Home > Legacy Bank > Performance and Condition Ratios
Legacy Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3460% | 869 |
| Cost of funding earning assets | 2.4049% | 1,344 |
| Net interest margin | 3.9411% | 1,285 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.3399% | 2,752 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 1.2337% | 1,429 |
| Return on assets (ROA) | 1.1918% | 1,519 |
| Pretax return on assets | 1.5631% | 1,173 |
| Return on Equity (ROE) | 13.2400% | 1,309 |
| Retained earnings to average equity (ytd only) | 8.1270% | 1,074 |
| Net charge-offs to loans | 0.0421% | 1,764 |
| Credit loss provision to net charge-offs | 440.1674% | 703 |
| Earnings coverage of net charge-offs (x) | 54.1632% | 1,170 |
| Efficiency ratio | 56.3169% | 3,529 |
| Assets per employee ($millions) | 6.2293% | 2,704 |
| Cash dividends to net income (ytd only)* | 38.6387% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,188 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 2,899 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 78.9500% | 788 |
| Net loans and leases to deposits | 96.3788% | 686 |
| Net loans and leases to core deposits | 111.7619% | 867 |
| Total domestic deposits to total assets | 81.9100% | 3,258 |
| Equity capital to assets | 9.2066% | 2,666 |
| Core capital (leverage) ratio | 10.0829% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3627% | 2,427 |
| Memoranda: | ||
| Average total assets | $735,932,800 | 1,307 |
| Average earning assets | $691,000,400 | 1,288 |
| Average equity | $66,223,600 | 1,378 |
| Average total loans | $568,341,800 | 1,174 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2861% | 902 |
| Cost of funding earning assets | 2.4164% | 1,320 |
| Net interest margin | 3.8697% | 1,352 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 2.2910% | 2,829 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 1.1915% | 1,539 |
| Return on assets (ROA) | 1.1354% | 1,668 |
| Pretax return on assets | 1.4868% | 1,326 |
| Return on Equity (ROE) | 12.6900% | 1,442 |
| Retained earnings to average equity (ytd only) | 5.7871% | 2,169 |
| Net charge-offs to loans | 0.0474% | 1,437 |
| Credit loss provision to net charge-offs | 464.3216% | 663 |
| Earnings coverage of net charge-offs (x) | 47.5930% | 1,229 |
| Efficiency ratio | 56.2387% | 3,533 |
| Assets per employee ($millions) | 6.3760% | 2,599 |
| Cash dividends to net income (ytd only)* | 54.4068% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,081 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 2,918 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 75.5700% | 1,184 |
| Net loans and leases to deposits | 92.0360% | 1,039 |
| Net loans and leases to core deposits | 108.4591% | 1,003 |
| Total domestic deposits to total assets | 82.1100% | 3,079 |
| Equity capital to assets | 9.0570% | 2,994 |
| Core capital (leverage) ratio | 9.8196% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2807% | 2,469 |
| Memoranda: | ||
| Average total assets | $731,481,000 | 1,300 |
| Average earning assets | $686,304,500 | 1,288 |
| Average equity | $65,431,000 | 1,387 |
| Average total loans | $559,863,000 | 1,176 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1647% | 949 |
| Cost of funding earning assets | 2.3494% | 1,345 |
| Net interest margin | 3.8153% | 1,402 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.2434% | 2,968 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | 1.1571% | 1,584 |
| Return on assets (ROA) | 1.1138% | 1,686 |
| Pretax return on assets | 1.4582% | 1,356 |
| Return on Equity (ROE) | 12.5100% | 1,484 |
| Retained earnings to average equity (ytd only) | 4.4175% | 2,558 |
| Net charge-offs to loans | 0.0141% | 1,910 |
| Credit loss provision to net charge-offs | 1,771.7949% | 257 |
| Earnings coverage of net charge-offs (x) | 157.8462% | 583 |
| Efficiency ratio | 56.0137% | 3,573 |
| Assets per employee ($millions) | 6.1540% | 2,672 |
| Cash dividends to net income (ytd only)* | 64.6781% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 2,038 |
| Loan loss allowance to noncurrent loans | 1,796.4286% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 2,575 |
| Noncurrent loans to loans | 0.0690% | 3,321 |
| Net loans and leases to total assets | 76.6000% | 1,102 |
| Net loans and leases to deposits | 91.8352% | 1,138 |
| Net loans and leases to core deposits | 108.7984% | 1,020 |
| Total domestic deposits to total assets | 83.4100% | 2,760 |
| Equity capital to assets | 8.8533% | 2,842 |
| Core capital (leverage) ratio | 9.8987% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3222% | 2,484 |
| Memoranda: | ||
| Average total assets | $722,393,667 | 1,313 |
| Average earning assets | $677,951,667 | 1,296 |
| Average equity | $64,335,000 | 1,387 |
| Average total loans | $552,993,667 | 1,191 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0667% | 974 |
| Cost of funding earning assets | 2.2908% | 1,355 |
| Net interest margin | 3.7759% | 1,403 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 2.2185% | 3,015 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | 1.1407% | 1,570 |
| Return on assets (ROA) | 1.1407% | 1,580 |
| Pretax return on assets | 1.4937% | 1,263 |
| Return on Equity (ROE) | 12.7700% | 1,389 |
| Retained earnings to average equity (ytd only) | 10.1490% | 1,076 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 56.2877% | 3,572 |
| Assets per employee ($millions) | 6.7028% | 2,282 |
| Cash dividends to net income (ytd only)* | 20.5279% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,280 |
| Loan loss allowance to noncurrent loans | 674.4209% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 2,673 |
| Noncurrent loans to loans | 0.1781% | 2,731 |
| Net loans and leases to total assets | 75.4000% | 1,154 |
| Net loans and leases to deposits | 90.2952% | 1,177 |
| Net loans and leases to core deposits | 105.5604% | 1,129 |
| Total domestic deposits to total assets | 83.5000% | 2,864 |
| Equity capital to assets | 8.8487% | 2,779 |
| Core capital (leverage) ratio | 10.1489% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4565% | 2,442 |
| Memoranda: | ||
| Average total assets | $717,426,000 | 1,322 |
| Average earning assets | $672,788,500 | 1,302 |
| Average equity | $64,085,000 | 1,388 |
| Average total loans | $545,503,000 | 1,201 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 1,431 |
| Cost of funding earning assets | 1.6146% | 1,653 |
| Net interest margin | 3.7157% | 1,729 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.2403% | 3,005 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.1622% | 1,750 |
| Return on assets (ROA) | 1.0872% | 1,926 |
| Pretax return on assets | 1.4173% | 1,598 |
| Return on Equity (ROE) | 12.2300% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.1897% | 966 |
| Net charge-offs to loans | 0.0084% | 2,348 |
| Credit loss provision to net charge-offs | 2,132.5000% | 213 |
| Earnings coverage of net charge-offs (x) | 271.8750% | 466 |
| Efficiency ratio | 56.6759% | 3,430 |
| Assets per employee ($millions) | 6.5208% | 2,403 |
| Cash dividends to net income (ytd only)* | 16.6946% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 2,308 |
| Loan loss allowance to noncurrent loans | 637.7246% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 2,525 |
| Noncurrent loans to loans | 0.1878% | 2,574 |
| Net loans and leases to total assets | 74.8400% | 1,260 |
| Net loans and leases to deposits | 90.8433% | 1,198 |
| Net loans and leases to core deposits | 104.7615% | 1,179 |
| Total domestic deposits to total assets | 82.3900% | 3,053 |
| Equity capital to assets | 9.0197% | 2,660 |
| Core capital (leverage) ratio | 10.2286% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5246% | 2,401 |
| Memoranda: | ||
| Average total assets | $658,919,600 | 1,366 |
| Average earning assets | $615,125,400 | 1,352 |
| Average equity | $58,569,000 | 1,416 |
| Average total loans | $476,600,800 | 1,284 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 1,557 |
| Cost of funding earning assets | 1.4600% | 1,709 |
| Net interest margin | 3.6810% | 1,817 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.2547% | 2,938 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.1556% | 1,911 |
| Return on assets (ROA) | 1.1556% | 1,895 |
| Pretax return on assets | 1.5124% | 1,529 |
| Return on Equity (ROE) | 13.0500% | 1,887 |
| Retained earnings to average equity (ytd only) | 10.2723% | 1,329 |
| Net charge-offs to loans | 0.0110% | 1,995 |
| Credit loss provision to net charge-offs | 1,244.7368% | 347 |
| Earnings coverage of net charge-offs (x) | 207.2895% | 583 |
| Efficiency ratio | 57.2392% | 3,290 |
| Assets per employee ($millions) | 6.4497% | 2,359 |
| Cash dividends to net income (ytd only)* | 21.3077% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,359 |
| Loan loss allowance to noncurrent loans | 594.0711% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 2,540 |
| Noncurrent loans to loans | 0.2021% | 2,545 |
| Net loans and leases to total assets | 72.3700% | 1,528 |
| Net loans and leases to deposits | 85.9897% | 1,576 |
| Net loans and leases to core deposits | 98.6045% | 1,409 |
| Total domestic deposits to total assets | 84.1600% | 2,729 |
| Equity capital to assets | 8.4059% | 2,786 |
| Core capital (leverage) ratio | 10.4285% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7502% | 2,366 |
| Memoranda: | ||
| Average total assets | $647,588,500 | 1,380 |
| Average earning assets | $603,728,000 | 1,370 |
| Average equity | $57,331,000 | 1,426 |
| Average total loans | $462,385,500 | 1,314 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 1,643 |
| Cost of funding earning assets | 1.1685% | 1,538 |
| Net interest margin | 3.6240% | 2,073 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.2186% | 3,047 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.1039% | 2,213 |
| Return on assets (ROA) | 1.1039% | 2,179 |
| Pretax return on assets | 1.4369% | 1,797 |
| Return on Equity (ROE) | 12.2700% | 2,150 |
| Retained earnings to average equity (ytd only) | 12.2722% | 1,218 |
| Net charge-offs to loans | 0.0082% | 1,641 |
| Credit loss provision to net charge-offs | 1,722.2222% | 229 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 408 |
| Efficiency ratio | 58.1035% | 3,185 |
| Assets per employee ($millions) | 6.3317% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 2,057 |
| Loan loss allowance to noncurrent loans | 970.0000% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 2,823 |
| Noncurrent loans to loans | 0.1334% | 2,844 |
| Net loans and leases to total assets | 68.9200% | 1,737 |
| Net loans and leases to deposits | 79.3025% | 1,869 |
| Net loans and leases to core deposits | 89.2477% | 1,661 |
| Total domestic deposits to total assets | 86.9100% | 2,301 |
| Equity capital to assets | 9.1290% | 2,423 |
| Core capital (leverage) ratio | 10.6744% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6796% | 2,104 |
| Memoranda: | ||
| Average total assets | $625,799,000 | 1,444 |
| Average earning assets | $583,991,000 | 1,436 |
| Average equity | $56,290,000 | 1,462 |
| Average total loans | $439,041,000 | 1,354 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 2,411 |
| Cost of funding earning assets | 0.4179% | 1,958 |
| Net interest margin | 3.3309% | 2,480 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.0849% | 3,339 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.0372% | 2,430 |
| Return on assets (ROA) | 0.9673% | 2,639 |
| Pretax return on assets | 1.2578% | 2,247 |
| Return on Equity (ROE) | 11.1100% | 2,438 |
| Retained earnings to average equity (ytd only) | 10.4313% | 1,028 |
| Net charge-offs to loans | 0.0081% | 2,085 |
| Credit loss provision to net charge-offs | 2,335.4839% | 230 |
| Earnings coverage of net charge-offs (x) | 293.6452% | 498 |
| Efficiency ratio | 57.7200% | 3,383 |
| Assets per employee ($millions) | 6.3756% | 2,441 |
| Cash dividends to net income (ytd only)* | 6.0797% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 1,994 |
| Loan loss allowance to noncurrent loans | 241.1154% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 1,340 |
| Noncurrent loans to loans | 0.5306% | 1,387 |
| Net loans and leases to total assets | 69.5900% | 1,672 |
| Net loans and leases to deposits | 81.9990% | 1,612 |
| Net loans and leases to core deposits | 89.4461% | 1,533 |
| Total domestic deposits to total assets | 84.8700% | 3,030 |
| Equity capital to assets | 8.8576% | 2,451 |
| Core capital (leverage) ratio | 10.6718% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2215% | 1,881 |
| Memoranda: | ||
| Average total assets | $622,373,600 | 1,434 |
| Average earning assets | $582,479,400 | 1,421 |
| Average equity | $54,202,000 | 1,517 |
| Average total loans | $382,229,000 | 1,447 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5518% | 2,460 |
| Cost of funding earning assets | 0.3191% | 1,970 |
| Net interest margin | 3.2327% | 2,520 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.1066% | 3,191 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9744% | 2,569 |
| Return on assets (ROA) | 0.9644% | 2,583 |
| Pretax return on assets | 1.2555% | 2,191 |
| Return on Equity (ROE) | 11.1200% | 2,330 |
| Retained earnings to average equity (ytd only) | 10.2184% | 1,282 |
| Net charge-offs to loans | 0.0087% | 1,810 |
| Credit loss provision to net charge-offs | 1,650.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 263.5417% | 519 |
| Efficiency ratio | 59.8182% | 3,134 |
| Assets per employee ($millions) | 6.1972% | 2,577 |
| Cash dividends to net income (ytd only)* | 8.1171% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 1,960 |
| Loan loss allowance to noncurrent loans | 832.9635% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 2,822 |
| Noncurrent loans to loans | 0.1580% | 2,818 |
| Net loans and leases to total assets | 66.2400% | 1,862 |
| Net loans and leases to deposits | 74.4558% | 2,010 |
| Net loans and leases to core deposits | 79.1508% | 1,961 |
| Total domestic deposits to total assets | 88.9700% | 2,107 |
| Equity capital to assets | 8.6200% | 2,467 |
| Core capital (leverage) ratio | 10.3664% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8148% | 1,763 |
| Memoranda: | ||
| Average total assets | $623,359,750 | 1,440 |
| Average earning assets | $584,180,750 | 1,427 |
| Average equity | $54,058,000 | 1,532 |
| Average total loans | $368,795,750 | 1,484 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3068% | 2,717 |
| Cost of funding earning assets | 0.2985% | 1,727 |
| Net interest margin | 3.0083% | 2,848 |
| Noninterest income to average assets | 0.4251% | 2,596 |
| Noninterest expense to average assets | 2.0249% | 3,369 |
| Loan and lease loss provision to assets | 0.1005% | 996 |
| Net operating income to assets | 0.8640% | 2,720 |
| Return on assets (ROA) | 0.8640% | 2,693 |
| Pretax return on assets | 1.1248% | 2,324 |
| Return on Equity (ROE) | 9.9449% | 2,354 |
| Retained earnings to average equity (ytd only) | 8.6136% | 1,395 |
| Net charge-offs to loans | 0.0033% | 1,934 |
| Credit loss provision to net charge-offs | 5,300.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 646.1667% | 211 |
| Efficiency ratio | 61.1727% | 3,154 |
| Assets per employee ($millions) | 6.6067% | 2,236 |
| Cash dividends to net income (ytd only)* | 13.3870% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 1,776 |
| Loan loss allowance to noncurrent loans | 675.6827% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 2,788 |
| Noncurrent loans to loans | 0.2066% | 2,685 |
| Net loans and leases to total assets | 59.1035% | 2,430 |
| Net loans and leases to deposits | 66.9632% | 2,470 |
| Net loans and leases to core deposits | 70.8719% | 2,420 |
| Total domestic deposits to total assets | 88.2627% | 2,474 |
| Equity capital to assets | 8.6655% | 2,640 |
| Core capital (leverage) ratio | 9.9535% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9265% | 1,721 |
| Memoranda: | ||
| Average total assets | $632,837,000 | 1,427 |
| Average earning assets | $594,298,667 | 1,419 |
| Average equity | $54,983,000 | 1,547 |
| Average total loans | $358,614,333 | 1,507 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1281% | 2,882 |
| Cost of funding earning assets | 0.3365% | 1,315 |
| Net interest margin | 2.7916% | 3,168 |
| Noninterest income to average assets | 0.3814% | 2,805 |
| Noninterest expense to average assets | 2.0327% | 3,344 |
| Loan and lease loss provision to assets | 0.1008% | 828 |
| Net operating income to assets | 0.6763% | 3,139 |
| Return on assets (ROA) | 0.6763% | 3,124 |
| Pretax return on assets | 0.8767% | 2,866 |
| Return on Equity (ROE) | 7.7744% | 2,770 |
| Retained earnings to average equity (ytd only) | 5.1397% | 2,540 |
| Net charge-offs to loans | 0.0091% | 1,418 |
| Credit loss provision to net charge-offs | 2,012.5000% | 211 |
| Earnings coverage of net charge-offs (x) | 195.1250% | 436 |
| Efficiency ratio | 66.3200% | 2,731 |
| Assets per employee ($millions) | 6.7902% | 2,156 |
| Cash dividends to net income (ytd only)* | 33.8889% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 1,834 |
| Loan loss allowance to noncurrent loans | 212.2630% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 1,606 |
| Noncurrent loans to loans | 0.6687% | 1,420 |
| Net loans and leases to total assets | 54.2314% | 2,728 |
| Net loans and leases to deposits | 61.5375% | 2,754 |
| Net loans and leases to core deposits | 64.9896% | 2,719 |
| Total domestic deposits to total assets | 88.1275% | 2,468 |
| Equity capital to assets | 8.2044% | 3,403 |
| Core capital (leverage) ratio | 8.9666% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6182% | 1,944 |
| Memoranda: | ||
| Average total assets | $638,742,000 | 1,417 |
| Average earning assets | $601,524,500 | 1,407 |
| Average equity | $55,567,000 | 1,583 |
| Average total loans | $351,799,000 | 1,515 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4840% | 2,703 |
| Cost of funding earning assets | 0.4400% | 1,263 |
| Net interest margin | 3.0440% | 3,064 |
| Noninterest income to average assets | 0.4417% | 2,848 |
| Noninterest expense to average assets | 2.1768% | 3,153 |
| Loan and lease loss provision to assets | 0.0750% | 1,612 |
| Net operating income to assets | 0.8225% | 3,265 |
| Return on assets (ROA) | 0.8225% | 3,337 |
| Pretax return on assets | 1.0391% | 3,154 |
| Return on Equity (ROE) | 8.3870% | 3,111 |
| Retained earnings to average equity (ytd only) | 2.4290% | 3,847 |
| Net charge-offs to loans | 0.0678% | 1,117 |
| Credit loss provision to net charge-offs | 187.8151% | 1,346 |
| Earnings coverage of net charge-offs (x) | 27.9034% | 1,663 |
| Efficiency ratio | 64.9641% | 2,412 |
| Assets per employee ($millions) | 6.6570% | 2,189 |
| Cash dividends to net income (ytd only)* | 71.0381% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,918 |
| Loan loss allowance to noncurrent loans | 192.6627% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 1,601 |
| Noncurrent loans to loans | 0.7269% | 1,398 |
| Net loans and leases to total assets | 54.3705% | 2,803 |
| Net loans and leases to deposits | 64.2373% | 2,669 |
| Net loans and leases to core deposits | 67.8078% | 2,666 |
| Total domestic deposits to total assets | 84.6400% | 3,384 |
| Equity capital to assets | 9.2044% | 3,418 |
| Core capital (leverage) ratio | 9.0742% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8639% | 1,903 |
| Memoranda: | ||
| Average total assets | $596,109,600 | 1,458 |
| Average earning assets | $557,956,000 | 1,460 |
| Average equity | $58,459,600 | 1,544 |
| Average total loans | $351,026,800 | 1,511 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6205% | 2,499 |
| Cost of funding earning assets | 0.4389% | 1,426 |
| Net interest margin | 3.1816% | 2,788 |
| Noninterest income to average assets | 0.3586% | 3,310 |
| Noninterest expense to average assets | 2.1684% | 3,176 |
| Loan and lease loss provision to assets | 0.1010% | 1,188 |
| Net operating income to assets | 0.8404% | 3,414 |
| Return on assets (ROA) | 0.8404% | 3,478 |
| Pretax return on assets | 1.0611% | 3,293 |
| Return on Equity (ROE) | 8.4297% | 3,274 |
| Retained earnings to average equity (ytd only) | 6.0147% | 2,815 |
| Net charge-offs to loans | 0.0891% | 809 |
| Credit loss provision to net charge-offs | 189.3617% | 1,235 |
| Earnings coverage of net charge-offs (x) | 21.7745% | 1,701 |
| Efficiency ratio | 63.9184% | 2,398 |
| Assets per employee ($millions) | 6.5469% | 2,208 |
| Cash dividends to net income (ytd only)* | 28.6486% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 2,098 |
| Loan loss allowance to noncurrent loans | 565.3935% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,836 |
| Noncurrent loans to loans | 0.2445% | 2,957 |
| Net loans and leases to total assets | 58.4836% | 2,428 |
| Net loans and leases to deposits | 71.6321% | 2,093 |
| Net loans and leases to core deposits | 76.0793% | 2,040 |
| Total domestic deposits to total assets | 81.6444% | 3,990 |
| Equity capital to assets | 10.0552% | 2,848 |
| Core capital (leverage) ratio | 9.8549% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5957% | 1,767 |
| Memoranda: | ||
| Average total assets | $587,033,250 | 1,497 |
| Average earning assets | $548,340,500 | 1,499 |
| Average equity | $58,522,000 | 1,566 |
| Average total loans | $351,600,750 | 1,541 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5538% | 2,761 |
| Cost of funding earning assets | 0.4637% | 1,426 |
| Net interest margin | 3.0901% | 3,063 |
| Noninterest income to average assets | 0.2667% | 3,805 |
| Noninterest expense to average assets | 2.2341% | 2,969 |
| Loan and lease loss provision to assets | 0.1250% | 1,004 |
| Net operating income to assets | 0.6204% | 3,939 |
| Return on assets (ROA) | 0.6204% | 3,994 |
| Pretax return on assets | 0.7824% | 3,906 |
| Return on Equity (ROE) | 6.2417% | 3,843 |
| Retained earnings to average equity (ytd only) | 3.8546% | 3,566 |
| Net charge-offs to loans | 0.1390% | 576 |
| Credit loss provision to net charge-offs | 149.5902% | 1,166 |
| Earnings coverage of net charge-offs (x) | 10.8607% | 1,785 |
| Efficiency ratio | 69.8529% | 1,658 |
| Assets per employee ($millions) | 6.2620% | 2,375 |
| Cash dividends to net income (ytd only)* | 38.2450% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 2,094 |
| Loan loss allowance to noncurrent loans | 545.0000% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 696 |
| Noncurrent loans to loans | 0.2519% | 3,044 |
| Net loans and leases to total assets | 58.5427% | 2,600 |
| Net loans and leases to deposits | 71.6659% | 2,241 |
| Net loans and leases to core deposits | 76.1656% | 2,222 |
| Total domestic deposits to total assets | 81.6884% | 3,979 |
| Equity capital to assets | 9.9356% | 2,906 |
| Core capital (leverage) ratio | 9.5919% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $584,121,333 | 1,495 |
| Average earning assets | $543,411,667 | 1,499 |
| Average equity | $58,060,667 | 1,570 |
| Average total loans | $351,030,333 | 1,552 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4133% | 3,153 |
| Cost of funding earning assets | 0.4876% | 1,471 |
| Net interest margin | 2.9257% | 3,448 |
| Noninterest income to average assets | 0.5307% | 2,479 |
| Noninterest expense to average assets | 2.2046% | 3,096 |
| Loan and lease loss provision to assets | 0.1251% | 1,095 |
| Net operating income to assets | 0.7390% | 3,603 |
| Return on assets (ROA) | 0.7390% | 3,673 |
| Pretax return on assets | 0.9191% | 3,562 |
| Return on Equity (ROE) | 7.4331% | 3,489 |
| Retained earnings to average equity (ytd only) | 4.6051% | 3,340 |
| Net charge-offs to loans | 0.2910% | 287 |
| Credit loss provision to net charge-offs | 71.0938% | 1,245 |
| Earnings coverage of net charge-offs (x) | 5.9336% | 1,662 |
| Efficiency ratio | 66.6314% | 2,141 |
| Assets per employee ($millions) | 6.5645% | 2,120 |
| Cash dividends to net income (ytd only)* | 38.0465% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 2,361 |
| Loan loss allowance to noncurrent loans | 515.8072% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 1.2483% | 581 |
| Noncurrent loans to loans | 0.2554% | 3,189 |
| Net loans and leases to total assets | 58.9990% | 2,669 |
| Net loans and leases to deposits | 72.1833% | 2,294 |
| Net loans and leases to core deposits | 76.9710% | 2,268 |
| Total domestic deposits to total assets | 81.7350% | 3,947 |
| Equity capital to assets | 9.8860% | 2,811 |
| Core capital (leverage) ratio | 9.8222% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $581,868,000 | 1,489 |
| Average earning assets | $540,585,500 | 1,497 |
| Average equity | $57,849,000 | 1,564 |
| Average total loans | $351,848,000 | 1,560 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 1,555 |
| Cost of funding earning assets | 0.7086% | 1,677 |
| Net interest margin | 3.7032% | 1,788 |
| Noninterest income to average assets | 0.5348% | 2,487 |
| Noninterest expense to average assets | 2.3950% | 3,145 |
| Loan and lease loss provision to assets | 0.2660% | 1,451 |
| Net operating income to assets | 1.0173% | 2,226 |
| Return on assets (ROA) | 1.0173% | 2,368 |
| Pretax return on assets | 1.3225% | 1,909 |
| Return on Equity (ROE) | 9.5559% | 2,177 |
| Retained earnings to average equity (ytd only) | 6.8182% | 1,454 |
| Net charge-offs to loans | 0.1884% | 904 |
| Credit loss provision to net charge-offs | 199.4253% | 2,166 |
| Earnings coverage of net charge-offs (x) | 11.9109% | 2,372 |
| Efficiency ratio | 59.0072% | 3,588 |
| Assets per employee ($millions) | 6.0364% | 2,306 |
| Cash dividends to net income (ytd only)* | 28.6495% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,318 |
| Loan loss allowance to noncurrent loans | 276.9550% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 1.4394% | 525 |
| Noncurrent loans to loans | 0.4763% | 2,545 |
| Net loans and leases to total assets | 60.3497% | 2,812 |
| Net loans and leases to deposits | 73.9557% | 2,488 |
| Net loans and leases to core deposits | 79.1400% | 2,439 |
| Total domestic deposits to total assets | 81.6026% | 3,743 |
| Equity capital to assets | 9.9984% | 3,135 |
| Core capital (leverage) ratio | 9.9067% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $521,875,800 | 1,485 |
| Average earning assets | $486,012,000 | 1,485 |
| Average equity | $55,557,400 | 1,544 |
| Average total loans | $369,424,600 | 1,454 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 1,320 |
| Cost of funding earning assets | 0.7569% | 1,695 |
| Net interest margin | 3.8386% | 1,505 |
| Noninterest income to average assets | 0.5155% | 2,542 |
| Noninterest expense to average assets | 2.4563% | 2,973 |
| Loan and lease loss provision to assets | 0.2987% | 1,350 |
| Net operating income to assets | 1.0331% | 2,214 |
| Return on assets (ROA) | 1.0331% | 2,342 |
| Pretax return on assets | 1.3410% | 1,903 |
| Return on Equity (ROE) | 9.5385% | 2,193 |
| Retained earnings to average equity (ytd only) | 6.6639% | 1,826 |
| Net charge-offs to loans | -0.0043% | 4,019 |
| Credit loss provision to net charge-offs | -9,475.0000% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8518% | 3,543 |
| Assets per employee ($millions) | 6.0293% | 2,239 |
| Cash dividends to net income (ytd only)* | 30.1373% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 2,002 |
| Loan loss allowance to noncurrent loans | 59.4050% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 482 |
| Noncurrent loans to loans | 2.2564% | 503 |
| Net loans and leases to total assets | 69.6126% | 2,015 |
| Net loans and leases to deposits | 87.1763% | 1,571 |
| Net loans and leases to core deposits | 93.8200% | 1,657 |
| Total domestic deposits to total assets | 79.8527% | 3,891 |
| Equity capital to assets | 10.4706% | 2,817 |
| Core capital (leverage) ratio | 9.9650% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $507,471,250 | 1,501 |
| Average earning assets | $473,349,250 | 1,507 |
| Average equity | $54,961,750 | 1,552 |
| Average total loans | $373,181,250 | 1,432 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6284% | 1,592 |
| Cost of funding earning assets | 0.8203% | 1,726 |
| Net interest margin | 3.8082% | 1,816 |
| Noninterest income to average assets | 0.4341% | 2,883 |
| Noninterest expense to average assets | 2.4194% | 3,201 |
| Loan and lease loss provision to assets | 0.3066% | 1,404 |
| Net operating income to assets | 0.9678% | 2,430 |
| Return on assets (ROA) | 0.9678% | 2,562 |
| Pretax return on assets | 1.2518% | 2,177 |
| Return on Equity (ROE) | 8.8290% | 2,433 |
| Retained earnings to average equity (ytd only) | 6.1277% | 2,014 |
| Net charge-offs to loans | 0.0027% | 2,903 |
| Credit loss provision to net charge-offs | 15,200.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 772.6000% | 121 |
| Efficiency ratio | 59.6450% | 3,459 |
| Assets per employee ($millions) | 5.6538% | 2,488 |
| Cash dividends to net income (ytd only)* | 30.5961% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,516 |
| Loan loss allowance to noncurrent loans | 53.3258% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.7924% | 445 |
| Noncurrent loans to loans | 2.2508% | 552 |
| Net loans and leases to total assets | 72.6126% | 1,606 |
| Net loans and leases to deposits | 90.9897% | 1,269 |
| Net loans and leases to core deposits | 97.3280% | 1,471 |
| Total domestic deposits to total assets | 79.8032% | 3,880 |
| Equity capital to assets | 10.3625% | 2,871 |
| Core capital (leverage) ratio | 10.1924% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $495,750,667 | 1,511 |
| Average earning assets | $461,321,000 | 1,510 |
| Average equity | $54,343,333 | 1,545 |
| Average total loans | $369,950,667 | 1,430 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 1,441 |
| Cost of funding earning assets | 0.9177% | 1,776 |
| Net interest margin | 3.8749% | 1,747 |
| Noninterest income to average assets | 0.4226% | 2,953 |
| Noninterest expense to average assets | 2.5820% | 3,035 |
| Loan and lease loss provision to assets | 0.4487% | 677 |
| Net operating income to assets | 0.7745% | 3,002 |
| Return on assets (ROA) | 0.7745% | 3,079 |
| Pretax return on assets | 0.9858% | 2,885 |
| Return on Equity (ROE) | 6.8547% | 3,010 |
| Retained earnings to average equity (ytd only) | 3.4944% | 2,891 |
| Net charge-offs to loans | -0.0022% | 3,674 |
| Credit loss provision to net charge-offs | -26,650.0000% | 4,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0685% | 3,360 |
| Assets per employee ($millions) | 5.6069% | 2,022 |
| Cash dividends to net income (ytd only)* | 49.0217% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,379 |
| Loan loss allowance to noncurrent loans | 50.7071% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.0021% | 419 |
| Noncurrent loans to loans | 2.4695% | 493 |
| Net loans and leases to total assets | 73.8891% | 1,623 |
| Net loans and leases to deposits | 93.8606% | 1,093 |
| Net loans and leases to core deposits | 102.5200% | 1,282 |
| Total domestic deposits to total assets | 78.7222% | 4,103 |
| Equity capital to assets | 11.1960% | 2,683 |
| Core capital (leverage) ratio | 10.8352% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $475,131,500 | 1,518 |
| Average earning assets | $440,685,000 | 1,518 |
| Average equity | $53,686,000 | 1,553 |
| Average total loans | $357,552,500 | 1,428 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1160% | 1,184 |
| Cost of funding earning assets | 0.9728% | 1,841 |
| Net interest margin | 4.1432% | 1,443 |
| Noninterest income to average assets | 0.5874% | 2,283 |
| Noninterest expense to average assets | 2.5297% | 3,371 |
| Loan and lease loss provision to assets | 0.2310% | 827 |
| Net operating income to assets | 1.3034% | 1,679 |
| Return on assets (ROA) | 1.3034% | 1,755 |
| Pretax return on assets | 1.6369% | 1,382 |
| Return on Equity (ROE) | 11.5393% | 1,676 |
| Retained earnings to average equity (ytd only) | 6.4864% | 1,616 |
| Net charge-offs to loans | 0.2451% | 841 |
| Credit loss provision to net charge-offs | 126.4354% | 2,015 |
| Earnings coverage of net charge-offs (x) | 10.2249% | 2,590 |
| Efficiency ratio | 56.3727% | 4,163 |
| Assets per employee ($millions) | 4.7762% | 2,865 |
| Cash dividends to net income (ytd only)* | 43.7888% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 2,815 |
| Loan loss allowance to noncurrent loans | 42.9249% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 2.1379% | 356 |
| Noncurrent loans to loans | 2.6190% | 401 |
| Net loans and leases to total assets | 74.8427% | 1,611 |
| Net loans and leases to deposits | 94.4854% | 1,111 |
| Net loans and leases to core deposits | 103.2723% | 1,290 |
| Total domestic deposits to total assets | 79.2108% | 4,145 |
| Equity capital to assets | 11.4054% | 2,617 |
| Core capital (leverage) ratio | 10.9754% | 2,522 |
| Tier 1 risk-based capital ratio | 13.4235% | 3,565 |
| Total risk-based capital ratio | 14.4687% | 3,565 |
| Memoranda: | ||
| Average total assets | $457,644,000 | 1,526 |
| Average earning assets | $420,856,200 | 1,542 |
| Average equity | $51,693,000 | 1,553 |
| Average total loans | $341,071,800 | 1,459 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1316% | 1,206 |
| Cost of funding earning assets | 0.9784% | 1,854 |
| Net interest margin | 4.1532% | 1,492 |
| Noninterest income to average assets | 0.6288% | 2,075 |
| Noninterest expense to average assets | 2.5829% | 3,208 |
| Loan and lease loss provision to assets | 0.2432% | 680 |
| Net operating income to assets | 1.3095% | 1,813 |
| Return on assets (ROA) | 1.3095% | 1,900 |
| Pretax return on assets | 1.6186% | 1,573 |
| Return on Equity (ROE) | 11.6218% | 1,750 |
| Retained earnings to average equity (ytd only) | 7.9915% | 1,394 |
| Net charge-offs to loans | 0.1579% | 1,049 |
| Credit loss provision to net charge-offs | 207.5000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 15.8850% | 2,161 |
| Efficiency ratio | 56.9649% | 4,068 |
| Assets per employee ($millions) | 5.2280% | 2,308 |
| Cash dividends to net income (ytd only)* | 31.2375% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,474 |
| Loan loss allowance to noncurrent loans | 46.2489% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 2.0933% | 401 |
| Noncurrent loans to loans | 2.6088% | 427 |
| Net loans and leases to total assets | 73.7696% | 1,859 |
| Net loans and leases to deposits | 94.5467% | 1,166 |
| Net loans and leases to core deposits | 103.3818% | 1,380 |
| Total domestic deposits to total assets | 78.0246% | 4,339 |
| Equity capital to assets | 11.4098% | 2,729 |
| Core capital (leverage) ratio | 11.1369% | 2,525 |
| Tier 1 risk-based capital ratio | 13.5586% | 3,535 |
| Total risk-based capital ratio | 14.6771% | 3,521 |
| Memoranda: | ||
| Average total assets | $455,038,500 | 1,546 |
| Average earning assets | $418,079,750 | 1,560 |
| Average equity | $51,270,000 | 1,564 |
| Average total loans | $337,765,750 | 1,476 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2345% | 917 |
| Cost of funding earning assets | 0.9631% | 1,852 |
| Net interest margin | 4.2714% | 1,198 |
| Noninterest income to average assets | 0.6802% | 1,796 |
| Noninterest expense to average assets | 2.6429% | 3,080 |
| Loan and lease loss provision to assets | 0.2670% | 564 |
| Net operating income to assets | 1.4052% | 1,424 |
| Return on assets (ROA) | 1.4052% | 1,477 |
| Pretax return on assets | 1.6943% | 1,279 |
| Return on Equity (ROE) | 12.5257% | 1,399 |
| Retained earnings to average equity (ytd only) | 9.4624% | 918 |
| Net charge-offs to loans | 0.2499% | 672 |
| Credit loss provision to net charge-offs | 144.2584% | 1,537 |
| Earnings coverage of net charge-offs (x) | 10.5957% | 2,255 |
| Efficiency ratio | 56.2855% | 4,216 |
| Assets per employee ($millions) | 4.8209% | 2,716 |
| Cash dividends to net income (ytd only)* | 24.4564% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 2,772 |
| Loan loss allowance to noncurrent loans | 197.5475% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 2,389 |
| Noncurrent loans to loans | 0.5839% | 2,509 |
| Net loans and leases to total assets | 73.8587% | 1,913 |
| Net loans and leases to deposits | 94.8217% | 1,173 |
| Net loans and leases to core deposits | 103.1812% | 1,456 |
| Total domestic deposits to total assets | 77.8922% | 4,417 |
| Equity capital to assets | 11.4293% | 2,675 |
| Core capital (leverage) ratio | 11.1153% | 2,494 |
| Tier 1 risk-based capital ratio | 13.7886% | 3,432 |
| Total risk-based capital ratio | 14.8752% | 3,413 |
| Memoranda: | ||
| Average total assets | $451,620,330 | 1,560 |
| Average earning assets | $414,899,000 | 1,572 |
| Average equity | $50,663,670 | 1,574 |
| Average total loans | $334,542,000 | 1,495 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3624% | 676 |
| Cost of funding earning assets | 0.9335% | 1,871 |
| Net interest margin | 4.4289% | 848 |
| Noninterest income to average assets | 0.8947% | 1,050 |
| Noninterest expense to average assets | 2.7910% | 2,598 |
| Loan and lease loss provision to assets | 0.2694% | 516 |
| Net operating income to assets | 1.4406% | 1,266 |
| Return on assets (ROA) | 1.4406% | 1,296 |
| Pretax return on assets | 1.8928% | 806 |
| Return on Equity (ROE) | 12.9659% | 1,229 |
| Retained earnings to average equity (ytd only) | 6.7358% | 2,142 |
| Net charge-offs to loans | 0.1439% | 894 |
| Credit loss provision to net charge-offs | 253.7815% | 915 |
| Earnings coverage of net charge-offs (x) | 20.3697% | 1,560 |
| Efficiency ratio | 55.3034% | 4,409 |
| Assets per employee ($millions) | 4.8738% | 2,673 |
| Cash dividends to net income (ytd only)* | 48.0495% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,574 |
| Loan loss allowance to noncurrent loans | 111.4722% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 1,590 |
| Noncurrent loans to loans | 1.0767% | 1,546 |
| Net loans and leases to total assets | 71.6468% | 2,220 |
| Net loans and leases to deposits | 91.8808% | 1,416 |
| Net loans and leases to core deposits | 99.7203% | 1,647 |
| Total domestic deposits to total assets | 77.9780% | 4,520 |
| Equity capital to assets | 11.1414% | 2,713 |
| Core capital (leverage) ratio | 11.0393% | 2,539 |
| Tier 1 risk-based capital ratio | 13.8645% | 3,410 |
| Total risk-based capital ratio | 14.9930% | 3,383 |
| Memoranda: | ||
| Average total assets | $448,436,500 | 1,578 |
| Average earning assets | $410,938,500 | 1,595 |
| Average equity | $49,823,000 | 1,582 |
| Average total loans | $330,707,500 | 1,520 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 1,660 |
| Cost of funding earning assets | 0.8481% | 1,315 |
| Net interest margin | 3.9072% | 2,305 |
| Noninterest income to average assets | 0.3680% | 3,636 |
| Noninterest expense to average assets | 2.6747% | 3,111 |
| Loan and lease loss provision to assets | 0.1530% | 1,385 |
| Net operating income to assets | 0.8852% | 3,477 |
| Return on assets (ROA) | 0.8800% | 3,488 |
| Pretax return on assets | 1.1482% | 3,106 |
| Return on Equity (ROE) | 8.5672% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.4282% | 1,495 |
| Net charge-offs to loans | 0.0918% | 1,855 |
| Credit loss provision to net charge-offs | 216.4875% | 1,335 |
| Earnings coverage of net charge-offs (x) | 18.5090% | 2,126 |
| Efficiency ratio | 66.6730% | 2,750 |
| Assets per employee ($millions) | 4.6696% | 2,927 |
| Cash dividends to net income (ytd only)* | 13.2950% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 2,924 |
| Loan loss allowance to noncurrent loans | 103.0685% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.9317% | 1,477 |
| Noncurrent loans to loans | 1.0970% | 1,478 |
| Net loans and leases to total assets | 74.1551% | 1,914 |
| Net loans and leases to deposits | 93.7226% | 1,312 |
| Net loans and leases to core deposits | 107.0419% | 1,190 |
| Total domestic deposits to total assets | 79.1219% | 4,290 |
| Equity capital to assets | 11.0787% | 2,611 |
| Core capital (leverage) ratio | 10.7829% | 2,752 |
| Tier 1 risk-based capital ratio | 13.6219% | 3,480 |
| Total risk-based capital ratio | 14.6992% | 3,479 |
| Memoranda: | ||
| Average total assets | $394,884,600 | 1,737 |
| Average earning assets | $365,298,800 | 1,744 |
| Average equity | $40,561,600 | 1,829 |
| Average total loans | $303,809,600 | 1,585 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6362% | 1,880 |
| Cost of funding earning assets | 0.8379% | 1,158 |
| Net interest margin | 3.7983% | 2,658 |
| Noninterest income to average assets | 0.3090% | 4,079 |
| Noninterest expense to average assets | 2.6063% | 3,264 |
| Loan and lease loss provision to assets | 0.1578% | 1,230 |
| Net operating income to assets | 0.8198% | 3,841 |
| Return on assets (ROA) | 0.8187% | 3,857 |
| Pretax return on assets | 1.0671% | 3,514 |
| Return on Equity (ROE) | 8.1562% | 3,485 |
| Retained earnings to average equity (ytd only) | 6.5527% | 2,360 |
| Net charge-offs to loans | 0.0940% | 1,555 |
| Credit loss provision to net charge-offs | 216.7464% | 1,301 |
| Earnings coverage of net charge-offs (x) | 16.8421% | 2,139 |
| Efficiency ratio | 68.0029% | 2,538 |
| Assets per employee ($millions) | 4.7701% | 2,765 |
| Cash dividends to net income (ytd only)* | 19.6594% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,084 |
| Loan loss allowance to noncurrent loans | 99.0848% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0609% | 1,358 |
| Noncurrent loans to loans | 1.1288% | 1,504 |
| Net loans and leases to total assets | 74.1530% | 1,957 |
| Net loans and leases to deposits | 92.3317% | 1,580 |
| Net loans and leases to core deposits | 101.3214% | 1,668 |
| Total domestic deposits to total assets | 80.3116% | 4,038 |
| Equity capital to assets | 10.8727% | 2,779 |
| Core capital (leverage) ratio | 10.1546% | 3,463 |
| Tier 1 risk-based capital ratio | 13.3265% | 3,715 |
| Total risk-based capital ratio | 14.3844% | 3,736 |
| Memoranda: | ||
| Average total assets | $382,703,750 | 1,793 |
| Average earning assets | $355,025,000 | 1,793 |
| Average equity | $38,415,500 | 1,930 |
| Average total loans | $296,582,000 | 1,616 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6781% | 1,561 |
| Cost of funding earning assets | 0.8516% | 905 |
| Net interest margin | 3.8265% | 2,474 |
| Noninterest income to average assets | 0.1890% | 4,880 |
| Noninterest expense to average assets | 2.6353% | 3,203 |
| Loan and lease loss provision to assets | 0.1659% | 1,109 |
| Net operating income to assets | 0.7302% | 4,104 |
| Return on assets (ROA) | 0.7302% | 4,103 |
| Pretax return on assets | 0.9555% | 3,789 |
| Return on Equity (ROE) | 7.5264% | 3,711 |
| Retained earnings to average equity (ytd only) | 5.6236% | 2,759 |
| Net charge-offs to loans | 0.1337% | 1,122 |
| Credit loss provision to net charge-offs | 158.1152% | 1,523 |
| Earnings coverage of net charge-offs (x) | 10.6859% | 2,319 |
| Efficiency ratio | 70.1477% | 2,288 |
| Assets per employee ($millions) | 4.5224% | 3,097 |
| Cash dividends to net income (ytd only)* | 25.2822% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 2,386 |
| Loan loss allowance to noncurrent loans | 94.2364% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.2184% | 1,178 |
| Noncurrent loans to loans | 1.3356% | 1,272 |
| Net loans and leases to total assets | 76.9391% | 1,476 |
| Net loans and leases to deposits | 97.9965% | 968 |
| Net loans and leases to core deposits | 112.2787% | 871 |
| Total domestic deposits to total assets | 78.5121% | 4,507 |
| Equity capital to assets | 9.8541% | 3,765 |
| Core capital (leverage) ratio | 10.0940% | 3,487 |
| Tier 1 risk-based capital ratio | 12.5711% | 4,142 |
| Total risk-based capital ratio | 13.7958% | 4,050 |
| Memoranda: | ||
| Average total assets | $363,987,670 | 1,871 |
| Average earning assets | $339,370,670 | 1,871 |
| Average equity | $35,315,670 | 2,078 |
| Average total loans | $285,741,670 | 1,661 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 1,509 |
| Cost of funding earning assets | 0.8216% | 865 |
| Net interest margin | 3.8001% | 2,426 |
| Noninterest income to average assets | 0.3440% | 3,851 |
| Noninterest expense to average assets | 2.6273% | 3,254 |
| Loan and lease loss provision to assets | 0.1654% | 1,078 |
| Net operating income to assets | 0.8042% | 3,682 |
| Return on assets (ROA) | 0.8042% | 3,695 |
| Pretax return on assets | 1.0836% | 3,232 |
| Return on Equity (ROE) | 8.3532% | 3,217 |
| Retained earnings to average equity (ytd only) | 4.5294% | 3,389 |
| Net charge-offs to loans | 0.1696% | 852 |
| Credit loss provision to net charge-offs | 123.7705% | 1,364 |
| Earnings coverage of net charge-offs (x) | 9.3443% | 1,971 |
| Efficiency ratio | 67.7784% | 2,870 |
| Assets per employee ($millions) | 4.6798% | 2,885 |
| Cash dividends to net income (ytd only)* | 45.7766% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,696 |
| Loan loss allowance to noncurrent loans | 78.2216% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 2.1259% | 508 |
| Noncurrent loans to loans | 1.5583% | 1,120 |
| Net loans and leases to total assets | 76.9482% | 1,397 |
| Net loans and leases to deposits | 97.6770% | 893 |
| Net loans and leases to core deposits | 113.2526% | 834 |
| Total domestic deposits to total assets | 78.7782% | 4,612 |
| Equity capital to assets | 9.6284% | 3,963 |
| Core capital (leverage) ratio | 9.8384% | 3,723 |
| Tier 1 risk-based capital ratio | 12.0846% | 4,504 |
| Total risk-based capital ratio | 13.2538% | 4,438 |
| Memoranda: | ||
| Average total assets | $365,086,500 | 1,875 |
| Average earning assets | $339,356,500 | 1,876 |
| Average equity | $35,148,000 | 2,091 |
| Average total loans | $287,659,500 | 1,670 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 1,652 |
| Cost of funding earning assets | 0.7632% | 774 |
| Net interest margin | 3.7568% | 2,574 |
| Noninterest income to average assets | 0.4209% | 3,497 |
| Noninterest expense to average assets | 2.5887% | 3,482 |
| Loan and lease loss provision to assets | 0.1727% | 1,267 |
| Net operating income to assets | 0.6910% | 3,635 |
| Return on assets (ROA) | 0.6751% | 3,759 |
| Pretax return on assets | 1.1294% | 3,062 |
| Return on Equity (ROE) | 6.9040% | 3,326 |
| Retained earnings to average equity (ytd only) | 5.7080% | 1,701 |
| Net charge-offs to loans | 0.0156% | 3,570 |
| Credit loss provision to net charge-offs | 1,404.6512% | 279 |
| Earnings coverage of net charge-offs (x) | 107.9302% | 614 |
| Efficiency ratio | 66.0752% | 3,253 |
| Assets per employee ($millions) | 4.5080% | 3,170 |
| Cash dividends to net income (ytd only)* | 17.3232% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 2,891 |
| Loan loss allowance to noncurrent loans | 167.6585% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 1.4520% | 965 |
| Noncurrent loans to loans | 0.7045% | 2,447 |
| Net loans and leases to total assets | 78.7451% | 1,174 |
| Net loans and leases to deposits | 99.8372% | 741 |
| Net loans and leases to core deposits | 117.9514% | 654 |
| Total domestic deposits to total assets | 78.8735% | 4,568 |
| Equity capital to assets | 9.6262% | 4,114 |
| Core capital (leverage) ratio | 9.7300% | 3,773 |
| Tier 1 risk-based capital ratio | 12.1498% | 4,430 |
| Total risk-based capital ratio | 13.3302% | 4,368 |
| Memoranda: | ||
| Average total assets | $349,745,400 | 1,918 |
| Average earning assets | $325,359,800 | 1,912 |
| Average equity | $34,197,400 | 2,125 |
| Average total loans | $275,387,400 | 1,684 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 1,726 |
| Cost of funding earning assets | 0.7620% | 714 |
| Net interest margin | 3.7077% | 2,729 |
| Noninterest income to average assets | 0.4645% | 3,249 |
| Noninterest expense to average assets | 2.6046% | 3,398 |
| Loan and lease loss provision to assets | 0.1746% | 1,154 |
| Net operating income to assets | 0.7259% | 3,843 |
| Return on assets (ROA) | 0.7308% | 3,888 |
| Pretax return on assets | 1.1421% | 3,146 |
| Return on Equity (ROE) | 7.4440% | 3,419 |
| Retained earnings to average equity (ytd only) | 5.8382% | 2,347 |
| Net charge-offs to loans | 0.0098% | 3,378 |
| Credit loss provision to net charge-offs | 2,265.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 169.7747% | 498 |
| Efficiency ratio | 66.5025% | 3,121 |
| Assets per employee ($millions) | 4.2399% | 3,580 |
| Cash dividends to net income (ytd only)* | 21.5717% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 3,036 |
| Loan loss allowance to noncurrent loans | 152.9820% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.5941% | 928 |
| Noncurrent loans to loans | 0.7722% | 2,436 |
| Net loans and leases to total assets | 78.6590% | 1,171 |
| Net loans and leases to deposits | 99.9794% | 749 |
| Net loans and leases to core deposits | 120.7463% | 565 |
| Total domestic deposits to total assets | 78.6752% | 4,598 |
| Equity capital to assets | 9.9161% | 4,018 |
| Core capital (leverage) ratio | 9.8695% | 3,733 |
| Tier 1 risk-based capital ratio | 12.2833% | 4,444 |
| Total risk-based capital ratio | 13.4475% | 4,393 |
| Memoranda: | ||
| Average total assets | $345,894,750 | 1,945 |
| Average earning assets | $321,768,750 | 1,939 |
| Average equity | $33,959,250 | 2,148 |
| Average total loans | $271,491,000 | 1,712 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4013% | 1,810 |
| Cost of funding earning assets | 0.7594% | 656 |
| Net interest margin | 3.6419% | 2,868 |
| Noninterest income to average assets | 0.5095% | 2,964 |
| Noninterest expense to average assets | 2.6218% | 3,362 |
| Loan and lease loss provision to assets | 0.1756% | 1,093 |
| Net operating income to assets | 0.7153% | 3,771 |
| Return on assets (ROA) | 0.7229% | 3,815 |
| Pretax return on assets | 1.1097% | 3,136 |
| Return on Equity (ROE) | 7.3885% | 3,345 |
| Retained earnings to average equity (ytd only) | 5.4567% | 2,434 |
| Net charge-offs to loans | 0.0186% | 2,874 |
| Credit loss provision to net charge-offs | 1,208.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 87.6000% | 715 |
| Efficiency ratio | 67.2290% | 3,146 |
| Assets per employee ($millions) | 4.3691% | 3,314 |
| Cash dividends to net income (ytd only)* | 26.1464% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,406 |
| Loan loss allowance to noncurrent loans | 120.4354% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.8175% | 758 |
| Noncurrent loans to loans | 0.9403% | 2,086 |
| Net loans and leases to total assets | 77.7842% | 1,276 |
| Net loans and leases to deposits | 98.4042% | 859 |
| Net loans and leases to core deposits | 118.6464% | 611 |
| Total domestic deposits to total assets | 79.0455% | 4,608 |
| Equity capital to assets | 9.7048% | 4,221 |
| Core capital (leverage) ratio | 9.7478% | 3,840 |
| Tier 1 risk-based capital ratio | 12.1822% | 4,504 |
| Total risk-based capital ratio | 13.3007% | 4,481 |
| Memoranda: | ||
| Average total assets | $343,888,330 | 1,959 |
| Average earning assets | $319,727,000 | 1,952 |
| Average equity | $33,647,000 | 2,158 |
| Average total loans | $268,614,330 | 1,724 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 1,795 |
| Cost of funding earning assets | 0.7487% | 658 |
| Net interest margin | 3.6088% | 2,862 |
| Noninterest income to average assets | 0.4792% | 3,125 |
| Noninterest expense to average assets | 2.5802% | 3,559 |
| Loan and lease loss provision to assets | 0.1782% | 980 |
| Net operating income to assets | 0.7092% | 3,666 |
| Return on assets (ROA) | 0.7247% | 3,647 |
| Pretax return on assets | 1.1013% | 2,975 |
| Return on Equity (ROE) | 7.3758% | 3,221 |
| Retained earnings to average equity (ytd only) | 3.4717% | 3,701 |
| Net charge-offs to loans | 0.0273% | 2,211 |
| Credit loss provision to net charge-offs | 838.8889% | 372 |
| Earnings coverage of net charge-offs (x) | 59.1111% | 810 |
| Efficiency ratio | 67.1077% | 3,326 |
| Assets per employee ($millions) | 4.7166% | 2,818 |
| Cash dividends to net income (ytd only)* | 52.9316% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 3,508 |
| Loan loss allowance to noncurrent loans | 112.8234% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.7704% | 817 |
| Noncurrent loans to loans | 1.0029% | 2,046 |
| Net loans and leases to total assets | 75.3310% | 1,522 |
| Net loans and leases to deposits | 95.0873% | 1,002 |
| Net loans and leases to core deposits | 112.9554% | 729 |
| Total domestic deposits to total assets | 79.2230% | 4,786 |
| Equity capital to assets | 9.6033% | 4,180 |
| Core capital (leverage) ratio | 9.8338% | 3,716 |
| Tier 1 risk-based capital ratio | 12.4685% | 4,407 |
| Total risk-based capital ratio | 13.5813% | 4,395 |
| Memoranda: | ||
| Average total assets | $338,884,500 | 1,998 |
| Average earning assets | $315,227,500 | 1,996 |
| Average equity | $33,298,000 | 2,184 |
| Average total loans | $263,707,500 | 1,761 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 1,699 |
| Cost of funding earning assets | 0.7067% | 792 |
| Net interest margin | 3.7391% | 2,540 |
| Noninterest income to average assets | 0.5765% | 2,777 |
| Noninterest expense to average assets | 2.6109% | 3,645 |
| Loan and lease loss provision to assets | 0.3393% | 516 |
| Net operating income to assets | 0.7183% | 3,699 |
| Return on assets (ROA) | 0.7213% | 3,799 |
| Pretax return on assets | 1.1202% | 3,015 |
| Return on Equity (ROE) | 7.2355% | 3,349 |
| Retained earnings to average equity (ytd only) | 5.5862% | 1,961 |
| Net charge-offs to loans | 0.3120% | 879 |
| Credit loss provision to net charge-offs | 141.7202% | 1,930 |
| Earnings coverage of net charge-offs (x) | 6.0770% | 3,236 |
| Efficiency ratio | 64.0136% | 3,936 |
| Assets per employee ($millions) | 4.4425% | 3,202 |
| Cash dividends to net income (ytd only)* | 22.7951% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,718 |
| Loan loss allowance to noncurrent loans | 159.5119% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 1.6155% | 982 |
| Noncurrent loans to loans | 0.6895% | 2,810 |
| Net loans and leases to total assets | 78.6649% | 1,098 |
| Net loans and leases to deposits | 98.7347% | 762 |
| Net loans and leases to core deposits | 116.6842% | 587 |
| Total domestic deposits to total assets | 79.6729% | 4,640 |
| Equity capital to assets | 10.0619% | 3,661 |
| Core capital (leverage) ratio | 10.1032% | 3,360 |
| Tier 1 risk-based capital ratio | 12.8622% | 4,159 |
| Total risk-based capital ratio | 13.9690% | 4,147 |
| Memoranda: | ||
| Average total assets | $325,399,600 | 2,032 |
| Average earning assets | $303,653,200 | 2,018 |
| Average equity | $32,437,200 | 2,207 |
| Average total loans | $249,692,800 | 1,795 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 1,708 |
| Cost of funding earning assets | 0.7049% | 797 |
| Net interest margin | 3.7433% | 2,541 |
| Noninterest income to average assets | 0.5772% | 2,779 |
| Noninterest expense to average assets | 2.6410% | 3,536 |
| Loan and lease loss provision to assets | 0.3710% | 415 |
| Net operating income to assets | 0.6850% | 3,934 |
| Return on assets (ROA) | 0.6889% | 4,044 |
| Pretax return on assets | 1.0685% | 3,358 |
| Return on Equity (ROE) | 6.9273% | 3,599 |
| Retained earnings to average equity (ytd only) | 4.7174% | 2,999 |
| Net charge-offs to loans | 0.2059% | 1,139 |
| Credit loss provision to net charge-offs | 237.0079% | 1,244 |
| Earnings coverage of net charge-offs (x) | 9.1574% | 2,701 |
| Efficiency ratio | 64.6199% | 3,834 |
| Assets per employee ($millions) | 4.6198% | 2,891 |
| Cash dividends to net income (ytd only)* | 31.9025% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 3,046 |
| Loan loss allowance to noncurrent loans | 162.5066% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.5795% | 1,112 |
| Noncurrent loans to loans | 0.7584% | 2,776 |
| Net loans and leases to total assets | 75.0787% | 1,689 |
| Net loans and leases to deposits | 94.3605% | 1,226 |
| Net loans and leases to core deposits | 111.1435% | 858 |
| Total domestic deposits to total assets | 79.5657% | 4,598 |
| Equity capital to assets | 10.0251% | 4,106 |
| Core capital (leverage) ratio | 9.7876% | 3,823 |
| Tier 1 risk-based capital ratio | 12.5564% | 4,440 |
| Total risk-based capital ratio | 13.7346% | 4,384 |
| Memoranda: | ||
| Average total assets | $324,563,500 | 2,039 |
| Average earning assets | $303,222,500 | 2,029 |
| Average equity | $32,277,000 | 2,230 |
| Average total loans | $246,745,500 | 1,815 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 1,742 |
| Cost of funding earning assets | 0.6924% | 837 |
| Net interest margin | 3.7370% | 2,564 |
| Noninterest income to average assets | 0.5745% | 2,764 |
| Noninterest expense to average assets | 2.6096% | 3,694 |
| Loan and lease loss provision to assets | 0.3723% | 419 |
| Net operating income to assets | 0.6867% | 3,863 |
| Return on assets (ROA) | 0.6926% | 3,976 |
| Pretax return on assets | 1.0896% | 3,241 |
| Return on Equity (ROE) | 6.9836% | 3,552 |
| Retained earnings to average equity (ytd only) | 4.8262% | 2,852 |
| Net charge-offs to loans | 0.2993% | 797 |
| Credit loss provision to net charge-offs | 163.5870% | 1,505 |
| Earnings coverage of net charge-offs (x) | 6.3832% | 2,749 |
| Efficiency ratio | 64.0432% | 4,007 |
| Assets per employee ($millions) | 4.2780% | 3,410 |
| Cash dividends to net income (ytd only)* | 30.8929% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,818 |
| Loan loss allowance to noncurrent loans | 127.5183% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.6408% | 1,105 |
| Noncurrent loans to loans | 0.8812% | 2,534 |
| Net loans and leases to total assets | 73.4429% | 1,940 |
| Net loans and leases to deposits | 93.4036% | 1,355 |
| Net loans and leases to core deposits | 109.8981% | 937 |
| Total domestic deposits to total assets | 78.6296% | 4,869 |
| Equity capital to assets | 9.7725% | 4,486 |
| Core capital (leverage) ratio | 9.9109% | 3,670 |
| Tier 1 risk-based capital ratio | 12.4224% | 4,577 |
| Total risk-based capital ratio | 13.4909% | 4,600 |
| Memoranda: | ||
| Average total assets | $323,415,330 | 2,055 |
| Average earning assets | $301,844,000 | 2,047 |
| Average equity | $32,075,000 | 2,242 |
| Average total loans | $245,881,670 | 1,823 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 1,653 |
| Cost of funding earning assets | 0.6846% | 870 |
| Net interest margin | 3.7667% | 2,415 |
| Noninterest income to average assets | 0.5932% | 2,572 |
| Noninterest expense to average assets | 2.5876% | 3,784 |
| Loan and lease loss provision to assets | 0.3783% | 378 |
| Net operating income to assets | 0.7025% | 3,696 |
| Return on assets (ROA) | 0.7025% | 3,813 |
| Pretax return on assets | 1.1399% | 2,933 |
| Return on Equity (ROE) | 7.0297% | 3,437 |
| Retained earnings to average equity (ytd only) | 2.6786% | 4,173 |
| Net charge-offs to loans | 0.0049% | 2,950 |
| Credit loss provision to net charge-offs | 10,033.3333% | 31 |
| Earnings coverage of net charge-offs (x) | 402.6667% | 152 |
| Efficiency ratio | 62.8099% | 4,325 |
| Assets per employee ($millions) | 4.3164% | 3,385 |
| Cash dividends to net income (ytd only)* | 61.8962% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,751 |
| Loan loss allowance to noncurrent loans | 241.6455% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 1.3811% | 1,517 |
| Noncurrent loans to loans | 0.4772% | 3,750 |
| Net loans and leases to total assets | 75.4328% | 1,479 |
| Net loans and leases to deposits | 96.5290% | 890 |
| Net loans and leases to core deposits | 108.4302% | 950 |
| Total domestic deposits to total assets | 78.1452% | 5,115 |
| Equity capital to assets | 9.8711% | 4,251 |
| Core capital (leverage) ratio | 10.1392% | 3,380 |
| Tier 1 risk-based capital ratio | 11.9783% | 4,930 |
| Total risk-based capital ratio | 13.0510% | 4,949 |
| Memoranda: | ||
| Average total assets | $318,282,500 | 2,095 |
| Average earning assets | $296,813,500 | 2,076 |
| Average equity | $31,808,000 | 2,255 |
| Average total loans | $244,897,500 | 1,830 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 1,270 |
| Cost of funding earning assets | 0.6602% | 1,019 |
| Net interest margin | 3.9659% | 1,826 |
| Noninterest income to average assets | 0.4555% | 3,626 |
| Noninterest expense to average assets | 2.7898% | 3,273 |
| Loan and lease loss provision to assets | 0.4565% | 263 |
| Net operating income to assets | 0.5952% | 4,293 |
| Return on assets (ROA) | 0.6050% | 4,344 |
| Pretax return on assets | 0.9060% | 3,817 |
| Return on Equity (ROE) | 5.8782% | 4,088 |
| Retained earnings to average equity (ytd only) | 4.4871% | 2,792 |
| Net charge-offs to loans | 0.8207% | 270 |
| Credit loss provision to net charge-offs | 70.4884% | 3,117 |
| Earnings coverage of net charge-offs (x) | 2.0812% | 3,978 |
| Efficiency ratio | 67.2085% | 3,712 |
| Assets per employee ($millions) | 4.2854% | 3,420 |
| Cash dividends to net income (ytd only)* | 23.6654% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 4,310 |
| Loan loss allowance to noncurrent loans | 155.4540% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 1.5641% | 1,270 |
| Noncurrent loans to loans | 0.6760% | 3,170 |
| Net loans and leases to total assets | 76.7806% | 1,291 |
| Net loans and leases to deposits | 97.2729% | 884 |
| Net loans and leases to core deposits | 109.7407% | 865 |
| Total domestic deposits to total assets | 78.9332% | 4,991 |
| Equity capital to assets | 10.1204% | 3,839 |
| Core capital (leverage) ratio | 10.3157% | 3,141 |
| Tier 1 risk-based capital ratio | 12.3502% | 4,730 |
| Total risk-based capital ratio | 13.3471% | 4,791 |
| Memoranda: | ||
| Average total assets | $300,345,200 | 2,146 |
| Average earning assets | $278,851,600 | 2,144 |
| Average equity | $30,910,800 | 2,257 |
| Average total loans | $236,980,000 | 1,823 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 1,248 |
| Cost of funding earning assets | 0.6565% | 1,056 |
| Net interest margin | 3.9762% | 1,782 |
| Noninterest income to average assets | 0.4235% | 3,915 |
| Noninterest expense to average assets | 2.8494% | 3,010 |
| Loan and lease loss provision to assets | 0.4683% | 227 |
| Net operating income to assets | 0.5369% | 4,645 |
| Return on assets (ROA) | 0.5482% | 4,701 |
| Pretax return on assets | 0.8119% | 4,300 |
| Return on Equity (ROE) | 5.3031% | 4,489 |
| Retained earnings to average equity (ytd only) | 3.4370% | 4,024 |
| Net charge-offs to loans | 0.3883% | 664 |
| Credit loss provision to net charge-offs | 152.1866% | 1,655 |
| Earnings coverage of net charge-offs (x) | 4.1064% | 3,399 |
| Efficiency ratio | 69.0588% | 3,364 |
| Assets per employee ($millions) | 3.9646% | 3,942 |
| Cash dividends to net income (ytd only)* | 35.1883% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 2,286 |
| Loan loss allowance to noncurrent loans | 121.1478% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 2.1012% | 940 |
| Noncurrent loans to loans | 1.2129% | 2,106 |
| Net loans and leases to total assets | 78.5473% | 1,017 |
| Net loans and leases to deposits | 98.5323% | 773 |
| Net loans and leases to core deposits | 112.0161% | 761 |
| Total domestic deposits to total assets | 79.7173% | 4,801 |
| Equity capital to assets | 10.4635% | 3,637 |
| Core capital (leverage) ratio | 10.4522% | 3,095 |
| Tier 1 risk-based capital ratio | 12.4733% | 4,779 |
| Total risk-based capital ratio | 13.7253% | 4,672 |
| Memoranda: | ||
| Average total assets | $297,223,250 | 2,178 |
| Average earning assets | $275,799,750 | 2,178 |
| Average equity | $30,723,500 | 2,283 |
| Average total loans | $235,538,500 | 1,837 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 1,350 |
| Cost of funding earning assets | 0.6508% | 1,095 |
| Net interest margin | 3.9176% | 1,920 |
| Noninterest income to average assets | 0.3861% | 4,180 |
| Noninterest expense to average assets | 2.8215% | 3,156 |
| Loan and lease loss provision to assets | 0.8589% | 87 |
| Net operating income to assets | 0.2660% | 5,538 |
| Return on assets (ROA) | 0.2852% | 5,567 |
| Pretax return on assets | 0.3618% | 5,552 |
| Return on Equity (ROE) | 2.7581% | 5,491 |
| Retained earnings to average equity (ytd only) | 0.5724% | 5,327 |
| Net charge-offs to loans | 0.5829% | 417 |
| Credit loss provision to net charge-offs | 186.4234% | 1,312 |
| Earnings coverage of net charge-offs (x) | 2.5971% | 3,316 |
| Efficiency ratio | 69.9866% | 3,334 |
| Assets per employee ($millions) | 4.0800% | 3,724 |
| Cash dividends to net income (ytd only)* | 79.2453% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 2,960 |
| Loan loss allowance to noncurrent loans | 108.4128% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 2.2066% | 949 |
| Noncurrent loans to loans | 1.2500% | 2,157 |
| Net loans and leases to total assets | 77.7934% | 1,098 |
| Net loans and leases to deposits | 95.2432% | 1,027 |
| Net loans and leases to core deposits | 108.0076% | 952 |
| Total domestic deposits to total assets | 81.6788% | 4,396 |
| Equity capital to assets | 10.2924% | 3,698 |
| Core capital (leverage) ratio | 10.3140% | 3,202 |
| Tier 1 risk-based capital ratio | 12.1948% | 5,008 |
| Total risk-based capital ratio | 13.4451% | 4,902 |
| Memoranda: | ||
| Average total assets | $297,361,330 | 2,192 |
| Average earning assets | $275,677,330 | 2,193 |
| Average equity | $30,746,330 | 2,294 |
| Average total loans | $235,037,670 | 1,840 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 1,224 |
| Cost of funding earning assets | 0.6416% | 1,172 |
| Net interest margin | 3.9558% | 1,702 |
| Noninterest income to average assets | 0.5264% | 3,110 |
| Noninterest expense to average assets | 2.7477% | 3,422 |
| Loan and lease loss provision to assets | 0.4066% | 276 |
| Net operating income to assets | 0.7218% | 3,685 |
| Return on assets (ROA) | 0.7552% | 3,647 |
| Pretax return on assets | 1.0891% | 3,130 |
| Return on Equity (ROE) | 7.2876% | 3,340 |
| Retained earnings to average equity (ytd only) | 2.9228% | 4,220 |
| Net charge-offs to loans | -0.0085% | 4,653 |
| Credit loss provision to net charge-offs | -6,040.0000% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2760% | 4,271 |
| Assets per employee ($millions) | 4.0256% | 3,906 |
| Cash dividends to net income (ytd only)* | 59.8930% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 3,835 |
| Loan loss allowance to noncurrent loans | 64.9630% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 2.6727% | 760 |
| Noncurrent loans to loans | 1.8791% | 1,428 |
| Net loans and leases to total assets | 78.7202% | 835 |
| Net loans and leases to deposits | 97.7756% | 694 |
| Net loans and leases to core deposits | 109.2285% | 785 |
| Total domestic deposits to total assets | 80.5111% | 4,931 |
| Equity capital to assets | 10.3874% | 3,670 |
| Core capital (leverage) ratio | 10.4838% | 2,983 |
| Tier 1 risk-based capital ratio | 12.4180% | 4,964 |
| Total risk-based capital ratio | 13.5879% | 4,933 |
| Memoranda: | ||
| Average total assets | $297,122,000 | 2,214 |
| Average earning assets | $275,545,500 | 2,208 |
| Average equity | $30,792,000 | 2,305 |
| Average total loans | $235,115,000 | 1,836 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 1,247 |
| Cost of funding earning assets | 0.6364% | 1,504 |
| Net interest margin | 4.0870% | 1,621 |
| Noninterest income to average assets | 0.3444% | 4,639 |
| Noninterest expense to average assets | 2.8317% | 3,374 |
| Loan and lease loss provision to assets | 0.3125% | 648 |
| Net operating income to assets | 0.6596% | 4,090 |
| Return on assets (ROA) | 0.6604% | 4,185 |
| Pretax return on assets | 0.9763% | 3,589 |
| Return on Equity (ROE) | 6.4042% | 3,954 |
| Retained earnings to average equity (ytd only) | 4.8857% | 2,689 |
| Net charge-offs to loans | 1.0375% | 283 |
| Credit loss provision to net charge-offs | 38.6266% | 3,702 |
| Earnings coverage of net charge-offs (x) | 1.5918% | 4,386 |
| Efficiency ratio | 68.5124% | 3,805 |
| Assets per employee ($millions) | 4.0595% | 3,811 |
| Cash dividends to net income (ytd only)* | 23.7119% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 4,478 |
| Loan loss allowance to noncurrent loans | 61.9264% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 2.7114% | 815 |
| Noncurrent loans to loans | 1.7971% | 1,602 |
| Net loans and leases to total assets | 77.6913% | 1,039 |
| Net loans and leases to deposits | 98.2353% | 743 |
| Net loans and leases to core deposits | 110.5082% | 753 |
| Total domestic deposits to total assets | 79.0869% | 5,234 |
| Equity capital to assets | 10.3393% | 3,677 |
| Core capital (leverage) ratio | 10.2678% | 3,217 |
| Tier 1 risk-based capital ratio | 12.4840% | 5,043 |
| Total risk-based capital ratio | 13.5447% | 5,075 |
| Memoranda: | ||
| Average total assets | $288,026,600 | 2,226 |
| Average earning assets | $266,035,600 | 2,231 |
| Average equity | $29,699,200 | 2,287 |
| Average total loans | $224,577,600 | 1,867 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 1,343 |
| Cost of funding earning assets | 0.6242% | 1,646 |
| Net interest margin | 4.0617% | 1,690 |
| Noninterest income to average assets | 0.3189% | 4,881 |
| Noninterest expense to average assets | 2.8294% | 3,355 |
| Loan and lease loss provision to assets | 0.2821% | 723 |
| Net operating income to assets | 0.6542% | 4,195 |
| Return on assets (ROA) | 0.6551% | 4,291 |
| Pretax return on assets | 0.9591% | 3,762 |
| Return on Equity (ROE) | 6.3579% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.3170% | 3,580 |
| Net charge-offs to loans | 0.9186% | 352 |
| Credit loss provision to net charge-offs | 39.4651% | 3,297 |
| Earnings coverage of net charge-offs (x) | 1.7345% | 4,088 |
| Efficiency ratio | 69.3022% | 3,627 |
| Assets per employee ($millions) | 3.8661% | 4,154 |
| Cash dividends to net income (ytd only)* | 32.0997% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 3,522 |
| Loan loss allowance to noncurrent loans | 52.2554% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 2.9545% | 808 |
| Noncurrent loans to loans | 2.5352% | 1,151 |
| Net loans and leases to total assets | 78.4088% | 913 |
| Net loans and leases to deposits | 97.9445% | 742 |
| Net loans and leases to core deposits | 112.2063% | 652 |
| Total domestic deposits to total assets | 80.0543% | 5,084 |
| Equity capital to assets | 10.2344% | 3,883 |
| Core capital (leverage) ratio | 10.3681% | 3,190 |
| Tier 1 risk-based capital ratio | 12.3081% | 5,291 |
| Total risk-based capital ratio | 13.5585% | 5,219 |
| Memoranda: | ||
| Average total assets | $285,946,750 | 2,250 |
| Average earning assets | $264,021,750 | 2,257 |
| Average equity | $29,464,000 | 2,315 |
| Average total loans | $222,515,500 | 1,892 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 1,311 |
| Cost of funding earning assets | 0.6290% | 1,653 |
| Net interest margin | 4.0562% | 1,644 |
| Noninterest income to average assets | 0.2301% | 5,555 |
| Noninterest expense to average assets | 2.8201% | 3,426 |
| Loan and lease loss provision to assets | 0.2139% | 1,100 |
| Net operating income to assets | 0.6458% | 4,122 |
| Return on assets (ROA) | 0.6473% | 4,218 |
| Pretax return on assets | 0.9311% | 3,755 |
| Return on Equity (ROE) | 6.2676% | 4,014 |
| Retained earnings to average equity (ytd only) | 3.3969% | 4,043 |
| Net charge-offs to loans | 1.3972% | 205 |
| Credit loss provision to net charge-offs | 19.8169% | 3,205 |
| Earnings coverage of net charge-offs (x) | 1.0589% | 3,897 |
| Efficiency ratio | 70.9298% | 3,511 |
| Assets per employee ($millions) | 3.8543% | 4,152 |
| Cash dividends to net income (ytd only)* | 45.8015% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 4,228 |
| Loan loss allowance to noncurrent loans | 42.9537% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 3.1113% | 815 |
| Noncurrent loans to loans | 2.8823% | 1,034 |
| Net loans and leases to total assets | 77.1316% | 1,033 |
| Net loans and leases to deposits | 92.4637% | 1,101 |
| Net loans and leases to core deposits | 105.4492% | 931 |
| Total domestic deposits to total assets | 83.4183% | 4,142 |
| Equity capital to assets | 10.2497% | 3,758 |
| Core capital (leverage) ratio | 10.2569% | 3,257 |
| Tier 1 risk-based capital ratio | 12.5149% | 5,221 |
| Total risk-based capital ratio | 13.6994% | 5,181 |
| Memoranda: | ||
| Average total assets | $283,321,330 | 2,269 |
| Average earning assets | $260,734,000 | 2,283 |
| Average equity | $29,261,670 | 2,315 |
| Average total loans | $218,862,000 | 1,912 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 1,136 |
| Cost of funding earning assets | 0.6244% | 1,778 |
| Net interest margin | 4.1314% | 1,387 |
| Noninterest income to average assets | 0.4364% | 3,893 |
| Noninterest expense to average assets | 2.8255% | 3,467 |
| Loan and lease loss provision to assets | 0.2168% | 1,052 |
| Net operating income to assets | 0.8429% | 2,937 |
| Return on assets (ROA) | 0.8429% | 3,012 |
| Pretax return on assets | 1.1881% | 2,536 |
| Return on Equity (ROE) | 8.1299% | 2,875 |
| Retained earnings to average equity (ytd only) | 2.3523% | 4,661 |
| Net charge-offs to loans | 0.0464% | 2,737 |
| Credit loss provision to net charge-offs | 608.0000% | 460 |
| Earnings coverage of net charge-offs (x) | 39.4000% | 884 |
| Efficiency ratio | 66.5543% | 4,438 |
| Assets per employee ($millions) | 3.6901% | 4,536 |
| Cash dividends to net income (ytd only)* | 71.0660% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9160% | 1,705 |
| Loan loss allowance to noncurrent loans | 111.4155% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 2.2948% | 1,429 |
| Noncurrent loans to loans | 1.7197% | 2,252 |
| Net loans and leases to total assets | 73.7748% | 1,307 |
| Net loans and leases to deposits | 88.4816% | 1,308 |
| Net loans and leases to core deposits | 101.0623% | 1,031 |
| Total domestic deposits to total assets | 83.3787% | 4,484 |
| Equity capital to assets | 10.1612% | 3,652 |
| Core capital (leverage) ratio | 10.6185% | 2,788 |
| Tier 1 risk-based capital ratio | 12.9454% | 5,036 |
| Total risk-based capital ratio | 14.2027% | 4,969 |
| Memoranda: | ||
| Average total assets | $280,446,500 | 2,298 |
| Average earning assets | $257,541,000 | 2,302 |
| Average equity | $29,078,000 | 2,318 |
| Average total loans | $215,413,000 | 1,930 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 1,072 |
| Cost of funding earning assets | 0.6953% | 1,850 |
| Net interest margin | 4.2189% | 1,299 |
| Noninterest income to average assets | 0.5719% | 3,264 |
| Noninterest expense to average assets | 2.8497% | 3,529 |
| Loan and lease loss provision to assets | 0.3345% | 960 |
| Net operating income to assets | 0.9009% | 2,773 |
| Return on assets (ROA) | 0.9009% | 2,859 |
| Pretax return on assets | 1.2724% | 2,259 |
| Return on Equity (ROE) | 8.7129% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.1880% | 994 |
| Net charge-offs to loans | 0.0134% | 5,185 |
| Credit loss provision to net charge-offs | 3,235.7143% | 69 |
| Earnings coverage of net charge-offs (x) | 155.4286% | 296 |
| Efficiency ratio | 63.7200% | 4,952 |
| Assets per employee ($millions) | 3.4565% | 4,986 |
| Cash dividends to net income (ytd only)* | 6.0246% | 4,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8761% | 1,837 |
| Loan loss allowance to noncurrent loans | 127.2066% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 2.4507% | 1,414 |
| Noncurrent loans to loans | 1.4748% | 2,682 |
| Net loans and leases to total assets | 77.0192% | 949 |
| Net loans and leases to deposits | 94.0021% | 879 |
| Net loans and leases to core deposits | 106.5756% | 764 |
| Total domestic deposits to total assets | 81.9335% | 4,900 |
| Equity capital to assets | 10.5869% | 3,062 |
| Core capital (leverage) ratio | 10.6641% | 2,712 |
| Tier 1 risk-based capital ratio | 13.0225% | 4,954 |
| Total risk-based capital ratio | 14.2795% | 4,902 |
| Memoranda: | ||
| Average total assets | $270,833,400 | 2,338 |
| Average earning assets | $249,376,600 | 2,331 |
| Average equity | $28,004,400 | 2,380 |
| Average total loans | $208,819,800 | 1,937 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 1,054 |
| Cost of funding earning assets | 0.7062% | 1,909 |
| Net interest margin | 4.2312% | 1,241 |
| Noninterest income to average assets | 0.5417% | 3,513 |
| Noninterest expense to average assets | 2.7941% | 3,681 |
| Loan and lease loss provision to assets | 0.3724% | 839 |
| Net operating income to assets | 0.8761% | 2,960 |
| Return on assets (ROA) | 0.8761% | 3,074 |
| Pretax return on assets | 1.2767% | 2,422 |
| Return on Equity (ROE) | 8.5244% | 2,873 |
| Retained earnings to average equity (ytd only) | 7.8189% | 1,490 |
| Net charge-offs to loans | -0.0013% | 5,662 |
| Credit loss provision to net charge-offs | -37,750.0000% | 6,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6624% | 5,036 |
| Assets per employee ($millions) | 3.4470% | 4,960 |
| Cash dividends to net income (ytd only)* | 8.2772% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8683% | 2,090 |
| Loan loss allowance to noncurrent loans | 106.8786% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 2.3657% | 1,658 |
| Noncurrent loans to loans | 1.7481% | 2,571 |
| Net loans and leases to total assets | 75.2227% | 1,111 |
| Net loans and leases to deposits | 90.9887% | 1,065 |
| Net loans and leases to core deposits | 103.9179% | 883 |
| Total domestic deposits to total assets | 82.6726% | 4,695 |
| Equity capital to assets | 10.3645% | 3,432 |
| Core capital (leverage) ratio | 10.3814% | 3,131 |
| Tier 1 risk-based capital ratio | 12.9576% | 5,155 |
| Total risk-based capital ratio | 14.2141% | 5,093 |
| Memoranda: | ||
| Average total assets | $270,276,000 | 2,357 |
| Average earning assets | $249,219,000 | 2,342 |
| Average equity | $27,778,250 | 2,426 |
| Average total loans | $207,441,750 | 1,952 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 1,042 |
| Cost of funding earning assets | 0.7108% | 1,995 |
| Net interest margin | 4.2118% | 1,247 |
| Noninterest income to average assets | 0.5312% | 3,627 |
| Noninterest expense to average assets | 2.7730% | 3,769 |
| Loan and lease loss provision to assets | 0.4473% | 651 |
| Net operating income to assets | 0.8472% | 3,060 |
| Return on assets (ROA) | 0.8472% | 3,212 |
| Pretax return on assets | 1.1966% | 2,689 |
| Return on Equity (ROE) | 8.2665% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.2665% | 1,378 |
| Net charge-offs to loans | 0.0010% | 4,902 |
| Credit loss provision to net charge-offs | 60,300.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 2,216.0000% | 9 |
| Efficiency ratio | 62.5462% | 5,088 |
| Assets per employee ($millions) | 3.4876% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7579% | 2,572 |
| Loan loss allowance to noncurrent loans | 87.7049% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 2.4052% | 1,768 |
| Noncurrent loans to loans | 2.0044% | 2,398 |
| Net loans and leases to total assets | 77.9345% | 757 |
| Net loans and leases to deposits | 94.1319% | 802 |
| Net loans and leases to core deposits | 108.4646% | 631 |
| Total domestic deposits to total assets | 82.7929% | 4,783 |
| Equity capital to assets | 10.4083% | 3,415 |
| Core capital (leverage) ratio | 10.3689% | 3,021 |
| Tier 1 risk-based capital ratio | 12.6044% | 5,428 |
| Total risk-based capital ratio | 13.8601% | 5,362 |
| Memoranda: | ||
| Average total assets | $269,596,670 | 2,377 |
| Average earning assets | $248,728,000 | 2,359 |
| Average equity | $27,629,670 | 2,444 |
| Average total loans | $207,008,330 | 1,961 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8992% | 1,086 |
| Cost of funding earning assets | 0.7148% | 2,095 |
| Net interest margin | 4.1844% | 1,231 |
| Noninterest income to average assets | 0.6264% | 2,999 |
| Noninterest expense to average assets | 2.7232% | 3,971 |
| Loan and lease loss provision to assets | 0.4472% | 638 |
| Net operating income to assets | 0.9240% | 2,551 |
| Return on assets (ROA) | 0.9240% | 2,692 |
| Pretax return on assets | 1.3135% | 2,179 |
| Return on Equity (ROE) | 9.0866% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.0866% | 1,355 |
| Net charge-offs to loans | 0.0235% | 3,708 |
| Credit loss provision to net charge-offs | 2,516.6667% | 121 |
| Earnings coverage of net charge-offs (x) | 99.0833% | 383 |
| Efficiency ratio | 60.5020% | 5,519 |
| Assets per employee ($millions) | 3.5647% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 3,133 |
| Loan loss allowance to noncurrent loans | 79.4308% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.4180% | 1,922 |
| Noncurrent loans to loans | 2.1021% | 2,501 |
| Net loans and leases to total assets | 73.6552% | 1,127 |
| Net loans and leases to deposits | 88.4806% | 1,098 |
| Net loans and leases to core deposits | 101.1867% | 878 |
| Total domestic deposits to total assets | 83.2445% | 4,776 |
| Equity capital to assets | 10.1234% | 3,983 |
| Core capital (leverage) ratio | 10.2040% | 3,143 |
| Tier 1 risk-based capital ratio | 12.5736% | 5,535 |
| Total risk-based capital ratio | 13.8276% | 5,477 |
| Memoranda: | ||
| Average total assets | $270,122,000 | 2,392 |
| Average earning assets | $249,018,500 | 2,385 |
| Average equity | $27,469,000 | 2,488 |
| Average total loans | $203,995,000 | 1,994 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0681% | 1,382 |
| Cost of funding earning assets | 0.8693% | 2,145 |
| Net interest margin | 4.1989% | 1,666 |
| Noninterest income to average assets | 0.6488% | 2,996 |
| Noninterest expense to average assets | 2.8168% | 3,962 |
| Loan and lease loss provision to assets | 0.3040% | 2,247 |
| Net operating income to assets | 0.9328% | 2,632 |
| Return on assets (ROA) | 0.9328% | 2,881 |
| Pretax return on assets | 1.4082% | 2,016 |
| Return on Equity (ROE) | 9.3108% | 2,479 |
| Retained earnings to average equity (ytd only) | 5.9402% | 2,113 |
| Net charge-offs to loans | 0.5973% | 1,943 |
| Credit loss provision to net charge-offs | 67.0844% | 4,251 |
| Earnings coverage of net charge-offs (x) | 3.7786% | 3,607 |
| Efficiency ratio | 62.1197% | 5,219 |
| Assets per employee ($millions) | 3.4072% | 5,195 |
| Cash dividends to net income (ytd only)* | 36.2013% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 3,507 |
| Loan loss allowance to noncurrent loans | 90.3421% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 2.2076% | 2,219 |
| Noncurrent loans to loans | 1.7190% | 3,031 |
| Net loans and leases to total assets | 74.9707% | 1,056 |
| Net loans and leases to deposits | 88.8126% | 1,187 |
| Net loans and leases to core deposits | 100.2052% | 1,014 |
| Total domestic deposits to total assets | 84.4146% | 4,117 |
| Equity capital to assets | 10.2163% | 3,870 |
| Core capital (leverage) ratio | 9.7257% | 3,767 |
| Tier 1 risk-based capital ratio | 12.4291% | 5,522 |
| Total risk-based capital ratio | 13.6819% | 5,473 |
| Memoranda: | ||
| Average total assets | $264,161,400 | 2,397 |
| Average earning assets | $244,113,400 | 2,378 |
| Average equity | $26,463,800 | 2,525 |
| Average total loans | $200,416,000 | 2,005 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0596% | 1,535 |
| Cost of funding earning assets | 0.8925% | 2,223 |
| Net interest margin | 4.1671% | 1,841 |
| Noninterest income to average assets | 0.6551% | 2,969 |
| Noninterest expense to average assets | 2.7888% | 4,015 |
| Loan and lease loss provision to assets | 0.3306% | 1,984 |
| Net operating income to assets | 0.9246% | 2,855 |
| Return on assets (ROA) | 0.9246% | 3,079 |
| Pretax return on assets | 1.3947% | 2,256 |
| Return on Equity (ROE) | 9.2751% | 2,681 |
| Retained earnings to average equity (ytd only) | 6.8815% | 2,187 |
| Net charge-offs to loans | 0.6822% | 1,619 |
| Credit loss provision to net charge-offs | 63.9296% | 4,053 |
| Earnings coverage of net charge-offs (x) | 3.3363% | 3,684 |
| Efficiency ratio | 61.7581% | 5,192 |
| Assets per employee ($millions) | 3.5903% | 4,770 |
| Cash dividends to net income (ytd only)* | 25.8065% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 3,568 |
| Loan loss allowance to noncurrent loans | 85.0470% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 2.2998% | 2,313 |
| Noncurrent loans to loans | 1.8667% | 2,994 |
| Net loans and leases to total assets | 71.0354% | 1,715 |
| Net loans and leases to deposits | 85.0138% | 1,724 |
| Net loans and leases to core deposits | 96.1168% | 1,404 |
| Total domestic deposits to total assets | 83.5575% | 4,409 |
| Equity capital to assets | 9.7629% | 4,829 |
| Core capital (leverage) ratio | 9.8181% | 3,791 |
| Tier 1 risk-based capital ratio | 12.5653% | 5,591 |
| Total risk-based capital ratio | 13.8186% | 5,550 |
| Memoranda: | ||
| Average total assets | $263,761,500 | 2,425 |
| Average earning assets | $244,257,500 | 2,408 |
| Average equity | $26,292,000 | 2,557 |
| Average total loans | $199,923,500 | 2,024 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1604% | 1,351 |
| Cost of funding earning assets | 0.9219% | 2,246 |
| Net interest margin | 4.2384% | 1,641 |
| Noninterest income to average assets | 0.6373% | 3,020 |
| Noninterest expense to average assets | 2.8066% | 3,997 |
| Loan and lease loss provision to assets | 0.2720% | 2,407 |
| Net operating income to assets | 0.9818% | 2,538 |
| Return on assets (ROA) | 0.9818% | 2,776 |
| Pretax return on assets | 1.4842% | 1,899 |
| Return on Equity (ROE) | 9.7777% | 2,458 |
| Retained earnings to average equity (ytd only) | 6.9610% | 2,122 |
| Net charge-offs to loans | 0.5099% | 2,055 |
| Credit loss provision to net charge-offs | 69.2157% | 3,581 |
| Earnings coverage of net charge-offs (x) | 4.4686% | 3,072 |
| Efficiency ratio | 61.5099% | 5,330 |
| Assets per employee ($millions) | 3.6591% | 4,617 |
| Cash dividends to net income (ytd only)* | 28.8069% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 3,140 |
| Loan loss allowance to noncurrent loans | 81.9195% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 2.4740% | 2,256 |
| Noncurrent loans to loans | 2.1014% | 2,822 |
| Net loans and leases to total assets | 73.2431% | 1,360 |
| Net loans and leases to deposits | 88.7644% | 1,283 |
| Net loans and leases to core deposits | 102.8659% | 928 |
| Total domestic deposits to total assets | 82.5140% | 4,948 |
| Equity capital to assets | 10.0859% | 4,211 |
| Core capital (leverage) ratio | 10.1819% | 3,163 |
| Tier 1 risk-based capital ratio | 12.8256% | 5,317 |
| Total risk-based capital ratio | 14.0809% | 5,285 |
| Memoranda: | ||
| Average total assets | $259,530,330 | 2,466 |
| Average earning assets | $240,371,000 | 2,433 |
| Average equity | $26,059,330 | 2,564 |
| Average total loans | $200,048,330 | 2,025 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2901% | 1,119 |
| Cost of funding earning assets | 0.9714% | 2,146 |
| Net interest margin | 4.3186% | 1,411 |
| Noninterest income to average assets | 0.5948% | 3,266 |
| Noninterest expense to average assets | 2.7752% | 4,140 |
| Loan and lease loss provision to assets | 0.2361% | 2,580 |
| Net operating income to assets | 1.0405% | 2,324 |
| Return on assets (ROA) | 1.0405% | 2,512 |
| Pretax return on assets | 1.5809% | 1,633 |
| Return on Equity (ROE) | 10.3864% | 2,272 |
| Retained earnings to average equity (ytd only) | 4.6971% | 3,749 |
| Net charge-offs to loans | 0.2556% | 2,644 |
| Credit loss provision to net charge-offs | 117.8295% | 2,009 |
| Earnings coverage of net charge-offs (x) | 9.0698% | 1,885 |
| Efficiency ratio | 60.4329% | 5,555 |
| Assets per employee ($millions) | 3.5695% | 4,957 |
| Cash dividends to net income (ytd only)* | 54.7761% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 3,112 |
| Loan loss allowance to noncurrent loans | 81.2414% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 2.2377% | 2,658 |
| Noncurrent loans to loans | 2.1692% | 2,949 |
| Net loans and leases to total assets | 77.2180% | 674 |
| Net loans and leases to deposits | 93.9751% | 667 |
| Net loans and leases to core deposits | 117.2075% | 355 |
| Total domestic deposits to total assets | 82.1686% | 5,235 |
| Equity capital to assets | 10.1007% | 4,003 |
| Core capital (leverage) ratio | 9.9110% | 3,484 |
| Tier 1 risk-based capital ratio | 12.6087% | 5,513 |
| Total risk-based capital ratio | 13.8650% | 5,481 |
| Memoranda: | ||
| Average total assets | $257,567,000 | 2,496 |
| Average earning assets | $238,409,500 | 2,461 |
| Average equity | $25,803,000 | 2,587 |
| Average total loans | $201,900,500 | 2,020 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4123% | 1,387 |
| Cost of funding earning assets | 1.1265% | 2,491 |
| Net interest margin | 4.2859% | 1,745 |
| Noninterest income to average assets | 0.4492% | 4,219 |
| Noninterest expense to average assets | 2.7754% | 4,445 |
| Loan and lease loss provision to assets | 0.4112% | 2,537 |
| Net operating income to assets | 0.8043% | 3,019 |
| Return on assets (ROA) | 0.8046% | 3,181 |
| Pretax return on assets | 1.2150% | 2,402 |
| Return on Equity (ROE) | 8.4306% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.1691% | 1,026 |
| Net charge-offs to loans | 0.1439% | 4,995 |
| Credit loss provision to net charge-offs | 360.4167% | 646 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 1,474 |
| Efficiency ratio | 63.0603% | 5,285 |
| Assets per employee ($millions) | 3.5852% | 4,813 |
| Cash dividends to net income (ytd only)* | 3.1019% | 4,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 3,013 |
| Loan loss allowance to noncurrent loans | 78.4257% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 2.5576% | 2,372 |
| Noncurrent loans to loans | 2.2350% | 2,917 |
| Net loans and leases to total assets | 76.8027% | 851 |
| Net loans and leases to deposits | 94.8838% | 748 |
| Net loans and leases to core deposits | 113.7887% | 509 |
| Total domestic deposits to total assets | 80.9439% | 5,465 |
| Equity capital to assets | 9.9356% | 4,244 |
| Core capital (leverage) ratio | 9.9730% | 3,373 |
| Tier 1 risk-based capital ratio | 12.3303% | 5,595 |
| Total risk-based capital ratio | 13.5863% | 5,562 |
| Memoranda: | ||
| Average total assets | $252,427,600 | 2,496 |
| Average earning assets | $232,764,400 | 2,478 |
| Average equity | $24,090,800 | 2,660 |
| Average total loans | $200,178,000 | 2,044 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4482% | 1,395 |
| Cost of funding earning assets | 1.1526% | 2,621 |
| Net interest margin | 4.2956% | 1,732 |
| Noninterest income to average assets | 0.3740% | 4,876 |
| Noninterest expense to average assets | 2.8467% | 4,157 |
| Loan and lease loss provision to assets | 0.4712% | 2,104 |
| Net operating income to assets | 0.6789% | 3,723 |
| Return on assets (ROA) | 0.6789% | 3,899 |
| Pretax return on assets | 1.0156% | 3,350 |
| Return on Equity (ROE) | 7.1892% | 3,433 |
| Retained earnings to average equity (ytd only) | 6.8348% | 2,056 |
| Net charge-offs to loans | 0.1155% | 4,862 |
| Credit loss provision to net charge-offs | 512.7168% | 535 |
| Earnings coverage of net charge-offs (x) | 16.1793% | 1,413 |
| Efficiency ratio | 65.6901% | 4,774 |
| Assets per employee ($millions) | 3.5692% | 4,829 |
| Cash dividends to net income (ytd only)* | 4.9297% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 3,158 |
| Loan loss allowance to noncurrent loans | 75.6482% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 2.6988% | 2,404 |
| Noncurrent loans to loans | 2.2893% | 3,010 |
| Net loans and leases to total assets | 78.3947% | 671 |
| Net loans and leases to deposits | 97.0280% | 637 |
| Net loans and leases to core deposits | 115.1953% | 522 |
| Total domestic deposits to total assets | 80.7959% | 5,498 |
| Equity capital to assets | 9.8481% | 4,556 |
| Core capital (leverage) ratio | 9.7978% | 3,710 |
| Tier 1 risk-based capital ratio | 11.8741% | 5,982 |
| Total risk-based capital ratio | 13.1295% | 5,956 |
| Memoranda: | ||
| Average total assets | $251,001,250 | 2,518 |
| Average earning assets | $231,362,750 | 2,495 |
| Average equity | $23,701,750 | 2,701 |
| Average total loans | $199,775,000 | 2,065 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4266% | 1,485 |
| Cost of funding earning assets | 1.1718% | 2,765 |
| Net interest margin | 4.2548% | 1,823 |
| Noninterest income to average assets | 0.3741% | 4,884 |
| Noninterest expense to average assets | 2.8641% | 4,168 |
| Loan and lease loss provision to assets | 0.5076% | 1,928 |
| Net operating income to assets | 0.6187% | 3,966 |
| Return on assets (ROA) | 0.6187% | 4,097 |
| Pretax return on assets | 0.9177% | 3,553 |
| Return on Equity (ROE) | 6.6484% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.6484% | 2,053 |
| Net charge-offs to loans | 0.0754% | 4,890 |
| Credit loss provision to net charge-offs | 846.6667% | 386 |
| Earnings coverage of net charge-offs (x) | 23.7733% | 1,084 |
| Efficiency ratio | 66.7723% | 4,728 |
| Assets per employee ($millions) | 3.5282% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 3,276 |
| Loan loss allowance to noncurrent loans | 87.1388% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 2.5093% | 2,657 |
| Noncurrent loans to loans | 1.9683% | 3,522 |
| Net loans and leases to total assets | 76.5640% | 989 |
| Net loans and leases to deposits | 96.1808% | 713 |
| Net loans and leases to core deposits | 114.1262% | 571 |
| Total domestic deposits to total assets | 79.6043% | 5,927 |
| Equity capital to assets | 9.7456% | 4,468 |
| Core capital (leverage) ratio | 9.6250% | 3,774 |
| Tier 1 risk-based capital ratio | 11.8991% | 5,861 |
| Total risk-based capital ratio | 13.1540% | 5,834 |
| Memoranda: | ||
| Average total assets | $250,198,330 | 2,547 |
| Average earning assets | $230,236,330 | 2,523 |
| Average equity | $23,283,670 | 2,731 |
| Average total loans | $198,979,670 | 2,092 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 1,438 |
| Cost of funding earning assets | 1.1780% | 2,962 |
| Net interest margin | 4.2681% | 1,671 |
| Noninterest income to average assets | 0.4639% | 4,159 |
| Noninterest expense to average assets | 2.9803% | 3,728 |
| Loan and lease loss provision to assets | 0.5311% | 1,634 |
| Net operating income to assets | 0.5967% | 4,051 |
| Return on assets (ROA) | 0.5967% | 4,121 |
| Pretax return on assets | 0.8766% | 3,588 |
| Return on Equity (ROE) | 6.5672% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.5672% | 2,339 |
| Net charge-offs to loans | -0.0338% | 6,749 |
| Credit loss provision to net charge-offs | -1,952.9412% | 6,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9183% | 4,671 |
| Assets per employee ($millions) | 3.5126% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 3,851 |
| Loan loss allowance to noncurrent loans | 72.3080% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 2.6852% | 2,558 |
| Noncurrent loans to loans | 2.1770% | 3,345 |
| Net loans and leases to total assets | 77.5298% | 801 |
| Net loans and leases to deposits | 97.9244% | 576 |
| Net loans and leases to core deposits | 116.1674% | 525 |
| Total domestic deposits to total assets | 79.1731% | 6,148 |
| Equity capital to assets | 9.4655% | 4,484 |
| Core capital (leverage) ratio | 9.6273% | 3,625 |
| Tier 1 risk-based capital ratio | 11.4839% | 6,117 |
| Total risk-based capital ratio | 12.7375% | 6,093 |
| Memoranda: | ||
| Average total assets | $250,045,500 | 2,570 |
| Average earning assets | $229,890,000 | 2,547 |
| Average equity | $22,719,000 | 2,777 |
| Average total loans | $200,898,000 | 2,102 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6759% | 1,659 |
| Cost of funding earning assets | 1.4102% | 3,199 |
| Net interest margin | 4.2657% | 1,935 |
| Noninterest income to average assets | 0.4480% | 4,527 |
| Noninterest expense to average assets | 2.9812% | 3,920 |
| Loan and lease loss provision to assets | 0.6664% | 2,481 |
| Net operating income to assets | 0.4933% | 4,131 |
| Return on assets (ROA) | 0.4933% | 4,288 |
| Pretax return on assets | 0.7104% | 3,940 |
| Return on Equity (ROE) | 5.6344% | 3,771 |
| Retained earnings to average equity (ytd only) | 4.9930% | 2,412 |
| Net charge-offs to loans | 0.5739% | 3,329 |
| Credit loss provision to net charge-offs | 139.7188% | 2,714 |
| Earnings coverage of net charge-offs (x) | 2.8866% | 3,625 |
| Efficiency ratio | 68.4074% | 4,474 |
| Assets per employee ($millions) | 3.5312% | 4,868 |
| Cash dividends to net income (ytd only)* | 11.3849% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 4,633 |
| Loan loss allowance to noncurrent loans | 59.7172% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 2.8566% | 2,451 |
| Noncurrent loans to loans | 2.3038% | 3,218 |
| Net loans and leases to total assets | 80.8284% | 561 |
| Net loans and leases to deposits | 103.2703% | 431 |
| Net loans and leases to core deposits | 125.0659% | 409 |
| Total domestic deposits to total assets | 78.2687% | 6,262 |
| Equity capital to assets | 8.6976% | 5,589 |
| Core capital (leverage) ratio | 8.7170% | 4,989 |
| Tier 1 risk-based capital ratio | 9.9742% | 6,994 |
| Total risk-based capital ratio | 11.2247% | 6,977 |
| Memoranda: | ||
| Average total assets | $238,592,200 | 2,650 |
| Average earning assets | $218,695,600 | 2,649 |
| Average equity | $20,889,400 | 3,022 |
| Average total loans | $198,284,600 | 2,171 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7102% | 1,683 |
| Cost of funding earning assets | 1.4537% | 3,253 |
| Net interest margin | 4.2566% | 2,007 |
| Noninterest income to average assets | 0.3637% | 5,247 |
| Noninterest expense to average assets | 3.0992% | 3,345 |
| Loan and lease loss provision to assets | 0.7962% | 1,906 |
| Net operating income to assets | 0.2819% | 5,235 |
| Return on assets (ROA) | 0.2819% | 5,396 |
| Pretax return on assets | 0.3733% | 5,302 |
| Return on Equity (ROE) | 3.2148% | 5,136 |
| Retained earnings to average equity (ytd only) | 2.3532% | 4,757 |
| Net charge-offs to loans | 0.6882% | 2,704 |
| Credit loss provision to net charge-offs | 138.7033% | 2,878 |
| Earnings coverage of net charge-offs (x) | 2.0373% | 4,197 |
| Efficiency ratio | 72.6024% | 3,592 |
| Assets per employee ($millions) | 3.3999% | 5,207 |
| Cash dividends to net income (ytd only)* | 26.7997% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 4,575 |
| Loan loss allowance to noncurrent loans | 58.1257% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.8614% | 2,536 |
| Noncurrent loans to loans | 2.3743% | 3,266 |
| Net loans and leases to total assets | 81.9423% | 501 |
| Net loans and leases to deposits | 104.3128% | 416 |
| Net loans and leases to core deposits | 126.0404% | 450 |
| Total domestic deposits to total assets | 78.5543% | 6,133 |
| Equity capital to assets | 8.8196% | 5,827 |
| Core capital (leverage) ratio | 8.5681% | 5,390 |
| Tier 1 risk-based capital ratio | 9.9428% | 7,095 |
| Total risk-based capital ratio | 11.1937% | 7,084 |
| Memoranda: | ||
| Average total assets | $236,444,500 | 2,711 |
| Average earning assets | $216,914,750 | 2,704 |
| Average equity | $20,737,000 | 3,080 |
| Average total loans | $197,210,500 | 2,218 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7315% | 1,646 |
| Cost of funding earning assets | 1.4821% | 3,357 |
| Net interest margin | 4.2494% | 1,966 |
| Noninterest income to average assets | 0.5468% | 3,740 |
| Noninterest expense to average assets | 3.0340% | 3,577 |
| Loan and lease loss provision to assets | 1.1470% | 1,254 |
| Net operating income to assets | 0.2009% | 5,554 |
| Return on assets (ROA) | 0.2009% | 5,689 |
| Pretax return on assets | 0.2594% | 5,628 |
| Return on Equity (ROE) | 2.2951% | 5,543 |
| Retained earnings to average equity (ytd only) | 0.9974% | 5,370 |
| Net charge-offs to loans | 0.8953% | 2,045 |
| Credit loss provision to net charge-offs | 153.4014% | 2,564 |
| Earnings coverage of net charge-offs (x) | 1.8810% | 4,113 |
| Efficiency ratio | 68.3276% | 4,513 |
| Assets per employee ($millions) | 3.3193% | 5,388 |
| Cash dividends to net income (ytd only)* | 56.5401% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 4,298 |
| Loan loss allowance to noncurrent loans | 55.3561% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 3.0353% | 2,344 |
| Noncurrent loans to loans | 2.5792% | 3,058 |
| Net loans and leases to total assets | 81.0626% | 663 |
| Net loans and leases to deposits | 102.8941% | 539 |
| Net loans and leases to core deposits | 128.1149% | 462 |
| Total domestic deposits to total assets | 78.7825% | 6,090 |
| Equity capital to assets | 8.6381% | 5,962 |
| Core capital (leverage) ratio | 8.5686% | 5,299 |
| Tier 1 risk-based capital ratio | 9.6675% | 7,196 |
| Total risk-based capital ratio | 10.9185% | 7,189 |
| Memoranda: | ||
| Average total assets | $235,928,670 | 2,740 |
| Average earning assets | $216,173,330 | 2,730 |
| Average equity | $20,652,670 | 3,086 |
| Average total loans | $197,032,330 | 2,245 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7498% | 1,616 |
| Cost of funding earning assets | 1.5378% | 3,346 |
| Net interest margin | 4.2121% | 1,991 |
| Noninterest income to average assets | 0.5478% | 3,663 |
| Noninterest expense to average assets | 3.1382% | 3,112 |
| Loan and lease loss provision to assets | 0.2577% | 3,977 |
| Net operating income to assets | 0.6775% | 3,538 |
| Return on assets (ROA) | 0.6775% | 3,655 |
| Pretax return on assets | 1.0034% | 3,086 |
| Return on Equity (ROE) | 7.6875% | 3,027 |
| Retained earnings to average equity (ytd only) | 5.0927% | 3,107 |
| Net charge-offs to loans | 0.1926% | 3,764 |
| Credit loss provision to net charge-offs | 158.9474% | 2,264 |
| Earnings coverage of net charge-offs (x) | 7.7789% | 2,041 |
| Efficiency ratio | 71.3344% | 4,062 |
| Assets per employee ($millions) | 3.2301% | 5,699 |
| Cash dividends to net income (ytd only)* | 33.7531% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 5,439 |
| Loan loss allowance to noncurrent loans | 42.6051% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 3.4678% | 2,036 |
| Noncurrent loans to loans | 2.8465% | 2,825 |
| Net loans and leases to total assets | 82.5969% | 523 |
| Net loans and leases to deposits | 105.4980% | 451 |
| Net loans and leases to core deposits | 131.7350% | 444 |
| Total domestic deposits to total assets | 78.2923% | 6,245 |
| Equity capital to assets | 8.8288% | 5,492 |
| Core capital (leverage) ratio | 8.7376% | 4,959 |
| Tier 1 risk-based capital ratio | 9.8044% | 7,154 |
| Total risk-based capital ratio | 10.9484% | 7,201 |
| Memoranda: | ||
| Average total assets | $234,399,500 | 2,820 |
| Average earning assets | $214,337,000 | 2,811 |
| Average equity | $20,657,000 | 3,109 |
| Average total loans | $197,281,000 | 2,299 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9667% | 2,004 |
| Cost of funding earning assets | 1.8762% | 3,592 |
| Net interest margin | 4.0905% | 2,497 |
| Noninterest income to average assets | 0.6111% | 3,541 |
| Noninterest expense to average assets | 3.2012% | 3,376 |
| Loan and lease loss provision to assets | 0.4364% | 4,211 |
| Net operating income to assets | 0.4841% | 3,797 |
| Return on assets (ROA) | 0.4983% | 3,836 |
| Pretax return on assets | 0.7319% | 3,467 |
| Return on Equity (ROE) | 5.5805% | 3,385 |
| Retained earnings to average equity (ytd only) | 3.9034% | 2,481 |
| Net charge-offs to loans | 0.2633% | 4,974 |
| Credit loss provision to net charge-offs | 198.9837% | 1,971 |
| Earnings coverage of net charge-offs (x) | 5.2317% | 2,652 |
| Efficiency ratio | 73.6162% | 3,973 |
| Assets per employee ($millions) | 3.2361% | 5,637 |
| Cash dividends to net income (ytd only)* | 30.0537% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 5,456 |
| Loan loss allowance to noncurrent loans | 44.9298% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 3.4845% | 1,935 |
| Noncurrent loans to loans | 2.6326% | 2,923 |
| Net loans and leases to total assets | 83.7225% | 462 |
| Net loans and leases to deposits | 109.1652% | 408 |
| Net loans and leases to core deposits | 139.4349% | 832 |
| Total domestic deposits to total assets | 76.6933% | 6,551 |
| Equity capital to assets | 8.7965% | 5,445 |
| Core capital (leverage) ratio | 8.6873% | 4,940 |
| Tier 1 risk-based capital ratio | 9.4772% | 7,246 |
| Total risk-based capital ratio | 10.5711% | 7,305 |
| Memoranda: | ||
| Average total assets | $224,351,800 | 2,884 |
| Average earning assets | $204,988,200 | 2,905 |
| Average equity | $20,034,000 | 3,193 |
| Average total loans | $186,863,600 | 2,439 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0180% | 1,959 |
| Cost of funding earning assets | 1.9308% | 3,713 |
| Net interest margin | 4.0872% | 2,456 |
| Noninterest income to average assets | 0.5941% | 3,758 |
| Noninterest expense to average assets | 3.2968% | 2,935 |
| Loan and lease loss provision to assets | 0.2970% | 4,589 |
| Net operating income to assets | 0.5011% | 3,978 |
| Return on assets (ROA) | 0.5011% | 4,070 |
| Pretax return on assets | 0.7387% | 3,740 |
| Return on Equity (ROE) | 5.5893% | 3,702 |
| Retained earnings to average equity (ytd only) | 3.3402% | 3,434 |
| Net charge-offs to loans | 0.3394% | 3,942 |
| Credit loss provision to net charge-offs | 105.5437% | 4,817 |
| Earnings coverage of net charge-offs (x) | 3.6802% | 3,424 |
| Efficiency ratio | 76.0942% | 3,496 |
| Assets per employee ($millions) | 3.0754% | 5,974 |
| Cash dividends to net income (ytd only)* | 40.2395% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 6,382 |
| Loan loss allowance to noncurrent loans | 273.1778% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 1.6813% | 3,855 |
| Noncurrent loans to loans | 0.3607% | 6,627 |
| Net loans and leases to total assets | 81.6476% | 873 |
| Net loans and leases to deposits | 104.5477% | 733 |
| Net loans and leases to core deposits | 132.7679% | 1,289 |
| Total domestic deposits to total assets | 78.0960% | 6,059 |
| Equity capital to assets | 8.8031% | 5,788 |
| Core capital (leverage) ratio | 8.8342% | 4,921 |
| Tier 1 risk-based capital ratio | 9.4439% | 7,409 |
| Total risk-based capital ratio | 10.3312% | 7,596 |
| Memoranda: | ||
| Average total assets | $222,189,250 | 2,928 |
| Average earning assets | $203,231,250 | 2,943 |
| Average equity | $19,918,500 | 3,248 |
| Average total loans | $184,227,000 | 2,488 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0296% | 2,057 |
| Cost of funding earning assets | 2.0035% | 3,762 |
| Net interest margin | 4.0260% | 2,596 |
| Noninterest income to average assets | 0.6054% | 3,646 |
| Noninterest expense to average assets | 3.3123% | 2,907 |
| Loan and lease loss provision to assets | 0.3410% | 3,889 |
| Net operating income to assets | 0.4458% | 4,307 |
| Return on assets (ROA) | 0.4458% | 4,412 |
| Pretax return on assets | 0.6346% | 4,222 |
| Return on Equity (ROE) | 4.9420% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.0016% | 3,652 |
| Net charge-offs to loans | 0.2908% | 3,740 |
| Credit loss provision to net charge-offs | 141.1321% | 3,302 |
| Earnings coverage of net charge-offs (x) | 4.0377% | 3,236 |
| Efficiency ratio | 77.2486% | 3,465 |
| Assets per employee ($millions) | 2.9449% | 6,282 |
| Cash dividends to net income (ytd only)* | 39.2638% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 5,927 |
| Loan loss allowance to noncurrent loans | 132.1404% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 1.8725% | 3,370 |
| Noncurrent loans to loans | 0.7924% | 5,647 |
| Net loans and leases to total assets | 82.6288% | 843 |
| Net loans and leases to deposits | 104.7791% | 844 |
| Net loans and leases to core deposits | 132.1108% | 1,429 |
| Total domestic deposits to total assets | 78.8600% | 5,849 |
| Equity capital to assets | 8.9213% | 5,421 |
| Core capital (leverage) ratio | 8.9372% | 4,732 |
| Tier 1 risk-based capital ratio | 9.2876% | 7,551 |
| Total risk-based capital ratio | 10.2082% | 7,742 |
| Memoranda: | ||
| Average total assets | $219,366,670 | 2,986 |
| Average earning assets | $200,644,670 | 2,992 |
| Average equity | $19,789,670 | 3,277 |
| Average total loans | $182,236,000 | 2,543 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0251% | 2,255 |
| Cost of funding earning assets | 2.0980% | 3,660 |
| Net interest margin | 3.9271% | 2,946 |
| Noninterest income to average assets | 0.6061% | 3,504 |
| Noninterest expense to average assets | 3.3066% | 2,638 |
| Loan and lease loss provision to assets | 0.2818% | 3,705 |
| Net operating income to assets | 0.4403% | 4,697 |
| Return on assets (ROA) | 0.4403% | 4,868 |
| Pretax return on assets | 0.6208% | 4,690 |
| Return on Equity (ROE) | 4.8525% | 4,529 |
| Retained earnings to average equity (ytd only) | 0.9543% | 5,268 |
| Net charge-offs to loans | 0.5736% | 2,030 |
| Credit loss provision to net charge-offs | 59.3023% | 4,530 |
| Earnings coverage of net charge-offs (x) | 1.8992% | 3,768 |
| Efficiency ratio | 78.5558% | 3,073 |
| Assets per employee ($millions) | 3.0041% | 6,141 |
| Cash dividends to net income (ytd only)* | 80.3347% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 6,468 |
| Loan loss allowance to noncurrent loans | 41.0118% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 2.4597% | 2,330 |
| Noncurrent loans to loans | 2.3269% | 2,827 |
| Net loans and leases to total assets | 81.3774% | 1,123 |
| Net loans and leases to deposits | 102.1693% | 1,163 |
| Net loans and leases to core deposits | 127.0979% | 1,843 |
| Total domestic deposits to total assets | 79.6496% | 5,485 |
| Equity capital to assets | 8.8891% | 5,499 |
| Core capital (leverage) ratio | 8.9727% | 4,753 |
| Tier 1 risk-based capital ratio | 9.3105% | 7,575 |
| Total risk-based capital ratio | 10.1429% | 7,890 |
| Memoranda: | ||
| Average total assets | $217,143,500 | 3,033 |
| Average earning assets | $199,233,500 | 3,025 |
| Average equity | $19,701,000 | 3,303 |
| Average total loans | $179,908,500 | 2,600 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0261% | 1,059 |
| Cost of funding earning assets | 2.6772% | 3,280 |
| Net interest margin | 4.3489% | 1,829 |
| Noninterest income to average assets | 0.7801% | 2,620 |
| Noninterest expense to average assets | 3.5209% | 2,338 |
| Loan and lease loss provision to assets | 0.0644% | 6,587 |
| Net operating income to assets | 0.7686% | 3,575 |
| Return on assets (ROA) | 0.7686% | 3,419 |
| Pretax return on assets | 1.1327% | 2,905 |
| Return on Equity (ROE) | 8.1351% | 3,016 |
| Retained earnings to average equity (ytd only) | 6.7660% | 1,234 |
| Net charge-offs to loans | 0.2456% | 3,816 |
| Credit loss provision to net charge-offs | 32.3308% | 6,508 |
| Earnings coverage of net charge-offs (x) | 6.0075% | 3,465 |
| Efficiency ratio | 74.6269% | 3,473 |
| Assets per employee ($millions) | 2.7892% | 6,580 |
| Cash dividends to net income (ytd only)* | 16.8291% | 4,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 5,688 |
| Loan loss allowance to noncurrent loans | 164.5592% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 1.0416% | 4,216 |
| Noncurrent loans to loans | 0.6339% | 5,470 |
| Net loans and leases to total assets | 82.7051% | 1,099 |
| Net loans and leases to deposits | 101.7717% | 1,607 |
| Net loans and leases to core deposits | 125.4445% | 2,211 |
| Total domestic deposits to total assets | 81.2654% | 4,526 |
| Equity capital to assets | 9.2654% | 4,982 |
| Core capital (leverage) ratio | 9.3726% | 4,204 |
| Tier 1 risk-based capital ratio | 9.5550% | 7,247 |
| Total risk-based capital ratio | 10.4630% | 7,550 |
| Memoranda: | ||
| Average total assets | $200,234,000 | 3,138 |
| Average earning assets | $181,308,600 | 3,170 |
| Average equity | $18,918,000 | 3,410 |
| Average total loans | $162,486,600 | 2,740 |