Home > Mahopac Bank > Performance and Condition Ratios
Mahopac Bank, Performance and Condition Ratios
| 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 | 3.4382% | 2,830 |
| Cost of funding earning assets | 0.1593% | 3,875 |
| Net interest margin | 3.2789% | 2,370 |
| Noninterest income to average assets | 0.2694% | 3,777 |
| Noninterest expense to average assets | 2.0405% | 3,550 |
| Loan and lease loss provision to assets | -0.1265% | 4,591 |
| Net operating income to assets | 1.1188% | 2,214 |
| Return on assets (ROA) | 1.1236% | 2,256 |
| Pretax return on assets | 1.4579% | 1,857 |
| Return on Equity (ROE) | 11.9871% | 1,822 |
| Retained earnings to average equity (ytd only) | 2.4827% | 3,831 |
| Net charge-offs to loans | 0.0048% | 2,423 |
| Credit loss provision to net charge-offs | -3,947.1698% | 4,138 |
| Earnings coverage of net charge-offs (x) | 394.2264% | 332 |
| Efficiency ratio | 60.6264% | 3,056 |
| Assets per employee ($millions) | 13.7275% | 258 |
| Cash dividends to net income (ytd only)* | 79.2887% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 4,217 |
| Loan loss allowance to noncurrent loans | 209.9329% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 2,154 |
| Noncurrent loans to loans | 0.3942% | 2,179 |
| Net loans and leases to total assets | 70.0532% | 1,040 |
| Net loans and leases to deposits | 82.1101% | 1,059 |
| Net loans and leases to core deposits | 83.4395% | 1,363 |
| Total domestic deposits to total assets | 85.3162% | 3,166 |
| Equity capital to assets | 9.4532% | 3,181 |
| Core capital (leverage) ratio | 8.0693% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6995% | 2,729 |
| Memoranda: | ||
| Average total assets | $1,576,637,000 | 655 |
| Average earning assets | $1,488,897,200 | 643 |
| Average equity | $147,784,200 | 726 |
| Average total loans | $1,104,154,800 | 598 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3981% | 3,108 |
| Cost of funding earning assets | 0.1728% | 3,896 |
| Net interest margin | 3.2253% | 2,647 |
| Noninterest income to average assets | 0.2626% | 3,831 |
| Noninterest expense to average assets | 2.0080% | 3,648 |
| Loan and lease loss provision to assets | -0.1003% | 4,605 |
| Net operating income to assets | 1.0751% | 2,638 |
| Return on assets (ROA) | 1.0816% | 2,680 |
| Pretax return on assets | 1.4046% | 2,315 |
| Return on Equity (ROE) | 11.5636% | 2,188 |
| Retained earnings to average equity (ytd only) | 4.6814% | 3,342 |
| Net charge-offs to loans | 0.0024% | 2,283 |
| Credit loss provision to net charge-offs | -6,365.0000% | 4,166 |
| Earnings coverage of net charge-offs (x) | 769.3500% | 207 |
| Efficiency ratio | 60.7745% | 2,866 |
| Assets per employee ($millions) | 14.8563% | 211 |
| Cash dividends to net income (ytd only)* | 59.5157% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 4,123 |
| Loan loss allowance to noncurrent loans | 199.9395% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 2,281 |
| Noncurrent loans to loans | 0.4563% | 2,194 |
| Net loans and leases to total assets | 64.7451% | 1,685 |
| Net loans and leases to deposits | 73.4916% | 1,904 |
| Net loans and leases to core deposits | 74.7761% | 2,164 |
| Total domestic deposits to total assets | 88.0985% | 1,780 |
| Equity capital to assets | 8.9740% | 3,857 |
| Core capital (leverage) ratio | 8.1542% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0271% | 2,698 |
| Memoranda: | ||
| Average total assets | $1,582,994,750 | 662 |
| Average earning assets | $1,492,707,000 | 645 |
| Average equity | $148,070,750 | 732 |
| Average total loans | $1,106,259,250 | 615 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4110% | 3,149 |
| Cost of funding earning assets | 0.1833% | 3,921 |
| Net interest margin | 3.2277% | 2,671 |
| Noninterest income to average assets | 0.2582% | 3,845 |
| Noninterest expense to average assets | 1.9896% | 3,734 |
| Loan and lease loss provision to assets | -0.1281% | 4,680 |
| Net operating income to assets | 1.1139% | 2,492 |
| Return on assets (ROA) | 1.1280% | 2,511 |
| Pretax return on assets | 1.4666% | 2,119 |
| Return on Equity (ROE) | 11.8872% | 2,111 |
| Retained earnings to average equity (ytd only) | 6.2091% | 2,727 |
| Net charge-offs to loans | 0.0052% | 1,957 |
| Credit loss provision to net charge-offs | -3,103.4483% | 3,913 |
| Earnings coverage of net charge-offs (x) | 354.2414% | 330 |
| Efficiency ratio | 60.1080% | 3,010 |
| Assets per employee ($millions) | 13.7670% | 246 |
| Cash dividends to net income (ytd only)* | 47.7666% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9345% | 4,051 |
| Loan loss allowance to noncurrent loans | 198.8206% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 2,290 |
| Noncurrent loans to loans | 0.4700% | 2,269 |
| Net loans and leases to total assets | 68.8515% | 1,346 |
| Net loans and leases to deposits | 79.5661% | 1,469 |
| Net loans and leases to core deposits | 82.0325% | 1,722 |
| Total domestic deposits to total assets | 86.5337% | 2,536 |
| Equity capital to assets | 9.4518% | 3,377 |
| Core capital (leverage) ratio | 8.1627% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4440% | 2,560 |
| Memoranda: | ||
| Average total assets | $1,556,024,333 | 666 |
| Average earning assets | $1,471,194,333 | 648 |
| Average equity | $147,654,667 | 725 |
| Average total loans | $1,112,607,000 | 607 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4090% | 3,168 |
| Cost of funding earning assets | 0.1953% | 3,953 |
| Net interest margin | 3.2137% | 2,650 |
| Noninterest income to average assets | 0.2541% | 3,876 |
| Noninterest expense to average assets | 2.0163% | 3,671 |
| Loan and lease loss provision to assets | -0.1621% | 4,785 |
| Net operating income to assets | 1.1082% | 2,446 |
| Return on assets (ROA) | 1.1372% | 2,434 |
| Pretax return on assets | 1.4704% | 2,075 |
| Return on Equity (ROE) | 11.9595% | 2,033 |
| Retained earnings to average equity (ytd only) | 5.9048% | 2,931 |
| Net charge-offs to loans | 0.0079% | 1,624 |
| Credit loss provision to net charge-offs | -2,840.9091% | 3,616 |
| Earnings coverage of net charge-offs (x) | 222.8636% | 373 |
| Efficiency ratio | 61.3267% | 2,860 |
| Assets per employee ($millions) | 14.3533% | 222 |
| Cash dividends to net income (ytd only)* | 50.6271% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 4,066 |
| Loan loss allowance to noncurrent loans | 199.8676% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 2,509 |
| Noncurrent loans to loans | 0.4671% | 2,455 |
| Net loans and leases to total assets | 69.1149% | 1,400 |
| Net loans and leases to deposits | 79.3156% | 1,588 |
| Net loans and leases to core deposits | 84.8407% | 1,603 |
| Total domestic deposits to total assets | 87.1391% | 2,260 |
| Equity capital to assets | 9.0108% | 3,669 |
| Core capital (leverage) ratio | 8.1260% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2580% | 2,578 |
| Memoranda: | ||
| Average total assets | $1,542,432,000 | 665 |
| Average earning assets | $1,456,010,000 | 647 |
| Average equity | $146,661,500 | 724 |
| Average total loans | $1,118,737,500 | 607 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 3,148 |
| Cost of funding earning assets | 0.3441% | 3,901 |
| Net interest margin | 3.5117% | 2,433 |
| Noninterest income to average assets | 0.2940% | 3,724 |
| Noninterest expense to average assets | 2.2527% | 3,538 |
| Loan and lease loss provision to assets | 0.2459% | 1,574 |
| Net operating income to assets | 0.8506% | 2,895 |
| Return on assets (ROA) | 0.8633% | 2,987 |
| Pretax return on assets | 1.1050% | 2,672 |
| Return on Equity (ROE) | 8.7041% | 2,516 |
| Retained earnings to average equity (ytd only) | 1.6284% | 3,983 |
| Net charge-offs to loans | 0.0066% | 3,109 |
| Credit loss provision to net charge-offs | 5,111.4286% | 203 |
| Earnings coverage of net charge-offs (x) | 277.4000% | 365 |
| Efficiency ratio | 62.7958% | 3,007 |
| Assets per employee ($millions) | 13.0619% | 258 |
| Cash dividends to net income (ytd only)* | 81.2913% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,814 |
| Loan loss allowance to noncurrent loans | 184.3776% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 2,333 |
| Noncurrent loans to loans | 0.5499% | 2,336 |
| Net loans and leases to total assets | 74.8292% | 923 |
| Net loans and leases to deposits | 87.4056% | 1,141 |
| Net loans and leases to core deposits | 94.3354% | 1,223 |
| Total domestic deposits to total assets | 85.6115% | 2,525 |
| Equity capital to assets | 10.0602% | 3,077 |
| Core capital (leverage) ratio | 8.1947% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0091% | 2,623 |
| Memoranda: | ||
| Average total assets | $1,454,932,400 | 629 |
| Average earning assets | $1,364,423,800 | 616 |
| Average equity | $144,312,000 | 700 |
| Average total loans | $1,063,304,600 | 601 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 3,443 |
| Cost of funding earning assets | 0.3741% | 3,938 |
| Net interest margin | 3.4651% | 2,706 |
| Noninterest income to average assets | 0.2891% | 3,754 |
| Noninterest expense to average assets | 2.2476% | 3,556 |
| Loan and lease loss provision to assets | 0.2981% | 1,353 |
| Net operating income to assets | 0.7782% | 3,173 |
| Return on assets (ROA) | 0.7954% | 3,226 |
| Pretax return on assets | 1.0129% | 3,019 |
| Return on Equity (ROE) | 8.0483% | 2,796 |
| Retained earnings to average equity (ytd only) | 1.5747% | 4,063 |
| Net charge-offs to loans | -0.0022% | 3,894 |
| Credit loss provision to net charge-offs | -19,105.8824% | 4,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5522% | 2,812 |
| Assets per employee ($millions) | 13.6876% | 220 |
| Cash dividends to net income (ytd only)* | 80.4338% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 3,814 |
| Loan loss allowance to noncurrent loans | 161.3563% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 2,482 |
| Noncurrent loans to loans | 0.6014% | 2,299 |
| Net loans and leases to total assets | 69.3111% | 2,059 |
| Net loans and leases to deposits | 80.2156% | 2,293 |
| Net loans and leases to core deposits | 87.5519% | 2,184 |
| Total domestic deposits to total assets | 86.4060% | 1,894 |
| Equity capital to assets | 9.0899% | 4,041 |
| Core capital (leverage) ratio | 8.1583% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0828% | 2,580 |
| Memoranda: | ||
| Average total assets | $1,452,931,500 | 615 |
| Average earning assets | $1,361,751,250 | 603 |
| Average equity | $143,596,250 | 694 |
| Average total loans | $1,052,651,750 | 600 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,415 |
| Cost of funding earning assets | 0.4279% | 3,911 |
| Net interest margin | 3.5381% | 2,679 |
| Noninterest income to average assets | 0.3125% | 3,587 |
| Noninterest expense to average assets | 2.3551% | 3,385 |
| Loan and lease loss provision to assets | 0.5583% | 592 |
| Net operating income to assets | 0.5824% | 3,795 |
| Return on assets (ROA) | 0.6102% | 3,785 |
| Pretax return on assets | 0.7576% | 3,717 |
| Return on Equity (ROE) | 5.9892% | 3,513 |
| Retained earnings to average equity (ytd only) | 0.0365% | 4,299 |
| Net charge-offs to loans | -0.0031% | 3,888 |
| Credit loss provision to net charge-offs | -24,412.5000% | 4,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7612% | 2,700 |
| Assets per employee ($millions) | 12.5951% | 277 |
| Cash dividends to net income (ytd only)* | 99.3908% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,343 |
| Loan loss allowance to noncurrent loans | 175.6838% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 2,570 |
| Noncurrent loans to loans | 0.5950% | 2,371 |
| Net loans and leases to total assets | 72.2106% | 1,670 |
| Net loans and leases to deposits | 84.2937% | 1,970 |
| Net loans and leases to core deposits | 92.5727% | 1,855 |
| Total domestic deposits to total assets | 85.6655% | 2,136 |
| Equity capital to assets | 9.5514% | 3,610 |
| Core capital (leverage) ratio | 8.2717% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1930% | 2,528 |
| Memoranda: | ||
| Average total assets | $1,398,864,000 | 622 |
| Average earning assets | $1,314,211,000 | 608 |
| Average equity | $142,523,667 | 688 |
| Average total loans | $1,026,723,667 | 603 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 3,519 |
| Cost of funding earning assets | 0.5206% | 3,841 |
| Net interest margin | 3.5814% | 2,729 |
| Noninterest income to average assets | 0.3598% | 3,366 |
| Noninterest expense to average assets | 2.3647% | 3,614 |
| Loan and lease loss provision to assets | 0.9905% | 215 |
| Net operating income to assets | 0.3128% | 4,318 |
| Return on assets (ROA) | 0.3760% | 4,223 |
| Pretax return on assets | 0.4337% | 4,232 |
| Return on Equity (ROE) | 3.5630% | 4,080 |
| Retained earnings to average equity (ytd only) | -4.6666% | 4,495 |
| Net charge-offs to loans | -0.0041% | 3,798 |
| Credit loss provision to net charge-offs | -33,080.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6327% | 3,291 |
| Assets per employee ($millions) | 11.2132% | 291 |
| Cash dividends to net income (ytd only)* | 230.9713% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,129 |
| Loan loss allowance to noncurrent loans | 165.2819% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 2,496 |
| Noncurrent loans to loans | 0.6731% | 2,312 |
| Net loans and leases to total assets | 73.4141% | 1,708 |
| Net loans and leases to deposits | 90.3512% | 1,467 |
| Net loans and leases to core deposits | 94.0897% | 1,966 |
| Total domestic deposits to total assets | 81.2541% | 3,612 |
| Equity capital to assets | 10.7746% | 3,072 |
| Core capital (leverage) ratio | 8.9902% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8926% | 2,759 |
| Memoranda: | ||
| Average total assets | $1,336,294,000 | 623 |
| Average earning assets | $1,252,369,000 | 611 |
| Average equity | $141,003,500 | 688 |
| Average total loans | $984,027,000 | 606 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2656% | 3,631 |
| Cost of funding earning assets | 0.6804% | 3,262 |
| Net interest margin | 3.5852% | 3,181 |
| Noninterest income to average assets | 0.3830% | 3,397 |
| Noninterest expense to average assets | 2.2853% | 3,978 |
| Loan and lease loss provision to assets | -0.0322% | 4,979 |
| Net operating income to assets | 1.1483% | 2,261 |
| Return on assets (ROA) | 1.1401% | 2,393 |
| Pretax return on assets | 1.4641% | 1,922 |
| Return on Equity (ROE) | 11.4151% | 1,727 |
| Retained earnings to average equity (ytd only) | 1.5903% | 4,170 |
| Net charge-offs to loans | 0.0304% | 2,789 |
| Credit loss provision to net charge-offs | -146.9595% | 4,260 |
| Earnings coverage of net charge-offs (x) | 65.9155% | 922 |
| Efficiency ratio | 61.3100% | 3,495 |
| Assets per employee ($millions) | 11.2455% | 277 |
| Cash dividends to net income (ytd only)* | 86.0681% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 2,731 |
| Loan loss allowance to noncurrent loans | 161.0055% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 2,345 |
| Noncurrent loans to loans | 0.7102% | 2,098 |
| Net loans and leases to total assets | 72.2035% | 2,060 |
| Net loans and leases to deposits | 96.6557% | 874 |
| Net loans and leases to core deposits | 99.8748% | 1,574 |
| Total domestic deposits to total assets | 74.7018% | 4,724 |
| Equity capital to assets | 10.3297% | 3,602 |
| Core capital (leverage) ratio | 8.9159% | 4,587 |
| Tier 1 risk-based capital ratio | 11.8305% | 4,460 |
| Total risk-based capital ratio | 12.9720% | 4,393 |
| Memoranda: | ||
| Average total assets | $1,352,928,400 | 599 |
| Average earning assets | $1,262,045,800 | 587 |
| Average equity | $135,128,400 | 683 |
| Average total loans | $972,517,000 | 591 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 3,642 |
| Cost of funding earning assets | 0.7130% | 3,143 |
| Net interest margin | 3.5900% | 3,278 |
| Noninterest income to average assets | 0.3941% | 3,357 |
| Noninterest expense to average assets | 2.2492% | 4,073 |
| Loan and lease loss provision to assets | 0.0133% | 3,639 |
| Net operating income to assets | 1.1517% | 2,357 |
| Return on assets (ROA) | 1.1401% | 2,496 |
| Pretax return on assets | 1.4645% | 2,063 |
| Return on Equity (ROE) | 11.5117% | 1,804 |
| Retained earnings to average equity (ytd only) | 0.9358% | 4,582 |
| Net charge-offs to loans | 0.0297% | 2,489 |
| Credit loss provision to net charge-offs | 62.5000% | 2,687 |
| Earnings coverage of net charge-offs (x) | 70.3016% | 945 |
| Efficiency ratio | 60.1129% | 3,627 |
| Assets per employee ($millions) | 11.3708% | 249 |
| Cash dividends to net income (ytd only)* | 91.8707% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,457 |
| Loan loss allowance to noncurrent loans | 177.6626% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 2,418 |
| Noncurrent loans to loans | 0.6811% | 2,259 |
| Net loans and leases to total assets | 71.9651% | 2,180 |
| Net loans and leases to deposits | 88.5618% | 1,857 |
| Net loans and leases to core deposits | 91.8031% | 2,388 |
| Total domestic deposits to total assets | 81.2597% | 3,675 |
| Equity capital to assets | 10.1941% | 3,829 |
| Core capital (leverage) ratio | 8.8259% | 4,761 |
| Tier 1 risk-based capital ratio | 11.5843% | 4,633 |
| Total risk-based capital ratio | 12.7806% | 4,554 |
| Memoranda: | ||
| Average total assets | $1,356,607,000 | 600 |
| Average earning assets | $1,264,969,500 | 589 |
| Average equity | $134,352,250 | 683 |
| Average total loans | $971,292,500 | 592 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 3,741 |
| Cost of funding earning assets | 0.7381% | 2,955 |
| Net interest margin | 3.5283% | 3,511 |
| Noninterest income to average assets | 0.3872% | 3,354 |
| Noninterest expense to average assets | 2.2574% | 4,108 |
| Loan and lease loss provision to assets | -0.0060% | 5,110 |
| Net operating income to assets | 1.1184% | 2,448 |
| Return on assets (ROA) | 1.1007% | 2,589 |
| Pretax return on assets | 1.4100% | 2,170 |
| Return on Equity (ROE) | 11.2219% | 1,901 |
| Retained earnings to average equity (ytd only) | 0.9810% | 4,442 |
| Net charge-offs to loans | 0.0464% | 1,984 |
| Credit loss provision to net charge-offs | -18.2222% | 3,773 |
| Earnings coverage of net charge-offs (x) | 43.1556% | 1,196 |
| Efficiency ratio | 61.2808% | 3,545 |
| Assets per employee ($millions) | 11.1531% | 258 |
| Cash dividends to net income (ytd only)* | 91.2585% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,493 |
| Loan loss allowance to noncurrent loans | 232.7469% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 2,882 |
| Noncurrent loans to loans | 0.5181% | 2,728 |
| Net loans and leases to total assets | 71.2670% | 2,331 |
| Net loans and leases to deposits | 93.0652% | 1,366 |
| Net loans and leases to core deposits | 97.0217% | 1,977 |
| Total domestic deposits to total assets | 76.5775% | 4,611 |
| Equity capital to assets | 10.1446% | 3,842 |
| Core capital (leverage) ratio | 8.5155% | 4,962 |
| Tier 1 risk-based capital ratio | 11.6070% | 4,631 |
| Total risk-based capital ratio | 12.7911% | 4,555 |
| Memoranda: | ||
| Average total assets | $1,361,559,000 | 600 |
| Average earning assets | $1,272,123,330 | 585 |
| Average equity | $133,543,000 | 682 |
| Average total loans | $969,250,330 | 594 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 3,786 |
| Cost of funding earning assets | 0.7039% | 3,031 |
| Net interest margin | 3.5234% | 3,527 |
| Noninterest income to average assets | 0.3437% | 3,565 |
| Noninterest expense to average assets | 2.1888% | 4,281 |
| Loan and lease loss provision to assets | -0.0009% | 5,183 |
| Net operating income to assets | 1.1206% | 2,389 |
| Return on assets (ROA) | 1.1203% | 2,439 |
| Pretax return on assets | 1.4521% | 1,913 |
| Return on Equity (ROE) | 11.6168% | 1,686 |
| Retained earnings to average equity (ytd only) | 6.1225% | 2,404 |
| Net charge-offs to loans | 0.0675% | 1,379 |
| Credit loss provision to net charge-offs | -1.8293% | 3,420 |
| Earnings coverage of net charge-offs (x) | 30.3841% | 1,323 |
| Efficiency ratio | 60.1264% | 3,790 |
| Assets per employee ($millions) | 11.2287% | 246 |
| Cash dividends to net income (ytd only)* | 47.2959% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,547 |
| Loan loss allowance to noncurrent loans | 214.8399% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 2,998 |
| Noncurrent loans to loans | 0.5609% | 2,641 |
| Net loans and leases to total assets | 69.6935% | 2,531 |
| Net loans and leases to deposits | 92.1868% | 1,383 |
| Net loans and leases to core deposits | 95.8911% | 1,934 |
| Total domestic deposits to total assets | 75.6003% | 4,805 |
| Equity capital to assets | 9.7541% | 4,041 |
| Core capital (leverage) ratio | 8.5964% | 4,949 |
| Tier 1 risk-based capital ratio | 11.5211% | 4,734 |
| Total risk-based capital ratio | 12.6933% | 4,674 |
| Memoranda: | ||
| Average total assets | $1,373,154,500 | 598 |
| Average earning assets | $1,284,777,000 | 584 |
| Average equity | $132,428,500 | 688 |
| Average total loans | $971,147,000 | 595 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 3,612 |
| Cost of funding earning assets | 0.5892% | 2,797 |
| Net interest margin | 3.5530% | 3,537 |
| Noninterest income to average assets | 0.3901% | 3,493 |
| Noninterest expense to average assets | 2.2552% | 4,217 |
| Loan and lease loss provision to assets | 0.0382% | 3,443 |
| Net operating income to assets | 1.1043% | 2,577 |
| Return on assets (ROA) | 1.0857% | 2,652 |
| Pretax return on assets | 1.3920% | 2,158 |
| Return on Equity (ROE) | 11.8739% | 1,760 |
| Retained earnings to average equity (ytd only) | 6.3447% | 2,007 |
| Net charge-offs to loans | 0.0279% | 2,849 |
| Credit loss provision to net charge-offs | 194.4238% | 1,481 |
| Earnings coverage of net charge-offs (x) | 74.0669% | 903 |
| Efficiency ratio | 60.7778% | 3,732 |
| Assets per employee ($millions) | 11.0095% | 259 |
| Cash dividends to net income (ytd only)* | 46.5663% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,409 |
| Loan loss allowance to noncurrent loans | 207.3481% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 2,879 |
| Noncurrent loans to loans | 0.5933% | 2,508 |
| Net loans and leases to total assets | 70.0339% | 2,557 |
| Net loans and leases to deposits | 99.1956% | 804 |
| Net loans and leases to core deposits | 102.6608% | 1,529 |
| Total domestic deposits to total assets | 70.6018% | 5,136 |
| Equity capital to assets | 9.5329% | 4,100 |
| Core capital (leverage) ratio | 8.4345% | 5,057 |
| Tier 1 risk-based capital ratio | 11.5264% | 4,713 |
| Total risk-based capital ratio | 12.7379% | 4,633 |
| Memoranda: | ||
| Average total assets | $1,370,710,400 | 578 |
| Average earning assets | $1,280,314,400 | 567 |
| Average equity | $125,333,200 | 691 |
| Average total loans | $965,805,000 | 576 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 3,644 |
| Cost of funding earning assets | 0.5464% | 2,881 |
| Net interest margin | 3.5498% | 3,523 |
| Noninterest income to average assets | 0.3401% | 3,872 |
| Noninterest expense to average assets | 2.1861% | 4,350 |
| Loan and lease loss provision to assets | 0.0482% | 3,029 |
| Net operating income to assets | 1.1061% | 2,637 |
| Return on assets (ROA) | 1.1113% | 2,628 |
| Pretax return on assets | 1.4255% | 2,133 |
| Return on Equity (ROE) | 12.2835% | 1,686 |
| Retained earnings to average equity (ytd only) | 6.7003% | 2,280 |
| Net charge-offs to loans | 0.0188% | 2,769 |
| Credit loss provision to net charge-offs | 364.7059% | 867 |
| Earnings coverage of net charge-offs (x) | 111.0140% | 698 |
| Efficiency ratio | 59.8005% | 3,841 |
| Assets per employee ($millions) | 11.5949% | 217 |
| Cash dividends to net income (ytd only)* | 45.4529% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,461 |
| Loan loss allowance to noncurrent loans | 204.3027% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 3,000 |
| Noncurrent loans to loans | 0.6012% | 2,576 |
| Net loans and leases to total assets | 69.4287% | 2,734 |
| Net loans and leases to deposits | 90.5298% | 1,821 |
| Net loans and leases to core deposits | 93.4813% | 2,349 |
| Total domestic deposits to total assets | 76.6916% | 4,691 |
| Equity capital to assets | 9.0042% | 4,547 |
| Core capital (leverage) ratio | 8.2726% | 5,216 |
| Tier 1 risk-based capital ratio | 11.0956% | 4,991 |
| Total risk-based capital ratio | 12.2915% | 4,917 |
| Memoranda: | ||
| Average total assets | $1,372,092,000 | 576 |
| Average earning assets | $1,280,607,250 | 566 |
| Average equity | $124,131,250 | 696 |
| Average total loans | $965,256,500 | 573 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 3,738 |
| Cost of funding earning assets | 0.4967% | 3,024 |
| Net interest margin | 3.5185% | 3,574 |
| Noninterest income to average assets | 0.3333% | 3,953 |
| Noninterest expense to average assets | 2.1658% | 4,451 |
| Loan and lease loss provision to assets | 0.0805% | 2,300 |
| Net operating income to assets | 1.0701% | 2,715 |
| Return on assets (ROA) | 1.0777% | 2,678 |
| Pretax return on assets | 1.3939% | 2,167 |
| Return on Equity (ROE) | 11.8936% | 1,762 |
| Retained earnings to average equity (ytd only) | 6.2935% | 2,421 |
| Net charge-offs to loans | 0.0395% | 2,063 |
| Credit loss provision to net charge-offs | 289.4737% | 1,027 |
| Earnings coverage of net charge-offs (x) | 52.6368% | 1,093 |
| Efficiency ratio | 59.5966% | 3,992 |
| Assets per employee ($millions) | 11.7029% | 207 |
| Cash dividends to net income (ytd only)* | 47.0852% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,561 |
| Loan loss allowance to noncurrent loans | 268.2072% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 3,461 |
| Noncurrent loans to loans | 0.4579% | 3,064 |
| Net loans and leases to total assets | 69.9702% | 2,586 |
| Net loans and leases to deposits | 96.9684% | 1,043 |
| Net loans and leases to core deposits | 100.2359% | 1,719 |
| Total domestic deposits to total assets | 72.1578% | 5,172 |
| Equity capital to assets | 8.9946% | 4,565 |
| Core capital (leverage) ratio | 8.1557% | 5,287 |
| Tier 1 risk-based capital ratio | 11.0547% | 5,026 |
| Total risk-based capital ratio | 12.2725% | 4,943 |
| Memoranda: | ||
| Average total assets | $1,365,659,000 | 579 |
| Average earning assets | $1,279,748,670 | 562 |
| Average equity | $123,747,000 | 694 |
| Average total loans | $960,996,000 | 577 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 3,740 |
| Cost of funding earning assets | 0.4440% | 3,255 |
| Net interest margin | 3.5204% | 3,459 |
| Noninterest income to average assets | 0.3308% | 3,938 |
| Noninterest expense to average assets | 2.1814% | 4,459 |
| Loan and lease loss provision to assets | 0.0536% | 2,699 |
| Net operating income to assets | 1.0732% | 2,553 |
| Return on assets (ROA) | 1.0745% | 2,560 |
| Pretax return on assets | 1.3997% | 2,003 |
| Return on Equity (ROE) | 11.8139% | 1,645 |
| Retained earnings to average equity (ytd only) | 6.2017% | 2,624 |
| Net charge-offs to loans | 0.0244% | 2,018 |
| Credit loss provision to net charge-offs | 313.7931% | 790 |
| Earnings coverage of net charge-offs (x) | 84.9655% | 679 |
| Efficiency ratio | 59.9562% | 4,069 |
| Assets per employee ($millions) | 11.0078% | 244 |
| Cash dividends to net income (ytd only)* | 47.5055% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,628 |
| Loan loss allowance to noncurrent loans | 282.8969% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 3,609 |
| Noncurrent loans to loans | 0.4349% | 3,226 |
| Net loans and leases to total assets | 69.8342% | 2,515 |
| Net loans and leases to deposits | 90.4397% | 1,636 |
| Net loans and leases to core deposits | 94.4939% | 2,097 |
| Total domestic deposits to total assets | 77.2163% | 4,839 |
| Equity capital to assets | 9.0869% | 4,467 |
| Core capital (leverage) ratio | 8.0743% | 5,372 |
| Tier 1 risk-based capital ratio | 11.0034% | 5,129 |
| Total risk-based capital ratio | 12.2147% | 5,050 |
| Memoranda: | ||
| Average total assets | $1,358,018,000 | 588 |
| Average earning assets | $1,273,832,500 | 571 |
| Average equity | $123,515,500 | 697 |
| Average total loans | $952,364,000 | 585 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 3,956 |
| Cost of funding earning assets | 0.3559% | 3,652 |
| Net interest margin | 3.4713% | 3,618 |
| Noninterest income to average assets | 0.3699% | 3,822 |
| Noninterest expense to average assets | 2.2226% | 4,484 |
| Loan and lease loss provision to assets | 0.0754% | 2,693 |
| Net operating income to assets | 0.6831% | 3,668 |
| Return on assets (ROA) | 0.6802% | 3,736 |
| Pretax return on assets | 1.3260% | 2,264 |
| Return on Equity (ROE) | 7.2083% | 3,172 |
| Retained earnings to average equity (ytd only) | 2.8411% | 3,613 |
| Net charge-offs to loans | 0.0064% | 3,849 |
| Credit loss provision to net charge-offs | 1,733.3333% | 219 |
| Earnings coverage of net charge-offs (x) | 323.3158% | 267 |
| Efficiency ratio | 61.1352% | 4,092 |
| Assets per employee ($millions) | 10.9844% | 241 |
| Cash dividends to net income (ytd only)* | 60.5853% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,600 |
| Loan loss allowance to noncurrent loans | 193.2504% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 3,097 |
| Noncurrent loans to loans | 0.6365% | 2,626 |
| Net loans and leases to total assets | 68.7018% | 2,725 |
| Net loans and leases to deposits | 96.2292% | 1,072 |
| Net loans and leases to core deposits | 101.0182% | 1,632 |
| Total domestic deposits to total assets | 71.3939% | 5,349 |
| Equity capital to assets | 9.1036% | 4,616 |
| Core capital (leverage) ratio | 8.0803% | 5,402 |
| Tier 1 risk-based capital ratio | 10.8505% | 5,232 |
| Total risk-based capital ratio | 12.0546% | 5,143 |
| Memoranda: | ||
| Average total assets | $1,311,106,000 | 584 |
| Average earning assets | $1,230,675,600 | 571 |
| Average equity | $123,719,000 | 665 |
| Average total loans | $888,783,800 | 597 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 4,023 |
| Cost of funding earning assets | 0.3382% | 3,791 |
| Net interest margin | 3.4585% | 3,644 |
| Noninterest income to average assets | 0.3739% | 3,852 |
| Noninterest expense to average assets | 2.2076% | 4,509 |
| Loan and lease loss provision to assets | 0.0551% | 2,990 |
| Net operating income to assets | 0.9006% | 3,024 |
| Return on assets (ROA) | 0.8967% | 3,098 |
| Pretax return on assets | 1.3549% | 2,262 |
| Return on Equity (ROE) | 9.4156% | 2,395 |
| Retained earnings to average equity (ytd only) | 5.0464% | 2,863 |
| Net charge-offs to loans | 0.0210% | 3,060 |
| Credit loss provision to net charge-offs | 389.1304% | 783 |
| Earnings coverage of net charge-offs (x) | 99.8960% | 689 |
| Efficiency ratio | 60.7924% | 4,076 |
| Assets per employee ($millions) | 11.0802% | 228 |
| Cash dividends to net income (ytd only)* | 46.4040% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,770 |
| Loan loss allowance to noncurrent loans | 143.6321% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 2,790 |
| Noncurrent loans to loans | 0.8536% | 2,232 |
| Net loans and leases to total assets | 66.8210% | 3,000 |
| Net loans and leases to deposits | 80.1583% | 2,959 |
| Net loans and leases to core deposits | 83.5822% | 3,170 |
| Total domestic deposits to total assets | 83.3614% | 3,342 |
| Equity capital to assets | 9.4337% | 4,508 |
| Core capital (leverage) ratio | 8.2397% | 5,402 |
| Tier 1 risk-based capital ratio | 11.2898% | 5,084 |
| Total risk-based capital ratio | 12.4871% | 5,015 |
| Memoranda: | ||
| Average total assets | $1,298,364,750 | 593 |
| Average earning assets | $1,219,893,500 | 577 |
| Average equity | $123,649,500 | 666 |
| Average total loans | $874,124,750 | 602 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7791% | 3,967 |
| Cost of funding earning assets | 0.3223% | 3,863 |
| Net interest margin | 3.4567% | 3,562 |
| Noninterest income to average assets | 0.3887% | 3,758 |
| Noninterest expense to average assets | 2.2218% | 4,526 |
| Loan and lease loss provision to assets | 0.0464% | 3,063 |
| Net operating income to assets | 0.9061% | 2,884 |
| Return on assets (ROA) | 0.9056% | 2,933 |
| Pretax return on assets | 1.3599% | 2,165 |
| Return on Equity (ROE) | 9.4779% | 2,284 |
| Retained earnings to average equity (ytd only) | 5.0755% | 2,665 |
| Net charge-offs to loans | 0.0209% | 2,812 |
| Credit loss provision to net charge-offs | 331.1111% | 896 |
| Earnings coverage of net charge-offs (x) | 100.3667% | 653 |
| Efficiency ratio | 61.0730% | 4,153 |
| Assets per employee ($millions) | 10.5230% | 261 |
| Cash dividends to net income (ytd only)* | 46.4488% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,856 |
| Loan loss allowance to noncurrent loans | 172.3159% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 3,101 |
| Noncurrent loans to loans | 0.7117% | 2,619 |
| Net loans and leases to total assets | 66.9203% | 2,965 |
| Net loans and leases to deposits | 86.8511% | 2,128 |
| Net loans and leases to core deposits | 91.9508% | 2,341 |
| Total domestic deposits to total assets | 77.0518% | 4,948 |
| Equity capital to assets | 9.4797% | 4,421 |
| Core capital (leverage) ratio | 8.1477% | 5,461 |
| Tier 1 risk-based capital ratio | 11.2268% | 5,126 |
| Total risk-based capital ratio | 12.4157% | 5,052 |
| Memoranda: | ||
| Average total assets | $1,284,251,670 | 599 |
| Average earning assets | $1,203,682,670 | 587 |
| Average equity | $122,706,670 | 674 |
| Average total loans | $863,169,000 | 612 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7043% | 4,110 |
| Cost of funding earning assets | 0.2910% | 4,134 |
| Net interest margin | 3.4133% | 3,610 |
| Noninterest income to average assets | 0.3966% | 3,686 |
| Noninterest expense to average assets | 2.2628% | 4,497 |
| Loan and lease loss provision to assets | 0.1302% | 1,470 |
| Net operating income to assets | 0.8342% | 3,061 |
| Return on assets (ROA) | 0.8342% | 3,117 |
| Pretax return on assets | 1.2057% | 2,573 |
| Return on Equity (ROE) | 8.6959% | 2,569 |
| Retained earnings to average equity (ytd only) | 4.2559% | 3,312 |
| Net charge-offs to loans | 0.1281% | 1,154 |
| Credit loss provision to net charge-offs | 151.8382% | 1,204 |
| Earnings coverage of net charge-offs (x) | 15.5772% | 1,670 |
| Efficiency ratio | 62.6862% | 4,041 |
| Assets per employee ($millions) | 10.4034% | 267 |
| Cash dividends to net income (ytd only)* | 51.0582% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,715 |
| Loan loss allowance to noncurrent loans | 166.2534% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 3,127 |
| Noncurrent loans to loans | 0.7611% | 2,578 |
| Net loans and leases to total assets | 66.2445% | 2,936 |
| Net loans and leases to deposits | 80.6062% | 2,669 |
| Net loans and leases to core deposits | 83.9963% | 2,899 |
| Total domestic deposits to total assets | 82.1829% | 4,122 |
| Equity capital to assets | 9.5718% | 4,212 |
| Core capital (leverage) ratio | 8.2345% | 5,418 |
| Tier 1 risk-based capital ratio | 11.4276% | 5,077 |
| Total risk-based capital ratio | 12.6461% | 4,991 |
| Memoranda: | ||
| Average total assets | $1,268,689,000 | 604 |
| Average earning assets | $1,190,178,000 | 598 |
| Average equity | $121,713,000 | 679 |
| Average total loans | $849,161,500 | 623 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,273 |
| Cost of funding earning assets | 0.2777% | 4,275 |
| Net interest margin | 3.4031% | 3,816 |
| Noninterest income to average assets | 0.3462% | 4,261 |
| Noninterest expense to average assets | 2.1706% | 4,840 |
| Loan and lease loss provision to assets | 0.0611% | 3,148 |
| Net operating income to assets | 0.8403% | 3,108 |
| Return on assets (ROA) | 0.8437% | 3,208 |
| Pretax return on assets | 1.2894% | 2,315 |
| Return on Equity (ROE) | 8.2360% | 2,814 |
| Retained earnings to average equity (ytd only) | 0.1833% | 5,243 |
| Net charge-offs to loans | -0.0134% | 5,017 |
| Credit loss provision to net charge-offs | -707.6923% | 5,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4952% | 4,340 |
| Assets per employee ($millions) | 10.2257% | 284 |
| Cash dividends to net income (ytd only)* | 97.7747% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 2,667 |
| Loan loss allowance to noncurrent loans | 140.1752% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 2,715 |
| Noncurrent loans to loans | 0.9108% | 2,274 |
| Net loans and leases to total assets | 65.9157% | 3,083 |
| Net loans and leases to deposits | 83.7794% | 2,449 |
| Net loans and leases to core deposits | 89.3767% | 2,562 |
| Total domestic deposits to total assets | 78.6777% | 4,871 |
| Equity capital to assets | 9.6157% | 4,153 |
| Core capital (leverage) ratio | 8.3550% | 5,397 |
| Tier 1 risk-based capital ratio | 11.4035% | 5,111 |
| Total risk-based capital ratio | 12.6202% | 5,033 |
| Memoranda: | ||
| Average total assets | $1,203,772,200 | 612 |
| Average earning assets | $1,121,165,400 | 597 |
| Average equity | $123,312,200 | 649 |
| Average total loans | $778,698,800 | 644 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7057% | 4,237 |
| Cost of funding earning assets | 0.2785% | 4,310 |
| Net interest margin | 3.4272% | 3,748 |
| Noninterest income to average assets | 0.3473% | 4,304 |
| Noninterest expense to average assets | 2.2088% | 4,748 |
| Loan and lease loss provision to assets | 0.0625% | 2,983 |
| Net operating income to assets | 0.8184% | 3,284 |
| Return on assets (ROA) | 0.8231% | 3,401 |
| Pretax return on assets | 1.2699% | 2,538 |
| Return on Equity (ROE) | 7.9070% | 3,059 |
| Retained earnings to average equity (ytd only) | 0.0732% | 5,319 |
| Net charge-offs to loans | 0.0100% | 3,578 |
| Credit loss provision to net charge-offs | 978.9474% | 417 |
| Earnings coverage of net charge-offs (x) | 207.5212% | 359 |
| Efficiency ratio | 62.2480% | 4,180 |
| Assets per employee ($millions) | 10.4858% | 258 |
| Cash dividends to net income (ytd only)* | 99.0745% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,717 |
| Loan loss allowance to noncurrent loans | 164.8254% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 3,259 |
| Noncurrent loans to loans | 0.7852% | 2,714 |
| Net loans and leases to total assets | 61.9091% | 3,647 |
| Net loans and leases to deposits | 70.4150% | 3,950 |
| Net loans and leases to core deposits | 75.5627% | 3,881 |
| Total domestic deposits to total assets | 87.9203% | 1,435 |
| Equity capital to assets | 9.7351% | 4,432 |
| Core capital (leverage) ratio | 8.5515% | 5,315 |
| Tier 1 risk-based capital ratio | 11.8177% | 4,906 |
| Total risk-based capital ratio | 13.0426% | 4,820 |
| Memoranda: | ||
| Average total assets | $1,190,275,000 | 616 |
| Average earning assets | $1,106,737,000 | 601 |
| Average equity | $123,904,500 | 646 |
| Average total loans | $763,427,500 | 655 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 4,244 |
| Cost of funding earning assets | 0.2801% | 4,343 |
| Net interest margin | 3.4360% | 3,737 |
| Noninterest income to average assets | 0.3457% | 4,306 |
| Noninterest expense to average assets | 2.2445% | 4,743 |
| Loan and lease loss provision to assets | 0.0736% | 2,669 |
| Net operating income to assets | 0.8074% | 3,277 |
| Return on assets (ROA) | 0.8120% | 3,385 |
| Pretax return on assets | 1.2564% | 2,585 |
| Return on Equity (ROE) | 7.6188% | 3,193 |
| Retained earnings to average equity (ytd only) | 0.4560% | 5,165 |
| Net charge-offs to loans | 0.0269% | 2,939 |
| Credit loss provision to net charge-offs | 422.7723% | 750 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 728 |
| Efficiency ratio | 62.6347% | 4,243 |
| Assets per employee ($millions) | 10.0998% | 275 |
| Cash dividends to net income (ytd only)* | 94.0153% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 2,808 |
| Loan loss allowance to noncurrent loans | 150.7458% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 3,143 |
| Noncurrent loans to loans | 0.8599% | 2,589 |
| Net loans and leases to total assets | 64.6669% | 3,272 |
| Net loans and leases to deposits | 76.2276% | 3,356 |
| Net loans and leases to core deposits | 82.7191% | 3,204 |
| Total domestic deposits to total assets | 84.8340% | 2,947 |
| Equity capital to assets | 10.4316% | 3,709 |
| Core capital (leverage) ratio | 8.7777% | 5,086 |
| Tier 1 risk-based capital ratio | 12.0471% | 4,793 |
| Total risk-based capital ratio | 13.2736% | 4,724 |
| Memoranda: | ||
| Average total assets | $1,160,611,000 | 627 |
| Average earning assets | $1,088,195,000 | 609 |
| Average equity | $123,693,330 | 646 |
| Average total loans | $750,447,670 | 666 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7432% | 4,156 |
| Cost of funding earning assets | 0.2794% | 4,400 |
| Net interest margin | 3.4638% | 3,608 |
| Noninterest income to average assets | 0.3649% | 4,110 |
| Noninterest expense to average assets | 2.3074% | 4,637 |
| Loan and lease loss provision to assets | 0.0702% | 2,545 |
| Net operating income to assets | 0.7977% | 3,264 |
| Return on assets (ROA) | 0.8074% | 3,324 |
| Pretax return on assets | 1.2474% | 2,516 |
| Return on Equity (ROE) | 7.4919% | 3,190 |
| Retained earnings to average equity (ytd only) | 0.2800% | 5,044 |
| Net charge-offs to loans | 0.0727% | 1,754 |
| Credit loss provision to net charge-offs | 150.3759% | 1,271 |
| Earnings coverage of net charge-offs (x) | 27.9098% | 1,232 |
| Efficiency ratio | 63.5984% | 4,189 |
| Assets per employee ($millions) | 9.6534% | 320 |
| Cash dividends to net income (ytd only)* | 96.2625% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 2,614 |
| Loan loss allowance to noncurrent loans | 133.0124% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 2,844 |
| Noncurrent loans to loans | 1.0218% | 2,342 |
| Net loans and leases to total assets | 62.8503% | 3,408 |
| Net loans and leases to deposits | 72.8594% | 3,565 |
| Net loans and leases to core deposits | 78.0414% | 3,487 |
| Total domestic deposits to total assets | 86.2624% | 2,561 |
| Equity capital to assets | 10.8087% | 3,157 |
| Core capital (leverage) ratio | 8.9734% | 4,888 |
| Tier 1 risk-based capital ratio | 12.8540% | 4,353 |
| Total risk-based capital ratio | 14.1044% | 4,263 |
| Memoranda: | ||
| Average total assets | $1,139,975,500 | 635 |
| Average earning assets | $1,067,964,500 | 623 |
| Average equity | $122,852,000 | 649 |
| Average total loans | $731,958,000 | 681 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 4,223 |
| Cost of funding earning assets | 0.2757% | 4,524 |
| Net interest margin | 3.4668% | 3,650 |
| Noninterest income to average assets | 0.4130% | 3,936 |
| Noninterest expense to average assets | 2.2403% | 4,947 |
| Loan and lease loss provision to assets | -0.0003% | 5,592 |
| Net operating income to assets | 0.9109% | 2,806 |
| Return on assets (ROA) | 0.9293% | 2,797 |
| Pretax return on assets | 1.4330% | 1,774 |
| Return on Equity (ROE) | 8.4520% | 2,734 |
| Retained earnings to average equity (ytd only) | 4.5466% | 2,747 |
| Net charge-offs to loans | -0.0157% | 5,216 |
| Credit loss provision to net charge-offs | 2.7778% | 3,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1012% | 4,748 |
| Assets per employee ($millions) | 9.4267% | 327 |
| Cash dividends to net income (ytd only)* | 46.2070% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 2,666 |
| Loan loss allowance to noncurrent loans | 124.9020% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 2,578 |
| Noncurrent loans to loans | 1.0808% | 2,177 |
| Net loans and leases to total assets | 63.8343% | 3,310 |
| Net loans and leases to deposits | 80.1632% | 2,803 |
| Net loans and leases to core deposits | 87.1167% | 2,684 |
| Total domestic deposits to total assets | 79.6304% | 4,833 |
| Equity capital to assets | 10.7442% | 3,081 |
| Core capital (leverage) ratio | 9.1481% | 4,688 |
| Tier 1 risk-based capital ratio | 12.7508% | 4,478 |
| Total risk-based capital ratio | 14.0009% | 4,382 |
| Memoranda: | ||
| Average total assets | $1,089,425,400 | 643 |
| Average earning assets | $1,015,465,600 | 631 |
| Average equity | $119,782,000 | 639 |
| Average total loans | $687,198,600 | 679 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 4,285 |
| Cost of funding earning assets | 0.2755% | 4,603 |
| Net interest margin | 3.4659% | 3,689 |
| Noninterest income to average assets | 0.4000% | 4,087 |
| Noninterest expense to average assets | 2.2334% | 4,958 |
| Loan and lease loss provision to assets | -0.0112% | 5,820 |
| Net operating income to assets | 0.9066% | 2,934 |
| Return on assets (ROA) | 0.9264% | 2,912 |
| Pretax return on assets | 1.4375% | 1,873 |
| Return on Equity (ROE) | 8.3757% | 2,894 |
| Retained earnings to average equity (ytd only) | 4.5828% | 3,212 |
| Net charge-offs to loans | -0.0331% | 5,396 |
| Credit loss provision to net charge-offs | 54.1667% | 2,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1654% | 4,696 |
| Assets per employee ($millions) | 9.5240% | 318 |
| Cash dividends to net income (ytd only)* | 45.2847% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 2,559 |
| Loan loss allowance to noncurrent loans | 107.9426% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.9789% | 2,401 |
| Noncurrent loans to loans | 1.3037% | 1,961 |
| Net loans and leases to total assets | 61.4255% | 3,676 |
| Net loans and leases to deposits | 69.9621% | 3,992 |
| Net loans and leases to core deposits | 75.5194% | 3,853 |
| Total domestic deposits to total assets | 87.7983% | 1,657 |
| Equity capital to assets | 10.8488% | 3,194 |
| Core capital (leverage) ratio | 9.3341% | 4,537 |
| Tier 1 risk-based capital ratio | 13.0204% | 4,418 |
| Total risk-based capital ratio | 14.2711% | 4,342 |
| Memoranda: | ||
| Average total assets | $1,078,981,250 | 655 |
| Average earning assets | $1,005,052,750 | 644 |
| Average equity | $119,342,750 | 644 |
| Average total loans | $676,004,250 | 694 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 4,135 |
| Cost of funding earning assets | 0.2777% | 4,636 |
| Net interest margin | 3.5016% | 3,488 |
| Noninterest income to average assets | 0.4007% | 4,078 |
| Noninterest expense to average assets | 2.2505% | 4,974 |
| Loan and lease loss provision to assets | 0.0092% | 3,921 |
| Net operating income to assets | 0.9031% | 2,863 |
| Return on assets (ROA) | 0.9299% | 2,855 |
| Pretax return on assets | 1.4468% | 1,813 |
| Return on Equity (ROE) | 8.3506% | 2,875 |
| Retained earnings to average equity (ytd only) | 4.6454% | 3,085 |
| Net charge-offs to loans | 0.0213% | 3,247 |
| Credit loss provision to net charge-offs | 69.0141% | 2,472 |
| Earnings coverage of net charge-offs (x) | 105.9437% | 576 |
| Efficiency ratio | 61.0003% | 4,829 |
| Assets per employee ($millions) | 9.2754% | 336 |
| Cash dividends to net income (ytd only)* | 44.3703% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 2,538 |
| Loan loss allowance to noncurrent loans | 102.1575% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.9984% | 2,527 |
| Noncurrent loans to loans | 1.4142% | 1,901 |
| Net loans and leases to total assets | 61.8429% | 3,574 |
| Net loans and leases to deposits | 71.0848% | 3,819 |
| Net loans and leases to core deposits | 77.7095% | 3,609 |
| Total domestic deposits to total assets | 86.9988% | 2,172 |
| Equity capital to assets | 11.0862% | 2,798 |
| Core capital (leverage) ratio | 9.2819% | 4,577 |
| Tier 1 risk-based capital ratio | 13.3772% | 4,291 |
| Total risk-based capital ratio | 14.6284% | 4,221 |
| Memoranda: | ||
| Average total assets | $1,064,030,330 | 667 |
| Average earning assets | $991,719,000 | 654 |
| Average equity | $118,482,670 | 651 |
| Average total loans | $667,947,670 | 701 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 3,976 |
| Cost of funding earning assets | 0.2789% | 4,678 |
| Net interest margin | 3.5305% | 3,300 |
| Noninterest income to average assets | 0.3962% | 4,033 |
| Noninterest expense to average assets | 2.4702% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7802% | 3,361 |
| Return on assets (ROA) | 0.7905% | 3,449 |
| Pretax return on assets | 1.2298% | 2,548 |
| Return on Equity (ROE) | 7.0832% | 3,461 |
| Retained earnings to average equity (ytd only) | 3.5196% | 3,887 |
| Net charge-offs to loans | -0.0355% | 5,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6051% | 4,052 |
| Assets per employee ($millions) | 9.2838% | 326 |
| Cash dividends to net income (ytd only)* | 50.3109% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 2,631 |
| Loan loss allowance to noncurrent loans | 106.3473% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 2,663 |
| Noncurrent loans to loans | 1.3709% | 2,099 |
| Net loans and leases to total assets | 62.2668% | 3,325 |
| Net loans and leases to deposits | 74.0586% | 3,304 |
| Net loans and leases to core deposits | 81.2191% | 3,031 |
| Total domestic deposits to total assets | 84.0778% | 3,794 |
| Equity capital to assets | 11.1702% | 2,789 |
| Core capital (leverage) ratio | 9.1971% | 4,720 |
| Tier 1 risk-based capital ratio | 13.2260% | 4,480 |
| Total risk-based capital ratio | 14.4774% | 4,399 |
| Memoranda: | ||
| Average total assets | $1,058,070,000 | 670 |
| Average earning assets | $985,250,500 | 650 |
| Average equity | $118,083,000 | 651 |
| Average total loans | $664,345,000 | 705 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 3,714 |
| Cost of funding earning assets | 0.3065% | 4,724 |
| Net interest margin | 3.6983% | 3,016 |
| Noninterest income to average assets | 0.4573% | 3,789 |
| Noninterest expense to average assets | 2.4808% | 4,608 |
| Loan and lease loss provision to assets | -0.0575% | 6,057 |
| Net operating income to assets | 0.9242% | 2,754 |
| Return on assets (ROA) | 0.9303% | 2,811 |
| Pretax return on assets | 1.4555% | 1,708 |
| Return on Equity (ROE) | 8.1831% | 3,033 |
| Retained earnings to average equity (ytd only) | 3.9705% | 3,390 |
| Net charge-offs to loans | 0.0524% | 3,785 |
| Credit loss provision to net charge-offs | -171.8101% | 5,601 |
| Earnings coverage of net charge-offs (x) | 41.4481% | 1,050 |
| Efficiency ratio | 63.6296% | 4,644 |
| Assets per employee ($millions) | 8.8857% | 357 |
| Cash dividends to net income (ytd only)* | 51.4795% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 2,509 |
| Loan loss allowance to noncurrent loans | 114.2056% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 2,935 |
| Noncurrent loans to loans | 1.3087% | 2,255 |
| Net loans and leases to total assets | 61.4491% | 3,581 |
| Net loans and leases to deposits | 78.3402% | 2,934 |
| Net loans and leases to core deposits | 84.2023% | 2,880 |
| Total domestic deposits to total assets | 78.4388% | 5,359 |
| Equity capital to assets | 11.1500% | 2,749 |
| Core capital (leverage) ratio | 9.1705% | 4,717 |
| Tier 1 risk-based capital ratio | 13.7665% | 4,257 |
| Total risk-based capital ratio | 15.0187% | 4,192 |
| Memoranda: | ||
| Average total assets | $1,006,224,800 | 674 |
| Average earning assets | $928,239,800 | 661 |
| Average equity | $114,394,800 | 640 |
| Average total loans | $643,736,600 | 676 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 3,622 |
| Cost of funding earning assets | 0.3160% | 4,720 |
| Net interest margin | 3.7185% | 2,944 |
| Noninterest income to average assets | 0.4426% | 3,941 |
| Noninterest expense to average assets | 2.5208% | 4,460 |
| Loan and lease loss provision to assets | -0.0983% | 6,271 |
| Net operating income to assets | 0.9255% | 2,795 |
| Return on assets (ROA) | 0.9299% | 2,868 |
| Pretax return on assets | 1.4500% | 1,809 |
| Return on Equity (ROE) | 8.1381% | 3,130 |
| Retained earnings to average equity (ytd only) | 4.8344% | 3,194 |
| Net charge-offs to loans | 0.0699% | 3,200 |
| Credit loss provision to net charge-offs | -218.4524% | 5,581 |
| Earnings coverage of net charge-offs (x) | 29.8809% | 1,374 |
| Efficiency ratio | 64.7069% | 4,429 |
| Assets per employee ($millions) | 8.5727% | 403 |
| Cash dividends to net income (ytd only)* | 40.5961% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 2,685 |
| Loan loss allowance to noncurrent loans | 91.6905% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 2,741 |
| Noncurrent loans to loans | 1.6410% | 1,985 |
| Net loans and leases to total assets | 61.7421% | 3,527 |
| Net loans and leases to deposits | 71.7621% | 3,707 |
| Net loans and leases to core deposits | 76.7795% | 3,659 |
| Total domestic deposits to total assets | 86.0372% | 2,831 |
| Equity capital to assets | 11.3792% | 2,607 |
| Core capital (leverage) ratio | 9.5946% | 4,253 |
| Tier 1 risk-based capital ratio | 14.0458% | 4,176 |
| Total risk-based capital ratio | 15.2982% | 4,120 |
| Memoranda: | ||
| Average total assets | $995,654,000 | 678 |
| Average earning assets | $916,429,000 | 666 |
| Average equity | $113,766,250 | 638 |
| Average total loans | $641,152,000 | 673 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 3,370 |
| Cost of funding earning assets | 0.3344% | 4,592 |
| Net interest margin | 3.7601% | 2,716 |
| Noninterest income to average assets | 0.4610% | 3,782 |
| Noninterest expense to average assets | 2.6036% | 4,229 |
| Loan and lease loss provision to assets | -0.0948% | 6,367 |
| Net operating income to assets | 0.9088% | 2,761 |
| Return on assets (ROA) | 0.9159% | 2,829 |
| Pretax return on assets | 1.4301% | 1,783 |
| Return on Equity (ROE) | 8.0040% | 3,093 |
| Retained earnings to average equity (ytd only) | 5.6216% | 2,564 |
| Net charge-offs to loans | 0.1384% | 2,285 |
| Credit loss provision to net charge-offs | -105.4054% | 5,266 |
| Earnings coverage of net charge-offs (x) | 14.7230% | 1,896 |
| Efficiency ratio | 65.7591% | 4,394 |
| Assets per employee ($millions) | 8.0194% | 490 |
| Cash dividends to net income (ytd only)* | 29.7656% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 2,697 |
| Loan loss allowance to noncurrent loans | 74.7992% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.4172% | 2,305 |
| Noncurrent loans to loans | 2.0641% | 1,625 |
| Net loans and leases to total assets | 63.7449% | 3,112 |
| Net loans and leases to deposits | 73.7043% | 3,357 |
| Net loans and leases to core deposits | 76.7578% | 3,555 |
| Total domestic deposits to total assets | 86.4873% | 2,769 |
| Equity capital to assets | 11.8508% | 2,104 |
| Core capital (leverage) ratio | 9.5727% | 4,215 |
| Tier 1 risk-based capital ratio | 14.2722% | 4,084 |
| Total risk-based capital ratio | 15.5254% | 4,016 |
| Memoranda: | ||
| Average total assets | $987,488,670 | 680 |
| Average earning assets | $910,390,000 | 668 |
| Average equity | $112,993,330 | 632 |
| Average total loans | $641,708,000 | 667 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,698 |
| Cost of funding earning assets | 0.3454% | 4,582 |
| Net interest margin | 3.6512% | 3,054 |
| Noninterest income to average assets | 0.4209% | 4,024 |
| Noninterest expense to average assets | 2.5491% | 4,455 |
| Loan and lease loss provision to assets | -0.0698% | 6,471 |
| Net operating income to assets | 0.8338% | 2,987 |
| Return on assets (ROA) | 0.8483% | 2,977 |
| Pretax return on assets | 1.3233% | 2,017 |
| Return on Equity (ROE) | 7.5468% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.5468% | 1,796 |
| Net charge-offs to loans | 0.1239% | 1,979 |
| Credit loss provision to net charge-offs | -86.5000% | 4,819 |
| Earnings coverage of net charge-offs (x) | 15.2600% | 1,558 |
| Efficiency ratio | 66.8551% | 4,387 |
| Assets per employee ($millions) | 8.2139% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 2,721 |
| Loan loss allowance to noncurrent loans | 60.6822% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 1.7942% | 1,958 |
| Noncurrent loans to loans | 2.6313% | 1,303 |
| Net loans and leases to total assets | 63.9842% | 2,896 |
| Net loans and leases to deposits | 75.3222% | 2,896 |
| Net loans and leases to core deposits | 78.4816% | 3,152 |
| Total domestic deposits to total assets | 84.9473% | 3,897 |
| Equity capital to assets | 11.4010% | 2,331 |
| Core capital (leverage) ratio | 9.4931% | 4,288 |
| Tier 1 risk-based capital ratio | 13.7429% | 4,507 |
| Total risk-based capital ratio | 14.9967% | 4,460 |
| Memoranda: | ||
| Average total assets | $992,051,000 | 679 |
| Average earning assets | $912,572,500 | 672 |
| Average equity | $111,518,000 | 642 |
| Average total loans | $645,843,500 | 663 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 3,811 |
| Cost of funding earning assets | 0.3809% | 4,829 |
| Net interest margin | 3.7005% | 3,053 |
| Noninterest income to average assets | 0.4340% | 4,202 |
| Noninterest expense to average assets | 2.6326% | 4,343 |
| Loan and lease loss provision to assets | 0.0115% | 4,897 |
| Net operating income to assets | 0.7695% | 3,446 |
| Return on assets (ROA) | 0.7769% | 3,513 |
| Pretax return on assets | 1.1851% | 2,640 |
| Return on Equity (ROE) | 6.8535% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.8535% | 1,501 |
| Net charge-offs to loans | -0.0478% | 6,327 |
| Credit loss provision to net charge-offs | -37.6712% | 5,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3123% | 4,138 |
| Assets per employee ($millions) | 8.3212% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 2,546 |
| Loan loss allowance to noncurrent loans | 56.1584% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.0062% | 1,787 |
| Noncurrent loans to loans | 2.9498% | 1,174 |
| Net loans and leases to total assets | 64.1017% | 3,029 |
| Net loans and leases to deposits | 81.7730% | 2,207 |
| Net loans and leases to core deposits | 85.5161% | 2,505 |
| Total domestic deposits to total assets | 78.3899% | 5,766 |
| Equity capital to assets | 11.0807% | 2,540 |
| Core capital (leverage) ratio | 9.2758% | 4,596 |
| Tier 1 risk-based capital ratio | 13.3431% | 4,753 |
| Total risk-based capital ratio | 14.5974% | 4,692 |
| Memoranda: | ||
| Average total assets | $959,769,000 | 687 |
| Average earning assets | $877,627,400 | 685 |
| Average equity | $108,790,800 | 649 |
| Average total loans | $610,689,400 | 684 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 4,010 |
| Cost of funding earning assets | 0.3879% | 4,920 |
| Net interest margin | 3.6437% | 3,260 |
| Noninterest income to average assets | 0.4436% | 4,201 |
| Noninterest expense to average assets | 2.6274% | 4,291 |
| Loan and lease loss provision to assets | 0.1113% | 2,904 |
| Net operating income to assets | 0.6791% | 3,958 |
| Return on assets (ROA) | 0.6896% | 4,047 |
| Pretax return on assets | 1.0502% | 3,299 |
| Return on Equity (ROE) | 6.0489% | 4,164 |
| Retained earnings to average equity (ytd only) | 6.0489% | 2,376 |
| Net charge-offs to loans | 0.1464% | 3,081 |
| Credit loss provision to net charge-offs | 120.2723% | 1,960 |
| Earnings coverage of net charge-offs (x) | 12.3737% | 2,138 |
| Efficiency ratio | 68.9741% | 3,918 |
| Assets per employee ($millions) | 8.2313% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 2,775 |
| Loan loss allowance to noncurrent loans | 46.4341% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 2.4360% | 1,589 |
| Noncurrent loans to loans | 3.5675% | 1,063 |
| Net loans and leases to total assets | 63.1783% | 3,135 |
| Net loans and leases to deposits | 75.0155% | 3,090 |
| Net loans and leases to core deposits | 78.2248% | 3,327 |
| Total domestic deposits to total assets | 84.2204% | 4,108 |
| Equity capital to assets | 11.0639% | 2,705 |
| Core capital (leverage) ratio | 9.2358% | 4,780 |
| Tier 1 risk-based capital ratio | 13.2044% | 4,983 |
| Total risk-based capital ratio | 14.4586% | 4,920 |
| Memoranda: | ||
| Average total assets | $952,156,750 | 697 |
| Average earning assets | $869,938,500 | 691 |
| Average equity | $108,557,750 | 657 |
| Average total loans | $602,002,000 | 693 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 4,096 |
| Cost of funding earning assets | 0.3908% | 5,028 |
| Net interest margin | 3.6121% | 3,312 |
| Noninterest income to average assets | 0.4367% | 4,271 |
| Noninterest expense to average assets | 2.6684% | 4,146 |
| Loan and lease loss provision to assets | 0.0899% | 3,286 |
| Net operating income to assets | 0.6498% | 4,062 |
| Return on assets (ROA) | 0.6606% | 4,163 |
| Pretax return on assets | 1.0040% | 3,496 |
| Return on Equity (ROE) | 5.7356% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.7356% | 2,592 |
| Net charge-offs to loans | 0.1747% | 2,723 |
| Credit loss provision to net charge-offs | 81.8533% | 2,592 |
| Earnings coverage of net charge-offs (x) | 9.8050% | 2,235 |
| Efficiency ratio | 70.5339% | 3,729 |
| Assets per employee ($millions) | 7.8120% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 2,866 |
| Loan loss allowance to noncurrent loans | 49.3156% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 2.3170% | 1,866 |
| Noncurrent loans to loans | 3.4015% | 1,255 |
| Net loans and leases to total assets | 62.1955% | 3,253 |
| Net loans and leases to deposits | 74.5243% | 3,073 |
| Net loans and leases to core deposits | 77.9316% | 3,298 |
| Total domestic deposits to total assets | 83.4568% | 4,519 |
| Equity capital to assets | 11.1136% | 2,644 |
| Core capital (leverage) ratio | 8.9666% | 5,049 |
| Tier 1 risk-based capital ratio | 13.4129% | 4,829 |
| Total risk-based capital ratio | 14.6673% | 4,784 |
| Memoranda: | ||
| Average total assets | $943,034,670 | 704 |
| Average earning assets | $863,869,000 | 692 |
| Average equity | $108,619,330 | 662 |
| Average total loans | $592,912,670 | 705 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 4,419 |
| Cost of funding earning assets | 0.3966% | 5,137 |
| Net interest margin | 3.5183% | 3,624 |
| Noninterest income to average assets | 0.4582% | 4,065 |
| Noninterest expense to average assets | 2.6965% | 4,074 |
| Loan and lease loss provision to assets | 0.2835% | 1,245 |
| Net operating income to assets | 0.4656% | 4,847 |
| Return on assets (ROA) | 0.4882% | 4,889 |
| Pretax return on assets | 0.7297% | 4,445 |
| Return on Equity (ROE) | 4.1630% | 5,009 |
| Retained earnings to average equity (ytd only) | 4.1630% | 3,721 |
| Net charge-offs to loans | 0.5746% | 1,061 |
| Credit loss provision to net charge-offs | 78.7158% | 2,173 |
| Earnings coverage of net charge-offs (x) | 2.7194% | 2,959 |
| Efficiency ratio | 72.5885% | 3,505 |
| Assets per employee ($millions) | 8.0250% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 2,976 |
| Loan loss allowance to noncurrent loans | 48.9495% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 2.3170% | 2,005 |
| Noncurrent loans to loans | 3.4880% | 1,377 |
| Net loans and leases to total assets | 60.4453% | 3,354 |
| Net loans and leases to deposits | 71.2865% | 3,288 |
| Net loans and leases to core deposits | 74.4351% | 3,525 |
| Total domestic deposits to total assets | 84.7920% | 4,143 |
| Equity capital to assets | 11.3972% | 2,521 |
| Core capital (leverage) ratio | 9.1523% | 4,635 |
| Tier 1 risk-based capital ratio | 13.3808% | 4,950 |
| Total risk-based capital ratio | 14.6357% | 4,903 |
| Memoranda: | ||
| Average total assets | $934,116,500 | 719 |
| Average earning assets | $854,288,000 | 705 |
| Average equity | $109,535,500 | 666 |
| Average total loans | $585,461,500 | 714 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 4,222 |
| Cost of funding earning assets | 0.4755% | 5,382 |
| Net interest margin | 3.8153% | 3,161 |
| Noninterest income to average assets | 0.4414% | 4,308 |
| Noninterest expense to average assets | 2.7742% | 4,125 |
| Loan and lease loss provision to assets | 0.6605% | 806 |
| Net operating income to assets | 0.3330% | 5,356 |
| Return on assets (ROA) | 0.3565% | 5,496 |
| Pretax return on assets | 0.5147% | 5,233 |
| Return on Equity (ROE) | 3.0277% | 5,543 |
| Retained earnings to average equity (ytd only) | 3.0277% | 4,105 |
| Net charge-offs to loans | 1.3609% | 690 |
| Credit loss provision to net charge-offs | 77.8121% | 3,900 |
| Earnings coverage of net charge-offs (x) | 1.3442% | 4,785 |
| Efficiency ratio | 70.0749% | 3,803 |
| Assets per employee ($millions) | 7.2419% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 2,660 |
| Loan loss allowance to noncurrent loans | 50.1584% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.4396% | 2,005 |
| Noncurrent loans to loans | 3.5448% | 1,398 |
| Net loans and leases to total assets | 62.7942% | 3,097 |
| Net loans and leases to deposits | 77.2594% | 2,617 |
| Net loans and leases to core deposits | 81.0700% | 2,870 |
| Total domestic deposits to total assets | 81.2771% | 5,318 |
| Equity capital to assets | 12.0761% | 1,998 |
| Core capital (leverage) ratio | 9.0424% | 4,827 |
| Tier 1 risk-based capital ratio | 13.4496% | 4,791 |
| Total risk-based capital ratio | 14.7052% | 4,744 |
| Memoranda: | ||
| Average total assets | $914,286,800 | 721 |
| Average earning assets | $832,434,000 | 716 |
| Average equity | $107,639,200 | 660 |
| Average total loans | $570,268,600 | 728 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 4,616 |
| Cost of funding earning assets | 0.4834% | 5,547 |
| Net interest margin | 3.7742% | 3,446 |
| Noninterest income to average assets | 0.4443% | 4,332 |
| Noninterest expense to average assets | 2.7561% | 4,153 |
| Loan and lease loss provision to assets | 0.3752% | 1,722 |
| Net operating income to assets | 0.5046% | 4,827 |
| Return on assets (ROA) | 0.5347% | 4,956 |
| Pretax return on assets | 0.7962% | 4,494 |
| Return on Equity (ROE) | 4.5712% | 5,013 |
| Retained earnings to average equity (ytd only) | 4.5712% | 3,685 |
| Net charge-offs to loans | 0.7106% | 1,555 |
| Credit loss provision to net charge-offs | 85.1717% | 3,459 |
| Earnings coverage of net charge-offs (x) | 2.5565% | 4,020 |
| Efficiency ratio | 70.1915% | 3,654 |
| Assets per employee ($millions) | 7.5792% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0056% | 2,153 |
| Loan loss allowance to noncurrent loans | 52.1138% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 2.5233% | 2,094 |
| Noncurrent loans to loans | 3.8484% | 1,363 |
| Net loans and leases to total assets | 60.1164% | 3,760 |
| Net loans and leases to deposits | 71.9920% | 3,611 |
| Net loans and leases to core deposits | 75.2302% | 3,819 |
| Total domestic deposits to total assets | 83.5043% | 4,434 |
| Equity capital to assets | 11.7660% | 2,468 |
| Core capital (leverage) ratio | 9.2229% | 4,719 |
| Tier 1 risk-based capital ratio | 13.4613% | 4,902 |
| Total risk-based capital ratio | 14.7195% | 4,857 |
| Memoranda: | ||
| Average total assets | $916,549,000 | 724 |
| Average earning assets | $834,883,000 | 721 |
| Average equity | $107,219,750 | 664 |
| Average total loans | $568,154,000 | 732 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 4,657 |
| Cost of funding earning assets | 0.5001% | 5,619 |
| Net interest margin | 3.7773% | 3,470 |
| Noninterest income to average assets | 0.4426% | 4,349 |
| Noninterest expense to average assets | 2.8396% | 3,869 |
| Loan and lease loss provision to assets | 0.4487% | 1,435 |
| Net operating income to assets | 0.4117% | 5,173 |
| Return on assets (ROA) | 0.4547% | 5,254 |
| Pretax return on assets | 0.6626% | 4,937 |
| Return on Equity (ROE) | 3.8944% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.8944% | 4,021 |
| Net charge-offs to loans | 0.7868% | 1,399 |
| Credit loss provision to net charge-offs | 91.6817% | 2,986 |
| Earnings coverage of net charge-offs (x) | 2.1430% | 3,915 |
| Efficiency ratio | 72.1942% | 3,397 |
| Assets per employee ($millions) | 7.4955% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0728% | 2,053 |
| Loan loss allowance to noncurrent loans | 53.1026% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 2.5720% | 2,167 |
| Noncurrent loans to loans | 3.9033% | 1,426 |
| Net loans and leases to total assets | 60.6076% | 3,709 |
| Net loans and leases to deposits | 72.6122% | 3,515 |
| Net loans and leases to core deposits | 75.8805% | 3,776 |
| Total domestic deposits to total assets | 83.4675% | 4,547 |
| Equity capital to assets | 11.7171% | 2,393 |
| Core capital (leverage) ratio | 9.0717% | 4,803 |
| Tier 1 risk-based capital ratio | 13.3299% | 4,943 |
| Total risk-based capital ratio | 14.5888% | 4,901 |
| Memoranda: | ||
| Average total assets | $908,793,330 | 730 |
| Average earning assets | $829,066,330 | 729 |
| Average equity | $106,100,000 | 669 |
| Average total loans | $565,356,330 | 737 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 4,851 |
| Cost of funding earning assets | 0.5240% | 5,651 |
| Net interest margin | 3.7459% | 3,610 |
| Noninterest income to average assets | 0.4673% | 4,166 |
| Noninterest expense to average assets | 2.8264% | 3,920 |
| Loan and lease loss provision to assets | 0.6548% | 827 |
| Net operating income to assets | 0.2884% | 5,695 |
| Return on assets (ROA) | 0.2886% | 5,864 |
| Pretax return on assets | 0.3999% | 5,724 |
| Return on Equity (ROE) | 2.4768% | 5,915 |
| Retained earnings to average equity (ytd only) | 2.4768% | 5,020 |
| Net charge-offs to loans | 1.1522% | 896 |
| Credit loss provision to net charge-offs | 91.1166% | 2,526 |
| Earnings coverage of net charge-offs (x) | 1.4670% | 3,591 |
| Efficiency ratio | 71.9525% | 3,457 |
| Assets per employee ($millions) | 7.8199% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1119% | 2,075 |
| Loan loss allowance to noncurrent loans | 50.9662% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 2.6871% | 2,192 |
| Noncurrent loans to loans | 4.1437% | 1,460 |
| Net loans and leases to total assets | 59.6155% | 3,751 |
| Net loans and leases to deposits | 71.1373% | 3,565 |
| Net loans and leases to core deposits | 74.3423% | 3,857 |
| Total domestic deposits to total assets | 83.8034% | 4,586 |
| Equity capital to assets | 11.4287% | 2,502 |
| Core capital (leverage) ratio | 9.0838% | 4,711 |
| Tier 1 risk-based capital ratio | 13.2179% | 5,056 |
| Total risk-based capital ratio | 14.4772% | 5,025 |
| Memoranda: | ||
| Average total assets | $902,219,000 | 736 |
| Average earning assets | $822,119,500 | 736 |
| Average equity | $105,137,500 | 670 |
| Average total loans | $562,737,500 | 741 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 4,732 |
| Cost of funding earning assets | 0.6317% | 5,918 |
| Net interest margin | 3.9530% | 3,091 |
| Noninterest income to average assets | 0.4998% | 3,843 |
| Noninterest expense to average assets | 2.7598% | 4,510 |
| Loan and lease loss provision to assets | 0.5940% | 1,744 |
| Net operating income to assets | 0.5057% | 4,402 |
| Return on assets (ROA) | 0.5207% | 4,549 |
| Pretax return on assets | 0.7572% | 4,127 |
| Return on Equity (ROE) | 4.4443% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.4443% | 3,011 |
| Net charge-offs to loans | 0.5764% | 2,719 |
| Credit loss provision to net charge-offs | 162.0948% | 1,697 |
| Earnings coverage of net charge-offs (x) | 3.6269% | 3,447 |
| Efficiency ratio | 66.4907% | 4,663 |
| Assets per employee ($millions) | 7.5358% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1316% | 1,926 |
| Loan loss allowance to noncurrent loans | 51.5581% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 2.7464% | 2,209 |
| Noncurrent loans to loans | 4.1345% | 1,496 |
| Net loans and leases to total assets | 62.5497% | 3,497 |
| Net loans and leases to deposits | 80.5794% | 2,421 |
| Net loans and leases to core deposits | 84.8948% | 2,758 |
| Total domestic deposits to total assets | 77.6249% | 6,253 |
| Equity capital to assets | 11.8881% | 2,209 |
| Core capital (leverage) ratio | 9.0015% | 4,790 |
| Tier 1 risk-based capital ratio | 13.2381% | 4,883 |
| Total risk-based capital ratio | 14.4956% | 4,859 |
| Memoranda: | ||
| Average total assets | $875,352,200 | 746 |
| Average earning assets | $794,787,000 | 740 |
| Average equity | $102,559,000 | 669 |
| Average total loans | $556,604,600 | 757 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 4,836 |
| Cost of funding earning assets | 0.6472% | 6,049 |
| Net interest margin | 3.9617% | 3,095 |
| Noninterest income to average assets | 0.5045% | 3,840 |
| Noninterest expense to average assets | 2.7901% | 4,379 |
| Loan and lease loss provision to assets | 0.7210% | 1,330 |
| Net operating income to assets | 0.4086% | 4,959 |
| Return on assets (ROA) | 0.4291% | 5,055 |
| Pretax return on assets | 0.6154% | 4,757 |
| Return on Equity (ROE) | 3.6759% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.6759% | 4,136 |
| Net charge-offs to loans | 0.4947% | 2,771 |
| Credit loss provision to net charge-offs | 229.4803% | 1,244 |
| Earnings coverage of net charge-offs (x) | 4.1593% | 3,160 |
| Efficiency ratio | 67.0528% | 4,511 |
| Assets per employee ($millions) | 7.3846% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2590% | 1,755 |
| Loan loss allowance to noncurrent loans | 59.9839% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.4623% | 2,616 |
| Noncurrent loans to loans | 3.7660% | 1,804 |
| Net loans and leases to total assets | 60.4299% | 4,054 |
| Net loans and leases to deposits | 72.7422% | 3,843 |
| Net loans and leases to core deposits | 76.1932% | 4,174 |
| Total domestic deposits to total assets | 83.0741% | 4,650 |
| Equity capital to assets | 11.5307% | 2,651 |
| Core capital (leverage) ratio | 9.1379% | 4,731 |
| Tier 1 risk-based capital ratio | 12.7765% | 5,270 |
| Total risk-based capital ratio | 14.0375% | 5,246 |
| Memoranda: | ||
| Average total assets | $873,766,750 | 757 |
| Average earning assets | $792,332,750 | 753 |
| Average equity | $101,994,500 | 679 |
| Average total loans | $554,878,500 | 765 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 4,649 |
| Cost of funding earning assets | 0.6645% | 6,147 |
| Net interest margin | 4.0077% | 2,800 |
| Noninterest income to average assets | 0.5219% | 3,689 |
| Noninterest expense to average assets | 2.8611% | 4,184 |
| Loan and lease loss provision to assets | 0.4987% | 1,969 |
| Net operating income to assets | 0.5480% | 4,317 |
| Return on assets (ROA) | 0.5502% | 4,441 |
| Pretax return on assets | 0.8002% | 4,026 |
| Return on Equity (ROE) | 4.6933% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.6933% | 3,202 |
| Net charge-offs to loans | 0.3984% | 2,968 |
| Credit loss provision to net charge-offs | 195.2770% | 1,547 |
| Earnings coverage of net charge-offs (x) | 5.0727% | 2,698 |
| Efficiency ratio | 67.6953% | 4,571 |
| Assets per employee ($millions) | 6.8941% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9942% | 2,387 |
| Loan loss allowance to noncurrent loans | 63.6463% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 2.1739% | 3,018 |
| Noncurrent loans to loans | 3.1333% | 2,297 |
| Net loans and leases to total assets | 63.1312% | 3,655 |
| Net loans and leases to deposits | 77.2551% | 3,258 |
| Net loans and leases to core deposits | 82.1373% | 3,482 |
| Total domestic deposits to total assets | 81.7178% | 5,266 |
| Equity capital to assets | 12.0115% | 2,077 |
| Core capital (leverage) ratio | 9.1585% | 4,477 |
| Tier 1 risk-based capital ratio | 12.9106% | 4,991 |
| Total risk-based capital ratio | 14.1685% | 4,960 |
| Memoranda: | ||
| Average total assets | $862,253,000 | 768 |
| Average earning assets | $782,000,000 | 771 |
| Average equity | $101,081,330 | 683 |
| Average total loans | $552,646,000 | 780 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 4,695 |
| Cost of funding earning assets | 0.6722% | 6,288 |
| Net interest margin | 3.9890% | 2,730 |
| Noninterest income to average assets | 0.5023% | 3,865 |
| Noninterest expense to average assets | 2.9013% | 4,054 |
| Loan and lease loss provision to assets | 0.7768% | 1,098 |
| Net operating income to assets | 0.3259% | 5,288 |
| Return on assets (ROA) | 0.3316% | 5,340 |
| Pretax return on assets | 0.4512% | 5,184 |
| Return on Equity (ROE) | 2.8638% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.8638% | 4,445 |
| Net charge-offs to loans | 0.7276% | 1,761 |
| Credit loss provision to net charge-offs | 166.9990% | 1,723 |
| Earnings coverage of net charge-offs (x) | 2.6231% | 3,031 |
| Efficiency ratio | 69.1009% | 4,452 |
| Assets per employee ($millions) | 6.9080% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9295% | 2,598 |
| Loan loss allowance to noncurrent loans | 67.0009% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.9949% | 3,325 |
| Noncurrent loans to loans | 2.8798% | 2,610 |
| Net loans and leases to total assets | 62.4361% | 3,769 |
| Net loans and leases to deposits | 75.2464% | 3,545 |
| Net loans and leases to core deposits | 80.1480% | 3,733 |
| Total domestic deposits to total assets | 82.9756% | 4,941 |
| Equity capital to assets | 11.5239% | 2,244 |
| Core capital (leverage) ratio | 8.8634% | 4,833 |
| Tier 1 risk-based capital ratio | 12.5259% | 5,240 |
| Total risk-based capital ratio | 13.7829% | 5,211 |
| Memoranda: | ||
| Average total assets | $862,500,500 | 774 |
| Average earning assets | $782,550,000 | 774 |
| Average equity | $99,867,000 | 682 |
| Average total loans | $551,415,000 | 790 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 4,721 |
| Cost of funding earning assets | 0.8768% | 6,257 |
| Net interest margin | 4.0882% | 2,625 |
| Noninterest income to average assets | 0.5649% | 3,711 |
| Noninterest expense to average assets | 2.8216% | 4,518 |
| Loan and lease loss provision to assets | 0.5566% | 2,905 |
| Net operating income to assets | 0.6120% | 3,619 |
| Return on assets (ROA) | 0.6159% | 3,772 |
| Pretax return on assets | 0.8969% | 3,302 |
| Return on Equity (ROE) | 5.4662% | 3,855 |
| Retained earnings to average equity (ytd only) | 4.9560% | 2,437 |
| Net charge-offs to loans | 0.5483% | 3,414 |
| Credit loss provision to net charge-offs | 156.5147% | 2,254 |
| Earnings coverage of net charge-offs (x) | 4.0708% | 3,084 |
| Efficiency ratio | 64.7941% | 5,199 |
| Assets per employee ($millions) | 6.8368% | 806 |
| Cash dividends to net income (ytd only)* | 9.3336% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8262% | 2,776 |
| Loan loss allowance to noncurrent loans | 58.5041% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.1148% | 3,197 |
| Noncurrent loans to loans | 3.1214% | 2,445 |
| Net loans and leases to total assets | 63.0323% | 4,062 |
| Net loans and leases to deposits | 82.5944% | 2,698 |
| Net loans and leases to core deposits | 87.9341% | 3,063 |
| Total domestic deposits to total assets | 76.3154% | 6,596 |
| Equity capital to assets | 11.6346% | 2,169 |
| Core capital (leverage) ratio | 8.6497% | 5,107 |
| Tier 1 risk-based capital ratio | 12.5968% | 4,940 |
| Total risk-based capital ratio | 13.8528% | 4,922 |
| Memoranda: | ||
| Average total assets | $869,776,800 | 777 |
| Average earning assets | $788,120,400 | 777 |
| Average equity | $98,002,000 | 687 |
| Average total loans | $564,065,000 | 798 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9874% | 4,882 |
| Cost of funding earning assets | 0.9178% | 6,319 |
| Net interest margin | 4.0696% | 2,765 |
| Noninterest income to average assets | 0.4821% | 4,318 |
| Noninterest expense to average assets | 2.7613% | 4,636 |
| Loan and lease loss provision to assets | 0.5470% | 2,761 |
| Net operating income to assets | 0.5973% | 3,889 |
| Return on assets (ROA) | 0.6026% | 4,027 |
| Pretax return on assets | 0.8707% | 3,660 |
| Return on Equity (ROE) | 5.3908% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.3908% | 2,710 |
| Net charge-offs to loans | 0.4308% | 3,572 |
| Credit loss provision to net charge-offs | 195.3134% | 1,827 |
| Earnings coverage of net charge-offs (x) | 5.0338% | 2,865 |
| Efficiency ratio | 64.8286% | 5,083 |
| Assets per employee ($millions) | 7.1425% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 2,829 |
| Loan loss allowance to noncurrent loans | 51.5295% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 2.2986% | 3,081 |
| Noncurrent loans to loans | 3.4668% | 2,296 |
| Net loans and leases to total assets | 61.2309% | 4,679 |
| Net loans and leases to deposits | 73.8496% | 4,541 |
| Net loans and leases to core deposits | 78.7848% | 4,702 |
| Total domestic deposits to total assets | 82.9129% | 4,627 |
| Equity capital to assets | 11.1312% | 2,829 |
| Core capital (leverage) ratio | 8.6866% | 5,208 |
| Tier 1 risk-based capital ratio | 12.0633% | 5,402 |
| Total risk-based capital ratio | 13.3195% | 5,369 |
| Memoranda: | ||
| Average total assets | $873,572,500 | 771 |
| Average earning assets | $791,862,000 | 768 |
| Average equity | $97,645,250 | 685 |
| Average total loans | $567,908,750 | 794 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0757% | 4,585 |
| Cost of funding earning assets | 0.9619% | 6,331 |
| Net interest margin | 4.1138% | 2,491 |
| Noninterest income to average assets | 0.4965% | 4,146 |
| Noninterest expense to average assets | 2.7998% | 4,479 |
| Loan and lease loss provision to assets | 0.3418% | 3,685 |
| Net operating income to assets | 0.7375% | 3,248 |
| Return on assets (ROA) | 0.7456% | 3,363 |
| Pretax return on assets | 1.1041% | 2,773 |
| Return on Equity (ROE) | 6.6610% | 3,459 |
| Retained earnings to average equity (ytd only) | 6.6610% | 1,988 |
| Net charge-offs to loans | 0.3553% | 3,576 |
| Credit loss provision to net charge-offs | 145.9033% | 2,713 |
| Earnings coverage of net charge-offs (x) | 6.1194% | 2,521 |
| Efficiency ratio | 64.7146% | 5,201 |
| Assets per employee ($millions) | 6.8514% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 3,691 |
| Loan loss allowance to noncurrent loans | 57.4377% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.8700% | 3,664 |
| Noncurrent loans to loans | 2.6890% | 2,962 |
| Net loans and leases to total assets | 64.0145% | 4,260 |
| Net loans and leases to deposits | 77.7607% | 4,029 |
| Net loans and leases to core deposits | 82.6997% | 4,319 |
| Total domestic deposits to total assets | 82.3225% | 4,857 |
| Equity capital to assets | 11.3945% | 2,526 |
| Core capital (leverage) ratio | 8.4905% | 5,426 |
| Tier 1 risk-based capital ratio | 11.9624% | 5,343 |
| Total risk-based capital ratio | 13.2151% | 5,310 |
| Memoranda: | ||
| Average total assets | $864,779,000 | 782 |
| Average earning assets | $785,548,670 | 778 |
| Average equity | $96,801,670 | 677 |
| Average total loans | $570,187,670 | 801 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0910% | 4,572 |
| Cost of funding earning assets | 1.0100% | 6,332 |
| Net interest margin | 4.0810% | 2,522 |
| Noninterest income to average assets | 0.5141% | 3,939 |
| Noninterest expense to average assets | 2.7857% | 4,539 |
| Loan and lease loss provision to assets | 0.3856% | 3,050 |
| Net operating income to assets | 0.7122% | 3,384 |
| Return on assets (ROA) | 0.7294% | 3,418 |
| Pretax return on assets | 1.0783% | 2,807 |
| Return on Equity (ROE) | 6.5754% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.5754% | 2,330 |
| Net charge-offs to loans | 0.4780% | 2,624 |
| Credit loss provision to net charge-offs | 121.4912% | 2,878 |
| Earnings coverage of net charge-offs (x) | 4.5322% | 2,612 |
| Efficiency ratio | 64.5101% | 5,389 |
| Assets per employee ($millions) | 7.1775% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 4,000 |
| Loan loss allowance to noncurrent loans | 74.6917% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.2927% | 4,594 |
| Noncurrent loans to loans | 1.9836% | 3,808 |
| Net loans and leases to total assets | 63.4203% | 4,444 |
| Net loans and leases to deposits | 76.3699% | 4,344 |
| Net loans and leases to core deposits | 80.8401% | 4,652 |
| Total domestic deposits to total assets | 83.0436% | 4,603 |
| Equity capital to assets | 10.9478% | 2,814 |
| Core capital (leverage) ratio | 8.3040% | 5,732 |
| Tier 1 risk-based capital ratio | 11.5717% | 5,606 |
| Total risk-based capital ratio | 12.8223% | 5,580 |
| Memoranda: | ||
| Average total assets | $862,107,000 | 797 |
| Average earning assets | $783,730,000 | 794 |
| Average equity | $95,629,500 | 691 |
| Average total loans | $572,410,000 | 818 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 4,894 |
| Cost of funding earning assets | 1.2811% | 6,373 |
| Net interest margin | 4.0782% | 2,542 |
| Noninterest income to average assets | 0.5042% | 4,374 |
| Noninterest expense to average assets | 2.7772% | 5,063 |
| Loan and lease loss provision to assets | 0.4304% | 4,246 |
| Net operating income to assets | 0.6665% | 3,074 |
| Return on assets (ROA) | 0.6829% | 3,063 |
| Pretax return on assets | 1.0114% | 2,552 |
| Return on Equity (ROE) | 6.6910% | 2,910 |
| Retained earnings to average equity (ytd only) | 5.7796% | 1,436 |
| Net charge-offs to loans | 0.2292% | 5,178 |
| Credit loss provision to net charge-offs | 283.7354% | 1,187 |
| Earnings coverage of net charge-offs (x) | 9.3432% | 1,817 |
| Efficiency ratio | 64.5493% | 5,668 |
| Assets per employee ($millions) | 6.8965% | 835 |
| Cash dividends to net income (ytd only)* | 13.6214% | 3,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 4,054 |
| Loan loss allowance to noncurrent loans | 68.5248% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.4349% | 4,262 |
| Noncurrent loans to loans | 2.0942% | 3,527 |
| Net loans and leases to total assets | 67.5356% | 3,811 |
| Net loans and leases to deposits | 83.3372% | 3,392 |
| Net loans and leases to core deposits | 96.7274% | 4,380 |
| Total domestic deposits to total assets | 81.0389% | 5,337 |
| Equity capital to assets | 11.2444% | 2,501 |
| Core capital (leverage) ratio | 8.1137% | 5,967 |
| Tier 1 risk-based capital ratio | 11.3642% | 5,548 |
| Total risk-based capital ratio | 12.6160% | 5,499 |
| Memoranda: | ||
| Average total assets | $847,067,200 | 797 |
| Average earning assets | $766,515,200 | 811 |
| Average equity | $86,459,200 | 737 |
| Average total loans | $560,532,000 | 857 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3219% | 5,316 |
| Cost of funding earning assets | 1.3148% | 6,508 |
| Net interest margin | 4.0071% | 2,782 |
| Noninterest income to average assets | 0.5028% | 4,459 |
| Noninterest expense to average assets | 2.7399% | 5,148 |
| Loan and lease loss provision to assets | 0.4709% | 3,551 |
| Net operating income to assets | 0.6217% | 3,530 |
| Return on assets (ROA) | 0.6240% | 3,572 |
| Pretax return on assets | 0.9189% | 3,169 |
| Return on Equity (ROE) | 6.2715% | 3,406 |
| Retained earnings to average equity (ytd only) | 5.0270% | 2,476 |
| Net charge-offs to loans | 0.2084% | 4,734 |
| Credit loss provision to net charge-offs | 344.4828% | 1,188 |
| Earnings coverage of net charge-offs (x) | 10.1402% | 1,999 |
| Efficiency ratio | 64.6660% | 5,622 |
| Assets per employee ($millions) | 6.9442% | 807 |
| Cash dividends to net income (ytd only)* | 19.8439% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 3,859 |
| Loan loss allowance to noncurrent loans | 81.3709% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.1288% | 4,819 |
| Noncurrent loans to loans | 1.7404% | 4,022 |
| Net loans and leases to total assets | 63.9443% | 4,883 |
| Net loans and leases to deposits | 76.8537% | 4,918 |
| Net loans and leases to core deposits | 88.2130% | 5,621 |
| Total domestic deposits to total assets | 83.2026% | 4,116 |
| Equity capital to assets | 10.0457% | 4,032 |
| Core capital (leverage) ratio | 7.4442% | 7,039 |
| Tier 1 risk-based capital ratio | 10.0982% | 6,884 |
| Total risk-based capital ratio | 11.3411% | 6,837 |
| Memoranda: | ||
| Average total assets | $848,489,750 | 813 |
| Average earning assets | $767,223,250 | 814 |
| Average equity | $84,422,000 | 767 |
| Average total loans | $556,539,500 | 875 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3757% | 5,274 |
| Cost of funding earning assets | 1.3550% | 6,632 |
| Net interest margin | 4.0208% | 2,610 |
| Noninterest income to average assets | 0.4869% | 4,565 |
| Noninterest expense to average assets | 2.7821% | 5,038 |
| Loan and lease loss provision to assets | 0.5078% | 2,998 |
| Net operating income to assets | 0.5700% | 3,809 |
| Return on assets (ROA) | 0.5693% | 3,923 |
| Pretax return on assets | 0.8384% | 3,542 |
| Return on Equity (ROE) | 5.7408% | 3,769 |
| Retained earnings to average equity (ytd only) | 3.8480% | 3,150 |
| Net charge-offs to loans | 0.2756% | 3,818 |
| Credit loss provision to net charge-offs | 279.7900% | 1,671 |
| Earnings coverage of net charge-offs (x) | 7.4213% | 2,444 |
| Efficiency ratio | 65.5322% | 5,624 |
| Assets per employee ($millions) | 6.6147% | 922 |
| Cash dividends to net income (ytd only)* | 32.9707% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 4,238 |
| Loan loss allowance to noncurrent loans | 88.1370% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 4,985 |
| Noncurrent loans to loans | 1.4815% | 4,272 |
| Net loans and leases to total assets | 66.0288% | 4,559 |
| Net loans and leases to deposits | 79.6318% | 4,593 |
| Net loans and leases to core deposits | 90.8493% | 5,468 |
| Total domestic deposits to total assets | 82.9176% | 4,283 |
| Equity capital to assets | 10.0721% | 3,845 |
| Core capital (leverage) ratio | 7.1349% | 7,424 |
| Tier 1 risk-based capital ratio | 9.9485% | 6,988 |
| Total risk-based capital ratio | 11.1674% | 6,948 |
| Memoranda: | ||
| Average total assets | $839,663,670 | 839 |
| Average earning assets | $760,604,000 | 840 |
| Average equity | $83,263,670 | 789 |
| Average total loans | $552,876,330 | 906 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3714% | 5,568 |
| Cost of funding earning assets | 1.3963% | 6,746 |
| Net interest margin | 3.9751% | 2,757 |
| Noninterest income to average assets | 0.5055% | 4,278 |
| Noninterest expense to average assets | 2.7101% | 4,952 |
| Loan and lease loss provision to assets | 0.5154% | 2,406 |
| Net operating income to assets | 0.6080% | 3,980 |
| Return on assets (ROA) | 0.6075% | 4,178 |
| Pretax return on assets | 0.8790% | 3,797 |
| Return on Equity (ROE) | 6.1744% | 3,968 |
| Retained earnings to average equity (ytd only) | 4.0037% | 3,674 |
| Net charge-offs to loans | 0.2347% | 3,234 |
| Credit loss provision to net charge-offs | 336.2229% | 1,478 |
| Earnings coverage of net charge-offs (x) | 9.0991% | 2,107 |
| Efficiency ratio | 64.0768% | 5,675 |
| Assets per employee ($millions) | 6.8597% | 826 |
| Cash dividends to net income (ytd only)* | 35.1563% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 4,675 |
| Loan loss allowance to noncurrent loans | 98.1759% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 5,177 |
| Noncurrent loans to loans | 1.2415% | 4,484 |
| Net loans and leases to total assets | 63.5870% | 5,057 |
| Net loans and leases to deposits | 76.2997% | 5,178 |
| Net loans and leases to core deposits | 82.5264% | 6,189 |
| Total domestic deposits to total assets | 83.3384% | 3,985 |
| Equity capital to assets | 9.8583% | 4,173 |
| Core capital (leverage) ratio | 7.0188% | 7,622 |
| Tier 1 risk-based capital ratio | 9.6914% | 7,264 |
| Total risk-based capital ratio | 10.8281% | 7,293 |
| Memoranda: | ||
| Average total assets | $842,769,500 | 837 |
| Average earning assets | $763,156,000 | 837 |
| Average equity | $82,922,500 | 796 |
| Average total loans | $550,515,000 | 915 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9032% | 6,020 |
| Cost of funding earning assets | 1.8425% | 6,888 |
| Net interest margin | 4.0607% | 2,869 |
| Noninterest income to average assets | 0.6686% | 3,346 |
| Noninterest expense to average assets | 3.0670% | 3,832 |
| Loan and lease loss provision to assets | 0.3447% | 3,639 |
| Net operating income to assets | 0.6325% | 4,179 |
| Return on assets (ROA) | 0.6367% | 4,010 |
| Pretax return on assets | 0.9209% | 3,656 |
| Return on Equity (ROE) | 6.6174% | 3,705 |
| Retained earnings to average equity (ytd only) | -0.1023% | 5,299 |
| Net charge-offs to loans | 0.2462% | 3,808 |
| Credit loss provision to net charge-offs | 208.5333% | 2,318 |
| Earnings coverage of net charge-offs (x) | 7.6196% | 3,065 |
| Efficiency ratio | 69.0542% | 4,519 |
| Assets per employee ($millions) | 7.8031% | 491 |
| Cash dividends to net income (ytd only)* | 101.5463% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 5,498 |
| Loan loss allowance to noncurrent loans | 82.3030% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 4,698 |
| Noncurrent loans to loans | 1.2976% | 3,916 |
| Net loans and leases to total assets | 65.5826% | 4,935 |
| Net loans and leases to deposits | 83.0386% | 4,572 |
| Net loans and leases to core deposits | 95.0999% | 5,338 |
| Total domestic deposits to total assets | 78.9784% | 5,384 |
| Equity capital to assets | 9.8199% | 4,264 |
| Core capital (leverage) ratio | 7.1098% | 7,607 |
| Tier 1 risk-based capital ratio | 9.6041% | 7,206 |
| Total risk-based capital ratio | 10.6188% | 7,369 |
| Memoranda: | ||
| Average total assets | $680,566,800 | 975 |
| Average earning assets | $613,075,600 | 986 |
| Average equity | $65,478,600 | 1,022 |
| Average total loans | $456,937,000 | 1,057 |