Home > Legend Bank, N.A. > Performance and Condition Ratios
Legend Bank, N.A., 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 | 6.1684% | 1,076 |
| Cost of funding earning assets | 1.7280% | 2,896 |
| Net interest margin | 4.4404% | 698 |
| Noninterest income to average assets | 0.6400% | 1,366 |
| Noninterest expense to average assets | 3.0202% | 1,115 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 1.5385% | 851 |
| Return on assets (ROA) | 1.5404% | 844 |
| Pretax return on assets | 1.5404% | 1,210 |
| Return on Equity (ROE) | 18.6000% | 511 |
| Retained earnings to average equity (ytd only) | 9.5605% | 671 |
| Net charge-offs to loans | 0.0377% | 1,828 |
| Credit loss provision to net charge-offs | 652.9617% | 522 |
| Earnings coverage of net charge-offs (x) | 65.5645% | 1,054 |
| Efficiency ratio | 63.4984% | 2,770 |
| Assets per employee ($millions) | 5.8370% | 2,999 |
| Cash dividends to net income (ytd only)* | 48.5981% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 1,715 |
| Loan loss allowance to noncurrent loans | 99.0606% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9259% | 749 |
| Noncurrent loans to loans | 1.3036% | 768 |
| Net loans and leases to total assets | 70.1100% | 1,880 |
| Net loans and leases to deposits | 77.2409% | 2,346 |
| Net loans and leases to core deposits | 91.4446% | 2,013 |
| Total domestic deposits to total assets | 90.7700% | 585 |
| Equity capital to assets | 8.0553% | 3,470 |
| Core capital (leverage) ratio | 9.7450% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7990% | 1,941 |
| Memoranda: | ||
| Average total assets | $1,104,431,400 | 937 |
| Average earning assets | $1,016,456,200 | 932 |
| Average equity | $91,470,000 | 1,090 |
| Average total loans | $762,145,200 | 940 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1034% | 1,129 |
| Cost of funding earning assets | 1.7041% | 2,947 |
| Net interest margin | 4.3992% | 716 |
| Noninterest income to average assets | 0.6500% | 1,305 |
| Noninterest expense to average assets | 3.0157% | 1,093 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 1.5472% | 882 |
| Return on assets (ROA) | 1.5497% | 877 |
| Pretax return on assets | 1.5497% | 1,237 |
| Return on Equity (ROE) | 18.5800% | 523 |
| Retained earnings to average equity (ytd only) | 10.8950% | 671 |
| Net charge-offs to loans | 0.0373% | 1,592 |
| Credit loss provision to net charge-offs | 511.9048% | 616 |
| Earnings coverage of net charge-offs (x) | 65.6810% | 1,037 |
| Efficiency ratio | 63.8095% | 2,733 |
| Assets per employee ($millions) | 5.6707% | 3,139 |
| Cash dividends to net income (ytd only)* | 41.3612% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 1,817 |
| Loan loss allowance to noncurrent loans | 96.1988% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9043% | 754 |
| Noncurrent loans to loans | 1.3279% | 743 |
| Net loans and leases to total assets | 67.2300% | 2,178 |
| Net loans and leases to deposits | 74.8998% | 2,617 |
| Net loans and leases to core deposits | 83.8066% | 2,581 |
| Total domestic deposits to total assets | 89.7600% | 661 |
| Equity capital to assets | 8.9263% | 3,090 |
| Core capital (leverage) ratio | 9.8707% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0679% | 1,868 |
| Memoranda: | ||
| Average total assets | $1,095,986,500 | 933 |
| Average earning assets | $1,008,419,500 | 929 |
| Average equity | $91,416,000 | 1,084 |
| Average total loans | $750,567,750 | 947 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1379% | 988 |
| Cost of funding earning assets | 1.6803% | 2,902 |
| Net interest margin | 4.4576% | 658 |
| Noninterest income to average assets | 0.6400% | 1,304 |
| Noninterest expense to average assets | 3.0676% | 1,020 |
| Loan and lease loss provision to assets | 0.1500% | 771 |
| Net operating income to assets | 1.5257% | 881 |
| Return on assets (ROA) | 1.5296% | 877 |
| Pretax return on assets | 1.5296% | 1,231 |
| Return on Equity (ROE) | 18.7900% | 535 |
| Retained earnings to average equity (ytd only) | 11.1880% | 666 |
| Net charge-offs to loans | 0.0391% | 1,414 |
| Credit loss provision to net charge-offs | 547.9452% | 593 |
| Earnings coverage of net charge-offs (x) | 62.3767% | 997 |
| Efficiency ratio | 64.2760% | 2,738 |
| Assets per employee ($millions) | 5.5888% | 3,144 |
| Cash dividends to net income (ytd only)* | 40.4539% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 2,048 |
| Loan loss allowance to noncurrent loans | 386.1495% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,284 |
| Noncurrent loans to loans | 0.3204% | 2,234 |
| Net loans and leases to total assets | 69.2700% | 1,992 |
| Net loans and leases to deposits | 76.6254% | 2,501 |
| Net loans and leases to core deposits | 84.7323% | 2,474 |
| Total domestic deposits to total assets | 90.4100% | 597 |
| Equity capital to assets | 8.3258% | 3,213 |
| Core capital (leverage) ratio | 9.8172% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7001% | 1,991 |
| Memoranda: | ||
| Average total assets | $1,088,942,000 | 938 |
| Average earning assets | $1,002,192,000 | 934 |
| Average equity | $88,648,667 | 1,109 |
| Average total loans | $747,172,667 | 950 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0240% | 1,032 |
| Cost of funding earning assets | 1.6552% | 2,853 |
| Net interest margin | 4.3688% | 700 |
| Noninterest income to average assets | 0.6600% | 1,157 |
| Noninterest expense to average assets | 3.1084% | 954 |
| Loan and lease loss provision to assets | 0.1400% | 749 |
| Net operating income to assets | 1.4380% | 994 |
| Return on assets (ROA) | 1.4457% | 989 |
| Pretax return on assets | 1.4457% | 1,354 |
| Return on Equity (ROE) | 17.9600% | 616 |
| Retained earnings to average equity (ytd only) | 10.2733% | 1,049 |
| Net charge-offs to loans | 0.0299% | 1,274 |
| Credit loss provision to net charge-offs | 672.7273% | 430 |
| Earnings coverage of net charge-offs (x) | 77.6909% | 781 |
| Efficiency ratio | 65.9323% | 2,601 |
| Assets per employee ($millions) | 5.3393% | 3,394 |
| Cash dividends to net income (ytd only)* | 42.8135% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,073 |
| Loan loss allowance to noncurrent loans | 686.7416% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 2,806 |
| Noncurrent loans to loans | 0.1803% | 2,719 |
| Net loans and leases to total assets | 67.7800% | 2,033 |
| Net loans and leases to deposits | 74.7086% | 2,536 |
| Net loans and leases to core deposits | 81.8598% | 2,588 |
| Total domestic deposits to total assets | 90.7300% | 594 |
| Equity capital to assets | 8.0635% | 3,325 |
| Core capital (leverage) ratio | 9.6638% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1317% | 1,824 |
| Memoranda: | ||
| Average total assets | $1,085,711,500 | 944 |
| Average earning assets | $999,728,500 | 937 |
| Average equity | $87,372,500 | 1,114 |
| Average total loans | $736,594,000 | 963 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4129% | 1,288 |
| Cost of funding earning assets | 1.1159% | 3,025 |
| Net interest margin | 4.2970% | 818 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 3.1366% | 906 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.4820% | 1,049 |
| Return on assets (ROA) | 1.4825% | 1,023 |
| Pretax return on assets | 1.4825% | 1,465 |
| Return on Equity (ROE) | 19.9600% | 622 |
| Retained earnings to average equity (ytd only) | 10.3752% | 929 |
| Net charge-offs to loans | 0.0355% | 1,600 |
| Credit loss provision to net charge-offs | 56.7227% | 2,167 |
| Earnings coverage of net charge-offs (x) | 64.4202% | 1,151 |
| Efficiency ratio | 67.2436% | 2,203 |
| Assets per employee ($millions) | 5.4644% | 3,281 |
| Cash dividends to net income (ytd only)* | 48.0332% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,252 |
| Loan loss allowance to noncurrent loans | 630.1068% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 2,678 |
| Noncurrent loans to loans | 0.1917% | 2,552 |
| Net loans and leases to total assets | 66.2600% | 2,232 |
| Net loans and leases to deposits | 76.9881% | 2,355 |
| Net loans and leases to core deposits | 85.0018% | 2,376 |
| Total domestic deposits to total assets | 86.0600% | 1,996 |
| Equity capital to assets | 8.0316% | 3,393 |
| Core capital (leverage) ratio | 9.6415% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9980% | 1,869 |
| Memoranda: | ||
| Average total assets | $1,025,431,400 | 963 |
| Average earning assets | $939,096,200 | 964 |
| Average equity | $76,143,400 | 1,172 |
| Average total loans | $670,582,400 | 1,001 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2982% | 1,295 |
| Cost of funding earning assets | 0.9712% | 3,117 |
| Net interest margin | 4.3270% | 777 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 3.1895% | 833 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4724% | 1,184 |
| Return on assets (ROA) | 1.4731% | 1,162 |
| Pretax return on assets | 1.4731% | 1,625 |
| Return on Equity (ROE) | 20.2900% | 697 |
| Retained earnings to average equity (ytd only) | 11.6990% | 1,025 |
| Net charge-offs to loans | 0.0358% | 1,378 |
| Credit loss provision to net charge-offs | 19.8864% | 2,015 |
| Earnings coverage of net charge-offs (x) | 63.4830% | 1,170 |
| Efficiency ratio | 67.8669% | 2,034 |
| Assets per employee ($millions) | 5.1825% | 3,446 |
| Cash dividends to net income (ytd only)* | 42.3315% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,035 |
| Loan loss allowance to noncurrent loans | 1,185.4772% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,107 |
| Noncurrent loans to loans | 0.1067% | 3,039 |
| Net loans and leases to total assets | 64.5800% | 2,377 |
| Net loans and leases to deposits | 72.1381% | 2,700 |
| Net loans and leases to core deposits | 76.8861% | 2,808 |
| Total domestic deposits to total assets | 89.5200% | 1,067 |
| Equity capital to assets | 7.1528% | 3,540 |
| Core capital (leverage) ratio | 9.5541% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6730% | 1,667 |
| Memoranda: | ||
| Average total assets | $1,008,569,750 | 978 |
| Average earning assets | $922,688,000 | 977 |
| Average equity | $73,235,250 | 1,199 |
| Average total loans | $654,988,000 | 1,019 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 1,401 |
| Cost of funding earning assets | 0.7783% | 3,274 |
| Net interest margin | 4.3057% | 800 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 3.2476% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4002% | 1,333 |
| Return on assets (ROA) | 1.4012% | 1,307 |
| Pretax return on assets | 1.4012% | 1,810 |
| Return on Equity (ROE) | 19.2000% | 806 |
| Retained earnings to average equity (ytd only) | 11.0977% | 1,173 |
| Net charge-offs to loans | 0.0331% | 1,237 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 65.3832% | 1,146 |
| Efficiency ratio | 69.3868% | 1,824 |
| Assets per employee ($millions) | 5.3564% | 3,271 |
| Cash dividends to net income (ytd only)* | 42.1940% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,421 |
| Loan loss allowance to noncurrent loans | 1,025.1917% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 2,924 |
| Noncurrent loans to loans | 0.1394% | 2,774 |
| Net loans and leases to total assets | 61.5100% | 2,622 |
| Net loans and leases to deposits | 68.5269% | 2,896 |
| Net loans and leases to core deposits | 72.1210% | 3,008 |
| Total domestic deposits to total assets | 89.7600% | 989 |
| Equity capital to assets | 7.0724% | 3,759 |
| Core capital (leverage) ratio | 9.1250% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0500% | 1,877 |
| Memoranda: | ||
| Average total assets | $999,261,000 | 976 |
| Average earning assets | $913,494,333 | 977 |
| Average equity | $72,934,333 | 1,197 |
| Average total loans | $647,346,667 | 1,010 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 1,411 |
| Cost of funding earning assets | 0.4783% | 3,762 |
| Net interest margin | 4.4194% | 658 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 3.3278% | 671 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4144% | 1,370 |
| Return on assets (ROA) | 1.4144% | 1,340 |
| Pretax return on assets | 1.4144% | 1,855 |
| Return on Equity (ROE) | 19.0600% | 882 |
| Retained earnings to average equity (ytd only) | 9.9507% | 1,714 |
| Net charge-offs to loans | 0.0224% | 1,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 95.6667% | 807 |
| Efficiency ratio | 69.6804% | 1,778 |
| Assets per employee ($millions) | 5.0047% | 3,657 |
| Cash dividends to net income (ytd only)* | 47.7933% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 1,414 |
| Loan loss allowance to noncurrent loans | 982.3958% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 2,852 |
| Noncurrent loans to loans | 0.1482% | 2,751 |
| Net loans and leases to total assets | 64.7600% | 2,174 |
| Net loans and leases to deposits | 71.0646% | 2,536 |
| Net loans and leases to core deposits | 74.1894% | 2,665 |
| Total domestic deposits to total assets | 91.1300% | 761 |
| Equity capital to assets | 7.7000% | 3,443 |
| Core capital (leverage) ratio | 9.4598% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1132% | 1,942 |
| Memoranda: | ||
| Average total assets | $973,964,500 | 1,012 |
| Average earning assets | $888,896,500 | 1,024 |
| Average equity | $72,276,500 | 1,223 |
| Average total loans | $643,462,000 | 1,024 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3125% | 1,028 |
| Cost of funding earning assets | 0.1077% | 4,357 |
| Net interest margin | 4.2048% | 526 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 3.0191% | 944 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.5312% | 818 |
| Return on assets (ROA) | 1.5621% | 721 |
| Pretax return on assets | 1.5621% | 1,262 |
| Return on Equity (ROE) | 18.5100% | 633 |
| Retained earnings to average equity (ytd only) | 2.0434% | 3,967 |
| Net charge-offs to loans | -0.0637% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2584% | 2,325 |
| Assets per employee ($millions) | 5.0367% | 3,651 |
| Cash dividends to net income (ytd only)* | 88.9620% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 1,255 |
| Loan loss allowance to noncurrent loans | 909.4140% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 2,770 |
| Noncurrent loans to loans | 0.1629% | 2,676 |
| Net loans and leases to total assets | 65.4400% | 2,099 |
| Net loans and leases to deposits | 71.3879% | 2,460 |
| Net loans and leases to core deposits | 74.5336% | 2,528 |
| Total domestic deposits to total assets | 91.6700% | 729 |
| Equity capital to assets | 7.1348% | 3,595 |
| Core capital (leverage) ratio | 9.2706% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1652% | 1,916 |
| Memoranda: | ||
| Average total assets | $962,734,400 | 1,019 |
| Average earning assets | $880,540,400 | 1,013 |
| Average equity | $81,238,600 | 1,115 |
| Average total loans | $615,788,600 | 1,021 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 918 |
| Cost of funding earning assets | 0.0752% | 4,456 |
| Net interest margin | 4.1081% | 507 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.9274% | 1,010 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5309% | 778 |
| Return on assets (ROA) | 1.5721% | 679 |
| Pretax return on assets | 1.5721% | 1,195 |
| Return on Equity (ROE) | 17.9400% | 650 |
| Retained earnings to average equity (ytd only) | 7.5142% | 2,184 |
| Net charge-offs to loans | -0.1008% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.6625% | 2,461 |
| Assets per employee ($millions) | 5.4622% | 3,264 |
| Cash dividends to net income (ytd only)* | 58.1117% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,216 |
| Loan loss allowance to noncurrent loans | 866.6667% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 2,838 |
| Noncurrent loans to loans | 0.1768% | 2,702 |
| Net loans and leases to total assets | 62.7600% | 2,215 |
| Net loans and leases to deposits | 68.7598% | 2,477 |
| Net loans and leases to core deposits | 70.4279% | 2,612 |
| Total domestic deposits to total assets | 91.2700% | 1,133 |
| Equity capital to assets | 7.4663% | 3,238 |
| Core capital (leverage) ratio | 9.5544% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7599% | 1,784 |
| Memoranda: | ||
| Average total assets | $962,917,250 | 1,024 |
| Average earning assets | $881,645,750 | 1,025 |
| Average equity | $84,389,000 | 1,096 |
| Average total loans | $609,978,500 | 1,025 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 803 |
| Cost of funding earning assets | 0.0725% | 4,444 |
| Net interest margin | 4.0087% | 486 |
| Noninterest income to average assets | 0.6720% | 1,456 |
| Noninterest expense to average assets | 2.8955% | 997 |
| Loan and lease loss provision to assets | 0.0125% | 2,374 |
| Net operating income to assets | 1.4367% | 820 |
| Return on assets (ROA) | 1.4986% | 691 |
| Pretax return on assets | 1.4986% | 1,171 |
| Return on Equity (ROE) | 16.2970% | 661 |
| Retained earnings to average equity (ytd only) | 10.5426% | 891 |
| Net charge-offs to loans | -0.1786% | 4,575 |
| Credit loss provision to net charge-offs | -11.0294% | 2,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1044% | 2,490 |
| Assets per employee ($millions) | 5.6696% | 3,065 |
| Cash dividends to net income (ytd only)* | 35.3096% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 1,415 |
| Loan loss allowance to noncurrent loans | 782.3232% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 2,749 |
| Noncurrent loans to loans | 0.1913% | 2,748 |
| Net loans and leases to total assets | 63.4747% | 1,969 |
| Net loans and leases to deposits | 69.7895% | 2,228 |
| Net loans and leases to core deposits | 71.8024% | 2,360 |
| Total domestic deposits to total assets | 90.9516% | 1,262 |
| Equity capital to assets | 7.8824% | 3,216 |
| Core capital (leverage) ratio | 9.5472% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8014% | 1,765 |
| Memoranda: | ||
| Average total assets | $963,441,333 | 1,017 |
| Average earning assets | $882,675,333 | 1,032 |
| Average equity | $88,593,000 | 1,069 |
| Average total loans | $609,072,333 | 1,010 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 835 |
| Cost of funding earning assets | 0.0740% | 4,414 |
| Net interest margin | 3.8865% | 519 |
| Noninterest income to average assets | 0.7579% | 1,150 |
| Noninterest expense to average assets | 2.8034% | 1,146 |
| Loan and lease loss provision to assets | 0.0249% | 1,915 |
| Net operating income to assets | 1.4866% | 654 |
| Return on assets (ROA) | 1.4866% | 646 |
| Pretax return on assets | 1.4866% | 1,040 |
| Return on Equity (ROE) | 15.0891% | 635 |
| Retained earnings to average equity (ytd only) | 9.2431% | 1,205 |
| Net charge-offs to loans | 0.0551% | 749 |
| Credit loss provision to net charge-offs | 72.2892% | 1,130 |
| Earnings coverage of net charge-offs (x) | 43.8554% | 972 |
| Efficiency ratio | 64.4211% | 2,977 |
| Assets per employee ($millions) | 5.5666% | 3,253 |
| Cash dividends to net income (ytd only)* | 38.7430% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,809 |
| Loan loss allowance to noncurrent loans | 540.6737% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 1,486 |
| Noncurrent loans to loans | 0.2639% | 2,529 |
| Net loans and leases to total assets | 61.4603% | 1,920 |
| Net loans and leases to deposits | 68.4042% | 2,106 |
| Net loans and leases to core deposits | 70.5018% | 2,247 |
| Total domestic deposits to total assets | 89.8488% | 1,658 |
| Equity capital to assets | 9.0437% | 2,675 |
| Core capital (leverage) ratio | 9.5454% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3645% | 2,050 |
| Memoranda: | ||
| Average total assets | $963,248,500 | 1,015 |
| Average earning assets | $881,616,000 | 1,036 |
| Average equity | $94,903,000 | 1,024 |
| Average total loans | $603,068,500 | 1,017 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2640% | 900 |
| Cost of funding earning assets | 0.1318% | 4,137 |
| Net interest margin | 4.1322% | 557 |
| Noninterest income to average assets | 0.7112% | 1,724 |
| Noninterest expense to average assets | 2.8732% | 1,209 |
| Loan and lease loss provision to assets | 0.0964% | 1,289 |
| Net operating income to assets | 1.5023% | 1,009 |
| Return on assets (ROA) | 1.5271% | 999 |
| Pretax return on assets | 1.5271% | 1,632 |
| Return on Equity (ROE) | 14.2161% | 1,125 |
| Retained earnings to average equity (ytd only) | 7.8725% | 1,592 |
| Net charge-offs to loans | -0.0199% | 3,975 |
| Credit loss provision to net charge-offs | -766.6667% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7058% | 2,610 |
| Assets per employee ($millions) | 5.4733% | 3,284 |
| Cash dividends to net income (ytd only)* | 44.6226% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,727 |
| Loan loss allowance to noncurrent loans | 469.4760% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 1,485 |
| Noncurrent loans to loans | 0.3091% | 2,485 |
| Net loans and leases to total assets | 61.9589% | 1,947 |
| Net loans and leases to deposits | 70.2091% | 2,113 |
| Net loans and leases to core deposits | 72.4993% | 2,209 |
| Total domestic deposits to total assets | 88.2492% | 1,904 |
| Equity capital to assets | 10.6796% | 2,025 |
| Core capital (leverage) ratio | 9.3875% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6028% | 2,018 |
| Memoranda: | ||
| Average total assets | $930,977,000 | 1,020 |
| Average earning assets | $847,279,400 | 1,038 |
| Average equity | $100,006,200 | 1,011 |
| Average total loans | $587,717,400 | 1,030 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 868 |
| Cost of funding earning assets | 0.1472% | 4,133 |
| Net interest margin | 4.2112% | 533 |
| Noninterest income to average assets | 0.7251% | 1,752 |
| Noninterest expense to average assets | 2.8762% | 1,174 |
| Loan and lease loss provision to assets | 0.1215% | 969 |
| Net operating income to assets | 1.5544% | 1,134 |
| Return on assets (ROA) | 1.5860% | 1,111 |
| Pretax return on assets | 1.5860% | 1,749 |
| Return on Equity (ROE) | 14.7427% | 1,189 |
| Retained earnings to average equity (ytd only) | 8.7471% | 1,786 |
| Net charge-offs to loans | -0.0342% | 4,194 |
| Credit loss provision to net charge-offs | -562.6667% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6460% | 2,586 |
| Assets per employee ($millions) | 5.6626% | 3,027 |
| Cash dividends to net income (ytd only)* | 40.6684% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 1,799 |
| Loan loss allowance to noncurrent loans | 552.2293% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 1,822 |
| Noncurrent loans to loans | 0.2632% | 2,874 |
| Net loans and leases to total assets | 61.0605% | 2,128 |
| Net loans and leases to deposits | 69.3197% | 2,303 |
| Net loans and leases to core deposits | 71.6541% | 2,454 |
| Total domestic deposits to total assets | 88.0853% | 1,791 |
| Equity capital to assets | 10.6469% | 2,324 |
| Core capital (leverage) ratio | 9.3784% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3531% | 2,228 |
| Memoranda: | ||
| Average total assets | $925,633,750 | 1,030 |
| Average earning assets | $841,203,750 | 1,055 |
| Average equity | $99,581,000 | 1,029 |
| Average total loans | $584,957,750 | 1,049 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 693 |
| Cost of funding earning assets | 0.1664% | 4,077 |
| Net interest margin | 4.3696% | 435 |
| Noninterest income to average assets | 0.7091% | 1,773 |
| Noninterest expense to average assets | 2.8744% | 1,196 |
| Loan and lease loss provision to assets | 0.1660% | 705 |
| Net operating income to assets | 1.6304% | 986 |
| Return on assets (ROA) | 1.6772% | 956 |
| Pretax return on assets | 1.6772% | 1,536 |
| Return on Equity (ROE) | 15.5338% | 1,048 |
| Retained earnings to average equity (ytd only) | 9.8833% | 1,431 |
| Net charge-offs to loans | -0.0823% | 4,562 |
| Credit loss provision to net charge-offs | -317.1548% | 3,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0108% | 2,868 |
| Assets per employee ($millions) | 5.5429% | 3,076 |
| Cash dividends to net income (ytd only)* | 36.3755% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 1,774 |
| Loan loss allowance to noncurrent loans | 478.1147% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4443% | 1,853 |
| Noncurrent loans to loans | 0.3029% | 2,841 |
| Net loans and leases to total assets | 62.6277% | 2,104 |
| Net loans and leases to deposits | 71.0219% | 2,301 |
| Net loans and leases to core deposits | 73.6633% | 2,442 |
| Total domestic deposits to total assets | 88.1808% | 1,734 |
| Equity capital to assets | 10.6601% | 2,258 |
| Core capital (leverage) ratio | 9.3423% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2578% | 2,261 |
| Memoranda: | ||
| Average total assets | $913,296,333 | 1,037 |
| Average earning assets | $828,034,333 | 1,059 |
| Average equity | $98,610,667 | 1,033 |
| Average total loans | $581,121,667 | 1,063 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1182% | 1,347 |
| Cost of funding earning assets | 0.1904% | 4,003 |
| Net interest margin | 3.9277% | 940 |
| Noninterest income to average assets | 0.6845% | 1,917 |
| Noninterest expense to average assets | 2.9115% | 1,128 |
| Loan and lease loss provision to assets | 0.1451% | 912 |
| Net operating income to assets | 1.1802% | 2,231 |
| Return on assets (ROA) | 1.2381% | 2,100 |
| Pretax return on assets | 1.2381% | 2,739 |
| Return on Equity (ROE) | 11.3910% | 2,231 |
| Retained earnings to average equity (ytd only) | 6.0108% | 2,898 |
| Net charge-offs to loans | -0.2034% | 4,787 |
| Credit loss provision to net charge-offs | -112.0275% | 2,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1197% | 1,920 |
| Assets per employee ($millions) | 5.4446% | 3,171 |
| Cash dividends to net income (ytd only)* | 47.2322% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 1,951 |
| Loan loss allowance to noncurrent loans | 236.7685% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 1,406 |
| Noncurrent loans to loans | 0.5919% | 2,088 |
| Net loans and leases to total assets | 63.0496% | 2,163 |
| Net loans and leases to deposits | 71.3144% | 2,387 |
| Net loans and leases to core deposits | 74.0646% | 2,507 |
| Total domestic deposits to total assets | 88.4107% | 1,652 |
| Equity capital to assets | 10.5441% | 2,226 |
| Core capital (leverage) ratio | 9.3768% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1115% | 2,246 |
| Memoranda: | ||
| Average total assets | $898,794,500 | 1,039 |
| Average earning assets | $812,887,500 | 1,062 |
| Average equity | $97,691,000 | 1,029 |
| Average total loans | $572,275,500 | 1,081 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 883 |
| Cost of funding earning assets | 0.3569% | 3,837 |
| Net interest margin | 4.3506% | 457 |
| Noninterest income to average assets | 0.8395% | 1,419 |
| Noninterest expense to average assets | 3.1049% | 1,218 |
| Loan and lease loss provision to assets | 0.1934% | 2,023 |
| Net operating income to assets | 1.4452% | 928 |
| Return on assets (ROA) | 1.4739% | 944 |
| Pretax return on assets | 1.4739% | 1,428 |
| Return on Equity (ROE) | 12.9235% | 1,063 |
| Retained earnings to average equity (ytd only) | 6.7062% | 1,507 |
| Net charge-offs to loans | 0.1359% | 1,190 |
| Credit loss provision to net charge-offs | 221.4186% | 2,060 |
| Earnings coverage of net charge-offs (x) | 18.7580% | 2,009 |
| Efficiency ratio | 64.8746% | 2,695 |
| Assets per employee ($millions) | 5.1295% | 3,257 |
| Cash dividends to net income (ytd only)* | 48.1082% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 2,012 |
| Loan loss allowance to noncurrent loans | 215.2552% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6173% | 1,709 |
| Noncurrent loans to loans | 0.6452% | 2,064 |
| Net loans and leases to total assets | 62.5001% | 2,538 |
| Net loans and leases to deposits | 71.2640% | 2,758 |
| Net loans and leases to core deposits | 74.1148% | 2,904 |
| Total domestic deposits to total assets | 87.7022% | 1,609 |
| Equity capital to assets | 11.2141% | 2,089 |
| Core capital (leverage) ratio | 9.4858% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6485% | 1,994 |
| Memoranda: | ||
| Average total assets | $823,078,400 | 1,032 |
| Average earning assets | $738,587,600 | 1,054 |
| Average equity | $93,867,800 | 1,020 |
| Average total loans | $529,034,000 | 1,089 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8574% | 797 |
| Cost of funding earning assets | 0.3963% | 3,827 |
| Net interest margin | 4.4611% | 417 |
| Noninterest income to average assets | 0.8437% | 1,367 |
| Noninterest expense to average assets | 3.1047% | 1,230 |
| Loan and lease loss provision to assets | 0.2220% | 1,817 |
| Net operating income to assets | 1.5185% | 870 |
| Return on assets (ROA) | 1.5560% | 879 |
| Pretax return on assets | 1.5560% | 1,311 |
| Return on Equity (ROE) | 13.5831% | 955 |
| Retained earnings to average equity (ytd only) | 7.7655% | 1,385 |
| Net charge-offs to loans | 0.0798% | 1,507 |
| Credit loss provision to net charge-offs | 431.3099% | 1,403 |
| Earnings coverage of net charge-offs (x) | 33.8179% | 1,493 |
| Efficiency ratio | 63.4596% | 2,834 |
| Assets per employee ($millions) | 5.0218% | 3,226 |
| Cash dividends to net income (ytd only)* | 42.8300% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,542 |
| Loan loss allowance to noncurrent loans | 209.1782% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 1,782 |
| Noncurrent loans to loans | 0.6922% | 2,062 |
| Net loans and leases to total assets | 62.5032% | 2,946 |
| Net loans and leases to deposits | 71.5641% | 3,177 |
| Net loans and leases to core deposits | 74.8357% | 3,251 |
| Total domestic deposits to total assets | 87.3388% | 1,525 |
| Equity capital to assets | 11.4132% | 2,073 |
| Core capital (leverage) ratio | 9.6029% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0467% | 1,814 |
| Memoranda: | ||
| Average total assets | $810,846,000 | 1,031 |
| Average earning assets | $727,311,750 | 1,053 |
| Average equity | $92,887,750 | 1,016 |
| Average total loans | $523,122,000 | 1,089 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 636 |
| Cost of funding earning assets | 0.4450% | 3,818 |
| Net interest margin | 4.6960% | 344 |
| Noninterest income to average assets | 0.8145% | 1,395 |
| Noninterest expense to average assets | 3.1490% | 1,245 |
| Loan and lease loss provision to assets | 0.3209% | 1,331 |
| Net operating income to assets | 1.5469% | 850 |
| Return on assets (ROA) | 1.6024% | 826 |
| Pretax return on assets | 1.6024% | 1,220 |
| Return on Equity (ROE) | 13.9693% | 894 |
| Retained earnings to average equity (ytd only) | 9.2567% | 945 |
| Net charge-offs to loans | 0.1044% | 1,236 |
| Credit loss provision to net charge-offs | 473.3333% | 1,277 |
| Earnings coverage of net charge-offs (x) | 27.5519% | 1,486 |
| Efficiency ratio | 62.1641% | 3,104 |
| Assets per employee ($millions) | 4.8984% | 3,304 |
| Cash dividends to net income (ytd only)* | 33.7355% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 1,355 |
| Loan loss allowance to noncurrent loans | 335.5241% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 2,368 |
| Noncurrent loans to loans | 0.4381% | 2,846 |
| Net loans and leases to total assets | 62.1427% | 3,112 |
| Net loans and leases to deposits | 71.0444% | 3,344 |
| Net loans and leases to core deposits | 74.3281% | 3,432 |
| Total domestic deposits to total assets | 87.4703% | 1,429 |
| Equity capital to assets | 11.3732% | 2,059 |
| Core capital (leverage) ratio | 9.6368% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2851% | 1,703 |
| Memoranda: | ||
| Average total assets | $796,560,667 | 1,031 |
| Average earning assets | $712,818,667 | 1,054 |
| Average equity | $91,372,000 | 1,024 |
| Average total loans | $517,019,000 | 1,087 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 1,066 |
| Cost of funding earning assets | 0.5291% | 3,797 |
| Net interest margin | 4.4184% | 601 |
| Noninterest income to average assets | 0.8599% | 1,147 |
| Noninterest expense to average assets | 3.3310% | 1,172 |
| Loan and lease loss provision to assets | 0.1696% | 1,731 |
| Net operating income to assets | 1.3061% | 1,230 |
| Return on assets (ROA) | 1.3558% | 1,174 |
| Pretax return on assets | 1.3558% | 1,701 |
| Return on Equity (ROE) | 11.7648% | 1,175 |
| Retained earnings to average equity (ytd only) | 6.7619% | 1,622 |
| Net charge-offs to loans | 0.2087% | 665 |
| Credit loss provision to net charge-offs | 123.3083% | 1,697 |
| Earnings coverage of net charge-offs (x) | 10.7293% | 1,754 |
| Efficiency ratio | 68.7500% | 2,547 |
| Assets per employee ($millions) | 4.4801% | 3,283 |
| Cash dividends to net income (ytd only)* | 42.5248% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 1,885 |
| Loan loss allowance to noncurrent loans | 339.3475% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 2,540 |
| Noncurrent loans to loans | 0.3995% | 3,058 |
| Net loans and leases to total assets | 63.3496% | 3,142 |
| Net loans and leases to deposits | 72.5543% | 3,397 |
| Net loans and leases to core deposits | 76.0954% | 3,486 |
| Total domestic deposits to total assets | 87.3133% | 1,417 |
| Equity capital to assets | 11.4833% | 2,449 |
| Core capital (leverage) ratio | 10.1022% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6938% | 2,006 |
| Memoranda: | ||
| Average total assets | $773,577,000 | 1,029 |
| Average earning assets | $691,020,000 | 1,049 |
| Average equity | $89,147,000 | 1,039 |
| Average total loans | $509,838,000 | 1,085 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 1,105 |
| Cost of funding earning assets | 0.5702% | 3,773 |
| Net interest margin | 4.5814% | 597 |
| Noninterest income to average assets | 1.0441% | 871 |
| Noninterest expense to average assets | 3.4027% | 1,113 |
| Loan and lease loss provision to assets | 0.1429% | 1,494 |
| Net operating income to assets | 1.6040% | 833 |
| Return on assets (ROA) | 1.6168% | 860 |
| Pretax return on assets | 1.6168% | 1,437 |
| Return on Equity (ROE) | 14.7049% | 745 |
| Retained earnings to average equity (ytd only) | 11.7430% | 259 |
| Net charge-offs to loans | -0.0258% | 4,681 |
| Credit loss provision to net charge-offs | -836.8000% | 4,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0766% | 2,758 |
| Assets per employee ($millions) | 4.3853% | 3,396 |
| Cash dividends to net income (ytd only)* | 20.1420% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 1,814 |
| Loan loss allowance to noncurrent loans | 332.3400% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 2,374 |
| Noncurrent loans to loans | 0.3988% | 3,011 |
| Net loans and leases to total assets | 66.7625% | 2,865 |
| Net loans and leases to deposits | 76.8746% | 3,099 |
| Net loans and leases to core deposits | 81.0941% | 3,206 |
| Total domestic deposits to total assets | 86.8460% | 1,688 |
| Equity capital to assets | 11.5663% | 2,476 |
| Core capital (leverage) ratio | 9.9728% | 3,549 |
| Tier 1 risk-based capital ratio | 13.3104% | 3,627 |
| Total risk-based capital ratio | 14.5255% | 3,527 |
| Memoranda: | ||
| Average total assets | $731,748,400 | 1,036 |
| Average earning assets | $655,742,400 | 1,051 |
| Average equity | $80,456,200 | 1,090 |
| Average total loans | $484,535,200 | 1,106 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1089% | 1,268 |
| Cost of funding earning assets | 0.5617% | 3,859 |
| Net interest margin | 4.5472% | 689 |
| Noninterest income to average assets | 0.9743% | 990 |
| Noninterest expense to average assets | 3.3359% | 1,201 |
| Loan and lease loss provision to assets | 0.1293% | 1,498 |
| Net operating income to assets | 1.5856% | 967 |
| Return on assets (ROA) | 1.6012% | 973 |
| Pretax return on assets | 1.6012% | 1,634 |
| Return on Equity (ROE) | 14.7635% | 832 |
| Retained earnings to average equity (ytd only) | 10.7246% | 576 |
| Net charge-offs to loans | -0.0240% | 4,635 |
| Credit loss provision to net charge-offs | -817.4419% | 4,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0477% | 2,720 |
| Assets per employee ($millions) | 4.6389% | 2,991 |
| Cash dividends to net income (ytd only)* | 27.3573% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 1,978 |
| Loan loss allowance to noncurrent loans | 229.4034% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 2,197 |
| Noncurrent loans to loans | 0.5652% | 2,602 |
| Net loans and leases to total assets | 63.8576% | 3,299 |
| Net loans and leases to deposits | 72.7800% | 3,572 |
| Net loans and leases to core deposits | 76.8077% | 3,639 |
| Total domestic deposits to total assets | 87.7406% | 1,154 |
| Equity capital to assets | 11.0556% | 3,051 |
| Core capital (leverage) ratio | 9.7557% | 3,900 |
| Tier 1 risk-based capital ratio | 12.9915% | 3,854 |
| Total risk-based capital ratio | 14.1531% | 3,799 |
| Memoranda: | ||
| Average total assets | $725,022,250 | 1,044 |
| Average earning assets | $649,963,250 | 1,062 |
| Average equity | $78,633,250 | 1,102 |
| Average total loans | $477,344,250 | 1,121 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 1,208 |
| Cost of funding earning assets | 0.5358% | 3,949 |
| Net interest margin | 4.5684% | 660 |
| Noninterest income to average assets | 0.9441% | 979 |
| Noninterest expense to average assets | 3.3074% | 1,269 |
| Loan and lease loss provision to assets | 0.1838% | 969 |
| Net operating income to assets | 1.5510% | 1,011 |
| Return on assets (ROA) | 1.5633% | 1,024 |
| Pretax return on assets | 1.5633% | 1,655 |
| Return on Equity (ROE) | 14.5151% | 874 |
| Retained earnings to average equity (ytd only) | 8.2988% | 1,281 |
| Net charge-offs to loans | 0.0755% | 1,614 |
| Credit loss provision to net charge-offs | 367.4157% | 775 |
| Earnings coverage of net charge-offs (x) | 34.6742% | 1,349 |
| Efficiency ratio | 65.5945% | 2,872 |
| Assets per employee ($millions) | 4.5341% | 3,081 |
| Cash dividends to net income (ytd only)* | 42.8263% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,114 |
| Loan loss allowance to noncurrent loans | 200.4595% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 2,003 |
| Noncurrent loans to loans | 0.6366% | 2,348 |
| Net loans and leases to total assets | 64.3305% | 3,303 |
| Net loans and leases to deposits | 73.2457% | 3,574 |
| Net loans and leases to core deposits | 77.5536% | 3,612 |
| Total domestic deposits to total assets | 87.8284% | 1,183 |
| Equity capital to assets | 11.0151% | 3,032 |
| Core capital (leverage) ratio | 10.1244% | 3,478 |
| Tier 1 risk-based capital ratio | 13.1526% | 3,756 |
| Total risk-based capital ratio | 14.2968% | 3,720 |
| Memoranda: | ||
| Average total assets | $711,559,330 | 1,058 |
| Average earning assets | $638,304,670 | 1,081 |
| Average equity | $76,637,330 | 1,121 |
| Average total loans | $471,394,330 | 1,132 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 1,213 |
| Cost of funding earning assets | 0.5226% | 3,963 |
| Net interest margin | 4.5277% | 700 |
| Noninterest income to average assets | 0.9422% | 938 |
| Noninterest expense to average assets | 3.3019% | 1,284 |
| Loan and lease loss provision to assets | 0.1697% | 985 |
| Net operating income to assets | 1.5295% | 1,052 |
| Return on assets (ROA) | 1.5295% | 1,078 |
| Pretax return on assets | 1.5295% | 1,680 |
| Return on Equity (ROE) | 14.3729% | 883 |
| Retained earnings to average equity (ytd only) | 7.1032% | 1,998 |
| Net charge-offs to loans | 0.0368% | 1,745 |
| Credit loss provision to net charge-offs | 690.6977% | 489 |
| Earnings coverage of net charge-offs (x) | 69.1628% | 853 |
| Efficiency ratio | 66.0231% | 2,936 |
| Assets per employee ($millions) | 4.6116% | 3,025 |
| Cash dividends to net income (ytd only)* | 50.5790% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,379 |
| Loan loss allowance to noncurrent loans | 177.7711% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 1,924 |
| Noncurrent loans to loans | 0.6980% | 2,278 |
| Net loans and leases to total assets | 66.3913% | 2,992 |
| Net loans and leases to deposits | 75.4260% | 3,314 |
| Net loans and leases to core deposits | 80.1381% | 3,360 |
| Total domestic deposits to total assets | 88.0218% | 1,327 |
| Equity capital to assets | 10.7681% | 3,080 |
| Core capital (leverage) ratio | 9.9027% | 3,711 |
| Tier 1 risk-based capital ratio | 12.8895% | 3,933 |
| Total risk-based capital ratio | 13.9994% | 3,906 |
| Memoranda: | ||
| Average total assets | $700,075,500 | 1,082 |
| Average earning assets | $627,602,000 | 1,103 |
| Average equity | $74,501,500 | 1,143 |
| Average total loans | $467,775,000 | 1,142 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 1,289 |
| Cost of funding earning assets | 0.3946% | 4,013 |
| Net interest margin | 4.5051% | 755 |
| Noninterest income to average assets | 0.9478% | 1,065 |
| Noninterest expense to average assets | 3.1726% | 1,624 |
| Loan and lease loss provision to assets | 0.3516% | 436 |
| Net operating income to assets | 1.4613% | 1,233 |
| Return on assets (ROA) | 1.5110% | 1,074 |
| Pretax return on assets | 1.5110% | 1,745 |
| Return on Equity (ROE) | 14.1555% | 1,010 |
| Retained earnings to average equity (ytd only) | 6.3828% | 1,982 |
| Net charge-offs to loans | 0.5794% | 296 |
| Credit loss provision to net charge-offs | 93.2197% | 2,677 |
| Earnings coverage of net charge-offs (x) | 4.8069% | 3,253 |
| Efficiency ratio | 63.6361% | 3,235 |
| Assets per employee ($millions) | 4.8571% | 2,671 |
| Cash dividends to net income (ytd only)* | 54.9089% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,462 |
| Loan loss allowance to noncurrent loans | 285.5984% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 2,419 |
| Noncurrent loans to loans | 0.4276% | 3,007 |
| Net loans and leases to total assets | 65.5928% | 3,188 |
| Net loans and leases to deposits | 75.8874% | 3,357 |
| Net loans and leases to core deposits | 80.4701% | 3,393 |
| Total domestic deposits to total assets | 86.4343% | 2,043 |
| Equity capital to assets | 10.5137% | 3,172 |
| Core capital (leverage) ratio | 10.0195% | 3,554 |
| Tier 1 risk-based capital ratio | 13.0360% | 3,831 |
| Total risk-based capital ratio | 14.1313% | 3,811 |
| Memoranda: | ||
| Average total assets | $668,699,200 | 1,092 |
| Average earning assets | $599,318,600 | 1,115 |
| Average equity | $71,378,800 | 1,142 |
| Average total loans | $435,303,400 | 1,172 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 1,345 |
| Cost of funding earning assets | 0.3685% | 4,063 |
| Net interest margin | 4.4619% | 801 |
| Noninterest income to average assets | 0.9604% | 1,033 |
| Noninterest expense to average assets | 3.1485% | 1,650 |
| Loan and lease loss provision to assets | 0.4109% | 311 |
| Net operating income to assets | 1.4019% | 1,484 |
| Return on assets (ROA) | 1.4687% | 1,279 |
| Pretax return on assets | 1.4687% | 2,001 |
| Return on Equity (ROE) | 13.7055% | 1,201 |
| Retained earnings to average equity (ytd only) | 8.1914% | 1,562 |
| Net charge-offs to loans | 0.7872% | 180 |
| Credit loss provision to net charge-offs | 80.6082% | 2,521 |
| Earnings coverage of net charge-offs (x) | 3.5561% | 3,151 |
| Efficiency ratio | 63.4608% | 3,273 |
| Assets per employee ($millions) | 4.7605% | 2,775 |
| Cash dividends to net income (ytd only)* | 40.2331% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,650 |
| Loan loss allowance to noncurrent loans | 130.2599% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 2,373 |
| Noncurrent loans to loans | 0.9174% | 1,865 |
| Net loans and leases to total assets | 64.9695% | 3,305 |
| Net loans and leases to deposits | 74.0202% | 3,590 |
| Net loans and leases to core deposits | 78.0764% | 3,648 |
| Total domestic deposits to total assets | 87.7727% | 1,350 |
| Equity capital to assets | 10.5838% | 3,059 |
| Core capital (leverage) ratio | 10.2224% | 3,379 |
| Tier 1 risk-based capital ratio | 13.2304% | 3,769 |
| Total risk-based capital ratio | 14.2820% | 3,798 |
| Memoranda: | ||
| Average total assets | $662,231,750 | 1,101 |
| Average earning assets | $593,809,500 | 1,124 |
| Average equity | $70,967,250 | 1,148 |
| Average total loans | $428,824,500 | 1,185 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 1,314 |
| Cost of funding earning assets | 0.3360% | 4,160 |
| Net interest margin | 4.4391% | 785 |
| Noninterest income to average assets | 0.9507% | 1,050 |
| Noninterest expense to average assets | 3.2075% | 1,520 |
| Loan and lease loss provision to assets | 0.4026% | 302 |
| Net operating income to assets | 1.3217% | 1,697 |
| Return on assets (ROA) | 1.4226% | 1,361 |
| Pretax return on assets | 1.4226% | 2,076 |
| Return on Equity (ROE) | 13.2194% | 1,293 |
| Retained earnings to average equity (ytd only) | 8.3278% | 1,479 |
| Net charge-offs to loans | 0.8258% | 161 |
| Credit loss provision to net charge-offs | 75.7004% | 2,299 |
| Earnings coverage of net charge-offs (x) | 3.2419% | 2,893 |
| Efficiency ratio | 65.0367% | 3,154 |
| Assets per employee ($millions) | 4.7158% | 2,801 |
| Cash dividends to net income (ytd only)* | 37.0030% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,508 |
| Loan loss allowance to noncurrent loans | 109.6879% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 2,043 |
| Noncurrent loans to loans | 1.1278% | 1,561 |
| Net loans and leases to total assets | 64.1192% | 3,386 |
| Net loans and leases to deposits | 73.4590% | 3,582 |
| Net loans and leases to core deposits | 77.4775% | 3,620 |
| Total domestic deposits to total assets | 87.2857% | 1,728 |
| Equity capital to assets | 10.5894% | 3,036 |
| Core capital (leverage) ratio | 10.0061% | 3,575 |
| Tier 1 risk-based capital ratio | 13.0992% | 3,851 |
| Total risk-based capital ratio | 14.1760% | 3,857 |
| Memoranda: | ||
| Average total assets | $657,646,000 | 1,113 |
| Average earning assets | $589,803,670 | 1,140 |
| Average equity | $70,774,670 | 1,150 |
| Average total loans | $423,599,670 | 1,203 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 1,459 |
| Cost of funding earning assets | 0.3093% | 4,274 |
| Net interest margin | 4.3331% | 897 |
| Noninterest income to average assets | 0.8765% | 1,215 |
| Noninterest expense to average assets | 3.2490% | 1,455 |
| Loan and lease loss provision to assets | 0.0890% | 2,026 |
| Net operating income to assets | 1.4253% | 1,266 |
| Return on assets (ROA) | 1.5824% | 898 |
| Pretax return on assets | 1.5824% | 1,441 |
| Return on Equity (ROE) | 14.5842% | 880 |
| Retained earnings to average equity (ytd only) | 9.2099% | 1,392 |
| Net charge-offs to loans | 0.1962% | 753 |
| Credit loss provision to net charge-offs | 70.7317% | 1,823 |
| Earnings coverage of net charge-offs (x) | 12.0341% | 1,818 |
| Efficiency ratio | 68.2088% | 2,796 |
| Assets per employee ($millions) | 4.6743% | 2,892 |
| Cash dividends to net income (ytd only)* | 36.8503% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 1,952 |
| Loan loss allowance to noncurrent loans | 87.9749% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9835% | 1,596 |
| Noncurrent loans to loans | 1.5581% | 1,122 |
| Net loans and leases to total assets | 62.2587% | 3,519 |
| Net loans and leases to deposits | 70.5244% | 3,740 |
| Net loans and leases to core deposits | 74.3094% | 3,795 |
| Total domestic deposits to total assets | 88.2796% | 1,471 |
| Equity capital to assets | 10.6065% | 2,963 |
| Core capital (leverage) ratio | 10.0329% | 3,496 |
| Tier 1 risk-based capital ratio | 13.2675% | 3,797 |
| Total risk-based capital ratio | 14.4562% | 3,737 |
| Memoranda: | ||
| Average total assets | $651,649,500 | 1,132 |
| Average earning assets | $584,524,000 | 1,159 |
| Average equity | $70,706,500 | 1,160 |
| Average total loans | $418,027,000 | 1,218 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6931% | 1,215 |
| Cost of funding earning assets | 0.2401% | 4,647 |
| Net interest margin | 4.4530% | 687 |
| Noninterest income to average assets | 0.9321% | 1,181 |
| Noninterest expense to average assets | 3.3484% | 1,292 |
| Loan and lease loss provision to assets | 0.1027% | 2,171 |
| Net operating income to assets | 1.4795% | 848 |
| Return on assets (ROA) | 1.5089% | 801 |
| Pretax return on assets | 1.5089% | 1,605 |
| Return on Equity (ROE) | 13.1487% | 918 |
| Retained earnings to average equity (ytd only) | 1.6504% | 4,311 |
| Net charge-offs to loans | 0.0899% | 2,192 |
| Credit loss provision to net charge-offs | 173.3154% | 1,563 |
| Earnings coverage of net charge-offs (x) | 26.7062% | 1,662 |
| Efficiency ratio | 67.1341% | 3,059 |
| Assets per employee ($millions) | 4.6011% | 3,027 |
| Cash dividends to net income (ytd only)* | 87.4484% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,802 |
| Loan loss allowance to noncurrent loans | 89.4696% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.0156% | 1,512 |
| Noncurrent loans to loans | 1.5551% | 1,090 |
| Net loans and leases to total assets | 64.3056% | 3,336 |
| Net loans and leases to deposits | 73.1934% | 3,579 |
| Net loans and leases to core deposits | 81.0463% | 3,331 |
| Total domestic deposits to total assets | 87.8571% | 1,576 |
| Equity capital to assets | 11.1036% | 2,537 |
| Core capital (leverage) ratio | 10.0787% | 3,350 |
| Tier 1 risk-based capital ratio | 13.2788% | 3,750 |
| Total risk-based capital ratio | 14.5116% | 3,685 |
| Memoranda: | ||
| Average total assets | $626,234,800 | 1,154 |
| Average earning assets | $562,317,400 | 1,179 |
| Average equity | $71,862,600 | 1,109 |
| Average total loans | $412,475,600 | 1,204 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 1,132 |
| Cost of funding earning assets | 0.2309% | 4,736 |
| Net interest margin | 4.4700% | 637 |
| Noninterest income to average assets | 0.9442% | 1,158 |
| Noninterest expense to average assets | 3.3502% | 1,246 |
| Loan and lease loss provision to assets | 0.1087% | 1,958 |
| Net operating income to assets | 1.5039% | 889 |
| Return on assets (ROA) | 1.5433% | 835 |
| Pretax return on assets | 1.5433% | 1,606 |
| Return on Equity (ROE) | 13.3376% | 976 |
| Retained earnings to average equity (ytd only) | 4.1493% | 3,439 |
| Net charge-offs to loans | 0.0891% | 1,906 |
| Credit loss provision to net charge-offs | 184.7273% | 1,436 |
| Earnings coverage of net charge-offs (x) | 27.3962% | 1,637 |
| Efficiency ratio | 66.7299% | 3,093 |
| Assets per employee ($millions) | 4.5189% | 3,103 |
| Cash dividends to net income (ytd only)* | 68.8904% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 1,844 |
| Loan loss allowance to noncurrent loans | 267.2230% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 3,682 |
| Noncurrent loans to loans | 0.5271% | 3,116 |
| Net loans and leases to total assets | 63.7734% | 3,441 |
| Net loans and leases to deposits | 73.1377% | 3,653 |
| Net loans and leases to core deposits | 77.0630% | 3,722 |
| Total domestic deposits to total assets | 87.1964% | 1,777 |
| Equity capital to assets | 11.6107% | 2,266 |
| Core capital (leverage) ratio | 10.3516% | 3,139 |
| Tier 1 risk-based capital ratio | 13.7756% | 3,534 |
| Total risk-based capital ratio | 15.0252% | 3,471 |
| Memoranda: | ||
| Average total assets | $622,905,500 | 1,168 |
| Average earning assets | $560,012,250 | 1,193 |
| Average equity | $72,075,000 | 1,110 |
| Average total loans | $411,326,750 | 1,220 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 1,143 |
| Cost of funding earning assets | 0.2246% | 4,764 |
| Net interest margin | 4.4350% | 656 |
| Noninterest income to average assets | 0.9276% | 1,189 |
| Noninterest expense to average assets | 3.3441% | 1,284 |
| Loan and lease loss provision to assets | 0.1172% | 1,755 |
| Net operating income to assets | 1.4560% | 939 |
| Return on assets (ROA) | 1.4592% | 961 |
| Pretax return on assets | 1.4592% | 1,798 |
| Return on Equity (ROE) | 12.6258% | 1,133 |
| Retained earnings to average equity (ytd only) | 4.4097% | 3,084 |
| Net charge-offs to loans | 0.1034% | 1,597 |
| Credit loss provision to net charge-offs | 170.4225% | 1,404 |
| Earnings coverage of net charge-offs (x) | 22.8826% | 1,692 |
| Efficiency ratio | 67.2202% | 3,149 |
| Assets per employee ($millions) | 4.4182% | 3,239 |
| Cash dividends to net income (ytd only)* | 65.0741% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 1,968 |
| Loan loss allowance to noncurrent loans | 278.0715% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 3,819 |
| Noncurrent loans to loans | 0.5018% | 3,247 |
| Net loans and leases to total assets | 63.9847% | 3,386 |
| Net loans and leases to deposits | 73.3737% | 3,611 |
| Net loans and leases to core deposits | 76.9215% | 3,688 |
| Total domestic deposits to total assets | 87.2038% | 1,853 |
| Equity capital to assets | 11.7042% | 2,147 |
| Core capital (leverage) ratio | 10.3610% | 3,057 |
| Tier 1 risk-based capital ratio | 13.8242% | 3,521 |
| Total risk-based capital ratio | 15.0741% | 3,442 |
| Memoranda: | ||
| Average total assets | $619,657,670 | 1,176 |
| Average earning assets | $557,426,670 | 1,197 |
| Average equity | $71,615,000 | 1,113 |
| Average total loans | $412,027,000 | 1,215 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6756% | 977 |
| Cost of funding earning assets | 0.2202% | 4,803 |
| Net interest margin | 4.4554% | 564 |
| Noninterest income to average assets | 0.8977% | 1,253 |
| Noninterest expense to average assets | 3.4018% | 1,203 |
| Loan and lease loss provision to assets | 0.1481% | 1,260 |
| Net operating income to assets | 1.3556% | 1,102 |
| Return on assets (ROA) | 1.3556% | 1,137 |
| Pretax return on assets | 1.3556% | 2,042 |
| Return on Equity (ROE) | 11.8064% | 1,299 |
| Retained earnings to average equity (ytd only) | 5.8834% | 2,397 |
| Net charge-offs to loans | 0.0608% | 1,720 |
| Credit loss provision to net charge-offs | 361.9048% | 698 |
| Earnings coverage of net charge-offs (x) | 36.7460% | 1,089 |
| Efficiency ratio | 68.5514% | 3,118 |
| Assets per employee ($millions) | 4.3846% | 3,362 |
| Cash dividends to net income (ytd only)* | 50.1677% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 2,210 |
| Loan loss allowance to noncurrent loans | 280.4530% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 3,884 |
| Noncurrent loans to loans | 0.4886% | 3,339 |
| Net loans and leases to total assets | 66.3152% | 2,927 |
| Net loans and leases to deposits | 75.9487% | 3,202 |
| Net loans and leases to core deposits | 79.6991% | 3,321 |
| Total domestic deposits to total assets | 87.3158% | 2,067 |
| Equity capital to assets | 11.5757% | 2,131 |
| Core capital (leverage) ratio | 10.2877% | 3,128 |
| Tier 1 risk-based capital ratio | 13.6490% | 3,685 |
| Total risk-based capital ratio | 14.8994% | 3,590 |
| Memoranda: | ||
| Average total assets | $615,796,500 | 1,180 |
| Average earning assets | $553,937,500 | 1,200 |
| Average equity | $70,707,500 | 1,125 |
| Average total loans | $414,486,500 | 1,209 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 1,184 |
| Cost of funding earning assets | 0.1754% | 5,249 |
| Net interest margin | 4.4671% | 665 |
| Noninterest income to average assets | 0.8924% | 1,436 |
| Noninterest expense to average assets | 3.2496% | 1,686 |
| Loan and lease loss provision to assets | 0.1360% | 1,838 |
| Net operating income to assets | 1.5323% | 780 |
| Return on assets (ROA) | 1.5840% | 736 |
| Pretax return on assets | 1.5840% | 1,337 |
| Return on Equity (ROE) | 13.1622% | 957 |
| Retained earnings to average equity (ytd only) | 1.0329% | 4,908 |
| Net charge-offs to loans | 0.2206% | 1,252 |
| Credit loss provision to net charge-offs | 94.0315% | 2,725 |
| Earnings coverage of net charge-offs (x) | 11.5327% | 2,532 |
| Efficiency ratio | 65.2809% | 3,710 |
| Assets per employee ($millions) | 4.4127% | 3,250 |
| Cash dividends to net income (ytd only)* | 92.1526% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 2,346 |
| Loan loss allowance to noncurrent loans | 321.1963% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 4,067 |
| Noncurrent loans to loans | 0.4166% | 3,650 |
| Net loans and leases to total assets | 66.4803% | 3,004 |
| Net loans and leases to deposits | 77.2933% | 3,175 |
| Net loans and leases to core deposits | 81.0961% | 3,302 |
| Total domestic deposits to total assets | 86.0103% | 2,580 |
| Equity capital to assets | 11.3881% | 2,257 |
| Core capital (leverage) ratio | 10.2132% | 3,209 |
| Tier 1 risk-based capital ratio | 13.4074% | 3,831 |
| Total risk-based capital ratio | 14.6215% | 3,756 |
| Memoranda: | ||
| Average total assets | $613,838,600 | 1,142 |
| Average earning assets | $553,160,800 | 1,163 |
| Average equity | $73,870,600 | 1,073 |
| Average total loans | $402,594,000 | 1,196 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6555% | 1,174 |
| Cost of funding earning assets | 0.1604% | 5,411 |
| Net interest margin | 4.4951% | 639 |
| Noninterest income to average assets | 0.8908% | 1,435 |
| Noninterest expense to average assets | 3.2412% | 1,706 |
| Loan and lease loss provision to assets | 0.1535% | 1,518 |
| Net operating income to assets | 1.5490% | 800 |
| Return on assets (ROA) | 1.6029% | 765 |
| Pretax return on assets | 1.6029% | 1,369 |
| Return on Equity (ROE) | 13.1433% | 1,014 |
| Retained earnings to average equity (ytd only) | 4.0600% | 3,411 |
| Net charge-offs to loans | 0.1017% | 1,930 |
| Credit loss provision to net charge-offs | 231.8033% | 1,268 |
| Earnings coverage of net charge-offs (x) | 25.7047% | 1,628 |
| Efficiency ratio | 64.7705% | 3,796 |
| Assets per employee ($millions) | 4.3935% | 3,262 |
| Cash dividends to net income (ytd only)* | 69.1098% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 1,795 |
| Loan loss allowance to noncurrent loans | 509.4468% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 4,420 |
| Noncurrent loans to loans | 0.2925% | 4,208 |
| Net loans and leases to total assets | 64.7892% | 3,300 |
| Net loans and leases to deposits | 75.0488% | 3,494 |
| Net loans and leases to core deposits | 78.7949% | 3,576 |
| Total domestic deposits to total assets | 86.3293% | 2,200 |
| Equity capital to assets | 12.5372% | 1,752 |
| Core capital (leverage) ratio | 10.5284% | 2,965 |
| Tier 1 risk-based capital ratio | 14.1105% | 3,500 |
| Total risk-based capital ratio | 15.3620% | 3,422 |
| Memoranda: | ||
| Average total assets | $613,956,500 | 1,144 |
| Average earning assets | $553,562,750 | 1,163 |
| Average equity | $74,875,500 | 1,064 |
| Average total loans | $399,917,750 | 1,202 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 1,122 |
| Cost of funding earning assets | 0.1455% | 5,578 |
| Net interest margin | 4.5216% | 591 |
| Noninterest income to average assets | 0.8721% | 1,464 |
| Noninterest expense to average assets | 3.2112% | 1,785 |
| Loan and lease loss provision to assets | 0.1954% | 1,108 |
| Net operating income to assets | 1.5479% | 809 |
| Return on assets (ROA) | 1.5749% | 808 |
| Pretax return on assets | 1.5749% | 1,440 |
| Return on Equity (ROE) | 13.0342% | 1,019 |
| Retained earnings to average equity (ytd only) | 2.0158% | 4,553 |
| Net charge-offs to loans | 0.2750% | 869 |
| Credit loss provision to net charge-offs | 109.4718% | 1,968 |
| Earnings coverage of net charge-offs (x) | 9.7650% | 2,386 |
| Efficiency ratio | 64.0260% | 4,011 |
| Assets per employee ($millions) | 4.3415% | 3,309 |
| Cash dividends to net income (ytd only)* | 84.5344% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 2,248 |
| Loan loss allowance to noncurrent loans | 687.3171% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 4,008 |
| Noncurrent loans to loans | 0.2051% | 4,622 |
| Net loans and leases to total assets | 64.8387% | 3,248 |
| Net loans and leases to deposits | 74.8471% | 3,495 |
| Net loans and leases to core deposits | 78.0520% | 3,638 |
| Total domestic deposits to total assets | 86.6282% | 2,095 |
| Equity capital to assets | 12.3492% | 1,868 |
| Core capital (leverage) ratio | 10.1736% | 3,361 |
| Tier 1 risk-based capital ratio | 13.6200% | 3,823 |
| Total risk-based capital ratio | 14.8700% | 3,748 |
| Memoranda: | ||
| Average total assets | $615,041,670 | 1,148 |
| Average earning assets | $555,288,330 | 1,167 |
| Average equity | $74,312,330 | 1,076 |
| Average total loans | $399,339,000 | 1,211 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 853 |
| Cost of funding earning assets | 0.1431% | 5,653 |
| Net interest margin | 4.6527% | 461 |
| Noninterest income to average assets | 0.8185% | 1,563 |
| Noninterest expense to average assets | 3.1694% | 1,907 |
| Loan and lease loss provision to assets | 0.2800% | 589 |
| Net operating income to assets | 1.5744% | 743 |
| Return on assets (ROA) | 1.6280% | 705 |
| Pretax return on assets | 1.6280% | 1,229 |
| Return on Equity (ROE) | 13.6221% | 905 |
| Retained earnings to average equity (ytd only) | 7.3466% | 1,732 |
| Net charge-offs to loans | 0.2004% | 994 |
| Credit loss provision to net charge-offs | 216.5000% | 1,029 |
| Earnings coverage of net charge-offs (x) | 14.3400% | 1,702 |
| Efficiency ratio | 62.3166% | 4,401 |
| Assets per employee ($millions) | 4.4275% | 3,205 |
| Cash dividends to net income (ytd only)* | 46.0683% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 2,252 |
| Loan loss allowance to noncurrent loans | 674.8260% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 3,994 |
| Noncurrent loans to loans | 0.2132% | 4,665 |
| Net loans and leases to total assets | 65.2317% | 3,077 |
| Net loans and leases to deposits | 75.4190% | 3,285 |
| Net loans and leases to core deposits | 79.3031% | 3,385 |
| Total domestic deposits to total assets | 86.4924% | 2,446 |
| Equity capital to assets | 12.3175% | 1,815 |
| Core capital (leverage) ratio | 10.2152% | 3,298 |
| Tier 1 risk-based capital ratio | 13.6569% | 3,898 |
| Total risk-based capital ratio | 14.9075% | 3,823 |
| Memoranda: | ||
| Average total assets | $618,657,000 | 1,141 |
| Average earning assets | $559,156,500 | 1,161 |
| Average equity | $73,938,500 | 1,076 |
| Average total loans | $399,142,000 | 1,206 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4774% | 1,671 |
| Cost of funding earning assets | 0.1594% | 5,619 |
| Net interest margin | 4.3179% | 932 |
| Noninterest income to average assets | 0.8079% | 1,758 |
| Noninterest expense to average assets | 3.0587% | 2,355 |
| Loan and lease loss provision to assets | 0.0881% | 2,537 |
| Net operating income to assets | 1.5684% | 753 |
| Return on assets (ROA) | 1.5697% | 774 |
| Pretax return on assets | 1.5697% | 1,341 |
| Return on Equity (ROE) | 13.0721% | 1,044 |
| Retained earnings to average equity (ytd only) | 1.1704% | 5,042 |
| Net charge-offs to loans | 0.2734% | 1,109 |
| Credit loss provision to net charge-offs | 52.6621% | 3,367 |
| Earnings coverage of net charge-offs (x) | 9.9042% | 2,762 |
| Efficiency ratio | 64.0444% | 4,252 |
| Assets per employee ($millions) | 4.5059% | 3,041 |
| Cash dividends to net income (ytd only)* | 91.0469% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 2,337 |
| Loan loss allowance to noncurrent loans | 1,221.8818% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 4,191 |
| Noncurrent loans to loans | 0.1160% | 5,031 |
| Net loans and leases to total assets | 62.0004% | 3,566 |
| Net loans and leases to deposits | 73.4995% | 3,551 |
| Net loans and leases to core deposits | 76.1300% | 3,743 |
| Total domestic deposits to total assets | 84.3549% | 3,351 |
| Equity capital to assets | 11.5943% | 2,283 |
| Core capital (leverage) ratio | 9.9460% | 3,582 |
| Tier 1 risk-based capital ratio | 13.4944% | 4,011 |
| Total risk-based capital ratio | 14.7444% | 3,946 |
| Memoranda: | ||
| Average total assets | $617,618,600 | 1,106 |
| Average earning assets | $558,878,800 | 1,127 |
| Average equity | $74,165,400 | 1,029 |
| Average total loans | $377,790,000 | 1,218 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 1,707 |
| Cost of funding earning assets | 0.1640% | 5,673 |
| Net interest margin | 4.3024% | 954 |
| Noninterest income to average assets | 0.8046% | 1,785 |
| Noninterest expense to average assets | 3.0505% | 2,361 |
| Loan and lease loss provision to assets | 0.0626% | 2,933 |
| Net operating income to assets | 1.5852% | 794 |
| Return on assets (ROA) | 1.5869% | 831 |
| Pretax return on assets | 1.5869% | 1,422 |
| Return on Equity (ROE) | 13.1001% | 1,100 |
| Retained earnings to average equity (ytd only) | 3.9685% | 3,647 |
| Net charge-offs to loans | 0.3549% | 743 |
| Credit loss provision to net charge-offs | 29.0452% | 3,280 |
| Earnings coverage of net charge-offs (x) | 7.6442% | 2,892 |
| Efficiency ratio | 64.0983% | 4,229 |
| Assets per employee ($millions) | 4.3240% | 3,280 |
| Cash dividends to net income (ytd only)* | 69.7065% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 2,287 |
| Loan loss allowance to noncurrent loans | 2,226.9710% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 4,376 |
| Noncurrent loans to loans | 0.0660% | 5,349 |
| Net loans and leases to total assets | 59.0294% | 4,007 |
| Net loans and leases to deposits | 68.2107% | 4,175 |
| Net loans and leases to core deposits | 70.8228% | 4,291 |
| Total domestic deposits to total assets | 86.5399% | 2,259 |
| Equity capital to assets | 12.3358% | 1,846 |
| Core capital (leverage) ratio | 10.2818% | 3,272 |
| Tier 1 risk-based capital ratio | 14.6215% | 3,490 |
| Total risk-based capital ratio | 15.8717% | 3,418 |
| Memoranda: | ||
| Average total assets | $615,442,500 | 1,115 |
| Average earning assets | $556,982,250 | 1,131 |
| Average equity | $74,552,250 | 1,030 |
| Average total loans | $373,760,750 | 1,228 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,728 |
| Cost of funding earning assets | 0.1702% | 5,691 |
| Net interest margin | 4.2663% | 982 |
| Noninterest income to average assets | 0.7749% | 1,899 |
| Noninterest expense to average assets | 3.0776% | 2,311 |
| Loan and lease loss provision to assets | 0.0661% | 2,795 |
| Net operating income to assets | 1.4889% | 915 |
| Return on assets (ROA) | 1.4915% | 956 |
| Pretax return on assets | 1.4915% | 1,673 |
| Return on Equity (ROE) | 12.3875% | 1,261 |
| Retained earnings to average equity (ytd only) | 7.7651% | 1,361 |
| Net charge-offs to loans | 0.4626% | 552 |
| Credit loss provision to net charge-offs | 23.4214% | 2,983 |
| Earnings coverage of net charge-offs (x) | 5.5109% | 2,917 |
| Efficiency ratio | 65.5944% | 4,084 |
| Assets per employee ($millions) | 4.3615% | 3,191 |
| Cash dividends to net income (ytd only)* | 37.3154% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 2,391 |
| Loan loss allowance to noncurrent loans | 1,225.8503% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 4,349 |
| Noncurrent loans to loans | 0.1205% | 5,279 |
| Net loans and leases to total assets | 59.0437% | 3,971 |
| Net loans and leases to deposits | 68.0519% | 4,129 |
| Net loans and leases to core deposits | 70.5456% | 4,274 |
| Total domestic deposits to total assets | 86.7627% | 2,289 |
| Equity capital to assets | 12.2722% | 1,827 |
| Core capital (leverage) ratio | 10.2765% | 3,245 |
| Tier 1 risk-based capital ratio | 14.6192% | 3,569 |
| Total risk-based capital ratio | 15.8695% | 3,495 |
| Memoranda: | ||
| Average total assets | $617,360,330 | 1,117 |
| Average earning assets | $558,239,670 | 1,127 |
| Average equity | $74,333,000 | 1,037 |
| Average total loans | $376,593,330 | 1,225 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 1,752 |
| Cost of funding earning assets | 0.1739% | 5,736 |
| Net interest margin | 4.2312% | 1,010 |
| Noninterest income to average assets | 0.7533% | 1,893 |
| Noninterest expense to average assets | 3.1047% | 2,252 |
| Loan and lease loss provision to assets | 0.0722% | 2,491 |
| Net operating income to assets | 1.4177% | 1,001 |
| Return on assets (ROA) | 1.4228% | 1,045 |
| Pretax return on assets | 1.4228% | 1,801 |
| Return on Equity (ROE) | 11.9301% | 1,370 |
| Retained earnings to average equity (ytd only) | 6.8944% | 2,054 |
| Net charge-offs to loans | 0.5446% | 453 |
| Credit loss provision to net charge-offs | 21.5385% | 2,346 |
| Earnings coverage of net charge-offs (x) | 4.4462% | 2,495 |
| Efficiency ratio | 66.7321% | 4,023 |
| Assets per employee ($millions) | 4.3359% | 3,317 |
| Cash dividends to net income (ytd only)* | 42.2101% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 2,486 |
| Loan loss allowance to noncurrent loans | 714.3758% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 4,175 |
| Noncurrent loans to loans | 0.2085% | 5,035 |
| Net loans and leases to total assets | 60.0038% | 3,650 |
| Net loans and leases to deposits | 68.9470% | 3,862 |
| Net loans and leases to core deposits | 71.4394% | 4,017 |
| Total domestic deposits to total assets | 87.0289% | 2,352 |
| Equity capital to assets | 12.0072% | 2,022 |
| Core capital (leverage) ratio | 9.8961% | 3,756 |
| Tier 1 risk-based capital ratio | 13.9828% | 4,038 |
| Total risk-based capital ratio | 15.2335% | 3,950 |
| Memoranda: | ||
| Average total assets | $620,733,500 | 1,119 |
| Average earning assets | $563,530,500 | 1,123 |
| Average equity | $74,031,500 | 1,043 |
| Average total loans | $381,922,500 | 1,208 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 1,784 |
| Cost of funding earning assets | 0.1868% | 5,861 |
| Net interest margin | 4.3355% | 985 |
| Noninterest income to average assets | 0.8245% | 1,780 |
| Noninterest expense to average assets | 3.0843% | 2,576 |
| Loan and lease loss provision to assets | 0.0595% | 3,342 |
| Net operating income to assets | 1.6082% | 701 |
| Return on assets (ROA) | 1.6084% | 729 |
| Pretax return on assets | 1.6084% | 1,215 |
| Return on Equity (ROE) | 13.4955% | 1,041 |
| Retained earnings to average equity (ytd only) | 1.9516% | 4,821 |
| Net charge-offs to loans | 0.0902% | 3,205 |
| Credit loss provision to net charge-offs | 107.8313% | 2,216 |
| Earnings coverage of net charge-offs (x) | 30.2139% | 1,328 |
| Efficiency ratio | 64.0543% | 4,577 |
| Assets per employee ($millions) | 4.3458% | 3,276 |
| Cash dividends to net income (ytd only)* | 85.5386% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 2,149 |
| Loan loss allowance to noncurrent loans | 1,137.2659% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 4,191 |
| Noncurrent loans to loans | 0.1392% | 5,337 |
| Net loans and leases to total assets | 61.1672% | 3,616 |
| Net loans and leases to deposits | 71.5539% | 3,730 |
| Net loans and leases to core deposits | 74.1706% | 3,906 |
| Total domestic deposits to total assets | 85.4841% | 3,089 |
| Equity capital to assets | 11.8447% | 2,137 |
| Core capital (leverage) ratio | 9.8483% | 3,773 |
| Tier 1 risk-based capital ratio | 13.7793% | 4,248 |
| Total risk-based capital ratio | 15.0313% | 4,182 |
| Memoranda: | ||
| Average total assets | $601,463,000 | 1,103 |
| Average earning assets | $544,869,800 | 1,106 |
| Average equity | $71,683,200 | 1,022 |
| Average total loans | $367,875,200 | 1,200 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 1,802 |
| Cost of funding earning assets | 0.1875% | 5,944 |
| Net interest margin | 4.3320% | 983 |
| Noninterest income to average assets | 0.8106% | 1,851 |
| Noninterest expense to average assets | 3.0488% | 2,641 |
| Loan and lease loss provision to assets | 0.0620% | 3,117 |
| Net operating income to assets | 1.6235% | 711 |
| Return on assets (ROA) | 1.6235% | 740 |
| Pretax return on assets | 1.6235% | 1,252 |
| Return on Equity (ROE) | 13.6002% | 1,073 |
| Retained earnings to average equity (ytd only) | 3.9085% | 3,869 |
| Net charge-offs to loans | 0.1246% | 2,563 |
| Credit loss provision to net charge-offs | 81.7647% | 2,563 |
| Earnings coverage of net charge-offs (x) | 22.2177% | 1,637 |
| Efficiency ratio | 63.5357% | 4,623 |
| Assets per employee ($millions) | 4.4266% | 3,092 |
| Cash dividends to net income (ytd only)* | 71.2617% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 2,171 |
| Loan loss allowance to noncurrent loans | 1,192.2311% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 4,349 |
| Noncurrent loans to loans | 0.1375% | 5,516 |
| Net loans and leases to total assets | 59.2175% | 3,901 |
| Net loans and leases to deposits | 67.9684% | 4,131 |
| Net loans and leases to core deposits | 70.4691% | 4,284 |
| Total domestic deposits to total assets | 87.1251% | 2,248 |
| Equity capital to assets | 11.9583% | 2,092 |
| Core capital (leverage) ratio | 10.2516% | 3,336 |
| Tier 1 risk-based capital ratio | 13.9018% | 4,289 |
| Total risk-based capital ratio | 15.1534% | 4,228 |
| Memoranda: | ||
| Average total assets | $597,553,250 | 1,118 |
| Average earning assets | $541,230,500 | 1,126 |
| Average equity | $71,330,500 | 1,033 |
| Average total loans | $363,959,750 | 1,214 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 1,783 |
| Cost of funding earning assets | 0.1885% | 6,014 |
| Net interest margin | 4.3279% | 973 |
| Noninterest income to average assets | 0.8043% | 1,822 |
| Noninterest expense to average assets | 3.0559% | 2,643 |
| Loan and lease loss provision to assets | 0.0935% | 2,463 |
| Net operating income to assets | 1.5695% | 761 |
| Return on assets (ROA) | 1.5695% | 792 |
| Pretax return on assets | 1.5695% | 1,332 |
| Return on Equity (ROE) | 13.1560% | 1,132 |
| Retained earnings to average equity (ytd only) | 3.3186% | 4,086 |
| Net charge-offs to loans | 0.1045% | 2,635 |
| Credit loss provision to net charge-offs | 146.3158% | 1,482 |
| Earnings coverage of net charge-offs (x) | 26.0211% | 1,388 |
| Efficiency ratio | 63.8820% | 4,706 |
| Assets per employee ($millions) | 4.2159% | 3,431 |
| Cash dividends to net income (ytd only)* | 74.7750% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 2,115 |
| Loan loss allowance to noncurrent loans | 454.1081% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7207% | 3,819 |
| Noncurrent loans to loans | 0.3756% | 4,870 |
| Net loans and leases to total assets | 58.6381% | 3,910 |
| Net loans and leases to deposits | 67.3121% | 4,138 |
| Net loans and leases to core deposits | 69.5589% | 4,310 |
| Total domestic deposits to total assets | 87.1137% | 2,393 |
| Equity capital to assets | 12.0228% | 1,964 |
| Core capital (leverage) ratio | 10.2002% | 3,341 |
| Tier 1 risk-based capital ratio | 14.2305% | 4,109 |
| Total risk-based capital ratio | 15.4833% | 4,039 |
| Memoranda: | ||
| Average total assets | $594,588,000 | 1,121 |
| Average earning assets | $537,819,000 | 1,126 |
| Average equity | $70,933,670 | 1,025 |
| Average total loans | $363,576,670 | 1,213 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 1,892 |
| Cost of funding earning assets | 0.1902% | 6,078 |
| Net interest margin | 4.2823% | 1,032 |
| Noninterest income to average assets | 0.8278% | 1,644 |
| Noninterest expense to average assets | 3.0546% | 2,682 |
| Loan and lease loss provision to assets | 0.1545% | 1,572 |
| Net operating income to assets | 1.4924% | 833 |
| Return on assets (ROA) | 1.4924% | 859 |
| Pretax return on assets | 1.4924% | 1,450 |
| Return on Equity (ROE) | 12.5600% | 1,273 |
| Retained earnings to average equity (ytd only) | 7.0468% | 2,026 |
| Net charge-offs to loans | 0.1007% | 2,163 |
| Credit loss provision to net charge-offs | 247.8261% | 914 |
| Earnings coverage of net charge-offs (x) | 26.4239% | 1,130 |
| Efficiency ratio | 64.0634% | 4,848 |
| Assets per employee ($millions) | 4.2347% | 3,464 |
| Cash dividends to net income (ytd only)* | 43.8947% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 2,345 |
| Loan loss allowance to noncurrent loans | 547.6528% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.7226% | 3,956 |
| Noncurrent loans to loans | 0.3107% | 5,172 |
| Net loans and leases to total assets | 60.2544% | 3,520 |
| Net loans and leases to deposits | 69.1783% | 3,714 |
| Net loans and leases to core deposits | 71.6329% | 3,908 |
| Total domestic deposits to total assets | 87.1000% | 2,746 |
| Equity capital to assets | 12.1031% | 1,805 |
| Core capital (leverage) ratio | 10.2470% | 3,221 |
| Tier 1 risk-based capital ratio | 14.3682% | 4,085 |
| Total risk-based capital ratio | 15.6213% | 4,041 |
| Memoranda: | ||
| Average total assets | $590,445,500 | 1,133 |
| Average earning assets | $534,101,500 | 1,148 |
| Average equity | $70,159,500 | 1,037 |
| Average total loans | $365,541,000 | 1,211 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6060% | 1,859 |
| Cost of funding earning assets | 0.2280% | 6,119 |
| Net interest margin | 4.3780% | 946 |
| Noninterest income to average assets | 0.8202% | 1,982 |
| Noninterest expense to average assets | 3.2038% | 2,406 |
| Loan and lease loss provision to assets | 0.2214% | 1,648 |
| Net operating income to assets | 1.4557% | 905 |
| Return on assets (ROA) | 1.4558% | 948 |
| Pretax return on assets | 1.3468% | 1,980 |
| Return on Equity (ROE) | 11.8723% | 1,464 |
| Retained earnings to average equity (ytd only) | 3.2417% | 3,924 |
| Net charge-offs to loans | 0.2072% | 2,803 |
| Credit loss provision to net charge-offs | 182.2443% | 1,264 |
| Earnings coverage of net charge-offs (x) | 12.9091% | 2,084 |
| Efficiency ratio | 66.0882% | 4,541 |
| Assets per employee ($millions) | 4.3558% | 3,163 |
| Cash dividends to net income (ytd only)* | 72.6950% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 2,594 |
| Loan loss allowance to noncurrent loans | 536.0816% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.7224% | 4,076 |
| Noncurrent loans to loans | 0.3068% | 5,268 |
| Net loans and leases to total assets | 61.4981% | 3,439 |
| Net loans and leases to deposits | 72.3168% | 3,484 |
| Net loans and leases to core deposits | 74.6744% | 3,770 |
| Total domestic deposits to total assets | 85.0399% | 3,725 |
| Equity capital to assets | 11.6600% | 2,054 |
| Core capital (leverage) ratio | 10.0895% | 3,450 |
| Tier 1 risk-based capital ratio | 14.0154% | 4,285 |
| Total risk-based capital ratio | 15.2681% | 4,221 |
| Memoranda: | ||
| Average total assets | $579,601,600 | 1,149 |
| Average earning assets | $523,143,800 | 1,157 |
| Average equity | $71,072,800 | 1,001 |
| Average total loans | $339,702,000 | 1,257 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5935% | 1,930 |
| Cost of funding earning assets | 0.2361% | 6,185 |
| Net interest margin | 4.3574% | 971 |
| Noninterest income to average assets | 0.8201% | 2,056 |
| Noninterest expense to average assets | 3.2752% | 2,130 |
| Loan and lease loss provision to assets | 0.1554% | 2,318 |
| Net operating income to assets | 1.4458% | 991 |
| Return on assets (ROA) | 1.4460% | 1,049 |
| Pretax return on assets | 1.3218% | 2,251 |
| Return on Equity (ROE) | 11.6464% | 1,601 |
| Retained earnings to average equity (ytd only) | 6.8748% | 1,938 |
| Net charge-offs to loans | 0.2605% | 2,253 |
| Credit loss provision to net charge-offs | 103.5385% | 2,263 |
| Earnings coverage of net charge-offs (x) | 9.8415% | 2,429 |
| Efficiency ratio | 67.8667% | 4,124 |
| Assets per employee ($millions) | 4.1367% | 3,567 |
| Cash dividends to net income (ytd only)* | 40.9708% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 3,092 |
| Loan loss allowance to noncurrent loans | 475.8232% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 4,158 |
| Noncurrent loans to loans | 0.3323% | 5,390 |
| Net loans and leases to total assets | 59.8728% | 3,716 |
| Net loans and leases to deposits | 68.9462% | 3,943 |
| Net loans and leases to core deposits | 71.3214% | 4,173 |
| Total domestic deposits to total assets | 86.8398% | 2,783 |
| Equity capital to assets | 12.2611% | 1,739 |
| Core capital (leverage) ratio | 10.5100% | 2,994 |
| Tier 1 risk-based capital ratio | 14.9514% | 3,782 |
| Total risk-based capital ratio | 16.2032% | 3,729 |
| Memoranda: | ||
| Average total assets | $577,493,000 | 1,164 |
| Average earning assets | $521,127,750 | 1,177 |
| Average equity | $71,699,750 | 1,002 |
| Average total loans | $332,708,000 | 1,287 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 2,387 |
| Cost of funding earning assets | 0.2451% | 6,209 |
| Net interest margin | 4.2045% | 1,263 |
| Noninterest income to average assets | 0.8094% | 2,148 |
| Noninterest expense to average assets | 3.3555% | 1,918 |
| Loan and lease loss provision to assets | 0.1114% | 2,949 |
| Net operating income to assets | 1.2769% | 1,383 |
| Return on assets (ROA) | 1.2772% | 1,473 |
| Pretax return on assets | 1.1358% | 2,945 |
| Return on Equity (ROE) | 10.2452% | 2,109 |
| Retained earnings to average equity (ytd only) | 6.9380% | 1,912 |
| Net charge-offs to loans | 0.2739% | 2,111 |
| Credit loss provision to net charge-offs | 71.9376% | 2,784 |
| Earnings coverage of net charge-offs (x) | 8.0490% | 2,462 |
| Efficiency ratio | 71.8366% | 3,501 |
| Assets per employee ($millions) | 4.2101% | 3,334 |
| Cash dividends to net income (ytd only)* | 32.2798% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 3,111 |
| Loan loss allowance to noncurrent loans | 154.1703% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2365% | 3,280 |
| Noncurrent loans to loans | 1.0452% | 3,846 |
| Net loans and leases to total assets | 56.5487% | 4,202 |
| Net loans and leases to deposits | 64.9179% | 4,386 |
| Net loans and leases to core deposits | 67.1052% | 4,582 |
| Total domestic deposits to total assets | 87.1080% | 2,752 |
| Equity capital to assets | 12.1448% | 1,814 |
| Core capital (leverage) ratio | 10.0396% | 3,455 |
| Tier 1 risk-based capital ratio | 15.2684% | 3,616 |
| Total risk-based capital ratio | 16.5203% | 3,569 |
| Memoranda: | ||
| Average total assets | $579,702,670 | 1,159 |
| Average earning assets | $522,961,670 | 1,171 |
| Average equity | $72,268,330 | 997 |
| Average total loans | $327,849,670 | 1,298 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 2,578 |
| Cost of funding earning assets | 0.2600% | 6,221 |
| Net interest margin | 4.1250% | 1,391 |
| Noninterest income to average assets | 0.8115% | 2,082 |
| Noninterest expense to average assets | 3.4235% | 1,776 |
| Loan and lease loss provision to assets | 0.0564% | 3,696 |
| Net operating income to assets | 1.1928% | 1,542 |
| Return on assets (ROA) | 1.1928% | 1,651 |
| Pretax return on assets | 1.0448% | 3,168 |
| Return on Equity (ROE) | 9.4470% | 2,296 |
| Retained earnings to average equity (ytd only) | 7.6645% | 1,871 |
| Net charge-offs to loans | 0.4429% | 1,343 |
| Credit loss provision to net charge-offs | 22.7147% | 3,001 |
| Earnings coverage of net charge-offs (x) | 4.4321% | 2,559 |
| Efficiency ratio | 74.6121% | 3,154 |
| Assets per employee ($millions) | 4.1270% | 3,684 |
| Cash dividends to net income (ytd only)* | 18.8690% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 3,609 |
| Loan loss allowance to noncurrent loans | 108.2620% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.8116% | 2,596 |
| Noncurrent loans to loans | 1.4332% | 3,418 |
| Net loans and leases to total assets | 56.5791% | 3,997 |
| Net loans and leases to deposits | 66.9047% | 3,926 |
| Net loans and leases to core deposits | 69.9492% | 4,091 |
| Total domestic deposits to total assets | 84.5667% | 4,240 |
| Equity capital to assets | 12.6060% | 1,646 |
| Core capital (leverage) ratio | 9.9219% | 3,500 |
| Tier 1 risk-based capital ratio | 14.4865% | 4,187 |
| Total risk-based capital ratio | 15.7375% | 4,150 |
| Memoranda: | ||
| Average total assets | $581,159,000 | 1,162 |
| Average earning assets | $523,157,000 | 1,182 |
| Average equity | $73,377,500 | 992 |
| Average total loans | $326,020,000 | 1,304 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6674% | 2,720 |
| Cost of funding earning assets | 0.4045% | 5,889 |
| Net interest margin | 4.2629% | 1,485 |
| Noninterest income to average assets | 0.6106% | 3,223 |
| Noninterest expense to average assets | 3.0462% | 3,108 |
| Loan and lease loss provision to assets | 0.2703% | 2,485 |
| Net operating income to assets | 0.5369% | 4,528 |
| Return on assets (ROA) | 0.9413% | 2,842 |
| Pretax return on assets | 1.7356% | 1,054 |
| Return on Equity (ROE) | 7.7261% | 3,219 |
| Retained earnings to average equity (ytd only) | 5.6686% | 2,274 |
| Net charge-offs to loans | 0.7369% | 1,600 |
| Credit loss provision to net charge-offs | 71.0562% | 4,125 |
| Earnings coverage of net charge-offs (x) | 3.6117% | 3,659 |
| Efficiency ratio | 67.5061% | 4,232 |
| Assets per employee ($millions) | 4.2059% | 3,542 |
| Cash dividends to net income (ytd only)* | 26.6303% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 2,852 |
| Loan loss allowance to noncurrent loans | 102.3587% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.9365% | 2,527 |
| Noncurrent loans to loans | 1.6819% | 3,101 |
| Net loans and leases to total assets | 53.7801% | 4,645 |
| Net loans and leases to deposits | 62.0371% | 4,779 |
| Net loans and leases to core deposits | 64.4458% | 4,913 |
| Total domestic deposits to total assets | 86.6902% | 2,999 |
| Equity capital to assets | 12.6461% | 1,614 |
| Core capital (leverage) ratio | 9.6111% | 3,946 |
| Tier 1 risk-based capital ratio | 14.6370% | 3,941 |
| Total risk-based capital ratio | 15.8896% | 3,899 |
| Memoranda: | ||
| Average total assets | $584,822,600 | 1,132 |
| Average earning assets | $522,649,600 | 1,156 |
| Average equity | $71,251,800 | 991 |
| Average total loans | $301,949,000 | 1,389 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6955% | 2,822 |
| Cost of funding earning assets | 0.4333% | 5,913 |
| Net interest margin | 4.2622% | 1,570 |
| Noninterest income to average assets | 0.6346% | 3,076 |
| Noninterest expense to average assets | 3.0677% | 2,987 |
| Loan and lease loss provision to assets | 0.2068% | 3,006 |
| Net operating income to assets | 0.9460% | 2,763 |
| Return on assets (ROA) | 1.1073% | 2,250 |
| Pretax return on assets | 1.3667% | 2,356 |
| Return on Equity (ROE) | 9.1747% | 2,720 |
| Retained earnings to average equity (ytd only) | 7.0366% | 2,107 |
| Net charge-offs to loans | 0.9301% | 1,166 |
| Credit loss provision to net charge-offs | 43.7229% | 4,535 |
| Earnings coverage of net charge-offs (x) | 2.9052% | 3,871 |
| Efficiency ratio | 67.7322% | 4,118 |
| Assets per employee ($millions) | 4.1241% | 3,641 |
| Cash dividends to net income (ytd only)* | 23.3045% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 3,282 |
| Loan loss allowance to noncurrent loans | 91.2482% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 2.0701% | 2,565 |
| Noncurrent loans to loans | 1.8226% | 3,047 |
| Net loans and leases to total assets | 50.6127% | 5,234 |
| Net loans and leases to deposits | 58.7989% | 5,340 |
| Net loans and leases to core deposits | 61.2340% | 5,434 |
| Total domestic deposits to total assets | 86.0777% | 3,208 |
| Equity capital to assets | 12.7858% | 1,721 |
| Core capital (leverage) ratio | 9.5697% | 4,160 |
| Tier 1 risk-based capital ratio | 15.0466% | 3,814 |
| Total risk-based capital ratio | 16.2980% | 3,765 |
| Memoranda: | ||
| Average total assets | $585,924,750 | 1,143 |
| Average earning assets | $523,407,250 | 1,168 |
| Average equity | $70,714,750 | 1,001 |
| Average total loans | $298,032,500 | 1,421 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 2,725 |
| Cost of funding earning assets | 0.4601% | 5,903 |
| Net interest margin | 4.2881% | 1,503 |
| Noninterest income to average assets | 0.7996% | 2,182 |
| Noninterest expense to average assets | 3.1795% | 2,655 |
| Loan and lease loss provision to assets | 0.2385% | 2,684 |
| Net operating income to assets | 0.9657% | 2,599 |
| Return on assets (ROA) | 1.1614% | 2,047 |
| Pretax return on assets | 1.4505% | 2,007 |
| Return on Equity (ROE) | 9.8135% | 2,440 |
| Retained earnings to average equity (ytd only) | 7.6493% | 1,787 |
| Net charge-offs to loans | 1.0961% | 991 |
| Credit loss provision to net charge-offs | 42.9358% | 4,194 |
| Earnings coverage of net charge-offs (x) | 2.6006% | 3,705 |
| Efficiency ratio | 67.5801% | 4,216 |
| Assets per employee ($millions) | 4.2140% | 3,429 |
| Cash dividends to net income (ytd only)* | 22.0532% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 2,995 |
| Loan loss allowance to noncurrent loans | 95.6064% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 2.1516% | 2,609 |
| Noncurrent loans to loans | 1.8381% | 3,169 |
| Net loans and leases to total assets | 49.4275% | 5,430 |
| Net loans and leases to deposits | 56.9160% | 5,558 |
| Net loans and leases to core deposits | 59.3528% | 5,662 |
| Total domestic deposits to total assets | 86.8428% | 2,865 |
| Equity capital to assets | 12.2146% | 1,997 |
| Core capital (leverage) ratio | 9.2217% | 4,573 |
| Tier 1 risk-based capital ratio | 14.7489% | 3,935 |
| Total risk-based capital ratio | 16.0011% | 3,892 |
| Memoranda: | ||
| Average total assets | $588,777,330 | 1,140 |
| Average earning assets | $525,083,330 | 1,169 |
| Average equity | $69,679,330 | 1,008 |
| Average total loans | $298,322,330 | 1,425 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 2,704 |
| Cost of funding earning assets | 0.4954% | 5,846 |
| Net interest margin | 4.2870% | 1,512 |
| Noninterest income to average assets | 0.6939% | 2,688 |
| Noninterest expense to average assets | 2.9748% | 3,360 |
| Loan and lease loss provision to assets | 0.3015% | 2,078 |
| Net operating income to assets | 0.9641% | 2,620 |
| Return on assets (ROA) | 1.2279% | 1,840 |
| Pretax return on assets | 1.5728% | 1,661 |
| Return on Equity (ROE) | 10.5432% | 2,216 |
| Retained earnings to average equity (ytd only) | 8.3496% | 1,840 |
| Net charge-offs to loans | 0.4705% | 1,910 |
| Credit loss provision to net charge-offs | 126.0623% | 1,901 |
| Earnings coverage of net charge-offs (x) | 6.4221% | 2,213 |
| Efficiency ratio | 64.7889% | 4,781 |
| Assets per employee ($millions) | 4.1864% | 3,604 |
| Cash dividends to net income (ytd only)* | 20.8057% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 2,143 |
| Loan loss allowance to noncurrent loans | 126.9490% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 2.0945% | 2,785 |
| Noncurrent loans to loans | 1.6402% | 3,640 |
| Net loans and leases to total assets | 49.0759% | 5,422 |
| Net loans and leases to deposits | 56.0539% | 5,595 |
| Net loans and leases to core deposits | 61.6117% | 5,367 |
| Total domestic deposits to total assets | 87.5513% | 2,618 |
| Equity capital to assets | 11.6209% | 2,330 |
| Core capital (leverage) ratio | 8.9077% | 4,984 |
| Tier 1 risk-based capital ratio | 13.6290% | 4,730 |
| Total risk-based capital ratio | 14.8836% | 4,711 |
| Memoranda: | ||
| Average total assets | $590,291,500 | 1,134 |
| Average earning assets | $525,588,000 | 1,166 |
| Average equity | $68,745,500 | 1,018 |
| Average total loans | $300,133,500 | 1,414 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 3,494 |
| Cost of funding earning assets | 0.7500% | 5,211 |
| Net interest margin | 4.1205% | 2,351 |
| Noninterest income to average assets | 0.5306% | 3,648 |
| Noninterest expense to average assets | 3.0776% | 3,280 |
| Loan and lease loss provision to assets | 0.2785% | 3,437 |
| Net operating income to assets | 0.7421% | 3,284 |
| Return on assets (ROA) | 0.8859% | 2,797 |
| Pretax return on assets | 1.0173% | 3,176 |
| Return on Equity (ROE) | 7.7843% | 3,020 |
| Retained earnings to average equity (ytd only) | 5.7318% | 2,158 |
| Net charge-offs to loans | 0.5349% | 2,867 |
| Credit loss provision to net charge-offs | 98.0161% | 3,665 |
| Earnings coverage of net charge-offs (x) | 3.9789% | 3,314 |
| Efficiency ratio | 71.8448% | 3,609 |
| Assets per employee ($millions) | 4.2472% | 3,375 |
| Cash dividends to net income (ytd only)* | 26.3671% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 2,205 |
| Loan loss allowance to noncurrent loans | 117.7876% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 2.1395% | 2,801 |
| Noncurrent loans to loans | 1.7164% | 3,586 |
| Net loans and leases to total assets | 50.5380% | 5,524 |
| Net loans and leases to deposits | 57.7935% | 5,714 |
| Net loans and leases to core deposits | 60.2678% | 5,827 |
| Total domestic deposits to total assets | 87.4457% | 2,498 |
| Equity capital to assets | 11.6715% | 2,361 |
| Core capital (leverage) ratio | 8.8477% | 5,024 |
| Tier 1 risk-based capital ratio | 13.2270% | 4,892 |
| Total risk-based capital ratio | 14.4812% | 4,869 |
| Memoranda: | ||
| Average total assets | $567,685,200 | 1,165 |
| Average earning assets | $506,665,000 | 1,195 |
| Average equity | $64,604,800 | 1,046 |
| Average total loans | $301,568,800 | 1,411 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 3,558 |
| Cost of funding earning assets | 0.7999% | 5,147 |
| Net interest margin | 4.0994% | 2,481 |
| Noninterest income to average assets | 0.4653% | 4,167 |
| Noninterest expense to average assets | 3.1502% | 2,995 |
| Loan and lease loss provision to assets | 0.2427% | 3,576 |
| Net operating income to assets | 0.6709% | 3,766 |
| Return on assets (ROA) | 0.7861% | 3,396 |
| Pretax return on assets | 0.8600% | 3,915 |
| Return on Equity (ROE) | 6.9541% | 3,547 |
| Retained earnings to average equity (ytd only) | 4.9663% | 3,191 |
| Net charge-offs to loans | 0.5092% | 2,724 |
| Credit loss provision to net charge-offs | 89.0530% | 3,799 |
| Earnings coverage of net charge-offs (x) | 3.5812% | 3,385 |
| Efficiency ratio | 75.0201% | 2,996 |
| Assets per employee ($millions) | 4.1934% | 3,457 |
| Cash dividends to net income (ytd only)* | 28.5843% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0013% | 2,333 |
| Loan loss allowance to noncurrent loans | 99.4054% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 2.3826% | 2,696 |
| Noncurrent loans to loans | 2.0133% | 3,347 |
| Net loans and leases to total assets | 50.9224% | 5,594 |
| Net loans and leases to deposits | 58.3043% | 5,815 |
| Net loans and leases to core deposits | 60.2752% | 5,969 |
| Total domestic deposits to total assets | 87.3391% | 2,449 |
| Equity capital to assets | 11.7090% | 2,484 |
| Core capital (leverage) ratio | 8.7874% | 5,285 |
| Tier 1 risk-based capital ratio | 13.5725% | 4,683 |
| Total risk-based capital ratio | 14.8205% | 4,656 |
| Memoranda: | ||
| Average total assets | $563,078,500 | 1,186 |
| Average earning assets | $502,856,750 | 1,207 |
| Average equity | $63,654,000 | 1,065 |
| Average total loans | $301,380,750 | 1,420 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9548% | 3,383 |
| Cost of funding earning assets | 0.8427% | 5,116 |
| Net interest margin | 4.1121% | 2,364 |
| Noninterest income to average assets | 0.5058% | 3,815 |
| Noninterest expense to average assets | 3.1817% | 2,967 |
| Loan and lease loss provision to assets | 0.2753% | 3,179 |
| Net operating income to assets | 0.6719% | 3,680 |
| Return on assets (ROA) | 0.7443% | 3,440 |
| Pretax return on assets | 0.8002% | 4,027 |
| Return on Equity (ROE) | 6.6661% | 3,607 |
| Retained earnings to average equity (ytd only) | 4.8262% | 3,102 |
| Net charge-offs to loans | 0.5205% | 2,538 |
| Credit loss provision to net charge-offs | 97.8344% | 3,226 |
| Earnings coverage of net charge-offs (x) | 3.5452% | 3,139 |
| Efficiency ratio | 74.8070% | 3,220 |
| Assets per employee ($millions) | 3.9749% | 3,807 |
| Cash dividends to net income (ytd only)* | 27.6012% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0522% | 2,231 |
| Loan loss allowance to noncurrent loans | 116.5715% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 2.6575% | 2,512 |
| Noncurrent loans to loans | 1.7605% | 3,808 |
| Net loans and leases to total assets | 51.8087% | 5,596 |
| Net loans and leases to deposits | 58.9441% | 5,826 |
| Net loans and leases to core deposits | 61.4825% | 5,944 |
| Total domestic deposits to total assets | 87.8946% | 2,213 |
| Equity capital to assets | 11.4061% | 2,597 |
| Core capital (leverage) ratio | 8.7272% | 5,180 |
| Tier 1 risk-based capital ratio | 13.5240% | 4,508 |
| Total risk-based capital ratio | 14.7796% | 4,491 |
| Memoranda: | ||
| Average total assets | $557,873,330 | 1,206 |
| Average earning assets | $498,383,000 | 1,220 |
| Average equity | $62,285,670 | 1,084 |
| Average total loans | $301,606,670 | 1,437 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 3,631 |
| Cost of funding earning assets | 0.8733% | 5,104 |
| Net interest margin | 4.0186% | 2,610 |
| Noninterest income to average assets | 0.7357% | 2,352 |
| Noninterest expense to average assets | 3.1577% | 3,037 |
| Loan and lease loss provision to assets | 0.4710% | 1,866 |
| Net operating income to assets | 0.6415% | 3,797 |
| Return on assets (ROA) | 0.7854% | 3,170 |
| Pretax return on assets | 0.8547% | 3,684 |
| Return on Equity (ROE) | 7.1132% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.8264% | 2,740 |
| Net charge-offs to loans | 0.9356% | 1,431 |
| Credit loss provision to net charge-offs | 92.1016% | 2,901 |
| Earnings coverage of net charge-offs (x) | 2.2863% | 3,170 |
| Efficiency ratio | 71.6953% | 3,928 |
| Assets per employee ($millions) | 4.0712% | 3,696 |
| Cash dividends to net income (ytd only)* | 18.0900% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0385% | 2,313 |
| Loan loss allowance to noncurrent loans | 113.2651% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 2.8318% | 2,436 |
| Noncurrent loans to loans | 1.7998% | 3,829 |
| Net loans and leases to total assets | 52.0730% | 5,576 |
| Net loans and leases to deposits | 59.0330% | 5,819 |
| Net loans and leases to core deposits | 61.6060% | 5,962 |
| Total domestic deposits to total assets | 88.2099% | 2,258 |
| Equity capital to assets | 11.0986% | 2,588 |
| Core capital (leverage) ratio | 8.6857% | 5,108 |
| Tier 1 risk-based capital ratio | 13.4883% | 4,421 |
| Total risk-based capital ratio | 14.7443% | 4,397 |
| Memoranda: | ||
| Average total assets | $554,589,000 | 1,217 |
| Average earning assets | $495,594,500 | 1,241 |
| Average equity | $61,238,000 | 1,094 |
| Average total loans | $303,131,500 | 1,443 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1767% | 3,717 |
| Cost of funding earning assets | 1.2054% | 4,534 |
| Net interest margin | 3.9713% | 3,141 |
| Noninterest income to average assets | 1.1972% | 1,044 |
| Noninterest expense to average assets | 3.0750% | 3,569 |
| Loan and lease loss provision to assets | 0.8550% | 1,912 |
| Net operating income to assets | 0.7053% | 3,211 |
| Return on assets (ROA) | 0.8208% | 2,848 |
| Pretax return on assets | 0.9409% | 3,129 |
| Return on Equity (ROE) | 7.6183% | 2,841 |
| Retained earnings to average equity (ytd only) | 3.2821% | 3,573 |
| Net charge-offs to loans | 1.4240% | 1,559 |
| Credit loss provision to net charge-offs | 100.8110% | 4,512 |
| Earnings coverage of net charge-offs (x) | 1.9609% | 4,261 |
| Efficiency ratio | 63.7521% | 5,395 |
| Assets per employee ($millions) | 3.8819% | 4,045 |
| Cash dividends to net income (ytd only)* | 56.9188% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 2,315 |
| Loan loss allowance to noncurrent loans | 70.8521% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 3.3415% | 2,108 |
| Noncurrent loans to loans | 2.8194% | 2,703 |
| Net loans and leases to total assets | 55.0780% | 5,476 |
| Net loans and leases to deposits | 62.2521% | 5,830 |
| Net loans and leases to core deposits | 69.0262% | 5,549 |
| Total domestic deposits to total assets | 88.4758% | 1,960 |
| Equity capital to assets | 10.9840% | 2,700 |
| Core capital (leverage) ratio | 8.5672% | 5,245 |
| Tier 1 risk-based capital ratio | 12.9224% | 4,661 |
| Total risk-based capital ratio | 14.1771% | 4,634 |
| Memoranda: | ||
| Average total assets | $566,987,200 | 1,185 |
| Average earning assets | $505,557,800 | 1,216 |
| Average equity | $61,089,800 | 1,089 |
| Average total loans | $337,711,600 | 1,321 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2304% | 3,680 |
| Cost of funding earning assets | 1.2537% | 4,548 |
| Net interest margin | 3.9768% | 3,202 |
| Noninterest income to average assets | 1.3972% | 694 |
| Noninterest expense to average assets | 3.0697% | 3,482 |
| Loan and lease loss provision to assets | 0.7768% | 1,964 |
| Net operating income to assets | 0.8949% | 2,635 |
| Return on assets (ROA) | 1.0230% | 2,274 |
| Pretax return on assets | 1.2508% | 2,328 |
| Return on Equity (ROE) | 9.5391% | 2,308 |
| Retained earnings to average equity (ytd only) | 5.3478% | 2,739 |
| Net charge-offs to loans | 1.1825% | 1,721 |
| Credit loss provision to net charge-offs | 108.8178% | 3,911 |
| Earnings coverage of net charge-offs (x) | 2.6215% | 3,840 |
| Efficiency ratio | 61.0361% | 5,789 |
| Assets per employee ($millions) | 3.8851% | 4,067 |
| Cash dividends to net income (ytd only)* | 43.9380% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 2,211 |
| Loan loss allowance to noncurrent loans | 68.1342% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 3.3954% | 2,096 |
| Noncurrent loans to loans | 2.9391% | 2,715 |
| Net loans and leases to total assets | 56.1610% | 5,527 |
| Net loans and leases to deposits | 64.0778% | 5,906 |
| Net loans and leases to core deposits | 71.3109% | 5,598 |
| Total domestic deposits to total assets | 87.6450% | 2,187 |
| Equity capital to assets | 11.4492% | 2,577 |
| Core capital (leverage) ratio | 8.2162% | 6,012 |
| Tier 1 risk-based capital ratio | 11.6620% | 5,768 |
| Total risk-based capital ratio | 12.9163% | 5,741 |
| Memoranda: | ||
| Average total assets | $571,896,250 | 1,187 |
| Average earning assets | $509,644,750 | 1,219 |
| Average equity | $61,332,000 | 1,095 |
| Average total loans | $345,235,750 | 1,313 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 3,539 |
| Cost of funding earning assets | 1.2755% | 4,681 |
| Net interest margin | 4.0089% | 2,970 |
| Noninterest income to average assets | 0.9360% | 1,560 |
| Noninterest expense to average assets | 3.0398% | 3,555 |
| Loan and lease loss provision to assets | 0.4756% | 2,933 |
| Net operating income to assets | 0.8375% | 2,791 |
| Return on assets (ROA) | 0.9551% | 2,432 |
| Pretax return on assets | 1.1553% | 2,567 |
| Return on Equity (ROE) | 9.1031% | 2,423 |
| Retained earnings to average equity (ytd only) | 5.1211% | 2,838 |
| Net charge-offs to loans | 0.7358% | 2,390 |
| Credit loss provision to net charge-offs | 105.3722% | 3,866 |
| Earnings coverage of net charge-offs (x) | 3.2993% | 3,380 |
| Efficiency ratio | 65.9400% | 4,991 |
| Assets per employee ($millions) | 3.7801% | 4,267 |
| Cash dividends to net income (ytd only)* | 43.7432% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 2,845 |
| Loan loss allowance to noncurrent loans | 48.1334% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 3.5363% | 1,983 |
| Noncurrent loans to loans | 3.6625% | 2,142 |
| Net loans and leases to total assets | 59.1202% | 5,223 |
| Net loans and leases to deposits | 66.6238% | 5,728 |
| Net loans and leases to core deposits | 69.5419% | 5,918 |
| Total domestic deposits to total assets | 88.7373% | 1,579 |
| Equity capital to assets | 10.5383% | 3,363 |
| Core capital (leverage) ratio | 8.0435% | 6,213 |
| Tier 1 risk-based capital ratio | 10.7481% | 6,483 |
| Total risk-based capital ratio | 12.0007% | 6,468 |
| Memoranda: | ||
| Average total assets | $577,337,000 | 1,177 |
| Average earning assets | $517,453,330 | 1,196 |
| Average equity | $60,573,000 | 1,099 |
| Average total loans | $354,183,670 | 1,297 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2907% | 3,590 |
| Cost of funding earning assets | 1.3310% | 4,619 |
| Net interest margin | 3.9597% | 3,057 |
| Noninterest income to average assets | 0.8822% | 1,694 |
| Noninterest expense to average assets | 3.0647% | 3,413 |
| Loan and lease loss provision to assets | 0.2428% | 4,104 |
| Net operating income to assets | 0.9274% | 2,437 |
| Return on assets (ROA) | 0.9274% | 2,503 |
| Pretax return on assets | 1.1180% | 2,675 |
| Return on Equity (ROE) | 8.8592% | 2,543 |
| Retained earnings to average equity (ytd only) | 5.2570% | 3,007 |
| Net charge-offs to loans | 0.1427% | 4,081 |
| Credit loss provision to net charge-offs | 274.8031% | 1,442 |
| Earnings coverage of net charge-offs (x) | 15.4016% | 1,383 |
| Efficiency ratio | 68.0396% | 4,715 |
| Assets per employee ($millions) | 3.7646% | 4,396 |
| Cash dividends to net income (ytd only)* | 40.6602% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 2,807 |
| Loan loss allowance to noncurrent loans | 69.4545% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 2.9286% | 2,448 |
| Noncurrent loans to loans | 2.5569% | 3,114 |
| Net loans and leases to total assets | 60.3704% | 5,055 |
| Net loans and leases to deposits | 68.0109% | 5,589 |
| Net loans and leases to core deposits | 71.3682% | 5,785 |
| Total domestic deposits to total assets | 88.7658% | 1,633 |
| Equity capital to assets | 10.4913% | 3,251 |
| Core capital (leverage) ratio | 7.9620% | 6,291 |
| Tier 1 risk-based capital ratio | 10.3942% | 6,721 |
| Total risk-based capital ratio | 11.6467% | 6,717 |
| Memoranda: | ||
| Average total assets | $574,939,000 | 1,211 |
| Average earning assets | $514,486,000 | 1,236 |
| Average equity | $60,186,000 | 1,109 |
| Average total loans | $356,108,500 | 1,328 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5636% | 3,792 |
| Cost of funding earning assets | 1.4958% | 5,527 |
| Net interest margin | 4.0678% | 2,577 |
| Noninterest income to average assets | 0.9129% | 1,896 |
| Noninterest expense to average assets | 2.9741% | 4,251 |
| Loan and lease loss provision to assets | 0.9620% | 2,352 |
| Net operating income to assets | 0.5236% | 3,634 |
| Return on assets (ROA) | 0.8524% | 2,421 |
| Pretax return on assets | 1.0342% | 2,482 |
| Return on Equity (ROE) | 8.0637% | 2,339 |
| Retained earnings to average equity (ytd only) | 3.6757% | 2,617 |
| Net charge-offs to loans | 0.7323% | 2,999 |
| Credit loss provision to net charge-offs | 204.9571% | 1,884 |
| Earnings coverage of net charge-offs (x) | 3.3985% | 3,361 |
| Efficiency ratio | 63.8467% | 5,803 |
| Assets per employee ($millions) | 3.7508% | 4,392 |
| Cash dividends to net income (ytd only)* | 54.4165% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 2,849 |
| Loan loss allowance to noncurrent loans | 80.6524% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 2.6861% | 2,610 |
| Noncurrent loans to loans | 2.1276% | 3,484 |
| Net loans and leases to total assets | 61.3520% | 5,133 |
| Net loans and leases to deposits | 69.0790% | 5,714 |
| Net loans and leases to core deposits | 84.9728% | 5,620 |
| Total domestic deposits to total assets | 88.8141% | 1,566 |
| Equity capital to assets | 10.4448% | 3,249 |
| Core capital (leverage) ratio | 8.0293% | 6,119 |
| Tier 1 risk-based capital ratio | 10.7851% | 6,127 |
| Total risk-based capital ratio | 12.0382% | 6,096 |
| Memoranda: | ||
| Average total assets | $545,838,600 | 1,271 |
| Average earning assets | $490,632,400 | 1,287 |
| Average equity | $57,703,200 | 1,148 |
| Average total loans | $349,841,000 | 1,382 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 3,914 |
| Cost of funding earning assets | 1.5043% | 5,803 |
| Net interest margin | 4.0873% | 2,455 |
| Noninterest income to average assets | 0.9315% | 1,849 |
| Noninterest expense to average assets | 3.0336% | 3,910 |
| Loan and lease loss provision to assets | 1.1229% | 1,742 |
| Net operating income to assets | 0.3809% | 4,477 |
| Return on assets (ROA) | 0.7635% | 3,032 |
| Pretax return on assets | 0.9105% | 3,194 |
| Return on Equity (ROE) | 7.1997% | 2,985 |
| Retained earnings to average equity (ytd only) | 2.9814% | 3,661 |
| Net charge-offs to loans | 0.8693% | 2,232 |
| Credit loss provision to net charge-offs | 200.1761% | 2,228 |
| Earnings coverage of net charge-offs (x) | 2.8129% | 3,812 |
| Efficiency ratio | 64.5348% | 5,654 |
| Assets per employee ($millions) | 3.6469% | 4,549 |
| Cash dividends to net income (ytd only)* | 58.5895% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 3,100 |
| Loan loss allowance to noncurrent loans | 35.2835% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 3.4533% | 1,934 |
| Noncurrent loans to loans | 4.4645% | 1,570 |
| Net loans and leases to total assets | 63.7501% | 4,915 |
| Net loans and leases to deposits | 72.0169% | 5,649 |
| Net loans and leases to core deposits | 90.7269% | 5,370 |
| Total domestic deposits to total assets | 88.5210% | 1,424 |
| Equity capital to assets | 10.5837% | 3,418 |
| Core capital (leverage) ratio | 8.0928% | 6,192 |
| Tier 1 risk-based capital ratio | 10.6366% | 6,309 |
| Total risk-based capital ratio | 11.8884% | 6,288 |
| Memoranda: | ||
| Average total assets | $539,767,750 | 1,287 |
| Average earning assets | $485,982,750 | 1,316 |
| Average equity | $57,242,000 | 1,171 |
| Average total loans | $348,329,250 | 1,407 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 3,495 |
| Cost of funding earning assets | 1.4904% | 6,182 |
| Net interest margin | 4.2171% | 1,932 |
| Noninterest income to average assets | 0.8915% | 2,014 |
| Noninterest expense to average assets | 3.0452% | 3,895 |
| Loan and lease loss provision to assets | 2.1286% | 748 |
| Net operating income to assets | -0.3849% | 6,432 |
| Return on assets (ROA) | 0.2069% | 5,314 |
| Pretax return on assets | 0.0993% | 5,678 |
| Return on Equity (ROE) | 1.9492% | 5,320 |
| Retained earnings to average equity (ytd only) | -2.5319% | 5,874 |
| Net charge-offs to loans | 2.2537% | 796 |
| Credit loss provision to net charge-offs | 146.5428% | 3,156 |
| Earnings coverage of net charge-offs (x) | 1.1264% | 4,679 |
| Efficiency ratio | 63.8008% | 5,952 |
| Assets per employee ($millions) | 3.5507% | 4,684 |
| Cash dividends to net income (ytd only)* | 229.8913% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 3,291 |
| Loan loss allowance to noncurrent loans | 254.2356% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 5,070 |
| Noncurrent loans to loans | 0.5833% | 6,089 |
| Net loans and leases to total assets | 64.2769% | 4,927 |
| Net loans and leases to deposits | 72.1923% | 5,711 |
| Net loans and leases to core deposits | 89.0891% | 5,624 |
| Total domestic deposits to total assets | 89.0356% | 1,250 |
| Equity capital to assets | 10.2490% | 3,672 |
| Core capital (leverage) ratio | 7.7597% | 6,663 |
| Tier 1 risk-based capital ratio | 10.3706% | 6,508 |
| Total risk-based capital ratio | 11.6215% | 6,442 |
| Memoranda: | ||
| Average total assets | $533,696,330 | 1,316 |
| Average earning assets | $479,616,000 | 1,349 |
| Average equity | $56,637,670 | 1,190 |
| Average total loans | $343,970,000 | 1,454 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7291% | 3,643 |
| Cost of funding earning assets | 1.4997% | 6,399 |
| Net interest margin | 4.2294% | 1,806 |
| Noninterest income to average assets | 0.9685% | 1,573 |
| Noninterest expense to average assets | 2.9154% | 4,105 |
| Loan and lease loss provision to assets | 0.4146% | 2,848 |
| Net operating income to assets | 1.0665% | 2,080 |
| Return on assets (ROA) | 1.0665% | 2,213 |
| Pretax return on assets | 1.4328% | 1,872 |
| Return on Equity (ROE) | 9.8779% | 2,370 |
| Retained earnings to average equity (ytd only) | 4.8238% | 3,223 |
| Net charge-offs to loans | 0.0565% | 4,678 |
| Credit loss provision to net charge-offs | 1,145.8333% | 556 |
| Earnings coverage of net charge-offs (x) | 51.0625% | 713 |
| Efficiency ratio | 59.9620% | 6,413 |
| Assets per employee ($millions) | 3.6859% | 4,364 |
| Cash dividends to net income (ytd only)* | 51.1661% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 5,219 |
| Loan loss allowance to noncurrent loans | 70.6434% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.6299% | 3,469 |
| Noncurrent loans to loans | 1.6078% | 3,865 |
| Net loans and leases to total assets | 62.9729% | 5,169 |
| Net loans and leases to deposits | 71.3519% | 5,820 |
| Net loans and leases to core deposits | 87.4792% | 5,787 |
| Total domestic deposits to total assets | 88.2568% | 1,608 |
| Equity capital to assets | 10.7628% | 3,221 |
| Core capital (leverage) ratio | 8.1811% | 6,141 |
| Tier 1 risk-based capital ratio | 10.8449% | 6,049 |
| Total risk-based capital ratio | 11.8496% | 6,211 |
| Memoranda: | ||
| Average total assets | $530,694,000 | 1,328 |
| Average earning assets | $476,094,500 | 1,363 |
| Average equity | $57,299,500 | 1,185 |
| Average total loans | $339,892,500 | 1,480 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4691% | 3,123 |
| Cost of funding earning assets | 1.9614% | 6,531 |
| Net interest margin | 4.5077% | 1,398 |
| Noninterest income to average assets | 1.1426% | 1,184 |
| Noninterest expense to average assets | 2.9243% | 4,361 |
| Loan and lease loss provision to assets | 0.5335% | 2,684 |
| Net operating income to assets | 1.2499% | 1,631 |
| Return on assets (ROA) | 1.2535% | 1,568 |
| Pretax return on assets | 1.7232% | 1,096 |
| Return on Equity (ROE) | 11.2498% | 1,830 |
| Retained earnings to average equity (ytd only) | 6.1701% | 1,458 |
| Net charge-offs to loans | 0.8024% | 1,551 |
| Credit loss provision to net charge-offs | 101.2422% | 5,247 |
| Earnings coverage of net charge-offs (x) | 4.2733% | 4,045 |
| Efficiency ratio | 55.1731% | 7,130 |
| Assets per employee ($millions) | 3.4870% | 4,706 |
| Cash dividends to net income (ytd only)* | 45.1534% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 5,844 |
| Loan loss allowance to noncurrent loans | 87.3945% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.3704% | 3,448 |
| Noncurrent loans to loans | 1.1686% | 4,189 |
| Net loans and leases to total assets | 63.7544% | 5,322 |
| Net loans and leases to deposits | 72.8824% | 5,960 |
| Net loans and leases to core deposits | 89.6431% | 5,833 |
| Total domestic deposits to total assets | 87.4758% | 1,718 |
| Equity capital to assets | 10.8328% | 3,178 |
| Core capital (leverage) ratio | 8.2522% | 6,052 |
| Tier 1 risk-based capital ratio | 9.8184% | 6,938 |
| Total risk-based capital ratio | 10.6262% | 7,364 |
| Memoranda: | ||
| Average total assets | $488,869,000 | 1,397 |
| Average earning assets | $437,434,000 | 1,432 |
| Average equity | $54,472,000 | 1,238 |
| Average total loans | $321,023,200 | 1,508 |