Home > Five Star Bank > Performance and Condition Ratios
Five Star Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7420% | 1,591 |
| Cost of funding earning assets | 2.1891% | 1,467 |
| Net interest margin | 3.5529% | 2,178 |
| Noninterest income to average assets | 0.1200% | 4,037 |
| Noninterest expense to average assets | 1.4143% | 4,260 |
| Loan and lease loss provision to assets | 0.1800% | 680 |
| Net operating income to assets | 1.3920% | 1,270 |
| Return on assets (ROA) | 1.3920% | 1,270 |
| Pretax return on assets | 1.9551% | 750 |
| Return on Equity (ROE) | 12.5900% | 1,591 |
| Retained earnings to average equity (ytd only) | 4.5081% | 2,707 |
| Net charge-offs to loans | 0.0800% | 943 |
| Credit loss provision to net charge-offs | 300.2793% | 711 |
| Earnings coverage of net charge-offs (x) | 30.9707% | 1,219 |
| Efficiency ratio | 39.8105% | 4,290 |
| Assets per employee ($millions) | 20.4007% | 97 |
| Cash dividends to net income (ytd only)* | 64.1912% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 2,800 |
| Loan loss allowance to noncurrent loans | 2,222.3229% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 3,379 |
| Noncurrent loans to loans | 0.0487% | 3,431 |
| Net loans and leases to total assets | 84.4900% | 218 |
| Net loans and leases to deposits | 95.7032% | 645 |
| Net loans and leases to core deposits | 120.7082% | 532 |
| Total domestic deposits to total assets | 88.2800% | 1,456 |
| Equity capital to assets | 10.8779% | 1,725 |
| Core capital (leverage) ratio | 11.5183% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4955% | 2,042 |
| Memoranda: | ||
| Average total assets | $4,148,076,000 | 332 |
| Average earning assets | $4,010,360,000 | 310 |
| Average equity | $458,640,000 | 318 |
| Average total loans | $3,580,210,500 | 285 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8091% | 1,570 |
| Cost of funding earning assets | 2.2952% | 1,541 |
| Net interest margin | 3.5139% | 2,045 |
| Noninterest income to average assets | 0.1200% | 4,121 |
| Noninterest expense to average assets | 1.3913% | 4,310 |
| Loan and lease loss provision to assets | 0.1900% | 718 |
| Net operating income to assets | 1.3640% | 1,140 |
| Return on assets (ROA) | 1.3640% | 1,138 |
| Pretax return on assets | 1.9317% | 665 |
| Return on Equity (ROE) | 12.4400% | 1,506 |
| Retained earnings to average equity (ytd only) | 7.0016% | 1,429 |
| Net charge-offs to loans | 0.1241% | 1,020 |
| Credit loss provision to net charge-offs | 182.1071% | 1,218 |
| Earnings coverage of net charge-offs (x) | 19.2992% | 1,859 |
| Efficiency ratio | 39.6439% | 4,329 |
| Assets per employee ($millions) | 19.8667% | 107 |
| Cash dividends to net income (ytd only)* | 43.7108% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 2,848 |
| Loan loss allowance to noncurrent loans | 2,101.7798% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 3,342 |
| Noncurrent loans to loans | 0.0508% | 3,386 |
| Net loans and leases to total assets | 86.3100% | 135 |
| Net loans and leases to deposits | 98.0754% | 580 |
| Net loans and leases to core deposits | 119.6817% | 611 |
| Total domestic deposits to total assets | 88.0100% | 1,513 |
| Equity capital to assets | 11.2438% | 1,482 |
| Core capital (leverage) ratio | 11.5031% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5828% | 2,020 |
| Memoranda: | ||
| Average total assets | $3,727,413,200 | 352 |
| Average earning assets | $3,598,546,800 | 333 |
| Average equity | $408,733,400 | 332 |
| Average total loans | $3,295,715,400 | 296 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7125% | 1,694 |
| Cost of funding earning assets | 2.2552% | 1,620 |
| Net interest margin | 3.4574% | 2,119 |
| Noninterest income to average assets | 0.1200% | 4,140 |
| Noninterest expense to average assets | 1.3902% | 4,334 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 1.3247% | 1,272 |
| Return on assets (ROA) | 1.3247% | 1,271 |
| Pretax return on assets | 1.8586% | 800 |
| Return on Equity (ROE) | 12.1700% | 1,568 |
| Retained earnings to average equity (ytd only) | 6.2693% | 2,001 |
| Net charge-offs to loans | 0.1153% | 892 |
| Credit loss provision to net charge-offs | 212.6519% | 1,044 |
| Earnings coverage of net charge-offs (x) | 20.1844% | 1,743 |
| Efficiency ratio | 40.2326% | 4,334 |
| Assets per employee ($millions) | 19.7289% | 110 |
| Cash dividends to net income (ytd only)* | 48.4707% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 2,832 |
| Loan loss allowance to noncurrent loans | 2,041.4449% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,384 |
| Noncurrent loans to loans | 0.0532% | 3,436 |
| Net loans and leases to total assets | 88.1500% | 67 |
| Net loans and leases to deposits | 100.4996% | 465 |
| Net loans and leases to core deposits | 116.4177% | 716 |
| Total domestic deposits to total assets | 87.7100% | 1,332 |
| Equity capital to assets | 11.5366% | 1,460 |
| Core capital (leverage) ratio | 12.4082% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5154% | 2,072 |
| Memoranda: | ||
| Average total assets | $3,646,063,500 | 350 |
| Average earning assets | $3,517,773,750 | 334 |
| Average equity | $396,993,750 | 335 |
| Average total loans | $3,235,661,000 | 294 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6676% | 1,654 |
| Cost of funding earning assets | 2.2297% | 1,585 |
| Net interest margin | 3.4379% | 2,095 |
| Noninterest income to average assets | 0.1300% | 4,102 |
| Noninterest expense to average assets | 1.3960% | 4,339 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 1.3459% | 1,174 |
| Return on assets (ROA) | 1.3459% | 1,188 |
| Pretax return on assets | 1.8944% | 749 |
| Return on Equity (ROE) | 12.6300% | 1,460 |
| Retained earnings to average equity (ytd only) | 7.0978% | 1,625 |
| Net charge-offs to loans | 0.1282% | 749 |
| Credit loss provision to net charge-offs | 148.1481% | 1,226 |
| Earnings coverage of net charge-offs (x) | 18.1116% | 1,683 |
| Efficiency ratio | 40.4272% | 4,349 |
| Assets per employee ($millions) | 18.8280% | 110 |
| Cash dividends to net income (ytd only)* | 43.8198% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 2,884 |
| Loan loss allowance to noncurrent loans | 1,881.2965% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 3,310 |
| Noncurrent loans to loans | 0.0575% | 3,370 |
| Net loans and leases to total assets | 89.0600% | 47 |
| Net loans and leases to deposits | 102.4510% | 430 |
| Net loans and leases to core deposits | 113.5635% | 842 |
| Total domestic deposits to total assets | 86.9300% | 1,677 |
| Equity capital to assets | 12.1276% | 1,127 |
| Core capital (leverage) ratio | 12.7647% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0149% | 1,880 |
| Memoranda: | ||
| Average total assets | $3,565,886,000 | 355 |
| Average earning assets | $3,442,602,000 | 338 |
| Average equity | $379,864,667 | 345 |
| Average total loans | $3,159,723,000 | 302 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6364% | 1,571 |
| Cost of funding earning assets | 2.3035% | 1,331 |
| Net interest margin | 3.3329% | 2,265 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 1.3662% | 4,378 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 1.3483% | 1,150 |
| Return on assets (ROA) | 1.3483% | 1,160 |
| Pretax return on assets | 1.8998% | 718 |
| Return on Equity (ROE) | 13.6300% | 1,209 |
| Retained earnings to average equity (ytd only) | 6.8153% | 1,885 |
| Net charge-offs to loans | 0.1067% | 695 |
| Credit loss provision to net charge-offs | 126.8116% | 1,018 |
| Earnings coverage of net charge-offs (x) | 21.3466% | 1,332 |
| Efficiency ratio | 40.5643% | 4,339 |
| Assets per employee ($millions) | 18.4901% | 125 |
| Cash dividends to net income (ytd only)* | 49.9874% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 2,747 |
| Loan loss allowance to noncurrent loans | 1,806.7258% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,301 |
| Noncurrent loans to loans | 0.0616% | 3,324 |
| Net loans and leases to total assets | 88.6000% | 64 |
| Net loans and leases to deposits | 103.8767% | 343 |
| Net loans and leases to core deposits | 114.0191% | 810 |
| Total domestic deposits to total assets | 85.2900% | 2,329 |
| Equity capital to assets | 10.1288% | 1,931 |
| Core capital (leverage) ratio | 10.3289% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9443% | 2,598 |
| Memoranda: | ||
| Average total assets | $3,531,924,500 | 361 |
| Average earning assets | $3,409,769,000 | 343 |
| Average equity | $349,449,500 | 372 |
| Average total loans | $3,103,778,000 | 307 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 1,482 |
| Cost of funding earning assets | 1.7741% | 1,294 |
| Net interest margin | 3.5344% | 2,112 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.3235% | 4,429 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.5425% | 949 |
| Return on assets (ROA) | 1.5387% | 921 |
| Pretax return on assets | 2.1563% | 523 |
| Return on Equity (ROE) | 15.9100% | 1,112 |
| Retained earnings to average equity (ytd only) | 9.9743% | 1,022 |
| Net charge-offs to loans | 0.1083% | 859 |
| Credit loss provision to net charge-offs | 124.4514% | 1,639 |
| Earnings coverage of net charge-offs (x) | 24.4292% | 1,761 |
| Efficiency ratio | 36.7485% | 4,423 |
| Assets per employee ($millions) | 18.9826% | 113 |
| Cash dividends to net income (ytd only)* | 37.3186% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 2,770 |
| Loan loss allowance to noncurrent loans | 1,752.2137% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 3,223 |
| Noncurrent loans to loans | 0.0635% | 3,257 |
| Net loans and leases to total assets | 85.2600% | 194 |
| Net loans and leases to deposits | 100.7481% | 496 |
| Net loans and leases to core deposits | 118.0211% | 687 |
| Total domestic deposits to total assets | 84.6200% | 2,426 |
| Equity capital to assets | 9.6666% | 2,227 |
| Core capital (leverage) ratio | 10.5233% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9341% | 2,605 |
| Memoranda: | ||
| Average total assets | $3,420,837,000 | 358 |
| Average earning assets | $3,317,547,400 | 337 |
| Average equity | $330,778,600 | 363 |
| Average total loans | $2,946,062,800 | 305 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2613% | 1,339 |
| Cost of funding earning assets | 1.6472% | 1,286 |
| Net interest margin | 3.6140% | 1,964 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.3091% | 4,442 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.6085% | 931 |
| Return on assets (ROA) | 1.6085% | 921 |
| Pretax return on assets | 2.2446% | 529 |
| Return on Equity (ROE) | 16.6300% | 1,145 |
| Retained earnings to average equity (ytd only) | 10.0268% | 1,392 |
| Net charge-offs to loans | 0.1143% | 699 |
| Credit loss provision to net charge-offs | 115.1223% | 1,518 |
| Earnings coverage of net charge-offs (x) | 24.1019% | 1,717 |
| Efficiency ratio | 35.5736% | 4,454 |
| Assets per employee ($millions) | 17.9502% | 120 |
| Cash dividends to net income (ytd only)* | 39.7194% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 2,737 |
| Loan loss allowance to noncurrent loans | 1,699.7003% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 3,239 |
| Noncurrent loans to loans | 0.0663% | 3,282 |
| Net loans and leases to total assets | 85.2900% | 193 |
| Net loans and leases to deposits | 98.1450% | 608 |
| Net loans and leases to core deposits | 113.2381% | 762 |
| Total domestic deposits to total assets | 86.9000% | 1,918 |
| Equity capital to assets | 9.5485% | 2,069 |
| Core capital (leverage) ratio | 10.3714% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9654% | 2,619 |
| Memoranda: | ||
| Average total assets | $3,379,117,000 | 365 |
| Average earning assets | $3,279,344,250 | 344 |
| Average equity | $326,771,000 | 369 |
| Average total loans | $2,909,282,750 | 309 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 1,245 |
| Cost of funding earning assets | 1.4847% | 1,270 |
| Net interest margin | 3.6897% | 1,838 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.3083% | 4,469 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.7024% | 776 |
| Return on assets (ROA) | 1.7024% | 777 |
| Pretax return on assets | 2.3511% | 434 |
| Return on Equity (ROE) | 17.5300% | 1,014 |
| Retained earnings to average equity (ytd only) | 11.5195% | 1,072 |
| Net charge-offs to loans | 0.1035% | 665 |
| Credit loss provision to net charge-offs | 122.3941% | 1,323 |
| Earnings coverage of net charge-offs (x) | 27.8406% | 1,588 |
| Efficiency ratio | 34.5357% | 4,496 |
| Assets per employee ($millions) | 17.4281% | 130 |
| Cash dividends to net income (ytd only)* | 34.2764% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 2,673 |
| Loan loss allowance to noncurrent loans | 11,841.1150% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 3,767 |
| Noncurrent loans to loans | 0.0098% | 3,717 |
| Net loans and leases to total assets | 85.3900% | 185 |
| Net loans and leases to deposits | 98.7460% | 572 |
| Net loans and leases to core deposits | 112.3727% | 738 |
| Total domestic deposits to total assets | 86.4700% | 2,099 |
| Equity capital to assets | 9.7480% | 2,004 |
| Core capital (leverage) ratio | 10.5760% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0803% | 2,604 |
| Memoranda: | ||
| Average total assets | $3,338,727,667 | 356 |
| Average earning assets | $3,240,395,000 | 335 |
| Average equity | $324,286,000 | 362 |
| Average total loans | $2,872,625,000 | 300 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 1,034 |
| Cost of funding earning assets | 0.4008% | 2,098 |
| Net interest margin | 3.9071% | 942 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.3075% | 4,553 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.7030% | 536 |
| Return on assets (ROA) | 1.7032% | 508 |
| Pretax return on assets | 2.3996% | 231 |
| Return on Equity (ROE) | 17.7800% | 737 |
| Retained earnings to average equity (ytd only) | 11.9012% | 689 |
| Net charge-offs to loans | 0.0657% | 990 |
| Credit loss provision to net charge-offs | 431.1454% | 746 |
| Earnings coverage of net charge-offs (x) | 48.9891% | 1,379 |
| Efficiency ratio | 33.1985% | 4,631 |
| Assets per employee ($millions) | 17.8125% | 122 |
| Cash dividends to net income (ytd only)* | 33.0763% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,286 |
| Loan loss allowance to noncurrent loans | 7,026.9802% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,754 |
| Noncurrent loans to loans | 0.0144% | 3,734 |
| Net loans and leases to total assets | 85.9900% | 157 |
| Net loans and leases to deposits | 99.3429% | 466 |
| Net loans and leases to core deposits | 118.3486% | 397 |
| Total domestic deposits to total assets | 86.5600% | 2,550 |
| Equity capital to assets | 9.8205% | 1,810 |
| Core capital (leverage) ratio | 10.6854% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1424% | 2,690 |
| Memoranda: | ||
| Average total assets | $2,893,598,800 | 406 |
| Average earning assets | $2,771,141,600 | 387 |
| Average equity | $277,130,800 | 405 |
| Average total loans | $2,364,781,200 | 329 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 1,169 |
| Cost of funding earning assets | 0.2205% | 3,032 |
| Net interest margin | 3.8253% | 910 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.3276% | 4,564 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 1.6318% | 614 |
| Return on assets (ROA) | 1.6320% | 599 |
| Pretax return on assets | 2.2861% | 281 |
| Return on Equity (ROE) | 17.1600% | 763 |
| Retained earnings to average equity (ytd only) | 10.3233% | 1,248 |
| Net charge-offs to loans | 0.0505% | 974 |
| Credit loss provision to net charge-offs | 637.4269% | 542 |
| Earnings coverage of net charge-offs (x) | 62.7392% | 1,150 |
| Efficiency ratio | 34.2880% | 4,663 |
| Assets per employee ($millions) | 17.3632% | 139 |
| Cash dividends to net income (ytd only)* | 39.8582% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 3,130 |
| Loan loss allowance to noncurrent loans | 6,489.0443% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,829 |
| Noncurrent loans to loans | 0.0165% | 3,804 |
| Net loans and leases to total assets | 83.5000% | 284 |
| Net loans and leases to deposits | 96.7415% | 514 |
| Net loans and leases to core deposits | 105.3300% | 604 |
| Total domestic deposits to total assets | 86.3100% | 2,982 |
| Equity capital to assets | 9.8173% | 1,716 |
| Core capital (leverage) ratio | 10.7994% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5070% | 2,652 |
| Memoranda: | ||
| Average total assets | $2,810,981,250 | 415 |
| Average earning assets | $2,681,583,000 | 396 |
| Average equity | $267,258,750 | 422 |
| Average total loans | $2,255,791,000 | 339 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8261% | 1,260 |
| Cost of funding earning assets | 0.1217% | 3,941 |
| Net interest margin | 3.7044% | 905 |
| Noninterest income to average assets | 0.2630% | 3,595 |
| Noninterest expense to average assets | 1.3665% | 4,555 |
| Loan and lease loss provision to assets | 0.2350% | 323 |
| Net operating income to assets | 1.5605% | 609 |
| Return on assets (ROA) | 1.5608% | 592 |
| Pretax return on assets | 2.1747% | 259 |
| Return on Equity (ROE) | 16.6194% | 621 |
| Retained earnings to average equity (ytd only) | 8.3097% | 1,507 |
| Net charge-offs to loans | 0.0613% | 789 |
| Credit loss provision to net charge-offs | 487.0624% | 640 |
| Earnings coverage of net charge-offs (x) | 49.9376% | 1,159 |
| Efficiency ratio | 36.1904% | 4,677 |
| Assets per employee ($millions) | 15.5855% | 179 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,249 |
| Loan loss allowance to noncurrent loans | 5,833.9367% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,862 |
| Noncurrent loans to loans | 0.0185% | 3,828 |
| Net loans and leases to total assets | 83.4709% | 207 |
| Net loans and leases to deposits | 94.4824% | 497 |
| Net loans and leases to core deposits | 102.1290% | 583 |
| Total domestic deposits to total assets | 88.3455% | 2,442 |
| Equity capital to assets | 9.0240% | 2,373 |
| Core capital (leverage) ratio | 9.6381% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5517% | 2,914 |
| Memoranda: | ||
| Average total assets | $2,723,545,667 | 418 |
| Average earning assets | $2,582,589,667 | 406 |
| Average equity | $255,773,333 | 439 |
| Average total loans | $2,143,057,333 | 348 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6794% | 1,318 |
| Cost of funding earning assets | 0.0865% | 4,286 |
| Net interest margin | 3.5929% | 909 |
| Noninterest income to average assets | 0.2790% | 3,470 |
| Noninterest expense to average assets | 1.3530% | 4,576 |
| Loan and lease loss provision to assets | 0.1425% | 563 |
| Net operating income to assets | 1.5832% | 532 |
| Return on assets (ROA) | 1.5838% | 528 |
| Pretax return on assets | 2.1777% | 264 |
| Return on Equity (ROE) | 16.5210% | 475 |
| Retained earnings to average equity (ytd only) | 4.7248% | 2,693 |
| Net charge-offs to loans | 0.0573% | 735 |
| Credit loss provision to net charge-offs | 328.7197% | 642 |
| Earnings coverage of net charge-offs (x) | 53.5121% | 903 |
| Efficiency ratio | 36.8415% | 4,693 |
| Assets per employee ($millions) | 15.6892% | 179 |
| Cash dividends to net income (ytd only)* | 71.4015% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,135 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 3,562 |
| Noncurrent loans to loans | 0.0635% | 3,538 |
| Net loans and leases to total assets | 74.4200% | 631 |
| Net loans and leases to deposits | 82.4171% | 983 |
| Net loans and leases to core deposits | 87.7681% | 1,031 |
| Total domestic deposits to total assets | 90.2968% | 1,386 |
| Equity capital to assets | 9.1427% | 2,585 |
| Core capital (leverage) ratio | 9.8946% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8302% | 2,665 |
| Memoranda: | ||
| Average total assets | $2,667,033,500 | 433 |
| Average earning assets | $2,518,989,500 | 418 |
| Average equity | $255,674,500 | 445 |
| Average total loans | $2,017,837,500 | 360 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 1,767 |
| Cost of funding earning assets | 0.1022% | 4,368 |
| Net interest margin | 3.7380% | 1,124 |
| Noninterest income to average assets | 0.2416% | 3,930 |
| Noninterest expense to average assets | 1.4220% | 4,610 |
| Loan and lease loss provision to assets | 0.0744% | 1,620 |
| Net operating income to assets | 2.0275% | 323 |
| Return on assets (ROA) | 2.0558% | 321 |
| Pretax return on assets | 2.2974% | 347 |
| Return on Equity (ROE) | 22.0594% | 216 |
| Retained earnings to average equity (ytd only) | 9.0802% | 1,172 |
| Net charge-offs to loans | 0.0389% | 1,478 |
| Credit loss provision to net charge-offs | 263.1579% | 1,138 |
| Earnings coverage of net charge-offs (x) | 82.7477% | 975 |
| Efficiency ratio | 37.7989% | 4,726 |
| Assets per employee ($millions) | 16.2871% | 168 |
| Cash dividends to net income (ytd only)* | 58.8373% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,908 |
| Loan loss allowance to noncurrent loans | 3,959.6252% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 3,897 |
| Noncurrent loans to loans | 0.0302% | 3,857 |
| Net loans and leases to total assets | 75.1597% | 577 |
| Net loans and leases to deposits | 83.8694% | 910 |
| Net loans and leases to core deposits | 86.8196% | 1,152 |
| Total domestic deposits to total assets | 89.6152% | 1,160 |
| Equity capital to assets | 10.0684% | 2,592 |
| Core capital (leverage) ratio | 10.3823% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6918% | 2,364 |
| Memoranda: | ||
| Average total assets | $2,284,316,200 | 466 |
| Average earning assets | $2,151,431,400 | 458 |
| Average equity | $212,879,800 | 510 |
| Average total loans | $1,659,490,200 | 421 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 1,964 |
| Cost of funding earning assets | 0.1112% | 4,416 |
| Net interest margin | 3.7143% | 1,310 |
| Noninterest income to average assets | 0.2417% | 3,948 |
| Noninterest expense to average assets | 1.4336% | 4,658 |
| Loan and lease loss provision to assets | 0.0120% | 2,749 |
| Net operating income to assets | 2.0734% | 411 |
| Return on assets (ROA) | 2.1118% | 403 |
| Pretax return on assets | 2.3491% | 427 |
| Return on Equity (ROE) | 23.1987% | 244 |
| Retained earnings to average equity (ytd only) | 6.9759% | 2,431 |
| Net charge-offs to loans | 0.0454% | 1,212 |
| Credit loss provision to net charge-offs | 36.9686% | 1,933 |
| Earnings coverage of net charge-offs (x) | 71.2311% | 1,058 |
| Efficiency ratio | 38.2079% | 4,763 |
| Assets per employee ($millions) | 16.7850% | 150 |
| Cash dividends to net income (ytd only)* | 69.9296% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,598 |
| Loan loss allowance to noncurrent loans | 3,929.4964% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 4,035 |
| Noncurrent loans to loans | 0.0325% | 3,972 |
| Net loans and leases to total assets | 69.3616% | 1,152 |
| Net loans and leases to deposits | 77.6619% | 1,512 |
| Net loans and leases to core deposits | 78.6706% | 1,844 |
| Total domestic deposits to total assets | 89.3122% | 1,118 |
| Equity capital to assets | 10.2402% | 2,668 |
| Core capital (leverage) ratio | 10.4614% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3379% | 1,849 |
| Memoranda: | ||
| Average total assets | $2,216,127,250 | 484 |
| Average earning assets | $2,094,449,250 | 473 |
| Average equity | $201,735,750 | 539 |
| Average total loans | $1,588,080,000 | 451 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 1,946 |
| Cost of funding earning assets | 0.1251% | 4,391 |
| Net interest margin | 3.7247% | 1,285 |
| Noninterest income to average assets | 0.2540% | 3,875 |
| Noninterest expense to average assets | 1.4436% | 4,683 |
| Loan and lease loss provision to assets | 0.0187% | 2,585 |
| Net operating income to assets | 2.1696% | 359 |
| Return on assets (ROA) | 2.1936% | 362 |
| Pretax return on assets | 2.3347% | 458 |
| Return on Equity (ROE) | 25.2935% | 181 |
| Retained earnings to average equity (ytd only) | 2.2043% | 4,067 |
| Net charge-offs to loans | 0.0305% | 1,359 |
| Credit loss provision to net charge-offs | 84.7458% | 1,462 |
| Earnings coverage of net charge-offs (x) | 105.7161% | 725 |
| Efficiency ratio | 38.2771% | 4,797 |
| Assets per employee ($millions) | 15.5158% | 185 |
| Cash dividends to net income (ytd only)* | 91.2849% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,995 |
| Loan loss allowance to noncurrent loans | 5,139.9072% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 4,159 |
| Noncurrent loans to loans | 0.0271% | 4,075 |
| Net loans and leases to total assets | 67.2712% | 1,545 |
| Net loans and leases to deposits | 75.4723% | 1,874 |
| Net loans and leases to core deposits | 76.5112% | 2,193 |
| Total domestic deposits to total assets | 89.1337% | 1,211 |
| Equity capital to assets | 10.3562% | 2,530 |
| Core capital (leverage) ratio | 10.6320% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0884% | 1,602 |
| Memoranda: | ||
| Average total assets | $2,143,563,333 | 494 |
| Average earning assets | $2,024,267,000 | 484 |
| Average equity | $185,905,333 | 581 |
| Average total loans | $1,547,445,667 | 466 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 1,760 |
| Cost of funding earning assets | 0.1411% | 4,373 |
| Net interest margin | 3.7885% | 1,163 |
| Noninterest income to average assets | 0.2375% | 3,972 |
| Noninterest expense to average assets | 1.4940% | 4,659 |
| Loan and lease loss provision to assets | 0.0390% | 2,258 |
| Net operating income to assets | 2.2868% | 365 |
| Return on assets (ROA) | 2.3212% | 375 |
| Pretax return on assets | 2.3873% | 530 |
| Return on Equity (ROE) | 30.0763% | 140 |
| Retained earnings to average equity (ytd only) | -0.1288% | 4,377 |
| Net charge-offs to loans | 0.0309% | 1,178 |
| Credit loss provision to net charge-offs | 169.4915% | 947 |
| Earnings coverage of net charge-offs (x) | 103.9237% | 605 |
| Efficiency ratio | 38.4573% | 4,799 |
| Assets per employee ($millions) | 15.3561% | 188 |
| Cash dividends to net income (ytd only)* | 100.4284% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 1,805 |
| Loan loss allowance to noncurrent loans | 5,061.5909% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,229 |
| Noncurrent loans to loans | 0.0285% | 4,147 |
| Net loans and leases to total assets | 70.9019% | 1,170 |
| Net loans and leases to deposits | 76.7339% | 1,827 |
| Net loans and leases to core deposits | 77.0311% | 2,266 |
| Total domestic deposits to total assets | 92.3997% | 82 |
| Equity capital to assets | 7.3239% | 4,765 |
| Core capital (leverage) ratio | 7.6576% | 4,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9415% | 2,941 |
| Memoranda: | ||
| Average total assets | $2,051,660,500 | 509 |
| Average earning assets | $1,975,238,000 | 489 |
| Average equity | $158,344,000 | 675 |
| Average total loans | $1,527,267,000 | 471 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 2,003 |
| Cost of funding earning assets | 0.4188% | 3,471 |
| Net interest margin | 3.8298% | 1,421 |
| Noninterest income to average assets | 0.3873% | 3,167 |
| Noninterest expense to average assets | 1.4867% | 4,788 |
| Loan and lease loss provision to assets | 0.4913% | 518 |
| Net operating income to assets | 2.0373% | 247 |
| Return on assets (ROA) | 2.1134% | 228 |
| Pretax return on assets | 2.1864% | 306 |
| Return on Equity (ROE) | 26.7305% | 89 |
| Retained earnings to average equity (ytd only) | 7.3439% | 1,261 |
| Net charge-offs to loans | 0.1224% | 1,273 |
| Credit loss provision to net charge-offs | 521.4368% | 1,220 |
| Earnings coverage of net charge-offs (x) | 27.5852% | 1,679 |
| Efficiency ratio | 36.3859% | 4,933 |
| Assets per employee ($millions) | 13.8544% | 219 |
| Cash dividends to net income (ytd only)* | 72.5260% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 1,687 |
| Loan loss allowance to noncurrent loans | 4,909.0708% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 4,274 |
| Noncurrent loans to loans | 0.0300% | 4,195 |
| Net loans and leases to total assets | 76.0589% | 785 |
| Net loans and leases to deposits | 83.1186% | 1,533 |
| Net loans and leases to core deposits | 83.4720% | 2,082 |
| Total domestic deposits to total assets | 91.5065% | 131 |
| Equity capital to assets | 8.1514% | 4,640 |
| Core capital (leverage) ratio | 7.8692% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9883% | 2,923 |
| Memoranda: | ||
| Average total assets | $1,831,748,400 | 519 |
| Average earning assets | $1,769,038,600 | 496 |
| Average equity | $144,826,800 | 696 |
| Average total loans | $1,409,857,400 | 473 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 2,510 |
| Cost of funding earning assets | 0.4891% | 3,293 |
| Net interest margin | 3.6647% | 2,044 |
| Noninterest income to average assets | 0.3690% | 3,244 |
| Noninterest expense to average assets | 1.3867% | 4,870 |
| Loan and lease loss provision to assets | 0.4441% | 737 |
| Net operating income to assets | 2.0093% | 289 |
| Return on assets (ROA) | 2.0975% | 263 |
| Pretax return on assets | 2.1742% | 359 |
| Return on Equity (ROE) | 26.7539% | 94 |
| Retained earnings to average equity (ytd only) | 7.7114% | 1,413 |
| Net charge-offs to loans | 0.1312% | 1,096 |
| Credit loss provision to net charge-offs | 440.2054% | 1,385 |
| Earnings coverage of net charge-offs (x) | 25.0426% | 1,737 |
| Efficiency ratio | 35.4373% | 4,958 |
| Assets per employee ($millions) | 15.8249% | 142 |
| Cash dividends to net income (ytd only)* | 71.1765% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,393 |
| Loan loss allowance to noncurrent loans | 1,332.7880% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 4,081 |
| Noncurrent loans to loans | 0.0937% | 3,991 |
| Net loans and leases to total assets | 75.1179% | 1,225 |
| Net loans and leases to deposits | 81.5591% | 2,143 |
| Net loans and leases to core deposits | 82.7677% | 2,600 |
| Total domestic deposits to total assets | 92.1024% | 49 |
| Equity capital to assets | 7.5953% | 4,835 |
| Core capital (leverage) ratio | 7.5097% | 4,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1869% | 2,876 |
| Memoranda: | ||
| Average total assets | $1,801,317,000 | 520 |
| Average earning assets | $1,742,076,000 | 493 |
| Average equity | $141,224,500 | 702 |
| Average total loans | $1,385,326,750 | 478 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 2,468 |
| Cost of funding earning assets | 0.5581% | 3,193 |
| Net interest margin | 3.7432% | 2,017 |
| Noninterest income to average assets | 0.3389% | 3,444 |
| Noninterest expense to average assets | 1.3885% | 4,909 |
| Loan and lease loss provision to assets | 0.4837% | 761 |
| Net operating income to assets | 2.0106% | 329 |
| Return on assets (ROA) | 2.1186% | 282 |
| Pretax return on assets | 2.1961% | 367 |
| Return on Equity (ROE) | 26.6902% | 91 |
| Retained earnings to average equity (ytd only) | 8.3838% | 1,195 |
| Net charge-offs to loans | 0.1749% | 853 |
| Credit loss provision to net charge-offs | 358.0673% | 1,495 |
| Earnings coverage of net charge-offs (x) | 19.0052% | 1,743 |
| Efficiency ratio | 35.1002% | 4,987 |
| Assets per employee ($millions) | 18.0204% | 101 |
| Cash dividends to net income (ytd only)* | 68.5884% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,629 |
| Loan loss allowance to noncurrent loans | 5,409.6677% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 4,482 |
| Noncurrent loans to loans | 0.0218% | 4,403 |
| Net loans and leases to total assets | 71.3277% | 1,829 |
| Net loans and leases to deposits | 76.6278% | 2,795 |
| Net loans and leases to core deposits | 79.8287% | 2,964 |
| Total domestic deposits to total assets | 93.0834% | 15 |
| Equity capital to assets | 6.6705% | 5,005 |
| Core capital (leverage) ratio | 7.3570% | 4,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3451% | 3,115 |
| Memoranda: | ||
| Average total assets | $1,716,008,667 | 533 |
| Average earning assets | $1,658,025,000 | 506 |
| Average equity | $136,215,000 | 723 |
| Average total loans | $1,325,466,000 | 489 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6961% | 1,720 |
| Cost of funding earning assets | 0.6455% | 3,188 |
| Net interest margin | 4.0506% | 1,251 |
| Noninterest income to average assets | 0.2685% | 3,931 |
| Noninterest expense to average assets | 1.5770% | 4,872 |
| Loan and lease loss provision to assets | 0.6843% | 390 |
| Net operating income to assets | 1.8487% | 372 |
| Return on assets (ROA) | 1.9831% | 306 |
| Pretax return on assets | 2.0563% | 401 |
| Return on Equity (ROE) | 22.4922% | 101 |
| Retained earnings to average equity (ytd only) | 1.0030% | 3,738 |
| Net charge-offs to loans | 0.3334% | 435 |
| Credit loss provision to net charge-offs | 254.1544% | 1,275 |
| Earnings coverage of net charge-offs (x) | 9.6588% | 1,811 |
| Efficiency ratio | 37.7496% | 5,013 |
| Assets per employee ($millions) | 13.8041% | 163 |
| Cash dividends to net income (ytd only)* | 95.5408% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 2,149 |
| Loan loss allowance to noncurrent loans | 37,481.8182% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,633 |
| Noncurrent loans to loans | 0.0035% | 4,567 |
| Net loans and leases to total assets | 80.2181% | 672 |
| Net loans and leases to deposits | 90.9699% | 1,409 |
| Net loans and leases to core deposits | 97.6188% | 1,672 |
| Total domestic deposits to total assets | 88.1809% | 1,028 |
| Equity capital to assets | 8.6081% | 4,789 |
| Core capital (leverage) ratio | 9.0236% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7666% | 3,358 |
| Memoranda: | ||
| Average total assets | $1,519,817,000 | 562 |
| Average earning assets | $1,466,745,000 | 539 |
| Average equity | $134,002,000 | 726 |
| Average total loans | $1,227,312,000 | 502 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 1,711 |
| Cost of funding earning assets | 0.7547% | 2,892 |
| Net interest margin | 4.1605% | 1,392 |
| Noninterest income to average assets | 0.3473% | 3,625 |
| Noninterest expense to average assets | 1.5736% | 4,964 |
| Loan and lease loss provision to assets | 0.3992% | 360 |
| Net operating income to assets | 2.3121% | 182 |
| Return on assets (ROA) | 2.3074% | 197 |
| Pretax return on assets | 2.3852% | 257 |
| Return on Equity (ROE) | 26.4185% | 59 |
| Retained earnings to average equity (ytd only) | 3.2421% | 3,397 |
| Net charge-offs to loans | 0.2074% | 994 |
| Credit loss provision to net charge-offs | 247.3022% | 1,100 |
| Earnings coverage of net charge-offs (x) | 17.2774% | 2,116 |
| Efficiency ratio | 36.0681% | 5,107 |
| Assets per employee ($millions) | 13.8296% | 151 |
| Cash dividends to net income (ytd only)* | 87.7281% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,130 |
| Loan loss allowance to noncurrent loans | 1,934.5006% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 4,374 |
| Noncurrent loans to loans | 0.0650% | 4,279 |
| Net loans and leases to total assets | 79.1963% | 896 |
| Net loans and leases to deposits | 89.0834% | 1,687 |
| Net loans and leases to core deposits | 94.8307% | 1,995 |
| Total domestic deposits to total assets | 88.9013% | 712 |
| Equity capital to assets | 9.0371% | 4,669 |
| Core capital (leverage) ratio | 9.2521% | 4,320 |
| Tier 1 risk-based capital ratio | 10.1101% | 5,109 |
| Total risk-based capital ratio | 11.2582% | 5,078 |
| Memoranda: | ||
| Average total assets | $1,377,630,600 | 591 |
| Average earning assets | $1,329,595,400 | 564 |
| Average equity | $120,324,600 | 756 |
| Average total loans | $1,072,322,800 | 539 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 1,788 |
| Cost of funding earning assets | 0.7725% | 2,858 |
| Net interest margin | 4.1374% | 1,533 |
| Noninterest income to average assets | 0.3284% | 3,781 |
| Noninterest expense to average assets | 1.5503% | 5,043 |
| Loan and lease loss provision to assets | 0.3550% | 376 |
| Net operating income to assets | 2.3324% | 211 |
| Return on assets (ROA) | 2.3260% | 224 |
| Pretax return on assets | 2.4108% | 300 |
| Return on Equity (ROE) | 26.8863% | 63 |
| Retained earnings to average equity (ytd only) | 3.8321% | 3,481 |
| Net charge-offs to loans | 0.1640% | 1,029 |
| Credit loss provision to net charge-offs | 280.3738% | 998 |
| Earnings coverage of net charge-offs (x) | 21.8964% | 1,891 |
| Efficiency ratio | 35.8647% | 5,179 |
| Assets per employee ($millions) | 13.1799% | 163 |
| Cash dividends to net income (ytd only)* | 85.7470% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 2,416 |
| Loan loss allowance to noncurrent loans | 3,506.2814% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 4,596 |
| Noncurrent loans to loans | 0.0347% | 4,507 |
| Net loans and leases to total assets | 79.4888% | 915 |
| Net loans and leases to deposits | 91.5517% | 1,493 |
| Net loans and leases to core deposits | 98.7268% | 1,768 |
| Total domestic deposits to total assets | 86.8240% | 1,607 |
| Equity capital to assets | 9.1283% | 4,708 |
| Core capital (leverage) ratio | 9.4318% | 4,246 |
| Tier 1 risk-based capital ratio | 10.1709% | 5,158 |
| Total risk-based capital ratio | 11.2831% | 5,130 |
| Memoranda: | ||
| Average total assets | $1,352,095,250 | 603 |
| Average earning assets | $1,305,361,250 | 573 |
| Average equity | $116,973,500 | 778 |
| Average total loans | $1,043,693,500 | 553 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 1,809 |
| Cost of funding earning assets | 0.7781% | 2,756 |
| Net interest margin | 4.1033% | 1,601 |
| Noninterest income to average assets | 0.3049% | 3,891 |
| Noninterest expense to average assets | 1.5680% | 5,081 |
| Loan and lease loss provision to assets | 0.3011% | 460 |
| Net operating income to assets | 2.3133% | 208 |
| Return on assets (ROA) | 2.3034% | 226 |
| Pretax return on assets | 2.3875% | 293 |
| Return on Equity (ROE) | 27.1595% | 64 |
| Retained earnings to average equity (ytd only) | 4.2715% | 3,117 |
| Net charge-offs to loans | 0.1739% | 936 |
| Credit loss provision to net charge-offs | 227.7904% | 1,097 |
| Earnings coverage of net charge-offs (x) | 20.4169% | 1,776 |
| Efficiency ratio | 36.7466% | 5,207 |
| Assets per employee ($millions) | 12.5950% | 176 |
| Cash dividends to net income (ytd only)* | 84.2725% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,591 |
| Loan loss allowance to noncurrent loans | 2,012.7760% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 4,529 |
| Noncurrent loans to loans | 0.0590% | 4,418 |
| Net loans and leases to total assets | 79.5034% | 964 |
| Net loans and leases to deposits | 87.6202% | 2,050 |
| Net loans and leases to core deposits | 92.1501% | 2,403 |
| Total domestic deposits to total assets | 90.7364% | 145 |
| Equity capital to assets | 8.8965% | 4,853 |
| Core capital (leverage) ratio | 8.7193% | 4,825 |
| Tier 1 risk-based capital ratio | 10.0148% | 5,226 |
| Total risk-based capital ratio | 11.1084% | 5,200 |
| Memoranda: | ||
| Average total assets | $1,328,317,670 | 609 |
| Average earning assets | $1,282,641,330 | 581 |
| Average equity | $112,653,000 | 796 |
| Average total loans | $1,009,784,330 | 568 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 2,076 |
| Cost of funding earning assets | 0.7309% | 2,886 |
| Net interest margin | 4.0110% | 1,823 |
| Noninterest income to average assets | 0.2171% | 4,448 |
| Noninterest expense to average assets | 1.5173% | 5,157 |
| Loan and lease loss provision to assets | 0.2415% | 613 |
| Net operating income to assets | 2.2525% | 246 |
| Return on assets (ROA) | 2.2449% | 260 |
| Pretax return on assets | 2.3273% | 342 |
| Return on Equity (ROE) | 27.1405% | 73 |
| Retained earnings to average equity (ytd only) | 6.7961% | 2,117 |
| Net charge-offs to loans | 0.2259% | 631 |
| Credit loss provision to net charge-offs | 144.9275% | 1,268 |
| Earnings coverage of net charge-offs (x) | 15.4620% | 1,735 |
| Efficiency ratio | 37.0622% | 5,256 |
| Assets per employee ($millions) | 14.0599% | 125 |
| Cash dividends to net income (ytd only)* | 74.9597% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,561 |
| Loan loss allowance to noncurrent loans | 834.1754% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 4,298 |
| Noncurrent loans to loans | 0.1441% | 4,093 |
| Net loans and leases to total assets | 70.8873% | 2,343 |
| Net loans and leases to deposits | 77.7954% | 3,082 |
| Net loans and leases to core deposits | 83.4114% | 3,069 |
| Total domestic deposits to total assets | 91.1201% | 149 |
| Equity capital to assets | 8.5118% | 4,981 |
| Core capital (leverage) ratio | 8.9647% | 4,679 |
| Tier 1 risk-based capital ratio | 10.3939% | 5,197 |
| Total risk-based capital ratio | 11.4554% | 5,189 |
| Memoranda: | ||
| Average total assets | $1,324,944,000 | 614 |
| Average earning assets | $1,280,691,000 | 586 |
| Average equity | $109,592,500 | 818 |
| Average total loans | $977,585,000 | 588 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 1,829 |
| Cost of funding earning assets | 0.5192% | 3,231 |
| Net interest margin | 4.1774% | 1,459 |
| Noninterest income to average assets | 0.3102% | 4,037 |
| Noninterest expense to average assets | 1.7166% | 5,074 |
| Loan and lease loss provision to assets | 0.3534% | 429 |
| Net operating income to assets | 2.2123% | 244 |
| Return on assets (ROA) | 2.1916% | 245 |
| Pretax return on assets | 2.2679% | 310 |
| Return on Equity (ROE) | 24.4399% | 101 |
| Retained earnings to average equity (ytd only) | 0.9134% | 4,732 |
| Net charge-offs to loans | 0.2315% | 844 |
| Credit loss provision to net charge-offs | 201.0050% | 1,427 |
| Earnings coverage of net charge-offs (x) | 15.0286% | 2,348 |
| Efficiency ratio | 39.3785% | 5,290 |
| Assets per employee ($millions) | 13.1135% | 151 |
| Cash dividends to net income (ytd only)* | 96.2625% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,548 |
| Loan loss allowance to noncurrent loans | 555.8262% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 4,003 |
| Noncurrent loans to loans | 0.2166% | 3,804 |
| Net loans and leases to total assets | 75.0705% | 1,760 |
| Net loans and leases to deposits | 81.9933% | 2,733 |
| Net loans and leases to core deposits | 88.3343% | 2,728 |
| Total domestic deposits to total assets | 91.5568% | 111 |
| Equity capital to assets | 8.0112% | 5,160 |
| Core capital (leverage) ratio | 8.6143% | 4,948 |
| Tier 1 risk-based capital ratio | 9.4568% | 5,372 |
| Total risk-based capital ratio | 10.5334% | 5,369 |
| Memoranda: | ||
| Average total assets | $1,131,708,600 | 680 |
| Average earning assets | $1,096,931,200 | 644 |
| Average equity | $101,485,600 | 841 |
| Average total loans | $859,523,800 | 649 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 1,807 |
| Cost of funding earning assets | 0.4877% | 3,274 |
| Net interest margin | 4.1693% | 1,446 |
| Noninterest income to average assets | 0.2940% | 4,181 |
| Noninterest expense to average assets | 1.6015% | 5,203 |
| Loan and lease loss provision to assets | 0.3526% | 383 |
| Net operating income to assets | 2.3006% | 227 |
| Return on assets (ROA) | 2.2849% | 236 |
| Pretax return on assets | 2.3689% | 293 |
| Return on Equity (ROE) | 24.7153% | 92 |
| Retained earnings to average equity (ytd only) | 0.6523% | 4,921 |
| Net charge-offs to loans | 0.2446% | 699 |
| Credit loss provision to net charge-offs | 189.7906% | 1,447 |
| Earnings coverage of net charge-offs (x) | 14.7376% | 2,272 |
| Efficiency ratio | 36.9057% | 5,379 |
| Assets per employee ($millions) | 12.3115% | 180 |
| Cash dividends to net income (ytd only)* | 97.3607% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,426 |
| Loan loss allowance to noncurrent loans | 527.3250% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 4,005 |
| Noncurrent loans to loans | 0.2342% | 3,865 |
| Net loans and leases to total assets | 78.5343% | 1,250 |
| Net loans and leases to deposits | 86.5681% | 2,310 |
| Net loans and leases to core deposits | 92.9496% | 2,397 |
| Total domestic deposits to total assets | 90.7197% | 285 |
| Equity capital to assets | 8.9867% | 4,560 |
| Core capital (leverage) ratio | 9.1360% | 4,579 |
| Tier 1 risk-based capital ratio | 10.1399% | 5,351 |
| Total risk-based capital ratio | 11.2350% | 5,337 |
| Memoranda: | ||
| Average total assets | $1,096,632,500 | 700 |
| Average earning assets | $1,064,032,250 | 661 |
| Average equity | $101,381,250 | 838 |
| Average total loans | $832,768,500 | 667 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 1,908 |
| Cost of funding earning assets | 0.4577% | 3,303 |
| Net interest margin | 4.1016% | 1,554 |
| Noninterest income to average assets | 0.3413% | 3,899 |
| Noninterest expense to average assets | 1.5875% | 5,278 |
| Loan and lease loss provision to assets | 0.2756% | 539 |
| Net operating income to assets | 2.3712% | 180 |
| Return on assets (ROA) | 2.3574% | 180 |
| Pretax return on assets | 2.4443% | 245 |
| Return on Equity (ROE) | 25.2582% | 78 |
| Retained earnings to average equity (ytd only) | 2.4052% | 4,303 |
| Net charge-offs to loans | 0.0777% | 1,548 |
| Credit loss provision to net charge-offs | 474.6835% | 733 |
| Earnings coverage of net charge-offs (x) | 47.1013% | 1,168 |
| Efficiency ratio | 36.7338% | 5,441 |
| Assets per employee ($millions) | 12.8673% | 155 |
| Cash dividends to net income (ytd only)* | 90.4777% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,294 |
| Loan loss allowance to noncurrent loans | 260.9556% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 3,313 |
| Noncurrent loans to loans | 0.4891% | 2,969 |
| Net loans and leases to total assets | 72.2228% | 2,239 |
| Net loans and leases to deposits | 79.4591% | 3,008 |
| Net loans and leases to core deposits | 85.3889% | 2,978 |
| Total domestic deposits to total assets | 90.8931% | 277 |
| Equity capital to assets | 8.8023% | 4,715 |
| Core capital (leverage) ratio | 8.8256% | 4,865 |
| Tier 1 risk-based capital ratio | 10.5716% | 5,241 |
| Total risk-based capital ratio | 11.6857% | 5,200 |
| Memoranda: | ||
| Average total assets | $1,088,727,330 | 704 |
| Average earning assets | $1,056,564,670 | 664 |
| Average equity | $101,614,330 | 841 |
| Average total loans | $813,405,670 | 678 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 2,258 |
| Cost of funding earning assets | 0.3911% | 3,654 |
| Net interest margin | 3.9913% | 1,751 |
| Noninterest income to average assets | 0.3264% | 3,972 |
| Noninterest expense to average assets | 1.5547% | 5,355 |
| Loan and lease loss provision to assets | 0.2277% | 691 |
| Net operating income to assets | 2.3426% | 189 |
| Return on assets (ROA) | 2.3251% | 199 |
| Pretax return on assets | 2.4105% | 258 |
| Return on Equity (ROE) | 24.1568% | 101 |
| Retained earnings to average equity (ytd only) | 0.8634% | 4,656 |
| Net charge-offs to loans | 0.0387% | 1,755 |
| Credit loss provision to net charge-offs | 779.2208% | 422 |
| Earnings coverage of net charge-offs (x) | 90.9091% | 653 |
| Efficiency ratio | 36.9199% | 5,505 |
| Assets per employee ($millions) | 12.6147% | 170 |
| Cash dividends to net income (ytd only)* | 96.4257% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,565 |
| Loan loss allowance to noncurrent loans | 345.3061% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 3,829 |
| Noncurrent loans to loans | 0.3596% | 3,483 |
| Net loans and leases to total assets | 71.1129% | 2,312 |
| Net loans and leases to deposits | 78.3288% | 2,986 |
| Net loans and leases to core deposits | 101.7119% | 1,555 |
| Total domestic deposits to total assets | 90.7877% | 388 |
| Equity capital to assets | 8.9120% | 4,645 |
| Core capital (leverage) ratio | 9.8030% | 3,756 |
| Tier 1 risk-based capital ratio | 10.8672% | 5,209 |
| Total risk-based capital ratio | 11.9521% | 5,177 |
| Memoranda: | ||
| Average total assets | $1,054,064,000 | 727 |
| Average earning assets | $1,025,924,500 | 692 |
| Average equity | $101,454,000 | 843 |
| Average total loans | $796,512,000 | 697 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 1,989 |
| Cost of funding earning assets | 0.3174% | 3,981 |
| Net interest margin | 4.0975% | 1,448 |
| Noninterest income to average assets | 0.2546% | 4,610 |
| Noninterest expense to average assets | 1.5346% | 5,454 |
| Loan and lease loss provision to assets | 0.1645% | 1,350 |
| Net operating income to assets | 2.4368% | 131 |
| Return on assets (ROA) | 2.4329% | 134 |
| Pretax return on assets | 2.5199% | 171 |
| Return on Equity (ROE) | 25.4231% | 62 |
| Retained earnings to average equity (ytd only) | 3.5952% | 3,113 |
| Net charge-offs to loans | 0.0300% | 3,199 |
| Credit loss provision to net charge-offs | 697.6744% | 472 |
| Earnings coverage of net charge-offs (x) | 114.0512% | 589 |
| Efficiency ratio | 36.3389% | 5,576 |
| Assets per employee ($millions) | 11.1816% | 230 |
| Cash dividends to net income (ytd only)* | 85.8585% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,520 |
| Loan loss allowance to noncurrent loans | 306.6561% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 3,584 |
| Noncurrent loans to loans | 0.4049% | 3,311 |
| Net loans and leases to total assets | 78.7293% | 1,181 |
| Net loans and leases to deposits | 88.2638% | 1,988 |
| Net loans and leases to core deposits | 118.7553% | 623 |
| Total domestic deposits to total assets | 89.1977% | 907 |
| Equity capital to assets | 10.4572% | 3,207 |
| Core capital (leverage) ratio | 10.4534% | 2,898 |
| Tier 1 risk-based capital ratio | 11.7870% | 4,668 |
| Total risk-based capital ratio | 12.9036% | 4,636 |
| Memoranda: | ||
| Average total assets | $912,088,200 | 813 |
| Average earning assets | $883,371,000 | 767 |
| Average equity | $87,282,800 | 930 |
| Average total loans | $717,250,400 | 735 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 2,184 |
| Cost of funding earning assets | 0.3071% | 4,061 |
| Net interest margin | 4.0209% | 1,630 |
| Noninterest income to average assets | 0.1958% | 5,032 |
| Noninterest expense to average assets | 1.5050% | 5,515 |
| Loan and lease loss provision to assets | 0.1189% | 1,820 |
| Net operating income to assets | 2.3751% | 161 |
| Return on assets (ROA) | 2.3751% | 163 |
| Pretax return on assets | 2.4608% | 222 |
| Return on Equity (ROE) | 25.4592% | 69 |
| Retained earnings to average equity (ytd only) | 3.8706% | 3,615 |
| Net charge-offs to loans | 0.0408% | 2,623 |
| Credit loss provision to net charge-offs | 372.0930% | 825 |
| Earnings coverage of net charge-offs (x) | 80.7161% | 807 |
| Efficiency ratio | 36.8440% | 5,629 |
| Assets per employee ($millions) | 11.8445% | 186 |
| Cash dividends to net income (ytd only)* | 84.7969% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,126 |
| Loan loss allowance to noncurrent loans | 841.5646% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 4,699 |
| Noncurrent loans to loans | 0.1384% | 4,500 |
| Net loans and leases to total assets | 78.0398% | 1,264 |
| Net loans and leases to deposits | 88.7132% | 1,963 |
| Net loans and leases to core deposits | 118.2467% | 644 |
| Total domestic deposits to total assets | 87.9685% | 1,380 |
| Equity capital to assets | 10.4648% | 3,408 |
| Core capital (leverage) ratio | 10.9375% | 2,519 |
| Tier 1 risk-based capital ratio | 12.1114% | 4,541 |
| Total risk-based capital ratio | 13.1822% | 4,551 |
| Memoranda: | ||
| Average total assets | $896,910,000 | 841 |
| Average earning assets | $867,469,000 | 787 |
| Average equity | $83,671,500 | 976 |
| Average total loans | $702,686,000 | 742 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,315 |
| Cost of funding earning assets | 0.2906% | 4,181 |
| Net interest margin | 3.9529% | 1,765 |
| Noninterest income to average assets | 0.1497% | 5,313 |
| Noninterest expense to average assets | 1.4874% | 5,579 |
| Loan and lease loss provision to assets | 0.0688% | 2,593 |
| Net operating income to assets | 2.3302% | 165 |
| Return on assets (ROA) | 2.3334% | 163 |
| Pretax return on assets | 2.4180% | 239 |
| Return on Equity (ROE) | 26.1964% | 66 |
| Retained earnings to average equity (ytd only) | 3.5710% | 3,579 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4567% | 5,673 |
| Assets per employee ($millions) | 11.2336% | 213 |
| Cash dividends to net income (ytd only)* | 86.3686% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,927 |
| Loan loss allowance to noncurrent loans | 338.8475% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 4,011 |
| Noncurrent loans to loans | 0.3587% | 3,742 |
| Net loans and leases to total assets | 76.2749% | 1,506 |
| Net loans and leases to deposits | 83.7052% | 2,521 |
| Net loans and leases to core deposits | 105.6232% | 1,258 |
| Total domestic deposits to total assets | 91.1233% | 194 |
| Equity capital to assets | 8.6126% | 5,216 |
| Core capital (leverage) ratio | 9.1049% | 4,612 |
| Tier 1 risk-based capital ratio | 10.1093% | 5,605 |
| Total risk-based capital ratio | 11.2166% | 5,598 |
| Memoranda: | ||
| Average total assets | $872,131,330 | 866 |
| Average earning assets | $843,078,670 | 827 |
| Average equity | $77,682,330 | 1,038 |
| Average total loans | $681,285,670 | 771 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 2,312 |
| Cost of funding earning assets | 0.2727% | 4,325 |
| Net interest margin | 3.9151% | 1,725 |
| Noninterest income to average assets | 0.1208% | 5,508 |
| Noninterest expense to average assets | 1.4271% | 5,676 |
| Loan and lease loss provision to assets | 0.1416% | 1,331 |
| Net operating income to assets | 2.2704% | 201 |
| Return on assets (ROA) | 2.2704% | 207 |
| Pretax return on assets | 2.3525% | 273 |
| Return on Equity (ROE) | 25.0392% | 87 |
| Retained earnings to average equity (ytd only) | 2.1391% | 4,287 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3943% | 5,748 |
| Assets per employee ($millions) | 12.0406% | 173 |
| Cash dividends to net income (ytd only)* | 91.4571% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 2,815 |
| Loan loss allowance to noncurrent loans | 314.5560% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,905 |
| Noncurrent loans to loans | 0.3978% | 3,667 |
| Net loans and leases to total assets | 79.7915% | 856 |
| Net loans and leases to deposits | 88.0015% | 1,795 |
| Net loans and leases to core deposits | 111.9488% | 777 |
| Total domestic deposits to total assets | 90.6705% | 401 |
| Equity capital to assets | 9.0428% | 4,768 |
| Core capital (leverage) ratio | 9.2640% | 4,393 |
| Tier 1 risk-based capital ratio | 10.1584% | 5,664 |
| Total risk-based capital ratio | 11.2847% | 5,652 |
| Memoranda: | ||
| Average total assets | $847,618,500 | 895 |
| Average earning assets | $822,769,000 | 849 |
| Average equity | $76,855,500 | 1,044 |
| Average total loans | $666,300,500 | 790 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 3,454 |
| Cost of funding earning assets | 0.2280% | 4,757 |
| Net interest margin | 3.7024% | 2,683 |
| Noninterest income to average assets | 0.1250% | 5,561 |
| Noninterest expense to average assets | 1.4576% | 5,740 |
| Loan and lease loss provision to assets | 0.1871% | 1,260 |
| Net operating income to assets | 2.0085% | 310 |
| Return on assets (ROA) | 2.0157% | 321 |
| Pretax return on assets | 2.0890% | 411 |
| Return on Equity (ROE) | 23.9988% | 95 |
| Retained earnings to average equity (ytd only) | 2.4327% | 4,139 |
| Net charge-offs to loans | -0.0113% | 4,964 |
| Credit loss provision to net charge-offs | -2,272.7273% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1169% | 5,793 |
| Assets per employee ($millions) | 12.3582% | 156 |
| Cash dividends to net income (ytd only)* | 89.8632% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,544 |
| Loan loss allowance to noncurrent loans | 554.4186% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 4,603 |
| Noncurrent loans to loans | 0.2345% | 4,310 |
| Net loans and leases to total assets | 75.3836% | 1,619 |
| Net loans and leases to deposits | 83.2020% | 2,513 |
| Net loans and leases to core deposits | 102.4975% | 1,413 |
| Total domestic deposits to total assets | 90.6031% | 417 |
| Equity capital to assets | 9.0921% | 4,718 |
| Core capital (leverage) ratio | 9.6372% | 3,922 |
| Tier 1 risk-based capital ratio | 10.7833% | 5,444 |
| Total risk-based capital ratio | 11.9433% | 5,404 |
| Memoranda: | ||
| Average total assets | $801,657,000 | 903 |
| Average earning assets | $779,771,200 | 862 |
| Average equity | $67,332,600 | 1,160 |
| Average total loans | $583,533,000 | 852 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 3,586 |
| Cost of funding earning assets | 0.2271% | 4,815 |
| Net interest margin | 3.6712% | 2,823 |
| Noninterest income to average assets | 0.1183% | 5,647 |
| Noninterest expense to average assets | 1.4316% | 5,806 |
| Loan and lease loss provision to assets | 0.2525% | 741 |
| Net operating income to assets | 1.9349% | 381 |
| Return on assets (ROA) | 1.9401% | 398 |
| Pretax return on assets | 2.0106% | 558 |
| Return on Equity (ROE) | 23.6150% | 107 |
| Retained earnings to average equity (ytd only) | 0.0656% | 5,323 |
| Net charge-offs to loans | -0.0155% | 4,919 |
| Credit loss provision to net charge-offs | -2,272.7273% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8045% | 5,853 |
| Assets per employee ($millions) | 11.6797% | 183 |
| Cash dividends to net income (ytd only)* | 99.7223% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 2,179 |
| Loan loss allowance to noncurrent loans | 528.1013% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 4,601 |
| Noncurrent loans to loans | 0.2660% | 4,310 |
| Net loans and leases to total assets | 77.1462% | 1,333 |
| Net loans and leases to deposits | 84.6758% | 2,406 |
| Net loans and leases to core deposits | 104.3673% | 1,316 |
| Total domestic deposits to total assets | 91.1078% | 169 |
| Equity capital to assets | 8.5827% | 5,487 |
| Core capital (leverage) ratio | 8.4676% | 5,389 |
| Tier 1 risk-based capital ratio | 9.4864% | 5,880 |
| Total risk-based capital ratio | 10.7224% | 5,871 |
| Memoranda: | ||
| Average total assets | $791,982,250 | 911 |
| Average earning assets | $770,375,250 | 869 |
| Average equity | $65,064,250 | 1,215 |
| Average total loans | $568,957,500 | 870 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7923% | 3,979 |
| Cost of funding earning assets | 0.2238% | 4,904 |
| Net interest margin | 3.5685% | 3,220 |
| Noninterest income to average assets | 0.1108% | 5,738 |
| Noninterest expense to average assets | 1.4016% | 5,899 |
| Loan and lease loss provision to assets | 0.0747% | 2,643 |
| Net operating income to assets | 2.0371% | 307 |
| Return on assets (ROA) | 2.0448% | 316 |
| Pretax return on assets | 2.1185% | 449 |
| Return on Equity (ROE) | 25.2456% | 85 |
| Retained earnings to average equity (ytd only) | 2.0113% | 4,556 |
| Net charge-offs to loans | -0.0307% | 5,132 |
| Credit loss provision to net charge-offs | -348.8372% | 4,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0764% | 5,925 |
| Assets per employee ($millions) | 12.1062% | 155 |
| Cash dividends to net income (ytd only)* | 92.0331% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 3,061 |
| Loan loss allowance to noncurrent loans | 9,681.0811% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 5,587 |
| Noncurrent loans to loans | 0.0129% | 5,441 |
| Net loans and leases to total assets | 71.8440% | 2,197 |
| Net loans and leases to deposits | 78.8200% | 3,075 |
| Net loans and leases to core deposits | 95.5026% | 2,019 |
| Total domestic deposits to total assets | 91.1495% | 165 |
| Equity capital to assets | 8.3432% | 5,672 |
| Core capital (leverage) ratio | 8.3053% | 5,531 |
| Tier 1 risk-based capital ratio | 9.9971% | 5,858 |
| Total risk-based capital ratio | 11.1062% | 5,848 |
| Memoranda: | ||
| Average total assets | $802,917,000 | 900 |
| Average earning assets | $782,111,330 | 853 |
| Average equity | $65,033,000 | 1,211 |
| Average total loans | $560,603,000 | 880 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6867% | 4,371 |
| Cost of funding earning assets | 0.2211% | 4,989 |
| Net interest margin | 3.4656% | 3,603 |
| Noninterest income to average assets | 0.0947% | 5,839 |
| Noninterest expense to average assets | 1.3506% | 5,982 |
| Loan and lease loss provision to assets | 0.0987% | 2,050 |
| Net operating income to assets | 1.9696% | 357 |
| Return on assets (ROA) | 1.9849% | 361 |
| Pretax return on assets | 2.0554% | 507 |
| Return on Equity (ROE) | 24.8691% | 101 |
| Retained earnings to average equity (ytd only) | 2.4659% | 4,271 |
| Net charge-offs to loans | -0.0043% | 4,249 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7106% | 5,991 |
| Assets per employee ($millions) | 13.2867% | 115 |
| Cash dividends to net income (ytd only)* | 90.0845% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 3,272 |
| Loan loss allowance to noncurrent loans | 8,622.2222% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 5,635 |
| Noncurrent loans to loans | 0.0143% | 5,461 |
| Net loans and leases to total assets | 68.7986% | 2,527 |
| Net loans and leases to deposits | 75.0128% | 3,322 |
| Net loans and leases to core deposits | 97.2970% | 1,685 |
| Total domestic deposits to total assets | 91.7158% | 135 |
| Equity capital to assets | 8.0300% | 5,817 |
| Core capital (leverage) ratio | 8.0200% | 5,763 |
| Tier 1 risk-based capital ratio | 10.1107% | 5,889 |
| Total risk-based capital ratio | 11.2087% | 5,885 |
| Memoranda: | ||
| Average total assets | $810,922,500 | 897 |
| Average earning assets | $794,214,000 | 841 |
| Average equity | $64,723,000 | 1,208 |
| Average total loans | $554,650,000 | 889 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7476% | 4,200 |
| Cost of funding earning assets | 0.2098% | 5,194 |
| Net interest margin | 3.5378% | 3,387 |
| Noninterest income to average assets | 0.1031% | 5,865 |
| Noninterest expense to average assets | 1.4784% | 5,995 |
| Loan and lease loss provision to assets | 0.0485% | 3,362 |
| Net operating income to assets | 1.9568% | 372 |
| Return on assets (ROA) | 1.9600% | 380 |
| Pretax return on assets | 2.0299% | 505 |
| Return on Equity (ROE) | 22.1399% | 168 |
| Retained earnings to average equity (ytd only) | 1.8455% | 4,673 |
| Net charge-offs to loans | -0.0547% | 5,580 |
| Credit loss provision to net charge-offs | -125.8993% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6053% | 6,036 |
| Assets per employee ($millions) | 13.7518% | 102 |
| Cash dividends to net income (ytd only)* | 91.6643% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 3,216 |
| Loan loss allowance to noncurrent loans | 8,367.9012% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 5,668 |
| Noncurrent loans to loans | 0.0149% | 5,473 |
| Net loans and leases to total assets | 66.3004% | 2,943 |
| Net loans and leases to deposits | 72.2281% | 3,690 |
| Net loans and leases to core deposits | 103.1153% | 1,289 |
| Total domestic deposits to total assets | 91.7931% | 129 |
| Equity capital to assets | 7.9329% | 5,880 |
| Core capital (leverage) ratio | 8.0564% | 5,804 |
| Tier 1 risk-based capital ratio | 10.1912% | 5,896 |
| Total risk-based capital ratio | 11.2718% | 5,888 |
| Memoranda: | ||
| Average total assets | $722,254,400 | 962 |
| Average earning assets | $704,389,400 | 910 |
| Average equity | $63,939,000 | 1,177 |
| Average total loans | $508,377,200 | 922 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7716% | 4,183 |
| Cost of funding earning assets | 0.2069% | 5,318 |
| Net interest margin | 3.5646% | 3,286 |
| Noninterest income to average assets | 0.1000% | 5,968 |
| Noninterest expense to average assets | 1.4901% | 6,048 |
| Loan and lease loss provision to assets | 0.0286% | 3,667 |
| Net operating income to assets | 1.9804% | 374 |
| Return on assets (ROA) | 1.9804% | 389 |
| Pretax return on assets | 2.0528% | 540 |
| Return on Equity (ROE) | 21.7166% | 200 |
| Retained earnings to average equity (ytd only) | 2.1848% | 4,795 |
| Net charge-offs to loans | -0.0473% | 5,530 |
| Credit loss provision to net charge-offs | -84.7458% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7227% | 6,097 |
| Assets per employee ($millions) | 12.8498% | 124 |
| Cash dividends to net income (ytd only)* | 89.9394% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 3,545 |
| Loan loss allowance to noncurrent loans | 2,264.6853% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 5,645 |
| Noncurrent loans to loans | 0.0539% | 5,403 |
| Net loans and leases to total assets | 65.8326% | 3,043 |
| Net loans and leases to deposits | 71.8368% | 3,790 |
| Net loans and leases to core deposits | 100.8294% | 1,452 |
| Total domestic deposits to total assets | 91.6419% | 132 |
| Equity capital to assets | 8.0938% | 5,925 |
| Core capital (leverage) ratio | 8.3331% | 5,689 |
| Tier 1 risk-based capital ratio | 10.3841% | 5,927 |
| Total risk-based capital ratio | 11.4349% | 5,928 |
| Memoranda: | ||
| Average total assets | $699,978,500 | 995 |
| Average earning assets | $681,679,750 | 945 |
| Average equity | $63,832,750 | 1,191 |
| Average total loans | $499,293,500 | 939 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 3,942 |
| Cost of funding earning assets | 0.2012% | 5,423 |
| Net interest margin | 3.6320% | 2,973 |
| Noninterest income to average assets | 0.0869% | 6,066 |
| Noninterest expense to average assets | 1.5449% | 6,089 |
| Loan and lease loss provision to assets | 0.0300% | 3,531 |
| Net operating income to assets | 1.9702% | 384 |
| Return on assets (ROA) | 1.9702% | 400 |
| Pretax return on assets | 2.0427% | 555 |
| Return on Equity (ROE) | 20.6802% | 242 |
| Retained earnings to average equity (ytd only) | 1.7260% | 4,832 |
| Net charge-offs to loans | -0.0065% | 4,807 |
| Credit loss provision to net charge-offs | -625.0000% | 5,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7057% | 6,156 |
| Assets per employee ($millions) | 13.1382% | 111 |
| Cash dividends to net income (ytd only)* | 91.6540% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 3,527 |
| Loan loss allowance to noncurrent loans | 222.8307% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 4,388 |
| Noncurrent loans to loans | 0.5590% | 3,775 |
| Net loans and leases to total assets | 66.3328% | 2,893 |
| Net loans and leases to deposits | 72.6981% | 3,652 |
| Net loans and leases to core deposits | 101.7588% | 1,349 |
| Total domestic deposits to total assets | 91.2442% | 242 |
| Equity capital to assets | 8.5117% | 5,675 |
| Core capital (leverage) ratio | 9.0072% | 4,959 |
| Tier 1 risk-based capital ratio | 10.9974% | 5,711 |
| Total risk-based capital ratio | 12.0827% | 5,722 |
| Memoranda: | ||
| Average total assets | $667,742,330 | 1,043 |
| Average earning assets | $649,113,670 | 986 |
| Average equity | $63,616,330 | 1,202 |
| Average total loans | $488,739,000 | 961 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 3,430 |
| Cost of funding earning assets | 0.2108% | 5,409 |
| Net interest margin | 3.7363% | 2,486 |
| Noninterest income to average assets | 0.0925% | 6,116 |
| Noninterest expense to average assets | 1.6270% | 6,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0211% | 327 |
| Return on assets (ROA) | 2.0211% | 344 |
| Pretax return on assets | 2.0945% | 487 |
| Return on Equity (ROE) | 19.9454% | 270 |
| Retained earnings to average equity (ytd only) | 0.9756% | 5,077 |
| Net charge-offs to loans | -0.0066% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7189% | 6,190 |
| Assets per employee ($millions) | 11.4140% | 175 |
| Cash dividends to net income (ytd only)* | 95.1089% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 3,695 |
| Loan loss allowance to noncurrent loans | 377.0974% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 4,938 |
| Noncurrent loans to loans | 0.3312% | 4,606 |
| Net loans and leases to total assets | 74.8492% | 1,382 |
| Net loans and leases to deposits | 83.2406% | 2,173 |
| Net loans and leases to core deposits | 103.3832% | 1,103 |
| Total domestic deposits to total assets | 89.9191% | 780 |
| Equity capital to assets | 9.7950% | 4,392 |
| Core capital (leverage) ratio | 9.9021% | 3,744 |
| Tier 1 risk-based capital ratio | 11.7091% | 5,432 |
| Total risk-based capital ratio | 12.8518% | 5,412 |
| Memoranda: | ||
| Average total assets | $627,174,500 | 1,104 |
| Average earning assets | $609,158,000 | 1,046 |
| Average equity | $63,553,500 | 1,200 |
| Average total loans | $481,599,500 | 971 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 3,240 |
| Cost of funding earning assets | 0.2345% | 5,470 |
| Net interest margin | 3.8875% | 2,289 |
| Noninterest income to average assets | 0.1629% | 5,882 |
| Noninterest expense to average assets | 1.7082% | 6,147 |
| Loan and lease loss provision to assets | 0.0590% | 3,351 |
| Net operating income to assets | 2.0717% | 289 |
| Return on assets (ROA) | 2.0987% | 283 |
| Pretax return on assets | 2.1712% | 341 |
| Return on Equity (ROE) | 23.5737% | 132 |
| Retained earnings to average equity (ytd only) | 1.2487% | 5,219 |
| Net charge-offs to loans | 0.0121% | 4,655 |
| Credit loss provision to net charge-offs | 648.1481% | 408 |
| Earnings coverage of net charge-offs (x) | 242.1481% | 224 |
| Efficiency ratio | 43.6816% | 6,328 |
| Assets per employee ($millions) | 10.9773% | 192 |
| Cash dividends to net income (ytd only)* | 94.7030% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 3,374 |
| Loan loss allowance to noncurrent loans | 445.6522% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 4,267 |
| Noncurrent loans to loans | 0.2936% | 4,800 |
| Net loans and leases to total assets | 76.8402% | 1,152 |
| Net loans and leases to deposits | 86.3063% | 1,942 |
| Net loans and leases to core deposits | 117.3365% | 491 |
| Total domestic deposits to total assets | 89.0319% | 1,218 |
| Equity capital to assets | 10.4978% | 3,484 |
| Core capital (leverage) ratio | 10.0972% | 3,440 |
| Tier 1 risk-based capital ratio | 12.5875% | 4,984 |
| Total risk-based capital ratio | 13.8168% | 4,908 |
| Memoranda: | ||
| Average total assets | $593,713,600 | 1,117 |
| Average earning assets | $572,379,000 | 1,059 |
| Average equity | $52,855,600 | 1,385 |
| Average total loans | $446,460,200 | 988 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 3,293 |
| Cost of funding earning assets | 0.2368% | 5,544 |
| Net interest margin | 3.8841% | 2,309 |
| Noninterest income to average assets | 0.1768% | 5,860 |
| Noninterest expense to average assets | 1.6454% | 6,250 |
| Loan and lease loss provision to assets | 0.0789% | 2,767 |
| Net operating income to assets | 2.1130% | 276 |
| Return on assets (ROA) | 2.1215% | 282 |
| Pretax return on assets | 2.1973% | 370 |
| Return on Equity (ROE) | 24.9727% | 104 |
| Retained earnings to average equity (ytd only) | 1.8848% | 5,114 |
| Net charge-offs to loans | 0.0881% | 2,953 |
| Credit loss provision to net charge-offs | 120.2749% | 1,915 |
| Earnings coverage of net charge-offs (x) | 34.5499% | 1,248 |
| Efficiency ratio | 42.0519% | 6,416 |
| Assets per employee ($millions) | 11.9945% | 139 |
| Cash dividends to net income (ytd only)* | 92.4525% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 3,551 |
| Loan loss allowance to noncurrent loans | 252.8003% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 4,045 |
| Noncurrent loans to loans | 0.5220% | 4,370 |
| Net loans and leases to total assets | 70.8918% | 2,041 |
| Net loans and leases to deposits | 77.4149% | 3,016 |
| Net loans and leases to core deposits | 93.1509% | 1,943 |
| Total domestic deposits to total assets | 91.5739% | 216 |
| Equity capital to assets | 8.1372% | 6,051 |
| Core capital (leverage) ratio | 8.2186% | 5,913 |
| Tier 1 risk-based capital ratio | 10.3445% | 6,254 |
| Total risk-based capital ratio | 11.5532% | 6,229 |
| Memoranda: | ||
| Average total assets | $591,203,750 | 1,126 |
| Average earning assets | $568,661,500 | 1,075 |
| Average equity | $50,224,250 | 1,447 |
| Average total loans | $440,556,500 | 1,008 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 3,232 |
| Cost of funding earning assets | 0.2514% | 5,470 |
| Net interest margin | 3.8781% | 2,261 |
| Noninterest income to average assets | 0.1254% | 6,181 |
| Noninterest expense to average assets | 1.6290% | 6,335 |
| Loan and lease loss provision to assets | 0.0172% | 3,917 |
| Net operating income to assets | 2.1256% | 264 |
| Return on assets (ROA) | 2.1386% | 271 |
| Pretax return on assets | 2.2141% | 351 |
| Return on Equity (ROE) | 24.8002% | 115 |
| Retained earnings to average equity (ytd only) | 1.4906% | 5,148 |
| Net charge-offs to loans | -0.0420% | 5,796 |
| Credit loss provision to net charge-offs | -54.3478% | 5,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3452% | 6,472 |
| Assets per employee ($millions) | 11.8328% | 142 |
| Cash dividends to net income (ytd only)* | 93.9897% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 3,949 |
| Loan loss allowance to noncurrent loans | 214.1924% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 3,590 |
| Noncurrent loans to loans | 0.5988% | 4,232 |
| Net loans and leases to total assets | 73.8198% | 1,467 |
| Net loans and leases to deposits | 80.6396% | 2,428 |
| Net loans and leases to core deposits | 102.5413% | 1,102 |
| Total domestic deposits to total assets | 91.5429% | 254 |
| Equity capital to assets | 8.1979% | 6,027 |
| Core capital (leverage) ratio | 8.5809% | 5,547 |
| Tier 1 risk-based capital ratio | 10.0034% | 6,399 |
| Total risk-based capital ratio | 11.1847% | 6,378 |
| Memoranda: | ||
| Average total assets | $580,367,000 | 1,140 |
| Average earning assets | $556,923,670 | 1,096 |
| Average equity | $50,048,000 | 1,445 |
| Average total loans | $438,050,330 | 1,006 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1944% | 2,902 |
| Cost of funding earning assets | 0.2649% | 5,442 |
| Net interest margin | 3.9295% | 1,980 |
| Noninterest income to average assets | 0.1457% | 6,097 |
| Noninterest expense to average assets | 1.6479% | 6,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1823% | 245 |
| Return on assets (ROA) | 2.1823% | 258 |
| Pretax return on assets | 2.2612% | 324 |
| Return on Equity (ROE) | 24.6414% | 129 |
| Retained earnings to average equity (ytd only) | 1.7171% | 4,928 |
| Net charge-offs to loans | -0.0628% | 5,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1560% | 6,548 |
| Assets per employee ($millions) | 10.5927% | 207 |
| Cash dividends to net income (ytd only)* | 93.0316% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 3,926 |
| Loan loss allowance to noncurrent loans | 209.5683% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.8719% | 3,550 |
| Noncurrent loans to loans | 0.6370% | 4,269 |
| Net loans and leases to total assets | 76.6987% | 921 |
| Net loans and leases to deposits | 84.4637% | 1,776 |
| Net loans and leases to core deposits | 109.0936% | 623 |
| Total domestic deposits to total assets | 90.8066% | 640 |
| Equity capital to assets | 8.9232% | 5,196 |
| Core capital (leverage) ratio | 8.8856% | 5,158 |
| Tier 1 risk-based capital ratio | 10.6039% | 6,304 |
| Total risk-based capital ratio | 11.8536% | 6,273 |
| Memoranda: | ||
| Average total assets | $562,898,000 | 1,184 |
| Average earning assets | $539,098,500 | 1,134 |
| Average equity | $49,851,000 | 1,449 |
| Average total loans | $427,016,500 | 1,034 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 3,087 |
| Cost of funding earning assets | 0.3397% | 5,248 |
| Net interest margin | 3.9266% | 2,195 |
| Noninterest income to average assets | 0.2950% | 5,243 |
| Noninterest expense to average assets | 1.7581% | 6,380 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.1590% | 257 |
| Return on assets (ROA) | 2.1652% | 258 |
| Pretax return on assets | 2.2329% | 297 |
| Return on Equity (ROE) | 24.1662% | 144 |
| Retained earnings to average equity (ytd only) | 0.1236% | 5,797 |
| Net charge-offs to loans | 0.0687% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 45.6520% | 852 |
| Efficiency ratio | 44.1221% | 6,615 |
| Assets per employee ($millions) | 10.6487% | 193 |
| Cash dividends to net income (ytd only)* | 99.4884% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 3,587 |
| Loan loss allowance to noncurrent loans | 512.0555% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 4,501 |
| Noncurrent loans to loans | 0.2761% | 5,346 |
| Net loans and leases to total assets | 72.9481% | 1,528 |
| Net loans and leases to deposits | 80.2199% | 2,427 |
| Net loans and leases to core deposits | 106.1831% | 787 |
| Total domestic deposits to total assets | 90.9352% | 599 |
| Equity capital to assets | 8.7894% | 5,272 |
| Core capital (leverage) ratio | 8.7584% | 5,353 |
| Tier 1 risk-based capital ratio | 11.0316% | 6,159 |
| Total risk-based capital ratio | 12.2818% | 6,101 |
| Memoranda: | ||
| Average total assets | $559,754,800 | 1,179 |
| Average earning assets | $525,981,000 | 1,150 |
| Average equity | $50,152,600 | 1,414 |
| Average total loans | $397,434,000 | 1,083 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 3,059 |
| Cost of funding earning assets | 0.3497% | 5,296 |
| Net interest margin | 3.9351% | 2,161 |
| Noninterest income to average assets | 0.3048% | 5,266 |
| Noninterest expense to average assets | 1.6835% | 6,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.2324% | 245 |
| Return on assets (ROA) | 2.2391% | 248 |
| Pretax return on assets | 2.3155% | 310 |
| Return on Equity (ROE) | 24.8715% | 122 |
| Retained earnings to average equity (ytd only) | 1.1003% | 5,533 |
| Net charge-offs to loans | 0.1984% | 2,649 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 16.5616% | 1,794 |
| Efficiency ratio | 42.1704% | 6,703 |
| Assets per employee ($millions) | 10.3665% | 211 |
| Cash dividends to net income (ytd only)* | 95.5762% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 4,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 70.8566% | 1,806 |
| Net loans and leases to deposits | 77.9064% | 2,681 |
| Net loans and leases to core deposits | 105.7451% | 774 |
| Total domestic deposits to total assets | 90.9510% | 556 |
| Equity capital to assets | 8.7898% | 5,428 |
| Core capital (leverage) ratio | 8.6445% | 5,610 |
| Tier 1 risk-based capital ratio | 10.9991% | 6,284 |
| Total risk-based capital ratio | 12.2143% | 6,262 |
| Memoranda: | ||
| Average total assets | $558,598,000 | 1,197 |
| Average earning assets | $523,416,500 | 1,171 |
| Average equity | $50,289,250 | 1,421 |
| Average total loans | $392,390,000 | 1,093 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 3,070 |
| Cost of funding earning assets | 0.3547% | 5,353 |
| Net interest margin | 3.9166% | 2,160 |
| Noninterest income to average assets | 0.3086% | 5,234 |
| Noninterest expense to average assets | 1.6685% | 6,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2511% | 237 |
| Return on assets (ROA) | 2.2511% | 254 |
| Pretax return on assets | 2.3261% | 336 |
| Return on Equity (ROE) | 24.8039% | 128 |
| Retained earnings to average equity (ytd only) | 1.4698% | 5,285 |
| Net charge-offs to loans | -0.0600% | 6,328 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7690% | 6,760 |
| Assets per employee ($millions) | 10.2054% | 209 |
| Cash dividends to net income (ytd only)* | 94.0743% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 3,212 |
| Loan loss allowance to noncurrent loans | 166.2002% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 1.7571% | 2,480 |
| Noncurrent loans to loans | 0.9528% | 4,025 |
| Net loans and leases to total assets | 72.3167% | 1,522 |
| Net loans and leases to deposits | 79.8999% | 2,335 |
| Net loans and leases to core deposits | 114.8799% | 422 |
| Total domestic deposits to total assets | 90.5091% | 753 |
| Equity capital to assets | 9.2029% | 4,988 |
| Core capital (leverage) ratio | 8.9108% | 5,126 |
| Tier 1 risk-based capital ratio | 11.0826% | 6,298 |
| Total risk-based capital ratio | 12.3339% | 6,274 |
| Memoranda: | ||
| Average total assets | $554,744,000 | 1,206 |
| Average earning assets | $522,081,670 | 1,174 |
| Average equity | $50,347,000 | 1,421 |
| Average total loans | $386,657,000 | 1,105 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 3,625 |
| Cost of funding earning assets | 0.3569% | 5,470 |
| Net interest margin | 3.7675% | 2,578 |
| Noninterest income to average assets | 0.2592% | 5,607 |
| Noninterest expense to average assets | 1.6750% | 6,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0638% | 309 |
| Return on assets (ROA) | 2.0638% | 340 |
| Pretax return on assets | 2.1329% | 462 |
| Return on Equity (ROE) | 22.8946% | 169 |
| Retained earnings to average equity (ytd only) | -1.0665% | 5,961 |
| Net charge-offs to loans | -0.2329% | 6,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9873% | 6,775 |
| Assets per employee ($millions) | 11.3059% | 162 |
| Cash dividends to net income (ytd only)* | 104.6584% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 3,113 |
| Loan loss allowance to noncurrent loans | 145.9959% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 1.7164% | 2,720 |
| Noncurrent loans to loans | 1.1475% | 3,864 |
| Net loans and leases to total assets | 65.1360% | 2,523 |
| Net loans and leases to deposits | 71.5903% | 3,238 |
| Net loans and leases to core deposits | 85.4996% | 2,159 |
| Total domestic deposits to total assets | 90.9844% | 529 |
| Equity capital to assets | 8.7648% | 5,740 |
| Core capital (leverage) ratio | 8.6267% | 5,423 |
| Tier 1 risk-based capital ratio | 11.1821% | 6,325 |
| Total risk-based capital ratio | 12.4340% | 6,304 |
| Memoranda: | ||
| Average total assets | $561,673,000 | 1,205 |
| Average earning assets | $529,044,500 | 1,167 |
| Average equity | $50,632,000 | 1,433 |
| Average total loans | $381,263,000 | 1,118 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 2,369 |
| Cost of funding earning assets | 0.5512% | 4,804 |
| Net interest margin | 4.2068% | 1,641 |
| Noninterest income to average assets | 0.2541% | 5,646 |
| Noninterest expense to average assets | 1.8556% | 6,546 |
| Loan and lease loss provision to assets | 0.1007% | 4,383 |
| Net operating income to assets | 2.1403% | 283 |
| Return on assets (ROA) | 2.3493% | 207 |
| Pretax return on assets | 2.4212% | 284 |
| Return on Equity (ROE) | 23.3493% | 166 |
| Retained earnings to average equity (ytd only) | 3.0520% | 4,087 |
| Net charge-offs to loans | 0.2544% | 3,418 |
| Credit loss provision to net charge-offs | 55.4939% | 4,564 |
| Earnings coverage of net charge-offs (x) | 12.7125% | 1,899 |
| Efficiency ratio | 44.5837% | 6,829 |
| Assets per employee ($millions) | 11.1581% | 173 |
| Cash dividends to net income (ytd only)* | 86.9289% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 3,206 |
| Loan loss allowance to noncurrent loans | 199.5478% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 1.5504% | 3,059 |
| Noncurrent loans to loans | 0.8136% | 4,558 |
| Net loans and leases to total assets | 68.4732% | 2,103 |
| Net loans and leases to deposits | 75.7629% | 2,839 |
| Net loans and leases to core deposits | 91.3132% | 1,695 |
| Total domestic deposits to total assets | 90.3783% | 761 |
| Equity capital to assets | 9.2778% | 5,177 |
| Core capital (leverage) ratio | 9.2391% | 4,512 |
| Tier 1 risk-based capital ratio | 11.5562% | 6,056 |
| Total risk-based capital ratio | 12.8080% | 6,022 |
| Memoranda: | ||
| Average total assets | $496,607,000 | 1,343 |
| Average earning assets | $461,322,800 | 1,321 |
| Average equity | $49,967,200 | 1,423 |
| Average total loans | $354,162,200 | 1,180 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 2,136 |
| Cost of funding earning assets | 0.5724% | 4,892 |
| Net interest margin | 4.2928% | 1,488 |
| Noninterest income to average assets | 0.2256% | 5,940 |
| Noninterest expense to average assets | 1.8851% | 6,546 |
| Loan and lease loss provision to assets | 0.0826% | 4,591 |
| Net operating income to assets | 2.1589% | 309 |
| Return on assets (ROA) | 2.2495% | 290 |
| Pretax return on assets | 2.3236% | 388 |
| Return on Equity (ROE) | 21.8755% | 243 |
| Retained earnings to average equity (ytd only) | 4.1865% | 3,948 |
| Net charge-offs to loans | -0.0004% | 6,182 |
| Credit loss provision to net charge-offs | -30,000.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9052% | 6,869 |
| Assets per employee ($millions) | 10.6780% | 196 |
| Cash dividends to net income (ytd only)* | 80.8620% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8960% | 2,491 |
| Loan loss allowance to noncurrent loans | 172.7341% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 1.7897% | 2,929 |
| Noncurrent loans to loans | 1.0976% | 4,235 |
| Net loans and leases to total assets | 68.0396% | 2,287 |
| Net loans and leases to deposits | 75.7147% | 3,027 |
| Net loans and leases to core deposits | 97.3973% | 1,307 |
| Total domestic deposits to total assets | 89.8632% | 918 |
| Equity capital to assets | 9.7779% | 4,814 |
| Core capital (leverage) ratio | 9.8476% | 3,757 |
| Tier 1 risk-based capital ratio | 11.8862% | 6,004 |
| Total risk-based capital ratio | 13.1430% | 5,987 |
| Memoranda: | ||
| Average total assets | $484,072,500 | 1,391 |
| Average earning assets | $447,933,250 | 1,372 |
| Average equity | $49,777,500 | 1,435 |
| Average total loans | $347,564,750 | 1,215 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 1,939 |
| Cost of funding earning assets | 0.5897% | 4,989 |
| Net interest margin | 4.3558% | 1,322 |
| Noninterest income to average assets | 0.1894% | 6,205 |
| Noninterest expense to average assets | 1.8997% | 6,596 |
| Loan and lease loss provision to assets | 0.1274% | 3,928 |
| Net operating income to assets | 2.1142% | 331 |
| Return on assets (ROA) | 2.1179% | 369 |
| Pretax return on assets | 2.1872% | 492 |
| Return on Equity (ROE) | 20.2285% | 342 |
| Retained earnings to average equity (ytd only) | 3.0091% | 4,640 |
| Net charge-offs to loans | 0.0403% | 4,814 |
| Credit loss provision to net charge-offs | 434.7826% | 681 |
| Earnings coverage of net charge-offs (x) | 78.8696% | 513 |
| Efficiency ratio | 45.1190% | 6,915 |
| Assets per employee ($millions) | 10.1129% | 219 |
| Cash dividends to net income (ytd only)* | 85.1243% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9511% | 2,369 |
| Loan loss allowance to noncurrent loans | 173.2824% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.8414% | 2,980 |
| Noncurrent loans to loans | 1.1260% | 4,275 |
| Net loans and leases to total assets | 67.6796% | 2,329 |
| Net loans and leases to deposits | 75.3588% | 3,068 |
| Net loans and leases to core deposits | 98.8547% | 1,189 |
| Total domestic deposits to total assets | 89.8099% | 1,040 |
| Equity capital to assets | 9.8921% | 4,498 |
| Core capital (leverage) ratio | 10.1263% | 3,232 |
| Tier 1 risk-based capital ratio | 12.1308% | 5,843 |
| Total risk-based capital ratio | 13.3529% | 5,840 |
| Memoranda: | ||
| Average total assets | $471,023,330 | 1,424 |
| Average earning assets | $434,822,330 | 1,404 |
| Average equity | $49,316,670 | 1,441 |
| Average total loans | $342,460,670 | 1,240 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 1,473 |
| Cost of funding earning assets | 0.6167% | 4,994 |
| Net interest margin | 4.5206% | 974 |
| Noninterest income to average assets | 0.1622% | 6,411 |
| Noninterest expense to average assets | 1.9422% | 6,564 |
| Loan and lease loss provision to assets | 0.2645% | 2,343 |
| Net operating income to assets | 2.0332% | 395 |
| Return on assets (ROA) | 2.0383% | 450 |
| Pretax return on assets | 2.1035% | 629 |
| Return on Equity (ROE) | 18.8868% | 466 |
| Retained earnings to average equity (ytd only) | 1.5439% | 5,469 |
| Net charge-offs to loans | 0.3467% | 2,265 |
| Credit loss provision to net charge-offs | 102.0408% | 2,254 |
| Earnings coverage of net charge-offs (x) | 9.1156% | 1,879 |
| Efficiency ratio | 45.1157% | 6,944 |
| Assets per employee ($millions) | 9.7466% | 257 |
| Cash dividends to net income (ytd only)* | 91.8253% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9405% | 2,555 |
| Loan loss allowance to noncurrent loans | 73.7650% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 3.0583% | 1,904 |
| Noncurrent loans to loans | 2.6307% | 2,469 |
| Net loans and leases to total assets | 71.1262% | 1,547 |
| Net loans and leases to deposits | 79.7584% | 2,235 |
| Net loans and leases to core deposits | 105.4704% | 695 |
| Total domestic deposits to total assets | 89.1770% | 1,583 |
| Equity capital to assets | 10.4839% | 3,509 |
| Core capital (leverage) ratio | 10.5092% | 2,740 |
| Tier 1 risk-based capital ratio | 12.7774% | 5,386 |
| Total risk-based capital ratio | 14.0318% | 5,359 |
| Memoranda: | ||
| Average total assets | $453,711,500 | 1,472 |
| Average earning assets | $415,787,000 | 1,467 |
| Average equity | $48,965,500 | 1,441 |
| Average total loans | $339,176,000 | 1,250 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2747% | 1,791 |
| Cost of funding earning assets | 0.8226% | 4,691 |
| Net interest margin | 4.4521% | 1,259 |
| Noninterest income to average assets | 0.1510% | 6,393 |
| Noninterest expense to average assets | 2.0237% | 6,637 |
| Loan and lease loss provision to assets | 0.2928% | 3,317 |
| Net operating income to assets | 1.8284% | 438 |
| Return on assets (ROA) | 1.8725% | 441 |
| Pretax return on assets | 1.9322% | 623 |
| Return on Equity (ROE) | 17.3060% | 445 |
| Retained earnings to average equity (ytd only) | 9.2677% | 731 |
| Net charge-offs to loans | 0.3805% | 3,507 |
| Credit loss provision to net charge-offs | 101.8444% | 3,410 |
| Earnings coverage of net charge-offs (x) | 7.5822% | 2,312 |
| Efficiency ratio | 48.1463% | 6,942 |
| Assets per employee ($millions) | 9.1580% | 308 |
| Cash dividends to net income (ytd only)* | 46.4484% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9406% | 2,447 |
| Loan loss allowance to noncurrent loans | 55.2347% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 3.8143% | 1,514 |
| Noncurrent loans to loans | 3.5135% | 1,828 |
| Net loans and leases to total assets | 75.6242% | 1,003 |
| Net loans and leases to deposits | 85.4443% | 1,739 |
| Net loans and leases to core deposits | 115.0431% | 465 |
| Total domestic deposits to total assets | 88.5071% | 1,847 |
| Equity capital to assets | 11.1203% | 2,867 |
| Core capital (leverage) ratio | 10.9664% | 2,296 |
| Tier 1 risk-based capital ratio | 12.5484% | 5,407 |
| Total risk-based capital ratio | 13.8017% | 5,393 |
| Memoranda: | ||
| Average total assets | $433,808,000 | 1,505 |
| Average earning assets | $394,846,800 | 1,507 |
| Average equity | $46,937,400 | 1,449 |
| Average total loans | $327,750,800 | 1,299 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2785% | 1,948 |
| Cost of funding earning assets | 0.8616% | 4,693 |
| Net interest margin | 4.4170% | 1,359 |
| Noninterest income to average assets | 0.1514% | 6,505 |
| Noninterest expense to average assets | 2.0106% | 6,670 |
| Loan and lease loss provision to assets | 0.3916% | 2,509 |
| Net operating income to assets | 1.6991% | 631 |
| Return on assets (ROA) | 1.7574% | 610 |
| Pretax return on assets | 1.8123% | 936 |
| Return on Equity (ROE) | 16.3581% | 630 |
| Retained earnings to average equity (ytd only) | 10.9417% | 644 |
| Net charge-offs to loans | 0.5342% | 2,633 |
| Credit loss provision to net charge-offs | 97.5422% | 3,511 |
| Earnings coverage of net charge-offs (x) | 5.3395% | 2,818 |
| Efficiency ratio | 48.3967% | 6,935 |
| Assets per employee ($millions) | 10.0728% | 246 |
| Cash dividends to net income (ytd only)* | 33.1111% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9702% | 2,418 |
| Loan loss allowance to noncurrent loans | 61.0404% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 3.5232% | 1,786 |
| Noncurrent loans to loans | 3.2277% | 2,149 |
| Net loans and leases to total assets | 73.2429% | 1,463 |
| Net loans and leases to deposits | 82.5513% | 2,248 |
| Net loans and leases to core deposits | 117.7588% | 446 |
| Total domestic deposits to total assets | 88.7241% | 1,601 |
| Equity capital to assets | 10.9336% | 3,205 |
| Core capital (leverage) ratio | 10.8183% | 2,555 |
| Tier 1 risk-based capital ratio | 12.6913% | 5,337 |
| Total risk-based capital ratio | 13.9109% | 5,340 |
| Memoranda: | ||
| Average total assets | $432,364,000 | 1,520 |
| Average earning assets | $391,841,750 | 1,524 |
| Average equity | $46,451,000 | 1,468 |
| Average total loans | $324,935,750 | 1,313 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3370% | 1,757 |
| Cost of funding earning assets | 0.8930% | 4,730 |
| Net interest margin | 4.4440% | 1,260 |
| Noninterest income to average assets | 0.1278% | 6,688 |
| Noninterest expense to average assets | 2.0114% | 6,764 |
| Loan and lease loss provision to assets | 0.4758% | 2,081 |
| Net operating income to assets | 1.5921% | 742 |
| Return on assets (ROA) | 1.5921% | 787 |
| Pretax return on assets | 1.6401% | 1,180 |
| Return on Equity (ROE) | 14.9098% | 820 |
| Retained earnings to average equity (ytd only) | 11.8212% | 541 |
| Net charge-offs to loans | 0.2379% | 3,698 |
| Credit loss provision to net charge-offs | 265.6250% | 1,145 |
| Earnings coverage of net charge-offs (x) | 11.8125% | 1,671 |
| Efficiency ratio | 48.7342% | 7,020 |
| Assets per employee ($millions) | 10.8156% | 196 |
| Cash dividends to net income (ytd only)* | 20.7149% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2502% | 1,821 |
| Loan loss allowance to noncurrent loans | 68.7572% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 3.4999% | 1,883 |
| Noncurrent loans to loans | 3.2727% | 2,182 |
| Net loans and leases to total assets | 70.4537% | 2,124 |
| Net loans and leases to deposits | 79.1404% | 2,946 |
| Net loans and leases to core deposits | 104.8738% | 993 |
| Total domestic deposits to total assets | 89.0238% | 1,516 |
| Equity capital to assets | 10.7065% | 3,279 |
| Core capital (leverage) ratio | 10.3170% | 2,915 |
| Tier 1 risk-based capital ratio | 12.6187% | 5,244 |
| Total risk-based capital ratio | 13.8403% | 5,229 |
| Memoranda: | ||
| Average total assets | $428,751,330 | 1,539 |
| Average earning assets | $385,869,670 | 1,558 |
| Average equity | $45,782,000 | 1,477 |
| Average total loans | $322,868,330 | 1,331 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3133% | 1,825 |
| Cost of funding earning assets | 0.9122% | 4,833 |
| Net interest margin | 4.4011% | 1,273 |
| Noninterest income to average assets | 0.1841% | 6,407 |
| Noninterest expense to average assets | 2.0588% | 6,719 |
| Loan and lease loss provision to assets | 0.8733% | 932 |
| Net operating income to assets | 1.2140% | 1,489 |
| Return on assets (ROA) | 1.2140% | 1,544 |
| Pretax return on assets | 1.2454% | 2,213 |
| Return on Equity (ROE) | 11.3855% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.3855% | 830 |
| Net charge-offs to loans | 0.2983% | 2,856 |
| Credit loss provision to net charge-offs | 380.1653% | 870 |
| Earnings coverage of net charge-offs (x) | 9.2231% | 1,745 |
| Efficiency ratio | 49.2843% | 7,044 |
| Assets per employee ($millions) | 9.8550% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2134% | 1,929 |
| Loan loss allowance to noncurrent loans | 67.1898% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 3.9139% | 1,705 |
| Noncurrent loans to loans | 3.2943% | 2,285 |
| Net loans and leases to total assets | 72.0742% | 1,709 |
| Net loans and leases to deposits | 80.6280% | 2,591 |
| Net loans and leases to core deposits | 109.4529% | 758 |
| Total domestic deposits to total assets | 89.3911% | 1,539 |
| Equity capital to assets | 10.2910% | 3,424 |
| Core capital (leverage) ratio | 10.5632% | 2,542 |
| Tier 1 risk-based capital ratio | 11.8411% | 5,825 |
| Total risk-based capital ratio | 13.0955% | 5,826 |
| Memoranda: | ||
| Average total assets | $421,407,000 | 1,580 |
| Average earning assets | $382,359,000 | 1,582 |
| Average equity | $44,934,500 | 1,492 |
| Average total loans | $324,496,500 | 1,342 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7143% | 1,519 |
| Cost of funding earning assets | 1.2972% | 3,903 |
| Net interest margin | 4.4171% | 1,423 |
| Noninterest income to average assets | 0.2848% | 5,745 |
| Noninterest expense to average assets | 2.1989% | 6,616 |
| Loan and lease loss provision to assets | 0.6252% | 2,634 |
| Net operating income to assets | 1.4448% | 867 |
| Return on assets (ROA) | 1.0462% | 1,986 |
| Pretax return on assets | 1.0674% | 2,707 |
| Return on Equity (ROE) | 9.8979% | 1,966 |
| Retained earnings to average equity (ytd only) | 9.8979% | 545 |
| Net charge-offs to loans | 0.8062% | 2,616 |
| Credit loss provision to net charge-offs | 97.0297% | 4,786 |
| Earnings coverage of net charge-offs (x) | 3.2582% | 3,449 |
| Efficiency ratio | 51.1577% | 7,049 |
| Assets per employee ($millions) | 9.7400% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0355% | 2,212 |
| Loan loss allowance to noncurrent loans | 106.3585% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 3.4898% | 1,988 |
| Noncurrent loans to loans | 1.9138% | 3,669 |
| Net loans and leases to total assets | 79.0231% | 794 |
| Net loans and leases to deposits | 89.3096% | 1,608 |
| Net loans and leases to core deposits | 124.7786% | 411 |
| Total domestic deposits to total assets | 88.4822% | 1,956 |
| Equity capital to assets | 11.0761% | 2,621 |
| Core capital (leverage) ratio | 10.8948% | 2,233 |
| Tier 1 risk-based capital ratio | 11.8826% | 5,585 |
| Total risk-based capital ratio | 13.1377% | 5,565 |
| Memoranda: | ||
| Average total assets | $391,885,000 | 1,681 |
| Average earning assets | $356,068,600 | 1,684 |
| Average equity | $41,423,000 | 1,601 |
| Average total loans | $313,198,800 | 1,433 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7006% | 1,716 |
| Cost of funding earning assets | 1.3753% | 3,742 |
| Net interest margin | 4.3253% | 1,757 |
| Noninterest income to average assets | 0.2526% | 6,088 |
| Noninterest expense to average assets | 2.0183% | 7,018 |
| Loan and lease loss provision to assets | 0.7350% | 2,083 |
| Net operating income to assets | 1.3957% | 1,109 |
| Return on assets (ROA) | 0.9233% | 2,658 |
| Pretax return on assets | 0.9469% | 3,379 |
| Return on Equity (ROE) | 8.8437% | 2,543 |
| Retained earnings to average equity (ytd only) | 8.8437% | 1,103 |
| Net charge-offs to loans | 0.9120% | 2,175 |
| Credit loss provision to net charge-offs | 101.0813% | 4,273 |
| Earnings coverage of net charge-offs (x) | 2.9760% | 3,643 |
| Efficiency ratio | 48.2590% | 7,258 |
| Assets per employee ($millions) | 9.5993% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0919% | 2,017 |
| Loan loss allowance to noncurrent loans | 177.6295% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 2.6091% | 2,771 |
| Noncurrent loans to loans | 1.1777% | 4,892 |
| Net loans and leases to total assets | 77.2449% | 1,170 |
| Net loans and leases to deposits | 90.4859% | 1,652 |
| Net loans and leases to core deposits | 144.2888% | 222 |
| Total domestic deposits to total assets | 85.3668% | 3,423 |
| Equity capital to assets | 10.6533% | 3,343 |
| Core capital (leverage) ratio | 10.7503% | 2,469 |
| Tier 1 risk-based capital ratio | 11.3903% | 6,029 |
| Total risk-based capital ratio | 12.6005% | 6,048 |
| Memoranda: | ||
| Average total assets | $390,021,500 | 1,714 |
| Average earning assets | $354,340,000 | 1,711 |
| Average equity | $40,721,000 | 1,629 |
| Average total loans | $310,966,750 | 1,464 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6573% | 1,918 |
| Cost of funding earning assets | 1.4559% | 3,526 |
| Net interest margin | 4.2014% | 2,154 |
| Noninterest income to average assets | 0.1903% | 6,543 |
| Noninterest expense to average assets | 1.9453% | 7,191 |
| Loan and lease loss provision to assets | 0.9076% | 1,604 |
| Net operating income to assets | 1.1540% | 1,686 |
| Return on assets (ROA) | 0.5917% | 4,054 |
| Pretax return on assets | 0.5980% | 4,570 |
| Return on Equity (ROE) | 5.7082% | 3,936 |
| Retained earnings to average equity (ytd only) | 5.7082% | 2,488 |
| Net charge-offs to loans | 0.9747% | 1,901 |
| Credit loss provision to net charge-offs | 116.3564% | 3,488 |
| Earnings coverage of net charge-offs (x) | 2.6582% | 3,668 |
| Efficiency ratio | 48.4062% | 7,320 |
| Assets per employee ($millions) | 9.3311% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2042% | 1,745 |
| Loan loss allowance to noncurrent loans | 301.4906% | 960 |
| Noncurrent assets plus other real estate owned to assets | 2.3888% | 3,014 |
| Noncurrent loans to loans | 0.7311% | 5,792 |
| Net loans and leases to total assets | 79.7551% | 834 |
| Net loans and leases to deposits | 93.8678% | 1,292 |
| Net loans and leases to core deposits | 156.9754% | 182 |
| Total domestic deposits to total assets | 84.9653% | 3,648 |
| Equity capital to assets | 10.8193% | 3,060 |
| Core capital (leverage) ratio | 10.7252% | 2,449 |
| Tier 1 risk-based capital ratio | 11.4520% | 5,822 |
| Total risk-based capital ratio | 12.6672% | 5,825 |
| Memoranda: | ||
| Average total assets | $385,638,000 | 1,745 |
| Average earning assets | $351,407,000 | 1,741 |
| Average equity | $39,977,670 | 1,666 |
| Average total loans | $308,594,330 | 1,483 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5165% | 2,508 |
| Cost of funding earning assets | 1.4700% | 3,736 |
| Net interest margin | 4.0465% | 2,666 |
| Noninterest income to average assets | 0.1178% | 7,105 |
| Noninterest expense to average assets | 1.8576% | 7,402 |
| Loan and lease loss provision to assets | 1.0331% | 1,198 |
| Net operating income to assets | 0.9054% | 2,523 |
| Return on assets (ROA) | 0.4670% | 4,675 |
| Pretax return on assets | 0.4845% | 5,019 |
| Return on Equity (ROE) | 4.6040% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.6040% | 3,379 |
| Net charge-offs to loans | 0.8967% | 1,778 |
| Credit loss provision to net charge-offs | 145.3488% | 2,450 |
| Earnings coverage of net charge-offs (x) | 2.7776% | 3,161 |
| Efficiency ratio | 48.4767% | 7,407 |
| Assets per employee ($millions) | 10.0784% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2797% | 1,610 |
| Loan loss allowance to noncurrent loans | 107.5600% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 2.7828% | 2,613 |
| Noncurrent loans to loans | 2.1195% | 3,626 |
| Net loans and leases to total assets | 75.7173% | 1,605 |
| Net loans and leases to deposits | 88.4135% | 2,155 |
| Net loans and leases to core deposits | 174.5398% | 146 |
| Total domestic deposits to total assets | 85.6400% | 3,347 |
| Equity capital to assets | 10.0815% | 3,766 |
| Core capital (leverage) ratio | 10.4752% | 2,644 |
| Tier 1 risk-based capital ratio | 11.2735% | 5,875 |
| Total risk-based capital ratio | 12.4740% | 5,885 |
| Memoranda: | ||
| Average total assets | $387,169,000 | 1,780 |
| Average earning assets | $355,368,500 | 1,759 |
| Average equity | $39,270,500 | 1,711 |
| Average total loans | $306,891,000 | 1,538 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8563% | 2,415 |
| Cost of funding earning assets | 1.7399% | 4,306 |
| Net interest margin | 4.1164% | 2,380 |
| Noninterest income to average assets | 0.0899% | 7,309 |
| Noninterest expense to average assets | 1.9556% | 7,433 |
| Loan and lease loss provision to assets | 2.7520% | 674 |
| Net operating income to assets | -0.7670% | 6,415 |
| Return on assets (ROA) | -0.6142% | 6,280 |
| Pretax return on assets | -0.6074% | 6,105 |
| Return on Equity (ROE) | -6.0243% | 6,303 |
| Retained earnings to average equity (ytd only) | -15.9400% | 6,933 |
| Net charge-offs to loans | 2.3187% | 1,003 |
| Credit loss provision to net charge-offs | 142.9987% | 3,359 |
| Earnings coverage of net charge-offs (x) | 1.0350% | 5,075 |
| Efficiency ratio | 49.5410% | 7,560 |
| Assets per employee ($millions) | 9.7764% | 278 |
| Cash dividends to net income (ytd only)* | -164.5963% | 7,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1444% | 1,744 |
| Loan loss allowance to noncurrent loans | 73.6123% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.3626% | 2,939 |
| Noncurrent loans to loans | 2.9131% | 2,647 |
| Net loans and leases to total assets | 79.3629% | 1,122 |
| Net loans and leases to deposits | 92.4615% | 1,821 |
| Net loans and leases to core deposits | 128.4501% | 1,368 |
| Total domestic deposits to total assets | 85.8335% | 3,092 |
| Equity capital to assets | 10.2064% | 3,502 |
| Core capital (leverage) ratio | 10.5965% | 2,504 |
| Tier 1 risk-based capital ratio | 11.5509% | 5,345 |
| Total risk-based capital ratio | 12.7609% | 5,348 |
| Memoranda: | ||
| Average total assets | $366,999,200 | 1,851 |
| Average earning assets | $343,919,200 | 1,816 |
| Average equity | $37,415,200 | 1,791 |
| Average total loans | $304,610,800 | 1,578 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8832% | 2,522 |
| Cost of funding earning assets | 1.7864% | 4,438 |
| Net interest margin | 4.0968% | 2,411 |
| Noninterest income to average assets | 0.0547% | 7,629 |
| Noninterest expense to average assets | 1.8938% | 7,555 |
| Loan and lease loss provision to assets | 1.3794% | 1,391 |
| Net operating income to assets | 0.6314% | 3,491 |
| Return on assets (ROA) | 0.9047% | 2,477 |
| Pretax return on assets | 0.9414% | 3,092 |
| Return on Equity (ROE) | 8.8766% | 2,310 |
| Retained earnings to average equity (ytd only) | -4.4779% | 6,185 |
| Net charge-offs to loans | 0.8994% | 2,168 |
| Credit loss provision to net charge-offs | 183.6834% | 2,487 |
| Earnings coverage of net charge-offs (x) | 2.7113% | 3,872 |
| Efficiency ratio | 48.1889% | 7,655 |
| Assets per employee ($millions) | 8.8653% | 383 |
| Cash dividends to net income (ytd only)* | 150.4459% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 2,651 |
| Loan loss allowance to noncurrent loans | 66.6290% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 2.1392% | 3,175 |
| Noncurrent loans to loans | 2.5430% | 2,966 |
| Net loans and leases to total assets | 82.6953% | 714 |
| Net loans and leases to deposits | 96.0451% | 1,569 |
| Net loans and leases to core deposits | 136.4285% | 1,078 |
| Total domestic deposits to total assets | 86.1005% | 2,649 |
| Equity capital to assets | 9.7294% | 4,453 |
| Core capital (leverage) ratio | 10.1465% | 3,120 |
| Tier 1 risk-based capital ratio | 10.8750% | 6,081 |
| Total risk-based capital ratio | 12.1222% | 6,043 |
| Memoranda: | ||
| Average total assets | $363,429,000 | 1,885 |
| Average earning assets | $343,771,250 | 1,832 |
| Average equity | $37,040,250 | 1,836 |
| Average total loans | $303,457,000 | 1,598 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9666% | 2,318 |
| Cost of funding earning assets | 1.8685% | 4,429 |
| Net interest margin | 4.0981% | 2,329 |
| Noninterest income to average assets | 0.0544% | 7,720 |
| Noninterest expense to average assets | 1.8743% | 7,658 |
| Loan and lease loss provision to assets | 1.1430% | 1,503 |
| Net operating income to assets | 0.8867% | 2,510 |
| Return on assets (ROA) | 1.3000% | 1,310 |
| Pretax return on assets | 1.3533% | 1,860 |
| Return on Equity (ROE) | 12.5592% | 1,271 |
| Retained earnings to average equity (ytd only) | -1.3615% | 5,582 |
| Net charge-offs to loans | 0.7035% | 2,293 |
| Credit loss provision to net charge-offs | 195.0758% | 2,343 |
| Earnings coverage of net charge-offs (x) | 3.5256% | 3,407 |
| Efficiency ratio | 47.5708% | 7,773 |
| Assets per employee ($millions) | 9.0980% | 340 |
| Cash dividends to net income (ytd only)* | 110.8408% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 3,250 |
| Loan loss allowance to noncurrent loans | 176.2361% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 5,614 |
| Noncurrent loans to loans | 0.8457% | 5,530 |
| Net loans and leases to total assets | 83.5129% | 704 |
| Net loans and leases to deposits | 97.5807% | 1,589 |
| Net loans and leases to core deposits | 137.5646% | 1,125 |
| Total domestic deposits to total assets | 85.5834% | 2,971 |
| Equity capital to assets | 10.1520% | 3,766 |
| Core capital (leverage) ratio | 10.5838% | 2,742 |
| Tier 1 risk-based capital ratio | 11.1166% | 5,756 |
| Total risk-based capital ratio | 12.3708% | 5,667 |
| Memoranda: | ||
| Average total assets | $360,457,330 | 1,924 |
| Average earning assets | $341,770,000 | 1,856 |
| Average equity | $37,311,330 | 1,823 |
| Average total loans | $300,203,330 | 1,648 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9013% | 2,788 |
| Cost of funding earning assets | 1.9930% | 4,169 |
| Net interest margin | 3.9084% | 3,009 |
| Noninterest income to average assets | 0.0580% | 7,788 |
| Noninterest expense to average assets | 1.7406% | 7,776 |
| Loan and lease loss provision to assets | 1.1820% | 1,095 |
| Net operating income to assets | 0.8170% | 3,059 |
| Return on assets (ROA) | 1.2912% | 1,496 |
| Pretax return on assets | 1.3381% | 2,158 |
| Return on Equity (ROE) | 12.3538% | 1,555 |
| Retained earnings to average equity (ytd only) | -3.4672% | 6,360 |
| Net charge-offs to loans | 0.2202% | 3,317 |
| Credit loss provision to net charge-offs | 650.3067% | 887 |
| Earnings coverage of net charge-offs (x) | 11.1472% | 1,894 |
| Efficiency ratio | 46.2108% | 7,834 |
| Assets per employee ($millions) | 9.4153% | 318 |
| Cash dividends to net income (ytd only)* | 128.0656% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 3,014 |
| Loan loss allowance to noncurrent loans | 50.9993% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 2.3982% | 2,388 |
| Noncurrent loans to loans | 2.9342% | 2,223 |
| Net loans and leases to total assets | 80.5094% | 1,294 |
| Net loans and leases to deposits | 93.9695% | 2,267 |
| Net loans and leases to core deposits | 127.1496% | 1,840 |
| Total domestic deposits to total assets | 85.6761% | 2,883 |
| Equity capital to assets | 10.0774% | 3,904 |
| Core capital (leverage) ratio | 10.4811% | 2,949 |
| Tier 1 risk-based capital ratio | 11.1340% | 5,779 |
| Total risk-based capital ratio | 12.3851% | 5,697 |
| Memoranda: | ||
| Average total assets | $358,726,000 | 1,937 |
| Average earning assets | $340,397,000 | 1,873 |
| Average equity | $37,494,500 | 1,819 |
| Average total loans | $296,046,000 | 1,684 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1599% | 4,726 |
| Cost of funding earning assets | 2.1535% | 5,813 |
| Net interest margin | 4.0064% | 3,083 |
| Noninterest income to average assets | 0.0549% | 7,871 |
| Noninterest expense to average assets | 1.6289% | 7,936 |
| Loan and lease loss provision to assets | 0.4658% | 2,969 |
| Net operating income to assets | 1.7670% | 587 |
| Return on assets (ROA) | 1.7206% | 623 |
| Pretax return on assets | 1.7589% | 1,027 |
| Return on Equity (ROE) | 15.5869% | 835 |
| Retained earnings to average equity (ytd only) | 0.4021% | 5,001 |
| Net charge-offs to loans | 0.2535% | 3,743 |
| Credit loss provision to net charge-offs | 244.6319% | 1,905 |
| Earnings coverage of net charge-offs (x) | 11.9325% | 2,313 |
| Efficiency ratio | 41.7577% | 8,076 |
| Assets per employee ($millions) | 8.7564% | 369 |
| Cash dividends to net income (ytd only)* | 97.4202% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 4,304 |
| Loan loss allowance to noncurrent loans | 239.4404% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 5,937 |
| Noncurrent loans to loans | 0.5141% | 5,809 |
| Net loans and leases to total assets | 82.3340% | 1,170 |
| Net loans and leases to deposits | 97.2322% | 2,246 |
| Net loans and leases to core deposits | 124.2858% | 2,302 |
| Total domestic deposits to total assets | 84.6777% | 2,991 |
| Equity capital to assets | 10.8450% | 3,167 |
| Core capital (leverage) ratio | 10.9672% | 2,615 |
| Tier 1 risk-based capital ratio | 11.5891% | 5,163 |
| Total risk-based capital ratio | 12.6993% | 5,190 |
| Memoranda: | ||
| Average total assets | $342,432,000 | 1,938 |
| Average earning assets | $328,721,600 | 1,859 |
| Average equity | $37,801,000 | 1,786 |
| Average total loans | $257,219,800 | 1,860 |