Home > Hilltop National Bank > Performance and Condition Ratios
Hilltop National 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 | 4.2136% | 4,154 |
| Cost of funding earning assets | 0.8953% | 4,077 |
| Net interest margin | 3.3182% | 2,738 |
| Noninterest income to average assets | 1.1000% | 513 |
| Noninterest expense to average assets | 2.6653% | 1,857 |
| Loan and lease loss provision to assets | 0.1600% | 793 |
| Net operating income to assets | 1.4754% | 1,137 |
| Return on assets (ROA) | 1.4754% | 1,132 |
| Pretax return on assets | 1.4754% | 1,568 |
| Return on Equity (ROE) | 18.9500% | 540 |
| Retained earnings to average equity (ytd only) | -73.0840% | 4,474 |
| Net charge-offs to loans | 0.0255% | 1,480 |
| Credit loss provision to net charge-offs | 1,205.8824% | 309 |
| Earnings coverage of net charge-offs (x) | 122.4118% | 618 |
| Efficiency ratio | 61.9561% | 2,716 |
| Assets per employee ($millions) | 7.8342% | 1,680 |
| Cash dividends to net income (ytd only)* | 485.7409% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,108 |
| Loan loss allowance to noncurrent loans | 330,500.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,810 |
| Noncurrent loans to loans | 0.0004% | 3,781 |
| Net loans and leases to total assets | 50.1000% | 3,567 |
| Net loans and leases to deposits | 54.2505% | 3,723 |
| Net loans and leases to core deposits | 57.3083% | 3,787 |
| Total domestic deposits to total assets | 92.3400% | 216 |
| Equity capital to assets | 7.0527% | 4,019 |
| Core capital (leverage) ratio | 11.9820% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,017,239,000 | 999 |
| Average earning assets | $980,643,000 | 963 |
| Average equity | $79,213,000 | 1,248 |
| Average total loans | $532,528,500 | 1,256 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 4,212 |
| Cost of funding earning assets | 0.8486% | 4,139 |
| Net interest margin | 3.2779% | 2,548 |
| Noninterest income to average assets | 1.2200% | 439 |
| Noninterest expense to average assets | 2.6047% | 2,008 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.6658% | 699 |
| Return on assets (ROA) | 1.4752% | 945 |
| Pretax return on assets | 1.4752% | 1,341 |
| Return on Equity (ROE) | 19.0700% | 468 |
| Retained earnings to average equity (ytd only) | 16.3174% | 99 |
| Net charge-offs to loans | 0.0285% | 2,008 |
| Credit loss provision to net charge-offs | 486.4286% | 654 |
| Earnings coverage of net charge-offs (x) | 122.5857% | 705 |
| Efficiency ratio | 59.9571% | 3,171 |
| Assets per employee ($millions) | 7.1731% | 2,055 |
| Cash dividends to net income (ytd only)* | 14.4290% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,180 |
| Loan loss allowance to noncurrent loans | 13,552.1739% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 3,749 |
| Noncurrent loans to loans | 0.0088% | 3,697 |
| Net loans and leases to total assets | 53.5300% | 3,429 |
| Net loans and leases to deposits | 58.9298% | 3,577 |
| Net loans and leases to core deposits | 62.4100% | 3,669 |
| Total domestic deposits to total assets | 90.8400% | 560 |
| Equity capital to assets | 8.6071% | 3,105 |
| Core capital (leverage) ratio | 13.6729% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $986,555,000 | 1,020 |
| Average earning assets | $940,061,400 | 992 |
| Average equity | $76,323,600 | 1,245 |
| Average total loans | $491,453,800 | 1,314 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 4,265 |
| Cost of funding earning assets | 0.8379% | 4,171 |
| Net interest margin | 3.2054% | 2,681 |
| Noninterest income to average assets | 1.1500% | 477 |
| Noninterest expense to average assets | 2.5372% | 2,133 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 1.5952% | 817 |
| Return on assets (ROA) | 1.3407% | 1,230 |
| Pretax return on assets | 1.3407% | 1,661 |
| Return on Equity (ROE) | 17.8100% | 608 |
| Retained earnings to average equity (ytd only) | 14.0678% | 286 |
| Net charge-offs to loans | 0.0223% | 1,907 |
| Credit loss provision to net charge-offs | 69.1358% | 1,926 |
| Earnings coverage of net charge-offs (x) | 152.8642% | 611 |
| Efficiency ratio | 60.4105% | 3,122 |
| Assets per employee ($millions) | 8.0170% | 1,502 |
| Cash dividends to net income (ytd only)* | 21.0337% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,554 |
| Loan loss allowance to noncurrent loans | 11,808.3333% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,782 |
| Noncurrent loans to loans | 0.0096% | 3,726 |
| Net loans and leases to total assets | 45.8500% | 3,831 |
| Net loans and leases to deposits | 50.4775% | 3,937 |
| Net loans and leases to core deposits | 52.8325% | 3,981 |
| Total domestic deposits to total assets | 90.8300% | 395 |
| Equity capital to assets | 8.5088% | 3,398 |
| Core capital (leverage) ratio | 13.2005% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $992,894,000 | 1,009 |
| Average earning assets | $943,338,750 | 986 |
| Average equity | $74,721,750 | 1,262 |
| Average total loans | $484,124,500 | 1,324 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 4,268 |
| Cost of funding earning assets | 0.8200% | 4,164 |
| Net interest margin | 3.2020% | 2,628 |
| Noninterest income to average assets | 1.1500% | 483 |
| Noninterest expense to average assets | 2.5791% | 2,017 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.6246% | 768 |
| Return on assets (ROA) | 1.6176% | 773 |
| Pretax return on assets | 1.6176% | 1,101 |
| Return on Equity (ROE) | 22.5900% | 316 |
| Retained earnings to average equity (ytd only) | 22.5883% | 89 |
| Net charge-offs to loans | 0.0292% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 114.8286% | 715 |
| Efficiency ratio | 60.7749% | 3,135 |
| Assets per employee ($millions) | 7.3073% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 2,457 |
| Loan loss allowance to noncurrent loans | 7,809.7222% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 3,747 |
| Noncurrent loans to loans | 0.0148% | 3,674 |
| Net loans and leases to total assets | 49.3600% | 3,679 |
| Net loans and leases to deposits | 53.7417% | 3,820 |
| Net loans and leases to core deposits | 56.3481% | 3,891 |
| Total domestic deposits to total assets | 91.8500% | 289 |
| Equity capital to assets | 7.6163% | 3,668 |
| Core capital (leverage) ratio | 13.1287% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $965,765,333 | 1,052 |
| Average earning assets | $932,477,000 | 993 |
| Average equity | $69,159,667 | 1,318 |
| Average total loans | $479,421,667 | 1,336 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8856% | 4,339 |
| Cost of funding earning assets | 0.8071% | 4,163 |
| Net interest margin | 3.0784% | 2,844 |
| Noninterest income to average assets | 1.1000% | 485 |
| Noninterest expense to average assets | 2.6039% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4646% | 954 |
| Return on assets (ROA) | 1.4663% | 961 |
| Pretax return on assets | 1.4663% | 1,314 |
| Return on Equity (ROE) | 21.1500% | 385 |
| Retained earnings to average equity (ytd only) | 21.1541% | 163 |
| Net charge-offs to loans | 0.0428% | 1,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 69.1176% | 830 |
| Efficiency ratio | 64.0012% | 2,817 |
| Assets per employee ($millions) | 7.3197% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 2,320 |
| Loan loss allowance to noncurrent loans | 4,340.0000% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,705 |
| Noncurrent loans to loans | 0.0275% | 3,584 |
| Net loans and leases to total assets | 48.3900% | 3,689 |
| Net loans and leases to deposits | 52.2844% | 3,838 |
| Net loans and leases to core deposits | 54.8037% | 3,945 |
| Total domestic deposits to total assets | 92.5400% | 243 |
| Equity capital to assets | 6.9614% | 3,916 |
| Core capital (leverage) ratio | 12.8676% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $962,715,000 | 1,057 |
| Average earning assets | $927,744,500 | 999 |
| Average equity | $66,729,500 | 1,342 |
| Average total loans | $476,451,500 | 1,340 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 4,228 |
| Cost of funding earning assets | 0.6081% | 4,060 |
| Net interest margin | 3.1444% | 2,991 |
| Noninterest income to average assets | 1.1400% | 523 |
| Noninterest expense to average assets | 2.5586% | 2,134 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.6060% | 858 |
| Return on assets (ROA) | 1.4434% | 1,100 |
| Pretax return on assets | 1.4434% | 1,547 |
| Return on Equity (ROE) | 27.1100% | 246 |
| Retained earnings to average equity (ytd only) | 23.4705% | 86 |
| Net charge-offs to loans | 0.0166% | 2,044 |
| Credit loss provision to net charge-offs | 65.7895% | 2,118 |
| Earnings coverage of net charge-offs (x) | 207.9737% | 573 |
| Efficiency ratio | 61.3621% | 2,930 |
| Assets per employee ($millions) | 7.3224% | 1,855 |
| Cash dividends to net income (ytd only)* | 13.4171% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,373 |
| Loan loss allowance to noncurrent loans | 4,312.8788% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 3,374 |
| Noncurrent loans to loans | 0.0275% | 3,547 |
| Net loans and leases to total assets | 49.4200% | 3,630 |
| Net loans and leases to deposits | 53.3998% | 3,820 |
| Net loans and leases to core deposits | 56.0214% | 3,910 |
| Total domestic deposits to total assets | 92.5500% | 223 |
| Equity capital to assets | 6.9011% | 3,974 |
| Core capital (leverage) ratio | 11.8822% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $981,094,200 | 1,003 |
| Average earning assets | $946,268,600 | 956 |
| Average equity | $52,240,000 | 1,549 |
| Average total loans | $457,941,000 | 1,329 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 4,318 |
| Cost of funding earning assets | 0.5453% | 4,069 |
| Net interest margin | 3.0383% | 3,261 |
| Noninterest income to average assets | 1.0200% | 619 |
| Noninterest expense to average assets | 2.4136% | 2,481 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.5358% | 1,052 |
| Return on assets (ROA) | 1.4398% | 1,217 |
| Pretax return on assets | 1.4398% | 1,693 |
| Return on Equity (ROE) | 29.1400% | 244 |
| Retained earnings to average equity (ytd only) | 29.1381% | 97 |
| Net charge-offs to loans | 0.0138% | 1,898 |
| Credit loss provision to net charge-offs | 106.3830% | 1,574 |
| Earnings coverage of net charge-offs (x) | 242.8511% | 521 |
| Efficiency ratio | 61.0084% | 2,840 |
| Assets per employee ($millions) | 7.6213% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,334 |
| Loan loss allowance to noncurrent loans | 1,986.8056% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,522 |
| Noncurrent loans to loans | 0.0606% | 3,319 |
| Net loans and leases to total assets | 46.3100% | 3,818 |
| Net loans and leases to deposits | 48.7161% | 3,980 |
| Net loans and leases to core deposits | 50.7517% | 4,019 |
| Total domestic deposits to total assets | 95.0600% | 121 |
| Equity capital to assets | 4.4879% | 4,338 |
| Core capital (leverage) ratio | 12.1884% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $986,559,750 | 1,001 |
| Average earning assets | $952,116,750 | 951 |
| Average equity | $48,750,500 | 1,634 |
| Average total loans | $452,484,750 | 1,331 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 4,327 |
| Cost of funding earning assets | 0.4736% | 4,030 |
| Net interest margin | 3.0439% | 3,331 |
| Noninterest income to average assets | 1.0300% | 539 |
| Noninterest expense to average assets | 2.4281% | 2,412 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.5253% | 1,055 |
| Return on assets (ROA) | 1.4203% | 1,261 |
| Pretax return on assets | 1.4203% | 1,763 |
| Return on Equity (ROE) | 27.8600% | 269 |
| Retained earnings to average equity (ytd only) | 27.8588% | 90 |
| Net charge-offs to loans | 0.0139% | 1,670 |
| Credit loss provision to net charge-offs | 161.2903% | 1,153 |
| Earnings coverage of net charge-offs (x) | 242.0968% | 519 |
| Efficiency ratio | 61.2605% | 2,816 |
| Assets per employee ($millions) | 7.4016% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,235 |
| Loan loss allowance to noncurrent loans | 12,751.1111% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,835 |
| Noncurrent loans to loans | 0.0097% | 3,719 |
| Net loans and leases to total assets | 46.1200% | 3,792 |
| Net loans and leases to deposits | 48.9435% | 3,955 |
| Net loans and leases to core deposits | 50.9516% | 3,990 |
| Total domestic deposits to total assets | 94.2200% | 138 |
| Equity capital to assets | 5.2252% | 4,340 |
| Core capital (leverage) ratio | 11.9299% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $977,536,667 | 996 |
| Average earning assets | $943,455,667 | 952 |
| Average equity | $49,837,000 | 1,602 |
| Average total loans | $444,940,667 | 1,329 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4227% | 4,353 |
| Cost of funding earning assets | 0.4152% | 3,925 |
| Net interest margin | 3.0075% | 3,584 |
| Noninterest income to average assets | 0.9700% | 606 |
| Noninterest expense to average assets | 2.4460% | 2,380 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.4172% | 1,360 |
| Return on assets (ROA) | 1.4130% | 1,343 |
| Pretax return on assets | 1.4130% | 1,857 |
| Return on Equity (ROE) | 28.0700% | 287 |
| Retained earnings to average equity (ytd only) | 28.0736% | 135 |
| Net charge-offs to loans | 0.0092% | 1,600 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 348.8000% | 323 |
| Efficiency ratio | 62.9803% | 2,569 |
| Assets per employee ($millions) | 7.2611% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,036 |
| Loan loss allowance to noncurrent loans | 52,354.5455% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 3,926 |
| Noncurrent loans to loans | 0.0025% | 3,845 |
| Net loans and leases to total assets | 44.6000% | 3,838 |
| Net loans and leases to deposits | 47.5041% | 3,980 |
| Net loans and leases to core deposits | 49.5739% | 4,005 |
| Total domestic deposits to total assets | 93.8900% | 182 |
| Equity capital to assets | 5.6198% | 4,312 |
| Core capital (leverage) ratio | 11.7273% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $970,395,000 | 1,016 |
| Average earning assets | $939,371,000 | 967 |
| Average equity | $48,843,000 | 1,641 |
| Average total loans | $435,852,000 | 1,365 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0469% | 4,078 |
| Cost of funding earning assets | 0.1792% | 3,914 |
| Net interest margin | 2.8677% | 3,757 |
| Noninterest income to average assets | 1.0200% | 618 |
| Noninterest expense to average assets | 2.3472% | 2,590 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.3776% | 1,182 |
| Return on assets (ROA) | 1.3741% | 1,155 |
| Pretax return on assets | 1.3741% | 1,848 |
| Return on Equity (ROE) | 21.8600% | 344 |
| Retained earnings to average equity (ytd only) | 16.9992% | 175 |
| Net charge-offs to loans | 0.0059% | 2,208 |
| Credit loss provision to net charge-offs | 2,916.6667% | 197 |
| Earnings coverage of net charge-offs (x) | 592.6250% | 293 |
| Efficiency ratio | 61.8318% | 2,787 |
| Assets per employee ($millions) | 7.0628% | 1,926 |
| Cash dividends to net income (ytd only)* | 22.2403% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 1,748 |
| Loan loss allowance to noncurrent loans | 5,552.4272% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 3,779 |
| Noncurrent loans to loans | 0.0240% | 3,623 |
| Net loans and leases to total assets | 44.0400% | 3,893 |
| Net loans and leases to deposits | 46.1477% | 4,051 |
| Net loans and leases to core deposits | 48.4425% | 4,043 |
| Total domestic deposits to total assets | 95.4400% | 109 |
| Equity capital to assets | 4.4348% | 4,467 |
| Core capital (leverage) ratio | 11.3303% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $981,638,200 | 996 |
| Average earning assets | $949,173,400 | 948 |
| Average equity | $61,703,000 | 1,374 |
| Average total loans | $407,798,400 | 1,371 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9249% | 4,025 |
| Cost of funding earning assets | 0.1254% | 4,073 |
| Net interest margin | 2.7996% | 3,735 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.2651% | 2,731 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3764% | 1,150 |
| Return on assets (ROA) | 1.3712% | 1,139 |
| Pretax return on assets | 1.3712% | 1,811 |
| Return on Equity (ROE) | 20.3600% | 403 |
| Retained earnings to average equity (ytd only) | 14.3400% | 426 |
| Net charge-offs to loans | 0.0106% | 1,720 |
| Credit loss provision to net charge-offs | 1,250.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 330.8750% | 439 |
| Efficiency ratio | 61.2927% | 2,935 |
| Assets per employee ($millions) | 6.9938% | 1,944 |
| Cash dividends to net income (ytd only)* | 29.5567% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 2,124 |
| Loan loss allowance to noncurrent loans | 2,019.0299% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,647 |
| Noncurrent loans to loans | 0.0634% | 3,422 |
| Net loans and leases to total assets | 44.1900% | 3,865 |
| Net loans and leases to deposits | 45.9665% | 4,028 |
| Net loans and leases to core deposits | 48.1462% | 4,023 |
| Total domestic deposits to total assets | 96.1300% | 120 |
| Equity capital to assets | 3.6009% | 4,534 |
| Core capital (leverage) ratio | 11.0124% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $986,911,000 | 1,000 |
| Average earning assets | $953,841,000 | 955 |
| Average equity | $66,479,250 | 1,313 |
| Average total loans | $402,559,000 | 1,376 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7843% | 4,007 |
| Cost of funding earning assets | 0.0928% | 4,263 |
| Net interest margin | 2.6914% | 3,714 |
| Noninterest income to average assets | 0.9976% | 673 |
| Noninterest expense to average assets | 2.1665% | 2,953 |
| Loan and lease loss provision to assets | 0.0200% | 2,243 |
| Net operating income to assets | 1.4114% | 881 |
| Return on assets (ROA) | 1.4016% | 879 |
| Pretax return on assets | 1.4016% | 1,435 |
| Return on Equity (ROE) | 18.1512% | 459 |
| Retained earnings to average equity (ytd only) | 10.3898% | 928 |
| Net charge-offs to loans | 0.0071% | 1,739 |
| Credit loss provision to net charge-offs | 714.2857% | 509 |
| Earnings coverage of net charge-offs (x) | 511.7857% | 254 |
| Efficiency ratio | 60.2165% | 3,268 |
| Assets per employee ($millions) | 7.1926% | 1,813 |
| Cash dividends to net income (ytd only)* | 42.7594% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,356 |
| Loan loss allowance to noncurrent loans | 18,317.8571% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,036 |
| Noncurrent loans to loans | 0.0069% | 3,947 |
| Net loans and leases to total assets | 41.8507% | 3,984 |
| Net loans and leases to deposits | 44.3816% | 4,097 |
| Net loans and leases to core deposits | 46.5250% | 4,100 |
| Total domestic deposits to total assets | 94.2974% | 232 |
| Equity capital to assets | 5.3385% | 4,410 |
| Core capital (leverage) ratio | 10.2763% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,001,161,667 | 978 |
| Average earning assets | $967,220,333 | 939 |
| Average equity | $77,306,333 | 1,203 |
| Average total loans | $395,877,000 | 1,394 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5933% | 4,128 |
| Cost of funding earning assets | 0.0804% | 4,353 |
| Net interest margin | 2.5129% | 3,881 |
| Noninterest income to average assets | 0.8513% | 926 |
| Noninterest expense to average assets | 2.0762% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2069% | 1,232 |
| Return on assets (ROA) | 1.2026% | 1,231 |
| Pretax return on assets | 1.2026% | 1,807 |
| Return on Equity (ROE) | 13.6113% | 911 |
| Retained earnings to average equity (ytd only) | 6.9759% | 1,899 |
| Net charge-offs to loans | 0.0082% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 386.0000% | 262 |
| Efficiency ratio | 63.2381% | 3,108 |
| Assets per employee ($millions) | 8.2025% | 1,255 |
| Cash dividends to net income (ytd only)* | 48.7488% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,477 |
| Loan loss allowance to noncurrent loans | 600.8353% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,288 |
| Noncurrent loans to loans | 0.2122% | 2,762 |
| Net loans and leases to total assets | 36.2822% | 4,191 |
| Net loans and leases to deposits | 39.1416% | 4,280 |
| Net loans and leases to core deposits | 40.8269% | 4,285 |
| Total domestic deposits to total assets | 92.6946% | 349 |
| Equity capital to assets | 7.0142% | 4,207 |
| Core capital (leverage) ratio | 10.1794% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,023,431,500 | 957 |
| Average earning assets | $990,395,000 | 924 |
| Average equity | $90,425,000 | 1,082 |
| Average total loans | $391,074,500 | 1,396 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5767% | 4,426 |
| Cost of funding earning assets | 0.0827% | 4,516 |
| Net interest margin | 2.4940% | 4,199 |
| Noninterest income to average assets | 0.9918% | 1,018 |
| Noninterest expense to average assets | 2.1174% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2869% | 1,642 |
| Return on assets (ROA) | 1.3070% | 1,620 |
| Pretax return on assets | 1.3070% | 2,334 |
| Return on Equity (ROE) | 12.2744% | 1,722 |
| Retained earnings to average equity (ytd only) | 6.4859% | 2,136 |
| Net charge-offs to loans | -0.0846% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1978% | 2,842 |
| Assets per employee ($millions) | 7.2562% | 1,759 |
| Cash dividends to net income (ytd only)* | 47.1590% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,349 |
| Loan loss allowance to noncurrent loans | 942.6168% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,593 |
| Noncurrent loans to loans | 0.1382% | 3,239 |
| Net loans and leases to total assets | 39.3084% | 4,132 |
| Net loans and leases to deposits | 44.2897% | 4,163 |
| Net loans and leases to core deposits | 46.4958% | 4,163 |
| Total domestic deposits to total assets | 88.7529% | 1,642 |
| Equity capital to assets | 10.8481% | 1,905 |
| Core capital (leverage) ratio | 9.6625% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,005,896,800 | 954 |
| Average earning assets | $973,049,600 | 925 |
| Average equity | $107,108,800 | 954 |
| Average total loans | $376,900,200 | 1,436 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5515% | 4,540 |
| Cost of funding earning assets | 0.0836% | 4,620 |
| Net interest margin | 2.4679% | 4,330 |
| Noninterest income to average assets | 0.9597% | 1,134 |
| Noninterest expense to average assets | 2.0337% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3137% | 1,780 |
| Return on assets (ROA) | 1.3274% | 1,799 |
| Pretax return on assets | 1.3274% | 2,549 |
| Return on Equity (ROE) | 12.5225% | 1,855 |
| Retained earnings to average equity (ytd only) | 6.9420% | 2,442 |
| Net charge-offs to loans | -0.1133% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7540% | 2,872 |
| Assets per employee ($millions) | 8.2897% | 1,134 |
| Cash dividends to net income (ytd only)* | 44.5633% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 2,393 |
| Loan loss allowance to noncurrent loans | 918.3971% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 3,825 |
| Noncurrent loans to loans | 0.1437% | 3,395 |
| Net loans and leases to total assets | 33.6794% | 4,482 |
| Net loans and leases to deposits | 37.4715% | 4,528 |
| Net loans and leases to core deposits | 39.0751% | 4,540 |
| Total domestic deposits to total assets | 89.8799% | 819 |
| Equity capital to assets | 9.7861% | 3,119 |
| Core capital (leverage) ratio | 10.1713% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,014,288,000 | 964 |
| Average earning assets | $981,310,000 | 933 |
| Average equity | $107,516,000 | 966 |
| Average total loans | $374,312,500 | 1,470 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5605% | 4,576 |
| Cost of funding earning assets | 0.0857% | 4,662 |
| Net interest margin | 2.4748% | 4,335 |
| Noninterest income to average assets | 1.0203% | 1,037 |
| Noninterest expense to average assets | 2.0712% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3386% | 1,750 |
| Return on assets (ROA) | 1.3609% | 1,755 |
| Pretax return on assets | 1.3609% | 2,435 |
| Return on Equity (ROE) | 12.4737% | 1,884 |
| Retained earnings to average equity (ytd only) | 7.3262% | 2,314 |
| Net charge-offs to loans | -0.0005% | 3,047 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7415% | 2,904 |
| Assets per employee ($millions) | 7.1835% | 1,670 |
| Cash dividends to net income (ytd only)* | 41.2665% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,714 |
| Loan loss allowance to noncurrent loans | 24,868.4211% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,323 |
| Noncurrent loans to loans | 0.0050% | 4,231 |
| Net loans and leases to total assets | 38.4359% | 4,370 |
| Net loans and leases to deposits | 43.3610% | 4,405 |
| Net loans and leases to core deposits | 45.4636% | 4,412 |
| Total domestic deposits to total assets | 88.6416% | 1,479 |
| Equity capital to assets | 11.0055% | 1,964 |
| Core capital (leverage) ratio | 10.3854% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $979,347,333 | 983 |
| Average earning assets | $945,605,333 | 949 |
| Average equity | $106,849,000 | 967 |
| Average total loans | $371,766,333 | 1,478 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4507% | 4,686 |
| Cost of funding earning assets | 0.0870% | 4,713 |
| Net interest margin | 2.3636% | 4,455 |
| Noninterest income to average assets | 0.9913% | 1,144 |
| Noninterest expense to average assets | 2.0466% | 3,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2271% | 2,052 |
| Return on assets (ROA) | 1.2777% | 1,973 |
| Pretax return on assets | 1.2777% | 2,633 |
| Return on Equity (ROE) | 11.7619% | 2,107 |
| Retained earnings to average equity (ytd only) | 7.0676% | 2,554 |
| Net charge-offs to loans | -0.0054% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5171% | 2,671 |
| Assets per employee ($millions) | 7.6318% | 1,380 |
| Cash dividends to net income (ytd only)* | 39.9106% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,694 |
| Loan loss allowance to noncurrent loans | 730.9119% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,928 |
| Noncurrent loans to loans | 0.1702% | 3,498 |
| Net loans and leases to total assets | 36.4344% | 4,484 |
| Net loans and leases to deposits | 40.6747% | 4,540 |
| Net loans and leases to core deposits | 42.5201% | 4,548 |
| Total domestic deposits to total assets | 89.5751% | 1,033 |
| Equity capital to assets | 10.1113% | 2,604 |
| Core capital (leverage) ratio | 10.6668% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $980,540,000 | 972 |
| Average earning assets | $946,850,500 | 938 |
| Average equity | $106,513,500 | 959 |
| Average total loans | $367,535,000 | 1,497 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7490% | 4,772 |
| Cost of funding earning assets | 0.1430% | 4,746 |
| Net interest margin | 2.6060% | 4,494 |
| Noninterest income to average assets | 1.0817% | 913 |
| Noninterest expense to average assets | 2.2917% | 3,427 |
| Loan and lease loss provision to assets | 0.1850% | 2,100 |
| Net operating income to assets | 1.1131% | 1,874 |
| Return on assets (ROA) | 1.1208% | 1,960 |
| Pretax return on assets | 1.1208% | 2,620 |
| Return on Equity (ROE) | 9.5240% | 2,190 |
| Retained earnings to average equity (ytd only) | 6.8964% | 1,430 |
| Net charge-offs to loans | 0.1261% | 1,245 |
| Credit loss provision to net charge-offs | 400.4914% | 1,430 |
| Earnings coverage of net charge-offs (x) | 28.1057% | 1,665 |
| Efficiency ratio | 63.8395% | 2,851 |
| Assets per employee ($millions) | 6.8947% | 1,649 |
| Cash dividends to net income (ytd only)* | 27.5893% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 2,269 |
| Loan loss allowance to noncurrent loans | 679.7122% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,963 |
| Noncurrent loans to loans | 0.1958% | 3,505 |
| Net loans and leases to total assets | 37.6280% | 4,540 |
| Net loans and leases to deposits | 42.7881% | 4,564 |
| Net loans and leases to core deposits | 45.0027% | 4,573 |
| Total domestic deposits to total assets | 87.9403% | 1,502 |
| Equity capital to assets | 11.6945% | 1,738 |
| Core capital (leverage) ratio | 11.3512% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $881,219,200 | 983 |
| Average earning assets | $848,125,200 | 955 |
| Average equity | $103,706,400 | 933 |
| Average total loans | $322,736,200 | 1,599 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7632% | 4,846 |
| Cost of funding earning assets | 0.1577% | 4,781 |
| Net interest margin | 2.6055% | 4,567 |
| Noninterest income to average assets | 1.0586% | 926 |
| Noninterest expense to average assets | 2.2474% | 3,557 |
| Loan and lease loss provision to assets | 0.2031% | 1,970 |
| Net operating income to assets | 1.1149% | 1,934 |
| Return on assets (ROA) | 1.1241% | 2,022 |
| Pretax return on assets | 1.1241% | 2,664 |
| Return on Equity (ROE) | 9.5356% | 2,194 |
| Retained earnings to average equity (ytd only) | 7.9409% | 1,326 |
| Net charge-offs to loans | 0.1674% | 881 |
| Credit loss provision to net charge-offs | 335.1899% | 1,649 |
| Earnings coverage of net charge-offs (x) | 21.7443% | 1,852 |
| Efficiency ratio | 63.0326% | 2,911 |
| Assets per employee ($millions) | 6.4967% | 1,835 |
| Cash dividends to net income (ytd only)* | 16.7235% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,581 |
| Loan loss allowance to noncurrent loans | 409.8057% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 3,825 |
| Noncurrent loans to loans | 0.2966% | 3,213 |
| Net loans and leases to total assets | 40.4511% | 4,552 |
| Net loans and leases to deposits | 46.2771% | 4,596 |
| Net loans and leases to core deposits | 48.5648% | 4,613 |
| Total domestic deposits to total assets | 87.4107% | 1,487 |
| Equity capital to assets | 12.1897% | 1,577 |
| Core capital (leverage) ratio | 11.6468% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $868,828,000 | 982 |
| Average earning assets | $835,961,000 | 946 |
| Average equity | $102,420,250 | 936 |
| Average total loans | $314,680,500 | 1,629 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8481% | 4,893 |
| Cost of funding earning assets | 0.1726% | 4,828 |
| Net interest margin | 2.6755% | 4,578 |
| Noninterest income to average assets | 1.0240% | 941 |
| Noninterest expense to average assets | 2.2863% | 3,556 |
| Loan and lease loss provision to assets | 0.2878% | 1,493 |
| Net operating income to assets | 1.0226% | 2,244 |
| Return on assets (ROA) | 1.0256% | 2,365 |
| Pretax return on assets | 1.0256% | 2,947 |
| Return on Equity (ROE) | 8.8032% | 2,447 |
| Retained earnings to average equity (ytd only) | 8.8032% | 1,067 |
| Net charge-offs to loans | 0.2684% | 591 |
| Credit loss provision to net charge-offs | 310.0000% | 1,593 |
| Earnings coverage of net charge-offs (x) | 14.1150% | 1,961 |
| Efficiency ratio | 63.5671% | 2,876 |
| Assets per employee ($millions) | 6.3466% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,047 |
| Loan loss allowance to noncurrent loans | 396.8007% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 3,907 |
| Noncurrent loans to loans | 0.3254% | 3,224 |
| Net loans and leases to total assets | 37.8958% | 4,673 |
| Net loans and leases to deposits | 43.3448% | 4,715 |
| Net loans and leases to core deposits | 45.4739% | 4,723 |
| Total domestic deposits to total assets | 87.4287% | 1,442 |
| Equity capital to assets | 12.1755% | 1,550 |
| Core capital (leverage) ratio | 11.2447% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $861,754,000 | 974 |
| Average earning assets | $828,636,000 | 938 |
| Average equity | $100,395,667 | 943 |
| Average total loans | $298,085,667 | 1,670 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9982% | 4,957 |
| Cost of funding earning assets | 0.2135% | 4,860 |
| Net interest margin | 2.7847% | 4,583 |
| Noninterest income to average assets | 0.9861% | 887 |
| Noninterest expense to average assets | 2.4635% | 3,384 |
| Loan and lease loss provision to assets | 0.2808% | 1,105 |
| Net operating income to assets | 0.9159% | 2,464 |
| Return on assets (ROA) | 0.9219% | 2,557 |
| Pretax return on assets | 0.9219% | 3,073 |
| Return on Equity (ROE) | 8.1007% | 2,477 |
| Retained earnings to average equity (ytd only) | 8.1007% | 1,201 |
| Net charge-offs to loans | 0.5692% | 259 |
| Credit loss provision to net charge-offs | 151.1335% | 1,580 |
| Earnings coverage of net charge-offs (x) | 6.4408% | 1,988 |
| Efficiency ratio | 67.3060% | 2,768 |
| Assets per employee ($millions) | 6.6515% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 2,101 |
| Loan loss allowance to noncurrent loans | 410.1883% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,136 |
| Noncurrent loans to loans | 0.3191% | 3,350 |
| Net loans and leases to total assets | 29.9924% | 4,910 |
| Net loans and leases to deposits | 33.6438% | 4,939 |
| Net loans and leases to core deposits | 35.0632% | 4,933 |
| Total domestic deposits to total assets | 89.1470% | 603 |
| Equity capital to assets | 10.5517% | 3,273 |
| Core capital (leverage) ratio | 11.8993% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $854,718,500 | 954 |
| Average earning assets | $820,770,500 | 920 |
| Average equity | $97,275,500 | 964 |
| Average total loans | $279,007,500 | 1,721 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3428% | 4,941 |
| Cost of funding earning assets | 0.2695% | 4,803 |
| Net interest margin | 3.0733% | 4,413 |
| Noninterest income to average assets | 1.1438% | 716 |
| Noninterest expense to average assets | 2.6612% | 2,991 |
| Loan and lease loss provision to assets | 0.0211% | 3,598 |
| Net operating income to assets | 1.4048% | 1,328 |
| Return on assets (ROA) | 1.4050% | 1,404 |
| Pretax return on assets | 1.4050% | 2,139 |
| Return on Equity (ROE) | 11.8369% | 1,575 |
| Retained earnings to average equity (ytd only) | 5.9124% | 1,912 |
| Net charge-offs to loans | 0.0166% | 3,122 |
| Credit loss provision to net charge-offs | 360.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 243.3111% | 341 |
| Efficiency ratio | 65.1128% | 2,912 |
| Assets per employee ($millions) | 5.5988% | 1,975 |
| Cash dividends to net income (ytd only)* | 50.0510% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,053 |
| Loan loss allowance to noncurrent loans | 697.4104% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 4,302 |
| Noncurrent loans to loans | 0.1825% | 3,801 |
| Net loans and leases to total assets | 34.8893% | 4,880 |
| Net loans and leases to deposits | 40.0307% | 4,905 |
| Net loans and leases to core deposits | 42.1616% | 4,899 |
| Total domestic deposits to total assets | 87.1562% | 1,538 |
| Equity capital to assets | 12.3734% | 1,899 |
| Core capital (leverage) ratio | 12.1622% | 1,675 |
| Tier 1 risk-based capital ratio | 28.7580% | 525 |
| Total risk-based capital ratio | 29.8278% | 522 |
| Memoranda: | ||
| Average total assets | $767,893,200 | 1,009 |
| Average earning assets | $735,399,000 | 977 |
| Average equity | $91,146,800 | 968 |
| Average total loans | $270,753,800 | 1,728 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3462% | 5,046 |
| Cost of funding earning assets | 0.2759% | 4,855 |
| Net interest margin | 3.0703% | 4,524 |
| Noninterest income to average assets | 1.1063% | 746 |
| Noninterest expense to average assets | 2.5742% | 3,234 |
| Loan and lease loss provision to assets | 0.0188% | 3,534 |
| Net operating income to assets | 1.4545% | 1,320 |
| Return on assets (ROA) | 1.4545% | 1,375 |
| Pretax return on assets | 1.4545% | 2,099 |
| Return on Equity (ROE) | 12.3878% | 1,483 |
| Retained earnings to average equity (ytd only) | 6.4528% | 2,142 |
| Net charge-offs to loans | 0.0213% | 2,685 |
| Credit loss provision to net charge-offs | 251.1628% | 1,087 |
| Earnings coverage of net charge-offs (x) | 196.6810% | 442 |
| Efficiency ratio | 63.5992% | 3,080 |
| Assets per employee ($millions) | 5.5038% | 2,033 |
| Cash dividends to net income (ytd only)* | 47.9099% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,279 |
| Loan loss allowance to noncurrent loans | 3,964.3678% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,701 |
| Noncurrent loans to loans | 0.0313% | 4,528 |
| Net loans and leases to total assets | 36.1160% | 4,937 |
| Net loans and leases to deposits | 41.6773% | 4,961 |
| Net loans and leases to core deposits | 44.0027% | 4,961 |
| Total domestic deposits to total assets | 86.6562% | 1,709 |
| Equity capital to assets | 12.7109% | 1,781 |
| Core capital (leverage) ratio | 12.5145% | 1,561 |
| Tier 1 risk-based capital ratio | 28.0523% | 574 |
| Total risk-based capital ratio | 29.0922% | 569 |
| Memoranda: | ||
| Average total assets | $765,309,500 | 1,010 |
| Average earning assets | $733,159,250 | 980 |
| Average equity | $89,860,250 | 978 |
| Average total loans | $269,687,500 | 1,745 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3381% | 5,113 |
| Cost of funding earning assets | 0.2802% | 4,876 |
| Net interest margin | 3.0579% | 4,601 |
| Noninterest income to average assets | 1.0828% | 724 |
| Noninterest expense to average assets | 2.5783% | 3,253 |
| Loan and lease loss provision to assets | 0.0070% | 3,585 |
| Net operating income to assets | 1.4246% | 1,363 |
| Return on assets (ROA) | 1.4246% | 1,416 |
| Pretax return on assets | 1.4246% | 2,131 |
| Return on Equity (ROE) | 12.4725% | 1,421 |
| Retained earnings to average equity (ytd only) | 6.5387% | 2,032 |
| Net charge-offs to loans | 0.0082% | 2,846 |
| Credit loss provision to net charge-offs | 245.4545% | 1,037 |
| Earnings coverage of net charge-offs (x) | 499.2727% | 152 |
| Efficiency ratio | 64.2983% | 3,085 |
| Assets per employee ($millions) | 5.3662% | 2,089 |
| Cash dividends to net income (ytd only)* | 47.5755% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,144 |
| Loan loss allowance to noncurrent loans | 4,096.3855% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,746 |
| Noncurrent loans to loans | 0.0310% | 4,563 |
| Net loans and leases to total assets | 35.7512% | 4,985 |
| Net loans and leases to deposits | 41.1412% | 5,025 |
| Net loans and leases to core deposits | 43.5050% | 5,006 |
| Total domestic deposits to total assets | 86.8988% | 1,640 |
| Equity capital to assets | 12.6669% | 1,766 |
| Core capital (leverage) ratio | 12.2009% | 1,701 |
| Tier 1 risk-based capital ratio | 28.3434% | 552 |
| Total risk-based capital ratio | 29.3950% | 545 |
| Memoranda: | ||
| Average total assets | $767,236,670 | 1,007 |
| Average earning assets | $734,432,670 | 982 |
| Average equity | $87,632,670 | 996 |
| Average total loans | $266,996,670 | 1,766 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3033% | 5,169 |
| Cost of funding earning assets | 0.2804% | 4,897 |
| Net interest margin | 3.0229% | 4,713 |
| Noninterest income to average assets | 0.9844% | 843 |
| Noninterest expense to average assets | 2.5002% | 3,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3785% | 1,435 |
| Return on assets (ROA) | 1.3785% | 1,469 |
| Pretax return on assets | 1.3785% | 2,161 |
| Return on Equity (ROE) | 12.7266% | 1,314 |
| Retained earnings to average equity (ytd only) | 6.8127% | 2,113 |
| Net charge-offs to loans | 0.0195% | 2,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 206.9231% | 376 |
| Efficiency ratio | 64.4603% | 3,167 |
| Assets per employee ($millions) | 5.4434% | 2,040 |
| Cash dividends to net income (ytd only)* | 46.4684% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,257 |
| Loan loss allowance to noncurrent loans | 3,965.8824% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,818 |
| Noncurrent loans to loans | 0.0319% | 4,630 |
| Net loans and leases to total assets | 35.0642% | 5,045 |
| Net loans and leases to deposits | 39.8917% | 5,078 |
| Net loans and leases to core deposits | 42.0432% | 5,078 |
| Total domestic deposits to total assets | 87.8985% | 1,391 |
| Equity capital to assets | 11.7009% | 2,233 |
| Core capital (leverage) ratio | 11.6104% | 2,042 |
| Tier 1 risk-based capital ratio | 28.0739% | 554 |
| Total risk-based capital ratio | 29.1222% | 554 |
| Memoranda: | ||
| Average total assets | $780,586,500 | 998 |
| Average earning assets | $747,371,000 | 963 |
| Average equity | $84,547,500 | 1,022 |
| Average total loans | $266,419,500 | 1,776 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1202% | 5,183 |
| Cost of funding earning assets | 0.2012% | 4,996 |
| Net interest margin | 2.9189% | 4,894 |
| Noninterest income to average assets | 1.0588% | 839 |
| Noninterest expense to average assets | 2.5529% | 3,457 |
| Loan and lease loss provision to assets | 0.0109% | 3,916 |
| Net operating income to assets | 1.2965% | 1,817 |
| Return on assets (ROA) | 1.2854% | 1,853 |
| Pretax return on assets | 1.2854% | 2,557 |
| Return on Equity (ROE) | 12.1218% | 1,672 |
| Retained earnings to average equity (ytd only) | 5.7689% | 2,309 |
| Net charge-offs to loans | 0.0232% | 2,947 |
| Credit loss provision to net charge-offs | 133.3333% | 1,985 |
| Earnings coverage of net charge-offs (x) | 160.1000% | 538 |
| Efficiency ratio | 66.1331% | 2,854 |
| Assets per employee ($millions) | 5.9123% | 1,583 |
| Cash dividends to net income (ytd only)* | 52.4087% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,185 |
| Loan loss allowance to noncurrent loans | 3,253.8462% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,839 |
| Noncurrent loans to loans | 0.0391% | 4,583 |
| Net loans and leases to total assets | 32.4309% | 5,162 |
| Net loans and leases to deposits | 36.2539% | 5,193 |
| Net loans and leases to core deposits | 38.0015% | 5,188 |
| Total domestic deposits to total assets | 89.4550% | 678 |
| Equity capital to assets | 10.0247% | 3,665 |
| Core capital (leverage) ratio | 11.9043% | 1,797 |
| Tier 1 risk-based capital ratio | 27.7727% | 576 |
| Total risk-based capital ratio | 28.8287% | 579 |
| Memoranda: | ||
| Average total assets | $734,775,400 | 1,010 |
| Average earning assets | $705,188,400 | 981 |
| Average equity | $77,917,200 | 1,055 |
| Average total loans | $258,705,200 | 1,787 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1405% | 5,226 |
| Cost of funding earning assets | 0.1837% | 5,080 |
| Net interest margin | 2.9567% | 4,909 |
| Noninterest income to average assets | 1.0579% | 849 |
| Noninterest expense to average assets | 2.5792% | 3,345 |
| Loan and lease loss provision to assets | 0.0149% | 3,713 |
| Net operating income to assets | 1.3017% | 1,846 |
| Return on assets (ROA) | 1.2866% | 1,908 |
| Pretax return on assets | 1.2866% | 2,675 |
| Return on Equity (ROE) | 11.9483% | 1,803 |
| Retained earnings to average equity (ytd only) | 5.2902% | 3,066 |
| Net charge-offs to loans | 0.0234% | 2,667 |
| Credit loss provision to net charge-offs | 177.7778% | 1,513 |
| Earnings coverage of net charge-offs (x) | 157.1072% | 519 |
| Efficiency ratio | 66.2046% | 2,831 |
| Assets per employee ($millions) | 5.2310% | 2,194 |
| Cash dividends to net income (ytd only)* | 55.7245% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,081 |
| Loan loss allowance to noncurrent loans | 3,433.3333% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,937 |
| Noncurrent loans to loans | 0.0380% | 4,726 |
| Net loans and leases to total assets | 35.9220% | 5,147 |
| Net loans and leases to deposits | 40.3753% | 5,196 |
| Net loans and leases to core deposits | 42.5332% | 5,189 |
| Total domestic deposits to total assets | 88.9703% | 854 |
| Equity capital to assets | 10.5753% | 3,069 |
| Core capital (leverage) ratio | 12.2211% | 1,659 |
| Tier 1 risk-based capital ratio | 28.0885% | 566 |
| Total risk-based capital ratio | 29.1812% | 562 |
| Memoranda: | ||
| Average total assets | $715,972,750 | 1,038 |
| Average earning assets | $687,179,000 | 1,001 |
| Average equity | $77,096,750 | 1,061 |
| Average total loans | $256,864,000 | 1,804 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0940% | 5,289 |
| Cost of funding earning assets | 0.1707% | 5,152 |
| Net interest margin | 2.9233% | 4,981 |
| Noninterest income to average assets | 1.0775% | 826 |
| Noninterest expense to average assets | 2.5643% | 3,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3220% | 1,694 |
| Return on assets (ROA) | 1.2968% | 1,779 |
| Pretax return on assets | 1.2968% | 2,528 |
| Return on Equity (ROE) | 11.9716% | 1,732 |
| Retained earnings to average equity (ytd only) | 5.2648% | 2,948 |
| Net charge-offs to loans | 0.0274% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 135.1714% | 565 |
| Efficiency ratio | 65.9836% | 2,984 |
| Assets per employee ($millions) | 5.1304% | 2,263 |
| Cash dividends to net income (ytd only)* | 56.0224% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 2,275 |
| Loan loss allowance to noncurrent loans | 2,344.3662% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 4,930 |
| Noncurrent loans to loans | 0.0545% | 4,668 |
| Net loans and leases to total assets | 36.5629% | 5,162 |
| Net loans and leases to deposits | 41.2320% | 5,215 |
| Net loans and leases to core deposits | 43.4608% | 5,205 |
| Total domestic deposits to total assets | 88.6761% | 1,068 |
| Equity capital to assets | 10.9245% | 2,706 |
| Core capital (leverage) ratio | 12.0200% | 1,704 |
| Tier 1 risk-based capital ratio | 28.0512% | 555 |
| Total risk-based capital ratio | 29.1327% | 556 |
| Memoranda: | ||
| Average total assets | $715,750,000 | 1,043 |
| Average earning assets | $687,718,670 | 999 |
| Average equity | $77,533,330 | 1,049 |
| Average total loans | $255,541,670 | 1,819 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0268% | 5,357 |
| Cost of funding earning assets | 0.1483% | 5,279 |
| Net interest margin | 2.8785% | 5,066 |
| Noninterest income to average assets | 0.9798% | 949 |
| Noninterest expense to average assets | 2.4974% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2462% | 1,823 |
| Return on assets (ROA) | 1.1964% | 2,037 |
| Pretax return on assets | 1.1964% | 2,765 |
| Return on Equity (ROE) | 11.0901% | 1,931 |
| Retained earnings to average equity (ytd only) | 3.3886% | 3,853 |
| Net charge-offs to loans | 0.0569% | 1,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 822 |
| Efficiency ratio | 66.7111% | 3,046 |
| Assets per employee ($millions) | 5.1758% | 2,277 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,211 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,961 |
| Noncurrent loans to loans | 0.0818% | 4,616 |
| Net loans and leases to total assets | 35.4082% | 5,226 |
| Net loans and leases to deposits | 39.8528% | 5,268 |
| Net loans and leases to core deposits | 41.9978% | 5,266 |
| Total domestic deposits to total assets | 88.8474% | 1,178 |
| Equity capital to assets | 10.7795% | 2,792 |
| Core capital (leverage) ratio | 11.7112% | 1,839 |
| Tier 1 risk-based capital ratio | 28.2408% | 546 |
| Total risk-based capital ratio | 29.3468% | 550 |
| Memoranda: | ||
| Average total assets | $722,191,000 | 1,043 |
| Average earning assets | $693,415,500 | 1,000 |
| Average equity | $77,907,500 | 1,049 |
| Average total loans | $253,153,500 | 1,836 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7794% | 5,467 |
| Cost of funding earning assets | 0.1261% | 5,381 |
| Net interest margin | 2.6533% | 5,314 |
| Noninterest income to average assets | 0.9928% | 1,034 |
| Noninterest expense to average assets | 2.3453% | 4,217 |
| Loan and lease loss provision to assets | 0.0076% | 4,113 |
| Net operating income to assets | 1.1958% | 1,535 |
| Return on assets (ROA) | 1.1984% | 1,553 |
| Pretax return on assets | 1.1984% | 2,777 |
| Return on Equity (ROE) | 11.9395% | 1,228 |
| Retained earnings to average equity (ytd only) | 6.1172% | 1,472 |
| Net charge-offs to loans | 0.0538% | 2,729 |
| Credit loss provision to net charge-offs | 44.1176% | 3,399 |
| Earnings coverage of net charge-offs (x) | 69.6544% | 858 |
| Efficiency ratio | 66.0879% | 3,251 |
| Assets per employee ($millions) | 5.4066% | 2,042 |
| Cash dividends to net income (ytd only)* | 48.7650% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 2,048 |
| Loan loss allowance to noncurrent loans | 5,175.3846% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 5,129 |
| Noncurrent loans to loans | 0.0258% | 4,903 |
| Net loans and leases to total assets | 33.8014% | 5,347 |
| Net loans and leases to deposits | 38.0437% | 5,390 |
| Net loans and leases to core deposits | 40.0283% | 5,386 |
| Total domestic deposits to total assets | 88.8490% | 1,065 |
| Equity capital to assets | 10.7955% | 2,842 |
| Core capital (leverage) ratio | 11.5058% | 1,937 |
| Tier 1 risk-based capital ratio | 28.0546% | 539 |
| Total risk-based capital ratio | 29.1730% | 536 |
| Memoranda: | ||
| Average total assets | $787,143,800 | 946 |
| Average earning assets | $758,268,000 | 906 |
| Average equity | $79,006,400 | 1,016 |
| Average total loans | $252,710,000 | 1,799 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7313% | 5,550 |
| Cost of funding earning assets | 0.1248% | 5,455 |
| Net interest margin | 2.6065% | 5,401 |
| Noninterest income to average assets | 0.9642% | 1,109 |
| Noninterest expense to average assets | 2.2305% | 4,464 |
| Loan and lease loss provision to assets | 0.0100% | 3,934 |
| Net operating income to assets | 1.2370% | 1,554 |
| Return on assets (ROA) | 1.2365% | 1,583 |
| Pretax return on assets | 1.2365% | 2,761 |
| Return on Equity (ROE) | 12.5367% | 1,177 |
| Retained earnings to average equity (ytd only) | 7.9748% | 1,234 |
| Net charge-offs to loans | 0.0612% | 2,244 |
| Credit loss provision to net charge-offs | 51.7241% | 2,893 |
| Earnings coverage of net charge-offs (x) | 64.5098% | 950 |
| Efficiency ratio | 64.1413% | 3,516 |
| Assets per employee ($millions) | 5.8249% | 1,633 |
| Cash dividends to net income (ytd only)* | 36.3881% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 2,243 |
| Loan loss allowance to noncurrent loans | 3,845.4545% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 5,204 |
| Noncurrent loans to loans | 0.0345% | 4,963 |
| Net loans and leases to total assets | 31.8179% | 5,461 |
| Net loans and leases to deposits | 35.6450% | 5,500 |
| Net loans and leases to core deposits | 37.2258% | 5,506 |
| Total domestic deposits to total assets | 89.2632% | 756 |
| Equity capital to assets | 10.4375% | 3,434 |
| Core capital (leverage) ratio | 11.3482% | 2,147 |
| Tier 1 risk-based capital ratio | 27.5157% | 588 |
| Total risk-based capital ratio | 28.6206% | 590 |
| Memoranda: | ||
| Average total assets | $800,106,250 | 939 |
| Average earning assets | $771,488,750 | 896 |
| Average equity | $78,913,250 | 1,022 |
| Average total loans | $252,911,500 | 1,810 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7053% | 5,593 |
| Cost of funding earning assets | 0.1257% | 5,476 |
| Net interest margin | 2.5796% | 5,450 |
| Noninterest income to average assets | 1.0302% | 956 |
| Noninterest expense to average assets | 2.2662% | 4,432 |
| Loan and lease loss provision to assets | 0.0149% | 3,656 |
| Net operating income to assets | 1.2390% | 1,479 |
| Return on assets (ROA) | 1.2390% | 1,508 |
| Pretax return on assets | 1.2390% | 2,626 |
| Return on Equity (ROE) | 12.8077% | 1,087 |
| Retained earnings to average equity (ytd only) | 9.4596% | 721 |
| Net charge-offs to loans | 0.0651% | 2,004 |
| Credit loss provision to net charge-offs | 73.1707% | 2,346 |
| Earnings coverage of net charge-offs (x) | 61.3780% | 937 |
| Efficiency ratio | 64.3782% | 3,611 |
| Assets per employee ($millions) | 5.3240% | 2,032 |
| Cash dividends to net income (ytd only)* | 26.1412% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 2,214 |
| Loan loss allowance to noncurrent loans | 1,675.4902% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 5,153 |
| Noncurrent loans to loans | 0.0801% | 4,815 |
| Net loans and leases to total assets | 34.4331% | 5,429 |
| Net loans and leases to deposits | 38.9697% | 5,482 |
| Net loans and leases to core deposits | 41.2409% | 5,466 |
| Total domestic deposits to total assets | 88.3587% | 1,273 |
| Equity capital to assets | 11.2894% | 2,503 |
| Core capital (leverage) ratio | 10.7337% | 2,673 |
| Tier 1 risk-based capital ratio | 27.2273% | 597 |
| Total risk-based capital ratio | 28.3444% | 592 |
| Memoranda: | ||
| Average total assets | $802,747,330 | 941 |
| Average earning assets | $774,843,670 | 898 |
| Average equity | $77,656,330 | 1,039 |
| Average total loans | $252,068,670 | 1,812 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5658% | 5,699 |
| Cost of funding earning assets | 0.1201% | 5,562 |
| Net interest margin | 2.4457% | 5,585 |
| Noninterest income to average assets | 1.0641% | 887 |
| Noninterest expense to average assets | 2.1553% | 4,743 |
| Loan and lease loss provision to assets | 0.0286% | 3,195 |
| Net operating income to assets | 1.2470% | 1,385 |
| Return on assets (ROA) | 1.2466% | 1,420 |
| Pretax return on assets | 1.2466% | 2,425 |
| Return on Equity (ROE) | 13.8941% | 826 |
| Retained earnings to average equity (ytd only) | 13.8941% | 303 |
| Net charge-offs to loans | 0.1053% | 1,320 |
| Credit loss provision to net charge-offs | 90.9091% | 1,686 |
| Earnings coverage of net charge-offs (x) | 40.5606% | 1,034 |
| Efficiency ratio | 62.8194% | 4,017 |
| Assets per employee ($millions) | 6.0538% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 2,311 |
| Loan loss allowance to noncurrent loans | 1,184.1379% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 5,061 |
| Noncurrent loans to loans | 0.1140% | 4,739 |
| Net loans and leases to total assets | 30.2701% | 5,580 |
| Net loans and leases to deposits | 33.4735% | 5,625 |
| Net loans and leases to core deposits | 35.4665% | 5,627 |
| Total domestic deposits to total assets | 90.4301% | 499 |
| Equity capital to assets | 9.3787% | 4,417 |
| Core capital (leverage) ratio | 9.8228% | 3,728 |
| Tier 1 risk-based capital ratio | 27.0726% | 621 |
| Total risk-based capital ratio | 28.2021% | 619 |
| Memoranda: | ||
| Average total assets | $839,425,000 | 902 |
| Average earning assets | $812,380,000 | 862 |
| Average equity | $75,312,500 | 1,073 |
| Average total loans | $250,818,000 | 1,830 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4313% | 5,779 |
| Cost of funding earning assets | 0.1095% | 5,660 |
| Net interest margin | 2.3217% | 5,699 |
| Noninterest income to average assets | 0.7870% | 1,798 |
| Noninterest expense to average assets | 1.9334% | 5,315 |
| Loan and lease loss provision to assets | 0.0644% | 3,084 |
| Net operating income to assets | 1.0372% | 2,202 |
| Return on assets (ROA) | 1.1234% | 1,890 |
| Pretax return on assets | 1.1234% | 3,001 |
| Return on Equity (ROE) | 12.7753% | 1,049 |
| Retained earnings to average equity (ytd only) | 6.9343% | 1,257 |
| Net charge-offs to loans | 0.1131% | 2,132 |
| Credit loss provision to net charge-offs | 203.1690% | 1,395 |
| Earnings coverage of net charge-offs (x) | 34.7394% | 1,308 |
| Efficiency ratio | 63.7039% | 3,995 |
| Assets per employee ($millions) | 6.1557% | 1,366 |
| Cash dividends to net income (ytd only)* | 45.7211% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 2,117 |
| Loan loss allowance to noncurrent loans | 1,312.9771% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 4,768 |
| Noncurrent loans to loans | 0.1060% | 4,810 |
| Net loans and leases to total assets | 28.6894% | 5,665 |
| Net loans and leases to deposits | 31.4451% | 5,720 |
| Net loans and leases to core deposits | 33.2711% | 5,717 |
| Total domestic deposits to total assets | 91.2364% | 217 |
| Equity capital to assets | 8.5748% | 5,214 |
| Core capital (leverage) ratio | 9.4853% | 4,103 |
| Tier 1 risk-based capital ratio | 26.8306% | 630 |
| Total risk-based capital ratio | 27.9889% | 625 |
| Memoranda: | ||
| Average total assets | $895,606,400 | 806 |
| Average earning assets | $867,199,400 | 756 |
| Average equity | $78,753,800 | 1,007 |
| Average total loans | $251,064,000 | 1,787 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4253% | 5,845 |
| Cost of funding earning assets | 0.1086% | 5,726 |
| Net interest margin | 2.3167% | 5,767 |
| Noninterest income to average assets | 0.7784% | 1,852 |
| Noninterest expense to average assets | 1.8769% | 5,420 |
| Loan and lease loss provision to assets | 0.0716% | 2,780 |
| Net operating income to assets | 1.0740% | 2,097 |
| Return on assets (ROA) | 1.1851% | 1,793 |
| Pretax return on assets | 1.1851% | 2,890 |
| Return on Equity (ROE) | 13.3991% | 945 |
| Retained earnings to average equity (ytd only) | 7.9152% | 1,209 |
| Net charge-offs to loans | 0.0936% | 2,015 |
| Credit loss provision to net charge-offs | 275.1412% | 1,115 |
| Earnings coverage of net charge-offs (x) | 44.0347% | 1,167 |
| Efficiency ratio | 62.0988% | 4,215 |
| Assets per employee ($millions) | 6.0347% | 1,408 |
| Cash dividends to net income (ytd only)* | 40.9277% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 2,226 |
| Loan loss allowance to noncurrent loans | 1,208.7413% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,860 |
| Noncurrent loans to loans | 0.1153% | 4,877 |
| Net loans and leases to total assets | 29.1535% | 5,729 |
| Net loans and leases to deposits | 32.4446% | 5,780 |
| Net loans and leases to core deposits | 34.2674% | 5,777 |
| Total domestic deposits to total assets | 89.8560% | 530 |
| Equity capital to assets | 9.9303% | 4,206 |
| Core capital (leverage) ratio | 8.3350% | 5,482 |
| Tier 1 risk-based capital ratio | 27.1036% | 632 |
| Total risk-based capital ratio | 28.2870% | 626 |
| Memoranda: | ||
| Average total assets | $907,137,750 | 795 |
| Average earning assets | $878,710,250 | 748 |
| Average equity | $80,232,000 | 990 |
| Average total loans | $252,042,250 | 1,780 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3763% | 5,939 |
| Cost of funding earning assets | 0.1055% | 5,831 |
| Net interest margin | 2.2708% | 5,874 |
| Noninterest income to average assets | 0.7786% | 1,814 |
| Noninterest expense to average assets | 1.7991% | 5,598 |
| Loan and lease loss provision to assets | 0.0854% | 2,442 |
| Net operating income to assets | 1.0969% | 1,968 |
| Return on assets (ROA) | 1.1864% | 1,751 |
| Pretax return on assets | 1.1864% | 2,837 |
| Return on Equity (ROE) | 13.9275% | 847 |
| Retained earnings to average equity (ytd only) | 8.8776% | 883 |
| Net charge-offs to loans | 0.1665% | 1,337 |
| Credit loss provision to net charge-offs | 188.1517% | 1,358 |
| Earnings coverage of net charge-offs (x) | 26.0521% | 1,497 |
| Efficiency ratio | 60.3448% | 4,595 |
| Assets per employee ($millions) | 6.7248% | 987 |
| Cash dividends to net income (ytd only)* | 36.2582% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 2,616 |
| Loan loss allowance to noncurrent loans | 867.9688% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 4,891 |
| Noncurrent loans to loans | 0.1533% | 4,826 |
| Net loans and leases to total assets | 26.0597% | 5,868 |
| Net loans and leases to deposits | 28.5984% | 5,898 |
| Net loans and leases to core deposits | 30.0284% | 5,895 |
| Total domestic deposits to total assets | 91.1228% | 170 |
| Equity capital to assets | 8.7040% | 5,481 |
| Core capital (leverage) ratio | 8.4711% | 5,389 |
| Tier 1 risk-based capital ratio | 26.7607% | 667 |
| Total risk-based capital ratio | 27.9043% | 660 |
| Memoranda: | ||
| Average total assets | $929,910,330 | 775 |
| Average earning assets | $902,074,330 | 737 |
| Average equity | $79,210,330 | 1,003 |
| Average total loans | $253,389,000 | 1,778 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4296% | 5,989 |
| Cost of funding earning assets | 0.1071% | 5,886 |
| Net interest margin | 2.3225% | 5,920 |
| Noninterest income to average assets | 0.7416% | 1,853 |
| Noninterest expense to average assets | 1.8719% | 5,560 |
| Loan and lease loss provision to assets | 0.1464% | 1,443 |
| Net operating income to assets | 0.9757% | 2,392 |
| Return on assets (ROA) | 1.0452% | 2,216 |
| Pretax return on assets | 1.0452% | 3,297 |
| Return on Equity (ROE) | 12.4101% | 1,181 |
| Retained earnings to average equity (ytd only) | 7.2521% | 1,771 |
| Net charge-offs to loans | 0.1554% | 1,193 |
| Credit loss provision to net charge-offs | 340.4040% | 787 |
| Earnings coverage of net charge-offs (x) | 26.0909% | 1,279 |
| Efficiency ratio | 62.5218% | 4,366 |
| Assets per employee ($millions) | 6.6482% | 1,034 |
| Cash dividends to net income (ytd only)* | 41.5628% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,774 |
| Loan loss allowance to noncurrent loans | 1,272.5564% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 4,999 |
| Noncurrent loans to loans | 0.1042% | 5,053 |
| Net loans and leases to total assets | 26.8662% | 5,898 |
| Net loans and leases to deposits | 29.4003% | 5,937 |
| Net loans and leases to core deposits | 30.8773% | 5,935 |
| Total domestic deposits to total assets | 91.3806% | 182 |
| Equity capital to assets | 8.4561% | 5,596 |
| Core capital (leverage) ratio | 8.3372% | 5,534 |
| Tier 1 risk-based capital ratio | 25.4067% | 778 |
| Total risk-based capital ratio | 26.5402% | 777 |
| Memoranda: | ||
| Average total assets | $920,765,000 | 784 |
| Average earning assets | $892,991,500 | 743 |
| Average equity | $77,550,000 | 1,031 |
| Average total loans | $254,868,000 | 1,767 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7008% | 5,933 |
| Cost of funding earning assets | 0.1236% | 5,862 |
| Net interest margin | 2.5772% | 5,773 |
| Noninterest income to average assets | 0.9699% | 1,259 |
| Noninterest expense to average assets | 2.2290% | 4,981 |
| Loan and lease loss provision to assets | 0.0461% | 3,404 |
| Net operating income to assets | 1.1780% | 1,633 |
| Return on assets (ROA) | 1.2283% | 1,520 |
| Pretax return on assets | 1.2283% | 2,554 |
| Return on Equity (ROE) | 13.0057% | 1,059 |
| Retained earnings to average equity (ytd only) | 6.2199% | 1,690 |
| Net charge-offs to loans | 0.0461% | 3,294 |
| Credit loss provision to net charge-offs | 313.0435% | 950 |
| Earnings coverage of net charge-offs (x) | 83.0435% | 678 |
| Efficiency ratio | 64.5509% | 4,155 |
| Assets per employee ($millions) | 6.4581% | 1,118 |
| Cash dividends to net income (ytd only)* | 52.1757% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 3,269 |
| Loan loss allowance to noncurrent loans | 606.3584% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 5,434 |
| Noncurrent loans to loans | 0.2039% | 4,687 |
| Net loans and leases to total assets | 27.8014% | 5,948 |
| Net loans and leases to deposits | 30.4152% | 5,984 |
| Net loans and leases to core deposits | 32.0519% | 5,985 |
| Total domestic deposits to total assets | 91.4061% | 196 |
| Equity capital to assets | 8.3874% | 5,641 |
| Core capital (leverage) ratio | 9.6004% | 4,045 |
| Tier 1 risk-based capital ratio | 25.2413% | 797 |
| Total risk-based capital ratio | 26.3075% | 800 |
| Memoranda: | ||
| Average total assets | $780,154,000 | 889 |
| Average earning assets | $751,696,600 | 848 |
| Average equity | $73,683,200 | 1,038 |
| Average total loans | $249,556,000 | 1,735 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8119% | 5,950 |
| Cost of funding earning assets | 0.1300% | 5,918 |
| Net interest margin | 2.6820% | 5,742 |
| Noninterest income to average assets | 0.9860% | 1,216 |
| Noninterest expense to average assets | 2.2868% | 4,813 |
| Loan and lease loss provision to assets | 0.0160% | 3,950 |
| Net operating income to assets | 1.2615% | 1,448 |
| Return on assets (ROA) | 1.2956% | 1,408 |
| Pretax return on assets | 1.2956% | 2,418 |
| Return on Equity (ROE) | 13.2700% | 1,065 |
| Retained earnings to average equity (ytd only) | 5.9788% | 2,265 |
| Net charge-offs to loans | 0.0510% | 2,880 |
| Credit loss provision to net charge-offs | 94.7368% | 2,393 |
| Earnings coverage of net charge-offs (x) | 75.5600% | 773 |
| Efficiency ratio | 64.1584% | 4,218 |
| Assets per employee ($millions) | 5.2471% | 2,007 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 3,910 |
| Loan loss allowance to noncurrent loans | 1,557.5269% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 5,700 |
| Noncurrent loans to loans | 0.0740% | 5,330 |
| Net loans and leases to total assets | 33.0963% | 5,893 |
| Net loans and leases to deposits | 36.8894% | 5,961 |
| Net loans and leases to core deposits | 39.3604% | 5,936 |
| Total domestic deposits to total assets | 89.7175% | 685 |
| Equity capital to assets | 10.0782% | 4,070 |
| Core capital (leverage) ratio | 9.2337% | 4,687 |
| Tier 1 risk-based capital ratio | 25.4089% | 818 |
| Total risk-based capital ratio | 26.4144% | 826 |
| Memoranda: | ||
| Average total assets | $749,159,500 | 929 |
| Average earning assets | $720,198,750 | 891 |
| Average equity | $73,145,750 | 1,049 |
| Average total loans | $248,318,000 | 1,749 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7930% | 6,024 |
| Cost of funding earning assets | 0.1287% | 5,991 |
| Net interest margin | 2.6643% | 5,806 |
| Noninterest income to average assets | 1.0361% | 1,105 |
| Noninterest expense to average assets | 2.2544% | 4,964 |
| Loan and lease loss provision to assets | 0.0160% | 3,806 |
| Net operating income to assets | 1.3254% | 1,251 |
| Return on assets (ROA) | 1.3390% | 1,264 |
| Pretax return on assets | 1.3390% | 2,211 |
| Return on Equity (ROE) | 13.8632% | 933 |
| Retained earnings to average equity (ytd only) | 6.3965% | 2,006 |
| Net charge-offs to loans | 0.0744% | 2,330 |
| Credit loss provision to net charge-offs | 65.2174% | 2,534 |
| Earnings coverage of net charge-offs (x) | 54.5870% | 899 |
| Efficiency ratio | 62.6950% | 4,563 |
| Assets per employee ($millions) | 5.6172% | 1,641 |
| Cash dividends to net income (ytd only)* | 53.8600% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 4,061 |
| Loan loss allowance to noncurrent loans | 993.0796% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 5,723 |
| Noncurrent loans to loans | 0.1162% | 5,294 |
| Net loans and leases to total assets | 30.3879% | 6,027 |
| Net loans and leases to deposits | 33.4004% | 6,093 |
| Net loans and leases to core deposits | 35.4121% | 6,079 |
| Total domestic deposits to total assets | 90.9805% | 295 |
| Equity capital to assets | 8.8476% | 5,390 |
| Core capital (leverage) ratio | 9.8082% | 3,852 |
| Tier 1 risk-based capital ratio | 24.8323% | 880 |
| Total risk-based capital ratio | 25.8192% | 887 |
| Memoranda: | ||
| Average total assets | $748,768,670 | 928 |
| Average earning assets | $719,365,330 | 897 |
| Average equity | $72,321,000 | 1,064 |
| Average total loans | $247,347,670 | 1,757 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8878% | 6,004 |
| Cost of funding earning assets | 0.1359% | 6,027 |
| Net interest margin | 2.7519% | 5,739 |
| Noninterest income to average assets | 1.0491% | 1,020 |
| Noninterest expense to average assets | 2.4544% | 4,430 |
| Loan and lease loss provision to assets | 0.0167% | 3,506 |
| Net operating income to assets | 1.2144% | 1,505 |
| Return on assets (ROA) | 1.2773% | 1,426 |
| Pretax return on assets | 1.2773% | 2,367 |
| Return on Equity (ROE) | 12.6275% | 1,181 |
| Retained earnings to average equity (ytd only) | 4.3742% | 3,398 |
| Net charge-offs to loans | 0.1427% | 1,395 |
| Credit loss provision to net charge-offs | 34.0909% | 2,234 |
| Earnings coverage of net charge-offs (x) | 25.1364% | 1,277 |
| Efficiency ratio | 66.5962% | 4,054 |
| Assets per employee ($millions) | 5.0728% | 2,264 |
| Cash dividends to net income (ytd only)* | 65.3595% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 4,209 |
| Loan loss allowance to noncurrent loans | 295.6341% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 5,426 |
| Noncurrent loans to loans | 0.3922% | 4,418 |
| Net loans and leases to total assets | 33.1920% | 5,955 |
| Net loans and leases to deposits | 37.0559% | 6,021 |
| Net loans and leases to core deposits | 39.4975% | 5,988 |
| Total domestic deposits to total assets | 89.5727% | 956 |
| Equity capital to assets | 10.2586% | 3,821 |
| Core capital (leverage) ratio | 9.7530% | 3,955 |
| Tier 1 risk-based capital ratio | 24.7207% | 913 |
| Total risk-based capital ratio | 25.7151% | 923 |
| Memoranda: | ||
| Average total assets | $718,717,000 | 967 |
| Average earning assets | $688,547,500 | 932 |
| Average equity | $72,698,500 | 1,056 |
| Average total loans | $246,687,000 | 1,763 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1195% | 5,928 |
| Cost of funding earning assets | 0.1498% | 6,105 |
| Net interest margin | 2.9697% | 5,505 |
| Noninterest income to average assets | 1.1684% | 885 |
| Noninterest expense to average assets | 2.4620% | 4,666 |
| Loan and lease loss provision to assets | 0.0089% | 4,449 |
| Net operating income to assets | 1.5284% | 829 |
| Return on assets (ROA) | 1.5568% | 813 |
| Pretax return on assets | 1.5568% | 1,363 |
| Return on Equity (ROE) | 16.9318% | 499 |
| Retained earnings to average equity (ytd only) | 8.5648% | 810 |
| Net charge-offs to loans | 0.0379% | 4,074 |
| Credit loss provision to net charge-offs | 65.2174% | 3,179 |
| Earnings coverage of net charge-offs (x) | 112.9457% | 468 |
| Efficiency ratio | 61.5618% | 4,979 |
| Assets per employee ($millions) | 5.0139% | 2,303 |
| Cash dividends to net income (ytd only)* | 49.4156% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 4,170 |
| Loan loss allowance to noncurrent loans | 290.4905% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 5,466 |
| Noncurrent loans to loans | 0.4027% | 4,432 |
| Net loans and leases to total assets | 34.6794% | 6,008 |
| Net loans and leases to deposits | 38.6147% | 6,077 |
| Net loans and leases to core deposits | 41.2418% | 6,066 |
| Total domestic deposits to total assets | 89.8088% | 823 |
| Equity capital to assets | 9.9667% | 4,154 |
| Core capital (leverage) ratio | 9.8218% | 3,811 |
| Tier 1 risk-based capital ratio | 22.9637% | 1,090 |
| Total risk-based capital ratio | 23.9168% | 1,109 |
| Memoranda: | ||
| Average total assets | $675,943,400 | 986 |
| Average earning assets | $644,339,400 | 954 |
| Average equity | $62,149,400 | 1,173 |
| Average total loans | $242,491,000 | 1,741 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1353% | 5,976 |
| Cost of funding earning assets | 0.1526% | 6,171 |
| Net interest margin | 2.9826% | 5,536 |
| Noninterest income to average assets | 1.1376% | 933 |
| Noninterest expense to average assets | 2.5084% | 4,502 |
| Loan and lease loss provision to assets | 0.0120% | 4,179 |
| Net operating income to assets | 1.4562% | 1,011 |
| Return on assets (ROA) | 1.4957% | 981 |
| Pretax return on assets | 1.4957% | 1,661 |
| Return on Equity (ROE) | 16.6375% | 603 |
| Retained earnings to average equity (ytd only) | 7.8704% | 1,418 |
| Net charge-offs to loans | 0.0326% | 3,835 |
| Credit loss provision to net charge-offs | 101.6949% | 2,169 |
| Earnings coverage of net charge-offs (x) | 124.7193% | 477 |
| Efficiency ratio | 63.0789% | 4,707 |
| Assets per employee ($millions) | 4.8640% | 2,425 |
| Cash dividends to net income (ytd only)* | 52.6948% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 4,308 |
| Loan loss allowance to noncurrent loans | 291.1706% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 5,605 |
| Noncurrent loans to loans | 0.4070% | 4,686 |
| Net loans and leases to total assets | 35.4286% | 6,052 |
| Net loans and leases to deposits | 39.2644% | 6,142 |
| Net loans and leases to core deposits | 41.9813% | 6,117 |
| Total domestic deposits to total assets | 90.2308% | 638 |
| Equity capital to assets | 9.5689% | 4,714 |
| Core capital (leverage) ratio | 9.9019% | 3,817 |
| Tier 1 risk-based capital ratio | 22.0896% | 1,251 |
| Total risk-based capital ratio | 23.0413% | 1,274 |
| Memoranda: | ||
| Average total assets | $668,190,250 | 1,012 |
| Average earning assets | $636,020,000 | 974 |
| Average equity | $60,071,750 | 1,222 |
| Average total loans | $241,096,250 | 1,758 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1455% | 6,009 |
| Cost of funding earning assets | 0.1547% | 6,240 |
| Net interest margin | 2.9908% | 5,551 |
| Noninterest income to average assets | 1.2084% | 800 |
| Noninterest expense to average assets | 2.5319% | 4,479 |
| Loan and lease loss provision to assets | 0.0182% | 3,903 |
| Net operating income to assets | 1.4972% | 872 |
| Return on assets (ROA) | 1.5157% | 882 |
| Pretax return on assets | 1.5157% | 1,489 |
| Return on Equity (ROE) | 17.2462% | 531 |
| Retained earnings to average equity (ytd only) | 8.8074% | 1,046 |
| Net charge-offs to loans | 0.0226% | 3,755 |
| Credit loss provision to net charge-offs | 222.2222% | 1,072 |
| Earnings coverage of net charge-offs (x) | 185.4074% | 342 |
| Efficiency ratio | 62.5580% | 4,934 |
| Assets per employee ($millions) | 4.6683% | 2,668 |
| Cash dividends to net income (ytd only)* | 48.9315% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 4,330 |
| Loan loss allowance to noncurrent loans | 285.2885% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 5,687 |
| Noncurrent loans to loans | 0.4277% | 4,709 |
| Net loans and leases to total assets | 35.9779% | 6,053 |
| Net loans and leases to deposits | 39.8961% | 6,162 |
| Net loans and leases to core deposits | 42.6432% | 6,125 |
| Total domestic deposits to total assets | 90.1790% | 719 |
| Equity capital to assets | 9.6052% | 4,614 |
| Core capital (leverage) ratio | 9.8948% | 3,749 |
| Tier 1 risk-based capital ratio | 22.5089% | 1,188 |
| Total risk-based capital ratio | 23.5039% | 1,206 |
| Memoranda: | ||
| Average total assets | $660,689,330 | 1,023 |
| Average earning assets | $627,116,670 | 985 |
| Average equity | $58,065,000 | 1,259 |
| Average total loans | $238,915,670 | 1,765 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0929% | 6,134 |
| Cost of funding earning assets | 0.1561% | 6,322 |
| Net interest margin | 2.9368% | 5,679 |
| Noninterest income to average assets | 1.1886% | 786 |
| Noninterest expense to average assets | 2.6486% | 4,119 |
| Loan and lease loss provision to assets | 0.0365% | 3,329 |
| Net operating income to assets | 1.2969% | 1,226 |
| Return on assets (ROA) | 1.2969% | 1,272 |
| Pretax return on assets | 1.2969% | 2,107 |
| Return on Equity (ROE) | 15.4878% | 708 |
| Retained earnings to average equity (ytd only) | 5.6762% | 2,703 |
| Net charge-offs to loans | 0.0591% | 2,569 |
| Credit loss provision to net charge-offs | 171.4286% | 1,153 |
| Earnings coverage of net charge-offs (x) | 62.6000% | 634 |
| Efficiency ratio | 66.5138% | 4,444 |
| Assets per employee ($millions) | 4.6138% | 2,785 |
| Cash dividends to net income (ytd only)* | 63.3505% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 4,368 |
| Loan loss allowance to noncurrent loans | 249.4941% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 5,693 |
| Noncurrent loans to loans | 0.5018% | 4,660 |
| Net loans and leases to total assets | 35.1317% | 6,114 |
| Net loans and leases to deposits | 38.5657% | 6,220 |
| Net loans and leases to core deposits | 41.0910% | 6,197 |
| Total domestic deposits to total assets | 91.0959% | 539 |
| Equity capital to assets | 8.7033% | 5,444 |
| Core capital (leverage) ratio | 9.7263% | 3,959 |
| Tier 1 risk-based capital ratio | 22.0478% | 1,287 |
| Total risk-based capital ratio | 23.0465% | 1,298 |
| Memoranda: | ||
| Average total assets | $657,250,000 | 1,034 |
| Average earning assets | $625,176,500 | 994 |
| Average equity | $55,037,000 | 1,313 |
| Average total loans | $236,801,500 | 1,779 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1789% | 6,161 |
| Cost of funding earning assets | 0.1624% | 6,488 |
| Net interest margin | 3.0165% | 5,543 |
| Noninterest income to average assets | 1.2348% | 915 |
| Noninterest expense to average assets | 2.5378% | 4,653 |
| Loan and lease loss provision to assets | 0.0342% | 4,435 |
| Net operating income to assets | 1.5233% | 782 |
| Return on assets (ROA) | 1.5210% | 823 |
| Pretax return on assets | 1.5210% | 1,380 |
| Return on Equity (ROE) | 16.6608% | 544 |
| Retained earnings to average equity (ytd only) | 9.5175% | 662 |
| Net charge-offs to loans | 0.0247% | 4,928 |
| Credit loss provision to net charge-offs | 372.8814% | 615 |
| Earnings coverage of net charge-offs (x) | 170.0169% | 276 |
| Efficiency ratio | 61.9692% | 5,221 |
| Assets per employee ($millions) | 4.5462% | 2,830 |
| Cash dividends to net income (ytd only)* | 42.8746% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 4,458 |
| Loan loss allowance to noncurrent loans | 224.8276% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 5,696 |
| Noncurrent loans to loans | 0.5501% | 4,614 |
| Net loans and leases to total assets | 36.0398% | 6,201 |
| Net loans and leases to deposits | 39.2836% | 6,328 |
| Net loans and leases to core deposits | 41.9994% | 6,306 |
| Total domestic deposits to total assets | 91.7425% | 345 |
| Equity capital to assets | 8.0371% | 5,990 |
| Core capital (leverage) ratio | 9.6369% | 4,070 |
| Tier 1 risk-based capital ratio | 22.0871% | 1,244 |
| Total risk-based capital ratio | 23.0908% | 1,262 |
| Memoranda: | ||
| Average total assets | $644,060,600 | 1,039 |
| Average earning assets | $610,742,200 | 1,003 |
| Average equity | $58,796,800 | 1,223 |
| Average total loans | $238,434,800 | 1,739 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1784% | 6,225 |
| Cost of funding earning assets | 0.1632% | 6,583 |
| Net interest margin | 3.0153% | 5,557 |
| Noninterest income to average assets | 1.2095% | 995 |
| Noninterest expense to average assets | 2.5672% | 4,495 |
| Loan and lease loss provision to assets | 0.0373% | 4,263 |
| Net operating income to assets | 1.4579% | 968 |
| Return on assets (ROA) | 1.4672% | 1,005 |
| Pretax return on assets | 1.4672% | 1,708 |
| Return on Equity (ROE) | 15.6002% | 697 |
| Retained earnings to average equity (ytd only) | 9.0919% | 1,033 |
| Net charge-offs to loans | 0.0179% | 4,774 |
| Credit loss provision to net charge-offs | 562.5000% | 497 |
| Earnings coverage of net charge-offs (x) | 225.1643% | 258 |
| Efficiency ratio | 63.1934% | 4,948 |
| Assets per employee ($millions) | 4.5915% | 2,733 |
| Cash dividends to net income (ytd only)* | 41.7198% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 4,670 |
| Loan loss allowance to noncurrent loans | 231.8254% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 5,863 |
| Noncurrent loans to loans | 0.5366% | 4,852 |
| Net loans and leases to total assets | 35.3186% | 6,311 |
| Net loans and leases to deposits | 38.4493% | 6,428 |
| Net loans and leases to core deposits | 40.9752% | 6,419 |
| Total domestic deposits to total assets | 91.8577% | 266 |
| Equity capital to assets | 7.9228% | 6,198 |
| Core capital (leverage) ratio | 9.7172% | 4,079 |
| Tier 1 risk-based capital ratio | 21.7923% | 1,352 |
| Total risk-based capital ratio | 22.8005% | 1,365 |
| Memoranda: | ||
| Average total assets | $642,547,750 | 1,050 |
| Average earning assets | $607,960,750 | 1,016 |
| Average equity | $60,433,500 | 1,201 |
| Average total loans | $238,735,250 | 1,735 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1715% | 6,263 |
| Cost of funding earning assets | 0.1641% | 6,652 |
| Net interest margin | 3.0074% | 5,558 |
| Noninterest income to average assets | 1.2717% | 954 |
| Noninterest expense to average assets | 2.5823% | 4,442 |
| Loan and lease loss provision to assets | 0.0376% | 4,196 |
| Net operating income to assets | 1.4962% | 907 |
| Return on assets (ROA) | 1.5103% | 947 |
| Pretax return on assets | 1.5103% | 1,586 |
| Return on Equity (ROE) | 15.2345% | 767 |
| Retained earnings to average equity (ytd only) | 9.8580% | 880 |
| Net charge-offs to loans | 0.0242% | 4,362 |
| Credit loss provision to net charge-offs | 413.7931% | 642 |
| Earnings coverage of net charge-offs (x) | 168.6897% | 295 |
| Efficiency ratio | 62.7361% | 5,061 |
| Assets per employee ($millions) | 4.4892% | 2,828 |
| Cash dividends to net income (ytd only)* | 35.2917% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 5,106 |
| Loan loss allowance to noncurrent loans | 225.1572% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 5,900 |
| Noncurrent loans to loans | 0.5234% | 4,955 |
| Net loans and leases to total assets | 37.4086% | 6,213 |
| Net loans and leases to deposits | 41.2295% | 6,355 |
| Net loans and leases to core deposits | 43.8689% | 6,334 |
| Total domestic deposits to total assets | 90.7324% | 651 |
| Equity capital to assets | 9.0721% | 5,144 |
| Core capital (leverage) ratio | 9.6028% | 4,074 |
| Tier 1 risk-based capital ratio | 21.2696% | 1,431 |
| Total risk-based capital ratio | 22.2496% | 1,469 |
| Memoranda: | ||
| Average total assets | $637,869,330 | 1,056 |
| Average earning assets | $603,311,330 | 1,024 |
| Average equity | $63,238,000 | 1,158 |
| Average total loans | $240,041,330 | 1,723 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1373% | 6,366 |
| Cost of funding earning assets | 0.1648% | 6,749 |
| Net interest margin | 2.9725% | 5,645 |
| Noninterest income to average assets | 1.2928% | 917 |
| Noninterest expense to average assets | 2.7366% | 3,927 |
| Loan and lease loss provision to assets | 0.0377% | 3,959 |
| Net operating income to assets | 1.3211% | 1,225 |
| Return on assets (ROA) | 1.3444% | 1,259 |
| Pretax return on assets | 1.3444% | 2,059 |
| Return on Equity (ROE) | 13.0032% | 1,174 |
| Retained earnings to average equity (ytd only) | 8.7439% | 1,470 |
| Net charge-offs to loans | 0.0352% | 3,529 |
| Credit loss provision to net charge-offs | 285.7143% | 830 |
| Earnings coverage of net charge-offs (x) | 102.8571% | 371 |
| Efficiency ratio | 66.8203% | 4,517 |
| Assets per employee ($millions) | 4.4378% | 3,081 |
| Cash dividends to net income (ytd only)* | 32.7562% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 5,335 |
| Loan loss allowance to noncurrent loans | 206.7647% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 5,920 |
| Noncurrent loans to loans | 0.5650% | 5,024 |
| Net loans and leases to total assets | 37.4876% | 6,183 |
| Net loans and leases to deposits | 41.9060% | 6,324 |
| Net loans and leases to core deposits | 44.6570% | 6,282 |
| Total domestic deposits to total assets | 89.4564% | 1,383 |
| Equity capital to assets | 10.3679% | 3,710 |
| Core capital (leverage) ratio | 9.5639% | 3,982 |
| Tier 1 risk-based capital ratio | 20.9796% | 1,545 |
| Total risk-based capital ratio | 21.9551% | 1,581 |
| Memoranda: | ||
| Average total assets | $635,824,000 | 1,073 |
| Average earning assets | $599,500,500 | 1,043 |
| Average equity | $65,737,500 | 1,123 |
| Average total loans | $238,556,000 | 1,737 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4341% | 6,444 |
| Cost of funding earning assets | 0.2057% | 6,821 |
| Net interest margin | 3.2284% | 5,500 |
| Noninterest income to average assets | 1.2828% | 942 |
| Noninterest expense to average assets | 2.7486% | 4,222 |
| Loan and lease loss provision to assets | 0.0463% | 5,258 |
| Net operating income to assets | 1.5269% | 869 |
| Return on assets (ROA) | 1.5436% | 923 |
| Pretax return on assets | 1.5436% | 1,549 |
| Return on Equity (ROE) | 15.1100% | 797 |
| Retained earnings to average equity (ytd only) | 9.6870% | 662 |
| Net charge-offs to loans | 0.1803% | 3,929 |
| Credit loss provision to net charge-offs | 66.6667% | 4,259 |
| Earnings coverage of net charge-offs (x) | 22.6500% | 1,250 |
| Efficiency ratio | 63.5991% | 4,960 |
| Assets per employee ($millions) | 4.3633% | 3,224 |
| Cash dividends to net income (ytd only)* | 35.8903% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,248 |
| Loan loss allowance to noncurrent loans | 206.6319% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 6,036 |
| Noncurrent loans to loans | 0.5677% | 5,113 |
| Net loans and leases to total assets | 36.6740% | 6,394 |
| Net loans and leases to deposits | 41.0152% | 6,504 |
| Net loans and leases to core deposits | 43.6871% | 6,480 |
| Total domestic deposits to total assets | 89.4155% | 1,294 |
| Equity capital to assets | 10.3101% | 3,745 |
| Core capital (leverage) ratio | 8.7037% | 5,325 |
| Tier 1 risk-based capital ratio | 20.6562% | 1,531 |
| Total risk-based capital ratio | 21.6263% | 1,561 |
| Memoranda: | ||
| Average total assets | $604,703,400 | 1,098 |
| Average earning assets | $569,237,200 | 1,059 |
| Average equity | $61,773,600 | 1,152 |
| Average total loans | $232,890,000 | 1,751 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4648% | 6,546 |
| Cost of funding earning assets | 0.2123% | 6,927 |
| Net interest margin | 3.2525% | 5,538 |
| Noninterest income to average assets | 1.2647% | 925 |
| Noninterest expense to average assets | 2.6734% | 4,485 |
| Loan and lease loss provision to assets | 0.0536% | 5,076 |
| Net operating income to assets | 1.6046% | 834 |
| Return on assets (ROA) | 1.6222% | 889 |
| Pretax return on assets | 1.6222% | 1,502 |
| Return on Equity (ROE) | 15.9192% | 752 |
| Retained earnings to average equity (ytd only) | 10.6560% | 748 |
| Net charge-offs to loans | 0.2379% | 3,295 |
| Credit loss provision to net charge-offs | 57.9710% | 4,206 |
| Earnings coverage of net charge-offs (x) | 17.9226% | 1,597 |
| Efficiency ratio | 61.7190% | 5,199 |
| Assets per employee ($millions) | 4.1936% | 3,487 |
| Cash dividends to net income (ytd only)* | 33.0624% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 5,500 |
| Loan loss allowance to noncurrent loans | 1,175.5365% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 6,674 |
| Noncurrent loans to loans | 0.0981% | 6,370 |
| Net loans and leases to total assets | 38.3439% | 6,399 |
| Net loans and leases to deposits | 42.9527% | 6,556 |
| Net loans and leases to core deposits | 45.8717% | 6,518 |
| Total domestic deposits to total assets | 89.2701% | 1,264 |
| Equity capital to assets | 10.5005% | 3,845 |
| Core capital (leverage) ratio | 9.1522% | 4,828 |
| Tier 1 risk-based capital ratio | 20.6557% | 1,605 |
| Total risk-based capital ratio | 21.6314% | 1,635 |
| Memoranda: | ||
| Average total assets | $596,617,750 | 1,124 |
| Average earning assets | $562,594,500 | 1,084 |
| Average equity | $60,797,000 | 1,181 |
| Average total loans | $232,011,750 | 1,771 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4847% | 6,625 |
| Cost of funding earning assets | 0.2202% | 6,992 |
| Net interest margin | 3.2645% | 5,551 |
| Noninterest income to average assets | 1.3081% | 830 |
| Noninterest expense to average assets | 2.6405% | 4,644 |
| Loan and lease loss provision to assets | 0.0609% | 4,889 |
| Net operating income to assets | 1.6801% | 701 |
| Return on assets (ROA) | 1.7017% | 750 |
| Pretax return on assets | 1.7017% | 1,252 |
| Return on Equity (ROE) | 16.8767% | 655 |
| Retained earnings to average equity (ytd only) | 11.8459% | 608 |
| Net charge-offs to loans | 0.0182% | 5,158 |
| Credit loss provision to net charge-offs | 857.1429% | 377 |
| Earnings coverage of net charge-offs (x) | 245.1429% | 176 |
| Efficiency ratio | 60.2655% | 5,535 |
| Assets per employee ($millions) | 4.1926% | 3,467 |
| Cash dividends to net income (ytd only)* | 29.8092% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 4,860 |
| Loan loss allowance to noncurrent loans | 211.1340% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 6,170 |
| Noncurrent loans to loans | 0.6190% | 5,275 |
| Net loans and leases to total assets | 38.1607% | 6,468 |
| Net loans and leases to deposits | 42.6409% | 6,618 |
| Net loans and leases to core deposits | 46.2625% | 6,559 |
| Total domestic deposits to total assets | 89.4934% | 1,223 |
| Equity capital to assets | 10.2969% | 3,938 |
| Core capital (leverage) ratio | 8.8391% | 5,148 |
| Tier 1 risk-based capital ratio | 20.5650% | 1,557 |
| Total risk-based capital ratio | 21.6798% | 1,570 |
| Memoranda: | ||
| Average total assets | $591,404,000 | 1,131 |
| Average earning assets | $556,776,330 | 1,091 |
| Average equity | $59,632,670 | 1,193 |
| Average total loans | $230,181,330 | 1,780 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5295% | 6,656 |
| Cost of funding earning assets | 0.2270% | 7,063 |
| Net interest margin | 3.3025% | 5,469 |
| Noninterest income to average assets | 1.2299% | 941 |
| Noninterest expense to average assets | 2.7973% | 4,042 |
| Loan and lease loss provision to assets | 0.0823% | 4,360 |
| Net operating income to assets | 1.4535% | 1,112 |
| Return on assets (ROA) | 1.4693% | 1,212 |
| Pretax return on assets | 1.4693% | 1,967 |
| Return on Equity (ROE) | 14.7343% | 1,030 |
| Retained earnings to average equity (ytd only) | 9.5752% | 1,390 |
| Net charge-offs to loans | 0.0299% | 4,267 |
| Credit loss provision to net charge-offs | 705.8824% | 501 |
| Earnings coverage of net charge-offs (x) | 131.7059% | 269 |
| Efficiency ratio | 64.5560% | 4,826 |
| Assets per employee ($millions) | 4.0691% | 3,861 |
| Cash dividends to net income (ytd only)* | 35.0140% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 4,873 |
| Loan loss allowance to noncurrent loans | 214.3568% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 6,294 |
| Noncurrent loans to loans | 0.6214% | 5,407 |
| Net loans and leases to total assets | 37.6064% | 6,521 |
| Net loans and leases to deposits | 41.8376% | 6,670 |
| Net loans and leases to core deposits | 45.5238% | 6,597 |
| Total domestic deposits to total assets | 89.8866% | 1,145 |
| Equity capital to assets | 9.9189% | 4,232 |
| Core capital (leverage) ratio | 8.8776% | 5,025 |
| Tier 1 risk-based capital ratio | 20.3011% | 1,640 |
| Total risk-based capital ratio | 21.4239% | 1,641 |
| Memoranda: | ||
| Average total assets | $583,140,500 | 1,154 |
| Average earning assets | $547,950,500 | 1,109 |
| Average equity | $58,150,000 | 1,223 |
| Average total loans | $227,740,500 | 1,806 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 6,652 |
| Cost of funding earning assets | 0.3068% | 7,097 |
| Net interest margin | 3.5611% | 4,888 |
| Noninterest income to average assets | 1.2279% | 869 |
| Noninterest expense to average assets | 2.9623% | 3,734 |
| Loan and lease loss provision to assets | 0.0188% | 6,335 |
| Net operating income to assets | 1.6074% | 652 |
| Return on assets (ROA) | 1.6149% | 698 |
| Pretax return on assets | 1.6149% | 1,170 |
| Return on Equity (ROE) | 16.4487% | 546 |
| Retained earnings to average equity (ytd only) | 11.2719% | 376 |
| Net charge-offs to loans | 0.2971% | 3,921 |
| Credit loss provision to net charge-offs | 15.1976% | 5,967 |
| Earnings coverage of net charge-offs (x) | 13.1292% | 1,565 |
| Efficiency ratio | 64.5594% | 5,027 |
| Assets per employee ($millions) | 3.9191% | 4,033 |
| Cash dividends to net income (ytd only)* | 31.4722% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 5,054 |
| Loan loss allowance to noncurrent loans | 207.0362% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 6,354 |
| Noncurrent loans to loans | 0.6143% | 5,487 |
| Net loans and leases to total assets | 39.5211% | 6,573 |
| Net loans and leases to deposits | 44.0324% | 6,721 |
| Net loans and leases to core deposits | 48.1693% | 6,630 |
| Total domestic deposits to total assets | 89.7546% | 1,127 |
| Equity capital to assets | 10.0269% | 4,137 |
| Core capital (leverage) ratio | 8.9001% | 4,939 |
| Tier 1 risk-based capital ratio | 19.8586% | 1,673 |
| Total risk-based capital ratio | 20.9465% | 1,671 |
| Memoranda: | ||
| Average total assets | $531,237,200 | 1,256 |
| Average earning assets | $501,338,600 | 1,208 |
| Average equity | $52,156,200 | 1,309 |
| Average total loans | $221,488,200 | 1,862 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9213% | 6,709 |
| Cost of funding earning assets | 0.3256% | 7,171 |
| Net interest margin | 3.5956% | 4,790 |
| Noninterest income to average assets | 1.2427% | 839 |
| Noninterest expense to average assets | 2.9842% | 3,612 |
| Loan and lease loss provision to assets | 0.0256% | 6,130 |
| Net operating income to assets | 1.6322% | 730 |
| Return on assets (ROA) | 1.6376% | 790 |
| Pretax return on assets | 1.6376% | 1,285 |
| Return on Equity (ROE) | 16.7777% | 595 |
| Retained earnings to average equity (ytd only) | 9.6985% | 927 |
| Net charge-offs to loans | 0.0061% | 6,094 |
| Credit loss provision to net charge-offs | 1,000.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 647.9460% | 55 |
| Efficiency ratio | 64.2869% | 5,019 |
| Assets per employee ($millions) | 3.8176% | 4,271 |
| Cash dividends to net income (ytd only)* | 42.1941% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 3,696 |
| Loan loss allowance to noncurrent loans | 1,568.7225% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 6,952 |
| Noncurrent loans to loans | 0.1016% | 6,676 |
| Net loans and leases to total assets | 39.1780% | 6,700 |
| Net loans and leases to deposits | 43.6730% | 6,847 |
| Net loans and leases to core deposits | 47.8758% | 6,765 |
| Total domestic deposits to total assets | 89.7075% | 1,036 |
| Equity capital to assets | 10.0424% | 4,282 |
| Core capital (leverage) ratio | 8.6892% | 5,426 |
| Tier 1 risk-based capital ratio | 20.3100% | 1,615 |
| Total risk-based capital ratio | 21.5633% | 1,585 |
| Memoranda: | ||
| Average total assets | $520,999,000 | 1,288 |
| Average earning assets | $492,546,250 | 1,237 |
| Average equity | $50,852,000 | 1,347 |
| Average total loans | $219,598,000 | 1,889 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 6,641 |
| Cost of funding earning assets | 0.3417% | 7,246 |
| Net interest margin | 3.6710% | 4,408 |
| Noninterest income to average assets | 1.3085% | 735 |
| Noninterest expense to average assets | 3.0465% | 3,449 |
| Loan and lease loss provision to assets | 0.0394% | 5,819 |
| Net operating income to assets | 1.6982% | 604 |
| Return on assets (ROA) | 1.7041% | 645 |
| Pretax return on assets | 1.7041% | 1,052 |
| Return on Equity (ROE) | 17.6468% | 494 |
| Retained earnings to average equity (ytd only) | 10.3025% | 783 |
| Net charge-offs to loans | -0.0082% | 6,648 |
| Credit loss provision to net charge-offs | -1,111.1111% | 6,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6798% | 5,305 |
| Assets per employee ($millions) | 3.6684% | 4,520 |
| Cash dividends to net income (ytd only)* | 41.6185% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 3,552 |
| Loan loss allowance to noncurrent loans | 2,093.5673% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 7,018 |
| Noncurrent loans to loans | 0.0782% | 6,787 |
| Net loans and leases to total assets | 40.1829% | 6,731 |
| Net loans and leases to deposits | 44.6122% | 6,901 |
| Net loans and leases to core deposits | 48.9191% | 6,810 |
| Total domestic deposits to total assets | 90.0716% | 939 |
| Equity capital to assets | 9.7236% | 4,506 |
| Core capital (leverage) ratio | 9.1653% | 4,466 |
| Tier 1 risk-based capital ratio | 20.2060% | 1,570 |
| Total risk-based capital ratio | 21.4599% | 1,546 |
| Memoranda: | ||
| Average total assets | $507,604,330 | 1,330 |
| Average earning assets | $480,582,330 | 1,279 |
| Average equity | $49,017,330 | 1,378 |
| Average total loans | $218,323,670 | 1,917 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 6,469 |
| Cost of funding earning assets | 0.3534% | 7,312 |
| Net interest margin | 3.7661% | 3,775 |
| Noninterest income to average assets | 1.2804% | 777 |
| Noninterest expense to average assets | 3.2179% | 2,829 |
| Loan and lease loss provision to assets | 0.0810% | 4,994 |
| Net operating income to assets | 1.5389% | 801 |
| Return on assets (ROA) | 1.5389% | 840 |
| Pretax return on assets | 1.5389% | 1,327 |
| Return on Equity (ROE) | 15.9960% | 674 |
| Retained earnings to average equity (ytd only) | 8.8361% | 1,432 |
| Net charge-offs to loans | 0.0110% | 4,932 |
| Credit loss provision to net charge-offs | 1,666.6667% | 233 |
| Earnings coverage of net charge-offs (x) | 333.1667% | 86 |
| Efficiency ratio | 66.5159% | 4,941 |
| Assets per employee ($millions) | 3.4584% | 5,098 |
| Cash dividends to net income (ytd only)* | 44.7604% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 3,505 |
| Loan loss allowance to noncurrent loans | 1,064.1791% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 6,996 |
| Noncurrent loans to loans | 0.1556% | 6,665 |
| Net loans and leases to total assets | 41.9394% | 6,621 |
| Net loans and leases to deposits | 46.4864% | 6,822 |
| Net loans and leases to core deposits | 50.6243% | 6,750 |
| Total domestic deposits to total assets | 90.2187% | 1,010 |
| Equity capital to assets | 9.5750% | 4,339 |
| Core capital (leverage) ratio | 9.4275% | 3,918 |
| Tier 1 risk-based capital ratio | 20.0437% | 1,580 |
| Total risk-based capital ratio | 21.2978% | 1,544 |
| Memoranda: | ||
| Average total assets | $493,613,500 | 1,372 |
| Average earning assets | $466,264,000 | 1,327 |
| Average equity | $47,487,000 | 1,413 |
| Average total loans | $218,088,500 | 1,942 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 6,357 |
| Cost of funding earning assets | 0.4028% | 7,424 |
| Net interest margin | 4.1121% | 2,513 |
| Noninterest income to average assets | 1.3870% | 756 |
| Noninterest expense to average assets | 3.3387% | 2,613 |
| Loan and lease loss provision to assets | 0.1267% | 5,896 |
| Net operating income to assets | 1.7895% | 424 |
| Return on assets (ROA) | 1.7929% | 456 |
| Pretax return on assets | 1.7929% | 770 |
| Return on Equity (ROE) | 17.7100% | 401 |
| Retained earnings to average equity (ytd only) | 8.9843% | 705 |
| Net charge-offs to loans | 0.0333% | 6,470 |
| Credit loss provision to net charge-offs | 833.3333% | 257 |
| Earnings coverage of net charge-offs (x) | 126.0278% | 203 |
| Efficiency ratio | 63.5348% | 5,430 |
| Assets per employee ($millions) | 3.2588% | 5,517 |
| Cash dividends to net income (ytd only)* | 49.2697% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,692 |
| Loan loss allowance to noncurrent loans | 432.2540% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 6,813 |
| Noncurrent loans to loans | 0.3636% | 6,333 |
| Net loans and leases to total assets | 45.0710% | 6,630 |
| Net loans and leases to deposits | 50.0443% | 6,853 |
| Net loans and leases to core deposits | 55.0926% | 6,746 |
| Total domestic deposits to total assets | 90.0621% | 1,061 |
| Equity capital to assets | 9.6677% | 4,191 |
| Core capital (leverage) ratio | 9.3259% | 3,968 |
| Tier 1 risk-based capital ratio | 19.3019% | 1,637 |
| Total risk-based capital ratio | 20.5547% | 1,608 |
| Memoranda: | ||
| Average total assets | $473,532,000 | 1,413 |
| Average earning assets | $445,414,400 | 1,370 |
| Average equity | $47,939,000 | 1,397 |
| Average total loans | $216,319,000 | 1,998 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 6,480 |
| Cost of funding earning assets | 0.4102% | 7,558 |
| Net interest margin | 4.1335% | 2,470 |
| Noninterest income to average assets | 1.3785% | 713 |
| Noninterest expense to average assets | 3.2129% | 2,879 |
| Loan and lease loss provision to assets | 0.1273% | 5,753 |
| Net operating income to assets | 1.9230% | 388 |
| Return on assets (ROA) | 1.9278% | 421 |
| Pretax return on assets | 1.9278% | 730 |
| Return on Equity (ROE) | 18.8255% | 400 |
| Retained earnings to average equity (ytd only) | 10.3644% | 710 |
| Net charge-offs to loans | 0.0465% | 6,064 |
| Credit loss provision to net charge-offs | 600.0000% | 484 |
| Earnings coverage of net charge-offs (x) | 96.6376% | 319 |
| Efficiency ratio | 61.0448% | 5,783 |
| Assets per employee ($millions) | 3.3010% | 5,456 |
| Cash dividends to net income (ytd only)* | 44.9450% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 3,891 |
| Loan loss allowance to noncurrent loans | 343.1231% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 6,875 |
| Noncurrent loans to loans | 0.4417% | 6,311 |
| Net loans and leases to total assets | 43.8333% | 6,853 |
| Net loans and leases to deposits | 49.1572% | 7,037 |
| Net loans and leases to core deposits | 54.3025% | 6,944 |
| Total domestic deposits to total assets | 89.1697% | 1,303 |
| Equity capital to assets | 10.6132% | 3,396 |
| Core capital (leverage) ratio | 9.6217% | 3,732 |
| Tier 1 risk-based capital ratio | 19.1289% | 1,723 |
| Total risk-based capital ratio | 20.3803% | 1,686 |
| Memoranda: | ||
| Average total assets | $471,338,500 | 1,438 |
| Average earning assets | $442,972,250 | 1,389 |
| Average equity | $48,266,750 | 1,396 |
| Average total loans | $215,186,000 | 2,043 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 6,426 |
| Cost of funding earning assets | 0.4233% | 7,639 |
| Net interest margin | 4.1892% | 2,187 |
| Noninterest income to average assets | 1.4075% | 639 |
| Noninterest expense to average assets | 3.2525% | 2,720 |
| Loan and lease loss provision to assets | 0.1292% | 5,589 |
| Net operating income to assets | 1.9630% | 351 |
| Return on assets (ROA) | 1.9707% | 383 |
| Pretax return on assets | 1.9707% | 641 |
| Return on Equity (ROE) | 19.4951% | 357 |
| Retained earnings to average equity (ytd only) | 11.3981% | 581 |
| Net charge-offs to loans | 0.0542% | 5,621 |
| Credit loss provision to net charge-offs | 517.2414% | 716 |
| Earnings coverage of net charge-offs (x) | 83.7759% | 379 |
| Efficiency ratio | 60.8556% | 5,885 |
| Assets per employee ($millions) | 3.1610% | 5,761 |
| Cash dividends to net income (ytd only)* | 41.5338% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 4,053 |
| Loan loss allowance to noncurrent loans | 173.5695% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 6,466 |
| Noncurrent loans to loans | 0.8482% | 5,571 |
| Net loans and leases to total assets | 45.2585% | 6,826 |
| Net loans and leases to deposits | 50.5889% | 7,042 |
| Net loans and leases to core deposits | 55.1646% | 6,984 |
| Total domestic deposits to total assets | 89.4633% | 1,201 |
| Equity capital to assets | 10.3292% | 3,614 |
| Core capital (leverage) ratio | 9.6600% | 3,595 |
| Tier 1 risk-based capital ratio | 19.1328% | 1,692 |
| Total risk-based capital ratio | 20.3849% | 1,655 |
| Memoranda: | ||
| Average total assets | $464,500,670 | 1,467 |
| Average earning assets | $436,547,330 | 1,423 |
| Average equity | $46,955,330 | 1,429 |
| Average total loans | $213,943,670 | 2,089 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 6,348 |
| Cost of funding earning assets | 0.4383% | 7,746 |
| Net interest margin | 4.2304% | 1,929 |
| Noninterest income to average assets | 1.4049% | 617 |
| Noninterest expense to average assets | 3.2850% | 2,576 |
| Loan and lease loss provision to assets | 0.1301% | 5,269 |
| Net operating income to assets | 1.9573% | 373 |
| Return on assets (ROA) | 1.9538% | 407 |
| Pretax return on assets | 1.9538% | 662 |
| Return on Equity (ROE) | 19.5454% | 406 |
| Retained earnings to average equity (ytd only) | 12.8221% | 645 |
| Net charge-offs to loans | 0.0019% | 5,598 |
| Credit loss provision to net charge-offs | 15,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 2,407.0000% | 3 |
| Efficiency ratio | 61.1461% | 5,975 |
| Assets per employee ($millions) | 3.0802% | 6,041 |
| Cash dividends to net income (ytd only)* | 34.3986% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 4,159 |
| Loan loss allowance to noncurrent loans | 182.5266% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 6,559 |
| Noncurrent loans to loans | 0.7966% | 5,725 |
| Net loans and leases to total assets | 45.3573% | 6,885 |
| Net loans and leases to deposits | 50.5736% | 7,104 |
| Net loans and leases to core deposits | 55.2309% | 7,033 |
| Total domestic deposits to total assets | 89.6857% | 1,145 |
| Equity capital to assets | 10.1252% | 3,711 |
| Core capital (leverage) ratio | 9.4663% | 3,825 |
| Tier 1 risk-based capital ratio | 18.7591% | 1,782 |
| Total risk-based capital ratio | 20.0097% | 1,746 |
| Memoranda: | ||
| Average total assets | $461,254,000 | 1,521 |
| Average earning assets | $432,583,500 | 1,474 |
| Average equity | $46,108,000 | 1,458 |
| Average total loans | $212,740,500 | 2,152 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9928% | 6,459 |
| Cost of funding earning assets | 0.5844% | 7,781 |
| Net interest margin | 4.4084% | 1,410 |
| Noninterest income to average assets | 1.1151% | 1,231 |
| Noninterest expense to average assets | 3.5140% | 2,340 |
| Loan and lease loss provision to assets | 0.1325% | 6,312 |
| Net operating income to assets | 1.5926% | 561 |
| Return on assets (ROA) | 1.5973% | 589 |
| Pretax return on assets | 1.5973% | 975 |
| Return on Equity (ROE) | 16.9482% | 462 |
| Retained earnings to average equity (ytd only) | 7.9456% | 714 |
| Net charge-offs to loans | -0.1033% | 7,884 |
| Credit loss provision to net charge-offs | -272.7273% | 7,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9997% | 5,186 |
| Assets per employee ($millions) | 3.0904% | 6,009 |
| Cash dividends to net income (ytd only)* | 53.1185% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 4,321 |
| Loan loss allowance to noncurrent loans | 133.7119% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5966% | 5,969 |
| Noncurrent loans to loans | 1.0342% | 5,250 |
| Net loans and leases to total assets | 45.5791% | 7,019 |
| Net loans and leases to deposits | 50.7130% | 7,217 |
| Net loans and leases to core deposits | 58.6059% | 7,318 |
| Total domestic deposits to total assets | 89.8765% | 1,024 |
| Equity capital to assets | 9.8668% | 3,926 |
| Core capital (leverage) ratio | 8.9170% | 4,567 |
| Tier 1 risk-based capital ratio | 17.9647% | 1,906 |
| Total risk-based capital ratio | 19.1930% | 1,871 |
| Memoranda: | ||
| Average total assets | $452,706,600 | 1,531 |
| Average earning assets | $423,508,400 | 1,491 |
| Average equity | $42,665,200 | 1,565 |
| Average total loans | $212,931,400 | 2,160 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0230% | 6,540 |
| Cost of funding earning assets | 0.6036% | 7,884 |
| Net interest margin | 4.4194% | 1,394 |
| Noninterest income to average assets | 1.1113% | 1,275 |
| Noninterest expense to average assets | 3.4373% | 2,457 |
| Loan and lease loss provision to assets | 0.1331% | 6,029 |
| Net operating income to assets | 1.6795% | 584 |
| Return on assets (ROA) | 1.6810% | 618 |
| Pretax return on assets | 1.6810% | 1,009 |
| Return on Equity (ROE) | 18.0524% | 450 |
| Retained earnings to average equity (ytd only) | 8.8245% | 884 |
| Net charge-offs to loans | -0.1471% | 7,949 |
| Credit loss provision to net charge-offs | -191.4894% | 7,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3896% | 5,478 |
| Assets per employee ($millions) | 3.0227% | 6,101 |
| Cash dividends to net income (ytd only)* | 51.1174% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 4,281 |
| Loan loss allowance to noncurrent loans | 112.8164% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6954% | 5,743 |
| Noncurrent loans to loans | 1.1847% | 4,965 |
| Net loans and leases to total assets | 46.0251% | 7,109 |
| Net loans and leases to deposits | 51.3164% | 7,341 |
| Net loans and leases to core deposits | 59.7439% | 7,409 |
| Total domestic deposits to total assets | 89.6889% | 894 |
| Equity capital to assets | 10.0593% | 4,018 |
| Core capital (leverage) ratio | 9.1616% | 4,399 |
| Tier 1 risk-based capital ratio | 17.9953% | 1,989 |
| Total risk-based capital ratio | 19.1863% | 1,957 |
| Memoranda: | ||
| Average total assets | $450,765,250 | 1,552 |
| Average earning assets | $422,125,500 | 1,512 |
| Average equity | $41,973,000 | 1,606 |
| Average total loans | $212,958,750 | 2,190 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0197% | 6,705 |
| Cost of funding earning assets | 0.6177% | 7,978 |
| Net interest margin | 4.4020% | 1,406 |
| Noninterest income to average assets | 1.1142% | 1,280 |
| Noninterest expense to average assets | 3.4216% | 2,564 |
| Loan and lease loss provision to assets | 0.1331% | 5,762 |
| Net operating income to assets | 1.6847% | 582 |
| Return on assets (ROA) | 1.6904% | 633 |
| Pretax return on assets | 1.6904% | 1,035 |
| Return on Equity (ROE) | 18.6529% | 436 |
| Retained earnings to average equity (ytd only) | 8.9863% | 947 |
| Net charge-offs to loans | -0.2459% | 8,048 |
| Credit loss provision to net charge-offs | -114.0684% | 6,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2218% | 5,666 |
| Assets per employee ($millions) | 2.9053% | 6,372 |
| Cash dividends to net income (ytd only)* | 51.8237% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 4,548 |
| Loan loss allowance to noncurrent loans | 143.7901% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 5,966 |
| Noncurrent loans to loans | 0.8758% | 5,465 |
| Net loans and leases to total assets | 48.6527% | 6,980 |
| Net loans and leases to deposits | 53.9722% | 7,273 |
| Net loans and leases to core deposits | 62.5915% | 7,355 |
| Total domestic deposits to total assets | 90.1439% | 770 |
| Equity capital to assets | 9.5846% | 4,505 |
| Core capital (leverage) ratio | 8.9423% | 4,724 |
| Tier 1 risk-based capital ratio | 17.6865% | 2,092 |
| Total risk-based capital ratio | 18.8318% | 2,078 |
| Memoranda: | ||
| Average total assets | $450,893,670 | 1,568 |
| Average earning assets | $422,534,670 | 1,532 |
| Average equity | $40,862,330 | 1,660 |
| Average total loans | $213,913,000 | 2,210 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 7,188 |
| Cost of funding earning assets | 0.6119% | 8,048 |
| Net interest margin | 4.2841% | 1,638 |
| Noninterest income to average assets | 1.0150% | 1,443 |
| Noninterest expense to average assets | 3.2112% | 2,939 |
| Loan and lease loss provision to assets | 0.1305% | 5,290 |
| Net operating income to assets | 1.6804% | 674 |
| Return on assets (ROA) | 1.6960% | 718 |
| Pretax return on assets | 1.6960% | 1,187 |
| Return on Equity (ROE) | 19.2365% | 484 |
| Retained earnings to average equity (ytd only) | 9.3716% | 1,380 |
| Net charge-offs to loans | -0.5452% | 8,116 |
| Credit loss provision to net charge-offs | -51.3699% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8552% | 5,717 |
| Assets per employee ($millions) | 3.2566% | 5,432 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 4,769 |
| Loan loss allowance to noncurrent loans | 146.8231% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5168% | 5,922 |
| Noncurrent loans to loans | 0.8209% | 5,394 |
| Net loans and leases to total assets | 45.4652% | 7,228 |
| Net loans and leases to deposits | 50.1037% | 7,487 |
| Net loans and leases to core deposits | 57.3299% | 7,551 |
| Total domestic deposits to total assets | 90.7422% | 497 |
| Equity capital to assets | 9.0536% | 5,285 |
| Core capital (leverage) ratio | 8.9543% | 4,791 |
| Tier 1 risk-based capital ratio | 17.6141% | 2,149 |
| Total risk-based capital ratio | 18.7273% | 2,137 |
| Memoranda: | ||
| Average total assets | $459,895,000 | 1,551 |
| Average earning assets | $430,153,000 | 1,512 |
| Average equity | $40,548,000 | 1,680 |
| Average total loans | $214,220,000 | 2,229 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6541% | 6,922 |
| Cost of funding earning assets | 1.2303% | 7,909 |
| Net interest margin | 4.4238% | 1,615 |
| Noninterest income to average assets | 1.2446% | 958 |
| Noninterest expense to average assets | 3.2682% | 3,081 |
| Loan and lease loss provision to assets | 0.1291% | 5,714 |
| Net operating income to assets | 1.8643% | 472 |
| Return on assets (ROA) | 1.8829% | 439 |
| Pretax return on assets | 1.8829% | 794 |
| Return on Equity (ROE) | 22.3106% | 240 |
| Retained earnings to average equity (ytd only) | 10.8972% | 335 |
| Net charge-offs to loans | 0.2505% | 3,769 |
| Credit loss provision to net charge-offs | 105.6285% | 5,073 |
| Earnings coverage of net charge-offs (x) | 16.3077% | 1,852 |
| Efficiency ratio | 62.0260% | 5,948 |
| Assets per employee ($millions) | 3.0902% | 5,804 |
| Cash dividends to net income (ytd only)* | 51.1571% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 6,178 |
| Loan loss allowance to noncurrent loans | 115.9476% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 5,995 |
| Noncurrent loans to loans | 0.8492% | 4,925 |
| Net loans and leases to total assets | 46.6826% | 7,270 |
| Net loans and leases to deposits | 51.1891% | 7,575 |
| Net loans and leases to core deposits | 57.6888% | 7,682 |
| Total domestic deposits to total assets | 91.1964% | 272 |
| Equity capital to assets | 8.5773% | 5,970 |
| Core capital (leverage) ratio | 8.3611% | 5,835 |
| Tier 1 risk-based capital ratio | 16.7366% | 2,404 |
| Total risk-based capital ratio | 17.6332% | 2,465 |
| Memoranda: | ||
| Average total assets | $436,026,200 | 1,565 |
| Average earning assets | $395,924,600 | 1,574 |
| Average equity | $36,798,600 | 1,841 |
| Average total loans | $212,757,800 | 2,185 |