 1,008 |
| Retained earnings to average equity (ytd only) | 16.0313% | 516 |
| Net charge-offs to loans | 0.3413% | 244 |
| Credit loss provision to net charge-offs | 71.3436% | 1,244 |
| Earnings coverage of net charge-offs (x) | 9.5553% | 1,535 |
| Efficiency ratio | 46.8589% | 4,417 |
| Assets per employee ($millions) | 7.3391% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1101% | 489 |
| Loan loss allowance to noncurrent loans | 970.3529% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 3,292 |
| Noncurrent loans to loans | 0.2175% | 3,325 |
| Net loans and leases to total assets | 78.9947% | 399 |
| Net loans and leases to deposits | 93.9934% | 494 |
| Net loans and leases to core deposits | 117.3576% | 273 |
| Total domestic deposits to total assets | 84.0428% | 3,422 |
| Equity capital to assets | 11.6923% | 1,441 |
| Core capital (leverage) ratio | 11.5883% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0645% | 1,881 |
| Memoranda: | ||
| Average total assets | $1,227,066,000 | 805 |
| Average earning assets | $1,192,323,500 | 775 |
| Average equity | $139,227,500 | 768 |
| Average total loans | $985,685,000 | 683 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9844% | 96 |
| Cost of funding earning assets | 1.2513% | 221 |
| Net interest margin | 4.7331% | 201 |
| Noninterest income to average assets | 0.1761% | 4,406 |
| Noninterest expense to average assets | 2.1671% | 3,764 |
| Loan and lease loss provision to assets | 1.1441% | 63 |
| Net operating income to assets | 1.1111% | 1,883 |
| Return on assets (ROA) | 1.1223% | 1,950 |
| Pretax return on assets | 1.4887% | 1,367 |
| Return on Equity (ROE) | 10.5088% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.5088% | 493 |
| Net charge-offs to loans | 0.4265% | 392 |
| Credit loss provision to net charge-offs | 329.8529% | 1,642 |
| Earnings coverage of net charge-offs (x) | 7.5494% | 2,686 |
| Efficiency ratio | 45.2830% | 4,742 |
| Assets per employee ($millions) | 7.7216% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0984% | 490 |
| Loan loss allowance to noncurrent loans | 827.4891% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 3,276 |
| Noncurrent loans to loans | 0.2536% | 3,284 |
| Net loans and leases to total assets | 78.2912% | 581 |
| Net loans and leases to deposits | 92.5189% | 747 |
| Net loans and leases to core deposits | 117.6512% | 346 |
| Total domestic deposits to total assets | 84.6218% | 2,907 |
| Equity capital to assets | 11.0094% | 2,245 |
| Core capital (leverage) ratio | 10.8710% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3327% | 2,110 |
| Memoranda: | ||
| Average total assets | $1,214,907,600 | 742 |
| Average earning assets | $1,183,179,200 | 712 |
| Average equity | $129,748,000 | 771 |
| Average total loans | $987,960,800 | 652 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0110% | 109 |
| Cost of funding earning assets | 1.3482% | 194 |
| Net interest margin | 4.6628% | 280 |
| Noninterest income to average assets | 0.1762% | 4,410 |
| Noninterest expense to average assets | 2.1599% | 3,780 |
| Loan and lease loss provision to assets | 0.9162% | 169 |
| Net operating income to assets | 1.2222% | 1,574 |
| Return on assets (ROA) | 1.2337% | 1,659 |
| Pretax return on assets | 1.6579% | 1,050 |
| Return on Equity (ROE) | 11.6443% | 1,464 |
| Retained earnings to average equity (ytd only) | 11.6443% | 479 |
| Net charge-offs to loans | 0.4494% | 346 |
| Credit loss provision to net charge-offs | 249.6241% | 1,927 |
| Earnings coverage of net charge-offs (x) | 6.9735% | 2,612 |
| Efficiency ratio | 45.7665% | 4,727 |
| Assets per employee ($millions) | 7.9320% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 1,202 |
| Loan loss allowance to noncurrent loans | 753.6164% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 3,573 |
| Noncurrent loans to loans | 0.2072% | 3,554 |
| Net loans and leases to total assets | 80.7211% | 547 |
| Net loans and leases to deposits | 94.9526% | 846 |
| Net loans and leases to core deposits | 121.0103% | 391 |
| Total domestic deposits to total assets | 85.0120% | 2,431 |
| Equity capital to assets | 10.6367% | 2,680 |
| Core capital (leverage) ratio | 10.6103% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5965% | 2,369 |
| Memoranda: | ||
| Average total assets | $1,207,840,000 | 740 |
| Average earning assets | $1,176,883,500 | 703 |
| Average equity | $127,968,250 | 766 |
| Average total loans | $986,411,000 | 640 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0144% | 146 |
| Cost of funding earning assets | 1.4465% | 193 |
| Net interest margin | 4.5679% | 434 |
| Noninterest income to average assets | 0.1773% | 4,404 |
| Noninterest expense to average assets | 2.1117% | 4,001 |
| Loan and lease loss provision to assets | 0.9327% | 230 |
| Net operating income to assets | 1.1727% | 1,717 |
| Return on assets (ROA) | 1.1902% | 1,798 |
| Pretax return on assets | 1.6051% | 1,211 |
| Return on Equity (ROE) | 11.2495% | 1,559 |
| Retained earnings to average equity (ytd only) | 11.2495% | 571 |
| Net charge-offs to loans | 0.5329% | 296 |
| Credit loss provision to net charge-offs | 214.6172% | 1,855 |
| Earnings coverage of net charge-offs (x) | 5.7885% | 2,489 |
| Efficiency ratio | 45.6345% | 4,746 |
| Assets per employee ($millions) | 8.0243% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,671 |
| Loan loss allowance to noncurrent loans | 621.7678% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 3,629 |
| Noncurrent loans to loans | 0.2212% | 3,586 |
| Net loans and leases to total assets | 80.4846% | 543 |
| Net loans and leases to deposits | 94.7433% | 894 |
| Net loans and leases to core deposits | 121.6176% | 385 |
| Total domestic deposits to total assets | 84.9502% | 2,420 |
| Equity capital to assets | 10.3105% | 2,918 |
| Core capital (leverage) ratio | 10.5178% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2497% | 2,500 |
| Memoranda: | ||
| Average total assets | $1,190,055,667 | 734 |
| Average earning assets | $1,159,342,333 | 696 |
| Average equity | $125,908,000 | 768 |
| Average total loans | $970,481,667 | 638 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0410% | 155 |
| Cost of funding earning assets | 1.5736% | 208 |
| Net interest margin | 4.4674% | 545 |
| Noninterest income to average assets | 0.1707% | 4,511 |
| Noninterest expense to average assets | 2.1382% | 4,140 |
| Loan and lease loss provision to assets | 0.9453% | 233 |
| Net operating income to assets | 1.0791% | 1,908 |
| Return on assets (ROA) | 1.0925% | 1,967 |
| Pretax return on assets | 1.4540% | 1,429 |
| Return on Equity (ROE) | 10.1844% | 1,684 |
| Retained earnings to average equity (ytd only) | 10.1844% | 709 |
| Net charge-offs to loans | 0.6886% | 221 |
| Credit loss provision to net charge-offs | 168.4146% | 1,520 |
| Earnings coverage of net charge-offs (x) | 4.2443% | 2,150 |
| Efficiency ratio | 47.2999% | 4,787 |
| Assets per employee ($millions) | 7.7136% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,413 |
| Loan loss allowance to noncurrent loans | 660.0752% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 3,855 |
| Noncurrent loans to loans | 0.1889% | 3,797 |
| Net loans and leases to total assets | 80.8563% | 584 |
| Net loans and leases to deposits | 93.2240% | 1,157 |
| Net loans and leases to core deposits | 117.2098% | 550 |
| Total domestic deposits to total assets | 86.7333% | 1,677 |
| Equity capital to assets | 10.4664% | 3,355 |
| Core capital (leverage) ratio | 11.0058% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0451% | 2,673 |
| Memoranda: | ||
| Average total assets | $1,155,174,500 | 727 |
| Average earning assets | $1,124,777,000 | 680 |
| Average equity | $123,915,000 | 773 |
| Average total loans | $941,673,000 | 635 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4310% | 120 |
| Cost of funding earning assets | 1.6851% | 202 |
| Net interest margin | 4.7459% | 427 |
| Noninterest income to average assets | 0.1696% | 4,643 |
| Noninterest expense to average assets | 2.1837% | 4,191 |
| Loan and lease loss provision to assets | 0.6289% | 187 |
| Net operating income to assets | 1.4653% | 1,140 |
| Return on assets (ROA) | 1.4837% | 1,152 |
| Pretax return on assets | 1.9926% | 610 |
| Return on Equity (ROE) | 13.7669% | 946 |
| Retained earnings to average equity (ytd only) | 13.7669% | 135 |
| Net charge-offs to loans | 0.5374% | 343 |
| Credit loss provision to net charge-offs | 142.8323% | 1,804 |
| Earnings coverage of net charge-offs (x) | 5.9012% | 3,033 |
| Efficiency ratio | 45.6658% | 4,925 |
| Assets per employee ($millions) | 7.4800% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,202 |
| Loan loss allowance to noncurrent loans | 658.1272% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 3,868 |
| Noncurrent loans to loans | 0.1891% | 3,775 |
| Net loans and leases to total assets | 80.1178% | 767 |
| Net loans and leases to deposits | 93.4473% | 1,209 |
| Net loans and leases to core deposits | 120.5200% | 466 |
| Total domestic deposits to total assets | 85.7358% | 2,171 |
| Equity capital to assets | 11.0101% | 2,986 |
| Core capital (leverage) ratio | 11.1697% | 2,363 |
| Tier 1 risk-based capital ratio | 12.5535% | 4,038 |
| Total risk-based capital ratio | 13.7191% | 3,966 |
| Memoranda: | ||
| Average total assets | $1,044,108,800 | 752 |
| Average earning assets | $1,014,715,200 | 715 |
| Average equity | $112,523,600 | 809 |
| Average total loans | $855,434,000 | 674 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1544% | 186 |
| Cost of funding earning assets | 1.6803% | 215 |
| Net interest margin | 4.4741% | 815 |
| Noninterest income to average assets | 0.1732% | 4,676 |
| Noninterest expense to average assets | 2.1682% | 4,238 |
| Loan and lease loss provision to assets | 0.4810% | 247 |
| Net operating income to assets | 1.4037% | 1,457 |
| Return on assets (ROA) | 1.4264% | 1,449 |
| Pretax return on assets | 1.9002% | 867 |
| Return on Equity (ROE) | 13.3133% | 1,172 |
| Retained earnings to average equity (ytd only) | 13.3133% | 252 |
| Net charge-offs to loans | 0.4957% | 345 |
| Credit loss provision to net charge-offs | 118.1152% | 1,980 |
| Earnings coverage of net charge-offs (x) | 5.7765% | 2,888 |
| Efficiency ratio | 47.9623% | 4,855 |
| Assets per employee ($millions) | 7.3868% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 2,940 |
| Loan loss allowance to noncurrent loans | 841.1360% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 4,167 |
| Noncurrent loans to loans | 0.1328% | 4,055 |
| Net loans and leases to total assets | 80.7620% | 738 |
| Net loans and leases to deposits | 94.2791% | 1,195 |
| Net loans and leases to core deposits | 122.9485% | 441 |
| Total domestic deposits to total assets | 85.6627% | 2,134 |
| Equity capital to assets | 10.9561% | 3,138 |
| Core capital (leverage) ratio | 10.9852% | 2,656 |
| Tier 1 risk-based capital ratio | 12.4454% | 4,179 |
| Total risk-based capital ratio | 13.4959% | 4,170 |
| Memoranda: | ||
| Average total assets | $1,028,377,250 | 764 |
| Average earning assets | $999,245,750 | 728 |
| Average equity | $110,183,000 | 820 |
| Average total loans | $844,765,750 | 686 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0238% | 220 |
| Cost of funding earning assets | 1.6504% | 230 |
| Net interest margin | 4.3734% | 989 |
| Noninterest income to average assets | 0.1692% | 4,740 |
| Noninterest expense to average assets | 2.1997% | 4,223 |
| Loan and lease loss provision to assets | 0.4733% | 252 |
| Net operating income to assets | 1.3130% | 1,727 |
| Return on assets (ROA) | 1.3172% | 1,771 |
| Pretax return on assets | 1.7497% | 1,170 |
| Return on Equity (ROE) | 12.3922% | 1,449 |
| Retained earnings to average equity (ytd only) | 12.3922% | 362 |
| Net charge-offs to loans | 0.4852% | 326 |
| Credit loss provision to net charge-offs | 118.5185% | 1,757 |
| Earnings coverage of net charge-offs (x) | 5.5531% | 2,642 |
| Efficiency ratio | 49.7969% | 4,791 |
| Assets per employee ($millions) | 7.1259% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,072 |
| Loan loss allowance to noncurrent loans | 1,821.4829% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 4,511 |
| Noncurrent loans to loans | 0.0603% | 4,412 |
| Net loans and leases to total assets | 82.3165% | 557 |
| Net loans and leases to deposits | 96.1192% | 1,019 |
| Net loans and leases to core deposits | 127.0093% | 365 |
| Total domestic deposits to total assets | 85.6400% | 2,205 |
| Equity capital to assets | 10.7540% | 3,305 |
| Core capital (leverage) ratio | 10.7210% | 2,876 |
| Tier 1 risk-based capital ratio | 11.9047% | 4,474 |
| Total risk-based capital ratio | 12.9278% | 4,492 |
| Memoranda: | ||
| Average total assets | $1,014,139,330 | 771 |
| Average earning assets | $985,088,000 | 737 |
| Average equity | $107,794,000 | 833 |
| Average total loans | $834,751,330 | 687 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8845% | 268 |
| Cost of funding earning assets | 1.5992% | 228 |
| Net interest margin | 4.2853% | 1,120 |
| Noninterest income to average assets | 0.1540% | 4,821 |
| Noninterest expense to average assets | 2.2241% | 4,203 |
| Loan and lease loss provision to assets | 0.5715% | 182 |
| Net operating income to assets | 1.1501% | 2,269 |
| Return on assets (ROA) | 1.1517% | 2,307 |
| Pretax return on assets | 1.5223% | 1,695 |
| Return on Equity (ROE) | 10.9028% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.9028% | 820 |
| Net charge-offs to loans | 0.6582% | 231 |
| Credit loss provision to net charge-offs | 106.1057% | 1,528 |
| Earnings coverage of net charge-offs (x) | 3.8838% | 2,368 |
| Efficiency ratio | 51.5332% | 4,729 |
| Assets per employee ($millions) | 6.9586% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 2,960 |
| Loan loss allowance to noncurrent loans | 1,643.8938% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 4,493 |
| Noncurrent loans to loans | 0.0688% | 4,451 |
| Net loans and leases to total assets | 80.4395% | 789 |
| Net loans and leases to deposits | 92.6153% | 1,329 |
| Net loans and leases to core deposits | 125.1590% | 401 |
| Total domestic deposits to total assets | 86.8534% | 1,885 |
| Equity capital to assets | 10.6582% | 3,197 |
| Core capital (leverage) ratio | 10.7435% | 2,807 |
| Tier 1 risk-based capital ratio | 12.2119% | 4,350 |
| Total risk-based capital ratio | 13.2652% | 4,343 |
| Memoranda: | ||
| Average total assets | $997,459,000 | 790 |
| Average earning assets | $968,713,000 | 746 |
| Average equity | $105,367,000 | 850 |
| Average total loans | $816,204,000 | 707 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7222% | 268 |
| Cost of funding earning assets | 1.3332% | 190 |
| Net interest margin | 4.3891% | 963 |
| Noninterest income to average assets | 0.2231% | 4,591 |
| Noninterest expense to average assets | 2.2953% | 4,132 |
| Loan and lease loss provision to assets | 0.5112% | 232 |
| Net operating income to assets | 1.2426% | 2,003 |
| Return on assets (ROA) | 1.2409% | 2,001 |
| Pretax return on assets | 1.6747% | 1,235 |
| Return on Equity (ROE) | 12.2555% | 1,626 |
| Retained earnings to average equity (ytd only) | 12.2555% | 301 |
| Net charge-offs to loans | 0.4483% | 406 |
| Credit loss provision to net charge-offs | 140.2241% | 1,928 |
| Earnings coverage of net charge-offs (x) | 6.0015% | 3,132 |
| Efficiency ratio | 51.1955% | 4,862 |
| Assets per employee ($millions) | 7.0929% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 2,907 |
| Loan loss allowance to noncurrent loans | 1,355.8174% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 4,424 |
| Noncurrent loans to loans | 0.0837% | 4,373 |
| Net loans and leases to total assets | 81.3738% | 755 |
| Net loans and leases to deposits | 93.6171% | 1,325 |
| Net loans and leases to core deposits | 127.9054% | 355 |
| Total domestic deposits to total assets | 86.9219% | 1,810 |
| Equity capital to assets | 10.4667% | 3,223 |
| Core capital (leverage) ratio | 10.4357% | 3,098 |
| Tier 1 risk-based capital ratio | 12.0197% | 4,420 |
| Total risk-based capital ratio | 13.0802% | 4,420 |
| Memoranda: | ||
| Average total assets | $930,081,800 | 819 |
| Average earning assets | $902,791,800 | 782 |
| Average equity | $94,170,000 | 898 |
| Average total loans | $756,462,400 | 734 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6158% | 293 |
| Cost of funding earning assets | 1.2408% | 203 |
| Net interest margin | 4.3750% | 951 |
| Noninterest income to average assets | 0.1888% | 4,844 |
| Noninterest expense to average assets | 2.2403% | 4,234 |
| Loan and lease loss provision to assets | 0.5676% | 180 |
| Net operating income to assets | 1.2296% | 2,122 |
| Return on assets (ROA) | 1.2272% | 2,134 |
| Pretax return on assets | 1.6252% | 1,502 |
| Return on Equity (ROE) | 12.2314% | 1,708 |
| Retained earnings to average equity (ytd only) | 12.2314% | 449 |
| Net charge-offs to loans | 0.4468% | 351 |
| Credit loss provision to net charge-offs | 156.6894% | 1,650 |
| Earnings coverage of net charge-offs (x) | 6.0619% | 2,918 |
| Efficiency ratio | 50.5003% | 4,917 |
| Assets per employee ($millions) | 7.2933% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 3,032 |
| Loan loss allowance to noncurrent loans | 1,710.3512% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 4,692 |
| Noncurrent loans to loans | 0.0660% | 4,590 |
| Net loans and leases to total assets | 81.7410% | 754 |
| Net loans and leases to deposits | 93.3297% | 1,466 |
| Net loans and leases to core deposits | 124.9609% | 442 |
| Total domestic deposits to total assets | 87.5830% | 1,448 |
| Equity capital to assets | 9.9878% | 3,663 |
| Core capital (leverage) ratio | 10.4251% | 3,159 |
| Tier 1 risk-based capital ratio | 11.5485% | 4,765 |
| Total risk-based capital ratio | 12.5972% | 4,766 |
| Memoranda: | ||
| Average total assets | $916,122,750 | 830 |
| Average earning assets | $889,389,250 | 791 |
| Average equity | $91,914,250 | 913 |
| Average total loans | $742,706,750 | 741 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4759% | 330 |
| Cost of funding earning assets | 1.1486% | 230 |
| Net interest margin | 4.3273% | 983 |
| Noninterest income to average assets | 0.1958% | 4,843 |
| Noninterest expense to average assets | 2.2762% | 4,200 |
| Loan and lease loss provision to assets | 0.5388% | 203 |
| Net operating income to assets | 1.1964% | 2,215 |
| Return on assets (ROA) | 1.1964% | 2,213 |
| Pretax return on assets | 1.5818% | 1,561 |
| Return on Equity (ROE) | 11.9044% | 1,757 |
| Retained earnings to average equity (ytd only) | 11.9044% | 531 |
| Net charge-offs to loans | 0.4316% | 356 |
| Credit loss provision to net charge-offs | 155.1390% | 1,543 |
| Earnings coverage of net charge-offs (x) | 6.1060% | 2,656 |
| Efficiency ratio | 51.7692% | 4,912 |
| Assets per employee ($millions) | 6.7441% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 3,039 |
| Loan loss allowance to noncurrent loans | 1,649.9051% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 4,743 |
| Noncurrent loans to loans | 0.0691% | 4,610 |
| Net loans and leases to total assets | 80.4357% | 950 |
| Net loans and leases to deposits | 91.5291% | 1,640 |
| Net loans and leases to core deposits | 120.9109% | 543 |
| Total domestic deposits to total assets | 87.8800% | 1,442 |
| Equity capital to assets | 10.0119% | 3,606 |
| Core capital (leverage) ratio | 10.5866% | 2,938 |
| Tier 1 risk-based capital ratio | 11.6377% | 4,724 |
| Total risk-based capital ratio | 12.6940% | 4,717 |
| Memoranda: | ||
| Average total assets | $890,869,330 | 859 |
| Average earning assets | $864,878,670 | 819 |
| Average equity | $89,530,000 | 933 |
| Average total loans | $716,933,000 | 767 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3465% | 368 |
| Cost of funding earning assets | 1.1018% | 227 |
| Net interest margin | 4.2447% | 1,065 |
| Noninterest income to average assets | 0.2102% | 4,756 |
| Noninterest expense to average assets | 2.2697% | 4,256 |
| Loan and lease loss provision to assets | 0.5878% | 173 |
| Net operating income to assets | 1.1171% | 2,347 |
| Return on assets (ROA) | 1.1171% | 2,367 |
| Pretax return on assets | 1.4717% | 1,759 |
| Return on Equity (ROE) | 11.0934% | 1,930 |
| Retained earnings to average equity (ytd only) | 11.0934% | 877 |
| Net charge-offs to loans | 0.5625% | 263 |
| Credit loss provision to net charge-offs | 130.6352% | 1,332 |
| Earnings coverage of net charge-offs (x) | 4.5768% | 2,291 |
| Efficiency ratio | 52.4281% | 4,931 |
| Assets per employee ($millions) | 6.7530% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 3,057 |
| Loan loss allowance to noncurrent loans | 1,654.6748% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 4,805 |
| Noncurrent loans to loans | 0.0699% | 4,667 |
| Net loans and leases to total assets | 81.0818% | 779 |
| Net loans and leases to deposits | 91.3248% | 1,521 |
| Net loans and leases to core deposits | 117.3007% | 679 |
| Total domestic deposits to total assets | 88.7840% | 1,215 |
| Equity capital to assets | 10.2713% | 3,311 |
| Core capital (leverage) ratio | 10.2652% | 3,224 |
| Tier 1 risk-based capital ratio | 11.8608% | 4,641 |
| Total risk-based capital ratio | 12.9431% | 4,635 |
| Memoranda: | ||
| Average total assets | $867,587,000 | 884 |
| Average earning assets | $841,903,500 | 844 |
| Average equity | $87,367,500 | 958 |
| Average total loans | $694,036,000 | 792 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 425 |
| Cost of funding earning assets | 0.9225% | 334 |
| Net interest margin | 4.3020% | 956 |
| Noninterest income to average assets | 0.2194% | 4,836 |
| Noninterest expense to average assets | 2.3173% | 4,280 |
| Loan and lease loss provision to assets | 0.4599% | 295 |
| Net operating income to assets | 0.7341% | 3,454 |
| Return on assets (ROA) | 0.7341% | 3,497 |
| Pretax return on assets | 1.5914% | 1,315 |
| Return on Equity (ROE) | 7.2899% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.2899% | 986 |
| Net charge-offs to loans | 0.4893% | 487 |
| Credit loss provision to net charge-offs | 118.4908% | 2,211 |
| Earnings coverage of net charge-offs (x) | 5.2853% | 3,350 |
| Efficiency ratio | 53.0445% | 5,031 |
| Assets per employee ($millions) | 6.9098% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,085 |
| Loan loss allowance to noncurrent loans | 1,123.4957% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,719 |
| Noncurrent loans to loans | 0.1020% | 4,530 |
| Net loans and leases to total assets | 77.1137% | 1,406 |
| Net loans and leases to deposits | 86.5555% | 2,187 |
| Net loans and leases to core deposits | 112.9947% | 839 |
| Total domestic deposits to total assets | 89.0916% | 968 |
| Equity capital to assets | 9.8736% | 3,848 |
| Core capital (leverage) ratio | 10.1104% | 3,301 |
| Tier 1 risk-based capital ratio | 11.7210% | 4,705 |
| Total risk-based capital ratio | 12.7816% | 4,731 |
| Memoranda: | ||
| Average total assets | $826,294,200 | 901 |
| Average earning assets | $796,955,800 | 861 |
| Average equity | $83,211,200 | 975 |
| Average total loans | $655,391,000 | 796 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1924% | 420 |
| Cost of funding earning assets | 0.8690% | 415 |
| Net interest margin | 4.3234% | 870 |
| Noninterest income to average assets | 0.2404% | 4,765 |
| Noninterest expense to average assets | 2.3112% | 4,272 |
| Loan and lease loss provision to assets | 0.5040% | 232 |
| Net operating income to assets | 1.0214% | 2,464 |
| Return on assets (ROA) | 1.0214% | 2,504 |
| Pretax return on assets | 1.5895% | 1,460 |
| Return on Equity (ROE) | 10.0897% | 2,091 |
| Retained earnings to average equity (ytd only) | 10.0897% | 565 |
| Net charge-offs to loans | 0.4898% | 420 |
| Credit loss provision to net charge-offs | 129.1474% | 1,901 |
| Earnings coverage of net charge-offs (x) | 5.3645% | 3,116 |
| Efficiency ratio | 52.4708% | 5,060 |
| Assets per employee ($millions) | 6.8097% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 3,103 |
| Loan loss allowance to noncurrent loans | 1,601.4113% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 4,941 |
| Noncurrent loans to loans | 0.0729% | 4,785 |
| Net loans and leases to total assets | 79.6162% | 1,040 |
| Net loans and leases to deposits | 89.9662% | 1,812 |
| Net loans and leases to core deposits | 118.7503% | 624 |
| Total domestic deposits to total assets | 88.4958% | 1,125 |
| Equity capital to assets | 10.2797% | 3,606 |
| Core capital (leverage) ratio | 10.5677% | 2,910 |
| Tier 1 risk-based capital ratio | 11.8951% | 4,703 |
| Total risk-based capital ratio | 12.9874% | 4,686 |
| Memoranda: | ||
| Average total assets | $813,482,000 | 921 |
| Average earning assets | $783,531,500 | 881 |
| Average equity | $82,352,750 | 990 |
| Average total loans | $648,101,750 | 811 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1063% | 464 |
| Cost of funding earning assets | 0.8226% | 466 |
| Net interest margin | 4.2838% | 902 |
| Noninterest income to average assets | 0.2976% | 4,409 |
| Noninterest expense to average assets | 2.3474% | 4,217 |
| Loan and lease loss provision to assets | 0.5105% | 228 |
| Net operating income to assets | 1.0172% | 2,347 |
| Return on assets (ROA) | 1.0172% | 2,387 |
| Pretax return on assets | 1.5648% | 1,445 |
| Return on Equity (ROE) | 10.1027% | 1,993 |
| Retained earnings to average equity (ytd only) | 10.1027% | 562 |
| Net charge-offs to loans | 0.5124% | 382 |
| Credit loss provision to net charge-offs | 125.5358% | 1,722 |
| Earnings coverage of net charge-offs (x) | 5.1035% | 2,858 |
| Efficiency ratio | 53.0770% | 5,089 |
| Assets per employee ($millions) | 6.5953% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 3,276 |
| Loan loss allowance to noncurrent loans | 644.2017% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 4,593 |
| Noncurrent loans to loans | 0.1795% | 4,399 |
| Net loans and leases to total assets | 80.1284% | 935 |
| Net loans and leases to deposits | 90.4260% | 1,675 |
| Net loans and leases to core deposits | 118.5626% | 613 |
| Total domestic deposits to total assets | 88.6121% | 1,155 |
| Equity capital to assets | 10.3716% | 3,488 |
| Core capital (leverage) ratio | 10.6266% | 2,780 |
| Tier 1 risk-based capital ratio | 11.9152% | 4,690 |
| Total risk-based capital ratio | 12.9982% | 4,694 |
| Memoranda: | ||
| Average total assets | $803,175,000 | 939 |
| Average earning assets | $773,432,670 | 900 |
| Average equity | $80,869,670 | 1,008 |
| Average total loans | $637,394,000 | 826 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 511 |
| Cost of funding earning assets | 0.8055% | 473 |
| Net interest margin | 4.2115% | 967 |
| Noninterest income to average assets | 0.3367% | 4,152 |
| Noninterest expense to average assets | 2.3658% | 4,208 |
| Loan and lease loss provision to assets | 0.5403% | 184 |
| Net operating income to assets | 0.9615% | 2,473 |
| Return on assets (ROA) | 0.9615% | 2,529 |
| Pretax return on assets | 1.4802% | 1,603 |
| Return on Equity (ROE) | 9.6991% | 2,102 |
| Retained earnings to average equity (ytd only) | 9.6991% | 884 |
| Net charge-offs to loans | 0.6161% | 288 |
| Credit loss provision to net charge-offs | 111.7464% | 1,465 |
| Earnings coverage of net charge-offs (x) | 4.1788% | 2,412 |
| Efficiency ratio | 53.9361% | 5,131 |
| Assets per employee ($millions) | 6.5202% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 3,246 |
| Loan loss allowance to noncurrent loans | 608.4298% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 4,651 |
| Noncurrent loans to loans | 0.1943% | 4,425 |
| Net loans and leases to total assets | 76.7319% | 1,301 |
| Net loans and leases to deposits | 85.6626% | 2,066 |
| Net loans and leases to core deposits | 111.6287% | 789 |
| Total domestic deposits to total assets | 89.5747% | 864 |
| Equity capital to assets | 10.0540% | 3,690 |
| Core capital (leverage) ratio | 10.2198% | 3,221 |
| Tier 1 risk-based capital ratio | 12.1231% | 4,637 |
| Total risk-based capital ratio | 13.2260% | 4,632 |
| Memoranda: | ||
| Average total assets | $795,854,000 | 952 |
| Average earning assets | $765,231,000 | 913 |
| Average equity | $78,894,000 | 1,024 |
| Average total loans | $624,606,000 | 839 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9192% | 713 |
| Cost of funding earning assets | 0.7276% | 708 |
| Net interest margin | 4.1916% | 1,145 |
| Noninterest income to average assets | 0.1959% | 5,238 |
| Noninterest expense to average assets | 2.2122% | 4,748 |
| Loan and lease loss provision to assets | 0.4535% | 314 |
| Net operating income to assets | 1.0027% | 2,342 |
| Return on assets (ROA) | 1.0368% | 2,299 |
| Pretax return on assets | 1.5984% | 1,289 |
| Return on Equity (ROE) | 10.7192% | 1,686 |
| Retained earnings to average equity (ytd only) | 10.7192% | 334 |
| Net charge-offs to loans | 0.4680% | 533 |
| Credit loss provision to net charge-offs | 123.6619% | 2,163 |
| Earnings coverage of net charge-offs (x) | 5.4518% | 3,340 |
| Efficiency ratio | 52.5250% | 5,349 |
| Assets per employee ($millions) | 7.6672% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 3,385 |
| Loan loss allowance to noncurrent loans | 334.2554% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 4,187 |
| Noncurrent loans to loans | 0.3462% | 3,895 |
| Net loans and leases to total assets | 78.4099% | 1,144 |
| Net loans and leases to deposits | 87.3182% | 2,011 |
| Net loans and leases to core deposits | 114.5764% | 676 |
| Total domestic deposits to total assets | 89.7979% | 725 |
| Equity capital to assets | 9.7700% | 3,982 |
| Core capital (leverage) ratio | 10.1447% | 3,313 |
| Tier 1 risk-based capital ratio | 11.6314% | 4,968 |
| Total risk-based capital ratio | 12.7157% | 4,981 |
| Memoranda: | ||
| Average total assets | $738,633,200 | 976 |
| Average earning assets | $707,649,800 | 943 |
| Average equity | $71,442,000 | 1,103 |
| Average total loans | $578,791,800 | 859 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 779 |
| Cost of funding earning assets | 0.7059% | 793 |
| Net interest margin | 4.1627% | 1,220 |
| Noninterest income to average assets | 0.2052% | 5,240 |
| Noninterest expense to average assets | 2.1772% | 4,823 |
| Loan and lease loss provision to assets | 0.4363% | 312 |
| Net operating income to assets | 1.0318% | 2,281 |
| Return on assets (ROA) | 1.0780% | 2,194 |
| Pretax return on assets | 1.6502% | 1,247 |
| Return on Equity (ROE) | 11.1766% | 1,605 |
| Retained earnings to average equity (ytd only) | 11.1766% | 406 |
| Net charge-offs to loans | 0.4497% | 469 |
| Credit loss provision to net charge-offs | 124.2155% | 2,040 |
| Earnings coverage of net charge-offs (x) | 5.7385% | 3,089 |
| Efficiency ratio | 51.9299% | 5,390 |
| Assets per employee ($millions) | 7.5486% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 3,465 |
| Loan loss allowance to noncurrent loans | 342.2556% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 4,348 |
| Noncurrent loans to loans | 0.3397% | 4,039 |
| Net loans and leases to total assets | 78.8374% | 1,063 |
| Net loans and leases to deposits | 87.8707% | 2,033 |
| Net loans and leases to core deposits | 115.0124% | 690 |
| Total domestic deposits to total assets | 89.7198% | 585 |
| Equity capital to assets | 9.9057% | 4,232 |
| Core capital (leverage) ratio | 10.2304% | 3,302 |
| Tier 1 risk-based capital ratio | 11.6058% | 5,028 |
| Total risk-based capital ratio | 12.7075% | 5,022 |
| Memoranda: | ||
| Average total assets | $725,861,500 | 991 |
| Average earning assets | $695,304,500 | 959 |
| Average equity | $70,013,500 | 1,131 |
| Average total loans | $566,872,500 | 872 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 912 |
| Cost of funding earning assets | 0.6891% | 850 |
| Net interest margin | 4.0961% | 1,375 |
| Noninterest income to average assets | 0.2074% | 5,253 |
| Noninterest expense to average assets | 2.1788% | 4,894 |
| Loan and lease loss provision to assets | 0.3923% | 395 |
| Net operating income to assets | 1.0160% | 2,319 |
| Return on assets (ROA) | 1.0657% | 2,226 |
| Pretax return on assets | 1.6341% | 1,271 |
| Return on Equity (ROE) | 11.1562% | 1,588 |
| Retained earnings to average equity (ytd only) | 11.1562% | 423 |
| Net charge-offs to loans | 0.3591% | 648 |
| Credit loss provision to net charge-offs | 140.9869% | 1,672 |
| Earnings coverage of net charge-offs (x) | 7.0070% | 2,678 |
| Efficiency ratio | 52.7727% | 5,398 |
| Assets per employee ($millions) | 7.2853% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 3,298 |
| Loan loss allowance to noncurrent loans | 2,015.8046% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 5,136 |
| Noncurrent loans to loans | 0.0601% | 5,205 |
| Net loans and leases to total assets | 79.3360% | 1,013 |
| Net loans and leases to deposits | 88.4284% | 1,927 |
| Net loans and leases to core deposits | 115.7609% | 647 |
| Total domestic deposits to total assets | 89.7178% | 586 |
| Equity capital to assets | 9.8469% | 4,391 |
| Core capital (leverage) ratio | 9.9355% | 3,641 |
| Tier 1 risk-based capital ratio | 11.4692% | 5,178 |
| Total risk-based capital ratio | 12.6192% | 5,131 |
| Memoranda: | ||
| Average total assets | $713,679,330 | 1,009 |
| Average earning assets | $683,230,670 | 974 |
| Average equity | $68,177,330 | 1,156 |
| Average total loans | $553,118,670 | 893 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 1,085 |
| Cost of funding earning assets | 0.6868% | 861 |
| Net interest margin | 3.9962% | 1,625 |
| Noninterest income to average assets | 0.1978% | 5,322 |
| Noninterest expense to average assets | 2.0978% | 5,115 |
| Loan and lease loss provision to assets | 0.4085% | 336 |
| Net operating income to assets | 0.9758% | 2,391 |
| Return on assets (ROA) | 1.0728% | 2,115 |
| Pretax return on assets | 1.6571% | 1,165 |
| Return on Equity (ROE) | 11.4087% | 1,477 |
| Retained earnings to average equity (ytd only) | 11.4087% | 590 |
| Net charge-offs to loans | 0.5170% | 420 |
| Credit loss provision to net charge-offs | 103.8682% | 1,575 |
| Earnings coverage of net charge-offs (x) | 4.8725% | 2,384 |
| Efficiency ratio | 52.2600% | 5,498 |
| Assets per employee ($millions) | 7.2861% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 3,343 |
| Loan loss allowance to noncurrent loans | 517.2253% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 4,640 |
| Noncurrent loans to loans | 0.2365% | 4,586 |
| Net loans and leases to total assets | 75.8041% | 1,421 |
| Net loans and leases to deposits | 84.0965% | 2,292 |
| Net loans and leases to core deposits | 106.1192% | 1,071 |
| Total domestic deposits to total assets | 90.1394% | 544 |
| Equity capital to assets | 9.5827% | 4,580 |
| Core capital (leverage) ratio | 9.6450% | 3,974 |
| Tier 1 risk-based capital ratio | 11.6446% | 5,139 |
| Total risk-based capital ratio | 12.7969% | 5,112 |
| Memoranda: | ||
| Average total assets | $709,897,000 | 1,009 |
| Average earning assets | $677,942,000 | 980 |
| Average equity | $66,756,000 | 1,174 |
| Average total loans | $540,067,500 | 906 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 973 |
| Cost of funding earning assets | 0.7039% | 804 |
| Net interest margin | 4.0654% | 1,500 |
| Noninterest income to average assets | 0.2066% | 5,359 |
| Noninterest expense to average assets | 2.1211% | 5,214 |
| Loan and lease loss provision to assets | 0.3495% | 425 |
| Net operating income to assets | 1.0429% | 2,157 |
| Return on assets (ROA) | 1.0613% | 2,159 |
| Pretax return on assets | 1.6314% | 1,163 |
| Return on Equity (ROE) | 11.5126% | 1,434 |
| Retained earnings to average equity (ytd only) | 11.5126% | 290 |
| Net charge-offs to loans | 0.3797% | 760 |
| Credit loss provision to net charge-offs | 118.6618% | 2,169 |
| Earnings coverage of net charge-offs (x) | 6.6299% | 3,195 |
| Efficiency ratio | 52.0691% | 5,630 |
| Assets per employee ($millions) | 7.8356% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 3,301 |
| Loan loss allowance to noncurrent loans | 453.2236% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 4,586 |
| Noncurrent loans to loans | 0.2711% | 4,481 |
| Net loans and leases to total assets | 74.4899% | 1,647 |
| Net loans and leases to deposits | 82.4052% | 2,538 |
| Net loans and leases to core deposits | 100.7676% | 1,456 |
| Total domestic deposits to total assets | 90.3947% | 473 |
| Equity capital to assets | 9.2261% | 4,869 |
| Core capital (leverage) ratio | 9.4611% | 4,234 |
| Tier 1 risk-based capital ratio | 11.4227% | 5,302 |
| Total risk-based capital ratio | 12.5810% | 5,248 |
| Memoranda: | ||
| Average total assets | $649,556,800 | 1,054 |
| Average earning assets | $617,866,000 | 1,018 |
| Average equity | $59,882,400 | 1,265 |
| Average total loans | $503,756,000 | 931 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 923 |
| Cost of funding earning assets | 0.7002% | 835 |
| Net interest margin | 4.1032% | 1,401 |
| Noninterest income to average assets | 0.2106% | 5,386 |
| Noninterest expense to average assets | 2.1268% | 5,222 |
| Loan and lease loss provision to assets | 0.3261% | 425 |
| Net operating income to assets | 1.0691% | 2,136 |
| Return on assets (ROA) | 1.0943% | 2,118 |
| Pretax return on assets | 1.6940% | 1,121 |
| Return on Equity (ROE) | 11.8728% | 1,407 |
| Retained earnings to average equity (ytd only) | 11.8728% | 381 |
| Net charge-offs to loans | 0.3467% | 760 |
| Credit loss provision to net charge-offs | 120.3416% | 1,979 |
| Earnings coverage of net charge-offs (x) | 7.3113% | 2,930 |
| Efficiency ratio | 51.7695% | 5,667 |
| Assets per employee ($millions) | 7.5578% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 3,436 |
| Loan loss allowance to noncurrent loans | 468.8985% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 4,730 |
| Noncurrent loans to loans | 0.2643% | 4,631 |
| Net loans and leases to total assets | 78.0445% | 1,091 |
| Net loans and leases to deposits | 86.3556% | 2,107 |
| Net loans and leases to core deposits | 108.9409% | 934 |
| Total domestic deposits to total assets | 90.3757% | 436 |
| Equity capital to assets | 9.3125% | 4,991 |
| Core capital (leverage) ratio | 9.6434% | 4,122 |
| Tier 1 risk-based capital ratio | 11.2273% | 5,538 |
| Total risk-based capital ratio | 12.4164% | 5,462 |
| Memoranda: | ||
| Average total assets | $633,685,250 | 1,088 |
| Average earning assets | $601,925,750 | 1,047 |
| Average equity | $58,406,500 | 1,297 |
| Average total loans | $495,256,750 | 949 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 951 |
| Cost of funding earning assets | 0.6983% | 850 |
| Net interest margin | 4.0695% | 1,448 |
| Noninterest income to average assets | 0.2230% | 5,368 |
| Noninterest expense to average assets | 2.1360% | 5,258 |
| Loan and lease loss provision to assets | 0.3530% | 377 |
| Net operating income to assets | 1.0320% | 2,217 |
| Return on assets (ROA) | 1.0420% | 2,288 |
| Pretax return on assets | 1.6113% | 1,299 |
| Return on Equity (ROE) | 11.3472% | 1,571 |
| Retained earnings to average equity (ytd only) | 11.3472% | 461 |
| Net charge-offs to loans | 0.3595% | 725 |
| Credit loss provision to net charge-offs | 126.1468% | 1,738 |
| Earnings coverage of net charge-offs (x) | 6.9644% | 2,717 |
| Efficiency ratio | 52.2900% | 5,692 |
| Assets per employee ($millions) | 7.3705% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 3,408 |
| Loan loss allowance to noncurrent loans | 3,175.9804% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 5,520 |
| Noncurrent loans to loans | 0.0399% | 5,589 |
| Net loans and leases to total assets | 79.5693% | 861 |
| Net loans and leases to deposits | 88.2233% | 1,804 |
| Net loans and leases to core deposits | 112.3934% | 735 |
| Total domestic deposits to total assets | 90.1908% | 581 |
| Equity capital to assets | 9.4335% | 4,731 |
| Core capital (leverage) ratio | 9.5699% | 4,179 |
| Tier 1 risk-based capital ratio | 11.1669% | 5,633 |
| Total risk-based capital ratio | 12.3818% | 5,572 |
| Memoranda: | ||
| Average total assets | $623,218,670 | 1,107 |
| Average earning assets | $591,423,330 | 1,076 |
| Average equity | $57,230,000 | 1,329 |
| Average total loans | $485,150,670 | 966 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 1,130 |
| Cost of funding earning assets | 0.6975% | 863 |
| Net interest margin | 3.9480% | 1,721 |
| Noninterest income to average assets | 0.2220% | 5,364 |
| Noninterest expense to average assets | 2.1907% | 5,177 |
| Loan and lease loss provision to assets | 0.3237% | 423 |
| Net operating income to assets | 0.9432% | 2,544 |
| Return on assets (ROA) | 0.9600% | 2,581 |
| Pretax return on assets | 1.4818% | 1,625 |
| Return on Equity (ROE) | 10.6029% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.6029% | 797 |
| Net charge-offs to loans | 0.4226% | 579 |
| Credit loss provision to net charge-offs | 100.2004% | 1,603 |
| Earnings coverage of net charge-offs (x) | 5.5090% | 2,382 |
| Efficiency ratio | 55.1769% | 5,582 |
| Assets per employee ($millions) | 7.6803% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 3,396 |
| Loan loss allowance to noncurrent loans | 945.8396% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 5,321 |
| Noncurrent loans to loans | 0.1376% | 5,283 |
| Net loans and leases to total assets | 75.2982% | 1,309 |
| Net loans and leases to deposits | 83.2156% | 2,178 |
| Net loans and leases to core deposits | 105.7053% | 961 |
| Total domestic deposits to total assets | 90.4856% | 534 |
| Equity capital to assets | 9.1241% | 5,168 |
| Core capital (leverage) ratio | 9.2828% | 4,606 |
| Tier 1 risk-based capital ratio | 11.2827% | 5,675 |
| Total risk-based capital ratio | 12.5246% | 5,587 |
| Memoranda: | ||
| Average total assets | $617,895,000 | 1,126 |
| Average earning assets | $586,633,000 | 1,084 |
| Average equity | $55,947,000 | 1,360 |
| Average total loans | $472,305,000 | 986 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1944% | 525 |
| Cost of funding earning assets | 0.7000% | 1,113 |
| Net interest margin | 4.4944% | 757 |
| Noninterest income to average assets | 0.2276% | 5,496 |
| Noninterest expense to average assets | 2.4094% | 4,820 |
| Loan and lease loss provision to assets | 0.3827% | 481 |
| Net operating income to assets | 1.1537% | 1,755 |
| Return on assets (ROA) | 1.1979% | 1,652 |
| Pretax return on assets | 1.7209% | 941 |
| Return on Equity (ROE) | 12.5041% | 1,265 |
| Retained earnings to average equity (ytd only) | 9.8073% | 547 |
| Net charge-offs to loans | 0.4804% | 867 |
| Credit loss provision to net charge-offs | 99.8539% | 2,441 |
| Earnings coverage of net charge-offs (x) | 5.3244% | 3,451 |
| Efficiency ratio | 54.1446% | 5,829 |
| Assets per employee ($millions) | 7.4816% | 664 |
| Cash dividends to net income (ytd only)* | 21.5677% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 3,187 |
| Loan loss allowance to noncurrent loans | 1,488.3333% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 5,531 |
| Noncurrent loans to loans | 0.0905% | 5,525 |
| Net loans and leases to total assets | 75.5589% | 1,336 |
| Net loans and leases to deposits | 83.4678% | 2,277 |
| Net loans and leases to core deposits | 106.8900% | 960 |
| Total domestic deposits to total assets | 90.5245% | 531 |
| Equity capital to assets | 8.9821% | 5,311 |
| Core capital (leverage) ratio | 9.6776% | 4,006 |
| Tier 1 risk-based capital ratio | 11.0907% | 5,875 |
| Total risk-based capital ratio | 12.3411% | 5,815 |
| Memoranda: | ||
| Average total assets | $535,702,000 | 1,250 |
| Average earning assets | $503,271,800 | 1,221 |
| Average equity | $51,319,000 | 1,414 |
| Average total loans | $427,350,200 | 1,029 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3194% | 431 |
| Cost of funding earning assets | 0.7094% | 1,111 |
| Net interest margin | 4.6100% | 606 |
| Noninterest income to average assets | 0.2545% | 5,396 |
| Noninterest expense to average assets | 2.3775% | 4,888 |
| Loan and lease loss provision to assets | 0.3860% | 446 |
| Net operating income to assets | 1.2776% | 1,448 |
| Return on assets (ROA) | 1.3353% | 1,331 |
| Pretax return on assets | 1.8904% | 736 |
| Return on Equity (ROE) | 13.6889% | 1,052 |
| Retained earnings to average equity (ytd only) | 10.0379% | 698 |
| Net charge-offs to loans | 0.4528% | 867 |
| Credit loss provision to net charge-offs | 105.6338% | 2,105 |
| Earnings coverage of net charge-offs (x) | 6.0070% | 3,154 |
| Efficiency ratio | 51.9950% | 5,991 |
| Assets per employee ($millions) | 7.3663% | 682 |
| Cash dividends to net income (ytd only)* | 26.6719% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 2,960 |
| Loan loss allowance to noncurrent loans | 666.0358% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 5,173 |
| Noncurrent loans to loans | 0.2172% | 5,248 |
| Net loans and leases to total assets | 80.2612% | 687 |
| Net loans and leases to deposits | 89.4379% | 1,483 |
| Net loans and leases to core deposits | 111.4268% | 685 |
| Total domestic deposits to total assets | 89.7396% | 853 |
| Equity capital to assets | 9.8232% | 4,394 |
| Core capital (leverage) ratio | 10.0992% | 3,532 |
| Tier 1 risk-based capital ratio | 11.5285% | 5,778 |
| Total risk-based capital ratio | 12.7801% | 5,704 |
| Memoranda: | ||
| Average total assets | $518,125,750 | 1,310 |
| Average earning assets | $485,306,500 | 1,275 |
| Average equity | $50,540,750 | 1,440 |
| Average total loans | $418,152,000 | 1,050 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 395 |
| Cost of funding earning assets | 0.7105% | 1,137 |
| Net interest margin | 4.6500% | 529 |
| Noninterest income to average assets | 0.2729% | 5,249 |
| Noninterest expense to average assets | 2.3839% | 4,925 |
| Loan and lease loss provision to assets | 0.3421% | 529 |
| Net operating income to assets | 1.3908% | 1,089 |
| Return on assets (ROA) | 1.4222% | 1,053 |
| Pretax return on assets | 1.9371% | 632 |
| Return on Equity (ROE) | 14.6163% | 852 |
| Retained earnings to average equity (ytd only) | 10.6107% | 596 |
| Net charge-offs to loans | 0.4466% | 913 |
| Credit loss provision to net charge-offs | 95.2122% | 2,093 |
| Earnings coverage of net charge-offs (x) | 6.2242% | 2,802 |
| Efficiency ratio | 51.5993% | 6,093 |
| Assets per employee ($millions) | 7.0147% | 797 |
| Cash dividends to net income (ytd only)* | 27.4052% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 3,005 |
| Loan loss allowance to noncurrent loans | 626.0081% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 5,208 |
| Noncurrent loans to loans | 0.2358% | 5,290 |
| Net loans and leases to total assets | 79.8628% | 701 |
| Net loans and leases to deposits | 89.1434% | 1,459 |
| Net loans and leases to core deposits | 108.5347% | 744 |
| Total domestic deposits to total assets | 89.5892% | 1,023 |
| Equity capital to assets | 9.9498% | 4,178 |
| Core capital (leverage) ratio | 10.0453% | 3,544 |
| Tier 1 risk-based capital ratio | 11.6176% | 5,734 |
| Total risk-based capital ratio | 12.8694% | 5,686 |
| Memoranda: | ||
| Average total assets | $511,588,330 | 1,321 |
| Average earning assets | $478,281,330 | 1,288 |
| Average equity | $49,780,000 | 1,449 |
| Average total loans | $411,559,670 | 1,058 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2779% | 427 |
| Cost of funding earning assets | 0.7110% | 1,183 |
| Net interest margin | 4.5670% | 590 |
| Noninterest income to average assets | 0.2914% | 5,045 |
| Noninterest expense to average assets | 2.3385% | 5,098 |
| Loan and lease loss provision to assets | 0.3544% | 498 |
| Net operating income to assets | 1.3729% | 1,055 |
| Return on assets (ROA) | 1.3729% | 1,095 |
| Pretax return on assets | 1.8636% | 706 |
| Return on Equity (ROE) | 14.2734% | 893 |
| Retained earnings to average equity (ytd only) | 9.9906% | 964 |
| Net charge-offs to loans | 0.5760% | 641 |
| Credit loss provision to net charge-offs | 76.7918% | 1,935 |
| Earnings coverage of net charge-offs (x) | 4.8055% | 2,472 |
| Efficiency ratio | 51.3224% | 6,173 |
| Assets per employee ($millions) | 6.9019% | 838 |
| Cash dividends to net income (ytd only)* | 30.0057% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 3,149 |
| Loan loss allowance to noncurrent loans | 526.9595% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 5,166 |
| Noncurrent loans to loans | 0.2843% | 5,258 |
| Net loans and leases to total assets | 78.7643% | 681 |
| Net loans and leases to deposits | 87.6643% | 1,394 |
| Net loans and leases to core deposits | 104.8196% | 807 |
| Total domestic deposits to total assets | 89.8477% | 1,154 |
| Equity capital to assets | 9.7322% | 4,191 |
| Core capital (leverage) ratio | 9.9043% | 3,707 |
| Tier 1 risk-based capital ratio | 11.6990% | 5,815 |
| Total risk-based capital ratio | 12.9513% | 5,755 |
| Memoranda: | ||
| Average total assets | $507,840,000 | 1,331 |
| Average earning assets | $474,276,500 | 1,301 |
| Average equity | $48,846,000 | 1,468 |
| Average total loans | $406,956,500 | 1,074 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5634% | 328 |
| Cost of funding earning assets | 0.7459% | 1,522 |
| Net interest margin | 4.8175% | 418 |
| Noninterest income to average assets | 0.5391% | 3,486 |
| Noninterest expense to average assets | 2.3713% | 5,157 |
| Loan and lease loss provision to assets | 0.3228% | 1,018 |
| Net operating income to assets | 1.4681% | 880 |
| Return on assets (ROA) | 1.4756% | 915 |
| Pretax return on assets | 2.3815% | 235 |
| Return on Equity (ROE) | 15.3219% | 711 |
| Retained earnings to average equity (ytd only) | 10.7262% | 458 |
| Net charge-offs to loans | 0.4122% | 1,629 |
| Credit loss provision to net charge-offs | 96.7040% | 2,585 |
| Earnings coverage of net charge-offs (x) | 8.0665% | 2,736 |
| Efficiency ratio | 46.8271% | 6,528 |
| Assets per employee ($millions) | 6.8235% | 834 |
| Cash dividends to net income (ytd only)* | 29.9944% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 2,994 |
| Loan loss allowance to noncurrent loans | 534.0734% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 5,265 |
| Noncurrent loans to loans | 0.2888% | 5,322 |
| Net loans and leases to total assets | 79.0708% | 706 |
| Net loans and leases to deposits | 88.0376% | 1,458 |
| Net loans and leases to core deposits | 104.1606% | 898 |
| Total domestic deposits to total assets | 89.8148% | 1,171 |
| Equity capital to assets | 9.5033% | 4,422 |
| Core capital (leverage) ratio | 9.6261% | 4,081 |
| Tier 1 risk-based capital ratio | 11.5020% | 5,904 |
| Total risk-based capital ratio | 12.7548% | 5,849 |
| Memoranda: | ||
| Average total assets | $481,708,800 | 1,379 |
| Average earning assets | $452,453,200 | 1,342 |
| Average equity | $46,391,000 | 1,505 |
| Average total loans | $390,109,600 | 1,094 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5575% | 340 |
| Cost of funding earning assets | 0.7440% | 1,640 |
| Net interest margin | 4.8135% | 420 |
| Noninterest income to average assets | 0.6503% | 2,883 |
| Noninterest expense to average assets | 2.3688% | 5,124 |
| Loan and lease loss provision to assets | 0.3096% | 1,093 |
| Net operating income to assets | 1.5494% | 823 |
| Return on assets (ROA) | 1.5566% | 863 |
| Pretax return on assets | 2.5128% | 240 |
| Return on Equity (ROE) | 16.1066% | 639 |
| Retained earnings to average equity (ytd only) | 11.2741% | 528 |
| Net charge-offs to loans | 0.3524% | 1,784 |
| Credit loss provision to net charge-offs | 108.2272% | 2,167 |
| Earnings coverage of net charge-offs (x) | 9.8276% | 2,430 |
| Efficiency ratio | 45.7299% | 6,599 |
| Assets per employee ($millions) | 7.1385% | 688 |
| Cash dividends to net income (ytd only)* | 30.0036% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 3,253 |
| Loan loss allowance to noncurrent loans | 468.8921% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 5,277 |
| Noncurrent loans to loans | 0.3295% | 5,395 |
| Net loans and leases to total assets | 80.3598% | 509 |
| Net loans and leases to deposits | 88.9552% | 1,275 |
| Net loans and leases to core deposits | 107.2849% | 696 |
| Total domestic deposits to total assets | 90.3375% | 828 |
| Equity capital to assets | 9.2642% | 4,844 |
| Core capital (leverage) ratio | 9.7950% | 3,962 |
| Tier 1 risk-based capital ratio | 11.1304% | 6,225 |
| Total risk-based capital ratio | 12.3834% | 6,187 |
| Memoranda: | ||
| Average total assets | $475,901,000 | 1,404 |
| Average earning assets | $447,842,750 | 1,367 |
| Average equity | $45,992,250 | 1,535 |
| Average total loans | $386,258,500 | 1,108 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5201% | 358 |
| Cost of funding earning assets | 0.7562% | 1,666 |
| Net interest margin | 4.7639% | 457 |
| Noninterest income to average assets | 0.8965% | 1,819 |
| Noninterest expense to average assets | 2.3660% | 5,158 |
| Loan and lease loss provision to assets | 0.3501% | 951 |
| Net operating income to assets | 1.6480% | 685 |
| Return on assets (ROA) | 1.6590% | 743 |
| Pretax return on assets | 2.6792% | 211 |
| Return on Equity (ROE) | 16.9120% | 562 |
| Retained earnings to average equity (ytd only) | 11.8367% | 525 |
| Net charge-offs to loans | 0.3978% | 1,623 |
| Credit loss provision to net charge-offs | 108.6667% | 2,045 |
| Earnings coverage of net charge-offs (x) | 9.3493% | 2,299 |
| Efficiency ratio | 43.9936% | 6,707 |
| Assets per employee ($millions) | 6.6711% | 839 |
| Cash dividends to net income (ytd only)* | 30.0104% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 3,156 |
| Loan loss allowance to noncurrent loans | 700.9901% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 5,556 |
| Noncurrent loans to loans | 0.2285% | 5,736 |
| Net loans and leases to total assets | 82.6579% | 315 |
| Net loans and leases to deposits | 92.3354% | 931 |
| Net loans and leases to core deposits | 110.4224% | 549 |
| Total domestic deposits to total assets | 89.5192% | 1,311 |
| Equity capital to assets | 9.7867% | 4,196 |
| Core capital (leverage) ratio | 10.2120% | 3,213 |
| Tier 1 risk-based capital ratio | 11.3241% | 6,189 |
| Total risk-based capital ratio | 12.5778% | 6,156 |
| Memoranda: | ||
| Average total assets | $465,590,000 | 1,430 |
| Average earning assets | $437,998,000 | 1,395 |
| Average equity | $45,671,670 | 1,550 |
| Average total loans | $377,117,330 | 1,132 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4943% | 373 |
| Cost of funding earning assets | 0.7742% | 1,683 |
| Net interest margin | 4.7201% | 460 |
| Noninterest income to average assets | 0.2392% | 5,749 |
| Noninterest expense to average assets | 2.4759% | 4,840 |
| Loan and lease loss provision to assets | 0.1083% | 2,887 |
| Net operating income to assets | 1.2862% | 1,320 |
| Return on assets (ROA) | 1.2895% | 1,410 |
| Pretax return on assets | 2.0877% | 504 |
| Return on Equity (ROE) | 13.1302% | 1,139 |
| Retained earnings to average equity (ytd only) | 9.1859% | 1,322 |
| Net charge-offs to loans | 0.4646% | 1,286 |
| Credit loss provision to net charge-offs | 29.3427% | 2,899 |
| Earnings coverage of net charge-offs (x) | 5.9343% | 2,302 |
| Efficiency ratio | 53.0548% | 6,300 |
| Assets per employee ($millions) | 6.6995% | 898 |
| Cash dividends to net income (ytd only)* | 30.0403% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 3,180 |
| Loan loss allowance to noncurrent loans | 855.5556% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 5,489 |
| Noncurrent loans to loans | 0.1934% | 5,918 |
| Net loans and leases to total assets | 77.2081% | 698 |
| Net loans and leases to deposits | 86.3456% | 1,316 |
| Net loans and leases to core deposits | 106.5439% | 623 |
| Total domestic deposits to total assets | 89.4175% | 1,403 |
| Equity capital to assets | 9.8917% | 4,290 |
| Core capital (leverage) ratio | 9.9160% | 3,507 |
| Tier 1 risk-based capital ratio | 11.7333% | 6,072 |
| Total risk-based capital ratio | 12.9873% | 6,045 |
| Memoranda: | ||
| Average total assets | $461,562,500 | 1,453 |
| Average earning assets | $432,960,000 | 1,417 |
| Average equity | $45,330,500 | 1,579 |
| Average total loans | $366,737,500 | 1,166 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7327% | 411 |
| Cost of funding earning assets | 0.9557% | 1,610 |
| Net interest margin | 4.7770% | 563 |
| Noninterest income to average assets | 0.4213% | 4,446 |
| Noninterest expense to average assets | 2.7884% | 4,065 |
| Loan and lease loss provision to assets | 0.4383% | 1,450 |
| Net operating income to assets | 1.1452% | 1,787 |
| Return on assets (ROA) | 1.2334% | 1,662 |
| Pretax return on assets | 1.8142% | 893 |
| Return on Equity (ROE) | 12.2236% | 1,438 |
| Retained earnings to average equity (ytd only) | 9.5916% | 680 |
| Net charge-offs to loans | 0.4856% | 2,287 |
| Credit loss provision to net charge-offs | 117.2762% | 2,456 |
| Earnings coverage of net charge-offs (x) | 5.6803% | 2,978 |
| Efficiency ratio | 56.7748% | 5,973 |
| Assets per employee ($millions) | 6.8785% | 814 |
| Cash dividends to net income (ytd only)* | 21.5323% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 2,925 |
| Loan loss allowance to noncurrent loans | 526.0217% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 5,282 |
| Noncurrent loans to loans | 0.3236% | 5,675 |
| Net loans and leases to total assets | 79.0383% | 559 |
| Net loans and leases to deposits | 88.1818% | 1,249 |
| Net loans and leases to core deposits | 109.3018% | 560 |
| Total domestic deposits to total assets | 89.6311% | 1,170 |
| Equity capital to assets | 9.7502% | 4,531 |
| Core capital (leverage) ratio | 9.9410% | 3,481 |
| Tier 1 risk-based capital ratio | 11.2976% | 6,216 |
| Total risk-based capital ratio | 12.5522% | 6,181 |
| Memoranda: | ||
| Average total assets | $424,371,600 | 1,547 |
| Average earning assets | $398,870,400 | 1,510 |
| Average equity | $42,818,800 | 1,627 |
| Average total loans | $326,599,200 | 1,290 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7444% | 426 |
| Cost of funding earning assets | 1.0058% | 1,523 |
| Net interest margin | 4.7385% | 621 |
| Noninterest income to average assets | 0.2463% | 5,792 |
| Noninterest expense to average assets | 2.7886% | 4,016 |
| Loan and lease loss provision to assets | 0.4238% | 1,499 |
| Net operating income to assets | 0.9834% | 2,595 |
| Return on assets (ROA) | 1.0830% | 2,357 |
| Pretax return on assets | 1.6411% | 1,448 |
| Return on Equity (ROE) | 10.6343% | 2,084 |
| Retained earnings to average equity (ytd only) | 9.9722% | 923 |
| Net charge-offs to loans | 0.5200% | 2,052 |
| Credit loss provision to net charge-offs | 107.2299% | 2,740 |
| Earnings coverage of net charge-offs (x) | 4.8424% | 3,191 |
| Efficiency ratio | 59.2995% | 5,613 |
| Assets per employee ($millions) | 6.3831% | 1,009 |
| Cash dividends to net income (ytd only)* | 6.2258% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 3,047 |
| Loan loss allowance to noncurrent loans | 468.0428% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 5,370 |
| Noncurrent loans to loans | 0.3689% | 5,741 |
| Net loans and leases to total assets | 79.1064% | 587 |
| Net loans and leases to deposits | 88.2956% | 1,316 |
| Net loans and leases to core deposits | 104.1619% | 857 |
| Total domestic deposits to total assets | 89.5927% | 1,075 |
| Equity capital to assets | 10.0036% | 4,488 |
| Core capital (leverage) ratio | 10.0195% | 3,509 |
| Tier 1 risk-based capital ratio | 11.5042% | 6,228 |
| Total risk-based capital ratio | 12.7590% | 6,193 |
| Memoranda: | ||
| Average total assets | $415,249,500 | 1,595 |
| Average earning assets | $390,517,750 | 1,552 |
| Average equity | $42,289,750 | 1,661 |
| Average total loans | $315,608,250 | 1,345 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6816% | 502 |
| Cost of funding earning assets | 1.0223% | 1,634 |
| Net interest margin | 4.6593% | 736 |
| Noninterest income to average assets | 0.2620% | 5,709 |
| Noninterest expense to average assets | 2.7759% | 4,112 |
| Loan and lease loss provision to assets | 0.4228% | 1,546 |
| Net operating income to assets | 0.9556% | 2,635 |
| Return on assets (ROA) | 1.0702% | 2,386 |
| Pretax return on assets | 1.6212% | 1,486 |
| Return on Equity (ROE) | 10.4412% | 2,199 |
| Retained earnings to average equity (ytd only) | 10.4412% | 864 |
| Net charge-offs to loans | 0.6338% | 1,731 |
| Credit loss provision to net charge-offs | 89.6767% | 3,060 |
| Earnings coverage of net charge-offs (x) | 3.9677% | 3,216 |
| Efficiency ratio | 59.7440% | 5,619 |
| Assets per employee ($millions) | 5.8036% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7787% | 2,929 |
| Loan loss allowance to noncurrent loans | 472.8287% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 5,435 |
| Noncurrent loans to loans | 0.3762% | 5,786 |
| Net loans and leases to total assets | 77.3427% | 805 |
| Net loans and leases to deposits | 86.3349% | 1,557 |
| Net loans and leases to core deposits | 103.4886% | 890 |
| Total domestic deposits to total assets | 89.5844% | 1,171 |
| Equity capital to assets | 10.1177% | 4,163 |
| Core capital (leverage) ratio | 10.4122% | 2,908 |
| Tier 1 risk-based capital ratio | 11.9072% | 5,989 |
| Total risk-based capital ratio | 13.1626% | 5,954 |
| Memoranda: | ||
| Average total assets | $406,855,330 | 1,621 |
| Average earning assets | $382,850,000 | 1,578 |
| Average equity | $41,700,000 | 1,678 |
| Average total loans | $302,633,670 | 1,400 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6875% | 528 |
| Cost of funding earning assets | 1.0579% | 1,630 |
| Net interest margin | 4.6295% | 780 |
| Noninterest income to average assets | 0.3132% | 5,377 |
| Noninterest expense to average assets | 2.7627% | 4,194 |
| Loan and lease loss provision to assets | 0.4517% | 1,367 |
| Net operating income to assets | 0.9611% | 2,634 |
| Return on assets (ROA) | 1.1334% | 2,126 |
| Pretax return on assets | 1.7177% | 1,263 |
| Return on Equity (ROE) | 10.9832% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.9832% | 1,032 |
| Net charge-offs to loans | 0.4625% | 1,933 |
| Credit loss provision to net charge-offs | 135.5422% | 1,814 |
| Earnings coverage of net charge-offs (x) | 5.7259% | 2,307 |
| Efficiency ratio | 59.1446% | 5,753 |
| Assets per employee ($millions) | 6.2212% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 2,060 |
| Loan loss allowance to noncurrent loans | 170.0111% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 1.1395% | 4,228 |
| Noncurrent loans to loans | 1.2453% | 4,257 |
| Net loans and leases to total assets | 70.3233% | 1,704 |
| Net loans and leases to deposits | 78.6966% | 2,384 |
| Net loans and leases to core deposits | 92.0601% | 1,644 |
| Total domestic deposits to total assets | 89.3601% | 1,449 |
| Equity capital to assets | 10.2944% | 3,735 |
| Core capital (leverage) ratio | 10.1908% | 3,117 |
| Tier 1 risk-based capital ratio | 13.3488% | 4,937 |
| Total risk-based capital ratio | 14.6080% | 4,918 |
| Memoranda: | ||
| Average total assets | $398,451,000 | 1,667 |
| Average earning assets | $375,069,500 | 1,616 |
| Average equity | $41,117,500 | 1,694 |
| Average total loans | $287,147,000 | 1,479 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8380% | 591 |
| Cost of funding earning assets | 1.2208% | 1,893 |
| Net interest margin | 4.6172% | 888 |
| Noninterest income to average assets | 0.1984% | 6,083 |
| Noninterest expense to average assets | 2.6213% | 5,011 |
| Loan and lease loss provision to assets | 1.0478% | 887 |
| Net operating income to assets | 0.5785% | 4,107 |
| Return on assets (ROA) | 0.6377% | 3,993 |
| Pretax return on assets | 0.9656% | 3,369 |
| Return on Equity (ROE) | 6.3706% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.3706% | 1,820 |
| Net charge-offs to loans | 1.2943% | 1,274 |
| Credit loss provision to net charge-offs | 111.9734% | 2,955 |
| Earnings coverage of net charge-offs (x) | 2.0557% | 4,240 |
| Efficiency ratio | 57.6752% | 6,093 |
| Assets per employee ($millions) | 6.4349% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1260% | 1,939 |
| Loan loss allowance to noncurrent loans | 154.8909% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 4,083 |
| Noncurrent loans to loans | 1.3726% | 4,084 |
| Net loans and leases to total assets | 70.7569% | 1,873 |
| Net loans and leases to deposits | 79.2022% | 2,656 |
| Net loans and leases to core deposits | 93.4224% | 1,757 |
| Total domestic deposits to total assets | 89.3370% | 1,337 |
| Equity capital to assets | 10.3450% | 3,717 |
| Core capital (leverage) ratio | 10.0017% | 3,341 |
| Tier 1 risk-based capital ratio | 13.2804% | 4,853 |
| Total risk-based capital ratio | 14.5399% | 4,827 |
| Memoranda: | ||
| Average total assets | $385,574,800 | 1,679 |
| Average earning assets | $362,968,400 | 1,630 |
| Average equity | $38,599,200 | 1,748 |
| Average total loans | $278,768,600 | 1,527 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8426% | 643 |
| Cost of funding earning assets | 1.2571% | 1,954 |
| Net interest margin | 4.5855% | 975 |
| Noninterest income to average assets | 0.2244% | 6,010 |
| Noninterest expense to average assets | 2.5382% | 5,323 |
| Loan and lease loss provision to assets | 1.0907% | 755 |
| Net operating income to assets | 0.6008% | 4,083 |
| Return on assets (ROA) | 0.6451% | 4,078 |
| Pretax return on assets | 0.9768% | 3,488 |
| Return on Equity (ROE) | 6.4990% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.4990% | 2,245 |
| Net charge-offs to loans | 1.1617% | 1,357 |
| Credit loss provision to net charge-offs | 129.8594% | 2,447 |
| Earnings coverage of net charge-offs (x) | 2.3817% | 3,934 |
| Efficiency ratio | 55.9238% | 6,290 |
| Assets per employee ($millions) | 6.6736% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2326% | 1,806 |
| Loan loss allowance to noncurrent loans | 407.6725% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 5,265 |
| Noncurrent loans to loans | 0.5476% | 5,771 |
| Net loans and leases to total assets | 71.5364% | 1,813 |
| Net loans and leases to deposits | 80.1214% | 2,634 |
| Net loans and leases to core deposits | 95.3587% | 1,664 |
| Total domestic deposits to total assets | 89.2850% | 1,265 |
| Equity capital to assets | 10.3977% | 3,835 |
| Core capital (leverage) ratio | 10.1266% | 3,278 |
| Tier 1 risk-based capital ratio | 13.2242% | 4,929 |
| Total risk-based capital ratio | 14.4850% | 4,894 |
| Memoranda: | ||
| Average total assets | $383,836,750 | 1,696 |
| Average earning assets | $361,130,000 | 1,643 |
| Average equity | $38,097,250 | 1,772 |
| Average total loans | $277,517,500 | 1,546 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7671% | 771 |
| Cost of funding earning assets | 1.3015% | 1,934 |
| Net interest margin | 4.4657% | 1,214 |
| Noninterest income to average assets | 0.2487% | 5,868 |
| Noninterest expense to average assets | 2.5368% | 5,408 |
| Loan and lease loss provision to assets | 0.9667% | 917 |
| Net operating income to assets | 0.6261% | 3,928 |
| Return on assets (ROA) | 0.6385% | 3,993 |
| Pretax return on assets | 0.9667% | 3,372 |
| Return on Equity (ROE) | 6.5381% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.5381% | 2,118 |
| Net charge-offs to loans | 0.9753% | 1,610 |
| Credit loss provision to net charge-offs | 137.6488% | 2,220 |
| Earnings coverage of net charge-offs (x) | 2.7262% | 3,479 |
| Efficiency ratio | 56.9903% | 6,298 |
| Assets per employee ($millions) | 6.7527% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1780% | 1,964 |
| Loan loss allowance to noncurrent loans | 226.6048% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.9782% | 4,908 |
| Noncurrent loans to loans | 0.9612% | 5,067 |
| Net loans and leases to total assets | 72.5337% | 1,680 |
| Net loans and leases to deposits | 81.0059% | 2,617 |
| Net loans and leases to core deposits | 98.7283% | 1,448 |
| Total domestic deposits to total assets | 89.5412% | 1,219 |
| Equity capital to assets | 10.2055% | 3,872 |
| Core capital (leverage) ratio | 9.8369% | 3,471 |
| Tier 1 risk-based capital ratio | 13.0033% | 4,909 |
| Total risk-based capital ratio | 14.2638% | 4,887 |
| Memoranda: | ||
| Average total assets | $382,760,330 | 1,709 |
| Average earning assets | $360,213,330 | 1,661 |
| Average equity | $37,381,000 | 1,793 |
| Average total loans | $275,618,000 | 1,575 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6092% | 1,037 |
| Cost of funding earning assets | 1.3610% | 1,825 |
| Net interest margin | 4.2483% | 1,751 |
| Noninterest income to average assets | 0.3054% | 5,486 |
| Noninterest expense to average assets | 2.3331% | 6,096 |
| Loan and lease loss provision to assets | 0.9868% | 785 |
| Net operating income to assets | 0.6337% | 3,843 |
| Return on assets (ROA) | 0.6337% | 3,915 |
| Pretax return on assets | 0.9609% | 3,283 |
| Return on Equity (ROE) | 6.6349% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.6349% | 2,312 |
| Net charge-offs to loans | 1.0789% | 1,273 |
| Credit loss provision to net charge-offs | 128.9009% | 2,147 |
| Earnings coverage of net charge-offs (x) | 2.5441% | 3,066 |
| Efficiency ratio | 54.5013% | 6,646 |
| Assets per employee ($millions) | 7.6251% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1427% | 2,094 |
| Loan loss allowance to noncurrent loans | 234.5301% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9529% | 4,991 |
| Noncurrent loans to loans | 0.9136% | 5,212 |
| Net loans and leases to total assets | 69.6460% | 2,193 |
| Net loans and leases to deposits | 77.4005% | 3,174 |
| Net loans and leases to core deposits | 96.6006% | 1,629 |
| Total domestic deposits to total assets | 89.9812% | 1,158 |
| Equity capital to assets | 9.7780% | 4,063 |
| Core capital (leverage) ratio | 9.5311% | 3,755 |
| Tier 1 risk-based capital ratio | 13.1210% | 4,733 |
| Total risk-based capital ratio | 14.3805% | 4,706 |
| Memoranda: | ||
| Average total assets | $385,065,500 | 1,713 |
| Average earning assets | $360,334,500 | 1,667 |
| Average equity | $36,775,500 | 1,808 |
| Average total loans | $273,230,500 | 1,606 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0123% | 830 |
| Cost of funding earning assets | 1.6177% | 1,964 |
| Net interest margin | 4.3946% | 1,491 |
| Noninterest income to average assets | 0.3060% | 5,606 |
| Noninterest expense to average assets | 2.2482% | 6,485 |
| Loan and lease loss provision to assets | 1.1093% | 1,438 |
| Net operating income to assets | 0.8486% | 2,594 |
| Return on assets (ROA) | 0.9224% | 2,431 |
| Pretax return on assets | 1.2378% | 2,110 |
| Return on Equity (ROE) | 9.6553% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.6553% | 580 |
| Net charge-offs to loans | 2.0385% | 988 |
| Credit loss provision to net charge-offs | 70.8448% | 5,843 |
| Earnings coverage of net charge-offs (x) | 1.4361% | 4,682 |
| Efficiency ratio | 49.9940% | 7,128 |
| Assets per employee ($millions) | 7.4784% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0358% | 2,211 |
| Loan loss allowance to noncurrent loans | 246.7401% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.8805% | 5,253 |
| Noncurrent loans to loans | 0.8251% | 5,399 |
| Net loans and leases to total assets | 69.3067% | 2,706 |
| Net loans and leases to deposits | 76.6870% | 3,736 |
| Net loans and leases to core deposits | 98.6653% | 1,731 |
| Total domestic deposits to total assets | 90.3761% | 900 |
| Equity capital to assets | 9.3274% | 4,650 |
| Core capital (leverage) ratio | 9.4021% | 3,845 |
| Tier 1 risk-based capital ratio | 12.7100% | 4,856 |
| Total risk-based capital ratio | 13.9686% | 4,819 |
| Memoranda: | ||
| Average total assets | $371,946,800 | 1,773 |
| Average earning assets | $354,708,400 | 1,695 |
| Average equity | $35,534,800 | 1,862 |
| Average total loans | $285,703,200 | 1,570 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0673% | 812 |
| Cost of funding earning assets | 1.6610% | 2,041 |
| Net interest margin | 4.4063% | 1,507 |
| Noninterest income to average assets | 0.2933% | 5,783 |
| Noninterest expense to average assets | 2.2821% | 6,384 |
| Loan and lease loss provision to assets | 0.9076% | 1,669 |
| Net operating income to assets | 0.8791% | 2,702 |
| Return on assets (ROA) | 0.9373% | 2,600 |
| Pretax return on assets | 1.4203% | 1,825 |
| Return on Equity (ROE) | 9.7497% | 2,229 |
| Retained earnings to average equity (ytd only) | 9.7497% | 854 |
| Net charge-offs to loans | 1.5657% | 1,274 |
| Credit loss provision to net charge-offs | 73.9220% | 5,317 |
| Earnings coverage of net charge-offs (x) | 1.8243% | 4,343 |
| Efficiency ratio | 50.4691% | 7,118 |
| Assets per employee ($millions) | 7.1358% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2407% | 1,720 |
| Loan loss allowance to noncurrent loans | 184.4208% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0643% | 4,984 |
| Noncurrent loans to loans | 1.2150% | 4,817 |
| Net loans and leases to total assets | 74.0165% | 1,800 |
| Net loans and leases to deposits | 82.3361% | 3,040 |
| Net loans and leases to core deposits | 107.7716% | 1,181 |
| Total domestic deposits to total assets | 89.8955% | 930 |
| Equity capital to assets | 9.6976% | 4,550 |
| Core capital (leverage) ratio | 9.5965% | 3,769 |
| Tier 1 risk-based capital ratio | 12.2589% | 5,211 |
| Total risk-based capital ratio | 13.5205% | 5,178 |
| Memoranda: | ||
| Average total assets | $367,714,250 | 1,804 |
| Average earning assets | $352,878,750 | 1,723 |
| Average equity | $35,350,500 | 1,892 |
| Average total loans | $288,349,250 | 1,566 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1285% | 715 |
| Cost of funding earning assets | 1.7258% | 1,988 |
| Net interest margin | 4.4027% | 1,436 |
| Noninterest income to average assets | 0.1988% | 6,480 |
| Noninterest expense to average assets | 2.2574% | 6,483 |
| Loan and lease loss provision to assets | 0.8083% | 1,788 |
| Net operating income to assets | 0.8965% | 2,563 |
| Return on assets (ROA) | 0.9846% | 2,335 |
| Pretax return on assets | 1.4914% | 1,579 |
| Return on Equity (ROE) | 10.2725% | 2,002 |
| Retained earnings to average equity (ytd only) | 10.2725% | 786 |
| Net charge-offs to loans | 1.7127% | 1,091 |
| Credit loss provision to net charge-offs | 59.4747% | 5,216 |
| Earnings coverage of net charge-offs (x) | 1.5939% | 4,299 |
| Efficiency ratio | 51.0303% | 7,146 |
| Assets per employee ($millions) | 7.1047% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1672% | 1,834 |
| Loan loss allowance to noncurrent loans | 150.2267% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 1.1566% | 4,815 |
| Noncurrent loans to loans | 1.4426% | 4,549 |
| Net loans and leases to total assets | 78.4378% | 1,039 |
| Net loans and leases to deposits | 87.4276% | 2,271 |
| Net loans and leases to core deposits | 113.1827% | 969 |
| Total domestic deposits to total assets | 89.7174% | 1,065 |
| Equity capital to assets | 9.8995% | 4,143 |
| Core capital (leverage) ratio | 9.5918% | 3,685 |
| Tier 1 risk-based capital ratio | 11.9756% | 5,334 |
| Total risk-based capital ratio | 13.2365% | 5,289 |
| Memoranda: | ||
| Average total assets | $364,220,000 | 1,837 |
| Average earning assets | $349,513,330 | 1,748 |
| Average equity | $34,908,670 | 1,914 |
| Average total loans | $289,017,670 | 1,586 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1518% | 705 |
| Cost of funding earning assets | 1.8131% | 1,823 |
| Net interest margin | 4.3387% | 1,570 |
| Noninterest income to average assets | 0.2289% | 6,320 |
| Noninterest expense to average assets | 2.2073% | 6,668 |
| Loan and lease loss provision to assets | 0.6813% | 1,871 |
| Net operating income to assets | 0.9834% | 2,245 |
| Return on assets (ROA) | 1.1020% | 1,910 |
| Pretax return on assets | 1.6694% | 1,119 |
| Return on Equity (ROE) | 11.6882% | 1,589 |
| Retained earnings to average equity (ytd only) | 11.6882% | 800 |
| Net charge-offs to loans | 1.8663% | 925 |
| Credit loss provision to net charge-offs | 46.2454% | 4,537 |
| Earnings coverage of net charge-offs (x) | 1.4736% | 3,853 |
| Efficiency ratio | 50.4128% | 7,284 |
| Assets per employee ($millions) | 7.0746% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3134% | 1,560 |
| Loan loss allowance to noncurrent loans | 147.0259% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2395% | 4,699 |
| Noncurrent loans to loans | 1.5735% | 4,381 |
| Net loans and leases to total assets | 76.9484% | 1,339 |
| Net loans and leases to deposits | 85.5490% | 2,671 |
| Net loans and leases to core deposits | 113.9344% | 1,043 |
| Total domestic deposits to total assets | 89.9466% | 1,014 |
| Equity capital to assets | 9.6911% | 4,239 |
| Core capital (leverage) ratio | 9.3345% | 3,991 |
| Tier 1 risk-based capital ratio | 11.9254% | 5,276 |
| Total risk-based capital ratio | 13.1879% | 5,222 |
| Memoranda: | ||
| Average total assets | $365,159,000 | 1,878 |
| Average earning assets | $349,230,000 | 1,788 |
| Average equity | $34,428,000 | 1,965 |
| Average total loans | $288,272,000 | 1,633 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4859% | 688 |
| Cost of funding earning assets | 2.3906% | 1,333 |
| Net interest margin | 4.0953% | 2,473 |
| Noninterest income to average assets | 0.0751% | 7,377 |
| Noninterest expense to average assets | 2.2061% | 6,980 |
| Loan and lease loss provision to assets | 2.4852% | 799 |
| Net operating income to assets | -0.5630% | 6,238 |
| Return on assets (ROA) | -0.5351% | 6,210 |
| Pretax return on assets | -0.6590% | 6,147 |
| Return on Equity (ROE) | -5.8916% | 6,294 |
| Retained earnings to average equity (ytd only) | -5.8916% | 6,134 |
| Net charge-offs to loans | 1.5734% | 1,602 |
| Credit loss provision to net charge-offs | 189.1200% | 2,125 |
| Earnings coverage of net charge-offs (x) | 1.3634% | 4,767 |
| Efficiency ratio | 55.1846% | 7,111 |
| Assets per employee ($millions) | 6.9720% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4968% | 1,230 |
| Loan loss allowance to noncurrent loans | 326.2852% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 5,943 |
| Noncurrent loans to loans | 0.7652% | 5,738 |
| Net loans and leases to total assets | 77.1383% | 1,558 |
| Net loans and leases to deposits | 85.2804% | 3,031 |
| Net loans and leases to core deposits | 113.1562% | 2,579 |
| Total domestic deposits to total assets | 90.4526% | 760 |
| Equity capital to assets | 9.1715% | 4,887 |
| Core capital (leverage) ratio | 9.0358% | 4,364 |
| Tier 1 risk-based capital ratio | 11.2569% | 5,655 |
| Total risk-based capital ratio | 12.5217% | 5,591 |
| Memoranda: | ||
| Average total assets | $347,623,400 | 1,962 |
| Average earning assets | $332,967,400 | 1,866 |
| Average equity | $31,570,400 | 2,120 |
| Average total loans | $290,332,200 | 1,653 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5486% | 677 |
| Cost of funding earning assets | 2.4997% | 1,305 |
| Net interest margin | 4.0489% | 2,603 |
| Noninterest income to average assets | 0.0818% | 7,495 |
| Noninterest expense to average assets | 2.2251% | 6,908 |
| Loan and lease loss provision to assets | 1.8716% | 983 |
| Net operating income to assets | -0.1344% | 5,954 |
| Return on assets (ROA) | -0.0881% | 5,907 |
| Pretax return on assets | -0.0888% | 5,832 |
| Return on Equity (ROE) | -0.9723% | 5,925 |
| Retained earnings to average equity (ytd only) | -0.9723% | 5,482 |
| Net charge-offs to loans | 1.3313% | 1,537 |
| Credit loss provision to net charge-offs | 165.9641% | 2,835 |
| Earnings coverage of net charge-offs (x) | 1.5394% | 4,633 |
| Efficiency ratio | 56.1731% | 6,977 |
| Assets per employee ($millions) | 6.6823% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7184% | 2,555 |
| Loan loss allowance to noncurrent loans | 239.8226% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5936% | 5,969 |
| Noncurrent loans to loans | 0.7165% | 5,872 |
| Net loans and leases to total assets | 81.4218% | 910 |
| Net loans and leases to deposits | 90.2835% | 2,521 |
| Net loans and leases to core deposits | 122.0460% | 2,068 |
| Total domestic deposits to total assets | 90.1847% | 701 |
| Equity capital to assets | 9.3584% | 4,941 |
| Core capital (leverage) ratio | 9.2015% | 4,335 |
| Tier 1 risk-based capital ratio | 10.9320% | 6,009 |
| Total risk-based capital ratio | 12.1874% | 5,969 |
| Memoranda: | ||
| Average total assets | $342,150,750 | 2,004 |
| Average earning assets | $327,815,500 | 1,910 |
| Average equity | $30,990,500 | 2,189 |
| Average total loans | $289,831,250 | 1,674 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5186% | 787 |
| Cost of funding earning assets | 2.6290% | 1,213 |
| Net interest margin | 3.8897% | 3,157 |
| Noninterest income to average assets | 0.0583% | 7,697 |
| Noninterest expense to average assets | 2.2220% | 7,001 |
| Loan and lease loss provision to assets | 1.5450% | 1,100 |
| Net operating income to assets | 0.0254% | 5,773 |
| Return on assets (ROA) | 0.0643% | 5,755 |
| Pretax return on assets | 0.0976% | 5,683 |
| Return on Equity (ROE) | 0.7185% | 5,721 |
| Retained earnings to average equity (ytd only) | 0.7185% | 4,905 |
| Net charge-offs to loans | 1.2825% | 1,445 |
| Credit loss provision to net charge-offs | 141.1093% | 3,304 |
| Earnings coverage of net charge-offs (x) | 1.4464% | 4,446 |
| Efficiency ratio | 58.3855% | 6,791 |
| Assets per employee ($millions) | 6.8532% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 4,039 |
| Loan loss allowance to noncurrent loans | 269.9661% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 6,411 |
| Noncurrent loans to loans | 0.4964% | 6,282 |
| Net loans and leases to total assets | 83.8837% | 655 |
| Net loans and leases to deposits | 92.2726% | 2,418 |
| Net loans and leases to core deposits | 122.7254% | 2,137 |
| Total domestic deposits to total assets | 90.9085% | 484 |
| Equity capital to assets | 8.5979% | 5,895 |
| Core capital (leverage) ratio | 8.7181% | 5,061 |
| Tier 1 risk-based capital ratio | 9.8146% | 7,117 |
| Total risk-based capital ratio | 11.0658% | 7,061 |
| Memoranda: | ||
| Average total assets | $335,920,000 | 2,064 |
| Average earning assets | $323,626,330 | 1,960 |
| Average equity | $30,064,330 | 2,259 |
| Average total loans | $286,794,330 | 1,721 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4614% | 932 |
| Cost of funding earning assets | 2.7997% | 981 |
| Net interest margin | 3.6616% | 4,053 |
| Noninterest income to average assets | 0.0207% | 7,972 |
| Noninterest expense to average assets | 2.1889% | 6,899 |
| Loan and lease loss provision to assets | 1.1862% | 1,092 |
| Net operating income to assets | 0.1345% | 5,871 |
| Return on assets (ROA) | 0.2139% | 5,776 |
| Pretax return on assets | 0.3233% | 5,611 |
| Return on Equity (ROE) | 2.3411% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.3411% | 4,574 |
| Net charge-offs to loans | 1.1136% | 1,224 |
| Credit loss provision to net charge-offs | 124.4898% | 3,191 |
| Earnings coverage of net charge-offs (x) | 1.4579% | 4,004 |
| Efficiency ratio | 61.1753% | 6,221 |
| Assets per employee ($millions) | 6.9011% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 4,803 |
| Loan loss allowance to noncurrent loans | 123.8233% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8338% | 5,107 |
| Noncurrent loans to loans | 0.9693% | 5,057 |
| Net loans and leases to total assets | 84.9867% | 550 |
| Net loans and leases to deposits | 93.9888% | 2,265 |
| Net loans and leases to core deposits | 119.8166% | 2,430 |
| Total domestic deposits to total assets | 90.4221% | 626 |
| Equity capital to assets | 9.1051% | 5,218 |
| Core capital (leverage) ratio | 8.9270% | 4,827 |
| Tier 1 risk-based capital ratio | 10.2471% | 6,649 |
| Total risk-based capital ratio | 11.4426% | 6,635 |
| Memoranda: | ||
| Average total assets | $329,122,500 | 2,119 |
| Average earning assets | $319,747,000 | 1,991 |
| Average equity | $30,071,000 | 2,270 |
| Average total loans | $281,607,500 | 1,769 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1224% | 881 |
| Cost of funding earning assets | 3.0477% | 1,693 |
| Net interest margin | 4.0747% | 2,816 |
| Noninterest income to average assets | 0.1056% | 7,607 |
| Noninterest expense to average assets | 2.4817% | 6,084 |
| Loan and lease loss provision to assets | 1.2808% | 1,113 |
| Net operating income to assets | 0.1845% | 5,896 |
| Return on assets (ROA) | 0.1845% | 5,726 |
| Pretax return on assets | 0.2826% | 5,543 |
| Return on Equity (ROE) | 1.9275% | 5,640 |
| Retained earnings to average equity (ytd only) | 1.9275% | 4,032 |
| Net charge-offs to loans | 0.8565% | 1,463 |
| Credit loss provision to net charge-offs | 175.6337% | 2,893 |
| Earnings coverage of net charge-offs (x) | 2.1438% | 5,000 |
| Efficiency ratio | 61.3505% | 6,097 |
| Assets per employee ($millions) | 6.5398% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 4,846 |
| Loan loss allowance to noncurrent loans | 384.7437% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 6,551 |
| Noncurrent loans to loans | 0.3015% | 6,475 |
| Net loans and leases to total assets | 84.1140% | 868 |
| Net loans and leases to deposits | 93.0993% | 2,942 |
| Net loans and leases to core deposits | 116.1370% | 3,106 |
| Total domestic deposits to total assets | 90.3487% | 536 |
| Equity capital to assets | 9.1687% | 5,129 |
| Core capital (leverage) ratio | 9.0994% | 4,596 |
| Tier 1 risk-based capital ratio | 11.0536% | 5,678 |
| Total risk-based capital ratio | 12.2792% | 5,598 |
| Memoranda: | ||
| Average total assets | $265,065,200 | 2,419 |
| Average earning assets | $256,262,200 | 2,313 |
| Average equity | $25,369,800 | 2,615 |
| Average total loans | $225,692,200 | 2,075 |