Home > Five Points Bank > Performance and Condition Ratios
Five Points Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 2,985 |
| Cost of funding earning assets | 2.5808% | 999 |
| Net interest margin | 2.4786% | 3,921 |
| Noninterest income to average assets | 0.4300% | 2,281 |
| Noninterest expense to average assets | 1.6881% | 4,097 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.0070% | 2,029 |
| Return on assets (ROA) | 1.0070% | 2,030 |
| Pretax return on assets | 1.0432% | 2,406 |
| Return on Equity (ROE) | 16.3900% | 740 |
| Retained earnings to average equity (ytd only) | 5.6633% | 1,955 |
| Net charge-offs to loans | -0.0090% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 61.0879% | 3,041 |
| Assets per employee ($millions) | 12.4829% | 378 |
| Cash dividends to net income (ytd only)* | 65.4545% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4615% | 1,112 |
| Loan loss allowance to noncurrent loans | 2,455.5091% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 3,433 |
| Noncurrent loans to loans | 0.0595% | 3,347 |
| Net loans and leases to total assets | 56.6100% | 3,217 |
| Net loans and leases to deposits | 61.4103% | 3,468 |
| Net loans and leases to core deposits | 66.5327% | 3,498 |
| Total domestic deposits to total assets | 92.1800% | 269 |
| Equity capital to assets | 6.2400% | 4,152 |
| Core capital (leverage) ratio | 9.5955% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0348% | 1,511 |
| Memoranda: | ||
| Average total assets | $2,048,238,000 | 577 |
| Average earning assets | $1,928,657,400 | 556 |
| Average equity | $125,810,600 | 847 |
| Average total loans | $1,187,987,400 | 667 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 2,895 |
| Cost of funding earning assets | 2.6660% | 885 |
| Net interest margin | 2.4179% | 3,988 |
| Noninterest income to average assets | 0.4400% | 2,183 |
| Noninterest expense to average assets | 1.6434% | 4,137 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.0019% | 2,055 |
| Return on assets (ROA) | 1.0019% | 2,058 |
| Pretax return on assets | 1.0417% | 2,407 |
| Return on Equity (ROE) | 16.3800% | 768 |
| Retained earnings to average equity (ytd only) | 5.4853% | 2,272 |
| Net charge-offs to loans | -0.0097% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.5151% | 3,108 |
| Assets per employee ($millions) | 12.0969% | 418 |
| Cash dividends to net income (ytd only)* | 66.5076% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,179 |
| Loan loss allowance to noncurrent loans | 2,721.6849% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,512 |
| Noncurrent loans to loans | 0.0533% | 3,435 |
| Net loans and leases to total assets | 58.9700% | 3,019 |
| Net loans and leases to deposits | 64.3672% | 3,341 |
| Net loans and leases to core deposits | 69.8020% | 3,401 |
| Total domestic deposits to total assets | 91.6200% | 245 |
| Equity capital to assets | 6.5798% | 4,224 |
| Core capital (leverage) ratio | 9.3558% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7200% | 1,625 |
| Memoranda: | ||
| Average total assets | $2,036,017,750 | 572 |
| Average earning assets | $1,916,448,750 | 553 |
| Average equity | $124,548,250 | 846 |
| Average total loans | $1,183,813,500 | 663 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9941% | 2,963 |
| Cost of funding earning assets | 2.6095% | 912 |
| Net interest margin | 2.3846% | 4,009 |
| Noninterest income to average assets | 0.4300% | 2,205 |
| Noninterest expense to average assets | 1.6129% | 4,179 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.0034% | 1,983 |
| Return on assets (ROA) | 1.0034% | 1,986 |
| Pretax return on assets | 1.0430% | 2,355 |
| Return on Equity (ROE) | 16.8200% | 735 |
| Retained earnings to average equity (ytd only) | 5.0581% | 2,315 |
| Net charge-offs to loans | -0.0093% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 60.2579% | 3,185 |
| Assets per employee ($millions) | 12.0459% | 409 |
| Cash dividends to net income (ytd only)* | 69.9250% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 1,209 |
| Loan loss allowance to noncurrent loans | 2,312.8032% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 3,447 |
| Noncurrent loans to loans | 0.0629% | 3,353 |
| Net loans and leases to total assets | 56.7700% | 3,208 |
| Net loans and leases to deposits | 65.0510% | 3,307 |
| Net loans and leases to core deposits | 70.7561% | 3,334 |
| Total domestic deposits to total assets | 87.2700% | 1,547 |
| Equity capital to assets | 6.0946% | 4,195 |
| Core capital (leverage) ratio | 9.4283% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7595% | 1,603 |
| Memoranda: | ||
| Average total assets | $2,045,327,000 | 571 |
| Average earning assets | $1,929,600,000 | 548 |
| Average equity | $122,021,333 | 862 |
| Average total loans | $1,177,864,000 | 669 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 2,960 |
| Cost of funding earning assets | 2.5959% | 842 |
| Net interest margin | 2.3168% | 4,085 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 1.5692% | 4,222 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.9503% | 2,089 |
| Return on assets (ROA) | 0.9503% | 2,102 |
| Pretax return on assets | 0.9900% | 2,406 |
| Return on Equity (ROE) | 16.1000% | 830 |
| Retained earnings to average equity (ytd only) | 3.9161% | 2,733 |
| Net charge-offs to loans | -0.0078% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 60.3341% | 3,230 |
| Assets per employee ($millions) | 11.7498% | 451 |
| Cash dividends to net income (ytd only)* | 75.6796% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,272 |
| Loan loss allowance to noncurrent loans | 1,924.6067% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,385 |
| Noncurrent loans to loans | 0.0745% | 3,256 |
| Net loans and leases to total assets | 58.2400% | 3,035 |
| Net loans and leases to deposits | 66.6515% | 3,123 |
| Net loans and leases to core deposits | 73.0208% | 3,162 |
| Total domestic deposits to total assets | 87.3800% | 1,640 |
| Equity capital to assets | 5.9807% | 4,207 |
| Core capital (leverage) ratio | 9.2841% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5259% | 1,695 |
| Memoranda: | ||
| Average total assets | $2,044,091,000 | 583 |
| Average earning assets | $1,929,528,500 | 557 |
| Average equity | $120,629,500 | 875 |
| Average total loans | $1,176,971,500 | 674 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5369% | 3,036 |
| Cost of funding earning assets | 1.9769% | 945 |
| Net interest margin | 2.5599% | 4,021 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 1.5787% | 4,268 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1749% | 1,707 |
| Return on assets (ROA) | 1.1680% | 1,707 |
| Pretax return on assets | 1.2041% | 2,128 |
| Return on Equity (ROE) | 20.7000% | 553 |
| Retained earnings to average equity (ytd only) | 10.4859% | 912 |
| Net charge-offs to loans | -0.0066% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.4263% | 3,556 |
| Assets per employee ($millions) | 12.1601% | 400 |
| Cash dividends to net income (ytd only)* | 49.3520% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 1,184 |
| Loan loss allowance to noncurrent loans | 14,949.5575% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,767 |
| Noncurrent loans to loans | 0.0097% | 3,698 |
| Net loans and leases to total assets | 55.2900% | 3,254 |
| Net loans and leases to deposits | 63.0315% | 3,345 |
| Net loans and leases to core deposits | 68.8494% | 3,362 |
| Total domestic deposits to total assets | 87.7200% | 1,446 |
| Equity capital to assets | 5.8239% | 4,268 |
| Core capital (leverage) ratio | 9.2544% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7634% | 1,605 |
| Memoranda: | ||
| Average total assets | $1,995,093,000 | 576 |
| Average earning assets | $1,878,061,200 | 554 |
| Average equity | $112,551,200 | 870 |
| Average total loans | $1,116,405,400 | 668 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 3,071 |
| Cost of funding earning assets | 1.8160% | 984 |
| Net interest margin | 2.6026% | 4,028 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 1.5369% | 4,287 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.2326% | 1,693 |
| Return on assets (ROA) | 1.2232% | 1,722 |
| Pretax return on assets | 1.2612% | 2,143 |
| Return on Equity (ROE) | 21.8700% | 575 |
| Retained earnings to average equity (ytd only) | 12.8253% | 841 |
| Net charge-offs to loans | -0.0098% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.7020% | 3,608 |
| Assets per employee ($millions) | 11.4510% | 442 |
| Cash dividends to net income (ytd only)* | 41.3497% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,133 |
| Loan loss allowance to noncurrent loans | 15,980.1887% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,811 |
| Noncurrent loans to loans | 0.0093% | 3,732 |
| Net loans and leases to total assets | 56.8000% | 3,136 |
| Net loans and leases to deposits | 65.1565% | 3,194 |
| Net loans and leases to core deposits | 70.7945% | 3,175 |
| Total domestic deposits to total assets | 87.1700% | 1,835 |
| Equity capital to assets | 5.7217% | 4,076 |
| Core capital (leverage) ratio | 9.5238% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8046% | 1,628 |
| Memoranda: | ||
| Average total assets | $1,977,061,250 | 582 |
| Average earning assets | $1,859,957,750 | 559 |
| Average equity | $110,591,000 | 880 |
| Average total loans | $1,105,543,750 | 672 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 3,091 |
| Cost of funding earning assets | 1.6369% | 985 |
| Net interest margin | 2.6693% | 4,011 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 1.5180% | 4,317 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.3148% | 1,529 |
| Return on assets (ROA) | 1.3008% | 1,553 |
| Pretax return on assets | 1.3387% | 1,965 |
| Return on Equity (ROE) | 23.4300% | 464 |
| Retained earnings to average equity (ytd only) | 14.3325% | 641 |
| Net charge-offs to loans | -0.0102% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.0310% | 3,769 |
| Assets per employee ($millions) | 11.3294% | 463 |
| Cash dividends to net income (ytd only)* | 38.8350% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 1,213 |
| Loan loss allowance to noncurrent loans | 3,261.8110% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,531 |
| Noncurrent loans to loans | 0.0457% | 3,391 |
| Net loans and leases to total assets | 56.2300% | 3,104 |
| Net loans and leases to deposits | 64.5657% | 3,159 |
| Net loans and leases to core deposits | 70.1627% | 3,121 |
| Total domestic deposits to total assets | 87.0900% | 1,903 |
| Equity capital to assets | 5.8292% | 4,196 |
| Core capital (leverage) ratio | 9.4550% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7414% | 1,640 |
| Memoranda: | ||
| Average total assets | $1,979,556,000 | 567 |
| Average earning assets | $1,861,193,000 | 552 |
| Average equity | $109,890,333 | 876 |
| Average total loans | $1,095,534,667 | 664 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 3,207 |
| Cost of funding earning assets | 1.4728% | 889 |
| Net interest margin | 2.6499% | 4,148 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.3502% | 4,507 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.4542% | 1,277 |
| Return on assets (ROA) | 1.4264% | 1,311 |
| Pretax return on assets | 1.4641% | 1,743 |
| Return on Equity (ROE) | 26.3400% | 348 |
| Retained earnings to average equity (ytd only) | 17.0826% | 586 |
| Net charge-offs to loans | -0.0107% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.9138% | 4,169 |
| Assets per employee ($millions) | 11.4605% | 460 |
| Cash dividends to net income (ytd only)* | 35.1420% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 1,317 |
| Loan loss allowance to noncurrent loans | 14,917.4312% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,840 |
| Noncurrent loans to loans | 0.0100% | 3,755 |
| Net loans and leases to total assets | 54.6500% | 3,153 |
| Net loans and leases to deposits | 62.5139% | 3,196 |
| Net loans and leases to core deposits | 67.0928% | 3,154 |
| Total domestic deposits to total assets | 87.4300% | 2,120 |
| Equity capital to assets | 5.6790% | 4,298 |
| Core capital (leverage) ratio | 9.2728% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6605% | 1,744 |
| Memoranda: | ||
| Average total assets | $1,995,006,500 | 579 |
| Average earning assets | $1,873,712,500 | 557 |
| Average equity | $108,040,000 | 895 |
| Average total loans | $1,087,172,500 | 680 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3952% | 3,356 |
| Cost of funding earning assets | 0.5910% | 934 |
| Net interest margin | 2.8042% | 3,882 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 1.5606% | 4,354 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.4799% | 934 |
| Return on assets (ROA) | 1.4184% | 1,048 |
| Pretax return on assets | 1.4583% | 1,583 |
| Return on Equity (ROE) | 23.2700% | 266 |
| Retained earnings to average equity (ytd only) | 14.7608% | 310 |
| Net charge-offs to loans | -0.0118% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.3761% | 4,165 |
| Assets per employee ($millions) | 12.4618% | 351 |
| Cash dividends to net income (ytd only)* | 36.5617% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 1,244 |
| Loan loss allowance to noncurrent loans | 34,902.1739% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 3,924 |
| Noncurrent loans to loans | 0.0043% | 3,850 |
| Net loans and leases to total assets | 52.7400% | 3,305 |
| Net loans and leases to deposits | 60.9434% | 3,277 |
| Net loans and leases to core deposits | 64.1947% | 3,249 |
| Total domestic deposits to total assets | 86.5400% | 2,557 |
| Equity capital to assets | 5.1582% | 4,324 |
| Core capital (leverage) ratio | 8.4892% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2802% | 1,860 |
| Memoranda: | ||
| Average total assets | $1,928,353,600 | 577 |
| Average earning assets | $1,824,253,000 | 552 |
| Average equity | $117,548,200 | 830 |
| Average total loans | $1,042,812,000 | 659 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1216% | 3,627 |
| Cost of funding earning assets | 0.3252% | 1,912 |
| Net interest margin | 2.7965% | 3,747 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 1.5222% | 4,395 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4748% | 902 |
| Return on assets (ROA) | 1.4945% | 845 |
| Pretax return on assets | 1.5339% | 1,311 |
| Return on Equity (ROE) | 23.5600% | 232 |
| Retained earnings to average equity (ytd only) | 15.2870% | 338 |
| Net charge-offs to loans | -0.0124% | 3,797 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.6589% | 4,237 |
| Assets per employee ($millions) | 11.6964% | 420 |
| Cash dividends to net income (ytd only)* | 35.1091% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 1,434 |
| Loan loss allowance to noncurrent loans | 38,848.7805% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,007 |
| Noncurrent loans to loans | 0.0037% | 3,934 |
| Net loans and leases to total assets | 56.8800% | 2,817 |
| Net loans and leases to deposits | 63.1428% | 2,933 |
| Net loans and leases to core deposits | 66.8852% | 2,886 |
| Total domestic deposits to total assets | 90.0800% | 1,622 |
| Equity capital to assets | 5.1327% | 4,259 |
| Core capital (leverage) ratio | 9.1455% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2185% | 2,385 |
| Memoranda: | ||
| Average total assets | $1,905,740,000 | 579 |
| Average earning assets | $1,805,814,250 | 558 |
| Average equity | $120,901,500 | 823 |
| Average total loans | $1,033,327,500 | 662 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9663% | 3,639 |
| Cost of funding earning assets | 0.2841% | 1,863 |
| Net interest margin | 2.6822% | 3,736 |
| Noninterest income to average assets | 0.4553% | 2,416 |
| Noninterest expense to average assets | 1.4957% | 4,423 |
| Loan and lease loss provision to assets | 0.0786% | 1,236 |
| Net operating income to assets | 1.3874% | 930 |
| Return on assets (ROA) | 1.4163% | 847 |
| Pretax return on assets | 1.4556% | 1,294 |
| Return on Equity (ROE) | 20.9981% | 246 |
| Retained earnings to average equity (ytd only) | 13.2331% | 441 |
| Net charge-offs to loans | -0.0130% | 3,694 |
| Credit loss provision to net charge-offs | -1,136.3636% | 3,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5444% | 4,277 |
| Assets per employee ($millions) | 10.9476% | 506 |
| Cash dividends to net income (ytd only)* | 36.9795% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 1,538 |
| Loan loss allowance to noncurrent loans | 5,492.2535% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,870 |
| Noncurrent loans to loans | 0.0265% | 3,759 |
| Net loans and leases to total assets | 56.0736% | 2,745 |
| Net loans and leases to deposits | 59.6691% | 3,076 |
| Net loans and leases to core deposits | 63.3088% | 3,016 |
| Total domestic deposits to total assets | 93.9743% | 289 |
| Equity capital to assets | 4.3571% | 4,581 |
| Core capital (leverage) ratio | 8.8273% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8786% | 2,543 |
| Memoranda: | ||
| Average total assets | $1,909,380,000 | 573 |
| Average earning assets | $1,811,488,000 | 556 |
| Average equity | $128,783,333 | 780 |
| Average total loans | $1,013,222,000 | 668 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7987% | 3,748 |
| Cost of funding earning assets | 0.2795% | 1,826 |
| Net interest margin | 2.5192% | 3,866 |
| Noninterest income to average assets | 0.4633% | 2,340 |
| Noninterest expense to average assets | 1.3478% | 4,584 |
| Loan and lease loss provision to assets | 0.0520% | 1,447 |
| Net operating income to assets | 1.4189% | 760 |
| Return on assets (ROA) | 1.4189% | 756 |
| Pretax return on assets | 1.4580% | 1,107 |
| Return on Equity (ROE) | 17.9293% | 350 |
| Retained earnings to average equity (ytd only) | 11.3570% | 714 |
| Net charge-offs to loans | -0.0138% | 3,724 |
| Credit loss provision to net charge-offs | -735.2941% | 3,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8404% | 4,459 |
| Assets per employee ($millions) | 11.4246% | 455 |
| Cash dividends to net income (ytd only)* | 36.6569% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,470 |
| Loan loss allowance to noncurrent loans | 17,317.2414% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,044 |
| Noncurrent loans to loans | 0.0088% | 3,962 |
| Net loans and leases to total assets | 50.6148% | 3,114 |
| Net loans and leases to deposits | 55.2299% | 3,324 |
| Net loans and leases to core deposits | 58.6504% | 3,264 |
| Total domestic deposits to total assets | 91.6439% | 728 |
| Equity capital to assets | 6.5923% | 4,387 |
| Core capital (leverage) ratio | 8.8840% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,922,574,000 | 571 |
| Average earning assets | $1,827,397,500 | 555 |
| Average equity | $152,153,500 | 701 |
| Average total loans | $984,103,000 | 676 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0908% | 3,701 |
| Cost of funding earning assets | 0.3587% | 1,864 |
| Net interest margin | 2.7321% | 3,813 |
| Noninterest income to average assets | 0.6048% | 2,136 |
| Noninterest expense to average assets | 1.5084% | 4,538 |
| Loan and lease loss provision to assets | 0.0582% | 1,895 |
| Net operating income to assets | 1.5960% | 821 |
| Return on assets (ROA) | 1.6525% | 738 |
| Pretax return on assets | 1.6929% | 1,167 |
| Return on Equity (ROE) | 17.5087% | 517 |
| Retained earnings to average equity (ytd only) | 11.6319% | 591 |
| Net charge-offs to loans | -0.0162% | 3,905 |
| Credit loss provision to net charge-offs | -668.7898% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8006% | 4,464 |
| Assets per employee ($millions) | 11.8148% | 419 |
| Cash dividends to net income (ytd only)* | 33.5649% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 1,532 |
| Loan loss allowance to noncurrent loans | 3,658.9109% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 3,926 |
| Noncurrent loans to loans | 0.0412% | 3,776 |
| Net loans and leases to total assets | 50.2068% | 3,248 |
| Net loans and leases to deposits | 56.3400% | 3,390 |
| Net loans and leases to core deposits | 59.5372% | 3,349 |
| Total domestic deposits to total assets | 89.1140% | 1,450 |
| Equity capital to assets | 9.2314% | 3,388 |
| Core capital (leverage) ratio | 8.9792% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,802,958,400 | 586 |
| Average earning assets | $1,713,867,800 | 564 |
| Average equity | $170,161,000 | 630 |
| Average total loans | $971,046,800 | 677 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1604% | 3,679 |
| Cost of funding earning assets | 0.3843% | 1,827 |
| Net interest margin | 2.7761% | 3,831 |
| Noninterest income to average assets | 0.5670% | 2,348 |
| Noninterest expense to average assets | 1.4884% | 4,602 |
| Loan and lease loss provision to assets | 0.0715% | 1,602 |
| Net operating income to assets | 1.6119% | 1,011 |
| Return on assets (ROA) | 1.6441% | 972 |
| Pretax return on assets | 1.6780% | 1,462 |
| Return on Equity (ROE) | 17.3176% | 719 |
| Retained earnings to average equity (ytd only) | 11.3744% | 977 |
| Net charge-offs to loans | -0.0160% | 3,872 |
| Credit loss provision to net charge-offs | -818.9655% | 3,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1280% | 4,494 |
| Assets per employee ($millions) | 11.1985% | 453 |
| Cash dividends to net income (ytd only)* | 34.3187% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,768 |
| Loan loss allowance to noncurrent loans | 4,800.3279% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 4,101 |
| Noncurrent loans to loans | 0.0305% | 3,981 |
| Net loans and leases to total assets | 53.6610% | 3,010 |
| Net loans and leases to deposits | 60.5294% | 3,187 |
| Net loans and leases to core deposits | 64.3262% | 3,106 |
| Total domestic deposits to total assets | 88.6528% | 1,487 |
| Equity capital to assets | 9.4512% | 3,421 |
| Core capital (leverage) ratio | 8.8699% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,772,246,250 | 597 |
| Average earning assets | $1,684,042,000 | 577 |
| Average equity | $168,256,500 | 645 |
| Average total loans | $968,391,250 | 696 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2934% | 3,445 |
| Cost of funding earning assets | 0.3959% | 1,918 |
| Net interest margin | 2.8975% | 3,582 |
| Noninterest income to average assets | 0.5938% | 2,246 |
| Noninterest expense to average assets | 1.4910% | 4,628 |
| Loan and lease loss provision to assets | 0.0685% | 1,679 |
| Net operating income to assets | 1.7561% | 786 |
| Return on assets (ROA) | 1.7975% | 757 |
| Pretax return on assets | 1.8317% | 1,163 |
| Return on Equity (ROE) | 18.9028% | 552 |
| Retained earnings to average equity (ytd only) | 12.8962% | 739 |
| Net charge-offs to loans | -0.0182% | 3,951 |
| Credit loss provision to net charge-offs | -689.6552% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2152% | 4,601 |
| Assets per employee ($millions) | 11.0224% | 452 |
| Cash dividends to net income (ytd only)* | 31.7763% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 1,744 |
| Loan loss allowance to noncurrent loans | 4,600.6452% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,168 |
| Noncurrent loans to loans | 0.0316% | 4,041 |
| Net loans and leases to total assets | 53.0971% | 3,242 |
| Net loans and leases to deposits | 60.0009% | 3,390 |
| Net loans and leases to core deposits | 63.8501% | 3,297 |
| Total domestic deposits to total assets | 88.4938% | 1,566 |
| Equity capital to assets | 9.4719% | 3,360 |
| Core capital (leverage) ratio | 8.8619% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,750,808,000 | 598 |
| Average earning assets | $1,664,894,333 | 578 |
| Average equity | $166,483,000 | 646 |
| Average total loans | $957,802,333 | 702 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5200% | 2,862 |
| Cost of funding earning assets | 0.4082% | 2,027 |
| Net interest margin | 3.1118% | 2,950 |
| Noninterest income to average assets | 0.5813% | 2,286 |
| Noninterest expense to average assets | 1.3800% | 4,757 |
| Loan and lease loss provision to assets | 0.0233% | 2,476 |
| Net operating income to assets | 2.1014% | 493 |
| Return on assets (ROA) | 2.1653% | 480 |
| Pretax return on assets | 2.2003% | 688 |
| Return on Equity (ROE) | 22.7248% | 349 |
| Retained earnings to average equity (ytd only) | 16.6120% | 457 |
| Net charge-offs to loans | -0.0139% | 3,823 |
| Credit loss provision to net charge-offs | -303.0303% | 3,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7107% | 4,786 |
| Assets per employee ($millions) | 11.4250% | 396 |
| Cash dividends to net income (ytd only)* | 26.8991% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 1,803 |
| Loan loss allowance to noncurrent loans | 3,248.3412% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 4,199 |
| Noncurrent loans to loans | 0.0443% | 4,069 |
| Net loans and leases to total assets | 52.2889% | 3,417 |
| Net loans and leases to deposits | 58.4859% | 3,599 |
| Net loans and leases to core deposits | 61.6672% | 3,600 |
| Total domestic deposits to total assets | 89.4043% | 1,123 |
| Equity capital to assets | 9.1530% | 3,541 |
| Core capital (leverage) ratio | 9.1746% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,716,866,000 | 604 |
| Average earning assets | $1,631,470,000 | 584 |
| Average equity | $163,592,500 | 653 |
| Average total loans | $946,736,500 | 707 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8488% | 3,168 |
| Cost of funding earning assets | 0.6747% | 1,851 |
| Net interest margin | 3.1741% | 3,422 |
| Noninterest income to average assets | 0.7175% | 1,800 |
| Noninterest expense to average assets | 1.8050% | 4,467 |
| Loan and lease loss provision to assets | 0.1620% | 2,348 |
| Net operating income to assets | 1.7041% | 493 |
| Return on assets (ROA) | 1.7346% | 496 |
| Pretax return on assets | 1.7752% | 726 |
| Return on Equity (ROE) | 16.6294% | 444 |
| Retained earnings to average equity (ytd only) | 10.8480% | 451 |
| Net charge-offs to loans | -0.0011% | 3,949 |
| Credit loss provision to net charge-offs | -23,500.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3091% | 4,621 |
| Assets per employee ($millions) | 10.4459% | 462 |
| Cash dividends to net income (ytd only)* | 34.7664% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 1,812 |
| Loan loss allowance to noncurrent loans | 1,675.9259% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,091 |
| Noncurrent loans to loans | 0.0860% | 3,949 |
| Net loans and leases to total assets | 56.6016% | 3,238 |
| Net loans and leases to deposits | 64.0019% | 3,436 |
| Net loans and leases to core deposits | 67.6939% | 3,433 |
| Total domestic deposits to total assets | 88.4374% | 1,258 |
| Equity capital to assets | 9.9393% | 3,188 |
| Core capital (leverage) ratio | 9.3540% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,450,960,600 | 634 |
| Average earning assets | $1,368,437,200 | 614 |
| Average equity | $151,346,200 | 670 |
| Average total loans | $927,374,200 | 692 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 2,684 |
| Cost of funding earning assets | 0.7491% | 1,754 |
| Net interest margin | 3.3462% | 3,049 |
| Noninterest income to average assets | 0.6665% | 1,921 |
| Noninterest expense to average assets | 1.8115% | 4,475 |
| Loan and lease loss provision to assets | 0.2137% | 1,883 |
| Net operating income to assets | 1.7587% | 500 |
| Return on assets (ROA) | 1.7668% | 550 |
| Pretax return on assets | 1.8010% | 776 |
| Return on Equity (ROE) | 16.7086% | 471 |
| Retained earnings to average equity (ytd only) | 11.0944% | 556 |
| Net charge-offs to loans | -0.0049% | 4,046 |
| Credit loss provision to net charge-offs | -6,617.6471% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1166% | 4,657 |
| Assets per employee ($millions) | 9.8549% | 528 |
| Cash dividends to net income (ytd only)* | 33.6003% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 1,999 |
| Loan loss allowance to noncurrent loans | 895.1592% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 3,940 |
| Noncurrent loans to loans | 0.1498% | 3,782 |
| Net loans and leases to total assets | 64.6041% | 2,689 |
| Net loans and leases to deposits | 74.7218% | 2,890 |
| Net loans and leases to core deposits | 79.9411% | 2,848 |
| Total domestic deposits to total assets | 86.4595% | 1,879 |
| Equity capital to assets | 10.2629% | 2,997 |
| Core capital (leverage) ratio | 9.3931% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,403,699,000 | 639 |
| Average earning assets | $1,322,034,500 | 619 |
| Average equity | $148,431,250 | 672 |
| Average total loans | $923,756,250 | 687 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,051 |
| Cost of funding earning assets | 0.8304% | 1,678 |
| Net interest margin | 3.6259% | 2,395 |
| Noninterest income to average assets | 0.6703% | 1,857 |
| Noninterest expense to average assets | 1.9108% | 4,397 |
| Loan and lease loss provision to assets | 0.2943% | 1,461 |
| Net operating income to assets | 1.8373% | 466 |
| Return on assets (ROA) | 1.8432% | 505 |
| Pretax return on assets | 1.8785% | 700 |
| Return on Equity (ROE) | 17.2397% | 423 |
| Retained earnings to average equity (ytd only) | 12.0785% | 453 |
| Net charge-offs to loans | -0.0004% | 3,721 |
| Credit loss provision to net charge-offs | -100,000.0000% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5392% | 4,697 |
| Assets per employee ($millions) | 9.6504% | 559 |
| Cash dividends to net income (ytd only)* | 29.9377% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 1,810 |
| Loan loss allowance to noncurrent loans | 944.7462% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 4,060 |
| Noncurrent loans to loans | 0.1422% | 3,890 |
| Net loans and leases to total assets | 64.8952% | 2,770 |
| Net loans and leases to deposits | 75.0019% | 2,974 |
| Net loans and leases to core deposits | 80.1252% | 2,938 |
| Total domestic deposits to total assets | 86.5248% | 1,796 |
| Equity capital to assets | 10.2716% | 2,948 |
| Core capital (leverage) ratio | 9.6265% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,359,143,667 | 645 |
| Average earning assets | $1,277,217,667 | 626 |
| Average equity | $145,315,667 | 679 |
| Average total loans | $896,108,333 | 698 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,644 |
| Cost of funding earning assets | 0.9776% | 1,524 |
| Net interest margin | 3.0754% | 4,144 |
| Noninterest income to average assets | 0.5696% | 2,182 |
| Noninterest expense to average assets | 1.7632% | 4,707 |
| Loan and lease loss provision to assets | 0.0775% | 2,755 |
| Net operating income to assets | 1.5801% | 650 |
| Return on assets (ROA) | 1.5804% | 717 |
| Pretax return on assets | 1.6176% | 1,012 |
| Return on Equity (ROE) | 14.4525% | 618 |
| Retained earnings to average equity (ytd only) | 10.9102% | 577 |
| Net charge-offs to loans | 0.0052% | 2,392 |
| Credit loss provision to net charge-offs | 2,272.7273% | 317 |
| Earnings coverage of net charge-offs (x) | 497.1818% | 129 |
| Efficiency ratio | 50.5959% | 4,631 |
| Assets per employee ($millions) | 8.3150% | 658 |
| Cash dividends to net income (ytd only)* | 24.5098% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 1,996 |
| Loan loss allowance to noncurrent loans | 204.4992% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 2,740 |
| Noncurrent loans to loans | 0.6510% | 2,364 |
| Net loans and leases to total assets | 65.4427% | 2,880 |
| Net loans and leases to deposits | 76.9724% | 2,986 |
| Net loans and leases to core deposits | 83.2138% | 2,918 |
| Total domestic deposits to total assets | 85.0210% | 2,404 |
| Equity capital to assets | 11.1662% | 2,712 |
| Core capital (leverage) ratio | 10.5339% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,290,811,000 | 648 |
| Average earning assets | $1,212,330,000 | 629 |
| Average equity | $141,152,000 | 687 |
| Average total loans | $852,200,000 | 707 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 3,550 |
| Cost of funding earning assets | 1.0015% | 1,714 |
| Net interest margin | 3.2935% | 4,005 |
| Noninterest income to average assets | 0.5693% | 2,375 |
| Noninterest expense to average assets | 1.9768% | 4,570 |
| Loan and lease loss provision to assets | 0.2590% | 695 |
| Net operating income to assets | 1.3822% | 1,403 |
| Return on assets (ROA) | 1.3893% | 1,454 |
| Pretax return on assets | 1.4299% | 2,046 |
| Return on Equity (ROE) | 12.4009% | 1,359 |
| Retained earnings to average equity (ytd only) | 5.7688% | 1,992 |
| Net charge-offs to loans | 0.2098% | 980 |
| Credit loss provision to net charge-offs | 183.1832% | 1,440 |
| Earnings coverage of net charge-offs (x) | 11.8937% | 2,458 |
| Efficiency ratio | 53.6210% | 4,456 |
| Assets per employee ($millions) | 8.0785% | 688 |
| Cash dividends to net income (ytd only)* | 53.4808% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 1,801 |
| Loan loss allowance to noncurrent loans | 226.9324% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 2,867 |
| Noncurrent loans to loans | 0.5855% | 2,429 |
| Net loans and leases to total assets | 64.8392% | 3,094 |
| Net loans and leases to deposits | 74.5440% | 3,302 |
| Net loans and leases to core deposits | 80.4022% | 3,262 |
| Total domestic deposits to total assets | 86.9810% | 1,618 |
| Equity capital to assets | 10.7018% | 3,257 |
| Core capital (leverage) ratio | 10.4899% | 2,960 |
| Tier 1 risk-based capital ratio | 12.5944% | 4,012 |
| Total risk-based capital ratio | 13.6818% | 3,984 |
| Memoranda: | ||
| Average total assets | $1,177,633,600 | 673 |
| Average earning assets | $1,104,554,800 | 658 |
| Average equity | $131,933,800 | 697 |
| Average total loans | $793,637,600 | 719 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3137% | 3,621 |
| Cost of funding earning assets | 0.9888% | 1,809 |
| Net interest margin | 3.3249% | 4,049 |
| Noninterest income to average assets | 0.5718% | 2,345 |
| Noninterest expense to average assets | 1.9682% | 4,612 |
| Loan and lease loss provision to assets | 0.1680% | 1,105 |
| Net operating income to assets | 1.5143% | 1,154 |
| Return on assets (ROA) | 1.5238% | 1,180 |
| Pretax return on assets | 1.5631% | 1,771 |
| Return on Equity (ROE) | 13.4339% | 1,129 |
| Retained earnings to average equity (ytd only) | 5.7743% | 2,472 |
| Net charge-offs to loans | 0.1835% | 937 |
| Credit loss provision to net charge-offs | 134.8837% | 1,771 |
| Earnings coverage of net charge-offs (x) | 13.8214% | 2,269 |
| Efficiency ratio | 52.9295% | 4,513 |
| Assets per employee ($millions) | 7.5057% | 837 |
| Cash dividends to net income (ytd only)* | 57.0169% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,178 |
| Loan loss allowance to noncurrent loans | 211.2836% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 2,898 |
| Noncurrent loans to loans | 0.5959% | 2,498 |
| Net loans and leases to total assets | 66.6496% | 2,969 |
| Net loans and leases to deposits | 77.6284% | 3,138 |
| Net loans and leases to core deposits | 83.5558% | 3,133 |
| Total domestic deposits to total assets | 85.8572% | 2,053 |
| Equity capital to assets | 11.3435% | 2,800 |
| Core capital (leverage) ratio | 10.8668% | 2,775 |
| Tier 1 risk-based capital ratio | 13.1163% | 3,790 |
| Total risk-based capital ratio | 14.1629% | 3,791 |
| Memoranda: | ||
| Average total assets | $1,150,921,750 | 691 |
| Average earning assets | $1,079,173,750 | 674 |
| Average equity | $130,551,750 | 702 |
| Average total loans | $781,031,500 | 729 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 3,686 |
| Cost of funding earning assets | 0.9606% | 1,861 |
| Net interest margin | 3.3212% | 4,093 |
| Noninterest income to average assets | 0.5313% | 2,497 |
| Noninterest expense to average assets | 1.9556% | 4,678 |
| Loan and lease loss provision to assets | 0.0529% | 2,762 |
| Net operating income to assets | 1.5982% | 916 |
| Return on assets (ROA) | 1.5995% | 955 |
| Pretax return on assets | 1.6393% | 1,426 |
| Return on Equity (ROE) | 14.1007% | 956 |
| Retained earnings to average equity (ytd only) | 6.3283% | 2,127 |
| Net charge-offs to loans | -0.0021% | 3,959 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1986% | 4,542 |
| Assets per employee ($millions) | 7.3702% | 855 |
| Cash dividends to net income (ytd only)* | 55.1207% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,039 |
| Loan loss allowance to noncurrent loans | 358.9943% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 3,601 |
| Noncurrent loans to loans | 0.3606% | 3,242 |
| Net loans and leases to total assets | 66.3767% | 3,055 |
| Net loans and leases to deposits | 77.2990% | 3,215 |
| Net loans and leases to core deposits | 83.1231% | 3,187 |
| Total domestic deposits to total assets | 85.8701% | 2,101 |
| Equity capital to assets | 11.4440% | 2,647 |
| Core capital (leverage) ratio | 10.9849% | 2,614 |
| Tier 1 risk-based capital ratio | 13.4730% | 3,598 |
| Total risk-based capital ratio | 14.5547% | 3,588 |
| Memoranda: | ||
| Average total assets | $1,134,260,670 | 695 |
| Average earning assets | $1,063,965,670 | 682 |
| Average equity | $128,660,670 | 707 |
| Average total loans | $771,174,330 | 740 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2062% | 3,841 |
| Cost of funding earning assets | 0.9060% | 1,971 |
| Net interest margin | 3.3002% | 4,161 |
| Noninterest income to average assets | 0.5015% | 2,547 |
| Noninterest expense to average assets | 1.9015% | 4,797 |
| Loan and lease loss provision to assets | 0.0536% | 2,590 |
| Net operating income to assets | 1.5951% | 907 |
| Return on assets (ROA) | 1.5951% | 934 |
| Pretax return on assets | 1.6359% | 1,380 |
| Return on Equity (ROE) | 14.1280% | 941 |
| Retained earnings to average equity (ytd only) | 6.2140% | 2,359 |
| Net charge-offs to loans | 0.0005% | 2,738 |
| Credit loss provision to net charge-offs | 15,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 4,727.0000% | 4 |
| Efficiency ratio | 52.5132% | 4,659 |
| Assets per employee ($millions) | 7.2665% | 890 |
| Cash dividends to net income (ytd only)* | 56.0161% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 2,051 |
| Loan loss allowance to noncurrent loans | 384.1032% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 3,703 |
| Noncurrent loans to loans | 0.3407% | 3,359 |
| Net loans and leases to total assets | 66.3900% | 2,993 |
| Net loans and leases to deposits | 77.2254% | 3,140 |
| Net loans and leases to core deposits | 83.2997% | 3,083 |
| Total domestic deposits to total assets | 85.9692% | 2,293 |
| Equity capital to assets | 11.3754% | 2,503 |
| Core capital (leverage) ratio | 11.3356% | 2,259 |
| Tier 1 risk-based capital ratio | 13.6129% | 3,550 |
| Total risk-based capital ratio | 14.7074% | 3,536 |
| Memoranda: | ||
| Average total assets | $1,119,144,500 | 708 |
| Average earning assets | $1,047,703,000 | 697 |
| Average equity | $126,359,000 | 718 |
| Average total loans | $765,216,500 | 751 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 3,634 |
| Cost of funding earning assets | 0.6563% | 2,345 |
| Net interest margin | 3.4803% | 3,770 |
| Noninterest income to average assets | 0.5848% | 2,377 |
| Noninterest expense to average assets | 2.0973% | 4,572 |
| Loan and lease loss provision to assets | 0.0474% | 3,239 |
| Net operating income to assets | 1.6746% | 729 |
| Return on assets (ROA) | 1.6774% | 723 |
| Pretax return on assets | 1.7178% | 1,119 |
| Return on Equity (ROE) | 14.7997% | 872 |
| Retained earnings to average equity (ytd only) | 8.3229% | 1,109 |
| Net charge-offs to loans | 0.0656% | 2,185 |
| Credit loss provision to net charge-offs | 101.8330% | 2,476 |
| Earnings coverage of net charge-offs (x) | 37.8921% | 1,366 |
| Efficiency ratio | 53.9034% | 4,629 |
| Assets per employee ($millions) | 6.9479% | 1,001 |
| Cash dividends to net income (ytd only)* | 43.7631% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,143 |
| Loan loss allowance to noncurrent loans | 370.3843% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 3,641 |
| Noncurrent loans to loans | 0.3456% | 3,307 |
| Net loans and leases to total assets | 68.6190% | 2,786 |
| Net loans and leases to deposits | 79.4539% | 3,012 |
| Net loans and leases to core deposits | 85.3040% | 2,971 |
| Total domestic deposits to total assets | 86.3633% | 2,065 |
| Equity capital to assets | 11.2037% | 2,511 |
| Core capital (leverage) ratio | 11.2074% | 2,347 |
| Tier 1 risk-based capital ratio | 13.4153% | 3,597 |
| Total risk-based capital ratio | 14.4953% | 3,583 |
| Memoranda: | ||
| Average total assets | $1,055,736,400 | 728 |
| Average earning assets | $993,378,600 | 713 |
| Average equity | $119,657,600 | 721 |
| Average total loans | $748,859,000 | 738 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0622% | 3,749 |
| Cost of funding earning assets | 0.6063% | 2,428 |
| Net interest margin | 3.4559% | 3,847 |
| Noninterest income to average assets | 0.5858% | 2,385 |
| Noninterest expense to average assets | 2.0359% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7784% | 627 |
| Return on assets (ROA) | 1.7822% | 622 |
| Pretax return on assets | 1.8188% | 973 |
| Return on Equity (ROE) | 15.6764% | 753 |
| Retained earnings to average equity (ytd only) | 10.0568% | 907 |
| Net charge-offs to loans | -0.0022% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4238% | 4,765 |
| Assets per employee ($millions) | 6.7047% | 1,086 |
| Cash dividends to net income (ytd only)* | 35.8474% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,227 |
| Loan loss allowance to noncurrent loans | 360.9765% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 3,686 |
| Noncurrent loans to loans | 0.3531% | 3,390 |
| Net loans and leases to total assets | 71.0039% | 2,489 |
| Net loans and leases to deposits | 82.2982% | 2,780 |
| Net loans and leases to core deposits | 87.6526% | 2,863 |
| Total domestic deposits to total assets | 86.2764% | 2,065 |
| Equity capital to assets | 11.2470% | 2,432 |
| Core capital (leverage) ratio | 11.3109% | 2,327 |
| Tier 1 risk-based capital ratio | 13.3861% | 3,687 |
| Total risk-based capital ratio | 14.4735% | 3,687 |
| Memoranda: | ||
| Average total assets | $1,043,491,750 | 737 |
| Average earning assets | $985,874,000 | 718 |
| Average equity | $118,629,750 | 717 |
| Average total loans | $744,105,250 | 739 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 3,846 |
| Cost of funding earning assets | 0.5485% | 2,624 |
| Net interest margin | 3.4307% | 3,861 |
| Noninterest income to average assets | 0.5742% | 2,454 |
| Noninterest expense to average assets | 1.9326% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8418% | 534 |
| Return on assets (ROA) | 1.8374% | 540 |
| Pretax return on assets | 1.8744% | 828 |
| Return on Equity (ROE) | 16.1027% | 654 |
| Retained earnings to average equity (ytd only) | 11.8638% | 540 |
| Net charge-offs to loans | -0.0005% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2538% | 5,015 |
| Assets per employee ($millions) | 6.6488% | 1,099 |
| Cash dividends to net income (ytd only)* | 26.3241% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 2,184 |
| Loan loss allowance to noncurrent loans | 375.0668% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 3,778 |
| Noncurrent loans to loans | 0.3457% | 3,458 |
| Net loans and leases to total assets | 70.2956% | 2,534 |
| Net loans and leases to deposits | 81.3916% | 2,827 |
| Net loans and leases to core deposits | 86.2894% | 2,898 |
| Total domestic deposits to total assets | 86.3672% | 2,113 |
| Equity capital to assets | 11.2994% | 2,365 |
| Core capital (leverage) ratio | 11.3915% | 2,163 |
| Tier 1 risk-based capital ratio | 13.4030% | 3,671 |
| Total risk-based capital ratio | 14.5088% | 3,682 |
| Memoranda: | ||
| Average total assets | $1,033,739,670 | 742 |
| Average earning assets | $975,430,330 | 725 |
| Average equity | $117,955,670 | 722 |
| Average total loans | $734,965,000 | 750 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 3,861 |
| Cost of funding earning assets | 0.5152% | 2,677 |
| Net interest margin | 3.4091% | 3,854 |
| Noninterest income to average assets | 0.5423% | 2,566 |
| Noninterest expense to average assets | 1.8549% | 5,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8606% | 499 |
| Return on assets (ROA) | 1.8518% | 511 |
| Pretax return on assets | 1.8895% | 747 |
| Return on Equity (ROE) | 16.1464% | 596 |
| Retained earnings to average equity (ytd only) | 16.1464% | 241 |
| Net charge-offs to loans | 0.0017% | 2,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1,611.6667% | 32 |
| Efficiency ratio | 48.9486% | 5,146 |
| Assets per employee ($millions) | 6.9840% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 2,071 |
| Loan loss allowance to noncurrent loans | 3,339.4558% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 4,969 |
| Noncurrent loans to loans | 0.0400% | 4,793 |
| Net loans and leases to total assets | 69.6186% | 2,540 |
| Net loans and leases to deposits | 81.1199% | 2,684 |
| Net loans and leases to core deposits | 85.6262% | 2,838 |
| Total domestic deposits to total assets | 85.8219% | 2,623 |
| Equity capital to assets | 11.3515% | 2,252 |
| Core capital (leverage) ratio | 11.7106% | 1,840 |
| Tier 1 risk-based capital ratio | 13.3890% | 3,725 |
| Total risk-based capital ratio | 14.5151% | 3,706 |
| Memoranda: | ||
| Average total assets | $1,018,702,000 | 752 |
| Average earning assets | $959,548,500 | 737 |
| Average equity | $116,831,000 | 732 |
| Average total loans | $723,628,500 | 761 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0101% | 3,370 |
| Cost of funding earning assets | 0.4829% | 2,478 |
| Net interest margin | 3.5272% | 3,437 |
| Noninterest income to average assets | 0.6165% | 2,373 |
| Noninterest expense to average assets | 2.0938% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8007% | 420 |
| Return on assets (ROA) | 1.7844% | 444 |
| Pretax return on assets | 1.8238% | 745 |
| Return on Equity (ROE) | 15.2627% | 574 |
| Retained earnings to average equity (ytd only) | 4.5082% | 2,447 |
| Net charge-offs to loans | -0.0368% | 5,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0982% | 5,025 |
| Assets per employee ($millions) | 6.7351% | 1,087 |
| Cash dividends to net income (ytd only)* | 70.4630% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 1,847 |
| Loan loss allowance to noncurrent loans | 2,888.5294% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 4,967 |
| Noncurrent loans to loans | 0.0477% | 4,781 |
| Net loans and leases to total assets | 70.5421% | 2,442 |
| Net loans and leases to deposits | 81.7079% | 2,751 |
| Net loans and leases to core deposits | 86.1285% | 2,900 |
| Total domestic deposits to total assets | 86.3345% | 2,303 |
| Equity capital to assets | 11.5909% | 2,120 |
| Core capital (leverage) ratio | 11.3267% | 2,079 |
| Tier 1 risk-based capital ratio | 13.3738% | 3,706 |
| Total risk-based capital ratio | 14.5468% | 3,661 |
| Memoranda: | ||
| Average total assets | $974,250,200 | 760 |
| Average earning assets | $916,380,600 | 742 |
| Average equity | $113,904,800 | 719 |
| Average total loans | $676,410,800 | 772 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 3,429 |
| Cost of funding earning assets | 0.4656% | 2,566 |
| Net interest margin | 3.5123% | 3,457 |
| Noninterest income to average assets | 0.6095% | 2,427 |
| Noninterest expense to average assets | 2.0393% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8380% | 430 |
| Return on assets (ROA) | 1.8157% | 466 |
| Pretax return on assets | 1.8547% | 774 |
| Return on Equity (ROE) | 15.4961% | 589 |
| Retained earnings to average equity (ytd only) | 6.9792% | 1,699 |
| Net charge-offs to loans | -0.0809% | 5,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9646% | 5,102 |
| Assets per employee ($millions) | 6.4357% | 1,222 |
| Cash dividends to net income (ytd only)* | 54.9617% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,629 |
| Loan loss allowance to noncurrent loans | 4,555.7078% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 5,136 |
| Noncurrent loans to loans | 0.0323% | 4,979 |
| Net loans and leases to total assets | 70.0443% | 2,551 |
| Net loans and leases to deposits | 83.8441% | 2,573 |
| Net loans and leases to core deposits | 88.7529% | 2,708 |
| Total domestic deposits to total assets | 83.5411% | 3,277 |
| Equity capital to assets | 12.3335% | 1,756 |
| Core capital (leverage) ratio | 11.7385% | 1,857 |
| Tier 1 risk-based capital ratio | 13.9712% | 3,458 |
| Total risk-based capital ratio | 15.2074% | 3,388 |
| Memoranda: | ||
| Average total assets | $968,615,500 | 771 |
| Average earning assets | $912,043,750 | 750 |
| Average equity | $113,496,750 | 724 |
| Average total loans | $667,269,250 | 786 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 3,518 |
| Cost of funding earning assets | 0.4474% | 2,625 |
| Net interest margin | 3.4637% | 3,530 |
| Noninterest income to average assets | 0.5982% | 2,468 |
| Noninterest expense to average assets | 2.0058% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8153% | 440 |
| Return on assets (ROA) | 1.8080% | 458 |
| Pretax return on assets | 1.8468% | 751 |
| Return on Equity (ROE) | 15.6992% | 567 |
| Retained earnings to average equity (ytd only) | 6.3385% | 1,943 |
| Net charge-offs to loans | -0.1268% | 5,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8619% | 5,190 |
| Assets per employee ($millions) | 6.5783% | 1,110 |
| Cash dividends to net income (ytd only)* | 59.6252% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,694 |
| Loan loss allowance to noncurrent loans | 28,551.4286% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,294 |
| Noncurrent loans to loans | 0.0051% | 5,173 |
| Net loans and leases to total assets | 68.9468% | 2,674 |
| Net loans and leases to deposits | 82.3510% | 2,667 |
| Net loans and leases to core deposits | 87.2100% | 2,780 |
| Total domestic deposits to total assets | 83.7230% | 3,312 |
| Equity capital to assets | 11.8363% | 2,054 |
| Core capital (leverage) ratio | 11.4347% | 2,016 |
| Tier 1 risk-based capital ratio | 13.7400% | 3,566 |
| Total risk-based capital ratio | 14.9841% | 3,488 |
| Memoranda: | ||
| Average total assets | $973,994,330 | 768 |
| Average earning assets | $917,235,670 | 748 |
| Average equity | $112,171,000 | 736 |
| Average total loans | $663,981,000 | 791 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 3,462 |
| Cost of funding earning assets | 0.4394% | 2,618 |
| Net interest margin | 3.4408% | 3,479 |
| Noninterest income to average assets | 0.5982% | 2,423 |
| Noninterest expense to average assets | 1.9413% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8588% | 400 |
| Return on assets (ROA) | 1.8592% | 414 |
| Pretax return on assets | 1.8982% | 640 |
| Return on Equity (ROE) | 16.3705% | 480 |
| Retained earnings to average equity (ytd only) | 6.4282% | 2,121 |
| Net charge-offs to loans | -0.3430% | 5,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4599% | 5,352 |
| Assets per employee ($millions) | 6.6759% | 1,094 |
| Cash dividends to net income (ytd only)* | 60.7332% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 1,469 |
| Loan loss allowance to noncurrent loans | 8,239.0244% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 5,303 |
| Noncurrent loans to loans | 0.0190% | 5,152 |
| Net loans and leases to total assets | 65.8709% | 2,990 |
| Net loans and leases to deposits | 78.9993% | 2,864 |
| Net loans and leases to core deposits | 82.9692% | 2,998 |
| Total domestic deposits to total assets | 83.3816% | 3,708 |
| Equity capital to assets | 11.5798% | 2,129 |
| Core capital (leverage) ratio | 11.3241% | 2,086 |
| Tier 1 risk-based capital ratio | 14.0568% | 3,438 |
| Total risk-based capital ratio | 15.3075% | 3,359 |
| Memoranda: | ||
| Average total assets | $974,197,000 | 775 |
| Average earning assets | $917,566,000 | 749 |
| Average equity | $110,638,000 | 747 |
| Average total loans | $655,346,000 | 801 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 3,750 |
| Cost of funding earning assets | 0.4713% | 2,341 |
| Net interest margin | 3.3763% | 3,905 |
| Noninterest income to average assets | 0.6461% | 2,438 |
| Noninterest expense to average assets | 2.0229% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7645% | 476 |
| Return on assets (ROA) | 1.7614% | 497 |
| Pretax return on assets | 1.8001% | 801 |
| Return on Equity (ROE) | 15.6390% | 542 |
| Retained earnings to average equity (ytd only) | 6.6961% | 1,358 |
| Net charge-offs to loans | -0.1243% | 5,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7667% | 5,327 |
| Assets per employee ($millions) | 6.8559% | 980 |
| Cash dividends to net income (ytd only)* | 57.1833% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,896 |
| Loan loss allowance to noncurrent loans | 14,726.1538% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 5,394 |
| Noncurrent loans to loans | 0.0098% | 5,253 |
| Net loans and leases to total assets | 66.6422% | 2,982 |
| Net loans and leases to deposits | 79.4358% | 2,951 |
| Net loans and leases to core deposits | 83.2463% | 3,103 |
| Total domestic deposits to total assets | 83.8944% | 3,462 |
| Equity capital to assets | 11.1367% | 2,494 |
| Core capital (leverage) ratio | 10.8374% | 2,499 |
| Tier 1 risk-based capital ratio | 13.4131% | 3,828 |
| Total risk-based capital ratio | 14.6152% | 3,760 |
| Memoranda: | ||
| Average total assets | $963,055,000 | 752 |
| Average earning assets | $907,118,200 | 730 |
| Average equity | $108,465,800 | 740 |
| Average total loans | $654,786,400 | 758 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8486% | 3,772 |
| Cost of funding earning assets | 0.4759% | 2,309 |
| Net interest margin | 3.3727% | 3,949 |
| Noninterest income to average assets | 0.6524% | 2,409 |
| Noninterest expense to average assets | 2.0402% | 5,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7529% | 532 |
| Return on assets (ROA) | 1.7606% | 558 |
| Pretax return on assets | 1.7994% | 901 |
| Return on Equity (ROE) | 15.5879% | 595 |
| Retained earnings to average equity (ytd only) | 6.3534% | 1,985 |
| Net charge-offs to loans | -0.1258% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1395% | 5,299 |
| Assets per employee ($millions) | 6.5898% | 1,054 |
| Cash dividends to net income (ytd only)* | 59.2417% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 2,071 |
| Loan loss allowance to noncurrent loans | 3,188.4354% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 5,374 |
| Noncurrent loans to loans | 0.0448% | 5,183 |
| Net loans and leases to total assets | 68.1707% | 2,776 |
| Net loans and leases to deposits | 82.5753% | 2,658 |
| Net loans and leases to core deposits | 86.5380% | 2,903 |
| Total domestic deposits to total assets | 82.5558% | 3,757 |
| Equity capital to assets | 11.7859% | 2,271 |
| Core capital (leverage) ratio | 11.0279% | 2,423 |
| Tier 1 risk-based capital ratio | 12.7659% | 4,297 |
| Total risk-based capital ratio | 13.9089% | 4,275 |
| Memoranda: | ||
| Average total assets | $958,721,750 | 757 |
| Average earning assets | $903,742,250 | 734 |
| Average equity | $108,286,500 | 743 |
| Average total loans | $652,752,000 | 762 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8179% | 3,891 |
| Cost of funding earning assets | 0.4750% | 2,315 |
| Net interest margin | 3.3429% | 4,084 |
| Noninterest income to average assets | 0.6526% | 2,357 |
| Noninterest expense to average assets | 2.0071% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7574% | 518 |
| Return on assets (ROA) | 1.7684% | 534 |
| Pretax return on assets | 1.8071% | 870 |
| Return on Equity (ROE) | 15.8839% | 556 |
| Retained earnings to average equity (ytd only) | 5.6133% | 2,356 |
| Net charge-offs to loans | -0.1329% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6733% | 5,408 |
| Assets per employee ($millions) | 6.5499% | 1,062 |
| Cash dividends to net income (ytd only)* | 64.6602% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 2,357 |
| Loan loss allowance to noncurrent loans | 1,318.6514% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 5,247 |
| Noncurrent loans to loans | 0.1051% | 5,030 |
| Net loans and leases to total assets | 68.8851% | 2,653 |
| Net loans and leases to deposits | 84.1642% | 2,443 |
| Net loans and leases to core deposits | 88.0837% | 2,717 |
| Total domestic deposits to total assets | 81.8460% | 4,041 |
| Equity capital to assets | 11.6289% | 2,418 |
| Core capital (leverage) ratio | 10.6691% | 2,767 |
| Tier 1 risk-based capital ratio | 12.3884% | 4,602 |
| Total risk-based capital ratio | 13.4988% | 4,593 |
| Memoranda: | ||
| Average total assets | $961,987,330 | 755 |
| Average earning assets | $906,579,330 | 734 |
| Average equity | $107,102,330 | 750 |
| Average total loans | $651,581,670 | 762 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 4,108 |
| Cost of funding earning assets | 0.4727% | 2,348 |
| Net interest margin | 3.2852% | 4,281 |
| Noninterest income to average assets | 0.5404% | 2,865 |
| Noninterest expense to average assets | 1.9816% | 5,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6104% | 686 |
| Return on assets (ROA) | 1.6205% | 717 |
| Pretax return on assets | 1.6589% | 1,160 |
| Return on Equity (ROE) | 14.8798% | 691 |
| Retained earnings to average equity (ytd only) | 3.4980% | 3,746 |
| Net charge-offs to loans | -0.1332% | 5,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4730% | 5,340 |
| Assets per employee ($millions) | 6.5511% | 1,081 |
| Cash dividends to net income (ytd only)* | 76.4916% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 2,534 |
| Loan loss allowance to noncurrent loans | 8,385.9813% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 5,623 |
| Noncurrent loans to loans | 0.0164% | 5,447 |
| Net loans and leases to total assets | 67.6981% | 2,690 |
| Net loans and leases to deposits | 82.3295% | 2,502 |
| Net loans and leases to core deposits | 85.7051% | 2,773 |
| Total domestic deposits to total assets | 82.2282% | 4,142 |
| Equity capital to assets | 11.2176% | 2,715 |
| Core capital (leverage) ratio | 10.6112% | 2,837 |
| Tier 1 risk-based capital ratio | 12.1811% | 4,789 |
| Total risk-based capital ratio | 13.2690% | 4,818 |
| Memoranda: | ||
| Average total assets | $968,112,500 | 749 |
| Average earning assets | $910,494,500 | 729 |
| Average equity | $105,431,500 | 762 |
| Average total loans | $645,663,500 | 766 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 3,916 |
| Cost of funding earning assets | 0.4822% | 2,337 |
| Net interest margin | 3.3578% | 4,085 |
| Noninterest income to average assets | 0.5721% | 2,887 |
| Noninterest expense to average assets | 2.0057% | 5,446 |
| Loan and lease loss provision to assets | 0.0530% | 3,253 |
| Net operating income to assets | 1.6348% | 652 |
| Return on assets (ROA) | 1.6590% | 640 |
| Pretax return on assets | 1.6981% | 998 |
| Return on Equity (ROE) | 15.5405% | 607 |
| Retained earnings to average equity (ytd only) | 7.5248% | 1,089 |
| Net charge-offs to loans | -0.0555% | 5,584 |
| Credit loss provision to net charge-offs | -140.8451% | 5,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6332% | 5,543 |
| Assets per employee ($millions) | 6.8495% | 941 |
| Cash dividends to net income (ytd only)* | 51.5791% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 2,556 |
| Loan loss allowance to noncurrent loans | 5,213.0952% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 5,632 |
| Noncurrent loans to loans | 0.0263% | 5,409 |
| Net loans and leases to total assets | 63.9274% | 3,300 |
| Net loans and leases to deposits | 77.1842% | 3,141 |
| Net loans and leases to core deposits | 80.6920% | 3,276 |
| Total domestic deposits to total assets | 82.8245% | 3,894 |
| Equity capital to assets | 10.5754% | 3,281 |
| Core capital (leverage) ratio | 10.2366% | 3,210 |
| Tier 1 risk-based capital ratio | 12.0713% | 4,904 |
| Total risk-based capital ratio | 13.1334% | 4,933 |
| Memoranda: | ||
| Average total assets | $942,872,400 | 731 |
| Average earning assets | $887,349,200 | 715 |
| Average equity | $100,653,200 | 767 |
| Average total loans | $639,679,800 | 729 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8659% | 3,873 |
| Cost of funding earning assets | 0.4661% | 2,525 |
| Net interest margin | 3.3998% | 3,962 |
| Noninterest income to average assets | 0.5871% | 2,816 |
| Noninterest expense to average assets | 1.9789% | 5,521 |
| Loan and lease loss provision to assets | 0.0715% | 2,746 |
| Net operating income to assets | 1.6969% | 629 |
| Return on assets (ROA) | 1.7244% | 617 |
| Pretax return on assets | 1.7643% | 966 |
| Return on Equity (ROE) | 16.1135% | 573 |
| Retained earnings to average equity (ytd only) | 9.4296% | 754 |
| Net charge-offs to loans | -0.0298% | 5,355 |
| Credit loss provision to net charge-offs | -349.6503% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1496% | 5,647 |
| Assets per employee ($millions) | 6.4017% | 1,116 |
| Cash dividends to net income (ytd only)* | 41.4800% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 3,018 |
| Loan loss allowance to noncurrent loans | 9,711.3636% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 5,765 |
| Noncurrent loans to loans | 0.0135% | 5,584 |
| Net loans and leases to total assets | 69.1488% | 2,513 |
| Net loans and leases to deposits | 84.4384% | 2,352 |
| Net loans and leases to core deposits | 89.4173% | 2,522 |
| Total domestic deposits to total assets | 81.8927% | 4,200 |
| Equity capital to assets | 11.1593% | 2,837 |
| Core capital (leverage) ratio | 10.7804% | 2,737 |
| Tier 1 risk-based capital ratio | 12.2981% | 4,889 |
| Total risk-based capital ratio | 13.3595% | 4,928 |
| Memoranda: | ||
| Average total assets | $932,010,250 | 742 |
| Average earning assets | $877,117,000 | 728 |
| Average equity | $99,739,750 | 776 |
| Average total loans | $639,778,000 | 738 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 3,852 |
| Cost of funding earning assets | 0.4650% | 2,559 |
| Net interest margin | 3.3888% | 3,941 |
| Noninterest income to average assets | 0.5910% | 2,787 |
| Noninterest expense to average assets | 1.9480% | 5,636 |
| Loan and lease loss provision to assets | 0.1072% | 2,046 |
| Net operating income to assets | 1.6842% | 641 |
| Return on assets (ROA) | 1.7161% | 638 |
| Pretax return on assets | 1.7560% | 964 |
| Return on Equity (ROE) | 16.2669% | 582 |
| Retained earnings to average equity (ytd only) | 9.9698% | 668 |
| Net charge-offs to loans | 0.0255% | 3,173 |
| Credit loss provision to net charge-offs | 617.2840% | 538 |
| Earnings coverage of net charge-offs (x) | 105.4568% | 577 |
| Efficiency ratio | 51.4462% | 5,758 |
| Assets per employee ($millions) | 6.4076% | 1,101 |
| Cash dividends to net income (ytd only)* | 38.7113% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 3,207 |
| Loan loss allowance to noncurrent loans | 6,119.1176% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 5,836 |
| Noncurrent loans to loans | 0.0214% | 5,674 |
| Net loans and leases to total assets | 68.5801% | 2,557 |
| Net loans and leases to deposits | 82.0002% | 2,554 |
| Net loans and leases to core deposits | 86.5672% | 2,703 |
| Total domestic deposits to total assets | 83.6341% | 3,722 |
| Equity capital to assets | 10.9244% | 2,969 |
| Core capital (leverage) ratio | 10.6406% | 2,805 |
| Tier 1 risk-based capital ratio | 12.3763% | 4,893 |
| Total risk-based capital ratio | 13.4396% | 4,907 |
| Memoranda: | ||
| Average total assets | $933,262,670 | 745 |
| Average earning assets | $877,821,670 | 732 |
| Average equity | $98,457,330 | 788 |
| Average total loans | $636,230,000 | 738 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 4,062 |
| Cost of funding earning assets | 0.4642% | 2,629 |
| Net interest margin | 3.3226% | 4,121 |
| Noninterest income to average assets | 0.5585% | 2,900 |
| Noninterest expense to average assets | 1.9598% | 5,647 |
| Loan and lease loss provision to assets | 0.2124% | 840 |
| Net operating income to assets | 1.4755% | 893 |
| Return on assets (ROA) | 1.4751% | 952 |
| Pretax return on assets | 1.5146% | 1,514 |
| Return on Equity (ROE) | 14.2283% | 835 |
| Retained earnings to average equity (ytd only) | 8.0830% | 1,539 |
| Net charge-offs to loans | 0.0044% | 3,173 |
| Credit loss provision to net charge-offs | 7,142.8571% | 53 |
| Earnings coverage of net charge-offs (x) | 581.0000% | 90 |
| Efficiency ratio | 53.0469% | 5,747 |
| Assets per employee ($millions) | 6.4958% | 1,078 |
| Cash dividends to net income (ytd only)* | 43.1903% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 3,296 |
| Loan loss allowance to noncurrent loans | 2,141.8367% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 5,769 |
| Noncurrent loans to loans | 0.0617% | 5,529 |
| Net loans and leases to total assets | 68.4104% | 2,381 |
| Net loans and leases to deposits | 81.8538% | 2,350 |
| Net loans and leases to core deposits | 86.5982% | 2,484 |
| Total domestic deposits to total assets | 83.5763% | 3,981 |
| Equity capital to assets | 10.8188% | 3,174 |
| Core capital (leverage) ratio | 10.1342% | 3,423 |
| Tier 1 risk-based capital ratio | 11.8966% | 5,312 |
| Total risk-based capital ratio | 12.9600% | 5,337 |
| Memoranda: | ||
| Average total assets | $941,750,000 | 739 |
| Average earning assets | $886,767,500 | 719 |
| Average equity | $97,636,500 | 794 |
| Average total loans | $635,988,500 | 734 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8287% | 4,398 |
| Cost of funding earning assets | 0.5363% | 2,318 |
| Net interest margin | 3.2924% | 4,604 |
| Noninterest income to average assets | 0.5798% | 2,989 |
| Noninterest expense to average assets | 1.9021% | 5,937 |
| Loan and lease loss provision to assets | 0.3330% | 583 |
| Net operating income to assets | 1.3928% | 1,096 |
| Return on assets (ROA) | 1.4098% | 1,095 |
| Pretax return on assets | 1.4494% | 1,723 |
| Return on Equity (ROE) | 14.7373% | 824 |
| Retained earnings to average equity (ytd only) | 9.6085% | 582 |
| Net charge-offs to loans | 0.3828% | 1,118 |
| Credit loss provision to net charge-offs | 132.5920% | 1,793 |
| Earnings coverage of net charge-offs (x) | 7.0274% | 3,098 |
| Efficiency ratio | 51.7619% | 6,001 |
| Assets per employee ($millions) | 6.8624% | 901 |
| Cash dividends to net income (ytd only)* | 34.8012% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 3,766 |
| Loan loss allowance to noncurrent loans | 6,585.8333% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 6,015 |
| Noncurrent loans to loans | 0.0188% | 5,817 |
| Net loans and leases to total assets | 65.0173% | 3,044 |
| Net loans and leases to deposits | 76.7097% | 3,116 |
| Net loans and leases to core deposits | 81.3711% | 3,161 |
| Total domestic deposits to total assets | 84.7576% | 3,390 |
| Equity capital to assets | 9.9405% | 4,190 |
| Core capital (leverage) ratio | 9.6392% | 4,044 |
| Tier 1 risk-based capital ratio | 11.1504% | 5,842 |
| Total risk-based capital ratio | 12.1108% | 5,894 |
| Memoranda: | ||
| Average total assets | $931,028,000 | 717 |
| Average earning assets | $872,957,000 | 703 |
| Average equity | $89,066,800 | 827 |
| Average total loans | $610,825,600 | 716 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8406% | 4,404 |
| Cost of funding earning assets | 0.5332% | 2,435 |
| Net interest margin | 3.3073% | 4,577 |
| Noninterest income to average assets | 0.5872% | 2,948 |
| Noninterest expense to average assets | 1.9355% | 5,891 |
| Loan and lease loss provision to assets | 0.3037% | 642 |
| Net operating income to assets | 1.4107% | 1,109 |
| Return on assets (ROA) | 1.4095% | 1,153 |
| Pretax return on assets | 1.4460% | 1,822 |
| Return on Equity (ROE) | 14.8868% | 848 |
| Retained earnings to average equity (ytd only) | 9.3497% | 888 |
| Net charge-offs to loans | 0.0022% | 4,640 |
| Credit loss provision to net charge-offs | 21,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,210.8725% | 52 |
| Efficiency ratio | 52.3912% | 5,963 |
| Assets per employee ($millions) | 6.5880% | 971 |
| Cash dividends to net income (ytd only)* | 37.1947% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 2,885 |
| Loan loss allowance to noncurrent loans | 6,455.2448% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 6,115 |
| Noncurrent loans to loans | 0.0227% | 5,933 |
| Net loans and leases to total assets | 66.8769% | 2,705 |
| Net loans and leases to deposits | 79.2776% | 2,810 |
| Net loans and leases to core deposits | 86.5847% | 2,602 |
| Total domestic deposits to total assets | 84.3579% | 3,613 |
| Equity capital to assets | 10.0240% | 4,135 |
| Core capital (leverage) ratio | 9.5606% | 4,291 |
| Tier 1 risk-based capital ratio | 10.7982% | 6,091 |
| Total risk-based capital ratio | 11.9179% | 6,096 |
| Memoranda: | ||
| Average total assets | $921,887,000 | 726 |
| Average earning assets | $863,881,750 | 714 |
| Average equity | $87,287,750 | 848 |
| Average total loans | $604,280,750 | 727 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 4,204 |
| Cost of funding earning assets | 0.5373% | 2,466 |
| Net interest margin | 3.3464% | 4,422 |
| Noninterest income to average assets | 0.5790% | 2,936 |
| Noninterest expense to average assets | 1.9538% | 5,909 |
| Loan and lease loss provision to assets | 0.2392% | 943 |
| Net operating income to assets | 1.4788% | 911 |
| Return on assets (ROA) | 1.4790% | 943 |
| Pretax return on assets | 1.5155% | 1,491 |
| Return on Equity (ROE) | 15.9352% | 663 |
| Retained earnings to average equity (ytd only) | 8.9050% | 1,022 |
| Net charge-offs to loans | -0.0010% | 5,026 |
| Credit loss provision to net charge-offs | -36,666.6667% | 5,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5748% | 6,025 |
| Assets per employee ($millions) | 6.5050% | 1,009 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 3,559 |
| Loan loss allowance to noncurrent loans | 3,584.3478% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 6,144 |
| Noncurrent loans to loans | 0.0378% | 5,942 |
| Net loans and leases to total assets | 64.4708% | 3,004 |
| Net loans and leases to deposits | 76.5150% | 2,986 |
| Net loans and leases to core deposits | 85.1093% | 2,598 |
| Total domestic deposits to total assets | 84.2590% | 3,830 |
| Equity capital to assets | 9.6446% | 4,566 |
| Core capital (leverage) ratio | 9.4518% | 4,395 |
| Tier 1 risk-based capital ratio | 10.5524% | 6,233 |
| Total risk-based capital ratio | 11.5559% | 6,263 |
| Memoranda: | ||
| Average total assets | $919,546,330 | 730 |
| Average earning assets | $859,916,000 | 707 |
| Average equity | $85,345,670 | 863 |
| Average total loans | $595,555,330 | 729 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 4,339 |
| Cost of funding earning assets | 0.5423% | 2,480 |
| Net interest margin | 3.2928% | 4,570 |
| Noninterest income to average assets | 0.5045% | 3,375 |
| Noninterest expense to average assets | 1.9540% | 5,971 |
| Loan and lease loss provision to assets | 0.0875% | 2,456 |
| Net operating income to assets | 1.5072% | 801 |
| Return on assets (ROA) | 1.4819% | 876 |
| Pretax return on assets | 1.5187% | 1,380 |
| Return on Equity (ROE) | 16.2914% | 613 |
| Retained earnings to average equity (ytd only) | 9.0764% | 1,220 |
| Net charge-offs to loans | -0.0075% | 4,935 |
| Credit loss provision to net charge-offs | -1,818.1818% | 5,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3680% | 5,985 |
| Assets per employee ($millions) | 6.3389% | 1,091 |
| Cash dividends to net income (ytd only)* | 44.2870% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 4,555 |
| Loan loss allowance to noncurrent loans | 3,910.6383% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 6,246 |
| Noncurrent loans to loans | 0.0312% | 6,059 |
| Net loans and leases to total assets | 64.3984% | 2,826 |
| Net loans and leases to deposits | 76.1474% | 2,798 |
| Net loans and leases to core deposits | 85.5157% | 2,364 |
| Total domestic deposits to total assets | 84.5707% | 4,056 |
| Equity capital to assets | 9.2722% | 4,785 |
| Core capital (leverage) ratio | 9.5059% | 4,269 |
| Tier 1 risk-based capital ratio | 10.0827% | 6,451 |
| Total risk-based capital ratio | 10.9573% | 6,504 |
| Memoranda: | ||
| Average total assets | $914,209,500 | 740 |
| Average earning assets | $855,554,500 | 719 |
| Average equity | $83,160,500 | 881 |
| Average total loans | $589,351,000 | 742 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 4,688 |
| Cost of funding earning assets | 0.5825% | 2,811 |
| Net interest margin | 3.2485% | 4,841 |
| Noninterest income to average assets | 0.6842% | 2,626 |
| Noninterest expense to average assets | 2.0507% | 5,921 |
| Loan and lease loss provision to assets | 0.0349% | 4,424 |
| Net operating income to assets | 1.5914% | 704 |
| Return on assets (ROA) | 1.5806% | 742 |
| Pretax return on assets | 1.6203% | 1,119 |
| Return on Equity (ROE) | 17.1960% | 491 |
| Retained earnings to average equity (ytd only) | 9.1312% | 745 |
| Net charge-offs to loans | 0.0119% | 5,214 |
| Credit loss provision to net charge-offs | 483.8710% | 477 |
| Earnings coverage of net charge-offs (x) | 230.8710% | 196 |
| Efficiency ratio | 55.0531% | 6,044 |
| Assets per employee ($millions) | 6.2272% | 1,121 |
| Cash dividends to net income (ytd only)* | 46.8994% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 4,435 |
| Loan loss allowance to noncurrent loans | 4,637.0130% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 6,363 |
| Noncurrent loans to loans | 0.0268% | 6,174 |
| Net loans and leases to total assets | 62.9295% | 3,216 |
| Net loans and leases to deposits | 74.3127% | 3,219 |
| Net loans and leases to core deposits | 82.4407% | 2,845 |
| Total domestic deposits to total assets | 84.6820% | 3,897 |
| Equity capital to assets | 8.9163% | 5,136 |
| Core capital (leverage) ratio | 9.4552% | 4,329 |
| Tier 1 risk-based capital ratio | 10.1767% | 6,463 |
| Total risk-based capital ratio | 11.0538% | 6,521 |
| Memoranda: | ||
| Average total assets | $859,064,000 | 771 |
| Average earning assets | $802,010,000 | 750 |
| Average equity | $78,960,400 | 902 |
| Average total loans | $521,850,400 | 815 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 4,892 |
| Cost of funding earning assets | 0.5852% | 2,947 |
| Net interest margin | 3.2049% | 4,983 |
| Noninterest income to average assets | 0.6608% | 2,823 |
| Noninterest expense to average assets | 2.0768% | 5,878 |
| Loan and lease loss provision to assets | 0.0157% | 4,699 |
| Net operating income to assets | 1.5243% | 862 |
| Return on assets (ROA) | 1.5529% | 865 |
| Pretax return on assets | 1.5875% | 1,363 |
| Return on Equity (ROE) | 16.7619% | 562 |
| Retained earnings to average equity (ytd only) | 8.6168% | 1,189 |
| Net charge-offs to loans | 0.0094% | 4,960 |
| Credit loss provision to net charge-offs | 277.7778% | 920 |
| Earnings coverage of net charge-offs (x) | 278.1042% | 216 |
| Efficiency ratio | 56.7608% | 5,829 |
| Assets per employee ($millions) | 6.0177% | 1,232 |
| Cash dividends to net income (ytd only)* | 48.5928% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 4,541 |
| Loan loss allowance to noncurrent loans | 1,264.4283% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 6,254 |
| Noncurrent loans to loans | 0.1004% | 6,033 |
| Net loans and leases to total assets | 63.3981% | 3,099 |
| Net loans and leases to deposits | 76.1054% | 2,952 |
| Net loans and leases to core deposits | 82.6875% | 2,809 |
| Total domestic deposits to total assets | 83.3031% | 4,461 |
| Equity capital to assets | 9.2118% | 4,918 |
| Core capital (leverage) ratio | 9.6051% | 4,236 |
| Tier 1 risk-based capital ratio | 10.3390% | 6,498 |
| Total risk-based capital ratio | 11.2309% | 6,564 |
| Memoranda: | ||
| Average total assets | $848,095,250 | 786 |
| Average earning assets | $791,236,250 | 767 |
| Average equity | $78,573,250 | 921 |
| Average total loans | $508,474,000 | 832 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 5,007 |
| Cost of funding earning assets | 0.5987% | 2,957 |
| Net interest margin | 3.1458% | 5,136 |
| Noninterest income to average assets | 0.6821% | 2,731 |
| Noninterest expense to average assets | 2.0528% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5340% | 842 |
| Return on assets (ROA) | 1.6341% | 767 |
| Pretax return on assets | 1.6691% | 1,187 |
| Return on Equity (ROE) | 17.6044% | 498 |
| Retained earnings to average equity (ytd only) | 9.1995% | 1,059 |
| Net charge-offs to loans | 0.0024% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1,104.6667% | 28 |
| Efficiency ratio | 56.5868% | 5,890 |
| Assets per employee ($millions) | 6.1221% | 1,119 |
| Cash dividends to net income (ytd only)* | 47.7431% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 4,286 |
| Loan loss allowance to noncurrent loans | 808.5580% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 6,195 |
| Noncurrent loans to loans | 0.1665% | 5,908 |
| Net loans and leases to total assets | 59.8087% | 3,690 |
| Net loans and leases to deposits | 71.9687% | 3,450 |
| Net loans and leases to core deposits | 78.0643% | 3,275 |
| Total domestic deposits to total assets | 83.1037% | 4,663 |
| Equity capital to assets | 9.0929% | 5,113 |
| Core capital (leverage) ratio | 9.3322% | 4,488 |
| Tier 1 risk-based capital ratio | 10.4105% | 6,534 |
| Total risk-based capital ratio | 11.3162% | 6,594 |
| Memoranda: | ||
| Average total assets | $845,956,670 | 784 |
| Average earning assets | $789,999,330 | 770 |
| Average equity | $78,525,670 | 925 |
| Average total loans | $495,061,670 | 854 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 5,186 |
| Cost of funding earning assets | 0.6060% | 3,057 |
| Net interest margin | 3.0897% | 5,303 |
| Noninterest income to average assets | 0.6606% | 2,813 |
| Noninterest expense to average assets | 1.9671% | 6,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5394% | 787 |
| Return on assets (ROA) | 1.5565% | 832 |
| Pretax return on assets | 1.5924% | 1,322 |
| Return on Equity (ROE) | 16.5991% | 543 |
| Retained earnings to average equity (ytd only) | 6.2687% | 2,530 |
| Net charge-offs to loans | 0.0016% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1,666.5000% | 6 |
| Efficiency ratio | 55.4162% | 6,116 |
| Assets per employee ($millions) | 5.7788% | 1,421 |
| Cash dividends to net income (ytd only)* | 62.2344% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 4,121 |
| Loan loss allowance to noncurrent loans | 800.5800% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 6,282 |
| Noncurrent loans to loans | 0.1776% | 5,962 |
| Net loans and leases to total assets | 55.9346% | 4,090 |
| Net loans and leases to deposits | 66.5321% | 3,985 |
| Net loans and leases to core deposits | 72.4084% | 3,770 |
| Total domestic deposits to total assets | 84.0716% | 4,443 |
| Equity capital to assets | 9.3413% | 5,074 |
| Core capital (leverage) ratio | 9.2574% | 4,468 |
| Tier 1 risk-based capital ratio | 10.9033% | 6,448 |
| Total risk-based capital ratio | 11.8818% | 6,512 |
| Memoranda: | ||
| Average total assets | $846,510,000 | 790 |
| Average earning assets | $789,467,500 | 775 |
| Average equity | $79,378,000 | 928 |
| Average total loans | $486,497,000 | 872 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 4,628 |
| Cost of funding earning assets | 0.6833% | 3,630 |
| Net interest margin | 3.5075% | 4,472 |
| Noninterest income to average assets | 0.8931% | 1,884 |
| Noninterest expense to average assets | 2.1630% | 5,995 |
| Loan and lease loss provision to assets | 0.1034% | 4,350 |
| Net operating income to assets | 1.8471% | 475 |
| Return on assets (ROA) | 1.9446% | 436 |
| Pretax return on assets | 1.9833% | 625 |
| Return on Equity (ROE) | 19.5950% | 318 |
| Retained earnings to average equity (ytd only) | 11.1368% | 427 |
| Net charge-offs to loans | 0.0279% | 5,509 |
| Credit loss provision to net charge-offs | 625.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 120.0887% | 326 |
| Efficiency ratio | 51.9952% | 6,463 |
| Assets per employee ($millions) | 5.7381% | 1,487 |
| Cash dividends to net income (ytd only)* | 43.1650% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 4,098 |
| Loan loss allowance to noncurrent loans | 1,317.3664% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 6,459 |
| Noncurrent loans to loans | 0.1074% | 6,216 |
| Net loans and leases to total assets | 57.3916% | 4,065 |
| Net loans and leases to deposits | 68.6956% | 3,875 |
| Net loans and leases to core deposits | 72.9078% | 3,928 |
| Total domestic deposits to total assets | 83.5448% | 4,524 |
| Equity capital to assets | 9.4137% | 4,979 |
| Core capital (leverage) ratio | 9.5944% | 3,973 |
| Tier 1 risk-based capital ratio | 11.9616% | 5,816 |
| Total risk-based capital ratio | 13.0532% | 5,872 |
| Memoranda: | ||
| Average total assets | $749,339,600 | 889 |
| Average earning assets | $695,851,200 | 868 |
| Average equity | $74,366,000 | 952 |
| Average total loans | $444,822,200 | 933 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 4,605 |
| Cost of funding earning assets | 0.7017% | 3,756 |
| Net interest margin | 3.5591% | 4,401 |
| Noninterest income to average assets | 0.8650% | 1,964 |
| Noninterest expense to average assets | 2.1700% | 6,020 |
| Loan and lease loss provision to assets | 0.1054% | 4,252 |
| Net operating income to assets | 1.8602% | 507 |
| Return on assets (ROA) | 1.9681% | 459 |
| Pretax return on assets | 2.0065% | 695 |
| Return on Equity (ROE) | 19.5422% | 358 |
| Retained earnings to average equity (ytd only) | 10.4856% | 790 |
| Net charge-offs to loans | 0.0372% | 5,127 |
| Credit loss provision to net charge-offs | 475.2066% | 565 |
| Earnings coverage of net charge-offs (x) | 90.2310% | 466 |
| Efficiency ratio | 51.8942% | 6,455 |
| Assets per employee ($millions) | 5.1818% | 1,954 |
| Cash dividends to net income (ytd only)* | 46.3437% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 4,193 |
| Loan loss allowance to noncurrent loans | 763.8952% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 6,430 |
| Noncurrent loans to loans | 0.1885% | 6,134 |
| Net loans and leases to total assets | 60.2629% | 3,721 |
| Net loans and leases to deposits | 73.6537% | 3,350 |
| Net loans and leases to core deposits | 78.0618% | 3,450 |
| Total domestic deposits to total assets | 81.8193% | 5,087 |
| Equity capital to assets | 10.1100% | 4,336 |
| Core capital (leverage) ratio | 9.8182% | 3,789 |
| Tier 1 risk-based capital ratio | 12.3878% | 5,711 |
| Total risk-based capital ratio | 13.5238% | 5,762 |
| Memoranda: | ||
| Average total assets | $727,234,000 | 917 |
| Average earning assets | $675,650,250 | 899 |
| Average equity | $73,241,500 | 969 |
| Average total loans | $434,100,750 | 967 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 4,604 |
| Cost of funding earning assets | 0.7101% | 3,937 |
| Net interest margin | 3.5827% | 4,336 |
| Noninterest income to average assets | 0.8688% | 1,892 |
| Noninterest expense to average assets | 2.2092% | 5,979 |
| Loan and lease loss provision to assets | 0.0489% | 5,065 |
| Net operating income to assets | 1.8983% | 461 |
| Return on assets (ROA) | 2.0161% | 440 |
| Pretax return on assets | 2.0552% | 630 |
| Return on Equity (ROE) | 20.0458% | 356 |
| Retained earnings to average equity (ytd only) | 9.6825% | 1,064 |
| Net charge-offs to loans | 0.0038% | 5,456 |
| Credit loss provision to net charge-offs | 2,187.5000% | 139 |
| Earnings coverage of net charge-offs (x) | 887.5000% | 39 |
| Efficiency ratio | 52.5590% | 6,454 |
| Assets per employee ($millions) | 5.0576% | 2,094 |
| Cash dividends to net income (ytd only)* | 51.6979% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 4,209 |
| Loan loss allowance to noncurrent loans | 1,749.0463% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 6,702 |
| Noncurrent loans to loans | 0.0835% | 6,451 |
| Net loans and leases to total assets | 58.6843% | 4,045 |
| Net loans and leases to deposits | 71.6416% | 3,664 |
| Net loans and leases to core deposits | 74.6523% | 3,938 |
| Total domestic deposits to total assets | 81.9138% | 5,165 |
| Equity capital to assets | 10.0189% | 4,303 |
| Core capital (leverage) ratio | 9.8810% | 3,607 |
| Tier 1 risk-based capital ratio | 12.5515% | 5,535 |
| Total risk-based capital ratio | 13.6886% | 5,592 |
| Memoranda: | ||
| Average total assets | $715,739,000 | 931 |
| Average earning assets | $664,134,000 | 917 |
| Average equity | $71,985,330 | 978 |
| Average total loans | $423,554,000 | 993 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 4,497 |
| Cost of funding earning assets | 0.7359% | 3,978 |
| Net interest margin | 3.6196% | 4,182 |
| Noninterest income to average assets | 0.7956% | 2,190 |
| Noninterest expense to average assets | 2.0812% | 6,305 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0353% | 392 |
| Return on assets (ROA) | 2.2334% | 325 |
| Pretax return on assets | 2.2737% | 473 |
| Return on Equity (ROE) | 22.1616% | 271 |
| Retained earnings to average equity (ytd only) | 11.6640% | 888 |
| Net charge-offs to loans | 0.0096% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 364.8000% | 85 |
| Efficiency ratio | 49.9795% | 6,677 |
| Assets per employee ($millions) | 4.8961% | 2,392 |
| Cash dividends to net income (ytd only)* | 47.3684% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 4,087 |
| Loan loss allowance to noncurrent loans | 1,319.6617% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 6,724 |
| Noncurrent loans to loans | 0.1147% | 6,469 |
| Net loans and leases to total assets | 56.8138% | 4,243 |
| Net loans and leases to deposits | 67.5933% | 4,133 |
| Net loans and leases to core deposits | 71.6330% | 4,205 |
| Total domestic deposits to total assets | 84.0525% | 4,462 |
| Equity capital to assets | 10.0934% | 4,010 |
| Core capital (leverage) ratio | 9.9531% | 3,423 |
| Tier 1 risk-based capital ratio | 13.8959% | 4,533 |
| Total risk-based capital ratio | 15.1446% | 4,520 |
| Memoranda: | ||
| Average total assets | $704,401,000 | 943 |
| Average earning assets | $653,327,000 | 931 |
| Average equity | $70,987,500 | 985 |
| Average total loans | $415,454,500 | 1,009 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 3,964 |
| Cost of funding earning assets | 0.9079% | 4,064 |
| Net interest margin | 3.8561% | 3,536 |
| Noninterest income to average assets | 0.7698% | 2,231 |
| Noninterest expense to average assets | 2.2896% | 6,064 |
| Loan and lease loss provision to assets | 0.1706% | 4,504 |
| Net operating income to assets | 1.8625% | 410 |
| Return on assets (ROA) | 1.8818% | 432 |
| Pretax return on assets | 1.9209% | 635 |
| Return on Equity (ROE) | 18.5428% | 345 |
| Retained earnings to average equity (ytd only) | 9.9593% | 578 |
| Net charge-offs to loans | 0.0175% | 6,194 |
| Credit loss provision to net charge-offs | 1,571.4286% | 140 |
| Earnings coverage of net charge-offs (x) | 190.7857% | 181 |
| Efficiency ratio | 52.3938% | 6,675 |
| Assets per employee ($millions) | 4.7860% | 2,468 |
| Cash dividends to net income (ytd only)* | 46.2902% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 4,054 |
| Loan loss allowance to noncurrent loans | 598.2775% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 6,569 |
| Noncurrent loans to loans | 0.2497% | 6,235 |
| Net loans and leases to total assets | 59.4106% | 4,110 |
| Net loans and leases to deposits | 70.8158% | 3,980 |
| Net loans and leases to core deposits | 75.3412% | 4,061 |
| Total domestic deposits to total assets | 83.8945% | 4,358 |
| Equity capital to assets | 10.0615% | 4,086 |
| Core capital (leverage) ratio | 9.9778% | 3,367 |
| Tier 1 risk-based capital ratio | 13.3405% | 4,814 |
| Total risk-based capital ratio | 14.5873% | 4,793 |
| Memoranda: | ||
| Average total assets | $644,607,800 | 1,005 |
| Average earning assets | $600,395,000 | 975 |
| Average equity | $65,416,400 | 1,031 |
| Average total loans | $399,599,400 | 1,066 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 3,960 |
| Cost of funding earning assets | 0.9524% | 4,024 |
| Net interest margin | 3.8619% | 3,563 |
| Noninterest income to average assets | 0.7433% | 2,350 |
| Noninterest expense to average assets | 2.2572% | 6,157 |
| Loan and lease loss provision to assets | 0.2320% | 3,692 |
| Net operating income to assets | 1.8193% | 498 |
| Return on assets (ROA) | 1.8329% | 528 |
| Pretax return on assets | 1.8681% | 834 |
| Return on Equity (ROE) | 18.0193% | 454 |
| Retained earnings to average equity (ytd only) | 8.3110% | 1,387 |
| Net charge-offs to loans | 0.0101% | 6,014 |
| Credit loss provision to net charge-offs | 3,666.6667% | 85 |
| Earnings coverage of net charge-offs (x) | 329.7585% | 112 |
| Efficiency ratio | 51.9687% | 6,678 |
| Assets per employee ($millions) | 4.7149% | 2,604 |
| Cash dividends to net income (ytd only)* | 53.8771% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 4,136 |
| Loan loss allowance to noncurrent loans | 344.2013% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 6,362 |
| Noncurrent loans to loans | 0.4336% | 5,972 |
| Net loans and leases to total assets | 63.3618% | 3,442 |
| Net loans and leases to deposits | 76.0535% | 3,322 |
| Net loans and leases to core deposits | 81.3109% | 3,438 |
| Total domestic deposits to total assets | 83.3122% | 4,556 |
| Equity capital to assets | 10.2324% | 4,044 |
| Core capital (leverage) ratio | 10.0894% | 3,322 |
| Tier 1 risk-based capital ratio | 13.2116% | 4,944 |
| Total risk-based capital ratio | 14.4610% | 4,919 |
| Memoranda: | ||
| Average total assets | $632,267,500 | 1,032 |
| Average earning assets | $589,394,000 | 1,006 |
| Average equity | $64,314,500 | 1,053 |
| Average total loans | $394,863,500 | 1,088 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8083% | 4,071 |
| Cost of funding earning assets | 0.9972% | 3,968 |
| Net interest margin | 3.8110% | 3,725 |
| Noninterest income to average assets | 0.7279% | 2,388 |
| Noninterest expense to average assets | 2.2336% | 6,293 |
| Loan and lease loss provision to assets | 0.0640% | 5,501 |
| Net operating income to assets | 1.9470% | 372 |
| Return on assets (ROA) | 1.9351% | 400 |
| Pretax return on assets | 1.9707% | 627 |
| Return on Equity (ROE) | 19.0634% | 381 |
| Retained earnings to average equity (ytd only) | 7.4449% | 1,680 |
| Net charge-offs to loans | 0.0098% | 5,715 |
| Credit loss provision to net charge-offs | 1,052.6316% | 320 |
| Earnings coverage of net charge-offs (x) | 336.4211% | 100 |
| Efficiency ratio | 52.1807% | 6,775 |
| Assets per employee ($millions) | 4.4547% | 2,920 |
| Cash dividends to net income (ytd only)* | 60.9465% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 4,756 |
| Loan loss allowance to noncurrent loans | 264.0762% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 6,302 |
| Noncurrent loans to loans | 0.5163% | 5,872 |
| Net loans and leases to total assets | 63.1311% | 3,656 |
| Net loans and leases to deposits | 75.3458% | 3,589 |
| Net loans and leases to core deposits | 79.2440% | 3,891 |
| Total domestic deposits to total assets | 83.7884% | 4,435 |
| Equity capital to assets | 10.4965% | 3,509 |
| Core capital (leverage) ratio | 10.0122% | 3,245 |
| Tier 1 risk-based capital ratio | 13.6446% | 4,421 |
| Total risk-based capital ratio | 14.8158% | 4,458 |
| Memoranda: | ||
| Average total assets | $624,564,670 | 1,059 |
| Average earning assets | $582,204,000 | 1,027 |
| Average equity | $63,399,000 | 1,065 |
| Average total loans | $385,968,000 | 1,134 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 4,651 |
| Cost of funding earning assets | 1.0154% | 4,086 |
| Net interest margin | 3.6534% | 4,311 |
| Noninterest income to average assets | 0.7359% | 2,349 |
| Noninterest expense to average assets | 2.0088% | 6,820 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1031% | 297 |
| Return on assets (ROA) | 2.0993% | 310 |
| Pretax return on assets | 2.1351% | 448 |
| Return on Equity (ROE) | 21.0348% | 290 |
| Retained earnings to average equity (ytd only) | 9.2650% | 1,303 |
| Net charge-offs to loans | -0.2038% | 7,260 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4317% | 7,100 |
| Assets per employee ($millions) | 4.7469% | 2,498 |
| Cash dividends to net income (ytd only)* | 55.9538% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 4,639 |
| Loan loss allowance to noncurrent loans | 418.5471% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 6,651 |
| Noncurrent loans to loans | 0.3358% | 6,322 |
| Net loans and leases to total assets | 59.7294% | 4,322 |
| Net loans and leases to deposits | 71.5173% | 4,133 |
| Net loans and leases to core deposits | 75.1118% | 4,413 |
| Total domestic deposits to total assets | 83.5175% | 4,695 |
| Equity capital to assets | 9.9812% | 3,798 |
| Core capital (leverage) ratio | 9.9895% | 3,153 |
| Tier 1 risk-based capital ratio | 13.6750% | 4,307 |
| Total risk-based capital ratio | 14.8690% | 4,314 |
| Memoranda: | ||
| Average total assets | $627,245,000 | 1,061 |
| Average earning assets | $585,761,000 | 1,029 |
| Average equity | $62,601,000 | 1,074 |
| Average total loans | $380,795,500 | 1,158 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2097% | 3,557 |
| Cost of funding earning assets | 1.2680% | 4,093 |
| Net interest margin | 3.9417% | 3,297 |
| Noninterest income to average assets | 0.9656% | 1,626 |
| Noninterest expense to average assets | 2.3707% | 6,166 |
| Loan and lease loss provision to assets | 0.1495% | 5,702 |
| Net operating income to assets | 2.0687% | 250 |
| Return on assets (ROA) | 2.0269% | 281 |
| Pretax return on assets | 2.0653% | 420 |
| Return on Equity (ROE) | 19.4854% | 283 |
| Retained earnings to average equity (ytd only) | 10.7236% | 413 |
| Net charge-offs to loans | 0.0362% | 6,441 |
| Credit loss provision to net charge-offs | 655.3846% | 322 |
| Earnings coverage of net charge-offs (x) | 98.9615% | 249 |
| Efficiency ratio | 51.2227% | 7,043 |
| Assets per employee ($millions) | 4.9472% | 2,223 |
| Cash dividends to net income (ytd only)* | 44.9658% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 4,572 |
| Loan loss allowance to noncurrent loans | 312.8820% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 6,575 |
| Noncurrent loans to loans | 0.4436% | 6,152 |
| Net loans and leases to total assets | 59.9968% | 4,681 |
| Net loans and leases to deposits | 71.9825% | 4,523 |
| Net loans and leases to core deposits | 75.5605% | 4,777 |
| Total domestic deposits to total assets | 83.3491% | 4,662 |
| Equity capital to assets | 9.9794% | 3,765 |
| Core capital (leverage) ratio | 10.2532% | 2,813 |
| Tier 1 risk-based capital ratio | 13.7678% | 4,007 |
| Total risk-based capital ratio | 14.9426% | 4,041 |
| Memoranda: | ||
| Average total assets | $569,882,400 | 1,179 |
| Average earning assets | $529,514,600 | 1,156 |
| Average equity | $59,280,200 | 1,121 |
| Average total loans | $359,185,400 | 1,250 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3028% | 3,343 |
| Cost of funding earning assets | 1.3226% | 4,090 |
| Net interest margin | 3.9802% | 3,184 |
| Noninterest income to average assets | 0.8388% | 2,035 |
| Noninterest expense to average assets | 2.2578% | 6,443 |
| Loan and lease loss provision to assets | 0.1559% | 5,481 |
| Net operating income to assets | 2.0841% | 296 |
| Return on assets (ROA) | 2.0295% | 347 |
| Pretax return on assets | 2.0635% | 542 |
| Return on Equity (ROE) | 19.2932% | 365 |
| Retained earnings to average equity (ytd only) | 11.6736% | 498 |
| Net charge-offs to loans | 0.0511% | 6,014 |
| Credit loss provision to net charge-offs | 479.4118% | 618 |
| Earnings coverage of net charge-offs (x) | 69.9775% | 430 |
| Efficiency ratio | 49.8101% | 7,167 |
| Assets per employee ($millions) | 4.6526% | 2,675 |
| Cash dividends to net income (ytd only)* | 39.4935% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 4,710 |
| Loan loss allowance to noncurrent loans | 295.9292% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 6,584 |
| Noncurrent loans to loans | 0.4560% | 6,274 |
| Net loans and leases to total assets | 64.0701% | 4,112 |
| Net loans and leases to deposits | 78.1384% | 3,804 |
| Net loans and leases to core deposits | 82.5307% | 4,160 |
| Total domestic deposits to total assets | 81.9956% | 4,991 |
| Equity capital to assets | 10.7274% | 3,257 |
| Core capital (leverage) ratio | 10.7521% | 2,467 |
| Tier 1 risk-based capital ratio | 13.9652% | 3,867 |
| Total risk-based capital ratio | 15.1249% | 3,905 |
| Memoranda: | ||
| Average total assets | $557,751,750 | 1,211 |
| Average earning assets | $517,649,000 | 1,196 |
| Average equity | $58,672,000 | 1,142 |
| Average total loans | $354,920,500 | 1,278 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3120% | 3,410 |
| Cost of funding earning assets | 1.3870% | 3,958 |
| Net interest margin | 3.9249% | 3,337 |
| Noninterest income to average assets | 0.7546% | 2,362 |
| Noninterest expense to average assets | 2.2720% | 6,429 |
| Loan and lease loss provision to assets | 0.2178% | 4,709 |
| Net operating income to assets | 1.8680% | 429 |
| Return on assets (ROA) | 1.8549% | 483 |
| Pretax return on assets | 1.8893% | 748 |
| Return on Equity (ROE) | 17.7544% | 488 |
| Retained earnings to average equity (ytd only) | 10.3694% | 773 |
| Net charge-offs to loans | 0.0269% | 5,954 |
| Credit loss provision to net charge-offs | 1,280.8511% | 306 |
| Earnings coverage of net charge-offs (x) | 124.7234% | 270 |
| Efficiency ratio | 51.7253% | 7,100 |
| Assets per employee ($millions) | 4.4864% | 2,905 |
| Cash dividends to net income (ytd only)* | 41.5952% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 4,231 |
| Loan loss allowance to noncurrent loans | 536.6242% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 6,906 |
| Noncurrent loans to loans | 0.2685% | 6,693 |
| Net loans and leases to total assets | 62.6669% | 4,541 |
| Net loans and leases to deposits | 75.8715% | 4,362 |
| Net loans and leases to core deposits | 80.1159% | 4,680 |
| Total domestic deposits to total assets | 82.5962% | 4,742 |
| Equity capital to assets | 10.7446% | 3,132 |
| Core capital (leverage) ratio | 10.5239% | 2,612 |
| Tier 1 risk-based capital ratio | 14.2903% | 3,552 |
| Total risk-based capital ratio | 15.5302% | 3,529 |
| Memoranda: | ||
| Average total assets | $552,911,670 | 1,229 |
| Average earning assets | $512,465,670 | 1,209 |
| Average equity | $57,766,000 | 1,147 |
| Average total loans | $349,337,000 | 1,318 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2753% | 3,665 |
| Cost of funding earning assets | 1.4697% | 3,740 |
| Net interest margin | 3.8056% | 3,776 |
| Noninterest income to average assets | 0.6982% | 2,612 |
| Noninterest expense to average assets | 2.1415% | 6,834 |
| Loan and lease loss provision to assets | 0.2183% | 4,316 |
| Net operating income to assets | 1.8283% | 467 |
| Return on assets (ROA) | 1.8516% | 490 |
| Pretax return on assets | 1.8863% | 752 |
| Return on Equity (ROE) | 17.9778% | 517 |
| Retained earnings to average equity (ytd only) | 11.5712% | 818 |
| Net charge-offs to loans | -0.0092% | 6,874 |
| Credit loss provision to net charge-offs | -3,775.0000% | 6,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7189% | 7,264 |
| Assets per employee ($millions) | 4.6784% | 2,676 |
| Cash dividends to net income (ytd only)* | 35.6362% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 4,503 |
| Loan loss allowance to noncurrent loans | 436.8756% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 6,935 |
| Noncurrent loans to loans | 0.3165% | 6,674 |
| Net loans and leases to total assets | 62.6687% | 4,618 |
| Net loans and leases to deposits | 76.7495% | 4,273 |
| Net loans and leases to core deposits | 81.0077% | 4,623 |
| Total domestic deposits to total assets | 81.6535% | 5,215 |
| Equity capital to assets | 10.5606% | 3,186 |
| Core capital (leverage) ratio | 10.3820% | 2,735 |
| Tier 1 risk-based capital ratio | 14.1928% | 3,536 |
| Total risk-based capital ratio | 15.3922% | 3,535 |
| Memoranda: | ||
| Average total assets | $553,456,500 | 1,254 |
| Average earning assets | $512,502,000 | 1,241 |
| Average equity | $57,003,500 | 1,162 |
| Average total loans | $348,573,000 | 1,359 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6546% | 3,330 |
| Cost of funding earning assets | 1.9443% | 3,239 |
| Net interest margin | 3.7102% | 4,091 |
| Noninterest income to average assets | 0.6295% | 3,427 |
| Noninterest expense to average assets | 2.2309% | 6,915 |
| Loan and lease loss provision to assets | 0.3558% | 4,670 |
| Net operating income to assets | 1.4519% | 756 |
| Return on assets (ROA) | 1.4230% | 865 |
| Pretax return on assets | 1.4582% | 1,294 |
| Return on Equity (ROE) | 14.5415% | 711 |
| Retained earnings to average equity (ytd only) | 10.5460% | 320 |
| Net charge-offs to loans | 0.1176% | 5,997 |
| Credit loss provision to net charge-offs | 471.8519% | 654 |
| Earnings coverage of net charge-offs (x) | 24.4469% | 904 |
| Efficiency ratio | 54.7548% | 7,156 |
| Assets per employee ($millions) | 4.7824% | 2,499 |
| Cash dividends to net income (ytd only)* | 27.4761% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 4,826 |
| Loan loss allowance to noncurrent loans | 442.4779% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 6,995 |
| Noncurrent loans to loans | 0.2912% | 6,698 |
| Net loans and leases to total assets | 61.6229% | 5,073 |
| Net loans and leases to deposits | 78.8241% | 4,211 |
| Net loans and leases to core deposits | 91.7308% | 4,924 |
| Total domestic deposits to total assets | 78.1777% | 6,179 |
| Equity capital to assets | 10.0442% | 3,699 |
| Core capital (leverage) ratio | 10.1800% | 2,910 |
| Tier 1 risk-based capital ratio | 13.8110% | 3,626 |
| Total risk-based capital ratio | 14.9355% | 3,631 |
| Memoranda: | ||
| Average total assets | $537,094,400 | 1,286 |
| Average earning assets | $498,676,200 | 1,262 |
| Average equity | $52,560,000 | 1,258 |
| Average total loans | $344,396,400 | 1,406 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7056% | 3,313 |
| Cost of funding earning assets | 2.0450% | 3,141 |
| Net interest margin | 3.6606% | 4,233 |
| Noninterest income to average assets | 0.6257% | 3,522 |
| Noninterest expense to average assets | 2.1429% | 7,110 |
| Loan and lease loss provision to assets | 0.4034% | 3,899 |
| Net operating income to assets | 1.4486% | 917 |
| Return on assets (ROA) | 1.4405% | 1,001 |
| Pretax return on assets | 1.4758% | 1,485 |
| Return on Equity (ROE) | 14.8225% | 796 |
| Retained earnings to average equity (ytd only) | 10.9556% | 478 |
| Net charge-offs to loans | 0.1138% | 5,543 |
| Credit loss provision to net charge-offs | 548.8055% | 715 |
| Earnings coverage of net charge-offs (x) | 25.6790% | 1,044 |
| Efficiency ratio | 53.1682% | 7,323 |
| Assets per employee ($millions) | 4.7370% | 2,495 |
| Cash dividends to net income (ytd only)* | 26.0884% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 4,795 |
| Loan loss allowance to noncurrent loans | 157.5503% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 6,176 |
| Noncurrent loans to loans | 0.7958% | 5,705 |
| Net loans and leases to total assets | 63.9694% | 4,878 |
| Net loans and leases to deposits | 83.8024% | 3,682 |
| Net loans and leases to core deposits | 98.7543% | 4,516 |
| Total domestic deposits to total assets | 76.3335% | 6,519 |
| Equity capital to assets | 10.1983% | 3,846 |
| Core capital (leverage) ratio | 9.9896% | 3,298 |
| Tier 1 risk-based capital ratio | 13.4217% | 3,909 |
| Total risk-based capital ratio | 14.5136% | 3,958 |
| Memoranda: | ||
| Average total assets | $531,483,250 | 1,308 |
| Average earning assets | $494,334,500 | 1,288 |
| Average equity | $51,649,750 | 1,310 |
| Average total loans | $343,169,500 | 1,424 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7210% | 3,430 |
| Cost of funding earning assets | 2.1342% | 3,112 |
| Net interest margin | 3.5867% | 4,421 |
| Noninterest income to average assets | 0.5946% | 3,741 |
| Noninterest expense to average assets | 2.1708% | 7,119 |
| Loan and lease loss provision to assets | 0.3783% | 3,656 |
| Net operating income to assets | 1.3456% | 1,130 |
| Return on assets (ROA) | 1.3317% | 1,229 |
| Pretax return on assets | 1.3671% | 1,814 |
| Return on Equity (ROE) | 13.9324% | 1,003 |
| Retained earnings to average equity (ytd only) | 9.2148% | 890 |
| Net charge-offs to loans | 0.1061% | 5,100 |
| Credit loss provision to net charge-offs | 552.7473% | 840 |
| Earnings coverage of net charge-offs (x) | 25.7088% | 1,110 |
| Efficiency ratio | 55.2292% | 7,202 |
| Assets per employee ($millions) | 4.6498% | 2,526 |
| Cash dividends to net income (ytd only)* | 33.8605% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,388 |
| Loan loss allowance to noncurrent loans | 80.7359% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 5,173 |
| Noncurrent loans to loans | 1.3998% | 4,412 |
| Net loans and leases to total assets | 63.5709% | 5,068 |
| Net loans and leases to deposits | 83.9342% | 3,889 |
| Net loans and leases to core deposits | 99.1037% | 4,590 |
| Total domestic deposits to total assets | 75.7390% | 6,606 |
| Equity capital to assets | 9.9151% | 4,061 |
| Core capital (leverage) ratio | 9.6894% | 3,645 |
| Tier 1 risk-based capital ratio | 13.3222% | 3,922 |
| Total risk-based capital ratio | 14.3183% | 4,014 |
| Memoranda: | ||
| Average total assets | $531,797,670 | 1,321 |
| Average earning assets | $494,601,670 | 1,312 |
| Average equity | $50,831,000 | 1,348 |
| Average total loans | $342,995,330 | 1,457 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6140% | 4,265 |
| Cost of funding earning assets | 2.2334% | 3,000 |
| Net interest margin | 3.3807% | 5,211 |
| Noninterest income to average assets | 0.5653% | 3,790 |
| Noninterest expense to average assets | 1.9395% | 7,466 |
| Loan and lease loss provision to assets | 0.3021% | 3,529 |
| Net operating income to assets | 1.4230% | 1,090 |
| Return on assets (ROA) | 1.3937% | 1,244 |
| Pretax return on assets | 1.4288% | 1,887 |
| Return on Equity (ROE) | 14.8532% | 1,001 |
| Retained earnings to average equity (ytd only) | 7.6895% | 1,935 |
| Net charge-offs to loans | 0.1678% | 3,626 |
| Credit loss provision to net charge-offs | 278.6207% | 1,721 |
| Earnings coverage of net charge-offs (x) | 16.2414% | 1,562 |
| Efficiency ratio | 52.4146% | 7,370 |
| Assets per employee ($millions) | 4.6828% | 2,461 |
| Cash dividends to net income (ytd only)* | 48.2296% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 6,417 |
| Loan loss allowance to noncurrent loans | 108.9053% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5673% | 5,770 |
| Noncurrent loans to loans | 0.8839% | 5,238 |
| Net loans and leases to total assets | 63.2500% | 5,114 |
| Net loans and leases to deposits | 83.8510% | 4,010 |
| Net loans and leases to core deposits | 99.0474% | 4,636 |
| Total domestic deposits to total assets | 75.4315% | 6,614 |
| Equity capital to assets | 9.5699% | 4,571 |
| Core capital (leverage) ratio | 9.2179% | 4,379 |
| Tier 1 risk-based capital ratio | 12.7214% | 4,373 |
| Total risk-based capital ratio | 13.5542% | 4,621 |
| Memoranda: | ||
| Average total assets | $534,980,500 | 1,323 |
| Average earning assets | $496,113,500 | 1,305 |
| Average equity | $50,198,000 | 1,370 |
| Average total loans | $345,573,000 | 1,457 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3159% | 3,875 |
| Cost of funding earning assets | 2.9098% | 2,224 |
| Net interest margin | 3.4062% | 5,635 |
| Noninterest income to average assets | 0.7433% | 2,822 |
| Noninterest expense to average assets | 2.1974% | 6,971 |
| Loan and lease loss provision to assets | 0.5008% | 2,808 |
| Net operating income to assets | 1.1418% | 1,979 |
| Return on assets (ROA) | 1.0735% | 2,158 |
| Pretax return on assets | 1.1086% | 2,999 |
| Return on Equity (ROE) | 11.6051% | 1,712 |
| Retained earnings to average equity (ytd only) | 4.5945% | 2,270 |
| Net charge-offs to loans | 0.6076% | 2,016 |
| Credit loss provision to net charge-offs | 121.3942% | 4,420 |
| Earnings coverage of net charge-offs (x) | 4.0721% | 4,114 |
| Efficiency ratio | 56.6752% | 6,916 |
| Assets per employee ($millions) | 4.6223% | 2,442 |
| Cash dividends to net income (ytd only)* | 60.4101% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8477% | 6,909 |
| Loan loss allowance to noncurrent loans | 551.3812% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 7,160 |
| Noncurrent loans to loans | 0.1537% | 6,949 |
| Net loans and leases to total assets | 64.7567% | 5,117 |
| Net loans and leases to deposits | 89.0419% | 3,628 |
| Net loans and leases to core deposits | 105.2134% | 4,275 |
| Total domestic deposits to total assets | 72.7262% | 6,878 |
| Equity capital to assets | 9.2004% | 5,080 |
| Core capital (leverage) ratio | 9.2872% | 4,315 |
| Tier 1 risk-based capital ratio | 12.1560% | 4,705 |
| Total risk-based capital ratio | 12.9030% | 4,990 |
| Memoranda: | ||
| Average total assets | $504,234,000 | 1,341 |
| Average earning assets | $463,921,000 | 1,344 |
| Average equity | $46,643,200 | 1,465 |
| Average total loans | $342,320,600 | 1,419 |