Home > Jefferson Bank and Trust Company > Performance and Condition Ratios
Jefferson Bank and Trust Company, Performance and Condition Ratios
| 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 | 1.9425% | 4,629 |
| Cost of funding earning assets | 0.0645% | 4,496 |
| Net interest margin | 1.8781% | 4,590 |
| Noninterest income to average assets | 0.4244% | 2,531 |
| Noninterest expense to average assets | 0.6847% | 4,765 |
| Loan and lease loss provision to assets | 1.0911% | 41 |
| Net operating income to assets | 0.2924% | 4,161 |
| Return on assets (ROA) | 0.2924% | 4,133 |
| Pretax return on assets | 0.3650% | 4,092 |
| Return on Equity (ROE) | 2.3309% | 4,209 |
| Retained earnings to average equity (ytd only) | 2.3309% | 3,453 |
| Net charge-offs to loans | -0.0373% | 4,166 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.6126% | 4,747 |
| Assets per employee ($millions) | 11.8741% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6690% | 4,436 |
| Loan loss allowance to noncurrent loans | 516.5480% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,320 |
| Noncurrent loans to loans | 0.1295% | 3,166 |
| Net loans and leases to total assets | 57.6206% | 2,338 |
| Net loans and leases to deposits | 76.9577% | 1,370 |
| Net loans and leases to core deposits | 81.8799% | 1,358 |
| Total domestic deposits to total assets | 74.8730% | 4,545 |
| Equity capital to assets | 14.0596% | 524 |
| Core capital (leverage) ratio | 10.7087% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1278% | 2,562 |
| Memoranda: | ||
| Average total assets | $733,195,500 | 1,279 |
| Average earning assets | $670,050,000 | 1,292 |
| Average equity | $91,980,000 | 1,064 |
| Average total loans | $428,964,500 | 1,298 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3440% | 3,068 |
| Cost of funding earning assets | 0.5087% | 894 |
| Net interest margin | 2.8353% | 3,594 |
| Noninterest income to average assets | 0.1326% | 4,484 |
| Noninterest expense to average assets | 1.4590% | 4,578 |
| Loan and lease loss provision to assets | 0.2880% | 291 |
| Net operating income to assets | 0.8540% | 3,175 |
| Return on assets (ROA) | 0.8605% | 3,221 |
| Pretax return on assets | 1.0925% | 3,000 |
| Return on Equity (ROE) | 7.7933% | 3,282 |
| Retained earnings to average equity (ytd only) | 4.5794% | 2,977 |
| Net charge-offs to loans | 1.2621% | 48 |
| Credit loss provision to net charge-offs | 33.6757% | 2,222 |
| Earnings coverage of net charge-offs (x) | 1.6045% | 2,610 |
| Efficiency ratio | 51.5310% | 4,154 |
| Assets per employee ($millions) | 11.0511% | 499 |
| Cash dividends to net income (ytd only)* | 41.2385% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,495 |
| Loan loss allowance to noncurrent loans | 1,807.7181% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,715 |
| Noncurrent loans to loans | 0.0703% | 3,586 |
| Net loans and leases to total assets | 58.2743% | 2,349 |
| Net loans and leases to deposits | 74.7024% | 1,677 |
| Net loans and leases to core deposits | 79.4549% | 1,644 |
| Total domestic deposits to total assets | 78.0086% | 4,390 |
| Equity capital to assets | 10.9679% | 1,809 |
| Core capital (leverage) ratio | 11.5888% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5655% | 1,663 |
| Memoranda: | ||
| Average total assets | $694,393,400 | 1,293 |
| Average earning assets | $660,922,600 | 1,277 |
| Average equity | $76,668,600 | 1,250 |
| Average total loans | $470,550,000 | 1,216 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4404% | 2,986 |
| Cost of funding earning assets | 0.5466% | 851 |
| Net interest margin | 2.8938% | 3,568 |
| Noninterest income to average assets | 0.1338% | 4,527 |
| Noninterest expense to average assets | 1.4842% | 4,608 |
| Loan and lease loss provision to assets | 0.8328% | 54 |
| Net operating income to assets | 0.4603% | 4,278 |
| Return on assets (ROA) | 0.4693% | 4,300 |
| Pretax return on assets | 0.5810% | 4,258 |
| Return on Equity (ROE) | 4.2430% | 4,262 |
| Retained earnings to average equity (ytd only) | -0.0718% | 4,571 |
| Net charge-offs to loans | 2.1941% | 20 |
| Credit loss provision to net charge-offs | 54.1903% | 1,838 |
| Earnings coverage of net charge-offs (x) | 0.9128% | 2,390 |
| Efficiency ratio | 51.4088% | 4,086 |
| Assets per employee ($millions) | 9.5465% | 750 |
| Cash dividends to net income (ytd only)* | 101.6921% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,630 |
| Loan loss allowance to noncurrent loans | 809.5306% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 3,403 |
| Noncurrent loans to loans | 0.1570% | 3,342 |
| Net loans and leases to total assets | 66.1686% | 1,524 |
| Net loans and leases to deposits | 86.4370% | 802 |
| Net loans and leases to core deposits | 93.3381% | 857 |
| Total domestic deposits to total assets | 76.5512% | 4,517 |
| Equity capital to assets | 11.3426% | 1,775 |
| Core capital (leverage) ratio | 10.9551% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7455% | 2,069 |
| Memoranda: | ||
| Average total assets | $688,411,000 | 1,316 |
| Average earning assets | $654,946,750 | 1,300 |
| Average equity | $76,139,500 | 1,275 |
| Average total loans | $482,191,250 | 1,219 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 3,202 |
| Cost of funding earning assets | 0.5865% | 798 |
| Net interest margin | 2.8063% | 3,778 |
| Noninterest income to average assets | 0.1303% | 4,553 |
| Noninterest expense to average assets | 1.4737% | 4,647 |
| Loan and lease loss provision to assets | 1.1940% | 30 |
| Net operating income to assets | 0.1258% | 4,687 |
| Return on assets (ROA) | 0.1416% | 4,694 |
| Pretax return on assets | 0.1516% | 4,699 |
| Return on Equity (ROE) | 1.2904% | 4,669 |
| Retained earnings to average equity (ytd only) | -3.2025% | 4,727 |
| Net charge-offs to loans | 3.2149% | 12 |
| Credit loss provision to net charge-offs | 52.2999% | 1,595 |
| Earnings coverage of net charge-offs (x) | 0.5820% | 2,187 |
| Efficiency ratio | 52.5873% | 3,978 |
| Assets per employee ($millions) | 9.5500% | 698 |
| Cash dividends to net income (ytd only)* | 348.1707% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,206 |
| Loan loss allowance to noncurrent loans | 648.0702% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 3,416 |
| Noncurrent loans to loans | 0.1770% | 3,328 |
| Net loans and leases to total assets | 68.4883% | 1,387 |
| Net loans and leases to deposits | 87.4385% | 814 |
| Net loans and leases to core deposits | 94.0553% | 899 |
| Total domestic deposits to total assets | 78.3274% | 4,408 |
| Equity capital to assets | 10.7505% | 2,187 |
| Core capital (leverage) ratio | 10.5902% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2450% | 2,270 |
| Memoranda: | ||
| Average total assets | $695,129,000 | 1,307 |
| Average earning assets | $661,870,333 | 1,287 |
| Average equity | $76,253,333 | 1,268 |
| Average total loans | $493,632,667 | 1,201 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4026% | 3,188 |
| Cost of funding earning assets | 0.6232% | 784 |
| Net interest margin | 2.7794% | 3,812 |
| Noninterest income to average assets | 0.1256% | 4,570 |
| Noninterest expense to average assets | 1.4724% | 4,678 |
| Loan and lease loss provision to assets | 0.2593% | 392 |
| Net operating income to assets | 0.8174% | 3,365 |
| Return on assets (ROA) | 0.8442% | 3,370 |
| Pretax return on assets | 1.0776% | 3,172 |
| Return on Equity (ROE) | 7.6196% | 3,437 |
| Retained earnings to average equity (ytd only) | 3.7136% | 3,586 |
| Net charge-offs to loans | 2.4299% | 27 |
| Credit loss provision to net charge-offs | 14.8466% | 1,437 |
| Earnings coverage of net charge-offs (x) | 0.7460% | 1,879 |
| Efficiency ratio | 53.0523% | 3,905 |
| Assets per employee ($millions) | 9.7435% | 643 |
| Cash dividends to net income (ytd only)* | 51.2628% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 2,111 |
| Loan loss allowance to noncurrent loans | 127.5719% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 1,212 |
| Noncurrent loans to loans | 1.0723% | 1,253 |
| Net loans and leases to total assets | 69.3314% | 1,375 |
| Net loans and leases to deposits | 89.7612% | 711 |
| Net loans and leases to core deposits | 96.8717% | 850 |
| Total domestic deposits to total assets | 77.2397% | 4,499 |
| Equity capital to assets | 11.0159% | 1,844 |
| Core capital (leverage) ratio | 11.0678% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4709% | 2,097 |
| Memoranda: | ||
| Average total assets | $694,120,000 | 1,295 |
| Average earning assets | $661,725,000 | 1,274 |
| Average equity | $76,906,500 | 1,252 |
| Average total loans | $498,946,500 | 1,190 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9027% | 3,018 |
| Cost of funding earning assets | 0.9175% | 813 |
| Net interest margin | 2.9852% | 3,919 |
| Noninterest income to average assets | 0.1336% | 4,618 |
| Noninterest expense to average assets | 1.5072% | 4,776 |
| Loan and lease loss provision to assets | 0.5283% | 438 |
| Net operating income to assets | 0.7354% | 3,316 |
| Return on assets (ROA) | 0.7608% | 3,363 |
| Pretax return on assets | 0.9694% | 3,145 |
| Return on Equity (ROE) | 6.5827% | 3,375 |
| Retained earnings to average equity (ytd only) | 0.9417% | 4,246 |
| Net charge-offs to loans | -0.0131% | 4,323 |
| Credit loss provision to net charge-offs | -5,468.7500% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7007% | 4,487 |
| Assets per employee ($millions) | 9.4069% | 644 |
| Cash dividends to net income (ytd only)* | 85.6944% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 789 |
| Loan loss allowance to noncurrent loans | 104.3532% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.3013% | 619 |
| Noncurrent loans to loans | 1.7703% | 711 |
| Net loans and leases to total assets | 72.1472% | 1,272 |
| Net loans and leases to deposits | 94.4568% | 633 |
| Net loans and leases to core deposits | 102.3691% | 796 |
| Total domestic deposits to total assets | 76.3812% | 4,480 |
| Equity capital to assets | 11.1449% | 2,137 |
| Core capital (leverage) ratio | 10.7419% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2743% | 2,134 |
| Memoranda: | ||
| Average total assets | $662,476,200 | 1,231 |
| Average earning assets | $630,077,600 | 1,214 |
| Average equity | $76,563,800 | 1,201 |
| Average total loans | $489,074,000 | 1,161 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 3,085 |
| Cost of funding earning assets | 0.9720% | 841 |
| Net interest margin | 2.9890% | 4,002 |
| Noninterest income to average assets | 0.1351% | 4,621 |
| Noninterest expense to average assets | 1.5213% | 4,788 |
| Loan and lease loss provision to assets | 0.0711% | 3,433 |
| Net operating income to assets | 1.0732% | 2,071 |
| Return on assets (ROA) | 1.1074% | 2,079 |
| Pretax return on assets | 1.4265% | 1,647 |
| Return on Equity (ROE) | 9.4933% | 2,205 |
| Retained earnings to average equity (ytd only) | 3.9457% | 3,077 |
| Net charge-offs to loans | 0.0052% | 2,953 |
| Credit loss provision to net charge-offs | 1,842.1053% | 515 |
| Earnings coverage of net charge-offs (x) | 376.8421% | 305 |
| Efficiency ratio | 51.1263% | 4,408 |
| Assets per employee ($millions) | 9.5543% | 588 |
| Cash dividends to net income (ytd only)* | 58.4373% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 2,938 |
| Loan loss allowance to noncurrent loans | 4,797.6378% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 4,385 |
| Noncurrent loans to loans | 0.0240% | 4,313 |
| Net loans and leases to total assets | 75.0855% | 1,228 |
| Net loans and leases to deposits | 98.4347% | 601 |
| Net loans and leases to core deposits | 108.5333% | 749 |
| Total domestic deposits to total assets | 76.2796% | 4,398 |
| Equity capital to assets | 11.2185% | 2,217 |
| Core capital (leverage) ratio | 10.9487% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9367% | 2,235 |
| Memoranda: | ||
| Average total assets | $656,418,750 | 1,225 |
| Average earning assets | $623,836,000 | 1,206 |
| Average equity | $76,571,500 | 1,193 |
| Average total loans | $485,151,500 | 1,162 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 3,074 |
| Cost of funding earning assets | 1.0255% | 912 |
| Net interest margin | 3.0653% | 3,979 |
| Noninterest income to average assets | 0.1341% | 4,634 |
| Noninterest expense to average assets | 1.5512% | 4,815 |
| Loan and lease loss provision to assets | 0.0622% | 3,518 |
| Net operating income to assets | 1.1124% | 1,926 |
| Return on assets (ROA) | 1.1308% | 1,991 |
| Pretax return on assets | 1.4535% | 1,579 |
| Return on Equity (ROE) | 9.5614% | 2,121 |
| Retained earnings to average equity (ytd only) | 3.9730% | 2,923 |
| Net charge-offs to loans | 0.0043% | 2,829 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 479.6000% | 214 |
| Efficiency ratio | 50.9662% | 4,443 |
| Assets per employee ($millions) | 8.7508% | 736 |
| Cash dividends to net income (ytd only)* | 58.4480% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,627 |
| Loan loss allowance to noncurrent loans | 2,554.5064% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 4,377 |
| Noncurrent loans to loans | 0.0461% | 4,298 |
| Net loans and leases to total assets | 73.2100% | 1,525 |
| Net loans and leases to deposits | 93.5192% | 1,003 |
| Net loans and leases to core deposits | 102.9808% | 1,063 |
| Total domestic deposits to total assets | 78.2834% | 4,148 |
| Equity capital to assets | 11.3801% | 2,055 |
| Core capital (leverage) ratio | 11.2418% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0798% | 2,147 |
| Memoranda: | ||
| Average total assets | $642,736,333 | 1,226 |
| Average earning assets | $610,052,667 | 1,206 |
| Average equity | $76,013,667 | 1,192 |
| Average total loans | $470,272,333 | 1,177 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9205% | 3,995 |
| Cost of funding earning assets | 1.1244% | 973 |
| Net interest margin | 2.7961% | 4,569 |
| Noninterest income to average assets | 0.1426% | 4,654 |
| Noninterest expense to average assets | 1.6094% | 4,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9253% | 2,438 |
| Return on assets (ROA) | 0.9634% | 2,407 |
| Pretax return on assets | 1.2324% | 2,093 |
| Return on Equity (ROE) | 7.9806% | 2,526 |
| Retained earnings to average equity (ytd only) | 2.3303% | 3,326 |
| Net charge-offs to loans | 0.0009% | 2,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1,844.0000% | 16 |
| Efficiency ratio | 57.6092% | 4,056 |
| Assets per employee ($millions) | 8.0526% | 723 |
| Cash dividends to net income (ytd only)* | 70.8000% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,293 |
| Loan loss allowance to noncurrent loans | 2,969.5876% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 4,447 |
| Noncurrent loans to loans | 0.0427% | 4,383 |
| Net loans and leases to total assets | 71.4127% | 2,017 |
| Net loans and leases to deposits | 90.2369% | 1,479 |
| Net loans and leases to core deposits | 102.4929% | 1,287 |
| Total domestic deposits to total assets | 79.1391% | 4,022 |
| Equity capital to assets | 12.0913% | 2,002 |
| Core capital (leverage) ratio | 12.1522% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0840% | 2,249 |
| Memoranda: | ||
| Average total assets | $622,824,500 | 1,226 |
| Average earning assets | $590,539,500 | 1,204 |
| Average equity | $75,182,500 | 1,199 |
| Average total loans | $452,581,500 | 1,182 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 3,949 |
| Cost of funding earning assets | 1.1470% | 1,167 |
| Net interest margin | 2.9947% | 4,517 |
| Noninterest income to average assets | 0.1296% | 4,819 |
| Noninterest expense to average assets | 1.5567% | 4,976 |
| Loan and lease loss provision to assets | 0.0225% | 3,573 |
| Net operating income to assets | 1.0869% | 2,495 |
| Return on assets (ROA) | 1.0902% | 2,580 |
| Pretax return on assets | 1.3801% | 2,232 |
| Return on Equity (ROE) | 9.2980% | 2,611 |
| Retained earnings to average equity (ytd only) | 2.7602% | 3,657 |
| Net charge-offs to loans | 0.0016% | 3,659 |
| Credit loss provision to net charge-offs | 2,000.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 1,240.7143% | 79 |
| Efficiency ratio | 52.6780% | 4,551 |
| Assets per employee ($millions) | 7.6240% | 822 |
| Cash dividends to net income (ytd only)* | 70.3146% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 2,033 |
| Loan loss allowance to noncurrent loans | 1,980.0687% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,398 |
| Noncurrent loans to loans | 0.0645% | 4,281 |
| Net loans and leases to total assets | 72.0747% | 2,079 |
| Net loans and leases to deposits | 90.1345% | 1,576 |
| Net loans and leases to core deposits | 101.7439% | 1,428 |
| Total domestic deposits to total assets | 79.9636% | 3,987 |
| Equity capital to assets | 12.0508% | 2,110 |
| Core capital (leverage) ratio | 11.9872% | 1,790 |
| Tier 1 risk-based capital ratio | 13.3840% | 3,590 |
| Total risk-based capital ratio | 14.4247% | 3,584 |
| Memoranda: | ||
| Average total assets | $621,062,200 | 1,194 |
| Average earning assets | $585,963,200 | 1,184 |
| Average equity | $72,822,000 | 1,186 |
| Average total loans | $447,977,000 | 1,165 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1273% | 4,094 |
| Cost of funding earning assets | 1.1441% | 1,194 |
| Net interest margin | 2.9832% | 4,643 |
| Noninterest income to average assets | 0.1261% | 4,900 |
| Noninterest expense to average assets | 1.5521% | 5,042 |
| Loan and lease loss provision to assets | 0.0193% | 3,522 |
| Net operating income to assets | 1.0451% | 2,801 |
| Return on assets (ROA) | 1.0451% | 2,890 |
| Pretax return on assets | 1.3669% | 2,431 |
| Return on Equity (ROE) | 8.9749% | 2,901 |
| Retained earnings to average equity (ytd only) | 1.7729% | 4,345 |
| Net charge-offs to loans | 0.0030% | 3,311 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 646.7457% | 150 |
| Efficiency ratio | 52.8236% | 4,527 |
| Assets per employee ($millions) | 8.1494% | 655 |
| Cash dividends to net income (ytd only)* | 80.2461% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,201 |
| Loan loss allowance to noncurrent loans | 1,586.1111% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 4,418 |
| Noncurrent loans to loans | 0.0792% | 4,286 |
| Net loans and leases to total assets | 72.4487% | 2,095 |
| Net loans and leases to deposits | 93.0088% | 1,321 |
| Net loans and leases to core deposits | 103.8382% | 1,337 |
| Total domestic deposits to total assets | 77.8945% | 4,364 |
| Equity capital to assets | 11.8450% | 2,380 |
| Core capital (leverage) ratio | 11.8628% | 1,951 |
| Tier 1 risk-based capital ratio | 12.8761% | 3,918 |
| Total risk-based capital ratio | 13.8825% | 3,937 |
| Memoranda: | ||
| Average total assets | $621,941,500 | 1,192 |
| Average earning assets | $586,295,000 | 1,176 |
| Average equity | $72,422,750 | 1,185 |
| Average total loans | $447,257,250 | 1,171 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 4,110 |
| Cost of funding earning assets | 1.1324% | 1,188 |
| Net interest margin | 2.9886% | 4,714 |
| Noninterest income to average assets | 0.1172% | 4,975 |
| Noninterest expense to average assets | 1.5427% | 5,095 |
| Loan and lease loss provision to assets | 0.0048% | 3,627 |
| Net operating income to assets | 1.0600% | 2,680 |
| Return on assets (ROA) | 1.0600% | 2,744 |
| Pretax return on assets | 1.3870% | 2,242 |
| Return on Equity (ROE) | 9.1555% | 2,790 |
| Retained earnings to average equity (ytd only) | 5.0812% | 2,728 |
| Net charge-offs to loans | 0.0054% | 2,960 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 361.1667% | 215 |
| Efficiency ratio | 52.5717% | 4,608 |
| Assets per employee ($millions) | 8.4458% | 571 |
| Cash dividends to net income (ytd only)* | 44.5017% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,330 |
| Loan loss allowance to noncurrent loans | 62,577.7778% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 4,411 |
| Noncurrent loans to loans | 0.0020% | 4,731 |
| Net loans and leases to total assets | 71.1123% | 2,358 |
| Net loans and leases to deposits | 93.6983% | 1,289 |
| Net loans and leases to core deposits | 106.1369% | 1,238 |
| Total domestic deposits to total assets | 75.8950% | 4,684 |
| Equity capital to assets | 11.6753% | 2,467 |
| Core capital (leverage) ratio | 11.7596% | 1,980 |
| Tier 1 risk-based capital ratio | 12.9042% | 3,888 |
| Total risk-based capital ratio | 13.8873% | 3,944 |
| Memoranda: | ||
| Average total assets | $622,802,670 | 1,190 |
| Average earning assets | $587,091,000 | 1,170 |
| Average equity | $72,109,330 | 1,181 |
| Average total loans | $444,867,330 | 1,175 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 4,270 |
| Cost of funding earning assets | 1.0734% | 1,277 |
| Net interest margin | 2.9737% | 4,789 |
| Noninterest income to average assets | 0.1432% | 4,877 |
| Noninterest expense to average assets | 1.5378% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0669% | 2,592 |
| Return on assets (ROA) | 1.0669% | 2,643 |
| Pretax return on assets | 1.4102% | 2,049 |
| Return on Equity (ROE) | 9.2546% | 2,691 |
| Retained earnings to average equity (ytd only) | 5.2763% | 2,784 |
| Net charge-offs to loans | -0.0109% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1644% | 4,684 |
| Assets per employee ($millions) | 7.9883% | 673 |
| Cash dividends to net income (ytd only)* | 42.9872% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 2,172 |
| Loan loss allowance to noncurrent loans | 9,898.2456% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,361 |
| Noncurrent loans to loans | 0.0130% | 4,726 |
| Net loans and leases to total assets | 70.6004% | 2,390 |
| Net loans and leases to deposits | 94.9329% | 1,067 |
| Net loans and leases to core deposits | 105.9163% | 1,181 |
| Total domestic deposits to total assets | 74.3687% | 4,905 |
| Equity capital to assets | 11.7422% | 2,194 |
| Core capital (leverage) ratio | 11.8254% | 1,888 |
| Tier 1 risk-based capital ratio | 12.9186% | 3,918 |
| Total risk-based capital ratio | 13.9166% | 3,948 |
| Memoranda: | ||
| Average total assets | $617,488,000 | 1,200 |
| Average earning assets | $582,432,500 | 1,180 |
| Average equity | $71,186,500 | 1,192 |
| Average total loans | $439,261,000 | 1,189 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7725% | 4,552 |
| Cost of funding earning assets | 0.8513% | 1,298 |
| Net interest margin | 2.9212% | 4,886 |
| Noninterest income to average assets | 0.1122% | 5,112 |
| Noninterest expense to average assets | 1.6024% | 5,167 |
| Loan and lease loss provision to assets | -0.0165% | 5,125 |
| Net operating income to assets | 0.9746% | 3,122 |
| Return on assets (ROA) | 0.9746% | 3,120 |
| Pretax return on assets | 1.2801% | 2,578 |
| Return on Equity (ROE) | 8.7855% | 3,100 |
| Retained earnings to average equity (ytd only) | 5.6231% | 2,399 |
| Net charge-offs to loans | -0.0790% | 5,095 |
| Credit loss provision to net charge-offs | 29.8246% | 3,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9108% | 4,420 |
| Assets per employee ($millions) | 7.7485% | 725 |
| Cash dividends to net income (ytd only)* | 35.9960% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,127 |
| Loan loss allowance to noncurrent loans | 22,520.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 4,327 |
| Noncurrent loans to loans | 0.0057% | 4,797 |
| Net loans and leases to total assets | 69.8506% | 2,584 |
| Net loans and leases to deposits | 91.4058% | 1,612 |
| Net loans and leases to core deposits | 101.6461% | 1,604 |
| Total domestic deposits to total assets | 76.4182% | 4,700 |
| Equity capital to assets | 11.3162% | 2,403 |
| Core capital (leverage) ratio | 11.5836% | 2,038 |
| Tier 1 risk-based capital ratio | 12.6118% | 4,067 |
| Total risk-based capital ratio | 13.5967% | 4,094 |
| Memoranda: | ||
| Average total assets | $616,571,000 | 1,173 |
| Average earning assets | $581,236,800 | 1,155 |
| Average equity | $68,397,000 | 1,183 |
| Average total loans | $432,762,800 | 1,176 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 4,643 |
| Cost of funding earning assets | 0.8117% | 1,282 |
| Net interest margin | 2.8920% | 4,984 |
| Noninterest income to average assets | 0.1382% | 5,080 |
| Noninterest expense to average assets | 1.6052% | 5,202 |
| Loan and lease loss provision to assets | 0.0346% | 3,318 |
| Net operating income to assets | 0.9335% | 3,381 |
| Return on assets (ROA) | 0.9335% | 3,386 |
| Pretax return on assets | 1.2239% | 2,899 |
| Return on Equity (ROE) | 8.4578% | 3,349 |
| Retained earnings to average equity (ytd only) | 5.5483% | 2,926 |
| Net charge-offs to loans | -0.1076% | 5,186 |
| Credit loss provision to net charge-offs | -45.9770% | 4,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0529% | 4,386 |
| Assets per employee ($millions) | 7.6234% | 734 |
| Cash dividends to net income (ytd only)* | 34.4003% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 1,944 |
| Loan loss allowance to noncurrent loans | 6,274.4681% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 4,347 |
| Noncurrent loans to loans | 0.0213% | 4,811 |
| Net loans and leases to total assets | 69.7896% | 2,681 |
| Net loans and leases to deposits | 91.0589% | 1,749 |
| Net loans and leases to core deposits | 101.9508% | 1,619 |
| Total domestic deposits to total assets | 76.6423% | 4,698 |
| Equity capital to assets | 11.0240% | 2,640 |
| Core capital (leverage) ratio | 11.4468% | 2,216 |
| Tier 1 risk-based capital ratio | 12.2782% | 4,334 |
| Total risk-based capital ratio | 13.2970% | 4,362 |
| Memoranda: | ||
| Average total assets | $615,743,750 | 1,177 |
| Average earning assets | $580,298,250 | 1,161 |
| Average equity | $67,959,500 | 1,186 |
| Average total loans | $431,298,500 | 1,179 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 4,702 |
| Cost of funding earning assets | 0.7724% | 1,271 |
| Net interest margin | 2.8674% | 5,059 |
| Noninterest income to average assets | 0.1247% | 5,179 |
| Noninterest expense to average assets | 1.6046% | 5,260 |
| Loan and lease loss provision to assets | 0.0522% | 2,871 |
| Net operating income to assets | 0.8909% | 3,492 |
| Return on assets (ROA) | 0.8909% | 3,503 |
| Pretax return on assets | 1.1668% | 3,066 |
| Return on Equity (ROE) | 8.0690% | 3,469 |
| Retained earnings to average equity (ytd only) | 5.6918% | 2,727 |
| Net charge-offs to loans | -0.0215% | 4,597 |
| Credit loss provision to net charge-offs | -347.8261% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8274% | 4,382 |
| Assets per employee ($millions) | 7.3943% | 796 |
| Cash dividends to net income (ytd only)* | 29.4613% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,212 |
| Loan loss allowance to noncurrent loans | 1,313.6150% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 4,081 |
| Noncurrent loans to loans | 0.0983% | 4,471 |
| Net loans and leases to total assets | 69.7323% | 2,620 |
| Net loans and leases to deposits | 91.7936% | 1,608 |
| Net loans and leases to core deposits | 102.7576% | 1,507 |
| Total domestic deposits to total assets | 75.9664% | 4,855 |
| Equity capital to assets | 11.0881% | 2,550 |
| Core capital (leverage) ratio | 11.3616% | 2,196 |
| Tier 1 risk-based capital ratio | 12.3488% | 4,277 |
| Total risk-based capital ratio | 13.3335% | 4,321 |
| Memoranda: | ||
| Average total assets | $612,619,670 | 1,187 |
| Average earning assets | $576,614,000 | 1,168 |
| Average equity | $67,641,670 | 1,191 |
| Average total loans | $427,676,670 | 1,191 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5574% | 4,782 |
| Cost of funding earning assets | 0.7197% | 1,342 |
| Net interest margin | 2.8377% | 5,117 |
| Noninterest income to average assets | 0.1595% | 5,064 |
| Noninterest expense to average assets | 1.5985% | 5,328 |
| Loan and lease loss provision to assets | 0.0555% | 2,656 |
| Net operating income to assets | 0.8960% | 3,310 |
| Return on assets (ROA) | 0.8960% | 3,318 |
| Pretax return on assets | 1.1724% | 2,879 |
| Return on Equity (ROE) | 8.1320% | 3,323 |
| Retained earnings to average equity (ytd only) | 6.8923% | 2,327 |
| Net charge-offs to loans | -0.0396% | 4,870 |
| Credit loss provision to net charge-offs | -202.3810% | 3,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5549% | 4,511 |
| Assets per employee ($millions) | 7.4793% | 775 |
| Cash dividends to net income (ytd only)* | 15.2443% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 2,301 |
| Loan loss allowance to noncurrent loans | 1,121.3415% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 4,005 |
| Noncurrent loans to loans | 0.1149% | 4,451 |
| Net loans and leases to total assets | 68.9274% | 2,642 |
| Net loans and leases to deposits | 95.0603% | 1,125 |
| Net loans and leases to core deposits | 103.1006% | 1,445 |
| Total domestic deposits to total assets | 72.5092% | 5,251 |
| Equity capital to assets | 10.9917% | 2,588 |
| Core capital (leverage) ratio | 11.3626% | 2,112 |
| Tier 1 risk-based capital ratio | 12.2871% | 4,388 |
| Total risk-based capital ratio | 13.2638% | 4,433 |
| Memoranda: | ||
| Average total assets | $612,068,000 | 1,196 |
| Average earning assets | $575,255,500 | 1,181 |
| Average equity | $67,437,500 | 1,206 |
| Average total loans | $424,735,500 | 1,205 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4280% | 4,904 |
| Cost of funding earning assets | 0.5787% | 1,752 |
| Net interest margin | 2.8494% | 5,108 |
| Noninterest income to average assets | 0.1634% | 5,142 |
| Noninterest expense to average assets | 1.5949% | 5,418 |
| Loan and lease loss provision to assets | -0.0503% | 5,398 |
| Net operating income to assets | 0.7891% | 3,208 |
| Return on assets (ROA) | 0.7891% | 3,251 |
| Pretax return on assets | 1.3020% | 2,340 |
| Return on Equity (ROE) | 6.8037% | 3,375 |
| Retained earnings to average equity (ytd only) | -0.7630% | 5,155 |
| Net charge-offs to loans | -0.0503% | 5,188 |
| Credit loss provision to net charge-offs | 144.2308% | 1,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0266% | 4,769 |
| Assets per employee ($millions) | 7.3595% | 824 |
| Cash dividends to net income (ytd only)* | 111.2150% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 2,322 |
| Loan loss allowance to noncurrent loans | 11,000.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 4,410 |
| Noncurrent loans to loans | 0.0116% | 4,983 |
| Net loans and leases to total assets | 68.0759% | 2,807 |
| Net loans and leases to deposits | 93.5682% | 1,322 |
| Net loans and leases to core deposits | 100.9225% | 1,639 |
| Total domestic deposits to total assets | 72.7554% | 5,279 |
| Equity capital to assets | 11.0444% | 2,588 |
| Core capital (leverage) ratio | 11.3146% | 2,087 |
| Tier 1 risk-based capital ratio | 12.2870% | 4,341 |
| Total risk-based capital ratio | 13.2576% | 4,406 |
| Memoranda: | ||
| Average total assets | $596,606,400 | 1,201 |
| Average earning assets | $561,807,200 | 1,180 |
| Average equity | $69,198,000 | 1,150 |
| Average total loans | $413,821,200 | 1,201 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4070% | 4,960 |
| Cost of funding earning assets | 0.5576% | 1,832 |
| Net interest margin | 2.8494% | 5,158 |
| Noninterest income to average assets | 0.1691% | 5,174 |
| Noninterest expense to average assets | 1.5888% | 5,460 |
| Loan and lease loss provision to assets | 0.0450% | 3,199 |
| Net operating income to assets | 0.8127% | 3,471 |
| Return on assets (ROA) | 0.8127% | 3,515 |
| Pretax return on assets | 1.2212% | 2,818 |
| Return on Equity (ROE) | 6.9220% | 3,703 |
| Retained earnings to average equity (ytd only) | 4.1896% | 3,405 |
| Net charge-offs to loans | -0.0178% | 4,813 |
| Credit loss provision to net charge-offs | -363.6364% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6501% | 4,779 |
| Assets per employee ($millions) | 7.2654% | 842 |
| Cash dividends to net income (ytd only)* | 39.4744% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 2,051 |
| Loan loss allowance to noncurrent loans | 6,996.3415% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 4,437 |
| Noncurrent loans to loans | 0.0195% | 5,048 |
| Net loans and leases to total assets | 68.7086% | 2,737 |
| Net loans and leases to deposits | 95.8813% | 1,122 |
| Net loans and leases to core deposits | 101.6337% | 1,571 |
| Total domestic deposits to total assets | 71.6601% | 5,398 |
| Equity capital to assets | 11.7744% | 2,129 |
| Core capital (leverage) ratio | 11.6822% | 1,900 |
| Tier 1 risk-based capital ratio | 12.6849% | 4,219 |
| Total risk-based capital ratio | 13.7244% | 4,248 |
| Memoranda: | ||
| Average total assets | $593,049,000 | 1,213 |
| Average earning assets | $559,025,500 | 1,197 |
| Average equity | $69,631,750 | 1,152 |
| Average total loans | $411,971,000 | 1,216 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3667% | 5,006 |
| Cost of funding earning assets | 0.5237% | 1,973 |
| Net interest margin | 2.8430% | 5,181 |
| Noninterest income to average assets | 0.1709% | 5,195 |
| Noninterest expense to average assets | 1.5733% | 5,514 |
| Loan and lease loss provision to assets | 0.0509% | 2,968 |
| Net operating income to assets | 0.8146% | 3,336 |
| Return on assets (ROA) | 0.8146% | 3,387 |
| Pretax return on assets | 1.2274% | 2,668 |
| Return on Equity (ROE) | 6.9447% | 3,580 |
| Retained earnings to average equity (ytd only) | 4.4351% | 3,075 |
| Net charge-offs to loans | -0.0259% | 4,888 |
| Credit loss provision to net charge-offs | -283.0189% | 4,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1736% | 4,907 |
| Assets per employee ($millions) | 7.0145% | 928 |
| Cash dividends to net income (ytd only)* | 36.1366% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 2,191 |
| Loan loss allowance to noncurrent loans | 3,123.6264% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 4,435 |
| Noncurrent loans to loans | 0.0431% | 4,977 |
| Net loans and leases to total assets | 69.0663% | 2,658 |
| Net loans and leases to deposits | 94.5454% | 1,220 |
| Net loans and leases to core deposits | 99.7109% | 1,667 |
| Total domestic deposits to total assets | 73.0509% | 5,383 |
| Equity capital to assets | 11.6696% | 2,176 |
| Core capital (leverage) ratio | 11.8030% | 1,762 |
| Tier 1 risk-based capital ratio | 12.5950% | 4,244 |
| Total risk-based capital ratio | 13.6275% | 4,257 |
| Memoranda: | ||
| Average total assets | $589,722,330 | 1,224 |
| Average earning assets | $556,041,330 | 1,200 |
| Average equity | $69,174,670 | 1,156 |
| Average total loans | $409,271,330 | 1,226 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 5,036 |
| Cost of funding earning assets | 0.4975% | 2,107 |
| Net interest margin | 2.8492% | 5,167 |
| Noninterest income to average assets | 0.1660% | 5,279 |
| Noninterest expense to average assets | 1.5795% | 5,575 |
| Loan and lease loss provision to assets | 0.0515% | 2,781 |
| Net operating income to assets | 0.8103% | 3,172 |
| Return on assets (ROA) | 0.8103% | 3,231 |
| Pretax return on assets | 1.2227% | 2,501 |
| Return on Equity (ROE) | 6.8899% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.0931% | 2,834 |
| Net charge-offs to loans | -0.0159% | 4,619 |
| Credit loss provision to net charge-offs | -468.7500% | 4,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3498% | 5,006 |
| Assets per employee ($millions) | 7.1219% | 891 |
| Cash dividends to net income (ytd only)* | 26.0796% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 2,219 |
| Loan loss allowance to noncurrent loans | 3,259.0643% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 4,485 |
| Noncurrent loans to loans | 0.0420% | 5,028 |
| Net loans and leases to total assets | 67.9894% | 2,684 |
| Net loans and leases to deposits | 91.4891% | 1,380 |
| Net loans and leases to core deposits | 95.7502% | 1,834 |
| Total domestic deposits to total assets | 74.3142% | 5,392 |
| Equity capital to assets | 11.7135% | 2,026 |
| Core capital (leverage) ratio | 11.9357% | 1,673 |
| Tier 1 risk-based capital ratio | 12.8276% | 4,184 |
| Total risk-based capital ratio | 13.8683% | 4,220 |
| Memoranda: | ||
| Average total assets | $582,961,000 | 1,236 |
| Average earning assets | $549,902,500 | 1,210 |
| Average equity | $68,564,000 | 1,158 |
| Average total loans | $402,745,000 | 1,239 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3635% | 5,049 |
| Cost of funding earning assets | 0.4478% | 2,558 |
| Net interest margin | 2.9157% | 5,111 |
| Noninterest income to average assets | 0.1955% | 5,239 |
| Noninterest expense to average assets | 1.6479% | 5,605 |
| Loan and lease loss provision to assets | 0.0141% | 4,100 |
| Net operating income to assets | 0.8301% | 3,157 |
| Return on assets (ROA) | 0.8842% | 3,026 |
| Pretax return on assets | 1.3425% | 2,128 |
| Return on Equity (ROE) | 7.4530% | 3,239 |
| Retained earnings to average equity (ytd only) | 5.0415% | 2,315 |
| Net charge-offs to loans | -0.0284% | 5,225 |
| Credit loss provision to net charge-offs | -72.7273% | 4,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3872% | 5,027 |
| Assets per employee ($millions) | 7.1850% | 840 |
| Cash dividends to net income (ytd only)* | 32.3565% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 2,177 |
| Loan loss allowance to noncurrent loans | 1,007.7206% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 4,231 |
| Noncurrent loans to loans | 0.1367% | 4,683 |
| Net loans and leases to total assets | 68.2906% | 2,727 |
| Net loans and leases to deposits | 86.0647% | 2,156 |
| Net loans and leases to core deposits | 89.9007% | 2,509 |
| Total domestic deposits to total assets | 79.3480% | 4,706 |
| Equity capital to assets | 11.8105% | 1,929 |
| Core capital (leverage) ratio | 11.6429% | 1,830 |
| Tier 1 risk-based capital ratio | 12.7257% | 4,258 |
| Total risk-based capital ratio | 13.7718% | 4,255 |
| Memoranda: | ||
| Average total assets | $567,315,800 | 1,230 |
| Average earning assets | $530,613,800 | 1,207 |
| Average equity | $67,301,600 | 1,161 |
| Average total loans | $387,480,600 | 1,230 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3687% | 5,085 |
| Cost of funding earning assets | 0.4395% | 2,644 |
| Net interest margin | 2.9292% | 5,135 |
| Noninterest income to average assets | 0.1474% | 5,523 |
| Noninterest expense to average assets | 1.6230% | 5,671 |
| Loan and lease loss provision to assets | 0.0531% | 3,196 |
| Net operating income to assets | 0.7925% | 3,402 |
| Return on assets (ROA) | 0.8649% | 3,203 |
| Pretax return on assets | 1.3141% | 2,370 |
| Return on Equity (ROE) | 7.2824% | 3,412 |
| Retained earnings to average equity (ytd only) | 5.0231% | 2,810 |
| Net charge-offs to loans | -0.0177% | 4,966 |
| Credit loss provision to net charge-offs | -441.1765% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3441% | 5,025 |
| Assets per employee ($millions) | 6.7237% | 992 |
| Cash dividends to net income (ytd only)* | 31.0252% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 2,120 |
| Loan loss allowance to noncurrent loans | 999.6409% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 2,873 |
| Noncurrent loans to loans | 0.1419% | 4,774 |
| Net loans and leases to total assets | 68.5288% | 2,719 |
| Net loans and leases to deposits | 85.0160% | 2,365 |
| Net loans and leases to core deposits | 89.2174% | 2,649 |
| Total domestic deposits to total assets | 80.6070% | 4,354 |
| Equity capital to assets | 12.1955% | 1,984 |
| Core capital (leverage) ratio | 11.7489% | 1,839 |
| Tier 1 risk-based capital ratio | 12.9741% | 4,179 |
| Total risk-based capital ratio | 14.0713% | 4,181 |
| Memoranda: | ||
| Average total assets | $565,444,250 | 1,233 |
| Average earning assets | $527,591,750 | 1,211 |
| Average equity | $67,155,250 | 1,170 |
| Average total loans | $384,846,250 | 1,233 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3709% | 5,144 |
| Cost of funding earning assets | 0.4367% | 2,685 |
| Net interest margin | 2.9343% | 5,200 |
| Noninterest income to average assets | 0.1234% | 5,692 |
| Noninterest expense to average assets | 1.6091% | 5,757 |
| Loan and lease loss provision to assets | 0.0530% | 3,087 |
| Net operating income to assets | 0.7832% | 3,388 |
| Return on assets (ROA) | 0.8917% | 3,028 |
| Pretax return on assets | 1.3556% | 2,188 |
| Return on Equity (ROE) | 7.5758% | 3,219 |
| Retained earnings to average equity (ytd only) | 5.6142% | 2,354 |
| Net charge-offs to loans | -0.0534% | 5,400 |
| Credit loss provision to net charge-offs | -147.0588% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3941% | 5,104 |
| Assets per employee ($millions) | 6.5265% | 1,070 |
| Cash dividends to net income (ytd only)* | 25.8921% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 2,222 |
| Loan loss allowance to noncurrent loans | 627.8596% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.7470% | 2,734 |
| Noncurrent loans to loans | 0.2255% | 4,532 |
| Net loans and leases to total assets | 68.7908% | 2,663 |
| Net loans and leases to deposits | 84.9903% | 2,353 |
| Net loans and leases to core deposits | 86.8215% | 2,835 |
| Total domestic deposits to total assets | 80.9396% | 4,293 |
| Equity capital to assets | 12.1213% | 2,039 |
| Core capital (leverage) ratio | 11.5761% | 1,928 |
| Tier 1 risk-based capital ratio | 12.6333% | 4,430 |
| Total risk-based capital ratio | 13.7078% | 4,462 |
| Memoranda: | ||
| Average total assets | $565,662,330 | 1,241 |
| Average earning assets | $526,262,330 | 1,221 |
| Average equity | $66,580,670 | 1,180 |
| Average total loans | $382,257,670 | 1,240 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3196% | 5,283 |
| Cost of funding earning assets | 0.4298% | 2,773 |
| Net interest margin | 2.8898% | 5,339 |
| Noninterest income to average assets | 0.0549% | 5,953 |
| Noninterest expense to average assets | 1.6194% | 5,817 |
| Loan and lease loss provision to assets | 0.0528% | 2,882 |
| Net operating income to assets | 0.7203% | 3,617 |
| Return on assets (ROA) | 0.7424% | 3,631 |
| Pretax return on assets | 1.1109% | 3,050 |
| Return on Equity (ROE) | 6.4021% | 3,778 |
| Retained earnings to average equity (ytd only) | 5.1873% | 2,828 |
| Net charge-offs to loans | -0.0985% | 5,627 |
| Credit loss provision to net charge-offs | -80.6452% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8883% | 4,890 |
| Assets per employee ($millions) | 6.7699% | 977 |
| Cash dividends to net income (ytd only)* | 18.9753% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 2,344 |
| Loan loss allowance to noncurrent loans | 1,303.1026% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 3,015 |
| Noncurrent loans to loans | 0.1087% | 5,042 |
| Net loans and leases to total assets | 66.7933% | 2,844 |
| Net loans and leases to deposits | 82.4845% | 2,486 |
| Net loans and leases to core deposits | 83.8615% | 2,949 |
| Total domestic deposits to total assets | 80.9768% | 4,502 |
| Equity capital to assets | 11.7348% | 2,215 |
| Core capital (leverage) ratio | 11.3468% | 2,099 |
| Tier 1 risk-based capital ratio | 12.2877% | 4,728 |
| Total risk-based capital ratio | 13.3333% | 4,773 |
| Memoranda: | ||
| Average total assets | $567,852,000 | 1,238 |
| Average earning assets | $529,583,000 | 1,223 |
| Average equity | $65,853,500 | 1,189 |
| Average total loans | $377,559,000 | 1,252 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2933% | 5,356 |
| Cost of funding earning assets | 0.4373% | 2,761 |
| Net interest margin | 2.8560% | 5,409 |
| Noninterest income to average assets | 0.1597% | 5,626 |
| Noninterest expense to average assets | 1.8221% | 5,710 |
| Loan and lease loss provision to assets | -0.1501% | 5,921 |
| Net operating income to assets | 0.7377% | 3,634 |
| Return on assets (ROA) | 0.7554% | 3,640 |
| Pretax return on assets | 1.1391% | 2,890 |
| Return on Equity (ROE) | 6.2659% | 3,916 |
| Retained earnings to average equity (ytd only) | 3.1804% | 3,790 |
| Net charge-offs to loans | 0.0532% | 3,139 |
| Credit loss provision to net charge-offs | -421.0526% | 5,409 |
| Earnings coverage of net charge-offs (x) | 26.9789% | 1,560 |
| Efficiency ratio | 65.4442% | 3,997 |
| Assets per employee ($millions) | 6.5934% | 1,051 |
| Cash dividends to net income (ytd only)* | 49.2422% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 2,289 |
| Loan loss allowance to noncurrent loans | 1,125.9574% | 545 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 2,111 |
| Noncurrent loans to loans | 0.1271% | 4,986 |
| Net loans and leases to total assets | 64.2876% | 3,233 |
| Net loans and leases to deposits | 78.9465% | 2,948 |
| Net loans and leases to core deposits | 80.2965% | 3,307 |
| Total domestic deposits to total assets | 81.4319% | 4,358 |
| Equity capital to assets | 11.4587% | 2,392 |
| Core capital (leverage) ratio | 11.0163% | 2,389 |
| Tier 1 risk-based capital ratio | 12.0228% | 4,933 |
| Total risk-based capital ratio | 13.0409% | 4,996 |
| Memoranda: | ||
| Average total assets | $532,806,000 | 1,267 |
| Average earning assets | $489,604,000 | 1,275 |
| Average equity | $64,236,200 | 1,175 |
| Average total loans | $357,400,800 | 1,265 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3036% | 5,402 |
| Cost of funding earning assets | 0.4389% | 2,814 |
| Net interest margin | 2.8647% | 5,468 |
| Noninterest income to average assets | 0.1404% | 5,782 |
| Noninterest expense to average assets | 1.8350% | 5,733 |
| Loan and lease loss provision to assets | -0.1780% | 6,082 |
| Net operating income to assets | 0.7355% | 3,745 |
| Return on assets (ROA) | 0.7477% | 3,785 |
| Pretax return on assets | 1.1267% | 3,113 |
| Return on Equity (ROE) | 6.1199% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.0246% | 4,287 |
| Net charge-offs to loans | 0.2096% | 1,240 |
| Credit loss provision to net charge-offs | -125.6732% | 5,087 |
| Earnings coverage of net charge-offs (x) | 6.5655% | 3,033 |
| Efficiency ratio | 66.3631% | 3,824 |
| Assets per employee ($millions) | 6.6362% | 1,009 |
| Cash dividends to net income (ytd only)* | 50.5783% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 2,519 |
| Loan loss allowance to noncurrent loans | 902.1544% | 634 |
| Noncurrent assets plus other real estate owned to assets | 1.0778% | 2,207 |
| Noncurrent loans to loans | 0.1571% | 5,015 |
| Net loans and leases to total assets | 61.2518% | 3,700 |
| Net loans and leases to deposits | 74.5886% | 3,470 |
| Net loans and leases to core deposits | 75.8426% | 3,824 |
| Total domestic deposits to total assets | 82.1196% | 4,124 |
| Equity capital to assets | 11.3810% | 2,606 |
| Core capital (leverage) ratio | 10.9849% | 2,503 |
| Tier 1 risk-based capital ratio | 12.6416% | 4,655 |
| Total risk-based capital ratio | 13.6677% | 4,723 |
| Memoranda: | ||
| Average total assets | $524,248,500 | 1,297 |
| Average earning assets | $480,314,000 | 1,298 |
| Average equity | $64,051,500 | 1,187 |
| Average total loans | $354,294,500 | 1,283 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4237% | 5,174 |
| Cost of funding earning assets | 0.4386% | 2,854 |
| Net interest margin | 2.9852% | 5,257 |
| Noninterest income to average assets | 0.0951% | 6,048 |
| Noninterest expense to average assets | 1.9113% | 5,696 |
| Loan and lease loss provision to assets | -0.0983% | 6,082 |
| Net operating income to assets | 0.6697% | 4,037 |
| Return on assets (ROA) | 0.6710% | 4,138 |
| Pretax return on assets | 1.0052% | 3,571 |
| Return on Equity (ROE) | 5.3552% | 4,450 |
| Retained earnings to average equity (ytd only) | 2.2462% | 4,591 |
| Net charge-offs to loans | -0.1299% | 5,876 |
| Credit loss provision to net charge-offs | 108.6957% | 1,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8671% | 3,689 |
| Assets per employee ($millions) | 6.4267% | 1,096 |
| Cash dividends to net income (ytd only)* | 58.0551% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 1,514 |
| Loan loss allowance to noncurrent loans | 153.6687% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 2.0297% | 1,076 |
| Noncurrent loans to loans | 1.1344% | 2,383 |
| Net loans and leases to total assets | 62.4081% | 3,491 |
| Net loans and leases to deposits | 74.9733% | 3,387 |
| Net loans and leases to core deposits | 76.2878% | 3,740 |
| Total domestic deposits to total assets | 83.2405% | 3,855 |
| Equity capital to assets | 11.3316% | 2,544 |
| Core capital (leverage) ratio | 11.2193% | 2,228 |
| Tier 1 risk-based capital ratio | 13.7803% | 4,045 |
| Total risk-based capital ratio | 15.0371% | 3,977 |
| Memoranda: | ||
| Average total assets | $508,760,330 | 1,335 |
| Average earning assets | $463,762,000 | 1,348 |
| Average equity | $63,751,000 | 1,199 |
| Average total loans | $354,193,670 | 1,288 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7336% | 4,252 |
| Cost of funding earning assets | 0.4523% | 2,747 |
| Net interest margin | 3.2813% | 4,288 |
| Noninterest income to average assets | -0.1840% | 6,378 |
| Noninterest expense to average assets | 1.9835% | 5,612 |
| Loan and lease loss provision to assets | -0.2498% | 6,287 |
| Net operating income to assets | 0.7008% | 3,794 |
| Return on assets (ROA) | 0.7036% | 3,908 |
| Pretax return on assets | 1.0467% | 3,313 |
| Return on Equity (ROE) | 5.3158% | 4,370 |
| Retained earnings to average equity (ytd only) | 2.1955% | 4,587 |
| Net charge-offs to loans | -0.5641% | 6,256 |
| Credit loss provision to net charge-offs | 60.4839% | 1,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4457% | 3,261 |
| Assets per employee ($millions) | 5.6331% | 1,682 |
| Cash dividends to net income (ytd only)* | 58.6982% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7915% | 1,513 |
| Loan loss allowance to noncurrent loans | 136.6955% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 2.6560% | 776 |
| Noncurrent loans to loans | 1.3105% | 2,190 |
| Net loans and leases to total assets | 73.3058% | 1,598 |
| Net loans and leases to deposits | 92.1166% | 1,169 |
| Net loans and leases to core deposits | 95.7040% | 1,635 |
| Total domestic deposits to total assets | 79.5794% | 5,150 |
| Equity capital to assets | 13.1978% | 1,303 |
| Core capital (leverage) ratio | 12.8380% | 1,220 |
| Tier 1 risk-based capital ratio | 13.9830% | 4,036 |
| Total risk-based capital ratio | 15.2359% | 3,948 |
| Memoranda: | ||
| Average total assets | $480,364,000 | 1,425 |
| Average earning assets | $433,361,000 | 1,448 |
| Average equity | $63,583,500 | 1,199 |
| Average total loans | $351,684,000 | 1,289 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5563% | 5,196 |
| Cost of funding earning assets | 0.4839% | 2,839 |
| Net interest margin | 3.0724% | 5,272 |
| Noninterest income to average assets | 0.2565% | 5,296 |
| Noninterest expense to average assets | 2.0958% | 5,581 |
| Loan and lease loss provision to assets | -0.1637% | 6,247 |
| Net operating income to assets | 0.7279% | 3,749 |
| Return on assets (ROA) | 0.7470% | 3,740 |
| Pretax return on assets | 1.1229% | 2,996 |
| Return on Equity (ROE) | 5.6849% | 4,312 |
| Retained earnings to average equity (ytd only) | 3.3360% | 3,848 |
| Net charge-offs to loans | 0.2083% | 2,004 |
| Credit loss provision to net charge-offs | -111.8326% | 5,544 |
| Earnings coverage of net charge-offs (x) | 6.3564% | 3,218 |
| Efficiency ratio | 69.2496% | 3,667 |
| Assets per employee ($millions) | 5.6700% | 1,628 |
| Cash dividends to net income (ytd only)* | 41.3179% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 1,456 |
| Loan loss allowance to noncurrent loans | 159.7254% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 2.9655% | 690 |
| Noncurrent loans to loans | 1.1508% | 2,539 |
| Net loans and leases to total assets | 70.4375% | 2,167 |
| Net loans and leases to deposits | 88.5240% | 1,668 |
| Net loans and leases to core deposits | 92.0662% | 2,075 |
| Total domestic deposits to total assets | 79.5688% | 5,129 |
| Equity capital to assets | 13.2760% | 1,236 |
| Core capital (leverage) ratio | 11.9919% | 1,621 |
| Tier 1 risk-based capital ratio | 14.3880% | 3,841 |
| Total risk-based capital ratio | 15.6421% | 3,777 |
| Memoranda: | ||
| Average total assets | $473,336,800 | 1,412 |
| Average earning assets | $426,731,800 | 1,432 |
| Average equity | $62,199,400 | 1,171 |
| Average total loans | $332,720,600 | 1,315 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5565% | 5,250 |
| Cost of funding earning assets | 0.4836% | 2,920 |
| Net interest margin | 3.0729% | 5,328 |
| Noninterest income to average assets | 0.2440% | 5,457 |
| Noninterest expense to average assets | 2.0815% | 5,616 |
| Loan and lease loss provision to assets | -0.0212% | 6,111 |
| Net operating income to assets | 0.6454% | 4,234 |
| Return on assets (ROA) | 0.6573% | 4,281 |
| Pretax return on assets | 0.9818% | 3,668 |
| Return on Equity (ROE) | 5.0154% | 4,711 |
| Retained earnings to average equity (ytd only) | 2.8370% | 4,582 |
| Net charge-offs to loans | 0.2982% | 1,328 |
| Credit loss provision to net charge-offs | -10.1488% | 5,243 |
| Earnings coverage of net charge-offs (x) | 4.5223% | 3,437 |
| Efficiency ratio | 68.8246% | 3,703 |
| Assets per employee ($millions) | 5.5640% | 1,670 |
| Cash dividends to net income (ytd only)* | 43.4335% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0477% | 1,166 |
| Loan loss allowance to noncurrent loans | 166.7308% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 3.0293% | 774 |
| Noncurrent loans to loans | 1.2282% | 2,594 |
| Net loans and leases to total assets | 69.3377% | 2,305 |
| Net loans and leases to deposits | 87.4452% | 1,737 |
| Net loans and leases to core deposits | 90.8837% | 2,131 |
| Total domestic deposits to total assets | 79.2928% | 5,266 |
| Equity capital to assets | 13.0815% | 1,388 |
| Core capital (leverage) ratio | 11.9620% | 1,718 |
| Tier 1 risk-based capital ratio | 14.1604% | 4,100 |
| Total risk-based capital ratio | 15.4167% | 4,030 |
| Memoranda: | ||
| Average total assets | $472,600,500 | 1,426 |
| Average earning assets | $427,595,250 | 1,447 |
| Average equity | $61,941,500 | 1,188 |
| Average total loans | $330,460,000 | 1,328 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 5,216 |
| Cost of funding earning assets | 0.4861% | 2,967 |
| Net interest margin | 3.0903% | 5,283 |
| Noninterest income to average assets | 0.2240% | 5,603 |
| Noninterest expense to average assets | 2.0746% | 5,677 |
| Loan and lease loss provision to assets | -0.0319% | 6,266 |
| Net operating income to assets | 0.6475% | 4,112 |
| Return on assets (ROA) | 0.6655% | 4,118 |
| Pretax return on assets | 0.9961% | 3,489 |
| Return on Equity (ROE) | 5.0742% | 4,637 |
| Retained earnings to average equity (ytd only) | 3.2532% | 4,134 |
| Net charge-offs to loans | 0.4748% | 847 |
| Credit loss provision to net charge-offs | -9.6401% | 5,076 |
| Earnings coverage of net charge-offs (x) | 2.8355% | 3,454 |
| Efficiency ratio | 68.8770% | 3,851 |
| Assets per employee ($millions) | 5.3791% | 1,804 |
| Cash dividends to net income (ytd only)* | 35.8876% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0603% | 1,255 |
| Loan loss allowance to noncurrent loans | 170.5490% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 3.1472% | 800 |
| Noncurrent loans to loans | 1.2080% | 2,819 |
| Net loans and leases to total assets | 70.8743% | 1,934 |
| Net loans and leases to deposits | 88.0788% | 1,588 |
| Net loans and leases to core deposits | 91.4861% | 1,977 |
| Total domestic deposits to total assets | 80.4669% | 5,141 |
| Equity capital to assets | 13.4826% | 1,162 |
| Core capital (leverage) ratio | 11.9737% | 1,670 |
| Tier 1 risk-based capital ratio | 14.0394% | 4,238 |
| Total risk-based capital ratio | 15.2957% | 4,160 |
| Memoranda: | ||
| Average total assets | $470,634,000 | 1,423 |
| Average earning assets | $424,619,330 | 1,454 |
| Average equity | $61,723,670 | 1,179 |
| Average total loans | $327,707,670 | 1,332 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5580% | 5,278 |
| Cost of funding earning assets | 0.4889% | 3,023 |
| Net interest margin | 3.0691% | 5,341 |
| Noninterest income to average assets | 0.2157% | 5,631 |
| Noninterest expense to average assets | 2.0588% | 5,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6186% | 4,107 |
| Return on assets (ROA) | 0.6186% | 4,188 |
| Pretax return on assets | 0.9236% | 3,609 |
| Return on Equity (ROE) | 4.7818% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.2182% | 4,190 |
| Net charge-offs to loans | 0.9859% | 341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.3717% | 3,113 |
| Efficiency ratio | 69.0308% | 3,998 |
| Assets per employee ($millions) | 5.3358% | 1,877 |
| Cash dividends to net income (ytd only)* | 32.6975% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1433% | 1,245 |
| Loan loss allowance to noncurrent loans | 183.8889% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 3.1031% | 898 |
| Noncurrent loans to loans | 1.1656% | 3,104 |
| Net loans and leases to total assets | 66.8284% | 2,425 |
| Net loans and leases to deposits | 82.9166% | 1,957 |
| Net loans and leases to core deposits | 86.4832% | 2,267 |
| Total domestic deposits to total assets | 80.5971% | 5,355 |
| Equity capital to assets | 12.9925% | 1,309 |
| Core capital (leverage) ratio | 11.6363% | 1,873 |
| Tier 1 risk-based capital ratio | 13.7411% | 4,510 |
| Total risk-based capital ratio | 14.9974% | 4,458 |
| Memoranda: | ||
| Average total assets | $474,648,500 | 1,415 |
| Average earning assets | $427,880,500 | 1,452 |
| Average equity | $61,400,000 | 1,181 |
| Average total loans | $324,179,000 | 1,345 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 4,867 |
| Cost of funding earning assets | 0.5692% | 2,931 |
| Net interest margin | 3.2155% | 4,949 |
| Noninterest income to average assets | 0.1659% | 6,093 |
| Noninterest expense to average assets | 2.1772% | 5,685 |
| Loan and lease loss provision to assets | -0.2074% | 6,605 |
| Net operating income to assets | 0.7157% | 3,717 |
| Return on assets (ROA) | 0.7284% | 3,754 |
| Pretax return on assets | 1.1270% | 2,860 |
| Return on Equity (ROE) | 5.8550% | 4,173 |
| Retained earnings to average equity (ytd only) | 4.6546% | 2,852 |
| Net charge-offs to loans | 0.5304% | 1,253 |
| Credit loss provision to net charge-offs | -56.0852% | 5,813 |
| Earnings coverage of net charge-offs (x) | 2.4341% | 4,196 |
| Efficiency ratio | 70.7508% | 3,712 |
| Assets per employee ($millions) | 5.3911% | 1,756 |
| Cash dividends to net income (ytd only)* | 20.5011% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3916% | 942 |
| Loan loss allowance to noncurrent loans | 201.6129% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 3.2347% | 945 |
| Noncurrent loans to loans | 1.1862% | 3,171 |
| Net loans and leases to total assets | 66.6718% | 2,581 |
| Net loans and leases to deposits | 82.6544% | 2,112 |
| Net loans and leases to core deposits | 86.5161% | 2,390 |
| Total domestic deposits to total assets | 80.6633% | 5,279 |
| Equity capital to assets | 12.8792% | 1,333 |
| Core capital (leverage) ratio | 11.2047% | 2,191 |
| Tier 1 risk-based capital ratio | 13.5511% | 4,616 |
| Total risk-based capital ratio | 14.8101% | 4,556 |
| Memoranda: | ||
| Average total assets | $482,177,600 | 1,378 |
| Average earning assets | $436,572,800 | 1,394 |
| Average equity | $59,983,400 | 1,200 |
| Average total loans | $336,145,200 | 1,268 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8328% | 4,727 |
| Cost of funding earning assets | 0.5823% | 2,976 |
| Net interest margin | 3.2506% | 4,822 |
| Noninterest income to average assets | 0.1650% | 6,200 |
| Noninterest expense to average assets | 2.1295% | 5,772 |
| Loan and lease loss provision to assets | -0.1928% | 6,716 |
| Net operating income to assets | 0.7532% | 3,586 |
| Return on assets (ROA) | 0.7698% | 3,633 |
| Pretax return on assets | 1.2016% | 2,687 |
| Return on Equity (ROE) | 6.2417% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.1698% | 2,959 |
| Net charge-offs to loans | 0.1458% | 3,088 |
| Credit loss provision to net charge-offs | -188.6792% | 5,887 |
| Earnings coverage of net charge-offs (x) | 9.6200% | 2,463 |
| Efficiency ratio | 68.4187% | 4,008 |
| Assets per employee ($millions) | 5.2762% | 1,861 |
| Cash dividends to net income (ytd only)* | 17.1734% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9039% | 614 |
| Loan loss allowance to noncurrent loans | 143.2985% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 4.2859% | 711 |
| Noncurrent loans to loans | 2.0264% | 2,220 |
| Net loans and leases to total assets | 65.8940% | 2,662 |
| Net loans and leases to deposits | 82.1022% | 2,126 |
| Net loans and leases to core deposits | 85.9086% | 2,419 |
| Total domestic deposits to total assets | 80.2586% | 5,440 |
| Equity capital to assets | 12.6411% | 1,507 |
| Core capital (leverage) ratio | 11.2749% | 2,223 |
| Tier 1 risk-based capital ratio | 14.0005% | 4,434 |
| Total risk-based capital ratio | 15.2664% | 4,370 |
| Memoranda: | ||
| Average total assets | $484,118,250 | 1,376 |
| Average earning assets | $438,969,000 | 1,390 |
| Average equity | $59,704,000 | 1,216 |
| Average total loans | $339,168,750 | 1,262 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 4,439 |
| Cost of funding earning assets | 0.6026% | 2,909 |
| Net interest margin | 3.3066% | 4,552 |
| Noninterest income to average assets | 0.1252% | 6,429 |
| Noninterest expense to average assets | 2.1337% | 5,791 |
| Loan and lease loss provision to assets | -0.2884% | 6,826 |
| Net operating income to assets | 0.8173% | 3,211 |
| Return on assets (ROA) | 0.8421% | 3,243 |
| Pretax return on assets | 1.3184% | 2,239 |
| Return on Equity (ROE) | 6.8852% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.8852% | 1,940 |
| Net charge-offs to loans | 0.2474% | 2,243 |
| Credit loss provision to net charge-offs | -164.7059% | 5,694 |
| Earnings coverage of net charge-offs (x) | 5.6612% | 2,850 |
| Efficiency ratio | 68.2795% | 4,130 |
| Assets per employee ($millions) | 5.0750% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7993% | 707 |
| Loan loss allowance to noncurrent loans | 111.7871% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 4.8876% | 632 |
| Noncurrent loans to loans | 2.5041% | 1,848 |
| Net loans and leases to total assets | 69.2156% | 2,029 |
| Net loans and leases to deposits | 85.7272% | 1,598 |
| Net loans and leases to core deposits | 89.8037% | 1,926 |
| Total domestic deposits to total assets | 80.7394% | 5,414 |
| Equity capital to assets | 12.7488% | 1,439 |
| Core capital (leverage) ratio | 10.9971% | 2,356 |
| Tier 1 risk-based capital ratio | 13.4787% | 4,782 |
| Total risk-based capital ratio | 14.7437% | 4,729 |
| Memoranda: | ||
| Average total assets | $485,446,670 | 1,374 |
| Average earning assets | $440,392,670 | 1,387 |
| Average equity | $59,374,000 | 1,223 |
| Average total loans | $343,611,330 | 1,233 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9708% | 4,235 |
| Cost of funding earning assets | 0.6373% | 2,767 |
| Net interest margin | 3.3335% | 4,387 |
| Noninterest income to average assets | 0.2341% | 5,782 |
| Noninterest expense to average assets | 2.0911% | 5,928 |
| Loan and lease loss provision to assets | 0.2438% | 1,480 |
| Net operating income to assets | 0.5973% | 4,228 |
| Return on assets (ROA) | 0.5973% | 4,376 |
| Pretax return on assets | 0.9257% | 3,668 |
| Return on Equity (ROE) | 4.9851% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.9851% | 3,246 |
| Net charge-offs to loans | 1.4877% | 367 |
| Credit loss provision to net charge-offs | 23.2198% | 2,994 |
| Earnings coverage of net charge-offs (x) | 1.1138% | 3,466 |
| Efficiency ratio | 64.1326% | 4,992 |
| Assets per employee ($millions) | 5.2254% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8079% | 813 |
| Loan loss allowance to noncurrent loans | 62.9063% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 6.0172% | 531 |
| Noncurrent loans to loans | 4.4637% | 938 |
| Net loans and leases to total assets | 68.6954% | 1,892 |
| Net loans and leases to deposits | 85.7532% | 1,377 |
| Net loans and leases to core deposits | 89.7237% | 1,727 |
| Total domestic deposits to total assets | 80.1083% | 5,731 |
| Equity capital to assets | 12.3425% | 1,813 |
| Core capital (leverage) ratio | 10.2192% | 3,124 |
| Tier 1 risk-based capital ratio | 13.2152% | 5,062 |
| Total risk-based capital ratio | 14.4812% | 5,007 |
| Memoranda: | ||
| Average total assets | $492,183,500 | 1,370 |
| Average earning assets | $446,859,500 | 1,380 |
| Average equity | $58,975,500 | 1,240 |
| Average total loans | $347,373,500 | 1,220 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 4,436 |
| Cost of funding earning assets | 1.0048% | 1,334 |
| Net interest margin | 3.2357% | 5,471 |
| Noninterest income to average assets | -1.3886% | 7,070 |
| Noninterest expense to average assets | 2.2379% | 5,840 |
| Loan and lease loss provision to assets | 0.6894% | 755 |
| Net operating income to assets | -0.8652% | 6,699 |
| Return on assets (ROA) | -0.8652% | 6,721 |
| Pretax return on assets | -1.4111% | 6,828 |
| Return on Equity (ROE) | -7.4185% | 6,670 |
| Retained earnings to average equity (ytd only) | -7.4185% | 6,547 |
| Net charge-offs to loans | 1.8327% | 436 |
| Credit loss provision to net charge-offs | 52.2474% | 4,636 |
| Earnings coverage of net charge-offs (x) | -0.5470% | 5,682 |
| Efficiency ratio | 147.5959% | 96 |
| Assets per employee ($millions) | 5.5344% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9674% | 687 |
| Loan loss allowance to noncurrent loans | 60.6007% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 6.8545% | 455 |
| Noncurrent loans to loans | 4.8966% | 830 |
| Net loans and leases to total assets | 68.3892% | 2,123 |
| Net loans and leases to deposits | 87.2193% | 1,361 |
| Net loans and leases to core deposits | 91.3701% | 1,691 |
| Total domestic deposits to total assets | 78.4107% | 6,013 |
| Equity capital to assets | 11.6387% | 2,316 |
| Core capital (leverage) ratio | 9.4981% | 4,104 |
| Tier 1 risk-based capital ratio | 12.5060% | 5,473 |
| Total risk-based capital ratio | 13.7742% | 5,414 |
| Memoranda: | ||
| Average total assets | $529,460,200 | 1,262 |
| Average earning assets | $475,320,600 | 1,280 |
| Average equity | $61,751,400 | 1,153 |
| Average total loans | $381,187,600 | 1,095 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 4,493 |
| Cost of funding earning assets | 1.0671% | 1,209 |
| Net interest margin | 3.2209% | 5,648 |
| Noninterest income to average assets | -0.7118% | 7,151 |
| Noninterest expense to average assets | 2.2754% | 5,754 |
| Loan and lease loss provision to assets | 0.7961% | 593 |
| Net operating income to assets | -0.5448% | 6,720 |
| Return on assets (ROA) | -0.5448% | 6,745 |
| Pretax return on assets | -0.8991% | 6,836 |
| Return on Equity (ROE) | -4.6693% | 6,705 |
| Retained earnings to average equity (ytd only) | -4.6693% | 6,594 |
| Net charge-offs to loans | 1.9944% | 366 |
| Credit loss provision to net charge-offs | 55.1724% | 4,273 |
| Earnings coverage of net charge-offs (x) | -0.0714% | 5,366 |
| Efficiency ratio | 104.7412% | 407 |
| Assets per employee ($millions) | 5.7176% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9771% | 731 |
| Loan loss allowance to noncurrent loans | 95.3223% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 6.4920% | 583 |
| Noncurrent loans to loans | 3.1231% | 1,780 |
| Net loans and leases to total assets | 70.5855% | 1,804 |
| Net loans and leases to deposits | 91.8920% | 982 |
| Net loans and leases to core deposits | 96.7069% | 1,351 |
| Total domestic deposits to total assets | 76.8136% | 6,266 |
| Equity capital to assets | 11.7287% | 2,507 |
| Core capital (leverage) ratio | 10.4331% | 2,995 |
| Tier 1 risk-based capital ratio | 12.8917% | 5,334 |
| Total risk-based capital ratio | 14.1596% | 5,286 |
| Memoranda: | ||
| Average total assets | $535,918,000 | 1,262 |
| Average earning assets | $479,897,250 | 1,284 |
| Average equity | $62,535,250 | 1,145 |
| Average total loans | $387,744,250 | 1,087 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 4,520 |
| Cost of funding earning assets | 1.1521% | 1,018 |
| Net interest margin | 3.1597% | 5,844 |
| Noninterest income to average assets | 0.0658% | 6,803 |
| Noninterest expense to average assets | 2.2664% | 5,827 |
| Loan and lease loss provision to assets | 0.9610% | 466 |
| Net operating income to assets | -0.1944% | 6,539 |
| Return on assets (ROA) | -0.1944% | 6,612 |
| Pretax return on assets | -0.3397% | 6,664 |
| Return on Equity (ROE) | -1.6688% | 6,598 |
| Retained earnings to average equity (ytd only) | -1.6688% | 6,314 |
| Net charge-offs to loans | 2.7588% | 228 |
| Credit loss provision to net charge-offs | 48.2285% | 4,078 |
| Earnings coverage of net charge-offs (x) | 0.3118% | 4,921 |
| Efficiency ratio | 78.4846% | 2,399 |
| Assets per employee ($millions) | 5.8131% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0373% | 750 |
| Loan loss allowance to noncurrent loans | 90.6621% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 9.2654% | 314 |
| Noncurrent loans to loans | 3.3501% | 1,734 |
| Net loans and leases to total assets | 66.8548% | 2,495 |
| Net loans and leases to deposits | 88.8375% | 1,277 |
| Net loans and leases to core deposits | 93.7113% | 1,633 |
| Total domestic deposits to total assets | 75.2552% | 6,560 |
| Equity capital to assets | 11.8327% | 2,282 |
| Core capital (leverage) ratio | 10.5931% | 2,720 |
| Tier 1 risk-based capital ratio | 13.6337% | 4,715 |
| Total risk-based capital ratio | 14.9015% | 4,674 |
| Memoranda: | ||
| Average total assets | $541,122,330 | 1,251 |
| Average earning assets | $483,278,000 | 1,277 |
| Average equity | $63,038,670 | 1,126 |
| Average total loans | $390,816,000 | 1,082 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3170% | 4,672 |
| Cost of funding earning assets | 1.2129% | 929 |
| Net interest margin | 3.1040% | 6,025 |
| Noninterest income to average assets | 0.2010% | 6,187 |
| Noninterest expense to average assets | 2.0322% | 6,404 |
| Loan and lease loss provision to assets | 0.6579% | 821 |
| Net operating income to assets | 0.2127% | 5,948 |
| Return on assets (ROA) | 0.2127% | 6,094 |
| Pretax return on assets | 0.3114% | 5,955 |
| Return on Equity (ROE) | 1.8400% | 6,120 |
| Retained earnings to average equity (ytd only) | 1.8400% | 5,328 |
| Net charge-offs to loans | 3.3180% | 204 |
| Credit loss provision to net charge-offs | 26.8657% | 3,672 |
| Earnings coverage of net charge-offs (x) | 0.3958% | 4,160 |
| Efficiency ratio | 67.7058% | 4,230 |
| Assets per employee ($millions) | 5.8564% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9025% | 911 |
| Loan loss allowance to noncurrent loans | 43.7392% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 9.9423% | 303 |
| Noncurrent loans to loans | 6.6360% | 716 |
| Net loans and leases to total assets | 70.8985% | 1,593 |
| Net loans and leases to deposits | 96.9604% | 483 |
| Net loans and leases to core deposits | 101.4377% | 892 |
| Total domestic deposits to total assets | 73.1211% | 6,819 |
| Equity capital to assets | 11.7641% | 2,212 |
| Core capital (leverage) ratio | 10.4975% | 2,753 |
| Tier 1 risk-based capital ratio | 13.2712% | 5,012 |
| Total risk-based capital ratio | 14.5388% | 4,981 |
| Memoranda: | ||
| Average total assets | $547,188,000 | 1,243 |
| Average earning assets | $493,679,000 | 1,249 |
| Average equity | $63,261,000 | 1,115 |
| Average total loans | $403,857,000 | 1,044 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 5,070 |
| Cost of funding earning assets | 1.5881% | 496 |
| Net interest margin | 2.9122% | 6,670 |
| Noninterest income to average assets | -0.0160% | 7,024 |
| Noninterest expense to average assets | 1.8500% | 6,899 |
| Loan and lease loss provision to assets | 0.7635% | 1,310 |
| Net operating income to assets | 0.0260% | 5,993 |
| Return on assets (ROA) | 0.0369% | 6,091 |
| Pretax return on assets | 0.0342% | 6,066 |
| Return on Equity (ROE) | 0.3657% | 6,091 |
| Retained earnings to average equity (ytd only) | 0.3657% | 5,665 |
| Net charge-offs to loans | 0.7505% | 2,275 |
| Credit loss provision to net charge-offs | 138.0064% | 2,148 |
| Earnings coverage of net charge-offs (x) | 1.4220% | 4,703 |
| Efficiency ratio | 70.1627% | 3,911 |
| Assets per employee ($millions) | 6.1053% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3476% | 597 |
| Loan loss allowance to noncurrent loans | 56.5182% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 8.1293% | 491 |
| Noncurrent loans to loans | 5.9230% | 848 |
| Net loans and leases to total assets | 72.0738% | 1,635 |
| Net loans and leases to deposits | 101.1670% | 409 |
| Net loans and leases to core deposits | 105.8232% | 797 |
| Total domestic deposits to total assets | 71.2424% | 6,912 |
| Equity capital to assets | 11.3642% | 2,627 |
| Core capital (leverage) ratio | 10.0268% | 3,304 |
| Tier 1 risk-based capital ratio | 12.8026% | 5,238 |
| Total risk-based capital ratio | 14.0755% | 5,198 |
| Memoranda: | ||
| Average total assets | $620,177,400 | 1,048 |
| Average earning assets | $564,891,000 | 1,049 |
| Average equity | $62,613,400 | 1,075 |
| Average total loans | $457,158,000 | 913 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 5,287 |
| Cost of funding earning assets | 1.6351% | 505 |
| Net interest margin | 2.8519% | 6,827 |
| Noninterest income to average assets | -0.0126% | 7,131 |
| Noninterest expense to average assets | 1.8150% | 6,976 |
| Loan and lease loss provision to assets | 0.7124% | 1,347 |
| Net operating income to assets | 0.0503% | 6,076 |
| Return on assets (ROA) | 0.0620% | 6,152 |
| Pretax return on assets | 0.0752% | 6,133 |
| Return on Equity (ROE) | 0.6316% | 6,146 |
| Retained earnings to average equity (ytd only) | 0.6316% | 5,764 |
| Net charge-offs to loans | 0.3129% | 3,535 |
| Credit loss provision to net charge-offs | 309.6539% | 917 |
| Earnings coverage of net charge-offs (x) | 3.3616% | 3,470 |
| Efficiency ratio | 70.1206% | 3,943 |
| Assets per employee ($millions) | 6.2753% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4243% | 600 |
| Loan loss allowance to noncurrent loans | 52.8849% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 8.8119% | 460 |
| Noncurrent loans to loans | 6.4751% | 820 |
| Net loans and leases to total assets | 73.4248% | 1,427 |
| Net loans and leases to deposits | 106.1394% | 246 |
| Net loans and leases to core deposits | 110.7551% | 642 |
| Total domestic deposits to total assets | 69.1777% | 7,079 |
| Equity capital to assets | 11.0746% | 3,074 |
| Core capital (leverage) ratio | 10.0020% | 3,443 |
| Tier 1 risk-based capital ratio | 12.4874% | 5,494 |
| Total risk-based capital ratio | 13.7618% | 5,472 |
| Memoranda: | ||
| Average total assets | $636,325,250 | 1,026 |
| Average earning assets | $580,333,250 | 1,024 |
| Average equity | $62,482,250 | 1,083 |
| Average total loans | $467,872,250 | 907 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 5,370 |
| Cost of funding earning assets | 1.6857% | 493 |
| Net interest margin | 2.8100% | 6,914 |
| Noninterest income to average assets | -0.2246% | 7,347 |
| Noninterest expense to average assets | 1.7791% | 7,104 |
| Loan and lease loss provision to assets | 0.7294% | 1,279 |
| Net operating income to assets | -0.0895% | 6,338 |
| Return on assets (ROA) | -0.0763% | 6,379 |
| Pretax return on assets | -0.1450% | 6,407 |
| Return on Equity (ROE) | -0.8067% | 6,384 |
| Retained earnings to average equity (ytd only) | -0.8067% | 6,017 |
| Net charge-offs to loans | 0.3427% | 3,193 |
| Credit loss provision to net charge-offs | 292.3264% | 1,045 |
| Earnings coverage of net charge-offs (x) | 2.2594% | 3,703 |
| Efficiency ratio | 75.9372% | 3,018 |
| Assets per employee ($millions) | 6.5478% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1765% | 779 |
| Loan loss allowance to noncurrent loans | 52.7446% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 8.3040% | 537 |
| Noncurrent loans to loans | 6.0225% | 988 |
| Net loans and leases to total assets | 70.0444% | 2,209 |
| Net loans and leases to deposits | 100.5507% | 467 |
| Net loans and leases to core deposits | 105.6993% | 946 |
| Total domestic deposits to total assets | 69.6608% | 7,133 |
| Equity capital to assets | 10.1947% | 3,883 |
| Core capital (leverage) ratio | 9.1910% | 4,424 |
| Tier 1 risk-based capital ratio | 11.9160% | 5,852 |
| Total risk-based capital ratio | 13.1870% | 5,814 |
| Memoranda: | ||
| Average total assets | $658,084,330 | 1,001 |
| Average earning assets | $601,284,670 | 989 |
| Average equity | $62,229,330 | 1,086 |
| Average total loans | $479,110,330 | 906 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 5,212 |
| Cost of funding earning assets | 1.7615% | 432 |
| Net interest margin | 2.7757% | 6,943 |
| Noninterest income to average assets | -0.3415% | 7,466 |
| Noninterest expense to average assets | 1.7775% | 7,163 |
| Loan and lease loss provision to assets | 0.8832% | 919 |
| Net operating income to assets | -0.2750% | 6,634 |
| Return on assets (ROA) | -0.2750% | 6,650 |
| Pretax return on assets | -0.4610% | 6,735 |
| Return on Equity (ROE) | -3.0144% | 6,673 |
| Retained earnings to average equity (ytd only) | -3.0144% | 6,300 |
| Net charge-offs to loans | 0.0008% | 5,105 |
| Credit loss provision to net charge-offs | 150,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 717.0000% | 24 |
| Efficiency ratio | 80.8084% | 2,397 |
| Assets per employee ($millions) | 6.9430% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9244% | 982 |
| Loan loss allowance to noncurrent loans | 60.3062% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 7.4222% | 683 |
| Noncurrent loans to loans | 4.8492% | 1,404 |
| Net loans and leases to total assets | 72.3033% | 1,658 |
| Net loans and leases to deposits | 104.7826% | 290 |
| Net loans and leases to core deposits | 110.3622% | 703 |
| Total domestic deposits to total assets | 69.0032% | 7,228 |
| Equity capital to assets | 9.5527% | 4,365 |
| Core capital (leverage) ratio | 8.4345% | 5,569 |
| Tier 1 risk-based capital ratio | 10.8274% | 6,627 |
| Total risk-based capital ratio | 12.0954% | 6,587 |
| Memoranda: | ||
| Average total assets | $679,378,000 | 983 |
| Average earning assets | $621,970,000 | 973 |
| Average equity | $61,970,000 | 1,085 |
| Average total loans | $496,033,000 | 889 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 5,726 |
| Cost of funding earning assets | 2.0929% | 441 |
| Net interest margin | 2.6280% | 7,185 |
| Noninterest income to average assets | -0.2231% | 7,479 |
| Noninterest expense to average assets | 1.5813% | 7,417 |
| Loan and lease loss provision to assets | 1.5721% | 924 |
| Net operating income to assets | -0.6386% | 6,477 |
| Return on assets (ROA) | -0.6386% | 6,506 |
| Pretax return on assets | -0.9640% | 6,617 |
| Return on Equity (ROE) | -7.7877% | 6,609 |
| Retained earnings to average equity (ytd only) | -7.7877% | 6,518 |
| Net charge-offs to loans | 2.4504% | 767 |
| Credit loss provision to net charge-offs | 86.6905% | 5,253 |
| Earnings coverage of net charge-offs (x) | 0.3353% | 5,773 |
| Efficiency ratio | 72.2280% | 3,745 |
| Assets per employee ($millions) | 7.2026% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4582% | 1,461 |
| Loan loss allowance to noncurrent loans | 52.4722% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 6.8460% | 810 |
| Noncurrent loans to loans | 4.6848% | 1,487 |
| Net loans and leases to total assets | 69.9208% | 2,548 |
| Net loans and leases to deposits | 102.6056% | 463 |
| Net loans and leases to core deposits | 110.6975% | 883 |
| Total domestic deposits to total assets | 68.1452% | 7,317 |
| Equity capital to assets | 8.7311% | 5,539 |
| Core capital (leverage) ratio | 8.0399% | 6,134 |
| Tier 1 risk-based capital ratio | 10.5875% | 6,648 |
| Total risk-based capital ratio | 11.8499% | 6,605 |
| Memoranda: | ||
| Average total assets | $787,620,800 | 857 |
| Average earning assets | $723,024,600 | 844 |
| Average equity | $64,589,400 | 1,035 |
| Average total loans | $582,876,400 | 769 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 5,834 |
| Cost of funding earning assets | 2.1450% | 458 |
| Net interest margin | 2.6103% | 7,309 |
| Noninterest income to average assets | 0.1141% | 6,976 |
| Noninterest expense to average assets | 1.5235% | 7,540 |
| Loan and lease loss provision to assets | 1.5225% | 866 |
| Net operating income to assets | -0.3360% | 6,463 |
| Return on assets (ROA) | -0.3360% | 6,511 |
| Pretax return on assets | -0.5366% | 6,581 |
| Return on Equity (ROE) | -4.1571% | 6,576 |
| Retained earnings to average equity (ytd only) | -4.1571% | 6,474 |
| Net charge-offs to loans | 2.3670% | 736 |
| Credit loss provision to net charge-offs | 86.3210% | 4,912 |
| Earnings coverage of net charge-offs (x) | 0.5590% | 5,460 |
| Efficiency ratio | 60.7117% | 5,835 |
| Assets per employee ($millions) | 7.6093% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3655% | 1,520 |
| Loan loss allowance to noncurrent loans | 46.6151% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 6.8464% | 800 |
| Noncurrent loans to loans | 5.0746% | 1,357 |
| Net loans and leases to total assets | 71.2644% | 2,415 |
| Net loans and leases to deposits | 105.2406% | 392 |
| Net loans and leases to core deposits | 115.3695% | 773 |
| Total domestic deposits to total assets | 67.7157% | 7,397 |
| Equity capital to assets | 8.6889% | 6,034 |
| Core capital (leverage) ratio | 8.2343% | 5,986 |
| Tier 1 risk-based capital ratio | 10.4110% | 6,826 |
| Total risk-based capital ratio | 11.6719% | 6,816 |
| Memoranda: | ||
| Average total assets | $806,261,750 | 840 |
| Average earning assets | $739,875,000 | 828 |
| Average equity | $65,172,250 | 1,030 |
| Average total loans | $600,810,500 | 739 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7789% | 5,865 |
| Cost of funding earning assets | 2.2095% | 452 |
| Net interest margin | 2.5695% | 7,374 |
| Noninterest income to average assets | 0.0405% | 7,377 |
| Noninterest expense to average assets | 1.3989% | 7,668 |
| Loan and lease loss provision to assets | 1.3732% | 981 |
| Net operating income to assets | -0.2306% | 6,391 |
| Return on assets (ROA) | -0.2306% | 6,434 |
| Pretax return on assets | -0.3702% | 6,491 |
| Return on Equity (ROE) | -2.9196% | 6,508 |
| Retained earnings to average equity (ytd only) | -2.9196% | 6,284 |
| Net charge-offs to loans | 2.0932% | 862 |
| Credit loss provision to net charge-offs | 87.4884% | 4,501 |
| Earnings coverage of net charge-offs (x) | 0.6390% | 5,100 |
| Efficiency ratio | 58.2415% | 6,349 |
| Assets per employee ($millions) | 8.0464% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3235% | 1,548 |
| Loan loss allowance to noncurrent loans | 36.7361% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 6.9483% | 765 |
| Noncurrent loans to loans | 6.3248% | 970 |
| Net loans and leases to total assets | 71.3513% | 2,577 |
| Net loans and leases to deposits | 104.8176% | 447 |
| Net loans and leases to core deposits | 115.2195% | 873 |
| Total domestic deposits to total assets | 68.0718% | 7,427 |
| Equity capital to assets | 8.2919% | 6,435 |
| Core capital (leverage) ratio | 8.1373% | 6,053 |
| Tier 1 risk-based capital ratio | 10.0960% | 6,979 |
| Total risk-based capital ratio | 11.3563% | 6,939 |
| Memoranda: | ||
| Average total assets | $823,909,000 | 827 |
| Average earning assets | $757,199,670 | 812 |
| Average equity | $65,078,000 | 1,026 |
| Average total loans | $617,795,330 | 726 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 5,928 |
| Cost of funding earning assets | 2.3489% | 363 |
| Net interest margin | 2.4403% | 7,511 |
| Noninterest income to average assets | 0.1118% | 7,131 |
| Noninterest expense to average assets | 1.3557% | 7,777 |
| Loan and lease loss provision to assets | 2.2108% | 487 |
| Net operating income to assets | -0.7385% | 6,977 |
| Return on assets (ROA) | -0.7385% | 7,001 |
| Pretax return on assets | -1.1997% | 7,146 |
| Return on Equity (ROE) | -9.5803% | 7,121 |
| Retained earnings to average equity (ytd only) | -9.5803% | 6,937 |
| Net charge-offs to loans | 3.1757% | 469 |
| Credit loss provision to net charge-offs | 91.6998% | 3,627 |
| Earnings coverage of net charge-offs (x) | 0.4194% | 4,656 |
| Efficiency ratio | 57.2790% | 6,593 |
| Assets per employee ($millions) | 8.2005% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2919% | 1,588 |
| Loan loss allowance to noncurrent loans | 36.3211% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 6.9422% | 779 |
| Noncurrent loans to loans | 6.3101% | 1,006 |
| Net loans and leases to total assets | 70.9100% | 2,716 |
| Net loans and leases to deposits | 105.3737% | 459 |
| Net loans and leases to core deposits | 119.2487% | 814 |
| Total domestic deposits to total assets | 67.2939% | 7,560 |
| Equity capital to assets | 7.5004% | 7,076 |
| Core capital (leverage) ratio | 7.5835% | 6,755 |
| Tier 1 risk-based capital ratio | 9.1257% | 7,453 |
| Total risk-based capital ratio | 10.3857% | 7,459 |
| Memoranda: | ||
| Average total assets | $833,541,500 | 832 |
| Average earning assets | $770,234,500 | 813 |
| Average equity | $64,257,000 | 1,037 |
| Average total loans | $632,802,500 | 725 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 6,196 |
| Cost of funding earning assets | 2.6854% | 616 |
| Net interest margin | 2.3834% | 7,523 |
| Noninterest income to average assets | 0.1560% | 6,954 |
| Noninterest expense to average assets | 1.3115% | 7,867 |
| Loan and lease loss provision to assets | 3.3050% | 483 |
| Net operating income to assets | -1.3540% | 6,793 |
| Return on assets (ROA) | -1.3540% | 6,795 |
| Pretax return on assets | -2.2076% | 7,024 |
| Return on Equity (ROE) | -15.9014% | 6,983 |
| Retained earnings to average equity (ytd only) | -16.4365% | 6,959 |
| Net charge-offs to loans | 3.7593% | 485 |
| Credit loss provision to net charge-offs | 109.7753% | 5,013 |
| Earnings coverage of net charge-offs (x) | 0.3645% | 5,752 |
| Efficiency ratio | 54.4444% | 7,182 |
| Assets per employee ($millions) | 7.9848% | 516 |
| Cash dividends to net income (ytd only)* | -3.3647% | 7,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2166% | 1,618 |
| Loan loss allowance to noncurrent loans | 35.6903% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 5.5800% | 1,047 |
| Noncurrent loans to loans | 6.2107% | 1,000 |
| Net loans and leases to total assets | 77.5927% | 1,470 |
| Net loans and leases to deposits | 110.5431% | 369 |
| Net loans and leases to core deposits | 146.7978% | 590 |
| Total domestic deposits to total assets | 70.1923% | 7,411 |
| Equity capital to assets | 7.9231% | 6,648 |
| Core capital (leverage) ratio | 7.5729% | 6,717 |
| Tier 1 risk-based capital ratio | 8.9748% | 7,476 |
| Total risk-based capital ratio | 10.2345% | 7,494 |
| Memoranda: | ||
| Average total assets | $877,993,400 | 771 |
| Average earning assets | $829,920,000 | 739 |
| Average equity | $74,760,600 | 861 |
| Average total loans | $703,170,800 | 662 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1039% | 6,252 |
| Cost of funding earning assets | 2.7069% | 778 |
| Net interest margin | 2.3970% | 7,570 |
| Noninterest income to average assets | 0.1428% | 7,156 |
| Noninterest expense to average assets | 1.3034% | 7,963 |
| Loan and lease loss provision to assets | 1.0091% | 1,904 |
| Net operating income to assets | 0.0906% | 5,492 |
| Return on assets (ROA) | 0.0906% | 5,543 |
| Pretax return on assets | 0.1021% | 5,521 |
| Return on Equity (ROE) | 1.0471% | 5,481 |
| Retained earnings to average equity (ytd only) | 0.3560% | 5,050 |
| Net charge-offs to loans | 0.4534% | 3,419 |
| Credit loss provision to net charge-offs | 277.3213% | 1,515 |
| Earnings coverage of net charge-offs (x) | 3.0538% | 3,705 |
| Efficiency ratio | 53.9809% | 7,237 |
| Assets per employee ($millions) | 8.5055% | 429 |
| Cash dividends to net income (ytd only)* | 66.0066% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3744% | 1,201 |
| Loan loss allowance to noncurrent loans | 42.4765% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 4.9756% | 1,181 |
| Noncurrent loans to loans | 5.5899% | 1,113 |
| Net loans and leases to total assets | 75.2897% | 2,159 |
| Net loans and leases to deposits | 108.9582% | 501 |
| Net loans and leases to core deposits | 144.2094% | 755 |
| Total domestic deposits to total assets | 69.0996% | 7,489 |
| Equity capital to assets | 8.7719% | 5,844 |
| Core capital (leverage) ratio | 8.8038% | 4,965 |
| Tier 1 risk-based capital ratio | 10.2687% | 6,715 |
| Total risk-based capital ratio | 11.5301% | 6,648 |
| Memoranda: | ||
| Average total assets | $891,883,250 | 766 |
| Average earning assets | $845,314,000 | 731 |
| Average equity | $77,160,250 | 850 |
| Average total loans | $715,809,750 | 664 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1155% | 6,370 |
| Cost of funding earning assets | 2.7304% | 960 |
| Net interest margin | 2.3851% | 7,587 |
| Noninterest income to average assets | 0.1326% | 7,295 |
| Noninterest expense to average assets | 1.3266% | 8,052 |
| Loan and lease loss provision to assets | 0.8051% | 2,076 |
| Net operating income to assets | 0.1666% | 5,361 |
| Return on assets (ROA) | 0.1666% | 5,465 |
| Pretax return on assets | 0.2641% | 5,286 |
| Return on Equity (ROE) | 1.9347% | 5,325 |
| Retained earnings to average equity (ytd only) | 0.8959% | 4,822 |
| Net charge-offs to loans | 0.6547% | 2,399 |
| Credit loss provision to net charge-offs | 151.2605% | 3,047 |
| Earnings coverage of net charge-offs (x) | 2.0088% | 4,081 |
| Efficiency ratio | 55.3720% | 7,184 |
| Assets per employee ($millions) | 8.2673% | 449 |
| Cash dividends to net income (ytd only)* | 53.6913% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8528% | 1,904 |
| Loan loss allowance to noncurrent loans | 36.6705% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 4.7231% | 1,174 |
| Noncurrent loans to loans | 5.0526% | 1,208 |
| Net loans and leases to total assets | 78.4566% | 1,647 |
| Net loans and leases to deposits | 113.8571% | 404 |
| Net loans and leases to core deposits | 153.5785% | 571 |
| Total domestic deposits to total assets | 68.9080% | 7,561 |
| Equity capital to assets | 8.7774% | 5,631 |
| Core capital (leverage) ratio | 8.6872% | 5,114 |
| Tier 1 risk-based capital ratio | 9.8769% | 7,059 |
| Total risk-based capital ratio | 11.1323% | 6,988 |
| Memoranda: | ||
| Average total assets | $894,318,670 | 785 |
| Average earning assets | $848,600,330 | 745 |
| Average equity | $77,015,670 | 864 |
| Average total loans | $727,015,330 | 675 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1370% | 6,535 |
| Cost of funding earning assets | 2.7383% | 1,143 |
| Net interest margin | 2.3987% | 7,614 |
| Noninterest income to average assets | 0.1286% | 7,372 |
| Noninterest expense to average assets | 1.2389% | 8,102 |
| Loan and lease loss provision to assets | 0.6673% | 1,893 |
| Net operating income to assets | 0.3158% | 5,237 |
| Return on assets (ROA) | 0.3158% | 5,409 |
| Pretax return on assets | 0.5036% | 5,070 |
| Return on Equity (ROE) | 3.7027% | 5,085 |
| Retained earnings to average equity (ytd only) | 1.6167% | 4,938 |
| Net charge-offs to loans | 0.5938% | 1,990 |
| Credit loss provision to net charge-offs | 137.1115% | 2,960 |
| Earnings coverage of net charge-offs (x) | 2.4059% | 3,531 |
| Efficiency ratio | 51.4122% | 7,475 |
| Assets per employee ($millions) | 7.7482% | 558 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 2,136 |
| Loan loss allowance to noncurrent loans | 51.6042% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 3.3124% | 1,652 |
| Noncurrent loans to loans | 3.3020% | 1,938 |
| Net loans and leases to total assets | 78.8669% | 1,609 |
| Net loans and leases to deposits | 113.8511% | 453 |
| Net loans and leases to core deposits | 152.4791% | 633 |
| Total domestic deposits to total assets | 69.2719% | 7,489 |
| Equity capital to assets | 8.5148% | 6,055 |
| Core capital (leverage) ratio | 8.6656% | 5,222 |
| Tier 1 risk-based capital ratio | 9.7102% | 7,248 |
| Total risk-based capital ratio | 10.9640% | 7,151 |
| Memoranda: | ||
| Average total assets | $899,175,000 | 783 |
| Average earning assets | $855,122,000 | 740 |
| Average equity | $76,701,000 | 862 |
| Average total loans | $736,956,000 | 670 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7945% | 6,451 |
| Cost of funding earning assets | 3.1729% | 1,279 |
| Net interest margin | 2.6216% | 7,619 |
| Noninterest income to average assets | 0.1152% | 7,545 |
| Noninterest expense to average assets | 1.2473% | 8,145 |
| Loan and lease loss provision to assets | 0.7096% | 2,080 |
| Net operating income to assets | 0.4246% | 5,055 |
| Return on assets (ROA) | 0.4250% | 4,874 |
| Pretax return on assets | 0.6416% | 4,569 |
| Return on Equity (ROE) | 4.7285% | 4,503 |
| Retained earnings to average equity (ytd only) | 0.8297% | 4,727 |
| Net charge-offs to loans | 0.2076% | 4,125 |
| Credit loss provision to net charge-offs | 417.9207% | 1,044 |
| Earnings coverage of net charge-offs (x) | 7.9542% | 2,980 |
| Efficiency ratio | 48.0106% | 7,807 |
| Assets per employee ($millions) | 7.6234% | 539 |
| Cash dividends to net income (ytd only)* | 82.4542% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 2,332 |
| Loan loss allowance to noncurrent loans | 98.2796% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.4724% | 3,274 |
| Noncurrent loans to loans | 1.6060% | 3,359 |
| Net loans and leases to total assets | 82.3619% | 1,161 |
| Net loans and leases to deposits | 128.2961% | 235 |
| Net loans and leases to core deposits | 167.1548% | 458 |
| Total domestic deposits to total assets | 64.1967% | 7,778 |
| Equity capital to assets | 8.5455% | 6,021 |
| Core capital (leverage) ratio | 8.9105% | 4,869 |
| Tier 1 risk-based capital ratio | 9.3353% | 7,480 |
| Total risk-based capital ratio | 10.5878% | 7,407 |
| Memoranda: | ||
| Average total assets | $861,005,000 | 790 |
| Average earning assets | $815,370,000 | 743 |
| Average equity | $77,381,400 | 860 |
| Average total loans | $704,406,200 | 676 |