Home > Hingham Institution for Savings > Performance and Condition Ratios
Hingham Institution for Savings, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 3,875 |
| Cost of funding earning assets | 3.4697% | 200 |
| Net interest margin | 1.0196% | 4,429 |
| Noninterest income to average assets | 0.0200% | 4,417 |
| Noninterest expense to average assets | 0.6489% | 4,435 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.2694% | 3,885 |
| Return on assets (ROA) | 0.6281% | 3,185 |
| Pretax return on assets | 0.8135% | 3,021 |
| Return on Equity (ROE) | 6.7400% | 3,096 |
| Retained earnings to average equity (ytd only) | 5.4230% | 2,053 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 63.8890% | 2,733 |
| Assets per employee ($millions) | 50.6567% | 27 |
| Cash dividends to net income (ytd only)* | 19.4885% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6917% | 4,072 |
| Loan loss allowance to noncurrent loans | 1,772.6675% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 3,435 |
| Noncurrent loans to loans | 0.0390% | 3,472 |
| Net loans and leases to total assets | 86.9000% | 116 |
| Net loans and leases to deposits | 154.3803% | 18 |
| Net loans and leases to core deposits | 229.8091% | 29 |
| Total domestic deposits to total assets | 56.2900% | 4,342 |
| Equity capital to assets | 9.6854% | 2,313 |
| Core capital (leverage) ratio | 9.8671% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8971% | 1,906 |
| Memoranda: | ||
| Average total assets | $4,488,433,800 | 308 |
| Average earning assets | $4,363,604,800 | 291 |
| Average equity | $418,530,600 | 325 |
| Average total loans | $3,931,521,800 | 253 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 3,900 |
| Cost of funding earning assets | 3.5072% | 193 |
| Net interest margin | 0.9466% | 4,464 |
| Noninterest income to average assets | 0.0200% | 4,441 |
| Noninterest expense to average assets | 0.6501% | 4,462 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.2205% | 3,976 |
| Return on assets (ROA) | 0.4987% | 3,502 |
| Pretax return on assets | 0.6367% | 3,405 |
| Return on Equity (ROE) | 5.4000% | 3,438 |
| Retained earnings to average equity (ytd only) | 4.0764% | 2,826 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 68.8450% | 2,161 |
| Assets per employee ($millions) | 52.3510% | 29 |
| Cash dividends to net income (ytd only)* | 24.5064% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6935% | 4,102 |
| Loan loss allowance to noncurrent loans | 1,661.3300% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,482 |
| Noncurrent loans to loans | 0.0417% | 3,505 |
| Net loans and leases to total assets | 86.8200% | 122 |
| Net loans and leases to deposits | 156.0155% | 17 |
| Net loans and leases to core deposits | 230.6169% | 31 |
| Total domestic deposits to total assets | 55.6500% | 4,379 |
| Equity capital to assets | 9.4768% | 2,688 |
| Core capital (leverage) ratio | 9.7723% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9727% | 1,903 |
| Memoranda: | ||
| Average total assets | $4,496,094,750 | 301 |
| Average earning assets | $4,369,215,000 | 286 |
| Average equity | $415,224,500 | 322 |
| Average total loans | $3,939,237,250 | 250 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 3,915 |
| Cost of funding earning assets | 3.5128% | 169 |
| Net interest margin | 0.8903% | 4,486 |
| Noninterest income to average assets | 0.0200% | 4,460 |
| Noninterest expense to average assets | 0.6463% | 4,482 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.1835% | 4,026 |
| Return on assets (ROA) | 0.4863% | 3,501 |
| Pretax return on assets | 0.6037% | 3,440 |
| Return on Equity (ROE) | 5.3100% | 3,449 |
| Retained earnings to average equity (ytd only) | 3.9815% | 2,711 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 72.7073% | 1,779 |
| Assets per employee ($millions) | 53.1868% | 28 |
| Cash dividends to net income (ytd only)* | 25.0410% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 4,140 |
| Loan loss allowance to noncurrent loans | 1,576.3604% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 3,430 |
| Noncurrent loans to loans | 0.0432% | 3,467 |
| Net loans and leases to total assets | 87.0100% | 116 |
| Net loans and leases to deposits | 161.6354% | 21 |
| Net loans and leases to core deposits | 244.1004% | 22 |
| Total domestic deposits to total assets | 53.8300% | 4,402 |
| Equity capital to assets | 9.2278% | 2,592 |
| Core capital (leverage) ratio | 9.5504% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5751% | 2,040 |
| Memoranda: | ||
| Average total assets | $4,511,514,000 | 303 |
| Average earning assets | $4,382,861,333 | 287 |
| Average equity | $413,065,333 | 325 |
| Average total loans | $3,955,594,333 | 251 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 3,917 |
| Cost of funding earning assets | 3.5032% | 154 |
| Net interest margin | 0.8330% | 4,523 |
| Noninterest income to average assets | 0.0200% | 4,459 |
| Noninterest expense to average assets | 0.6441% | 4,511 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.1538% | 4,034 |
| Return on assets (ROA) | 0.6096% | 3,156 |
| Pretax return on assets | 0.7094% | 3,135 |
| Return on Equity (ROE) | 6.6800% | 3,037 |
| Retained earnings to average equity (ytd only) | 5.3468% | 2,302 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 77.3090% | 1,421 |
| Assets per employee ($millions) | 52.6689% | 28 |
| Cash dividends to net income (ytd only)* | 20.0058% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6749% | 4,147 |
| Loan loss allowance to noncurrent loans | 1,530.0172% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 3,434 |
| Noncurrent loans to loans | 0.0441% | 3,447 |
| Net loans and leases to total assets | 86.9500% | 118 |
| Net loans and leases to deposits | 163.6020% | 11 |
| Net loans and leases to core deposits | 246.5399% | 62 |
| Total domestic deposits to total assets | 53.1500% | 4,453 |
| Equity capital to assets | 9.1488% | 2,572 |
| Core capital (leverage) ratio | 9.5382% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4330% | 2,100 |
| Memoranda: | ||
| Average total assets | $4,506,834,000 | 307 |
| Average earning assets | $4,376,397,500 | 288 |
| Average equity | $411,009,000 | 327 |
| Average total loans | $3,953,140,000 | 253 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 3,701 |
| Cost of funding earning assets | 3.0064% | 139 |
| Net interest margin | 1.1539% | 4,537 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 0.6583% | 4,525 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.3342% | 3,980 |
| Return on assets (ROA) | 0.6118% | 3,397 |
| Pretax return on assets | 0.8173% | 3,169 |
| Return on Equity (ROE) | 6.6300% | 3,384 |
| Retained earnings to average equity (ytd only) | 5.2670% | 2,500 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.2345% | 3,375 |
| Assets per employee ($millions) | 50.3837% | 29 |
| Cash dividends to net income (ytd only)* | 20.5832% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6763% | 4,155 |
| Loan loss allowance to noncurrent loans | 1,802.0284% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,422 |
| Noncurrent loans to loans | 0.0375% | 3,462 |
| Net loans and leases to total assets | 87.3000% | 109 |
| Net loans and leases to deposits | 165.5363% | 8 |
| Net loans and leases to core deposits | 249.8724% | 61 |
| Total domestic deposits to total assets | 52.7300% | 4,465 |
| Equity capital to assets | 9.0903% | 2,614 |
| Core capital (leverage) ratio | 9.5184% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1706% | 2,180 |
| Memoranda: | ||
| Average total assets | $4,310,440,800 | 306 |
| Average earning assets | $4,188,606,600 | 288 |
| Average equity | $397,624,800 | 315 |
| Average total loans | $3,789,076,000 | 249 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 3,651 |
| Cost of funding earning assets | 2.8555% | 143 |
| Net interest margin | 1.2518% | 4,550 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 0.6700% | 4,551 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3941% | 3,976 |
| Return on assets (ROA) | 0.6267% | 3,474 |
| Pretax return on assets | 0.8448% | 3,231 |
| Return on Equity (ROE) | 6.7700% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.3959% | 2,810 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.7382% | 3,606 |
| Assets per employee ($millions) | 50.0795% | 31 |
| Cash dividends to net income (ytd only)* | 20.2682% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6879% | 4,160 |
| Loan loss allowance to noncurrent loans | 13,528.7179% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,829 |
| Noncurrent loans to loans | 0.0051% | 3,777 |
| Net loans and leases to total assets | 87.4200% | 102 |
| Net loans and leases to deposits | 156.7233% | 12 |
| Net loans and leases to core deposits | 236.0275% | 25 |
| Total domestic deposits to total assets | 55.7800% | 4,482 |
| Equity capital to assets | 9.2255% | 2,278 |
| Core capital (leverage) ratio | 9.4907% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2990% | 2,160 |
| Memoranda: | ||
| Average total assets | $4,267,014,750 | 308 |
| Average earning assets | $4,147,116,250 | 292 |
| Average equity | $395,126,000 | 319 |
| Average total loans | $3,751,071,250 | 253 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,652 |
| Cost of funding earning assets | 2.6598% | 139 |
| Net interest margin | 1.3569% | 4,587 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 0.6793% | 4,582 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.4578% | 3,899 |
| Return on assets (ROA) | 0.7911% | 3,117 |
| Pretax return on assets | 1.0634% | 2,740 |
| Return on Equity (ROE) | 8.5300% | 3,104 |
| Retained earnings to average equity (ytd only) | 7.1528% | 2,238 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.3410% | 3,893 |
| Assets per employee ($millions) | 50.7185% | 29 |
| Cash dividends to net income (ytd only)* | 16.1644% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 4,202 |
| Loan loss allowance to noncurrent loans | 15,467.4556% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 3,845 |
| Noncurrent loans to loans | 0.0045% | 3,781 |
| Net loans and leases to total assets | 87.2600% | 107 |
| Net loans and leases to deposits | 154.9532% | 14 |
| Net loans and leases to core deposits | 236.2511% | 25 |
| Total domestic deposits to total assets | 56.3100% | 4,501 |
| Equity capital to assets | 9.2750% | 2,331 |
| Core capital (leverage) ratio | 9.6794% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3252% | 2,165 |
| Memoranda: | ||
| Average total assets | $4,237,047,000 | 301 |
| Average earning assets | $4,118,522,333 | 284 |
| Average equity | $392,852,333 | 310 |
| Average total loans | $3,723,036,667 | 248 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 3,477 |
| Cost of funding earning assets | 2.5281% | 90 |
| Net interest margin | 1.4603% | 4,642 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 0.6730% | 4,652 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.5435% | 3,802 |
| Return on assets (ROA) | 0.8105% | 3,112 |
| Pretax return on assets | 1.1051% | 2,690 |
| Return on Equity (ROE) | 8.7400% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.3527% | 2,408 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.2530% | 4,203 |
| Assets per employee ($millions) | 48.9085% | 32 |
| Cash dividends to net income (ytd only)* | 15.8989% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6947% | 4,250 |
| Loan loss allowance to noncurrent loans | 5,169.0141% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 3,742 |
| Noncurrent loans to loans | 0.0134% | 3,723 |
| Net loans and leases to total assets | 87.3100% | 94 |
| Net loans and leases to deposits | 144.9260% | 18 |
| Net loans and leases to core deposits | 213.7260% | 27 |
| Total domestic deposits to total assets | 60.2500% | 4,541 |
| Equity capital to assets | 9.3373% | 2,268 |
| Core capital (leverage) ratio | 9.5082% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3273% | 2,256 |
| Memoranda: | ||
| Average total assets | $4,200,034,000 | 312 |
| Average earning assets | $4,084,427,500 | 296 |
| Average equity | $389,352,000 | 321 |
| Average total loans | $3,690,525,500 | 254 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 2,559 |
| Cost of funding earning assets | 0.8725% | 283 |
| Net interest margin | 2.8151% | 3,865 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 0.6878% | 4,678 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.4155% | 1,093 |
| Return on assets (ROA) | 0.9705% | 2,616 |
| Pretax return on assets | 1.4049% | 1,755 |
| Return on Equity (ROE) | 10.1400% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.3838% | 1,685 |
| Net charge-offs to loans | -0.0015% | 3,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 24.8078% | 4,676 |
| Assets per employee ($millions) | 47.1229% | 33 |
| Cash dividends to net income (ytd only)* | 17.3326% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6785% | 4,235 |
| Loan loss allowance to noncurrent loans | 2,137.6390% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 3,541 |
| Noncurrent loans to loans | 0.0317% | 3,554 |
| Net loans and leases to total assets | 87.2200% | 95 |
| Net loans and leases to deposits | 145.2454% | 20 |
| Net loans and leases to core deposits | 217.2497% | 22 |
| Total domestic deposits to total assets | 60.0500% | 4,576 |
| Equity capital to assets | 9.2030% | 2,223 |
| Core capital (leverage) ratio | 9.4995% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5112% | 2,570 |
| Memoranda: | ||
| Average total assets | $3,866,057,800 | 324 |
| Average earning assets | $3,770,153,400 | 303 |
| Average equity | $369,951,400 | 331 |
| Average total loans | $3,404,152,200 | 256 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6031% | 2,336 |
| Cost of funding earning assets | 0.5278% | 650 |
| Net interest margin | 3.0752% | 3,004 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 0.6860% | 4,717 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.5895% | 672 |
| Return on assets (ROA) | 0.9004% | 2,839 |
| Pretax return on assets | 1.3326% | 1,942 |
| Return on Equity (ROE) | 9.3100% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.9270% | 2,027 |
| Net charge-offs to loans | -0.0020% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 22.6505% | 4,717 |
| Assets per employee ($millions) | 46.6927% | 34 |
| Cash dividends to net income (ytd only)* | 14.8587% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6799% | 4,285 |
| Loan loss allowance to noncurrent loans | 3,327.2851% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,768 |
| Noncurrent loans to loans | 0.0204% | 3,766 |
| Net loans and leases to total assets | 87.7100% | 69 |
| Net loans and leases to deposits | 136.9930% | 23 |
| Net loans and leases to core deposits | 193.9642% | 25 |
| Total domestic deposits to total assets | 64.0200% | 4,600 |
| Equity capital to assets | 9.2697% | 2,030 |
| Core capital (leverage) ratio | 9.4096% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6568% | 2,907 |
| Memoranda: | ||
| Average total assets | $3,784,088,750 | 326 |
| Average earning assets | $3,693,014,500 | 307 |
| Average equity | $365,947,750 | 336 |
| Average total loans | $3,334,464,000 | 259 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 2,079 |
| Cost of funding earning assets | 0.3068% | 1,665 |
| Net interest margin | 3.2115% | 2,150 |
| Noninterest income to average assets | 0.0288% | 4,686 |
| Noninterest expense to average assets | 0.6820% | 4,741 |
| Loan and lease loss provision to assets | 0.1954% | 433 |
| Net operating income to assets | 1.6563% | 481 |
| Return on assets (ROA) | 0.8157% | 2,871 |
| Pretax return on assets | 1.2230% | 1,997 |
| Return on Equity (ROE) | 8.3082% | 2,931 |
| Retained earnings to average equity (ytd only) | 6.9347% | 2,011 |
| Net charge-offs to loans | -0.0031% | 3,210 |
| Credit loss provision to net charge-offs | -7,214.0000% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.5522% | 4,751 |
| Assets per employee ($millions) | 48.1422% | 30 |
| Cash dividends to net income (ytd only)* | 16.5327% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 4,361 |
| Loan loss allowance to noncurrent loans | 2,420.9045% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 3,746 |
| Noncurrent loans to loans | 0.0282% | 3,744 |
| Net loans and leases to total assets | 87.7955% | 49 |
| Net loans and leases to deposits | 141.4326% | 13 |
| Net loans and leases to core deposits | 195.8465% | 27 |
| Total domestic deposits to total assets | 62.0758% | 4,680 |
| Equity capital to assets | 9.1936% | 2,236 |
| Core capital (leverage) ratio | 9.8043% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4623% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,691,362,667 | 327 |
| Average earning assets | $3,604,346,333 | 315 |
| Average equity | $362,411,000 | 341 |
| Average total loans | $3,250,189,667 | 262 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4864% | 1,851 |
| Cost of funding earning assets | 0.2308% | 2,387 |
| Net interest margin | 3.2556% | 1,700 |
| Noninterest income to average assets | 0.0331% | 4,698 |
| Noninterest expense to average assets | 0.7018% | 4,763 |
| Loan and lease loss provision to assets | 0.1308% | 626 |
| Net operating income to assets | 1.7121% | 401 |
| Return on assets (ROA) | 1.3409% | 907 |
| Pretax return on assets | 1.9140% | 430 |
| Return on Equity (ROE) | 13.1845% | 999 |
| Retained earnings to average equity (ytd only) | 11.8276% | 633 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.8181% | 4,772 |
| Assets per employee ($millions) | 42.9059% | 34 |
| Cash dividends to net income (ytd only)* | 10.2916% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6749% | 4,429 |
| Loan loss allowance to noncurrent loans | 16,479.3893% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 4,062 |
| Noncurrent loans to loans | 0.0041% | 4,011 |
| Net loans and leases to total assets | 87.1157% | 39 |
| Net loans and leases to deposits | 132.0982% | 17 |
| Net loans and leases to core deposits | 172.1174% | 30 |
| Total domestic deposits to total assets | 65.9477% | 4,693 |
| Equity capital to assets | 10.0154% | 1,879 |
| Core capital (leverage) ratio | 10.5375% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4263% | 2,796 |
| Memoranda: | ||
| Average total assets | $3,539,143,000 | 338 |
| Average earning assets | $3,460,547,500 | 325 |
| Average equity | $359,936,500 | 353 |
| Average total loans | $3,109,173,000 | 273 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 2,121 |
| Cost of funding earning assets | 0.2686% | 2,715 |
| Net interest margin | 3.4290% | 1,939 |
| Noninterest income to average assets | 0.1135% | 4,553 |
| Noninterest expense to average assets | 0.7222% | 4,796 |
| Loan and lease loss provision to assets | 0.0991% | 1,258 |
| Net operating income to assets | 1.9029% | 407 |
| Return on assets (ROA) | 2.2087% | 250 |
| Pretax return on assets | 3.0341% | 143 |
| Return on Equity (ROE) | 20.7634% | 271 |
| Retained earnings to average equity (ytd only) | 18.8978% | 78 |
| Net charge-offs to loans | 0.0000% | 2,704 |
| Credit loss provision to net charge-offs | 302,800.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 83,877.0000% | 1 |
| Efficiency ratio | 20.8215% | 4,821 |
| Assets per employee ($millions) | 45.7505% | 37 |
| Cash dividends to net income (ytd only)* | 8.9848% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6766% | 4,464 |
| Loan loss allowance to noncurrent loans | 4,773.5981% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 4,018 |
| Noncurrent loans to loans | 0.0142% | 3,988 |
| Net loans and leases to total assets | 87.4079% | 41 |
| Net loans and leases to deposits | 124.8257% | 30 |
| Net loans and leases to core deposits | 166.8702% | 36 |
| Total domestic deposits to total assets | 70.0240% | 4,683 |
| Equity capital to assets | 10.3347% | 2,334 |
| Core capital (leverage) ratio | 10.9196% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9657% | 2,644 |
| Memoranda: | ||
| Average total assets | $3,054,259,000 | 369 |
| Average earning assets | $2,988,232,400 | 349 |
| Average equity | $324,889,200 | 374 |
| Average total loans | $2,705,283,400 | 288 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 2,193 |
| Cost of funding earning assets | 0.2858% | 2,741 |
| Net interest margin | 3.4463% | 2,021 |
| Noninterest income to average assets | 0.1431% | 4,480 |
| Noninterest expense to average assets | 0.7344% | 4,881 |
| Loan and lease loss provision to assets | 0.0823% | 1,439 |
| Net operating income to assets | 1.9418% | 514 |
| Return on assets (ROA) | 2.2875% | 292 |
| Pretax return on assets | 3.1358% | 156 |
| Return on Equity (ROE) | 21.3289% | 341 |
| Retained earnings to average equity (ytd only) | 19.9526% | 131 |
| Net charge-offs to loans | 0.0001% | 2,462 |
| Credit loss provision to net charge-offs | 182,800.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 61,729.0000% | 1 |
| Efficiency ratio | 20.8927% | 4,896 |
| Assets per employee ($millions) | 43.9566% | 37 |
| Cash dividends to net income (ytd only)* | 6.4528% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 4,528 |
| Loan loss allowance to noncurrent loans | 5,283.2418% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,149 |
| Noncurrent loans to loans | 0.0129% | 4,109 |
| Net loans and leases to total assets | 88.4876% | 31 |
| Net loans and leases to deposits | 115.4451% | 60 |
| Net loans and leases to core deposits | 156.0176% | 54 |
| Total domestic deposits to total assets | 76.6491% | 4,513 |
| Equity capital to assets | 10.7656% | 2,204 |
| Core capital (leverage) ratio | 11.2755% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5114% | 2,542 |
| Memoranda: | ||
| Average total assets | $2,960,002,750 | 381 |
| Average earning assets | $2,896,060,000 | 361 |
| Average equity | $317,458,500 | 381 |
| Average total loans | $2,626,692,750 | 294 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 2,116 |
| Cost of funding earning assets | 0.3150% | 2,642 |
| Net interest margin | 3.4668% | 1,956 |
| Noninterest income to average assets | 0.2000% | 4,199 |
| Noninterest expense to average assets | 0.7430% | 4,913 |
| Loan and lease loss provision to assets | 0.0573% | 1,881 |
| Net operating income to assets | 2.0126% | 474 |
| Return on assets (ROA) | 2.5433% | 223 |
| Pretax return on assets | 3.4622% | 121 |
| Return on Equity (ROE) | 23.7464% | 237 |
| Retained earnings to average equity (ytd only) | 22.3644% | 104 |
| Net charge-offs to loans | 0.0001% | 2,244 |
| Credit loss provision to net charge-offs | 82,800.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 41,173.0000% | 2 |
| Efficiency ratio | 20.6930% | 4,931 |
| Assets per employee ($millions) | 38.1261% | 40 |
| Cash dividends to net income (ytd only)* | 5.8196% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6883% | 4,552 |
| Loan loss allowance to noncurrent loans | 6,159.1216% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,237 |
| Noncurrent loans to loans | 0.0112% | 4,188 |
| Net loans and leases to total assets | 88.4515% | 34 |
| Net loans and leases to deposits | 111.7977% | 93 |
| Net loans and leases to core deposits | 149.3855% | 68 |
| Total domestic deposits to total assets | 79.1175% | 4,329 |
| Equity capital to assets | 11.0239% | 1,954 |
| Core capital (leverage) ratio | 11.3455% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9901% | 2,374 |
| Memoranda: | ||
| Average total assets | $2,891,713,000 | 386 |
| Average earning assets | $2,828,225,667 | 367 |
| Average equity | $309,706,000 | 386 |
| Average total loans | $2,562,340,000 | 298 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 1,884 |
| Cost of funding earning assets | 0.3662% | 2,393 |
| Net interest margin | 3.5120% | 1,795 |
| Noninterest income to average assets | 0.0363% | 4,877 |
| Noninterest expense to average assets | 0.7621% | 4,944 |
| Loan and lease loss provision to assets | 0.0390% | 2,257 |
| Net operating income to assets | 1.9210% | 638 |
| Return on assets (ROA) | 2.2942% | 389 |
| Pretax return on assets | 3.1409% | 206 |
| Return on Equity (ROE) | 21.7534% | 415 |
| Retained earnings to average equity (ytd only) | 20.3591% | 256 |
| Net charge-offs to loans | 0.0002% | 1,929 |
| Credit loss provision to net charge-offs | 27,800.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 19,295.0000% | 1 |
| Efficiency ratio | 21.9647% | 4,946 |
| Assets per employee ($millions) | 33.8593% | 45 |
| Cash dividends to net income (ytd only)* | 6.4098% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7001% | 4,572 |
| Loan loss allowance to noncurrent loans | 2,870.2922% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 4,216 |
| Noncurrent loans to loans | 0.0244% | 4,169 |
| Net loans and leases to total assets | 88.1779% | 44 |
| Net loans and leases to deposits | 109.8411% | 133 |
| Net loans and leases to core deposits | 145.2559% | 82 |
| Total domestic deposits to total assets | 80.2777% | 4,166 |
| Equity capital to assets | 10.8411% | 1,973 |
| Core capital (leverage) ratio | 10.9588% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2388% | 2,189 |
| Memoranda: | ||
| Average total assets | $2,850,650,500 | 390 |
| Average earning assets | $2,786,713,500 | 370 |
| Average equity | $300,642,000 | 391 |
| Average total loans | $2,519,192,000 | 300 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 2,615 |
| Cost of funding earning assets | 0.8030% | 1,194 |
| Net interest margin | 3.2338% | 3,263 |
| Noninterest income to average assets | 0.0471% | 4,867 |
| Noninterest expense to average assets | 0.8113% | 4,956 |
| Loan and lease loss provision to assets | 0.0845% | 3,323 |
| Net operating income to assets | 1.6433% | 582 |
| Return on assets (ROA) | 1.8741% | 361 |
| Pretax return on assets | 2.5887% | 174 |
| Return on Equity (ROE) | 19.0707% | 272 |
| Retained earnings to average equity (ytd only) | 17.0878% | 102 |
| Net charge-offs to loans | 0.0110% | 2,932 |
| Credit loss provision to net charge-offs | 880.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 248.0846% | 404 |
| Efficiency ratio | 25.4140% | 4,973 |
| Assets per employee ($millions) | 32.8404% | 41 |
| Cash dividends to net income (ytd only)* | 10.3977% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6926% | 4,600 |
| Loan loss allowance to noncurrent loans | 437.7264% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 2,933 |
| Noncurrent loans to loans | 0.1582% | 3,648 |
| Net loans and leases to total assets | 87.3383% | 62 |
| Net loans and leases to deposits | 116.1437% | 102 |
| Net loans and leases to core deposits | 151.5713% | 82 |
| Total domestic deposits to total assets | 75.1984% | 4,566 |
| Equity capital to assets | 10.2531% | 2,881 |
| Core capital (leverage) ratio | 10.5878% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7514% | 2,329 |
| Memoranda: | ||
| Average total assets | $2,709,032,200 | 376 |
| Average earning assets | $2,634,781,000 | 353 |
| Average equity | $266,225,000 | 400 |
| Average total loans | $2,373,108,800 | 304 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 2,653 |
| Cost of funding earning assets | 0.9283% | 966 |
| Net interest margin | 3.1802% | 3,542 |
| Noninterest income to average assets | 0.0499% | 4,890 |
| Noninterest expense to average assets | 0.8196% | 4,991 |
| Loan and lease loss provision to assets | 0.1054% | 2,999 |
| Net operating income to assets | 1.5859% | 754 |
| Return on assets (ROA) | 1.6830% | 662 |
| Pretax return on assets | 2.3379% | 263 |
| Return on Equity (ROE) | 17.3268% | 414 |
| Retained earnings to average equity (ytd only) | 15.8997% | 162 |
| Net charge-offs to loans | 0.0404% | 2,048 |
| Credit loss provision to net charge-offs | 298.0254% | 1,767 |
| Earnings coverage of net charge-offs (x) | 65.5896% | 1,043 |
| Efficiency ratio | 26.1024% | 5,007 |
| Assets per employee ($millions) | 31.6184% | 41 |
| Cash dividends to net income (ytd only)* | 8.2362% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 4,574 |
| Loan loss allowance to noncurrent loans | 698.0033% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 3,277 |
| Noncurrent loans to loans | 0.1012% | 3,967 |
| Net loans and leases to total assets | 86.7548% | 118 |
| Net loans and leases to deposits | 115.8984% | 148 |
| Net loans and leases to core deposits | 153.7391% | 102 |
| Total domestic deposits to total assets | 74.8542% | 4,515 |
| Equity capital to assets | 10.2351% | 3,027 |
| Core capital (leverage) ratio | 10.3536% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0565% | 2,175 |
| Memoranda: | ||
| Average total assets | $2,672,010,500 | 366 |
| Average earning assets | $2,596,372,500 | 347 |
| Average equity | $259,545,500 | 398 |
| Average total loans | $2,338,195,500 | 303 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 2,954 |
| Cost of funding earning assets | 1.1029% | 710 |
| Net interest margin | 3.0310% | 4,055 |
| Noninterest income to average assets | 0.0554% | 4,900 |
| Noninterest expense to average assets | 0.8281% | 5,028 |
| Loan and lease loss provision to assets | 0.1327% | 2,687 |
| Net operating income to assets | 1.4626% | 990 |
| Return on assets (ROA) | 1.3947% | 1,216 |
| Pretax return on assets | 1.9523% | 610 |
| Return on Equity (ROE) | 14.6259% | 767 |
| Retained earnings to average equity (ytd only) | 13.1912% | 336 |
| Net charge-offs to loans | 0.0587% | 1,665 |
| Credit loss provision to net charge-offs | 258.5044% | 1,727 |
| Earnings coverage of net charge-offs (x) | 42.2815% | 1,210 |
| Efficiency ratio | 27.6096% | 5,030 |
| Assets per employee ($millions) | 31.6732% | 39 |
| Cash dividends to net income (ytd only)* | 9.8094% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6862% | 4,599 |
| Loan loss allowance to noncurrent loans | 613.6092% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 3,370 |
| Noncurrent loans to loans | 0.1118% | 4,006 |
| Net loans and leases to total assets | 87.4423% | 77 |
| Net loans and leases to deposits | 115.4353% | 137 |
| Net loans and leases to core deposits | 153.2627% | 93 |
| Total domestic deposits to total assets | 75.7500% | 4,452 |
| Equity capital to assets | 9.6938% | 3,485 |
| Core capital (leverage) ratio | 9.7217% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3773% | 2,451 |
| Memoranda: | ||
| Average total assets | $2,656,287,000 | 363 |
| Average earning assets | $2,579,854,000 | 341 |
| Average equity | $253,290,000 | 406 |
| Average total loans | $2,325,660,667 | 302 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2369% | 3,100 |
| Cost of funding earning assets | 1.3978% | 401 |
| Net interest margin | 2.8391% | 4,523 |
| Noninterest income to average assets | 0.0764% | 4,907 |
| Noninterest expense to average assets | 0.8572% | 5,073 |
| Loan and lease loss provision to assets | 0.1736% | 1,702 |
| Net operating income to assets | 1.3062% | 1,229 |
| Return on assets (ROA) | 0.3333% | 4,308 |
| Pretax return on assets | 0.5685% | 3,984 |
| Return on Equity (ROE) | 3.5255% | 4,087 |
| Retained earnings to average equity (ytd only) | 2.0766% | 3,424 |
| Net charge-offs to loans | 0.1190% | 990 |
| Credit loss provision to net charge-offs | 167.1072% | 1,524 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,447 |
| Efficiency ratio | 30.2818% | 5,065 |
| Assets per employee ($millions) | 30.1659% | 39 |
| Cash dividends to net income (ytd only)* | 41.0984% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 4,649 |
| Loan loss allowance to noncurrent loans | 1,097.9889% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 3,734 |
| Noncurrent loans to loans | 0.0617% | 4,294 |
| Net loans and leases to total assets | 87.4105% | 79 |
| Net loans and leases to deposits | 134.8098% | 28 |
| Net loans and leases to core deposits | 161.0556% | 78 |
| Total domestic deposits to total assets | 64.8399% | 4,978 |
| Equity capital to assets | 9.3648% | 4,342 |
| Core capital (leverage) ratio | 9.5211% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9452% | 2,729 |
| Memoranda: | ||
| Average total assets | $2,622,484,000 | 359 |
| Average earning assets | $2,544,218,000 | 334 |
| Average equity | $247,911,000 | 414 |
| Average total loans | $2,289,345,500 | 301 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 3,310 |
| Cost of funding earning assets | 1.6391% | 257 |
| Net interest margin | 2.7380% | 4,810 |
| Noninterest income to average assets | 0.0484% | 5,039 |
| Noninterest expense to average assets | 0.8186% | 5,138 |
| Loan and lease loss provision to assets | 0.0622% | 2,792 |
| Net operating income to assets | 1.3071% | 1,661 |
| Return on assets (ROA) | 1.5458% | 1,011 |
| Pretax return on assets | 2.1264% | 446 |
| Return on Equity (ROE) | 16.9408% | 427 |
| Retained earnings to average equity (ytd only) | 14.9154% | 96 |
| Net charge-offs to loans | -0.0000% | 4,127 |
| Credit loss provision to net charge-offs | -156,700.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2619% | 5,134 |
| Assets per employee ($millions) | 29.1053% | 38 |
| Cash dividends to net income (ytd only)* | 11.9557% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6857% | 4,602 |
| Loan loss allowance to noncurrent loans | 274.4734% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 3,597 |
| Noncurrent loans to loans | 0.2498% | 3,554 |
| Net loans and leases to total assets | 85.9755% | 167 |
| Net loans and leases to deposits | 121.7497% | 76 |
| Net loans and leases to core deposits | 165.1993% | 73 |
| Total domestic deposits to total assets | 70.6166% | 4,908 |
| Equity capital to assets | 9.5439% | 4,315 |
| Core capital (leverage) ratio | 9.8394% | 3,687 |
| Tier 1 risk-based capital ratio | 12.7711% | 3,910 |
| Total risk-based capital ratio | 13.5654% | 4,045 |
| Memoranda: | ||
| Average total assets | $2,518,268,800 | 354 |
| Average earning assets | $2,443,485,200 | 335 |
| Average equity | $229,782,600 | 423 |
| Average total loans | $2,142,755,400 | 309 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4132% | 3,308 |
| Cost of funding earning assets | 1.6826% | 213 |
| Net interest margin | 2.7306% | 4,914 |
| Noninterest income to average assets | 0.0484% | 5,117 |
| Noninterest expense to average assets | 0.8280% | 5,219 |
| Loan and lease loss provision to assets | 0.0684% | 2,510 |
| Net operating income to assets | 1.2871% | 1,898 |
| Return on assets (ROA) | 1.4698% | 1,333 |
| Pretax return on assets | 2.0318% | 644 |
| Return on Equity (ROE) | 16.3026% | 562 |
| Retained earnings to average equity (ytd only) | 14.8257% | 159 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7008% | 5,210 |
| Assets per employee ($millions) | 29.1813% | 36 |
| Cash dividends to net income (ytd only)* | 9.0592% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 4,656 |
| Loan loss allowance to noncurrent loans | 1,138.0090% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 4,444 |
| Noncurrent loans to loans | 0.0615% | 4,361 |
| Net loans and leases to total assets | 86.2983% | 174 |
| Net loans and leases to deposits | 124.8850% | 67 |
| Net loans and leases to core deposits | 161.0096% | 85 |
| Total domestic deposits to total assets | 69.1022% | 5,024 |
| Equity capital to assets | 9.5893% | 4,398 |
| Core capital (leverage) ratio | 9.2448% | 4,435 |
| Tier 1 risk-based capital ratio | 12.9291% | 3,889 |
| Total risk-based capital ratio | 13.7494% | 4,019 |
| Memoranda: | ||
| Average total assets | $2,500,244,000 | 358 |
| Average earning assets | $2,425,016,750 | 338 |
| Average equity | $225,422,500 | 429 |
| Average total loans | $2,117,829,500 | 315 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 3,677 |
| Cost of funding earning assets | 1.6383% | 237 |
| Net interest margin | 2.6465% | 5,045 |
| Noninterest income to average assets | 0.0472% | 5,175 |
| Noninterest expense to average assets | 0.8225% | 5,268 |
| Loan and lease loss provision to assets | 0.0782% | 2,253 |
| Net operating income to assets | 1.2238% | 2,058 |
| Return on assets (ROA) | 1.4783% | 1,257 |
| Pretax return on assets | 2.0347% | 635 |
| Return on Equity (ROE) | 16.7481% | 494 |
| Retained earnings to average equity (ytd only) | 15.2631% | 162 |
| Net charge-offs to loans | 0.0001% | 3,171 |
| Credit loss provision to net charge-offs | 98,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 22,444.0000% | 2 |
| Efficiency ratio | 31.4750% | 5,250 |
| Assets per employee ($millions) | 30.0521% | 32 |
| Cash dividends to net income (ytd only)* | 8.8667% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6764% | 4,748 |
| Loan loss allowance to noncurrent loans | 2,310.4688% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 4,662 |
| Noncurrent loans to loans | 0.0293% | 4,576 |
| Net loans and leases to total assets | 83.0433% | 472 |
| Net loans and leases to deposits | 130.3021% | 45 |
| Net loans and leases to core deposits | 180.8884% | 59 |
| Total domestic deposits to total assets | 63.7313% | 5,174 |
| Equity capital to assets | 8.7809% | 4,909 |
| Core capital (leverage) ratio | 9.0609% | 4,584 |
| Tier 1 risk-based capital ratio | 12.3024% | 4,238 |
| Total risk-based capital ratio | 13.0948% | 4,387 |
| Memoranda: | ||
| Average total assets | $2,506,855,000 | 360 |
| Average earning assets | $2,430,517,670 | 342 |
| Average equity | $221,279,000 | 433 |
| Average total loans | $2,105,225,330 | 316 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 3,790 |
| Cost of funding earning assets | 1.5614% | 259 |
| Net interest margin | 2.6645% | 5,092 |
| Noninterest income to average assets | 0.0478% | 5,220 |
| Noninterest expense to average assets | 0.8385% | 5,331 |
| Loan and lease loss provision to assets | 0.0693% | 2,270 |
| Net operating income to assets | 1.2324% | 1,938 |
| Return on assets (ROA) | 1.6019% | 918 |
| Pretax return on assets | 2.1914% | 457 |
| Return on Equity (ROE) | 18.0980% | 390 |
| Retained earnings to average equity (ytd only) | 16.6040% | 195 |
| Net charge-offs to loans | 0.0002% | 2,739 |
| Credit loss provision to net charge-offs | 42,500.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 10,995.0000% | 2 |
| Efficiency ratio | 31.8647% | 5,306 |
| Assets per employee ($millions) | 29.0397% | 36 |
| Cash dividends to net income (ytd only)* | 8.2553% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6756% | 4,820 |
| Loan loss allowance to noncurrent loans | 2,280.7692% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,726 |
| Noncurrent loans to loans | 0.0296% | 4,646 |
| Net loans and leases to total assets | 83.7802% | 392 |
| Net loans and leases to deposits | 133.8476% | 33 |
| Net loans and leases to core deposits | 183.1177% | 51 |
| Total domestic deposits to total assets | 62.5937% | 5,255 |
| Equity capital to assets | 8.8764% | 4,768 |
| Core capital (leverage) ratio | 9.2269% | 4,438 |
| Tier 1 risk-based capital ratio | 12.3061% | 4,295 |
| Total risk-based capital ratio | 13.0962% | 4,446 |
| Memoranda: | ||
| Average total assets | $2,453,014,500 | 367 |
| Average earning assets | $2,378,570,500 | 353 |
| Average equity | $217,128,500 | 443 |
| Average total loans | $2,064,846,500 | 326 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 3,492 |
| Cost of funding earning assets | 1.2602% | 259 |
| Net interest margin | 2.9208% | 4,888 |
| Noninterest income to average assets | 0.0555% | 5,259 |
| Noninterest expense to average assets | 0.8634% | 5,369 |
| Loan and lease loss provision to assets | 0.0547% | 3,076 |
| Net operating income to assets | 1.4118% | 1,385 |
| Return on assets (ROA) | 1.3090% | 1,744 |
| Pretax return on assets | 1.8399% | 836 |
| Return on Equity (ROE) | 15.1312% | 799 |
| Retained earnings to average equity (ytd only) | 13.0934% | 225 |
| Net charge-offs to loans | -0.0001% | 4,146 |
| Credit loss provision to net charge-offs | -127,000.0000% | 5,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8943% | 5,367 |
| Assets per employee ($millions) | 25.0897% | 38 |
| Cash dividends to net income (ytd only)* | 13.4675% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 4,834 |
| Loan loss allowance to noncurrent loans | 2,841.1523% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 4,780 |
| Noncurrent loans to loans | 0.0240% | 4,672 |
| Net loans and leases to total assets | 83.4220% | 465 |
| Net loans and leases to deposits | 127.0815% | 57 |
| Net loans and leases to core deposits | 171.1317% | 65 |
| Total domestic deposits to total assets | 65.6445% | 5,249 |
| Equity capital to assets | 8.8257% | 4,715 |
| Core capital (leverage) ratio | 9.0938% | 4,565 |
| Tier 1 risk-based capital ratio | 12.4643% | 4,161 |
| Total risk-based capital ratio | 13.2739% | 4,305 |
| Memoranda: | ||
| Average total assets | $2,322,349,400 | 375 |
| Average earning assets | $2,252,270,000 | 360 |
| Average equity | $200,903,000 | 445 |
| Average total loans | $1,938,432,200 | 335 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 3,435 |
| Cost of funding earning assets | 1.1885% | 272 |
| Net interest margin | 2.9706% | 4,889 |
| Noninterest income to average assets | 0.0556% | 5,329 |
| Noninterest expense to average assets | 0.8763% | 5,438 |
| Loan and lease loss provision to assets | 0.0608% | 2,763 |
| Net operating income to assets | 1.4323% | 1,384 |
| Return on assets (ROA) | 1.4913% | 1,213 |
| Pretax return on assets | 2.0743% | 519 |
| Return on Equity (ROE) | 17.3309% | 507 |
| Retained earnings to average equity (ytd only) | 15.8230% | 142 |
| Net charge-offs to loans | -0.0001% | 3,981 |
| Credit loss provision to net charge-offs | -105,000.0000% | 4,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8386% | 5,434 |
| Assets per employee ($millions) | 23.7060% | 41 |
| Cash dividends to net income (ytd only)* | 8.7002% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6827% | 4,905 |
| Loan loss allowance to noncurrent loans | 2,807.4380% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 4,893 |
| Noncurrent loans to loans | 0.0243% | 4,790 |
| Net loans and leases to total assets | 83.3822% | 529 |
| Net loans and leases to deposits | 114.7284% | 172 |
| Net loans and leases to core deposits | 160.2801% | 89 |
| Total domestic deposits to total assets | 72.6779% | 5,084 |
| Equity capital to assets | 8.8479% | 4,682 |
| Core capital (leverage) ratio | 9.0481% | 4,658 |
| Tier 1 risk-based capital ratio | 12.4885% | 4,206 |
| Total risk-based capital ratio | 13.2976% | 4,360 |
| Memoranda: | ||
| Average total assets | $2,300,783,500 | 375 |
| Average earning assets | $2,231,401,250 | 361 |
| Average equity | $197,984,750 | 453 |
| Average total loans | $1,917,259,750 | 334 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 3,444 |
| Cost of funding earning assets | 1.1138% | 274 |
| Net interest margin | 2.9869% | 4,893 |
| Noninterest income to average assets | 0.0559% | 5,388 |
| Noninterest expense to average assets | 0.8906% | 5,502 |
| Loan and lease loss provision to assets | 0.0615% | 2,675 |
| Net operating income to assets | 1.4311% | 1,335 |
| Return on assets (ROA) | 1.4829% | 1,194 |
| Pretax return on assets | 2.0646% | 522 |
| Return on Equity (ROE) | 17.4035% | 485 |
| Retained earnings to average equity (ytd only) | 15.8875% | 161 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1791% | 5,495 |
| Assets per employee ($millions) | 22.8487% | 41 |
| Cash dividends to net income (ytd only)* | 8.7108% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6798% | 4,984 |
| Loan loss allowance to noncurrent loans | 1,064.0675% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 4,759 |
| Noncurrent loans to loans | 0.0639% | 4,638 |
| Net loans and leases to total assets | 83.8063% | 475 |
| Net loans and leases to deposits | 116.9407% | 144 |
| Net loans and leases to core deposits | 148.8460% | 130 |
| Total domestic deposits to total assets | 71.6657% | 5,202 |
| Equity capital to assets | 8.7379% | 4,769 |
| Core capital (leverage) ratio | 8.8632% | 4,825 |
| Tier 1 risk-based capital ratio | 12.2739% | 4,330 |
| Total risk-based capital ratio | 13.0797% | 4,486 |
| Memoranda: | ||
| Average total assets | $2,277,512,330 | 379 |
| Average earning assets | $2,207,593,670 | 363 |
| Average equity | $194,064,000 | 459 |
| Average total loans | $1,892,931,330 | 336 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,471 |
| Cost of funding earning assets | 1.0348% | 317 |
| Net interest margin | 3.0038% | 4,876 |
| Noninterest income to average assets | 0.0562% | 5,459 |
| Noninterest expense to average assets | 0.9022% | 5,571 |
| Loan and lease loss provision to assets | 0.0504% | 2,769 |
| Net operating income to assets | 1.4407% | 1,221 |
| Return on assets (ROA) | 1.5757% | 917 |
| Pretax return on assets | 2.1855% | 392 |
| Return on Equity (ROE) | 18.7352% | 335 |
| Retained earnings to average equity (ytd only) | 17.2111% | 185 |
| Net charge-offs to loans | -0.0002% | 3,736 |
| Credit loss provision to net charge-offs | -28,500.0000% | 4,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.4058% | 5,558 |
| Assets per employee ($millions) | 23.0948% | 42 |
| Cash dividends to net income (ytd only)* | 8.1351% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 5,065 |
| Loan loss allowance to noncurrent loans | 690.1507% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 4,672 |
| Noncurrent loans to loans | 0.0986% | 4,530 |
| Net loans and leases to total assets | 83.5719% | 483 |
| Net loans and leases to deposits | 121.6355% | 98 |
| Net loans and leases to core deposits | 147.7450% | 145 |
| Total domestic deposits to total assets | 68.7068% | 5,398 |
| Equity capital to assets | 8.6773% | 4,836 |
| Core capital (leverage) ratio | 8.5454% | 5,113 |
| Tier 1 risk-based capital ratio | 12.1808% | 4,444 |
| Total risk-based capital ratio | 12.9844% | 4,603 |
| Memoranda: | ||
| Average total assets | $2,262,409,500 | 384 |
| Average earning assets | $2,192,531,000 | 367 |
| Average equity | $190,273,000 | 468 |
| Average total loans | $1,865,771,500 | 340 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 3,639 |
| Cost of funding earning assets | 0.8363% | 513 |
| Net interest margin | 3.0910% | 4,709 |
| Noninterest income to average assets | 0.0636% | 5,501 |
| Noninterest expense to average assets | 0.9189% | 5,626 |
| Loan and lease loss provision to assets | 0.0706% | 2,792 |
| Net operating income to assets | 1.2053% | 1,506 |
| Return on assets (ROA) | 1.2076% | 1,528 |
| Pretax return on assets | 2.0688% | 417 |
| Return on Equity (ROE) | 14.8588% | 632 |
| Retained earnings to average equity (ytd only) | 12.8160% | 141 |
| Net charge-offs to loans | -0.0001% | 4,468 |
| Credit loss provision to net charge-offs | -75,250.0000% | 5,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.0810% | 5,627 |
| Assets per employee ($millions) | 24.0486% | 41 |
| Cash dividends to net income (ytd only)* | 13.7477% | 3,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6789% | 5,105 |
| Loan loss allowance to noncurrent loans | 734.8769% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,745 |
| Noncurrent loans to loans | 0.0924% | 4,579 |
| Net loans and leases to total assets | 80.2762% | 917 |
| Net loans and leases to deposits | 121.2213% | 98 |
| Net loans and leases to core deposits | 145.4462% | 156 |
| Total domestic deposits to total assets | 66.2229% | 5,511 |
| Equity capital to assets | 8.1483% | 5,329 |
| Core capital (leverage) ratio | 7.9687% | 5,459 |
| Tier 1 risk-based capital ratio | 11.6957% | 4,723 |
| Total risk-based capital ratio | 12.7639% | 4,739 |
| Memoranda: | ||
| Average total assets | $2,132,958,400 | 391 |
| Average earning assets | $2,063,959,600 | 370 |
| Average equity | $173,345,600 | 484 |
| Average total loans | $1,713,718,400 | 346 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 3,677 |
| Cost of funding earning assets | 0.7961% | 590 |
| Net interest margin | 3.1046% | 4,704 |
| Noninterest income to average assets | 0.0647% | 5,572 |
| Noninterest expense to average assets | 0.9391% | 5,686 |
| Loan and lease loss provision to assets | 0.0699% | 2,680 |
| Net operating income to assets | 1.2102% | 1,649 |
| Return on assets (ROA) | 1.2134% | 1,669 |
| Pretax return on assets | 2.0639% | 482 |
| Return on Equity (ROE) | 14.9408% | 656 |
| Retained earnings to average equity (ytd only) | 13.3015% | 194 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6105% | 5,690 |
| Assets per employee ($millions) | 23.5635% | 39 |
| Cash dividends to net income (ytd only)* | 10.9724% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 5,182 |
| Loan loss allowance to noncurrent loans | 1,077.0870% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 4,976 |
| Noncurrent loans to loans | 0.0632% | 4,828 |
| Net loans and leases to total assets | 79.9044% | 998 |
| Net loans and leases to deposits | 121.5945% | 81 |
| Net loans and leases to core deposits | 140.1739% | 200 |
| Total domestic deposits to total assets | 65.7138% | 5,590 |
| Equity capital to assets | 8.1138% | 5,477 |
| Core capital (leverage) ratio | 8.1697% | 5,439 |
| Tier 1 risk-based capital ratio | 11.9182% | 4,684 |
| Total risk-based capital ratio | 12.9484% | 4,717 |
| Memoranda: | ||
| Average total assets | $2,095,042,750 | 394 |
| Average earning assets | $2,026,777,250 | 375 |
| Average equity | $170,142,500 | 496 |
| Average total loans | $1,680,511,750 | 355 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 3,607 |
| Cost of funding earning assets | 0.7539% | 672 |
| Net interest margin | 3.1305% | 4,602 |
| Noninterest income to average assets | 0.0672% | 5,604 |
| Noninterest expense to average assets | 0.9673% | 5,737 |
| Loan and lease loss provision to assets | 0.0526% | 2,931 |
| Net operating income to assets | 1.2197% | 1,536 |
| Return on assets (ROA) | 1.2245% | 1,560 |
| Pretax return on assets | 2.0829% | 464 |
| Return on Equity (ROE) | 15.0727% | 647 |
| Retained earnings to average equity (ytd only) | 13.4363% | 225 |
| Net charge-offs to loans | -0.0001% | 4,110 |
| Credit loss provision to net charge-offs | -54,000.0000% | 5,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2498% | 5,737 |
| Assets per employee ($millions) | 21.7634% | 42 |
| Cash dividends to net income (ytd only)* | 10.8568% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 5,234 |
| Loan loss allowance to noncurrent loans | 310.6309% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 4,478 |
| Noncurrent loans to loans | 0.2220% | 4,231 |
| Net loans and leases to total assets | 78.9279% | 1,102 |
| Net loans and leases to deposits | 116.5207% | 145 |
| Net loans and leases to core deposits | 133.7884% | 257 |
| Total domestic deposits to total assets | 67.7372% | 5,603 |
| Equity capital to assets | 8.1884% | 5,453 |
| Core capital (leverage) ratio | 8.1978% | 5,431 |
| Tier 1 risk-based capital ratio | 12.2832% | 4,437 |
| Total risk-based capital ratio | 13.2874% | 4,492 |
| Memoranda: | ||
| Average total assets | $2,055,068,000 | 400 |
| Average earning assets | $1,987,886,000 | 384 |
| Average equity | $166,950,670 | 505 |
| Average total loans | $1,646,687,330 | 364 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 3,544 |
| Cost of funding earning assets | 0.7123% | 791 |
| Net interest margin | 3.1499% | 4,501 |
| Noninterest income to average assets | 0.0653% | 5,688 |
| Noninterest expense to average assets | 1.0099% | 5,804 |
| Loan and lease loss provision to assets | 0.0503% | 2,800 |
| Net operating income to assets | 1.2061% | 1,494 |
| Return on assets (ROA) | 1.2061% | 1,528 |
| Pretax return on assets | 2.0516% | 461 |
| Return on Equity (ROE) | 14.9077% | 659 |
| Retained earnings to average equity (ytd only) | 13.2394% | 358 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4540% | 5,788 |
| Assets per employee ($millions) | 21.2450% | 42 |
| Cash dividends to net income (ytd only)* | 11.1911% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 5,336 |
| Loan loss allowance to noncurrent loans | 846.5866% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 4,899 |
| Noncurrent loans to loans | 0.0810% | 4,869 |
| Net loans and leases to total assets | 80.1311% | 815 |
| Net loans and leases to deposits | 115.9711% | 123 |
| Net loans and leases to core deposits | 128.3341% | 283 |
| Total domestic deposits to total assets | 69.0957% | 5,655 |
| Equity capital to assets | 8.1866% | 5,427 |
| Core capital (leverage) ratio | 8.1393% | 5,485 |
| Tier 1 risk-based capital ratio | 12.2523% | 4,543 |
| Total risk-based capital ratio | 13.2649% | 4,602 |
| Memoranda: | ||
| Average total assets | $2,027,075,000 | 405 |
| Average earning assets | $1,960,545,500 | 384 |
| Average equity | $163,995,500 | 510 |
| Average total loans | $1,631,140,500 | 367 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 3,543 |
| Cost of funding earning assets | 0.7289% | 706 |
| Net interest margin | 3.1794% | 4,505 |
| Noninterest income to average assets | 0.0727% | 5,714 |
| Noninterest expense to average assets | 1.0096% | 5,855 |
| Loan and lease loss provision to assets | 0.0597% | 3,191 |
| Net operating income to assets | 1.2196% | 1,438 |
| Return on assets (ROA) | 1.2312% | 1,496 |
| Pretax return on assets | 2.0904% | 409 |
| Return on Equity (ROE) | 15.7224% | 533 |
| Retained earnings to average equity (ytd only) | 13.4912% | 148 |
| Net charge-offs to loans | 0.0007% | 4,264 |
| Credit loss provision to net charge-offs | 11,350.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 4,056.0000% | 7 |
| Efficiency ratio | 32.1376% | 5,859 |
| Assets per employee ($millions) | 19.9468% | 45 |
| Cash dividends to net income (ytd only)* | 14.1912% | 3,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6823% | 5,392 |
| Loan loss allowance to noncurrent loans | 613.8008% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 4,979 |
| Noncurrent loans to loans | 0.1112% | 4,785 |
| Net loans and leases to total assets | 79.7008% | 934 |
| Net loans and leases to deposits | 117.0100% | 119 |
| Net loans and leases to core deposits | 127.7067% | 314 |
| Total domestic deposits to total assets | 68.1146% | 5,714 |
| Equity capital to assets | 7.9927% | 5,565 |
| Core capital (leverage) ratio | 7.9753% | 5,630 |
| Tier 1 risk-based capital ratio | 12.0578% | 4,690 |
| Total risk-based capital ratio | 13.0442% | 4,762 |
| Memoranda: | ||
| Average total assets | $1,902,443,800 | 413 |
| Average earning assets | $1,836,295,800 | 392 |
| Average equity | $148,978,400 | 533 |
| Average total loans | $1,521,130,200 | 372 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 3,573 |
| Cost of funding earning assets | 0.7335% | 686 |
| Net interest margin | 3.1705% | 4,576 |
| Noninterest income to average assets | 0.0735% | 5,778 |
| Noninterest expense to average assets | 1.0316% | 5,918 |
| Loan and lease loss provision to assets | 0.0576% | 3,095 |
| Net operating income to assets | 1.2032% | 1,641 |
| Return on assets (ROA) | 1.2188% | 1,669 |
| Pretax return on assets | 2.0676% | 496 |
| Return on Equity (ROE) | 15.6516% | 591 |
| Retained earnings to average equity (ytd only) | 13.8612% | 180 |
| Net charge-offs to loans | 0.0002% | 3,951 |
| Credit loss provision to net charge-offs | 40,500.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 14,747.6966% | 1 |
| Efficiency ratio | 32.9329% | 5,915 |
| Assets per employee ($millions) | 20.0036% | 46 |
| Cash dividends to net income (ytd only)* | 11.4386% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6808% | 5,463 |
| Loan loss allowance to noncurrent loans | 334.8859% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 4,777 |
| Noncurrent loans to loans | 0.2033% | 4,542 |
| Net loans and leases to total assets | 79.7294% | 927 |
| Net loans and leases to deposits | 116.5262% | 151 |
| Net loans and leases to core deposits | 127.4068% | 345 |
| Total domestic deposits to total assets | 68.4218% | 5,758 |
| Equity capital to assets | 7.8636% | 5,781 |
| Core capital (leverage) ratio | 7.9159% | 5,716 |
| Tier 1 risk-based capital ratio | 12.1709% | 4,691 |
| Total risk-based capital ratio | 13.0789% | 4,796 |
| Memoranda: | ||
| Average total assets | $1,874,398,250 | 415 |
| Average earning assets | $1,808,380,250 | 398 |
| Average equity | $145,967,000 | 545 |
| Average total loans | $1,497,236,750 | 375 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 3,602 |
| Cost of funding earning assets | 0.7376% | 671 |
| Net interest margin | 3.1645% | 4,655 |
| Noninterest income to average assets | 0.0742% | 5,852 |
| Noninterest expense to average assets | 1.0519% | 5,996 |
| Loan and lease loss provision to assets | 0.0553% | 3,042 |
| Net operating income to assets | 1.1888% | 1,644 |
| Return on assets (ROA) | 1.2126% | 1,649 |
| Pretax return on assets | 2.0564% | 516 |
| Return on Equity (ROE) | 15.6257% | 592 |
| Retained earnings to average equity (ytd only) | 13.8413% | 197 |
| Net charge-offs to loans | 0.0003% | 3,686 |
| Credit loss provision to net charge-offs | 25,500.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 9,572.0000% | 2 |
| Efficiency ratio | 33.6476% | 5,991 |
| Assets per employee ($millions) | 18.9971% | 48 |
| Cash dividends to net income (ytd only)* | 11.4199% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 5,561 |
| Loan loss allowance to noncurrent loans | 302.0888% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 4,777 |
| Noncurrent loans to loans | 0.2244% | 4,536 |
| Net loans and leases to total assets | 79.5040% | 988 |
| Net loans and leases to deposits | 115.1034% | 161 |
| Net loans and leases to core deposits | 126.9957% | 353 |
| Total domestic deposits to total assets | 69.0718% | 5,812 |
| Equity capital to assets | 7.7394% | 5,872 |
| Core capital (leverage) ratio | 7.6346% | 5,848 |
| Tier 1 risk-based capital ratio | 12.5287% | 4,499 |
| Total risk-based capital ratio | 13.4499% | 4,623 |
| Memoranda: | ||
| Average total assets | $1,845,748,330 | 420 |
| Average earning assets | $1,780,177,670 | 400 |
| Average equity | $143,238,000 | 557 |
| Average total loans | $1,471,753,670 | 378 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9005% | 3,588 |
| Cost of funding earning assets | 0.7316% | 685 |
| Net interest margin | 3.1689% | 4,679 |
| Noninterest income to average assets | 0.0730% | 5,898 |
| Noninterest expense to average assets | 1.0765% | 6,062 |
| Loan and lease loss provision to assets | 0.0564% | 2,817 |
| Net operating income to assets | 1.1771% | 1,624 |
| Return on assets (ROA) | 1.1771% | 1,727 |
| Pretax return on assets | 1.9986% | 572 |
| Return on Equity (ROE) | 15.1456% | 646 |
| Retained earnings to average equity (ytd only) | 13.3278% | 364 |
| Net charge-offs to loans | 0.0006% | 3,089 |
| Credit loss provision to net charge-offs | 12,750.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 4,647.5000% | 4 |
| Efficiency ratio | 34.3759% | 6,040 |
| Assets per employee ($millions) | 17.2894% | 60 |
| Cash dividends to net income (ytd only)* | 12.0023% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6939% | 5,603 |
| Loan loss allowance to noncurrent loans | 311.7864% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 4,825 |
| Noncurrent loans to loans | 0.2226% | 4,631 |
| Net loans and leases to total assets | 78.5830% | 1,014 |
| Net loans and leases to deposits | 114.0993% | 149 |
| Net loans and leases to core deposits | 126.3808% | 331 |
| Total domestic deposits to total assets | 68.8725% | 5,898 |
| Equity capital to assets | 7.7408% | 5,898 |
| Core capital (leverage) ratio | 7.9448% | 5,795 |
| Tier 1 risk-based capital ratio | 12.7972% | 4,398 |
| Total risk-based capital ratio | 13.7495% | 4,485 |
| Memoranda: | ||
| Average total assets | $1,809,268,500 | 426 |
| Average earning assets | $1,746,248,000 | 405 |
| Average equity | $140,608,500 | 562 |
| Average total loans | $1,439,699,000 | 385 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 3,679 |
| Cost of funding earning assets | 0.6893% | 869 |
| Net interest margin | 3.2186% | 4,559 |
| Noninterest income to average assets | 0.0961% | 5,886 |
| Noninterest expense to average assets | 1.1653% | 6,097 |
| Loan and lease loss provision to assets | 0.0380% | 3,581 |
| Net operating income to assets | 1.1756% | 1,651 |
| Return on assets (ROA) | 1.1767% | 1,717 |
| Pretax return on assets | 1.9937% | 545 |
| Return on Equity (ROE) | 14.9091% | 698 |
| Retained earnings to average equity (ytd only) | 12.5138% | 229 |
| Net charge-offs to loans | -0.0131% | 5,169 |
| Credit loss provision to net charge-offs | -363.3721% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4701% | 6,105 |
| Assets per employee ($millions) | 15.9330% | 69 |
| Cash dividends to net income (ytd only)* | 16.0662% | 3,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6998% | 5,636 |
| Loan loss allowance to noncurrent loans | 539.7820% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 5,189 |
| Noncurrent loans to loans | 0.1296% | 4,974 |
| Net loans and leases to total assets | 79.4752% | 922 |
| Net loans and leases to deposits | 114.9916% | 155 |
| Net loans and leases to core deposits | 125.7078% | 343 |
| Total domestic deposits to total assets | 69.1140% | 5,933 |
| Equity capital to assets | 7.8038% | 5,920 |
| Core capital (leverage) ratio | 7.9484% | 5,861 |
| Tier 1 risk-based capital ratio | 12.8470% | 4,422 |
| Total risk-based capital ratio | 13.7949% | 4,502 |
| Memoranda: | ||
| Average total assets | $1,643,960,600 | 442 |
| Average earning assets | $1,582,934,200 | 416 |
| Average equity | $129,753,200 | 585 |
| Average total loans | $1,316,690,600 | 386 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9157% | 3,699 |
| Cost of funding earning assets | 0.6832% | 917 |
| Net interest margin | 3.2325% | 4,568 |
| Noninterest income to average assets | 0.0985% | 5,972 |
| Noninterest expense to average assets | 1.1910% | 6,174 |
| Loan and lease loss provision to assets | 0.0434% | 3,353 |
| Net operating income to assets | 1.1651% | 1,777 |
| Return on assets (ROA) | 1.1666% | 1,840 |
| Pretax return on assets | 1.9771% | 626 |
| Return on Equity (ROE) | 14.7356% | 763 |
| Retained earnings to average equity (ytd only) | 12.8237% | 291 |
| Net charge-offs to loans | -0.0002% | 4,645 |
| Credit loss provision to net charge-offs | -26,250.0000% | 5,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1133% | 6,172 |
| Assets per employee ($millions) | 15.8037% | 70 |
| Cash dividends to net income (ytd only)* | 12.9748% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7125% | 5,702 |
| Loan loss allowance to noncurrent loans | 345.9605% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 5,066 |
| Noncurrent loans to loans | 0.2059% | 4,825 |
| Net loans and leases to total assets | 79.4012% | 896 |
| Net loans and leases to deposits | 113.2858% | 183 |
| Net loans and leases to core deposits | 124.6107% | 362 |
| Total domestic deposits to total assets | 70.0892% | 5,968 |
| Equity capital to assets | 7.9229% | 5,981 |
| Core capital (leverage) ratio | 8.0656% | 5,866 |
| Tier 1 risk-based capital ratio | 13.0315% | 4,415 |
| Total risk-based capital ratio | 13.9900% | 4,490 |
| Memoranda: | ||
| Average total assets | $1,612,809,250 | 451 |
| Average earning assets | $1,552,055,250 | 427 |
| Average equity | $127,687,750 | 602 |
| Average total loans | $1,291,994,000 | 395 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 3,581 |
| Cost of funding earning assets | 0.6768% | 956 |
| Net interest margin | 3.2516% | 4,493 |
| Noninterest income to average assets | 0.1037% | 6,015 |
| Noninterest expense to average assets | 1.2143% | 6,245 |
| Loan and lease loss provision to assets | 0.0441% | 3,227 |
| Net operating income to assets | 1.1644% | 1,729 |
| Return on assets (ROA) | 1.1644% | 1,799 |
| Pretax return on assets | 1.9723% | 628 |
| Return on Equity (ROE) | 14.7112% | 782 |
| Retained earnings to average equity (ytd only) | 12.8130% | 321 |
| Net charge-offs to loans | -0.0002% | 4,538 |
| Credit loss provision to net charge-offs | -35,000.0000% | 5,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5858% | 6,245 |
| Assets per employee ($millions) | 14.9913% | 75 |
| Cash dividends to net income (ytd only)* | 12.9032% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7256% | 5,756 |
| Loan loss allowance to noncurrent loans | 569.1336% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 5,410 |
| Noncurrent loans to loans | 0.1275% | 5,241 |
| Net loans and leases to total assets | 79.2017% | 910 |
| Net loans and leases to deposits | 114.2103% | 176 |
| Net loans and leases to core deposits | 124.4452% | 366 |
| Total domestic deposits to total assets | 69.3472% | 6,064 |
| Equity capital to assets | 7.9414% | 6,009 |
| Core capital (leverage) ratio | 8.1509% | 5,830 |
| Tier 1 risk-based capital ratio | 13.0404% | 4,494 |
| Total risk-based capital ratio | 14.0163% | 4,559 |
| Memoranda: | ||
| Average total assets | $1,586,747,670 | 455 |
| Average earning assets | $1,525,950,000 | 433 |
| Average equity | $125,591,670 | 611 |
| Average total loans | $1,271,890,670 | 396 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 3,377 |
| Cost of funding earning assets | 0.6813% | 940 |
| Net interest margin | 3.2796% | 4,296 |
| Noninterest income to average assets | 0.0893% | 6,125 |
| Noninterest expense to average assets | 1.2416% | 6,308 |
| Loan and lease loss provision to assets | 0.0448% | 3,027 |
| Net operating income to assets | 1.1554% | 1,685 |
| Return on assets (ROA) | 1.1554% | 1,788 |
| Pretax return on assets | 1.9579% | 634 |
| Return on Equity (ROE) | 14.6230% | 768 |
| Retained earnings to average equity (ytd only) | 12.6927% | 481 |
| Net charge-offs to loans | -0.0003% | 4,310 |
| Credit loss provision to net charge-offs | -17,500.0000% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2710% | 6,301 |
| Assets per employee ($millions) | 13.8067% | 98 |
| Cash dividends to net income (ytd only)* | 13.2004% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7344% | 5,840 |
| Loan loss allowance to noncurrent loans | 447.6374% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 5,277 |
| Noncurrent loans to loans | 0.1641% | 5,183 |
| Net loans and leases to total assets | 79.7316% | 713 |
| Net loans and leases to deposits | 109.9873% | 222 |
| Net loans and leases to core deposits | 118.9365% | 433 |
| Total domestic deposits to total assets | 72.4917% | 6,014 |
| Equity capital to assets | 7.9730% | 6,046 |
| Core capital (leverage) ratio | 7.9559% | 5,966 |
| Tier 1 risk-based capital ratio | 13.0621% | 4,566 |
| Total risk-based capital ratio | 14.0456% | 4,650 |
| Memoranda: | ||
| Average total assets | $1,563,097,500 | 461 |
| Average earning assets | $1,503,701,000 | 439 |
| Average equity | $123,504,000 | 619 |
| Average total loans | $1,256,010,000 | 399 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 3,697 |
| Cost of funding earning assets | 0.7089% | 1,053 |
| Net interest margin | 3.3001% | 4,566 |
| Noninterest income to average assets | 0.5409% | 3,229 |
| Noninterest expense to average assets | 1.3738% | 6,369 |
| Loan and lease loss provision to assets | 0.0426% | 3,711 |
| Net operating income to assets | 1.5178% | 843 |
| Return on assets (ROA) | 1.5176% | 878 |
| Pretax return on assets | 2.2771% | 278 |
| Return on Equity (ROE) | 19.4549% | 281 |
| Retained earnings to average equity (ytd only) | 15.5489% | 135 |
| Net charge-offs to loans | 0.0022% | 4,926 |
| Credit loss provision to net charge-offs | 2,403.8462% | 132 |
| Earnings coverage of net charge-offs (x) | 1,309.0769% | 31 |
| Efficiency ratio | 37.1925% | 6,430 |
| Assets per employee ($millions) | 13.7365% | 93 |
| Cash dividends to net income (ytd only)* | 20.0773% | 3,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7299% | 5,924 |
| Loan loss allowance to noncurrent loans | 397.2089% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 5,234 |
| Noncurrent loans to loans | 0.1838% | 5,172 |
| Net loans and leases to total assets | 79.8000% | 760 |
| Net loans and leases to deposits | 113.2189% | 174 |
| Net loans and leases to core deposits | 122.1130% | 366 |
| Total domestic deposits to total assets | 70.4830% | 6,174 |
| Equity capital to assets | 7.8284% | 6,133 |
| Core capital (leverage) ratio | 7.8591% | 6,074 |
| Tier 1 risk-based capital ratio | 12.8250% | 4,844 |
| Total risk-based capital ratio | 13.8019% | 4,927 |
| Memoranda: | ||
| Average total assets | $1,467,058,800 | 476 |
| Average earning assets | $1,401,654,400 | 452 |
| Average equity | $114,439,200 | 639 |
| Average total loans | $1,177,666,000 | 401 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 3,724 |
| Cost of funding earning assets | 0.7156% | 1,076 |
| Net interest margin | 3.2925% | 4,635 |
| Noninterest income to average assets | 0.6984% | 2,332 |
| Noninterest expense to average assets | 1.4209% | 6,389 |
| Loan and lease loss provision to assets | 0.0438% | 3,521 |
| Net operating income to assets | 1.6353% | 693 |
| Return on assets (ROA) | 1.6350% | 719 |
| Pretax return on assets | 2.3735% | 271 |
| Return on Equity (ROE) | 20.9799% | 234 |
| Retained earnings to average equity (ytd only) | 18.9137% | 88 |
| Net charge-offs to loans | 0.0036% | 4,576 |
| Credit loss provision to net charge-offs | 1,532.2581% | 240 |
| Earnings coverage of net charge-offs (x) | 845.7568% | 85 |
| Efficiency ratio | 37.0162% | 6,496 |
| Assets per employee ($millions) | 13.4462% | 102 |
| Cash dividends to net income (ytd only)* | 9.8483% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7360% | 6,027 |
| Loan loss allowance to noncurrent loans | 159.1927% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 4,631 |
| Noncurrent loans to loans | 0.4623% | 4,518 |
| Net loans and leases to total assets | 80.1828% | 702 |
| Net loans and leases to deposits | 113.8623% | 155 |
| Net loans and leases to core deposits | 122.4295% | 341 |
| Total domestic deposits to total assets | 70.4208% | 6,266 |
| Equity capital to assets | 7.9445% | 6,162 |
| Core capital (leverage) ratio | 7.9712% | 6,090 |
| Tier 1 risk-based capital ratio | 12.9224% | 4,913 |
| Total risk-based capital ratio | 13.9020% | 4,978 |
| Memoranda: | ||
| Average total assets | $1,445,766,250 | 479 |
| Average earning assets | $1,378,948,250 | 455 |
| Average equity | $112,670,250 | 648 |
| Average total loans | $1,160,135,750 | 401 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9886% | 3,772 |
| Cost of funding earning assets | 0.7286% | 1,025 |
| Net interest margin | 3.2599% | 4,739 |
| Noninterest income to average assets | 0.9855% | 1,242 |
| Noninterest expense to average assets | 1.4993% | 6,423 |
| Loan and lease loss provision to assets | 0.0456% | 3,405 |
| Net operating income to assets | 1.8590% | 441 |
| Return on assets (ROA) | 1.8585% | 454 |
| Pretax return on assets | 2.5416% | 194 |
| Return on Equity (ROE) | 24.0116% | 136 |
| Retained earnings to average equity (ytd only) | 21.9273% | 66 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6831% | 6,569 |
| Assets per employee ($millions) | 12.3418% | 123 |
| Cash dividends to net income (ytd only)* | 8.6806% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7380% | 6,116 |
| Loan loss allowance to noncurrent loans | 144.1344% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 4,674 |
| Noncurrent loans to loans | 0.5120% | 4,465 |
| Net loans and leases to total assets | 80.2296% | 660 |
| Net loans and leases to deposits | 115.4339% | 126 |
| Net loans and leases to core deposits | 124.7516% | 288 |
| Total domestic deposits to total assets | 69.5027% | 6,371 |
| Equity capital to assets | 7.8083% | 6,251 |
| Core capital (leverage) ratio | 8.0221% | 6,082 |
| Tier 1 risk-based capital ratio | 12.5656% | 5,182 |
| Total risk-based capital ratio | 13.5294% | 5,288 |
| Memoranda: | ||
| Average total assets | $1,425,698,670 | 481 |
| Average earning assets | $1,356,528,670 | 457 |
| Average equity | $110,346,670 | 658 |
| Average total loans | $1,141,354,000 | 406 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9922% | 3,720 |
| Cost of funding earning assets | 0.7571% | 940 |
| Net interest margin | 3.2351% | 4,798 |
| Noninterest income to average assets | 1.8921% | 370 |
| Noninterest expense to average assets | 1.6143% | 6,419 |
| Loan and lease loss provision to assets | 0.0429% | 3,237 |
| Net operating income to assets | 2.6823% | 121 |
| Return on assets (ROA) | 2.6823% | 129 |
| Pretax return on assets | 3.3001% | 117 |
| Return on Equity (ROE) | 34.8193% | 46 |
| Retained earnings to average equity (ytd only) | 32.6837% | 31 |
| Net charge-offs to loans | -0.0004% | 4,666 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5638% | 6,659 |
| Assets per employee ($millions) | 11.9967% | 136 |
| Cash dividends to net income (ytd only)* | 6.1333% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 6,174 |
| Loan loss allowance to noncurrent loans | 135.1225% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 4,616 |
| Noncurrent loans to loans | 0.5624% | 4,474 |
| Net loans and leases to total assets | 78.5585% | 703 |
| Net loans and leases to deposits | 111.4207% | 127 |
| Net loans and leases to core deposits | 120.4626% | 317 |
| Total domestic deposits to total assets | 70.5062% | 6,433 |
| Equity capital to assets | 7.7925% | 6,182 |
| Core capital (leverage) ratio | 8.1269% | 6,013 |
| Tier 1 risk-based capital ratio | 13.1679% | 4,913 |
| Total risk-based capital ratio | 14.1942% | 4,973 |
| Memoranda: | ||
| Average total assets | $1,398,039,000 | 487 |
| Average earning assets | $1,324,592,000 | 468 |
| Average equity | $107,699,000 | 675 |
| Average total loans | $1,113,506,500 | 412 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 3,799 |
| Cost of funding earning assets | 0.8694% | 866 |
| Net interest margin | 3.2152% | 4,951 |
| Noninterest income to average assets | 0.1380% | 6,249 |
| Noninterest expense to average assets | 1.3864% | 6,636 |
| Loan and lease loss provision to assets | 0.0299% | 4,512 |
| Net operating income to assets | 1.0532% | 2,102 |
| Return on assets (ROA) | 1.0532% | 2,178 |
| Pretax return on assets | 1.7810% | 789 |
| Return on Equity (ROE) | 13.6308% | 1,035 |
| Retained earnings to average equity (ytd only) | 10.7234% | 462 |
| Net charge-offs to loans | -0.0129% | 6,062 |
| Credit loss provision to net charge-offs | -292.3077% | 6,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3608% | 6,628 |
| Assets per employee ($millions) | 11.1186% | 168 |
| Cash dividends to net income (ytd only)* | 21.3297% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7825% | 6,212 |
| Loan loss allowance to noncurrent loans | 143.3698% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 4,869 |
| Noncurrent loans to loans | 0.5458% | 4,625 |
| Net loans and leases to total assets | 79.5380% | 644 |
| Net loans and leases to deposits | 114.1597% | 116 |
| Net loans and leases to core deposits | 124.7936% | 252 |
| Total domestic deposits to total assets | 69.6726% | 6,535 |
| Equity capital to assets | 7.6092% | 6,229 |
| Core capital (leverage) ratio | 7.8027% | 6,242 |
| Tier 1 risk-based capital ratio | 12.7799% | 5,128 |
| Total risk-based capital ratio | 13.8342% | 5,188 |
| Memoranda: | ||
| Average total assets | $1,269,565,200 | 520 |
| Average earning assets | $1,208,025,800 | 494 |
| Average equity | $98,094,000 | 722 |
| Average total loans | $1,007,165,600 | 427 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 3,703 |
| Cost of funding earning assets | 0.8845% | 885 |
| Net interest margin | 3.2291% | 4,902 |
| Noninterest income to average assets | 0.1314% | 6,361 |
| Noninterest expense to average assets | 1.3878% | 6,702 |
| Loan and lease loss provision to assets | 0.0310% | 4,387 |
| Net operating income to assets | 1.0560% | 2,166 |
| Return on assets (ROA) | 1.0560% | 2,250 |
| Pretax return on assets | 1.7862% | 935 |
| Return on Equity (ROE) | 13.6107% | 1,096 |
| Retained earnings to average equity (ytd only) | 11.2957% | 522 |
| Net charge-offs to loans | -0.0178% | 6,019 |
| Credit loss provision to net charge-offs | -219.6970% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3006% | 6,676 |
| Assets per employee ($millions) | 10.7765% | 187 |
| Cash dividends to net income (ytd only)* | 17.0090% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 6,229 |
| Loan loss allowance to noncurrent loans | 195.8828% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 5,312 |
| Noncurrent loans to loans | 0.4205% | 5,144 |
| Net loans and leases to total assets | 77.7506% | 774 |
| Net loans and leases to deposits | 111.3156% | 138 |
| Net loans and leases to core deposits | 124.0647% | 261 |
| Total domestic deposits to total assets | 69.8470% | 6,607 |
| Equity capital to assets | 7.7419% | 6,292 |
| Core capital (leverage) ratio | 7.9641% | 6,246 |
| Tier 1 risk-based capital ratio | 13.2249% | 4,967 |
| Total risk-based capital ratio | 14.3289% | 5,024 |
| Memoranda: | ||
| Average total assets | $1,247,837,750 | 526 |
| Average earning assets | $1,187,728,000 | 507 |
| Average equity | $96,813,250 | 734 |
| Average total loans | $987,101,500 | 432 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 3,587 |
| Cost of funding earning assets | 0.9034% | 882 |
| Net interest margin | 3.2360% | 4,819 |
| Noninterest income to average assets | 0.1311% | 6,398 |
| Noninterest expense to average assets | 1.3937% | 6,737 |
| Loan and lease loss provision to assets | 0.0325% | 4,284 |
| Net operating income to assets | 1.0544% | 2,098 |
| Return on assets (ROA) | 1.0544% | 2,214 |
| Pretax return on assets | 1.7835% | 961 |
| Return on Equity (ROE) | 13.5801% | 1,110 |
| Retained earnings to average equity (ytd only) | 11.2622% | 599 |
| Net charge-offs to loans | -0.0269% | 6,064 |
| Credit loss provision to net charge-offs | -152.6718% | 5,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4199% | 6,726 |
| Assets per employee ($millions) | 10.1248% | 213 |
| Cash dividends to net income (ytd only)* | 17.0679% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 6,293 |
| Loan loss allowance to noncurrent loans | 191.3183% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 5,331 |
| Noncurrent loans to loans | 0.4357% | 5,175 |
| Net loans and leases to total assets | 78.9243% | 643 |
| Net loans and leases to deposits | 110.6531% | 133 |
| Net loans and leases to core deposits | 123.9096% | 256 |
| Total domestic deposits to total assets | 71.3259% | 6,600 |
| Equity capital to assets | 7.8079% | 6,312 |
| Core capital (leverage) ratio | 8.0324% | 6,162 |
| Tier 1 risk-based capital ratio | 12.9115% | 5,213 |
| Total risk-based capital ratio | 14.0090% | 5,255 |
| Memoranda: | ||
| Average total assets | $1,229,133,000 | 534 |
| Average earning assets | $1,169,345,000 | 508 |
| Average equity | $95,434,000 | 741 |
| Average total loans | $975,384,670 | 435 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1509% | 3,507 |
| Cost of funding earning assets | 0.9175% | 903 |
| Net interest margin | 3.2334% | 4,790 |
| Noninterest income to average assets | 0.1290% | 6,448 |
| Noninterest expense to average assets | 1.3859% | 6,830 |
| Loan and lease loss provision to assets | 0.0329% | 4,032 |
| Net operating income to assets | 1.0543% | 2,020 |
| Return on assets (ROA) | 1.0543% | 2,131 |
| Pretax return on assets | 1.7859% | 906 |
| Return on Equity (ROE) | 13.6183% | 1,031 |
| Retained earnings to average equity (ytd only) | 11.2686% | 821 |
| Net charge-offs to loans | -0.0486% | 6,121 |
| Credit loss provision to net charge-offs | -85.4701% | 5,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2457% | 6,800 |
| Assets per employee ($millions) | 10.4789% | 195 |
| Cash dividends to net income (ytd only)* | 17.2543% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 6,372 |
| Loan loss allowance to noncurrent loans | 209.3782% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 5,515 |
| Noncurrent loans to loans | 0.4048% | 5,411 |
| Net loans and leases to total assets | 78.3880% | 572 |
| Net loans and leases to deposits | 109.1305% | 140 |
| Net loans and leases to core deposits | 122.4552% | 256 |
| Total domestic deposits to total assets | 71.8297% | 6,665 |
| Equity capital to assets | 7.7875% | 6,477 |
| Core capital (leverage) ratio | 7.9225% | 6,203 |
| Tier 1 risk-based capital ratio | 12.9404% | 5,270 |
| Total risk-based capital ratio | 14.0638% | 5,307 |
| Memoranda: | ||
| Average total assets | $1,215,965,000 | 543 |
| Average earning assets | $1,156,667,500 | 520 |
| Average equity | $94,138,000 | 762 |
| Average total loans | $963,477,000 | 440 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 3,780 |
| Cost of funding earning assets | 0.9873% | 1,424 |
| Net interest margin | 3.4206% | 4,814 |
| Noninterest income to average assets | 0.1653% | 6,211 |
| Noninterest expense to average assets | 1.4305% | 6,902 |
| Loan and lease loss provision to assets | 0.0621% | 4,992 |
| Net operating income to assets | 1.1386% | 1,811 |
| Return on assets (ROA) | 1.1386% | 1,979 |
| Pretax return on assets | 1.9192% | 715 |
| Return on Equity (ROE) | 15.1591% | 785 |
| Retained earnings to average equity (ytd only) | 12.0064% | 324 |
| Net charge-offs to loans | 0.0268% | 5,524 |
| Credit loss provision to net charge-offs | 299.5868% | 821 |
| Earnings coverage of net charge-offs (x) | 95.5620% | 405 |
| Efficiency ratio | 41.9280% | 6,895 |
| Assets per employee ($millions) | 10.3068% | 212 |
| Cash dividends to net income (ytd only)* | 20.7976% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8353% | 6,421 |
| Loan loss allowance to noncurrent loans | 273.6572% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 5,844 |
| Noncurrent loans to loans | 0.3052% | 5,717 |
| Net loans and leases to total assets | 78.7526% | 589 |
| Net loans and leases to deposits | 108.7321% | 175 |
| Net loans and leases to core deposits | 122.3085% | 257 |
| Total domestic deposits to total assets | 72.4281% | 6,667 |
| Equity capital to assets | 7.6954% | 6,556 |
| Core capital (leverage) ratio | 7.6511% | 6,429 |
| Tier 1 risk-based capital ratio | 12.6797% | 5,339 |
| Total risk-based capital ratio | 13.7851% | 5,404 |
| Memoranda: | ||
| Average total assets | $1,167,233,000 | 566 |
| Average earning assets | $1,107,824,200 | 534 |
| Average equity | $87,670,200 | 791 |
| Average total loans | $901,630,800 | 457 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 3,954 |
| Cost of funding earning assets | 0.9920% | 1,608 |
| Net interest margin | 3.4305% | 4,921 |
| Noninterest income to average assets | 0.1571% | 6,365 |
| Noninterest expense to average assets | 1.4174% | 6,985 |
| Loan and lease loss provision to assets | 0.0662% | 4,864 |
| Net operating income to assets | 1.1444% | 1,928 |
| Return on assets (ROA) | 1.1444% | 2,122 |
| Pretax return on assets | 1.9285% | 815 |
| Return on Equity (ROE) | 15.3351% | 843 |
| Retained earnings to average equity (ytd only) | 12.8086% | 408 |
| Net charge-offs to loans | 0.0317% | 5,200 |
| Credit loss provision to net charge-offs | 272.5118% | 999 |
| Earnings coverage of net charge-offs (x) | 82.0748% | 505 |
| Efficiency ratio | 41.5406% | 6,980 |
| Assets per employee ($millions) | 10.5615% | 199 |
| Cash dividends to net income (ytd only)* | 16.4754% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 6,505 |
| Loan loss allowance to noncurrent loans | 231.2207% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 5,229 |
| Noncurrent loans to loans | 0.3683% | 5,743 |
| Net loans and leases to total assets | 76.8794% | 859 |
| Net loans and leases to deposits | 110.3431% | 156 |
| Net loans and leases to core deposits | 123.8830% | 248 |
| Total domestic deposits to total assets | 69.6731% | 6,860 |
| Equity capital to assets | 7.5926% | 6,751 |
| Core capital (leverage) ratio | 7.8164% | 6,454 |
| Tier 1 risk-based capital ratio | 12.7534% | 5,438 |
| Total risk-based capital ratio | 13.8795% | 5,497 |
| Memoranda: | ||
| Average total assets | $1,157,567,250 | 573 |
| Average earning assets | $1,098,367,750 | 543 |
| Average equity | $86,388,000 | 805 |
| Average total loans | $887,620,000 | 464 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 3,855 |
| Cost of funding earning assets | 1.0035% | 1,742 |
| Net interest margin | 3.4752% | 4,780 |
| Noninterest income to average assets | 0.1580% | 6,400 |
| Noninterest expense to average assets | 1.4350% | 7,040 |
| Loan and lease loss provision to assets | 0.0742% | 4,698 |
| Net operating income to assets | 1.1538% | 1,868 |
| Return on assets (ROA) | 1.1538% | 2,079 |
| Pretax return on assets | 1.9438% | 776 |
| Return on Equity (ROE) | 15.5544% | 842 |
| Retained earnings to average equity (ytd only) | 13.0032% | 439 |
| Net charge-offs to loans | 0.0274% | 4,992 |
| Credit loss provision to net charge-offs | 354.1667% | 826 |
| Earnings coverage of net charge-offs (x) | 96.3250% | 442 |
| Efficiency ratio | 41.5592% | 7,033 |
| Assets per employee ($millions) | 9.8223% | 240 |
| Cash dividends to net income (ytd only)* | 16.4019% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 6,514 |
| Loan loss allowance to noncurrent loans | 144.9407% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 4,948 |
| Noncurrent loans to loans | 0.6056% | 5,304 |
| Net loans and leases to total assets | 76.2057% | 942 |
| Net loans and leases to deposits | 106.4044% | 219 |
| Net loans and leases to core deposits | 119.3491% | 325 |
| Total domestic deposits to total assets | 71.6189% | 6,821 |
| Equity capital to assets | 7.5722% | 6,770 |
| Core capital (leverage) ratio | 7.6424% | 6,543 |
| Tier 1 risk-based capital ratio | 12.8582% | 5,290 |
| Total risk-based capital ratio | 14.0184% | 5,334 |
| Memoranda: | ||
| Average total assets | $1,145,607,000 | 577 |
| Average earning assets | $1,086,209,330 | 551 |
| Average equity | $84,979,330 | 812 |
| Average total loans | $875,028,000 | 469 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 3,937 |
| Cost of funding earning assets | 1.0238% | 1,846 |
| Net interest margin | 3.4699% | 4,827 |
| Noninterest income to average assets | 0.1373% | 6,561 |
| Noninterest expense to average assets | 1.4263% | 7,100 |
| Loan and lease loss provision to assets | 0.0790% | 4,412 |
| Net operating income to assets | 1.1383% | 1,927 |
| Return on assets (ROA) | 1.1383% | 2,115 |
| Pretax return on assets | 1.9198% | 841 |
| Return on Equity (ROE) | 15.5096% | 882 |
| Retained earnings to average equity (ytd only) | 12.9685% | 687 |
| Net charge-offs to loans | 0.0471% | 4,047 |
| Credit loss provision to net charge-offs | 220.5882% | 1,256 |
| Earnings coverage of net charge-offs (x) | 55.7941% | 580 |
| Efficiency ratio | 41.6427% | 7,065 |
| Assets per employee ($millions) | 10.7523% | 193 |
| Cash dividends to net income (ytd only)* | 16.3838% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 6,610 |
| Loan loss allowance to noncurrent loans | 120.0912% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 4,747 |
| Noncurrent loans to loans | 0.7256% | 5,209 |
| Net loans and leases to total assets | 75.5385% | 858 |
| Net loans and leases to deposits | 107.1707% | 181 |
| Net loans and leases to core deposits | 119.8076% | 312 |
| Total domestic deposits to total assets | 70.4843% | 6,957 |
| Equity capital to assets | 7.3802% | 6,827 |
| Core capital (leverage) ratio | 7.4730% | 6,651 |
| Tier 1 risk-based capital ratio | 12.5543% | 5,564 |
| Total risk-based capital ratio | 13.6946% | 5,615 |
| Memoranda: | ||
| Average total assets | $1,138,894,500 | 579 |
| Average earning assets | $1,079,123,500 | 559 |
| Average equity | $83,587,000 | 826 |
| Average total loans | $867,007,500 | 475 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 3,820 |
| Cost of funding earning assets | 1.2498% | 1,741 |
| Net interest margin | 3.5486% | 4,944 |
| Noninterest income to average assets | 0.1492% | 6,401 |
| Noninterest expense to average assets | 1.4991% | 7,166 |
| Loan and lease loss provision to assets | 0.1032% | 5,298 |
| Net operating income to assets | 1.1314% | 1,718 |
| Return on assets (ROA) | 1.1314% | 1,839 |
| Pretax return on assets | 1.9074% | 651 |
| Return on Equity (ROE) | 15.5469% | 671 |
| Retained earnings to average equity (ytd only) | 12.1236% | 294 |
| Net charge-offs to loans | 0.0590% | 5,718 |
| Credit loss provision to net charge-offs | 224.9489% | 1,082 |
| Earnings coverage of net charge-offs (x) | 43.8344% | 625 |
| Efficiency ratio | 42.7132% | 7,155 |
| Assets per employee ($millions) | 10.0651% | 230 |
| Cash dividends to net income (ytd only)* | 22.0196% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 6,588 |
| Loan loss allowance to noncurrent loans | 111.2987% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9210% | 4,771 |
| Noncurrent loans to loans | 0.7877% | 5,107 |
| Net loans and leases to total assets | 75.3834% | 1,036 |
| Net loans and leases to deposits | 107.4999% | 217 |
| Net loans and leases to core deposits | 120.2640% | 346 |
| Total domestic deposits to total assets | 70.1242% | 6,984 |
| Equity capital to assets | 7.2976% | 6,879 |
| Core capital (leverage) ratio | 7.4699% | 6,667 |
| Tier 1 risk-based capital ratio | 12.4045% | 5,530 |
| Total risk-based capital ratio | 13.5505% | 5,589 |
| Memoranda: | ||
| Average total assets | $1,066,105,600 | 615 |
| Average earning assets | $1,009,577,800 | 582 |
| Average equity | $77,584,400 | 868 |
| Average total loans | $829,271,000 | 499 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 3,771 |
| Cost of funding earning assets | 1.3004% | 1,698 |
| Net interest margin | 3.5516% | 4,977 |
| Noninterest income to average assets | 0.1624% | 6,434 |
| Noninterest expense to average assets | 1.5014% | 7,224 |
| Loan and lease loss provision to assets | 0.1110% | 5,044 |
| Net operating income to assets | 1.1362% | 1,859 |
| Return on assets (ROA) | 1.1362% | 1,976 |
| Pretax return on assets | 1.9134% | 755 |
| Return on Equity (ROE) | 15.6250% | 730 |
| Retained earnings to average equity (ytd only) | 12.8821% | 392 |
| Net charge-offs to loans | 0.0593% | 5,375 |
| Credit loss provision to net charge-offs | 239.0710% | 1,194 |
| Earnings coverage of net charge-offs (x) | 43.5927% | 729 |
| Efficiency ratio | 42.5831% | 7,190 |
| Assets per employee ($millions) | 10.1468% | 239 |
| Cash dividends to net income (ytd only)* | 17.5545% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 6,665 |
| Loan loss allowance to noncurrent loans | 84.9353% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1172% | 4,542 |
| Noncurrent loans to loans | 1.0340% | 4,830 |
| Net loans and leases to total assets | 77.0730% | 830 |
| Net loans and leases to deposits | 109.5519% | 183 |
| Net loans and leases to core deposits | 121.9599% | 340 |
| Total domestic deposits to total assets | 70.3529% | 7,022 |
| Equity capital to assets | 7.3951% | 6,955 |
| Core capital (leverage) ratio | 7.5515% | 6,735 |
| Tier 1 risk-based capital ratio | 12.2539% | 5,698 |
| Total risk-based capital ratio | 13.4002% | 5,774 |
| Memoranda: | ||
| Average total assets | $1,050,809,500 | 632 |
| Average earning assets | $995,145,750 | 599 |
| Average equity | $76,414,250 | 884 |
| Average total loans | $822,262,250 | 512 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 3,707 |
| Cost of funding earning assets | 1.3282% | 1,773 |
| Net interest margin | 3.5520% | 4,915 |
| Noninterest income to average assets | 0.1684% | 6,456 |
| Noninterest expense to average assets | 1.5229% | 7,290 |
| Loan and lease loss provision to assets | 0.1155% | 4,841 |
| Net operating income to assets | 1.1253% | 1,802 |
| Return on assets (ROA) | 1.1253% | 1,880 |
| Pretax return on assets | 1.8936% | 719 |
| Return on Equity (ROE) | 15.5665% | 709 |
| Retained earnings to average equity (ytd only) | 12.7951% | 409 |
| Net charge-offs to loans | 0.0695% | 4,944 |
| Credit loss provision to net charge-offs | 212.0141% | 1,420 |
| Earnings coverage of net charge-offs (x) | 36.8869% | 788 |
| Efficiency ratio | 43.1179% | 7,268 |
| Assets per employee ($millions) | 10.0624% | 239 |
| Cash dividends to net income (ytd only)* | 17.8040% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8658% | 6,737 |
| Loan loss allowance to noncurrent loans | 85.7720% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.0966% | 4,695 |
| Noncurrent loans to loans | 1.0094% | 4,978 |
| Net loans and leases to total assets | 77.5251% | 842 |
| Net loans and leases to deposits | 109.0615% | 194 |
| Net loans and leases to core deposits | 120.3622% | 412 |
| Total domestic deposits to total assets | 71.0838% | 7,059 |
| Equity capital to assets | 7.2773% | 7,034 |
| Core capital (leverage) ratio | 7.3601% | 6,836 |
| Tier 1 risk-based capital ratio | 11.9913% | 5,798 |
| Total risk-based capital ratio | 13.1178% | 5,859 |
| Memoranda: | ||
| Average total assets | $1,039,177,670 | 648 |
| Average earning assets | $984,064,670 | 612 |
| Average equity | $75,122,670 | 903 |
| Average total loans | $814,950,000 | 522 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9151% | 3,510 |
| Cost of funding earning assets | 1.3468% | 1,904 |
| Net interest margin | 3.5683% | 4,731 |
| Noninterest income to average assets | 0.1724% | 6,495 |
| Noninterest expense to average assets | 1.5377% | 7,349 |
| Loan and lease loss provision to assets | 0.1170% | 4,544 |
| Net operating income to assets | 1.1234% | 1,757 |
| Return on assets (ROA) | 1.1234% | 1,803 |
| Pretax return on assets | 1.8942% | 686 |
| Return on Equity (ROE) | 15.5942% | 725 |
| Retained earnings to average equity (ytd only) | 12.8327% | 615 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3282% | 7,306 |
| Assets per employee ($millions) | 9.9333% | 248 |
| Cash dividends to net income (ytd only)* | 17.7083% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 6,726 |
| Loan loss allowance to noncurrent loans | 110.7950% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 5,047 |
| Noncurrent loans to loans | 0.8019% | 5,430 |
| Net loans and leases to total assets | 77.7982% | 756 |
| Net loans and leases to deposits | 108.4840% | 202 |
| Net loans and leases to core deposits | 119.4377% | 432 |
| Total domestic deposits to total assets | 71.7140% | 7,096 |
| Equity capital to assets | 7.2610% | 6,992 |
| Core capital (leverage) ratio | 7.3365% | 6,834 |
| Tier 1 risk-based capital ratio | 11.8923% | 5,787 |
| Total risk-based capital ratio | 13.0385% | 5,875 |
| Memoranda: | ||
| Average total assets | $1,025,457,500 | 662 |
| Average earning assets | $970,320,000 | 629 |
| Average equity | $73,873,500 | 909 |
| Average total loans | $805,365,500 | 535 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0889% | 4,139 |
| Cost of funding earning assets | 1.6408% | 1,864 |
| Net interest margin | 3.4481% | 5,441 |
| Noninterest income to average assets | 0.1863% | 6,421 |
| Noninterest expense to average assets | 1.5562% | 7,423 |
| Loan and lease loss provision to assets | 0.1334% | 5,843 |
| Net operating income to assets | 1.0494% | 1,876 |
| Return on assets (ROA) | 1.0494% | 1,973 |
| Pretax return on assets | 1.7521% | 846 |
| Return on Equity (ROE) | 14.8107% | 744 |
| Retained earnings to average equity (ytd only) | 11.1500% | 362 |
| Net charge-offs to loans | 0.0174% | 6,644 |
| Credit loss provision to net charge-offs | 984.8485% | 227 |
| Earnings coverage of net charge-offs (x) | 139.2121% | 180 |
| Efficiency ratio | 45.2166% | 7,382 |
| Assets per employee ($millions) | 9.6024% | 278 |
| Cash dividends to net income (ytd only)* | 24.7165% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 6,815 |
| Loan loss allowance to noncurrent loans | 120.2543% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 5,189 |
| Noncurrent loans to loans | 0.7179% | 5,608 |
| Net loans and leases to total assets | 77.9010% | 963 |
| Net loans and leases to deposits | 108.2103% | 266 |
| Net loans and leases to core deposits | 119.0518% | 558 |
| Total domestic deposits to total assets | 71.9904% | 7,080 |
| Equity capital to assets | 7.1460% | 7,065 |
| Core capital (leverage) ratio | 7.1841% | 6,921 |
| Tier 1 risk-based capital ratio | 11.6077% | 5,812 |
| Total risk-based capital ratio | 12.7158% | 5,935 |
| Memoranda: | ||
| Average total assets | $974,606,800 | 680 |
| Average earning assets | $920,135,000 | 654 |
| Average equity | $69,058,400 | 970 |
| Average total loans | $758,051,400 | 568 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 4,261 |
| Cost of funding earning assets | 1.6908% | 1,922 |
| Net interest margin | 3.4207% | 5,601 |
| Noninterest income to average assets | 0.1827% | 6,574 |
| Noninterest expense to average assets | 1.5617% | 7,522 |
| Loan and lease loss provision to assets | 0.1383% | 5,646 |
| Net operating income to assets | 1.0417% | 2,096 |
| Return on assets (ROA) | 1.0417% | 2,202 |
| Pretax return on assets | 1.7100% | 1,096 |
| Return on Equity (ROE) | 14.7342% | 907 |
| Retained earnings to average equity (ytd only) | 11.8245% | 480 |
| Net charge-offs to loans | 0.0164% | 6,449 |
| Credit loss provision to net charge-offs | 1,086.9565% | 273 |
| Earnings coverage of net charge-offs (x) | 145.2325% | 218 |
| Efficiency ratio | 45.7972% | 7,388 |
| Assets per employee ($millions) | 10.0135% | 260 |
| Cash dividends to net income (ytd only)* | 19.7477% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 6,889 |
| Loan loss allowance to noncurrent loans | 155.6206% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.9210% | 5,264 |
| Noncurrent loans to loans | 0.5463% | 6,109 |
| Net loans and leases to total assets | 78.1804% | 1,014 |
| Net loans and leases to deposits | 109.4386% | 266 |
| Net loans and leases to core deposits | 119.6389% | 625 |
| Total domestic deposits to total assets | 71.4378% | 7,187 |
| Equity capital to assets | 7.1878% | 7,271 |
| Core capital (leverage) ratio | 7.2340% | 7,039 |
| Tier 1 risk-based capital ratio | 11.5748% | 5,857 |
| Total risk-based capital ratio | 12.6684% | 5,991 |
| Memoranda: | ||
| Average total assets | $963,796,000 | 688 |
| Average earning assets | $909,298,500 | 658 |
| Average equity | $68,139,000 | 982 |
| Average total loans | $747,609,250 | 585 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1040% | 4,429 |
| Cost of funding earning assets | 1.7354% | 1,942 |
| Net interest margin | 3.3687% | 5,762 |
| Noninterest income to average assets | 0.1705% | 6,686 |
| Noninterest expense to average assets | 1.5705% | 7,583 |
| Loan and lease loss provision to assets | 0.1467% | 5,430 |
| Net operating income to assets | 0.9922% | 2,233 |
| Return on assets (ROA) | 0.9922% | 2,307 |
| Pretax return on assets | 1.6285% | 1,215 |
| Return on Equity (ROE) | 14.1162% | 1,023 |
| Retained earnings to average equity (ytd only) | 11.2042% | 613 |
| Net charge-offs to loans | 0.0030% | 6,342 |
| Credit loss provision to net charge-offs | 6,363.6364% | 58 |
| Earnings coverage of net charge-offs (x) | 770.2727% | 35 |
| Efficiency ratio | 46.9409% | 7,395 |
| Assets per employee ($millions) | 9.2552% | 316 |
| Cash dividends to net income (ytd only)* | 20.6292% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8558% | 6,886 |
| Loan loss allowance to noncurrent loans | 81.2595% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.5745% | 4,097 |
| Noncurrent loans to loans | 1.0532% | 5,210 |
| Net loans and leases to total assets | 76.6033% | 1,371 |
| Net loans and leases to deposits | 108.6894% | 307 |
| Net loans and leases to core deposits | 117.9735% | 769 |
| Total domestic deposits to total assets | 70.4791% | 7,295 |
| Equity capital to assets | 7.0971% | 7,309 |
| Core capital (leverage) ratio | 7.1048% | 7,124 |
| Tier 1 risk-based capital ratio | 11.5232% | 5,750 |
| Total risk-based capital ratio | 12.6097% | 5,883 |
| Memoranda: | ||
| Average total assets | $954,614,670 | 698 |
| Average earning assets | $899,758,330 | 665 |
| Average equity | $67,100,000 | 992 |
| Average total loans | $736,252,670 | 594 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1381% | 4,355 |
| Cost of funding earning assets | 1.7912% | 1,913 |
| Net interest margin | 3.3470% | 5,799 |
| Noninterest income to average assets | 0.1679% | 6,764 |
| Noninterest expense to average assets | 1.5505% | 7,686 |
| Loan and lease loss provision to assets | 0.1691% | 4,837 |
| Net operating income to assets | 0.9788% | 2,266 |
| Return on assets (ROA) | 0.9788% | 2,325 |
| Pretax return on assets | 1.6046% | 1,254 |
| Return on Equity (ROE) | 13.9952% | 1,052 |
| Retained earnings to average equity (ytd only) | 11.0390% | 915 |
| Net charge-offs to loans | 0.0055% | 5,540 |
| Credit loss provision to net charge-offs | 4,000.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 419.5000% | 69 |
| Efficiency ratio | 46.6421% | 7,514 |
| Assets per employee ($millions) | 9.5688% | 301 |
| Cash dividends to net income (ytd only)* | 21.1231% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 7,041 |
| Loan loss allowance to noncurrent loans | 59.4220% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3447% | 4,503 |
| Noncurrent loans to loans | 1.4050% | 4,629 |
| Net loans and leases to total assets | 75.3024% | 1,682 |
| Net loans and leases to deposits | 107.3469% | 365 |
| Net loans and leases to core deposits | 116.7006% | 920 |
| Total domestic deposits to total assets | 70.1487% | 7,399 |
| Equity capital to assets | 6.9365% | 7,400 |
| Core capital (leverage) ratio | 7.0340% | 7,230 |
| Tier 1 risk-based capital ratio | 11.6284% | 5,551 |
| Total risk-based capital ratio | 12.6972% | 5,702 |
| Memoranda: | ||
| Average total assets | $946,023,000 | 719 |
| Average earning assets | $892,154,500 | 684 |
| Average equity | $66,165,500 | 1,009 |
| Average total loans | $728,951,500 | 618 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4833% | 4,235 |
| Cost of funding earning assets | 2.1541% | 2,217 |
| Net interest margin | 3.3292% | 5,624 |
| Noninterest income to average assets | 0.2117% | 6,594 |
| Noninterest expense to average assets | 1.6335% | 7,749 |
| Loan and lease loss provision to assets | 0.1955% | 5,778 |
| Net operating income to assets | 0.9252% | 2,094 |
| Return on assets (ROA) | 0.9252% | 2,158 |
| Pretax return on assets | 1.5107% | 1,163 |
| Return on Equity (ROE) | 12.8632% | 991 |
| Retained earnings to average equity (ytd only) | 9.1617% | 475 |
| Net charge-offs to loans | 0.0714% | 6,399 |
| Credit loss provision to net charge-offs | 344.8276% | 943 |
| Earnings coverage of net charge-offs (x) | 30.0933% | 758 |
| Efficiency ratio | 48.9118% | 7,589 |
| Assets per employee ($millions) | 9.3495% | 320 |
| Cash dividends to net income (ytd only)* | 28.7756% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 7,150 |
| Loan loss allowance to noncurrent loans | 61.0319% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 4,387 |
| Noncurrent loans to loans | 1.2983% | 4,760 |
| Net loans and leases to total assets | 77.6017% | 1,469 |
| Net loans and leases to deposits | 113.4164% | 276 |
| Net loans and leases to core deposits | 148.8468% | 539 |
| Total domestic deposits to total assets | 68.4220% | 7,517 |
| Equity capital to assets | 7.0541% | 7,345 |
| Core capital (leverage) ratio | 7.0967% | 7,154 |
| Tier 1 risk-based capital ratio | 11.3278% | 5,589 |
| Total risk-based capital ratio | 12.3312% | 5,800 |
| Memoranda: | ||
| Average total assets | $869,534,000 | 779 |
| Average earning assets | $816,986,600 | 744 |
| Average equity | $62,543,000 | 1,056 |
| Average total loans | $690,492,200 | 675 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5486% | 4,166 |
| Cost of funding earning assets | 2.2350% | 2,256 |
| Net interest margin | 3.3136% | 5,590 |
| Noninterest income to average assets | 0.2285% | 6,588 |
| Noninterest expense to average assets | 1.6634% | 7,789 |
| Loan and lease loss provision to assets | 0.2182% | 5,233 |
| Net operating income to assets | 0.9005% | 2,421 |
| Return on assets (ROA) | 0.9005% | 2,488 |
| Pretax return on assets | 1.4570% | 1,533 |
| Return on Equity (ROE) | 12.4545% | 1,252 |
| Retained earnings to average equity (ytd only) | 9.5230% | 724 |
| Net charge-offs to loans | 0.0913% | 5,776 |
| Credit loss provision to net charge-offs | 299.7859% | 1,383 |
| Earnings coverage of net charge-offs (x) | 23.0172% | 1,136 |
| Efficiency ratio | 49.8226% | 7,569 |
| Assets per employee ($millions) | 9.5197% | 307 |
| Cash dividends to net income (ytd only)* | 23.5376% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 7,200 |
| Loan loss allowance to noncurrent loans | 66.5489% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 4,402 |
| Noncurrent loans to loans | 1.1628% | 4,998 |
| Net loans and leases to total assets | 76.6490% | 1,859 |
| Net loans and leases to deposits | 111.0059% | 425 |
| Net loans and leases to core deposits | 146.7848% | 663 |
| Total domestic deposits to total assets | 69.0496% | 7,492 |
| Equity capital to assets | 7.0316% | 7,582 |
| Core capital (leverage) ratio | 7.1421% | 7,318 |
| Tier 1 risk-based capital ratio | 11.2011% | 5,752 |
| Total risk-based capital ratio | 12.1688% | 5,990 |
| Memoranda: | ||
| Average total assets | $855,517,750 | 806 |
| Average earning assets | $802,965,500 | 771 |
| Average equity | $61,855,500 | 1,088 |
| Average total loans | $682,110,750 | 703 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5779% | 4,175 |
| Cost of funding earning assets | 2.3242% | 2,262 |
| Net interest margin | 3.2538% | 5,722 |
| Noninterest income to average assets | 0.2593% | 6,422 |
| Noninterest expense to average assets | 1.6965% | 7,835 |
| Loan and lease loss provision to assets | 0.2392% | 4,676 |
| Net operating income to assets | 0.8600% | 2,609 |
| Return on assets (ROA) | 0.8600% | 2,713 |
| Pretax return on assets | 1.3872% | 1,762 |
| Return on Equity (ROE) | 11.7765% | 1,488 |
| Retained earnings to average equity (ytd only) | 8.8545% | 974 |
| Net charge-offs to loans | -0.0059% | 7,545 |
| Credit loss provision to net charge-offs | -5,000.0000% | 7,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0546% | 7,591 |
| Assets per employee ($millions) | 8.7069% | 387 |
| Cash dividends to net income (ytd only)* | 24.8122% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 7,172 |
| Loan loss allowance to noncurrent loans | 42.7186% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 1.5072% | 3,972 |
| Noncurrent loans to loans | 1.8617% | 3,713 |
| Net loans and leases to total assets | 80.3141% | 1,255 |
| Net loans and leases to deposits | 117.7124% | 283 |
| Net loans and leases to core deposits | 156.0784% | 517 |
| Total domestic deposits to total assets | 68.2291% | 7,605 |
| Equity capital to assets | 7.2462% | 7,450 |
| Core capital (leverage) ratio | 7.3122% | 7,228 |
| Tier 1 risk-based capital ratio | 11.3776% | 5,522 |
| Total risk-based capital ratio | 12.4002% | 5,641 |
| Memoranda: | ||
| Average total assets | $836,060,330 | 842 |
| Average earning assets | $787,211,000 | 811 |
| Average equity | $61,053,670 | 1,122 |
| Average total loans | $674,164,000 | 731 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5979% | 4,366 |
| Cost of funding earning assets | 2.4507% | 2,101 |
| Net interest margin | 3.1472% | 6,031 |
| Noninterest income to average assets | 0.1832% | 6,982 |
| Noninterest expense to average assets | 1.6523% | 7,865 |
| Loan and lease loss provision to assets | 0.2673% | 3,822 |
| Net operating income to assets | 0.7639% | 3,283 |
| Return on assets (ROA) | 0.7639% | 3,458 |
| Pretax return on assets | 1.2324% | 2,510 |
| Return on Equity (ROE) | 10.4192% | 2,158 |
| Retained earnings to average equity (ytd only) | 7.4631% | 2,038 |
| Net charge-offs to loans | -0.0242% | 7,488 |
| Credit loss provision to net charge-offs | -1,375.0000% | 6,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4206% | 7,369 |
| Assets per employee ($millions) | 8.9361% | 363 |
| Cash dividends to net income (ytd only)* | 28.3715% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 7,283 |
| Loan loss allowance to noncurrent loans | 43.9070% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 1.3882% | 3,863 |
| Noncurrent loans to loans | 1.7331% | 3,663 |
| Net loans and leases to total assets | 79.4923% | 1,479 |
| Net loans and leases to deposits | 118.3907% | 327 |
| Net loans and leases to core deposits | 160.9109% | 479 |
| Total domestic deposits to total assets | 67.1440% | 7,660 |
| Equity capital to assets | 7.2470% | 7,529 |
| Core capital (leverage) ratio | 7.3908% | 7,285 |
| Tier 1 risk-based capital ratio | 11.4049% | 5,501 |
| Total risk-based capital ratio | 12.3760% | 5,707 |
| Memoranda: | ||
| Average total assets | $823,098,500 | 856 |
| Average earning assets | $776,429,500 | 826 |
| Average equity | $60,350,000 | 1,139 |
| Average total loans | $662,323,500 | 749 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9079% | 6,003 |
| Cost of funding earning assets | 2.9983% | 1,868 |
| Net interest margin | 2.9095% | 7,137 |
| Noninterest income to average assets | 0.2134% | 6,912 |
| Noninterest expense to average assets | 1.5544% | 8,005 |
| Loan and lease loss provision to assets | 0.1032% | 6,059 |
| Net operating income to assets | 0.8059% | 3,414 |
| Return on assets (ROA) | 0.8059% | 3,253 |
| Pretax return on assets | 1.2905% | 2,344 |
| Return on Equity (ROE) | 11.0090% | 1,903 |
| Retained earnings to average equity (ytd only) | 7.1449% | 1,106 |
| Net charge-offs to loans | 0.0320% | 6,375 |
| Credit loss provision to net charge-offs | 402.5000% | 1,090 |
| Earnings coverage of net charge-offs (x) | 54.3500% | 722 |
| Efficiency ratio | 52.7247% | 7,411 |
| Assets per employee ($millions) | 8.5767% | 390 |
| Cash dividends to net income (ytd only)* | 35.0994% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6950% | 7,443 |
| Loan loss allowance to noncurrent loans | 64.1825% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 4,568 |
| Noncurrent loans to loans | 1.0828% | 4,400 |
| Net loans and leases to total assets | 80.2858% | 1,596 |
| Net loans and leases to deposits | 122.7513% | 330 |
| Net loans and leases to core deposits | 171.1083% | 383 |
| Total domestic deposits to total assets | 65.4053% | 7,693 |
| Equity capital to assets | 7.4207% | 7,452 |
| Core capital (leverage) ratio | 7.3898% | 7,317 |
| Tier 1 risk-based capital ratio | 11.2396% | 5,499 |
| Total risk-based capital ratio | 12.1019% | 5,766 |
| Memoranda: | ||
| Average total assets | $779,913,200 | 873 |
| Average earning assets | $733,074,600 | 832 |
| Average equity | $57,089,800 | 1,174 |
| Average total loans | $625,761,400 | 762 |