Home > Savings Bank of Mendocino County > Performance and Condition Ratios
Savings Bank of Mendocino County, 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 | 4.5389% | 3,846 |
| Cost of funding earning assets | 1.2063% | 3,725 |
| Net interest margin | 3.3326% | 2,703 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.2809% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8250% | 2,775 |
| Return on assets (ROA) | 0.8204% | 2,792 |
| Pretax return on assets | 1.1012% | 2,503 |
| Return on Equity (ROE) | 6.8100% | 3,170 |
| Retained earnings to average equity (ytd only) | 3.2791% | 3,021 |
| Net charge-offs to loans | -0.0102% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 67.3304% | 2,113 |
| Assets per employee ($millions) | 7.6734% | 1,767 |
| Cash dividends to net income (ytd only)* | 51.8601% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4915% | 217 |
| Loan loss allowance to noncurrent loans | 12,806.8966% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 3,683 |
| Noncurrent loans to loans | 0.0195% | 3,629 |
| Net loans and leases to total assets | 55.3900% | 3,249 |
| Net loans and leases to deposits | 71.0618% | 2,794 |
| Net loans and leases to core deposits | 76.3763% | 2,933 |
| Total domestic deposits to total assets | 77.9400% | 3,825 |
| Equity capital to assets | 12.2100% | 1,159 |
| Core capital (leverage) ratio | 16.6198% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,310,511,000 | 823 |
| Average earning assets | $1,200,378,000 | 830 |
| Average equity | $157,848,000 | 711 |
| Average total loans | $743,168,500 | 979 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 3,898 |
| Cost of funding earning assets | 1.0663% | 3,967 |
| Net interest margin | 3.4057% | 2,278 |
| Noninterest income to average assets | 0.3500% | 2,750 |
| Noninterest expense to average assets | 2.3753% | 2,650 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.8290% | 2,610 |
| Return on assets (ROA) | 0.8297% | 2,610 |
| Pretax return on assets | 1.0983% | 2,252 |
| Return on Equity (ROE) | 6.9300% | 3,042 |
| Retained earnings to average equity (ytd only) | 3.3668% | 2,888 |
| Net charge-offs to loans | 0.0011% | 3,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 1,784.3750% | 65 |
| Efficiency ratio | 68.5198% | 2,178 |
| Assets per employee ($millions) | 7.5657% | 1,806 |
| Cash dividends to net income (ytd only)* | 51.3959% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5035% | 211 |
| Loan loss allowance to noncurrent loans | 5,655.7927% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,531 |
| Noncurrent loans to loans | 0.0443% | 3,432 |
| Net loans and leases to total assets | 55.2000% | 3,328 |
| Net loans and leases to deposits | 71.1763% | 2,865 |
| Net loans and leases to core deposits | 75.7027% | 3,067 |
| Total domestic deposits to total assets | 77.5500% | 3,828 |
| Equity capital to assets | 11.8791% | 1,224 |
| Core capital (leverage) ratio | 16.4716% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,308,114,600 | 818 |
| Average earning assets | $1,197,195,400 | 814 |
| Average equity | $156,678,800 | 692 |
| Average total loans | $721,232,200 | 986 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 3,927 |
| Cost of funding earning assets | 1.0426% | 4,000 |
| Net interest margin | 3.3828% | 2,267 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 2.2765% | 2,873 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 0.8705% | 2,476 |
| Return on assets (ROA) | 0.8699% | 2,487 |
| Pretax return on assets | 1.1624% | 2,083 |
| Return on Equity (ROE) | 7.2500% | 2,969 |
| Retained earnings to average equity (ytd only) | 3.6947% | 2,948 |
| Net charge-offs to loans | -0.0067% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 66.3419% | 2,442 |
| Assets per employee ($millions) | 7.5898% | 1,751 |
| Cash dividends to net income (ytd only)* | 49.0214% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5932% | 205 |
| Loan loss allowance to noncurrent loans | 1,493.5743% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 3,067 |
| Noncurrent loans to loans | 0.1736% | 2,857 |
| Net loans and leases to total assets | 53.2000% | 3,470 |
| Net loans and leases to deposits | 69.1564% | 3,050 |
| Net loans and leases to core deposits | 72.9155% | 3,245 |
| Total domestic deposits to total assets | 76.9200% | 3,847 |
| Equity capital to assets | 12.7572% | 1,033 |
| Core capital (leverage) ratio | 16.5048% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,307,926,250 | 811 |
| Average earning assets | $1,197,250,750 | 811 |
| Average equity | $156,978,000 | 681 |
| Average total loans | $716,289,000 | 987 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4011% | 3,918 |
| Cost of funding earning assets | 0.9994% | 4,016 |
| Net interest margin | 3.4017% | 2,173 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 2.2722% | 2,864 |
| Loan and lease loss provision to assets | -0.0100% | 4,151 |
| Net operating income to assets | 0.8868% | 2,351 |
| Return on assets (ROA) | 0.8842% | 2,358 |
| Pretax return on assets | 1.1807% | 1,981 |
| Return on Equity (ROE) | 7.5300% | 2,870 |
| Retained earnings to average equity (ytd only) | 3.8914% | 2,749 |
| Net charge-offs to loans | -0.0098% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 65.9761% | 2,547 |
| Assets per employee ($millions) | 7.5655% | 1,692 |
| Cash dividends to net income (ytd only)* | 48.2944% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5591% | 211 |
| Loan loss allowance to noncurrent loans | 951.0997% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 2,663 |
| Noncurrent loans to loans | 0.2691% | 2,406 |
| Net loans and leases to total assets | 53.7800% | 3,423 |
| Net loans and leases to deposits | 71.3085% | 2,888 |
| Net loans and leases to core deposits | 74.6274% | 3,121 |
| Total domestic deposits to total assets | 75.4200% | 3,950 |
| Equity capital to assets | 11.6164% | 1,301 |
| Core capital (leverage) ratio | 16.3171% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,306,222,000 | 813 |
| Average earning assets | $1,195,063,000 | 816 |
| Average equity | $153,468,333 | 693 |
| Average total loans | $716,028,667 | 987 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3597% | 3,891 |
| Cost of funding earning assets | 0.9248% | 4,071 |
| Net interest margin | 3.4349% | 2,020 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 2.2872% | 2,832 |
| Loan and lease loss provision to assets | -0.0200% | 4,249 |
| Net operating income to assets | 0.9135% | 2,199 |
| Return on assets (ROA) | 0.9161% | 2,204 |
| Pretax return on assets | 1.2214% | 1,842 |
| Return on Equity (ROE) | 7.7500% | 2,768 |
| Retained earnings to average equity (ytd only) | 4.1264% | 2,669 |
| Net charge-offs to loans | -0.0174% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 65.6896% | 2,624 |
| Assets per employee ($millions) | 7.2484% | 1,927 |
| Cash dividends to net income (ytd only)* | 46.7785% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5846% | 170 |
| Loan loss allowance to noncurrent loans | 1,735.7610% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 3,096 |
| Noncurrent loans to loans | 0.1489% | 2,870 |
| Net loans and leases to total assets | 53.7000% | 3,369 |
| Net loans and leases to deposits | 68.8649% | 2,984 |
| Net loans and leases to core deposits | 71.7609% | 3,236 |
| Total domestic deposits to total assets | 77.9800% | 3,800 |
| Equity capital to assets | 11.6146% | 1,253 |
| Core capital (leverage) ratio | 16.2607% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,301,132,500 | 822 |
| Average earning assets | $1,191,189,000 | 824 |
| Average equity | $153,743,500 | 697 |
| Average total loans | $710,753,500 | 993 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 3,736 |
| Cost of funding earning assets | 0.6036% | 4,068 |
| Net interest margin | 3.5387% | 2,093 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.2273% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0318% | 2,114 |
| Return on assets (ROA) | 1.0412% | 2,069 |
| Pretax return on assets | 1.3693% | 1,700 |
| Return on Equity (ROE) | 9.5300% | 2,631 |
| Retained earnings to average equity (ytd only) | 5.6463% | 2,369 |
| Net charge-offs to loans | -0.0122% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.1611% | 2,816 |
| Assets per employee ($millions) | 7.1688% | 1,960 |
| Cash dividends to net income (ytd only)* | 40.7570% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6428% | 166 |
| Loan loss allowance to noncurrent loans | 2,441.9737% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 3,187 |
| Noncurrent loans to loans | 0.1082% | 2,995 |
| Net loans and leases to total assets | 52.6900% | 3,440 |
| Net loans and leases to deposits | 64.9192% | 3,243 |
| Net loans and leases to core deposits | 67.6591% | 3,420 |
| Total domestic deposits to total assets | 81.1600% | 3,281 |
| Equity capital to assets | 12.0188% | 1,116 |
| Core capital (leverage) ratio | 16.1759% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,314,416,000 | 797 |
| Average earning assets | $1,203,989,600 | 794 |
| Average equity | $143,597,800 | 696 |
| Average total loans | $696,658,200 | 964 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 3,644 |
| Cost of funding earning assets | 0.5613% | 4,043 |
| Net interest margin | 3.5470% | 2,114 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.2215% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0518% | 2,212 |
| Return on assets (ROA) | 1.0584% | 2,180 |
| Pretax return on assets | 1.3860% | 1,807 |
| Return on Equity (ROE) | 9.9300% | 2,658 |
| Retained earnings to average equity (ytd only) | 5.9639% | 2,645 |
| Net charge-offs to loans | -0.0092% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.7492% | 2,751 |
| Assets per employee ($millions) | 7.0099% | 1,957 |
| Cash dividends to net income (ytd only)* | 39.9599% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6419% | 169 |
| Loan loss allowance to noncurrent loans | 1,791.2959% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 3,056 |
| Noncurrent loans to loans | 0.1475% | 2,816 |
| Net loans and leases to total assets | 52.9200% | 3,431 |
| Net loans and leases to deposits | 62.8827% | 3,340 |
| Net loans and leases to core deposits | 65.1888% | 3,471 |
| Total domestic deposits to total assets | 84.1600% | 2,729 |
| Equity capital to assets | 10.2173% | 1,695 |
| Core capital (leverage) ratio | 15.7811% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,318,630,500 | 795 |
| Average earning assets | $1,207,794,250 | 796 |
| Average equity | $140,509,500 | 702 |
| Average total loans | $695,259,250 | 964 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,626 |
| Cost of funding earning assets | 0.4894% | 4,003 |
| Net interest margin | 3.5389% | 2,179 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.2300% | 2,992 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0449% | 2,270 |
| Return on assets (ROA) | 1.0522% | 2,252 |
| Pretax return on assets | 1.3751% | 1,874 |
| Return on Equity (ROE) | 9.7400% | 2,780 |
| Retained earnings to average equity (ytd only) | 5.8556% | 2,675 |
| Net charge-offs to loans | -0.0020% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.0470% | 2,709 |
| Assets per employee ($millions) | 7.2540% | 1,743 |
| Cash dividends to net income (ytd only)* | 39.9113% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6218% | 188 |
| Loan loss allowance to noncurrent loans | 1,799.5131% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 3,002 |
| Noncurrent loans to loans | 0.1457% | 2,737 |
| Net loans and leases to total assets | 51.7100% | 3,430 |
| Net loans and leases to deposits | 62.8374% | 3,262 |
| Net loans and leases to core deposits | 64.6058% | 3,412 |
| Total domestic deposits to total assets | 82.2900% | 3,172 |
| Equity capital to assets | 10.8717% | 1,439 |
| Core capital (leverage) ratio | 15.6280% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,328,231,333 | 780 |
| Average earning assets | $1,218,582,000 | 776 |
| Average equity | $143,417,333 | 687 |
| Average total loans | $693,314,333 | 948 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 3,475 |
| Cost of funding earning assets | 0.3640% | 4,042 |
| Net interest margin | 3.6249% | 2,071 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.3586% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0253% | 2,452 |
| Return on assets (ROA) | 1.0351% | 2,386 |
| Pretax return on assets | 1.3458% | 2,033 |
| Return on Equity (ROE) | 9.6200% | 2,892 |
| Retained earnings to average equity (ytd only) | 5.7188% | 2,842 |
| Net charge-offs to loans | -0.0035% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.8832% | 2,476 |
| Assets per employee ($millions) | 7.3691% | 1,702 |
| Cash dividends to net income (ytd only)* | 40.5468% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6955% | 180 |
| Loan loss allowance to noncurrent loans | 1,776.9231% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 3,010 |
| Noncurrent loans to loans | 0.1517% | 2,736 |
| Net loans and leases to total assets | 50.2900% | 3,470 |
| Net loans and leases to deposits | 60.0777% | 3,331 |
| Net loans and leases to core deposits | 61.2096% | 3,492 |
| Total domestic deposits to total assets | 83.7100% | 3,153 |
| Equity capital to assets | 11.1774% | 1,276 |
| Core capital (leverage) ratio | 15.3811% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,328,607,000 | 793 |
| Average earning assets | $1,219,886,000 | 788 |
| Average equity | $142,966,500 | 700 |
| Average total loans | $687,519,000 | 969 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5482% | 2,948 |
| Cost of funding earning assets | 0.1257% | 4,251 |
| Net interest margin | 3.4224% | 2,179 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.1107% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0556% | 2,355 |
| Return on assets (ROA) | 1.0543% | 2,305 |
| Pretax return on assets | 1.3879% | 1,801 |
| Return on Equity (ROE) | 9.2800% | 3,038 |
| Retained earnings to average equity (ytd only) | 5.7214% | 2,742 |
| Net charge-offs to loans | -0.0173% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.3031% | 3,016 |
| Assets per employee ($millions) | 7.0041% | 1,976 |
| Cash dividends to net income (ytd only)* | 38.3394% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1719% | 320 |
| Loan loss allowance to noncurrent loans | 3,531.6038% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,489 |
| Noncurrent loans to loans | 0.0615% | 3,309 |
| Net loans and leases to total assets | 50.6800% | 3,457 |
| Net loans and leases to deposits | 59.0022% | 3,397 |
| Net loans and leases to core deposits | 59.6530% | 3,527 |
| Total domestic deposits to total assets | 85.9000% | 2,760 |
| Equity capital to assets | 10.3452% | 1,537 |
| Core capital (leverage) ratio | 15.1845% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,379,975,600 | 751 |
| Average earning assets | $1,281,247,800 | 739 |
| Average equity | $156,798,200 | 657 |
| Average total loans | $668,765,000 | 944 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4434% | 2,793 |
| Cost of funding earning assets | 0.1218% | 4,112 |
| Net interest margin | 3.3217% | 2,229 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.0817% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0295% | 2,367 |
| Return on assets (ROA) | 1.0257% | 2,359 |
| Pretax return on assets | 1.3320% | 1,945 |
| Return on Equity (ROE) | 8.8400% | 3,081 |
| Retained earnings to average equity (ytd only) | 5.3619% | 2,971 |
| Net charge-offs to loans | -0.0223% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.8959% | 2,997 |
| Assets per employee ($millions) | 7.3001% | 1,752 |
| Cash dividends to net income (ytd only)* | 39.3334% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1516% | 377 |
| Loan loss allowance to noncurrent loans | 3,572.5537% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 3,610 |
| Noncurrent loans to loans | 0.0602% | 3,448 |
| Net loans and leases to total assets | 50.1400% | 3,446 |
| Net loans and leases to deposits | 55.5644% | 3,512 |
| Net loans and leases to core deposits | 56.1628% | 3,618 |
| Total domestic deposits to total assets | 90.2300% | 1,556 |
| Equity capital to assets | 9.4134% | 1,939 |
| Core capital (leverage) ratio | 14.7269% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,392,274,000 | 756 |
| Average earning assets | $1,296,578,750 | 740 |
| Average equity | $161,579,750 | 646 |
| Average total loans | $663,592,250 | 947 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3254% | 2,657 |
| Cost of funding earning assets | 0.1019% | 4,171 |
| Net interest margin | 3.2235% | 2,120 |
| Noninterest income to average assets | 0.3257% | 3,216 |
| Noninterest expense to average assets | 2.0116% | 3,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0239% | 2,073 |
| Return on assets (ROA) | 1.0180% | 2,062 |
| Pretax return on assets | 1.3217% | 1,677 |
| Return on Equity (ROE) | 8.2680% | 2,944 |
| Retained earnings to average equity (ytd only) | 4.9724% | 2,720 |
| Net charge-offs to loans | -0.0006% | 2,998 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2115% | 3,269 |
| Assets per employee ($millions) | 7.6948% | 1,482 |
| Cash dividends to net income (ytd only)* | 39.8600% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1772% | 397 |
| Loan loss allowance to noncurrent loans | 5,628.7879% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,823 |
| Noncurrent loans to loans | 0.0387% | 3,657 |
| Net loans and leases to total assets | 47.9384% | 3,559 |
| Net loans and leases to deposits | 55.2989% | 3,436 |
| Net loans and leases to core deposits | 55.9028% | 3,573 |
| Total domestic deposits to total assets | 86.6896% | 3,040 |
| Equity capital to assets | 10.2823% | 1,544 |
| Core capital (leverage) ratio | 14.7352% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,403,758,000 | 742 |
| Average earning assets | $1,313,031,000 | 737 |
| Average equity | $172,834,000 | 612 |
| Average total loans | $652,885,000 | 951 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2611% | 2,499 |
| Cost of funding earning assets | 0.0938% | 4,214 |
| Net interest margin | 3.1673% | 1,978 |
| Noninterest income to average assets | 0.3233% | 3,168 |
| Noninterest expense to average assets | 1.9988% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0066% | 1,855 |
| Return on assets (ROA) | 0.9997% | 1,881 |
| Pretax return on assets | 1.2974% | 1,515 |
| Return on Equity (ROE) | 7.5077% | 2,868 |
| Retained earnings to average equity (ytd only) | 4.3443% | 2,823 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4775% | 3,439 |
| Assets per employee ($millions) | 7.6624% | 1,575 |
| Cash dividends to net income (ytd only)* | 42.1352% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3167% | 363 |
| Loan loss allowance to noncurrent loans | 3,161.2766% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 3,702 |
| Noncurrent loans to loans | 0.0733% | 3,483 |
| Net loans and leases to total assets | 45.1719% | 3,642 |
| Net loans and leases to deposits | 51.6518% | 3,595 |
| Net loans and leases to core deposits | 52.1649% | 3,722 |
| Total domestic deposits to total assets | 87.4545% | 2,760 |
| Equity capital to assets | 12.1928% | 891 |
| Core capital (leverage) ratio | 14.7644% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,409,259,000 | 738 |
| Average earning assets | $1,326,682,000 | 727 |
| Average equity | $187,647,500 | 583 |
| Average total loans | $638,065,000 | 963 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3360% | 3,095 |
| Cost of funding earning assets | 0.0968% | 4,405 |
| Net interest margin | 3.2392% | 2,488 |
| Noninterest income to average assets | 0.3896% | 3,105 |
| Noninterest expense to average assets | 1.8759% | 3,981 |
| Loan and lease loss provision to assets | 0.1448% | 824 |
| Net operating income to assets | 1.0627% | 2,441 |
| Return on assets (ROA) | 1.0993% | 2,363 |
| Pretax return on assets | 1.4828% | 1,782 |
| Return on Equity (ROE) | 7.4436% | 3,393 |
| Retained earnings to average equity (ytd only) | 4.7678% | 2,884 |
| Net charge-offs to loans | -0.0031% | 3,443 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2609% | 3,907 |
| Assets per employee ($millions) | 7.7385% | 1,474 |
| Cash dividends to net income (ytd only)* | 35.9476% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3406% | 360 |
| Loan loss allowance to noncurrent loans | 3,361.5385% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 3,809 |
| Noncurrent loans to loans | 0.0696% | 3,592 |
| Net loans and leases to total assets | 43.3024% | 3,890 |
| Net loans and leases to deposits | 50.7941% | 3,831 |
| Net loans and leases to core deposits | 51.2808% | 3,945 |
| Total domestic deposits to total assets | 85.2509% | 3,189 |
| Equity capital to assets | 14.4028% | 598 |
| Core capital (leverage) ratio | 14.4079% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,381,457,200 | 723 |
| Average earning assets | $1,308,300,800 | 713 |
| Average equity | $204,014,600 | 530 |
| Average total loans | $650,200,800 | 937 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3226% | 3,330 |
| Cost of funding earning assets | 0.0978% | 4,520 |
| Net interest margin | 3.2249% | 2,650 |
| Noninterest income to average assets | 0.4113% | 3,028 |
| Noninterest expense to average assets | 1.8641% | 4,027 |
| Loan and lease loss provision to assets | 0.1948% | 536 |
| Net operating income to assets | 1.0465% | 2,742 |
| Return on assets (ROA) | 1.0756% | 2,696 |
| Pretax return on assets | 1.4408% | 2,181 |
| Return on Equity (ROE) | 7.2363% | 3,604 |
| Retained earnings to average equity (ytd only) | 4.5339% | 3,394 |
| Net charge-offs to loans | -0.0037% | 3,348 |
| Credit loss provision to net charge-offs | -11,111.1111% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8308% | 3,835 |
| Assets per employee ($millions) | 7.7758% | 1,396 |
| Cash dividends to net income (ytd only)* | 37.3449% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2969% | 393 |
| Loan loss allowance to noncurrent loans | 1,350.5455% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,592 |
| Noncurrent loans to loans | 0.1701% | 3,266 |
| Net loans and leases to total assets | 44.1685% | 3,942 |
| Net loans and leases to deposits | 51.7999% | 3,898 |
| Net loans and leases to core deposits | 52.2584% | 4,022 |
| Total domestic deposits to total assets | 85.2674% | 3,025 |
| Equity capital to assets | 14.4188% | 650 |
| Core capital (leverage) ratio | 14.4969% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,368,915,000 | 738 |
| Average earning assets | $1,295,365,500 | 724 |
| Average equity | $203,469,750 | 534 |
| Average total loans | $654,054,250 | 944 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3420% | 3,332 |
| Cost of funding earning assets | 0.0993% | 4,590 |
| Net interest margin | 3.2427% | 2,632 |
| Noninterest income to average assets | 0.4284% | 2,961 |
| Noninterest expense to average assets | 1.8865% | 3,997 |
| Loan and lease loss provision to assets | 0.2967% | 289 |
| Net operating income to assets | 0.9748% | 2,977 |
| Return on assets (ROA) | 1.0158% | 2,921 |
| Pretax return on assets | 1.3624% | 2,432 |
| Return on Equity (ROE) | 6.7625% | 3,711 |
| Retained earnings to average equity (ytd only) | 4.0093% | 3,513 |
| Net charge-offs to loans | -0.0043% | 3,386 |
| Credit loss provision to net charge-offs | -14,285.7143% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9974% | 3,807 |
| Assets per employee ($millions) | 7.3335% | 1,576 |
| Cash dividends to net income (ytd only)* | 40.7126% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3177% | 348 |
| Loan loss allowance to noncurrent loans | 2,165.0146% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,924 |
| Noncurrent loans to loans | 0.1071% | 3,650 |
| Net loans and leases to total assets | 45.1623% | 3,964 |
| Net loans and leases to deposits | 53.1544% | 3,918 |
| Net loans and leases to core deposits | 53.6787% | 4,039 |
| Total domestic deposits to total assets | 84.9643% | 3,110 |
| Equity capital to assets | 14.7210% | 576 |
| Core capital (leverage) ratio | 14.7496% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,348,306,667 | 745 |
| Average earning assets | $1,274,563,000 | 733 |
| Average equity | $202,528,000 | 530 |
| Average total loans | $656,475,000 | 948 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3581% | 3,317 |
| Cost of funding earning assets | 0.1015% | 4,637 |
| Net interest margin | 3.2565% | 2,528 |
| Noninterest income to average assets | 0.4585% | 2,794 |
| Noninterest expense to average assets | 1.8949% | 3,995 |
| Loan and lease loss provision to assets | 0.6018% | 96 |
| Net operating income to assets | 0.7824% | 3,476 |
| Return on assets (ROA) | 0.8009% | 3,491 |
| Pretax return on assets | 1.0633% | 3,207 |
| Return on Equity (ROE) | 5.2772% | 4,033 |
| Retained earnings to average equity (ytd only) | 2.3948% | 3,932 |
| Net charge-offs to loans | -0.0048% | 3,380 |
| Credit loss provision to net charge-offs | -25,000.0000% | 3,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5818% | 3,833 |
| Assets per employee ($millions) | 7.1043% | 1,723 |
| Cash dividends to net income (ytd only)* | 54.6206% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2278% | 409 |
| Loan loss allowance to noncurrent loans | 1,487.5752% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 3,846 |
| Noncurrent loans to loans | 0.1498% | 3,577 |
| Net loans and leases to total assets | 48.0169% | 3,818 |
| Net loans and leases to deposits | 56.5288% | 3,757 |
| Net loans and leases to core deposits | 57.1400% | 3,898 |
| Total domestic deposits to total assets | 84.9424% | 3,121 |
| Equity capital to assets | 14.7491% | 533 |
| Core capital (leverage) ratio | 15.2254% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,329,445,500 | 748 |
| Average earning assets | $1,256,547,500 | 736 |
| Average equity | $201,773,000 | 525 |
| Average total loans | $664,305,500 | 931 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5871% | 3,839 |
| Cost of funding earning assets | 0.1103% | 4,840 |
| Net interest margin | 3.4768% | 2,544 |
| Noninterest income to average assets | 0.4722% | 2,764 |
| Noninterest expense to average assets | 2.0345% | 4,076 |
| Loan and lease loss provision to assets | 0.0909% | 3,226 |
| Net operating income to assets | 1.1854% | 1,596 |
| Return on assets (ROA) | 1.1909% | 1,688 |
| Pretax return on assets | 1.6408% | 978 |
| Return on Equity (ROE) | 7.2917% | 3,080 |
| Retained earnings to average equity (ytd only) | 4.5890% | 2,486 |
| Net charge-offs to loans | -0.0142% | 4,333 |
| Credit loss provision to net charge-offs | -1,294.1176% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1185% | 4,200 |
| Assets per employee ($millions) | 7.0377% | 1,560 |
| Cash dividends to net income (ytd only)* | 37.0653% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9386% | 662 |
| Loan loss allowance to noncurrent loans | 1,163.9166% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 3,905 |
| Noncurrent loans to loans | 0.1666% | 3,611 |
| Net loans and leases to total assets | 49.8763% | 3,841 |
| Net loans and leases to deposits | 59.3635% | 3,806 |
| Net loans and leases to core deposits | 60.0373% | 3,943 |
| Total domestic deposits to total assets | 84.0186% | 3,104 |
| Equity capital to assets | 15.6234% | 472 |
| Core capital (leverage) ratio | 15.3186% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,209,745,200 | 744 |
| Average earning assets | $1,143,759,400 | 728 |
| Average equity | $197,581,000 | 509 |
| Average total loans | $597,831,200 | 981 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6449% | 3,920 |
| Cost of funding earning assets | 0.1122% | 4,901 |
| Net interest margin | 3.5327% | 2,479 |
| Noninterest income to average assets | 0.4444% | 2,870 |
| Noninterest expense to average assets | 1.9986% | 4,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3045% | 1,348 |
| Return on assets (ROA) | 1.3116% | 1,420 |
| Pretax return on assets | 1.7953% | 783 |
| Return on Equity (ROE) | 7.9363% | 2,828 |
| Retained earnings to average equity (ytd only) | 5.1932% | 2,476 |
| Net charge-offs to loans | -0.0174% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8038% | 4,271 |
| Assets per employee ($millions) | 7.0661% | 1,453 |
| Cash dividends to net income (ytd only)* | 34.5640% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8475% | 657 |
| Loan loss allowance to noncurrent loans | 1,473.4925% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 4,129 |
| Noncurrent loans to loans | 0.1254% | 3,879 |
| Net loans and leases to total assets | 48.4543% | 4,195 |
| Net loans and leases to deposits | 57.6934% | 4,177 |
| Net loans and leases to core deposits | 58.2546% | 4,292 |
| Total domestic deposits to total assets | 83.9858% | 2,830 |
| Equity capital to assets | 15.7016% | 508 |
| Core capital (leverage) ratio | 15.5447% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,186,687,500 | 747 |
| Average earning assets | $1,122,122,000 | 729 |
| Average equity | $196,123,000 | 506 |
| Average total loans | $581,735,000 | 999 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 4,028 |
| Cost of funding earning assets | 0.1150% | 4,947 |
| Net interest margin | 3.6136% | 2,441 |
| Noninterest income to average assets | 0.4470% | 2,819 |
| Noninterest expense to average assets | 2.0631% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3161% | 1,319 |
| Return on assets (ROA) | 1.3272% | 1,384 |
| Pretax return on assets | 1.8126% | 796 |
| Return on Equity (ROE) | 7.8841% | 2,796 |
| Retained earnings to average equity (ytd only) | 5.0734% | 2,440 |
| Net charge-offs to loans | -0.0298% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4255% | 4,241 |
| Assets per employee ($millions) | 6.6611% | 1,669 |
| Cash dividends to net income (ytd only)* | 35.6499% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9191% | 512 |
| Loan loss allowance to noncurrent loans | 939.7118% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,029 |
| Noncurrent loans to loans | 0.2042% | 3,652 |
| Net loans and leases to total assets | 48.6766% | 4,225 |
| Net loans and leases to deposits | 58.3231% | 4,203 |
| Net loans and leases to core deposits | 58.9037% | 4,313 |
| Total domestic deposits to total assets | 83.4602% | 2,936 |
| Equity capital to assets | 16.1894% | 449 |
| Core capital (leverage) ratio | 16.4674% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,153,576,000 | 759 |
| Average earning assets | $1,090,089,000 | 735 |
| Average equity | $194,188,667 | 508 |
| Average total loans | $564,026,000 | 1,011 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 4,205 |
| Cost of funding earning assets | 0.1200% | 5,016 |
| Net interest margin | 3.6932% | 2,348 |
| Noninterest income to average assets | 0.5119% | 2,495 |
| Noninterest expense to average assets | 2.2172% | 3,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3255% | 1,171 |
| Return on assets (ROA) | 1.3096% | 1,312 |
| Pretax return on assets | 1.7652% | 750 |
| Return on Equity (ROE) | 7.6186% | 2,671 |
| Retained earnings to average equity (ytd only) | 4.6447% | 2,439 |
| Net charge-offs to loans | 0.0370% | 1,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 99.4600% | 582 |
| Efficiency ratio | 55.3951% | 4,269 |
| Assets per employee ($millions) | 5.8557% | 1,791 |
| Cash dividends to net income (ytd only)* | 39.0351% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1123% | 425 |
| Loan loss allowance to noncurrent loans | 1,118.9007% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 4,153 |
| Noncurrent loans to loans | 0.1888% | 3,798 |
| Net loans and leases to total assets | 47.8250% | 4,344 |
| Net loans and leases to deposits | 58.0657% | 4,286 |
| Net loans and leases to core deposits | 58.7072% | 4,408 |
| Total domestic deposits to total assets | 82.3635% | 3,310 |
| Equity capital to assets | 17.2359% | 415 |
| Core capital (leverage) ratio | 17.2968% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,114,208,500 | 751 |
| Average earning assets | $1,053,067,000 | 732 |
| Average equity | $191,531,000 | 517 |
| Average total loans | $540,247,000 | 1,026 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 4,315 |
| Cost of funding earning assets | 0.1150% | 5,087 |
| Net interest margin | 3.8579% | 2,312 |
| Noninterest income to average assets | 0.4272% | 3,122 |
| Noninterest expense to average assets | 2.1832% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3568% | 1,483 |
| Return on assets (ROA) | 1.3574% | 1,561 |
| Pretax return on assets | 1.8896% | 762 |
| Return on Equity (ROE) | 8.2470% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.4444% | 2,197 |
| Net charge-offs to loans | 0.0085% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 464.3111% | 202 |
| Efficiency ratio | 53.6153% | 4,457 |
| Assets per employee ($millions) | 5.5764% | 1,999 |
| Cash dividends to net income (ytd only)* | 33.9838% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1937% | 333 |
| Loan loss allowance to noncurrent loans | 1,181.8458% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 4,190 |
| Noncurrent loans to loans | 0.1856% | 3,787 |
| Net loans and leases to total assets | 47.0550% | 4,475 |
| Net loans and leases to deposits | 57.1092% | 4,414 |
| Net loans and leases to core deposits | 57.7728% | 4,533 |
| Total domestic deposits to total assets | 82.3947% | 3,401 |
| Equity capital to assets | 17.1430% | 454 |
| Core capital (leverage) ratio | 16.9334% | 419 |
| Tier 1 risk-based capital ratio | 27.3280% | 598 |
| Total risk-based capital ratio | 28.5838% | 586 |
| Memoranda: | ||
| Average total assets | $1,106,209,600 | 721 |
| Average earning assets | $1,045,095,200 | 697 |
| Average equity | $182,077,600 | 513 |
| Average total loans | $530,053,000 | 1,021 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 4,399 |
| Cost of funding earning assets | 0.1122% | 5,166 |
| Net interest margin | 3.8694% | 2,366 |
| Noninterest income to average assets | 0.4243% | 3,183 |
| Noninterest expense to average assets | 2.1368% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3964% | 1,481 |
| Return on assets (ROA) | 1.3934% | 1,557 |
| Pretax return on assets | 1.9407% | 788 |
| Return on Equity (ROE) | 8.5540% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.7014% | 2,509 |
| Net charge-offs to loans | 0.0083% | 3,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 489.1091% | 203 |
| Efficiency ratio | 52.3555% | 4,568 |
| Assets per employee ($millions) | 5.6602% | 1,877 |
| Cash dividends to net income (ytd only)* | 33.3478% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1827% | 340 |
| Loan loss allowance to noncurrent loans | 1,040.5888% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 4,210 |
| Noncurrent loans to loans | 0.2098% | 3,787 |
| Net loans and leases to total assets | 47.1206% | 4,542 |
| Net loans and leases to deposits | 56.9790% | 4,516 |
| Net loans and leases to core deposits | 57.6323% | 4,633 |
| Total domestic deposits to total assets | 82.6981% | 3,253 |
| Equity capital to assets | 16.8414% | 501 |
| Core capital (leverage) ratio | 16.9639% | 449 |
| Tier 1 risk-based capital ratio | 26.9901% | 643 |
| Total risk-based capital ratio | 28.2457% | 626 |
| Memoranda: | ||
| Average total assets | $1,106,732,250 | 719 |
| Average earning assets | $1,045,980,750 | 696 |
| Average equity | $180,277,250 | 519 |
| Average total loans | $529,767,250 | 1,017 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 4,416 |
| Cost of funding earning assets | 0.1089% | 5,212 |
| Net interest margin | 3.8704% | 2,340 |
| Noninterest income to average assets | 0.4149% | 3,168 |
| Noninterest expense to average assets | 2.1256% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3980% | 1,447 |
| Return on assets (ROA) | 1.3892% | 1,518 |
| Pretax return on assets | 1.9348% | 779 |
| Return on Equity (ROE) | 8.6260% | 3,013 |
| Retained earnings to average equity (ytd only) | 5.6926% | 2,422 |
| Net charge-offs to loans | 0.0148% | 2,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 275.8974% | 291 |
| Efficiency ratio | 52.2054% | 4,642 |
| Assets per employee ($millions) | 5.5817% | 1,890 |
| Cash dividends to net income (ytd only)* | 34.0060% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1921% | 335 |
| Loan loss allowance to noncurrent loans | 980.5719% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 4,211 |
| Noncurrent loans to loans | 0.2236% | 3,738 |
| Net loans and leases to total assets | 47.5498% | 4,587 |
| Net loans and leases to deposits | 57.4378% | 4,543 |
| Net loans and leases to core deposits | 58.0856% | 4,640 |
| Total domestic deposits to total assets | 82.7848% | 3,277 |
| Equity capital to assets | 16.8091% | 492 |
| Core capital (leverage) ratio | 16.8391% | 450 |
| Tier 1 risk-based capital ratio | 27.0730% | 614 |
| Total risk-based capital ratio | 28.3290% | 599 |
| Memoranda: | ||
| Average total assets | $1,105,843,000 | 719 |
| Average earning assets | $1,044,806,330 | 695 |
| Average equity | $178,090,330 | 520 |
| Average total loans | $528,216,000 | 1,019 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9603% | 4,455 |
| Cost of funding earning assets | 0.1066% | 5,269 |
| Net interest margin | 3.8537% | 2,330 |
| Noninterest income to average assets | 0.4004% | 3,181 |
| Noninterest expense to average assets | 2.0710% | 4,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4148% | 1,338 |
| Return on assets (ROA) | 1.4086% | 1,377 |
| Pretax return on assets | 1.9627% | 682 |
| Return on Equity (ROE) | 8.9389% | 2,834 |
| Retained earnings to average equity (ytd only) | 5.8223% | 2,536 |
| Net charge-offs to loans | 0.0296% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 140.4359% | 531 |
| Efficiency ratio | 51.2419% | 4,744 |
| Assets per employee ($millions) | 5.6040% | 1,880 |
| Cash dividends to net income (ytd only)* | 34.8659% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2194% | 348 |
| Loan loss allowance to noncurrent loans | 1,059.9091% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 4,317 |
| Noncurrent loans to loans | 0.2094% | 3,838 |
| Net loans and leases to total assets | 46.0611% | 4,668 |
| Net loans and leases to deposits | 55.1030% | 4,640 |
| Net loans and leases to core deposits | 55.6994% | 4,728 |
| Total domestic deposits to total assets | 83.5909% | 3,190 |
| Equity capital to assets | 16.0051% | 571 |
| Core capital (leverage) ratio | 16.2986% | 498 |
| Tier 1 risk-based capital ratio | 26.8505% | 628 |
| Total risk-based capital ratio | 28.1065% | 616 |
| Memoranda: | ||
| Average total assets | $1,111,759,000 | 712 |
| Average earning assets | $1,050,430,500 | 694 |
| Average equity | $175,189,000 | 523 |
| Average total loans | $526,394,500 | 1,025 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 4,404 |
| Cost of funding earning assets | 0.1125% | 5,262 |
| Net interest margin | 3.7298% | 2,935 |
| Noninterest income to average assets | 0.4386% | 3,179 |
| Noninterest expense to average assets | 2.1480% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3064% | 1,766 |
| Return on assets (ROA) | 1.2876% | 1,847 |
| Pretax return on assets | 1.7920% | 943 |
| Return on Equity (ROE) | 8.6391% | 3,165 |
| Retained earnings to average equity (ytd only) | 5.6457% | 2,389 |
| Net charge-offs to loans | -0.0319% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1905% | 4,603 |
| Assets per employee ($millions) | 5.3542% | 2,105 |
| Cash dividends to net income (ytd only)* | 34.6496% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2178% | 322 |
| Loan loss allowance to noncurrent loans | 676.1850% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 4,045 |
| Noncurrent loans to loans | 0.3280% | 3,377 |
| Net loans and leases to total assets | 46.5353% | 4,715 |
| Net loans and leases to deposits | 55.3394% | 4,692 |
| Net loans and leases to core deposits | 55.8504% | 4,783 |
| Total domestic deposits to total assets | 84.0907% | 2,974 |
| Equity capital to assets | 15.5091% | 614 |
| Core capital (leverage) ratio | 15.8039% | 550 |
| Tier 1 risk-based capital ratio | 26.1861% | 654 |
| Total risk-based capital ratio | 27.4421% | 648 |
| Memoranda: | ||
| Average total assets | $1,117,095,400 | 690 |
| Average earning assets | $1,055,805,000 | 664 |
| Average equity | $166,498,800 | 528 |
| Average total loans | $511,499,200 | 1,025 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,539 |
| Cost of funding earning assets | 0.1133% | 5,319 |
| Net interest margin | 3.6435% | 3,213 |
| Noninterest income to average assets | 0.4419% | 3,222 |
| Noninterest expense to average assets | 2.1107% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2788% | 1,935 |
| Return on assets (ROA) | 1.2560% | 2,028 |
| Pretax return on assets | 1.7475% | 1,152 |
| Return on Equity (ROE) | 8.5124% | 3,323 |
| Retained earnings to average equity (ytd only) | 5.4704% | 2,971 |
| Net charge-offs to loans | 0.0008% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 4,970.5425% | 8 |
| Efficiency ratio | 54.3011% | 4,579 |
| Assets per employee ($millions) | 5.2801% | 2,140 |
| Cash dividends to net income (ytd only)* | 35.7359% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1912% | 369 |
| Loan loss allowance to noncurrent loans | 486.1720% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 3,884 |
| Noncurrent loans to loans | 0.4507% | 3,040 |
| Net loans and leases to total assets | 45.9863% | 4,803 |
| Net loans and leases to deposits | 54.2066% | 4,816 |
| Net loans and leases to core deposits | 54.7199% | 4,886 |
| Total domestic deposits to total assets | 84.8351% | 2,675 |
| Equity capital to assets | 14.7318% | 775 |
| Core capital (leverage) ratio | 15.5834% | 583 |
| Tier 1 risk-based capital ratio | 25.9604% | 684 |
| Total risk-based capital ratio | 27.2162% | 672 |
| Memoranda: | ||
| Average total assets | $1,119,287,500 | 683 |
| Average earning assets | $1,058,327,250 | 662 |
| Average equity | $165,150,750 | 523 |
| Average total loans | $507,508,750 | 1,031 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7213% | 4,534 |
| Cost of funding earning assets | 0.1141% | 5,363 |
| Net interest margin | 3.6072% | 3,280 |
| Noninterest income to average assets | 0.4494% | 3,155 |
| Noninterest expense to average assets | 2.1096% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2632% | 1,925 |
| Return on assets (ROA) | 1.2339% | 2,039 |
| Pretax return on assets | 1.7161% | 1,177 |
| Return on Equity (ROE) | 8.3579% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.2701% | 2,946 |
| Net charge-offs to loans | -0.0080% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6119% | 4,626 |
| Assets per employee ($millions) | 5.2999% | 2,105 |
| Cash dividends to net income (ytd only)* | 36.9442% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2627% | 332 |
| Loan loss allowance to noncurrent loans | 647.3389% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 4,187 |
| Noncurrent loans to loans | 0.3495% | 3,446 |
| Net loans and leases to total assets | 44.8460% | 4,873 |
| Net loans and leases to deposits | 52.8628% | 4,882 |
| Net loans and leases to core deposits | 53.4857% | 4,948 |
| Total domestic deposits to total assets | 84.8346% | 2,736 |
| Equity capital to assets | 14.7877% | 735 |
| Core capital (leverage) ratio | 15.5277% | 567 |
| Tier 1 risk-based capital ratio | 26.3594% | 647 |
| Total risk-based capital ratio | 27.6159% | 634 |
| Memoranda: | ||
| Average total assets | $1,119,259,670 | 683 |
| Average earning assets | $1,059,146,330 | 662 |
| Average equity | $165,233,000 | 520 |
| Average total loans | $501,248,670 | 1,044 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6386% | 4,621 |
| Cost of funding earning assets | 0.1144% | 5,411 |
| Net interest margin | 3.5242% | 3,442 |
| Noninterest income to average assets | 0.4465% | 3,136 |
| Noninterest expense to average assets | 2.0695% | 4,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2319% | 1,885 |
| Return on assets (ROA) | 1.2370% | 1,871 |
| Pretax return on assets | 1.7210% | 1,067 |
| Return on Equity (ROE) | 8.3862% | 3,198 |
| Retained earnings to average equity (ytd only) | 5.1607% | 3,093 |
| Net charge-offs to loans | -0.0661% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6901% | 4,716 |
| Assets per employee ($millions) | 5.4530% | 1,983 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3208% | 315 |
| Loan loss allowance to noncurrent loans | 394.4652% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 3,550 |
| Noncurrent loans to loans | 0.5883% | 2,773 |
| Net loans and leases to total assets | 43.3162% | 4,928 |
| Net loans and leases to deposits | 50.8984% | 4,927 |
| Net loans and leases to core deposits | 51.5674% | 4,996 |
| Total domestic deposits to total assets | 85.1033% | 2,899 |
| Equity capital to assets | 14.5351% | 768 |
| Core capital (leverage) ratio | 15.2906% | 594 |
| Tier 1 risk-based capital ratio | 26.1337% | 671 |
| Total risk-based capital ratio | 27.3903% | 661 |
| Memoranda: | ||
| Average total assets | $1,122,401,500 | 683 |
| Average earning assets | $1,062,941,500 | 663 |
| Average equity | $165,557,500 | 522 |
| Average total loans | $496,533,000 | 1,056 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5529% | 4,690 |
| Cost of funding earning assets | 0.1253% | 5,386 |
| Net interest margin | 3.4277% | 3,765 |
| Noninterest income to average assets | 0.5052% | 2,967 |
| Noninterest expense to average assets | 2.0901% | 4,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8765% | 2,830 |
| Return on assets (ROA) | 0.8185% | 3,123 |
| Pretax return on assets | 1.5699% | 1,381 |
| Return on Equity (ROE) | 5.3048% | 4,039 |
| Retained earnings to average equity (ytd only) | 2.6734% | 3,713 |
| Net charge-offs to loans | 0.0285% | 3,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 127.3830% | 536 |
| Efficiency ratio | 55.7284% | 4,790 |
| Assets per employee ($millions) | 5.2893% | 2,160 |
| Cash dividends to net income (ytd only)* | 49.6047% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3421% | 299 |
| Loan loss allowance to noncurrent loans | 372.4572% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 3,780 |
| Noncurrent loans to loans | 0.6288% | 2,645 |
| Net loans and leases to total assets | 43.0968% | 5,024 |
| Net loans and leases to deposits | 50.8961% | 5,031 |
| Net loans and leases to core deposits | 51.6049% | 5,079 |
| Total domestic deposits to total assets | 84.6760% | 2,960 |
| Equity capital to assets | 14.9679% | 686 |
| Core capital (leverage) ratio | 15.2231% | 581 |
| Tier 1 risk-based capital ratio | 25.9145% | 671 |
| Total risk-based capital ratio | 27.1710% | 658 |
| Memoranda: | ||
| Average total assets | $1,081,693,200 | 685 |
| Average earning assets | $1,024,166,200 | 663 |
| Average equity | $166,905,400 | 499 |
| Average total loans | $494,730,200 | 1,038 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5358% | 4,726 |
| Cost of funding earning assets | 0.1265% | 5,446 |
| Net interest margin | 3.4093% | 3,816 |
| Noninterest income to average assets | 0.5212% | 2,892 |
| Noninterest expense to average assets | 2.0481% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0436% | 2,360 |
| Return on assets (ROA) | 1.0408% | 2,405 |
| Pretax return on assets | 1.6958% | 1,140 |
| Return on Equity (ROE) | 6.6933% | 3,816 |
| Retained earnings to average equity (ytd only) | 4.0382% | 3,517 |
| Net charge-offs to loans | -0.0229% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6407% | 4,888 |
| Assets per employee ($millions) | 5.0743% | 2,359 |
| Cash dividends to net income (ytd only)* | 39.6682% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3278% | 334 |
| Loan loss allowance to noncurrent loans | 372.5372% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 3,910 |
| Noncurrent loans to loans | 0.6248% | 2,835 |
| Net loans and leases to total assets | 45.0243% | 4,986 |
| Net loans and leases to deposits | 53.4901% | 4,984 |
| Net loans and leases to core deposits | 54.3793% | 5,060 |
| Total domestic deposits to total assets | 84.1732% | 3,055 |
| Equity capital to assets | 15.4993% | 630 |
| Core capital (leverage) ratio | 15.8961% | 508 |
| Tier 1 risk-based capital ratio | 25.3676% | 714 |
| Total risk-based capital ratio | 26.6241% | 707 |
| Memoranda: | ||
| Average total assets | $1,073,106,500 | 695 |
| Average earning assets | $1,015,745,000 | 671 |
| Average equity | $166,869,750 | 506 |
| Average total loans | $495,284,750 | 1,041 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5295% | 4,686 |
| Cost of funding earning assets | 0.1284% | 5,457 |
| Net interest margin | 3.4011% | 3,763 |
| Noninterest income to average assets | 0.5596% | 2,657 |
| Noninterest expense to average assets | 2.0765% | 4,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0453% | 2,228 |
| Return on assets (ROA) | 1.0399% | 2,289 |
| Pretax return on assets | 1.6926% | 1,074 |
| Return on Equity (ROE) | 6.6801% | 3,733 |
| Retained earnings to average equity (ytd only) | 3.9598% | 3,346 |
| Net charge-offs to loans | -0.0102% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9692% | 4,926 |
| Assets per employee ($millions) | 5.0130% | 2,371 |
| Cash dividends to net income (ytd only)* | 40.7220% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3131% | 370 |
| Loan loss allowance to noncurrent loans | 324.1274% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 3,765 |
| Noncurrent loans to loans | 0.7136% | 2,610 |
| Net loans and leases to total assets | 46.2795% | 4,940 |
| Net loans and leases to deposits | 55.1340% | 4,902 |
| Net loans and leases to core deposits | 56.0352% | 4,989 |
| Total domestic deposits to total assets | 83.9400% | 3,220 |
| Equity capital to assets | 15.7523% | 564 |
| Core capital (leverage) ratio | 15.9831% | 481 |
| Tier 1 risk-based capital ratio | 25.1644% | 731 |
| Total risk-based capital ratio | 26.4208% | 719 |
| Memoranda: | ||
| Average total assets | $1,065,459,330 | 699 |
| Average earning assets | $1,008,085,330 | 679 |
| Average equity | $165,866,330 | 509 |
| Average total loans | $491,963,330 | 1,044 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4761% | 4,760 |
| Cost of funding earning assets | 0.1299% | 5,490 |
| Net interest margin | 3.3462% | 3,860 |
| Noninterest income to average assets | 0.4168% | 3,552 |
| Noninterest expense to average assets | 2.0753% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9297% | 2,618 |
| Return on assets (ROA) | 0.9189% | 2,726 |
| Pretax return on assets | 1.4894% | 1,570 |
| Return on Equity (ROE) | 5.9381% | 3,952 |
| Retained earnings to average equity (ytd only) | 3.0528% | 3,886 |
| Net charge-offs to loans | -0.0132% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9433% | 4,722 |
| Assets per employee ($millions) | 4.8351% | 2,647 |
| Cash dividends to net income (ytd only)* | 48.5890% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3388% | 391 |
| Loan loss allowance to noncurrent loans | 390.9061% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 4,078 |
| Noncurrent loans to loans | 0.5983% | 3,024 |
| Net loans and leases to total assets | 46.1074% | 4,935 |
| Net loans and leases to deposits | 54.8463% | 4,892 |
| Net loans and leases to core deposits | 55.6972% | 4,994 |
| Total domestic deposits to total assets | 84.0665% | 3,453 |
| Equity capital to assets | 15.6120% | 557 |
| Core capital (leverage) ratio | 15.7606% | 496 |
| Tier 1 risk-based capital ratio | 24.8480% | 786 |
| Total risk-based capital ratio | 26.1043% | 773 |
| Memoranda: | ||
| Average total assets | $1,064,303,500 | 704 |
| Average earning assets | $1,006,643,500 | 685 |
| Average equity | $164,700,500 | 507 |
| Average total loans | $485,015,000 | 1,048 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3593% | 5,057 |
| Cost of funding earning assets | 0.1493% | 5,433 |
| Net interest margin | 3.2101% | 4,421 |
| Noninterest income to average assets | 0.4906% | 3,297 |
| Noninterest expense to average assets | 2.1450% | 4,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8695% | 2,981 |
| Return on assets (ROA) | 0.8708% | 3,085 |
| Pretax return on assets | 1.4012% | 1,936 |
| Return on Equity (ROE) | 5.5316% | 4,197 |
| Retained earnings to average equity (ytd only) | 2.9294% | 3,819 |
| Net charge-offs to loans | 0.0232% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 143.0686% | 443 |
| Efficiency ratio | 60.5200% | 4,501 |
| Assets per employee ($millions) | 4.9295% | 2,468 |
| Cash dividends to net income (ytd only)* | 47.0433% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4837% | 318 |
| Loan loss allowance to noncurrent loans | 367.9798% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 4,087 |
| Noncurrent loans to loans | 0.6750% | 2,844 |
| Net loans and leases to total assets | 42.8557% | 5,189 |
| Net loans and leases to deposits | 50.8561% | 5,172 |
| Net loans and leases to core deposits | 51.6479% | 5,245 |
| Total domestic deposits to total assets | 84.2686% | 3,332 |
| Equity capital to assets | 15.3393% | 591 |
| Core capital (leverage) ratio | 15.6359% | 510 |
| Tier 1 risk-based capital ratio | 25.7228% | 711 |
| Total risk-based capital ratio | 26.9801% | 698 |
| Memoranda: | ||
| Average total assets | $1,042,871,800 | 691 |
| Average earning assets | $992,102,200 | 668 |
| Average equity | $164,164,800 | 491 |
| Average total loans | $439,404,400 | 1,111 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3384% | 5,145 |
| Cost of funding earning assets | 0.1538% | 5,464 |
| Net interest margin | 3.1846% | 4,521 |
| Noninterest income to average assets | 0.5048% | 3,221 |
| Noninterest expense to average assets | 2.0411% | 5,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9280% | 2,764 |
| Return on assets (ROA) | 0.9280% | 2,886 |
| Pretax return on assets | 1.4977% | 1,717 |
| Return on Equity (ROE) | 5.8567% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.2304% | 3,977 |
| Net charge-offs to loans | 0.0321% | 3,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 111.9161% | 607 |
| Efficiency ratio | 57.6779% | 4,859 |
| Assets per employee ($millions) | 4.8554% | 2,556 |
| Cash dividends to net income (ytd only)* | 44.8419% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5385% | 325 |
| Loan loss allowance to noncurrent loans | 460.5128% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 4,483 |
| Noncurrent loans to loans | 0.5512% | 3,344 |
| Net loans and leases to total assets | 42.3443% | 5,277 |
| Net loans and leases to deposits | 50.4726% | 5,274 |
| Net loans and leases to core deposits | 51.3105% | 5,338 |
| Total domestic deposits to total assets | 83.8956% | 3,239 |
| Equity capital to assets | 15.7818% | 589 |
| Core capital (leverage) ratio | 15.7160% | 528 |
| Tier 1 risk-based capital ratio | 25.5769% | 756 |
| Total risk-based capital ratio | 26.8343% | 737 |
| Memoranda: | ||
| Average total assets | $1,036,162,250 | 696 |
| Average earning assets | $987,146,500 | 670 |
| Average equity | $164,184,500 | 491 |
| Average total loans | $431,728,500 | 1,126 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3326% | 5,218 |
| Cost of funding earning assets | 0.1601% | 5,481 |
| Net interest margin | 3.1725% | 4,633 |
| Noninterest income to average assets | 0.5205% | 3,062 |
| Noninterest expense to average assets | 2.0585% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9233% | 2,755 |
| Return on assets (ROA) | 0.9233% | 2,889 |
| Pretax return on assets | 1.4896% | 1,704 |
| Return on Equity (ROE) | 5.8188% | 4,129 |
| Retained earnings to average equity (ytd only) | 3.1293% | 3,912 |
| Net charge-offs to loans | 0.0521% | 2,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 69.6545% | 777 |
| Efficiency ratio | 58.0164% | 4,898 |
| Assets per employee ($millions) | 4.7056% | 2,704 |
| Cash dividends to net income (ytd only)* | 46.2203% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7391% | 272 |
| Loan loss allowance to noncurrent loans | 405.2796% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 4,391 |
| Noncurrent loans to loans | 0.6759% | 3,042 |
| Net loans and leases to total assets | 39.6606% | 5,439 |
| Net loans and leases to deposits | 47.3635% | 5,445 |
| Net loans and leases to core deposits | 48.2022% | 5,495 |
| Total domestic deposits to total assets | 83.7366% | 3,371 |
| Equity capital to assets | 15.9125% | 561 |
| Core capital (leverage) ratio | 15.7871% | 489 |
| Tier 1 risk-based capital ratio | 27.1040% | 641 |
| Total risk-based capital ratio | 28.3630% | 625 |
| Memoranda: | ||
| Average total assets | $1,028,723,670 | 699 |
| Average earning assets | $981,745,670 | 678 |
| Average equity | $163,230,330 | 496 |
| Average total loans | $422,345,000 | 1,154 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3766% | 5,173 |
| Cost of funding earning assets | 0.1640% | 5,519 |
| Net interest margin | 3.2127% | 4,543 |
| Noninterest income to average assets | 0.5968% | 2,554 |
| Noninterest expense to average assets | 2.0275% | 5,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0145% | 2,214 |
| Return on assets (ROA) | 1.0145% | 2,331 |
| Pretax return on assets | 1.6407% | 1,204 |
| Return on Equity (ROE) | 6.4032% | 3,777 |
| Retained earnings to average equity (ytd only) | 3.5417% | 3,723 |
| Net charge-offs to loans | 0.0571% | 1,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 69.7833% | 700 |
| Efficiency ratio | 55.2719% | 5,254 |
| Assets per employee ($millions) | 4.6296% | 2,848 |
| Cash dividends to net income (ytd only)* | 44.6891% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7476% | 292 |
| Loan loss allowance to noncurrent loans | 263.2075% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 3,843 |
| Noncurrent loans to loans | 1.0439% | 2,301 |
| Net loans and leases to total assets | 40.5379% | 5,430 |
| Net loans and leases to deposits | 48.4384% | 5,406 |
| Net loans and leases to core deposits | 49.3552% | 5,467 |
| Total domestic deposits to total assets | 83.6895% | 3,641 |
| Equity capital to assets | 15.9675% | 539 |
| Core capital (leverage) ratio | 15.9056% | 485 |
| Tier 1 risk-based capital ratio | 26.9478% | 681 |
| Total risk-based capital ratio | 28.2069% | 662 |
| Memoranda: | ||
| Average total assets | $1,020,763,000 | 708 |
| Average earning assets | $975,884,000 | 678 |
| Average equity | $161,731,000 | 497 |
| Average total loans | $420,527,500 | 1,158 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 5,436 |
| Cost of funding earning assets | 0.1815% | 5,438 |
| Net interest margin | 3.0653% | 4,992 |
| Noninterest income to average assets | 0.4570% | 3,610 |
| Noninterest expense to average assets | 2.0842% | 5,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8116% | 3,293 |
| Return on assets (ROA) | 0.8116% | 3,365 |
| Pretax return on assets | 1.2943% | 2,308 |
| Return on Equity (ROE) | 5.1650% | 4,420 |
| Retained earnings to average equity (ytd only) | 2.5488% | 4,254 |
| Net charge-offs to loans | -0.0608% | 5,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6899% | 4,658 |
| Assets per employee ($millions) | 4.6715% | 2,775 |
| Cash dividends to net income (ytd only)* | 50.6525% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8410% | 270 |
| Loan loss allowance to noncurrent loans | 225.4163% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 3,587 |
| Noncurrent loans to loans | 1.2603% | 1,865 |
| Net loans and leases to total assets | 39.5528% | 5,542 |
| Net loans and leases to deposits | 47.1091% | 5,515 |
| Net loans and leases to core deposits | 48.0175% | 5,564 |
| Total domestic deposits to total assets | 83.9599% | 3,497 |
| Equity capital to assets | 15.7201% | 562 |
| Core capital (leverage) ratio | 15.7348% | 496 |
| Tier 1 risk-based capital ratio | 26.4386% | 713 |
| Total risk-based capital ratio | 27.6975% | 687 |
| Memoranda: | ||
| Average total assets | $1,010,255,400 | 683 |
| Average earning assets | $962,888,600 | 658 |
| Average equity | $158,742,400 | 488 |
| Average total loans | $384,985,000 | 1,200 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1898% | 5,600 |
| Cost of funding earning assets | 0.1846% | 5,505 |
| Net interest margin | 3.0052% | 5,177 |
| Noninterest income to average assets | 0.5083% | 3,310 |
| Noninterest expense to average assets | 2.0615% | 5,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8218% | 3,325 |
| Return on assets (ROA) | 0.8218% | 3,410 |
| Pretax return on assets | 1.3097% | 2,356 |
| Return on Equity (ROE) | 5.2303% | 4,516 |
| Retained earnings to average equity (ytd only) | 2.5840% | 4,579 |
| Net charge-offs to loans | -0.0551% | 5,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1501% | 4,698 |
| Assets per employee ($millions) | 4.4923% | 3,023 |
| Cash dividends to net income (ytd only)* | 50.5955% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9614% | 255 |
| Loan loss allowance to noncurrent loans | 207.5572% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 3,625 |
| Noncurrent loans to loans | 1.4268% | 1,772 |
| Net loans and leases to total assets | 38.0990% | 5,696 |
| Net loans and leases to deposits | 45.4998% | 5,671 |
| Net loans and leases to core deposits | 46.4319% | 5,721 |
| Total domestic deposits to total assets | 83.7345% | 3,526 |
| Equity capital to assets | 15.9085% | 571 |
| Core capital (leverage) ratio | 15.9063% | 499 |
| Tier 1 risk-based capital ratio | 26.2777% | 744 |
| Total risk-based capital ratio | 27.5365% | 727 |
| Memoranda: | ||
| Average total assets | $1,008,224,000 | 688 |
| Average earning assets | $960,499,500 | 667 |
| Average equity | $158,405,250 | 495 |
| Average total loans | $377,587,250 | 1,221 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1792% | 5,651 |
| Cost of funding earning assets | 0.1875% | 5,548 |
| Net interest margin | 2.9916% | 5,247 |
| Noninterest income to average assets | 0.5206% | 3,223 |
| Noninterest expense to average assets | 2.0520% | 5,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8273% | 3,231 |
| Return on assets (ROA) | 0.8273% | 3,344 |
| Pretax return on assets | 1.3179% | 2,297 |
| Return on Equity (ROE) | 5.2874% | 4,496 |
| Retained earnings to average equity (ytd only) | 2.5810% | 4,413 |
| Net charge-offs to loans | -0.0183% | 5,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8918% | 4,846 |
| Assets per employee ($millions) | 4.6806% | 2,704 |
| Cash dividends to net income (ytd only)* | 51.1862% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0357% | 264 |
| Loan loss allowance to noncurrent loans | 128.2881% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 2,821 |
| Noncurrent loans to loans | 2.3663% | 982 |
| Net loans and leases to total assets | 35.4301% | 5,846 |
| Net loans and leases to deposits | 41.9298% | 5,840 |
| Net loans and leases to core deposits | 42.7641% | 5,872 |
| Total domestic deposits to total assets | 84.4987% | 3,346 |
| Equity capital to assets | 15.1726% | 671 |
| Core capital (leverage) ratio | 15.9513% | 473 |
| Tier 1 risk-based capital ratio | 26.3143% | 749 |
| Total risk-based capital ratio | 27.5730% | 737 |
| Memoranda: | ||
| Average total assets | $1,008,873,330 | 690 |
| Average earning assets | $960,876,000 | 669 |
| Average equity | $157,846,000 | 496 |
| Average total loans | $371,756,000 | 1,242 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2362% | 5,584 |
| Cost of funding earning assets | 0.1964% | 5,545 |
| Net interest margin | 3.0399% | 5,105 |
| Noninterest income to average assets | 0.4930% | 3,327 |
| Noninterest expense to average assets | 2.0540% | 5,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8368% | 3,072 |
| Return on assets (ROA) | 0.8368% | 3,199 |
| Pretax return on assets | 1.3306% | 2,153 |
| Return on Equity (ROE) | 5.2645% | 4,395 |
| Retained earnings to average equity (ytd only) | 2.4038% | 4,491 |
| Net charge-offs to loans | -0.0033% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6866% | 5,004 |
| Assets per employee ($millions) | 4.3835% | 3,227 |
| Cash dividends to net income (ytd only)* | 54.3394% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1140% | 270 |
| Loan loss allowance to noncurrent loans | 135.6874% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 2,970 |
| Noncurrent loans to loans | 2.2950% | 1,077 |
| Net loans and leases to total assets | 35.6344% | 5,843 |
| Net loans and leases to deposits | 42.4409% | 5,815 |
| Net loans and leases to core deposits | 43.3210% | 5,859 |
| Total domestic deposits to total assets | 83.9625% | 3,835 |
| Equity capital to assets | 15.7022% | 592 |
| Core capital (leverage) ratio | 15.8063% | 489 |
| Tier 1 risk-based capital ratio | 25.7659% | 807 |
| Total risk-based capital ratio | 27.0238% | 791 |
| Memoranda: | ||
| Average total assets | $991,418,000 | 701 |
| Average earning assets | $943,071,500 | 679 |
| Average equity | $157,584,500 | 498 |
| Average total loans | $366,938,000 | 1,250 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3080% | 5,692 |
| Cost of funding earning assets | 0.2220% | 5,578 |
| Net interest margin | 3.0860% | 5,241 |
| Noninterest income to average assets | 0.5231% | 3,337 |
| Noninterest expense to average assets | 2.1699% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8170% | 3,293 |
| Return on assets (ROA) | 0.8435% | 3,247 |
| Pretax return on assets | 1.3218% | 2,170 |
| Return on Equity (ROE) | 5.2361% | 4,538 |
| Retained earnings to average equity (ytd only) | 2.6406% | 4,364 |
| Net charge-offs to loans | 0.0567% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 60.8719% | 784 |
| Efficiency ratio | 62.8885% | 4,771 |
| Assets per employee ($millions) | 4.2010% | 3,544 |
| Cash dividends to net income (ytd only)* | 49.5700% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1796% | 246 |
| Loan loss allowance to noncurrent loans | 131.3012% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 2,882 |
| Noncurrent loans to loans | 2.4216% | 1,067 |
| Net loans and leases to total assets | 36.0667% | 5,949 |
| Net loans and leases to deposits | 43.1546% | 5,919 |
| Net loans and leases to core deposits | 44.1387% | 5,952 |
| Total domestic deposits to total assets | 83.5755% | 3,893 |
| Equity capital to assets | 16.0941% | 524 |
| Core capital (leverage) ratio | 15.9362% | 474 |
| Tier 1 risk-based capital ratio | 25.5987% | 791 |
| Total risk-based capital ratio | 26.8571% | 779 |
| Memoranda: | ||
| Average total assets | $965,024,000 | 698 |
| Average earning assets | $915,399,000 | 670 |
| Average equity | $155,457,800 | 491 |
| Average total loans | $358,225,200 | 1,235 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2769% | 5,797 |
| Cost of funding earning assets | 0.2260% | 5,621 |
| Net interest margin | 3.0508% | 5,378 |
| Noninterest income to average assets | 0.5319% | 3,311 |
| Noninterest expense to average assets | 2.1316% | 5,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8262% | 3,307 |
| Return on assets (ROA) | 0.8590% | 3,222 |
| Pretax return on assets | 1.3438% | 2,222 |
| Return on Equity (ROE) | 5.3312% | 4,565 |
| Retained earnings to average equity (ytd only) | 2.7043% | 4,665 |
| Net charge-offs to loans | 0.0620% | 3,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 56.2163% | 904 |
| Efficiency ratio | 62.2522% | 4,851 |
| Assets per employee ($millions) | 4.1657% | 3,537 |
| Cash dividends to net income (ytd only)* | 49.2743% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1636% | 301 |
| Loan loss allowance to noncurrent loans | 155.6377% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.8614% | 3,263 |
| Noncurrent loans to loans | 2.0326% | 1,553 |
| Net loans and leases to total assets | 36.3671% | 6,016 |
| Net loans and leases to deposits | 43.4607% | 5,999 |
| Net loans and leases to core deposits | 44.5363% | 6,017 |
| Total domestic deposits to total assets | 83.6781% | 3,889 |
| Equity capital to assets | 16.0088% | 566 |
| Core capital (leverage) ratio | 16.0365% | 472 |
| Tier 1 risk-based capital ratio | 25.2670% | 858 |
| Total risk-based capital ratio | 26.5252% | 841 |
| Memoranda: | ||
| Average total assets | $962,619,500 | 698 |
| Average earning assets | $912,598,250 | 669 |
| Average equity | $155,107,250 | 488 |
| Average total loans | $357,015,250 | 1,245 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2565% | 5,865 |
| Cost of funding earning assets | 0.2310% | 5,653 |
| Net interest margin | 3.0255% | 5,453 |
| Noninterest income to average assets | 0.5227% | 3,316 |
| Noninterest expense to average assets | 2.1090% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8206% | 3,232 |
| Return on assets (ROA) | 0.8700% | 3,048 |
| Pretax return on assets | 1.3572% | 2,050 |
| Return on Equity (ROE) | 5.3878% | 4,491 |
| Retained earnings to average equity (ytd only) | 2.7042% | 4,481 |
| Net charge-offs to loans | 0.0531% | 3,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 65.2660% | 763 |
| Efficiency ratio | 62.2299% | 4,975 |
| Assets per employee ($millions) | 4.0226% | 3,792 |
| Cash dividends to net income (ytd only)* | 49.8082% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2132% | 300 |
| Loan loss allowance to noncurrent loans | 148.1816% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 3,121 |
| Noncurrent loans to loans | 2.1684% | 1,522 |
| Net loans and leases to total assets | 36.6634% | 6,024 |
| Net loans and leases to deposits | 43.9600% | 5,984 |
| Net loans and leases to core deposits | 45.0862% | 6,030 |
| Total domestic deposits to total assets | 83.4018% | 4,152 |
| Equity capital to assets | 16.2784% | 502 |
| Core capital (leverage) ratio | 16.1314% | 460 |
| Tier 1 risk-based capital ratio | 24.9403% | 877 |
| Total risk-based capital ratio | 26.1986% | 866 |
| Memoranda: | ||
| Average total assets | $958,571,000 | 700 |
| Average earning assets | $908,142,670 | 670 |
| Average equity | $154,793,670 | 485 |
| Average total loans | $353,995,330 | 1,240 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1761% | 6,041 |
| Cost of funding earning assets | 0.2367% | 5,699 |
| Net interest margin | 2.9394% | 5,671 |
| Noninterest income to average assets | 0.5246% | 3,232 |
| Noninterest expense to average assets | 2.1239% | 5,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7653% | 3,334 |
| Return on assets (ROA) | 0.8641% | 2,892 |
| Pretax return on assets | 1.3407% | 1,950 |
| Return on Equity (ROE) | 5.3725% | 4,350 |
| Retained earnings to average equity (ytd only) | 2.5255% | 4,551 |
| Net charge-offs to loans | 0.0561% | 2,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 58.0612% | 669 |
| Efficiency ratio | 64.1597% | 4,838 |
| Assets per employee ($millions) | 4.1226% | 3,674 |
| Cash dividends to net income (ytd only)* | 52.9923% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2555% | 344 |
| Loan loss allowance to noncurrent loans | 140.2974% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0745% | 3,106 |
| Noncurrent loans to loans | 2.3204% | 1,530 |
| Net loans and leases to total assets | 36.1900% | 6,060 |
| Net loans and leases to deposits | 43.3054% | 6,010 |
| Net loans and leases to core deposits | 44.4054% | 6,057 |
| Total domestic deposits to total assets | 83.5692% | 4,433 |
| Equity capital to assets | 16.1022% | 512 |
| Core capital (leverage) ratio | 16.0023% | 478 |
| Tier 1 risk-based capital ratio | 24.4498% | 942 |
| Total risk-based capital ratio | 25.7077% | 928 |
| Memoranda: | ||
| Average total assets | $959,172,500 | 708 |
| Average earning assets | $909,040,500 | 675 |
| Average equity | $154,268,500 | 488 |
| Average total loans | $349,664,500 | 1,254 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5580% | 5,513 |
| Cost of funding earning assets | 0.2671% | 5,853 |
| Net interest margin | 3.2910% | 4,695 |
| Noninterest income to average assets | 1.1258% | 1,110 |
| Noninterest expense to average assets | 2.4934% | 4,783 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1129% | 1,888 |
| Return on assets (ROA) | 1.1262% | 1,911 |
| Pretax return on assets | 1.7605% | 831 |
| Return on Equity (ROE) | 6.9802% | 3,565 |
| Retained earnings to average equity (ytd only) | 5.1028% | 2,522 |
| Net charge-offs to loans | 0.5608% | 1,173 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.4576% | 2,665 |
| Efficiency ratio | 58.9030% | 5,622 |
| Assets per employee ($millions) | 4.0074% | 3,849 |
| Cash dividends to net income (ytd only)* | 26.8958% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4550% | 303 |
| Loan loss allowance to noncurrent loans | 105.9338% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.3726% | 2,686 |
| Noncurrent loans to loans | 3.2615% | 1,024 |
| Net loans and leases to total assets | 34.2726% | 6,282 |
| Net loans and leases to deposits | 41.0330% | 6,269 |
| Net loans and leases to core deposits | 42.2197% | 6,298 |
| Total domestic deposits to total assets | 83.5244% | 4,353 |
| Equity capital to assets | 16.0648% | 517 |
| Core capital (leverage) ratio | 16.0246% | 467 |
| Tier 1 risk-based capital ratio | 24.2311% | 930 |
| Total risk-based capital ratio | 25.4890% | 918 |
| Memoranda: | ||
| Average total assets | $940,236,600 | 704 |
| Average earning assets | $887,767,200 | 673 |
| Average equity | $151,700,400 | 486 |
| Average total loans | $344,890,000 | 1,242 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6067% | 5,426 |
| Cost of funding earning assets | 0.2723% | 5,945 |
| Net interest margin | 3.3344% | 4,517 |
| Noninterest income to average assets | 0.8923% | 1,782 |
| Noninterest expense to average assets | 2.4492% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0268% | 2,270 |
| Return on assets (ROA) | 1.0268% | 2,354 |
| Pretax return on assets | 1.5888% | 1,361 |
| Return on Equity (ROE) | 6.3569% | 4,005 |
| Retained earnings to average equity (ytd only) | 4.6819% | 3,331 |
| Net charge-offs to loans | 0.7550% | 794 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.6898% | 3,126 |
| Efficiency ratio | 60.6534% | 5,338 |
| Assets per employee ($millions) | 3.9539% | 3,925 |
| Cash dividends to net income (ytd only)* | 26.3494% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3848% | 379 |
| Loan loss allowance to noncurrent loans | 57.3715% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 2.3966% | 1,625 |
| Noncurrent loans to loans | 5.8998% | 442 |
| Net loans and leases to total assets | 35.5529% | 6,299 |
| Net loans and leases to deposits | 42.5732% | 6,278 |
| Net loans and leases to core deposits | 43.8543% | 6,310 |
| Total domestic deposits to total assets | 83.5101% | 4,371 |
| Equity capital to assets | 16.1509% | 525 |
| Core capital (leverage) ratio | 15.9876% | 489 |
| Tier 1 risk-based capital ratio | 22.9802% | 1,151 |
| Total risk-based capital ratio | 24.2373% | 1,132 |
| Memoranda: | ||
| Average total assets | $935,852,750 | 711 |
| Average earning assets | $882,882,250 | 680 |
| Average equity | $151,159,500 | 492 |
| Average total loans | $346,112,500 | 1,231 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 5,228 |
| Cost of funding earning assets | 0.2759% | 6,016 |
| Net interest margin | 3.3977% | 4,194 |
| Noninterest income to average assets | 0.8365% | 2,039 |
| Noninterest expense to average assets | 2.4459% | 4,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0301% | 2,202 |
| Return on assets (ROA) | 1.0301% | 2,320 |
| Pretax return on assets | 1.5944% | 1,387 |
| Return on Equity (ROE) | 6.3771% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.1178% | 2,974 |
| Net charge-offs to loans | 1.1484% | 514 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.7479% | 3,313 |
| Efficiency ratio | 60.5373% | 5,398 |
| Assets per employee ($millions) | 3.8853% | 4,039 |
| Cash dividends to net income (ytd only)* | 19.7464% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3768% | 408 |
| Loan loss allowance to noncurrent loans | 44.0784% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.5021% | 1,100 |
| Noncurrent loans to loans | 7.6608% | 280 |
| Net loans and leases to total assets | 36.0349% | 6,299 |
| Net loans and leases to deposits | 43.1750% | 6,273 |
| Net loans and leases to core deposits | 44.5374% | 6,310 |
| Total domestic deposits to total assets | 83.4624% | 4,518 |
| Equity capital to assets | 16.1721% | 505 |
| Core capital (leverage) ratio | 16.0098% | 464 |
| Tier 1 risk-based capital ratio | 22.6119% | 1,194 |
| Total risk-based capital ratio | 23.8688% | 1,176 |
| Memoranda: | ||
| Average total assets | $934,127,330 | 713 |
| Average earning assets | $880,839,670 | 679 |
| Average equity | $150,884,330 | 493 |
| Average total loans | $346,055,330 | 1,222 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 5,066 |
| Cost of funding earning assets | 0.2823% | 6,093 |
| Net interest margin | 3.4453% | 3,933 |
| Noninterest income to average assets | 0.7138% | 2,519 |
| Noninterest expense to average assets | 2.3533% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0396% | 2,074 |
| Return on assets (ROA) | 1.0396% | 2,182 |
| Pretax return on assets | 1.6121% | 1,281 |
| Return on Equity (ROE) | 6.4401% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.4401% | 2,437 |
| Net charge-offs to loans | 2.0698% | 223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.1095% | 3,127 |
| Efficiency ratio | 59.3454% | 5,676 |
| Assets per employee ($millions) | 4.0195% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5183% | 412 |
| Loan loss allowance to noncurrent loans | 44.5122% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 3.4841% | 1,224 |
| Noncurrent loans to loans | 7.9040% | 336 |
| Net loans and leases to total assets | 34.8179% | 6,372 |
| Net loans and leases to deposits | 41.7299% | 6,336 |
| Net loans and leases to core deposits | 42.9272% | 6,370 |
| Total domestic deposits to total assets | 83.4364% | 4,695 |
| Equity capital to assets | 16.2358% | 522 |
| Core capital (leverage) ratio | 15.8199% | 477 |
| Tier 1 risk-based capital ratio | 22.0589% | 1,322 |
| Total risk-based capital ratio | 23.3167% | 1,288 |
| Memoranda: | ||
| Average total assets | $936,899,500 | 716 |
| Average earning assets | $884,218,000 | 686 |
| Average equity | $151,241,000 | 494 |
| Average total loans | $345,929,000 | 1,226 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 5,201 |
| Cost of funding earning assets | 0.4045% | 5,888 |
| Net interest margin | 3.6327% | 3,950 |
| Noninterest income to average assets | 0.6177% | 3,183 |
| Noninterest expense to average assets | 2.5182% | 5,037 |
| Loan and lease loss provision to assets | 0.0327% | 5,486 |
| Net operating income to assets | 0.9836% | 2,414 |
| Return on assets (ROA) | 0.9953% | 2,578 |
| Pretax return on assets | 1.5177% | 1,629 |
| Return on Equity (ROE) | 6.1137% | 4,106 |
| Retained earnings to average equity (ytd only) | 2.8545% | 4,230 |
| Net charge-offs to loans | 0.0416% | 5,337 |
| Credit loss provision to net charge-offs | 206.8966% | 1,233 |
| Earnings coverage of net charge-offs (x) | 96.9172% | 397 |
| Efficiency ratio | 62.1651% | 5,208 |
| Assets per employee ($millions) | 3.9380% | 4,063 |
| Cash dividends to net income (ytd only)* | 53.3092% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8660% | 316 |
| Loan loss allowance to noncurrent loans | 40.0556% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 3.7374% | 1,188 |
| Noncurrent loans to loans | 9.6516% | 254 |
| Net loans and leases to total assets | 36.2976% | 6,412 |
| Net loans and leases to deposits | 43.4166% | 6,402 |
| Net loans and leases to core deposits | 44.7502% | 6,431 |
| Total domestic deposits to total assets | 83.6030% | 4,497 |
| Equity capital to assets | 16.0497% | 548 |
| Core capital (leverage) ratio | 15.4630% | 512 |
| Tier 1 risk-based capital ratio | 21.0481% | 1,449 |
| Total risk-based capital ratio | 22.3084% | 1,421 |
| Memoranda: | ||
| Average total assets | $916,917,000 | 717 |
| Average earning assets | $866,542,200 | 692 |
| Average equity | $149,271,400 | 486 |
| Average total loans | $348,570,400 | 1,203 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 5,195 |
| Cost of funding earning assets | 0.4298% | 5,935 |
| Net interest margin | 3.6681% | 3,929 |
| Noninterest income to average assets | 0.5840% | 3,389 |
| Noninterest expense to average assets | 2.5162% | 5,026 |
| Loan and lease loss provision to assets | 0.0439% | 5,225 |
| Net operating income to assets | 0.9802% | 2,608 |
| Return on assets (ROA) | 0.9947% | 2,763 |
| Pretax return on assets | 1.5128% | 1,833 |
| Return on Equity (ROE) | 6.0882% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.5135% | 4,401 |
| Net charge-offs to loans | -0.1279% | 6,912 |
| Credit loss provision to net charge-offs | -90.0901% | 6,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1160% | 5,132 |
| Assets per employee ($millions) | 3.9615% | 3,948 |
| Cash dividends to net income (ytd only)* | 42.2901% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0803% | 285 |
| Loan loss allowance to noncurrent loans | 37.9618% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 4.2781% | 1,105 |
| Noncurrent loans to loans | 10.7484% | 214 |
| Net loans and leases to total assets | 35.7541% | 6,566 |
| Net loans and leases to deposits | 42.8652% | 6,560 |
| Net loans and leases to core deposits | 44.2204% | 6,588 |
| Total domestic deposits to total assets | 83.4107% | 4,475 |
| Equity capital to assets | 16.2602% | 562 |
| Core capital (leverage) ratio | 15.7763% | 509 |
| Tier 1 risk-based capital ratio | 21.4333% | 1,434 |
| Total risk-based capital ratio | 22.6950% | 1,404 |
| Memoranda: | ||
| Average total assets | $911,834,750 | 729 |
| Average earning assets | $861,785,250 | 696 |
| Average equity | $148,983,000 | 487 |
| Average total loans | $347,243,250 | 1,218 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 5,054 |
| Cost of funding earning assets | 0.4504% | 5,973 |
| Net interest margin | 3.7196% | 3,728 |
| Noninterest income to average assets | 0.5668% | 3,480 |
| Noninterest expense to average assets | 2.5538% | 4,945 |
| Loan and lease loss provision to assets | 0.0663% | 4,807 |
| Net operating income to assets | 0.9747% | 2,568 |
| Return on assets (ROA) | 0.9747% | 2,806 |
| Pretax return on assets | 1.4618% | 1,975 |
| Return on Equity (ROE) | 5.9560% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.3134% | 4,397 |
| Net charge-offs to loans | -0.4054% | 7,105 |
| Credit loss provision to net charge-offs | -42.6136% | 5,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5649% | 5,156 |
| Assets per employee ($millions) | 3.8768% | 4,133 |
| Cash dividends to net income (ytd only)* | 44.3689% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2367% | 292 |
| Loan loss allowance to noncurrent loans | 42.8172% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 4.0793% | 1,237 |
| Noncurrent loans to loans | 9.8948% | 277 |
| Net loans and leases to total assets | 36.2038% | 6,602 |
| Net loans and leases to deposits | 43.5419% | 6,577 |
| Net loans and leases to core deposits | 44.8925% | 6,625 |
| Total domestic deposits to total assets | 83.1470% | 4,697 |
| Equity capital to assets | 16.4655% | 509 |
| Core capital (leverage) ratio | 16.0210% | 457 |
| Tier 1 risk-based capital ratio | 21.1315% | 1,457 |
| Total risk-based capital ratio | 22.3937% | 1,427 |
| Memoranda: | ||
| Average total assets | $905,466,000 | 733 |
| Average earning assets | $855,677,330 | 704 |
| Average equity | $148,186,330 | 487 |
| Average total loans | $347,321,330 | 1,207 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 4,841 |
| Cost of funding earning assets | 0.4754% | 5,981 |
| Net interest margin | 3.7963% | 3,410 |
| Noninterest income to average assets | 0.5240% | 3,753 |
| Noninterest expense to average assets | 2.3979% | 5,476 |
| Loan and lease loss provision to assets | 0.1327% | 3,697 |
| Net operating income to assets | 1.0494% | 2,289 |
| Return on assets (ROA) | 1.0497% | 2,477 |
| Pretax return on assets | 1.5817% | 1,628 |
| Return on Equity (ROE) | 6.4338% | 4,076 |
| Retained earnings to average equity (ytd only) | 3.6207% | 4,406 |
| Net charge-offs to loans | 0.1476% | 3,211 |
| Credit loss provision to net charge-offs | 232.5581% | 1,209 |
| Earnings coverage of net charge-offs (x) | 30.0465% | 917 |
| Efficiency ratio | 58.3181% | 5,871 |
| Assets per employee ($millions) | 3.8959% | 4,207 |
| Cash dividends to net income (ytd only)* | 43.7237% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9423% | 386 |
| Loan loss allowance to noncurrent loans | 50.0512% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 3.4454% | 1,670 |
| Noncurrent loans to loans | 7.8765% | 497 |
| Net loans and leases to total assets | 36.9242% | 6,562 |
| Net loans and leases to deposits | 44.3531% | 6,537 |
| Net loans and leases to core deposits | 45.7586% | 6,584 |
| Total domestic deposits to total assets | 83.2505% | 4,834 |
| Equity capital to assets | 16.4268% | 510 |
| Core capital (leverage) ratio | 15.9982% | 461 |
| Tier 1 risk-based capital ratio | 21.2316% | 1,445 |
| Total risk-based capital ratio | 22.4922% | 1,414 |
| Memoranda: | ||
| Average total assets | $904,618,000 | 735 |
| Average earning assets | $854,937,000 | 701 |
| Average equity | $147,595,000 | 483 |
| Average total loans | $349,503,500 | 1,203 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4124% | 5,370 |
| Cost of funding earning assets | 0.6852% | 5,630 |
| Net interest margin | 3.7272% | 4,168 |
| Noninterest income to average assets | 0.5998% | 3,163 |
| Noninterest expense to average assets | 2.5655% | 5,224 |
| Loan and lease loss provision to assets | 0.2019% | 4,164 |
| Net operating income to assets | 0.9034% | 2,585 |
| Return on assets (ROA) | 0.9034% | 2,720 |
| Pretax return on assets | 1.3468% | 1,961 |
| Return on Equity (ROE) | 5.6270% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.0569% | 4,052 |
| Net charge-offs to loans | 1.0473% | 1,661 |
| Credit loss provision to net charge-offs | 45.5235% | 5,520 |
| Earnings coverage of net charge-offs (x) | 3.4922% | 3,498 |
| Efficiency ratio | 61.9405% | 5,473 |
| Assets per employee ($millions) | 3.8858% | 4,115 |
| Cash dividends to net income (ytd only)* | 45.6735% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8473% | 420 |
| Loan loss allowance to noncurrent loans | 46.9620% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 3.6852% | 1,595 |
| Noncurrent loans to loans | 8.1924% | 485 |
| Net loans and leases to total assets | 37.3371% | 6,675 |
| Net loans and leases to deposits | 44.7291% | 6,686 |
| Net loans and leases to core deposits | 46.2003% | 6,727 |
| Total domestic deposits to total assets | 83.4738% | 4,551 |
| Equity capital to assets | 16.2049% | 555 |
| Core capital (leverage) ratio | 15.6843% | 500 |
| Tier 1 risk-based capital ratio | 20.9305% | 1,427 |
| Total risk-based capital ratio | 22.1910% | 1,406 |
| Memoranda: | ||
| Average total assets | $891,599,800 | 735 |
| Average earning assets | $840,682,400 | 702 |
| Average equity | $143,149,800 | 487 |
| Average total loans | $377,537,800 | 1,125 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 5,297 |
| Cost of funding earning assets | 0.7374% | 5,543 |
| Net interest margin | 3.7464% | 4,125 |
| Noninterest income to average assets | 0.6234% | 3,038 |
| Noninterest expense to average assets | 2.5845% | 5,137 |
| Loan and lease loss provision to assets | 0.2252% | 3,758 |
| Net operating income to assets | 0.9258% | 2,646 |
| Return on assets (ROA) | 0.9258% | 2,791 |
| Pretax return on assets | 1.3449% | 2,134 |
| Return on Equity (ROE) | 5.7800% | 4,128 |
| Retained earnings to average equity (ytd only) | 3.1660% | 4,447 |
| Net charge-offs to loans | 1.1766% | 1,339 |
| Credit loss provision to net charge-offs | 44.2608% | 5,162 |
| Earnings coverage of net charge-offs (x) | 3.0862% | 3,590 |
| Efficiency ratio | 61.6549% | 5,466 |
| Assets per employee ($millions) | 3.8544% | 4,182 |
| Cash dividends to net income (ytd only)* | 45.2245% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7400% | 480 |
| Loan loss allowance to noncurrent loans | 32.3050% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 5.3147% | 1,069 |
| Noncurrent loans to loans | 11.5771% | 250 |
| Net loans and leases to total assets | 39.1874% | 6,697 |
| Net loans and leases to deposits | 46.8704% | 6,691 |
| Net loans and leases to core deposits | 48.4642% | 6,743 |
| Total domestic deposits to total assets | 83.6080% | 4,426 |
| Equity capital to assets | 16.0672% | 619 |
| Core capital (leverage) ratio | 15.6956% | 549 |
| Tier 1 risk-based capital ratio | 20.7264% | 1,516 |
| Total risk-based capital ratio | 21.9874% | 1,482 |
| Memoranda: | ||
| Average total assets | $888,154,250 | 743 |
| Average earning assets | $837,121,250 | 711 |
| Average equity | $142,258,250 | 498 |
| Average total loans | $384,030,000 | 1,127 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 5,167 |
| Cost of funding earning assets | 0.7855% | 5,475 |
| Net interest margin | 3.7650% | 3,963 |
| Noninterest income to average assets | 0.5071% | 3,805 |
| Noninterest expense to average assets | 2.6794% | 4,901 |
| Loan and lease loss provision to assets | 0.2720% | 3,217 |
| Net operating income to assets | 0.7893% | 3,120 |
| Return on assets (ROA) | 0.7893% | 3,243 |
| Pretax return on assets | 1.1067% | 2,824 |
| Return on Equity (ROE) | 4.9332% | 4,484 |
| Retained earnings to average equity (ytd only) | 2.2427% | 4,866 |
| Net charge-offs to loans | 1.1061% | 1,426 |
| Credit loss provision to net charge-offs | 55.7621% | 4,443 |
| Earnings coverage of net charge-offs (x) | 2.8262% | 3,433 |
| Efficiency ratio | 65.1715% | 5,032 |
| Assets per employee ($millions) | 3.7504% | 4,318 |
| Cash dividends to net income (ytd only)* | 54.5376% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8545% | 457 |
| Loan loss allowance to noncurrent loans | 29.8120% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 6.1359% | 909 |
| Noncurrent loans to loans | 12.9293% | 209 |
| Net loans and leases to total assets | 41.5063% | 6,628 |
| Net loans and leases to deposits | 49.7716% | 6,616 |
| Net loans and leases to core deposits | 51.5077% | 6,689 |
| Total domestic deposits to total assets | 83.3934% | 4,586 |
| Equity capital to assets | 16.2691% | 578 |
| Core capital (leverage) ratio | 15.7201% | 534 |
| Tier 1 risk-based capital ratio | 20.6083% | 1,493 |
| Total risk-based capital ratio | 21.8712% | 1,466 |
| Memoranda: | ||
| Average total assets | $882,278,000 | 754 |
| Average earning assets | $832,127,670 | 724 |
| Average equity | $141,166,330 | 504 |
| Average total loans | $389,125,330 | 1,121 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6305% | 4,818 |
| Cost of funding earning assets | 0.8084% | 5,533 |
| Net interest margin | 3.8221% | 3,502 |
| Noninterest income to average assets | 0.4868% | 3,997 |
| Noninterest expense to average assets | 2.7205% | 4,751 |
| Loan and lease loss provision to assets | 0.2725% | 2,974 |
| Net operating income to assets | 0.7847% | 3,105 |
| Return on assets (ROA) | 0.7847% | 3,175 |
| Pretax return on assets | 1.0944% | 2,778 |
| Return on Equity (ROE) | 4.9460% | 4,435 |
| Retained earnings to average equity (ytd only) | 2.0580% | 4,906 |
| Net charge-offs to loans | 1.9122% | 671 |
| Credit loss provision to net charge-offs | 31.9659% | 4,081 |
| Earnings coverage of net charge-offs (x) | 1.6036% | 3,513 |
| Efficiency ratio | 65.6149% | 5,100 |
| Assets per employee ($millions) | 3.7627% | 4,384 |
| Cash dividends to net income (ytd only)* | 58.3912% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7126% | 523 |
| Loan loss allowance to noncurrent loans | 30.9862% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 5.8747% | 1,003 |
| Noncurrent loans to loans | 11.9814% | 280 |
| Net loans and leases to total assets | 42.6079% | 6,569 |
| Net loans and leases to deposits | 50.9190% | 6,554 |
| Net loans and leases to core deposits | 52.7796% | 6,639 |
| Total domestic deposits to total assets | 83.6778% | 4,630 |
| Equity capital to assets | 15.9576% | 581 |
| Core capital (leverage) ratio | 15.5669% | 570 |
| Tier 1 risk-based capital ratio | 20.6906% | 1,451 |
| Total risk-based capital ratio | 21.9531% | 1,422 |
| Memoranda: | ||
| Average total assets | $880,866,000 | 760 |
| Average earning assets | $829,802,000 | 728 |
| Average equity | $139,750,500 | 503 |
| Average total loans | $392,637,500 | 1,119 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 4,339 |
| Cost of funding earning assets | 1.0487% | 5,436 |
| Net interest margin | 3.9971% | 3,032 |
| Noninterest income to average assets | 0.3025% | 5,635 |
| Noninterest expense to average assets | 2.6055% | 5,394 |
| Loan and lease loss provision to assets | 0.7114% | 2,303 |
| Net operating income to assets | 0.5639% | 3,832 |
| Return on assets (ROA) | 0.6704% | 3,487 |
| Pretax return on assets | 0.8804% | 3,376 |
| Return on Equity (ROE) | 4.2876% | 4,392 |
| Retained earnings to average equity (ytd only) | 1.5456% | 4,762 |
| Net charge-offs to loans | 0.6291% | 3,138 |
| Credit loss provision to net charge-offs | 246.5604% | 1,165 |
| Earnings coverage of net charge-offs (x) | 5.0315% | 2,731 |
| Efficiency ratio | 63.2791% | 5,466 |
| Assets per employee ($millions) | 3.8313% | 4,174 |
| Cash dividends to net income (ytd only)* | 63.9512% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9464% | 425 |
| Loan loss allowance to noncurrent loans | 30.8649% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 6.4146% | 887 |
| Noncurrent loans to loans | 12.7861% | 242 |
| Net loans and leases to total assets | 43.1226% | 6,777 |
| Net loans and leases to deposits | 51.4060% | 6,788 |
| Net loans and leases to core deposits | 53.7028% | 6,828 |
| Total domestic deposits to total assets | 83.8863% | 4,404 |
| Equity capital to assets | 15.7736% | 628 |
| Core capital (leverage) ratio | 15.3193% | 614 |
| Tier 1 risk-based capital ratio | 20.3556% | 1,425 |
| Total risk-based capital ratio | 21.6176% | 1,401 |
| Memoranda: | ||
| Average total assets | $891,771,600 | 752 |
| Average earning assets | $837,676,200 | 728 |
| Average equity | $139,426,200 | 492 |
| Average total loans | $408,971,600 | 1,103 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 4,114 |
| Cost of funding earning assets | 1.0975% | 5,431 |
| Net interest margin | 4.0443% | 2,888 |
| Noninterest income to average assets | 0.2225% | 6,313 |
| Noninterest expense to average assets | 2.5394% | 5,563 |
| Loan and lease loss provision to assets | 0.7826% | 1,948 |
| Net operating income to assets | 0.5335% | 4,174 |
| Return on assets (ROA) | 0.6747% | 3,687 |
| Pretax return on assets | 0.8833% | 3,615 |
| Return on Equity (ROE) | 4.3247% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.5190% | 5,192 |
| Net charge-offs to loans | 0.9640% | 2,072 |
| Credit loss provision to net charge-offs | 176.0913% | 2,090 |
| Earnings coverage of net charge-offs (x) | 3.3304% | 3,489 |
| Efficiency ratio | 62.2313% | 5,581 |
| Assets per employee ($millions) | 3.8224% | 4,213 |
| Cash dividends to net income (ytd only)* | 64.8750% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5369% | 525 |
| Loan loss allowance to noncurrent loans | 29.8095% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 6.0706% | 979 |
| Noncurrent loans to loans | 11.8649% | 298 |
| Net loans and leases to total assets | 43.2235% | 6,895 |
| Net loans and leases to deposits | 51.6192% | 6,905 |
| Net loans and leases to core deposits | 54.0721% | 6,952 |
| Total domestic deposits to total assets | 83.7354% | 4,255 |
| Equity capital to assets | 15.9364% | 692 |
| Core capital (leverage) ratio | 15.1823% | 682 |
| Tier 1 risk-based capital ratio | 20.7015% | 1,410 |
| Total risk-based capital ratio | 21.9630% | 1,387 |
| Memoranda: | ||
| Average total assets | $893,459,750 | 752 |
| Average earning assets | $838,826,500 | 719 |
| Average equity | $139,383,000 | 489 |
| Average total loans | $411,883,750 | 1,103 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2889% | 3,520 |
| Cost of funding earning assets | 1.1487% | 5,411 |
| Net interest margin | 4.1402% | 2,378 |
| Noninterest income to average assets | 0.3852% | 5,036 |
| Noninterest expense to average assets | 2.6296% | 5,207 |
| Loan and lease loss provision to assets | 1.2211% | 1,148 |
| Net operating income to assets | 0.3485% | 4,980 |
| Return on assets (ROA) | 0.5974% | 4,027 |
| Pretax return on assets | 0.7133% | 4,188 |
| Return on Equity (ROE) | 3.8547% | 4,842 |
| Retained earnings to average equity (ytd only) | 1.1401% | 5,301 |
| Net charge-offs to loans | 1.2266% | 1,558 |
| Credit loss provision to net charge-offs | 211.1869% | 1,841 |
| Earnings coverage of net charge-offs (x) | 2.8331% | 3,570 |
| Efficiency ratio | 60.5693% | 5,937 |
| Assets per employee ($millions) | 3.6688% | 4,553 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7036% | 472 |
| Loan loss allowance to noncurrent loans | 64.6700% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 3.4481% | 2,040 |
| Noncurrent loans to loans | 5.7270% | 1,135 |
| Net loans and leases to total assets | 45.2395% | 6,832 |
| Net loans and leases to deposits | 53.8391% | 6,874 |
| Net loans and leases to core deposits | 55.4383% | 6,972 |
| Total domestic deposits to total assets | 84.0272% | 4,096 |
| Equity capital to assets | 15.7186% | 721 |
| Core capital (leverage) ratio | 15.1385% | 697 |
| Tier 1 risk-based capital ratio | 20.2398% | 1,474 |
| Total risk-based capital ratio | 21.5032% | 1,442 |
| Memoranda: | ||
| Average total assets | $760,648,670 | 890 |
| Average earning assets | $713,299,000 | 864 |
| Average equity | $117,881,330 | 564 |
| Average total loans | $358,543,000 | 1,274 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3097% | 3,501 |
| Cost of funding earning assets | 1.1854% | 5,480 |
| Net interest margin | 4.1243% | 2,341 |
| Noninterest income to average assets | 0.4933% | 4,098 |
| Noninterest expense to average assets | 2.5098% | 5,691 |
| Loan and lease loss provision to assets | 0.3145% | 3,535 |
| Net operating income to assets | 1.0782% | 1,900 |
| Return on assets (ROA) | 1.0782% | 1,980 |
| Pretax return on assets | 1.5390% | 1,425 |
| Return on Equity (ROE) | 7.0071% | 3,333 |
| Retained earnings to average equity (ytd only) | 4.1116% | 3,682 |
| Net charge-offs to loans | 0.3109% | 3,176 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 12.6286% | 1,552 |
| Efficiency ratio | 56.4993% | 6,698 |
| Assets per employee ($millions) | 3.7066% | 4,561 |
| Cash dividends to net income (ytd only)* | 41.3223% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0797% | 767 |
| Loan loss allowance to noncurrent loans | 49.0960% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 3.6505% | 1,915 |
| Noncurrent loans to loans | 6.2728% | 1,020 |
| Net loans and leases to total assets | 45.6624% | 6,854 |
| Net loans and leases to deposits | 54.2169% | 6,902 |
| Net loans and leases to core deposits | 56.1518% | 6,989 |
| Total domestic deposits to total assets | 84.2217% | 4,036 |
| Equity capital to assets | 15.5914% | 749 |
| Core capital (leverage) ratio | 15.2096% | 709 |
| Tier 1 risk-based capital ratio | 20.3931% | 1,448 |
| Total risk-based capital ratio | 21.6520% | 1,409 |
| Memoranda: | ||
| Average total assets | $763,089,000 | 908 |
| Average earning assets | $716,054,500 | 881 |
| Average equity | $117,424,000 | 569 |
| Average total loans | $360,286,500 | 1,311 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6811% | 3,202 |
| Cost of funding earning assets | 1.5402% | 5,337 |
| Net interest margin | 4.1408% | 2,280 |
| Noninterest income to average assets | 0.4655% | 4,678 |
| Noninterest expense to average assets | 2.5040% | 6,112 |
| Loan and lease loss provision to assets | 0.6630% | 3,159 |
| Net operating income to assets | 0.8686% | 2,285 |
| Return on assets (ROA) | 1.0146% | 1,839 |
| Pretax return on assets | 1.3790% | 1,483 |
| Return on Equity (ROE) | 6.9333% | 2,814 |
| Retained earnings to average equity (ytd only) | 4.1245% | 2,329 |
| Net charge-offs to loans | 0.4409% | 4,036 |
| Credit loss provision to net charge-offs | 309.4059% | 1,067 |
| Earnings coverage of net charge-offs (x) | 8.6089% | 1,920 |
| Efficiency ratio | 56.5435% | 6,949 |
| Assets per employee ($millions) | 3.8126% | 4,261 |
| Cash dividends to net income (ytd only)* | 40.5123% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9524% | 806 |
| Loan loss allowance to noncurrent loans | 47.3045% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 3.5948% | 1,862 |
| Noncurrent loans to loans | 6.2413% | 985 |
| Net loans and leases to total assets | 45.9174% | 6,983 |
| Net loans and leases to deposits | 54.2502% | 7,037 |
| Net loans and leases to core deposits | 65.9163% | 6,988 |
| Total domestic deposits to total assets | 84.6399% | 3,733 |
| Equity capital to assets | 15.1863% | 875 |
| Core capital (leverage) ratio | 14.8529% | 815 |
| Tier 1 risk-based capital ratio | 20.2460% | 1,414 |
| Total risk-based capital ratio | 21.5044% | 1,379 |
| Memoranda: | ||
| Average total assets | $754,167,200 | 908 |
| Average earning assets | $707,225,600 | 884 |
| Average equity | $110,365,800 | 594 |
| Average total loans | $366,538,000 | 1,310 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7619% | 3,052 |
| Cost of funding earning assets | 1.6027% | 5,390 |
| Net interest margin | 4.1592% | 2,182 |
| Noninterest income to average assets | 0.4720% | 4,735 |
| Noninterest expense to average assets | 2.5068% | 6,049 |
| Loan and lease loss provision to assets | 0.6035% | 2,976 |
| Net operating income to assets | 0.9461% | 2,247 |
| Return on assets (ROA) | 0.9616% | 2,251 |
| Pretax return on assets | 1.2823% | 2,001 |
| Return on Equity (ROE) | 6.6345% | 3,245 |
| Retained earnings to average equity (ytd only) | 3.7563% | 3,185 |
| Net charge-offs to loans | 0.3374% | 3,952 |
| Credit loss provision to net charge-offs | 365.5914% | 1,111 |
| Earnings coverage of net charge-offs (x) | 11.2989% | 1,867 |
| Efficiency ratio | 56.3013% | 6,957 |
| Assets per employee ($millions) | 3.7723% | 4,250 |
| Cash dividends to net income (ytd only)* | 43.3820% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7120% | 868 |
| Loan loss allowance to noncurrent loans | 47.3773% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 3.4848% | 1,913 |
| Noncurrent loans to loans | 5.7243% | 1,071 |
| Net loans and leases to total assets | 45.8658% | 7,120 |
| Net loans and leases to deposits | 54.1635% | 7,201 |
| Net loans and leases to core deposits | 66.4213% | 7,142 |
| Total domestic deposits to total assets | 84.6803% | 3,387 |
| Equity capital to assets | 15.0982% | 977 |
| Core capital (leverage) ratio | 14.6819% | 919 |
| Tier 1 risk-based capital ratio | 19.7237% | 1,609 |
| Total risk-based capital ratio | 20.9796% | 1,567 |
| Memoranda: | ||
| Average total assets | $751,126,250 | 920 |
| Average earning assets | $704,312,750 | 899 |
| Average equity | $108,863,000 | 610 |
| Average total loans | $367,526,500 | 1,329 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8358% | 2,872 |
| Cost of funding earning assets | 1.6662% | 5,443 |
| Net interest margin | 4.1697% | 2,097 |
| Noninterest income to average assets | 0.4653% | 4,745 |
| Noninterest expense to average assets | 2.5292% | 6,020 |
| Loan and lease loss provision to assets | 0.7504% | 2,186 |
| Net operating income to assets | 0.8391% | 2,702 |
| Return on assets (ROA) | 0.9035% | 2,541 |
| Pretax return on assets | 1.1768% | 2,368 |
| Return on Equity (ROE) | 6.3239% | 3,512 |
| Retained earnings to average equity (ytd only) | 3.3224% | 3,479 |
| Net charge-offs to loans | 0.0655% | 5,582 |
| Credit loss provision to net charge-offs | 2,314.0496% | 230 |
| Earnings coverage of net charge-offs (x) | 56.8512% | 626 |
| Efficiency ratio | 56.7970% | 7,015 |
| Assets per employee ($millions) | 3.8053% | 4,085 |
| Cash dividends to net income (ytd only)* | 47.4637% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7274% | 725 |
| Loan loss allowance to noncurrent loans | 40.2091% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 3.6463% | 1,693 |
| Noncurrent loans to loans | 6.7831% | 742 |
| Net loans and leases to total assets | 47.3353% | 7,090 |
| Net loans and leases to deposits | 55.6624% | 7,184 |
| Net loans and leases to core deposits | 68.5595% | 7,097 |
| Total domestic deposits to total assets | 85.0401% | 3,242 |
| Equity capital to assets | 14.6938% | 1,108 |
| Core capital (leverage) ratio | 14.6270% | 995 |
| Tier 1 risk-based capital ratio | 18.0634% | 2,004 |
| Total risk-based capital ratio | 19.3182% | 1,940 |
| Memoranda: | ||
| Average total assets | $746,239,670 | 941 |
| Average earning assets | $699,333,670 | 918 |
| Average equity | $106,610,670 | 632 |
| Average total loans | $369,693,670 | 1,344 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8733% | 2,920 |
| Cost of funding earning assets | 1.7572% | 5,324 |
| Net interest margin | 4.1161% | 2,223 |
| Noninterest income to average assets | 0.4713% | 4,580 |
| Noninterest expense to average assets | 2.4771% | 5,928 |
| Loan and lease loss provision to assets | 0.5925% | 2,125 |
| Net operating income to assets | 0.9507% | 2,512 |
| Return on assets (ROA) | 0.9507% | 2,640 |
| Pretax return on assets | 1.2523% | 2,445 |
| Return on Equity (ROE) | 6.7520% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.5003% | 3,949 |
| Net charge-offs to loans | 0.3394% | 2,728 |
| Credit loss provision to net charge-offs | 349.2063% | 1,443 |
| Earnings coverage of net charge-offs (x) | 10.8730% | 1,908 |
| Efficiency ratio | 56.2562% | 6,938 |
| Assets per employee ($millions) | 3.8126% | 4,062 |
| Cash dividends to net income (ytd only)* | 48.1586% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2057% | 1,076 |
| Loan loss allowance to noncurrent loans | 40.2203% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 3.0012% | 1,881 |
| Noncurrent loans to loans | 5.4840% | 936 |
| Net loans and leases to total assets | 48.0943% | 7,016 |
| Net loans and leases to deposits | 55.9921% | 7,161 |
| Net loans and leases to core deposits | 68.3445% | 7,118 |
| Total domestic deposits to total assets | 85.8949% | 2,775 |
| Equity capital to assets | 13.8793% | 1,398 |
| Core capital (leverage) ratio | 14.6676% | 1,042 |
| Tier 1 risk-based capital ratio | 18.0682% | 2,037 |
| Total risk-based capital ratio | 19.3193% | 1,983 |
| Memoranda: | ||
| Average total assets | $742,636,500 | 944 |
| Average earning assets | $694,732,500 | 920 |
| Average equity | $104,561,000 | 638 |
| Average total loans | $371,217,500 | 1,357 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8869% | 6,101 |
| Cost of funding earning assets | 2.3848% | 4,786 |
| Net interest margin | 3.5021% | 5,289 |
| Noninterest income to average assets | 0.5346% | 4,365 |
| Noninterest expense to average assets | 2.1431% | 7,130 |
| Loan and lease loss provision to assets | 0.7585% | 1,969 |
| Net operating income to assets | 0.8827% | 3,079 |
| Return on assets (ROA) | -0.3501% | 6,646 |
| Pretax return on assets | -1.0281% | 7,011 |
| Return on Equity (ROE) | -2.3607% | 6,550 |
| Retained earnings to average equity (ytd only) | -5.1917% | 6,540 |
| Net charge-offs to loans | 1.8932% | 581 |
| Credit loss provision to net charge-offs | 77.7238% | 5,944 |
| Earnings coverage of net charge-offs (x) | 1.6976% | 5,229 |
| Efficiency ratio | 55.1900% | 7,126 |
| Assets per employee ($millions) | 3.7462% | 4,067 |
| Cash dividends to net income (ytd only)* | -119.9226% | 8,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9526% | 1,316 |
| Loan loss allowance to noncurrent loans | 48.3362% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 2.1496% | 2,285 |
| Noncurrent loans to loans | 4.0397% | 1,214 |
| Net loans and leases to total assets | 49.8119% | 7,047 |
| Net loans and leases to deposits | 58.2794% | 7,192 |
| Net loans and leases to core deposits | 71.4107% | 7,112 |
| Total domestic deposits to total assets | 85.4709% | 2,641 |
| Equity capital to assets | 14.2826% | 1,357 |
| Core capital (leverage) ratio | 14.4625% | 1,150 |
| Tier 1 risk-based capital ratio | 18.5966% | 1,896 |
| Total risk-based capital ratio | 19.8466% | 1,846 |
| Memoranda: | ||
| Average total assets | $738,327,400 | 909 |
| Average earning assets | $688,355,000 | 889 |
| Average equity | $109,501,400 | 617 |
| Average total loans | $380,579,000 | 1,275 |