Home > Falcon International Bank > Performance and Condition Ratios
Falcon International Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7604% | 1,561 |
| Cost of funding earning assets | 1.9123% | 2,173 |
| Net interest margin | 3.8481% | 1,578 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 2.4616% | 2,416 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.4309% | 1,203 |
| Return on assets (ROA) | 1.4882% | 1,116 |
| Pretax return on assets | 1.8636% | 858 |
| Return on Equity (ROE) | 13.2200% | 1,431 |
| Retained earnings to average equity (ytd only) | 10.2105% | 1,141 |
| Net charge-offs to loans | 0.0320% | 1,378 |
| Credit loss provision to net charge-offs | 142.8571% | 1,052 |
| Earnings coverage of net charge-offs (x) | 89.6762% | 747 |
| Efficiency ratio | 57.4783% | 3,243 |
| Assets per employee ($millions) | 5.3716% | 3,418 |
| Cash dividends to net income (ytd only)* | 22.7420% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,072 |
| Loan loss allowance to noncurrent loans | 363.4921% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 2,613 |
| Noncurrent loans to loans | 0.2834% | 2,487 |
| Net loans and leases to total assets | 62.2200% | 2,674 |
| Net loans and leases to deposits | 70.5586% | 2,823 |
| Net loans and leases to core deposits | 90.7518% | 1,997 |
| Total domestic deposits to total assets | 88.1900% | 1,492 |
| Equity capital to assets | 11.1857% | 1,568 |
| Core capital (leverage) ratio | 12.9088% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2317% | 646 |
| Memoranda: | ||
| Average total assets | $2,068,281,500 | 579 |
| Average earning assets | $1,940,692,000 | 566 |
| Average equity | $232,898,000 | 529 |
| Average total loans | $1,313,804,000 | 628 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9099% | 1,380 |
| Cost of funding earning assets | 2.0815% | 2,027 |
| Net interest margin | 3.8285% | 1,415 |
| Noninterest income to average assets | 0.8100% | 864 |
| Noninterest expense to average assets | 2.3715% | 2,603 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.5849% | 829 |
| Return on assets (ROA) | 1.6181% | 796 |
| Pretax return on assets | 2.0305% | 618 |
| Return on Equity (ROE) | 14.8200% | 989 |
| Retained earnings to average equity (ytd only) | 12.0437% | 506 |
| Net charge-offs to loans | 0.0210% | 1,952 |
| Credit loss provision to net charge-offs | 105.2632% | 1,609 |
| Earnings coverage of net charge-offs (x) | 157.6474% | 602 |
| Efficiency ratio | 54.0316% | 3,717 |
| Assets per employee ($millions) | 4.8972% | 3,715 |
| Cash dividends to net income (ytd only)* | 18.7320% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 2,848 |
| Loan loss allowance to noncurrent loans | 320.5085% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 2,398 |
| Noncurrent loans to loans | 0.3378% | 2,260 |
| Net loans and leases to total assets | 62.0000% | 2,736 |
| Net loans and leases to deposits | 70.7784% | 2,922 |
| Net loans and leases to core deposits | 89.0794% | 2,211 |
| Total domestic deposits to total assets | 87.6000% | 1,384 |
| Equity capital to assets | 11.7288% | 1,385 |
| Core capital (leverage) ratio | 13.0802% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3307% | 570 |
| Memoranda: | ||
| Average total assets | $1,979,416,750 | 581 |
| Average earning assets | $1,851,725,500 | 569 |
| Average equity | $216,129,250 | 538 |
| Average total loans | $1,206,065,500 | 659 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8908% | 1,319 |
| Cost of funding earning assets | 2.0749% | 1,934 |
| Net interest margin | 3.8159% | 1,400 |
| Noninterest income to average assets | 0.8500% | 792 |
| Noninterest expense to average assets | 2.3160% | 2,750 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.6465% | 742 |
| Return on assets (ROA) | 1.6285% | 763 |
| Pretax return on assets | 2.0400% | 604 |
| Return on Equity (ROE) | 15.2900% | 944 |
| Retained earnings to average equity (ytd only) | 12.4495% | 497 |
| Net charge-offs to loans | 0.0177% | 1,821 |
| Credit loss provision to net charge-offs | 188.6792% | 1,059 |
| Earnings coverage of net charge-offs (x) | 196.9245% | 499 |
| Efficiency ratio | 52.3827% | 3,873 |
| Assets per employee ($millions) | 5.1783% | 3,480 |
| Cash dividends to net income (ytd only)* | 18.5793% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 2,640 |
| Loan loss allowance to noncurrent loans | 201.3779% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 1,823 |
| Noncurrent loans to loans | 0.5594% | 1,620 |
| Net loans and leases to total assets | 59.3500% | 3,011 |
| Net loans and leases to deposits | 67.0196% | 3,196 |
| Net loans and leases to core deposits | 82.3427% | 2,654 |
| Total domestic deposits to total assets | 88.5600% | 1,144 |
| Equity capital to assets | 10.8310% | 1,645 |
| Core capital (leverage) ratio | 12.2818% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4215% | 570 |
| Memoranda: | ||
| Average total assets | $1,982,992,000 | 584 |
| Average earning assets | $1,853,869,667 | 569 |
| Average equity | $211,204,667 | 548 |
| Average total loans | $1,196,745,333 | 666 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7877% | 1,329 |
| Cost of funding earning assets | 2.0404% | 1,897 |
| Net interest margin | 3.7472% | 1,447 |
| Noninterest income to average assets | 1.0300% | 531 |
| Noninterest expense to average assets | 2.4395% | 2,408 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.6371% | 734 |
| Return on assets (ROA) | 1.5972% | 790 |
| Pretax return on assets | 2.0001% | 637 |
| Return on Equity (ROE) | 15.1200% | 977 |
| Retained earnings to average equity (ytd only) | 12.2551% | 699 |
| Net charge-offs to loans | 0.0200% | 1,456 |
| Credit loss provision to net charge-offs | 333.3333% | 623 |
| Earnings coverage of net charge-offs (x) | 172.4833% | 461 |
| Efficiency ratio | 53.8527% | 3,772 |
| Assets per employee ($millions) | 5.3873% | 3,359 |
| Cash dividends to net income (ytd only)* | 18.9705% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 2,786 |
| Loan loss allowance to noncurrent loans | 182.4858% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,672 |
| Noncurrent loans to loans | 0.6060% | 1,436 |
| Net loans and leases to total assets | 58.9400% | 2,970 |
| Net loans and leases to deposits | 66.1546% | 3,164 |
| Net loans and leases to core deposits | 79.3410% | 2,774 |
| Total domestic deposits to total assets | 89.0900% | 1,081 |
| Equity capital to assets | 10.2861% | 1,847 |
| Core capital (leverage) ratio | 12.0795% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2875% | 660 |
| Memoranda: | ||
| Average total assets | $1,980,256,000 | 595 |
| Average earning assets | $1,851,385,500 | 578 |
| Average equity | $209,121,500 | 552 |
| Average total loans | $1,198,276,000 | 666 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4289% | 1,260 |
| Cost of funding earning assets | 1.4972% | 1,947 |
| Net interest margin | 3.9317% | 1,314 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.2869% | 2,884 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.7410% | 678 |
| Return on assets (ROA) | 1.7512% | 630 |
| Pretax return on assets | 2.1956% | 492 |
| Return on Equity (ROE) | 17.7800% | 847 |
| Retained earnings to average equity (ytd only) | 14.6340% | 356 |
| Net charge-offs to loans | 0.0353% | 1,606 |
| Credit loss provision to net charge-offs | 73.8916% | 2,062 |
| Earnings coverage of net charge-offs (x) | 104.9729% | 881 |
| Efficiency ratio | 50.9879% | 3,909 |
| Assets per employee ($millions) | 5.1023% | 3,559 |
| Cash dividends to net income (ytd only)* | 17.6730% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 2,625 |
| Loan loss allowance to noncurrent loans | 173.7863% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 1,380 |
| Noncurrent loans to loans | 0.6531% | 1,201 |
| Net loans and leases to total assets | 60.7900% | 2,773 |
| Net loans and leases to deposits | 68.5492% | 2,985 |
| Net loans and leases to core deposits | 81.7777% | 2,605 |
| Total domestic deposits to total assets | 88.6800% | 1,163 |
| Equity capital to assets | 10.8537% | 1,556 |
| Core capital (leverage) ratio | 12.2105% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4406% | 654 |
| Memoranda: | ||
| Average total assets | $1,938,712,400 | 590 |
| Average earning assets | $1,815,483,000 | 570 |
| Average equity | $190,994,000 | 560 |
| Average total loans | $1,151,479,400 | 655 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3517% | 1,207 |
| Cost of funding earning assets | 1.3951% | 1,883 |
| Net interest margin | 3.9566% | 1,284 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 2.2844% | 2,840 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8121% | 652 |
| Return on assets (ROA) | 1.7729% | 688 |
| Pretax return on assets | 2.2232% | 545 |
| Return on Equity (ROE) | 18.4600% | 883 |
| Retained earnings to average equity (ytd only) | 15.2467% | 530 |
| Net charge-offs to loans | 0.0135% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 285.7586% | 469 |
| Efficiency ratio | 50.1339% | 3,904 |
| Assets per employee ($millions) | 5.0945% | 3,531 |
| Cash dividends to net income (ytd only)* | 17.3987% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 2,664 |
| Loan loss allowance to noncurrent loans | 165.2793% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 1,376 |
| Noncurrent loans to loans | 0.6912% | 1,191 |
| Net loans and leases to total assets | 60.2800% | 2,816 |
| Net loans and leases to deposits | 67.1744% | 3,046 |
| Net loans and leases to core deposits | 78.9466% | 2,680 |
| Total domestic deposits to total assets | 89.7400% | 1,005 |
| Equity capital to assets | 9.7515% | 1,960 |
| Core capital (leverage) ratio | 11.6262% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8651% | 713 |
| Memoranda: | ||
| Average total assets | $1,945,053,250 | 589 |
| Average earning assets | $1,822,665,750 | 571 |
| Average equity | $186,825,250 | 564 |
| Average total loans | $1,145,230,500 | 657 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 1,088 |
| Cost of funding earning assets | 1.0923% | 1,772 |
| Net interest margin | 4.0081% | 1,247 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.2468% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8540% | 611 |
| Return on assets (ROA) | 1.8988% | 568 |
| Pretax return on assets | 2.3826% | 422 |
| Return on Equity (ROE) | 20.0600% | 760 |
| Retained earnings to average equity (ytd only) | 16.8033% | 611 |
| Net charge-offs to loans | 0.0121% | 1,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 332.6765% | 339 |
| Efficiency ratio | 49.1275% | 4,014 |
| Assets per employee ($millions) | 5.3644% | 3,353 |
| Cash dividends to net income (ytd only)* | 16.2496% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 2,654 |
| Loan loss allowance to noncurrent loans | 494.9853% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 2,339 |
| Noncurrent loans to loans | 0.2387% | 2,309 |
| Net loans and leases to total assets | 57.0400% | 2,954 |
| Net loans and leases to deposits | 63.4338% | 3,134 |
| Net loans and leases to core deposits | 73.6801% | 2,703 |
| Total domestic deposits to total assets | 89.9200% | 1,186 |
| Equity capital to assets | 9.6190% | 2,050 |
| Core capital (leverage) ratio | 11.0479% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9912% | 847 |
| Memoranda: | ||
| Average total assets | $1,944,598,000 | 588 |
| Average earning assets | $1,824,412,500 | 571 |
| Average equity | $184,035,500 | 574 |
| Average total loans | $1,128,085,000 | 656 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 1,958 |
| Cost of funding earning assets | 0.4337% | 1,836 |
| Net interest margin | 3.4785% | 1,998 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.1255% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5744% | 730 |
| Return on assets (ROA) | 1.4509% | 962 |
| Pretax return on assets | 1.8270% | 688 |
| Return on Equity (ROE) | 15.3600% | 1,176 |
| Retained earnings to average equity (ytd only) | 13.0913% | 500 |
| Net charge-offs to loans | -0.1330% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.7291% | 4,007 |
| Assets per employee ($millions) | 5.3051% | 3,418 |
| Cash dividends to net income (ytd only)* | 14.7444% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 1,897 |
| Loan loss allowance to noncurrent loans | 515.2975% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 2,312 |
| Noncurrent loans to loans | 0.2522% | 2,262 |
| Net loans and leases to total assets | 57.5500% | 2,868 |
| Net loans and leases to deposits | 63.6101% | 3,069 |
| Net loans and leases to core deposits | 73.6169% | 2,599 |
| Total domestic deposits to total assets | 90.4800% | 1,160 |
| Equity capital to assets | 9.3049% | 2,150 |
| Core capital (leverage) ratio | 10.9700% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4125% | 907 |
| Memoranda: | ||
| Average total assets | $1,893,185,000 | 590 |
| Average earning assets | $1,781,605,000 | 566 |
| Average equity | $178,881,600 | 576 |
| Average total loans | $1,070,580,000 | 646 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6383% | 2,229 |
| Cost of funding earning assets | 0.3544% | 1,665 |
| Net interest margin | 3.2839% | 2,342 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.1554% | 3,055 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4794% | 892 |
| Return on assets (ROA) | 1.3085% | 1,289 |
| Pretax return on assets | 1.6191% | 1,070 |
| Return on Equity (ROE) | 13.8000% | 1,483 |
| Retained earnings to average equity (ytd only) | 11.5969% | 891 |
| Net charge-offs to loans | -0.1842% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.0816% | 3,815 |
| Assets per employee ($millions) | 5.1953% | 3,505 |
| Cash dividends to net income (ytd only)* | 15.9347% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 1,859 |
| Loan loss allowance to noncurrent loans | 500.6520% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 2,374 |
| Noncurrent loans to loans | 0.2669% | 2,309 |
| Net loans and leases to total assets | 56.9700% | 2,799 |
| Net loans and leases to deposits | 62.6738% | 2,970 |
| Net loans and leases to core deposits | 72.0920% | 2,477 |
| Total domestic deposits to total assets | 90.9000% | 1,280 |
| Equity capital to assets | 8.9295% | 2,258 |
| Core capital (leverage) ratio | 10.5883% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9441% | 999 |
| Memoranda: | ||
| Average total assets | $1,886,370,250 | 590 |
| Average earning assets | $1,776,373,750 | 568 |
| Average equity | $178,928,000 | 586 |
| Average total loans | $1,058,270,250 | 650 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3886% | 2,471 |
| Cost of funding earning assets | 0.3176% | 1,553 |
| Net interest margin | 3.0710% | 2,645 |
| Noninterest income to average assets | 0.9671% | 719 |
| Noninterest expense to average assets | 2.1409% | 3,027 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3996% | 907 |
| Return on assets (ROA) | 1.2216% | 1,347 |
| Pretax return on assets | 1.5012% | 1,163 |
| Return on Equity (ROE) | 12.6309% | 1,482 |
| Retained earnings to average equity (ytd only) | 10.5188% | 899 |
| Net charge-offs to loans | -0.2856% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4362% | 3,834 |
| Assets per employee ($millions) | 5.2208% | 3,495 |
| Cash dividends to net income (ytd only)* | 16.7217% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 1,887 |
| Loan loss allowance to noncurrent loans | 489.3574% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 2,323 |
| Noncurrent loans to loans | 0.2798% | 2,345 |
| Net loans and leases to total assets | 55.4159% | 2,812 |
| Net loans and leases to deposits | 61.1269% | 2,963 |
| Net loans and leases to core deposits | 70.1122% | 2,483 |
| Total domestic deposits to total assets | 90.6572% | 1,398 |
| Equity capital to assets | 9.2095% | 2,226 |
| Core capital (leverage) ratio | 10.4862% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2432% | 959 |
| Memoranda: | ||
| Average total assets | $1,884,803,000 | 583 |
| Average earning assets | $1,776,674,000 | 562 |
| Average equity | $182,283,000 | 585 |
| Average total loans | $1,047,055,000 | 642 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2264% | 2,610 |
| Cost of funding earning assets | 0.3251% | 1,412 |
| Net interest margin | 2.9013% | 2,832 |
| Noninterest income to average assets | 1.0630% | 606 |
| Noninterest expense to average assets | 1.9876% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4967% | 643 |
| Return on assets (ROA) | 1.2829% | 1,032 |
| Pretax return on assets | 1.5546% | 913 |
| Return on Equity (ROE) | 12.9520% | 1,045 |
| Retained earnings to average equity (ytd only) | 10.9081% | 799 |
| Net charge-offs to loans | 0.0085% | 1,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 386.5455% | 261 |
| Efficiency ratio | 52.3078% | 4,178 |
| Assets per employee ($millions) | 5.4551% | 3,350 |
| Cash dividends to net income (ytd only)* | 15.7807% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,556 |
| Loan loss allowance to noncurrent loans | 420.0962% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 2,393 |
| Noncurrent loans to loans | 0.2997% | 2,394 |
| Net loans and leases to total assets | 53.8455% | 2,779 |
| Net loans and leases to deposits | 59.6672% | 2,934 |
| Net loans and leases to core deposits | 68.4477% | 2,419 |
| Total domestic deposits to total assets | 90.2431% | 1,419 |
| Equity capital to assets | 9.4559% | 2,320 |
| Core capital (leverage) ratio | 10.4747% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3251% | 995 |
| Memoranda: | ||
| Average total assets | $1,877,021,000 | 588 |
| Average earning assets | $1,770,649,500 | 565 |
| Average equity | $185,917,000 | 587 |
| Average total loans | $1,036,719,000 | 637 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3769% | 2,987 |
| Cost of funding earning assets | 0.3490% | 1,940 |
| Net interest margin | 3.0278% | 3,119 |
| Noninterest income to average assets | 0.7289% | 1,669 |
| Noninterest expense to average assets | 2.0856% | 3,422 |
| Loan and lease loss provision to assets | 0.0118% | 2,849 |
| Net operating income to assets | 1.1813% | 1,987 |
| Return on assets (ROA) | 1.1522% | 2,157 |
| Pretax return on assets | 1.4409% | 1,911 |
| Return on Equity (ROE) | 10.5403% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.5684% | 1,322 |
| Net charge-offs to loans | -0.0033% | 3,456 |
| Credit loss provision to net charge-offs | -625.0000% | 3,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3420% | 3,389 |
| Assets per employee ($millions) | 5.3010% | 3,477 |
| Cash dividends to net income (ytd only)* | 18.7084% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,490 |
| Loan loss allowance to noncurrent loans | 383.0756% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 2,408 |
| Noncurrent loans to loans | 0.3320% | 2,395 |
| Net loans and leases to total assets | 55.2451% | 2,709 |
| Net loans and leases to deposits | 61.7292% | 2,907 |
| Net loans and leases to core deposits | 70.9366% | 2,363 |
| Total domestic deposits to total assets | 89.4959% | 1,240 |
| Equity capital to assets | 10.3696% | 2,303 |
| Core capital (leverage) ratio | 10.9432% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0749% | 1,028 |
| Memoranda: | ||
| Average total assets | $1,693,295,400 | 618 |
| Average earning assets | $1,591,535,000 | 602 |
| Average equity | $185,099,200 | 587 |
| Average total loans | $960,326,800 | 680 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3787% | 3,166 |
| Cost of funding earning assets | 0.3630% | 1,998 |
| Net interest margin | 3.0157% | 3,263 |
| Noninterest income to average assets | 0.6620% | 1,965 |
| Noninterest expense to average assets | 2.0780% | 3,426 |
| Loan and lease loss provision to assets | 0.0161% | 2,679 |
| Net operating income to assets | 1.1224% | 2,471 |
| Return on assets (ROA) | 1.0986% | 2,620 |
| Pretax return on assets | 1.3692% | 2,439 |
| Return on Equity (ROE) | 9.9080% | 2,769 |
| Retained earnings to average equity (ytd only) | 7.9831% | 2,060 |
| Net charge-offs to loans | 0.0065% | 2,079 |
| Credit loss provision to net charge-offs | 434.7826% | 823 |
| Earnings coverage of net charge-offs (x) | 381.9565% | 365 |
| Efficiency ratio | 59.4891% | 3,068 |
| Assets per employee ($millions) | 4.9923% | 3,705 |
| Cash dividends to net income (ytd only)* | 19.4282% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 2,213 |
| Loan loss allowance to noncurrent loans | 341.7758% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 2,397 |
| Noncurrent loans to loans | 0.3956% | 2,377 |
| Net loans and leases to total assets | 54.8038% | 2,871 |
| Net loans and leases to deposits | 61.5936% | 3,084 |
| Net loans and leases to core deposits | 71.4455% | 2,472 |
| Total domestic deposits to total assets | 88.9764% | 1,290 |
| Equity capital to assets | 10.7958% | 2,167 |
| Core capital (leverage) ratio | 11.0662% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5481% | 1,038 |
| Memoranda: | ||
| Average total assets | $1,655,429,750 | 633 |
| Average earning assets | $1,554,151,000 | 621 |
| Average equity | $183,550,500 | 597 |
| Average total loans | $942,341,750 | 710 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4300% | 3,082 |
| Cost of funding earning assets | 0.3756% | 2,083 |
| Net interest margin | 3.0544% | 3,169 |
| Noninterest income to average assets | 0.6491% | 2,008 |
| Noninterest expense to average assets | 2.1342% | 3,288 |
| Loan and lease loss provision to assets | 0.0246% | 2,478 |
| Net operating income to assets | 1.0894% | 2,581 |
| Return on assets (ROA) | 1.0510% | 2,792 |
| Pretax return on assets | 1.3096% | 2,606 |
| Return on Equity (ROE) | 9.3911% | 2,981 |
| Retained earnings to average equity (ytd only) | 7.5801% | 2,224 |
| Net charge-offs to loans | 0.0049% | 1,967 |
| Credit loss provision to net charge-offs | 869.5652% | 507 |
| Earnings coverage of net charge-offs (x) | 489.2174% | 269 |
| Efficiency ratio | 60.6931% | 2,915 |
| Assets per employee ($millions) | 4.7593% | 3,873 |
| Cash dividends to net income (ytd only)* | 19.2847% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,993 |
| Loan loss allowance to noncurrent loans | 329.7931% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 2,426 |
| Noncurrent loans to loans | 0.4231% | 2,416 |
| Net loans and leases to total assets | 55.2990% | 2,979 |
| Net loans and leases to deposits | 62.3313% | 3,167 |
| Net loans and leases to core deposits | 72.5447% | 2,559 |
| Total domestic deposits to total assets | 88.7178% | 1,438 |
| Equity capital to assets | 11.0765% | 1,929 |
| Core capital (leverage) ratio | 11.0838% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2621% | 920 |
| Memoranda: | ||
| Average total assets | $1,628,134,333 | 633 |
| Average earning assets | $1,528,403,333 | 623 |
| Average equity | $182,214,667 | 595 |
| Average total loans | $934,734,333 | 718 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4954% | 2,938 |
| Cost of funding earning assets | 0.3938% | 2,147 |
| Net interest margin | 3.1016% | 2,983 |
| Noninterest income to average assets | 0.7169% | 1,819 |
| Noninterest expense to average assets | 2.1263% | 3,341 |
| Loan and lease loss provision to assets | 0.0373% | 2,277 |
| Net operating income to assets | 1.1724% | 2,257 |
| Return on assets (ROA) | 1.0895% | 2,582 |
| Pretax return on assets | 1.3593% | 2,397 |
| Return on Equity (ROE) | 9.6834% | 2,793 |
| Retained earnings to average equity (ytd only) | 7.8029% | 2,312 |
| Net charge-offs to loans | -0.0051% | 3,406 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6313% | 3,218 |
| Assets per employee ($millions) | 4.6898% | 3,939 |
| Cash dividends to net income (ytd only)* | 19.4197% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 2,032 |
| Loan loss allowance to noncurrent loans | 320.1815% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 2,263 |
| Noncurrent loans to loans | 0.4324% | 2,563 |
| Net loans and leases to total assets | 56.3421% | 2,994 |
| Net loans and leases to deposits | 63.3795% | 3,180 |
| Net loans and leases to core deposits | 74.1014% | 2,504 |
| Total domestic deposits to total assets | 88.8963% | 1,393 |
| Equity capital to assets | 10.8665% | 1,957 |
| Core capital (leverage) ratio | 11.2694% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9291% | 941 |
| Memoranda: | ||
| Average total assets | $1,606,945,500 | 636 |
| Average earning assets | $1,507,468,500 | 624 |
| Average equity | $180,804,500 | 593 |
| Average total loans | $933,677,000 | 715 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 2,338 |
| Cost of funding earning assets | 0.5397% | 2,683 |
| Net interest margin | 3.5892% | 2,171 |
| Noninterest income to average assets | 0.9384% | 1,174 |
| Noninterest expense to average assets | 2.4441% | 3,012 |
| Loan and lease loss provision to assets | 0.1747% | 2,202 |
| Net operating income to assets | 1.3379% | 1,154 |
| Return on assets (ROA) | 1.3628% | 1,191 |
| Pretax return on assets | 1.6865% | 875 |
| Return on Equity (ROE) | 11.2263% | 1,548 |
| Retained earnings to average equity (ytd only) | 9.5857% | 660 |
| Net charge-offs to loans | -0.0057% | 4,166 |
| Credit loss provision to net charge-offs | -4,901.9608% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1774% | 3,834 |
| Assets per employee ($millions) | 4.4030% | 4,015 |
| Cash dividends to net income (ytd only)* | 14.6139% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,989 |
| Loan loss allowance to noncurrent loans | 1,044.2105% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 2,759 |
| Noncurrent loans to loans | 0.1336% | 3,744 |
| Net loans and leases to total assets | 58.3016% | 3,052 |
| Net loans and leases to deposits | 66.1592% | 3,257 |
| Net loans and leases to core deposits | 78.1999% | 2,534 |
| Total domestic deposits to total assets | 88.1232% | 1,417 |
| Equity capital to assets | 11.6580% | 1,761 |
| Core capital (leverage) ratio | 11.7991% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1633% | 877 |
| Memoranda: | ||
| Average total assets | $1,431,041,000 | 643 |
| Average earning assets | $1,330,148,200 | 634 |
| Average equity | $173,717,600 | 580 |
| Average total loans | $897,719,000 | 715 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,361 |
| Cost of funding earning assets | 0.5865% | 2,697 |
| Net interest margin | 3.6273% | 2,168 |
| Noninterest income to average assets | 0.9583% | 1,104 |
| Noninterest expense to average assets | 2.4959% | 2,868 |
| Loan and lease loss provision to assets | 0.1955% | 2,021 |
| Net operating income to assets | 1.3059% | 1,346 |
| Return on assets (ROA) | 1.3481% | 1,334 |
| Pretax return on assets | 1.6831% | 997 |
| Return on Equity (ROE) | 10.9840% | 1,684 |
| Retained earnings to average equity (ytd only) | 9.3911% | 881 |
| Net charge-offs to loans | 0.0037% | 3,030 |
| Credit loss provision to net charge-offs | 8,200.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 765.7600% | 157 |
| Efficiency ratio | 57.7535% | 3,698 |
| Assets per employee ($millions) | 4.0945% | 4,244 |
| Cash dividends to net income (ytd only)* | 14.5020% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 1,967 |
| Loan loss allowance to noncurrent loans | 1,111.5004% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 2,864 |
| Noncurrent loans to loans | 0.1212% | 3,898 |
| Net loans and leases to total assets | 61.6296% | 3,052 |
| Net loans and leases to deposits | 70.4146% | 3,275 |
| Net loans and leases to core deposits | 83.5378% | 2,521 |
| Total domestic deposits to total assets | 87.5239% | 1,435 |
| Equity capital to assets | 12.0855% | 1,631 |
| Core capital (leverage) ratio | 11.9322% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4428% | 848 |
| Memoranda: | ||
| Average total assets | $1,398,031,750 | 642 |
| Average earning assets | $1,296,338,500 | 636 |
| Average equity | $171,591,250 | 581 |
| Average total loans | $891,100,000 | 714 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 2,198 |
| Cost of funding earning assets | 0.6506% | 2,694 |
| Net interest margin | 3.7534% | 1,980 |
| Noninterest income to average assets | 0.9221% | 1,117 |
| Noninterest expense to average assets | 2.6006% | 2,663 |
| Loan and lease loss provision to assets | 0.2329% | 1,808 |
| Net operating income to assets | 1.2483% | 1,499 |
| Return on assets (ROA) | 1.2928% | 1,485 |
| Pretax return on assets | 1.6217% | 1,174 |
| Return on Equity (ROE) | 10.4757% | 1,819 |
| Retained earnings to average equity (ytd only) | 9.0604% | 988 |
| Net charge-offs to loans | 0.0052% | 2,776 |
| Credit loss provision to net charge-offs | 6,956.5217% | 169 |
| Earnings coverage of net charge-offs (x) | 537.3913% | 194 |
| Efficiency ratio | 59.1094% | 3,539 |
| Assets per employee ($millions) | 5.4545% | 2,687 |
| Cash dividends to net income (ytd only)* | 13.5105% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 2,015 |
| Loan loss allowance to noncurrent loans | 943.2753% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 2,935 |
| Noncurrent loans to loans | 0.1375% | 3,907 |
| Net loans and leases to total assets | 61.3826% | 3,179 |
| Net loans and leases to deposits | 70.0572% | 3,415 |
| Net loans and leases to core deposits | 82.4354% | 2,740 |
| Total domestic deposits to total assets | 87.6179% | 1,370 |
| Equity capital to assets | 11.8395% | 1,764 |
| Core capital (leverage) ratio | 12.0904% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0798% | 892 |
| Memoranda: | ||
| Average total assets | $1,374,071,333 | 638 |
| Average earning assets | $1,273,073,667 | 631 |
| Average equity | $169,573,000 | 587 |
| Average total loans | $882,042,333 | 708 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6497% | 1,857 |
| Cost of funding earning assets | 0.7667% | 2,564 |
| Net interest margin | 3.8830% | 1,724 |
| Noninterest income to average assets | 0.9001% | 1,066 |
| Noninterest expense to average assets | 2.7364% | 2,610 |
| Loan and lease loss provision to assets | 0.0227% | 3,523 |
| Net operating income to assets | 1.3793% | 1,041 |
| Return on assets (ROA) | 1.4320% | 990 |
| Pretax return on assets | 1.7972% | 704 |
| Return on Equity (ROE) | 11.3463% | 1,307 |
| Retained earnings to average equity (ytd only) | 11.3463% | 510 |
| Net charge-offs to loans | 0.0380% | 1,661 |
| Credit loss provision to net charge-offs | 91.4634% | 1,890 |
| Earnings coverage of net charge-offs (x) | 70.6951% | 725 |
| Efficiency ratio | 60.9393% | 3,624 |
| Assets per employee ($millions) | 3.5330% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,792 |
| Loan loss allowance to noncurrent loans | 802.7174% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 2,371 |
| Noncurrent loans to loans | 0.1466% | 3,935 |
| Net loans and leases to total assets | 64.3303% | 3,024 |
| Net loans and leases to deposits | 74.0881% | 3,265 |
| Net loans and leases to core deposits | 89.3249% | 2,413 |
| Total domestic deposits to total assets | 86.8295% | 1,634 |
| Equity capital to assets | 12.6890% | 1,629 |
| Core capital (leverage) ratio | 12.5653% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1211% | 965 |
| Memoranda: | ||
| Average total assets | $1,322,025,500 | 634 |
| Average earning assets | $1,222,351,000 | 624 |
| Average equity | $166,856,000 | 592 |
| Average total loans | $863,434,500 | 700 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 1,488 |
| Cost of funding earning assets | 0.8213% | 2,583 |
| Net interest margin | 4.1774% | 1,360 |
| Noninterest income to average assets | 1.0989% | 792 |
| Noninterest expense to average assets | 2.8529% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6672% | 715 |
| Return on assets (ROA) | 1.6906% | 719 |
| Pretax return on assets | 2.1205% | 455 |
| Return on Equity (ROE) | 13.4475% | 1,034 |
| Retained earnings to average equity (ytd only) | 11.0895% | 325 |
| Net charge-offs to loans | -0.0039% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7028% | 4,012 |
| Assets per employee ($millions) | 3.5080% | 4,475 |
| Cash dividends to net income (ytd only)* | 17.5346% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,322 |
| Loan loss allowance to noncurrent loans | 443.4634% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 2,284 |
| Noncurrent loans to loans | 0.2750% | 3,462 |
| Net loans and leases to total assets | 64.7365% | 3,104 |
| Net loans and leases to deposits | 74.3426% | 3,319 |
| Net loans and leases to core deposits | 90.2461% | 2,401 |
| Total domestic deposits to total assets | 87.0786% | 1,566 |
| Equity capital to assets | 12.5505% | 1,786 |
| Core capital (leverage) ratio | 12.7327% | 1,359 |
| Tier 1 risk-based capital ratio | 18.1997% | 1,714 |
| Total risk-based capital ratio | 19.3605% | 1,692 |
| Memoranda: | ||
| Average total assets | $1,231,250,600 | 645 |
| Average earning assets | $1,133,347,000 | 642 |
| Average equity | $154,794,600 | 606 |
| Average total loans | $812,296,400 | 704 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0429% | 1,436 |
| Cost of funding earning assets | 0.8280% | 2,577 |
| Net interest margin | 4.2149% | 1,344 |
| Noninterest income to average assets | 1.2184% | 614 |
| Noninterest expense to average assets | 2.9260% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7244% | 707 |
| Return on assets (ROA) | 1.7605% | 697 |
| Pretax return on assets | 2.2133% | 445 |
| Return on Equity (ROE) | 13.9968% | 986 |
| Retained earnings to average equity (ytd only) | 12.4270% | 334 |
| Net charge-offs to loans | -0.0168% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4376% | 4,006 |
| Assets per employee ($millions) | 3.5005% | 4,503 |
| Cash dividends to net income (ytd only)* | 11.2157% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,101 |
| Loan loss allowance to noncurrent loans | 448.1497% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 2,337 |
| Noncurrent loans to loans | 0.2841% | 3,520 |
| Net loans and leases to total assets | 64.0981% | 3,277 |
| Net loans and leases to deposits | 73.8790% | 3,486 |
| Net loans and leases to core deposits | 90.1816% | 2,536 |
| Total domestic deposits to total assets | 86.7609% | 1,646 |
| Equity capital to assets | 12.7290% | 1,769 |
| Core capital (leverage) ratio | 12.6424% | 1,510 |
| Tier 1 risk-based capital ratio | 18.8641% | 1,594 |
| Total risk-based capital ratio | 20.0974% | 1,567 |
| Memoranda: | ||
| Average total assets | $1,215,451,750 | 654 |
| Average earning assets | $1,117,682,750 | 653 |
| Average equity | $152,878,250 | 611 |
| Average total loans | $803,289,250 | 715 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0315% | 1,394 |
| Cost of funding earning assets | 0.8076% | 2,605 |
| Net interest margin | 4.2239% | 1,303 |
| Noninterest income to average assets | 1.3715% | 465 |
| Noninterest expense to average assets | 3.0440% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7553% | 653 |
| Return on assets (ROA) | 1.7988% | 623 |
| Pretax return on assets | 2.2628% | 383 |
| Return on Equity (ROE) | 14.3620% | 904 |
| Retained earnings to average equity (ytd only) | 14.3620% | 206 |
| Net charge-offs to loans | -0.0175% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9622% | 4,020 |
| Assets per employee ($millions) | 3.4031% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,064 |
| Loan loss allowance to noncurrent loans | 397.5498% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 2,259 |
| Noncurrent loans to loans | 0.3245% | 3,370 |
| Net loans and leases to total assets | 63.4519% | 3,402 |
| Net loans and leases to deposits | 72.9991% | 3,598 |
| Net loans and leases to core deposits | 89.4089% | 2,646 |
| Total domestic deposits to total assets | 86.9214% | 1,634 |
| Equity capital to assets | 12.5202% | 1,847 |
| Core capital (leverage) ratio | 12.8987% | 1,357 |
| Tier 1 risk-based capital ratio | 18.5746% | 1,648 |
| Total risk-based capital ratio | 19.8121% | 1,616 |
| Memoranda: | ||
| Average total assets | $1,200,545,000 | 664 |
| Average earning assets | $1,102,810,330 | 659 |
| Average equity | $150,368,670 | 617 |
| Average total loans | $798,332,000 | 720 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0564% | 1,200 |
| Cost of funding earning assets | 0.7778% | 2,646 |
| Net interest margin | 4.2786% | 1,135 |
| Noninterest income to average assets | 1.7622% | 297 |
| Noninterest expense to average assets | 3.0395% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1013% | 322 |
| Return on assets (ROA) | 2.1470% | 307 |
| Pretax return on assets | 2.7048% | 182 |
| Return on Equity (ROE) | 17.1383% | 472 |
| Retained earnings to average equity (ytd only) | 17.1383% | 177 |
| Net charge-offs to loans | -0.0317% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4523% | 4,583 |
| Assets per employee ($millions) | 3.3293% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 2,050 |
| Loan loss allowance to noncurrent loans | 281.6504% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.8118% | 1,745 |
| Noncurrent loans to loans | 0.4646% | 2,920 |
| Net loans and leases to total assets | 65.2868% | 3,134 |
| Net loans and leases to deposits | 75.2165% | 3,331 |
| Net loans and leases to core deposits | 92.6777% | 2,241 |
| Total domestic deposits to total assets | 86.7985% | 1,913 |
| Equity capital to assets | 12.5944% | 1,685 |
| Core capital (leverage) ratio | 12.8574% | 1,337 |
| Tier 1 risk-based capital ratio | 18.3815% | 1,695 |
| Total risk-based capital ratio | 19.6316% | 1,634 |
| Memoranda: | ||
| Average total assets | $1,174,651,500 | 679 |
| Average earning assets | $1,077,373,000 | 675 |
| Average equity | $147,155,500 | 623 |
| Average total loans | $794,992,000 | 722 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8206% | 1,499 |
| Cost of funding earning assets | 0.5921% | 2,782 |
| Net interest margin | 4.2285% | 1,331 |
| Noninterest income to average assets | 1.1004% | 766 |
| Noninterest expense to average assets | 2.9278% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6006% | 866 |
| Return on assets (ROA) | 1.6006% | 853 |
| Pretax return on assets | 2.0377% | 515 |
| Return on Equity (ROE) | 13.4584% | 1,188 |
| Retained earnings to average equity (ytd only) | 10.9590% | 449 |
| Net charge-offs to loans | -0.0369% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9626% | 4,023 |
| Assets per employee ($millions) | 3.3355% | 4,714 |
| Cash dividends to net income (ytd only)* | 18.5711% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 2,066 |
| Loan loss allowance to noncurrent loans | 246.4516% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 1,630 |
| Noncurrent loans to loans | 0.5250% | 2,697 |
| Net loans and leases to total assets | 68.3726% | 2,828 |
| Net loans and leases to deposits | 78.4534% | 3,115 |
| Net loans and leases to core deposits | 96.9763% | 1,969 |
| Total domestic deposits to total assets | 87.1505% | 1,704 |
| Equity capital to assets | 12.4580% | 1,597 |
| Core capital (leverage) ratio | 12.5397% | 1,435 |
| Tier 1 risk-based capital ratio | 17.8860% | 1,789 |
| Total risk-based capital ratio | 19.1363% | 1,747 |
| Memoranda: | ||
| Average total assets | $1,143,832,000 | 671 |
| Average earning assets | $1,045,519,200 | 673 |
| Average equity | $136,033,800 | 638 |
| Average total loans | $800,494,200 | 698 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 1,643 |
| Cost of funding earning assets | 0.5549% | 2,834 |
| Net interest margin | 4.1550% | 1,484 |
| Noninterest income to average assets | 1.1202% | 746 |
| Noninterest expense to average assets | 2.8704% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6267% | 903 |
| Return on assets (ROA) | 1.6267% | 908 |
| Pretax return on assets | 2.0456% | 558 |
| Return on Equity (ROE) | 13.8434% | 1,163 |
| Retained earnings to average equity (ytd only) | 12.0551% | 475 |
| Net charge-offs to loans | -0.0383% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3885% | 4,060 |
| Assets per employee ($millions) | 3.2927% | 4,777 |
| Cash dividends to net income (ytd only)* | 12.9180% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 2,201 |
| Loan loss allowance to noncurrent loans | 219.6785% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 1,564 |
| Noncurrent loans to loans | 0.5824% | 2,632 |
| Net loans and leases to total assets | 68.6171% | 2,848 |
| Net loans and leases to deposits | 78.5544% | 3,181 |
| Net loans and leases to core deposits | 96.5301% | 2,062 |
| Total domestic deposits to total assets | 87.3498% | 1,574 |
| Equity capital to assets | 12.1129% | 1,830 |
| Core capital (leverage) ratio | 12.3420% | 1,584 |
| Tier 1 risk-based capital ratio | 17.4161% | 1,961 |
| Total risk-based capital ratio | 18.6662% | 1,911 |
| Memoranda: | ||
| Average total assets | $1,142,105,250 | 669 |
| Average earning assets | $1,043,376,250 | 675 |
| Average equity | $134,202,500 | 640 |
| Average total loans | $801,341,750 | 696 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 1,719 |
| Cost of funding earning assets | 0.5205% | 2,835 |
| Net interest margin | 4.1013% | 1,555 |
| Noninterest income to average assets | 1.1269% | 756 |
| Noninterest expense to average assets | 2.8894% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5769% | 969 |
| Return on assets (ROA) | 1.5769% | 973 |
| Pretax return on assets | 1.9829% | 627 |
| Return on Equity (ROE) | 13.5614% | 1,191 |
| Retained earnings to average equity (ytd only) | 10.8425% | 701 |
| Net charge-offs to loans | -0.0327% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3028% | 4,042 |
| Assets per employee ($millions) | 3.4017% | 4,712 |
| Cash dividends to net income (ytd only)* | 20.0490% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,331 |
| Loan loss allowance to noncurrent loans | 185.9472% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 1.0662% | 1,393 |
| Noncurrent loans to loans | 0.6821% | 2,402 |
| Net loans and leases to total assets | 69.1206% | 2,703 |
| Net loans and leases to deposits | 78.8353% | 3,070 |
| Net loans and leases to core deposits | 95.8723% | 2,070 |
| Total domestic deposits to total assets | 87.6772% | 1,550 |
| Equity capital to assets | 11.8322% | 1,969 |
| Core capital (leverage) ratio | 11.9615% | 1,739 |
| Tier 1 risk-based capital ratio | 17.0058% | 2,093 |
| Total risk-based capital ratio | 18.2559% | 2,043 |
| Memoranda: | ||
| Average total assets | $1,138,656,330 | 672 |
| Average earning assets | $1,039,828,330 | 679 |
| Average equity | $132,405,000 | 647 |
| Average total loans | $801,446,670 | 693 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 1,836 |
| Cost of funding earning assets | 0.4889% | 2,877 |
| Net interest margin | 4.0217% | 1,654 |
| Noninterest income to average assets | 1.1347% | 725 |
| Noninterest expense to average assets | 2.8298% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5736% | 910 |
| Return on assets (ROA) | 1.5736% | 920 |
| Pretax return on assets | 1.9787% | 595 |
| Return on Equity (ROE) | 13.6532% | 1,100 |
| Retained earnings to average equity (ytd only) | 13.6532% | 441 |
| Net charge-offs to loans | -0.0160% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8494% | 4,240 |
| Assets per employee ($millions) | 3.4539% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,506 |
| Loan loss allowance to noncurrent loans | 178.2092% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 1.1107% | 1,394 |
| Noncurrent loans to loans | 0.7028% | 2,453 |
| Net loans and leases to total assets | 68.6944% | 2,672 |
| Net loans and leases to deposits | 78.1076% | 3,008 |
| Net loans and leases to core deposits | 95.2892% | 2,033 |
| Total domestic deposits to total assets | 87.9484% | 1,645 |
| Equity capital to assets | 11.4992% | 2,136 |
| Core capital (leverage) ratio | 11.8911% | 1,721 |
| Tier 1 risk-based capital ratio | 16.4409% | 2,296 |
| Total risk-based capital ratio | 17.6686% | 2,252 |
| Memoranda: | ||
| Average total assets | $1,136,493,000 | 677 |
| Average earning assets | $1,038,174,000 | 677 |
| Average equity | $130,987,500 | 653 |
| Average total loans | $802,077,000 | 687 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3762% | 2,094 |
| Cost of funding earning assets | 0.4142% | 3,107 |
| Net interest margin | 3.9620% | 1,876 |
| Noninterest income to average assets | 0.8984% | 1,273 |
| Noninterest expense to average assets | 2.7853% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1090% | 1,831 |
| Return on assets (ROA) | 1.1106% | 1,846 |
| Pretax return on assets | 1.7326% | 933 |
| Return on Equity (ROE) | 10.0152% | 1,878 |
| Retained earnings to average equity (ytd only) | 7.9331% | 793 |
| Net charge-offs to loans | -0.0444% | 5,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6843% | 3,987 |
| Assets per employee ($millions) | 3.3315% | 4,909 |
| Cash dividends to net income (ytd only)* | 20.7900% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,471 |
| Loan loss allowance to noncurrent loans | 279.0808% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.0943% | 1,391 |
| Noncurrent loans to loans | 0.4478% | 3,171 |
| Net loans and leases to total assets | 70.7196% | 2,414 |
| Net loans and leases to deposits | 80.3399% | 2,875 |
| Net loans and leases to core deposits | 97.5850% | 1,893 |
| Total domestic deposits to total assets | 88.0255% | 1,487 |
| Equity capital to assets | 11.5528% | 2,155 |
| Core capital (leverage) ratio | 11.6163% | 1,857 |
| Tier 1 risk-based capital ratio | 15.8122% | 2,505 |
| Total risk-based capital ratio | 17.0280% | 2,463 |
| Memoranda: | ||
| Average total assets | $1,126,062,800 | 654 |
| Average earning assets | $1,027,991,200 | 661 |
| Average equity | $124,870,000 | 658 |
| Average total loans | $754,545,600 | 695 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2936% | 2,279 |
| Cost of funding earning assets | 0.4038% | 3,150 |
| Net interest margin | 3.8899% | 2,074 |
| Noninterest income to average assets | 0.8953% | 1,284 |
| Noninterest expense to average assets | 2.7298% | 2,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1494% | 1,882 |
| Return on assets (ROA) | 1.1517% | 1,925 |
| Pretax return on assets | 1.7215% | 1,069 |
| Return on Equity (ROE) | 10.4944% | 1,906 |
| Retained earnings to average equity (ytd only) | 8.7707% | 923 |
| Net charge-offs to loans | -0.0447% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3710% | 3,981 |
| Assets per employee ($millions) | 3.4311% | 4,829 |
| Cash dividends to net income (ytd only)* | 16.4254% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,575 |
| Loan loss allowance to noncurrent loans | 232.0794% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 1.0100% | 1,678 |
| Noncurrent loans to loans | 0.5432% | 3,076 |
| Net loans and leases to total assets | 68.7073% | 2,738 |
| Net loans and leases to deposits | 77.9862% | 3,162 |
| Net loans and leases to core deposits | 94.1295% | 2,267 |
| Total domestic deposits to total assets | 88.1019% | 1,311 |
| Equity capital to assets | 11.3338% | 2,541 |
| Core capital (leverage) ratio | 11.3766% | 2,121 |
| Tier 1 risk-based capital ratio | 15.6607% | 2,649 |
| Total risk-based capital ratio | 16.8715% | 2,606 |
| Memoranda: | ||
| Average total assets | $1,127,734,250 | 659 |
| Average earning assets | $1,029,962,250 | 661 |
| Average equity | $123,757,750 | 665 |
| Average total loans | $742,772,500 | 703 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 2,566 |
| Cost of funding earning assets | 0.4018% | 3,055 |
| Net interest margin | 3.7726% | 2,392 |
| Noninterest income to average assets | 0.8936% | 1,288 |
| Noninterest expense to average assets | 2.7181% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0876% | 2,043 |
| Return on assets (ROA) | 1.0879% | 2,095 |
| Pretax return on assets | 1.6221% | 1,273 |
| Return on Equity (ROE) | 10.0234% | 2,029 |
| Retained earnings to average equity (ytd only) | 8.2236% | 1,078 |
| Net charge-offs to loans | -0.0484% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6320% | 3,880 |
| Assets per employee ($millions) | 3.4311% | 4,822 |
| Cash dividends to net income (ytd only)* | 17.9563% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,380 |
| Loan loss allowance to noncurrent loans | 317.1116% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 1,926 |
| Noncurrent loans to loans | 0.4118% | 3,549 |
| Net loans and leases to total assets | 65.8086% | 3,134 |
| Net loans and leases to deposits | 74.4435% | 3,498 |
| Net loans and leases to core deposits | 89.3214% | 2,586 |
| Total domestic deposits to total assets | 88.4008% | 1,257 |
| Equity capital to assets | 11.0739% | 2,730 |
| Core capital (leverage) ratio | 11.0408% | 2,365 |
| Tier 1 risk-based capital ratio | 15.8538% | 2,564 |
| Total risk-based capital ratio | 17.1004% | 2,504 |
| Memoranda: | ||
| Average total assets | $1,126,221,330 | 663 |
| Average earning assets | $1,028,788,330 | 664 |
| Average equity | $122,233,670 | 676 |
| Average total loans | $727,734,330 | 725 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 2,873 |
| Cost of funding earning assets | 0.4023% | 2,972 |
| Net interest margin | 3.6438% | 2,721 |
| Noninterest income to average assets | 0.8917% | 1,268 |
| Noninterest expense to average assets | 2.6976% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0221% | 2,218 |
| Return on assets (ROA) | 1.0221% | 2,271 |
| Pretax return on assets | 1.5224% | 1,464 |
| Return on Equity (ROE) | 9.5145% | 2,180 |
| Retained earnings to average equity (ytd only) | 5.8678% | 2,400 |
| Net charge-offs to loans | -0.0543% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9241% | 3,852 |
| Assets per employee ($millions) | 3.4942% | 4,792 |
| Cash dividends to net income (ytd only)* | 38.3275% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 2,241 |
| Loan loss allowance to noncurrent loans | 305.5295% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.9677% | 1,895 |
| Noncurrent loans to loans | 0.4463% | 3,495 |
| Net loans and leases to total assets | 62.2915% | 3,492 |
| Net loans and leases to deposits | 70.2599% | 3,767 |
| Net loans and leases to core deposits | 84.4383% | 2,859 |
| Total domestic deposits to total assets | 88.6587% | 1,341 |
| Equity capital to assets | 10.7168% | 2,944 |
| Core capital (leverage) ratio | 10.8871% | 2,494 |
| Tier 1 risk-based capital ratio | 16.1042% | 2,506 |
| Total risk-based capital ratio | 17.3547% | 2,459 |
| Memoranda: | ||
| Average total assets | $1,123,204,000 | 669 |
| Average earning assets | $1,025,975,000 | 673 |
| Average equity | $120,658,000 | 682 |
| Average total loans | $714,111,000 | 739 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0876% | 2,905 |
| Cost of funding earning assets | 0.4216% | 2,796 |
| Net interest margin | 3.6660% | 2,835 |
| Noninterest income to average assets | 1.1495% | 862 |
| Noninterest expense to average assets | 2.7691% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1481% | 1,703 |
| Return on assets (ROA) | 1.1481% | 1,791 |
| Pretax return on assets | 1.7141% | 967 |
| Return on Equity (ROE) | 10.1666% | 1,892 |
| Retained earnings to average equity (ytd only) | 8.0152% | 851 |
| Net charge-offs to loans | 0.0120% | 3,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 220.4750% | 317 |
| Efficiency ratio | 61.7662% | 4,297 |
| Assets per employee ($millions) | 3.5041% | 4,756 |
| Cash dividends to net income (ytd only)* | 21.1613% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 2,256 |
| Loan loss allowance to noncurrent loans | 187.5823% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0419% | 1,815 |
| Noncurrent loans to loans | 0.7260% | 2,719 |
| Net loans and leases to total assets | 63.1411% | 3,457 |
| Net loans and leases to deposits | 71.3495% | 3,775 |
| Net loans and leases to core deposits | 86.3789% | 2,823 |
| Total domestic deposits to total assets | 88.4956% | 1,380 |
| Equity capital to assets | 10.7684% | 2,850 |
| Core capital (leverage) ratio | 11.2891% | 2,093 |
| Tier 1 risk-based capital ratio | 16.3297% | 2,415 |
| Total risk-based capital ratio | 17.5805% | 2,351 |
| Memoranda: | ||
| Average total assets | $1,028,984,600 | 700 |
| Average earning assets | $935,724,400 | 706 |
| Average equity | $116,203,600 | 689 |
| Average total loans | $665,730,200 | 746 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 2,662 |
| Cost of funding earning assets | 0.4294% | 2,742 |
| Net interest margin | 3.7265% | 2,610 |
| Noninterest income to average assets | 1.1539% | 857 |
| Noninterest expense to average assets | 2.7908% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1749% | 1,717 |
| Return on assets (ROA) | 1.1749% | 1,826 |
| Pretax return on assets | 1.7473% | 1,008 |
| Return on Equity (ROE) | 10.2722% | 1,941 |
| Retained earnings to average equity (ytd only) | 9.6943% | 640 |
| Net charge-offs to loans | 0.0210% | 3,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 128.3203% | 535 |
| Efficiency ratio | 61.4968% | 4,313 |
| Assets per employee ($millions) | 3.5138% | 4,759 |
| Cash dividends to net income (ytd only)* | 5.6262% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 2,076 |
| Loan loss allowance to noncurrent loans | 289.5683% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 1.0446% | 1,973 |
| Noncurrent loans to loans | 0.4929% | 3,525 |
| Net loans and leases to total assets | 64.3663% | 3,350 |
| Net loans and leases to deposits | 73.3491% | 3,658 |
| Net loans and leases to core deposits | 89.4347% | 2,633 |
| Total domestic deposits to total assets | 87.7534% | 1,528 |
| Equity capital to assets | 11.5811% | 2,452 |
| Core capital (leverage) ratio | 11.6542% | 1,923 |
| Tier 1 risk-based capital ratio | 17.1477% | 2,184 |
| Total risk-based capital ratio | 18.4116% | 2,138 |
| Memoranda: | ||
| Average total assets | $1,008,529,500 | 715 |
| Average earning assets | $915,913,750 | 724 |
| Average equity | $115,350,500 | 697 |
| Average total loans | $654,398,250 | 759 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 2,631 |
| Cost of funding earning assets | 0.4389% | 2,663 |
| Net interest margin | 3.7229% | 2,607 |
| Noninterest income to average assets | 0.9109% | 1,344 |
| Noninterest expense to average assets | 2.7116% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0593% | 2,131 |
| Return on assets (ROA) | 1.0593% | 2,255 |
| Pretax return on assets | 1.5743% | 1,445 |
| Return on Equity (ROE) | 9.3017% | 2,364 |
| Retained earnings to average equity (ytd only) | 8.4229% | 1,037 |
| Net charge-offs to loans | 0.0247% | 2,990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 98.3125% | 591 |
| Efficiency ratio | 63.2683% | 4,144 |
| Assets per employee ($millions) | 3.3700% | 4,973 |
| Cash dividends to net income (ytd only)* | 9.4482% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,842 |
| Loan loss allowance to noncurrent loans | 125.8350% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.6370% | 1,110 |
| Noncurrent loans to loans | 1.1953% | 1,924 |
| Net loans and leases to total assets | 62.3016% | 3,588 |
| Net loans and leases to deposits | 70.8250% | 3,908 |
| Net loans and leases to core deposits | 85.6768% | 2,934 |
| Total domestic deposits to total assets | 87.9656% | 1,450 |
| Equity capital to assets | 11.4519% | 2,598 |
| Core capital (leverage) ratio | 11.4094% | 2,057 |
| Tier 1 risk-based capital ratio | 17.1435% | 2,168 |
| Total risk-based capital ratio | 18.4133% | 2,124 |
| Memoranda: | ||
| Average total assets | $999,185,330 | 724 |
| Average earning assets | $905,800,000 | 735 |
| Average equity | $113,785,670 | 711 |
| Average total loans | $646,912,000 | 768 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2281% | 2,380 |
| Cost of funding earning assets | 0.4466% | 2,621 |
| Net interest margin | 3.7816% | 2,369 |
| Noninterest income to average assets | 0.9274% | 1,241 |
| Noninterest expense to average assets | 2.7457% | 3,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0785% | 1,988 |
| Return on assets (ROA) | 1.0785% | 2,096 |
| Pretax return on assets | 1.6034% | 1,281 |
| Return on Equity (ROE) | 9.4979% | 2,201 |
| Retained earnings to average equity (ytd only) | 7.7186% | 1,586 |
| Net charge-offs to loans | 0.0278% | 2,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 88.1778% | 590 |
| Efficiency ratio | 63.1330% | 4,283 |
| Assets per employee ($millions) | 3.4521% | 4,882 |
| Cash dividends to net income (ytd only)* | 18.7336% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,974 |
| Loan loss allowance to noncurrent loans | 120.0173% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.8785% | 960 |
| Noncurrent loans to loans | 1.2522% | 1,930 |
| Net loans and leases to total assets | 63.4105% | 3,329 |
| Net loans and leases to deposits | 72.0497% | 3,648 |
| Net loans and leases to core deposits | 87.1898% | 2,642 |
| Total domestic deposits to total assets | 88.0095% | 1,634 |
| Equity capital to assets | 11.3109% | 2,612 |
| Core capital (leverage) ratio | 11.4138% | 2,038 |
| Tier 1 risk-based capital ratio | 16.9739% | 2,298 |
| Total risk-based capital ratio | 18.2349% | 2,246 |
| Memoranda: | ||
| Average total assets | $989,912,500 | 734 |
| Average earning assets | $895,715,000 | 740 |
| Average equity | $112,403,500 | 717 |
| Average total loans | $648,495,000 | 761 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 2,728 |
| Cost of funding earning assets | 0.4452% | 2,678 |
| Net interest margin | 3.7082% | 2,722 |
| Noninterest income to average assets | 0.9993% | 1,183 |
| Noninterest expense to average assets | 2.8290% | 3,112 |
| Loan and lease loss provision to assets | -0.0783% | 5,809 |
| Net operating income to assets | 1.0623% | 2,076 |
| Return on assets (ROA) | 1.0623% | 2,155 |
| Pretax return on assets | 1.5755% | 1,327 |
| Return on Equity (ROE) | 9.3791% | 2,279 |
| Retained earnings to average equity (ytd only) | 5.6902% | 1,960 |
| Net charge-offs to loans | 0.0186% | 3,904 |
| Credit loss provision to net charge-offs | -657.8947% | 5,497 |
| Earnings coverage of net charge-offs (x) | 125.7281% | 483 |
| Efficiency ratio | 65.3926% | 4,008 |
| Assets per employee ($millions) | 3.3515% | 5,065 |
| Cash dividends to net income (ytd only)* | 39.3314% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 1,997 |
| Loan loss allowance to noncurrent loans | 117.3438% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 2.0563% | 845 |
| Noncurrent loans to loans | 1.2794% | 1,840 |
| Net loans and leases to total assets | 65.6756% | 3,031 |
| Net loans and leases to deposits | 74.6243% | 3,419 |
| Net loans and leases to core deposits | 91.3447% | 2,290 |
| Total domestic deposits to total assets | 88.0083% | 1,624 |
| Equity capital to assets | 11.4002% | 2,446 |
| Core capital (leverage) ratio | 11.2789% | 2,135 |
| Tier 1 risk-based capital ratio | 16.3779% | 2,537 |
| Total risk-based capital ratio | 17.6324% | 2,494 |
| Memoranda: | ||
| Average total assets | $957,340,200 | 721 |
| Average earning assets | $858,880,400 | 738 |
| Average equity | $108,432,800 | 711 |
| Average total loans | $611,918,800 | 760 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 2,949 |
| Cost of funding earning assets | 0.4474% | 2,715 |
| Net interest margin | 3.6502% | 2,959 |
| Noninterest income to average assets | 1.0182% | 1,146 |
| Noninterest expense to average assets | 2.8246% | 3,091 |
| Loan and lease loss provision to assets | -0.1049% | 6,006 |
| Net operating income to assets | 1.0590% | 2,178 |
| Return on assets (ROA) | 1.0590% | 2,273 |
| Pretax return on assets | 1.5704% | 1,474 |
| Return on Equity (ROE) | 9.3651% | 2,377 |
| Retained earnings to average equity (ytd only) | 4.4152% | 3,325 |
| Net charge-offs to loans | 0.0104% | 3,810 |
| Credit loss provision to net charge-offs | -1,595.7447% | 5,559 |
| Earnings coverage of net charge-offs (x) | 222.8124% | 324 |
| Efficiency ratio | 65.8404% | 3,915 |
| Assets per employee ($millions) | 3.4762% | 4,838 |
| Cash dividends to net income (ytd only)* | 52.8541% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 2,020 |
| Loan loss allowance to noncurrent loans | 94.3197% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 2.4883% | 701 |
| Noncurrent loans to loans | 1.6262% | 1,519 |
| Net loans and leases to total assets | 64.1473% | 3,288 |
| Net loans and leases to deposits | 72.7350% | 3,680 |
| Net loans and leases to core deposits | 89.0276% | 2,558 |
| Total domestic deposits to total assets | 88.1932% | 1,457 |
| Equity capital to assets | 11.0578% | 2,955 |
| Core capital (leverage) ratio | 11.0507% | 2,433 |
| Tier 1 risk-based capital ratio | 15.8367% | 2,877 |
| Total risk-based capital ratio | 17.0966% | 2,808 |
| Memoranda: | ||
| Average total assets | $952,856,750 | 729 |
| Average earning assets | $854,063,250 | 748 |
| Average equity | $107,745,250 | 726 |
| Average total loans | $602,328,500 | 780 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 3,186 |
| Cost of funding earning assets | 0.4503% | 2,726 |
| Net interest margin | 3.5739% | 3,194 |
| Noninterest income to average assets | 0.8757% | 1,524 |
| Noninterest expense to average assets | 2.8041% | 3,221 |
| Loan and lease loss provision to assets | -0.1591% | 6,146 |
| Net operating income to assets | 0.9665% | 2,555 |
| Return on assets (ROA) | 0.9665% | 2,663 |
| Pretax return on assets | 1.4304% | 1,861 |
| Return on Equity (ROE) | 8.4824% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.4824% | 1,080 |
| Net charge-offs to loans | 0.0278% | 3,110 |
| Credit loss provision to net charge-offs | -914.6341% | 5,342 |
| Earnings coverage of net charge-offs (x) | 73.0610% | 756 |
| Efficiency ratio | 68.8066% | 3,532 |
| Assets per employee ($millions) | 3.4424% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 1,964 |
| Loan loss allowance to noncurrent loans | 92.2143% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 2.5351% | 737 |
| Noncurrent loans to loans | 1.7147% | 1,504 |
| Net loans and leases to total assets | 62.1422% | 3,526 |
| Net loans and leases to deposits | 70.5931% | 3,865 |
| Net loans and leases to core deposits | 85.7356% | 2,791 |
| Total domestic deposits to total assets | 88.0287% | 1,642 |
| Equity capital to assets | 11.1683% | 2,699 |
| Core capital (leverage) ratio | 11.5092% | 1,985 |
| Tier 1 risk-based capital ratio | 16.5276% | 2,595 |
| Total risk-based capital ratio | 17.7832% | 2,548 |
| Memoranda: | ||
| Average total assets | $942,551,330 | 740 |
| Average earning assets | $843,832,670 | 762 |
| Average equity | $107,399,000 | 724 |
| Average total loans | $589,473,330 | 797 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0686% | 2,960 |
| Cost of funding earning assets | 0.4592% | 2,687 |
| Net interest margin | 3.6095% | 2,968 |
| Noninterest income to average assets | 0.8695% | 1,498 |
| Noninterest expense to average assets | 2.7445% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9137% | 2,684 |
| Return on assets (ROA) | 0.9137% | 2,807 |
| Pretax return on assets | 1.3500% | 2,074 |
| Return on Equity (ROE) | 7.9350% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.9350% | 1,591 |
| Net charge-offs to loans | -0.0341% | 5,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0299% | 3,985 |
| Assets per employee ($millions) | 3.3536% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 1,460 |
| Loan loss allowance to noncurrent loans | 95.2874% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 3.0060% | 629 |
| Noncurrent loans to loans | 1.9068% | 1,410 |
| Net loans and leases to total assets | 61.6583% | 3,426 |
| Net loans and leases to deposits | 70.4296% | 3,703 |
| Net loans and leases to core deposits | 85.9364% | 2,556 |
| Total domestic deposits to total assets | 87.5460% | 2,077 |
| Equity capital to assets | 11.4879% | 2,472 |
| Core capital (leverage) ratio | 11.6258% | 1,907 |
| Tier 1 risk-based capital ratio | 16.8084% | 2,554 |
| Total risk-based capital ratio | 18.0748% | 2,503 |
| Memoranda: | ||
| Average total assets | $923,286,000 | 757 |
| Average earning assets | $824,944,000 | 775 |
| Average equity | $106,313,500 | 726 |
| Average total loans | $574,479,500 | 814 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 2,743 |
| Cost of funding earning assets | 0.4400% | 3,270 |
| Net interest margin | 3.8194% | 2,552 |
| Noninterest income to average assets | 0.7883% | 1,915 |
| Noninterest expense to average assets | 2.8845% | 3,194 |
| Loan and lease loss provision to assets | -0.1176% | 6,176 |
| Net operating income to assets | 0.9283% | 2,735 |
| Return on assets (ROA) | 0.9283% | 2,824 |
| Pretax return on assets | 1.4191% | 1,819 |
| Return on Equity (ROE) | 7.7740% | 3,237 |
| Retained earnings to average equity (ytd only) | 6.5927% | 1,601 |
| Net charge-offs to loans | -0.1125% | 6,140 |
| Credit loss provision to net charge-offs | 171.2329% | 1,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9076% | 3,732 |
| Assets per employee ($millions) | 3.3490% | 5,175 |
| Cash dividends to net income (ytd only)* | 15.1956% | 3,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 1,334 |
| Loan loss allowance to noncurrent loans | 159.8045% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 2.5255% | 909 |
| Noncurrent loans to loans | 1.1846% | 2,470 |
| Net loans and leases to total assets | 60.4608% | 3,727 |
| Net loans and leases to deposits | 68.8552% | 4,042 |
| Net loans and leases to core deposits | 84.2645% | 2,868 |
| Total domestic deposits to total assets | 87.8086% | 1,867 |
| Equity capital to assets | 11.5422% | 2,397 |
| Core capital (leverage) ratio | 11.4189% | 2,046 |
| Tier 1 risk-based capital ratio | 17.5073% | 2,314 |
| Total risk-based capital ratio | 18.7689% | 2,278 |
| Memoranda: | ||
| Average total assets | $850,685,400 | 791 |
| Average earning assets | $756,777,800 | 811 |
| Average equity | $101,582,400 | 719 |
| Average total loans | $518,958,600 | 857 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 2,923 |
| Cost of funding earning assets | 0.4252% | 3,520 |
| Net interest margin | 3.7945% | 2,640 |
| Noninterest income to average assets | 0.7305% | 2,184 |
| Noninterest expense to average assets | 2.8992% | 3,121 |
| Loan and lease loss provision to assets | -0.1596% | 6,355 |
| Net operating income to assets | 0.8873% | 2,971 |
| Return on assets (ROA) | 0.8873% | 3,076 |
| Pretax return on assets | 1.3625% | 2,150 |
| Return on Equity (ROE) | 7.3635% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.7676% | 1,946 |
| Net charge-offs to loans | -0.1500% | 6,241 |
| Credit loss provision to net charge-offs | 174.8252% | 1,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6756% | 3,391 |
| Assets per employee ($millions) | 3.4283% | 5,002 |
| Cash dividends to net income (ytd only)* | 8.0921% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0070% | 1,246 |
| Loan loss allowance to noncurrent loans | 134.0998% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 2.9824% | 795 |
| Noncurrent loans to loans | 1.4967% | 2,170 |
| Net loans and leases to total assets | 56.6160% | 4,252 |
| Net loans and leases to deposits | 64.3403% | 4,500 |
| Net loans and leases to core deposits | 79.2444% | 3,402 |
| Total domestic deposits to total assets | 87.9946% | 1,774 |
| Equity capital to assets | 11.3006% | 2,656 |
| Core capital (leverage) ratio | 11.9427% | 1,729 |
| Tier 1 risk-based capital ratio | 18.1241% | 2,172 |
| Total risk-based capital ratio | 19.3818% | 2,128 |
| Memoranda: | ||
| Average total assets | $835,626,000 | 813 |
| Average earning assets | $742,503,750 | 831 |
| Average equity | $100,692,750 | 728 |
| Average total loans | $508,353,750 | 880 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 2,677 |
| Cost of funding earning assets | 0.4255% | 3,597 |
| Net interest margin | 3.8512% | 2,373 |
| Noninterest income to average assets | 0.8412% | 1,699 |
| Noninterest expense to average assets | 2.9269% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8536% | 3,053 |
| Return on assets (ROA) | 0.8536% | 3,154 |
| Pretax return on assets | 1.3131% | 2,208 |
| Return on Equity (ROE) | 6.9214% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.0194% | 2,310 |
| Net charge-offs to loans | -0.1547% | 6,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0299% | 3,833 |
| Assets per employee ($millions) | 3.0753% | 5,637 |
| Cash dividends to net income (ytd only)* | 13.0321% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2458% | 963 |
| Loan loss allowance to noncurrent loans | 140.5558% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 3.8115% | 587 |
| Noncurrent loans to loans | 1.5978% | 2,176 |
| Net loans and leases to total assets | 61.2800% | 3,527 |
| Net loans and leases to deposits | 70.5721% | 3,743 |
| Net loans and leases to core deposits | 88.6481% | 2,242 |
| Total domestic deposits to total assets | 86.8332% | 2,557 |
| Equity capital to assets | 12.4906% | 1,651 |
| Core capital (leverage) ratio | 12.4824% | 1,406 |
| Tier 1 risk-based capital ratio | 18.9054% | 1,945 |
| Total risk-based capital ratio | 20.1664% | 1,907 |
| Memoranda: | ||
| Average total assets | $809,052,330 | 839 |
| Average earning assets | $714,007,000 | 860 |
| Average equity | $99,777,000 | 729 |
| Average total loans | $501,522,670 | 888 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 3,081 |
| Cost of funding earning assets | 0.4294% | 3,656 |
| Net interest margin | 3.7196% | 2,788 |
| Noninterest income to average assets | 0.7568% | 1,925 |
| Noninterest expense to average assets | 2.8434% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7692% | 3,314 |
| Return on assets (ROA) | 0.7692% | 3,399 |
| Pretax return on assets | 1.1827% | 2,561 |
| Return on Equity (ROE) | 6.2773% | 3,867 |
| Retained earnings to average equity (ytd only) | 6.2773% | 2,393 |
| Net charge-offs to loans | -0.2298% | 6,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6237% | 3,717 |
| Assets per employee ($millions) | 3.1745% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2563% | 1,093 |
| Loan loss allowance to noncurrent loans | 118.3185% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 4.2006% | 543 |
| Noncurrent loans to loans | 1.9070% | 1,983 |
| Net loans and leases to total assets | 60.3914% | 3,491 |
| Net loans and leases to deposits | 69.4961% | 3,659 |
| Net loans and leases to core deposits | 87.0759% | 2,186 |
| Total domestic deposits to total assets | 86.8989% | 2,870 |
| Equity capital to assets | 12.2763% | 1,703 |
| Core capital (leverage) ratio | 12.4101% | 1,429 |
| Tier 1 risk-based capital ratio | 19.0412% | 1,953 |
| Total risk-based capital ratio | 20.3026% | 1,917 |
| Memoranda: | ||
| Average total assets | $807,634,500 | 851 |
| Average earning assets | $709,861,000 | 872 |
| Average equity | $98,960,500 | 734 |
| Average total loans | $497,806,500 | 893 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 2,098 |
| Cost of funding earning assets | 0.5366% | 3,231 |
| Net interest margin | 3.9923% | 1,965 |
| Noninterest income to average assets | 0.8887% | 1,718 |
| Noninterest expense to average assets | 3.0087% | 3,029 |
| Loan and lease loss provision to assets | -0.0853% | 6,461 |
| Net operating income to assets | 0.9655% | 2,487 |
| Return on assets (ROA) | 0.9655% | 2,556 |
| Pretax return on assets | 1.4779% | 1,519 |
| Return on Equity (ROE) | 8.2677% | 2,898 |
| Retained earnings to average equity (ytd only) | 6.1817% | 1,865 |
| Net charge-offs to loans | -0.1787% | 6,597 |
| Credit loss provision to net charge-offs | 79.7267% | 3,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3373% | 4,136 |
| Assets per employee ($millions) | 3.1230% | 5,631 |
| Cash dividends to net income (ytd only)* | 25.2302% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2375% | 1,129 |
| Loan loss allowance to noncurrent loans | 95.7759% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 4.5202% | 554 |
| Noncurrent loans to loans | 2.3361% | 1,642 |
| Net loans and leases to total assets | 60.1121% | 3,695 |
| Net loans and leases to deposits | 69.1212% | 3,895 |
| Net loans and leases to core deposits | 87.5683% | 2,285 |
| Total domestic deposits to total assets | 86.9663% | 2,742 |
| Equity capital to assets | 12.2297% | 1,664 |
| Core capital (leverage) ratio | 12.0585% | 1,567 |
| Tier 1 risk-based capital ratio | 19.2980% | 1,836 |
| Total risk-based capital ratio | 20.5594% | 1,796 |
| Memoranda: | ||
| Average total assets | $820,986,200 | 808 |
| Average earning assets | $722,347,800 | 844 |
| Average equity | $95,879,200 | 738 |
| Average total loans | $491,361,000 | 865 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 2,882 |
| Cost of funding earning assets | 0.5632% | 3,143 |
| Net interest margin | 3.7635% | 2,788 |
| Noninterest income to average assets | 0.9388% | 1,638 |
| Noninterest expense to average assets | 2.9357% | 3,186 |
| Loan and lease loss provision to assets | -0.1130% | 6,643 |
| Net operating income to assets | 0.9349% | 2,663 |
| Return on assets (ROA) | 0.9349% | 2,778 |
| Pretax return on assets | 1.4283% | 1,838 |
| Return on Equity (ROE) | 8.0983% | 3,074 |
| Retained earnings to average equity (ytd only) | 8.0983% | 1,370 |
| Net charge-offs to loans | -0.2247% | 6,670 |
| Credit loss provision to net charge-offs | 84.6433% | 2,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0297% | 3,911 |
| Assets per employee ($millions) | 3.1803% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1933% | 1,340 |
| Loan loss allowance to noncurrent loans | 70.4190% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 4.8987% | 578 |
| Noncurrent loans to loans | 3.1147% | 1,274 |
| Net loans and leases to total assets | 59.9655% | 3,696 |
| Net loans and leases to deposits | 68.8280% | 3,959 |
| Net loans and leases to core deposits | 89.9774% | 1,969 |
| Total domestic deposits to total assets | 87.1238% | 2,622 |
| Equity capital to assets | 12.0053% | 1,915 |
| Core capital (leverage) ratio | 12.0325% | 1,653 |
| Tier 1 risk-based capital ratio | 19.0726% | 1,968 |
| Total risk-based capital ratio | 20.3339% | 1,931 |
| Memoranda: | ||
| Average total assets | $825,581,500 | 808 |
| Average earning assets | $726,567,000 | 840 |
| Average equity | $95,310,000 | 743 |
| Average total loans | $490,825,000 | 868 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 2,705 |
| Cost of funding earning assets | 0.5935% | 2,999 |
| Net interest margin | 3.7695% | 2,676 |
| Noninterest income to average assets | 0.8306% | 2,065 |
| Noninterest expense to average assets | 2.9010% | 3,330 |
| Loan and lease loss provision to assets | -0.1690% | 6,764 |
| Net operating income to assets | 0.9269% | 2,674 |
| Return on assets (ROA) | 0.9269% | 2,813 |
| Pretax return on assets | 1.4108% | 1,890 |
| Return on Equity (ROE) | 8.1359% | 3,025 |
| Retained earnings to average equity (ytd only) | 8.1359% | 1,427 |
| Net charge-offs to loans | -0.2959% | 6,753 |
| Credit loss provision to net charge-offs | 97.0874% | 2,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9790% | 3,828 |
| Assets per employee ($millions) | 3.1493% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2116% | 1,400 |
| Loan loss allowance to noncurrent loans | 62.6857% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 5.3915% | 549 |
| Noncurrent loans to loans | 3.5281% | 1,193 |
| Net loans and leases to total assets | 57.4581% | 4,070 |
| Net loans and leases to deposits | 65.4122% | 4,332 |
| Net loans and leases to core deposits | 84.0306% | 2,562 |
| Total domestic deposits to total assets | 87.8400% | 2,362 |
| Equity capital to assets | 11.4644% | 2,332 |
| Core capital (leverage) ratio | 11.6617% | 1,825 |
| Tier 1 risk-based capital ratio | 18.6365% | 2,101 |
| Total risk-based capital ratio | 19.8975% | 2,060 |
| Memoranda: | ||
| Average total assets | $828,331,670 | 803 |
| Average earning assets | $727,844,330 | 840 |
| Average equity | $94,372,330 | 746 |
| Average total loans | $487,397,330 | 868 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 2,559 |
| Cost of funding earning assets | 0.6261% | 2,869 |
| Net interest margin | 3.7630% | 2,599 |
| Noninterest income to average assets | 0.9747% | 1,540 |
| Noninterest expense to average assets | 3.0654% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7950% | 3,190 |
| Return on assets (ROA) | 0.7950% | 3,327 |
| Pretax return on assets | 1.2044% | 2,552 |
| Return on Equity (ROE) | 7.0003% | 3,487 |
| Retained earnings to average equity (ytd only) | 7.0003% | 2,149 |
| Net charge-offs to loans | -0.4008% | 6,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7357% | 3,664 |
| Assets per employee ($millions) | 3.0864% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3731% | 1,291 |
| Loan loss allowance to noncurrent loans | 73.7126% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 5.7201% | 589 |
| Noncurrent loans to loans | 3.2193% | 1,520 |
| Net loans and leases to total assets | 56.8801% | 3,948 |
| Net loans and leases to deposits | 65.0363% | 4,180 |
| Net loans and leases to core deposits | 82.0725% | 2,560 |
| Total domestic deposits to total assets | 87.4590% | 2,655 |
| Equity capital to assets | 11.4900% | 2,422 |
| Core capital (leverage) ratio | 11.3976% | 1,946 |
| Tier 1 risk-based capital ratio | 18.3545% | 2,243 |
| Total risk-based capital ratio | 19.6361% | 2,200 |
| Memoranda: | ||
| Average total assets | $823,645,000 | 811 |
| Average earning assets | $721,236,500 | 849 |
| Average equity | $93,539,500 | 765 |
| Average total loans | $484,988,500 | 876 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 3,238 |
| Cost of funding earning assets | 0.7687% | 2,928 |
| Net interest margin | 3.7721% | 3,352 |
| Noninterest income to average assets | 0.6458% | 3,020 |
| Noninterest expense to average assets | 3.0400% | 3,135 |
| Loan and lease loss provision to assets | 0.0059% | 5,853 |
| Net operating income to assets | 0.5899% | 4,283 |
| Return on assets (ROA) | 0.5899% | 4,546 |
| Pretax return on assets | 0.8938% | 3,940 |
| Return on Equity (ROE) | 5.5959% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.5959% | 2,319 |
| Net charge-offs to loans | 0.4532% | 2,418 |
| Credit loss provision to net charge-offs | 2.1395% | 5,468 |
| Earnings coverage of net charge-offs (x) | 3.2781% | 3,789 |
| Efficiency ratio | 77.1038% | 2,575 |
| Assets per employee ($millions) | 3.1904% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2097% | 1,538 |
| Loan loss allowance to noncurrent loans | 102.7134% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 5.0531% | 761 |
| Noncurrent loans to loans | 2.1513% | 2,522 |
| Net loans and leases to total assets | 58.1850% | 3,945 |
| Net loans and leases to deposits | 66.8099% | 4,163 |
| Net loans and leases to core deposits | 83.6596% | 2,585 |
| Total domestic deposits to total assets | 87.0903% | 2,790 |
| Equity capital to assets | 11.2245% | 2,708 |
| Core capital (leverage) ratio | 10.9016% | 2,342 |
| Tier 1 risk-based capital ratio | 17.2783% | 2,533 |
| Total risk-based capital ratio | 18.5622% | 2,496 |
| Memoranda: | ||
| Average total assets | $851,508,400 | 770 |
| Average earning assets | $743,572,800 | 800 |
| Average equity | $89,762,000 | 780 |
| Average total loans | $515,642,600 | 802 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 3,509 |
| Cost of funding earning assets | 0.7937% | 2,998 |
| Net interest margin | 3.7388% | 3,615 |
| Noninterest income to average assets | 0.5818% | 3,396 |
| Noninterest expense to average assets | 3.0311% | 3,123 |
| Loan and lease loss provision to assets | 0.0855% | 4,537 |
| Net operating income to assets | 0.4817% | 4,912 |
| Return on assets (ROA) | 0.4817% | 5,171 |
| Pretax return on assets | 0.7297% | 4,748 |
| Return on Equity (ROE) | 4.6418% | 4,984 |
| Retained earnings to average equity (ytd only) | 4.6418% | 3,625 |
| Net charge-offs to loans | 0.4435% | 2,333 |
| Credit loss provision to net charge-offs | 31.7003% | 4,773 |
| Earnings coverage of net charge-offs (x) | 3.0230% | 3,824 |
| Efficiency ratio | 78.7440% | 2,274 |
| Assets per employee ($millions) | 3.1353% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3956% | 1,372 |
| Loan loss allowance to noncurrent loans | 47.6790% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 6.5147% | 579 |
| Noncurrent loans to loans | 5.0244% | 897 |
| Net loans and leases to total assets | 58.6786% | 4,009 |
| Net loans and leases to deposits | 67.1408% | 4,318 |
| Net loans and leases to core deposits | 84.3926% | 2,651 |
| Total domestic deposits to total assets | 87.3963% | 2,427 |
| Equity capital to assets | 10.9444% | 3,334 |
| Core capital (leverage) ratio | 10.5394% | 2,869 |
| Tier 1 risk-based capital ratio | 16.7602% | 2,864 |
| Total risk-based capital ratio | 18.0519% | 2,793 |
| Memoranda: | ||
| Average total assets | $857,809,750 | 771 |
| Average earning assets | $749,000,750 | 805 |
| Average equity | $89,015,500 | 787 |
| Average total loans | $521,641,250 | 797 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 3,688 |
| Cost of funding earning assets | 0.8168% | 3,064 |
| Net interest margin | 3.7031% | 3,803 |
| Noninterest income to average assets | 0.4585% | 4,225 |
| Noninterest expense to average assets | 3.0097% | 3,227 |
| Loan and lease loss provision to assets | 0.1269% | 3,936 |
| Net operating income to assets | 0.3597% | 5,379 |
| Return on assets (ROA) | 0.3597% | 5,603 |
| Pretax return on assets | 0.5450% | 5,322 |
| Return on Equity (ROE) | 3.5281% | 5,467 |
| Retained earnings to average equity (ytd only) | 3.5281% | 4,248 |
| Net charge-offs to loans | 0.6608% | 1,670 |
| Credit loss provision to net charge-offs | 31.4645% | 4,416 |
| Earnings coverage of net charge-offs (x) | 1.6659% | 4,156 |
| Efficiency ratio | 81.6871% | 1,931 |
| Assets per employee ($millions) | 3.2163% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3410% | 1,516 |
| Loan loss allowance to noncurrent loans | 39.9753% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 7.4791% | 486 |
| Noncurrent loans to loans | 5.8562% | 771 |
| Net loans and leases to total assets | 57.8488% | 4,185 |
| Net loans and leases to deposits | 65.9087% | 4,519 |
| Net loans and leases to core deposits | 83.9954% | 2,689 |
| Total domestic deposits to total assets | 87.7711% | 2,298 |
| Equity capital to assets | 10.3615% | 3,858 |
| Core capital (leverage) ratio | 10.0837% | 3,297 |
| Tier 1 risk-based capital ratio | 15.8632% | 3,232 |
| Total risk-based capital ratio | 17.1496% | 3,184 |
| Memoranda: | ||
| Average total assets | $866,793,000 | 765 |
| Average earning assets | $754,444,000 | 797 |
| Average equity | $88,376,330 | 785 |
| Average total loans | $529,020,670 | 785 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 3,682 |
| Cost of funding earning assets | 0.8398% | 3,152 |
| Net interest margin | 3.7181% | 3,748 |
| Noninterest income to average assets | 0.5011% | 3,902 |
| Noninterest expense to average assets | 3.1003% | 2,914 |
| Loan and lease loss provision to assets | 0.2531% | 2,426 |
| Net operating income to assets | 0.2490% | 5,826 |
| Return on assets (ROA) | 0.2490% | 5,976 |
| Pretax return on assets | 0.3769% | 5,792 |
| Return on Equity (ROE) | 2.4617% | 5,919 |
| Retained earnings to average equity (ytd only) | 2.4617% | 5,029 |
| Net charge-offs to loans | 0.8829% | 1,165 |
| Credit loss provision to net charge-offs | 46.2963% | 3,340 |
| Earnings coverage of net charge-offs (x) | 1.1524% | 3,759 |
| Efficiency ratio | 83.0496% | 1,793 |
| Assets per employee ($millions) | 3.2061% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3860% | 1,529 |
| Loan loss allowance to noncurrent loans | 33.2227% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 8.6307% | 422 |
| Noncurrent loans to loans | 7.1817% | 603 |
| Net loans and leases to total assets | 58.9246% | 3,867 |
| Net loans and leases to deposits | 67.0041% | 4,233 |
| Net loans and leases to core deposits | 85.6822% | 2,328 |
| Total domestic deposits to total assets | 87.9418% | 2,360 |
| Equity capital to assets | 10.1470% | 3,923 |
| Core capital (leverage) ratio | 9.9459% | 3,433 |
| Tier 1 risk-based capital ratio | 15.2437% | 3,592 |
| Total risk-based capital ratio | 16.5228% | 3,535 |
| Memoranda: | ||
| Average total assets | $869,210,000 | 763 |
| Average earning assets | $754,908,000 | 799 |
| Average equity | $87,908,500 | 789 |
| Average total loans | $538,238,000 | 772 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 2,819 |
| Cost of funding earning assets | 0.9770% | 3,526 |
| Net interest margin | 4.0368% | 2,698 |
| Noninterest income to average assets | 0.6386% | 2,954 |
| Noninterest expense to average assets | 2.9068% | 3,935 |
| Loan and lease loss provision to assets | 0.6084% | 1,698 |
| Net operating income to assets | 0.7891% | 3,087 |
| Return on assets (ROA) | 0.7891% | 3,249 |
| Pretax return on assets | 0.6569% | 4,490 |
| Return on Equity (ROE) | 7.9895% | 2,903 |
| Retained earnings to average equity (ytd only) | 7.9895% | 1,083 |
| Net charge-offs to loans | 0.7871% | 2,185 |
| Credit loss provision to net charge-offs | 114.4040% | 2,857 |
| Earnings coverage of net charge-offs (x) | 2.3794% | 4,026 |
| Efficiency ratio | 69.6173% | 4,034 |
| Assets per employee ($millions) | 3.2446% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3825% | 1,489 |
| Loan loss allowance to noncurrent loans | 32.0124% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 9.0941% | 396 |
| Noncurrent loans to loans | 7.4423% | 573 |
| Net loans and leases to total assets | 61.9668% | 3,603 |
| Net loans and leases to deposits | 70.6309% | 4,001 |
| Net loans and leases to core deposits | 91.3835% | 1,952 |
| Total domestic deposits to total assets | 87.7333% | 2,318 |
| Equity capital to assets | 10.0802% | 4,063 |
| Core capital (leverage) ratio | 9.8136% | 3,575 |
| Tier 1 risk-based capital ratio | 14.6948% | 3,831 |
| Total risk-based capital ratio | 15.9730% | 3,795 |
| Memoranda: | ||
| Average total assets | $862,965,200 | 756 |
| Average earning assets | $755,368,200 | 783 |
| Average equity | $85,237,200 | 789 |
| Average total loans | $583,038,400 | 723 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 2,718 |
| Cost of funding earning assets | 0.9964% | 3,697 |
| Net interest margin | 4.0820% | 2,541 |
| Noninterest income to average assets | 0.6238% | 3,035 |
| Noninterest expense to average assets | 2.8974% | 3,943 |
| Loan and lease loss provision to assets | 0.3638% | 2,682 |
| Net operating income to assets | 1.0969% | 1,982 |
| Return on assets (ROA) | 1.0969% | 2,130 |
| Pretax return on assets | 0.9424% | 3,606 |
| Return on Equity (ROE) | 11.1632% | 1,799 |
| Retained earnings to average equity (ytd only) | 11.1632% | 601 |
| Net charge-offs to loans | 0.7621% | 2,041 |
| Credit loss provision to net charge-offs | 69.5884% | 4,497 |
| Earnings coverage of net charge-offs (x) | 2.4987% | 3,882 |
| Efficiency ratio | 68.8713% | 4,142 |
| Assets per employee ($millions) | 3.2490% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9962% | 2,350 |
| Loan loss allowance to noncurrent loans | 28.9148% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 8.1170% | 541 |
| Noncurrent loans to loans | 6.9036% | 728 |
| Net loans and leases to total assets | 64.3937% | 3,234 |
| Net loans and leases to deposits | 74.3064% | 3,613 |
| Net loans and leases to core deposits | 97.7127% | 1,444 |
| Total domestic deposits to total assets | 86.6597% | 2,847 |
| Equity capital to assets | 10.0778% | 4,240 |
| Core capital (leverage) ratio | 10.2725% | 3,109 |
| Tier 1 risk-based capital ratio | 14.6667% | 3,855 |
| Total risk-based capital ratio | 15.9469% | 3,817 |
| Memoranda: | ||
| Average total assets | $861,315,500 | 765 |
| Average earning assets | $755,336,750 | 793 |
| Average equity | $84,633,000 | 798 |
| Average total loans | $590,800,000 | 716 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 2,451 |
| Cost of funding earning assets | 1.0202% | 3,817 |
| Net interest margin | 4.1314% | 2,303 |
| Noninterest income to average assets | 0.6692% | 2,717 |
| Noninterest expense to average assets | 2.9465% | 3,841 |
| Loan and lease loss provision to assets | 0.2217% | 3,701 |
| Net operating income to assets | 1.4565% | 964 |
| Return on assets (ROA) | 1.4565% | 1,024 |
| Pretax return on assets | 1.1222% | 2,765 |
| Return on Equity (ROE) | 14.9536% | 810 |
| Retained earnings to average equity (ytd only) | 14.9536% | 253 |
| Net charge-offs to loans | 0.6252% | 2,272 |
| Credit loss provision to net charge-offs | 50.9657% | 4,559 |
| Earnings coverage of net charge-offs (x) | 3.0896% | 3,308 |
| Efficiency ratio | 68.6229% | 4,405 |
| Assets per employee ($millions) | 3.0698% | 5,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0025% | 2,370 |
| Loan loss allowance to noncurrent loans | 35.3692% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 7.8669% | 603 |
| Noncurrent loans to loans | 5.6616% | 1,096 |
| Net loans and leases to total assets | 67.3521% | 2,752 |
| Net loans and leases to deposits | 77.2498% | 3,259 |
| Net loans and leases to core deposits | 103.6478% | 1,064 |
| Total domestic deposits to total assets | 87.1874% | 2,631 |
| Equity capital to assets | 10.3544% | 3,687 |
| Core capital (leverage) ratio | 10.2371% | 2,992 |
| Tier 1 risk-based capital ratio | 14.4072% | 3,862 |
| Total risk-based capital ratio | 15.6776% | 3,817 |
| Memoranda: | ||
| Average total assets | $857,095,000 | 772 |
| Average earning assets | $751,221,000 | 808 |
| Average equity | $83,484,670 | 808 |
| Average total loans | $596,317,000 | 719 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 2,437 |
| Cost of funding earning assets | 1.0382% | 3,933 |
| Net interest margin | 4.1111% | 2,225 |
| Noninterest income to average assets | 0.6506% | 2,845 |
| Noninterest expense to average assets | 2.8030% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7783% | 512 |
| Return on assets (ROA) | 1.7783% | 542 |
| Pretax return on assets | 1.4621% | 1,562 |
| Return on Equity (ROE) | 18.8344% | 408 |
| Retained earnings to average equity (ytd only) | 18.8344% | 200 |
| Net charge-offs to loans | -0.0126% | 6,435 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6657% | 5,089 |
| Assets per employee ($millions) | 3.0643% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1051% | 2,181 |
| Loan loss allowance to noncurrent loans | 29.9574% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 8.2180% | 566 |
| Noncurrent loans to loans | 7.0269% | 782 |
| Net loans and leases to total assets | 67.5590% | 2,643 |
| Net loans and leases to deposits | 77.0326% | 3,247 |
| Net loans and leases to core deposits | 103.0897% | 1,124 |
| Total domestic deposits to total assets | 87.7018% | 2,555 |
| Equity capital to assets | 9.7096% | 4,161 |
| Core capital (leverage) ratio | 9.7048% | 3,518 |
| Tier 1 risk-based capital ratio | 13.8409% | 4,186 |
| Total risk-based capital ratio | 15.1072% | 4,147 |
| Memoranda: | ||
| Average total assets | $865,081,500 | 773 |
| Average earning assets | $760,579,500 | 803 |
| Average equity | $81,680,500 | 811 |
| Average total loans | $605,431,000 | 715 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6693% | 1,682 |
| Cost of funding earning assets | 1.3755% | 3,421 |
| Net interest margin | 4.2937% | 1,838 |
| Noninterest income to average assets | 0.6129% | 3,389 |
| Noninterest expense to average assets | 3.0203% | 3,768 |
| Loan and lease loss provision to assets | 0.2255% | 5,023 |
| Net operating income to assets | 1.1913% | 1,435 |
| Return on assets (ROA) | 1.1913% | 1,513 |
| Pretax return on assets | 1.1913% | 2,250 |
| Return on Equity (ROE) | 13.9207% | 897 |
| Retained earnings to average equity (ytd only) | 10.9332% | 387 |
| Net charge-offs to loans | 0.1624% | 5,363 |
| Credit loss provision to net charge-offs | 187.7934% | 1,728 |
| Earnings coverage of net charge-offs (x) | 11.8009% | 1,572 |
| Efficiency ratio | 68.0191% | 4,560 |
| Assets per employee ($millions) | 3.1039% | 5,872 |
| Cash dividends to net income (ytd only)* | 21.4610% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0255% | 2,237 |
| Loan loss allowance to noncurrent loans | 42.5264% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 6.9366% | 794 |
| Noncurrent loans to loans | 4.7630% | 1,450 |
| Net loans and leases to total assets | 69.5130% | 2,655 |
| Net loans and leases to deposits | 79.1778% | 3,310 |
| Net loans and leases to core deposits | 108.5281% | 1,012 |
| Total domestic deposits to total assets | 87.7935% | 2,370 |
| Equity capital to assets | 9.1768% | 4,875 |
| Core capital (leverage) ratio | 9.0949% | 4,368 |
| Tier 1 risk-based capital ratio | 12.6404% | 4,906 |
| Total risk-based capital ratio | 13.9049% | 4,871 |
| Memoranda: | ||
| Average total assets | $887,104,200 | 761 |
| Average earning assets | $790,085,400 | 776 |
| Average equity | $75,915,800 | 869 |
| Average total loans | $655,721,000 | 665 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7089% | 1,686 |
| Cost of funding earning assets | 1.4415% | 3,320 |
| Net interest margin | 4.2674% | 1,963 |
| Noninterest income to average assets | 0.7151% | 2,738 |
| Noninterest expense to average assets | 3.0871% | 3,391 |
| Loan and lease loss provision to assets | 0.1495% | 5,541 |
| Net operating income to assets | 1.2887% | 1,357 |
| Return on assets (ROA) | 1.2887% | 1,443 |
| Pretax return on assets | 1.2887% | 2,203 |
| Return on Equity (ROE) | 15.3296% | 803 |
| Retained earnings to average equity (ytd only) | 11.2953% | 558 |
| Net charge-offs to loans | 0.1725% | 4,933 |
| Credit loss provision to net charge-offs | 116.1440% | 3,590 |
| Earnings coverage of net charge-offs (x) | 11.1707% | 1,815 |
| Efficiency ratio | 68.1680% | 4,437 |
| Assets per employee ($millions) | 3.0011% | 6,153 |
| Cash dividends to net income (ytd only)* | 26.3170% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,704 |
| Loan loss allowance to noncurrent loans | 37.0944% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 7.4511% | 707 |
| Noncurrent loans to loans | 4.9208% | 1,424 |
| Net loans and leases to total assets | 72.5171% | 2,127 |
| Net loans and leases to deposits | 82.6887% | 2,970 |
| Net loans and leases to core deposits | 115.7285% | 757 |
| Total domestic deposits to total assets | 87.6989% | 2,158 |
| Equity capital to assets | 9.0497% | 5,508 |
| Core capital (leverage) ratio | 8.8705% | 4,893 |
| Tier 1 risk-based capital ratio | 12.2005% | 5,265 |
| Total risk-based capital ratio | 13.4683% | 5,219 |
| Memoranda: | ||
| Average total assets | $891,604,000 | 753 |
| Average earning assets | $796,091,250 | 764 |
| Average equity | $74,955,750 | 878 |
| Average total loans | $665,493,500 | 657 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7575% | 1,536 |
| Cost of funding earning assets | 1.5109% | 3,196 |
| Net interest margin | 4.2466% | 1,977 |
| Noninterest income to average assets | 0.6949% | 2,737 |
| Noninterest expense to average assets | 3.0601% | 3,470 |
| Loan and lease loss provision to assets | 0.2223% | 4,674 |
| Net operating income to assets | 1.2193% | 1,513 |
| Return on assets (ROA) | 1.2193% | 1,571 |
| Pretax return on assets | 1.2193% | 2,352 |
| Return on Equity (ROE) | 14.8689% | 880 |
| Retained earnings to average equity (ytd only) | 8.7208% | 1,196 |
| Net charge-offs to loans | 0.1000% | 5,148 |
| Credit loss provision to net charge-offs | 296.7359% | 1,252 |
| Earnings coverage of net charge-offs (x) | 19.2433% | 1,261 |
| Efficiency ratio | 67.9275% | 4,597 |
| Assets per employee ($millions) | 3.0409% | 6,058 |
| Cash dividends to net income (ytd only)* | 41.3491% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 2,455 |
| Loan loss allowance to noncurrent loans | 55.9560% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 6.0678% | 964 |
| Noncurrent loans to loans | 3.3694% | 2,371 |
| Net loans and leases to total assets | 71.3603% | 2,576 |
| Net loans and leases to deposits | 80.7560% | 3,473 |
| Net loans and leases to core deposits | 112.4232% | 1,009 |
| Total domestic deposits to total assets | 88.3654% | 1,796 |
| Equity capital to assets | 8.4708% | 6,198 |
| Core capital (leverage) ratio | 8.3526% | 5,659 |
| Tier 1 risk-based capital ratio | 11.6252% | 5,652 |
| Total risk-based capital ratio | 12.8929% | 5,596 |
| Memoranda: | ||
| Average total assets | $899,700,670 | 745 |
| Average earning assets | $806,526,000 | 753 |
| Average equity | $73,778,000 | 893 |
| Average total loans | $673,776,330 | 650 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7953% | 1,478 |
| Cost of funding earning assets | 1.5873% | 3,035 |
| Net interest margin | 4.2080% | 2,009 |
| Noninterest income to average assets | 0.6712% | 2,802 |
| Noninterest expense to average assets | 3.1525% | 3,042 |
| Loan and lease loss provision to assets | 0.2433% | 4,102 |
| Net operating income to assets | 1.0676% | 1,937 |
| Return on assets (ROA) | 1.0676% | 2,012 |
| Pretax return on assets | 1.0676% | 2,849 |
| Return on Equity (ROE) | 13.2346% | 1,207 |
| Retained earnings to average equity (ytd only) | 10.5910% | 1,017 |
| Net charge-offs to loans | 0.0909% | 4,505 |
| Credit loss provision to net charge-offs | 352.5641% | 1,148 |
| Earnings coverage of net charge-offs (x) | 18.9936% | 1,221 |
| Efficiency ratio | 70.5789% | 4,195 |
| Assets per employee ($millions) | 3.0391% | 6,127 |
| Cash dividends to net income (ytd only)* | 19.9751% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 2,783 |
| Loan loss allowance to noncurrent loans | 38.4361% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 6.1527% | 954 |
| Noncurrent loans to loans | 4.6374% | 1,600 |
| Net loans and leases to total assets | 73.1930% | 2,153 |
| Net loans and leases to deposits | 82.5395% | 3,187 |
| Net loans and leases to core deposits | 116.2329% | 938 |
| Total domestic deposits to total assets | 88.6762% | 1,689 |
| Equity capital to assets | 8.2145% | 6,417 |
| Core capital (leverage) ratio | 8.1260% | 6,029 |
| Tier 1 risk-based capital ratio | 11.1954% | 5,966 |
| Total risk-based capital ratio | 12.4586% | 5,905 |
| Memoranda: | ||
| Average total assets | $904,054,000 | 761 |
| Average earning assets | $814,730,000 | 767 |
| Average equity | $72,930,000 | 910 |
| Average total loans | $686,647,500 | 659 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3528% | 932 |
| Cost of funding earning assets | 2.2494% | 1,841 |
| Net interest margin | 4.1034% | 2,430 |
| Noninterest income to average assets | 1.2934% | 896 |
| Noninterest expense to average assets | 3.0775% | 3,844 |
| Loan and lease loss provision to assets | 0.8544% | 2,602 |
| Net operating income to assets | 1.0917% | 1,532 |
| Return on assets (ROA) | 1.1295% | 1,472 |
| Pretax return on assets | 1.1295% | 2,162 |
| Return on Equity (ROE) | 15.2319% | 643 |
| Retained earnings to average equity (ytd only) | 11.8480% | 220 |
| Net charge-offs to loans | 0.5040% | 3,762 |
| Credit loss provision to net charge-offs | 213.8662% | 1,795 |
| Earnings coverage of net charge-offs (x) | 4.8711% | 2,778 |
| Efficiency ratio | 61.2169% | 6,290 |
| Assets per employee ($millions) | 2.9498% | 6,348 |
| Cash dividends to net income (ytd only)* | 22.2158% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 3,108 |
| Loan loss allowance to noncurrent loans | 40.3513% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 4.4355% | 1,460 |
| Noncurrent loans to loans | 4.0739% | 1,814 |
| Net loans and leases to total assets | 76.0969% | 1,770 |
| Net loans and leases to deposits | 85.5415% | 2,990 |
| Net loans and leases to core deposits | 165.6156% | 278 |
| Total domestic deposits to total assets | 88.9591% | 1,498 |
| Equity capital to assets | 7.9209% | 6,652 |
| Core capital (leverage) ratio | 7.8680% | 6,362 |
| Tier 1 risk-based capital ratio | 10.7685% | 6,138 |
| Total risk-based capital ratio | 12.0284% | 6,104 |
| Memoranda: | ||
| Average total assets | $920,599,600 | 735 |
| Average earning assets | $836,875,200 | 730 |
| Average equity | $68,264,600 | 963 |
| Average total loans | $729,744,000 | 631 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4839% | 774 |
| Cost of funding earning assets | 2.3953% | 1,651 |
| Net interest margin | 4.0885% | 2,451 |
| Noninterest income to average assets | 1.4167% | 750 |
| Noninterest expense to average assets | 2.9417% | 4,268 |
| Loan and lease loss provision to assets | 0.9542% | 2,015 |
| Net operating income to assets | 1.2353% | 1,388 |
| Return on assets (ROA) | 1.2855% | 1,326 |
| Pretax return on assets | 1.2855% | 1,986 |
| Return on Equity (ROE) | 17.6315% | 490 |
| Retained earnings to average equity (ytd only) | 13.0578% | 254 |
| Net charge-offs to loans | 0.4245% | 3,560 |
| Credit loss provision to net charge-offs | 281.8763% | 1,493 |
| Earnings coverage of net charge-offs (x) | 6.4678% | 2,601 |
| Efficiency ratio | 57.2879% | 6,830 |
| Assets per employee ($millions) | 2.9049% | 6,394 |
| Cash dividends to net income (ytd only)* | 25.9404% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 2,898 |
| Loan loss allowance to noncurrent loans | 66.0065% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 3.5150% | 1,887 |
| Noncurrent loans to loans | 2.4605% | 3,060 |
| Net loans and leases to total assets | 78.2361% | 1,525 |
| Net loans and leases to deposits | 88.0211% | 2,954 |
| Net loans and leases to core deposits | 178.4394% | 197 |
| Total domestic deposits to total assets | 88.8833% | 1,247 |
| Equity capital to assets | 7.8484% | 6,991 |
| Core capital (leverage) ratio | 7.6432% | 6,806 |
| Tier 1 risk-based capital ratio | 10.3005% | 6,683 |
| Total risk-based capital ratio | 11.5623% | 6,612 |
| Memoranda: | ||
| Average total assets | $923,616,750 | 743 |
| Average earning assets | $839,106,000 | 739 |
| Average equity | $67,339,750 | 992 |
| Average total loans | $736,450,250 | 643 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5938% | 668 |
| Cost of funding earning assets | 2.5910% | 1,310 |
| Net interest margin | 4.0028% | 2,693 |
| Noninterest income to average assets | 1.7601% | 473 |
| Noninterest expense to average assets | 2.9301% | 4,383 |
| Loan and lease loss provision to assets | 1.1661% | 1,474 |
| Net operating income to assets | 1.2941% | 1,241 |
| Return on assets (ROA) | 1.3340% | 1,223 |
| Pretax return on assets | 1.3340% | 1,917 |
| Return on Equity (ROE) | 18.7596% | 424 |
| Retained earnings to average equity (ytd only) | 11.7837% | 476 |
| Net charge-offs to loans | 0.4303% | 3,082 |
| Credit loss provision to net charge-offs | 339.5872% | 1,368 |
| Earnings coverage of net charge-offs (x) | 7.1645% | 2,485 |
| Efficiency ratio | 54.3187% | 7,296 |
| Assets per employee ($millions) | 2.9308% | 6,312 |
| Cash dividends to net income (ytd only)* | 37.1861% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 3,067 |
| Loan loss allowance to noncurrent loans | 59.3743% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 3.3987% | 1,843 |
| Noncurrent loans to loans | 2.5672% | 2,824 |
| Net loans and leases to total assets | 78.1154% | 1,718 |
| Net loans and leases to deposits | 87.4650% | 3,271 |
| Net loans and leases to core deposits | 173.9905% | 277 |
| Total domestic deposits to total assets | 89.3104% | 1,119 |
| Equity capital to assets | 7.3471% | 7,389 |
| Core capital (leverage) ratio | 7.1349% | 7,423 |
| Tier 1 risk-based capital ratio | 9.5507% | 7,348 |
| Total risk-based capital ratio | 10.8074% | 7,299 |
| Memoranda: | ||
| Average total assets | $931,314,670 | 752 |
| Average earning assets | $844,612,000 | 749 |
| Average equity | $66,227,330 | 1,016 |
| Average total loans | $743,212,000 | 654 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6922% | 585 |
| Cost of funding earning assets | 2.7738% | 1,045 |
| Net interest margin | 3.9184% | 2,979 |
| Noninterest income to average assets | 1.6430% | 509 |
| Noninterest expense to average assets | 2.9121% | 4,121 |
| Loan and lease loss provision to assets | 0.6639% | 1,905 |
| Net operating income to assets | 1.6284% | 746 |
| Return on assets (ROA) | 1.7081% | 702 |
| Pretax return on assets | 1.7081% | 1,162 |
| Return on Equity (ROE) | 24.4219% | 208 |
| Retained earnings to average equity (ytd only) | 16.7548% | 288 |
| Net charge-offs to loans | 0.2991% | 2,919 |
| Credit loss provision to net charge-offs | 277.2809% | 1,732 |
| Earnings coverage of net charge-offs (x) | 9.5742% | 2,045 |
| Efficiency ratio | 55.9131% | 6,980 |
| Assets per employee ($millions) | 2.9098% | 6,393 |
| Cash dividends to net income (ytd only)* | 31.3942% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 5,381 |
| Loan loss allowance to noncurrent loans | 48.3875% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 2.3739% | 2,408 |
| Noncurrent loans to loans | 2.2985% | 2,860 |
| Net loans and leases to total assets | 77.6162% | 1,909 |
| Net loans and leases to deposits | 88.0264% | 3,284 |
| Net loans and leases to core deposits | 177.6485% | 259 |
| Total domestic deposits to total assets | 88.1738% | 1,664 |
| Equity capital to assets | 6.9882% | 7,687 |
| Core capital (leverage) ratio | 7.0165% | 7,624 |
| Tier 1 risk-based capital ratio | 9.1154% | 7,728 |
| Total risk-based capital ratio | 10.2705% | 7,811 |
| Memoranda: | ||
| Average total assets | $933,900,000 | 754 |
| Average earning assets | $848,812,000 | 750 |
| Average equity | $65,318,500 | 1,043 |
| Average total loans | $747,488,500 | 659 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4525% | 454 |
| Cost of funding earning assets | 3.4276% | 662 |
| Net interest margin | 4.0250% | 3,003 |
| Noninterest income to average assets | 1.3852% | 749 |
| Noninterest expense to average assets | 3.1658% | 3,467 |
| Loan and lease loss provision to assets | 0.7272% | 2,035 |
| Net operating income to assets | 1.1736% | 1,862 |
| Return on assets (ROA) | 1.1736% | 1,791 |
| Pretax return on assets | 1.1736% | 2,751 |
| Return on Equity (ROE) | 16.7495% | 664 |
| Retained earnings to average equity (ytd only) | 8.4552% | 721 |
| Net charge-offs to loans | 0.4698% | 2,479 |
| Credit loss provision to net charge-offs | 192.7395% | 2,542 |
| Earnings coverage of net charge-offs (x) | 5.0378% | 3,773 |
| Efficiency ratio | 62.4563% | 5,866 |
| Assets per employee ($millions) | 2.5940% | 7,017 |
| Cash dividends to net income (ytd only)* | 49.5194% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 6,140 |
| Loan loss allowance to noncurrent loans | 44.8142% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 2.1160% | 2,321 |
| Noncurrent loans to loans | 2.2108% | 2,497 |
| Net loans and leases to total assets | 80.8604% | 1,476 |
| Net loans and leases to deposits | 92.2254% | 3,094 |
| Net loans and leases to core deposits | 178.2551% | 308 |
| Total domestic deposits to total assets | 87.6769% | 1,620 |
| Equity capital to assets | 7.0004% | 7,740 |
| Core capital (leverage) ratio | 6.9487% | 7,731 |
| Tier 1 risk-based capital ratio | 8.7631% | 7,925 |
| Total risk-based capital ratio | 9.7967% | 8,038 |
| Memoranda: | ||
| Average total assets | $868,781,000 | 780 |
| Average earning assets | $794,643,000 | 774 |
| Average equity | $60,873,600 | 1,105 |
| Average total loans | $697,684,600 | 682 |