Home > First Bank, Upper Michigan > Performance and Condition Ratios
First Bank, Upper Michigan, 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 | 5.6429% | 1,787 |
| Cost of funding earning assets | 1.6215% | 2,915 |
| Net interest margin | 4.0215% | 1,241 |
| Noninterest income to average assets | 1.0900% | 516 |
| Noninterest expense to average assets | 2.9669% | 1,186 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 1.6714% | 785 |
| Return on assets (ROA) | 1.6714% | 783 |
| Pretax return on assets | 1.6714% | 1,162 |
| Return on Equity (ROE) | 14.2400% | 1,215 |
| Retained earnings to average equity (ytd only) | 6.9554% | 2,010 |
| Net charge-offs to loans | 0.1022% | 817 |
| Credit loss provision to net charge-offs | 137.6147% | 1,070 |
| Earnings coverage of net charge-offs (x) | 25.0826% | 1,339 |
| Efficiency ratio | 61.1530% | 2,815 |
| Assets per employee ($millions) | 5.0769% | 3,614 |
| Cash dividends to net income (ytd only)* | 51.1655% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 2,388 |
| Loan loss allowance to noncurrent loans | 170.2186% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 1,498 |
| Noncurrent loans to loans | 0.6837% | 1,484 |
| Net loans and leases to total assets | 68.9000% | 1,964 |
| Net loans and leases to deposits | 82.2296% | 1,859 |
| Net loans and leases to core deposits | 92.7292% | 1,857 |
| Total domestic deposits to total assets | 83.7900% | 2,949 |
| Equity capital to assets | 11.9925% | 1,232 |
| Core capital (leverage) ratio | 11.8719% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2503% | 1,206 |
| Memoranda: | ||
| Average total assets | $616,003,000 | 1,521 |
| Average earning assets | $559,002,000 | 1,553 |
| Average equity | $72,289,000 | 1,321 |
| Average total loans | $426,694,000 | 1,485 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4358% | 2,264 |
| Cost of funding earning assets | 1.7399% | 2,870 |
| Net interest margin | 3.6959% | 1,692 |
| Noninterest income to average assets | 1.1400% | 487 |
| Noninterest expense to average assets | 2.8737% | 1,363 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 1.5321% | 860 |
| Return on assets (ROA) | 1.5321% | 855 |
| Pretax return on assets | 1.5321% | 1,223 |
| Return on Equity (ROE) | 13.8600% | 1,155 |
| Retained earnings to average equity (ytd only) | 7.2106% | 1,363 |
| Net charge-offs to loans | 0.2565% | 582 |
| Credit loss provision to net charge-offs | 55.1978% | 2,304 |
| Earnings coverage of net charge-offs (x) | 9.1343% | 2,336 |
| Efficiency ratio | 62.2355% | 2,920 |
| Assets per employee ($millions) | 5.3713% | 3,381 |
| Cash dividends to net income (ytd only)* | 47.9670% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,358 |
| Loan loss allowance to noncurrent loans | 197.7200% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 1,613 |
| Noncurrent loans to loans | 0.5880% | 1,625 |
| Net loans and leases to total assets | 68.0300% | 2,140 |
| Net loans and leases to deposits | 81.3876% | 2,002 |
| Net loans and leases to core deposits | 93.3897% | 1,886 |
| Total domestic deposits to total assets | 83.5800% | 2,890 |
| Equity capital to assets | 11.4793% | 1,377 |
| Core capital (leverage) ratio | 11.5564% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9964% | 1,267 |
| Memoranda: | ||
| Average total assets | $608,387,200 | 1,518 |
| Average earning assets | $554,696,600 | 1,535 |
| Average equity | $67,262,200 | 1,362 |
| Average total loans | $423,790,000 | 1,470 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3722% | 2,323 |
| Cost of funding earning assets | 1.7426% | 2,860 |
| Net interest margin | 3.6296% | 1,785 |
| Noninterest income to average assets | 1.1100% | 506 |
| Noninterest expense to average assets | 2.8786% | 1,300 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 1.4372% | 1,037 |
| Return on assets (ROA) | 1.4372% | 1,031 |
| Pretax return on assets | 1.4372% | 1,427 |
| Return on Equity (ROE) | 13.1300% | 1,331 |
| Retained earnings to average equity (ytd only) | 4.1435% | 2,796 |
| Net charge-offs to loans | 0.2727% | 465 |
| Credit loss provision to net charge-offs | 51.9630% | 2,040 |
| Earnings coverage of net charge-offs (x) | 8.0947% | 2,230 |
| Efficiency ratio | 63.5382% | 2,768 |
| Assets per employee ($millions) | 5.4367% | 3,329 |
| Cash dividends to net income (ytd only)* | 68.4372% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 2,401 |
| Loan loss allowance to noncurrent loans | 197.4016% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 1,564 |
| Noncurrent loans to loans | 0.5899% | 1,615 |
| Net loans and leases to total assets | 68.6600% | 1,994 |
| Net loans and leases to deposits | 82.0965% | 1,975 |
| Net loans and leases to core deposits | 94.3329% | 1,853 |
| Total domestic deposits to total assets | 83.6300% | 2,689 |
| Equity capital to assets | 11.3756% | 1,531 |
| Core capital (leverage) ratio | 11.1208% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3033% | 1,461 |
| Memoranda: | ||
| Average total assets | $606,058,250 | 1,512 |
| Average earning assets | $553,025,750 | 1,540 |
| Average equity | $66,350,750 | 1,366 |
| Average total loans | $423,453,000 | 1,467 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2258% | 2,487 |
| Cost of funding earning assets | 1.7335% | 2,796 |
| Net interest margin | 3.4924% | 1,978 |
| Noninterest income to average assets | 1.0700% | 530 |
| Noninterest expense to average assets | 2.8865% | 1,289 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.2735% | 1,317 |
| Return on assets (ROA) | 1.2735% | 1,322 |
| Pretax return on assets | 1.2735% | 1,767 |
| Return on Equity (ROE) | 11.7900% | 1,688 |
| Retained earnings to average equity (ytd only) | 1.9087% | 3,380 |
| Net charge-offs to loans | 0.0945% | 895 |
| Credit loss provision to net charge-offs | 150.7538% | 1,212 |
| Earnings coverage of net charge-offs (x) | 20.8040% | 1,613 |
| Efficiency ratio | 66.0635% | 2,539 |
| Assets per employee ($millions) | 5.2945% | 3,377 |
| Cash dividends to net income (ytd only)* | 83.8120% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 1,768 |
| Loan loss allowance to noncurrent loans | 170.5520% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 1,148 |
| Noncurrent loans to loans | 0.7578% | 1,228 |
| Net loans and leases to total assets | 69.9900% | 1,906 |
| Net loans and leases to deposits | 84.2033% | 1,824 |
| Net loans and leases to core deposits | 96.3134% | 1,715 |
| Total domestic deposits to total assets | 83.1200% | 2,847 |
| Equity capital to assets | 10.7569% | 1,680 |
| Core capital (leverage) ratio | 11.0308% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1901% | 1,465 |
| Memoranda: | ||
| Average total assets | $601,484,333 | 1,518 |
| Average earning assets | $549,308,333 | 1,538 |
| Average equity | $64,966,333 | 1,382 |
| Average total loans | $421,083,333 | 1,473 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 2,488 |
| Cost of funding earning assets | 1.7351% | 2,680 |
| Net interest margin | 3.4229% | 2,049 |
| Noninterest income to average assets | 1.0200% | 537 |
| Noninterest expense to average assets | 2.9052% | 1,218 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 1.1505% | 1,553 |
| Return on assets (ROA) | 1.1505% | 1,563 |
| Pretax return on assets | 1.1505% | 2,009 |
| Return on Equity (ROE) | 10.6300% | 1,948 |
| Retained earnings to average equity (ytd only) | 3.9885% | 2,716 |
| Net charge-offs to loans | 0.0354% | 1,193 |
| Credit loss provision to net charge-offs | 405.4054% | 571 |
| Earnings coverage of net charge-offs (x) | 50.4054% | 958 |
| Efficiency ratio | 68.3424% | 2,340 |
| Assets per employee ($millions) | 5.3321% | 3,401 |
| Cash dividends to net income (ytd only)* | 62.4783% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 1,664 |
| Loan loss allowance to noncurrent loans | 163.8002% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 1,078 |
| Noncurrent loans to loans | 0.8092% | 1,091 |
| Net loans and leases to total assets | 68.4900% | 1,963 |
| Net loans and leases to deposits | 82.2937% | 1,859 |
| Net loans and leases to core deposits | 95.3937% | 1,683 |
| Total domestic deposits to total assets | 83.2200% | 2,922 |
| Equity capital to assets | 10.7723% | 1,600 |
| Core capital (leverage) ratio | 11.0869% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2722% | 1,462 |
| Memoranda: | ||
| Average total assets | $600,440,000 | 1,521 |
| Average earning assets | $548,897,500 | 1,545 |
| Average equity | $64,986,500 | 1,373 |
| Average total loans | $417,652,000 | 1,478 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 2,574 |
| Cost of funding earning assets | 1.2697% | 2,600 |
| Net interest margin | 3.4795% | 2,237 |
| Noninterest income to average assets | 1.1100% | 542 |
| Noninterest expense to average assets | 2.8956% | 1,277 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.3238% | 1,384 |
| Return on assets (ROA) | 1.3238% | 1,351 |
| Pretax return on assets | 1.3238% | 1,811 |
| Return on Equity (ROE) | 12.9300% | 1,745 |
| Retained earnings to average equity (ytd only) | 4.5809% | 2,762 |
| Net charge-offs to loans | 0.1108% | 851 |
| Credit loss provision to net charge-offs | 67.7201% | 2,106 |
| Earnings coverage of net charge-offs (x) | 18.0451% | 1,950 |
| Efficiency ratio | 66.1846% | 2,334 |
| Assets per employee ($millions) | 5.0708% | 3,584 |
| Cash dividends to net income (ytd only)* | 64.5825% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 1,758 |
| Loan loss allowance to noncurrent loans | 186.5979% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 1,055 |
| Noncurrent loans to loans | 0.6977% | 1,126 |
| Net loans and leases to total assets | 68.8000% | 1,946 |
| Net loans and leases to deposits | 82.2621% | 1,924 |
| Net loans and leases to core deposits | 92.5229% | 1,868 |
| Total domestic deposits to total assets | 83.6400% | 2,723 |
| Equity capital to assets | 10.8744% | 1,541 |
| Core capital (leverage) ratio | 10.9934% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2015% | 1,474 |
| Memoranda: | ||
| Average total assets | $583,535,800 | 1,516 |
| Average earning assets | $529,644,800 | 1,551 |
| Average equity | $59,726,400 | 1,398 |
| Average total loans | $399,913,600 | 1,469 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 2,613 |
| Cost of funding earning assets | 1.1646% | 2,547 |
| Net interest margin | 3.4632% | 2,305 |
| Noninterest income to average assets | 1.1200% | 543 |
| Noninterest expense to average assets | 2.8913% | 1,245 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3024% | 1,546 |
| Return on assets (ROA) | 1.3024% | 1,528 |
| Pretax return on assets | 1.3024% | 2,036 |
| Return on Equity (ROE) | 12.9300% | 1,914 |
| Retained earnings to average equity (ytd only) | 1.5413% | 3,833 |
| Net charge-offs to loans | 0.0779% | 938 |
| Credit loss provision to net charge-offs | 129.8701% | 1,421 |
| Earnings coverage of net charge-offs (x) | 25.6710% | 1,682 |
| Efficiency ratio | 66.2397% | 2,243 |
| Assets per employee ($millions) | 5.0213% | 3,592 |
| Cash dividends to net income (ytd only)* | 88.0826% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 1,433 |
| Loan loss allowance to noncurrent loans | 135.7547% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 716 |
| Noncurrent loans to loans | 1.0333% | 779 |
| Net loans and leases to total assets | 68.8600% | 1,962 |
| Net loans and leases to deposits | 80.8436% | 1,984 |
| Net loans and leases to core deposits | 90.1452% | 1,922 |
| Total domestic deposits to total assets | 85.1800% | 2,449 |
| Equity capital to assets | 9.6640% | 2,008 |
| Core capital (leverage) ratio | 10.6805% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0100% | 1,560 |
| Memoranda: | ||
| Average total assets | $579,831,750 | 1,527 |
| Average earning assets | $525,479,750 | 1,558 |
| Average equity | $58,391,250 | 1,411 |
| Average total loans | $395,614,750 | 1,477 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 2,737 |
| Cost of funding earning assets | 1.0399% | 2,481 |
| Net interest margin | 3.4240% | 2,464 |
| Noninterest income to average assets | 1.0900% | 500 |
| Noninterest expense to average assets | 2.8776% | 1,264 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.2102% | 1,809 |
| Return on assets (ROA) | 1.2102% | 1,795 |
| Pretax return on assets | 1.2102% | 2,331 |
| Return on Equity (ROE) | 11.8500% | 2,201 |
| Retained earnings to average equity (ytd only) | -1.0351% | 4,223 |
| Net charge-offs to loans | 0.0696% | 863 |
| Credit loss provision to net charge-offs | 220.5882% | 1,007 |
| Earnings coverage of net charge-offs (x) | 27.7574% | 1,589 |
| Efficiency ratio | 67.0060% | 2,103 |
| Assets per employee ($millions) | 4.8341% | 3,730 |
| Cash dividends to net income (ytd only)* | 108.7317% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 1,270 |
| Loan loss allowance to noncurrent loans | 211.8815% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 1,060 |
| Noncurrent loans to loans | 0.6949% | 1,077 |
| Net loans and leases to total assets | 67.6800% | 1,989 |
| Net loans and leases to deposits | 79.9413% | 1,986 |
| Net loans and leases to core deposits | 88.3517% | 1,908 |
| Total domestic deposits to total assets | 84.6600% | 2,635 |
| Equity capital to assets | 10.0478% | 1,829 |
| Core capital (leverage) ratio | 10.7533% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1518% | 1,525 |
| Memoranda: | ||
| Average total assets | $577,276,667 | 1,539 |
| Average earning assets | $522,374,667 | 1,570 |
| Average equity | $58,929,667 | 1,408 |
| Average total loans | $390,712,000 | 1,480 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 2,772 |
| Cost of funding earning assets | 0.8727% | 2,466 |
| Net interest margin | 3.4399% | 2,528 |
| Noninterest income to average assets | 1.1000% | 501 |
| Noninterest expense to average assets | 2.8774% | 1,280 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.2314% | 1,848 |
| Return on assets (ROA) | 1.2314% | 1,817 |
| Pretax return on assets | 1.2314% | 2,349 |
| Return on Equity (ROE) | 11.9500% | 2,226 |
| Retained earnings to average equity (ytd only) | -0.4248% | 4,075 |
| Net charge-offs to loans | 0.0786% | 681 |
| Credit loss provision to net charge-offs | 197.3684% | 836 |
| Earnings coverage of net charge-offs (x) | 25.3026% | 1,372 |
| Efficiency ratio | 66.5513% | 2,149 |
| Assets per employee ($millions) | 4.7484% | 3,846 |
| Cash dividends to net income (ytd only)* | 103.5533% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 1,419 |
| Loan loss allowance to noncurrent loans | 168.0155% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 848 |
| Noncurrent loans to loans | 0.8656% | 873 |
| Net loans and leases to total assets | 66.0500% | 2,053 |
| Net loans and leases to deposits | 78.1479% | 1,959 |
| Net loans and leases to core deposits | 83.8513% | 1,991 |
| Total domestic deposits to total assets | 84.5200% | 2,970 |
| Equity capital to assets | 10.3791% | 1,621 |
| Core capital (leverage) ratio | 10.8496% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4312% | 1,512 |
| Memoranda: | ||
| Average total assets | $575,946,000 | 1,564 |
| Average earning assets | $520,708,000 | 1,594 |
| Average equity | $59,325,500 | 1,407 |
| Average total loans | $386,829,000 | 1,508 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1149% | 1,443 |
| Cost of funding earning assets | 0.3211% | 2,717 |
| Net interest margin | 3.7938% | 1,170 |
| Noninterest income to average assets | 1.1500% | 508 |
| Noninterest expense to average assets | 2.7934% | 1,331 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.7442% | 493 |
| Return on assets (ROA) | 1.7442% | 468 |
| Pretax return on assets | 1.7442% | 828 |
| Return on Equity (ROE) | 16.9400% | 873 |
| Retained earnings to average equity (ytd only) | 6.7393% | 2,347 |
| Net charge-offs to loans | -0.0270% | 4,166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.8137% | 3,084 |
| Assets per employee ($millions) | 4.6177% | 3,958 |
| Cash dividends to net income (ytd only)* | 60.2244% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 1,350 |
| Loan loss allowance to noncurrent loans | 187.7991% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 927 |
| Noncurrent loans to loans | 0.7699% | 973 |
| Net loans and leases to total assets | 66.3300% | 1,998 |
| Net loans and leases to deposits | 76.9906% | 2,036 |
| Net loans and leases to core deposits | 82.3632% | 1,983 |
| Total domestic deposits to total assets | 86.1500% | 2,684 |
| Equity capital to assets | 10.2211% | 1,599 |
| Core capital (leverage) ratio | 10.7905% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5710% | 1,459 |
| Memoranda: | ||
| Average total assets | $587,678,800 | 1,517 |
| Average earning assets | $527,276,000 | 1,561 |
| Average equity | $60,496,000 | 1,388 |
| Average total loans | $370,845,000 | 1,488 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 1,572 |
| Cost of funding earning assets | 0.2814% | 2,369 |
| Net interest margin | 3.5817% | 1,431 |
| Noninterest income to average assets | 1.1600% | 530 |
| Noninterest expense to average assets | 2.7809% | 1,282 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.4779% | 894 |
| Return on assets (ROA) | 1.4779% | 879 |
| Pretax return on assets | 1.4779% | 1,477 |
| Return on Equity (ROE) | 14.3300% | 1,342 |
| Retained earnings to average equity (ytd only) | 0.8373% | 4,242 |
| Net charge-offs to loans | 0.0922% | 672 |
| Credit loss provision to net charge-offs | 196.8504% | 985 |
| Earnings coverage of net charge-offs (x) | 27.7795% | 1,563 |
| Efficiency ratio | 61.9792% | 2,826 |
| Assets per employee ($millions) | 5.0638% | 3,622 |
| Cash dividends to net income (ytd only)* | 94.1580% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 1,331 |
| Loan loss allowance to noncurrent loans | 140.1241% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 692 |
| Noncurrent loans to loans | 1.0597% | 716 |
| Net loans and leases to total assets | 63.7800% | 2,115 |
| Net loans and leases to deposits | 72.9715% | 2,128 |
| Net loans and leases to core deposits | 77.9457% | 2,044 |
| Total domestic deposits to total assets | 87.4000% | 2,623 |
| Equity capital to assets | 9.0278% | 2,197 |
| Core capital (leverage) ratio | 9.9504% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7309% | 1,798 |
| Memoranda: | ||
| Average total assets | $591,450,500 | 1,509 |
| Average earning assets | $529,719,000 | 1,569 |
| Average equity | $60,988,750 | 1,408 |
| Average total loans | $367,216,750 | 1,491 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 1,544 |
| Cost of funding earning assets | 0.2778% | 1,929 |
| Net interest margin | 3.4210% | 1,537 |
| Noninterest income to average assets | 1.1734% | 493 |
| Noninterest expense to average assets | 2.7493% | 1,269 |
| Loan and lease loss provision to assets | 0.1012% | 988 |
| Net operating income to assets | 1.3809% | 952 |
| Return on assets (ROA) | 1.3809% | 930 |
| Pretax return on assets | 1.3809% | 1,492 |
| Return on Equity (ROE) | 12.8626% | 1,413 |
| Retained earnings to average equity (ytd only) | -2.5738% | 4,422 |
| Net charge-offs to loans | 0.0871% | 633 |
| Credit loss provision to net charge-offs | 189.8734% | 994 |
| Earnings coverage of net charge-offs (x) | 27.8038% | 1,422 |
| Efficiency ratio | 63.2913% | 2,871 |
| Assets per employee ($millions) | 4.7166% | 3,920 |
| Cash dividends to net income (ytd only)* | 120.0098% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 1,356 |
| Loan loss allowance to noncurrent loans | 146.5627% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6781% | 807 |
| Noncurrent loans to loans | 1.0366% | 805 |
| Net loans and leases to total assets | 60.9404% | 2,224 |
| Net loans and leases to deposits | 70.3616% | 2,165 |
| Net loans and leases to core deposits | 75.6383% | 2,047 |
| Total domestic deposits to total assets | 86.6103% | 3,074 |
| Equity capital to assets | 9.8330% | 1,805 |
| Core capital (leverage) ratio | 9.8585% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7900% | 1,769 |
| Memoranda: | ||
| Average total assets | $592,802,000 | 1,515 |
| Average earning assets | $529,909,000 | 1,583 |
| Average equity | $63,642,000 | 1,381 |
| Average total loans | $362,859,000 | 1,493 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 1,482 |
| Cost of funding earning assets | 0.2822% | 1,799 |
| Net interest margin | 3.3283% | 1,503 |
| Noninterest income to average assets | 1.2019% | 487 |
| Noninterest expense to average assets | 2.7052% | 1,349 |
| Loan and lease loss provision to assets | 0.1009% | 824 |
| Net operating income to assets | 1.3566% | 892 |
| Return on assets (ROA) | 1.3566% | 879 |
| Pretax return on assets | 1.3566% | 1,367 |
| Return on Equity (ROE) | 12.1306% | 1,270 |
| Retained earnings to average equity (ytd only) | -4.0134% | 4,373 |
| Net charge-offs to loans | 0.0387% | 894 |
| Credit loss provision to net charge-offs | 428.5714% | 564 |
| Earnings coverage of net charge-offs (x) | 61.8857% | 843 |
| Efficiency ratio | 63.2719% | 3,104 |
| Assets per employee ($millions) | 4.6253% | 4,057 |
| Cash dividends to net income (ytd only)* | 133.0853% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,507 |
| Loan loss allowance to noncurrent loans | 133.5917% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 715 |
| Noncurrent loans to loans | 1.1342% | 787 |
| Net loans and leases to total assets | 60.5604% | 2,004 |
| Net loans and leases to deposits | 70.4961% | 1,918 |
| Net loans and leases to core deposits | 75.8586% | 1,790 |
| Total domestic deposits to total assets | 85.9059% | 3,294 |
| Equity capital to assets | 10.5494% | 1,576 |
| Core capital (leverage) ratio | 9.8532% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1947% | 1,724 |
| Memoranda: | ||
| Average total assets | $594,416,500 | 1,514 |
| Average earning assets | $528,791,000 | 1,596 |
| Average equity | $66,476,500 | 1,379 |
| Average total loans | $361,873,000 | 1,488 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9719% | 1,429 |
| Cost of funding earning assets | 0.3591% | 1,862 |
| Net interest margin | 3.6129% | 1,434 |
| Noninterest income to average assets | 1.5775% | 456 |
| Noninterest expense to average assets | 2.7347% | 1,530 |
| Loan and lease loss provision to assets | 0.1405% | 858 |
| Net operating income to assets | 1.8552% | 454 |
| Return on assets (ROA) | 1.8552% | 478 |
| Pretax return on assets | 1.8552% | 806 |
| Return on Equity (ROE) | 15.3727% | 867 |
| Retained earnings to average equity (ytd only) | 5.6574% | 2,499 |
| Net charge-offs to loans | 0.1109% | 798 |
| Credit loss provision to net charge-offs | 199.5012% | 1,309 |
| Earnings coverage of net charge-offs (x) | 28.3342% | 1,655 |
| Efficiency ratio | 56.2400% | 3,679 |
| Assets per employee ($millions) | 4.8917% | 3,824 |
| Cash dividends to net income (ytd only)* | 63.1983% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 1,550 |
| Loan loss allowance to noncurrent loans | 127.2021% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 787 |
| Noncurrent loans to loans | 1.1805% | 816 |
| Net loans and leases to total assets | 59.3652% | 2,220 |
| Net loans and leases to deposits | 70.1277% | 2,118 |
| Net loans and leases to core deposits | 75.4925% | 1,955 |
| Total domestic deposits to total assets | 84.6530% | 3,377 |
| Equity capital to assets | 11.8126% | 1,339 |
| Core capital (leverage) ratio | 9.9647% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2779% | 1,748 |
| Memoranda: | ||
| Average total assets | $569,308,400 | 1,515 |
| Average earning assets | $496,834,600 | 1,615 |
| Average equity | $68,706,000 | 1,371 |
| Average total loans | $361,705,600 | 1,485 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0333% | 1,460 |
| Cost of funding earning assets | 0.3760% | 1,890 |
| Net interest margin | 3.6573% | 1,443 |
| Noninterest income to average assets | 1.5907% | 497 |
| Noninterest expense to average assets | 2.7634% | 1,421 |
| Loan and lease loss provision to assets | 0.1422% | 796 |
| Net operating income to assets | 1.8578% | 601 |
| Return on assets (ROA) | 1.8578% | 624 |
| Pretax return on assets | 1.8578% | 1,029 |
| Return on Equity (ROE) | 15.3081% | 1,088 |
| Retained earnings to average equity (ytd only) | 2.2697% | 4,118 |
| Net charge-offs to loans | 0.1082% | 703 |
| Credit loss provision to net charge-offs | 204.0816% | 1,195 |
| Earnings coverage of net charge-offs (x) | 28.6973% | 1,545 |
| Efficiency ratio | 56.4348% | 3,478 |
| Assets per employee ($millions) | 4.7718% | 3,909 |
| Cash dividends to net income (ytd only)* | 85.1729% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 1,717 |
| Loan loss allowance to noncurrent loans | 116.4546% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 822 |
| Noncurrent loans to loans | 1.2693% | 867 |
| Net loans and leases to total assets | 60.2798% | 2,215 |
| Net loans and leases to deposits | 71.3103% | 2,122 |
| Net loans and leases to core deposits | 76.7673% | 1,978 |
| Total domestic deposits to total assets | 84.5317% | 3,287 |
| Equity capital to assets | 11.6488% | 1,576 |
| Core capital (leverage) ratio | 9.7099% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8785% | 2,014 |
| Memoranda: | ||
| Average total assets | $562,438,250 | 1,550 |
| Average earning assets | $487,931,000 | 1,660 |
| Average equity | $68,258,500 | 1,392 |
| Average total loans | $362,210,500 | 1,511 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8779% | 1,875 |
| Cost of funding earning assets | 0.3895% | 1,973 |
| Net interest margin | 3.4885% | 1,886 |
| Noninterest income to average assets | 1.6580% | 449 |
| Noninterest expense to average assets | 2.8293% | 1,290 |
| Loan and lease loss provision to assets | 0.1624% | 715 |
| Net operating income to assets | 1.6948% | 881 |
| Return on assets (ROA) | 1.6948% | 927 |
| Pretax return on assets | 1.6948% | 1,487 |
| Return on Equity (ROE) | 13.7699% | 1,483 |
| Retained earnings to average equity (ytd only) | 0.4075% | 4,448 |
| Net charge-offs to loans | 0.1222% | 636 |
| Credit loss provision to net charge-offs | 202.7027% | 1,049 |
| Earnings coverage of net charge-offs (x) | 23.1847% | 1,470 |
| Efficiency ratio | 58.7465% | 3,182 |
| Assets per employee ($millions) | 4.6371% | 3,983 |
| Cash dividends to net income (ytd only)* | 97.0407% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 1,770 |
| Loan loss allowance to noncurrent loans | 110.5007% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 864 |
| Noncurrent loans to loans | 1.3110% | 898 |
| Net loans and leases to total assets | 61.8777% | 2,195 |
| Net loans and leases to deposits | 73.2162% | 2,077 |
| Net loans and leases to core deposits | 78.8297% | 1,977 |
| Total domestic deposits to total assets | 84.5137% | 3,280 |
| Equity capital to assets | 11.8014% | 1,460 |
| Core capital (leverage) ratio | 9.8580% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0302% | 1,960 |
| Memoranda: | ||
| Average total assets | $554,275,000 | 1,564 |
| Average earning assets | $481,186,333 | 1,661 |
| Average equity | $68,221,333 | 1,383 |
| Average total loans | $363,245,000 | 1,511 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 1,809 |
| Cost of funding earning assets | 0.4061% | 2,046 |
| Net interest margin | 3.5041% | 1,810 |
| Noninterest income to average assets | 1.6179% | 535 |
| Noninterest expense to average assets | 2.8894% | 1,174 |
| Loan and lease loss provision to assets | 0.1103% | 1,256 |
| Net operating income to assets | 1.6451% | 1,029 |
| Return on assets (ROA) | 1.6451% | 1,082 |
| Pretax return on assets | 1.6451% | 1,614 |
| Return on Equity (ROE) | 13.0813% | 1,653 |
| Retained earnings to average equity (ytd only) | 5.3448% | 3,112 |
| Net charge-offs to loans | 0.1570% | 502 |
| Credit loss provision to net charge-offs | 104.8951% | 1,089 |
| Earnings coverage of net charge-offs (x) | 16.6923% | 1,312 |
| Efficiency ratio | 60.5288% | 2,972 |
| Assets per employee ($millions) | 4.5145% | 4,088 |
| Cash dividends to net income (ytd only)* | 59.1417% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 2,126 |
| Loan loss allowance to noncurrent loans | 96.2159% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0304% | 790 |
| Noncurrent loans to loans | 1.4174% | 894 |
| Net loans and leases to total assets | 64.7147% | 1,955 |
| Net loans and leases to deposits | 77.0272% | 1,797 |
| Net loans and leases to core deposits | 83.0268% | 1,752 |
| Total domestic deposits to total assets | 84.0154% | 3,429 |
| Equity capital to assets | 12.1895% | 1,208 |
| Core capital (leverage) ratio | 10.3899% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4996% | 2,087 |
| Memoranda: | ||
| Average total assets | $543,912,500 | 1,573 |
| Average earning assets | $469,855,000 | 1,684 |
| Average equity | $68,403,000 | 1,373 |
| Average total loans | $364,354,000 | 1,510 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 1,213 |
| Cost of funding earning assets | 0.5547% | 2,582 |
| Net interest margin | 3.9867% | 996 |
| Noninterest income to average assets | 1.7770% | 401 |
| Noninterest expense to average assets | 3.1358% | 1,169 |
| Loan and lease loss provision to assets | 0.1789% | 2,153 |
| Net operating income to assets | 1.9639% | 280 |
| Return on assets (ROA) | 1.9639% | 304 |
| Pretax return on assets | 1.9639% | 492 |
| Return on Equity (ROE) | 15.0798% | 634 |
| Retained earnings to average equity (ytd only) | 5.9495% | 1,816 |
| Net charge-offs to loans | 0.1031% | 1,435 |
| Credit loss provision to net charge-offs | 240.6417% | 1,973 |
| Earnings coverage of net charge-offs (x) | 28.8235% | 1,646 |
| Efficiency ratio | 57.8137% | 3,749 |
| Assets per employee ($millions) | 4.2929% | 4,128 |
| Cash dividends to net income (ytd only)* | 60.5466% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 2,030 |
| Loan loss allowance to noncurrent loans | 100.8061% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.0187% | 928 |
| Noncurrent loans to loans | 1.3729% | 992 |
| Net loans and leases to total assets | 67.5014% | 1,888 |
| Net loans and leases to deposits | 81.3364% | 1,726 |
| Net loans and leases to core deposits | 88.4611% | 1,647 |
| Total domestic deposits to total assets | 82.9903% | 3,414 |
| Equity capital to assets | 12.9860% | 1,091 |
| Core capital (leverage) ratio | 10.5061% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8260% | 1,913 |
| Memoranda: | ||
| Average total assets | $503,087,000 | 1,544 |
| Average earning assets | $441,868,400 | 1,621 |
| Average equity | $65,518,000 | 1,367 |
| Average total loans | $362,818,800 | 1,470 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6552% | 1,175 |
| Cost of funding earning assets | 0.5860% | 2,702 |
| Net interest margin | 4.0692% | 952 |
| Noninterest income to average assets | 1.6919% | 407 |
| Noninterest expense to average assets | 3.1389% | 1,171 |
| Loan and lease loss provision to assets | 0.1811% | 2,171 |
| Net operating income to assets | 1.9592% | 324 |
| Return on assets (ROA) | 1.9592% | 353 |
| Pretax return on assets | 1.9592% | 556 |
| Return on Equity (ROE) | 15.0326% | 685 |
| Retained earnings to average equity (ytd only) | 2.7158% | 3,643 |
| Net charge-offs to loans | 0.0881% | 1,421 |
| Credit loss provision to net charge-offs | 281.2500% | 1,823 |
| Earnings coverage of net charge-offs (x) | 33.2333% | 1,504 |
| Efficiency ratio | 57.8458% | 3,686 |
| Assets per employee ($millions) | 4.2940% | 4,054 |
| Cash dividends to net income (ytd only)* | 81.9340% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,250 |
| Loan loss allowance to noncurrent loans | 98.7138% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.1095% | 940 |
| Noncurrent loans to loans | 1.2949% | 1,140 |
| Net loans and leases to total assets | 71.8250% | 1,690 |
| Net loans and leases to deposits | 86.1901% | 1,676 |
| Net loans and leases to core deposits | 93.9683% | 1,640 |
| Total domestic deposits to total assets | 83.3332% | 3,046 |
| Equity capital to assets | 12.4895% | 1,436 |
| Core capital (leverage) ratio | 10.1090% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5527% | 2,388 |
| Memoranda: | ||
| Average total assets | $496,853,250 | 1,538 |
| Average earning assets | $438,012,000 | 1,610 |
| Average equity | $64,755,250 | 1,359 |
| Average total loans | $363,167,500 | 1,459 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 1,009 |
| Cost of funding earning assets | 0.6242% | 2,840 |
| Net interest margin | 4.2563% | 818 |
| Noninterest income to average assets | 1.5563% | 423 |
| Noninterest expense to average assets | 3.1944% | 1,172 |
| Loan and lease loss provision to assets | 0.1953% | 2,086 |
| Net operating income to assets | 1.9292% | 383 |
| Return on assets (ROA) | 1.9292% | 429 |
| Pretax return on assets | 1.9292% | 641 |
| Return on Equity (ROE) | 14.5823% | 777 |
| Retained earnings to average equity (ytd only) | 0.6123% | 4,183 |
| Net charge-offs to loans | 0.1168% | 1,147 |
| Credit loss provision to net charge-offs | 228.3654% | 1,811 |
| Earnings coverage of net charge-offs (x) | 24.8413% | 1,568 |
| Efficiency ratio | 58.4261% | 3,642 |
| Assets per employee ($millions) | 4.2845% | 4,020 |
| Cash dividends to net income (ytd only)* | 95.8014% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,259 |
| Loan loss allowance to noncurrent loans | 94.8421% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.1324% | 996 |
| Noncurrent loans to loans | 1.3170% | 1,172 |
| Net loans and leases to total assets | 71.7515% | 1,762 |
| Net loans and leases to deposits | 86.4757% | 1,719 |
| Net loans and leases to core deposits | 94.5068% | 1,702 |
| Total domestic deposits to total assets | 82.9730% | 3,096 |
| Equity capital to assets | 12.3879% | 1,434 |
| Core capital (leverage) ratio | 10.2460% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3777% | 2,450 |
| Memoranda: | ||
| Average total assets | $486,416,667 | 1,539 |
| Average earning assets | $430,002,000 | 1,618 |
| Average equity | $64,352,000 | 1,358 |
| Average total loans | $356,135,000 | 1,471 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2105% | 647 |
| Cost of funding earning assets | 0.6707% | 3,054 |
| Net interest margin | 4.5398% | 457 |
| Noninterest income to average assets | 1.3804% | 467 |
| Noninterest expense to average assets | 3.2990% | 1,230 |
| Loan and lease loss provision to assets | 0.2136% | 1,437 |
| Net operating income to assets | 1.9271% | 313 |
| Return on assets (ROA) | 1.9271% | 344 |
| Pretax return on assets | 1.9271% | 539 |
| Return on Equity (ROE) | 14.0667% | 687 |
| Retained earnings to average equity (ytd only) | 6.0419% | 1,854 |
| Net charge-offs to loans | 0.1231% | 970 |
| Credit loss provision to net charge-offs | 235.8491% | 1,328 |
| Earnings coverage of net charge-offs (x) | 23.6415% | 1,323 |
| Efficiency ratio | 58.9824% | 3,875 |
| Assets per employee ($millions) | 3.6822% | 4,293 |
| Cash dividends to net income (ytd only)* | 57.0479% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 1,916 |
| Loan loss allowance to noncurrent loans | 102.3936% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 986 |
| Noncurrent loans to loans | 1.3182% | 1,236 |
| Net loans and leases to total assets | 72.2062% | 1,888 |
| Net loans and leases to deposits | 88.7561% | 1,668 |
| Net loans and leases to core deposits | 98.0977% | 1,615 |
| Total domestic deposits to total assets | 81.3534% | 3,583 |
| Equity capital to assets | 13.8796% | 1,101 |
| Core capital (leverage) ratio | 11.2660% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9168% | 1,936 |
| Memoranda: | ||
| Average total assets | $468,269,500 | 1,542 |
| Average earning assets | $418,694,500 | 1,604 |
| Average equity | $64,151,500 | 1,361 |
| Average total loans | $344,304,000 | 1,472 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 1,267 |
| Cost of funding earning assets | 0.7278% | 3,028 |
| Net interest margin | 4.3492% | 986 |
| Noninterest income to average assets | 1.2879% | 567 |
| Noninterest expense to average assets | 3.1778% | 1,574 |
| Loan and lease loss provision to assets | 0.1486% | 1,440 |
| Net operating income to assets | 1.8290% | 498 |
| Return on assets (ROA) | 1.8290% | 519 |
| Pretax return on assets | 1.8290% | 875 |
| Return on Equity (ROE) | 14.2384% | 852 |
| Retained earnings to average equity (ytd only) | 6.1567% | 1,788 |
| Net charge-offs to loans | 0.1500% | 1,326 |
| Credit loss provision to net charge-offs | 134.3570% | 1,904 |
| Earnings coverage of net charge-offs (x) | 17.8829% | 2,084 |
| Efficiency ratio | 59.8995% | 3,714 |
| Assets per employee ($millions) | 3.9075% | 4,021 |
| Cash dividends to net income (ytd only)* | 56.7599% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 1,962 |
| Loan loss allowance to noncurrent loans | 89.2522% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 846 |
| Noncurrent loans to loans | 1.4481% | 1,011 |
| Net loans and leases to total assets | 72.9042% | 1,932 |
| Net loans and leases to deposits | 89.3413% | 1,659 |
| Net loans and leases to core deposits | 98.6586% | 1,681 |
| Total domestic deposits to total assets | 81.6020% | 3,618 |
| Equity capital to assets | 13.5203% | 1,270 |
| Core capital (leverage) ratio | 10.8706% | 2,620 |
| Tier 1 risk-based capital ratio | 13.2973% | 3,633 |
| Total risk-based capital ratio | 14.4995% | 3,542 |
| Memoranda: | ||
| Average total assets | $471,139,200 | 1,492 |
| Average earning assets | $418,954,400 | 1,549 |
| Average equity | $60,519,400 | 1,370 |
| Average total loans | $347,348,600 | 1,430 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0610% | 1,388 |
| Cost of funding earning assets | 0.7307% | 3,064 |
| Net interest margin | 4.3303% | 1,101 |
| Noninterest income to average assets | 1.2499% | 582 |
| Noninterest expense to average assets | 3.2011% | 1,468 |
| Loan and lease loss provision to assets | 0.1272% | 1,520 |
| Net operating income to assets | 1.7675% | 651 |
| Return on assets (ROA) | 1.7675% | 689 |
| Pretax return on assets | 1.7675% | 1,164 |
| Return on Equity (ROE) | 13.9417% | 995 |
| Retained earnings to average equity (ytd only) | 3.0367% | 3,875 |
| Net charge-offs to loans | 0.0932% | 1,544 |
| Credit loss provision to net charge-offs | 185.1852% | 1,402 |
| Earnings coverage of net charge-offs (x) | 27.5845% | 1,711 |
| Efficiency ratio | 61.0606% | 3,465 |
| Assets per employee ($millions) | 3.8295% | 4,129 |
| Cash dividends to net income (ytd only)* | 78.2185% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 2,066 |
| Loan loss allowance to noncurrent loans | 88.9240% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.3147% | 912 |
| Noncurrent loans to loans | 1.4387% | 1,059 |
| Net loans and leases to total assets | 73.1879% | 1,964 |
| Net loans and leases to deposits | 89.0657% | 1,803 |
| Net loans and leases to core deposits | 98.7142% | 1,772 |
| Total domestic deposits to total assets | 82.1729% | 3,427 |
| Equity capital to assets | 12.8483% | 1,708 |
| Core capital (leverage) ratio | 10.3880% | 3,214 |
| Tier 1 risk-based capital ratio | 12.6173% | 4,073 |
| Total risk-based capital ratio | 13.8255% | 3,972 |
| Memoranda: | ||
| Average total assets | $471,698,250 | 1,503 |
| Average earning assets | $418,932,000 | 1,552 |
| Average equity | $59,800,000 | 1,382 |
| Average total loans | $347,604,250 | 1,440 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 1,418 |
| Cost of funding earning assets | 0.7228% | 3,029 |
| Net interest margin | 4.3011% | 1,144 |
| Noninterest income to average assets | 1.1809% | 616 |
| Noninterest expense to average assets | 3.2169% | 1,469 |
| Loan and lease loss provision to assets | 0.1275% | 1,465 |
| Net operating income to assets | 1.6496% | 808 |
| Return on assets (ROA) | 1.6496% | 843 |
| Pretax return on assets | 1.6496% | 1,395 |
| Return on Equity (ROE) | 13.0715% | 1,214 |
| Retained earnings to average equity (ytd only) | 1.3806% | 4,326 |
| Net charge-offs to loans | 0.1300% | 1,159 |
| Credit loss provision to net charge-offs | 133.3333% | 1,630 |
| Earnings coverage of net charge-offs (x) | 18.5867% | 1,855 |
| Efficiency ratio | 62.6191% | 3,337 |
| Assets per employee ($millions) | 3.9974% | 3,862 |
| Cash dividends to net income (ytd only)* | 89.4384% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,230 |
| Loan loss allowance to noncurrent loans | 85.3435% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.3575% | 900 |
| Noncurrent loans to loans | 1.4684% | 1,053 |
| Net loans and leases to total assets | 73.0517% | 2,048 |
| Net loans and leases to deposits | 88.7020% | 1,907 |
| Net loans and leases to core deposits | 98.2409% | 1,874 |
| Total domestic deposits to total assets | 82.3564% | 3,421 |
| Equity capital to assets | 12.6940% | 1,747 |
| Core capital (leverage) ratio | 10.2667% | 3,315 |
| Tier 1 risk-based capital ratio | 12.2289% | 4,282 |
| Total risk-based capital ratio | 13.3920% | 4,226 |
| Memoranda: | ||
| Average total assets | $470,645,330 | 1,509 |
| Average earning assets | $417,242,000 | 1,564 |
| Average equity | $59,396,330 | 1,385 |
| Average total loans | $346,125,000 | 1,452 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 1,493 |
| Cost of funding earning assets | 0.7086% | 3,011 |
| Net interest margin | 4.2342% | 1,231 |
| Noninterest income to average assets | 1.1754% | 589 |
| Noninterest expense to average assets | 3.2228% | 1,443 |
| Loan and lease loss provision to assets | 0.1275% | 1,371 |
| Net operating income to assets | 1.5731% | 949 |
| Return on assets (ROA) | 1.5731% | 976 |
| Pretax return on assets | 1.5731% | 1,539 |
| Return on Equity (ROE) | 12.4048% | 1,408 |
| Retained earnings to average equity (ytd only) | 4.7649% | 3,017 |
| Net charge-offs to loans | 0.0348% | 1,771 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 66.7000% | 866 |
| Efficiency ratio | 63.6285% | 3,294 |
| Assets per employee ($millions) | 3.8983% | 4,068 |
| Cash dividends to net income (ytd only)* | 61.5883% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,213 |
| Loan loss allowance to noncurrent loans | 66.1624% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.7063% | 645 |
| Noncurrent loans to loans | 1.9255% | 782 |
| Net loans and leases to total assets | 73.1752% | 1,949 |
| Net loans and leases to deposits | 89.1724% | 1,736 |
| Net loans and leases to core deposits | 98.4574% | 1,744 |
| Total domestic deposits to total assets | 82.0604% | 3,708 |
| Equity capital to assets | 13.0041% | 1,454 |
| Core capital (leverage) ratio | 10.6215% | 2,922 |
| Tier 1 risk-based capital ratio | 12.6014% | 4,100 |
| Total risk-based capital ratio | 13.7773% | 4,028 |
| Memoranda: | ||
| Average total assets | $470,653,500 | 1,522 |
| Average earning assets | $416,605,000 | 1,568 |
| Average equity | $59,686,500 | 1,382 |
| Average total loans | $344,712,500 | 1,462 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9585% | 1,134 |
| Cost of funding earning assets | 0.6070% | 2,668 |
| Net interest margin | 4.3515% | 1,031 |
| Noninterest income to average assets | 1.3567% | 497 |
| Noninterest expense to average assets | 3.2182% | 1,508 |
| Loan and lease loss provision to assets | 0.3680% | 400 |
| Net operating income to assets | 1.6240% | 826 |
| Return on assets (ROA) | 1.6240% | 819 |
| Pretax return on assets | 1.6240% | 1,399 |
| Return on Equity (ROE) | 13.3208% | 1,228 |
| Retained earnings to average equity (ytd only) | 5.4406% | 2,510 |
| Net charge-offs to loans | 0.0796% | 1,993 |
| Credit loss provision to net charge-offs | 625.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 33.8309% | 1,482 |
| Efficiency ratio | 60.0091% | 3,860 |
| Assets per employee ($millions) | 3.9791% | 3,913 |
| Cash dividends to net income (ytd only)* | 59.1576% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,278 |
| Loan loss allowance to noncurrent loans | 82.3811% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.4302% | 830 |
| Noncurrent loans to loans | 1.5220% | 1,002 |
| Net loans and leases to total assets | 71.4662% | 2,356 |
| Net loans and leases to deposits | 86.2743% | 2,240 |
| Net loans and leases to core deposits | 94.7616% | 2,160 |
| Total domestic deposits to total assets | 82.8361% | 3,382 |
| Equity capital to assets | 12.3630% | 1,656 |
| Core capital (leverage) ratio | 10.1152% | 3,440 |
| Tier 1 risk-based capital ratio | 12.1266% | 4,341 |
| Total risk-based capital ratio | 13.2754% | 4,303 |
| Memoranda: | ||
| Average total assets | $461,933,600 | 1,509 |
| Average earning assets | $409,075,400 | 1,558 |
| Average equity | $56,317,800 | 1,394 |
| Average total loans | $341,673,600 | 1,432 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 1,116 |
| Cost of funding earning assets | 0.5816% | 2,621 |
| Net interest margin | 4.3385% | 1,040 |
| Noninterest income to average assets | 1.4256% | 465 |
| Noninterest expense to average assets | 3.2943% | 1,313 |
| Loan and lease loss provision to assets | 0.4066% | 312 |
| Net operating income to assets | 1.5725% | 1,017 |
| Return on assets (ROA) | 1.5725% | 1,021 |
| Pretax return on assets | 1.5725% | 1,665 |
| Return on Equity (ROE) | 12.9452% | 1,451 |
| Retained earnings to average equity (ytd only) | 2.3337% | 4,459 |
| Net charge-offs to loans | 0.0687% | 1,850 |
| Credit loss provision to net charge-offs | 795.4545% | 490 |
| Earnings coverage of net charge-offs (x) | 38.7161% | 1,385 |
| Efficiency ratio | 60.7237% | 3,701 |
| Assets per employee ($millions) | 3.8339% | 4,131 |
| Cash dividends to net income (ytd only)* | 81.9727% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 2,773 |
| Loan loss allowance to noncurrent loans | 75.9088% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4956% | 854 |
| Noncurrent loans to loans | 1.5467% | 1,038 |
| Net loans and leases to total assets | 74.2633% | 1,937 |
| Net loans and leases to deposits | 89.6394% | 1,948 |
| Net loans and leases to core deposits | 99.1071% | 1,863 |
| Total domestic deposits to total assets | 82.8467% | 3,360 |
| Equity capital to assets | 12.0802% | 1,849 |
| Core capital (leverage) ratio | 9.7441% | 3,904 |
| Tier 1 risk-based capital ratio | 11.4206% | 4,841 |
| Total risk-based capital ratio | 12.5035% | 4,817 |
| Memoranda: | ||
| Average total assets | $459,038,000 | 1,526 |
| Average earning assets | $407,138,000 | 1,573 |
| Average equity | $55,762,000 | 1,405 |
| Average total loans | $341,416,750 | 1,435 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 1,063 |
| Cost of funding earning assets | 0.5550% | 2,570 |
| Net interest margin | 4.3249% | 993 |
| Noninterest income to average assets | 1.4433% | 459 |
| Noninterest expense to average assets | 3.2837% | 1,359 |
| Loan and lease loss provision to assets | 0.4810% | 237 |
| Net operating income to assets | 1.5220% | 1,099 |
| Return on assets (ROA) | 1.5220% | 1,101 |
| Pretax return on assets | 1.5220% | 1,738 |
| Return on Equity (ROE) | 12.5061% | 1,543 |
| Retained earnings to average equity (ytd only) | 0.0216% | 4,951 |
| Net charge-offs to loans | 0.0708% | 1,631 |
| Credit loss provision to net charge-offs | 916.6667% | 439 |
| Earnings coverage of net charge-offs (x) | 38.1750% | 1,335 |
| Efficiency ratio | 60.3672% | 3,889 |
| Assets per employee ($millions) | 3.8408% | 4,145 |
| Cash dividends to net income (ytd only)* | 99.8276% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 3,172 |
| Loan loss allowance to noncurrent loans | 68.5607% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.5987% | 802 |
| Noncurrent loans to loans | 1.6278% | 993 |
| Net loans and leases to total assets | 74.6172% | 1,848 |
| Net loans and leases to deposits | 90.1053% | 1,828 |
| Net loans and leases to core deposits | 98.9035% | 1,823 |
| Total domestic deposits to total assets | 82.8112% | 3,468 |
| Equity capital to assets | 12.0825% | 1,800 |
| Core capital (leverage) ratio | 9.5691% | 4,028 |
| Tier 1 risk-based capital ratio | 11.2562% | 4,920 |
| Total risk-based capital ratio | 12.2855% | 4,935 |
| Memoranda: | ||
| Average total assets | $457,415,330 | 1,539 |
| Average earning assets | $406,479,000 | 1,585 |
| Average equity | $55,669,000 | 1,409 |
| Average total loans | $339,020,670 | 1,447 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8475% | 982 |
| Cost of funding earning assets | 0.5164% | 2,664 |
| Net interest margin | 4.3311% | 900 |
| Noninterest income to average assets | 1.6268% | 375 |
| Noninterest expense to average assets | 3.3322% | 1,291 |
| Loan and lease loss provision to assets | 0.6993% | 139 |
| Net operating income to assets | 1.4589% | 1,175 |
| Return on assets (ROA) | 1.4589% | 1,179 |
| Pretax return on assets | 1.4589% | 1,808 |
| Return on Equity (ROE) | 11.9446% | 1,596 |
| Retained earnings to average equity (ytd only) | 5.1457% | 3,102 |
| Net charge-offs to loans | 0.0964% | 1,213 |
| Credit loss provision to net charge-offs | 987.6543% | 350 |
| Earnings coverage of net charge-offs (x) | 30.4815% | 1,229 |
| Efficiency ratio | 59.0033% | 4,217 |
| Assets per employee ($millions) | 4.0898% | 3,820 |
| Cash dividends to net income (ytd only)* | 56.9203% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,526 |
| Loan loss allowance to noncurrent loans | 59.4138% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.6391% | 817 |
| Noncurrent loans to loans | 1.8090% | 920 |
| Net loans and leases to total assets | 72.0976% | 2,153 |
| Net loans and leases to deposits | 87.8818% | 1,945 |
| Net loans and leases to core deposits | 96.0291% | 1,972 |
| Total domestic deposits to total assets | 82.0392% | 3,953 |
| Equity capital to assets | 12.2239% | 1,649 |
| Core capital (leverage) ratio | 9.7049% | 3,839 |
| Tier 1 risk-based capital ratio | 11.6418% | 4,777 |
| Total risk-based capital ratio | 12.6201% | 4,840 |
| Memoranda: | ||
| Average total assets | $457,594,000 | 1,548 |
| Average earning assets | $408,213,500 | 1,591 |
| Average equity | $55,891,500 | 1,406 |
| Average total loans | $336,084,500 | 1,465 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 912 |
| Cost of funding earning assets | 0.4413% | 2,863 |
| Net interest margin | 4.3919% | 779 |
| Noninterest income to average assets | 1.3404% | 583 |
| Noninterest expense to average assets | 3.4297% | 1,157 |
| Loan and lease loss provision to assets | 0.2817% | 629 |
| Net operating income to assets | 1.4463% | 914 |
| Return on assets (ROA) | 1.4463% | 932 |
| Pretax return on assets | 1.4463% | 1,830 |
| Return on Equity (ROE) | 12.0656% | 1,197 |
| Retained earnings to average equity (ytd only) | 5.8006% | 1,654 |
| Net charge-offs to loans | 0.3544% | 716 |
| Credit loss provision to net charge-offs | 110.9661% | 2,347 |
| Earnings coverage of net charge-offs (x) | 6.8068% | 3,135 |
| Efficiency ratio | 64.6847% | 3,497 |
| Assets per employee ($millions) | 3.7780% | 4,316 |
| Cash dividends to net income (ytd only)* | 51.9248% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 4,673 |
| Loan loss allowance to noncurrent loans | 45.3095% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.7745% | 704 |
| Noncurrent loans to loans | 1.8715% | 842 |
| Net loans and leases to total assets | 73.3847% | 2,027 |
| Net loans and leases to deposits | 88.8461% | 1,918 |
| Net loans and leases to core deposits | 95.6788% | 2,057 |
| Total domestic deposits to total assets | 82.5975% | 3,696 |
| Equity capital to assets | 12.2045% | 1,697 |
| Core capital (leverage) ratio | 9.7410% | 3,756 |
| Tier 1 risk-based capital ratio | 11.6931% | 4,725 |
| Total risk-based capital ratio | 12.4813% | 4,899 |
| Memoranda: | ||
| Average total assets | $452,610,200 | 1,536 |
| Average earning assets | $393,386,200 | 1,619 |
| Average equity | $54,253,200 | 1,421 |
| Average total loans | $324,228,400 | 1,467 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 629 |
| Cost of funding earning assets | 0.6199% | 1,405 |
| Net interest margin | 4.3658% | 790 |
| Noninterest income to average assets | 1.2897% | 640 |
| Noninterest expense to average assets | 3.0567% | 1,933 |
| Loan and lease loss provision to assets | 0.2335% | 775 |
| Net operating income to assets | 1.9607% | 341 |
| Return on assets (ROA) | 1.9607% | 347 |
| Pretax return on assets | 1.9607% | 596 |
| Return on Equity (ROE) | 19.8427% | 230 |
| Retained earnings to average equity (ytd only) | 1.4317% | 4,839 |
| Net charge-offs to loans | 0.3031% | 692 |
| Credit loss provision to net charge-offs | 99.1254% | 2,328 |
| Earnings coverage of net charge-offs (x) | 9.3149% | 2,705 |
| Efficiency ratio | 58.0565% | 4,494 |
| Assets per employee ($millions) | 4.1273% | 3,778 |
| Cash dividends to net income (ytd only)* | 92.7846% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 1,555 |
| Loan loss allowance to noncurrent loans | 70.3555% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 2.3064% | 502 |
| Noncurrent loans to loans | 2.1228% | 775 |
| Net loans and leases to total assets | 77.3855% | 1,369 |
| Net loans and leases to deposits | 97.3401% | 981 |
| Net loans and leases to core deposits | 107.1393% | 1,190 |
| Total domestic deposits to total assets | 79.5002% | 4,440 |
| Equity capital to assets | 9.9360% | 3,982 |
| Core capital (leverage) ratio | 8.9984% | 4,742 |
| Tier 1 risk-based capital ratio | 11.5408% | 4,936 |
| Total risk-based capital ratio | 12.7938% | 4,820 |
| Memoranda: | ||
| Average total assets | $194,146,500 | 3,003 |
| Average earning assets | $176,150,750 | 3,028 |
| Average equity | $19,183,750 | 3,252 |
| Average total loans | $150,895,000 | 2,661 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8804% | 731 |
| Cost of funding earning assets | 0.6198% | 1,335 |
| Net interest margin | 4.2606% | 951 |
| Noninterest income to average assets | 1.2976% | 616 |
| Noninterest expense to average assets | 3.0525% | 1,966 |
| Loan and lease loss provision to assets | 0.2575% | 644 |
| Net operating income to assets | 1.8599% | 403 |
| Return on assets (ROA) | 1.8599% | 414 |
| Pretax return on assets | 1.8599% | 728 |
| Return on Equity (ROE) | 18.8580% | 270 |
| Retained earnings to average equity (ytd only) | 0.1566% | 5,036 |
| Net charge-offs to loans | 0.2739% | 736 |
| Credit loss provision to net charge-offs | 121.3592% | 1,765 |
| Earnings coverage of net charge-offs (x) | 9.9806% | 2,383 |
| Efficiency ratio | 58.8845% | 4,477 |
| Assets per employee ($millions) | 3.9218% | 4,097 |
| Cash dividends to net income (ytd only)* | 99.1694% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 1,489 |
| Loan loss allowance to noncurrent loans | 63.3315% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 2.4443% | 456 |
| Noncurrent loans to loans | 2.4127% | 642 |
| Net loans and leases to total assets | 76.3465% | 1,492 |
| Net loans and leases to deposits | 96.1936% | 1,059 |
| Net loans and leases to core deposits | 109.1215% | 1,043 |
| Total domestic deposits to total assets | 79.3675% | 4,540 |
| Equity capital to assets | 9.7634% | 4,162 |
| Core capital (leverage) ratio | 8.8733% | 4,874 |
| Tier 1 risk-based capital ratio | 11.3766% | 5,037 |
| Total risk-based capital ratio | 12.6303% | 4,927 |
| Memoranda: | ||
| Average total assets | $194,201,330 | 3,019 |
| Average earning assets | $176,501,670 | 3,034 |
| Average equity | $19,153,670 | 3,257 |
| Average total loans | $150,396,670 | 2,673 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 715 |
| Cost of funding earning assets | 0.6158% | 1,266 |
| Net interest margin | 4.2080% | 972 |
| Noninterest income to average assets | 1.3226% | 588 |
| Noninterest expense to average assets | 3.1585% | 1,724 |
| Loan and lease loss provision to assets | 0.1863% | 907 |
| Net operating income to assets | 1.8111% | 438 |
| Return on assets (ROA) | 1.8111% | 447 |
| Pretax return on assets | 1.8111% | 768 |
| Return on Equity (ROE) | 18.2691% | 319 |
| Retained earnings to average equity (ytd only) | 7.3703% | 1,705 |
| Net charge-offs to loans | 0.0695% | 1,634 |
| Credit loss provision to net charge-offs | 346.1538% | 718 |
| Earnings coverage of net charge-offs (x) | 37.1154% | 1,082 |
| Efficiency ratio | 61.1000% | 4,301 |
| Assets per employee ($millions) | 4.0786% | 3,880 |
| Cash dividends to net income (ytd only)* | 59.6571% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,497 |
| Loan loss allowance to noncurrent loans | 82.5872% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.7842% | 804 |
| Noncurrent loans to loans | 1.8816% | 978 |
| Net loans and leases to total assets | 75.8209% | 1,442 |
| Net loans and leases to deposits | 96.6405% | 879 |
| Net loans and leases to core deposits | 109.9901% | 878 |
| Total domestic deposits to total assets | 78.4566% | 4,915 |
| Equity capital to assets | 9.9044% | 3,871 |
| Core capital (leverage) ratio | 9.1584% | 4,535 |
| Tier 1 risk-based capital ratio | 11.4730% | 5,046 |
| Total risk-based capital ratio | 12.7262% | 4,945 |
| Memoranda: | ||
| Average total assets | $193,257,500 | 3,056 |
| Average earning assets | $176,044,500 | 3,071 |
| Average equity | $19,158,000 | 3,272 |
| Average total loans | $149,580,000 | 2,705 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9480% | 660 |
| Cost of funding earning assets | 0.6191% | 1,217 |
| Net interest margin | 4.3289% | 887 |
| Noninterest income to average assets | 1.3400% | 636 |
| Noninterest expense to average assets | 3.1159% | 1,990 |
| Loan and lease loss provision to assets | 0.2040% | 1,118 |
| Net operating income to assets | 1.9805% | 330 |
| Return on assets (ROA) | 1.9805% | 349 |
| Pretax return on assets | 1.9805% | 524 |
| Return on Equity (ROE) | 16.8564% | 423 |
| Retained earnings to average equity (ytd only) | -72.0591% | 5,907 |
| Net charge-offs to loans | 0.3617% | 756 |
| Credit loss provision to net charge-offs | 73.2177% | 3,077 |
| Earnings coverage of net charge-offs (x) | 7.8401% | 2,962 |
| Efficiency ratio | 58.6448% | 4,768 |
| Assets per employee ($millions) | 3.8927% | 4,155 |
| Cash dividends to net income (ytd only)* | 527.4871% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 1,547 |
| Loan loss allowance to noncurrent loans | 78.2355% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.8800% | 766 |
| Noncurrent loans to loans | 1.9632% | 922 |
| Net loans and leases to total assets | 76.5963% | 1,423 |
| Net loans and leases to deposits | 98.0386% | 824 |
| Net loans and leases to core deposits | 110.3773% | 873 |
| Total domestic deposits to total assets | 78.1287% | 4,962 |
| Equity capital to assets | 9.9223% | 3,798 |
| Core capital (leverage) ratio | 9.0154% | 4,727 |
| Tier 1 risk-based capital ratio | 11.6532% | 4,955 |
| Total risk-based capital ratio | 12.9070% | 4,861 |
| Memoranda: | ||
| Average total assets | $186,270,400 | 3,096 |
| Average earning assets | $170,413,200 | 3,106 |
| Average equity | $21,884,800 | 2,994 |
| Average total loans | $143,494,600 | 2,737 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 649 |
| Cost of funding earning assets | 0.6148% | 1,240 |
| Net interest margin | 4.3397% | 861 |
| Noninterest income to average assets | 1.3243% | 669 |
| Noninterest expense to average assets | 3.1764% | 1,836 |
| Loan and lease loss provision to assets | 0.1692% | 1,343 |
| Net operating income to assets | 1.9486% | 370 |
| Return on assets (ROA) | 1.9486% | 393 |
| Pretax return on assets | 1.9486% | 639 |
| Return on Equity (ROE) | 15.9469% | 551 |
| Retained earnings to average equity (ytd only) | -98.7282% | 5,978 |
| Net charge-offs to loans | 0.3599% | 624 |
| Credit loss provision to net charge-offs | 61.1979% | 2,895 |
| Earnings coverage of net charge-offs (x) | 7.6588% | 2,856 |
| Efficiency ratio | 59.8613% | 4,561 |
| Assets per employee ($millions) | 4.0633% | 3,851 |
| Cash dividends to net income (ytd only)* | 719.1055% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 1,630 |
| Loan loss allowance to noncurrent loans | 70.7294% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.9827% | 788 |
| Noncurrent loans to loans | 2.1796% | 865 |
| Net loans and leases to total assets | 74.2996% | 1,816 |
| Net loans and leases to deposits | 94.3406% | 1,228 |
| Net loans and leases to core deposits | 107.6117% | 1,074 |
| Total domestic deposits to total assets | 78.7567% | 4,778 |
| Equity capital to assets | 9.4685% | 4,689 |
| Core capital (leverage) ratio | 8.6225% | 5,240 |
| Tier 1 risk-based capital ratio | 11.2327% | 5,237 |
| Total risk-based capital ratio | 12.4867% | 5,139 |
| Memoranda: | ||
| Average total assets | $185,152,250 | 3,116 |
| Average earning assets | $169,376,000 | 3,134 |
| Average equity | $22,624,500 | 2,953 |
| Average total loans | $142,273,000 | 2,750 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9613% | 633 |
| Cost of funding earning assets | 0.5995% | 1,316 |
| Net interest margin | 4.3618% | 831 |
| Noninterest income to average assets | 1.4154% | 576 |
| Noninterest expense to average assets | 3.2652% | 1,656 |
| Loan and lease loss provision to assets | 0.2090% | 1,024 |
| Net operating income to assets | 1.9422% | 368 |
| Return on assets (ROA) | 1.9422% | 388 |
| Pretax return on assets | 1.9422% | 645 |
| Return on Equity (ROE) | 14.7103% | 719 |
| Retained earnings to average equity (ytd only) | -141.8473% | 6,054 |
| Net charge-offs to loans | 0.3456% | 678 |
| Credit loss provision to net charge-offs | 78.1893% | 2,384 |
| Earnings coverage of net charge-offs (x) | 8.0494% | 2,556 |
| Efficiency ratio | 60.1624% | 4,619 |
| Assets per employee ($millions) | 3.8314% | 4,208 |
| Cash dividends to net income (ytd only)* | 1,064.2695% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6257% | 1,455 |
| Loan loss allowance to noncurrent loans | 74.5117% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 2.1200% | 748 |
| Noncurrent loans to loans | 2.1818% | 867 |
| Net loans and leases to total assets | 76.2279% | 1,458 |
| Net loans and leases to deposits | 97.6287% | 918 |
| Net loans and leases to core deposits | 111.4210% | 852 |
| Total domestic deposits to total assets | 78.0794% | 4,986 |
| Equity capital to assets | 9.7365% | 4,525 |
| Core capital (leverage) ratio | 8.8447% | 5,006 |
| Tier 1 risk-based capital ratio | 11.5984% | 5,092 |
| Total risk-based capital ratio | 12.8541% | 4,987 |
| Memoranda: | ||
| Average total assets | $181,857,670 | 3,174 |
| Average earning assets | $166,811,330 | 3,185 |
| Average equity | $24,010,330 | 2,832 |
| Average total loans | $140,637,330 | 2,780 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9803% | 605 |
| Cost of funding earning assets | 0.5620% | 1,607 |
| Net interest margin | 4.4184% | 706 |
| Noninterest income to average assets | 1.2922% | 657 |
| Noninterest expense to average assets | 3.3155% | 1,565 |
| Loan and lease loss provision to assets | 0.1006% | 2,016 |
| Net operating income to assets | 1.9540% | 363 |
| Return on assets (ROA) | 1.9540% | 382 |
| Pretax return on assets | 1.9540% | 619 |
| Return on Equity (ROE) | 13.0079% | 1,037 |
| Retained earnings to average equity (ytd only) | -249.0549% | 6,119 |
| Net charge-offs to loans | 0.5643% | 389 |
| Credit loss provision to net charge-offs | 23.0769% | 2,273 |
| Earnings coverage of net charge-offs (x) | 4.7128% | 2,399 |
| Efficiency ratio | 61.6153% | 4,503 |
| Assets per employee ($millions) | 3.8869% | 4,148 |
| Cash dividends to net income (ytd only)* | 2,014.6453% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 1,499 |
| Loan loss allowance to noncurrent loans | 113.6273% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.7002% | 1,138 |
| Noncurrent loans to loans | 1.4455% | 1,641 |
| Net loans and leases to total assets | 75.9595% | 1,398 |
| Net loans and leases to deposits | 98.7480% | 705 |
| Net loans and leases to core deposits | 115.8981% | 597 |
| Total domestic deposits to total assets | 76.9226% | 5,298 |
| Equity capital to assets | 10.3676% | 3,663 |
| Core capital (leverage) ratio | 9.0571% | 4,786 |
| Tier 1 risk-based capital ratio | 12.5814% | 4,529 |
| Total risk-based capital ratio | 13.8378% | 4,436 |
| Memoranda: | ||
| Average total assets | $178,918,000 | 3,216 |
| Average earning assets | $165,129,500 | 3,212 |
| Average equity | $26,876,000 | 2,604 |
| Average total loans | $138,219,500 | 2,819 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0417% | 578 |
| Cost of funding earning assets | 0.5024% | 2,132 |
| Net interest margin | 4.5392% | 611 |
| Noninterest income to average assets | 1.3118% | 704 |
| Noninterest expense to average assets | 3.2875% | 1,746 |
| Loan and lease loss provision to assets | 0.1885% | 1,184 |
| Net operating income to assets | 2.0631% | 315 |
| Return on assets (ROA) | 2.0631% | 324 |
| Pretax return on assets | 2.0631% | 476 |
| Return on Equity (ROE) | 10.5234% | 1,793 |
| Retained earnings to average equity (ytd only) | 4.2169% | 2,984 |
| Net charge-offs to loans | 0.5484% | 462 |
| Credit loss provision to net charge-offs | 44.7154% | 3,476 |
| Earnings coverage of net charge-offs (x) | 5.3401% | 3,410 |
| Efficiency ratio | 59.3502% | 4,987 |
| Assets per employee ($millions) | 3.7300% | 4,412 |
| Cash dividends to net income (ytd only)* | 59.9280% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7477% | 1,247 |
| Loan loss allowance to noncurrent loans | 107.8501% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.8644% | 996 |
| Noncurrent loans to loans | 1.6204% | 1,413 |
| Net loans and leases to total assets | 75.9275% | 1,434 |
| Net loans and leases to deposits | 103.8646% | 449 |
| Net loans and leases to core deposits | 116.2359% | 597 |
| Total domestic deposits to total assets | 73.1024% | 5,715 |
| Equity capital to assets | 19.6690% | 217 |
| Core capital (leverage) ratio | 18.4052% | 268 |
| Tier 1 risk-based capital ratio | 25.6302% | 764 |
| Total risk-based capital ratio | 26.8878% | 745 |
| Memoranda: | ||
| Average total assets | $175,025,200 | 3,232 |
| Average earning assets | $163,001,600 | 3,213 |
| Average equity | $34,314,000 | 2,073 |
| Average total loans | $134,566,000 | 2,811 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 577 |
| Cost of funding earning assets | 0.4998% | 2,208 |
| Net interest margin | 4.5323% | 613 |
| Noninterest income to average assets | 1.3316% | 685 |
| Noninterest expense to average assets | 3.2761% | 1,762 |
| Loan and lease loss provision to assets | 0.2184% | 874 |
| Net operating income to assets | 2.0679% | 323 |
| Return on assets (ROA) | 2.0679% | 342 |
| Pretax return on assets | 2.0679% | 531 |
| Return on Equity (ROE) | 10.5565% | 1,879 |
| Retained earnings to average equity (ytd only) | 2.0925% | 4,835 |
| Net charge-offs to loans | 0.5468% | 422 |
| Credit loss provision to net charge-offs | 52.0073% | 3,016 |
| Earnings coverage of net charge-offs (x) | 5.4452% | 3,203 |
| Efficiency ratio | 58.8981% | 5,018 |
| Assets per employee ($millions) | 3.9715% | 3,931 |
| Cash dividends to net income (ytd only)* | 80.1777% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8524% | 1,170 |
| Loan loss allowance to noncurrent loans | 106.7917% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.9574% | 1,054 |
| Noncurrent loans to loans | 1.7346% | 1,382 |
| Net loans and leases to total assets | 74.3329% | 1,672 |
| Net loans and leases to deposits | 102.0324% | 543 |
| Net loans and leases to core deposits | 114.4574% | 649 |
| Total domestic deposits to total assets | 72.8522% | 5,801 |
| Equity capital to assets | 18.7827% | 288 |
| Core capital (leverage) ratio | 18.6513% | 262 |
| Tier 1 risk-based capital ratio | 25.7937% | 791 |
| Total risk-based capital ratio | 27.0527% | 773 |
| Memoranda: | ||
| Average total assets | $174,022,000 | 3,273 |
| Average earning assets | $162,444,750 | 3,247 |
| Average equity | $34,088,750 | 2,101 |
| Average total loans | $133,618,250 | 2,839 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 603 |
| Cost of funding earning assets | 0.4979% | 2,272 |
| Net interest margin | 4.4968% | 642 |
| Noninterest income to average assets | 1.2575% | 769 |
| Noninterest expense to average assets | 3.3413% | 1,597 |
| Loan and lease loss provision to assets | 0.1052% | 2,074 |
| Net operating income to assets | 2.0545% | 332 |
| Return on assets (ROA) | 2.0545% | 349 |
| Pretax return on assets | 2.0545% | 537 |
| Return on Equity (ROE) | 10.3370% | 1,921 |
| Retained earnings to average equity (ytd only) | 0.8585% | 5,220 |
| Net charge-offs to loans | 0.3666% | 707 |
| Credit loss provision to net charge-offs | 37.1901% | 2,853 |
| Earnings coverage of net charge-offs (x) | 7.6364% | 2,651 |
| Efficiency ratio | 60.7393% | 4,871 |
| Assets per employee ($millions) | 3.6155% | 4,598 |
| Cash dividends to net income (ytd only)* | 91.6951% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 1,128 |
| Loan loss allowance to noncurrent loans | 93.5292% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 2.1207% | 1,010 |
| Noncurrent loans to loans | 2.0501% | 1,180 |
| Net loans and leases to total assets | 77.2072% | 1,175 |
| Net loans and leases to deposits | 110.0995% | 259 |
| Net loans and leases to core deposits | 124.2526% | 372 |
| Total domestic deposits to total assets | 70.1249% | 6,032 |
| Equity capital to assets | 19.0826% | 261 |
| Core capital (leverage) ratio | 18.9570% | 236 |
| Tier 1 risk-based capital ratio | 25.3868% | 826 |
| Total risk-based capital ratio | 26.6468% | 814 |
| Memoranda: | ||
| Average total assets | $171,133,000 | 3,329 |
| Average earning assets | $161,491,000 | 3,284 |
| Average equity | $34,013,670 | 2,115 |
| Average total loans | $132,037,330 | 2,876 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9403% | 636 |
| Cost of funding earning assets | 0.5031% | 2,256 |
| Net interest margin | 4.4372% | 676 |
| Noninterest income to average assets | 1.2277% | 752 |
| Noninterest expense to average assets | 3.3096% | 1,701 |
| Loan and lease loss provision to assets | 0.1071% | 1,920 |
| Net operating income to assets | 2.0081% | 334 |
| Return on assets (ROA) | 2.0081% | 352 |
| Pretax return on assets | 2.0081% | 577 |
| Return on Equity (ROE) | 9.8954% | 2,052 |
| Retained earnings to average equity (ytd only) | 3.9277% | 3,641 |
| Net charge-offs to loans | 0.5081% | 495 |
| Credit loss provision to net charge-offs | 27.6074% | 2,294 |
| Earnings coverage of net charge-offs (x) | 5.4540% | 2,386 |
| Efficiency ratio | 61.0088% | 4,967 |
| Assets per employee ($millions) | 3.4922% | 4,910 |
| Cash dividends to net income (ytd only)* | 60.3081% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 980 |
| Loan loss allowance to noncurrent loans | 80.5952% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.4685% | 874 |
| Noncurrent loans to loans | 2.5546% | 947 |
| Net loans and leases to total assets | 75.2801% | 1,314 |
| Net loans and leases to deposits | 103.1493% | 405 |
| Net loans and leases to core deposits | 116.4953% | 512 |
| Total domestic deposits to total assets | 72.9816% | 5,979 |
| Equity capital to assets | 20.0828% | 223 |
| Core capital (leverage) ratio | 19.3636% | 232 |
| Tier 1 risk-based capital ratio | 27.3191% | 691 |
| Total risk-based capital ratio | 28.5810% | 670 |
| Memoranda: | ||
| Average total assets | $168,119,000 | 3,401 |
| Average earning assets | $159,020,000 | 3,335 |
| Average equity | $34,117,000 | 2,122 |
| Average total loans | $128,328,500 | 2,942 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1245% | 602 |
| Cost of funding earning assets | 0.5438% | 2,259 |
| Net interest margin | 4.5807% | 637 |
| Noninterest income to average assets | 1.2416% | 785 |
| Noninterest expense to average assets | 3.2098% | 2,184 |
| Loan and lease loss provision to assets | 0.1697% | 1,537 |
| Net operating income to assets | 2.1396% | 251 |
| Return on assets (ROA) | 2.1396% | 257 |
| Pretax return on assets | 2.1396% | 374 |
| Return on Equity (ROE) | 10.8032% | 1,787 |
| Retained earnings to average equity (ytd only) | 4.9167% | 2,663 |
| Net charge-offs to loans | 0.7420% | 485 |
| Credit loss provision to net charge-offs | 31.1111% | 3,822 |
| Earnings coverage of net charge-offs (x) | 4.2344% | 3,705 |
| Efficiency ratio | 58.1577% | 5,442 |
| Assets per employee ($millions) | 3.3698% | 5,130 |
| Cash dividends to net income (ytd only)* | 54.4888% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2584% | 765 |
| Loan loss allowance to noncurrent loans | 92.2324% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 2.3698% | 989 |
| Noncurrent loans to loans | 2.4486% | 1,049 |
| Net loans and leases to total assets | 74.0705% | 1,572 |
| Net loans and leases to deposits | 100.8310% | 580 |
| Net loans and leases to core deposits | 111.4944% | 711 |
| Total domestic deposits to total assets | 73.4601% | 5,983 |
| Equity capital to assets | 20.5116% | 206 |
| Core capital (leverage) ratio | 19.8135% | 216 |
| Tier 1 risk-based capital ratio | 29.0797% | 560 |
| Total risk-based capital ratio | 30.3450% | 543 |
| Memoranda: | ||
| Average total assets | $165,028,200 | 3,411 |
| Average earning assets | $154,102,800 | 3,379 |
| Average equity | $32,684,800 | 2,129 |
| Average total loans | $121,286,400 | 3,015 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 628 |
| Cost of funding earning assets | 0.5605% | 2,190 |
| Net interest margin | 4.5510% | 683 |
| Noninterest income to average assets | 1.2169% | 825 |
| Noninterest expense to average assets | 3.1610% | 2,292 |
| Loan and lease loss provision to assets | 0.1899% | 1,280 |
| Net operating income to assets | 2.1041% | 280 |
| Return on assets (ROA) | 2.1041% | 291 |
| Pretax return on assets | 2.1041% | 454 |
| Return on Equity (ROE) | 10.7195% | 1,901 |
| Retained earnings to average equity (ytd only) | 2.7992% | 4,611 |
| Net charge-offs to loans | 0.7269% | 471 |
| Credit loss provision to net charge-offs | 35.8232% | 3,356 |
| Earnings coverage of net charge-offs (x) | 4.3278% | 3,486 |
| Efficiency ratio | 57.9470% | 5,452 |
| Assets per employee ($millions) | 3.6638% | 4,550 |
| Cash dividends to net income (ytd only)* | 73.8864% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4491% | 688 |
| Loan loss allowance to noncurrent loans | 75.7386% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 2.8234% | 867 |
| Noncurrent loans to loans | 3.2337% | 778 |
| Net loans and leases to total assets | 73.0802% | 1,668 |
| Net loans and leases to deposits | 98.2285% | 723 |
| Net loans and leases to core deposits | 108.4569% | 827 |
| Total domestic deposits to total assets | 74.3982% | 5,983 |
| Equity capital to assets | 19.9914% | 236 |
| Core capital (leverage) ratio | 19.3029% | 236 |
| Tier 1 risk-based capital ratio | 28.5155% | 613 |
| Total risk-based capital ratio | 29.7835% | 593 |
| Memoranda: | ||
| Average total assets | $165,005,000 | 3,438 |
| Average earning assets | $153,662,250 | 3,412 |
| Average equity | $32,388,750 | 2,151 |
| Average total loans | $120,325,000 | 3,045 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 649 |
| Cost of funding earning assets | 0.5934% | 1,950 |
| Net interest margin | 4.4813% | 729 |
| Noninterest income to average assets | 1.2105% | 796 |
| Noninterest expense to average assets | 3.1009% | 2,496 |
| Loan and lease loss provision to assets | 0.2302% | 992 |
| Net operating income to assets | 2.0430% | 307 |
| Return on assets (ROA) | 2.0430% | 325 |
| Pretax return on assets | 2.0430% | 506 |
| Return on Equity (ROE) | 10.4726% | 1,951 |
| Retained earnings to average equity (ytd only) | 1.9442% | 4,908 |
| Net charge-offs to loans | 0.8485% | 443 |
| Credit loss provision to net charge-offs | 37.5494% | 2,955 |
| Earnings coverage of net charge-offs (x) | 3.7075% | 3,237 |
| Efficiency ratio | 57.7001% | 5,593 |
| Assets per employee ($millions) | 3.4380% | 4,978 |
| Cash dividends to net income (ytd only)* | 81.4353% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6216% | 591 |
| Loan loss allowance to noncurrent loans | 77.7447% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 2.8463% | 912 |
| Noncurrent loans to loans | 3.3720% | 814 |
| Net loans and leases to total assets | 70.4536% | 2,009 |
| Net loans and leases to deposits | 95.9147% | 810 |
| Net loans and leases to core deposits | 106.1956% | 886 |
| Total domestic deposits to total assets | 73.4544% | 6,156 |
| Equity capital to assets | 19.7113% | 230 |
| Core capital (leverage) ratio | 19.0406% | 241 |
| Tier 1 risk-based capital ratio | 28.7911% | 597 |
| Total risk-based capital ratio | 30.0615% | 581 |
| Memoranda: | ||
| Average total assets | $165,049,670 | 3,458 |
| Average earning assets | $153,348,670 | 3,424 |
| Average equity | $32,198,330 | 2,151 |
| Average total loans | $119,262,330 | 3,075 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 830 |
| Cost of funding earning assets | 0.6075% | 1,916 |
| Net interest margin | 4.3172% | 967 |
| Noninterest income to average assets | 1.1535% | 835 |
| Noninterest expense to average assets | 3.2109% | 2,195 |
| Loan and lease loss provision to assets | 0.1090% | 2,116 |
| Net operating income to assets | 1.8805% | 414 |
| Return on assets (ROA) | 1.8805% | 435 |
| Pretax return on assets | 1.8805% | 680 |
| Return on Equity (ROE) | 9.6899% | 2,159 |
| Retained earnings to average equity (ytd only) | 4.2081% | 3,605 |
| Net charge-offs to loans | 0.9765% | 346 |
| Credit loss provision to net charge-offs | 15.4639% | 2,556 |
| Earnings coverage of net charge-offs (x) | 2.8213% | 2,791 |
| Efficiency ratio | 61.7428% | 5,164 |
| Assets per employee ($millions) | 3.5100% | 4,901 |
| Cash dividends to net income (ytd only)* | 56.5722% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6865% | 639 |
| Loan loss allowance to noncurrent loans | 68.4785% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 3.4388% | 764 |
| Noncurrent loans to loans | 3.9231% | 691 |
| Net loans and leases to total assets | 70.2640% | 1,841 |
| Net loans and leases to deposits | 95.2199% | 701 |
| Net loans and leases to core deposits | 105.9581% | 758 |
| Total domestic deposits to total assets | 73.7913% | 6,258 |
| Equity capital to assets | 19.6027% | 233 |
| Core capital (leverage) ratio | 19.0315% | 244 |
| Tier 1 risk-based capital ratio | 28.8673% | 583 |
| Total risk-based capital ratio | 30.1382% | 571 |
| Memoranda: | ||
| Average total assets | $165,063,500 | 3,481 |
| Average earning assets | $154,730,500 | 3,423 |
| Average equity | $32,033,500 | 2,151 |
| Average total loans | $119,196,500 | 3,087 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1554% | 700 |
| Cost of funding earning assets | 0.7576% | 1,457 |
| Net interest margin | 4.3978% | 913 |
| Noninterest income to average assets | 1.5993% | 560 |
| Noninterest expense to average assets | 3.0843% | 2,783 |
| Loan and lease loss provision to assets | 0.2272% | 1,604 |
| Net operating income to assets | 2.2892% | 213 |
| Return on assets (ROA) | 2.2892% | 218 |
| Pretax return on assets | 2.2892% | 268 |
| Return on Equity (ROE) | 12.2259% | 1,345 |
| Retained earnings to average equity (ytd only) | 4.8693% | 2,687 |
| Net charge-offs to loans | 0.9602% | 622 |
| Credit loss provision to net charge-offs | 32.9861% | 4,185 |
| Earnings coverage of net charge-offs (x) | 3.6536% | 3,795 |
| Efficiency ratio | 55.0705% | 6,043 |
| Assets per employee ($millions) | 3.5139% | 4,872 |
| Cash dividends to net income (ytd only)* | 60.1724% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8891% | 528 |
| Loan loss allowance to noncurrent loans | 67.0298% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 3.8025% | 721 |
| Noncurrent loans to loans | 4.3101% | 636 |
| Net loans and leases to total assets | 70.1347% | 1,990 |
| Net loans and leases to deposits | 95.4347% | 771 |
| Net loans and leases to core deposits | 106.2036% | 785 |
| Total domestic deposits to total assets | 73.4898% | 6,319 |
| Equity capital to assets | 19.2110% | 250 |
| Core capital (leverage) ratio | 18.6668% | 259 |
| Tier 1 risk-based capital ratio | 28.4286% | 587 |
| Total risk-based capital ratio | 29.7021% | 570 |
| Memoranda: | ||
| Average total assets | $167,263,800 | 3,453 |
| Average earning assets | $152,189,800 | 3,466 |
| Average equity | $31,318,800 | 2,166 |
| Average total loans | $119,977,400 | 3,039 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 677 |
| Cost of funding earning assets | 0.7829% | 1,415 |
| Net interest margin | 4.3999% | 895 |
| Noninterest income to average assets | 1.5193% | 629 |
| Noninterest expense to average assets | 3.0776% | 2,737 |
| Loan and lease loss provision to assets | 0.1073% | 2,970 |
| Net operating income to assets | 2.3044% | 214 |
| Return on assets (ROA) | 2.3044% | 224 |
| Pretax return on assets | 2.3044% | 316 |
| Return on Equity (ROE) | 12.3863% | 1,376 |
| Retained earnings to average equity (ytd only) | 2.5456% | 4,796 |
| Net charge-offs to loans | 0.5437% | 1,171 |
| Credit loss provision to net charge-offs | 27.5510% | 3,941 |
| Earnings coverage of net charge-offs (x) | 6.1939% | 3,019 |
| Efficiency ratio | 56.0654% | 5,893 |
| Assets per employee ($millions) | 3.3824% | 5,100 |
| Cash dividends to net income (ytd only)* | 79.4482% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2610% | 426 |
| Loan loss allowance to noncurrent loans | 59.7710% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 4.5632% | 657 |
| Noncurrent loans to loans | 5.4558% | 506 |
| Net loans and leases to total assets | 69.1432% | 2,110 |
| Net loans and leases to deposits | 92.9402% | 905 |
| Net loans and leases to core deposits | 102.9650% | 936 |
| Total domestic deposits to total assets | 74.3954% | 6,343 |
| Equity capital to assets | 18.6183% | 284 |
| Core capital (leverage) ratio | 17.8431% | 311 |
| Tier 1 risk-based capital ratio | 27.5409% | 661 |
| Total risk-based capital ratio | 28.8191% | 645 |
| Memoranda: | ||
| Average total assets | $167,791,000 | 3,482 |
| Average earning assets | $151,393,750 | 3,511 |
| Average equity | $31,216,500 | 2,193 |
| Average total loans | $120,152,500 | 3,056 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1567% | 685 |
| Cost of funding earning assets | 0.8058% | 1,382 |
| Net interest margin | 4.3509% | 934 |
| Noninterest income to average assets | 1.6121% | 614 |
| Noninterest expense to average assets | 3.0806% | 2,723 |
| Loan and lease loss provision to assets | 0.1068% | 3,012 |
| Net operating income to assets | 2.3220% | 210 |
| Return on assets (ROA) | 2.3220% | 222 |
| Pretax return on assets | 2.3220% | 338 |
| Return on Equity (ROE) | 12.4840% | 1,362 |
| Retained earnings to average equity (ytd only) | 1.6531% | 5,198 |
| Net charge-offs to loans | 0.4921% | 1,328 |
| Credit loss provision to net charge-offs | 30.3030% | 3,585 |
| Earnings coverage of net charge-offs (x) | 6.8889% | 2,632 |
| Efficiency ratio | 55.9147% | 5,975 |
| Assets per employee ($millions) | 3.5746% | 4,693 |
| Cash dividends to net income (ytd only)* | 86.7587% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3673% | 413 |
| Loan loss allowance to noncurrent loans | 61.3678% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 4.6344% | 693 |
| Noncurrent loans to loans | 5.4871% | 560 |
| Net loans and leases to total assets | 68.5132% | 2,145 |
| Net loans and leases to deposits | 93.2825% | 859 |
| Net loans and leases to core deposits | 103.0308% | 882 |
| Total domestic deposits to total assets | 73.4471% | 6,476 |
| Equity capital to assets | 18.4442% | 290 |
| Core capital (leverage) ratio | 17.5735% | 316 |
| Tier 1 risk-based capital ratio | 27.0256% | 692 |
| Total risk-based capital ratio | 28.3050% | 679 |
| Memoranda: | ||
| Average total assets | $168,474,670 | 3,491 |
| Average earning assets | $150,911,670 | 3,534 |
| Average equity | $31,336,000 | 2,196 |
| Average total loans | $120,716,330 | 3,056 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2253% | 582 |
| Cost of funding earning assets | 0.8326% | 1,353 |
| Net interest margin | 4.3927% | 816 |
| Noninterest income to average assets | 1.3846% | 805 |
| Noninterest expense to average assets | 3.1059% | 2,655 |
| Loan and lease loss provision to assets | 0.1067% | 2,914 |
| Net operating income to assets | 2.1125% | 286 |
| Return on assets (ROA) | 2.1125% | 312 |
| Pretax return on assets | 2.1125% | 481 |
| Return on Equity (ROE) | 11.3105% | 1,612 |
| Retained earnings to average equity (ytd only) | 3.9479% | 3,869 |
| Net charge-offs to loans | 0.6221% | 979 |
| Credit loss provision to net charge-offs | 23.8095% | 2,981 |
| Earnings coverage of net charge-offs (x) | 4.9524% | 2,439 |
| Efficiency ratio | 58.3259% | 5,807 |
| Assets per employee ($millions) | 3.4632% | 5,060 |
| Cash dividends to net income (ytd only)* | 65.0954% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4184% | 452 |
| Loan loss allowance to noncurrent loans | 60.3734% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 4.9069% | 747 |
| Noncurrent loans to loans | 5.6621% | 621 |
| Net loans and leases to total assets | 69.2417% | 1,791 |
| Net loans and leases to deposits | 94.7795% | 621 |
| Net loans and leases to core deposits | 105.9197% | 646 |
| Total domestic deposits to total assets | 73.0556% | 6,594 |
| Equity capital to assets | 18.9978% | 266 |
| Core capital (leverage) ratio | 17.7711% | 298 |
| Tier 1 risk-based capital ratio | 27.2325% | 684 |
| Total risk-based capital ratio | 28.5130% | 677 |
| Memoranda: | ||
| Average total assets | $168,710,000 | 3,524 |
| Average earning assets | $151,342,000 | 3,568 |
| Average equity | $31,510,500 | 2,211 |
| Average total loans | $121,516,500 | 3,054 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5337% | 582 |
| Cost of funding earning assets | 1.0216% | 1,242 |
| Net interest margin | 4.5121% | 925 |
| Noninterest income to average assets | 1.5701% | 641 |
| Noninterest expense to average assets | 3.0559% | 3,071 |
| Loan and lease loss provision to assets | 0.3056% | 2,239 |
| Net operating income to assets | 2.3485% | 192 |
| Return on assets (ROA) | 2.3485% | 208 |
| Pretax return on assets | 2.3485% | 312 |
| Return on Equity (ROE) | 13.3127% | 1,152 |
| Retained earnings to average equity (ytd only) | 5.2967% | 2,502 |
| Net charge-offs to loans | 0.3319% | 2,977 |
| Credit loss provision to net charge-offs | 124.4076% | 2,286 |
| Earnings coverage of net charge-offs (x) | 10.8033% | 2,103 |
| Efficiency ratio | 53.5175% | 6,318 |
| Assets per employee ($millions) | 3.5664% | 4,858 |
| Cash dividends to net income (ytd only)* | 60.2132% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4056% | 465 |
| Loan loss allowance to noncurrent loans | 66.3625% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 4.5728% | 901 |
| Noncurrent loans to loans | 5.1318% | 760 |
| Net loans and leases to total assets | 69.8875% | 1,862 |
| Net loans and leases to deposits | 98.1347% | 500 |
| Net loans and leases to core deposits | 111.5673% | 485 |
| Total domestic deposits to total assets | 71.2159% | 6,730 |
| Equity capital to assets | 18.3661% | 305 |
| Core capital (leverage) ratio | 17.0458% | 350 |
| Tier 1 risk-based capital ratio | 25.4433% | 806 |
| Total risk-based capital ratio | 26.7230% | 798 |
| Memoranda: | ||
| Average total assets | $171,768,200 | 3,428 |
| Average earning assets | $157,597,600 | 3,409 |
| Average equity | $30,301,800 | 2,230 |
| Average total loans | $127,158,600 | 2,931 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5762% | 578 |
| Cost of funding earning assets | 1.0322% | 1,381 |
| Net interest margin | 4.5440% | 912 |
| Noninterest income to average assets | 1.4836% | 680 |
| Noninterest expense to average assets | 3.0418% | 3,089 |
| Loan and lease loss provision to assets | 0.2753% | 2,375 |
| Net operating income to assets | 2.3492% | 226 |
| Return on assets (ROA) | 2.3492% | 242 |
| Pretax return on assets | 2.3492% | 370 |
| Return on Equity (ROE) | 13.4542% | 1,236 |
| Retained earnings to average equity (ytd only) | 2.6651% | 4,962 |
| Net charge-offs to loans | 0.2334% | 3,324 |
| Credit loss provision to net charge-offs | 158.4821% | 1,769 |
| Earnings coverage of net charge-offs (x) | 15.1071% | 1,789 |
| Efficiency ratio | 53.6819% | 6,287 |
| Assets per employee ($millions) | 3.7426% | 4,439 |
| Cash dividends to net income (ytd only)* | 80.1915% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3234% | 538 |
| Loan loss allowance to noncurrent loans | 74.4390% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 4.1000% | 1,173 |
| Noncurrent loans to loans | 4.4646% | 1,061 |
| Net loans and leases to total assets | 70.2167% | 1,872 |
| Net loans and leases to deposits | 97.1931% | 588 |
| Net loans and leases to core deposits | 109.4138% | 591 |
| Total domestic deposits to total assets | 72.2445% | 6,732 |
| Equity capital to assets | 17.3390% | 417 |
| Core capital (leverage) ratio | 16.4807% | 429 |
| Tier 1 risk-based capital ratio | 24.1368% | 1,006 |
| Total risk-based capital ratio | 25.4148% | 979 |
| Memoranda: | ||
| Average total assets | $171,914,000 | 3,452 |
| Average earning assets | $158,240,250 | 3,445 |
| Average equity | $30,017,250 | 2,268 |
| Average total loans | $127,984,500 | 2,954 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5537% | 638 |
| Cost of funding earning assets | 1.0494% | 1,474 |
| Net interest margin | 4.5043% | 986 |
| Noninterest income to average assets | 1.5019% | 649 |
| Noninterest expense to average assets | 3.0730% | 3,004 |
| Loan and lease loss provision to assets | 0.3048% | 2,159 |
| Net operating income to assets | 2.3109% | 236 |
| Return on assets (ROA) | 2.3109% | 265 |
| Pretax return on assets | 2.3109% | 404 |
| Return on Equity (ROE) | 13.2032% | 1,308 |
| Retained earnings to average equity (ytd only) | 1.0450% | 5,657 |
| Net charge-offs to loans | 0.2499% | 3,080 |
| Credit loss provision to net charge-offs | 162.5000% | 1,714 |
| Earnings coverage of net charge-offs (x) | 13.9438% | 1,749 |
| Efficiency ratio | 54.0190% | 6,313 |
| Assets per employee ($millions) | 3.5067% | 4,966 |
| Cash dividends to net income (ytd only)* | 92.0852% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2978% | 593 |
| Loan loss allowance to noncurrent loans | 73.8179% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 4.2263% | 1,184 |
| Noncurrent loans to loans | 4.4675% | 1,190 |
| Net loans and leases to total assets | 71.9305% | 1,567 |
| Net loans and leases to deposits | 102.4834% | 322 |
| Net loans and leases to core deposits | 116.1617% | 391 |
| Total domestic deposits to total assets | 70.1875% | 6,898 |
| Equity capital to assets | 17.4617% | 387 |
| Core capital (leverage) ratio | 16.2617% | 437 |
| Tier 1 risk-based capital ratio | 23.3176% | 1,092 |
| Total risk-based capital ratio | 24.5950% | 1,072 |
| Memoranda: | ||
| Average total assets | $170,584,000 | 3,491 |
| Average earning assets | $158,560,000 | 3,455 |
| Average equity | $29,856,330 | 2,264 |
| Average total loans | $128,059,330 | 2,964 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6139% | 611 |
| Cost of funding earning assets | 1.0645% | 1,599 |
| Net interest margin | 4.5494% | 920 |
| Noninterest income to average assets | 1.5603% | 595 |
| Noninterest expense to average assets | 3.2148% | 2,555 |
| Loan and lease loss provision to assets | 0.3059% | 2,060 |
| Net operating income to assets | 2.2640% | 253 |
| Return on assets (ROA) | 2.2640% | 305 |
| Pretax return on assets | 2.2640% | 480 |
| Return on Equity (ROE) | 12.9203% | 1,426 |
| Retained earnings to average equity (ytd only) | 5.0499% | 3,527 |
| Net charge-offs to loans | 0.1498% | 3,198 |
| Credit loss provision to net charge-offs | 270.8333% | 1,077 |
| Earnings coverage of net charge-offs (x) | 22.7500% | 1,115 |
| Efficiency ratio | 55.5736% | 6,170 |
| Assets per employee ($millions) | 3.5727% | 4,953 |
| Cash dividends to net income (ytd only)* | 60.9148% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2642% | 638 |
| Loan loss allowance to noncurrent loans | 66.5873% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 4.4323% | 1,214 |
| Noncurrent loans to loans | 4.9022% | 1,158 |
| Net loans and leases to total assets | 72.5284% | 1,312 |
| Net loans and leases to deposits | 101.8356% | 315 |
| Net loans and leases to core deposits | 116.3954% | 375 |
| Total domestic deposits to total assets | 71.2211% | 6,923 |
| Equity capital to assets | 17.4681% | 382 |
| Core capital (leverage) ratio | 16.5264% | 408 |
| Tier 1 risk-based capital ratio | 23.5588% | 1,059 |
| Total risk-based capital ratio | 24.8369% | 1,042 |
| Memoranda: | ||
| Average total assets | $169,962,500 | 3,517 |
| Average earning assets | $157,822,500 | 3,474 |
| Average equity | $29,782,500 | 2,275 |
| Average total loans | $128,183,500 | 2,975 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8424% | 586 |
| Cost of funding earning assets | 1.1854% | 2,127 |
| Net interest margin | 4.6569% | 820 |
| Noninterest income to average assets | 1.4217% | 644 |
| Noninterest expense to average assets | 2.9949% | 3,611 |
| Loan and lease loss provision to assets | 0.3405% | 2,974 |
| Net operating income to assets | 2.4105% | 156 |
| Return on assets (ROA) | 2.4105% | 164 |
| Pretax return on assets | 2.4105% | 248 |
| Return on Equity (ROE) | 14.5631% | 821 |
| Retained earnings to average equity (ytd only) | 5.5090% | 2,293 |
| Net charge-offs to loans | 0.4486% | 3,185 |
| Credit loss provision to net charge-offs | 100.5245% | 3,473 |
| Earnings coverage of net charge-offs (x) | 8.1224% | 2,209 |
| Efficiency ratio | 52.1228% | 6,690 |
| Assets per employee ($millions) | 3.5091% | 4,990 |
| Cash dividends to net income (ytd only)* | 62.1715% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2201% | 670 |
| Loan loss allowance to noncurrent loans | 64.5693% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 4.5656% | 1,198 |
| Noncurrent loans to loans | 4.9870% | 1,130 |
| Net loans and leases to total assets | 73.4265% | 1,371 |
| Net loans and leases to deposits | 103.4625% | 324 |
| Net loans and leases to core deposits | 117.7923% | 403 |
| Total domestic deposits to total assets | 70.9692% | 6,936 |
| Equity capital to assets | 17.5789% | 376 |
| Core capital (leverage) ratio | 16.5357% | 410 |
| Tier 1 risk-based capital ratio | 23.3772% | 1,052 |
| Total risk-based capital ratio | 24.6541% | 1,027 |
| Memoranda: | ||
| Average total assets | $168,887,600 | 3,511 |
| Average earning assets | $156,819,800 | 3,455 |
| Average equity | $27,954,200 | 2,330 |
| Average total loans | $127,519,200 | 3,029 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8569% | 610 |
| Cost of funding earning assets | 1.1882% | 2,398 |
| Net interest margin | 4.6687% | 816 |
| Noninterest income to average assets | 1.3404% | 728 |
| Noninterest expense to average assets | 2.9798% | 3,634 |
| Loan and lease loss provision to assets | 0.3037% | 3,100 |
| Net operating income to assets | 2.3873% | 185 |
| Return on assets (ROA) | 2.3873% | 194 |
| Pretax return on assets | 2.3873% | 307 |
| Return on Equity (ROE) | 14.6496% | 907 |
| Retained earnings to average equity (ytd only) | 2.4013% | 4,922 |
| Net charge-offs to loans | 0.4028% | 3,109 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 8.8598% | 2,117 |
| Efficiency ratio | 52.5459% | 6,631 |
| Assets per employee ($millions) | 3.6032% | 4,755 |
| Cash dividends to net income (ytd only)* | 83.6087% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2200% | 706 |
| Loan loss allowance to noncurrent loans | 68.6936% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 4.1265% | 1,485 |
| Noncurrent loans to loans | 4.6875% | 1,377 |
| Net loans and leases to total assets | 71.4579% | 1,825 |
| Net loans and leases to deposits | 99.0376% | 514 |
| Net loans and leases to core deposits | 115.0209% | 527 |
| Total domestic deposits to total assets | 72.1523% | 6,926 |
| Equity capital to assets | 16.4257% | 561 |
| Core capital (leverage) ratio | 15.8726% | 522 |
| Tier 1 risk-based capital ratio | 22.3215% | 1,234 |
| Total risk-based capital ratio | 23.5965% | 1,210 |
| Memoranda: | ||
| Average total assets | $169,000,750 | 3,540 |
| Average earning assets | $156,756,250 | 3,486 |
| Average equity | $27,540,500 | 2,357 |
| Average total loans | $127,451,250 | 3,054 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8458% | 659 |
| Cost of funding earning assets | 1.2013% | 2,579 |
| Net interest margin | 4.6445% | 833 |
| Noninterest income to average assets | 1.4146% | 637 |
| Noninterest expense to average assets | 3.0916% | 3,287 |
| Loan and lease loss provision to assets | 0.3161% | 2,897 |
| Net operating income to assets | 2.3556% | 203 |
| Return on assets (ROA) | 2.3556% | 215 |
| Pretax return on assets | 2.3556% | 311 |
| Return on Equity (ROE) | 14.4949% | 890 |
| Retained earnings to average equity (ytd only) | 0.4330% | 5,672 |
| Net charge-offs to loans | 0.3596% | 3,118 |
| Credit loss provision to net charge-offs | 115.7205% | 2,644 |
| Earnings coverage of net charge-offs (x) | 9.7817% | 1,875 |
| Efficiency ratio | 53.6424% | 6,651 |
| Assets per employee ($millions) | 3.4981% | 4,944 |
| Cash dividends to net income (ytd only)* | 97.0127% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2639% | 718 |
| Loan loss allowance to noncurrent loans | 78.4566% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 3.8402% | 1,684 |
| Noncurrent loans to loans | 4.1602% | 1,638 |
| Net loans and leases to total assets | 73.2170% | 1,551 |
| Net loans and leases to deposits | 101.8829% | 400 |
| Net loans and leases to core deposits | 120.1376% | 414 |
| Total domestic deposits to total assets | 71.8639% | 7,014 |
| Equity capital to assets | 16.3922% | 559 |
| Core capital (leverage) ratio | 15.5593% | 565 |
| Tier 1 risk-based capital ratio | 21.9499% | 1,265 |
| Total risk-based capital ratio | 23.0790% | 1,255 |
| Memoranda: | ||
| Average total assets | $167,682,670 | 3,575 |
| Average earning assets | $157,002,670 | 3,506 |
| Average equity | $27,251,000 | 2,364 |
| Average total loans | $127,367,670 | 3,086 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8505% | 668 |
| Cost of funding earning assets | 1.2134% | 2,727 |
| Net interest margin | 4.6370% | 802 |
| Noninterest income to average assets | 1.5206% | 564 |
| Noninterest expense to average assets | 3.1509% | 3,067 |
| Loan and lease loss provision to assets | 0.4058% | 2,161 |
| Net operating income to assets | 2.3059% | 228 |
| Return on assets (ROA) | 2.3059% | 240 |
| Pretax return on assets | 2.3059% | 342 |
| Return on Equity (ROE) | 14.2507% | 945 |
| Retained earnings to average equity (ytd only) | 4.1159% | 3,696 |
| Net charge-offs to loans | 0.4423% | 2,372 |
| Credit loss provision to net charge-offs | 120.5674% | 2,266 |
| Earnings coverage of net charge-offs (x) | 8.0567% | 1,865 |
| Efficiency ratio | 53.7459% | 6,714 |
| Assets per employee ($millions) | 3.5553% | 4,864 |
| Cash dividends to net income (ytd only)* | 71.1180% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2454% | 748 |
| Loan loss allowance to noncurrent loans | 100.0725% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 3.0747% | 2,242 |
| Noncurrent loans to loans | 3.2430% | 2,319 |
| Net loans and leases to total assets | 72.3607% | 1,642 |
| Net loans and leases to deposits | 98.0647% | 568 |
| Net loans and leases to core deposits | 117.5566% | 487 |
| Total domestic deposits to total assets | 73.7888% | 6,924 |
| Equity capital to assets | 16.0338% | 568 |
| Core capital (leverage) ratio | 15.9370% | 510 |
| Tier 1 risk-based capital ratio | 21.6473% | 1,293 |
| Total risk-based capital ratio | 22.9232% | 1,262 |
| Memoranda: | ||
| Average total assets | $167,569,500 | 3,600 |
| Average earning assets | $156,910,500 | 3,523 |
| Average equity | $27,114,500 | 2,366 |
| Average total loans | $127,508,500 | 3,111 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1979% | 565 |
| Cost of funding earning assets | 1.4804% | 2,758 |
| Net interest margin | 4.7175% | 789 |
| Noninterest income to average assets | 1.4401% | 693 |
| Noninterest expense to average assets | 3.0338% | 3,716 |
| Loan and lease loss provision to assets | 0.3465% | 4,054 |
| Net operating income to assets | 2.4836% | 116 |
| Return on assets (ROA) | 2.4752% | 122 |
| Pretax return on assets | 2.4752% | 189 |
| Return on Equity (ROE) | 15.7032% | 613 |
| Retained earnings to average equity (ytd only) | 6.0474% | 1,789 |
| Net charge-offs to loans | 0.2130% | 5,010 |
| Credit loss provision to net charge-offs | 212.9630% | 1,431 |
| Earnings coverage of net charge-offs (x) | 17.3963% | 1,153 |
| Efficiency ratio | 51.7365% | 7,004 |
| Assets per employee ($millions) | 3.4268% | 5,113 |
| Cash dividends to net income (ytd only)* | 61.4898% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2287% | 716 |
| Loan loss allowance to noncurrent loans | 104.5767% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 2.9838% | 2,357 |
| Noncurrent loans to loans | 3.0874% | 2,469 |
| Net loans and leases to total assets | 74.9463% | 1,484 |
| Net loans and leases to deposits | 103.3310% | 429 |
| Net loans and leases to core deposits | 122.8740% | 450 |
| Total domestic deposits to total assets | 72.5304% | 7,038 |
| Equity capital to assets | 16.3338% | 537 |
| Core capital (leverage) ratio | 15.6891% | 547 |
| Tier 1 risk-based capital ratio | 22.0823% | 1,166 |
| Total risk-based capital ratio | 23.3591% | 1,129 |
| Memoranda: | ||
| Average total assets | $165,965,800 | 3,606 |
| Average earning assets | $155,634,400 | 3,531 |
| Average equity | $26,160,200 | 2,445 |
| Average total loans | $126,772,000 | 3,185 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2035% | 612 |
| Cost of funding earning assets | 1.4964% | 3,002 |
| Net interest margin | 4.7071% | 834 |
| Noninterest income to average assets | 1.3066% | 808 |
| Noninterest expense to average assets | 3.0556% | 3,554 |
| Loan and lease loss provision to assets | 0.2525% | 4,567 |
| Net operating income to assets | 2.4111% | 163 |
| Return on assets (ROA) | 2.3999% | 171 |
| Pretax return on assets | 2.3999% | 272 |
| Return on Equity (ROE) | 15.3632% | 797 |
| Retained earnings to average equity (ytd only) | 2.4014% | 4,737 |
| Net charge-offs to loans | 0.1200% | 5,349 |
| Credit loss provision to net charge-offs | 276.3158% | 1,186 |
| Earnings coverage of net charge-offs (x) | 29.1484% | 898 |
| Efficiency ratio | 53.4268% | 6,843 |
| Assets per employee ($millions) | 3.5436% | 4,871 |
| Cash dividends to net income (ytd only)* | 84.3688% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1196% | 755 |
| Loan loss allowance to noncurrent loans | 99.1590% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 2.8343% | 2,557 |
| Noncurrent loans to loans | 3.1460% | 2,536 |
| Net loans and leases to total assets | 73.1966% | 1,974 |
| Net loans and leases to deposits | 101.0453% | 580 |
| Net loans and leases to core deposits | 118.1523% | 680 |
| Total domestic deposits to total assets | 72.4394% | 7,092 |
| Equity capital to assets | 15.6220% | 743 |
| Core capital (leverage) ratio | 15.0626% | 708 |
| Tier 1 risk-based capital ratio | 20.4087% | 1,463 |
| Total risk-based capital ratio | 21.6828% | 1,442 |
| Memoranda: | ||
| Average total assets | $166,335,500 | 3,649 |
| Average earning assets | $155,929,500 | 3,574 |
| Average equity | $25,983,500 | 2,499 |
| Average total loans | $126,617,500 | 3,241 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2093% | 611 |
| Cost of funding earning assets | 1.5188% | 3,142 |
| Net interest margin | 4.6905% | 826 |
| Noninterest income to average assets | 1.2236% | 865 |
| Noninterest expense to average assets | 3.0554% | 3,497 |
| Loan and lease loss provision to assets | 0.2060% | 4,817 |
| Net operating income to assets | 2.3734% | 170 |
| Return on assets (ROA) | 2.3564% | 191 |
| Pretax return on assets | 2.3564% | 304 |
| Return on Equity (ROE) | 15.0849% | 847 |
| Retained earnings to average equity (ytd only) | 0.4964% | 5,565 |
| Net charge-offs to loans | 0.2111% | 4,347 |
| Credit loss provision to net charge-offs | 127.8195% | 3,146 |
| Earnings coverage of net charge-offs (x) | 16.0075% | 1,424 |
| Efficiency ratio | 54.2249% | 6,857 |
| Assets per employee ($millions) | 3.4646% | 5,009 |
| Cash dividends to net income (ytd only)* | 96.7095% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0116% | 812 |
| Loan loss allowance to noncurrent loans | 96.7296% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 2.8695% | 2,511 |
| Noncurrent loans to loans | 3.1134% | 2,580 |
| Net loans and leases to total assets | 74.4611% | 1,816 |
| Net loans and leases to deposits | 103.6747% | 499 |
| Net loans and leases to core deposits | 122.1569% | 624 |
| Total domestic deposits to total assets | 71.8218% | 7,193 |
| Equity capital to assets | 15.4613% | 779 |
| Core capital (leverage) ratio | 14.8779% | 751 |
| Tier 1 risk-based capital ratio | 20.3117% | 1,463 |
| Total risk-based capital ratio | 21.5864% | 1,427 |
| Memoranda: | ||
| Average total assets | $165,082,670 | 3,689 |
| Average earning assets | $155,251,000 | 3,612 |
| Average equity | $25,787,330 | 2,504 |
| Average total loans | $125,986,000 | 3,279 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2207% | 613 |
| Cost of funding earning assets | 1.5241% | 3,406 |
| Net interest margin | 4.6966% | 784 |
| Noninterest income to average assets | 1.2282% | 811 |
| Noninterest expense to average assets | 3.0984% | 3,269 |
| Loan and lease loss provision to assets | 0.2067% | 4,435 |
| Net operating income to assets | 2.3371% | 195 |
| Return on assets (ROA) | 2.3371% | 220 |
| Pretax return on assets | 2.3371% | 332 |
| Return on Equity (ROE) | 14.8848% | 901 |
| Retained earnings to average equity (ytd only) | 5.3127% | 2,979 |
| Net charge-offs to loans | 0.1183% | 4,268 |
| Credit loss provision to net charge-offs | 229.7297% | 1,659 |
| Earnings coverage of net charge-offs (x) | 28.2703% | 912 |
| Efficiency ratio | 54.9138% | 6,898 |
| Assets per employee ($millions) | 3.5143% | 4,996 |
| Cash dividends to net income (ytd only)* | 64.3080% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0922% | 762 |
| Loan loss allowance to noncurrent loans | 92.2267% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 3.0223% | 2,374 |
| Noncurrent loans to loans | 3.3528% | 2,384 |
| Net loans and leases to total assets | 73.1628% | 2,163 |
| Net loans and leases to deposits | 99.5658% | 786 |
| Net loans and leases to core deposits | 117.6357% | 883 |
| Total domestic deposits to total assets | 73.4819% | 7,106 |
| Equity capital to assets | 15.7840% | 705 |
| Core capital (leverage) ratio | 15.1113% | 733 |
| Tier 1 risk-based capital ratio | 20.8659% | 1,363 |
| Total risk-based capital ratio | 22.1393% | 1,329 |
| Memoranda: | ||
| Average total assets | $164,474,500 | 3,756 |
| Average earning assets | $154,579,500 | 3,677 |
| Average equity | $25,825,000 | 2,525 |
| Average total loans | $125,142,500 | 3,364 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7108% | 455 |
| Cost of funding earning assets | 1.8967% | 3,478 |
| Net interest margin | 4.8142% | 672 |
| Noninterest income to average assets | 1.7955% | 455 |
| Noninterest expense to average assets | 3.2417% | 3,225 |
| Loan and lease loss provision to assets | 0.5303% | 3,723 |
| Net operating income to assets | 2.5398% | 84 |
| Return on assets (ROA) | 2.5635% | 88 |
| Pretax return on assets | 2.5635% | 146 |
| Return on Equity (ROE) | 16.9687% | 461 |
| Retained earnings to average equity (ytd only) | 6.3349% | 1,208 |
| Net charge-offs to loans | 0.5198% | 3,695 |
| Credit loss provision to net charge-offs | 129.5732% | 3,951 |
| Earnings coverage of net charge-offs (x) | 7.5015% | 2,129 |
| Efficiency ratio | 51.3591% | 7,444 |
| Assets per employee ($millions) | 3.3423% | 5,396 |
| Cash dividends to net income (ytd only)* | 62.6673% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0323% | 751 |
| Loan loss allowance to noncurrent loans | 104.1575% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 2.7361% | 2,552 |
| Noncurrent loans to loans | 2.9112% | 2,649 |
| Net loans and leases to total assets | 74.3551% | 2,175 |
| Net loans and leases to deposits | 103.0210% | 694 |
| Net loans and leases to core deposits | 145.6499% | 619 |
| Total domestic deposits to total assets | 72.1746% | 7,225 |
| Equity capital to assets | 15.6184% | 764 |
| Core capital (leverage) ratio | 15.1100% | 753 |
| Tier 1 risk-based capital ratio | 20.7824% | 1,328 |
| Total risk-based capital ratio | 22.0558% | 1,292 |
| Memoranda: | ||
| Average total assets | $160,285,600 | 3,769 |
| Average earning assets | $150,368,600 | 3,706 |
| Average equity | $24,215,200 | 2,692 |
| Average total loans | $126,212,200 | 3,347 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7503% | 463 |
| Cost of funding earning assets | 1.9440% | 3,647 |
| Net interest margin | 4.8064% | 673 |
| Noninterest income to average assets | 1.8902% | 417 |
| Noninterest expense to average assets | 3.3974% | 2,583 |
| Loan and lease loss provision to assets | 0.4684% | 3,563 |
| Net operating income to assets | 2.5326% | 98 |
| Return on assets (ROA) | 2.5326% | 108 |
| Pretax return on assets | 2.5326% | 180 |
| Return on Equity (ROE) | 16.9104% | 555 |
| Retained earnings to average equity (ytd only) | 2.5298% | 3,905 |
| Net charge-offs to loans | 0.3461% | 3,910 |
| Credit loss provision to net charge-offs | 170.7317% | 2,727 |
| Earnings coverage of net charge-offs (x) | 10.9391% | 1,899 |
| Efficiency ratio | 53.0980% | 7,328 |
| Assets per employee ($millions) | 3.3432% | 5,276 |
| Cash dividends to net income (ytd only)* | 85.0397% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0534% | 646 |
| Loan loss allowance to noncurrent loans | 89.2343% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 3.0964% | 2,216 |
| Noncurrent loans to loans | 3.4218% | 2,195 |
| Net loans and leases to total assets | 73.0501% | 2,776 |
| Net loans and leases to deposits | 98.3157% | 1,287 |
| Net loans and leases to core deposits | 138.5873% | 983 |
| Total domestic deposits to total assets | 74.3016% | 6,898 |
| Equity capital to assets | 14.8347% | 1,055 |
| Core capital (leverage) ratio | 14.4428% | 968 |
| Tier 1 risk-based capital ratio | 19.6917% | 1,619 |
| Total risk-based capital ratio | 20.9657% | 1,570 |
| Memoranda: | ||
| Average total assets | $159,413,250 | 3,804 |
| Average earning assets | $149,519,500 | 3,735 |
| Average equity | $23,874,250 | 2,773 |
| Average total loans | $126,369,500 | 3,377 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8122% | 444 |
| Cost of funding earning assets | 2.0020% | 3,770 |
| Net interest margin | 4.8102% | 640 |
| Noninterest income to average assets | 1.9078% | 402 |
| Noninterest expense to average assets | 3.4305% | 2,536 |
| Loan and lease loss provision to assets | 0.4336% | 3,388 |
| Net operating income to assets | 2.5633% | 100 |
| Return on assets (ROA) | 2.5633% | 111 |
| Pretax return on assets | 2.5633% | 186 |
| Return on Equity (ROE) | 17.0582% | 574 |
| Retained earnings to average equity (ytd only) | 0.7044% | 4,910 |
| Net charge-offs to loans | 0.2008% | 4,282 |
| Credit loss provision to net charge-offs | 267.7165% | 1,742 |
| Earnings coverage of net charge-offs (x) | 18.5039% | 1,408 |
| Efficiency ratio | 53.3730% | 7,395 |
| Assets per employee ($millions) | 3.1151% | 5,826 |
| Cash dividends to net income (ytd only)* | 95.8706% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0759% | 529 |
| Loan loss allowance to noncurrent loans | 102.0806% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 2.8735% | 2,229 |
| Noncurrent loans to loans | 3.0133% | 2,393 |
| Net loans and leases to total assets | 75.9058% | 2,205 |
| Net loans and leases to deposits | 99.8295% | 1,302 |
| Net loans and leases to core deposits | 143.4332% | 857 |
| Total domestic deposits to total assets | 76.0355% | 6,543 |
| Equity capital to assets | 14.7657% | 1,091 |
| Core capital (leverage) ratio | 14.5608% | 1,010 |
| Tier 1 risk-based capital ratio | 19.9136% | 1,597 |
| Total risk-based capital ratio | 21.1883% | 1,549 |
| Memoranda: | ||
| Average total assets | $156,830,330 | 3,879 |
| Average earning assets | $147,353,330 | 3,789 |
| Average equity | $23,566,330 | 2,804 |
| Average total loans | $126,506,670 | 3,411 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8274% | 458 |
| Cost of funding earning assets | 2.0621% | 3,817 |
| Net interest margin | 4.7653% | 660 |
| Noninterest income to average assets | 1.8176% | 416 |
| Noninterest expense to average assets | 3.5042% | 2,090 |
| Loan and lease loss provision to assets | 0.2439% | 4,028 |
| Net operating income to assets | 2.5544% | 119 |
| Return on assets (ROA) | 2.5544% | 146 |
| Pretax return on assets | 2.5544% | 231 |
| Return on Equity (ROE) | 16.8498% | 704 |
| Retained earnings to average equity (ytd only) | 7.7898% | 1,897 |
| Net charge-offs to loans | 0.0627% | 4,576 |
| Credit loss provision to net charge-offs | 475.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 681 |
| Efficiency ratio | 55.6008% | 7,017 |
| Assets per employee ($millions) | 3.2460% | 5,471 |
| Cash dividends to net income (ytd only)* | 53.7688% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8854% | 539 |
| Loan loss allowance to noncurrent loans | 111.9575% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 2.5966% | 2,203 |
| Noncurrent loans to loans | 2.5772% | 2,558 |
| Net loans and leases to total assets | 78.0639% | 1,810 |
| Net loans and leases to deposits | 102.2802% | 1,148 |
| Net loans and leases to core deposits | 147.8149% | 785 |
| Total domestic deposits to total assets | 76.3236% | 6,449 |
| Equity capital to assets | 15.0151% | 1,100 |
| Core capital (leverage) ratio | 15.1184% | 941 |
| Tier 1 risk-based capital ratio | 19.8212% | 1,650 |
| Total risk-based capital ratio | 21.0932% | 1,604 |
| Memoranda: | ||
| Average total assets | $155,811,500 | 3,911 |
| Average earning assets | $146,643,500 | 3,817 |
| Average equity | $23,620,500 | 2,811 |
| Average total loans | $127,551,500 | 3,417 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4474% | 461 |
| Cost of funding earning assets | 2.6894% | 3,211 |
| Net interest margin | 4.7580% | 854 |
| Noninterest income to average assets | 1.6093% | 537 |
| Noninterest expense to average assets | 3.1487% | 3,519 |
| Loan and lease loss provision to assets | 0.3011% | 3,964 |
| Net operating income to assets | 2.6272% | 100 |
| Return on assets (ROA) | 2.6272% | 102 |
| Pretax return on assets | 2.6272% | 152 |
| Return on Equity (ROE) | 18.2920% | 504 |
| Retained earnings to average equity (ytd only) | 6.8021% | 1,221 |
| Net charge-offs to loans | 0.4503% | 2,577 |
| Credit loss provision to net charge-offs | 81.3149% | 5,875 |
| Earnings coverage of net charge-offs (x) | 7.9083% | 2,997 |
| Efficiency ratio | 51.8132% | 7,509 |
| Assets per employee ($millions) | 3.1137% | 5,740 |
| Cash dividends to net income (ytd only)* | 62.8139% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8401% | 498 |
| Loan loss allowance to noncurrent loans | 104.4509% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 2.5143% | 1,925 |
| Noncurrent loans to loans | 2.7190% | 1,994 |
| Net loans and leases to total assets | 81.0362% | 1,430 |
| Net loans and leases to deposits | 106.6783% | 1,068 |
| Net loans and leases to core deposits | 153.8099% | 721 |
| Total domestic deposits to total assets | 75.9632% | 6,248 |
| Equity capital to assets | 15.3103% | 1,086 |
| Core capital (leverage) ratio | 15.0541% | 1,018 |
| Tier 1 risk-based capital ratio | 19.7517% | 1,659 |
| Total risk-based capital ratio | 21.0238% | 1,613 |
| Memoranda: | ||
| Average total assets | $156,095,400 | 3,784 |
| Average earning assets | $146,573,800 | 3,714 |
| Average equity | $22,419,600 | 2,921 |
| Average total loans | $128,349,600 | 3,298 |