Home > MVB Bank, Inc > Performance and Condition Ratios
MVB Bank, Inc, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2385% | 467 |
| Cost of funding earning assets | 2.0543% | 843 |
| Net interest margin | 4.1842% | 958 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 3.0725% | 1,005 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 1.0708% | 2,010 |
| Return on assets (ROA) | 1.3000% | 1,406 |
| Pretax return on assets | 1.5843% | 1,264 |
| Return on Equity (ROE) | 14.3000% | 1,428 |
| Retained earnings to average equity (ytd only) | 10.3693% | 931 |
| Net charge-offs to loans | 0.3979% | 261 |
| Credit loss provision to net charge-offs | -14.1689% | 4,426 |
| Earnings coverage of net charge-offs (x) | 4.6520% | 2,574 |
| Efficiency ratio | 70.0006% | 1,876 |
| Assets per employee ($millions) | 9.2470% | 901 |
| Cash dividends to net income (ytd only)* | 27.4831% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 3,516 |
| Loan loss allowance to noncurrent loans | 267.6182% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 1,834 |
| Noncurrent loans to loans | 0.3566% | 1,916 |
| Net loans and leases to total assets | 70.1400% | 1,796 |
| Net loans and leases to deposits | 78.8915% | 2,202 |
| Net loans and leases to core deposits | 93.8426% | 1,782 |
| Total domestic deposits to total assets | 88.9100% | 1,095 |
| Equity capital to assets | 9.7584% | 2,155 |
| Core capital (leverage) ratio | 10.5492% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $3,304,658,600 | 363 |
| Average earning assets | $3,046,560,600 | 356 |
| Average equity | $300,444,400 | 398 |
| Average total loans | $2,335,848,600 | 361 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0863% | 402 |
| Cost of funding earning assets | 1.8210% | 712 |
| Net interest margin | 4.2652% | 845 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.9934% | 1,055 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0766% | 2,189 |
| Return on assets (ROA) | 1.5089% | 1,084 |
| Pretax return on assets | 1.7424% | 1,128 |
| Return on Equity (ROE) | 16.8900% | 1,117 |
| Retained earnings to average equity (ytd only) | 14.7922% | 582 |
| Net charge-offs to loans | 0.2466% | 335 |
| Credit loss provision to net charge-offs | 16.1113% | 1,780 |
| Earnings coverage of net charge-offs (x) | 7.6716% | 2,077 |
| Efficiency ratio | 68.5534% | 1,915 |
| Assets per employee ($millions) | 10.3005% | 614 |
| Cash dividends to net income (ytd only)* | 12.4359% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 1,909 |
| Loan loss allowance to noncurrent loans | 221.9991% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 1,209 |
| Noncurrent loans to loans | 0.5883% | 1,277 |
| Net loans and leases to total assets | 69.0200% | 1,854 |
| Net loans and leases to deposits | 76.9812% | 2,218 |
| Net loans and leases to core deposits | 97.6339% | 1,370 |
| Total domestic deposits to total assets | 89.6500% | 1,034 |
| Equity capital to assets | 9.1486% | 2,414 |
| Core capital (leverage) ratio | 10.0179% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,283,921,333 | 359 |
| Average earning assets | $3,022,246,000 | 354 |
| Average equity | $293,316,667 | 393 |
| Average total loans | $2,360,994,667 | 348 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9662% | 323 |
| Cost of funding earning assets | 1.4744% | 886 |
| Net interest margin | 4.4918% | 591 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.8067% | 1,416 |
| Loan and lease loss provision to assets | 0.5600% | 129 |
| Net operating income to assets | 0.9060% | 2,837 |
| Return on assets (ROA) | 1.8132% | 643 |
| Pretax return on assets | 1.9855% | 800 |
| Return on Equity (ROE) | 20.5500% | 702 |
| Retained earnings to average equity (ytd only) | 20.5539% | 346 |
| Net charge-offs to loans | 0.2816% | 277 |
| Credit loss provision to net charge-offs | 265.6530% | 733 |
| Earnings coverage of net charge-offs (x) | 8.1896% | 1,731 |
| Efficiency ratio | 62.1996% | 2,659 |
| Assets per employee ($millions) | 9.6040% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 1,296 |
| Loan loss allowance to noncurrent loans | 271.4024% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 1,292 |
| Noncurrent loans to loans | 0.5495% | 1,348 |
| Net loans and leases to total assets | 66.9100% | 1,954 |
| Net loans and leases to deposits | 74.0483% | 2,293 |
| Net loans and leases to core deposits | 91.1025% | 1,557 |
| Total domestic deposits to total assets | 90.3600% | 1,024 |
| Equity capital to assets | 8.5428% | 2,856 |
| Core capital (leverage) ratio | 10.0186% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,267,509,000 | 370 |
| Average earning assets | $3,004,329,500 | 367 |
| Average equity | $288,257,000 | 406 |
| Average total loans | $2,381,794,000 | 359 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 564 |
| Cost of funding earning assets | 0.4071% | 2,036 |
| Net interest margin | 4.2397% | 487 |
| Noninterest income to average assets | 1.3200% | 401 |
| Noninterest expense to average assets | 3.4919% | 494 |
| Loan and lease loss provision to assets | 0.4800% | 126 |
| Net operating income to assets | 0.9694% | 2,677 |
| Return on assets (ROA) | 0.9690% | 2,623 |
| Pretax return on assets | 1.2253% | 2,356 |
| Return on Equity (ROE) | 9.4900% | 2,974 |
| Retained earnings to average equity (ytd only) | -3.8153% | 4,544 |
| Net charge-offs to loans | 0.3964% | 190 |
| Credit loss provision to net charge-offs | 164.6063% | 1,238 |
| Earnings coverage of net charge-offs (x) | 5.8802% | 2,355 |
| Efficiency ratio | 66.6738% | 2,124 |
| Assets per employee ($millions) | 7.9308% | 1,358 |
| Cash dividends to net income (ytd only)* | 140.1880% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,387 |
| Loan loss allowance to noncurrent loans | 213.4975% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 1,257 |
| Noncurrent loans to loans | 0.4686% | 1,529 |
| Net loans and leases to total assets | 77.8600% | 808 |
| Net loans and leases to deposits | 90.6647% | 1,000 |
| Net loans and leases to core deposits | 100.0296% | 1,002 |
| Total domestic deposits to total assets | 85.8700% | 2,767 |
| Equity capital to assets | 9.1449% | 2,269 |
| Core capital (leverage) ratio | 9.8274% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,964,005,200 | 397 |
| Average earning assets | $2,710,939,000 | 394 |
| Average equity | $302,521,200 | 388 |
| Average total loans | $2,175,547,200 | 356 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 871 |
| Cost of funding earning assets | 0.2308% | 2,920 |
| Net interest margin | 3.9793% | 667 |
| Noninterest income to average assets | 1.4300% | 373 |
| Noninterest expense to average assets | 3.5316% | 474 |
| Loan and lease loss provision to assets | 0.5200% | 98 |
| Net operating income to assets | 0.8141% | 3,195 |
| Return on assets (ROA) | 0.8573% | 3,016 |
| Pretax return on assets | 1.0693% | 2,813 |
| Return on Equity (ROE) | 8.1800% | 3,272 |
| Retained earnings to average equity (ytd only) | 5.0658% | 3,078 |
| Net charge-offs to loans | 0.2041% | 324 |
| Credit loss provision to net charge-offs | 353.7373% | 744 |
| Earnings coverage of net charge-offs (x) | 10.4808% | 1,982 |
| Efficiency ratio | 69.1625% | 1,870 |
| Assets per employee ($millions) | 6.9979% | 1,942 |
| Cash dividends to net income (ytd only)* | 38.0817% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,176 |
| Loan loss allowance to noncurrent loans | 118.6353% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 675 |
| Noncurrent loans to loans | 0.8971% | 872 |
| Net loans and leases to total assets | 78.6200% | 652 |
| Net loans and leases to deposits | 90.8748% | 832 |
| Net loans and leases to core deposits | 96.9072% | 957 |
| Total domestic deposits to total assets | 86.5200% | 2,916 |
| Equity capital to assets | 9.4971% | 1,887 |
| Core capital (leverage) ratio | 11.0941% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,947,615,250 | 398 |
| Average earning assets | $2,697,616,250 | 395 |
| Average equity | $308,889,000 | 385 |
| Average total loans | $2,123,798,500 | 361 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 1,123 |
| Cost of funding earning assets | 0.1020% | 4,170 |
| Net interest margin | 3.7913% | 767 |
| Noninterest income to average assets | 1.6082% | 304 |
| Noninterest expense to average assets | 3.5813% | 402 |
| Loan and lease loss provision to assets | 0.4423% | 120 |
| Net operating income to assets | 0.8168% | 2,894 |
| Return on assets (ROA) | 0.8748% | 2,662 |
| Pretax return on assets | 1.1138% | 2,355 |
| Return on Equity (ROE) | 8.0734% | 2,997 |
| Retained earnings to average equity (ytd only) | 5.1292% | 2,658 |
| Net charge-offs to loans | 0.1911% | 339 |
| Credit loss provision to net charge-offs | 333.6820% | 757 |
| Earnings coverage of net charge-offs (x) | 11.2359% | 1,735 |
| Efficiency ratio | 70.1702% | 1,935 |
| Assets per employee ($millions) | 6.5607% | 2,271 |
| Cash dividends to net income (ytd only)* | 36.4688% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,513 |
| Loan loss allowance to noncurrent loans | 117.8233% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 782 |
| Noncurrent loans to loans | 0.8664% | 983 |
| Net loans and leases to total assets | 74.0034% | 920 |
| Net loans and leases to deposits | 83.7699% | 1,138 |
| Net loans and leases to core deposits | 87.1290% | 1,263 |
| Total domestic deposits to total assets | 88.3413% | 2,443 |
| Equity capital to assets | 10.2156% | 1,578 |
| Core capital (leverage) ratio | 11.6333% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,885,133,667 | 396 |
| Average earning assets | $2,634,724,000 | 402 |
| Average equity | $312,605,333 | 382 |
| Average total loans | $2,001,274,000 | 368 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5971% | 1,512 |
| Cost of funding earning assets | 0.1026% | 4,102 |
| Net interest margin | 3.4945% | 1,101 |
| Noninterest income to average assets | 1.5976% | 327 |
| Noninterest expense to average assets | 3.5921% | 390 |
| Loan and lease loss provision to assets | 0.1804% | 425 |
| Net operating income to assets | 0.7850% | 2,712 |
| Return on assets (ROA) | 0.8944% | 2,294 |
| Pretax return on assets | 1.1444% | 2,004 |
| Return on Equity (ROE) | 8.0147% | 2,688 |
| Retained earnings to average equity (ytd only) | 4.8578% | 2,646 |
| Net charge-offs to loans | 0.1563% | 378 |
| Credit loss provision to net charge-offs | 173.4417% | 820 |
| Earnings coverage of net charge-offs (x) | 11.4756% | 1,437 |
| Efficiency ratio | 74.5870% | 1,678 |
| Assets per employee ($millions) | 6.5187% | 2,366 |
| Cash dividends to net income (ytd only)* | 39.3887% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,781 |
| Loan loss allowance to noncurrent loans | 79.1416% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.8959% | 598 |
| Noncurrent loans to loans | 1.2462% | 702 |
| Net loans and leases to total assets | 65.3864% | 1,476 |
| Net loans and leases to deposits | 74.6415% | 1,550 |
| Net loans and leases to core deposits | 76.0890% | 1,778 |
| Total domestic deposits to total assets | 87.6006% | 2,706 |
| Equity capital to assets | 10.8053% | 1,436 |
| Core capital (leverage) ratio | 10.7738% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,838,420,500 | 409 |
| Average earning assets | $2,589,455,000 | 409 |
| Average equity | $316,769,500 | 383 |
| Average total loans | $1,888,426,000 | 381 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4788% | 2,723 |
| Cost of funding earning assets | 0.1695% | 3,778 |
| Net interest margin | 3.3093% | 2,294 |
| Noninterest income to average assets | 2.0107% | 317 |
| Noninterest expense to average assets | 3.2085% | 716 |
| Loan and lease loss provision to assets | -0.2363% | 4,741 |
| Net operating income to assets | 1.6502% | 707 |
| Return on assets (ROA) | 1.8216% | 508 |
| Pretax return on assets | 2.2725% | 359 |
| Return on Equity (ROE) | 16.7289% | 635 |
| Retained earnings to average equity (ytd only) | 13.9457% | 311 |
| Net charge-offs to loans | 0.0763% | 1,029 |
| Credit loss provision to net charge-offs | -481.5810% | 3,752 |
| Earnings coverage of net charge-offs (x) | 37.2149% | 1,474 |
| Efficiency ratio | 63.2198% | 2,679 |
| Assets per employee ($millions) | 6.6816% | 2,172 |
| Cash dividends to net income (ytd only)* | 16.6367% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 3,839 |
| Loan loss allowance to noncurrent loans | 80.1633% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 651 |
| Noncurrent loans to loans | 1.2186% | 790 |
| Net loans and leases to total assets | 66.4545% | 1,424 |
| Net loans and leases to deposits | 76.9704% | 1,492 |
| Net loans and leases to core deposits | 78.2040% | 1,740 |
| Total domestic deposits to total assets | 86.3377% | 2,786 |
| Equity capital to assets | 11.5391% | 1,489 |
| Core capital (leverage) ratio | 11.5655% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,655,648,000 | 416 |
| Average earning assets | $2,426,534,800 | 416 |
| Average equity | $289,170,600 | 406 |
| Average total loans | $1,707,017,600 | 408 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4183% | 3,052 |
| Cost of funding earning assets | 0.1832% | 3,777 |
| Net interest margin | 3.2352% | 2,623 |
| Noninterest income to average assets | 2.1785% | 301 |
| Noninterest expense to average assets | 3.0843% | 842 |
| Loan and lease loss provision to assets | -0.0276% | 4,383 |
| Net operating income to assets | 1.6658% | 889 |
| Return on assets (ROA) | 1.8612% | 618 |
| Pretax return on assets | 2.3134% | 456 |
| Return on Equity (ROE) | 17.3679% | 711 |
| Retained earnings to average equity (ytd only) | 14.9416% | 408 |
| Net charge-offs to loans | 0.0092% | 1,978 |
| Credit loss provision to net charge-offs | -471.3043% | 3,634 |
| Earnings coverage of net charge-offs (x) | 349.8348% | 399 |
| Efficiency ratio | 59.6537% | 3,035 |
| Assets per employee ($millions) | 7.8536% | 1,338 |
| Cash dividends to net income (ytd only)* | 13.9697% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 1,905 |
| Loan loss allowance to noncurrent loans | 144.3050% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 964 |
| Noncurrent loans to loans | 0.9894% | 1,162 |
| Net loans and leases to total assets | 62.5499% | 1,934 |
| Net loans and leases to deposits | 71.6718% | 2,085 |
| Net loans and leases to core deposits | 72.6016% | 2,363 |
| Total domestic deposits to total assets | 87.2726% | 2,230 |
| Equity capital to assets | 10.9763% | 2,035 |
| Core capital (leverage) ratio | 12.0398% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,623,003,500 | 425 |
| Average earning assets | $2,392,486,750 | 423 |
| Average equity | $281,086,750 | 415 |
| Average total loans | $1,666,312,500 | 427 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 3,117 |
| Cost of funding earning assets | 0.2036% | 3,714 |
| Net interest margin | 3.2159% | 2,709 |
| Noninterest income to average assets | 1.8353% | 375 |
| Noninterest expense to average assets | 3.0078% | 972 |
| Loan and lease loss provision to assets | -0.0717% | 4,568 |
| Net operating income to assets | 1.4863% | 1,332 |
| Return on assets (ROA) | 1.7119% | 905 |
| Pretax return on assets | 2.1010% | 683 |
| Return on Equity (ROE) | 16.1158% | 936 |
| Retained earnings to average equity (ytd only) | 13.5955% | 617 |
| Net charge-offs to loans | 0.0049% | 1,968 |
| Credit loss provision to net charge-offs | -2,305.0000% | 3,860 |
| Earnings coverage of net charge-offs (x) | 563.2250% | 236 |
| Efficiency ratio | 62.6773% | 2,632 |
| Assets per employee ($millions) | 7.6373% | 1,400 |
| Cash dividends to net income (ytd only)* | 15.6388% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 1,886 |
| Loan loss allowance to noncurrent loans | 116.2113% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.9361% | 821 |
| Noncurrent loans to loans | 1.2222% | 986 |
| Net loans and leases to total assets | 62.9881% | 2,067 |
| Net loans and leases to deposits | 71.9149% | 2,213 |
| Net loans and leases to core deposits | 74.9298% | 2,339 |
| Total domestic deposits to total assets | 87.5870% | 2,046 |
| Equity capital to assets | 10.2995% | 2,577 |
| Core capital (leverage) ratio | 11.0122% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,570,612,000 | 427 |
| Average earning assets | $2,338,324,333 | 426 |
| Average equity | $273,061,667 | 421 |
| Average total loans | $1,633,688,000 | 438 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3843% | 3,245 |
| Cost of funding earning assets | 0.1932% | 3,978 |
| Net interest margin | 3.1911% | 2,730 |
| Noninterest income to average assets | 1.7362% | 473 |
| Noninterest expense to average assets | 2.6583% | 1,718 |
| Loan and lease loss provision to assets | 0.0995% | 1,357 |
| Net operating income to assets | 1.4938% | 1,348 |
| Return on assets (ROA) | 1.7025% | 981 |
| Pretax return on assets | 2.1392% | 756 |
| Return on Equity (ROE) | 15.7632% | 1,070 |
| Retained earnings to average equity (ytd only) | 14.0165% | 755 |
| Net charge-offs to loans | 0.0630% | 906 |
| Credit loss provision to net charge-offs | 249.1935% | 823 |
| Earnings coverage of net charge-offs (x) | 49.5726% | 906 |
| Efficiency ratio | 56.7913% | 3,456 |
| Assets per employee ($millions) | 8.4149% | 1,025 |
| Cash dividends to net income (ytd only)* | 11.0806% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 1,434 |
| Loan loss allowance to noncurrent loans | 152.5134% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 1,051 |
| Noncurrent loans to loans | 1.0144% | 1,317 |
| Net loans and leases to total assets | 63.1337% | 2,155 |
| Net loans and leases to deposits | 75.0822% | 2,013 |
| Net loans and leases to core deposits | 76.3552% | 2,317 |
| Total domestic deposits to total assets | 84.0861% | 3,406 |
| Equity capital to assets | 10.2607% | 2,471 |
| Core capital (leverage) ratio | 11.2892% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,485,031,500 | 434 |
| Average earning assets | $2,259,145,500 | 431 |
| Average equity | $268,397,500 | 419 |
| Average total loans | $1,574,595,500 | 459 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 2,350 |
| Cost of funding earning assets | 0.6571% | 1,948 |
| Net interest margin | 3.4685% | 2,566 |
| Noninterest income to average assets | 4.2455% | 132 |
| Noninterest expense to average assets | 4.0429% | 369 |
| Loan and lease loss provision to assets | 0.7688% | 171 |
| Net operating income to assets | 2.0640% | 233 |
| Return on assets (ROA) | 2.1074% | 232 |
| Pretax return on assets | 2.6460% | 161 |
| Return on Equity (ROE) | 19.8822% | 237 |
| Retained earnings to average equity (ytd only) | 13.0450% | 239 |
| Net charge-offs to loans | 0.1388% | 1,163 |
| Credit loss provision to net charge-offs | 768.9703% | 936 |
| Earnings coverage of net charge-offs (x) | 33.6118% | 1,514 |
| Efficiency ratio | 54.2089% | 4,192 |
| Assets per employee ($millions) | 8.1107% | 999 |
| Cash dividends to net income (ytd only)* | 34.3888% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 890 |
| Loan loss allowance to noncurrent loans | 125.9884% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 802 |
| Noncurrent loans to loans | 1.4100% | 961 |
| Net loans and leases to total assets | 61.3874% | 2,675 |
| Net loans and leases to deposits | 71.5212% | 2,731 |
| Net loans and leases to core deposits | 72.8797% | 3,008 |
| Total domestic deposits to total assets | 85.8310% | 2,440 |
| Equity capital to assets | 11.4134% | 1,951 |
| Core capital (leverage) ratio | 11.0252% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8128% | 1,595 |
| Memoranda: | ||
| Average total assets | $2,156,398,800 | 449 |
| Average earning assets | $1,963,360,600 | 451 |
| Average equity | $228,571,200 | 453 |
| Average total loans | $1,553,517,600 | 434 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 2,271 |
| Cost of funding earning assets | 0.7151% | 1,931 |
| Net interest margin | 3.5274% | 2,494 |
| Noninterest income to average assets | 4.6827% | 117 |
| Noninterest expense to average assets | 4.3421% | 283 |
| Loan and lease loss provision to assets | 1.0323% | 126 |
| Net operating income to assets | 1.9199% | 355 |
| Return on assets (ROA) | 1.9711% | 348 |
| Pretax return on assets | 2.6040% | 181 |
| Return on Equity (ROE) | 18.9974% | 297 |
| Retained earnings to average equity (ytd only) | 11.8973% | 442 |
| Net charge-offs to loans | 0.1582% | 931 |
| Credit loss provision to net charge-offs | 873.7320% | 920 |
| Earnings coverage of net charge-offs (x) | 30.2269% | 1,575 |
| Efficiency ratio | 54.4832% | 4,101 |
| Assets per employee ($millions) | 7.7298% | 1,108 |
| Cash dividends to net income (ytd only)* | 37.3744% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8110% | 703 |
| Loan loss allowance to noncurrent loans | 174.0062% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 1,162 |
| Noncurrent loans to loans | 1.0408% | 1,436 |
| Net loans and leases to total assets | 63.5516% | 2,820 |
| Net loans and leases to deposits | 73.8468% | 2,972 |
| Net loans and leases to core deposits | 75.3029% | 3,222 |
| Total domestic deposits to total assets | 86.0587% | 2,039 |
| Equity capital to assets | 10.4611% | 2,826 |
| Core capital (leverage) ratio | 10.6437% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8850% | 1,539 |
| Memoranda: | ||
| Average total assets | $2,113,554,000 | 448 |
| Average earning assets | $1,935,838,250 | 450 |
| Average equity | $219,294,250 | 465 |
| Average total loans | $1,578,195,500 | 420 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4855% | 1,956 |
| Cost of funding earning assets | 0.8150% | 1,757 |
| Net interest margin | 3.6705% | 2,268 |
| Noninterest income to average assets | 5.2898% | 98 |
| Noninterest expense to average assets | 5.1086% | 180 |
| Loan and lease loss provision to assets | 0.7432% | 349 |
| Net operating income to assets | 2.1187% | 253 |
| Return on assets (ROA) | 2.1818% | 250 |
| Pretax return on assets | 2.8874% | 132 |
| Return on Equity (ROE) | 21.0893% | 196 |
| Retained earnings to average equity (ytd only) | 13.6579% | 296 |
| Net charge-offs to loans | 0.2172% | 714 |
| Credit loss provision to net charge-offs | 437.6910% | 1,330 |
| Earnings coverage of net charge-offs (x) | 20.9111% | 1,674 |
| Efficiency ratio | 58.6279% | 3,603 |
| Assets per employee ($millions) | 5.0250% | 3,146 |
| Cash dividends to net income (ytd only)* | 35.2376% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,461 |
| Loan loss allowance to noncurrent loans | 95.7784% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.2407% | 865 |
| Noncurrent loans to loans | 1.0666% | 1,454 |
| Net loans and leases to total assets | 77.7490% | 883 |
| Net loans and leases to deposits | 92.1139% | 1,145 |
| Net loans and leases to core deposits | 99.7672% | 1,272 |
| Total domestic deposits to total assets | 84.4052% | 2,596 |
| Equity capital to assets | 10.1897% | 3,030 |
| Core capital (leverage) ratio | 9.4977% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3315% | 2,472 |
| Memoranda: | ||
| Average total assets | $2,081,164,000 | 452 |
| Average earning assets | $1,910,581,333 | 446 |
| Average equity | $215,304,000 | 467 |
| Average total loans | $1,627,306,000 | 405 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 2,266 |
| Cost of funding earning assets | 0.9686% | 1,570 |
| Net interest margin | 3.5478% | 2,823 |
| Noninterest income to average assets | 2.0245% | 267 |
| Noninterest expense to average assets | 4.4719% | 314 |
| Loan and lease loss provision to assets | 0.2258% | 1,375 |
| Net operating income to assets | 0.4720% | 3,965 |
| Return on assets (ROA) | 0.5158% | 3,914 |
| Pretax return on assets | 0.6473% | 3,818 |
| Return on Equity (ROE) | 4.9451% | 3,652 |
| Retained earnings to average equity (ytd only) | -1.7118% | 4,223 |
| Net charge-offs to loans | 0.4456% | 326 |
| Credit loss provision to net charge-offs | 64.9543% | 1,994 |
| Earnings coverage of net charge-offs (x) | 2.3545% | 2,296 |
| Efficiency ratio | 83.8708% | 837 |
| Assets per employee ($millions) | 5.0668% | 2,574 |
| Cash dividends to net income (ytd only)* | 134.6154% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6898% | 4,625 |
| Loan loss allowance to noncurrent loans | 188.8814% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 3,084 |
| Noncurrent loans to loans | 0.3652% | 3,184 |
| Net loans and leases to total assets | 76.7826% | 1,172 |
| Net loans and leases to deposits | 89.9399% | 1,519 |
| Net loans and leases to core deposits | 101.1242% | 1,391 |
| Total domestic deposits to total assets | 85.3710% | 2,261 |
| Equity capital to assets | 10.0101% | 3,773 |
| Core capital (leverage) ratio | 9.8259% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0434% | 3,085 |
| Memoranda: | ||
| Average total assets | $2,016,253,000 | 448 |
| Average earning assets | $1,855,922,500 | 441 |
| Average equity | $210,309,500 | 472 |
| Average total loans | $1,572,578,500 | 407 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 1,857 |
| Cost of funding earning assets | 1.2988% | 770 |
| Net interest margin | 3.5676% | 3,234 |
| Noninterest income to average assets | 2.7142% | 177 |
| Noninterest expense to average assets | 4.3136% | 372 |
| Loan and lease loss provision to assets | 0.0966% | 2,106 |
| Net operating income to assets | 1.1902% | 2,093 |
| Return on assets (ROA) | 1.7654% | 604 |
| Pretax return on assets | 2.3230% | 293 |
| Return on Equity (ROE) | 16.2538% | 509 |
| Retained earnings to average equity (ytd only) | 9.0474% | 695 |
| Net charge-offs to loans | 0.0652% | 2,164 |
| Credit loss provision to net charge-offs | 187.7230% | 1,406 |
| Earnings coverage of net charge-offs (x) | 32.8793% | 1,489 |
| Efficiency ratio | 71.5629% | 1,937 |
| Assets per employee ($millions) | 4.9741% | 2,641 |
| Cash dividends to net income (ytd only)* | 44.3364% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 4,390 |
| Loan loss allowance to noncurrent loans | 229.8458% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 3,073 |
| Noncurrent loans to loans | 0.3354% | 3,243 |
| Net loans and leases to total assets | 78.1207% | 1,063 |
| Net loans and leases to deposits | 104.2011% | 370 |
| Net loans and leases to core deposits | 110.1005% | 847 |
| Total domestic deposits to total assets | 74.9711% | 4,707 |
| Equity capital to assets | 10.8844% | 3,103 |
| Core capital (leverage) ratio | 9.9428% | 3,578 |
| Tier 1 risk-based capital ratio | 12.0532% | 4,336 |
| Total risk-based capital ratio | 12.8366% | 4,465 |
| Memoranda: | ||
| Average total assets | $1,852,317,200 | 455 |
| Average earning assets | $1,708,693,200 | 454 |
| Average equity | $201,183,800 | 474 |
| Average total loans | $1,460,703,000 | 415 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 1,914 |
| Cost of funding earning assets | 1.3319% | 716 |
| Net interest margin | 3.5387% | 3,442 |
| Noninterest income to average assets | 2.6032% | 189 |
| Noninterest expense to average assets | 4.1351% | 453 |
| Loan and lease loss provision to assets | 0.1134% | 1,716 |
| Net operating income to assets | 1.2026% | 2,183 |
| Return on assets (ROA) | 1.9779% | 436 |
| Pretax return on assets | 2.6003% | 207 |
| Return on Equity (ROE) | 18.2213% | 375 |
| Retained earnings to average equity (ytd only) | 8.4926% | 1,207 |
| Net charge-offs to loans | 0.0574% | 2,008 |
| Credit loss provision to net charge-offs | 250.3215% | 1,091 |
| Earnings coverage of net charge-offs (x) | 38.2348% | 1,413 |
| Efficiency ratio | 70.3253% | 2,068 |
| Assets per employee ($millions) | 5.2221% | 2,311 |
| Cash dividends to net income (ytd only)* | 53.3918% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 4,492 |
| Loan loss allowance to noncurrent loans | 211.0183% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 3,076 |
| Noncurrent loans to loans | 0.3648% | 3,243 |
| Net loans and leases to total assets | 78.1535% | 1,112 |
| Net loans and leases to deposits | 104.9148% | 362 |
| Net loans and leases to core deposits | 115.0344% | 698 |
| Total domestic deposits to total assets | 74.4923% | 4,780 |
| Equity capital to assets | 10.4520% | 3,586 |
| Core capital (leverage) ratio | 9.8784% | 3,758 |
| Tier 1 risk-based capital ratio | 11.8261% | 4,503 |
| Total risk-based capital ratio | 12.6223% | 4,630 |
| Memoranda: | ||
| Average total assets | $1,830,419,500 | 461 |
| Average earning assets | $1,688,410,000 | 461 |
| Average equity | $198,693,000 | 482 |
| Average total loans | $1,444,067,500 | 421 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9033% | 1,749 |
| Cost of funding earning assets | 1.3349% | 671 |
| Net interest margin | 3.5684% | 3,369 |
| Noninterest income to average assets | 2.3696% | 211 |
| Noninterest expense to average assets | 3.9606% | 564 |
| Loan and lease loss provision to assets | 0.1007% | 1,862 |
| Net operating income to assets | 1.1724% | 2,246 |
| Return on assets (ROA) | 2.3640% | 192 |
| Pretax return on assets | 3.1123% | 106 |
| Return on Equity (ROE) | 21.4868% | 185 |
| Retained earnings to average equity (ytd only) | 19.4532% | 67 |
| Net charge-offs to loans | 0.0951% | 1,410 |
| Credit loss provision to net charge-offs | 134.1282% | 1,625 |
| Earnings coverage of net charge-offs (x) | 22.7079% | 1,679 |
| Efficiency ratio | 69.8189% | 2,252 |
| Assets per employee ($millions) | 5.1087% | 2,350 |
| Cash dividends to net income (ytd only)* | 9.4643% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 4,538 |
| Loan loss allowance to noncurrent loans | 165.0118% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 2,733 |
| Noncurrent loans to loans | 0.4679% | 2,878 |
| Net loans and leases to total assets | 78.4851% | 1,128 |
| Net loans and leases to deposits | 104.0009% | 419 |
| Net loans and leases to core deposits | 110.8553% | 931 |
| Total domestic deposits to total assets | 75.4658% | 4,730 |
| Equity capital to assets | 11.5174% | 2,595 |
| Core capital (leverage) ratio | 10.7653% | 2,824 |
| Tier 1 risk-based capital ratio | 13.1800% | 3,745 |
| Total risk-based capital ratio | 13.9709% | 3,900 |
| Memoranda: | ||
| Average total assets | $1,787,800,330 | 471 |
| Average earning assets | $1,651,098,000 | 468 |
| Average equity | $196,697,670 | 478 |
| Average total loans | $1,411,311,330 | 427 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8517% | 1,764 |
| Cost of funding earning assets | 1.3134% | 637 |
| Net interest margin | 3.5383% | 3,468 |
| Noninterest income to average assets | 1.9325% | 258 |
| Noninterest expense to average assets | 3.8247% | 640 |
| Loan and lease loss provision to assets | 0.0679% | 2,312 |
| Net operating income to assets | 1.0368% | 2,715 |
| Return on assets (ROA) | 1.0265% | 2,795 |
| Pretax return on assets | 1.2981% | 2,462 |
| Return on Equity (ROE) | 9.5612% | 2,565 |
| Retained earnings to average equity (ytd only) | 9.5612% | 1,143 |
| Net charge-offs to loans | -0.0009% | 3,799 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3983% | 1,827 |
| Assets per employee ($millions) | 5.1339% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 4,527 |
| Loan loss allowance to noncurrent loans | 158.8975% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 2,570 |
| Noncurrent loans to loans | 0.5028% | 2,806 |
| Net loans and leases to total assets | 78.1329% | 1,125 |
| Net loans and leases to deposits | 97.4791% | 841 |
| Net loans and leases to core deposits | 110.4537% | 907 |
| Total domestic deposits to total assets | 80.1535% | 4,150 |
| Equity capital to assets | 10.7758% | 3,070 |
| Core capital (leverage) ratio | 10.3295% | 3,246 |
| Tier 1 risk-based capital ratio | 12.5483% | 4,136 |
| Total risk-based capital ratio | 13.3685% | 4,280 |
| Memoranda: | ||
| Average total assets | $1,767,247,000 | 480 |
| Average earning assets | $1,633,902,500 | 473 |
| Average equity | $189,725,000 | 487 |
| Average total loans | $1,393,673,000 | 432 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 2,100 |
| Cost of funding earning assets | 1.0461% | 619 |
| Net interest margin | 3.5691% | 3,487 |
| Noninterest income to average assets | 2.3123% | 220 |
| Noninterest expense to average assets | 4.1479% | 434 |
| Loan and lease loss provision to assets | 0.1479% | 1,441 |
| Net operating income to assets | 1.0244% | 2,908 |
| Return on assets (ROA) | 1.0581% | 2,753 |
| Pretax return on assets | 1.3577% | 2,283 |
| Return on Equity (ROE) | 9.7280% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.0562% | 1,207 |
| Net charge-offs to loans | 0.1071% | 1,676 |
| Credit loss provision to net charge-offs | 176.9398% | 1,593 |
| Earnings coverage of net charge-offs (x) | 17.5018% | 2,193 |
| Efficiency ratio | 73.8230% | 1,646 |
| Assets per employee ($millions) | 4.9236% | 2,587 |
| Cash dividends to net income (ytd only)* | 17.1851% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 4,559 |
| Loan loss allowance to noncurrent loans | 154.0053% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 2,478 |
| Noncurrent loans to loans | 0.5146% | 2,736 |
| Net loans and leases to total assets | 78.3367% | 1,217 |
| Net loans and leases to deposits | 104.2350% | 466 |
| Net loans and leases to core deposits | 118.4992% | 600 |
| Total domestic deposits to total assets | 75.1539% | 4,856 |
| Equity capital to assets | 10.6945% | 2,995 |
| Core capital (leverage) ratio | 10.2388% | 3,313 |
| Tier 1 risk-based capital ratio | 12.4730% | 4,153 |
| Total risk-based capital ratio | 13.2886% | 4,291 |
| Memoranda: | ||
| Average total assets | $1,649,789,400 | 495 |
| Average earning assets | $1,524,704,400 | 491 |
| Average equity | $179,451,400 | 492 |
| Average total loans | $1,287,079,600 | 451 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 2,326 |
| Cost of funding earning assets | 0.9860% | 630 |
| Net interest margin | 3.5088% | 3,668 |
| Noninterest income to average assets | 2.4271% | 214 |
| Noninterest expense to average assets | 4.1910% | 402 |
| Loan and lease loss provision to assets | 0.1762% | 1,041 |
| Net operating income to assets | 1.0166% | 3,019 |
| Return on assets (ROA) | 1.0591% | 2,838 |
| Pretax return on assets | 1.3533% | 2,411 |
| Return on Equity (ROE) | 9.6929% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.1913% | 1,563 |
| Net charge-offs to loans | 0.0619% | 1,939 |
| Credit loss provision to net charge-offs | 365.9284% | 865 |
| Earnings coverage of net charge-offs (x) | 30.6438% | 1,583 |
| Efficiency ratio | 73.8545% | 1,615 |
| Assets per employee ($millions) | 4.8779% | 2,622 |
| Cash dividends to net income (ytd only)* | 15.4919% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 4,494 |
| Loan loss allowance to noncurrent loans | 89.0472% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 1,740 |
| Noncurrent loans to loans | 0.9444% | 1,798 |
| Net loans and leases to total assets | 78.5507% | 1,241 |
| Net loans and leases to deposits | 97.5415% | 991 |
| Net loans and leases to core deposits | 108.6473% | 1,119 |
| Total domestic deposits to total assets | 80.5305% | 3,986 |
| Equity capital to assets | 10.5622% | 3,083 |
| Core capital (leverage) ratio | 10.3102% | 3,278 |
| Tier 1 risk-based capital ratio | 12.6786% | 4,093 |
| Total risk-based capital ratio | 13.5626% | 4,204 |
| Memoranda: | ||
| Average total assets | $1,625,265,750 | 497 |
| Average earning assets | $1,500,553,000 | 492 |
| Average equity | $177,582,250 | 490 |
| Average total loans | $1,263,806,250 | 453 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 2,470 |
| Cost of funding earning assets | 0.9221% | 664 |
| Net interest margin | 3.4632% | 3,756 |
| Noninterest income to average assets | 2.4790% | 210 |
| Noninterest expense to average assets | 4.2614% | 379 |
| Loan and lease loss provision to assets | 0.1353% | 1,453 |
| Net operating income to assets | 0.9953% | 3,040 |
| Return on assets (ROA) | 0.9983% | 3,029 |
| Pretax return on assets | 1.2787% | 2,595 |
| Return on Equity (ROE) | 9.0288% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.8945% | 1,670 |
| Net charge-offs to loans | 0.0497% | 1,894 |
| Credit loss provision to net charge-offs | 352.6144% | 899 |
| Earnings coverage of net charge-offs (x) | 36.7484% | 1,358 |
| Efficiency ratio | 75.0282% | 1,556 |
| Assets per employee ($millions) | 4.7194% | 2,797 |
| Cash dividends to net income (ytd only)* | 12.5628% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 4,658 |
| Loan loss allowance to noncurrent loans | 113.0799% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 2,240 |
| Noncurrent loans to loans | 0.7169% | 2,320 |
| Net loans and leases to total assets | 77.5683% | 1,384 |
| Net loans and leases to deposits | 108.7153% | 324 |
| Net loans and leases to core deposits | 113.6911% | 805 |
| Total domestic deposits to total assets | 71.3500% | 5,219 |
| Equity capital to assets | 10.6347% | 2,988 |
| Core capital (leverage) ratio | 10.4702% | 3,064 |
| Tier 1 risk-based capital ratio | 12.9365% | 3,924 |
| Total risk-based capital ratio | 13.7996% | 4,049 |
| Memoranda: | ||
| Average total assets | $1,594,682,670 | 509 |
| Average earning assets | $1,470,142,000 | 505 |
| Average equity | $176,324,670 | 491 |
| Average total loans | $1,231,686,330 | 468 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2393% | 2,746 |
| Cost of funding earning assets | 0.8473% | 776 |
| Net interest margin | 3.3920% | 3,907 |
| Noninterest income to average assets | 2.2789% | 226 |
| Noninterest expense to average assets | 4.0774% | 483 |
| Loan and lease loss provision to assets | 0.1222% | 1,546 |
| Net operating income to assets | 0.9442% | 3,094 |
| Return on assets (ROA) | 0.9562% | 3,063 |
| Pretax return on assets | 1.2219% | 2,672 |
| Return on Equity (ROE) | 8.4727% | 3,159 |
| Retained earnings to average equity (ytd only) | 8.4727% | 1,667 |
| Net charge-offs to loans | 0.0958% | 1,216 |
| Credit loss provision to net charge-offs | 166.3158% | 1,169 |
| Earnings coverage of net charge-offs (x) | 18.0912% | 1,547 |
| Efficiency ratio | 75.3051% | 1,702 |
| Assets per employee ($millions) | 4.4895% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 4,694 |
| Loan loss allowance to noncurrent loans | 110.6021% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 2,231 |
| Noncurrent loans to loans | 0.7532% | 2,321 |
| Net loans and leases to total assets | 76.0482% | 1,537 |
| Net loans and leases to deposits | 103.5064% | 507 |
| Net loans and leases to core deposits | 105.1222% | 1,304 |
| Total domestic deposits to total assets | 73.4719% | 5,196 |
| Equity capital to assets | 11.1306% | 2,451 |
| Core capital (leverage) ratio | 10.9167% | 2,525 |
| Tier 1 risk-based capital ratio | 13.2555% | 3,807 |
| Total risk-based capital ratio | 14.1109% | 3,923 |
| Memoranda: | ||
| Average total assets | $1,551,977,500 | 529 |
| Average earning assets | $1,430,885,500 | 522 |
| Average equity | $175,150,500 | 497 |
| Average total loans | $1,190,594,000 | 480 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 2,735 |
| Cost of funding earning assets | 0.7402% | 850 |
| Net interest margin | 3.4470% | 3,695 |
| Noninterest income to average assets | 2.8924% | 185 |
| Noninterest expense to average assets | 4.6829% | 270 |
| Loan and lease loss provision to assets | 0.1480% | 1,537 |
| Net operating income to assets | 0.7927% | 3,197 |
| Return on assets (ROA) | 0.8126% | 3,147 |
| Pretax return on assets | 1.2826% | 2,419 |
| Return on Equity (ROE) | 6.9894% | 3,282 |
| Retained earnings to average equity (ytd only) | 2.0104% | 4,111 |
| Net charge-offs to loans | 0.1196% | 1,851 |
| Credit loss provision to net charge-offs | 155.6590% | 1,721 |
| Earnings coverage of net charge-offs (x) | 14.7221% | 2,310 |
| Efficiency ratio | 76.8804% | 1,502 |
| Assets per employee ($millions) | 4.3413% | 3,430 |
| Cash dividends to net income (ytd only)* | 71.2370% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 4,690 |
| Loan loss allowance to noncurrent loans | 101.8456% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 2,164 |
| Noncurrent loans to loans | 0.8270% | 2,153 |
| Net loans and leases to total assets | 76.0967% | 1,574 |
| Net loans and leases to deposits | 99.9461% | 732 |
| Net loans and leases to core deposits | 104.4237% | 1,385 |
| Total domestic deposits to total assets | 76.1378% | 4,966 |
| Equity capital to assets | 11.4456% | 2,237 |
| Core capital (leverage) ratio | 10.8794% | 2,442 |
| Tier 1 risk-based capital ratio | 13.3436% | 3,721 |
| Total risk-based capital ratio | 14.2191% | 3,827 |
| Memoranda: | ||
| Average total assets | $1,468,455,600 | 530 |
| Average earning assets | $1,359,023,200 | 519 |
| Average equity | $170,716,400 | 492 |
| Average total loans | $1,167,641,000 | 468 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1326% | 2,865 |
| Cost of funding earning assets | 0.7154% | 902 |
| Net interest margin | 3.4172% | 3,784 |
| Noninterest income to average assets | 2.9496% | 185 |
| Noninterest expense to average assets | 4.7519% | 255 |
| Loan and lease loss provision to assets | 0.1043% | 2,025 |
| Net operating income to assets | 0.8359% | 3,353 |
| Return on assets (ROA) | 0.8634% | 3,260 |
| Pretax return on assets | 1.2999% | 2,495 |
| Return on Equity (ROE) | 7.3969% | 3,450 |
| Retained earnings to average equity (ytd only) | 1.5033% | 4,817 |
| Net charge-offs to loans | 0.0963% | 1,821 |
| Credit loss provision to net charge-offs | 135.0356% | 1,821 |
| Earnings coverage of net charge-offs (x) | 17.6401% | 2,093 |
| Efficiency ratio | 77.6063% | 1,383 |
| Assets per employee ($millions) | 4.1523% | 3,737 |
| Cash dividends to net income (ytd only)* | 79.6771% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 4,872 |
| Loan loss allowance to noncurrent loans | 143.2535% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 2,900 |
| Noncurrent loans to loans | 0.5637% | 3,009 |
| Net loans and leases to total assets | 78.7388% | 1,157 |
| Net loans and leases to deposits | 98.6906% | 849 |
| Net loans and leases to core deposits | 100.2159% | 1,689 |
| Total domestic deposits to total assets | 79.7835% | 4,366 |
| Equity capital to assets | 11.8421% | 2,081 |
| Core capital (leverage) ratio | 10.8560% | 2,591 |
| Tier 1 risk-based capital ratio | 13.6269% | 3,620 |
| Total risk-based capital ratio | 14.4869% | 3,775 |
| Memoranda: | ||
| Average total assets | $1,453,537,000 | 535 |
| Average earning assets | $1,346,130,500 | 525 |
| Average equity | $169,669,750 | 498 |
| Average total loans | $1,166,367,500 | 470 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 3,098 |
| Cost of funding earning assets | 0.6812% | 986 |
| Net interest margin | 3.3472% | 3,958 |
| Noninterest income to average assets | 2.8747% | 192 |
| Noninterest expense to average assets | 4.6541% | 275 |
| Loan and lease loss provision to assets | 0.1436% | 1,420 |
| Net operating income to assets | 0.7846% | 3,466 |
| Return on assets (ROA) | 0.8170% | 3,370 |
| Pretax return on assets | 1.2257% | 2,676 |
| Return on Equity (ROE) | 7.0334% | 3,536 |
| Retained earnings to average equity (ytd only) | -0.6878% | 5,184 |
| Net charge-offs to loans | 0.0675% | 1,960 |
| Credit loss provision to net charge-offs | 264.2132% | 1,044 |
| Earnings coverage of net charge-offs (x) | 24.2995% | 1,645 |
| Efficiency ratio | 77.7780% | 1,493 |
| Assets per employee ($millions) | 4.2789% | 3,471 |
| Cash dividends to net income (ytd only)* | 109.7788% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 4,937 |
| Loan loss allowance to noncurrent loans | 191.0623% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 3,455 |
| Noncurrent loans to loans | 0.4216% | 3,511 |
| Net loans and leases to total assets | 79.9290% | 970 |
| Net loans and leases to deposits | 108.6346% | 296 |
| Net loans and leases to core deposits | 110.6125% | 977 |
| Total domestic deposits to total assets | 73.5760% | 5,327 |
| Equity capital to assets | 11.3924% | 2,416 |
| Core capital (leverage) ratio | 11.0564% | 2,355 |
| Tier 1 risk-based capital ratio | 13.0791% | 3,955 |
| Total risk-based capital ratio | 13.9470% | 4,096 |
| Memoranda: | ||
| Average total assets | $1,449,460,000 | 537 |
| Average earning assets | $1,342,609,670 | 524 |
| Average equity | $168,367,000 | 501 |
| Average total loans | $1,167,315,330 | 471 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 3,096 |
| Cost of funding earning assets | 0.6698% | 981 |
| Net interest margin | 3.3152% | 3,954 |
| Noninterest income to average assets | 2.9600% | 198 |
| Noninterest expense to average assets | 4.8551% | 258 |
| Loan and lease loss provision to assets | 0.1456% | 1,282 |
| Net operating income to assets | 0.6971% | 3,723 |
| Return on assets (ROA) | 0.7316% | 3,601 |
| Pretax return on assets | 1.0848% | 3,047 |
| Return on Equity (ROE) | 6.2348% | 3,792 |
| Retained earnings to average equity (ytd only) | -6.9390% | 5,489 |
| Net charge-offs to loans | 0.0862% | 1,484 |
| Credit loss provision to net charge-offs | 209.7166% | 989 |
| Earnings coverage of net charge-offs (x) | 16.9838% | 1,617 |
| Efficiency ratio | 80.3493% | 1,340 |
| Assets per employee ($millions) | 4.2220% | 3,627 |
| Cash dividends to net income (ytd only)* | 211.2947% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 5,023 |
| Loan loss allowance to noncurrent loans | 143.7644% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 3,282 |
| Noncurrent loans to loans | 0.5675% | 3,106 |
| Net loans and leases to total assets | 79.6041% | 887 |
| Net loans and leases to deposits | 100.0382% | 612 |
| Net loans and leases to core deposits | 101.9149% | 1,376 |
| Total domestic deposits to total assets | 79.5737% | 4,702 |
| Equity capital to assets | 11.5754% | 2,132 |
| Core capital (leverage) ratio | 10.9154% | 2,461 |
| Tier 1 risk-based capital ratio | 13.2229% | 3,928 |
| Total risk-based capital ratio | 14.0924% | 4,074 |
| Memoranda: | ||
| Average total assets | $1,423,239,000 | 545 |
| Average earning assets | $1,319,732,000 | 539 |
| Average equity | $166,999,000 | 500 |
| Average total loans | $1,145,871,500 | 479 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0975% | 2,863 |
| Cost of funding earning assets | 0.6688% | 956 |
| Net interest margin | 3.4287% | 3,717 |
| Noninterest income to average assets | 2.8984% | 214 |
| Noninterest expense to average assets | 4.5448% | 358 |
| Loan and lease loss provision to assets | 0.2531% | 826 |
| Net operating income to assets | 0.8561% | 3,044 |
| Return on assets (ROA) | 0.9033% | 2,917 |
| Pretax return on assets | 1.3529% | 2,091 |
| Return on Equity (ROE) | 8.5778% | 2,625 |
| Retained earnings to average equity (ytd only) | 5.7501% | 1,852 |
| Net charge-offs to loans | 0.2161% | 1,280 |
| Credit loss provision to net charge-offs | 143.1612% | 1,917 |
| Earnings coverage of net charge-offs (x) | 8.6843% | 2,845 |
| Efficiency ratio | 74.6324% | 2,198 |
| Assets per employee ($millions) | 4.0668% | 3,841 |
| Cash dividends to net income (ytd only)* | 32.9656% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 5,118 |
| Loan loss allowance to noncurrent loans | 146.1069% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 3,379 |
| Noncurrent loans to loans | 0.5450% | 3,211 |
| Net loans and leases to total assets | 80.1239% | 882 |
| Net loans and leases to deposits | 101.7245% | 551 |
| Net loans and leases to core deposits | 103.9466% | 1,287 |
| Total domestic deposits to total assets | 78.7656% | 4,847 |
| Equity capital to assets | 11.8938% | 1,882 |
| Core capital (leverage) ratio | 10.8801% | 2,459 |
| Tier 1 risk-based capital ratio | 13.6018% | 3,702 |
| Total risk-based capital ratio | 14.4562% | 3,868 |
| Memoranda: | ||
| Average total assets | $1,434,881,400 | 523 |
| Average earning assets | $1,331,582,200 | 514 |
| Average equity | $151,110,800 | 526 |
| Average total loans | $1,174,134,600 | 450 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 2,980 |
| Cost of funding earning assets | 0.6639% | 984 |
| Net interest margin | 3.4077% | 3,813 |
| Noninterest income to average assets | 2.9289% | 214 |
| Noninterest expense to average assets | 4.5410% | 368 |
| Loan and lease loss provision to assets | 0.2755% | 636 |
| Net operating income to assets | 0.8490% | 3,157 |
| Return on assets (ROA) | 0.9118% | 2,974 |
| Pretax return on assets | 1.3691% | 2,158 |
| Return on Equity (ROE) | 8.9421% | 2,524 |
| Retained earnings to average equity (ytd only) | 6.0604% | 2,157 |
| Net charge-offs to loans | 0.2066% | 1,131 |
| Credit loss provision to net charge-offs | 162.4795% | 1,685 |
| Earnings coverage of net charge-offs (x) | 9.1469% | 2,704 |
| Efficiency ratio | 74.4258% | 2,198 |
| Assets per employee ($millions) | 4.4288% | 3,196 |
| Cash dividends to net income (ytd only)* | 32.2263% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 5,297 |
| Loan loss allowance to noncurrent loans | 89.6883% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 2,776 |
| Noncurrent loans to loans | 0.8507% | 2,555 |
| Net loans and leases to total assets | 81.1794% | 733 |
| Net loans and leases to deposits | 105.2425% | 402 |
| Net loans and leases to core deposits | 107.9012% | 1,061 |
| Total domestic deposits to total assets | 77.1356% | 5,059 |
| Equity capital to assets | 10.4456% | 3,617 |
| Core capital (leverage) ratio | 9.6022% | 4,057 |
| Tier 1 risk-based capital ratio | 11.5282% | 5,075 |
| Total risk-based capital ratio | 12.3042% | 5,250 |
| Memoranda: | ||
| Average total assets | $1,439,793,750 | 526 |
| Average earning assets | $1,336,445,000 | 516 |
| Average equity | $146,807,250 | 541 |
| Average total loans | $1,181,908,250 | 450 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 2,893 |
| Cost of funding earning assets | 0.6656% | 960 |
| Net interest margin | 3.4269% | 3,770 |
| Noninterest income to average assets | 2.7691% | 226 |
| Noninterest expense to average assets | 4.4158% | 412 |
| Loan and lease loss provision to assets | 0.2655% | 699 |
| Net operating income to assets | 0.8442% | 3,115 |
| Return on assets (ROA) | 0.8941% | 3,015 |
| Pretax return on assets | 1.3425% | 2,237 |
| Return on Equity (ROE) | 8.8430% | 2,562 |
| Retained earnings to average equity (ytd only) | 6.1852% | 2,026 |
| Net charge-offs to loans | 0.1386% | 1,494 |
| Credit loss provision to net charge-offs | 233.1288% | 1,168 |
| Earnings coverage of net charge-offs (x) | 13.4638% | 2,123 |
| Efficiency ratio | 74.1038% | 2,341 |
| Assets per employee ($millions) | 4.6336% | 2,814 |
| Cash dividends to net income (ytd only)* | 30.0563% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7457% | 5,420 |
| Loan loss allowance to noncurrent loans | 110.8523% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 3,294 |
| Noncurrent loans to loans | 0.6727% | 3,050 |
| Net loans and leases to total assets | 81.6103% | 670 |
| Net loans and leases to deposits | 112.7111% | 197 |
| Net loans and leases to core deposits | 117.1156% | 606 |
| Total domestic deposits to total assets | 72.4066% | 5,646 |
| Equity capital to assets | 10.2236% | 3,945 |
| Core capital (leverage) ratio | 9.3072% | 4,450 |
| Tier 1 risk-based capital ratio | 11.4653% | 5,181 |
| Total risk-based capital ratio | 12.2456% | 5,346 |
| Memoranda: | ||
| Average total assets | $1,431,082,330 | 529 |
| Average earning assets | $1,328,077,330 | 520 |
| Average equity | $144,701,330 | 550 |
| Average total loans | $1,176,150,330 | 452 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 2,469 |
| Cost of funding earning assets | 0.7104% | 766 |
| Net interest margin | 3.4904% | 3,508 |
| Noninterest income to average assets | 2.3076% | 283 |
| Noninterest expense to average assets | 4.2430% | 482 |
| Loan and lease loss provision to assets | 0.1779% | 1,140 |
| Net operating income to assets | 0.7535% | 3,466 |
| Return on assets (ROA) | 0.8127% | 3,301 |
| Pretax return on assets | 1.2098% | 2,659 |
| Return on Equity (ROE) | 8.0846% | 2,862 |
| Retained earnings to average equity (ytd only) | 5.5445% | 2,613 |
| Net charge-offs to loans | 0.0637% | 1,856 |
| Credit loss provision to net charge-offs | 339.6739% | 788 |
| Earnings coverage of net charge-offs (x) | 24.8098% | 1,315 |
| Efficiency ratio | 76.4265% | 2,119 |
| Assets per employee ($millions) | 4.5990% | 2,903 |
| Cash dividends to net income (ytd only)* | 31.4186% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7192% | 5,562 |
| Loan loss allowance to noncurrent loans | 102.0169% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 3,275 |
| Noncurrent loans to loans | 0.7050% | 3,083 |
| Net loans and leases to total assets | 81.5240% | 625 |
| Net loans and leases to deposits | 106.4049% | 323 |
| Net loans and leases to core deposits | 111.3997% | 789 |
| Total domestic deposits to total assets | 76.6168% | 5,343 |
| Equity capital to assets | 9.9727% | 4,110 |
| Core capital (leverage) ratio | 9.3386% | 4,445 |
| Tier 1 risk-based capital ratio | 10.7588% | 5,637 |
| Total risk-based capital ratio | 11.4827% | 5,780 |
| Memoranda: | ||
| Average total assets | $1,405,243,000 | 536 |
| Average earning assets | $1,302,320,000 | 529 |
| Average equity | $141,256,500 | 560 |
| Average total loans | $1,154,637,000 | 457 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,567 |
| Cost of funding earning assets | 0.6654% | 987 |
| Net interest margin | 3.2740% | 4,396 |
| Noninterest income to average assets | 2.8043% | 226 |
| Noninterest expense to average assets | 4.4770% | 419 |
| Loan and lease loss provision to assets | 0.1999% | 1,073 |
| Net operating income to assets | 0.7782% | 3,430 |
| Return on assets (ROA) | 0.7853% | 3,475 |
| Pretax return on assets | 1.1517% | 2,833 |
| Return on Equity (ROE) | 7.1399% | 3,436 |
| Retained earnings to average equity (ytd only) | 4.6530% | 2,677 |
| Net charge-offs to loans | 0.0702% | 2,840 |
| Credit loss provision to net charge-offs | 351.6220% | 849 |
| Earnings coverage of net charge-offs (x) | 23.5910% | 1,727 |
| Efficiency ratio | 76.8999% | 2,128 |
| Assets per employee ($millions) | 4.3955% | 3,225 |
| Cash dividends to net income (ytd only)* | 34.8310% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7055% | 5,626 |
| Loan loss allowance to noncurrent loans | 78.0845% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 2,788 |
| Noncurrent loans to loans | 0.9035% | 2,531 |
| Net loans and leases to total assets | 81.6399% | 628 |
| Net loans and leases to deposits | 110.6866% | 227 |
| Net loans and leases to core deposits | 115.3347% | 622 |
| Total domestic deposits to total assets | 73.7578% | 5,671 |
| Equity capital to assets | 10.1344% | 3,824 |
| Core capital (leverage) ratio | 9.5028% | 4,165 |
| Tier 1 risk-based capital ratio | 11.5319% | 5,230 |
| Total risk-based capital ratio | 12.2782% | 5,405 |
| Memoranda: | ||
| Average total assets | $1,247,098,800 | 567 |
| Average earning assets | $1,147,974,200 | 558 |
| Average equity | $137,159,400 | 550 |
| Average total loans | $1,010,659,000 | 477 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8421% | 3,960 |
| Cost of funding earning assets | 0.6104% | 1,341 |
| Net interest margin | 3.2317% | 4,571 |
| Noninterest income to average assets | 3.0573% | 205 |
| Noninterest expense to average assets | 4.6152% | 381 |
| Loan and lease loss provision to assets | 0.2039% | 978 |
| Net operating income to assets | 0.8170% | 3,346 |
| Return on assets (ROA) | 0.8267% | 3,382 |
| Pretax return on assets | 1.2226% | 2,721 |
| Return on Equity (ROE) | 7.3523% | 3,436 |
| Retained earnings to average equity (ytd only) | 4.8602% | 3,015 |
| Net charge-offs to loans | 0.0939% | 2,227 |
| Credit loss provision to net charge-offs | 268.9855% | 1,073 |
| Earnings coverage of net charge-offs (x) | 18.6318% | 1,991 |
| Efficiency ratio | 76.5272% | 2,154 |
| Assets per employee ($millions) | 4.1026% | 3,696 |
| Cash dividends to net income (ytd only)* | 33.8958% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 5,748 |
| Loan loss allowance to noncurrent loans | 78.6627% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 3,056 |
| Noncurrent loans to loans | 0.8795% | 2,783 |
| Net loans and leases to total assets | 81.2862% | 667 |
| Net loans and leases to deposits | 103.6752% | 462 |
| Net loans and leases to core deposits | 108.8387% | 937 |
| Total domestic deposits to total assets | 78.4046% | 5,110 |
| Equity capital to assets | 10.6608% | 3,398 |
| Core capital (leverage) ratio | 9.9621% | 3,687 |
| Tier 1 risk-based capital ratio | 11.8840% | 5,146 |
| Total risk-based capital ratio | 12.6033% | 5,367 |
| Memoranda: | ||
| Average total assets | $1,213,825,750 | 581 |
| Average earning assets | $1,115,532,000 | 581 |
| Average equity | $136,480,750 | 555 |
| Average total loans | $979,625,500 | 488 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7980% | 4,074 |
| Cost of funding earning assets | 0.6017% | 1,404 |
| Net interest margin | 3.1964% | 4,677 |
| Noninterest income to average assets | 3.2157% | 198 |
| Noninterest expense to average assets | 4.6533% | 378 |
| Loan and lease loss provision to assets | 0.2062% | 947 |
| Net operating income to assets | 0.8595% | 3,085 |
| Return on assets (ROA) | 0.8738% | 3,129 |
| Pretax return on assets | 1.3113% | 2,319 |
| Return on Equity (ROE) | 7.6261% | 3,251 |
| Retained earnings to average equity (ytd only) | 5.1308% | 2,781 |
| Net charge-offs to loans | 0.0831% | 2,215 |
| Credit loss provision to net charge-offs | 308.8608% | 916 |
| Earnings coverage of net charge-offs (x) | 22.4152% | 1,643 |
| Efficiency ratio | 75.6671% | 2,416 |
| Assets per employee ($millions) | 4.2246% | 3,422 |
| Cash dividends to net income (ytd only)* | 32.7209% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6859% | 5,848 |
| Loan loss allowance to noncurrent loans | 76.7146% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 3,095 |
| Noncurrent loans to loans | 0.8941% | 2,894 |
| Net loans and leases to total assets | 81.5959% | 593 |
| Net loans and leases to deposits | 113.7004% | 187 |
| Net loans and leases to core deposits | 120.3761% | 459 |
| Total domestic deposits to total assets | 71.7640% | 5,946 |
| Equity capital to assets | 11.0015% | 2,878 |
| Core capital (leverage) ratio | 10.3338% | 3,172 |
| Tier 1 risk-based capital ratio | 12.2550% | 4,966 |
| Total risk-based capital ratio | 12.9621% | 5,245 |
| Memoranda: | ||
| Average total assets | $1,183,554,330 | 600 |
| Average earning assets | $1,086,295,330 | 596 |
| Average equity | $135,612,670 | 559 |
| Average total loans | $950,207,330 | 496 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 4,022 |
| Cost of funding earning assets | 0.6447% | 1,158 |
| Net interest margin | 3.1524% | 4,778 |
| Noninterest income to average assets | 3.2881% | 199 |
| Noninterest expense to average assets | 4.7429% | 361 |
| Loan and lease loss provision to assets | 0.2292% | 759 |
| Net operating income to assets | 0.7713% | 3,414 |
| Return on assets (ROA) | 0.7982% | 3,395 |
| Pretax return on assets | 1.2441% | 2,496 |
| Return on Equity (ROE) | 6.8185% | 3,599 |
| Retained earnings to average equity (ytd only) | 4.7893% | 3,180 |
| Net charge-offs to loans | 0.1755% | 1,225 |
| Credit loss provision to net charge-offs | 164.7500% | 1,186 |
| Earnings coverage of net charge-offs (x) | 10.2875% | 1,947 |
| Efficiency ratio | 76.8195% | 2,370 |
| Assets per employee ($millions) | 4.3731% | 3,244 |
| Cash dividends to net income (ytd only)* | 29.7603% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6772% | 5,946 |
| Loan loss allowance to noncurrent loans | 69.1159% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 3,000 |
| Noncurrent loans to loans | 0.9797% | 2,809 |
| Net loans and leases to total assets | 79.6244% | 728 |
| Net loans and leases to deposits | 108.6557% | 240 |
| Net loans and leases to core deposits | 114.4356% | 564 |
| Total domestic deposits to total assets | 73.2814% | 5,955 |
| Equity capital to assets | 11.3483% | 2,599 |
| Core capital (leverage) ratio | 11.1900% | 2,236 |
| Tier 1 risk-based capital ratio | 12.9421% | 4,636 |
| Total risk-based capital ratio | 13.6429% | 4,890 |
| Memoranda: | ||
| Average total assets | $1,150,089,000 | 612 |
| Average earning assets | $1,052,908,000 | 609 |
| Average equity | $134,633,000 | 561 |
| Average total loans | $911,615,000 | 517 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 4,555 |
| Cost of funding earning assets | 0.7658% | 777 |
| Net interest margin | 3.0113% | 5,426 |
| Noninterest income to average assets | 2.2333% | 288 |
| Noninterest expense to average assets | 4.2026% | 601 |
| Loan and lease loss provision to assets | 0.2470% | 932 |
| Net operating income to assets | 0.4169% | 5,168 |
| Return on assets (ROA) | 0.4481% | 5,120 |
| Pretax return on assets | 0.5696% | 5,032 |
| Return on Equity (ROE) | 3.9769% | 5,128 |
| Retained earnings to average equity (ytd only) | 1.3344% | 5,176 |
| Net charge-offs to loans | 0.1648% | 2,384 |
| Credit loss provision to net charge-offs | 199.6133% | 1,241 |
| Earnings coverage of net charge-offs (x) | 6.2792% | 3,233 |
| Efficiency ratio | 84.3876% | 1,359 |
| Assets per employee ($millions) | 4.0084% | 3,939 |
| Cash dividends to net income (ytd only)* | 66.4460% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7184% | 5,953 |
| Loan loss allowance to noncurrent loans | 64.1179% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 2,893 |
| Noncurrent loans to loans | 1.1204% | 2,598 |
| Net loans and leases to total assets | 77.7283% | 1,033 |
| Net loans and leases to deposits | 103.5365% | 450 |
| Net loans and leases to core deposits | 109.8884% | 784 |
| Total domestic deposits to total assets | 75.0734% | 5,851 |
| Equity capital to assets | 12.0927% | 1,952 |
| Core capital (leverage) ratio | 10.8355% | 2,577 |
| Tier 1 risk-based capital ratio | 14.6074% | 3,719 |
| Total risk-based capital ratio | 15.3743% | 3,939 |
| Memoranda: | ||
| Average total assets | $1,044,841,800 | 646 |
| Average earning assets | $952,906,800 | 649 |
| Average equity | $117,730,000 | 614 |
| Average total loans | $784,702,400 | 559 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 4,699 |
| Cost of funding earning assets | 0.7551% | 873 |
| Net interest margin | 2.9983% | 5,508 |
| Noninterest income to average assets | 2.2143% | 291 |
| Noninterest expense to average assets | 3.9509% | 799 |
| Loan and lease loss provision to assets | 0.2839% | 718 |
| Net operating income to assets | 0.5340% | 4,746 |
| Return on assets (ROA) | 0.5724% | 4,657 |
| Pretax return on assets | 0.7636% | 4,493 |
| Return on Equity (ROE) | 5.1823% | 4,635 |
| Retained earnings to average equity (ytd only) | 2.7272% | 4,651 |
| Net charge-offs to loans | 0.1329% | 2,465 |
| Credit loss provision to net charge-offs | 287.6640% | 941 |
| Earnings coverage of net charge-offs (x) | 10.0945% | 2,585 |
| Efficiency ratio | 79.8550% | 1,940 |
| Assets per employee ($millions) | 3.9170% | 4,046 |
| Cash dividends to net income (ytd only)* | 47.3755% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 5,917 |
| Loan loss allowance to noncurrent loans | 134.8591% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 4,384 |
| Noncurrent loans to loans | 0.5801% | 4,182 |
| Net loans and leases to total assets | 74.3945% | 1,458 |
| Net loans and leases to deposits | 94.5504% | 990 |
| Net loans and leases to core deposits | 99.8745% | 1,375 |
| Total domestic deposits to total assets | 78.6823% | 5,396 |
| Equity capital to assets | 12.4232% | 1,753 |
| Core capital (leverage) ratio | 11.1163% | 2,380 |
| Tier 1 risk-based capital ratio | 15.1981% | 3,474 |
| Total risk-based capital ratio | 16.0092% | 3,669 |
| Memoranda: | ||
| Average total assets | $1,029,473,250 | 652 |
| Average earning assets | $938,320,250 | 654 |
| Average equity | $113,716,750 | 639 |
| Average total loans | $764,342,250 | 570 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 4,705 |
| Cost of funding earning assets | 0.7483% | 931 |
| Net interest margin | 2.9996% | 5,528 |
| Noninterest income to average assets | 2.3945% | 259 |
| Noninterest expense to average assets | 4.1624% | 629 |
| Loan and lease loss provision to assets | 0.2785% | 733 |
| Net operating income to assets | 0.5372% | 4,664 |
| Return on assets (ROA) | 0.5563% | 4,672 |
| Pretax return on assets | 0.7102% | 4,603 |
| Return on Equity (ROE) | 5.2712% | 4,543 |
| Retained earnings to average equity (ytd only) | 2.6506% | 4,517 |
| Net charge-offs to loans | 0.0273% | 3,649 |
| Credit loss provision to net charge-offs | 1,380.3922% | 263 |
| Earnings coverage of net charge-offs (x) | 47.7843% | 939 |
| Efficiency ratio | 81.1839% | 1,854 |
| Assets per employee ($millions) | 3.9896% | 3,860 |
| Cash dividends to net income (ytd only)* | 49.7155% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7768% | 6,031 |
| Loan loss allowance to noncurrent loans | 215.8022% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 5,099 |
| Noncurrent loans to loans | 0.3599% | 4,918 |
| Net loans and leases to total assets | 75.1213% | 1,291 |
| Net loans and leases to deposits | 105.4115% | 320 |
| Net loans and leases to core deposits | 113.6820% | 555 |
| Total domestic deposits to total assets | 71.2648% | 6,302 |
| Equity capital to assets | 12.6296% | 1,573 |
| Core capital (leverage) ratio | 11.2468% | 2,205 |
| Tier 1 risk-based capital ratio | 15.5537% | 3,330 |
| Total risk-based capital ratio | 16.3741% | 3,517 |
| Memoranda: | ||
| Average total assets | $1,010,965,330 | 660 |
| Average earning assets | $920,794,000 | 665 |
| Average equity | $106,692,000 | 682 |
| Average total loans | $747,942,330 | 581 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6675% | 4,952 |
| Cost of funding earning assets | 0.6615% | 1,500 |
| Net interest margin | 3.0060% | 5,509 |
| Noninterest income to average assets | 2.1428% | 299 |
| Noninterest expense to average assets | 4.1050% | 680 |
| Loan and lease loss provision to assets | 0.2102% | 1,092 |
| Net operating income to assets | 0.4727% | 4,826 |
| Return on assets (ROA) | 0.4727% | 4,903 |
| Pretax return on assets | 0.5713% | 4,930 |
| Return on Equity (ROE) | 5.0095% | 4,549 |
| Retained earnings to average equity (ytd only) | 0.5332% | 5,368 |
| Net charge-offs to loans | 0.0006% | 3,655 |
| Credit loss provision to net charge-offs | 51,800.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,926.0000% | 8 |
| Efficiency ratio | 83.9990% | 1,676 |
| Assets per employee ($millions) | 3.9181% | 4,108 |
| Cash dividends to net income (ytd only)* | 89.3562% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 6,194 |
| Loan loss allowance to noncurrent loans | 126.6791% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 4,731 |
| Noncurrent loans to loans | 0.5929% | 4,386 |
| Net loans and leases to total assets | 72.3786% | 1,522 |
| Net loans and leases to deposits | 95.1496% | 704 |
| Net loans and leases to core deposits | 106.4580% | 741 |
| Total domestic deposits to total assets | 76.0682% | 6,070 |
| Equity capital to assets | 10.0401% | 3,800 |
| Core capital (leverage) ratio | 8.6075% | 5,517 |
| Tier 1 risk-based capital ratio | 11.9676% | 5,663 |
| Total risk-based capital ratio | 12.7385% | 5,865 |
| Memoranda: | ||
| Average total assets | $985,825,000 | 683 |
| Average earning assets | $899,791,500 | 683 |
| Average equity | $93,022,500 | 782 |
| Average total loans | $720,182,000 | 603 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3341% | 5,944 |
| Cost of funding earning assets | 0.6699% | 2,040 |
| Net interest margin | 2.6642% | 6,183 |
| Noninterest income to average assets | 3.5051% | 186 |
| Noninterest expense to average assets | 4.9173% | 369 |
| Loan and lease loss provision to assets | 0.2779% | 1,251 |
| Net operating income to assets | 0.5508% | 4,500 |
| Return on assets (ROA) | 0.5643% | 4,549 |
| Pretax return on assets | 0.7408% | 4,377 |
| Return on Equity (ROE) | 5.5301% | 4,372 |
| Retained earnings to average equity (ytd only) | 2.9838% | 4,119 |
| Net charge-offs to loans | 0.2421% | 2,524 |
| Credit loss provision to net charge-offs | 161.1983% | 1,423 |
| Earnings coverage of net charge-offs (x) | 5.8053% | 3,212 |
| Efficiency ratio | 83.0732% | 1,743 |
| Assets per employee ($millions) | 3.8748% | 4,108 |
| Cash dividends to net income (ytd only)* | 46.0449% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6905% | 6,357 |
| Loan loss allowance to noncurrent loans | 582.5266% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 5,948 |
| Noncurrent loans to loans | 0.1185% | 5,845 |
| Net loans and leases to total assets | 72.6783% | 1,563 |
| Net loans and leases to deposits | 102.1231% | 389 |
| Net loans and leases to core deposits | 124.1913% | 265 |
| Total domestic deposits to total assets | 71.1673% | 6,468 |
| Equity capital to assets | 8.8203% | 5,235 |
| Core capital (leverage) ratio | 7.6446% | 6,324 |
| Tier 1 risk-based capital ratio | 10.4916% | 6,367 |
| Total risk-based capital ratio | 11.2475% | 6,481 |
| Memoranda: | ||
| Average total assets | $813,177,400 | 816 |
| Average earning assets | $736,518,000 | 821 |
| Average equity | $82,981,800 | 859 |
| Average total loans | $579,190,200 | 723 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 5,967 |
| Cost of funding earning assets | 0.6927% | 2,001 |
| Net interest margin | 2.6627% | 6,232 |
| Noninterest income to average assets | 4.0560% | 174 |
| Noninterest expense to average assets | 5.2681% | 289 |
| Loan and lease loss provision to assets | 0.3440% | 942 |
| Net operating income to assets | 0.6491% | 4,127 |
| Return on assets (ROA) | 0.6600% | 4,203 |
| Pretax return on assets | 0.8623% | 4,041 |
| Return on Equity (ROE) | 6.2013% | 4,078 |
| Retained earnings to average equity (ytd only) | 3.7454% | 4,025 |
| Net charge-offs to loans | 0.3379% | 1,861 |
| Credit loss provision to net charge-offs | 144.2113% | 1,629 |
| Earnings coverage of net charge-offs (x) | 4.9971% | 3,307 |
| Efficiency ratio | 81.5327% | 1,892 |
| Assets per employee ($millions) | 3.0784% | 5,718 |
| Cash dividends to net income (ytd only)* | 39.6024% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 6,228 |
| Loan loss allowance to noncurrent loans | 579.3572% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 5,919 |
| Noncurrent loans to loans | 0.1422% | 5,898 |
| Net loans and leases to total assets | 67.3716% | 2,401 |
| Net loans and leases to deposits | 93.2705% | 883 |
| Net loans and leases to core deposits | 102.3008% | 974 |
| Total domestic deposits to total assets | 72.2325% | 6,476 |
| Equity capital to assets | 10.2275% | 3,602 |
| Core capital (leverage) ratio | 8.6462% | 5,607 |
| Tier 1 risk-based capital ratio | 12.4602% | 5,475 |
| Total risk-based capital ratio | 13.2838% | 5,696 |
| Memoranda: | ||
| Average total assets | $772,358,750 | 874 |
| Average earning assets | $697,369,250 | 871 |
| Average equity | $82,195,750 | 867 |
| Average total loans | $545,337,000 | 772 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 5,916 |
| Cost of funding earning assets | 0.6920% | 2,123 |
| Net interest margin | 2.7055% | 6,172 |
| Noninterest income to average assets | 4.3410% | 176 |
| Noninterest expense to average assets | 5.3486% | 284 |
| Loan and lease loss provision to assets | 0.4441% | 660 |
| Net operating income to assets | 0.7561% | 3,532 |
| Return on assets (ROA) | 0.7729% | 3,594 |
| Pretax return on assets | 1.0084% | 3,472 |
| Return on Equity (ROE) | 7.1587% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.3616% | 2,225 |
| Net charge-offs to loans | 0.3405% | 1,820 |
| Credit loss provision to net charge-offs | 182.1858% | 1,305 |
| Earnings coverage of net charge-offs (x) | 5.8689% | 2,816 |
| Efficiency ratio | 78.8847% | 2,323 |
| Assets per employee ($millions) | 2.7084% | 6,286 |
| Cash dividends to net income (ytd only)* | 11.1341% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 6,207 |
| Loan loss allowance to noncurrent loans | 359.2262% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 5,898 |
| Noncurrent loans to loans | 0.2437% | 5,695 |
| Net loans and leases to total assets | 71.0780% | 1,715 |
| Net loans and leases to deposits | 105.3254% | 240 |
| Net loans and leases to core deposits | 132.9415% | 168 |
| Total domestic deposits to total assets | 67.4842% | 6,729 |
| Equity capital to assets | 11.2016% | 2,553 |
| Core capital (leverage) ratio | 9.2373% | 4,638 |
| Tier 1 risk-based capital ratio | 13.1812% | 5,005 |
| Total risk-based capital ratio | 14.0773% | 5,201 |
| Memoranda: | ||
| Average total assets | $750,706,000 | 895 |
| Average earning assets | $676,550,670 | 895 |
| Average equity | $81,048,670 | 892 |
| Average total loans | $537,515,670 | 778 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6893% | 5,204 |
| Cost of funding earning assets | 0.6916% | 2,294 |
| Net interest margin | 2.9977% | 5,577 |
| Noninterest income to average assets | 3.8195% | 196 |
| Noninterest expense to average assets | 5.1687% | 329 |
| Loan and lease loss provision to assets | 0.5395% | 495 |
| Net operating income to assets | 0.6658% | 3,870 |
| Return on assets (ROA) | 0.6662% | 4,017 |
| Pretax return on assets | 0.8195% | 4,090 |
| Return on Equity (ROE) | 6.2936% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.0847% | 2,634 |
| Net charge-offs to loans | 0.3295% | 1,652 |
| Credit loss provision to net charge-offs | 228.8330% | 994 |
| Earnings coverage of net charge-offs (x) | 5.7620% | 2,328 |
| Efficiency ratio | 79.1718% | 2,446 |
| Assets per employee ($millions) | 3.0017% | 5,982 |
| Cash dividends to net income (ytd only)* | 3.3198% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 6,312 |
| Loan loss allowance to noncurrent loans | 132.6566% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4893% | 5,154 |
| Noncurrent loans to loans | 0.6598% | 4,806 |
| Net loans and leases to total assets | 69.4501% | 1,762 |
| Net loans and leases to deposits | 100.9563% | 314 |
| Net loans and leases to core deposits | 116.3880% | 340 |
| Total domestic deposits to total assets | 68.7923% | 6,788 |
| Equity capital to assets | 11.3286% | 2,604 |
| Core capital (leverage) ratio | 9.7165% | 3,776 |
| Tier 1 risk-based capital ratio | 14.7003% | 4,039 |
| Total risk-based capital ratio | 15.6805% | 4,190 |
| Memoranda: | ||
| Average total assets | $741,466,000 | 911 |
| Average earning assets | $669,722,000 | 907 |
| Average equity | $78,492,500 | 937 |
| Average total loans | $530,498,500 | 791 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 5,429 |
| Cost of funding earning assets | 0.8571% | 2,248 |
| Net interest margin | 3.0971% | 5,822 |
| Noninterest income to average assets | 1.1914% | 1,103 |
| Noninterest expense to average assets | 2.7001% | 4,399 |
| Loan and lease loss provision to assets | 0.4613% | 1,362 |
| Net operating income to assets | 0.6478% | 3,998 |
| Return on assets (ROA) | 0.7224% | 3,885 |
| Pretax return on assets | 1.0187% | 3,477 |
| Return on Equity (ROE) | 7.7534% | 3,207 |
| Retained earnings to average equity (ytd only) | 6.8145% | 1,665 |
| Net charge-offs to loans | 0.4026% | 2,647 |
| Credit loss provision to net charge-offs | 158.2815% | 1,697 |
| Earnings coverage of net charge-offs (x) | 4.7179% | 3,279 |
| Efficiency ratio | 66.2233% | 4,459 |
| Assets per employee ($millions) | 4.7484% | 2,581 |
| Cash dividends to net income (ytd only)* | 12.1095% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 6,542 |
| Loan loss allowance to noncurrent loans | 126.8596% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 5,296 |
| Noncurrent loans to loans | 0.6051% | 5,006 |
| Net loans and leases to total assets | 72.5312% | 1,417 |
| Net loans and leases to deposits | 108.2739% | 184 |
| Net loans and leases to core deposits | 135.6380% | 149 |
| Total domestic deposits to total assets | 66.9886% | 6,880 |
| Equity capital to assets | 9.8131% | 4,431 |
| Core capital (leverage) ratio | 8.9688% | 4,952 |
| Tier 1 risk-based capital ratio | 12.1746% | 5,672 |
| Total risk-based capital ratio | 13.0743% | 5,857 |
| Memoranda: | ||
| Average total assets | $607,021,000 | 1,092 |
| Average earning assets | $565,178,800 | 1,069 |
| Average equity | $56,556,000 | 1,259 |
| Average total loans | $439,368,800 | 949 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 5,388 |
| Cost of funding earning assets | 0.8848% | 2,273 |
| Net interest margin | 3.1563% | 5,808 |
| Noninterest income to average assets | 0.8686% | 1,948 |
| Noninterest expense to average assets | 2.4624% | 5,210 |
| Loan and lease loss provision to assets | 0.4909% | 1,258 |
| Net operating income to assets | 0.6379% | 4,202 |
| Return on assets (ROA) | 0.6688% | 4,315 |
| Pretax return on assets | 0.9266% | 4,004 |
| Return on Equity (ROE) | 7.3005% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.4557% | 2,402 |
| Net charge-offs to loans | 0.4732% | 2,203 |
| Credit loss provision to net charge-offs | 143.7754% | 1,992 |
| Earnings coverage of net charge-offs (x) | 4.0257% | 3,425 |
| Efficiency ratio | 64.1339% | 4,786 |
| Assets per employee ($millions) | 4.4122% | 3,058 |
| Cash dividends to net income (ytd only)* | 11.5718% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8184% | 6,562 |
| Loan loss allowance to noncurrent loans | 75.8578% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8464% | 4,599 |
| Noncurrent loans to loans | 1.0789% | 4,281 |
| Net loans and leases to total assets | 72.9512% | 1,399 |
| Net loans and leases to deposits | 94.9159% | 727 |
| Net loans and leases to core deposits | 111.7459% | 507 |
| Total domestic deposits to total assets | 76.8588% | 6,258 |
| Equity capital to assets | 8.8854% | 5,937 |
| Core capital (leverage) ratio | 9.0107% | 5,051 |
| Tier 1 risk-based capital ratio | 13.1063% | 5,165 |
| Total risk-based capital ratio | 14.0011% | 5,405 |
| Memoranda: | ||
| Average total assets | $577,149,500 | 1,161 |
| Average earning assets | $542,768,000 | 1,128 |
| Average equity | $52,871,750 | 1,358 |
| Average total loans | $416,456,000 | 1,007 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 5,408 |
| Cost of funding earning assets | 0.9033% | 2,370 |
| Net interest margin | 3.1701% | 5,822 |
| Noninterest income to average assets | 0.7800% | 2,290 |
| Noninterest expense to average assets | 2.4335% | 5,350 |
| Loan and lease loss provision to assets | 0.4778% | 1,325 |
| Net operating income to assets | 0.6149% | 4,315 |
| Return on assets (ROA) | 0.6335% | 4,453 |
| Pretax return on assets | 0.8742% | 4,180 |
| Return on Equity (ROE) | 6.8411% | 3,863 |
| Retained earnings to average equity (ytd only) | 5.7289% | 2,866 |
| Net charge-offs to loans | 0.4520% | 2,247 |
| Credit loss provision to net charge-offs | 147.5410% | 1,876 |
| Earnings coverage of net charge-offs (x) | 4.0951% | 3,176 |
| Efficiency ratio | 64.6804% | 4,770 |
| Assets per employee ($millions) | 4.5220% | 2,862 |
| Cash dividends to net income (ytd only)* | 16.2570% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 6,640 |
| Loan loss allowance to noncurrent loans | 93.7753% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 5,142 |
| Noncurrent loans to loans | 0.8696% | 4,759 |
| Net loans and leases to total assets | 71.9995% | 1,556 |
| Net loans and leases to deposits | 92.4285% | 897 |
| Net loans and leases to core deposits | 116.3306% | 383 |
| Total domestic deposits to total assets | 77.8975% | 6,176 |
| Equity capital to assets | 9.0770% | 5,608 |
| Core capital (leverage) ratio | 9.3382% | 4,395 |
| Tier 1 risk-based capital ratio | 13.6520% | 4,703 |
| Total risk-based capital ratio | 14.5481% | 4,934 |
| Memoranda: | ||
| Average total assets | $565,101,000 | 1,188 |
| Average earning assets | $531,149,000 | 1,155 |
| Average equity | $52,331,000 | 1,365 |
| Average total loans | $404,908,670 | 1,036 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 5,291 |
| Cost of funding earning assets | 0.9186% | 2,531 |
| Net interest margin | 3.2269% | 5,711 |
| Noninterest income to average assets | 0.6892% | 2,715 |
| Noninterest expense to average assets | 2.3716% | 5,568 |
| Loan and lease loss provision to assets | 0.4876% | 1,248 |
| Net operating income to assets | 0.6223% | 4,248 |
| Return on assets (ROA) | 0.6566% | 4,310 |
| Pretax return on assets | 0.9102% | 3,997 |
| Return on Equity (ROE) | 7.0171% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.6774% | 2,594 |
| Net charge-offs to loans | 0.5553% | 1,697 |
| Credit loss provision to net charge-offs | 123.4004% | 1,938 |
| Earnings coverage of net charge-offs (x) | 3.4168% | 2,846 |
| Efficiency ratio | 63.6840% | 4,984 |
| Assets per employee ($millions) | 4.4870% | 3,020 |
| Cash dividends to net income (ytd only)* | 4.8405% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 6,774 |
| Loan loss allowance to noncurrent loans | 58.8683% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9639% | 4,579 |
| Noncurrent loans to loans | 1.3243% | 4,125 |
| Net loans and leases to total assets | 70.3154% | 1,706 |
| Net loans and leases to deposits | 91.6986% | 817 |
| Net loans and leases to core deposits | 110.0883% | 532 |
| Total domestic deposits to total assets | 76.6810% | 6,456 |
| Equity capital to assets | 9.0908% | 5,370 |
| Core capital (leverage) ratio | 9.4160% | 4,174 |
| Tier 1 risk-based capital ratio | 14.0738% | 4,417 |
| Total risk-based capital ratio | 14.9307% | 4,676 |
| Memoranda: | ||
| Average total assets | $553,721,500 | 1,227 |
| Average earning assets | $520,377,000 | 1,174 |
| Average equity | $51,816,500 | 1,368 |
| Average total loans | $393,995,000 | 1,071 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 5,761 |
| Cost of funding earning assets | 1.0882% | 2,747 |
| Net interest margin | 3.2130% | 6,050 |
| Noninterest income to average assets | 0.5931% | 3,203 |
| Noninterest expense to average assets | 2.5618% | 5,244 |
| Loan and lease loss provision to assets | 0.3635% | 2,824 |
| Net operating income to assets | 0.4824% | 4,497 |
| Return on assets (ROA) | 0.6089% | 4,138 |
| Pretax return on assets | 0.8461% | 3,792 |
| Return on Equity (ROE) | 6.5051% | 3,638 |
| Retained earnings to average equity (ytd only) | 5.4389% | 2,343 |
| Net charge-offs to loans | 0.3450% | 3,676 |
| Credit loss provision to net charge-offs | 149.0484% | 1,905 |
| Earnings coverage of net charge-offs (x) | 4.2388% | 3,206 |
| Efficiency ratio | 71.1830% | 3,753 |
| Assets per employee ($millions) | 4.2992% | 3,248 |
| Cash dividends to net income (ytd only)* | 16.3895% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 6,740 |
| Loan loss allowance to noncurrent loans | 109.1398% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 5,580 |
| Noncurrent loans to loans | 0.7323% | 5,234 |
| Net loans and leases to total assets | 70.8911% | 1,844 |
| Net loans and leases to deposits | 96.7268% | 640 |
| Net loans and leases to core deposits | 113.6990% | 511 |
| Total domestic deposits to total assets | 73.2901% | 6,782 |
| Equity capital to assets | 9.6456% | 4,680 |
| Core capital (leverage) ratio | 9.6015% | 3,865 |
| Tier 1 risk-based capital ratio | 14.9510% | 3,666 |
| Total risk-based capital ratio | 15.8394% | 3,889 |
| Memoranda: | ||
| Average total assets | $473,964,000 | 1,398 |
| Average earning assets | $442,918,200 | 1,362 |
| Average equity | $44,365,200 | 1,528 |
| Average total loans | $335,117,200 | 1,268 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 5,904 |
| Cost of funding earning assets | 1.1257% | 2,790 |
| Net interest margin | 3.1878% | 6,188 |
| Noninterest income to average assets | 0.5651% | 3,406 |
| Noninterest expense to average assets | 2.4603% | 5,593 |
| Loan and lease loss provision to assets | 0.3609% | 2,702 |
| Net operating income to assets | 0.5098% | 4,509 |
| Return on assets (ROA) | 0.6098% | 4,228 |
| Pretax return on assets | 0.8589% | 3,917 |
| Return on Equity (ROE) | 6.5724% | 3,731 |
| Retained earnings to average equity (ytd only) | 5.9809% | 2,567 |
| Net charge-offs to loans | 0.4214% | 3,037 |
| Credit loss provision to net charge-offs | 121.5054% | 2,669 |
| Earnings coverage of net charge-offs (x) | 3.6324% | 3,358 |
| Efficiency ratio | 69.4397% | 4,049 |
| Assets per employee ($millions) | 4.9058% | 2,311 |
| Cash dividends to net income (ytd only)* | 8.9999% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 6,903 |
| Loan loss allowance to noncurrent loans | 77.0857% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 5,348 |
| Noncurrent loans to loans | 0.9690% | 4,951 |
| Net loans and leases to total assets | 68.9375% | 2,291 |
| Net loans and leases to deposits | 94.7864% | 773 |
| Net loans and leases to core deposits | 112.6370% | 588 |
| Total domestic deposits to total assets | 72.7293% | 6,877 |
| Equity capital to assets | 9.9732% | 4,380 |
| Core capital (leverage) ratio | 10.3980% | 2,990 |
| Tier 1 risk-based capital ratio | 15.2634% | 3,513 |
| Total risk-based capital ratio | 16.0750% | 3,738 |
| Memoranda: | ||
| Average total assets | $459,178,750 | 1,444 |
| Average earning assets | $428,415,250 | 1,421 |
| Average equity | $42,601,250 | 1,584 |
| Average total loans | $323,654,250 | 1,317 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 5,792 |
| Cost of funding earning assets | 1.1785% | 2,715 |
| Net interest margin | 3.1915% | 6,184 |
| Noninterest income to average assets | 0.5035% | 3,833 |
| Noninterest expense to average assets | 2.4529% | 5,692 |
| Loan and lease loss provision to assets | 0.2871% | 3,088 |
| Net operating income to assets | 0.5223% | 4,404 |
| Return on assets (ROA) | 0.6375% | 4,000 |
| Pretax return on assets | 0.8972% | 3,620 |
| Return on Equity (ROE) | 7.0810% | 3,419 |
| Retained earnings to average equity (ytd only) | 6.5748% | 2,093 |
| Net charge-offs to loans | 0.2963% | 3,390 |
| Credit loss provision to net charge-offs | 136.6594% | 2,233 |
| Earnings coverage of net charge-offs (x) | 4.8655% | 2,750 |
| Efficiency ratio | 70.5088% | 4,022 |
| Assets per employee ($millions) | 4.4068% | 2,984 |
| Cash dividends to net income (ytd only)* | 7.1480% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 6,873 |
| Loan loss allowance to noncurrent loans | 61.7016% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0134% | 4,850 |
| Noncurrent loans to loans | 1.2940% | 4,497 |
| Net loans and leases to total assets | 72.4554% | 1,697 |
| Net loans and leases to deposits | 94.2508% | 856 |
| Net loans and leases to core deposits | 112.1885% | 641 |
| Total domestic deposits to total assets | 76.8751% | 6,470 |
| Equity capital to assets | 9.3703% | 5,035 |
| Core capital (leverage) ratio | 9.2791% | 4,275 |
| Tier 1 risk-based capital ratio | 13.8450% | 4,275 |
| Total risk-based capital ratio | 14.7254% | 4,526 |
| Memoranda: | ||
| Average total assets | $438,900,670 | 1,510 |
| Average earning assets | $408,653,670 | 1,486 |
| Average equity | $39,514,330 | 1,690 |
| Average total loans | $311,145,000 | 1,385 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 6,041 |
| Cost of funding earning assets | 1.1683% | 3,033 |
| Net interest margin | 3.1220% | 6,286 |
| Noninterest income to average assets | 0.4274% | 4,478 |
| Noninterest expense to average assets | 2.2865% | 6,225 |
| Loan and lease loss provision to assets | 0.2782% | 2,930 |
| Net operating income to assets | 0.5598% | 4,233 |
| Return on assets (ROA) | 0.6565% | 3,794 |
| Pretax return on assets | 0.9346% | 3,382 |
| Return on Equity (ROE) | 7.4516% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.2411% | 2,048 |
| Net charge-offs to loans | 0.3004% | 2,846 |
| Credit loss provision to net charge-offs | 132.7434% | 2,090 |
| Earnings coverage of net charge-offs (x) | 5.1283% | 2,329 |
| Efficiency ratio | 67.9448% | 4,662 |
| Assets per employee ($millions) | 5.2825% | 1,788 |
| Cash dividends to net income (ytd only)* | 2.8249% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8336% | 6,852 |
| Loan loss allowance to noncurrent loans | 126.0870% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 5,928 |
| Noncurrent loans to loans | 0.6612% | 5,707 |
| Net loans and leases to total assets | 67.6087% | 2,634 |
| Net loans and leases to deposits | 86.4536% | 1,657 |
| Net loans and leases to core deposits | 98.0748% | 1,518 |
| Total domestic deposits to total assets | 78.2023% | 6,352 |
| Equity capital to assets | 9.2534% | 4,808 |
| Core capital (leverage) ratio | 9.8069% | 3,377 |
| Tier 1 risk-based capital ratio | 14.6594% | 3,636 |
| Total risk-based capital ratio | 15.5716% | 3,814 |
| Memoranda: | ||
| Average total assets | $431,401,000 | 1,539 |
| Average earning assets | $405,385,500 | 1,506 |
| Average equity | $38,005,500 | 1,748 |
| Average total loans | $300,956,500 | 1,456 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 6,553 |
| Cost of funding earning assets | 1.4640% | 2,871 |
| Net interest margin | 2.9703% | 6,795 |
| Noninterest income to average assets | 0.5953% | 3,505 |
| Noninterest expense to average assets | 2.3112% | 6,324 |
| Loan and lease loss provision to assets | 0.2812% | 4,560 |
| Net operating income to assets | 0.5830% | 3,744 |
| Return on assets (ROA) | 0.5996% | 3,834 |
| Pretax return on assets | 0.8200% | 3,570 |
| Return on Equity (ROE) | 7.3253% | 2,965 |
| Retained earnings to average equity (ytd only) | 6.5727% | 1,522 |
| Net charge-offs to loans | 0.3281% | 4,367 |
| Credit loss provision to net charge-offs | 127.4623% | 3,157 |
| Earnings coverage of net charge-offs (x) | 4.8888% | 2,772 |
| Efficiency ratio | 68.0869% | 4,547 |
| Assets per employee ($millions) | 4.9854% | 2,173 |
| Cash dividends to net income (ytd only)* | 10.2728% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 6,887 |
| Loan loss allowance to noncurrent loans | 89.4262% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 5,481 |
| Noncurrent loans to loans | 0.9368% | 5,175 |
| Net loans and leases to total assets | 70.8843% | 2,336 |
| Net loans and leases to deposits | 97.6128% | 749 |
| Net loans and leases to core deposits | 117.2180% | 600 |
| Total domestic deposits to total assets | 72.6178% | 7,033 |
| Equity capital to assets | 8.3284% | 6,111 |
| Core capital (leverage) ratio | 8.2071% | 5,814 |
| Tier 1 risk-based capital ratio | 12.3987% | 5,112 |
| Total risk-based capital ratio | 13.3078% | 5,403 |
| Memoranda: | ||
| Average total assets | $391,231,600 | 1,682 |
| Average earning assets | $368,040,200 | 1,634 |
| Average equity | $32,026,200 | 2,047 |
| Average total loans | $262,990,200 | 1,686 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3968% | 6,823 |
| Cost of funding earning assets | 1.5060% | 2,939 |
| Net interest margin | 2.8908% | 7,017 |
| Noninterest income to average assets | 0.5567% | 3,736 |
| Noninterest expense to average assets | 2.2835% | 6,381 |
| Loan and lease loss provision to assets | 0.2628% | 4,477 |
| Net operating income to assets | 0.5408% | 4,127 |
| Return on assets (ROA) | 0.5636% | 4,200 |
| Pretax return on assets | 0.7645% | 4,036 |
| Return on Equity (ROE) | 6.9175% | 3,382 |
| Retained earnings to average equity (ytd only) | 6.6543% | 2,015 |
| Net charge-offs to loans | 0.1293% | 5,256 |
| Credit loss provision to net charge-offs | 307.6923% | 1,034 |
| Earnings coverage of net charge-offs (x) | 11.6678% | 1,770 |
| Efficiency ratio | 69.5130% | 4,176 |
| Assets per employee ($millions) | 5.0252% | 2,145 |
| Cash dividends to net income (ytd only)* | 3.8035% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 6,495 |
| Loan loss allowance to noncurrent loans | 119.2724% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 5,865 |
| Noncurrent loans to loans | 0.8186% | 5,581 |
| Net loans and leases to total assets | 66.9664% | 3,467 |
| Net loans and leases to deposits | 88.0829% | 1,999 |
| Net loans and leases to core deposits | 106.4707% | 1,288 |
| Total domestic deposits to total assets | 76.0265% | 6,649 |
| Equity capital to assets | 7.7875% | 6,936 |
| Core capital (leverage) ratio | 7.9615% | 6,400 |
| Tier 1 risk-based capital ratio | 12.0164% | 5,446 |
| Total risk-based capital ratio | 13.0660% | 5,606 |
| Memoranda: | ||
| Average total assets | $385,592,750 | 1,731 |
| Average earning assets | $363,256,500 | 1,680 |
| Average equity | $31,417,250 | 2,101 |
| Average total loans | $254,790,750 | 1,757 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 6,874 |
| Cost of funding earning assets | 1.5640% | 2,875 |
| Net interest margin | 2.8496% | 7,084 |
| Noninterest income to average assets | 0.5609% | 3,622 |
| Noninterest expense to average assets | 2.2896% | 6,383 |
| Loan and lease loss provision to assets | 0.2773% | 4,180 |
| Net operating income to assets | 0.5010% | 4,328 |
| Return on assets (ROA) | 0.5231% | 4,385 |
| Pretax return on assets | 0.7033% | 4,228 |
| Return on Equity (ROE) | 6.3163% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.0652% | 2,299 |
| Net charge-offs to loans | 0.0114% | 6,186 |
| Credit loss provision to net charge-offs | 3,714.2857% | 107 |
| Earnings coverage of net charge-offs (x) | 127.3571% | 266 |
| Efficiency ratio | 70.5447% | 4,076 |
| Assets per employee ($millions) | 4.8654% | 2,349 |
| Cash dividends to net income (ytd only)* | 3.9755% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 6,261 |
| Loan loss allowance to noncurrent loans | 114.0781% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 5,753 |
| Noncurrent loans to loans | 0.9047% | 5,468 |
| Net loans and leases to total assets | 66.8421% | 3,653 |
| Net loans and leases to deposits | 87.6449% | 2,241 |
| Net loans and leases to core deposits | 111.2889% | 1,079 |
| Total domestic deposits to total assets | 76.2647% | 6,635 |
| Equity capital to assets | 8.0440% | 6,705 |
| Core capital (leverage) ratio | 7.9979% | 6,278 |
| Tier 1 risk-based capital ratio | 12.1756% | 5,149 |
| Total risk-based capital ratio | 13.2581% | 5,269 |
| Memoranda: | ||
| Average total assets | $375,093,670 | 1,790 |
| Average earning assets | $352,682,000 | 1,735 |
| Average equity | $31,062,670 | 2,120 |
| Average total loans | $245,699,670 | 1,834 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 6,966 |
| Cost of funding earning assets | 1.5813% | 3,070 |
| Net interest margin | 2.8384% | 7,122 |
| Noninterest income to average assets | 0.5591% | 3,576 |
| Noninterest expense to average assets | 2.3151% | 6,337 |
| Loan and lease loss provision to assets | 0.3064% | 3,588 |
| Net operating income to assets | 0.4533% | 4,602 |
| Return on assets (ROA) | 0.4924% | 4,563 |
| Pretax return on assets | 0.6521% | 4,405 |
| Return on Equity (ROE) | 5.8549% | 3,941 |
| Retained earnings to average equity (ytd only) | 5.5947% | 2,815 |
| Net charge-offs to loans | -0.0747% | 7,460 |
| Credit loss provision to net charge-offs | -636.3636% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7487% | 3,977 |
| Assets per employee ($millions) | 4.7942% | 2,518 |
| Cash dividends to net income (ytd only)* | 4.4444% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 6,077 |
| Loan loss allowance to noncurrent loans | 201.3344% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 6,327 |
| Noncurrent loans to loans | 0.5391% | 6,211 |
| Net loans and leases to total assets | 61.7187% | 4,812 |
| Net loans and leases to deposits | 81.2549% | 3,414 |
| Net loans and leases to core deposits | 97.1433% | 2,441 |
| Total domestic deposits to total assets | 75.9569% | 6,765 |
| Equity capital to assets | 8.1686% | 6,474 |
| Core capital (leverage) ratio | 8.4039% | 5,551 |
| Tier 1 risk-based capital ratio | 12.5841% | 4,655 |
| Total risk-based capital ratio | 13.6465% | 4,783 |
| Memoranda: | ||
| Average total assets | $365,592,500 | 1,874 |
| Average earning assets | $343,006,500 | 1,823 |
| Average equity | $30,743,500 | 2,166 |
| Average total loans | $235,465,000 | 1,957 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0291% | 6,340 |
| Cost of funding earning assets | 1.9002% | 3,461 |
| Net interest margin | 3.1289% | 6,284 |
| Noninterest income to average assets | 0.7007% | 2,974 |
| Noninterest expense to average assets | 2.6238% | 5,703 |
| Loan and lease loss provision to assets | 0.2542% | 5,363 |
| Net operating income to assets | 0.5325% | 3,603 |
| Return on assets (ROA) | 0.4880% | 3,878 |
| Pretax return on assets | 0.6550% | 3,724 |
| Return on Equity (ROE) | 5.0191% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.1098% | 2,336 |
| Net charge-offs to loans | 0.1835% | 5,505 |
| Credit loss provision to net charge-offs | 194.3069% | 2,043 |
| Earnings coverage of net charge-offs (x) | 7.4109% | 2,155 |
| Efficiency ratio | 72.8846% | 4,119 |
| Assets per employee ($millions) | 5.0349% | 2,171 |
| Cash dividends to net income (ytd only)* | 18.1155% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 6,612 |
| Loan loss allowance to noncurrent loans | 228.9070% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 5,926 |
| Noncurrent loans to loans | 0.4173% | 6,441 |
| Net loans and leases to total assets | 65.9310% | 4,165 |
| Net loans and leases to deposits | 87.7100% | 2,607 |
| Net loans and leases to core deposits | 106.8800% | 3,226 |
| Total domestic deposits to total assets | 75.1694% | 6,837 |
| Equity capital to assets | 8.6678% | 5,633 |
| Core capital (leverage) ratio | 8.5530% | 5,186 |
| Tier 1 risk-based capital ratio | 12.3249% | 4,655 |
| Total risk-based capital ratio | 13.2471% | 4,905 |
| Memoranda: | ||
| Average total assets | $308,832,600 | 2,168 |
| Average earning assets | $285,499,800 | 2,158 |
| Average equity | $30,025,600 | 2,226 |
| Average total loans | $220,123,600 | 2,103 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 6,100 |
| Cost of funding earning assets | 1.9244% | 3,751 |
| Net interest margin | 3.2281% | 5,924 |
| Noninterest income to average assets | 0.7281% | 2,837 |
| Noninterest expense to average assets | 2.6484% | 5,530 |
| Loan and lease loss provision to assets | 0.2121% | 5,287 |
| Net operating income to assets | 0.6124% | 3,564 |
| Return on assets (ROA) | 0.5513% | 3,870 |
| Pretax return on assets | 0.7581% | 3,676 |
| Return on Equity (ROE) | 5.4947% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.0844% | 2,440 |
| Net charge-offs to loans | 0.1281% | 5,417 |
| Credit loss provision to net charge-offs | 227.8846% | 1,912 |
| Earnings coverage of net charge-offs (x) | 11.3220% | 1,865 |
| Efficiency ratio | 71.3889% | 4,347 |
| Assets per employee ($millions) | 5.0234% | 2,116 |
| Cash dividends to net income (ytd only)* | 7.4673% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 6,593 |
| Loan loss allowance to noncurrent loans | 63.1423% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 4,828 |
| Noncurrent loans to loans | 1.4882% | 4,433 |
| Net loans and leases to total assets | 65.6103% | 4,508 |
| Net loans and leases to deposits | 87.9435% | 2,969 |
| Net loans and leases to core deposits | 106.9465% | 3,595 |
| Total domestic deposits to total assets | 74.6051% | 6,848 |
| Equity capital to assets | 8.9148% | 5,613 |
| Core capital (leverage) ratio | 9.3132% | 4,172 |
| Tier 1 risk-based capital ratio | 12.1950% | 4,792 |
| Total risk-based capital ratio | 13.0635% | 5,085 |
| Memoranda: | ||
| Average total assets | $297,929,750 | 2,237 |
| Average earning assets | $274,497,750 | 2,231 |
| Average equity | $29,894,750 | 2,261 |
| Average total loans | $216,501,750 | 2,159 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3471% | 5,410 |
| Cost of funding earning assets | 1.9614% | 3,955 |
| Net interest margin | 3.3857% | 5,233 |
| Noninterest income to average assets | 0.7891% | 2,467 |
| Noninterest expense to average assets | 2.7363% | 5,234 |
| Loan and lease loss provision to assets | 0.2138% | 4,907 |
| Net operating income to assets | 0.6773% | 3,356 |
| Return on assets (ROA) | 0.5823% | 3,867 |
| Pretax return on assets | 0.8123% | 3,630 |
| Return on Equity (ROE) | 5.5539% | 3,837 |
| Retained earnings to average equity (ytd only) | 5.0961% | 2,457 |
| Net charge-offs to loans | 0.0028% | 6,585 |
| Credit loss provision to net charge-offs | 10,100.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 547.0000% | 54 |
| Efficiency ratio | 70.1160% | 4,754 |
| Assets per employee ($millions) | 4.5561% | 2,687 |
| Cash dividends to net income (ytd only)* | 8.2424% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 6,428 |
| Loan loss allowance to noncurrent loans | 60.6912% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.2733% | 4,392 |
| Noncurrent loans to loans | 1.6046% | 4,091 |
| Net loans and leases to total assets | 71.9537% | 3,238 |
| Net loans and leases to deposits | 91.0159% | 2,653 |
| Net loans and leases to core deposits | 111.0401% | 3,249 |
| Total domestic deposits to total assets | 79.0561% | 5,796 |
| Equity capital to assets | 9.8421% | 4,160 |
| Core capital (leverage) ratio | 10.0020% | 3,298 |
| Tier 1 risk-based capital ratio | 12.3213% | 4,655 |
| Total risk-based capital ratio | 13.2403% | 4,845 |
| Memoranda: | ||
| Average total assets | $283,377,000 | 2,353 |
| Average earning assets | $259,917,330 | 2,351 |
| Average equity | $29,709,000 | 2,289 |
| Average total loans | $213,254,670 | 2,218 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4610% | 5,118 |
| Cost of funding earning assets | 1.9788% | 4,247 |
| Net interest margin | 3.4822% | 4,799 |
| Noninterest income to average assets | 0.6049% | 3,515 |
| Noninterest expense to average assets | 2.7206% | 4,911 |
| Loan and lease loss provision to assets | 0.2217% | 4,234 |
| Net operating income to assets | 0.6049% | 3,993 |
| Return on assets (ROA) | 0.6049% | 4,184 |
| Pretax return on assets | 0.8560% | 3,868 |
| Return on Equity (ROE) | 5.5786% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.0641% | 3,084 |
| Net charge-offs to loans | -0.0440% | 7,660 |
| Credit loss provision to net charge-offs | -656.5217% | 6,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4727% | 4,274 |
| Assets per employee ($millions) | 3.8179% | 4,041 |
| Cash dividends to net income (ytd only)* | 9.2233% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 6,479 |
| Loan loss allowance to noncurrent loans | 74.8895% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.2206% | 4,241 |
| Noncurrent loans to loans | 1.2715% | 4,441 |
| Net loans and leases to total assets | 73.8858% | 2,784 |
| Net loans and leases to deposits | 94.6245% | 2,167 |
| Net loans and leases to core deposits | 119.5163% | 2,463 |
| Total domestic deposits to total assets | 78.0832% | 5,987 |
| Equity capital to assets | 10.3864% | 3,573 |
| Core capital (leverage) ratio | 10.4601% | 2,971 |
| Tier 1 risk-based capital ratio | 12.6872% | 4,402 |
| Total risk-based capital ratio | 13.5904% | 4,585 |
| Memoranda: | ||
| Average total assets | $272,436,000 | 2,441 |
| Average earning assets | $249,842,500 | 2,449 |
| Average equity | $29,541,500 | 2,313 |
| Average total loans | $208,979,500 | 2,280 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3066% | 3,928 |
| Cost of funding earning assets | 2.6376% | 3,498 |
| Net interest margin | 3.6690% | 4,602 |
| Noninterest income to average assets | 0.7130% | 3,035 |
| Noninterest expense to average assets | 2.9476% | 4,265 |
| Loan and lease loss provision to assets | 0.2479% | 4,434 |
| Net operating income to assets | 0.6397% | 4,144 |
| Return on assets (ROA) | 0.4235% | 4,878 |
| Pretax return on assets | 0.5578% | 4,825 |
| Return on Equity (ROE) | 3.6010% | 4,995 |
| Retained earnings to average equity (ytd only) | 2.3063% | 3,771 |
| Net charge-offs to loans | 0.2464% | 3,806 |
| Credit loss provision to net charge-offs | 127.0789% | 4,204 |
| Earnings coverage of net charge-offs (x) | 5.5885% | 3,594 |
| Efficiency ratio | 72.8031% | 3,798 |
| Assets per employee ($millions) | 3.4470% | 4,802 |
| Cash dividends to net income (ytd only)* | 35.9528% | 3,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 6,621 |
| Loan loss allowance to noncurrent loans | 169.7080% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 5,003 |
| Noncurrent loans to loans | 0.5363% | 5,752 |
| Net loans and leases to total assets | 78.3271% | 2,040 |
| Net loans and leases to deposits | 116.7575% | 491 |
| Net loans and leases to core deposits | 150.9441% | 818 |
| Total domestic deposits to total assets | 67.0853% | 7,567 |
| Equity capital to assets | 11.3497% | 2,753 |
| Core capital (leverage) ratio | 11.4901% | 2,258 |
| Tier 1 risk-based capital ratio | 13.3821% | 3,881 |
| Total risk-based capital ratio | 14.2650% | 4,018 |
| Memoranda: | ||
| Average total assets | $240,395,200 | 2,652 |
| Average earning assets | $217,850,600 | 2,680 |
| Average equity | $28,270,200 | 2,391 |
| Average total loans | $190,321,600 | 2,387 |