Home > NEXTIER BANK > Performance and Condition Ratios
NEXTIER BANK, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7316% | 1,605 |
| Cost of funding earning assets | 2.2918% | 1,240 |
| Net interest margin | 3.4398% | 2,466 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 1.8286% | 3,864 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 1.2011% | 1,736 |
| Return on assets (ROA) | 1.2203% | 1,683 |
| Pretax return on assets | 1.5102% | 1,489 |
| Return on Equity (ROE) | 12.8100% | 1,535 |
| Retained earnings to average equity (ytd only) | 11.3401% | 892 |
| Net charge-offs to loans | -0.0233% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 51.2942% | 3,803 |
| Assets per employee ($millions) | 9.3228% | 989 |
| Cash dividends to net income (ytd only)* | 11.4534% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 2,547 |
| Loan loss allowance to noncurrent loans | 115.1220% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 1,030 |
| Noncurrent loans to loans | 0.9853% | 1,084 |
| Net loans and leases to total assets | 73.6000% | 1,390 |
| Net loans and leases to deposits | 84.6975% | 1,627 |
| Net loans and leases to core deposits | 92.9333% | 1,842 |
| Total domestic deposits to total assets | 86.9000% | 1,967 |
| Equity capital to assets | 9.7788% | 2,372 |
| Core capital (leverage) ratio | 8.6129% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9437% | 2,234 |
| Memoranda: | ||
| Average total assets | $2,861,845,000 | 442 |
| Average earning assets | $2,641,292,000 | 436 |
| Average equity | $272,696,500 | 471 |
| Average total loans | $2,109,625,000 | 422 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9332% | 1,382 |
| Cost of funding earning assets | 2.6272% | 929 |
| Net interest margin | 3.3059% | 2,501 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 1.9394% | 3,713 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 1.0731% | 1,832 |
| Return on assets (ROA) | 1.0354% | 1,940 |
| Pretax return on assets | 1.2879% | 1,784 |
| Return on Equity (ROE) | 11.2600% | 1,805 |
| Retained earnings to average equity (ytd only) | 8.8127% | 854 |
| Net charge-offs to loans | 0.0517% | 1,627 |
| Credit loss provision to net charge-offs | 463.7488% | 673 |
| Earnings coverage of net charge-offs (x) | 37.7859% | 1,390 |
| Efficiency ratio | 54.4259% | 3,693 |
| Assets per employee ($millions) | 9.5397% | 887 |
| Cash dividends to net income (ytd only)* | 21.7218% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 2,927 |
| Loan loss allowance to noncurrent loans | 117.6380% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 1,107 |
| Noncurrent loans to loans | 0.8969% | 1,112 |
| Net loans and leases to total assets | 72.2100% | 1,646 |
| Net loans and leases to deposits | 82.6775% | 1,897 |
| Net loans and leases to core deposits | 90.8349% | 2,050 |
| Total domestic deposits to total assets | 87.3300% | 1,765 |
| Equity capital to assets | 9.3056% | 2,592 |
| Core capital (leverage) ratio | 8.3597% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6250% | 2,344 |
| Memoranda: | ||
| Average total assets | $2,667,798,000 | 461 |
| Average earning assets | $2,439,708,400 | 451 |
| Average equity | $245,349,800 | 489 |
| Average total loans | $2,034,013,400 | 422 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8976% | 1,399 |
| Cost of funding earning assets | 2.6178% | 951 |
| Net interest margin | 3.2797% | 2,494 |
| Noninterest income to average assets | 0.4300% | 2,252 |
| Noninterest expense to average assets | 2.0172% | 3,525 |
| Loan and lease loss provision to assets | 0.2000% | 591 |
| Net operating income to assets | 0.9776% | 2,117 |
| Return on assets (ROA) | 0.9164% | 2,327 |
| Pretax return on assets | 1.1340% | 2,161 |
| Return on Equity (ROE) | 10.0000% | 2,204 |
| Retained earnings to average equity (ytd only) | 7.7718% | 1,461 |
| Net charge-offs to loans | 0.0595% | 1,314 |
| Credit loss provision to net charge-offs | 504.6667% | 620 |
| Earnings coverage of net charge-offs (x) | 30.6544% | 1,503 |
| Efficiency ratio | 56.8197% | 3,475 |
| Assets per employee ($millions) | 9.5811% | 874 |
| Cash dividends to net income (ytd only)* | 22.2593% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,018 |
| Loan loss allowance to noncurrent loans | 98.4518% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 849 |
| Noncurrent loans to loans | 1.0629% | 938 |
| Net loans and leases to total assets | 74.3600% | 1,321 |
| Net loans and leases to deposits | 85.6597% | 1,673 |
| Net loans and leases to core deposits | 93.9131% | 1,883 |
| Total domestic deposits to total assets | 86.8100% | 1,662 |
| Equity capital to assets | 9.5356% | 2,641 |
| Core capital (leverage) ratio | 8.5886% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2143% | 2,485 |
| Memoranda: | ||
| Average total assets | $2,614,501,000 | 461 |
| Average earning assets | $2,385,173,750 | 459 |
| Average equity | $239,664,250 | 494 |
| Average total loans | $2,016,909,250 | 420 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8521% | 1,376 |
| Cost of funding earning assets | 2.6300% | 881 |
| Net interest margin | 3.2222% | 2,595 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 2.1243% | 3,264 |
| Loan and lease loss provision to assets | 0.2700% | 385 |
| Net operating income to assets | 0.6424% | 3,086 |
| Return on assets (ROA) | 0.6445% | 3,107 |
| Pretax return on assets | 0.7869% | 3,028 |
| Return on Equity (ROE) | 7.1400% | 2,962 |
| Retained earnings to average equity (ytd only) | 4.9682% | 2,338 |
| Net charge-offs to loans | 0.0099% | 2,043 |
| Credit loss provision to net charge-offs | 3,894.8980% | 132 |
| Earnings coverage of net charge-offs (x) | 137.9796% | 637 |
| Efficiency ratio | 64.7295% | 2,676 |
| Assets per employee ($millions) | 9.1222% | 963 |
| Cash dividends to net income (ytd only)* | 30.3804% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,016 |
| Loan loss allowance to noncurrent loans | 168.6707% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 1,368 |
| Noncurrent loans to loans | 0.6236% | 1,481 |
| Net loans and leases to total assets | 76.9200% | 1,050 |
| Net loans and leases to deposits | 92.6669% | 1,064 |
| Net loans and leases to core deposits | 99.1455% | 1,536 |
| Total domestic deposits to total assets | 83.0100% | 2,867 |
| Equity capital to assets | 9.3213% | 2,518 |
| Core capital (leverage) ratio | 8.2766% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1730% | 2,529 |
| Memoranda: | ||
| Average total assets | $2,553,444,000 | 470 |
| Average earning assets | $2,326,497,667 | 469 |
| Average equity | $230,627,333 | 512 |
| Average total loans | $1,988,383,667 | 427 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6163% | 1,606 |
| Cost of funding earning assets | 2.5790% | 868 |
| Net interest margin | 3.0373% | 2,908 |
| Noninterest income to average assets | 0.3000% | 2,941 |
| Noninterest expense to average assets | 1.8490% | 3,875 |
| Loan and lease loss provision to assets | 0.6300% | 126 |
| Net operating income to assets | 0.4788% | 3,454 |
| Return on assets (ROA) | 0.4932% | 3,435 |
| Pretax return on assets | 0.6108% | 3,368 |
| Return on Equity (ROE) | 5.5600% | 3,329 |
| Retained earnings to average equity (ytd only) | 5.5576% | 2,245 |
| Net charge-offs to loans | 0.0112% | 1,677 |
| Credit loss provision to net charge-offs | 6,727.7778% | 64 |
| Earnings coverage of net charge-offs (x) | 140.3148% | 548 |
| Efficiency ratio | 59.0410% | 3,352 |
| Assets per employee ($millions) | 9.0766% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,021 |
| Loan loss allowance to noncurrent loans | 189.2762% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 1,447 |
| Noncurrent loans to loans | 0.5582% | 1,530 |
| Net loans and leases to total assets | 75.7100% | 1,106 |
| Net loans and leases to deposits | 91.0417% | 1,121 |
| Net loans and leases to core deposits | 95.7608% | 1,660 |
| Total domestic deposits to total assets | 83.1600% | 2,943 |
| Equity capital to assets | 9.1646% | 2,563 |
| Core capital (leverage) ratio | 9.1133% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0574% | 2,568 |
| Memoranda: | ||
| Average total assets | $2,480,087,500 | 489 |
| Average earning assets | $2,263,066,000 | 485 |
| Average equity | $220,096,500 | 530 |
| Average total loans | $1,933,035,000 | 437 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 1,630 |
| Cost of funding earning assets | 2.2292% | 607 |
| Net interest margin | 2.9905% | 3,304 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.8717% | 3,891 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0187% | 2,156 |
| Return on assets (ROA) | 1.0280% | 2,106 |
| Pretax return on assets | 1.2653% | 1,971 |
| Return on Equity (ROE) | 12.3600% | 1,874 |
| Retained earnings to average equity (ytd only) | 12.3624% | 595 |
| Net charge-offs to loans | 0.0102% | 2,264 |
| Credit loss provision to net charge-offs | 667.8363% | 544 |
| Earnings coverage of net charge-offs (x) | 164.2222% | 676 |
| Efficiency ratio | 58.2510% | 3,269 |
| Assets per employee ($millions) | 8.4446% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,245 |
| Loan loss allowance to noncurrent loans | 171.6194% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 1,186 |
| Noncurrent loans to loans | 0.5897% | 1,337 |
| Net loans and leases to total assets | 78.8600% | 776 |
| Net loans and leases to deposits | 96.3464% | 755 |
| Net loans and leases to core deposits | 100.4085% | 1,410 |
| Total domestic deposits to total assets | 81.8500% | 3,155 |
| Equity capital to assets | 8.5241% | 3,033 |
| Core capital (leverage) ratio | 8.8806% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3511% | 2,472 |
| Memoranda: | ||
| Average total assets | $2,126,136,400 | 542 |
| Average earning assets | $1,964,601,800 | 532 |
| Average equity | $176,801,600 | 599 |
| Average total loans | $1,672,091,800 | 478 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 1,639 |
| Cost of funding earning assets | 2.0789% | 620 |
| Net interest margin | 3.0181% | 3,312 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.8741% | 3,844 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0309% | 2,273 |
| Return on assets (ROA) | 1.0372% | 2,244 |
| Pretax return on assets | 1.2759% | 2,105 |
| Return on Equity (ROE) | 12.5600% | 1,990 |
| Retained earnings to average equity (ytd only) | 12.5572% | 881 |
| Net charge-offs to loans | -0.0045% | 3,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.8144% | 3,112 |
| Assets per employee ($millions) | 8.3501% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,370 |
| Loan loss allowance to noncurrent loans | 678.0790% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 2,777 |
| Noncurrent loans to loans | 0.1475% | 2,815 |
| Net loans and leases to total assets | 78.3200% | 845 |
| Net loans and leases to deposits | 93.2438% | 952 |
| Net loans and leases to core deposits | 96.9867% | 1,506 |
| Total domestic deposits to total assets | 84.0000% | 2,773 |
| Equity capital to assets | 8.1859% | 2,933 |
| Core capital (leverage) ratio | 8.8715% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5232% | 2,445 |
| Memoranda: | ||
| Average total assets | $2,096,104,250 | 552 |
| Average earning assets | $1,940,583,750 | 539 |
| Average equity | $173,133,500 | 602 |
| Average total loans | $1,642,732,500 | 486 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 1,658 |
| Cost of funding earning assets | 1.9301% | 575 |
| Net interest margin | 3.0177% | 3,385 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.8951% | 3,832 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9550% | 2,565 |
| Return on assets (ROA) | 0.9669% | 2,518 |
| Pretax return on assets | 1.2009% | 2,355 |
| Return on Equity (ROE) | 11.6700% | 2,254 |
| Retained earnings to average equity (ytd only) | 11.6691% | 1,049 |
| Net charge-offs to loans | -0.0060% | 3,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.5495% | 3,014 |
| Assets per employee ($millions) | 7.9838% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,128 |
| Loan loss allowance to noncurrent loans | 750.5046% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 2,761 |
| Noncurrent loans to loans | 0.1415% | 2,762 |
| Net loans and leases to total assets | 77.9800% | 835 |
| Net loans and leases to deposits | 95.3077% | 772 |
| Net loans and leases to core deposits | 99.8502% | 1,251 |
| Total domestic deposits to total assets | 81.8200% | 3,267 |
| Equity capital to assets | 8.1842% | 3,096 |
| Core capital (leverage) ratio | 8.9334% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2564% | 2,550 |
| Memoranda: | ||
| Average total assets | $2,057,217,000 | 547 |
| Average earning assets | $1,906,975,333 | 538 |
| Average equity | $170,466,667 | 604 |
| Average total loans | $1,606,772,000 | 481 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 1,639 |
| Cost of funding earning assets | 1.7809% | 469 |
| Net interest margin | 3.0129% | 3,571 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.9117% | 3,827 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.9063% | 2,835 |
| Return on assets (ROA) | 0.9198% | 2,746 |
| Pretax return on assets | 1.1390% | 2,600 |
| Return on Equity (ROE) | 11.0300% | 2,484 |
| Retained earnings to average equity (ytd only) | 11.0287% | 1,463 |
| Net charge-offs to loans | -0.0082% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.3425% | 2,917 |
| Assets per employee ($millions) | 7.5605% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,056 |
| Loan loss allowance to noncurrent loans | 808.5360% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 2,742 |
| Noncurrent loans to loans | 0.1360% | 2,827 |
| Net loans and leases to total assets | 77.3100% | 845 |
| Net loans and leases to deposits | 89.1760% | 1,121 |
| Net loans and leases to core deposits | 92.5251% | 1,475 |
| Total domestic deposits to total assets | 86.7000% | 2,370 |
| Equity capital to assets | 8.3359% | 3,016 |
| Core capital (leverage) ratio | 8.8719% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7753% | 2,472 |
| Memoranda: | ||
| Average total assets | $2,019,991,000 | 572 |
| Average earning assets | $1,873,034,000 | 558 |
| Average equity | $168,470,000 | 619 |
| Average total loans | $1,570,125,500 | 499 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7195% | 2,475 |
| Cost of funding earning assets | 0.7190% | 535 |
| Net interest margin | 3.0005% | 3,449 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.9572% | 3,690 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.9862% | 2,618 |
| Return on assets (ROA) | 0.9853% | 2,574 |
| Pretax return on assets | 1.2185% | 2,376 |
| Return on Equity (ROE) | 11.3400% | 2,369 |
| Retained earnings to average equity (ytd only) | 5.4145% | 2,868 |
| Net charge-offs to loans | -0.0103% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.8171% | 3,083 |
| Assets per employee ($millions) | 7.4572% | 1,643 |
| Cash dividends to net income (ytd only)* | 52.2657% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 3,583 |
| Loan loss allowance to noncurrent loans | 534.0232% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 2,530 |
| Noncurrent loans to loans | 0.1790% | 2,590 |
| Net loans and leases to total assets | 76.5300% | 959 |
| Net loans and leases to deposits | 84.2724% | 1,448 |
| Net loans and leases to core deposits | 86.5931% | 1,703 |
| Total domestic deposits to total assets | 90.8200% | 1,019 |
| Equity capital to assets | 8.3445% | 2,821 |
| Core capital (leverage) ratio | 8.5789% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8001% | 2,452 |
| Memoranda: | ||
| Average total assets | $1,941,881,200 | 569 |
| Average earning assets | $1,804,213,200 | 560 |
| Average equity | $168,676,800 | 614 |
| Average total loans | $1,462,493,000 | 491 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4094% | 2,892 |
| Cost of funding earning assets | 0.4475% | 990 |
| Net interest margin | 2.9619% | 3,321 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.9618% | 3,585 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.9891% | 2,510 |
| Return on assets (ROA) | 0.9793% | 2,525 |
| Pretax return on assets | 1.2138% | 2,315 |
| Return on Equity (ROE) | 11.1600% | 2,315 |
| Retained earnings to average equity (ytd only) | 8.0112% | 1,995 |
| Net charge-offs to loans | -0.0097% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.6651% | 3,156 |
| Assets per employee ($millions) | 7.7808% | 1,433 |
| Cash dividends to net income (ytd only)* | 28.2227% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 3,686 |
| Loan loss allowance to noncurrent loans | 573.3865% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 2,734 |
| Noncurrent loans to loans | 0.1659% | 2,765 |
| Net loans and leases to total assets | 73.5200% | 1,137 |
| Net loans and leases to deposits | 80.7465% | 1,538 |
| Net loans and leases to core deposits | 84.0077% | 1,651 |
| Total domestic deposits to total assets | 91.0500% | 1,219 |
| Equity capital to assets | 8.1026% | 2,835 |
| Core capital (leverage) ratio | 9.1641% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1122% | 2,423 |
| Memoranda: | ||
| Average total assets | $1,929,582,000 | 572 |
| Average earning assets | $1,794,275,000 | 561 |
| Average equity | $169,309,750 | 617 |
| Average total loans | $1,443,479,000 | 489 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2374% | 2,932 |
| Cost of funding earning assets | 0.2385% | 2,412 |
| Net interest margin | 2.9989% | 2,874 |
| Noninterest income to average assets | 0.5091% | 2,149 |
| Noninterest expense to average assets | 1.9823% | 3,478 |
| Loan and lease loss provision to assets | 0.0528% | 1,634 |
| Net operating income to assets | 1.0238% | 2,076 |
| Return on assets (ROA) | 1.0161% | 2,065 |
| Pretax return on assets | 1.2587% | 1,875 |
| Return on Equity (ROE) | 11.2709% | 1,899 |
| Retained earnings to average equity (ytd only) | 6.5840% | 2,144 |
| Net charge-offs to loans | -0.0155% | 3,774 |
| Credit loss provision to net charge-offs | -454.5455% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3380% | 3,396 |
| Assets per employee ($millions) | 6.9989% | 1,942 |
| Cash dividends to net income (ytd only)* | 41.5844% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,720 |
| Loan loss allowance to noncurrent loans | 537.3846% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 2,684 |
| Noncurrent loans to loans | 0.1807% | 2,791 |
| Net loans and leases to total assets | 74.8571% | 829 |
| Net loans and leases to deposits | 87.6006% | 868 |
| Net loans and leases to core deposits | 89.7872% | 1,131 |
| Total domestic deposits to total assets | 85.4527% | 3,380 |
| Equity capital to assets | 8.8040% | 2,530 |
| Core capital (leverage) ratio | 9.2585% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2129% | 2,405 |
| Memoranda: | ||
| Average total assets | $1,893,250,667 | 579 |
| Average earning assets | $1,764,073,000 | 567 |
| Average equity | $170,687,000 | 619 |
| Average total loans | $1,420,233,333 | 490 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1340% | 2,867 |
| Cost of funding earning assets | 0.1816% | 3,068 |
| Net interest margin | 2.9524% | 2,659 |
| Noninterest income to average assets | 0.4682% | 2,309 |
| Noninterest expense to average assets | 2.0235% | 3,377 |
| Loan and lease loss provision to assets | 0.0530% | 1,432 |
| Net operating income to assets | 0.9366% | 2,125 |
| Return on assets (ROA) | 0.9419% | 2,094 |
| Pretax return on assets | 1.1606% | 1,953 |
| Return on Equity (ROE) | 10.3257% | 1,847 |
| Retained earnings to average equity (ytd only) | 5.6808% | 2,357 |
| Net charge-offs to loans | -0.0130% | 3,698 |
| Credit loss provision to net charge-offs | -543.4783% | 3,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9491% | 3,264 |
| Assets per employee ($millions) | 7.0589% | 1,952 |
| Cash dividends to net income (ytd only)* | 44.9843% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 3,854 |
| Loan loss allowance to noncurrent loans | 451.6534% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 2,606 |
| Noncurrent loans to loans | 0.2138% | 2,753 |
| Net loans and leases to total assets | 75.1720% | 561 |
| Net loans and leases to deposits | 86.6301% | 701 |
| Net loans and leases to core deposits | 89.1381% | 959 |
| Total domestic deposits to total assets | 86.7735% | 3,007 |
| Equity capital to assets | 9.0251% | 2,689 |
| Core capital (leverage) ratio | 9.0743% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3817% | 2,451 |
| Memoranda: | ||
| Average total assets | $1,888,028,500 | 583 |
| Average earning assets | $1,766,411,000 | 569 |
| Average equity | $172,230,000 | 631 |
| Average total loans | $1,410,839,000 | 489 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1533% | 3,576 |
| Cost of funding earning assets | 0.2815% | 2,584 |
| Net interest margin | 2.8719% | 3,507 |
| Noninterest income to average assets | 0.6267% | 2,039 |
| Noninterest expense to average assets | 2.0355% | 3,566 |
| Loan and lease loss provision to assets | 0.1039% | 1,214 |
| Net operating income to assets | 0.9542% | 2,851 |
| Return on assets (ROA) | 0.9549% | 2,923 |
| Pretax return on assets | 1.1676% | 2,771 |
| Return on Equity (ROE) | 10.4729% | 2,361 |
| Retained earnings to average equity (ytd only) | 9.8683% | 949 |
| Net charge-offs to loans | -0.0060% | 3,596 |
| Credit loss provision to net charge-offs | -2,217.6471% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6886% | 3,046 |
| Assets per employee ($millions) | 7.2996% | 1,727 |
| Cash dividends to net income (ytd only)* | 5.7733% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 3,935 |
| Loan loss allowance to noncurrent loans | 396.9400% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 2,657 |
| Noncurrent loans to loans | 0.2392% | 2,777 |
| Net loans and leases to total assets | 72.8777% | 769 |
| Net loans and leases to deposits | 80.5912% | 1,163 |
| Net loans and leases to core deposits | 84.4064% | 1,301 |
| Total domestic deposits to total assets | 90.4288% | 748 |
| Equity capital to assets | 9.2169% | 3,403 |
| Core capital (leverage) ratio | 8.5798% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,813,971,200 | 584 |
| Average earning assets | $1,692,488,800 | 569 |
| Average equity | $165,388,800 | 656 |
| Average total loans | $1,407,037,800 | 489 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1821% | 3,634 |
| Cost of funding earning assets | 0.2960% | 2,630 |
| Net interest margin | 2.8860% | 3,585 |
| Noninterest income to average assets | 0.6595% | 1,974 |
| Noninterest expense to average assets | 1.9865% | 3,722 |
| Loan and lease loss provision to assets | 0.1218% | 963 |
| Net operating income to assets | 1.0116% | 2,860 |
| Return on assets (ROA) | 1.0142% | 2,919 |
| Pretax return on assets | 1.2421% | 2,796 |
| Return on Equity (ROE) | 11.1562% | 2,326 |
| Retained earnings to average equity (ytd only) | 11.1562% | 1,021 |
| Net charge-offs to loans | 0.0016% | 2,353 |
| Credit loss provision to net charge-offs | 9,617.6471% | 81 |
| Earnings coverage of net charge-offs (x) | 1,074.2353% | 153 |
| Efficiency ratio | 58.4190% | 3,205 |
| Assets per employee ($millions) | 7.3690% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 4,060 |
| Loan loss allowance to noncurrent loans | 284.8074% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 2,624 |
| Noncurrent loans to loans | 0.3278% | 2,611 |
| Net loans and leases to total assets | 68.8708% | 1,212 |
| Net loans and leases to deposits | 77.7359% | 1,505 |
| Net loans and leases to core deposits | 81.4765% | 1,610 |
| Total domestic deposits to total assets | 88.5958% | 1,515 |
| Equity capital to assets | 8.4367% | 4,252 |
| Core capital (leverage) ratio | 8.6665% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,789,340,250 | 594 |
| Average earning assets | $1,666,418,000 | 578 |
| Average equity | $162,668,000 | 672 |
| Average total loans | $1,407,011,500 | 493 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2951% | 3,439 |
| Cost of funding earning assets | 0.3101% | 2,675 |
| Net interest margin | 2.9850% | 3,363 |
| Noninterest income to average assets | 0.6680% | 1,939 |
| Noninterest expense to average assets | 2.0715% | 3,481 |
| Loan and lease loss provision to assets | 0.1234% | 1,018 |
| Net operating income to assets | 1.0210% | 2,821 |
| Return on assets (ROA) | 1.0297% | 2,871 |
| Pretax return on assets | 1.2590% | 2,740 |
| Return on Equity (ROE) | 11.0177% | 2,416 |
| Retained earnings to average equity (ytd only) | 11.0177% | 1,121 |
| Net charge-offs to loans | 0.0125% | 1,707 |
| Credit loss provision to net charge-offs | 1,204.5455% | 414 |
| Earnings coverage of net charge-offs (x) | 133.8864% | 632 |
| Efficiency ratio | 59.2196% | 3,125 |
| Assets per employee ($millions) | 6.5274% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 4,262 |
| Loan loss allowance to noncurrent loans | 265.9497% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 2,615 |
| Noncurrent loans to loans | 0.3238% | 2,758 |
| Net loans and leases to total assets | 79.8860% | 328 |
| Net loans and leases to deposits | 91.3829% | 573 |
| Net loans and leases to core deposits | 95.9818% | 807 |
| Total domestic deposits to total assets | 87.4190% | 2,122 |
| Equity capital to assets | 9.2479% | 3,562 |
| Core capital (leverage) ratio | 8.9090% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,717,666,000 | 608 |
| Average earning assets | $1,597,060,667 | 598 |
| Average equity | $160,523,333 | 673 |
| Average total loans | $1,411,538,667 | 492 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3121% | 3,419 |
| Cost of funding earning assets | 0.3160% | 2,830 |
| Net interest margin | 2.9961% | 3,268 |
| Noninterest income to average assets | 0.7979% | 1,586 |
| Noninterest expense to average assets | 2.1534% | 3,258 |
| Loan and lease loss provision to assets | 0.1412% | 945 |
| Net operating income to assets | 1.0538% | 2,621 |
| Return on assets (ROA) | 1.0501% | 2,716 |
| Pretax return on assets | 1.2822% | 2,616 |
| Return on Equity (ROE) | 11.1752% | 2,310 |
| Retained earnings to average equity (ytd only) | 11.1752% | 1,360 |
| Net charge-offs to loans | -0.0046% | 3,357 |
| Credit loss provision to net charge-offs | -3,718.7500% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2075% | 3,126 |
| Assets per employee ($millions) | 6.3300% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 4,330 |
| Loan loss allowance to noncurrent loans | 257.3542% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 2,788 |
| Noncurrent loans to loans | 0.3254% | 2,933 |
| Net loans and leases to total assets | 82.5491% | 203 |
| Net loans and leases to deposits | 94.6570% | 458 |
| Net loans and leases to core deposits | 99.5895% | 728 |
| Total domestic deposits to total assets | 87.2086% | 2,221 |
| Equity capital to assets | 9.2875% | 3,406 |
| Core capital (leverage) ratio | 8.9875% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,685,510,500 | 614 |
| Average earning assets | $1,565,900,000 | 601 |
| Average equity | $158,387,000 | 674 |
| Average total loans | $1,399,350,500 | 501 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7275% | 3,505 |
| Cost of funding earning assets | 0.5052% | 2,918 |
| Net interest margin | 3.2223% | 3,298 |
| Noninterest income to average assets | 0.5493% | 2,424 |
| Noninterest expense to average assets | 2.2402% | 3,565 |
| Loan and lease loss provision to assets | 0.2863% | 1,326 |
| Net operating income to assets | 0.8282% | 2,986 |
| Return on assets (ROA) | 0.8690% | 2,964 |
| Pretax return on assets | 1.0481% | 2,888 |
| Return on Equity (ROE) | 9.0238% | 2,383 |
| Retained earnings to average equity (ytd only) | 9.0238% | 767 |
| Net charge-offs to loans | 0.1073% | 1,400 |
| Credit loss provision to net charge-offs | 323.7681% | 1,658 |
| Earnings coverage of net charge-offs (x) | 14.5333% | 2,208 |
| Efficiency ratio | 62.3387% | 3,068 |
| Assets per employee ($millions) | 5.8693% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 4,349 |
| Loan loss allowance to noncurrent loans | 200.9171% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3500% | 2,588 |
| Noncurrent loans to loans | 0.4153% | 2,737 |
| Net loans and leases to total assets | 82.0979% | 288 |
| Net loans and leases to deposits | 94.7423% | 617 |
| Net loans and leases to core deposits | 100.0886% | 891 |
| Total domestic deposits to total assets | 86.6539% | 2,095 |
| Equity capital to assets | 9.5113% | 3,599 |
| Core capital (leverage) ratio | 8.8110% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,560,484,200 | 597 |
| Average earning assets | $1,441,309,000 | 585 |
| Average equity | $150,268,600 | 674 |
| Average total loans | $1,286,023,000 | 517 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8238% | 3,496 |
| Cost of funding earning assets | 0.5496% | 2,930 |
| Net interest margin | 3.2742% | 3,263 |
| Noninterest income to average assets | 0.5313% | 2,470 |
| Noninterest expense to average assets | 2.2242% | 3,624 |
| Loan and lease loss provision to assets | 0.3584% | 1,048 |
| Net operating income to assets | 0.8064% | 3,064 |
| Return on assets (ROA) | 0.8281% | 3,112 |
| Pretax return on assets | 0.9952% | 3,087 |
| Return on Equity (ROE) | 8.5711% | 2,573 |
| Retained earnings to average equity (ytd only) | 8.5711% | 1,120 |
| Net charge-offs to loans | 0.1424% | 1,028 |
| Credit loss provision to net charge-offs | 305.8432% | 1,744 |
| Earnings coverage of net charge-offs (x) | 11.3284% | 2,306 |
| Efficiency ratio | 61.3573% | 3,171 |
| Assets per employee ($millions) | 6.2029% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8214% | 4,311 |
| Loan loss allowance to noncurrent loans | 174.8462% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 2,630 |
| Noncurrent loans to loans | 0.4698% | 2,645 |
| Net loans and leases to total assets | 79.0510% | 704 |
| Net loans and leases to deposits | 92.0205% | 1,069 |
| Net loans and leases to core deposits | 97.1204% | 1,371 |
| Total domestic deposits to total assets | 85.9059% | 2,107 |
| Equity capital to assets | 9.0866% | 4,044 |
| Core capital (leverage) ratio | 8.7589% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,538,289,750 | 590 |
| Average earning assets | $1,419,058,750 | 578 |
| Average equity | $148,619,250 | 671 |
| Average total loans | $1,266,178,250 | 513 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0328% | 3,242 |
| Cost of funding earning assets | 0.6152% | 2,889 |
| Net interest margin | 3.4177% | 3,043 |
| Noninterest income to average assets | 0.3797% | 3,198 |
| Noninterest expense to average assets | 2.1972% | 3,795 |
| Loan and lease loss provision to assets | 0.2558% | 1,655 |
| Net operating income to assets | 0.8939% | 2,709 |
| Return on assets (ROA) | 0.9237% | 2,732 |
| Pretax return on assets | 1.1130% | 2,676 |
| Return on Equity (ROE) | 9.3498% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.3498% | 924 |
| Net charge-offs to loans | 0.0027% | 2,897 |
| Credit loss provision to net charge-offs | 11,182.3529% | 107 |
| Earnings coverage of net charge-offs (x) | 582.7647% | 175 |
| Efficiency ratio | 60.9246% | 3,287 |
| Assets per employee ($millions) | 5.8453% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 4,417 |
| Loan loss allowance to noncurrent loans | 136.1122% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 2,467 |
| Noncurrent loans to loans | 0.5663% | 2,462 |
| Net loans and leases to total assets | 81.3004% | 471 |
| Net loans and leases to deposits | 95.5148% | 834 |
| Net loans and leases to core deposits | 101.2517% | 1,170 |
| Total domestic deposits to total assets | 85.1181% | 2,348 |
| Equity capital to assets | 9.3626% | 3,766 |
| Core capital (leverage) ratio | 8.7675% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,486,589,333 | 598 |
| Average earning assets | $1,370,349,000 | 589 |
| Average equity | $146,868,667 | 669 |
| Average total loans | $1,238,327,667 | 516 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 2,746 |
| Cost of funding earning assets | 0.7334% | 2,765 |
| Net interest margin | 3.6276% | 2,580 |
| Noninterest income to average assets | 0.4438% | 2,826 |
| Noninterest expense to average assets | 2.3780% | 3,585 |
| Loan and lease loss provision to assets | 0.3935% | 779 |
| Net operating income to assets | 0.8400% | 2,749 |
| Return on assets (ROA) | 0.8617% | 2,757 |
| Pretax return on assets | 1.0348% | 2,719 |
| Return on Equity (ROE) | 8.4708% | 2,325 |
| Retained earnings to average equity (ytd only) | 8.4708% | 1,107 |
| Net charge-offs to loans | -0.0010% | 3,608 |
| Credit loss provision to net charge-offs | -46,666.6667% | 4,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6208% | 3,539 |
| Assets per employee ($millions) | 5.2372% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 4,430 |
| Loan loss allowance to noncurrent loans | 131.2111% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 2,445 |
| Noncurrent loans to loans | 0.6059% | 2,475 |
| Net loans and leases to total assets | 83.7942% | 282 |
| Net loans and leases to deposits | 101.8775% | 451 |
| Net loans and leases to core deposits | 112.4079% | 738 |
| Total domestic deposits to total assets | 82.2500% | 3,342 |
| Equity capital to assets | 10.1480% | 3,653 |
| Core capital (leverage) ratio | 9.5970% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,423,232,000 | 598 |
| Average earning assets | $1,308,977,000 | 588 |
| Average equity | $144,779,500 | 675 |
| Average total loans | $1,196,586,500 | 511 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7830% | 2,094 |
| Cost of funding earning assets | 0.7473% | 2,931 |
| Net interest margin | 4.0357% | 1,728 |
| Noninterest income to average assets | 0.5660% | 2,393 |
| Noninterest expense to average assets | 2.5301% | 3,369 |
| Loan and lease loss provision to assets | 0.0685% | 2,645 |
| Net operating income to assets | 1.3886% | 1,377 |
| Return on assets (ROA) | 1.4265% | 1,319 |
| Pretax return on assets | 1.7153% | 1,153 |
| Return on Equity (ROE) | 13.4862% | 1,016 |
| Retained earnings to average equity (ytd only) | 6.3923% | 1,674 |
| Net charge-offs to loans | 0.0012% | 3,684 |
| Credit loss provision to net charge-offs | 7,023.0769% | 63 |
| Earnings coverage of net charge-offs (x) | 1,781.9231% | 43 |
| Efficiency ratio | 57.8697% | 3,985 |
| Assets per employee ($millions) | 5.0037% | 2,593 |
| Cash dividends to net income (ytd only)* | 52.6011% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7084% | 4,559 |
| Loan loss allowance to noncurrent loans | 122.9130% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 2,425 |
| Noncurrent loans to loans | 0.5763% | 2,460 |
| Net loans and leases to total assets | 83.0778% | 418 |
| Net loans and leases to deposits | 100.6993% | 549 |
| Net loans and leases to core deposits | 106.9329% | 1,053 |
| Total domestic deposits to total assets | 82.5009% | 3,360 |
| Equity capital to assets | 10.1999% | 3,732 |
| Core capital (leverage) ratio | 9.7078% | 3,834 |
| Tier 1 risk-based capital ratio | 11.1366% | 4,804 |
| Total risk-based capital ratio | 11.8360% | 4,914 |
| Memoranda: | ||
| Average total assets | $1,332,699,200 | 606 |
| Average earning assets | $1,222,600,400 | 600 |
| Average equity | $140,965,800 | 661 |
| Average total loans | $1,094,762,600 | 530 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 1,846 |
| Cost of funding earning assets | 0.7458% | 2,988 |
| Net interest margin | 4.1457% | 1,511 |
| Noninterest income to average assets | 0.5496% | 2,465 |
| Noninterest expense to average assets | 2.4960% | 3,450 |
| Loan and lease loss provision to assets | 0.0621% | 2,654 |
| Net operating income to assets | 1.4937% | 1,203 |
| Return on assets (ROA) | 1.5449% | 1,129 |
| Pretax return on assets | 1.8546% | 970 |
| Return on Equity (ROE) | 14.4680% | 896 |
| Retained earnings to average equity (ytd only) | 14.4680% | 181 |
| Net charge-offs to loans | -0.0001% | 3,956 |
| Credit loss provision to net charge-offs | -61,300.0000% | 4,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9161% | 4,172 |
| Assets per employee ($millions) | 5.1140% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7264% | 4,592 |
| Loan loss allowance to noncurrent loans | 165.1153% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 3,048 |
| Noncurrent loans to loans | 0.4399% | 2,992 |
| Net loans and leases to total assets | 78.4905% | 1,057 |
| Net loans and leases to deposits | 90.2172% | 1,674 |
| Net loans and leases to core deposits | 95.2646% | 2,058 |
| Total domestic deposits to total assets | 87.0017% | 1,512 |
| Equity capital to assets | 10.6940% | 3,384 |
| Core capital (leverage) ratio | 10.4239% | 3,165 |
| Tier 1 risk-based capital ratio | 12.0628% | 4,390 |
| Total risk-based capital ratio | 12.7650% | 4,558 |
| Memoranda: | ||
| Average total assets | $1,315,614,750 | 615 |
| Average earning assets | $1,206,399,250 | 607 |
| Average equity | $140,481,000 | 658 |
| Average total loans | $1,075,389,500 | 539 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 1,512 |
| Cost of funding earning assets | 0.7218% | 3,034 |
| Net interest margin | 4.2679% | 1,204 |
| Noninterest income to average assets | 0.4584% | 2,919 |
| Noninterest expense to average assets | 2.4895% | 3,513 |
| Loan and lease loss provision to assets | 0.0951% | 1,949 |
| Net operating income to assets | 1.5111% | 1,117 |
| Return on assets (ROA) | 1.5174% | 1,150 |
| Pretax return on assets | 1.7986% | 1,035 |
| Return on Equity (ROE) | 14.2183% | 931 |
| Retained earnings to average equity (ytd only) | 14.2183% | 218 |
| Net charge-offs to loans | -0.0124% | 4,389 |
| Credit loss provision to net charge-offs | -928.7879% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4208% | 4,320 |
| Assets per employee ($millions) | 4.7328% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 4,617 |
| Loan loss allowance to noncurrent loans | 171.4680% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 3,000 |
| Noncurrent loans to loans | 0.4335% | 2,978 |
| Net loans and leases to total assets | 82.0244% | 611 |
| Net loans and leases to deposits | 95.9604% | 1,044 |
| Net loans and leases to core deposits | 100.3193% | 1,696 |
| Total domestic deposits to total assets | 85.4773% | 2,271 |
| Equity capital to assets | 10.9196% | 3,157 |
| Core capital (leverage) ratio | 10.2560% | 3,329 |
| Tier 1 risk-based capital ratio | 11.5419% | 4,664 |
| Total risk-based capital ratio | 12.2472% | 4,828 |
| Memoranda: | ||
| Average total assets | $1,288,782,000 | 622 |
| Average earning assets | $1,182,927,000 | 617 |
| Average equity | $137,541,330 | 666 |
| Average total loans | $1,065,908,000 | 541 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 1,855 |
| Cost of funding earning assets | 0.6611% | 3,256 |
| Net interest margin | 4.1568% | 1,415 |
| Noninterest income to average assets | 0.4720% | 2,723 |
| Noninterest expense to average assets | 2.4675% | 3,590 |
| Loan and lease loss provision to assets | 0.0982% | 1,783 |
| Net operating income to assets | 1.4321% | 1,288 |
| Return on assets (ROA) | 1.4321% | 1,318 |
| Pretax return on assets | 1.7304% | 1,139 |
| Return on Equity (ROE) | 13.5817% | 1,060 |
| Retained earnings to average equity (ytd only) | 13.5817% | 394 |
| Net charge-offs to loans | -0.0425% | 4,785 |
| Credit loss provision to net charge-offs | -279.4643% | 3,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9247% | 4,348 |
| Assets per employee ($millions) | 4.7907% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7271% | 4,723 |
| Loan loss allowance to noncurrent loans | 169.1294% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 3,071 |
| Noncurrent loans to loans | 0.4299% | 3,040 |
| Net loans and leases to total assets | 82.6397% | 512 |
| Net loans and leases to deposits | 96.1232% | 957 |
| Net loans and leases to core deposits | 100.2428% | 1,601 |
| Total domestic deposits to total assets | 85.9727% | 2,290 |
| Equity capital to assets | 10.6235% | 3,234 |
| Core capital (leverage) ratio | 10.0211% | 3,582 |
| Tier 1 risk-based capital ratio | 11.1563% | 4,906 |
| Total risk-based capital ratio | 11.8467% | 5,047 |
| Memoranda: | ||
| Average total assets | $1,275,307,500 | 627 |
| Average earning assets | $1,173,203,500 | 625 |
| Average equity | $134,475,500 | 680 |
| Average total loans | $1,055,210,500 | 550 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 2,377 |
| Cost of funding earning assets | 0.5095% | 3,293 |
| Net interest margin | 4.0185% | 1,928 |
| Noninterest income to average assets | 0.3400% | 3,841 |
| Noninterest expense to average assets | 2.4758% | 3,683 |
| Loan and lease loss provision to assets | 0.1429% | 1,502 |
| Net operating income to assets | 1.1916% | 2,217 |
| Return on assets (ROA) | 1.1916% | 2,212 |
| Pretax return on assets | 1.4111% | 2,094 |
| Return on Equity (ROE) | 11.6114% | 1,860 |
| Retained earnings to average equity (ytd only) | 11.6114% | 360 |
| Net charge-offs to loans | 0.0226% | 2,965 |
| Credit loss provision to net charge-offs | 808.0717% | 443 |
| Earnings coverage of net charge-offs (x) | 87.8565% | 811 |
| Efficiency ratio | 59.5918% | 3,929 |
| Assets per employee ($millions) | 4.7084% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7163% | 4,767 |
| Loan loss allowance to noncurrent loans | 114.4535% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 2,431 |
| Noncurrent loans to loans | 0.6258% | 2,416 |
| Net loans and leases to total assets | 81.6348% | 710 |
| Net loans and leases to deposits | 93.4245% | 1,344 |
| Net loans and leases to core deposits | 98.3678% | 1,845 |
| Total domestic deposits to total assets | 87.3805% | 1,591 |
| Equity capital to assets | 10.4634% | 3,228 |
| Core capital (leverage) ratio | 9.6286% | 3,974 |
| Tier 1 risk-based capital ratio | 11.0383% | 4,965 |
| Total risk-based capital ratio | 11.7122% | 5,094 |
| Memoranda: | ||
| Average total assets | $1,260,689,200 | 621 |
| Average earning assets | $1,157,608,800 | 616 |
| Average equity | $129,381,400 | 669 |
| Average total loans | $988,051,200 | 564 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 2,909 |
| Cost of funding earning assets | 0.4855% | 3,287 |
| Net interest margin | 3.8308% | 2,524 |
| Noninterest income to average assets | 0.5423% | 2,608 |
| Noninterest expense to average assets | 2.4478% | 3,742 |
| Loan and lease loss provision to assets | 0.1202% | 1,685 |
| Net operating income to assets | 1.2532% | 2,032 |
| Return on assets (ROA) | 1.2532% | 2,038 |
| Pretax return on assets | 1.4915% | 1,927 |
| Return on Equity (ROE) | 12.2710% | 1,690 |
| Retained earnings to average equity (ytd only) | 12.2710% | 445 |
| Net charge-offs to loans | 0.0198% | 2,748 |
| Credit loss provision to net charge-offs | 784.1379% | 496 |
| Earnings coverage of net charge-offs (x) | 105.1716% | 719 |
| Efficiency ratio | 58.4104% | 4,055 |
| Assets per employee ($millions) | 5.0682% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6675% | 4,935 |
| Loan loss allowance to noncurrent loans | 109.3870% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 2,691 |
| Noncurrent loans to loans | 0.6102% | 2,556 |
| Net loans and leases to total assets | 78.4966% | 1,262 |
| Net loans and leases to deposits | 89.7563% | 1,934 |
| Net loans and leases to core deposits | 94.6101% | 2,239 |
| Total domestic deposits to total assets | 87.4553% | 1,511 |
| Equity capital to assets | 10.4115% | 3,226 |
| Core capital (leverage) ratio | 9.9780% | 3,661 |
| Tier 1 risk-based capital ratio | 11.4972% | 4,788 |
| Total risk-based capital ratio | 12.1233% | 4,996 |
| Memoranda: | ||
| Average total assets | $1,261,579,000 | 621 |
| Average earning assets | $1,158,304,250 | 616 |
| Average equity | $128,842,250 | 667 |
| Average total loans | $976,649,000 | 569 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2542% | 2,929 |
| Cost of funding earning assets | 0.4599% | 3,287 |
| Net interest margin | 3.7943% | 2,582 |
| Noninterest income to average assets | 0.5845% | 2,409 |
| Noninterest expense to average assets | 2.4801% | 3,682 |
| Loan and lease loss provision to assets | 0.1218% | 1,617 |
| Net operating income to assets | 1.2413% | 2,024 |
| Return on assets (ROA) | 1.2413% | 2,019 |
| Pretax return on assets | 1.4705% | 1,924 |
| Return on Equity (ROE) | 12.2360% | 1,644 |
| Retained earnings to average equity (ytd only) | 12.2360% | 487 |
| Net charge-offs to loans | 0.0019% | 3,143 |
| Credit loss provision to net charge-offs | 8,466.6667% | 49 |
| Earnings coverage of net charge-offs (x) | 1,106.8889% | 71 |
| Efficiency ratio | 59.0015% | 4,084 |
| Assets per employee ($millions) | 4.8448% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6769% | 4,986 |
| Loan loss allowance to noncurrent loans | 109.8714% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 2,741 |
| Noncurrent loans to loans | 0.6161% | 2,568 |
| Net loans and leases to total assets | 77.2191% | 1,440 |
| Net loans and leases to deposits | 92.2981% | 1,551 |
| Net loans and leases to core deposits | 96.7356% | 1,995 |
| Total domestic deposits to total assets | 83.6627% | 3,190 |
| Equity capital to assets | 10.4076% | 3,199 |
| Core capital (leverage) ratio | 9.6484% | 3,945 |
| Tier 1 risk-based capital ratio | 11.5109% | 4,780 |
| Total risk-based capital ratio | 12.1397% | 5,001 |
| Memoranda: | ||
| Average total assets | $1,251,304,330 | 629 |
| Average earning assets | $1,150,254,330 | 623 |
| Average equity | $126,937,000 | 674 |
| Average total loans | $961,762,000 | 576 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 3,149 |
| Cost of funding earning assets | 0.4277% | 3,383 |
| Net interest margin | 3.6967% | 2,811 |
| Noninterest income to average assets | 0.5936% | 2,295 |
| Noninterest expense to average assets | 2.4534% | 3,803 |
| Loan and lease loss provision to assets | 0.0997% | 1,861 |
| Net operating income to assets | 1.2275% | 1,904 |
| Return on assets (ROA) | 1.2275% | 1,914 |
| Pretax return on assets | 1.4483% | 1,846 |
| Return on Equity (ROE) | 12.2590% | 1,490 |
| Retained earnings to average equity (ytd only) | 12.2590% | 638 |
| Net charge-offs to loans | -0.0297% | 4,733 |
| Credit loss provision to net charge-offs | -439.4366% | 3,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3820% | 4,153 |
| Assets per employee ($millions) | 4.9064% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6439% | 5,111 |
| Loan loss allowance to noncurrent loans | 104.5646% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 2,655 |
| Noncurrent loans to loans | 0.6158% | 2,696 |
| Net loans and leases to total assets | 76.2614% | 1,498 |
| Net loans and leases to deposits | 91.3063% | 1,522 |
| Net loans and leases to core deposits | 96.4965% | 1,942 |
| Total domestic deposits to total assets | 83.5226% | 3,495 |
| Equity capital to assets | 10.1067% | 3,492 |
| Core capital (leverage) ratio | 9.4787% | 4,090 |
| Tier 1 risk-based capital ratio | 11.4448% | 4,885 |
| Total risk-based capital ratio | 12.0556% | 5,134 |
| Memoranda: | ||
| Average total assets | $1,251,982,000 | 633 |
| Average earning assets | $1,154,112,500 | 630 |
| Average equity | $125,360,500 | 683 |
| Average total loans | $956,754,500 | 580 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 3,530 |
| Cost of funding earning assets | 0.3062% | 4,074 |
| Net interest margin | 3.6544% | 2,972 |
| Noninterest income to average assets | 0.5753% | 2,578 |
| Noninterest expense to average assets | 2.6540% | 3,272 |
| Loan and lease loss provision to assets | 0.0598% | 3,037 |
| Net operating income to assets | 0.9076% | 2,671 |
| Return on assets (ROA) | 0.9076% | 2,693 |
| Pretax return on assets | 1.2143% | 2,711 |
| Return on Equity (ROE) | 8.5903% | 2,499 |
| Retained earnings to average equity (ytd only) | 0.6238% | 4,791 |
| Net charge-offs to loans | 0.2577% | 1,013 |
| Credit loss provision to net charge-offs | 30.8427% | 3,529 |
| Earnings coverage of net charge-offs (x) | 6.5756% | 3,165 |
| Efficiency ratio | 65.2631% | 3,392 |
| Assets per employee ($millions) | 4.7631% | 2,779 |
| Cash dividends to net income (ytd only)* | 92.7386% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 5,218 |
| Loan loss allowance to noncurrent loans | 88.4989% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 2,518 |
| Noncurrent loans to loans | 0.6933% | 2,479 |
| Net loans and leases to total assets | 75.6138% | 1,666 |
| Net loans and leases to deposits | 90.2132% | 1,753 |
| Net loans and leases to core deposits | 95.1957% | 2,098 |
| Total domestic deposits to total assets | 83.8168% | 3,274 |
| Equity capital to assets | 9.9186% | 3,792 |
| Core capital (leverage) ratio | 9.4844% | 4,073 |
| Tier 1 risk-based capital ratio | 11.3616% | 4,943 |
| Total risk-based capital ratio | 11.9465% | 5,190 |
| Memoranda: | ||
| Average total assets | $1,188,068,000 | 632 |
| Average earning assets | $1,090,007,200 | 627 |
| Average equity | $125,525,200 | 656 |
| Average total loans | $893,447,600 | 592 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 3,490 |
| Cost of funding earning assets | 0.3008% | 4,123 |
| Net interest margin | 3.6586% | 2,921 |
| Noninterest income to average assets | 0.5998% | 2,490 |
| Noninterest expense to average assets | 2.6293% | 3,320 |
| Loan and lease loss provision to assets | 0.0239% | 3,669 |
| Net operating income to assets | 0.9798% | 2,644 |
| Return on assets (ROA) | 0.9798% | 2,699 |
| Pretax return on assets | 1.3015% | 2,483 |
| Return on Equity (ROE) | 9.1253% | 2,534 |
| Retained earnings to average equity (ytd only) | 5.9498% | 2,273 |
| Net charge-offs to loans | 0.1584% | 1,292 |
| Credit loss provision to net charge-offs | 20.0957% | 3,159 |
| Earnings coverage of net charge-offs (x) | 11.1588% | 2,525 |
| Efficiency ratio | 64.1012% | 3,526 |
| Assets per employee ($millions) | 4.6987% | 2,835 |
| Cash dividends to net income (ytd only)* | 34.7987% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7362% | 5,056 |
| Loan loss allowance to noncurrent loans | 71.6915% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8456% | 2,037 |
| Noncurrent loans to loans | 1.0269% | 1,889 |
| Net loans and leases to total assets | 72.9226% | 2,111 |
| Net loans and leases to deposits | 82.5049% | 2,724 |
| Net loans and leases to core deposits | 85.8847% | 2,981 |
| Total domestic deposits to total assets | 88.3858% | 1,179 |
| Equity capital to assets | 10.6160% | 3,252 |
| Core capital (leverage) ratio | 10.1416% | 3,389 |
| Tier 1 risk-based capital ratio | 12.8950% | 4,084 |
| Total risk-based capital ratio | 13.6222% | 4,302 |
| Memoranda: | ||
| Average total assets | $1,173,104,500 | 639 |
| Average earning assets | $1,075,729,500 | 634 |
| Average equity | $125,962,250 | 656 |
| Average total loans | $879,453,000 | 599 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,398 |
| Cost of funding earning assets | 0.2934% | 4,143 |
| Net interest margin | 3.6493% | 2,844 |
| Noninterest income to average assets | 0.6296% | 2,319 |
| Noninterest expense to average assets | 2.6562% | 3,244 |
| Loan and lease loss provision to assets | 0.0104% | 3,732 |
| Net operating income to assets | 0.9854% | 2,503 |
| Return on assets (ROA) | 0.9854% | 2,547 |
| Pretax return on assets | 1.3060% | 2,360 |
| Return on Equity (ROE) | 9.1412% | 2,444 |
| Retained earnings to average equity (ytd only) | 5.9383% | 2,156 |
| Net charge-offs to loans | 0.0121% | 3,032 |
| Credit loss provision to net charge-offs | 113.2075% | 1,851 |
| Earnings coverage of net charge-offs (x) | 143.8679% | 519 |
| Efficiency ratio | 64.4648% | 3,595 |
| Assets per employee ($millions) | 4.5898% | 2,966 |
| Cash dividends to net income (ytd only)* | 35.0385% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 4,853 |
| Loan loss allowance to noncurrent loans | 73.7679% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.9559% | 1,838 |
| Noncurrent loans to loans | 1.1336% | 1,727 |
| Net loans and leases to total assets | 74.6315% | 1,762 |
| Net loans and leases to deposits | 86.6014% | 2,153 |
| Net loans and leases to core deposits | 90.0226% | 2,526 |
| Total domestic deposits to total assets | 86.1782% | 2,298 |
| Equity capital to assets | 10.7462% | 3,083 |
| Core capital (leverage) ratio | 10.0419% | 3,487 |
| Tier 1 risk-based capital ratio | 12.7896% | 4,130 |
| Total risk-based capital ratio | 13.6078% | 4,271 |
| Memoranda: | ||
| Average total assets | $1,158,481,670 | 647 |
| Average earning assets | $1,061,257,000 | 639 |
| Average equity | $124,885,000 | 666 |
| Average total loans | $874,594,000 | 607 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 3,281 |
| Cost of funding earning assets | 0.2890% | 4,153 |
| Net interest margin | 3.6411% | 2,735 |
| Noninterest income to average assets | 0.5035% | 2,960 |
| Noninterest expense to average assets | 2.5552% | 3,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9725% | 2,427 |
| Return on assets (ROA) | 0.9725% | 2,479 |
| Pretax return on assets | 1.2844% | 2,284 |
| Return on Equity (ROE) | 9.0071% | 2,421 |
| Retained earnings to average equity (ytd only) | 9.0071% | 1,082 |
| Net charge-offs to loans | 0.0171% | 2,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 99.6216% | 534 |
| Efficiency ratio | 64.0530% | 3,824 |
| Assets per employee ($millions) | 4.6651% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 4,939 |
| Loan loss allowance to noncurrent loans | 62.4841% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 1,588 |
| Noncurrent loans to loans | 1.3532% | 1,493 |
| Net loans and leases to total assets | 75.1049% | 1,560 |
| Net loans and leases to deposits | 88.3563% | 1,749 |
| Net loans and leases to core deposits | 92.1001% | 2,155 |
| Total domestic deposits to total assets | 85.0023% | 3,090 |
| Equity capital to assets | 10.9136% | 2,728 |
| Core capital (leverage) ratio | 10.2700% | 3,158 |
| Tier 1 risk-based capital ratio | 12.8993% | 4,146 |
| Total risk-based capital ratio | 13.7201% | 4,310 |
| Memoranda: | ||
| Average total assets | $1,147,929,500 | 654 |
| Average earning assets | $1,051,774,500 | 648 |
| Average equity | $123,947,000 | 664 |
| Average total loans | $868,007,500 | 616 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0058% | 3,176 |
| Cost of funding earning assets | 0.2715% | 4,348 |
| Net interest margin | 3.7343% | 2,559 |
| Noninterest income to average assets | 0.5772% | 2,776 |
| Noninterest expense to average assets | 2.5840% | 3,729 |
| Loan and lease loss provision to assets | 0.2204% | 1,001 |
| Net operating income to assets | 0.9166% | 2,741 |
| Return on assets (ROA) | 0.9302% | 2,791 |
| Pretax return on assets | 1.2105% | 2,621 |
| Return on Equity (ROE) | 8.7154% | 2,556 |
| Retained earnings to average equity (ytd only) | 0.3866% | 5,163 |
| Net charge-offs to loans | 0.0365% | 3,297 |
| Credit loss provision to net charge-offs | 816.3880% | 455 |
| Earnings coverage of net charge-offs (x) | 52.3478% | 983 |
| Efficiency ratio | 61.9110% | 4,269 |
| Assets per employee ($millions) | 4.6298% | 2,920 |
| Cash dividends to net income (ytd only)* | 95.5640% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,932 |
| Loan loss allowance to noncurrent loans | 65.6372% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 1,848 |
| Noncurrent loans to loans | 1.3091% | 1,567 |
| Net loans and leases to total assets | 74.8352% | 1,715 |
| Net loans and leases to deposits | 88.2680% | 1,889 |
| Net loans and leases to core deposits | 91.2560% | 2,367 |
| Total domestic deposits to total assets | 84.7818% | 3,137 |
| Equity capital to assets | 10.6804% | 2,949 |
| Core capital (leverage) ratio | 10.0010% | 3,480 |
| Tier 1 risk-based capital ratio | 13.0752% | 4,017 |
| Total risk-based capital ratio | 13.9242% | 4,166 |
| Memoranda: | ||
| Average total assets | $1,107,521,600 | 649 |
| Average earning assets | $1,014,301,400 | 651 |
| Average equity | $118,205,000 | 674 |
| Average total loans | $819,026,800 | 619 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0291% | 3,113 |
| Cost of funding earning assets | 0.2709% | 4,379 |
| Net interest margin | 3.7581% | 2,493 |
| Noninterest income to average assets | 0.5516% | 2,909 |
| Noninterest expense to average assets | 2.6470% | 3,510 |
| Loan and lease loss provision to assets | 0.0561% | 3,125 |
| Net operating income to assets | 0.9872% | 2,491 |
| Return on assets (ROA) | 1.0052% | 2,545 |
| Pretax return on assets | 1.3151% | 2,367 |
| Return on Equity (ROE) | 9.4201% | 2,299 |
| Retained earnings to average equity (ytd only) | 7.3216% | 1,474 |
| Net charge-offs to loans | 0.0881% | 2,080 |
| Credit loss provision to net charge-offs | 86.5169% | 2,582 |
| Earnings coverage of net charge-offs (x) | 20.7903% | 1,851 |
| Efficiency ratio | 63.4408% | 4,011 |
| Assets per employee ($millions) | 4.6814% | 2,776 |
| Cash dividends to net income (ytd only)* | 22.2772% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6226% | 5,567 |
| Loan loss allowance to noncurrent loans | 43.5361% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 1,898 |
| Noncurrent loans to loans | 1.4301% | 1,517 |
| Net loans and leases to total assets | 72.1160% | 2,175 |
| Net loans and leases to deposits | 82.5820% | 2,656 |
| Net loans and leases to core deposits | 85.2086% | 3,016 |
| Total domestic deposits to total assets | 87.3265% | 1,749 |
| Equity capital to assets | 11.2068% | 2,791 |
| Core capital (leverage) ratio | 10.8306% | 2,648 |
| Tier 1 risk-based capital ratio | 14.2795% | 3,413 |
| Total risk-based capital ratio | 14.8974% | 3,685 |
| Memoranda: | ||
| Average total assets | $1,098,510,000 | 653 |
| Average earning assets | $1,006,365,250 | 660 |
| Average equity | $117,221,750 | 681 |
| Average total loans | $807,981,500 | 624 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 2,741 |
| Cost of funding earning assets | 0.2795% | 4,352 |
| Net interest margin | 3.8521% | 2,127 |
| Noninterest income to average assets | 0.5000% | 3,192 |
| Noninterest expense to average assets | 2.6713% | 3,483 |
| Loan and lease loss provision to assets | 0.0372% | 3,415 |
| Net operating income to assets | 1.0053% | 2,365 |
| Return on assets (ROA) | 1.0327% | 2,374 |
| Pretax return on assets | 1.3577% | 2,177 |
| Return on Equity (ROE) | 9.8538% | 2,114 |
| Retained earnings to average equity (ytd only) | 8.2295% | 1,099 |
| Net charge-offs to loans | 0.0238% | 3,011 |
| Credit loss provision to net charge-offs | 211.5789% | 1,250 |
| Earnings coverage of net charge-offs (x) | 77.2947% | 722 |
| Efficiency ratio | 63.5429% | 4,092 |
| Assets per employee ($millions) | 4.5783% | 2,899 |
| Cash dividends to net income (ytd only)* | 16.4845% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 5,630 |
| Loan loss allowance to noncurrent loans | 48.8161% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.0101% | 2,123 |
| Noncurrent loans to loans | 1.3115% | 1,722 |
| Net loans and leases to total assets | 74.1462% | 1,813 |
| Net loans and leases to deposits | 87.4474% | 2,072 |
| Net loans and leases to core deposits | 90.4751% | 2,492 |
| Total domestic deposits to total assets | 84.7896% | 2,964 |
| Equity capital to assets | 11.2621% | 2,787 |
| Core capital (leverage) ratio | 10.5567% | 2,908 |
| Tier 1 risk-based capital ratio | 13.8130% | 3,716 |
| Total risk-based capital ratio | 14.4437% | 3,997 |
| Memoranda: | ||
| Average total assets | $1,080,807,330 | 663 |
| Average earning assets | $990,477,330 | 668 |
| Average equity | $113,276,000 | 712 |
| Average total loans | $798,740,670 | 625 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 2,666 |
| Cost of funding earning assets | 0.2882% | 4,296 |
| Net interest margin | 3.8577% | 2,080 |
| Noninterest income to average assets | 0.4989% | 3,119 |
| Noninterest expense to average assets | 2.6951% | 3,432 |
| Loan and lease loss provision to assets | 0.0824% | 2,307 |
| Net operating income to assets | 0.9628% | 2,450 |
| Return on assets (ROA) | 1.0036% | 2,377 |
| Pretax return on assets | 1.3116% | 2,255 |
| Return on Equity (ROE) | 9.9627% | 1,996 |
| Retained earnings to average equity (ytd only) | 9.9627% | 851 |
| Net charge-offs to loans | 0.0201% | 2,536 |
| Credit loss provision to net charge-offs | 558.9744% | 555 |
| Earnings coverage of net charge-offs (x) | 90.9744% | 576 |
| Efficiency ratio | 63.9820% | 4,126 |
| Assets per employee ($millions) | 4.8000% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6334% | 5,697 |
| Loan loss allowance to noncurrent loans | 49.8492% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 2,234 |
| Noncurrent loans to loans | 1.2705% | 1,904 |
| Net loans and leases to total assets | 74.9006% | 1,569 |
| Net loans and leases to deposits | 89.9497% | 1,583 |
| Net loans and leases to core deposits | 93.0920% | 2,081 |
| Total domestic deposits to total assets | 83.2695% | 3,801 |
| Equity capital to assets | 10.8742% | 3,080 |
| Core capital (leverage) ratio | 10.3482% | 3,129 |
| Tier 1 risk-based capital ratio | 13.2519% | 4,117 |
| Total risk-based capital ratio | 13.8779% | 4,413 |
| Memoranda: | ||
| Average total assets | $1,058,236,000 | 677 |
| Average earning assets | $970,327,000 | 687 |
| Average equity | $106,598,000 | 754 |
| Average total loans | $778,036,500 | 642 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 4,275 |
| Cost of funding earning assets | 0.2585% | 4,704 |
| Net interest margin | 3.4716% | 3,628 |
| Noninterest income to average assets | 0.6043% | 2,696 |
| Noninterest expense to average assets | 2.7722% | 3,344 |
| Loan and lease loss provision to assets | 0.0944% | 2,433 |
| Net operating income to assets | 0.7510% | 3,563 |
| Return on assets (ROA) | 0.7430% | 3,704 |
| Pretax return on assets | 0.8953% | 3,855 |
| Return on Equity (ROE) | 7.2037% | 3,407 |
| Retained earnings to average equity (ytd only) | -12.5425% | 6,070 |
| Net charge-offs to loans | 0.0685% | 2,868 |
| Credit loss provision to net charge-offs | 199.7826% | 1,406 |
| Earnings coverage of net charge-offs (x) | 21.1522% | 1,829 |
| Efficiency ratio | 70.0515% | 3,217 |
| Assets per employee ($millions) | 4.2722% | 3,447 |
| Cash dividends to net income (ytd only)* | 274.1120% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 5,507 |
| Loan loss allowance to noncurrent loans | 49.6798% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.1346% | 1,931 |
| Noncurrent loans to loans | 1.5279% | 1,522 |
| Net loans and leases to total assets | 70.8037% | 2,247 |
| Net loans and leases to deposits | 81.3242% | 2,673 |
| Net loans and leases to core deposits | 82.4408% | 3,097 |
| Total domestic deposits to total assets | 87.0635% | 2,100 |
| Equity capital to assets | 9.1337% | 4,985 |
| Core capital (leverage) ratio | 8.5233% | 5,398 |
| Tier 1 risk-based capital ratio | 11.7288% | 5,112 |
| Total risk-based capital ratio | 12.4620% | 5,314 |
| Memoranda: | ||
| Average total assets | $973,702,200 | 713 |
| Average earning assets | $888,333,000 | 714 |
| Average equity | $100,434,600 | 768 |
| Average total loans | $672,002,800 | 701 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7582% | 4,231 |
| Cost of funding earning assets | 0.2600% | 4,773 |
| Net interest margin | 3.4982% | 3,543 |
| Noninterest income to average assets | 0.6035% | 2,722 |
| Noninterest expense to average assets | 2.6819% | 3,625 |
| Loan and lease loss provision to assets | 0.0548% | 3,098 |
| Net operating income to assets | 0.8221% | 3,322 |
| Return on assets (ROA) | 0.8115% | 3,471 |
| Pretax return on assets | 1.0386% | 3,471 |
| Return on Equity (ROE) | 7.6486% | 3,257 |
| Retained earnings to average equity (ytd only) | 3.6707% | 3,851 |
| Net charge-offs to loans | 0.0010% | 4,159 |
| Credit loss provision to net charge-offs | 8,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,615.7511% | 42 |
| Efficiency ratio | 67.1630% | 3,680 |
| Assets per employee ($millions) | 4.4138% | 3,152 |
| Cash dividends to net income (ytd only)* | 52.0081% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 5,601 |
| Loan loss allowance to noncurrent loans | 65.7374% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0962% | 2,160 |
| Noncurrent loans to loans | 1.1618% | 2,196 |
| Net loans and leases to total assets | 68.7887% | 2,569 |
| Net loans and leases to deposits | 78.0595% | 3,093 |
| Net loans and leases to core deposits | 79.1058% | 3,498 |
| Total domestic deposits to total assets | 88.1234% | 1,492 |
| Equity capital to assets | 10.6066% | 3,463 |
| Core capital (leverage) ratio | 10.1614% | 3,425 |
| Tier 1 risk-based capital ratio | 13.7556% | 3,990 |
| Total risk-based capital ratio | 14.4861% | 4,214 |
| Memoranda: | ||
| Average total assets | $973,611,750 | 714 |
| Average earning assets | $886,541,500 | 718 |
| Average equity | $103,301,250 | 752 |
| Average total loans | $666,266,500 | 710 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6695% | 4,509 |
| Cost of funding earning assets | 0.2585% | 4,850 |
| Net interest margin | 3.4110% | 3,871 |
| Noninterest income to average assets | 0.5876% | 2,809 |
| Noninterest expense to average assets | 2.6213% | 3,843 |
| Loan and lease loss provision to assets | 0.0412% | 3,286 |
| Net operating income to assets | 0.8191% | 3,288 |
| Return on assets (ROA) | 0.8026% | 3,466 |
| Pretax return on assets | 1.0084% | 3,551 |
| Return on Equity (ROE) | 7.5639% | 3,280 |
| Retained earnings to average equity (ytd only) | 3.9092% | 3,515 |
| Net charge-offs to loans | 0.0076% | 3,628 |
| Credit loss provision to net charge-offs | 800.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 207.6400% | 340 |
| Efficiency ratio | 67.0595% | 3,827 |
| Assets per employee ($millions) | 4.3821% | 3,166 |
| Cash dividends to net income (ytd only)* | 48.3175% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 5,723 |
| Loan loss allowance to noncurrent loans | 59.9592% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 2,210 |
| Noncurrent loans to loans | 1.2414% | 2,173 |
| Net loans and leases to total assets | 68.1044% | 2,627 |
| Net loans and leases to deposits | 77.1849% | 3,134 |
| Net loans and leases to core deposits | 78.2625% | 3,549 |
| Total domestic deposits to total assets | 88.2353% | 1,527 |
| Equity capital to assets | 10.6085% | 3,313 |
| Core capital (leverage) ratio | 9.7883% | 3,876 |
| Tier 1 risk-based capital ratio | 14.1931% | 3,818 |
| Total risk-based capital ratio | 14.9339% | 4,042 |
| Memoranda: | ||
| Average total assets | $970,056,670 | 721 |
| Average earning assets | $882,732,670 | 727 |
| Average equity | $102,935,670 | 760 |
| Average total loans | $660,928,000 | 712 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 4,228 |
| Cost of funding earning assets | 0.2624% | 4,875 |
| Net interest margin | 3.4782% | 3,516 |
| Noninterest income to average assets | 0.5856% | 2,732 |
| Noninterest expense to average assets | 2.6993% | 3,595 |
| Loan and lease loss provision to assets | 0.0414% | 3,088 |
| Net operating income to assets | 0.8286% | 3,123 |
| Return on assets (ROA) | 0.7946% | 3,422 |
| Pretax return on assets | 0.9689% | 3,608 |
| Return on Equity (ROE) | 7.4876% | 3,224 |
| Retained earnings to average equity (ytd only) | 5.5377% | 2,755 |
| Net charge-offs to loans | -0.0280% | 5,213 |
| Credit loss provision to net charge-offs | -217.3913% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7370% | 3,871 |
| Assets per employee ($millions) | 4.4146% | 3,184 |
| Cash dividends to net income (ytd only)* | 26.0417% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 5,812 |
| Loan loss allowance to noncurrent loans | 51.7033% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2810% | 2,076 |
| Noncurrent loans to loans | 1.4460% | 1,974 |
| Net loans and leases to total assets | 66.9291% | 2,619 |
| Net loans and leases to deposits | 75.7803% | 3,079 |
| Net loans and leases to core deposits | 76.8361% | 3,511 |
| Total domestic deposits to total assets | 88.3200% | 1,647 |
| Equity capital to assets | 10.5196% | 3,511 |
| Core capital (leverage) ratio | 10.4104% | 3,087 |
| Tier 1 risk-based capital ratio | 14.7932% | 3,544 |
| Total risk-based capital ratio | 15.5253% | 3,768 |
| Memoranda: | ||
| Average total assets | $966,481,500 | 720 |
| Average earning assets | $879,528,000 | 727 |
| Average equity | $102,570,000 | 760 |
| Average total loans | $656,136,000 | 715 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 3,968 |
| Cost of funding earning assets | 0.3841% | 3,857 |
| Net interest margin | 3.5559% | 3,577 |
| Noninterest income to average assets | 0.1504% | 5,941 |
| Noninterest expense to average assets | 2.6467% | 4,063 |
| Loan and lease loss provision to assets | 0.0497% | 3,570 |
| Net operating income to assets | 0.7851% | 3,446 |
| Return on assets (ROA) | 0.7856% | 3,534 |
| Pretax return on assets | 0.7644% | 4,388 |
| Return on Equity (ROE) | 7.7030% | 3,272 |
| Retained earnings to average equity (ytd only) | -4.8539% | 6,175 |
| Net charge-offs to loans | -0.0744% | 6,038 |
| Credit loss provision to net charge-offs | -94.9821% | 5,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2625% | 2,973 |
| Assets per employee ($millions) | 4.1880% | 3,570 |
| Cash dividends to net income (ytd only)* | 163.0134% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 3,272 |
| Loan loss allowance to noncurrent loans | 83.6222% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.5335% | 1,773 |
| Noncurrent loans to loans | 1.5900% | 1,837 |
| Net loans and leases to total assets | 68.7049% | 2,458 |
| Net loans and leases to deposits | 77.1211% | 3,068 |
| Net loans and leases to core deposits | 78.2376% | 3,495 |
| Total domestic deposits to total assets | 89.0870% | 1,188 |
| Equity capital to assets | 9.4007% | 4,844 |
| Core capital (leverage) ratio | 9.7594% | 3,887 |
| Tier 1 risk-based capital ratio | 14.0909% | 4,035 |
| Total risk-based capital ratio | 15.3417% | 3,955 |
| Memoranda: | ||
| Average total assets | $533,085,000 | 1,256 |
| Average earning assets | $496,191,400 | 1,240 |
| Average equity | $54,368,600 | 1,341 |
| Average total loans | $375,079,200 | 1,178 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8184% | 4,477 |
| Cost of funding earning assets | 0.4309% | 3,456 |
| Net interest margin | 3.3876% | 4,285 |
| Noninterest income to average assets | 0.4128% | 4,155 |
| Noninterest expense to average assets | 3.0456% | 2,655 |
| Loan and lease loss provision to assets | 0.0309% | 3,794 |
| Net operating income to assets | 0.6512% | 4,216 |
| Return on assets (ROA) | 0.6521% | 4,305 |
| Pretax return on assets | 0.5125% | 5,295 |
| Return on Equity (ROE) | 6.1331% | 4,166 |
| Retained earnings to average equity (ytd only) | 1.7772% | 5,164 |
| Net charge-offs to loans | 0.0576% | 3,393 |
| Credit loss provision to net charge-offs | 75.7576% | 2,675 |
| Earnings coverage of net charge-offs (x) | 13.3103% | 2,240 |
| Efficiency ratio | 82.6005% | 1,538 |
| Assets per employee ($millions) | 5.0712% | 2,160 |
| Cash dividends to net income (ytd only)* | 71.0227% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 3,778 |
| Loan loss allowance to noncurrent loans | 112.7862% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.6333% | 1,851 |
| Noncurrent loans to loans | 1.1307% | 2,796 |
| Net loans and leases to total assets | 71.7107% | 1,902 |
| Net loans and leases to deposits | 80.5856% | 2,604 |
| Net loans and leases to core deposits | 82.6613% | 3,040 |
| Total domestic deposits to total assets | 88.9870% | 1,247 |
| Equity capital to assets | 10.5584% | 3,490 |
| Core capital (leverage) ratio | 10.5900% | 2,935 |
| Tier 1 risk-based capital ratio | 15.7113% | 3,205 |
| Total risk-based capital ratio | 16.8121% | 3,217 |
| Memoranda: | ||
| Average total assets | $431,830,250 | 1,552 |
| Average earning assets | $404,762,000 | 1,521 |
| Average equity | $45,913,750 | 1,571 |
| Average total loans | $305,547,000 | 1,413 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7835% | 4,582 |
| Cost of funding earning assets | 0.4425% | 3,414 |
| Net interest margin | 3.3411% | 4,435 |
| Noninterest income to average assets | 0.4136% | 4,143 |
| Noninterest expense to average assets | 2.3202% | 5,103 |
| Loan and lease loss provision to assets | 0.0372% | 3,550 |
| Net operating income to assets | 0.9435% | 2,579 |
| Return on assets (ROA) | 0.9442% | 2,678 |
| Pretax return on assets | 1.1835% | 2,745 |
| Return on Equity (ROE) | 8.8600% | 2,657 |
| Retained earnings to average equity (ytd only) | 4.4997% | 3,310 |
| Net charge-offs to loans | 0.0563% | 3,158 |
| Credit loss provision to net charge-offs | 94.1176% | 2,111 |
| Earnings coverage of net charge-offs (x) | 30.8824% | 1,232 |
| Efficiency ratio | 63.2318% | 4,812 |
| Assets per employee ($millions) | 5.0598% | 2,137 |
| Cash dividends to net income (ytd only)* | 49.2126% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 3,712 |
| Loan loss allowance to noncurrent loans | 87.4812% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.3907% | 1,212 |
| Noncurrent loans to loans | 1.5171% | 2,293 |
| Net loans and leases to total assets | 69.4891% | 2,161 |
| Net loans and leases to deposits | 78.1067% | 2,787 |
| Net loans and leases to core deposits | 80.1454% | 3,193 |
| Total domestic deposits to total assets | 88.9669% | 1,375 |
| Equity capital to assets | 10.6773% | 3,220 |
| Core capital (leverage) ratio | 10.6302% | 2,791 |
| Tier 1 risk-based capital ratio | 16.2954% | 2,931 |
| Total risk-based capital ratio | 17.4372% | 2,938 |
| Memoranda: | ||
| Average total assets | $430,400,670 | 1,559 |
| Average earning assets | $402,745,000 | 1,523 |
| Average equity | $45,869,330 | 1,561 |
| Average total loans | $301,801,330 | 1,424 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7840% | 4,555 |
| Cost of funding earning assets | 0.4613% | 3,298 |
| Net interest margin | 3.3227% | 4,449 |
| Noninterest income to average assets | 0.4607% | 3,706 |
| Noninterest expense to average assets | 2.3298% | 5,124 |
| Loan and lease loss provision to assets | 0.0561% | 2,992 |
| Net operating income to assets | 0.9452% | 2,429 |
| Return on assets (ROA) | 0.9467% | 2,490 |
| Pretax return on assets | 1.1868% | 2,543 |
| Return on Equity (ROE) | 8.8912% | 2,514 |
| Retained earnings to average equity (ytd only) | 4.5027% | 3,416 |
| Net charge-offs to loans | 0.0975% | 2,191 |
| Credit loss provision to net charge-offs | 82.1918% | 1,881 |
| Earnings coverage of net charge-offs (x) | 18.1918% | 1,427 |
| Efficiency ratio | 62.9416% | 5,008 |
| Assets per employee ($millions) | 4.9283% | 2,341 |
| Cash dividends to net income (ytd only)* | 49.3583% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 3,883 |
| Loan loss allowance to noncurrent loans | 57.7629% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 2.9701% | 971 |
| Noncurrent loans to loans | 2.3263% | 1,524 |
| Net loans and leases to total assets | 68.7127% | 2,109 |
| Net loans and leases to deposits | 77.0824% | 2,673 |
| Net loans and leases to core deposits | 79.1277% | 3,073 |
| Total domestic deposits to total assets | 89.1419% | 1,562 |
| Equity capital to assets | 10.6059% | 3,138 |
| Core capital (leverage) ratio | 10.6858% | 2,720 |
| Tier 1 risk-based capital ratio | 16.9442% | 2,719 |
| Total risk-based capital ratio | 18.1547% | 2,690 |
| Memoranda: | ||
| Average total assets | $428,028,000 | 1,569 |
| Average earning assets | $400,635,000 | 1,533 |
| Average equity | $45,573,000 | 1,569 |
| Average total loans | $299,479,000 | 1,444 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 4,022 |
| Cost of funding earning assets | 0.5486% | 3,124 |
| Net interest margin | 3.4708% | 4,021 |
| Noninterest income to average assets | 0.6001% | 3,101 |
| Noninterest expense to average assets | 2.3577% | 5,208 |
| Loan and lease loss provision to assets | 0.0229% | 4,668 |
| Net operating income to assets | 1.1201% | 1,871 |
| Return on assets (ROA) | 1.1231% | 1,922 |
| Pretax return on assets | 1.4603% | 1,579 |
| Return on Equity (ROE) | 10.6634% | 1,876 |
| Retained earnings to average equity (ytd only) | 8.2205% | 980 |
| Net charge-offs to loans | 0.1804% | 3,020 |
| Credit loss provision to net charge-offs | 18.2692% | 4,478 |
| Earnings coverage of net charge-offs (x) | 11.8096% | 2,196 |
| Efficiency ratio | 59.2290% | 5,571 |
| Assets per employee ($millions) | 4.6413% | 2,668 |
| Cash dividends to net income (ytd only)* | 22.9086% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 3,786 |
| Loan loss allowance to noncurrent loans | 51.1558% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 3.2863% | 918 |
| Noncurrent loans to loans | 2.6811% | 1,373 |
| Net loans and leases to total assets | 69.3301% | 2,119 |
| Net loans and leases to deposits | 77.7282% | 2,760 |
| Net loans and leases to core deposits | 78.9958% | 3,237 |
| Total domestic deposits to total assets | 89.1955% | 1,492 |
| Equity capital to assets | 10.6896% | 2,946 |
| Core capital (leverage) ratio | 10.3977% | 3,025 |
| Tier 1 risk-based capital ratio | 15.9415% | 3,122 |
| Total risk-based capital ratio | 17.1942% | 3,080 |
| Memoranda: | ||
| Average total assets | $415,106,600 | 1,589 |
| Average earning assets | $387,140,400 | 1,560 |
| Average equity | $43,719,800 | 1,598 |
| Average total loans | $288,307,400 | 1,473 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 4,023 |
| Cost of funding earning assets | 0.5495% | 3,267 |
| Net interest margin | 3.4784% | 3,976 |
| Noninterest income to average assets | 0.5429% | 3,500 |
| Noninterest expense to average assets | 2.3495% | 5,182 |
| Loan and lease loss provision to assets | 0.0306% | 4,394 |
| Net operating income to assets | 1.0839% | 2,072 |
| Return on assets (ROA) | 1.0859% | 2,143 |
| Pretax return on assets | 1.4062% | 1,913 |
| Return on Equity (ROE) | 10.3497% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.4273% | 930 |
| Net charge-offs to loans | -0.0200% | 6,043 |
| Credit loss provision to net charge-offs | -220.9302% | 5,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8346% | 5,464 |
| Assets per employee ($millions) | 4.6745% | 2,613 |
| Cash dividends to net income (ytd only)* | 8.9127% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 3,034 |
| Loan loss allowance to noncurrent loans | 88.3362% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 2.5972% | 1,463 |
| Noncurrent loans to loans | 1.8026% | 2,494 |
| Net loans and leases to total assets | 68.8520% | 2,165 |
| Net loans and leases to deposits | 77.3652% | 2,762 |
| Net loans and leases to core deposits | 78.4255% | 3,308 |
| Total domestic deposits to total assets | 88.9961% | 1,554 |
| Equity capital to assets | 10.7044% | 3,065 |
| Core capital (leverage) ratio | 10.3918% | 3,117 |
| Tier 1 risk-based capital ratio | 16.0520% | 3,168 |
| Total risk-based capital ratio | 17.3074% | 3,124 |
| Memoranda: | ||
| Average total assets | $413,292,750 | 1,605 |
| Average earning assets | $385,074,750 | 1,575 |
| Average equity | $43,362,500 | 1,625 |
| Average total loans | $286,160,250 | 1,487 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0022% | 4,098 |
| Cost of funding earning assets | 0.5462% | 3,457 |
| Net interest margin | 3.4559% | 3,977 |
| Noninterest income to average assets | 0.5262% | 3,656 |
| Noninterest expense to average assets | 2.3459% | 5,226 |
| Loan and lease loss provision to assets | 0.0461% | 4,050 |
| Net operating income to assets | 1.0509% | 2,109 |
| Return on assets (ROA) | 1.0539% | 2,219 |
| Pretax return on assets | 1.3599% | 2,085 |
| Return on Equity (ROE) | 10.1135% | 2,157 |
| Retained earnings to average equity (ytd only) | 10.1135% | 821 |
| Net charge-offs to loans | 0.0492% | 3,989 |
| Credit loss provision to net charge-offs | 135.7143% | 1,669 |
| Earnings coverage of net charge-offs (x) | 41.3000% | 914 |
| Efficiency ratio | 60.3131% | 5,435 |
| Assets per employee ($millions) | 4.7704% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 3,298 |
| Loan loss allowance to noncurrent loans | 84.6816% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 2.3558% | 1,821 |
| Noncurrent loans to loans | 1.8474% | 2,565 |
| Net loans and leases to total assets | 67.0190% | 2,407 |
| Net loans and leases to deposits | 75.0025% | 3,011 |
| Net loans and leases to core deposits | 75.8976% | 3,555 |
| Total domestic deposits to total assets | 89.3556% | 1,408 |
| Equity capital to assets | 10.4472% | 3,373 |
| Core capital (leverage) ratio | 10.2929% | 3,109 |
| Tier 1 risk-based capital ratio | 16.0080% | 3,191 |
| Total risk-based capital ratio | 17.2619% | 3,128 |
| Memoranda: | ||
| Average total assets | $412,381,330 | 1,608 |
| Average earning assets | $384,440,330 | 1,577 |
| Average equity | $42,972,330 | 1,641 |
| Average total loans | $284,521,000 | 1,493 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 3,592 |
| Cost of funding earning assets | 0.5421% | 3,649 |
| Net interest margin | 3.5904% | 3,300 |
| Noninterest income to average assets | 0.4726% | 3,976 |
| Noninterest expense to average assets | 2.2713% | 5,498 |
| Loan and lease loss provision to assets | 0.0541% | 3,723 |
| Net operating income to assets | 1.1426% | 1,710 |
| Return on assets (ROA) | 1.1479% | 1,792 |
| Pretax return on assets | 1.4994% | 1,554 |
| Return on Equity (ROE) | 11.0310% | 1,698 |
| Retained earnings to average equity (ytd only) | 11.0310% | 868 |
| Net charge-offs to loans | 0.1120% | 2,761 |
| Credit loss provision to net charge-offs | 69.6203% | 2,299 |
| Earnings coverage of net charge-offs (x) | 19.8861% | 1,201 |
| Efficiency ratio | 57.2202% | 5,931 |
| Assets per employee ($millions) | 4.9650% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 3,499 |
| Loan loss allowance to noncurrent loans | 87.2951% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.3807% | 1,951 |
| Noncurrent loans to loans | 1.8060% | 2,851 |
| Net loans and leases to total assets | 66.9555% | 2,207 |
| Net loans and leases to deposits | 75.0766% | 2,762 |
| Net loans and leases to core deposits | 76.0787% | 3,312 |
| Total domestic deposits to total assets | 89.1829% | 1,574 |
| Equity capital to assets | 10.3663% | 3,714 |
| Core capital (leverage) ratio | 10.5961% | 2,653 |
| Tier 1 risk-based capital ratio | 15.9024% | 3,321 |
| Total risk-based capital ratio | 17.1592% | 3,284 |
| Memoranda: | ||
| Average total assets | $406,291,000 | 1,651 |
| Average earning assets | $378,561,500 | 1,614 |
| Average equity | $42,281,000 | 1,689 |
| Average total loans | $282,252,000 | 1,505 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 4,003 |
| Cost of funding earning assets | 0.6156% | 4,213 |
| Net interest margin | 3.7406% | 3,477 |
| Noninterest income to average assets | 0.5068% | 3,852 |
| Noninterest expense to average assets | 2.4883% | 5,141 |
| Loan and lease loss provision to assets | 0.0532% | 5,140 |
| Net operating income to assets | 1.1680% | 1,701 |
| Return on assets (ROA) | 1.1705% | 1,862 |
| Pretax return on assets | 1.4631% | 1,807 |
| Return on Equity (ROE) | 11.3874% | 1,688 |
| Retained earnings to average equity (ytd only) | 2.9229% | 4,170 |
| Net charge-offs to loans | 0.1273% | 4,411 |
| Credit loss provision to net charge-offs | 55.8201% | 4,553 |
| Earnings coverage of net charge-offs (x) | 15.8704% | 1,623 |
| Efficiency ratio | 59.9571% | 5,545 |
| Assets per employee ($millions) | 4.7653% | 2,551 |
| Cash dividends to net income (ytd only)* | 74.3319% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 3,308 |
| Loan loss allowance to noncurrent loans | 70.4528% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 2.7951% | 1,716 |
| Noncurrent loans to loans | 2.2733% | 2,382 |
| Net loans and leases to total assets | 69.8544% | 1,874 |
| Net loans and leases to deposits | 78.4784% | 2,468 |
| Net loans and leases to core deposits | 79.6091% | 3,062 |
| Total domestic deposits to total assets | 89.0109% | 1,556 |
| Equity capital to assets | 10.4490% | 3,587 |
| Core capital (leverage) ratio | 10.2856% | 3,029 |
| Tier 1 risk-based capital ratio | 15.5868% | 3,379 |
| Total risk-based capital ratio | 16.8444% | 3,336 |
| Memoranda: | ||
| Average total assets | $396,422,600 | 1,650 |
| Average earning assets | $370,369,000 | 1,611 |
| Average equity | $40,746,800 | 1,712 |
| Average total loans | $297,042,800 | 1,412 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3666% | 4,182 |
| Cost of funding earning assets | 0.6223% | 4,433 |
| Net interest margin | 3.7444% | 3,583 |
| Noninterest income to average assets | 0.4598% | 4,212 |
| Noninterest expense to average assets | 2.3120% | 5,655 |
| Loan and lease loss provision to assets | 0.0709% | 4,783 |
| Net operating income to assets | 1.2260% | 1,647 |
| Return on assets (ROA) | 1.2286% | 1,811 |
| Pretax return on assets | 1.5856% | 1,620 |
| Return on Equity (ROE) | 12.0025% | 1,639 |
| Retained earnings to average equity (ytd only) | 7.0767% | 2,082 |
| Net charge-offs to loans | 0.1599% | 3,834 |
| Credit loss provision to net charge-offs | 58.4488% | 4,192 |
| Earnings coverage of net charge-offs (x) | 13.6233% | 1,899 |
| Efficiency ratio | 56.0614% | 6,050 |
| Assets per employee ($millions) | 4.8160% | 2,422 |
| Cash dividends to net income (ytd only)* | 41.0397% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 3,814 |
| Loan loss allowance to noncurrent loans | 70.9525% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 2.9615% | 1,767 |
| Noncurrent loans to loans | 2.1580% | 2,666 |
| Net loans and leases to total assets | 72.6225% | 1,449 |
| Net loans and leases to deposits | 81.5951% | 2,173 |
| Net loans and leases to core deposits | 83.1053% | 2,810 |
| Total domestic deposits to total assets | 89.0035% | 1,423 |
| Equity capital to assets | 10.4281% | 3,922 |
| Core capital (leverage) ratio | 10.1722% | 3,314 |
| Tier 1 risk-based capital ratio | 15.1641% | 3,734 |
| Total risk-based capital ratio | 16.4180% | 3,676 |
| Memoranda: | ||
| Average total assets | $396,648,250 | 1,671 |
| Average earning assets | $371,322,500 | 1,625 |
| Average equity | $40,601,500 | 1,737 |
| Average total loans | $301,107,250 | 1,403 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 4,461 |
| Cost of funding earning assets | 0.6228% | 4,693 |
| Net interest margin | 3.7055% | 3,789 |
| Noninterest income to average assets | 0.4155% | 4,539 |
| Noninterest expense to average assets | 2.3846% | 5,508 |
| Loan and lease loss provision to assets | 0.0819% | 4,573 |
| Net operating income to assets | 1.1277% | 1,955 |
| Return on assets (ROA) | 1.1289% | 2,165 |
| Pretax return on assets | 1.4307% | 2,087 |
| Return on Equity (ROE) | 11.0982% | 1,960 |
| Retained earnings to average equity (ytd only) | 6.1281% | 2,631 |
| Net charge-offs to loans | 0.1141% | 4,032 |
| Credit loss provision to net charge-offs | 93.6416% | 2,937 |
| Earnings coverage of net charge-offs (x) | 17.2775% | 1,540 |
| Efficiency ratio | 58.9281% | 5,742 |
| Assets per employee ($millions) | 4.6722% | 2,606 |
| Cash dividends to net income (ytd only)* | 44.7828% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 3,783 |
| Loan loss allowance to noncurrent loans | 41.7534% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 3.2223% | 1,690 |
| Noncurrent loans to loans | 3.7111% | 1,525 |
| Net loans and leases to total assets | 72.7299% | 1,437 |
| Net loans and leases to deposits | 81.2079% | 2,204 |
| Net loans and leases to core deposits | 82.8650% | 2,846 |
| Total domestic deposits to total assets | 89.5602% | 1,191 |
| Equity capital to assets | 9.9505% | 4,415 |
| Core capital (leverage) ratio | 10.1965% | 3,149 |
| Tier 1 risk-based capital ratio | 14.4474% | 4,135 |
| Total risk-based capital ratio | 15.7018% | 4,101 |
| Memoranda: | ||
| Average total assets | $395,622,330 | 1,673 |
| Average earning assets | $371,554,330 | 1,629 |
| Average equity | $40,240,670 | 1,738 |
| Average total loans | $303,208,000 | 1,395 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 4,705 |
| Cost of funding earning assets | 0.6367% | 4,838 |
| Net interest margin | 3.6711% | 3,958 |
| Noninterest income to average assets | 0.4029% | 4,649 |
| Noninterest expense to average assets | 2.4613% | 5,284 |
| Loan and lease loss provision to assets | 0.0318% | 4,971 |
| Net operating income to assets | 1.1030% | 2,069 |
| Return on assets (ROA) | 1.1030% | 2,254 |
| Pretax return on assets | 1.3675% | 2,298 |
| Return on Equity (ROE) | 10.7231% | 2,131 |
| Retained earnings to average equity (ytd only) | 5.7403% | 3,119 |
| Net charge-offs to loans | -0.0039% | 5,772 |
| Credit loss provision to net charge-offs | -1,033.3333% | 5,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4180% | 5,379 |
| Assets per employee ($millions) | 4.6140% | 2,784 |
| Cash dividends to net income (ytd only)* | 46.4684% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 3,952 |
| Loan loss allowance to noncurrent loans | 50.7672% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 2.8790% | 2,023 |
| Noncurrent loans to loans | 3.0489% | 2,116 |
| Net loans and leases to total assets | 76.1941% | 778 |
| Net loans and leases to deposits | 85.3515% | 1,492 |
| Net loans and leases to core deposits | 87.4235% | 2,124 |
| Total domestic deposits to total assets | 89.2710% | 1,498 |
| Equity capital to assets | 10.4695% | 3,527 |
| Core capital (leverage) ratio | 10.2447% | 3,059 |
| Tier 1 risk-based capital ratio | 14.3744% | 4,193 |
| Total risk-based capital ratio | 15.6294% | 4,161 |
| Memoranda: | ||
| Average total assets | $390,192,500 | 1,706 |
| Average earning assets | $367,520,500 | 1,644 |
| Average equity | $40,137,500 | 1,731 |
| Average total loans | $304,668,500 | 1,387 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 5,620 |
| Cost of funding earning assets | 0.7938% | 4,913 |
| Net interest margin | 3.5494% | 4,938 |
| Noninterest income to average assets | 0.4145% | 4,498 |
| Noninterest expense to average assets | 2.2554% | 6,153 |
| Loan and lease loss provision to assets | 0.3720% | 2,760 |
| Net operating income to assets | 0.9187% | 2,527 |
| Return on assets (ROA) | 0.9273% | 2,616 |
| Pretax return on assets | 1.1784% | 2,538 |
| Return on Equity (ROE) | 9.2123% | 2,361 |
| Retained earnings to average equity (ytd only) | 3.1416% | 3,985 |
| Net charge-offs to loans | 0.3445% | 3,678 |
| Credit loss provision to net charge-offs | 142.9550% | 2,032 |
| Earnings coverage of net charge-offs (x) | 5.9159% | 2,646 |
| Efficiency ratio | 57.0652% | 6,180 |
| Assets per employee ($millions) | 4.5670% | 2,803 |
| Cash dividends to net income (ytd only)* | 65.8979% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 3,910 |
| Loan loss allowance to noncurrent loans | 52.5284% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 2.8279% | 2,139 |
| Noncurrent loans to loans | 2.9034% | 2,249 |
| Net loans and leases to total assets | 77.5768% | 759 |
| Net loans and leases to deposits | 86.6220% | 1,591 |
| Net loans and leases to core deposits | 89.3162% | 2,219 |
| Total domestic deposits to total assets | 89.5579% | 1,230 |
| Equity capital to assets | 10.1018% | 4,031 |
| Core capital (leverage) ratio | 9.8400% | 3,531 |
| Tier 1 risk-based capital ratio | 13.9136% | 4,387 |
| Total risk-based capital ratio | 15.1688% | 4,344 |
| Memoranda: | ||
| Average total assets | $392,745,000 | 1,650 |
| Average earning assets | $374,033,800 | 1,590 |
| Average equity | $39,534,200 | 1,710 |
| Average total loans | $296,693,800 | 1,432 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 5,787 |
| Cost of funding earning assets | 0.8280% | 4,962 |
| Net interest margin | 3.5189% | 5,110 |
| Noninterest income to average assets | 0.3866% | 4,760 |
| Noninterest expense to average assets | 2.3120% | 5,999 |
| Loan and lease loss provision to assets | 0.2586% | 3,434 |
| Net operating income to assets | 0.8804% | 2,822 |
| Return on assets (ROA) | 0.8913% | 2,927 |
| Pretax return on assets | 1.1854% | 2,682 |
| Return on Equity (ROE) | 8.8620% | 2,668 |
| Retained earnings to average equity (ytd only) | 3.8134% | 4,013 |
| Net charge-offs to loans | 0.2024% | 4,184 |
| Credit loss provision to net charge-offs | 170.9172% | 1,765 |
| Earnings coverage of net charge-offs (x) | 9.4474% | 2,044 |
| Efficiency ratio | 59.3956% | 5,807 |
| Assets per employee ($millions) | 4.7347% | 2,574 |
| Cash dividends to net income (ytd only)* | 56.9692% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 3,947 |
| Loan loss allowance to noncurrent loans | 47.8609% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.9709% | 2,162 |
| Noncurrent loans to loans | 3.2030% | 2,169 |
| Net loans and leases to total assets | 74.2380% | 1,298 |
| Net loans and leases to deposits | 82.7461% | 2,216 |
| Net loans and leases to core deposits | 85.1210% | 2,897 |
| Total domestic deposits to total assets | 89.7178% | 1,028 |
| Equity capital to assets | 10.0979% | 4,209 |
| Core capital (leverage) ratio | 9.6343% | 3,941 |
| Tier 1 risk-based capital ratio | 13.9955% | 4,356 |
| Total risk-based capital ratio | 15.2508% | 4,325 |
| Memoranda: | ||
| Average total assets | $393,882,000 | 1,656 |
| Average earning assets | $375,522,000 | 1,593 |
| Average equity | $39,614,000 | 1,709 |
| Average total loans | $294,413,500 | 1,462 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 5,864 |
| Cost of funding earning assets | 0.8362% | 5,157 |
| Net interest margin | 3.5059% | 5,137 |
| Noninterest income to average assets | 0.3775% | 4,869 |
| Noninterest expense to average assets | 2.3005% | 6,130 |
| Loan and lease loss provision to assets | 0.2943% | 3,047 |
| Net operating income to assets | 0.8671% | 2,786 |
| Return on assets (ROA) | 0.8808% | 2,832 |
| Pretax return on assets | 1.1467% | 2,680 |
| Return on Equity (ROE) | 8.7697% | 2,612 |
| Retained earnings to average equity (ytd only) | 3.7180% | 3,850 |
| Net charge-offs to loans | 0.1790% | 4,094 |
| Credit loss provision to net charge-offs | 220.5323% | 1,357 |
| Earnings coverage of net charge-offs (x) | 10.6654% | 1,784 |
| Efficiency ratio | 59.3814% | 5,968 |
| Assets per employee ($millions) | 4.4419% | 2,939 |
| Cash dividends to net income (ytd only)* | 57.6037% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 4,048 |
| Loan loss allowance to noncurrent loans | 46.3044% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 3.0167% | 2,227 |
| Noncurrent loans to loans | 3.2773% | 2,178 |
| Net loans and leases to total assets | 76.2742% | 1,043 |
| Net loans and leases to deposits | 85.2933% | 1,895 |
| Net loans and leases to core deposits | 87.6245% | 2,685 |
| Total domestic deposits to total assets | 89.4258% | 1,281 |
| Equity capital to assets | 10.4340% | 3,601 |
| Core capital (leverage) ratio | 9.9028% | 3,385 |
| Tier 1 risk-based capital ratio | 14.1579% | 4,056 |
| Total risk-based capital ratio | 15.4136% | 4,018 |
| Memoranda: | ||
| Average total assets | $394,182,000 | 1,666 |
| Average earning assets | $376,226,000 | 1,598 |
| Average equity | $39,591,000 | 1,687 |
| Average total loans | $293,790,000 | 1,477 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 5,774 |
| Cost of funding earning assets | 0.8386% | 5,342 |
| Net interest margin | 3.5351% | 4,871 |
| Noninterest income to average assets | 0.2261% | 6,110 |
| Noninterest expense to average assets | 2.2450% | 6,316 |
| Loan and lease loss provision to assets | 0.2904% | 2,827 |
| Net operating income to assets | 0.8282% | 2,892 |
| Return on assets (ROA) | 0.8522% | 2,832 |
| Pretax return on assets | 1.1024% | 2,746 |
| Return on Equity (ROE) | 8.6474% | 2,632 |
| Retained earnings to average equity (ytd only) | 3.5487% | 4,059 |
| Net charge-offs to loans | 0.1100% | 3,868 |
| Credit loss provision to net charge-offs | 361.2500% | 906 |
| Earnings coverage of net charge-offs (x) | 16.9375% | 1,243 |
| Efficiency ratio | 59.7938% | 6,010 |
| Assets per employee ($millions) | 4.7710% | 2,469 |
| Cash dividends to net income (ytd only)* | 58.9623% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 4,209 |
| Loan loss allowance to noncurrent loans | 39.9676% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 3.1916% | 2,159 |
| Noncurrent loans to loans | 3.7538% | 1,965 |
| Net loans and leases to total assets | 71.7832% | 1,767 |
| Net loans and leases to deposits | 79.6895% | 2,768 |
| Net loans and leases to core deposits | 82.1258% | 3,437 |
| Total domestic deposits to total assets | 90.0786% | 1,107 |
| Equity capital to assets | 9.7964% | 4,040 |
| Core capital (leverage) ratio | 9.8525% | 3,331 |
| Tier 1 risk-based capital ratio | 14.1557% | 3,968 |
| Total risk-based capital ratio | 15.3758% | 3,958 |
| Memoranda: | ||
| Average total assets | $398,048,500 | 1,663 |
| Average earning assets | $380,639,000 | 1,590 |
| Average equity | $39,225,500 | 1,693 |
| Average total loans | $291,033,500 | 1,512 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 6,716 |
| Cost of funding earning assets | 1.0142% | 5,616 |
| Net interest margin | 3.3233% | 5,898 |
| Noninterest income to average assets | 0.4064% | 4,858 |
| Noninterest expense to average assets | 2.2719% | 6,429 |
| Loan and lease loss provision to assets | 0.4396% | 3,480 |
| Net operating income to assets | 0.7083% | 3,199 |
| Return on assets (ROA) | 0.7083% | 3,329 |
| Pretax return on assets | 0.8619% | 3,434 |
| Return on Equity (ROE) | 6.9125% | 3,161 |
| Retained earnings to average equity (ytd only) | 0.9751% | 5,058 |
| Net charge-offs to loans | 0.1362% | 5,555 |
| Credit loss provision to net charge-offs | 459.1281% | 499 |
| Earnings coverage of net charge-offs (x) | 13.5940% | 1,399 |
| Efficiency ratio | 61.0016% | 5,894 |
| Assets per employee ($millions) | 4.5948% | 2,715 |
| Cash dividends to net income (ytd only)* | 85.8932% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 4,158 |
| Loan loss allowance to noncurrent loans | 39.5896% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 3.2149% | 2,202 |
| Noncurrent loans to loans | 3.7246% | 1,990 |
| Net loans and leases to total assets | 72.2810% | 2,037 |
| Net loans and leases to deposits | 80.3880% | 3,099 |
| Net loans and leases to core deposits | 82.7221% | 3,789 |
| Total domestic deposits to total assets | 89.9152% | 1,152 |
| Equity capital to assets | 9.9148% | 3,863 |
| Core capital (leverage) ratio | 9.3405% | 3,941 |
| Tier 1 risk-based capital ratio | 14.1826% | 3,745 |
| Total risk-based capital ratio | 15.4398% | 3,701 |
| Memoranda: | ||
| Average total assets | $383,336,200 | 1,716 |
| Average earning assets | $365,296,600 | 1,650 |
| Average equity | $39,276,400 | 1,685 |
| Average total loans | $269,440,400 | 1,653 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 6,874 |
| Cost of funding earning assets | 1.0499% | 5,699 |
| Net interest margin | 3.3113% | 5,977 |
| Noninterest income to average assets | 0.3963% | 4,985 |
| Noninterest expense to average assets | 2.2285% | 6,530 |
| Loan and lease loss provision to assets | 0.4648% | 3,147 |
| Net operating income to assets | 0.7084% | 3,372 |
| Return on assets (ROA) | 0.7084% | 3,524 |
| Pretax return on assets | 0.8530% | 3,720 |
| Return on Equity (ROE) | 6.8568% | 3,416 |
| Retained earnings to average equity (ytd only) | 1.7861% | 5,077 |
| Net charge-offs to loans | 0.1488% | 5,119 |
| Credit loss provision to net charge-offs | 449.3243% | 670 |
| Earnings coverage of net charge-offs (x) | 12.7398% | 1,655 |
| Efficiency ratio | 60.2286% | 5,914 |
| Assets per employee ($millions) | 4.7937% | 2,457 |
| Cash dividends to net income (ytd only)* | 73.9518% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 4,125 |
| Loan loss allowance to noncurrent loans | 40.3193% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 2.9227% | 2,486 |
| Noncurrent loans to loans | 3.6352% | 2,149 |
| Net loans and leases to total assets | 65.7800% | 3,738 |
| Net loans and leases to deposits | 73.3512% | 4,627 |
| Net loans and leases to core deposits | 75.2261% | 5,153 |
| Total domestic deposits to total assets | 89.6782% | 1,028 |
| Equity capital to assets | 9.8716% | 4,329 |
| Core capital (leverage) ratio | 9.5073% | 3,892 |
| Tier 1 risk-based capital ratio | 14.4487% | 3,537 |
| Total risk-based capital ratio | 15.7022% | 3,508 |
| Memoranda: | ||
| Average total assets | $381,530,500 | 1,748 |
| Average earning assets | $362,953,750 | 1,682 |
| Average equity | $39,414,750 | 1,690 |
| Average total loans | $265,169,250 | 1,691 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 6,844 |
| Cost of funding earning assets | 1.0448% | 5,941 |
| Net interest margin | 3.3805% | 5,714 |
| Noninterest income to average assets | 0.4011% | 4,905 |
| Noninterest expense to average assets | 2.2361% | 6,551 |
| Loan and lease loss provision to assets | 0.2398% | 4,518 |
| Net operating income to assets | 0.8935% | 2,573 |
| Return on assets (ROA) | 0.8935% | 2,694 |
| Pretax return on assets | 1.1392% | 2,632 |
| Return on Equity (ROE) | 8.5133% | 2,661 |
| Retained earnings to average equity (ytd only) | 3.4298% | 3,927 |
| Net charge-offs to loans | 0.1849% | 4,505 |
| Credit loss provision to net charge-offs | 184.0164% | 2,143 |
| Earnings coverage of net charge-offs (x) | 10.5820% | 1,872 |
| Efficiency ratio | 59.2554% | 6,178 |
| Assets per employee ($millions) | 4.5749% | 2,759 |
| Cash dividends to net income (ytd only)* | 59.7131% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,665 |
| Loan loss allowance to noncurrent loans | 72.7103% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.5912% | 4,065 |
| Noncurrent loans to loans | 1.5883% | 4,326 |
| Net loans and leases to total assets | 69.3109% | 3,061 |
| Net loans and leases to deposits | 77.5638% | 4,070 |
| Net loans and leases to core deposits | 79.2242% | 4,780 |
| Total domestic deposits to total assets | 89.3599% | 1,250 |
| Equity capital to assets | 10.2488% | 3,707 |
| Core capital (leverage) ratio | 10.0901% | 3,078 |
| Tier 1 risk-based capital ratio | 14.7709% | 3,274 |
| Total risk-based capital ratio | 16.0062% | 3,265 |
| Memoranda: | ||
| Average total assets | $374,483,670 | 1,791 |
| Average earning assets | $356,038,330 | 1,718 |
| Average equity | $39,303,000 | 1,689 |
| Average total loans | $263,953,330 | 1,723 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 6,967 |
| Cost of funding earning assets | 1.0530% | 6,126 |
| Net interest margin | 3.3659% | 5,727 |
| Noninterest income to average assets | 0.3637% | 5,231 |
| Noninterest expense to average assets | 2.2501% | 6,545 |
| Loan and lease loss provision to assets | 0.2262% | 4,230 |
| Net operating income to assets | 0.8604% | 2,703 |
| Return on assets (ROA) | 0.8604% | 2,795 |
| Pretax return on assets | 1.0910% | 2,767 |
| Return on Equity (ROE) | 8.0994% | 2,837 |
| Retained earnings to average equity (ytd only) | 3.0156% | 4,328 |
| Net charge-offs to loans | 0.2113% | 3,655 |
| Credit loss provision to net charge-offs | 151.4493% | 2,358 |
| Earnings coverage of net charge-offs (x) | 8.8188% | 1,920 |
| Efficiency ratio | 60.4066% | 6,096 |
| Assets per employee ($millions) | 4.5043% | 2,949 |
| Cash dividends to net income (ytd only)* | 62.7673% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 5,886 |
| Loan loss allowance to noncurrent loans | 53.3501% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.8170% | 3,758 |
| Noncurrent loans to loans | 2.1107% | 3,640 |
| Net loans and leases to total assets | 69.9412% | 2,953 |
| Net loans and leases to deposits | 82.0547% | 3,273 |
| Net loans and leases to core deposits | 84.1501% | 4,179 |
| Total domestic deposits to total assets | 85.2373% | 3,545 |
| Equity capital to assets | 10.6000% | 3,145 |
| Core capital (leverage) ratio | 10.0504% | 3,099 |
| Tier 1 risk-based capital ratio | 15.1964% | 3,009 |
| Total risk-based capital ratio | 16.4091% | 2,995 |
| Memoranda: | ||
| Average total assets | $369,580,500 | 1,856 |
| Average earning assets | $351,764,000 | 1,772 |
| Average equity | $39,262,000 | 1,712 |
| Average total loans | $261,196,500 | 1,794 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 7,455 |
| Cost of funding earning assets | 1.0225% | 7,164 |
| Net interest margin | 3.4043% | 5,344 |
| Noninterest income to average assets | 0.4300% | 4,958 |
| Noninterest expense to average assets | 2.3546% | 6,592 |
| Loan and lease loss provision to assets | 0.2825% | 5,160 |
| Net operating income to assets | 0.9032% | 2,167 |
| Return on assets (ROA) | 0.9032% | 2,234 |
| Pretax return on assets | 1.0607% | 2,379 |
| Return on Equity (ROE) | 8.6546% | 2,145 |
| Retained earnings to average equity (ytd only) | 8.3895% | 610 |
| Net charge-offs to loans | 0.2785% | 4,889 |
| Credit loss provision to net charge-offs | 151.9345% | 3,027 |
| Earnings coverage of net charge-offs (x) | 7.2232% | 2,193 |
| Efficiency ratio | 61.0342% | 6,325 |
| Assets per employee ($millions) | 4.4012% | 3,107 |
| Cash dividends to net income (ytd only)* | 3.0637% | 3,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,765 |
| Loan loss allowance to noncurrent loans | 84.5550% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.2455% | 4,604 |
| Noncurrent loans to loans | 1.3329% | 4,696 |
| Net loans and leases to total assets | 69.8126% | 3,300 |
| Net loans and leases to deposits | 81.9822% | 3,617 |
| Net loans and leases to core deposits | 88.4828% | 5,274 |
| Total domestic deposits to total assets | 85.1558% | 3,483 |
| Equity capital to assets | 10.6474% | 3,026 |
| Core capital (leverage) ratio | 9.9635% | 3,131 |
| Tier 1 risk-based capital ratio | 14.8780% | 3,012 |
| Total risk-based capital ratio | 16.0618% | 2,994 |
| Memoranda: | ||
| Average total assets | $361,374,200 | 1,880 |
| Average earning assets | $346,886,000 | 1,800 |
| Average equity | $37,714,000 | 1,775 |
| Average total loans | $241,266,000 | 1,943 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 7,572 |
| Cost of funding earning assets | 1.0048% | 7,377 |
| Net interest margin | 3.4352% | 5,130 |
| Noninterest income to average assets | 0.4055% | 5,238 |
| Noninterest expense to average assets | 2.2989% | 6,713 |
| Loan and lease loss provision to assets | 0.2627% | 4,859 |
| Net operating income to assets | 0.9116% | 2,385 |
| Return on assets (ROA) | 0.9116% | 2,452 |
| Pretax return on assets | 1.1461% | 2,425 |
| Return on Equity (ROE) | 8.7797% | 2,348 |
| Retained earnings to average equity (ytd only) | 8.7797% | 899 |
| Net charge-offs to loans | 0.3402% | 3,938 |
| Credit loss provision to net charge-offs | 117.3554% | 4,336 |
| Earnings coverage of net charge-offs (x) | 6.2942% | 2,629 |
| Efficiency ratio | 59.3594% | 6,507 |
| Assets per employee ($millions) | 4.3131% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 5,819 |
| Loan loss allowance to noncurrent loans | 82.2167% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 4,594 |
| Noncurrent loans to loans | 1.3188% | 4,734 |
| Net loans and leases to total assets | 67.8637% | 3,989 |
| Net loans and leases to deposits | 80.5352% | 4,293 |
| Net loans and leases to core deposits | 88.3632% | 5,608 |
| Total domestic deposits to total assets | 84.2660% | 3,595 |
| Equity capital to assets | 11.1082% | 2,914 |
| Core capital (leverage) ratio | 10.3524% | 2,921 |
| Tier 1 risk-based capital ratio | 15.5817% | 2,777 |
| Total risk-based capital ratio | 16.6970% | 2,790 |
| Memoranda: | ||
| Average total assets | $360,392,500 | 1,901 |
| Average earning assets | $346,445,750 | 1,817 |
| Average equity | $37,418,750 | 1,815 |
| Average total loans | $237,099,250 | 2,004 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 7,712 |
| Cost of funding earning assets | 1.0139% | 7,525 |
| Net interest margin | 3.3818% | 5,244 |
| Noninterest income to average assets | 0.3970% | 5,319 |
| Noninterest expense to average assets | 2.2680% | 6,854 |
| Loan and lease loss provision to assets | 0.2436% | 4,632 |
| Net operating income to assets | 0.9125% | 2,407 |
| Return on assets (ROA) | 0.9125% | 2,503 |
| Pretax return on assets | 1.1434% | 2,489 |
| Return on Equity (ROE) | 8.9965% | 2,361 |
| Retained earnings to average equity (ytd only) | 8.9965% | 938 |
| Net charge-offs to loans | 0.4192% | 3,124 |
| Credit loss provision to net charge-offs | 89.6130% | 4,938 |
| Earnings coverage of net charge-offs (x) | 5.1018% | 2,915 |
| Efficiency ratio | 59.3849% | 6,637 |
| Assets per employee ($millions) | 4.3075% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 6,072 |
| Loan loss allowance to noncurrent loans | 76.9018% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.2561% | 4,425 |
| Noncurrent loans to loans | 1.3280% | 4,558 |
| Net loans and leases to total assets | 66.3599% | 4,495 |
| Net loans and leases to deposits | 78.3016% | 4,818 |
| Net loans and leases to core deposits | 85.4872% | 5,967 |
| Total domestic deposits to total assets | 84.7490% | 3,381 |
| Equity capital to assets | 10.1576% | 3,761 |
| Core capital (leverage) ratio | 9.5325% | 3,838 |
| Tier 1 risk-based capital ratio | 14.6731% | 3,160 |
| Total risk-based capital ratio | 15.7208% | 3,210 |
| Memoranda: | ||
| Average total assets | $361,194,000 | 1,920 |
| Average earning assets | $347,978,330 | 1,830 |
| Average equity | $36,636,330 | 1,863 |
| Average total loans | $234,263,330 | 2,051 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 7,822 |
| Cost of funding earning assets | 1.0112% | 7,655 |
| Net interest margin | 3.3482% | 5,329 |
| Noninterest income to average assets | 0.3713% | 5,451 |
| Noninterest expense to average assets | 2.1688% | 6,954 |
| Loan and lease loss provision to assets | 0.3234% | 3,384 |
| Net operating income to assets | 0.9556% | 2,493 |
| Return on assets (ROA) | 0.9556% | 2,622 |
| Pretax return on assets | 1.1062% | 2,966 |
| Return on Equity (ROE) | 9.4282% | 2,564 |
| Retained earnings to average equity (ytd only) | 9.4282% | 1,359 |
| Net charge-offs to loans | 0.5231% | 2,151 |
| Credit loss provision to net charge-offs | 96.9900% | 3,861 |
| Earnings coverage of net charge-offs (x) | 4.2876% | 2,918 |
| Efficiency ratio | 57.5457% | 6,756 |
| Assets per employee ($millions) | 4.3577% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 5,427 |
| Loan loss allowance to noncurrent loans | 66.2767% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 3,923 |
| Noncurrent loans to loans | 1.6683% | 3,766 |
| Net loans and leases to total assets | 62.2818% | 5,274 |
| Net loans and leases to deposits | 72.6344% | 5,664 |
| Net loans and leases to core deposits | 77.5409% | 6,567 |
| Total domestic deposits to total assets | 85.7470% | 2,851 |
| Equity capital to assets | 9.9566% | 4,044 |
| Core capital (leverage) ratio | 8.8441% | 4,918 |
| Tier 1 risk-based capital ratio | 14.8966% | 3,117 |
| Total risk-based capital ratio | 16.0465% | 3,087 |
| Memoranda: | ||
| Average total assets | $358,721,000 | 1,938 |
| Average earning assets | $345,742,500 | 1,853 |
| Average equity | $36,359,000 | 1,881 |
| Average total loans | $228,656,500 | 2,111 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7115% | 6,740 |
| Cost of funding earning assets | 1.7135% | 7,230 |
| Net interest margin | 3.9981% | 3,121 |
| Noninterest income to average assets | 0.4065% | 5,417 |
| Noninterest expense to average assets | 2.4392% | 6,262 |
| Loan and lease loss provision to assets | 0.3992% | 3,296 |
| Net operating income to assets | 1.1752% | 1,857 |
| Return on assets (ROA) | 0.7178% | 3,647 |
| Pretax return on assets | 0.8332% | 3,947 |
| Return on Equity (ROE) | 7.1119% | 3,468 |
| Retained earnings to average equity (ytd only) | -0.4427% | 5,421 |
| Net charge-offs to loans | 0.5670% | 2,116 |
| Credit loss provision to net charge-offs | 114.8577% | 4,700 |
| Earnings coverage of net charge-offs (x) | 5.0759% | 3,759 |
| Efficiency ratio | 55.9728% | 7,017 |
| Assets per employee ($millions) | 4.3382% | 2,900 |
| Cash dividends to net income (ytd only)* | 106.2245% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 5,079 |
| Loan loss allowance to noncurrent loans | 47.2304% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5988% | 3,048 |
| Noncurrent loans to loans | 2.3882% | 2,302 |
| Net loans and leases to total assets | 63.8100% | 5,309 |
| Net loans and leases to deposits | 71.7225% | 6,090 |
| Net loans and leases to core deposits | 76.9836% | 6,799 |
| Total domestic deposits to total assets | 88.9679% | 1,054 |
| Equity capital to assets | 10.3223% | 3,690 |
| Core capital (leverage) ratio | 9.7880% | 3,664 |
| Tier 1 risk-based capital ratio | 15.0870% | 2,997 |
| Total risk-based capital ratio | 16.2286% | 2,973 |
| Memoranda: | ||
| Average total assets | $273,042,000 | 2,359 |
| Average earning assets | $259,300,000 | 2,295 |
| Average equity | $27,559,600 | 2,432 |
| Average total loans | $167,374,600 | 2,660 |