Home > Extraco Banks > Performance and Condition Ratios
Extraco Banks, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 3,368 |
| Cost of funding earning assets | 2.0717% | 1,731 |
| Net interest margin | 2.7792% | 3,741 |
| Noninterest income to average assets | 0.7100% | 1,015 |
| Noninterest expense to average assets | 2.5510% | 2,158 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 0.6820% | 3,155 |
| Return on assets (ROA) | 0.6894% | 3,150 |
| Pretax return on assets | 0.6894% | 3,414 |
| Return on Equity (ROE) | 8.4600% | 2,750 |
| Retained earnings to average equity (ytd only) | 4.4025% | 2,740 |
| Net charge-offs to loans | 0.0428% | 1,239 |
| Credit loss provision to net charge-offs | 460.9929% | 557 |
| Earnings coverage of net charge-offs (x) | 33.8652% | 1,179 |
| Efficiency ratio | 76.3672% | 1,215 |
| Assets per employee ($millions) | 8.6258% | 1,250 |
| Cash dividends to net income (ytd only)* | 47.9616% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3217% | 256 |
| Loan loss allowance to noncurrent loans | 2,597.4705% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,339 |
| Noncurrent loans to loans | 0.0894% | 3,216 |
| Net loans and leases to total assets | 52.3500% | 3,445 |
| Net loans and leases to deposits | 65.1430% | 3,191 |
| Net loans and leases to core deposits | 67.4264% | 3,414 |
| Total domestic deposits to total assets | 80.3700% | 3,559 |
| Equity capital to assets | 7.9655% | 3,609 |
| Core capital (leverage) ratio | 8.2418% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9707% | 1,277 |
| Memoranda: | ||
| Average total assets | $2,419,446,500 | 517 |
| Average earning assets | $2,291,013,000 | 502 |
| Average equity | $197,159,500 | 600 |
| Average total loans | $1,318,464,000 | 624 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 3,258 |
| Cost of funding earning assets | 2.1574% | 1,834 |
| Net interest margin | 2.7422% | 3,569 |
| Noninterest income to average assets | 0.7500% | 1,034 |
| Noninterest expense to average assets | 2.5326% | 2,214 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.7651% | 2,792 |
| Return on assets (ROA) | 0.7646% | 2,810 |
| Pretax return on assets | 0.7646% | 3,128 |
| Return on Equity (ROE) | 9.3100% | 2,365 |
| Retained earnings to average equity (ytd only) | 5.2200% | 2,141 |
| Net charge-offs to loans | 0.0727% | 1,404 |
| Credit loss provision to net charge-offs | 127.3312% | 1,585 |
| Earnings coverage of net charge-offs (x) | 20.8660% | 1,800 |
| Efficiency ratio | 75.5939% | 1,410 |
| Assets per employee ($millions) | 8.0934% | 1,483 |
| Cash dividends to net income (ytd only)* | 43.9440% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3126% | 247 |
| Loan loss allowance to noncurrent loans | 3,385.1397% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,408 |
| Noncurrent loans to loans | 0.0683% | 3,302 |
| Net loans and leases to total assets | 54.1500% | 3,387 |
| Net loans and leases to deposits | 67.7666% | 3,091 |
| Net loans and leases to core deposits | 69.8785% | 3,366 |
| Total domestic deposits to total assets | 79.9100% | 3,574 |
| Equity capital to assets | 8.3411% | 3,315 |
| Core capital (leverage) ratio | 8.2032% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9234% | 1,278 |
| Memoranda: | ||
| Average total assets | $2,380,952,400 | 505 |
| Average earning assets | $2,253,826,200 | 490 |
| Average equity | $195,498,600 | 585 |
| Average total loans | $1,283,957,000 | 624 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 3,242 |
| Cost of funding earning assets | 2.1765% | 1,796 |
| Net interest margin | 2.6979% | 3,597 |
| Noninterest income to average assets | 0.7500% | 990 |
| Noninterest expense to average assets | 2.5371% | 2,134 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.7293% | 2,901 |
| Return on assets (ROA) | 0.7309% | 2,915 |
| Pretax return on assets | 0.7309% | 3,185 |
| Return on Equity (ROE) | 8.9400% | 2,488 |
| Retained earnings to average equity (ytd only) | 4.8359% | 2,533 |
| Net charge-offs to loans | 0.0615% | 1,289 |
| Credit loss provision to net charge-offs | 107.8098% | 1,583 |
| Earnings coverage of net charge-offs (x) | 23.3413% | 1,658 |
| Efficiency ratio | 76.7531% | 1,331 |
| Assets per employee ($millions) | 8.3493% | 1,324 |
| Cash dividends to net income (ytd only)* | 45.8856% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3128% | 263 |
| Loan loss allowance to noncurrent loans | 2,448.1692% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,372 |
| Noncurrent loans to loans | 0.0945% | 3,217 |
| Net loans and leases to total assets | 52.4900% | 3,515 |
| Net loans and leases to deposits | 65.1673% | 3,290 |
| Net loans and leases to core deposits | 67.2137% | 3,520 |
| Total domestic deposits to total assets | 80.5400% | 3,382 |
| Equity capital to assets | 8.0849% | 3,655 |
| Core capital (leverage) ratio | 7.8312% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7538% | 1,346 |
| Memoranda: | ||
| Average total assets | $2,385,371,750 | 499 |
| Average earning assets | $2,257,559,000 | 485 |
| Average equity | $195,092,250 | 580 |
| Average total loans | $1,277,430,000 | 622 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 3,412 |
| Cost of funding earning assets | 2.1030% | 1,864 |
| Net interest margin | 2.6257% | 3,706 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.5558% | 2,077 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.6634% | 3,034 |
| Return on assets (ROA) | 0.6618% | 3,062 |
| Pretax return on assets | 0.6618% | 3,307 |
| Return on Equity (ROE) | 8.0600% | 2,716 |
| Retained earnings to average equity (ytd only) | 3.9544% | 2,724 |
| Net charge-offs to loans | 0.0613% | 1,154 |
| Credit loss provision to net charge-offs | 47.5578% | 1,832 |
| Earnings coverage of net charge-offs (x) | 20.8792% | 1,610 |
| Efficiency ratio | 78.8776% | 1,214 |
| Assets per employee ($millions) | 8.2671% | 1,306 |
| Cash dividends to net income (ytd only)* | 50.9359% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2824% | 287 |
| Loan loss allowance to noncurrent loans | 2,366.2173% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,313 |
| Noncurrent loans to loans | 0.0965% | 3,165 |
| Net loans and leases to total assets | 52.2000% | 3,533 |
| Net loans and leases to deposits | 65.3159% | 3,293 |
| Net loans and leases to core deposits | 67.3703% | 3,489 |
| Total domestic deposits to total assets | 79.9300% | 3,458 |
| Equity capital to assets | 8.0078% | 3,422 |
| Core capital (leverage) ratio | 8.0334% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3772% | 1,423 |
| Memoranda: | ||
| Average total assets | $2,373,392,667 | 500 |
| Average earning assets | $2,248,063,333 | 484 |
| Average equity | $194,869,667 | 582 |
| Average total loans | $1,269,590,667 | 629 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 3,360 |
| Cost of funding earning assets | 2.0674% | 1,847 |
| Net interest margin | 2.6171% | 3,694 |
| Noninterest income to average assets | 0.7800% | 861 |
| Noninterest expense to average assets | 2.5828% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6757% | 2,916 |
| Return on assets (ROA) | 0.6735% | 2,944 |
| Pretax return on assets | 0.6735% | 3,225 |
| Return on Equity (ROE) | 8.1000% | 2,663 |
| Retained earnings to average equity (ytd only) | 3.9809% | 2,721 |
| Net charge-offs to loans | 0.0566% | 990 |
| Credit loss provision to net charge-offs | -36.7232% | 4,459 |
| Earnings coverage of net charge-offs (x) | 22.2994% | 1,311 |
| Efficiency ratio | 79.2634% | 1,255 |
| Assets per employee ($millions) | 7.5277% | 1,752 |
| Cash dividends to net income (ytd only)* | 50.8388% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3537% | 236 |
| Loan loss allowance to noncurrent loans | 1,307.0175% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 2,979 |
| Noncurrent loans to loans | 0.1801% | 2,722 |
| Net loans and leases to total assets | 52.8100% | 3,433 |
| Net loans and leases to deposits | 67.1267% | 3,099 |
| Net loans and leases to core deposits | 69.1641% | 3,374 |
| Total domestic deposits to total assets | 78.6700% | 3,714 |
| Equity capital to assets | 8.3555% | 3,113 |
| Core capital (leverage) ratio | 8.1604% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5353% | 1,387 |
| Memoranda: | ||
| Average total assets | $2,336,564,000 | 511 |
| Average earning assets | $2,216,476,500 | 490 |
| Average equity | $194,327,500 | 586 |
| Average total loans | $1,250,740,000 | 639 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 3,250 |
| Cost of funding earning assets | 1.5234% | 1,882 |
| Net interest margin | 2.8917% | 3,507 |
| Noninterest income to average assets | 0.9800% | 657 |
| Noninterest expense to average assets | 2.5883% | 2,040 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0837% | 1,964 |
| Return on assets (ROA) | 0.7781% | 2,925 |
| Pretax return on assets | 0.7781% | 3,261 |
| Return on Equity (ROE) | 9.2300% | 2,698 |
| Retained earnings to average equity (ytd only) | 5.1714% | 2,549 |
| Net charge-offs to loans | 0.0359% | 1,589 |
| Credit loss provision to net charge-offs | 263.1579% | 1,035 |
| Earnings coverage of net charge-offs (x) | 59.4713% | 1,194 |
| Efficiency ratio | 69.5374% | 1,945 |
| Assets per employee ($millions) | 7.5470% | 1,700 |
| Cash dividends to net income (ytd only)* | 43.9625% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4318% | 209 |
| Loan loss allowance to noncurrent loans | 1,229.2144% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 2,832 |
| Noncurrent loans to loans | 0.1978% | 2,523 |
| Net loans and leases to total assets | 51.6900% | 3,499 |
| Net loans and leases to deposits | 64.7412% | 3,251 |
| Net loans and leases to core deposits | 66.4924% | 3,477 |
| Total domestic deposits to total assets | 79.8300% | 3,489 |
| Equity capital to assets | 8.2780% | 3,220 |
| Core capital (leverage) ratio | 8.2194% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7683% | 1,324 |
| Memoranda: | ||
| Average total assets | $2,192,424,400 | 520 |
| Average earning assets | $2,075,602,600 | 503 |
| Average equity | $184,863,800 | 575 |
| Average total loans | $1,164,633,200 | 649 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3119% | 3,270 |
| Cost of funding earning assets | 1.3615% | 1,969 |
| Net interest margin | 2.9504% | 3,430 |
| Noninterest income to average assets | 0.9500% | 695 |
| Noninterest expense to average assets | 2.6090% | 1,919 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0613% | 2,179 |
| Return on assets (ROA) | 0.8331% | 2,908 |
| Pretax return on assets | 0.8331% | 3,259 |
| Return on Equity (ROE) | 9.8300% | 2,689 |
| Retained earnings to average equity (ytd only) | 5.7294% | 2,708 |
| Net charge-offs to loans | 0.0339% | 1,407 |
| Credit loss provision to net charge-offs | 376.7123% | 745 |
| Earnings coverage of net charge-offs (x) | 62.5788% | 1,184 |
| Efficiency ratio | 69.7922% | 1,811 |
| Assets per employee ($millions) | 7.3059% | 1,752 |
| Cash dividends to net income (ytd only)* | 41.7254% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4936% | 198 |
| Loan loss allowance to noncurrent loans | 2,032.8167% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 3,179 |
| Noncurrent loans to loans | 0.1227% | 2,946 |
| Net loans and leases to total assets | 51.7500% | 3,514 |
| Net loans and leases to deposits | 65.4712% | 3,178 |
| Net loans and leases to core deposits | 67.1930% | 3,366 |
| Total domestic deposits to total assets | 79.0400% | 3,688 |
| Equity capital to assets | 8.1934% | 2,930 |
| Core capital (leverage) ratio | 8.2970% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8036% | 1,371 |
| Memoranda: | ||
| Average total assets | $2,157,524,750 | 532 |
| Average earning assets | $2,041,545,000 | 513 |
| Average equity | $182,818,500 | 574 |
| Average total loans | $1,146,948,250 | 656 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 3,334 |
| Cost of funding earning assets | 1.1565% | 2,119 |
| Net interest margin | 3.0266% | 3,362 |
| Noninterest income to average assets | 1.0100% | 559 |
| Noninterest expense to average assets | 2.6456% | 1,807 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1888% | 1,855 |
| Return on assets (ROA) | 0.8437% | 2,955 |
| Pretax return on assets | 0.8437% | 3,293 |
| Return on Equity (ROE) | 9.8400% | 2,758 |
| Retained earnings to average equity (ytd only) | 5.7079% | 2,726 |
| Net charge-offs to loans | 0.0414% | 1,101 |
| Credit loss provision to net charge-offs | 193.1330% | 1,068 |
| Earnings coverage of net charge-offs (x) | 55.9356% | 1,228 |
| Efficiency ratio | 68.2393% | 1,958 |
| Assets per employee ($millions) | 6.7672% | 2,088 |
| Cash dividends to net income (ytd only)* | 41.9933% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5579% | 201 |
| Loan loss allowance to noncurrent loans | 1,909.4254% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,061 |
| Noncurrent loans to loans | 0.1340% | 2,800 |
| Net loans and leases to total assets | 51.8700% | 3,421 |
| Net loans and leases to deposits | 65.1904% | 3,110 |
| Net loans and leases to core deposits | 66.9333% | 3,294 |
| Total domestic deposits to total assets | 79.5700% | 3,638 |
| Equity capital to assets | 8.5972% | 2,782 |
| Core capital (leverage) ratio | 8.4849% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3433% | 1,251 |
| Memoranda: | ||
| Average total assets | $2,116,886,667 | 532 |
| Average earning assets | $2,002,341,333 | 511 |
| Average equity | $181,503,667 | 570 |
| Average total loans | $1,126,000,667 | 652 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 3,372 |
| Cost of funding earning assets | 0.8887% | 2,410 |
| Net interest margin | 3.1536% | 3,226 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.6843% | 1,718 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.0331% | 2,423 |
| Return on assets (ROA) | 1.0371% | 2,382 |
| Pretax return on assets | 1.0371% | 2,895 |
| Return on Equity (ROE) | 12.1100% | 2,190 |
| Retained earnings to average equity (ytd only) | 7.9205% | 2,247 |
| Net charge-offs to loans | 0.0551% | 816 |
| Credit loss provision to net charge-offs | 294.1176% | 701 |
| Earnings coverage of net charge-offs (x) | 38.2092% | 1,206 |
| Efficiency ratio | 70.5728% | 1,694 |
| Assets per employee ($millions) | 6.8689% | 2,064 |
| Cash dividends to net income (ytd only)* | 34.6133% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6418% | 196 |
| Loan loss allowance to noncurrent loans | 1,967.9496% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 3,107 |
| Noncurrent loans to loans | 0.1342% | 2,839 |
| Net loans and leases to total assets | 50.3500% | 3,462 |
| Net loans and leases to deposits | 60.8558% | 3,286 |
| Net loans and leases to core deposits | 62.2821% | 3,432 |
| Total domestic deposits to total assets | 82.7400% | 3,345 |
| Equity capital to assets | 8.2968% | 3,041 |
| Core capital (leverage) ratio | 8.7253% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5478% | 1,251 |
| Memoranda: | ||
| Average total assets | $2,089,195,000 | 550 |
| Average earning assets | $1,976,016,000 | 529 |
| Average equity | $178,878,500 | 588 |
| Average total loans | $1,110,847,500 | 663 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1487% | 3,907 |
| Cost of funding earning assets | 0.2857% | 2,994 |
| Net interest margin | 2.8629% | 3,765 |
| Noninterest income to average assets | 1.0700% | 568 |
| Noninterest expense to average assets | 2.5301% | 2,024 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2405% | 1,624 |
| Return on assets (ROA) | 0.8966% | 2,907 |
| Pretax return on assets | 0.8966% | 3,365 |
| Return on Equity (ROE) | 10.9200% | 2,499 |
| Retained earnings to average equity (ytd only) | 6.5278% | 2,440 |
| Net charge-offs to loans | -0.0448% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.7597% | 2,116 |
| Assets per employee ($millions) | 6.4768% | 2,353 |
| Cash dividends to net income (ytd only)* | 40.2188% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6713% | 178 |
| Loan loss allowance to noncurrent loans | 5,178.1305% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,533 |
| Noncurrent loans to loans | 0.0516% | 3,389 |
| Net loans and leases to total assets | 53.2800% | 3,256 |
| Net loans and leases to deposits | 63.1707% | 3,101 |
| Net loans and leases to core deposits | 64.0289% | 3,263 |
| Total domestic deposits to total assets | 84.3400% | 3,139 |
| Equity capital to assets | 8.8489% | 2,455 |
| Core capital (leverage) ratio | 8.6767% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4438% | 1,253 |
| Memoranda: | ||
| Average total assets | $2,079,786,600 | 527 |
| Average earning assets | $1,973,634,600 | 510 |
| Average equity | $170,776,800 | 609 |
| Average total loans | $1,047,922,600 | 657 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9085% | 4,047 |
| Cost of funding earning assets | 0.2130% | 3,115 |
| Net interest margin | 2.6955% | 3,938 |
| Noninterest income to average assets | 1.1600% | 530 |
| Noninterest expense to average assets | 2.4628% | 2,118 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2331% | 1,574 |
| Return on assets (ROA) | 1.1559% | 1,849 |
| Pretax return on assets | 1.1559% | 2,541 |
| Return on Equity (ROE) | 14.3400% | 1,340 |
| Retained earnings to average equity (ytd only) | 9.9067% | 1,370 |
| Net charge-offs to loans | -0.0666% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.1810% | 2,253 |
| Assets per employee ($millions) | 7.0011% | 1,939 |
| Cash dividends to net income (ytd only)* | 30.9304% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7431% | 174 |
| Loan loss allowance to noncurrent loans | 9,395.5272% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,822 |
| Noncurrent loans to loans | 0.0292% | 3,688 |
| Net loans and leases to total assets | 48.6700% | 3,556 |
| Net loans and leases to deposits | 56.6195% | 3,430 |
| Net loans and leases to core deposits | 57.5271% | 3,531 |
| Total domestic deposits to total assets | 85.9600% | 3,073 |
| Equity capital to assets | 8.1441% | 2,801 |
| Core capital (leverage) ratio | 8.5812% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8827% | 1,200 |
| Memoranda: | ||
| Average total assets | $2,097,781,000 | 526 |
| Average earning assets | $1,992,964,250 | 509 |
| Average equity | $169,053,750 | 618 |
| Average total loans | $1,035,135,250 | 661 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7164% | 4,117 |
| Cost of funding earning assets | 0.1576% | 3,484 |
| Net interest margin | 2.5588% | 3,981 |
| Noninterest income to average assets | 1.3393% | 393 |
| Noninterest expense to average assets | 2.4716% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2973% | 1,142 |
| Return on assets (ROA) | 1.2863% | 1,161 |
| Pretax return on assets | 1.2863% | 1,790 |
| Return on Equity (ROE) | 16.0195% | 696 |
| Retained earnings to average equity (ytd only) | 11.5351% | 691 |
| Net charge-offs to loans | -0.1111% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5788% | 2,565 |
| Assets per employee ($millions) | 6.7993% | 2,070 |
| Cash dividends to net income (ytd only)* | 27.9934% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7487% | 185 |
| Loan loss allowance to noncurrent loans | 10,089.9306% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 3,885 |
| Noncurrent loans to loans | 0.0272% | 3,755 |
| Net loans and leases to total assets | 49.2548% | 3,444 |
| Net loans and leases to deposits | 57.5671% | 3,260 |
| Net loans and leases to core deposits | 58.3409% | 3,403 |
| Total domestic deposits to total assets | 85.5608% | 3,361 |
| Equity capital to assets | 8.0809% | 3,057 |
| Core capital (leverage) ratio | 8.4055% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8139% | 1,219 |
| Memoranda: | ||
| Average total assets | $2,082,928,000 | 522 |
| Average earning assets | $1,977,822,000 | 512 |
| Average equity | $167,246,667 | 633 |
| Average total loans | $1,022,825,000 | 662 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5710% | 4,175 |
| Cost of funding earning assets | 0.1526% | 3,474 |
| Net interest margin | 2.4184% | 4,037 |
| Noninterest income to average assets | 0.9428% | 771 |
| Noninterest expense to average assets | 2.4649% | 1,972 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7782% | 2,737 |
| Return on assets (ROA) | 0.7653% | 2,785 |
| Pretax return on assets | 0.7653% | 3,213 |
| Return on Equity (ROE) | 9.5622% | 2,134 |
| Retained earnings to average equity (ytd only) | 5.0585% | 2,573 |
| Net charge-offs to loans | 0.0147% | 1,248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 109.4054% | 646 |
| Efficiency ratio | 76.0047% | 1,520 |
| Assets per employee ($millions) | 6.8920% | 2,076 |
| Cash dividends to net income (ytd only)* | 47.0987% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7916% | 194 |
| Loan loss allowance to noncurrent loans | 7,732.0652% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,883 |
| Noncurrent loans to loans | 0.0361% | 3,723 |
| Net loans and leases to total assets | 46.6774% | 3,518 |
| Net loans and leases to deposits | 54.4534% | 3,384 |
| Net loans and leases to core deposits | 55.2899% | 3,502 |
| Total domestic deposits to total assets | 85.7200% | 3,337 |
| Equity capital to assets | 7.6571% | 3,824 |
| Core capital (leverage) ratio | 8.1448% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6996% | 1,339 |
| Memoranda: | ||
| Average total assets | $2,080,698,000 | 528 |
| Average earning assets | $1,979,180,000 | 517 |
| Average equity | $166,530,500 | 650 |
| Average total loans | $1,005,638,500 | 662 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8240% | 4,175 |
| Cost of funding earning assets | 0.2279% | 3,160 |
| Net interest margin | 2.5960% | 4,055 |
| Noninterest income to average assets | 1.0772% | 888 |
| Noninterest expense to average assets | 2.6370% | 1,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9058% | 3,016 |
| Return on assets (ROA) | 0.9036% | 3,094 |
| Pretax return on assets | 0.9036% | 3,510 |
| Return on Equity (ROE) | 10.5471% | 2,327 |
| Retained earnings to average equity (ytd only) | 6.0436% | 2,342 |
| Net charge-offs to loans | 0.0154% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 113.5935% | 820 |
| Efficiency ratio | 73.9908% | 1,305 |
| Assets per employee ($millions) | 6.5342% | 2,306 |
| Cash dividends to net income (ytd only)* | 42.6985% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8721% | 169 |
| Loan loss allowance to noncurrent loans | 9,016.1392% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 3,983 |
| Noncurrent loans to loans | 0.0319% | 3,844 |
| Net loans and leases to total assets | 47.2611% | 3,574 |
| Net loans and leases to deposits | 55.6021% | 3,457 |
| Net loans and leases to core deposits | 56.4646% | 3,586 |
| Total domestic deposits to total assets | 84.9988% | 3,269 |
| Equity capital to assets | 8.3644% | 4,136 |
| Core capital (leverage) ratio | 8.2242% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2230% | 1,210 |
| Memoranda: | ||
| Average total assets | $1,943,880,800 | 548 |
| Average earning assets | $1,846,241,600 | 534 |
| Average equity | $166,539,200 | 652 |
| Average total loans | $1,006,761,200 | 652 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8909% | 4,188 |
| Cost of funding earning assets | 0.2526% | 3,097 |
| Net interest margin | 2.6383% | 4,077 |
| Noninterest income to average assets | 1.1449% | 870 |
| Noninterest expense to average assets | 2.6368% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0076% | 2,879 |
| Return on assets (ROA) | 1.0056% | 2,952 |
| Pretax return on assets | 1.0056% | 3,440 |
| Return on Equity (ROE) | 11.6639% | 2,155 |
| Retained earnings to average equity (ytd only) | 7.1335% | 2,362 |
| Net charge-offs to loans | 0.0181% | 1,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 105.9197% | 846 |
| Efficiency ratio | 71.7710% | 1,425 |
| Assets per employee ($millions) | 6.4921% | 2,253 |
| Cash dividends to net income (ytd only)* | 38.8413% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8849% | 174 |
| Loan loss allowance to noncurrent loans | 3,976.1506% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,918 |
| Noncurrent loans to loans | 0.0726% | 3,727 |
| Net loans and leases to total assets | 47.8409% | 3,640 |
| Net loans and leases to deposits | 56.2476% | 3,559 |
| Net loans and leases to core deposits | 57.1626% | 3,687 |
| Total domestic deposits to total assets | 85.0541% | 3,096 |
| Equity capital to assets | 8.4717% | 4,232 |
| Core capital (leverage) ratio | 8.2226% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6327% | 1,211 |
| Memoranda: | ||
| Average total assets | $1,920,183,500 | 560 |
| Average earning assets | $1,819,134,000 | 545 |
| Average equity | $165,543,500 | 661 |
| Average total loans | $1,010,454,250 | 668 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9594% | 4,116 |
| Cost of funding earning assets | 0.2461% | 3,310 |
| Net interest margin | 2.7132% | 3,952 |
| Noninterest income to average assets | 1.0177% | 1,042 |
| Noninterest expense to average assets | 2.6228% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9649% | 3,020 |
| Return on assets (ROA) | 0.9626% | 3,106 |
| Pretax return on assets | 0.9626% | 3,520 |
| Return on Equity (ROE) | 11.0973% | 2,395 |
| Retained earnings to average equity (ytd only) | 6.5263% | 2,613 |
| Net charge-offs to loans | 0.0057% | 1,942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 314.6897% | 360 |
| Efficiency ratio | 72.8604% | 1,347 |
| Assets per employee ($millions) | 6.2631% | 2,374 |
| Cash dividends to net income (ytd only)* | 41.1907% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8456% | 180 |
| Loan loss allowance to noncurrent loans | 9,800.3425% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,192 |
| Noncurrent loans to loans | 0.0290% | 4,065 |
| Net loans and leases to total assets | 49.6816% | 3,586 |
| Net loans and leases to deposits | 60.5810% | 3,341 |
| Net loans and leases to core deposits | 62.1262% | 3,449 |
| Total domestic deposits to total assets | 82.0085% | 3,920 |
| Equity capital to assets | 8.4479% | 4,243 |
| Core capital (leverage) ratio | 8.2647% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1162% | 1,309 |
| Memoranda: | ||
| Average total assets | $1,891,562,667 | 559 |
| Average earning assets | $1,791,743,667 | 549 |
| Average equity | $164,075,667 | 659 |
| Average total loans | $1,017,866,000 | 663 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9658% | 4,154 |
| Cost of funding earning assets | 0.2533% | 3,444 |
| Net interest margin | 2.7125% | 3,940 |
| Noninterest income to average assets | 1.0259% | 1,097 |
| Noninterest expense to average assets | 2.6079% | 1,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9799% | 2,870 |
| Return on assets (ROA) | 0.9743% | 2,983 |
| Pretax return on assets | 0.9743% | 3,446 |
| Return on Equity (ROE) | 11.0791% | 2,340 |
| Retained earnings to average equity (ytd only) | 6.4792% | 2,739 |
| Net charge-offs to loans | 0.0219% | 1,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 81.1071% | 696 |
| Efficiency ratio | 72.4414% | 1,455 |
| Assets per employee ($millions) | 6.1501% | 2,455 |
| Cash dividends to net income (ytd only)* | 41.5190% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8080% | 181 |
| Loan loss allowance to noncurrent loans | 1,988.1780% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 3,830 |
| Noncurrent loans to loans | 0.1412% | 3,611 |
| Net loans and leases to total assets | 52.0726% | 3,440 |
| Net loans and leases to deposits | 64.6582% | 3,067 |
| Net loans and leases to core deposits | 66.2651% | 3,221 |
| Total domestic deposits to total assets | 80.5353% | 4,134 |
| Equity capital to assets | 8.7014% | 3,959 |
| Core capital (leverage) ratio | 8.5996% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8958% | 1,327 |
| Memoranda: | ||
| Average total assets | $1,854,043,000 | 566 |
| Average earning assets | $1,751,152,000 | 552 |
| Average equity | $163,045,000 | 656 |
| Average total loans | $1,023,971,000 | 660 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5414% | 3,939 |
| Cost of funding earning assets | 0.3990% | 3,586 |
| Net interest margin | 3.1424% | 3,514 |
| Noninterest income to average assets | 1.0336% | 988 |
| Noninterest expense to average assets | 2.9984% | 1,440 |
| Loan and lease loss provision to assets | 0.3355% | 1,050 |
| Net operating income to assets | 0.6681% | 3,530 |
| Return on assets (ROA) | 0.6706% | 3,645 |
| Pretax return on assets | 0.6706% | 3,942 |
| Return on Equity (ROE) | 6.9417% | 3,227 |
| Retained earnings to average equity (ytd only) | -3.2007% | 4,772 |
| Net charge-offs to loans | 0.0031% | 3,264 |
| Credit loss provision to net charge-offs | 17,656.2500% | 53 |
| Earnings coverage of net charge-offs (x) | 528.1563% | 221 |
| Efficiency ratio | 74.6758% | 1,368 |
| Assets per employee ($millions) | 5.8691% | 2,475 |
| Cash dividends to net income (ytd only)* | 146.1082% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7818% | 188 |
| Loan loss allowance to noncurrent loans | 2,037.4111% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 3,944 |
| Noncurrent loans to loans | 0.1365% | 3,736 |
| Net loans and leases to total assets | 55.3811% | 3,356 |
| Net loans and leases to deposits | 68.8698% | 2,995 |
| Net loans and leases to core deposits | 70.8750% | 3,185 |
| Total domestic deposits to total assets | 80.4143% | 3,976 |
| Equity capital to assets | 8.8914% | 4,154 |
| Core capital (leverage) ratio | 8.6572% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7452% | 1,325 |
| Memoranda: | ||
| Average total assets | $1,683,987,600 | 562 |
| Average earning assets | $1,590,746,800 | 544 |
| Average equity | $162,683,200 | 627 |
| Average total loans | $1,033,727,200 | 616 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6628% | 3,885 |
| Cost of funding earning assets | 0.4377% | 3,595 |
| Net interest margin | 3.2251% | 3,410 |
| Noninterest income to average assets | 1.0573% | 929 |
| Noninterest expense to average assets | 3.0145% | 1,414 |
| Loan and lease loss provision to assets | 0.4557% | 700 |
| Net operating income to assets | 0.6360% | 3,677 |
| Return on assets (ROA) | 0.6397% | 3,756 |
| Pretax return on assets | 0.6397% | 4,028 |
| Return on Equity (ROE) | 6.4805% | 3,377 |
| Retained earnings to average equity (ytd only) | -2.9163% | 4,769 |
| Net charge-offs to loans | -0.0094% | 4,213 |
| Credit loss provision to net charge-offs | -7,739.7260% | 4,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1678% | 1,500 |
| Assets per employee ($millions) | 5.6026% | 2,621 |
| Cash dividends to net income (ytd only)* | 145.0006% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7455% | 178 |
| Loan loss allowance to noncurrent loans | 1,916.7333% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,015 |
| Noncurrent loans to loans | 0.1432% | 3,812 |
| Net loans and leases to total assets | 56.9847% | 3,526 |
| Net loans and leases to deposits | 71.4467% | 3,183 |
| Net loans and leases to core deposits | 73.6741% | 3,342 |
| Total domestic deposits to total assets | 79.7583% | 3,914 |
| Equity capital to assets | 9.0711% | 4,059 |
| Core capital (leverage) ratio | 8.8179% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0077% | 1,247 |
| Memoranda: | ||
| Average total assets | $1,653,061,750 | 558 |
| Average earning assets | $1,562,705,000 | 545 |
| Average equity | $163,171,750 | 620 |
| Average total loans | $1,034,717,500 | 610 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 3,934 |
| Cost of funding earning assets | 0.4915% | 3,589 |
| Net interest margin | 3.2834% | 3,425 |
| Noninterest income to average assets | 1.0800% | 854 |
| Noninterest expense to average assets | 3.0993% | 1,358 |
| Loan and lease loss provision to assets | 0.4725% | 797 |
| Net operating income to assets | 0.6094% | 3,709 |
| Return on assets (ROA) | 0.6152% | 3,762 |
| Pretax return on assets | 0.6152% | 4,032 |
| Return on Equity (ROE) | 6.0506% | 3,489 |
| Retained earnings to average equity (ytd only) | 1.7698% | 3,843 |
| Net charge-offs to loans | -0.0227% | 4,448 |
| Credit loss provision to net charge-offs | -3,247.8632% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8766% | 1,474 |
| Assets per employee ($millions) | 5.4122% | 2,725 |
| Cash dividends to net income (ytd only)* | 70.7499% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4911% | 228 |
| Loan loss allowance to noncurrent loans | 1,690.4015% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,074 |
| Noncurrent loans to loans | 0.1474% | 3,864 |
| Net loans and leases to total assets | 59.9608% | 3,334 |
| Net loans and leases to deposits | 75.5663% | 2,917 |
| Net loans and leases to core deposits | 78.6180% | 3,060 |
| Total domestic deposits to total assets | 79.3486% | 3,963 |
| Equity capital to assets | 9.4583% | 3,697 |
| Core capital (leverage) ratio | 9.6067% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9839% | 1,247 |
| Memoranda: | ||
| Average total assets | $1,608,341,000 | 561 |
| Average earning assets | $1,519,176,333 | 546 |
| Average equity | $163,522,000 | 616 |
| Average total loans | $1,030,558,333 | 598 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 3,936 |
| Cost of funding earning assets | 0.5553% | 3,665 |
| Net interest margin | 3.3934% | 3,315 |
| Noninterest income to average assets | 1.1381% | 675 |
| Noninterest expense to average assets | 3.2769% | 1,267 |
| Loan and lease loss provision to assets | 0.2479% | 1,249 |
| Net operating income to assets | 0.8185% | 2,841 |
| Return on assets (ROA) | 0.8201% | 2,923 |
| Pretax return on assets | 0.8201% | 3,358 |
| Return on Equity (ROE) | 7.7558% | 2,613 |
| Retained earnings to average equity (ytd only) | 3.4374% | 2,908 |
| Net charge-offs to loans | -0.0693% | 4,729 |
| Credit loss provision to net charge-offs | -545.9770% | 3,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1952% | 1,663 |
| Assets per employee ($millions) | 4.6697% | 3,036 |
| Cash dividends to net income (ytd only)* | 55.6793% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3735% | 296 |
| Loan loss allowance to noncurrent loans | 7,145.5621% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 4,526 |
| Noncurrent loans to loans | 0.0332% | 4,428 |
| Net loans and leases to total assets | 64.4655% | 3,009 |
| Net loans and leases to deposits | 80.4001% | 2,639 |
| Net loans and leases to core deposits | 84.4233% | 2,814 |
| Total domestic deposits to total assets | 80.1809% | 3,825 |
| Equity capital to assets | 10.5384% | 3,283 |
| Core capital (leverage) ratio | 10.6375% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2357% | 1,292 |
| Memoranda: | ||
| Average total assets | $1,533,031,500 | 561 |
| Average earning assets | $1,447,990,000 | 547 |
| Average equity | $162,099,000 | 615 |
| Average total loans | $1,005,022,000 | 595 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 4,073 |
| Cost of funding earning assets | 0.5901% | 3,680 |
| Net interest margin | 3.4937% | 3,465 |
| Noninterest income to average assets | 1.2194% | 634 |
| Noninterest expense to average assets | 3.3436% | 1,220 |
| Loan and lease loss provision to assets | 0.0735% | 2,528 |
| Net operating income to assets | 1.1030% | 2,432 |
| Return on assets (ROA) | 1.1009% | 2,542 |
| Pretax return on assets | 1.1009% | 3,160 |
| Return on Equity (ROE) | 10.6376% | 2,031 |
| Retained earnings to average equity (ytd only) | 6.1211% | 1,809 |
| Net charge-offs to loans | 0.0274% | 2,845 |
| Credit loss provision to net charge-offs | 408.9219% | 702 |
| Earnings coverage of net charge-offs (x) | 65.4981% | 926 |
| Efficiency ratio | 73.6675% | 1,645 |
| Assets per employee ($millions) | 4.6214% | 3,059 |
| Cash dividends to net income (ytd only)* | 42.4577% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3203% | 277 |
| Loan loss allowance to noncurrent loans | 4,361.3636% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 4,473 |
| Noncurrent loans to loans | 0.0532% | 4,336 |
| Net loans and leases to total assets | 63.5679% | 3,250 |
| Net loans and leases to deposits | 79.0317% | 2,903 |
| Net loans and leases to core deposits | 83.1663% | 3,027 |
| Total domestic deposits to total assets | 80.4334% | 3,891 |
| Equity capital to assets | 10.6095% | 3,339 |
| Core capital (leverage) ratio | 10.3601% | 3,117 |
| Tier 1 risk-based capital ratio | 16.1593% | 2,346 |
| Total risk-based capital ratio | 17.4228% | 2,290 |
| Memoranda: | ||
| Average total assets | $1,497,594,200 | 552 |
| Average earning assets | $1,414,842,800 | 538 |
| Average equity | $154,987,600 | 605 |
| Average total loans | $980,945,200 | 586 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 4,144 |
| Cost of funding earning assets | 0.5837% | 3,768 |
| Net interest margin | 3.5204% | 3,502 |
| Noninterest income to average assets | 1.3318% | 531 |
| Noninterest expense to average assets | 3.3579% | 1,163 |
| Loan and lease loss provision to assets | 0.0984% | 1,949 |
| Net operating income to assets | 1.1960% | 2,205 |
| Return on assets (ROA) | 1.1937% | 2,293 |
| Pretax return on assets | 1.1937% | 2,998 |
| Return on Equity (ROE) | 11.6095% | 1,754 |
| Retained earnings to average equity (ytd only) | 7.0429% | 1,842 |
| Net charge-offs to loans | 0.0297% | 2,485 |
| Credit loss provision to net charge-offs | 504.5872% | 617 |
| Earnings coverage of net charge-offs (x) | 66.3852% | 994 |
| Efficiency ratio | 71.8606% | 1,861 |
| Assets per employee ($millions) | 4.6844% | 2,935 |
| Cash dividends to net income (ytd only)* | 39.3347% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3113% | 280 |
| Loan loss allowance to noncurrent loans | 4,070.3704% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 4,541 |
| Noncurrent loans to loans | 0.0568% | 4,381 |
| Net loans and leases to total assets | 62.9122% | 3,397 |
| Net loans and leases to deposits | 78.2685% | 3,068 |
| Net loans and leases to core deposits | 82.3205% | 3,228 |
| Total domestic deposits to total assets | 80.3800% | 3,898 |
| Equity capital to assets | 10.3063% | 3,721 |
| Core capital (leverage) ratio | 10.4510% | 3,144 |
| Tier 1 risk-based capital ratio | 15.9867% | 2,433 |
| Total risk-based capital ratio | 17.2502% | 2,372 |
| Memoranda: | ||
| Average total assets | $1,490,728,250 | 554 |
| Average earning assets | $1,406,111,750 | 541 |
| Average equity | $153,284,250 | 609 |
| Average total loans | $978,062,750 | 587 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 4,142 |
| Cost of funding earning assets | 0.5719% | 3,784 |
| Net interest margin | 3.5354% | 3,486 |
| Noninterest income to average assets | 1.3565% | 477 |
| Noninterest expense to average assets | 3.4009% | 1,101 |
| Loan and lease loss provision to assets | 0.1088% | 1,722 |
| Net operating income to assets | 1.1851% | 2,206 |
| Return on assets (ROA) | 1.1802% | 2,293 |
| Pretax return on assets | 1.1802% | 2,970 |
| Return on Equity (ROE) | 11.4869% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.8545% | 1,876 |
| Net charge-offs to loans | 0.0165% | 2,559 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 118.9375% | 610 |
| Efficiency ratio | 72.0811% | 1,908 |
| Assets per employee ($millions) | 4.5203% | 3,108 |
| Cash dividends to net income (ytd only)* | 40.3272% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2934% | 299 |
| Loan loss allowance to noncurrent loans | 3,580.7813% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 4,554 |
| Noncurrent loans to loans | 0.0640% | 4,396 |
| Net loans and leases to total assets | 65.2529% | 3,196 |
| Net loans and leases to deposits | 79.3441% | 3,015 |
| Net loans and leases to core deposits | 82.9017% | 3,205 |
| Total domestic deposits to total assets | 82.2404% | 3,445 |
| Equity capital to assets | 10.4321% | 3,584 |
| Core capital (leverage) ratio | 10.4845% | 3,112 |
| Tier 1 risk-based capital ratio | 15.3310% | 2,692 |
| Total risk-based capital ratio | 16.5936% | 2,614 |
| Memoranda: | ||
| Average total assets | $1,470,797,000 | 563 |
| Average earning assets | $1,388,772,670 | 546 |
| Average equity | $151,111,670 | 614 |
| Average total loans | $971,235,000 | 591 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 4,272 |
| Cost of funding earning assets | 0.5449% | 3,849 |
| Net interest margin | 3.5013% | 3,587 |
| Noninterest income to average assets | 1.2120% | 553 |
| Noninterest expense to average assets | 3.4741% | 1,001 |
| Loan and lease loss provision to assets | 0.0823% | 2,054 |
| Net operating income to assets | 0.9588% | 3,010 |
| Return on assets (ROA) | 0.9637% | 3,039 |
| Pretax return on assets | 0.9637% | 3,572 |
| Return on Equity (ROE) | 9.4547% | 2,607 |
| Retained earnings to average equity (ytd only) | 4.7449% | 3,026 |
| Net charge-offs to loans | -0.0004% | 3,789 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5053% | 1,448 |
| Assets per employee ($millions) | 4.4253% | 3,295 |
| Cash dividends to net income (ytd only)* | 49.8150% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3197% | 294 |
| Loan loss allowance to noncurrent loans | 2,844.2478% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 4,556 |
| Noncurrent loans to loans | 0.0816% | 4,395 |
| Net loans and leases to total assets | 63.7151% | 3,325 |
| Net loans and leases to deposits | 77.8462% | 3,074 |
| Net loans and leases to core deposits | 81.1391% | 3,260 |
| Total domestic deposits to total assets | 81.8473% | 3,764 |
| Equity capital to assets | 10.1104% | 3,713 |
| Core capital (leverage) ratio | 10.5348% | 3,009 |
| Tier 1 risk-based capital ratio | 15.2539% | 2,772 |
| Total risk-based capital ratio | 16.5165% | 2,674 |
| Memoranda: | ||
| Average total assets | $1,458,089,000 | 567 |
| Average earning assets | $1,375,622,000 | 551 |
| Average equity | $148,624,000 | 619 |
| Average total loans | $957,233,000 | 604 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 4,235 |
| Cost of funding earning assets | 0.4844% | 3,449 |
| Net interest margin | 3.4334% | 3,895 |
| Noninterest income to average assets | 1.3307% | 520 |
| Noninterest expense to average assets | 3.4742% | 1,029 |
| Loan and lease loss provision to assets | 0.0460% | 3,267 |
| Net operating income to assets | 1.0567% | 2,773 |
| Return on assets (ROA) | 1.0566% | 2,761 |
| Pretax return on assets | 1.0566% | 3,422 |
| Return on Equity (ROE) | 10.4336% | 2,330 |
| Retained earnings to average equity (ytd only) | 5.5447% | 2,460 |
| Net charge-offs to loans | 0.0220% | 2,985 |
| Credit loss provision to net charge-offs | 322.2772% | 971 |
| Earnings coverage of net charge-offs (x) | 77.1832% | 879 |
| Efficiency ratio | 75.4281% | 1,437 |
| Assets per employee ($millions) | 4.1914% | 3,625 |
| Cash dividends to net income (ytd only)* | 46.8572% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3499% | 268 |
| Loan loss allowance to noncurrent loans | 2,420.6107% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 4,513 |
| Noncurrent loans to loans | 0.0971% | 4,305 |
| Net loans and leases to total assets | 64.5355% | 3,296 |
| Net loans and leases to deposits | 78.6575% | 3,085 |
| Net loans and leases to core deposits | 81.4580% | 3,311 |
| Total domestic deposits to total assets | 82.0462% | 3,629 |
| Equity capital to assets | 10.2791% | 3,398 |
| Core capital (leverage) ratio | 10.5068% | 3,021 |
| Tier 1 risk-based capital ratio | 15.5439% | 2,596 |
| Total risk-based capital ratio | 16.8071% | 2,518 |
| Memoranda: | ||
| Average total assets | $1,413,877,400 | 563 |
| Average earning assets | $1,336,809,600 | 551 |
| Average equity | $143,182,200 | 606 |
| Average total loans | $916,463,400 | 601 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 4,295 |
| Cost of funding earning assets | 0.4690% | 3,404 |
| Net interest margin | 3.3956% | 4,019 |
| Noninterest income to average assets | 1.3413% | 525 |
| Noninterest expense to average assets | 3.4970% | 984 |
| Loan and lease loss provision to assets | 0.0616% | 2,747 |
| Net operating income to assets | 0.9935% | 3,112 |
| Return on assets (ROA) | 0.9934% | 3,126 |
| Pretax return on assets | 0.9934% | 3,736 |
| Return on Equity (ROE) | 9.8473% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.9265% | 3,279 |
| Net charge-offs to loans | 0.0148% | 2,891 |
| Credit loss provision to net charge-offs | 644.5545% | 563 |
| Earnings coverage of net charge-offs (x) | 110.4779% | 702 |
| Efficiency ratio | 76.3295% | 1,310 |
| Assets per employee ($millions) | 4.0493% | 3,806 |
| Cash dividends to net income (ytd only)* | 49.9715% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3937% | 275 |
| Loan loss allowance to noncurrent loans | 1,604.1727% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 4,484 |
| Noncurrent loans to loans | 0.1492% | 4,219 |
| Net loans and leases to total assets | 64.1541% | 3,403 |
| Net loans and leases to deposits | 78.3488% | 3,208 |
| Net loans and leases to core deposits | 80.8337% | 3,424 |
| Total domestic deposits to total assets | 81.8827% | 3,647 |
| Equity capital to assets | 10.1696% | 3,473 |
| Core capital (leverage) ratio | 10.3595% | 3,222 |
| Tier 1 risk-based capital ratio | 15.5375% | 2,636 |
| Total risk-based capital ratio | 16.8013% | 2,561 |
| Memoranda: | ||
| Average total assets | $1,410,027,500 | 564 |
| Average earning assets | $1,333,279,750 | 550 |
| Average equity | $142,248,500 | 607 |
| Average total loans | $909,432,250 | 603 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7745% | 4,404 |
| Cost of funding earning assets | 0.4568% | 3,310 |
| Net interest margin | 3.3177% | 4,199 |
| Noninterest income to average assets | 1.3299% | 546 |
| Noninterest expense to average assets | 3.4862% | 1,013 |
| Loan and lease loss provision to assets | 0.0428% | 3,043 |
| Net operating income to assets | 0.9432% | 3,258 |
| Return on assets (ROA) | 0.9429% | 3,267 |
| Pretax return on assets | 0.9429% | 3,832 |
| Return on Equity (ROE) | 9.3714% | 2,865 |
| Retained earnings to average equity (ytd only) | 4.4287% | 3,383 |
| Net charge-offs to loans | 0.0011% | 3,177 |
| Credit loss provision to net charge-offs | 6,020.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,387.8000% | 53 |
| Efficiency ratio | 77.4519% | 1,252 |
| Assets per employee ($millions) | 4.1147% | 3,701 |
| Cash dividends to net income (ytd only)* | 52.7426% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4007% | 273 |
| Loan loss allowance to noncurrent loans | 1,012.1212% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 4,227 |
| Noncurrent loans to loans | 0.2372% | 3,860 |
| Net loans and leases to total assets | 62.7658% | 3,525 |
| Net loans and leases to deposits | 77.2836% | 3,227 |
| Net loans and leases to core deposits | 79.7599% | 3,439 |
| Total domestic deposits to total assets | 81.2150% | 3,939 |
| Equity capital to assets | 9.9875% | 3,636 |
| Core capital (leverage) ratio | 10.3278% | 3,212 |
| Tier 1 risk-based capital ratio | 15.7372% | 2,539 |
| Total risk-based capital ratio | 17.0016% | 2,476 |
| Memoranda: | ||
| Average total assets | $1,407,622,670 | 564 |
| Average earning assets | $1,333,160,000 | 551 |
| Average equity | $141,622,000 | 605 |
| Average total loans | $902,070,670 | 608 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 4,382 |
| Cost of funding earning assets | 0.4398% | 3,287 |
| Net interest margin | 3.2998% | 4,189 |
| Noninterest income to average assets | 1.3618% | 505 |
| Noninterest expense to average assets | 3.6170% | 854 |
| Loan and lease loss provision to assets | 0.0072% | 3,416 |
| Net operating income to assets | 0.8624% | 3,443 |
| Return on assets (ROA) | 0.8624% | 3,459 |
| Pretax return on assets | 0.8624% | 3,975 |
| Return on Equity (ROE) | 8.5396% | 3,135 |
| Retained earnings to average equity (ytd only) | 3.5797% | 3,770 |
| Net charge-offs to loans | 0.0049% | 2,555 |
| Credit loss provision to net charge-offs | 227.2727% | 960 |
| Earnings coverage of net charge-offs (x) | 276.1818% | 247 |
| Efficiency ratio | 80.1148% | 1,125 |
| Assets per employee ($millions) | 4.0147% | 3,949 |
| Cash dividends to net income (ytd only)* | 58.0816% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4447% | 267 |
| Loan loss allowance to noncurrent loans | 1,289.2180% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,488 |
| Noncurrent loans to loans | 0.1896% | 4,114 |
| Net loans and leases to total assets | 62.5164% | 3,484 |
| Net loans and leases to deposits | 77.1687% | 3,094 |
| Net loans and leases to core deposits | 79.8005% | 3,337 |
| Total domestic deposits to total assets | 81.0127% | 4,201 |
| Equity capital to assets | 10.1994% | 3,396 |
| Core capital (leverage) ratio | 10.2090% | 3,292 |
| Tier 1 risk-based capital ratio | 15.8254% | 2,546 |
| Total risk-based capital ratio | 17.0900% | 2,484 |
| Memoranda: | ||
| Average total assets | $1,397,525,000 | 573 |
| Average earning assets | $1,323,360,000 | 560 |
| Average equity | $141,131,000 | 610 |
| Average total loans | $893,993,000 | 615 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 4,346 |
| Cost of funding earning assets | 0.3931% | 3,308 |
| Net interest margin | 3.3019% | 4,159 |
| Noninterest income to average assets | 1.4560% | 499 |
| Noninterest expense to average assets | 3.5981% | 899 |
| Loan and lease loss provision to assets | 0.0668% | 2,873 |
| Net operating income to assets | 0.8992% | 2,714 |
| Return on assets (ROA) | 0.8992% | 2,745 |
| Pretax return on assets | 0.8992% | 3,931 |
| Return on Equity (ROE) | 9.0133% | 2,312 |
| Retained earnings to average equity (ytd only) | 4.6706% | 2,341 |
| Net charge-offs to loans | 0.0758% | 2,366 |
| Credit loss provision to net charge-offs | 139.7281% | 1,893 |
| Earnings coverage of net charge-offs (x) | 20.2085% | 1,983 |
| Efficiency ratio | 78.3334% | 1,309 |
| Assets per employee ($millions) | 3.9272% | 4,082 |
| Cash dividends to net income (ytd only)* | 48.1812% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4223% | 270 |
| Loan loss allowance to noncurrent loans | 1,288.3886% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 4,534 |
| Noncurrent loans to loans | 0.1880% | 4,165 |
| Net loans and leases to total assets | 62.3109% | 3,579 |
| Net loans and leases to deposits | 77.5838% | 3,165 |
| Net loans and leases to core deposits | 80.0304% | 3,416 |
| Total domestic deposits to total assets | 80.3144% | 4,276 |
| Equity capital to assets | 9.9991% | 3,709 |
| Core capital (leverage) ratio | 10.0768% | 3,354 |
| Tier 1 risk-based capital ratio | 15.4171% | 2,651 |
| Total risk-based capital ratio | 16.6811% | 2,589 |
| Memoranda: | ||
| Average total assets | $1,384,895,200 | 557 |
| Average earning assets | $1,303,623,600 | 543 |
| Average equity | $138,163,200 | 592 |
| Average total loans | $873,833,600 | 602 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 4,374 |
| Cost of funding earning assets | 0.3807% | 3,369 |
| Net interest margin | 3.2994% | 4,174 |
| Noninterest income to average assets | 1.4900% | 487 |
| Noninterest expense to average assets | 3.6004% | 871 |
| Loan and lease loss provision to assets | 0.0894% | 2,288 |
| Net operating income to assets | 0.9047% | 3,007 |
| Return on assets (ROA) | 0.9047% | 3,063 |
| Pretax return on assets | 0.9047% | 4,026 |
| Return on Equity (ROE) | 9.0733% | 2,564 |
| Retained earnings to average equity (ytd only) | 4.7116% | 3,073 |
| Net charge-offs to loans | 0.0247% | 2,955 |
| Credit loss provision to net charge-offs | 574.5342% | 559 |
| Earnings coverage of net charge-offs (x) | 63.8886% | 953 |
| Efficiency ratio | 77.8633% | 1,345 |
| Assets per employee ($millions) | 3.9118% | 4,134 |
| Cash dividends to net income (ytd only)* | 48.0718% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5279% | 254 |
| Loan loss allowance to noncurrent loans | 866.3941% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 4,369 |
| Noncurrent loans to loans | 0.2918% | 3,898 |
| Net loans and leases to total assets | 61.6033% | 3,702 |
| Net loans and leases to deposits | 77.3384% | 3,237 |
| Net loans and leases to core deposits | 80.0546% | 3,452 |
| Total domestic deposits to total assets | 79.6542% | 4,402 |
| Equity capital to assets | 10.0861% | 3,820 |
| Core capital (leverage) ratio | 10.0806% | 3,468 |
| Tier 1 risk-based capital ratio | 15.4613% | 2,719 |
| Total risk-based capital ratio | 16.7265% | 2,667 |
| Memoranda: | ||
| Average total assets | $1,379,630,500 | 555 |
| Average earning assets | $1,298,116,000 | 547 |
| Average equity | $137,558,250 | 597 |
| Average total loans | $867,839,250 | 607 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 4,422 |
| Cost of funding earning assets | 0.3639% | 3,440 |
| Net interest margin | 3.2693% | 4,211 |
| Noninterest income to average assets | 1.5112% | 472 |
| Noninterest expense to average assets | 3.5678% | 909 |
| Loan and lease loss provision to assets | 0.1163% | 1,765 |
| Net operating income to assets | 0.8943% | 2,938 |
| Return on assets (ROA) | 0.8943% | 2,998 |
| Pretax return on assets | 0.8943% | 3,953 |
| Return on Equity (ROE) | 9.0050% | 2,504 |
| Retained earnings to average equity (ytd only) | 4.6123% | 2,966 |
| Net charge-offs to loans | 0.0144% | 2,957 |
| Credit loss provision to net charge-offs | 1,290.3226% | 318 |
| Earnings coverage of net charge-offs (x) | 112.0968% | 604 |
| Efficiency ratio | 77.4203% | 1,540 |
| Assets per employee ($millions) | 3.9309% | 4,081 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5157% | 278 |
| Loan loss allowance to noncurrent loans | 944.0527% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 4,508 |
| Noncurrent loans to loans | 0.2665% | 4,086 |
| Net loans and leases to total assets | 62.0606% | 3,624 |
| Net loans and leases to deposits | 78.4229% | 3,076 |
| Net loans and leases to core deposits | 80.6057% | 3,372 |
| Total domestic deposits to total assets | 79.1358% | 4,594 |
| Equity capital to assets | 9.9998% | 3,909 |
| Core capital (leverage) ratio | 10.0592% | 3,457 |
| Tier 1 risk-based capital ratio | 15.1666% | 2,859 |
| Total risk-based capital ratio | 16.4315% | 2,787 |
| Memoranda: | ||
| Average total assets | $1,375,306,000 | 556 |
| Average earning assets | $1,290,318,330 | 551 |
| Average equity | $136,591,330 | 599 |
| Average total loans | $863,739,330 | 611 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 4,466 |
| Cost of funding earning assets | 0.3285% | 3,761 |
| Net interest margin | 3.2533% | 4,157 |
| Noninterest income to average assets | 1.5274% | 470 |
| Noninterest expense to average assets | 3.6066% | 892 |
| Loan and lease loss provision to assets | 0.1169% | 1,640 |
| Net operating income to assets | 0.8560% | 2,965 |
| Return on assets (ROA) | 0.8560% | 3,009 |
| Pretax return on assets | 0.8560% | 3,914 |
| Return on Equity (ROE) | 8.6490% | 2,591 |
| Retained earnings to average equity (ytd only) | 4.2212% | 3,340 |
| Net charge-offs to loans | 0.0112% | 2,599 |
| Credit loss provision to net charge-offs | 1,666.6667% | 196 |
| Earnings coverage of net charge-offs (x) | 138.7500% | 394 |
| Efficiency ratio | 78.2520% | 1,596 |
| Assets per employee ($millions) | 3.8050% | 4,341 |
| Cash dividends to net income (ytd only)* | 51.1945% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5441% | 300 |
| Loan loss allowance to noncurrent loans | 849.3007% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 4,499 |
| Noncurrent loans to loans | 0.2996% | 4,042 |
| Net loans and leases to total assets | 60.9655% | 3,669 |
| Net loans and leases to deposits | 76.3256% | 3,162 |
| Net loans and leases to core deposits | 78.7245% | 3,423 |
| Total domestic deposits to total assets | 79.8756% | 4,646 |
| Equity capital to assets | 9.9197% | 3,854 |
| Core capital (leverage) ratio | 10.0302% | 3,459 |
| Tier 1 risk-based capital ratio | 15.4263% | 2,783 |
| Total risk-based capital ratio | 16.6916% | 2,713 |
| Memoranda: | ||
| Average total assets | $1,369,149,500 | 565 |
| Average earning assets | $1,284,466,500 | 556 |
| Average equity | $135,507,500 | 598 |
| Average total loans | $853,915,500 | 621 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6151% | 4,475 |
| Cost of funding earning assets | 0.3332% | 3,715 |
| Net interest margin | 3.2820% | 4,200 |
| Noninterest income to average assets | 1.6317% | 457 |
| Noninterest expense to average assets | 3.7161% | 863 |
| Loan and lease loss provision to assets | 0.1234% | 2,005 |
| Net operating income to assets | 0.8629% | 3,012 |
| Return on assets (ROA) | 0.9190% | 2,845 |
| Pretax return on assets | 0.9190% | 3,775 |
| Return on Equity (ROE) | 9.4336% | 2,217 |
| Retained earnings to average equity (ytd only) | 5.3066% | 2,126 |
| Net charge-offs to loans | 0.1331% | 1,917 |
| Credit loss provision to net charge-offs | 152.6221% | 1,793 |
| Earnings coverage of net charge-offs (x) | 12.1989% | 2,475 |
| Efficiency ratio | 78.5238% | 1,621 |
| Assets per employee ($millions) | 3.7389% | 4,411 |
| Cash dividends to net income (ytd only)* | 43.7480% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5320% | 295 |
| Loan loss allowance to noncurrent loans | 976.1472% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 4,674 |
| Noncurrent loans to loans | 0.2594% | 4,223 |
| Net loans and leases to total assets | 60.6040% | 3,787 |
| Net loans and leases to deposits | 75.9942% | 3,314 |
| Net loans and leases to core deposits | 78.4512% | 3,540 |
| Total domestic deposits to total assets | 79.7482% | 4,618 |
| Equity capital to assets | 9.8745% | 3,853 |
| Core capital (leverage) ratio | 9.8760% | 3,658 |
| Tier 1 risk-based capital ratio | 15.4819% | 2,755 |
| Total risk-based capital ratio | 16.7471% | 2,683 |
| Memoranda: | ||
| Average total assets | $1,367,949,600 | 541 |
| Average earning assets | $1,279,895,000 | 532 |
| Average equity | $133,267,800 | 598 |
| Average total loans | $830,919,200 | 612 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 4,512 |
| Cost of funding earning assets | 0.3311% | 3,766 |
| Net interest margin | 3.2828% | 4,242 |
| Noninterest income to average assets | 1.6895% | 434 |
| Noninterest expense to average assets | 3.6994% | 844 |
| Loan and lease loss provision to assets | 0.1145% | 2,021 |
| Net operating income to assets | 0.9457% | 2,672 |
| Return on assets (ROA) | 1.0198% | 2,465 |
| Pretax return on assets | 1.0198% | 3,550 |
| Return on Equity (ROE) | 10.5032% | 1,866 |
| Retained earnings to average equity (ytd only) | 6.4902% | 1,922 |
| Net charge-offs to loans | 0.0879% | 2,084 |
| Credit loss provision to net charge-offs | 215.5963% | 1,362 |
| Earnings coverage of net charge-offs (x) | 19.9706% | 1,902 |
| Efficiency ratio | 77.2277% | 1,804 |
| Assets per employee ($millions) | 3.6798% | 4,511 |
| Cash dividends to net income (ytd only)* | 38.2080% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5695% | 311 |
| Loan loss allowance to noncurrent loans | 638.5824% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 4,451 |
| Noncurrent loans to loans | 0.4024% | 3,835 |
| Net loans and leases to total assets | 59.8073% | 3,904 |
| Net loans and leases to deposits | 75.9113% | 3,406 |
| Net loans and leases to core deposits | 78.2790% | 3,638 |
| Total domestic deposits to total assets | 78.7857% | 4,769 |
| Equity capital to assets | 9.9687% | 4,154 |
| Core capital (leverage) ratio | 9.8824% | 3,719 |
| Tier 1 risk-based capital ratio | 15.6106% | 2,787 |
| Total risk-based capital ratio | 16.8763% | 2,709 |
| Memoranda: | ||
| Average total assets | $1,368,763,250 | 544 |
| Average earning assets | $1,280,111,750 | 531 |
| Average equity | $132,895,500 | 605 |
| Average total loans | $826,512,750 | 611 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5826% | 4,645 |
| Cost of funding earning assets | 0.3312% | 3,784 |
| Net interest margin | 3.2514% | 4,374 |
| Noninterest income to average assets | 1.6504% | 459 |
| Noninterest expense to average assets | 3.6758% | 909 |
| Loan and lease loss provision to assets | 0.1241% | 1,840 |
| Net operating income to assets | 0.8876% | 2,925 |
| Return on assets (ROA) | 0.9932% | 2,561 |
| Pretax return on assets | 0.9932% | 3,616 |
| Return on Equity (ROE) | 10.3209% | 1,914 |
| Retained earnings to average equity (ytd only) | 6.5281% | 1,862 |
| Net charge-offs to loans | 0.1182% | 1,655 |
| Credit loss provision to net charge-offs | 174.8971% | 1,433 |
| Earnings coverage of net charge-offs (x) | 14.2593% | 2,068 |
| Efficiency ratio | 77.9058% | 1,807 |
| Assets per employee ($millions) | 3.5844% | 4,619 |
| Cash dividends to net income (ytd only)* | 36.7485% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5355% | 348 |
| Loan loss allowance to noncurrent loans | 1,743.1967% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 5,171 |
| Noncurrent loans to loans | 0.1455% | 4,851 |
| Net loans and leases to total assets | 59.7045% | 3,922 |
| Net loans and leases to deposits | 76.4351% | 3,333 |
| Net loans and leases to core deposits | 78.4960% | 3,604 |
| Total domestic deposits to total assets | 78.1114% | 4,977 |
| Equity capital to assets | 9.7929% | 4,458 |
| Core capital (leverage) ratio | 9.7535% | 3,869 |
| Tier 1 risk-based capital ratio | 15.4695% | 2,871 |
| Total risk-based capital ratio | 16.7350% | 2,800 |
| Memoranda: | ||
| Average total assets | $1,369,950,330 | 542 |
| Average earning assets | $1,279,622,000 | 535 |
| Average equity | $131,829,670 | 611 |
| Average total loans | $822,676,000 | 608 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5459% | 4,771 |
| Cost of funding earning assets | 0.3321% | 3,814 |
| Net interest margin | 3.2138% | 4,538 |
| Noninterest income to average assets | 1.7573% | 406 |
| Noninterest expense to average assets | 3.7487% | 844 |
| Loan and lease loss provision to assets | 0.0219% | 3,399 |
| Net operating income to assets | 0.9954% | 2,299 |
| Return on assets (ROA) | 1.0655% | 2,142 |
| Pretax return on assets | 1.0655% | 3,222 |
| Return on Equity (ROE) | 11.1706% | 1,542 |
| Retained earnings to average equity (ytd only) | 7.3451% | 1,734 |
| Net charge-offs to loans | -0.0319% | 5,093 |
| Credit loss provision to net charge-offs | -115.3846% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1466% | 1,877 |
| Assets per employee ($millions) | 3.5197% | 4,782 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5790% | 360 |
| Loan loss allowance to noncurrent loans | 1,522.6483% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 5,171 |
| Noncurrent loans to loans | 0.1694% | 4,809 |
| Net loans and leases to total assets | 58.2076% | 4,020 |
| Net loans and leases to deposits | 74.9470% | 3,327 |
| Net loans and leases to core deposits | 77.0091% | 3,588 |
| Total domestic deposits to total assets | 77.6650% | 5,197 |
| Equity capital to assets | 9.6941% | 4,455 |
| Core capital (leverage) ratio | 9.5238% | 4,149 |
| Tier 1 risk-based capital ratio | 15.4052% | 2,972 |
| Total risk-based capital ratio | 16.6708% | 2,901 |
| Memoranda: | ||
| Average total assets | $1,370,302,000 | 546 |
| Average earning assets | $1,282,827,500 | 536 |
| Average equity | $130,700,000 | 613 |
| Average total loans | $814,629,500 | 611 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 4,706 |
| Cost of funding earning assets | 0.3687% | 3,501 |
| Net interest margin | 3.2181% | 4,560 |
| Noninterest income to average assets | 1.6540% | 474 |
| Noninterest expense to average assets | 3.7745% | 890 |
| Loan and lease loss provision to assets | 0.0294% | 3,785 |
| Net operating income to assets | 0.8384% | 3,167 |
| Return on assets (ROA) | 0.9221% | 2,836 |
| Pretax return on assets | 0.9241% | 3,755 |
| Return on Equity (ROE) | 9.6516% | 2,154 |
| Retained earnings to average equity (ytd only) | 0.9915% | 5,119 |
| Net charge-offs to loans | 0.0010% | 4,442 |
| Credit loss provision to net charge-offs | 5,000.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 1,478.3750% | 27 |
| Efficiency ratio | 80.9847% | 1,538 |
| Assets per employee ($millions) | 3.5165% | 4,807 |
| Cash dividends to net income (ytd only)* | 89.7272% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5701% | 367 |
| Loan loss allowance to noncurrent loans | 1,994.5611% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 5,323 |
| Noncurrent loans to loans | 0.1289% | 4,977 |
| Net loans and leases to total assets | 57.6311% | 4,135 |
| Net loans and leases to deposits | 74.7293% | 3,405 |
| Net loans and leases to core deposits | 76.8566% | 3,677 |
| Total domestic deposits to total assets | 77.1198% | 5,298 |
| Equity capital to assets | 9.3830% | 4,696 |
| Core capital (leverage) ratio | 9.1700% | 4,662 |
| Tier 1 risk-based capital ratio | 15.3076% | 3,034 |
| Total risk-based capital ratio | 16.5732% | 2,969 |
| Memoranda: | ||
| Average total assets | $1,359,698,000 | 526 |
| Average earning assets | $1,263,488,800 | 521 |
| Average equity | $129,906,000 | 583 |
| Average total loans | $802,912,800 | 584 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5829% | 4,790 |
| Cost of funding earning assets | 0.3772% | 3,472 |
| Net interest margin | 3.2056% | 4,650 |
| Noninterest income to average assets | 1.6828% | 462 |
| Noninterest expense to average assets | 3.7296% | 930 |
| Loan and lease loss provision to assets | 0.0393% | 3,425 |
| Net operating income to assets | 0.8818% | 3,030 |
| Return on assets (ROA) | 0.9336% | 2,881 |
| Pretax return on assets | 0.9357% | 3,866 |
| Return on Equity (ROE) | 9.7275% | 2,205 |
| Retained earnings to average equity (ytd only) | 5.8853% | 2,320 |
| Net charge-offs to loans | -0.0117% | 5,041 |
| Credit loss provision to net charge-offs | -571.4286% | 5,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9201% | 1,668 |
| Assets per employee ($millions) | 3.5358% | 4,734 |
| Cash dividends to net income (ytd only)* | 39.4987% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6160% | 372 |
| Loan loss allowance to noncurrent loans | 1,791.7165% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 5,418 |
| Noncurrent loans to loans | 0.1460% | 5,057 |
| Net loans and leases to total assets | 55.7822% | 4,379 |
| Net loans and leases to deposits | 71.9087% | 3,781 |
| Net loans and leases to core deposits | 73.9730% | 4,017 |
| Total domestic deposits to total assets | 77.5736% | 5,252 |
| Equity capital to assets | 9.5654% | 4,675 |
| Core capital (leverage) ratio | 9.6571% | 4,095 |
| Tier 1 risk-based capital ratio | 16.3213% | 2,665 |
| Total risk-based capital ratio | 17.5881% | 2,600 |
| Memoranda: | ||
| Average total assets | $1,355,879,750 | 526 |
| Average earning assets | $1,256,209,000 | 525 |
| Average equity | $130,129,000 | 586 |
| Average total loans | $800,312,500 | 591 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6191% | 4,667 |
| Cost of funding earning assets | 0.3877% | 3,395 |
| Net interest margin | 3.2313% | 4,558 |
| Noninterest income to average assets | 1.6990% | 466 |
| Noninterest expense to average assets | 3.7839% | 885 |
| Loan and lease loss provision to assets | 0.0597% | 2,907 |
| Net operating income to assets | 0.8477% | 3,136 |
| Return on assets (ROA) | 0.8979% | 3,014 |
| Pretax return on assets | 0.9021% | 3,946 |
| Return on Equity (ROE) | 9.3450% | 2,366 |
| Retained earnings to average equity (ytd only) | 5.4648% | 2,556 |
| Net charge-offs to loans | -0.0065% | 4,804 |
| Credit loss provision to net charge-offs | -1,538.4615% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3462% | 1,705 |
| Assets per employee ($millions) | 3.5080% | 4,770 |
| Cash dividends to net income (ytd only)* | 41.5213% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6507% | 397 |
| Loan loss allowance to noncurrent loans | 977.9075% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 5,249 |
| Noncurrent loans to loans | 0.2711% | 4,697 |
| Net loans and leases to total assets | 56.4928% | 4,283 |
| Net loans and leases to deposits | 73.9245% | 3,500 |
| Net loans and leases to core deposits | 76.0028% | 3,766 |
| Total domestic deposits to total assets | 76.4196% | 5,543 |
| Equity capital to assets | 9.6256% | 4,501 |
| Core capital (leverage) ratio | 9.6747% | 4,035 |
| Tier 1 risk-based capital ratio | 17.1340% | 2,356 |
| Total risk-based capital ratio | 18.4028% | 2,299 |
| Memoranda: | ||
| Average total assets | $1,341,111,000 | 529 |
| Average earning assets | $1,243,585,330 | 525 |
| Average equity | $128,861,000 | 593 |
| Average total loans | $799,738,330 | 586 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6506% | 4,530 |
| Cost of funding earning assets | 0.3896% | 3,419 |
| Net interest margin | 3.2610% | 4,378 |
| Noninterest income to average assets | 1.6098% | 478 |
| Noninterest expense to average assets | 3.7012% | 1,012 |
| Loan and lease loss provision to assets | 0.1202% | 1,724 |
| Net operating income to assets | 0.8180% | 3,167 |
| Return on assets (ROA) | 0.9192% | 2,776 |
| Pretax return on assets | 0.9156% | 3,831 |
| Return on Equity (ROE) | 9.5754% | 2,188 |
| Retained earnings to average equity (ytd only) | 5.6626% | 2,675 |
| Net charge-offs to loans | -0.0164% | 4,950 |
| Credit loss provision to net charge-offs | -1,212.1212% | 5,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5942% | 1,943 |
| Assets per employee ($millions) | 3.4902% | 4,914 |
| Cash dividends to net income (ytd only)* | 40.8630% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5968% | 464 |
| Loan loss allowance to noncurrent loans | 916.5864% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 5,232 |
| Noncurrent loans to loans | 0.2833% | 4,758 |
| Net loans and leases to total assets | 58.0119% | 3,943 |
| Net loans and leases to deposits | 75.4652% | 3,118 |
| Net loans and leases to core deposits | 77.4423% | 3,434 |
| Total domestic deposits to total assets | 76.8724% | 5,632 |
| Equity capital to assets | 9.5198% | 4,729 |
| Core capital (leverage) ratio | 9.6362% | 4,103 |
| Tier 1 risk-based capital ratio | 16.4123% | 2,725 |
| Total risk-based capital ratio | 17.6801% | 2,659 |
| Memoranda: | ||
| Average total assets | $1,331,124,000 | 531 |
| Average earning assets | $1,235,202,000 | 524 |
| Average equity | $127,785,500 | 600 |
| Average total loans | $804,681,500 | 573 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,495 |
| Cost of funding earning assets | 0.4483% | 3,184 |
| Net interest margin | 3.3513% | 4,399 |
| Noninterest income to average assets | 1.7806% | 409 |
| Noninterest expense to average assets | 4.1868% | 611 |
| Loan and lease loss provision to assets | 0.0555% | 3,439 |
| Net operating income to assets | 0.6360% | 4,208 |
| Return on assets (ROA) | 0.6676% | 4,151 |
| Pretax return on assets | 0.6697% | 4,727 |
| Return on Equity (ROE) | 6.7004% | 3,788 |
| Retained earnings to average equity (ytd only) | 2.7239% | 4,303 |
| Net charge-offs to loans | 0.0992% | 3,091 |
| Credit loss provision to net charge-offs | 91.2647% | 2,621 |
| Earnings coverage of net charge-offs (x) | 11.4107% | 2,491 |
| Efficiency ratio | 85.5443% | 1,225 |
| Assets per employee ($millions) | 3.2620% | 5,326 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5549% | 515 |
| Loan loss allowance to noncurrent loans | 959.8035% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 5,322 |
| Noncurrent loans to loans | 0.2662% | 4,888 |
| Net loans and leases to total assets | 59.8075% | 3,816 |
| Net loans and leases to deposits | 78.0987% | 2,965 |
| Net loans and leases to core deposits | 80.5207% | 3,234 |
| Total domestic deposits to total assets | 76.5794% | 5,659 |
| Equity capital to assets | 9.6826% | 4,491 |
| Core capital (leverage) ratio | 9.8989% | 3,714 |
| Tier 1 risk-based capital ratio | 16.4196% | 2,751 |
| Total risk-based capital ratio | 17.6873% | 2,691 |
| Memoranda: | ||
| Average total assets | $1,261,968,400 | 531 |
| Average earning assets | $1,167,207,400 | 533 |
| Average equity | $125,738,600 | 579 |
| Average total loans | $773,061,200 | 568 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,512 |
| Cost of funding earning assets | 0.4629% | 3,124 |
| Net interest margin | 3.3455% | 4,449 |
| Noninterest income to average assets | 1.8218% | 400 |
| Noninterest expense to average assets | 4.2044% | 606 |
| Loan and lease loss provision to assets | 0.0746% | 2,851 |
| Net operating income to assets | 0.6336% | 4,290 |
| Return on assets (ROA) | 0.6587% | 4,274 |
| Pretax return on assets | 0.6597% | 4,841 |
| Return on Equity (ROE) | 6.5629% | 3,927 |
| Retained earnings to average equity (ytd only) | 2.5793% | 4,749 |
| Net charge-offs to loans | 0.0540% | 3,439 |
| Credit loss provision to net charge-offs | 225.8065% | 1,153 |
| Earnings coverage of net charge-offs (x) | 21.4550% | 1,678 |
| Efficiency ratio | 85.3218% | 1,250 |
| Assets per employee ($millions) | 3.2254% | 5,378 |
| Cash dividends to net income (ytd only)* | 60.6993% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6069% | 565 |
| Loan loss allowance to noncurrent loans | 781.5132% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 5,384 |
| Noncurrent loans to loans | 0.3336% | 4,902 |
| Net loans and leases to total assets | 61.1784% | 3,600 |
| Net loans and leases to deposits | 80.1747% | 2,662 |
| Net loans and leases to core deposits | 82.4739% | 3,057 |
| Total domestic deposits to total assets | 76.3063% | 5,775 |
| Equity capital to assets | 9.8864% | 4,314 |
| Core capital (leverage) ratio | 9.8358% | 3,895 |
| Tier 1 risk-based capital ratio | 16.1567% | 2,980 |
| Total risk-based capital ratio | 17.4249% | 2,925 |
| Memoranda: | ||
| Average total assets | $1,250,449,250 | 538 |
| Average earning assets | $1,155,576,500 | 533 |
| Average equity | $125,510,000 | 574 |
| Average total loans | $765,621,500 | 567 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 4,575 |
| Cost of funding earning assets | 0.4734% | 3,082 |
| Net interest margin | 3.3115% | 4,541 |
| Noninterest income to average assets | 1.8389% | 400 |
| Noninterest expense to average assets | 4.1598% | 630 |
| Loan and lease loss provision to assets | 0.0967% | 2,412 |
| Net operating income to assets | 0.6386% | 4,157 |
| Return on assets (ROA) | 0.6767% | 4,061 |
| Pretax return on assets | 0.6778% | 4,716 |
| Return on Equity (ROE) | 6.7072% | 3,775 |
| Retained earnings to average equity (ytd only) | 2.7120% | 4,474 |
| Net charge-offs to loans | -0.0186% | 5,519 |
| Credit loss provision to net charge-offs | -857.1429% | 5,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7076% | 1,427 |
| Assets per employee ($millions) | 3.1574% | 5,492 |
| Cash dividends to net income (ytd only)* | 59.5664% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7078% | 531 |
| Loan loss allowance to noncurrent loans | 789.0085% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 5,382 |
| Noncurrent loans to loans | 0.3432% | 4,982 |
| Net loans and leases to total assets | 59.9992% | 3,713 |
| Net loans and leases to deposits | 78.4756% | 2,736 |
| Net loans and leases to core deposits | 80.6911% | 3,131 |
| Total domestic deposits to total assets | 76.4559% | 5,864 |
| Equity capital to assets | 9.9104% | 4,236 |
| Core capital (leverage) ratio | 9.8933% | 3,756 |
| Tier 1 risk-based capital ratio | 16.5269% | 2,811 |
| Total risk-based capital ratio | 17.7965% | 2,770 |
| Memoranda: | ||
| Average total assets | $1,240,443,670 | 543 |
| Average earning assets | $1,145,295,000 | 538 |
| Average equity | $125,149,330 | 570 |
| Average total loans | $752,716,670 | 575 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7532% | 4,656 |
| Cost of funding earning assets | 0.4946% | 2,962 |
| Net interest margin | 3.2587% | 4,707 |
| Noninterest income to average assets | 1.7543% | 413 |
| Noninterest expense to average assets | 4.1825% | 613 |
| Loan and lease loss provision to assets | 0.0980% | 2,287 |
| Net operating income to assets | 0.4838% | 4,769 |
| Return on assets (ROA) | 0.5861% | 4,330 |
| Pretax return on assets | 0.5874% | 4,870 |
| Return on Equity (ROE) | 5.7559% | 4,151 |
| Retained earnings to average equity (ytd only) | 1.7454% | 4,911 |
| Net charge-offs to loans | -0.0201% | 5,363 |
| Credit loss provision to net charge-offs | -810.8108% | 5,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5034% | 1,283 |
| Assets per employee ($millions) | 3.0394% | 5,795 |
| Cash dividends to net income (ytd only)* | 69.6767% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7886% | 551 |
| Loan loss allowance to noncurrent loans | 547.3698% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 5,203 |
| Noncurrent loans to loans | 0.5094% | 4,639 |
| Net loans and leases to total assets | 58.7958% | 3,726 |
| Net loans and leases to deposits | 76.6739% | 2,732 |
| Net loans and leases to core deposits | 79.0711% | 3,080 |
| Total domestic deposits to total assets | 76.6830% | 6,002 |
| Equity capital to assets | 10.0914% | 3,734 |
| Core capital (leverage) ratio | 10.2115% | 3,278 |
| Tier 1 risk-based capital ratio | 16.8949% | 2,737 |
| Total risk-based capital ratio | 18.1651% | 2,684 |
| Memoranda: | ||
| Average total assets | $1,224,440,000 | 553 |
| Average earning assets | $1,131,508,000 | 547 |
| Average equity | $124,671,500 | 576 |
| Average total loans | $736,720,500 | 589 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 5,122 |
| Cost of funding earning assets | 0.5507% | 3,102 |
| Net interest margin | 3.1535% | 5,149 |
| Noninterest income to average assets | 2.0502% | 380 |
| Noninterest expense to average assets | 4.3379% | 608 |
| Loan and lease loss provision to assets | 0.0489% | 4,153 |
| Net operating income to assets | 0.5808% | 4,354 |
| Return on assets (ROA) | 0.5808% | 4,467 |
| Pretax return on assets | 0.5810% | 4,931 |
| Return on Equity (ROE) | 5.7775% | 4,225 |
| Retained earnings to average equity (ytd only) | 1.7220% | 5,013 |
| Net charge-offs to loans | 0.0432% | 4,612 |
| Credit loss provision to net charge-offs | 198.0198% | 1,158 |
| Earnings coverage of net charge-offs (x) | 25.4950% | 1,325 |
| Efficiency ratio | 87.1085% | 1,302 |
| Assets per employee ($millions) | 2.9411% | 5,922 |
| Cash dividends to net income (ytd only)* | 70.1951% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8446% | 564 |
| Loan loss allowance to noncurrent loans | 571.7699% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 5,323 |
| Noncurrent loans to loans | 0.4975% | 4,752 |
| Net loans and leases to total assets | 58.1430% | 4,016 |
| Net loans and leases to deposits | 76.1736% | 2,945 |
| Net loans and leases to core deposits | 78.6798% | 3,280 |
| Total domestic deposits to total assets | 76.3296% | 6,065 |
| Equity capital to assets | 10.2748% | 3,418 |
| Core capital (leverage) ratio | 10.1744% | 3,332 |
| Tier 1 risk-based capital ratio | 17.2264% | 2,517 |
| Total risk-based capital ratio | 18.4969% | 2,486 |
| Memoranda: | ||
| Average total assets | $1,226,385,200 | 534 |
| Average earning assets | $1,134,658,800 | 524 |
| Average equity | $123,289,000 | 571 |
| Average total loans | $701,583,200 | 597 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 5,238 |
| Cost of funding earning assets | 0.5645% | 3,127 |
| Net interest margin | 3.1097% | 5,295 |
| Noninterest income to average assets | 2.0873% | 394 |
| Noninterest expense to average assets | 4.2850% | 644 |
| Loan and lease loss provision to assets | 0.0650% | 3,758 |
| Net operating income to assets | 0.6135% | 4,290 |
| Return on assets (ROA) | 0.6135% | 4,416 |
| Pretax return on assets | 0.6138% | 4,971 |
| Return on Equity (ROE) | 6.1356% | 4,117 |
| Retained earnings to average equity (ytd only) | 2.0726% | 5,090 |
| Net charge-offs to loans | 0.0870% | 3,706 |
| Credit loss provision to net charge-offs | 132.1586% | 1,786 |
| Earnings coverage of net charge-offs (x) | 13.8017% | 1,996 |
| Efficiency ratio | 86.1134% | 1,352 |
| Assets per employee ($millions) | 2.9790% | 5,882 |
| Cash dividends to net income (ytd only)* | 66.2194% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8967% | 619 |
| Loan loss allowance to noncurrent loans | 660.4268% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 5,626 |
| Noncurrent loans to loans | 0.4386% | 5,101 |
| Net loans and leases to total assets | 56.4761% | 4,250 |
| Net loans and leases to deposits | 74.0506% | 3,226 |
| Net loans and leases to core deposits | 76.5034% | 3,561 |
| Total domestic deposits to total assets | 76.2669% | 6,142 |
| Equity capital to assets | 10.1672% | 3,681 |
| Core capital (leverage) ratio | 9.9766% | 3,708 |
| Tier 1 risk-based capital ratio | 17.6770% | 2,447 |
| Total risk-based capital ratio | 18.9483% | 2,407 |
| Memoranda: | ||
| Average total assets | $1,230,780,000 | 533 |
| Average earning assets | $1,138,455,500 | 522 |
| Average equity | $123,060,750 | 578 |
| Average total loans | $696,125,500 | 603 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6239% | 5,364 |
| Cost of funding earning assets | 0.5686% | 3,230 |
| Net interest margin | 3.0553% | 5,412 |
| Noninterest income to average assets | 2.0404% | 431 |
| Noninterest expense to average assets | 3.9433% | 925 |
| Loan and lease loss provision to assets | 0.0970% | 3,170 |
| Net operating income to assets | 0.8319% | 3,139 |
| Return on assets (ROA) | 0.8319% | 3,292 |
| Pretax return on assets | 0.8319% | 4,190 |
| Return on Equity (ROE) | 8.3666% | 2,910 |
| Retained earnings to average equity (ytd only) | 4.3012% | 3,549 |
| Net charge-offs to loans | 0.1010% | 3,352 |
| Credit loss provision to net charge-offs | 171.4286% | 1,375 |
| Earnings coverage of net charge-offs (x) | 16.4143% | 1,669 |
| Efficiency ratio | 80.7182% | 2,059 |
| Assets per employee ($millions) | 3.2470% | 5,378 |
| Cash dividends to net income (ytd only)* | 48.5909% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9361% | 628 |
| Loan loss allowance to noncurrent loans | 602.7892% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 5,604 |
| Noncurrent loans to loans | 0.4871% | 5,043 |
| Net loans and leases to total assets | 54.1536% | 4,570 |
| Net loans and leases to deposits | 72.1167% | 3,432 |
| Net loans and leases to core deposits | 74.5096% | 3,728 |
| Total domestic deposits to total assets | 75.0915% | 6,348 |
| Equity capital to assets | 9.9286% | 4,003 |
| Core capital (leverage) ratio | 10.0094% | 3,499 |
| Tier 1 risk-based capital ratio | 17.8068% | 2,393 |
| Total risk-based capital ratio | 19.0782% | 2,348 |
| Memoranda: | ||
| Average total assets | $1,236,886,000 | 533 |
| Average earning assets | $1,146,392,330 | 521 |
| Average equity | $122,989,670 | 583 |
| Average total loans | $693,108,000 | 602 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 5,387 |
| Cost of funding earning assets | 0.5643% | 3,436 |
| Net interest margin | 3.0566% | 5,406 |
| Noninterest income to average assets | 2.0946% | 407 |
| Noninterest expense to average assets | 3.9116% | 985 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0187% | 2,149 |
| Return on assets (ROA) | 1.0187% | 2,269 |
| Pretax return on assets | 1.0187% | 3,269 |
| Return on Equity (ROE) | 10.2368% | 1,979 |
| Retained earnings to average equity (ytd only) | 6.1473% | 2,601 |
| Net charge-offs to loans | 0.1148% | 2,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.8030% | 1,387 |
| Efficiency ratio | 79.1204% | 2,453 |
| Assets per employee ($millions) | 3.3002% | 5,432 |
| Cash dividends to net income (ytd only)* | 39.9489% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9324% | 707 |
| Loan loss allowance to noncurrent loans | 494.7770% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 5,542 |
| Noncurrent loans to loans | 0.5927% | 4,955 |
| Net loans and leases to total assets | 54.1506% | 4,388 |
| Net loans and leases to deposits | 72.2100% | 3,157 |
| Net loans and leases to core deposits | 74.5917% | 3,505 |
| Total domestic deposits to total assets | 74.9904% | 6,459 |
| Equity capital to assets | 10.0393% | 4,099 |
| Core capital (leverage) ratio | 9.9607% | 3,441 |
| Tier 1 risk-based capital ratio | 17.7353% | 2,471 |
| Total risk-based capital ratio | 19.0074% | 2,426 |
| Memoranda: | ||
| Average total assets | $1,228,656,500 | 536 |
| Average earning assets | $1,139,830,500 | 527 |
| Average equity | $122,264,500 | 595 |
| Average total loans | $690,031,000 | 608 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 5,767 |
| Cost of funding earning assets | 0.5956% | 4,399 |
| Net interest margin | 3.2272% | 5,501 |
| Noninterest income to average assets | 1.9971% | 436 |
| Noninterest expense to average assets | 4.0858% | 878 |
| Loan and lease loss provision to assets | 0.0981% | 4,419 |
| Net operating income to assets | 0.7995% | 3,290 |
| Return on assets (ROA) | 0.8120% | 3,476 |
| Pretax return on assets | 0.8120% | 4,250 |
| Return on Equity (ROE) | 8.3199% | 2,949 |
| Retained earnings to average equity (ytd only) | 4.1323% | 3,317 |
| Net charge-offs to loans | 0.0910% | 4,762 |
| Credit loss provision to net charge-offs | 200.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | 18.3017% | 1,445 |
| Efficiency ratio | 81.9230% | 1,872 |
| Assets per employee ($millions) | 3.3055% | 5,408 |
| Cash dividends to net income (ytd only)* | 50.3322% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9173% | 724 |
| Loan loss allowance to noncurrent loans | 342.8161% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 5,182 |
| Noncurrent loans to loans | 0.8510% | 4,482 |
| Net loans and leases to total assets | 54.8865% | 4,472 |
| Net loans and leases to deposits | 73.1282% | 3,237 |
| Net loans and leases to core deposits | 75.5364% | 3,598 |
| Total domestic deposits to total assets | 75.0551% | 6,441 |
| Equity capital to assets | 9.8630% | 4,361 |
| Core capital (leverage) ratio | 9.7216% | 3,771 |
| Tier 1 risk-based capital ratio | 17.1040% | 2,600 |
| Total risk-based capital ratio | 18.3764% | 2,561 |
| Memoranda: | ||
| Average total assets | $1,223,399,400 | 536 |
| Average earning assets | $1,132,087,800 | 524 |
| Average equity | $119,400,400 | 605 |
| Average total loans | $659,529,800 | 624 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 5,950 |
| Cost of funding earning assets | 0.6020% | 4,627 |
| Net interest margin | 3.2287% | 5,619 |
| Noninterest income to average assets | 2.0024% | 420 |
| Noninterest expense to average assets | 4.0892% | 839 |
| Loan and lease loss provision to assets | 0.0491% | 5,153 |
| Net operating income to assets | 0.8546% | 3,190 |
| Return on assets (ROA) | 0.8713% | 3,368 |
| Pretax return on assets | 0.8713% | 4,220 |
| Return on Equity (ROE) | 8.9518% | 2,829 |
| Retained earnings to average equity (ytd only) | 4.7478% | 3,558 |
| Net charge-offs to loans | 0.0477% | 4,985 |
| Credit loss provision to net charge-offs | 193.1330% | 1,436 |
| Earnings coverage of net charge-offs (x) | 35.5449% | 959 |
| Efficiency ratio | 81.8293% | 1,828 |
| Assets per employee ($millions) | 3.3339% | 5,355 |
| Cash dividends to net income (ytd only)* | 46.9631% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9671% | 745 |
| Loan loss allowance to noncurrent loans | 319.6979% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5229% | 5,368 |
| Noncurrent loans to loans | 0.9281% | 4,575 |
| Net loans and leases to total assets | 51.6345% | 5,096 |
| Net loans and leases to deposits | 68.2267% | 4,146 |
| Net loans and leases to core deposits | 70.2451% | 4,477 |
| Total domestic deposits to total assets | 75.6808% | 6,432 |
| Equity capital to assets | 9.5925% | 5,079 |
| Core capital (leverage) ratio | 9.7056% | 3,951 |
| Tier 1 risk-based capital ratio | 17.3872% | 2,584 |
| Total risk-based capital ratio | 18.6607% | 2,541 |
| Memoranda: | ||
| Average total assets | $1,221,836,500 | 539 |
| Average earning assets | $1,131,699,500 | 532 |
| Average equity | $118,930,500 | 605 |
| Average total loans | $650,614,000 | 639 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 5,995 |
| Cost of funding earning assets | 0.6197% | 4,723 |
| Net interest margin | 3.2474% | 5,603 |
| Noninterest income to average assets | 1.9910% | 411 |
| Noninterest expense to average assets | 4.0909% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9116% | 2,853 |
| Return on assets (ROA) | 0.9222% | 3,063 |
| Pretax return on assets | 0.9222% | 3,996 |
| Return on Equity (ROE) | 9.4269% | 2,603 |
| Retained earnings to average equity (ytd only) | 5.1996% | 3,154 |
| Net charge-offs to loans | -0.0376% | 6,590 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6937% | 1,929 |
| Assets per employee ($millions) | 3.2105% | 5,627 |
| Cash dividends to net income (ytd only)* | 44.8430% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9783% | 792 |
| Loan loss allowance to noncurrent loans | 546.4128% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 5,946 |
| Noncurrent loans to loans | 0.5451% | 5,429 |
| Net loans and leases to total assets | 53.0160% | 4,958 |
| Net loans and leases to deposits | 70.4362% | 3,832 |
| Net loans and leases to core deposits | 71.7605% | 4,323 |
| Total domestic deposits to total assets | 75.2681% | 6,559 |
| Equity capital to assets | 9.8296% | 4,577 |
| Core capital (leverage) ratio | 9.8564% | 3,642 |
| Tier 1 risk-based capital ratio | 17.7701% | 2,376 |
| Total risk-based capital ratio | 19.0439% | 2,337 |
| Memoranda: | ||
| Average total assets | $1,209,039,330 | 547 |
| Average earning assets | $1,121,214,000 | 535 |
| Average equity | $118,278,330 | 606 |
| Average total loans | $643,948,330 | 646 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 6,138 |
| Cost of funding earning assets | 0.6251% | 4,931 |
| Net interest margin | 3.2262% | 5,714 |
| Noninterest income to average assets | 2.0326% | 399 |
| Noninterest expense to average assets | 3.9921% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0296% | 2,361 |
| Return on assets (ROA) | 1.0296% | 2,548 |
| Pretax return on assets | 1.0296% | 3,571 |
| Return on Equity (ROE) | 10.5496% | 2,211 |
| Retained earnings to average equity (ytd only) | 6.2985% | 2,796 |
| Net charge-offs to loans | -0.0366% | 6,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4052% | 2,286 |
| Assets per employee ($millions) | 3.1349% | 5,890 |
| Cash dividends to net income (ytd only)* | 40.2966% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1338% | 730 |
| Loan loss allowance to noncurrent loans | 575.6489% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 6,010 |
| Noncurrent loans to loans | 0.5444% | 5,571 |
| Net loans and leases to total assets | 50.1616% | 5,283 |
| Net loans and leases to deposits | 67.0196% | 4,228 |
| Net loans and leases to core deposits | 69.1445% | 4,544 |
| Total domestic deposits to total assets | 74.8462% | 6,667 |
| Equity capital to assets | 9.7405% | 4,466 |
| Core capital (leverage) ratio | 9.8845% | 3,520 |
| Tier 1 risk-based capital ratio | 18.5590% | 2,128 |
| Total risk-based capital ratio | 19.8341% | 2,083 |
| Memoranda: | ||
| Average total assets | $1,205,177,000 | 551 |
| Average earning assets | $1,116,605,500 | 541 |
| Average equity | $117,616,000 | 611 |
| Average total loans | $633,482,000 | 655 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 6,167 |
| Cost of funding earning assets | 0.6988% | 5,550 |
| Net interest margin | 3.4599% | 5,289 |
| Noninterest income to average assets | 1.9970% | 380 |
| Noninterest expense to average assets | 4.0319% | 995 |
| Loan and lease loss provision to assets | 0.0957% | 5,398 |
| Net operating income to assets | 1.0584% | 1,969 |
| Return on assets (ROA) | 1.0442% | 2,177 |
| Pretax return on assets | 1.0442% | 3,056 |
| Return on Equity (ROE) | 10.9827% | 1,701 |
| Retained earnings to average equity (ytd only) | 6.7743% | 1,605 |
| Net charge-offs to loans | 0.0940% | 5,402 |
| Credit loss provision to net charge-offs | 185.3181% | 1,393 |
| Earnings coverage of net charge-offs (x) | 22.3491% | 1,063 |
| Efficiency ratio | 77.6798% | 2,634 |
| Assets per employee ($millions) | 3.1013% | 5,891 |
| Cash dividends to net income (ytd only)* | 38.3188% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0892% | 752 |
| Loan loss allowance to noncurrent loans | 586.4422% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 6,005 |
| Noncurrent loans to loans | 0.5268% | 5,662 |
| Net loans and leases to total assets | 51.7086% | 5,361 |
| Net loans and leases to deposits | 69.8724% | 4,124 |
| Net loans and leases to core deposits | 72.0626% | 4,525 |
| Total domestic deposits to total assets | 74.0044% | 6,715 |
| Equity capital to assets | 9.7783% | 4,470 |
| Core capital (leverage) ratio | 9.5709% | 3,915 |
| Tier 1 risk-based capital ratio | 18.1825% | 2,138 |
| Total risk-based capital ratio | 19.4575% | 2,094 |
| Memoranda: | ||
| Average total assets | $1,187,121,600 | 547 |
| Average earning assets | $1,094,147,000 | 538 |
| Average equity | $112,868,000 | 613 |
| Average total loans | $651,817,800 | 632 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1978% | 6,208 |
| Cost of funding earning assets | 0.7049% | 5,733 |
| Net interest margin | 3.4929% | 5,220 |
| Noninterest income to average assets | 2.0416% | 367 |
| Noninterest expense to average assets | 4.0361% | 965 |
| Loan and lease loss provision to assets | 0.1278% | 4,832 |
| Net operating income to assets | 1.0963% | 1,985 |
| Return on assets (ROA) | 1.0774% | 2,197 |
| Pretax return on assets | 1.0774% | 3,106 |
| Return on Equity (ROE) | 11.4138% | 1,715 |
| Retained earnings to average equity (ytd only) | 7.2434% | 1,841 |
| Net charge-offs to loans | 0.0838% | 5,138 |
| Credit loss provision to net charge-offs | 275.7282% | 1,041 |
| Earnings coverage of net charge-offs (x) | 26.4150% | 1,020 |
| Efficiency ratio | 76.6716% | 2,731 |
| Assets per employee ($millions) | 3.0949% | 5,910 |
| Cash dividends to net income (ytd only)* | 36.5383% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0780% | 814 |
| Loan loss allowance to noncurrent loans | 568.5445% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 6,101 |
| Noncurrent loans to loans | 0.5414% | 5,782 |
| Net loans and leases to total assets | 51.3410% | 5,536 |
| Net loans and leases to deposits | 70.4921% | 4,220 |
| Net loans and leases to core deposits | 72.6728% | 4,627 |
| Total domestic deposits to total assets | 72.8323% | 6,869 |
| Equity capital to assets | 9.4547% | 5,158 |
| Core capital (leverage) ratio | 9.5712% | 4,037 |
| Tier 1 risk-based capital ratio | 18.0640% | 2,229 |
| Total risk-based capital ratio | 19.3399% | 2,182 |
| Memoranda: | ||
| Average total assets | $1,185,402,000 | 557 |
| Average earning assets | $1,092,315,250 | 542 |
| Average equity | $111,896,750 | 622 |
| Average total loans | $655,501,750 | 636 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 6,095 |
| Cost of funding earning assets | 0.7164% | 5,859 |
| Net interest margin | 3.5576% | 4,892 |
| Noninterest income to average assets | 1.9600% | 370 |
| Noninterest expense to average assets | 4.0723% | 943 |
| Loan and lease loss provision to assets | 0.0998% | 5,075 |
| Net operating income to assets | 1.0592% | 2,007 |
| Return on assets (ROA) | 1.0306% | 2,196 |
| Pretax return on assets | 1.0306% | 3,118 |
| Return on Equity (ROE) | 10.9240% | 1,823 |
| Retained earnings to average equity (ytd only) | 6.4099% | 2,185 |
| Net charge-offs to loans | 0.0124% | 5,674 |
| Credit loss provision to net charge-offs | 1,429.2683% | 246 |
| Earnings coverage of net charge-offs (x) | 165.9512% | 214 |
| Efficiency ratio | 77.7988% | 2,740 |
| Assets per employee ($millions) | 2.9113% | 6,278 |
| Cash dividends to net income (ytd only)* | 41.3223% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0168% | 885 |
| Loan loss allowance to noncurrent loans | 480.9129% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 6,202 |
| Noncurrent loans to loans | 0.6273% | 5,668 |
| Net loans and leases to total assets | 53.4559% | 5,368 |
| Net loans and leases to deposits | 73.7207% | 3,848 |
| Net loans and leases to core deposits | 74.2877% | 4,543 |
| Total domestic deposits to total assets | 72.5114% | 6,977 |
| Equity capital to assets | 9.5417% | 4,746 |
| Core capital (leverage) ratio | 9.5596% | 3,868 |
| Tier 1 risk-based capital ratio | 17.5235% | 2,332 |
| Total risk-based capital ratio | 18.7970% | 2,295 |
| Memoranda: | ||
| Average total assets | $1,174,069,330 | 568 |
| Average earning assets | $1,079,589,670 | 554 |
| Average equity | $110,765,330 | 629 |
| Average total loans | $658,691,000 | 643 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3239% | 5,935 |
| Cost of funding earning assets | 0.7167% | 6,045 |
| Net interest margin | 3.6072% | 4,540 |
| Noninterest income to average assets | 1.9811% | 358 |
| Noninterest expense to average assets | 4.0696% | 954 |
| Loan and lease loss provision to assets | 0.2006% | 3,630 |
| Net operating income to assets | 1.0323% | 2,061 |
| Return on assets (ROA) | 0.9748% | 2,327 |
| Pretax return on assets | 0.9748% | 3,228 |
| Return on Equity (ROE) | 10.3925% | 1,960 |
| Retained earnings to average equity (ytd only) | 4.9189% | 3,246 |
| Net charge-offs to loans | 0.0212% | 4,780 |
| Credit loss provision to net charge-offs | 1,674.2857% | 232 |
| Earnings coverage of net charge-offs (x) | 102.9143% | 312 |
| Efficiency ratio | 76.7493% | 3,023 |
| Assets per employee ($millions) | 2.9967% | 6,149 |
| Cash dividends to net income (ytd only)* | 52.6685% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0337% | 890 |
| Loan loss allowance to noncurrent loans | 672.6621% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 6,467 |
| Noncurrent loans to loans | 0.4510% | 6,108 |
| Net loans and leases to total assets | 53.4921% | 5,381 |
| Net loans and leases to deposits | 73.2501% | 3,882 |
| Net loans and leases to core deposits | 73.8177% | 4,550 |
| Total domestic deposits to total assets | 73.0266% | 6,998 |
| Equity capital to assets | 9.3770% | 4,610 |
| Core capital (leverage) ratio | 9.5377% | 3,748 |
| Tier 1 risk-based capital ratio | 17.2894% | 2,376 |
| Total risk-based capital ratio | 18.5627% | 2,343 |
| Memoranda: | ||
| Average total assets | $1,168,655,000 | 575 |
| Average earning assets | $1,076,070,000 | 562 |
| Average equity | $109,618,000 | 632 |
| Average total loans | $661,486,000 | 649 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 6,456 |
| Cost of funding earning assets | 0.8318% | 6,433 |
| Net interest margin | 3.6438% | 4,603 |
| Noninterest income to average assets | 2.1550% | 353 |
| Noninterest expense to average assets | 3.9457% | 1,244 |
| Loan and lease loss provision to assets | 0.4047% | 3,689 |
| Net operating income to assets | 1.1557% | 1,528 |
| Return on assets (ROA) | 1.2021% | 1,488 |
| Pretax return on assets | 1.2021% | 2,222 |
| Return on Equity (ROE) | 13.3662% | 1,005 |
| Retained earnings to average equity (ytd only) | 7.9193% | 1,004 |
| Net charge-offs to loans | 0.3003% | 4,512 |
| Credit loss provision to net charge-offs | 227.0554% | 1,302 |
| Earnings coverage of net charge-offs (x) | 8.7548% | 1,927 |
| Efficiency ratio | 71.6613% | 3,860 |
| Assets per employee ($millions) | 3.0759% | 5,932 |
| Cash dividends to net income (ytd only)* | 40.7512% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8454% | 1,005 |
| Loan loss allowance to noncurrent loans | 779.7314% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 6,618 |
| Noncurrent loans to loans | 0.3649% | 6,328 |
| Net loans and leases to total assets | 56.4093% | 5,275 |
| Net loans and leases to deposits | 76.9409% | 3,692 |
| Net loans and leases to core deposits | 77.8812% | 4,473 |
| Total domestic deposits to total assets | 73.3151% | 6,969 |
| Equity capital to assets | 9.3828% | 4,565 |
| Core capital (leverage) ratio | 9.2174% | 4,146 |
| Tier 1 risk-based capital ratio | 16.4232% | 2,557 |
| Total risk-based capital ratio | 17.6940% | 2,518 |
| Memoranda: | ||
| Average total assets | $1,173,795,600 | 571 |
| Average earning assets | $1,079,487,000 | 559 |
| Average equity | $105,565,000 | 641 |
| Average total loans | $696,631,000 | 629 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 6,619 |
| Cost of funding earning assets | 0.8652% | 6,524 |
| Net interest margin | 3.6287% | 4,736 |
| Noninterest income to average assets | 2.1857% | 335 |
| Noninterest expense to average assets | 3.9331% | 1,152 |
| Loan and lease loss provision to assets | 0.4530% | 3,208 |
| Net operating income to assets | 1.1316% | 1,794 |
| Return on assets (ROA) | 1.1933% | 1,694 |
| Pretax return on assets | 1.1933% | 2,515 |
| Return on Equity (ROE) | 13.4113% | 1,160 |
| Retained earnings to average equity (ytd only) | 7.6838% | 1,523 |
| Net charge-offs to loans | 0.2462% | 4,462 |
| Credit loss provision to net charge-offs | 308.4040% | 1,031 |
| Earnings coverage of net charge-offs (x) | 10.7880% | 1,853 |
| Efficiency ratio | 71.2820% | 3,838 |
| Assets per employee ($millions) | 3.0433% | 6,050 |
| Cash dividends to net income (ytd only)* | 42.7067% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8184% | 991 |
| Loan loss allowance to noncurrent loans | 651.8330% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 6,649 |
| Noncurrent loans to loans | 0.4324% | 6,332 |
| Net loans and leases to total assets | 55.6446% | 5,604 |
| Net loans and leases to deposits | 76.4032% | 4,103 |
| Net loans and leases to core deposits | 77.7823% | 4,828 |
| Total domestic deposits to total assets | 72.8302% | 7,052 |
| Equity capital to assets | 8.9913% | 5,596 |
| Core capital (leverage) ratio | 9.0206% | 4,662 |
| Tier 1 risk-based capital ratio | 16.3160% | 2,628 |
| Total risk-based capital ratio | 17.5887% | 2,576 |
| Memoranda: | ||
| Average total assets | $1,177,338,000 | 566 |
| Average earning assets | $1,081,061,750 | 555 |
| Average equity | $104,755,000 | 635 |
| Average total loans | $702,465,000 | 624 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 6,597 |
| Cost of funding earning assets | 0.8940% | 6,608 |
| Net interest margin | 3.6540% | 4,560 |
| Noninterest income to average assets | 2.1094% | 329 |
| Noninterest expense to average assets | 3.9240% | 1,150 |
| Loan and lease loss provision to assets | 0.4774% | 2,919 |
| Net operating income to assets | 1.0660% | 1,961 |
| Return on assets (ROA) | 1.1589% | 1,737 |
| Pretax return on assets | 1.1589% | 2,551 |
| Return on Equity (ROE) | 13.0719% | 1,224 |
| Retained earnings to average equity (ytd only) | 6.8225% | 1,915 |
| Net charge-offs to loans | 0.2591% | 4,052 |
| Credit loss provision to net charge-offs | 304.6790% | 1,201 |
| Earnings coverage of net charge-offs (x) | 9.8509% | 1,968 |
| Efficiency ratio | 71.7711% | 3,856 |
| Assets per employee ($millions) | 2.9246% | 6,304 |
| Cash dividends to net income (ytd only)* | 47.8082% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6600% | 1,130 |
| Loan loss allowance to noncurrent loans | 742.3667% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 6,769 |
| Noncurrent loans to loans | 0.3583% | 6,520 |
| Net loans and leases to total assets | 57.4967% | 5,491 |
| Net loans and leases to deposits | 79.3496% | 3,723 |
| Net loans and leases to core deposits | 80.8500% | 4,570 |
| Total domestic deposits to total assets | 72.4600% | 7,142 |
| Equity capital to assets | 8.9782% | 5,484 |
| Core capital (leverage) ratio | 8.8551% | 4,827 |
| Tier 1 risk-based capital ratio | 15.7266% | 2,793 |
| Total risk-based capital ratio | 16.9967% | 2,746 |
| Memoranda: | ||
| Average total assets | $1,173,135,670 | 568 |
| Average earning assets | $1,078,107,670 | 560 |
| Average equity | $104,009,330 | 635 |
| Average total loans | $709,505,670 | 620 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 6,637 |
| Cost of funding earning assets | 0.9110% | 6,725 |
| Net interest margin | 3.6585% | 4,444 |
| Noninterest income to average assets | 2.0852% | 325 |
| Noninterest expense to average assets | 3.8268% | 1,285 |
| Loan and lease loss provision to assets | 0.5448% | 2,321 |
| Net operating income to assets | 1.0760% | 1,910 |
| Return on assets (ROA) | 1.2615% | 1,453 |
| Pretax return on assets | 1.2615% | 2,169 |
| Return on Equity (ROE) | 14.3191% | 992 |
| Retained earnings to average equity (ytd only) | 8.5219% | 1,527 |
| Net charge-offs to loans | -0.0384% | 7,272 |
| Credit loss provision to net charge-offs | -2,318.8406% | 6,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2481% | 4,253 |
| Assets per employee ($millions) | 2.9329% | 6,376 |
| Cash dividends to net income (ytd only)* | 40.4858% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5417% | 1,243 |
| Loan loss allowance to noncurrent loans | 532.5029% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 6,670 |
| Noncurrent loans to loans | 0.4773% | 6,342 |
| Net loans and leases to total assets | 59.6839% | 5,174 |
| Net loans and leases to deposits | 82.7008% | 3,163 |
| Net loans and leases to core deposits | 83.9141% | 4,213 |
| Total domestic deposits to total assets | 72.1685% | 7,248 |
| Equity capital to assets | 8.9186% | 5,391 |
| Core capital (leverage) ratio | 8.7788% | 4,889 |
| Tier 1 risk-based capital ratio | 14.8684% | 3,169 |
| Total risk-based capital ratio | 16.1359% | 3,127 |
| Memoranda: | ||
| Average total assets | $1,174,774,500 | 582 |
| Average earning assets | $1,079,679,500 | 574 |
| Average equity | $103,498,000 | 641 |
| Average total loans | $718,753,000 | 630 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0447% | 6,291 |
| Cost of funding earning assets | 1.0970% | 6,991 |
| Net interest margin | 3.9477% | 3,090 |
| Noninterest income to average assets | 2.2265% | 321 |
| Noninterest expense to average assets | 4.1707% | 1,130 |
| Loan and lease loss provision to assets | 0.4560% | 4,091 |
| Net operating income to assets | 1.2261% | 1,184 |
| Return on assets (ROA) | 1.2261% | 1,240 |
| Pretax return on assets | 1.2261% | 1,884 |
| Return on Equity (ROE) | 14.0542% | 774 |
| Retained earnings to average equity (ytd only) | 5.9620% | 1,365 |
| Net charge-offs to loans | 0.2505% | 5,055 |
| Credit loss provision to net charge-offs | 279.9025% | 1,217 |
| Earnings coverage of net charge-offs (x) | 10.3256% | 1,698 |
| Efficiency ratio | 71.2595% | 4,399 |
| Assets per employee ($millions) | 2.9705% | 6,294 |
| Cash dividends to net income (ytd only)* | 57.5788% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2832% | 1,508 |
| Loan loss allowance to noncurrent loans | 509.1021% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 6,680 |
| Noncurrent loans to loans | 0.4485% | 6,374 |
| Net loans and leases to total assets | 59.7291% | 5,375 |
| Net loans and leases to deposits | 83.3738% | 3,386 |
| Net loans and leases to core deposits | 88.3905% | 5,289 |
| Total domestic deposits to total assets | 71.6401% | 7,276 |
| Equity capital to assets | 8.7029% | 5,578 |
| Core capital (leverage) ratio | 8.6191% | 5,067 |
| Tier 1 risk-based capital ratio | 14.4634% | 3,233 |
| Total risk-based capital ratio | 15.7277% | 3,177 |
| Memoranda: | ||
| Average total assets | $1,133,151,200 | 587 |
| Average earning assets | $1,040,882,200 | 581 |
| Average equity | $98,859,800 | 665 |
| Average total loans | $736,988,000 | 624 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1365% | 6,153 |
| Cost of funding earning assets | 1.1618% | 6,997 |
| Net interest margin | 3.9747% | 2,924 |
| Noninterest income to average assets | 2.2606% | 310 |
| Noninterest expense to average assets | 4.2271% | 1,003 |
| Loan and lease loss provision to assets | 0.4659% | 3,575 |
| Net operating income to assets | 1.2209% | 1,416 |
| Return on assets (ROA) | 1.2209% | 1,475 |
| Pretax return on assets | 1.2209% | 2,195 |
| Return on Equity (ROE) | 13.9854% | 933 |
| Retained earnings to average equity (ytd only) | 5.8100% | 2,040 |
| Net charge-offs to loans | 0.1716% | 5,016 |
| Credit loss provision to net charge-offs | 411.0178% | 970 |
| Earnings coverage of net charge-offs (x) | 14.8804% | 1,568 |
| Efficiency ratio | 71.4766% | 4,332 |
| Assets per employee ($millions) | 2.8225% | 6,607 |
| Cash dividends to net income (ytd only)* | 58.4567% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1638% | 1,487 |
| Loan loss allowance to noncurrent loans | 280.2604% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 5,981 |
| Noncurrent loans to loans | 0.7721% | 5,754 |
| Net loans and leases to total assets | 63.5395% | 4,963 |
| Net loans and leases to deposits | 88.8028% | 2,819 |
| Net loans and leases to core deposits | 94.4023% | 4,983 |
| Total domestic deposits to total assets | 71.5513% | 7,271 |
| Equity capital to assets | 8.7803% | 5,834 |
| Core capital (leverage) ratio | 8.6358% | 5,248 |
| Tier 1 risk-based capital ratio | 13.9396% | 3,583 |
| Total risk-based capital ratio | 15.2028% | 3,525 |
| Memoranda: | ||
| Average total assets | $1,120,872,250 | 605 |
| Average earning assets | $1,030,244,500 | 591 |
| Average equity | $97,852,000 | 677 |
| Average total loans | $740,570,750 | 639 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2362% | 5,932 |
| Cost of funding earning assets | 1.2449% | 6,977 |
| Net interest margin | 3.9914% | 2,733 |
| Noninterest income to average assets | 2.2744% | 305 |
| Noninterest expense to average assets | 4.2950% | 951 |
| Loan and lease loss provision to assets | 0.4889% | 3,089 |
| Net operating income to assets | 1.1602% | 1,585 |
| Return on assets (ROA) | 1.1602% | 1,664 |
| Pretax return on assets | 1.1602% | 2,431 |
| Return on Equity (ROE) | 13.3158% | 1,117 |
| Retained earnings to average equity (ytd only) | 5.0554% | 2,478 |
| Net charge-offs to loans | 0.0225% | 6,186 |
| Credit loss provision to net charge-offs | 3,273.4940% | 147 |
| Earnings coverage of net charge-offs (x) | 110.4217% | 347 |
| Efficiency ratio | 72.2575% | 4,360 |
| Assets per employee ($millions) | 2.7800% | 6,679 |
| Cash dividends to net income (ytd only)* | 62.0347% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1148% | 1,367 |
| Loan loss allowance to noncurrent loans | 308.6066% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 6,283 |
| Noncurrent loans to loans | 0.6853% | 5,876 |
| Net loans and leases to total assets | 64.0562% | 4,969 |
| Net loans and leases to deposits | 89.4921% | 2,897 |
| Net loans and leases to core deposits | 95.2021% | 4,987 |
| Total domestic deposits to total assets | 71.5775% | 7,298 |
| Equity capital to assets | 8.6210% | 5,868 |
| Core capital (leverage) ratio | 8.5572% | 5,343 |
| Tier 1 risk-based capital ratio | 13.6803% | 3,704 |
| Total risk-based capital ratio | 14.9428% | 3,624 |
| Memoranda: | ||
| Average total assets | $1,111,576,670 | 623 |
| Average earning assets | $1,021,954,000 | 609 |
| Average equity | $96,847,670 | 691 |
| Average total loans | $738,741,330 | 660 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 5,434 |
| Cost of funding earning assets | 1.3285% | 6,939 |
| Net interest margin | 4.0703% | 2,405 |
| Noninterest income to average assets | 2.1798% | 314 |
| Noninterest expense to average assets | 4.2746% | 875 |
| Loan and lease loss provision to assets | 0.5536% | 2,264 |
| Net operating income to assets | 1.0996% | 1,964 |
| Return on assets (ROA) | 1.0996% | 2,088 |
| Pretax return on assets | 1.0996% | 2,988 |
| Return on Equity (ROE) | 12.5516% | 1,500 |
| Retained earnings to average equity (ytd only) | 4.2200% | 3,561 |
| Net charge-offs to loans | 0.0289% | 5,122 |
| Credit loss provision to net charge-offs | 2,862.2642% | 235 |
| Earnings coverage of net charge-offs (x) | 85.4717% | 495 |
| Efficiency ratio | 72.1111% | 4,176 |
| Assets per employee ($millions) | 2.7280% | 6,817 |
| Cash dividends to net income (ytd only)* | 66.3790% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9848% | 1,452 |
| Loan loss allowance to noncurrent loans | 295.8182% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 6,120 |
| Noncurrent loans to loans | 0.6709% | 5,730 |
| Net loans and leases to total assets | 65.2892% | 4,750 |
| Net loans and leases to deposits | 91.2298% | 2,738 |
| Net loans and leases to core deposits | 96.9309% | 4,855 |
| Total domestic deposits to total assets | 71.5656% | 7,270 |
| Equity capital to assets | 8.6983% | 5,766 |
| Core capital (leverage) ratio | 8.6608% | 5,229 |
| Tier 1 risk-based capital ratio | 13.3366% | 3,975 |
| Total risk-based capital ratio | 14.5969% | 3,879 |
| Memoranda: | ||
| Average total assets | $1,096,066,000 | 631 |
| Average earning assets | $1,009,267,500 | 618 |
| Average equity | $96,020,000 | 694 |
| Average total loans | $734,253,000 | 673 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7407% | 6,638 |
| Cost of funding earning assets | 1.8327% | 6,922 |
| Net interest margin | 3.9080% | 3,519 |
| Noninterest income to average assets | 2.4844% | 254 |
| Noninterest expense to average assets | 4.3312% | 1,007 |
| Loan and lease loss provision to assets | 0.3533% | 3,569 |
| Net operating income to assets | 1.3756% | 1,289 |
| Return on assets (ROA) | 1.3763% | 1,239 |
| Pretax return on assets | 1.3763% | 2,042 |
| Return on Equity (ROE) | 15.3509% | 874 |
| Retained earnings to average equity (ytd only) | 1.5424% | 4,300 |
| Net charge-offs to loans | 0.2499% | 3,776 |
| Credit loss provision to net charge-offs | 218.8079% | 2,197 |
| Earnings coverage of net charge-offs (x) | 10.7078% | 2,473 |
| Efficiency ratio | 68.4290% | 4,651 |
| Assets per employee ($millions) | 2.6582% | 6,870 |
| Cash dividends to net income (ytd only)* | 89.9525% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8035% | 1,627 |
| Loan loss allowance to noncurrent loans | 362.0604% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 6,219 |
| Noncurrent loans to loans | 0.4981% | 5,852 |
| Net loans and leases to total assets | 66.1613% | 4,815 |
| Net loans and leases to deposits | 92.1155% | 3,113 |
| Net loans and leases to core deposits | 97.7490% | 5,062 |
| Total domestic deposits to total assets | 71.8243% | 7,032 |
| Equity capital to assets | 8.8239% | 5,613 |
| Core capital (leverage) ratio | 8.7944% | 5,044 |
| Tier 1 risk-based capital ratio | 13.1331% | 4,043 |
| Total risk-based capital ratio | 14.3906% | 3,946 |
| Memoranda: | ||
| Average total assets | $1,070,243,400 | 617 |
| Average earning assets | $979,221,600 | 615 |
| Average equity | $95,955,000 | 695 |
| Average total loans | $691,543,000 | 688 |