| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4614% | 2,175 |
| Cost of funding earning assets | 2.2220% | 1,373 |
| Net interest margin | 3.2394% | 2,913 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 2.5124% | 2,266 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.7584% | 2,952 |
| Return on assets (ROA) | 0.7755% | 2,912 |
| Pretax return on assets | 0.8246% | 3,137 |
| Return on Equity (ROE) | 8.9100% | 2,623 |
| Retained earnings to average equity (ytd only) | 1.3136% | 3,442 |
| Net charge-offs to loans | 0.0192% | 1,621 |
| Credit loss provision to net charge-offs | 43.8596% | 1,567 |
| Earnings coverage of net charge-offs (x) | 60.1579% | 913 |
| Efficiency ratio | 74.6315% | 1,372 |
| Assets per employee ($millions) | 8.4582% | 1,322 |
| Cash dividends to net income (ytd only)* | 85.2535% | 613 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7155% | 4,016 |
| Loan loss allowance to noncurrent loans | 1,122.6667% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,369 |
| Noncurrent loans to loans | 0.0637% | 3,355 |
| Net loans and leases to total assets | 69.7600% | 1,863 |
| Net loans and leases to deposits | 77.9309% | 2,236 |
| Net loans and leases to core deposits | 85.1071% | 2,384 |
| Total domestic deposits to total assets | 89.5200% | 978 |
| Equity capital to assets | 8.7684% | 3,108 |
| Core capital (leverage) ratio | 8.4262% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9068% | 2,524 |
| Memoranda: |
| Average total assets | $1,678,840,000 | 678 |
| Average earning assets | $1,530,900,000 | 678 |
| Average equity | $146,158,000 | 767 |
| Average total loans | $1,189,868,500 | 676 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7309% | 1,701 |
| Cost of funding earning assets | 2.6506% | 894 |
| Net interest margin | 3.0803% | 2,985 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.6301% | 1,934 |
| Loan and lease loss provision to assets | -0.0300% | 4,205 |
| Net operating income to assets | 0.5805% | 3,282 |
| Return on assets (ROA) | 0.5849% | 3,295 |
| Pretax return on assets | 0.6203% | 3,426 |
| Return on Equity (ROE) | 6.9500% | 3,037 |
| Retained earnings to average equity (ytd only) | -0.7297% | 4,063 |
| Net charge-offs to loans | -0.0028% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 80.8340% | 990 |
| Assets per employee ($millions) | 8.3315% | 1,346 |
| Cash dividends to net income (ytd only)* | 110.4959% | 185 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7026% | 4,056 |
| Loan loss allowance to noncurrent loans | 975.9815% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 3,021 |
| Noncurrent loans to loans | 0.0720% | 3,289 |
| Net loans and leases to total assets | 70.9800% | 1,783 |
| Net loans and leases to deposits | 79.7536% | 2,153 |
| Net loans and leases to core deposits | 87.4160% | 2,303 |
| Total domestic deposits to total assets | 88.9900% | 1,169 |
| Equity capital to assets | 8.6437% | 3,078 |
| Core capital (leverage) ratio | 8.2596% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7479% | 2,600 |
| Memoranda: |
| Average total assets | $1,744,452,400 | 653 |
| Average earning assets | $1,592,755,000 | 656 |
| Average equity | $146,774,600 | 739 |
| Average total loans | $1,248,593,000 | 648 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7560% | 1,625 |
| Cost of funding earning assets | 2.7269% | 802 |
| Net interest margin | 3.0291% | 3,037 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.4804% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6429% | 3,109 |
| Return on assets (ROA) | 0.6570% | 3,105 |
| Pretax return on assets | 0.6995% | 3,266 |
| Return on Equity (ROE) | 7.8600% | 2,802 |
| Retained earnings to average equity (ytd only) | -1.2037% | 4,150 |
| Net charge-offs to loans | 0.0078% | 2,372 |
| Credit loss provision to net charge-offs | 51.3514% | 2,042 |
| Earnings coverage of net charge-offs (x) | 121.5946% | 705 |
| Efficiency ratio | 77.3990% | 1,269 |
| Assets per employee ($millions) | 7.8980% | 1,585 |
| Cash dividends to net income (ytd only)* | 115.3137% | 156 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7042% | 4,080 |
| Loan loss allowance to noncurrent loans | 2,065.1054% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,152 |
| Noncurrent loans to loans | 0.0341% | 3,559 |
| Net loans and leases to total assets | 73.5700% | 1,425 |
| Net loans and leases to deposits | 84.6110% | 1,766 |
| Net loans and leases to core deposits | 93.0108% | 1,948 |
| Total domestic deposits to total assets | 86.9500% | 1,611 |
| Equity capital to assets | 8.8441% | 3,142 |
| Core capital (leverage) ratio | 8.1266% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2465% | 2,731 |
| Memoranda: |
| Average total assets | $1,759,826,500 | 639 |
| Average earning assets | $1,607,634,000 | 643 |
| Average equity | $147,101,000 | 722 |
| Average total loans | $1,260,004,750 | 633 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6996% | 1,602 |
| Cost of funding earning assets | 2.7858% | 678 |
| Net interest margin | 2.9138% | 3,228 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 2.4469% | 2,388 |
| Loan and lease loss provision to assets | -0.0200% | 4,221 |
| Net operating income to assets | 0.5785% | 3,236 |
| Return on assets (ROA) | 0.5797% | 3,260 |
| Pretax return on assets | 0.6152% | 3,414 |
| Return on Equity (ROE) | 7.0600% | 2,987 |
| Retained earnings to average equity (ytd only) | -4.8965% | 4,309 |
| Net charge-offs to loans | 0.0014% | 2,536 |
| Credit loss provision to net charge-offs | -666.6667% | 4,507 |
| Earnings coverage of net charge-offs (x) | 593.1111% | 208 |
| Efficiency ratio | 79.2730% | 1,185 |
| Assets per employee ($millions) | 7.8488% | 1,540 |
| Cash dividends to net income (ytd only)* | 169.3111% | 103 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7039% | 4,108 |
| Loan loss allowance to noncurrent loans | 812.6735% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,233 |
| Noncurrent loans to loans | 0.0866% | 3,224 |
| Net loans and leases to total assets | 71.7700% | 1,680 |
| Net loans and leases to deposits | 81.4137% | 2,076 |
| Net loans and leases to core deposits | 89.4717% | 2,180 |
| Total domestic deposits to total assets | 88.1500% | 1,273 |
| Equity capital to assets | 8.2636% | 3,257 |
| Core capital (leverage) ratio | 7.7476% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9560% | 2,791 |
| Memoranda: |
| Average total assets | $1,783,045,333 | 640 |
| Average earning assets | $1,630,768,333 | 640 |
| Average equity | $146,307,667 | 719 |
| Average total loans | $1,262,607,000 | 632 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6500% | 1,540 |
| Cost of funding earning assets | 2.8211% | 583 |
| Net interest margin | 2.8289% | 3,331 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 2.4518% | 2,379 |
| Loan and lease loss provision to assets | -0.0300% | 4,282 |
| Net operating income to assets | 0.5144% | 3,362 |
| Return on assets (ROA) | 0.5150% | 3,378 |
| Pretax return on assets | 0.5415% | 3,501 |
| Return on Equity (ROE) | 6.3000% | 3,133 |
| Retained earnings to average equity (ytd only) | 1.5717% | 3,353 |
| Net charge-offs to loans | 0.0107% | 1,692 |
| Credit loss provision to net charge-offs | -176.4706% | 4,498 |
| Earnings coverage of net charge-offs (x) | 67.9706% | 836 |
| Efficiency ratio | 81.6894% | 1,067 |
| Assets per employee ($millions) | 8.1240% | 1,376 |
| Cash dividends to net income (ytd only)* | 75.0429% | 811 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6935% | 4,121 |
| Loan loss allowance to noncurrent loans | 894.7906% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,315 |
| Noncurrent loans to loans | 0.0775% | 3,235 |
| Net loans and leases to total assets | 68.6300% | 1,947 |
| Net loans and leases to deposits | 77.5518% | 2,279 |
| Net loans and leases to core deposits | 85.2060% | 2,362 |
| Total domestic deposits to total assets | 88.4900% | 1,258 |
| Equity capital to assets | 8.0679% | 3,320 |
| Core capital (leverage) ratio | 7.7872% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1420% | 2,780 |
| Memoranda: |
| Average total assets | $1,811,204,500 | 641 |
| Average earning assets | $1,658,899,500 | 639 |
| Average equity | $148,117,000 | 717 |
| Average total loans | $1,269,891,500 | 626 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4061% | 1,300 |
| Cost of funding earning assets | 2.1943% | 646 |
| Net interest margin | 3.2118% | 2,849 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 2.9172% | 1,242 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.6524% | 3,307 |
| Return on assets (ROA) | 0.6585% | 3,276 |
| Pretax return on assets | 0.7036% | 3,428 |
| Return on Equity (ROE) | 7.5100% | 3,156 |
| Retained earnings to average equity (ytd only) | -1.7969% | 4,258 |
| Net charge-offs to loans | 0.0234% | 1,848 |
| Credit loss provision to net charge-offs | 264.5051% | 1,033 |
| Earnings coverage of net charge-offs (x) | 42.7474% | 1,402 |
| Efficiency ratio | 78.7789% | 1,003 |
| Assets per employee ($millions) | 7.8023% | 1,533 |
| Cash dividends to net income (ytd only)* | 123.9185% | 154 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6936% | 4,138 |
| Loan loss allowance to noncurrent loans | 5,942.2819% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,731 |
| Noncurrent loans to loans | 0.0117% | 3,673 |
| Net loans and leases to total assets | 70.6400% | 1,740 |
| Net loans and leases to deposits | 80.1486% | 2,093 |
| Net loans and leases to core deposits | 90.2820% | 2,032 |
| Total domestic deposits to total assets | 88.1400% | 1,299 |
| Equity capital to assets | 8.2898% | 3,210 |
| Core capital (leverage) ratio | 8.0431% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9033% | 2,828 |
| Memoranda: |
| Average total assets | $1,685,136,200 | 654 |
| Average earning assets | $1,534,581,800 | 653 |
| Average equity | $147,696,200 | 677 |
| Average total loans | $1,253,577,600 | 609 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3328% | 1,237 |
| Cost of funding earning assets | 2.0134% | 690 |
| Net interest margin | 3.3194% | 2,640 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.9888% | 1,085 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.7288% | 3,235 |
| Return on assets (ROA) | 0.7295% | 3,217 |
| Pretax return on assets | 0.7818% | 3,376 |
| Return on Equity (ROE) | 8.2000% | 3,127 |
| Retained earnings to average equity (ytd only) | -4.2324% | 4,407 |
| Net charge-offs to loans | 0.0295% | 1,483 |
| Credit loss provision to net charge-offs | 233.6957% | 1,024 |
| Earnings coverage of net charge-offs (x) | 37.5326% | 1,489 |
| Efficiency ratio | 77.3342% | 1,065 |
| Assets per employee ($millions) | 6.7201% | 2,169 |
| Cash dividends to net income (ytd only)* | 151.5987% | 56 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6950% | 4,146 |
| Loan loss allowance to noncurrent loans | 11,065.8228% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,826 |
| Noncurrent loans to loans | 0.0063% | 3,763 |
| Net loans and leases to total assets | 73.1800% | 1,450 |
| Net loans and leases to deposits | 83.1011% | 1,818 |
| Net loans and leases to core deposits | 94.8902% | 1,624 |
| Total domestic deposits to total assets | 88.0600% | 1,549 |
| Equity capital to assets | 8.0416% | 3,028 |
| Core capital (leverage) ratio | 8.1408% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9356% | 2,835 |
| Memoranda: |
| Average total assets | $1,657,790,750 | 666 |
| Average earning assets | $1,507,736,750 | 665 |
| Average equity | $147,429,750 | 677 |
| Average total loans | $1,247,827,000 | 609 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1720% | 1,252 |
| Cost of funding earning assets | 1.7786% | 769 |
| Net interest margin | 3.3933% | 2,539 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 3.0420% | 975 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7779% | 3,147 |
| Return on assets (ROA) | 0.7911% | 3,116 |
| Pretax return on assets | 0.8455% | 3,289 |
| Return on Equity (ROE) | 8.6100% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.9581% | 2,636 |
| Net charge-offs to loans | 0.0257% | 1,365 |
| Credit loss provision to net charge-offs | 201.2500% | 1,044 |
| Earnings coverage of net charge-offs (x) | 44.2750% | 1,346 |
| Efficiency ratio | 77.0889% | 1,085 |
| Assets per employee ($millions) | 6.4901% | 2,299 |
| Cash dividends to net income (ytd only)* | 30.8024% | 2,056 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6886% | 4,204 |
| Loan loss allowance to noncurrent loans | 5,926.3889% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 3,765 |
| Noncurrent loans to loans | 0.0116% | 3,698 |
| Net loans and leases to total assets | 73.2300% | 1,378 |
| Net loans and leases to deposits | 84.1717% | 1,656 |
| Net loans and leases to core deposits | 93.5384% | 1,592 |
| Total domestic deposits to total assets | 87.0000% | 1,924 |
| Equity capital to assets | 9.0789% | 2,456 |
| Core capital (leverage) ratio | 8.8954% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8257% | 2,675 |
| Memoranda: |
| Average total assets | $1,641,415,667 | 658 |
| Average earning assets | $1,493,397,333 | 660 |
| Average equity | $150,818,667 | 669 |
| Average total loans | $1,244,501,333 | 598 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9218% | 1,374 |
| Cost of funding earning assets | 1.4520% | 938 |
| Net interest margin | 3.4698% | 2,450 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 2.9873% | 1,082 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8587% | 2,994 |
| Return on assets (ROA) | 0.8712% | 2,906 |
| Pretax return on assets | 0.9319% | 3,165 |
| Return on Equity (ROE) | 9.4200% | 2,942 |
| Retained earnings to average equity (ytd only) | 4.0874% | 3,250 |
| Net charge-offs to loans | 0.0330% | 1,054 |
| Credit loss provision to net charge-offs | 145.6311% | 961 |
| Earnings coverage of net charge-offs (x) | 37.6214% | 1,213 |
| Efficiency ratio | 74.7654% | 1,270 |
| Assets per employee ($millions) | 6.6918% | 2,201 |
| Cash dividends to net income (ytd only)* | 56.6251% | 1,028 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6743% | 4,278 |
| Loan loss allowance to noncurrent loans | 2,825.1678% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,641 |
| Noncurrent loans to loans | 0.0239% | 3,598 |
| Net loans and leases to total assets | 73.5400% | 1,258 |
| Net loans and leases to deposits | 84.4058% | 1,471 |
| Net loans and leases to core deposits | 92.5726% | 1,474 |
| Total domestic deposits to total assets | 87.1300% | 2,218 |
| Equity capital to assets | 8.9442% | 2,558 |
| Core capital (leverage) ratio | 8.9684% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5105% | 2,849 |
| Memoranda: |
| Average total assets | $1,621,655,000 | 678 |
| Average earning assets | $1,475,805,500 | 679 |
| Average equity | $149,923,000 | 681 |
| Average total loans | $1,247,046,000 | 602 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1120% | 1,450 |
| Cost of funding earning assets | 0.4174% | 1,964 |
| Net interest margin | 3.6946% | 1,394 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 3.2692% | 657 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0534% | 2,361 |
| Return on assets (ROA) | 1.0166% | 2,450 |
| Pretax return on assets | 1.0872% | 2,812 |
| Return on Equity (ROE) | 10.3000% | 2,715 |
| Retained earnings to average equity (ytd only) | 9.6140% | 1,273 |
| Net charge-offs to loans | -0.0015% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.2314% | 1,416 |
| Assets per employee ($millions) | 5.7666% | 2,976 |
| Cash dividends to net income (ytd only)* | 6.6291% | 3,334 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5135% | 4,419 |
| Loan loss allowance to noncurrent loans | 1,595.0125% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,569 |
| Noncurrent loans to loans | 0.0322% | 3,551 |
| Net loans and leases to total assets | 79.5900% | 639 |
| Net loans and leases to deposits | 91.6706% | 930 |
| Net loans and leases to core deposits | 97.5473% | 1,126 |
| Total domestic deposits to total assets | 86.8200% | 2,453 |
| Equity capital to assets | 9.5709% | 1,953 |
| Core capital (leverage) ratio | 9.2404% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2739% | 2,925 |
| Memoranda: |
| Average total assets | $1,483,932,000 | 706 |
| Average earning assets | $1,336,795,200 | 717 |
| Average equity | $146,505,200 | 692 |
| Average total loans | $1,148,592,600 | 603 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8670% | 1,561 |
| Cost of funding earning assets | 0.2863% | 2,318 |
| Net interest margin | 3.5807% | 1,438 |
| Noninterest income to average assets | 1.2500% | 473 |
| Noninterest expense to average assets | 3.2906% | 604 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0266% | 2,382 |
| Return on assets (ROA) | 0.9838% | 2,510 |
| Pretax return on assets | 1.0482% | 2,879 |
| Return on Equity (ROE) | 9.8800% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.9708% | 1,659 |
| Net charge-offs to loans | -0.0058% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.5068% | 1,441 |
| Assets per employee ($millions) | 5.4847% | 3,239 |
| Cash dividends to net income (ytd only)* | 9.2464% | 2,857 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5259% | 4,451 |
| Loan loss allowance to noncurrent loans | 2,667.2199% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,810 |
| Noncurrent loans to loans | 0.0197% | 3,777 |
| Net loans and leases to total assets | 79.4600% | 576 |
| Net loans and leases to deposits | 91.9115% | 769 |
| Net loans and leases to core deposits | 95.7816% | 1,012 |
| Total domestic deposits to total assets | 86.4500% | 2,944 |
| Equity capital to assets | 9.1985% | 2,084 |
| Core capital (leverage) ratio | 9.0584% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7859% | 3,070 |
| Memoranda: |
| Average total assets | $1,465,671,500 | 721 |
| Average earning assets | $1,318,822,250 | 733 |
| Average equity | $145,877,250 | 699 |
| Average total loans | $1,124,355,750 | 607 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6452% | 1,700 |
| Cost of funding earning assets | 0.2343% | 2,454 |
| Net interest margin | 3.4109% | 1,569 |
| Noninterest income to average assets | 1.3450% | 391 |
| Noninterest expense to average assets | 3.2564% | 581 |
| Loan and lease loss provision to assets | 0.1183% | 850 |
| Net operating income to assets | 0.9698% | 2,268 |
| Return on assets (ROA) | 0.9374% | 2,390 |
| Pretax return on assets | 1.0000% | 2,733 |
| Return on Equity (ROE) | 9.1731% | 2,637 |
| Retained earnings to average equity (ytd only) | 9.1731% | 1,236 |
| Net charge-offs to loans | 0.0084% | 1,670 |
| Credit loss provision to net charge-offs | 1,856.5217% | 254 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 574 |
| Efficiency ratio | 72.7952% | 1,654 |
| Assets per employee ($millions) | 5.3029% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5317% | 4,519 |
| Loan loss allowance to noncurrent loans | 2,840.3670% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,879 |
| Noncurrent loans to loans | 0.0187% | 3,824 |
| Net loans and leases to total assets | 76.1075% | 723 |
| Net loans and leases to deposits | 86.7545% | 926 |
| Net loans and leases to core deposits | 90.2999% | 1,104 |
| Total domestic deposits to total assets | 87.7275% | 2,683 |
| Equity capital to assets | 9.4406% | 2,066 |
| Core capital (leverage) ratio | 9.1313% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6867% | 3,050 |
| Memoranda: |
| Average total assets | $1,444,154,333 | 722 |
| Average earning assets | $1,297,472,333 | 743 |
| Average equity | $147,583,667 | 700 |
| Average total loans | $1,091,710,000 | 609 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5709% | 1,584 |
| Cost of funding earning assets | 0.1780% | 3,111 |
| Net interest margin | 3.3928% | 1,313 |
| Noninterest income to average assets | 1.2459% | 457 |
| Noninterest expense to average assets | 3.3136% | 528 |
| Loan and lease loss provision to assets | 0.0433% | 1,579 |
| Net operating income to assets | 0.8734% | 2,397 |
| Return on assets (ROA) | 0.8232% | 2,574 |
| Pretax return on assets | 0.8784% | 2,862 |
| Return on Equity (ROE) | 7.7360% | 2,783 |
| Retained earnings to average equity (ytd only) | 7.7360% | 1,659 |
| Net charge-offs to loans | 0.0133% | 1,282 |
| Credit loss provision to net charge-offs | 434.2857% | 562 |
| Earnings coverage of net charge-offs (x) | 97.9143% | 681 |
| Efficiency ratio | 76.1349% | 1,510 |
| Assets per employee ($millions) | 5.0991% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5176% | 4,574 |
| Loan loss allowance to noncurrent loans | 710.8527% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,500 |
| Noncurrent loans to loans | 0.0728% | 3,487 |
| Net loans and leases to total assets | 74.8718% | 585 |
| Net loans and leases to deposits | 86.3084% | 716 |
| Net loans and leases to core deposits | 89.5596% | 945 |
| Total domestic deposits to total assets | 86.7491% | 3,020 |
| Equity capital to assets | 10.2484% | 1,725 |
| Core capital (leverage) ratio | 9.1670% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7730% | 3,061 |
| Memoranda: |
| Average total assets | $1,405,259,000 | 741 |
| Average earning assets | $1,260,415,500 | 768 |
| Average equity | $149,535,000 | 707 |
| Average total loans | $1,055,311,500 | 622 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5423% | 2,537 |
| Cost of funding earning assets | 0.3044% | 2,367 |
| Net interest margin | 3.2379% | 2,496 |
| Noninterest income to average assets | 2.1873% | 268 |
| Noninterest expense to average assets | 3.8688% | 329 |
| Loan and lease loss provision to assets | -0.2721% | 4,761 |
| Net operating income to assets | 1.3892% | 1,314 |
| Return on assets (ROA) | 1.3920% | 1,355 |
| Pretax return on assets | 1.4853% | 1,774 |
| Return on Equity (ROE) | 12.8107% | 1,522 |
| Retained earnings to average equity (ytd only) | 4.5617% | 2,982 |
| Net charge-offs to loans | -0.0169% | 3,920 |
| Credit loss provision to net charge-offs | 2,168.4524% | 294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1165% | 1,198 |
| Assets per employee ($millions) | 4.9931% | 3,733 |
| Cash dividends to net income (ytd only)* | 64.3915% | 933 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5141% | 4,612 |
| Loan loss allowance to noncurrent loans | 475.7951% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 3,373 |
| Noncurrent loans to loans | 0.1081% | 3,385 |
| Net loans and leases to total assets | 74.5464% | 620 |
| Net loans and leases to deposits | 86.5739% | 744 |
| Net loans and leases to core deposits | 89.9407% | 973 |
| Total domestic deposits to total assets | 86.1072% | 2,862 |
| Equity capital to assets | 11.0378% | 1,767 |
| Core capital (leverage) ratio | 9.1549% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7655% | 3,065 |
| Memoranda: |
| Average total assets | $1,338,752,000 | 747 |
| Average earning assets | $1,195,799,200 | 773 |
| Average equity | $145,472,600 | 739 |
| Average total loans | $992,826,600 | 659 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5531% | 2,688 |
| Cost of funding earning assets | 0.3462% | 2,152 |
| Net interest margin | 3.2069% | 2,708 |
| Noninterest income to average assets | 2.3247% | 270 |
| Noninterest expense to average assets | 3.9216% | 303 |
| Loan and lease loss provision to assets | -0.2820% | 4,823 |
| Net operating income to assets | 1.4465% | 1,406 |
| Return on assets (ROA) | 1.4418% | 1,478 |
| Pretax return on assets | 1.5398% | 1,877 |
| Return on Equity (ROE) | 13.3245% | 1,606 |
| Retained earnings to average equity (ytd only) | 2.1564% | 4,152 |
| Net charge-offs to loans | -0.0075% | 3,566 |
| Credit loss provision to net charge-offs | 5,090.9091% | 162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5965% | 1,163 |
| Assets per employee ($millions) | 4.7037% | 3,963 |
| Cash dividends to net income (ytd only)* | 83.8164% | 338 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6255% | 4,604 |
| Loan loss allowance to noncurrent loans | 404.1639% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 3,360 |
| Noncurrent loans to loans | 0.1548% | 3,349 |
| Net loans and leases to total assets | 72.2174% | 852 |
| Net loans and leases to deposits | 83.7490% | 977 |
| Net loans and leases to core deposits | 87.5019% | 1,186 |
| Total domestic deposits to total assets | 86.2307% | 2,652 |
| Equity capital to assets | 10.6010% | 2,365 |
| Core capital (leverage) ratio | 8.6024% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6468% | 3,108 |
| Memoranda: |
| Average total assets | $1,323,921,250 | 763 |
| Average earning assets | $1,180,691,500 | 792 |
| Average equity | $143,261,500 | 760 |
| Average total loans | $979,133,250 | 686 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5706% | 2,719 |
| Cost of funding earning assets | 0.4012% | 1,874 |
| Net interest margin | 3.1694% | 2,851 |
| Noninterest income to average assets | 2.4623% | 253 |
| Noninterest expense to average assets | 3.9511% | 302 |
| Loan and lease loss provision to assets | -0.4253% | 4,892 |
| Net operating income to assets | 1.6497% | 957 |
| Return on assets (ROA) | 1.6423% | 1,013 |
| Pretax return on assets | 1.7530% | 1,350 |
| Return on Equity (ROE) | 15.0727% | 1,133 |
| Retained earnings to average equity (ytd only) | 8.1030% | 2,040 |
| Net charge-offs to loans | -0.0108% | 3,699 |
| Credit loss provision to net charge-offs | 5,283.0189% | 129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7388% | 1,264 |
| Assets per employee ($millions) | 4.5062% | 4,103 |
| Cash dividends to net income (ytd only)* | 46.2406% | 1,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6116% | 4,646 |
| Loan loss allowance to noncurrent loans | 351.9286% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 3,356 |
| Noncurrent loans to loans | 0.1738% | 3,345 |
| Net loans and leases to total assets | 75.7552% | 614 |
| Net loans and leases to deposits | 88.6934% | 739 |
| Net loans and leases to core deposits | 93.2079% | 946 |
| Total domestic deposits to total assets | 85.4125% | 2,937 |
| Equity capital to assets | 11.2525% | 1,790 |
| Core capital (leverage) ratio | 9.0132% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3880% | 3,053 |
| Memoranda: |
| Average total assets | $1,316,805,333 | 759 |
| Average earning assets | $1,173,471,000 | 792 |
| Average equity | $143,478,000 | 753 |
| Average total loans | $979,633,333 | 685 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5506% | 2,785 |
| Cost of funding earning assets | 0.4709% | 1,587 |
| Net interest margin | 3.0797% | 3,054 |
| Noninterest income to average assets | 2.7882% | 224 |
| Noninterest expense to average assets | 4.0035% | 283 |
| Loan and lease loss provision to assets | 0.0303% | 2,382 |
| Net operating income to assets | 1.4026% | 1,564 |
| Return on assets (ROA) | 1.3953% | 1,659 |
| Pretax return on assets | 1.4920% | 2,014 |
| Return on Equity (ROE) | 13.0176% | 1,667 |
| Retained earnings to average equity (ytd only) | -1.1227% | 4,476 |
| Net charge-offs to loans | -0.0169% | 3,912 |
| Credit loss provision to net charge-offs | -243.9024% | 3,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3848% | 1,554 |
| Assets per employee ($millions) | 4.5976% | 4,016 |
| Cash dividends to net income (ytd only)* | 108.6248% | 367 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9210% | 4,099 |
| Loan loss allowance to noncurrent loans | 404.3576% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 3,321 |
| Noncurrent loans to loans | 0.2278% | 3,285 |
| Net loans and leases to total assets | 73.3835% | 862 |
| Net loans and leases to deposits | 87.0182% | 885 |
| Net loans and leases to core deposits | 92.6600% | 1,070 |
| Total domestic deposits to total assets | 84.3312% | 3,331 |
| Equity capital to assets | 10.6048% | 2,171 |
| Core capital (leverage) ratio | 8.6198% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3055% | 3,039 |
| Memoranda: |
| Average total assets | $1,319,549,000 | 752 |
| Average earning assets | $1,176,465,500 | 781 |
| Average equity | $141,439,000 | 754 |
| Average total loans | $969,697,500 | 695 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9957% | 2,741 |
| Cost of funding earning assets | 0.9379% | 746 |
| Net interest margin | 3.0578% | 3,736 |
| Noninterest income to average assets | 2.7745% | 218 |
| Noninterest expense to average assets | 4.3995% | 272 |
| Loan and lease loss provision to assets | 0.3687% | 896 |
| Net operating income to assets | 0.9166% | 2,623 |
| Return on assets (ROA) | 0.9608% | 2,587 |
| Pretax return on assets | 0.7989% | 3,628 |
| Return on Equity (ROE) | 8.6026% | 2,553 |
| Retained earnings to average equity (ytd only) | 5.0107% | 2,264 |
| Net charge-offs to loans | 0.0312% | 2,408 |
| Credit loss provision to net charge-offs | 1,590.3114% | 523 |
| Earnings coverage of net charge-offs (x) | 48.4533% | 1,230 |
| Efficiency ratio | 78.5642% | 991 |
| Assets per employee ($millions) | 4.4731% | 3,945 |
| Cash dividends to net income (ytd only)* | 41.7537% | 2,283 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9209% | 4,125 |
| Loan loss allowance to noncurrent loans | 449.7462% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,532 |
| Noncurrent loans to loans | 0.2048% | 3,474 |
| Net loans and leases to total assets | 72.2371% | 1,262 |
| Net loans and leases to deposits | 86.8491% | 1,185 |
| Net loans and leases to core deposits | 94.2271% | 1,231 |
| Total domestic deposits to total assets | 83.1753% | 3,358 |
| Equity capital to assets | 10.7631% | 2,466 |
| Core capital (leverage) ratio | 8.8260% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4393% | 3,032 |
| Memoranda: |
| Average total assets | $1,246,387,400 | 729 |
| Average earning assets | $1,120,331,600 | 738 |
| Average equity | $139,201,400 | 721 |
| Average total loans | $925,369,400 | 695 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0879% | 2,708 |
| Cost of funding earning assets | 1.0432% | 654 |
| Net interest margin | 3.0447% | 3,875 |
| Noninterest income to average assets | 2.7194% | 213 |
| Noninterest expense to average assets | 4.3021% | 295 |
| Loan and lease loss provision to assets | 0.4176% | 812 |
| Net operating income to assets | 1.0290% | 2,223 |
| Return on assets (ROA) | 1.0545% | 2,261 |
| Pretax return on assets | 0.7681% | 3,734 |
| Return on Equity (ROE) | 9.3508% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.3508% | 890 |
| Net charge-offs to loans | 0.0364% | 2,108 |
| Credit loss provision to net charge-offs | 1,538.4000% | 606 |
| Earnings coverage of net charge-offs (x) | 42.7440% | 1,314 |
| Efficiency ratio | 77.6375% | 1,072 |
| Assets per employee ($millions) | 4.2674% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8246% | 4,302 |
| Loan loss allowance to noncurrent loans | 454.7433% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 3,712 |
| Noncurrent loans to loans | 0.1813% | 3,659 |
| Net loans and leases to total assets | 77.0663% | 955 |
| Net loans and leases to deposits | 94.2840% | 900 |
| Net loans and leases to core deposits | 103.9805% | 924 |
| Total domestic deposits to total assets | 81.7385% | 3,485 |
| Equity capital to assets | 11.3062% | 2,145 |
| Core capital (leverage) ratio | 8.9595% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7584% | 2,971 |
| Memoranda: |
| Average total assets | $1,228,089,500 | 727 |
| Average earning assets | $1,106,325,750 | 735 |
| Average equity | $138,494,750 | 716 |
| Average total loans | $916,190,500 | 694 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1412% | 2,932 |
| Cost of funding earning assets | 1.1575% | 595 |
| Net interest margin | 2.9837% | 4,162 |
| Noninterest income to average assets | 2.4722% | 227 |
| Noninterest expense to average assets | 4.1796% | 337 |
| Loan and lease loss provision to assets | 0.4874% | 746 |
| Net operating income to assets | 0.3884% | 4,254 |
| Return on assets (ROA) | 0.4185% | 4,255 |
| Pretax return on assets | 0.5354% | 4,189 |
| Return on Equity (ROE) | 3.7784% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.7784% | 3,025 |
| Net charge-offs to loans | 0.0224% | 2,269 |
| Credit loss provision to net charge-offs | 2,956.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 59.7200% | 968 |
| Efficiency ratio | 79.7318% | 913 |
| Assets per employee ($millions) | 4.4661% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6209% | 4,714 |
| Loan loss allowance to noncurrent loans | 252.2947% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 3,504 |
| Noncurrent loans to loans | 0.2461% | 3,495 |
| Net loans and leases to total assets | 74.5632% | 1,334 |
| Net loans and leases to deposits | 90.6087% | 1,294 |
| Net loans and leases to core deposits | 101.1300% | 1,180 |
| Total domestic deposits to total assets | 82.2915% | 3,291 |
| Equity capital to assets | 10.5910% | 2,673 |
| Core capital (leverage) ratio | 8.5795% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9918% | 3,161 |
| Memoranda: |
| Average total assets | $1,212,949,000 | 723 |
| Average earning assets | $1,094,420,333 | 732 |
| Average equity | $134,344,000 | 734 |
| Average total loans | $892,189,667 | 700 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3016% | 2,917 |
| Cost of funding earning assets | 1.2843% | 586 |
| Net interest margin | 3.0173% | 4,254 |
| Noninterest income to average assets | 2.2484% | 231 |
| Noninterest expense to average assets | 4.2247% | 408 |
| Loan and lease loss provision to assets | 0.0925% | 2,528 |
| Net operating income to assets | 0.4995% | 3,897 |
| Return on assets (ROA) | 0.5380% | 3,843 |
| Pretax return on assets | 0.6985% | 3,689 |
| Return on Equity (ROE) | 4.7435% | 3,725 |
| Retained earnings to average equity (ytd only) | 4.7435% | 2,394 |
| Net charge-offs to loans | 0.0196% | 1,971 |
| Credit loss provision to net charge-offs | 647.6190% | 755 |
| Earnings coverage of net charge-offs (x) | 51.9762% | 875 |
| Efficiency ratio | 83.7681% | 842 |
| Assets per employee ($millions) | 4.0458% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3901% | 4,952 |
| Loan loss allowance to noncurrent loans | 142.8693% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 3,527 |
| Noncurrent loans to loans | 0.2731% | 3,519 |
| Net loans and leases to total assets | 72.7502% | 1,813 |
| Net loans and leases to deposits | 89.1256% | 1,623 |
| Net loans and leases to core deposits | 100.0704% | 1,462 |
| Total domestic deposits to total assets | 81.6266% | 3,516 |
| Equity capital to assets | 11.4252% | 2,505 |
| Core capital (leverage) ratio | 9.1171% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0914% | 3,315 |
| Memoranda: |
| Average total assets | $1,176,307,500 | 710 |
| Average earning assets | $1,059,892,500 | 724 |
| Average equity | $133,403,500 | 732 |
| Average total loans | $855,760,500 | 703 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7449% | 2,201 |
| Cost of funding earning assets | 1.4002% | 566 |
| Net interest margin | 3.3447% | 3,884 |
| Noninterest income to average assets | 2.1610% | 232 |
| Noninterest expense to average assets | 4.3325% | 360 |
| Loan and lease loss provision to assets | 0.0671% | 2,675 |
| Net operating income to assets | 0.5984% | 4,164 |
| Return on assets (ROA) | 0.5989% | 4,223 |
| Pretax return on assets | 0.7777% | 4,020 |
| Return on Equity (ROE) | 5.4362% | 4,091 |
| Retained earnings to average equity (ytd only) | 0.7331% | 4,482 |
| Net charge-offs to loans | 0.1098% | 1,633 |
| Credit loss provision to net charge-offs | 80.7531% | 2,787 |
| Earnings coverage of net charge-offs (x) | 10.1579% | 2,597 |
| Efficiency ratio | 82.4189% | 775 |
| Assets per employee ($millions) | 3.9569% | 3,952 |
| Cash dividends to net income (ytd only)* | 86.5147% | 614 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3695% | 5,005 |
| Loan loss allowance to noncurrent loans | 128.3142% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 3,509 |
| Noncurrent loans to loans | 0.2880% | 3,408 |
| Net loans and leases to total assets | 72.1941% | 2,063 |
| Net loans and leases to deposits | 87.9355% | 1,855 |
| Net loans and leases to core deposits | 100.4643% | 1,525 |
| Total domestic deposits to total assets | 82.0989% | 3,485 |
| Equity capital to assets | 11.2558% | 2,751 |
| Core capital (leverage) ratio | 8.9889% | 4,536 |
| Tier 1 risk-based capital ratio | 11.6218% | 4,562 |
| Total risk-based capital ratio | 11.9799% | 4,864 |
| Memoranda: |
| Average total assets | $1,150,290,800 | 689 |
| Average earning assets | $1,037,131,400 | 705 |
| Average equity | $126,725,400 | 723 |
| Average total loans | $870,448,000 | 663 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8105% | 2,087 |
| Cost of funding earning assets | 1.4051% | 574 |
| Net interest margin | 3.4053% | 3,854 |
| Noninterest income to average assets | 2.0844% | 246 |
| Noninterest expense to average assets | 4.2765% | 373 |
| Loan and lease loss provision to assets | 0.0899% | 2,104 |
| Net operating income to assets | 0.5966% | 4,299 |
| Return on assets (ROA) | 0.5966% | 4,352 |
| Pretax return on assets | 0.7863% | 4,149 |
| Return on Equity (ROE) | 5.4459% | 4,203 |
| Retained earnings to average equity (ytd only) | -0.8885% | 4,852 |
| Net charge-offs to loans | 0.0927% | 1,547 |
| Credit loss provision to net charge-offs | 126.7652% | 1,863 |
| Earnings coverage of net charge-offs (x) | 12.3563% | 2,364 |
| Efficiency ratio | 81.7138% | 776 |
| Assets per employee ($millions) | 3.9295% | 3,987 |
| Cash dividends to net income (ytd only)* | 116.3154% | 208 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4019% | 5,061 |
| Loan loss allowance to noncurrent loans | 124.0385% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 3,605 |
| Noncurrent loans to loans | 0.3240% | 3,371 |
| Net loans and leases to total assets | 73.4614% | 1,923 |
| Net loans and leases to deposits | 89.4491% | 1,759 |
| Net loans and leases to core deposits | 103.6019% | 1,360 |
| Total domestic deposits to total assets | 82.1265% | 3,440 |
| Equity capital to assets | 11.0810% | 3,031 |
| Core capital (leverage) ratio | 8.9272% | 4,687 |
| Tier 1 risk-based capital ratio | 11.3202% | 4,754 |
| Total risk-based capital ratio | 11.7167% | 5,010 |
| Memoranda: |
| Average total assets | $1,145,053,250 | 694 |
| Average earning assets | $1,031,724,250 | 706 |
| Average equity | $125,448,500 | 724 |
| Average total loans | $875,884,250 | 661 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8160% | 2,010 |
| Cost of funding earning assets | 1.3972% | 539 |
| Net interest margin | 3.4189% | 3,837 |
| Noninterest income to average assets | 1.9082% | 287 |
| Noninterest expense to average assets | 4.1998% | 414 |
| Loan and lease loss provision to assets | 0.0973% | 1,922 |
| Net operating income to assets | 0.5302% | 4,461 |
| Return on assets (ROA) | 0.5302% | 4,489 |
| Pretax return on assets | 0.6870% | 4,361 |
| Return on Equity (ROE) | 4.8584% | 4,376 |
| Retained earnings to average equity (ytd only) | -0.2277% | 4,719 |
| Net charge-offs to loans | 0.1299% | 1,161 |
| Credit loss provision to net charge-offs | 96.6725% | 2,054 |
| Earnings coverage of net charge-offs (x) | 7.7951% | 2,463 |
| Efficiency ratio | 82.9392% | 737 |
| Assets per employee ($millions) | 3.9801% | 3,890 |
| Cash dividends to net income (ytd only)* | 104.6859% | 365 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3791% | 5,123 |
| Loan loss allowance to noncurrent loans | 196.7223% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 4,032 |
| Noncurrent loans to loans | 0.1927% | 3,864 |
| Net loans and leases to total assets | 75.4131% | 1,644 |
| Net loans and leases to deposits | 91.7918% | 1,513 |
| Net loans and leases to core deposits | 108.5830% | 1,056 |
| Total domestic deposits to total assets | 82.1567% | 3,469 |
| Equity capital to assets | 10.8733% | 3,202 |
| Core capital (leverage) ratio | 8.5456% | 4,948 |
| Tier 1 risk-based capital ratio | 10.6217% | 5,064 |
| Total risk-based capital ratio | 10.9893% | 5,230 |
| Memoranda: |
| Average total assets | $1,135,102,330 | 693 |
| Average earning assets | $1,021,219,000 | 712 |
| Average equity | $123,867,670 | 726 |
| Average total loans | $878,984,000 | 659 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7358% | 2,094 |
| Cost of funding earning assets | 1.3555% | 543 |
| Net interest margin | 3.3803% | 3,936 |
| Noninterest income to average assets | 1.5333% | 367 |
| Noninterest expense to average assets | 4.0045% | 536 |
| Loan and lease loss provision to assets | 0.1135% | 1,562 |
| Net operating income to assets | 0.3516% | 4,827 |
| Return on assets (ROA) | 0.3516% | 4,833 |
| Pretax return on assets | 0.4541% | 4,769 |
| Return on Equity (ROE) | 3.2158% | 4,737 |
| Retained earnings to average equity (ytd only) | -0.3537% | 4,578 |
| Net charge-offs to loans | 0.1581% | 850 |
| Credit loss provision to net charge-offs | 91.6905% | 1,703 |
| Earnings coverage of net charge-offs (x) | 4.5845% | 2,317 |
| Efficiency ratio | 86.1577% | 572 |
| Assets per employee ($millions) | 4.0066% | 3,910 |
| Cash dividends to net income (ytd only)* | 110.9990% | 520 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3755% | 5,195 |
| Loan loss allowance to noncurrent loans | 184.1634% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 3,853 |
| Noncurrent loans to loans | 0.2039% | 3,858 |
| Net loans and leases to total assets | 75.9239% | 1,497 |
| Net loans and leases to deposits | 92.3255% | 1,369 |
| Net loans and leases to core deposits | 112.0825% | 823 |
| Total domestic deposits to total assets | 82.2351% | 3,668 |
| Equity capital to assets | 10.7787% | 3,066 |
| Core capital (leverage) ratio | 8.6718% | 4,895 |
| Tier 1 risk-based capital ratio | 10.3215% | 5,219 |
| Total risk-based capital ratio | 10.6783% | 5,324 |
| Memoranda: |
| Average total assets | $1,127,529,500 | 702 |
| Average earning assets | $1,013,638,000 | 717 |
| Average equity | $123,266,500 | 733 |
| Average total loans | $883,106,500 | 657 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7731% | 1,605 |
| Cost of funding earning assets | 1.0340% | 655 |
| Net interest margin | 3.7391% | 2,903 |
| Noninterest income to average assets | 1.7913% | 315 |
| Noninterest expense to average assets | 3.9438% | 579 |
| Loan and lease loss provision to assets | 0.0899% | 2,344 |
| Net operating income to assets | 0.8673% | 3,548 |
| Return on assets (ROA) | 0.8659% | 3,548 |
| Pretax return on assets | 1.1163% | 3,215 |
| Return on Equity (ROE) | 7.8198% | 3,515 |
| Retained earnings to average equity (ytd only) | 4.0295% | 3,346 |
| Net charge-offs to loans | 0.0216% | 2,991 |
| Credit loss provision to net charge-offs | 515.5080% | 675 |
| Earnings coverage of net charge-offs (x) | 69.2674% | 941 |
| Efficiency ratio | 75.3005% | 1,454 |
| Assets per employee ($millions) | 3.9470% | 3,967 |
| Cash dividends to net income (ytd only)* | 48.4705% | 2,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3731% | 5,237 |
| Loan loss allowance to noncurrent loans | 120.0723% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 3,362 |
| Noncurrent loans to loans | 0.3107% | 3,440 |
| Net loans and leases to total assets | 80.2195% | 906 |
| Net loans and leases to deposits | 101.0071% | 672 |
| Net loans and leases to core deposits | 125.2046% | 413 |
| Total domestic deposits to total assets | 79.4197% | 4,231 |
| Equity capital to assets | 11.0924% | 2,600 |
| Core capital (leverage) ratio | 9.1155% | 4,543 |
| Tier 1 risk-based capital ratio | 10.3466% | 5,231 |
| Total risk-based capital ratio | 10.7002% | 5,351 |
| Memoranda: |
| Average total assets | $1,072,240,200 | 714 |
| Average earning assets | $963,670,000 | 731 |
| Average equity | $118,724,000 | 727 |
| Average total loans | $863,896,000 | 647 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7037% | 1,665 |
| Cost of funding earning assets | 0.9502% | 750 |
| Net interest margin | 3.7534% | 2,814 |
| Noninterest income to average assets | 1.8498% | 310 |
| Noninterest expense to average assets | 3.9298% | 571 |
| Loan and lease loss provision to assets | 0.0840% | 2,286 |
| Net operating income to assets | 0.9427% | 3,337 |
| Return on assets (ROA) | 0.9409% | 3,349 |
| Pretax return on assets | 1.2075% | 2,959 |
| Return on Equity (ROE) | 8.5020% | 3,330 |
| Retained earnings to average equity (ytd only) | 4.6524% | 3,420 |
| Net charge-offs to loans | 0.0257% | 2,606 |
| Credit loss provision to net charge-offs | 406.0606% | 815 |
| Earnings coverage of net charge-offs (x) | 62.5710% | 1,031 |
| Efficiency ratio | 73.9906% | 1,595 |
| Assets per employee ($millions) | 4.0309% | 3,834 |
| Cash dividends to net income (ytd only)* | 45.2790% | 1,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3439% | 5,332 |
| Loan loss allowance to noncurrent loans | 124.8669% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 3,537 |
| Noncurrent loans to loans | 0.2754% | 3,697 |
| Net loans and leases to total assets | 80.5666% | 932 |
| Net loans and leases to deposits | 101.5931% | 673 |
| Net loans and leases to core deposits | 126.0624% | 408 |
| Total domestic deposits to total assets | 79.3032% | 4,254 |
| Equity capital to assets | 11.0113% | 2,657 |
| Core capital (leverage) ratio | 9.1686% | 4,544 |
| Tier 1 risk-based capital ratio | 10.2919% | 5,297 |
| Total risk-based capital ratio | 10.6177% | 5,436 |
| Memoranda: |
| Average total assets | $1,064,011,750 | 720 |
| Average earning assets | $956,363,000 | 734 |
| Average equity | $117,758,000 | 725 |
| Average total loans | $857,402,750 | 647 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4843% | 2,143 |
| Cost of funding earning assets | 0.8804% | 791 |
| Net interest margin | 3.6039% | 3,294 |
| Noninterest income to average assets | 1.7812% | 326 |
| Noninterest expense to average assets | 3.8742% | 627 |
| Loan and lease loss provision to assets | 0.0815% | 2,279 |
| Net operating income to assets | 0.7826% | 3,917 |
| Return on assets (ROA) | 0.7826% | 3,916 |
| Pretax return on assets | 1.0609% | 3,470 |
| Return on Equity (ROE) | 7.0585% | 3,883 |
| Retained earnings to average equity (ytd only) | 3.1190% | 4,002 |
| Net charge-offs to loans | 0.0262% | 2,331 |
| Credit loss provision to net charge-offs | 386.4865% | 848 |
| Earnings coverage of net charge-offs (x) | 54.1982% | 1,070 |
| Efficiency ratio | 75.9217% | 1,434 |
| Assets per employee ($millions) | 3.9962% | 3,906 |
| Cash dividends to net income (ytd only)* | 55.8117% | 1,472 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3320% | 5,405 |
| Loan loss allowance to noncurrent loans | 133.3800% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 3,688 |
| Noncurrent loans to loans | 0.2489% | 3,807 |
| Net loans and leases to total assets | 79.8965% | 1,039 |
| Net loans and leases to deposits | 100.5839% | 769 |
| Net loans and leases to core deposits | 124.4441% | 445 |
| Total domestic deposits to total assets | 79.4326% | 4,362 |
| Equity capital to assets | 10.8938% | 2,737 |
| Core capital (leverage) ratio | 8.9155% | 4,759 |
| Tier 1 risk-based capital ratio | 10.0632% | 5,416 |
| Total risk-based capital ratio | 10.3768% | 5,506 |
| Memoranda: |
| Average total assets | $1,053,211,670 | 725 |
| Average earning assets | $945,531,330 | 744 |
| Average equity | $116,767,670 | 729 |
| Average total loans | $847,740,330 | 649 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4887% | 1,903 |
| Cost of funding earning assets | 0.8165% | 893 |
| Net interest margin | 3.6721% | 2,910 |
| Noninterest income to average assets | 1.5699% | 397 |
| Noninterest expense to average assets | 3.7854% | 689 |
| Loan and lease loss provision to assets | 0.0963% | 1,906 |
| Net operating income to assets | 0.7184% | 4,037 |
| Return on assets (ROA) | 0.7184% | 4,048 |
| Pretax return on assets | 0.9813% | 3,597 |
| Return on Equity (ROE) | 6.4220% | 4,016 |
| Retained earnings to average equity (ytd only) | 2.6484% | 4,117 |
| Net charge-offs to loans | 0.0338% | 1,834 |
| Credit loss provision to net charge-offs | 353.5211% | 734 |
| Earnings coverage of net charge-offs (x) | 39.5493% | 1,072 |
| Efficiency ratio | 76.4757% | 1,528 |
| Assets per employee ($millions) | 3.9732% | 4,024 |
| Cash dividends to net income (ytd only)* | 58.7607% | 1,277 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3232% | 5,476 |
| Loan loss allowance to noncurrent loans | 184.1109% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 4,016 |
| Noncurrent loans to loans | 0.1755% | 4,192 |
| Net loans and leases to total assets | 80.0676% | 924 |
| Net loans and leases to deposits | 100.0119% | 705 |
| Net loans and leases to core deposits | 126.0468% | 421 |
| Total domestic deposits to total assets | 80.0581% | 4,406 |
| Equity capital to assets | 11.0900% | 2,496 |
| Core capital (leverage) ratio | 8.9990% | 4,679 |
| Tier 1 risk-based capital ratio | 10.1071% | 5,472 |
| Total risk-based capital ratio | 10.4109% | 5,571 |
| Memoranda: |
| Average total assets | $1,042,330,000 | 740 |
| Average earning assets | $934,711,500 | 751 |
| Average equity | $116,598,500 | 735 |
| Average total loans | $840,746,500 | 650 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4567% | 1,857 |
| Cost of funding earning assets | 0.6983% | 1,029 |
| Net interest margin | 3.7585% | 2,567 |
| Noninterest income to average assets | 2.0633% | 286 |
| Noninterest expense to average assets | 4.0649% | 489 |
| Loan and lease loss provision to assets | 0.1216% | 1,881 |
| Net operating income to assets | 0.8768% | 2,829 |
| Return on assets (ROA) | 0.8785% | 2,845 |
| Pretax return on assets | 1.2306% | 2,634 |
| Return on Equity (ROE) | 7.7404% | 2,928 |
| Retained earnings to average equity (ytd only) | 3.3035% | 3,322 |
| Net charge-offs to loans | 0.0213% | 3,391 |
| Credit loss provision to net charge-offs | 700.5747% | 466 |
| Earnings coverage of net charge-offs (x) | 77.7931% | 785 |
| Efficiency ratio | 73.7698% | 1,928 |
| Assets per employee ($millions) | 3.8647% | 4,171 |
| Cash dividends to net income (ytd only)* | 57.3212% | 1,893 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3031% | 5,550 |
| Loan loss allowance to noncurrent loans | 134.8356% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 3,706 |
| Noncurrent loans to loans | 0.2248% | 4,004 |
| Net loans and leases to total assets | 80.7521% | 868 |
| Net loans and leases to deposits | 101.3748% | 630 |
| Net loans and leases to core deposits | 127.7138% | 397 |
| Total domestic deposits to total assets | 79.6569% | 4,403 |
| Equity capital to assets | 11.2839% | 2,377 |
| Core capital (leverage) ratio | 9.1764% | 4,426 |
| Tier 1 risk-based capital ratio | 10.3752% | 5,415 |
| Total risk-based capital ratio | 10.6669% | 5,593 |
| Memoranda: |
| Average total assets | $1,002,831,000 | 735 |
| Average earning assets | $894,220,600 | 757 |
| Average equity | $113,818,400 | 720 |
| Average total loans | $815,607,600 | 647 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4626% | 1,751 |
| Cost of funding earning assets | 0.6860% | 1,034 |
| Net interest margin | 3.7766% | 2,481 |
| Noninterest income to average assets | 2.1571% | 281 |
| Noninterest expense to average assets | 4.1365% | 436 |
| Loan and lease loss provision to assets | 0.1634% | 1,243 |
| Net operating income to assets | 0.7752% | 3,624 |
| Return on assets (ROA) | 0.7772% | 3,662 |
| Pretax return on assets | 1.2236% | 2,810 |
| Return on Equity (ROE) | 6.8378% | 3,757 |
| Retained earnings to average equity (ytd only) | 0.8821% | 5,011 |
| Net charge-offs to loans | 0.0097% | 3,384 |
| Credit loss provision to net charge-offs | 2,066.1017% | 199 |
| Earnings coverage of net charge-offs (x) | 174.9766% | 487 |
| Efficiency ratio | 73.6450% | 1,948 |
| Assets per employee ($millions) | 3.7977% | 4,310 |
| Cash dividends to net income (ytd only)* | 87.0991% | 491 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3196% | 5,612 |
| Loan loss allowance to noncurrent loans | 110.4738% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 3,519 |
| Noncurrent loans to loans | 0.2893% | 3,902 |
| Net loans and leases to total assets | 81.4454% | 774 |
| Net loans and leases to deposits | 101.0426% | 675 |
| Net loans and leases to core deposits | 127.7385% | 376 |
| Total domestic deposits to total assets | 80.6050% | 4,172 |
| Equity capital to assets | 11.1808% | 2,692 |
| Core capital (leverage) ratio | 9.0233% | 4,712 |
| Tier 1 risk-based capital ratio | 10.2204% | 5,539 |
| Total risk-based capital ratio | 10.5300% | 5,678 |
| Memoranda: |
| Average total assets | $994,602,750 | 745 |
| Average earning assets | $885,747,000 | 769 |
| Average equity | $113,055,000 | 729 |
| Average total loans | $809,777,500 | 650 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4528% | 1,658 |
| Cost of funding earning assets | 0.6675% | 1,052 |
| Net interest margin | 3.7853% | 2,343 |
| Noninterest income to average assets | 2.1255% | 292 |
| Noninterest expense to average assets | 4.1426% | 443 |
| Loan and lease loss provision to assets | 0.1378% | 1,500 |
| Net operating income to assets | 0.7696% | 3,550 |
| Return on assets (ROA) | 0.7727% | 3,582 |
| Pretax return on assets | 1.2182% | 2,707 |
| Return on Equity (ROE) | 6.7602% | 3,688 |
| Retained earnings to average equity (ytd only) | 1.0868% | 4,811 |
| Net charge-offs to loans | 0.0274% | 2,661 |
| Credit loss provision to net charge-offs | 618.1818% | 556 |
| Earnings coverage of net charge-offs (x) | 60.6091% | 945 |
| Efficiency ratio | 74.1036% | 1,995 |
| Assets per employee ($millions) | 3.6925% | 4,447 |
| Cash dividends to net income (ytd only)* | 83.9234% | 756 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2500% | 5,690 |
| Loan loss allowance to noncurrent loans | 98.7112% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 3,620 |
| Noncurrent loans to loans | 0.2533% | 4,131 |
| Net loans and leases to total assets | 82.7526% | 577 |
| Net loans and leases to deposits | 102.0751% | 608 |
| Net loans and leases to core deposits | 129.4820% | 316 |
| Total domestic deposits to total assets | 81.0703% | 4,165 |
| Equity capital to assets | 11.3843% | 2,427 |
| Core capital (leverage) ratio | 9.0730% | 4,641 |
| Tier 1 risk-based capital ratio | 10.3122% | 5,536 |
| Total risk-based capital ratio | 10.5562% | 5,714 |
| Memoranda: |
| Average total assets | $986,874,330 | 753 |
| Average earning assets | $878,138,670 | 781 |
| Average equity | $112,807,670 | 728 |
| Average total loans | $802,503,670 | 657 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4408% | 1,523 |
| Cost of funding earning assets | 0.6313% | 1,179 |
| Net interest margin | 3.8095% | 2,084 |
| Noninterest income to average assets | 1.7490% | 381 |
| Noninterest expense to average assets | 4.1417% | 459 |
| Loan and lease loss provision to assets | 0.0843% | 2,129 |
| Net operating income to assets | 0.5964% | 4,179 |
| Return on assets (ROA) | 0.5964% | 4,226 |
| Pretax return on assets | 0.9106% | 3,727 |
| Return on Equity (ROE) | 5.2071% | 4,299 |
| Retained earnings to average equity (ytd only) | 1.6503% | 4,445 |
| Net charge-offs to loans | -0.0081% | 4,343 |
| Credit loss provision to net charge-offs | -1,293.7500% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2275% | 1,459 |
| Assets per employee ($millions) | 3.7024% | 4,502 |
| Cash dividends to net income (ytd only)* | 68.3060% | 1,204 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2180% | 5,770 |
| Loan loss allowance to noncurrent loans | 75.0327% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 3,156 |
| Noncurrent loans to loans | 0.2905% | 4,073 |
| Net loans and leases to total assets | 80.0314% | 825 |
| Net loans and leases to deposits | 100.8040% | 563 |
| Net loans and leases to core deposits | 124.1822% | 358 |
| Total domestic deposits to total assets | 79.3932% | 4,741 |
| Equity capital to assets | 11.4487% | 2,215 |
| Core capital (leverage) ratio | 9.3021% | 4,342 |
| Tier 1 risk-based capital ratio | 10.6336% | 5,493 |
| Total risk-based capital ratio | 10.8438% | 5,748 |
| Memoranda: |
| Average total assets | $981,818,500 | 765 |
| Average earning assets | $873,084,000 | 791 |
| Average equity | $112,461,500 | 733 |
| Average total loans | $790,205,500 | 665 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5662% | 1,368 |
| Cost of funding earning assets | 0.5387% | 1,800 |
| Net interest margin | 4.0274% | 1,565 |
| Noninterest income to average assets | 2.4411% | 256 |
| Noninterest expense to average assets | 4.6993% | 315 |
| Loan and lease loss provision to assets | 0.1930% | 1,209 |
| Net operating income to assets | 0.6552% | 3,975 |
| Return on assets (ROA) | 0.6536% | 4,100 |
| Pretax return on assets | 1.0551% | 3,279 |
| Return on Equity (ROE) | 5.4274% | 4,225 |
| Retained earnings to average equity (ytd only) | 2.2590% | 4,246 |
| Net charge-offs to loans | 0.0622% | 2,817 |
| Credit loss provision to net charge-offs | 392.1397% | 805 |
| Earnings coverage of net charge-offs (x) | 25.4083% | 1,589 |
| Efficiency ratio | 77.4833% | 1,774 |
| Assets per employee ($millions) | 3.7938% | 4,319 |
| Cash dividends to net income (ytd only)* | 58.3786% | 1,859 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1895% | 5,833 |
| Loan loss allowance to noncurrent loans | 76.0020% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 3,276 |
| Noncurrent loans to loans | 0.2493% | 4,263 |
| Net loans and leases to total assets | 80.6101% | 793 |
| Net loans and leases to deposits | 104.9318% | 388 |
| Net loans and leases to core deposits | 146.7353% | 135 |
| Total domestic deposits to total assets | 76.8214% | 5,144 |
| Equity capital to assets | 11.4602% | 2,202 |
| Core capital (leverage) ratio | 9.3914% | 4,230 |
| Tier 1 risk-based capital ratio | 10.7917% | 5,436 |
| Total risk-based capital ratio | 10.9772% | 5,771 |
| Memoranda: |
| Average total assets | $930,400,600 | 775 |
| Average earning assets | $810,613,000 | 821 |
| Average equity | $112,042,200 | 713 |
| Average total loans | $736,056,800 | 679 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5990% | 1,293 |
| Cost of funding earning assets | 0.6309% | 1,137 |
| Net interest margin | 3.9681% | 1,759 |
| Noninterest income to average assets | 2.4954% | 258 |
| Noninterest expense to average assets | 4.6537% | 335 |
| Loan and lease loss provision to assets | 0.1906% | 1,140 |
| Net operating income to assets | 0.6527% | 4,076 |
| Return on assets (ROA) | 0.6505% | 4,203 |
| Pretax return on assets | 1.0850% | 3,297 |
| Return on Equity (ROE) | 5.3327% | 4,374 |
| Retained earnings to average equity (ytd only) | 2.1783% | 4,603 |
| Net charge-offs to loans | 0.0637% | 2,443 |
| Credit loss provision to net charge-offs | 380.5797% | 875 |
| Earnings coverage of net charge-offs (x) | 25.5361% | 1,631 |
| Efficiency ratio | 78.4396% | 1,627 |
| Assets per employee ($millions) | 3.6854% | 4,503 |
| Cash dividends to net income (ytd only)* | 59.1519% | 1,457 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1489% | 5,906 |
| Loan loss allowance to noncurrent loans | 29.3444% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 3,186 |
| Noncurrent loans to loans | 0.5074% | 3,476 |
| Net loans and leases to total assets | 79.8702% | 909 |
| Net loans and leases to deposits | 101.4965% | 609 |
| Net loans and leases to core deposits | 143.7216% | 165 |
| Total domestic deposits to total assets | 78.6926% | 4,790 |
| Equity capital to assets | 11.9711% | 2,139 |
| Core capital (leverage) ratio | 9.4978% | 4,187 |
| Tier 1 risk-based capital ratio | 11.0411% | 5,353 |
| Total risk-based capital ratio | 11.1891% | 5,767 |
| Memoranda: |
| Average total assets | $918,298,500 | 784 |
| Average earning assets | $795,493,750 | 839 |
| Average equity | $112,009,500 | 718 |
| Average total loans | $722,441,750 | 689 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5784% | 1,311 |
| Cost of funding earning assets | 0.6165% | 1,211 |
| Net interest margin | 3.9618% | 1,766 |
| Noninterest income to average assets | 2.3995% | 268 |
| Noninterest expense to average assets | 4.6846% | 330 |
| Loan and lease loss provision to assets | 0.1497% | 1,536 |
| Net operating income to assets | 0.6012% | 4,263 |
| Return on assets (ROA) | 0.5978% | 4,402 |
| Pretax return on assets | 0.9643% | 3,728 |
| Return on Equity (ROE) | 4.8695% | 4,568 |
| Retained earnings to average equity (ytd only) | 2.0905% | 4,525 |
| Net charge-offs to loans | 0.0450% | 2,571 |
| Credit loss provision to net charge-offs | 425.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 31.7813% | 1,354 |
| Efficiency ratio | 80.7160% | 1,413 |
| Assets per employee ($millions) | 3.7800% | 4,307 |
| Cash dividends to net income (ytd only)* | 57.0692% | 1,654 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0922% | 5,995 |
| Loan loss allowance to noncurrent loans | 24.6824% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 3,162 |
| Noncurrent loans to loans | 0.3734% | 4,025 |
| Net loans and leases to total assets | 79.2709% | 1,023 |
| Net loans and leases to deposits | 105.0666% | 404 |
| Net loans and leases to core deposits | 146.8297% | 139 |
| Total domestic deposits to total assets | 75.4483% | 5,359 |
| Equity capital to assets | 12.1260% | 2,035 |
| Core capital (leverage) ratio | 9.7805% | 3,833 |
| Tier 1 risk-based capital ratio | 11.2860% | 5,282 |
| Total risk-based capital ratio | 11.3803% | 5,751 |
| Memoranda: |
| Average total assets | $908,684,670 | 796 |
| Average earning assets | $780,801,330 | 857 |
| Average equity | $111,551,670 | 722 |
| Average total loans | $710,718,670 | 701 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6775% | 1,098 |
| Cost of funding earning assets | 0.6295% | 1,153 |
| Net interest margin | 4.0480% | 1,484 |
| Noninterest income to average assets | 2.1437% | 312 |
| Noninterest expense to average assets | 4.7465% | 332 |
| Loan and lease loss provision to assets | 0.1804% | 1,120 |
| Net operating income to assets | 0.4081% | 4,970 |
| Return on assets (ROA) | 0.4013% | 5,071 |
| Pretax return on assets | 0.6400% | 4,704 |
| Return on Equity (ROE) | 3.2483% | 5,143 |
| Retained earnings to average equity (ytd only) | -1.4385% | 5,329 |
| Net charge-offs to loans | 0.0648% | 1,847 |
| Credit loss provision to net charge-offs | 358.4071% | 761 |
| Earnings coverage of net charge-offs (x) | 16.5133% | 1,616 |
| Efficiency ratio | 85.0994% | 1,052 |
| Assets per employee ($millions) | 3.6557% | 4,549 |
| Cash dividends to net income (ytd only)* | 144.2841% | 410 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0646% | 6,065 |
| Loan loss allowance to noncurrent loans | 15.9379% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 3,039 |
| Noncurrent loans to loans | 0.4055% | 3,984 |
| Net loans and leases to total assets | 78.6757% | 998 |
| Net loans and leases to deposits | 99.4853% | 661 |
| Net loans and leases to core deposits | 134.1839% | 224 |
| Total domestic deposits to total assets | 79.0828% | 4,949 |
| Equity capital to assets | 12.4711% | 1,701 |
| Core capital (leverage) ratio | 9.7146% | 3,892 |
| Tier 1 risk-based capital ratio | 11.6053% | 5,167 |
| Total risk-based capital ratio | 11.6715% | 5,705 |
| Memoranda: |
| Average total assets | $898,088,500 | 808 |
| Average earning assets | $761,853,500 | 881 |
| Average equity | $110,949,000 | 724 |
| Average total loans | $697,177,000 | 720 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3600% | 2,024 |
| Cost of funding earning assets | 0.6696% | 960 |
| Net interest margin | 3.6904% | 2,786 |
| Noninterest income to average assets | 2.3556% | 285 |
| Noninterest expense to average assets | 4.7587% | 339 |
| Loan and lease loss provision to assets | 0.0857% | 2,576 |
| Net operating income to assets | 0.5629% | 4,452 |
| Return on assets (ROA) | 0.5536% | 4,576 |
| Pretax return on assets | 0.8331% | 4,098 |
| Return on Equity (ROE) | 5.9708% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.3537% | 3,661 |
| Net charge-offs to loans | 0.1475% | 1,890 |
| Credit loss provision to net charge-offs | 71.6216% | 3,095 |
| Earnings coverage of net charge-offs (x) | 7.5724% | 3,061 |
| Efficiency ratio | 83.9980% | 1,181 |
| Assets per employee ($millions) | 3.7211% | 4,439 |
| Cash dividends to net income (ytd only)* | 43.8322% | 2,652 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0230% | 6,120 |
| Loan loss allowance to noncurrent loans | 4.9125% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8549% | 2,531 |
| Noncurrent loans to loans | 0.4675% | 3,792 |
| Net loans and leases to total assets | 76.7199% | 1,299 |
| Net loans and leases to deposits | 95.2236% | 1,095 |
| Net loans and leases to core deposits | 124.9271% | 355 |
| Total domestic deposits to total assets | 80.5681% | 4,594 |
| Equity capital to assets | 12.0649% | 1,909 |
| Core capital (leverage) ratio | 10.0048% | 3,499 |
| Tier 1 risk-based capital ratio | 11.7264% | 5,115 |
| Total risk-based capital ratio | 11.7499% | 5,696 |
| Memoranda: |
| Average total assets | $865,358,800 | 793 |
| Average earning assets | $776,102,400 | 815 |
| Average equity | $80,240,800 | 951 |
| Average total loans | $702,218,000 | 660 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3062% | 2,207 |
| Cost of funding earning assets | 0.6552% | 1,062 |
| Net interest margin | 3.6510% | 2,957 |
| Noninterest income to average assets | 2.4794% | 268 |
| Noninterest expense to average assets | 4.6815% | 370 |
| Loan and lease loss provision to assets | 0.0883% | 2,392 |
| Net operating income to assets | 0.7258% | 3,783 |
| Return on assets (ROA) | 0.6652% | 4,166 |
| Pretax return on assets | 0.9890% | 3,653 |
| Return on Equity (ROE) | 7.7970% | 3,193 |
| Retained earnings to average equity (ytd only) | 3.9570% | 3,652 |
| Net charge-offs to loans | 0.1692% | 1,468 |
| Credit loss provision to net charge-offs | 63.3819% | 2,870 |
| Earnings coverage of net charge-offs (x) | 8.1478% | 2,840 |
| Efficiency ratio | 80.4865% | 1,584 |
| Assets per employee ($millions) | 3.5287% | 4,747 |
| Cash dividends to net income (ytd only)* | 49.2495% | 1,906 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6687% | 5,792 |
| Loan loss allowance to noncurrent loans | 123.8058% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.1656% | 2,037 |
| Noncurrent loans to loans | 0.5401% | 3,724 |
| Net loans and leases to total assets | 81.8275% | 593 |
| Net loans and leases to deposits | 102.0574% | 542 |
| Net loans and leases to core deposits | 140.3704% | 163 |
| Total domestic deposits to total assets | 80.1779% | 4,702 |
| Equity capital to assets | 8.6321% | 5,620 |
| Core capital (leverage) ratio | 9.3374% | 4,534 |
| Tier 1 risk-based capital ratio | 10.7513% | 5,779 |
| Total risk-based capital ratio | 11.3976% | 5,941 |
| Memoranda: |
| Average total assets | $854,712,000 | 810 |
| Average earning assets | $781,242,750 | 819 |
| Average equity | $72,915,250 | 1,053 |
| Average total loans | $703,588,750 | 661 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2596% | 2,326 |
| Cost of funding earning assets | 0.6507% | 1,097 |
| Net interest margin | 3.6089% | 3,048 |
| Noninterest income to average assets | 2.4811% | 275 |
| Noninterest expense to average assets | 4.6926% | 364 |
| Loan and lease loss provision to assets | 0.0155% | 3,813 |
| Net operating income to assets | 0.7458% | 3,658 |
| Return on assets (ROA) | 0.6875% | 4,061 |
| Pretax return on assets | 1.0185% | 3,508 |
| Return on Equity (ROE) | 8.0915% | 2,997 |
| Retained earnings to average equity (ytd only) | 4.2266% | 3,343 |
| Net charge-offs to loans | 0.0459% | 2,778 |
| Credit loss provision to net charge-offs | 40.9938% | 2,798 |
| Earnings coverage of net charge-offs (x) | 28.8075% | 1,396 |
| Efficiency ratio | 81.1792% | 1,598 |
| Assets per employee ($millions) | 3.4575% | 4,874 |
| Cash dividends to net income (ytd only)* | 47.7653% | 2,033 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6973% | 5,823 |
| Loan loss allowance to noncurrent loans | 62.0015% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3796% | 1,816 |
| Noncurrent loans to loans | 1.1247% | 2,399 |
| Net loans and leases to total assets | 82.2916% | 526 |
| Net loans and leases to deposits | 102.1756% | 542 |
| Net loans and leases to core deposits | 144.9743% | 136 |
| Total domestic deposits to total assets | 80.5393% | 4,736 |
| Equity capital to assets | 8.4902% | 5,692 |
| Core capital (leverage) ratio | 9.2435% | 4,630 |
| Tier 1 risk-based capital ratio | 10.7725% | 5,818 |
| Total risk-based capital ratio | 11.4557% | 5,967 |
| Memoranda: |
| Average total assets | $852,616,670 | 818 |
| Average earning assets | $779,516,670 | 822 |
| Average equity | $72,446,330 | 1,063 |
| Average total loans | $701,693,000 | 665 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2189% | 2,384 |
| Cost of funding earning assets | 0.6448% | 1,156 |
| Net interest margin | 3.5741% | 3,106 |
| Noninterest income to average assets | 2.1540% | 329 |
| Noninterest expense to average assets | 4.4428% | 446 |
| Loan and lease loss provision to assets | 0.0311% | 3,271 |
| Net operating income to assets | 0.6681% | 3,963 |
| Return on assets (ROA) | 0.5954% | 4,407 |
| Pretax return on assets | 0.8755% | 3,982 |
| Return on Equity (ROE) | 7.0047% | 3,505 |
| Retained earnings to average equity (ytd only) | 2.8451% | 4,262 |
| Net charge-offs to loans | 0.0316% | 2,554 |
| Credit loss provision to net charge-offs | 120.0000% | 1,441 |
| Earnings coverage of net charge-offs (x) | 37.8000% | 1,009 |
| Efficiency ratio | 81.9265% | 1,631 |
| Assets per employee ($millions) | 3.6161% | 4,692 |
| Cash dividends to net income (ytd only)* | 59.3824% | 1,447 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7292% | 5,849 |
| Loan loss allowance to noncurrent loans | 63.6876% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4317% | 1,847 |
| Noncurrent loans to loans | 1.1450% | 2,480 |
| Net loans and leases to total assets | 80.7093% | 608 |
| Net loans and leases to deposits | 97.0779% | 761 |
| Net loans and leases to core deposits | 144.4973% | 126 |
| Total domestic deposits to total assets | 83.1387% | 4,141 |
| Equity capital to assets | 8.4671% | 5,764 |
| Core capital (leverage) ratio | 9.2576% | 4,637 |
| Tier 1 risk-based capital ratio | 10.8259% | 5,891 |
| Total risk-based capital ratio | 11.5385% | 6,032 |
| Memoranda: |
| Average total assets | $848,472,000 | 824 |
| Average earning assets | $776,024,500 | 828 |
| Average equity | $72,123,000 | 1,067 |
| Average total loans | $695,825,500 | 667 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4051% | 2,204 |
| Cost of funding earning assets | 0.6334% | 1,524 |
| Net interest margin | 3.7717% | 2,724 |
| Noninterest income to average assets | 1.4084% | 612 |
| Noninterest expense to average assets | 3.8375% | 933 |
| Loan and lease loss provision to assets | 0.0373% | 3,832 |
| Net operating income to assets | 0.6988% | 3,897 |
| Return on assets (ROA) | 0.6298% | 4,345 |
| Pretax return on assets | 0.9190% | 3,832 |
| Return on Equity (ROE) | 7.6194% | 3,314 |
| Retained earnings to average equity (ytd only) | 5.1615% | 2,491 |
| Net charge-offs to loans | 0.0788% | 3,364 |
| Credit loss provision to net charge-offs | 57.6710% | 3,331 |
| Earnings coverage of net charge-offs (x) | 15.8614% | 2,056 |
| Efficiency ratio | 78.9118% | 2,074 |
| Assets per employee ($millions) | 3.5590% | 4,798 |
| Cash dividends to net income (ytd only)* | 32.2581% | 3,267 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7296% | 5,926 |
| Loan loss allowance to noncurrent loans | 64.5695% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 1,798 |
| Noncurrent loans to loans | 1.1300% | 2,577 |
| Net loans and leases to total assets | 82.1271% | 509 |
| Net loans and leases to deposits | 99.1492% | 672 |
| Net loans and leases to core deposits | 146.7987% | 122 |
| Total domestic deposits to total assets | 82.8318% | 4,135 |
| Equity capital to assets | 8.5343% | 5,715 |
| Core capital (leverage) ratio | 9.3842% | 4,407 |
| Tier 1 risk-based capital ratio | 11.6539% | 5,574 |
| Total risk-based capital ratio | 12.4099% | 5,776 |
| Memoranda: |
| Average total assets | $836,748,400 | 806 |
| Average earning assets | $766,391,800 | 796 |
| Average equity | $69,165,600 | 1,065 |
| Average total loans | $686,222,400 | 629 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3783% | 2,298 |
| Cost of funding earning assets | 0.6287% | 1,608 |
| Net interest margin | 3.7496% | 2,815 |
| Noninterest income to average assets | 1.4490% | 600 |
| Noninterest expense to average assets | 3.8805% | 871 |
| Loan and lease loss provision to assets | 0.0498% | 3,385 |
| Net operating income to assets | 0.6809% | 4,037 |
| Return on assets (ROA) | 0.6113% | 4,483 |
| Pretax return on assets | 0.8809% | 4,072 |
| Return on Equity (ROE) | 7.4567% | 3,464 |
| Retained earnings to average equity (ytd only) | 4.6359% | 3,335 |
| Net charge-offs to loans | 0.0427% | 3,648 |
| Credit loss provision to net charge-offs | 142.4658% | 1,655 |
| Earnings coverage of net charge-offs (x) | 28.6441% | 1,414 |
| Efficiency ratio | 79.5020% | 1,988 |
| Assets per employee ($millions) | 3.5239% | 4,819 |
| Cash dividends to net income (ytd only)* | 37.8295% | 2,441 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7780% | 5,926 |
| Loan loss allowance to noncurrent loans | 67.6367% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 2,056 |
| Noncurrent loans to loans | 1.1503% | 2,756 |
| Net loans and leases to total assets | 81.9937% | 510 |
| Net loans and leases to deposits | 100.2058% | 601 |
| Net loans and leases to core deposits | 147.6632% | 112 |
| Total domestic deposits to total assets | 81.8253% | 4,540 |
| Equity capital to assets | 8.3492% | 5,906 |
| Core capital (leverage) ratio | 9.3043% | 4,633 |
| Tier 1 risk-based capital ratio | 11.5965% | 5,743 |
| Total risk-based capital ratio | 12.4073% | 5,884 |
| Memoranda: |
| Average total assets | $835,953,000 | 812 |
| Average earning assets | $765,152,750 | 800 |
| Average equity | $68,536,500 | 1,074 |
| Average total loans | $684,058,000 | 631 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4209% | 2,105 |
| Cost of funding earning assets | 0.6225% | 1,713 |
| Net interest margin | 3.7984% | 2,581 |
| Noninterest income to average assets | 1.3935% | 622 |
| Noninterest expense to average assets | 3.8836% | 869 |
| Loan and lease loss provision to assets | 0.0410% | 3,496 |
| Net operating income to assets | 0.6709% | 3,987 |
| Return on assets (ROA) | 0.6012% | 4,447 |
| Pretax return on assets | 0.8716% | 3,990 |
| Return on Equity (ROE) | 7.3779% | 3,432 |
| Retained earnings to average equity (ytd only) | 5.3203% | 2,747 |
| Net charge-offs to loans | 0.0291% | 3,611 |
| Credit loss provision to net charge-offs | 172.7273% | 1,321 |
| Earnings coverage of net charge-offs (x) | 41.4242% | 1,030 |
| Efficiency ratio | 79.8139% | 2,048 |
| Assets per employee ($millions) | 3.5555% | 4,747 |
| Cash dividends to net income (ytd only)* | 27.8884% | 2,872 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7641% | 6,063 |
| Loan loss allowance to noncurrent loans | 44.8893% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 2.0480% | 1,549 |
| Noncurrent loans to loans | 1.7021% | 2,036 |
| Net loans and leases to total assets | 81.7479% | 487 |
| Net loans and leases to deposits | 101.8017% | 461 |
| Net loans and leases to core deposits | 155.1409% | 85 |
| Total domestic deposits to total assets | 80.3011% | 5,178 |
| Equity capital to assets | 8.1464% | 6,066 |
| Core capital (leverage) ratio | 9.2783% | 4,625 |
| Tier 1 risk-based capital ratio | 11.4943% | 5,805 |
| Total risk-based capital ratio | 12.3012% | 5,969 |
| Memoranda: |
| Average total assets | $835,044,670 | 812 |
| Average earning assets | $763,375,670 | 804 |
| Average equity | $68,041,000 | 1,075 |
| Average total loans | $681,059,000 | 628 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3369% | 2,379 |
| Cost of funding earning assets | 0.6197% | 1,816 |
| Net interest margin | 3.7172% | 2,800 |
| Noninterest income to average assets | 1.2350% | 722 |
| Noninterest expense to average assets | 3.8450% | 925 |
| Loan and lease loss provision to assets | 0.0828% | 2,512 |
| Net operating income to assets | 0.4998% | 4,695 |
| Return on assets (ROA) | 0.4272% | 5,080 |
| Pretax return on assets | 0.6277% | 4,732 |
| Return on Equity (ROE) | 5.2419% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.2419% | 2,971 |
| Net charge-offs to loans | 0.0221% | 3,137 |
| Credit loss provision to net charge-offs | 462.1622% | 579 |
| Earnings coverage of net charge-offs (x) | 43.7027% | 831 |
| Efficiency ratio | 83.0787% | 1,786 |
| Assets per employee ($millions) | 3.4802% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7996% | 6,103 |
| Loan loss allowance to noncurrent loans | 42.6151% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 2.3640% | 1,373 |
| Noncurrent loans to loans | 1.8764% | 2,030 |
| Net loans and leases to total assets | 81.0319% | 458 |
| Net loans and leases to deposits | 99.7517% | 445 |
| Net loans and leases to core deposits | 148.2249% | 101 |
| Total domestic deposits to total assets | 81.2337% | 5,171 |
| Equity capital to assets | 8.1817% | 5,918 |
| Core capital (leverage) ratio | 9.4056% | 4,415 |
| Tier 1 risk-based capital ratio | 11.4807% | 5,923 |
| Total risk-based capital ratio | 12.3045% | 6,084 |
| Memoranda: |
| Average total assets | $825,901,500 | 828 |
| Average earning assets | $753,907,000 | 825 |
| Average equity | $67,303,500 | 1,088 |
| Average total loans | $670,113,000 | 640 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4080% | 2,558 |
| Cost of funding earning assets | 0.6861% | 1,912 |
| Net interest margin | 3.7219% | 2,971 |
| Noninterest income to average assets | 1.7258% | 496 |
| Noninterest expense to average assets | 4.0856% | 792 |
| Loan and lease loss provision to assets | 0.1008% | 3,120 |
| Net operating income to assets | 0.6414% | 4,066 |
| Return on assets (ROA) | 0.5674% | 4,531 |
| Pretax return on assets | 0.8469% | 3,978 |
| Return on Equity (ROE) | 6.9023% | 3,615 |
| Retained earnings to average equity (ytd only) | 3.6621% | 3,615 |
| Net charge-offs to loans | 0.4972% | 1,331 |
| Credit loss provision to net charge-offs | 25.0077% | 4,349 |
| Earnings coverage of net charge-offs (x) | 2.5370% | 4,165 |
| Efficiency ratio | 79.9748% | 2,152 |
| Assets per employee ($millions) | 3.3066% | 5,278 |
| Cash dividends to net income (ytd only)* | 46.9432% | 2,436 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8019% | 6,174 |
| Loan loss allowance to noncurrent loans | 42.0022% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 2.4506% | 1,415 |
| Noncurrent loans to loans | 1.9092% | 2,109 |
| Net loans and leases to total assets | 79.9352% | 602 |
| Net loans and leases to deposits | 97.9273% | 592 |
| Net loans and leases to core deposits | 136.1369% | 151 |
| Total domestic deposits to total assets | 81.6270% | 5,000 |
| Equity capital to assets | 8.1160% | 5,925 |
| Core capital (leverage) ratio | 9.4188% | 4,387 |
| Tier 1 risk-based capital ratio | 11.6050% | 5,853 |
| Total risk-based capital ratio | 12.4269% | 6,038 |
| Memoranda: |
| Average total assets | $807,223,800 | 822 |
| Average earning assets | $733,688,800 | 827 |
| Average equity | $66,354,800 | 1,083 |
| Average total loans | $654,709,000 | 644 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4321% | 2,489 |
| Cost of funding earning assets | 0.6979% | 1,967 |
| Net interest margin | 3.7342% | 2,906 |
| Noninterest income to average assets | 1.8344% | 469 |
| Noninterest expense to average assets | 4.1121% | 758 |
| Loan and lease loss provision to assets | 0.1287% | 2,678 |
| Net operating income to assets | 0.6749% | 3,984 |
| Return on assets (ROA) | 0.5993% | 4,474 |
| Pretax return on assets | 0.9073% | 3,848 |
| Return on Equity (ROE) | 7.2673% | 3,503 |
| Retained earnings to average equity (ytd only) | 4.3515% | 3,580 |
| Net charge-offs to loans | 0.4023% | 1,591 |
| Credit loss provision to net charge-offs | 39.3709% | 3,715 |
| Earnings coverage of net charge-offs (x) | 3.4064% | 3,712 |
| Efficiency ratio | 78.6932% | 2,310 |
| Assets per employee ($millions) | 3.2467% | 5,393 |
| Cash dividends to net income (ytd only)* | 40.1218% | 2,275 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0204% | 5,631 |
| Loan loss allowance to noncurrent loans | 42.9885% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 2.9457% | 1,258 |
| Noncurrent loans to loans | 2.3738% | 1,852 |
| Net loans and leases to total assets | 80.4681% | 499 |
| Net loans and leases to deposits | 98.1057% | 563 |
| Net loans and leases to core deposits | 131.1070% | 178 |
| Total domestic deposits to total assets | 82.0218% | 4,923 |
| Equity capital to assets | 8.4724% | 5,763 |
| Core capital (leverage) ratio | 9.3607% | 4,593 |
| Tier 1 risk-based capital ratio | 11.8275% | 5,887 |
| Total risk-based capital ratio | 12.8664% | 5,963 |
| Memoranda: |
| Average total assets | $804,019,250 | 832 |
| Average earning assets | $730,139,250 | 835 |
| Average equity | $66,304,750 | 1,096 |
| Average total loans | $653,186,000 | 644 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3918% | 2,596 |
| Cost of funding earning assets | 0.6974% | 2,079 |
| Net interest margin | 3.6944% | 2,977 |
| Noninterest income to average assets | 1.9366% | 468 |
| Noninterest expense to average assets | 4.0707% | 800 |
| Loan and lease loss provision to assets | 0.1001% | 3,123 |
| Net operating income to assets | 0.7646% | 3,496 |
| Return on assets (ROA) | 0.6927% | 4,012 |
| Pretax return on assets | 1.0514% | 3,290 |
| Return on Equity (ROE) | 8.4748% | 2,861 |
| Retained earnings to average equity (ytd only) | 4.0892% | 3,692 |
| Net charge-offs to loans | 0.2347% | 2,314 |
| Credit loss provision to net charge-offs | 52.5292% | 3,168 |
| Earnings coverage of net charge-offs (x) | 6.4189% | 2,720 |
| Efficiency ratio | 76.8911% | 2,645 |
| Assets per employee ($millions) | 3.3147% | 5,240 |
| Cash dividends to net income (ytd only)* | 51.7488% | 1,794 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1217% | 5,357 |
| Loan loss allowance to noncurrent loans | 43.1405% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.9236% | 1,395 |
| Noncurrent loans to loans | 2.6001% | 1,770 |
| Net loans and leases to total assets | 80.7001% | 468 |
| Net loans and leases to deposits | 97.9573% | 544 |
| Net loans and leases to core deposits | 133.6447% | 162 |
| Total domestic deposits to total assets | 82.3830% | 4,918 |
| Equity capital to assets | 8.1982% | 6,058 |
| Core capital (leverage) ratio | 9.2600% | 4,610 |
| Tier 1 risk-based capital ratio | 11.6520% | 6,031 |
| Total risk-based capital ratio | 12.8185% | 6,033 |
| Memoranda: |
| Average total assets | $809,045,670 | 827 |
| Average earning assets | $735,282,000 | 835 |
| Average equity | $66,125,670 | 1,098 |
| Average total loans | $657,118,000 | 638 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3876% | 2,566 |
| Cost of funding earning assets | 0.6948% | 2,264 |
| Net interest margin | 3.6928% | 2,883 |
| Noninterest income to average assets | 1.7646% | 517 |
| Noninterest expense to average assets | 3.9081% | 990 |
| Loan and lease loss provision to assets | 0.0493% | 3,799 |
| Net operating income to assets | 0.7893% | 3,225 |
| Return on assets (ROA) | 0.7153% | 3,757 |
| Pretax return on assets | 1.0892% | 2,999 |
| Return on Equity (ROE) | 8.7651% | 2,598 |
| Retained earnings to average equity (ytd only) | 4.2314% | 3,691 |
| Net charge-offs to loans | 0.3550% | 1,580 |
| Credit loss provision to net charge-offs | 17.1527% | 3,081 |
| Earnings coverage of net charge-offs (x) | 4.2161% | 2,596 |
| Efficiency ratio | 76.3198% | 2,874 |
| Assets per employee ($millions) | 3.3669% | 5,289 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,524 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1289% | 5,489 |
| Loan loss allowance to noncurrent loans | 47.1421% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 2.8611% | 1,576 |
| Noncurrent loans to loans | 2.3948% | 2,167 |
| Net loans and leases to total assets | 78.9933% | 514 |
| Net loans and leases to deposits | 95.1644% | 594 |
| Net loans and leases to core deposits | 131.2041% | 171 |
| Total domestic deposits to total assets | 83.0072% | 4,853 |
| Equity capital to assets | 8.2527% | 6,216 |
| Core capital (leverage) ratio | 9.2275% | 4,518 |
| Tier 1 risk-based capital ratio | 11.7437% | 6,064 |
| Total risk-based capital ratio | 12.9174% | 6,076 |
| Memoranda: |
| Average total assets | $810,835,000 | 826 |
| Average earning assets | $736,894,500 | 833 |
| Average equity | $66,171,500 | 1,109 |
| Average total loans | $656,983,500 | 637 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6975% | 2,605 |
| Cost of funding earning assets | 0.8003% | 2,666 |
| Net interest margin | 3.8972% | 2,838 |
| Noninterest income to average assets | 2.0673% | 413 |
| Noninterest expense to average assets | 4.0429% | 929 |
| Loan and lease loss provision to assets | 0.3592% | 1,853 |
| Net operating income to assets | 0.8163% | 3,211 |
| Return on assets (ROA) | 1.0126% | 2,495 |
| Pretax return on assets | 1.5474% | 1,529 |
| Return on Equity (ROE) | 12.6479% | 1,321 |
| Retained earnings to average equity (ytd only) | 7.2926% | 1,432 |
| Net charge-offs to loans | 0.3286% | 2,997 |
| Credit loss provision to net charge-offs | 134.2937% | 2,079 |
| Earnings coverage of net charge-offs (x) | 5.9024% | 2,918 |
| Efficiency ratio | 71.9194% | 3,427 |
| Assets per employee ($millions) | 3.4327% | 5,143 |
| Cash dividends to net income (ytd only)* | 42.3417% | 2,729 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1535% | 5,330 |
| Loan loss allowance to noncurrent loans | 53.0387% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 2.6999% | 1,783 |
| Noncurrent loans to loans | 2.1749% | 2,494 |
| Net loans and leases to total assets | 81.1913% | 386 |
| Net loans and leases to deposits | 101.7598% | 335 |
| Net loans and leases to core deposits | 135.9782% | 147 |
| Total domestic deposits to total assets | 79.7872% | 5,722 |
| Equity capital to assets | 8.0705% | 6,371 |
| Core capital (leverage) ratio | 9.0541% | 4,814 |
| Tier 1 risk-based capital ratio | 11.3645% | 6,181 |
| Total risk-based capital ratio | 12.5882% | 6,166 |
| Memoranda: |
| Average total assets | $804,661,000 | 817 |
| Average earning assets | $733,833,600 | 815 |
| Average equity | $64,421,600 | 1,100 |
| Average total loans | $654,883,400 | 631 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7135% | 2,755 |
| Cost of funding earning assets | 0.8174% | 2,799 |
| Net interest margin | 3.8961% | 2,924 |
| Noninterest income to average assets | 2.0110% | 419 |
| Noninterest expense to average assets | 4.0153% | 920 |
| Loan and lease loss provision to assets | 0.1895% | 3,219 |
| Net operating income to assets | 0.9068% | 2,955 |
| Return on assets (ROA) | 1.1875% | 1,966 |
| Pretax return on assets | 1.8227% | 991 |
| Return on Equity (ROE) | 14.8625% | 932 |
| Retained earnings to average equity (ytd only) | 9.3455% | 1,111 |
| Net charge-offs to loans | 0.2309% | 3,337 |
| Credit loss provision to net charge-offs | 101.0648% | 2,922 |
| Earnings coverage of net charge-offs (x) | 8.2680% | 2,473 |
| Efficiency ratio | 72.1502% | 3,300 |
| Assets per employee ($millions) | 3.3652% | 5,291 |
| Cash dividends to net income (ytd only)* | 37.1201% | 2,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0512% | 5,886 |
| Loan loss allowance to noncurrent loans | 45.6760% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 2.7835% | 1,891 |
| Noncurrent loans to loans | 2.3015% | 2,505 |
| Net loans and leases to total assets | 81.4044% | 394 |
| Net loans and leases to deposits | 103.1019% | 308 |
| Net loans and leases to core deposits | 137.4957% | 153 |
| Total domestic deposits to total assets | 78.9552% | 5,878 |
| Equity capital to assets | 8.1059% | 6,543 |
| Core capital (leverage) ratio | 9.0138% | 5,044 |
| Tier 1 risk-based capital ratio | 11.3228% | 6,342 |
| Total risk-based capital ratio | 12.4336% | 6,373 |
| Memoranda: |
| Average total assets | $801,579,500 | 827 |
| Average earning assets | $731,250,750 | 823 |
| Average equity | $64,043,250 | 1,116 |
| Average total loans | $650,838,500 | 638 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7246% | 2,825 |
| Cost of funding earning assets | 0.8385% | 2,880 |
| Net interest margin | 3.8861% | 2,969 |
| Noninterest income to average assets | 1.9022% | 429 |
| Noninterest expense to average assets | 3.9164% | 1,051 |
| Loan and lease loss provision to assets | 0.1603% | 3,513 |
| Net operating income to assets | 0.9282% | 2,770 |
| Return on assets (ROA) | 1.4022% | 1,327 |
| Pretax return on assets | 2.1034% | 577 |
| Return on Equity (ROE) | 17.6377% | 551 |
| Retained earnings to average equity (ytd only) | 12.5966% | 491 |
| Net charge-offs to loans | 0.1921% | 3,428 |
| Credit loss provision to net charge-offs | 103.2258% | 2,642 |
| Earnings coverage of net charge-offs (x) | 9.8661% | 2,122 |
| Efficiency ratio | 71.8784% | 3,449 |
| Assets per employee ($millions) | 3.5177% | 4,945 |
| Cash dividends to net income (ytd only)* | 28.5816% | 2,681 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0486% | 5,970 |
| Loan loss allowance to noncurrent loans | 45.5560% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 2.7279% | 2,020 |
| Noncurrent loans to loans | 2.3018% | 2,604 |
| Net loans and leases to total assets | 80.8467% | 421 |
| Net loans and leases to deposits | 103.9629% | 280 |
| Net loans and leases to core deposits | 135.1244% | 172 |
| Total domestic deposits to total assets | 77.7649% | 6,205 |
| Equity capital to assets | 7.9013% | 6,633 |
| Core capital (leverage) ratio | 9.0224% | 4,881 |
| Tier 1 risk-based capital ratio | 11.3548% | 6,310 |
| Total risk-based capital ratio | 12.4761% | 6,362 |
| Memoranda: |
| Average total assets | $798,433,000 | 830 |
| Average earning assets | $728,655,000 | 830 |
| Average equity | $63,477,670 | 1,121 |
| Average total loans | $645,378,330 | 641 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8874% | 2,295 |
| Cost of funding earning assets | 0.8824% | 2,817 |
| Net interest margin | 4.0050% | 2,482 |
| Noninterest income to average assets | 1.6166% | 559 |
| Noninterest expense to average assets | 3.8201% | 1,186 |
| Loan and lease loss provision to assets | 0.1269% | 3,756 |
| Net operating income to assets | 0.9342% | 2,772 |
| Return on assets (ROA) | 0.8580% | 3,352 |
| Pretax return on assets | 1.2414% | 2,760 |
| Return on Equity (ROE) | 10.7582% | 2,121 |
| Retained earnings to average equity (ytd only) | 5.6655% | 3,158 |
| Net charge-offs to loans | 0.2748% | 2,573 |
| Credit loss provision to net charge-offs | 57.4713% | 3,162 |
| Earnings coverage of net charge-offs (x) | 6.5402% | 2,190 |
| Efficiency ratio | 72.5624% | 3,330 |
| Assets per employee ($millions) | 3.3984% | 5,342 |
| Cash dividends to net income (ytd only)* | 47.3373% | 1,543 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0762% | 5,978 |
| Loan loss allowance to noncurrent loans | 59.8981% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 2.2669% | 2,630 |
| Noncurrent loans to loans | 1.7967% | 3,415 |
| Net loans and leases to total assets | 79.8213% | 425 |
| Net loans and leases to deposits | 99.0375% | 402 |
| Net loans and leases to core deposits | 124.4717% | 247 |
| Total domestic deposits to total assets | 80.5970% | 5,701 |
| Equity capital to assets | 8.0681% | 6,470 |
| Core capital (leverage) ratio | 8.7722% | 5,167 |
| Tier 1 risk-based capital ratio | 11.2749% | 6,404 |
| Total risk-based capital ratio | 12.4028% | 6,451 |
| Memoranda: |
| Average total assets | $787,835,500 | 842 |
| Average earning assets | $717,602,500 | 837 |
| Average equity | $62,836,000 | 1,130 |
| Average total loans | $633,235,500 | 658 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1788% | 2,153 |
| Cost of funding earning assets | 1.0969% | 2,695 |
| Net interest margin | 4.0819% | 2,514 |
| Noninterest income to average assets | 1.3997% | 659 |
| Noninterest expense to average assets | 3.8232% | 1,301 |
| Loan and lease loss provision to assets | 0.3635% | 2,825 |
| Net operating income to assets | 0.6706% | 3,624 |
| Return on assets (ROA) | 0.6586% | 3,885 |
| Pretax return on assets | 0.9304% | 3,510 |
| Return on Equity (ROE) | 8.5552% | 2,652 |
| Retained earnings to average equity (ytd only) | 3.0004% | 4,088 |
| Net charge-offs to loans | 0.2818% | 4,014 |
| Credit loss provision to net charge-offs | 162.8263% | 1,684 |
| Earnings coverage of net charge-offs (x) | 5.7491% | 2,695 |
| Efficiency ratio | 74.8660% | 3,076 |
| Assets per employee ($millions) | 3.4984% | 5,016 |
| Cash dividends to net income (ytd only)* | 64.9288% | 1,355 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1063% | 5,790 |
| Loan loss allowance to noncurrent loans | 80.6983% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 2.0502% | 2,899 |
| Noncurrent loans to loans | 1.3709% | 4,088 |
| Net loans and leases to total assets | 79.1801% | 582 |
| Net loans and leases to deposits | 97.1461% | 617 |
| Net loans and leases to core deposits | 125.0324% | 286 |
| Total domestic deposits to total assets | 81.5062% | 5,290 |
| Equity capital to assets | 7.8841% | 6,644 |
| Core capital (leverage) ratio | 8.6212% | 5,361 |
| Tier 1 risk-based capital ratio | 11.0327% | 6,437 |
| Total risk-based capital ratio | 12.1815% | 6,468 |
| Memoranda: |
| Average total assets | $789,229,600 | 831 |
| Average earning assets | $716,749,000 | 829 |
| Average equity | $60,758,600 | 1,111 |
| Average total loans | $625,175,600 | 666 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2116% | 2,164 |
| Cost of funding earning assets | 1.1488% | 2,638 |
| Net interest margin | 4.0628% | 2,633 |
| Noninterest income to average assets | 1.3384% | 730 |
| Noninterest expense to average assets | 3.7527% | 1,393 |
| Loan and lease loss provision to assets | 0.4656% | 2,123 |
| Net operating income to assets | 0.6109% | 4,034 |
| Return on assets (ROA) | 0.6277% | 4,157 |
| Pretax return on assets | 0.8523% | 3,940 |
| Return on Equity (ROE) | 8.2033% | 2,962 |
| Retained earnings to average equity (ytd only) | 2.4053% | 4,919 |
| Net charge-offs to loans | 0.9120% | 1,757 |
| Credit loss provision to net charge-offs | 64.6259% | 4,648 |
| Earnings coverage of net charge-offs (x) | 1.7666% | 4,331 |
| Efficiency ratio | 74.6729% | 3,053 |
| Assets per employee ($millions) | 3.4895% | 5,032 |
| Cash dividends to net income (ytd only)* | 70.6784% | 860 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6981% | 6,965 |
| Loan loss allowance to noncurrent loans | 50.2981% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 2.1617% | 2,953 |
| Noncurrent loans to loans | 1.3879% | 4,213 |
| Net loans and leases to total assets | 78.7802% | 628 |
| Net loans and leases to deposits | 96.6702% | 664 |
| Net loans and leases to core deposits | 120.3558% | 379 |
| Total domestic deposits to total assets | 81.4938% | 5,256 |
| Equity capital to assets | 7.7809% | 6,809 |
| Core capital (leverage) ratio | 8.5800% | 5,588 |
| Tier 1 risk-based capital ratio | 10.9176% | 6,593 |
| Total risk-based capital ratio | 11.6386% | 6,810 |
| Memoranda: |
| Average total assets | $788,877,750 | 837 |
| Average earning assets | $715,949,250 | 837 |
| Average equity | $60,364,500 | 1,121 |
| Average total loans | $623,212,000 | 672 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2235% | 2,172 |
| Cost of funding earning assets | 1.2032% | 2,562 |
| Net interest margin | 4.0203% | 2,743 |
| Noninterest income to average assets | 1.2122% | 867 |
| Noninterest expense to average assets | 3.7723% | 1,392 |
| Loan and lease loss provision to assets | 0.2204% | 3,714 |
| Net operating income to assets | 0.6719% | 3,681 |
| Return on assets (ROA) | 0.6309% | 4,030 |
| Pretax return on assets | 0.8322% | 3,902 |
| Return on Equity (ROE) | 8.2914% | 2,812 |
| Retained earnings to average equity (ytd only) | 3.2031% | 4,229 |
| Net charge-offs to loans | 0.3746% | 3,058 |
| Credit loss provision to net charge-offs | 74.5704% | 3,929 |
| Earnings coverage of net charge-offs (x) | 3.6692% | 3,084 |
| Efficiency ratio | 77.6738% | 2,765 |
| Assets per employee ($millions) | 3.3526% | 5,319 |
| Cash dividends to net income (ytd only)* | 61.3682% | 1,307 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9093% | 6,631 |
| Loan loss allowance to noncurrent loans | 67.4578% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 2.3150% | 2,845 |
| Noncurrent loans to loans | 1.3479% | 4,404 |
| Net loans and leases to total assets | 78.1092% | 764 |
| Net loans and leases to deposits | 94.4488% | 840 |
| Net loans and leases to core deposits | 118.5485% | 454 |
| Total domestic deposits to total assets | 82.7001% | 4,904 |
| Equity capital to assets | 7.7984% | 6,807 |
| Core capital (leverage) ratio | 8.5497% | 5,477 |
| Tier 1 risk-based capital ratio | 10.9677% | 6,556 |
| Total risk-based capital ratio | 11.8867% | 6,730 |
| Memoranda: |
| Average total assets | $787,797,330 | 850 |
| Average earning assets | $714,122,670 | 854 |
| Average equity | $59,941,330 | 1,115 |
| Average total loans | $621,476,000 | 689 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2440% | 2,077 |
| Cost of funding earning assets | 1.2363% | 2,591 |
| Net interest margin | 4.0077% | 2,655 |
| Noninterest income to average assets | 1.0648% | 1,159 |
| Noninterest expense to average assets | 3.6829% | 1,567 |
| Loan and lease loss provision to assets | 0.0758% | 5,051 |
| Net operating income to assets | 0.7417% | 3,317 |
| Return on assets (ROA) | 0.6659% | 3,753 |
| Pretax return on assets | 0.8641% | 3,648 |
| Return on Equity (ROE) | 8.8608% | 2,527 |
| Retained earnings to average equity (ytd only) | 3.3102% | 4,202 |
| Net charge-offs to loans | 0.2319% | 3,154 |
| Credit loss provision to net charge-offs | 41.4365% | 3,915 |
| Earnings coverage of net charge-offs (x) | 5.5497% | 2,262 |
| Efficiency ratio | 78.3816% | 2,788 |
| Assets per employee ($millions) | 3.3700% | 5,323 |
| Cash dividends to net income (ytd only)* | 62.6424% | 1,186 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9331% | 6,609 |
| Loan loss allowance to noncurrent loans | 70.9400% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 2.2215% | 3,042 |
| Noncurrent loans to loans | 1.3154% | 4,499 |
| Net loans and leases to total assets | 76.1834% | 1,011 |
| Net loans and leases to deposits | 91.6066% | 1,057 |
| Net loans and leases to core deposits | 113.9011% | 605 |
| Total domestic deposits to total assets | 83.1636% | 4,868 |
| Equity capital to assets | 7.5543% | 6,840 |
| Core capital (leverage) ratio | 8.4313% | 5,571 |
| Tier 1 risk-based capital ratio | 10.9977% | 6,513 |
| Total risk-based capital ratio | 11.9376% | 6,683 |
| Memoranda: |
| Average total assets | $791,118,000 | 849 |
| Average earning assets | $717,311,000 | 855 |
| Average equity | $59,453,000 | 1,115 |
| Average total loans | $624,337,000 | 693 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5071% | 2,252 |
| Cost of funding earning assets | 1.6525% | 1,816 |
| Net interest margin | 3.8546% | 3,716 |
| Noninterest income to average assets | 1.4441% | 688 |
| Noninterest expense to average assets | 3.7992% | 1,490 |
| Loan and lease loss provision to assets | 0.4391% | 3,485 |
| Net operating income to assets | 0.5038% | 4,084 |
| Return on assets (ROA) | 0.6359% | 3,657 |
| Pretax return on assets | 0.8713% | 3,404 |
| Return on Equity (ROE) | 8.6342% | 2,451 |
| Retained earnings to average equity (ytd only) | 5.7006% | 1,989 |
| Net charge-offs to loans | 0.4654% | 3,758 |
| Credit loss provision to net charge-offs | 117.3360% | 3,646 |
| Earnings coverage of net charge-offs (x) | 3.0184% | 3,559 |
| Efficiency ratio | 77.0818% | 2,860 |
| Assets per employee ($millions) | 3.2389% | 5,566 |
| Cash dividends to net income (ytd only)* | 33.9768% | 2,872 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9216% | 6,658 |
| Loan loss allowance to noncurrent loans | 60.1163% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 2.2434% | 3,037 |
| Noncurrent loans to loans | 1.5330% | 4,192 |
| Net loans and leases to total assets | 80.1940% | 643 |
| Net loans and leases to deposits | 96.5325% | 818 |
| Net loans and leases to core deposits | 121.2291% | 498 |
| Total domestic deposits to total assets | 83.0745% | 4,765 |
| Equity capital to assets | 7.4757% | 6,891 |
| Core capital (leverage) ratio | 8.2440% | 5,758 |
| Tier 1 risk-based capital ratio | 10.7973% | 6,491 |
| Total risk-based capital ratio | 11.7622% | 6,673 |
| Memoranda: |
| Average total assets | $798,437,600 | 848 |
| Average earning assets | $721,817,600 | 845 |
| Average equity | $58,801,200 | 1,138 |
| Average total loans | $642,027,800 | 686 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4865% | 2,487 |
| Cost of funding earning assets | 1.7364% | 1,692 |
| Net interest margin | 3.7501% | 4,184 |
| Noninterest income to average assets | 1.4656% | 632 |
| Noninterest expense to average assets | 3.8408% | 1,295 |
| Loan and lease loss provision to assets | 0.3443% | 3,858 |
| Net operating income to assets | 0.5263% | 4,198 |
| Return on assets (ROA) | 0.7177% | 3,487 |
| Pretax return on assets | 0.9104% | 3,525 |
| Return on Equity (ROE) | 9.7821% | 2,213 |
| Retained earnings to average equity (ytd only) | 5.8661% | 2,430 |
| Net charge-offs to loans | 0.5409% | 3,138 |
| Credit loss provision to net charge-offs | 79.2865% | 5,160 |
| Earnings coverage of net charge-offs (x) | 2.3314% | 4,005 |
| Efficiency ratio | 79.1399% | 2,467 |
| Assets per employee ($millions) | 3.3206% | 5,399 |
| Cash dividends to net income (ytd only)* | 40.0324% | 2,093 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7408% | 7,128 |
| Loan loss allowance to noncurrent loans | 102.3482% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 4,188 |
| Noncurrent loans to loans | 0.7238% | 5,762 |
| Net loans and leases to total assets | 80.0060% | 748 |
| Net loans and leases to deposits | 96.2540% | 953 |
| Net loans and leases to core deposits | 119.6262% | 626 |
| Total domestic deposits to total assets | 83.1197% | 4,540 |
| Equity capital to assets | 7.3607% | 7,205 |
| Core capital (leverage) ratio | 8.1837% | 6,068 |
| Tier 1 risk-based capital ratio | 10.4846% | 6,788 |
| Total risk-based capital ratio | 11.2661% | 7,047 |
| Memoranda: |
| Average total assets | $800,474,750 | 847 |
| Average earning assets | $723,092,750 | 849 |
| Average equity | $58,731,500 | 1,141 |
| Average total loans | $642,620,000 | 688 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4482% | 2,763 |
| Cost of funding earning assets | 1.7965% | 1,654 |
| Net interest margin | 3.6516% | 4,573 |
| Noninterest income to average assets | 1.4646% | 594 |
| Noninterest expense to average assets | 3.6871% | 1,578 |
| Loan and lease loss provision to assets | 0.2714% | 4,220 |
| Net operating income to assets | 0.6423% | 3,661 |
| Return on assets (ROA) | 0.7920% | 3,154 |
| Pretax return on assets | 1.0155% | 3,059 |
| Return on Equity (ROE) | 10.8063% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.8063% | 691 |
| Net charge-offs to loans | 0.2560% | 4,069 |
| Credit loss provision to net charge-offs | 132.2738% | 3,045 |
| Earnings coverage of net charge-offs (x) | 5.3362% | 2,694 |
| Efficiency ratio | 77.1010% | 2,879 |
| Assets per employee ($millions) | 3.3162% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8652% | 6,869 |
| Loan loss allowance to noncurrent loans | 189.0117% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 4,373 |
| Noncurrent loans to loans | 0.4577% | 6,336 |
| Net loans and leases to total assets | 80.5551% | 718 |
| Net loans and leases to deposits | 97.7907% | 894 |
| Net loans and leases to core deposits | 121.5720% | 645 |
| Total domestic deposits to total assets | 82.3750% | 4,838 |
| Equity capital to assets | 7.4870% | 7,124 |
| Core capital (leverage) ratio | 8.3380% | 5,693 |
| Tier 1 risk-based capital ratio | 10.5540% | 6,646 |
| Total risk-based capital ratio | 11.4618% | 6,878 |
| Memoranda: |
| Average total assets | $797,222,000 | 854 |
| Average earning assets | $724,279,330 | 846 |
| Average equity | $58,429,000 | 1,138 |
| Average total loans | $639,135,670 | 700 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4394% | 2,867 |
| Cost of funding earning assets | 1.9043% | 1,432 |
| Net interest margin | 3.5351% | 5,014 |
| Noninterest income to average assets | 1.2832% | 738 |
| Noninterest expense to average assets | 3.6578% | 1,599 |
| Loan and lease loss provision to assets | 0.1067% | 5,560 |
| Net operating income to assets | 0.6169% | 3,825 |
| Return on assets (ROA) | 0.7556% | 3,292 |
| Pretax return on assets | 0.8996% | 3,472 |
| Return on Equity (ROE) | 10.4233% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.4233% | 1,062 |
| Net charge-offs to loans | 0.1713% | 3,894 |
| Credit loss provision to net charge-offs | 78.2288% | 3,926 |
| Earnings coverage of net charge-offs (x) | 6.1661% | 2,271 |
| Efficiency ratio | 81.3025% | 2,371 |
| Assets per employee ($millions) | 3.5378% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8460% | 7,002 |
| Loan loss allowance to noncurrent loans | 69.7117% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.6046% | 4,086 |
| Noncurrent loans to loans | 1.2135% | 4,936 |
| Net loans and leases to total assets | 78.3203% | 1,089 |
| Net loans and leases to deposits | 94.2175% | 1,324 |
| Net loans and leases to core deposits | 116.5010% | 928 |
| Total domestic deposits to total assets | 83.1272% | 4,561 |
| Equity capital to assets | 7.3520% | 7,182 |
| Core capital (leverage) ratio | 8.1314% | 6,021 |
| Tier 1 risk-based capital ratio | 10.3698% | 6,740 |
| Total risk-based capital ratio | 11.2315% | 7,033 |
| Memoranda: |
| Average total assets | $794,577,000 | 876 |
| Average earning assets | $722,799,000 | 874 |
| Average equity | $57,601,500 | 1,155 |
| Average total loans | $632,650,500 | 727 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6458% | 3,370 |
| Cost of funding earning assets | 2.5009% | 1,025 |
| Net interest margin | 3.1449% | 6,243 |
| Noninterest income to average assets | 1.9515% | 387 |
| Noninterest expense to average assets | 4.0429% | 1,304 |
| Loan and lease loss provision to assets | 1.5575% | 1,476 |
| Net operating income to assets | -0.3485% | 6,025 |
| Return on assets (ROA) | -0.2534% | 5,902 |
| Pretax return on assets | -0.6574% | 6,142 |
| Return on Equity (ROE) | -3.3638% | 6,038 |
| Retained earnings to average equity (ytd only) | -3.3638% | 5,763 |
| Net charge-offs to loans | 1.7298% | 1,447 |
| Credit loss provision to net charge-offs | 112.2663% | 4,886 |
| Earnings coverage of net charge-offs (x) | 0.5416% | 5,571 |
| Efficiency ratio | 84.3262% | 2,311 |
| Assets per employee ($millions) | 3.4940% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8447% | 6,998 |
| Loan loss allowance to noncurrent loans | 86.2528% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.4659% | 4,202 |
| Noncurrent loans to loans | 0.9794% | 5,363 |
| Net loans and leases to total assets | 79.5779% | 1,072 |
| Net loans and leases to deposits | 96.1967% | 1,311 |
| Net loans and leases to core deposits | 139.4584% | 831 |
| Total domestic deposits to total assets | 82.7241% | 4,649 |
| Equity capital to assets | 7.1463% | 7,295 |
| Core capital (leverage) ratio | 7.8040% | 6,447 |
| Tier 1 risk-based capital ratio | 10.0294% | 6,849 |
| Total risk-based capital ratio | 10.9006% | 7,102 |
| Memoranda: |
| Average total assets | $763,316,000 | 899 |
| Average earning assets | $689,996,000 | 902 |
| Average equity | $57,495,200 | 1,152 |
| Average total loans | $612,218,200 | 765 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6410% | 3,629 |
| Cost of funding earning assets | 2.5682% | 1,109 |
| Net interest margin | 3.0728% | 6,389 |
| Noninterest income to average assets | 1.7433% | 482 |
| Noninterest expense to average assets | 3.9643% | 1,328 |
| Loan and lease loss provision to assets | 0.4567% | 3,625 |
| Net operating income to assets | 0.0942% | 5,482 |
| Return on assets (ROA) | 0.2831% | 4,954 |
| Pretax return on assets | 0.2881% | 5,094 |
| Return on Equity (ROE) | 3.7088% | 4,493 |
| Retained earnings to average equity (ytd only) | 3.7088% | 3,213 |
| Net charge-offs to loans | 0.3484% | 3,897 |
| Credit loss provision to net charge-offs | 163.4470% | 2,885 |
| Earnings coverage of net charge-offs (x) | 1.9773% | 4,337 |
| Efficiency ratio | 87.7685% | 1,895 |
| Assets per employee ($millions) | 3.3985% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8022% | 7,107 |
| Loan loss allowance to noncurrent loans | 80.5644% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.0481% | 4,983 |
| Noncurrent loans to loans | 0.9958% | 5,314 |
| Net loans and leases to total assets | 80.7445% | 1,032 |
| Net loans and leases to deposits | 99.2147% | 1,188 |
| Net loans and leases to core deposits | 140.0015% | 913 |
| Total domestic deposits to total assets | 81.3836% | 4,931 |
| Equity capital to assets | 7.7674% | 7,068 |
| Core capital (leverage) ratio | 8.7816% | 5,005 |
| Tier 1 risk-based capital ratio | 10.5777% | 6,376 |
| Total risk-based capital ratio | 11.3936% | 6,780 |
| Memoranda: |
| Average total assets | $755,859,750 | 915 |
| Average earning assets | $682,222,000 | 922 |
| Average equity | $57,699,000 | 1,162 |
| Average total loans | $606,137,250 | 793 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6259% | 3,935 |
| Cost of funding earning assets | 2.6657% | 1,123 |
| Net interest margin | 2.9601% | 6,655 |
| Noninterest income to average assets | 1.6988% | 508 |
| Noninterest expense to average assets | 3.8057% | 1,650 |
| Loan and lease loss provision to assets | 0.3292% | 3,964 |
| Net operating income to assets | 0.1936% | 5,284 |
| Return on assets (ROA) | 0.1515% | 5,511 |
| Pretax return on assets | 0.1865% | 5,503 |
| Return on Equity (ROE) | 1.9971% | 5,301 |
| Retained earnings to average equity (ytd only) | 1.9971% | 4,231 |
| Net charge-offs to loans | 0.1956% | 4,312 |
| Credit loss provision to net charge-offs | 210.9589% | 2,174 |
| Earnings coverage of net charge-offs (x) | 3.5616% | 3,392 |
| Efficiency ratio | 87.2557% | 2,101 |
| Assets per employee ($millions) | 3.5040% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7767% | 7,229 |
| Loan loss allowance to noncurrent loans | 128.6765% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7127% | 5,626 |
| Noncurrent loans to loans | 0.6036% | 6,052 |
| Net loans and leases to total assets | 79.3834% | 1,438 |
| Net loans and leases to deposits | 96.8339% | 1,679 |
| Net loans and leases to core deposits | 137.9927% | 1,108 |
| Total domestic deposits to total assets | 81.9790% | 4,702 |
| Equity capital to assets | 7.7373% | 7,038 |
| Core capital (leverage) ratio | 8.6792% | 5,130 |
| Tier 1 risk-based capital ratio | 10.7499% | 6,134 |
| Total risk-based capital ratio | 11.5281% | 6,553 |
| Memoranda: |
| Average total assets | $748,394,670 | 939 |
| Average earning assets | $673,211,000 | 943 |
| Average equity | $56,782,000 | 1,187 |
| Average total loans | $597,023,000 | 832 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6094% | 4,296 |
| Cost of funding earning assets | 2.7777% | 1,037 |
| Net interest margin | 2.8316% | 6,925 |
| Noninterest income to average assets | 1.5980% | 538 |
| Noninterest expense to average assets | 3.5409% | 1,998 |
| Loan and lease loss provision to assets | 0.3130% | 3,466 |
| Net operating income to assets | 0.2568% | 5,457 |
| Return on assets (ROA) | 0.3173% | 5,404 |
| Pretax return on assets | 0.3270% | 5,602 |
| Return on Equity (ROE) | 4.2255% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.2255% | 3,554 |
| Net charge-offs to loans | 0.1617% | 3,672 |
| Credit loss provision to net charge-offs | 243.0962% | 1,914 |
| Earnings coverage of net charge-offs (x) | 4.4728% | 2,878 |
| Efficiency ratio | 86.0097% | 2,064 |
| Assets per employee ($millions) | 3.5134% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7442% | 7,326 |
| Loan loss allowance to noncurrent loans | 87.4382% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 5,055 |
| Noncurrent loans to loans | 0.8511% | 5,323 |
| Net loans and leases to total assets | 77.3246% | 1,965 |
| Net loans and leases to deposits | 94.6024% | 2,172 |
| Net loans and leases to core deposits | 136.4454% | 1,273 |
| Total domestic deposits to total assets | 81.7363% | 4,664 |
| Equity capital to assets | 7.6996% | 7,177 |
| Core capital (leverage) ratio | 8.9082% | 4,851 |
| Tier 1 risk-based capital ratio | 10.9424% | 5,955 |
| Total risk-based capital ratio | 11.6846% | 6,368 |
| Memoranda: |
| Average total assets | $742,406,000 | 945 |
| Average earning assets | $660,393,500 | 969 |
| Average equity | $55,757,000 | 1,215 |
| Average total loans | $591,367,500 | 839 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3850% | 3,497 |
| Cost of funding earning assets | 3.2125% | 1,153 |
| Net interest margin | 3.1725% | 6,455 |
| Noninterest income to average assets | 1.0958% | 1,312 |
| Noninterest expense to average assets | 3.5017% | 2,392 |
| Loan and lease loss provision to assets | 0.2171% | 4,714 |
| Net operating income to assets | 0.2619% | 5,675 |
| Return on assets (ROA) | 0.4045% | 4,949 |
| Pretax return on assets | 0.3880% | 5,293 |
| Return on Equity (ROE) | 5.1503% | 4,311 |
| Retained earnings to average equity (ytd only) | -1.9062% | 5,844 |
| Net charge-offs to loans | 0.1948% | 4,240 |
| Credit loss provision to net charge-offs | 138.5849% | 3,835 |
| Earnings coverage of net charge-offs (x) | 2.9519% | 4,609 |
| Efficiency ratio | 88.3342% | 1,648 |
| Assets per employee ($millions) | 3.3757% | 5,014 |
| Cash dividends to net income (ytd only)* | 137.0113% | 544 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6926% | 7,451 |
| Loan loss allowance to noncurrent loans | 85.9431% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 4,628 |
| Noncurrent loans to loans | 0.8059% | 5,030 |
| Net loans and leases to total assets | 80.9393% | 1,457 |
| Net loans and leases to deposits | 97.9904% | 2,130 |
| Net loans and leases to core deposits | 145.2714% | 1,041 |
| Total domestic deposits to total assets | 82.5992% | 3,949 |
| Equity capital to assets | 7.3105% | 7,547 |
| Core capital (leverage) ratio | 8.4947% | 5,588 |
| Tier 1 risk-based capital ratio | 10.1343% | 6,591 |
| Total risk-based capital ratio | 10.8264% | 7,127 |
| Memoranda: |
| Average total assets | $676,610,800 | 983 |
| Average earning assets | $611,758,000 | 989 |
| Average equity | $53,143,000 | 1,270 |
| Average total loans | $544,201,000 | 875 |
