Home > Pinnacle Bank > Performance and Condition Ratios
Pinnacle Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2661% | 2,602 |
| Cost of funding earning assets | 1.4003% | 3,522 |
| Net interest margin | 3.8658% | 1,405 |
| Noninterest income to average assets | 1.0500% | 574 |
| Noninterest expense to average assets | 3.0091% | 1,128 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.2194% | 1,460 |
| Return on assets (ROA) | 1.2181% | 1,472 |
| Pretax return on assets | 1.5707% | 1,160 |
| Return on Equity (ROE) | 14.0800% | 1,106 |
| Retained earnings to average equity (ytd only) | 7.3212% | 1,326 |
| Net charge-offs to loans | 0.0581% | 1,547 |
| Credit loss provision to net charge-offs | 101.1236% | 1,876 |
| Earnings coverage of net charge-offs (x) | 39.0820% | 1,366 |
| Efficiency ratio | 64.5909% | 2,659 |
| Assets per employee ($millions) | 6.0213% | 2,866 |
| Cash dividends to net income (ytd only)* | 48.0018% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 1,687 |
| Loan loss allowance to noncurrent loans | 1,695.8194% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,155 |
| Noncurrent loans to loans | 0.0765% | 3,259 |
| Net loans and leases to total assets | 70.3800% | 1,846 |
| Net loans and leases to deposits | 77.9955% | 2,288 |
| Net loans and leases to core deposits | 82.4665% | 2,598 |
| Total domestic deposits to total assets | 90.2400% | 742 |
| Equity capital to assets | 8.7772% | 2,991 |
| Core capital (leverage) ratio | 9.2747% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8866% | 2,261 |
| Memoranda: | ||
| Average total assets | $2,154,907,800 | 552 |
| Average earning assets | $1,989,559,600 | 540 |
| Average equity | $186,431,400 | 615 |
| Average total loans | $1,531,563,800 | 530 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2321% | 2,592 |
| Cost of funding earning assets | 1.4081% | 3,501 |
| Net interest margin | 3.8240% | 1,426 |
| Noninterest income to average assets | 1.0100% | 583 |
| Noninterest expense to average assets | 2.9889% | 1,124 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.1679% | 1,582 |
| Return on assets (ROA) | 1.1693% | 1,581 |
| Pretax return on assets | 1.5002% | 1,304 |
| Return on Equity (ROE) | 13.5700% | 1,238 |
| Retained earnings to average equity (ytd only) | 7.0779% | 1,715 |
| Net charge-offs to loans | 0.0641% | 1,267 |
| Credit loss provision to net charge-offs | 122.7831% | 1,472 |
| Earnings coverage of net charge-offs (x) | 34.1269% | 1,434 |
| Efficiency ratio | 65.2798% | 2,556 |
| Assets per employee ($millions) | 6.1941% | 2,719 |
| Cash dividends to net income (ytd only)* | 47.8265% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 1,547 |
| Loan loss allowance to noncurrent loans | 1,182.8125% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 3,144 |
| Noncurrent loans to loans | 0.1136% | 3,116 |
| Net loans and leases to total assets | 70.4500% | 1,790 |
| Net loans and leases to deposits | 79.4931% | 2,233 |
| Net loans and leases to core deposits | 83.7991% | 2,584 |
| Total domestic deposits to total assets | 88.6300% | 1,039 |
| Equity capital to assets | 9.2609% | 2,842 |
| Core capital (leverage) ratio | 9.1735% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9609% | 2,255 |
| Memoranda: | ||
| Average total assets | $2,145,697,500 | 547 |
| Average earning assets | $1,982,522,000 | 536 |
| Average equity | $184,945,750 | 607 |
| Average total loans | $1,523,741,000 | 527 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1711% | 2,612 |
| Cost of funding earning assets | 1.3698% | 3,516 |
| Net interest margin | 3.8013% | 1,424 |
| Noninterest income to average assets | 0.8400% | 802 |
| Noninterest expense to average assets | 2.9147% | 1,225 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 1.0586% | 1,827 |
| Return on assets (ROA) | 1.0551% | 1,842 |
| Pretax return on assets | 1.3520% | 1,583 |
| Return on Equity (ROE) | 12.5500% | 1,471 |
| Retained earnings to average equity (ytd only) | 5.9131% | 2,036 |
| Net charge-offs to loans | 0.0542% | 1,243 |
| Credit loss provision to net charge-offs | 217.9177% | 965 |
| Earnings coverage of net charge-offs (x) | 37.4964% | 1,287 |
| Efficiency ratio | 66.4033% | 2,501 |
| Assets per employee ($millions) | 6.4201% | 2,469 |
| Cash dividends to net income (ytd only)* | 52.8821% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 1,511 |
| Loan loss allowance to noncurrent loans | 2,562.8395% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,435 |
| Noncurrent loans to loans | 0.0530% | 3,398 |
| Net loans and leases to total assets | 69.8800% | 1,913 |
| Net loans and leases to deposits | 78.1227% | 2,366 |
| Net loans and leases to core deposits | 81.8594% | 2,679 |
| Total domestic deposits to total assets | 89.4500% | 860 |
| Equity capital to assets | 8.4484% | 3,130 |
| Core capital (leverage) ratio | 8.8454% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6745% | 2,367 |
| Memoranda: | ||
| Average total assets | $2,150,677,000 | 551 |
| Average earning assets | $1,986,535,667 | 539 |
| Average equity | $180,818,667 | 619 |
| Average total loans | $1,524,441,333 | 526 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0752% | 2,635 |
| Cost of funding earning assets | 1.3234% | 3,521 |
| Net interest margin | 3.7518% | 1,440 |
| Noninterest income to average assets | 0.8100% | 802 |
| Noninterest expense to average assets | 2.8629% | 1,316 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 1.0394% | 1,837 |
| Return on assets (ROA) | 1.0310% | 1,857 |
| Pretax return on assets | 1.3197% | 1,594 |
| Return on Equity (ROE) | 12.2900% | 1,485 |
| Retained earnings to average equity (ytd only) | 5.6300% | 2,219 |
| Net charge-offs to loans | 0.0420% | 1,114 |
| Credit loss provision to net charge-offs | 281.2500% | 691 |
| Earnings coverage of net charge-offs (x) | 47.4500% | 980 |
| Efficiency ratio | 66.3967% | 2,569 |
| Assets per employee ($millions) | 6.4707% | 2,476 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 1,549 |
| Loan loss allowance to noncurrent loans | 2,684.2037% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,194 |
| Noncurrent loans to loans | 0.0505% | 3,391 |
| Net loans and leases to total assets | 68.8400% | 1,922 |
| Net loans and leases to deposits | 78.0286% | 2,235 |
| Net loans and leases to core deposits | 81.8203% | 2,589 |
| Total domestic deposits to total assets | 88.2300% | 1,341 |
| Equity capital to assets | 8.2817% | 3,176 |
| Core capital (leverage) ratio | 8.7837% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5204% | 2,418 |
| Memoranda: | ||
| Average total assets | $2,147,439,500 | 562 |
| Average earning assets | $1,983,680,000 | 548 |
| Average equity | $180,106,000 | 625 |
| Average total loans | $1,522,531,000 | 528 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 2,482 |
| Cost of funding earning assets | 0.8013% | 3,727 |
| Net interest margin | 3.9925% | 1,219 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 2.9790% | 1,152 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.0406% | 2,093 |
| Return on assets (ROA) | 0.9970% | 2,214 |
| Pretax return on assets | 1.2787% | 1,931 |
| Return on Equity (ROE) | 12.3700% | 1,871 |
| Retained earnings to average equity (ytd only) | 5.1713% | 2,550 |
| Net charge-offs to loans | 0.0404% | 1,504 |
| Credit loss provision to net charge-offs | 605.1667% | 585 |
| Earnings coverage of net charge-offs (x) | 53.3067% | 1,258 |
| Efficiency ratio | 65.0579% | 2,470 |
| Assets per employee ($millions) | 6.0940% | 2,741 |
| Cash dividends to net income (ytd only)* | 58.1824% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 1,658 |
| Loan loss allowance to noncurrent loans | 1,527.5810% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 3,155 |
| Noncurrent loans to loans | 0.0869% | 3,109 |
| Net loans and leases to total assets | 71.0800% | 1,685 |
| Net loans and leases to deposits | 80.6980% | 2,050 |
| Net loans and leases to core deposits | 84.4133% | 2,425 |
| Total domestic deposits to total assets | 88.0900% | 1,320 |
| Equity capital to assets | 8.4950% | 3,057 |
| Core capital (leverage) ratio | 8.8100% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2332% | 2,516 |
| Memoranda: | ||
| Average total assets | $2,066,037,200 | 558 |
| Average earning assets | $1,898,328,000 | 551 |
| Average equity | $166,573,400 | 619 |
| Average total loans | $1,485,372,200 | 515 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 2,426 |
| Cost of funding earning assets | 0.6507% | 3,865 |
| Net interest margin | 4.0716% | 1,115 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 3.0588% | 978 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.0253% | 2,286 |
| Return on assets (ROA) | 1.0001% | 2,354 |
| Pretax return on assets | 1.2810% | 2,094 |
| Return on Equity (ROE) | 12.5800% | 1,984 |
| Retained earnings to average equity (ytd only) | 2.7863% | 3,559 |
| Net charge-offs to loans | 0.0410% | 1,302 |
| Credit loss provision to net charge-offs | 553.2009% | 592 |
| Earnings coverage of net charge-offs (x) | 51.8962% | 1,295 |
| Efficiency ratio | 65.9131% | 2,287 |
| Assets per employee ($millions) | 6.1412% | 2,619 |
| Cash dividends to net income (ytd only)* | 77.8500% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,018 |
| Loan loss allowance to noncurrent loans | 1,309.7760% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,132 |
| Noncurrent loans to loans | 0.0968% | 3,096 |
| Net loans and leases to total assets | 72.3700% | 1,528 |
| Net loans and leases to deposits | 81.7562% | 1,918 |
| Net loans and leases to core deposits | 85.1764% | 2,244 |
| Total domestic deposits to total assets | 88.5200% | 1,403 |
| Equity capital to assets | 7.4809% | 3,362 |
| Core capital (leverage) ratio | 8.7095% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6259% | 2,702 |
| Memoranda: | ||
| Average total assets | $2,052,366,750 | 563 |
| Average earning assets | $1,882,738,500 | 554 |
| Average equity | $163,178,000 | 625 |
| Average total loans | $1,474,778,250 | 519 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 2,356 |
| Cost of funding earning assets | 0.4696% | 4,037 |
| Net interest margin | 4.1579% | 991 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 3.0697% | 938 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.0922% | 2,144 |
| Return on assets (ROA) | 1.0614% | 2,228 |
| Pretax return on assets | 1.3431% | 1,957 |
| Return on Equity (ROE) | 13.0900% | 1,882 |
| Retained earnings to average equity (ytd only) | 3.4389% | 3,367 |
| Net charge-offs to loans | 0.0350% | 1,198 |
| Credit loss provision to net charge-offs | 541.5686% | 620 |
| Earnings coverage of net charge-offs (x) | 63.9373% | 1,164 |
| Efficiency ratio | 65.0330% | 2,372 |
| Assets per employee ($millions) | 5.8876% | 2,806 |
| Cash dividends to net income (ytd only)* | 73.7259% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,256 |
| Loan loss allowance to noncurrent loans | 1,525.4983% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 3,176 |
| Noncurrent loans to loans | 0.0809% | 3,109 |
| Net loans and leases to total assets | 71.9100% | 1,542 |
| Net loans and leases to deposits | 81.4855% | 1,874 |
| Net loans and leases to core deposits | 83.7206% | 2,225 |
| Total domestic deposits to total assets | 88.2500% | 1,514 |
| Equity capital to assets | 8.1666% | 3,104 |
| Core capital (leverage) ratio | 8.7094% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7284% | 2,704 |
| Memoranda: | ||
| Average total assets | $2,044,584,333 | 552 |
| Average earning assets | $1,875,041,667 | 546 |
| Average equity | $165,810,000 | 619 |
| Average total loans | $1,459,213,333 | 512 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 2,273 |
| Cost of funding earning assets | 0.2339% | 4,320 |
| Net interest margin | 4.2837% | 828 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 3.0232% | 1,026 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 1.2243% | 1,876 |
| Return on assets (ROA) | 1.1613% | 2,006 |
| Pretax return on assets | 1.4847% | 1,706 |
| Return on Equity (ROE) | 14.3700% | 1,698 |
| Retained earnings to average equity (ytd only) | 4.6899% | 3,089 |
| Net charge-offs to loans | 0.0401% | 961 |
| Credit loss provision to net charge-offs | 176.5517% | 877 |
| Earnings coverage of net charge-offs (x) | 62.9310% | 996 |
| Efficiency ratio | 62.1298% | 2,678 |
| Assets per employee ($millions) | 6.1072% | 2,674 |
| Cash dividends to net income (ytd only)* | 67.3627% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,642 |
| Loan loss allowance to noncurrent loans | 990.9766% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 2,949 |
| Noncurrent loans to loans | 0.1195% | 2,921 |
| Net loans and leases to total assets | 70.5900% | 1,565 |
| Net loans and leases to deposits | 78.5559% | 1,924 |
| Net loans and leases to core deposits | 80.0943% | 2,247 |
| Total domestic deposits to total assets | 89.8600% | 1,209 |
| Equity capital to assets | 8.2656% | 3,067 |
| Core capital (leverage) ratio | 8.6591% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7115% | 2,810 |
| Memoranda: | ||
| Average total assets | $2,045,372,000 | 566 |
| Average earning assets | $1,875,836,000 | 554 |
| Average equity | $165,293,000 | 631 |
| Average total loans | $1,445,050,000 | 528 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 1,962 |
| Cost of funding earning assets | 0.0678% | 4,514 |
| Net interest margin | 3.8414% | 1,081 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.7155% | 1,518 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.1953% | 1,791 |
| Return on assets (ROA) | 1.1786% | 1,796 |
| Pretax return on assets | 1.4961% | 1,465 |
| Return on Equity (ROE) | 14.4700% | 1,414 |
| Retained earnings to average equity (ytd only) | 14.4710% | 332 |
| Net charge-offs to loans | 0.0479% | 1,202 |
| Credit loss provision to net charge-offs | 598.0861% | 605 |
| Earnings coverage of net charge-offs (x) | 55.1994% | 1,305 |
| Efficiency ratio | 60.7366% | 2,953 |
| Assets per employee ($millions) | 5.9612% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,413 |
| Loan loss allowance to noncurrent loans | 5,156.6667% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,690 |
| Noncurrent loans to loans | 0.0232% | 3,630 |
| Net loans and leases to total assets | 69.0300% | 1,727 |
| Net loans and leases to deposits | 75.6458% | 2,125 |
| Net loans and leases to core deposits | 76.9996% | 2,354 |
| Total domestic deposits to total assets | 91.2500% | 859 |
| Equity capital to assets | 7.8958% | 3,124 |
| Core capital (leverage) ratio | 8.6145% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7956% | 2,789 |
| Memoranda: | ||
| Average total assets | $2,033,981,200 | 540 |
| Average earning assets | $1,872,697,800 | 532 |
| Average equity | $165,655,800 | 622 |
| Average total loans | $1,308,678,800 | 536 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 1,939 |
| Cost of funding earning assets | 0.0524% | 4,569 |
| Net interest margin | 3.6840% | 1,177 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 2.6612% | 1,559 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.1483% | 1,897 |
| Return on assets (ROA) | 1.1472% | 1,874 |
| Pretax return on assets | 1.4482% | 1,559 |
| Return on Equity (ROE) | 13.9800% | 1,436 |
| Retained earnings to average equity (ytd only) | 13.9783% | 468 |
| Net charge-offs to loans | 0.0633% | 857 |
| Credit loss provision to net charge-offs | 431.7434% | 673 |
| Earnings coverage of net charge-offs (x) | 40.6661% | 1,381 |
| Efficiency ratio | 61.4000% | 2,916 |
| Assets per employee ($millions) | 6.1155% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 2,818 |
| Loan loss allowance to noncurrent loans | 1,108.0084% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 2,761 |
| Noncurrent loans to loans | 0.1033% | 3,141 |
| Net loans and leases to total assets | 67.8900% | 1,685 |
| Net loans and leases to deposits | 74.4170% | 2,012 |
| Net loans and leases to core deposits | 75.8323% | 2,207 |
| Total domestic deposits to total assets | 91.2300% | 1,144 |
| Equity capital to assets | 7.3779% | 3,284 |
| Core capital (leverage) ratio | 8.3103% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4925% | 2,951 |
| Memoranda: | ||
| Average total assets | $2,032,791,750 | 540 |
| Average earning assets | $1,873,770,000 | 533 |
| Average equity | $166,826,000 | 622 |
| Average total loans | $1,279,777,250 | 543 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5264% | 2,052 |
| Cost of funding earning assets | 0.0519% | 4,586 |
| Net interest margin | 3.4745% | 1,383 |
| Noninterest income to average assets | 0.9132% | 818 |
| Noninterest expense to average assets | 2.6245% | 1,567 |
| Loan and lease loss provision to assets | 0.1474% | 649 |
| Net operating income to assets | 1.0815% | 1,852 |
| Return on assets (ROA) | 1.0828% | 1,824 |
| Pretax return on assets | 1.3558% | 1,568 |
| Return on Equity (ROE) | 12.7667% | 1,445 |
| Retained earnings to average equity (ytd only) | 12.7667% | 496 |
| Net charge-offs to loans | 0.0467% | 926 |
| Credit loss provision to net charge-offs | 517.2414% | 617 |
| Earnings coverage of net charge-offs (x) | 52.7000% | 1,140 |
| Efficiency ratio | 62.8607% | 2,933 |
| Assets per employee ($millions) | 6.4965% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,930 |
| Loan loss allowance to noncurrent loans | 888.4706% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 2,782 |
| Noncurrent loans to loans | 0.1293% | 3,074 |
| Net loans and leases to total assets | 63.7051% | 1,941 |
| Net loans and leases to deposits | 69.7872% | 2,229 |
| Net loans and leases to core deposits | 71.2387% | 2,395 |
| Total domestic deposits to total assets | 91.2847% | 1,110 |
| Equity capital to assets | 7.8623% | 3,229 |
| Core capital (leverage) ratio | 8.0425% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7060% | 2,881 |
| Memoranda: | ||
| Average total assets | $2,035,648,000 | 541 |
| Average earning assets | $1,882,327,667 | 533 |
| Average equity | $172,652,667 | 613 |
| Average total loans | $1,242,957,333 | 550 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3608% | 2,209 |
| Cost of funding earning assets | 0.0532% | 4,573 |
| Net interest margin | 3.3076% | 1,550 |
| Noninterest income to average assets | 0.9587% | 741 |
| Noninterest expense to average assets | 2.5990% | 1,603 |
| Loan and lease loss provision to assets | 0.1475% | 538 |
| Net operating income to assets | 1.0124% | 1,823 |
| Return on assets (ROA) | 1.0124% | 1,818 |
| Pretax return on assets | 1.2805% | 1,563 |
| Return on Equity (ROE) | 11.5153% | 1,449 |
| Retained earnings to average equity (ytd only) | 11.5153% | 675 |
| Net charge-offs to loans | 0.0596% | 716 |
| Credit loss provision to net charge-offs | 416.6667% | 574 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 1,003 |
| Efficiency ratio | 63.7718% | 3,055 |
| Assets per employee ($millions) | 6.7260% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,966 |
| Loan loss allowance to noncurrent loans | 673.9981% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 2,720 |
| Noncurrent loans to loans | 0.1750% | 2,945 |
| Net loans and leases to total assets | 58.8741% | 2,198 |
| Net loans and leases to deposits | 64.9284% | 2,440 |
| Net loans and leases to core deposits | 66.4217% | 2,596 |
| Total domestic deposits to total assets | 90.6755% | 1,197 |
| Equity capital to assets | 8.2681% | 3,348 |
| Core capital (leverage) ratio | 7.9333% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0847% | 2,873 |
| Memoranda: | ||
| Average total assets | $2,033,527,000 | 545 |
| Average earning assets | $1,886,447,500 | 539 |
| Average equity | $178,787,500 | 606 |
| Average total loans | $1,207,127,500 | 559 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 1,702 |
| Cost of funding earning assets | 0.1101% | 4,307 |
| Net interest margin | 3.7590% | 1,087 |
| Noninterest income to average assets | 0.9260% | 1,143 |
| Noninterest expense to average assets | 2.8076% | 1,343 |
| Loan and lease loss provision to assets | 0.1763% | 653 |
| Net operating income to assets | 1.1184% | 2,218 |
| Return on assets (ROA) | 1.1267% | 2,242 |
| Pretax return on assets | 1.4354% | 1,929 |
| Return on Equity (ROE) | 11.5637% | 1,962 |
| Retained earnings to average equity (ytd only) | 9.8599% | 952 |
| Net charge-offs to loans | 0.0605% | 1,177 |
| Credit loss provision to net charge-offs | 451.8072% | 851 |
| Earnings coverage of net charge-offs (x) | 41.0377% | 1,423 |
| Efficiency ratio | 63.1146% | 2,694 |
| Assets per employee ($millions) | 6.5013% | 2,332 |
| Cash dividends to net income (ytd only)* | 14.7343% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 3,024 |
| Loan loss allowance to noncurrent loans | 688.1625% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 2,894 |
| Noncurrent loans to loans | 0.1699% | 3,098 |
| Net loans and leases to total assets | 58.4487% | 2,324 |
| Net loans and leases to deposits | 65.0813% | 2,591 |
| Net loans and leases to core deposits | 66.7141% | 2,759 |
| Total domestic deposits to total assets | 89.8088% | 1,062 |
| Equity capital to assets | 9.3287% | 3,288 |
| Core capital (leverage) ratio | 8.2018% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7163% | 2,949 |
| Memoranda: | ||
| Average total assets | $1,701,748,400 | 616 |
| Average earning assets | $1,576,733,800 | 606 |
| Average equity | $165,803,400 | 655 |
| Average total loans | $1,097,131,600 | 607 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 1,598 |
| Cost of funding earning assets | 0.1208% | 4,347 |
| Net interest margin | 3.8546% | 1,019 |
| Noninterest income to average assets | 0.9479% | 1,154 |
| Noninterest expense to average assets | 2.8616% | 1,202 |
| Loan and lease loss provision to assets | 0.1846% | 574 |
| Net operating income to assets | 1.1398% | 2,403 |
| Return on assets (ROA) | 1.1580% | 2,392 |
| Pretax return on assets | 1.4918% | 2,017 |
| Return on Equity (ROE) | 11.7310% | 2,136 |
| Retained earnings to average equity (ytd only) | 10.6296% | 1,141 |
| Net charge-offs to loans | 0.0513% | 1,154 |
| Credit loss provision to net charge-offs | 544.7942% | 733 |
| Earnings coverage of net charge-offs (x) | 48.7893% | 1,258 |
| Efficiency ratio | 62.8267% | 2,564 |
| Assets per employee ($millions) | 5.7935% | 2,900 |
| Cash dividends to net income (ytd only)* | 9.3885% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,870 |
| Loan loss allowance to noncurrent loans | 1,020.1828% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 3,188 |
| Noncurrent loans to loans | 0.1200% | 3,493 |
| Net loans and leases to total assets | 64.7581% | 1,683 |
| Net loans and leases to deposits | 72.8463% | 1,975 |
| Net loans and leases to core deposits | 74.8344% | 2,160 |
| Total domestic deposits to total assets | 88.8968% | 1,346 |
| Equity capital to assets | 9.9370% | 2,963 |
| Core capital (leverage) ratio | 8.2520% | 4,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6034% | 2,829 |
| Memoranda: | ||
| Average total assets | $1,624,961,500 | 649 |
| Average earning assets | $1,503,742,750 | 640 |
| Average equity | $160,403,250 | 683 |
| Average total loans | $1,074,397,500 | 625 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 1,537 |
| Cost of funding earning assets | 0.1355% | 4,311 |
| Net interest margin | 3.8779% | 1,012 |
| Noninterest income to average assets | 0.9548% | 1,149 |
| Noninterest expense to average assets | 2.8664% | 1,221 |
| Loan and lease loss provision to assets | 0.1863% | 609 |
| Net operating income to assets | 1.1543% | 2,353 |
| Return on assets (ROA) | 1.1819% | 2,322 |
| Pretax return on assets | 1.5244% | 1,943 |
| Return on Equity (ROE) | 12.0010% | 2,068 |
| Retained earnings to average equity (ytd only) | 12.0010% | 919 |
| Net charge-offs to loans | 0.0513% | 1,107 |
| Credit loss provision to net charge-offs | 547.4453% | 653 |
| Earnings coverage of net charge-offs (x) | 49.2482% | 1,075 |
| Efficiency ratio | 62.5509% | 2,654 |
| Assets per employee ($millions) | 5.7195% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,991 |
| Loan loss allowance to noncurrent loans | 957.6030% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 3,312 |
| Noncurrent loans to loans | 0.1243% | 3,566 |
| Net loans and leases to total assets | 63.9610% | 1,955 |
| Net loans and leases to deposits | 71.8142% | 2,224 |
| Net loans and leases to core deposits | 74.1237% | 2,401 |
| Total domestic deposits to total assets | 89.0646% | 1,253 |
| Equity capital to assets | 9.8527% | 3,006 |
| Core capital (leverage) ratio | 8.2249% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4173% | 2,881 |
| Memoranda: | ||
| Average total assets | $1,610,437,667 | 645 |
| Average earning assets | $1,489,813,333 | 642 |
| Average equity | $158,603,667 | 679 |
| Average total loans | $1,067,895,000 | 632 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 1,537 |
| Cost of funding earning assets | 0.1447% | 4,342 |
| Net interest margin | 3.8899% | 1,006 |
| Noninterest income to average assets | 0.9743% | 1,176 |
| Noninterest expense to average assets | 2.8609% | 1,233 |
| Loan and lease loss provision to assets | 0.1891% | 647 |
| Net operating income to assets | 1.1832% | 2,219 |
| Return on assets (ROA) | 1.1864% | 2,275 |
| Pretax return on assets | 1.5217% | 1,940 |
| Return on Equity (ROE) | 12.0490% | 1,994 |
| Retained earnings to average equity (ytd only) | 12.0490% | 1,131 |
| Net charge-offs to loans | 0.0605% | 921 |
| Credit loss provision to net charge-offs | 465.8385% | 609 |
| Earnings coverage of net charge-offs (x) | 42.0435% | 968 |
| Efficiency ratio | 62.0701% | 2,745 |
| Assets per employee ($millions) | 5.6815% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,279 |
| Loan loss allowance to noncurrent loans | 894.4035% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 3,437 |
| Noncurrent loans to loans | 0.1268% | 3,674 |
| Net loans and leases to total assets | 65.8742% | 1,812 |
| Net loans and leases to deposits | 73.9563% | 2,127 |
| Net loans and leases to core deposits | 76.4173% | 2,314 |
| Total domestic deposits to total assets | 89.0718% | 1,304 |
| Equity capital to assets | 9.7964% | 2,901 |
| Core capital (leverage) ratio | 8.3674% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8733% | 2,713 |
| Memoranda: | ||
| Average total assets | $1,586,334,000 | 644 |
| Average earning assets | $1,465,423,000 | 644 |
| Average equity | $156,195,000 | 684 |
| Average total loans | $1,065,007,500 | 636 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 2,234 |
| Cost of funding earning assets | 0.2781% | 4,257 |
| Net interest margin | 3.8896% | 1,245 |
| Noninterest income to average assets | 0.9280% | 1,200 |
| Noninterest expense to average assets | 2.9117% | 1,648 |
| Loan and lease loss provision to assets | 0.3540% | 975 |
| Net operating income to assets | 0.9767% | 2,370 |
| Return on assets (ROA) | 1.0633% | 2,192 |
| Pretax return on assets | 1.3434% | 1,842 |
| Return on Equity (ROE) | 10.2759% | 1,897 |
| Retained earnings to average equity (ytd only) | 5.9991% | 1,794 |
| Net charge-offs to loans | 0.0687% | 1,808 |
| Credit loss provision to net charge-offs | 736.3770% | 971 |
| Earnings coverage of net charge-offs (x) | 33.0236% | 1,533 |
| Efficiency ratio | 65.0914% | 2,661 |
| Assets per employee ($millions) | 5.4905% | 2,852 |
| Cash dividends to net income (ytd only)* | 41.6195% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,501 |
| Loan loss allowance to noncurrent loans | 1,281.2639% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 3,614 |
| Noncurrent loans to loans | 0.0852% | 3,953 |
| Net loans and leases to total assets | 66.9186% | 1,964 |
| Net loans and leases to deposits | 78.5651% | 2,015 |
| Net loans and leases to core deposits | 81.4134% | 2,240 |
| Total domestic deposits to total assets | 85.1759% | 2,691 |
| Equity capital to assets | 9.8975% | 3,221 |
| Core capital (leverage) ratio | 8.9468% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9778% | 2,928 |
| Memoranda: | ||
| Average total assets | $1,412,246,600 | 653 |
| Average earning assets | $1,296,727,400 | 652 |
| Average equity | $146,137,400 | 689 |
| Average total loans | $988,556,000 | 651 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 2,345 |
| Cost of funding earning assets | 0.2989% | 4,316 |
| Net interest margin | 3.9199% | 1,304 |
| Noninterest income to average assets | 0.9185% | 1,175 |
| Noninterest expense to average assets | 2.8932% | 1,717 |
| Loan and lease loss provision to assets | 0.3833% | 956 |
| Net operating income to assets | 0.9720% | 2,445 |
| Return on assets (ROA) | 1.0167% | 2,400 |
| Pretax return on assets | 1.2941% | 2,078 |
| Return on Equity (ROE) | 9.7048% | 2,131 |
| Retained earnings to average equity (ytd only) | 5.7684% | 2,196 |
| Net charge-offs to loans | 0.0596% | 1,753 |
| Credit loss provision to net charge-offs | 910.1382% | 890 |
| Earnings coverage of net charge-offs (x) | 38.4885% | 1,391 |
| Efficiency ratio | 64.5243% | 2,654 |
| Assets per employee ($millions) | 5.4191% | 2,781 |
| Cash dividends to net income (ytd only)* | 40.5612% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,692 |
| Loan loss allowance to noncurrent loans | 1,078.4353% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 3,694 |
| Noncurrent loans to loans | 0.0931% | 3,993 |
| Net loans and leases to total assets | 69.8973% | 1,963 |
| Net loans and leases to deposits | 85.3447% | 1,771 |
| Net loans and leases to core deposits | 88.5990% | 2,092 |
| Total domestic deposits to total assets | 81.9000% | 3,447 |
| Equity capital to assets | 10.0993% | 3,149 |
| Core capital (leverage) ratio | 9.3121% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5633% | 3,015 |
| Memoranda: | ||
| Average total assets | $1,374,107,000 | 652 |
| Average earning assets | $1,260,417,750 | 652 |
| Average equity | $143,952,500 | 692 |
| Average total loans | $971,019,500 | 652 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 2,454 |
| Cost of funding earning assets | 0.3053% | 4,461 |
| Net interest margin | 4.0024% | 1,314 |
| Noninterest income to average assets | 0.9080% | 1,149 |
| Noninterest expense to average assets | 2.9360% | 1,752 |
| Loan and lease loss provision to assets | 0.4373% | 884 |
| Net operating income to assets | 0.9459% | 2,516 |
| Return on assets (ROA) | 0.9970% | 2,466 |
| Pretax return on assets | 1.2663% | 2,137 |
| Return on Equity (ROE) | 9.3883% | 2,207 |
| Retained earnings to average equity (ytd only) | 5.1286% | 2,412 |
| Net charge-offs to loans | 0.0646% | 1,598 |
| Credit loss provision to net charge-offs | 957.0957% | 818 |
| Earnings coverage of net charge-offs (x) | 35.8713% | 1,317 |
| Efficiency ratio | 64.2980% | 2,785 |
| Assets per employee ($millions) | 5.5210% | 2,620 |
| Cash dividends to net income (ytd only)* | 45.3721% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 3,799 |
| Loan loss allowance to noncurrent loans | 797.5669% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 3,768 |
| Noncurrent loans to loans | 0.1191% | 3,974 |
| Net loans and leases to total assets | 68.7703% | 2,217 |
| Net loans and leases to deposits | 84.1063% | 1,989 |
| Net loans and leases to core deposits | 86.8498% | 2,364 |
| Total domestic deposits to total assets | 81.7659% | 3,435 |
| Equity capital to assets | 10.1001% | 3,108 |
| Core capital (leverage) ratio | 8.4110% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6074% | 3,065 |
| Memoranda: | ||
| Average total assets | $1,326,359,333 | 658 |
| Average earning assets | $1,215,182,000 | 658 |
| Average equity | $140,856,000 | 696 |
| Average total loans | $937,579,667 | 666 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 1,964 |
| Cost of funding earning assets | 0.3151% | 4,609 |
| Net interest margin | 4.2972% | 764 |
| Noninterest income to average assets | 1.1228% | 689 |
| Noninterest expense to average assets | 3.2469% | 1,323 |
| Loan and lease loss provision to assets | 0.3744% | 826 |
| Net operating income to assets | 1.1370% | 1,732 |
| Return on assets (ROA) | 1.1401% | 1,827 |
| Pretax return on assets | 1.4396% | 1,465 |
| Return on Equity (ROE) | 9.9313% | 1,766 |
| Retained earnings to average equity (ytd only) | 4.7820% | 2,375 |
| Net charge-offs to loans | 0.0973% | 1,101 |
| Credit loss provision to net charge-offs | 552.3256% | 830 |
| Earnings coverage of net charge-offs (x) | 26.7035% | 1,249 |
| Efficiency ratio | 64.0742% | 3,225 |
| Assets per employee ($millions) | 4.4216% | 3,378 |
| Cash dividends to net income (ytd only)* | 51.8493% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 3,102 |
| Loan loss allowance to noncurrent loans | 1,544.1233% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 3,891 |
| Noncurrent loans to loans | 0.0724% | 4,234 |
| Net loans and leases to total assets | 70.9768% | 2,095 |
| Net loans and leases to deposits | 81.3055% | 2,545 |
| Net loans and leases to core deposits | 82.9802% | 2,936 |
| Total domestic deposits to total assets | 87.2964% | 1,427 |
| Equity capital to assets | 11.7855% | 2,222 |
| Core capital (leverage) ratio | 9.6647% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2628% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,014,995,500 | 809 |
| Average earning assets | $929,265,000 | 813 |
| Average equity | $116,520,500 | 823 |
| Average total loans | $707,310,500 | 831 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 2,154 |
| Cost of funding earning assets | 0.3712% | 4,539 |
| Net interest margin | 4.3921% | 906 |
| Noninterest income to average assets | 1.3216% | 545 |
| Noninterest expense to average assets | 3.4077% | 1,103 |
| Loan and lease loss provision to assets | 0.1847% | 1,117 |
| Net operating income to assets | 1.2990% | 1,690 |
| Return on assets (ROA) | 1.2989% | 1,766 |
| Pretax return on assets | 1.7338% | 1,099 |
| Return on Equity (ROE) | 11.5107% | 1,691 |
| Retained earnings to average equity (ytd only) | 4.6894% | 2,594 |
| Net charge-offs to loans | 0.1084% | 1,644 |
| Credit loss provision to net charge-offs | 242.5876% | 1,117 |
| Earnings coverage of net charge-offs (x) | 25.1968% | 1,741 |
| Efficiency ratio | 63.3950% | 3,164 |
| Assets per employee ($millions) | 4.5810% | 3,104 |
| Cash dividends to net income (ytd only)* | 59.2604% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,288 |
| Loan loss allowance to noncurrent loans | 1,450.3006% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 3,704 |
| Noncurrent loans to loans | 0.0716% | 4,247 |
| Net loans and leases to total assets | 66.9551% | 2,838 |
| Net loans and leases to deposits | 75.9830% | 3,181 |
| Net loans and leases to core deposits | 77.7057% | 3,464 |
| Total domestic deposits to total assets | 88.1185% | 1,077 |
| Equity capital to assets | 11.1836% | 2,828 |
| Core capital (leverage) ratio | 9.6824% | 3,871 |
| Tier 1 risk-based capital ratio | 11.3305% | 4,715 |
| Total risk-based capital ratio | 12.1971% | 4,778 |
| Memoranda: | ||
| Average total assets | $974,391,600 | 803 |
| Average earning assets | $888,467,000 | 812 |
| Average equity | $109,949,600 | 827 |
| Average total loans | $684,813,200 | 825 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8124% | 2,082 |
| Cost of funding earning assets | 0.3363% | 4,705 |
| Net interest margin | 4.4761% | 808 |
| Noninterest income to average assets | 1.2764% | 564 |
| Noninterest expense to average assets | 3.4653% | 989 |
| Loan and lease loss provision to assets | 0.1874% | 963 |
| Net operating income to assets | 1.2698% | 1,950 |
| Return on assets (ROA) | 1.2737% | 2,019 |
| Pretax return on assets | 1.7036% | 1,329 |
| Return on Equity (ROE) | 11.2611% | 1,906 |
| Retained earnings to average equity (ytd only) | 2.0548% | 4,250 |
| Net charge-offs to loans | 0.1093% | 1,373 |
| Credit loss provision to net charge-offs | 241.5027% | 1,123 |
| Earnings coverage of net charge-offs (x) | 24.3007% | 1,802 |
| Efficiency ratio | 64.1465% | 2,984 |
| Assets per employee ($millions) | 4.3454% | 3,423 |
| Cash dividends to net income (ytd only)* | 81.7528% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,578 |
| Loan loss allowance to noncurrent loans | 1,056.0606% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 3,178 |
| Noncurrent loans to loans | 0.0946% | 4,224 |
| Net loans and leases to total assets | 71.9198% | 2,189 |
| Net loans and leases to deposits | 82.4160% | 2,631 |
| Net loans and leases to core deposits | 84.4104% | 3,057 |
| Total domestic deposits to total assets | 87.2644% | 1,396 |
| Equity capital to assets | 11.6247% | 2,578 |
| Core capital (leverage) ratio | 9.6844% | 3,989 |
| Tier 1 risk-based capital ratio | 11.2255% | 4,808 |
| Total risk-based capital ratio | 12.0815% | 4,879 |
| Memoranda: | ||
| Average total assets | $960,310,750 | 814 |
| Average earning assets | $874,256,000 | 829 |
| Average equity | $108,619,250 | 835 |
| Average total loans | $681,678,250 | 827 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7784% | 2,131 |
| Cost of funding earning assets | 0.3445% | 4,698 |
| Net interest margin | 4.4339% | 882 |
| Noninterest income to average assets | 1.2209% | 574 |
| Noninterest expense to average assets | 3.4699% | 993 |
| Loan and lease loss provision to assets | 0.1874% | 949 |
| Net operating income to assets | 1.2062% | 2,130 |
| Return on assets (ROA) | 1.2113% | 2,170 |
| Pretax return on assets | 1.6120% | 1,508 |
| Return on Equity (ROE) | 10.8090% | 2,058 |
| Retained earnings to average equity (ytd only) | 0.1227% | 4,657 |
| Net charge-offs to loans | 0.1082% | 1,326 |
| Credit loss provision to net charge-offs | 245.9016% | 1,036 |
| Earnings coverage of net charge-offs (x) | 23.5219% | 1,651 |
| Efficiency ratio | 65.3146% | 2,918 |
| Assets per employee ($millions) | 4.6218% | 2,974 |
| Cash dividends to net income (ytd only)* | 98.8652% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,637 |
| Loan loss allowance to noncurrent loans | 342.8498% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 2,483 |
| Noncurrent loans to loans | 0.2913% | 3,489 |
| Net loans and leases to total assets | 69.2118% | 2,645 |
| Net loans and leases to deposits | 78.8115% | 3,078 |
| Net loans and leases to core deposits | 80.4662% | 3,387 |
| Total domestic deposits to total assets | 87.8194% | 1,187 |
| Equity capital to assets | 11.4028% | 2,700 |
| Core capital (leverage) ratio | 9.6733% | 3,959 |
| Tier 1 risk-based capital ratio | 11.4515% | 4,710 |
| Total risk-based capital ratio | 12.3077% | 4,798 |
| Memoranda: | ||
| Average total assets | $960,302,330 | 810 |
| Average earning assets | $875,436,670 | 822 |
| Average equity | $107,613,670 | 835 |
| Average total loans | $676,357,000 | 836 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 1,872 |
| Cost of funding earning assets | 0.3144% | 4,801 |
| Net interest margin | 4.4951% | 747 |
| Noninterest income to average assets | 1.1857% | 577 |
| Noninterest expense to average assets | 3.4816% | 993 |
| Loan and lease loss provision to assets | 0.1875% | 876 |
| Net operating income to assets | 1.2263% | 1,960 |
| Return on assets (ROA) | 1.2349% | 1,981 |
| Pretax return on assets | 1.6270% | 1,399 |
| Return on Equity (ROE) | 11.1171% | 1,906 |
| Retained earnings to average equity (ytd only) | -5.7668% | 4,965 |
| Net charge-offs to loans | -0.0890% | 4,997 |
| Credit loss provision to net charge-offs | -298.0132% | 3,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2578% | 3,048 |
| Assets per employee ($millions) | 4.2280% | 3,587 |
| Cash dividends to net income (ytd only)* | 151.8731% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 3,632 |
| Loan loss allowance to noncurrent loans | 195.9815% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 2,203 |
| Noncurrent loans to loans | 0.5148% | 2,771 |
| Net loans and leases to total assets | 68.3994% | 2,701 |
| Net loans and leases to deposits | 77.5932% | 3,106 |
| Net loans and leases to core deposits | 79.1419% | 3,440 |
| Total domestic deposits to total assets | 88.1513% | 1,259 |
| Equity capital to assets | 10.9833% | 2,874 |
| Core capital (leverage) ratio | 9.4248% | 4,234 |
| Tier 1 risk-based capital ratio | 11.2817% | 4,852 |
| Total risk-based capital ratio | 12.1493% | 4,925 |
| Memoranda: | ||
| Average total assets | $959,786,500 | 815 |
| Average earning assets | $875,357,500 | 827 |
| Average equity | $106,611,000 | 838 |
| Average total loans | $678,500,500 | 838 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 1,782 |
| Cost of funding earning assets | 0.1466% | 5,180 |
| Net interest margin | 4.5661% | 662 |
| Noninterest income to average assets | 1.2445% | 602 |
| Noninterest expense to average assets | 3.6138% | 855 |
| Loan and lease loss provision to assets | 0.1344% | 1,611 |
| Net operating income to assets | 1.6364% | 799 |
| Return on assets (ROA) | 1.4816% | 1,154 |
| Pretax return on assets | 1.4816% | 1,838 |
| Return on Equity (ROE) | 12.7062% | 1,466 |
| Retained earnings to average equity (ytd only) | 2.8125% | 3,997 |
| Net charge-offs to loans | 0.1484% | 1,290 |
| Credit loss provision to net charge-offs | 123.5839% | 2,114 |
| Earnings coverage of net charge-offs (x) | 16.2822% | 2,257 |
| Efficiency ratio | 66.5481% | 2,777 |
| Assets per employee ($millions) | 4.0303% | 3,854 |
| Cash dividends to net income (ytd only)* | 77.8651% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 4,152 |
| Loan loss allowance to noncurrent loans | 231.5592% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 2,746 |
| Noncurrent loans to loans | 0.3894% | 3,138 |
| Net loans and leases to total assets | 71.6796% | 2,316 |
| Net loans and leases to deposits | 81.2843% | 2,821 |
| Net loans and leases to core deposits | 83.2250% | 3,161 |
| Total domestic deposits to total assets | 88.1838% | 1,219 |
| Equity capital to assets | 11.2356% | 2,480 |
| Core capital (leverage) ratio | 9.9443% | 3,654 |
| Tier 1 risk-based capital ratio | 11.3749% | 4,781 |
| Total risk-based capital ratio | 12.1586% | 4,904 |
| Memoranda: | ||
| Average total assets | $892,839,600 | 855 |
| Average earning assets | $809,526,000 | 872 |
| Average equity | $104,106,400 | 823 |
| Average total loans | $654,381,000 | 835 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 1,651 |
| Cost of funding earning assets | 0.1185% | 5,310 |
| Net interest margin | 4.5899% | 612 |
| Noninterest income to average assets | 1.2169% | 647 |
| Noninterest expense to average assets | 3.6692% | 785 |
| Loan and lease loss provision to assets | 0.1137% | 1,786 |
| Net operating income to assets | 1.5908% | 982 |
| Return on assets (ROA) | 1.5884% | 991 |
| Pretax return on assets | 1.5884% | 1,618 |
| Return on Equity (ROE) | 13.4902% | 1,268 |
| Retained earnings to average equity (ytd only) | 1.8996% | 4,610 |
| Net charge-offs to loans | 0.1342% | 1,204 |
| Credit loss provision to net charge-offs | 115.2074% | 2,050 |
| Earnings coverage of net charge-offs (x) | 17.2673% | 2,119 |
| Efficiency ratio | 67.7013% | 2,592 |
| Assets per employee ($millions) | 3.7191% | 4,283 |
| Cash dividends to net income (ytd only)* | 85.9188% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 4,249 |
| Loan loss allowance to noncurrent loans | 207.2628% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 2,672 |
| Noncurrent loans to loans | 0.4359% | 3,092 |
| Net loans and leases to total assets | 76.2467% | 1,625 |
| Net loans and leases to deposits | 87.9768% | 2,155 |
| Net loans and leases to core deposits | 90.1129% | 2,655 |
| Total domestic deposits to total assets | 86.6668% | 1,885 |
| Equity capital to assets | 11.8088% | 2,026 |
| Core capital (leverage) ratio | 10.2168% | 3,385 |
| Tier 1 risk-based capital ratio | 10.9305% | 5,070 |
| Total risk-based capital ratio | 11.6922% | 5,175 |
| Memoranda: | ||
| Average total assets | $879,268,250 | 864 |
| Average earning assets | $796,304,250 | 881 |
| Average equity | $103,529,250 | 824 |
| Average total loans | $646,708,000 | 844 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 1,710 |
| Cost of funding earning assets | 0.1040% | 5,401 |
| Net interest margin | 4.5210% | 670 |
| Noninterest income to average assets | 1.3400% | 537 |
| Noninterest expense to average assets | 3.7034% | 750 |
| Loan and lease loss provision to assets | 0.1020% | 1,905 |
| Net operating income to assets | 1.6353% | 832 |
| Return on assets (ROA) | 1.6317% | 849 |
| Pretax return on assets | 1.6317% | 1,397 |
| Return on Equity (ROE) | 13.8713% | 1,112 |
| Retained earnings to average equity (ytd only) | 2.3087% | 4,349 |
| Net charge-offs to loans | 0.1221% | 1,200 |
| Credit loss provision to net charge-offs | 115.3846% | 1,837 |
| Earnings coverage of net charge-offs (x) | 19.6513% | 1,844 |
| Efficiency ratio | 67.4639% | 2,737 |
| Assets per employee ($millions) | 3.5670% | 4,507 |
| Cash dividends to net income (ytd only)* | 83.3565% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,249 |
| Loan loss allowance to noncurrent loans | 1,276.0085% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 4,050 |
| Noncurrent loans to loans | 0.0721% | 4,600 |
| Net loans and leases to total assets | 73.4332% | 2,052 |
| Net loans and leases to deposits | 83.8802% | 2,550 |
| Net loans and leases to core deposits | 85.5618% | 2,960 |
| Total domestic deposits to total assets | 87.5453% | 1,620 |
| Equity capital to assets | 11.7169% | 2,050 |
| Core capital (leverage) ratio | 10.1589% | 3,407 |
| Tier 1 risk-based capital ratio | 11.2097% | 4,947 |
| Total risk-based capital ratio | 11.9879% | 5,072 |
| Memoranda: | ||
| Average total assets | $882,264,330 | 867 |
| Average earning assets | $800,258,330 | 878 |
| Average equity | $103,782,330 | 823 |
| Average total loans | $639,074,000 | 852 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 1,778 |
| Cost of funding earning assets | 0.1047% | 5,452 |
| Net interest margin | 4.4260% | 729 |
| Noninterest income to average assets | 1.3433% | 519 |
| Noninterest expense to average assets | 3.7283% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6383% | 781 |
| Return on assets (ROA) | 1.6310% | 799 |
| Pretax return on assets | 1.6310% | 1,295 |
| Return on Equity (ROE) | 13.8384% | 1,051 |
| Retained earnings to average equity (ytd only) | 4.2284% | 3,498 |
| Net charge-offs to loans | 0.0715% | 1,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,203 |
| Efficiency ratio | 68.8392% | 2,693 |
| Assets per employee ($millions) | 3.8149% | 4,269 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 4,371 |
| Loan loss allowance to noncurrent loans | 1,146.7583% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 3,429 |
| Noncurrent loans to loans | 0.0799% | 4,624 |
| Net loans and leases to total assets | 70.9830% | 2,328 |
| Net loans and leases to deposits | 81.1544% | 2,677 |
| Net loans and leases to core deposits | 82.9856% | 3,065 |
| Total domestic deposits to total assets | 87.4666% | 1,913 |
| Equity capital to assets | 11.6481% | 2,030 |
| Core capital (leverage) ratio | 10.1646% | 3,344 |
| Tier 1 risk-based capital ratio | 11.3825% | 4,933 |
| Total risk-based capital ratio | 12.1508% | 5,093 |
| Memoranda: | ||
| Average total assets | $882,877,500 | 870 |
| Average earning assets | $802,535,500 | 882 |
| Average equity | $104,058,500 | 823 |
| Average total loans | $632,119,000 | 863 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 1,624 |
| Cost of funding earning assets | 0.1185% | 5,420 |
| Net interest margin | 4.4092% | 744 |
| Noninterest income to average assets | 1.5402% | 441 |
| Noninterest expense to average assets | 3.3657% | 1,261 |
| Loan and lease loss provision to assets | 0.3508% | 449 |
| Net operating income to assets | 1.8125% | 407 |
| Return on assets (ROA) | 1.8119% | 414 |
| Pretax return on assets | 1.8119% | 770 |
| Return on Equity (ROE) | 15.3764% | 565 |
| Retained earnings to average equity (ytd only) | 8.1878% | 695 |
| Net charge-offs to loans | 0.2214% | 1,171 |
| Credit loss provision to net charge-offs | 220.4262% | 1,243 |
| Earnings coverage of net charge-offs (x) | 13.5944% | 2,382 |
| Efficiency ratio | 60.3324% | 4,210 |
| Assets per employee ($millions) | 3.8460% | 4,211 |
| Cash dividends to net income (ytd only)* | 46.7510% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 4,219 |
| Loan loss allowance to noncurrent loans | 479.8387% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 3,102 |
| Noncurrent loans to loans | 0.1976% | 4,123 |
| Net loans and leases to total assets | 70.8764% | 2,382 |
| Net loans and leases to deposits | 81.2034% | 2,795 |
| Net loans and leases to core deposits | 83.1846% | 3,138 |
| Total domestic deposits to total assets | 87.2826% | 1,866 |
| Equity capital to assets | 11.9263% | 1,888 |
| Core capital (leverage) ratio | 10.2276% | 3,153 |
| Tier 1 risk-based capital ratio | 11.4291% | 4,896 |
| Total risk-based capital ratio | 12.2246% | 5,038 |
| Memoranda: | ||
| Average total assets | $855,270,000 | 870 |
| Average earning assets | $773,728,400 | 889 |
| Average equity | $100,784,200 | 820 |
| Average total loans | $614,777,200 | 852 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 1,640 |
| Cost of funding earning assets | 0.1203% | 5,474 |
| Net interest margin | 4.3794% | 763 |
| Noninterest income to average assets | 1.5910% | 432 |
| Noninterest expense to average assets | 3.3622% | 1,220 |
| Loan and lease loss provision to assets | 0.3530% | 420 |
| Net operating income to assets | 1.8349% | 434 |
| Return on assets (ROA) | 1.8376% | 442 |
| Pretax return on assets | 1.8376% | 808 |
| Return on Equity (ROE) | 15.6428% | 568 |
| Retained earnings to average equity (ytd only) | 10.9685% | 419 |
| Net charge-offs to loans | 0.3139% | 667 |
| Credit loss provision to net charge-offs | 156.2500% | 1,635 |
| Earnings coverage of net charge-offs (x) | 9.6847% | 2,667 |
| Efficiency ratio | 60.0616% | 4,203 |
| Assets per employee ($millions) | 3.8302% | 4,263 |
| Cash dividends to net income (ytd only)* | 29.8813% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 4,818 |
| Loan loss allowance to noncurrent loans | 178.8334% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 2,554 |
| Noncurrent loans to loans | 0.4626% | 3,315 |
| Net loans and leases to total assets | 72.5117% | 2,181 |
| Net loans and leases to deposits | 83.7678% | 2,585 |
| Net loans and leases to core deposits | 85.8783% | 2,982 |
| Total domestic deposits to total assets | 86.5627% | 2,065 |
| Equity capital to assets | 12.4710% | 1,673 |
| Core capital (leverage) ratio | 10.4638% | 3,029 |
| Tier 1 risk-based capital ratio | 11.3974% | 5,015 |
| Total risk-based capital ratio | 12.0800% | 5,242 |
| Memoranda: | ||
| Average total assets | $849,864,750 | 884 |
| Average earning assets | $768,313,500 | 901 |
| Average equity | $99,835,000 | 829 |
| Average total loans | $611,606,750 | 861 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 1,707 |
| Cost of funding earning assets | 0.1196% | 5,511 |
| Net interest margin | 4.3173% | 820 |
| Noninterest income to average assets | 1.6285% | 426 |
| Noninterest expense to average assets | 3.3279% | 1,321 |
| Loan and lease loss provision to assets | 0.3525% | 403 |
| Net operating income to assets | 1.8505% | 410 |
| Return on assets (ROA) | 1.8517% | 420 |
| Pretax return on assets | 1.8517% | 740 |
| Return on Equity (ROE) | 16.0919% | 519 |
| Retained earnings to average equity (ytd only) | 8.9436% | 860 |
| Net charge-offs to loans | 0.4117% | 491 |
| Credit loss provision to net charge-offs | 119.6172% | 1,786 |
| Earnings coverage of net charge-offs (x) | 7.4753% | 2,600 |
| Efficiency ratio | 59.6711% | 4,366 |
| Assets per employee ($millions) | 3.9193% | 4,102 |
| Cash dividends to net income (ytd only)* | 44.4219% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 5,115 |
| Loan loss allowance to noncurrent loans | 133.1385% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 2,340 |
| Noncurrent loans to loans | 0.5552% | 3,073 |
| Net loans and leases to total assets | 72.2616% | 2,158 |
| Net loans and leases to deposits | 82.7572% | 2,624 |
| Net loans and leases to core deposits | 84.8462% | 2,982 |
| Total domestic deposits to total assets | 87.3176% | 1,798 |
| Equity capital to assets | 12.0236% | 1,907 |
| Core capital (leverage) ratio | 9.8674% | 3,695 |
| Tier 1 risk-based capital ratio | 10.8393% | 5,329 |
| Total risk-based capital ratio | 11.4484% | 5,514 |
| Memoranda: | ||
| Average total assets | $850,992,670 | 888 |
| Average earning assets | $769,238,000 | 904 |
| Average equity | $97,925,000 | 844 |
| Average total loans | $609,169,670 | 867 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 1,837 |
| Cost of funding earning assets | 0.1207% | 5,558 |
| Net interest margin | 4.2238% | 938 |
| Noninterest income to average assets | 1.4229% | 529 |
| Noninterest expense to average assets | 3.2124% | 1,575 |
| Loan and lease loss provision to assets | 0.3516% | 336 |
| Net operating income to assets | 1.6807% | 576 |
| Return on assets (ROA) | 1.6840% | 585 |
| Pretax return on assets | 1.6840% | 1,039 |
| Return on Equity (ROE) | 14.9677% | 650 |
| Retained earnings to average equity (ytd only) | 7.6755% | 1,583 |
| Net charge-offs to loans | 0.2741% | 667 |
| Credit loss provision to net charge-offs | 180.7229% | 1,085 |
| Earnings coverage of net charge-offs (x) | 10.4458% | 1,936 |
| Efficiency ratio | 60.7491% | 4,354 |
| Assets per employee ($millions) | 4.1024% | 3,839 |
| Cash dividends to net income (ytd only)* | 48.7194% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 5,141 |
| Loan loss allowance to noncurrent loans | 65.3765% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0534% | 1,716 |
| Noncurrent loans to loans | 1.1803% | 1,718 |
| Net loans and leases to total assets | 69.6654% | 2,443 |
| Net loans and leases to deposits | 79.3405% | 2,826 |
| Net loans and leases to core deposits | 81.3532% | 3,150 |
| Total domestic deposits to total assets | 87.8056% | 1,820 |
| Equity capital to assets | 11.3592% | 2,297 |
| Core capital (leverage) ratio | 9.5461% | 4,062 |
| Tier 1 risk-based capital ratio | 10.6481% | 5,487 |
| Total risk-based capital ratio | 11.2805% | 5,654 |
| Memoranda: | ||
| Average total assets | $853,204,000 | 888 |
| Average earning assets | $772,011,000 | 904 |
| Average equity | $95,993,500 | 860 |
| Average total loans | $605,604,000 | 870 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 2,619 |
| Cost of funding earning assets | 0.1125% | 5,647 |
| Net interest margin | 4.0492% | 1,498 |
| Noninterest income to average assets | 1.3495% | 628 |
| Noninterest expense to average assets | 3.4860% | 1,193 |
| Loan and lease loss provision to assets | 0.1126% | 2,187 |
| Net operating income to assets | 1.4225% | 966 |
| Return on assets (ROA) | 1.5266% | 813 |
| Pretax return on assets | 1.5266% | 1,503 |
| Return on Equity (ROE) | 13.2636% | 931 |
| Retained earnings to average equity (ytd only) | -12.2340% | 5,808 |
| Net charge-offs to loans | 0.1202% | 2,055 |
| Credit loss provision to net charge-offs | 145.7195% | 1,878 |
| Earnings coverage of net charge-offs (x) | 19.8652% | 1,893 |
| Efficiency ratio | 69.2232% | 3,035 |
| Assets per employee ($millions) | 3.9860% | 3,989 |
| Cash dividends to net income (ytd only)* | 192.2368% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7074% | 5,344 |
| Loan loss allowance to noncurrent loans | 64.6565% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.0121% | 1,872 |
| Noncurrent loans to loans | 1.0941% | 1,906 |
| Net loans and leases to total assets | 71.2528% | 2,296 |
| Net loans and leases to deposits | 80.8124% | 2,801 |
| Net loans and leases to core deposits | 82.8440% | 3,141 |
| Total domestic deposits to total assets | 88.1706% | 1,550 |
| Equity capital to assets | 11.1416% | 2,487 |
| Core capital (leverage) ratio | 9.2425% | 4,418 |
| Tier 1 risk-based capital ratio | 10.3693% | 5,625 |
| Total risk-based capital ratio | 10.9536% | 5,776 |
| Memoranda: | ||
| Average total assets | $710,464,200 | 1,010 |
| Average earning assets | $644,197,200 | 1,012 |
| Average equity | $81,772,400 | 972 |
| Average total loans | $456,669,800 | 1,074 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 2,621 |
| Cost of funding earning assets | 0.1139% | 5,705 |
| Net interest margin | 4.0524% | 1,521 |
| Noninterest income to average assets | 1.3476% | 650 |
| Noninterest expense to average assets | 3.5679% | 1,043 |
| Loan and lease loss provision to assets | 0.0592% | 3,075 |
| Net operating income to assets | 1.4001% | 1,069 |
| Return on assets (ROA) | 1.5463% | 845 |
| Pretax return on assets | 1.5463% | 1,553 |
| Return on Equity (ROE) | 13.3013% | 970 |
| Retained earnings to average equity (ytd only) | 6.7677% | 1,744 |
| Net charge-offs to loans | 0.1054% | 1,890 |
| Credit loss provision to net charge-offs | 90.6344% | 2,521 |
| Earnings coverage of net charge-offs (x) | 22.3475% | 1,765 |
| Efficiency ratio | 70.6538% | 2,799 |
| Assets per employee ($millions) | 3.3944% | 4,914 |
| Cash dividends to net income (ytd only)* | 49.1197% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 4,827 |
| Loan loss allowance to noncurrent loans | 88.2778% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 2,163 |
| Noncurrent loans to loans | 1.0339% | 2,175 |
| Net loans and leases to total assets | 65.4133% | 3,216 |
| Net loans and leases to deposits | 75.3929% | 3,460 |
| Net loans and leases to core deposits | 77.0757% | 3,743 |
| Total domestic deposits to total assets | 86.7632% | 1,998 |
| Equity capital to assets | 12.1110% | 2,031 |
| Core capital (leverage) ratio | 10.5446% | 2,942 |
| Tier 1 risk-based capital ratio | 12.0798% | 4,736 |
| Total risk-based capital ratio | 12.7834% | 4,980 |
| Memoranda: | ||
| Average total assets | $675,826,500 | 1,051 |
| Average earning assets | $613,642,250 | 1,062 |
| Average equity | $78,567,000 | 1,016 |
| Average total loans | $418,523,000 | 1,166 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 2,742 |
| Cost of funding earning assets | 0.1210% | 5,752 |
| Net interest margin | 4.0105% | 1,614 |
| Noninterest income to average assets | 1.4031% | 589 |
| Noninterest expense to average assets | 3.6072% | 999 |
| Loan and lease loss provision to assets | 0.0885% | 2,374 |
| Net operating income to assets | 1.3527% | 1,159 |
| Return on assets (ROA) | 1.5694% | 817 |
| Pretax return on assets | 1.5694% | 1,460 |
| Return on Equity (ROE) | 13.6881% | 884 |
| Retained earnings to average equity (ytd only) | 8.2869% | 1,077 |
| Net charge-offs to loans | 0.1032% | 1,799 |
| Credit loss provision to net charge-offs | 141.5094% | 1,667 |
| Earnings coverage of net charge-offs (x) | 23.0519% | 1,604 |
| Efficiency ratio | 71.1373% | 2,797 |
| Assets per employee ($millions) | 3.5194% | 4,721 |
| Cash dividends to net income (ytd only)* | 39.4589% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 4,686 |
| Loan loss allowance to noncurrent loans | 93.0238% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0611% | 2,003 |
| Noncurrent loans to loans | 1.0404% | 2,201 |
| Net loans and leases to total assets | 62.7947% | 3,529 |
| Net loans and leases to deposits | 71.8628% | 3,797 |
| Net loans and leases to core deposits | 73.2957% | 4,052 |
| Total domestic deposits to total assets | 87.3814% | 1,723 |
| Equity capital to assets | 11.9043% | 2,190 |
| Core capital (leverage) ratio | 10.2724% | 3,246 |
| Tier 1 risk-based capital ratio | 12.2656% | 4,666 |
| Total risk-based capital ratio | 13.0081% | 4,882 |
| Memoranda: | ||
| Average total assets | $678,205,000 | 1,052 |
| Average earning assets | $616,433,000 | 1,058 |
| Average equity | $77,761,000 | 1,023 |
| Average total loans | $410,883,330 | 1,183 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 2,950 |
| Cost of funding earning assets | 0.1261% | 5,780 |
| Net interest margin | 3.9483% | 1,790 |
| Noninterest income to average assets | 1.2969% | 653 |
| Noninterest expense to average assets | 3.5841% | 1,041 |
| Loan and lease loss provision to assets | 0.1766% | 1,153 |
| Net operating income to assets | 1.1303% | 1,787 |
| Return on assets (ROA) | 1.2799% | 1,401 |
| Pretax return on assets | 1.2799% | 2,385 |
| Return on Equity (ROE) | 11.3791% | 1,483 |
| Retained earnings to average equity (ytd only) | 6.9300% | 1,915 |
| Net charge-offs to loans | 0.1462% | 1,236 |
| Credit loss provision to net charge-offs | 204.0816% | 1,067 |
| Earnings coverage of net charge-offs (x) | 15.1020% | 1,673 |
| Efficiency ratio | 72.9417% | 2,654 |
| Assets per employee ($millions) | 3.5872% | 4,675 |
| Cash dividends to net income (ytd only)* | 39.0984% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 4,442 |
| Loan loss allowance to noncurrent loans | 80.6625% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 1,976 |
| Noncurrent loans to loans | 1.2778% | 1,889 |
| Net loans and leases to total assets | 59.0441% | 3,914 |
| Net loans and leases to deposits | 67.1313% | 4,147 |
| Net loans and leases to core deposits | 68.5952% | 4,350 |
| Total domestic deposits to total assets | 87.9532% | 1,665 |
| Equity capital to assets | 11.3036% | 2,622 |
| Core capital (leverage) ratio | 10.0207% | 3,517 |
| Tier 1 risk-based capital ratio | 12.1206% | 4,836 |
| Total risk-based capital ratio | 12.8876% | 5,058 |
| Memoranda: | ||
| Average total assets | $679,442,000 | 1,044 |
| Average earning assets | $618,498,500 | 1,057 |
| Average equity | $76,421,000 | 1,043 |
| Average total loans | $402,090,000 | 1,197 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0862% | 2,972 |
| Cost of funding earning assets | 0.1393% | 5,758 |
| Net interest margin | 3.9470% | 1,884 |
| Noninterest income to average assets | 1.3933% | 624 |
| Noninterest expense to average assets | 3.4612% | 1,367 |
| Loan and lease loss provision to assets | 0.0985% | 2,340 |
| Net operating income to assets | 1.4066% | 1,029 |
| Return on assets (ROA) | 1.4307% | 1,016 |
| Pretax return on assets | 1.4307% | 1,789 |
| Return on Equity (ROE) | 12.6500% | 1,141 |
| Retained earnings to average equity (ytd only) | 4.8849% | 2,503 |
| Net charge-offs to loans | 0.2805% | 1,087 |
| Credit loss provision to net charge-offs | 60.0939% | 3,268 |
| Earnings coverage of net charge-offs (x) | 9.1812% | 2,852 |
| Efficiency ratio | 68.8870% | 3,424 |
| Assets per employee ($millions) | 3.5273% | 4,786 |
| Cash dividends to net income (ytd only)* | 61.3837% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 4,456 |
| Loan loss allowance to noncurrent loans | 82.4031% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.2226% | 1,770 |
| Noncurrent loans to loans | 1.2460% | 1,895 |
| Net loans and leases to total assets | 58.0891% | 4,078 |
| Net loans and leases to deposits | 65.8593% | 4,328 |
| Net loans and leases to core deposits | 67.3037% | 4,490 |
| Total domestic deposits to total assets | 88.2018% | 1,535 |
| Equity capital to assets | 11.1907% | 2,639 |
| Core capital (leverage) ratio | 10.1268% | 3,357 |
| Tier 1 risk-based capital ratio | 12.2250% | 4,811 |
| Total risk-based capital ratio | 12.9855% | 5,030 |
| Memoranda: | ||
| Average total assets | $649,629,200 | 1,053 |
| Average earning assets | $588,098,200 | 1,060 |
| Average equity | $73,470,600 | 1,043 |
| Average total loans | $379,645,800 | 1,215 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 2,979 |
| Cost of funding earning assets | 0.1418% | 5,835 |
| Net interest margin | 3.9497% | 1,875 |
| Noninterest income to average assets | 1.4089% | 629 |
| Noninterest expense to average assets | 3.4403% | 1,397 |
| Loan and lease loss provision to assets | 0.0912% | 2,347 |
| Net operating income to assets | 1.4485% | 1,012 |
| Return on assets (ROA) | 1.4433% | 1,068 |
| Pretax return on assets | 1.4433% | 1,853 |
| Return on Equity (ROE) | 12.7266% | 1,192 |
| Retained earnings to average equity (ytd only) | 5.0453% | 2,882 |
| Net charge-offs to loans | 0.3119% | 857 |
| Credit loss provision to net charge-offs | 50.0569% | 3,030 |
| Earnings coverage of net charge-offs (x) | 8.4551% | 2,817 |
| Efficiency ratio | 68.2433% | 3,495 |
| Assets per employee ($millions) | 3.3995% | 4,982 |
| Cash dividends to net income (ytd only)* | 60.3560% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 4,415 |
| Loan loss allowance to noncurrent loans | 78.8540% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.3000% | 1,799 |
| Noncurrent loans to loans | 1.3471% | 1,901 |
| Net loans and leases to total assets | 58.0395% | 4,138 |
| Net loans and leases to deposits | 66.2239% | 4,367 |
| Net loans and leases to core deposits | 67.9018% | 4,545 |
| Total domestic deposits to total assets | 87.6412% | 1,731 |
| Equity capital to assets | 11.4466% | 2,545 |
| Core capital (leverage) ratio | 10.2227% | 3,343 |
| Tier 1 risk-based capital ratio | 12.2754% | 4,904 |
| Total risk-based capital ratio | 13.0456% | 5,123 |
| Memoranda: | ||
| Average total assets | $643,606,000 | 1,071 |
| Average earning assets | $581,898,000 | 1,079 |
| Average equity | $72,989,750 | 1,051 |
| Average total loans | $375,702,500 | 1,225 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 3,063 |
| Cost of funding earning assets | 0.1468% | 5,874 |
| Net interest margin | 3.9056% | 1,955 |
| Noninterest income to average assets | 1.4025% | 645 |
| Noninterest expense to average assets | 3.4324% | 1,410 |
| Loan and lease loss provision to assets | 0.1371% | 1,598 |
| Net operating income to assets | 1.3645% | 1,154 |
| Return on assets (ROA) | 1.3620% | 1,205 |
| Pretax return on assets | 1.3620% | 2,141 |
| Return on Equity (ROE) | 12.0476% | 1,355 |
| Retained earnings to average equity (ytd only) | 5.0176% | 2,852 |
| Net charge-offs to loans | 0.2332% | 1,111 |
| Credit loss provision to net charge-offs | 100.9174% | 2,025 |
| Earnings coverage of net charge-offs (x) | 11.0505% | 2,328 |
| Efficiency ratio | 68.7449% | 3,546 |
| Assets per employee ($millions) | 3.3382% | 5,092 |
| Cash dividends to net income (ytd only)* | 58.3524% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 3,929 |
| Loan loss allowance to noncurrent loans | 85.7989% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.3805% | 1,814 |
| Noncurrent loans to loans | 1.3720% | 1,973 |
| Net loans and leases to total assets | 58.4938% | 4,040 |
| Net loans and leases to deposits | 66.9409% | 4,230 |
| Net loans and leases to core deposits | 68.7303% | 4,435 |
| Total domestic deposits to total assets | 87.3813% | 1,975 |
| Equity capital to assets | 11.2441% | 2,624 |
| Core capital (leverage) ratio | 9.9800% | 3,633 |
| Tier 1 risk-based capital ratio | 12.3061% | 4,936 |
| Total risk-based capital ratio | 13.1765% | 5,102 |
| Memoranda: | ||
| Average total assets | $641,707,000 | 1,078 |
| Average earning assets | $580,242,670 | 1,086 |
| Average equity | $72,545,330 | 1,061 |
| Average total loans | $373,970,670 | 1,235 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 3,245 |
| Cost of funding earning assets | 0.1476% | 5,947 |
| Net interest margin | 3.8480% | 2,079 |
| Noninterest income to average assets | 1.4109% | 589 |
| Noninterest expense to average assets | 3.3678% | 1,555 |
| Loan and lease loss provision to assets | 0.2748% | 563 |
| Net operating income to assets | 1.2535% | 1,396 |
| Return on assets (ROA) | 1.2485% | 1,497 |
| Pretax return on assets | 1.2485% | 2,474 |
| Return on Equity (ROE) | 11.0143% | 1,631 |
| Retained earnings to average equity (ytd only) | 4.1269% | 3,531 |
| Net charge-offs to loans | 0.1955% | 1,152 |
| Credit loss provision to net charge-offs | 243.0939% | 934 |
| Earnings coverage of net charge-offs (x) | 13.5193% | 1,722 |
| Efficiency ratio | 68.0572% | 3,812 |
| Assets per employee ($millions) | 3.4433% | 5,006 |
| Cash dividends to net income (ytd only)* | 62.5313% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 3,585 |
| Loan loss allowance to noncurrent loans | 83.0678% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 1,739 |
| Noncurrent loans to loans | 1.5282% | 1,840 |
| Net loans and leases to total assets | 56.6948% | 4,128 |
| Net loans and leases to deposits | 64.9812% | 4,273 |
| Net loans and leases to core deposits | 66.9432% | 4,430 |
| Total domestic deposits to total assets | 87.2480% | 2,241 |
| Equity capital to assets | 11.2705% | 2,682 |
| Core capital (leverage) ratio | 9.9221% | 3,711 |
| Tier 1 risk-based capital ratio | 12.1770% | 5,128 |
| Total risk-based capital ratio | 13.1019% | 5,226 |
| Memoranda: | ||
| Average total assets | $640,424,000 | 1,085 |
| Average earning assets | $580,047,000 | 1,093 |
| Average equity | $72,596,500 | 1,061 |
| Average total loans | $370,281,500 | 1,240 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 2,339 |
| Cost of funding earning assets | 0.1692% | 5,984 |
| Net interest margin | 4.1972% | 1,309 |
| Noninterest income to average assets | 1.1504% | 910 |
| Noninterest expense to average assets | 3.2801% | 1,977 |
| Loan and lease loss provision to assets | 0.2810% | 755 |
| Net operating income to assets | 1.3565% | 1,176 |
| Return on assets (ROA) | 1.3791% | 1,159 |
| Pretax return on assets | 1.3791% | 1,957 |
| Return on Equity (ROE) | 12.2923% | 1,326 |
| Retained earnings to average equity (ytd only) | 4.2091% | 3,201 |
| Net charge-offs to loans | 0.6207% | 634 |
| Credit loss provision to net charge-offs | 75.1323% | 2,966 |
| Earnings coverage of net charge-offs (x) | 4.3787% | 3,672 |
| Efficiency ratio | 66.0005% | 4,250 |
| Assets per employee ($millions) | 3.4058% | 5,048 |
| Cash dividends to net income (ytd only)* | 65.7580% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 3,866 |
| Loan loss allowance to noncurrent loans | 71.8980% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 1.6301% | 1,656 |
| Noncurrent loans to loans | 1.7004% | 1,719 |
| Net loans and leases to total assets | 57.5137% | 4,113 |
| Net loans and leases to deposits | 65.9564% | 4,330 |
| Net loans and leases to core deposits | 67.9278% | 4,513 |
| Total domestic deposits to total assets | 87.1995% | 2,169 |
| Equity capital to assets | 11.4030% | 2,515 |
| Core capital (leverage) ratio | 10.3268% | 3,137 |
| Tier 1 risk-based capital ratio | 13.9019% | 4,165 |
| Total risk-based capital ratio | 14.9119% | 4,256 |
| Memoranda: | ||
| Average total assets | $606,466,800 | 1,096 |
| Average earning assets | $544,338,600 | 1,110 |
| Average equity | $68,042,400 | 1,084 |
| Average total loans | $365,382,000 | 1,213 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 2,184 |
| Cost of funding earning assets | 0.1766% | 6,019 |
| Net interest margin | 4.2334% | 1,196 |
| Noninterest income to average assets | 1.1789% | 863 |
| Noninterest expense to average assets | 3.3465% | 1,798 |
| Loan and lease loss provision to assets | 0.3519% | 500 |
| Net operating income to assets | 1.2688% | 1,464 |
| Return on assets (ROA) | 1.2854% | 1,468 |
| Pretax return on assets | 1.2854% | 2,435 |
| Return on Equity (ROE) | 11.5064% | 1,625 |
| Retained earnings to average equity (ytd only) | 4.9484% | 3,113 |
| Net charge-offs to loans | 0.6706% | 526 |
| Credit loss provision to net charge-offs | 86.3290% | 2,489 |
| Earnings coverage of net charge-offs (x) | 3.9760% | 3,555 |
| Efficiency ratio | 66.6667% | 4,102 |
| Assets per employee ($millions) | 3.1857% | 5,457 |
| Cash dividends to net income (ytd only)* | 56.9948% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 3,568 |
| Loan loss allowance to noncurrent loans | 82.9817% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.6610% | 1,824 |
| Noncurrent loans to loans | 1.5857% | 2,051 |
| Net loans and leases to total assets | 60.4016% | 3,717 |
| Net loans and leases to deposits | 69.7472% | 3,948 |
| Net loans and leases to core deposits | 71.8892% | 4,160 |
| Total domestic deposits to total assets | 86.6008% | 2,530 |
| Equity capital to assets | 11.7229% | 2,292 |
| Core capital (leverage) ratio | 10.5001% | 3,041 |
| Tier 1 risk-based capital ratio | 13.9970% | 4,217 |
| Total risk-based capital ratio | 15.0927% | 4,262 |
| Memoranda: | ||
| Average total assets | $600,565,750 | 1,111 |
| Average earning assets | $537,426,000 | 1,135 |
| Average equity | $67,091,250 | 1,098 |
| Average total loans | $365,012,000 | 1,210 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4044% | 2,164 |
| Cost of funding earning assets | 0.1804% | 6,070 |
| Net interest margin | 4.2240% | 1,191 |
| Noninterest income to average assets | 1.2431% | 758 |
| Noninterest expense to average assets | 3.3571% | 1,791 |
| Loan and lease loss provision to assets | 0.3853% | 447 |
| Net operating income to assets | 1.2734% | 1,382 |
| Return on assets (ROA) | 1.2893% | 1,397 |
| Pretax return on assets | 1.2893% | 2,296 |
| Return on Equity (ROE) | 11.7323% | 1,507 |
| Retained earnings to average equity (ytd only) | 6.2923% | 2,160 |
| Net charge-offs to loans | 0.7285% | 523 |
| Credit loss provision to net charge-offs | 87.2180% | 2,228 |
| Earnings coverage of net charge-offs (x) | 3.7549% | 3,225 |
| Efficiency ratio | 66.2363% | 4,327 |
| Assets per employee ($millions) | 3.3693% | 5,120 |
| Cash dividends to net income (ytd only)* | 46.3679% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 3,620 |
| Loan loss allowance to noncurrent loans | 56.0998% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 2.2387% | 1,343 |
| Noncurrent loans to loans | 2.3959% | 1,323 |
| Net loans and leases to total assets | 59.7119% | 3,772 |
| Net loans and leases to deposits | 68.6199% | 3,977 |
| Net loans and leases to core deposits | 70.7061% | 4,192 |
| Total domestic deposits to total assets | 87.0183% | 2,444 |
| Equity capital to assets | 11.5308% | 2,393 |
| Core capital (leverage) ratio | 10.4217% | 3,059 |
| Tier 1 risk-based capital ratio | 13.8410% | 4,355 |
| Total risk-based capital ratio | 14.9507% | 4,401 |
| Memoranda: | ||
| Average total assets | $602,180,670 | 1,110 |
| Average earning assets | $537,828,330 | 1,125 |
| Average equity | $66,176,330 | 1,105 |
| Average total loans | $365,141,670 | 1,208 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 2,322 |
| Cost of funding earning assets | 0.1826% | 6,139 |
| Net interest margin | 4.1692% | 1,299 |
| Noninterest income to average assets | 1.1448% | 853 |
| Noninterest expense to average assets | 3.3125% | 1,919 |
| Loan and lease loss provision to assets | 0.3779% | 447 |
| Net operating income to assets | 1.1780% | 1,545 |
| Return on assets (ROA) | 1.2131% | 1,508 |
| Pretax return on assets | 1.2131% | 2,431 |
| Return on Equity (ROE) | 11.3159% | 1,598 |
| Retained earnings to average equity (ytd only) | 6.0599% | 2,506 |
| Net charge-offs to loans | 0.9371% | 372 |
| Credit loss provision to net charge-offs | 66.4336% | 2,040 |
| Earnings coverage of net charge-offs (x) | 2.7354% | 2,811 |
| Efficiency ratio | 67.3339% | 4,310 |
| Assets per employee ($millions) | 3.3417% | 5,271 |
| Cash dividends to net income (ytd only)* | 46.4481% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 4,083 |
| Loan loss allowance to noncurrent loans | 61.1325% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.9368% | 1,776 |
| Noncurrent loans to loans | 2.1411% | 1,708 |
| Net loans and leases to total assets | 58.3818% | 3,788 |
| Net loans and leases to deposits | 66.5177% | 4,023 |
| Net loans and leases to core deposits | 68.4935% | 4,257 |
| Total domestic deposits to total assets | 87.7688% | 2,367 |
| Equity capital to assets | 10.7119% | 3,026 |
| Core capital (leverage) ratio | 10.2032% | 3,287 |
| Tier 1 risk-based capital ratio | 13.6037% | 4,606 |
| Total risk-based capital ratio | 14.6890% | 4,671 |
| Memoranda: | ||
| Average total assets | $603,405,500 | 1,119 |
| Average earning assets | $538,898,000 | 1,135 |
| Average equity | $64,687,500 | 1,129 |
| Average total loans | $366,217,500 | 1,209 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 2,007 |
| Cost of funding earning assets | 0.2303% | 6,100 |
| Net interest margin | 4.3271% | 1,044 |
| Noninterest income to average assets | 1.3568% | 759 |
| Noninterest expense to average assets | 3.4347% | 1,807 |
| Loan and lease loss provision to assets | 0.8279% | 250 |
| Net operating income to assets | 0.9755% | 2,438 |
| Return on assets (ROA) | 1.0733% | 2,108 |
| Pretax return on assets | 1.0733% | 3,055 |
| Return on Equity (ROE) | 9.3616% | 2,385 |
| Retained earnings to average equity (ytd only) | 4.5495% | 2,924 |
| Net charge-offs to loans | 1.3616% | 362 |
| Credit loss provision to net charge-offs | 99.5813% | 2,493 |
| Earnings coverage of net charge-offs (x) | 2.1691% | 4,305 |
| Efficiency ratio | 65.0464% | 4,722 |
| Assets per employee ($millions) | 3.2524% | 5,385 |
| Cash dividends to net income (ytd only)* | 51.4026% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 3,801 |
| Loan loss allowance to noncurrent loans | 60.1501% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 2.0956% | 1,708 |
| Noncurrent loans to loans | 2.2766% | 1,696 |
| Net loans and leases to total assets | 61.4340% | 3,453 |
| Net loans and leases to deposits | 70.0009% | 3,784 |
| Net loans and leases to core deposits | 72.3494% | 4,026 |
| Total domestic deposits to total assets | 87.7617% | 2,327 |
| Equity capital to assets | 10.7292% | 2,901 |
| Core capital (leverage) ratio | 10.4118% | 3,008 |
| Tier 1 risk-based capital ratio | 13.3245% | 4,771 |
| Total risk-based capital ratio | 14.4716% | 4,780 |
| Memoranda: | ||
| Average total assets | $574,584,400 | 1,155 |
| Average earning assets | $515,380,400 | 1,176 |
| Average equity | $65,875,600 | 1,091 |
| Average total loans | $350,843,000 | 1,218 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 1,990 |
| Cost of funding earning assets | 0.2423% | 6,138 |
| Net interest margin | 4.3231% | 1,043 |
| Noninterest income to average assets | 1.3421% | 815 |
| Noninterest expense to average assets | 3.5037% | 1,605 |
| Loan and lease loss provision to assets | 0.5726% | 439 |
| Net operating income to assets | 1.1415% | 1,847 |
| Return on assets (ROA) | 1.2822% | 1,463 |
| Pretax return on assets | 1.2822% | 2,400 |
| Return on Equity (ROE) | 11.0007% | 1,814 |
| Retained earnings to average equity (ytd only) | 4.6418% | 3,363 |
| Net charge-offs to loans | 0.9415% | 613 |
| Credit loss provision to net charge-offs | 100.1226% | 2,332 |
| Earnings coverage of net charge-offs (x) | 2.9971% | 3,837 |
| Efficiency ratio | 66.6248% | 4,367 |
| Assets per employee ($millions) | 3.1190% | 5,640 |
| Cash dividends to net income (ytd only)* | 57.8045% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 3,646 |
| Loan loss allowance to noncurrent loans | 32.8646% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 3.0172% | 1,225 |
| Noncurrent loans to loans | 4.4384% | 743 |
| Net loans and leases to total assets | 61.7161% | 3,416 |
| Net loans and leases to deposits | 70.8204% | 3,664 |
| Net loans and leases to core deposits | 73.3584% | 3,926 |
| Total domestic deposits to total assets | 87.1446% | 2,608 |
| Equity capital to assets | 11.2475% | 2,515 |
| Core capital (leverage) ratio | 10.5141% | 2,991 |
| Tier 1 risk-based capital ratio | 14.3364% | 4,192 |
| Total risk-based capital ratio | 15.5865% | 4,137 |
| Memoranda: | ||
| Average total assets | $570,244,750 | 1,177 |
| Average earning assets | $511,223,750 | 1,201 |
| Average equity | $66,466,750 | 1,093 |
| Average total loans | $346,378,000 | 1,230 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 2,039 |
| Cost of funding earning assets | 0.2495% | 6,173 |
| Net interest margin | 4.2977% | 1,040 |
| Noninterest income to average assets | 1.2725% | 953 |
| Noninterest expense to average assets | 3.4409% | 1,736 |
| Loan and lease loss provision to assets | 0.5681% | 455 |
| Net operating income to assets | 1.1264% | 1,830 |
| Return on assets (ROA) | 1.3302% | 1,324 |
| Pretax return on assets | 1.3302% | 2,190 |
| Return on Equity (ROE) | 11.2849% | 1,723 |
| Retained earnings to average equity (ytd only) | 5.5864% | 2,683 |
| Net charge-offs to loans | 1.0609% | 567 |
| Credit loss provision to net charge-offs | 89.0463% | 2,464 |
| Earnings coverage of net charge-offs (x) | 2.6561% | 3,633 |
| Efficiency ratio | 66.4545% | 4,463 |
| Assets per employee ($millions) | 3.1725% | 5,539 |
| Cash dividends to net income (ytd only)* | 50.4966% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 4,036 |
| Loan loss allowance to noncurrent loans | 29.5693% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 3.2433% | 1,223 |
| Noncurrent loans to loans | 4.7315% | 708 |
| Net loans and leases to total assets | 60.4139% | 3,590 |
| Net loans and leases to deposits | 69.1105% | 3,843 |
| Net loans and leases to core deposits | 71.4751% | 4,113 |
| Total domestic deposits to total assets | 87.4164% | 2,581 |
| Equity capital to assets | 11.5103% | 2,285 |
| Core capital (leverage) ratio | 10.1762% | 3,269 |
| Tier 1 risk-based capital ratio | 14.0463% | 4,387 |
| Total risk-based capital ratio | 15.2362% | 4,397 |
| Memoranda: | ||
| Average total assets | $575,263,330 | 1,168 |
| Average earning assets | $517,062,330 | 1,194 |
| Average equity | $67,807,330 | 1,064 |
| Average total loans | $345,933,000 | 1,223 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5072% | 2,141 |
| Cost of funding earning assets | 0.2582% | 6,233 |
| Net interest margin | 4.2490% | 1,075 |
| Noninterest income to average assets | 1.2609% | 962 |
| Noninterest expense to average assets | 3.4469% | 1,730 |
| Loan and lease loss provision to assets | 0.8616% | 238 |
| Net operating income to assets | 0.7842% | 3,253 |
| Return on assets (ROA) | 0.9293% | 2,666 |
| Pretax return on assets | 0.9293% | 3,651 |
| Return on Equity (ROE) | 7.7939% | 3,080 |
| Retained earnings to average equity (ytd only) | 1.8079% | 5,089 |
| Net charge-offs to loans | 0.1624% | 2,428 |
| Credit loss provision to net charge-offs | 890.7143% | 342 |
| Earnings coverage of net charge-offs (x) | 17.0143% | 1,339 |
| Efficiency ratio | 67.1415% | 4,468 |
| Assets per employee ($millions) | 3.3273% | 5,380 |
| Cash dividends to net income (ytd only)* | 76.8030% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 2,637 |
| Loan loss allowance to noncurrent loans | 46.1584% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 2.6734% | 1,698 |
| Noncurrent loans to loans | 3.8900% | 1,177 |
| Net loans and leases to total assets | 58.3441% | 3,732 |
| Net loans and leases to deposits | 66.8329% | 3,931 |
| Net loans and leases to core deposits | 69.1328% | 4,171 |
| Total domestic deposits to total assets | 87.2985% | 2,759 |
| Equity capital to assets | 11.8415% | 2,145 |
| Core capital (leverage) ratio | 9.8681% | 3,577 |
| Tier 1 risk-based capital ratio | 13.9776% | 4,523 |
| Total risk-based capital ratio | 15.2311% | 4,480 |
| Memoranda: | ||
| Average total assets | $578,954,500 | 1,166 |
| Average earning assets | $522,100,000 | 1,187 |
| Average equity | $69,028,500 | 1,055 |
| Average total loans | $344,926,000 | 1,231 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 2,246 |
| Cost of funding earning assets | 0.3704% | 6,105 |
| Net interest margin | 4.4172% | 1,126 |
| Noninterest income to average assets | 0.8429% | 2,072 |
| Noninterest expense to average assets | 3.3676% | 2,134 |
| Loan and lease loss provision to assets | 0.2529% | 2,633 |
| Net operating income to assets | 1.1783% | 1,669 |
| Return on assets (ROA) | 1.4267% | 1,170 |
| Pretax return on assets | 1.4267% | 1,947 |
| Return on Equity (ROE) | 12.7486% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.7486% | 266 |
| Net charge-offs to loans | 1.2739% | 766 |
| Credit loss provision to net charge-offs | 33.0691% | 5,061 |
| Earnings coverage of net charge-offs (x) | 1.8713% | 4,493 |
| Efficiency ratio | 69.5665% | 3,888 |
| Assets per employee ($millions) | 3.3857% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 3,884 |
| Loan loss allowance to noncurrent loans | 37.2447% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.6936% | 1,792 |
| Noncurrent loans to loans | 3.9348% | 1,209 |
| Net loans and leases to total assets | 58.8684% | 3,824 |
| Net loans and leases to deposits | 67.6877% | 4,029 |
| Net loans and leases to core deposits | 70.1740% | 4,286 |
| Total domestic deposits to total assets | 86.9705% | 2,858 |
| Equity capital to assets | 12.0044% | 2,047 |
| Core capital (leverage) ratio | 9.8239% | 3,636 |
| Tier 1 risk-based capital ratio | 13.9477% | 4,409 |
| Total risk-based capital ratio | 15.1980% | 4,383 |
| Memoranda: | ||
| Average total assets | $577,296,200 | 1,150 |
| Average earning assets | $517,000,200 | 1,172 |
| Average equity | $64,603,400 | 1,096 |
| Average total loans | $346,564,000 | 1,214 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 2,300 |
| Cost of funding earning assets | 0.3980% | 6,132 |
| Net interest margin | 4.4255% | 1,148 |
| Noninterest income to average assets | 0.6744% | 2,859 |
| Noninterest expense to average assets | 3.3698% | 2,086 |
| Loan and lease loss provision to assets | 0.2475% | 2,584 |
| Net operating income to assets | 1.0153% | 2,424 |
| Return on assets (ROA) | 1.2753% | 1,656 |
| Pretax return on assets | 1.2753% | 2,689 |
| Return on Equity (ROE) | 11.6081% | 1,755 |
| Retained earnings to average equity (ytd only) | 11.6081% | 591 |
| Net charge-offs to loans | 1.1617% | 861 |
| Credit loss provision to net charge-offs | 35.4518% | 4,710 |
| Earnings coverage of net charge-offs (x) | 1.8087% | 4,359 |
| Efficiency ratio | 72.0964% | 3,306 |
| Assets per employee ($millions) | 3.2166% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 2,867 |
| Loan loss allowance to noncurrent loans | 37.0834% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 3.1943% | 1,611 |
| Noncurrent loans to loans | 4.7942% | 962 |
| Net loans and leases to total assets | 59.6252% | 3,852 |
| Net loans and leases to deposits | 68.6196% | 4,081 |
| Net loans and leases to core deposits | 71.9566% | 4,255 |
| Total domestic deposits to total assets | 86.8924% | 2,741 |
| Equity capital to assets | 11.9739% | 2,280 |
| Core capital (leverage) ratio | 9.3999% | 4,433 |
| Tier 1 risk-based capital ratio | 13.5300% | 4,866 |
| Total risk-based capital ratio | 14.7838% | 4,820 |
| Memoranda: | ||
| Average total assets | $576,881,250 | 1,162 |
| Average earning assets | $515,964,250 | 1,189 |
| Average equity | $63,379,250 | 1,132 |
| Average total loans | $346,732,250 | 1,222 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8167% | 2,444 |
| Cost of funding earning assets | 0.4229% | 6,142 |
| Net interest margin | 4.3937% | 1,217 |
| Noninterest income to average assets | 0.5021% | 3,910 |
| Noninterest expense to average assets | 3.3397% | 2,184 |
| Loan and lease loss provision to assets | 0.2387% | 2,680 |
| Net operating income to assets | 0.8502% | 3,143 |
| Return on assets (ROA) | 1.1009% | 2,266 |
| Pretax return on assets | 1.1009% | 3,300 |
| Return on Equity (ROE) | 10.3194% | 2,230 |
| Retained earnings to average equity (ytd only) | 10.3194% | 885 |
| Net charge-offs to loans | 1.3255% | 797 |
| Credit loss provision to net charge-offs | 30.0563% | 4,443 |
| Earnings coverage of net charge-offs (x) | 1.3712% | 4,322 |
| Efficiency ratio | 74.7379% | 2,944 |
| Assets per employee ($millions) | 3.3525% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8526% | 2,696 |
| Loan loss allowance to noncurrent loans | 36.9133% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 3.5329% | 1,507 |
| Noncurrent loans to loans | 5.0188% | 980 |
| Net loans and leases to total assets | 58.2147% | 4,124 |
| Net loans and leases to deposits | 66.1545% | 4,490 |
| Net loans and leases to core deposits | 69.7113% | 4,564 |
| Total domestic deposits to total assets | 87.9982% | 2,146 |
| Equity capital to assets | 11.0617% | 3,052 |
| Core capital (leverage) ratio | 8.9311% | 5,007 |
| Tier 1 risk-based capital ratio | 12.7561% | 5,373 |
| Total risk-based capital ratio | 14.0107% | 5,343 |
| Memoranda: | ||
| Average total assets | $581,541,330 | 1,153 |
| Average earning assets | $519,693,000 | 1,177 |
| Average equity | $62,038,670 | 1,147 |
| Average total loans | $348,407,670 | 1,203 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 2,298 |
| Cost of funding earning assets | 0.4530% | 6,128 |
| Net interest margin | 4.4339% | 1,153 |
| Noninterest income to average assets | 0.7660% | 2,316 |
| Noninterest expense to average assets | 3.3315% | 2,196 |
| Loan and lease loss provision to assets | 0.2411% | 2,537 |
| Net operating income to assets | 1.1442% | 1,902 |
| Return on assets (ROA) | 1.2255% | 1,848 |
| Pretax return on assets | 1.2255% | 2,814 |
| Return on Equity (ROE) | 11.7050% | 1,767 |
| Retained earnings to average equity (ytd only) | 11.7050% | 875 |
| Net charge-offs to loans | 1.8432% | 516 |
| Credit loss provision to net charge-offs | 21.7256% | 3,748 |
| Earnings coverage of net charge-offs (x) | 1.2483% | 3,711 |
| Efficiency ratio | 70.0015% | 3,806 |
| Assets per employee ($millions) | 3.4597% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 2,501 |
| Loan loss allowance to noncurrent loans | 39.8609% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 3.7707% | 1,485 |
| Noncurrent loans to loans | 4.9103% | 1,152 |
| Net loans and leases to total assets | 57.9474% | 4,047 |
| Net loans and leases to deposits | 65.7036% | 4,420 |
| Net loans and leases to core deposits | 69.4424% | 4,508 |
| Total domestic deposits to total assets | 88.1951% | 2,189 |
| Equity capital to assets | 10.5461% | 3,435 |
| Core capital (leverage) ratio | 8.6566% | 5,365 |
| Tier 1 risk-based capital ratio | 12.3808% | 5,697 |
| Total risk-based capital ratio | 13.6364% | 5,651 |
| Memoranda: | ||
| Average total assets | $580,643,500 | 1,164 |
| Average earning assets | $517,382,500 | 1,183 |
| Average equity | $60,794,500 | 1,170 |
| Average total loans | $349,612,500 | 1,202 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2092% | 2,019 |
| Cost of funding earning assets | 0.6599% | 5,771 |
| Net interest margin | 4.5493% | 1,027 |
| Noninterest income to average assets | 1.0200% | 1,309 |
| Noninterest expense to average assets | 3.4529% | 2,113 |
| Loan and lease loss provision to assets | 0.7127% | 1,435 |
| Net operating income to assets | 0.8986% | 2,609 |
| Return on assets (ROA) | 1.0567% | 2,122 |
| Pretax return on assets | 1.0567% | 3,011 |
| Return on Equity (ROE) | 11.4971% | 1,559 |
| Retained earnings to average equity (ytd only) | 11.4971% | 347 |
| Net charge-offs to loans | 4.4225% | 110 |
| Credit loss provision to net charge-offs | 25.2181% | 5,851 |
| Earnings coverage of net charge-offs (x) | 0.5701% | 5,403 |
| Efficiency ratio | 67.5633% | 4,453 |
| Assets per employee ($millions) | 3.3523% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2692% | 1,676 |
| Loan loss allowance to noncurrent loans | 41.4001% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 4.7147% | 1,158 |
| Noncurrent loans to loans | 5.4812% | 967 |
| Net loans and leases to total assets | 59.9420% | 4,001 |
| Net loans and leases to deposits | 67.8340% | 4,464 |
| Net loans and leases to core deposits | 71.3636% | 4,610 |
| Total domestic deposits to total assets | 88.3657% | 1,929 |
| Equity capital to assets | 10.3932% | 3,662 |
| Core capital (leverage) ratio | 8.3606% | 5,763 |
| Tier 1 risk-based capital ratio | 11.6265% | 6,068 |
| Total risk-based capital ratio | 12.8856% | 6,056 |
| Memoranda: | ||
| Average total assets | $579,923,600 | 1,133 |
| Average earning assets | $515,534,400 | 1,166 |
| Average equity | $53,300,400 | 1,275 |
| Average total loans | $370,579,800 | 1,144 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2837% | 1,928 |
| Cost of funding earning assets | 0.7060% | 5,722 |
| Net interest margin | 4.5777% | 990 |
| Noninterest income to average assets | 1.0338% | 1,264 |
| Noninterest expense to average assets | 3.3872% | 2,224 |
| Loan and lease loss provision to assets | 0.7606% | 1,248 |
| Net operating income to assets | 0.9587% | 2,490 |
| Return on assets (ROA) | 1.0804% | 2,186 |
| Pretax return on assets | 1.0804% | 3,095 |
| Return on Equity (ROE) | 12.1496% | 1,508 |
| Retained earnings to average equity (ytd only) | 12.1496% | 486 |
| Net charge-offs to loans | 5.6365% | 68 |
| Credit loss provision to net charge-offs | 20.9088% | 5,546 |
| Earnings coverage of net charge-offs (x) | 0.4726% | 5,266 |
| Efficiency ratio | 65.7106% | 4,769 |
| Assets per employee ($millions) | 3.2769% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1624% | 1,935 |
| Loan loss allowance to noncurrent loans | 42.4208% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 4.9716% | 1,163 |
| Noncurrent loans to loans | 5.0974% | 1,206 |
| Net loans and leases to total assets | 61.4913% | 3,854 |
| Net loans and leases to deposits | 70.0440% | 4,297 |
| Net loans and leases to core deposits | 73.9408% | 4,451 |
| Total domestic deposits to total assets | 87.7895% | 2,172 |
| Equity capital to assets | 10.0848% | 4,227 |
| Core capital (leverage) ratio | 7.7768% | 6,586 |
| Tier 1 risk-based capital ratio | 10.6136% | 6,730 |
| Total risk-based capital ratio | 11.8714% | 6,713 |
| Memoranda: | ||
| Average total assets | $580,755,500 | 1,137 |
| Average earning assets | $516,698,250 | 1,173 |
| Average equity | $51,643,750 | 1,319 |
| Average total loans | $374,812,750 | 1,146 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2755% | 1,975 |
| Cost of funding earning assets | 0.7450% | 5,702 |
| Net interest margin | 4.5305% | 1,056 |
| Noninterest income to average assets | 0.9865% | 1,362 |
| Noninterest expense to average assets | 3.3008% | 2,558 |
| Loan and lease loss provision to assets | 0.5408% | 1,799 |
| Net operating income to assets | 1.1830% | 1,624 |
| Return on assets (ROA) | 1.3103% | 1,360 |
| Pretax return on assets | 1.3103% | 2,108 |
| Return on Equity (ROE) | 15.4071% | 735 |
| Retained earnings to average equity (ytd only) | 15.4071% | 227 |
| Net charge-offs to loans | 6.8457% | 60 |
| Credit loss provision to net charge-offs | 12.1380% | 5,225 |
| Earnings coverage of net charge-offs (x) | 0.3869% | 5,013 |
| Efficiency ratio | 65.0589% | 5,050 |
| Assets per employee ($millions) | 3.3804% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3999% | 1,590 |
| Loan loss allowance to noncurrent loans | 40.9274% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 4.8845% | 1,260 |
| Noncurrent loans to loans | 5.8639% | 1,038 |
| Net loans and leases to total assets | 61.8595% | 3,910 |
| Net loans and leases to deposits | 69.9869% | 4,441 |
| Net loans and leases to core deposits | 74.1799% | 4,558 |
| Total domestic deposits to total assets | 88.3872% | 1,924 |
| Equity capital to assets | 9.2268% | 5,238 |
| Core capital (leverage) ratio | 7.4425% | 6,781 |
| Tier 1 risk-based capital ratio | 10.2057% | 6,913 |
| Total risk-based capital ratio | 11.4667% | 6,895 |
| Memoranda: | ||
| Average total assets | $584,282,330 | 1,140 |
| Average earning assets | $520,784,000 | 1,170 |
| Average equity | $49,691,330 | 1,359 |
| Average total loans | $380,298,000 | 1,148 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2663% | 1,989 |
| Cost of funding earning assets | 0.7961% | 5,592 |
| Net interest margin | 4.4702% | 1,132 |
| Noninterest income to average assets | 1.0667% | 1,153 |
| Noninterest expense to average assets | 3.1831% | 2,951 |
| Loan and lease loss provision to assets | 0.5395% | 1,605 |
| Net operating income to assets | 1.3358% | 1,184 |
| Return on assets (ROA) | 1.4000% | 1,102 |
| Pretax return on assets | 1.4000% | 1,723 |
| Return on Equity (ROE) | 17.1859% | 545 |
| Retained earnings to average equity (ytd only) | 17.1859% | 267 |
| Net charge-offs to loans | 11.7538% | 26 |
| Credit loss provision to net charge-offs | 6.9616% | 4,411 |
| Earnings coverage of net charge-offs (x) | 0.2420% | 4,432 |
| Efficiency ratio | 62.2924% | 5,636 |
| Assets per employee ($millions) | 3.5121% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6001% | 1,311 |
| Loan loss allowance to noncurrent loans | 46.8827% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 4.6800% | 1,368 |
| Noncurrent loans to loans | 5.5460% | 1,174 |
| Net loans and leases to total assets | 62.4727% | 3,764 |
| Net loans and leases to deposits | 69.2843% | 4,474 |
| Net loans and leases to core deposits | 74.1539% | 4,524 |
| Total domestic deposits to total assets | 90.1687% | 1,048 |
| Equity capital to assets | 8.4291% | 6,016 |
| Core capital (leverage) ratio | 7.0445% | 6,988 |
| Tier 1 risk-based capital ratio | 9.5021% | 7,141 |
| Total risk-based capital ratio | 10.7650% | 7,144 |
| Memoranda: | ||
| Average total assets | $585,710,500 | 1,144 |
| Average earning assets | $523,022,000 | 1,173 |
| Average equity | $47,713,500 | 1,403 |
| Average total loans | $386,191,500 | 1,139 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4912% | 2,321 |
| Cost of funding earning assets | 1.1182% | 5,034 |
| Net interest margin | 4.3730% | 1,579 |
| Noninterest income to average assets | 0.3957% | 4,935 |
| Noninterest expense to average assets | 3.1459% | 3,291 |
| Loan and lease loss provision to assets | 4.0553% | 156 |
| Net operating income to assets | -2.9292% | 7,283 |
| Return on assets (ROA) | -2.5972% | 7,225 |
| Pretax return on assets | -2.5972% | 7,196 |
| Return on Equity (ROE) | -25.0765% | 7,138 |
| Retained earnings to average equity (ytd only) | -26.2643% | 7,145 |
| Net charge-offs to loans | 2.8524% | 609 |
| Credit loss provision to net charge-offs | 207.4239% | 1,484 |
| Earnings coverage of net charge-offs (x) | 0.5760% | 5,528 |
| Efficiency ratio | 72.8785% | 3,621 |
| Assets per employee ($millions) | 3.4817% | 4,979 |
| Cash dividends to net income (ytd only)* | -4.7367% | 7,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0902% | 181 |
| Loan loss allowance to noncurrent loans | 88.2550% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 4.9880% | 1,288 |
| Noncurrent loans to loans | 5.7676% | 1,103 |
| Net loans and leases to total assets | 64.2675% | 3,817 |
| Net loans and leases to deposits | 71.5379% | 4,603 |
| Net loans and leases to core deposits | 78.1662% | 4,441 |
| Total domestic deposits to total assets | 89.8370% | 1,193 |
| Equity capital to assets | 7.8660% | 6,625 |
| Core capital (leverage) ratio | 6.4935% | 7,193 |
| Tier 1 risk-based capital ratio | 8.7862% | 7,278 |
| Total risk-based capital ratio | 10.0783% | 7,281 |
| Memoranda: | ||
| Average total assets | $596,650,400 | 1,126 |
| Average earning assets | $528,883,600 | 1,159 |
| Average equity | $61,795,000 | 1,080 |
| Average total loans | $408,950,800 | 1,104 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5140% | 2,381 |
| Cost of funding earning assets | 1.1764% | 5,000 |
| Net interest margin | 4.3376% | 1,721 |
| Noninterest income to average assets | 0.8184% | 2,136 |
| Noninterest expense to average assets | 3.1690% | 3,034 |
| Loan and lease loss provision to assets | 2.2016% | 511 |
| Net operating income to assets | -0.7160% | 6,740 |
| Return on assets (ROA) | -0.3663% | 6,531 |
| Pretax return on assets | -0.3663% | 6,461 |
| Return on Equity (ROE) | -3.3397% | 6,520 |
| Retained earnings to average equity (ytd only) | -4.8299% | 6,547 |
| Net charge-offs to loans | 2.5530% | 654 |
| Credit loss provision to net charge-offs | 125.4409% | 3,262 |
| Earnings coverage of net charge-offs (x) | 0.8465% | 5,204 |
| Efficiency ratio | 67.3748% | 4,589 |
| Assets per employee ($millions) | 3.4567% | 5,088 |
| Cash dividends to net income (ytd only)* | -44.6199% | 7,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4419% | 1,410 |
| Loan loss allowance to noncurrent loans | 38.9779% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 5.4397% | 1,141 |
| Noncurrent loans to loans | 6.2647% | 967 |
| Net loans and leases to total assets | 64.4271% | 4,033 |
| Net loans and leases to deposits | 73.9792% | 4,514 |
| Net loans and leases to core deposits | 82.6341% | 4,147 |
| Total domestic deposits to total assets | 87.0882% | 2,475 |
| Equity capital to assets | 10.6517% | 3,345 |
| Core capital (leverage) ratio | 8.8833% | 4,870 |
| Tier 1 risk-based capital ratio | 11.3607% | 6,047 |
| Total risk-based capital ratio | 12.6215% | 6,022 |
| Memoranda: | ||
| Average total assets | $598,711,000 | 1,128 |
| Average earning assets | $529,495,500 | 1,166 |
| Average equity | $65,672,750 | 1,018 |
| Average total loans | $411,579,500 | 1,104 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5686% | 2,259 |
| Cost of funding earning assets | 1.2237% | 4,994 |
| Net interest margin | 4.3449% | 1,616 |
| Noninterest income to average assets | 1.0445% | 1,237 |
| Noninterest expense to average assets | 3.1429% | 3,129 |
| Loan and lease loss provision to assets | 1.1313% | 1,272 |
| Net operating income to assets | 0.6087% | 3,843 |
| Return on assets (ROA) | 0.7489% | 3,352 |
| Pretax return on assets | 0.7489% | 4,070 |
| Return on Equity (ROE) | 6.7610% | 3,418 |
| Retained earnings to average equity (ytd only) | 4.5396% | 3,184 |
| Net charge-offs to loans | 1.2271% | 1,557 |
| Credit loss provision to net charge-offs | 132.3529% | 3,043 |
| Earnings coverage of net charge-offs (x) | 2.0357% | 4,006 |
| Efficiency ratio | 63.6782% | 5,392 |
| Assets per employee ($millions) | 3.3790% | 5,243 |
| Cash dividends to net income (ytd only)* | 32.8559% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0885% | 1,985 |
| Loan loss allowance to noncurrent loans | 38.1671% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 5.3869% | 1,159 |
| Noncurrent loans to loans | 5.4721% | 1,206 |
| Net loans and leases to total assets | 67.9826% | 3,366 |
| Net loans and leases to deposits | 79.5328% | 3,682 |
| Net loans and leases to core deposits | 89.3190% | 3,368 |
| Total domestic deposits to total assets | 85.4775% | 3,379 |
| Equity capital to assets | 11.4464% | 2,487 |
| Core capital (leverage) ratio | 9.5336% | 3,772 |
| Tier 1 risk-based capital ratio | 11.9790% | 5,333 |
| Total risk-based capital ratio | 13.2364% | 5,290 |
| Memoranda: | ||
| Average total assets | $596,639,000 | 1,137 |
| Average earning assets | $527,102,670 | 1,172 |
| Average equity | $66,085,330 | 1,003 |
| Average total loans | $415,608,670 | 1,097 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4941% | 2,610 |
| Cost of funding earning assets | 1.2457% | 5,141 |
| Net interest margin | 4.2484% | 1,858 |
| Noninterest income to average assets | 1.1767% | 883 |
| Noninterest expense to average assets | 3.3559% | 2,360 |
| Loan and lease loss provision to assets | 1.0793% | 1,142 |
| Net operating income to assets | 0.4952% | 4,414 |
| Return on assets (ROA) | 0.5640% | 4,207 |
| Pretax return on assets | 0.5640% | 4,738 |
| Return on Equity (ROE) | 5.1773% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.1773% | 3,054 |
| Net charge-offs to loans | 0.9126% | 1,756 |
| Credit loss provision to net charge-offs | 169.4969% | 2,148 |
| Earnings coverage of net charge-offs (x) | 2.4727% | 3,307 |
| Efficiency ratio | 67.3887% | 4,835 |
| Assets per employee ($millions) | 3.4421% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0278% | 2,112 |
| Loan loss allowance to noncurrent loans | 39.1667% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 5.0320% | 1,272 |
| Noncurrent loans to loans | 5.1774% | 1,388 |
| Net loans and leases to total assets | 67.4786% | 3,511 |
| Net loans and leases to deposits | 78.7934% | 3,881 |
| Net loans and leases to core deposits | 89.6682% | 3,410 |
| Total domestic deposits to total assets | 85.6399% | 3,348 |
| Equity capital to assets | 10.9660% | 2,796 |
| Core capital (leverage) ratio | 9.3938% | 3,918 |
| Tier 1 risk-based capital ratio | 11.5072% | 5,666 |
| Total risk-based capital ratio | 12.7634% | 5,635 |
| Memoranda: | ||
| Average total assets | $599,297,000 | 1,155 |
| Average earning assets | $529,518,000 | 1,200 |
| Average equity | $65,285,500 | 1,021 |
| Average total loans | $418,127,000 | 1,120 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1238% | 1,453 |
| Cost of funding earning assets | 1.6908% | 4,566 |
| Net interest margin | 4.4330% | 1,337 |
| Noninterest income to average assets | 1.2420% | 977 |
| Noninterest expense to average assets | 3.5819% | 2,193 |
| Loan and lease loss provision to assets | 1.8114% | 1,245 |
| Net operating income to assets | -0.2303% | 5,875 |
| Return on assets (ROA) | -0.0122% | 5,554 |
| Pretax return on assets | -0.0122% | 5,468 |
| Return on Equity (ROE) | -0.1114% | 5,553 |
| Retained earnings to average equity (ytd only) | -4.0000% | 5,859 |
| Net charge-offs to loans | 1.6520% | 1,531 |
| Credit loss provision to net charge-offs | 152.8723% | 2,998 |
| Earnings coverage of net charge-offs (x) | 1.3344% | 4,799 |
| Efficiency ratio | 68.4753% | 4,926 |
| Assets per employee ($millions) | 3.3496% | 5,378 |
| Cash dividends to net income (ytd only)* | -3,491.7808% | 8,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8392% | 2,426 |
| Loan loss allowance to noncurrent loans | 43.1563% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 4.4911% | 1,432 |
| Noncurrent loans to loans | 4.2618% | 1,706 |
| Net loans and leases to total assets | 69.3732% | 3,398 |
| Net loans and leases to deposits | 81.3122% | 3,736 |
| Net loans and leases to core deposits | 91.5600% | 4,943 |
| Total domestic deposits to total assets | 85.3171% | 3,403 |
| Equity capital to assets | 10.8207% | 2,849 |
| Core capital (leverage) ratio | 9.1071% | 4,259 |
| Tier 1 risk-based capital ratio | 11.1704% | 5,757 |
| Total risk-based capital ratio | 12.4246% | 5,708 |
| Memoranda: | ||
| Average total assets | $597,927,000 | 1,157 |
| Average earning assets | $528,873,000 | 1,201 |
| Average equity | $65,550,400 | 1,010 |
| Average total loans | $428,869,000 | 1,116 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2129% | 1,343 |
| Cost of funding earning assets | 1.7757% | 4,503 |
| Net interest margin | 4.4373% | 1,347 |
| Noninterest income to average assets | 1.2367% | 1,010 |
| Noninterest expense to average assets | 3.3527% | 2,720 |
| Loan and lease loss provision to assets | 1.5741% | 1,205 |
| Net operating income to assets | 0.2373% | 5,030 |
| Return on assets (ROA) | 0.3904% | 4,536 |
| Pretax return on assets | 0.3904% | 4,822 |
| Return on Equity (ROE) | 3.5496% | 4,554 |
| Retained earnings to average equity (ytd only) | -1.5276% | 5,619 |
| Net charge-offs to loans | 1.4477% | 1,430 |
| Credit loss provision to net charge-offs | 151.0370% | 3,177 |
| Earnings coverage of net charge-offs (x) | 1.7381% | 4,494 |
| Efficiency ratio | 63.9396% | 5,768 |
| Assets per employee ($millions) | 3.3911% | 5,183 |
| Cash dividends to net income (ytd only)* | 143.0366% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 3,561 |
| Loan loss allowance to noncurrent loans | 39.2423% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 4.4152% | 1,391 |
| Noncurrent loans to loans | 3.7673% | 1,973 |
| Net loans and leases to total assets | 69.7760% | 3,571 |
| Net loans and leases to deposits | 83.8388% | 3,677 |
| Net loans and leases to core deposits | 94.4504% | 4,978 |
| Total domestic deposits to total assets | 83.2264% | 4,102 |
| Equity capital to assets | 10.9440% | 3,066 |
| Core capital (leverage) ratio | 9.4470% | 3,981 |
| Tier 1 risk-based capital ratio | 11.2683% | 5,662 |
| Total risk-based capital ratio | 12.5186% | 5,613 |
| Memoranda: | ||
| Average total assets | $598,351,250 | 1,168 |
| Average earning assets | $529,591,750 | 1,211 |
| Average equity | $65,809,000 | 1,019 |
| Average total loans | $430,742,750 | 1,131 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3257% | 1,148 |
| Cost of funding earning assets | 1.8643% | 4,446 |
| Net interest margin | 4.4614% | 1,262 |
| Noninterest income to average assets | 1.2330% | 1,016 |
| Noninterest expense to average assets | 3.4687% | 2,431 |
| Loan and lease loss provision to assets | 1.5217% | 1,124 |
| Net operating income to assets | 0.1868% | 5,313 |
| Return on assets (ROA) | 0.3644% | 4,738 |
| Pretax return on assets | 0.3644% | 5,031 |
| Return on Equity (ROE) | 3.3080% | 4,785 |
| Retained earnings to average equity (ytd only) | -2.8070% | 5,932 |
| Net charge-offs to loans | 1.3003% | 1,421 |
| Credit loss provision to net charge-offs | 161.6732% | 2,841 |
| Earnings coverage of net charge-offs (x) | 1.8152% | 4,204 |
| Efficiency ratio | 65.8499% | 5,570 |
| Assets per employee ($millions) | 3.1536% | 5,711 |
| Cash dividends to net income (ytd only)* | 184.8569% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 4,177 |
| Loan loss allowance to noncurrent loans | 43.1531% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 3.8477% | 1,575 |
| Noncurrent loans to loans | 3.0528% | 2,354 |
| Net loans and leases to total assets | 71.6225% | 3,313 |
| Net loans and leases to deposits | 86.1470% | 3,531 |
| Net loans and leases to core deposits | 97.0785% | 4,778 |
| Total domestic deposits to total assets | 83.1398% | 4,175 |
| Equity capital to assets | 10.7221% | 3,182 |
| Core capital (leverage) ratio | 9.3704% | 4,071 |
| Tier 1 risk-based capital ratio | 11.1906% | 5,682 |
| Total risk-based capital ratio | 12.3421% | 5,703 |
| Memoranda: | ||
| Average total assets | $594,337,670 | 1,194 |
| Average earning assets | $525,443,000 | 1,238 |
| Average equity | $65,478,330 | 1,032 |
| Average total loans | $430,224,330 | 1,159 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2737% | 1,377 |
| Cost of funding earning assets | 1.9236% | 4,516 |
| Net interest margin | 4.3501% | 1,463 |
| Noninterest income to average assets | 1.2036% | 994 |
| Noninterest expense to average assets | 3.3167% | 2,606 |
| Loan and lease loss provision to assets | 1.2813% | 999 |
| Net operating income to assets | 0.4643% | 4,598 |
| Return on assets (ROA) | 0.4886% | 4,665 |
| Pretax return on assets | 0.4886% | 5,111 |
| Return on Equity (ROE) | 4.3756% | 4,760 |
| Retained earnings to average equity (ytd only) | -2.3784% | 6,170 |
| Net charge-offs to loans | 0.9049% | 1,456 |
| Credit loss provision to net charge-offs | 195.8678% | 2,256 |
| Earnings coverage of net charge-offs (x) | 2.6684% | 3,423 |
| Efficiency ratio | 63.9968% | 5,688 |
| Assets per employee ($millions) | 3.0899% | 5,918 |
| Cash dividends to net income (ytd only)* | 154.3568% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 5,121 |
| Loan loss allowance to noncurrent loans | 53.4055% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 2.8765% | 1,982 |
| Noncurrent loans to loans | 2.1537% | 3,048 |
| Net loans and leases to total assets | 70.3474% | 3,599 |
| Net loans and leases to deposits | 86.5279% | 3,547 |
| Net loans and leases to core deposits | 99.3701% | 4,603 |
| Total domestic deposits to total assets | 81.3002% | 4,839 |
| Equity capital to assets | 10.9066% | 3,062 |
| Core capital (leverage) ratio | 9.5517% | 3,918 |
| Tier 1 risk-based capital ratio | 11.4333% | 5,475 |
| Total risk-based capital ratio | 12.4381% | 5,628 |
| Memoranda: | ||
| Average total assets | $591,910,500 | 1,206 |
| Average earning assets | $525,050,500 | 1,239 |
| Average equity | $66,094,500 | 1,023 |
| Average total loans | $427,894,000 | 1,184 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9550% | 1,249 |
| Cost of funding earning assets | 2.3923% | 4,748 |
| Net interest margin | 4.5627% | 1,279 |
| Noninterest income to average assets | 1.1464% | 1,173 |
| Noninterest expense to average assets | 3.3523% | 2,815 |
| Loan and lease loss provision to assets | 0.3370% | 3,696 |
| Net operating income to assets | 1.5276% | 967 |
| Return on assets (ROA) | 1.5276% | 935 |
| Pretax return on assets | 1.5276% | 1,604 |
| Return on Equity (ROE) | 12.8954% | 1,358 |
| Retained earnings to average equity (ytd only) | 2.6549% | 3,529 |
| Net charge-offs to loans | 0.7280% | 1,697 |
| Credit loss provision to net charge-offs | 63.6607% | 6,180 |
| Earnings coverage of net charge-offs (x) | 3.5220% | 4,328 |
| Efficiency ratio | 62.9312% | 5,792 |
| Assets per employee ($millions) | 2.8355% | 6,478 |
| Cash dividends to net income (ytd only)* | 79.4121% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 6,460 |
| Loan loss allowance to noncurrent loans | 37.0055% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 2.8707% | 1,627 |
| Noncurrent loans to loans | 2.5340% | 2,146 |
| Net loans and leases to total assets | 72.7670% | 3,422 |
| Net loans and leases to deposits | 91.1645% | 3,267 |
| Net loans and leases to core deposits | 106.0975% | 4,190 |
| Total domestic deposits to total assets | 79.8195% | 5,092 |
| Equity capital to assets | 11.4355% | 2,675 |
| Core capital (leverage) ratio | 9.8264% | 3,613 |
| Tier 1 risk-based capital ratio | 11.7271% | 5,031 |
| Total risk-based capital ratio | 12.5586% | 5,328 |
| Memoranda: | ||
| Average total assets | $563,435,000 | 1,198 |
| Average earning assets | $502,660,600 | 1,224 |
| Average equity | $66,744,800 | 1,000 |
| Average total loans | $409,759,600 | 1,174 |