| 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 | 6.3719% | 838 |
| Cost of funding earning assets | 3.3342% | 262 |
| Net interest margin | 3.0377% | 3,080 |
| Noninterest income to average assets | 0.7200% | 1,116 |
| Noninterest expense to average assets | 2.1519% | 3,252 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 0.9551% | 2,196 |
| Return on assets (ROA) | 0.9539% | 2,201 |
| Pretax return on assets | 1.3174% | 1,710 |
| Return on Equity (ROE) | 11.0700% | 1,870 |
| Retained earnings to average equity (ytd only) | 5.7050% | 1,937 |
| Net charge-offs to loans | 0.0059% | 2,714 |
| Credit loss provision to net charge-offs | 2,648.1818% | 181 |
| Earnings coverage of net charge-offs (x) | 299.0364% | 376 |
| Efficiency ratio | 59.9186% | 3,175 |
| Assets per employee ($millions) | 10.2417% | 717 |
| Cash dividends to net income (ytd only)* | 48.4426% | 1,718 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2642% | 1,841 |
| Loan loss allowance to noncurrent loans | 96.8821% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 1.1341% | 576 |
| Noncurrent loans to loans | 1.3049% | 767 |
| Net loans and leases to total assets | 81.8600% | 452 |
| Net loans and leases to deposits | 95.4597% | 745 |
| Net loans and leases to core deposits | 172.9687% | 89 |
| Total domestic deposits to total assets | 85.7500% | 2,301 |
| Equity capital to assets | 8.5923% | 3,122 |
| Core capital (leverage) ratio | 9.2020% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5024% | 2,385 |
| Memoranda: |
| Average total assets | $2,285,191,600 | 523 |
| Average earning assets | $2,159,809,200 | 508 |
| Average equity | $197,004,200 | 582 |
| Average total loans | $1,873,178,600 | 456 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3978% | 786 |
| Cost of funding earning assets | 3.3614% | 265 |
| Net interest margin | 3.0364% | 3,027 |
| Noninterest income to average assets | 0.7000% | 1,135 |
| Noninterest expense to average assets | 2.1377% | 3,243 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.9752% | 2,123 |
| Return on assets (ROA) | 0.9787% | 2,122 |
| Pretax return on assets | 1.3634% | 1,607 |
| Return on Equity (ROE) | 11.3400% | 1,800 |
| Retained earnings to average equity (ytd only) | 5.3527% | 2,321 |
| Net charge-offs to loans | 0.0063% | 2,434 |
| Credit loss provision to net charge-offs | 1,211.4943% | 351 |
| Earnings coverage of net charge-offs (x) | 279.2759% | 406 |
| Efficiency ratio | 59.9145% | 3,169 |
| Assets per employee ($millions) | 10.3809% | 686 |
| Cash dividends to net income (ytd only)* | 52.8089% | 1,279 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1840% | 2,298 |
| Loan loss allowance to noncurrent loans | 141.2575% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 972 |
| Noncurrent loans to loans | 0.8382% | 1,192 |
| Net loans and leases to total assets | 80.2600% | 596 |
| Net loans and leases to deposits | 92.7400% | 978 |
| Net loans and leases to core deposits | 161.7616% | 120 |
| Total domestic deposits to total assets | 86.5400% | 1,747 |
| Equity capital to assets | 8.4473% | 3,433 |
| Core capital (leverage) ratio | 9.2203% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6894% | 2,348 |
| Memoranda: |
| Average total assets | $2,265,034,000 | 520 |
| Average earning assets | $2,137,548,500 | 508 |
| Average equity | $195,435,750 | 578 |
| Average total loans | $1,851,115,000 | 454 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4182% | 694 |
| Cost of funding earning assets | 3.3486% | 239 |
| Net interest margin | 3.0696% | 2,913 |
| Noninterest income to average assets | 0.7000% | 1,095 |
| Noninterest expense to average assets | 2.1452% | 3,219 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.9934% | 2,017 |
| Return on assets (ROA) | 0.9898% | 2,029 |
| Pretax return on assets | 1.3779% | 1,528 |
| Return on Equity (ROE) | 11.3900% | 1,776 |
| Retained earnings to average equity (ytd only) | 6.0584% | 1,986 |
| Net charge-offs to loans | 0.0058% | 2,218 |
| Credit loss provision to net charge-offs | 1,547.1698% | 290 |
| Earnings coverage of net charge-offs (x) | 304.4717% | 381 |
| Efficiency ratio | 59.6504% | 3,236 |
| Assets per employee ($millions) | 10.2253% | 684 |
| Cash dividends to net income (ytd only)* | 46.7884% | 1,570 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2128% | 2,184 |
| Loan loss allowance to noncurrent loans | 240.1857% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 1,419 |
| Noncurrent loans to loans | 0.5050% | 1,745 |
| Net loans and leases to total assets | 80.9400% | 578 |
| Net loans and leases to deposits | 95.5100% | 831 |
| Net loans and leases to core deposits | 167.7543% | 109 |
| Total domestic deposits to total assets | 84.7400% | 2,389 |
| Equity capital to assets | 8.5401% | 3,071 |
| Core capital (leverage) ratio | 9.2666% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2409% | 2,154 |
| Memoranda: |
| Average total assets | $2,224,178,333 | 528 |
| Average earning assets | $2,096,221,000 | 514 |
| Average equity | $193,351,667 | 586 |
| Average total loans | $1,821,764,333 | 461 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3813% | 667 |
| Cost of funding earning assets | 3.2832% | 248 |
| Net interest margin | 3.0981% | 2,794 |
| Noninterest income to average assets | 0.6600% | 1,157 |
| Noninterest expense to average assets | 2.1798% | 3,119 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.9873% | 1,965 |
| Return on assets (ROA) | 0.9820% | 1,993 |
| Pretax return on assets | 1.3656% | 1,509 |
| Return on Equity (ROE) | 11.1900% | 1,800 |
| Retained earnings to average equity (ytd only) | 7.4476% | 1,697 |
| Net charge-offs to loans | 0.0127% | 1,631 |
| Credit loss provision to net charge-offs | 338.5965% | 620 |
| Earnings coverage of net charge-offs (x) | 134.4211% | 562 |
| Efficiency ratio | 60.9122% | 3,164 |
| Assets per employee ($millions) | 9.8000% | 778 |
| Cash dividends to net income (ytd only)* | 33.4635% | 1,718 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2152% | 2,207 |
| Loan loss allowance to noncurrent loans | 243.1758% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4626% | 1,363 |
| Noncurrent loans to loans | 0.4997% | 1,672 |
| Net loans and leases to total assets | 80.5100% | 560 |
| Net loans and leases to deposits | 94.8645% | 798 |
| Net loans and leases to core deposits | 164.3783% | 145 |
| Total domestic deposits to total assets | 84.8700% | 2,455 |
| Equity capital to assets | 8.6641% | 2,914 |
| Core capital (leverage) ratio | 9.5996% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5269% | 2,068 |
| Memoranda: |
| Average total assets | $2,191,033,500 | 542 |
| Average earning assets | $2,063,080,000 | 526 |
| Average equity | $192,223,000 | 590 |
| Average total loans | $1,794,351,000 | 472 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0204% | 619 |
| Cost of funding earning assets | 2.6215% | 289 |
| Net interest margin | 3.3989% | 2,405 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.1846% | 3,171 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.1478% | 1,789 |
| Return on assets (ROA) | 1.1496% | 1,754 |
| Pretax return on assets | 1.6084% | 1,215 |
| Return on Equity (ROE) | 13.5300% | 1,594 |
| Retained earnings to average equity (ytd only) | 7.0507% | 1,884 |
| Net charge-offs to loans | 0.0436% | 1,455 |
| Credit loss provision to net charge-offs | 209.5364% | 1,190 |
| Earnings coverage of net charge-offs (x) | 47.7391% | 1,324 |
| Efficiency ratio | 56.4803% | 3,445 |
| Assets per employee ($millions) | 9.6742% | 780 |
| Cash dividends to net income (ytd only)* | 47.8936% | 1,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2442% | 2,051 |
| Loan loss allowance to noncurrent loans | 222.7365% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 1,212 |
| Noncurrent loans to loans | 0.5586% | 1,402 |
| Net loans and leases to total assets | 81.2800% | 505 |
| Net loans and leases to deposits | 96.4867% | 745 |
| Net loans and leases to core deposits | 158.7251% | 161 |
| Total domestic deposits to total assets | 84.2400% | 2,550 |
| Equity capital to assets | 8.8866% | 2,756 |
| Core capital (leverage) ratio | 9.4918% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6644% | 1,999 |
| Memoranda: |
| Average total assets | $2,141,253,400 | 534 |
| Average earning assets | $2,020,889,200 | 515 |
| Average equity | $181,911,800 | 584 |
| Average total loans | $1,733,201,400 | 457 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9277% | 580 |
| Cost of funding earning assets | 2.4682% | 292 |
| Net interest margin | 3.4595% | 2,315 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.1819% | 3,127 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2053% | 1,783 |
| Return on assets (ROA) | 1.2001% | 1,787 |
| Pretax return on assets | 1.6776% | 1,205 |
| Return on Equity (ROE) | 14.2900% | 1,583 |
| Retained earnings to average equity (ytd only) | 7.9311% | 1,992 |
| Net charge-offs to loans | 0.0459% | 1,228 |
| Credit loss provision to net charge-offs | 175.9259% | 1,204 |
| Earnings coverage of net charge-offs (x) | 47.2205% | 1,346 |
| Efficiency ratio | 55.5230% | 3,442 |
| Assets per employee ($millions) | 9.2747% | 842 |
| Cash dividends to net income (ytd only)* | 44.5039% | 1,473 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2286% | 2,226 |
| Loan loss allowance to noncurrent loans | 229.4798% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 1,326 |
| Noncurrent loans to loans | 0.5354% | 1,486 |
| Net loans and leases to total assets | 81.1200% | 520 |
| Net loans and leases to deposits | 95.1312% | 810 |
| Net loans and leases to core deposits | 152.4778% | 135 |
| Total domestic deposits to total assets | 85.2700% | 2,424 |
| Equity capital to assets | 8.5145% | 2,722 |
| Core capital (leverage) ratio | 9.5459% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2028% | 2,202 |
| Memoranda: |
| Average total assets | $2,139,650,000 | 538 |
| Average earning assets | $2,021,681,000 | 518 |
| Average equity | $179,676,000 | 586 |
| Average total loans | $1,724,591,750 | 459 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8018% | 554 |
| Cost of funding earning assets | 2.3280% | 260 |
| Net interest margin | 3.4738% | 2,332 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.2182% | 3,022 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.3063% | 1,559 |
| Return on assets (ROA) | 1.3063% | 1,542 |
| Pretax return on assets | 1.8388% | 949 |
| Return on Equity (ROE) | 15.6300% | 1,333 |
| Retained earnings to average equity (ytd only) | 8.0700% | 1,937 |
| Net charge-offs to loans | 0.0124% | 1,731 |
| Credit loss provision to net charge-offs | -243.3962% | 4,571 |
| Earnings coverage of net charge-offs (x) | 182.3113% | 660 |
| Efficiency ratio | 55.1051% | 3,523 |
| Assets per employee ($millions) | 9.6049% | 752 |
| Cash dividends to net income (ytd only)* | 48.3642% | 1,355 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2121% | 2,380 |
| Loan loss allowance to noncurrent loans | 236.0645% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 1,301 |
| Noncurrent loans to loans | 0.5135% | 1,432 |
| Net loans and leases to total assets | 78.8000% | 757 |
| Net loans and leases to deposits | 91.0768% | 1,104 |
| Net loans and leases to core deposits | 150.9294% | 140 |
| Total domestic deposits to total assets | 86.5200% | 2,085 |
| Equity capital to assets | 8.4458% | 2,905 |
| Core capital (leverage) ratio | 9.4083% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9755% | 2,308 |
| Memoranda: |
| Average total assets | $2,138,713,667 | 525 |
| Average earning assets | $2,023,376,333 | 504 |
| Average equity | $178,761,667 | 580 |
| Average total loans | $1,712,947,333 | 444 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6529% | 481 |
| Cost of funding earning assets | 2.1155% | 226 |
| Net interest margin | 3.5373% | 2,267 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.1895% | 3,128 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 1.4367% | 1,314 |
| Return on assets (ROA) | 1.4447% | 1,272 |
| Pretax return on assets | 2.0364% | 725 |
| Return on Equity (ROE) | 17.3800% | 1,117 |
| Retained earnings to average equity (ytd only) | 6.2475% | 2,696 |
| Net charge-offs to loans | 0.0220% | 1,243 |
| Credit loss provision to net charge-offs | -274.4681% | 4,616 |
| Earnings coverage of net charge-offs (x) | 111.3085% | 737 |
| Efficiency ratio | 52.7288% | 3,723 |
| Assets per employee ($millions) | 9.7755% | 744 |
| Cash dividends to net income (ytd only)* | 64.0436% | 885 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2243% | 2,425 |
| Loan loss allowance to noncurrent loans | 477.6044% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 2,131 |
| Noncurrent loans to loans | 0.2564% | 2,228 |
| Net loans and leases to total assets | 77.3800% | 835 |
| Net loans and leases to deposits | 87.9779% | 1,210 |
| Net loans and leases to core deposits | 155.4193% | 110 |
| Total domestic deposits to total assets | 87.9500% | 1,943 |
| Equity capital to assets | 8.2730% | 3,060 |
| Core capital (leverage) ratio | 9.2309% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8070% | 2,782 |
| Memoranda: |
| Average total assets | $2,132,187,500 | 536 |
| Average earning assets | $2,023,324,000 | 515 |
| Average equity | $177,286,500 | 594 |
| Average total loans | $1,711,322,500 | 453 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8232% | 413 |
| Cost of funding earning assets | 0.6179% | 835 |
| Net interest margin | 4.2053% | 525 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 2.2778% | 2,810 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.7789% | 462 |
| Return on assets (ROA) | 1.7613% | 455 |
| Pretax return on assets | 2.4670% | 215 |
| Return on Equity (ROE) | 20.3100% | 451 |
| Retained earnings to average equity (ytd only) | 16.3224% | 207 |
| Net charge-offs to loans | 0.0040% | 2,309 |
| Credit loss provision to net charge-offs | 4,723.8095% | 144 |
| Earnings coverage of net charge-offs (x) | 809.6667% | 228 |
| Efficiency ratio | 46.2843% | 4,331 |
| Assets per employee ($millions) | 9.4751% | 788 |
| Cash dividends to net income (ytd only)* | 19.6410% | 2,914 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1170% | 2,806 |
| Loan loss allowance to noncurrent loans | 624.5050% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 2,508 |
| Noncurrent loans to loans | 0.1789% | 2,591 |
| Net loans and leases to total assets | 81.3500% | 470 |
| Net loans and leases to deposits | 90.2538% | 1,038 |
| Net loans and leases to core deposits | 143.1949% | 123 |
| Total domestic deposits to total assets | 90.1300% | 1,303 |
| Equity capital to assets | 8.3589% | 2,807 |
| Core capital (leverage) ratio | 9.2943% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7637% | 2,462 |
| Memoranda: |
| Average total assets | $1,929,566,200 | 575 |
| Average earning assets | $1,828,910,400 | 550 |
| Average equity | $167,316,400 | 618 |
| Average total loans | $1,569,472,000 | 458 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5691% | 449 |
| Cost of funding earning assets | 0.3437% | 1,757 |
| Net interest margin | 4.2254% | 395 |
| Noninterest income to average assets | 1.0500% | 616 |
| Noninterest expense to average assets | 2.3147% | 2,590 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.8451% | 388 |
| Return on assets (ROA) | 1.8207% | 404 |
| Pretax return on assets | 2.5646% | 195 |
| Return on Equity (ROE) | 20.7900% | 376 |
| Retained earnings to average equity (ytd only) | 16.8788% | 218 |
| Net charge-offs to loans | -0.0037% | 3,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.8230% | 4,391 |
| Assets per employee ($millions) | 9.3093% | 804 |
| Cash dividends to net income (ytd only)* | 18.8111% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1101% | 2,967 |
| Loan loss allowance to noncurrent loans | 816.0373% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 2,855 |
| Noncurrent loans to loans | 0.1360% | 2,956 |
| Net loans and leases to total assets | 80.6300% | 479 |
| Net loans and leases to deposits | 89.9804% | 891 |
| Net loans and leases to core deposits | 122.6272% | 215 |
| Total domestic deposits to total assets | 89.6100% | 1,824 |
| Equity capital to assets | 8.2803% | 2,699 |
| Core capital (leverage) ratio | 9.4145% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9721% | 2,486 |
| Memoranda: |
| Average total assets | $1,888,457,500 | 589 |
| Average earning assets | $1,789,501,750 | 562 |
| Average equity | $165,386,750 | 628 |
| Average total loans | $1,531,183,250 | 465 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3533% | 476 |
| Cost of funding earning assets | 0.1969% | 2,956 |
| Net interest margin | 4.1564% | 361 |
| Noninterest income to average assets | 1.0716% | 582 |
| Noninterest expense to average assets | 2.2507% | 2,702 |
| Loan and lease loss provision to assets | 0.1452% | 658 |
| Net operating income to assets | 1.8653% | 289 |
| Return on assets (ROA) | 1.8402% | 302 |
| Pretax return on assets | 2.5940% | 149 |
| Return on Equity (ROE) | 20.5993% | 271 |
| Retained earnings to average equity (ytd only) | 16.9178% | 154 |
| Net charge-offs to loans | -0.0050% | 3,341 |
| Credit loss provision to net charge-offs | -3,613.5135% | 3,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8191% | 4,500 |
| Assets per employee ($millions) | 9.4346% | 769 |
| Cash dividends to net income (ytd only)* | 17.8717% | 2,549 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1406% | 2,981 |
| Loan loss allowance to noncurrent loans | 813.1373% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 2,918 |
| Noncurrent loans to loans | 0.1403% | 3,008 |
| Net loans and leases to total assets | 79.3278% | 450 |
| Net loans and leases to deposits | 87.9993% | 829 |
| Net loans and leases to core deposits | 112.5321% | 308 |
| Total domestic deposits to total assets | 90.1460% | 1,650 |
| Equity capital to assets | 8.6473% | 2,655 |
| Core capital (leverage) ratio | 9.3621% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3566% | 2,356 |
| Memoranda: |
| Average total assets | $1,841,465,667 | 593 |
| Average earning assets | $1,750,069,000 | 573 |
| Average equity | $164,501,000 | 646 |
| Average total loans | $1,490,024,333 | 472 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1975% | 518 |
| Cost of funding earning assets | 0.1530% | 3,466 |
| Net interest margin | 4.0445% | 383 |
| Noninterest income to average assets | 0.9780% | 710 |
| Noninterest expense to average assets | 2.1086% | 3,115 |
| Loan and lease loss provision to assets | 0.0760% | 1,085 |
| Net operating income to assets | 1.8781% | 286 |
| Return on assets (ROA) | 1.8479% | 299 |
| Pretax return on assets | 2.6077% | 155 |
| Return on Equity (ROE) | 20.3350% | 220 |
| Retained earnings to average equity (ytd only) | 16.6225% | 199 |
| Net charge-offs to loans | -0.0008% | 3,003 |
| Credit loss provision to net charge-offs | -11,366.6667% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6505% | 4,566 |
| Assets per employee ($millions) | 9.3656% | 805 |
| Cash dividends to net income (ytd only)* | 18.2564% | 2,019 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1007% | 3,322 |
| Loan loss allowance to noncurrent loans | 594.1554% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 2,741 |
| Noncurrent loans to loans | 0.1853% | 2,892 |
| Net loans and leases to total assets | 80.3742% | 227 |
| Net loans and leases to deposits | 89.4745% | 537 |
| Net loans and leases to core deposits | 107.0676% | 327 |
| Total domestic deposits to total assets | 89.8292% | 1,665 |
| Equity capital to assets | 8.7766% | 2,906 |
| Core capital (leverage) ratio | 9.6629% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1206% | 2,568 |
| Memoranda: |
| Average total assets | $1,795,153,500 | 603 |
| Average earning assets | $1,709,962,500 | 585 |
| Average equity | $163,128,000 | 666 |
| Average total loans | $1,459,050,000 | 478 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3105% | 836 |
| Cost of funding earning assets | 0.2104% | 3,361 |
| Net interest margin | 4.1001% | 597 |
| Noninterest income to average assets | 1.0297% | 940 |
| Noninterest expense to average assets | 2.2519% | 2,941 |
| Loan and lease loss provision to assets | 0.0333% | 2,386 |
| Net operating income to assets | 1.8775% | 429 |
| Return on assets (ROA) | 1.8721% | 463 |
| Pretax return on assets | 2.6346% | 216 |
| Return on Equity (ROE) | 19.4890% | 341 |
| Retained earnings to average equity (ytd only) | 16.0832% | 169 |
| Net charge-offs to loans | 0.0149% | 2,018 |
| Credit loss provision to net charge-offs | 276.1905% | 1,117 |
| Earnings coverage of net charge-offs (x) | 221.6243% | 505 |
| Efficiency ratio | 45.7078% | 4,514 |
| Assets per employee ($millions) | 8.9458% | 935 |
| Cash dividends to net income (ytd only)* | 17.4751% | 3,107 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1634% | 3,066 |
| Loan loss allowance to noncurrent loans | 509.9313% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 2,639 |
| Noncurrent loans to loans | 0.2282% | 2,815 |
| Net loans and leases to total assets | 80.3406% | 253 |
| Net loans and leases to deposits | 90.2780% | 558 |
| Net loans and leases to core deposits | 107.2472% | 342 |
| Total domestic deposits to total assets | 88.9924% | 1,521 |
| Equity capital to assets | 9.4223% | 3,208 |
| Core capital (leverage) ratio | 9.4362% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4670% | 2,464 |
| Memoranda: |
| Average total assets | $1,565,947,600 | 661 |
| Average earning assets | $1,488,409,600 | 644 |
| Average equity | $150,423,600 | 709 |
| Average total loans | $1,270,968,000 | 534 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2632% | 1,016 |
| Cost of funding earning assets | 0.2214% | 3,409 |
| Net interest margin | 4.0418% | 726 |
| Noninterest income to average assets | 0.7691% | 1,620 |
| Noninterest expense to average assets | 2.2565% | 2,874 |
| Loan and lease loss provision to assets | -0.1203% | 4,645 |
| Net operating income to assets | 1.7547% | 736 |
| Return on assets (ROA) | 1.7497% | 777 |
| Pretax return on assets | 2.4652% | 357 |
| Return on Equity (ROE) | 18.1167% | 616 |
| Retained earnings to average equity (ytd only) | 14.8504% | 417 |
| Net charge-offs to loans | 0.0022% | 2,305 |
| Credit loss provision to net charge-offs | -6,880.0000% | 4,179 |
| Earnings coverage of net charge-offs (x) | 1,345.4000% | 120 |
| Efficiency ratio | 48.9712% | 4,297 |
| Assets per employee ($millions) | 8.9348% | 912 |
| Cash dividends to net income (ytd only)* | 18.0293% | 2,632 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1007% | 3,433 |
| Loan loss allowance to noncurrent loans | 1,387.7376% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,698 |
| Noncurrent loans to loans | 0.0793% | 3,692 |
| Net loans and leases to total assets | 78.0891% | 402 |
| Net loans and leases to deposits | 87.5127% | 740 |
| Net loans and leases to core deposits | 107.2404% | 389 |
| Total domestic deposits to total assets | 89.2317% | 1,158 |
| Equity capital to assets | 9.2825% | 3,578 |
| Core capital (leverage) ratio | 9.5830% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5953% | 2,510 |
| Memoranda: |
| Average total assets | $1,525,797,500 | 683 |
| Average earning assets | $1,449,150,250 | 666 |
| Average equity | $147,359,250 | 736 |
| Average total loans | $1,237,848,250 | 555 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1323% | 1,285 |
| Cost of funding earning assets | 0.2338% | 3,436 |
| Net interest margin | 3.8984% | 975 |
| Noninterest income to average assets | 0.7114% | 1,761 |
| Noninterest expense to average assets | 2.2341% | 2,968 |
| Loan and lease loss provision to assets | -0.0667% | 4,553 |
| Net operating income to assets | 1.5873% | 1,074 |
| Return on assets (ROA) | 1.5810% | 1,148 |
| Pretax return on assets | 2.2446% | 533 |
| Return on Equity (ROE) | 16.1323% | 931 |
| Retained earnings to average equity (ytd only) | 13.2258% | 681 |
| Net charge-offs to loans | 0.0040% | 2,014 |
| Credit loss provision to net charge-offs | -2,050.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | 671.4583% | 211 |
| Efficiency ratio | 50.5462% | 4,190 |
| Assets per employee ($millions) | 8.6562% | 966 |
| Cash dividends to net income (ytd only)* | 18.0165% | 2,600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1778% | 3,059 |
| Loan loss allowance to noncurrent loans | 2,044.7820% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 3,939 |
| Noncurrent loans to loans | 0.0576% | 3,893 |
| Net loans and leases to total assets | 81.1027% | 259 |
| Net loans and leases to deposits | 90.3958% | 627 |
| Net loans and leases to core deposits | 111.8265% | 320 |
| Total domestic deposits to total assets | 89.7195% | 909 |
| Equity capital to assets | 9.3131% | 3,500 |
| Core capital (leverage) ratio | 9.7725% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6315% | 2,504 |
| Memoranda: |
| Average total assets | $1,474,485,667 | 702 |
| Average earning assets | $1,402,673,333 | 680 |
| Average equity | $144,505,000 | 745 |
| Average total loans | $1,208,368,333 | 571 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0680% | 1,464 |
| Cost of funding earning assets | 0.2617% | 3,363 |
| Net interest margin | 3.8063% | 1,126 |
| Noninterest income to average assets | 0.8595% | 1,429 |
| Noninterest expense to average assets | 2.2194% | 3,045 |
| Loan and lease loss provision to assets | 0.1758% | 703 |
| Net operating income to assets | 1.4812% | 1,373 |
| Return on assets (ROA) | 1.4665% | 1,464 |
| Pretax return on assets | 2.0615% | 858 |
| Return on Equity (ROE) | 14.5526% | 1,314 |
| Retained earnings to average equity (ytd only) | 11.5988% | 1,250 |
| Net charge-offs to loans | -0.0010% | 3,053 |
| Credit loss provision to net charge-offs | -20,666.6667% | 3,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5914% | 4,223 |
| Assets per employee ($millions) | 8.5103% | 985 |
| Cash dividends to net income (ytd only)* | 20.2977% | 1,995 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4030% | 1,944 |
| Loan loss allowance to noncurrent loans | 1,447.5610% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 3,817 |
| Noncurrent loans to loans | 0.0969% | 3,821 |
| Net loans and leases to total assets | 80.2489% | 325 |
| Net loans and leases to deposits | 90.6246% | 669 |
| Net loans and leases to core deposits | 111.6221% | 371 |
| Total domestic deposits to total assets | 88.5509% | 1,588 |
| Equity capital to assets | 9.8995% | 2,796 |
| Core capital (leverage) ratio | 10.1738% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7679% | 1,977 |
| Memoranda: |
| Average total assets | $1,411,026,000 | 716 |
| Average earning assets | $1,340,424,500 | 701 |
| Average equity | $142,187,500 | 747 |
| Average total loans | $1,155,421,500 | 589 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4335% | 1,484 |
| Cost of funding earning assets | 0.6852% | 1,805 |
| Net interest margin | 3.7484% | 1,645 |
| Noninterest income to average assets | 0.8376% | 1,428 |
| Noninterest expense to average assets | 2.4200% | 3,086 |
| Loan and lease loss provision to assets | 0.4669% | 579 |
| Net operating income to assets | 1.0838% | 1,974 |
| Return on assets (ROA) | 1.0887% | 2,089 |
| Pretax return on assets | 1.5102% | 1,300 |
| Return on Equity (ROE) | 10.0737% | 1,977 |
| Retained earnings to average equity (ytd only) | -0.0152% | 4,517 |
| Net charge-offs to loans | 0.0015% | 3,366 |
| Credit loss provision to net charge-offs | 37,256.2500% | 33 |
| Earnings coverage of net charge-offs (x) | 1,572.6250% | 71 |
| Efficiency ratio | 55.1127% | 4,082 |
| Assets per employee ($millions) | 7.9005% | 1,074 |
| Cash dividends to net income (ytd only)* | 100.1511% | 256 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4200% | 1,889 |
| Loan loss allowance to noncurrent loans | 1,625.5081% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,978 |
| Noncurrent loans to loans | 0.0874% | 3,940 |
| Net loans and leases to total assets | 81.2413% | 348 |
| Net loans and leases to deposits | 92.2598% | 763 |
| Net loans and leases to core deposits | 115.2650% | 379 |
| Total domestic deposits to total assets | 88.0572% | 1,446 |
| Equity capital to assets | 10.2657% | 2,867 |
| Core capital (leverage) ratio | 10.3194% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5226% | 2,045 |
| Memoranda: |
| Average total assets | $1,276,616,800 | 716 |
| Average earning assets | $1,210,207,800 | 691 |
| Average equity | $137,973,800 | 733 |
| Average total loans | $1,057,219,200 | 604 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5214% | 1,518 |
| Cost of funding earning assets | 0.7967% | 1,514 |
| Net interest margin | 3.7247% | 1,859 |
| Noninterest income to average assets | 0.7751% | 1,585 |
| Noninterest expense to average assets | 2.4039% | 3,120 |
| Loan and lease loss provision to assets | 0.4391% | 745 |
| Net operating income to assets | 1.0510% | 2,141 |
| Return on assets (ROA) | 1.0585% | 2,249 |
| Pretax return on assets | 1.4694% | 1,517 |
| Return on Equity (ROE) | 9.6618% | 2,147 |
| Retained earnings to average equity (ytd only) | -2.8182% | 4,763 |
| Net charge-offs to loans | 0.0021% | 3,125 |
| Credit loss provision to net charge-offs | 25,812.5000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,116.3750% | 105 |
| Efficiency ratio | 55.8669% | 3,932 |
| Assets per employee ($millions) | 8.0237% | 984 |
| Cash dividends to net income (ytd only)* | 129.1683% | 144 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2712% | 2,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 82.0962% | 425 |
| Net loans and leases to deposits | 93.6616% | 950 |
| Net loans and leases to core deposits | 118.9419% | 437 |
| Total domestic deposits to total assets | 87.6519% | 1,373 |
| Equity capital to assets | 10.2504% | 3,007 |
| Core capital (leverage) ratio | 10.5212% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5146% | 1,992 |
| Memoranda: |
| Average total assets | $1,254,072,750 | 710 |
| Average earning assets | $1,187,822,750 | 688 |
| Average equity | $137,389,500 | 724 |
| Average total loans | $1,039,925,000 | 608 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7022% | 1,398 |
| Cost of funding earning assets | 0.9487% | 1,155 |
| Net interest margin | 3.7535% | 1,979 |
| Noninterest income to average assets | 0.6967% | 1,748 |
| Noninterest expense to average assets | 2.4128% | 3,227 |
| Loan and lease loss provision to assets | 0.4457% | 862 |
| Net operating income to assets | 1.0082% | 2,291 |
| Return on assets (ROA) | 1.0197% | 2,382 |
| Pretax return on assets | 1.4047% | 1,717 |
| Return on Equity (ROE) | 9.0945% | 2,321 |
| Retained earnings to average equity (ytd only) | -3.3507% | 4,683 |
| Net charge-offs to loans | 0.0033% | 2,872 |
| Credit loss provision to net charge-offs | 16,064.7059% | 73 |
| Earnings coverage of net charge-offs (x) | 661.7059% | 150 |
| Efficiency ratio | 56.7895% | 3,849 |
| Assets per employee ($millions) | 7.7111% | 1,084 |
| Cash dividends to net income (ytd only)* | 136.8438% | 249 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2130% | 2,449 |
| Loan loss allowance to noncurrent loans | 1,847.1780% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,260 |
| Noncurrent loans to loans | 0.0657% | 4,212 |
| Net loans and leases to total assets | 80.7251% | 516 |
| Net loans and leases to deposits | 92.6473% | 1,081 |
| Net loans and leases to core deposits | 118.6219% | 465 |
| Total domestic deposits to total assets | 87.1316% | 1,566 |
| Equity capital to assets | 10.6969% | 2,576 |
| Core capital (leverage) ratio | 10.8738% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0407% | 1,799 |
| Memoranda: |
| Average total assets | $1,225,444,000 | 717 |
| Average earning assets | $1,159,661,333 | 695 |
| Average equity | $137,402,333 | 715 |
| Average total loans | $1,015,160,000 | 610 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0712% | 845 |
| Cost of funding earning assets | 1.1415% | 927 |
| Net interest margin | 3.9297% | 1,582 |
| Noninterest income to average assets | 0.7496% | 1,467 |
| Noninterest expense to average assets | 2.5264% | 3,187 |
| Loan and lease loss provision to assets | 0.2489% | 1,245 |
| Net operating income to assets | 1.2463% | 1,387 |
| Return on assets (ROA) | 1.2617% | 1,445 |
| Pretax return on assets | 1.7168% | 835 |
| Return on Equity (ROE) | 10.9802% | 1,416 |
| Retained earnings to average equity (ytd only) | -10.8548% | 4,793 |
| Net charge-offs to loans | 0.0185% | 2,002 |
| Credit loss provision to net charge-offs | 1,615.2174% | 401 |
| Earnings coverage of net charge-offs (x) | 126.3261% | 490 |
| Efficiency ratio | 56.4849% | 4,163 |
| Assets per employee ($millions) | 6.9097% | 1,138 |
| Cash dividends to net income (ytd only)* | 198.8585% | 304 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0738% | 3,334 |
| Loan loss allowance to noncurrent loans | 891.2106% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,116 |
| Noncurrent loans to loans | 0.1205% | 4,039 |
| Net loans and leases to total assets | 81.8880% | 447 |
| Net loans and leases to deposits | 93.9606% | 1,082 |
| Net loans and leases to core deposits | 135.0498% | 212 |
| Total domestic deposits to total assets | 87.1515% | 1,487 |
| Equity capital to assets | 11.2599% | 2,629 |
| Core capital (leverage) ratio | 11.4247% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5863% | 2,044 |
| Memoranda: |
| Average total assets | $1,194,291,000 | 696 |
| Average earning assets | $1,131,492,500 | 677 |
| Average equity | $137,229,000 | 706 |
| Average total loans | $996,589,500 | 598 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5888% | 486 |
| Cost of funding earning assets | 1.3793% | 602 |
| Net interest margin | 4.2095% | 1,301 |
| Noninterest income to average assets | 1.0173% | 939 |
| Noninterest expense to average assets | 2.8235% | 2,525 |
| Loan and lease loss provision to assets | 0.0988% | 2,074 |
| Net operating income to assets | 1.5613% | 915 |
| Return on assets (ROA) | 1.5664% | 964 |
| Pretax return on assets | 2.0688% | 513 |
| Return on Equity (ROE) | 13.0824% | 1,143 |
| Retained earnings to average equity (ytd only) | 4.4875% | 2,713 |
| Net charge-offs to loans | 0.0733% | 2,045 |
| Credit loss provision to net charge-offs | 160.1744% | 1,610 |
| Earnings coverage of net charge-offs (x) | 35.0538% | 1,426 |
| Efficiency ratio | 56.6444% | 4,129 |
| Assets per employee ($millions) | 7.0201% | 1,032 |
| Cash dividends to net income (ytd only)* | 65.6979% | 1,302 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0129% | 3,423 |
| Loan loss allowance to noncurrent loans | 824.4463% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 4,111 |
| Noncurrent loans to loans | 0.1229% | 4,036 |
| Net loans and leases to total assets | 83.2802% | 391 |
| Net loans and leases to deposits | 96.0172% | 937 |
| Net loans and leases to core deposits | 132.4146% | 248 |
| Total domestic deposits to total assets | 86.7346% | 1,741 |
| Equity capital to assets | 11.7268% | 2,332 |
| Core capital (leverage) ratio | 11.9474% | 1,810 |
| Tier 1 risk-based capital ratio | 13.9325% | 3,303 |
| Total risk-based capital ratio | 14.9561% | 3,314 |
| Memoranda: |
| Average total assets | $1,115,941,400 | 713 |
| Average earning assets | $1,051,752,000 | 690 |
| Average equity | $133,614,200 | 688 |
| Average total loans | $938,869,800 | 610 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6751% | 433 |
| Cost of funding earning assets | 1.4012% | 581 |
| Net interest margin | 4.2739% | 1,217 |
| Noninterest income to average assets | 1.0692% | 801 |
| Noninterest expense to average assets | 2.9007% | 2,265 |
| Loan and lease loss provision to assets | 0.0837% | 2,230 |
| Net operating income to assets | 1.5943% | 946 |
| Return on assets (ROA) | 1.6029% | 966 |
| Pretax return on assets | 2.1188% | 529 |
| Return on Equity (ROE) | 13.3137% | 1,171 |
| Retained earnings to average equity (ytd only) | 2.5580% | 4,070 |
| Net charge-offs to loans | 0.0991% | 1,480 |
| Credit loss provision to net charge-offs | 100.4360% | 2,238 |
| Earnings coverage of net charge-offs (x) | 26.2849% | 1,748 |
| Efficiency ratio | 56.9603% | 4,069 |
| Assets per employee ($millions) | 6.7346% | 1,137 |
| Cash dividends to net income (ytd only)* | 80.7864% | 633 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9992% | 3,577 |
| Loan loss allowance to noncurrent loans | 778.6753% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 3,494 |
| Noncurrent loans to loans | 0.1283% | 4,075 |
| Net loans and leases to total assets | 82.9350% | 457 |
| Net loans and leases to deposits | 95.6134% | 1,063 |
| Net loans and leases to core deposits | 132.3859% | 266 |
| Total domestic deposits to total assets | 86.7398% | 1,659 |
| Equity capital to assets | 11.6668% | 2,544 |
| Core capital (leverage) ratio | 11.8276% | 1,980 |
| Tier 1 risk-based capital ratio | 14.0111% | 3,326 |
| Total risk-based capital ratio | 15.0297% | 3,341 |
| Memoranda: |
| Average total assets | $1,100,082,250 | 723 |
| Average earning assets | $1,035,568,750 | 700 |
| Average equity | $132,442,000 | 691 |
| Average total loans | $925,527,750 | 622 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6831% | 420 |
| Cost of funding earning assets | 1.3713% | 593 |
| Net interest margin | 4.3118% | 1,116 |
| Noninterest income to average assets | 1.1288% | 663 |
| Noninterest expense to average assets | 3.0213% | 1,951 |
| Loan and lease loss provision to assets | 0.0741% | 2,335 |
| Net operating income to assets | 1.5836% | 943 |
| Return on assets (ROA) | 1.5935% | 968 |
| Pretax return on assets | 2.1047% | 546 |
| Return on Equity (ROE) | 13.0922% | 1,206 |
| Retained earnings to average equity (ytd only) | 4.9377% | 2,798 |
| Net charge-offs to loans | 0.1122% | 1,295 |
| Credit loss provision to net charge-offs | 78.3203% | 2,239 |
| Earnings coverage of net charge-offs (x) | 22.9082% | 1,672 |
| Efficiency ratio | 58.2420% | 3,977 |
| Assets per employee ($millions) | 6.7111% | 1,132 |
| Cash dividends to net income (ytd only)* | 62.2856% | 1,336 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0045% | 3,595 |
| Loan loss allowance to noncurrent loans | 780.0983% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 4,215 |
| Noncurrent loans to loans | 0.1288% | 4,098 |
| Net loans and leases to total assets | 83.2605% | 437 |
| Net loans and leases to deposits | 96.2471% | 1,010 |
| Net loans and leases to core deposits | 132.9218% | 274 |
| Total domestic deposits to total assets | 86.5070% | 1,818 |
| Equity capital to assets | 11.9494% | 2,224 |
| Core capital (leverage) ratio | 12.1769% | 1,711 |
| Tier 1 risk-based capital ratio | 14.3455% | 3,143 |
| Total risk-based capital ratio | 15.3723% | 3,171 |
| Memoranda: |
| Average total assets | $1,082,902,000 | 735 |
| Average earning assets | $1,019,336,670 | 713 |
| Average equity | $131,803,330 | 690 |
| Average total loans | $912,457,670 | 630 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6423% | 398 |
| Cost of funding earning assets | 1.3174% | 628 |
| Net interest margin | 4.3250% | 1,054 |
| Noninterest income to average assets | 1.3392% | 477 |
| Noninterest expense to average assets | 3.0495% | 1,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7878% | 591 |
| Return on assets (ROA) | 1.7971% | 602 |
| Pretax return on assets | 2.3737% | 313 |
| Return on Equity (ROE) | 14.6230% | 834 |
| Retained earnings to average equity (ytd only) | 14.6230% | 305 |
| Net charge-offs to loans | 0.0076% | 2,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 368.4118% | 215 |
| Efficiency ratio | 56.3524% | 4,283 |
| Assets per employee ($millions) | 6.6081% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0532% | 3,392 |
| Loan loss allowance to noncurrent loans | 775.1007% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 3,743 |
| Noncurrent loans to loans | 0.1359% | 4,129 |
| Net loans and leases to total assets | 83.8991% | 383 |
| Net loans and leases to deposits | 97.0973% | 879 |
| Net loans and leases to core deposits | 132.5464% | 276 |
| Total domestic deposits to total assets | 86.4072% | 2,109 |
| Equity capital to assets | 12.1577% | 1,930 |
| Core capital (leverage) ratio | 12.5972% | 1,457 |
| Tier 1 risk-based capital ratio | 14.5229% | 3,091 |
| Total risk-based capital ratio | 15.5992% | 3,102 |
| Memoranda: |
| Average total assets | $1,060,624,000 | 748 |
| Average earning assets | $998,668,500 | 729 |
| Average equity | $130,342,500 | 696 |
| Average total loans | $894,560,500 | 645 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4584% | 434 |
| Cost of funding earning assets | 0.9932% | 776 |
| Net interest margin | 4.4652% | 817 |
| Noninterest income to average assets | 0.9577% | 1,043 |
| Noninterest expense to average assets | 2.9930% | 2,059 |
| Loan and lease loss provision to assets | 0.1289% | 1,709 |
| Net operating income to assets | 1.4662% | 1,215 |
| Return on assets (ROA) | 1.4592% | 1,234 |
| Pretax return on assets | 1.9925% | 572 |
| Return on Equity (ROE) | 12.2724% | 1,621 |
| Retained earnings to average equity (ytd only) | 12.2724% | 300 |
| Net charge-offs to loans | 0.0931% | 1,836 |
| Credit loss provision to net charge-offs | 164.3320% | 1,693 |
| Earnings coverage of net charge-offs (x) | 27.1660% | 1,698 |
| Efficiency ratio | 58.4202% | 4,094 |
| Assets per employee ($millions) | 6.7801% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1002% | 3,095 |
| Loan loss allowance to noncurrent loans | 613.3673% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 4,079 |
| Noncurrent loans to loans | 0.1794% | 3,951 |
| Net loans and leases to total assets | 82.9565% | 515 |
| Net loans and leases to deposits | 95.6913% | 1,102 |
| Net loans and leases to core deposits | 132.6229% | 278 |
| Total domestic deposits to total assets | 86.6918% | 1,922 |
| Equity capital to assets | 12.4249% | 1,618 |
| Core capital (leverage) ratio | 12.8726% | 1,297 |
| Tier 1 risk-based capital ratio | 15.1227% | 2,770 |
| Total risk-based capital ratio | 16.2525% | 2,756 |
| Memoranda: |
| Average total assets | $983,231,200 | 782 |
| Average earning assets | $917,240,800 | 767 |
| Average equity | $116,904,600 | 740 |
| Average total loans | $827,985,200 | 677 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3691% | 459 |
| Cost of funding earning assets | 0.9208% | 837 |
| Net interest margin | 4.4483% | 820 |
| Noninterest income to average assets | 1.0179% | 927 |
| Noninterest expense to average assets | 3.0152% | 1,974 |
| Loan and lease loss provision to assets | 0.1442% | 1,378 |
| Net operating income to assets | 1.4667% | 1,284 |
| Return on assets (ROA) | 1.4546% | 1,311 |
| Pretax return on assets | 1.9797% | 653 |
| Return on Equity (ROE) | 12.3846% | 1,647 |
| Retained earnings to average equity (ytd only) | 12.3846% | 430 |
| Net charge-offs to loans | 0.1039% | 1,447 |
| Credit loss provision to net charge-offs | 164.6226% | 1,609 |
| Earnings coverage of net charge-offs (x) | 24.4198% | 1,817 |
| Efficiency ratio | 58.4977% | 4,043 |
| Assets per employee ($millions) | 6.5920% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1193% | 3,080 |
| Loan loss allowance to noncurrent loans | 1,074.3532% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 4,541 |
| Noncurrent loans to loans | 0.1042% | 4,418 |
| Net loans and leases to total assets | 81.5239% | 793 |
| Net loans and leases to deposits | 94.0718% | 1,373 |
| Net loans and leases to core deposits | 129.7958% | 336 |
| Total domestic deposits to total assets | 86.6613% | 1,888 |
| Equity capital to assets | 12.0668% | 1,863 |
| Core capital (leverage) ratio | 12.7625% | 1,387 |
| Tier 1 risk-based capital ratio | 15.0002% | 2,883 |
| Total risk-based capital ratio | 16.1493% | 2,844 |
| Memoranda: |
| Average total assets | $968,006,250 | 791 |
| Average earning assets | $900,164,000 | 778 |
| Average equity | $113,697,750 | 750 |
| Average total loans | $816,028,750 | 684 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3007% | 469 |
| Cost of funding earning assets | 0.8429% | 949 |
| Net interest margin | 4.4577% | 755 |
| Noninterest income to average assets | 1.0758% | 829 |
| Noninterest expense to average assets | 3.0151% | 2,003 |
| Loan and lease loss provision to assets | 0.1288% | 1,539 |
| Net operating income to assets | 1.5019% | 1,162 |
| Return on assets (ROA) | 1.4865% | 1,188 |
| Pretax return on assets | 2.0461% | 546 |
| Return on Equity (ROE) | 12.7836% | 1,448 |
| Retained earnings to average equity (ytd only) | 12.7836% | 415 |
| Net charge-offs to loans | 0.0062% | 2,920 |
| Credit loss provision to net charge-offs | 2,436.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 415.0400% | 223 |
| Efficiency ratio | 57.8776% | 4,251 |
| Assets per employee ($millions) | 7.0967% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1648% | 2,906 |
| Loan loss allowance to noncurrent loans | 1,512.1306% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,688 |
| Noncurrent loans to loans | 0.0770% | 4,572 |
| Net loans and leases to total assets | 84.2435% | 433 |
| Net loans and leases to deposits | 100.2019% | 795 |
| Net loans and leases to core deposits | 135.3397% | 250 |
| Total domestic deposits to total assets | 84.0738% | 3,036 |
| Equity capital to assets | 12.3857% | 1,606 |
| Core capital (leverage) ratio | 12.8998% | 1,270 |
| Tier 1 risk-based capital ratio | 14.8875% | 2,927 |
| Total risk-based capital ratio | 16.0842% | 2,880 |
| Memoranda: |
| Average total assets | $945,696,000 | 807 |
| Average earning assets | $876,948,000 | 804 |
| Average equity | $109,969,000 | 772 |
| Average total loans | $803,614,330 | 690 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2103% | 479 |
| Cost of funding earning assets | 0.7554% | 1,163 |
| Net interest margin | 4.4549% | 675 |
| Noninterest income to average assets | 0.9526% | 1,012 |
| Noninterest expense to average assets | 2.9300% | 2,255 |
| Loan and lease loss provision to assets | 0.2476% | 602 |
| Net operating income to assets | 1.3871% | 1,379 |
| Return on assets (ROA) | 1.3871% | 1,392 |
| Pretax return on assets | 1.8918% | 741 |
| Return on Equity (ROE) | 12.3524% | 1,454 |
| Retained earnings to average equity (ytd only) | 12.3524% | 618 |
| Net charge-offs to loans | -0.0010% | 3,758 |
| Credit loss provision to net charge-offs | -28,750.0000% | 4,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7982% | 4,370 |
| Assets per employee ($millions) | 6.8833% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1961% | 2,825 |
| Loan loss allowance to noncurrent loans | 4,031.5353% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,991 |
| Noncurrent loans to loans | 0.0297% | 4,847 |
| Net loans and leases to total assets | 83.8866% | 447 |
| Net loans and leases to deposits | 98.0845% | 851 |
| Net loans and leases to core deposits | 131.8341% | 305 |
| Total domestic deposits to total assets | 85.5248% | 2,741 |
| Equity capital to assets | 12.2488% | 1,635 |
| Core capital (leverage) ratio | 13.0863% | 1,147 |
| Tier 1 risk-based capital ratio | 14.9230% | 2,903 |
| Total risk-based capital ratio | 16.1639% | 2,837 |
| Memoranda: |
| Average total assets | $928,871,000 | 824 |
| Average earning assets | $858,384,000 | 829 |
| Average equity | $104,304,000 | 819 |
| Average total loans | $788,042,500 | 705 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2130% | 437 |
| Cost of funding earning assets | 0.5918% | 1,660 |
| Net interest margin | 4.6212% | 482 |
| Noninterest income to average assets | 1.0762% | 879 |
| Noninterest expense to average assets | 3.1400% | 1,748 |
| Loan and lease loss provision to assets | 0.1570% | 1,430 |
| Net operating income to assets | 1.1087% | 1,832 |
| Return on assets (ROA) | 1.1087% | 1,853 |
| Pretax return on assets | 2.0558% | 433 |
| Return on Equity (ROE) | 10.7040% | 1,585 |
| Retained earnings to average equity (ytd only) | 10.7040% | 275 |
| Net charge-offs to loans | 0.0115% | 3,687 |
| Credit loss provision to net charge-offs | 1,598.7805% | 245 |
| Earnings coverage of net charge-offs (x) | 225.3293% | 363 |
| Efficiency ratio | 58.6607% | 4,450 |
| Assets per employee ($millions) | 6.9842% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1967% | 2,806 |
| Loan loss allowance to noncurrent loans | 1,338.2138% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 4,741 |
| Noncurrent loans to loans | 0.0894% | 4,595 |
| Net loans and leases to total assets | 83.7570% | 468 |
| Net loans and leases to deposits | 97.5840% | 934 |
| Net loans and leases to core deposits | 126.7543% | 416 |
| Total domestic deposits to total assets | 85.8307% | 2,518 |
| Equity capital to assets | 10.1463% | 3,542 |
| Core capital (leverage) ratio | 10.4487% | 2,902 |
| Tier 1 risk-based capital ratio | 12.2485% | 4,366 |
| Total risk-based capital ratio | 13.4812% | 4,277 |
| Memoranda: |
| Average total assets | $835,005,200 | 893 |
| Average earning assets | $772,747,400 | 890 |
| Average equity | $86,490,800 | 946 |
| Average total loans | $715,482,200 | 736 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1388% | 469 |
| Cost of funding earning assets | 0.5625% | 1,791 |
| Net interest margin | 4.5763% | 513 |
| Noninterest income to average assets | 1.0927% | 852 |
| Noninterest expense to average assets | 3.2023% | 1,551 |
| Loan and lease loss provision to assets | 0.1611% | 1,270 |
| Net operating income to assets | 1.1976% | 1,704 |
| Return on assets (ROA) | 1.1976% | 1,736 |
| Pretax return on assets | 1.9658% | 589 |
| Return on Equity (ROE) | 11.4971% | 1,488 |
| Retained earnings to average equity (ytd only) | 11.4971% | 344 |
| Net charge-offs to loans | -0.0019% | 4,316 |
| Credit loss provision to net charge-offs | -9,890.0000% | 5,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0899% | 4,196 |
| Assets per employee ($millions) | 6.6594% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1895% | 2,994 |
| Loan loss allowance to noncurrent loans | 2,363.1300% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 5,017 |
| Noncurrent loans to loans | 0.0503% | 4,885 |
| Net loans and leases to total assets | 84.1873% | 416 |
| Net loans and leases to deposits | 98.0795% | 907 |
| Net loans and leases to core deposits | 119.7690% | 597 |
| Total domestic deposits to total assets | 85.8358% | 2,375 |
| Equity capital to assets | 10.1735% | 3,721 |
| Core capital (leverage) ratio | 10.7606% | 2,688 |
| Tier 1 risk-based capital ratio | 12.1466% | 4,522 |
| Total risk-based capital ratio | 13.3687% | 4,432 |
| Memoranda: |
| Average total assets | $818,514,750 | 913 |
| Average earning assets | $757,739,750 | 915 |
| Average equity | $85,259,750 | 958 |
| Average total loans | $703,412,000 | 741 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0767% | 496 |
| Cost of funding earning assets | 0.5367% | 1,864 |
| Net interest margin | 4.5400% | 525 |
| Noninterest income to average assets | 1.1156% | 806 |
| Noninterest expense to average assets | 3.2372% | 1,502 |
| Loan and lease loss provision to assets | 0.1781% | 1,073 |
| Net operating income to assets | 1.1574% | 1,751 |
| Return on assets (ROA) | 1.1574% | 1,794 |
| Pretax return on assets | 1.9090% | 636 |
| Return on Equity (ROE) | 11.0171% | 1,640 |
| Retained earnings to average equity (ytd only) | 11.0171% | 436 |
| Net charge-offs to loans | 0.0189% | 2,868 |
| Credit loss provision to net charge-offs | 1,093.8462% | 366 |
| Earnings coverage of net charge-offs (x) | 128.1692% | 554 |
| Efficiency ratio | 60.8008% | 4,195 |
| Assets per employee ($millions) | 6.4754% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2120% | 2,942 |
| Loan loss allowance to noncurrent loans | 2,032.3040% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 5,025 |
| Noncurrent loans to loans | 0.0596% | 4,888 |
| Net loans and leases to total assets | 83.4892% | 488 |
| Net loans and leases to deposits | 95.1520% | 1,166 |
| Net loans and leases to core deposits | 113.9513% | 801 |
| Total domestic deposits to total assets | 87.7430% | 1,597 |
| Equity capital to assets | 10.3756% | 3,482 |
| Core capital (leverage) ratio | 10.8829% | 2,524 |
| Tier 1 risk-based capital ratio | 12.3568% | 4,383 |
| Total risk-based capital ratio | 13.5898% | 4,281 |
| Memoranda: |
| Average total assets | $798,339,000 | 947 |
| Average earning assets | $740,086,000 | 942 |
| Average equity | $83,870,000 | 977 |
| Average total loans | $688,232,330 | 761 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0638% | 473 |
| Cost of funding earning assets | 0.5392% | 1,796 |
| Net interest margin | 4.5246% | 502 |
| Noninterest income to average assets | 1.1510% | 761 |
| Noninterest expense to average assets | 3.2730% | 1,436 |
| Loan and lease loss provision to assets | 0.2775% | 517 |
| Net operating income to assets | 1.1028% | 1,856 |
| Return on assets (ROA) | 1.1028% | 1,898 |
| Pretax return on assets | 1.8101% | 772 |
| Return on Equity (ROE) | 10.4280% | 1,767 |
| Retained earnings to average equity (ytd only) | 10.4280% | 723 |
| Net charge-offs to loans | 0.0418% | 1,991 |
| Credit loss provision to net charge-offs | 761.9718% | 414 |
| Earnings coverage of net charge-offs (x) | 57.3239% | 831 |
| Efficiency ratio | 61.0564% | 4,310 |
| Assets per employee ($millions) | 6.2023% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2272% | 2,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 84.3002% | 335 |
| Net loans and leases to deposits | 94.8576% | 1,033 |
| Net loans and leases to core deposits | 113.6820% | 690 |
| Total domestic deposits to total assets | 88.8703% | 1,215 |
| Equity capital to assets | 10.4634% | 3,220 |
| Core capital (leverage) ratio | 10.7329% | 2,659 |
| Tier 1 risk-based capital ratio | 12.4060% | 4,445 |
| Total risk-based capital ratio | 13.6561% | 4,349 |
| Memoranda: |
| Average total assets | $779,846,000 | 964 |
| Average earning assets | $725,549,000 | 954 |
| Average equity | $82,470,000 | 991 |
| Average total loans | $679,367,500 | 769 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9471% | 661 |
| Cost of funding earning assets | 0.5261% | 1,896 |
| Net interest margin | 4.4210% | 741 |
| Noninterest income to average assets | 1.3139% | 661 |
| Noninterest expense to average assets | 3.3587% | 1,443 |
| Loan and lease loss provision to assets | 0.2454% | 860 |
| Net operating income to assets | 1.0955% | 1,917 |
| Return on assets (ROA) | 1.0955% | 2,011 |
| Pretax return on assets | 1.8426% | 704 |
| Return on Equity (ROE) | 9.8012% | 2,052 |
| Retained earnings to average equity (ytd only) | 9.8012% | 443 |
| Net charge-offs to loans | 0.0277% | 3,475 |
| Credit loss provision to net charge-offs | 1,031.9018% | 371 |
| Earnings coverage of net charge-offs (x) | 87.8098% | 669 |
| Efficiency ratio | 61.6654% | 4,317 |
| Assets per employee ($millions) | 5.8431% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1703% | 3,307 |
| Loan loss allowance to noncurrent loans | 3,784.6890% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 5,270 |
| Noncurrent loans to loans | 0.0309% | 5,145 |
| Net loans and leases to total assets | 87.9365% | 127 |
| Net loans and leases to deposits | 100.9337% | 607 |
| Net loans and leases to core deposits | 121.0622% | 455 |
| Total domestic deposits to total assets | 87.1230% | 2,077 |
| Equity capital to assets | 10.6929% | 2,934 |
| Core capital (leverage) ratio | 10.8845% | 2,449 |
| Tier 1 risk-based capital ratio | 12.1929% | 4,583 |
| Total risk-based capital ratio | 13.3908% | 4,503 |
| Memoranda: |
| Average total assets | $685,506,600 | 1,038 |
| Average earning assets | $640,803,800 | 1,017 |
| Average equity | $76,623,600 | 1,035 |
| Average total loans | $587,853,000 | 846 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8977% | 728 |
| Cost of funding earning assets | 0.5305% | 1,875 |
| Net interest margin | 4.3673% | 824 |
| Noninterest income to average assets | 1.2942% | 691 |
| Noninterest expense to average assets | 3.3557% | 1,440 |
| Loan and lease loss provision to assets | 0.2717% | 655 |
| Net operating income to assets | 1.0495% | 2,202 |
| Return on assets (ROA) | 1.0495% | 2,329 |
| Pretax return on assets | 1.7549% | 984 |
| Return on Equity (ROE) | 9.2745% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.2745% | 739 |
| Net charge-offs to loans | 0.0316% | 3,015 |
| Credit loss provision to net charge-offs | 1,014.1791% | 393 |
| Earnings coverage of net charge-offs (x) | 75.6577% | 820 |
| Efficiency ratio | 62.3473% | 4,169 |
| Assets per employee ($millions) | 5.6820% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2099% | 3,174 |
| Loan loss allowance to noncurrent loans | 1,275.5444% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 5,108 |
| Noncurrent loans to loans | 0.0949% | 4,965 |
| Net loans and leases to total assets | 86.1665% | 244 |
| Net loans and leases to deposits | 99.1879% | 761 |
| Net loans and leases to core deposits | 119.9909% | 503 |
| Total domestic deposits to total assets | 86.8720% | 1,951 |
| Equity capital to assets | 10.9111% | 3,116 |
| Core capital (leverage) ratio | 11.2856% | 2,201 |
| Tier 1 risk-based capital ratio | 12.6956% | 4,344 |
| Total risk-based capital ratio | 13.9402% | 4,256 |
| Memoranda: |
| Average total assets | $666,984,000 | 1,063 |
| Average earning assets | $624,357,750 | 1,045 |
| Average equity | $75,473,750 | 1,056 |
| Average total loans | $565,848,000 | 876 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8355% | 819 |
| Cost of funding earning assets | 0.5438% | 1,749 |
| Net interest margin | 4.2917% | 938 |
| Noninterest income to average assets | 1.2559% | 719 |
| Noninterest expense to average assets | 3.4295% | 1,315 |
| Loan and lease loss provision to assets | 0.2102% | 1,017 |
| Net operating income to assets | 0.9785% | 2,476 |
| Return on assets (ROA) | 0.9785% | 2,626 |
| Pretax return on assets | 1.6329% | 1,274 |
| Return on Equity (ROE) | 8.5338% | 2,729 |
| Retained earnings to average equity (ytd only) | 8.5338% | 998 |
| Net charge-offs to loans | -0.0026% | 4,401 |
| Credit loss provision to net charge-offs | -9,742.8571% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0433% | 3,841 |
| Assets per employee ($millions) | 5.3434% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2066% | 3,320 |
| Loan loss allowance to noncurrent loans | 1,072.4242% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 5,119 |
| Noncurrent loans to loans | 0.1125% | 4,997 |
| Net loans and leases to total assets | 86.0760% | 246 |
| Net loans and leases to deposits | 99.6192% | 725 |
| Net loans and leases to core deposits | 119.4825% | 528 |
| Total domestic deposits to total assets | 86.4049% | 2,216 |
| Equity capital to assets | 11.3586% | 2,687 |
| Core capital (leverage) ratio | 11.4021% | 2,063 |
| Tier 1 risk-based capital ratio | 13.0203% | 4,190 |
| Total risk-based capital ratio | 14.2418% | 4,118 |
| Memoranda: |
| Average total assets | $648,775,000 | 1,096 |
| Average earning assets | $607,223,000 | 1,074 |
| Average equity | $74,386,330 | 1,073 |
| Average total loans | $544,663,330 | 902 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7226% | 1,000 |
| Cost of funding earning assets | 0.5453% | 1,750 |
| Net interest margin | 4.1772% | 1,149 |
| Noninterest income to average assets | 1.1355% | 852 |
| Noninterest expense to average assets | 3.5210% | 1,149 |
| Loan and lease loss provision to assets | 0.1445% | 1,461 |
| Net operating income to assets | 0.8289% | 3,103 |
| Return on assets (ROA) | 0.8289% | 3,232 |
| Pretax return on assets | 1.3787% | 1,969 |
| Return on Equity (ROE) | 7.1936% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.1936% | 1,793 |
| Net charge-offs to loans | -0.0008% | 4,073 |
| Credit loss provision to net charge-offs | -23,000.0000% | 5,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8019% | 3,167 |
| Assets per employee ($millions) | 5.4078% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2387% | 3,262 |
| Loan loss allowance to noncurrent loans | 1,061.0577% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 5,200 |
| Noncurrent loans to loans | 0.1167% | 5,011 |
| Net loans and leases to total assets | 80.6775% | 718 |
| Net loans and leases to deposits | 95.0737% | 1,035 |
| Net loans and leases to core deposits | 117.6151% | 546 |
| Total domestic deposits to total assets | 84.8579% | 3,183 |
| Equity capital to assets | 11.3365% | 2,585 |
| Core capital (leverage) ratio | 11.7149% | 1,814 |
| Tier 1 risk-based capital ratio | 13.9316% | 3,732 |
| Total risk-based capital ratio | 15.1816% | 3,661 |
| Memoranda: |
| Average total assets | $636,529,000 | 1,113 |
| Average earning assets | $595,608,000 | 1,089 |
| Average equity | $73,342,500 | 1,083 |
| Average total loans | $523,695,500 | 935 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7355% | 1,037 |
| Cost of funding earning assets | 0.5055% | 2,114 |
| Net interest margin | 4.2300% | 1,102 |
| Noninterest income to average assets | 1.3962% | 620 |
| Noninterest expense to average assets | 3.4435% | 1,401 |
| Loan and lease loss provision to assets | 0.0962% | 2,388 |
| Net operating income to assets | 1.0415% | 2,168 |
| Return on assets (ROA) | 1.0416% | 2,248 |
| Pretax return on assets | 1.7699% | 851 |
| Return on Equity (ROE) | 8.6792% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.6792% | 737 |
| Net charge-offs to loans | -0.0175% | 5,233 |
| Credit loss provision to net charge-offs | -674.3902% | 5,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8565% | 4,105 |
| Assets per employee ($millions) | 5.3338% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2459% | 3,201 |
| Loan loss allowance to noncurrent loans | 974.0854% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 5,175 |
| Noncurrent loans to loans | 0.1279% | 4,983 |
| Net loans and leases to total assets | 81.8588% | 609 |
| Net loans and leases to deposits | 97.4513% | 869 |
| Net loans and leases to core deposits | 121.3605% | 443 |
| Total domestic deposits to total assets | 83.9997% | 3,481 |
| Equity capital to assets | 11.7187% | 2,180 |
| Core capital (leverage) ratio | 11.5521% | 1,921 |
| Tier 1 risk-based capital ratio | 14.0308% | 3,699 |
| Total risk-based capital ratio | 15.2826% | 3,621 |
| Memoranda: |
| Average total assets | $575,054,800 | 1,186 |
| Average earning assets | $531,986,400 | 1,182 |
| Average equity | $69,015,600 | 1,102 |
| Average total loans | $467,485,800 | 989 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7069% | 1,088 |
| Cost of funding earning assets | 0.4712% | 2,487 |
| Net interest margin | 4.2357% | 1,089 |
| Noninterest income to average assets | 1.4157% | 623 |
| Noninterest expense to average assets | 3.4237% | 1,428 |
| Loan and lease loss provision to assets | 0.1307% | 1,721 |
| Net operating income to assets | 1.0416% | 2,265 |
| Return on assets (ROA) | 1.0418% | 2,356 |
| Pretax return on assets | 1.7709% | 946 |
| Return on Equity (ROE) | 8.6248% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.6248% | 1,028 |
| Net charge-offs to loans | -0.0231% | 5,252 |
| Credit loss provision to net charge-offs | -700.0000% | 5,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2936% | 4,194 |
| Assets per employee ($millions) | 5.1814% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2607% | 3,301 |
| Loan loss allowance to noncurrent loans | 1,189.3855% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 5,392 |
| Noncurrent loans to loans | 0.1060% | 5,215 |
| Net loans and leases to total assets | 82.5141% | 526 |
| Net loans and leases to deposits | 98.1370% | 807 |
| Net loans and leases to core deposits | 120.5480% | 452 |
| Total domestic deposits to total assets | 84.0805% | 3,391 |
| Equity capital to assets | 11.6822% | 2,364 |
| Core capital (leverage) ratio | 11.9925% | 1,677 |
| Tier 1 risk-based capital ratio | 13.8025% | 3,965 |
| Total risk-based capital ratio | 15.0545% | 3,904 |
| Memoranda: |
| Average total assets | $564,139,000 | 1,218 |
| Average earning assets | $520,673,250 | 1,217 |
| Average equity | $68,143,000 | 1,124 |
| Average total loans | $456,141,000 | 1,016 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6001% | 1,283 |
| Cost of funding earning assets | 0.4336% | 2,907 |
| Net interest margin | 4.1664% | 1,184 |
| Noninterest income to average assets | 1.4528% | 604 |
| Noninterest expense to average assets | 3.4920% | 1,312 |
| Loan and lease loss provision to assets | 0.0280% | 3,565 |
| Net operating income to assets | 1.0486% | 2,147 |
| Return on assets (ROA) | 1.0489% | 2,254 |
| Pretax return on assets | 1.7826% | 922 |
| Return on Equity (ROE) | 8.5798% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.5798% | 1,051 |
| Net charge-offs to loans | -0.0214% | 5,198 |
| Credit loss provision to net charge-offs | -163.8298% | 4,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8598% | 4,036 |
| Assets per employee ($millions) | 5.2294% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2621% | 3,444 |
| Loan loss allowance to noncurrent loans | 854.5058% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 5,381 |
| Noncurrent loans to loans | 0.1477% | 5,159 |
| Net loans and leases to total assets | 81.4391% | 614 |
| Net loans and leases to deposits | 95.6766% | 991 |
| Net loans and leases to core deposits | 115.0976% | 622 |
| Total domestic deposits to total assets | 85.1191% | 3,077 |
| Equity capital to assets | 12.2311% | 1,852 |
| Core capital (leverage) ratio | 12.5190% | 1,369 |
| Tier 1 risk-based capital ratio | 14.5318% | 3,617 |
| Total risk-based capital ratio | 15.7838% | 3,546 |
| Memoranda: |
| Average total assets | $550,110,670 | 1,246 |
| Average earning assets | $508,253,000 | 1,241 |
| Average equity | $67,250,670 | 1,142 |
| Average total loans | $439,319,000 | 1,050 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4441% | 1,625 |
| Cost of funding earning assets | 0.4092% | 3,199 |
| Net interest margin | 4.0350% | 1,454 |
| Noninterest income to average assets | 1.3405% | 640 |
| Noninterest expense to average assets | 3.3760% | 1,539 |
| Loan and lease loss provision to assets | 0.0567% | 2,795 |
| Net operating income to assets | 0.9580% | 2,460 |
| Return on assets (ROA) | 0.9580% | 2,594 |
| Pretax return on assets | 1.6287% | 1,192 |
| Return on Equity (ROE) | 7.8388% | 3,048 |
| Retained earnings to average equity (ytd only) | 7.8388% | 1,633 |
| Net charge-offs to loans | -0.0366% | 5,363 |
| Credit loss provision to net charge-offs | -197.4359% | 4,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7006% | 4,031 |
| Assets per employee ($millions) | 5.3851% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3562% | 3,116 |
| Loan loss allowance to noncurrent loans | 511.4111% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 5,126 |
| Noncurrent loans to loans | 0.2652% | 4,828 |
| Net loans and leases to total assets | 76.9873% | 1,058 |
| Net loans and leases to deposits | 94.2005% | 959 |
| Net loans and leases to core deposits | 112.9000% | 614 |
| Total domestic deposits to total assets | 81.7271% | 4,594 |
| Equity capital to assets | 12.1211% | 1,944 |
| Core capital (leverage) ratio | 12.8091% | 1,230 |
| Tier 1 risk-based capital ratio | 15.1050% | 3,378 |
| Total risk-based capital ratio | 16.3580% | 3,293 |
| Memoranda: |
| Average total assets | $542,780,000 | 1,263 |
| Average earning assets | $500,525,500 | 1,263 |
| Average equity | $66,337,000 | 1,156 |
| Average total loans | $426,066,500 | 1,076 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6246% | 1,490 |
| Cost of funding earning assets | 0.3900% | 3,793 |
| Net interest margin | 4.2345% | 1,203 |
| Noninterest income to average assets | 1.9814% | 347 |
| Noninterest expense to average assets | 3.8711% | 886 |
| Loan and lease loss provision to assets | 0.2333% | 1,037 |
| Net operating income to assets | 1.0460% | 2,185 |
| Return on assets (ROA) | 1.0460% | 2,256 |
| Pretax return on assets | 1.7773% | 836 |
| Return on Equity (ROE) | 8.7632% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.7632% | 757 |
| Net charge-offs to loans | 0.1371% | 2,647 |
| Credit loss provision to net charge-offs | 210.9705% | 1,170 |
| Earnings coverage of net charge-offs (x) | 18.1835% | 1,860 |
| Efficiency ratio | 65.8166% | 4,283 |
| Assets per employee ($millions) | 5.2564% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3727% | 3,077 |
| Loan loss allowance to noncurrent loans | 605.1525% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 5,315 |
| Noncurrent loans to loans | 0.2268% | 5,011 |
| Net loans and leases to total assets | 77.8846% | 1,014 |
| Net loans and leases to deposits | 96.4912% | 868 |
| Net loans and leases to core deposits | 114.5379% | 580 |
| Total domestic deposits to total assets | 80.7168% | 4,818 |
| Equity capital to assets | 12.3268% | 1,751 |
| Core capital (leverage) ratio | 14.0394% | 807 |
| Tier 1 risk-based capital ratio | 15.4170% | 3,268 |
| Total risk-based capital ratio | 16.6686% | 3,210 |
| Memoranda: |
| Average total assets | $428,689,000 | 1,551 |
| Average earning assets | $394,848,800 | 1,549 |
| Average equity | $51,168,800 | 1,422 |
| Average total loans | $345,684,000 | 1,275 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7105% | 1,285 |
| Cost of funding earning assets | 0.4073% | 3,705 |
| Net interest margin | 4.3032% | 1,046 |
| Noninterest income to average assets | 2.2033% | 295 |
| Noninterest expense to average assets | 4.1232% | 664 |
| Loan and lease loss provision to assets | 0.0860% | 2,637 |
| Net operating income to assets | 1.1576% | 1,831 |
| Return on assets (ROA) | 1.1576% | 1,896 |
| Pretax return on assets | 1.9596% | 627 |
| Return on Equity (ROE) | 9.8036% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.8036% | 756 |
| Net charge-offs to loans | 0.0024% | 4,629 |
| Credit loss provision to net charge-offs | 4,333.3333% | 92 |
| Earnings coverage of net charge-offs (x) | 1,030.8075% | 67 |
| Efficiency ratio | 66.8400% | 4,076 |
| Assets per employee ($millions) | 4.3859% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4888% | 2,776 |
| Loan loss allowance to noncurrent loans | 514.7418% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 5,262 |
| Noncurrent loans to loans | 0.2892% | 5,045 |
| Net loans and leases to total assets | 81.0823% | 594 |
| Net loans and leases to deposits | 96.2327% | 862 |
| Net loans and leases to core deposits | 112.9090% | 625 |
| Total domestic deposits to total assets | 84.2565% | 3,655 |
| Equity capital to assets | 14.3116% | 906 |
| Core capital (leverage) ratio | 14.8500% | 650 |
| Tier 1 risk-based capital ratio | 17.5240% | 2,389 |
| Total risk-based capital ratio | 18.7774% | 2,345 |
| Memoranda: |
| Average total assets | $403,138,250 | 1,650 |
| Average earning assets | $371,499,000 | 1,638 |
| Average equity | $47,600,500 | 1,518 |
| Average total loans | $327,295,500 | 1,342 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6690% | 1,351 |
| Cost of funding earning assets | 0.4243% | 3,608 |
| Net interest margin | 4.2447% | 1,145 |
| Noninterest income to average assets | 2.3847% | 263 |
| Noninterest expense to average assets | 4.2055% | 593 |
| Loan and lease loss provision to assets | 0.1339% | 1,848 |
| Net operating income to assets | 1.1457% | 1,772 |
| Return on assets (ROA) | 1.1457% | 1,858 |
| Pretax return on assets | 1.9449% | 622 |
| Return on Equity (ROE) | 10.5635% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.5635% | 604 |
| Net charge-offs to loans | 0.0108% | 4,040 |
| Credit loss provision to net charge-offs | 1,529.4118% | 236 |
| Earnings coverage of net charge-offs (x) | 237.4706% | 287 |
| Efficiency ratio | 66.9207% | 4,213 |
| Assets per employee ($millions) | 4.5287% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6564% | 2,269 |
| Loan loss allowance to noncurrent loans | 556.5615% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 5,435 |
| Noncurrent loans to loans | 0.2976% | 5,127 |
| Net loans and leases to total assets | 73.9428% | 1,453 |
| Net loans and leases to deposits | 87.3236% | 1,671 |
| Net loans and leases to core deposits | 99.3327% | 1,333 |
| Total domestic deposits to total assets | 84.6768% | 3,650 |
| Equity capital to assets | 14.2317% | 887 |
| Core capital (leverage) ratio | 15.4442% | 543 |
| Tier 1 risk-based capital ratio | 19.1391% | 1,892 |
| Total risk-based capital ratio | 20.3945% | 1,850 |
| Memoranda: |
| Average total assets | $388,398,330 | 1,696 |
| Average earning assets | $356,820,000 | 1,697 |
| Average equity | $42,126,000 | 1,701 |
| Average total loans | $313,657,330 | 1,384 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8001% | 1,042 |
| Cost of funding earning assets | 0.4351% | 3,596 |
| Net interest margin | 4.3651% | 867 |
| Noninterest income to average assets | 2.2714% | 270 |
| Noninterest expense to average assets | 4.1250% | 656 |
| Loan and lease loss provision to assets | 0.2314% | 957 |
| Net operating income to assets | 1.1274% | 1,709 |
| Return on assets (ROA) | 1.1274% | 1,774 |
| Pretax return on assets | 1.9286% | 615 |
| Return on Equity (ROE) | 12.8155% | 1,207 |
| Retained earnings to average equity (ytd only) | 12.8155% | 509 |
| Net charge-offs to loans | 0.0406% | 2,814 |
| Credit loss provision to net charge-offs | 677.4194% | 416 |
| Earnings coverage of net charge-offs (x) | 63.2258% | 629 |
| Efficiency ratio | 65.6321% | 4,593 |
| Assets per employee ($millions) | 4.6220% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7289% | 2,253 |
| Loan loss allowance to noncurrent loans | 540.7000% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 5,400 |
| Noncurrent loans to loans | 0.3197% | 5,148 |
| Net loans and leases to total assets | 80.1139% | 536 |
| Net loans and leases to deposits | 88.1808% | 1,340 |
| Net loans and leases to core deposits | 102.5927% | 951 |
| Total domestic deposits to total assets | 90.8519% | 624 |
| Equity capital to assets | 8.5160% | 5,643 |
| Core capital (leverage) ratio | 8.6849% | 5,402 |
| Tier 1 risk-based capital ratio | 9.7881% | 6,516 |
| Total risk-based capital ratio | 11.0447% | 6,494 |
| Memoranda: |
| Average total assets | $362,953,500 | 1,810 |
| Average earning assets | $333,741,500 | 1,807 |
| Average equity | $31,930,000 | 2,160 |
| Average total loans | $305,339,500 | 1,415 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7382% | 1,474 |
| Cost of funding earning assets | 0.4702% | 3,909 |
| Net interest margin | 4.2680% | 1,175 |
| Noninterest income to average assets | 2.5803% | 265 |
| Noninterest expense to average assets | 4.6272% | 470 |
| Loan and lease loss provision to assets | 0.5248% | 523 |
| Net operating income to assets | 1.8878% | 407 |
| Return on assets (ROA) | 1.8889% | 420 |
| Pretax return on assets | 1.3001% | 2,154 |
| Return on Equity (ROE) | 16.7408% | 534 |
| Retained earnings to average equity (ytd only) | 16.7408% | 131 |
| Net charge-offs to loans | 0.2621% | 2,392 |
| Credit loss provision to net charge-offs | 248.3755% | 919 |
| Earnings coverage of net charge-offs (x) | 8.6318% | 2,636 |
| Efficiency ratio | 71.7292% | 3,524 |
| Assets per employee ($millions) | 4.2256% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7548% | 2,220 |
| Loan loss allowance to noncurrent loans | 485.4225% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 5,313 |
| Noncurrent loans to loans | 0.3615% | 5,104 |
| Net loans and leases to total assets | 85.5164% | 178 |
| Net loans and leases to deposits | 94.6331% | 826 |
| Net loans and leases to core deposits | 112.6613% | 509 |
| Total domestic deposits to total assets | 90.3663% | 899 |
| Equity capital to assets | 9.1125% | 4,909 |
| Core capital (leverage) ratio | 9.4336% | 4,366 |
| Tier 1 risk-based capital ratio | 9.8483% | 6,549 |
| Total risk-based capital ratio | 11.1053% | 6,514 |
| Memoranda: |
| Average total assets | $262,212,600 | 2,413 |
| Average earning assets | $237,793,000 | 2,441 |
| Average equity | $29,586,400 | 2,279 |
| Average total loans | $211,341,400 | 1,919 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6960% | 1,608 |
| Cost of funding earning assets | 0.4774% | 3,994 |
| Net interest margin | 4.2186% | 1,280 |
| Noninterest income to average assets | 3.1610% | 223 |
| Noninterest expense to average assets | 4.7096% | 436 |
| Loan and lease loss provision to assets | 0.7575% | 274 |
| Net operating income to assets | 2.9848% | 110 |
| Return on assets (ROA) | 2.9865% | 111 |
| Pretax return on assets | 1.5045% | 1,593 |
| Return on Equity (ROE) | 24.7834% | 125 |
| Retained earnings to average equity (ytd only) | 24.7834% | 51 |
| Net charge-offs to loans | 0.5173% | 1,246 |
| Credit loss provision to net charge-offs | 186.9565% | 1,293 |
| Earnings coverage of net charge-offs (x) | 5.5788% | 3,157 |
| Efficiency ratio | 67.5697% | 4,178 |
| Assets per employee ($millions) | 3.7972% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1087% | 1,481 |
| Loan loss allowance to noncurrent loans | 366.1829% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 5,035 |
| Noncurrent loans to loans | 0.5759% | 4,763 |
| Net loans and leases to total assets | 79.0881% | 641 |
| Net loans and leases to deposits | 88.9918% | 1,268 |
| Net loans and leases to core deposits | 102.2765% | 976 |
| Total domestic deposits to total assets | 88.8711% | 1,629 |
| Equity capital to assets | 10.5390% | 3,231 |
| Core capital (leverage) ratio | 10.8296% | 2,640 |
| Tier 1 risk-based capital ratio | 10.8507% | 6,346 |
| Total risk-based capital ratio | 12.1097% | 6,305 |
| Memoranda: |
| Average total assets | $242,196,500 | 2,623 |
| Average earning assets | $218,675,250 | 2,646 |
| Average equity | $29,185,500 | 2,324 |
| Average total loans | $189,694,000 | 2,100 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6844% | 1,613 |
| Cost of funding earning assets | 0.4888% | 4,000 |
| Net interest margin | 4.1956% | 1,286 |
| Noninterest income to average assets | 3.6744% | 201 |
| Noninterest expense to average assets | 4.8564% | 397 |
| Loan and lease loss provision to assets | 1.0259% | 180 |
| Net operating income to assets | 3.9893% | 65 |
| Return on assets (ROA) | 3.9920% | 69 |
| Pretax return on assets | 1.5772% | 1,432 |
| Return on Equity (ROE) | 31.3936% | 63 |
| Retained earnings to average equity (ytd only) | 31.3936% | 31 |
| Net charge-offs to loans | 0.9344% | 662 |
| Credit loss provision to net charge-offs | 142.1508% | 1,602 |
| Earnings coverage of net charge-offs (x) | 3.6032% | 3,349 |
| Efficiency ratio | 65.1274% | 4,687 |
| Assets per employee ($millions) | 3.3705% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5087% | 979 |
| Loan loss allowance to noncurrent loans | 321.0277% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 4,744 |
| Noncurrent loans to loans | 0.7815% | 4,349 |
| Net loans and leases to total assets | 74.9896% | 1,109 |
| Net loans and leases to deposits | 85.8966% | 1,586 |
| Net loans and leases to core deposits | 94.3231% | 1,495 |
| Total domestic deposits to total assets | 87.3022% | 2,658 |
| Equity capital to assets | 12.2406% | 1,748 |
| Core capital (leverage) ratio | 11.7827% | 1,735 |
| Tier 1 risk-based capital ratio | 13.0563% | 5,097 |
| Total risk-based capital ratio | 14.3188% | 5,033 |
| Memoranda: |
| Average total assets | $224,200,330 | 2,799 |
| Average earning assets | $202,116,670 | 2,844 |
| Average equity | $28,509,000 | 2,387 |
| Average total loans | $173,161,000 | 2,279 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8147% | 1,255 |
| Cost of funding earning assets | 0.4883% | 4,197 |
| Net interest margin | 4.3263% | 919 |
| Noninterest income to average assets | 4.5725% | 164 |
| Noninterest expense to average assets | 5.9754% | 211 |
| Loan and lease loss provision to assets | 0.9378% | 202 |
| Net operating income to assets | 6.6956% | 36 |
| Return on assets (ROA) | 6.7012% | 38 |
| Pretax return on assets | 1.5698% | 1,380 |
| Return on Equity (ROE) | 51.5873% | 28 |
| Retained earnings to average equity (ytd only) | 51.5873% | 17 |
| Net charge-offs to loans | 1.8630% | 253 |
| Credit loss provision to net charge-offs | 65.0195% | 2,361 |
| Earnings coverage of net charge-offs (x) | 1.7347% | 3,255 |
| Efficiency ratio | 70.4867% | 3,896 |
| Assets per employee ($millions) | 3.4439% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4670% | 1,155 |
| Loan loss allowance to noncurrent loans | 261.4024% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 4,577 |
| Noncurrent loans to loans | 0.9438% | 4,255 |
| Net loans and leases to total assets | 74.2234% | 1,045 |
| Net loans and leases to deposits | 86.3202% | 1,317 |
| Net loans and leases to core deposits | 95.4792% | 1,231 |
| Total domestic deposits to total assets | 85.9861% | 3,531 |
| Equity capital to assets | 13.3919% | 1,247 |
| Core capital (leverage) ratio | 12.9007% | 1,154 |
| Tier 1 risk-based capital ratio | 14.2074% | 4,359 |
| Total risk-based capital ratio | 15.4702% | 4,311 |
| Memoranda: |
| Average total assets | $213,275,500 | 2,948 |
| Average earning assets | $192,495,000 | 2,981 |
| Average equity | $27,704,500 | 2,469 |
| Average total loans | $165,111,500 | 2,378 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1628% | 1,185 |
| Cost of funding earning assets | 0.5298% | 4,995 |
| Net interest margin | 4.6329% | 739 |
| Noninterest income to average assets | 3.8671% | 191 |
| Noninterest expense to average assets | 5.2417% | 321 |
| Loan and lease loss provision to assets | 1.4017% | 239 |
| Net operating income to assets | 3.8116% | 68 |
| Return on assets (ROA) | 3.8202% | 67 |
| Pretax return on assets | 1.3628% | 2,164 |
| Return on Equity (ROE) | 26.1344% | 101 |
| Retained earnings to average equity (ytd only) | 26.1344% | 26 |
| Net charge-offs to loans | 2.1850% | 313 |
| Credit loss provision to net charge-offs | 81.0339% | 3,791 |
| Earnings coverage of net charge-offs (x) | 1.5932% | 4,648 |
| Efficiency ratio | 65.5409% | 4,594 |
| Assets per employee ($millions) | 3.6165% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7122% | 912 |
| Loan loss allowance to noncurrent loans | 272.0370% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 1.0071% | 4,022 |
| Noncurrent loans to loans | 0.9970% | 4,199 |
| Net loans and leases to total assets | 76.6865% | 837 |
| Net loans and leases to deposits | 90.8565% | 993 |
| Net loans and leases to core deposits | 100.4920% | 999 |
| Total domestic deposits to total assets | 84.4040% | 4,128 |
| Equity capital to assets | 12.5603% | 1,666 |
| Core capital (leverage) ratio | 13.8422% | 840 |
| Tier 1 risk-based capital ratio | 14.4525% | 4,068 |
| Total risk-based capital ratio | 15.7196% | 4,003 |
| Memoranda: |
| Average total assets | $162,162,200 | 3,578 |
| Average earning assets | $144,573,200 | 3,650 |
| Average equity | $23,704,400 | 2,776 |
| Average total loans | $128,375,800 | 2,912 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2360% | 1,128 |
| Cost of funding earning assets | 0.5641% | 4,965 |
| Net interest margin | 4.6718% | 713 |
| Noninterest income to average assets | 3.9505% | 185 |
| Noninterest expense to average assets | 5.3000% | 302 |
| Loan and lease loss provision to assets | 1.5638% | 199 |
| Net operating income to assets | 4.7637% | 46 |
| Return on assets (ROA) | 4.7716% | 47 |
| Pretax return on assets | 1.2436% | 2,810 |
| Return on Equity (ROE) | 31.1482% | 68 |
| Retained earnings to average equity (ytd only) | 31.1482% | 31 |
| Net charge-offs to loans | 2.5176% | 244 |
| Credit loss provision to net charge-offs | 78.3473% | 3,667 |
| Earnings coverage of net charge-offs (x) | 1.4026% | 4,592 |
| Efficiency ratio | 65.4361% | 4,551 |
| Assets per employee ($millions) | 3.5363% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1807% | 611 |
| Loan loss allowance to noncurrent loans | 240.4865% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 1.3585% | 3,585 |
| Noncurrent loans to loans | 1.3226% | 3,826 |
| Net loans and leases to total assets | 79.7850% | 522 |
| Net loans and leases to deposits | 94.2180% | 776 |
| Net loans and leases to core deposits | 106.3783% | 717 |
| Total domestic deposits to total assets | 84.6813% | 3,901 |
| Equity capital to assets | 14.7602% | 878 |
| Core capital (leverage) ratio | 15.4836% | 541 |
| Tier 1 risk-based capital ratio | 15.6725% | 3,443 |
| Total risk-based capital ratio | 16.9440% | 3,394 |
| Memoranda: |
| Average total assets | $151,167,250 | 3,798 |
| Average earning assets | $134,248,000 | 3,870 |
| Average equity | $23,157,500 | 2,858 |
| Average total loans | $119,847,250 | 3,115 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2955% | 1,068 |
| Cost of funding earning assets | 0.6247% | 4,679 |
| Net interest margin | 4.6708% | 714 |
| Noninterest income to average assets | 3.7137% | 197 |
| Noninterest expense to average assets | 5.2188% | 328 |
| Loan and lease loss provision to assets | 1.4802% | 247 |
| Net operating income to assets | 6.6687% | 34 |
| Return on assets (ROA) | 6.6811% | 34 |
| Pretax return on assets | 1.1629% | 3,069 |
| Return on Equity (ROE) | 43.0005% | 33 |
| Retained earnings to average equity (ytd only) | 43.0005% | 22 |
| Net charge-offs to loans | 3.3701% | 161 |
| Credit loss provision to net charge-offs | 56.2664% | 3,895 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,525 |
| Efficiency ratio | 66.4851% | 4,435 |
| Assets per employee ($millions) | 2.9849% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3894% | 543 |
| Loan loss allowance to noncurrent loans | 457.5251% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 5,270 |
| Noncurrent loans to loans | 0.7408% | 5,029 |
| Net loans and leases to total assets | 78.3813% | 681 |
| Net loans and leases to deposits | 94.1671% | 755 |
| Net loans and leases to core deposits | 103.7056% | 880 |
| Total domestic deposits to total assets | 83.2364% | 4,661 |
| Equity capital to assets | 16.3649% | 526 |
| Core capital (leverage) ratio | 16.0899% | 447 |
| Tier 1 risk-based capital ratio | 17.3617% | 2,526 |
| Total risk-based capital ratio | 18.6345% | 2,479 |
| Memoranda: |
| Average total assets | $144,976,330 | 3,921 |
| Average earning assets | $128,373,000 | 3,990 |
| Average equity | $22,525,330 | 2,918 |
| Average total loans | $113,171,000 | 3,271 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1810% | 1,357 |
| Cost of funding earning assets | 0.7122% | 4,181 |
| Net interest margin | 4.4687% | 1,071 |
| Noninterest income to average assets | 2.9879% | 244 |
| Noninterest expense to average assets | 5.2058% | 325 |
| Loan and lease loss provision to assets | 0.9969% | 416 |
| Net operating income to assets | 11.9573% | 13 |
| Return on assets (ROA) | 11.9825% | 14 |
| Pretax return on assets | 0.7813% | 4,486 |
| Return on Equity (ROE) | 79.3289% | 12 |
| Retained earnings to average equity (ytd only) | 79.3289% | 9 |
| Net charge-offs to loans | 2.6480% | 301 |
| Credit loss provision to net charge-offs | 49.2393% | 3,303 |
| Earnings coverage of net charge-offs (x) | 0.8658% | 3,898 |
| Efficiency ratio | 74.8089% | 2,975 |
| Assets per employee ($millions) | 3.1152% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2765% | 299 |
| Loan loss allowance to noncurrent loans | 81.8182% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 3.8995% | 1,429 |
| Noncurrent loans to loans | 5.2269% | 1,047 |
| Net loans and leases to total assets | 71.4145% | 1,499 |
| Net loans and leases to deposits | 86.6528% | 1,333 |
| Net loans and leases to core deposits | 91.4115% | 1,711 |
| Total domestic deposits to total assets | 82.4145% | 5,157 |
| Equity capital to assets | 16.5625% | 490 |
| Core capital (leverage) ratio | 15.7247% | 500 |
| Tier 1 risk-based capital ratio | 18.0706% | 2,258 |
| Total risk-based capital ratio | 19.3530% | 2,220 |
| Memoranda: |
| Average total assets | $142,841,500 | 3,992 |
| Average earning assets | $126,926,500 | 4,039 |
| Average equity | $21,576,000 | 3,025 |
| Average total loans | $109,214,000 | 3,371 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3119% | 1,664 |
| Cost of funding earning assets | 0.9643% | 3,614 |
| Net interest margin | 4.3475% | 1,551 |
| Noninterest income to average assets | 4.0238% | 154 |
| Noninterest expense to average assets | 5.2194% | 326 |
| Loan and lease loss provision to assets | 1.6125% | 436 |
| Net operating income to assets | 1.1250% | 1,740 |
| Return on assets (ROA) | 1.1426% | 1,803 |
| Pretax return on assets | 1.2597% | 2,273 |
| Return on Equity (ROE) | 8.6872% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.6872% | 883 |
| Net charge-offs to loans | 1.2324% | 1,357 |
| Credit loss provision to net charge-offs | 160.8631% | 1,715 |
| Earnings coverage of net charge-offs (x) | 2.8460% | 3,788 |
| Efficiency ratio | 64.6586% | 5,011 |
| Assets per employee ($millions) | 3.3901% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4288% | 270 |
| Loan loss allowance to noncurrent loans | 102.3415% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 3.3894% | 1,750 |
| Noncurrent loans to loans | 4.3275% | 1,401 |
| Net loans and leases to total assets | 74.8544% | 1,112 |
| Net loans and leases to deposits | 87.8786% | 1,395 |
| Net loans and leases to core deposits | 89.5698% | 2,184 |
| Total domestic deposits to total assets | 85.1794% | 3,753 |
| Equity capital to assets | 13.6379% | 1,197 |
| Core capital (leverage) ratio | 14.0633% | 814 |
| Tier 1 risk-based capital ratio | 16.3816% | 2,873 |
| Total risk-based capital ratio | 17.6686% | 2,823 |
| Memoranda: |
| Average total assets | $134,076,800 | 4,092 |
| Average earning assets | $124,852,800 | 4,040 |
| Average equity | $17,635,200 | 3,485 |
| Average total loans | $109,059,800 | 3,406 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3314% | 1,750 |
| Cost of funding earning assets | 1.0048% | 3,649 |
| Net interest margin | 4.3266% | 1,620 |
| Noninterest income to average assets | 4.2908% | 144 |
| Noninterest expense to average assets | 5.3645% | 274 |
| Loan and lease loss provision to assets | 1.4767% | 471 |
| Net operating income to assets | 1.3916% | 1,176 |
| Return on assets (ROA) | 1.4151% | 1,199 |
| Pretax return on assets | 1.5242% | 1,594 |
| Return on Equity (ROE) | 10.8668% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.8668% | 655 |
| Net charge-offs to loans | 1.2307% | 1,259 |
| Credit loss provision to net charge-offs | 146.0539% | 2,160 |
| Earnings coverage of net charge-offs (x) | 2.9431% | 3,672 |
| Efficiency ratio | 64.3212% | 5,010 |
| Assets per employee ($millions) | 3.2447% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1795% | 346 |
| Loan loss allowance to noncurrent loans | 175.4594% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 1.9167% | 3,240 |
| Noncurrent loans to loans | 2.3821% | 2,910 |
| Net loans and leases to total assets | 77.1009% | 827 |
| Net loans and leases to deposits | 91.2613% | 1,076 |
| Net loans and leases to core deposits | 94.7917% | 1,720 |
| Total domestic deposits to total assets | 84.4837% | 4,018 |
| Equity capital to assets | 14.1309% | 1,108 |
| Core capital (leverage) ratio | 14.4242% | 786 |
| Tier 1 risk-based capital ratio | 17.4280% | 2,477 |
| Total risk-based capital ratio | 18.7141% | 2,432 |
| Memoranda: |
| Average total assets | $132,000,250 | 4,153 |
| Average earning assets | $123,541,500 | 4,089 |
| Average equity | $17,189,500 | 3,552 |
| Average total loans | $108,445,000 | 3,453 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4422% | 1,439 |
| Cost of funding earning assets | 1.0432% | 3,650 |
| Net interest margin | 4.3990% | 1,373 |
| Noninterest income to average assets | 4.6364% | 142 |
| Noninterest expense to average assets | 5.6810% | 242 |
| Loan and lease loss provision to assets | 1.1947% | 653 |
| Net operating income to assets | 1.7070% | 591 |
| Return on assets (ROA) | 1.7293% | 610 |
| Pretax return on assets | 1.8932% | 720 |
| Return on Equity (ROE) | 13.6846% | 1,051 |
| Retained earnings to average equity (ytd only) | 13.6846% | 341 |
| Net charge-offs to loans | 1.3754% | 1,103 |
| Credit loss provision to net charge-offs | 104.9798% | 2,939 |
| Earnings coverage of net charge-offs (x) | 2.6918% | 3,492 |
| Efficiency ratio | 64.9676% | 5,068 |
| Assets per employee ($millions) | 3.5559% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0285% | 409 |
| Loan loss allowance to noncurrent loans | 828.2869% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 6,204 |
| Noncurrent loans to loans | 0.4864% | 5,933 |
| Net loans and leases to total assets | 73.3082% | 1,533 |
| Net loans and leases to deposits | 86.7414% | 1,685 |
| Net loans and leases to core deposits | 88.5109% | 2,564 |
| Total domestic deposits to total assets | 84.5135% | 4,112 |
| Equity capital to assets | 13.9812% | 1,101 |
| Core capital (leverage) ratio | 14.5441% | 756 |
| Tier 1 risk-based capital ratio | 18.1260% | 2,129 |
| Total risk-based capital ratio | 19.4103% | 2,077 |
| Memoranda: |
| Average total assets | $130,575,000 | 4,216 |
| Average earning assets | $121,936,670 | 4,148 |
| Average equity | $16,500,330 | 3,651 |
| Average total loans | $108,042,330 | 3,505 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4610% | 1,402 |
| Cost of funding earning assets | 1.0757% | 3,687 |
| Net interest margin | 4.3854% | 1,323 |
| Noninterest income to average assets | 4.0873% | 160 |
| Noninterest expense to average assets | 5.3001% | 291 |
| Loan and lease loss provision to assets | 1.8145% | 316 |
| Net operating income to assets | 1.1037% | 1,833 |
| Return on assets (ROA) | 1.1130% | 1,848 |
| Pretax return on assets | 1.1130% | 2,712 |
| Return on Equity (ROE) | 9.3306% | 2,336 |
| Retained earnings to average equity (ytd only) | 9.3306% | 1,284 |
| Net charge-offs to loans | 0.5939% | 2,010 |
| Credit loss provision to net charge-offs | 354.8780% | 927 |
| Earnings coverage of net charge-offs (x) | 5.7073% | 2,224 |
| Efficiency ratio | 64.4917% | 5,279 |
| Assets per employee ($millions) | 3.8561% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0372% | 414 |
| Loan loss allowance to noncurrent loans | 456.1809% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.7589% | 5,404 |
| Noncurrent loans to loans | 0.8850% | 5,275 |
| Net loans and leases to total assets | 82.2923% | 324 |
| Net loans and leases to deposits | 95.3286% | 732 |
| Net loans and leases to core deposits | 98.1800% | 1,509 |
| Total domestic deposits to total assets | 86.3249% | 3,327 |
| Equity capital to assets | 13.1458% | 1,315 |
| Core capital (leverage) ratio | 14.2703% | 786 |
| Tier 1 risk-based capital ratio | 15.9776% | 2,908 |
| Total risk-based capital ratio | 17.2638% | 2,870 |
| Memoranda: |
| Average total assets | $128,300,500 | 4,299 |
| Average earning assets | $120,856,000 | 4,202 |
| Average equity | $15,304,500 | 3,846 |
| Average total loans | $110,456,000 | 3,476 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0209% | 4,448 |
| Cost of funding earning assets | 1.4950% | 2,675 |
| Net interest margin | 3.5259% | 5,130 |
| Noninterest income to average assets | 1.0008% | 1,502 |
| Noninterest expense to average assets | 4.3879% | 730 |
| Loan and lease loss provision to assets | 2.6661% | 396 |
| Net operating income to assets | -2.6532% | 7,221 |
| Return on assets (ROA) | -2.6347% | 7,231 |
| Pretax return on assets | -2.6339% | 7,209 |
| Return on Equity (ROE) | -28.4870% | 7,197 |
| Retained earnings to average equity (ytd only) | -28.4870% | 7,185 |
| Net charge-offs to loans | 4.4606% | 245 |
| Credit loss provision to net charge-offs | 75.3075% | 5,722 |
| Earnings coverage of net charge-offs (x) | 0.0039% | 6,126 |
| Efficiency ratio | 99.6885% | 782 |
| Assets per employee ($millions) | 4.1831% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7988% | 472 |
| Loan loss allowance to noncurrent loans | 190.7870% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 2.0399% | 3,298 |
| Noncurrent loans to loans | 1.9911% | 3,577 |
| Net loans and leases to total assets | 83.1602% | 371 |
| Net loans and leases to deposits | 100.7375% | 538 |
| Net loans and leases to core deposits | 103.9556% | 1,316 |
| Total domestic deposits to total assets | 82.5514% | 4,996 |
| Equity capital to assets | 10.6571% | 3,013 |
| Core capital (leverage) ratio | 10.8677% | 2,255 |
| Tier 1 risk-based capital ratio | 13.7070% | 4,057 |
| Total risk-based capital ratio | 14.9935% | 4,006 |
| Memoranda: |
| Average total assets | $123,999,800 | 4,401 |
| Average earning assets | $119,599,000 | 4,240 |
| Average equity | $11,468,400 | 4,742 |
| Average total loans | $98,418,000 | 3,844 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0511% | 4,584 |
| Cost of funding earning assets | 1.5659% | 2,576 |
| Net interest margin | 3.4852% | 5,359 |
| Noninterest income to average assets | 0.8229% | 2,115 |
| Noninterest expense to average assets | 4.4100% | 659 |
| Loan and lease loss provision to assets | 2.6552% | 374 |
| Net operating income to assets | -2.8828% | 7,429 |
| Return on assets (ROA) | -2.8580% | 7,438 |
| Pretax return on assets | -2.8569% | 7,389 |
| Return on Equity (ROE) | -32.1438% | 7,414 |
| Retained earnings to average equity (ytd only) | -32.1438% | 7,408 |
| Net charge-offs to loans | 4.9883% | 178 |
| Credit loss provision to net charge-offs | 68.6176% | 5,454 |
| Earnings coverage of net charge-offs (x) | -0.0585% | 6,078 |
| Efficiency ratio | 105.4138% | 608 |
| Assets per employee ($millions) | 4.2275% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2792% | 290 |
| Loan loss allowance to noncurrent loans | 142.5376% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 2.8206% | 2,577 |
| Noncurrent loans to loans | 3.0022% | 2,654 |
| Net loans and leases to total assets | 74.4058% | 1,714 |
| Net loans and leases to deposits | 83.9036% | 2,722 |
| Net loans and leases to core deposits | 87.9373% | 3,376 |
| Total domestic deposits to total assets | 88.6801% | 1,573 |
| Equity capital to assets | 10.4953% | 3,525 |
| Core capital (leverage) ratio | 10.3212% | 2,887 |
| Tier 1 risk-based capital ratio | 13.2161% | 4,410 |
| Total risk-based capital ratio | 14.5024% | 4,355 |
| Memoranda: |
| Average total assets | $123,626,250 | 4,465 |
| Average earning assets | $119,204,500 | 4,304 |
| Average equity | $10,992,000 | 4,927 |
| Average total loans | $95,902,000 | 3,971 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0610% | 4,654 |
| Cost of funding earning assets | 1.6280% | 2,492 |
| Net interest margin | 3.4330% | 5,504 |
| Noninterest income to average assets | 0.5034% | 4,093 |
| Noninterest expense to average assets | 3.8203% | 1,331 |
| Loan and lease loss provision to assets | 3.5912% | 240 |
| Net operating income to assets | -3.5928% | 7,586 |
| Return on assets (ROA) | -3.5735% | 7,590 |
| Pretax return on assets | -3.5719% | 7,554 |
| Return on Equity (ROE) | -42.7317% | 7,551 |
| Retained earnings to average equity (ytd only) | -42.7317% | 7,543 |
| Net charge-offs to loans | 7.2609% | 81 |
| Credit loss provision to net charge-offs | 63.8005% | 5,120 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,715 |
| Efficiency ratio | 100.0000% | 801 |
| Assets per employee ($millions) | 4.4558% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2452% | 303 |
| Loan loss allowance to noncurrent loans | 113.7413% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 2.9344% | 2,450 |
| Noncurrent loans to loans | 3.7323% | 2,085 |
| Net loans and leases to total assets | 71.2324% | 2,605 |
| Net loans and leases to deposits | 78.7424% | 3,842 |
| Net loans and leases to core deposits | 82.6161% | 4,328 |
| Total domestic deposits to total assets | 90.4626% | 699 |
| Equity capital to assets | 9.0548% | 5,360 |
| Core capital (leverage) ratio | 8.8580% | 4,820 |
| Tier 1 risk-based capital ratio | 11.4923% | 5,779 |
| Total risk-based capital ratio | 12.7767% | 5,719 |
| Memoranda: |
| Average total assets | $123,969,000 | 4,490 |
| Average earning assets | $119,778,000 | 4,315 |
| Average equity | $10,367,000 | 5,095 |
| Average total loans | $96,103,330 | 4,013 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3493% | 3,302 |
| Cost of funding earning assets | 1.7075% | 2,354 |
| Net interest margin | 3.6418% | 4,532 |
| Noninterest income to average assets | 0.4920% | 4,109 |
| Noninterest expense to average assets | 3.7160% | 1,486 |
| Loan and lease loss provision to assets | 0.6506% | 1,953 |
| Net operating income to assets | -0.3399% | 6,702 |
| Return on assets (ROA) | -0.3205% | 6,736 |
| Pretax return on assets | -0.3205% | 6,658 |
| Return on Equity (ROE) | -3.9992% | 6,820 |
| Retained earnings to average equity (ytd only) | -3.9992% | 6,495 |
| Net charge-offs to loans | 3.0118% | 512 |
| Credit loss provision to net charge-offs | 27.3098% | 4,857 |
| Earnings coverage of net charge-offs (x) | 0.1304% | 4,913 |
| Efficiency ratio | 92.2830% | 1,257 |
| Assets per employee ($millions) | 5.0794% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7877% | 203 |
| Loan loss allowance to noncurrent loans | 103.3422% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 3.7131% | 1,884 |
| Noncurrent loans to loans | 4.6328% | 1,603 |
| Net loans and leases to total assets | 73.1210% | 2,173 |
| Net loans and leases to deposits | 79.7211% | 3,708 |
| Net loans and leases to core deposits | 83.8574% | 4,221 |
| Total domestic deposits to total assets | 91.7210% | 317 |
| Equity capital to assets | 7.7695% | 6,869 |
| Core capital (leverage) ratio | 8.0107% | 6,226 |
| Tier 1 risk-based capital ratio | 9.5973% | 7,251 |
| Total risk-based capital ratio | 10.8881% | 7,227 |
| Memoranda: |
| Average total assets | $123,572,500 | 4,552 |
| Average earning assets | $119,940,000 | 4,375 |
| Average equity | $9,902,000 | 5,266 |
| Average total loans | $97,749,500 | 4,030 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5861% | 3,681 |
| Cost of funding earning assets | 2.5681% | 856 |
| Net interest margin | 3.0179% | 6,602 |
| Noninterest income to average assets | 0.4445% | 4,845 |
| Noninterest expense to average assets | 4.1401% | 1,173 |
| Loan and lease loss provision to assets | 3.4306% | 457 |
| Net operating income to assets | -4.2118% | 7,641 |
| Return on assets (ROA) | -4.1902% | 7,635 |
| Pretax return on assets | -4.1894% | 7,571 |
| Return on Equity (ROE) | -39.7954% | 7,567 |
| Retained earnings to average equity (ytd only) | -39.7954% | 7,552 |
| Net charge-offs to loans | 1.8220% | 1,368 |
| Credit loss provision to net charge-offs | 237.1140% | 1,525 |
| Earnings coverage of net charge-offs (x) | -0.5394% | 6,715 |
| Efficiency ratio | 123.2286% | 557 |
| Assets per employee ($millions) | 5.4619% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 5.3114% | 139 |
| Loan loss allowance to noncurrent loans | 73.2648% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 6.0752% | 926 |
| Noncurrent loans to loans | 7.2496% | 745 |
| Net loans and leases to total assets | 77.2081% | 1,545 |
| Net loans and leases to deposits | 84.8103% | 3,118 |
| Net loans and leases to core deposits | 127.4316% | 1,418 |
| Total domestic deposits to total assets | 91.0362% | 523 |
| Equity capital to assets | 8.2706% | 6,241 |
| Core capital (leverage) ratio | 7.8403% | 6,403 |
| Tier 1 risk-based capital ratio | 9.8509% | 6,985 |
| Total risk-based capital ratio | 11.1498% | 6,930 |
| Memoranda: |
| Average total assets | $129,802,400 | 4,338 |
| Average earning assets | $125,383,200 | 4,184 |
| Average equity | $13,667,400 | 4,345 |
| Average total loans | $103,075,200 | 3,869 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6130% | 3,787 |
| Cost of funding earning assets | 2.6535% | 901 |
| Net interest margin | 2.9596% | 6,707 |
| Noninterest income to average assets | 0.4296% | 5,053 |
| Noninterest expense to average assets | 3.6728% | 1,882 |
| Loan and lease loss provision to assets | 1.0821% | 1,803 |
| Net operating income to assets | -1.4683% | 7,091 |
| Return on assets (ROA) | -1.4401% | 7,079 |
| Pretax return on assets | -1.4401% | 6,928 |
| Return on Equity (ROE) | -13.0410% | 7,077 |
| Retained earnings to average equity (ytd only) | -13.0410% | 7,011 |
| Net charge-offs to loans | 0.6325% | 2,785 |
| Credit loss provision to net charge-offs | 216.7677% | 2,026 |
| Earnings coverage of net charge-offs (x) | -0.7737% | 6,585 |
| Efficiency ratio | 111.7521% | 736 |
| Assets per employee ($millions) | 5.2737% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1907% | 568 |
| Loan loss allowance to noncurrent loans | 60.9001% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 4.6062% | 1,311 |
| Noncurrent loans to loans | 5.2392% | 1,225 |
| Net loans and leases to total assets | 76.8782% | 1,808 |
| Net loans and leases to deposits | 87.0846% | 3,131 |
| Net loans and leases to core deposits | 128.7005% | 1,524 |
| Total domestic deposits to total assets | 88.2799% | 1,526 |
| Equity capital to assets | 10.9987% | 3,005 |
| Core capital (leverage) ratio | 10.3787% | 2,901 |
| Tier 1 risk-based capital ratio | 13.1526% | 4,082 |
| Total risk-based capital ratio | 14.4247% | 4,007 |
| Memoranda: |
| Average total assets | $132,212,750 | 4,315 |
| Average earning assets | $127,628,500 | 4,160 |
| Average equity | $14,599,750 | 4,168 |
| Average total loans | $104,349,500 | 3,866 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6142% | 3,999 |
| Cost of funding earning assets | 2.7399% | 931 |
| Net interest margin | 2.8743% | 6,858 |
| Noninterest income to average assets | 0.3863% | 5,408 |
| Noninterest expense to average assets | 3.8048% | 1,651 |
| Loan and lease loss provision to assets | 0.7472% | 2,194 |
| Net operating income to assets | -1.3901% | 7,195 |
| Return on assets (ROA) | -1.3483% | 7,187 |
| Pretax return on assets | -1.3483% | 7,012 |
| Return on Equity (ROE) | -12.1948% | 7,184 |
| Retained earnings to average equity (ytd only) | -12.1948% | 7,066 |
| Net charge-offs to loans | 0.0814% | 5,391 |
| Credit loss provision to net charge-offs | 1,165.1163% | 429 |
| Earnings coverage of net charge-offs (x) | -10.0233% | 6,527 |
| Efficiency ratio | 120.3302% | 660 |
| Assets per employee ($millions) | 5.1542% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8938% | 619 |
| Loan loss allowance to noncurrent loans | 104.2891% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 2.5330% | 2,542 |
| Noncurrent loans to loans | 2.7748% | 2,593 |
| Net loans and leases to total assets | 74.4609% | 2,580 |
| Net loans and leases to deposits | 83.6532% | 3,947 |
| Net loans and leases to core deposits | 127.3342% | 1,758 |
| Total domestic deposits to total assets | 89.0114% | 1,266 |
| Equity capital to assets | 10.2887% | 3,626 |
| Core capital (leverage) ratio | 10.4510% | 2,860 |
| Tier 1 risk-based capital ratio | 12.6849% | 4,368 |
| Total risk-based capital ratio | 13.9543% | 4,268 |
| Memoranda: |
| Average total assets | $134,094,000 | 4,298 |
| Average earning assets | $129,494,000 | 4,145 |
| Average equity | $14,826,000 | 4,140 |
| Average total loans | $105,629,000 | 3,867 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6684% | 3,950 |
| Cost of funding earning assets | 2.8342% | 903 |
| Net interest margin | 2.8342% | 6,916 |
| Noninterest income to average assets | 0.3405% | 5,732 |
| Noninterest expense to average assets | 3.6121% | 1,843 |
| Loan and lease loss provision to assets | 1.0733% | 1,220 |
| Net operating income to assets | -1.6084% | 7,545 |
| Return on assets (ROA) | -1.6023% | 7,545 |
| Pretax return on assets | -1.6023% | 7,405 |
| Return on Equity (ROE) | -13.9788% | 7,563 |
| Retained earnings to average equity (ytd only) | -13.9788% | 7,378 |
| Net charge-offs to loans | 0.1332% | 3,894 |
| Credit loss provision to net charge-offs | 1,008.5714% | 609 |
| Earnings coverage of net charge-offs (x) | -5.0286% | 5,568 |
| Efficiency ratio | 117.3913% | 671 |
| Assets per employee ($millions) | 5.5100% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7369% | 606 |
| Loan loss allowance to noncurrent loans | 1,203.2653% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 5,575 |
| Noncurrent loans to loans | 0.2275% | 6,885 |
| Net loans and leases to total assets | 79.2220% | 1,535 |
| Net loans and leases to deposits | 91.6122% | 2,671 |
| Net loans and leases to core deposits | 144.1105% | 930 |
| Total domestic deposits to total assets | 86.4755% | 2,459 |
| Equity capital to assets | 11.1992% | 2,812 |
| Core capital (leverage) ratio | 11.0813% | 2,444 |
| Tier 1 risk-based capital ratio | 13.0661% | 4,148 |
| Total risk-based capital ratio | 14.3312% | 4,045 |
| Memoranda: |
| Average total assets | $131,559,500 | 4,383 |
| Average earning assets | $127,019,500 | 4,220 |
| Average equity | $15,080,000 | 4,126 |
| Average total loans | $105,088,500 | 3,902 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7486% | 1,868 |
| Cost of funding earning assets | 3.6929% | 276 |
| Net interest margin | 3.0557% | 6,774 |
| Noninterest income to average assets | 0.3809% | 5,637 |
| Noninterest expense to average assets | 4.1352% | 1,222 |
| Loan and lease loss provision to assets | 1.3609% | 1,029 |
| Net operating income to assets | -2.1681% | 7,639 |
| Return on assets (ROA) | -2.1646% | 7,599 |
| Pretax return on assets | -2.1639% | 7,492 |
| Return on Equity (ROE) | -20.7779% | 7,775 |
| Retained earnings to average equity (ytd only) | -20.7779% | 7,699 |
| Net charge-offs to loans | 1.7317% | 638 |
| Credit loss provision to net charge-offs | 98.8642% | 5,422 |
| Earnings coverage of net charge-offs (x) | -0.5860% | 6,507 |
| Efficiency ratio | 124.2314% | 526 |
| Assets per employee ($millions) | 4.6742% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5658% | 638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 5,849 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 76.2817% | 2,546 |
| Net loans and leases to deposits | 87.1146% | 3,925 |
| Net loans and leases to core deposits | 131.8594% | 1,732 |
| Total domestic deposits to total assets | 87.5648% | 1,686 |
| Equity capital to assets | 11.7285% | 2,482 |
| Core capital (leverage) ratio | 11.8387% | 2,063 |
| Tier 1 risk-based capital ratio | 14.1359% | 3,478 |
| Total risk-based capital ratio | 15.4013% | 3,394 |
| Memoranda: |
| Average total assets | $140,719,600 | 4,069 |
| Average earning assets | $135,746,200 | 3,937 |
| Average equity | $14,659,800 | 4,203 |
| Average total loans | $111,854,000 | 3,640 |
