Home > Journey Bank > Performance and Condition Ratios
Journey Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7479% | 1,578 |
| Cost of funding earning assets | 1.9251% | 2,133 |
| Net interest margin | 3.8228% | 1,635 |
| Noninterest income to average assets | 0.6000% | 1,343 |
| Noninterest expense to average assets | 2.7326% | 1,672 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.1144% | 1,972 |
| Return on assets (ROA) | 1.1144% | 1,968 |
| Pretax return on assets | 1.3139% | 1,930 |
| Return on Equity (ROE) | 10.7900% | 2,087 |
| Retained earnings to average equity (ytd only) | 6.9324% | 2,019 |
| Net charge-offs to loans | -0.0060% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 63.9355% | 2,480 |
| Assets per employee ($millions) | 6.6925% | 2,430 |
| Cash dividends to net income (ytd only)* | 35.7544% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 3,676 |
| Loan loss allowance to noncurrent loans | 81.6435% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 988 |
| Noncurrent loans to loans | 1.0672% | 997 |
| Net loans and leases to total assets | 71.0200% | 1,723 |
| Net loans and leases to deposits | 84.8113% | 1,613 |
| Net loans and leases to core deposits | 91.2938% | 1,964 |
| Total domestic deposits to total assets | 83.7400% | 2,963 |
| Equity capital to assets | 10.4634% | 1,941 |
| Core capital (leverage) ratio | 9.2953% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1276% | 1,235 |
| Memoranda: | ||
| Average total assets | $1,596,149,500 | 704 |
| Average earning assets | $1,448,875,000 | 700 |
| Average equity | $164,848,000 | 688 |
| Average total loans | $1,136,797,000 | 694 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6638% | 1,822 |
| Cost of funding earning assets | 2.1700% | 1,810 |
| Net interest margin | 3.4939% | 2,089 |
| Noninterest income to average assets | 0.6400% | 1,366 |
| Noninterest expense to average assets | 2.3210% | 2,808 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.2047% | 1,478 |
| Return on assets (ROA) | 1.2043% | 1,489 |
| Pretax return on assets | 1.4163% | 1,473 |
| Return on Equity (ROE) | 12.3900% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.3546% | 993 |
| Net charge-offs to loans | 0.0265% | 2,041 |
| Credit loss provision to net charge-offs | 291.0653% | 886 |
| Earnings coverage of net charge-offs (x) | 80.6529% | 923 |
| Efficiency ratio | 57.6013% | 3,400 |
| Assets per employee ($millions) | 6.7492% | 2,333 |
| Cash dividends to net income (ytd only)* | 32.5849% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 3,702 |
| Loan loss allowance to noncurrent loans | 98.1188% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 1,144 |
| Noncurrent loans to loans | 0.8910% | 1,119 |
| Net loans and leases to total assets | 70.1800% | 1,871 |
| Net loans and leases to deposits | 86.4299% | 1,549 |
| Net loans and leases to core deposits | 93.0745% | 1,906 |
| Total domestic deposits to total assets | 81.1900% | 3,377 |
| Equity capital to assets | 10.1917% | 2,012 |
| Core capital (leverage) ratio | 9.0958% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0326% | 1,254 |
| Memoranda: | ||
| Average total assets | $1,597,526,200 | 704 |
| Average earning assets | $1,441,413,000 | 702 |
| Average equity | $155,243,800 | 697 |
| Average total loans | $1,098,807,800 | 706 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6281% | 1,846 |
| Cost of funding earning assets | 2.2037% | 1,724 |
| Net interest margin | 3.4244% | 2,186 |
| Noninterest income to average assets | 0.6200% | 1,407 |
| Noninterest expense to average assets | 2.3116% | 2,760 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.1651% | 1,588 |
| Return on assets (ROA) | 1.1645% | 1,591 |
| Pretax return on assets | 1.3737% | 1,582 |
| Return on Equity (ROE) | 12.1300% | 1,580 |
| Retained earnings to average equity (ytd only) | 8.0343% | 1,379 |
| Net charge-offs to loans | 0.0214% | 1,938 |
| Credit loss provision to net charge-offs | 164.5714% | 1,219 |
| Earnings coverage of net charge-offs (x) | 95.7143% | 814 |
| Efficiency ratio | 58.6075% | 3,292 |
| Assets per employee ($millions) | 6.6781% | 2,362 |
| Cash dividends to net income (ytd only)* | 33.7678% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 3,819 |
| Loan loss allowance to noncurrent loans | 110.6996% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 1,331 |
| Noncurrent loans to loans | 0.7629% | 1,296 |
| Net loans and leases to total assets | 68.9700% | 1,964 |
| Net loans and leases to deposits | 85.5971% | 1,681 |
| Net loans and leases to core deposits | 92.9043% | 1,956 |
| Total domestic deposits to total assets | 80.5800% | 3,375 |
| Equity capital to assets | 10.2175% | 2,147 |
| Core capital (leverage) ratio | 8.8239% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5363% | 1,404 |
| Memoranda: | ||
| Average total assets | $1,598,707,750 | 692 |
| Average earning assets | $1,440,323,250 | 694 |
| Average equity | $153,471,250 | 696 |
| Average total loans | $1,091,602,750 | 700 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5648% | 1,854 |
| Cost of funding earning assets | 2.1949% | 1,656 |
| Net interest margin | 3.3699% | 2,247 |
| Noninterest income to average assets | 0.6400% | 1,304 |
| Noninterest expense to average assets | 2.3292% | 2,715 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.1243% | 1,661 |
| Return on assets (ROA) | 1.1235% | 1,664 |
| Pretax return on assets | 1.3252% | 1,632 |
| Return on Equity (ROE) | 11.9600% | 1,635 |
| Retained earnings to average equity (ytd only) | 7.7712% | 1,440 |
| Net charge-offs to loans | 0.0142% | 1,906 |
| Credit loss provision to net charge-offs | 177.9221% | 1,100 |
| Earnings coverage of net charge-offs (x) | 139.1039% | 630 |
| Efficiency ratio | 59.7155% | 3,231 |
| Assets per employee ($millions) | 6.4029% | 2,486 |
| Cash dividends to net income (ytd only)* | 35.0273% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 3,828 |
| Loan loss allowance to noncurrent loans | 126.4964% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 1,366 |
| Noncurrent loans to loans | 0.6720% | 1,367 |
| Net loans and leases to total assets | 68.7700% | 2,041 |
| Net loans and leases to deposits | 86.2179% | 1,636 |
| Net loans and leases to core deposits | 92.9239% | 1,936 |
| Total domestic deposits to total assets | 79.7700% | 3,487 |
| Equity capital to assets | 9.5891% | 2,336 |
| Core capital (leverage) ratio | 8.6814% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9902% | 1,524 |
| Memoranda: | ||
| Average total assets | $1,597,365,667 | 698 |
| Average earning assets | $1,438,728,333 | 699 |
| Average equity | $150,041,667 | 705 |
| Average total loans | $1,083,858,333 | 707 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5006% | 1,812 |
| Cost of funding earning assets | 2.2029% | 1,545 |
| Net interest margin | 3.2977% | 2,346 |
| Noninterest income to average assets | 0.6600% | 1,157 |
| Noninterest expense to average assets | 2.3662% | 2,606 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.0556% | 1,785 |
| Return on assets (ROA) | 1.0539% | 1,789 |
| Pretax return on assets | 1.2404% | 1,792 |
| Return on Equity (ROE) | 11.3400% | 1,758 |
| Retained earnings to average equity (ytd only) | 7.1175% | 1,795 |
| Net charge-offs to loans | 0.0193% | 1,469 |
| Credit loss provision to net charge-offs | 194.2308% | 826 |
| Earnings coverage of net charge-offs (x) | 97.4231% | 690 |
| Efficiency ratio | 61.3904% | 3,098 |
| Assets per employee ($millions) | 6.4036% | 2,525 |
| Cash dividends to net income (ytd only)* | 37.2187% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8647% | 3,800 |
| Loan loss allowance to noncurrent loans | 133.3191% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 1,344 |
| Noncurrent loans to loans | 0.6486% | 1,363 |
| Net loans and leases to total assets | 68.3300% | 1,982 |
| Net loans and leases to deposits | 88.2696% | 1,344 |
| Net loans and leases to core deposits | 95.4634% | 1,678 |
| Total domestic deposits to total assets | 77.4100% | 3,858 |
| Equity capital to assets | 9.5297% | 2,303 |
| Core capital (leverage) ratio | 8.4072% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9388% | 1,558 |
| Memoranda: | ||
| Average total assets | $1,602,092,500 | 701 |
| Average earning assets | $1,444,290,000 | 706 |
| Average equity | $148,929,500 | 715 |
| Average total loans | $1,075,078,000 | 716 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 4,134 |
| Cost of funding earning assets | 1.5147% | 1,912 |
| Net interest margin | 2.3275% | 4,241 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.1968% | 3,140 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 0.3306% | 3,983 |
| Return on assets (ROA) | 0.3306% | 3,983 |
| Pretax return on assets | 0.3687% | 4,006 |
| Return on Equity (ROE) | 3.7000% | 3,932 |
| Retained earnings to average equity (ytd only) | 0.0391% | 4,034 |
| Net charge-offs to loans | 0.0192% | 1,971 |
| Credit loss provision to net charge-offs | 2,043.2000% | 220 |
| Earnings coverage of net charge-offs (x) | 52.2400% | 1,268 |
| Efficiency ratio | 77.9085% | 1,078 |
| Assets per employee ($millions) | 6.0567% | 2,770 |
| Cash dividends to net income (ytd only)* | 98.9430% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 3,806 |
| Loan loss allowance to noncurrent loans | 215.3739% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 1,854 |
| Noncurrent loans to loans | 0.4041% | 1,775 |
| Net loans and leases to total assets | 64.7900% | 2,389 |
| Net loans and leases to deposits | 91.9946% | 1,096 |
| Net loans and leases to core deposits | 99.7591% | 1,452 |
| Total domestic deposits to total assets | 70.4300% | 4,275 |
| Equity capital to assets | 9.0716% | 2,623 |
| Core capital (leverage) ratio | 8.0274% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4921% | 1,688 |
| Memoranda: | ||
| Average total assets | $1,087,459,000 | 917 |
| Average earning assets | $995,882,400 | 911 |
| Average equity | $97,223,200 | 966 |
| Average total loans | $650,191,400 | 1,029 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6391% | 4,273 |
| Cost of funding earning assets | 1.3636% | 1,964 |
| Net interest margin | 2.2755% | 4,314 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.0840% | 3,393 |
| Loan and lease loss provision to assets | -0.0800% | 4,523 |
| Net operating income to assets | 0.6754% | 3,375 |
| Return on assets (ROA) | 0.6754% | 3,363 |
| Pretax return on assets | 0.8146% | 3,298 |
| Return on Equity (ROE) | 7.6000% | 3,289 |
| Retained earnings to average equity (ytd only) | 3.4011% | 3,416 |
| Net charge-offs to loans | -0.0073% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.0222% | 1,357 |
| Assets per employee ($millions) | 6.4027% | 2,397 |
| Cash dividends to net income (ytd only)* | 55.2648% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 2,891 |
| Loan loss allowance to noncurrent loans | 315.7513% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 2,160 |
| Noncurrent loans to loans | 0.3466% | 1,984 |
| Net loans and leases to total assets | 57.7300% | 3,050 |
| Net loans and leases to deposits | 85.8460% | 1,586 |
| Net loans and leases to core deposits | 88.1944% | 2,040 |
| Total domestic deposits to total assets | 67.2500% | 4,382 |
| Equity capital to assets | 8.7673% | 2,555 |
| Core capital (leverage) ratio | 10.5848% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $950,497,750 | 1,033 |
| Average earning assets | $876,160,750 | 1,026 |
| Average equity | $84,441,750 | 1,081 |
| Average total loans | $545,540,500 | 1,155 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 4,299 |
| Cost of funding earning assets | 1.2483% | 1,858 |
| Net interest margin | 2.3036% | 4,361 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.0250% | 3,535 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 0.7464% | 3,225 |
| Return on assets (ROA) | 0.7464% | 3,247 |
| Pretax return on assets | 0.9211% | 3,121 |
| Return on Equity (ROE) | 8.3700% | 3,147 |
| Retained earnings to average equity (ytd only) | 4.1932% | 3,160 |
| Net charge-offs to loans | -0.0155% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.8850% | 1,682 |
| Assets per employee ($millions) | 6.3338% | 2,444 |
| Cash dividends to net income (ytd only)* | 49.8730% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 2,753 |
| Loan loss allowance to noncurrent loans | 322.2793% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 2,174 |
| Noncurrent loans to loans | 0.3536% | 1,870 |
| Net loans and leases to total assets | 56.9400% | 3,053 |
| Net loans and leases to deposits | 82.5803% | 1,792 |
| Net loans and leases to core deposits | 84.6955% | 2,167 |
| Total domestic deposits to total assets | 68.9500% | 4,382 |
| Equity capital to assets | 8.9395% | 2,557 |
| Core capital (leverage) ratio | 10.6499% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $949,327,667 | 1,021 |
| Average earning assets | $875,252,667 | 1,023 |
| Average equity | $84,708,667 | 1,071 |
| Average total loans | $541,766,333 | 1,149 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4826% | 4,289 |
| Cost of funding earning assets | 1.1060% | 1,734 |
| Net interest margin | 2.3766% | 4,399 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.0258% | 3,568 |
| Loan and lease loss provision to assets | -0.1700% | 4,615 |
| Net operating income to assets | 0.8518% | 3,015 |
| Return on assets (ROA) | 0.8518% | 2,966 |
| Pretax return on assets | 1.0620% | 2,823 |
| Return on Equity (ROE) | 9.5500% | 2,914 |
| Retained earnings to average equity (ytd only) | 5.4131% | 2,917 |
| Net charge-offs to loans | -0.0357% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.5009% | 1,802 |
| Assets per employee ($millions) | 6.0981% | 2,681 |
| Cash dividends to net income (ytd only)* | 43.3466% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 2,769 |
| Loan loss allowance to noncurrent loans | 287.2545% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 1,965 |
| Noncurrent loans to loans | 0.4038% | 1,722 |
| Net loans and leases to total assets | 56.3300% | 3,021 |
| Net loans and leases to deposits | 79.2250% | 1,876 |
| Net loans and leases to core deposits | 81.2705% | 2,161 |
| Total domestic deposits to total assets | 71.1000% | 4,388 |
| Equity capital to assets | 9.2124% | 2,362 |
| Core capital (leverage) ratio | 10.6175% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $945,787,000 | 1,042 |
| Average earning assets | $872,679,000 | 1,039 |
| Average equity | $84,314,000 | 1,087 |
| Average total loans | $537,214,000 | 1,166 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0144% | 4,115 |
| Cost of funding earning assets | 0.4651% | 1,617 |
| Net interest margin | 2.5493% | 4,235 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 1.9924% | 3,596 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 1.1267% | 2,069 |
| Return on assets (ROA) | 1.0158% | 2,457 |
| Pretax return on assets | 1.1912% | 2,469 |
| Return on Equity (ROE) | 11.1900% | 2,409 |
| Retained earnings to average equity (ytd only) | 7.1573% | 2,174 |
| Net charge-offs to loans | 0.0095% | 2,021 |
| Credit loss provision to net charge-offs | -3,851.0638% | 4,701 |
| Earnings coverage of net charge-offs (x) | 228.0213% | 588 |
| Efficiency ratio | 63.7976% | 2,522 |
| Assets per employee ($millions) | 5.9137% | 2,836 |
| Cash dividends to net income (ytd only)* | 36.0474% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 1,614 |
| Loan loss allowance to noncurrent loans | 393.6723% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,189 |
| Noncurrent loans to loans | 0.3474% | 1,899 |
| Net loans and leases to total assets | 55.8400% | 3,045 |
| Net loans and leases to deposits | 76.8372% | 2,048 |
| Net loans and leases to core deposits | 78.5843% | 2,233 |
| Total domestic deposits to total assets | 72.6700% | 4,406 |
| Equity capital to assets | 8.6135% | 2,623 |
| Core capital (leverage) ratio | 10.5207% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $947,893,000 | 1,031 |
| Average earning assets | $873,163,800 | 1,022 |
| Average equity | $86,038,600 | 1,069 |
| Average total loans | $495,455,800 | 1,188 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9032% | 4,058 |
| Cost of funding earning assets | 0.3384% | 1,790 |
| Net interest margin | 2.5649% | 4,146 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 1.9475% | 3,633 |
| Loan and lease loss provision to assets | -0.1900% | 4,671 |
| Net operating income to assets | 1.1350% | 1,954 |
| Return on assets (ROA) | 0.9892% | 2,486 |
| Pretax return on assets | 1.1838% | 2,431 |
| Return on Equity (ROE) | 10.7600% | 2,481 |
| Retained earnings to average equity (ytd only) | 6.7963% | 2,450 |
| Net charge-offs to loans | 0.0090% | 1,791 |
| Credit loss provision to net charge-offs | -4,121.2121% | 4,751 |
| Earnings coverage of net charge-offs (x) | 251.7879% | 535 |
| Efficiency ratio | 62.5417% | 2,758 |
| Assets per employee ($millions) | 6.1234% | 2,650 |
| Cash dividends to net income (ytd only)* | 36.8526% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 1,274 |
| Loan loss allowance to noncurrent loans | 455.2028% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 2,378 |
| Noncurrent loans to loans | 0.3306% | 2,043 |
| Net loans and leases to total assets | 53.3900% | 3,152 |
| Net loans and leases to deposits | 72.7736% | 2,148 |
| Net loans and leases to core deposits | 74.7620% | 2,293 |
| Total domestic deposits to total assets | 73.3700% | 4,467 |
| Equity capital to assets | 8.2185% | 2,740 |
| Core capital (leverage) ratio | 10.2488% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $949,796,750 | 1,036 |
| Average earning assets | $874,771,500 | 1,031 |
| Average equity | $87,300,500 | 1,073 |
| Average total loans | $486,245,500 | 1,200 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7405% | 4,085 |
| Cost of funding earning assets | 0.2501% | 2,270 |
| Net interest margin | 2.4903% | 4,097 |
| Noninterest income to average assets | 0.7594% | 1,151 |
| Noninterest expense to average assets | 1.9448% | 3,586 |
| Loan and lease loss provision to assets | -0.0337% | 4,475 |
| Net operating income to assets | 0.9507% | 2,359 |
| Return on assets (ROA) | 0.9507% | 2,329 |
| Pretax return on assets | 1.1415% | 2,269 |
| Return on Equity (ROE) | 9.9912% | 2,341 |
| Retained earnings to average equity (ytd only) | 6.1748% | 2,281 |
| Net charge-offs to loans | 0.0071% | 1,735 |
| Credit loss provision to net charge-offs | -941.1765% | 3,526 |
| Earnings coverage of net charge-offs (x) | 309.5294% | 396 |
| Efficiency ratio | 63.7103% | 2,806 |
| Assets per employee ($millions) | 6.1640% | 2,603 |
| Cash dividends to net income (ytd only)* | 38.1975% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8052% | 811 |
| Loan loss allowance to noncurrent loans | 398.0009% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 2,135 |
| Noncurrent loans to loans | 0.4536% | 1,760 |
| Net loans and leases to total assets | 51.3387% | 3,231 |
| Net loans and leases to deposits | 68.3524% | 2,359 |
| Net loans and leases to core deposits | 70.3938% | 2,462 |
| Total domestic deposits to total assets | 75.1088% | 4,500 |
| Equity capital to assets | 8.7345% | 2,587 |
| Core capital (leverage) ratio | 10.2961% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $950,019,333 | 1,035 |
| Average earning assets | $874,819,333 | 1,041 |
| Average equity | $90,399,333 | 1,044 |
| Average total loans | $476,826,333 | 1,212 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6839% | 3,980 |
| Cost of funding earning assets | 0.2293% | 2,407 |
| Net interest margin | 2.4545% | 3,986 |
| Noninterest income to average assets | 0.8253% | 980 |
| Noninterest expense to average assets | 1.8784% | 3,730 |
| Loan and lease loss provision to assets | 0.0126% | 2,116 |
| Net operating income to assets | 1.0429% | 1,713 |
| Return on assets (ROA) | 1.0429% | 1,712 |
| Pretax return on assets | 1.2003% | 1,818 |
| Return on Equity (ROE) | 10.5287% | 1,790 |
| Retained earnings to average equity (ytd only) | 6.9087% | 1,920 |
| Net charge-offs to loans | 0.0060% | 1,535 |
| Credit loss provision to net charge-offs | 428.5714% | 564 |
| Earnings coverage of net charge-offs (x) | 411.7143% | 249 |
| Efficiency ratio | 60.7624% | 3,404 |
| Assets per employee ($millions) | 5.8410% | 2,958 |
| Cash dividends to net income (ytd only)* | 34.3826% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 642 |
| Loan loss allowance to noncurrent loans | 423.4397% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 2,286 |
| Noncurrent loans to loans | 0.4672% | 1,853 |
| Net loans and leases to total assets | 47.6627% | 3,421 |
| Net loans and leases to deposits | 62.9962% | 2,629 |
| Net loans and leases to core deposits | 65.0105% | 2,718 |
| Total domestic deposits to total assets | 75.6597% | 4,515 |
| Equity capital to assets | 9.3673% | 2,393 |
| Core capital (leverage) ratio | 10.2055% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $950,401,500 | 1,035 |
| Average earning assets | $877,393,500 | 1,042 |
| Average equity | $94,142,500 | 1,040 |
| Average total loans | $467,092,500 | 1,224 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8663% | 4,110 |
| Cost of funding earning assets | 0.2660% | 2,744 |
| Net interest margin | 2.6002% | 4,048 |
| Noninterest income to average assets | 0.8578% | 1,308 |
| Noninterest expense to average assets | 1.9756% | 3,752 |
| Loan and lease loss provision to assets | 0.0131% | 2,820 |
| Net operating income to assets | 1.0213% | 2,586 |
| Return on assets (ROA) | 1.0213% | 2,664 |
| Pretax return on assets | 1.2739% | 2,445 |
| Return on Equity (ROE) | 9.3065% | 2,785 |
| Retained earnings to average equity (ytd only) | 2.8198% | 3,719 |
| Net charge-offs to loans | 0.0216% | 1,833 |
| Credit loss provision to net charge-offs | 115.3846% | 1,676 |
| Earnings coverage of net charge-offs (x) | 113.0192% | 821 |
| Efficiency ratio | 60.5518% | 3,072 |
| Assets per employee ($millions) | 5.6809% | 3,083 |
| Cash dividends to net income (ytd only)* | 69.7009% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 674 |
| Loan loss allowance to noncurrent loans | 408.0393% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 2,378 |
| Noncurrent loans to loans | 0.4751% | 1,941 |
| Net loans and leases to total assets | 48.7079% | 3,433 |
| Net loans and leases to deposits | 65.7790% | 2,535 |
| Net loans and leases to core deposits | 67.8038% | 2,668 |
| Total domestic deposits to total assets | 74.0478% | 4,584 |
| Equity capital to assets | 10.4457% | 2,225 |
| Core capital (leverage) ratio | 9.9911% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $913,253,600 | 1,034 |
| Average earning assets | $844,621,400 | 1,040 |
| Average equity | $100,220,800 | 1,008 |
| Average total loans | $481,819,600 | 1,196 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8813% | 4,198 |
| Cost of funding earning assets | 0.2730% | 2,863 |
| Net interest margin | 2.6083% | 4,117 |
| Noninterest income to average assets | 0.8731% | 1,316 |
| Noninterest expense to average assets | 2.0127% | 3,634 |
| Loan and lease loss provision to assets | 0.0133% | 2,727 |
| Net operating income to assets | 1.0066% | 2,882 |
| Return on assets (ROA) | 1.0066% | 2,947 |
| Pretax return on assets | 1.2575% | 2,743 |
| Return on Equity (ROE) | 9.0584% | 3,092 |
| Retained earnings to average equity (ytd only) | 1.5641% | 4,302 |
| Net charge-offs to loans | 0.0234% | 1,571 |
| Credit loss provision to net charge-offs | 105.8824% | 1,543 |
| Earnings coverage of net charge-offs (x) | 101.4118% | 865 |
| Efficiency ratio | 61.2967% | 2,789 |
| Assets per employee ($millions) | 5.8193% | 2,870 |
| Cash dividends to net income (ytd only)* | 82.7329% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9017% | 766 |
| Loan loss allowance to noncurrent loans | 375.0514% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 2,508 |
| Noncurrent loans to loans | 0.5070% | 2,039 |
| Net loans and leases to total assets | 49.0236% | 3,523 |
| Net loans and leases to deposits | 66.1489% | 2,616 |
| Net loans and leases to core deposits | 68.1330% | 2,766 |
| Total domestic deposits to total assets | 74.1111% | 4,631 |
| Equity capital to assets | 10.3925% | 2,538 |
| Core capital (leverage) ratio | 10.0304% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $904,388,750 | 1,054 |
| Average earning assets | $835,773,500 | 1,060 |
| Average equity | $100,501,000 | 1,026 |
| Average total loans | $484,466,000 | 1,214 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9168% | 4,195 |
| Cost of funding earning assets | 0.2845% | 2,927 |
| Net interest margin | 2.6324% | 4,112 |
| Noninterest income to average assets | 0.8727% | 1,348 |
| Noninterest expense to average assets | 2.0122% | 3,662 |
| Loan and lease loss provision to assets | 0.0135% | 2,682 |
| Net operating income to assets | 1.0244% | 2,808 |
| Return on assets (ROA) | 1.0244% | 2,888 |
| Pretax return on assets | 1.2768% | 2,689 |
| Return on Equity (ROE) | 9.0074% | 3,095 |
| Retained earnings to average equity (ytd only) | 5.6681% | 2,934 |
| Net charge-offs to loans | 0.0226% | 1,493 |
| Credit loss provision to net charge-offs | 109.0909% | 1,311 |
| Earnings coverage of net charge-offs (x) | 103.9091% | 732 |
| Efficiency ratio | 60.9284% | 2,884 |
| Assets per employee ($millions) | 5.4694% | 3,164 |
| Cash dividends to net income (ytd only)* | 37.0730% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 707 |
| Loan loss allowance to noncurrent loans | 357.1429% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 2,525 |
| Noncurrent loans to loans | 0.5371% | 2,061 |
| Net loans and leases to total assets | 51.0783% | 3,442 |
| Net loans and leases to deposits | 67.7542% | 2,641 |
| Net loans and leases to core deposits | 69.8646% | 2,798 |
| Total domestic deposits to total assets | 75.3876% | 4,594 |
| Equity capital to assets | 11.0963% | 1,914 |
| Core capital (leverage) ratio | 10.5021% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $885,789,667 | 1,065 |
| Average earning assets | $817,666,333 | 1,068 |
| Average equity | $100,739,000 | 1,018 |
| Average total loans | $486,007,000 | 1,209 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0089% | 4,065 |
| Cost of funding earning assets | 0.2987% | 3,007 |
| Net interest margin | 2.7102% | 3,946 |
| Noninterest income to average assets | 0.9271% | 1,261 |
| Noninterest expense to average assets | 2.0633% | 3,527 |
| Loan and lease loss provision to assets | 0.0138% | 2,604 |
| Net operating income to assets | 1.0826% | 2,533 |
| Return on assets (ROA) | 1.0826% | 2,613 |
| Pretax return on assets | 1.3560% | 2,409 |
| Return on Equity (ROE) | 9.3993% | 2,894 |
| Retained earnings to average equity (ytd only) | 6.0936% | 2,859 |
| Net charge-offs to loans | 0.0106% | 1,547 |
| Credit loss provision to net charge-offs | 230.7692% | 842 |
| Earnings coverage of net charge-offs (x) | 229.6923% | 365 |
| Efficiency ratio | 60.1015% | 3,019 |
| Assets per employee ($millions) | 5.3143% | 3,319 |
| Cash dividends to net income (ytd only)* | 35.1695% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 790 |
| Loan loss allowance to noncurrent loans | 288.7800% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 2,383 |
| Noncurrent loans to loans | 0.6426% | 1,961 |
| Net loans and leases to total assets | 54.1289% | 3,227 |
| Net loans and leases to deposits | 71.5593% | 2,357 |
| Net loans and leases to core deposits | 73.5959% | 2,550 |
| Total domestic deposits to total assets | 75.6420% | 4,603 |
| Equity capital to assets | 11.2334% | 1,693 |
| Core capital (leverage) ratio | 10.8346% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $871,991,500 | 1,071 |
| Average earning assets | $806,275,000 | 1,073 |
| Average equity | $100,432,500 | 1,014 |
| Average total loans | $491,177,000 | 1,200 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4064% | 4,184 |
| Cost of funding earning assets | 0.4138% | 3,497 |
| Net interest margin | 2.9925% | 3,908 |
| Noninterest income to average assets | 1.0172% | 1,019 |
| Noninterest expense to average assets | 2.1636% | 3,772 |
| Loan and lease loss provision to assets | 0.1322% | 2,710 |
| Net operating income to assets | 1.2067% | 1,531 |
| Return on assets (ROA) | 1.2067% | 1,639 |
| Pretax return on assets | 1.4625% | 1,461 |
| Return on Equity (ROE) | 9.8033% | 2,075 |
| Retained earnings to average equity (ytd only) | 6.4171% | 1,626 |
| Net charge-offs to loans | -0.0023% | 3,998 |
| Credit loss provision to net charge-offs | -9,590.9091% | 4,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5679% | 3,783 |
| Assets per employee ($millions) | 4.9776% | 3,415 |
| Cash dividends to net income (ytd only)* | 34.5419% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8614% | 776 |
| Loan loss allowance to noncurrent loans | 317.5487% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 2,644 |
| Noncurrent loans to loans | 0.5862% | 2,233 |
| Net loans and leases to total assets | 56.4901% | 3,252 |
| Net loans and leases to deposits | 75.7993% | 2,301 |
| Net loans and leases to core deposits | 77.9626% | 2,554 |
| Total domestic deposits to total assets | 74.5259% | 4,610 |
| Equity capital to assets | 11.8157% | 1,670 |
| Core capital (leverage) ratio | 10.9955% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $797,745,600 | 1,057 |
| Average earning assets | $730,717,800 | 1,063 |
| Average equity | $98,191,400 | 973 |
| Average total loans | $485,319,200 | 1,170 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 4,233 |
| Cost of funding earning assets | 0.4393% | 3,587 |
| Net interest margin | 3.0424% | 3,880 |
| Noninterest income to average assets | 1.0073% | 1,013 |
| Noninterest expense to average assets | 2.2578% | 3,536 |
| Loan and lease loss provision to assets | 0.1087% | 2,962 |
| Net operating income to assets | 1.1774% | 1,717 |
| Return on assets (ROA) | 1.1774% | 1,839 |
| Pretax return on assets | 1.4283% | 1,639 |
| Return on Equity (ROE) | 9.4632% | 2,216 |
| Retained earnings to average equity (ytd only) | 6.0575% | 2,085 |
| Net charge-offs to loans | -0.0030% | 3,950 |
| Credit loss provision to net charge-offs | -5,818.1818% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4957% | 3,453 |
| Assets per employee ($millions) | 4.9709% | 3,283 |
| Cash dividends to net income (ytd only)* | 35.9896% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 779 |
| Loan loss allowance to noncurrent loans | 260.0837% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 2,549 |
| Noncurrent loans to loans | 0.6797% | 2,093 |
| Net loans and leases to total assets | 57.2436% | 3,500 |
| Net loans and leases to deposits | 77.4854% | 2,590 |
| Net loans and leases to core deposits | 79.6236% | 2,873 |
| Total domestic deposits to total assets | 73.8766% | 4,574 |
| Equity capital to assets | 11.7806% | 1,817 |
| Core capital (leverage) ratio | 11.0856% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $784,388,500 | 1,058 |
| Average earning assets | $718,712,500 | 1,063 |
| Average equity | $97,596,250 | 971 |
| Average total loans | $484,161,750 | 1,163 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6142% | 4,236 |
| Cost of funding earning assets | 0.4835% | 3,635 |
| Net interest margin | 3.1307% | 3,837 |
| Noninterest income to average assets | 0.9621% | 1,049 |
| Noninterest expense to average assets | 2.2841% | 3,561 |
| Loan and lease loss provision to assets | 0.0811% | 3,268 |
| Net operating income to assets | 1.2094% | 1,614 |
| Return on assets (ROA) | 1.2094% | 1,741 |
| Pretax return on assets | 1.4609% | 1,557 |
| Return on Equity (ROE) | 9.5333% | 2,130 |
| Retained earnings to average equity (ytd only) | 6.1148% | 2,023 |
| Net charge-offs to loans | 0.0025% | 2,917 |
| Credit loss provision to net charge-offs | 5,166.6667% | 230 |
| Earnings coverage of net charge-offs (x) | 982.0000% | 92 |
| Efficiency ratio | 59.6963% | 3,450 |
| Assets per employee ($millions) | 4.7939% | 3,421 |
| Cash dividends to net income (ytd only)* | 35.8580% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 841 |
| Loan loss allowance to noncurrent loans | 237.7133% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 2,511 |
| Noncurrent loans to loans | 0.7085% | 2,108 |
| Net loans and leases to total assets | 59.5164% | 3,372 |
| Net loans and leases to deposits | 80.4886% | 2,372 |
| Net loans and leases to core deposits | 82.8289% | 2,712 |
| Total domestic deposits to total assets | 73.9439% | 4,599 |
| Equity capital to assets | 12.0203% | 1,644 |
| Core capital (leverage) ratio | 11.4466% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $764,167,333 | 1,066 |
| Average earning assets | $699,078,000 | 1,077 |
| Average equity | $96,944,333 | 972 |
| Average total loans | $481,401,333 | 1,150 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 4,192 |
| Cost of funding earning assets | 0.5815% | 3,521 |
| Net interest margin | 3.2372% | 3,757 |
| Noninterest income to average assets | 0.9262% | 1,010 |
| Noninterest expense to average assets | 2.3510% | 3,645 |
| Loan and lease loss provision to assets | 0.0163% | 3,593 |
| Net operating income to assets | 1.2792% | 1,300 |
| Return on assets (ROA) | 1.2792% | 1,395 |
| Pretax return on assets | 1.5134% | 1,271 |
| Return on Equity (ROE) | 9.7974% | 1,811 |
| Retained earnings to average equity (ytd only) | 6.3818% | 1,756 |
| Net charge-offs to loans | -0.0245% | 4,403 |
| Credit loss provision to net charge-offs | -103.4483% | 3,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5823% | 3,668 |
| Assets per employee ($millions) | 4.3972% | 3,409 |
| Cash dividends to net income (ytd only)* | 34.8620% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 856 |
| Loan loss allowance to noncurrent loans | 243.7800% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 2,586 |
| Noncurrent loans to loans | 0.7033% | 2,241 |
| Net loans and leases to total assets | 63.3352% | 3,146 |
| Net loans and leases to deposits | 86.5140% | 1,926 |
| Net loans and leases to core deposits | 89.2057% | 2,425 |
| Total domestic deposits to total assets | 73.2080% | 4,712 |
| Equity capital to assets | 13.1936% | 1,345 |
| Core capital (leverage) ratio | 12.1197% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $736,373,500 | 1,064 |
| Average earning assets | $672,068,500 | 1,075 |
| Average equity | $96,148,000 | 974 |
| Average total loans | $473,978,500 | 1,140 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 4,343 |
| Cost of funding earning assets | 0.7082% | 3,125 |
| Net interest margin | 3.2455% | 4,092 |
| Noninterest income to average assets | 0.9457% | 1,078 |
| Noninterest expense to average assets | 2.3603% | 3,806 |
| Loan and lease loss provision to assets | 0.1304% | 1,641 |
| Net operating income to assets | 1.1947% | 2,081 |
| Return on assets (ROA) | 1.1887% | 2,197 |
| Pretax return on assets | 1.3984% | 2,167 |
| Return on Equity (ROE) | 9.4358% | 2,551 |
| Retained earnings to average equity (ytd only) | 5.8834% | 1,930 |
| Net charge-offs to loans | 0.0313% | 2,764 |
| Credit loss provision to net charge-offs | 632.4503% | 492 |
| Earnings coverage of net charge-offs (x) | 74.5033% | 842 |
| Efficiency ratio | 60.5803% | 3,607 |
| Assets per employee ($millions) | 4.3954% | 3,379 |
| Cash dividends to net income (ytd only)* | 37.6479% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 808 |
| Loan loss allowance to noncurrent loans | 226.2995% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 2,415 |
| Noncurrent loans to loans | 0.7496% | 2,011 |
| Net loans and leases to total assets | 63.2029% | 3,295 |
| Net loans and leases to deposits | 87.9599% | 1,850 |
| Net loans and leases to core deposits | 90.6388% | 2,362 |
| Total domestic deposits to total assets | 71.8542% | 4,873 |
| Equity capital to assets | 12.9211% | 1,569 |
| Core capital (leverage) ratio | 11.7813% | 1,903 |
| Tier 1 risk-based capital ratio | 20.3354% | 1,270 |
| Total risk-based capital ratio | 21.5932% | 1,244 |
| Memoranda: | ||
| Average total assets | $732,490,800 | 1,035 |
| Average earning assets | $665,900,800 | 1,039 |
| Average equity | $92,275,800 | 958 |
| Average total loans | $482,217,400 | 1,111 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 4,442 |
| Cost of funding earning assets | 0.7188% | 3,116 |
| Net interest margin | 3.2398% | 4,212 |
| Noninterest income to average assets | 0.9576% | 1,028 |
| Noninterest expense to average assets | 2.3612% | 3,793 |
| Loan and lease loss provision to assets | 0.0653% | 2,586 |
| Net operating income to assets | 1.2492% | 2,021 |
| Return on assets (ROA) | 1.2412% | 2,127 |
| Pretax return on assets | 1.4613% | 2,072 |
| Return on Equity (ROE) | 9.9169% | 2,467 |
| Retained earnings to average equity (ytd only) | 6.3378% | 2,205 |
| Net charge-offs to loans | 0.0270% | 2,553 |
| Credit loss provision to net charge-offs | 365.3061% | 825 |
| Earnings coverage of net charge-offs (x) | 85.9410% | 817 |
| Efficiency ratio | 60.5859% | 3,526 |
| Assets per employee ($millions) | 4.4341% | 3,302 |
| Cash dividends to net income (ytd only)* | 36.0910% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,086 |
| Loan loss allowance to noncurrent loans | 158.7738% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6354% | 2,096 |
| Noncurrent loans to loans | 0.9831% | 1,629 |
| Net loans and leases to total assets | 62.8322% | 3,405 |
| Net loans and leases to deposits | 88.3003% | 1,894 |
| Net loans and leases to core deposits | 91.6362% | 2,398 |
| Total domestic deposits to total assets | 71.1575% | 4,953 |
| Equity capital to assets | 12.5042% | 1,909 |
| Core capital (leverage) ratio | 11.8293% | 1,977 |
| Tier 1 risk-based capital ratio | 19.9421% | 1,367 |
| Total risk-based capital ratio | 21.1982% | 1,342 |
| Memoranda: | ||
| Average total assets | $731,008,750 | 1,040 |
| Average earning assets | $663,308,500 | 1,046 |
| Average equity | $91,491,750 | 962 |
| Average total loans | $484,082,750 | 1,111 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 4,435 |
| Cost of funding earning assets | 0.7198% | 3,050 |
| Net interest margin | 3.2500% | 4,239 |
| Noninterest income to average assets | 0.9593% | 956 |
| Noninterest expense to average assets | 2.4028% | 3,727 |
| Loan and lease loss provision to assets | 0.0166% | 3,455 |
| Net operating income to assets | 1.2547% | 1,938 |
| Return on assets (ROA) | 1.2424% | 2,045 |
| Pretax return on assets | 1.4680% | 1,963 |
| Return on Equity (ROE) | 9.9238% | 2,428 |
| Retained earnings to average equity (ytd only) | 6.3178% | 2,132 |
| Net charge-offs to loans | 0.0016% | 3,122 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 1,355.5000% | 52 |
| Efficiency ratio | 61.5815% | 3,493 |
| Assets per employee ($millions) | 4.2227% | 3,541 |
| Cash dividends to net income (ytd only)* | 36.3373% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 1,238 |
| Loan loss allowance to noncurrent loans | 168.1860% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 2,173 |
| Noncurrent loans to loans | 0.8988% | 1,816 |
| Net loans and leases to total assets | 65.5379% | 3,163 |
| Net loans and leases to deposits | 89.7712% | 1,764 |
| Net loans and leases to core deposits | 92.5187% | 2,364 |
| Total domestic deposits to total assets | 73.0054% | 4,907 |
| Equity capital to assets | 12.7568% | 1,717 |
| Core capital (leverage) ratio | 11.9374% | 1,863 |
| Tier 1 risk-based capital ratio | 19.6180% | 1,416 |
| Total risk-based capital ratio | 20.8736% | 1,390 |
| Memoranda: | ||
| Average total assets | $723,410,330 | 1,048 |
| Average earning assets | $654,947,330 | 1,058 |
| Average equity | $90,570,000 | 968 |
| Average total loans | $485,063,000 | 1,110 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 4,382 |
| Cost of funding earning assets | 0.7175% | 2,958 |
| Net interest margin | 3.2746% | 4,219 |
| Noninterest income to average assets | 0.8698% | 1,119 |
| Noninterest expense to average assets | 2.4877% | 3,542 |
| Loan and lease loss provision to assets | 0.0166% | 3,218 |
| Net operating income to assets | 1.1358% | 2,327 |
| Return on assets (ROA) | 1.1358% | 2,377 |
| Pretax return on assets | 1.3292% | 2,335 |
| Return on Equity (ROE) | 9.1591% | 2,730 |
| Retained earnings to average equity (ytd only) | 5.5535% | 2,668 |
| Net charge-offs to loans | 0.0123% | 2,253 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 161.9333% | 472 |
| Efficiency ratio | 64.8938% | 3,100 |
| Assets per employee ($millions) | 4.1965% | 3,632 |
| Cash dividends to net income (ytd only)* | 39.3659% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,347 |
| Loan loss allowance to noncurrent loans | 202.0862% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 2,464 |
| Noncurrent loans to loans | 0.7412% | 2,170 |
| Net loans and leases to total assets | 66.1924% | 3,024 |
| Net loans and leases to deposits | 90.2462% | 1,596 |
| Net loans and leases to core deposits | 92.9406% | 2,217 |
| Total domestic deposits to total assets | 73.3465% | 4,976 |
| Equity capital to assets | 12.5385% | 1,715 |
| Core capital (leverage) ratio | 11.8189% | 1,893 |
| Tier 1 risk-based capital ratio | 19.3217% | 1,478 |
| Total risk-based capital ratio | 20.5770% | 1,449 |
| Memoranda: | ||
| Average total assets | $721,964,500 | 1,051 |
| Average earning assets | $653,384,500 | 1,068 |
| Average equity | $89,528,500 | 968 |
| Average total loans | $485,940,000 | 1,106 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7870% | 4,521 |
| Cost of funding earning assets | 0.5908% | 2,787 |
| Net interest margin | 3.1962% | 4,493 |
| Noninterest income to average assets | 0.8901% | 1,200 |
| Noninterest expense to average assets | 2.3815% | 3,934 |
| Loan and lease loss provision to assets | 0.0864% | 2,413 |
| Net operating income to assets | 1.1337% | 2,459 |
| Return on assets (ROA) | 1.1337% | 2,458 |
| Pretax return on assets | 1.3276% | 2,407 |
| Return on Equity (ROE) | 9.4769% | 2,758 |
| Retained earnings to average equity (ytd only) | 5.7311% | 2,337 |
| Net charge-offs to loans | 0.0572% | 2,321 |
| Credit loss provision to net charge-offs | 228.7823% | 1,286 |
| Earnings coverage of net charge-offs (x) | 37.4354% | 1,380 |
| Efficiency ratio | 62.6161% | 3,414 |
| Assets per employee ($millions) | 4.2230% | 3,581 |
| Cash dividends to net income (ytd only)* | 39.5254% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 1,332 |
| Loan loss allowance to noncurrent loans | 197.1180% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 2,475 |
| Noncurrent loans to loans | 0.7555% | 2,114 |
| Net loans and leases to total assets | 66.4131% | 3,068 |
| Net loans and leases to deposits | 92.7577% | 1,431 |
| Net loans and leases to core deposits | 95.8049% | 2,079 |
| Total domestic deposits to total assets | 71.5984% | 5,098 |
| Equity capital to assets | 12.2629% | 1,720 |
| Core capital (leverage) ratio | 11.1529% | 2,395 |
| Tier 1 risk-based capital ratio | 18.2487% | 1,677 |
| Total risk-based capital ratio | 19.5039% | 1,630 |
| Memoranda: | ||
| Average total assets | $717,456,200 | 1,041 |
| Average earning assets | $652,173,800 | 1,051 |
| Average equity | $85,829,600 | 974 |
| Average total loans | $473,647,400 | 1,102 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7367% | 4,577 |
| Cost of funding earning assets | 0.5635% | 2,753 |
| Net interest margin | 3.1732% | 4,566 |
| Noninterest income to average assets | 0.8959% | 1,216 |
| Noninterest expense to average assets | 2.3698% | 3,926 |
| Loan and lease loss provision to assets | 0.0168% | 3,679 |
| Net operating income to assets | 1.1758% | 2,335 |
| Return on assets (ROA) | 1.1758% | 2,339 |
| Pretax return on assets | 1.3940% | 2,248 |
| Return on Equity (ROE) | 9.8915% | 2,667 |
| Retained earnings to average equity (ytd only) | 6.1225% | 2,597 |
| Net charge-offs to loans | 0.0539% | 2,047 |
| Credit loss provision to net charge-offs | 47.3684% | 2,853 |
| Earnings coverage of net charge-offs (x) | 39.8890% | 1,362 |
| Efficiency ratio | 62.5505% | 3,420 |
| Assets per employee ($millions) | 4.2528% | 3,501 |
| Cash dividends to net income (ytd only)* | 38.1035% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 1,631 |
| Loan loss allowance to noncurrent loans | 255.1595% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 3,158 |
| Noncurrent loans to loans | 0.5562% | 2,715 |
| Net loans and leases to total assets | 65.3338% | 3,270 |
| Net loans and leases to deposits | 88.8522% | 2,040 |
| Net loans and leases to core deposits | 91.6761% | 2,514 |
| Total domestic deposits to total assets | 73.5309% | 5,021 |
| Equity capital to assets | 11.9586% | 1,937 |
| Core capital (leverage) ratio | 11.4233% | 2,229 |
| Tier 1 risk-based capital ratio | 18.8210% | 1,582 |
| Total risk-based capital ratio | 20.0750% | 1,554 |
| Memoranda: | ||
| Average total assets | $716,288,000 | 1,036 |
| Average earning assets | $651,142,250 | 1,051 |
| Average equity | $85,148,500 | 979 |
| Average total loans | $470,349,750 | 1,110 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6609% | 4,663 |
| Cost of funding earning assets | 0.5365% | 2,722 |
| Net interest margin | 3.1245% | 4,677 |
| Noninterest income to average assets | 0.8758% | 1,251 |
| Noninterest expense to average assets | 2.3317% | 4,068 |
| Loan and lease loss provision to assets | 0.0168% | 3,556 |
| Net operating income to assets | 1.1430% | 2,419 |
| Return on assets (ROA) | 1.1430% | 2,427 |
| Pretax return on assets | 1.3657% | 2,274 |
| Return on Equity (ROE) | 9.6350% | 2,746 |
| Retained earnings to average equity (ytd only) | 5.8622% | 2,634 |
| Net charge-offs to loans | 0.0723% | 1,613 |
| Credit loss provision to net charge-offs | 35.5030% | 2,599 |
| Earnings coverage of net charge-offs (x) | 29.2071% | 1,530 |
| Efficiency ratio | 62.6423% | 3,540 |
| Assets per employee ($millions) | 4.2429% | 3,512 |
| Cash dividends to net income (ytd only)* | 39.1571% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,685 |
| Loan loss allowance to noncurrent loans | 304.8474% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 3,346 |
| Noncurrent loans to loans | 0.4654% | 3,038 |
| Net loans and leases to total assets | 65.4287% | 3,221 |
| Net loans and leases to deposits | 89.0653% | 1,968 |
| Net loans and leases to core deposits | 92.0266% | 2,396 |
| Total domestic deposits to total assets | 73.4615% | 5,089 |
| Equity capital to assets | 11.8374% | 1,966 |
| Core capital (leverage) ratio | 11.3804% | 2,177 |
| Tier 1 risk-based capital ratio | 18.0575% | 1,783 |
| Total risk-based capital ratio | 19.3111% | 1,747 |
| Memoranda: | ||
| Average total assets | $714,058,000 | 1,044 |
| Average earning assets | $648,687,000 | 1,055 |
| Average equity | $84,712,000 | 979 |
| Average total loans | $467,416,670 | 1,116 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 4,660 |
| Cost of funding earning assets | 0.5115% | 2,711 |
| Net interest margin | 3.1082% | 4,693 |
| Noninterest income to average assets | 0.8755% | 1,218 |
| Noninterest expense to average assets | 2.3647% | 4,032 |
| Loan and lease loss provision to assets | 0.0169% | 3,316 |
| Net operating income to assets | 1.1328% | 2,276 |
| Return on assets (ROA) | 1.1328% | 2,292 |
| Pretax return on assets | 1.3231% | 2,277 |
| Return on Equity (ROE) | 9.5381% | 2,664 |
| Retained earnings to average equity (ytd only) | 5.7978% | 2,813 |
| Net charge-offs to loans | 0.0485% | 1,621 |
| Credit loss provision to net charge-offs | 53.5714% | 1,923 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 1,037 |
| Efficiency ratio | 63.6930% | 3,525 |
| Assets per employee ($millions) | 4.1670% | 3,704 |
| Cash dividends to net income (ytd only)* | 39.2147% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,524 |
| Loan loss allowance to noncurrent loans | 327.3810% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 3,656 |
| Noncurrent loans to loans | 0.4528% | 3,179 |
| Net loans and leases to total assets | 64.1209% | 3,287 |
| Net loans and leases to deposits | 86.1867% | 2,143 |
| Net loans and leases to core deposits | 89.3935% | 2,504 |
| Total domestic deposits to total assets | 74.3977% | 5,114 |
| Equity capital to assets | 11.8319% | 1,894 |
| Core capital (leverage) ratio | 11.3720% | 2,104 |
| Tier 1 risk-based capital ratio | 18.3578% | 1,730 |
| Total risk-based capital ratio | 19.6123% | 1,695 |
| Memoranda: | ||
| Average total assets | $710,441,500 | 1,055 |
| Average earning assets | $646,670,500 | 1,068 |
| Average equity | $84,377,000 | 990 |
| Average total loans | $461,763,500 | 1,133 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 4,681 |
| Cost of funding earning assets | 0.4321% | 2,940 |
| Net interest margin | 3.1240% | 4,641 |
| Noninterest income to average assets | 0.8999% | 1,269 |
| Noninterest expense to average assets | 2.2657% | 4,413 |
| Loan and lease loss provision to assets | 0.0674% | 2,852 |
| Net operating income to assets | 0.9886% | 2,298 |
| Return on assets (ROA) | 0.9321% | 2,570 |
| Pretax return on assets | 1.3317% | 2,241 |
| Return on Equity (ROE) | 7.8036% | 2,885 |
| Retained earnings to average equity (ytd only) | 4.0422% | 2,757 |
| Net charge-offs to loans | 0.0126% | 3,644 |
| Credit loss provision to net charge-offs | 824.5614% | 418 |
| Earnings coverage of net charge-offs (x) | 181.1404% | 426 |
| Efficiency ratio | 60.1133% | 4,248 |
| Assets per employee ($millions) | 4.1423% | 3,757 |
| Cash dividends to net income (ytd only)* | 48.2011% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 1,404 |
| Loan loss allowance to noncurrent loans | 312.8286% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 3,586 |
| Noncurrent loans to loans | 0.4798% | 3,074 |
| Net loans and leases to total assets | 63.9329% | 3,373 |
| Net loans and leases to deposits | 86.9186% | 2,142 |
| Net loans and leases to core deposits | 90.1462% | 2,557 |
| Total domestic deposits to total assets | 73.5548% | 5,223 |
| Equity capital to assets | 11.9218% | 1,892 |
| Core capital (leverage) ratio | 11.1282% | 2,217 |
| Tier 1 risk-based capital ratio | 18.5892% | 1,623 |
| Total risk-based capital ratio | 19.8442% | 1,571 |
| Memoranda: | ||
| Average total assets | $697,750,200 | 1,047 |
| Average earning assets | $635,562,800 | 1,063 |
| Average equity | $83,346,600 | 972 |
| Average total loans | $453,436,200 | 1,120 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5328% | 4,737 |
| Cost of funding earning assets | 0.4159% | 3,032 |
| Net interest margin | 3.1169% | 4,667 |
| Noninterest income to average assets | 0.8892% | 1,303 |
| Noninterest expense to average assets | 2.2751% | 4,361 |
| Loan and lease loss provision to assets | 0.0173% | 3,799 |
| Net operating income to assets | 1.1089% | 2,047 |
| Return on assets (ROA) | 1.0569% | 2,337 |
| Pretax return on assets | 1.3669% | 2,230 |
| Return on Equity (ROE) | 8.8435% | 2,699 |
| Retained earnings to average equity (ytd only) | 5.0782% | 2,836 |
| Net charge-offs to loans | -0.0009% | 4,263 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6619% | 4,100 |
| Assets per employee ($millions) | 4.1995% | 3,646 |
| Cash dividends to net income (ytd only)* | 42.5771% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,748 |
| Loan loss allowance to noncurrent loans | 311.7480% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 3,861 |
| Noncurrent loans to loans | 0.4612% | 3,318 |
| Net loans and leases to total assets | 62.8206% | 3,565 |
| Net loans and leases to deposits | 86.4491% | 2,246 |
| Net loans and leases to core deposits | 89.7472% | 2,631 |
| Total domestic deposits to total assets | 72.6677% | 5,341 |
| Equity capital to assets | 11.8409% | 2,082 |
| Core capital (leverage) ratio | 11.1889% | 2,286 |
| Tier 1 risk-based capital ratio | 18.6986% | 1,678 |
| Total risk-based capital ratio | 19.9527% | 1,624 |
| Memoranda: | ||
| Average total assets | $695,106,250 | 1,057 |
| Average earning assets | $632,800,000 | 1,068 |
| Average equity | $83,072,000 | 979 |
| Average total loans | $451,856,750 | 1,125 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5250% | 4,699 |
| Cost of funding earning assets | 0.3975% | 3,102 |
| Net interest margin | 3.1275% | 4,610 |
| Noninterest income to average assets | 0.8853% | 1,317 |
| Noninterest expense to average assets | 2.2757% | 4,417 |
| Loan and lease loss provision to assets | 0.0175% | 3,614 |
| Net operating income to assets | 1.1197% | 1,890 |
| Return on assets (ROA) | 1.0398% | 2,290 |
| Pretax return on assets | 1.3374% | 2,246 |
| Return on Equity (ROE) | 8.6728% | 2,682 |
| Retained earnings to average equity (ytd only) | 4.8969% | 2,777 |
| Net charge-offs to loans | 0.0013% | 3,476 |
| Credit loss provision to net charge-offs | 2,000.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 1,669.6667% | 32 |
| Efficiency ratio | 60.5721% | 4,228 |
| Assets per employee ($millions) | 4.0966% | 3,795 |
| Cash dividends to net income (ytd only)* | 43.5367% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,811 |
| Loan loss allowance to noncurrent loans | 353.2110% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 4,021 |
| Noncurrent loans to loans | 0.4051% | 3,576 |
| Net loans and leases to total assets | 64.7471% | 3,284 |
| Net loans and leases to deposits | 87.0385% | 2,100 |
| Net loans and leases to core deposits | 90.1517% | 2,512 |
| Total domestic deposits to total assets | 74.3890% | 5,260 |
| Equity capital to assets | 12.0566% | 1,894 |
| Core capital (leverage) ratio | 11.2481% | 2,183 |
| Tier 1 risk-based capital ratio | 18.4330% | 1,735 |
| Total risk-based capital ratio | 19.6871% | 1,695 |
| Memoranda: | ||
| Average total assets | $687,435,000 | 1,065 |
| Average earning assets | $625,927,670 | 1,078 |
| Average equity | $82,418,670 | 991 |
| Average total loans | $449,906,330 | 1,133 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 4,764 |
| Cost of funding earning assets | 0.3803% | 3,202 |
| Net interest margin | 3.0950% | 4,661 |
| Noninterest income to average assets | 0.8657% | 1,345 |
| Noninterest expense to average assets | 2.2760% | 4,473 |
| Loan and lease loss provision to assets | 0.0176% | 3,346 |
| Net operating income to assets | 1.1012% | 1,861 |
| Return on assets (ROA) | 0.9383% | 2,627 |
| Pretax return on assets | 1.1831% | 2,666 |
| Return on Equity (ROE) | 7.8485% | 2,996 |
| Retained earnings to average equity (ytd only) | 4.0908% | 3,414 |
| Net charge-offs to loans | 0.0170% | 2,450 |
| Credit loss provision to net charge-offs | 157.8947% | 1,173 |
| Earnings coverage of net charge-offs (x) | 126.4211% | 433 |
| Efficiency ratio | 61.4027% | 4,242 |
| Assets per employee ($millions) | 4.1968% | 3,666 |
| Cash dividends to net income (ytd only)* | 47.8777% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 1,907 |
| Loan loss allowance to noncurrent loans | 338.1374% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 4,031 |
| Noncurrent loans to loans | 0.4256% | 3,568 |
| Net loans and leases to total assets | 63.8836% | 3,296 |
| Net loans and leases to deposits | 84.3380% | 2,247 |
| Net loans and leases to core deposits | 87.4414% | 2,600 |
| Total domestic deposits to total assets | 75.7472% | 5,256 |
| Equity capital to assets | 11.7959% | 1,970 |
| Core capital (leverage) ratio | 11.2738% | 2,125 |
| Tier 1 risk-based capital ratio | 18.2109% | 1,802 |
| Total risk-based capital ratio | 19.4649% | 1,774 |
| Memoranda: | ||
| Average total assets | $682,944,500 | 1,074 |
| Average earning assets | $621,646,000 | 1,086 |
| Average equity | $81,646,000 | 995 |
| Average total loans | $446,132,500 | 1,140 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 4,811 |
| Cost of funding earning assets | 0.3540% | 3,474 |
| Net interest margin | 3.1352% | 4,629 |
| Noninterest income to average assets | 0.9432% | 1,286 |
| Noninterest expense to average assets | 2.3867% | 4,330 |
| Loan and lease loss provision to assets | 0.0333% | 3,693 |
| Net operating income to assets | 1.0780% | 1,999 |
| Return on assets (ROA) | 1.0780% | 2,100 |
| Pretax return on assets | 1.3836% | 2,002 |
| Return on Equity (ROE) | 8.8390% | 2,496 |
| Retained earnings to average equity (ytd only) | 5.0269% | 2,328 |
| Net charge-offs to loans | 0.0211% | 3,628 |
| Credit loss provision to net charge-offs | 241.7582% | 1,202 |
| Earnings coverage of net charge-offs (x) | 102.7802% | 590 |
| Efficiency ratio | 62.0838% | 4,230 |
| Assets per employee ($millions) | 3.9835% | 3,993 |
| Cash dividends to net income (ytd only)* | 43.1282% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 1,789 |
| Loan loss allowance to noncurrent loans | 324.7247% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 4,031 |
| Noncurrent loans to loans | 0.4534% | 3,526 |
| Net loans and leases to total assets | 64.8846% | 3,235 |
| Net loans and leases to deposits | 86.1983% | 2,139 |
| Net loans and leases to core deposits | 89.2908% | 2,570 |
| Total domestic deposits to total assets | 75.2736% | 5,321 |
| Equity capital to assets | 12.1206% | 1,729 |
| Core capital (leverage) ratio | 11.2861% | 2,094 |
| Tier 1 risk-based capital ratio | 18.5910% | 1,702 |
| Total risk-based capital ratio | 19.8458% | 1,670 |
| Memoranda: | ||
| Average total assets | $660,104,200 | 1,076 |
| Average earning assets | $602,261,200 | 1,083 |
| Average equity | $80,507,200 | 982 |
| Average total loans | $431,979,000 | 1,131 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 4,849 |
| Cost of funding earning assets | 0.3495% | 3,547 |
| Net interest margin | 3.1352% | 4,685 |
| Noninterest income to average assets | 0.9354% | 1,293 |
| Noninterest expense to average assets | 2.3955% | 4,290 |
| Loan and lease loss provision to assets | 0.0182% | 3,881 |
| Net operating income to assets | 1.0793% | 2,084 |
| Return on assets (ROA) | 1.0793% | 2,190 |
| Pretax return on assets | 1.3855% | 2,098 |
| Return on Equity (ROE) | 8.8355% | 2,583 |
| Retained earnings to average equity (ytd only) | 5.0192% | 2,811 |
| Net charge-offs to loans | 0.0112% | 3,540 |
| Credit loss provision to net charge-offs | 250.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 192.3842% | 383 |
| Efficiency ratio | 62.3846% | 4,161 |
| Assets per employee ($millions) | 4.0762% | 3,830 |
| Cash dividends to net income (ytd only)* | 43.1925% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 1,886 |
| Loan loss allowance to noncurrent loans | 316.2229% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 4,203 |
| Noncurrent loans to loans | 0.4649% | 3,620 |
| Net loans and leases to total assets | 63.5238% | 3,459 |
| Net loans and leases to deposits | 85.9461% | 2,265 |
| Net loans and leases to core deposits | 89.6554% | 2,606 |
| Total domestic deposits to total assets | 73.9113% | 5,444 |
| Equity capital to assets | 12.1032% | 2,038 |
| Core capital (leverage) ratio | 11.2084% | 2,264 |
| Tier 1 risk-based capital ratio | 18.3861% | 1,811 |
| Total risk-based capital ratio | 19.6406% | 1,777 |
| Memoranda: | ||
| Average total assets | $657,824,250 | 1,079 |
| Average earning assets | $600,907,250 | 1,089 |
| Average equity | $80,355,500 | 989 |
| Average total loans | $429,796,000 | 1,136 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 4,876 |
| Cost of funding earning assets | 0.3449% | 3,623 |
| Net interest margin | 3.1509% | 4,687 |
| Noninterest income to average assets | 0.9141% | 1,331 |
| Noninterest expense to average assets | 2.4198% | 4,273 |
| Loan and lease loss provision to assets | 0.0184% | 3,764 |
| Net operating income to assets | 1.0661% | 2,102 |
| Return on assets (ROA) | 1.0661% | 2,225 |
| Pretax return on assets | 1.3589% | 2,173 |
| Return on Equity (ROE) | 8.6997% | 2,635 |
| Retained earnings to average equity (ytd only) | 4.8646% | 2,814 |
| Net charge-offs to loans | 0.0178% | 3,149 |
| Credit loss provision to net charge-offs | 157.8947% | 1,537 |
| Earnings coverage of net charge-offs (x) | 118.0789% | 494 |
| Efficiency ratio | 63.0558% | 4,166 |
| Assets per employee ($millions) | 3.9877% | 3,929 |
| Cash dividends to net income (ytd only)* | 44.0829% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,938 |
| Loan loss allowance to noncurrent loans | 312.1820% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 4,221 |
| Noncurrent loans to loans | 0.4743% | 3,661 |
| Net loans and leases to total assets | 63.7559% | 3,402 |
| Net loans and leases to deposits | 85.3267% | 2,317 |
| Net loans and leases to core deposits | 88.9226% | 2,645 |
| Total domestic deposits to total assets | 74.7198% | 5,444 |
| Equity capital to assets | 12.1554% | 2,011 |
| Core capital (leverage) ratio | 11.3114% | 2,140 |
| Tier 1 risk-based capital ratio | 19.1285% | 1,660 |
| Total risk-based capital ratio | 20.3840% | 1,631 |
| Memoranda: | ||
| Average total assets | $651,548,000 | 1,092 |
| Average earning assets | $596,141,670 | 1,103 |
| Average equity | $79,841,670 | 994 |
| Average total loans | $427,645,000 | 1,141 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5332% | 4,805 |
| Cost of funding earning assets | 0.3419% | 3,692 |
| Net interest margin | 3.1913% | 4,611 |
| Noninterest income to average assets | 0.8927% | 1,332 |
| Noninterest expense to average assets | 2.4701% | 4,165 |
| Loan and lease loss provision to assets | 0.0186% | 3,446 |
| Net operating income to assets | 1.0404% | 2,118 |
| Return on assets (ROA) | 1.0404% | 2,236 |
| Pretax return on assets | 1.3303% | 2,180 |
| Return on Equity (ROE) | 8.4553% | 2,679 |
| Retained earnings to average equity (ytd only) | 4.6060% | 3,171 |
| Net charge-offs to loans | 0.0300% | 2,348 |
| Credit loss provision to net charge-offs | 93.7500% | 1,728 |
| Earnings coverage of net charge-offs (x) | 67.9063% | 717 |
| Efficiency ratio | 63.9954% | 4,125 |
| Assets per employee ($millions) | 3.8879% | 4,145 |
| Cash dividends to net income (ytd only)* | 45.5251% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 2,055 |
| Loan loss allowance to noncurrent loans | 305.6250% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 4,241 |
| Noncurrent loans to loans | 0.4859% | 3,723 |
| Net loans and leases to total assets | 65.3479% | 3,055 |
| Net loans and leases to deposits | 86.2046% | 2,043 |
| Net loans and leases to core deposits | 89.9701% | 2,376 |
| Total domestic deposits to total assets | 75.8056% | 5,425 |
| Equity capital to assets | 12.3350% | 1,794 |
| Core capital (leverage) ratio | 11.2451% | 2,190 |
| Tier 1 risk-based capital ratio | 18.4516% | 1,867 |
| Total risk-based capital ratio | 19.7065% | 1,823 |
| Memoranda: | ||
| Average total assets | $644,346,000 | 1,099 |
| Average earning assets | $590,859,000 | 1,108 |
| Average equity | $79,288,000 | 1,001 |
| Average total loans | $425,985,000 | 1,143 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5129% | 4,886 |
| Cost of funding earning assets | 0.3225% | 3,998 |
| Net interest margin | 3.1904% | 4,661 |
| Noninterest income to average assets | 0.9673% | 1,267 |
| Noninterest expense to average assets | 2.4290% | 4,441 |
| Loan and lease loss provision to assets | 0.0621% | 3,059 |
| Net operating income to assets | 1.0789% | 2,008 |
| Return on assets (ROA) | 1.0789% | 2,081 |
| Pretax return on assets | 1.3924% | 1,930 |
| Return on Equity (ROE) | 8.8246% | 2,541 |
| Retained earnings to average equity (ytd only) | 4.9255% | 2,473 |
| Net charge-offs to loans | 0.0705% | 2,835 |
| Credit loss provision to net charge-offs | 136.4261% | 1,918 |
| Earnings coverage of net charge-offs (x) | 31.9485% | 1,393 |
| Efficiency ratio | 61.6042% | 4,675 |
| Assets per employee ($millions) | 3.8065% | 4,276 |
| Cash dividends to net income (ytd only)* | 44.1850% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 2,008 |
| Loan loss allowance to noncurrent loans | 282.3712% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 4,106 |
| Noncurrent loans to loans | 0.5313% | 3,576 |
| Net loans and leases to total assets | 64.9003% | 3,136 |
| Net loans and leases to deposits | 87.3602% | 1,951 |
| Net loans and leases to core deposits | 91.1093% | 2,302 |
| Total domestic deposits to total assets | 74.2905% | 5,617 |
| Equity capital to assets | 12.2753% | 1,758 |
| Core capital (leverage) ratio | 11.2639% | 2,149 |
| Tier 1 risk-based capital ratio | 18.0717% | 1,946 |
| Total risk-based capital ratio | 19.3263% | 1,900 |
| Memoranda: | ||
| Average total assets | $639,186,000 | 1,072 |
| Average earning assets | $584,245,400 | 1,069 |
| Average equity | $78,145,000 | 973 |
| Average total loans | $412,925,400 | 1,113 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5011% | 4,979 |
| Cost of funding earning assets | 0.3178% | 4,134 |
| Net interest margin | 3.1832% | 4,721 |
| Noninterest income to average assets | 0.9575% | 1,296 |
| Noninterest expense to average assets | 2.4415% | 4,382 |
| Loan and lease loss provision to assets | 0.0244% | 3,786 |
| Net operating income to assets | 1.0837% | 2,080 |
| Return on assets (ROA) | 1.0837% | 2,167 |
| Pretax return on assets | 1.4000% | 2,013 |
| Return on Equity (ROE) | 8.8733% | 2,644 |
| Retained earnings to average equity (ytd only) | 4.9713% | 2,939 |
| Net charge-offs to loans | 0.0689% | 2,579 |
| Credit loss provision to net charge-offs | 55.1887% | 2,974 |
| Earnings coverage of net charge-offs (x) | 32.1603% | 1,430 |
| Efficiency ratio | 62.2082% | 4,535 |
| Assets per employee ($millions) | 3.8206% | 4,225 |
| Cash dividends to net income (ytd only)* | 43.9753% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 2,245 |
| Loan loss allowance to noncurrent loans | 261.4862% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 4,323 |
| Noncurrent loans to loans | 0.5655% | 3,645 |
| Net loans and leases to total assets | 63.1647% | 3,426 |
| Net loans and leases to deposits | 88.6483% | 1,814 |
| Net loans and leases to core deposits | 92.3941% | 2,224 |
| Total domestic deposits to total assets | 71.2532% | 5,915 |
| Equity capital to assets | 12.1789% | 1,977 |
| Core capital (leverage) ratio | 11.2132% | 2,280 |
| Tier 1 risk-based capital ratio | 18.4513% | 1,915 |
| Total risk-based capital ratio | 19.7057% | 1,874 |
| Memoranda: | ||
| Average total assets | $638,157,750 | 1,082 |
| Average earning assets | $583,082,500 | 1,077 |
| Average equity | $77,939,500 | 980 |
| Average total loans | $410,191,250 | 1,118 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5152% | 4,945 |
| Cost of funding earning assets | 0.3203% | 4,156 |
| Net interest margin | 3.1949% | 4,680 |
| Noninterest income to average assets | 0.9439% | 1,319 |
| Noninterest expense to average assets | 2.4373% | 4,441 |
| Loan and lease loss provision to assets | 0.0274% | 3,583 |
| Net operating income to assets | 1.0735% | 2,047 |
| Return on assets (ROA) | 1.0735% | 2,146 |
| Pretax return on assets | 1.4004% | 1,978 |
| Return on Equity (ROE) | 8.7812% | 2,669 |
| Retained earnings to average equity (ytd only) | 4.8741% | 2,943 |
| Net charge-offs to loans | 0.0436% | 2,829 |
| Credit loss provision to net charge-offs | 97.7528% | 2,104 |
| Earnings coverage of net charge-offs (x) | 50.8876% | 945 |
| Efficiency ratio | 62.1044% | 4,665 |
| Assets per employee ($millions) | 3.7425% | 4,341 |
| Cash dividends to net income (ytd only)* | 44.4934% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 2,217 |
| Loan loss allowance to noncurrent loans | 272.2561% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 4,285 |
| Noncurrent loans to loans | 0.5576% | 3,781 |
| Net loans and leases to total assets | 64.1170% | 3,253 |
| Net loans and leases to deposits | 86.6499% | 1,986 |
| Net loans and leases to core deposits | 90.2325% | 2,325 |
| Total domestic deposits to total assets | 73.9954% | 5,796 |
| Equity capital to assets | 12.3656% | 1,755 |
| Core capital (leverage) ratio | 11.3667% | 2,104 |
| Tier 1 risk-based capital ratio | 17.8778% | 2,103 |
| Total risk-based capital ratio | 19.1323% | 2,059 |
| Memoranda: | ||
| Average total assets | $634,379,000 | 1,090 |
| Average earning assets | $580,046,330 | 1,087 |
| Average equity | $77,552,330 | 986 |
| Average total loans | $408,118,670 | 1,125 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5434% | 4,850 |
| Cost of funding earning assets | 0.3224% | 4,193 |
| Net interest margin | 3.2210% | 4,525 |
| Noninterest income to average assets | 0.8903% | 1,419 |
| Noninterest expense to average assets | 2.4510% | 4,444 |
| Loan and lease loss provision to assets | 0.0359% | 3,183 |
| Net operating income to assets | 1.0558% | 2,011 |
| Return on assets (ROA) | 1.0558% | 2,144 |
| Pretax return on assets | 1.3530% | 2,060 |
| Return on Equity (ROE) | 8.6865% | 2,606 |
| Retained earnings to average equity (ytd only) | 4.8172% | 3,167 |
| Net charge-offs to loans | 0.0738% | 1,969 |
| Credit loss provision to net charge-offs | 76.0000% | 1,868 |
| Earnings coverage of net charge-offs (x) | 29.4133% | 1,167 |
| Efficiency ratio | 62.8792% | 4,644 |
| Assets per employee ($millions) | 3.7545% | 4,410 |
| Cash dividends to net income (ytd only)* | 44.5438% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 2,293 |
| Loan loss allowance to noncurrent loans | 292.9981% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 4,279 |
| Noncurrent loans to loans | 0.5243% | 3,996 |
| Net loans and leases to total assets | 62.9773% | 3,240 |
| Net loans and leases to deposits | 84.1914% | 2,042 |
| Net loans and leases to core deposits | 92.8111% | 1,873 |
| Total domestic deposits to total assets | 74.8025% | 5,845 |
| Equity capital to assets | 12.2709% | 1,841 |
| Core capital (leverage) ratio | 11.0781% | 2,337 |
| Tier 1 risk-based capital ratio | 17.8411% | 2,185 |
| Total risk-based capital ratio | 19.0954% | 2,143 |
| Memoranda: | ||
| Average total assets | $635,324,000 | 1,096 |
| Average earning assets | $581,812,500 | 1,091 |
| Average equity | $77,223,000 | 990 |
| Average total loans | $406,286,000 | 1,133 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5692% | 5,168 |
| Cost of funding earning assets | 0.3562% | 4,187 |
| Net interest margin | 3.2130% | 4,880 |
| Noninterest income to average assets | 0.9880% | 1,241 |
| Noninterest expense to average assets | 2.4994% | 4,552 |
| Loan and lease loss provision to assets | 0.0432% | 3,701 |
| Net operating income to assets | 1.0547% | 2,147 |
| Return on assets (ROA) | 1.0547% | 2,211 |
| Pretax return on assets | 1.3764% | 1,973 |
| Return on Equity (ROE) | 8.8908% | 2,641 |
| Retained earnings to average equity (ytd only) | 4.8608% | 2,707 |
| Net charge-offs to loans | 0.1129% | 2,900 |
| Credit loss provision to net charge-offs | 60.2679% | 3,281 |
| Earnings coverage of net charge-offs (x) | 19.8058% | 1,755 |
| Efficiency ratio | 62.5475% | 4,822 |
| Assets per employee ($millions) | 3.7641% | 4,416 |
| Cash dividends to net income (ytd only)* | 45.3277% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 2,309 |
| Loan loss allowance to noncurrent loans | 220.8760% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 4,167 |
| Noncurrent loans to loans | 0.6960% | 3,602 |
| Net loans and leases to total assets | 62.9560% | 3,368 |
| Net loans and leases to deposits | 84.9130% | 2,110 |
| Net loans and leases to core deposits | 88.1711% | 2,479 |
| Total domestic deposits to total assets | 74.1417% | 5,937 |
| Equity capital to assets | 12.0392% | 1,996 |
| Core capital (leverage) ratio | 10.9008% | 2,496 |
| Tier 1 risk-based capital ratio | 18.9582% | 1,862 |
| Total risk-based capital ratio | 20.2055% | 1,826 |
| Memoranda: | ||
| Average total assets | $625,027,400 | 1,066 |
| Average earning assets | $570,178,600 | 1,067 |
| Average equity | $74,144,000 | 986 |
| Average total loans | $396,816,400 | 1,110 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 5,190 |
| Cost of funding earning assets | 0.3645% | 4,189 |
| Net interest margin | 3.2170% | 4,905 |
| Noninterest income to average assets | 0.9357% | 1,407 |
| Noninterest expense to average assets | 2.5065% | 4,509 |
| Loan and lease loss provision to assets | 0.0193% | 4,017 |
| Net operating income to assets | 1.0229% | 2,353 |
| Return on assets (ROA) | 1.0229% | 2,412 |
| Pretax return on assets | 1.3433% | 2,226 |
| Return on Equity (ROE) | 8.6561% | 2,872 |
| Retained earnings to average equity (ytd only) | 4.5928% | 3,368 |
| Net charge-offs to loans | 0.1217% | 2,596 |
| Credit loss provision to net charge-offs | 25.0000% | 3,521 |
| Earnings coverage of net charge-offs (x) | 17.6638% | 1,889 |
| Efficiency ratio | 63.5321% | 4,626 |
| Assets per employee ($millions) | 3.6766% | 4,529 |
| Cash dividends to net income (ytd only)* | 46.9419% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 2,577 |
| Loan loss allowance to noncurrent loans | 213.2572% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 4,331 |
| Noncurrent loans to loans | 0.7178% | 3,813 |
| Net loans and leases to total assets | 63.0405% | 3,337 |
| Net loans and leases to deposits | 86.0790% | 1,898 |
| Net loans and leases to core deposits | 89.2955% | 2,288 |
| Total domestic deposits to total assets | 73.2357% | 6,075 |
| Equity capital to assets | 11.9800% | 2,076 |
| Core capital (leverage) ratio | 10.7860% | 2,709 |
| Tier 1 risk-based capital ratio | 18.7472% | 1,973 |
| Total risk-based capital ratio | 19.9979% | 1,937 |
| Memoranda: | ||
| Average total assets | $622,251,250 | 1,081 |
| Average earning assets | $567,384,500 | 1,079 |
| Average equity | $73,533,750 | 992 |
| Average total loans | $394,336,500 | 1,115 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5983% | 5,156 |
| Cost of funding earning assets | 0.3779% | 4,128 |
| Net interest margin | 3.2204% | 4,872 |
| Noninterest income to average assets | 0.8776% | 1,566 |
| Noninterest expense to average assets | 2.4673% | 4,674 |
| Loan and lease loss provision to assets | 0.0194% | 3,884 |
| Net operating income to assets | 1.0131% | 2,279 |
| Return on assets (ROA) | 1.0131% | 2,344 |
| Pretax return on assets | 1.3262% | 2,170 |
| Return on Equity (ROE) | 8.6126% | 2,779 |
| Retained earnings to average equity (ytd only) | 4.5188% | 3,304 |
| Net charge-offs to loans | 0.0582% | 3,138 |
| Credit loss provision to net charge-offs | 52.6316% | 2,758 |
| Earnings coverage of net charge-offs (x) | 36.5965% | 1,120 |
| Efficiency ratio | 63.4410% | 4,781 |
| Assets per employee ($millions) | 3.5341% | 4,784 |
| Cash dividends to net income (ytd only)* | 47.5326% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 2,365 |
| Loan loss allowance to noncurrent loans | 200.1569% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 4,392 |
| Noncurrent loans to loans | 0.8131% | 3,677 |
| Net loans and leases to total assets | 62.3258% | 3,353 |
| Net loans and leases to deposits | 82.2924% | 2,217 |
| Net loans and leases to core deposits | 85.3095% | 2,578 |
| Total domestic deposits to total assets | 75.7371% | 5,945 |
| Equity capital to assets | 11.9969% | 1,980 |
| Core capital (leverage) ratio | 10.6924% | 2,729 |
| Tier 1 risk-based capital ratio | 18.8802% | 1,952 |
| Total risk-based capital ratio | 20.1377% | 1,912 |
| Memoranda: | ||
| Average total assets | $620,104,670 | 1,085 |
| Average earning assets | $565,217,670 | 1,084 |
| Average equity | $72,939,330 | 998 |
| Average total loans | $391,618,330 | 1,121 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 5,244 |
| Cost of funding earning assets | 0.3923% | 4,060 |
| Net interest margin | 3.1773% | 4,994 |
| Noninterest income to average assets | 0.8143% | 1,693 |
| Noninterest expense to average assets | 2.4570% | 4,770 |
| Loan and lease loss provision to assets | 0.0193% | 3,575 |
| Net operating income to assets | 0.9721% | 2,315 |
| Return on assets (ROA) | 0.9721% | 2,380 |
| Pretax return on assets | 1.2388% | 2,318 |
| Return on Equity (ROE) | 8.3473% | 2,762 |
| Retained earnings to average equity (ytd only) | 4.2483% | 3,582 |
| Net charge-offs to loans | 0.0378% | 2,857 |
| Credit loss provision to net charge-offs | 81.0811% | 1,889 |
| Earnings coverage of net charge-offs (x) | 52.7838% | 728 |
| Efficiency ratio | 64.8344% | 4,724 |
| Assets per employee ($millions) | 3.6741% | 4,577 |
| Cash dividends to net income (ytd only)* | 49.1054% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 2,497 |
| Loan loss allowance to noncurrent loans | 177.7532% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 4,393 |
| Noncurrent loans to loans | 0.9308% | 3,557 |
| Net loans and leases to total assets | 61.4937% | 3,313 |
| Net loans and leases to deposits | 81.7929% | 2,068 |
| Net loans and leases to core deposits | 84.8518% | 2,430 |
| Total domestic deposits to total assets | 75.1822% | 6,143 |
| Equity capital to assets | 11.7490% | 2,055 |
| Core capital (leverage) ratio | 10.5581% | 2,859 |
| Tier 1 risk-based capital ratio | 18.8260% | 2,022 |
| Total risk-based capital ratio | 20.0836% | 1,975 |
| Memoranda: | ||
| Average total assets | $620,924,000 | 1,098 |
| Average earning assets | $566,891,000 | 1,091 |
| Average equity | $72,310,500 | 1,006 |
| Average total loans | $391,507,000 | 1,130 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 5,218 |
| Cost of funding earning assets | 0.4461% | 4,150 |
| Net interest margin | 3.2243% | 4,916 |
| Noninterest income to average assets | 0.9708% | 1,460 |
| Noninterest expense to average assets | 2.4291% | 4,995 |
| Loan and lease loss provision to assets | 0.0639% | 3,855 |
| Net operating income to assets | 1.0720% | 2,028 |
| Return on assets (ROA) | 1.0957% | 2,020 |
| Pretax return on assets | 1.4382% | 1,658 |
| Return on Equity (ROE) | 9.4970% | 2,330 |
| Retained earnings to average equity (ytd only) | 5.3722% | 2,369 |
| Net charge-offs to loans | 0.0389% | 4,687 |
| Credit loss provision to net charge-offs | 265.1007% | 857 |
| Earnings coverage of net charge-offs (x) | 61.0470% | 680 |
| Efficiency ratio | 60.7596% | 5,381 |
| Assets per employee ($millions) | 3.6100% | 4,657 |
| Cash dividends to net income (ytd only)* | 43.4327% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 2,650 |
| Loan loss allowance to noncurrent loans | 169.7730% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6101% | 4,407 |
| Noncurrent loans to loans | 0.9596% | 3,595 |
| Net loans and leases to total assets | 62.5406% | 3,293 |
| Net loans and leases to deposits | 84.5560% | 1,860 |
| Net loans and leases to core deposits | 87.8530% | 2,260 |
| Total domestic deposits to total assets | 73.9636% | 6,285 |
| Equity capital to assets | 11.5423% | 2,132 |
| Core capital (leverage) ratio | 10.3903% | 3,030 |
| Tier 1 risk-based capital ratio | 18.7253% | 2,004 |
| Total risk-based capital ratio | 19.9833% | 1,959 |
| Memoranda: | ||
| Average total assets | $618,429,600 | 1,077 |
| Average earning assets | $561,802,400 | 1,082 |
| Average equity | $71,348,600 | 998 |
| Average total loans | $382,790,200 | 1,116 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 5,270 |
| Cost of funding earning assets | 0.4541% | 4,234 |
| Net interest margin | 3.2078% | 4,973 |
| Noninterest income to average assets | 0.9683% | 1,548 |
| Noninterest expense to average assets | 2.4935% | 4,743 |
| Loan and lease loss provision to assets | 0.0194% | 4,619 |
| Net operating income to assets | 1.0391% | 2,230 |
| Return on assets (ROA) | 1.0391% | 2,313 |
| Pretax return on assets | 1.3672% | 2,047 |
| Return on Equity (ROE) | 9.0079% | 2,625 |
| Retained earnings to average equity (ytd only) | 4.8884% | 3,159 |
| Net charge-offs to loans | 0.0516% | 4,166 |
| Credit loss provision to net charge-offs | 61.2245% | 3,272 |
| Earnings coverage of net charge-offs (x) | 43.7064% | 950 |
| Efficiency ratio | 63.2293% | 4,938 |
| Assets per employee ($millions) | 3.6632% | 4,526 |
| Cash dividends to net income (ytd only)* | 45.7321% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5427% | 3,265 |
| Loan loss allowance to noncurrent loans | 188.0331% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 4,882 |
| Noncurrent loans to loans | 0.8204% | 4,194 |
| Net loans and leases to total assets | 62.0724% | 3,347 |
| Net loans and leases to deposits | 85.0007% | 1,743 |
| Net loans and leases to core deposits | 88.2319% | 2,162 |
| Total domestic deposits to total assets | 73.0258% | 6,433 |
| Equity capital to assets | 11.2543% | 2,506 |
| Core capital (leverage) ratio | 10.1192% | 3,501 |
| Tier 1 risk-based capital ratio | 18.2905% | 2,217 |
| Total risk-based capital ratio | 19.5475% | 2,177 |
| Memoranda: | ||
| Average total assets | $617,807,500 | 1,089 |
| Average earning assets | $560,782,000 | 1,090 |
| Average equity | $71,268,750 | 1,007 |
| Average total loans | $379,798,500 | 1,127 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 5,230 |
| Cost of funding earning assets | 0.4658% | 4,254 |
| Net interest margin | 3.2074% | 4,923 |
| Noninterest income to average assets | 1.0044% | 1,526 |
| Noninterest expense to average assets | 2.5308% | 4,623 |
| Loan and lease loss provision to assets | 0.0196% | 4,505 |
| Net operating income to assets | 1.0389% | 2,156 |
| Return on assets (ROA) | 1.0389% | 2,280 |
| Pretax return on assets | 1.3664% | 2,057 |
| Return on Equity (ROE) | 8.9314% | 2,644 |
| Retained earnings to average equity (ytd only) | 4.8355% | 3,158 |
| Net charge-offs to loans | 0.0439% | 4,068 |
| Credit loss provision to net charge-offs | 73.1707% | 2,760 |
| Earnings coverage of net charge-offs (x) | 51.8659% | 784 |
| Efficiency ratio | 63.0835% | 5,005 |
| Assets per employee ($millions) | 3.5565% | 4,739 |
| Cash dividends to net income (ytd only)* | 45.8595% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 3,136 |
| Loan loss allowance to noncurrent loans | 208.0689% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 5,054 |
| Noncurrent loans to loans | 0.7720% | 4,375 |
| Net loans and leases to total assets | 60.6522% | 3,547 |
| Net loans and leases to deposits | 79.1582% | 2,438 |
| Net loans and leases to core deposits | 82.0576% | 2,794 |
| Total domestic deposits to total assets | 76.6214% | 6,181 |
| Equity capital to assets | 11.4015% | 2,377 |
| Core capital (leverage) ratio | 10.1161% | 3,342 |
| Tier 1 risk-based capital ratio | 18.3398% | 2,197 |
| Total risk-based capital ratio | 19.5973% | 2,158 |
| Memoranda: | ||
| Average total assets | $613,722,000 | 1,092 |
| Average earning assets | $557,280,330 | 1,098 |
| Average equity | $71,388,670 | 1,011 |
| Average total loans | $373,990,000 | 1,137 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 4,996 |
| Cost of funding earning assets | 0.4898% | 4,178 |
| Net interest margin | 3.2584% | 4,690 |
| Noninterest income to average assets | 1.0850% | 1,251 |
| Noninterest expense to average assets | 2.5422% | 4,608 |
| Loan and lease loss provision to assets | 0.0197% | 4,222 |
| Net operating income to assets | 1.1152% | 1,800 |
| Return on assets (ROA) | 1.1152% | 1,907 |
| Pretax return on assets | 1.4795% | 1,617 |
| Return on Equity (ROE) | 9.4914% | 2,271 |
| Retained earnings to average equity (ytd only) | 5.4635% | 2,971 |
| Net charge-offs to loans | 0.0553% | 3,277 |
| Credit loss provision to net charge-offs | 58.8235% | 2,472 |
| Earnings coverage of net charge-offs (x) | 44.7843% | 727 |
| Efficiency ratio | 61.4098% | 5,389 |
| Assets per employee ($millions) | 3.5070% | 4,966 |
| Cash dividends to net income (ytd only)* | 42.4367% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6955% | 3,032 |
| Loan loss allowance to noncurrent loans | 208.1026% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 5,159 |
| Noncurrent loans to loans | 0.8147% | 4,492 |
| Net loans and leases to total assets | 58.2322% | 3,754 |
| Net loans and leases to deposits | 75.8906% | 2,654 |
| Net loans and leases to core deposits | 78.7999% | 2,957 |
| Total domestic deposits to total assets | 76.7317% | 6,271 |
| Equity capital to assets | 11.6435% | 2,299 |
| Core capital (leverage) ratio | 10.1079% | 3,268 |
| Tier 1 risk-based capital ratio | 18.4116% | 2,226 |
| Total risk-based capital ratio | 19.6711% | 2,189 |
| Memoranda: | ||
| Average total assets | $609,388,000 | 1,111 |
| Average earning assets | $552,906,500 | 1,113 |
| Average equity | $71,602,000 | 1,017 |
| Average total loans | $369,157,000 | 1,156 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9796% | 5,378 |
| Cost of funding earning assets | 0.6111% | 4,237 |
| Net interest margin | 3.3686% | 5,005 |
| Noninterest income to average assets | 1.1210% | 1,235 |
| Noninterest expense to average assets | 2.5208% | 5,026 |
| Loan and lease loss provision to assets | 0.1342% | 3,947 |
| Net operating income to assets | 1.1562% | 1,750 |
| Return on assets (ROA) | 1.1562% | 1,908 |
| Pretax return on assets | 1.5391% | 1,562 |
| Return on Equity (ROE) | 10.2924% | 2,054 |
| Retained earnings to average equity (ytd only) | 6.2029% | 1,970 |
| Net charge-offs to loans | 0.0092% | 5,814 |
| Credit loss provision to net charge-offs | 2,530.3030% | 94 |
| Earnings coverage of net charge-offs (x) | 315.4545% | 127 |
| Efficiency ratio | 58.4355% | 5,772 |
| Assets per employee ($millions) | 3.4378% | 5,129 |
| Cash dividends to net income (ytd only)* | 39.7331% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 3,114 |
| Loan loss allowance to noncurrent loans | 192.3197% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 5,150 |
| Noncurrent loans to loans | 0.8581% | 4,466 |
| Net loans and leases to total assets | 60.9171% | 3,437 |
| Net loans and leases to deposits | 79.5859% | 2,346 |
| Net loans and leases to core deposits | 82.6628% | 2,701 |
| Total domestic deposits to total assets | 76.5425% | 6,280 |
| Equity capital to assets | 11.8577% | 2,138 |
| Core capital (leverage) ratio | 9.9404% | 3,483 |
| Tier 1 risk-based capital ratio | 17.6213% | 2,408 |
| Total risk-based capital ratio | 18.8784% | 2,370 |
| Memoranda: | ||
| Average total assets | $622,103,800 | 1,063 |
| Average earning assets | $567,538,200 | 1,065 |
| Average equity | $69,886,800 | 1,007 |
| Average total loans | $358,136,800 | 1,166 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 5,514 |
| Cost of funding earning assets | 0.6332% | 4,330 |
| Net interest margin | 3.3690% | 5,143 |
| Noninterest income to average assets | 1.0764% | 1,301 |
| Noninterest expense to average assets | 2.5160% | 5,028 |
| Loan and lease loss provision to assets | 0.0777% | 4,668 |
| Net operating income to assets | 1.1701% | 1,832 |
| Return on assets (ROA) | 1.1701% | 2,025 |
| Pretax return on assets | 1.5601% | 1,701 |
| Return on Equity (ROE) | 10.5574% | 2,112 |
| Retained earnings to average equity (ytd only) | 6.4589% | 2,400 |
| Net charge-offs to loans | 0.0203% | 5,387 |
| Credit loss provision to net charge-offs | 675.9259% | 399 |
| Earnings coverage of net charge-offs (x) | 142.4779% | 314 |
| Efficiency ratio | 58.9013% | 5,678 |
| Assets per employee ($millions) | 3.6892% | 4,571 |
| Cash dividends to net income (ytd only)* | 38.8211% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 3,609 |
| Loan loss allowance to noncurrent loans | 166.3939% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 5,318 |
| Noncurrent loans to loans | 0.9485% | 4,542 |
| Net loans and leases to total assets | 55.3160% | 4,552 |
| Net loans and leases to deposits | 72.4329% | 3,545 |
| Net loans and leases to core deposits | 77.6797% | 3,503 |
| Total domestic deposits to total assets | 76.3686% | 6,331 |
| Equity capital to assets | 11.0865% | 3,170 |
| Core capital (leverage) ratio | 9.6583% | 4,035 |
| Tier 1 risk-based capital ratio | 17.7586% | 2,441 |
| Total risk-based capital ratio | 19.0145% | 2,408 |
| Memoranda: | ||
| Average total assets | $626,366,750 | 1,061 |
| Average earning assets | $572,142,750 | 1,060 |
| Average equity | $69,422,250 | 1,015 |
| Average total loans | $353,979,750 | 1,183 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 5,444 |
| Cost of funding earning assets | 0.6654% | 4,317 |
| Net interest margin | 3.3982% | 5,097 |
| Noninterest income to average assets | 1.0554% | 1,298 |
| Noninterest expense to average assets | 2.5310% | 5,035 |
| Loan and lease loss provision to assets | 0.0193% | 5,423 |
| Net operating income to assets | 1.2029% | 1,704 |
| Return on assets (ROA) | 1.2029% | 1,902 |
| Pretax return on assets | 1.6079% | 1,526 |
| Return on Equity (ROE) | 10.8540% | 2,042 |
| Retained earnings to average equity (ytd only) | 6.7605% | 2,243 |
| Net charge-offs to loans | 0.0080% | 5,364 |
| Credit loss provision to net charge-offs | 428.5714% | 688 |
| Earnings coverage of net charge-offs (x) | 361.0000% | 113 |
| Efficiency ratio | 59.1870% | 5,710 |
| Assets per employee ($millions) | 3.4759% | 5,034 |
| Cash dividends to net income (ytd only)* | 37.7141% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,915 |
| Loan loss allowance to noncurrent loans | 145.5886% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 5,244 |
| Noncurrent loans to loans | 1.0451% | 4,429 |
| Net loans and leases to total assets | 57.4354% | 4,256 |
| Net loans and leases to deposits | 73.2864% | 3,415 |
| Net loans and leases to core deposits | 76.7980% | 3,681 |
| Total domestic deposits to total assets | 78.3712% | 6,086 |
| Equity capital to assets | 11.4464% | 2,642 |
| Core capital (leverage) ratio | 9.7143% | 3,809 |
| Tier 1 risk-based capital ratio | 17.5382% | 2,463 |
| Total risk-based capital ratio | 18.7938% | 2,425 |
| Memoranda: | ||
| Average total assets | $621,180,670 | 1,068 |
| Average earning assets | $567,176,670 | 1,071 |
| Average equity | $68,840,670 | 1,021 |
| Average total loans | $351,712,670 | 1,192 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 5,665 |
| Cost of funding earning assets | 0.7044% | 4,242 |
| Net interest margin | 3.3277% | 5,379 |
| Noninterest income to average assets | 1.0187% | 1,377 |
| Noninterest expense to average assets | 2.4822% | 5,206 |
| Loan and lease loss provision to assets | 0.0192% | 5,099 |
| Net operating income to assets | 1.1651% | 1,840 |
| Return on assets (ROA) | 1.1651% | 2,019 |
| Pretax return on assets | 1.5575% | 1,717 |
| Return on Equity (ROE) | 10.6845% | 2,149 |
| Retained earnings to average equity (ytd only) | 6.6873% | 2,590 |
| Net charge-offs to loans | -0.0069% | 5,854 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4395% | 5,704 |
| Assets per employee ($millions) | 3.6574% | 4,743 |
| Cash dividends to net income (ytd only)* | 37.4109% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 3,894 |
| Loan loss allowance to noncurrent loans | 125.2948% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 5,143 |
| Noncurrent loans to loans | 1.2446% | 4,259 |
| Net loans and leases to total assets | 54.3779% | 4,659 |
| Net loans and leases to deposits | 70.7109% | 3,626 |
| Net loans and leases to core deposits | 71.5549% | 4,218 |
| Total domestic deposits to total assets | 76.9017% | 6,415 |
| Equity capital to assets | 10.9169% | 3,011 |
| Core capital (leverage) ratio | 9.3292% | 4,320 |
| Tier 1 risk-based capital ratio | 16.5926% | 2,869 |
| Total risk-based capital ratio | 17.8469% | 2,824 |
| Memoranda: | ||
| Average total assets | $625,887,500 | 1,063 |
| Average earning assets | $571,814,000 | 1,063 |
| Average equity | $68,248,500 | 1,024 |
| Average total loans | $349,169,000 | 1,205 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 5,603 |
| Cost of funding earning assets | 0.8949% | 4,162 |
| Net interest margin | 3.4546% | 5,308 |
| Noninterest income to average assets | 1.0476% | 1,225 |
| Noninterest expense to average assets | 2.5525% | 5,280 |
| Loan and lease loss provision to assets | 0.1334% | 4,944 |
| Net operating income to assets | 1.1287% | 1,731 |
| Return on assets (ROA) | 1.1287% | 1,849 |
| Pretax return on assets | 1.5221% | 1,410 |
| Return on Equity (ROE) | 9.9857% | 2,065 |
| Retained earnings to average equity (ytd only) | 6.0199% | 2,005 |
| Net charge-offs to loans | 0.0690% | 5,619 |
| Credit loss provision to net charge-offs | 344.5378% | 668 |
| Earnings coverage of net charge-offs (x) | 42.7521% | 638 |
| Efficiency ratio | 58.5160% | 5,980 |
| Assets per employee ($millions) | 3.5583% | 4,872 |
| Cash dividends to net income (ytd only)* | 39.7146% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,860 |
| Loan loss allowance to noncurrent loans | 120.0758% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.7204% | 5,199 |
| Noncurrent loans to loans | 1.2778% | 4,237 |
| Net loans and leases to total assets | 55.4775% | 4,799 |
| Net loans and leases to deposits | 71.5077% | 3,874 |
| Net loans and leases to core deposits | 72.6203% | 4,419 |
| Total domestic deposits to total assets | 77.5826% | 6,263 |
| Equity capital to assets | 10.8915% | 3,086 |
| Core capital (leverage) ratio | 9.1915% | 4,479 |
| Tier 1 risk-based capital ratio | 15.9634% | 3,070 |
| Total risk-based capital ratio | 17.2172% | 3,027 |
| Memoranda: | ||
| Average total assets | $614,617,800 | 1,060 |
| Average earning assets | $562,267,600 | 1,055 |
| Average equity | $69,469,400 | 968 |
| Average total loans | $345,045,000 | 1,230 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 5,547 |
| Cost of funding earning assets | 0.9279% | 4,210 |
| Net interest margin | 3.4911% | 5,226 |
| Noninterest income to average assets | 1.0515% | 1,214 |
| Noninterest expense to average assets | 2.6348% | 4,956 |
| Loan and lease loss provision to assets | 0.0958% | 5,265 |
| Net operating income to assets | 1.1228% | 1,895 |
| Return on assets (ROA) | 1.1228% | 2,025 |
| Pretax return on assets | 1.5159% | 1,608 |
| Return on Equity (ROE) | 9.8431% | 2,254 |
| Retained earnings to average equity (ytd only) | 5.8956% | 2,618 |
| Net charge-offs to loans | 0.0322% | 5,699 |
| Credit loss provision to net charge-offs | 530.1205% | 521 |
| Earnings coverage of net charge-offs (x) | 89.2200% | 402 |
| Efficiency ratio | 59.8534% | 5,747 |
| Assets per employee ($millions) | 3.5243% | 4,934 |
| Cash dividends to net income (ytd only)* | 40.1047% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 4,114 |
| Loan loss allowance to noncurrent loans | 148.6027% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 5,717 |
| Noncurrent loans to loans | 1.0073% | 4,878 |
| Net loans and leases to total assets | 54.4147% | 5,105 |
| Net loans and leases to deposits | 70.8058% | 4,162 |
| Net loans and leases to core deposits | 73.4417% | 4,537 |
| Total domestic deposits to total assets | 76.8506% | 6,399 |
| Equity capital to assets | 11.4760% | 2,702 |
| Core capital (leverage) ratio | 9.6627% | 3,896 |
| Tier 1 risk-based capital ratio | 17.2404% | 2,551 |
| Total risk-based capital ratio | 18.4935% | 2,510 |
| Memoranda: | ||
| Average total assets | $612,598,750 | 1,070 |
| Average earning assets | $560,652,250 | 1,066 |
| Average equity | $69,881,500 | 968 |
| Average total loans | $343,596,750 | 1,247 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 5,362 |
| Cost of funding earning assets | 0.9572% | 4,268 |
| Net interest margin | 3.5401% | 4,972 |
| Noninterest income to average assets | 1.1208% | 1,030 |
| Noninterest expense to average assets | 2.6751% | 4,921 |
| Loan and lease loss provision to assets | 0.1347% | 4,616 |
| Net operating income to assets | 1.1536% | 1,708 |
| Return on assets (ROA) | 1.1536% | 1,787 |
| Pretax return on assets | 1.5534% | 1,371 |
| Return on Equity (ROE) | 10.1337% | 2,074 |
| Retained earnings to average equity (ytd only) | 6.1518% | 2,330 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0303% | 6,021 |
| Assets per employee ($millions) | 3.3361% | 5,354 |
| Cash dividends to net income (ytd only)* | 39.2938% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 4,108 |
| Loan loss allowance to noncurrent loans | 163.2519% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 5,846 |
| Noncurrent loans to loans | 0.9227% | 5,127 |
| Net loans and leases to total assets | 57.0610% | 4,812 |
| Net loans and leases to deposits | 73.1728% | 3,921 |
| Net loans and leases to core deposits | 76.2772% | 4,275 |
| Total domestic deposits to total assets | 77.9813% | 6,292 |
| Equity capital to assets | 11.8217% | 2,225 |
| Core capital (leverage) ratio | 9.4977% | 3,962 |
| Tier 1 risk-based capital ratio | 16.9234% | 2,556 |
| Total risk-based capital ratio | 18.1795% | 2,521 |
| Memoranda: | ||
| Average total assets | $608,866,670 | 1,086 |
| Average earning assets | $557,673,000 | 1,083 |
| Average equity | $69,313,000 | 978 |
| Average total loans | $343,264,330 | 1,261 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 5,388 |
| Cost of funding earning assets | 0.9557% | 4,527 |
| Net interest margin | 3.5291% | 4,884 |
| Noninterest income to average assets | 0.9286% | 1,551 |
| Noninterest expense to average assets | 2.6803% | 4,916 |
| Loan and lease loss provision to assets | 0.0521% | 5,351 |
| Net operating income to assets | 1.0620% | 1,968 |
| Return on assets (ROA) | 1.0620% | 2,020 |
| Pretax return on assets | 1.4329% | 1,640 |
| Return on Equity (ROE) | 9.5061% | 2,280 |
| Retained earnings to average equity (ytd only) | 5.4870% | 2,914 |
| Net charge-offs to loans | 0.0257% | 4,727 |
| Credit loss provision to net charge-offs | 363.6364% | 900 |
| Earnings coverage of net charge-offs (x) | 103.7273% | 310 |
| Efficiency ratio | 62.3653% | 5,621 |
| Assets per employee ($millions) | 3.3934% | 5,264 |
| Cash dividends to net income (ytd only)* | 42.2794% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 4,588 |
| Loan loss allowance to noncurrent loans | 155.8871% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 5,967 |
| Noncurrent loans to loans | 0.9077% | 5,228 |
| Net loans and leases to total assets | 54.8124% | 5,190 |
| Net loans and leases to deposits | 69.9677% | 4,344 |
| Net loans and leases to core deposits | 72.8876% | 4,663 |
| Total domestic deposits to total assets | 78.3396% | 6,329 |
| Equity capital to assets | 11.1044% | 2,584 |
| Core capital (leverage) ratio | 9.3725% | 4,010 |
| Tier 1 risk-based capital ratio | 16.2206% | 2,800 |
| Total risk-based capital ratio | 17.4721% | 2,760 |
| Memoranda: | ||
| Average total assets | $614,718,000 | 1,084 |
| Average earning assets | $563,765,000 | 1,081 |
| Average equity | $68,672,000 | 977 |
| Average total loans | $341,917,000 | 1,276 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 5,228 |
| Cost of funding earning assets | 1.1948% | 4,591 |
| Net interest margin | 3.6561% | 4,544 |
| Noninterest income to average assets | 1.0121% | 1,467 |
| Noninterest expense to average assets | 2.6145% | 5,355 |
| Loan and lease loss provision to assets | 0.2557% | 4,744 |
| Net operating income to assets | 1.0697% | 1,803 |
| Return on assets (ROA) | 1.0697% | 1,894 |
| Pretax return on assets | 1.4573% | 1,490 |
| Return on Equity (ROE) | 9.6196% | 2,069 |
| Retained earnings to average equity (ytd only) | 5.7280% | 1,976 |
| Net charge-offs to loans | 0.2844% | 4,597 |
| Credit loss provision to net charge-offs | 161.3707% | 2,158 |
| Earnings coverage of net charge-offs (x) | 10.8110% | 1,670 |
| Efficiency ratio | 58.2259% | 6,315 |
| Assets per employee ($millions) | 3.3072% | 5,416 |
| Cash dividends to net income (ytd only)* | 40.4553% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 4,460 |
| Loan loss allowance to noncurrent loans | 125.4180% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 5,757 |
| Noncurrent loans to loans | 1.1244% | 4,861 |
| Net loans and leases to total assets | 54.8599% | 5,514 |
| Net loans and leases to deposits | 70.7646% | 4,715 |
| Net loans and leases to core deposits | 73.6373% | 5,024 |
| Total domestic deposits to total assets | 77.5245% | 6,398 |
| Equity capital to assets | 11.2388% | 2,466 |
| Core capital (leverage) ratio | 9.3824% | 3,877 |
| Tier 1 risk-based capital ratio | 16.2952% | 2,617 |
| Total risk-based capital ratio | 17.5469% | 2,574 |
| Memoranda: | ||
| Average total assets | $607,759,800 | 1,099 |
| Average earning assets | $551,130,000 | 1,101 |
| Average equity | $67,580,800 | 994 |
| Average total loans | $338,599,400 | 1,319 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 5,178 |
| Cost of funding earning assets | 1.2336% | 4,666 |
| Net interest margin | 3.6858% | 4,480 |
| Noninterest income to average assets | 0.9803% | 1,523 |
| Noninterest expense to average assets | 2.6365% | 5,169 |
| Loan and lease loss provision to assets | 0.1912% | 5,132 |
| Net operating income to assets | 1.0924% | 1,912 |
| Return on assets (ROA) | 1.0924% | 2,019 |
| Pretax return on assets | 1.4862% | 1,650 |
| Return on Equity (ROE) | 9.8503% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.9605% | 2,378 |
| Net charge-offs to loans | 0.1995% | 4,753 |
| Credit loss provision to net charge-offs | 171.9368% | 2,151 |
| Earnings coverage of net charge-offs (x) | 15.0850% | 1,465 |
| Efficiency ratio | 58.8661% | 6,127 |
| Assets per employee ($millions) | 3.3523% | 5,319 |
| Cash dividends to net income (ytd only)* | 39.4891% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 4,737 |
| Loan loss allowance to noncurrent loans | 120.8774% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 5,895 |
| Noncurrent loans to loans | 1.1119% | 5,022 |
| Net loans and leases to total assets | 54.7271% | 5,738 |
| Net loans and leases to deposits | 71.2190% | 4,966 |
| Net loans and leases to core deposits | 74.0544% | 5,281 |
| Total domestic deposits to total assets | 76.8434% | 6,516 |
| Equity capital to assets | 11.2011% | 2,773 |
| Core capital (leverage) ratio | 9.2457% | 4,283 |
| Tier 1 risk-based capital ratio | 15.9765% | 2,774 |
| Total risk-based capital ratio | 17.2272% | 2,725 |
| Memoranda: | ||
| Average total assets | $606,741,000 | 1,108 |
| Average earning assets | $548,752,750 | 1,111 |
| Average equity | $67,285,250 | 994 |
| Average total loans | $338,136,000 | 1,333 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 4,927 |
| Cost of funding earning assets | 1.2720% | 4,703 |
| Net interest margin | 3.7303% | 4,232 |
| Noninterest income to average assets | 0.8860% | 1,742 |
| Noninterest expense to average assets | 2.6108% | 5,275 |
| Loan and lease loss provision to assets | 0.1555% | 5,343 |
| Net operating income to assets | 1.0802% | 1,921 |
| Return on assets (ROA) | 1.0802% | 1,996 |
| Pretax return on assets | 1.4835% | 1,600 |
| Return on Equity (ROE) | 9.7742% | 2,185 |
| Retained earnings to average equity (ytd only) | 5.8944% | 2,397 |
| Net charge-offs to loans | 0.2993% | 3,822 |
| Credit loss provision to net charge-offs | 93.0693% | 4,330 |
| Earnings coverage of net charge-offs (x) | 9.8099% | 1,970 |
| Efficiency ratio | 59.0814% | 6,202 |
| Assets per employee ($millions) | 3.3118% | 5,406 |
| Cash dividends to net income (ytd only)* | 39.6937% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 5,392 |
| Loan loss allowance to noncurrent loans | 109.3218% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 5,923 |
| Noncurrent loans to loans | 1.1076% | 5,107 |
| Net loans and leases to total assets | 55.8981% | 5,719 |
| Net loans and leases to deposits | 72.0604% | 4,982 |
| Net loans and leases to core deposits | 75.2841% | 5,286 |
| Total domestic deposits to total assets | 77.5711% | 6,374 |
| Equity capital to assets | 11.1516% | 2,725 |
| Core capital (leverage) ratio | 9.1783% | 4,332 |
| Tier 1 risk-based capital ratio | 15.4187% | 2,943 |
| Total risk-based capital ratio | 16.6090% | 2,940 |
| Memoranda: | ||
| Average total assets | $604,499,000 | 1,121 |
| Average earning assets | $545,107,000 | 1,124 |
| Average equity | $66,808,670 | 995 |
| Average total loans | $337,412,330 | 1,351 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 4,586 |
| Cost of funding earning assets | 1.3118% | 4,740 |
| Net interest margin | 3.7765% | 3,889 |
| Noninterest income to average assets | 0.8624% | 1,759 |
| Noninterest expense to average assets | 2.6230% | 5,258 |
| Loan and lease loss provision to assets | 0.2060% | 4,441 |
| Net operating income to assets | 1.0391% | 2,035 |
| Return on assets (ROA) | 1.0391% | 2,096 |
| Pretax return on assets | 1.4151% | 1,730 |
| Return on Equity (ROE) | 9.4451% | 2,321 |
| Retained earnings to average equity (ytd only) | 5.5197% | 2,856 |
| Net charge-offs to loans | 0.6389% | 2,222 |
| Credit loss provision to net charge-offs | 58.1614% | 4,336 |
| Earnings coverage of net charge-offs (x) | 4.5779% | 2,599 |
| Efficiency ratio | 59.4396% | 6,271 |
| Assets per employee ($millions) | 3.3356% | 5,463 |
| Cash dividends to net income (ytd only)* | 41.5601% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 5,581 |
| Loan loss allowance to noncurrent loans | 107.0623% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 5,837 |
| Noncurrent loans to loans | 1.1052% | 5,144 |
| Net loans and leases to total assets | 55.1483% | 5,867 |
| Net loans and leases to deposits | 70.9739% | 5,207 |
| Net loans and leases to core deposits | 71.1647% | 5,813 |
| Total domestic deposits to total assets | 77.7023% | 6,393 |
| Equity capital to assets | 11.0218% | 2,736 |
| Core capital (leverage) ratio | 8.9236% | 4,689 |
| Tier 1 risk-based capital ratio | 15.0489% | 3,099 |
| Total risk-based capital ratio | 16.1915% | 3,095 |
| Memoranda: | ||
| Average total assets | $602,061,000 | 1,148 |
| Average earning assets | $539,117,000 | 1,172 |
| Average equity | $66,235,500 | 1,007 |
| Average total loans | $333,716,500 | 1,404 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3802% | 4,784 |
| Cost of funding earning assets | 1.6094% | 4,988 |
| Net interest margin | 3.7708% | 3,835 |
| Noninterest income to average assets | 0.9389% | 1,790 |
| Noninterest expense to average assets | 2.7300% | 5,246 |
| Loan and lease loss provision to assets | 0.1772% | 5,924 |
| Net operating income to assets | 1.0775% | 1,574 |
| Return on assets (ROA) | 1.0772% | 1,626 |
| Pretax return on assets | 1.4677% | 1,269 |
| Return on Equity (ROE) | 9.7188% | 1,775 |
| Retained earnings to average equity (ytd only) | 5.3241% | 1,666 |
| Net charge-offs to loans | 0.1752% | 5,551 |
| Credit loss provision to net charge-offs | 178.8831% | 2,329 |
| Earnings coverage of net charge-offs (x) | 16.6108% | 1,245 |
| Efficiency ratio | 59.8570% | 6,507 |
| Assets per employee ($millions) | 3.3354% | 5,413 |
| Cash dividends to net income (ytd only)* | 45.2182% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 4,915 |
| Loan loss allowance to noncurrent loans | 96.5375% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 5,650 |
| Noncurrent loans to loans | 1.3196% | 4,715 |
| Net loans and leases to total assets | 54.3460% | 6,163 |
| Net loans and leases to deposits | 70.4583% | 5,542 |
| Net loans and leases to core deposits | 83.3703% | 5,781 |
| Total domestic deposits to total assets | 77.1321% | 6,439 |
| Equity capital to assets | 10.9810% | 2,719 |
| Core capital (leverage) ratio | 9.2007% | 4,119 |
| Tier 1 risk-based capital ratio | 15.4929% | 2,718 |
| Total risk-based capital ratio | 16.6924% | 2,694 |
| Memoranda: | ||
| Average total assets | $578,530,600 | 1,198 |
| Average earning assets | $527,211,000 | 1,205 |
| Average equity | $64,123,200 | 1,030 |
| Average total loans | $326,974,800 | 1,472 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4169% | 4,868 |
| Cost of funding earning assets | 1.6557% | 5,132 |
| Net interest margin | 3.7612% | 3,811 |
| Noninterest income to average assets | 0.8811% | 2,053 |
| Noninterest expense to average assets | 2.7451% | 5,124 |
| Loan and lease loss provision to assets | 0.1233% | 6,127 |
| Net operating income to assets | 1.0915% | 1,763 |
| Return on assets (ROA) | 1.0912% | 1,824 |
| Pretax return on assets | 1.4423% | 1,587 |
| Return on Equity (ROE) | 9.8209% | 1,990 |
| Retained earnings to average equity (ytd only) | 6.2841% | 1,818 |
| Net charge-offs to loans | 0.1447% | 5,244 |
| Credit loss provision to net charge-offs | 149.7175% | 3,216 |
| Earnings coverage of net charge-offs (x) | 19.0140% | 1,318 |
| Efficiency ratio | 61.0200% | 6,271 |
| Assets per employee ($millions) | 3.2995% | 5,401 |
| Cash dividends to net income (ytd only)* | 36.0127% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,177 |
| Loan loss allowance to noncurrent loans | 65.9956% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.0736% | 4,930 |
| Noncurrent loans to loans | 1.8004% | 3,911 |
| Net loans and leases to total assets | 55.3940% | 6,213 |
| Net loans and leases to deposits | 73.8483% | 5,381 |
| Net loans and leases to core deposits | 86.7071% | 5,799 |
| Total domestic deposits to total assets | 75.0105% | 6,772 |
| Equity capital to assets | 11.1616% | 2,865 |
| Core capital (leverage) ratio | 9.2287% | 4,294 |
| Tier 1 risk-based capital ratio | 15.9689% | 2,638 |
| Total risk-based capital ratio | 17.1837% | 2,589 |
| Memoranda: | ||
| Average total assets | $573,069,750 | 1,222 |
| Average earning assets | $522,625,000 | 1,224 |
| Average equity | $63,672,250 | 1,053 |
| Average total loans | $326,096,250 | 1,493 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5161% | 4,537 |
| Cost of funding earning assets | 1.6964% | 5,285 |
| Net interest margin | 3.8197% | 3,463 |
| Noninterest income to average assets | 0.8801% | 2,059 |
| Noninterest expense to average assets | 2.7912% | 4,996 |
| Loan and lease loss provision to assets | 0.0776% | 6,415 |
| Net operating income to assets | 1.1265% | 1,677 |
| Return on assets (ROA) | 1.1265% | 1,760 |
| Pretax return on assets | 1.4880% | 1,480 |
| Return on Equity (ROE) | 10.1554% | 1,968 |
| Retained earnings to average equity (ytd only) | 6.7162% | 1,690 |
| Net charge-offs to loans | 0.1332% | 4,829 |
| Credit loss provision to net charge-offs | 101.8519% | 4,491 |
| Earnings coverage of net charge-offs (x) | 20.5556% | 1,310 |
| Efficiency ratio | 61.3467% | 6,338 |
| Assets per employee ($millions) | 3.1922% | 5,601 |
| Cash dividends to net income (ytd only)* | 33.8654% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,291 |
| Loan loss allowance to noncurrent loans | 81.3054% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 5,235 |
| Noncurrent loans to loans | 1.4099% | 4,391 |
| Net loans and leases to total assets | 57.0927% | 6,078 |
| Net loans and leases to deposits | 73.3539% | 5,559 |
| Net loans and leases to core deposits | 84.6801% | 6,034 |
| Total domestic deposits to total assets | 77.8318% | 6,122 |
| Equity capital to assets | 11.2838% | 2,691 |
| Core capital (leverage) ratio | 9.1422% | 4,397 |
| Tier 1 risk-based capital ratio | 15.7370% | 2,714 |
| Total risk-based capital ratio | 16.9049% | 2,681 |
| Memoranda: | ||
| Average total assets | $567,221,330 | 1,249 |
| Average earning assets | $516,268,330 | 1,253 |
| Average equity | $62,922,330 | 1,084 |
| Average total loans | $324,428,670 | 1,534 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6262% | 4,205 |
| Cost of funding earning assets | 1.7330% | 5,459 |
| Net interest margin | 3.8932% | 3,066 |
| Noninterest income to average assets | 0.8145% | 2,259 |
| Noninterest expense to average assets | 2.7668% | 4,710 |
| Loan and lease loss provision to assets | 0.0423% | 6,441 |
| Net operating income to assets | 1.1194% | 1,897 |
| Return on assets (ROA) | 1.1194% | 2,020 |
| Pretax return on assets | 1.5429% | 1,548 |
| Return on Equity (ROE) | 10.1788% | 2,254 |
| Retained earnings to average equity (ytd only) | 6.7067% | 2,328 |
| Net charge-offs to loans | 0.0806% | 4,365 |
| Credit loss provision to net charge-offs | 92.3077% | 3,958 |
| Earnings coverage of net charge-offs (x) | 34.5538% | 957 |
| Efficiency ratio | 60.8498% | 6,275 |
| Assets per employee ($millions) | 3.2248% | 5,537 |
| Cash dividends to net income (ytd only)* | 34.1110% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 5,090 |
| Loan loss allowance to noncurrent loans | 84.0914% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 4,922 |
| Noncurrent loans to loans | 1.3730% | 4,259 |
| Net loans and leases to total assets | 56.6099% | 6,152 |
| Net loans and leases to deposits | 71.7492% | 5,776 |
| Net loans and leases to core deposits | 82.7605% | 6,164 |
| Total domestic deposits to total assets | 78.8998% | 5,766 |
| Equity capital to assets | 11.1147% | 2,878 |
| Core capital (leverage) ratio | 8.9134% | 4,846 |
| Tier 1 risk-based capital ratio | 15.3851% | 2,900 |
| Total risk-based capital ratio | 16.5525% | 2,876 |
| Memoranda: | ||
| Average total assets | $566,726,500 | 1,253 |
| Average earning assets | $514,945,500 | 1,259 |
| Average equity | $62,325,500 | 1,091 |
| Average total loans | $322,558,500 | 1,556 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5353% | 7,215 |
| Cost of funding earning assets | 1.9259% | 6,656 |
| Net interest margin | 3.6095% | 4,839 |
| Noninterest income to average assets | 0.8987% | 1,962 |
| Noninterest expense to average assets | 2.9381% | 4,310 |
| Loan and lease loss provision to assets | 0.1778% | 5,118 |
| Net operating income to assets | 0.8103% | 3,393 |
| Return on assets (ROA) | 0.8103% | 3,233 |
| Pretax return on assets | 1.0715% | 3,133 |
| Return on Equity (ROE) | 8.7967% | 2,713 |
| Retained earnings to average equity (ytd only) | 4.8050% | 2,146 |
| Net charge-offs to loans | 0.0497% | 6,080 |
| Credit loss provision to net charge-offs | 663.7168% | 643 |
| Earnings coverage of net charge-offs (x) | 46.6372% | 800 |
| Efficiency ratio | 68.5802% | 4,616 |
| Assets per employee ($millions) | 3.0755% | 5,846 |
| Cash dividends to net income (ytd only)* | 45.3774% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 4,748 |
| Loan loss allowance to noncurrent loans | 84.5825% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8510% | 4,719 |
| Noncurrent loans to loans | 1.3881% | 3,739 |
| Net loans and leases to total assets | 55.8958% | 6,452 |
| Net loans and leases to deposits | 72.6244% | 5,991 |
| Net loans and leases to core deposits | 83.8211% | 6,303 |
| Total domestic deposits to total assets | 76.9657% | 5,999 |
| Equity capital to assets | 10.8799% | 3,138 |
| Core capital (leverage) ratio | 8.6413% | 5,301 |
| Tier 1 risk-based capital ratio | 14.3185% | 3,384 |
| Total risk-based capital ratio | 15.4342% | 3,382 |
| Memoranda: | ||
| Average total assets | $421,838,600 | 1,614 |
| Average earning assets | $384,348,600 | 1,619 |
| Average equity | $38,855,400 | 1,738 |
| Average total loans | $227,371,600 | 2,068 |