Home > National Bank of Commerce > Performance and Condition Ratios
National Bank of Commerce, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 2,305 |
| Cost of funding earning assets | 2.0666% | 2,058 |
| Net interest margin | 3.3487% | 2,396 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 2.0583% | 3,479 |
| Loan and lease loss provision to assets | 0.2900% | 427 |
| Net operating income to assets | 1.0971% | 1,752 |
| Return on assets (ROA) | 1.0734% | 1,838 |
| Pretax return on assets | 1.1401% | 2,132 |
| Return on Equity (ROE) | 11.3600% | 1,776 |
| Retained earnings to average equity (ytd only) | -8.3646% | 4,376 |
| Net charge-offs to loans | 0.1074% | 1,125 |
| Credit loss provision to net charge-offs | 366.4308% | 774 |
| Earnings coverage of net charge-offs (x) | 17.8160% | 1,913 |
| Efficiency ratio | 58.1069% | 3,344 |
| Assets per employee ($millions) | 7.7030% | 1,706 |
| Cash dividends to net income (ytd only)* | 173.6111% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 3,500 |
| Loan loss allowance to noncurrent loans | 150.4674% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 1,472 |
| Noncurrent loans to loans | 0.6252% | 1,547 |
| Net loans and leases to total assets | 76.0200% | 1,142 |
| Net loans and leases to deposits | 87.9781% | 1,398 |
| Net loans and leases to core deposits | 107.6040% | 1,044 |
| Total domestic deposits to total assets | 86.4000% | 2,081 |
| Equity capital to assets | 8.6671% | 3,062 |
| Core capital (leverage) ratio | 10.6715% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9401% | 2,738 |
| Memoranda: | ||
| Average total assets | $1,556,241,400 | 715 |
| Average earning assets | $1,478,729,400 | 689 |
| Average equity | $147,000,000 | 736 |
| Average total loans | $1,184,164,600 | 672 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6818% | 1,744 |
| Cost of funding earning assets | 2.1679% | 1,812 |
| Net interest margin | 3.5140% | 1,992 |
| Noninterest income to average assets | 0.3400% | 2,783 |
| Noninterest expense to average assets | 2.1085% | 3,311 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.4530% | 1,005 |
| Return on assets (ROA) | 1.4189% | 1,065 |
| Pretax return on assets | 1.5037% | 1,303 |
| Return on Equity (ROE) | 14.5700% | 1,031 |
| Retained earnings to average equity (ytd only) | 4.4163% | 2,689 |
| Net charge-offs to loans | 0.1619% | 709 |
| Credit loss provision to net charge-offs | 47.8528% | 2,063 |
| Earnings coverage of net charge-offs (x) | 12.9064% | 2,013 |
| Efficiency ratio | 56.6908% | 3,489 |
| Assets per employee ($millions) | 8.2202% | 1,396 |
| Cash dividends to net income (ytd only)* | 69.6933% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,111 |
| Loan loss allowance to noncurrent loans | 164.0550% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 1,471 |
| Noncurrent loans to loans | 0.6255% | 1,540 |
| Net loans and leases to total assets | 73.1500% | 1,479 |
| Net loans and leases to deposits | 87.4476% | 1,489 |
| Net loans and leases to core deposits | 116.0481% | 727 |
| Total domestic deposits to total assets | 83.6600% | 2,675 |
| Equity capital to assets | 9.7372% | 2,469 |
| Core capital (leverage) ratio | 10.2127% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6417% | 2,038 |
| Memoranda: | ||
| Average total assets | $1,415,718,500 | 763 |
| Average earning assets | $1,350,612,000 | 734 |
| Average equity | $137,850,250 | 780 |
| Average total loans | $1,073,809,500 | 712 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6416% | 1,700 |
| Cost of funding earning assets | 2.0924% | 1,893 |
| Net interest margin | 3.5492% | 1,872 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 2.0965% | 3,328 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.4992% | 908 |
| Return on assets (ROA) | 1.4468% | 1,002 |
| Pretax return on assets | 1.5300% | 1,230 |
| Return on Equity (ROE) | 14.8600% | 1,000 |
| Retained earnings to average equity (ytd only) | 4.5472% | 2,510 |
| Net charge-offs to loans | 0.0223% | 1,711 |
| Credit loss provision to net charge-offs | 243.6975% | 907 |
| Earnings coverage of net charge-offs (x) | 94.1681% | 798 |
| Efficiency ratio | 56.2018% | 3,555 |
| Assets per employee ($millions) | 8.0640% | 1,420 |
| Cash dividends to net income (ytd only)* | 69.3963% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 2,674 |
| Loan loss allowance to noncurrent loans | 140.6734% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6082% | 1,118 |
| Noncurrent loans to loans | 0.7963% | 1,168 |
| Net loans and leases to total assets | 75.5200% | 1,231 |
| Net loans and leases to deposits | 90.7743% | 1,235 |
| Net loans and leases to core deposits | 119.6095% | 644 |
| Total domestic deposits to total assets | 83.2000% | 2,826 |
| Equity capital to assets | 9.7499% | 2,232 |
| Core capital (leverage) ratio | 10.5577% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6596% | 2,005 |
| Memoranda: | ||
| Average total assets | $1,394,413,667 | 775 |
| Average earning assets | $1,329,832,000 | 745 |
| Average equity | $135,775,333 | 782 |
| Average total loans | $1,067,200,000 | 721 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 209,329.0000% | 9 |
| Cost of funding earning assets | 102.0000% | 16 |
| Net interest margin | 1.0000% | 4,510 |
| Noninterest income to average assets | 0.0010% | 4,498 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 1.5451% | 843 |
| Pretax return on assets | 1.6196% | 1,073 |
| Return on Equity (ROE) | 15.8800% | 859 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0014% | 2,162 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 6.0815% | 4,536 |
| Assets per employee ($millions) | 0.0480% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 18,648.0000% | 13 |
| Total domestic deposits to total assets | 15,169.0000% | 3 |
| Equity capital to assets | 52,157.0000% | 15 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,091,000 | 4,565 |
| Average earning assets | $11,312 | 4,541 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2864% | 1,515 |
| Cost of funding earning assets | 1.5305% | 1,862 |
| Net interest margin | 3.7559% | 1,637 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.2810% | 2,899 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.5451% | 944 |
| Return on assets (ROA) | 1.4270% | 1,136 |
| Pretax return on assets | 1.5238% | 1,368 |
| Return on Equity (ROE) | 14.6100% | 1,365 |
| Retained earnings to average equity (ytd only) | 4.4444% | 2,815 |
| Net charge-offs to loans | 0.0033% | 2,650 |
| Credit loss provision to net charge-offs | 700.0000% | 527 |
| Earnings coverage of net charge-offs (x) | 670.2424% | 213 |
| Efficiency ratio | 56.8862% | 3,408 |
| Assets per employee ($millions) | 7.7152% | 1,578 |
| Cash dividends to net income (ytd only)* | 69.5857% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 2,747 |
| Loan loss allowance to noncurrent loans | 219.5315% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 1,415 |
| Noncurrent loans to loans | 0.5090% | 1,510 |
| Net loans and leases to total assets | 76.2700% | 1,083 |
| Net loans and leases to deposits | 91.7240% | 1,119 |
| Net loans and leases to core deposits | 114.9149% | 783 |
| Total domestic deposits to total assets | 83.1500% | 2,854 |
| Equity capital to assets | 9.7322% | 2,174 |
| Core capital (leverage) ratio | 10.5698% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2412% | 2,159 |
| Memoranda: | ||
| Average total assets | $1,309,195,400 | 800 |
| Average earning assets | $1,244,299,200 | 772 |
| Average equity | $127,847,200 | 776 |
| Average total loans | $1,006,003,800 | 724 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1810% | 1,489 |
| Cost of funding earning assets | 1.3969% | 1,876 |
| Net interest margin | 3.7840% | 1,634 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.2637% | 2,906 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.6077% | 935 |
| Return on assets (ROA) | 1.4904% | 1,121 |
| Pretax return on assets | 1.5900% | 1,383 |
| Return on Equity (ROE) | 15.2500% | 1,406 |
| Retained earnings to average equity (ytd only) | 4.9483% | 2,949 |
| Net charge-offs to loans | -0.0026% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.5328% | 3,440 |
| Assets per employee ($millions) | 7.6666% | 1,530 |
| Cash dividends to net income (ytd only)* | 67.5488% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 2,507 |
| Loan loss allowance to noncurrent loans | 261.3137% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 1,623 |
| Noncurrent loans to loans | 0.4485% | 1,701 |
| Net loans and leases to total assets | 77.4600% | 951 |
| Net loans and leases to deposits | 90.9261% | 1,151 |
| Net loans and leases to core deposits | 113.5764% | 747 |
| Total domestic deposits to total assets | 85.1900% | 2,447 |
| Equity capital to assets | 9.3477% | 2,199 |
| Core capital (leverage) ratio | 10.8574% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3210% | 2,152 |
| Memoranda: | ||
| Average total assets | $1,291,239,750 | 813 |
| Average earning assets | $1,227,127,000 | 786 |
| Average equity | $126,208,000 | 779 |
| Average total loans | $991,219,250 | 731 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 1,608 |
| Cost of funding earning assets | 1.2425% | 1,874 |
| Net interest margin | 3.7263% | 1,769 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.2757% | 2,878 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.5463% | 1,025 |
| Return on assets (ROA) | 1.3510% | 1,437 |
| Pretax return on assets | 1.4493% | 1,699 |
| Return on Equity (ROE) | 13.6200% | 1,768 |
| Retained earnings to average equity (ytd only) | 3.3557% | 3,387 |
| Net charge-offs to loans | -0.0016% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.0341% | 3,409 |
| Assets per employee ($millions) | 7.3572% | 1,697 |
| Cash dividends to net income (ytd only)* | 75.3536% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 2,302 |
| Loan loss allowance to noncurrent loans | 320.6391% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 1,710 |
| Noncurrent loans to loans | 0.3830% | 1,776 |
| Net loans and leases to total assets | 77.8000% | 856 |
| Net loans and leases to deposits | 91.5736% | 1,059 |
| Net loans and leases to core deposits | 109.8744% | 830 |
| Total domestic deposits to total assets | 84.9600% | 2,547 |
| Equity capital to assets | 10.1429% | 1,775 |
| Core capital (leverage) ratio | 11.1708% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8450% | 1,961 |
| Memoranda: | ||
| Average total assets | $1,276,988,333 | 807 |
| Average earning assets | $1,211,877,000 | 783 |
| Average equity | $126,711,333 | 771 |
| Average total loans | $973,104,667 | 730 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 1,696 |
| Cost of funding earning assets | 1.0949% | 1,764 |
| Net interest margin | 3.6739% | 1,957 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.3309% | 2,723 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.2801% | 1,726 |
| Return on assets (ROA) | 1.3056% | 1,623 |
| Pretax return on assets | 1.4004% | 1,879 |
| Return on Equity (ROE) | 13.3000% | 1,930 |
| Retained earnings to average equity (ytd only) | 2.9772% | 3,513 |
| Net charge-offs to loans | 0.0033% | 1,887 |
| Credit loss provision to net charge-offs | 3,562.5000% | 125 |
| Earnings coverage of net charge-offs (x) | 586.0000% | 195 |
| Efficiency ratio | 60.8156% | 2,843 |
| Assets per employee ($millions) | 7.5675% | 1,579 |
| Cash dividends to net income (ytd only)* | 77.6212% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,367 |
| Loan loss allowance to noncurrent loans | 330.1736% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 1,763 |
| Noncurrent loans to loans | 0.3738% | 1,812 |
| Net loans and leases to total assets | 72.8100% | 1,343 |
| Net loans and leases to deposits | 90.0123% | 1,044 |
| Net loans and leases to core deposits | 106.1251% | 830 |
| Total domestic deposits to total assets | 80.8900% | 3,649 |
| Equity capital to assets | 9.6882% | 2,008 |
| Core capital (leverage) ratio | 11.1019% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1138% | 1,941 |
| Memoranda: | ||
| Average total assets | $1,282,767,000 | 822 |
| Average earning assets | $1,218,336,500 | 789 |
| Average equity | $125,891,500 | 784 |
| Average total loans | $961,287,000 | 752 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 809 |
| Cost of funding earning assets | 0.4573% | 1,667 |
| Net interest margin | 3.9872% | 806 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.3120% | 2,690 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.6992% | 541 |
| Return on assets (ROA) | 1.5383% | 772 |
| Pretax return on assets | 1.6717% | 988 |
| Return on Equity (ROE) | 14.7300% | 1,329 |
| Retained earnings to average equity (ytd only) | 6.2040% | 2,569 |
| Net charge-offs to loans | -0.0021% | 3,452 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.5943% | 3,822 |
| Assets per employee ($millions) | 7.2185% | 1,810 |
| Cash dividends to net income (ytd only)* | 57.8795% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 2,872 |
| Loan loss allowance to noncurrent loans | 218.1120% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 1,325 |
| Noncurrent loans to loans | 0.5064% | 1,437 |
| Net loans and leases to total assets | 75.3800% | 1,079 |
| Net loans and leases to deposits | 90.3554% | 1,031 |
| Net loans and leases to core deposits | 104.4402% | 808 |
| Total domestic deposits to total assets | 83.4200% | 3,332 |
| Equity capital to assets | 9.9467% | 1,734 |
| Core capital (leverage) ratio | 11.1723% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9882% | 1,984 |
| Memoranda: | ||
| Average total assets | $1,235,487,800 | 836 |
| Average earning assets | $1,170,657,800 | 809 |
| Average equity | $129,030,200 | 757 |
| Average total loans | $951,586,000 | 718 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 646 |
| Cost of funding earning assets | 0.3222% | 1,941 |
| Net interest margin | 4.0319% | 605 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.2937% | 2,643 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.7736% | 450 |
| Return on assets (ROA) | 1.7736% | 437 |
| Pretax return on assets | 1.9141% | 561 |
| Return on Equity (ROE) | 16.7800% | 838 |
| Retained earnings to average equity (ytd only) | 8.3345% | 1,873 |
| Net charge-offs to loans | -0.0057% | 3,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.6839% | 3,954 |
| Assets per employee ($millions) | 7.2587% | 1,774 |
| Cash dividends to net income (ytd only)* | 50.3325% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,316 |
| Loan loss allowance to noncurrent loans | 183.9091% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 1,243 |
| Noncurrent loans to loans | 0.5640% | 1,420 |
| Net loans and leases to total assets | 76.8500% | 824 |
| Net loans and leases to deposits | 92.1495% | 758 |
| Net loans and leases to core deposits | 103.6848% | 664 |
| Total domestic deposits to total assets | 83.3900% | 3,627 |
| Equity capital to assets | 9.4192% | 1,933 |
| Core capital (leverage) ratio | 11.1620% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5405% | 2,245 |
| Memoranda: | ||
| Average total assets | $1,232,161,250 | 840 |
| Average earning assets | $1,167,240,000 | 815 |
| Average equity | $130,234,250 | 761 |
| Average total loans | $951,529,750 | 715 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 540 |
| Cost of funding earning assets | 0.2360% | 2,439 |
| Net interest margin | 4.0438% | 451 |
| Noninterest income to average assets | 0.5002% | 2,204 |
| Noninterest expense to average assets | 2.2954% | 2,565 |
| Loan and lease loss provision to assets | 0.0876% | 1,126 |
| Net operating income to assets | 1.8149% | 328 |
| Return on assets (ROA) | 1.8149% | 324 |
| Pretax return on assets | 1.9461% | 427 |
| Return on Equity (ROE) | 16.5551% | 631 |
| Retained earnings to average equity (ytd only) | 8.3595% | 1,486 |
| Net charge-offs to loans | -0.0066% | 3,437 |
| Credit loss provision to net charge-offs | -1,729.0323% | 3,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2415% | 4,110 |
| Assets per employee ($millions) | 7.2079% | 1,806 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,436 |
| Loan loss allowance to noncurrent loans | 90.0255% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8907% | 567 |
| Noncurrent loans to loans | 1.1518% | 701 |
| Net loans and leases to total assets | 76.5259% | 681 |
| Net loans and leases to deposits | 92.8753% | 560 |
| Net loans and leases to core deposits | 103.8573% | 517 |
| Total domestic deposits to total assets | 82.3963% | 3,954 |
| Equity capital to assets | 10.1626% | 1,618 |
| Core capital (leverage) ratio | 11.0132% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6692% | 2,221 |
| Memoranda: | ||
| Average total assets | $1,224,296,667 | 842 |
| Average earning assets | $1,159,215,000 | 823 |
| Average equity | $134,218,333 | 748 |
| Average total loans | $943,660,333 | 704 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 490 |
| Cost of funding earning assets | 0.1709% | 3,208 |
| Net interest margin | 4.0607% | 367 |
| Noninterest income to average assets | 0.4685% | 2,308 |
| Noninterest expense to average assets | 2.3269% | 2,401 |
| Loan and lease loss provision to assets | 0.1518% | 519 |
| Net operating income to assets | 1.7250% | 383 |
| Return on assets (ROA) | 1.7250% | 389 |
| Pretax return on assets | 1.8371% | 505 |
| Return on Equity (ROE) | 15.1754% | 622 |
| Retained earnings to average equity (ytd only) | 7.2445% | 1,811 |
| Net charge-offs to loans | -0.0051% | 3,345 |
| Credit loss provision to net charge-offs | -3,858.3333% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1257% | 4,115 |
| Assets per employee ($millions) | 7.5315% | 1,658 |
| Cash dividends to net income (ytd only)* | 52.2615% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 3,634 |
| Loan loss allowance to noncurrent loans | 135.9672% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 1,019 |
| Noncurrent loans to loans | 0.7504% | 1,268 |
| Net loans and leases to total assets | 76.4342% | 478 |
| Net loans and leases to deposits | 94.3639% | 342 |
| Net loans and leases to core deposits | 102.2230% | 440 |
| Total domestic deposits to total assets | 80.9994% | 4,197 |
| Equity capital to assets | 10.6341% | 1,530 |
| Core capital (leverage) ratio | 11.0659% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5407% | 2,400 |
| Memoranda: | ||
| Average total assets | $1,220,173,000 | 845 |
| Average earning assets | $1,156,048,000 | 828 |
| Average equity | $138,698,000 | 749 |
| Average total loans | $938,941,500 | 694 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4730% | 624 |
| Cost of funding earning assets | 0.1814% | 3,643 |
| Net interest margin | 4.2916% | 414 |
| Noninterest income to average assets | 0.7434% | 1,615 |
| Noninterest expense to average assets | 2.5197% | 2,123 |
| Loan and lease loss provision to assets | 0.0119% | 2,845 |
| Net operating income to assets | 2.1556% | 265 |
| Return on assets (ROA) | 2.1492% | 283 |
| Pretax return on assets | 2.2665% | 363 |
| Return on Equity (ROE) | 17.5291% | 511 |
| Retained earnings to average equity (ytd only) | 9.2539% | 1,117 |
| Net charge-offs to loans | 0.0202% | 1,871 |
| Credit loss provision to net charge-offs | 76.4045% | 1,979 |
| Earnings coverage of net charge-offs (x) | 146.7865% | 672 |
| Efficiency ratio | 51.5291% | 4,155 |
| Assets per employee ($millions) | 6.8437% | 2,035 |
| Cash dividends to net income (ytd only)* | 47.2082% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,680 |
| Loan loss allowance to noncurrent loans | 106.1048% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7331% | 847 |
| Noncurrent loans to loans | 0.9562% | 1,053 |
| Net loans and leases to total assets | 75.8929% | 528 |
| Net loans and leases to deposits | 91.4479% | 503 |
| Net loans and leases to core deposits | 96.8387% | 662 |
| Total domestic deposits to total assets | 82.9903% | 3,809 |
| Equity capital to assets | 12.1276% | 1,200 |
| Core capital (leverage) ratio | 11.1063% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8603% | 2,295 |
| Memoranda: | ||
| Average total assets | $1,143,329,200 | 864 |
| Average earning assets | $1,082,041,800 | 846 |
| Average equity | $140,178,200 | 756 |
| Average total loans | $880,945,800 | 739 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 747 |
| Cost of funding earning assets | 0.1884% | 3,724 |
| Net interest margin | 4.2578% | 495 |
| Noninterest income to average assets | 0.7993% | 1,528 |
| Noninterest expense to average assets | 2.4782% | 2,184 |
| Loan and lease loss provision to assets | 0.0120% | 2,750 |
| Net operating income to assets | 2.2365% | 300 |
| Return on assets (ROA) | 2.2365% | 320 |
| Pretax return on assets | 2.3388% | 432 |
| Return on Equity (ROE) | 18.1896% | 605 |
| Retained earnings to average equity (ytd only) | 10.2231% | 1,258 |
| Net charge-offs to loans | 0.0301% | 1,449 |
| Credit loss provision to net charge-offs | 51.7766% | 1,848 |
| Earnings coverage of net charge-offs (x) | 101.1117% | 870 |
| Efficiency ratio | 50.3715% | 4,191 |
| Assets per employee ($millions) | 6.7683% | 2,038 |
| Cash dividends to net income (ytd only)* | 43.7972% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,837 |
| Loan loss allowance to noncurrent loans | 120.1271% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 1,178 |
| Noncurrent loans to loans | 0.8338% | 1,373 |
| Net loans and leases to total assets | 76.4205% | 519 |
| Net loans and leases to deposits | 92.2773% | 482 |
| Net loans and leases to core deposits | 97.1952% | 692 |
| Total domestic deposits to total assets | 82.8161% | 3,754 |
| Equity capital to assets | 11.9651% | 1,422 |
| Core capital (leverage) ratio | 10.9464% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9066% | 2,395 |
| Memoranda: | ||
| Average total assets | $1,129,747,750 | 884 |
| Average earning assets | $1,069,225,250 | 862 |
| Average equity | $138,911,000 | 772 |
| Average total loans | $871,619,500 | 759 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3841% | 867 |
| Cost of funding earning assets | 0.1990% | 3,762 |
| Net interest margin | 4.1851% | 595 |
| Noninterest income to average assets | 0.8710% | 1,351 |
| Noninterest expense to average assets | 2.5124% | 2,102 |
| Loan and lease loss provision to assets | 0.0289% | 2,402 |
| Net operating income to assets | 2.4033% | 245 |
| Return on assets (ROA) | 2.4033% | 264 |
| Pretax return on assets | 2.2853% | 495 |
| Return on Equity (ROE) | 19.3576% | 512 |
| Retained earnings to average equity (ytd only) | 12.0814% | 897 |
| Net charge-offs to loans | 0.0323% | 1,327 |
| Credit loss provision to net charge-offs | 115.9420% | 1,281 |
| Earnings coverage of net charge-offs (x) | 92.8188% | 783 |
| Efficiency ratio | 51.0837% | 4,139 |
| Assets per employee ($millions) | 6.6759% | 2,040 |
| Cash dividends to net income (ytd only)* | 37.5883% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,723 |
| Loan loss allowance to noncurrent loans | 95.8708% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 945 |
| Noncurrent loans to loans | 1.0734% | 1,129 |
| Net loans and leases to total assets | 76.7782% | 520 |
| Net loans and leases to deposits | 96.6627% | 361 |
| Net loans and leases to core deposits | 101.4882% | 609 |
| Total domestic deposits to total assets | 79.4290% | 4,298 |
| Equity capital to assets | 12.0274% | 1,348 |
| Core capital (leverage) ratio | 11.2813% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1825% | 2,298 |
| Memoranda: | ||
| Average total assets | $1,107,000,000 | 890 |
| Average earning assets | $1,046,281,333 | 870 |
| Average equity | $137,434,333 | 773 |
| Average total loans | $853,901,333 | 773 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 827 |
| Cost of funding earning assets | 0.2132% | 3,796 |
| Net interest margin | 4.2470% | 559 |
| Noninterest income to average assets | 0.9864% | 1,156 |
| Noninterest expense to average assets | 2.6307% | 1,798 |
| Loan and lease loss provision to assets | 0.0123% | 2,621 |
| Net operating income to assets | 2.6046% | 227 |
| Return on assets (ROA) | 2.6046% | 251 |
| Pretax return on assets | 2.3601% | 549 |
| Return on Equity (ROE) | 20.6269% | 495 |
| Retained earnings to average equity (ytd only) | 13.2464% | 866 |
| Net charge-offs to loans | 0.0844% | 770 |
| Credit loss provision to net charge-offs | 18.9655% | 1,426 |
| Earnings coverage of net charge-offs (x) | 36.5747% | 1,013 |
| Efficiency ratio | 51.6206% | 4,038 |
| Assets per employee ($millions) | 6.1408% | 2,466 |
| Cash dividends to net income (ytd only)* | 35.7807% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,417 |
| Loan loss allowance to noncurrent loans | 114.3690% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.7457% | 1,232 |
| Noncurrent loans to loans | 0.9643% | 1,403 |
| Net loans and leases to total assets | 76.4707% | 591 |
| Net loans and leases to deposits | 88.9652% | 765 |
| Net loans and leases to core deposits | 92.7536% | 1,060 |
| Total domestic deposits to total assets | 85.9557% | 2,752 |
| Equity capital to assets | 12.5286% | 1,070 |
| Core capital (leverage) ratio | 11.6535% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0990% | 1,871 |
| Memoranda: | ||
| Average total assets | $1,073,020,000 | 901 |
| Average earning assets | $1,014,835,500 | 882 |
| Average equity | $135,493,000 | 776 |
| Average total loans | $825,105,500 | 791 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 787 |
| Cost of funding earning assets | 0.4429% | 3,324 |
| Net interest margin | 4.3159% | 493 |
| Noninterest income to average assets | 0.8342% | 1,443 |
| Noninterest expense to average assets | 2.6992% | 2,240 |
| Loan and lease loss provision to assets | 0.4400% | 647 |
| Net operating income to assets | 1.6983% | 497 |
| Return on assets (ROA) | 1.6983% | 538 |
| Pretax return on assets | 1.7646% | 736 |
| Return on Equity (ROE) | 13.7051% | 884 |
| Retained earnings to average equity (ytd only) | 5.8413% | 1,877 |
| Net charge-offs to loans | 0.1140% | 1,340 |
| Credit loss provision to net charge-offs | 486.0065% | 1,276 |
| Earnings coverage of net charge-offs (x) | 24.3520% | 1,774 |
| Efficiency ratio | 53.8432% | 4,229 |
| Assets per employee ($millions) | 5.9181% | 2,415 |
| Cash dividends to net income (ytd only)* | 57.3789% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 3,216 |
| Loan loss allowance to noncurrent loans | 113.2793% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 1,304 |
| Noncurrent loans to loans | 1.0142% | 1,400 |
| Net loans and leases to total assets | 75.5831% | 832 |
| Net loans and leases to deposits | 89.5109% | 959 |
| Net loans and leases to core deposits | 92.5213% | 1,340 |
| Total domestic deposits to total assets | 84.4401% | 2,973 |
| Equity capital to assets | 12.7274% | 1,215 |
| Core capital (leverage) ratio | 11.3950% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7963% | 1,930 |
| Memoranda: | ||
| Average total assets | $1,026,174,000 | 863 |
| Average earning assets | $967,624,600 | 844 |
| Average equity | $127,164,400 | 778 |
| Average total loans | $814,799,000 | 772 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 1,170 |
| Cost of funding earning assets | 0.5018% | 3,208 |
| Net interest margin | 4.1554% | 802 |
| Noninterest income to average assets | 0.7766% | 1,582 |
| Noninterest expense to average assets | 2.7130% | 2,224 |
| Loan and lease loss provision to assets | 0.5658% | 468 |
| Net operating income to assets | 1.4145% | 1,069 |
| Return on assets (ROA) | 1.4145% | 1,157 |
| Pretax return on assets | 1.4152% | 1,677 |
| Return on Equity (ROE) | 11.4960% | 1,516 |
| Retained earnings to average equity (ytd only) | 3.5001% | 3,302 |
| Net charge-offs to loans | 0.1404% | 1,037 |
| Credit loss provision to net charge-offs | 502.6807% | 1,272 |
| Earnings coverage of net charge-offs (x) | 17.6002% | 2,004 |
| Efficiency ratio | 56.4961% | 3,862 |
| Assets per employee ($millions) | 5.8029% | 2,444 |
| Cash dividends to net income (ytd only)* | 69.5539% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 3,168 |
| Loan loss allowance to noncurrent loans | 169.1476% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 2,134 |
| Noncurrent loans to loans | 0.6547% | 2,152 |
| Net loans and leases to total assets | 76.7505% | 992 |
| Net loans and leases to deposits | 91.4475% | 1,116 |
| Net loans and leases to core deposits | 94.7329% | 1,573 |
| Total domestic deposits to total assets | 83.9285% | 2,841 |
| Equity capital to assets | 12.1073% | 1,618 |
| Core capital (leverage) ratio | 10.9796% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2481% | 1,749 |
| Memoranda: | ||
| Average total assets | $1,016,402,000 | 854 |
| Average earning assets | $958,180,000 | 837 |
| Average equity | $125,060,500 | 783 |
| Average total loans | $814,869,750 | 765 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 1,279 |
| Cost of funding earning assets | 0.5838% | 3,051 |
| Net interest margin | 4.1670% | 985 |
| Noninterest income to average assets | 0.6754% | 1,829 |
| Noninterest expense to average assets | 2.7446% | 2,240 |
| Loan and lease loss provision to assets | 0.6992% | 395 |
| Net operating income to assets | 1.1557% | 1,779 |
| Return on assets (ROA) | 1.1557% | 1,912 |
| Pretax return on assets | 1.1561% | 2,522 |
| Return on Equity (ROE) | 9.3387% | 2,232 |
| Retained earnings to average equity (ytd only) | 1.2364% | 4,032 |
| Net charge-offs to loans | 0.1704% | 874 |
| Credit loss provision to net charge-offs | 506.0958% | 1,221 |
| Earnings coverage of net charge-offs (x) | 13.4282% | 1,994 |
| Efficiency ratio | 58.3112% | 3,654 |
| Assets per employee ($millions) | 5.6128% | 2,529 |
| Cash dividends to net income (ytd only)* | 86.7604% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 3,470 |
| Loan loss allowance to noncurrent loans | 81.2553% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0191% | 1,174 |
| Noncurrent loans to loans | 1.2553% | 1,241 |
| Net loans and leases to total assets | 79.2300% | 691 |
| Net loans and leases to deposits | 94.3939% | 923 |
| Net loans and leases to core deposits | 99.5837% | 1,288 |
| Total domestic deposits to total assets | 83.9355% | 2,766 |
| Equity capital to assets | 12.0706% | 1,620 |
| Core capital (leverage) ratio | 11.0885% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1242% | 1,755 |
| Memoranda: | ||
| Average total assets | $997,358,667 | 856 |
| Average earning assets | $939,325,333 | 840 |
| Average equity | $123,422,000 | 782 |
| Average total loans | $808,770,333 | 763 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 1,213 |
| Cost of funding earning assets | 0.7080% | 2,901 |
| Net interest margin | 4.1846% | 951 |
| Noninterest income to average assets | 0.4926% | 2,584 |
| Noninterest expense to average assets | 2.7791% | 2,489 |
| Loan and lease loss provision to assets | 0.9044% | 255 |
| Net operating income to assets | 0.7500% | 3,093 |
| Return on assets (ROA) | 0.7500% | 3,171 |
| Pretax return on assets | 0.7500% | 3,546 |
| Return on Equity (ROE) | 5.9810% | 3,323 |
| Retained earnings to average equity (ytd only) | -2.2301% | 4,278 |
| Net charge-offs to loans | 0.0348% | 1,716 |
| Credit loss provision to net charge-offs | 3,182.6087% | 245 |
| Earnings coverage of net charge-offs (x) | 58.2174% | 817 |
| Efficiency ratio | 61.2448% | 3,584 |
| Assets per employee ($millions) | 5.1514% | 2,479 |
| Cash dividends to net income (ytd only)* | 137.2872% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,563 |
| Loan loss allowance to noncurrent loans | 121.9358% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 1,760 |
| Noncurrent loans to loans | 0.8421% | 1,929 |
| Net loans and leases to total assets | 80.3225% | 661 |
| Net loans and leases to deposits | 97.1330% | 805 |
| Net loans and leases to core deposits | 107.8126% | 953 |
| Total domestic deposits to total assets | 82.6933% | 3,208 |
| Equity capital to assets | 12.8937% | 1,490 |
| Core capital (leverage) ratio | 11.3979% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0476% | 2,267 |
| Memoranda: | ||
| Average total assets | $971,237,500 | 845 |
| Average earning assets | $914,696,000 | 827 |
| Average equity | $121,786,500 | 782 |
| Average total loans | $793,071,000 | 757 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 1,901 |
| Cost of funding earning assets | 0.7639% | 2,852 |
| Net interest margin | 4.0842% | 1,581 |
| Noninterest income to average assets | 0.8298% | 1,361 |
| Noninterest expense to average assets | 2.8356% | 2,489 |
| Loan and lease loss provision to assets | 0.1155% | 1,826 |
| Net operating income to assets | 1.6956% | 664 |
| Return on assets (ROA) | 1.6956% | 707 |
| Pretax return on assets | 1.6982% | 1,194 |
| Return on Equity (ROE) | 13.8379% | 934 |
| Retained earnings to average equity (ytd only) | -7.5176% | 5,035 |
| Net charge-offs to loans | 0.0139% | 3,203 |
| Credit loss provision to net charge-offs | 1,106.9444% | 314 |
| Earnings coverage of net charge-offs (x) | 173.7639% | 436 |
| Efficiency ratio | 60.6654% | 3,594 |
| Assets per employee ($millions) | 6.2555% | 1,448 |
| Cash dividends to net income (ytd only)* | 154.3263% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 4,561 |
| Loan loss allowance to noncurrent loans | 108.5575% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 2,023 |
| Noncurrent loans to loans | 0.6509% | 2,264 |
| Net loans and leases to total assets | 81.5518% | 607 |
| Net loans and leases to deposits | 98.7870% | 691 |
| Net loans and leases to core deposits | 116.2871% | 584 |
| Total domestic deposits to total assets | 82.5532% | 3,345 |
| Equity capital to assets | 12.2016% | 2,011 |
| Core capital (leverage) ratio | 12.3939% | 1,541 |
| Tier 1 risk-based capital ratio | 12.6099% | 4,006 |
| Total risk-based capital ratio | 13.2769% | 4,220 |
| Memoranda: | ||
| Average total assets | $689,803,200 | 1,082 |
| Average earning assets | $645,088,600 | 1,071 |
| Average equity | $84,521,800 | 1,037 |
| Average total loans | $517,574,400 | 1,046 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 1,986 |
| Cost of funding earning assets | 0.7824% | 2,799 |
| Net interest margin | 4.0636% | 1,719 |
| Noninterest income to average assets | 0.7234% | 1,688 |
| Noninterest expense to average assets | 2.7946% | 2,573 |
| Loan and lease loss provision to assets | 0.1512% | 1,248 |
| Net operating income to assets | 1.5602% | 1,030 |
| Return on assets (ROA) | 1.5602% | 1,084 |
| Pretax return on assets | 1.5625% | 1,775 |
| Return on Equity (ROE) | 12.7112% | 1,383 |
| Retained earnings to average equity (ytd only) | 2.8857% | 3,938 |
| Net charge-offs to loans | 0.0123% | 2,921 |
| Credit loss provision to net charge-offs | 1,697.5610% | 227 |
| Earnings coverage of net charge-offs (x) | 192.3494% | 450 |
| Efficiency ratio | 61.9867% | 3,327 |
| Assets per employee ($millions) | 5.1934% | 2,346 |
| Cash dividends to net income (ytd only)* | 77.2981% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,080 |
| Loan loss allowance to noncurrent loans | 101.0635% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 1,339 |
| Noncurrent loans to loans | 1.2641% | 1,236 |
| Net loans and leases to total assets | 69.5446% | 2,542 |
| Net loans and leases to deposits | 82.4642% | 2,623 |
| Net loans and leases to core deposits | 98.9502% | 1,749 |
| Total domestic deposits to total assets | 84.3332% | 2,699 |
| Equity capital to assets | 12.3583% | 2,005 |
| Core capital (leverage) ratio | 11.5765% | 2,162 |
| Tier 1 risk-based capital ratio | 14.1714% | 3,237 |
| Total risk-based capital ratio | 15.3202% | 3,200 |
| Memoranda: | ||
| Average total assets | $613,598,250 | 1,203 |
| Average earning assets | $571,524,500 | 1,204 |
| Average equity | $75,312,250 | 1,138 |
| Average total loans | $442,741,750 | 1,181 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 1,800 |
| Cost of funding earning assets | 0.8064% | 2,609 |
| Net interest margin | 4.0794% | 1,673 |
| Noninterest income to average assets | 0.6587% | 1,878 |
| Noninterest expense to average assets | 2.7901% | 2,627 |
| Loan and lease loss provision to assets | 0.2610% | 580 |
| Net operating income to assets | 1.4094% | 1,413 |
| Return on assets (ROA) | 1.4094% | 1,463 |
| Pretax return on assets | 1.4117% | 2,162 |
| Return on Equity (ROE) | 11.5104% | 1,779 |
| Retained earnings to average equity (ytd only) | 1.5528% | 4,271 |
| Net charge-offs to loans | 0.0154% | 2,589 |
| Credit loss provision to net charge-offs | 2,329.4118% | 159 |
| Earnings coverage of net charge-offs (x) | 149.2941% | 501 |
| Efficiency ratio | 62.5194% | 3,350 |
| Assets per employee ($millions) | 4.9316% | 2,562 |
| Cash dividends to net income (ytd only)* | 86.5092% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 2,026 |
| Loan loss allowance to noncurrent loans | 92.7316% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.1330% | 1,188 |
| Noncurrent loans to loans | 1.3992% | 1,110 |
| Net loans and leases to total assets | 73.3965% | 1,989 |
| Net loans and leases to deposits | 87.7958% | 2,030 |
| Net loans and leases to core deposits | 108.4283% | 1,070 |
| Total domestic deposits to total assets | 83.5991% | 3,010 |
| Equity capital to assets | 12.6819% | 1,753 |
| Core capital (leverage) ratio | 11.6793% | 2,034 |
| Tier 1 risk-based capital ratio | 13.7891% | 3,431 |
| Total risk-based capital ratio | 14.9440% | 3,380 |
| Memoranda: | ||
| Average total assets | $606,931,330 | 1,212 |
| Average earning assets | $565,968,670 | 1,212 |
| Average equity | $74,315,670 | 1,147 |
| Average total loans | $441,543,670 | 1,182 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 1,608 |
| Cost of funding earning assets | 0.7590% | 2,748 |
| Net interest margin | 4.1345% | 1,467 |
| Noninterest income to average assets | 0.5328% | 2,371 |
| Noninterest expense to average assets | 2.8742% | 2,347 |
| Loan and lease loss provision to assets | 0.1070% | 1,668 |
| Net operating income to assets | 1.4095% | 1,350 |
| Return on assets (ROA) | 1.4095% | 1,375 |
| Pretax return on assets | 1.4122% | 2,042 |
| Return on Equity (ROE) | 11.7181% | 1,647 |
| Retained earnings to average equity (ytd only) | 1.6257% | 4,161 |
| Net charge-offs to loans | 0.0009% | 2,728 |
| Credit loss provision to net charge-offs | 16,300.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 2,315.0000% | 11 |
| Efficiency ratio | 65.4220% | 3,022 |
| Assets per employee ($millions) | 4.8247% | 2,755 |
| Cash dividends to net income (ytd only)* | 86.1266% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 2,663 |
| Loan loss allowance to noncurrent loans | 123.0860% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.7878% | 1,790 |
| Noncurrent loans to loans | 0.9629% | 1,732 |
| Net loans and leases to total assets | 71.4379% | 2,268 |
| Net loans and leases to deposits | 83.3856% | 2,456 |
| Net loans and leases to core deposits | 103.3793% | 1,360 |
| Total domestic deposits to total assets | 85.6718% | 2,413 |
| Equity capital to assets | 12.2334% | 1,890 |
| Core capital (leverage) ratio | 11.3221% | 2,270 |
| Tier 1 risk-based capital ratio | 13.9523% | 3,360 |
| Total risk-based capital ratio | 15.0088% | 3,373 |
| Memoranda: | ||
| Average total assets | $609,566,500 | 1,211 |
| Average earning assets | $569,161,500 | 1,209 |
| Average equity | $73,322,500 | 1,164 |
| Average total loans | $438,614,000 | 1,191 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 1,718 |
| Cost of funding earning assets | 0.6683% | 2,280 |
| Net interest margin | 4.0665% | 1,782 |
| Noninterest income to average assets | 0.7243% | 1,754 |
| Noninterest expense to average assets | 2.7922% | 2,717 |
| Loan and lease loss provision to assets | -0.0381% | 5,167 |
| Net operating income to assets | 1.7613% | 601 |
| Return on assets (ROA) | 1.7340% | 634 |
| Pretax return on assets | 1.7364% | 1,076 |
| Return on Equity (ROE) | 14.7575% | 886 |
| Retained earnings to average equity (ytd only) | 2.2852% | 4,242 |
| Net charge-offs to loans | 0.0178% | 3,100 |
| Credit loss provision to net charge-offs | -285.3659% | 4,531 |
| Earnings coverage of net charge-offs (x) | 129.2439% | 620 |
| Efficiency ratio | 61.8035% | 3,565 |
| Assets per employee ($millions) | 4.7751% | 2,781 |
| Cash dividends to net income (ytd only)* | 84.5150% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 2,815 |
| Loan loss allowance to noncurrent loans | 111.4374% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 1,719 |
| Noncurrent loans to loans | 1.0346% | 1,586 |
| Net loans and leases to total assets | 70.7915% | 2,445 |
| Net loans and leases to deposits | 82.2834% | 2,697 |
| Net loans and leases to core deposits | 102.6278% | 1,531 |
| Total domestic deposits to total assets | 86.0337% | 2,212 |
| Equity capital to assets | 11.8250% | 2,013 |
| Core capital (leverage) ratio | 11.2079% | 2,346 |
| Tier 1 risk-based capital ratio | 14.0285% | 3,275 |
| Total risk-based capital ratio | 15.0645% | 3,307 |
| Memoranda: | ||
| Average total assets | $614,139,400 | 1,177 |
| Average earning assets | $572,930,200 | 1,174 |
| Average equity | $72,160,000 | 1,128 |
| Average total loans | $460,412,400 | 1,129 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 1,667 |
| Cost of funding earning assets | 0.6598% | 2,092 |
| Net interest margin | 4.0433% | 1,810 |
| Noninterest income to average assets | 0.7412% | 1,711 |
| Noninterest expense to average assets | 2.7353% | 2,860 |
| Loan and lease loss provision to assets | 0.0074% | 3,826 |
| Net operating income to assets | 1.7692% | 640 |
| Return on assets (ROA) | 1.7380% | 695 |
| Pretax return on assets | 1.7397% | 1,178 |
| Return on Equity (ROE) | 14.8153% | 917 |
| Retained earnings to average equity (ytd only) | 6.4973% | 2,386 |
| Net charge-offs to loans | 0.0031% | 3,360 |
| Credit loss provision to net charge-offs | 309.0909% | 1,001 |
| Earnings coverage of net charge-offs (x) | 745.3572% | 115 |
| Efficiency ratio | 60.6005% | 3,725 |
| Assets per employee ($millions) | 4.8830% | 2,616 |
| Cash dividends to net income (ytd only)* | 56.1447% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,499 |
| Loan loss allowance to noncurrent loans | 84.2220% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.0477% | 1,385 |
| Noncurrent loans to loans | 1.4498% | 1,133 |
| Net loans and leases to total assets | 71.3824% | 2,429 |
| Net loans and leases to deposits | 83.5603% | 2,647 |
| Net loans and leases to core deposits | 105.1816% | 1,362 |
| Total domestic deposits to total assets | 85.4262% | 2,443 |
| Equity capital to assets | 11.9713% | 1,928 |
| Core capital (leverage) ratio | 11.5661% | 2,121 |
| Tier 1 risk-based capital ratio | 14.3128% | 3,206 |
| Total risk-based capital ratio | 15.4092% | 3,207 |
| Memoranda: | ||
| Average total assets | $614,870,500 | 1,180 |
| Average earning assets | $573,676,000 | 1,175 |
| Average equity | $72,131,000 | 1,130 |
| Average total loans | $466,081,750 | 1,114 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 1,616 |
| Cost of funding earning assets | 0.6635% | 1,848 |
| Net interest margin | 3.9967% | 1,875 |
| Noninterest income to average assets | 0.7190% | 1,798 |
| Noninterest expense to average assets | 2.7227% | 2,930 |
| Loan and lease loss provision to assets | 0.0925% | 2,066 |
| Net operating income to assets | 1.6318% | 843 |
| Return on assets (ROA) | 1.6198% | 883 |
| Pretax return on assets | 1.6211% | 1,435 |
| Return on Equity (ROE) | 13.9017% | 1,099 |
| Retained earnings to average equity (ytd only) | 5.5473% | 2,798 |
| Net charge-offs to loans | 0.0097% | 2,790 |
| Credit loss provision to net charge-offs | 1,239.1304% | 338 |
| Earnings coverage of net charge-offs (x) | 231.2174% | 383 |
| Efficiency ratio | 61.2080% | 3,739 |
| Assets per employee ($millions) | 4.9228% | 2,522 |
| Cash dividends to net income (ytd only)* | 60.0962% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,691 |
| Loan loss allowance to noncurrent loans | 92.1527% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 1,473 |
| Noncurrent loans to loans | 1.3056% | 1,307 |
| Net loans and leases to total assets | 75.6677% | 1,688 |
| Net loans and leases to deposits | 93.2107% | 1,445 |
| Net loans and leases to core deposits | 118.7865% | 601 |
| Total domestic deposits to total assets | 81.1792% | 3,947 |
| Equity capital to assets | 11.8596% | 1,952 |
| Core capital (leverage) ratio | 11.3817% | 2,176 |
| Tier 1 risk-based capital ratio | 13.5578% | 3,587 |
| Total risk-based capital ratio | 14.6641% | 3,586 |
| Memoranda: | ||
| Average total assets | $616,370,670 | 1,180 |
| Average earning assets | $575,124,670 | 1,171 |
| Average equity | $71,818,330 | 1,134 |
| Average total loans | $474,414,670 | 1,102 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 1,616 |
| Cost of funding earning assets | 0.6279% | 1,861 |
| Net interest margin | 3.9567% | 1,853 |
| Noninterest income to average assets | 0.7201% | 1,746 |
| Noninterest expense to average assets | 2.6738% | 3,124 |
| Loan and lease loss provision to assets | 0.2138% | 750 |
| Net operating income to assets | 1.5313% | 1,004 |
| Return on assets (ROA) | 1.5313% | 1,010 |
| Pretax return on assets | 1.5320% | 1,591 |
| Return on Equity (ROE) | 13.2588% | 1,196 |
| Retained earnings to average equity (ytd only) | 4.8707% | 3,237 |
| Net charge-offs to loans | -0.0377% | 4,843 |
| Credit loss provision to net charge-offs | -735.5556% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4998% | 4,004 |
| Assets per employee ($millions) | 4.9938% | 2,505 |
| Cash dividends to net income (ytd only)* | 63.2644% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 2,798 |
| Loan loss allowance to noncurrent loans | 84.5463% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.0962% | 1,416 |
| Noncurrent loans to loans | 1.4206% | 1,249 |
| Net loans and leases to total assets | 76.2386% | 1,501 |
| Net loans and leases to deposits | 98.4939% | 826 |
| Net loans and leases to core deposits | 123.6677% | 482 |
| Total domestic deposits to total assets | 77.4044% | 4,815 |
| Equity capital to assets | 11.5099% | 2,123 |
| Core capital (leverage) ratio | 11.1491% | 2,279 |
| Tier 1 risk-based capital ratio | 13.0370% | 3,929 |
| Total risk-based capital ratio | 14.1442% | 3,899 |
| Memoranda: | ||
| Average total assets | $619,340,000 | 1,186 |
| Average earning assets | $579,072,500 | 1,171 |
| Average equity | $71,530,000 | 1,145 |
| Average total loans | $477,859,500 | 1,102 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 1,047 |
| Cost of funding earning assets | 0.5454% | 1,986 |
| Net interest margin | 4.2186% | 1,150 |
| Noninterest income to average assets | 0.7828% | 1,638 |
| Noninterest expense to average assets | 2.8641% | 2,566 |
| Loan and lease loss provision to assets | 0.1643% | 1,351 |
| Net operating income to assets | 1.6856% | 541 |
| Return on assets (ROA) | 1.6816% | 561 |
| Pretax return on assets | 1.6848% | 1,044 |
| Return on Equity (ROE) | 13.9391% | 770 |
| Retained earnings to average equity (ytd only) | 2.6822% | 3,709 |
| Net charge-offs to loans | 0.1512% | 1,592 |
| Credit loss provision to net charge-offs | 143.0657% | 1,852 |
| Earnings coverage of net charge-offs (x) | 16.1358% | 2,199 |
| Efficiency ratio | 60.7158% | 4,156 |
| Assets per employee ($millions) | 4.9163% | 2,580 |
| Cash dividends to net income (ytd only)* | 80.7577% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,230 |
| Loan loss allowance to noncurrent loans | 89.1456% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 1,568 |
| Noncurrent loans to loans | 1.2589% | 1,398 |
| Net loans and leases to total assets | 76.2814% | 1,545 |
| Net loans and leases to deposits | 94.4191% | 1,231 |
| Net loans and leases to core deposits | 121.2969% | 545 |
| Total domestic deposits to total assets | 80.7902% | 4,172 |
| Equity capital to assets | 11.5889% | 2,124 |
| Core capital (leverage) ratio | 10.9489% | 2,385 |
| Tier 1 risk-based capital ratio | 12.8545% | 4,001 |
| Total risk-based capital ratio | 13.8998% | 4,009 |
| Memoranda: | ||
| Average total assets | $596,448,400 | 1,202 |
| Average earning assets | $556,271,600 | 1,196 |
| Average equity | $71,955,800 | 1,106 |
| Average total loans | $452,900,200 | 1,124 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8169% | 896 |
| Cost of funding earning assets | 0.5172% | 2,132 |
| Net interest margin | 4.2997% | 923 |
| Noninterest income to average assets | 0.8031% | 1,574 |
| Noninterest expense to average assets | 2.8643% | 2,523 |
| Loan and lease loss provision to assets | 0.1991% | 955 |
| Net operating income to assets | 1.7452% | 528 |
| Return on assets (ROA) | 1.7615% | 525 |
| Pretax return on assets | 1.7640% | 972 |
| Return on Equity (ROE) | 14.4519% | 743 |
| Retained earnings to average equity (ytd only) | 6.3037% | 2,055 |
| Net charge-offs to loans | 0.0430% | 2,577 |
| Credit loss provision to net charge-offs | 612.5000% | 536 |
| Earnings coverage of net charge-offs (x) | 59.8943% | 993 |
| Efficiency ratio | 59.5355% | 4,289 |
| Assets per employee ($millions) | 4.6568% | 2,896 |
| Cash dividends to net income (ytd only)* | 56.3814% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,678 |
| Loan loss allowance to noncurrent loans | 76.8498% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 1,294 |
| Noncurrent loans to loans | 1.6174% | 1,132 |
| Net loans and leases to total assets | 75.6183% | 1,657 |
| Net loans and leases to deposits | 91.8876% | 1,583 |
| Net loans and leases to core deposits | 117.8410% | 661 |
| Total domestic deposits to total assets | 82.2943% | 3,685 |
| Equity capital to assets | 12.0926% | 1,905 |
| Core capital (leverage) ratio | 11.5652% | 1,975 |
| Tier 1 risk-based capital ratio | 13.4870% | 3,716 |
| Total risk-based capital ratio | 14.6271% | 3,694 |
| Memoranda: | ||
| Average total assets | $590,697,000 | 1,222 |
| Average earning assets | $550,625,250 | 1,213 |
| Average equity | $71,997,750 | 1,112 |
| Average total loans | $446,652,500 | 1,142 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9490% | 619 |
| Cost of funding earning assets | 0.4942% | 2,216 |
| Net interest margin | 4.4549% | 629 |
| Noninterest income to average assets | 0.8014% | 1,569 |
| Noninterest expense to average assets | 2.8943% | 2,443 |
| Loan and lease loss provision to assets | 0.1742% | 1,104 |
| Net operating income to assets | 1.8807% | 387 |
| Return on assets (ROA) | 1.8807% | 399 |
| Pretax return on assets | 1.8834% | 685 |
| Return on Equity (ROE) | 15.3878% | 609 |
| Retained earnings to average equity (ytd only) | 6.9853% | 1,599 |
| Net charge-offs to loans | 0.0591% | 2,089 |
| Credit loss provision to net charge-offs | 391.5385% | 794 |
| Earnings coverage of net charge-offs (x) | 46.2385% | 1,139 |
| Efficiency ratio | 58.4474% | 4,539 |
| Assets per employee ($millions) | 4.4826% | 3,137 |
| Cash dividends to net income (ytd only)* | 54.6050% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,913 |
| Loan loss allowance to noncurrent loans | 92.1970% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0516% | 1,666 |
| Noncurrent loans to loans | 1.3200% | 1,466 |
| Net loans and leases to total assets | 75.2927% | 1,647 |
| Net loans and leases to deposits | 89.6205% | 1,787 |
| Net loans and leases to core deposits | 116.8598% | 687 |
| Total domestic deposits to total assets | 84.0129% | 3,191 |
| Equity capital to assets | 12.4377% | 1,654 |
| Core capital (leverage) ratio | 11.7941% | 1,772 |
| Tier 1 risk-based capital ratio | 13.8252% | 3,520 |
| Total risk-based capital ratio | 14.9338% | 3,518 |
| Memoranda: | ||
| Average total assets | $584,251,000 | 1,240 |
| Average earning assets | $544,347,670 | 1,226 |
| Average equity | $71,407,330 | 1,118 |
| Average total loans | $439,835,330 | 1,161 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 312 |
| Cost of funding earning assets | 0.4542% | 2,491 |
| Net interest margin | 4.8549% | 283 |
| Noninterest income to average assets | 0.5848% | 2,489 |
| Noninterest expense to average assets | 2.8354% | 2,666 |
| Loan and lease loss provision to assets | 0.0721% | 2,365 |
| Net operating income to assets | 2.2012% | 227 |
| Return on assets (ROA) | 2.2012% | 231 |
| Pretax return on assets | 2.2040% | 354 |
| Return on Equity (ROE) | 18.1718% | 329 |
| Retained earnings to average equity (ytd only) | 9.1057% | 1,042 |
| Net charge-offs to loans | 0.0551% | 1,786 |
| Credit loss provision to net charge-offs | 175.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 55.2667% | 846 |
| Efficiency ratio | 55.4720% | 4,995 |
| Assets per employee ($millions) | 4.6363% | 2,945 |
| Cash dividends to net income (ytd only)* | 49.8909% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 3,368 |
| Loan loss allowance to noncurrent loans | 183.4589% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 3,039 |
| Noncurrent loans to loans | 0.6316% | 2,935 |
| Net loans and leases to total assets | 75.2518% | 1,540 |
| Net loans and leases to deposits | 94.6886% | 1,047 |
| Net loans and leases to core deposits | 117.9642% | 528 |
| Total domestic deposits to total assets | 79.4729% | 4,717 |
| Equity capital to assets | 12.3101% | 1,654 |
| Core capital (leverage) ratio | 11.6693% | 1,845 |
| Tier 1 risk-based capital ratio | 14.1516% | 3,383 |
| Total risk-based capital ratio | 15.2316% | 3,404 |
| Memoranda: | ||
| Average total assets | $582,768,500 | 1,238 |
| Average earning assets | $543,365,500 | 1,230 |
| Average equity | $70,593,000 | 1,126 |
| Average total loans | $435,964,000 | 1,170 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 1,255 |
| Cost of funding earning assets | 0.4747% | 2,310 |
| Net interest margin | 4.1363% | 1,283 |
| Noninterest income to average assets | 0.8838% | 1,467 |
| Noninterest expense to average assets | 2.9183% | 2,610 |
| Loan and lease loss provision to assets | 0.0911% | 2,535 |
| Net operating income to assets | 1.7136% | 526 |
| Return on assets (ROA) | 1.7421% | 522 |
| Pretax return on assets | 1.7467% | 900 |
| Return on Equity (ROE) | 13.5084% | 875 |
| Retained earnings to average equity (ytd only) | 1.5686% | 4,629 |
| Net charge-offs to loans | 0.0947% | 2,350 |
| Credit loss provision to net charge-offs | 130.7888% | 2,055 |
| Earnings coverage of net charge-offs (x) | 25.9669% | 1,566 |
| Efficiency ratio | 61.7289% | 4,301 |
| Assets per employee ($millions) | 4.7258% | 2,748 |
| Cash dividends to net income (ytd only)* | 88.3880% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 3,265 |
| Loan loss allowance to noncurrent loans | 101.7671% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 2,106 |
| Noncurrent loans to loans | 1.1563% | 1,774 |
| Net loans and leases to total assets | 72.6339% | 2,075 |
| Net loans and leases to deposits | 83.3360% | 2,495 |
| Net loans and leases to core deposits | 108.5777% | 988 |
| Total domestic deposits to total assets | 87.1579% | 2,052 |
| Equity capital to assets | 11.9189% | 1,867 |
| Core capital (leverage) ratio | 11.4163% | 1,998 |
| Tier 1 risk-based capital ratio | 14.1948% | 3,352 |
| Total risk-based capital ratio | 15.3396% | 3,331 |
| Memoranda: | ||
| Average total assets | $564,032,600 | 1,237 |
| Average earning assets | $524,134,000 | 1,223 |
| Average equity | $72,739,800 | 1,088 |
| Average total loans | $414,978,800 | 1,170 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6504% | 1,187 |
| Cost of funding earning assets | 0.4823% | 2,236 |
| Net interest margin | 4.1680% | 1,208 |
| Noninterest income to average assets | 0.8897% | 1,445 |
| Noninterest expense to average assets | 2.9206% | 2,576 |
| Loan and lease loss provision to assets | 0.0547% | 3,168 |
| Net operating income to assets | 1.7810% | 506 |
| Return on assets (ROA) | 1.8555% | 463 |
| Pretax return on assets | 1.8608% | 783 |
| Return on Equity (ROE) | 14.1073% | 801 |
| Retained earnings to average equity (ytd only) | 8.4593% | 990 |
| Net charge-offs to loans | 0.0665% | 2,385 |
| Credit loss provision to net charge-offs | 111.7073% | 2,205 |
| Earnings coverage of net charge-offs (x) | 37.6190% | 1,285 |
| Efficiency ratio | 61.3375% | 4,330 |
| Assets per employee ($millions) | 4.7665% | 2,660 |
| Cash dividends to net income (ytd only)* | 40.0360% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 3,455 |
| Loan loss allowance to noncurrent loans | 105.6985% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8562% | 2,417 |
| Noncurrent loans to loans | 1.1018% | 2,049 |
| Net loans and leases to total assets | 73.1464% | 2,004 |
| Net loans and leases to deposits | 89.3945% | 1,831 |
| Net loans and leases to core deposits | 110.6780% | 877 |
| Total domestic deposits to total assets | 81.8243% | 3,991 |
| Equity capital to assets | 13.1911% | 1,394 |
| Core capital (leverage) ratio | 12.2455% | 1,518 |
| Tier 1 risk-based capital ratio | 15.1080% | 2,994 |
| Total risk-based capital ratio | 16.2396% | 2,984 |
| Memoranda: | ||
| Average total assets | $558,541,750 | 1,248 |
| Average earning assets | $518,857,250 | 1,234 |
| Average equity | $73,463,750 | 1,084 |
| Average total loans | $411,048,500 | 1,182 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6014% | 1,260 |
| Cost of funding earning assets | 0.4950% | 2,142 |
| Net interest margin | 4.1064% | 1,351 |
| Noninterest income to average assets | 0.8142% | 1,660 |
| Noninterest expense to average assets | 2.8859% | 2,724 |
| Loan and lease loss provision to assets | 0.1415% | 1,606 |
| Net operating income to assets | 1.5957% | 733 |
| Return on assets (ROA) | 1.7087% | 601 |
| Pretax return on assets | 1.7137% | 1,060 |
| Return on Equity (ROE) | 13.0042% | 1,029 |
| Retained earnings to average equity (ytd only) | 7.3562% | 1,449 |
| Net charge-offs to loans | 0.0232% | 3,030 |
| Credit loss provision to net charge-offs | 831.9149% | 433 |
| Earnings coverage of net charge-offs (x) | 102.4043% | 565 |
| Efficiency ratio | 62.3543% | 4,289 |
| Assets per employee ($millions) | 4.7946% | 2,569 |
| Cash dividends to net income (ytd only)* | 43.4322% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,968 |
| Loan loss allowance to noncurrent loans | 92.5647% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.0601% | 2,004 |
| Noncurrent loans to loans | 1.3700% | 1,635 |
| Net loans and leases to total assets | 73.4334% | 1,941 |
| Net loans and leases to deposits | 97.7906% | 909 |
| Net loans and leases to core deposits | 117.5970% | 589 |
| Total domestic deposits to total assets | 75.0925% | 5,398 |
| Equity capital to assets | 13.3440% | 1,308 |
| Core capital (leverage) ratio | 11.7985% | 1,773 |
| Tier 1 risk-based capital ratio | 14.9825% | 3,087 |
| Total risk-based capital ratio | 16.1701% | 3,056 |
| Memoranda: | ||
| Average total assets | $552,474,670 | 1,262 |
| Average earning assets | $513,149,000 | 1,254 |
| Average equity | $72,592,000 | 1,099 |
| Average total loans | $405,785,330 | 1,196 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4580% | 1,637 |
| Cost of funding earning assets | 0.5038% | 2,076 |
| Net interest margin | 3.9542% | 1,769 |
| Noninterest income to average assets | 0.7792% | 1,695 |
| Noninterest expense to average assets | 2.9090% | 2,677 |
| Loan and lease loss provision to assets | -0.0314% | 5,926 |
| Net operating income to assets | 1.5709% | 748 |
| Return on assets (ROA) | 1.7985% | 499 |
| Pretax return on assets | 1.8058% | 841 |
| Return on Equity (ROE) | 13.7979% | 876 |
| Retained earnings to average equity (ytd only) | 8.2732% | 1,347 |
| Net charge-offs to loans | 0.0250% | 2,434 |
| Credit loss provision to net charge-offs | -172.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | 84.8000% | 604 |
| Efficiency ratio | 65.2857% | 3,926 |
| Assets per employee ($millions) | 4.5700% | 2,955 |
| Cash dividends to net income (ytd only)* | 40.0406% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 3,375 |
| Loan loss allowance to noncurrent loans | 85.1335% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 1,923 |
| Noncurrent loans to loans | 1.4306% | 1,658 |
| Net loans and leases to total assets | 72.7680% | 1,908 |
| Net loans and leases to deposits | 92.6322% | 1,271 |
| Net loans and leases to core deposits | 111.0951% | 801 |
| Total domestic deposits to total assets | 78.5559% | 5,052 |
| Equity capital to assets | 13.2682% | 1,284 |
| Core capital (leverage) ratio | 12.0843% | 1,555 |
| Tier 1 risk-based capital ratio | 15.4079% | 2,970 |
| Total risk-based capital ratio | 16.5527% | 2,957 |
| Memoranda: | ||
| Average total assets | $548,226,500 | 1,271 |
| Average earning assets | $509,733,500 | 1,266 |
| Average equity | $71,460,000 | 1,107 |
| Average total loans | $400,062,500 | 1,202 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 1,096 |
| Cost of funding earning assets | 0.4962% | 2,188 |
| Net interest margin | 4.2086% | 1,153 |
| Noninterest income to average assets | 0.6902% | 2,250 |
| Noninterest expense to average assets | 2.8239% | 3,135 |
| Loan and lease loss provision to assets | -0.0130% | 5,639 |
| Net operating income to assets | 1.7833% | 498 |
| Return on assets (ROA) | 1.8228% | 478 |
| Pretax return on assets | 1.8257% | 764 |
| Return on Equity (ROE) | 14.1423% | 821 |
| Retained earnings to average equity (ytd only) | 3.2576% | 3,734 |
| Net charge-offs to loans | 0.0185% | 3,906 |
| Credit loss provision to net charge-offs | -98.6111% | 5,142 |
| Earnings coverage of net charge-offs (x) | 134.0278% | 460 |
| Efficiency ratio | 60.6323% | 4,814 |
| Assets per employee ($millions) | 4.5671% | 2,930 |
| Cash dividends to net income (ytd only)* | 76.9657% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 3,258 |
| Loan loss allowance to noncurrent loans | 81.6202% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.1930% | 1,817 |
| Noncurrent loans to loans | 1.5171% | 1,533 |
| Net loans and leases to total assets | 71.3985% | 2,149 |
| Net loans and leases to deposits | 83.6594% | 2,400 |
| Net loans and leases to core deposits | 104.3025% | 1,204 |
| Total domestic deposits to total assets | 85.3443% | 2,926 |
| Equity capital to assets | 12.8051% | 1,460 |
| Core capital (leverage) ratio | 11.6453% | 1,855 |
| Tier 1 risk-based capital ratio | 15.1573% | 3,101 |
| Total risk-based capital ratio | 16.3227% | 3,077 |
| Memoranda: | ||
| Average total assets | $544,220,200 | 1,249 |
| Average earning assets | $505,201,800 | 1,235 |
| Average equity | $70,144,000 | 1,088 |
| Average total loans | $389,131,000 | 1,188 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7104% | 1,079 |
| Cost of funding earning assets | 0.5010% | 2,198 |
| Net interest margin | 4.2094% | 1,143 |
| Noninterest income to average assets | 0.6788% | 2,335 |
| Noninterest expense to average assets | 2.8143% | 3,128 |
| Loan and lease loss provision to assets | -0.0794% | 5,971 |
| Net operating income to assets | 1.8448% | 470 |
| Return on assets (ROA) | 1.8977% | 449 |
| Pretax return on assets | 1.9004% | 717 |
| Return on Equity (ROE) | 14.6991% | 771 |
| Retained earnings to average equity (ytd only) | 3.3833% | 4,063 |
| Net charge-offs to loans | -0.0155% | 5,119 |
| Credit loss provision to net charge-offs | 717.7778% | 485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3478% | 4,838 |
| Assets per employee ($millions) | 4.5940% | 2,844 |
| Cash dividends to net income (ytd only)* | 76.9829% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 3,415 |
| Loan loss allowance to noncurrent loans | 74.9416% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.2970% | 1,805 |
| Noncurrent loans to loans | 1.6583% | 1,476 |
| Net loans and leases to total assets | 68.2285% | 2,644 |
| Net loans and leases to deposits | 84.6716% | 2,320 |
| Net loans and leases to core deposits | 100.1868% | 1,495 |
| Total domestic deposits to total assets | 80.5802% | 4,585 |
| Equity capital to assets | 12.4906% | 1,746 |
| Core capital (leverage) ratio | 11.6156% | 1,943 |
| Tier 1 risk-based capital ratio | 15.1675% | 3,205 |
| Total risk-based capital ratio | 16.3171% | 3,200 |
| Memoranda: | ||
| Average total assets | $542,119,000 | 1,260 |
| Average earning assets | $502,732,500 | 1,250 |
| Average equity | $69,989,000 | 1,096 |
| Average total loans | $386,535,500 | 1,193 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 1,107 |
| Cost of funding earning assets | 0.5062% | 2,197 |
| Net interest margin | 4.1765% | 1,159 |
| Noninterest income to average assets | 0.6235% | 2,609 |
| Noninterest expense to average assets | 2.8463% | 3,079 |
| Loan and lease loss provision to assets | -0.1604% | 6,147 |
| Net operating income to assets | 1.8015% | 515 |
| Return on assets (ROA) | 1.8817% | 459 |
| Pretax return on assets | 1.8847% | 755 |
| Return on Equity (ROE) | 14.4120% | 833 |
| Retained earnings to average equity (ytd only) | 7.7247% | 1,380 |
| Net charge-offs to loans | -0.0637% | 5,631 |
| Credit loss provision to net charge-offs | 349.5935% | 832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1489% | 4,657 |
| Assets per employee ($millions) | 4.4555% | 3,056 |
| Cash dividends to net income (ytd only)* | 46.4010% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 3,595 |
| Loan loss allowance to noncurrent loans | 98.8019% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.0508% | 2,406 |
| Noncurrent loans to loans | 1.2500% | 2,158 |
| Net loans and leases to total assets | 71.5422% | 2,068 |
| Net loans and leases to deposits | 91.6925% | 1,402 |
| Net loans and leases to core deposits | 110.8340% | 790 |
| Total domestic deposits to total assets | 78.0240% | 5,281 |
| Equity capital to assets | 13.1695% | 1,315 |
| Core capital (leverage) ratio | 12.3727% | 1,447 |
| Tier 1 risk-based capital ratio | 15.4348% | 3,138 |
| Total risk-based capital ratio | 16.5899% | 3,122 |
| Memoranda: | ||
| Average total assets | $536,002,670 | 1,278 |
| Average earning assets | $496,254,330 | 1,268 |
| Average equity | $69,983,330 | 1,102 |
| Average total loans | $386,310,330 | 1,193 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 1,216 |
| Cost of funding earning assets | 0.5197% | 2,116 |
| Net interest margin | 4.0802% | 1,333 |
| Noninterest income to average assets | 0.6768% | 2,270 |
| Noninterest expense to average assets | 2.8800% | 2,969 |
| Loan and lease loss provision to assets | -0.1193% | 6,220 |
| Net operating income to assets | 1.6986% | 587 |
| Return on assets (ROA) | 1.7098% | 605 |
| Pretax return on assets | 1.7135% | 1,026 |
| Return on Equity (ROE) | 13.1520% | 1,047 |
| Retained earnings to average equity (ytd only) | 5.9855% | 2,513 |
| Net charge-offs to loans | 0.0653% | 2,086 |
| Credit loss provision to net charge-offs | -253.9683% | 4,671 |
| Earnings coverage of net charge-offs (x) | 33.7143% | 1,075 |
| Efficiency ratio | 63.2766% | 4,592 |
| Assets per employee ($millions) | 4.5809% | 2,923 |
| Cash dividends to net income (ytd only)* | 54.4900% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 3,614 |
| Loan loss allowance to noncurrent loans | 86.2790% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 2,200 |
| Noncurrent loans to loans | 1.4639% | 1,940 |
| Net loans and leases to total assets | 71.5986% | 1,877 |
| Net loans and leases to deposits | 90.9688% | 1,298 |
| Net loans and leases to core deposits | 110.0653% | 743 |
| Total domestic deposits to total assets | 78.7068% | 5,317 |
| Equity capital to assets | 13.2403% | 1,285 |
| Core capital (leverage) ratio | 11.7203% | 1,838 |
| Tier 1 risk-based capital ratio | 15.3482% | 3,229 |
| Total risk-based capital ratio | 16.5853% | 3,168 |
| Memoranda: | ||
| Average total assets | $536,673,500 | 1,276 |
| Average earning assets | $498,012,500 | 1,269 |
| Average equity | $69,769,000 | 1,107 |
| Average total loans | $385,820,000 | 1,200 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 1,378 |
| Cost of funding earning assets | 0.5279% | 2,408 |
| Net interest margin | 4.1392% | 1,466 |
| Noninterest income to average assets | 0.7641% | 2,017 |
| Noninterest expense to average assets | 2.8533% | 3,289 |
| Loan and lease loss provision to assets | 0.0087% | 4,452 |
| Net operating income to assets | 1.7240% | 554 |
| Return on assets (ROA) | 1.7452% | 536 |
| Pretax return on assets | 1.7473% | 897 |
| Return on Equity (ROE) | 14.0373% | 929 |
| Retained earnings to average equity (ytd only) | 7.0696% | 1,374 |
| Net charge-offs to loans | 0.0313% | 4,203 |
| Credit loss provision to net charge-offs | 39.3162% | 3,688 |
| Earnings coverage of net charge-offs (x) | 78.4103% | 636 |
| Efficiency ratio | 60.9570% | 5,079 |
| Assets per employee ($millions) | 4.7540% | 2,653 |
| Cash dividends to net income (ytd only)* | 49.6370% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 3,331 |
| Loan loss allowance to noncurrent loans | 75.2291% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.4101% | 1,965 |
| Noncurrent loans to loans | 1.7515% | 1,648 |
| Net loans and leases to total assets | 70.3405% | 2,185 |
| Net loans and leases to deposits | 83.2892% | 2,298 |
| Net loans and leases to core deposits | 105.7362% | 1,031 |
| Total domestic deposits to total assets | 84.4533% | 3,529 |
| Equity capital to assets | 12.7649% | 1,490 |
| Core capital (leverage) ratio | 11.7790% | 1,777 |
| Tier 1 risk-based capital ratio | 15.9436% | 2,989 |
| Total risk-based capital ratio | 17.1952% | 2,937 |
| Memoranda: | ||
| Average total assets | $528,824,400 | 1,271 |
| Average earning assets | $488,544,800 | 1,260 |
| Average equity | $65,746,400 | 1,120 |
| Average total loans | $373,246,000 | 1,184 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 1,316 |
| Cost of funding earning assets | 0.5347% | 2,421 |
| Net interest margin | 4.1613% | 1,392 |
| Noninterest income to average assets | 0.7745% | 1,993 |
| Noninterest expense to average assets | 2.8780% | 3,205 |
| Loan and lease loss provision to assets | -0.0152% | 6,101 |
| Net operating income to assets | 1.7485% | 561 |
| Return on assets (ROA) | 1.7675% | 557 |
| Pretax return on assets | 1.7693% | 944 |
| Return on Equity (ROE) | 14.3156% | 931 |
| Retained earnings to average equity (ytd only) | 7.0109% | 1,817 |
| Net charge-offs to loans | 0.0216% | 4,081 |
| Credit loss provision to net charge-offs | -100.0000% | 5,447 |
| Earnings coverage of net charge-offs (x) | 113.9805% | 519 |
| Efficiency ratio | 61.1560% | 5,015 |
| Assets per employee ($millions) | 4.4880% | 2,994 |
| Cash dividends to net income (ytd only)* | 51.0263% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 3,439 |
| Loan loss allowance to noncurrent loans | 80.5272% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.3818% | 2,237 |
| Noncurrent loans to loans | 1.6667% | 1,960 |
| Net loans and leases to total assets | 71.1745% | 1,998 |
| Net loans and leases to deposits | 89.1441% | 1,533 |
| Net loans and leases to core deposits | 107.9655% | 857 |
| Total domestic deposits to total assets | 79.8421% | 5,137 |
| Equity capital to assets | 13.0155% | 1,416 |
| Core capital (leverage) ratio | 11.8250% | 1,814 |
| Tier 1 risk-based capital ratio | 16.0108% | 3,052 |
| Total risk-based capital ratio | 17.2623% | 3,008 |
| Memoranda: | ||
| Average total assets | $525,540,250 | 1,287 |
| Average earning assets | $484,772,000 | 1,277 |
| Average equity | $64,887,750 | 1,140 |
| Average total loans | $369,980,500 | 1,200 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 1,370 |
| Cost of funding earning assets | 0.5377% | 2,458 |
| Net interest margin | 4.1235% | 1,441 |
| Noninterest income to average assets | 0.7462% | 2,064 |
| Noninterest expense to average assets | 2.8734% | 3,255 |
| Loan and lease loss provision to assets | -0.0326% | 6,268 |
| Net operating income to assets | 1.7030% | 575 |
| Return on assets (ROA) | 1.7315% | 574 |
| Pretax return on assets | 1.7334% | 957 |
| Return on Equity (ROE) | 14.2780% | 905 |
| Retained earnings to average equity (ytd only) | 6.5665% | 1,999 |
| Net charge-offs to loans | 0.0016% | 4,342 |
| Credit loss provision to net charge-offs | -2,866.6667% | 5,857 |
| Earnings coverage of net charge-offs (x) | 1,469.3333% | 29 |
| Efficiency ratio | 61.9680% | 5,009 |
| Assets per employee ($millions) | 4.4203% | 3,052 |
| Cash dividends to net income (ytd only)* | 54.0096% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 3,455 |
| Loan loss allowance to noncurrent loans | 77.2464% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.3957% | 2,345 |
| Noncurrent loans to loans | 1.7853% | 1,927 |
| Net loans and leases to total assets | 71.3524% | 1,853 |
| Net loans and leases to deposits | 92.1714% | 1,126 |
| Net loans and leases to core deposits | 113.0491% | 568 |
| Total domestic deposits to total assets | 77.4128% | 5,735 |
| Equity capital to assets | 12.9879% | 1,377 |
| Core capital (leverage) ratio | 11.7635% | 1,815 |
| Tier 1 risk-based capital ratio | 15.9970% | 3,087 |
| Total risk-based capital ratio | 17.2487% | 3,024 |
| Memoranda: | ||
| Average total assets | $527,184,000 | 1,274 |
| Average earning assets | $485,755,670 | 1,269 |
| Average equity | $63,930,330 | 1,150 |
| Average total loans | $368,113,330 | 1,203 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 1,627 |
| Cost of funding earning assets | 0.5573% | 2,370 |
| Net interest margin | 3.9969% | 1,775 |
| Noninterest income to average assets | 0.5702% | 2,915 |
| Noninterest expense to average assets | 3.0160% | 2,816 |
| Loan and lease loss provision to assets | -0.0522% | 6,452 |
| Net operating income to assets | 1.2993% | 1,212 |
| Return on assets (ROA) | 1.3224% | 1,206 |
| Pretax return on assets | 1.3239% | 2,012 |
| Return on Equity (ROE) | 11.2842% | 1,609 |
| Retained earnings to average equity (ytd only) | 0.5343% | 5,366 |
| Net charge-offs to loans | -0.0054% | 4,837 |
| Credit loss provision to net charge-offs | 1,400.0000% | 239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4109% | 3,932 |
| Assets per employee ($millions) | 4.4008% | 3,149 |
| Cash dividends to net income (ytd only)* | 95.2649% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 3,713 |
| Loan loss allowance to noncurrent loans | 71.6535% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.5741% | 2,244 |
| Noncurrent loans to loans | 1.9203% | 1,967 |
| Net loans and leases to total assets | 70.9388% | 1,733 |
| Net loans and leases to deposits | 92.8565% | 886 |
| Net loans and leases to core deposits | 113.0926% | 490 |
| Total domestic deposits to total assets | 76.3963% | 6,042 |
| Equity capital to assets | 12.3114% | 1,681 |
| Core capital (leverage) ratio | 10.8936% | 2,496 |
| Tier 1 risk-based capital ratio | 15.3323% | 3,530 |
| Total risk-based capital ratio | 16.5842% | 3,488 |
| Memoranda: | ||
| Average total assets | $536,608,000 | 1,262 |
| Average earning assets | $495,984,000 | 1,250 |
| Average equity | $62,884,500 | 1,165 |
| Average total loans | $368,279,000 | 1,200 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7542% | 1,432 |
| Cost of funding earning assets | 0.6376% | 2,316 |
| Net interest margin | 4.1167% | 1,603 |
| Noninterest income to average assets | 0.6238% | 2,952 |
| Noninterest expense to average assets | 2.7078% | 4,066 |
| Loan and lease loss provision to assets | -0.0080% | 6,267 |
| Net operating income to assets | 1.7218% | 560 |
| Return on assets (ROA) | 1.7184% | 583 |
| Pretax return on assets | 1.7209% | 907 |
| Return on Equity (ROE) | 14.2185% | 901 |
| Retained earnings to average equity (ytd only) | 1.7734% | 4,970 |
| Net charge-offs to loans | 0.0512% | 4,501 |
| Credit loss provision to net charge-offs | -22.1053% | 5,720 |
| Earnings coverage of net charge-offs (x) | 47.6263% | 825 |
| Efficiency ratio | 59.9228% | 5,485 |
| Assets per employee ($millions) | 4.8131% | 2,428 |
| Cash dividends to net income (ytd only)* | 87.5276% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 3,604 |
| Loan loss allowance to noncurrent loans | 77.4111% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 2,696 |
| Noncurrent loans to loans | 1.8206% | 2,210 |
| Net loans and leases to total assets | 64.6654% | 2,926 |
| Net loans and leases to deposits | 75.0588% | 3,091 |
| Net loans and leases to core deposits | 100.1120% | 1,149 |
| Total domestic deposits to total assets | 86.1529% | 3,177 |
| Equity capital to assets | 11.1725% | 2,451 |
| Core capital (leverage) ratio | 10.9820% | 2,404 |
| Tier 1 risk-based capital ratio | 15.4297% | 3,415 |
| Total risk-based capital ratio | 16.6816% | 3,363 |
| Memoranda: | ||
| Average total assets | $527,225,800 | 1,260 |
| Average earning assets | $486,702,800 | 1,256 |
| Average equity | $63,719,800 | 1,125 |
| Average total loans | $371,218,400 | 1,149 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 1,241 |
| Cost of funding earning assets | 0.6590% | 2,280 |
| Net interest margin | 4.1917% | 1,365 |
| Noninterest income to average assets | 0.6199% | 3,039 |
| Noninterest expense to average assets | 2.6807% | 4,092 |
| Loan and lease loss provision to assets | -0.0878% | 6,610 |
| Net operating income to assets | 1.8884% | 444 |
| Return on assets (ROA) | 1.8655% | 474 |
| Pretax return on assets | 1.8683% | 762 |
| Return on Equity (ROE) | 15.1282% | 780 |
| Retained earnings to average equity (ytd only) | 4.3253% | 3,596 |
| Net charge-offs to loans | 0.0018% | 5,186 |
| Credit loss provision to net charge-offs | -6,840.0000% | 6,373 |
| Earnings coverage of net charge-offs (x) | 1,404.4633% | 21 |
| Efficiency ratio | 58.5003% | 5,628 |
| Assets per employee ($millions) | 4.3547% | 3,128 |
| Cash dividends to net income (ytd only)* | 71.4090% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 3,950 |
| Loan loss allowance to noncurrent loans | 72.5104% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 1.5388% | 2,626 |
| Noncurrent loans to loans | 1.9133% | 2,346 |
| Net loans and leases to total assets | 69.2149% | 2,098 |
| Net loans and leases to deposits | 85.1485% | 1,725 |
| Net loans and leases to core deposits | 110.5864% | 556 |
| Total domestic deposits to total assets | 81.2874% | 5,143 |
| Equity capital to assets | 12.3001% | 1,712 |
| Core capital (leverage) ratio | 11.3832% | 2,140 |
| Tier 1 risk-based capital ratio | 16.0043% | 3,192 |
| Total risk-based capital ratio | 17.2589% | 3,146 |
| Memoranda: | ||
| Average total assets | $519,452,500 | 1,286 |
| Average earning assets | $478,875,000 | 1,286 |
| Average equity | $64,055,250 | 1,133 |
| Average total loans | $372,473,000 | 1,144 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 1,201 |
| Cost of funding earning assets | 0.6711% | 2,305 |
| Net interest margin | 4.1845% | 1,318 |
| Noninterest income to average assets | 0.6163% | 3,098 |
| Noninterest expense to average assets | 2.6588% | 4,188 |
| Loan and lease loss provision to assets | 0.0404% | 4,147 |
| Net operating income to assets | 1.7766% | 544 |
| Return on assets (ROA) | 1.7424% | 631 |
| Pretax return on assets | 1.7451% | 1,024 |
| Return on Equity (ROE) | 14.1178% | 983 |
| Retained earnings to average equity (ytd only) | 5.5143% | 2,731 |
| Net charge-offs to loans | 0.0826% | 3,544 |
| Credit loss provision to net charge-offs | 67.7419% | 2,877 |
| Earnings coverage of net charge-offs (x) | 30.5161% | 1,130 |
| Efficiency ratio | 58.0878% | 5,723 |
| Assets per employee ($millions) | 4.4075% | 2,972 |
| Cash dividends to net income (ytd only)* | 60.9406% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 3,823 |
| Loan loss allowance to noncurrent loans | 82.4537% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.4206% | 2,968 |
| Noncurrent loans to loans | 1.7548% | 2,692 |
| Net loans and leases to total assets | 71.1802% | 1,693 |
| Net loans and leases to deposits | 87.7342% | 1,374 |
| Net loans and leases to core deposits | 115.8215% | 395 |
| Total domestic deposits to total assets | 81.1316% | 5,304 |
| Equity capital to assets | 12.4343% | 1,618 |
| Core capital (leverage) ratio | 11.4687% | 1,957 |
| Tier 1 risk-based capital ratio | 15.7452% | 3,337 |
| Total risk-based capital ratio | 16.9979% | 3,285 |
| Memoranda: | ||
| Average total assets | $519,868,000 | 1,288 |
| Average earning assets | $479,814,670 | 1,281 |
| Average equity | $64,160,330 | 1,136 |
| Average total loans | $375,390,000 | 1,134 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 1,563 |
| Cost of funding earning assets | 0.6932% | 2,279 |
| Net interest margin | 3.9979% | 1,795 |
| Noninterest income to average assets | 0.5777% | 3,259 |
| Noninterest expense to average assets | 2.5923% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6697% | 629 |
| Return on assets (ROA) | 1.6018% | 771 |
| Pretax return on assets | 1.6056% | 1,296 |
| Return on Equity (ROE) | 13.0263% | 1,160 |
| Retained earnings to average equity (ytd only) | 3.9036% | 3,890 |
| Net charge-offs to loans | 0.0095% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 243.6667% | 161 |
| Efficiency ratio | 59.4275% | 5,664 |
| Assets per employee ($millions) | 4.7550% | 2,560 |
| Cash dividends to net income (ytd only)* | 70.0333% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 4,138 |
| Loan loss allowance to noncurrent loans | 83.7586% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.3961% | 3,179 |
| Noncurrent loans to loans | 1.6944% | 3,002 |
| Net loans and leases to total assets | 71.5032% | 1,433 |
| Net loans and leases to deposits | 89.9223% | 974 |
| Net loans and leases to core deposits | 115.1839% | 365 |
| Total domestic deposits to total assets | 79.5167% | 5,868 |
| Equity capital to assets | 12.3400% | 1,815 |
| Core capital (leverage) ratio | 11.1412% | 2,145 |
| Tier 1 risk-based capital ratio | 14.9632% | 3,863 |
| Total risk-based capital ratio | 16.2182% | 3,822 |
| Memoranda: | ||
| Average total assets | $524,165,500 | 1,290 |
| Average earning assets | $483,558,000 | 1,282 |
| Average equity | $64,454,000 | 1,141 |
| Average total loans | $378,451,000 | 1,128 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9953% | 1,569 |
| Cost of funding earning assets | 0.9691% | 1,534 |
| Net interest margin | 4.0262% | 2,284 |
| Noninterest income to average assets | 0.5874% | 3,349 |
| Noninterest expense to average assets | 2.6243% | 4,661 |
| Loan and lease loss provision to assets | 0.2747% | 2,452 |
| Net operating income to assets | 1.0525% | 2,111 |
| Return on assets (ROA) | 0.8535% | 3,271 |
| Pretax return on assets | 1.1224% | 3,073 |
| Return on Equity (ROE) | 6.8886% | 3,707 |
| Retained earnings to average equity (ytd only) | 1.0472% | 5,351 |
| Net charge-offs to loans | -0.1315% | 6,883 |
| Credit loss provision to net charge-offs | -301.2821% | 6,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9090% | 5,555 |
| Assets per employee ($millions) | 5.0999% | 2,101 |
| Cash dividends to net income (ytd only)* | 84.7980% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 4,019 |
| Loan loss allowance to noncurrent loans | 82.7020% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.4880% | 3,154 |
| Noncurrent loans to loans | 1.7273% | 3,021 |
| Net loans and leases to total assets | 70.8435% | 1,674 |
| Net loans and leases to deposits | 87.9555% | 1,280 |
| Net loans and leases to core deposits | 107.8672% | 615 |
| Total domestic deposits to total assets | 80.5447% | 5,531 |
| Equity capital to assets | 12.2531% | 1,888 |
| Core capital (leverage) ratio | 10.9031% | 2,341 |
| Tier 1 risk-based capital ratio | 14.6676% | 3,916 |
| Total risk-based capital ratio | 15.9224% | 3,875 |
| Memoranda: | ||
| Average total assets | $513,280,400 | 1,303 |
| Average earning assets | $471,166,400 | 1,295 |
| Average equity | $63,597,600 | 1,111 |
| Average total loans | $355,930,200 | 1,172 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 1,825 |
| Cost of funding earning assets | 1.0403% | 1,337 |
| Net interest margin | 3.9113% | 2,877 |
| Noninterest income to average assets | 0.5814% | 3,399 |
| Noninterest expense to average assets | 2.6236% | 4,661 |
| Loan and lease loss provision to assets | 0.0836% | 4,571 |
| Net operating income to assets | 1.0002% | 2,496 |
| Return on assets (ROA) | 0.7776% | 3,810 |
| Pretax return on assets | 1.1363% | 3,202 |
| Return on Equity (ROE) | 6.2579% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.4834% | 5,088 |
| Net charge-offs to loans | -0.1297% | 6,917 |
| Credit loss provision to net charge-offs | -93.8416% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4985% | 5,228 |
| Assets per employee ($millions) | 4.9975% | 2,198 |
| Cash dividends to net income (ytd only)* | 60.3158% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 5,566 |
| Loan loss allowance to noncurrent loans | 56.7777% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 1.9424% | 2,724 |
| Noncurrent loans to loans | 2.0041% | 2,838 |
| Net loans and leases to total assets | 71.8819% | 1,570 |
| Net loans and leases to deposits | 90.9052% | 1,056 |
| Net loans and leases to core deposits | 110.9270% | 538 |
| Total domestic deposits to total assets | 79.0735% | 5,856 |
| Equity capital to assets | 12.9406% | 1,620 |
| Core capital (leverage) ratio | 11.3068% | 2,131 |
| Tier 1 risk-based capital ratio | 14.9571% | 3,874 |
| Total risk-based capital ratio | 16.0863% | 3,913 |
| Memoranda: | ||
| Average total assets | $510,279,000 | 1,325 |
| Average earning assets | $468,311,750 | 1,320 |
| Average equity | $63,406,000 | 1,131 |
| Average total loans | $350,531,750 | 1,198 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 2,166 |
| Cost of funding earning assets | 1.1067% | 1,192 |
| Net interest margin | 3.7801% | 3,454 |
| Noninterest income to average assets | 0.6104% | 3,193 |
| Noninterest expense to average assets | 2.6322% | 4,676 |
| Loan and lease loss provision to assets | 0.0773% | 4,649 |
| Net operating income to assets | 0.6976% | 3,879 |
| Return on assets (ROA) | 0.4132% | 5,400 |
| Pretax return on assets | 0.9287% | 3,968 |
| Return on Equity (ROE) | 3.3711% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.3037% | 5,040 |
| Net charge-offs to loans | -0.1432% | 6,934 |
| Credit loss provision to net charge-offs | -80.1619% | 6,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0476% | 5,071 |
| Assets per employee ($millions) | 4.8510% | 2,359 |
| Cash dividends to net income (ytd only)* | 31.6635% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 5,771 |
| Loan loss allowance to noncurrent loans | 47.8839% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 2.3785% | 2,347 |
| Noncurrent loans to loans | 2.2984% | 2,608 |
| Net loans and leases to total assets | 71.9191% | 1,568 |
| Net loans and leases to deposits | 89.7391% | 1,167 |
| Net loans and leases to core deposits | 116.2871% | 386 |
| Total domestic deposits to total assets | 80.1424% | 5,706 |
| Equity capital to assets | 13.0408% | 1,498 |
| Core capital (leverage) ratio | 11.3843% | 1,981 |
| Tier 1 risk-based capital ratio | 15.0954% | 3,713 |
| Total risk-based capital ratio | 16.1800% | 3,762 |
| Memoranda: | ||
| Average total assets | $512,124,330 | 1,322 |
| Average earning assets | $470,412,330 | 1,316 |
| Average equity | $62,769,000 | 1,136 |
| Average total loans | $345,044,000 | 1,218 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 2,701 |
| Cost of funding earning assets | 1.2011% | 982 |
| Net interest margin | 3.5815% | 4,346 |
| Noninterest income to average assets | 0.6513% | 2,920 |
| Noninterest expense to average assets | 2.6353% | 4,683 |
| Loan and lease loss provision to assets | 0.1191% | 3,859 |
| Net operating income to assets | -0.0010% | 6,420 |
| Return on assets (ROA) | -0.3126% | 6,754 |
| Pretax return on assets | 0.7012% | 4,785 |
| Return on Equity (ROE) | -2.6305% | 6,731 |
| Retained earnings to average equity (ytd only) | -2.6305% | 6,352 |
| Net charge-offs to loans | -0.0154% | 6,091 |
| Credit loss provision to net charge-offs | -1,192.3077% | 5,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4004% | 4,670 |
| Assets per employee ($millions) | 4.7806% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 5,989 |
| Loan loss allowance to noncurrent loans | 41.5829% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 2.5347% | 2,337 |
| Noncurrent loans to loans | 2.5843% | 2,522 |
| Net loans and leases to total assets | 67.5446% | 2,197 |
| Net loans and leases to deposits | 82.1424% | 1,921 |
| Net loans and leases to core deposits | 111.3309% | 486 |
| Total domestic deposits to total assets | 82.2286% | 5,219 |
| Equity capital to assets | 12.4632% | 1,745 |
| Core capital (leverage) ratio | 10.5637% | 2,681 |
| Tier 1 risk-based capital ratio | 15.0677% | 3,710 |
| Total risk-based capital ratio | 16.1065% | 3,818 |
| Memoranda: | ||
| Average total assets | $520,785,500 | 1,306 |
| Average earning assets | $478,567,500 | 1,297 |
| Average equity | $61,890,500 | 1,144 |
| Average total loans | $337,657,500 | 1,254 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 3,860 |
| Cost of funding earning assets | 1.3301% | 1,343 |
| Net interest margin | 3.4602% | 5,286 |
| Noninterest income to average assets | 0.4795% | 3,995 |
| Noninterest expense to average assets | 2.9487% | 3,777 |
| Loan and lease loss provision to assets | -0.0637% | 7,255 |
| Net operating income to assets | 0.4655% | 4,562 |
| Return on assets (ROA) | 0.3480% | 5,237 |
| Pretax return on assets | 0.5691% | 4,786 |
| Return on Equity (ROE) | 2.9778% | 5,295 |
| Retained earnings to average equity (ytd only) | -0.2784% | 5,901 |
| Net charge-offs to loans | 0.8876% | 1,958 |
| Credit loss provision to net charge-offs | -11.1148% | 6,619 |
| Earnings coverage of net charge-offs (x) | 1.2014% | 4,885 |
| Efficiency ratio | 67.9151% | 4,378 |
| Assets per employee ($millions) | 5.1392% | 2,010 |
| Cash dividends to net income (ytd only)* | 109.3494% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 5,974 |
| Loan loss allowance to noncurrent loans | 40.2220% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 2.3465% | 2,580 |
| Noncurrent loans to loans | 2.6276% | 2,480 |
| Net loans and leases to total assets | 60.9829% | 3,788 |
| Net loans and leases to deposits | 73.2011% | 3,633 |
| Net loans and leases to core deposits | 102.5019% | 997 |
| Total domestic deposits to total assets | 83.3087% | 4,620 |
| Equity capital to assets | 11.3454% | 2,646 |
| Core capital (leverage) ratio | 10.2003% | 3,084 |
| Tier 1 risk-based capital ratio | 15.2814% | 3,461 |
| Total risk-based capital ratio | 16.2833% | 3,582 |
| Memoranda: | ||
| Average total assets | $525,561,600 | 1,274 |
| Average earning assets | $479,677,600 | 1,276 |
| Average equity | $61,421,800 | 1,097 |
| Average total loans | $339,574,000 | 1,250 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 3,911 |
| Cost of funding earning assets | 1.3206% | 1,592 |
| Net interest margin | 3.5046% | 5,169 |
| Noninterest income to average assets | 0.4344% | 4,406 |
| Noninterest expense to average assets | 2.5111% | 5,427 |
| Loan and lease loss provision to assets | -0.0820% | 7,351 |
| Net operating income to assets | 0.9064% | 2,718 |
| Return on assets (ROA) | 0.8257% | 3,205 |
| Pretax return on assets | 1.0921% | 3,048 |
| Return on Equity (ROE) | 7.0122% | 3,522 |
| Retained earnings to average equity (ytd only) | 7.0122% | 1,961 |
| Net charge-offs to loans | 0.9109% | 1,761 |
| Credit loss provision to net charge-offs | -13.7650% | 6,416 |
| Earnings coverage of net charge-offs (x) | 1.8744% | 4,257 |
| Efficiency ratio | 67.6477% | 4,391 |
| Assets per employee ($millions) | 5.1318% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 5,007 |
| Loan loss allowance to noncurrent loans | 36.8062% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 2.9944% | 2,143 |
| Noncurrent loans to loans | 3.5353% | 1,944 |
| Net loans and leases to total assets | 59.8485% | 4,159 |
| Net loans and leases to deposits | 72.0751% | 3,980 |
| Net loans and leases to core deposits | 104.2848% | 965 |
| Total domestic deposits to total assets | 83.0363% | 4,666 |
| Equity capital to assets | 12.0430% | 2,214 |
| Core capital (leverage) ratio | 10.8324% | 2,539 |
| Tier 1 risk-based capital ratio | 15.8624% | 3,187 |
| Total risk-based capital ratio | 17.0878% | 3,159 |
| Memoranda: | ||
| Average total assets | $522,049,000 | 1,285 |
| Average earning assets | $475,631,750 | 1,289 |
| Average equity | $61,472,000 | 1,104 |
| Average total loans | $341,321,000 | 1,254 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 3,826 |
| Cost of funding earning assets | 1.3450% | 1,676 |
| Net interest margin | 3.5131% | 5,096 |
| Noninterest income to average assets | 0.4273% | 4,452 |
| Noninterest expense to average assets | 2.4842% | 5,601 |
| Loan and lease loss provision to assets | -0.1471% | 7,438 |
| Net operating income to assets | 0.9570% | 2,410 |
| Return on assets (ROA) | 0.8596% | 2,915 |
| Pretax return on assets | 1.1575% | 2,648 |
| Return on Equity (ROE) | 7.3574% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.3574% | 1,714 |
| Net charge-offs to loans | 0.7482% | 2,004 |
| Credit loss provision to net charge-offs | -29.3303% | 6,218 |
| Earnings coverage of net charge-offs (x) | 2.2779% | 3,688 |
| Efficiency ratio | 66.9186% | 4,711 |
| Assets per employee ($millions) | 5.0709% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 4,100 |
| Loan loss allowance to noncurrent loans | 24.7281% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 4.7753% | 1,300 |
| Noncurrent loans to loans | 6.0973% | 965 |
| Net loans and leases to total assets | 66.1208% | 3,008 |
| Net loans and leases to deposits | 80.2888% | 2,741 |
| Net loans and leases to core deposits | 112.4585% | 631 |
| Total domestic deposits to total assets | 82.3537% | 5,042 |
| Equity capital to assets | 12.1867% | 1,972 |
| Core capital (leverage) ratio | 10.9406% | 2,304 |
| Tier 1 risk-based capital ratio | 14.7975% | 3,615 |
| Total risk-based capital ratio | 16.0521% | 3,584 |
| Memoranda: | ||
| Average total assets | $518,164,000 | 1,299 |
| Average earning assets | $471,836,000 | 1,308 |
| Average equity | $60,538,000 | 1,107 |
| Average total loans | $347,219,670 | 1,249 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8227% | 3,945 |
| Cost of funding earning assets | 1.3397% | 1,952 |
| Net interest margin | 3.4830% | 5,085 |
| Noninterest income to average assets | 0.5810% | 3,304 |
| Noninterest expense to average assets | 2.5727% | 5,319 |
| Loan and lease loss provision to assets | 0.4452% | 1,982 |
| Net operating income to assets | 0.7806% | 3,119 |
| Return on assets (ROA) | 0.2986% | 5,482 |
| Pretax return on assets | 0.2479% | 5,813 |
| Return on Equity (ROE) | 2.6108% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.6108% | 4,599 |
| Net charge-offs to loans | 1.2496% | 1,110 |
| Credit loss provision to net charge-offs | 53.2110% | 3,687 |
| Earnings coverage of net charge-offs (x) | 1.4046% | 3,648 |
| Efficiency ratio | 67.1104% | 4,825 |
| Assets per employee ($millions) | 4.9842% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 2,909 |
| Loan loss allowance to noncurrent loans | 27.2856% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 5.5729% | 1,075 |
| Noncurrent loans to loans | 6.7213% | 861 |
| Net loans and leases to total assets | 66.8998% | 2,784 |
| Net loans and leases to deposits | 82.5810% | 2,257 |
| Net loans and leases to core deposits | 115.9177% | 538 |
| Total domestic deposits to total assets | 81.0111% | 5,650 |
| Equity capital to assets | 11.7655% | 2,067 |
| Core capital (leverage) ratio | 10.3661% | 2,746 |
| Tier 1 risk-based capital ratio | 14.0378% | 4,049 |
| Total risk-based capital ratio | 15.2962% | 4,025 |
| Memoranda: | ||
| Average total assets | $521,167,000 | 1,298 |
| Average earning assets | $473,847,000 | 1,301 |
| Average equity | $59,599,500 | 1,113 |
| Average total loans | $348,916,000 | 1,257 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2690% | 3,277 |
| Cost of funding earning assets | 1.6332% | 1,899 |
| Net interest margin | 3.6358% | 4,645 |
| Noninterest income to average assets | 0.6145% | 3,382 |
| Noninterest expense to average assets | 2.4908% | 5,837 |
| Loan and lease loss provision to assets | 0.8624% | 1,887 |
| Net operating income to assets | 0.7080% | 3,201 |
| Return on assets (ROA) | 0.1673% | 5,540 |
| Pretax return on assets | 0.0459% | 5,801 |
| Return on Equity (ROE) | 1.5494% | 5,543 |
| Retained earnings to average equity (ytd only) | 1.5494% | 4,758 |
| Net charge-offs to loans | 1.4520% | 1,527 |
| Credit loss provision to net charge-offs | 86.0614% | 5,284 |
| Earnings coverage of net charge-offs (x) | 1.4461% | 4,671 |
| Efficiency ratio | 61.8315% | 5,755 |
| Assets per employee ($millions) | 5.1341% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 2,414 |
| Loan loss allowance to noncurrent loans | 30.1900% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 4.9494% | 1,298 |
| Noncurrent loans to loans | 6.4708% | 928 |
| Net loans and leases to total assets | 64.5203% | 3,754 |
| Net loans and leases to deposits | 78.9593% | 3,345 |
| Net loans and leases to core deposits | 104.0540% | 1,308 |
| Total domestic deposits to total assets | 81.7134% | 5,289 |
| Equity capital to assets | 11.1218% | 2,580 |
| Core capital (leverage) ratio | 10.1032% | 2,970 |
| Tier 1 risk-based capital ratio | 13.6853% | 4,072 |
| Total risk-based capital ratio | 14.9423% | 4,042 |
| Memoranda: | ||
| Average total assets | $546,290,200 | 1,226 |
| Average earning assets | $499,635,800 | 1,229 |
| Average equity | $58,989,600 | 1,131 |
| Average total loans | $376,989,600 | 1,203 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3625% | 3,064 |
| Cost of funding earning assets | 1.6984% | 1,886 |
| Net interest margin | 3.6641% | 4,576 |
| Noninterest income to average assets | 0.5548% | 3,758 |
| Noninterest expense to average assets | 2.3980% | 6,043 |
| Loan and lease loss provision to assets | 1.3375% | 1,030 |
| Net operating income to assets | 0.2582% | 5,320 |
| Return on assets (ROA) | 0.0032% | 6,117 |
| Pretax return on assets | -0.2257% | 6,338 |
| Return on Equity (ROE) | 0.0294% | 6,119 |
| Retained earnings to average equity (ytd only) | 0.0294% | 5,765 |
| Net charge-offs to loans | 1.6988% | 1,155 |
| Credit loss provision to net charge-offs | 112.8147% | 3,731 |
| Earnings coverage of net charge-offs (x) | 1.2739% | 4,802 |
| Efficiency ratio | 59.9665% | 5,962 |
| Assets per employee ($millions) | 4.8535% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2673% | 1,673 |
| Loan loss allowance to noncurrent loans | 29.9445% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 5.5769% | 1,100 |
| Noncurrent loans to loans | 7.5715% | 712 |
| Net loans and leases to total assets | 67.8693% | 3,254 |
| Net loans and leases to deposits | 84.2562% | 2,659 |
| Net loans and leases to core deposits | 111.5709% | 952 |
| Total domestic deposits to total assets | 80.5510% | 5,522 |
| Equity capital to assets | 11.3662% | 2,638 |
| Core capital (leverage) ratio | 9.3155% | 4,187 |
| Tier 1 risk-based capital ratio | 12.8174% | 4,717 |
| Total risk-based capital ratio | 14.0769% | 4,694 |
| Memoranda: | ||
| Average total assets | $549,377,250 | 1,232 |
| Average earning assets | $502,816,250 | 1,235 |
| Average equity | $58,891,000 | 1,136 |
| Average total loans | $383,395,750 | 1,193 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4215% | 2,882 |
| Cost of funding earning assets | 1.7241% | 1,994 |
| Net interest margin | 3.6974% | 4,376 |
| Noninterest income to average assets | 0.5185% | 3,968 |
| Noninterest expense to average assets | 2.3576% | 6,188 |
| Loan and lease loss provision to assets | 1.0216% | 1,429 |
| Net operating income to assets | 0.4737% | 4,445 |
| Return on assets (ROA) | 0.1180% | 5,923 |
| Pretax return on assets | -0.0262% | 6,176 |
| Return on Equity (ROE) | 1.1217% | 5,912 |
| Retained earnings to average equity (ytd only) | 1.1217% | 5,314 |
| Net charge-offs to loans | 1.0075% | 1,849 |
| Credit loss provision to net charge-offs | 145.0611% | 2,741 |
| Earnings coverage of net charge-offs (x) | 2.2026% | 3,913 |
| Efficiency ratio | 58.9487% | 6,231 |
| Assets per employee ($millions) | 5.1617% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2201% | 1,722 |
| Loan loss allowance to noncurrent loans | 50.9487% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 3.3349% | 2,113 |
| Noncurrent loans to loans | 4.3575% | 1,696 |
| Net loans and leases to total assets | 67.8783% | 3,394 |
| Net loans and leases to deposits | 84.4634% | 2,796 |
| Net loans and leases to core deposits | 113.9959% | 922 |
| Total domestic deposits to total assets | 80.3641% | 5,608 |
| Equity capital to assets | 10.6769% | 3,195 |
| Core capital (leverage) ratio | 9.3890% | 3,976 |
| Tier 1 risk-based capital ratio | 12.1533% | 5,169 |
| Total risk-based capital ratio | 13.4123% | 5,143 |
| Memoranda: | ||
| Average total assets | $557,777,330 | 1,218 |
| Average earning assets | $511,441,670 | 1,212 |
| Average equity | $58,661,670 | 1,132 |
| Average total loans | $389,858,330 | 1,180 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3778% | 3,152 |
| Cost of funding earning assets | 1.7154% | 2,312 |
| Net interest margin | 3.6623% | 4,428 |
| Noninterest income to average assets | 0.5181% | 3,911 |
| Noninterest expense to average assets | 2.3007% | 6,372 |
| Loan and lease loss provision to assets | 0.6166% | 2,065 |
| Net operating income to assets | 0.8876% | 2,601 |
| Return on assets (ROA) | 0.3939% | 5,005 |
| Pretax return on assets | 0.4282% | 5,199 |
| Return on Equity (ROE) | 3.7738% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.7738% | 3,880 |
| Net charge-offs to loans | 0.0987% | 4,433 |
| Credit loss provision to net charge-offs | 890.7216% | 521 |
| Earnings coverage of net charge-offs (x) | 22.8454% | 1,075 |
| Efficiency ratio | 57.8860% | 6,501 |
| Assets per employee ($millions) | 5.1052% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1488% | 1,856 |
| Loan loss allowance to noncurrent loans | 50.9902% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 3.3194% | 2,159 |
| Noncurrent loans to loans | 4.2141% | 1,828 |
| Net loans and leases to total assets | 69.3277% | 3,085 |
| Net loans and leases to deposits | 87.0069% | 2,407 |
| Net loans and leases to core deposits | 123.5460% | 659 |
| Total domestic deposits to total assets | 79.6806% | 5,891 |
| Equity capital to assets | 10.6925% | 3,049 |
| Core capital (leverage) ratio | 9.1764% | 4,264 |
| Tier 1 risk-based capital ratio | 11.7739% | 5,426 |
| Total risk-based capital ratio | 13.0318% | 5,354 |
| Memoranda: | ||
| Average total assets | $560,513,000 | 1,242 |
| Average earning assets | $514,862,000 | 1,234 |
| Average equity | $58,508,000 | 1,138 |
| Average total loans | $393,083,500 | 1,198 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5555% | 3,838 |
| Cost of funding earning assets | 2.0318% | 2,811 |
| Net interest margin | 3.5237% | 4,847 |
| Noninterest income to average assets | 0.6063% | 3,580 |
| Noninterest expense to average assets | 2.2211% | 6,937 |
| Loan and lease loss provision to assets | 0.9433% | 2,388 |
| Net operating income to assets | 0.7849% | 2,590 |
| Return on assets (ROA) | 0.1580% | 5,098 |
| Pretax return on assets | 0.0662% | 5,285 |
| Return on Equity (ROE) | 1.6961% | 5,022 |
| Retained earnings to average equity (ytd only) | 1.6961% | 3,898 |
| Net charge-offs to loans | 0.1598% | 5,677 |
| Credit loss provision to net charge-offs | 853.9557% | 342 |
| Earnings coverage of net charge-offs (x) | 14.8149% | 1,348 |
| Efficiency ratio | 56.2231% | 6,989 |
| Assets per employee ($millions) | 5.3240% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9283% | 2,196 |
| Loan loss allowance to noncurrent loans | 55.3604% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.5882% | 2,707 |
| Noncurrent loans to loans | 3.4832% | 2,182 |
| Net loans and leases to total assets | 68.0927% | 3,687 |
| Net loans and leases to deposits | 83.6343% | 3,343 |
| Net loans and leases to core deposits | 89.7045% | 5,164 |
| Total domestic deposits to total assets | 81.4172% | 5,187 |
| Equity capital to assets | 10.1923% | 3,520 |
| Core capital (leverage) ratio | 9.0634% | 4,318 |
| Tier 1 risk-based capital ratio | 11.4245% | 5,478 |
| Total risk-based capital ratio | 12.6799% | 5,434 |
| Memoranda: | ||
| Average total assets | $572,145,400 | 1,212 |
| Average earning assets | $527,910,800 | 1,202 |
| Average equity | $53,297,200 | 1,242 |
| Average total loans | $395,571,000 | 1,216 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5589% | 4,101 |
| Cost of funding earning assets | 2.0920% | 2,925 |
| Net interest margin | 3.4669% | 5,005 |
| Noninterest income to average assets | 0.6516% | 3,339 |
| Noninterest expense to average assets | 2.3071% | 6,683 |
| Loan and lease loss provision to assets | 0.4565% | 3,627 |
| Net operating income to assets | 1.0690% | 1,833 |
| Return on assets (ROA) | 0.2949% | 4,917 |
| Pretax return on assets | 0.2996% | 5,064 |
| Return on Equity (ROE) | 3.2420% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.2420% | 3,502 |
| Net charge-offs to loans | 0.0954% | 5,719 |
| Credit loss provision to net charge-offs | 692.9329% | 539 |
| Earnings coverage of net charge-offs (x) | 23.4667% | 1,121 |
| Efficiency ratio | 58.5246% | 6,645 |
| Assets per employee ($millions) | 5.1595% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 5,509 |
| Loan loss allowance to noncurrent loans | 54.9171% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.6179% | 3,927 |
| Noncurrent loans to loans | 2.0674% | 3,540 |
| Net loans and leases to total assets | 69.0294% | 3,704 |
| Net loans and leases to deposits | 84.8893% | 3,512 |
| Net loans and leases to core deposits | 91.6801% | 5,262 |
| Total domestic deposits to total assets | 81.3170% | 4,958 |
| Equity capital to assets | 9.3270% | 4,991 |
| Core capital (leverage) ratio | 7.9679% | 6,415 |
| Tier 1 risk-based capital ratio | 10.0106% | 6,974 |
| Total risk-based capital ratio | 10.9995% | 7,157 |
| Memoranda: | ||
| Average total assets | $572,765,250 | 1,223 |
| Average earning assets | $528,917,750 | 1,215 |
| Average equity | $52,106,000 | 1,293 |
| Average total loans | $395,581,750 | 1,230 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5571% | 4,300 |
| Cost of funding earning assets | 2.1142% | 3,203 |
| Net interest margin | 3.4429% | 5,011 |
| Noninterest income to average assets | 0.6833% | 3,094 |
| Noninterest expense to average assets | 2.2647% | 6,868 |
| Loan and lease loss provision to assets | 0.3383% | 3,912 |
| Net operating income to assets | 1.2713% | 1,302 |
| Return on assets (ROA) | 0.2531% | 5,166 |
| Pretax return on assets | 0.2378% | 5,358 |
| Return on Equity (ROE) | 2.8063% | 4,975 |
| Retained earnings to average equity (ytd only) | 2.8063% | 3,761 |
| Net charge-offs to loans | 0.0741% | 5,466 |
| Credit loss provision to net charge-offs | 663.6986% | 700 |
| Earnings coverage of net charge-offs (x) | 31.2740% | 966 |
| Efficiency ratio | 57.3380% | 6,954 |
| Assets per employee ($millions) | 5.2757% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 6,698 |
| Loan loss allowance to noncurrent loans | 77.1889% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.9773% | 5,018 |
| Noncurrent loans to loans | 1.1884% | 4,843 |
| Net loans and leases to total assets | 69.2152% | 3,899 |
| Net loans and leases to deposits | 83.7860% | 3,922 |
| Net loans and leases to core deposits | 91.4203% | 5,406 |
| Total domestic deposits to total assets | 82.6095% | 4,417 |
| Equity capital to assets | 9.0543% | 5,237 |
| Core capital (leverage) ratio | 7.9069% | 6,479 |
| Tier 1 risk-based capital ratio | 9.8105% | 7,126 |
| Total risk-based capital ratio | 10.6031% | 7,490 |
| Memoranda: | ||
| Average total assets | $572,786,330 | 1,238 |
| Average earning assets | $528,328,670 | 1,229 |
| Average equity | $51,669,330 | 1,317 |
| Average total loans | $394,151,330 | 1,259 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4988% | 4,915 |
| Cost of funding earning assets | 2.0896% | 3,696 |
| Net interest margin | 3.4093% | 5,103 |
| Noninterest income to average assets | 0.6766% | 3,024 |
| Noninterest expense to average assets | 2.2048% | 6,855 |
| Loan and lease loss provision to assets | 0.2001% | 4,438 |
| Net operating income to assets | 1.0283% | 2,199 |
| Return on assets (ROA) | -0.0980% | 6,523 |
| Pretax return on assets | -0.3429% | 6,705 |
| Return on Equity (ROE) | -1.0880% | 6,552 |
| Retained earnings to average equity (ytd only) | -1.0880% | 5,908 |
| Net charge-offs to loans | 0.0646% | 4,560 |
| Credit loss provision to net charge-offs | 453.9683% | 1,169 |
| Earnings coverage of net charge-offs (x) | 36.6825% | 912 |
| Efficiency ratio | 56.3164% | 6,924 |
| Assets per employee ($millions) | 5.2910% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 7,221 |
| Loan loss allowance to noncurrent loans | 90.6021% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.7532% | 5,274 |
| Noncurrent loans to loans | 0.8640% | 5,288 |
| Net loans and leases to total assets | 68.4276% | 4,038 |
| Net loans and leases to deposits | 86.1412% | 3,601 |
| Net loans and leases to core deposits | 97.3956% | 4,808 |
| Total domestic deposits to total assets | 79.4366% | 5,565 |
| Equity capital to assets | 9.0372% | 5,313 |
| Core capital (leverage) ratio | 7.9003% | 6,619 |
| Tier 1 risk-based capital ratio | 9.7572% | 7,194 |
| Total risk-based capital ratio | 10.4259% | 7,680 |
| Memoranda: | ||
| Average total assets | $571,654,500 | 1,244 |
| Average earning assets | $527,385,000 | 1,228 |
| Average equity | $51,470,500 | 1,331 |
| Average total loans | $390,373,500 | 1,279 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4059% | 7,450 |
| Cost of funding earning assets | 2.0196% | 6,350 |
| Net interest margin | 3.3863% | 5,715 |
| Noninterest income to average assets | 0.5096% | 4,542 |
| Noninterest expense to average assets | 1.8532% | 7,685 |
| Loan and lease loss provision to assets | 0.2158% | 4,729 |
| Net operating income to assets | 1.1538% | 1,928 |
| Return on assets (ROA) | 0.7579% | 3,467 |
| Pretax return on assets | 1.0241% | 3,292 |
| Return on Equity (ROE) | 7.5098% | 3,275 |
| Retained earnings to average equity (ytd only) | -22.2057% | 7,738 |
| Net charge-offs to loans | 0.1722% | 4,479 |
| Credit loss provision to net charge-offs | 184.6154% | 2,687 |
| Earnings coverage of net charge-offs (x) | 15.1821% | 1,951 |
| Efficiency ratio | 51.0800% | 7,581 |
| Assets per employee ($millions) | 5.1061% | 1,830 |
| Cash dividends to net income (ytd only)* | 395.6901% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 7,328 |
| Loan loss allowance to noncurrent loans | 128.5714% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 5,669 |
| Noncurrent loans to loans | 0.5757% | 5,644 |
| Net loans and leases to total assets | 67.1093% | 4,617 |
| Net loans and leases to deposits | 87.0805% | 3,933 |
| Net loans and leases to core deposits | 99.7782% | 4,840 |
| Total domestic deposits to total assets | 77.0658% | 5,970 |
| Equity capital to assets | 8.9703% | 5,407 |
| Core capital (leverage) ratio | 8.9595% | 4,797 |
| Tier 1 risk-based capital ratio | 9.8726% | 6,880 |
| Total risk-based capital ratio | 10.4990% | 7,511 |
| Memoranda: | ||
| Average total assets | $544,893,000 | 1,248 |
| Average earning assets | $501,787,000 | 1,228 |
| Average equity | $54,995,000 | 1,224 |
| Average total loans | $369,923,400 | 1,313 |