Home > Liberty Bank and Trust Company > Performance and Condition Ratios
Liberty Bank and Trust Company, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0904% | 2,880 |
| Cost of funding earning assets | 1.0731% | 3,970 |
| Net interest margin | 4.0173% | 1,119 |
| Noninterest income to average assets | 0.7100% | 1,111 |
| Noninterest expense to average assets | 3.0401% | 1,052 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.2496% | 1,420 |
| Return on assets (ROA) | 1.2469% | 1,430 |
| Pretax return on assets | 1.2972% | 1,775 |
| Return on Equity (ROE) | 12.1200% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.2018% | 617 |
| Net charge-offs to loans | 0.3438% | 378 |
| Credit loss provision to net charge-offs | 57.5816% | 2,000 |
| Earnings coverage of net charge-offs (x) | 7.1894% | 2,276 |
| Efficiency ratio | 68.2660% | 2,232 |
| Assets per employee ($millions) | 5.7015% | 3,111 |
| Cash dividends to net income (ytd only)* | 7.5744% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 2,898 |
| Loan loss allowance to noncurrent loans | 83.3152% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 769 |
| Noncurrent loans to loans | 1.2841% | 776 |
| Net loans and leases to total assets | 58.3900% | 3,066 |
| Net loans and leases to deposits | 67.0144% | 3,184 |
| Net loans and leases to core deposits | 81.8037% | 2,699 |
| Total domestic deposits to total assets | 87.1200% | 1,554 |
| Equity capital to assets | 10.8678% | 1,796 |
| Core capital (leverage) ratio | 11.7401% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0448% | 677 |
| Memoranda: | ||
| Average total assets | $1,060,166,000 | 958 |
| Average earning assets | $989,026,500 | 942 |
| Average equity | $109,075,250 | 939 |
| Average total loans | $606,090,750 | 1,114 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9707% | 2,998 |
| Cost of funding earning assets | 0.9882% | 4,030 |
| Net interest margin | 3.9825% | 1,133 |
| Noninterest income to average assets | 0.6300% | 1,338 |
| Noninterest expense to average assets | 3.0117% | 1,089 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.2004% | 1,470 |
| Return on assets (ROA) | 1.1965% | 1,480 |
| Pretax return on assets | 1.2727% | 1,768 |
| Return on Equity (ROE) | 11.8600% | 1,659 |
| Retained earnings to average equity (ytd only) | 10.9168% | 707 |
| Net charge-offs to loans | 0.2344% | 479 |
| Credit loss provision to net charge-offs | 43.1034% | 1,858 |
| Earnings coverage of net charge-offs (x) | 10.0675% | 1,993 |
| Efficiency ratio | 69.3039% | 2,189 |
| Assets per employee ($millions) | 5.4824% | 3,231 |
| Cash dividends to net income (ytd only)* | 7.9554% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 2,406 |
| Loan loss allowance to noncurrent loans | 96.0210% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.7970% | 814 |
| Noncurrent loans to loans | 1.2163% | 745 |
| Net loans and leases to total assets | 56.8300% | 3,201 |
| Net loans and leases to deposits | 64.7087% | 3,324 |
| Net loans and leases to core deposits | 78.1068% | 2,908 |
| Total domestic deposits to total assets | 87.8300% | 1,378 |
| Equity capital to assets | 10.2117% | 1,964 |
| Core capital (leverage) ratio | 11.6239% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9057% | 596 |
| Memoranda: | ||
| Average total assets | $1,050,557,333 | 964 |
| Average earning assets | $979,977,000 | 950 |
| Average equity | $105,983,667 | 952 |
| Average total loans | $593,892,667 | 1,132 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8815% | 3,012 |
| Cost of funding earning assets | 0.9626% | 4,022 |
| Net interest margin | 3.9189% | 1,198 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 3.0424% | 1,042 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.1653% | 1,522 |
| Return on assets (ROA) | 1.1574% | 1,542 |
| Pretax return on assets | 1.2340% | 1,808 |
| Return on Equity (ROE) | 11.5400% | 1,705 |
| Retained earnings to average equity (ytd only) | 10.5894% | 982 |
| Net charge-offs to loans | 0.2461% | 375 |
| Credit loss provision to net charge-offs | 27.7778% | 1,495 |
| Earnings coverage of net charge-offs (x) | 9.2861% | 1,677 |
| Efficiency ratio | 70.3740% | 2,112 |
| Assets per employee ($millions) | 5.4408% | 3,319 |
| Cash dividends to net income (ytd only)* | 8.2754% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,143 |
| Loan loss allowance to noncurrent loans | 87.0902% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9159% | 658 |
| Noncurrent loans to loans | 1.4073% | 585 |
| Net loans and leases to total assets | 56.4500% | 3,152 |
| Net loans and leases to deposits | 64.1930% | 3,276 |
| Net loans and leases to core deposits | 76.9949% | 2,914 |
| Total domestic deposits to total assets | 87.9400% | 1,445 |
| Equity capital to assets | 10.1444% | 1,923 |
| Core capital (leverage) ratio | 11.4465% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0786% | 602 |
| Memoranda: | ||
| Average total assets | $1,044,047,000 | 972 |
| Average earning assets | $974,458,500 | 956 |
| Average equity | $104,671,000 | 959 |
| Average total loans | $585,042,500 | 1,145 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 2,615 |
| Cost of funding earning assets | 0.6844% | 3,948 |
| Net interest margin | 4.0433% | 1,141 |
| Noninterest income to average assets | 1.0000% | 640 |
| Noninterest expense to average assets | 3.1816% | 845 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.1958% | 1,659 |
| Return on assets (ROA) | 1.1958% | 1,637 |
| Pretax return on assets | 1.4261% | 1,581 |
| Return on Equity (ROE) | 12.9900% | 1,734 |
| Retained earnings to average equity (ytd only) | 6.8485% | 1,933 |
| Net charge-offs to loans | 0.2564% | 413 |
| Credit loss provision to net charge-offs | 139.4109% | 1,535 |
| Earnings coverage of net charge-offs (x) | 12.0351% | 2,163 |
| Efficiency ratio | 66.3589% | 2,303 |
| Assets per employee ($millions) | 5.7950% | 2,984 |
| Cash dividends to net income (ytd only)* | 47.2807% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 1,722 |
| Loan loss allowance to noncurrent loans | 134.0267% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 838 |
| Noncurrent loans to loans | 0.9763% | 758 |
| Net loans and leases to total assets | 54.2100% | 3,335 |
| Net loans and leases to deposits | 62.7070% | 3,368 |
| Net loans and leases to core deposits | 75.6559% | 2,998 |
| Total domestic deposits to total assets | 86.4500% | 1,875 |
| Equity capital to assets | 9.9077% | 2,062 |
| Core capital (leverage) ratio | 11.1132% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9600% | 612 |
| Memoranda: | ||
| Average total assets | $1,064,019,400 | 930 |
| Average earning assets | $997,656,200 | 909 |
| Average equity | $97,948,600 | 960 |
| Average total loans | $556,188,000 | 1,143 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5914% | 2,696 |
| Cost of funding earning assets | 0.5937% | 3,979 |
| Net interest margin | 3.9976% | 1,220 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.7816% | 1,475 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.3945% | 1,332 |
| Return on assets (ROA) | 1.3945% | 1,316 |
| Pretax return on assets | 1.5755% | 1,409 |
| Return on Equity (ROE) | 15.4400% | 1,363 |
| Retained earnings to average equity (ytd only) | 14.3953% | 626 |
| Net charge-offs to loans | 0.2373% | 375 |
| Credit loss provision to net charge-offs | 98.8787% | 1,634 |
| Earnings coverage of net charge-offs (x) | 13.8512% | 2,022 |
| Efficiency ratio | 62.1135% | 2,699 |
| Assets per employee ($millions) | 5.4752% | 3,202 |
| Cash dividends to net income (ytd only)* | 6.7514% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 2,212 |
| Loan loss allowance to noncurrent loans | 128.0750% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 990 |
| Noncurrent loans to loans | 0.9608% | 858 |
| Net loans and leases to total assets | 54.0300% | 3,359 |
| Net loans and leases to deposits | 61.6551% | 3,423 |
| Net loans and leases to core deposits | 73.7059% | 3,010 |
| Total domestic deposits to total assets | 87.6400% | 1,688 |
| Equity capital to assets | 9.4626% | 2,120 |
| Core capital (leverage) ratio | 11.3574% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0239% | 550 |
| Memoranda: | ||
| Average total assets | $1,067,799,500 | 929 |
| Average earning assets | $1,002,204,500 | 905 |
| Average equity | $96,455,250 | 970 |
| Average total loans | $551,194,500 | 1,146 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 2,652 |
| Cost of funding earning assets | 0.4676% | 4,044 |
| Net interest margin | 4.0272% | 1,198 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.7514% | 1,523 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.3865% | 1,366 |
| Return on assets (ROA) | 1.3865% | 1,343 |
| Pretax return on assets | 1.5905% | 1,428 |
| Return on Equity (ROE) | 15.5900% | 1,341 |
| Retained earnings to average equity (ytd only) | 14.5445% | 616 |
| Net charge-offs to loans | 0.2160% | 377 |
| Credit loss provision to net charge-offs | 113.5593% | 1,358 |
| Earnings coverage of net charge-offs (x) | 15.6763% | 1,845 |
| Efficiency ratio | 61.6065% | 2,761 |
| Assets per employee ($millions) | 6.0552% | 2,667 |
| Cash dividends to net income (ytd only)* | 6.6854% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,097 |
| Loan loss allowance to noncurrent loans | 142.5945% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 1,121 |
| Noncurrent loans to loans | 0.8875% | 863 |
| Net loans and leases to total assets | 51.0800% | 3,484 |
| Net loans and leases to deposits | 57.9797% | 3,538 |
| Net loans and leases to core deposits | 66.7309% | 3,310 |
| Total domestic deposits to total assets | 88.1100% | 1,563 |
| Equity capital to assets | 9.1524% | 2,411 |
| Core capital (leverage) ratio | 10.7905% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7535% | 576 |
| Memoranda: | ||
| Average total assets | $1,078,797,667 | 918 |
| Average earning assets | $1,014,546,667 | 896 |
| Average equity | $95,967,333 | 968 |
| Average total loans | $546,230,000 | 1,139 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 2,624 |
| Cost of funding earning assets | 0.3546% | 4,062 |
| Net interest margin | 4.0199% | 1,228 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.6807% | 1,722 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.3987% | 1,415 |
| Return on assets (ROA) | 1.3987% | 1,392 |
| Pretax return on assets | 1.6211% | 1,413 |
| Return on Equity (ROE) | 15.9500% | 1,367 |
| Retained earnings to average equity (ytd only) | 15.9532% | 692 |
| Net charge-offs to loans | 0.2598% | 294 |
| Credit loss provision to net charge-offs | 85.4701% | 1,188 |
| Earnings coverage of net charge-offs (x) | 13.3162% | 1,592 |
| Efficiency ratio | 60.7458% | 2,852 |
| Assets per employee ($millions) | 5.7017% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,199 |
| Loan loss allowance to noncurrent loans | 131.3733% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 1,008 |
| Noncurrent loans to loans | 0.9645% | 774 |
| Net loans and leases to total assets | 50.3500% | 3,462 |
| Net loans and leases to deposits | 57.2520% | 3,489 |
| Net loans and leases to core deposits | 62.8669% | 3,396 |
| Total domestic deposits to total assets | 87.9400% | 1,946 |
| Equity capital to assets | 9.2129% | 2,361 |
| Core capital (leverage) ratio | 10.4364% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8265% | 678 |
| Memoranda: | ||
| Average total assets | $1,079,279,500 | 934 |
| Average earning assets | $1,015,337,500 | 909 |
| Average equity | $94,627,000 | 987 |
| Average total loans | $540,514,500 | 1,161 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7194% | 2,476 |
| Cost of funding earning assets | 0.3261% | 2,671 |
| Net interest margin | 3.3933% | 2,280 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 3.0018% | 967 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7610% | 3,452 |
| Return on assets (ROA) | 0.7576% | 3,401 |
| Pretax return on assets | 0.9593% | 3,197 |
| Return on Equity (ROE) | 8.7800% | 3,178 |
| Retained earnings to average equity (ytd only) | 3.9818% | 3,401 |
| Net charge-offs to loans | 0.0807% | 848 |
| Credit loss provision to net charge-offs | 60.0962% | 1,778 |
| Earnings coverage of net charge-offs (x) | 24.5577% | 1,792 |
| Efficiency ratio | 75.2405% | 1,097 |
| Assets per employee ($millions) | 6.1375% | 2,646 |
| Cash dividends to net income (ytd only)* | 54.6394% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 1,866 |
| Loan loss allowance to noncurrent loans | 132.6678% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 999 |
| Noncurrent loans to loans | 0.9840% | 746 |
| Net loans and leases to total assets | 48.5500% | 3,632 |
| Net loans and leases to deposits | 54.8706% | 3,636 |
| Net loans and leases to core deposits | 57.8887% | 3,623 |
| Total domestic deposits to total assets | 88.4900% | 1,889 |
| Equity capital to assets | 8.2887% | 2,866 |
| Core capital (leverage) ratio | 9.9438% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1799% | 698 |
| Memoranda: | ||
| Average total assets | $1,034,213,200 | 955 |
| Average earning assets | $974,540,800 | 925 |
| Average equity | $89,255,200 | 1,043 |
| Average total loans | $515,319,200 | 1,153 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 2,544 |
| Cost of funding earning assets | 0.3328% | 1,831 |
| Net interest margin | 3.1887% | 2,660 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.7074% | 1,451 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9556% | 2,641 |
| Return on assets (ROA) | 0.9556% | 2,612 |
| Pretax return on assets | 0.9556% | 3,160 |
| Return on Equity (ROE) | 10.9600% | 2,392 |
| Retained earnings to average equity (ytd only) | 10.9573% | 1,065 |
| Net charge-offs to loans | 0.0723% | 789 |
| Credit loss provision to net charge-offs | 90.2527% | 1,377 |
| Earnings coverage of net charge-offs (x) | 27.3249% | 1,566 |
| Efficiency ratio | 73.2591% | 1,354 |
| Assets per employee ($millions) | 5.9663% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 1,721 |
| Loan loss allowance to noncurrent loans | 136.3218% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 1,061 |
| Noncurrent loans to loans | 1.0042% | 768 |
| Net loans and leases to total assets | 48.0100% | 3,628 |
| Net loans and leases to deposits | 54.0965% | 3,597 |
| Net loans and leases to core deposits | 57.6596% | 3,525 |
| Total domestic deposits to total assets | 88.7400% | 2,190 |
| Equity capital to assets | 8.5110% | 2,541 |
| Core capital (leverage) ratio | 10.6872% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6870% | 585 |
| Memoranda: | ||
| Average total assets | $1,021,183,750 | 966 |
| Average earning assets | $962,760,250 | 943 |
| Average equity | $89,058,250 | 1,058 |
| Average total loans | $510,542,750 | 1,159 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3993% | 2,438 |
| Cost of funding earning assets | 0.3373% | 1,384 |
| Net interest margin | 3.0620% | 2,674 |
| Noninterest income to average assets | 0.6742% | 1,447 |
| Noninterest expense to average assets | 2.5937% | 1,652 |
| Loan and lease loss provision to assets | 0.0497% | 1,690 |
| Net operating income to assets | 0.9199% | 2,490 |
| Return on assets (ROA) | 0.9199% | 2,459 |
| Pretax return on assets | 0.9199% | 2,995 |
| Return on Equity (ROE) | 10.4584% | 2,177 |
| Retained earnings to average equity (ytd only) | 10.4584% | 913 |
| Net charge-offs to loans | 0.0804% | 671 |
| Credit loss provision to net charge-offs | 122.5490% | 1,175 |
| Earnings coverage of net charge-offs (x) | 23.8971% | 1,485 |
| Efficiency ratio | 72.7897% | 1,656 |
| Assets per employee ($millions) | 5.7909% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 1,728 |
| Loan loss allowance to noncurrent loans | 135.8979% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5138% | 1,113 |
| Noncurrent loans to loans | 1.0350% | 807 |
| Net loans and leases to total assets | 48.8886% | 3,475 |
| Net loans and leases to deposits | 55.5810% | 3,414 |
| Net loans and leases to core deposits | 58.8916% | 3,352 |
| Total domestic deposits to total assets | 87.9593% | 2,593 |
| Equity capital to assets | 9.6237% | 1,923 |
| Core capital (leverage) ratio | 11.1638% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0515% | 531 |
| Memoranda: | ||
| Average total assets | $1,005,589,000 | 976 |
| Average earning assets | $948,789,333 | 960 |
| Average equity | $88,446,000 | 1,070 |
| Average total loans | $507,450,000 | 1,155 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3225% | 2,315 |
| Cost of funding earning assets | 0.3445% | 1,251 |
| Net interest margin | 2.9779% | 2,573 |
| Noninterest income to average assets | 0.6832% | 1,377 |
| Noninterest expense to average assets | 2.5934% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8963% | 2,282 |
| Return on assets (ROA) | 0.8963% | 2,285 |
| Pretax return on assets | 0.8963% | 2,789 |
| Return on Equity (ROE) | 10.7140% | 1,720 |
| Retained earnings to average equity (ytd only) | 10.7140% | 842 |
| Net charge-offs to loans | 0.1788% | 336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 9.8451% | 1,474 |
| Efficiency ratio | 74.3161% | 1,707 |
| Assets per employee ($millions) | 6.0734% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 1,992 |
| Loan loss allowance to noncurrent loans | 144.2845% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4767% | 1,274 |
| Noncurrent loans to loans | 0.9560% | 953 |
| Net loans and leases to total assets | 48.7622% | 3,304 |
| Net loans and leases to deposits | 54.3794% | 3,388 |
| Net loans and leases to core deposits | 58.6530% | 3,263 |
| Total domestic deposits to total assets | 89.6703% | 1,731 |
| Equity capital to assets | 7.7225% | 3,787 |
| Core capital (leverage) ratio | 8.4531% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0997% | 1,233 |
| Memoranda: | ||
| Average total assets | $992,990,500 | 987 |
| Average earning assets | $935,815,000 | 975 |
| Average equity | $83,069,000 | 1,158 |
| Average total loans | $505,612,000 | 1,152 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 2,514 |
| Cost of funding earning assets | 0.3889% | 1,617 |
| Net interest margin | 3.1621% | 2,703 |
| Noninterest income to average assets | 0.9761% | 1,048 |
| Noninterest expense to average assets | 2.9370% | 1,085 |
| Loan and lease loss provision to assets | 0.2066% | 506 |
| Net operating income to assets | 0.6321% | 3,801 |
| Return on assets (ROA) | 0.6234% | 3,866 |
| Pretax return on assets | 0.7997% | 3,730 |
| Return on Equity (ROE) | 6.4760% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.5301% | 3,410 |
| Net charge-offs to loans | 0.0955% | 879 |
| Credit loss provision to net charge-offs | 417.8490% | 894 |
| Earnings coverage of net charge-offs (x) | 20.5721% | 1,851 |
| Efficiency ratio | 74.2731% | 1,276 |
| Assets per employee ($millions) | 5.6789% | 3,085 |
| Cash dividends to net income (ytd only)* | 45.4892% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 1,910 |
| Loan loss allowance to noncurrent loans | 291.9085% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 1,941 |
| Noncurrent loans to loans | 0.4800% | 1,931 |
| Net loans and leases to total assets | 51.7562% | 3,097 |
| Net loans and leases to deposits | 59.0179% | 3,169 |
| Net loans and leases to core deposits | 64.1358% | 2,973 |
| Total domestic deposits to total assets | 87.6958% | 2,199 |
| Equity capital to assets | 9.0105% | 3,607 |
| Core capital (leverage) ratio | 8.4706% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7564% | 1,107 |
| Memoranda: | ||
| Average total assets | $883,683,000 | 1,060 |
| Average earning assets | $832,302,200 | 1,049 |
| Average equity | $85,067,600 | 1,148 |
| Average total loans | $457,681,400 | 1,247 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5425% | 2,714 |
| Cost of funding earning assets | 0.4039% | 1,671 |
| Net interest margin | 3.1386% | 2,941 |
| Noninterest income to average assets | 0.4732% | 2,741 |
| Noninterest expense to average assets | 2.6540% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7765% | 3,582 |
| Return on assets (ROA) | 0.7765% | 3,648 |
| Pretax return on assets | 0.7765% | 3,937 |
| Return on Equity (ROE) | 7.9231% | 3,426 |
| Retained earnings to average equity (ytd only) | 3.9671% | 3,584 |
| Net charge-offs to loans | 0.0228% | 1,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 66.0395% | 1,090 |
| Efficiency ratio | 77.3654% | 927 |
| Assets per employee ($millions) | 6.1323% | 2,563 |
| Cash dividends to net income (ytd only)* | 49.9303% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,994 |
| Loan loss allowance to noncurrent loans | 170.3570% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 1,718 |
| Noncurrent loans to loans | 0.7033% | 1,577 |
| Net loans and leases to total assets | 50.5657% | 3,339 |
| Net loans and leases to deposits | 57.8601% | 3,420 |
| Net loans and leases to core deposits | 62.9587% | 3,223 |
| Total domestic deposits to total assets | 87.3930% | 2,165 |
| Equity capital to assets | 9.5080% | 3,359 |
| Core capital (leverage) ratio | 9.4140% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5351% | 1,041 |
| Memoranda: | ||
| Average total assets | $861,831,250 | 1,091 |
| Average earning assets | $812,019,500 | 1,080 |
| Average equity | $84,459,500 | 1,174 |
| Average total loans | $444,666,250 | 1,297 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6019% | 2,613 |
| Cost of funding earning assets | 0.3930% | 1,945 |
| Net interest margin | 3.2090% | 2,727 |
| Noninterest income to average assets | 0.4495% | 2,844 |
| Noninterest expense to average assets | 2.7150% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7525% | 3,635 |
| Return on assets (ROA) | 0.7484% | 3,711 |
| Pretax return on assets | 0.7484% | 3,974 |
| Return on Equity (ROE) | 7.5542% | 3,517 |
| Retained earnings to average equity (ytd only) | 1.5349% | 4,235 |
| Net charge-offs to loans | 0.0092% | 1,795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 158.1000% | 574 |
| Efficiency ratio | 78.2994% | 895 |
| Assets per employee ($millions) | 5.8892% | 2,725 |
| Cash dividends to net income (ytd only)* | 79.6820% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,439 |
| Loan loss allowance to noncurrent loans | 163.4084% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 1,748 |
| Noncurrent loans to loans | 0.7955% | 1,532 |
| Net loans and leases to total assets | 48.9567% | 3,649 |
| Net loans and leases to deposits | 56.6935% | 3,669 |
| Net loans and leases to core deposits | 62.3799% | 3,430 |
| Total domestic deposits to total assets | 86.3532% | 2,605 |
| Equity capital to assets | 9.8203% | 3,037 |
| Core capital (leverage) ratio | 9.6627% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4599% | 1,813 |
| Memoranda: | ||
| Average total assets | $840,448,333 | 1,105 |
| Average earning assets | $790,409,000 | 1,105 |
| Average equity | $83,265,333 | 1,180 |
| Average total loans | $434,919,667 | 1,320 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6267% | 2,554 |
| Cost of funding earning assets | 0.4017% | 2,082 |
| Net interest margin | 3.2250% | 2,618 |
| Noninterest income to average assets | 0.4416% | 2,865 |
| Noninterest expense to average assets | 2.7479% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7201% | 3,663 |
| Return on assets (ROA) | 0.7210% | 3,726 |
| Pretax return on assets | 0.7210% | 3,973 |
| Return on Equity (ROE) | 7.2433% | 3,540 |
| Retained earnings to average equity (ytd only) | -5.0964% | 4,705 |
| Net charge-offs to loans | 0.1491% | 517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 9.1242% | 1,550 |
| Efficiency ratio | 79.2367% | 875 |
| Assets per employee ($millions) | 5.4449% | 3,170 |
| Cash dividends to net income (ytd only)* | 170.3603% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,442 |
| Loan loss allowance to noncurrent loans | 158.7567% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5474% | 1,730 |
| Noncurrent loans to loans | 0.8181% | 1,631 |
| Net loans and leases to total assets | 49.0972% | 3,703 |
| Net loans and leases to deposits | 56.9058% | 3,726 |
| Net loans and leases to core deposits | 61.8946% | 3,577 |
| Total domestic deposits to total assets | 86.2780% | 2,637 |
| Equity capital to assets | 9.7794% | 2,918 |
| Core capital (leverage) ratio | 10.1779% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0629% | 1,552 |
| Memoranda: | ||
| Average total assets | $816,041,500 | 1,122 |
| Average earning assets | $765,760,000 | 1,117 |
| Average equity | $81,234,000 | 1,194 |
| Average total loans | $431,836,000 | 1,325 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 1,502 |
| Cost of funding earning assets | 0.6142% | 2,212 |
| Net interest margin | 3.8129% | 1,464 |
| Noninterest income to average assets | 0.7166% | 1,805 |
| Noninterest expense to average assets | 3.4122% | 780 |
| Loan and lease loss provision to assets | 0.2009% | 1,953 |
| Net operating income to assets | 0.6382% | 3,632 |
| Return on assets (ROA) | 0.6839% | 3,614 |
| Pretax return on assets | 0.6839% | 3,913 |
| Return on Equity (ROE) | 7.2666% | 3,089 |
| Retained earnings to average equity (ytd only) | 7.2666% | 1,291 |
| Net charge-offs to loans | 0.2670% | 647 |
| Credit loss provision to net charge-offs | 133.7154% | 2,525 |
| Earnings coverage of net charge-offs (x) | 5.5855% | 2,851 |
| Efficiency ratio | 80.2619% | 867 |
| Assets per employee ($millions) | 4.9374% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 3,278 |
| Loan loss allowance to noncurrent loans | 125.7150% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 1,562 |
| Noncurrent loans to loans | 0.9036% | 1,564 |
| Net loans and leases to total assets | 55.9862% | 3,305 |
| Net loans and leases to deposits | 65.9353% | 3,277 |
| Net loans and leases to core deposits | 74.0900% | 2,907 |
| Total domestic deposits to total assets | 84.9108% | 2,804 |
| Equity capital to assets | 10.2373% | 2,891 |
| Core capital (leverage) ratio | 9.6902% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2929% | 1,747 |
| Memoranda: | ||
| Average total assets | $696,905,800 | 1,185 |
| Average earning assets | $646,075,600 | 1,184 |
| Average equity | $65,587,400 | 1,365 |
| Average total loans | $392,144,200 | 1,386 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 1,496 |
| Cost of funding earning assets | 0.6370% | 2,396 |
| Net interest margin | 3.8991% | 1,354 |
| Noninterest income to average assets | 0.5345% | 2,448 |
| Noninterest expense to average assets | 3.2669% | 956 |
| Loan and lease loss provision to assets | 0.2354% | 1,729 |
| Net operating income to assets | 0.6347% | 3,682 |
| Return on assets (ROA) | 0.6939% | 3,576 |
| Pretax return on assets | 0.6939% | 3,916 |
| Return on Equity (ROE) | 7.5599% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.5599% | 1,474 |
| Net charge-offs to loans | 0.2821% | 561 |
| Credit loss provision to net charge-offs | 148.5149% | 2,336 |
| Earnings coverage of net charge-offs (x) | 5.4901% | 2,727 |
| Efficiency ratio | 78.9693% | 946 |
| Assets per employee ($millions) | 5.0790% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 2,853 |
| Loan loss allowance to noncurrent loans | 163.6544% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 2,025 |
| Noncurrent loans to loans | 0.7136% | 2,009 |
| Net loans and leases to total assets | 55.4880% | 3,664 |
| Net loans and leases to deposits | 64.1993% | 3,782 |
| Net loans and leases to core deposits | 72.3333% | 3,445 |
| Total domestic deposits to total assets | 86.4308% | 1,886 |
| Equity capital to assets | 8.7634% | 4,279 |
| Core capital (leverage) ratio | 8.0316% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2321% | 2,093 |
| Memoranda: | ||
| Average total assets | $679,808,000 | 1,193 |
| Average earning assets | $628,097,750 | 1,199 |
| Average equity | $62,397,750 | 1,395 |
| Average total loans | $381,834,250 | 1,410 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 2,162 |
| Cost of funding earning assets | 0.6607% | 2,623 |
| Net interest margin | 3.7573% | 1,963 |
| Noninterest income to average assets | 0.5020% | 2,554 |
| Noninterest expense to average assets | 3.2699% | 1,042 |
| Loan and lease loss provision to assets | 0.1529% | 2,475 |
| Net operating income to assets | 0.5479% | 3,891 |
| Return on assets (ROA) | 0.6402% | 3,694 |
| Pretax return on assets | 0.6402% | 3,985 |
| Return on Equity (ROE) | 6.8554% | 3,187 |
| Retained earnings to average equity (ytd only) | 6.8554% | 1,716 |
| Net charge-offs to loans | 0.3053% | 523 |
| Credit loss provision to net charge-offs | 89.1266% | 2,468 |
| Earnings coverage of net charge-offs (x) | 4.0856% | 2,626 |
| Efficiency ratio | 82.3516% | 736 |
| Assets per employee ($millions) | 4.8514% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,187 |
| Loan loss allowance to noncurrent loans | 120.8523% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 1,893 |
| Noncurrent loans to loans | 0.8924% | 1,714 |
| Net loans and leases to total assets | 56.0839% | 3,676 |
| Net loans and leases to deposits | 65.0060% | 3,807 |
| Net loans and leases to core deposits | 72.4995% | 3,559 |
| Total domestic deposits to total assets | 86.2749% | 1,900 |
| Equity capital to assets | 8.5352% | 4,456 |
| Core capital (leverage) ratio | 8.0377% | 4,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3328% | 2,877 |
| Memoranda: | ||
| Average total assets | $654,153,667 | 1,204 |
| Average earning assets | $603,886,333 | 1,221 |
| Average equity | $61,090,667 | 1,406 |
| Average total loans | $367,486,000 | 1,436 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 1,156 |
| Cost of funding earning assets | 0.7725% | 2,532 |
| Net interest margin | 4.1435% | 1,041 |
| Noninterest income to average assets | 0.5864% | 2,100 |
| Noninterest expense to average assets | 3.5538% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8333% | 2,781 |
| Return on assets (ROA) | 1.0305% | 2,174 |
| Pretax return on assets | 1.0305% | 2,736 |
| Return on Equity (ROE) | 10.4910% | 1,579 |
| Retained earnings to average equity (ytd only) | 10.4910% | 644 |
| Net charge-offs to loans | 0.3460% | 412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.3108% | 2,145 |
| Efficiency ratio | 81.0063% | 1,041 |
| Assets per employee ($millions) | 4.1890% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 2,351 |
| Loan loss allowance to noncurrent loans | 102.2243% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.8381% | 1,602 |
| Noncurrent loans to loans | 1.2304% | 1,326 |
| Net loans and leases to total assets | 53.7571% | 4,009 |
| Net loans and leases to deposits | 62.7363% | 4,061 |
| Net loans and leases to core deposits | 70.0302% | 3,876 |
| Total domestic deposits to total assets | 85.6875% | 2,134 |
| Equity capital to assets | 9.9058% | 3,878 |
| Core capital (leverage) ratio | 9.0590% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2657% | 1,820 |
| Memoranda: | ||
| Average total assets | $612,522,000 | 1,246 |
| Average earning assets | $561,837,500 | 1,251 |
| Average equity | $60,166,000 | 1,417 |
| Average total loans | $342,188,500 | 1,480 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9999% | 1,485 |
| Cost of funding earning assets | 0.7409% | 2,966 |
| Net interest margin | 4.2590% | 1,186 |
| Noninterest income to average assets | 0.9419% | 1,088 |
| Noninterest expense to average assets | 3.8080% | 666 |
| Loan and lease loss provision to assets | 0.0829% | 2,352 |
| Net operating income to assets | 0.9497% | 3,020 |
| Return on assets (ROA) | 0.9464% | 3,112 |
| Pretax return on assets | 0.9464% | 3,613 |
| Return on Equity (ROE) | 10.1566% | 2,226 |
| Retained earnings to average equity (ytd only) | 5.8894% | 1,927 |
| Net charge-offs to loans | 0.3030% | 690 |
| Credit loss provision to net charge-offs | 48.9716% | 3,138 |
| Earnings coverage of net charge-offs (x) | 6.1019% | 3,004 |
| Efficiency ratio | 78.6680% | 1,066 |
| Assets per employee ($millions) | 3.9061% | 4,025 |
| Cash dividends to net income (ytd only)* | 42.0140% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 1,810 |
| Loan loss allowance to noncurrent loans | 82.1352% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0801% | 1,145 |
| Noncurrent loans to loans | 1.6148% | 871 |
| Net loans and leases to total assets | 56.5216% | 3,885 |
| Net loans and leases to deposits | 66.0585% | 3,952 |
| Net loans and leases to core deposits | 73.7366% | 3,740 |
| Total domestic deposits to total assets | 85.5630% | 2,260 |
| Equity capital to assets | 9.8975% | 4,013 |
| Core capital (leverage) ratio | 9.3445% | 4,232 |
| Tier 1 risk-based capital ratio | 14.4755% | 3,028 |
| Total risk-based capital ratio | 15.6252% | 2,989 |
| Memoranda: | ||
| Average total assets | $603,328,000 | 1,219 |
| Average earning assets | $552,286,800 | 1,228 |
| Average equity | $56,219,600 | 1,439 |
| Average total loans | $337,018,400 | 1,469 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 1,696 |
| Cost of funding earning assets | 0.7045% | 3,198 |
| Net interest margin | 4.2389% | 1,285 |
| Noninterest income to average assets | 0.6519% | 1,979 |
| Noninterest expense to average assets | 3.6426% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8904% | 3,379 |
| Return on assets (ROA) | 0.8857% | 3,474 |
| Pretax return on assets | 0.8857% | 3,923 |
| Return on Equity (ROE) | 9.6549% | 2,595 |
| Retained earnings to average equity (ytd only) | 9.6549% | 846 |
| Net charge-offs to loans | 0.2367% | 752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.7765% | 2,805 |
| Efficiency ratio | 80.3576% | 890 |
| Assets per employee ($millions) | 4.1854% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 1,831 |
| Loan loss allowance to noncurrent loans | 110.3313% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 1,706 |
| Noncurrent loans to loans | 1.2075% | 1,300 |
| Net loans and leases to total assets | 53.0390% | 4,251 |
| Net loans and leases to deposits | 61.5492% | 4,313 |
| Net loans and leases to core deposits | 68.1412% | 4,167 |
| Total domestic deposits to total assets | 86.1734% | 1,915 |
| Equity capital to assets | 9.4930% | 4,461 |
| Core capital (leverage) ratio | 9.3688% | 4,300 |
| Tier 1 risk-based capital ratio | 15.9724% | 2,437 |
| Total risk-based capital ratio | 17.2223% | 2,381 |
| Memoranda: | ||
| Average total assets | $603,773,750 | 1,220 |
| Average earning assets | $552,807,000 | 1,230 |
| Average equity | $55,390,000 | 1,460 |
| Average total loans | $335,129,750 | 1,485 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 1,669 |
| Cost of funding earning assets | 0.7311% | 2,990 |
| Net interest margin | 4.1975% | 1,370 |
| Noninterest income to average assets | 0.6677% | 1,843 |
| Noninterest expense to average assets | 3.6622% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8507% | 3,468 |
| Return on assets (ROA) | 0.8423% | 3,557 |
| Pretax return on assets | 0.8423% | 3,991 |
| Return on Equity (ROE) | 9.2948% | 2,732 |
| Retained earnings to average equity (ytd only) | 9.2948% | 963 |
| Net charge-offs to loans | 0.1388% | 1,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 10.9224% | 2,232 |
| Efficiency ratio | 81.1500% | 872 |
| Assets per employee ($millions) | 3.7553% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 1,530 |
| Loan loss allowance to noncurrent loans | 92.0265% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.0566% | 1,296 |
| Noncurrent loans to loans | 1.5425% | 996 |
| Net loans and leases to total assets | 56.8727% | 4,020 |
| Net loans and leases to deposits | 66.2491% | 4,082 |
| Net loans and leases to core deposits | 72.2480% | 3,990 |
| Total domestic deposits to total assets | 85.8468% | 2,114 |
| Equity capital to assets | 9.6730% | 4,254 |
| Core capital (leverage) ratio | 9.3114% | 4,350 |
| Tier 1 risk-based capital ratio | 15.4357% | 2,646 |
| Total risk-based capital ratio | 16.6867% | 2,572 |
| Memoranda: | ||
| Average total assets | $595,761,670 | 1,233 |
| Average earning assets | $545,748,670 | 1,244 |
| Average equity | $53,987,330 | 1,488 |
| Average total loans | $334,346,330 | 1,496 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8056% | 1,883 |
| Cost of funding earning assets | 0.7246% | 2,922 |
| Net interest margin | 4.0810% | 1,605 |
| Noninterest income to average assets | 0.6794% | 1,688 |
| Noninterest expense to average assets | 3.5981% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8248% | 3,530 |
| Return on assets (ROA) | 0.8248% | 3,573 |
| Pretax return on assets | 0.8248% | 3,983 |
| Return on Equity (ROE) | 9.4177% | 2,623 |
| Retained earnings to average equity (ytd only) | 9.4177% | 1,187 |
| Net charge-offs to loans | 0.0993% | 1,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 15.0122% | 1,763 |
| Efficiency ratio | 81.3513% | 936 |
| Assets per employee ($millions) | 3.8306% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 1,313 |
| Loan loss allowance to noncurrent loans | 92.5878% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0898% | 1,269 |
| Noncurrent loans to loans | 1.6291% | 970 |
| Net loans and leases to total assets | 54.3844% | 4,184 |
| Net loans and leases to deposits | 63.3802% | 4,224 |
| Net loans and leases to core deposits | 69.0673% | 4,128 |
| Total domestic deposits to total assets | 85.8066% | 2,362 |
| Equity capital to assets | 9.0002% | 4,681 |
| Core capital (leverage) ratio | 9.2462% | 4,416 |
| Tier 1 risk-based capital ratio | 15.6360% | 2,591 |
| Total risk-based capital ratio | 16.8881% | 2,514 |
| Memoranda: | ||
| Average total assets | $596,975,500 | 1,233 |
| Average earning assets | $547,611,000 | 1,242 |
| Average equity | $52,284,500 | 1,518 |
| Average total loans | $330,367,500 | 1,521 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 1,167 |
| Cost of funding earning assets | 0.6476% | 2,409 |
| Net interest margin | 4.2979% | 1,161 |
| Noninterest income to average assets | 0.9267% | 1,113 |
| Noninterest expense to average assets | 3.8741% | 622 |
| Loan and lease loss provision to assets | 0.0769% | 2,590 |
| Net operating income to assets | 0.8436% | 3,630 |
| Return on assets (ROA) | 0.8436% | 3,627 |
| Pretax return on assets | 0.9272% | 3,822 |
| Return on Equity (ROE) | 10.2527% | 2,419 |
| Retained earnings to average equity (ytd only) | 2.2350% | 4,264 |
| Net charge-offs to loans | 0.4539% | 398 |
| Credit loss provision to net charge-offs | 31.2712% | 3,346 |
| Earnings coverage of net charge-offs (x) | 4.0829% | 3,335 |
| Efficiency ratio | 79.4160% | 1,007 |
| Assets per employee ($millions) | 3.9412% | 3,977 |
| Cash dividends to net income (ytd only)* | 78.2006% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,151 |
| Loan loss allowance to noncurrent loans | 95.8035% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 1,196 |
| Noncurrent loans to loans | 1.6169% | 902 |
| Net loans and leases to total assets | 54.7313% | 4,231 |
| Net loans and leases to deposits | 62.8177% | 4,322 |
| Net loans and leases to core deposits | 68.7412% | 4,192 |
| Total domestic deposits to total assets | 87.1272% | 1,717 |
| Equity capital to assets | 8.5564% | 4,890 |
| Core capital (leverage) ratio | 9.0922% | 4,567 |
| Tier 1 risk-based capital ratio | 15.5871% | 2,580 |
| Total risk-based capital ratio | 16.8398% | 2,503 |
| Memoranda: | ||
| Average total assets | $598,131,800 | 1,206 |
| Average earning assets | $549,917,800 | 1,216 |
| Average equity | $49,216,400 | 1,534 |
| Average total loans | $324,112,000 | 1,501 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 1,233 |
| Cost of funding earning assets | 0.6242% | 2,308 |
| Net interest margin | 4.2475% | 1,240 |
| Noninterest income to average assets | 0.7877% | 1,516 |
| Noninterest expense to average assets | 3.7565% | 701 |
| Loan and lease loss provision to assets | 0.0445% | 3,103 |
| Net operating income to assets | 0.8935% | 3,566 |
| Return on assets (ROA) | 0.8935% | 3,567 |
| Pretax return on assets | 0.8935% | 4,043 |
| Return on Equity (ROE) | 10.9666% | 2,191 |
| Retained earnings to average equity (ytd only) | 7.0383% | 2,107 |
| Net charge-offs to loans | 0.3930% | 416 |
| Credit loss provision to net charge-offs | 21.0084% | 3,013 |
| Earnings coverage of net charge-offs (x) | 4.4328% | 3,062 |
| Efficiency ratio | 80.0199% | 937 |
| Assets per employee ($millions) | 3.8006% | 4,168 |
| Cash dividends to net income (ytd only)* | 35.8208% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 1,026 |
| Loan loss allowance to noncurrent loans | 120.9586% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.0374% | 1,399 |
| Noncurrent loans to loans | 1.3404% | 1,244 |
| Net loans and leases to total assets | 54.4059% | 4,337 |
| Net loans and leases to deposits | 60.7086% | 4,513 |
| Net loans and leases to core deposits | 65.8979% | 4,413 |
| Total domestic deposits to total assets | 89.6180% | 633 |
| Equity capital to assets | 8.1856% | 5,095 |
| Core capital (leverage) ratio | 8.9945% | 4,712 |
| Tier 1 risk-based capital ratio | 15.4742% | 2,662 |
| Total risk-based capital ratio | 16.7277% | 2,592 |
| Memoranda: | ||
| Average total assets | $599,868,250 | 1,200 |
| Average earning assets | $551,749,000 | 1,215 |
| Average equity | $48,874,500 | 1,548 |
| Average total loans | $322,976,250 | 1,513 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7824% | 1,300 |
| Cost of funding earning assets | 0.6111% | 2,157 |
| Net interest margin | 4.1714% | 1,347 |
| Noninterest income to average assets | 0.6829% | 1,942 |
| Noninterest expense to average assets | 3.6267% | 844 |
| Loan and lease loss provision to assets | 0.0333% | 3,253 |
| Net operating income to assets | 0.8603% | 3,627 |
| Return on assets (ROA) | 0.8603% | 3,624 |
| Pretax return on assets | 0.8603% | 4,080 |
| Return on Equity (ROE) | 10.5758% | 2,293 |
| Retained earnings to average equity (ytd only) | 4.6845% | 3,243 |
| Net charge-offs to loans | 0.3980% | 395 |
| Credit loss provision to net charge-offs | 15.6740% | 2,711 |
| Earnings coverage of net charge-offs (x) | 4.2085% | 2,810 |
| Efficiency ratio | 80.2312% | 990 |
| Assets per employee ($millions) | 3.6252% | 4,432 |
| Cash dividends to net income (ytd only)* | 55.7060% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 913 |
| Loan loss allowance to noncurrent loans | 130.2130% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 1,450 |
| Noncurrent loans to loans | 1.3005% | 1,310 |
| Net loans and leases to total assets | 54.3274% | 4,310 |
| Net loans and leases to deposits | 59.4788% | 4,557 |
| Net loans and leases to core deposits | 64.4301% | 4,465 |
| Total domestic deposits to total assets | 91.3391% | 182 |
| Equity capital to assets | 8.1489% | 5,171 |
| Core capital (leverage) ratio | 8.6844% | 4,970 |
| Tier 1 risk-based capital ratio | 15.1252% | 2,811 |
| Total risk-based capital ratio | 16.3794% | 2,735 |
| Memoranda: | ||
| Average total assets | $600,926,000 | 1,203 |
| Average earning assets | $552,818,000 | 1,214 |
| Average equity | $48,885,000 | 1,555 |
| Average total loans | $320,639,330 | 1,523 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 1,183 |
| Cost of funding earning assets | 0.6090% | 1,994 |
| Net interest margin | 4.1433% | 1,324 |
| Noninterest income to average assets | 0.6820% | 1,902 |
| Noninterest expense to average assets | 3.5834% | 883 |
| Loan and lease loss provision to assets | 0.0662% | 2,447 |
| Net operating income to assets | 0.8435% | 3,533 |
| Return on assets (ROA) | 0.8435% | 3,550 |
| Pretax return on assets | 0.8435% | 4,040 |
| Return on Equity (ROE) | 10.3781% | 2,241 |
| Retained earnings to average equity (ytd only) | -1.3522% | 4,947 |
| Net charge-offs to loans | 0.1604% | 879 |
| Credit loss provision to net charge-offs | 78.7402% | 1,757 |
| Earnings coverage of net charge-offs (x) | 10.8189% | 1,885 |
| Efficiency ratio | 79.7524% | 1,167 |
| Assets per employee ($millions) | 3.8882% | 4,166 |
| Cash dividends to net income (ytd only)* | 113.0298% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 633 |
| Loan loss allowance to noncurrent loans | 170.6940% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9908% | 1,585 |
| Noncurrent loans to loans | 1.1286% | 1,625 |
| Net loans and leases to total assets | 51.3154% | 4,482 |
| Net loans and leases to deposits | 56.0354% | 4,687 |
| Net loans and leases to core deposits | 60.9315% | 4,615 |
| Total domestic deposits to total assets | 91.5768% | 174 |
| Equity capital to assets | 7.9292% | 5,291 |
| Core capital (leverage) ratio | 8.4787% | 5,154 |
| Tier 1 risk-based capital ratio | 15.2982% | 2,735 |
| Total risk-based capital ratio | 16.5551% | 2,673 |
| Memoranda: | ||
| Average total assets | $604,123,500 | 1,208 |
| Average earning assets | $555,697,000 | 1,217 |
| Average equity | $49,103,500 | 1,558 |
| Average total loans | $316,680,500 | 1,536 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 1,408 |
| Cost of funding earning assets | 0.6450% | 1,326 |
| Net interest margin | 3.9617% | 1,878 |
| Noninterest income to average assets | 0.9196% | 1,216 |
| Noninterest expense to average assets | 3.8515% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4457% | 4,551 |
| Return on assets (ROA) | 0.3767% | 4,780 |
| Pretax return on assets | 0.5964% | 4,746 |
| Return on Equity (ROE) | 4.7583% | 4,265 |
| Retained earnings to average equity (ytd only) | 2.7995% | 3,632 |
| Net charge-offs to loans | 0.3512% | 724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.2207% | 3,501 |
| Efficiency ratio | 84.5412% | 726 |
| Assets per employee ($millions) | 3.8566% | 4,190 |
| Cash dividends to net income (ytd only)* | 41.1664% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 604 |
| Loan loss allowance to noncurrent loans | 334.8205% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 2,145 |
| Noncurrent loans to loans | 0.5779% | 2,774 |
| Net loans and leases to total assets | 51.5070% | 4,552 |
| Net loans and leases to deposits | 56.6830% | 4,760 |
| Net loans and leases to core deposits | 61.7956% | 4,671 |
| Total domestic deposits to total assets | 90.8686% | 275 |
| Equity capital to assets | 8.3275% | 5,243 |
| Core capital (leverage) ratio | 8.3411% | 5,260 |
| Tier 1 risk-based capital ratio | 15.0583% | 2,825 |
| Total risk-based capital ratio | 16.3151% | 2,752 |
| Memoranda: | ||
| Average total assets | $619,089,800 | 1,166 |
| Average earning assets | $568,221,000 | 1,164 |
| Average equity | $49,009,000 | 1,545 |
| Average total loans | $294,154,600 | 1,593 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 1,300 |
| Cost of funding earning assets | 0.6456% | 1,268 |
| Net interest margin | 3.9819% | 1,774 |
| Noninterest income to average assets | 0.7486% | 1,792 |
| Noninterest expense to average assets | 3.7961% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6068% | 4,364 |
| Return on assets (ROA) | 0.4868% | 4,806 |
| Pretax return on assets | 0.4868% | 5,053 |
| Return on Equity (ROE) | 6.2364% | 4,018 |
| Retained earnings to average equity (ytd only) | 2.9467% | 4,156 |
| Net charge-offs to loans | 0.3752% | 561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.4932% | 3,334 |
| Efficiency ratio | 86.2181% | 618 |
| Assets per employee ($millions) | 3.8179% | 4,284 |
| Cash dividends to net income (ytd only)* | 52.7498% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 424 |
| Loan loss allowance to noncurrent loans | 331.7378% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 2,248 |
| Noncurrent loans to loans | 0.6574% | 2,730 |
| Net loans and leases to total assets | 46.8158% | 4,892 |
| Net loans and leases to deposits | 51.4685% | 5,074 |
| Net loans and leases to core deposits | 55.2816% | 5,029 |
| Total domestic deposits to total assets | 90.9601% | 196 |
| Equity capital to assets | 8.3460% | 5,373 |
| Core capital (leverage) ratio | 8.3911% | 5,320 |
| Tier 1 risk-based capital ratio | 15.7887% | 2,597 |
| Total risk-based capital ratio | 17.0474% | 2,530 |
| Memoranda: | ||
| Average total assets | $622,489,750 | 1,170 |
| Average earning assets | $571,268,250 | 1,169 |
| Average equity | $48,595,500 | 1,570 |
| Average total loans | $288,187,250 | 1,626 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 1,671 |
| Cost of funding earning assets | 0.6419% | 1,198 |
| Net interest margin | 3.8067% | 2,262 |
| Noninterest income to average assets | 0.7903% | 1,605 |
| Noninterest expense to average assets | 3.7215% | 753 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5623% | 4,461 |
| Return on assets (ROA) | 0.4946% | 4,757 |
| Pretax return on assets | 0.4946% | 5,013 |
| Return on Equity (ROE) | 6.4812% | 3,834 |
| Retained earnings to average equity (ytd only) | 1.4644% | 4,658 |
| Net charge-offs to loans | 0.3682% | 553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.3352% | 3,057 |
| Efficiency ratio | 86.8739% | 616 |
| Assets per employee ($millions) | 3.8330% | 4,227 |
| Cash dividends to net income (ytd only)* | 77.4048% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3226% | 364 |
| Loan loss allowance to noncurrent loans | 134.7430% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.4343% | 1,092 |
| Noncurrent loans to loans | 1.7237% | 1,052 |
| Net loans and leases to total assets | 45.3801% | 4,977 |
| Net loans and leases to deposits | 50.5268% | 5,119 |
| Net loans and leases to core deposits | 55.3690% | 5,027 |
| Total domestic deposits to total assets | 89.8138% | 600 |
| Equity capital to assets | 7.9489% | 5,560 |
| Core capital (leverage) ratio | 8.0745% | 5,496 |
| Tier 1 risk-based capital ratio | 15.0314% | 2,909 |
| Total risk-based capital ratio | 16.2904% | 2,850 |
| Memoranda: | ||
| Average total assets | $626,367,670 | 1,163 |
| Average earning assets | $574,829,670 | 1,171 |
| Average equity | $47,800,000 | 1,594 |
| Average total loans | $286,798,670 | 1,628 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 1,641 |
| Cost of funding earning assets | 0.6268% | 1,210 |
| Net interest margin | 3.7748% | 2,201 |
| Noninterest income to average assets | 0.5559% | 2,632 |
| Noninterest expense to average assets | 3.5994% | 896 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4266% | 4,866 |
| Return on assets (ROA) | 0.4266% | 4,888 |
| Pretax return on assets | 0.4266% | 5,109 |
| Return on Equity (ROE) | 5.7066% | 4,039 |
| Retained earnings to average equity (ytd only) | -2.4166% | 5,211 |
| Net charge-offs to loans | 0.6526% | 275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.4380% | 2,730 |
| Efficiency ratio | 89.4032% | 584 |
| Assets per employee ($millions) | 3.7476% | 4,423 |
| Cash dividends to net income (ytd only)* | 142.3477% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3654% | 369 |
| Loan loss allowance to noncurrent loans | 111.4632% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.6793% | 901 |
| Noncurrent loans to loans | 2.1222% | 821 |
| Net loans and leases to total assets | 43.5306% | 5,067 |
| Net loans and leases to deposits | 48.5660% | 5,192 |
| Net loans and leases to core deposits | 51.8721% | 5,149 |
| Total domestic deposits to total assets | 89.6318% | 841 |
| Equity capital to assets | 7.4146% | 5,697 |
| Core capital (leverage) ratio | 7.7723% | 5,640 |
| Tier 1 risk-based capital ratio | 15.5249% | 2,746 |
| Total risk-based capital ratio | 16.7853% | 2,670 |
| Memoranda: | ||
| Average total assets | $630,997,500 | 1,158 |
| Average earning assets | $580,064,500 | 1,162 |
| Average equity | $47,173,500 | 1,608 |
| Average total loans | $286,846,500 | 1,639 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 1,531 |
| Cost of funding earning assets | 0.6289% | 1,159 |
| Net interest margin | 3.8721% | 2,056 |
| Noninterest income to average assets | 0.7418% | 1,988 |
| Noninterest expense to average assets | 3.8623% | 720 |
| Loan and lease loss provision to assets | 0.0813% | 2,731 |
| Net operating income to assets | 0.3523% | 5,076 |
| Return on assets (ROA) | 0.5373% | 4,580 |
| Pretax return on assets | 0.5373% | 4,952 |
| Return on Equity (ROE) | 6.4535% | 3,760 |
| Retained earnings to average equity (ytd only) | 5.1483% | 2,240 |
| Net charge-offs to loans | 0.3656% | 745 |
| Credit loss provision to net charge-offs | 47.1698% | 3,410 |
| Earnings coverage of net charge-offs (x) | 2.5151% | 3,817 |
| Efficiency ratio | 89.9050% | 559 |
| Assets per employee ($millions) | 3.7673% | 4,367 |
| Cash dividends to net income (ytd only)* | 20.2240% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4934% | 317 |
| Loan loss allowance to noncurrent loans | 116.7853% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.6661% | 936 |
| Noncurrent loans to loans | 2.1350% | 807 |
| Net loans and leases to total assets | 45.1608% | 5,061 |
| Net loans and leases to deposits | 51.4289% | 5,149 |
| Net loans and leases to core deposits | 57.4412% | 4,999 |
| Total domestic deposits to total assets | 87.8121% | 1,734 |
| Equity capital to assets | 7.6294% | 5,686 |
| Core capital (leverage) ratio | 8.2288% | 5,489 |
| Tier 1 risk-based capital ratio | 15.3991% | 2,792 |
| Total risk-based capital ratio | 16.6608% | 2,722 |
| Memoranda: | ||
| Average total assets | $614,736,400 | 1,140 |
| Average earning assets | $564,274,400 | 1,149 |
| Average equity | $51,181,600 | 1,491 |
| Average total loans | $289,935,800 | 1,564 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 1,473 |
| Cost of funding earning assets | 0.6205% | 1,200 |
| Net interest margin | 3.9018% | 1,974 |
| Noninterest income to average assets | 0.5982% | 2,672 |
| Noninterest expense to average assets | 3.6430% | 930 |
| Loan and lease loss provision to assets | 0.1089% | 2,109 |
| Net operating income to assets | 0.4350% | 4,920 |
| Return on assets (ROA) | 0.6565% | 4,170 |
| Pretax return on assets | 0.6565% | 4,721 |
| Return on Equity (ROE) | 7.7207% | 3,166 |
| Retained earnings to average equity (ytd only) | 6.4425% | 1,941 |
| Net charge-offs to loans | 0.3848% | 572 |
| Credit loss provision to net charge-offs | 59.7372% | 2,913 |
| Earnings coverage of net charge-offs (x) | 2.9833% | 3,486 |
| Efficiency ratio | 87.0090% | 734 |
| Assets per employee ($millions) | 3.6407% | 4,582 |
| Cash dividends to net income (ytd only)* | 16.5561% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5933% | 298 |
| Loan loss allowance to noncurrent loans | 121.4321% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.5687% | 1,121 |
| Noncurrent loans to loans | 2.1356% | 889 |
| Net loans and leases to total assets | 45.7202% | 5,109 |
| Net loans and leases to deposits | 50.9202% | 5,256 |
| Net loans and leases to core deposits | 57.0189% | 5,095 |
| Total domestic deposits to total assets | 89.7879% | 561 |
| Equity capital to assets | 8.8035% | 5,314 |
| Core capital (leverage) ratio | 8.3060% | 5,496 |
| Tier 1 risk-based capital ratio | 16.1516% | 2,565 |
| Total risk-based capital ratio | 17.4150% | 2,511 |
| Memoranda: | ||
| Average total assets | $612,078,750 | 1,154 |
| Average earning assets | $562,968,750 | 1,152 |
| Average equity | $52,049,000 | 1,478 |
| Average total loans | $290,009,000 | 1,566 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 1,334 |
| Cost of funding earning assets | 0.6046% | 1,282 |
| Net interest margin | 3.9643% | 1,757 |
| Noninterest income to average assets | 0.6289% | 2,469 |
| Noninterest expense to average assets | 3.6010% | 1,009 |
| Loan and lease loss provision to assets | 0.1633% | 1,383 |
| Net operating income to assets | 0.5126% | 4,627 |
| Return on assets (ROA) | 0.6419% | 4,224 |
| Pretax return on assets | 0.6419% | 4,782 |
| Return on Equity (ROE) | 7.6385% | 3,179 |
| Retained earnings to average equity (ytd only) | 6.5151% | 1,866 |
| Net charge-offs to loans | 0.3196% | 740 |
| Credit loss provision to net charge-offs | 107.5269% | 1,996 |
| Earnings coverage of net charge-offs (x) | 4.4495% | 2,985 |
| Efficiency ratio | 84.1965% | 1,030 |
| Assets per employee ($millions) | 3.4746% | 4,791 |
| Cash dividends to net income (ytd only)* | 14.7074% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7010% | 285 |
| Loan loss allowance to noncurrent loans | 130.7409% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.5910% | 1,168 |
| Noncurrent loans to loans | 2.0660% | 948 |
| Net loans and leases to total assets | 45.5296% | 5,156 |
| Net loans and leases to deposits | 50.6720% | 5,306 |
| Net loans and leases to core deposits | 56.9089% | 5,129 |
| Total domestic deposits to total assets | 89.8515% | 539 |
| Equity capital to assets | 8.7399% | 5,451 |
| Core capital (leverage) ratio | 8.3763% | 5,466 |
| Tier 1 risk-based capital ratio | 16.2106% | 2,544 |
| Total risk-based capital ratio | 17.4754% | 2,480 |
| Memoranda: | ||
| Average total assets | $612,225,000 | 1,158 |
| Average earning assets | $563,377,330 | 1,157 |
| Average equity | $51,450,000 | 1,501 |
| Average total loans | $290,982,670 | 1,565 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5512% | 1,375 |
| Cost of funding earning assets | 0.5948% | 1,365 |
| Net interest margin | 3.9564% | 1,761 |
| Noninterest income to average assets | 0.8353% | 1,494 |
| Noninterest expense to average assets | 3.6020% | 1,015 |
| Loan and lease loss provision to assets | 0.2463% | 724 |
| Net operating income to assets | 0.6127% | 4,120 |
| Return on assets (ROA) | 0.6127% | 4,242 |
| Pretax return on assets | 0.6127% | 4,782 |
| Return on Equity (ROE) | 7.4420% | 3,218 |
| Retained earnings to average equity (ytd only) | 5.9265% | 2,409 |
| Net charge-offs to loans | 0.2330% | 881 |
| Credit loss provision to net charge-offs | 221.8935% | 1,016 |
| Earnings coverage of net charge-offs (x) | 7.7396% | 2,122 |
| Efficiency ratio | 80.7449% | 1,519 |
| Assets per employee ($millions) | 3.6746% | 4,509 |
| Cash dividends to net income (ytd only)* | 20.3644% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7500% | 290 |
| Loan loss allowance to noncurrent loans | 104.7881% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.8100% | 1,023 |
| Noncurrent loans to loans | 2.6243% | 690 |
| Net loans and leases to total assets | 46.0333% | 5,111 |
| Net loans and leases to deposits | 52.0295% | 5,227 |
| Net loans and leases to core deposits | 58.1882% | 5,034 |
| Total domestic deposits to total assets | 88.4754% | 1,365 |
| Equity capital to assets | 8.4407% | 5,607 |
| Core capital (leverage) ratio | 8.2457% | 5,616 |
| Tier 1 risk-based capital ratio | 14.3296% | 3,482 |
| Total risk-based capital ratio | 15.5922% | 3,398 |
| Memoranda: | ||
| Average total assets | $609,100,000 | 1,159 |
| Average earning assets | $558,182,500 | 1,164 |
| Average equity | $50,148,000 | 1,526 |
| Average total loans | $290,109,000 | 1,560 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 1,310 |
| Cost of funding earning assets | 0.5571% | 1,703 |
| Net interest margin | 4.0516% | 1,554 |
| Noninterest income to average assets | 0.8536% | 1,594 |
| Noninterest expense to average assets | 3.8588% | 800 |
| Loan and lease loss provision to assets | 0.2339% | 837 |
| Net operating income to assets | 0.4306% | 4,950 |
| Return on assets (ROA) | 0.4477% | 4,973 |
| Pretax return on assets | 0.5293% | 5,046 |
| Return on Equity (ROE) | 5.4843% | 4,292 |
| Retained earnings to average equity (ytd only) | 2.4626% | 4,316 |
| Net charge-offs to loans | 0.5585% | 439 |
| Credit loss provision to net charge-offs | 85.3731% | 2,849 |
| Earnings coverage of net charge-offs (x) | 2.7122% | 3,844 |
| Efficiency ratio | 83.8534% | 1,192 |
| Assets per employee ($millions) | 3.7065% | 4,460 |
| Cash dividends to net income (ytd only)* | 55.0968% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6814% | 325 |
| Loan loss allowance to noncurrent loans | 91.2587% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 2.2688% | 734 |
| Noncurrent loans to loans | 2.9382% | 556 |
| Net loans and leases to total assets | 47.0373% | 5,089 |
| Net loans and leases to deposits | 53.1812% | 5,205 |
| Net loans and leases to core deposits | 58.7170% | 5,063 |
| Total domestic deposits to total assets | 88.4473% | 1,405 |
| Equity capital to assets | 8.1135% | 5,805 |
| Core capital (leverage) ratio | 8.2117% | 5,687 |
| Tier 1 risk-based capital ratio | 14.7922% | 3,278 |
| Total risk-based capital ratio | 16.0553% | 3,206 |
| Memoranda: | ||
| Average total assets | $611,409,600 | 1,116 |
| Average earning assets | $565,635,200 | 1,107 |
| Average equity | $49,906,400 | 1,497 |
| Average total loans | $299,920,200 | 1,468 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 1,286 |
| Cost of funding earning assets | 0.5504% | 1,803 |
| Net interest margin | 4.0689% | 1,496 |
| Noninterest income to average assets | 0.6318% | 2,574 |
| Noninterest expense to average assets | 3.5095% | 1,267 |
| Loan and lease loss provision to assets | 0.2446% | 715 |
| Net operating income to assets | 0.6473% | 4,145 |
| Return on assets (ROA) | 0.6718% | 4,134 |
| Pretax return on assets | 0.6718% | 4,773 |
| Return on Equity (ROE) | 8.2187% | 2,957 |
| Retained earnings to average equity (ytd only) | 6.9846% | 1,695 |
| Net charge-offs to loans | 0.6700% | 323 |
| Credit loss provision to net charge-offs | 74.1595% | 2,694 |
| Earnings coverage of net charge-offs (x) | 2.7040% | 3,616 |
| Efficiency ratio | 79.7362% | 1,697 |
| Assets per employee ($millions) | 3.7533% | 4,351 |
| Cash dividends to net income (ytd only)* | 15.0161% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5068% | 433 |
| Loan loss allowance to noncurrent loans | 82.7018% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 2.2692% | 819 |
| Noncurrent loans to loans | 3.0311% | 574 |
| Net loans and leases to total assets | 46.8300% | 5,165 |
| Net loans and leases to deposits | 54.0974% | 5,249 |
| Net loans and leases to core deposits | 59.7536% | 5,083 |
| Total domestic deposits to total assets | 86.5660% | 2,248 |
| Equity capital to assets | 8.0757% | 5,931 |
| Core capital (leverage) ratio | 8.4591% | 5,582 |
| Tier 1 risk-based capital ratio | 14.7863% | 3,395 |
| Total risk-based capital ratio | 16.0479% | 3,339 |
| Memoranda: | ||
| Average total assets | $613,221,250 | 1,118 |
| Average earning assets | $568,099,750 | 1,108 |
| Average equity | $50,128,250 | 1,489 |
| Average total loans | $301,897,250 | 1,471 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6927% | 1,080 |
| Cost of funding earning assets | 0.5502% | 1,809 |
| Net interest margin | 4.1425% | 1,244 |
| Noninterest income to average assets | 0.5670% | 2,931 |
| Noninterest expense to average assets | 3.5015% | 1,293 |
| Loan and lease loss provision to assets | 0.2480% | 709 |
| Net operating income to assets | 0.6533% | 4,107 |
| Return on assets (ROA) | 0.7214% | 3,901 |
| Pretax return on assets | 0.7214% | 4,593 |
| Return on Equity (ROE) | 8.7875% | 2,664 |
| Retained earnings to average equity (ytd only) | 7.6598% | 1,402 |
| Net charge-offs to loans | 0.8203% | 256 |
| Credit loss provision to net charge-offs | 60.8766% | 2,581 |
| Earnings coverage of net charge-offs (x) | 2.2127% | 3,387 |
| Efficiency ratio | 79.5299% | 1,830 |
| Assets per employee ($millions) | 3.6463% | 4,541 |
| Cash dividends to net income (ytd only)* | 12.8323% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4562% | 507 |
| Loan loss allowance to noncurrent loans | 89.7094% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.3081% | 869 |
| Noncurrent loans to loans | 2.7380% | 780 |
| Net loans and leases to total assets | 49.5186% | 4,976 |
| Net loans and leases to deposits | 57.9333% | 4,997 |
| Net loans and leases to core deposits | 64.4038% | 4,783 |
| Total domestic deposits to total assets | 85.4752% | 2,934 |
| Equity capital to assets | 8.0248% | 5,972 |
| Core capital (leverage) ratio | 8.2677% | 5,736 |
| Tier 1 risk-based capital ratio | 15.2534% | 3,224 |
| Total risk-based capital ratio | 16.5160% | 3,153 |
| Memoranda: | ||
| Average total assets | $604,939,670 | 1,141 |
| Average earning assets | $560,150,000 | 1,122 |
| Average equity | $49,661,670 | 1,510 |
| Average total loans | $300,366,670 | 1,478 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4993% | 1,460 |
| Cost of funding earning assets | 0.5237% | 2,071 |
| Net interest margin | 3.9756% | 1,639 |
| Noninterest income to average assets | 0.6272% | 2,514 |
| Noninterest expense to average assets | 3.3246% | 1,658 |
| Loan and lease loss provision to assets | 0.2494% | 667 |
| Net operating income to assets | 0.7535% | 3,517 |
| Return on assets (ROA) | 0.8899% | 2,915 |
| Pretax return on assets | 0.8899% | 3,927 |
| Return on Equity (ROE) | 10.7898% | 1,696 |
| Retained earnings to average equity (ytd only) | 9.2979% | 1,103 |
| Net charge-offs to loans | 1.0230% | 233 |
| Credit loss provision to net charge-offs | 49.5376% | 2,106 |
| Earnings coverage of net charge-offs (x) | 1.9921% | 2,837 |
| Efficiency ratio | 76.8250% | 2,368 |
| Assets per employee ($millions) | 3.6058% | 4,711 |
| Cash dividends to net income (ytd only)* | 13.8266% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4841% | 541 |
| Loan loss allowance to noncurrent loans | 89.8610% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 2.3107% | 967 |
| Noncurrent loans to loans | 2.7644% | 838 |
| Net loans and leases to total assets | 48.4124% | 4,990 |
| Net loans and leases to deposits | 55.4790% | 5,082 |
| Net loans and leases to core deposits | 60.8631% | 4,929 |
| Total domestic deposits to total assets | 87.2625% | 2,230 |
| Equity capital to assets | 8.2029% | 5,934 |
| Core capital (leverage) ratio | 8.3337% | 5,689 |
| Tier 1 risk-based capital ratio | 15.3988% | 3,197 |
| Total risk-based capital ratio | 16.6624% | 3,127 |
| Memoranda: | ||
| Average total assets | $601,447,500 | 1,150 |
| Average earning assets | $559,814,500 | 1,128 |
| Average equity | $49,602,500 | 1,517 |
| Average total loans | $295,984,500 | 1,498 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 1,178 |
| Cost of funding earning assets | 0.5440% | 2,256 |
| Net interest margin | 4.2233% | 1,235 |
| Noninterest income to average assets | 0.7436% | 2,109 |
| Noninterest expense to average assets | 3.7111% | 1,126 |
| Loan and lease loss provision to assets | 0.1103% | 2,326 |
| Net operating income to assets | 0.7766% | 3,486 |
| Return on assets (ROA) | 1.0262% | 2,349 |
| Pretax return on assets | 1.1497% | 2,873 |
| Return on Equity (ROE) | 12.7756% | 1,187 |
| Retained earnings to average equity (ytd only) | 9.3065% | 641 |
| Net charge-offs to loans | 0.6871% | 542 |
| Credit loss provision to net charge-offs | 32.4675% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.8836% | 4,036 |
| Efficiency ratio | 79.1167% | 2,049 |
| Assets per employee ($millions) | 3.8350% | 4,275 |
| Cash dividends to net income (ytd only)* | 27.1539% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8607% | 348 |
| Loan loss allowance to noncurrent loans | 100.0496% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.7956% | 1,457 |
| Noncurrent loans to loans | 2.8592% | 808 |
| Net loans and leases to total assets | 47.3505% | 5,213 |
| Net loans and leases to deposits | 57.1970% | 5,112 |
| Net loans and leases to core deposits | 61.4603% | 5,043 |
| Total domestic deposits to total assets | 82.7849% | 4,155 |
| Equity capital to assets | 8.2949% | 5,895 |
| Core capital (leverage) ratio | 8.3514% | 5,724 |
| Tier 1 risk-based capital ratio | 16.1882% | 2,862 |
| Total risk-based capital ratio | 17.4566% | 2,798 |
| Memoranda: | ||
| Average total assets | $566,672,600 | 1,166 |
| Average earning assets | $529,609,000 | 1,146 |
| Average equity | $45,516,400 | 1,583 |
| Average total loans | $280,172,200 | 1,516 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 1,094 |
| Cost of funding earning assets | 0.5468% | 2,322 |
| Net interest margin | 4.2597% | 1,131 |
| Noninterest income to average assets | 0.5967% | 2,898 |
| Noninterest expense to average assets | 3.5849% | 1,320 |
| Loan and lease loss provision to assets | 0.0591% | 3,186 |
| Net operating income to assets | 0.8900% | 2,955 |
| Return on assets (ROA) | 0.9967% | 2,531 |
| Pretax return on assets | 1.0440% | 3,407 |
| Return on Equity (ROE) | 12.5141% | 1,338 |
| Retained earnings to average equity (ytd only) | 10.9725% | 516 |
| Net charge-offs to loans | 0.7752% | 434 |
| Credit loss provision to net charge-offs | 15.3752% | 3,629 |
| Earnings coverage of net charge-offs (x) | 2.5756% | 3,877 |
| Efficiency ratio | 78.3465% | 2,127 |
| Assets per employee ($millions) | 3.4942% | 4,872 |
| Cash dividends to net income (ytd only)* | 12.3190% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9117% | 393 |
| Loan loss allowance to noncurrent loans | 116.6545% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6851% | 1,799 |
| Noncurrent loans to loans | 2.4960% | 1,176 |
| Net loans and leases to total assets | 48.3118% | 5,178 |
| Net loans and leases to deposits | 55.0516% | 5,303 |
| Net loans and leases to core deposits | 59.4178% | 5,232 |
| Total domestic deposits to total assets | 87.7572% | 1,893 |
| Equity capital to assets | 8.5785% | 5,741 |
| Core capital (leverage) ratio | 8.2756% | 5,858 |
| Tier 1 risk-based capital ratio | 15.6255% | 3,245 |
| Total risk-based capital ratio | 16.8927% | 3,175 |
| Memoranda: | ||
| Average total assets | $563,568,250 | 1,187 |
| Average earning assets | $526,439,750 | 1,162 |
| Average equity | $44,886,750 | 1,612 |
| Average total loans | $279,646,000 | 1,531 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6955% | 1,288 |
| Cost of funding earning assets | 0.5427% | 2,409 |
| Net interest margin | 4.1529% | 1,374 |
| Noninterest income to average assets | 0.6429% | 2,589 |
| Noninterest expense to average assets | 3.5354% | 1,413 |
| Loan and lease loss provision to assets | 0.0881% | 2,558 |
| Net operating income to assets | 0.8985% | 2,820 |
| Return on assets (ROA) | 0.9306% | 2,754 |
| Pretax return on assets | 0.9306% | 3,758 |
| Return on Equity (ROE) | 11.9830% | 1,425 |
| Retained earnings to average equity (ytd only) | 10.7121% | 583 |
| Net charge-offs to loans | 0.9691% | 365 |
| Credit loss provision to net charge-offs | 18.3419% | 3,219 |
| Earnings coverage of net charge-offs (x) | 2.0536% | 3,653 |
| Efficiency ratio | 78.1822% | 2,267 |
| Assets per employee ($millions) | 3.7896% | 4,275 |
| Cash dividends to net income (ytd only)* | 10.6061% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9602% | 400 |
| Loan loss allowance to noncurrent loans | 132.5525% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.5006% | 2,176 |
| Noncurrent loans to loans | 2.2332% | 1,467 |
| Net loans and leases to total assets | 45.8131% | 5,380 |
| Net loans and leases to deposits | 52.6555% | 5,452 |
| Net loans and leases to core deposits | 56.5029% | 5,378 |
| Total domestic deposits to total assets | 87.0053% | 2,452 |
| Equity capital to assets | 7.9544% | 6,180 |
| Core capital (leverage) ratio | 8.2183% | 5,909 |
| Tier 1 risk-based capital ratio | 14.7222% | 3,797 |
| Total risk-based capital ratio | 15.9892% | 3,738 |
| Memoranda: | ||
| Average total assets | $567,397,330 | 1,170 |
| Average earning assets | $529,991,330 | 1,150 |
| Average equity | $44,062,330 | 1,623 |
| Average total loans | $281,288,330 | 1,517 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 1,050 |
| Cost of funding earning assets | 0.5604% | 2,340 |
| Net interest margin | 4.2372% | 1,125 |
| Noninterest income to average assets | 0.8432% | 1,592 |
| Noninterest expense to average assets | 3.5866% | 1,330 |
| Loan and lease loss provision to assets | 0.1800% | 1,339 |
| Net operating income to assets | 1.0239% | 2,110 |
| Return on assets (ROA) | 1.0117% | 2,231 |
| Pretax return on assets | 1.0117% | 3,279 |
| Return on Equity (ROE) | 13.1984% | 1,111 |
| Retained earnings to average equity (ytd only) | 11.4605% | 680 |
| Net charge-offs to loans | 0.4122% | 878 |
| Credit loss provision to net charge-offs | 85.9107% | 1,836 |
| Earnings coverage of net charge-offs (x) | 5.7457% | 2,340 |
| Efficiency ratio | 74.8685% | 2,986 |
| Assets per employee ($millions) | 3.6560% | 4,616 |
| Cash dividends to net income (ytd only)* | 13.1673% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2982% | 328 |
| Loan loss allowance to noncurrent loans | 111.3178% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 2.0914% | 1,608 |
| Noncurrent loans to loans | 2.9628% | 1,085 |
| Net loans and leases to total assets | 48.6072% | 5,048 |
| Net loans and leases to deposits | 56.5413% | 5,070 |
| Net loans and leases to core deposits | 60.8252% | 4,970 |
| Total domestic deposits to total assets | 85.9675% | 3,382 |
| Equity capital to assets | 7.8584% | 6,142 |
| Core capital (leverage) ratio | 8.0913% | 6,047 |
| Tier 1 risk-based capital ratio | 14.1236% | 4,241 |
| Total risk-based capital ratio | 15.3944% | 4,178 |
| Memoranda: | ||
| Average total assets | $555,506,000 | 1,202 |
| Average earning assets | $517,514,500 | 1,187 |
| Average equity | $42,581,000 | 1,676 |
| Average total loans | $282,382,500 | 1,518 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7513% | 1,438 |
| Cost of funding earning assets | 0.5583% | 3,039 |
| Net interest margin | 4.1931% | 1,369 |
| Noninterest income to average assets | 3.4034% | 189 |
| Noninterest expense to average assets | 4.1096% | 766 |
| Loan and lease loss provision to assets | 1.5736% | 79 |
| Net operating income to assets | 0.9839% | 2,397 |
| Return on assets (ROA) | 1.0440% | 2,212 |
| Pretax return on assets | 1.7217% | 904 |
| Return on Equity (ROE) | 13.7743% | 999 |
| Retained earnings to average equity (ytd only) | 10.1926% | 528 |
| Net charge-offs to loans | 1.3021% | 389 |
| Credit loss provision to net charge-offs | 246.9111% | 928 |
| Earnings coverage of net charge-offs (x) | 5.0234% | 3,404 |
| Efficiency ratio | 56.2102% | 5,931 |
| Assets per employee ($millions) | 3.5127% | 4,874 |
| Cash dividends to net income (ytd only)* | 26.0031% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3273% | 333 |
| Loan loss allowance to noncurrent loans | 113.3478% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 2.1132% | 1,695 |
| Noncurrent loans to loans | 2.9355% | 1,191 |
| Net loans and leases to total assets | 49.7066% | 5,120 |
| Net loans and leases to deposits | 60.3564% | 4,910 |
| Net loans and leases to core deposits | 65.3270% | 4,749 |
| Total domestic deposits to total assets | 82.3551% | 4,747 |
| Equity capital to assets | 7.4668% | 6,301 |
| Core capital (leverage) ratio | 7.9851% | 6,146 |
| Tier 1 risk-based capital ratio | 13.6829% | 4,529 |
| Total risk-based capital ratio | 14.9536% | 4,462 |
| Memoranda: | ||
| Average total assets | $556,239,000 | 1,186 |
| Average earning assets | $518,379,800 | 1,172 |
| Average equity | $42,158,200 | 1,662 |
| Average total loans | $272,248,600 | 1,547 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 1,781 |
| Cost of funding earning assets | 0.5962% | 2,842 |
| Net interest margin | 4.0405% | 1,819 |
| Noninterest income to average assets | 0.7422% | 2,402 |
| Noninterest expense to average assets | 3.5203% | 1,567 |
| Loan and lease loss provision to assets | 0.3379% | 964 |
| Net operating income to assets | 0.6515% | 4,111 |
| Return on assets (ROA) | 0.7386% | 3,785 |
| Pretax return on assets | 0.7386% | 4,545 |
| Return on Equity (ROE) | 9.7105% | 2,300 |
| Retained earnings to average equity (ytd only) | 8.3228% | 1,285 |
| Net charge-offs to loans | 0.3226% | 1,928 |
| Credit loss provision to net charge-offs | 216.6922% | 1,118 |
| Earnings coverage of net charge-offs (x) | 6.3446% | 2,996 |
| Efficiency ratio | 78.0608% | 2,410 |
| Assets per employee ($millions) | 3.6029% | 4,650 |
| Cash dividends to net income (ytd only)* | 14.2904% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 2,161 |
| Loan loss allowance to noncurrent loans | 69.8852% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.9443% | 2,088 |
| Noncurrent loans to loans | 2.6391% | 1,605 |
| Net loans and leases to total assets | 46.6730% | 5,476 |
| Net loans and leases to deposits | 56.7889% | 5,304 |
| Net loans and leases to core deposits | 61.3470% | 5,178 |
| Total domestic deposits to total assets | 82.1869% | 4,867 |
| Equity capital to assets | 7.3049% | 6,459 |
| Core capital (leverage) ratio | 7.6176% | 6,398 |
| Tier 1 risk-based capital ratio | 13.2938% | 4,908 |
| Total risk-based capital ratio | 14.5476% | 4,843 |
| Memoranda: | ||
| Average total assets | $558,302,750 | 1,199 |
| Average earning assets | $520,576,250 | 1,181 |
| Average equity | $42,468,500 | 1,659 |
| Average total loans | $269,871,000 | 1,556 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 2,095 |
| Cost of funding earning assets | 0.6010% | 2,927 |
| Net interest margin | 3.9268% | 2,123 |
| Noninterest income to average assets | 0.7791% | 2,281 |
| Noninterest expense to average assets | 3.3663% | 1,898 |
| Loan and lease loss provision to assets | 0.3734% | 873 |
| Net operating income to assets | 0.7062% | 3,774 |
| Return on assets (ROA) | 0.8279% | 3,309 |
| Pretax return on assets | 0.8279% | 4,204 |
| Return on Equity (ROE) | 10.7408% | 1,911 |
| Retained earnings to average equity (ytd only) | 9.5484% | 952 |
| Net charge-offs to loans | 0.3952% | 1,632 |
| Credit loss provision to net charge-offs | 194.3925% | 1,219 |
| Earnings coverage of net charge-offs (x) | 5.6206% | 2,853 |
| Efficiency ratio | 75.7167% | 2,827 |
| Assets per employee ($millions) | 3.2327% | 5,407 |
| Cash dividends to net income (ytd only)* | 11.1015% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 2,791 |
| Loan loss allowance to noncurrent loans | 55.6124% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.9819% | 2,171 |
| Noncurrent loans to loans | 3.0493% | 1,456 |
| Net loans and leases to total assets | 48.7091% | 5,262 |
| Net loans and leases to deposits | 56.7897% | 5,266 |
| Net loans and leases to core deposits | 59.8551% | 5,271 |
| Total domestic deposits to total assets | 85.7711% | 3,493 |
| Equity capital to assets | 7.3822% | 6,479 |
| Core capital (leverage) ratio | 7.3628% | 6,509 |
| Tier 1 risk-based capital ratio | 14.0194% | 4,412 |
| Total risk-based capital ratio | 15.2734% | 4,370 |
| Memoranda: | ||
| Average total assets | $557,055,000 | 1,201 |
| Average earning assets | $520,168,000 | 1,183 |
| Average equity | $42,939,000 | 1,645 |
| Average total loans | $270,743,670 | 1,556 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 2,629 |
| Cost of funding earning assets | 0.5850% | 3,254 |
| Net interest margin | 3.7827% | 2,510 |
| Noninterest income to average assets | 1.0029% | 1,452 |
| Noninterest expense to average assets | 3.2957% | 2,095 |
| Loan and lease loss provision to assets | 0.2870% | 1,222 |
| Net operating income to assets | 0.9506% | 2,439 |
| Return on assets (ROA) | 1.1937% | 1,649 |
| Pretax return on assets | 1.1937% | 2,599 |
| Return on Equity (ROE) | 15.1669% | 729 |
| Retained earnings to average equity (ytd only) | 13.3622% | 511 |
| Net charge-offs to loans | 0.3324% | 1,641 |
| Credit loss provision to net charge-offs | 179.3722% | 1,188 |
| Earnings coverage of net charge-offs (x) | 7.7354% | 2,026 |
| Efficiency ratio | 72.7014% | 3,483 |
| Assets per employee ($millions) | 3.3685% | 5,283 |
| Cash dividends to net income (ytd only)* | 11.8990% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 3,662 |
| Loan loss allowance to noncurrent loans | 47.5118% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 2.1673% | 2,160 |
| Noncurrent loans to loans | 3.2375% | 1,509 |
| Net loans and leases to total assets | 47.9936% | 5,227 |
| Net loans and leases to deposits | 52.9825% | 5,520 |
| Net loans and leases to core deposits | 56.3760% | 5,490 |
| Total domestic deposits to total assets | 90.5839% | 723 |
| Equity capital to assets | 7.6422% | 6,544 |
| Core capital (leverage) ratio | 7.0655% | 6,624 |
| Tier 1 risk-based capital ratio | 12.8677% | 5,321 |
| Total risk-based capital ratio | 14.1166% | 5,268 |
| Memoranda: | ||
| Average total assets | $557,571,000 | 1,211 |
| Average earning assets | $520,367,500 | 1,191 |
| Average equity | $43,885,000 | 1,629 |
| Average total loans | $268,362,500 | 1,575 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 3,890 |
| Cost of funding earning assets | 0.6333% | 4,065 |
| Net interest margin | 3.7480% | 3,452 |
| Noninterest income to average assets | 1.0738% | 1,351 |
| Noninterest expense to average assets | 3.6566% | 1,494 |
| Loan and lease loss provision to assets | 0.2122% | 3,024 |
| Net operating income to assets | 0.5284% | 4,566 |
| Return on assets (ROA) | 0.6988% | 3,995 |
| Pretax return on assets | 0.9225% | 3,844 |
| Return on Equity (ROE) | 8.9878% | 2,640 |
| Retained earnings to average equity (ytd only) | 6.3667% | 1,893 |
| Net charge-offs to loans | 0.7876% | 1,488 |
| Credit loss provision to net charge-offs | 63.8706% | 4,343 |
| Earnings coverage of net charge-offs (x) | 2.7407% | 4,057 |
| Efficiency ratio | 80.0646% | 2,135 |
| Assets per employee ($millions) | 3.6447% | 4,683 |
| Cash dividends to net income (ytd only)* | 29.1634% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 3,152 |
| Loan loss allowance to noncurrent loans | 76.5149% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.3097% | 3,461 |
| Noncurrent loans to loans | 2.1414% | 2,535 |
| Net loans and leases to total assets | 46.6902% | 5,550 |
| Net loans and leases to deposits | 51.7080% | 5,824 |
| Net loans and leases to core deposits | 51.7080% | 6,035 |
| Total domestic deposits to total assets | 90.2959% | 807 |
| Equity capital to assets | 8.1179% | 6,344 |
| Core capital (leverage) ratio | 7.4340% | 6,530 |
| Tier 1 risk-based capital ratio | 14.0655% | 4,334 |
| Total risk-based capital ratio | 15.3204% | 4,290 |
| Memoranda: | ||
| Average total assets | $549,068,800 | 1,221 |
| Average earning assets | $511,746,000 | 1,185 |
| Average equity | $42,691,000 | 1,633 |
| Average total loans | $231,602,600 | 1,756 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 3,999 |
| Cost of funding earning assets | 0.6457% | 4,232 |
| Net interest margin | 3.7665% | 3,483 |
| Noninterest income to average assets | 0.4914% | 3,977 |
| Noninterest expense to average assets | 3.3475% | 2,139 |
| Loan and lease loss provision to assets | 0.2088% | 2,984 |
| Net operating income to assets | 0.3887% | 5,298 |
| Return on assets (ROA) | 0.6333% | 4,478 |
| Pretax return on assets | 0.7058% | 4,841 |
| Return on Equity (ROE) | 8.2338% | 3,172 |
| Retained earnings to average equity (ytd only) | 6.3981% | 2,433 |
| Net charge-offs to loans | 0.6987% | 1,578 |
| Credit loss provision to net charge-offs | 73.0574% | 3,819 |
| Earnings coverage of net charge-offs (x) | 2.2492% | 4,140 |
| Efficiency ratio | 83.8918% | 1,601 |
| Assets per employee ($millions) | 3.7330% | 4,467 |
| Cash dividends to net income (ytd only)* | 22.2942% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8878% | 2,518 |
| Loan loss allowance to noncurrent loans | 86.2749% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.2471% | 3,803 |
| Noncurrent loans to loans | 2.1881% | 2,633 |
| Net loans and leases to total assets | 42.9785% | 6,040 |
| Net loans and leases to deposits | 47.4337% | 6,289 |
| Net loans and leases to core deposits | 47.4337% | 6,448 |
| Total domestic deposits to total assets | 90.6075% | 554 |
| Equity capital to assets | 7.9995% | 6,588 |
| Core capital (leverage) ratio | 7.3572% | 6,694 |
| Tier 1 risk-based capital ratio | 14.4499% | 4,220 |
| Total risk-based capital ratio | 15.7049% | 4,185 |
| Memoranda: | ||
| Average total assets | $552,394,750 | 1,224 |
| Average earning assets | $513,143,750 | 1,198 |
| Average equity | $42,490,500 | 1,655 |
| Average total loans | $225,924,000 | 1,815 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 4,331 |
| Cost of funding earning assets | 0.6641% | 4,333 |
| Net interest margin | 3.6995% | 3,820 |
| Noninterest income to average assets | 0.4935% | 3,958 |
| Noninterest expense to average assets | 3.2181% | 2,532 |
| Loan and lease loss provision to assets | 0.2037% | 3,034 |
| Net operating income to assets | 0.4891% | 4,867 |
| Return on assets (ROA) | 0.5104% | 5,037 |
| Pretax return on assets | 0.5104% | 5,409 |
| Return on Equity (ROE) | 6.7235% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.5820% | 3,556 |
| Net charge-offs to loans | 0.8139% | 1,355 |
| Credit loss provision to net charge-offs | 62.6386% | 3,732 |
| Earnings coverage of net charge-offs (x) | 2.1308% | 3,920 |
| Efficiency ratio | 82.2857% | 1,847 |
| Assets per employee ($millions) | 3.5113% | 4,954 |
| Cash dividends to net income (ytd only)* | 31.8503% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 2,372 |
| Loan loss allowance to noncurrent loans | 70.2614% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.4192% | 3,595 |
| Noncurrent loans to loans | 2.7764% | 2,160 |
| Net loans and leases to total assets | 41.7257% | 6,204 |
| Net loans and leases to deposits | 48.4789% | 6,281 |
| Net loans and leases to core deposits | 48.4789% | 6,431 |
| Total domestic deposits to total assets | 86.0699% | 3,322 |
| Equity capital to assets | 7.9470% | 6,598 |
| Core capital (leverage) ratio | 6.9388% | 6,835 |
| Tier 1 risk-based capital ratio | 13.5856% | 4,759 |
| Total risk-based capital ratio | 14.8405% | 4,722 |
| Memoranda: | ||
| Average total assets | $554,853,330 | 1,220 |
| Average earning assets | $512,553,330 | 1,200 |
| Average equity | $42,121,000 | 1,657 |
| Average total loans | $221,649,330 | 1,835 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 4,724 |
| Cost of funding earning assets | 0.6757% | 4,503 |
| Net interest margin | 3.6272% | 4,140 |
| Noninterest income to average assets | 0.5125% | 3,832 |
| Noninterest expense to average assets | 3.1742% | 2,681 |
| Loan and lease loss provision to assets | 0.2136% | 2,815 |
| Net operating income to assets | 0.4456% | 5,056 |
| Return on assets (ROA) | 0.4741% | 5,130 |
| Pretax return on assets | 0.4741% | 5,509 |
| Return on Equity (ROE) | 6.3892% | 4,094 |
| Retained earnings to average equity (ytd only) | 4.7103% | 3,740 |
| Net charge-offs to loans | 0.4618% | 1,938 |
| Credit loss provision to net charge-offs | 119.5219% | 1,992 |
| Earnings coverage of net charge-offs (x) | 3.6892% | 2,778 |
| Efficiency ratio | 82.8041% | 1,828 |
| Assets per employee ($millions) | 3.8755% | 4,248 |
| Cash dividends to net income (ytd only)* | 26.2763% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1707% | 1,945 |
| Loan loss allowance to noncurrent loans | 80.0887% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 3,870 |
| Noncurrent loans to loans | 2.7103% | 2,407 |
| Net loans and leases to total assets | 38.8306% | 6,433 |
| Net loans and leases to deposits | 46.2009% | 6,417 |
| Net loans and leases to core deposits | 51.2558% | 6,260 |
| Total domestic deposits to total assets | 84.0471% | 4,468 |
| Equity capital to assets | 7.4208% | 6,808 |
| Core capital (leverage) ratio | 6.7581% | 6,919 |
| Tier 1 risk-based capital ratio | 13.0764% | 5,149 |
| Total risk-based capital ratio | 14.3319% | 5,112 |
| Memoranda: | ||
| Average total assets | $561,913,000 | 1,206 |
| Average earning assets | $514,446,500 | 1,197 |
| Average equity | $41,695,500 | 1,666 |
| Average total loans | $217,417,000 | 1,879 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 4,980 |
| Cost of funding earning assets | 0.8154% | 4,744 |
| Net interest margin | 3.7082% | 4,260 |
| Noninterest income to average assets | 1.0748% | 1,157 |
| Noninterest expense to average assets | 3.5712% | 1,801 |
| Loan and lease loss provision to assets | 0.3752% | 2,744 |
| Net operating income to assets | 0.3917% | 4,905 |
| Return on assets (ROA) | 0.4673% | 4,762 |
| Pretax return on assets | 0.6186% | 4,634 |
| Return on Equity (ROE) | 6.4959% | 3,644 |
| Retained earnings to average equity (ytd only) | 4.2867% | 3,131 |
| Net charge-offs to loans | 0.6517% | 2,520 |
| Credit loss provision to net charge-offs | 157.6443% | 1,769 |
| Earnings coverage of net charge-offs (x) | 3.7574% | 3,401 |
| Efficiency ratio | 79.9726% | 2,306 |
| Assets per employee ($millions) | 3.7201% | 4,510 |
| Cash dividends to net income (ytd only)* | 34.0087% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2954% | 1,620 |
| Loan loss allowance to noncurrent loans | 87.3168% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.2883% | 4,066 |
| Noncurrent loans to loans | 2.6288% | 2,478 |
| Net loans and leases to total assets | 36.8136% | 6,715 |
| Net loans and leases to deposits | 40.3287% | 6,869 |
| Net loans and leases to core deposits | 45.5244% | 6,750 |
| Total domestic deposits to total assets | 91.2838% | 404 |
| Equity capital to assets | 7.4198% | 6,846 |
| Core capital (leverage) ratio | 6.5647% | 6,968 |
| Tier 1 risk-based capital ratio | 13.5834% | 4,633 |
| Total risk-based capital ratio | 14.8399% | 4,601 |
| Memoranda: | ||
| Average total assets | $538,607,000 | 1,233 |
| Average earning assets | $492,498,400 | 1,232 |
| Average equity | $38,747,400 | 1,741 |
| Average total loans | $196,728,600 | 2,072 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 4,679 |
| Cost of funding earning assets | 0.8360% | 4,891 |
| Net interest margin | 3.8121% | 3,812 |
| Noninterest income to average assets | 0.9282% | 1,551 |
| Noninterest expense to average assets | 3.5349% | 1,846 |
| Loan and lease loss provision to assets | 0.4486% | 2,227 |
| Net operating income to assets | 0.4329% | 4,844 |
| Return on assets (ROA) | 0.4721% | 4,863 |
| Pretax return on assets | 0.4731% | 5,249 |
| Return on Equity (ROE) | 6.6169% | 3,708 |
| Retained earnings to average equity (ytd only) | 5.0239% | 3,158 |
| Net charge-offs to loans | 0.5551% | 2,570 |
| Credit loss provision to net charge-offs | 223.1056% | 1,281 |
| Earnings coverage of net charge-offs (x) | 4.3888% | 3,083 |
| Efficiency ratio | 80.0215% | 2,253 |
| Assets per employee ($millions) | 3.8618% | 4,163 |
| Cash dividends to net income (ytd only)* | 24.0740% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6214% | 1,241 |
| Loan loss allowance to noncurrent loans | 123.9746% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 4,751 |
| Noncurrent loans to loans | 2.1145% | 3,226 |
| Net loans and leases to total assets | 33.0042% | 6,995 |
| Net loans and leases to deposits | 36.1235% | 7,076 |
| Net loans and leases to core deposits | 40.7829% | 7,016 |
| Total domestic deposits to total assets | 91.3649% | 327 |
| Equity capital to assets | 7.3229% | 6,976 |
| Core capital (leverage) ratio | 6.7472% | 7,023 |
| Tier 1 risk-based capital ratio | 13.7264% | 4,558 |
| Total risk-based capital ratio | 14.9842% | 4,509 |
| Memoranda: | ||
| Average total assets | $533,756,500 | 1,248 |
| Average earning assets | $488,531,000 | 1,250 |
| Average equity | $38,083,500 | 1,774 |
| Average total loans | $193,348,500 | 2,124 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 3,813 |
| Cost of funding earning assets | 0.8939% | 4,720 |
| Net interest margin | 3.9660% | 3,011 |
| Noninterest income to average assets | 0.7380% | 2,333 |
| Noninterest expense to average assets | 3.5674% | 1,819 |
| Loan and lease loss provision to assets | 0.2686% | 3,247 |
| Net operating income to assets | 0.5200% | 4,417 |
| Return on assets (ROA) | 0.5300% | 4,519 |
| Pretax return on assets | 0.5315% | 4,963 |
| Return on Equity (ROE) | 7.5000% | 3,191 |
| Retained earnings to average equity (ytd only) | 5.9794% | 2,447 |
| Net charge-offs to loans | 0.5227% | 2,532 |
| Credit loss provision to net charge-offs | 138.6139% | 2,200 |
| Earnings coverage of net charge-offs (x) | 4.0772% | 2,971 |
| Efficiency ratio | 81.8670% | 2,118 |
| Assets per employee ($millions) | 3.5699% | 4,749 |
| Cash dividends to net income (ytd only)* | 20.2752% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2315% | 1,856 |
| Loan loss allowance to noncurrent loans | 141.5069% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 5,154 |
| Noncurrent loans to loans | 1.5769% | 4,034 |
| Net loans and leases to total assets | 33.6874% | 7,054 |
| Net loans and leases to deposits | 36.8154% | 7,157 |
| Net loans and leases to core deposits | 41.7642% | 7,076 |
| Total domestic deposits to total assets | 91.5037% | 340 |
| Equity capital to assets | 7.2205% | 7,050 |
| Core capital (leverage) ratio | 6.6250% | 7,096 |
| Tier 1 risk-based capital ratio | 14.5621% | 3,748 |
| Total risk-based capital ratio | 15.8177% | 3,719 |
| Memoranda: | ||
| Average total assets | $521,159,000 | 1,291 |
| Average earning assets | $475,646,330 | 1,294 |
| Average equity | $36,826,670 | 1,817 |
| Average total loans | $193,227,000 | 2,153 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 2,626 |
| Cost of funding earning assets | 0.9432% | 4,626 |
| Net interest margin | 4.1619% | 2,028 |
| Noninterest income to average assets | 0.5492% | 3,519 |
| Noninterest expense to average assets | 3.5948% | 1,784 |
| Loan and lease loss provision to assets | 0.1788% | 3,830 |
| Net operating income to assets | 0.5595% | 4,235 |
| Return on assets (ROA) | 0.5595% | 4,313 |
| Pretax return on assets | 0.5595% | 4,830 |
| Return on Equity (ROE) | 8.0150% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.7741% | 2,247 |
| Net charge-offs to loans | 0.1114% | 3,860 |
| Credit loss provision to net charge-offs | 416.6667% | 814 |
| Earnings coverage of net charge-offs (x) | 17.2037% | 1,228 |
| Efficiency ratio | 82.9604% | 2,088 |
| Assets per employee ($millions) | 3.3702% | 5,322 |
| Cash dividends to net income (ytd only)* | 15.4830% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2200% | 1,913 |
| Loan loss allowance to noncurrent loans | 94.6012% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 4,671 |
| Noncurrent loans to loans | 2.3467% | 3,144 |
| Net loans and leases to total assets | 34.5641% | 7,067 |
| Net loans and leases to deposits | 37.6243% | 7,178 |
| Net loans and leases to core deposits | 42.6728% | 7,086 |
| Total domestic deposits to total assets | 91.8663% | 324 |
| Equity capital to assets | 6.9238% | 7,103 |
| Core capital (leverage) ratio | 6.5517% | 7,159 |
| Tier 1 risk-based capital ratio | 14.7329% | 3,588 |
| Total risk-based capital ratio | 15.9088% | 3,596 |
| Memoranda: | ||
| Average total assets | $503,283,000 | 1,340 |
| Average earning assets | $457,579,500 | 1,352 |
| Average equity | $35,134,000 | 1,892 |
| Average total loans | $193,895,000 | 2,165 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6504% | 1,747 |
| Cost of funding earning assets | 1.0116% | 5,636 |
| Net interest margin | 4.6388% | 929 |
| Noninterest income to average assets | 1.5102% | 636 |
| Noninterest expense to average assets | 5.1522% | 380 |
| Loan and lease loss provision to assets | 0.3268% | 4,196 |
| Net operating income to assets | 0.1992% | 5,263 |
| Return on assets (ROA) | 0.5099% | 4,207 |
| Pretax return on assets | 0.5160% | 4,561 |
| Return on Equity (ROE) | 6.3449% | 3,422 |
| Retained earnings to average equity (ytd only) | 3.9829% | 3,078 |
| Net charge-offs to loans | 0.5372% | 3,464 |
| Credit loss provision to net charge-offs | 132.5472% | 2,962 |
| Earnings coverage of net charge-offs (x) | 2.1453% | 4,117 |
| Efficiency ratio | 90.6887% | 1,268 |
| Assets per employee ($millions) | 2.8817% | 6,373 |
| Cash dividends to net income (ytd only)* | 37.2263% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0854% | 2,100 |
| Loan loss allowance to noncurrent loans | 68.1621% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.6456% | 3,831 |
| Noncurrent loans to loans | 3.0594% | 2,494 |
| Net loans and leases to total assets | 41.3610% | 6,881 |
| Net loans and leases to deposits | 45.3830% | 7,064 |
| Net loans and leases to core deposits | 52.7468% | 6,868 |
| Total domestic deposits to total assets | 91.1376% | 535 |
| Equity capital to assets | 7.0478% | 7,098 |
| Core capital (leverage) ratio | 7.4098% | 6,777 |
| Tier 1 risk-based capital ratio | 14.1831% | 3,743 |
| Total risk-based capital ratio | 15.4385% | 3,702 |
| Memoranda: | ||
| Average total assets | $429,872,000 | 1,554 |
| Average earning assets | $386,523,000 | 1,563 |
| Average equity | $34,547,400 | 1,914 |
| Average total loans | $197,316,200 | 2,185 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8937% | 1,147 |
| Cost of funding earning assets | 1.0268% | 5,821 |
| Net interest margin | 4.8670% | 588 |
| Noninterest income to average assets | 0.8360% | 2,050 |
| Noninterest expense to average assets | 4.6848% | 499 |
| Loan and lease loss provision to assets | 0.2136% | 4,925 |
| Net operating income to assets | 0.2808% | 5,238 |
| Return on assets (ROA) | 0.6658% | 3,733 |
| Pretax return on assets | 0.7300% | 4,143 |
| Return on Equity (ROE) | 8.0129% | 2,895 |
| Retained earnings to average equity (ytd only) | 6.4705% | 2,106 |
| Net charge-offs to loans | 0.5720% | 3,035 |
| Credit loss provision to net charge-offs | 79.5991% | 5,153 |
| Earnings coverage of net charge-offs (x) | 1.9399% | 4,251 |
| Efficiency ratio | 90.0000% | 1,291 |
| Assets per employee ($millions) | 2.6931% | 6,787 |
| Cash dividends to net income (ytd only)* | 19.2492% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7867% | 2,827 |
| Loan loss allowance to noncurrent loans | 51.4339% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.9632% | 3,521 |
| Noncurrent loans to loans | 3.4738% | 2,288 |
| Net loans and leases to total assets | 44.6910% | 6,796 |
| Net loans and leases to deposits | 49.5504% | 7,018 |
| Net loans and leases to core deposits | 58.1812% | 6,716 |
| Total domestic deposits to total assets | 90.1929% | 777 |
| Equity capital to assets | 8.1458% | 6,673 |
| Core capital (leverage) ratio | 7.7658% | 6,607 |
| Tier 1 risk-based capital ratio | 14.6244% | 3,445 |
| Total risk-based capital ratio | 15.8782% | 3,414 |
| Memoranda: | ||
| Average total assets | $421,350,250 | 1,600 |
| Average earning assets | $378,269,250 | 1,612 |
| Average equity | $35,009,500 | 1,913 |
| Average total loans | $197,649,000 | 2,210 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9664% | 1,026 |
| Cost of funding earning assets | 1.0292% | 6,004 |
| Net interest margin | 4.9371% | 493 |
| Noninterest income to average assets | 0.8578% | 1,847 |
| Noninterest expense to average assets | 4.6390% | 501 |
| Loan and lease loss provision to assets | 0.2161% | 4,729 |
| Net operating income to assets | 0.3860% | 4,817 |
| Return on assets (ROA) | 0.9050% | 2,650 |
| Pretax return on assets | 1.0013% | 3,110 |
| Return on Equity (ROE) | 10.8170% | 1,804 |
| Retained earnings to average equity (ytd only) | 9.8562% | 877 |
| Net charge-offs to loans | 0.7637% | 2,329 |
| Credit loss provision to net charge-offs | 59.7074% | 5,207 |
| Earnings coverage of net charge-offs (x) | 1.7699% | 4,192 |
| Efficiency ratio | 87.8647% | 1,517 |
| Assets per employee ($millions) | 2.6793% | 6,811 |
| Cash dividends to net income (ytd only)* | 8.8830% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 2,907 |
| Loan loss allowance to noncurrent loans | 54.5786% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.1062% | 3,370 |
| Noncurrent loans to loans | 3.2026% | 2,501 |
| Net loans and leases to total assets | 47.1556% | 6,692 |
| Net loans and leases to deposits | 52.5739% | 6,941 |
| Net loans and leases to core deposits | 59.1704% | 6,760 |
| Total domestic deposits to total assets | 89.6939% | 1,076 |
| Equity capital to assets | 8.6068% | 6,000 |
| Core capital (leverage) ratio | 8.1175% | 6,089 |
| Tier 1 risk-based capital ratio | 14.7991% | 3,266 |
| Total risk-based capital ratio | 16.0524% | 3,233 |
| Memoranda: | ||
| Average total assets | $415,474,670 | 1,634 |
| Average earning assets | $372,119,670 | 1,660 |
| Average equity | $34,760,000 | 1,921 |
| Average total loans | $196,948,000 | 2,248 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0079% | 969 |
| Cost of funding earning assets | 1.0139% | 6,307 |
| Net interest margin | 4.9940% | 421 |
| Noninterest income to average assets | 0.6073% | 3,234 |
| Noninterest expense to average assets | 4.2587% | 755 |
| Loan and lease loss provision to assets | 0.2152% | 4,359 |
| Net operating income to assets | 0.6130% | 3,844 |
| Return on assets (ROA) | 0.6130% | 3,988 |
| Pretax return on assets | 0.6130% | 4,557 |
| Return on Equity (ROE) | 7.4321% | 3,146 |
| Retained earnings to average equity (ytd only) | 6.7712% | 2,233 |
| Net charge-offs to loans | 1.0617% | 1,571 |
| Credit loss provision to net charge-offs | 43.0210% | 4,586 |
| Earnings coverage of net charge-offs (x) | 1.6558% | 3,741 |
| Efficiency ratio | 83.7187% | 2,049 |
| Assets per employee ($millions) | 2.9518% | 6,326 |
| Cash dividends to net income (ytd only)* | 8.8924% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 2,932 |
| Loan loss allowance to noncurrent loans | 62.1997% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.1328% | 3,343 |
| Noncurrent loans to loans | 2.7947% | 2,863 |
| Net loans and leases to total assets | 47.1092% | 6,746 |
| Net loans and leases to deposits | 52.4398% | 7,013 |
| Net loans and leases to core deposits | 58.8741% | 6,828 |
| Total domestic deposits to total assets | 89.8348% | 1,077 |
| Equity capital to assets | 8.4321% | 6,103 |
| Core capital (leverage) ratio | 7.2701% | 7,056 |
| Tier 1 risk-based capital ratio | 14.0625% | 3,616 |
| Total risk-based capital ratio | 15.3127% | 3,580 |
| Memoranda: | ||
| Average total assets | $418,246,000 | 1,665 |
| Average earning assets | $375,172,500 | 1,684 |
| Average equity | $34,499,000 | 1,957 |
| Average total loans | $197,049,500 | 2,303 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0669% | 1,611 |
| Cost of funding earning assets | 1.1298% | 6,881 |
| Net interest margin | 4.9371% | 512 |
| Noninterest income to average assets | 1.3778% | 776 |
| Noninterest expense to average assets | 4.9532% | 537 |
| Loan and lease loss provision to assets | 0.3282% | 4,848 |
| Net operating income to assets | 0.5513% | 3,520 |
| Return on assets (ROA) | 0.5518% | 3,605 |
| Pretax return on assets | 0.5667% | 3,999 |
| Return on Equity (ROE) | 6.8360% | 2,851 |
| Retained earnings to average equity (ytd only) | 4.2710% | 2,235 |
| Net charge-offs to loans | 0.4455% | 4,009 |
| Credit loss provision to net charge-offs | 159.4465% | 2,809 |
| Earnings coverage of net charge-offs (x) | 4.3454% | 2,981 |
| Efficiency ratio | 84.7056% | 2,271 |
| Assets per employee ($millions) | 2.7306% | 6,798 |
| Cash dividends to net income (ytd only)* | 37.5224% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 2,238 |
| Loan loss allowance to noncurrent loans | 59.3121% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 2.1463% | 3,209 |
| Noncurrent loans to loans | 3.2193% | 2,370 |
| Net loans and leases to total assets | 45.4195% | 7,027 |
| Net loans and leases to deposits | 50.4128% | 7,241 |
| Net loans and leases to core deposits | 58.9728% | 7,300 |
| Total domestic deposits to total assets | 90.0952% | 918 |
| Equity capital to assets | 8.0692% | 6,504 |
| Core capital (leverage) ratio | 7.6403% | 6,632 |
| Tier 1 risk-based capital ratio | 14.1227% | 3,427 |
| Total risk-based capital ratio | 15.3818% | 3,375 |
| Memoranda: | ||
| Average total assets | $403,758,800 | 1,696 |
| Average earning assets | $365,540,200 | 1,722 |
| Average equity | $32,592,000 | 2,052 |
| Average total loans | $186,538,400 | 2,443 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8852% | 2,510 |
| Cost of funding earning assets | 1.1580% | 7,010 |
| Net interest margin | 4.7271% | 794 |
| Noninterest income to average assets | 0.9613% | 1,737 |
| Noninterest expense to average assets | 4.4105% | 819 |
| Loan and lease loss provision to assets | 0.2006% | 5,382 |
| Net operating income to assets | 0.6364% | 3,469 |
| Return on assets (ROA) | 0.6364% | 3,537 |
| Pretax return on assets | 0.6374% | 4,061 |
| Return on Equity (ROE) | 7.8834% | 2,695 |
| Retained earnings to average equity (ytd only) | 7.3907% | 1,354 |
| Net charge-offs to loans | 0.4329% | 3,515 |
| Credit loss provision to net charge-offs | 100.3344% | 5,061 |
| Earnings coverage of net charge-offs (x) | 4.1923% | 3,228 |
| Efficiency ratio | 84.0339% | 2,293 |
| Assets per employee ($millions) | 2.8176% | 6,620 |
| Cash dividends to net income (ytd only)* | 6.2499% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 2,792 |
| Loan loss allowance to noncurrent loans | 58.7279% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 2.2161% | 3,075 |
| Noncurrent loans to loans | 2.8152% | 2,691 |
| Net loans and leases to total assets | 47.9821% | 6,959 |
| Net loans and leases to deposits | 53.5376% | 7,237 |
| Net loans and leases to core deposits | 63.3904% | 7,270 |
| Total domestic deposits to total assets | 89.6232% | 917 |
| Equity capital to assets | 8.6139% | 6,096 |
| Core capital (leverage) ratio | 7.7579% | 6,656 |
| Tier 1 risk-based capital ratio | 14.4213% | 3,320 |
| Total risk-based capital ratio | 15.6720% | 3,264 |
| Memoranda: | ||
| Average total assets | $398,888,750 | 1,738 |
| Average earning assets | $361,760,000 | 1,747 |
| Average equity | $32,202,000 | 2,092 |
| Average total loans | $184,179,250 | 2,489 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7945% | 3,074 |
| Cost of funding earning assets | 1.1834% | 7,155 |
| Net interest margin | 4.6111% | 933 |
| Noninterest income to average assets | 0.8905% | 2,020 |
| Noninterest expense to average assets | 4.3658% | 881 |
| Loan and lease loss provision to assets | 0.1887% | 5,150 |
| Net operating income to assets | 0.5217% | 4,014 |
| Return on assets (ROA) | 0.5217% | 4,126 |
| Pretax return on assets | 0.5232% | 4,546 |
| Return on Equity (ROE) | 6.6120% | 3,380 |
| Retained earnings to average equity (ytd only) | 5.8533% | 2,092 |
| Net charge-offs to loans | 0.3621% | 3,373 |
| Credit loss provision to net charge-offs | 115.0307% | 4,026 |
| Earnings coverage of net charge-offs (x) | 4.3405% | 3,124 |
| Efficiency ratio | 85.9804% | 2,233 |
| Assets per employee ($millions) | 2.8825% | 6,439 |
| Cash dividends to net income (ytd only)* | 11.4754% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7379% | 2,217 |
| Loan loss allowance to noncurrent loans | 51.5559% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 2.3767% | 2,727 |
| Noncurrent loans to loans | 3.3709% | 2,087 |
| Net loans and leases to total assets | 45.2244% | 7,246 |
| Net loans and leases to deposits | 50.0307% | 7,482 |
| Net loans and leases to core deposits | 58.2095% | 7,520 |
| Total domestic deposits to total assets | 90.3933% | 671 |
| Equity capital to assets | 7.8297% | 6,942 |
| Core capital (leverage) ratio | 7.6338% | 6,852 |
| Tier 1 risk-based capital ratio | 14.3982% | 3,304 |
| Total risk-based capital ratio | 15.6517% | 3,241 |
| Memoranda: | ||
| Average total assets | $397,546,000 | 1,771 |
| Average earning assets | $360,997,330 | 1,773 |
| Average equity | $31,367,000 | 2,157 |
| Average total loans | $180,046,330 | 2,573 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5750% | 4,495 |
| Cost of funding earning assets | 1.1923% | 7,315 |
| Net interest margin | 4.3827% | 1,388 |
| Noninterest income to average assets | 0.8354% | 2,149 |
| Noninterest expense to average assets | 3.9096% | 1,298 |
| Loan and lease loss provision to assets | 0.1538% | 4,963 |
| Net operating income to assets | 0.7586% | 3,305 |
| Return on assets (ROA) | 0.7586% | 3,481 |
| Pretax return on assets | 0.7586% | 4,224 |
| Return on Equity (ROE) | 9.5751% | 2,504 |
| Retained earnings to average equity (ytd only) | 9.1869% | 1,422 |
| Net charge-offs to loans | 0.3105% | 2,864 |
| Credit loss provision to net charge-offs | 110.2941% | 3,498 |
| Earnings coverage of net charge-offs (x) | 6.5441% | 2,486 |
| Efficiency ratio | 81.0799% | 2,667 |
| Assets per employee ($millions) | 2.9817% | 6,208 |
| Cash dividends to net income (ytd only)* | 4.0541% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8638% | 1,705 |
| Loan loss allowance to noncurrent loans | 59.5799% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.9178% | 3,032 |
| Noncurrent loans to loans | 3.1282% | 2,067 |
| Net loans and leases to total assets | 42.3557% | 7,446 |
| Net loans and leases to deposits | 47.0259% | 7,622 |
| Net loans and leases to core deposits | 54.3301% | 7,669 |
| Total domestic deposits to total assets | 90.0689% | 771 |
| Equity capital to assets | 8.0572% | 6,731 |
| Core capital (leverage) ratio | 7.4739% | 7,187 |
| Tier 1 risk-based capital ratio | 15.4894% | 2,858 |
| Total risk-based capital ratio | 16.7364% | 2,793 |
| Memoranda: | ||
| Average total assets | $390,218,000 | 1,804 |
| Average earning assets | $354,943,500 | 1,808 |
| Average equity | $30,913,500 | 2,199 |
| Average total loans | $175,213,000 | 2,652 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9638% | 1,222 |
| Cost of funding earning assets | 1.6938% | 7,271 |
| Net interest margin | 5.2700% | 295 |
| Noninterest income to average assets | 1.8207% | 410 |
| Noninterest expense to average assets | 4.9043% | 661 |
| Loan and lease loss provision to assets | 0.2566% | 4,350 |
| Net operating income to assets | 1.1731% | 1,866 |
| Return on assets (ROA) | 1.1888% | 1,736 |
| Pretax return on assets | 1.4787% | 1,741 |
| Return on Equity (ROE) | 16.1064% | 754 |
| Retained earnings to average equity (ytd only) | 12.8407% | 174 |
| Net charge-offs to loans | 0.8996% | 1,378 |
| Credit loss provision to net charge-offs | 59.5621% | 6,236 |
| Earnings coverage of net charge-offs (x) | 3.9826% | 4,156 |
| Efficiency ratio | 74.0845% | 3,558 |
| Assets per employee ($millions) | 2.6403% | 6,917 |
| Cash dividends to net income (ytd only)* | 20.2753% | 4,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 1,526 |
| Loan loss allowance to noncurrent loans | 53.3509% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 1.9057% | 2,574 |
| Noncurrent loans to loans | 3.4708% | 1,463 |
| Net loans and leases to total assets | 45.9182% | 7,339 |
| Net loans and leases to deposits | 51.0612% | 7,579 |
| Net loans and leases to core deposits | 59.6173% | 7,598 |
| Total domestic deposits to total assets | 89.9278% | 674 |
| Equity capital to assets | 7.7760% | 7,124 |
| Core capital (leverage) ratio | 7.8007% | 6,796 |
| Tier 1 risk-based capital ratio | 14.8261% | 3,135 |
| Total risk-based capital ratio | 16.0818% | 3,048 |
| Memoranda: | ||
| Average total assets | $360,520,000 | 1,860 |
| Average earning assets | $328,313,400 | 1,863 |
| Average equity | $26,610,600 | 2,507 |
| Average total loans | $172,632,400 | 2,583 |