Home > Primis Bank > Performance and Condition Ratios
Primis Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6570% | 1,760 |
| Cost of funding earning assets | 2.3366% | 1,153 |
| Net interest margin | 3.3204% | 2,733 |
| Noninterest income to average assets | 0.8000% | 814 |
| Noninterest expense to average assets | 2.9728% | 1,181 |
| Loan and lease loss provision to assets | 0.1700% | 736 |
| Net operating income to assets | 0.5480% | 3,475 |
| Return on assets (ROA) | 0.5480% | 3,489 |
| Pretax return on assets | 0.6939% | 3,408 |
| Return on Equity (ROE) | 4.8000% | 3,583 |
| Retained earnings to average equity (ytd only) | 4.7999% | 2,626 |
| Net charge-offs to loans | 1.4461% | 101 |
| Credit loss provision to net charge-offs | 14.1251% | 1,673 |
| Earnings coverage of net charge-offs (x) | 0.7071% | 2,191 |
| Efficiency ratio | 76.4708% | 1,203 |
| Assets per employee ($millions) | 6.4000% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 1,262 |
| Loan loss allowance to noncurrent loans | 300.2182% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 1,749 |
| Noncurrent loans to loans | 0.4705% | 1,945 |
| Net loans and leases to total assets | 83.7900% | 259 |
| Net loans and leases to deposits | 96.3049% | 598 |
| Net loans and leases to core deposits | 99.9281% | 1,375 |
| Total domestic deposits to total assets | 87.0100% | 1,912 |
| Equity capital to assets | 11.4502% | 1,439 |
| Core capital (leverage) ratio | 9.7211% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2170% | 2,449 |
| Memoranda: | ||
| Average total assets | $3,677,784,500 | 365 |
| Average earning assets | $3,370,889,000 | 358 |
| Average equity | $419,928,000 | 346 |
| Average total loans | $3,125,468,000 | 316 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9151% | 1,416 |
| Cost of funding earning assets | 2.8001% | 705 |
| Net interest margin | 3.1150% | 2,912 |
| Noninterest income to average assets | 1.1100% | 516 |
| Noninterest expense to average assets | 2.8984% | 1,320 |
| Loan and lease loss provision to assets | 1.0400% | 72 |
| Net operating income to assets | 0.0219% | 4,147 |
| Return on assets (ROA) | 0.0219% | 4,176 |
| Pretax return on assets | 0.0210% | 4,165 |
| Return on Equity (ROE) | 0.1900% | 4,170 |
| Retained earnings to average equity (ytd only) | -4.1998% | 4,257 |
| Net charge-offs to loans | 1.4879% | 99 |
| Credit loss provision to net charge-offs | 81.7313% | 2,117 |
| Earnings coverage of net charge-offs (x) | 0.8433% | 2,959 |
| Efficiency ratio | 72.2807% | 1,744 |
| Assets per employee ($millions) | 6.4146% | 2,562 |
| Cash dividends to net income (ytd only)* | 2,341.9204% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 1,365 |
| Loan loss allowance to noncurrent loans | 258.2258% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 1,554 |
| Noncurrent loans to loans | 0.5341% | 1,739 |
| Net loans and leases to total assets | 83.8000% | 293 |
| Net loans and leases to deposits | 96.2353% | 700 |
| Net loans and leases to core deposits | 99.9014% | 1,454 |
| Total domestic deposits to total assets | 87.0800% | 1,841 |
| Equity capital to assets | 11.3859% | 1,428 |
| Core capital (leverage) ratio | 9.3369% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2808% | 2,446 |
| Memoranda: | ||
| Average total assets | $3,895,863,800 | 347 |
| Average earning assets | $3,564,000,400 | 337 |
| Average equity | $455,876,200 | 306 |
| Average total loans | $3,304,338,200 | 293 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8901% | 1,408 |
| Cost of funding earning assets | 2.8173% | 686 |
| Net interest margin | 3.0728% | 2,954 |
| Noninterest income to average assets | 1.0400% | 562 |
| Noninterest expense to average assets | 2.6939% | 1,699 |
| Loan and lease loss provision to assets | 0.5900% | 138 |
| Net operating income to assets | 0.4579% | 3,569 |
| Return on assets (ROA) | 0.4579% | 3,601 |
| Pretax return on assets | 0.5591% | 3,547 |
| Return on Equity (ROE) | 3.8900% | 3,746 |
| Retained earnings to average equity (ytd only) | 3.8884% | 2,895 |
| Net charge-offs to loans | 0.7256% | 189 |
| Credit loss provision to net charge-offs | 94.0873% | 1,740 |
| Earnings coverage of net charge-offs (x) | 1.8744% | 2,628 |
| Efficiency ratio | 69.1424% | 2,127 |
| Assets per employee ($millions) | 7.2119% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 1,075 |
| Loan loss allowance to noncurrent loans | 316.8422% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 1,669 |
| Noncurrent loans to loans | 0.4703% | 1,904 |
| Net loans and leases to total assets | 84.1500% | 256 |
| Net loans and leases to deposits | 101.4186% | 421 |
| Net loans and leases to core deposits | 107.8620% | 1,035 |
| Total domestic deposits to total assets | 82.9700% | 2,856 |
| Equity capital to assets | 11.3692% | 1,537 |
| Core capital (leverage) ratio | 9.7328% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6314% | 2,658 |
| Memoranda: | ||
| Average total assets | $3,947,737,250 | 330 |
| Average earning assets | $3,610,295,750 | 327 |
| Average equity | $464,856,500 | 296 |
| Average total loans | $3,346,885,500 | 285 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0421% | 1,106 |
| Cost of funding earning assets | 2.7314% | 735 |
| Net interest margin | 3.3107% | 2,384 |
| Noninterest income to average assets | 1.4800% | 362 |
| Noninterest expense to average assets | 2.7185% | 1,637 |
| Loan and lease loss provision to assets | 0.5900% | 134 |
| Net operating income to assets | 0.9451% | 2,168 |
| Return on assets (ROA) | 0.9451% | 2,170 |
| Pretax return on assets | 1.1856% | 1,972 |
| Return on Equity (ROE) | 7.9300% | 2,751 |
| Retained earnings to average equity (ytd only) | 7.9324% | 1,387 |
| Net charge-offs to loans | 0.6185% | 203 |
| Credit loss provision to net charge-offs | 114.9079% | 1,382 |
| Earnings coverage of net charge-offs (x) | 3.4036% | 2,336 |
| Efficiency ratio | 59.6583% | 3,235 |
| Assets per employee ($millions) | 7.3627% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 2,123 |
| Loan loss allowance to noncurrent loans | 314.8718% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3304% | 1,841 |
| Noncurrent loans to loans | 0.3885% | 2,023 |
| Net loans and leases to total assets | 84.0100% | 287 |
| Net loans and leases to deposits | 99.5083% | 571 |
| Net loans and leases to core deposits | 105.5870% | 1,176 |
| Total domestic deposits to total assets | 84.4200% | 2,483 |
| Equity capital to assets | 11.9504% | 1,180 |
| Core capital (leverage) ratio | 10.5549% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0321% | 2,243 |
| Memoranda: | ||
| Average total assets | $3,924,639,000 | 335 |
| Average earning assets | $3,583,538,667 | 331 |
| Average equity | $467,574,333 | 292 |
| Average total loans | $3,318,699,000 | 287 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0065% | 1,051 |
| Cost of funding earning assets | 2.6341% | 794 |
| Net interest margin | 3.3725% | 2,179 |
| Noninterest income to average assets | 1.4900% | 331 |
| Noninterest expense to average assets | 2.6782% | 1,742 |
| Loan and lease loss provision to assets | 0.8100% | 102 |
| Net operating income to assets | 0.8536% | 2,381 |
| Return on assets (ROA) | 0.8536% | 2,397 |
| Pretax return on assets | 1.0786% | 2,191 |
| Return on Equity (ROE) | 7.1800% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.1762% | 1,777 |
| Net charge-offs to loans | 0.6414% | 151 |
| Credit loss provision to net charge-offs | 149.4773% | 944 |
| Earnings coverage of net charge-offs (x) | 3.4895% | 1,934 |
| Efficiency ratio | 57.8768% | 3,447 |
| Assets per employee ($millions) | 7.2539% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 1,783 |
| Loan loss allowance to noncurrent loans | 359.3352% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 1,902 |
| Noncurrent loans to loans | 0.3600% | 2,046 |
| Net loans and leases to total assets | 83.1100% | 330 |
| Net loans and leases to deposits | 96.8754% | 656 |
| Net loans and leases to core deposits | 102.7386% | 1,258 |
| Total domestic deposits to total assets | 85.7900% | 2,160 |
| Equity capital to assets | 11.9225% | 1,149 |
| Core capital (leverage) ratio | 10.5161% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0359% | 2,227 |
| Memoranda: | ||
| Average total assets | $3,891,667,000 | 343 |
| Average earning assets | $3,551,944,000 | 336 |
| Average equity | $462,916,500 | 296 |
| Average total loans | $3,281,070,500 | 292 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8196% | 810 |
| Cost of funding earning assets | 2.4590% | 404 |
| Net interest margin | 3.3606% | 2,493 |
| Noninterest income to average assets | 0.9900% | 650 |
| Noninterest expense to average assets | 3.1235% | 924 |
| Loan and lease loss provision to assets | 0.3700% | 266 |
| Net operating income to assets | 0.4402% | 3,789 |
| Return on assets (ROA) | 0.4402% | 3,787 |
| Pretax return on assets | 0.5704% | 3,688 |
| Return on Equity (ROE) | 3.6600% | 3,937 |
| Retained earnings to average equity (ytd only) | -0.6521% | 4,156 |
| Net charge-offs to loans | 0.4717% | 224 |
| Credit loss provision to net charge-offs | 96.6118% | 1,879 |
| Earnings coverage of net charge-offs (x) | 2.4449% | 2,692 |
| Efficiency ratio | 68.7425% | 2,028 |
| Assets per employee ($millions) | 7.5802% | 1,671 |
| Cash dividends to net income (ytd only)* | 117.8134% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,108 |
| Loan loss allowance to noncurrent loans | 314.9227% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 1,828 |
| Noncurrent loans to loans | 0.3306% | 1,998 |
| Net loans and leases to total assets | 83.5400% | 306 |
| Net loans and leases to deposits | 97.3958% | 688 |
| Net loans and leases to core deposits | 103.5912% | 1,239 |
| Total domestic deposits to total assets | 85.7700% | 2,079 |
| Equity capital to assets | 11.8674% | 1,180 |
| Core capital (leverage) ratio | 10.4062% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6535% | 2,357 |
| Memoranda: | ||
| Average total assets | $3,856,432,800 | 330 |
| Average earning assets | $3,533,791,000 | 326 |
| Average equity | $463,746,800 | 282 |
| Average total loans | $3,153,685,200 | 293 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6660% | 832 |
| Cost of funding earning assets | 2.3982% | 337 |
| Net interest margin | 3.2678% | 2,758 |
| Noninterest income to average assets | 1.0400% | 608 |
| Noninterest expense to average assets | 2.8683% | 1,288 |
| Loan and lease loss provision to assets | 0.3900% | 213 |
| Net operating income to assets | 0.6220% | 3,490 |
| Return on assets (ROA) | 0.6220% | 3,487 |
| Pretax return on assets | 0.7768% | 3,386 |
| Return on Equity (ROE) | 5.1300% | 3,789 |
| Retained earnings to average equity (ytd only) | 5.1284% | 2,893 |
| Net charge-offs to loans | 0.4230% | 199 |
| Credit loss provision to net charge-offs | 112.3373% | 1,533 |
| Earnings coverage of net charge-offs (x) | 3.3891% | 2,438 |
| Efficiency ratio | 70.3350% | 1,749 |
| Assets per employee ($millions) | 7.4125% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 2,793 |
| Loan loss allowance to noncurrent loans | 163.4316% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 1,019 |
| Noncurrent loans to loans | 0.6816% | 1,214 |
| Net loans and leases to total assets | 83.1700% | 351 |
| Net loans and leases to deposits | 96.1642% | 745 |
| Net loans and leases to core deposits | 102.2179% | 1,199 |
| Total domestic deposits to total assets | 86.4900% | 2,043 |
| Equity capital to assets | 12.3643% | 956 |
| Core capital (leverage) ratio | 10.6556% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2168% | 2,194 |
| Memoranda: | ||
| Average total assets | $3,854,952,250 | 332 |
| Average earning assets | $3,531,954,250 | 331 |
| Average equity | $467,550,250 | 282 |
| Average total loans | $3,124,607,500 | 296 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6179% | 714 |
| Cost of funding earning assets | 2.3631% | 241 |
| Net interest margin | 3.2548% | 2,857 |
| Noninterest income to average assets | 1.0400% | 529 |
| Noninterest expense to average assets | 2.9631% | 1,097 |
| Loan and lease loss provision to assets | 0.4900% | 151 |
| Net operating income to assets | 0.4566% | 3,904 |
| Return on assets (ROA) | 0.4566% | 3,906 |
| Pretax return on assets | 0.5676% | 3,854 |
| Return on Equity (ROE) | 3.7900% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.7891% | 3,255 |
| Net charge-offs to loans | 0.3629% | 230 |
| Credit loss provision to net charge-offs | 168.8857% | 1,129 |
| Earnings coverage of net charge-offs (x) | 3.6424% | 2,255 |
| Efficiency ratio | 72.8566% | 1,469 |
| Assets per employee ($millions) | 7.1106% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,491 |
| Loan loss allowance to noncurrent loans | 142.2530% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.7033% | 744 |
| Noncurrent loans to loans | 0.8361% | 914 |
| Net loans and leases to total assets | 83.1100% | 323 |
| Net loans and leases to deposits | 95.8101% | 740 |
| Net loans and leases to core deposits | 102.0288% | 1,131 |
| Total domestic deposits to total assets | 86.7400% | 2,012 |
| Equity capital to assets | 12.1684% | 1,004 |
| Core capital (leverage) ratio | 9.4099% | 3,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9177% | 2,325 |
| Memoranda: | ||
| Average total assets | $3,867,463,000 | 319 |
| Average earning assets | $3,548,217,667 | 312 |
| Average equity | $466,068,000 | 274 |
| Average total loans | $3,095,932,333 | 287 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 845 |
| Cost of funding earning assets | 1.9193% | 350 |
| Net interest margin | 3.3636% | 2,725 |
| Noninterest income to average assets | 1.1900% | 445 |
| Noninterest expense to average assets | 2.7917% | 1,451 |
| Loan and lease loss provision to assets | 0.5300% | 137 |
| Net operating income to assets | 0.7474% | 3,351 |
| Return on assets (ROA) | 0.7474% | 3,304 |
| Pretax return on assets | 0.9525% | 3,115 |
| Return on Equity (ROE) | 6.2300% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.2318% | 2,700 |
| Net charge-offs to loans | 0.5287% | 154 |
| Credit loss provision to net charge-offs | 129.5455% | 1,007 |
| Earnings coverage of net charge-offs (x) | 3.6036% | 1,877 |
| Efficiency ratio | 64.4829% | 2,391 |
| Assets per employee ($millions) | 7.8914% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 2,777 |
| Loan loss allowance to noncurrent loans | 102.0130% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8342% | 569 |
| Noncurrent loans to loans | 1.1357% | 625 |
| Net loans and leases to total assets | 72.6000% | 1,362 |
| Net loans and leases to deposits | 82.7138% | 1,596 |
| Net loans and leases to core deposits | 88.1914% | 1,727 |
| Total domestic deposits to total assets | 87.7800% | 1,994 |
| Equity capital to assets | 11.2024% | 1,266 |
| Core capital (leverage) ratio | 10.2101% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5780% | 2,151 |
| Memoranda: | ||
| Average total assets | $3,881,343,500 | 330 |
| Average earning assets | $3,565,830,000 | 320 |
| Average equity | $465,486,000 | 279 |
| Average total loans | $3,029,102,500 | 301 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 1,436 |
| Cost of funding earning assets | 0.5211% | 1,261 |
| Net interest margin | 3.5949% | 1,661 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.6926% | 1,575 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 0.6868% | 3,652 |
| Return on assets (ROA) | 0.6868% | 3,603 |
| Pretax return on assets | 0.8641% | 3,446 |
| Return on Equity (ROE) | 4.8800% | 4,041 |
| Retained earnings to average equity (ytd only) | 1.7031% | 4,045 |
| Net charge-offs to loans | 0.2226% | 363 |
| Credit loss provision to net charge-offs | 193.2613% | 1,147 |
| Earnings coverage of net charge-offs (x) | 6.9004% | 2,322 |
| Efficiency ratio | 68.1540% | 1,943 |
| Assets per employee ($millions) | 6.3088% | 2,505 |
| Cash dividends to net income (ytd only)* | 65.1353% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,573 |
| Loan loss allowance to noncurrent loans | 88.9278% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.0898% | 387 |
| Noncurrent loans to loans | 1.3060% | 524 |
| Net loans and leases to total assets | 82.4800% | 371 |
| Net loans and leases to deposits | 107.1058% | 223 |
| Net loans and leases to core deposits | 116.6856% | 435 |
| Total domestic deposits to total assets | 77.0100% | 4,171 |
| Equity capital to assets | 12.9240% | 721 |
| Core capital (leverage) ratio | 11.3903% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8363% | 2,038 |
| Memoranda: | ||
| Average total assets | $3,353,031,000 | 358 |
| Average earning assets | $3,058,637,800 | 352 |
| Average equity | $471,447,000 | 276 |
| Average total loans | $2,620,296,800 | 307 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 1,559 |
| Cost of funding earning assets | 0.3752% | 1,480 |
| Net interest margin | 3.4926% | 1,683 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.4900% | 2,043 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.7463% | 3,429 |
| Return on assets (ROA) | 0.7463% | 3,380 |
| Pretax return on assets | 0.9506% | 3,183 |
| Return on Equity (ROE) | 5.1900% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.1944% | 3,028 |
| Net charge-offs to loans | 0.0295% | 1,241 |
| Credit loss provision to net charge-offs | 609.1071% | 555 |
| Earnings coverage of net charge-offs (x) | 48.1054% | 1,307 |
| Efficiency ratio | 68.4479% | 1,960 |
| Assets per employee ($millions) | 6.5573% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,725 |
| Loan loss allowance to noncurrent loans | 82.5608% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.1862% | 350 |
| Noncurrent loans to loans | 1.4083% | 508 |
| Net loans and leases to total assets | 81.0700% | 438 |
| Net loans and leases to deposits | 99.8896% | 364 |
| Net loans and leases to core deposits | 104.8681% | 618 |
| Total domestic deposits to total assets | 81.1600% | 3,951 |
| Equity capital to assets | 14.0117% | 568 |
| Core capital (leverage) ratio | 12.2572% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2827% | 1,627 |
| Memoranda: | ||
| Average total assets | $3,300,168,500 | 361 |
| Average earning assets | $3,010,286,500 | 359 |
| Average equity | $474,140,500 | 274 |
| Average total loans | $2,531,755,500 | 315 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 1,666 |
| Cost of funding earning assets | 0.3187% | 1,542 |
| Net interest margin | 3.3374% | 1,799 |
| Noninterest income to average assets | 0.2533% | 3,651 |
| Noninterest expense to average assets | 2.3297% | 2,459 |
| Loan and lease loss provision to assets | 0.0317% | 2,020 |
| Net operating income to assets | 0.7351% | 3,194 |
| Return on assets (ROA) | 0.7351% | 3,152 |
| Pretax return on assets | 0.9372% | 2,940 |
| Return on Equity (ROE) | 5.0735% | 3,801 |
| Retained earnings to average equity (ytd only) | 5.0735% | 2,683 |
| Net charge-offs to loans | -0.0474% | 4,217 |
| Credit loss provision to net charge-offs | -89.3654% | 3,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3664% | 2,056 |
| Assets per employee ($millions) | 6.7329% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 2,966 |
| Loan loss allowance to noncurrent loans | 142.8524% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 796 |
| Noncurrent loans to loans | 0.7995% | 1,072 |
| Net loans and leases to total assets | 80.9045% | 346 |
| Net loans and leases to deposits | 96.8243% | 393 |
| Net loans and leases to core deposits | 101.1130% | 623 |
| Total domestic deposits to total assets | 83.5581% | 3,782 |
| Equity capital to assets | 14.6244% | 447 |
| Core capital (leverage) ratio | 12.4059% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7068% | 1,506 |
| Memoranda: | ||
| Average total assets | $3,283,293,000 | 358 |
| Average earning assets | $2,996,003,333 | 358 |
| Average equity | $475,686,000 | 273 |
| Average total loans | $2,459,516,000 | 315 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5109% | 1,777 |
| Cost of funding earning assets | 0.3232% | 1,433 |
| Net interest margin | 3.1876% | 1,920 |
| Noninterest income to average assets | 0.2599% | 3,579 |
| Noninterest expense to average assets | 2.2698% | 2,613 |
| Loan and lease loss provision to assets | 0.0120% | 2,126 |
| Net operating income to assets | 0.6991% | 3,058 |
| Return on assets (ROA) | 0.6991% | 3,048 |
| Pretax return on assets | 0.8917% | 2,806 |
| Return on Equity (ROE) | 4.8473% | 3,660 |
| Retained earnings to average equity (ytd only) | 4.8473% | 2,649 |
| Net charge-offs to loans | -0.0296% | 4,081 |
| Credit loss provision to net charge-offs | -56.5714% | 2,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2244% | 2,197 |
| Assets per employee ($millions) | 7.6379% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,722 |
| Loan loss allowance to noncurrent loans | 175.3133% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 1,087 |
| Noncurrent loans to loans | 0.7001% | 1,359 |
| Net loans and leases to total assets | 73.5268% | 694 |
| Net loans and leases to deposits | 87.3446% | 659 |
| Net loans and leases to core deposits | 91.2027% | 863 |
| Total domestic deposits to total assets | 84.1801% | 3,731 |
| Equity capital to assets | 14.7664% | 422 |
| Core capital (leverage) ratio | 11.6503% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9538% | 1,271 |
| Memoranda: | ||
| Average total assets | $3,309,032,500 | 358 |
| Average earning assets | $3,024,548,500 | 359 |
| Average equity | $477,212,500 | 280 |
| Average total loans | $2,366,827,500 | 319 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 2,015 |
| Cost of funding earning assets | 0.4474% | 1,219 |
| Net interest margin | 3.2896% | 2,342 |
| Noninterest income to average assets | 0.3159% | 3,517 |
| Noninterest expense to average assets | 2.1014% | 3,384 |
| Loan and lease loss provision to assets | -0.1739% | 4,660 |
| Net operating income to assets | 1.0777% | 2,380 |
| Return on assets (ROA) | 1.0846% | 2,423 |
| Pretax return on assets | 1.3845% | 2,098 |
| Return on Equity (ROE) | 7.7902% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.7902% | 1,620 |
| Net charge-offs to loans | 0.0611% | 1,169 |
| Credit loss provision to net charge-offs | -403.1272% | 3,700 |
| Earnings coverage of net charge-offs (x) | 27.8958% | 1,664 |
| Efficiency ratio | 62.3429% | 2,814 |
| Assets per employee ($millions) | 8.1400% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,652 |
| Loan loss allowance to noncurrent loans | 190.0797% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 1,378 |
| Noncurrent loans to loans | 0.6544% | 1,526 |
| Net loans and leases to total assets | 67.9168% | 1,276 |
| Net loans and leases to deposits | 82.8744% | 994 |
| Net loans and leases to core deposits | 86.8605% | 1,148 |
| Total domestic deposits to total assets | 81.9514% | 3,975 |
| Equity capital to assets | 14.0956% | 646 |
| Core capital (leverage) ratio | 11.1372% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4317% | 1,176 |
| Memoranda: | ||
| Average total assets | $3,334,941,800 | 347 |
| Average earning assets | $3,030,323,800 | 346 |
| Average equity | $464,326,800 | 284 |
| Average total loans | $2,354,590,000 | 314 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 2,131 |
| Cost of funding earning assets | 0.4742% | 1,186 |
| Net interest margin | 3.2806% | 2,475 |
| Noninterest income to average assets | 0.3129% | 3,553 |
| Noninterest expense to average assets | 2.0696% | 3,455 |
| Loan and lease loss provision to assets | -0.1809% | 4,729 |
| Net operating income to assets | 1.0970% | 2,565 |
| Return on assets (ROA) | 1.1063% | 2,588 |
| Pretax return on assets | 1.4085% | 2,300 |
| Return on Equity (ROE) | 7.9713% | 3,409 |
| Retained earnings to average equity (ytd only) | 7.9713% | 2,062 |
| Net charge-offs to loans | 0.0824% | 851 |
| Credit loss provision to net charge-offs | -308.9224% | 3,498 |
| Earnings coverage of net charge-offs (x) | 20.8106% | 1,718 |
| Efficiency ratio | 61.6934% | 2,739 |
| Assets per employee ($millions) | 8.7862% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 2,424 |
| Loan loss allowance to noncurrent loans | 165.5732% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 1,353 |
| Noncurrent loans to loans | 0.7929% | 1,426 |
| Net loans and leases to total assets | 66.1513% | 1,527 |
| Net loans and leases to deposits | 80.4805% | 1,241 |
| Net loans and leases to core deposits | 84.3890% | 1,396 |
| Total domestic deposits to total assets | 82.1955% | 3,888 |
| Equity capital to assets | 13.6986% | 809 |
| Core capital (leverage) ratio | 10.8874% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7490% | 1,180 |
| Memoranda: | ||
| Average total assets | $3,318,047,750 | 349 |
| Average earning assets | $3,009,020,500 | 351 |
| Average equity | $460,507,500 | 289 |
| Average total loans | $2,358,241,000 | 317 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 1,958 |
| Cost of funding earning assets | 0.5020% | 1,191 |
| Net interest margin | 3.3422% | 2,322 |
| Noninterest income to average assets | 0.5069% | 2,597 |
| Noninterest expense to average assets | 2.1321% | 3,296 |
| Loan and lease loss provision to assets | -0.3413% | 4,857 |
| Net operating income to assets | 1.3645% | 1,665 |
| Return on assets (ROA) | 1.3645% | 1,740 |
| Pretax return on assets | 1.7411% | 1,382 |
| Return on Equity (ROE) | 9.7870% | 2,833 |
| Retained earnings to average equity (ytd only) | 9.7870% | 1,468 |
| Net charge-offs to loans | -0.0427% | 4,299 |
| Credit loss provision to net charge-offs | 1,101.7751% | 445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1879% | 3,127 |
| Assets per employee ($millions) | 8.8227% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 2,118 |
| Loan loss allowance to noncurrent loans | 214.0852% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 1,787 |
| Noncurrent loans to loans | 0.6387% | 1,816 |
| Net loans and leases to total assets | 66.3897% | 1,650 |
| Net loans and leases to deposits | 80.8923% | 1,342 |
| Net loans and leases to core deposits | 85.1893% | 1,478 |
| Total domestic deposits to total assets | 82.0717% | 3,912 |
| Equity capital to assets | 13.7747% | 761 |
| Core capital (leverage) ratio | 11.0328% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3885% | 1,053 |
| Memoranda: | ||
| Average total assets | $3,273,067,000 | 348 |
| Average earning assets | $2,962,404,333 | 348 |
| Average equity | $456,339,333 | 289 |
| Average total loans | $2,372,793,333 | 315 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 1,230 |
| Cost of funding earning assets | 0.5424% | 1,154 |
| Net interest margin | 3.6387% | 1,476 |
| Noninterest income to average assets | 0.4829% | 2,685 |
| Noninterest expense to average assets | 2.2338% | 2,998 |
| Loan and lease loss provision to assets | -0.1709% | 4,791 |
| Net operating income to assets | 1.3373% | 1,721 |
| Return on assets (ROA) | 1.3373% | 1,807 |
| Pretax return on assets | 1.7056% | 1,473 |
| Return on Equity (ROE) | 9.5312% | 2,843 |
| Retained earnings to average equity (ytd only) | 9.5312% | 1,792 |
| Net charge-offs to loans | 0.0132% | 1,482 |
| Credit loss provision to net charge-offs | -1,715.0000% | 3,516 |
| Earnings coverage of net charge-offs (x) | 154.0125% | 481 |
| Efficiency ratio | 58.1477% | 3,277 |
| Assets per employee ($millions) | 8.6554% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,741 |
| Loan loss allowance to noncurrent loans | 244.8460% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 1,905 |
| Noncurrent loans to loans | 0.5959% | 2,078 |
| Net loans and leases to total assets | 70.7206% | 1,193 |
| Net loans and leases to deposits | 86.4285% | 932 |
| Net loans and leases to core deposits | 91.7515% | 1,130 |
| Total domestic deposits to total assets | 81.8255% | 3,923 |
| Equity capital to assets | 13.6637% | 749 |
| Core capital (leverage) ratio | 11.1402% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8378% | 1,098 |
| Memoranda: | ||
| Average total assets | $3,211,226,000 | 351 |
| Average earning assets | $2,899,599,500 | 351 |
| Average equity | $450,563,000 | 290 |
| Average total loans | $2,416,012,500 | 313 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 1,456 |
| Cost of funding earning assets | 0.8224% | 1,118 |
| Net interest margin | 3.6203% | 2,074 |
| Noninterest income to average assets | 0.8270% | 1,462 |
| Noninterest expense to average assets | 2.2265% | 3,606 |
| Loan and lease loss provision to assets | 0.6567% | 276 |
| Net operating income to assets | 0.9245% | 2,589 |
| Return on assets (ROA) | 0.9245% | 2,732 |
| Pretax return on assets | 1.1844% | 2,386 |
| Return on Equity (ROE) | 6.3279% | 3,477 |
| Retained earnings to average equity (ytd only) | 5.7501% | 1,925 |
| Net charge-offs to loans | 0.0698% | 1,794 |
| Credit loss provision to net charge-offs | 1,173.0398% | 694 |
| Earnings coverage of net charge-offs (x) | 32.8872% | 1,539 |
| Efficiency ratio | 53.5997% | 4,252 |
| Assets per employee ($millions) | 8.3068% | 934 |
| Cash dividends to net income (ytd only)* | 9.1311% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 1,626 |
| Loan loss allowance to noncurrent loans | 251.3138% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 1,853 |
| Noncurrent loans to loans | 0.5926% | 2,220 |
| Net loans and leases to total assets | 77.8009% | 617 |
| Net loans and leases to deposits | 96.4063% | 531 |
| Net loans and leases to core deposits | 103.3394% | 755 |
| Total domestic deposits to total assets | 80.7011% | 3,926 |
| Equity capital to assets | 14.4268% | 696 |
| Core capital (leverage) ratio | 11.2472% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0895% | 1,243 |
| Memoranda: | ||
| Average total assets | $2,961,577,000 | 344 |
| Average earning assets | $2,651,063,200 | 350 |
| Average equity | $432,673,200 | 285 |
| Average total loans | $2,374,858,800 | 303 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 1,934 |
| Cost of funding earning assets | 0.8718% | 1,168 |
| Net interest margin | 3.4973% | 2,597 |
| Noninterest income to average assets | 0.7933% | 1,524 |
| Noninterest expense to average assets | 2.2080% | 3,662 |
| Loan and lease loss provision to assets | 0.7441% | 266 |
| Net operating income to assets | 0.7741% | 3,191 |
| Return on assets (ROA) | 0.7741% | 3,306 |
| Pretax return on assets | 0.9692% | 3,163 |
| Return on Equity (ROE) | 5.2808% | 3,799 |
| Retained earnings to average equity (ytd only) | 4.5046% | 2,795 |
| Net charge-offs to loans | 0.0470% | 1,943 |
| Credit loss provision to net charge-offs | 1,967.3887% | 486 |
| Earnings coverage of net charge-offs (x) | 45.2984% | 1,264 |
| Efficiency ratio | 55.1151% | 4,023 |
| Assets per employee ($millions) | 8.7438% | 764 |
| Cash dividends to net income (ytd only)* | 14.6998% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,607 |
| Loan loss allowance to noncurrent loans | 168.8212% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 1,771 |
| Noncurrent loans to loans | 0.6051% | 2,289 |
| Net loans and leases to total assets | 79.1354% | 693 |
| Net loans and leases to deposits | 109.4842% | 235 |
| Net loans and leases to core deposits | 119.1018% | 433 |
| Total domestic deposits to total assets | 72.2802% | 4,677 |
| Equity capital to assets | 13.9535% | 871 |
| Core capital (leverage) ratio | 12.2570% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2312% | 1,443 |
| Memoranda: | ||
| Average total assets | $2,929,438,500 | 335 |
| Average earning assets | $2,620,144,500 | 343 |
| Average equity | $429,390,000 | 283 |
| Average total loans | $2,358,449,500 | 301 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 1,949 |
| Cost of funding earning assets | 0.9799% | 1,044 |
| Net interest margin | 3.5071% | 2,764 |
| Noninterest income to average assets | 0.7809% | 1,488 |
| Noninterest expense to average assets | 2.3450% | 3,412 |
| Loan and lease loss provision to assets | 1.0056% | 205 |
| Net operating income to assets | 0.4480% | 4,132 |
| Return on assets (ROA) | 0.4480% | 4,194 |
| Pretax return on assets | 0.5610% | 4,134 |
| Return on Equity (ROE) | 3.0035% | 4,354 |
| Retained earnings to average equity (ytd only) | 1.8290% | 3,815 |
| Net charge-offs to loans | 0.0854% | 1,397 |
| Credit loss provision to net charge-offs | 1,459.7152% | 611 |
| Earnings coverage of net charge-offs (x) | 22.7406% | 1,621 |
| Efficiency ratio | 58.7182% | 3,594 |
| Assets per employee ($millions) | 8.8322% | 714 |
| Cash dividends to net income (ytd only)* | 39.1053% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 3,833 |
| Loan loss allowance to noncurrent loans | 158.2518% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6812% | 1,800 |
| Noncurrent loans to loans | 0.5945% | 2,374 |
| Net loans and leases to total assets | 80.9430% | 503 |
| Net loans and leases to deposits | 115.1411% | 141 |
| Net loans and leases to core deposits | 127.1676% | 299 |
| Total domestic deposits to total assets | 70.2990% | 4,778 |
| Equity capital to assets | 13.9839% | 859 |
| Core capital (leverage) ratio | 11.6204% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9071% | 1,513 |
| Memoranda: | ||
| Average total assets | $2,853,742,333 | 338 |
| Average earning assets | $2,547,522,333 | 348 |
| Average equity | $425,705,000 | 287 |
| Average total loans | $2,303,363,000 | 304 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6702% | 1,801 |
| Cost of funding earning assets | 1.1669% | 856 |
| Net interest margin | 3.5034% | 2,967 |
| Noninterest income to average assets | 0.4008% | 3,095 |
| Noninterest expense to average assets | 2.8578% | 2,247 |
| Loan and lease loss provision to assets | 0.5030% | 584 |
| Net operating income to assets | 0.1252% | 4,627 |
| Return on assets (ROA) | 0.1252% | 4,633 |
| Pretax return on assets | 0.1547% | 4,620 |
| Return on Equity (ROE) | 0.8110% | 4,650 |
| Retained earnings to average equity (ytd only) | -1.5494% | 4,203 |
| Net charge-offs to loans | 0.1801% | 746 |
| Credit loss provision to net charge-offs | 348.5859% | 1,083 |
| Earnings coverage of net charge-offs (x) | 4.5566% | 2,126 |
| Efficiency ratio | 79.8582% | 1,156 |
| Assets per employee ($millions) | 7.9191% | 756 |
| Cash dividends to net income (ytd only)* | 291.0361% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5750% | 4,796 |
| Loan loss allowance to noncurrent loans | 142.2883% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 2,382 |
| Noncurrent loans to loans | 0.4041% | 3,041 |
| Net loans and leases to total assets | 79.5950% | 746 |
| Net loans and leases to deposits | 105.7288% | 301 |
| Net loans and leases to core deposits | 119.9043% | 469 |
| Total domestic deposits to total assets | 75.2822% | 4,557 |
| Equity capital to assets | 15.3423% | 703 |
| Core capital (leverage) ratio | 11.8608% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0371% | 1,894 |
| Memoranda: | ||
| Average total assets | $2,743,806,000 | 341 |
| Average earning assets | $2,439,371,500 | 348 |
| Average equity | $423,652,500 | 291 |
| Average total loans | $2,199,292,500 | 306 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9861% | 1,520 |
| Cost of funding earning assets | 1.3854% | 595 |
| Net interest margin | 3.6007% | 3,134 |
| Noninterest income to average assets | 0.4588% | 2,957 |
| Noninterest expense to average assets | 2.0537% | 4,443 |
| Loan and lease loss provision to assets | 0.0129% | 3,756 |
| Net operating income to assets | 1.3438% | 1,527 |
| Return on assets (ROA) | 1.3438% | 1,609 |
| Pretax return on assets | 1.5995% | 1,485 |
| Return on Equity (ROE) | 8.9127% | 2,790 |
| Retained earnings to average equity (ytd only) | 5.6621% | 2,051 |
| Net charge-offs to loans | 0.1094% | 1,638 |
| Credit loss provision to net charge-offs | 14.7555% | 3,338 |
| Earnings coverage of net charge-offs (x) | 18.4469% | 2,061 |
| Efficiency ratio | 53.8653% | 4,431 |
| Assets per employee ($millions) | 7.7824% | 771 |
| Cash dividends to net income (ytd only)* | 36.4713% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4694% | 4,924 |
| Loan loss allowance to noncurrent loans | 115.2921% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 2,226 |
| Noncurrent loans to loans | 0.4071% | 2,978 |
| Net loans and leases to total assets | 79.8791% | 806 |
| Net loans and leases to deposits | 102.1738% | 461 |
| Net loans and leases to core deposits | 117.5668% | 548 |
| Total domestic deposits to total assets | 78.1796% | 4,332 |
| Equity capital to assets | 15.5398% | 683 |
| Core capital (leverage) ratio | 12.0709% | 1,733 |
| Tier 1 risk-based capital ratio | 14.8074% | 2,865 |
| Total risk-based capital ratio | 15.2923% | 3,155 |
| Memoranda: | ||
| Average total assets | $2,713,760,200 | 334 |
| Average earning assets | $2,417,194,000 | 339 |
| Average equity | $409,158,200 | 286 |
| Average total loans | $2,167,263,200 | 307 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 1,461 |
| Cost of funding earning assets | 1.4156% | 550 |
| Net interest margin | 3.6169% | 3,206 |
| Noninterest income to average assets | 0.4472% | 3,037 |
| Noninterest expense to average assets | 2.0700% | 4,408 |
| Loan and lease loss provision to assets | 0.0172% | 3,570 |
| Net operating income to assets | 1.3131% | 1,798 |
| Return on assets (ROA) | 1.3131% | 1,876 |
| Pretax return on assets | 1.5822% | 1,693 |
| Return on Equity (ROE) | 8.7766% | 2,973 |
| Retained earnings to average equity (ytd only) | 5.1281% | 2,832 |
| Net charge-offs to loans | 0.0883% | 1,585 |
| Credit loss provision to net charge-offs | 24.4413% | 2,941 |
| Earnings coverage of net charge-offs (x) | 22.7122% | 1,858 |
| Efficiency ratio | 54.2966% | 4,364 |
| Assets per employee ($millions) | 7.9989% | 693 |
| Cash dividends to net income (ytd only)* | 41.5715% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5231% | 4,940 |
| Loan loss allowance to noncurrent loans | 291.5409% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 3,071 |
| Noncurrent loans to loans | 0.1794% | 3,893 |
| Net loans and leases to total assets | 78.7901% | 1,018 |
| Net loans and leases to deposits | 97.3709% | 884 |
| Net loans and leases to core deposits | 113.7146% | 769 |
| Total domestic deposits to total assets | 80.9175% | 3,784 |
| Equity capital to assets | 15.3882% | 753 |
| Core capital (leverage) ratio | 11.5879% | 2,156 |
| Tier 1 risk-based capital ratio | 14.4787% | 3,084 |
| Total risk-based capital ratio | 15.0131% | 3,351 |
| Memoranda: | ||
| Average total assets | $2,711,237,750 | 338 |
| Average earning assets | $2,415,415,750 | 341 |
| Average equity | $405,627,500 | 290 |
| Average total loans | $2,162,567,250 | 311 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0197% | 1,426 |
| Cost of funding earning assets | 1.4106% | 519 |
| Net interest margin | 3.6092% | 3,225 |
| Noninterest income to average assets | 0.4511% | 2,954 |
| Noninterest expense to average assets | 2.1859% | 4,252 |
| Loan and lease loss provision to assets | 0.0147% | 3,484 |
| Net operating income to assets | 1.2535% | 1,945 |
| Return on assets (ROA) | 1.2535% | 2,000 |
| Pretax return on assets | 1.4667% | 1,968 |
| Return on Equity (ROE) | 8.4589% | 3,085 |
| Retained earnings to average equity (ytd only) | 4.0328% | 3,232 |
| Net charge-offs to loans | 0.0802% | 1,560 |
| Credit loss provision to net charge-offs | 22.9885% | 2,637 |
| Earnings coverage of net charge-offs (x) | 23.1046% | 1,664 |
| Efficiency ratio | 57.4948% | 4,071 |
| Assets per employee ($millions) | 7.9745% | 682 |
| Cash dividends to net income (ytd only)* | 52.3252% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5345% | 4,975 |
| Loan loss allowance to noncurrent loans | 223.3269% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 3,008 |
| Noncurrent loans to loans | 0.2393% | 3,681 |
| Net loans and leases to total assets | 79.2454% | 1,004 |
| Net loans and leases to deposits | 100.1606% | 666 |
| Net loans and leases to core deposits | 119.4372% | 566 |
| Total domestic deposits to total assets | 79.1184% | 4,196 |
| Equity capital to assets | 14.9590% | 825 |
| Core capital (leverage) ratio | 11.3321% | 2,307 |
| Tier 1 risk-based capital ratio | 13.9320% | 3,353 |
| Total risk-based capital ratio | 14.4793% | 3,630 |
| Memoranda: | ||
| Average total assets | $2,713,777,670 | 339 |
| Average earning assets | $2,418,290,670 | 343 |
| Average equity | $402,157,330 | 290 |
| Average total loans | $2,169,628,000 | 312 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 1,274 |
| Cost of funding earning assets | 1.4081% | 442 |
| Net interest margin | 3.6178% | 3,196 |
| Noninterest income to average assets | 0.4312% | 2,971 |
| Noninterest expense to average assets | 2.3539% | 3,886 |
| Loan and lease loss provision to assets | 0.0296% | 3,029 |
| Net operating income to assets | 1.0153% | 2,788 |
| Return on assets (ROA) | 1.0153% | 2,831 |
| Pretax return on assets | 1.2709% | 2,566 |
| Return on Equity (ROE) | 6.8839% | 3,718 |
| Retained earnings to average equity (ytd only) | 4.6798% | 3,044 |
| Net charge-offs to loans | 0.1124% | 1,063 |
| Credit loss provision to net charge-offs | 32.8407% | 2,072 |
| Earnings coverage of net charge-offs (x) | 14.4516% | 1,793 |
| Efficiency ratio | 62.3469% | 3,479 |
| Assets per employee ($millions) | 7.8690% | 702 |
| Cash dividends to net income (ytd only)* | 32.0186% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5504% | 5,019 |
| Loan loss allowance to noncurrent loans | 160.0701% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 2,760 |
| Noncurrent loans to loans | 0.3439% | 3,344 |
| Net loans and leases to total assets | 79.2530% | 952 |
| Net loans and leases to deposits | 101.4399% | 533 |
| Net loans and leases to core deposits | 122.2873% | 473 |
| Total domestic deposits to total assets | 78.1281% | 4,496 |
| Equity capital to assets | 14.8413% | 786 |
| Core capital (leverage) ratio | 11.1711% | 2,411 |
| Tier 1 risk-based capital ratio | 13.8784% | 3,404 |
| Total risk-based capital ratio | 14.4418% | 3,687 |
| Memoranda: | ||
| Average total assets | $2,707,034,500 | 344 |
| Average earning assets | $2,411,715,500 | 347 |
| Average equity | $399,250,500 | 292 |
| Average total loans | $2,168,019,500 | 317 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9821% | 1,084 |
| Cost of funding earning assets | 1.0231% | 687 |
| Net interest margin | 3.9590% | 2,129 |
| Noninterest income to average assets | 0.3454% | 3,803 |
| Noninterest expense to average assets | 1.9414% | 4,833 |
| Loan and lease loss provision to assets | 0.1566% | 1,329 |
| Net operating income to assets | 1.3800% | 1,502 |
| Return on assets (ROA) | 1.3800% | 1,491 |
| Pretax return on assets | 1.7710% | 992 |
| Return on Equity (ROE) | 9.6851% | 2,644 |
| Retained earnings to average equity (ytd only) | 7.5913% | 1,418 |
| Net charge-offs to loans | 0.0616% | 2,245 |
| Credit loss provision to net charge-offs | 319.6347% | 979 |
| Earnings coverage of net charge-offs (x) | 39.3387% | 1,334 |
| Efficiency ratio | 48.0241% | 5,044 |
| Assets per employee ($millions) | 7.7791% | 713 |
| Cash dividends to net income (ytd only)* | 21.6187% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5637% | 5,031 |
| Loan loss allowance to noncurrent loans | 183.0824% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 2,824 |
| Noncurrent loans to loans | 0.3079% | 3,445 |
| Net loans and leases to total assets | 80.0313% | 938 |
| Net loans and leases to deposits | 102.9178% | 538 |
| Net loans and leases to core deposits | 131.9377% | 290 |
| Total domestic deposits to total assets | 77.7624% | 4,527 |
| Equity capital to assets | 14.6559% | 795 |
| Core capital (leverage) ratio | 11.0330% | 2,494 |
| Tier 1 risk-based capital ratio | 13.6401% | 3,468 |
| Total risk-based capital ratio | 14.2218% | 3,749 |
| Memoranda: | ||
| Average total assets | $2,681,567,000 | 344 |
| Average earning assets | $2,386,660,400 | 344 |
| Average equity | $382,083,000 | 295 |
| Average total loans | $2,132,838,400 | 319 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9062% | 1,144 |
| Cost of funding earning assets | 0.9487% | 754 |
| Net interest margin | 3.9574% | 2,096 |
| Noninterest income to average assets | 0.3975% | 3,499 |
| Noninterest expense to average assets | 1.9583% | 4,812 |
| Loan and lease loss provision to assets | 0.1844% | 987 |
| Net operating income to assets | 1.4187% | 1,423 |
| Return on assets (ROA) | 1.4187% | 1,422 |
| Pretax return on assets | 1.7752% | 1,072 |
| Return on Equity (ROE) | 10.0293% | 2,610 |
| Retained earnings to average equity (ytd only) | 7.9153% | 1,696 |
| Net charge-offs to loans | 0.1035% | 1,452 |
| Credit loss provision to net charge-offs | 224.7874% | 1,275 |
| Earnings coverage of net charge-offs (x) | 23.8870% | 1,836 |
| Efficiency ratio | 47.9042% | 5,054 |
| Assets per employee ($millions) | 7.3523% | 821 |
| Cash dividends to net income (ytd only)* | 21.0785% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5298% | 5,150 |
| Loan loss allowance to noncurrent loans | 230.8204% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 3,128 |
| Noncurrent loans to loans | 0.2295% | 3,884 |
| Net loans and leases to total assets | 79.4617% | 1,097 |
| Net loans and leases to deposits | 105.8832% | 447 |
| Net loans and leases to core deposits | 136.1487% | 240 |
| Total domestic deposits to total assets | 75.0465% | 4,876 |
| Equity capital to assets | 14.3632% | 862 |
| Core capital (leverage) ratio | 10.7512% | 2,836 |
| Tier 1 risk-based capital ratio | 13.2313% | 3,768 |
| Total risk-based capital ratio | 13.7796% | 4,079 |
| Memoranda: | ||
| Average total assets | $2,675,179,500 | 344 |
| Average earning assets | $2,379,798,000 | 346 |
| Average equity | $378,415,500 | 294 |
| Average total loans | $2,121,342,000 | 318 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8729% | 1,078 |
| Cost of funding earning assets | 0.8723% | 821 |
| Net interest margin | 4.0006% | 1,859 |
| Noninterest income to average assets | 0.4107% | 3,419 |
| Noninterest expense to average assets | 2.0011% | 4,800 |
| Loan and lease loss provision to assets | 0.1989% | 865 |
| Net operating income to assets | 1.4107% | 1,396 |
| Return on assets (ROA) | 1.4107% | 1,400 |
| Pretax return on assets | 1.7664% | 1,044 |
| Return on Equity (ROE) | 10.0241% | 2,552 |
| Retained earnings to average equity (ytd only) | 7.8909% | 1,671 |
| Net charge-offs to loans | 0.0993% | 1,359 |
| Credit loss provision to net charge-offs | 253.1041% | 1,127 |
| Earnings coverage of net charge-offs (x) | 25.0086% | 1,652 |
| Efficiency ratio | 48.3754% | 5,100 |
| Assets per employee ($millions) | 6.8838% | 971 |
| Cash dividends to net income (ytd only)* | 21.2811% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5105% | 5,246 |
| Loan loss allowance to noncurrent loans | 190.2785% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 3,059 |
| Noncurrent loans to loans | 0.2683% | 3,750 |
| Net loans and leases to total assets | 78.6466% | 1,221 |
| Net loans and leases to deposits | 107.7665% | 359 |
| Net loans and leases to core deposits | 135.6629% | 246 |
| Total domestic deposits to total assets | 72.9788% | 5,119 |
| Equity capital to assets | 13.9991% | 928 |
| Core capital (leverage) ratio | 10.4311% | 3,098 |
| Tier 1 risk-based capital ratio | 13.0653% | 3,864 |
| Total risk-based capital ratio | 13.5976% | 4,166 |
| Memoranda: | ||
| Average total assets | $2,664,689,000 | 346 |
| Average earning assets | $2,368,322,670 | 348 |
| Average equity | $375,014,670 | 290 |
| Average total loans | $2,107,987,330 | 320 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7864% | 1,111 |
| Cost of funding earning assets | 0.7996% | 958 |
| Net interest margin | 3.9868% | 1,769 |
| Noninterest income to average assets | 0.4372% | 3,196 |
| Noninterest expense to average assets | 2.0238% | 4,802 |
| Loan and lease loss provision to assets | 0.2430% | 622 |
| Net operating income to assets | 1.3660% | 1,437 |
| Return on assets (ROA) | 1.3660% | 1,450 |
| Pretax return on assets | 1.7146% | 1,078 |
| Return on Equity (ROE) | 9.6795% | 2,596 |
| Retained earnings to average equity (ytd only) | 7.5273% | 2,035 |
| Net charge-offs to loans | 0.0464% | 1,656 |
| Credit loss provision to net charge-offs | 661.1570% | 488 |
| Earnings coverage of net charge-offs (x) | 53.2686% | 917 |
| Efficiency ratio | 48.7032% | 5,162 |
| Assets per employee ($millions) | 6.8013% | 1,045 |
| Cash dividends to net income (ytd only)* | 22.2346% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5105% | 5,322 |
| Loan loss allowance to noncurrent loans | 62.0779% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 0.9293% | 1,704 |
| Noncurrent loans to loans | 0.8224% | 2,174 |
| Net loans and leases to total assets | 79.0190% | 1,081 |
| Net loans and leases to deposits | 110.2306% | 249 |
| Net loans and leases to core deposits | 133.2732% | 292 |
| Total domestic deposits to total assets | 71.6851% | 5,303 |
| Equity capital to assets | 14.1177% | 861 |
| Core capital (leverage) ratio | 10.4113% | 3,051 |
| Tier 1 risk-based capital ratio | 12.8652% | 4,028 |
| Total risk-based capital ratio | 13.3925% | 4,361 |
| Memoranda: | ||
| Average total assets | $2,634,043,000 | 351 |
| Average earning assets | $2,341,612,500 | 351 |
| Average equity | $371,715,000 | 296 |
| Average total loans | $2,084,535,000 | 321 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,455 |
| Cost of funding earning assets | 0.7260% | 905 |
| Net interest margin | 3.8671% | 2,192 |
| Noninterest income to average assets | 0.2297% | 4,766 |
| Noninterest expense to average assets | 2.2307% | 4,471 |
| Loan and lease loss provision to assets | 0.4242% | 336 |
| Net operating income to assets | 0.3344% | 4,859 |
| Return on assets (ROA) | 0.3424% | 4,870 |
| Pretax return on assets | 1.0479% | 3,387 |
| Return on Equity (ROE) | 2.5182% | 4,946 |
| Retained earnings to average equity (ytd only) | 0.7461% | 4,745 |
| Net charge-offs to loans | 0.4867% | 489 |
| Credit loss provision to net charge-offs | 110.0408% | 2,370 |
| Earnings coverage of net charge-offs (x) | 3.7862% | 3,556 |
| Efficiency ratio | 58.3018% | 4,491 |
| Assets per employee ($millions) | 6.6554% | 1,123 |
| Cash dividends to net income (ytd only)* | 70.3720% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4557% | 5,442 |
| Loan loss allowance to noncurrent loans | 52.1331% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 1,582 |
| Noncurrent loans to loans | 0.8740% | 2,040 |
| Net loans and leases to total assets | 78.4887% | 1,218 |
| Net loans and leases to deposits | 109.6994% | 277 |
| Net loans and leases to core deposits | 127.7684% | 395 |
| Total domestic deposits to total assets | 71.5489% | 5,344 |
| Equity capital to assets | 14.1062% | 877 |
| Core capital (leverage) ratio | 10.2605% | 3,115 |
| Tier 1 risk-based capital ratio | 12.7907% | 4,040 |
| Total risk-based capital ratio | 13.2591% | 4,404 |
| Memoranda: | ||
| Average total assets | $2,033,296,400 | 403 |
| Average earning assets | $1,819,521,600 | 409 |
| Average equity | $276,507,600 | 345 |
| Average total loans | $1,610,406,400 | 371 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 2,069 |
| Cost of funding earning assets | 0.7100% | 919 |
| Net interest margin | 3.6526% | 2,941 |
| Noninterest income to average assets | 0.1870% | 5,078 |
| Noninterest expense to average assets | 2.4645% | 3,839 |
| Loan and lease loss provision to assets | 0.4842% | 242 |
| Net operating income to assets | 0.3287% | 5,159 |
| Return on assets (ROA) | 0.3403% | 5,163 |
| Pretax return on assets | 0.5469% | 4,936 |
| Return on Equity (ROE) | 2.5446% | 5,211 |
| Retained earnings to average equity (ytd only) | 1.0117% | 4,970 |
| Net charge-offs to loans | 0.5526% | 361 |
| Credit loss provision to net charge-offs | 110.3771% | 2,138 |
| Earnings coverage of net charge-offs (x) | 2.3095% | 3,481 |
| Efficiency ratio | 68.7527% | 2,746 |
| Assets per employee ($millions) | 6.3796% | 1,262 |
| Cash dividends to net income (ytd only)* | 60.2409% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4547% | 5,512 |
| Loan loss allowance to noncurrent loans | 65.6312% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8532% | 2,020 |
| Noncurrent loans to loans | 0.6928% | 2,633 |
| Net loans and leases to total assets | 78.0256% | 1,267 |
| Net loans and leases to deposits | 105.9009% | 423 |
| Net loans and leases to core deposits | 123.3018% | 479 |
| Total domestic deposits to total assets | 73.6780% | 5,262 |
| Equity capital to assets | 14.2211% | 933 |
| Core capital (leverage) ratio | 10.3651% | 3,117 |
| Tier 1 risk-based capital ratio | 12.7574% | 4,166 |
| Total risk-based capital ratio | 13.2161% | 4,525 |
| Memoranda: | ||
| Average total assets | $1,886,332,500 | 434 |
| Average earning assets | $1,699,407,750 | 435 |
| Average equity | $252,245,250 | 369 |
| Average total loans | $1,497,426,000 | 390 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5734% | 4,582 |
| Cost of funding earning assets | 0.6587% | 1,097 |
| Net interest margin | 2.9147% | 5,072 |
| Noninterest income to average assets | 0.0406% | 5,669 |
| Noninterest expense to average assets | 2.4816% | 3,804 |
| Loan and lease loss provision to assets | 0.1940% | 951 |
| Net operating income to assets | -0.0444% | 5,570 |
| Return on assets (ROA) | -0.0245% | 5,561 |
| Pretax return on assets | 0.0369% | 5,533 |
| Return on Equity (ROE) | -0.1895% | 5,560 |
| Retained earnings to average equity (ytd only) | -1.0336% | 5,237 |
| Net charge-offs to loans | 0.1537% | 1,235 |
| Credit loss provision to net charge-offs | 157.9467% | 1,478 |
| Earnings coverage of net charge-offs (x) | 1.6259% | 3,264 |
| Efficiency ratio | 90.2781% | 443 |
| Assets per employee ($millions) | 6.0462% | 1,426 |
| Cash dividends to net income (ytd only)* | -445.5446% | 5,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4487% | 5,566 |
| Loan loss allowance to noncurrent loans | 232.3648% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 3,212 |
| Noncurrent loans to loans | 0.1931% | 4,346 |
| Net loans and leases to total assets | 77.5903% | 1,303 |
| Net loans and leases to deposits | 100.4744% | 705 |
| Net loans and leases to core deposits | 119.5759% | 574 |
| Total domestic deposits to total assets | 77.2239% | 4,924 |
| Equity capital to assets | 13.9167% | 995 |
| Core capital (leverage) ratio | 21.8406% | 142 |
| Tier 1 risk-based capital ratio | 12.4805% | 4,317 |
| Total risk-based capital ratio | 12.9375% | 4,730 |
| Memoranda: | ||
| Average total assets | $1,649,613,670 | 480 |
| Average earning assets | $1,494,479,000 | 484 |
| Average equity | $213,244,330 | 418 |
| Average total loans | $1,318,174,330 | 431 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 1,004 |
| Cost of funding earning assets | 0.8675% | 340 |
| Net interest margin | 3.7954% | 2,129 |
| Noninterest income to average assets | -0.0214% | 5,827 |
| Noninterest expense to average assets | 2.0559% | 4,932 |
| Loan and lease loss provision to assets | 0.1898% | 883 |
| Net operating income to assets | 0.7949% | 3,245 |
| Return on assets (ROA) | 0.7949% | 3,304 |
| Pretax return on assets | 1.2424% | 2,441 |
| Return on Equity (ROE) | 6.7341% | 3,529 |
| Retained earnings to average equity (ytd only) | 4.1036% | 3,408 |
| Net charge-offs to loans | 0.2025% | 853 |
| Credit loss provision to net charge-offs | 114.1079% | 1,452 |
| Earnings coverage of net charge-offs (x) | 8.6120% | 2,047 |
| Efficiency ratio | 58.4669% | 4,666 |
| Assets per employee ($millions) | 7.2639% | 834 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,794 |
| Loan loss allowance to noncurrent loans | 192.3316% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 1.0858% | 1,642 |
| Noncurrent loans to loans | 0.4631% | 3,433 |
| Net loans and leases to total assets | 82.0513% | 561 |
| Net loans and leases to deposits | 106.9447% | 285 |
| Net loans and leases to core deposits | 139.9256% | 170 |
| Total domestic deposits to total assets | 76.7231% | 5,148 |
| Equity capital to assets | 12.6335% | 1,449 |
| Core capital (leverage) ratio | 12.2195% | 1,492 |
| Tier 1 risk-based capital ratio | 14.6608% | 3,134 |
| Total risk-based capital ratio | 15.5824% | 3,212 |
| Memoranda: | ||
| Average total assets | $1,159,379,000 | 646 |
| Average earning assets | $1,072,031,000 | 643 |
| Average equity | $136,856,500 | 593 |
| Average total loans | $952,318,500 | 569 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 876 |
| Cost of funding earning assets | 0.8515% | 386 |
| Net interest margin | 3.9571% | 1,760 |
| Noninterest income to average assets | 0.2608% | 4,866 |
| Noninterest expense to average assets | 2.0418% | 5,109 |
| Loan and lease loss provision to assets | 0.4452% | 323 |
| Net operating income to assets | 0.9438% | 2,612 |
| Return on assets (ROA) | 0.9438% | 2,722 |
| Pretax return on assets | 1.4102% | 1,904 |
| Return on Equity (ROE) | 8.5518% | 2,642 |
| Retained earnings to average equity (ytd only) | 5.5953% | 1,949 |
| Net charge-offs to loans | 0.5307% | 453 |
| Credit loss provision to net charge-offs | 104.0017% | 2,493 |
| Earnings coverage of net charge-offs (x) | 4.3345% | 3,512 |
| Efficiency ratio | 51.8814% | 5,391 |
| Assets per employee ($millions) | 7.0494% | 905 |
| Cash dividends to net income (ytd only)* | 34.5722% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 4,674 |
| Loan loss allowance to noncurrent loans | 185.3606% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 1.1613% | 1,577 |
| Noncurrent loans to loans | 0.4992% | 3,368 |
| Net loans and leases to total assets | 80.7183% | 782 |
| Net loans and leases to deposits | 100.8145% | 619 |
| Net loans and leases to core deposits | 131.9043% | 264 |
| Total domestic deposits to total assets | 80.0662% | 4,563 |
| Equity capital to assets | 10.9498% | 2,669 |
| Core capital (leverage) ratio | 10.4470% | 2,934 |
| Tier 1 risk-based capital ratio | 12.5515% | 4,354 |
| Total risk-based capital ratio | 13.4930% | 4,421 |
| Memoranda: | ||
| Average total assets | $1,103,357,400 | 653 |
| Average earning assets | $1,013,912,200 | 652 |
| Average equity | $121,763,600 | 656 |
| Average total loans | $889,929,200 | 570 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 829 |
| Cost of funding earning assets | 0.8399% | 403 |
| Net interest margin | 3.9994% | 1,651 |
| Noninterest income to average assets | 0.3376% | 4,368 |
| Noninterest expense to average assets | 2.0471% | 5,115 |
| Loan and lease loss provision to assets | 0.4952% | 254 |
| Net operating income to assets | 1.0022% | 2,421 |
| Return on assets (ROA) | 1.0022% | 2,561 |
| Pretax return on assets | 1.4665% | 1,824 |
| Return on Equity (ROE) | 9.0630% | 2,455 |
| Retained earnings to average equity (ytd only) | 6.0865% | 2,134 |
| Net charge-offs to loans | 0.6083% | 340 |
| Credit loss provision to net charge-offs | 101.1958% | 2,325 |
| Earnings coverage of net charge-offs (x) | 4.0090% | 3,325 |
| Efficiency ratio | 50.5535% | 5,466 |
| Assets per employee ($millions) | 6.9632% | 904 |
| Cash dividends to net income (ytd only)* | 32.8427% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 4,764 |
| Loan loss allowance to noncurrent loans | 191.0444% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 1.2136% | 1,635 |
| Noncurrent loans to loans | 0.4856% | 3,551 |
| Net loans and leases to total assets | 79.6796% | 934 |
| Net loans and leases to deposits | 98.4320% | 816 |
| Net loans and leases to core deposits | 127.3778% | 346 |
| Total domestic deposits to total assets | 80.9489% | 4,262 |
| Equity capital to assets | 10.9028% | 3,128 |
| Core capital (leverage) ratio | 10.4570% | 3,040 |
| Tier 1 risk-based capital ratio | 12.4579% | 4,502 |
| Total risk-based capital ratio | 13.3879% | 4,618 |
| Memoranda: | ||
| Average total assets | $1,093,696,250 | 658 |
| Average earning assets | $1,003,950,500 | 662 |
| Average equity | $120,942,750 | 663 |
| Average total loans | $879,807,750 | 570 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 860 |
| Cost of funding earning assets | 0.8229% | 433 |
| Net interest margin | 3.9920% | 1,666 |
| Noninterest income to average assets | 0.2826% | 4,763 |
| Noninterest expense to average assets | 2.1231% | 5,008 |
| Loan and lease loss provision to assets | 0.3726% | 418 |
| Net operating income to assets | 1.0041% | 2,376 |
| Return on assets (ROA) | 1.0041% | 2,509 |
| Pretax return on assets | 1.4518% | 1,834 |
| Return on Equity (ROE) | 9.0360% | 2,483 |
| Retained earnings to average equity (ytd only) | 6.0362% | 2,098 |
| Net charge-offs to loans | 0.4632% | 483 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 4.8961% | 2,928 |
| Efficiency ratio | 53.2020% | 5,372 |
| Assets per employee ($millions) | 6.3650% | 1,159 |
| Cash dividends to net income (ytd only)* | 33.1981% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 4,856 |
| Loan loss allowance to noncurrent loans | 284.7819% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 1.1082% | 1,910 |
| Noncurrent loans to loans | 0.3263% | 4,198 |
| Net loans and leases to total assets | 80.1533% | 877 |
| Net loans and leases to deposits | 99.2896% | 755 |
| Net loans and leases to core deposits | 128.0590% | 332 |
| Total domestic deposits to total assets | 80.7268% | 4,353 |
| Equity capital to assets | 10.8655% | 3,213 |
| Core capital (leverage) ratio | 10.4066% | 3,072 |
| Tier 1 risk-based capital ratio | 12.4335% | 4,572 |
| Total risk-based capital ratio | 13.3723% | 4,673 |
| Memoranda: | ||
| Average total assets | $1,079,929,000 | 665 |
| Average earning assets | $991,430,000 | 667 |
| Average equity | $120,008,330 | 666 |
| Average total loans | $868,800,000 | 576 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 881 |
| Cost of funding earning assets | 0.8078% | 475 |
| Net interest margin | 3.9785% | 1,680 |
| Noninterest income to average assets | 0.1657% | 5,496 |
| Noninterest expense to average assets | 2.2163% | 4,869 |
| Loan and lease loss provision to assets | 0.2359% | 774 |
| Net operating income to assets | 0.9810% | 2,365 |
| Return on assets (ROA) | 0.9810% | 2,481 |
| Pretax return on assets | 1.3607% | 2,042 |
| Return on Equity (ROE) | 8.7250% | 2,549 |
| Retained earnings to average equity (ytd only) | 5.7036% | 2,527 |
| Net charge-offs to loans | 0.1675% | 1,136 |
| Credit loss provision to net charge-offs | 175.5618% | 1,170 |
| Earnings coverage of net charge-offs (x) | 11.8820% | 1,834 |
| Efficiency ratio | 57.5134% | 5,053 |
| Assets per employee ($millions) | 5.9551% | 1,434 |
| Cash dividends to net income (ytd only)* | 34.6287% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 4,622 |
| Loan loss allowance to noncurrent loans | 245.2032% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2594% | 1,722 |
| Noncurrent loans to loans | 0.4071% | 3,978 |
| Net loans and leases to total assets | 79.5278% | 885 |
| Net loans and leases to deposits | 100.3221% | 602 |
| Net loans and leases to core deposits | 129.8075% | 276 |
| Total domestic deposits to total assets | 79.2725% | 4,908 |
| Equity capital to assets | 11.0619% | 2,873 |
| Core capital (leverage) ratio | 10.7080% | 2,716 |
| Tier 1 risk-based capital ratio | 12.6482% | 4,488 |
| Total risk-based capital ratio | 13.6494% | 4,555 |
| Memoranda: | ||
| Average total assets | $1,059,770,000 | 676 |
| Average earning assets | $971,515,000 | 684 |
| Average equity | $119,152,500 | 674 |
| Average total loans | $850,032,000 | 584 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8703% | 825 |
| Cost of funding earning assets | 0.7915% | 509 |
| Net interest margin | 4.0788% | 1,465 |
| Noninterest income to average assets | 0.3174% | 4,625 |
| Noninterest expense to average assets | 2.3162% | 4,734 |
| Loan and lease loss provision to assets | 0.3224% | 506 |
| Net operating income to assets | 0.9227% | 2,742 |
| Return on assets (ROA) | 0.9582% | 2,657 |
| Pretax return on assets | 1.4397% | 1,757 |
| Return on Equity (ROE) | 8.0881% | 2,912 |
| Retained earnings to average equity (ytd only) | 2.6812% | 4,161 |
| Net charge-offs to loans | 0.2816% | 1,079 |
| Credit loss provision to net charge-offs | 147.6945% | 1,797 |
| Earnings coverage of net charge-offs (x) | 7.8300% | 3,035 |
| Efficiency ratio | 56.8802% | 5,264 |
| Assets per employee ($millions) | 5.7221% | 1,601 |
| Cash dividends to net income (ytd only)* | 66.8506% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 4,512 |
| Loan loss allowance to noncurrent loans | 172.8803% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.4782% | 1,379 |
| Noncurrent loans to loans | 0.5873% | 3,407 |
| Net loans and leases to total assets | 79.2699% | 952 |
| Net loans and leases to deposits | 99.3338% | 727 |
| Net loans and leases to core deposits | 124.7061% | 360 |
| Total domestic deposits to total assets | 79.8015% | 4,794 |
| Equity capital to assets | 11.4331% | 2,412 |
| Core capital (leverage) ratio | 10.9442% | 2,455 |
| Tier 1 risk-based capital ratio | 12.9885% | 4,328 |
| Total risk-based capital ratio | 14.0008% | 4,383 |
| Memoranda: | ||
| Average total assets | $983,542,200 | 702 |
| Average earning assets | $894,139,400 | 706 |
| Average equity | $116,516,400 | 659 |
| Average total loans | $762,343,800 | 614 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 806 |
| Cost of funding earning assets | 0.7845% | 541 |
| Net interest margin | 4.0923% | 1,425 |
| Noninterest income to average assets | 0.3228% | 4,634 |
| Noninterest expense to average assets | 2.2621% | 4,881 |
| Loan and lease loss provision to assets | 0.3950% | 309 |
| Net operating income to assets | 0.9208% | 2,856 |
| Return on assets (ROA) | 0.9690% | 2,708 |
| Pretax return on assets | 1.4508% | 1,827 |
| Return on Equity (ROE) | 8.1037% | 3,024 |
| Retained earnings to average equity (ytd only) | 4.8866% | 2,994 |
| Net charge-offs to loans | 0.3811% | 676 |
| Credit loss provision to net charge-offs | 134.9132% | 1,826 |
| Earnings coverage of net charge-offs (x) | 6.0591% | 3,112 |
| Efficiency ratio | 55.3816% | 5,417 |
| Assets per employee ($millions) | 5.6526% | 1,633 |
| Cash dividends to net income (ytd only)* | 39.6994% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 4,560 |
| Loan loss allowance to noncurrent loans | 148.8958% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.6451% | 1,337 |
| Noncurrent loans to loans | 0.6939% | 3,241 |
| Net loans and leases to total assets | 76.7978% | 1,275 |
| Net loans and leases to deposits | 93.9586% | 1,209 |
| Net loans and leases to core deposits | 116.0281% | 593 |
| Total domestic deposits to total assets | 81.7358% | 4,245 |
| Equity capital to assets | 11.7430% | 2,313 |
| Core capital (leverage) ratio | 10.8508% | 2,644 |
| Tier 1 risk-based capital ratio | 13.7382% | 4,000 |
| Total risk-based capital ratio | 14.7650% | 4,062 |
| Memoranda: | ||
| Average total assets | $970,501,000 | 721 |
| Average earning assets | $880,585,000 | 725 |
| Average equity | $116,042,250 | 663 |
| Average total loans | $745,573,500 | 630 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 754 |
| Cost of funding earning assets | 0.7449% | 667 |
| Net interest margin | 4.1420% | 1,248 |
| Noninterest income to average assets | 0.3033% | 4,784 |
| Noninterest expense to average assets | 2.3133% | 4,811 |
| Loan and lease loss provision to assets | 0.4242% | 263 |
| Net operating income to assets | 0.8773% | 3,001 |
| Return on assets (ROA) | 0.9503% | 2,748 |
| Pretax return on assets | 1.4205% | 1,896 |
| Return on Equity (ROE) | 7.8976% | 3,112 |
| Retained earnings to average equity (ytd only) | 4.5903% | 3,115 |
| Net charge-offs to loans | 0.3954% | 659 |
| Credit loss provision to net charge-offs | 140.1384% | 1,603 |
| Earnings coverage of net charge-offs (x) | 5.7349% | 2,896 |
| Efficiency ratio | 56.4585% | 5,385 |
| Assets per employee ($millions) | 5.6499% | 1,622 |
| Cash dividends to net income (ytd only)* | 41.8779% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 4,596 |
| Loan loss allowance to noncurrent loans | 147.3548% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.8858% | 1,209 |
| Noncurrent loans to loans | 0.7138% | 3,348 |
| Net loans and leases to total assets | 74.3622% | 1,602 |
| Net loans and leases to deposits | 91.8941% | 1,389 |
| Net loans and leases to core deposits | 113.7901% | 676 |
| Total domestic deposits to total assets | 80.9217% | 4,635 |
| Equity capital to assets | 11.6548% | 2,285 |
| Core capital (leverage) ratio | 11.2608% | 2,201 |
| Tier 1 risk-based capital ratio | 13.7744% | 4,051 |
| Total risk-based capital ratio | 14.7986% | 4,121 |
| Memoranda: | ||
| Average total assets | $954,843,670 | 735 |
| Average earning assets | $863,493,670 | 745 |
| Average equity | $114,895,670 | 673 |
| Average total loans | $730,913,000 | 641 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9746% | 595 |
| Cost of funding earning assets | 0.7208% | 769 |
| Net interest margin | 4.2538% | 970 |
| Noninterest income to average assets | 0.0509% | 6,228 |
| Noninterest expense to average assets | 2.3570% | 4,716 |
| Loan and lease loss provision to assets | 0.2266% | 770 |
| Net operating income to assets | 0.8768% | 2,861 |
| Return on assets (ROA) | 0.8768% | 2,989 |
| Pretax return on assets | 1.3067% | 2,257 |
| Return on Equity (ROE) | 7.1635% | 3,419 |
| Retained earnings to average equity (ytd only) | 3.6364% | 3,823 |
| Net charge-offs to loans | 0.1106% | 1,635 |
| Credit loss provision to net charge-offs | 265.1515% | 891 |
| Earnings coverage of net charge-offs (x) | 17.9394% | 1,503 |
| Efficiency ratio | 59.8646% | 5,107 |
| Assets per employee ($millions) | 5.2049% | 2,107 |
| Cash dividends to net income (ytd only)* | 49.2368% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 4,701 |
| Loan loss allowance to noncurrent loans | 115.1249% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 2.0608% | 1,138 |
| Noncurrent loans to loans | 0.9221% | 2,936 |
| Net loans and leases to total assets | 77.0087% | 1,056 |
| Net loans and leases to deposits | 94.7008% | 920 |
| Net loans and leases to core deposits | 120.0381% | 415 |
| Total domestic deposits to total assets | 81.3179% | 4,729 |
| Equity capital to assets | 12.1615% | 1,916 |
| Core capital (leverage) ratio | 11.6540% | 1,886 |
| Tier 1 risk-based capital ratio | 14.1144% | 3,939 |
| Total risk-based capital ratio | 15.1464% | 4,013 |
| Memoranda: | ||
| Average total assets | $926,599,500 | 754 |
| Average earning assets | $836,330,000 | 765 |
| Average equity | $113,409,000 | 679 |
| Average total loans | $716,348,000 | 653 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3075% | 444 |
| Cost of funding earning assets | 0.6520% | 1,389 |
| Net interest margin | 4.6555% | 564 |
| Noninterest income to average assets | 0.3610% | 4,511 |
| Noninterest expense to average assets | 2.6702% | 3,978 |
| Loan and lease loss provision to assets | 0.4303% | 396 |
| Net operating income to assets | 0.9517% | 2,624 |
| Return on assets (ROA) | 0.9483% | 2,726 |
| Pretax return on assets | 1.4242% | 1,800 |
| Return on Equity (ROE) | 6.9264% | 3,676 |
| Retained earnings to average equity (ytd only) | 0.9947% | 5,328 |
| Net charge-offs to loans | 0.5084% | 803 |
| Credit loss provision to net charge-offs | 111.2403% | 2,142 |
| Earnings coverage of net charge-offs (x) | 4.8075% | 3,562 |
| Efficiency ratio | 58.3407% | 5,424 |
| Assets per employee ($millions) | 5.2948% | 1,972 |
| Cash dividends to net income (ytd only)* | 85.6390% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 4,795 |
| Loan loss allowance to noncurrent loans | 113.8514% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 2.1357% | 1,151 |
| Noncurrent loans to loans | 0.9257% | 3,001 |
| Net loans and leases to total assets | 75.9892% | 1,266 |
| Net loans and leases to deposits | 93.6178% | 1,117 |
| Net loans and leases to core deposits | 117.6433% | 485 |
| Total domestic deposits to total assets | 81.1696% | 4,692 |
| Equity capital to assets | 12.3231% | 1,756 |
| Core capital (leverage) ratio | 11.5282% | 1,956 |
| Tier 1 risk-based capital ratio | 14.8563% | 3,567 |
| Total risk-based capital ratio | 15.9314% | 3,596 |
| Memoranda: | ||
| Average total assets | $800,376,800 | 844 |
| Average earning assets | $716,725,400 | 859 |
| Average equity | $109,580,000 | 670 |
| Average total loans | $608,952,600 | 719 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3229% | 428 |
| Cost of funding earning assets | 0.6366% | 1,550 |
| Net interest margin | 4.6863% | 516 |
| Noninterest income to average assets | 0.4068% | 4,192 |
| Noninterest expense to average assets | 2.7191% | 3,753 |
| Loan and lease loss provision to assets | 0.4051% | 414 |
| Net operating income to assets | 0.9765% | 2,558 |
| Return on assets (ROA) | 0.9718% | 2,653 |
| Pretax return on assets | 1.4649% | 1,755 |
| Return on Equity (ROE) | 6.8936% | 3,757 |
| Retained earnings to average equity (ytd only) | 3.5835% | 4,099 |
| Net charge-offs to loans | 0.5207% | 738 |
| Credit loss provision to net charge-offs | 102.5372% | 2,151 |
| Earnings coverage of net charge-offs (x) | 4.7511% | 3,389 |
| Efficiency ratio | 58.5922% | 5,366 |
| Assets per employee ($millions) | 5.2541% | 1,951 |
| Cash dividends to net income (ytd only)* | 48.0170% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 4,880 |
| Loan loss allowance to noncurrent loans | 143.4555% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 2.0303% | 1,403 |
| Noncurrent loans to loans | 0.7458% | 3,737 |
| Net loans and leases to total assets | 74.6248% | 1,424 |
| Net loans and leases to deposits | 94.1250% | 1,031 |
| Net loans and leases to core deposits | 116.3906% | 492 |
| Total domestic deposits to total assets | 79.2827% | 5,267 |
| Equity capital to assets | 12.9959% | 1,424 |
| Core capital (leverage) ratio | 12.6824% | 1,314 |
| Tier 1 risk-based capital ratio | 16.1104% | 3,011 |
| Total risk-based capital ratio | 17.2117% | 3,023 |
| Memoranda: | ||
| Average total assets | $771,472,000 | 882 |
| Average earning assets | $689,652,000 | 898 |
| Average equity | $108,755,250 | 671 |
| Average total loans | $585,322,750 | 750 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3575% | 399 |
| Cost of funding earning assets | 0.6469% | 1,533 |
| Net interest margin | 4.7106% | 476 |
| Noninterest income to average assets | 0.4180% | 4,114 |
| Noninterest expense to average assets | 2.8056% | 3,485 |
| Loan and lease loss provision to assets | 0.3728% | 464 |
| Net operating income to assets | 0.9556% | 2,527 |
| Return on assets (ROA) | 0.9483% | 2,656 |
| Pretax return on assets | 1.4349% | 1,766 |
| Return on Equity (ROE) | 6.5225% | 3,868 |
| Retained earnings to average equity (ytd only) | 3.1507% | 4,199 |
| Net charge-offs to loans | 0.3936% | 1,024 |
| Credit loss provision to net charge-offs | 124.5678% | 1,676 |
| Earnings coverage of net charge-offs (x) | 6.0773% | 2,826 |
| Efficiency ratio | 60.1378% | 5,275 |
| Assets per employee ($millions) | 5.0611% | 2,136 |
| Cash dividends to net income (ytd only)* | 51.6944% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 4,204 |
| Loan loss allowance to noncurrent loans | 105.3115% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 2.6183% | 1,032 |
| Noncurrent loans to loans | 1.1800% | 2,873 |
| Net loans and leases to total assets | 75.2903% | 1,268 |
| Net loans and leases to deposits | 102.2000% | 439 |
| Net loans and leases to core deposits | 125.9522% | 270 |
| Total domestic deposits to total assets | 73.6696% | 6,140 |
| Equity capital to assets | 13.9073% | 1,010 |
| Core capital (leverage) ratio | 13.8881% | 865 |
| Tier 1 risk-based capital ratio | 17.0506% | 2,597 |
| Total risk-based capital ratio | 18.2910% | 2,560 |
| Memoranda: | ||
| Average total assets | $734,397,330 | 928 |
| Average earning assets | $655,790,670 | 947 |
| Average equity | $106,769,000 | 681 |
| Average total loans | $558,485,670 | 783 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4125% | 339 |
| Cost of funding earning assets | 0.6602% | 1,512 |
| Net interest margin | 4.7523% | 419 |
| Noninterest income to average assets | 0.5465% | 3,072 |
| Noninterest expense to average assets | 2.7357% | 3,815 |
| Loan and lease loss provision to assets | 0.6579% | 189 |
| Net operating income to assets | 0.9444% | 2,434 |
| Return on assets (ROA) | 0.9384% | 2,534 |
| Pretax return on assets | 1.3919% | 1,776 |
| Return on Equity (ROE) | 6.3062% | 3,849 |
| Retained earnings to average equity (ytd only) | 2.9198% | 4,346 |
| Net charge-offs to loans | 0.6702% | 548 |
| Credit loss provision to net charge-offs | 129.2629% | 1,391 |
| Earnings coverage of net charge-offs (x) | 4.0451% | 2,576 |
| Efficiency ratio | 56.5339% | 5,794 |
| Assets per employee ($millions) | 5.0562% | 2,181 |
| Cash dividends to net income (ytd only)* | 53.6993% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 3,769 |
| Loan loss allowance to noncurrent loans | 102.3942% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 2.9370% | 985 |
| Noncurrent loans to loans | 1.3327% | 2,810 |
| Net loans and leases to total assets | 74.5786% | 1,175 |
| Net loans and leases to deposits | 95.4002% | 691 |
| Net loans and leases to core deposits | 112.4419% | 506 |
| Total domestic deposits to total assets | 78.1744% | 5,805 |
| Equity capital to assets | 14.9724% | 680 |
| Core capital (leverage) ratio | 14.1779% | 764 |
| Tier 1 risk-based capital ratio | 18.6423% | 2,076 |
| Total risk-based capital ratio | 19.8911% | 2,040 |
| Memoranda: | ||
| Average total assets | $714,418,500 | 950 |
| Average earning assets | $638,593,500 | 975 |
| Average equity | $106,307,500 | 685 |
| Average total loans | $542,553,500 | 809 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5199% | 352 |
| Cost of funding earning assets | 0.7338% | 1,606 |
| Net interest margin | 4.7862% | 445 |
| Noninterest income to average assets | 0.2525% | 5,540 |
| Noninterest expense to average assets | 2.7071% | 4,070 |
| Loan and lease loss provision to assets | 0.5068% | 551 |
| Net operating income to assets | 0.8800% | 2,880 |
| Return on assets (ROA) | 0.8931% | 2,907 |
| Pretax return on assets | 1.3268% | 2,047 |
| Return on Equity (ROE) | 6.1086% | 4,029 |
| Retained earnings to average equity (ytd only) | 3.5386% | 3,703 |
| Net charge-offs to loans | 0.6736% | 963 |
| Credit loss provision to net charge-offs | 101.7736% | 2,374 |
| Earnings coverage of net charge-offs (x) | 3.6430% | 3,800 |
| Efficiency ratio | 58.4266% | 5,689 |
| Assets per employee ($millions) | 5.1136% | 2,053 |
| Cash dividends to net income (ytd only)* | 42.0722% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,152 |
| Loan loss allowance to noncurrent loans | 75.1378% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.9652% | 1,072 |
| Noncurrent loans to loans | 1.7280% | 2,328 |
| Net loans and leases to total assets | 75.2846% | 1,186 |
| Net loans and leases to deposits | 99.6034% | 502 |
| Net loans and leases to core deposits | 116.3133% | 410 |
| Total domestic deposits to total assets | 75.5844% | 6,129 |
| Equity capital to assets | 14.7885% | 712 |
| Core capital (leverage) ratio | 14.1231% | 797 |
| Tier 1 risk-based capital ratio | 18.4297% | 2,108 |
| Total risk-based capital ratio | 19.6778% | 2,067 |
| Memoranda: | ||
| Average total assets | $713,285,000 | 928 |
| Average earning assets | $636,165,200 | 953 |
| Average equity | $104,279,400 | 680 |
| Average total loans | $527,308,800 | 806 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5488% | 344 |
| Cost of funding earning assets | 0.7458% | 1,631 |
| Net interest margin | 4.8030% | 428 |
| Noninterest income to average assets | 0.3366% | 5,000 |
| Noninterest expense to average assets | 2.7007% | 4,018 |
| Loan and lease loss provision to assets | 0.5641% | 456 |
| Net operating income to assets | 0.9111% | 2,773 |
| Return on assets (ROA) | 0.9286% | 2,804 |
| Pretax return on assets | 1.3763% | 2,011 |
| Return on Equity (ROE) | 6.3699% | 3,996 |
| Retained earnings to average equity (ytd only) | 3.9762% | 3,864 |
| Net charge-offs to loans | 0.6631% | 915 |
| Credit loss provision to net charge-offs | 116.0062% | 2,031 |
| Earnings coverage of net charge-offs (x) | 3.9369% | 3,580 |
| Efficiency ratio | 57.0276% | 5,798 |
| Assets per employee ($millions) | 5.0545% | 2,101 |
| Cash dividends to net income (ytd only)* | 37.5780% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 3,831 |
| Loan loss allowance to noncurrent loans | 107.1398% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 3.2003% | 1,123 |
| Noncurrent loans to loans | 1.3206% | 3,208 |
| Net loans and leases to total assets | 73.2855% | 1,400 |
| Net loans and leases to deposits | 94.8707% | 767 |
| Net loans and leases to core deposits | 105.6674% | 778 |
| Total domestic deposits to total assets | 77.2478% | 6,012 |
| Equity capital to assets | 14.8808% | 734 |
| Core capital (leverage) ratio | 14.3141% | 782 |
| Tier 1 risk-based capital ratio | 19.0350% | 1,984 |
| Total risk-based capital ratio | 20.2846% | 1,944 |
| Memoranda: | ||
| Average total assets | $712,629,500 | 935 |
| Average earning assets | $634,811,250 | 959 |
| Average equity | $103,881,250 | 691 |
| Average total loans | $522,621,500 | 820 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5191% | 361 |
| Cost of funding earning assets | 0.7626% | 1,634 |
| Net interest margin | 4.7565% | 462 |
| Noninterest income to average assets | 0.2036% | 5,990 |
| Noninterest expense to average assets | 2.6678% | 4,150 |
| Loan and lease loss provision to assets | 0.5090% | 530 |
| Net operating income to assets | 0.8552% | 3,018 |
| Return on assets (ROA) | 0.8817% | 3,041 |
| Pretax return on assets | 1.3059% | 2,280 |
| Return on Equity (ROE) | 6.0904% | 4,120 |
| Retained earnings to average equity (ytd only) | 4.0596% | 3,715 |
| Net charge-offs to loans | 0.5987% | 1,105 |
| Credit loss provision to net charge-offs | 116.4638% | 1,905 |
| Earnings coverage of net charge-offs (x) | 4.0634% | 3,223 |
| Efficiency ratio | 58.4840% | 5,670 |
| Assets per employee ($millions) | 4.9059% | 2,217 |
| Cash dividends to net income (ytd only)* | 33.3439% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 4,075 |
| Loan loss allowance to noncurrent loans | 89.3461% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 3.2729% | 1,207 |
| Noncurrent loans to loans | 1.5576% | 2,972 |
| Net loans and leases to total assets | 73.1818% | 1,375 |
| Net loans and leases to deposits | 94.6041% | 768 |
| Net loans and leases to core deposits | 104.4959% | 814 |
| Total domestic deposits to total assets | 77.3559% | 6,079 |
| Equity capital to assets | 14.7667% | 768 |
| Core capital (leverage) ratio | 13.8354% | 868 |
| Tier 1 risk-based capital ratio | 18.7337% | 2,070 |
| Total risk-based capital ratio | 19.9828% | 2,038 |
| Memoranda: | ||
| Average total assets | $714,296,670 | 935 |
| Average earning assets | $636,771,330 | 962 |
| Average equity | $103,408,000 | 696 |
| Average total loans | $521,484,670 | 808 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6273% | 304 |
| Cost of funding earning assets | 0.7815% | 1,635 |
| Net interest margin | 4.8459% | 373 |
| Noninterest income to average assets | 0.1899% | 6,112 |
| Noninterest expense to average assets | 2.6978% | 4,069 |
| Loan and lease loss provision to assets | 0.6087% | 416 |
| Net operating income to assets | 0.8169% | 3,066 |
| Return on assets (ROA) | 0.8688% | 2,956 |
| Pretax return on assets | 1.2882% | 2,266 |
| Return on Equity (ROE) | 6.0610% | 4,007 |
| Retained earnings to average equity (ytd only) | 4.5069% | 3,529 |
| Net charge-offs to loans | 0.7030% | 870 |
| Credit loss provision to net charge-offs | 119.5842% | 1,605 |
| Earnings coverage of net charge-offs (x) | 3.5744% | 2,735 |
| Efficiency ratio | 58.2049% | 5,823 |
| Assets per employee ($millions) | 5.1783% | 2,004 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 4,161 |
| Loan loss allowance to noncurrent loans | 61.5450% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 3.5877% | 1,172 |
| Noncurrent loans to loans | 2.2995% | 2,276 |
| Net loans and leases to total assets | 70.3605% | 1,604 |
| Net loans and leases to deposits | 89.7394% | 994 |
| Net loans and leases to core deposits | 98.3918% | 1,052 |
| Total domestic deposits to total assets | 78.4053% | 6,059 |
| Equity capital to assets | 14.4856% | 882 |
| Core capital (leverage) ratio | 13.9399% | 812 |
| Tier 1 risk-based capital ratio | 19.0772% | 2,023 |
| Total risk-based capital ratio | 20.3267% | 2,003 |
| Memoranda: | ||
| Average total assets | $718,223,500 | 939 |
| Average earning assets | $641,371,000 | 953 |
| Average equity | $102,953,000 | 710 |
| Average total loans | $520,085,000 | 808 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3141% | 165 |
| Cost of funding earning assets | 0.9797% | 1,471 |
| Net interest margin | 5.3344% | 221 |
| Noninterest income to average assets | 0.5063% | 3,855 |
| Noninterest expense to average assets | 2.7724% | 4,135 |
| Loan and lease loss provision to assets | 0.9210% | 481 |
| Net operating income to assets | 1.0379% | 2,175 |
| Return on assets (ROA) | 0.9931% | 2,591 |
| Pretax return on assets | 1.4646% | 1,802 |
| Return on Equity (ROE) | 6.7325% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.7325% | 1,702 |
| Net charge-offs to loans | 1.0441% | 1,031 |
| Credit loss provision to net charge-offs | 114.2146% | 2,545 |
| Earnings coverage of net charge-offs (x) | 3.0402% | 3,912 |
| Efficiency ratio | 50.5307% | 6,554 |
| Assets per employee ($millions) | 5.3869% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 4,481 |
| Loan loss allowance to noncurrent loans | 63.1062% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 3.4679% | 1,311 |
| Noncurrent loans to loans | 2.1120% | 2,567 |
| Net loans and leases to total assets | 72.4655% | 1,425 |
| Net loans and leases to deposits | 94.7920% | 698 |
| Net loans and leases to core deposits | 103.0525% | 834 |
| Total domestic deposits to total assets | 76.4469% | 6,296 |
| Equity capital to assets | 14.1847% | 977 |
| Core capital (leverage) ratio | 13.5865% | 917 |
| Tier 1 risk-based capital ratio | 18.1849% | 2,197 |
| Total risk-based capital ratio | 19.4335% | 2,158 |
| Memoranda: | ||
| Average total assets | $672,661,400 | 974 |
| Average earning assets | $594,875,800 | 1,015 |
| Average equity | $99,220,600 | 716 |
| Average total loans | $519,502,800 | 796 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4164% | 154 |
| Cost of funding earning assets | 1.0141% | 1,478 |
| Net interest margin | 5.4023% | 204 |
| Noninterest income to average assets | 0.6560% | 2,964 |
| Noninterest expense to average assets | 2.8125% | 3,944 |
| Loan and lease loss provision to assets | 0.9298% | 466 |
| Net operating income to assets | 1.1403% | 1,952 |
| Return on assets (ROA) | 1.0796% | 2,370 |
| Pretax return on assets | 1.5902% | 1,607 |
| Return on Equity (ROE) | 7.2430% | 3,671 |
| Retained earnings to average equity (ytd only) | 7.2430% | 1,983 |
| Net charge-offs to loans | 1.0290% | 1,026 |
| Credit loss provision to net charge-offs | 115.4425% | 2,520 |
| Earnings coverage of net charge-offs (x) | 3.2397% | 3,733 |
| Efficiency ratio | 49.2906% | 6,641 |
| Assets per employee ($millions) | 5.1303% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 4,883 |
| Loan loss allowance to noncurrent loans | 65.9006% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 3.3813% | 1,496 |
| Noncurrent loans to loans | 1.9501% | 2,899 |
| Net loans and leases to total assets | 74.9817% | 1,115 |
| Net loans and leases to deposits | 98.2445% | 530 |
| Net loans and leases to core deposits | 105.7950% | 752 |
| Total domestic deposits to total assets | 76.3216% | 6,340 |
| Equity capital to assets | 14.2736% | 1,051 |
| Core capital (leverage) ratio | 13.6550% | 959 |
| Tier 1 risk-based capital ratio | 17.6956% | 2,462 |
| Total risk-based capital ratio | 18.9434% | 2,432 |
| Memoranda: | ||
| Average total assets | $660,366,750 | 1,003 |
| Average earning assets | $582,551,500 | 1,043 |
| Average equity | $98,428,000 | 724 |
| Average total loans | $516,840,750 | 807 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5036% | 145 |
| Cost of funding earning assets | 1.0450% | 1,499 |
| Net interest margin | 5.4587% | 185 |
| Noninterest income to average assets | 0.8664% | 1,904 |
| Noninterest expense to average assets | 2.8540% | 3,809 |
| Loan and lease loss provision to assets | 0.8611% | 561 |
| Net operating income to assets | 1.3279% | 1,368 |
| Return on assets (ROA) | 1.2751% | 1,669 |
| Pretax return on assets | 1.8753% | 895 |
| Return on Equity (ROE) | 8.4242% | 3,059 |
| Retained earnings to average equity (ytd only) | 8.4242% | 1,473 |
| Net charge-offs to loans | 0.9473% | 1,166 |
| Credit loss provision to net charge-offs | 114.9068% | 2,383 |
| Earnings coverage of net charge-offs (x) | 3.7549% | 3,279 |
| Efficiency ratio | 47.8456% | 6,785 |
| Assets per employee ($millions) | 5.1950% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 5,284 |
| Loan loss allowance to noncurrent loans | 73.4629% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 3.1638% | 1,722 |
| Noncurrent loans to loans | 1.6572% | 3,414 |
| Net loans and leases to total assets | 75.8717% | 980 |
| Net loans and leases to deposits | 98.6108% | 493 |
| Net loans and leases to core deposits | 105.7533% | 758 |
| Total domestic deposits to total assets | 76.9405% | 6,330 |
| Equity capital to assets | 14.0188% | 1,089 |
| Core capital (leverage) ratio | 13.5726% | 954 |
| Tier 1 risk-based capital ratio | 17.0762% | 2,635 |
| Total risk-based capital ratio | 18.3169% | 2,599 |
| Memoranda: | ||
| Average total assets | $644,494,670 | 1,026 |
| Average earning assets | $566,914,330 | 1,072 |
| Average equity | $97,552,330 | 731 |
| Average total loans | $509,864,670 | 818 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8053% | 112 |
| Cost of funding earning assets | 1.0755% | 1,517 |
| Net interest margin | 5.7298% | 134 |
| Noninterest income to average assets | 0.5723% | 3,404 |
| Noninterest expense to average assets | 2.7979% | 4,038 |
| Loan and lease loss provision to assets | 0.9494% | 448 |
| Net operating income to assets | 1.2240% | 1,671 |
| Return on assets (ROA) | 1.2231% | 1,858 |
| Pretax return on assets | 1.8262% | 1,022 |
| Return on Equity (ROE) | 7.7477% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.7477% | 2,073 |
| Net charge-offs to loans | 0.6861% | 1,448 |
| Credit loss provision to net charge-offs | 172.0047% | 1,487 |
| Earnings coverage of net charge-offs (x) | 5.0308% | 2,455 |
| Efficiency ratio | 47.4865% | 6,838 |
| Assets per employee ($millions) | 5.4518% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,585 |
| Loan loss allowance to noncurrent loans | 84.6041% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 3.4569% | 1,664 |
| Noncurrent loans to loans | 1.6609% | 3,609 |
| Net loans and leases to total assets | 79.3112% | 469 |
| Net loans and leases to deposits | 106.0801% | 205 |
| Net loans and leases to core deposits | 116.6533% | 368 |
| Total domestic deposits to total assets | 74.7654% | 6,677 |
| Equity capital to assets | 15.9469% | 585 |
| Core capital (leverage) ratio | 14.8268% | 629 |
| Tier 1 risk-based capital ratio | 18.8028% | 2,048 |
| Total risk-based capital ratio | 20.0513% | 2,017 |
| Memoranda: | ||
| Average total assets | $610,884,500 | 1,089 |
| Average earning assets | $533,348,000 | 1,148 |
| Average equity | $96,441,500 | 737 |
| Average total loans | $491,474,500 | 841 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3967% | 215 |
| Cost of funding earning assets | 1.1650% | 2,251 |
| Net interest margin | 5.2317% | 268 |
| Noninterest income to average assets | 0.4125% | 4,514 |
| Noninterest expense to average assets | 2.4630% | 5,589 |
| Loan and lease loss provision to assets | 1.4160% | 545 |
| Net operating income to assets | 0.7870% | 3,099 |
| Return on assets (ROA) | 0.7475% | 3,438 |
| Pretax return on assets | 1.0368% | 3,094 |
| Return on Equity (ROE) | 4.6129% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.6129% | 2,897 |
| Net charge-offs to loans | 1.6460% | 950 |
| Credit loss provision to net charge-offs | 108.9277% | 3,088 |
| Earnings coverage of net charge-offs (x) | 1.9291% | 4,328 |
| Efficiency ratio | 46.4676% | 7,024 |
| Assets per employee ($millions) | 5.4568% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 5,017 |
| Loan loss allowance to noncurrent loans | 78.2085% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 3.6496% | 1,610 |
| Noncurrent loans to loans | 1.6367% | 3,710 |
| Net loans and leases to total assets | 79.4343% | 550 |
| Net loans and leases to deposits | 104.4670% | 299 |
| Net loans and leases to core deposits | 115.7572% | 451 |
| Total domestic deposits to total assets | 76.0377% | 6,478 |
| Equity capital to assets | 15.6276% | 646 |
| Core capital (leverage) ratio | 14.3104% | 755 |
| Tier 1 risk-based capital ratio | 18.6181% | 2,016 |
| Total risk-based capital ratio | 19.8652% | 1,980 |
| Memoranda: | ||
| Average total assets | $599,707,600 | 1,097 |
| Average earning assets | $522,507,000 | 1,140 |
| Average equity | $97,184,200 | 706 |
| Average total loans | $473,625,800 | 882 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1209% | 382 |
| Cost of funding earning assets | 1.1800% | 2,448 |
| Net interest margin | 4.9409% | 465 |
| Noninterest income to average assets | 0.4101% | 4,589 |
| Noninterest expense to average assets | 2.3755% | 5,830 |
| Loan and lease loss provision to assets | 1.1482% | 697 |
| Net operating income to assets | 0.8662% | 2,878 |
| Return on assets (ROA) | 0.8478% | 3,102 |
| Pretax return on assets | 1.1648% | 2,767 |
| Return on Equity (ROE) | 5.1841% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.1841% | 3,071 |
| Net charge-offs to loans | 1.3222% | 1,158 |
| Credit loss provision to net charge-offs | 110.4901% | 2,985 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 4,003 |
| Efficiency ratio | 47.1257% | 7,012 |
| Assets per employee ($millions) | 5.6558% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 5,116 |
| Loan loss allowance to noncurrent loans | 84.8599% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 3.3495% | 1,901 |
| Noncurrent loans to loans | 1.5041% | 4,032 |
| Net loans and leases to total assets | 77.7970% | 727 |
| Net loans and leases to deposits | 114.3894% | 126 |
| Net loans and leases to core deposits | 131.1698% | 236 |
| Total domestic deposits to total assets | 68.0107% | 7,141 |
| Equity capital to assets | 16.4502% | 557 |
| Core capital (leverage) ratio | 15.3061% | 607 |
| Tier 1 risk-based capital ratio | 19.8638% | 1,718 |
| Total risk-based capital ratio | 21.1095% | 1,691 |
| Memoranda: | ||
| Average total assets | $596,843,750 | 1,111 |
| Average earning assets | $519,869,750 | 1,163 |
| Average equity | $97,602,750 | 706 |
| Average total loans | $469,090,250 | 905 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9689% | 506 |
| Cost of funding earning assets | 1.2002% | 2,583 |
| Net interest margin | 4.7687% | 634 |
| Noninterest income to average assets | 0.4804% | 4,026 |
| Noninterest expense to average assets | 2.3183% | 6,075 |
| Loan and lease loss provision to assets | 1.2086% | 641 |
| Net operating income to assets | 0.8498% | 2,859 |
| Return on assets (ROA) | 0.8319% | 3,053 |
| Pretax return on assets | 1.0915% | 2,884 |
| Return on Equity (ROE) | 5.0973% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.0973% | 2,944 |
| Net charge-offs to loans | 1.3402% | 1,140 |
| Credit loss provision to net charge-offs | 114.8433% | 2,669 |
| Earnings coverage of net charge-offs (x) | 2.2079% | 3,731 |
| Efficiency ratio | 46.6057% | 7,129 |
| Assets per employee ($millions) | 5.6715% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 5,191 |
| Loan loss allowance to noncurrent loans | 56.2013% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 3.3935% | 1,945 |
| Noncurrent loans to loans | 2.2617% | 3,149 |
| Net loans and leases to total assets | 78.3337% | 732 |
| Net loans and leases to deposits | 107.6044% | 223 |
| Net loans and leases to core deposits | 127.2971% | 298 |
| Total domestic deposits to total assets | 72.7979% | 6,944 |
| Equity capital to assets | 16.3531% | 566 |
| Core capital (leverage) ratio | 15.4741% | 590 |
| Tier 1 risk-based capital ratio | 19.6608% | 1,678 |
| Total risk-based capital ratio | 20.9064% | 1,652 |
| Memoranda: | ||
| Average total assets | $594,068,000 | 1,121 |
| Average earning assets | $518,419,000 | 1,175 |
| Average equity | $96,953,000 | 704 |
| Average total loans | $466,489,670 | 926 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9911% | 481 |
| Cost of funding earning assets | 1.2364% | 2,589 |
| Net interest margin | 4.7547% | 627 |
| Noninterest income to average assets | 0.2303% | 6,075 |
| Noninterest expense to average assets | 2.3193% | 6,141 |
| Loan and lease loss provision to assets | 0.9077% | 882 |
| Net operating income to assets | 0.7863% | 3,098 |
| Return on assets (ROA) | 0.7715% | 3,233 |
| Pretax return on assets | 1.1366% | 2,616 |
| Return on Equity (ROE) | 4.7323% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.7323% | 3,360 |
| Net charge-offs to loans | 1.0710% | 1,283 |
| Credit loss provision to net charge-offs | 108.5020% | 2,458 |
| Earnings coverage of net charge-offs (x) | 2.4696% | 3,096 |
| Efficiency ratio | 49.3358% | 7,041 |
| Assets per employee ($millions) | 5.5168% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 5,470 |
| Loan loss allowance to noncurrent loans | 63.6820% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.8570% | 2,412 |
| Noncurrent loans to loans | 1.9344% | 3,657 |
| Net loans and leases to total assets | 77.4764% | 806 |
| Net loans and leases to deposits | 104.7259% | 292 |
| Net loans and leases to core deposits | 123.8195% | 347 |
| Total domestic deposits to total assets | 73.9802% | 6,904 |
| Equity capital to assets | 16.4138% | 512 |
| Core capital (leverage) ratio | 15.4336% | 588 |
| Tier 1 risk-based capital ratio | 20.0037% | 1,589 |
| Total risk-based capital ratio | 21.2496% | 1,554 |
| Memoranda: | ||
| Average total assets | $590,513,500 | 1,133 |
| Average earning assets | $516,033,000 | 1,191 |
| Average equity | $96,274,000 | 700 |
| Average total loans | $461,241,000 | 952 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2031% | 557 |
| Cost of funding earning assets | 1.5919% | 2,118 |
| Net interest margin | 4.6112% | 991 |
| Noninterest income to average assets | 0.2498% | 6,014 |
| Noninterest expense to average assets | 2.3653% | 6,178 |
| Loan and lease loss provision to assets | 1.4821% | 1,005 |
| Net operating income to assets | 0.3247% | 4,853 |
| Return on assets (ROA) | 0.3074% | 5,082 |
| Pretax return on assets | 0.4281% | 4,857 |
| Return on Equity (ROE) | 1.9622% | 5,392 |
| Retained earnings to average equity (ytd only) | 1.9622% | 4,494 |
| Net charge-offs to loans | 1.8693% | 1,108 |
| Credit loss provision to net charge-offs | 104.9663% | 4,275 |
| Earnings coverage of net charge-offs (x) | 1.3699% | 4,740 |
| Efficiency ratio | 51.4113% | 7,030 |
| Assets per employee ($millions) | 5.5208% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 5,421 |
| Loan loss allowance to noncurrent loans | 47.1813% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 2.7837% | 2,511 |
| Noncurrent loans to loans | 2.5829% | 2,950 |
| Net loans and leases to total assets | 76.8266% | 1,123 |
| Net loans and leases to deposits | 104.4420% | 382 |
| Net loans and leases to core deposits | 121.1676% | 500 |
| Total domestic deposits to total assets | 73.5592% | 6,940 |
| Equity capital to assets | 16.1932% | 552 |
| Core capital (leverage) ratio | 14.6419% | 722 |
| Tier 1 risk-based capital ratio | 19.7400% | 1,541 |
| Total risk-based capital ratio | 20.9855% | 1,515 |
| Memoranda: | ||
| Average total assets | $608,922,000 | 1,094 |
| Average earning assets | $534,785,000 | 1,141 |
| Average equity | $95,402,800 | 705 |
| Average total loans | $459,953,200 | 980 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2337% | 580 |
| Cost of funding earning assets | 1.5874% | 2,459 |
| Net interest margin | 4.6463% | 952 |
| Noninterest income to average assets | 0.2217% | 6,322 |
| Noninterest expense to average assets | 2.4587% | 5,859 |
| Loan and lease loss provision to assets | 0.8204% | 1,846 |
| Net operating income to assets | 0.7002% | 3,412 |
| Return on assets (ROA) | 0.7009% | 3,565 |
| Pretax return on assets | 1.0269% | 3,084 |
| Return on Equity (ROE) | 4.5101% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.5101% | 3,339 |
| Net charge-offs to loans | 0.9917% | 2,017 |
| Credit loss provision to net charge-offs | 110.3156% | 3,836 |
| Earnings coverage of net charge-offs (x) | 2.4825% | 3,924 |
| Efficiency ratio | 53.5390% | 6,826 |
| Assets per employee ($millions) | 5.8362% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 5,527 |
| Loan loss allowance to noncurrent loans | 68.2351% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.9582% | 3,528 |
| Noncurrent loans to loans | 1.7487% | 4,017 |
| Net loans and leases to total assets | 73.9550% | 1,816 |
| Net loans and leases to deposits | 99.6895% | 680 |
| Net loans and leases to core deposits | 120.2347% | 600 |
| Total domestic deposits to total assets | 74.1854% | 6,901 |
| Equity capital to assets | 15.6728% | 736 |
| Core capital (leverage) ratio | 14.5826% | 801 |
| Tier 1 risk-based capital ratio | 20.0562% | 1,537 |
| Total risk-based capital ratio | 21.2988% | 1,506 |
| Memoranda: | ||
| Average total assets | $613,470,000 | 1,096 |
| Average earning assets | $539,139,750 | 1,142 |
| Average equity | $95,339,000 | 704 |
| Average total loans | $460,082,250 | 987 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3068% | 506 |
| Cost of funding earning assets | 1.5812% | 2,763 |
| Net interest margin | 4.7257% | 779 |
| Noninterest income to average assets | 0.3547% | 5,307 |
| Noninterest expense to average assets | 2.5994% | 5,324 |
| Loan and lease loss provision to assets | 0.8991% | 1,624 |
| Net operating income to assets | 0.6894% | 3,448 |
| Return on assets (ROA) | 0.6872% | 3,607 |
| Pretax return on assets | 1.0056% | 3,093 |
| Return on Equity (ROE) | 4.4346% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.4346% | 3,251 |
| Net charge-offs to loans | 1.0799% | 1,744 |
| Credit loss provision to net charge-offs | 110.9318% | 3,661 |
| Earnings coverage of net charge-offs (x) | 2.3542% | 3,821 |
| Efficiency ratio | 54.2468% | 6,854 |
| Assets per employee ($millions) | 5.7294% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 5,578 |
| Loan loss allowance to noncurrent loans | 86.8934% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.8785% | 3,648 |
| Noncurrent loans to loans | 1.3518% | 4,687 |
| Net loans and leases to total assets | 74.7009% | 1,766 |
| Net loans and leases to deposits | 99.6635% | 752 |
| Net loans and leases to core deposits | 121.2157% | 658 |
| Total domestic deposits to total assets | 74.9531% | 6,862 |
| Equity capital to assets | 15.6451% | 733 |
| Core capital (leverage) ratio | 14.4260% | 831 |
| Tier 1 risk-based capital ratio | 19.9678% | 1,524 |
| Total risk-based capital ratio | 21.2132% | 1,485 |
| Memoranda: | ||
| Average total assets | $611,748,670 | 1,102 |
| Average earning assets | $537,576,000 | 1,147 |
| Average equity | $94,799,670 | 699 |
| Average total loans | $459,097,670 | 997 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2387% | 590 |
| Cost of funding earning assets | 1.5844% | 3,049 |
| Net interest margin | 4.6543% | 862 |
| Noninterest income to average assets | 0.3580% | 5,276 |
| Noninterest expense to average assets | 2.5862% | 5,410 |
| Loan and lease loss provision to assets | 0.8509% | 1,493 |
| Net operating income to assets | 0.6963% | 3,456 |
| Return on assets (ROA) | 0.6932% | 3,584 |
| Pretax return on assets | 1.0139% | 3,040 |
| Return on Equity (ROE) | 4.4947% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.4947% | 3,464 |
| Net charge-offs to loans | 0.9200% | 1,745 |
| Credit loss provision to net charge-offs | 123.6917% | 2,832 |
| Earnings coverage of net charge-offs (x) | 2.7174% | 3,184 |
| Efficiency ratio | 54.5762% | 6,921 |
| Assets per employee ($millions) | 5.9378% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 5,497 |
| Loan loss allowance to noncurrent loans | 61.2612% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.9804% | 3,524 |
| Noncurrent loans to loans | 1.9594% | 3,847 |
| Net loans and leases to total assets | 72.9557% | 2,215 |
| Net loans and leases to deposits | 98.4778% | 865 |
| Net loans and leases to core deposits | 131.2575% | 456 |
| Total domestic deposits to total assets | 74.0834% | 7,037 |
| Equity capital to assets | 15.5019% | 764 |
| Core capital (leverage) ratio | 14.1348% | 927 |
| Tier 1 risk-based capital ratio | 20.1302% | 1,498 |
| Total risk-based capital ratio | 21.3678% | 1,471 |
| Memoranda: | ||
| Average total assets | $611,098,500 | 1,125 |
| Average earning assets | $537,993,000 | 1,174 |
| Average equity | $94,243,500 | 704 |
| Average total loans | $456,948,500 | 1,029 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5618% | 3,801 |
| Cost of funding earning assets | 1.9193% | 3,358 |
| Net interest margin | 3.6425% | 4,381 |
| Noninterest income to average assets | 2.7308% | 247 |
| Noninterest expense to average assets | 2.3218% | 6,688 |
| Loan and lease loss provision to assets | 1.3822% | 1,658 |
| Net operating income to assets | 1.6115% | 534 |
| Return on assets (ROA) | 0.5093% | 3,784 |
| Pretax return on assets | 0.7152% | 3,522 |
| Return on Equity (ROE) | 3.3848% | 4,343 |
| Retained earnings to average equity (ytd only) | 3.3848% | 2,798 |
| Net charge-offs to loans | 1.5906% | 1,585 |
| Credit loss provision to net charge-offs | 117.0845% | 4,632 |
| Earnings coverage of net charge-offs (x) | 3.0917% | 3,519 |
| Efficiency ratio | 36.2919% | 7,899 |
| Assets per employee ($millions) | 5.9282% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,818 |
| Loan loss allowance to noncurrent loans | 47.8225% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 2.3503% | 2,950 |
| Noncurrent loans to loans | 2.3395% | 3,246 |
| Net loans and leases to total assets | 74.8623% | 2,061 |
| Net loans and leases to deposits | 99.4998% | 947 |
| Net loans and leases to core deposits | 127.5223% | 1,416 |
| Total domestic deposits to total assets | 75.2386% | 6,823 |
| Equity capital to assets | 15.3419% | 836 |
| Core capital (leverage) ratio | 16.6830% | 529 |
| Tier 1 risk-based capital ratio | 16.6341% | 2,263 |
| Total risk-based capital ratio | 17.6612% | 2,302 |
| Memoranda: | ||
| Average total assets | $473,004,800 | 1,473 |
| Average earning assets | $420,833,400 | 1,505 |
| Average equity | $71,170,200 | 919 |
| Average total loans | $351,059,400 | 1,372 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7142% | 3,270 |
| Cost of funding earning assets | 2.1423% | 2,702 |
| Net interest margin | 3.5720% | 4,585 |
| Noninterest income to average assets | 0.5183% | 4,333 |
| Noninterest expense to average assets | 2.2668% | 6,795 |
| Loan and lease loss provision to assets | 0.6697% | 2,731 |
| Net operating income to assets | 0.6311% | 3,492 |
| Return on assets (ROA) | 0.2061% | 5,219 |
| Pretax return on assets | 0.2511% | 5,186 |
| Return on Equity (ROE) | 1.3792% | 5,377 |
| Retained earnings to average equity (ytd only) | 1.3792% | 4,549 |
| Net charge-offs to loans | 0.6393% | 2,764 |
| Credit loss provision to net charge-offs | 142.1290% | 3,449 |
| Earnings coverage of net charge-offs (x) | 3.0542% | 3,704 |
| Efficiency ratio | 56.6976% | 6,907 |
| Assets per employee ($millions) | 6.8946% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 3,902 |
| Loan loss allowance to noncurrent loans | 138.6170% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 1.5712% | 4,001 |
| Noncurrent loans to loans | 1.0149% | 5,277 |
| Net loans and leases to total assets | 73.8981% | 2,555 |
| Net loans and leases to deposits | 99.4453% | 1,162 |
| Net loans and leases to core deposits | 143.3302% | 784 |
| Total domestic deposits to total assets | 74.3102% | 6,895 |
| Equity capital to assets | 13.8316% | 1,362 |
| Core capital (leverage) ratio | 13.3422% | 1,285 |
| Tier 1 risk-based capital ratio | 14.2618% | 3,406 |
| Total risk-based capital ratio | 15.4777% | 3,371 |
| Memoranda: | ||
| Average total assets | $438,604,000 | 1,588 |
| Average earning assets | $391,409,750 | 1,633 |
| Average equity | $65,543,000 | 1,023 |
| Average total loans | $323,252,500 | 1,509 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7209% | 3,431 |
| Cost of funding earning assets | 2.3207% | 2,272 |
| Net interest margin | 3.4002% | 5,170 |
| Noninterest income to average assets | 0.3398% | 5,797 |
| Noninterest expense to average assets | 2.2584% | 6,894 |
| Loan and lease loss provision to assets | 0.4758% | 3,143 |
| Net operating income to assets | 0.4996% | 4,092 |
| Return on assets (ROA) | 0.2679% | 5,118 |
| Pretax return on assets | 0.3426% | 5,088 |
| Return on Equity (ROE) | 1.7460% | 5,391 |
| Retained earnings to average equity (ytd only) | 1.7460% | 4,371 |
| Net charge-offs to loans | 0.4259% | 3,099 |
| Credit loss provision to net charge-offs | 152.5298% | 3,013 |
| Earnings coverage of net charge-offs (x) | 3.5759% | 3,386 |
| Efficiency ratio | 61.9428% | 6,253 |
| Assets per employee ($millions) | 6.7600% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 3,717 |
| Loan loss allowance to noncurrent loans | 152.5701% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 4,017 |
| Noncurrent loans to loans | 0.9184% | 5,380 |
| Net loans and leases to total assets | 74.3451% | 2,609 |
| Net loans and leases to deposits | 101.3642% | 1,131 |
| Net loans and leases to core deposits | 149.3266% | 674 |
| Total domestic deposits to total assets | 73.3445% | 7,059 |
| Equity capital to assets | 15.0496% | 1,016 |
| Core capital (leverage) ratio | 13.4604% | 1,285 |
| Tier 1 risk-based capital ratio | 14.0104% | 3,515 |
| Total risk-based capital ratio | 15.1330% | 3,523 |
| Memoranda: | ||
| Average total assets | $430,827,000 | 1,639 |
| Average earning assets | $384,449,000 | 1,685 |
| Average equity | $66,093,000 | 1,021 |
| Average total loans | $315,592,670 | 1,574 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6501% | 4,047 |
| Cost of funding earning assets | 2.4783% | 1,999 |
| Net interest margin | 3.1718% | 5,948 |
| Noninterest income to average assets | 0.3452% | 5,689 |
| Noninterest expense to average assets | 2.2441% | 6,713 |
| Loan and lease loss provision to assets | 0.4466% | 2,690 |
| Net operating income to assets | 0.3530% | 5,056 |
| Return on assets (ROA) | 0.5024% | 4,597 |
| Pretax return on assets | 0.6959% | 4,446 |
| Return on Equity (ROE) | 3.2440% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.2440% | 4,071 |
| Net charge-offs to loans | 0.3068% | 2,882 |
| Credit loss provision to net charge-offs | 201.6807% | 2,200 |
| Earnings coverage of net charge-offs (x) | 4.2227% | 2,942 |
| Efficiency ratio | 65.2619% | 5,457 |
| Assets per employee ($millions) | 6.4841% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 3,492 |
| Loan loss allowance to noncurrent loans | 240.4313% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 1.2457% | 4,191 |
| Noncurrent loans to loans | 0.5828% | 5,939 |
| Net loans and leases to total assets | 73.3339% | 2,930 |
| Net loans and leases to deposits | 102.7509% | 1,115 |
| Net loans and leases to core deposits | 163.8190% | 438 |
| Total domestic deposits to total assets | 71.3706% | 7,294 |
| Equity capital to assets | 15.6167% | 945 |
| Core capital (leverage) ratio | 13.5081% | 1,320 |
| Tier 1 risk-based capital ratio | 14.3075% | 3,427 |
| Total risk-based capital ratio | 15.4314% | 3,419 |
| Memoranda: | ||
| Average total assets | $429,919,500 | 1,654 |
| Average earning assets | $384,136,000 | 1,696 |
| Average equity | $66,584,000 | 1,013 |
| Average total loans | $310,279,500 | 1,610 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6198% | 2,387 |
| Cost of funding earning assets | 3.2510% | 1,042 |
| Net interest margin | 3.3688% | 5,788 |
| Noninterest income to average assets | 0.2746% | 6,495 |
| Noninterest expense to average assets | 2.1737% | 7,040 |
| Loan and lease loss provision to assets | 0.3998% | 3,289 |
| Net operating income to assets | 0.5455% | 4,549 |
| Return on assets (ROA) | 0.3071% | 5,334 |
| Pretax return on assets | 0.3913% | 5,282 |
| Return on Equity (ROE) | 1.9198% | 5,643 |
| Retained earnings to average equity (ytd only) | 1.9198% | 4,038 |
| Net charge-offs to loans | 0.3205% | 3,258 |
| Credit loss provision to net charge-offs | 181.0929% | 2,775 |
| Earnings coverage of net charge-offs (x) | 4.9683% | 3,798 |
| Efficiency ratio | 61.1021% | 6,140 |
| Assets per employee ($millions) | 6.6444% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 3,223 |
| Loan loss allowance to noncurrent loans | 308.3333% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 4,051 |
| Noncurrent loans to loans | 0.4526% | 5,988 |
| Net loans and leases to total assets | 69.0105% | 4,254 |
| Net loans and leases to deposits | 95.5221% | 2,521 |
| Net loans and leases to core deposits | 121.0391% | 2,598 |
| Total domestic deposits to total assets | 72.2456% | 6,956 |
| Equity capital to assets | 15.3595% | 1,071 |
| Core capital (leverage) ratio | 13.1407% | 1,505 |
| Tier 1 risk-based capital ratio | 16.7305% | 2,408 |
| Total risk-based capital ratio | 17.9808% | 2,343 |
| Memoranda: | ||
| Average total assets | $414,494,200 | 1,643 |
| Average earning assets | $368,619,400 | 1,689 |
| Average equity | $66,309,400 | 1,006 |
| Average total loans | $285,482,600 | 1,695 |