Home > Kitsap Bank > Performance and Condition Ratios
Kitsap Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 3,546 |
| Cost of funding earning assets | 1.3046% | 3,587 |
| Net interest margin | 3.4405% | 2,464 |
| Noninterest income to average assets | 0.7000% | 1,050 |
| Noninterest expense to average assets | 3.0361% | 1,080 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 0.5667% | 3,429 |
| Return on assets (ROA) | 0.5667% | 3,444 |
| Pretax return on assets | 0.6627% | 3,465 |
| Return on Equity (ROE) | 6.2600% | 3,292 |
| Retained earnings to average equity (ytd only) | 2.9360% | 3,104 |
| Net charge-offs to loans | -0.0057% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 80.7675% | 901 |
| Assets per employee ($millions) | 6.2035% | 2,796 |
| Cash dividends to net income (ytd only)* | 53.1237% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 2,865 |
| Loan loss allowance to noncurrent loans | 984,100.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 3,815 |
| Noncurrent loans to loans | 0.0001% | 3,786 |
| Net loans and leases to total assets | 54.8400% | 3,289 |
| Net loans and leases to deposits | 63.7709% | 3,277 |
| Net loans and leases to core deposits | 67.3815% | 3,416 |
| Total domestic deposits to total assets | 86.0000% | 2,304 |
| Equity capital to assets | 9.1648% | 2,818 |
| Core capital (leverage) ratio | 11.3613% | 1,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6562% | 1,129 |
| Memoranda: | ||
| Average total assets | $1,660,963,500 | 683 |
| Average earning assets | $1,476,298,500 | 694 |
| Average equity | $150,274,000 | 747 |
| Average total loans | $907,482,500 | 819 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 3,429 |
| Cost of funding earning assets | 1.3920% | 3,533 |
| Net interest margin | 3.4055% | 2,279 |
| Noninterest income to average assets | 0.6400% | 1,366 |
| Noninterest expense to average assets | 2.9028% | 1,311 |
| Loan and lease loss provision to assets | 0.3600% | 320 |
| Net operating income to assets | 0.3606% | 3,746 |
| Return on assets (ROA) | 0.4043% | 3,697 |
| Pretax return on assets | 0.4478% | 3,732 |
| Return on Equity (ROE) | 4.5500% | 3,595 |
| Retained earnings to average equity (ytd only) | 1.8529% | 3,421 |
| Net charge-offs to loans | 0.0296% | 1,985 |
| Credit loss provision to net charge-offs | -56.9767% | 4,327 |
| Earnings coverage of net charge-offs (x) | 48.8798% | 1,223 |
| Efficiency ratio | 79.3357% | 1,093 |
| Assets per employee ($millions) | 6.2853% | 2,660 |
| Cash dividends to net income (ytd only)* | 59.3120% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 2,855 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 53.2600% | 3,452 |
| Net loans and leases to deposits | 64.1433% | 3,336 |
| Net loans and leases to core deposits | 67.6641% | 3,456 |
| Total domestic deposits to total assets | 83.0400% | 3,024 |
| Equity capital to assets | 8.9307% | 2,871 |
| Core capital (leverage) ratio | 11.0524% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5569% | 1,144 |
| Memoranda: | ||
| Average total assets | $1,667,934,000 | 674 |
| Average earning assets | $1,477,178,200 | 690 |
| Average equity | $148,088,800 | 730 |
| Average total loans | $872,872,600 | 839 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 3,422 |
| Cost of funding earning assets | 1.3905% | 3,528 |
| Net interest margin | 3.3870% | 2,254 |
| Noninterest income to average assets | 0.6500% | 1,305 |
| Noninterest expense to average assets | 2.9061% | 1,238 |
| Loan and lease loss provision to assets | 0.2400% | 464 |
| Net operating income to assets | 0.4391% | 3,610 |
| Return on assets (ROA) | 0.4954% | 3,513 |
| Pretax return on assets | 0.5682% | 3,532 |
| Return on Equity (ROE) | 5.5900% | 3,406 |
| Retained earnings to average equity (ytd only) | 2.8843% | 3,215 |
| Net charge-offs to loans | 0.0009% | 2,793 |
| Credit loss provision to net charge-offs | -2,450.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | 1,547.0000% | 71 |
| Efficiency ratio | 79.6670% | 1,102 |
| Assets per employee ($millions) | 6.4337% | 2,551 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 2,719 |
| Loan loss allowance to noncurrent loans | 3,932.0000% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 1,766 |
| Noncurrent loans to loans | 0.0282% | 3,600 |
| Net loans and leases to total assets | 52.0400% | 3,540 |
| Net loans and leases to deposits | 64.3956% | 3,339 |
| Net loans and leases to core deposits | 67.4332% | 3,512 |
| Total domestic deposits to total assets | 80.8100% | 3,343 |
| Equity capital to assets | 9.3441% | 2,787 |
| Core capital (leverage) ratio | 11.1226% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9171% | 1,111 |
| Memoranda: | ||
| Average total assets | $1,668,518,750 | 667 |
| Average earning assets | $1,477,183,500 | 684 |
| Average equity | $147,923,750 | 718 |
| Average total loans | $866,910,000 | 843 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 3,398 |
| Cost of funding earning assets | 1.3386% | 3,561 |
| Net interest margin | 3.3971% | 2,184 |
| Noninterest income to average assets | 0.6400% | 1,304 |
| Noninterest expense to average assets | 2.8829% | 1,297 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.5837% | 3,225 |
| Return on assets (ROA) | 0.6635% | 3,060 |
| Pretax return on assets | 0.7624% | 3,089 |
| Return on Equity (ROE) | 7.6200% | 2,842 |
| Retained earnings to average equity (ytd only) | 4.8587% | 2,384 |
| Net charge-offs to loans | 0.0019% | 2,493 |
| Credit loss provision to net charge-offs | 9,375.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 790.8750% | 142 |
| Efficiency ratio | 79.1161% | 1,200 |
| Assets per employee ($millions) | 6.1996% | 2,631 |
| Cash dividends to net income (ytd only)* | 36.2582% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 2,275 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 52.4200% | 3,516 |
| Net loans and leases to deposits | 65.5647% | 3,281 |
| Net loans and leases to core deposits | 68.2572% | 3,450 |
| Total domestic deposits to total assets | 79.9500% | 3,453 |
| Equity capital to assets | 8.5999% | 3,029 |
| Core capital (leverage) ratio | 11.1751% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4667% | 1,171 |
| Memoranda: | ||
| Average total assets | $1,662,813,333 | 674 |
| Average earning assets | $1,470,068,333 | 689 |
| Average equity | $144,729,000 | 730 |
| Average total loans | $860,224,333 | 850 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 3,349 |
| Cost of funding earning assets | 1.2806% | 3,589 |
| Net interest margin | 3.4087% | 2,083 |
| Noninterest income to average assets | 0.6400% | 1,224 |
| Noninterest expense to average assets | 2.9127% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6107% | 3,124 |
| Return on assets (ROA) | 0.6107% | 3,148 |
| Pretax return on assets | 0.7430% | 3,051 |
| Return on Equity (ROE) | 6.9700% | 2,964 |
| Retained earnings to average equity (ytd only) | 4.2018% | 2,646 |
| Net charge-offs to loans | 0.0010% | 2,201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 1,530.5000% | 49 |
| Efficiency ratio | 79.6760% | 1,232 |
| Assets per employee ($millions) | 6.0589% | 2,795 |
| Cash dividends to net income (ytd only)* | 39.7456% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,389 |
| Loan loss allowance to noncurrent loans | 21,697.8261% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,838 |
| Noncurrent loans to loans | 0.0054% | 3,769 |
| Net loans and leases to total assets | 50.7600% | 3,563 |
| Net loans and leases to deposits | 61.3531% | 3,437 |
| Net loans and leases to core deposits | 63.6232% | 3,614 |
| Total domestic deposits to total assets | 82.7400% | 3,039 |
| Equity capital to assets | 8.7872% | 2,821 |
| Core capital (leverage) ratio | 11.2367% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9405% | 1,095 |
| Memoranda: | ||
| Average total assets | $1,647,978,500 | 685 |
| Average earning assets | $1,455,915,000 | 699 |
| Average equity | $144,318,000 | 731 |
| Average total loans | $841,378,500 | 867 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 3,209 |
| Cost of funding earning assets | 0.8164% | 3,687 |
| Net interest margin | 3.6229% | 1,928 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.8319% | 1,424 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1160% | 1,877 |
| Return on assets (ROA) | 0.9886% | 2,236 |
| Pretax return on assets | 0.8516% | 3,090 |
| Return on Equity (ROE) | 12.6200% | 1,813 |
| Retained earnings to average equity (ytd only) | 9.4211% | 1,150 |
| Net charge-offs to loans | 0.0031% | 2,668 |
| Credit loss provision to net charge-offs | 2,952.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 664.4000% | 216 |
| Efficiency ratio | 73.6625% | 1,489 |
| Assets per employee ($millions) | 6.1490% | 2,693 |
| Cash dividends to net income (ytd only)* | 25.3746% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,335 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 50.1400% | 3,584 |
| Net loans and leases to deposits | 59.7982% | 3,532 |
| Net loans and leases to core deposits | 61.8867% | 3,685 |
| Total domestic deposits to total assets | 83.8400% | 2,664 |
| Equity capital to assets | 8.7274% | 2,887 |
| Core capital (leverage) ratio | 11.0273% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1316% | 1,060 |
| Memoranda: | ||
| Average total assets | $1,640,448,800 | 664 |
| Average earning assets | $1,455,388,400 | 683 |
| Average equity | $128,456,600 | 775 |
| Average total loans | $812,046,400 | 856 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 3,145 |
| Cost of funding earning assets | 0.7243% | 3,713 |
| Net interest margin | 3.6539% | 1,878 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.7641% | 1,510 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.1419% | 1,935 |
| Return on assets (ROA) | 1.0454% | 2,220 |
| Pretax return on assets | 0.9433% | 2,994 |
| Return on Equity (ROE) | 13.7500% | 1,720 |
| Retained earnings to average equity (ytd only) | 10.4126% | 1,295 |
| Net charge-offs to loans | 0.0046% | 2,312 |
| Credit loss provision to net charge-offs | 2,635.7143% | 179 |
| Earnings coverage of net charge-offs (x) | 476.0714% | 319 |
| Efficiency ratio | 71.8182% | 1,593 |
| Assets per employee ($millions) | 6.3596% | 2,445 |
| Cash dividends to net income (ytd only)* | 24.2469% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,283 |
| Loan loss allowance to noncurrent loans | 1,571.6535% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,412 |
| Noncurrent loans to loans | 0.0773% | 3,203 |
| Net loans and leases to total assets | 49.6400% | 3,641 |
| Net loans and leases to deposits | 56.4212% | 3,691 |
| Net loans and leases to core deposits | 58.3336% | 3,772 |
| Total domestic deposits to total assets | 87.9800% | 1,579 |
| Equity capital to assets | 7.4446% | 3,386 |
| Core capital (leverage) ratio | 11.0089% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0051% | 1,099 |
| Memoranda: | ||
| Average total assets | $1,638,578,000 | 671 |
| Average earning assets | $1,455,582,000 | 683 |
| Average equity | $124,615,500 | 785 |
| Average total loans | $806,011,250 | 861 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 3,111 |
| Cost of funding earning assets | 0.6477% | 3,633 |
| Net interest margin | 3.6468% | 1,921 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.7436% | 1,542 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.2862% | 1,603 |
| Return on assets (ROA) | 1.1415% | 1,992 |
| Pretax return on assets | 0.9045% | 3,154 |
| Return on Equity (ROE) | 14.9000% | 1,490 |
| Retained earnings to average equity (ytd only) | 12.4256% | 901 |
| Net charge-offs to loans | 0.0020% | 2,306 |
| Credit loss provision to net charge-offs | 9,225.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 1,144.2500% | 125 |
| Efficiency ratio | 71.0783% | 1,661 |
| Assets per employee ($millions) | 6.2577% | 2,497 |
| Cash dividends to net income (ytd only)* | 16.6346% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,248 |
| Loan loss allowance to noncurrent loans | 4,201.6807% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,692 |
| Noncurrent loans to loans | 0.0294% | 3,541 |
| Net loans and leases to total assets | 48.9300% | 3,632 |
| Net loans and leases to deposits | 55.0183% | 3,697 |
| Net loans and leases to core deposits | 56.8050% | 3,782 |
| Total domestic deposits to total assets | 88.9300% | 1,287 |
| Equity capital to assets | 8.0297% | 3,194 |
| Core capital (leverage) ratio | 10.8559% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2742% | 1,069 |
| Memoranda: | ||
| Average total assets | $1,639,969,000 | 661 |
| Average earning assets | $1,462,798,333 | 672 |
| Average equity | $125,595,667 | 778 |
| Average total loans | $800,912,667 | 848 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 3,152 |
| Cost of funding earning assets | 0.5016% | 3,684 |
| Net interest margin | 3.6416% | 2,029 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.7588% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9225% | 2,779 |
| Return on assets (ROA) | 0.9177% | 2,753 |
| Pretax return on assets | 1.1005% | 2,705 |
| Return on Equity (ROE) | 12.2800% | 2,148 |
| Retained earnings to average equity (ytd only) | 10.4641% | 1,588 |
| Net charge-offs to loans | 0.0010% | 2,022 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2,272.5000% | 36 |
| Efficiency ratio | 71.3773% | 1,590 |
| Assets per employee ($millions) | 6.3638% | 2,441 |
| Cash dividends to net income (ytd only)* | 14.7745% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 2,766 |
| Loan loss allowance to noncurrent loans | 3,649.2126% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 3,683 |
| Noncurrent loans to loans | 0.0318% | 3,530 |
| Net loans and leases to total assets | 47.8900% | 3,642 |
| Net loans and leases to deposits | 53.0784% | 3,733 |
| Net loans and leases to core deposits | 54.0301% | 3,830 |
| Total domestic deposits to total assets | 90.2200% | 1,081 |
| Equity capital to assets | 7.8605% | 3,338 |
| Core capital (leverage) ratio | 10.6304% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3303% | 1,105 |
| Memoranda: | ||
| Average total assets | $1,643,325,000 | 670 |
| Average earning assets | $1,470,558,500 | 684 |
| Average equity | $122,820,500 | 803 |
| Average total loans | $796,789,000 | 864 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 3,116 |
| Cost of funding earning assets | 0.1476% | 4,140 |
| Net interest margin | 3.3386% | 2,457 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.5661% | 1,921 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.8496% | 3,151 |
| Return on assets (ROA) | 0.8496% | 3,084 |
| Pretax return on assets | 1.0146% | 3,035 |
| Return on Equity (ROE) | 10.5700% | 2,622 |
| Retained earnings to average equity (ytd only) | 9.0306% | 1,470 |
| Net charge-offs to loans | -0.0191% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.1186% | 1,433 |
| Assets per employee ($millions) | 6.2298% | 2,567 |
| Cash dividends to net income (ytd only)* | 14.5804% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,183 |
| Loan loss allowance to noncurrent loans | 3,937.0518% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,705 |
| Noncurrent loans to loans | 0.0316% | 3,555 |
| Net loans and leases to total assets | 47.9200% | 3,672 |
| Net loans and leases to deposits | 52.7185% | 3,750 |
| Net loans and leases to core deposits | 53.2103% | 3,853 |
| Total domestic deposits to total assets | 90.9000% | 996 |
| Equity capital to assets | 7.0850% | 3,624 |
| Core capital (leverage) ratio | 10.3998% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8584% | 1,151 |
| Memoranda: | ||
| Average total assets | $1,671,887,400 | 646 |
| Average earning assets | $1,492,831,000 | 661 |
| Average equity | $134,354,400 | 730 |
| Average total loans | $732,019,400 | 871 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3134% | 3,145 |
| Cost of funding earning assets | 0.1009% | 4,278 |
| Net interest margin | 3.2126% | 2,587 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.5046% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7712% | 3,349 |
| Return on assets (ROA) | 0.7712% | 3,306 |
| Pretax return on assets | 0.9165% | 3,267 |
| Return on Equity (ROE) | 9.3300% | 2,928 |
| Retained earnings to average equity (ytd only) | 7.8373% | 2,065 |
| Net charge-offs to loans | -0.0275% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.0870% | 1,378 |
| Assets per employee ($millions) | 6.0744% | 2,692 |
| Cash dividends to net income (ytd only)* | 15.9790% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 1,864 |
| Loan loss allowance to noncurrent loans | 3,815.4982% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,792 |
| Noncurrent loans to loans | 0.0350% | 3,643 |
| Net loans and leases to total assets | 46.9300% | 3,712 |
| Net loans and leases to deposits | 51.3447% | 3,774 |
| Net loans and leases to core deposits | 51.4089% | 3,882 |
| Total domestic deposits to total assets | 91.4000% | 1,078 |
| Equity capital to assets | 6.5436% | 3,716 |
| Core capital (leverage) ratio | 10.0843% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6844% | 1,238 |
| Memoranda: | ||
| Average total assets | $1,680,250,250 | 646 |
| Average earning assets | $1,500,480,250 | 662 |
| Average equity | $138,922,250 | 720 |
| Average total loans | $716,275,000 | 882 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1111% | 3,277 |
| Cost of funding earning assets | 0.0922% | 4,273 |
| Net interest margin | 3.0189% | 2,828 |
| Noninterest income to average assets | 0.5272% | 2,055 |
| Noninterest expense to average assets | 2.4138% | 2,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6852% | 3,359 |
| Return on assets (ROA) | 0.6852% | 3,312 |
| Pretax return on assets | 0.8129% | 3,286 |
| Return on Equity (ROE) | 7.7691% | 3,085 |
| Retained earnings to average equity (ytd only) | 6.3865% | 2,214 |
| Net charge-offs to loans | 0.0037% | 1,901 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 530.7692% | 243 |
| Efficiency ratio | 74.6139% | 1,437 |
| Assets per employee ($millions) | 6.4860% | 2,327 |
| Cash dividends to net income (ytd only)* | 17.7957% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,792 |
| Loan loss allowance to noncurrent loans | 1,017,900.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 4,092 |
| Noncurrent loans to loans | 0.0001% | 4,024 |
| Net loans and leases to total assets | 42.5975% | 3,930 |
| Net loans and leases to deposits | 47.3925% | 3,956 |
| Net loans and leases to core deposits | 47.4503% | 4,056 |
| Total domestic deposits to total assets | 89.8822% | 1,760 |
| Equity capital to assets | 7.6543% | 3,373 |
| Core capital (leverage) ratio | 9.9028% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3730% | 1,106 |
| Memoranda: | ||
| Average total assets | $1,697,688,667 | 639 |
| Average earning assets | $1,518,043,333 | 652 |
| Average equity | $149,721,333 | 689 |
| Average total loans | $696,931,667 | 890 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9791% | 3,313 |
| Cost of funding earning assets | 0.0917% | 4,242 |
| Net interest margin | 2.8873% | 2,883 |
| Noninterest income to average assets | 0.5324% | 1,984 |
| Noninterest expense to average assets | 2.4116% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6002% | 3,394 |
| Return on assets (ROA) | 0.6002% | 3,376 |
| Pretax return on assets | 0.6981% | 3,397 |
| Return on Equity (ROE) | 6.3857% | 3,224 |
| Retained earnings to average equity (ytd only) | 5.0891% | 2,558 |
| Net charge-offs to loans | 0.0053% | 1,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 329.6667% | 297 |
| Efficiency ratio | 77.1506% | 1,388 |
| Assets per employee ($millions) | 6.5779% | 2,312 |
| Cash dividends to net income (ytd only)* | 20.3058% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 39.2516% | 4,057 |
| Net loans and leases to deposits | 43.9520% | 4,066 |
| Net loans and leases to core deposits | 44.0144% | 4,161 |
| Total domestic deposits to total assets | 89.3056% | 1,922 |
| Equity capital to assets | 8.2801% | 3,340 |
| Core capital (leverage) ratio | 9.2676% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2820% | 1,194 |
| Memoranda: | ||
| Average total assets | $1,700,110,500 | 637 |
| Average earning assets | $1,517,525,000 | 656 |
| Average equity | $159,794,000 | 679 |
| Average total loans | $679,753,500 | 904 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4399% | 2,825 |
| Cost of funding earning assets | 0.0896% | 4,461 |
| Net interest margin | 3.3504% | 2,165 |
| Noninterest income to average assets | 0.9016% | 1,192 |
| Noninterest expense to average assets | 2.6951% | 1,648 |
| Loan and lease loss provision to assets | 0.0370% | 2,302 |
| Net operating income to assets | 1.1885% | 1,959 |
| Return on assets (ROA) | 1.2961% | 1,662 |
| Pretax return on assets | 1.3086% | 2,329 |
| Return on Equity (ROE) | 12.1223% | 1,772 |
| Retained earnings to average equity (ytd only) | 10.9280% | 716 |
| Net charge-offs to loans | 0.0568% | 1,222 |
| Credit loss provision to net charge-offs | 143.5407% | 1,520 |
| Earnings coverage of net charge-offs (x) | 47.9976% | 1,323 |
| Efficiency ratio | 68.2211% | 1,948 |
| Assets per employee ($millions) | 6.5503% | 2,291 |
| Cash dividends to net income (ytd only)* | 9.8521% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 1,568 |
| Loan loss allowance to noncurrent loans | 11,851.1628% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,123 |
| Noncurrent loans to loans | 0.0126% | 4,001 |
| Net loans and leases to total assets | 39.5163% | 4,119 |
| Net loans and leases to deposits | 45.1751% | 4,134 |
| Net loans and leases to core deposits | 45.2415% | 4,219 |
| Total domestic deposits to total assets | 87.4737% | 2,292 |
| Equity capital to assets | 10.5227% | 2,159 |
| Core capital (leverage) ratio | 9.1966% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5217% | 1,158 |
| Memoranda: | ||
| Average total assets | $1,621,924,000 | 643 |
| Average earning assets | $1,467,032,600 | 653 |
| Average equity | $173,407,400 | 620 |
| Average total loans | $735,786,000 | 842 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5083% | 2,810 |
| Cost of funding earning assets | 0.0894% | 4,578 |
| Net interest margin | 3.4189% | 2,103 |
| Noninterest income to average assets | 0.8009% | 1,525 |
| Noninterest expense to average assets | 2.5950% | 1,850 |
| Loan and lease loss provision to assets | 0.0374% | 2,245 |
| Net operating income to assets | 1.3396% | 1,717 |
| Return on assets (ROA) | 1.3396% | 1,770 |
| Pretax return on assets | 1.2646% | 2,718 |
| Return on Equity (ROE) | 12.4779% | 1,872 |
| Retained earnings to average equity (ytd only) | 11.2750% | 996 |
| Net charge-offs to loans | 0.0738% | 914 |
| Credit loss provision to net charge-offs | 108.4337% | 1,527 |
| Earnings coverage of net charge-offs (x) | 37.7277% | 1,406 |
| Efficiency ratio | 66.2626% | 2,068 |
| Assets per employee ($millions) | 6.4615% | 2,287 |
| Cash dividends to net income (ytd only)* | 9.6406% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,866 |
| Loan loss allowance to noncurrent loans | 4,545.2489% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 4,133 |
| Noncurrent loans to loans | 0.0316% | 3,976 |
| Net loans and leases to total assets | 40.8742% | 4,160 |
| Net loans and leases to deposits | 46.7641% | 4,198 |
| Net loans and leases to core deposits | 46.8434% | 4,287 |
| Total domestic deposits to total assets | 87.4051% | 2,152 |
| Equity capital to assets | 10.4549% | 2,484 |
| Core capital (leverage) ratio | 9.1350% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8827% | 1,372 |
| Memoranda: | ||
| Average total assets | $1,603,270,250 | 655 |
| Average earning assets | $1,451,939,500 | 664 |
| Average equity | $172,129,000 | 631 |
| Average total loans | $749,582,000 | 851 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5195% | 2,832 |
| Cost of funding earning assets | 0.0891% | 4,644 |
| Net interest margin | 3.4304% | 2,063 |
| Noninterest income to average assets | 0.8398% | 1,425 |
| Noninterest expense to average assets | 2.5840% | 1,898 |
| Loan and lease loss provision to assets | 0.0381% | 2,233 |
| Net operating income to assets | 1.1137% | 2,493 |
| Return on assets (ROA) | 1.1137% | 2,559 |
| Pretax return on assets | 1.3343% | 2,540 |
| Return on Equity (ROE) | 10.2769% | 2,656 |
| Retained earnings to average equity (ytd only) | 9.0645% | 1,689 |
| Net charge-offs to loans | 0.1355% | 588 |
| Credit loss provision to net charge-offs | 57.8035% | 1,570 |
| Earnings coverage of net charge-offs (x) | 20.8304% | 1,519 |
| Efficiency ratio | 64.9854% | 2,302 |
| Assets per employee ($millions) | 6.2762% | 2,360 |
| Cash dividends to net income (ytd only)* | 11.7976% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,280 |
| Loan loss allowance to noncurrent loans | 1,139.8137% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 3,889 |
| Noncurrent loans to loans | 0.1168% | 3,606 |
| Net loans and leases to total assets | 44.2821% | 4,027 |
| Net loans and leases to deposits | 50.4630% | 4,079 |
| Net loans and leases to core deposits | 50.5516% | 4,212 |
| Total domestic deposits to total assets | 87.7516% | 1,958 |
| Equity capital to assets | 10.6600% | 2,259 |
| Core capital (leverage) ratio | 9.0157% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0242% | 1,333 |
| Memoranda: | ||
| Average total assets | $1,575,539,000 | 656 |
| Average earning assets | $1,431,387,667 | 667 |
| Average equity | $170,732,667 | 632 |
| Average total loans | $766,318,000 | 838 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5066% | 2,905 |
| Cost of funding earning assets | 0.0878% | 4,710 |
| Net interest margin | 3.4189% | 2,064 |
| Noninterest income to average assets | 0.6716% | 1,955 |
| Noninterest expense to average assets | 2.6376% | 1,773 |
| Loan and lease loss provision to assets | 0.0389% | 2,260 |
| Net operating income to assets | 0.9325% | 3,038 |
| Return on assets (ROA) | 0.9325% | 3,113 |
| Pretax return on assets | 1.1122% | 3,082 |
| Return on Equity (ROE) | 8.5314% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.3038% | 2,477 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2692% | 1,785 |
| Assets per employee ($millions) | 5.8830% | 2,713 |
| Cash dividends to net income (ytd only)* | 14.3889% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 2,420 |
| Loan loss allowance to noncurrent loans | 4,268.9076% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,269 |
| Noncurrent loans to loans | 0.0306% | 4,133 |
| Net loans and leases to total assets | 48.4033% | 3,769 |
| Net loans and leases to deposits | 55.1871% | 3,852 |
| Net loans and leases to core deposits | 55.3039% | 4,021 |
| Total domestic deposits to total assets | 87.7077% | 1,995 |
| Equity capital to assets | 10.3459% | 2,397 |
| Core capital (leverage) ratio | 9.2220% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0010% | 1,286 |
| Memoranda: | ||
| Average total assets | $1,544,260,000 | 663 |
| Average earning assets | $1,407,954,500 | 668 |
| Average equity | $168,788,500 | 634 |
| Average total loans | $781,889,500 | 825 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 2,583 |
| Cost of funding earning assets | 0.1067% | 4,850 |
| Net interest margin | 3.9432% | 1,106 |
| Noninterest income to average assets | 0.7605% | 1,659 |
| Noninterest expense to average assets | 3.0333% | 1,369 |
| Loan and lease loss provision to assets | 0.1153% | 2,910 |
| Net operating income to assets | 1.4578% | 905 |
| Return on assets (ROA) | 1.4578% | 983 |
| Pretax return on assets | 1.1902% | 2,358 |
| Return on Equity (ROE) | 12.9188% | 1,064 |
| Retained earnings to average equity (ytd only) | 12.2886% | 292 |
| Net charge-offs to loans | 0.0004% | 3,432 |
| Credit loss provision to net charge-offs | 51,666.6667% | 19 |
| Earnings coverage of net charge-offs (x) | 5,850.0000% | 12 |
| Efficiency ratio | 69.5602% | 2,010 |
| Assets per employee ($millions) | 5.6184% | 2,721 |
| Cash dividends to net income (ytd only)* | 4.8783% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,540 |
| Loan loss allowance to noncurrent loans | 4,036.2903% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 4,320 |
| Noncurrent loans to loans | 0.0316% | 4,186 |
| Net loans and leases to total assets | 51.6473% | 3,691 |
| Net loans and leases to deposits | 59.6934% | 3,788 |
| Net loans and leases to core deposits | 59.8414% | 3,953 |
| Total domestic deposits to total assets | 86.5209% | 2,133 |
| Equity capital to assets | 11.5486% | 1,847 |
| Core capital (leverage) ratio | 9.2593% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6552% | 1,360 |
| Memoranda: | ||
| Average total assets | $1,344,259,400 | 683 |
| Average earning assets | $1,219,871,000 | 687 |
| Average equity | $151,693,600 | 668 |
| Average total loans | $793,922,600 | 791 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1828% | 2,439 |
| Cost of funding earning assets | 0.1120% | 4,903 |
| Net interest margin | 4.0709% | 948 |
| Noninterest income to average assets | 0.7543% | 1,635 |
| Noninterest expense to average assets | 3.0946% | 1,246 |
| Loan and lease loss provision to assets | 0.1430% | 2,590 |
| Net operating income to assets | 1.6349% | 672 |
| Return on assets (ROA) | 1.6349% | 742 |
| Pretax return on assets | 1.2077% | 2,366 |
| Return on Equity (ROE) | 14.5863% | 769 |
| Retained earnings to average equity (ytd only) | 14.1507% | 247 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2640% | 1,995 |
| Assets per employee ($millions) | 5.4238% | 2,777 |
| Cash dividends to net income (ytd only)* | 2.9864% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,609 |
| Loan loss allowance to noncurrent loans | 3,837.7432% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 4,393 |
| Noncurrent loans to loans | 0.0315% | 4,269 |
| Net loans and leases to total assets | 54.5768% | 3,747 |
| Net loans and leases to deposits | 62.9891% | 3,861 |
| Net loans and leases to core deposits | 63.1601% | 4,045 |
| Total domestic deposits to total assets | 86.6447% | 1,799 |
| Equity capital to assets | 11.3518% | 2,113 |
| Core capital (leverage) ratio | 9.1378% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0569% | 1,489 |
| Memoranda: | ||
| Average total assets | $1,305,298,500 | 684 |
| Average earning assets | $1,183,474,250 | 692 |
| Average equity | $146,306,750 | 682 |
| Average total loans | $796,210,250 | 785 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 2,607 |
| Cost of funding earning assets | 0.1259% | 4,930 |
| Net interest margin | 4.1244% | 1,069 |
| Noninterest income to average assets | 0.7768% | 1,499 |
| Noninterest expense to average assets | 3.1959% | 1,169 |
| Loan and lease loss provision to assets | 0.2002% | 2,046 |
| Net operating income to assets | 1.9115% | 399 |
| Return on assets (ROA) | 1.9115% | 441 |
| Pretax return on assets | 1.1171% | 2,661 |
| Return on Equity (ROE) | 17.1400% | 436 |
| Retained earnings to average equity (ytd only) | 17.1400% | 135 |
| Net charge-offs to loans | 0.0010% | 3,000 |
| Credit loss provision to net charge-offs | 31,250.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 2,056.0000% | 38 |
| Efficiency ratio | 70.4511% | 1,898 |
| Assets per employee ($millions) | 5.1145% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 2,712 |
| Loan loss allowance to noncurrent loans | 3,691.6350% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,462 |
| Noncurrent loans to loans | 0.0315% | 4,355 |
| Net loans and leases to total assets | 59.0917% | 3,420 |
| Net loans and leases to deposits | 67.9516% | 3,567 |
| Net loans and leases to core deposits | 68.7161% | 3,813 |
| Total domestic deposits to total assets | 86.9614% | 1,636 |
| Equity capital to assets | 10.9840% | 2,359 |
| Core capital (leverage) ratio | 9.2013% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3696% | 2,041 |
| Memoranda: | ||
| Average total assets | $1,248,644,667 | 697 |
| Average earning assets | $1,131,180,333 | 716 |
| Average equity | $139,253,000 | 705 |
| Average total loans | $789,943,000 | 779 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 2,042 |
| Cost of funding earning assets | 0.1454% | 4,977 |
| Net interest margin | 4.4392% | 580 |
| Noninterest income to average assets | 0.6272% | 1,916 |
| Noninterest expense to average assets | 3.3193% | 1,185 |
| Loan and lease loss provision to assets | 0.0511% | 3,138 |
| Net operating income to assets | 1.0759% | 1,920 |
| Return on assets (ROA) | 1.0759% | 2,022 |
| Pretax return on assets | 1.2901% | 1,893 |
| Return on Equity (ROE) | 9.5615% | 1,887 |
| Retained earnings to average equity (ytd only) | 9.5615% | 830 |
| Net charge-offs to loans | 0.0016% | 2,540 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 1,313.0000% | 39 |
| Efficiency ratio | 70.8504% | 2,242 |
| Assets per employee ($millions) | 4.2349% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 2,954 |
| Loan loss allowance to noncurrent loans | 3,188.5185% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,520 |
| Noncurrent loans to loans | 0.0360% | 4,416 |
| Net loans and leases to total assets | 62.8279% | 3,213 |
| Net loans and leases to deposits | 72.1891% | 3,419 |
| Net loans and leases to core deposits | 73.1209% | 3,686 |
| Total domestic deposits to total assets | 87.0324% | 1,542 |
| Equity capital to assets | 11.5321% | 2,411 |
| Core capital (leverage) ratio | 9.4603% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7272% | 2,377 |
| Memoranda: | ||
| Average total assets | $1,174,835,500 | 711 |
| Average earning assets | $1,067,403,500 | 716 |
| Average equity | $132,196,500 | 738 |
| Average total loans | $767,522,500 | 771 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 2,358 |
| Cost of funding earning assets | 0.1364% | 5,061 |
| Net interest margin | 4.5529% | 642 |
| Noninterest income to average assets | 0.8085% | 1,424 |
| Noninterest expense to average assets | 3.4838% | 983 |
| Loan and lease loss provision to assets | 0.0515% | 2,991 |
| Net operating income to assets | 1.3523% | 1,495 |
| Return on assets (ROA) | 1.3681% | 1,533 |
| Pretax return on assets | 1.4612% | 1,928 |
| Return on Equity (ROE) | 12.2650% | 1,414 |
| Retained earnings to average equity (ytd only) | 1.0761% | 4,362 |
| Net charge-offs to loans | 0.0099% | 3,330 |
| Credit loss provision to net charge-offs | 800.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 232.1600% | 356 |
| Efficiency ratio | 69.6071% | 2,236 |
| Assets per employee ($millions) | 4.2171% | 3,614 |
| Cash dividends to net income (ytd only)* | 91.2265% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,063 |
| Loan loss allowance to noncurrent loans | 3,044.2446% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 4,539 |
| Noncurrent loans to loans | 0.0355% | 4,419 |
| Net loans and leases to total assets | 66.3998% | 2,907 |
| Net loans and leases to deposits | 75.8385% | 3,199 |
| Net loans and leases to core deposits | 76.8883% | 3,522 |
| Total domestic deposits to total assets | 87.5541% | 1,342 |
| Equity capital to assets | 10.9694% | 3,028 |
| Core capital (leverage) ratio | 9.1735% | 4,377 |
| Tier 1 risk-based capital ratio | 11.7740% | 4,483 |
| Total risk-based capital ratio | 12.7188% | 4,526 |
| Memoranda: | ||
| Average total assets | $1,163,919,400 | 682 |
| Average earning assets | $1,066,370,200 | 679 |
| Average equity | $129,824,400 | 709 |
| Average total loans | $760,278,800 | 751 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 2,540 |
| Cost of funding earning assets | 0.1315% | 5,144 |
| Net interest margin | 4.5246% | 729 |
| Noninterest income to average assets | 0.7881% | 1,451 |
| Noninterest expense to average assets | 3.4713% | 980 |
| Loan and lease loss provision to assets | 0.0516% | 2,874 |
| Net operating income to assets | 1.3889% | 1,504 |
| Return on assets (ROA) | 1.4088% | 1,502 |
| Pretax return on assets | 1.4431% | 2,141 |
| Return on Equity (ROE) | 12.5779% | 1,420 |
| Retained earnings to average equity (ytd only) | 11.2666% | 476 |
| Net charge-offs to loans | 0.0081% | 3,082 |
| Credit loss provision to net charge-offs | 978.2609% | 364 |
| Earnings coverage of net charge-offs (x) | 279.5516% | 330 |
| Efficiency ratio | 69.8342% | 2,141 |
| Assets per employee ($millions) | 4.1365% | 3,701 |
| Cash dividends to net income (ytd only)* | 10.4257% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,119 |
| Loan loss allowance to noncurrent loans | 2,886.1592% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 4,622 |
| Noncurrent loans to loans | 0.0375% | 4,490 |
| Net loans and leases to total assets | 63.9658% | 3,291 |
| Net loans and leases to deposits | 73.6073% | 3,511 |
| Net loans and leases to core deposits | 74.5990% | 3,795 |
| Total domestic deposits to total assets | 86.9014% | 1,571 |
| Equity capital to assets | 11.7318% | 2,477 |
| Core capital (leverage) ratio | 10.0086% | 3,636 |
| Tier 1 risk-based capital ratio | 13.2910% | 3,694 |
| Total risk-based capital ratio | 14.2548% | 3,747 |
| Memoranda: | ||
| Average total assets | $1,162,864,750 | 680 |
| Average earning assets | $1,068,542,750 | 681 |
| Average equity | $130,246,000 | 704 |
| Average total loans | $754,322,500 | 758 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 2,503 |
| Cost of funding earning assets | 0.1301% | 5,193 |
| Net interest margin | 4.5242% | 728 |
| Noninterest income to average assets | 0.8006% | 1,345 |
| Noninterest expense to average assets | 3.4653% | 1,000 |
| Loan and lease loss provision to assets | 0.0520% | 2,778 |
| Net operating income to assets | 1.5190% | 1,097 |
| Return on assets (ROA) | 1.5497% | 1,056 |
| Pretax return on assets | 1.4687% | 1,959 |
| Return on Equity (ROE) | 14.0658% | 966 |
| Retained earnings to average equity (ytd only) | 12.8807% | 312 |
| Net charge-offs to loans | 0.0171% | 2,541 |
| Credit loss provision to net charge-offs | 468.7500% | 631 |
| Earnings coverage of net charge-offs (x) | 134.2656% | 547 |
| Efficiency ratio | 69.5734% | 2,298 |
| Assets per employee ($millions) | 3.9917% | 3,872 |
| Cash dividends to net income (ytd only)* | 8.4256% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 3,222 |
| Loan loss allowance to noncurrent loans | 5,412.5828% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 4,730 |
| Noncurrent loans to loans | 0.0198% | 4,627 |
| Net loans and leases to total assets | 64.4248% | 3,294 |
| Net loans and leases to deposits | 74.6753% | 3,460 |
| Net loans and leases to core deposits | 75.0061% | 3,818 |
| Total domestic deposits to total assets | 86.2732% | 1,907 |
| Equity capital to assets | 11.4727% | 2,622 |
| Core capital (leverage) ratio | 9.9179% | 3,679 |
| Tier 1 risk-based capital ratio | 13.2760% | 3,704 |
| Total risk-based capital ratio | 14.2435% | 3,749 |
| Memoranda: | ||
| Average total assets | $1,153,387,000 | 685 |
| Average earning assets | $1,059,191,330 | 685 |
| Average equity | $127,074,330 | 713 |
| Average total loans | $748,975,330 | 762 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 2,412 |
| Cost of funding earning assets | 0.1251% | 5,249 |
| Net interest margin | 4.5159% | 717 |
| Noninterest income to average assets | 0.7760% | 1,345 |
| Noninterest expense to average assets | 3.5345% | 918 |
| Loan and lease loss provision to assets | 0.0524% | 2,612 |
| Net operating income to assets | 1.7508% | 659 |
| Return on assets (ROA) | 1.7623% | 653 |
| Pretax return on assets | 1.3485% | 2,265 |
| Return on Equity (ROE) | 16.3407% | 550 |
| Retained earnings to average equity (ytd only) | 15.4501% | 248 |
| Net charge-offs to loans | 0.0065% | 2,467 |
| Credit loss provision to net charge-offs | 1,250.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 331.5000% | 245 |
| Efficiency ratio | 71.4215% | 2,127 |
| Assets per employee ($millions) | 3.9670% | 3,971 |
| Cash dividends to net income (ytd only)* | 5.4499% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,215 |
| Loan loss allowance to noncurrent loans | 1,856.3218% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 4,649 |
| Noncurrent loans to loans | 0.0584% | 4,501 |
| Net loans and leases to total assets | 63.8447% | 3,308 |
| Net loans and leases to deposits | 72.9809% | 3,533 |
| Net loans and leases to core deposits | 73.3687% | 3,835 |
| Total domestic deposits to total assets | 87.4814% | 1,576 |
| Equity capital to assets | 11.0415% | 2,808 |
| Core capital (leverage) ratio | 9.7148% | 3,902 |
| Tier 1 risk-based capital ratio | 13.1798% | 3,785 |
| Total risk-based capital ratio | 14.1589% | 3,819 |
| Memoranda: | ||
| Average total assets | $1,145,289,500 | 694 |
| Average earning assets | $1,051,924,500 | 693 |
| Average equity | $123,520,000 | 732 |
| Average total loans | $742,626,000 | 773 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 2,797 |
| Cost of funding earning assets | 0.0831% | 5,322 |
| Net interest margin | 4.3066% | 1,133 |
| Noninterest income to average assets | 0.7604% | 1,604 |
| Noninterest expense to average assets | 3.3788% | 1,187 |
| Loan and lease loss provision to assets | 0.0420% | 3,350 |
| Net operating income to assets | 1.3053% | 1,775 |
| Return on assets (ROA) | 1.2491% | 1,972 |
| Pretax return on assets | 1.2491% | 2,697 |
| Return on Equity (ROE) | 11.5359% | 1,888 |
| Retained earnings to average equity (ytd only) | -0.8755% | 5,078 |
| Net charge-offs to loans | -0.0304% | 4,817 |
| Credit loss provision to net charge-offs | -224.2991% | 4,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1158% | 2,029 |
| Assets per employee ($millions) | 3.8778% | 4,062 |
| Cash dividends to net income (ytd only)* | 107.5894% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,255 |
| Loan loss allowance to noncurrent loans | 2,390.6627% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 4,718 |
| Noncurrent loans to loans | 0.0449% | 4,544 |
| Net loans and leases to total assets | 64.4455% | 3,309 |
| Net loans and leases to deposits | 73.1162% | 3,578 |
| Net loans and leases to core deposits | 73.4221% | 3,893 |
| Total domestic deposits to total assets | 88.1413% | 1,240 |
| Equity capital to assets | 10.5245% | 3,155 |
| Core capital (leverage) ratio | 9.1575% | 4,500 |
| Tier 1 risk-based capital ratio | 12.6978% | 4,013 |
| Total risk-based capital ratio | 13.6681% | 4,057 |
| Memoranda: | ||
| Average total assets | $1,143,441,800 | 673 |
| Average earning assets | $1,052,922,200 | 667 |
| Average equity | $123,813,000 | 698 |
| Average total loans | $704,585,400 | 784 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 2,950 |
| Cost of funding earning assets | 0.0716% | 5,403 |
| Net interest margin | 4.2331% | 1,280 |
| Noninterest income to average assets | 0.7678% | 1,588 |
| Noninterest expense to average assets | 3.3560% | 1,187 |
| Loan and lease loss provision to assets | 0.0419% | 3,153 |
| Net operating income to assets | 1.2680% | 1,972 |
| Return on assets (ROA) | 1.2632% | 1,995 |
| Pretax return on assets | 1.2632% | 2,756 |
| Return on Equity (ROE) | 11.5849% | 1,963 |
| Retained earnings to average equity (ytd only) | 7.8692% | 1,715 |
| Net charge-offs to loans | -0.0728% | 5,068 |
| Credit loss provision to net charge-offs | -94.7368% | 4,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5437% | 1,955 |
| Assets per employee ($millions) | 3.9433% | 3,979 |
| Cash dividends to net income (ytd only)* | 32.0737% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 3,232 |
| Loan loss allowance to noncurrent loans | 1,116.5035% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 4,662 |
| Noncurrent loans to loans | 0.0979% | 4,454 |
| Net loans and leases to total assets | 62.9438% | 3,552 |
| Net loans and leases to deposits | 71.7361% | 3,794 |
| Net loans and leases to core deposits | 72.0400% | 4,082 |
| Total domestic deposits to total assets | 87.7435% | 1,362 |
| Equity capital to assets | 10.8929% | 2,763 |
| Core capital (leverage) ratio | 9.9061% | 3,734 |
| Tier 1 risk-based capital ratio | 13.6136% | 3,566 |
| Total risk-based capital ratio | 14.5817% | 3,636 |
| Memoranda: | ||
| Average total assets | $1,145,256,250 | 666 |
| Average earning assets | $1,054,651,500 | 663 |
| Average equity | $124,871,750 | 686 |
| Average total loans | $695,692,500 | 793 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 3,105 |
| Cost of funding earning assets | 0.0630% | 5,468 |
| Net interest margin | 4.1389% | 1,448 |
| Noninterest income to average assets | 0.7549% | 1,624 |
| Noninterest expense to average assets | 3.3006% | 1,320 |
| Loan and lease loss provision to assets | 0.0419% | 3,064 |
| Net operating income to assets | 1.2215% | 2,092 |
| Return on assets (ROA) | 1.2293% | 2,063 |
| Pretax return on assets | 1.2293% | 2,825 |
| Return on Equity (ROE) | 11.2712% | 2,007 |
| Retained earnings to average equity (ytd only) | 7.5911% | 1,800 |
| Net charge-offs to loans | -0.0479% | 4,909 |
| Credit loss provision to net charge-offs | -146.3415% | 4,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9274% | 2,019 |
| Assets per employee ($millions) | 3.8523% | 4,129 |
| Cash dividends to net income (ytd only)* | 32.6510% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,387 |
| Loan loss allowance to noncurrent loans | 708.0556% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 4,487 |
| Noncurrent loans to loans | 0.1525% | 4,221 |
| Net loans and leases to total assets | 61.0225% | 3,710 |
| Net loans and leases to deposits | 69.5521% | 3,898 |
| Net loans and leases to core deposits | 69.8648% | 4,152 |
| Total domestic deposits to total assets | 87.7364% | 1,513 |
| Equity capital to assets | 10.8708% | 2,763 |
| Core capital (leverage) ratio | 9.8068% | 3,780 |
| Tier 1 risk-based capital ratio | 13.6079% | 3,561 |
| Total risk-based capital ratio | 14.5574% | 3,652 |
| Memoranda: | ||
| Average total assets | $1,144,513,000 | 669 |
| Average earning assets | $1,053,313,330 | 668 |
| Average equity | $124,831,000 | 689 |
| Average total loans | $684,172,000 | 803 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 3,091 |
| Cost of funding earning assets | 0.0521% | 5,550 |
| Net interest margin | 4.0870% | 1,471 |
| Noninterest income to average assets | 0.7431% | 1,646 |
| Noninterest expense to average assets | 3.2776% | 1,390 |
| Loan and lease loss provision to assets | 0.0420% | 2,918 |
| Net operating income to assets | 1.1876% | 2,061 |
| Return on assets (ROA) | 1.2034% | 2,000 |
| Pretax return on assets | 1.2034% | 2,735 |
| Return on Equity (ROE) | 11.0149% | 1,963 |
| Retained earnings to average equity (ytd only) | 6.6865% | 2,419 |
| Net charge-offs to loans | -0.0958% | 5,191 |
| Credit loss provision to net charge-offs | -74.5342% | 3,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3227% | 2,145 |
| Assets per employee ($millions) | 3.8783% | 4,182 |
| Cash dividends to net income (ytd only)* | 39.2961% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,431 |
| Loan loss allowance to noncurrent loans | 3,373.9910% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 4,979 |
| Noncurrent loans to loans | 0.0324% | 4,832 |
| Net loans and leases to total assets | 59.3125% | 3,815 |
| Net loans and leases to deposits | 67.4823% | 3,984 |
| Net loans and leases to core deposits | 67.8188% | 4,227 |
| Total domestic deposits to total assets | 87.8935% | 1,682 |
| Equity capital to assets | 10.7199% | 2,853 |
| Core capital (leverage) ratio | 9.6225% | 3,938 |
| Tier 1 risk-based capital ratio | 13.5609% | 3,624 |
| Total risk-based capital ratio | 14.5155% | 3,705 |
| Memoranda: | ||
| Average total assets | $1,142,780,500 | 675 |
| Average earning assets | $1,052,517,000 | 670 |
| Average equity | $124,849,500 | 688 |
| Average total loans | $672,172,000 | 816 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 3,534 |
| Cost of funding earning assets | 0.0541% | 5,608 |
| Net interest margin | 3.9059% | 2,074 |
| Noninterest income to average assets | 0.7261% | 1,862 |
| Noninterest expense to average assets | 3.1199% | 1,801 |
| Loan and lease loss provision to assets | 0.0315% | 3,646 |
| Net operating income to assets | 1.1815% | 1,577 |
| Return on assets (ROA) | 1.1709% | 1,637 |
| Pretax return on assets | 1.1709% | 2,889 |
| Return on Equity (ROE) | 11.0120% | 1,482 |
| Retained earnings to average equity (ytd only) | 7.0072% | 1,072 |
| Net charge-offs to loans | 0.0022% | 4,040 |
| Credit loss provision to net charge-offs | 2,571.4286% | 151 |
| Earnings coverage of net charge-offs (x) | 991.6429% | 83 |
| Efficiency ratio | 71.5942% | 2,293 |
| Assets per employee ($millions) | 3.9637% | 4,024 |
| Cash dividends to net income (ytd only)* | 36.3677% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,334 |
| Loan loss allowance to noncurrent loans | 3,812.1053% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 5,029 |
| Noncurrent loans to loans | 0.0290% | 4,880 |
| Net loans and leases to total assets | 57.0228% | 4,109 |
| Net loans and leases to deposits | 65.1725% | 4,245 |
| Net loans and leases to core deposits | 65.4866% | 4,443 |
| Total domestic deposits to total assets | 87.4952% | 1,765 |
| Equity capital to assets | 11.1321% | 2,505 |
| Core capital (leverage) ratio | 9.2514% | 4,344 |
| Tier 1 risk-based capital ratio | 13.8073% | 3,470 |
| Total risk-based capital ratio | 14.7604% | 3,532 |
| Memoranda: | ||
| Average total assets | $1,144,568,400 | 649 |
| Average earning assets | $1,056,892,800 | 643 |
| Average equity | $121,703,400 | 674 |
| Average total loans | $636,526,800 | 827 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 3,681 |
| Cost of funding earning assets | 0.0564% | 5,670 |
| Net interest margin | 3.8427% | 2,244 |
| Noninterest income to average assets | 0.7102% | 1,958 |
| Noninterest expense to average assets | 3.0767% | 1,870 |
| Loan and lease loss provision to assets | 0.0314% | 3,490 |
| Net operating income to assets | 1.1539% | 1,862 |
| Return on assets (ROA) | 1.1693% | 1,849 |
| Pretax return on assets | 1.1693% | 3,023 |
| Return on Equity (ROE) | 11.1261% | 1,647 |
| Retained earnings to average equity (ytd only) | 6.9659% | 1,709 |
| Net charge-offs to loans | 0.0118% | 3,312 |
| Credit loss provision to net charge-offs | 482.1429% | 663 |
| Earnings coverage of net charge-offs (x) | 181.9938% | 470 |
| Efficiency ratio | 71.7709% | 2,233 |
| Assets per employee ($millions) | 4.1127% | 3,801 |
| Cash dividends to net income (ytd only)* | 37.3918% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 3,381 |
| Loan loss allowance to noncurrent loans | 1,472.2567% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,784 |
| Noncurrent loans to loans | 0.0761% | 4,770 |
| Net loans and leases to total assets | 53.9298% | 4,421 |
| Net loans and leases to deposits | 61.2572% | 4,573 |
| Net loans and leases to core deposits | 61.5443% | 4,739 |
| Total domestic deposits to total assets | 88.0382% | 1,345 |
| Equity capital to assets | 10.7569% | 3,111 |
| Core capital (leverage) ratio | 8.9729% | 4,771 |
| Tier 1 risk-based capital ratio | 13.8456% | 3,512 |
| Total risk-based capital ratio | 14.8048% | 3,585 |
| Memoranda: | ||
| Average total assets | $1,146,313,500 | 653 |
| Average earning assets | $1,059,538,000 | 643 |
| Average equity | $120,470,000 | 684 |
| Average total loans | $631,676,500 | 834 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8471% | 3,731 |
| Cost of funding earning assets | 0.0600% | 5,703 |
| Net interest margin | 3.7871% | 2,336 |
| Noninterest income to average assets | 0.7043% | 1,967 |
| Noninterest expense to average assets | 3.0625% | 1,933 |
| Loan and lease loss provision to assets | 0.0316% | 3,367 |
| Net operating income to assets | 1.1106% | 1,923 |
| Return on assets (ROA) | 1.1338% | 1,890 |
| Pretax return on assets | 1.1338% | 3,037 |
| Return on Equity (ROE) | 10.8753% | 1,689 |
| Retained earnings to average equity (ytd only) | 6.9440% | 1,618 |
| Net charge-offs to loans | 0.0130% | 3,000 |
| Credit loss provision to net charge-offs | 439.0244% | 735 |
| Earnings coverage of net charge-offs (x) | 158.8537% | 480 |
| Efficiency ratio | 72.4099% | 2,276 |
| Assets per employee ($millions) | 4.0663% | 3,851 |
| Cash dividends to net income (ytd only)* | 36.1485% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,581 |
| Loan loss allowance to noncurrent loans | 1,398.8072% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 4,816 |
| Noncurrent loans to loans | 0.0787% | 4,821 |
| Net loans and leases to total assets | 54.9353% | 4,319 |
| Net loans and leases to deposits | 62.5496% | 4,466 |
| Net loans and leases to core deposits | 62.8459% | 4,675 |
| Total domestic deposits to total assets | 87.8268% | 1,546 |
| Equity capital to assets | 10.7762% | 3,052 |
| Core capital (leverage) ratio | 9.0087% | 4,712 |
| Tier 1 risk-based capital ratio | 13.7222% | 3,574 |
| Total risk-based capital ratio | 14.6835% | 3,649 |
| Memoranda: | ||
| Average total assets | $1,140,453,670 | 657 |
| Average earning assets | $1,054,092,330 | 646 |
| Average equity | $118,893,670 | 694 |
| Average total loans | $630,636,670 | 834 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 3,692 |
| Cost of funding earning assets | 0.0644% | 5,758 |
| Net interest margin | 3.7550% | 2,282 |
| Noninterest income to average assets | 0.7047% | 1,944 |
| Noninterest expense to average assets | 3.0850% | 1,904 |
| Loan and lease loss provision to assets | 0.0317% | 3,149 |
| Net operating income to assets | 1.0598% | 2,031 |
| Return on assets (ROA) | 1.0598% | 2,072 |
| Pretax return on assets | 1.0598% | 3,136 |
| Return on Equity (ROE) | 10.3425% | 1,805 |
| Retained earnings to average equity (ytd only) | 5.7661% | 2,461 |
| Net charge-offs to loans | -0.0070% | 4,286 |
| Credit loss provision to net charge-offs | -818.1818% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4351% | 2,333 |
| Assets per employee ($millions) | 3.9862% | 4,035 |
| Cash dividends to net income (ytd only)* | 44.2487% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 3,644 |
| Loan loss allowance to noncurrent loans | 2,070.4142% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,954 |
| Noncurrent loans to loans | 0.0537% | 4,980 |
| Net loans and leases to total assets | 54.5728% | 4,294 |
| Net loans and leases to deposits | 61.8371% | 4,447 |
| Net loans and leases to core deposits | 62.3992% | 4,624 |
| Total domestic deposits to total assets | 88.2525% | 1,558 |
| Equity capital to assets | 10.3955% | 3,297 |
| Core capital (leverage) ratio | 8.8949% | 4,846 |
| Tier 1 risk-based capital ratio | 13.4641% | 3,795 |
| Total risk-based capital ratio | 14.4261% | 3,885 |
| Memoranda: | ||
| Average total assets | $1,135,295,500 | 663 |
| Average earning assets | $1,049,701,000 | 650 |
| Average equity | $116,336,000 | 711 |
| Average total loans | $626,347,500 | 837 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6699% | 4,310 |
| Cost of funding earning assets | 0.0927% | 5,732 |
| Net interest margin | 3.5772% | 3,158 |
| Noninterest income to average assets | 0.7585% | 1,924 |
| Noninterest expense to average assets | 3.0156% | 2,305 |
| Loan and lease loss provision to assets | 0.0050% | 4,257 |
| Net operating income to assets | 1.0361% | 2,206 |
| Return on assets (ROA) | 1.0547% | 2,217 |
| Pretax return on assets | 1.0547% | 3,282 |
| Return on Equity (ROE) | 9.9262% | 1,989 |
| Retained earnings to average equity (ytd only) | 6.4477% | 1,475 |
| Net charge-offs to loans | -0.0013% | 4,668 |
| Credit loss provision to net charge-offs | -700.0000% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8870% | 2,303 |
| Assets per employee ($millions) | 3.9668% | 4,030 |
| Cash dividends to net income (ytd only)* | 35.0435% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,676 |
| Loan loss allowance to noncurrent loans | 1,212.1265% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,919 |
| Noncurrent loans to loans | 0.0913% | 4,874 |
| Net loans and leases to total assets | 54.5440% | 4,391 |
| Net loans and leases to deposits | 61.5946% | 4,567 |
| Net loans and leases to core deposits | 62.2396% | 4,742 |
| Total domestic deposits to total assets | 88.5533% | 1,352 |
| Equity capital to assets | 10.0976% | 3,610 |
| Core capital (leverage) ratio | 8.6206% | 5,152 |
| Tier 1 risk-based capital ratio | 13.4215% | 3,819 |
| Total risk-based capital ratio | 14.3792% | 3,908 |
| Memoranda: | ||
| Average total assets | $1,121,751,200 | 641 |
| Average earning assets | $1,034,246,000 | 640 |
| Average equity | $119,189,800 | 669 |
| Average total loans | $601,064,400 | 833 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6425% | 4,431 |
| Cost of funding earning assets | 0.1002% | 5,770 |
| Net interest margin | 3.5423% | 3,305 |
| Noninterest income to average assets | 0.7690% | 1,891 |
| Noninterest expense to average assets | 2.9843% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0471% | 2,211 |
| Return on assets (ROA) | 1.0859% | 2,160 |
| Pretax return on assets | 1.0859% | 3,288 |
| Return on Equity (ROE) | 10.0932% | 2,016 |
| Retained earnings to average equity (ytd only) | 6.6948% | 1,789 |
| Net charge-offs to loans | -0.0034% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5754% | 2,364 |
| Assets per employee ($millions) | 4.0928% | 3,804 |
| Cash dividends to net income (ytd only)* | 33.6697% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,667 |
| Loan loss allowance to noncurrent loans | 1,574.2529% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 4,951 |
| Noncurrent loans to loans | 0.0718% | 5,061 |
| Net loans and leases to total assets | 52.0563% | 4,655 |
| Net loans and leases to deposits | 59.2205% | 4,808 |
| Net loans and leases to core deposits | 59.8309% | 4,936 |
| Total domestic deposits to total assets | 87.9025% | 1,444 |
| Equity capital to assets | 10.9148% | 3,108 |
| Core capital (leverage) ratio | 8.4348% | 5,410 |
| Tier 1 risk-based capital ratio | 13.3455% | 3,954 |
| Total risk-based capital ratio | 14.3177% | 4,025 |
| Memoranda: | ||
| Average total assets | $1,119,555,500 | 642 |
| Average earning assets | $1,031,094,500 | 639 |
| Average equity | $120,448,000 | 668 |
| Average total loans | $595,446,500 | 838 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6193% | 4,534 |
| Cost of funding earning assets | 0.1093% | 5,815 |
| Net interest margin | 3.5100% | 3,454 |
| Noninterest income to average assets | 0.7716% | 1,842 |
| Noninterest expense to average assets | 2.9591% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0427% | 2,216 |
| Return on assets (ROA) | 1.0885% | 2,125 |
| Pretax return on assets | 1.0885% | 3,245 |
| Return on Equity (ROE) | 10.1689% | 1,972 |
| Retained earnings to average equity (ytd only) | 6.9505% | 1,630 |
| Net charge-offs to loans | -0.0044% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4841% | 2,435 |
| Assets per employee ($millions) | 4.1702% | 3,619 |
| Cash dividends to net income (ytd only)* | 31.6496% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 3,705 |
| Loan loss allowance to noncurrent loans | 1,270.1299% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 4,967 |
| Noncurrent loans to loans | 0.0899% | 5,095 |
| Net loans and leases to total assets | 52.8226% | 4,607 |
| Net loans and leases to deposits | 60.2848% | 4,775 |
| Net loans and leases to core deposits | 61.3077% | 4,916 |
| Total domestic deposits to total assets | 87.6218% | 1,616 |
| Equity capital to assets | 11.2791% | 2,768 |
| Core capital (leverage) ratio | 8.4583% | 5,398 |
| Tier 1 risk-based capital ratio | 13.1302% | 4,115 |
| Total risk-based capital ratio | 14.1065% | 4,194 |
| Memoranda: | ||
| Average total assets | $1,109,379,670 | 649 |
| Average earning assets | $1,020,966,330 | 644 |
| Average equity | $118,754,330 | 675 |
| Average total loans | $592,082,330 | 836 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5936% | 4,628 |
| Cost of funding earning assets | 0.1140% | 5,849 |
| Net interest margin | 3.4796% | 3,557 |
| Noninterest income to average assets | 0.7752% | 1,709 |
| Noninterest expense to average assets | 2.9544% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0189% | 2,195 |
| Return on assets (ROA) | 1.0432% | 2,226 |
| Pretax return on assets | 1.0432% | 3,310 |
| Return on Equity (ROE) | 10.0185% | 1,976 |
| Retained earnings to average equity (ytd only) | 5.5821% | 2,594 |
| Net charge-offs to loans | -0.0007% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8912% | 2,495 |
| Assets per employee ($millions) | 4.1712% | 3,639 |
| Cash dividends to net income (ytd only)* | 44.2822% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 3,755 |
| Loan loss allowance to noncurrent loans | 1,406.1728% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 5,040 |
| Noncurrent loans to loans | 0.0820% | 5,152 |
| Net loans and leases to total assets | 52.4227% | 4,589 |
| Net loans and leases to deposits | 59.2663% | 4,765 |
| Net loans and leases to core deposits | 60.3807% | 4,914 |
| Total domestic deposits to total assets | 88.4528% | 1,376 |
| Equity capital to assets | 10.4696% | 3,537 |
| Core capital (leverage) ratio | 8.3714% | 5,493 |
| Tier 1 risk-based capital ratio | 12.9051% | 4,321 |
| Total risk-based capital ratio | 13.8901% | 4,403 |
| Memoranda: | ||
| Average total assets | $1,103,171,500 | 654 |
| Average earning assets | $1,013,908,000 | 650 |
| Average equity | $114,867,500 | 694 |
| Average total loans | $588,419,500 | 839 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4085% | 5,138 |
| Cost of funding earning assets | 0.1625% | 5,588 |
| Net interest margin | 3.2461% | 4,483 |
| Noninterest income to average assets | 0.7936% | 1,812 |
| Noninterest expense to average assets | 2.9249% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8408% | 3,153 |
| Return on assets (ROA) | 0.8727% | 3,091 |
| Pretax return on assets | 0.8727% | 3,945 |
| Return on Equity (ROE) | 8.2393% | 2,822 |
| Retained earnings to average equity (ytd only) | -7.0454% | 5,981 |
| Net charge-offs to loans | -0.0523% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5122% | 2,050 |
| Assets per employee ($millions) | 4.0305% | 3,878 |
| Cash dividends to net income (ytd only)* | 185.5097% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 3,645 |
| Loan loss allowance to noncurrent loans | 1,316.5703% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 5,028 |
| Noncurrent loans to loans | 0.0889% | 5,142 |
| Net loans and leases to total assets | 53.0347% | 4,595 |
| Net loans and leases to deposits | 59.8663% | 4,787 |
| Net loans and leases to core deposits | 61.0858% | 4,924 |
| Total domestic deposits to total assets | 88.5885% | 1,332 |
| Equity capital to assets | 10.3372% | 3,580 |
| Core capital (leverage) ratio | 8.1885% | 5,711 |
| Tier 1 risk-based capital ratio | 12.8514% | 4,418 |
| Total risk-based capital ratio | 13.8474% | 4,465 |
| Memoranda: | ||
| Average total assets | $1,031,977,000 | 667 |
| Average earning assets | $944,869,600 | 670 |
| Average equity | $109,305,800 | 702 |
| Average total loans | $522,260,000 | 893 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3048% | 5,400 |
| Cost of funding earning assets | 0.1714% | 5,618 |
| Net interest margin | 3.1334% | 4,867 |
| Noninterest income to average assets | 0.7756% | 1,901 |
| Noninterest expense to average assets | 2.8889% | 2,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7552% | 3,659 |
| Return on assets (ROA) | 0.7836% | 3,589 |
| Pretax return on assets | 0.7836% | 4,387 |
| Return on Equity (ROE) | 7.3553% | 3,432 |
| Retained earnings to average equity (ytd only) | 4.7904% | 3,059 |
| Net charge-offs to loans | -0.0892% | 5,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2768% | 1,761 |
| Assets per employee ($millions) | 4.0867% | 3,726 |
| Cash dividends to net income (ytd only)* | 34.8712% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,589 |
| Loan loss allowance to noncurrent loans | 999.8551% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 4,798 |
| Noncurrent loans to loans | 0.1210% | 5,144 |
| Net loans and leases to total assets | 50.6739% | 4,876 |
| Net loans and leases to deposits | 56.9605% | 5,075 |
| Net loans and leases to core deposits | 58.2831% | 5,170 |
| Total domestic deposits to total assets | 88.9632% | 1,044 |
| Equity capital to assets | 9.9196% | 4,263 |
| Core capital (leverage) ratio | 7.7269% | 6,004 |
| Tier 1 risk-based capital ratio | 12.3966% | 4,825 |
| Total risk-based capital ratio | 13.4153% | 4,886 |
| Memoranda: | ||
| Average total assets | $1,017,836,500 | 681 |
| Average earning assets | $931,798,500 | 684 |
| Average equity | $108,435,750 | 718 |
| Average total loans | $506,829,750 | 924 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3487% | 5,345 |
| Cost of funding earning assets | 0.1844% | 5,580 |
| Net interest margin | 3.1643% | 4,772 |
| Noninterest income to average assets | 0.7916% | 1,813 |
| Noninterest expense to average assets | 2.9305% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7596% | 3,595 |
| Return on assets (ROA) | 0.8036% | 3,462 |
| Pretax return on assets | 0.8036% | 4,300 |
| Return on Equity (ROE) | 7.3526% | 3,406 |
| Retained earnings to average equity (ytd only) | 4.9209% | 2,905 |
| Net charge-offs to loans | -0.0815% | 5,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4155% | 1,849 |
| Assets per employee ($millions) | 4.0873% | 3,708 |
| Cash dividends to net income (ytd only)* | 33.0727% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 2,841 |
| Loan loss allowance to noncurrent loans | 579.0917% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 4,802 |
| Noncurrent loans to loans | 0.2386% | 4,808 |
| Net loans and leases to total assets | 47.9659% | 5,107 |
| Net loans and leases to deposits | 54.3942% | 5,229 |
| Net loans and leases to core deposits | 56.0728% | 5,304 |
| Total domestic deposits to total assets | 88.1820% | 1,559 |
| Equity capital to assets | 10.6826% | 3,233 |
| Core capital (leverage) ratio | 9.1139% | 4,801 |
| Tier 1 risk-based capital ratio | 14.8996% | 3,416 |
| Total risk-based capital ratio | 16.0275% | 3,417 |
| Memoranda: | ||
| Average total assets | $986,588,670 | 707 |
| Average earning assets | $903,706,330 | 701 |
| Average equity | $107,826,330 | 720 |
| Average total loans | $485,713,000 | 965 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3488% | 5,331 |
| Cost of funding earning assets | 0.2009% | 5,500 |
| Net interest margin | 3.1480% | 4,792 |
| Noninterest income to average assets | 0.7401% | 1,965 |
| Noninterest expense to average assets | 2.9588% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6619% | 4,001 |
| Return on assets (ROA) | 0.7454% | 3,694 |
| Pretax return on assets | 0.7454% | 4,444 |
| Return on Equity (ROE) | 6.7424% | 3,636 |
| Retained earnings to average equity (ytd only) | 3.6026% | 3,842 |
| Net charge-offs to loans | -0.1909% | 6,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7185% | 1,656 |
| Assets per employee ($millions) | 4.0100% | 3,940 |
| Cash dividends to net income (ytd only)* | 46.5678% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 2,947 |
| Loan loss allowance to noncurrent loans | 470.6168% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 4,756 |
| Noncurrent loans to loans | 0.2960% | 4,728 |
| Net loans and leases to total assets | 48.3395% | 4,998 |
| Net loans and leases to deposits | 55.0016% | 5,124 |
| Net loans and leases to core deposits | 56.7339% | 5,207 |
| Total domestic deposits to total assets | 87.8874% | 1,888 |
| Equity capital to assets | 10.9963% | 2,972 |
| Core capital (leverage) ratio | 9.0850% | 4,862 |
| Tier 1 risk-based capital ratio | 14.8827% | 3,493 |
| Total risk-based capital ratio | 16.0364% | 3,479 |
| Memoranda: | ||
| Average total assets | $977,142,500 | 713 |
| Average earning assets | $894,167,000 | 709 |
| Average equity | $108,033,500 | 713 |
| Average total loans | $484,046,500 | 969 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3611% | 5,602 |
| Cost of funding earning assets | 0.2668% | 5,137 |
| Net interest margin | 3.0943% | 5,222 |
| Noninterest income to average assets | 0.7496% | 2,074 |
| Noninterest expense to average assets | 2.8975% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6888% | 3,953 |
| Return on assets (ROA) | 0.7300% | 3,849 |
| Pretax return on assets | 0.7300% | 4,512 |
| Return on Equity (ROE) | 6.8230% | 3,737 |
| Retained earnings to average equity (ytd only) | 3.5618% | 3,694 |
| Net charge-offs to loans | 0.1074% | 2,976 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.3893% | 2,270 |
| Efficiency ratio | 80.7948% | 1,805 |
| Assets per employee ($millions) | 3.9661% | 4,029 |
| Cash dividends to net income (ytd only)* | 47.7978% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 3,107 |
| Loan loss allowance to noncurrent loans | 127.3045% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 3,685 |
| Noncurrent loans to loans | 1.0723% | 2,673 |
| Net loans and leases to total assets | 49.3866% | 5,029 |
| Net loans and leases to deposits | 56.4129% | 5,155 |
| Net loans and leases to core deposits | 58.3188% | 5,243 |
| Total domestic deposits to total assets | 87.5450% | 2,010 |
| Equity capital to assets | 11.1180% | 2,785 |
| Core capital (leverage) ratio | 9.2202% | 4,649 |
| Tier 1 risk-based capital ratio | 14.9494% | 3,515 |
| Total risk-based capital ratio | 16.0816% | 3,517 |
| Memoranda: | ||
| Average total assets | $948,673,800 | 707 |
| Average earning assets | $869,684,000 | 705 |
| Average equity | $101,494,200 | 721 |
| Average total loans | $454,528,400 | 971 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3736% | 5,633 |
| Cost of funding earning assets | 0.2777% | 5,125 |
| Net interest margin | 3.0959% | 5,269 |
| Noninterest income to average assets | 0.7475% | 2,107 |
| Noninterest expense to average assets | 2.8971% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6901% | 3,994 |
| Return on assets (ROA) | 0.7459% | 3,790 |
| Pretax return on assets | 0.7459% | 4,537 |
| Return on Equity (ROE) | 7.0424% | 3,695 |
| Retained earnings to average equity (ytd only) | 3.7155% | 3,997 |
| Net charge-offs to loans | 0.0679% | 3,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 21.4739% | 1,675 |
| Efficiency ratio | 80.7615% | 1,800 |
| Assets per employee ($millions) | 3.9777% | 3,938 |
| Cash dividends to net income (ytd only)* | 47.2411% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 2,859 |
| Loan loss allowance to noncurrent loans | 545.1639% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 5,276 |
| Noncurrent loans to loans | 0.2695% | 5,107 |
| Net loans and leases to total assets | 47.9168% | 5,213 |
| Net loans and leases to deposits | 54.5857% | 5,335 |
| Net loans and leases to core deposits | 56.4547% | 5,420 |
| Total domestic deposits to total assets | 87.7826% | 1,873 |
| Equity capital to assets | 10.9680% | 2,987 |
| Core capital (leverage) ratio | 9.1746% | 4,819 |
| Tier 1 risk-based capital ratio | 15.0354% | 3,560 |
| Total risk-based capital ratio | 16.2302% | 3,526 |
| Memoranda: | ||
| Average total assets | $945,891,250 | 711 |
| Average earning assets | $867,613,250 | 708 |
| Average equity | $100,190,000 | 731 |
| Average total loans | $448,016,750 | 988 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4029% | 5,614 |
| Cost of funding earning assets | 0.2883% | 5,093 |
| Net interest margin | 3.1147% | 5,217 |
| Noninterest income to average assets | 0.7493% | 2,050 |
| Noninterest expense to average assets | 2.8662% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7430% | 3,608 |
| Return on assets (ROA) | 0.7351% | 3,740 |
| Pretax return on assets | 0.7351% | 4,520 |
| Return on Equity (ROE) | 7.0244% | 3,612 |
| Retained earnings to average equity (ytd only) | 3.5284% | 3,957 |
| Net charge-offs to loans | 0.0786% | 2,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 20.1322% | 1,595 |
| Efficiency ratio | 79.4147% | 2,104 |
| Assets per employee ($millions) | 3.9530% | 3,941 |
| Cash dividends to net income (ytd only)* | 49.7692% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 2,723 |
| Loan loss allowance to noncurrent loans | 496.3177% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 5,258 |
| Noncurrent loans to loans | 0.3103% | 5,087 |
| Net loans and leases to total assets | 45.7537% | 5,387 |
| Net loans and leases to deposits | 51.9477% | 5,505 |
| Net loans and leases to core deposits | 53.8995% | 5,559 |
| Total domestic deposits to total assets | 88.0765% | 1,863 |
| Equity capital to assets | 10.7672% | 3,127 |
| Core capital (leverage) ratio | 9.1384% | 4,831 |
| Tier 1 risk-based capital ratio | 15.2357% | 3,499 |
| Total risk-based capital ratio | 16.4709% | 3,461 |
| Memoranda: | ||
| Average total assets | $942,974,670 | 711 |
| Average earning assets | $865,837,330 | 703 |
| Average equity | $98,685,000 | 741 |
| Average total loans | $442,604,670 | 993 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4082% | 5,629 |
| Cost of funding earning assets | 0.2958% | 5,108 |
| Net interest margin | 3.1124% | 5,206 |
| Noninterest income to average assets | 0.7391% | 1,996 |
| Noninterest expense to average assets | 2.8517% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7442% | 3,459 |
| Return on assets (ROA) | 0.7283% | 3,633 |
| Pretax return on assets | 0.7283% | 4,393 |
| Return on Equity (ROE) | 7.0645% | 3,442 |
| Retained earnings to average equity (ytd only) | 3.5343% | 4,013 |
| Net charge-offs to loans | 0.0100% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 308 |
| Efficiency ratio | 79.3046% | 2,301 |
| Assets per employee ($millions) | 3.9743% | 3,995 |
| Cash dividends to net income (ytd only)* | 49.9706% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5872% | 2,756 |
| Loan loss allowance to noncurrent loans | 332.5614% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 5,089 |
| Noncurrent loans to loans | 0.4773% | 4,730 |
| Net loans and leases to total assets | 46.1275% | 5,322 |
| Net loans and leases to deposits | 52.1607% | 5,447 |
| Net loans and leases to core deposits | 54.1398% | 5,490 |
| Total domestic deposits to total assets | 88.4335% | 1,972 |
| Equity capital to assets | 10.4246% | 3,326 |
| Core capital (leverage) ratio | 9.2026% | 4,719 |
| Tier 1 risk-based capital ratio | 15.3061% | 3,550 |
| Total risk-based capital ratio | 16.5565% | 3,499 |
| Memoranda: | ||
| Average total assets | $934,167,500 | 727 |
| Average earning assets | $857,462,500 | 717 |
| Average equity | $96,313,000 | 759 |
| Average total loans | $440,717,500 | 1,002 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2677% | 6,051 |
| Cost of funding earning assets | 0.3575% | 5,068 |
| Net interest margin | 2.9102% | 5,770 |
| Noninterest income to average assets | 0.7840% | 2,149 |
| Noninterest expense to average assets | 2.9184% | 3,319 |
| Loan and lease loss provision to assets | 0.0022% | 5,069 |
| Net operating income to assets | 0.5275% | 4,607 |
| Return on assets (ROA) | 0.6182% | 4,286 |
| Pretax return on assets | 0.6182% | 4,811 |
| Return on Equity (ROE) | 5.8663% | 4,165 |
| Retained earnings to average equity (ytd only) | 2.6323% | 4,377 |
| Net charge-offs to loans | 0.0273% | 4,874 |
| Credit loss provision to net charge-offs | 16.9492% | 4,500 |
| Earnings coverage of net charge-offs (x) | 41.4068% | 921 |
| Efficiency ratio | 84.5290% | 1,573 |
| Assets per employee ($millions) | 3.8596% | 4,141 |
| Cash dividends to net income (ytd only)* | 55.1289% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 2,723 |
| Loan loss allowance to noncurrent loans | 440.2249% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 5,089 |
| Noncurrent loans to loans | 0.3655% | 5,091 |
| Net loans and leases to total assets | 46.7274% | 5,420 |
| Net loans and leases to deposits | 52.7177% | 5,568 |
| Net loans and leases to core deposits | 54.7630% | 5,627 |
| Total domestic deposits to total assets | 88.6370% | 1,834 |
| Equity capital to assets | 10.1925% | 3,519 |
| Core capital (leverage) ratio | 9.0701% | 4,903 |
| Tier 1 risk-based capital ratio | 15.3963% | 3,430 |
| Total risk-based capital ratio | 16.6470% | 3,380 |
| Memoranda: | ||
| Average total assets | $922,478,000 | 716 |
| Average earning assets | $844,476,800 | 707 |
| Average equity | $97,216,200 | 726 |
| Average total loans | $431,501,800 | 989 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2157% | 6,176 |
| Cost of funding earning assets | 0.3682% | 5,116 |
| Net interest margin | 2.8476% | 5,924 |
| Noninterest income to average assets | 0.8244% | 2,039 |
| Noninterest expense to average assets | 2.9339% | 3,196 |
| Loan and lease loss provision to assets | 0.0036% | 4,882 |
| Net operating income to assets | 0.4950% | 4,817 |
| Return on assets (ROA) | 0.5700% | 4,617 |
| Pretax return on assets | 0.5700% | 5,134 |
| Return on Equity (ROE) | 5.3650% | 4,530 |
| Retained earnings to average equity (ytd only) | 2.1180% | 5,047 |
| Net charge-offs to loans | -0.0909% | 6,475 |
| Credit loss provision to net charge-offs | -8.5324% | 5,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3257% | 1,431 |
| Assets per employee ($millions) | 3.8055% | 4,226 |
| Cash dividends to net income (ytd only)* | 60.5223% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 2,634 |
| Loan loss allowance to noncurrent loans | 526.7466% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 5,265 |
| Noncurrent loans to loans | 0.3219% | 5,421 |
| Net loans and leases to total assets | 46.2254% | 5,530 |
| Net loans and leases to deposits | 52.1413% | 5,699 |
| Net loans and leases to core deposits | 54.0763% | 5,760 |
| Total domestic deposits to total assets | 88.6540% | 1,747 |
| Equity capital to assets | 10.1241% | 3,739 |
| Core capital (leverage) ratio | 9.1093% | 4,957 |
| Tier 1 risk-based capital ratio | 15.1703% | 3,649 |
| Total risk-based capital ratio | 16.4219% | 3,604 |
| Memoranda: | ||
| Average total assets | $922,487,500 | 718 |
| Average earning assets | $844,906,500 | 710 |
| Average equity | $98,015,250 | 728 |
| Average total loans | $429,857,250 | 995 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2391% | 6,175 |
| Cost of funding earning assets | 0.3805% | 5,129 |
| Net interest margin | 2.8585% | 5,878 |
| Noninterest income to average assets | 0.8242% | 2,091 |
| Noninterest expense to average assets | 2.9793% | 3,062 |
| Loan and lease loss provision to assets | 0.0068% | 4,708 |
| Net operating income to assets | 0.4536% | 4,997 |
| Return on assets (ROA) | 0.5667% | 4,638 |
| Pretax return on assets | 0.5667% | 5,138 |
| Return on Equity (ROE) | 5.2495% | 4,589 |
| Retained earnings to average equity (ytd only) | 1.7176% | 5,154 |
| Net charge-offs to loans | -0.0783% | 6,424 |
| Credit loss provision to net charge-offs | -18.5629% | 5,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3939% | 1,379 |
| Assets per employee ($millions) | 3.6766% | 4,452 |
| Cash dividends to net income (ytd only)* | 67.2818% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7119% | 2,735 |
| Loan loss allowance to noncurrent loans | 415.6197% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 5,206 |
| Noncurrent loans to loans | 0.4119% | 5,228 |
| Net loans and leases to total assets | 46.2461% | 5,504 |
| Net loans and leases to deposits | 52.2437% | 5,670 |
| Net loans and leases to core deposits | 54.1469% | 5,741 |
| Total domestic deposits to total assets | 88.5200% | 1,903 |
| Equity capital to assets | 10.3089% | 3,535 |
| Core capital (leverage) ratio | 9.0054% | 4,978 |
| Tier 1 risk-based capital ratio | 15.6165% | 3,420 |
| Total risk-based capital ratio | 16.8684% | 3,366 |
| Memoranda: | ||
| Average total assets | $917,929,670 | 723 |
| Average earning assets | $839,868,330 | 714 |
| Average equity | $99,094,330 | 722 |
| Average total loans | $426,407,000 | 995 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2748% | 6,197 |
| Cost of funding earning assets | 0.3964% | 5,139 |
| Net interest margin | 2.8784% | 5,861 |
| Noninterest income to average assets | 0.8678% | 1,877 |
| Noninterest expense to average assets | 3.0649% | 2,792 |
| Loan and lease loss provision to assets | 0.0039% | 4,376 |
| Net operating income to assets | 0.4321% | 4,993 |
| Return on assets (ROA) | 0.5550% | 4,586 |
| Pretax return on assets | 0.5550% | 5,099 |
| Return on Equity (ROE) | 5.0293% | 4,555 |
| Retained earnings to average equity (ytd only) | 1.6843% | 5,144 |
| Net charge-offs to loans | -0.0075% | 5,361 |
| Credit loss provision to net charge-offs | -112.5000% | 5,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2100% | 1,399 |
| Assets per employee ($millions) | 3.5670% | 4,853 |
| Cash dividends to net income (ytd only)* | 66.5102% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6863% | 3,063 |
| Loan loss allowance to noncurrent loans | 353.7284% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 5,119 |
| Noncurrent loans to loans | 0.4767% | 5,230 |
| Net loans and leases to total assets | 45.3790% | 5,503 |
| Net loans and leases to deposits | 51.9249% | 5,626 |
| Net loans and leases to core deposits | 53.8599% | 5,674 |
| Total domestic deposits to total assets | 87.3936% | 2,696 |
| Equity capital to assets | 11.0758% | 2,874 |
| Core capital (leverage) ratio | 9.1215% | 4,688 |
| Tier 1 risk-based capital ratio | 15.6097% | 3,468 |
| Total risk-based capital ratio | 16.8614% | 3,430 |
| Memoranda: | ||
| Average total assets | $921,002,000 | 727 |
| Average earning assets | $842,542,500 | 719 |
| Average equity | $101,644,000 | 718 |
| Average total loans | $425,106,000 | 1,005 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 5,619 |
| Cost of funding earning assets | 0.5144% | 5,120 |
| Net interest margin | 3.3707% | 4,993 |
| Noninterest income to average assets | 0.7652% | 2,417 |
| Noninterest expense to average assets | 3.0603% | 3,048 |
| Loan and lease loss provision to assets | 0.0415% | 5,338 |
| Net operating income to assets | 0.7337% | 3,592 |
| Return on assets (ROA) | 0.8558% | 3,262 |
| Pretax return on assets | 0.8558% | 4,081 |
| Return on Equity (ROE) | 7.6086% | 3,283 |
| Retained earnings to average equity (ytd only) | 2.8930% | 4,199 |
| Net charge-offs to loans | 0.1643% | 4,061 |
| Credit loss provision to net charge-offs | 53.8462% | 4,602 |
| Earnings coverage of net charge-offs (x) | 10.0527% | 2,188 |
| Efficiency ratio | 79.4845% | 2,213 |
| Assets per employee ($millions) | 3.6146% | 4,746 |
| Cash dividends to net income (ytd only)* | 61.9769% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 3,004 |
| Loan loss allowance to noncurrent loans | 312.3252% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 5,157 |
| Noncurrent loans to loans | 0.5378% | 5,181 |
| Net loans and leases to total assets | 45.3812% | 5,682 |
| Net loans and leases to deposits | 51.9430% | 5,813 |
| Net loans and leases to core deposits | 53.8745% | 5,882 |
| Total domestic deposits to total assets | 87.3672% | 2,602 |
| Equity capital to assets | 10.9968% | 2,960 |
| Core capital (leverage) ratio | 8.9359% | 4,996 |
| Tier 1 risk-based capital ratio | 15.6599% | 3,342 |
| Total risk-based capital ratio | 16.9116% | 3,299 |
| Memoranda: | ||
| Average total assets | $910,301,400 | 724 |
| Average earning assets | $829,170,000 | 722 |
| Average equity | $102,384,800 | 695 |
| Average total loans | $427,240,600 | 979 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 5,493 |
| Cost of funding earning assets | 0.5438% | 5,137 |
| Net interest margin | 3.4649% | 4,786 |
| Noninterest income to average assets | 0.7344% | 2,547 |
| Noninterest expense to average assets | 3.0826% | 2,936 |
| Loan and lease loss provision to assets | 0.0589% | 4,992 |
| Net operating income to assets | 0.7442% | 3,718 |
| Return on assets (ROA) | 0.9045% | 3,193 |
| Pretax return on assets | 0.9045% | 4,083 |
| Return on Equity (ROE) | 7.9966% | 3,286 |
| Retained earnings to average equity (ytd only) | 3.4462% | 4,440 |
| Net charge-offs to loans | 0.1038% | 4,357 |
| Credit loss provision to net charge-offs | 120.4204% | 2,406 |
| Earnings coverage of net charge-offs (x) | 16.4144% | 1,694 |
| Efficiency ratio | 79.0290% | 2,234 |
| Assets per employee ($millions) | 3.5356% | 4,892 |
| Cash dividends to net income (ytd only)* | 56.9039% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 2,680 |
| Loan loss allowance to noncurrent loans | 426.8403% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 5,387 |
| Noncurrent loans to loans | 0.4306% | 5,585 |
| Net loans and leases to total assets | 44.3103% | 5,943 |
| Net loans and leases to deposits | 50.9342% | 6,045 |
| Net loans and leases to core deposits | 52.9278% | 6,121 |
| Total domestic deposits to total assets | 86.9953% | 2,670 |
| Equity capital to assets | 11.3856% | 2,865 |
| Core capital (leverage) ratio | 9.0287% | 5,019 |
| Tier 1 risk-based capital ratio | 15.9838% | 3,271 |
| Total risk-based capital ratio | 17.2369% | 3,236 |
| Memoranda: | ||
| Average total assets | $907,445,750 | 731 |
| Average earning assets | $825,316,250 | 731 |
| Average equity | $102,641,000 | 693 |
| Average total loans | $427,692,000 | 986 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0876% | 5,364 |
| Cost of funding earning assets | 0.5611% | 5,220 |
| Net interest margin | 3.5265% | 4,565 |
| Noninterest income to average assets | 0.6379% | 3,015 |
| Noninterest expense to average assets | 3.0321% | 3,144 |
| Loan and lease loss provision to assets | 0.0889% | 4,460 |
| Net operating income to assets | 0.7223% | 3,739 |
| Return on assets (ROA) | 0.8736% | 3,286 |
| Pretax return on assets | 0.8736% | 4,184 |
| Return on Equity (ROE) | 7.7406% | 3,379 |
| Retained earnings to average equity (ytd only) | 3.5147% | 4,253 |
| Net charge-offs to loans | 0.1338% | 3,858 |
| Credit loss provision to net charge-offs | 138.9655% | 1,986 |
| Earnings coverage of net charge-offs (x) | 12.6862% | 1,852 |
| Efficiency ratio | 78.5886% | 2,387 |
| Assets per employee ($millions) | 3.6122% | 4,728 |
| Cash dividends to net income (ytd only)* | 54.5936% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7707% | 2,953 |
| Loan loss allowance to noncurrent loans | 282.7368% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 4,859 |
| Noncurrent loans to loans | 0.6263% | 5,260 |
| Net loans and leases to total assets | 46.2135% | 5,803 |
| Net loans and leases to deposits | 53.9654% | 5,868 |
| Net loans and leases to core deposits | 56.0004% | 5,941 |
| Total domestic deposits to total assets | 85.6354% | 3,543 |
| Equity capital to assets | 11.2678% | 2,831 |
| Core capital (leverage) ratio | 8.9458% | 4,988 |
| Tier 1 risk-based capital ratio | 15.3361% | 3,550 |
| Total risk-based capital ratio | 16.5887% | 3,508 |
| Memoranda: | ||
| Average total assets | $907,040,330 | 732 |
| Average earning assets | $824,448,670 | 733 |
| Average equity | $102,369,000 | 694 |
| Average total loans | $433,533,000 | 964 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 5,514 |
| Cost of funding earning assets | 0.5714% | 5,346 |
| Net interest margin | 3.5118% | 4,633 |
| Noninterest income to average assets | 0.7342% | 2,472 |
| Noninterest expense to average assets | 2.9842% | 3,313 |
| Loan and lease loss provision to assets | 0.1780% | 3,190 |
| Net operating income to assets | 0.7621% | 3,566 |
| Return on assets (ROA) | 0.7621% | 3,801 |
| Pretax return on assets | 0.7621% | 4,564 |
| Return on Equity (ROE) | 6.7468% | 3,921 |
| Retained earnings to average equity (ytd only) | 6.7468% | 2,552 |
| Net charge-offs to loans | 0.2549% | 2,649 |
| Credit loss provision to net charge-offs | 144.9640% | 1,708 |
| Earnings coverage of net charge-offs (x) | 7.6547% | 2,055 |
| Efficiency ratio | 75.7402% | 2,820 |
| Assets per employee ($millions) | 3.7790% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 3,178 |
| Loan loss allowance to noncurrent loans | 155.7949% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 4,630 |
| Noncurrent loans to loans | 1.1208% | 4,459 |
| Net loans and leases to total assets | 47.1223% | 5,667 |
| Net loans and leases to deposits | 55.1005% | 5,698 |
| Net loans and leases to core deposits | 56.9538% | 5,821 |
| Total domestic deposits to total assets | 85.5207% | 3,777 |
| Equity capital to assets | 11.4641% | 2,468 |
| Core capital (leverage) ratio | 8.9685% | 4,887 |
| Tier 1 risk-based capital ratio | 15.3147% | 3,551 |
| Total risk-based capital ratio | 16.5674% | 3,503 |
| Memoranda: | ||
| Average total assets | $905,427,000 | 733 |
| Average earning assets | $822,494,500 | 735 |
| Average equity | $102,270,000 | 694 |
| Average total loans | $436,175,000 | 957 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 5,506 |
| Cost of funding earning assets | 0.7532% | 5,185 |
| Net interest margin | 3.6250% | 4,632 |
| Noninterest income to average assets | 0.6578% | 2,844 |
| Noninterest expense to average assets | 3.0677% | 3,322 |
| Loan and lease loss provision to assets | 0.2657% | 3,564 |
| Net operating income to assets | 0.6065% | 3,968 |
| Return on assets (ROA) | 0.8309% | 3,066 |
| Pretax return on assets | 0.8309% | 3,867 |
| Return on Equity (ROE) | 7.8383% | 2,994 |
| Retained earnings to average equity (ytd only) | 4.4396% | 3,012 |
| Net charge-offs to loans | 0.3789% | 3,516 |
| Credit loss provision to net charge-offs | 140.1520% | 2,105 |
| Earnings coverage of net charge-offs (x) | 4.6014% | 3,050 |
| Efficiency ratio | 77.5644% | 2,651 |
| Assets per employee ($millions) | 3.6595% | 4,642 |
| Cash dividends to net income (ytd only)* | 43.3600% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 3,169 |
| Loan loss allowance to noncurrent loans | 146.3558% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.1944% | 4,247 |
| Noncurrent loans to loans | 1.1670% | 4,420 |
| Net loans and leases to total assets | 47.5614% | 5,869 |
| Net loans and leases to deposits | 55.4486% | 5,936 |
| Net loans and leases to core deposits | 57.6080% | 6,033 |
| Total domestic deposits to total assets | 85.7756% | 3,445 |
| Equity capital to assets | 11.1258% | 2,863 |
| Core capital (leverage) ratio | 8.6664% | 5,301 |
| Tier 1 risk-based capital ratio | 14.8892% | 3,706 |
| Total risk-based capital ratio | 16.1415% | 3,680 |
| Memoranda: | ||
| Average total assets | $902,653,600 | 725 |
| Average earning assets | $817,272,200 | 721 |
| Average equity | $95,684,000 | 717 |
| Average total loans | $451,584,200 | 927 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 5,609 |
| Cost of funding earning assets | 0.7864% | 5,241 |
| Net interest margin | 3.6107% | 4,723 |
| Noninterest income to average assets | 0.6074% | 3,124 |
| Noninterest expense to average assets | 2.9456% | 3,757 |
| Loan and lease loss provision to assets | 0.2657% | 3,382 |
| Net operating income to assets | 0.6646% | 3,798 |
| Return on assets (ROA) | 0.8430% | 3,121 |
| Pretax return on assets | 0.8430% | 3,970 |
| Return on Equity (ROE) | 8.0523% | 3,019 |
| Retained earnings to average equity (ytd only) | 4.4785% | 3,536 |
| Net charge-offs to loans | 0.2546% | 3,843 |
| Credit loss provision to net charge-offs | 206.9045% | 1,417 |
| Earnings coverage of net charge-offs (x) | 7.2451% | 2,389 |
| Efficiency ratio | 75.6929% | 2,886 |
| Assets per employee ($millions) | 3.8419% | 4,209 |
| Cash dividends to net income (ytd only)* | 44.3822% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 3,176 |
| Loan loss allowance to noncurrent loans | 169.6436% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 1.0110% | 4,733 |
| Noncurrent loans to loans | 1.0186% | 4,856 |
| Net loans and leases to total assets | 47.3692% | 6,021 |
| Net loans and leases to deposits | 56.1068% | 6,024 |
| Net loans and leases to core deposits | 58.3591% | 6,099 |
| Total domestic deposits to total assets | 84.4269% | 4,040 |
| Equity capital to assets | 10.8604% | 3,277 |
| Core capital (leverage) ratio | 8.5128% | 5,695 |
| Tier 1 risk-based capital ratio | 14.4352% | 4,024 |
| Total risk-based capital ratio | 15.6878% | 3,993 |
| Memoranda: | ||
| Average total assets | $902,341,500 | 731 |
| Average earning assets | $816,822,250 | 732 |
| Average equity | $94,463,500 | 728 |
| Average total loans | $455,135,750 | 933 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 5,598 |
| Cost of funding earning assets | 0.8134% | 5,283 |
| Net interest margin | 3.6152% | 4,661 |
| Noninterest income to average assets | 0.7014% | 2,547 |
| Noninterest expense to average assets | 3.0343% | 3,510 |
| Loan and lease loss provision to assets | 0.2665% | 3,270 |
| Net operating income to assets | 0.6690% | 3,695 |
| Return on assets (ROA) | 0.8034% | 3,184 |
| Pretax return on assets | 0.8034% | 4,015 |
| Return on Equity (ROE) | 7.7743% | 3,058 |
| Retained earnings to average equity (ytd only) | 4.8532% | 3,085 |
| Net charge-offs to loans | 0.2703% | 3,534 |
| Credit loss provision to net charge-offs | 192.5687% | 1,566 |
| Earnings coverage of net charge-offs (x) | 6.7593% | 2,339 |
| Efficiency ratio | 76.1363% | 2,989 |
| Assets per employee ($millions) | 3.7879% | 4,228 |
| Cash dividends to net income (ytd only)* | 37.5731% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 3,621 |
| Loan loss allowance to noncurrent loans | 157.1795% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 1.0196% | 4,839 |
| Noncurrent loans to loans | 1.0307% | 4,937 |
| Net loans and leases to total assets | 49.3427% | 5,907 |
| Net loans and leases to deposits | 58.4684% | 5,881 |
| Net loans and leases to core deposits | 60.3112% | 6,064 |
| Total domestic deposits to total assets | 84.3921% | 4,172 |
| Equity capital to assets | 10.8148% | 3,163 |
| Core capital (leverage) ratio | 8.6319% | 5,343 |
| Tier 1 risk-based capital ratio | 14.2185% | 4,002 |
| Total risk-based capital ratio | 15.4702% | 3,974 |
| Memoranda: | ||
| Average total assets | $894,492,000 | 746 |
| Average earning assets | $808,704,000 | 750 |
| Average equity | $92,433,000 | 741 |
| Average total loans | $458,081,330 | 948 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 5,519 |
| Cost of funding earning assets | 0.8365% | 5,354 |
| Net interest margin | 3.6109% | 4,523 |
| Noninterest income to average assets | 0.7977% | 2,046 |
| Noninterest expense to average assets | 3.2154% | 2,845 |
| Loan and lease loss provision to assets | 0.2663% | 3,013 |
| Net operating income to assets | 0.5786% | 4,146 |
| Return on assets (ROA) | 0.6573% | 3,788 |
| Pretax return on assets | 0.6573% | 4,465 |
| Return on Equity (ROE) | 6.5154% | 3,624 |
| Retained earnings to average equity (ytd only) | 2.9478% | 4,398 |
| Net charge-offs to loans | 0.2904% | 2,892 |
| Credit loss provision to net charge-offs | 177.2455% | 1,651 |
| Earnings coverage of net charge-offs (x) | 5.6228% | 2,239 |
| Efficiency ratio | 78.8920% | 2,706 |
| Assets per employee ($millions) | 3.8051% | 4,289 |
| Cash dividends to net income (ytd only)* | 54.7570% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 3,963 |
| Loan loss allowance to noncurrent loans | 151.8439% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 1.2396% | 4,472 |
| Noncurrent loans to loans | 1.0206% | 5,017 |
| Net loans and leases to total assets | 50.2379% | 5,819 |
| Net loans and leases to deposits | 59.2000% | 5,803 |
| Net loans and leases to core deposits | 60.8913% | 6,025 |
| Total domestic deposits to total assets | 84.8613% | 4,102 |
| Equity capital to assets | 10.2358% | 3,493 |
| Core capital (leverage) ratio | 8.2549% | 5,893 |
| Tier 1 risk-based capital ratio | 13.5711% | 4,377 |
| Total risk-based capital ratio | 14.7923% | 4,365 |
| Memoranda: | ||
| Average total assets | $889,082,500 | 755 |
| Average earning assets | $803,343,500 | 764 |
| Average equity | $89,695,500 | 748 |
| Average total loans | $460,091,500 | 955 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 5,759 |
| Cost of funding earning assets | 1.0835% | 5,236 |
| Net interest margin | 3.6308% | 4,665 |
| Noninterest income to average assets | 0.6249% | 3,315 |
| Noninterest expense to average assets | 3.2124% | 3,044 |
| Loan and lease loss provision to assets | 0.4933% | 3,191 |
| Net operating income to assets | 0.1750% | 5,363 |
| Return on assets (ROA) | 0.2687% | 5,201 |
| Pretax return on assets | 0.2687% | 5,315 |
| Return on Equity (ROE) | 2.8391% | 5,021 |
| Retained earnings to average equity (ytd only) | 1.2946% | 4,903 |
| Net charge-offs to loans | 1.5024% | 1,466 |
| Credit loss provision to net charge-offs | 57.6307% | 6,123 |
| Earnings coverage of net charge-offs (x) | 0.7808% | 5,344 |
| Efficiency ratio | 82.2596% | 2,131 |
| Assets per employee ($millions) | 3.6089% | 4,678 |
| Cash dividends to net income (ytd only)* | 54.4020% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 4,247 |
| Loan loss allowance to noncurrent loans | 121.6463% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.5508% | 3,986 |
| Noncurrent loans to loans | 1.1970% | 4,723 |
| Net loans and leases to total assets | 51.7074% | 5,958 |
| Net loans and leases to deposits | 60.6846% | 5,980 |
| Net loans and leases to core deposits | 62.4701% | 6,197 |
| Total domestic deposits to total assets | 85.2068% | 3,749 |
| Equity capital to assets | 9.9409% | 3,825 |
| Core capital (leverage) ratio | 7.7638% | 6,481 |
| Tier 1 risk-based capital ratio | 12.6875% | 4,872 |
| Total risk-based capital ratio | 13.9375% | 4,849 |
| Memoranda: | ||
| Average total assets | $896,325,400 | 748 |
| Average earning assets | $803,780,400 | 757 |
| Average equity | $84,814,200 | 786 |
| Average total loans | $510,699,800 | 885 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 5,805 |
| Cost of funding earning assets | 1.1283% | 5,261 |
| Net interest margin | 3.6375% | 4,690 |
| Noninterest income to average assets | 0.6540% | 3,101 |
| Noninterest expense to average assets | 3.1704% | 3,026 |
| Loan and lease loss provision to assets | 0.5378% | 2,787 |
| Net operating income to assets | 0.2018% | 5,505 |
| Return on assets (ROA) | 0.2388% | 5,557 |
| Pretax return on assets | 0.2388% | 5,643 |
| Return on Equity (ROE) | 2.5553% | 5,410 |
| Retained earnings to average equity (ytd only) | 1.2689% | 5,302 |
| Net charge-offs to loans | 1.2610% | 1,615 |
| Credit loss provision to net charge-offs | 73.4198% | 5,326 |
| Earnings coverage of net charge-offs (x) | 1.0097% | 5,052 |
| Efficiency ratio | 80.5033% | 2,274 |
| Assets per employee ($millions) | 3.6951% | 4,518 |
| Cash dividends to net income (ytd only)* | 50.3417% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7869% | 2,826 |
| Loan loss allowance to noncurrent loans | 66.8968% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 2.4349% | 2,936 |
| Noncurrent loans to loans | 2.6711% | 2,961 |
| Net loans and leases to total assets | 52.7384% | 6,007 |
| Net loans and leases to deposits | 63.1834% | 6,008 |
| Net loans and leases to core deposits | 64.5777% | 6,251 |
| Total domestic deposits to total assets | 83.4687% | 4,392 |
| Equity capital to assets | 9.5386% | 4,783 |
| Core capital (leverage) ratio | 7.3414% | 6,980 |
| Tier 1 risk-based capital ratio | 11.5772% | 5,854 |
| Total risk-based capital ratio | 12.8309% | 5,841 |
| Memoranda: | ||
| Average total assets | $898,462,250 | 749 |
| Average earning assets | $804,233,000 | 758 |
| Average equity | $83,954,500 | 790 |
| Average total loans | $521,917,250 | 864 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 5,652 |
| Cost of funding earning assets | 1.1532% | 5,385 |
| Net interest margin | 3.6850% | 4,430 |
| Noninterest income to average assets | 0.6838% | 2,793 |
| Noninterest expense to average assets | 3.1941% | 2,920 |
| Loan and lease loss provision to assets | 0.5419% | 2,611 |
| Net operating income to assets | 0.2391% | 5,412 |
| Return on assets (ROA) | 0.2532% | 5,503 |
| Pretax return on assets | 0.2532% | 5,644 |
| Return on Equity (ROE) | 2.7289% | 5,354 |
| Retained earnings to average equity (ytd only) | 0.8984% | 5,408 |
| Net charge-offs to loans | 0.9884% | 1,873 |
| Credit loss provision to net charge-offs | 92.0304% | 4,366 |
| Earnings coverage of net charge-offs (x) | 1.3264% | 4,502 |
| Efficiency ratio | 79.6380% | 2,485 |
| Assets per employee ($millions) | 3.8582% | 4,074 |
| Cash dividends to net income (ytd only)* | 67.0786% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,467 |
| Loan loss allowance to noncurrent loans | 51.3996% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 2.9670% | 2,406 |
| Noncurrent loans to loans | 3.6607% | 2,147 |
| Net loans and leases to total assets | 56.5028% | 5,624 |
| Net loans and leases to deposits | 67.5442% | 5,608 |
| Net loans and leases to core deposits | 69.4087% | 5,928 |
| Total domestic deposits to total assets | 83.6531% | 4,262 |
| Equity capital to assets | 9.3617% | 4,911 |
| Core capital (leverage) ratio | 7.3457% | 6,963 |
| Tier 1 risk-based capital ratio | 10.9418% | 6,302 |
| Total risk-based capital ratio | 12.1969% | 6,281 |
| Memoranda: | ||
| Average total assets | $894,952,670 | 752 |
| Average earning assets | $799,350,000 | 761 |
| Average equity | $83,037,670 | 788 |
| Average total loans | $533,186,670 | 858 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 5,415 |
| Cost of funding earning assets | 1.1680% | 5,564 |
| Net interest margin | 3.7418% | 4,047 |
| Noninterest income to average assets | 0.6847% | 2,700 |
| Noninterest expense to average assets | 3.2658% | 2,651 |
| Loan and lease loss provision to assets | 0.5736% | 2,204 |
| Net operating income to assets | 0.1804% | 5,752 |
| Return on assets (ROA) | 0.1876% | 5,852 |
| Pretax return on assets | 0.1876% | 5,910 |
| Return on Equity (ROE) | 2.0313% | 5,750 |
| Retained earnings to average equity (ytd only) | -0.0633% | 5,844 |
| Net charge-offs to loans | 1.2080% | 1,408 |
| Credit loss provision to net charge-offs | 78.3651% | 3,923 |
| Earnings coverage of net charge-offs (x) | 1.0301% | 4,152 |
| Efficiency ratio | 80.4701% | 2,496 |
| Assets per employee ($millions) | 3.6567% | 4,676 |
| Cash dividends to net income (ytd only)* | 103.1175% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8280% | 2,647 |
| Loan loss allowance to noncurrent loans | 40.8144% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 3.9788% | 1,726 |
| Noncurrent loans to loans | 4.4788% | 1,670 |
| Net loans and leases to total assets | 58.2774% | 5,387 |
| Net loans and leases to deposits | 69.7625% | 5,375 |
| Net loans and leases to core deposits | 71.7962% | 5,739 |
| Total domestic deposits to total assets | 83.5369% | 4,371 |
| Equity capital to assets | 9.3185% | 4,806 |
| Core capital (leverage) ratio | 7.4531% | 6,894 |
| Tier 1 risk-based capital ratio | 10.7976% | 6,346 |
| Total risk-based capital ratio | 12.0521% | 6,322 |
| Memoranda: | ||
| Average total assets | $889,093,000 | 778 |
| Average earning assets | $792,449,000 | 783 |
| Average equity | $82,116,500 | 804 |
| Average total loans | $538,720,500 | 875 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3819% | 4,778 |
| Cost of funding earning assets | 1.5578% | 5,239 |
| Net interest margin | 3.8241% | 3,603 |
| Noninterest income to average assets | 0.5819% | 3,767 |
| Noninterest expense to average assets | 3.2564% | 3,173 |
| Loan and lease loss provision to assets | 1.2845% | 1,799 |
| Net operating income to assets | -0.5107% | 6,193 |
| Return on assets (ROA) | -0.3380% | 6,002 |
| Pretax return on assets | -0.3380% | 5,865 |
| Return on Equity (ROE) | -3.5619% | 6,065 |
| Retained earnings to average equity (ytd only) | -4.7941% | 5,994 |
| Net charge-offs to loans | 1.3272% | 1,880 |
| Credit loss provision to net charge-offs | 141.2635% | 3,432 |
| Earnings coverage of net charge-offs (x) | 0.8510% | 5,258 |
| Efficiency ratio | 80.1285% | 2,868 |
| Assets per employee ($millions) | 3.6015% | 4,779 |
| Cash dividends to net income (ytd only)* | -34.5935% | 7,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8317% | 2,444 |
| Loan loss allowance to noncurrent loans | 53.8334% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 3.2084% | 2,144 |
| Noncurrent loans to loans | 3.4026% | 2,244 |
| Net loans and leases to total assets | 60.6978% | 5,232 |
| Net loans and leases to deposits | 72.5907% | 5,249 |
| Net loans and leases to core deposits | 83.6427% | 5,751 |
| Total domestic deposits to total assets | 83.6165% | 4,225 |
| Equity capital to assets | 9.1529% | 4,914 |
| Core capital (leverage) ratio | 7.1604% | 7,102 |
| Tier 1 risk-based capital ratio | 10.5951% | 6,300 |
| Total risk-based capital ratio | 11.8499% | 6,277 |
| Memoranda: | ||
| Average total assets | $884,299,400 | 765 |
| Average earning assets | $797,388,000 | 764 |
| Average equity | $83,916,400 | 766 |
| Average total loans | $605,871,400 | 775 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 4,921 |
| Cost of funding earning assets | 1.6275% | 5,271 |
| Net interest margin | 3.7777% | 3,752 |
| Noninterest income to average assets | 0.5835% | 3,830 |
| Noninterest expense to average assets | 3.1911% | 3,326 |
| Loan and lease loss provision to assets | 0.7241% | 2,568 |
| Net operating income to assets | 0.0836% | 5,516 |
| Return on assets (ROA) | 0.0765% | 5,579 |
| Pretax return on assets | 0.0765% | 5,564 |
| Return on Equity (ROE) | 0.7988% | 5,558 |
| Retained earnings to average equity (ytd only) | -0.6743% | 5,399 |
| Net charge-offs to loans | 0.9323% | 2,105 |
| Credit loss provision to net charge-offs | 110.6501% | 4,598 |
| Earnings coverage of net charge-offs (x) | 1.2342% | 4,844 |
| Efficiency ratio | 79.3278% | 2,948 |
| Assets per employee ($millions) | 3.6166% | 4,643 |
| Cash dividends to net income (ytd only)* | 184.4197% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,919 |
| Loan loss allowance to noncurrent loans | 38.4076% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 2.7510% | 2,528 |
| Noncurrent loans to loans | 3.2207% | 2,350 |
| Net loans and leases to total assets | 62.1418% | 5,219 |
| Net loans and leases to deposits | 76.5467% | 4,955 |
| Net loans and leases to core deposits | 88.9465% | 5,534 |
| Total domestic deposits to total assets | 81.1816% | 5,005 |
| Equity capital to assets | 9.4282% | 4,844 |
| Core capital (leverage) ratio | 7.4259% | 7,053 |
| Tier 1 risk-based capital ratio | 10.6623% | 6,283 |
| Total risk-based capital ratio | 11.7728% | 6,400 |
| Memoranda: | ||
| Average total assets | $883,884,500 | 772 |
| Average earning assets | $799,101,000 | 775 |
| Average equity | $84,622,750 | 763 |
| Average total loans | $620,391,250 | 773 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4136% | 5,072 |
| Cost of funding earning assets | 1.7124% | 5,211 |
| Net interest margin | 3.7012% | 3,946 |
| Noninterest income to average assets | 0.5786% | 3,845 |
| Noninterest expense to average assets | 3.1243% | 3,602 |
| Loan and lease loss provision to assets | 0.5281% | 2,911 |
| Net operating income to assets | 0.2718% | 5,009 |
| Return on assets (ROA) | 0.2647% | 5,126 |
| Pretax return on assets | 0.2647% | 5,285 |
| Return on Equity (ROE) | 2.7503% | 4,996 |
| Retained earnings to average equity (ytd only) | 0.5200% | 4,996 |
| Net charge-offs to loans | 0.8839% | 1,930 |
| Credit loss provision to net charge-offs | 82.1135% | 5,137 |
| Earnings coverage of net charge-offs (x) | 1.2438% | 4,603 |
| Efficiency ratio | 79.1247% | 3,175 |
| Assets per employee ($millions) | 3.9318% | 3,815 |
| Cash dividends to net income (ytd only)* | 81.0928% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 6,047 |
| Loan loss allowance to noncurrent loans | 29.2760% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 2.6558% | 2,418 |
| Noncurrent loans to loans | 3.5017% | 2,004 |
| Net loans and leases to total assets | 61.5367% | 5,431 |
| Net loans and leases to deposits | 75.3997% | 5,260 |
| Net loans and leases to core deposits | 89.1272% | 5,618 |
| Total domestic deposits to total assets | 81.6140% | 4,853 |
| Equity capital to assets | 8.6699% | 5,795 |
| Core capital (leverage) ratio | 7.6158% | 6,876 |
| Tier 1 risk-based capital ratio | 10.2526% | 6,649 |
| Total risk-based capital ratio | 11.1694% | 6,944 |
| Memoranda: | ||
| Average total assets | $871,098,000 | 807 |
| Average earning assets | $787,430,670 | 810 |
| Average equity | $83,846,670 | 783 |
| Average total loans | $633,762,670 | 771 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7957% | 3,332 |
| Cost of funding earning assets | 1.7904% | 5,160 |
| Net interest margin | 4.0053% | 2,618 |
| Noninterest income to average assets | 0.5660% | 3,784 |
| Noninterest expense to average assets | 3.2006% | 2,983 |
| Loan and lease loss provision to assets | 0.5128% | 2,417 |
| Net operating income to assets | 0.4688% | 4,572 |
| Return on assets (ROA) | 0.4766% | 4,722 |
| Pretax return on assets | 0.4766% | 5,148 |
| Return on Equity (ROE) | 4.6754% | 4,624 |
| Retained earnings to average equity (ytd only) | 1.8730% | 4,813 |
| Net charge-offs to loans | 0.7197% | 1,749 |
| Credit loss provision to net charge-offs | 90.1288% | 3,999 |
| Earnings coverage of net charge-offs (x) | 1.7253% | 3,868 |
| Efficiency ratio | 76.0392% | 3,488 |
| Assets per employee ($millions) | 3.6256% | 4,514 |
| Cash dividends to net income (ytd only)* | 59.9385% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 5,899 |
| Loan loss allowance to noncurrent loans | 39.8611% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 2.5291% | 2,269 |
| Noncurrent loans to loans | 2.5970% | 2,538 |
| Net loans and leases to total assets | 76.6762% | 2,117 |
| Net loans and leases to deposits | 100.9417% | 1,286 |
| Net loans and leases to core deposits | 119.2764% | 2,479 |
| Total domestic deposits to total assets | 75.9609% | 6,521 |
| Equity capital to assets | 10.2278% | 3,736 |
| Core capital (leverage) ratio | 8.6981% | 5,151 |
| Tier 1 risk-based capital ratio | 10.4187% | 6,479 |
| Total risk-based capital ratio | 11.4065% | 6,662 |
| Memoranda: | ||
| Average total assets | $819,106,000 | 863 |
| Average earning assets | $739,516,500 | 865 |
| Average equity | $83,500,500 | 792 |
| Average total loans | $647,520,000 | 764 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5732% | 2,609 |
| Cost of funding earning assets | 2.2765% | 5,260 |
| Net interest margin | 4.2967% | 1,988 |
| Noninterest income to average assets | 0.6038% | 3,820 |
| Noninterest expense to average assets | 3.2480% | 3,156 |
| Loan and lease loss provision to assets | 0.2059% | 4,833 |
| Net operating income to assets | 1.0301% | 2,429 |
| Return on assets (ROA) | 1.0615% | 2,207 |
| Pretax return on assets | 1.0615% | 3,176 |
| Return on Equity (ROE) | 10.5976% | 2,051 |
| Retained earnings to average equity (ytd only) | 5.3611% | 1,832 |
| Net charge-offs to loans | 0.2117% | 4,091 |
| Credit loss provision to net charge-offs | 117.6051% | 4,580 |
| Earnings coverage of net charge-offs (x) | 7.0606% | 3,199 |
| Efficiency ratio | 71.9684% | 3,944 |
| Assets per employee ($millions) | 3.4689% | 4,753 |
| Cash dividends to net income (ytd only)* | 49.4123% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 5,843 |
| Loan loss allowance to noncurrent loans | 75.3337% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.6472% | 2,948 |
| Noncurrent loans to loans | 1.3561% | 3,808 |
| Net loans and leases to total assets | 79.8171% | 1,703 |
| Net loans and leases to deposits | 102.7506% | 1,499 |
| Net loans and leases to core deposits | 121.8089% | 2,525 |
| Total domestic deposits to total assets | 77.6804% | 5,808 |
| Equity capital to assets | 10.1600% | 3,857 |
| Core capital (leverage) ratio | 8.6714% | 5,250 |
| Tier 1 risk-based capital ratio | 10.0348% | 6,697 |
| Total risk-based capital ratio | 11.0078% | 6,908 |
| Memoranda: | ||
| Average total assets | $801,473,600 | 843 |
| Average earning assets | $723,788,200 | 844 |
| Average equity | $80,282,600 | 829 |
| Average total loans | $662,654,200 | 714 |