Home > First Keystone Community Bank > Performance and Condition Ratios
First Keystone Community Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3950% | 2,342 |
| Cost of funding earning assets | 2.8764% | 606 |
| Net interest margin | 2.5186% | 3,882 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 3.5454% | 564 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | -0.8651% | 4,389 |
| Return on assets (ROA) | -0.8651% | 4,422 |
| Pretax return on assets | -0.8506% | 4,405 |
| Return on Equity (ROE) | -9.8500% | 4,412 |
| Retained earnings to average equity (ytd only) | -11.2597% | 4,400 |
| Net charge-offs to loans | 0.0965% | 1,202 |
| Credit loss provision to net charge-offs | 183.6506% | 1,211 |
| Earnings coverage of net charge-offs (x) | -11.7637% | 4,466 |
| Efficiency ratio | 78.3499% | 1,173 |
| Assets per employee ($millions) | 6.8226% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 3,853 |
| Loan loss allowance to noncurrent loans | 159.2362% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 1,904 |
| Noncurrent loans to loans | 0.5080% | 1,809 |
| Net loans and leases to total assets | 65.9800% | 2,364 |
| Net loans and leases to deposits | 89.5445% | 1,245 |
| Net loans and leases to core deposits | 103.0493% | 1,270 |
| Total domestic deposits to total assets | 73.6800% | 4,070 |
| Equity capital to assets | 8.7852% | 2,983 |
| Core capital (leverage) ratio | 10.2368% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6991% | 1,340 |
| Memoranda: | ||
| Average total assets | $1,420,337,400 | 767 |
| Average earning assets | $1,323,528,200 | 757 |
| Average equity | $124,754,800 | 854 |
| Average total loans | $925,218,600 | 809 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2570% | 2,435 |
| Cost of funding earning assets | 2.8212% | 636 |
| Net interest margin | 2.4358% | 3,956 |
| Noninterest income to average assets | 0.4400% | 2,147 |
| Noninterest expense to average assets | 4.8988% | 240 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | -2.3094% | 4,490 |
| Return on assets (ROA) | -2.3094% | 4,525 |
| Pretax return on assets | -2.3042% | 4,524 |
| Return on Equity (ROE) | -26.2900% | 4,506 |
| Retained earnings to average equity (ytd only) | -26.2896% | 4,517 |
| Net charge-offs to loans | 0.0026% | 2,434 |
| Credit loss provision to net charge-offs | 6,450.0000% | 81 |
| Earnings coverage of net charge-offs (x) | -1,289.6667% | 4,564 |
| Efficiency ratio | 80.8874% | 1,062 |
| Assets per employee ($millions) | 6.4692% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8333% | 3,858 |
| Loan loss allowance to noncurrent loans | 157.5205% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 1,782 |
| Noncurrent loans to loans | 0.5290% | 1,687 |
| Net loans and leases to total assets | 64.5700% | 2,494 |
| Net loans and leases to deposits | 92.2601% | 1,095 |
| Net loans and leases to core deposits | 102.0918% | 1,364 |
| Total domestic deposits to total assets | 69.9900% | 4,235 |
| Equity capital to assets | 8.3313% | 3,209 |
| Core capital (leverage) ratio | 10.2296% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8700% | 1,301 |
| Memoranda: | ||
| Average total assets | $1,412,991,333 | 766 |
| Average earning assets | $1,313,493,667 | 758 |
| Average equity | $124,125,000 | 850 |
| Average total loans | $914,347,667 | 811 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 2,466 |
| Cost of funding earning assets | 2.8102% | 593 |
| Net interest margin | 2.3614% | 4,048 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 2.2329% | 2,979 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.2492% | 3,900 |
| Return on assets (ROA) | 0.2492% | 3,938 |
| Pretax return on assets | 0.2917% | 3,925 |
| Return on Equity (ROE) | 2.5900% | 3,924 |
| Retained earnings to average equity (ytd only) | 2.5914% | 3,095 |
| Net charge-offs to loans | -0.0031% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 85.7297% | 798 |
| Assets per employee ($millions) | 6.3993% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 3,965 |
| Loan loss allowance to noncurrent loans | 150.4810% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 1,758 |
| Noncurrent loans to loans | 0.5258% | 1,609 |
| Net loans and leases to total assets | 63.2300% | 2,544 |
| Net loans and leases to deposits | 91.1179% | 1,115 |
| Net loans and leases to core deposits | 101.8169% | 1,311 |
| Total domestic deposits to total assets | 69.3900% | 4,302 |
| Equity capital to assets | 9.6643% | 2,219 |
| Core capital (leverage) ratio | 10.1731% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7408% | 1,346 |
| Memoranda: | ||
| Average total assets | $1,420,550,000 | 768 |
| Average earning assets | $1,310,229,500 | 769 |
| Average equity | $136,607,500 | 780 |
| Average total loans | $910,274,500 | 816 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 2,798 |
| Cost of funding earning assets | 2.1858% | 660 |
| Net interest margin | 2.4557% | 4,134 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.1768% | 3,189 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.4948% | 3,681 |
| Return on assets (ROA) | 0.5012% | 3,664 |
| Pretax return on assets | 0.5755% | 3,680 |
| Return on Equity (ROE) | 5.0800% | 3,710 |
| Retained earnings to average equity (ytd only) | 3.9231% | 2,988 |
| Net charge-offs to loans | 0.0015% | 2,783 |
| Credit loss provision to net charge-offs | -1,669.2308% | 4,576 |
| Earnings coverage of net charge-offs (x) | 562.8462% | 264 |
| Efficiency ratio | 79.8823% | 926 |
| Assets per employee ($millions) | 6.5770% | 2,358 |
| Cash dividends to net income (ytd only)* | 22.8102% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 4,042 |
| Loan loss allowance to noncurrent loans | 125.3848% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 1,417 |
| Noncurrent loans to loans | 0.6062% | 1,300 |
| Net loans and leases to total assets | 63.9400% | 2,465 |
| Net loans and leases to deposits | 91.2532% | 1,164 |
| Net loans and leases to core deposits | 101.1757% | 1,370 |
| Total domestic deposits to total assets | 70.0700% | 4,288 |
| Equity capital to assets | 9.5683% | 2,296 |
| Core capital (leverage) ratio | 10.3778% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6777% | 1,354 |
| Memoranda: | ||
| Average total assets | $1,334,739,800 | 783 |
| Average earning assets | $1,226,807,000 | 778 |
| Average equity | $131,632,000 | 751 |
| Average total loans | $876,801,400 | 808 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 2,808 |
| Cost of funding earning assets | 2.0549% | 640 |
| Net interest margin | 2.4905% | 4,154 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.2432% | 2,962 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.4728% | 3,820 |
| Return on assets (ROA) | 0.4814% | 3,805 |
| Pretax return on assets | 0.5578% | 3,812 |
| Return on Equity (ROE) | 4.8400% | 3,836 |
| Retained earnings to average equity (ytd only) | 3.2865% | 3,446 |
| Net charge-offs to loans | 0.0003% | 2,655 |
| Credit loss provision to net charge-offs | -16,800.0000% | 4,636 |
| Earnings coverage of net charge-offs (x) | 2,542.0000% | 50 |
| Efficiency ratio | 81.3136% | 776 |
| Assets per employee ($millions) | 6.0733% | 2,686 |
| Cash dividends to net income (ytd only)* | 32.1398% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 4,027 |
| Loan loss allowance to noncurrent loans | 111.1347% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 1,249 |
| Noncurrent loans to loans | 0.6962% | 1,184 |
| Net loans and leases to total assets | 66.3300% | 2,215 |
| Net loans and leases to deposits | 87.0932% | 1,466 |
| Net loans and leases to core deposits | 93.5679% | 1,699 |
| Total domestic deposits to total assets | 76.1600% | 4,001 |
| Equity capital to assets | 9.6581% | 2,011 |
| Core capital (leverage) ratio | 10.8710% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1710% | 1,276 |
| Memoranda: | ||
| Average total assets | $1,314,908,750 | 798 |
| Average earning assets | $1,207,435,500 | 797 |
| Average equity | $130,714,500 | 754 |
| Average total loans | $868,232,250 | 811 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 2,736 |
| Cost of funding earning assets | 1.9085% | 593 |
| Net interest margin | 2.5555% | 4,154 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.2406% | 2,970 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.4706% | 3,872 |
| Return on assets (ROA) | 0.4831% | 3,852 |
| Pretax return on assets | 0.5815% | 3,830 |
| Return on Equity (ROE) | 4.8100% | 3,902 |
| Retained earnings to average equity (ytd only) | 2.4997% | 3,600 |
| Net charge-offs to loans | 0.0074% | 1,955 |
| Credit loss provision to net charge-offs | 106.2500% | 1,400 |
| Earnings coverage of net charge-offs (x) | 118.7500% | 849 |
| Efficiency ratio | 79.4816% | 875 |
| Assets per employee ($millions) | 6.1608% | 2,573 |
| Cash dividends to net income (ytd only)* | 48.0781% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 3,968 |
| Loan loss allowance to noncurrent loans | 129.8440% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 1,268 |
| Noncurrent loans to loans | 0.6327% | 1,182 |
| Net loans and leases to total assets | 66.1600% | 2,141 |
| Net loans and leases to deposits | 91.0605% | 1,105 |
| Net loans and leases to core deposits | 94.7343% | 1,537 |
| Total domestic deposits to total assets | 72.6500% | 4,267 |
| Equity capital to assets | 10.1000% | 1,798 |
| Core capital (leverage) ratio | 10.7513% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2428% | 1,274 |
| Memoranda: | ||
| Average total assets | $1,313,907,667 | 785 |
| Average earning assets | $1,207,223,333 | 786 |
| Average equity | $131,857,667 | 743 |
| Average total loans | $863,963,667 | 801 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 2,583 |
| Cost of funding earning assets | 1.7280% | 529 |
| Net interest margin | 2.6600% | 4,134 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.3336% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4975% | 3,907 |
| Return on assets (ROA) | 0.5239% | 3,797 |
| Pretax return on assets | 0.5983% | 3,843 |
| Return on Equity (ROE) | 5.2400% | 3,854 |
| Retained earnings to average equity (ytd only) | 0.6068% | 3,926 |
| Net charge-offs to loans | 0.0060% | 1,733 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 624 |
| Efficiency ratio | 80.4184% | 796 |
| Assets per employee ($millions) | 6.1153% | 2,665 |
| Cash dividends to net income (ytd only)* | 88.4125% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8284% | 4,039 |
| Loan loss allowance to noncurrent loans | 138.1431% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 1,308 |
| Noncurrent loans to loans | 0.5996% | 1,239 |
| Net loans and leases to total assets | 65.3400% | 2,125 |
| Net loans and leases to deposits | 88.8222% | 1,147 |
| Net loans and leases to core deposits | 93.0217% | 1,452 |
| Total domestic deposits to total assets | 73.5600% | 4,306 |
| Equity capital to assets | 10.2548% | 1,689 |
| Core capital (leverage) ratio | 10.5895% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1655% | 1,336 |
| Memoranda: | ||
| Average total assets | $1,317,818,500 | 800 |
| Average earning assets | $1,212,938,500 | 793 |
| Average equity | $131,829,000 | 746 |
| Average total loans | $860,326,000 | 822 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8077% | 2,255 |
| Cost of funding earning assets | 0.6453% | 735 |
| Net interest margin | 3.1624% | 2,977 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.0224% | 3,524 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.1936% | 1,800 |
| Return on assets (ROA) | 1.1448% | 1,934 |
| Pretax return on assets | 1.3404% | 1,957 |
| Return on Equity (ROE) | 10.9100% | 2,505 |
| Retained earnings to average equity (ytd only) | 6.4793% | 2,461 |
| Net charge-offs to loans | 0.0176% | 1,754 |
| Credit loss provision to net charge-offs | -185.9155% | 4,600 |
| Earnings coverage of net charge-offs (x) | 127.3732% | 860 |
| Efficiency ratio | 59.4816% | 3,123 |
| Assets per employee ($millions) | 6.6348% | 2,236 |
| Cash dividends to net income (ytd only)* | 40.5988% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 3,550 |
| Loan loss allowance to noncurrent loans | 159.3913% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 1,307 |
| Noncurrent loans to loans | 0.6047% | 1,235 |
| Net loans and leases to total assets | 64.0700% | 2,238 |
| Net loans and leases to deposits | 84.3470% | 1,441 |
| Net loans and leases to core deposits | 87.1041% | 1,673 |
| Total domestic deposits to total assets | 75.9600% | 4,253 |
| Equity capital to assets | 9.7559% | 1,853 |
| Core capital (leverage) ratio | 10.3792% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1488% | 1,331 |
| Memoranda: | ||
| Average total assets | $1,312,874,400 | 782 |
| Average earning assets | $1,218,646,200 | 780 |
| Average equity | $137,793,000 | 717 |
| Average total loans | $808,166,600 | 815 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6827% | 2,090 |
| Cost of funding earning assets | 0.4487% | 984 |
| Net interest margin | 3.2340% | 2,517 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 1.9991% | 3,489 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1938% | 1,716 |
| Return on assets (ROA) | 1.1938% | 1,691 |
| Pretax return on assets | 1.4014% | 1,718 |
| Return on Equity (ROE) | 11.1800% | 2,307 |
| Retained earnings to average equity (ytd only) | 6.8125% | 2,443 |
| Net charge-offs to loans | 0.0209% | 1,413 |
| Credit loss provision to net charge-offs | 524.8000% | 593 |
| Earnings coverage of net charge-offs (x) | 115.3440% | 870 |
| Efficiency ratio | 57.6564% | 3,426 |
| Assets per employee ($millions) | 6.8512% | 2,059 |
| Cash dividends to net income (ytd only)* | 39.0396% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,070 |
| Loan loss allowance to noncurrent loans | 155.6701% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 1,207 |
| Noncurrent loans to loans | 0.6997% | 1,169 |
| Net loans and leases to total assets | 63.2600% | 2,162 |
| Net loans and leases to deposits | 77.9617% | 1,714 |
| Net loans and leases to core deposits | 80.2133% | 1,886 |
| Total domestic deposits to total assets | 81.1400% | 3,954 |
| Equity capital to assets | 9.4226% | 1,930 |
| Core capital (leverage) ratio | 10.4675% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8964% | 1,459 |
| Memoranda: | ||
| Average total assets | $1,309,353,750 | 791 |
| Average earning assets | $1,217,205,500 | 784 |
| Average equity | $139,877,250 | 716 |
| Average total loans | $795,591,000 | 823 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5784% | 1,908 |
| Cost of funding earning assets | 0.3259% | 1,473 |
| Net interest margin | 3.2525% | 2,049 |
| Noninterest income to average assets | 0.4581% | 2,403 |
| Noninterest expense to average assets | 1.9883% | 3,461 |
| Loan and lease loss provision to assets | 0.0670% | 1,414 |
| Net operating income to assets | 1.2190% | 1,367 |
| Return on assets (ROA) | 1.2190% | 1,355 |
| Pretax return on assets | 1.4314% | 1,355 |
| Return on Equity (ROE) | 10.9731% | 1,982 |
| Retained earnings to average equity (ytd only) | 6.7640% | 2,065 |
| Net charge-offs to loans | -0.0110% | 3,624 |
| Credit loss provision to net charge-offs | -1,016.2791% | 3,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0261% | 3,680 |
| Assets per employee ($millions) | 6.5458% | 2,278 |
| Cash dividends to net income (ytd only)* | 38.3581% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 2,997 |
| Loan loss allowance to noncurrent loans | 153.4338% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 1,232 |
| Noncurrent loans to loans | 0.7418% | 1,162 |
| Net loans and leases to total assets | 61.0815% | 2,215 |
| Net loans and leases to deposits | 78.9148% | 1,476 |
| Net loans and leases to core deposits | 81.3726% | 1,634 |
| Total domestic deposits to total assets | 77.4019% | 4,388 |
| Equity capital to assets | 10.3293% | 1,519 |
| Core capital (leverage) ratio | 10.7741% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3378% | 1,350 |
| Memoranda: | ||
| Average total assets | $1,305,047,000 | 792 |
| Average earning assets | $1,215,171,333 | 787 |
| Average equity | $144,972,333 | 708 |
| Average total loans | $778,896,333 | 823 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4871% | 1,850 |
| Cost of funding earning assets | 0.2997% | 1,663 |
| Net interest margin | 3.1873% | 1,922 |
| Noninterest income to average assets | 0.4373% | 2,456 |
| Noninterest expense to average assets | 1.9782% | 3,488 |
| Loan and lease loss provision to assets | 0.0671% | 1,218 |
| Net operating income to assets | 1.1710% | 1,323 |
| Return on assets (ROA) | 1.1710% | 1,321 |
| Pretax return on assets | 1.3682% | 1,332 |
| Return on Equity (ROE) | 10.1849% | 1,892 |
| Retained earnings to average equity (ytd only) | 6.1205% | 2,210 |
| Net charge-offs to loans | -0.0198% | 3,905 |
| Credit loss provision to net charge-offs | -576.3158% | 3,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9528% | 3,689 |
| Assets per employee ($millions) | 6.5405% | 2,350 |
| Cash dividends to net income (ytd only)* | 39.9059% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,116 |
| Loan loss allowance to noncurrent loans | 127.3440% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 1,108 |
| Noncurrent loans to loans | 0.9009% | 1,027 |
| Net loans and leases to total assets | 59.4652% | 2,123 |
| Net loans and leases to deposits | 72.6444% | 1,733 |
| Net loans and leases to core deposits | 74.9261% | 1,857 |
| Total domestic deposits to total assets | 81.8580% | 4,094 |
| Equity capital to assets | 11.0184% | 1,325 |
| Core capital (leverage) ratio | 10.5579% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4441% | 1,396 |
| Memoranda: | ||
| Average total assets | $1,306,260,500 | 796 |
| Average earning assets | $1,219,711,500 | 794 |
| Average equity | $150,183,000 | 706 |
| Average total loans | $765,934,500 | 819 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5159% | 2,611 |
| Cost of funding earning assets | 0.3422% | 2,006 |
| Net interest margin | 3.1736% | 2,675 |
| Noninterest income to average assets | 0.5359% | 2,414 |
| Noninterest expense to average assets | 2.0408% | 3,549 |
| Loan and lease loss provision to assets | 0.0672% | 1,729 |
| Net operating income to assets | 1.1992% | 1,925 |
| Return on assets (ROA) | 1.1992% | 1,978 |
| Pretax return on assets | 1.3950% | 2,072 |
| Return on Equity (ROE) | 9.8760% | 2,570 |
| Retained earnings to average equity (ytd only) | 5.9893% | 2,364 |
| Net charge-offs to loans | 0.0153% | 2,004 |
| Credit loss provision to net charge-offs | 761.0619% | 625 |
| Earnings coverage of net charge-offs (x) | 165.6814% | 614 |
| Efficiency ratio | 58.2601% | 3,408 |
| Assets per employee ($millions) | 6.6540% | 2,193 |
| Cash dividends to net income (ytd only)* | 39.3553% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 3,117 |
| Loan loss allowance to noncurrent loans | 122.8418% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5363% | 1,243 |
| Noncurrent loans to loans | 0.9386% | 1,081 |
| Net loans and leases to total assets | 56.4831% | 2,542 |
| Net loans and leases to deposits | 68.1254% | 2,303 |
| Net loans and leases to core deposits | 70.2333% | 2,420 |
| Total domestic deposits to total assets | 82.9104% | 3,830 |
| Equity capital to assets | 11.9678% | 1,263 |
| Core capital (leverage) ratio | 10.1440% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5742% | 1,369 |
| Memoranda: | ||
| Average total assets | $1,280,461,000 | 778 |
| Average earning assets | $1,197,116,600 | 771 |
| Average equity | $155,477,600 | 693 |
| Average total loans | $739,026,000 | 841 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 2,819 |
| Cost of funding earning assets | 0.3464% | 2,150 |
| Net interest margin | 3.1605% | 2,856 |
| Noninterest income to average assets | 0.5456% | 2,429 |
| Noninterest expense to average assets | 1.9756% | 3,748 |
| Loan and lease loss provision to assets | 0.0478% | 2,043 |
| Net operating income to assets | 1.2662% | 1,934 |
| Return on assets (ROA) | 1.2662% | 1,993 |
| Pretax return on assets | 1.4755% | 2,061 |
| Return on Equity (ROE) | 10.3891% | 2,598 |
| Retained earnings to average equity (ytd only) | 6.5009% | 2,619 |
| Net charge-offs to loans | 0.0181% | 1,694 |
| Credit loss provision to net charge-offs | 455.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 145.2300% | 692 |
| Efficiency ratio | 56.4645% | 3,475 |
| Assets per employee ($millions) | 7.0779% | 1,815 |
| Cash dividends to net income (ytd only)* | 37.4254% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,462 |
| Loan loss allowance to noncurrent loans | 103.6259% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 1,333 |
| Noncurrent loans to loans | 1.0568% | 1,073 |
| Net loans and leases to total assets | 53.9546% | 2,975 |
| Net loans and leases to deposits | 64.5232% | 2,792 |
| Net loans and leases to core deposits | 66.3578% | 2,922 |
| Total domestic deposits to total assets | 83.6205% | 3,557 |
| Equity capital to assets | 11.3180% | 1,796 |
| Core capital (leverage) ratio | 10.2369% | 2,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3061% | 1,538 |
| Memoranda: | ||
| Average total assets | $1,271,202,750 | 792 |
| Average earning assets | $1,187,852,500 | 787 |
| Average equity | $154,928,250 | 705 |
| Average total loans | $735,572,250 | 862 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5726% | 2,708 |
| Cost of funding earning assets | 0.3596% | 2,239 |
| Net interest margin | 3.2131% | 2,716 |
| Noninterest income to average assets | 0.5764% | 2,312 |
| Noninterest expense to average assets | 2.0464% | 3,557 |
| Loan and lease loss provision to assets | 0.0438% | 2,142 |
| Net operating income to assets | 1.2746% | 1,934 |
| Return on assets (ROA) | 1.2746% | 2,011 |
| Pretax return on assets | 1.4833% | 2,073 |
| Return on Equity (ROE) | 10.1858% | 2,685 |
| Retained earnings to average equity (ytd only) | 6.3047% | 2,694 |
| Net charge-offs to loans | 0.0217% | 1,512 |
| Credit loss provision to net charge-offs | 341.7722% | 834 |
| Earnings coverage of net charge-offs (x) | 119.1266% | 671 |
| Efficiency ratio | 57.2655% | 3,367 |
| Assets per employee ($millions) | 6.7061% | 2,016 |
| Cash dividends to net income (ytd only)* | 38.1031% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,434 |
| Loan loss allowance to noncurrent loans | 100.8316% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 1,351 |
| Noncurrent loans to loans | 1.0860% | 1,113 |
| Net loans and leases to total assets | 56.1124% | 2,890 |
| Net loans and leases to deposits | 68.0737% | 2,610 |
| Net loans and leases to core deposits | 70.3103% | 2,752 |
| Total domestic deposits to total assets | 82.4289% | 3,836 |
| Equity capital to assets | 11.9892% | 1,364 |
| Core capital (leverage) ratio | 10.6421% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7683% | 1,397 |
| Memoranda: | ||
| Average total assets | $1,232,512,667 | 811 |
| Average earning assets | $1,149,682,000 | 806 |
| Average equity | $154,234,000 | 703 |
| Average total loans | $728,501,333 | 866 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6903% | 2,382 |
| Cost of funding earning assets | 0.3750% | 2,315 |
| Net interest margin | 3.3153% | 2,345 |
| Noninterest income to average assets | 0.5868% | 2,262 |
| Noninterest expense to average assets | 2.0567% | 3,543 |
| Loan and lease loss provision to assets | 0.0452% | 2,169 |
| Net operating income to assets | 1.3457% | 1,693 |
| Return on assets (ROA) | 1.3457% | 1,782 |
| Pretax return on assets | 1.5713% | 1,797 |
| Return on Equity (ROE) | 10.5126% | 2,527 |
| Retained earnings to average equity (ytd only) | 6.6763% | 2,672 |
| Net charge-offs to loans | 0.0116% | 1,517 |
| Credit loss provision to net charge-offs | 642.8571% | 537 |
| Earnings coverage of net charge-offs (x) | 229.9524% | 364 |
| Efficiency ratio | 55.9920% | 3,547 |
| Assets per employee ($millions) | 6.3519% | 2,291 |
| Cash dividends to net income (ytd only)* | 36.4925% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 3,367 |
| Loan loss allowance to noncurrent loans | 110.2480% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 1,587 |
| Noncurrent loans to loans | 1.0096% | 1,324 |
| Net loans and leases to total assets | 58.9294% | 2,686 |
| Net loans and leases to deposits | 72.0194% | 2,317 |
| Net loans and leases to core deposits | 74.5915% | 2,458 |
| Total domestic deposits to total assets | 81.8244% | 3,924 |
| Equity capital to assets | 12.5513% | 1,064 |
| Core capital (leverage) ratio | 10.8695% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1184% | 1,266 |
| Memoranda: | ||
| Average total assets | $1,194,920,000 | 827 |
| Average earning assets | $1,112,417,000 | 819 |
| Average equity | $152,960,000 | 698 |
| Average total loans | $721,799,500 | 872 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 2,832 |
| Cost of funding earning assets | 0.6358% | 2,082 |
| Net interest margin | 3.3313% | 2,978 |
| Noninterest income to average assets | 0.5552% | 2,399 |
| Noninterest expense to average assets | 2.2531% | 3,536 |
| Loan and lease loss provision to assets | 0.1109% | 2,959 |
| Net operating income to assets | 1.1078% | 1,899 |
| Return on assets (ROA) | 1.1263% | 1,938 |
| Pretax return on assets | 1.2812% | 2,043 |
| Return on Equity (ROE) | 9.5042% | 2,194 |
| Retained earnings to average equity (ytd only) | 4.7435% | 2,397 |
| Net charge-offs to loans | 0.0399% | 2,263 |
| Credit loss provision to net charge-offs | 441.1765% | 1,346 |
| Earnings coverage of net charge-offs (x) | 54.5184% | 1,127 |
| Efficiency ratio | 62.1690% | 3,095 |
| Assets per employee ($millions) | 6.0340% | 2,309 |
| Cash dividends to net income (ytd only)* | 50.0903% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 3,457 |
| Loan loss allowance to noncurrent loans | 112.0797% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 1,748 |
| Noncurrent loans to loans | 0.9822% | 1,438 |
| Net loans and leases to total assets | 60.5697% | 2,784 |
| Net loans and leases to deposits | 74.8553% | 2,392 |
| Net loans and leases to core deposits | 77.6727% | 2,581 |
| Total domestic deposits to total assets | 80.9157% | 3,886 |
| Equity capital to assets | 13.0581% | 1,064 |
| Core capital (leverage) ratio | 10.8112% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0544% | 1,250 |
| Memoranda: | ||
| Average total assets | $1,081,586,000 | 816 |
| Average earning assets | $996,392,400 | 820 |
| Average equity | $128,175,000 | 774 |
| Average total loans | $682,182,400 | 886 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 2,946 |
| Cost of funding earning assets | 0.7082% | 1,979 |
| Net interest margin | 3.3008% | 3,187 |
| Noninterest income to average assets | 0.5518% | 2,384 |
| Noninterest expense to average assets | 2.2261% | 3,616 |
| Loan and lease loss provision to assets | 0.0859% | 3,237 |
| Net operating income to assets | 1.1137% | 1,936 |
| Return on assets (ROA) | 1.1390% | 1,967 |
| Pretax return on assets | 1.3009% | 2,044 |
| Return on Equity (ROE) | 9.8919% | 2,055 |
| Retained earnings to average equity (ytd only) | 4.8819% | 2,609 |
| Net charge-offs to loans | 0.0214% | 2,428 |
| Credit loss provision to net charge-offs | 631.4815% | 1,136 |
| Earnings coverage of net charge-offs (x) | 99.7685% | 791 |
| Efficiency ratio | 62.1092% | 3,061 |
| Assets per employee ($millions) | 5.8411% | 2,406 |
| Cash dividends to net income (ytd only)* | 50.6473% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,325 |
| Loan loss allowance to noncurrent loans | 102.6687% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 1,755 |
| Noncurrent loans to loans | 1.0485% | 1,424 |
| Net loans and leases to total assets | 61.4610% | 3,071 |
| Net loans and leases to deposits | 74.7739% | 2,884 |
| Net loans and leases to core deposits | 77.6744% | 3,041 |
| Total domestic deposits to total assets | 82.1957% | 3,369 |
| Equity capital to assets | 11.2755% | 2,168 |
| Core capital (leverage) ratio | 9.3078% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4160% | 2,028 |
| Memoranda: | ||
| Average total assets | $1,057,826,750 | 819 |
| Average earning assets | $971,832,000 | 824 |
| Average equity | $121,807,500 | 803 |
| Average total loans | $672,575,500 | 893 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 3,068 |
| Cost of funding earning assets | 0.8287% | 1,683 |
| Net interest margin | 3.2652% | 3,475 |
| Noninterest income to average assets | 0.5587% | 2,309 |
| Noninterest expense to average assets | 2.2200% | 3,720 |
| Loan and lease loss provision to assets | 0.0751% | 3,354 |
| Net operating income to assets | 1.1029% | 1,953 |
| Return on assets (ROA) | 1.1314% | 1,988 |
| Pretax return on assets | 1.2896% | 2,068 |
| Return on Equity (ROE) | 9.7513% | 2,069 |
| Retained earnings to average equity (ytd only) | 4.6587% | 2,630 |
| Net charge-offs to loans | 0.0178% | 2,371 |
| Credit loss provision to net charge-offs | 657.6271% | 1,042 |
| Earnings coverage of net charge-offs (x) | 116.6102% | 639 |
| Efficiency ratio | 62.4925% | 3,050 |
| Assets per employee ($millions) | 5.6466% | 2,494 |
| Cash dividends to net income (ytd only)* | 52.2253% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 3,157 |
| Loan loss allowance to noncurrent loans | 94.6323% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7420% | 1,664 |
| Noncurrent loans to loans | 1.1449% | 1,377 |
| Net loans and leases to total assets | 62.7413% | 3,041 |
| Net loans and leases to deposits | 78.1417% | 2,636 |
| Net loans and leases to core deposits | 81.5218% | 2,813 |
| Total domestic deposits to total assets | 80.2917% | 3,777 |
| Equity capital to assets | 11.7183% | 1,824 |
| Core capital (leverage) ratio | 9.3505% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4671% | 2,013 |
| Memoranda: | ||
| Average total assets | $1,032,710,333 | 821 |
| Average earning assets | $946,839,333 | 833 |
| Average equity | $119,819,667 | 807 |
| Average total loans | $662,087,333 | 890 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 3,200 |
| Cost of funding earning assets | 1.0335% | 1,285 |
| Net interest margin | 3.1690% | 3,936 |
| Noninterest income to average assets | 0.5672% | 2,194 |
| Noninterest expense to average assets | 2.3138% | 3,744 |
| Loan and lease loss provision to assets | 0.0764% | 2,766 |
| Net operating income to assets | 0.9552% | 2,335 |
| Return on assets (ROA) | 0.9800% | 2,349 |
| Pretax return on assets | 1.1037% | 2,507 |
| Return on Equity (ROE) | 8.4914% | 2,317 |
| Retained earnings to average equity (ytd only) | 3.2833% | 2,965 |
| Net charge-offs to loans | 0.0122% | 2,145 |
| Credit loss provision to net charge-offs | 970.0000% | 588 |
| Earnings coverage of net charge-offs (x) | 146.2500% | 440 |
| Efficiency ratio | 66.7576% | 2,850 |
| Assets per employee ($millions) | 5.2069% | 2,418 |
| Cash dividends to net income (ytd only)* | 61.3344% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,288 |
| Loan loss allowance to noncurrent loans | 95.3386% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 1,802 |
| Noncurrent loans to loans | 1.1381% | 1,461 |
| Net loans and leases to total assets | 63.7997% | 3,092 |
| Net loans and leases to deposits | 87.6547% | 1,786 |
| Net loans and leases to core deposits | 89.7763% | 2,367 |
| Total domestic deposits to total assets | 72.7853% | 4,739 |
| Equity capital to assets | 11.5020% | 2,436 |
| Core capital (leverage) ratio | 9.5379% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2744% | 2,163 |
| Memoranda: | ||
| Average total assets | $1,015,462,000 | 808 |
| Average earning assets | $928,884,000 | 815 |
| Average equity | $117,200,500 | 820 |
| Average total loans | $654,674,000 | 880 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 3,753 |
| Cost of funding earning assets | 1.1235% | 1,247 |
| Net interest margin | 3.0996% | 4,367 |
| Noninterest income to average assets | 0.5880% | 2,279 |
| Noninterest expense to average assets | 2.3214% | 3,893 |
| Loan and lease loss provision to assets | 0.0448% | 3,114 |
| Net operating income to assets | 0.9429% | 3,049 |
| Return on assets (ROA) | 0.9912% | 2,959 |
| Pretax return on assets | 1.0958% | 3,181 |
| Return on Equity (ROE) | 8.8547% | 2,819 |
| Retained earnings to average equity (ytd only) | 3.4310% | 3,291 |
| Net charge-offs to loans | 0.0305% | 2,786 |
| Credit loss provision to net charge-offs | 236.8421% | 1,138 |
| Earnings coverage of net charge-offs (x) | 57.4947% | 1,010 |
| Efficiency ratio | 68.1098% | 2,441 |
| Assets per employee ($millions) | 5.1283% | 2,421 |
| Cash dividends to net income (ytd only)* | 61.2528% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,052 |
| Loan loss allowance to noncurrent loans | 156.0829% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 2,571 |
| Noncurrent loans to loans | 0.6929% | 2,149 |
| Net loans and leases to total assets | 63.7440% | 3,238 |
| Net loans and leases to deposits | 82.8736% | 2,462 |
| Net loans and leases to core deposits | 90.0369% | 2,425 |
| Total domestic deposits to total assets | 76.9172% | 4,497 |
| Equity capital to assets | 11.5820% | 2,455 |
| Core capital (leverage) ratio | 9.4166% | 4,147 |
| Tier 1 risk-based capital ratio | 13.4951% | 3,529 |
| Total risk-based capital ratio | 14.5290% | 3,524 |
| Memoranda: | ||
| Average total assets | $1,005,042,000 | 780 |
| Average earning assets | $914,461,800 | 790 |
| Average equity | $112,505,200 | 810 |
| Average total loans | $623,074,600 | 883 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 3,900 |
| Cost of funding earning assets | 1.1536% | 1,161 |
| Net interest margin | 3.0549% | 4,552 |
| Noninterest income to average assets | 0.5839% | 2,289 |
| Noninterest expense to average assets | 2.2935% | 3,974 |
| Loan and lease loss provision to assets | 0.0415% | 3,073 |
| Net operating income to assets | 0.9274% | 3,244 |
| Return on assets (ROA) | 1.0177% | 2,992 |
| Pretax return on assets | 1.1253% | 3,220 |
| Return on Equity (ROE) | 9.1706% | 2,815 |
| Retained earnings to average equity (ytd only) | 3.6989% | 3,548 |
| Net charge-offs to loans | 0.0298% | 2,481 |
| Credit loss provision to net charge-offs | 226.8116% | 1,188 |
| Earnings coverage of net charge-offs (x) | 58.2522% | 1,071 |
| Efficiency ratio | 68.2592% | 2,371 |
| Assets per employee ($millions) | 5.1427% | 2,406 |
| Cash dividends to net income (ytd only)* | 59.6663% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,048 |
| Loan loss allowance to noncurrent loans | 156.1020% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 2,437 |
| Noncurrent loans to loans | 0.7023% | 2,200 |
| Net loans and leases to total assets | 61.3069% | 3,560 |
| Net loans and leases to deposits | 83.0111% | 2,567 |
| Net loans and leases to core deposits | 87.5330% | 2,777 |
| Total domestic deposits to total assets | 73.8539% | 4,822 |
| Equity capital to assets | 11.4031% | 2,733 |
| Core capital (leverage) ratio | 9.4966% | 4,167 |
| Tier 1 risk-based capital ratio | 13.3705% | 3,647 |
| Total risk-based capital ratio | 14.3880% | 3,680 |
| Memoranda: | ||
| Average total assets | $1,005,013,500 | 781 |
| Average earning assets | $913,319,750 | 786 |
| Average equity | $111,527,250 | 812 |
| Average total loans | $616,910,250 | 894 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1795% | 3,971 |
| Cost of funding earning assets | 1.1665% | 1,090 |
| Net interest margin | 3.0130% | 4,664 |
| Noninterest income to average assets | 0.5833% | 2,230 |
| Noninterest expense to average assets | 2.2898% | 4,032 |
| Loan and lease loss provision to assets | 0.0276% | 3,267 |
| Net operating income to assets | 0.9274% | 3,180 |
| Return on assets (ROA) | 0.9430% | 3,181 |
| Pretax return on assets | 1.0216% | 3,468 |
| Return on Equity (ROE) | 8.5783% | 3,034 |
| Retained earnings to average equity (ytd only) | 3.0309% | 3,704 |
| Net charge-offs to loans | 0.0363% | 2,146 |
| Credit loss provision to net charge-offs | 124.3243% | 1,701 |
| Earnings coverage of net charge-offs (x) | 46.5225% | 1,149 |
| Efficiency ratio | 68.9290% | 2,389 |
| Assets per employee ($millions) | 4.9607% | 2,529 |
| Cash dividends to net income (ytd only)* | 64.6672% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 3,037 |
| Loan loss allowance to noncurrent loans | 151.5667% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 2,412 |
| Noncurrent loans to loans | 0.7300% | 2,165 |
| Net loans and leases to total assets | 60.4062% | 3,700 |
| Net loans and leases to deposits | 84.3294% | 2,456 |
| Net loans and leases to core deposits | 88.9547% | 2,703 |
| Total domestic deposits to total assets | 71.6313% | 4,988 |
| Equity capital to assets | 11.3885% | 2,712 |
| Core capital (leverage) ratio | 9.3287% | 4,334 |
| Tier 1 risk-based capital ratio | 13.2528% | 3,711 |
| Total risk-based capital ratio | 14.2540% | 3,742 |
| Memoranda: | ||
| Average total assets | $1,000,597,330 | 782 |
| Average earning assets | $909,540,330 | 788 |
| Average equity | $109,998,670 | 816 |
| Average total loans | $612,152,000 | 899 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 3,847 |
| Cost of funding earning assets | 1.1900% | 930 |
| Net interest margin | 3.0143% | 4,730 |
| Noninterest income to average assets | 0.5565% | 2,248 |
| Noninterest expense to average assets | 2.3327% | 3,941 |
| Loan and lease loss provision to assets | 0.0368% | 2,883 |
| Net operating income to assets | 0.8682% | 3,363 |
| Return on assets (ROA) | 0.9001% | 3,286 |
| Pretax return on assets | 0.9569% | 3,598 |
| Return on Equity (ROE) | 8.3381% | 3,100 |
| Retained earnings to average equity (ytd only) | 2.6830% | 3,863 |
| Net charge-offs to loans | 0.0490% | 1,581 |
| Credit loss provision to net charge-offs | 122.6667% | 1,401 |
| Earnings coverage of net charge-offs (x) | 31.9867% | 1,292 |
| Efficiency ratio | 70.8505% | 2,212 |
| Assets per employee ($millions) | 4.9464% | 2,594 |
| Cash dividends to net income (ytd only)* | 67.8222% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 3,167 |
| Loan loss allowance to noncurrent loans | 170.0277% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 2,626 |
| Noncurrent loans to loans | 0.6435% | 2,403 |
| Net loans and leases to total assets | 61.7842% | 3,525 |
| Net loans and leases to deposits | 86.3170% | 2,094 |
| Net loans and leases to core deposits | 88.6645% | 2,620 |
| Total domestic deposits to total assets | 71.5782% | 5,059 |
| Equity capital to assets | 11.1314% | 2,720 |
| Core capital (leverage) ratio | 9.0375% | 4,630 |
| Tier 1 risk-based capital ratio | 12.9918% | 3,883 |
| Total risk-based capital ratio | 13.9812% | 3,921 |
| Memoranda: | ||
| Average total assets | $999,864,000 | 789 |
| Average earning assets | $907,546,000 | 796 |
| Average equity | $107,938,000 | 825 |
| Average total loans | $612,187,500 | 904 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 4,295 |
| Cost of funding earning assets | 0.9467% | 933 |
| Net interest margin | 2.9435% | 4,860 |
| Noninterest income to average assets | 0.5585% | 2,501 |
| Noninterest expense to average assets | 2.2369% | 4,254 |
| Loan and lease loss provision to assets | 0.0199% | 3,763 |
| Net operating income to assets | 0.9297% | 3,333 |
| Return on assets (ROA) | 0.9304% | 3,321 |
| Pretax return on assets | 0.9802% | 3,675 |
| Return on Equity (ROE) | 8.9919% | 3,004 |
| Retained earnings to average equity (ytd only) | 3.1186% | 3,832 |
| Net charge-offs to loans | 0.1612% | 1,198 |
| Credit loss provision to net charge-offs | 21.2314% | 3,397 |
| Earnings coverage of net charge-offs (x) | 10.6529% | 2,699 |
| Efficiency ratio | 69.1193% | 2,363 |
| Assets per employee ($millions) | 5.1818% | 2,288 |
| Cash dividends to net income (ytd only)* | 65.3179% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 3,024 |
| Loan loss allowance to noncurrent loans | 163.5548% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 2,497 |
| Noncurrent loans to loans | 0.6801% | 2,293 |
| Net loans and leases to total assets | 59.3449% | 3,835 |
| Net loans and leases to deposits | 87.9266% | 2,050 |
| Net loans and leases to core deposits | 90.6998% | 2,511 |
| Total domestic deposits to total assets | 67.4937% | 5,220 |
| Equity capital to assets | 10.4662% | 3,225 |
| Core capital (leverage) ratio | 9.0067% | 4,648 |
| Tier 1 risk-based capital ratio | 12.8825% | 3,914 |
| Total risk-based capital ratio | 13.8735% | 3,943 |
| Memoranda: | ||
| Average total assets | $1,004,099,800 | 762 |
| Average earning assets | $913,455,000 | 773 |
| Average equity | $103,893,600 | 825 |
| Average total loans | $584,315,400 | 922 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 4,390 |
| Cost of funding earning assets | 0.8871% | 973 |
| Net interest margin | 2.9336% | 4,930 |
| Noninterest income to average assets | 0.5539% | 2,546 |
| Noninterest expense to average assets | 2.2647% | 4,182 |
| Loan and lease loss provision to assets | 0.0067% | 3,842 |
| Net operating income to assets | 0.9136% | 3,464 |
| Return on assets (ROA) | 0.9139% | 3,468 |
| Pretax return on assets | 0.9530% | 3,871 |
| Return on Equity (ROE) | 8.8587% | 3,149 |
| Retained earnings to average equity (ytd only) | 2.9598% | 4,254 |
| Net charge-offs to loans | 0.1534% | 1,072 |
| Credit loss provision to net charge-offs | 7.5075% | 3,062 |
| Earnings coverage of net charge-offs (x) | 10.8303% | 2,561 |
| Efficiency ratio | 70.2446% | 2,157 |
| Assets per employee ($millions) | 5.1647% | 2,256 |
| Cash dividends to net income (ytd only)* | 66.5890% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 2,903 |
| Loan loss allowance to noncurrent loans | 148.3377% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 2,532 |
| Noncurrent loans to loans | 0.7749% | 2,151 |
| Net loans and leases to total assets | 58.3676% | 3,996 |
| Net loans and leases to deposits | 83.1295% | 2,693 |
| Net loans and leases to core deposits | 85.6403% | 3,032 |
| Total domestic deposits to total assets | 70.2129% | 5,204 |
| Equity capital to assets | 10.0713% | 3,568 |
| Core capital (leverage) ratio | 8.8397% | 4,856 |
| Tier 1 risk-based capital ratio | 12.7360% | 4,059 |
| Total risk-based capital ratio | 13.7474% | 4,089 |
| Memoranda: | ||
| Average total assets | $1,002,513,750 | 758 |
| Average earning assets | $912,439,500 | 769 |
| Average equity | $103,428,250 | 826 |
| Average total loans | $578,796,250 | 930 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7318% | 4,512 |
| Cost of funding earning assets | 0.8301% | 1,004 |
| Net interest margin | 2.9017% | 5,011 |
| Noninterest income to average assets | 0.5384% | 2,645 |
| Noninterest expense to average assets | 2.2971% | 4,151 |
| Loan and lease loss provision to assets | 0.0100% | 3,649 |
| Net operating income to assets | 0.8535% | 3,661 |
| Return on assets (ROA) | 0.8566% | 3,642 |
| Pretax return on assets | 0.8785% | 4,031 |
| Return on Equity (ROE) | 8.2371% | 3,401 |
| Retained earnings to average equity (ytd only) | 2.3653% | 4,328 |
| Net charge-offs to loans | 0.2065% | 766 |
| Credit loss provision to net charge-offs | 8.4602% | 2,735 |
| Earnings coverage of net charge-offs (x) | 7.4839% | 2,542 |
| Efficiency ratio | 72.1824% | 1,971 |
| Assets per employee ($millions) | 5.1220% | 2,273 |
| Cash dividends to net income (ytd only)* | 71.2850% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 2,802 |
| Loan loss allowance to noncurrent loans | 151.3290% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 2,546 |
| Noncurrent loans to loans | 0.7849% | 2,163 |
| Net loans and leases to total assets | 57.2703% | 4,062 |
| Net loans and leases to deposits | 78.6066% | 3,097 |
| Net loans and leases to core deposits | 84.0077% | 3,082 |
| Total domestic deposits to total assets | 72.8569% | 5,127 |
| Equity capital to assets | 10.1778% | 3,457 |
| Core capital (leverage) ratio | 8.8237% | 4,866 |
| Tier 1 risk-based capital ratio | 12.7819% | 4,014 |
| Total risk-based capital ratio | 13.8290% | 4,033 |
| Memoranda: | ||
| Average total assets | $999,255,330 | 763 |
| Average earning assets | $910,507,670 | 771 |
| Average equity | $103,920,670 | 821 |
| Average total loans | $572,488,330 | 936 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 4,609 |
| Cost of funding earning assets | 0.7885% | 997 |
| Net interest margin | 2.8566% | 5,088 |
| Noninterest income to average assets | 0.5137% | 2,725 |
| Noninterest expense to average assets | 2.3569% | 4,052 |
| Loan and lease loss provision to assets | 0.0201% | 3,274 |
| Net operating income to assets | 0.7250% | 4,003 |
| Return on assets (ROA) | 0.7313% | 3,987 |
| Pretax return on assets | 0.7474% | 4,304 |
| Return on Equity (ROE) | 6.9567% | 3,800 |
| Retained earnings to average equity (ytd only) | 1.1174% | 4,599 |
| Net charge-offs to loans | 0.1116% | 1,109 |
| Credit loss provision to net charge-offs | 31.6456% | 2,053 |
| Earnings coverage of net charge-offs (x) | 11.9747% | 1,823 |
| Efficiency ratio | 75.5902% | 1,655 |
| Assets per employee ($millions) | 5.1815% | 2,271 |
| Cash dividends to net income (ytd only)* | 83.9384% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,305 |
| Loan loss allowance to noncurrent loans | 150.3464% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 2,509 |
| Noncurrent loans to loans | 0.8562% | 2,110 |
| Net loans and leases to total assets | 56.5843% | 4,072 |
| Net loans and leases to deposits | 74.6011% | 3,356 |
| Net loans and leases to core deposits | 78.0768% | 3,488 |
| Total domestic deposits to total assets | 75.8492% | 4,976 |
| Equity capital to assets | 10.2413% | 3,347 |
| Core capital (leverage) ratio | 8.8467% | 4,854 |
| Tier 1 risk-based capital ratio | 12.8368% | 4,045 |
| Total risk-based capital ratio | 13.9603% | 4,008 |
| Memoranda: | ||
| Average total assets | $994,365,000 | 767 |
| Average earning assets | $906,535,000 | 773 |
| Average equity | $104,532,000 | 818 |
| Average total loans | $566,320,500 | 947 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5643% | 4,648 |
| Cost of funding earning assets | 0.7268% | 900 |
| Net interest margin | 2.8375% | 5,122 |
| Noninterest income to average assets | 0.5269% | 2,841 |
| Noninterest expense to average assets | 2.1583% | 4,627 |
| Loan and lease loss provision to assets | 0.0269% | 3,753 |
| Net operating income to assets | 0.7845% | 3,229 |
| Return on assets (ROA) | 0.8577% | 2,944 |
| Pretax return on assets | 1.0155% | 3,511 |
| Return on Equity (ROE) | 8.1616% | 2,724 |
| Retained earnings to average equity (ytd only) | 2.3078% | 3,938 |
| Net charge-offs to loans | 0.0256% | 3,293 |
| Credit loss provision to net charge-offs | 194.8905% | 1,400 |
| Earnings coverage of net charge-offs (x) | 69.1752% | 863 |
| Efficiency ratio | 69.3192% | 2,649 |
| Assets per employee ($millions) | 5.1764% | 2,279 |
| Cash dividends to net income (ytd only)* | 71.7241% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,032 |
| Loan loss allowance to noncurrent loans | 145.0969% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 2,438 |
| Noncurrent loans to loans | 0.9224% | 1,938 |
| Net loans and leases to total assets | 55.8222% | 4,206 |
| Net loans and leases to deposits | 70.0807% | 3,870 |
| Net loans and leases to core deposits | 73.1155% | 3,962 |
| Total domestic deposits to total assets | 79.6542% | 4,404 |
| Equity capital to assets | 10.7867% | 2,854 |
| Core capital (leverage) ratio | 8.8392% | 4,824 |
| Tier 1 risk-based capital ratio | 13.0553% | 3,878 |
| Total risk-based capital ratio | 14.2100% | 3,831 |
| Memoranda: | ||
| Average total assets | $992,071,600 | 744 |
| Average earning assets | $904,385,800 | 749 |
| Average equity | $104,256,000 | 788 |
| Average total loans | $535,471,200 | 953 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5442% | 4,706 |
| Cost of funding earning assets | 0.7150% | 903 |
| Net interest margin | 2.8292% | 5,179 |
| Noninterest income to average assets | 0.5187% | 2,906 |
| Noninterest expense to average assets | 2.2186% | 4,484 |
| Loan and lease loss provision to assets | 0.0224% | 3,698 |
| Net operating income to assets | 0.7409% | 3,771 |
| Return on assets (ROA) | 0.8444% | 3,344 |
| Pretax return on assets | 0.9749% | 3,785 |
| Return on Equity (ROE) | 8.0879% | 3,084 |
| Retained earnings to average equity (ytd only) | 2.2008% | 4,539 |
| Net charge-offs to loans | 0.0191% | 3,106 |
| Credit loss provision to net charge-offs | 219.7368% | 1,258 |
| Earnings coverage of net charge-offs (x) | 86.0665% | 771 |
| Efficiency ratio | 71.6386% | 2,255 |
| Assets per employee ($millions) | 5.2604% | 2,161 |
| Cash dividends to net income (ytd only)* | 72.7894% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 2,011 |
| Loan loss allowance to noncurrent loans | 129.8919% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 2,430 |
| Noncurrent loans to loans | 1.0564% | 1,826 |
| Net loans and leases to total assets | 54.4212% | 4,381 |
| Net loans and leases to deposits | 69.6594% | 3,986 |
| Net loans and leases to core deposits | 72.1263% | 4,122 |
| Total domestic deposits to total assets | 78.1248% | 4,705 |
| Equity capital to assets | 10.7477% | 3,119 |
| Core capital (leverage) ratio | 8.6736% | 5,086 |
| Tier 1 risk-based capital ratio | 13.3433% | 3,798 |
| Total risk-based capital ratio | 14.5279% | 3,750 |
| Memoranda: | ||
| Average total assets | $992,916,500 | 748 |
| Average earning assets | $904,829,000 | 755 |
| Average equity | $103,658,250 | 794 |
| Average total loans | $529,489,750 | 969 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5043% | 4,753 |
| Cost of funding earning assets | 0.6740% | 1,025 |
| Net interest margin | 2.8303% | 5,200 |
| Noninterest income to average assets | 0.5086% | 2,967 |
| Noninterest expense to average assets | 2.1757% | 4,610 |
| Loan and lease loss provision to assets | 0.0167% | 3,624 |
| Net operating income to assets | 0.7679% | 3,555 |
| Return on assets (ROA) | 0.8494% | 3,205 |
| Pretax return on assets | 0.9896% | 3,607 |
| Return on Equity (ROE) | 8.2160% | 2,904 |
| Retained earnings to average equity (ytd only) | 2.2900% | 4,310 |
| Net charge-offs to loans | 0.0331% | 2,535 |
| Credit loss provision to net charge-offs | 95.4023% | 2,092 |
| Earnings coverage of net charge-offs (x) | 52.1724% | 1,044 |
| Efficiency ratio | 70.4761% | 2,589 |
| Assets per employee ($millions) | 5.1754% | 2,182 |
| Cash dividends to net income (ytd only)* | 72.1277% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 1,977 |
| Loan loss allowance to noncurrent loans | 164.7546% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 2,849 |
| Noncurrent loans to loans | 0.8456% | 2,292 |
| Net loans and leases to total assets | 51.8359% | 4,586 |
| Net loans and leases to deposits | 74.3818% | 3,506 |
| Net loans and leases to core deposits | 77.2681% | 3,657 |
| Total domestic deposits to total assets | 69.6890% | 5,549 |
| Equity capital to assets | 10.4823% | 3,371 |
| Core capital (leverage) ratio | 8.6471% | 5,092 |
| Tier 1 risk-based capital ratio | 13.2050% | 3,874 |
| Total risk-based capital ratio | 14.3644% | 3,845 |
| Memoranda: | ||
| Average total assets | $995,991,330 | 745 |
| Average earning assets | $907,389,000 | 756 |
| Average equity | $102,969,670 | 799 |
| Average total loans | $525,058,000 | 978 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4944% | 4,707 |
| Cost of funding earning assets | 0.6307% | 1,185 |
| Net interest margin | 2.8637% | 5,149 |
| Noninterest income to average assets | 0.4928% | 3,027 |
| Noninterest expense to average assets | 2.1049% | 4,838 |
| Loan and lease loss provision to assets | 0.0335% | 3,116 |
| Net operating income to assets | 0.8228% | 3,110 |
| Return on assets (ROA) | 0.9266% | 2,688 |
| Pretax return on assets | 1.0855% | 3,041 |
| Return on Equity (ROE) | 9.0267% | 2,408 |
| Retained earnings to average equity (ytd only) | 3.0325% | 3,899 |
| Net charge-offs to loans | -0.0160% | 4,624 |
| Credit loss provision to net charge-offs | -395.2381% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8627% | 3,223 |
| Assets per employee ($millions) | 5.5303% | 1,863 |
| Cash dividends to net income (ytd only)* | 66.4056% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,989 |
| Loan loss allowance to noncurrent loans | 161.1795% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 2,931 |
| Noncurrent loans to loans | 0.8817% | 2,269 |
| Net loans and leases to total assets | 51.7015% | 4,543 |
| Net loans and leases to deposits | 69.8510% | 3,812 |
| Net loans and leases to core deposits | 72.3684% | 3,956 |
| Total domestic deposits to total assets | 74.0169% | 5,415 |
| Equity capital to assets | 10.2528% | 3,466 |
| Core capital (leverage) ratio | 8.6569% | 5,095 |
| Tier 1 risk-based capital ratio | 13.1745% | 3,973 |
| Total risk-based capital ratio | 14.3732% | 3,914 |
| Memoranda: | ||
| Average total assets | $991,970,000 | 754 |
| Average earning assets | $903,723,000 | 764 |
| Average equity | $101,831,500 | 805 |
| Average total loans | $523,685,500 | 979 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 4,659 |
| Cost of funding earning assets | 0.5946% | 1,377 |
| Net interest margin | 2.9475% | 5,052 |
| Noninterest income to average assets | 0.5656% | 2,837 |
| Noninterest expense to average assets | 2.0614% | 5,073 |
| Loan and lease loss provision to assets | 0.2131% | 1,059 |
| Net operating income to assets | 0.8244% | 3,187 |
| Return on assets (ROA) | 0.9444% | 2,716 |
| Pretax return on assets | 1.1228% | 3,005 |
| Return on Equity (ROE) | 8.7675% | 2,530 |
| Retained earnings to average equity (ytd only) | 2.9719% | 3,784 |
| Net charge-offs to loans | 0.2828% | 974 |
| Credit loss provision to net charge-offs | 142.1843% | 1,929 |
| Earnings coverage of net charge-offs (x) | 7.9604% | 2,945 |
| Efficiency ratio | 63.3397% | 4,049 |
| Assets per employee ($millions) | 5.4008% | 1,954 |
| Cash dividends to net income (ytd only)* | 66.1033% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 2,043 |
| Loan loss allowance to noncurrent loans | 247.7939% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 3,543 |
| Noncurrent loans to loans | 0.5684% | 3,137 |
| Net loans and leases to total assets | 52.3960% | 4,574 |
| Net loans and leases to deposits | 70.1666% | 3,886 |
| Net loans and leases to core deposits | 72.6836% | 4,038 |
| Total domestic deposits to total assets | 74.6736% | 5,383 |
| Equity capital to assets | 10.2786% | 3,411 |
| Core capital (leverage) ratio | 8.6697% | 5,107 |
| Tier 1 risk-based capital ratio | 13.0589% | 4,030 |
| Total risk-based capital ratio | 14.2367% | 3,993 |
| Memoranda: | ||
| Average total assets | $977,440,200 | 738 |
| Average earning assets | $891,712,800 | 738 |
| Average equity | $105,286,400 | 755 |
| Average total loans | $517,972,200 | 948 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5600% | 4,656 |
| Cost of funding earning assets | 0.5864% | 1,438 |
| Net interest margin | 2.9736% | 5,063 |
| Noninterest income to average assets | 0.5856% | 2,728 |
| Noninterest expense to average assets | 2.0621% | 5,080 |
| Loan and lease loss provision to assets | 0.2322% | 854 |
| Net operating income to assets | 0.8414% | 3,193 |
| Return on assets (ROA) | 0.9319% | 2,867 |
| Pretax return on assets | 1.1132% | 3,173 |
| Return on Equity (ROE) | 8.5527% | 2,732 |
| Retained earnings to average equity (ytd only) | 2.8158% | 4,205 |
| Net charge-offs to loans | 0.3712% | 600 |
| Credit loss provision to net charge-offs | 118.1376% | 2,118 |
| Earnings coverage of net charge-offs (x) | 6.2960% | 3,013 |
| Efficiency ratio | 62.4938% | 4,141 |
| Assets per employee ($millions) | 5.2170% | 2,129 |
| Cash dividends to net income (ytd only)* | 67.0771% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 2,378 |
| Loan loss allowance to noncurrent loans | 247.9632% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 3,701 |
| Noncurrent loans to loans | 0.5492% | 3,350 |
| Net loans and leases to total assets | 52.5316% | 4,610 |
| Net loans and leases to deposits | 67.0041% | 4,247 |
| Net loans and leases to core deposits | 68.3055% | 4,440 |
| Total domestic deposits to total assets | 78.4006% | 4,832 |
| Equity capital to assets | 11.2139% | 2,784 |
| Core capital (leverage) ratio | 8.6798% | 5,170 |
| Tier 1 risk-based capital ratio | 13.3452% | 3,955 |
| Total risk-based capital ratio | 14.5027% | 3,917 |
| Memoranda: | ||
| Average total assets | $976,063,250 | 746 |
| Average earning assets | $890,874,250 | 743 |
| Average equity | $106,349,750 | 752 |
| Average total loans | $516,869,750 | 949 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5482% | 4,754 |
| Cost of funding earning assets | 0.5822% | 1,457 |
| Net interest margin | 2.9660% | 5,140 |
| Noninterest income to average assets | 0.5236% | 3,045 |
| Noninterest expense to average assets | 2.0570% | 5,153 |
| Loan and lease loss provision to assets | 0.1157% | 1,955 |
| Net operating income to assets | 0.8878% | 2,922 |
| Return on assets (ROA) | 0.9554% | 2,748 |
| Pretax return on assets | 1.1395% | 3,043 |
| Return on Equity (ROE) | 8.8534% | 2,557 |
| Retained earnings to average equity (ytd only) | 3.0816% | 3,945 |
| Net charge-offs to loans | 0.0336% | 2,780 |
| Credit loss provision to net charge-offs | 651.7241% | 530 |
| Earnings coverage of net charge-offs (x) | 66.1494% | 819 |
| Efficiency ratio | 63.6473% | 4,080 |
| Assets per employee ($millions) | 5.3573% | 1,927 |
| Cash dividends to net income (ytd only)* | 65.1923% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 2,311 |
| Loan loss allowance to noncurrent loans | 243.1458% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 3,776 |
| Noncurrent loans to loans | 0.5743% | 3,345 |
| Net loans and leases to total assets | 51.9982% | 4,672 |
| Net loans and leases to deposits | 73.7589% | 3,619 |
| Net loans and leases to core deposits | 75.4017% | 3,876 |
| Total domestic deposits to total assets | 70.4975% | 5,757 |
| Equity capital to assets | 11.1776% | 2,870 |
| Core capital (leverage) ratio | 8.5627% | 5,306 |
| Tier 1 risk-based capital ratio | 12.8016% | 4,314 |
| Total risk-based capital ratio | 13.9542% | 4,289 |
| Memoranda: | ||
| Average total assets | $979,699,670 | 740 |
| Average earning assets | $894,544,000 | 739 |
| Average equity | $105,722,670 | 756 |
| Average total loans | $517,822,670 | 943 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5573% | 4,746 |
| Cost of funding earning assets | 0.5877% | 1,423 |
| Net interest margin | 2.9696% | 5,181 |
| Noninterest income to average assets | 0.5252% | 2,959 |
| Noninterest expense to average assets | 2.0826% | 5,149 |
| Loan and lease loss provision to assets | 0.1156% | 1,814 |
| Net operating income to assets | 0.8884% | 2,811 |
| Return on assets (ROA) | 0.8932% | 2,917 |
| Pretax return on assets | 1.0448% | 3,298 |
| Return on Equity (ROE) | 8.4284% | 2,692 |
| Retained earnings to average equity (ytd only) | 2.5512% | 4,226 |
| Net charge-offs to loans | 0.0077% | 2,858 |
| Credit loss provision to net charge-offs | 2,830.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 282.7000% | 211 |
| Efficiency ratio | 64.3326% | 4,066 |
| Assets per employee ($millions) | 5.4033% | 1,922 |
| Cash dividends to net income (ytd only)* | 69.7302% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 2,666 |
| Loan loss allowance to noncurrent loans | 215.9532% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 3,733 |
| Noncurrent loans to loans | 0.6246% | 3,302 |
| Net loans and leases to total assets | 52.4390% | 4,587 |
| Net loans and leases to deposits | 70.0519% | 3,854 |
| Net loans and leases to core deposits | 71.5466% | 4,098 |
| Total domestic deposits to total assets | 74.8573% | 5,535 |
| Equity capital to assets | 10.8607% | 3,100 |
| Core capital (leverage) ratio | 8.4458% | 5,445 |
| Tier 1 risk-based capital ratio | 12.8823% | 4,337 |
| Total risk-based capital ratio | 14.0221% | 4,324 |
| Memoranda: | ||
| Average total assets | $979,360,500 | 741 |
| Average earning assets | $894,398,500 | 741 |
| Average equity | $103,792,500 | 772 |
| Average total loans | $518,235,000 | 942 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 4,415 |
| Cost of funding earning assets | 0.5791% | 1,500 |
| Net interest margin | 3.1049% | 4,888 |
| Noninterest income to average assets | 0.5840% | 2,808 |
| Noninterest expense to average assets | 2.2113% | 5,028 |
| Loan and lease loss provision to assets | 0.2413% | 795 |
| Net operating income to assets | 0.7890% | 3,383 |
| Return on assets (ROA) | 0.9741% | 2,574 |
| Pretax return on assets | 1.1865% | 2,709 |
| Return on Equity (ROE) | 9.0724% | 2,424 |
| Retained earnings to average equity (ytd only) | 3.0505% | 3,886 |
| Net charge-offs to loans | 0.3805% | 756 |
| Credit loss provision to net charge-offs | 118.1017% | 2,181 |
| Earnings coverage of net charge-offs (x) | 5.8833% | 3,311 |
| Efficiency ratio | 64.4097% | 4,183 |
| Assets per employee ($millions) | 5.1891% | 2,132 |
| Cash dividends to net income (ytd only)* | 66.3766% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,873 |
| Loan loss allowance to noncurrent loans | 231.2629% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 3,823 |
| Noncurrent loans to loans | 0.5641% | 3,484 |
| Net loans and leases to total assets | 51.9889% | 4,695 |
| Net loans and leases to deposits | 70.1903% | 3,902 |
| Net loans and leases to core deposits | 71.6654% | 4,159 |
| Total domestic deposits to total assets | 74.0684% | 5,637 |
| Equity capital to assets | 10.3360% | 3,583 |
| Core capital (leverage) ratio | 8.4634% | 5,463 |
| Tier 1 risk-based capital ratio | 12.6681% | 4,528 |
| Total risk-based capital ratio | 13.7551% | 4,523 |
| Memoranda: | ||
| Average total assets | $943,713,200 | 729 |
| Average earning assets | $859,919,200 | 737 |
| Average equity | $101,328,800 | 760 |
| Average total loans | $506,761,200 | 925 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 4,425 |
| Cost of funding earning assets | 0.5772% | 1,566 |
| Net interest margin | 3.1205% | 4,910 |
| Noninterest income to average assets | 0.5906% | 2,800 |
| Noninterest expense to average assets | 2.2524% | 4,903 |
| Loan and lease loss provision to assets | 0.1681% | 1,254 |
| Net operating income to assets | 0.8115% | 3,379 |
| Return on assets (ROA) | 1.0547% | 2,291 |
| Pretax return on assets | 1.3165% | 2,327 |
| Return on Equity (ROE) | 9.7274% | 2,206 |
| Retained earnings to average equity (ytd only) | 3.7044% | 3,832 |
| Net charge-offs to loans | 0.0883% | 2,282 |
| Credit loss provision to net charge-offs | 352.6946% | 834 |
| Earnings coverage of net charge-offs (x) | 24.7726% | 1,681 |
| Efficiency ratio | 65.1081% | 4,046 |
| Assets per employee ($millions) | 5.1546% | 2,108 |
| Cash dividends to net income (ytd only)* | 61.9183% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 2,644 |
| Loan loss allowance to noncurrent loans | 127.6288% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 3,438 |
| Noncurrent loans to loans | 1.0902% | 2,302 |
| Net loans and leases to total assets | 52.9042% | 4,671 |
| Net loans and leases to deposits | 70.5227% | 3,921 |
| Net loans and leases to core deposits | 71.9196% | 4,197 |
| Total domestic deposits to total assets | 75.0172% | 5,623 |
| Equity capital to assets | 10.5639% | 3,528 |
| Core capital (leverage) ratio | 8.6083% | 5,451 |
| Tier 1 risk-based capital ratio | 12.4775% | 4,772 |
| Total risk-based capital ratio | 13.6205% | 4,748 |
| Memoranda: | ||
| Average total assets | $934,458,750 | 740 |
| Average earning assets | $851,172,500 | 751 |
| Average equity | $101,319,000 | 766 |
| Average total loans | $504,299,000 | 930 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 4,262 |
| Cost of funding earning assets | 0.5777% | 1,590 |
| Net interest margin | 3.1662% | 4,763 |
| Noninterest income to average assets | 0.5966% | 2,763 |
| Noninterest expense to average assets | 2.2936% | 4,859 |
| Loan and lease loss provision to assets | 0.0921% | 2,278 |
| Net operating income to assets | 0.8740% | 3,021 |
| Return on assets (ROA) | 1.0638% | 2,195 |
| Pretax return on assets | 1.3321% | 2,238 |
| Return on Equity (ROE) | 9.7238% | 2,197 |
| Retained earnings to average equity (ytd only) | 3.6804% | 3,682 |
| Net charge-offs to loans | 0.0862% | 2,176 |
| Credit loss provision to net charge-offs | 197.6744% | 1,251 |
| Earnings coverage of net charge-offs (x) | 25.4744% | 1,520 |
| Efficiency ratio | 65.1454% | 4,165 |
| Assets per employee ($millions) | 4.8418% | 2,488 |
| Cash dividends to net income (ytd only)* | 62.1512% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 3,163 |
| Loan loss allowance to noncurrent loans | 182.0188% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 4,248 |
| Noncurrent loans to loans | 0.7221% | 3,318 |
| Net loans and leases to total assets | 53.0329% | 4,657 |
| Net loans and leases to deposits | 73.8270% | 3,510 |
| Net loans and leases to core deposits | 75.4966% | 3,811 |
| Total domestic deposits to total assets | 71.8340% | 5,943 |
| Equity capital to assets | 10.6764% | 3,245 |
| Core capital (leverage) ratio | 8.5704% | 5,472 |
| Tier 1 risk-based capital ratio | 12.8911% | 4,580 |
| Total risk-based capital ratio | 13.9744% | 4,589 |
| Memoranda: | ||
| Average total assets | $922,924,000 | 760 |
| Average earning assets | $840,624,330 | 766 |
| Average equity | $100,968,330 | 771 |
| Average total loans | $499,095,670 | 940 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 4,100 |
| Cost of funding earning assets | 0.5719% | 1,644 |
| Net interest margin | 3.2061% | 4,591 |
| Noninterest income to average assets | 0.5923% | 2,688 |
| Noninterest expense to average assets | 2.2897% | 4,914 |
| Loan and lease loss provision to assets | 0.0925% | 2,146 |
| Net operating income to assets | 0.8994% | 2,741 |
| Return on assets (ROA) | 1.0690% | 2,097 |
| Pretax return on assets | 1.3463% | 2,094 |
| Return on Equity (ROE) | 9.6526% | 2,155 |
| Retained earnings to average equity (ytd only) | 3.6428% | 3,821 |
| Net charge-offs to loans | 0.0941% | 1,785 |
| Credit loss provision to net charge-offs | 181.1966% | 1,122 |
| Earnings coverage of net charge-offs (x) | 23.9915% | 1,311 |
| Efficiency ratio | 64.3167% | 4,431 |
| Assets per employee ($millions) | 4.7144% | 2,743 |
| Cash dividends to net income (ytd only)* | 62.2603% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 3,532 |
| Loan loss allowance to noncurrent loans | 160.2818% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 4,264 |
| Noncurrent loans to loans | 0.7970% | 3,250 |
| Net loans and leases to total assets | 54.2374% | 4,416 |
| Net loans and leases to deposits | 75.2534% | 3,143 |
| Net loans and leases to core deposits | 76.9447% | 3,499 |
| Total domestic deposits to total assets | 72.0730% | 6,039 |
| Equity capital to assets | 11.1020% | 2,859 |
| Core capital (leverage) ratio | 8.6124% | 5,408 |
| Tier 1 risk-based capital ratio | 12.9617% | 4,621 |
| Total risk-based capital ratio | 14.0392% | 4,655 |
| Memoranda: | ||
| Average total assets | $917,155,500 | 762 |
| Average earning assets | $835,771,500 | 766 |
| Average equity | $101,569,000 | 766 |
| Average total loans | $497,557,500 | 942 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8020% | 4,488 |
| Cost of funding earning assets | 0.5470% | 2,228 |
| Net interest margin | 3.2550% | 4,731 |
| Noninterest income to average assets | 0.5870% | 2,937 |
| Noninterest expense to average assets | 2.3586% | 4,953 |
| Loan and lease loss provision to assets | 0.0482% | 3,606 |
| Net operating income to assets | 0.8976% | 2,886 |
| Return on assets (ROA) | 1.1261% | 1,936 |
| Pretax return on assets | 1.4152% | 1,833 |
| Return on Equity (ROE) | 10.4006% | 1,956 |
| Retained earnings to average equity (ytd only) | 3.1704% | 3,980 |
| Net charge-offs to loans | 0.1200% | 2,840 |
| Credit loss provision to net charge-offs | 77.0463% | 2,925 |
| Earnings coverage of net charge-offs (x) | 18.8434% | 1,816 |
| Efficiency ratio | 65.8396% | 4,280 |
| Assets per employee ($millions) | 4.4404% | 3,136 |
| Cash dividends to net income (ytd only)* | 69.5171% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 3,361 |
| Loan loss allowance to noncurrent loans | 160.3916% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 4,340 |
| Noncurrent loans to loans | 0.8173% | 3,273 |
| Net loans and leases to total assets | 52.8485% | 4,708 |
| Net loans and leases to deposits | 72.2404% | 3,655 |
| Net loans and leases to core deposits | 73.8005% | 3,937 |
| Total domestic deposits to total assets | 73.1565% | 6,004 |
| Equity capital to assets | 11.0462% | 2,853 |
| Core capital (leverage) ratio | 8.6273% | 5,411 |
| Tier 1 risk-based capital ratio | 13.9220% | 4,151 |
| Total risk-based capital ratio | 15.0710% | 4,157 |
| Memoranda: | ||
| Average total assets | $899,262,600 | 739 |
| Average earning assets | $814,775,600 | 749 |
| Average equity | $97,369,600 | 754 |
| Average total loans | $468,265,000 | 948 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 4,494 |
| Cost of funding earning assets | 0.5451% | 2,339 |
| Net interest margin | 3.2680% | 4,729 |
| Noninterest income to average assets | 0.5674% | 3,082 |
| Noninterest expense to average assets | 2.3627% | 4,935 |
| Loan and lease loss provision to assets | 0.0644% | 3,060 |
| Net operating income to assets | 0.8784% | 3,031 |
| Return on assets (ROA) | 1.1120% | 2,045 |
| Pretax return on assets | 1.3889% | 2,053 |
| Return on Equity (ROE) | 10.3227% | 2,060 |
| Retained earnings to average equity (ytd only) | 3.0332% | 4,456 |
| Net charge-offs to loans | 0.1329% | 2,466 |
| Credit loss provision to net charge-offs | 93.7229% | 2,361 |
| Earnings coverage of net charge-offs (x) | 16.9027% | 1,937 |
| Efficiency ratio | 66.1799% | 4,192 |
| Assets per employee ($millions) | 4.3041% | 3,292 |
| Cash dividends to net income (ytd only)* | 70.6165% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 3,464 |
| Loan loss allowance to noncurrent loans | 157.3715% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.4803% | 4,455 |
| Noncurrent loans to loans | 0.8490% | 3,445 |
| Net loans and leases to total assets | 53.0246% | 4,694 |
| Net loans and leases to deposits | 72.6352% | 3,609 |
| Net loans and leases to core deposits | 74.1208% | 3,928 |
| Total domestic deposits to total assets | 73.0012% | 6,095 |
| Equity capital to assets | 10.9442% | 3,009 |
| Core capital (leverage) ratio | 8.6678% | 5,485 |
| Tier 1 risk-based capital ratio | 13.3857% | 4,613 |
| Total risk-based capital ratio | 14.5218% | 4,622 |
| Memoranda: | ||
| Average total assets | $896,507,500 | 749 |
| Average earning assets | $811,129,000 | 755 |
| Average equity | $96,574,000 | 758 |
| Average total loans | $463,466,000 | 963 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 4,496 |
| Cost of funding earning assets | 0.5524% | 2,328 |
| Net interest margin | 3.2566% | 4,755 |
| Noninterest income to average assets | 0.5507% | 3,115 |
| Noninterest expense to average assets | 2.3784% | 4,944 |
| Loan and lease loss provision to assets | 0.0745% | 2,787 |
| Net operating income to assets | 0.8219% | 3,223 |
| Return on assets (ROA) | 1.1400% | 1,873 |
| Pretax return on assets | 1.4453% | 1,729 |
| Return on Equity (ROE) | 10.6398% | 1,874 |
| Retained earnings to average equity (ytd only) | 3.2905% | 4,109 |
| Net charge-offs to loans | 0.1645% | 2,077 |
| Credit loss provision to net charge-offs | 88.8000% | 2,199 |
| Earnings coverage of net charge-offs (x) | 13.3173% | 1,982 |
| Efficiency ratio | 67.1637% | 4,167 |
| Assets per employee ($millions) | 4.3251% | 3,221 |
| Cash dividends to net income (ytd only)* | 69.0738% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 3,366 |
| Loan loss allowance to noncurrent loans | 159.0228% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 4,553 |
| Noncurrent loans to loans | 0.8784% | 3,502 |
| Net loans and leases to total assets | 51.3150% | 4,818 |
| Net loans and leases to deposits | 70.7959% | 3,723 |
| Net loans and leases to core deposits | 72.2301% | 4,030 |
| Total domestic deposits to total assets | 72.4830% | 6,218 |
| Equity capital to assets | 11.0566% | 2,819 |
| Core capital (leverage) ratio | 8.7016% | 5,389 |
| Tier 1 risk-based capital ratio | 13.6744% | 4,472 |
| Total risk-based capital ratio | 14.8432% | 4,467 |
| Memoranda: | ||
| Average total assets | $894,054,670 | 751 |
| Average earning assets | $808,458,000 | 757 |
| Average equity | $95,791,670 | 759 |
| Average total loans | $456,034,330 | 966 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7645% | 4,619 |
| Cost of funding earning assets | 0.5554% | 2,381 |
| Net interest margin | 3.2090% | 4,895 |
| Noninterest income to average assets | 0.4984% | 3,421 |
| Noninterest expense to average assets | 2.3220% | 5,141 |
| Loan and lease loss provision to assets | 0.0594% | 2,919 |
| Net operating income to assets | 0.8215% | 3,048 |
| Return on assets (ROA) | 1.0375% | 2,127 |
| Pretax return on assets | 1.2867% | 2,144 |
| Return on Equity (ROE) | 9.8398% | 2,100 |
| Retained earnings to average equity (ytd only) | 2.3848% | 4,644 |
| Net charge-offs to loans | 0.1548% | 1,789 |
| Credit loss provision to net charge-offs | 76.0000% | 1,947 |
| Earnings coverage of net charge-offs (x) | 13.8114% | 1,648 |
| Efficiency ratio | 67.3713% | 4,301 |
| Assets per employee ($millions) | 4.2614% | 3,416 |
| Cash dividends to net income (ytd only)* | 75.7641% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 3,511 |
| Loan loss allowance to noncurrent loans | 158.5557% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 4,629 |
| Noncurrent loans to loans | 0.8940% | 3,647 |
| Net loans and leases to total assets | 50.5741% | 4,844 |
| Net loans and leases to deposits | 66.9646% | 3,977 |
| Net loans and leases to core deposits | 68.6895% | 4,239 |
| Total domestic deposits to total assets | 75.5236% | 6,114 |
| Equity capital to assets | 10.7648% | 2,970 |
| Core capital (leverage) ratio | 8.6197% | 5,503 |
| Tier 1 risk-based capital ratio | 13.3993% | 4,769 |
| Total risk-based capital ratio | 14.5612% | 4,744 |
| Memoranda: | ||
| Average total assets | $895,601,000 | 757 |
| Average earning assets | $810,210,500 | 767 |
| Average equity | $94,432,500 | 775 |
| Average total loans | $452,214,500 | 971 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 3,698 |
| Cost of funding earning assets | 0.6548% | 2,171 |
| Net interest margin | 3.4544% | 4,075 |
| Noninterest income to average assets | 0.5710% | 3,268 |
| Noninterest expense to average assets | 2.3355% | 5,272 |
| Loan and lease loss provision to assets | 0.1624% | 2,249 |
| Net operating income to assets | 0.9421% | 2,598 |
| Return on assets (ROA) | 1.2201% | 1,560 |
| Pretax return on assets | 1.5102% | 1,414 |
| Return on Equity (ROE) | 10.4579% | 1,933 |
| Retained earnings to average equity (ytd only) | -0.1075% | 5,893 |
| Net charge-offs to loans | 0.1423% | 3,380 |
| Credit loss provision to net charge-offs | 219.5200% | 1,049 |
| Earnings coverage of net charge-offs (x) | 17.9744% | 1,683 |
| Efficiency ratio | 62.8447% | 5,079 |
| Assets per employee ($millions) | 4.3505% | 3,174 |
| Cash dividends to net income (ytd only)* | 101.0281% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 3,390 |
| Loan loss allowance to noncurrent loans | 168.5367% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 4,792 |
| Noncurrent loans to loans | 0.8643% | 3,818 |
| Net loans and leases to total assets | 48.9694% | 5,197 |
| Net loans and leases to deposits | 63.6756% | 4,536 |
| Net loans and leases to core deposits | 65.3304% | 4,747 |
| Total domestic deposits to total assets | 76.9045% | 5,986 |
| Equity capital to assets | 10.3257% | 3,371 |
| Core capital (leverage) ratio | 8.5644% | 5,595 |
| Tier 1 risk-based capital ratio | 13.1949% | 4,855 |
| Total risk-based capital ratio | 14.3564% | 4,853 |
| Memoranda: | ||
| Average total assets | $845,030,200 | 787 |
| Average earning assets | $756,864,400 | 791 |
| Average equity | $98,586,000 | 715 |
| Average total loans | $439,212,000 | 975 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 3,334 |
| Cost of funding earning assets | 0.6689% | 2,183 |
| Net interest margin | 3.5452% | 3,684 |
| Noninterest income to average assets | 0.5789% | 3,274 |
| Noninterest expense to average assets | 2.3795% | 5,082 |
| Loan and lease loss provision to assets | 0.1176% | 2,827 |
| Net operating income to assets | 0.9970% | 2,387 |
| Return on assets (ROA) | 1.3748% | 1,208 |
| Pretax return on assets | 1.7205% | 1,057 |
| Return on Equity (ROE) | 11.4281% | 1,673 |
| Retained earnings to average equity (ytd only) | -0.1147% | 5,959 |
| Net charge-offs to loans | 0.1540% | 3,006 |
| Credit loss provision to net charge-offs | 145.1485% | 1,624 |
| Earnings coverage of net charge-offs (x) | 16.8593% | 1,773 |
| Efficiency ratio | 62.6547% | 5,038 |
| Assets per employee ($millions) | 4.1123% | 3,614 |
| Cash dividends to net income (ytd only)* | 101.0035% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 4,189 |
| Loan loss allowance to noncurrent loans | 157.8532% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 4,921 |
| Noncurrent loans to loans | 0.8500% | 4,128 |
| Net loans and leases to total assets | 52.5870% | 4,807 |
| Net loans and leases to deposits | 65.9951% | 4,309 |
| Net loans and leases to core deposits | 68.2148% | 4,508 |
| Total domestic deposits to total assets | 79.6832% | 5,585 |
| Equity capital to assets | 11.2997% | 2,471 |
| Core capital (leverage) ratio | 9.1080% | 4,960 |
| Tier 1 risk-based capital ratio | 13.3567% | 4,867 |
| Total risk-based capital ratio | 14.4395% | 4,932 |
| Memoranda: | ||
| Average total assets | $831,147,750 | 799 |
| Average earning assets | $742,328,750 | 820 |
| Average equity | $99,985,250 | 713 |
| Average total loans | $437,135,500 | 976 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 3,061 |
| Cost of funding earning assets | 0.6711% | 2,304 |
| Net interest margin | 3.6033% | 3,342 |
| Noninterest income to average assets | 0.6037% | 3,168 |
| Noninterest expense to average assets | 2.3976% | 5,059 |
| Loan and lease loss provision to assets | 0.1448% | 2,528 |
| Net operating income to assets | 1.0221% | 2,231 |
| Return on assets (ROA) | 1.5460% | 893 |
| Pretax return on assets | 1.9171% | 727 |
| Return on Equity (ROE) | 12.5939% | 1,339 |
| Retained earnings to average equity (ytd only) | -0.9654% | 6,044 |
| Net charge-offs to loans | 0.2038% | 2,535 |
| Credit loss provision to net charge-offs | 135.7466% | 1,667 |
| Earnings coverage of net charge-offs (x) | 13.2624% | 1,913 |
| Efficiency ratio | 62.0196% | 5,168 |
| Assets per employee ($millions) | 4.0557% | 3,677 |
| Cash dividends to net income (ytd only)* | 107.6659% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,251 |
| Loan loss allowance to noncurrent loans | 146.5645% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 4,909 |
| Noncurrent loans to loans | 0.9236% | 4,076 |
| Net loans and leases to total assets | 51.2283% | 4,965 |
| Net loans and leases to deposits | 67.6874% | 4,058 |
| Net loans and leases to core deposits | 69.5262% | 4,320 |
| Total domestic deposits to total assets | 75.6837% | 6,282 |
| Equity capital to assets | 11.4036% | 2,374 |
| Core capital (leverage) ratio | 9.0782% | 4,863 |
| Tier 1 risk-based capital ratio | 13.0940% | 5,078 |
| Total risk-based capital ratio | 14.1499% | 5,156 |
| Memoranda: | ||
| Average total assets | $828,563,670 | 802 |
| Average earning assets | $737,871,670 | 823 |
| Average equity | $101,716,000 | 709 |
| Average total loans | $433,796,670 | 979 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 3,029 |
| Cost of funding earning assets | 0.6792% | 2,400 |
| Net interest margin | 3.5888% | 3,305 |
| Noninterest income to average assets | 0.6109% | 3,079 |
| Noninterest expense to average assets | 2.2902% | 5,456 |
| Loan and lease loss provision to assets | 0.1949% | 1,901 |
| Net operating income to assets | 1.1161% | 1,799 |
| Return on assets (ROA) | 1.2257% | 1,561 |
| Pretax return on assets | 1.4664% | 1,665 |
| Return on Equity (ROE) | 9.6330% | 2,219 |
| Retained earnings to average equity (ytd only) | -8.2700% | 6,536 |
| Net charge-offs to loans | 0.2502% | 1,954 |
| Credit loss provision to net charge-offs | 148.1481% | 1,382 |
| Earnings coverage of net charge-offs (x) | 11.6370% | 1,654 |
| Efficiency ratio | 59.0718% | 5,709 |
| Assets per employee ($millions) | 4.1149% | 3,710 |
| Cash dividends to net income (ytd only)* | 185.8506% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 4,373 |
| Loan loss allowance to noncurrent loans | 215.6376% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 5,556 |
| Noncurrent loans to loans | 0.6359% | 4,858 |
| Net loans and leases to total assets | 52.1024% | 4,692 |
| Net loans and leases to deposits | 67.0796% | 3,903 |
| Net loans and leases to core deposits | 69.0466% | 4,180 |
| Total domestic deposits to total assets | 77.6725% | 6,162 |
| Equity capital to assets | 12.6344% | 1,630 |
| Core capital (leverage) ratio | 9.0662% | 4,778 |
| Tier 1 risk-based capital ratio | 13.6966% | 4,723 |
| Total risk-based capital ratio | 14.8225% | 4,776 |
| Memoranda: | ||
| Average total assets | $821,053,500 | 817 |
| Average earning assets | $734,400,000 | 837 |
| Average equity | $104,474,500 | 697 |
| Average total loans | $431,653,000 | 993 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 2,426 |
| Cost of funding earning assets | 0.8860% | 2,019 |
| Net interest margin | 3.8545% | 3,006 |
| Noninterest income to average assets | 0.5925% | 3,318 |
| Noninterest expense to average assets | 2.4291% | 5,325 |
| Loan and lease loss provision to assets | 0.1943% | 3,205 |
| Net operating income to assets | 1.1566% | 1,749 |
| Return on assets (ROA) | 1.2472% | 1,616 |
| Pretax return on assets | 1.5225% | 1,613 |
| Return on Equity (ROE) | 10.0738% | 2,137 |
| Retained earnings to average equity (ytd only) | 4.3200% | 3,184 |
| Net charge-offs to loans | 0.4144% | 2,588 |
| Credit loss provision to net charge-offs | 91.0643% | 3,428 |
| Earnings coverage of net charge-offs (x) | 7.5293% | 2,582 |
| Efficiency ratio | 59.3441% | 5,645 |
| Assets per employee ($millions) | 4.2868% | 3,383 |
| Cash dividends to net income (ytd only)* | 57.1164% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 4,478 |
| Loan loss allowance to noncurrent loans | 174.1176% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 5,338 |
| Noncurrent loans to loans | 0.7658% | 4,650 |
| Net loans and leases to total assets | 51.6256% | 4,971 |
| Net loans and leases to deposits | 69.6070% | 3,760 |
| Net loans and leases to core deposits | 71.8879% | 4,054 |
| Total domestic deposits to total assets | 74.1672% | 6,513 |
| Equity capital to assets | 12.8131% | 1,537 |
| Core capital (leverage) ratio | 9.2537% | 4,496 |
| Tier 1 risk-based capital ratio | 13.7103% | 4,596 |
| Total risk-based capital ratio | 14.7812% | 4,683 |
| Memoranda: | ||
| Average total assets | $823,581,000 | 800 |
| Average earning assets | $735,632,400 | 811 |
| Average equity | $101,967,000 | 697 |
| Average total loans | $423,938,800 | 986 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 2,558 |
| Cost of funding earning assets | 0.9245% | 2,019 |
| Net interest margin | 3.8311% | 3,201 |
| Noninterest income to average assets | 0.5768% | 3,432 |
| Noninterest expense to average assets | 2.4652% | 5,194 |
| Loan and lease loss provision to assets | 0.1945% | 3,147 |
| Net operating income to assets | 1.1047% | 2,070 |
| Return on assets (ROA) | 1.3020% | 1,585 |
| Pretax return on assets | 1.5845% | 1,627 |
| Return on Equity (ROE) | 10.6089% | 2,096 |
| Retained earnings to average equity (ytd only) | 4.7967% | 3,516 |
| Net charge-offs to loans | 0.3873% | 2,545 |
| Credit loss provision to net charge-offs | 97.9592% | 3,054 |
| Earnings coverage of net charge-offs (x) | 7.7486% | 2,558 |
| Efficiency ratio | 60.7157% | 5,373 |
| Assets per employee ($millions) | 4.2503% | 3,368 |
| Cash dividends to net income (ytd only)* | 54.7865% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 4,498 |
| Loan loss allowance to noncurrent loans | 110.1082% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7188% | 4,889 |
| Noncurrent loans to loans | 1.2441% | 3,972 |
| Net loans and leases to total assets | 51.8190% | 5,077 |
| Net loans and leases to deposits | 66.9703% | 4,340 |
| Net loans and leases to core deposits | 69.0554% | 4,602 |
| Total domestic deposits to total assets | 77.3762% | 6,183 |
| Equity capital to assets | 12.8259% | 1,693 |
| Core capital (leverage) ratio | 9.2241% | 4,716 |
| Tier 1 risk-based capital ratio | 13.4150% | 4,937 |
| Total risk-based capital ratio | 14.4992% | 5,025 |
| Memoranda: | ||
| Average total assets | $822,638,750 | 805 |
| Average earning assets | $735,814,750 | 819 |
| Average equity | $100,956,500 | 707 |
| Average total loans | $421,699,500 | 995 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 2,446 |
| Cost of funding earning assets | 0.9837% | 1,860 |
| Net interest margin | 3.8316% | 3,215 |
| Noninterest income to average assets | 0.5650% | 3,488 |
| Noninterest expense to average assets | 2.4845% | 5,191 |
| Loan and lease loss provision to assets | 0.1943% | 3,146 |
| Net operating income to assets | 1.0800% | 2,124 |
| Return on assets (ROA) | 1.2805% | 1,652 |
| Pretax return on assets | 1.5591% | 1,673 |
| Return on Equity (ROE) | 10.5929% | 2,135 |
| Retained earnings to average equity (ytd only) | 4.6977% | 3,486 |
| Net charge-offs to loans | 0.4324% | 2,310 |
| Credit loss provision to net charge-offs | 88.3978% | 3,095 |
| Earnings coverage of net charge-offs (x) | 6.8641% | 2,567 |
| Efficiency ratio | 61.3588% | 5,357 |
| Assets per employee ($millions) | 4.2381% | 3,383 |
| Cash dividends to net income (ytd only)* | 55.6525% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 4,508 |
| Loan loss allowance to noncurrent loans | 130.7882% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 5,068 |
| Noncurrent loans to loans | 1.0612% | 4,391 |
| Net loans and leases to total assets | 50.8550% | 5,245 |
| Net loans and leases to deposits | 67.3385% | 4,314 |
| Net loans and leases to core deposits | 69.4982% | 4,594 |
| Total domestic deposits to total assets | 75.5215% | 6,529 |
| Equity capital to assets | 12.5698% | 1,771 |
| Core capital (leverage) ratio | 8.9024% | 5,045 |
| Tier 1 risk-based capital ratio | 13.1474% | 5,079 |
| Total risk-based capital ratio | 14.2154% | 5,182 |
| Memoranda: | ||
| Average total assets | $823,417,330 | 806 |
| Average earning assets | $736,776,330 | 817 |
| Average equity | $99,538,330 | 722 |
| Average total loans | $418,607,000 | 999 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8002% | 2,642 |
| Cost of funding earning assets | 1.0276% | 1,830 |
| Net interest margin | 3.7726% | 3,504 |
| Noninterest income to average assets | 0.5670% | 3,451 |
| Noninterest expense to average assets | 2.1867% | 6,074 |
| Loan and lease loss provision to assets | 0.1932% | 3,018 |
| Net operating income to assets | 1.2824% | 1,496 |
| Return on assets (ROA) | 1.2943% | 1,644 |
| Pretax return on assets | 1.5845% | 1,619 |
| Return on Equity (ROE) | 10.9202% | 2,048 |
| Retained earnings to average equity (ytd only) | 4.9426% | 3,590 |
| Net charge-offs to loans | 0.3482% | 2,261 |
| Credit loss provision to net charge-offs | 109.8901% | 2,131 |
| Earnings coverage of net charge-offs (x) | 10.0302% | 1,786 |
| Efficiency ratio | 54.4932% | 6,297 |
| Assets per employee ($millions) | 4.2810% | 3,433 |
| Cash dividends to net income (ytd only)* | 54.7388% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 4,519 |
| Loan loss allowance to noncurrent loans | 128.0378% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6548% | 5,251 |
| Noncurrent loans to loans | 1.1086% | 4,481 |
| Net loans and leases to total assets | 49.8754% | 5,321 |
| Net loans and leases to deposits | 64.4585% | 4,568 |
| Net loans and leases to core deposits | 66.4632% | 4,861 |
| Total domestic deposits to total assets | 77.3760% | 6,349 |
| Equity capital to assets | 11.9606% | 2,071 |
| Core capital (leverage) ratio | 8.7612% | 5,183 |
| Tier 1 risk-based capital ratio | 12.7033% | 5,439 |
| Total risk-based capital ratio | 13.7780% | 5,548 |
| Memoranda: | ||
| Average total assets | $828,269,500 | 803 |
| Average earning assets | $742,720,000 | 812 |
| Average equity | $98,166,500 | 726 |
| Average total loans | $418,091,500 | 997 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0468% | 2,674 |
| Cost of funding earning assets | 1.2849% | 1,554 |
| Net interest margin | 3.7619% | 4,023 |
| Noninterest income to average assets | 0.5175% | 3,740 |
| Noninterest expense to average assets | 2.1378% | 6,415 |
| Loan and lease loss provision to assets | 0.2322% | 3,883 |
| Net operating income to assets | 1.2047% | 1,500 |
| Return on assets (ROA) | 1.2225% | 1,557 |
| Pretax return on assets | 1.5384% | 1,371 |
| Return on Equity (ROE) | 11.1477% | 1,657 |
| Retained earnings to average equity (ytd only) | 4.6086% | 2,899 |
| Net charge-offs to loans | 0.4059% | 3,393 |
| Credit loss provision to net charge-offs | 113.6364% | 2,887 |
| Earnings coverage of net charge-offs (x) | 8.5532% | 2,126 |
| Efficiency ratio | 54.1065% | 6,503 |
| Assets per employee ($millions) | 4.3475% | 3,167 |
| Cash dividends to net income (ytd only)* | 58.6583% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,350 |
| Loan loss allowance to noncurrent loans | 141.5712% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 5,458 |
| Noncurrent loans to loans | 1.0067% | 4,693 |
| Net loans and leases to total assets | 49.6435% | 5,638 |
| Net loans and leases to deposits | 65.3059% | 4,835 |
| Net loans and leases to core deposits | 67.4474% | 5,099 |
| Total domestic deposits to total assets | 76.0169% | 6,482 |
| Equity capital to assets | 11.7428% | 2,311 |
| Core capital (leverage) ratio | 8.5913% | 5,416 |
| Tier 1 risk-based capital ratio | 12.5671% | 5,395 |
| Total risk-based capital ratio | 13.6437% | 5,515 |
| Memoranda: | ||
| Average total assets | $818,126,600 | 797 |
| Average earning assets | $732,526,200 | 809 |
| Average equity | $89,722,800 | 752 |
| Average total loans | $411,915,000 | 1,020 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0865% | 2,676 |
| Cost of funding earning assets | 1.3371% | 1,516 |
| Net interest margin | 3.7494% | 4,111 |
| Noninterest income to average assets | 0.5195% | 3,729 |
| Noninterest expense to average assets | 2.1340% | 6,449 |
| Loan and lease loss provision to assets | 0.1797% | 4,231 |
| Net operating income to assets | 1.2459% | 1,529 |
| Return on assets (ROA) | 1.2646% | 1,581 |
| Pretax return on assets | 1.5851% | 1,425 |
| Return on Equity (ROE) | 11.7413% | 1,610 |
| Retained earnings to average equity (ytd only) | 5.0660% | 3,130 |
| Net charge-offs to loans | 0.4306% | 2,996 |
| Credit loss provision to net charge-offs | 82.8937% | 4,038 |
| Earnings coverage of net charge-offs (x) | 8.0332% | 2,249 |
| Efficiency ratio | 54.1500% | 6,474 |
| Assets per employee ($millions) | 4.4044% | 3,072 |
| Cash dividends to net income (ytd only)* | 56.8531% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,849 |
| Loan loss allowance to noncurrent loans | 117.1912% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6812% | 5,435 |
| Noncurrent loans to loans | 1.1382% | 4,640 |
| Net loans and leases to total assets | 48.6409% | 5,879 |
| Net loans and leases to deposits | 63.5428% | 5,234 |
| Net loans and leases to core deposits | 65.2421% | 5,497 |
| Total domestic deposits to total assets | 76.5482% | 6,446 |
| Equity capital to assets | 11.5458% | 2,639 |
| Core capital (leverage) ratio | 8.4937% | 5,720 |
| Tier 1 risk-based capital ratio | 12.4674% | 5,516 |
| Total risk-based capital ratio | 13.4659% | 5,716 |
| Memoranda: | ||
| Average total assets | $816,152,750 | 808 |
| Average earning assets | $730,516,500 | 823 |
| Average equity | $87,904,000 | 770 |
| Average total loans | $410,895,000 | 1,033 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1484% | 2,472 |
| Cost of funding earning assets | 1.3759% | 1,521 |
| Net interest margin | 3.7726% | 3,924 |
| Noninterest income to average assets | 0.5072% | 3,804 |
| Noninterest expense to average assets | 2.1359% | 6,529 |
| Loan and lease loss provision to assets | 0.1480% | 4,460 |
| Net operating income to assets | 1.2654% | 1,406 |
| Return on assets (ROA) | 1.2507% | 1,513 |
| Pretax return on assets | 1.5761% | 1,308 |
| Return on Equity (ROE) | 11.9059% | 1,521 |
| Retained earnings to average equity (ytd only) | 5.0160% | 3,000 |
| Net charge-offs to loans | 0.2632% | 3,577 |
| Credit loss provision to net charge-offs | 110.9057% | 2,765 |
| Earnings coverage of net charge-offs (x) | 13.0573% | 1,582 |
| Efficiency ratio | 54.1471% | 6,607 |
| Assets per employee ($millions) | 4.3211% | 3,129 |
| Cash dividends to net income (ytd only)* | 57.8698% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 4,610 |
| Loan loss allowance to noncurrent loans | 143.0238% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 5,657 |
| Noncurrent loans to loans | 0.9740% | 5,037 |
| Net loans and leases to total assets | 50.1975% | 5,798 |
| Net loans and leases to deposits | 65.1146% | 5,127 |
| Net loans and leases to core deposits | 66.8826% | 5,402 |
| Total domestic deposits to total assets | 77.0910% | 6,439 |
| Equity capital to assets | 10.8961% | 3,070 |
| Core capital (leverage) ratio | 8.4203% | 5,676 |
| Tier 1 risk-based capital ratio | 12.2097% | 5,608 |
| Total risk-based capital ratio | 13.2584% | 5,750 |
| Memoranda: | ||
| Average total assets | $810,723,330 | 826 |
| Average earning assets | $724,490,330 | 837 |
| Average equity | $85,168,000 | 791 |
| Average total loans | $411,066,330 | 1,045 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1575% | 2,394 |
| Cost of funding earning assets | 1.3915% | 1,656 |
| Net interest margin | 3.7660% | 3,776 |
| Noninterest income to average assets | 0.5122% | 3,785 |
| Noninterest expense to average assets | 2.1119% | 6,605 |
| Loan and lease loss provision to assets | 0.1482% | 4,161 |
| Net operating income to assets | 1.2666% | 1,348 |
| Return on assets (ROA) | 1.2377% | 1,485 |
| Pretax return on assets | 1.5809% | 1,232 |
| Return on Equity (ROE) | 12.0057% | 1,460 |
| Retained earnings to average equity (ytd only) | 4.9776% | 3,209 |
| Net charge-offs to loans | 0.1366% | 3,697 |
| Credit loss provision to net charge-offs | 214.2857% | 1,400 |
| Earnings coverage of net charge-offs (x) | 25.5429% | 961 |
| Efficiency ratio | 53.5405% | 6,736 |
| Assets per employee ($millions) | 4.3870% | 3,066 |
| Cash dividends to net income (ytd only)* | 58.5395% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 4,523 |
| Loan loss allowance to noncurrent loans | 142.9164% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 5,581 |
| Noncurrent loans to loans | 1.0003% | 5,047 |
| Net loans and leases to total assets | 49.5281% | 5,904 |
| Net loans and leases to deposits | 64.2123% | 5,224 |
| Net loans and leases to core deposits | 65.5890% | 5,556 |
| Total domestic deposits to total assets | 77.1318% | 6,510 |
| Equity capital to assets | 10.2301% | 3,501 |
| Core capital (leverage) ratio | 8.3745% | 5,679 |
| Tier 1 risk-based capital ratio | 12.1170% | 5,585 |
| Total risk-based capital ratio | 13.1946% | 5,731 |
| Memoranda: | ||
| Average total assets | $809,899,500 | 835 |
| Average earning assets | $723,842,000 | 846 |
| Average equity | $83,493,500 | 798 |
| Average total loans | $409,824,000 | 1,061 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3256% | 2,998 |
| Cost of funding earning assets | 1.7829% | 1,240 |
| Net interest margin | 3.5427% | 5,066 |
| Noninterest income to average assets | 0.6999% | 2,842 |
| Noninterest expense to average assets | 2.1441% | 6,746 |
| Loan and lease loss provision to assets | 0.3221% | 4,239 |
| Net operating income to assets | 1.1054% | 1,689 |
| Return on assets (ROA) | 1.1295% | 1,690 |
| Pretax return on assets | 1.4347% | 1,550 |
| Return on Equity (ROE) | 10.6659% | 1,704 |
| Retained earnings to average equity (ytd only) | 3.7360% | 3,251 |
| Net charge-offs to loans | 0.5354% | 3,473 |
| Credit loss provision to net charge-offs | 117.2053% | 3,651 |
| Earnings coverage of net charge-offs (x) | 6.2817% | 2,394 |
| Efficiency ratio | 54.4632% | 6,760 |
| Assets per employee ($millions) | 4.4657% | 2,929 |
| Cash dividends to net income (ytd only)* | 64.9723% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 4,555 |
| Loan loss allowance to noncurrent loans | 133.3255% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 5,657 |
| Noncurrent loans to loans | 1.0438% | 4,980 |
| Net loans and leases to total assets | 50.2534% | 6,145 |
| Net loans and leases to deposits | 64.1529% | 5,612 |
| Net loans and leases to core deposits | 65.9006% | 5,882 |
| Total domestic deposits to total assets | 78.3339% | 6,250 |
| Equity capital to assets | 10.3893% | 3,284 |
| Core capital (leverage) ratio | 8.0211% | 6,171 |
| Tier 1 risk-based capital ratio | 11.5171% | 5,897 |
| Total risk-based capital ratio | 12.5305% | 6,093 |
| Memoranda: | ||
| Average total assets | $799,456,000 | 844 |
| Average earning assets | $715,474,000 | 855 |
| Average equity | $84,662,600 | 788 |
| Average total loans | $410,332,200 | 1,099 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3208% | 3,248 |
| Cost of funding earning assets | 1.8470% | 1,229 |
| Net interest margin | 3.4739% | 5,400 |
| Noninterest income to average assets | 0.7291% | 2,647 |
| Noninterest expense to average assets | 2.1006% | 6,844 |
| Loan and lease loss provision to assets | 0.2797% | 4,339 |
| Net operating income to assets | 1.1473% | 1,741 |
| Return on assets (ROA) | 1.1749% | 1,755 |
| Pretax return on assets | 1.4922% | 1,642 |
| Return on Equity (ROE) | 11.0415% | 1,772 |
| Retained earnings to average equity (ytd only) | 4.1341% | 3,561 |
| Net charge-offs to loans | 0.5785% | 3,006 |
| Credit loss provision to net charge-offs | 94.0483% | 4,610 |
| Earnings coverage of net charge-offs (x) | 5.8400% | 2,665 |
| Efficiency ratio | 53.7926% | 6,805 |
| Assets per employee ($millions) | 4.6224% | 2,717 |
| Cash dividends to net income (ytd only)* | 62.5586% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 5,151 |
| Loan loss allowance to noncurrent loans | 102.1939% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 5,635 |
| Noncurrent loans to loans | 1.2355% | 4,783 |
| Net loans and leases to total assets | 49.5851% | 6,366 |
| Net loans and leases to deposits | 64.7464% | 5,818 |
| Net loans and leases to core deposits | 66.5579% | 6,081 |
| Total domestic deposits to total assets | 76.5835% | 6,553 |
| Equity capital to assets | 11.1165% | 2,839 |
| Core capital (leverage) ratio | 7.9271% | 6,436 |
| Tier 1 risk-based capital ratio | 11.7011% | 5,730 |
| Total risk-based capital ratio | 12.6521% | 6,005 |
| Memoranda: | ||
| Average total assets | $798,363,500 | 852 |
| Average earning assets | $714,379,500 | 859 |
| Average equity | $84,950,250 | 777 |
| Average total loans | $410,502,500 | 1,110 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3619% | 3,147 |
| Cost of funding earning assets | 1.9258% | 1,126 |
| Net interest margin | 3.4361% | 5,492 |
| Noninterest income to average assets | 0.5778% | 3,491 |
| Noninterest expense to average assets | 2.1017% | 6,902 |
| Loan and lease loss provision to assets | 0.1519% | 5,381 |
| Net operating income to assets | 1.1078% | 1,826 |
| Return on assets (ROA) | 1.1495% | 1,760 |
| Pretax return on assets | 1.4484% | 1,702 |
| Return on Equity (ROE) | 10.9738% | 1,764 |
| Retained earnings to average equity (ytd only) | 3.8850% | 3,615 |
| Net charge-offs to loans | 0.1899% | 4,470 |
| Credit loss provision to net charge-offs | 154.2416% | 2,545 |
| Earnings coverage of net charge-offs (x) | 15.7172% | 1,441 |
| Efficiency ratio | 56.5890% | 6,563 |
| Assets per employee ($millions) | 4.4898% | 2,895 |
| Cash dividends to net income (ytd only)* | 64.5971% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 4,781 |
| Loan loss allowance to noncurrent loans | 59.2632% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1740% | 4,794 |
| Noncurrent loans to loans | 2.2380% | 3,441 |
| Net loans and leases to total assets | 50.9441% | 6,316 |
| Net loans and leases to deposits | 67.2416% | 5,653 |
| Net loans and leases to core deposits | 69.2518% | 5,945 |
| Total domestic deposits to total assets | 75.7628% | 6,738 |
| Equity capital to assets | 10.7402% | 3,138 |
| Core capital (leverage) ratio | 7.8912% | 6,392 |
| Tier 1 risk-based capital ratio | 11.6124% | 5,663 |
| Total risk-based capital ratio | 12.6308% | 5,860 |
| Memoranda: | ||
| Average total assets | $790,224,670 | 863 |
| Average earning assets | $706,319,000 | 872 |
| Average equity | $82,779,000 | 792 |
| Average total loans | $409,605,670 | 1,119 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4077% | 2,998 |
| Cost of funding earning assets | 1.9941% | 1,104 |
| Net interest margin | 3.4136% | 5,526 |
| Noninterest income to average assets | 0.5791% | 3,423 |
| Noninterest expense to average assets | 2.0849% | 6,987 |
| Loan and lease loss provision to assets | 0.1024% | 5,607 |
| Net operating income to assets | 1.1442% | 1,693 |
| Return on assets (ROA) | 1.1295% | 1,815 |
| Pretax return on assets | 1.4182% | 1,720 |
| Return on Equity (ROE) | 10.9250% | 1,806 |
| Retained earnings to average equity (ytd only) | 3.6598% | 3,956 |
| Net charge-offs to loans | 0.1883% | 3,792 |
| Credit loss provision to net charge-offs | 104.7120% | 3,271 |
| Earnings coverage of net charge-offs (x) | 15.7382% | 1,365 |
| Efficiency ratio | 56.5131% | 6,697 |
| Assets per employee ($millions) | 4.5794% | 2,842 |
| Cash dividends to net income (ytd only)* | 66.5005% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 4,835 |
| Loan loss allowance to noncurrent loans | 132.3405% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 6,134 |
| Noncurrent loans to loans | 0.9951% | 5,333 |
| Net loans and leases to total assets | 50.1425% | 6,449 |
| Net loans and leases to deposits | 65.8449% | 5,841 |
| Net loans and leases to core deposits | 69.3017% | 5,974 |
| Total domestic deposits to total assets | 76.1524% | 6,730 |
| Equity capital to assets | 10.2810% | 3,495 |
| Core capital (leverage) ratio | 8.0913% | 6,095 |
| Tier 1 risk-based capital ratio | 11.6738% | 5,510 |
| Total risk-based capital ratio | 12.6753% | 5,717 |
| Memoranda: | ||
| Average total assets | $781,254,000 | 891 |
| Average earning assets | $696,854,000 | 902 |
| Average equity | $80,769,000 | 815 |
| Average total loans | $405,785,000 | 1,164 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7073% | 3,066 |
| Cost of funding earning assets | 2.3603% | 1,423 |
| Net interest margin | 3.3471% | 5,563 |
| Noninterest income to average assets | 0.5851% | 3,750 |
| Noninterest expense to average assets | 2.1910% | 7,016 |
| Loan and lease loss provision to assets | 0.1076% | 6,567 |
| Net operating income to assets | 1.0775% | 1,575 |
| Return on assets (ROA) | 1.0956% | 1,565 |
| Pretax return on assets | 1.2785% | 1,753 |
| Return on Equity (ROE) | 10.4701% | 1,559 |
| Retained earnings to average equity (ytd only) | 3.4956% | 2,724 |
| Net charge-offs to loans | 0.1645% | 5,638 |
| Credit loss provision to net charge-offs | 119.0476% | 4,514 |
| Earnings coverage of net charge-offs (x) | 15.1042% | 1,329 |
| Efficiency ratio | 60.5211% | 6,402 |
| Assets per employee ($millions) | 4.4517% | 3,008 |
| Cash dividends to net income (ytd only)* | 66.6135% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,704 |
| Loan loss allowance to noncurrent loans | 172.3446% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 6,342 |
| Noncurrent loans to loans | 0.7593% | 5,750 |
| Net loans and leases to total assets | 52.4196% | 6,375 |
| Net loans and leases to deposits | 68.9074% | 5,736 |
| Net loans and leases to core deposits | 81.8139% | 5,929 |
| Total domestic deposits to total assets | 76.0725% | 6,666 |
| Equity capital to assets | 10.3981% | 3,288 |
| Core capital (leverage) ratio | 8.2109% | 5,792 |
| Tier 1 risk-based capital ratio | 11.8478% | 5,077 |
| Total risk-based capital ratio | 12.8757% | 5,227 |
| Memoranda: | ||
| Average total assets | $743,601,800 | 920 |
| Average earning assets | $660,013,200 | 938 |
| Average equity | $77,812,000 | 826 |
| Average total loans | $408,628,800 | 1,179 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7349% | 3,165 |
| Cost of funding earning assets | 2.4222% | 1,554 |
| Net interest margin | 3.3127% | 5,596 |
| Noninterest income to average assets | 0.5811% | 3,845 |
| Noninterest expense to average assets | 2.0642% | 7,257 |
| Loan and lease loss provision to assets | 0.1084% | 6,288 |
| Net operating income to assets | 1.1273% | 1,647 |
| Return on assets (ROA) | 1.1460% | 1,667 |
| Pretax return on assets | 1.3689% | 1,772 |
| Return on Equity (ROE) | 10.9338% | 1,641 |
| Retained earnings to average equity (ytd only) | 4.1071% | 2,985 |
| Net charge-offs to loans | 0.1698% | 5,035 |
| Credit loss provision to net charge-offs | 115.1631% | 4,407 |
| Earnings coverage of net charge-offs (x) | 15.4606% | 1,533 |
| Efficiency ratio | 57.5403% | 6,782 |
| Assets per employee ($millions) | 4.4981% | 2,865 |
| Cash dividends to net income (ytd only)* | 62.4369% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 4,541 |
| Loan loss allowance to noncurrent loans | 203.2755% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 6,590 |
| Noncurrent loans to loans | 0.6361% | 6,024 |
| Net loans and leases to total assets | 52.6567% | 6,542 |
| Net loans and leases to deposits | 69.6600% | 5,957 |
| Net loans and leases to core deposits | 83.2250% | 6,103 |
| Total domestic deposits to total assets | 75.5910% | 6,660 |
| Equity capital to assets | 11.0364% | 2,979 |
| Core capital (leverage) ratio | 8.5101% | 5,471 |
| Tier 1 risk-based capital ratio | 11.7651% | 5,185 |
| Total risk-based capital ratio | 12.7835% | 5,354 |
| Memoranda: | ||
| Average total assets | $738,078,000 | 931 |
| Average earning assets | $654,641,000 | 959 |
| Average equity | $77,360,500 | 847 |
| Average total loans | $409,111,750 | 1,196 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8158% | 2,978 |
| Cost of funding earning assets | 2.4807% | 1,678 |
| Net interest margin | 3.3352% | 5,418 |
| Noninterest income to average assets | 0.6072% | 3,635 |
| Noninterest expense to average assets | 2.0929% | 7,290 |
| Loan and lease loss provision to assets | 0.1234% | 5,875 |
| Net operating income to assets | 1.1366% | 1,644 |
| Return on assets (ROA) | 1.1676% | 1,645 |
| Pretax return on assets | 1.3744% | 1,802 |
| Return on Equity (ROE) | 11.3495% | 1,601 |
| Retained earnings to average equity (ytd only) | 4.3110% | 2,900 |
| Net charge-offs to loans | 0.2051% | 4,241 |
| Credit loss provision to net charge-offs | 107.1429% | 4,303 |
| Earnings coverage of net charge-offs (x) | 12.6857% | 1,798 |
| Efficiency ratio | 57.7668% | 6,895 |
| Assets per employee ($millions) | 4.4181% | 2,900 |
| Cash dividends to net income (ytd only)* | 62.0155% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 4,410 |
| Loan loss allowance to noncurrent loans | 206.3586% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 6,602 |
| Noncurrent loans to loans | 0.6190% | 6,016 |
| Net loans and leases to total assets | 54.4026% | 6,396 |
| Net loans and leases to deposits | 71.9805% | 5,739 |
| Net loans and leases to core deposits | 86.2579% | 5,879 |
| Total domestic deposits to total assets | 75.5796% | 6,640 |
| Equity capital to assets | 10.3574% | 3,558 |
| Core capital (leverage) ratio | 8.3190% | 5,762 |
| Tier 1 risk-based capital ratio | 11.9137% | 4,988 |
| Total risk-based capital ratio | 12.9493% | 5,130 |
| Memoranda: | ||
| Average total assets | $729,213,330 | 956 |
| Average earning assets | $644,343,000 | 991 |
| Average equity | $75,016,670 | 882 |
| Average total loans | $409,507,000 | 1,226 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8652% | 2,962 |
| Cost of funding earning assets | 2.5355% | 1,783 |
| Net interest margin | 3.3296% | 5,399 |
| Noninterest income to average assets | 0.5053% | 4,279 |
| Noninterest expense to average assets | 1.9361% | 7,477 |
| Loan and lease loss provision to assets | 0.1522% | 4,982 |
| Net operating income to assets | 1.1025% | 1,954 |
| Return on assets (ROA) | 1.1590% | 1,895 |
| Pretax return on assets | 1.4224% | 1,901 |
| Return on Equity (ROE) | 11.3056% | 1,882 |
| Retained earnings to average equity (ytd only) | 4.1789% | 3,590 |
| Net charge-offs to loans | 0.2616% | 3,092 |
| Credit loss provision to net charge-offs | 102.6119% | 3,656 |
| Earnings coverage of net charge-offs (x) | 10.1455% | 1,972 |
| Efficiency ratio | 55.1070% | 7,093 |
| Assets per employee ($millions) | 4.4662% | 2,778 |
| Cash dividends to net income (ytd only)* | 63.0372% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 4,309 |
| Loan loss allowance to noncurrent loans | 207.9137% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 6,416 |
| Noncurrent loans to loans | 0.6086% | 5,876 |
| Net loans and leases to total assets | 56.1047% | 6,223 |
| Net loans and leases to deposits | 74.6571% | 5,403 |
| Net loans and leases to core deposits | 90.8587% | 5,468 |
| Total domestic deposits to total assets | 75.1498% | 6,679 |
| Equity capital to assets | 10.1406% | 3,838 |
| Core capital (leverage) ratio | 8.4766% | 5,586 |
| Tier 1 risk-based capital ratio | 11.8034% | 5,122 |
| Total risk-based capital ratio | 12.8407% | 5,221 |
| Memoranda: | ||
| Average total assets | $722,703,500 | 971 |
| Average earning assets | $637,186,500 | 1,004 |
| Average equity | $74,087,000 | 904 |
| Average total loans | $409,751,000 | 1,233 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0531% | 5,284 |
| Cost of funding earning assets | 2.9232% | 2,167 |
| Net interest margin | 3.1299% | 6,563 |
| Noninterest income to average assets | 0.5974% | 3,857 |
| Noninterest expense to average assets | 1.9709% | 7,495 |
| Loan and lease loss provision to assets | 0.0997% | 6,103 |
| Net operating income to assets | 1.0723% | 2,245 |
| Return on assets (ROA) | 1.1188% | 1,989 |
| Pretax return on assets | 1.3477% | 2,140 |
| Return on Equity (ROE) | 10.4274% | 2,115 |
| Retained earnings to average equity (ytd only) | 2.9102% | 3,360 |
| Net charge-offs to loans | 0.1404% | 4,817 |
| Credit loss provision to net charge-offs | 127.0417% | 4,206 |
| Earnings coverage of net charge-offs (x) | 17.7278% | 1,749 |
| Efficiency ratio | 57.3928% | 6,802 |
| Assets per employee ($millions) | 4.4287% | 2,727 |
| Cash dividends to net income (ytd only)* | 72.0907% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 3,976 |
| Loan loss allowance to noncurrent loans | 299.7692% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 6,604 |
| Noncurrent loans to loans | 0.4244% | 6,072 |
| Net loans and leases to total assets | 55.8504% | 6,457 |
| Net loans and leases to deposits | 79.6847% | 5,102 |
| Net loans and leases to core deposits | 96.2914% | 5,226 |
| Total domestic deposits to total assets | 70.0892% | 7,265 |
| Equity capital to assets | 10.3624% | 3,656 |
| Core capital (leverage) ratio | 8.4249% | 5,704 |
| Tier 1 risk-based capital ratio | 11.3500% | 5,388 |
| Total risk-based capital ratio | 12.3606% | 5,514 |
| Memoranda: | ||
| Average total assets | $702,005,600 | 955 |
| Average earning assets | $620,149,400 | 974 |
| Average equity | $75,321,000 | 880 |
| Average total loans | $392,463,800 | 1,234 |