Home > Lake Ridge Bank > Performance and Condition Ratios
Lake Ridge Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4887% | 2,115 |
| Cost of funding earning assets | 2.5360% | 803 |
| Net interest margin | 2.9526% | 3,480 |
| Noninterest income to average assets | 0.5800% | 1,411 |
| Noninterest expense to average assets | 2.3952% | 2,597 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 0.7598% | 2,947 |
| Return on assets (ROA) | 0.7580% | 2,959 |
| Pretax return on assets | 0.8296% | 3,126 |
| Return on Equity (ROE) | 7.5600% | 2,978 |
| Retained earnings to average equity (ytd only) | 5.1273% | 2,531 |
| Net charge-offs to loans | 0.0035% | 2,158 |
| Credit loss provision to net charge-offs | 2,257.1429% | 188 |
| Earnings coverage of net charge-offs (x) | 331.2381% | 285 |
| Efficiency ratio | 66.7512% | 2,163 |
| Assets per employee ($millions) | 8.5694% | 1,269 |
| Cash dividends to net income (ytd only)* | 32.1543% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,086 |
| Loan loss allowance to noncurrent loans | 295.9024% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 2,205 |
| Noncurrent loans to loans | 0.3469% | 2,266 |
| Net loans and leases to total assets | 76.5500% | 1,013 |
| Net loans and leases to deposits | 92.7517% | 861 |
| Net loans and leases to core deposits | 95.1531% | 1,689 |
| Total domestic deposits to total assets | 82.5300% | 3,206 |
| Equity capital to assets | 10.1758% | 2,113 |
| Core capital (leverage) ratio | 9.4176% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1303% | 2,474 |
| Memoranda: | ||
| Average total assets | $3,118,193,500 | 410 |
| Average earning assets | $2,855,339,000 | 403 |
| Average equity | $312,758,500 | 423 |
| Average total loans | $2,406,600,000 | 379 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5119% | 2,110 |
| Cost of funding earning assets | 2.8096% | 690 |
| Net interest margin | 2.7022% | 3,616 |
| Noninterest income to average assets | 0.6000% | 1,502 |
| Noninterest expense to average assets | 2.3408% | 2,746 |
| Loan and lease loss provision to assets | 0.1000% | 1,394 |
| Net operating income to assets | 0.5669% | 3,316 |
| Return on assets (ROA) | 0.5796% | 3,306 |
| Pretax return on assets | 0.6344% | 3,402 |
| Return on Equity (ROE) | 5.7600% | 3,342 |
| Retained earnings to average equity (ytd only) | 3.7676% | 2,724 |
| Net charge-offs to loans | 0.1333% | 977 |
| Credit loss provision to net charge-offs | 105.4574% | 1,813 |
| Earnings coverage of net charge-offs (x) | 6.7922% | 2,475 |
| Efficiency ratio | 69.6684% | 2,034 |
| Assets per employee ($millions) | 8.7305% | 1,167 |
| Cash dividends to net income (ytd only)* | 34.5779% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,223 |
| Loan loss allowance to noncurrent loans | 196.4724% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 1,719 |
| Noncurrent loans to loans | 0.5097% | 1,800 |
| Net loans and leases to total assets | 76.2500% | 1,113 |
| Net loans and leases to deposits | 91.9732% | 1,036 |
| Net loans and leases to core deposits | 94.8918% | 1,781 |
| Total domestic deposits to total assets | 82.9000% | 3,061 |
| Equity capital to assets | 9.8859% | 2,204 |
| Core capital (leverage) ratio | 9.4500% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8778% | 2,560 |
| Memoranda: | ||
| Average total assets | $3,031,057,600 | 405 |
| Average earning assets | $2,762,982,800 | 399 |
| Average equity | $305,077,400 | 416 |
| Average total loans | $2,420,175,400 | 365 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5119% | 2,059 |
| Cost of funding earning assets | 2.8768% | 618 |
| Net interest margin | 2.6352% | 3,712 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 2.3855% | 2,565 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.5096% | 3,439 |
| Return on assets (ROA) | 0.5257% | 3,427 |
| Pretax return on assets | 0.5686% | 3,529 |
| Return on Equity (ROE) | 5.2000% | 3,484 |
| Retained earnings to average equity (ytd only) | 3.5864% | 2,983 |
| Net charge-offs to loans | 0.0133% | 2,161 |
| Credit loss provision to net charge-offs | 306.2241% | 837 |
| Earnings coverage of net charge-offs (x) | 54.6100% | 1,160 |
| Efficiency ratio | 73.3214% | 1,668 |
| Assets per employee ($millions) | 8.4501% | 1,289 |
| Cash dividends to net income (ytd only)* | 31.0153% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,223 |
| Loan loss allowance to noncurrent loans | 176.2340% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 1,509 |
| Noncurrent loans to loans | 0.5700% | 1,664 |
| Net loans and leases to total assets | 79.5700% | 683 |
| Net loans and leases to deposits | 97.0314% | 649 |
| Net loans and leases to core deposits | 100.4909% | 1,451 |
| Total domestic deposits to total assets | 82.0000% | 3,105 |
| Equity capital to assets | 10.3177% | 2,093 |
| Core capital (leverage) ratio | 9.4925% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6702% | 2,644 |
| Memoranda: | ||
| Average total assets | $3,005,259,250 | 398 |
| Average earning assets | $2,739,170,750 | 399 |
| Average equity | $303,884,500 | 411 |
| Average total loans | $2,421,717,500 | 357 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5192% | 1,937 |
| Cost of funding earning assets | 2.9312% | 522 |
| Net interest margin | 2.5880% | 3,759 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 2.3658% | 2,620 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.4712% | 3,507 |
| Return on assets (ROA) | 0.4762% | 3,527 |
| Pretax return on assets | 0.5026% | 3,628 |
| Return on Equity (ROE) | 4.7400% | 3,578 |
| Retained earnings to average equity (ytd only) | 3.2462% | 2,971 |
| Net charge-offs to loans | 0.0110% | 2,006 |
| Credit loss provision to net charge-offs | 369.9248% | 740 |
| Earnings coverage of net charge-offs (x) | 59.7068% | 1,016 |
| Efficiency ratio | 74.4784% | 1,598 |
| Assets per employee ($millions) | 8.0948% | 1,402 |
| Cash dividends to net income (ytd only)* | 31.5435% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,257 |
| Loan loss allowance to noncurrent loans | 276.7614% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 1,979 |
| Noncurrent loans to loans | 0.3627% | 2,107 |
| Net loans and leases to total assets | 80.6300% | 602 |
| Net loans and leases to deposits | 97.9408% | 657 |
| Net loans and leases to core deposits | 101.3493% | 1,399 |
| Total domestic deposits to total assets | 82.3300% | 3,009 |
| Equity capital to assets | 10.1243% | 1,998 |
| Core capital (leverage) ratio | 9.3628% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5793% | 2,673 |
| Memoranda: | ||
| Average total assets | $2,995,814,667 | 405 |
| Average earning assets | $2,727,606,667 | 400 |
| Average equity | $300,846,667 | 410 |
| Average total loans | $2,416,232,000 | 356 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5102% | 1,790 |
| Cost of funding earning assets | 2.9438% | 469 |
| Net interest margin | 2.5664% | 3,763 |
| Noninterest income to average assets | 0.5500% | 1,555 |
| Noninterest expense to average assets | 2.4790% | 2,302 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.3613% | 3,697 |
| Return on assets (ROA) | 0.3697% | 3,702 |
| Pretax return on assets | 0.3821% | 3,792 |
| Return on Equity (ROE) | 3.7000% | 3,728 |
| Retained earnings to average equity (ytd only) | 2.2990% | 3,166 |
| Net charge-offs to loans | 0.0038% | 2,005 |
| Credit loss provision to net charge-offs | 1,069.5652% | 326 |
| Earnings coverage of net charge-offs (x) | 132.6522% | 568 |
| Efficiency ratio | 78.6987% | 1,296 |
| Assets per employee ($millions) | 8.1276% | 1,372 |
| Cash dividends to net income (ytd only)* | 37.8106% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,260 |
| Loan loss allowance to noncurrent loans | 246.4035% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 1,790 |
| Noncurrent loans to loans | 0.4087% | 1,912 |
| Net loans and leases to total assets | 79.3800% | 687 |
| Net loans and leases to deposits | 97.2982% | 641 |
| Net loans and leases to core deposits | 100.6538% | 1,380 |
| Total domestic deposits to total assets | 81.5900% | 3,261 |
| Equity capital to assets | 10.0083% | 2,014 |
| Core capital (leverage) ratio | 9.1444% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4264% | 2,722 |
| Memoranda: | ||
| Average total assets | $3,004,272,000 | 410 |
| Average earning assets | $2,735,013,000 | 404 |
| Average equity | $300,474,000 | 417 |
| Average total loans | $2,411,199,500 | 362 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 1,687 |
| Cost of funding earning assets | 2.2405% | 598 |
| Net interest margin | 2.9486% | 3,395 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.4824% | 2,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6670% | 3,275 |
| Return on assets (ROA) | 0.6680% | 3,257 |
| Pretax return on assets | 0.8196% | 3,164 |
| Return on Equity (ROE) | 6.7200% | 3,353 |
| Retained earnings to average equity (ytd only) | 3.6252% | 3,081 |
| Net charge-offs to loans | 0.0196% | 1,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 52.6747% | 1,263 |
| Efficiency ratio | 68.7279% | 2,030 |
| Assets per employee ($millions) | 8.1779% | 1,346 |
| Cash dividends to net income (ytd only)* | 46.0146% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 3,355 |
| Loan loss allowance to noncurrent loans | 268.5618% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 1,767 |
| Noncurrent loans to loans | 0.3696% | 1,880 |
| Net loans and leases to total assets | 79.5300% | 693 |
| Net loans and leases to deposits | 98.6541% | 610 |
| Net loans and leases to core deposits | 101.6890% | 1,345 |
| Total domestic deposits to total assets | 80.6200% | 3,367 |
| Equity capital to assets | 9.9949% | 2,014 |
| Core capital (leverage) ratio | 9.1519% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1486% | 2,798 |
| Memoranda: | ||
| Average total assets | $2,928,210,800 | 404 |
| Average earning assets | $2,658,567,800 | 403 |
| Average equity | $291,270,600 | 405 |
| Average total loans | $2,325,621,600 | 363 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 1,627 |
| Cost of funding earning assets | 2.0647% | 632 |
| Net interest margin | 3.0420% | 3,255 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.6326% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6188% | 3,494 |
| Return on assets (ROA) | 0.6193% | 3,490 |
| Pretax return on assets | 0.7614% | 3,419 |
| Return on Equity (ROE) | 6.2300% | 3,600 |
| Retained earnings to average equity (ytd only) | 3.0027% | 3,509 |
| Net charge-offs to loans | 0.0134% | 1,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 71.5259% | 1,101 |
| Efficiency ratio | 71.2367% | 1,651 |
| Assets per employee ($millions) | 8.0733% | 1,310 |
| Cash dividends to net income (ytd only)* | 51.8288% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,238 |
| Loan loss allowance to noncurrent loans | 266.8760% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 1,774 |
| Noncurrent loans to loans | 0.3838% | 1,867 |
| Net loans and leases to total assets | 79.4200% | 718 |
| Net loans and leases to deposits | 102.0143% | 434 |
| Net loans and leases to core deposits | 104.5670% | 1,086 |
| Total domestic deposits to total assets | 77.8500% | 3,835 |
| Equity capital to assets | 9.6175% | 2,030 |
| Core capital (leverage) ratio | 9.1710% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0896% | 2,809 |
| Memoranda: | ||
| Average total assets | $2,907,896,250 | 406 |
| Average earning assets | $2,641,383,250 | 406 |
| Average equity | $288,890,250 | 409 |
| Average total loans | $2,302,669,500 | 366 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 1,579 |
| Cost of funding earning assets | 1.7997% | 736 |
| Net interest margin | 3.1920% | 3,011 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.7514% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6073% | 3,555 |
| Return on assets (ROA) | 0.6087% | 3,559 |
| Pretax return on assets | 0.7751% | 3,451 |
| Return on Equity (ROE) | 6.0500% | 3,681 |
| Retained earnings to average equity (ytd only) | 2.6173% | 3,574 |
| Net charge-offs to loans | 0.0068% | 1,984 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 143.4615% | 771 |
| Efficiency ratio | 78.0605% | 998 |
| Assets per employee ($millions) | 8.2180% | 1,223 |
| Cash dividends to net income (ytd only)* | 56.7666% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 3,129 |
| Loan loss allowance to noncurrent loans | 316.5941% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 1,853 |
| Noncurrent loans to loans | 0.3354% | 1,928 |
| Net loans and leases to total assets | 78.7400% | 762 |
| Net loans and leases to deposits | 103.4841% | 384 |
| Net loans and leases to core deposits | 105.6527% | 998 |
| Total domestic deposits to total assets | 76.0900% | 4,034 |
| Equity capital to assets | 9.9655% | 1,879 |
| Core capital (leverage) ratio | 9.2224% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9319% | 2,856 |
| Memoranda: | ||
| Average total assets | $2,894,076,333 | 397 |
| Average earning assets | $2,628,986,667 | 393 |
| Average equity | $290,990,333 | 396 |
| Average total loans | $2,282,041,667 | 357 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8573% | 1,492 |
| Cost of funding earning assets | 1.4985% | 848 |
| Net interest margin | 3.3588% | 2,733 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 3.0130% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5191% | 3,849 |
| Return on assets (ROA) | 0.5199% | 3,806 |
| Pretax return on assets | 0.6511% | 3,753 |
| Return on Equity (ROE) | 5.1500% | 3,867 |
| Retained earnings to average equity (ytd only) | 5.1474% | 2,992 |
| Net charge-offs to loans | 0.0034% | 1,886 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 246.2105% | 434 |
| Efficiency ratio | 82.2527% | 691 |
| Assets per employee ($millions) | 7.8737% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,088 |
| Loan loss allowance to noncurrent loans | 573.7269% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,428 |
| Noncurrent loans to loans | 0.1908% | 2,520 |
| Net loans and leases to total assets | 78.1500% | 749 |
| Net loans and leases to deposits | 96.2050% | 635 |
| Net loans and leases to core deposits | 97.7716% | 1,192 |
| Total domestic deposits to total assets | 81.2300% | 3,600 |
| Equity capital to assets | 10.2550% | 1,688 |
| Core capital (leverage) ratio | 9.2400% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3592% | 2,890 |
| Memoranda: | ||
| Average total assets | $2,878,314,500 | 411 |
| Average earning assets | $2,614,872,000 | 405 |
| Average equity | $290,710,500 | 403 |
| Average total loans | $2,258,831,500 | 370 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 1,697 |
| Cost of funding earning assets | 0.4452% | 1,750 |
| Net interest margin | 3.5623% | 1,752 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 2.4932% | 2,140 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2983% | 1,437 |
| Return on assets (ROA) | 1.2955% | 1,409 |
| Pretax return on assets | 1.7208% | 878 |
| Return on Equity (ROE) | 13.0100% | 1,807 |
| Retained earnings to average equity (ytd only) | 10.0044% | 1,149 |
| Net charge-offs to loans | 0.4855% | 155 |
| Credit loss provision to net charge-offs | 16.9866% | 1,941 |
| Earnings coverage of net charge-offs (x) | 4.9621% | 2,395 |
| Efficiency ratio | 58.2710% | 3,302 |
| Assets per employee ($millions) | 7.2314% | 1,797 |
| Cash dividends to net income (ytd only)* | 23.1165% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,020 |
| Loan loss allowance to noncurrent loans | 160.4937% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 993 |
| Noncurrent loans to loans | 0.6690% | 1,114 |
| Net loans and leases to total assets | 75.9300% | 1,015 |
| Net loans and leases to deposits | 87.2887% | 1,224 |
| Net loans and leases to core deposits | 87.9875% | 1,610 |
| Total domestic deposits to total assets | 86.9900% | 2,394 |
| Equity capital to assets | 9.8933% | 1,762 |
| Core capital (leverage) ratio | 10.5990% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7862% | 2,456 |
| Memoranda: | ||
| Average total assets | $1,636,162,000 | 665 |
| Average earning assets | $1,507,492,000 | 655 |
| Average equity | $162,898,600 | 631 |
| Average total loans | $1,212,612,200 | 576 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8533% | 1,606 |
| Cost of funding earning assets | 0.2966% | 2,209 |
| Net interest margin | 3.5567% | 1,499 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.4171% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3111% | 1,317 |
| Return on assets (ROA) | 1.3073% | 1,292 |
| Pretax return on assets | 1.7383% | 828 |
| Return on Equity (ROE) | 13.1100% | 1,666 |
| Retained earnings to average equity (ytd only) | 9.0980% | 1,616 |
| Net charge-offs to loans | 0.5069% | 127 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 4.6816% | 2,167 |
| Efficiency ratio | 58.1017% | 3,369 |
| Assets per employee ($millions) | 6.9443% | 1,989 |
| Cash dividends to net income (ytd only)* | 30.6020% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 2,847 |
| Loan loss allowance to noncurrent loans | 145.8146% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 905 |
| Noncurrent loans to loans | 0.7804% | 1,036 |
| Net loans and leases to total assets | 74.0900% | 1,086 |
| Net loans and leases to deposits | 82.9760% | 1,366 |
| Net loans and leases to core deposits | 83.7089% | 1,677 |
| Total domestic deposits to total assets | 89.2900% | 1,965 |
| Equity capital to assets | 9.3968% | 1,954 |
| Core capital (leverage) ratio | 10.3917% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9254% | 2,502 |
| Memoranda: | ||
| Average total assets | $1,633,013,250 | 664 |
| Average earning assets | $1,505,819,000 | 660 |
| Average equity | $162,844,250 | 637 |
| Average total loans | $1,199,376,250 | 576 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 1,577 |
| Cost of funding earning assets | 0.2060% | 2,839 |
| Net interest margin | 3.4776% | 1,376 |
| Noninterest income to average assets | 0.8765% | 886 |
| Noninterest expense to average assets | 2.3926% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2729% | 1,216 |
| Return on assets (ROA) | 1.2691% | 1,207 |
| Pretax return on assets | 1.6891% | 772 |
| Return on Equity (ROE) | 12.4872% | 1,530 |
| Retained earnings to average equity (ytd only) | 8.6320% | 1,391 |
| Net charge-offs to loans | 0.7614% | 82 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 3.0498% | 2,008 |
| Efficiency ratio | 58.5486% | 3,483 |
| Assets per employee ($millions) | 6.7572% | 2,111 |
| Cash dividends to net income (ytd only)* | 30.8731% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,935 |
| Loan loss allowance to noncurrent loans | 164.4180% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 1,067 |
| Noncurrent loans to loans | 0.6980% | 1,237 |
| Net loans and leases to total assets | 74.9771% | 820 |
| Net loans and leases to deposits | 83.9561% | 1,126 |
| Net loans and leases to core deposits | 84.8984% | 1,400 |
| Total domestic deposits to total assets | 89.3051% | 2,044 |
| Equity capital to assets | 9.8663% | 1,794 |
| Core capital (leverage) ratio | 10.2716% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7006% | 2,610 |
| Memoranda: | ||
| Average total assets | $1,633,384,333 | 661 |
| Average earning assets | $1,507,696,000 | 659 |
| Average equity | $166,010,333 | 639 |
| Average total loans | $1,191,488,333 | 565 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 1,702 |
| Cost of funding earning assets | 0.1852% | 3,009 |
| Net interest margin | 3.3449% | 1,457 |
| Noninterest income to average assets | 0.8869% | 855 |
| Noninterest expense to average assets | 2.3503% | 2,339 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2209% | 1,197 |
| Return on assets (ROA) | 1.2165% | 1,194 |
| Pretax return on assets | 1.6191% | 799 |
| Return on Equity (ROE) | 11.8015% | 1,381 |
| Retained earnings to average equity (ytd only) | 8.2723% | 1,496 |
| Net charge-offs to loans | 1.6842% | 45 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1.3484% | 1,742 |
| Efficiency ratio | 59.1275% | 3,569 |
| Assets per employee ($millions) | 6.4984% | 2,382 |
| Cash dividends to net income (ytd only)* | 29.9043% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,145 |
| Loan loss allowance to noncurrent loans | 182.2585% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 1,339 |
| Noncurrent loans to loans | 0.6260% | 1,498 |
| Net loans and leases to total assets | 72.0458% | 829 |
| Net loans and leases to deposits | 80.6302% | 1,099 |
| Net loans and leases to core deposits | 81.5418% | 1,377 |
| Total domestic deposits to total assets | 89.3535% | 1,899 |
| Equity capital to assets | 10.1012% | 1,826 |
| Core capital (leverage) ratio | 9.7555% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7331% | 2,704 |
| Memoranda: | ||
| Average total assets | $1,649,344,000 | 655 |
| Average earning assets | $1,522,680,000 | 652 |
| Average equity | $170,013,000 | 641 |
| Average total loans | $1,179,896,000 | 572 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 2,246 |
| Cost of funding earning assets | 0.2515% | 2,917 |
| Net interest margin | 3.4019% | 2,025 |
| Noninterest income to average assets | 1.2333% | 702 |
| Noninterest expense to average assets | 2.5253% | 2,109 |
| Loan and lease loss provision to assets | 0.4157% | 156 |
| Net operating income to assets | 1.0859% | 2,350 |
| Return on assets (ROA) | 1.1550% | 2,143 |
| Pretax return on assets | 1.5068% | 1,699 |
| Return on Equity (ROE) | 10.9840% | 2,173 |
| Retained earnings to average equity (ytd only) | 7.3213% | 1,798 |
| Net charge-offs to loans | 0.0063% | 2,346 |
| Credit loss provision to net charge-offs | 9,189.1892% | 72 |
| Earnings coverage of net charge-offs (x) | 405.6351% | 325 |
| Efficiency ratio | 57.9152% | 3,462 |
| Assets per employee ($millions) | 6.7232% | 2,138 |
| Cash dividends to net income (ytd only)* | 33.3457% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 1,329 |
| Loan loss allowance to noncurrent loans | 149.1885% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 835 |
| Noncurrent loans to loans | 1.0533% | 927 |
| Net loans and leases to total assets | 69.1331% | 1,136 |
| Net loans and leases to deposits | 77.9636% | 1,400 |
| Net loans and leases to core deposits | 78.9479% | 1,680 |
| Total domestic deposits to total assets | 88.6736% | 1,686 |
| Equity capital to assets | 10.5085% | 2,171 |
| Core capital (leverage) ratio | 9.5837% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8790% | 2,673 |
| Memoranda: | ||
| Average total assets | $1,635,739,000 | 636 |
| Average earning assets | $1,503,631,400 | 634 |
| Average equity | $172,004,600 | 625 |
| Average total loans | $1,179,448,000 | 567 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 2,199 |
| Cost of funding earning assets | 0.2544% | 3,076 |
| Net interest margin | 3.4737% | 1,947 |
| Noninterest income to average assets | 1.2352% | 754 |
| Noninterest expense to average assets | 2.5027% | 2,108 |
| Loan and lease loss provision to assets | 0.2460% | 377 |
| Net operating income to assets | 1.2760% | 1,900 |
| Return on assets (ROA) | 1.2755% | 1,959 |
| Pretax return on assets | 1.6744% | 1,479 |
| Return on Equity (ROE) | 12.1281% | 2,003 |
| Retained earnings to average equity (ytd only) | 8.5420% | 1,861 |
| Net charge-offs to loans | 0.0241% | 1,563 |
| Credit loss provision to net charge-offs | 1,408.4507% | 421 |
| Earnings coverage of net charge-offs (x) | 109.9953% | 822 |
| Efficiency ratio | 56.5752% | 3,461 |
| Assets per employee ($millions) | 6.5102% | 2,233 |
| Cash dividends to net income (ytd only)* | 29.5687% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,812 |
| Loan loss allowance to noncurrent loans | 116.7430% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 932 |
| Noncurrent loans to loans | 1.0599% | 1,072 |
| Net loans and leases to total assets | 71.2983% | 951 |
| Net loans and leases to deposits | 81.6471% | 1,143 |
| Net loans and leases to core deposits | 82.7126% | 1,520 |
| Total domestic deposits to total assets | 87.3250% | 2,202 |
| Equity capital to assets | 10.7724% | 2,196 |
| Core capital (leverage) ratio | 9.6073% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8318% | 2,761 |
| Memoranda: | ||
| Average total assets | $1,626,152,500 | 648 |
| Average earning assets | $1,492,615,750 | 646 |
| Average equity | $171,025,500 | 637 |
| Average total loans | $1,180,354,000 | 579 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7109% | 2,300 |
| Cost of funding earning assets | 0.2793% | 2,987 |
| Net interest margin | 3.4316% | 2,057 |
| Noninterest income to average assets | 1.2700% | 723 |
| Noninterest expense to average assets | 2.5341% | 2,039 |
| Loan and lease loss provision to assets | 0.2830% | 318 |
| Net operating income to assets | 1.2192% | 2,110 |
| Return on assets (ROA) | 1.2184% | 2,197 |
| Pretax return on assets | 1.5985% | 1,736 |
| Return on Equity (ROE) | 11.6798% | 2,172 |
| Retained earnings to average equity (ytd only) | 8.0240% | 2,063 |
| Net charge-offs to loans | 0.0198% | 1,544 |
| Credit loss provision to net charge-offs | 1,965.8120% | 298 |
| Earnings coverage of net charge-offs (x) | 130.7778% | 644 |
| Efficiency ratio | 57.3776% | 3,353 |
| Assets per employee ($millions) | 6.4465% | 2,203 |
| Cash dividends to net income (ytd only)* | 31.3005% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 3,145 |
| Loan loss allowance to noncurrent loans | 105.3694% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.8295% | 950 |
| Noncurrent loans to loans | 1.1005% | 1,099 |
| Net loans and leases to total assets | 73.6925% | 787 |
| Net loans and leases to deposits | 84.4227% | 1,033 |
| Net loans and leases to core deposits | 85.5430% | 1,452 |
| Total domestic deposits to total assets | 87.2900% | 2,176 |
| Equity capital to assets | 10.7034% | 2,223 |
| Core capital (leverage) ratio | 9.4467% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7264% | 2,801 |
| Memoranda: | ||
| Average total assets | $1,625,688,333 | 634 |
| Average earning assets | $1,490,637,667 | 641 |
| Average equity | $169,592,000 | 638 |
| Average total loans | $1,182,155,333 | 583 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6965% | 2,367 |
| Cost of funding earning assets | 0.3021% | 2,973 |
| Net interest margin | 3.3945% | 2,128 |
| Noninterest income to average assets | 1.4570% | 636 |
| Noninterest expense to average assets | 2.4553% | 2,314 |
| Loan and lease loss provision to assets | 0.1960% | 621 |
| Net operating income to assets | 1.4423% | 1,462 |
| Return on assets (ROA) | 1.4405% | 1,538 |
| Pretax return on assets | 1.9036% | 1,110 |
| Return on Equity (ROE) | 13.9884% | 1,429 |
| Retained earnings to average equity (ytd only) | 9.3494% | 1,843 |
| Net charge-offs to loans | 0.0355% | 1,120 |
| Credit loss provision to net charge-offs | 769.2308% | 486 |
| Earnings coverage of net charge-offs (x) | 82.4904% | 690 |
| Efficiency ratio | 53.8788% | 3,799 |
| Assets per employee ($millions) | 6.6414% | 2,061 |
| Cash dividends to net income (ytd only)* | 33.1633% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,688 |
| Loan loss allowance to noncurrent loans | 287.1280% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 2,789 |
| Noncurrent loans to loans | 0.3628% | 2,783 |
| Net loans and leases to total assets | 71.5037% | 1,091 |
| Net loans and leases to deposits | 81.5229% | 1,374 |
| Net loans and leases to core deposits | 82.7389% | 1,778 |
| Total domestic deposits to total assets | 87.7100% | 1,993 |
| Equity capital to assets | 10.2003% | 2,521 |
| Core capital (leverage) ratio | 9.0873% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5157% | 2,813 |
| Memoranda: | ||
| Average total assets | $1,632,723,500 | 625 |
| Average earning assets | $1,491,134,000 | 630 |
| Average equity | $168,139,000 | 639 |
| Average total loans | $1,172,445,500 | 582 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 2,347 |
| Cost of funding earning assets | 0.4722% | 3,136 |
| Net interest margin | 3.6545% | 1,959 |
| Noninterest income to average assets | 1.3202% | 662 |
| Noninterest expense to average assets | 2.7941% | 1,952 |
| Loan and lease loss provision to assets | 0.4701% | 570 |
| Net operating income to assets | 1.0709% | 2,023 |
| Return on assets (ROA) | 1.0715% | 2,164 |
| Pretax return on assets | 1.3969% | 1,664 |
| Return on Equity (ROE) | 9.7174% | 2,110 |
| Retained earnings to average equity (ytd only) | 6.4345% | 1,615 |
| Net charge-offs to loans | 0.3282% | 537 |
| Credit loss provision to net charge-offs | 185.4861% | 2,236 |
| Earnings coverage of net charge-offs (x) | 7.3639% | 2,701 |
| Efficiency ratio | 59.9555% | 3,462 |
| Assets per employee ($millions) | 6.4470% | 1,957 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,792 |
| Loan loss allowance to noncurrent loans | 184.7194% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 2,390 |
| Noncurrent loans to loans | 0.5531% | 2,326 |
| Net loans and leases to total assets | 70.6213% | 1,479 |
| Net loans and leases to deposits | 81.4805% | 1,711 |
| Net loans and leases to core deposits | 82.8140% | 2,134 |
| Total domestic deposits to total assets | 86.6727% | 2,087 |
| Equity capital to assets | 10.3984% | 2,760 |
| Core capital (leverage) ratio | 9.2254% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,457,257,000 | 628 |
| Average earning assets | $1,331,853,000 | 633 |
| Average equity | $160,681,000 | 635 |
| Average total loans | $1,125,087,400 | 572 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1988% | 2,404 |
| Cost of funding earning assets | 0.5131% | 3,147 |
| Net interest margin | 3.6857% | 1,995 |
| Noninterest income to average assets | 1.2202% | 728 |
| Noninterest expense to average assets | 2.7595% | 2,094 |
| Loan and lease loss provision to assets | 0.3947% | 906 |
| Net operating income to assets | 1.1049% | 1,966 |
| Return on assets (ROA) | 1.1058% | 2,086 |
| Pretax return on assets | 1.4434% | 1,594 |
| Return on Equity (ROE) | 9.8694% | 2,059 |
| Retained earnings to average equity (ytd only) | 6.7029% | 1,813 |
| Net charge-offs to loans | 0.0126% | 2,656 |
| Credit loss provision to net charge-offs | 3,962.2642% | 274 |
| Earnings coverage of net charge-offs (x) | 184.3962% | 516 |
| Efficiency ratio | 60.0344% | 3,387 |
| Assets per employee ($millions) | 6.0799% | 2,200 |
| Cash dividends to net income (ytd only)* | 32.0840% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,343 |
| Loan loss allowance to noncurrent loans | 138.8074% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 1,899 |
| Noncurrent loans to loans | 0.7736% | 1,883 |
| Net loans and leases to total assets | 77.5153% | 898 |
| Net loans and leases to deposits | 91.0966% | 1,147 |
| Net loans and leases to core deposits | 92.8414% | 1,722 |
| Total domestic deposits to total assets | 85.0913% | 2,402 |
| Equity capital to assets | 10.9287% | 2,443 |
| Core capital (leverage) ratio | 9.6304% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,418,634,250 | 632 |
| Average earning assets | $1,299,540,750 | 632 |
| Average equity | $158,952,250 | 633 |
| Average total loans | $1,118,862,250 | 569 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 2,475 |
| Cost of funding earning assets | 0.5998% | 2,964 |
| Net interest margin | 3.6992% | 2,165 |
| Noninterest income to average assets | 1.0297% | 931 |
| Noninterest expense to average assets | 2.7211% | 2,317 |
| Loan and lease loss provision to assets | 0.3456% | 1,226 |
| Net operating income to assets | 1.0382% | 2,191 |
| Return on assets (ROA) | 1.0395% | 2,321 |
| Pretax return on assets | 1.3530% | 1,857 |
| Return on Equity (ROE) | 9.1957% | 2,280 |
| Retained earnings to average equity (ytd only) | 6.0430% | 2,063 |
| Net charge-offs to loans | 0.0129% | 2,503 |
| Credit loss provision to net charge-offs | 3,380.2817% | 323 |
| Earnings coverage of net charge-offs (x) | 165.9718% | 507 |
| Efficiency ratio | 61.5919% | 3,186 |
| Assets per employee ($millions) | 6.0828% | 2,110 |
| Cash dividends to net income (ytd only)* | 34.2845% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 3,888 |
| Loan loss allowance to noncurrent loans | 115.7482% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 1,947 |
| Noncurrent loans to loans | 0.8014% | 1,890 |
| Net loans and leases to total assets | 77.3267% | 949 |
| Net loans and leases to deposits | 92.4205% | 1,110 |
| Net loans and leases to core deposits | 94.1444% | 1,723 |
| Total domestic deposits to total assets | 83.6684% | 2,862 |
| Equity capital to assets | 10.6801% | 2,594 |
| Core capital (leverage) ratio | 9.7582% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,388,910,667 | 626 |
| Average earning assets | $1,272,160,667 | 632 |
| Average equity | $157,008,333 | 638 |
| Average total loans | $1,097,994,000 | 572 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 2,346 |
| Cost of funding earning assets | 0.7420% | 2,713 |
| Net interest margin | 3.7451% | 2,162 |
| Noninterest income to average assets | 0.9703% | 912 |
| Noninterest expense to average assets | 2.7808% | 2,484 |
| Loan and lease loss provision to assets | 0.2408% | 1,291 |
| Net operating income to assets | 1.0515% | 2,002 |
| Return on assets (ROA) | 1.0515% | 2,099 |
| Pretax return on assets | 1.3663% | 1,664 |
| Return on Equity (ROE) | 9.0194% | 2,107 |
| Retained earnings to average equity (ytd only) | 5.7668% | 1,968 |
| Net charge-offs to loans | 0.0181% | 2,007 |
| Credit loss provision to net charge-offs | 1,666.6667% | 388 |
| Earnings coverage of net charge-offs (x) | 111.2500% | 535 |
| Efficiency ratio | 63.3745% | 3,317 |
| Assets per employee ($millions) | 5.3656% | 2,258 |
| Cash dividends to net income (ytd only)* | 36.0618% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 4,210 |
| Loan loss allowance to noncurrent loans | 98.7322% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 1,895 |
| Noncurrent loans to loans | 0.8849% | 1,843 |
| Net loans and leases to total assets | 79.3550% | 774 |
| Net loans and leases to deposits | 98.4060% | 668 |
| Net loans and leases to core deposits | 100.6504% | 1,423 |
| Total domestic deposits to total assets | 80.6404% | 3,735 |
| Equity capital to assets | 11.7292% | 2,260 |
| Core capital (leverage) ratio | 10.3064% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,329,094,000 | 630 |
| Average earning assets | $1,212,890,500 | 628 |
| Average equity | $154,955,500 | 643 |
| Average total loans | $1,058,276,000 | 567 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 3,008 |
| Cost of funding earning assets | 0.9149% | 2,136 |
| Net interest margin | 3.5663% | 3,240 |
| Noninterest income to average assets | 1.0057% | 963 |
| Noninterest expense to average assets | 2.8446% | 2,461 |
| Loan and lease loss provision to assets | 0.1602% | 1,309 |
| Net operating income to assets | 0.9612% | 2,977 |
| Return on assets (ROA) | 0.9618% | 3,060 |
| Pretax return on assets | 1.2618% | 2,635 |
| Return on Equity (ROE) | 8.3993% | 2,989 |
| Retained earnings to average equity (ytd only) | 5.2413% | 2,293 |
| Net charge-offs to loans | 0.0409% | 2,568 |
| Credit loss provision to net charge-offs | 488.4319% | 599 |
| Earnings coverage of net charge-offs (x) | 43.3445% | 1,239 |
| Efficiency ratio | 66.6831% | 2,665 |
| Assets per employee ($millions) | 5.6262% | 1,948 |
| Cash dividends to net income (ytd only)* | 37.5986% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 4,241 |
| Loan loss allowance to noncurrent loans | 190.7860% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 3,048 |
| Noncurrent loans to loans | 0.4302% | 2,906 |
| Net loans and leases to total assets | 78.5389% | 997 |
| Net loans and leases to deposits | 90.3380% | 1,547 |
| Net loans and leases to core deposits | 92.2882% | 2,208 |
| Total domestic deposits to total assets | 86.9389% | 1,641 |
| Equity capital to assets | 11.5875% | 2,445 |
| Core capital (leverage) ratio | 10.2856% | 3,205 |
| Tier 1 risk-based capital ratio | 11.6859% | 4,532 |
| Total risk-based capital ratio | 12.4440% | 4,673 |
| Memoranda: | ||
| Average total assets | $1,186,360,400 | 668 |
| Average earning assets | $1,084,523,800 | 671 |
| Average equity | $135,844,000 | 681 |
| Average total loans | $950,064,400 | 602 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 3,313 |
| Cost of funding earning assets | 0.9498% | 1,991 |
| Net interest margin | 3.4617% | 3,689 |
| Noninterest income to average assets | 0.9939% | 948 |
| Noninterest expense to average assets | 2.8402% | 2,438 |
| Loan and lease loss provision to assets | 0.1458% | 1,310 |
| Net operating income to assets | 0.8884% | 3,389 |
| Return on assets (ROA) | 0.8891% | 3,461 |
| Pretax return on assets | 1.1771% | 3,054 |
| Return on Equity (ROE) | 7.7917% | 3,391 |
| Retained earnings to average equity (ytd only) | 4.8514% | 2,962 |
| Net charge-offs to loans | 0.0297% | 2,487 |
| Credit loss provision to net charge-offs | 611.6505% | 533 |
| Earnings coverage of net charge-offs (x) | 55.4660% | 1,117 |
| Efficiency ratio | 68.2391% | 2,375 |
| Assets per employee ($millions) | 5.6078% | 1,931 |
| Cash dividends to net income (ytd only)* | 37.7359% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 4,480 |
| Loan loss allowance to noncurrent loans | 185.8383% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 3,208 |
| Noncurrent loans to loans | 0.4164% | 3,051 |
| Net loans and leases to total assets | 79.1565% | 967 |
| Net loans and leases to deposits | 93.0840% | 1,308 |
| Net loans and leases to core deposits | 102.8894% | 1,420 |
| Total domestic deposits to total assets | 85.0376% | 2,413 |
| Equity capital to assets | 11.4596% | 2,687 |
| Core capital (leverage) ratio | 10.1553% | 3,471 |
| Tier 1 risk-based capital ratio | 11.3897% | 4,724 |
| Total risk-based capital ratio | 12.0974% | 4,869 |
| Memoranda: | ||
| Average total assets | $1,152,412,500 | 689 |
| Average earning assets | $1,054,701,500 | 687 |
| Average equity | $131,504,000 | 697 |
| Average total loans | $925,831,500 | 621 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 3,994 |
| Cost of funding earning assets | 0.9303% | 2,011 |
| Net interest margin | 3.2390% | 4,270 |
| Noninterest income to average assets | 0.9088% | 1,061 |
| Noninterest expense to average assets | 2.5345% | 3,368 |
| Loan and lease loss provision to assets | 0.1531% | 1,191 |
| Net operating income to assets | 0.8873% | 3,333 |
| Return on assets (ROA) | 0.8920% | 3,380 |
| Pretax return on assets | 1.1926% | 2,928 |
| Return on Equity (ROE) | 7.8305% | 3,361 |
| Retained earnings to average equity (ytd only) | 5.2704% | 2,632 |
| Net charge-offs to loans | 0.0122% | 2,700 |
| Credit loss provision to net charge-offs | 1,555.5556% | 235 |
| Earnings coverage of net charge-offs (x) | 136.1111% | 540 |
| Efficiency ratio | 65.4199% | 2,902 |
| Assets per employee ($millions) | 5.6029% | 1,868 |
| Cash dividends to net income (ytd only)* | 32.6931% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 4,591 |
| Loan loss allowance to noncurrent loans | 196.6758% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 3,248 |
| Noncurrent loans to loans | 0.3836% | 3,152 |
| Net loans and leases to total assets | 79.3027% | 1,001 |
| Net loans and leases to deposits | 97.4799% | 892 |
| Net loans and leases to core deposits | 105.4979% | 1,276 |
| Total domestic deposits to total assets | 81.3528% | 3,706 |
| Equity capital to assets | 11.3974% | 2,703 |
| Core capital (leverage) ratio | 10.2362% | 3,350 |
| Tier 1 risk-based capital ratio | 11.3730% | 4,752 |
| Total risk-based capital ratio | 12.0650% | 4,899 |
| Memoranda: | ||
| Average total assets | $1,097,272,330 | 725 |
| Average earning assets | $1,004,582,000 | 720 |
| Average equity | $124,999,000 | 723 |
| Average total loans | $884,013,330 | 653 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 3,590 |
| Cost of funding earning assets | 0.9319% | 1,880 |
| Net interest margin | 3.3597% | 4,010 |
| Noninterest income to average assets | 0.8538% | 1,163 |
| Noninterest expense to average assets | 2.6038% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0001% | 2,840 |
| Return on assets (ROA) | 1.0109% | 2,847 |
| Pretax return on assets | 1.3508% | 2,260 |
| Return on Equity (ROE) | 8.8768% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.8768% | 1,364 |
| Net charge-offs to loans | 0.0338% | 1,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 48.8235% | 1,045 |
| Efficiency ratio | 66.0705% | 2,933 |
| Assets per employee ($millions) | 5.6728% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 4,288 |
| Loan loss allowance to noncurrent loans | 278.6651% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 3,458 |
| Noncurrent loans to loans | 0.3102% | 3,455 |
| Net loans and leases to total assets | 80.5595% | 774 |
| Net loans and leases to deposits | 97.3200% | 861 |
| Net loans and leases to core deposits | 99.0554% | 1,702 |
| Total domestic deposits to total assets | 82.7779% | 3,475 |
| Equity capital to assets | 11.5065% | 2,392 |
| Core capital (leverage) ratio | 11.1193% | 2,457 |
| Tier 1 risk-based capital ratio | 12.2629% | 4,318 |
| Total risk-based capital ratio | 13.0499% | 4,471 |
| Memoranda: | ||
| Average total assets | $993,173,500 | 792 |
| Average earning assets | $912,568,000 | 789 |
| Average equity | $113,104,000 | 790 |
| Average total loans | $804,449,000 | 714 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 3,378 |
| Cost of funding earning assets | 0.6413% | 2,455 |
| Net interest margin | 3.5822% | 3,440 |
| Noninterest income to average assets | 1.1450% | 700 |
| Noninterest expense to average assets | 2.6852% | 3,076 |
| Loan and lease loss provision to assets | 0.1042% | 2,107 |
| Net operating income to assets | 1.2436% | 1,999 |
| Return on assets (ROA) | 1.2455% | 1,990 |
| Pretax return on assets | 1.6683% | 1,255 |
| Return on Equity (ROE) | 11.2492% | 1,989 |
| Retained earnings to average equity (ytd only) | 7.9824% | 1,244 |
| Net charge-offs to loans | -0.0330% | 4,844 |
| Credit loss provision to net charge-offs | -398.4064% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2676% | 3,809 |
| Assets per employee ($millions) | 5.4282% | 2,032 |
| Cash dividends to net income (ytd only)* | 29.0401% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 4,215 |
| Loan loss allowance to noncurrent loans | 269.2776% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 3,417 |
| Noncurrent loans to loans | 0.3298% | 3,367 |
| Net loans and leases to total assets | 80.0140% | 941 |
| Net loans and leases to deposits | 98.3600% | 866 |
| Net loans and leases to core deposits | 100.1385% | 1,710 |
| Total domestic deposits to total assets | 81.3481% | 3,816 |
| Equity capital to assets | 11.2685% | 2,454 |
| Core capital (leverage) ratio | 11.0385% | 2,490 |
| Tier 1 risk-based capital ratio | 12.1546% | 4,322 |
| Total risk-based capital ratio | 12.9607% | 4,498 |
| Memoranda: | ||
| Average total assets | $959,408,800 | 795 |
| Average earning assets | $886,642,600 | 795 |
| Average equity | $106,220,600 | 806 |
| Average total loans | $761,725,800 | 731 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1053% | 3,615 |
| Cost of funding earning assets | 0.5974% | 2,489 |
| Net interest margin | 3.5079% | 3,672 |
| Noninterest income to average assets | 0.8982% | 1,206 |
| Noninterest expense to average assets | 2.7214% | 2,913 |
| Loan and lease loss provision to assets | 0.0420% | 3,146 |
| Net operating income to assets | 1.0388% | 2,929 |
| Return on assets (ROA) | 1.0379% | 2,938 |
| Pretax return on assets | 1.3818% | 2,294 |
| Return on Equity (ROE) | 9.4181% | 2,892 |
| Retained earnings to average equity (ytd only) | 6.0894% | 2,613 |
| Net charge-offs to loans | 0.0182% | 2,785 |
| Credit loss provision to net charge-offs | 291.2621% | 1,046 |
| Earnings coverage of net charge-offs (x) | 98.8057% | 763 |
| Efficiency ratio | 65.6345% | 2,935 |
| Assets per employee ($millions) | 5.1444% | 2,288 |
| Cash dividends to net income (ytd only)* | 35.3434% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 4,721 |
| Loan loss allowance to noncurrent loans | 146.2639% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 2,903 |
| Noncurrent loans to loans | 0.5230% | 2,816 |
| Net loans and leases to total assets | 80.0202% | 1,016 |
| Net loans and leases to deposits | 97.5340% | 993 |
| Net loans and leases to core deposits | 99.2251% | 1,851 |
| Total domestic deposits to total assets | 82.0434% | 3,599 |
| Equity capital to assets | 10.9166% | 2,735 |
| Core capital (leverage) ratio | 10.7542% | 2,834 |
| Tier 1 risk-based capital ratio | 11.7155% | 4,662 |
| Total risk-based capital ratio | 12.4007% | 4,868 |
| Memoranda: | ||
| Average total assets | $952,277,000 | 801 |
| Average earning assets | $881,754,750 | 799 |
| Average equity | $104,944,250 | 815 |
| Average total loans | $752,765,000 | 736 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,679 |
| Cost of funding earning assets | 0.5499% | 2,608 |
| Net interest margin | 3.4818% | 3,698 |
| Noninterest income to average assets | 0.8781% | 1,244 |
| Noninterest expense to average assets | 2.7240% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0324% | 2,885 |
| Return on assets (ROA) | 1.0311% | 2,889 |
| Pretax return on assets | 1.3735% | 2,248 |
| Return on Equity (ROE) | 9.3256% | 2,880 |
| Retained earnings to average equity (ytd only) | 6.0867% | 2,503 |
| Net charge-offs to loans | 0.0003% | 3,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6,490.0000% | 8 |
| Efficiency ratio | 66.4530% | 2,897 |
| Assets per employee ($millions) | 5.0189% | 2,394 |
| Cash dividends to net income (ytd only)* | 34.7308% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 4,805 |
| Loan loss allowance to noncurrent loans | 147.3844% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 3,087 |
| Noncurrent loans to loans | 0.5166% | 2,870 |
| Net loans and leases to total assets | 78.8846% | 1,180 |
| Net loans and leases to deposits | 95.9880% | 1,139 |
| Net loans and leases to core deposits | 97.5875% | 1,917 |
| Total domestic deposits to total assets | 82.1817% | 3,658 |
| Equity capital to assets | 10.9572% | 2,673 |
| Core capital (leverage) ratio | 10.8461% | 2,664 |
| Tier 1 risk-based capital ratio | 11.9969% | 4,496 |
| Total risk-based capital ratio | 12.6863% | 4,723 |
| Memoranda: | ||
| Average total assets | $943,891,670 | 808 |
| Average earning assets | $873,238,000 | 811 |
| Average equity | $104,358,330 | 816 |
| Average total loans | $740,962,330 | 748 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 3,788 |
| Cost of funding earning assets | 0.5067% | 2,745 |
| Net interest margin | 3.4428% | 3,732 |
| Noninterest income to average assets | 0.8591% | 1,266 |
| Noninterest expense to average assets | 2.6787% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0245% | 2,755 |
| Return on assets (ROA) | 1.0218% | 2,792 |
| Pretax return on assets | 1.3601% | 2,147 |
| Return on Equity (ROE) | 9.1996% | 2,807 |
| Retained earnings to average equity (ytd only) | 5.8259% | 2,793 |
| Net charge-offs to loans | -0.0044% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2676% | 3,114 |
| Assets per employee ($millions) | 4.9580% | 2,535 |
| Cash dividends to net income (ytd only)* | 36.6723% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 4,802 |
| Loan loss allowance to noncurrent loans | 149.7436% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 3,158 |
| Noncurrent loans to loans | 0.5308% | 2,931 |
| Net loans and leases to total assets | 78.2040% | 1,212 |
| Net loans and leases to deposits | 90.7915% | 1,585 |
| Net loans and leases to core deposits | 92.1236% | 2,292 |
| Total domestic deposits to total assets | 86.1358% | 2,484 |
| Equity capital to assets | 11.1603% | 2,419 |
| Core capital (leverage) ratio | 10.7469% | 2,692 |
| Tier 1 risk-based capital ratio | 12.1948% | 4,438 |
| Total risk-based capital ratio | 12.9084% | 4,658 |
| Memoranda: | ||
| Average total assets | $934,023,000 | 817 |
| Average earning assets | $863,591,500 | 825 |
| Average equity | $103,744,000 | 824 |
| Average total loans | $728,450,000 | 755 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 3,252 |
| Cost of funding earning assets | 0.4289% | 2,966 |
| Net interest margin | 3.6188% | 3,106 |
| Noninterest income to average assets | 0.8973% | 1,276 |
| Noninterest expense to average assets | 2.7538% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8842% | 2,794 |
| Return on assets (ROA) | 0.8925% | 2,783 |
| Pretax return on assets | 1.4851% | 1,700 |
| Return on Equity (ROE) | 8.0176% | 2,784 |
| Retained earnings to average equity (ytd only) | 5.3057% | 1,927 |
| Net charge-offs to loans | 0.0392% | 3,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 49.0368% | 1,097 |
| Efficiency ratio | 65.1640% | 3,412 |
| Assets per employee ($millions) | 4.9260% | 2,569 |
| Cash dividends to net income (ytd only)* | 33.8239% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 4,801 |
| Loan loss allowance to noncurrent loans | 139.6217% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 3,084 |
| Noncurrent loans to loans | 0.5784% | 2,772 |
| Net loans and leases to total assets | 76.5310% | 1,508 |
| Net loans and leases to deposits | 88.2103% | 1,998 |
| Net loans and leases to core deposits | 89.5395% | 2,611 |
| Total domestic deposits to total assets | 86.7597% | 2,106 |
| Equity capital to assets | 11.0544% | 2,578 |
| Core capital (leverage) ratio | 10.7456% | 2,597 |
| Tier 1 risk-based capital ratio | 12.7928% | 4,039 |
| Total risk-based capital ratio | 13.5529% | 4,239 |
| Memoranda: | ||
| Average total assets | $906,016,800 | 825 |
| Average earning assets | $833,380,400 | 827 |
| Average equity | $100,853,200 | 819 |
| Average total loans | $693,676,200 | 754 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 3,768 |
| Cost of funding earning assets | 0.4150% | 3,042 |
| Net interest margin | 3.4541% | 3,665 |
| Noninterest income to average assets | 0.8747% | 1,356 |
| Noninterest expense to average assets | 2.7266% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8519% | 3,265 |
| Return on assets (ROA) | 0.8630% | 3,261 |
| Pretax return on assets | 1.3420% | 2,319 |
| Return on Equity (ROE) | 7.7389% | 3,270 |
| Retained earnings to average equity (ytd only) | 5.0976% | 2,809 |
| Net charge-offs to loans | 0.0266% | 2,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 65.1613% | 945 |
| Efficiency ratio | 67.3028% | 3,000 |
| Assets per employee ($millions) | 4.8840% | 2,591 |
| Cash dividends to net income (ytd only)* | 34.1300% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8372% | 4,797 |
| Loan loss allowance to noncurrent loans | 44.0443% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 1.4836% | 1,030 |
| Noncurrent loans to loans | 1.9008% | 913 |
| Net loans and leases to total assets | 77.3968% | 1,368 |
| Net loans and leases to deposits | 93.7618% | 1,326 |
| Net loans and leases to core deposits | 95.3739% | 2,139 |
| Total domestic deposits to total assets | 82.5461% | 3,607 |
| Equity capital to assets | 11.1981% | 2,673 |
| Core capital (leverage) ratio | 10.7381% | 2,718 |
| Tier 1 risk-based capital ratio | 12.6867% | 4,217 |
| Total risk-based capital ratio | 13.4702% | 4,379 |
| Memoranda: | ||
| Average total assets | $898,537,250 | 838 |
| Average earning assets | $826,309,000 | 841 |
| Average equity | $100,201,000 | 824 |
| Average total loans | $686,567,250 | 762 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 3,990 |
| Cost of funding earning assets | 0.3871% | 3,211 |
| Net interest margin | 3.3852% | 3,825 |
| Noninterest income to average assets | 0.8630% | 1,383 |
| Noninterest expense to average assets | 2.7430% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7949% | 3,420 |
| Return on assets (ROA) | 0.8118% | 3,400 |
| Pretax return on assets | 1.2558% | 2,551 |
| Return on Equity (ROE) | 7.2897% | 3,403 |
| Retained earnings to average equity (ytd only) | 4.8076% | 2,842 |
| Net charge-offs to loans | 0.0395% | 2,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 41.0075% | 1,226 |
| Efficiency ratio | 69.0440% | 2,844 |
| Assets per employee ($millions) | 4.8080% | 2,640 |
| Cash dividends to net income (ytd only)* | 34.0502% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 4,804 |
| Loan loss allowance to noncurrent loans | 30.0478% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 2.2106% | 535 |
| Noncurrent loans to loans | 2.8419% | 477 |
| Net loans and leases to total assets | 77.1215% | 1,372 |
| Net loans and leases to deposits | 93.4075% | 1,319 |
| Net loans and leases to core deposits | 94.9991% | 2,067 |
| Total domestic deposits to total assets | 82.5645% | 3,701 |
| Equity capital to assets | 11.2209% | 2,570 |
| Core capital (leverage) ratio | 10.5937% | 2,820 |
| Tier 1 risk-based capital ratio | 12.5931% | 4,246 |
| Total risk-based capital ratio | 13.3832% | 4,423 |
| Memoranda: | ||
| Average total assets | $893,610,670 | 848 |
| Average earning assets | $820,920,330 | 851 |
| Average equity | $99,510,000 | 831 |
| Average total loans | $677,807,670 | 776 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 4,043 |
| Cost of funding earning assets | 0.3511% | 3,520 |
| Net interest margin | 3.3707% | 3,761 |
| Noninterest income to average assets | 0.8509% | 1,393 |
| Noninterest expense to average assets | 2.7591% | 2,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7714% | 3,356 |
| Return on assets (ROA) | 0.7714% | 3,412 |
| Pretax return on assets | 1.1867% | 2,642 |
| Return on Equity (ROE) | 6.9539% | 3,421 |
| Retained earnings to average equity (ytd only) | 4.7479% | 3,039 |
| Net charge-offs to loans | 0.0702% | 1,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.5897% | 1,411 |
| Efficiency ratio | 69.9249% | 2,907 |
| Assets per employee ($millions) | 4.7335% | 2,789 |
| Cash dividends to net income (ytd only)* | 31.7229% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 4,877 |
| Loan loss allowance to noncurrent loans | 37.3200% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 1.7763% | 812 |
| Noncurrent loans to loans | 2.3192% | 703 |
| Net loans and leases to total assets | 75.8597% | 1,437 |
| Net loans and leases to deposits | 90.5138% | 1,478 |
| Net loans and leases to core deposits | 91.9339% | 2,169 |
| Total domestic deposits to total assets | 83.8101% | 3,545 |
| Equity capital to assets | 11.0093% | 2,619 |
| Core capital (leverage) ratio | 10.7598% | 2,632 |
| Tier 1 risk-based capital ratio | 12.5110% | 4,383 |
| Total risk-based capital ratio | 13.3083% | 4,571 |
| Memoranda: | ||
| Average total assets | $890,869,500 | 852 |
| Average earning assets | $817,994,000 | 853 |
| Average equity | $98,822,000 | 833 |
| Average total loans | $667,028,500 | 789 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7689% | 3,999 |
| Cost of funding earning assets | 0.3312% | 3,733 |
| Net interest margin | 3.4377% | 3,674 |
| Noninterest income to average assets | 0.9988% | 1,151 |
| Noninterest expense to average assets | 2.9637% | 2,453 |
| Loan and lease loss provision to assets | -0.2847% | 5,835 |
| Net operating income to assets | 0.9486% | 2,595 |
| Return on assets (ROA) | 0.9486% | 2,701 |
| Pretax return on assets | 1.4615% | 1,707 |
| Return on Equity (ROE) | 8.1364% | 2,869 |
| Retained earnings to average equity (ytd only) | 5.2999% | 2,130 |
| Net charge-offs to loans | 0.0427% | 3,182 |
| Credit loss provision to net charge-offs | -932.5397% | 5,286 |
| Earnings coverage of net charge-offs (x) | 38.5556% | 1,206 |
| Efficiency ratio | 71.5765% | 2,653 |
| Assets per employee ($millions) | 4.5950% | 2,968 |
| Cash dividends to net income (ytd only)* | 34.8614% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 4,576 |
| Loan loss allowance to noncurrent loans | 37.3159% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 1.8644% | 774 |
| Noncurrent loans to loans | 2.5478% | 611 |
| Net loans and leases to total assets | 72.4803% | 2,095 |
| Net loans and leases to deposits | 84.1967% | 2,391 |
| Net loans and leases to core deposits | 85.5195% | 2,886 |
| Total domestic deposits to total assets | 86.0845% | 2,542 |
| Equity capital to assets | 11.1787% | 2,444 |
| Core capital (leverage) ratio | 10.7893% | 2,542 |
| Tier 1 risk-based capital ratio | 13.0592% | 4,028 |
| Total risk-based capital ratio | 13.9185% | 4,168 |
| Memoranda: | ||
| Average total assets | $825,569,400 | 882 |
| Average earning assets | $754,493,600 | 884 |
| Average equity | $96,247,000 | 825 |
| Average total loans | $590,158,400 | 844 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 3,993 |
| Cost of funding earning assets | 0.3235% | 3,832 |
| Net interest margin | 3.4540% | 3,655 |
| Noninterest income to average assets | 1.0298% | 1,080 |
| Noninterest expense to average assets | 2.9457% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8265% | 3,252 |
| Return on assets (ROA) | 0.8265% | 3,379 |
| Pretax return on assets | 1.2430% | 2,640 |
| Return on Equity (ROE) | 7.0116% | 3,556 |
| Retained earnings to average equity (ytd only) | 4.7426% | 2,987 |
| Net charge-offs to loans | 0.0619% | 2,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 28.2653% | 1,540 |
| Efficiency ratio | 70.3255% | 2,842 |
| Assets per employee ($millions) | 4.3011% | 3,415 |
| Cash dividends to net income (ytd only)* | 32.3606% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 2,426 |
| Loan loss allowance to noncurrent loans | 52.3833% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 2.0195% | 771 |
| Noncurrent loans to loans | 2.5820% | 664 |
| Net loans and leases to total assets | 73.7731% | 1,909 |
| Net loans and leases to deposits | 91.0092% | 1,631 |
| Net loans and leases to core deposits | 92.6367% | 2,321 |
| Total domestic deposits to total assets | 81.0612% | 4,234 |
| Equity capital to assets | 11.7308% | 2,314 |
| Core capital (leverage) ratio | 11.3014% | 2,187 |
| Tier 1 risk-based capital ratio | 13.0223% | 4,146 |
| Total risk-based capital ratio | 14.2287% | 4,089 |
| Memoranda: | ||
| Average total assets | $812,549,500 | 894 |
| Average earning assets | $743,128,250 | 895 |
| Average equity | $95,781,250 | 831 |
| Average total loans | $577,140,750 | 858 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7628% | 4,080 |
| Cost of funding earning assets | 0.3168% | 3,943 |
| Net interest margin | 3.4460% | 3,704 |
| Noninterest income to average assets | 0.9982% | 1,121 |
| Noninterest expense to average assets | 2.9384% | 2,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8047% | 3,289 |
| Return on assets (ROA) | 0.8047% | 3,425 |
| Pretax return on assets | 1.2100% | 2,750 |
| Return on Equity (ROE) | 6.8153% | 3,640 |
| Retained earnings to average equity (ytd only) | 4.6382% | 2,951 |
| Net charge-offs to loans | 0.0979% | 1,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 17.7164% | 1,864 |
| Efficiency ratio | 70.8316% | 2,855 |
| Assets per employee ($millions) | 4.0799% | 3,768 |
| Cash dividends to net income (ytd only)* | 31.9444% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 2,045 |
| Loan loss allowance to noncurrent loans | 50.3252% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 2.2636% | 662 |
| Noncurrent loans to loans | 2.8927% | 528 |
| Net loans and leases to total assets | 71.3868% | 2,269 |
| Net loans and leases to deposits | 86.4309% | 2,202 |
| Net loans and leases to core deposits | 88.0117% | 2,725 |
| Total domestic deposits to total assets | 82.5941% | 3,798 |
| Equity capital to assets | 12.1061% | 2,049 |
| Core capital (leverage) ratio | 11.5152% | 1,984 |
| Tier 1 risk-based capital ratio | 13.9302% | 3,641 |
| Total risk-based capital ratio | 15.1809% | 3,563 |
| Memoranda: | ||
| Average total assets | $805,263,670 | 898 |
| Average earning assets | $736,148,670 | 901 |
| Average equity | $95,080,670 | 836 |
| Average total loans | $561,518,330 | 878 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6798% | 4,388 |
| Cost of funding earning assets | 0.3098% | 4,065 |
| Net interest margin | 3.3700% | 3,979 |
| Noninterest income to average assets | 0.8682% | 1,386 |
| Noninterest expense to average assets | 2.8800% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7143% | 3,641 |
| Return on assets (ROA) | 0.7143% | 3,760 |
| Pretax return on assets | 1.0742% | 3,186 |
| Return on Equity (ROE) | 6.1263% | 3,922 |
| Retained earnings to average equity (ytd only) | 4.1946% | 3,381 |
| Net charge-offs to loans | 0.1701% | 1,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.2340% | 2,000 |
| Efficiency ratio | 72.8343% | 2,674 |
| Assets per employee ($millions) | 4.2579% | 3,476 |
| Cash dividends to net income (ytd only)* | 31.5315% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,852 |
| Loan loss allowance to noncurrent loans | 44.5731% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.4960% | 596 |
| Noncurrent loans to loans | 3.4415% | 403 |
| Net loans and leases to total assets | 67.2211% | 2,777 |
| Net loans and leases to deposits | 79.7365% | 2,831 |
| Net loans and leases to core deposits | 81.1012% | 3,223 |
| Total domestic deposits to total assets | 84.3041% | 3,395 |
| Equity capital to assets | 11.7565% | 2,195 |
| Core capital (leverage) ratio | 11.1114% | 2,302 |
| Tier 1 risk-based capital ratio | 14.6776% | 3,298 |
| Total risk-based capital ratio | 15.9296% | 3,241 |
| Memoranda: | ||
| Average total assets | $808,062,500 | 900 |
| Average earning assets | $739,937,000 | 901 |
| Average equity | $94,217,000 | 839 |
| Average total loans | $552,633,000 | 891 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 3,830 |
| Cost of funding earning assets | 0.2964% | 4,291 |
| Net interest margin | 3.5688% | 3,245 |
| Noninterest income to average assets | 0.8526% | 1,598 |
| Noninterest expense to average assets | 2.9272% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7470% | 3,591 |
| Return on assets (ROA) | 0.7473% | 3,682 |
| Pretax return on assets | 1.1658% | 2,790 |
| Return on Equity (ROE) | 6.2995% | 3,903 |
| Retained earnings to average equity (ytd only) | 4.0750% | 3,104 |
| Net charge-offs to loans | 0.0828% | 2,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 20.2427% | 1,890 |
| Efficiency ratio | 71.5261% | 2,976 |
| Assets per employee ($millions) | 4.3161% | 3,359 |
| Cash dividends to net income (ytd only)* | 35.3124% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,704 |
| Loan loss allowance to noncurrent loans | 40.4544% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 2.7674% | 515 |
| Noncurrent loans to loans | 3.8922% | 319 |
| Net loans and leases to total assets | 67.4329% | 2,794 |
| Net loans and leases to deposits | 79.7431% | 2,848 |
| Net loans and leases to core deposits | 81.0974% | 3,233 |
| Total domestic deposits to total assets | 84.5627% | 3,266 |
| Equity capital to assets | 11.5625% | 2,312 |
| Core capital (leverage) ratio | 11.1969% | 2,219 |
| Tier 1 risk-based capital ratio | 14.4749% | 3,459 |
| Total risk-based capital ratio | 15.7272% | 3,366 |
| Memoranda: | ||
| Average total assets | $773,029,400 | 896 |
| Average earning assets | $701,770,600 | 915 |
| Average equity | $91,706,400 | 829 |
| Average total loans | $537,451,600 | 873 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 4,361 |
| Cost of funding earning assets | 0.2955% | 4,391 |
| Net interest margin | 3.4244% | 3,860 |
| Noninterest income to average assets | 0.8739% | 1,530 |
| Noninterest expense to average assets | 2.9318% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6978% | 3,907 |
| Return on assets (ROA) | 0.6978% | 4,018 |
| Pretax return on assets | 1.0427% | 3,443 |
| Return on Equity (ROE) | 5.8427% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.8903% | 3,703 |
| Net charge-offs to loans | 0.1332% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 11.2176% | 2,515 |
| Efficiency ratio | 73.7648% | 2,599 |
| Assets per employee ($millions) | 4.1096% | 3,685 |
| Cash dividends to net income (ytd only)* | 33.4166% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 1,835 |
| Loan loss allowance to noncurrent loans | 35.6880% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 3.2088% | 441 |
| Noncurrent loans to loans | 4.4478% | 250 |
| Net loans and leases to total assets | 68.4356% | 2,615 |
| Net loans and leases to deposits | 82.9457% | 2,535 |
| Net loans and leases to core deposits | 84.6169% | 2,972 |
| Total domestic deposits to total assets | 82.5065% | 3,989 |
| Equity capital to assets | 11.8749% | 2,193 |
| Core capital (leverage) ratio | 11.3814% | 2,126 |
| Tier 1 risk-based capital ratio | 14.5268% | 3,556 |
| Total risk-based capital ratio | 15.7793% | 3,470 |
| Memoranda: | ||
| Average total assets | $764,507,000 | 909 |
| Average earning assets | $692,222,500 | 933 |
| Average equity | $91,302,250 | 840 |
| Average total loans | $533,571,750 | 888 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 4,475 |
| Cost of funding earning assets | 0.2902% | 4,505 |
| Net interest margin | 3.3872% | 3,945 |
| Noninterest income to average assets | 0.9066% | 1,423 |
| Noninterest expense to average assets | 2.8967% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7056% | 3,865 |
| Return on assets (ROA) | 0.7056% | 3,984 |
| Pretax return on assets | 1.0695% | 3,304 |
| Return on Equity (ROE) | 5.8968% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.8336% | 3,561 |
| Net charge-offs to loans | 0.0075% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 202.9500% | 347 |
| Efficiency ratio | 73.0353% | 2,831 |
| Assets per employee ($millions) | 4.1161% | 3,646 |
| Cash dividends to net income (ytd only)* | 34.9888% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 1,584 |
| Loan loss allowance to noncurrent loans | 30.5255% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 4.2834% | 292 |
| Noncurrent loans to loans | 5.5861% | 186 |
| Net loans and leases to total assets | 68.3897% | 2,589 |
| Net loans and leases to deposits | 82.8718% | 2,452 |
| Net loans and leases to core deposits | 85.3474% | 2,840 |
| Total domestic deposits to total assets | 82.5247% | 4,119 |
| Equity capital to assets | 11.8886% | 2,113 |
| Core capital (leverage) ratio | 11.4743% | 2,014 |
| Tier 1 risk-based capital ratio | 14.0967% | 3,866 |
| Total risk-based capital ratio | 15.3496% | 3,796 |
| Memoranda: | ||
| Average total assets | $759,065,330 | 918 |
| Average earning assets | $685,649,670 | 938 |
| Average equity | $90,828,670 | 844 |
| Average total loans | $530,433,670 | 895 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 4,058 |
| Cost of funding earning assets | 0.2863% | 4,594 |
| Net interest margin | 3.5010% | 3,434 |
| Noninterest income to average assets | 1.0269% | 1,064 |
| Noninterest expense to average assets | 2.9734% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8007% | 3,254 |
| Return on assets (ROA) | 0.7913% | 3,446 |
| Pretax return on assets | 1.1994% | 2,673 |
| Return on Equity (ROE) | 6.5909% | 3,717 |
| Retained earnings to average equity (ytd only) | 4.2923% | 3,440 |
| Net charge-offs to loans | 0.0333% | 2,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 51.9773% | 816 |
| Efficiency ratio | 71.0139% | 3,319 |
| Assets per employee ($millions) | 3.9834% | 3,998 |
| Cash dividends to net income (ytd only)* | 34.8759% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 1,702 |
| Loan loss allowance to noncurrent loans | 33.8751% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 3.9593% | 379 |
| Noncurrent loans to loans | 5.0584% | 262 |
| Net loans and leases to total assets | 69.7602% | 2,173 |
| Net loans and leases to deposits | 82.4412% | 2,281 |
| Net loans and leases to core deposits | 84.9160% | 2,665 |
| Total domestic deposits to total assets | 84.6181% | 3,576 |
| Equity capital to assets | 12.1869% | 1,904 |
| Core capital (leverage) ratio | 11.4410% | 2,045 |
| Tier 1 risk-based capital ratio | 13.9165% | 4,076 |
| Total risk-based capital ratio | 15.1694% | 3,999 |
| Memoranda: | ||
| Average total assets | $753,738,000 | 922 |
| Average earning assets | $680,369,500 | 943 |
| Average equity | $90,488,500 | 850 |
| Average total loans | $527,880,000 | 893 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 4,429 |
| Cost of funding earning assets | 0.3053% | 4,739 |
| Net interest margin | 3.5143% | 3,737 |
| Noninterest income to average assets | 0.8519% | 1,676 |
| Noninterest expense to average assets | 2.8640% | 3,254 |
| Loan and lease loss provision to assets | 0.1457% | 1,812 |
| Net operating income to assets | 0.6097% | 4,323 |
| Return on assets (ROA) | 0.6543% | 4,223 |
| Pretax return on assets | 1.0683% | 3,211 |
| Return on Equity (ROE) | 5.6522% | 4,333 |
| Retained earnings to average equity (ytd only) | 3.8293% | 3,490 |
| Net charge-offs to loans | 0.3372% | 1,302 |
| Credit loss provision to net charge-offs | 64.8855% | 3,187 |
| Earnings coverage of net charge-offs (x) | 5.0945% | 3,500 |
| Efficiency ratio | 71.4521% | 3,302 |
| Assets per employee ($millions) | 4.1005% | 3,720 |
| Cash dividends to net income (ytd only)* | 32.2516% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 1,676 |
| Loan loss allowance to noncurrent loans | 36.4447% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.7247% | 479 |
| Noncurrent loans to loans | 4.7777% | 325 |
| Net loans and leases to total assets | 68.0819% | 2,547 |
| Net loans and leases to deposits | 80.2634% | 2,684 |
| Net loans and leases to core deposits | 82.0702% | 3,100 |
| Total domestic deposits to total assets | 84.8231% | 3,358 |
| Equity capital to assets | 11.8261% | 2,152 |
| Core capital (leverage) ratio | 11.0008% | 2,411 |
| Tier 1 risk-based capital ratio | 14.0173% | 4,080 |
| Total risk-based capital ratio | 15.2714% | 4,006 |
| Memoranda: | ||
| Average total assets | $758,210,600 | 894 |
| Average earning assets | $680,986,400 | 902 |
| Average equity | $87,770,600 | 842 |
| Average total loans | $505,114,800 | 885 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 4,429 |
| Cost of funding earning assets | 0.3113% | 4,763 |
| Net interest margin | 3.5213% | 3,751 |
| Noninterest income to average assets | 0.8509% | 1,694 |
| Noninterest expense to average assets | 2.8141% | 3,408 |
| Loan and lease loss provision to assets | 0.1943% | 1,238 |
| Net operating income to assets | 0.6084% | 4,411 |
| Return on assets (ROA) | 0.6504% | 4,311 |
| Pretax return on assets | 1.0707% | 3,297 |
| Return on Equity (ROE) | 5.6488% | 4,422 |
| Retained earnings to average equity (ytd only) | 5.6488% | 2,640 |
| Net charge-offs to loans | 0.3320% | 1,209 |
| Credit loss provision to net charge-offs | 88.7550% | 2,457 |
| Earnings coverage of net charge-offs (x) | 5.4779% | 3,254 |
| Efficiency ratio | 70.1152% | 3,488 |
| Assets per employee ($millions) | 3.9915% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8640% | 1,541 |
| Loan loss allowance to noncurrent loans | 35.9750% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 4.1415% | 457 |
| Noncurrent loans to loans | 5.1815% | 333 |
| Net loans and leases to total assets | 68.1461% | 2,513 |
| Net loans and leases to deposits | 80.7761% | 2,576 |
| Net loans and leases to core deposits | 83.1239% | 2,982 |
| Total domestic deposits to total assets | 84.3643% | 3,608 |
| Equity capital to assets | 12.0744% | 1,996 |
| Core capital (leverage) ratio | 10.8603% | 2,622 |
| Tier 1 risk-based capital ratio | 14.3355% | 4,000 |
| Total risk-based capital ratio | 15.5912% | 3,922 |
| Memoranda: | ||
| Average total assets | $758,116,250 | 902 |
| Average earning assets | $680,905,000 | 909 |
| Average equity | $87,285,500 | 849 |
| Average total loans | $499,990,250 | 897 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 4,478 |
| Cost of funding earning assets | 0.3210% | 4,746 |
| Net interest margin | 3.4920% | 3,815 |
| Noninterest income to average assets | 0.8358% | 1,718 |
| Noninterest expense to average assets | 2.7979% | 3,518 |
| Loan and lease loss provision to assets | 0.2633% | 797 |
| Net operating income to assets | 0.5589% | 4,548 |
| Return on assets (ROA) | 0.5610% | 4,646 |
| Pretax return on assets | 0.9097% | 3,850 |
| Return on Equity (ROE) | 4.9503% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.9503% | 2,990 |
| Net charge-offs to loans | 0.3658% | 1,117 |
| Credit loss provision to net charge-offs | 111.0497% | 1,810 |
| Earnings coverage of net charge-offs (x) | 4.9337% | 3,016 |
| Efficiency ratio | 70.5164% | 3,570 |
| Assets per employee ($millions) | 4.1790% | 3,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9222% | 1,526 |
| Loan loss allowance to noncurrent loans | 53.1685% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.9279% | 881 |
| Noncurrent loans to loans | 3.6154% | 721 |
| Net loans and leases to total assets | 64.6575% | 2,973 |
| Net loans and leases to deposits | 77.6006% | 2,850 |
| Net loans and leases to core deposits | 79.1289% | 3,310 |
| Total domestic deposits to total assets | 83.3209% | 4,182 |
| Equity capital to assets | 11.3747% | 2,530 |
| Core capital (leverage) ratio | 10.6654% | 2,757 |
| Tier 1 risk-based capital ratio | 13.9037% | 4,321 |
| Total risk-based capital ratio | 15.1597% | 4,262 |
| Memoranda: | ||
| Average total assets | $763,345,670 | 890 |
| Average earning assets | $684,647,000 | 902 |
| Average equity | $86,499,330 | 847 |
| Average total loans | $494,805,000 | 898 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8258% | 4,380 |
| Cost of funding earning assets | 0.3399% | 4,645 |
| Net interest margin | 3.4859% | 3,760 |
| Noninterest income to average assets | 0.8747% | 1,471 |
| Noninterest expense to average assets | 2.8716% | 3,310 |
| Loan and lease loss provision to assets | 0.3067% | 621 |
| Net operating income to assets | 0.5294% | 4,558 |
| Return on assets (ROA) | 0.5294% | 4,625 |
| Pretax return on assets | 0.8208% | 4,022 |
| Return on Equity (ROE) | 4.6807% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.6807% | 3,309 |
| Net charge-offs to loans | 0.1613% | 1,753 |
| Credit loss provision to net charge-offs | 295.9184% | 807 |
| Earnings coverage of net charge-offs (x) | 10.8776% | 1,822 |
| Efficiency ratio | 71.8064% | 3,523 |
| Assets per employee ($millions) | 3.9422% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0896% | 1,345 |
| Loan loss allowance to noncurrent loans | 48.7540% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 3.3338% | 794 |
| Noncurrent loans to loans | 4.2861% | 603 |
| Net loans and leases to total assets | 62.7323% | 3,116 |
| Net loans and leases to deposits | 73.5232% | 3,127 |
| Net loans and leases to core deposits | 75.7204% | 3,436 |
| Total domestic deposits to total assets | 85.3232% | 3,708 |
| Equity capital to assets | 11.4119% | 2,321 |
| Core capital (leverage) ratio | 10.7918% | 2,609 |
| Tier 1 risk-based capital ratio | 14.7545% | 3,848 |
| Total risk-based capital ratio | 16.0122% | 3,792 |
| Memoranda: | ||
| Average total assets | $756,375,500 | 903 |
| Average earning assets | $677,923,000 | 913 |
| Average equity | $85,542,000 | 858 |
| Average total loans | $485,995,500 | 919 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 4,510 |
| Cost of funding earning assets | 0.4340% | 4,275 |
| Net interest margin | 3.4522% | 4,087 |
| Noninterest income to average assets | 0.9075% | 1,655 |
| Noninterest expense to average assets | 2.7972% | 3,738 |
| Loan and lease loss provision to assets | 0.6157% | 399 |
| Net operating income to assets | 0.4425% | 4,989 |
| Return on assets (ROA) | 0.4794% | 4,965 |
| Pretax return on assets | 0.6387% | 4,743 |
| Return on Equity (ROE) | 4.4612% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.4612% | 2,999 |
| Net charge-offs to loans | 2.0999% | 167 |
| Credit loss provision to net charge-offs | 45.2830% | 3,931 |
| Earnings coverage of net charge-offs (x) | 0.8864% | 4,791 |
| Efficiency ratio | 69.8865% | 3,853 |
| Assets per employee ($millions) | 3.9163% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0019% | 1,548 |
| Loan loss allowance to noncurrent loans | 40.4464% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 3.7492% | 739 |
| Noncurrent loans to loans | 4.9496% | 516 |
| Net loans and leases to total assets | 63.1455% | 3,191 |
| Net loans and leases to deposits | 73.9192% | 3,269 |
| Net loans and leases to core deposits | 76.0700% | 3,600 |
| Total domestic deposits to total assets | 85.4251% | 3,543 |
| Equity capital to assets | 11.2069% | 2,423 |
| Core capital (leverage) ratio | 10.3045% | 3,148 |
| Tier 1 risk-based capital ratio | 14.2930% | 4,089 |
| Total risk-based capital ratio | 15.5499% | 4,027 |
| Memoranda: | ||
| Average total assets | $779,573,200 | 863 |
| Average earning assets | $698,884,000 | 865 |
| Average equity | $83,766,600 | 851 |
| Average total loans | $504,781,800 | 845 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 4,586 |
| Cost of funding earning assets | 0.4514% | 4,259 |
| Net interest margin | 3.4267% | 4,179 |
| Noninterest income to average assets | 0.9074% | 1,732 |
| Noninterest expense to average assets | 2.7771% | 3,742 |
| Loan and lease loss provision to assets | 0.7754% | 257 |
| Net operating income to assets | 0.3401% | 5,467 |
| Return on assets (ROA) | 0.3799% | 5,473 |
| Pretax return on assets | 0.4763% | 5,432 |
| Return on Equity (ROE) | 3.5722% | 5,404 |
| Retained earnings to average equity (ytd only) | 3.5722% | 4,155 |
| Net charge-offs to loans | 2.2093% | 156 |
| Credit loss provision to net charge-offs | 54.1361% | 3,415 |
| Earnings coverage of net charge-offs (x) | 0.8392% | 4,576 |
| Efficiency ratio | 69.7935% | 3,791 |
| Assets per employee ($millions) | 4.0730% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3701% | 1,078 |
| Loan loss allowance to noncurrent loans | 41.3071% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 4.2891% | 710 |
| Noncurrent loans to loans | 5.7378% | 462 |
| Net loans and leases to total assets | 61.8457% | 3,386 |
| Net loans and leases to deposits | 72.3325% | 3,471 |
| Net loans and leases to core deposits | 74.5590% | 3,781 |
| Total domestic deposits to total assets | 85.5020% | 3,491 |
| Equity capital to assets | 10.7186% | 3,046 |
| Core capital (leverage) ratio | 10.3218% | 3,208 |
| Tier 1 risk-based capital ratio | 14.3788% | 4,164 |
| Total risk-based capital ratio | 15.6398% | 4,112 |
| Memoranda: | ||
| Average total assets | $785,506,500 | 855 |
| Average earning assets | $704,109,750 | 863 |
| Average equity | $83,531,750 | 858 |
| Average total loans | $509,220,000 | 830 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8846% | 4,540 |
| Cost of funding earning assets | 0.4721% | 4,183 |
| Net interest margin | 3.4125% | 4,150 |
| Noninterest income to average assets | 0.9982% | 1,543 |
| Noninterest expense to average assets | 2.8405% | 3,545 |
| Loan and lease loss provision to assets | 0.8401% | 247 |
| Net operating income to assets | 0.3040% | 5,590 |
| Return on assets (ROA) | 0.3642% | 5,523 |
| Pretax return on assets | 0.4502% | 5,518 |
| Return on Equity (ROE) | 3.4338% | 5,457 |
| Retained earnings to average equity (ytd only) | 3.4338% | 4,135 |
| Net charge-offs to loans | 2.3210% | 169 |
| Credit loss provision to net charge-offs | 55.4160% | 3,115 |
| Earnings coverage of net charge-offs (x) | 0.8021% | 4,259 |
| Efficiency ratio | 70.0244% | 3,819 |
| Assets per employee ($millions) | 4.0005% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5536% | 926 |
| Loan loss allowance to noncurrent loans | 37.2037% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 5.0320% | 611 |
| Noncurrent loans to loans | 6.8640% | 363 |
| Net loans and leases to total assets | 63.0386% | 3,092 |
| Net loans and leases to deposits | 73.8921% | 3,173 |
| Net loans and leases to core deposits | 76.4240% | 3,492 |
| Total domestic deposits to total assets | 85.3116% | 3,737 |
| Equity capital to assets | 10.7253% | 3,028 |
| Core capital (leverage) ratio | 10.2181% | 3,202 |
| Tier 1 risk-based capital ratio | 14.2123% | 4,278 |
| Total risk-based capital ratio | 15.4759% | 4,228 |
| Memoranda: | ||
| Average total assets | $788,030,670 | 851 |
| Average earning assets | $706,223,670 | 863 |
| Average equity | $83,581,000 | 856 |
| Average total loans | $514,693,670 | 822 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 4,129 |
| Cost of funding earning assets | 0.4855% | 4,232 |
| Net interest margin | 3.5106% | 3,654 |
| Noninterest income to average assets | 1.0419% | 1,363 |
| Noninterest expense to average assets | 2.9576% | 3,135 |
| Loan and lease loss provision to assets | 1.0480% | 166 |
| Net operating income to assets | 0.1449% | 6,057 |
| Return on assets (ROA) | 0.2677% | 5,793 |
| Pretax return on assets | 0.3212% | 5,805 |
| Return on Equity (ROE) | 2.5378% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.5378% | 4,752 |
| Net charge-offs to loans | 2.0265% | 230 |
| Credit loss provision to net charge-offs | 78.8074% | 2,171 |
| Earnings coverage of net charge-offs (x) | 0.9183% | 3,529 |
| Efficiency ratio | 70.7759% | 3,828 |
| Assets per employee ($millions) | 3.9997% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9333% | 706 |
| Loan loss allowance to noncurrent loans | 40.1640% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 5.6412% | 602 |
| Noncurrent loans to loans | 7.3033% | 389 |
| Net loans and leases to total assets | 64.2666% | 2,653 |
| Net loans and leases to deposits | 75.2699% | 2,736 |
| Net loans and leases to core deposits | 77.8609% | 3,087 |
| Total domestic deposits to total assets | 85.3816% | 3,857 |
| Equity capital to assets | 10.8323% | 3,164 |
| Core capital (leverage) ratio | 9.9256% | 3,497 |
| Tier 1 risk-based capital ratio | 14.0770% | 4,453 |
| Total risk-based capital ratio | 15.3454% | 4,395 |
| Memoranda: | ||
| Average total assets | $791,996,000 | 850 |
| Average earning assets | $707,676,500 | 870 |
| Average equity | $83,537,500 | 864 |
| Average total loans | $519,715,000 | 810 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 2,920 |
| Cost of funding earning assets | 0.6328% | 4,071 |
| Net interest margin | 3.9865% | 2,453 |
| Noninterest income to average assets | 0.9115% | 1,826 |
| Noninterest expense to average assets | 2.8432% | 3,863 |
| Loan and lease loss provision to assets | 0.9289% | 473 |
| Net operating income to assets | 0.4698% | 4,804 |
| Return on assets (ROA) | 0.4710% | 5,051 |
| Pretax return on assets | 0.6997% | 4,667 |
| Return on Equity (ROE) | 4.8618% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.3661% | 3,155 |
| Net charge-offs to loans | 1.5475% | 566 |
| Credit loss provision to net charge-offs | 82.9852% | 3,729 |
| Earnings coverage of net charge-offs (x) | 1.4534% | 4,719 |
| Efficiency ratio | 62.9159% | 5,096 |
| Assets per employee ($millions) | 4.1858% | 3,578 |
| Cash dividends to net income (ytd only)* | 10.1959% | 4,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9432% | 698 |
| Loan loss allowance to noncurrent loans | 33.8655% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 6.4327% | 516 |
| Noncurrent loans to loans | 8.6910% | 314 |
| Net loans and leases to total assets | 63.1472% | 3,026 |
| Net loans and leases to deposits | 73.0539% | 3,245 |
| Net loans and leases to core deposits | 75.4020% | 3,615 |
| Total domestic deposits to total assets | 86.4391% | 3,133 |
| Equity capital to assets | 10.2772% | 3,789 |
| Core capital (leverage) ratio | 9.7948% | 3,665 |
| Tier 1 risk-based capital ratio | 13.5936% | 4,677 |
| Total risk-based capital ratio | 14.8624% | 4,610 |
| Memoranda: | ||
| Average total assets | $791,296,200 | 839 |
| Average earning assets | $706,331,600 | 856 |
| Average equity | $76,659,600 | 921 |
| Average total loans | $572,348,200 | 723 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 2,673 |
| Cost of funding earning assets | 0.6626% | 4,082 |
| Net interest margin | 4.0661% | 2,225 |
| Noninterest income to average assets | 0.9827% | 1,550 |
| Noninterest expense to average assets | 2.9067% | 3,571 |
| Loan and lease loss provision to assets | 0.7632% | 638 |
| Net operating income to assets | 0.6308% | 4,235 |
| Return on assets (ROA) | 0.6308% | 4,489 |
| Pretax return on assets | 0.9484% | 3,924 |
| Return on Equity (ROE) | 6.6148% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.9390% | 2,738 |
| Net charge-offs to loans | 1.2845% | 738 |
| Credit loss provision to net charge-offs | 80.0712% | 3,613 |
| Earnings coverage of net charge-offs (x) | 1.7957% | 4,368 |
| Efficiency ratio | 62.2659% | 5,109 |
| Assets per employee ($millions) | 4.0877% | 3,706 |
| Cash dividends to net income (ytd only)* | 10.2177% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8388% | 855 |
| Loan loss allowance to noncurrent loans | 32.4048% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 7.2434% | 483 |
| Noncurrent loans to loans | 8.7605% | 331 |
| Net loans and leases to total assets | 69.4991% | 2,015 |
| Net loans and leases to deposits | 80.9014% | 2,263 |
| Net loans and leases to core deposits | 84.3901% | 2,652 |
| Total domestic deposits to total assets | 85.9059% | 3,304 |
| Equity capital to assets | 10.6379% | 3,684 |
| Core capital (leverage) ratio | 9.8410% | 3,765 |
| Tier 1 risk-based capital ratio | 12.8211% | 5,393 |
| Total risk-based capital ratio | 14.0889% | 5,348 |
| Memoranda: | ||
| Average total assets | $786,110,000 | 848 |
| Average earning assets | $702,900,000 | 865 |
| Average equity | $74,960,750 | 945 |
| Average total loans | $583,352,500 | 710 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 2,208 |
| Cost of funding earning assets | 0.6927% | 4,074 |
| Net interest margin | 4.1835% | 1,790 |
| Noninterest income to average assets | 0.9927% | 1,489 |
| Noninterest expense to average assets | 2.9250% | 3,523 |
| Loan and lease loss provision to assets | 0.8188% | 605 |
| Net operating income to assets | 0.6703% | 4,015 |
| Return on assets (ROA) | 0.6703% | 4,277 |
| Pretax return on assets | 0.9805% | 3,785 |
| Return on Equity (ROE) | 7.3103% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.2564% | 2,530 |
| Net charge-offs to loans | 1.1123% | 978 |
| Credit loss provision to net charge-offs | 98.0213% | 2,829 |
| Earnings coverage of net charge-offs (x) | 2.1540% | 3,906 |
| Efficiency ratio | 61.2573% | 5,372 |
| Assets per employee ($millions) | 3.9821% | 3,916 |
| Cash dividends to net income (ytd only)* | 14.4158% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9140% | 857 |
| Loan loss allowance to noncurrent loans | 39.9605% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 6.3357% | 656 |
| Noncurrent loans to loans | 7.2922% | 516 |
| Net loans and leases to total assets | 72.5354% | 1,467 |
| Net loans and leases to deposits | 83.4298% | 1,925 |
| Net loans and leases to core deposits | 86.5961% | 2,349 |
| Total domestic deposits to total assets | 86.9418% | 2,806 |
| Equity capital to assets | 9.5915% | 4,925 |
| Core capital (leverage) ratio | 8.8100% | 5,202 |
| Tier 1 risk-based capital ratio | 11.0589% | 6,469 |
| Total risk-based capital ratio | 12.3280% | 6,429 |
| Memoranda: | ||
| Average total assets | $786,533,670 | 845 |
| Average earning assets | $701,569,000 | 864 |
| Average equity | $72,117,670 | 975 |
| Average total loans | $590,672,330 | 697 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 2,257 |
| Cost of funding earning assets | 0.7171% | 4,136 |
| Net interest margin | 4.1789% | 1,820 |
| Noninterest income to average assets | 1.0071% | 1,409 |
| Noninterest expense to average assets | 2.9829% | 3,321 |
| Loan and lease loss provision to assets | 0.8714% | 516 |
| Net operating income to assets | 0.6019% | 4,334 |
| Return on assets (ROA) | 0.6019% | 4,554 |
| Pretax return on assets | 0.8876% | 4,077 |
| Return on Equity (ROE) | 6.7169% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.0045% | 2,956 |
| Net charge-offs to loans | 1.0174% | 1,020 |
| Credit loss provision to net charge-offs | 113.7566% | 2,078 |
| Earnings coverage of net charge-offs (x) | 2.2963% | 3,248 |
| Efficiency ratio | 62.2543% | 5,228 |
| Assets per employee ($millions) | 3.9335% | 4,143 |
| Cash dividends to net income (ytd only)* | 10.6061% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9301% | 891 |
| Loan loss allowance to noncurrent loans | 37.2010% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 6.8868% | 632 |
| Noncurrent loans to loans | 7.8764% | 498 |
| Net loans and leases to total assets | 73.0699% | 1,212 |
| Net loans and leases to deposits | 83.5864% | 1,720 |
| Net loans and leases to core deposits | 87.5716% | 2,108 |
| Total domestic deposits to total assets | 87.4184% | 2,710 |
| Equity capital to assets | 9.1068% | 5,348 |
| Core capital (leverage) ratio | 8.1818% | 6,052 |
| Tier 1 risk-based capital ratio | 10.2851% | 6,800 |
| Total risk-based capital ratio | 11.5544% | 6,796 |
| Memoranda: | ||
| Average total assets | $789,558,500 | 841 |
| Average earning assets | $705,637,500 | 856 |
| Average equity | $70,746,500 | 989 |
| Average total loans | $594,449,000 | 695 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2059% | 2,035 |
| Cost of funding earning assets | 0.9911% | 3,442 |
| Net interest margin | 4.2147% | 2,009 |
| Noninterest income to average assets | 0.7793% | 2,170 |
| Noninterest expense to average assets | 2.7741% | 4,456 |
| Loan and lease loss provision to assets | 1.7112% | 396 |
| Net operating income to assets | 0.1395% | 5,769 |
| Return on assets (ROA) | 0.1175% | 5,947 |
| Pretax return on assets | 0.0600% | 6,036 |
| Return on Equity (ROE) | 1.2949% | 5,894 |
| Retained earnings to average equity (ytd only) | -2.1227% | 6,171 |
| Net charge-offs to loans | 1.0918% | 1,579 |
| Credit loss provision to net charge-offs | 205.4058% | 1,212 |
| Earnings coverage of net charge-offs (x) | 2.1526% | 4,173 |
| Efficiency ratio | 60.0589% | 5,748 |
| Assets per employee ($millions) | 4.0630% | 3,726 |
| Cash dividends to net income (ytd only)* | 263.9309% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8444% | 934 |
| Loan loss allowance to noncurrent loans | 38.4253% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 6.8858% | 671 |
| Noncurrent loans to loans | 7.4024% | 580 |
| Net loans and leases to total assets | 73.1599% | 1,424 |
| Net loans and leases to deposits | 83.4268% | 2,001 |
| Net loans and leases to core deposits | 87.6669% | 2,406 |
| Total domestic deposits to total assets | 87.6935% | 2,338 |
| Equity capital to assets | 8.8162% | 5,777 |
| Core capital (leverage) ratio | 7.9979% | 6,277 |
| Tier 1 risk-based capital ratio | 9.9833% | 6,864 |
| Total risk-based capital ratio | 11.2517% | 6,849 |
| Memoranda: | ||
| Average total assets | $788,268,400 | 834 |
| Average earning assets | $708,470,400 | 842 |
| Average equity | $71,512,600 | 942 |
| Average total loans | $601,466,600 | 694 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3667% | 1,615 |
| Cost of funding earning assets | 1.0568% | 3,274 |
| Net interest margin | 4.3099% | 1,679 |
| Noninterest income to average assets | 0.7645% | 2,235 |
| Noninterest expense to average assets | 2.9149% | 3,866 |
| Loan and lease loss provision to assets | 1.1955% | 655 |
| Net operating income to assets | 0.4095% | 4,954 |
| Return on assets (ROA) | 0.4083% | 5,149 |
| Pretax return on assets | 0.5372% | 5,011 |
| Return on Equity (ROE) | 4.4692% | 4,783 |
| Retained earnings to average equity (ytd only) | 0.4454% | 5,814 |
| Net charge-offs to loans | 1.0440% | 1,531 |
| Credit loss provision to net charge-offs | 149.5863% | 2,102 |
| Earnings coverage of net charge-offs (x) | 2.1700% | 4,047 |
| Efficiency ratio | 62.6970% | 5,292 |
| Assets per employee ($millions) | 4.1537% | 3,536 |
| Cash dividends to net income (ytd only)* | 90.0330% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1085% | 2,046 |
| Loan loss allowance to noncurrent loans | 32.1319% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 6.2043% | 848 |
| Noncurrent loans to loans | 6.5620% | 799 |
| Net loans and leases to total assets | 73.7574% | 1,361 |
| Net loans and leases to deposits | 85.2518% | 1,796 |
| Net loans and leases to core deposits | 89.7991% | 2,278 |
| Total domestic deposits to total assets | 86.5170% | 2,922 |
| Equity capital to assets | 9.1837% | 5,536 |
| Core capital (leverage) ratio | 8.3609% | 5,909 |
| Tier 1 risk-based capital ratio | 10.3412% | 6,843 |
| Total risk-based capital ratio | 11.6005% | 6,825 |
| Memoranda: | ||
| Average total assets | $786,247,000 | 840 |
| Average earning assets | $708,672,000 | 850 |
| Average equity | $71,838,750 | 944 |
| Average total loans | $601,916,000 | 700 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3728% | 1,639 |
| Cost of funding earning assets | 1.1137% | 3,137 |
| Net interest margin | 4.2591% | 1,803 |
| Noninterest income to average assets | 0.7437% | 2,293 |
| Noninterest expense to average assets | 2.9492% | 3,835 |
| Loan and lease loss provision to assets | 1.2966% | 573 |
| Net operating income to assets | 0.2834% | 5,435 |
| Return on assets (ROA) | 0.2814% | 5,573 |
| Pretax return on assets | 0.3282% | 5,603 |
| Return on Equity (ROE) | 3.0856% | 5,362 |
| Retained earnings to average equity (ytd only) | -0.2620% | 5,895 |
| Net charge-offs to loans | 0.8249% | 1,857 |
| Credit loss provision to net charge-offs | 204.2451% | 1,480 |
| Earnings coverage of net charge-offs (x) | 2.5631% | 3,547 |
| Efficiency ratio | 64.4444% | 5,155 |
| Assets per employee ($millions) | 4.1625% | 3,423 |
| Cash dividends to net income (ytd only)* | 108.4914% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1189% | 2,077 |
| Loan loss allowance to noncurrent loans | 36.2586% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 5.3606% | 1,112 |
| Noncurrent loans to loans | 5.8439% | 1,041 |
| Net loans and leases to total assets | 74.7944% | 1,263 |
| Net loans and leases to deposits | 86.6420% | 1,695 |
| Net loans and leases to core deposits | 91.4105% | 2,207 |
| Total domestic deposits to total assets | 86.3258% | 3,142 |
| Equity capital to assets | 9.1274% | 5,384 |
| Core capital (leverage) ratio | 8.3673% | 5,757 |
| Tier 1 risk-based capital ratio | 10.1816% | 6,916 |
| Total risk-based capital ratio | 11.4412% | 6,902 |
| Memoranda: | ||
| Average total assets | $786,643,330 | 852 |
| Average earning assets | $707,904,330 | 863 |
| Average equity | $71,752,670 | 944 |
| Average total loans | $605,384,670 | 708 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2853% | 1,917 |
| Cost of funding earning assets | 1.1464% | 3,183 |
| Net interest margin | 4.1389% | 2,124 |
| Noninterest income to average assets | 0.8914% | 1,686 |
| Noninterest expense to average assets | 2.9606% | 3,812 |
| Loan and lease loss provision to assets | 1.0170% | 747 |
| Net operating income to assets | 0.4722% | 4,609 |
| Return on assets (ROA) | 0.4689% | 4,710 |
| Pretax return on assets | 0.6382% | 4,542 |
| Return on Equity (ROE) | 5.1418% | 4,322 |
| Retained earnings to average equity (ytd only) | 0.5298% | 5,613 |
| Net charge-offs to loans | 1.2359% | 1,126 |
| Credit loss provision to net charge-offs | 106.5530% | 2,503 |
| Earnings coverage of net charge-offs (x) | 1.7389% | 3,440 |
| Efficiency ratio | 64.0766% | 5,356 |
| Assets per employee ($millions) | 4.0815% | 3,679 |
| Cash dividends to net income (ytd only)* | 89.6963% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6942% | 3,354 |
| Loan loss allowance to noncurrent loans | 28.6408% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 5.5584% | 1,081 |
| Noncurrent loans to loans | 5.9155% | 1,077 |
| Net loans and leases to total assets | 76.7528% | 914 |
| Net loans and leases to deposits | 89.3765% | 1,313 |
| Net loans and leases to core deposits | 94.0013% | 1,881 |
| Total domestic deposits to total assets | 85.8758% | 3,595 |
| Equity capital to assets | 9.2519% | 4,813 |
| Core capital (leverage) ratio | 8.3348% | 5,739 |
| Tier 1 risk-based capital ratio | 10.1186% | 6,963 |
| Total risk-based capital ratio | 11.3732% | 6,965 |
| Memoranda: | ||
| Average total assets | $786,604,500 | 860 |
| Average earning assets | $708,682,500 | 866 |
| Average equity | $71,725,500 | 941 |
| Average total loans | $607,496,500 | 713 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6209% | 1,816 |
| Cost of funding earning assets | 1.5054% | 2,605 |
| Net interest margin | 4.1155% | 2,502 |
| Noninterest income to average assets | 0.9894% | 1,539 |
| Noninterest expense to average assets | 2.9732% | 3,947 |
| Loan and lease loss provision to assets | 0.8897% | 1,839 |
| Net operating income to assets | 0.5998% | 3,671 |
| Return on assets (ROA) | 0.5998% | 3,833 |
| Pretax return on assets | 0.8335% | 3,523 |
| Return on Equity (ROE) | 6.7492% | 3,239 |
| Retained earnings to average equity (ytd only) | 2.9503% | 3,795 |
| Net charge-offs to loans | 0.5872% | 3,273 |
| Credit loss provision to net charge-offs | 194.5324% | 1,632 |
| Earnings coverage of net charge-offs (x) | 3.7678% | 3,197 |
| Efficiency ratio | 62.6461% | 5,596 |
| Assets per employee ($millions) | 4.2208% | 3,345 |
| Cash dividends to net income (ytd only)* | 56.2870% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 3,345 |
| Loan loss allowance to noncurrent loans | 28.3370% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 5.1069% | 1,248 |
| Noncurrent loans to loans | 5.8678% | 1,079 |
| Net loans and leases to total assets | 75.1380% | 1,447 |
| Net loans and leases to deposits | 87.4132% | 1,878 |
| Net loans and leases to core deposits | 92.0271% | 2,502 |
| Total domestic deposits to total assets | 85.9573% | 3,381 |
| Equity capital to assets | 8.9886% | 5,158 |
| Core capital (leverage) ratio | 8.2308% | 5,787 |
| Tier 1 risk-based capital ratio | 10.0865% | 6,941 |
| Total risk-based capital ratio | 11.3407% | 6,922 |
| Memoranda: | ||
| Average total assets | $759,785,200 | 888 |
| Average earning assets | $684,395,400 | 895 |
| Average equity | $67,519,400 | 996 |
| Average total loans | $591,779,000 | 753 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6699% | 1,810 |
| Cost of funding earning assets | 1.5684% | 2,554 |
| Net interest margin | 4.1015% | 2,614 |
| Noninterest income to average assets | 0.8894% | 1,833 |
| Noninterest expense to average assets | 2.9177% | 4,020 |
| Loan and lease loss provision to assets | 0.4901% | 3,021 |
| Net operating income to assets | 0.8087% | 2,961 |
| Return on assets (ROA) | 0.8087% | 3,109 |
| Pretax return on assets | 1.1766% | 2,578 |
| Return on Equity (ROE) | 9.1283% | 2,446 |
| Retained earnings to average equity (ytd only) | 5.2010% | 2,841 |
| Net charge-offs to loans | 0.4574% | 3,464 |
| Credit loss provision to net charge-offs | 136.8734% | 2,917 |
| Earnings coverage of net charge-offs (x) | 4.6546% | 2,963 |
| Efficiency ratio | 63.6445% | 5,311 |
| Assets per employee ($millions) | 4.2066% | 3,439 |
| Cash dividends to net income (ytd only)* | 43.0235% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 5,317 |
| Loan loss allowance to noncurrent loans | 28.6691% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 3.9651% | 1,769 |
| Noncurrent loans to loans | 4.3062% | 1,690 |
| Net loans and leases to total assets | 78.0563% | 1,030 |
| Net loans and leases to deposits | 91.6598% | 1,495 |
| Net loans and leases to core deposits | 97.2248% | 2,129 |
| Total domestic deposits to total assets | 85.1587% | 3,538 |
| Equity capital to assets | 8.9295% | 5,668 |
| Core capital (leverage) ratio | 8.0530% | 6,273 |
| Tier 1 risk-based capital ratio | 10.1576% | 6,979 |
| Total risk-based capital ratio | 11.4075% | 6,961 |
| Memoranda: | ||
| Average total assets | $750,300,750 | 899 |
| Average earning assets | $675,928,750 | 907 |
| Average equity | $66,473,250 | 1,008 |
| Average total loans | $587,341,750 | 768 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5839% | 2,198 |
| Cost of funding earning assets | 1.6094% | 2,603 |
| Net interest margin | 3.9745% | 3,143 |
| Noninterest income to average assets | 0.7798% | 2,238 |
| Noninterest expense to average assets | 2.9269% | 3,971 |
| Loan and lease loss provision to assets | 0.4340% | 3,142 |
| Net operating income to assets | 0.7028% | 3,394 |
| Return on assets (ROA) | 0.7028% | 3,551 |
| Pretax return on assets | 0.9976% | 3,123 |
| Return on Equity (ROE) | 7.9551% | 2,900 |
| Retained earnings to average equity (ytd only) | 4.1120% | 3,456 |
| Net charge-offs to loans | 0.4241% | 3,302 |
| Credit loss provision to net charge-offs | 131.1582% | 3,072 |
| Earnings coverage of net charge-offs (x) | 4.3263% | 2,990 |
| Efficiency ratio | 67.1538% | 4,735 |
| Assets per employee ($millions) | 4.3068% | 3,201 |
| Cash dividends to net income (ytd only)* | 48.3103% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,457 |
| Loan loss allowance to noncurrent loans | 25.5475% | 6,639 |
| Noncurrent assets plus other real estate owned to assets | 4.2297% | 1,590 |
| Noncurrent loans to loans | 4.6971% | 1,517 |
| Net loans and leases to total assets | 76.8085% | 1,329 |
| Net loans and leases to deposits | 90.6593% | 1,747 |
| Net loans and leases to core deposits | 96.0000% | 2,435 |
| Total domestic deposits to total assets | 84.7221% | 3,761 |
| Equity capital to assets | 8.8008% | 5,753 |
| Core capital (leverage) ratio | 8.1668% | 6,009 |
| Tier 1 risk-based capital ratio | 10.0315% | 7,003 |
| Total risk-based capital ratio | 11.2333% | 7,014 |
| Memoranda: | ||
| Average total assets | $740,994,670 | 919 |
| Average earning assets | $667,201,670 | 925 |
| Average equity | $65,467,330 | 1,018 |
| Average total loans | $578,108,330 | 787 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5441% | 2,388 |
| Cost of funding earning assets | 1.6592% | 2,604 |
| Net interest margin | 3.8849% | 3,394 |
| Noninterest income to average assets | 0.7399% | 2,358 |
| Noninterest expense to average assets | 3.0392% | 3,527 |
| Loan and lease loss provision to assets | 0.4144% | 2,889 |
| Net operating income to assets | 0.5736% | 4,017 |
| Return on assets (ROA) | 0.5736% | 4,160 |
| Pretax return on assets | 0.7836% | 3,938 |
| Return on Equity (ROE) | 6.4786% | 3,629 |
| Retained earnings to average equity (ytd only) | 2.1283% | 4,859 |
| Net charge-offs to loans | 0.4927% | 2,586 |
| Credit loss provision to net charge-offs | 107.6040% | 3,196 |
| Earnings coverage of net charge-offs (x) | 3.1105% | 3,016 |
| Efficiency ratio | 71.7267% | 3,981 |
| Assets per employee ($millions) | 4.1492% | 3,564 |
| Cash dividends to net income (ytd only)* | 67.1484% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 5,411 |
| Loan loss allowance to noncurrent loans | 28.7302% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 3.6652% | 1,907 |
| Noncurrent loans to loans | 4.2383% | 1,807 |
| Net loans and leases to total assets | 77.1232% | 1,306 |
| Net loans and leases to deposits | 92.3496% | 1,562 |
| Net loans and leases to core deposits | 98.9856% | 2,236 |
| Total domestic deposits to total assets | 83.5122% | 4,377 |
| Equity capital to assets | 9.2073% | 4,979 |
| Core capital (leverage) ratio | 8.3587% | 5,628 |
| Tier 1 risk-based capital ratio | 10.4059% | 6,714 |
| Total risk-based capital ratio | 11.6221% | 6,736 |
| Memoranda: | ||
| Average total assets | $723,876,000 | 950 |
| Average earning assets | $651,644,500 | 959 |
| Average equity | $64,087,500 | 1,039 |
| Average total loans | $565,824,500 | 827 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8952% | 2,257 |
| Cost of funding earning assets | 2.2157% | 1,964 |
| Net interest margin | 3.6795% | 4,220 |
| Noninterest income to average assets | 0.9457% | 1,767 |
| Noninterest expense to average assets | 3.0253% | 4,050 |
| Loan and lease loss provision to assets | 0.5599% | 3,578 |
| Net operating income to assets | 0.5189% | 3,655 |
| Return on assets (ROA) | 0.5479% | 3,626 |
| Pretax return on assets | 0.7163% | 3,520 |
| Return on Equity (ROE) | 6.4051% | 3,031 |
| Retained earnings to average equity (ytd only) | 1.7920% | 3,838 |
| Net charge-offs to loans | 0.2925% | 4,805 |
| Credit loss provision to net charge-offs | 246.3263% | 1,446 |
| Earnings coverage of net charge-offs (x) | 5.4471% | 2,597 |
| Efficiency ratio | 70.9600% | 4,446 |
| Assets per employee ($millions) | 4.1003% | 3,616 |
| Cash dividends to net income (ytd only)* | 72.0227% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 5,277 |
| Loan loss allowance to noncurrent loans | 47.3655% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 2.5208% | 2,772 |
| Noncurrent loans to loans | 2.5608% | 2,997 |
| Net loans and leases to total assets | 77.3093% | 1,520 |
| Net loans and leases to deposits | 92.1861% | 1,868 |
| Net loans and leases to core deposits | 112.3863% | 2,659 |
| Total domestic deposits to total assets | 83.8623% | 4,096 |
| Equity capital to assets | 8.4973% | 5,884 |
| Core capital (leverage) ratio | 7.6516% | 6,612 |
| Tier 1 risk-based capital ratio | 9.4874% | 7,242 |
| Total risk-based capital ratio | 10.7020% | 7,236 |
| Memoranda: | ||
| Average total assets | $706,578,400 | 969 |
| Average earning assets | $637,090,200 | 981 |
| Average equity | $60,435,800 | 1,099 |
| Average total loans | $548,970,800 | 871 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9077% | 2,416 |
| Cost of funding earning assets | 2.3220% | 1,902 |
| Net interest margin | 3.5856% | 4,537 |
| Noninterest income to average assets | 0.9491% | 1,784 |
| Noninterest expense to average assets | 3.1067% | 3,628 |
| Loan and lease loss provision to assets | 0.4790% | 3,507 |
| Net operating income to assets | 0.4692% | 4,124 |
| Return on assets (ROA) | 0.5090% | 4,030 |
| Pretax return on assets | 0.6503% | 4,019 |
| Return on Equity (ROE) | 5.9408% | 3,550 |
| Retained earnings to average equity (ytd only) | 1.3108% | 4,592 |
| Net charge-offs to loans | 0.1389% | 5,313 |
| Credit loss provision to net charge-offs | 444.5423% | 890 |
| Earnings coverage of net charge-offs (x) | 10.0071% | 2,024 |
| Efficiency ratio | 74.2339% | 3,829 |
| Assets per employee ($millions) | 3.9914% | 3,749 |
| Cash dividends to net income (ytd only)* | 77.9352% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 5,309 |
| Loan loss allowance to noncurrent loans | 59.5444% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.8917% | 3,523 |
| Noncurrent loans to loans | 1.9610% | 3,686 |
| Net loans and leases to total assets | 76.9242% | 1,800 |
| Net loans and leases to deposits | 92.8183% | 2,094 |
| Net loans and leases to core deposits | 112.5660% | 2,967 |
| Total domestic deposits to total assets | 82.8761% | 4,286 |
| Equity capital to assets | 8.5606% | 6,171 |
| Core capital (leverage) ratio | 7.7170% | 6,709 |
| Tier 1 risk-based capital ratio | 9.5801% | 7,319 |
| Total risk-based capital ratio | 10.7476% | 7,337 |
| Memoranda: | ||
| Average total assets | $702,811,750 | 984 |
| Average earning assets | $634,255,000 | 1,000 |
| Average equity | $60,214,750 | 1,115 |
| Average total loans | $545,026,250 | 892 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9170% | 2,510 |
| Cost of funding earning assets | 2.4332% | 1,835 |
| Net interest margin | 3.4839% | 4,871 |
| Noninterest income to average assets | 0.9259% | 1,870 |
| Noninterest expense to average assets | 3.2288% | 3,240 |
| Loan and lease loss provision to assets | 0.4427% | 3,335 |
| Net operating income to assets | 0.3375% | 4,729 |
| Return on assets (ROA) | 0.4036% | 4,613 |
| Pretax return on assets | 0.4715% | 4,713 |
| Return on Equity (ROE) | 4.7090% | 4,207 |
| Retained earnings to average equity (ytd only) | 0.0633% | 5,179 |
| Net charge-offs to loans | 0.1545% | 4,648 |
| Credit loss provision to net charge-offs | 369.9284% | 1,258 |
| Earnings coverage of net charge-offs (x) | 6.9976% | 2,515 |
| Efficiency ratio | 79.4058% | 3,136 |
| Assets per employee ($millions) | 3.9849% | 3,708 |
| Cash dividends to net income (ytd only)* | 98.6553% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 6,003 |
| Loan loss allowance to noncurrent loans | 65.1736% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.7205% | 3,605 |
| Noncurrent loans to loans | 1.5842% | 4,121 |
| Net loans and leases to total assets | 77.4016% | 1,879 |
| Net loans and leases to deposits | 93.4860% | 2,174 |
| Net loans and leases to core deposits | 113.8667% | 2,922 |
| Total domestic deposits to total assets | 82.7948% | 4,337 |
| Equity capital to assets | 8.6119% | 5,880 |
| Core capital (leverage) ratio | 7.6170% | 6,874 |
| Tier 1 risk-based capital ratio | 9.5502% | 7,349 |
| Total risk-based capital ratio | 10.5769% | 7,506 |
| Memoranda: | ||
| Average total assets | $700,261,670 | 1,004 |
| Average earning assets | $631,195,000 | 1,022 |
| Average equity | $60,013,000 | 1,133 |
| Average total loans | $542,377,000 | 918 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8761% | 2,912 |
| Cost of funding earning assets | 2.5229% | 1,830 |
| Net interest margin | 3.3531% | 5,313 |
| Noninterest income to average assets | 1.0922% | 1,251 |
| Noninterest expense to average assets | 3.1688% | 3,120 |
| Loan and lease loss provision to assets | 0.3278% | 3,355 |
| Net operating income to assets | 0.4908% | 4,463 |
| Return on assets (ROA) | 0.4908% | 4,656 |
| Pretax return on assets | 0.6116% | 4,722 |
| Return on Equity (ROE) | 5.7408% | 4,149 |
| Retained earnings to average equity (ytd only) | 1.0935% | 5,203 |
| Net charge-offs to loans | 0.2123% | 3,363 |
| Credit loss provision to net charge-offs | 200.3484% | 2,206 |
| Earnings coverage of net charge-offs (x) | 5.7422% | 2,612 |
| Efficiency ratio | 77.1333% | 3,307 |
| Assets per employee ($millions) | 4.1251% | 3,411 |
| Cash dividends to net income (ytd only)* | 80.9524% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 6,829 |
| Loan loss allowance to noncurrent loans | 45.9016% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 2.0759% | 2,779 |
| Noncurrent loans to loans | 1.9163% | 3,385 |
| Net loans and leases to total assets | 76.4880% | 2,164 |
| Net loans and leases to deposits | 92.8268% | 2,463 |
| Net loans and leases to core deposits | 115.3910% | 2,861 |
| Total domestic deposits to total assets | 82.3986% | 4,408 |
| Equity capital to assets | 8.5294% | 6,030 |
| Core capital (leverage) ratio | 7.5129% | 7,151 |
| Tier 1 risk-based capital ratio | 9.4098% | 7,505 |
| Total risk-based capital ratio | 10.2731% | 7,809 |
| Memoranda: | ||
| Average total assets | $701,718,000 | 1,005 |
| Average earning assets | $631,168,000 | 1,018 |
| Average equity | $59,992,000 | 1,145 |
| Average total loans | $540,870,500 | 928 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4478% | 3,196 |
| Cost of funding earning assets | 3.0523% | 1,675 |
| Net interest margin | 3.3955% | 5,679 |
| Noninterest income to average assets | 0.9459% | 1,786 |
| Noninterest expense to average assets | 2.7873% | 4,877 |
| Loan and lease loss provision to assets | 0.3117% | 3,881 |
| Net operating income to assets | 0.7089% | 3,855 |
| Return on assets (ROA) | 0.7271% | 3,603 |
| Pretax return on assets | 0.8965% | 3,735 |
| Return on Equity (ROE) | 8.3586% | 2,913 |
| Retained earnings to average equity (ytd only) | 3.6017% | 2,906 |
| Net charge-offs to loans | 0.3134% | 3,293 |
| Credit loss provision to net charge-offs | 131.5657% | 4,049 |
| Earnings coverage of net charge-offs (x) | 5.0057% | 3,786 |
| Efficiency ratio | 70.1547% | 4,323 |
| Assets per employee ($millions) | 4.1550% | 3,200 |
| Cash dividends to net income (ytd only)* | 56.9107% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 6,949 |
| Loan loss allowance to noncurrent loans | 137.6989% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 1.0968% | 4,089 |
| Noncurrent loans to loans | 0.6081% | 5,549 |
| Net loans and leases to total assets | 76.3437% | 2,532 |
| Net loans and leases to deposits | 93.1186% | 2,940 |
| Net loans and leases to core deposits | 114.9925% | 3,236 |
| Total domestic deposits to total assets | 81.9855% | 4,207 |
| Equity capital to assets | 8.5694% | 5,978 |
| Core capital (leverage) ratio | 7.5617% | 7,129 |
| Tier 1 risk-based capital ratio | 9.5520% | 7,253 |
| Total risk-based capital ratio | 10.3788% | 7,654 |
| Memoranda: | ||
| Average total assets | $668,676,400 | 997 |
| Average earning assets | $596,140,000 | 1,026 |
| Average equity | $58,167,600 | 1,153 |
| Average total loans | $505,448,800 | 953 |