Home > Scale Bank > Performance and Condition Ratios
Scale Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0143% | 332 |
| Cost of funding earning assets | 1.2381% | 3,697 |
| Net interest margin | 5.7762% | 114 |
| Noninterest income to average assets | 0.4600% | 1,914 |
| Noninterest expense to average assets | 3.8697% | 411 |
| Loan and lease loss provision to assets | 0.2000% | 589 |
| Net operating income to assets | 1.6746% | 780 |
| Return on assets (ROA) | 1.6860% | 765 |
| Pretax return on assets | 1.6860% | 1,132 |
| Return on Equity (ROE) | 8.1900% | 2,815 |
| Retained earnings to average equity (ytd only) | 5.7811% | 2,342 |
| Net charge-offs to loans | -0.0033% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 65.0687% | 2,355 |
| Assets per employee ($millions) | 6.0934% | 2,868 |
| Cash dividends to net income (ytd only)* | 29.4329% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 2,659 |
| Loan loss allowance to noncurrent loans | 376.4045% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 2,484 |
| Noncurrent loans to loans | 0.2948% | 2,437 |
| Net loans and leases to total assets | 68.3600% | 2,036 |
| Net loans and leases to deposits | 88.1682% | 1,288 |
| Net loans and leases to core deposits | 88.9512% | 2,119 |
| Total domestic deposits to total assets | 77.5300% | 3,867 |
| Equity capital to assets | 20.8994% | 257 |
| Core capital (leverage) ratio | 16.0492% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $527,177,500 | 1,722 |
| Average earning assets | $482,674,000 | 1,731 |
| Average equity | $108,491,000 | 977 |
| Average total loans | $364,358,500 | 1,665 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5031% | 238 |
| Cost of funding earning assets | 1.5481% | 3,269 |
| Net interest margin | 5.9551% | 113 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 3.6527% | 494 |
| Loan and lease loss provision to assets | 0.7100% | 126 |
| Net operating income to assets | 1.5131% | 886 |
| Return on assets (ROA) | 1.5112% | 888 |
| Pretax return on assets | 1.5112% | 1,254 |
| Return on Equity (ROE) | 7.5000% | 2,898 |
| Retained earnings to average equity (ytd only) | 0.9520% | 3,693 |
| Net charge-offs to loans | 0.9118% | 170 |
| Credit loss provision to net charge-offs | 109.8249% | 1,764 |
| Earnings coverage of net charge-offs (x) | 3.5346% | 2,740 |
| Efficiency ratio | 60.1111% | 3,151 |
| Assets per employee ($millions) | 5.8924% | 2,960 |
| Cash dividends to net income (ytd only)* | 87.3028% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,114 |
| Loan loss allowance to noncurrent loans | 1,128.7009% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 3,227 |
| Noncurrent loans to loans | 0.0903% | 3,188 |
| Net loans and leases to total assets | 68.4000% | 2,093 |
| Net loans and leases to deposits | 87.6449% | 1,432 |
| Net loans and leases to core deposits | 88.4994% | 2,220 |
| Total domestic deposits to total assets | 78.0400% | 3,771 |
| Equity capital to assets | 20.2636% | 267 |
| Core capital (leverage) ratio | 14.8543% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $536,783,200 | 1,688 |
| Average earning assets | $489,903,400 | 1,699 |
| Average equity | $108,195,400 | 951 |
| Average total loans | $369,477,000 | 1,623 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3866% | 264 |
| Cost of funding earning assets | 1.5666% | 3,235 |
| Net interest margin | 5.8200% | 132 |
| Noninterest income to average assets | 0.4300% | 2,252 |
| Noninterest expense to average assets | 3.6535% | 485 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 2.0000% | 431 |
| Return on assets (ROA) | 2.0047% | 431 |
| Pretax return on assets | 2.0047% | 635 |
| Return on Equity (ROE) | 9.9600% | 2,213 |
| Retained earnings to average equity (ytd only) | 5.9001% | 2,120 |
| Net charge-offs to loans | -0.0443% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 61.5873% | 2,989 |
| Assets per employee ($millions) | 6.1311% | 2,767 |
| Cash dividends to net income (ytd only)* | 40.7536% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,530 |
| Loan loss allowance to noncurrent loans | 1,985.7143% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 3,500 |
| Noncurrent loans to loans | 0.0473% | 3,468 |
| Net loans and leases to total assets | 72.5800% | 1,534 |
| Net loans and leases to deposits | 93.1329% | 944 |
| Net loans and leases to core deposits | 93.9061% | 1,884 |
| Total domestic deposits to total assets | 77.9300% | 3,736 |
| Equity capital to assets | 20.4593% | 259 |
| Core capital (leverage) ratio | 16.3836% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $538,399,000 | 1,675 |
| Average earning assets | $490,550,750 | 1,695 |
| Average equity | $108,378,750 | 943 |
| Average total loans | $370,226,250 | 1,618 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3334% | 265 |
| Cost of funding earning assets | 1.5929% | 3,090 |
| Net interest margin | 5.7405% | 151 |
| Noninterest income to average assets | 0.4300% | 2,205 |
| Noninterest expense to average assets | 3.5808% | 517 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 2.0064% | 430 |
| Return on assets (ROA) | 2.0016% | 431 |
| Pretax return on assets | 2.0016% | 638 |
| Return on Equity (ROE) | 10.0000% | 2,187 |
| Retained earnings to average equity (ytd only) | 6.0657% | 1,982 |
| Net charge-offs to loans | -0.0827% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 60.8513% | 3,126 |
| Assets per employee ($millions) | 5.5912% | 3,140 |
| Cash dividends to net income (ytd only)* | 39.3363% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 3,613 |
| Loan loss allowance to noncurrent loans | 4,840.7895% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,642 |
| Noncurrent loans to loans | 0.0190% | 3,645 |
| Net loans and leases to total assets | 78.5900% | 839 |
| Net loans and leases to deposits | 102.4799% | 428 |
| Net loans and leases to core deposits | 103.2038% | 1,293 |
| Total domestic deposits to total assets | 76.6900% | 3,834 |
| Equity capital to assets | 21.6711% | 236 |
| Core capital (leverage) ratio | 16.2652% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $535,976,000 | 1,680 |
| Average earning assets | $489,925,667 | 1,694 |
| Average equity | $107,291,667 | 945 |
| Average total loans | $360,373,333 | 1,641 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9500% | 355 |
| Cost of funding earning assets | 1.5971% | 2,990 |
| Net interest margin | 5.3529% | 218 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 3.4311% | 613 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 1.6974% | 668 |
| Return on assets (ROA) | 1.6924% | 677 |
| Pretax return on assets | 1.6924% | 965 |
| Return on Equity (ROE) | 8.7800% | 2,457 |
| Retained earnings to average equity (ytd only) | 5.6272% | 2,222 |
| Net charge-offs to loans | -0.0434% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.4383% | 2,878 |
| Assets per employee ($millions) | 7.0151% | 2,072 |
| Cash dividends to net income (ytd only)* | 35.9435% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 3,439 |
| Loan loss allowance to noncurrent loans | 2,280.9211% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,538 |
| Noncurrent loans to loans | 0.0425% | 3,457 |
| Net loans and leases to total assets | 65.5300% | 2,294 |
| Net loans and leases to deposits | 83.1028% | 1,791 |
| Net loans and leases to core deposits | 83.6477% | 2,470 |
| Total domestic deposits to total assets | 78.8600% | 3,695 |
| Equity capital to assets | 19.8249% | 290 |
| Core capital (leverage) ratio | 15.2300% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $552,361,500 | 1,649 |
| Average earning assets | $506,414,000 | 1,657 |
| Average equity | $106,412,500 | 951 |
| Average total loans | $340,984,000 | 1,698 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7307% | 284 |
| Cost of funding earning assets | 1.3618% | 2,327 |
| Net interest margin | 5.3689% | 216 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 3.2117% | 822 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 2.0391% | 446 |
| Return on assets (ROA) | 2.0406% | 427 |
| Pretax return on assets | 2.0406% | 628 |
| Return on Equity (ROE) | 11.3500% | 2,135 |
| Retained earnings to average equity (ytd only) | 3.2648% | 3,201 |
| Net charge-offs to loans | -0.0511% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.4704% | 3,142 |
| Assets per employee ($millions) | 7.1464% | 1,978 |
| Cash dividends to net income (ytd only)* | 71.2287% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 3,073 |
| Loan loss allowance to noncurrent loans | 337.4628% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 2,341 |
| Noncurrent loans to loans | 0.3109% | 2,078 |
| Net loans and leases to total assets | 56.8800% | 3,130 |
| Net loans and leases to deposits | 71.3050% | 2,800 |
| Net loans and leases to core deposits | 71.9365% | 3,198 |
| Total domestic deposits to total assets | 79.7700% | 3,498 |
| Equity capital to assets | 18.7293% | 320 |
| Core capital (leverage) ratio | 14.3227% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $581,491,000 | 1,520 |
| Average earning assets | $533,122,800 | 1,542 |
| Average equity | $104,571,200 | 915 |
| Average total loans | $340,613,800 | 1,645 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6309% | 271 |
| Cost of funding earning assets | 1.2734% | 2,217 |
| Net interest margin | 5.3575% | 211 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.1555% | 865 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | 2.1074% | 432 |
| Return on assets (ROA) | 2.1006% | 427 |
| Pretax return on assets | 2.1006% | 654 |
| Return on Equity (ROE) | 11.8000% | 2,178 |
| Retained earnings to average equity (ytd only) | 6.5336% | 2,448 |
| Net charge-offs to loans | -0.0956% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.5268% | 3,141 |
| Assets per employee ($millions) | 6.9638% | 1,977 |
| Cash dividends to net income (ytd only)* | 44.6251% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,214 |
| Loan loss allowance to noncurrent loans | 350.5584% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 2,403 |
| Noncurrent loans to loans | 0.2934% | 2,183 |
| Net loans and leases to total assets | 59.6500% | 2,882 |
| Net loans and leases to deposits | 75.0003% | 2,494 |
| Net loans and leases to core deposits | 76.1118% | 2,856 |
| Total domestic deposits to total assets | 79.5300% | 3,598 |
| Equity capital to assets | 19.0905% | 310 |
| Core capital (leverage) ratio | 14.8107% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $585,722,750 | 1,520 |
| Average earning assets | $536,829,250 | 1,533 |
| Average equity | $104,279,250 | 915 |
| Average total loans | $344,635,250 | 1,628 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4763% | 267 |
| Cost of funding earning assets | 1.1765% | 2,058 |
| Net interest margin | 5.2998% | 212 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 3.0558% | 961 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 2.1933% | 359 |
| Return on assets (ROA) | 2.1923% | 351 |
| Pretax return on assets | 2.1923% | 542 |
| Return on Equity (ROE) | 12.6000% | 1,986 |
| Retained earnings to average equity (ytd only) | 7.4932% | 2,129 |
| Net charge-offs to loans | -0.1427% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.0954% | 3,288 |
| Assets per employee ($millions) | 7.0972% | 1,853 |
| Cash dividends to net income (ytd only)* | 40.5211% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,438 |
| Loan loss allowance to noncurrent loans | 1,049.8480% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 3,180 |
| Noncurrent loans to loans | 0.0949% | 3,026 |
| Net loans and leases to total assets | 61.2500% | 2,645 |
| Net loans and leases to deposits | 76.6616% | 2,244 |
| Net loans and leases to core deposits | 77.8784% | 2,624 |
| Total domestic deposits to total assets | 79.8900% | 3,594 |
| Equity capital to assets | 18.7999% | 312 |
| Core capital (leverage) ratio | 14.4543% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $595,262,000 | 1,485 |
| Average earning assets | $546,886,667 | 1,508 |
| Average equity | $103,587,667 | 913 |
| Average total loans | $347,599,667 | 1,608 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 442 |
| Cost of funding earning assets | 0.2925% | 2,943 |
| Net interest margin | 4.4946% | 295 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.7612% | 1,414 |
| Loan and lease loss provision to assets | -0.1700% | 4,611 |
| Net operating income to assets | 1.8605% | 379 |
| Return on assets (ROA) | 1.8431% | 378 |
| Pretax return on assets | 1.8431% | 656 |
| Return on Equity (ROE) | 10.6200% | 2,604 |
| Retained earnings to average equity (ytd only) | -8.7507% | 4,619 |
| Net charge-offs to loans | -0.0574% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.6176% | 3,109 |
| Assets per employee ($millions) | 8.3085% | 1,187 |
| Cash dividends to net income (ytd only)* | 182.3726% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 2,418 |
| Loan loss allowance to noncurrent loans | 1,265.2308% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,309 |
| Noncurrent loans to loans | 0.0944% | 3,088 |
| Net loans and leases to total assets | 51.8300% | 3,374 |
| Net loans and leases to deposits | 62.1726% | 3,183 |
| Net loans and leases to core deposits | 62.8283% | 3,341 |
| Total domestic deposits to total assets | 83.3700% | 3,341 |
| Equity capital to assets | 15.3546% | 442 |
| Core capital (leverage) ratio | 11.6773% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $631,601,200 | 1,418 |
| Average earning assets | $584,584,000 | 1,418 |
| Average equity | $109,579,200 | 888 |
| Average total loans | $379,696,000 | 1,458 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 584 |
| Cost of funding earning assets | 0.1553% | 3,792 |
| Net interest margin | 4.2447% | 381 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.7182% | 1,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5147% | 823 |
| Return on assets (ROA) | 1.4902% | 857 |
| Pretax return on assets | 1.4902% | 1,439 |
| Return on Equity (ROE) | 8.3400% | 3,221 |
| Retained earnings to average equity (ytd only) | 1.3407% | 4,168 |
| Net charge-offs to loans | 0.1537% | 424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 15.8594% | 1,832 |
| Efficiency ratio | 61.7074% | 2,864 |
| Assets per employee ($millions) | 8.0709% | 1,290 |
| Cash dividends to net income (ytd only)* | 83.9199% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 2,433 |
| Loan loss allowance to noncurrent loans | 2,583.9080% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,662 |
| Noncurrent loans to loans | 0.0471% | 3,541 |
| Net loans and leases to total assets | 56.4600% | 2,858 |
| Net loans and leases to deposits | 68.9807% | 2,456 |
| Net loans and leases to core deposits | 69.1719% | 2,707 |
| Total domestic deposits to total assets | 81.8500% | 3,858 |
| Equity capital to assets | 17.3130% | 301 |
| Core capital (leverage) ratio | 13.7114% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $625,408,750 | 1,437 |
| Average earning assets | $579,405,250 | 1,434 |
| Average equity | $111,778,250 | 889 |
| Average total loans | $388,540,250 | 1,419 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 812 |
| Cost of funding earning assets | 0.0653% | 4,491 |
| Net interest margin | 4.0122% | 482 |
| Noninterest income to average assets | 0.3304% | 3,183 |
| Noninterest expense to average assets | 2.7256% | 1,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3216% | 1,088 |
| Return on assets (ROA) | 1.2967% | 1,126 |
| Pretax return on assets | 1.2967% | 1,762 |
| Return on Equity (ROE) | 7.1769% | 3,259 |
| Retained earnings to average equity (ytd only) | -0.7104% | 4,265 |
| Net charge-offs to loans | 0.5098% | 128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.0596% | 1,971 |
| Efficiency ratio | 64.6937% | 2,680 |
| Assets per employee ($millions) | 7.7494% | 1,448 |
| Cash dividends to net income (ytd only)* | 109.8978% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,506 |
| Loan loss allowance to noncurrent loans | 15,748.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,016 |
| Noncurrent loans to loans | 0.0065% | 3,948 |
| Net loans and leases to total assets | 61.5223% | 2,169 |
| Net loans and leases to deposits | 75.6914% | 1,707 |
| Net loans and leases to core deposits | 75.9112% | 2,025 |
| Total domestic deposits to total assets | 81.2805% | 4,093 |
| Equity capital to assets | 17.9616% | 229 |
| Core capital (leverage) ratio | 14.9666% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $618,653,333 | 1,458 |
| Average earning assets | $573,103,667 | 1,462 |
| Average equity | $111,775,667 | 892 |
| Average total loans | $395,040,000 | 1,396 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 745 |
| Cost of funding earning assets | 0.0564% | 4,555 |
| Net interest margin | 3.9626% | 442 |
| Noninterest income to average assets | 0.2252% | 3,810 |
| Noninterest expense to average assets | 2.5657% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3430% | 917 |
| Return on assets (ROA) | 1.3133% | 963 |
| Pretax return on assets | 1.3133% | 1,466 |
| Return on Equity (ROE) | 7.2473% | 2,956 |
| Retained earnings to average equity (ytd only) | -5.3685% | 4,431 |
| Net charge-offs to loans | -0.0170% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8912% | 3,159 |
| Assets per employee ($millions) | 7.2933% | 1,802 |
| Cash dividends to net income (ytd only)* | 174.0759% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 2,070 |
| Loan loss allowance to noncurrent loans | 11,537.2093% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,007 |
| Noncurrent loans to loans | 0.0118% | 3,933 |
| Net loans and leases to total assets | 62.4234% | 1,802 |
| Net loans and leases to deposits | 78.0042% | 1,287 |
| Net loans and leases to core deposits | 78.2518% | 1,594 |
| Total domestic deposits to total assets | 80.0257% | 4,292 |
| Equity capital to assets | 19.2247% | 187 |
| Core capital (leverage) ratio | 13.8115% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $618,004,500 | 1,464 |
| Average earning assets | $574,473,000 | 1,461 |
| Average equity | $111,987,000 | 916 |
| Average total loans | $399,887,500 | 1,368 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 604 |
| Cost of funding earning assets | 0.0747% | 4,560 |
| Net interest margin | 4.4230% | 315 |
| Noninterest income to average assets | 0.1762% | 4,276 |
| Noninterest expense to average assets | 2.4399% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8873% | 421 |
| Return on assets (ROA) | 1.8833% | 453 |
| Pretax return on assets | 1.8833% | 755 |
| Return on Equity (ROE) | 12.5051% | 1,644 |
| Retained earnings to average equity (ytd only) | 9.7063% | 994 |
| Net charge-offs to loans | -0.0171% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2795% | 3,905 |
| Assets per employee ($millions) | 7.8552% | 1,413 |
| Cash dividends to net income (ytd only)* | 22.3812% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 3,189 |
| Loan loss allowance to noncurrent loans | 49,440.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,188 |
| Noncurrent loans to loans | 0.0023% | 4,110 |
| Net loans and leases to total assets | 65.1985% | 1,562 |
| Net loans and leases to deposits | 79.4845% | 1,256 |
| Net loans and leases to core deposits | 79.6990% | 1,621 |
| Total domestic deposits to total assets | 82.0267% | 3,962 |
| Equity capital to assets | 17.1568% | 293 |
| Core capital (leverage) ratio | 12.9914% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $727,398,600 | 1,250 |
| Average earning assets | $682,659,400 | 1,244 |
| Average equity | $109,547,400 | 943 |
| Average total loans | $572,253,400 | 1,054 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 665 |
| Cost of funding earning assets | 0.0787% | 4,637 |
| Net interest margin | 4.4284% | 359 |
| Noninterest income to average assets | 0.1639% | 4,382 |
| Noninterest expense to average assets | 2.3078% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0167% | 445 |
| Return on assets (ROA) | 2.0133% | 471 |
| Pretax return on assets | 2.0133% | 779 |
| Return on Equity (ROE) | 13.7942% | 1,454 |
| Retained earnings to average equity (ytd only) | 11.9532% | 846 |
| Net charge-offs to loans | 0.1521% | 547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 16.2688% | 1,840 |
| Efficiency ratio | 51.3028% | 4,097 |
| Assets per employee ($millions) | 7.8274% | 1,359 |
| Cash dividends to net income (ytd only)* | 13.3464% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 4,271 |
| Loan loss allowance to noncurrent loans | 27,693.3333% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,264 |
| Noncurrent loans to loans | 0.0031% | 4,199 |
| Net loans and leases to total assets | 74.4310% | 658 |
| Net loans and leases to deposits | 90.9233% | 549 |
| Net loans and leases to core deposits | 91.3451% | 960 |
| Total domestic deposits to total assets | 81.8613% | 3,950 |
| Equity capital to assets | 17.3263% | 315 |
| Core capital (leverage) ratio | 12.8666% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $744,288,500 | 1,246 |
| Average earning assets | $699,294,500 | 1,234 |
| Average equity | $108,632,500 | 961 |
| Average total loans | $606,529,500 | 1,019 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4453% | 794 |
| Cost of funding earning assets | 0.0870% | 4,655 |
| Net interest margin | 4.3584% | 446 |
| Noninterest income to average assets | 0.1529% | 4,434 |
| Noninterest expense to average assets | 2.1814% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0791% | 420 |
| Return on assets (ROA) | 2.0752% | 445 |
| Pretax return on assets | 2.0752% | 713 |
| Return on Equity (ROE) | 15.0016% | 1,156 |
| Retained earnings to average equity (ytd only) | 15.0016% | 429 |
| Net charge-offs to loans | -0.0235% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1922% | 4,305 |
| Assets per employee ($millions) | 8.0308% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 4,230 |
| Loan loss allowance to noncurrent loans | 30,768.7500% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,315 |
| Noncurrent loans to loans | 0.0028% | 4,255 |
| Net loans and leases to total assets | 82.9150% | 174 |
| Net loans and leases to deposits | 106.9297% | 147 |
| Net loans and leases to core deposits | 113.7769% | 288 |
| Total domestic deposits to total assets | 77.5416% | 4,471 |
| Equity capital to assets | 16.4528% | 378 |
| Core capital (leverage) ratio | 12.1670% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $775,825,333 | 1,191 |
| Average earning assets | $731,192,000 | 1,182 |
| Average equity | $107,321,667 | 961 |
| Average total loans | $646,134,000 | 954 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 991 |
| Cost of funding earning assets | 0.0966% | 4,669 |
| Net interest margin | 4.2374% | 570 |
| Noninterest income to average assets | 0.1394% | 4,509 |
| Noninterest expense to average assets | 1.8934% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2574% | 380 |
| Return on assets (ROA) | 2.2487% | 415 |
| Pretax return on assets | 2.2487% | 636 |
| Return on Equity (ROE) | 17.6171% | 767 |
| Retained earnings to average equity (ytd only) | 17.6171% | 383 |
| Net charge-offs to loans | -0.0396% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6800% | 4,599 |
| Assets per employee ($millions) | 9.4394% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7401% | 4,503 |
| Loan loss allowance to noncurrent loans | 122,850.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,417 |
| Noncurrent loans to loans | 0.0006% | 4,339 |
| Net loans and leases to total assets | 83.1220% | 180 |
| Net loans and leases to deposits | 105.8576% | 175 |
| Net loans and leases to core deposits | 121.7912% | 225 |
| Total domestic deposits to total assets | 78.5225% | 4,386 |
| Equity capital to assets | 13.5900% | 771 |
| Core capital (leverage) ratio | 10.8283% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $826,445,500 | 1,114 |
| Average earning assets | $782,373,500 | 1,102 |
| Average equity | $105,488,500 | 967 |
| Average total loans | $687,073,500 | 916 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 1,455 |
| Cost of funding earning assets | 0.2288% | 4,470 |
| Net interest margin | 4.2159% | 612 |
| Noninterest income to average assets | 0.1696% | 4,439 |
| Noninterest expense to average assets | 2.1295% | 3,872 |
| Loan and lease loss provision to assets | 0.1077% | 2,996 |
| Net operating income to assets | 1.8856% | 330 |
| Return on assets (ROA) | 1.8904% | 349 |
| Pretax return on assets | 1.8904% | 565 |
| Return on Equity (ROE) | 14.6317% | 697 |
| Retained earnings to average equity (ytd only) | 10.9265% | 439 |
| Net charge-offs to loans | 0.0202% | 2,661 |
| Credit loss provision to net charge-offs | 624.8062% | 1,075 |
| Earnings coverage of net charge-offs (x) | 115.5891% | 723 |
| Efficiency ratio | 49.5023% | 4,565 |
| Assets per employee ($millions) | 10.1174% | 508 |
| Cash dividends to net income (ytd only)* | 25.3235% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 4,611 |
| Loan loss allowance to noncurrent loans | 40,383.3333% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,479 |
| Noncurrent loans to loans | 0.0017% | 4,410 |
| Net loans and leases to total assets | 82.0140% | 292 |
| Net loans and leases to deposits | 106.3722% | 223 |
| Net loans and leases to core deposits | 132.4265% | 178 |
| Total domestic deposits to total assets | 77.1009% | 4,402 |
| Equity capital to assets | 12.0026% | 1,565 |
| Core capital (leverage) ratio | 9.1122% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $748,056,600 | 1,108 |
| Average earning assets | $701,432,200 | 1,100 |
| Average equity | $96,646,000 | 987 |
| Average total loans | $639,076,800 | 927 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 1,912 |
| Cost of funding earning assets | 0.2513% | 4,506 |
| Net interest margin | 4.1240% | 852 |
| Noninterest income to average assets | 0.1750% | 4,415 |
| Noninterest expense to average assets | 2.0921% | 3,972 |
| Loan and lease loss provision to assets | 0.1529% | 2,482 |
| Net operating income to assets | 1.7835% | 468 |
| Return on assets (ROA) | 1.7907% | 519 |
| Pretax return on assets | 1.7907% | 795 |
| Return on Equity (ROE) | 13.5726% | 957 |
| Retained earnings to average equity (ytd only) | 12.4695% | 379 |
| Net charge-offs to loans | 0.0436% | 2,004 |
| Credit loss provision to net charge-offs | 406.8966% | 1,447 |
| Earnings coverage of net charge-offs (x) | 51.5172% | 1,177 |
| Efficiency ratio | 49.6484% | 4,518 |
| Assets per employee ($millions) | 11.9983% | 319 |
| Cash dividends to net income (ytd only)* | 8.1274% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5687% | 4,764 |
| Loan loss allowance to noncurrent loans | 25,221.0526% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,525 |
| Noncurrent loans to loans | 0.0023% | 4,455 |
| Net loans and leases to total assets | 86.2024% | 142 |
| Net loans and leases to deposits | 116.5758% | 141 |
| Net loans and leases to core deposits | 173.8928% | 61 |
| Total domestic deposits to total assets | 73.9454% | 4,568 |
| Equity capital to assets | 10.4633% | 2,825 |
| Core capital (leverage) ratio | 9.5026% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $720,076,250 | 1,134 |
| Average earning assets | $672,853,500 | 1,123 |
| Average equity | $95,002,500 | 992 |
| Average total loans | $621,309,000 | 943 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 1,341 |
| Cost of funding earning assets | 0.2920% | 4,505 |
| Net interest margin | 4.4350% | 573 |
| Noninterest income to average assets | 0.2044% | 4,257 |
| Noninterest expense to average assets | 2.7497% | 2,219 |
| Loan and lease loss provision to assets | 0.1814% | 2,207 |
| Net operating income to assets | 1.3755% | 1,161 |
| Return on assets (ROA) | 1.3877% | 1,233 |
| Pretax return on assets | 1.3877% | 1,753 |
| Return on Equity (ROE) | 9.5156% | 2,142 |
| Retained earnings to average equity (ytd only) | 7.8212% | 1,364 |
| Net charge-offs to loans | 0.0581% | 1,674 |
| Credit loss provision to net charge-offs | 362.8931% | 1,482 |
| Earnings coverage of net charge-offs (x) | 31.1447% | 1,403 |
| Efficiency ratio | 61.4250% | 3,211 |
| Assets per employee ($millions) | 9.3774% | 610 |
| Cash dividends to net income (ytd only)* | 17.8070% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6730% | 4,624 |
| Loan loss allowance to noncurrent loans | 5,396.4706% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,522 |
| Noncurrent loans to loans | 0.0125% | 4,461 |
| Net loans and leases to total assets | 88.0370% | 61 |
| Net loans and leases to deposits | 113.8249% | 162 |
| Net loans and leases to core deposits | 144.5314% | 136 |
| Total domestic deposits to total assets | 77.3442% | 4,275 |
| Equity capital to assets | 12.3618% | 1,447 |
| Core capital (leverage) ratio | 9.3576% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7418% | 3,036 |
| Memoranda: | ||
| Average total assets | $636,146,333 | 1,240 |
| Average earning assets | $588,413,000 | 1,239 |
| Average equity | $92,773,667 | 1,008 |
| Average total loans | $547,557,333 | 1,042 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 641 |
| Cost of funding earning assets | 0.3751% | 4,447 |
| Net interest margin | 4.8421% | 255 |
| Noninterest income to average assets | 0.2380% | 4,133 |
| Noninterest expense to average assets | 2.8750% | 2,198 |
| Loan and lease loss provision to assets | 0.3159% | 981 |
| Net operating income to assets | 1.4884% | 804 |
| Return on assets (ROA) | 1.5101% | 834 |
| Pretax return on assets | 1.5101% | 1,279 |
| Return on Equity (ROE) | 9.3897% | 1,963 |
| Retained earnings to average equity (ytd only) | 5.9586% | 1,891 |
| Net charge-offs to loans | 0.0308% | 1,770 |
| Credit loss provision to net charge-offs | 1,216.2162% | 501 |
| Earnings coverage of net charge-offs (x) | 69.4595% | 731 |
| Efficiency ratio | 58.9497% | 3,882 |
| Assets per employee ($millions) | 6.5813% | 1,302 |
| Cash dividends to net income (ytd only)* | 36.5411% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,178 |
| Loan loss allowance to noncurrent loans | 2,664.5349% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 4,478 |
| Noncurrent loans to loans | 0.0331% | 4,429 |
| Net loans and leases to total assets | 85.0618% | 197 |
| Net loans and leases to deposits | 129.2533% | 40 |
| Net loans and leases to core deposits | 148.7647% | 120 |
| Total domestic deposits to total assets | 65.8101% | 4,963 |
| Equity capital to assets | 15.3100% | 707 |
| Core capital (leverage) ratio | 12.3872% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1335% | 3,060 |
| Memoranda: | ||
| Average total assets | $569,745,500 | 1,307 |
| Average earning assets | $522,581,000 | 1,324 |
| Average equity | $91,632,500 | 1,019 |
| Average total loans | $480,563,000 | 1,129 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2708% | 146 |
| Cost of funding earning assets | 0.8147% | 2,613 |
| Net interest margin | 5.4561% | 123 |
| Noninterest income to average assets | 0.2544% | 4,154 |
| Noninterest expense to average assets | 2.9029% | 2,284 |
| Loan and lease loss provision to assets | 0.2367% | 804 |
| Net operating income to assets | 2.0516% | 304 |
| Return on assets (ROA) | 2.0516% | 320 |
| Pretax return on assets | 2.0516% | 530 |
| Return on Equity (ROE) | 12.1495% | 1,455 |
| Retained earnings to average equity (ytd only) | 3.5365% | 3,232 |
| Net charge-offs to loans | 0.2766% | 753 |
| Credit loss provision to net charge-offs | 108.9578% | 2,288 |
| Earnings coverage of net charge-offs (x) | 10.5349% | 2,563 |
| Efficiency ratio | 53.5589% | 4,465 |
| Assets per employee ($millions) | 5.8045% | 1,789 |
| Cash dividends to net income (ytd only)* | 70.8918% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 3,765 |
| Loan loss allowance to noncurrent loans | 1,886.4253% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 4,431 |
| Noncurrent loans to loans | 0.0501% | 4,346 |
| Net loans and leases to total assets | 81.8975% | 571 |
| Net loans and leases to deposits | 101.4971% | 501 |
| Net loans and leases to core deposits | 108.4150% | 949 |
| Total domestic deposits to total assets | 80.6895% | 3,835 |
| Equity capital to assets | 16.9596% | 471 |
| Core capital (leverage) ratio | 11.0429% | 2,467 |
| Tier 1 risk-based capital ratio | 12.9668% | 3,805 |
| Total risk-based capital ratio | 13.9236% | 3,841 |
| Memoranda: | ||
| Average total assets | $534,505,000 | 1,342 |
| Average earning assets | $483,625,400 | 1,374 |
| Average equity | $90,259,200 | 973 |
| Average total loans | $419,741,400 | 1,219 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3104% | 144 |
| Cost of funding earning assets | 0.8477% | 2,479 |
| Net interest margin | 5.4627% | 128 |
| Noninterest income to average assets | 0.2524% | 4,229 |
| Noninterest expense to average assets | 3.0223% | 1,914 |
| Loan and lease loss provision to assets | 0.1132% | 1,720 |
| Net operating income to assets | 2.0457% | 368 |
| Return on assets (ROA) | 2.0457% | 380 |
| Pretax return on assets | 2.0457% | 622 |
| Return on Equity (ROE) | 12.1277% | 1,570 |
| Retained earnings to average equity (ytd only) | 9.1708% | 998 |
| Net charge-offs to loans | 0.0386% | 2,314 |
| Credit loss provision to net charge-offs | 378.3333% | 799 |
| Earnings coverage of net charge-offs (x) | 72.1399% | 928 |
| Efficiency ratio | 58.3317% | 3,886 |
| Assets per employee ($millions) | 6.6768% | 1,173 |
| Cash dividends to net income (ytd only)* | 24.3813% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8689% | 4,165 |
| Loan loss allowance to noncurrent loans | 3,164.7482% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 4,632 |
| Noncurrent loans to loans | 0.0275% | 4,548 |
| Net loans and leases to total assets | 81.7063% | 600 |
| Net loans and leases to deposits | 122.8603% | 77 |
| Net loans and leases to core deposits | 140.9748% | 176 |
| Total domestic deposits to total assets | 66.5034% | 5,090 |
| Equity capital to assets | 15.2371% | 780 |
| Core capital (leverage) ratio | 11.6934% | 2,082 |
| Tier 1 risk-based capital ratio | 11.7348% | 4,557 |
| Total risk-based capital ratio | 12.6046% | 4,642 |
| Memoranda: | ||
| Average total assets | $534,627,250 | 1,347 |
| Average earning assets | $482,389,500 | 1,377 |
| Average equity | $90,182,250 | 974 |
| Average total loans | $414,298,000 | 1,240 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5266% | 108 |
| Cost of funding earning assets | 0.8100% | 2,594 |
| Net interest margin | 5.7166% | 88 |
| Noninterest income to average assets | 0.2649% | 4,163 |
| Noninterest expense to average assets | 3.2589% | 1,364 |
| Loan and lease loss provision to assets | 0.1787% | 1,006 |
| Net operating income to assets | 1.9804% | 399 |
| Return on assets (ROA) | 1.9804% | 420 |
| Pretax return on assets | 1.9804% | 699 |
| Return on Equity (ROE) | 11.3000% | 1,871 |
| Retained earnings to average equity (ytd only) | 11.3000% | 510 |
| Net charge-offs to loans | 0.0636% | 1,742 |
| Credit loss provision to net charge-offs | 372.1311% | 767 |
| Earnings coverage of net charge-offs (x) | 44.9590% | 1,177 |
| Efficiency ratio | 60.1497% | 3,702 |
| Assets per employee ($millions) | 6.1845% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 3,809 |
| Loan loss allowance to noncurrent loans | 4,441.4141% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 4,701 |
| Noncurrent loans to loans | 0.0217% | 4,619 |
| Net loans and leases to total assets | 79.3654% | 990 |
| Net loans and leases to deposits | 114.1129% | 144 |
| Net loans and leases to core deposits | 133.3997% | 269 |
| Total domestic deposits to total assets | 69.5499% | 5,062 |
| Equity capital to assets | 16.2339% | 581 |
| Core capital (leverage) ratio | 12.2790% | 1,656 |
| Tier 1 risk-based capital ratio | 12.7161% | 4,000 |
| Total risk-based capital ratio | 13.6800% | 4,046 |
| Memoranda: | ||
| Average total assets | $508,081,330 | 1,411 |
| Average earning assets | $458,002,330 | 1,450 |
| Average equity | $89,044,330 | 979 |
| Average total loans | $383,633,330 | 1,324 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6797% | 98 |
| Cost of funding earning assets | 0.7310% | 2,884 |
| Net interest margin | 5.9487% | 74 |
| Noninterest income to average assets | 0.2764% | 4,034 |
| Noninterest expense to average assets | 3.3113% | 1,265 |
| Loan and lease loss provision to assets | 0.1675% | 1,003 |
| Net operating income to assets | 2.1339% | 301 |
| Return on assets (ROA) | 2.1339% | 314 |
| Pretax return on assets | 2.1339% | 497 |
| Return on Equity (ROE) | 11.6636% | 1,668 |
| Retained earnings to average equity (ytd only) | 11.6636% | 678 |
| Net charge-offs to loans | 0.1312% | 953 |
| Credit loss provision to net charge-offs | 175.4386% | 1,134 |
| Earnings coverage of net charge-offs (x) | 24.1053% | 1,456 |
| Efficiency ratio | 58.9973% | 3,952 |
| Assets per employee ($millions) | 5.0963% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,902 |
| Loan loss allowance to noncurrent loans | 644.5652% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 4,118 |
| Noncurrent loans to loans | 0.1771% | 3,962 |
| Net loans and leases to total assets | 75.8479% | 1,515 |
| Net loans and leases to deposits | 99.6411% | 663 |
| Net loans and leases to core deposits | 100.5136% | 1,573 |
| Total domestic deposits to total assets | 76.1211% | 4,745 |
| Equity capital to assets | 18.7725% | 296 |
| Core capital (leverage) ratio | 12.4981% | 1,515 |
| Tier 1 risk-based capital ratio | 15.1719% | 2,807 |
| Total risk-based capital ratio | 16.3095% | 2,781 |
| Memoranda: | ||
| Average total assets | $477,634,000 | 1,499 |
| Average earning assets | $428,463,000 | 1,538 |
| Average equity | $87,383,000 | 990 |
| Average total loans | $347,466,500 | 1,454 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 1,788 |
| Cost of funding earning assets | 0.4549% | 3,649 |
| Net interest margin | 4.2545% | 1,266 |
| Noninterest income to average assets | 0.2883% | 4,176 |
| Noninterest expense to average assets | 2.1998% | 4,335 |
| Loan and lease loss provision to assets | 0.1764% | 1,118 |
| Net operating income to assets | 1.8060% | 543 |
| Return on assets (ROA) | 1.8060% | 537 |
| Pretax return on assets | 1.8060% | 900 |
| Return on Equity (ROE) | 10.3995% | 2,345 |
| Retained earnings to average equity (ytd only) | 5.7681% | 2,311 |
| Net charge-offs to loans | 0.0280% | 2,846 |
| Credit loss provision to net charge-offs | 867.3469% | 412 |
| Earnings coverage of net charge-offs (x) | 97.4592% | 749 |
| Efficiency ratio | 52.5981% | 4,746 |
| Assets per employee ($millions) | 5.1754% | 2,298 |
| Cash dividends to net income (ytd only)* | 44.5351% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,425 |
| Loan loss allowance to noncurrent loans | 841.6149% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 4,325 |
| Noncurrent loans to loans | 0.1458% | 4,088 |
| Net loans and leases to total assets | 67.9874% | 2,884 |
| Net loans and leases to deposits | 85.6594% | 2,321 |
| Net loans and leases to core deposits | 90.0307% | 2,574 |
| Total domestic deposits to total assets | 79.3694% | 4,241 |
| Equity capital to assets | 17.8247% | 357 |
| Core capital (leverage) ratio | 11.8701% | 1,820 |
| Tier 1 risk-based capital ratio | 15.5197% | 2,608 |
| Total risk-based capital ratio | 16.7182% | 2,557 |
| Memoranda: | ||
| Average total assets | $481,771,600 | 1,453 |
| Average earning assets | $440,941,000 | 1,475 |
| Average equity | $83,667,400 | 992 |
| Average total loans | $350,208,400 | 1,405 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 3,331 |
| Cost of funding earning assets | 0.3967% | 3,881 |
| Net interest margin | 3.8015% | 2,637 |
| Noninterest income to average assets | 0.2891% | 4,222 |
| Noninterest expense to average assets | 1.8956% | 4,910 |
| Loan and lease loss provision to assets | 0.0968% | 2,040 |
| Net operating income to assets | 1.8043% | 596 |
| Return on assets (ROA) | 1.8043% | 600 |
| Pretax return on assets | 1.8043% | 1,004 |
| Return on Equity (ROE) | 10.4581% | 2,408 |
| Retained earnings to average equity (ytd only) | 7.2746% | 1,993 |
| Net charge-offs to loans | 0.0372% | 2,334 |
| Credit loss provision to net charge-offs | 353.5354% | 886 |
| Earnings coverage of net charge-offs (x) | 69.4023% | 965 |
| Efficiency ratio | 49.9271% | 4,948 |
| Assets per employee ($millions) | 8.4197% | 545 |
| Cash dividends to net income (ytd only)* | 30.4401% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,391 |
| Loan loss allowance to noncurrent loans | 1,070.2703% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 4,608 |
| Noncurrent loans to loans | 0.0994% | 4,444 |
| Net loans and leases to total assets | 72.9261% | 2,181 |
| Net loans and leases to deposits | 92.6129% | 1,551 |
| Net loans and leases to core deposits | 95.3667% | 2,177 |
| Total domestic deposits to total assets | 78.7429% | 4,371 |
| Equity capital to assets | 18.7056% | 284 |
| Core capital (leverage) ratio | 13.4488% | 1,122 |
| Tier 1 risk-based capital ratio | 17.5460% | 1,910 |
| Total risk-based capital ratio | 18.5863% | 1,937 |
| Memoranda: | ||
| Average total assets | $481,887,000 | 1,459 |
| Average earning assets | $444,614,750 | 1,473 |
| Average equity | $83,136,250 | 998 |
| Average total loans | $354,936,750 | 1,385 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0272% | 3,701 |
| Cost of funding earning assets | 0.3206% | 4,267 |
| Net interest margin | 3.7066% | 2,899 |
| Noninterest income to average assets | 0.2868% | 4,261 |
| Noninterest expense to average assets | 1.8885% | 4,975 |
| Loan and lease loss provision to assets | 0.1018% | 1,911 |
| Net operating income to assets | 1.7207% | 697 |
| Return on assets (ROA) | 1.7207% | 697 |
| Pretax return on assets | 1.7207% | 1,165 |
| Return on Equity (ROE) | 10.2401% | 2,457 |
| Retained earnings to average equity (ytd only) | 6.0801% | 2,509 |
| Net charge-offs to loans | -0.0006% | 3,866 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8891% | 4,970 |
| Assets per employee ($millions) | 9.5897% | 366 |
| Cash dividends to net income (ytd only)* | 40.6250% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 4,366 |
| Loan loss allowance to noncurrent loans | 19,800.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 5,046 |
| Noncurrent loans to loans | 0.0045% | 4,948 |
| Net loans and leases to total assets | 76.2740% | 1,588 |
| Net loans and leases to deposits | 107.8091% | 356 |
| Net loans and leases to core deposits | 110.4821% | 970 |
| Total domestic deposits to total assets | 70.7492% | 5,246 |
| Equity capital to assets | 16.0777% | 491 |
| Core capital (leverage) ratio | 12.8784% | 1,285 |
| Tier 1 risk-based capital ratio | 14.2739% | 3,221 |
| Total risk-based capital ratio | 15.1496% | 3,322 |
| Memoranda: | ||
| Average total assets | $490,960,670 | 1,440 |
| Average earning assets | $453,563,670 | 1,441 |
| Average equity | $82,499,000 | 1,003 |
| Average total loans | $361,537,670 | 1,357 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 3,960 |
| Cost of funding earning assets | 0.2006% | 5,012 |
| Net interest margin | 3.6893% | 2,841 |
| Noninterest income to average assets | 0.2890% | 4,238 |
| Noninterest expense to average assets | 1.7934% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8998% | 452 |
| Return on assets (ROA) | 1.8998% | 454 |
| Pretax return on assets | 1.8998% | 725 |
| Return on Equity (ROE) | 11.0472% | 1,950 |
| Retained earnings to average equity (ytd only) | 7.7058% | 1,957 |
| Net charge-offs to loans | -0.0012% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5598% | 5,170 |
| Assets per employee ($millions) | 8.6893% | 493 |
| Cash dividends to net income (ytd only)* | 30.2469% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 4,160 |
| Loan loss allowance to noncurrent loans | 15,063.6364% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,117 |
| Noncurrent loans to loans | 0.0064% | 4,989 |
| Net loans and leases to total assets | 72.7237% | 2,057 |
| Net loans and leases to deposits | 89.5776% | 1,736 |
| Net loans and leases to core deposits | 92.9834% | 2,214 |
| Total domestic deposits to total assets | 81.1851% | 4,157 |
| Equity capital to assets | 17.5967% | 347 |
| Core capital (leverage) ratio | 12.5516% | 1,370 |
| Tier 1 risk-based capital ratio | 18.1633% | 1,782 |
| Total risk-based capital ratio | 19.2161% | 1,793 |
| Memoranda: | ||
| Average total assets | $477,520,000 | 1,482 |
| Average earning assets | $440,622,500 | 1,490 |
| Average equity | $82,120,000 | 1,013 |
| Average total loans | $343,035,000 | 1,431 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 4,596 |
| Cost of funding earning assets | 0.2024% | 4,932 |
| Net interest margin | 3.3871% | 3,892 |
| Noninterest income to average assets | 0.2580% | 4,590 |
| Noninterest expense to average assets | 1.7280% | 5,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6586% | 575 |
| Return on assets (ROA) | 1.6586% | 591 |
| Pretax return on assets | 1.6586% | 1,124 |
| Return on Equity (ROE) | 10.3607% | 1,745 |
| Retained earnings to average equity (ytd only) | 2.9405% | 3,545 |
| Net charge-offs to loans | -0.0107% | 4,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0250% | 5,166 |
| Assets per employee ($millions) | 8.9966% | 450 |
| Cash dividends to net income (ytd only)* | 71.6189% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 4,104 |
| Loan loss allowance to noncurrent loans | 13,804.1667% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 5,172 |
| Noncurrent loans to loans | 0.0070% | 5,026 |
| Net loans and leases to total assets | 69.6161% | 2,583 |
| Net loans and leases to deposits | 84.2157% | 2,468 |
| Net loans and leases to core deposits | 84.6177% | 3,016 |
| Total domestic deposits to total assets | 82.6640% | 3,670 |
| Equity capital to assets | 16.8113% | 412 |
| Core capital (leverage) ratio | 11.3169% | 2,086 |
| Tier 1 risk-based capital ratio | 17.6550% | 1,899 |
| Total risk-based capital ratio | 18.7071% | 1,911 |
| Memoranda: | ||
| Average total assets | $511,335,800 | 1,368 |
| Average earning assets | $472,318,400 | 1,379 |
| Average equity | $81,857,200 | 991 |
| Average total loans | $354,905,000 | 1,368 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5128% | 4,785 |
| Cost of funding earning assets | 0.2018% | 4,963 |
| Net interest margin | 3.3109% | 4,131 |
| Noninterest income to average assets | 0.2575% | 4,660 |
| Noninterest expense to average assets | 1.6536% | 5,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6624% | 623 |
| Return on assets (ROA) | 1.6624% | 643 |
| Pretax return on assets | 1.6624% | 1,210 |
| Return on Equity (ROE) | 10.5080% | 1,901 |
| Retained earnings to average equity (ytd only) | 7.4150% | 1,480 |
| Net charge-offs to loans | -0.0264% | 4,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8680% | 5,258 |
| Assets per employee ($millions) | 9.9008% | 324 |
| Cash dividends to net income (ytd only)* | 29.4346% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 4,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 63.3249% | 3,513 |
| Net loans and leases to deposits | 75.8485% | 3,389 |
| Net loans and leases to core deposits | 77.8927% | 3,641 |
| Total domestic deposits to total assets | 83.4886% | 3,293 |
| Equity capital to assets | 16.0840% | 527 |
| Core capital (leverage) ratio | 11.8921% | 1,758 |
| Tier 1 risk-based capital ratio | 18.5308% | 1,716 |
| Total risk-based capital ratio | 19.6046% | 1,723 |
| Memoranda: | ||
| Average total assets | $517,715,750 | 1,366 |
| Average earning assets | $478,239,750 | 1,372 |
| Average equity | $81,903,500 | 994 |
| Average total loans | $358,251,500 | 1,364 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4543% | 4,865 |
| Cost of funding earning assets | 0.2043% | 4,932 |
| Net interest margin | 3.2500% | 4,268 |
| Noninterest income to average assets | 0.2542% | 4,718 |
| Noninterest expense to average assets | 1.6865% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5686% | 755 |
| Return on assets (ROA) | 1.5686% | 776 |
| Pretax return on assets | 1.5686% | 1,434 |
| Return on Equity (ROE) | 9.9715% | 2,047 |
| Retained earnings to average equity (ytd only) | 6.0293% | 2,097 |
| Net charge-offs to loans | -0.0383% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8121% | 5,195 |
| Assets per employee ($millions) | 10.0059% | 300 |
| Cash dividends to net income (ytd only)* | 39.5349% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 4,627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 70.4792% | 2,447 |
| Net loans and leases to deposits | 84.1230% | 2,461 |
| Net loans and leases to core deposits | 86.3684% | 2,846 |
| Total domestic deposits to total assets | 83.7811% | 3,293 |
| Equity capital to assets | 15.8166% | 555 |
| Core capital (leverage) ratio | 11.2101% | 2,214 |
| Tier 1 risk-based capital ratio | 17.2406% | 2,081 |
| Total risk-based capital ratio | 18.2772% | 2,102 |
| Memoranda: | ||
| Average total assets | $515,372,670 | 1,375 |
| Average earning assets | $475,874,670 | 1,380 |
| Average equity | $81,071,330 | 1,005 |
| Average total loans | $365,788,670 | 1,337 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2994% | 5,101 |
| Cost of funding earning assets | 0.1993% | 4,981 |
| Net interest margin | 3.1001% | 4,649 |
| Noninterest income to average assets | 0.2550% | 4,715 |
| Noninterest expense to average assets | 1.6362% | 5,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4935% | 820 |
| Return on assets (ROA) | 1.4935% | 847 |
| Pretax return on assets | 1.4935% | 1,553 |
| Return on Equity (ROE) | 9.5203% | 2,173 |
| Retained earnings to average equity (ytd only) | 6.6319% | 2,010 |
| Net charge-offs to loans | -0.0011% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2801% | 5,254 |
| Assets per employee ($millions) | 10.1536% | 287 |
| Cash dividends to net income (ytd only)* | 30.3394% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 4,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 60.9298% | 3,679 |
| Net loans and leases to deposits | 72.3736% | 3,576 |
| Net loans and leases to core deposits | 73.6025% | 3,875 |
| Total domestic deposits to total assets | 84.1879% | 3,403 |
| Equity capital to assets | 15.3566% | 582 |
| Core capital (leverage) ratio | 11.0784% | 2,285 |
| Tier 1 risk-based capital ratio | 18.7809% | 1,668 |
| Total risk-based capital ratio | 19.9093% | 1,656 |
| Memoranda: | ||
| Average total assets | $512,905,500 | 1,387 |
| Average earning assets | $475,597,000 | 1,391 |
| Average equity | $80,459,500 | 1,012 |
| Average total loans | $363,656,500 | 1,346 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8235% | 3,824 |
| Cost of funding earning assets | 0.1968% | 5,043 |
| Net interest margin | 3.6267% | 2,975 |
| Noninterest income to average assets | 0.2685% | 4,804 |
| Noninterest expense to average assets | 1.7131% | 5,551 |
| Loan and lease loss provision to assets | 0.0097% | 4,177 |
| Net operating income to assets | 1.8990% | 379 |
| Return on assets (ROA) | 1.8990% | 393 |
| Pretax return on assets | 1.8990% | 625 |
| Return on Equity (ROE) | 12.1437% | 1,200 |
| Retained earnings to average equity (ytd only) | 1.3638% | 4,728 |
| Net charge-offs to loans | -0.0007% | 4,641 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3008% | 5,600 |
| Assets per employee ($millions) | 10.1597% | 289 |
| Cash dividends to net income (ytd only)* | 88.7692% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 5,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.1610% | 875 |
| Net loans and leases to deposits | 96.3871% | 962 |
| Net loans and leases to core deposits | 96.6673% | 1,866 |
| Total domestic deposits to total assets | 83.1657% | 3,708 |
| Equity capital to assets | 16.0374% | 496 |
| Core capital (leverage) ratio | 10.5661% | 2,813 |
| Tier 1 risk-based capital ratio | 15.8812% | 2,598 |
| Total risk-based capital ratio | 16.8590% | 2,637 |
| Memoranda: | ||
| Average total assets | $518,110,600 | 1,323 |
| Average earning assets | $479,060,600 | 1,323 |
| Average equity | $81,021,400 | 979 |
| Average total loans | $412,489,800 | 1,174 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7462% | 4,092 |
| Cost of funding earning assets | 0.1907% | 5,169 |
| Net interest margin | 3.5555% | 3,252 |
| Noninterest income to average assets | 0.2658% | 4,870 |
| Noninterest expense to average assets | 1.6269% | 5,669 |
| Loan and lease loss provision to assets | 0.0127% | 3,995 |
| Net operating income to assets | 1.9139% | 395 |
| Return on assets (ROA) | 1.9139% | 415 |
| Pretax return on assets | 1.9139% | 686 |
| Return on Equity (ROE) | 12.3136% | 1,225 |
| Retained earnings to average equity (ytd only) | 7.2488% | 1,502 |
| Net charge-offs to loans | -0.0010% | 4,440 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7831% | 5,678 |
| Assets per employee ($millions) | 11.3139% | 202 |
| Cash dividends to net income (ytd only)* | 41.1318% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7236% | 5,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 81.0476% | 750 |
| Net loans and leases to deposits | 105.8235% | 382 |
| Net loans and leases to core deposits | 108.2309% | 1,033 |
| Total domestic deposits to total assets | 76.5875% | 5,152 |
| Equity capital to assets | 15.0786% | 719 |
| Core capital (leverage) ratio | 11.4335% | 2,088 |
| Tier 1 risk-based capital ratio | 15.1146% | 2,991 |
| Total risk-based capital ratio | 15.9906% | 3,108 |
| Memoranda: | ||
| Average total assets | $523,182,500 | 1,317 |
| Average earning assets | $483,780,000 | 1,315 |
| Average equity | $81,317,250 | 978 |
| Average total loans | $415,028,500 | 1,173 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 4,414 |
| Cost of funding earning assets | 0.1780% | 5,340 |
| Net interest margin | 3.4816% | 3,557 |
| Noninterest income to average assets | 0.2699% | 4,850 |
| Noninterest expense to average assets | 1.5976% | 5,763 |
| Loan and lease loss provision to assets | 0.0195% | 3,749 |
| Net operating income to assets | 1.8714% | 416 |
| Return on assets (ROA) | 1.8714% | 438 |
| Pretax return on assets | 1.8714% | 742 |
| Return on Equity (ROE) | 11.9118% | 1,354 |
| Retained earnings to average equity (ytd only) | 7.2419% | 1,492 |
| Net charge-offs to loans | -0.0010% | 4,317 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7961% | 5,761 |
| Assets per employee ($millions) | 11.1339% | 198 |
| Cash dividends to net income (ytd only)* | 39.2038% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7286% | 5,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.1348% | 878 |
| Net loans and leases to deposits | 115.9291% | 145 |
| Net loans and leases to core deposits | 126.3930% | 365 |
| Total domestic deposits to total assets | 69.1240% | 5,809 |
| Equity capital to assets | 14.7716% | 796 |
| Core capital (leverage) ratio | 11.9632% | 1,650 |
| Tier 1 risk-based capital ratio | 14.1485% | 3,524 |
| Total risk-based capital ratio | 14.9907% | 3,674 |
| Memoranda: | ||
| Average total assets | $512,782,330 | 1,349 |
| Average earning assets | $474,041,330 | 1,341 |
| Average equity | $80,558,670 | 989 |
| Average total loans | $402,508,330 | 1,204 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6667% | 4,433 |
| Cost of funding earning assets | 0.1777% | 5,391 |
| Net interest margin | 3.4890% | 3,510 |
| Noninterest income to average assets | 0.2787% | 4,719 |
| Noninterest expense to average assets | 1.6275% | 5,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8842% | 411 |
| Return on assets (ROA) | 1.8842% | 436 |
| Pretax return on assets | 1.8842% | 718 |
| Return on Equity (ROE) | 11.6004% | 1,426 |
| Retained earnings to average equity (ytd only) | 7.9778% | 1,460 |
| Net charge-offs to loans | -0.0011% | 4,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3449% | 5,795 |
| Assets per employee ($millions) | 10.1474% | 258 |
| Cash dividends to net income (ytd only)* | 31.2284% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 5,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.0484% | 1,877 |
| Net loans and leases to deposits | 87.9625% | 1,829 |
| Net loans and leases to core deposits | 90.2540% | 2,348 |
| Total domestic deposits to total assets | 83.0450% | 3,873 |
| Equity capital to assets | 16.5760% | 465 |
| Core capital (leverage) ratio | 11.8274% | 1,727 |
| Tier 1 risk-based capital ratio | 16.8874% | 2,327 |
| Total risk-based capital ratio | 17.9014% | 2,368 |
| Memoranda: | ||
| Average total assets | $490,825,000 | 1,412 |
| Average earning assets | $454,800,500 | 1,407 |
| Average equity | $79,721,500 | 999 |
| Average total loans | $379,071,500 | 1,245 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 4,576 |
| Cost of funding earning assets | 0.1667% | 5,562 |
| Net interest margin | 3.4674% | 3,647 |
| Noninterest income to average assets | 0.2848% | 4,852 |
| Noninterest expense to average assets | 1.8385% | 5,688 |
| Loan and lease loss provision to assets | 0.0201% | 3,996 |
| Net operating income to assets | 1.6299% | 659 |
| Return on assets (ROA) | 1.6335% | 672 |
| Pretax return on assets | 1.6335% | 1,155 |
| Return on Equity (ROE) | 10.2331% | 1,910 |
| Retained earnings to average equity (ytd only) | 1.8407% | 4,674 |
| Net charge-offs to loans | 0.0185% | 3,905 |
| Credit loss provision to net charge-offs | 140.8451% | 1,868 |
| Earnings coverage of net charge-offs (x) | 115.5493% | 519 |
| Efficiency ratio | 49.9625% | 5,764 |
| Assets per employee ($millions) | 10.3036% | 242 |
| Cash dividends to net income (ytd only)* | 82.0118% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 5,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 80.0480% | 838 |
| Net loans and leases to deposits | 98.2855% | 797 |
| Net loans and leases to core deposits | 98.2858% | 1,648 |
| Total domestic deposits to total assets | 81.4444% | 4,353 |
| Equity capital to assets | 15.9137% | 526 |
| Core capital (leverage) ratio | 11.3659% | 2,072 |
| Tier 1 risk-based capital ratio | 15.7341% | 2,811 |
| Total risk-based capital ratio | 16.7073% | 2,891 |
| Memoranda: | ||
| Average total assets | $497,210,000 | 1,354 |
| Average earning assets | $459,386,800 | 1,351 |
| Average equity | $79,370,200 | 959 |
| Average total loans | $383,019,600 | 1,206 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 4,462 |
| Cost of funding earning assets | 0.1682% | 5,649 |
| Net interest margin | 3.5157% | 3,479 |
| Noninterest income to average assets | 0.2833% | 4,919 |
| Noninterest expense to average assets | 1.8350% | 5,732 |
| Loan and lease loss provision to assets | 0.0268% | 3,728 |
| Net operating income to assets | 1.6689% | 665 |
| Return on assets (ROA) | 1.6738% | 683 |
| Pretax return on assets | 1.6738% | 1,176 |
| Return on Equity (ROE) | 10.4771% | 1,908 |
| Retained earnings to average equity (ytd only) | 6.1019% | 2,181 |
| Net charge-offs to loans | 0.0253% | 3,431 |
| Credit loss provision to net charge-offs | 138.8889% | 1,780 |
| Earnings coverage of net charge-offs (x) | 87.9423% | 701 |
| Efficiency ratio | 49.0215% | 5,821 |
| Assets per employee ($millions) | 9.4283% | 332 |
| Cash dividends to net income (ytd only)* | 41.7599% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 5,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 73.0594% | 1,895 |
| Net loans and leases to deposits | 88.0526% | 1,895 |
| Net loans and leases to core deposits | 89.3861% | 2,523 |
| Total domestic deposits to total assets | 82.9725% | 3,832 |
| Equity capital to assets | 16.5849% | 480 |
| Core capital (leverage) ratio | 11.6998% | 1,889 |
| Tier 1 risk-based capital ratio | 17.1838% | 2,302 |
| Total risk-based capital ratio | 18.2044% | 2,340 |
| Memoranda: | ||
| Average total assets | $497,869,250 | 1,356 |
| Average earning assets | $459,868,500 | 1,353 |
| Average equity | $79,536,500 | 962 |
| Average total loans | $378,995,000 | 1,218 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 4,737 |
| Cost of funding earning assets | 0.1673% | 5,719 |
| Net interest margin | 3.4244% | 3,812 |
| Noninterest income to average assets | 0.2790% | 4,953 |
| Noninterest expense to average assets | 1.8030% | 5,846 |
| Loan and lease loss provision to assets | 0.0400% | 3,315 |
| Net operating income to assets | 1.6015% | 741 |
| Return on assets (ROA) | 1.6015% | 766 |
| Pretax return on assets | 1.6015% | 1,324 |
| Return on Equity (ROE) | 10.1514% | 1,998 |
| Retained earnings to average equity (ytd only) | 7.2456% | 1,594 |
| Net charge-offs to loans | 0.0379% | 2,921 |
| Credit loss provision to net charge-offs | 136.9863% | 1,629 |
| Earnings coverage of net charge-offs (x) | 56.2603% | 878 |
| Efficiency ratio | 49.3270% | 5,883 |
| Assets per employee ($millions) | 10.6938% | 218 |
| Cash dividends to net income (ytd only)* | 28.6249% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7490% | 5,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 79.7977% | 828 |
| Net loans and leases to deposits | 111.0888% | 235 |
| Net loans and leases to core deposits | 112.6018% | 721 |
| Total domestic deposits to total assets | 71.8324% | 5,944 |
| Equity capital to assets | 15.0472% | 694 |
| Core capital (leverage) ratio | 11.3119% | 2,154 |
| Tier 1 risk-based capital ratio | 14.8062% | 3,469 |
| Total risk-based capital ratio | 15.6991% | 3,588 |
| Memoranda: | ||
| Average total assets | $500,402,000 | 1,355 |
| Average earning assets | $462,563,330 | 1,353 |
| Average equity | $78,945,000 | 973 |
| Average total loans | $384,856,670 | 1,198 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3036% | 5,446 |
| Cost of funding earning assets | 0.1614% | 5,833 |
| Net interest margin | 3.1422% | 4,814 |
| Noninterest income to average assets | 0.2872% | 4,871 |
| Noninterest expense to average assets | 1.7854% | 5,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4030% | 1,026 |
| Return on assets (ROA) | 1.4030% | 1,080 |
| Pretax return on assets | 1.4030% | 1,877 |
| Return on Equity (ROE) | 8.6712% | 2,614 |
| Retained earnings to average equity (ytd only) | 7.3309% | 1,842 |
| Net charge-offs to loans | -0.0011% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6220% | 5,771 |
| Assets per employee ($millions) | 10.5210% | 230 |
| Cash dividends to net income (ytd only)* | 15.4572% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7867% | 5,728 |
| Loan loss allowance to noncurrent loans | 4,258.6667% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 5,894 |
| Noncurrent loans to loans | 0.0185% | 5,733 |
| Net loans and leases to total assets | 78.1389% | 903 |
| Net loans and leases to deposits | 105.3275% | 335 |
| Net loans and leases to core deposits | 106.7069% | 895 |
| Total domestic deposits to total assets | 74.1867% | 5,886 |
| Equity capital to assets | 15.3342% | 654 |
| Core capital (leverage) ratio | 12.1893% | 1,516 |
| Tier 1 risk-based capital ratio | 14.9143% | 3,475 |
| Total risk-based capital ratio | 15.8318% | 3,604 |
| Memoranda: | ||
| Average total assets | $483,257,000 | 1,417 |
| Average earning assets | $446,180,500 | 1,412 |
| Average equity | $78,189,500 | 981 |
| Average total loans | $362,339,000 | 1,266 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 5,301 |
| Cost of funding earning assets | 0.1548% | 6,070 |
| Net interest margin | 3.3512% | 4,400 |
| Noninterest income to average assets | 0.3374% | 4,697 |
| Noninterest expense to average assets | 1.9558% | 5,848 |
| Loan and lease loss provision to assets | -0.2325% | 6,322 |
| Net operating income to assets | 1.6442% | 648 |
| Return on assets (ROA) | 1.6786% | 630 |
| Pretax return on assets | 1.6786% | 1,032 |
| Return on Equity (ROE) | 9.4390% | 2,367 |
| Retained earnings to average equity (ytd only) | 3.7487% | 3,550 |
| Net charge-offs to loans | -0.1671% | 6,228 |
| Credit loss provision to net charge-offs | 206.6116% | 1,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4952% | 5,804 |
| Assets per employee ($millions) | 9.2038% | 311 |
| Cash dividends to net income (ytd only)* | 60.2854% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 5,046 |
| Loan loss allowance to noncurrent loans | 4,257.3333% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 5,984 |
| Noncurrent loans to loans | 0.0235% | 5,794 |
| Net loans and leases to total assets | 69.9496% | 2,243 |
| Net loans and leases to deposits | 84.9840% | 2,101 |
| Net loans and leases to core deposits | 86.1213% | 2,675 |
| Total domestic deposits to total assets | 82.3092% | 4,308 |
| Equity capital to assets | 17.1462% | 402 |
| Core capital (leverage) ratio | 11.9539% | 1,657 |
| Tier 1 risk-based capital ratio | 17.5444% | 2,302 |
| Total risk-based capital ratio | 18.6614% | 2,313 |
| Memoranda: | ||
| Average total assets | $430,058,800 | 1,547 |
| Average earning assets | $388,849,600 | 1,566 |
| Average equity | $76,480,600 | 956 |
| Average total loans | $289,572,200 | 1,477 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5127% | 5,367 |
| Cost of funding earning assets | 0.1510% | 6,181 |
| Net interest margin | 3.3617% | 4,384 |
| Noninterest income to average assets | 0.3459% | 4,674 |
| Noninterest expense to average assets | 1.9487% | 5,860 |
| Loan and lease loss provision to assets | -0.3138% | 6,473 |
| Net operating income to assets | 1.7368% | 575 |
| Return on assets (ROA) | 1.7685% | 556 |
| Pretax return on assets | 1.7685% | 947 |
| Return on Equity (ROE) | 9.8509% | 2,291 |
| Retained earnings to average equity (ytd only) | 7.7024% | 1,492 |
| Net charge-offs to loans | -0.2565% | 6,357 |
| Credit loss provision to net charge-offs | 184.1621% | 1,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1748% | 5,801 |
| Assets per employee ($millions) | 8.8144% | 365 |
| Cash dividends to net income (ytd only)* | 21.8102% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 4,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.8715% | 2,214 |
| Net loans and leases to deposits | 85.9767% | 1,905 |
| Net loans and leases to core deposits | 87.1229% | 2,527 |
| Total domestic deposits to total assets | 81.2679% | 4,744 |
| Equity capital to assets | 18.2431% | 319 |
| Core capital (leverage) ratio | 12.8555% | 1,248 |
| Tier 1 risk-based capital ratio | 18.4517% | 2,071 |
| Total risk-based capital ratio | 19.6157% | 2,063 |
| Memoranda: | ||
| Average total assets | $424,827,000 | 1,576 |
| Average earning assets | $382,376,000 | 1,604 |
| Average equity | $76,269,000 | 964 |
| Average total loans | $282,301,250 | 1,511 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2294% | 5,907 |
| Cost of funding earning assets | 0.1479% | 6,272 |
| Net interest margin | 3.0815% | 5,310 |
| Noninterest income to average assets | 0.3498% | 4,633 |
| Noninterest expense to average assets | 1.8700% | 6,048 |
| Loan and lease loss provision to assets | -0.4734% | 6,584 |
| Net operating income to assets | 1.7156% | 559 |
| Return on assets (ROA) | 1.7634% | 543 |
| Pretax return on assets | 1.7634% | 910 |
| Return on Equity (ROE) | 9.8770% | 2,209 |
| Retained earnings to average equity (ytd only) | 6.6183% | 1,969 |
| Net charge-offs to loans | -0.3946% | 6,483 |
| Credit loss provision to net charge-offs | 184.5018% | 1,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1454% | 5,732 |
| Assets per employee ($millions) | 9.5873% | 267 |
| Cash dividends to net income (ytd only)* | 32.9933% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 5,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 71.9557% | 1,756 |
| Net loans and leases to deposits | 104.9780% | 336 |
| Net loans and leases to core deposits | 106.1838% | 887 |
| Total domestic deposits to total assets | 68.5436% | 6,405 |
| Equity capital to assets | 16.7320% | 449 |
| Core capital (leverage) ratio | 12.8794% | 1,210 |
| Tier 1 risk-based capital ratio | 16.4188% | 2,870 |
| Total risk-based capital ratio | 17.4968% | 2,905 |
| Memoranda: | ||
| Average total assets | $422,467,330 | 1,579 |
| Average earning assets | $378,713,000 | 1,614 |
| Average equity | $75,427,670 | 970 |
| Average total loans | $274,724,670 | 1,558 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0799% | 6,146 |
| Cost of funding earning assets | 0.1502% | 6,352 |
| Net interest margin | 2.9297% | 5,692 |
| Noninterest income to average assets | 0.3716% | 4,420 |
| Noninterest expense to average assets | 1.9346% | 5,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0654% | 1,949 |
| Return on assets (ROA) | 1.0961% | 1,897 |
| Pretax return on assets | 1.0961% | 2,923 |
| Return on Equity (ROE) | 5.9270% | 4,060 |
| Retained earnings to average equity (ytd only) | 4.2121% | 3,603 |
| Net charge-offs to loans | -0.9000% | 6,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1916% | 5,376 |
| Assets per employee ($millions) | 9.1725% | 322 |
| Cash dividends to net income (ytd only)* | 28.9331% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 2,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 59.1479% | 3,679 |
| Net loans and leases to deposits | 72.9560% | 3,210 |
| Net loans and leases to core deposits | 73.7622% | 3,671 |
| Total domestic deposits to total assets | 81.0734% | 5,209 |
| Equity capital to assets | 18.5934% | 284 |
| Core capital (leverage) ratio | 13.3807% | 1,013 |
| Tier 1 risk-based capital ratio | 21.3084% | 1,418 |
| Total risk-based capital ratio | 22.5660% | 1,390 |
| Memoranda: | ||
| Average total assets | $403,606,500 | 1,656 |
| Average earning assets | $362,084,500 | 1,680 |
| Average equity | $74,642,000 | 981 |
| Average total loans | $244,895,500 | 1,721 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5071% | 5,625 |
| Cost of funding earning assets | 0.1552% | 6,515 |
| Net interest margin | 3.3519% | 4,475 |
| Noninterest income to average assets | 0.3781% | 4,604 |
| Noninterest expense to average assets | 1.6475% | 6,485 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7598% | 520 |
| Return on assets (ROA) | 1.7705% | 527 |
| Pretax return on assets | 1.7705% | 810 |
| Return on Equity (ROE) | 10.1757% | 2,042 |
| Retained earnings to average equity (ytd only) | -0.8684% | 6,042 |
| Net charge-offs to loans | -0.0036% | 5,896 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8379% | 6,594 |
| Assets per employee ($millions) | 8.9694% | 336 |
| Cash dividends to net income (ytd only)* | 108.5342% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 3,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 6,303 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 60.2312% | 3,671 |
| Net loans and leases to deposits | 74.2268% | 3,229 |
| Net loans and leases to core deposits | 74.9052% | 3,745 |
| Total domestic deposits to total assets | 81.1448% | 5,125 |
| Equity capital to assets | 18.3941% | 295 |
| Core capital (leverage) ratio | 12.2442% | 1,471 |
| Tier 1 risk-based capital ratio | 21.4682% | 1,346 |
| Total risk-based capital ratio | 22.7234% | 1,320 |
| Memoranda: | ||
| Average total assets | $433,505,600 | 1,525 |
| Average earning assets | $391,775,800 | 1,542 |
| Average equity | $75,424,600 | 949 |
| Average total loans | $307,829,400 | 1,377 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 5,407 |
| Cost of funding earning assets | 0.1530% | 6,629 |
| Net interest margin | 3.4608% | 4,055 |
| Noninterest income to average assets | 0.3831% | 4,651 |
| Noninterest expense to average assets | 1.7609% | 6,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7479% | 583 |
| Return on assets (ROA) | 1.7618% | 595 |
| Pretax return on assets | 1.7618% | 977 |
| Return on Equity (ROE) | 10.2604% | 2,079 |
| Retained earnings to average equity (ytd only) | 2.7821% | 4,655 |
| Net charge-offs to loans | -0.0033% | 5,733 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8333% | 6,558 |
| Assets per employee ($millions) | 9.6971% | 250 |
| Cash dividends to net income (ytd only)* | 72.8849% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 3,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 6,398 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 55.6355% | 4,369 |
| Net loans and leases to deposits | 68.2401% | 4,032 |
| Net loans and leases to core deposits | 69.1254% | 4,420 |
| Total domestic deposits to total assets | 81.5290% | 5,074 |
| Equity capital to assets | 17.9760% | 323 |
| Core capital (leverage) ratio | 13.0077% | 1,201 |
| Tier 1 risk-based capital ratio | 22.6252% | 1,209 |
| Total risk-based capital ratio | 23.8806% | 1,189 |
| Memoranda: | ||
| Average total assets | $440,976,250 | 1,515 |
| Average earning assets | $398,280,750 | 1,529 |
| Average equity | $75,720,000 | 954 |
| Average total loans | $323,082,750 | 1,322 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 5,284 |
| Cost of funding earning assets | 0.1519% | 6,699 |
| Net interest margin | 3.4997% | 3,783 |
| Noninterest income to average assets | 0.3711% | 4,739 |
| Noninterest expense to average assets | 1.7059% | 6,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8383% | 476 |
| Return on assets (ROA) | 1.8589% | 494 |
| Pretax return on assets | 1.8589% | 806 |
| Return on Equity (ROE) | 10.9903% | 1,809 |
| Retained earnings to average equity (ytd only) | 1.2097% | 5,417 |
| Net charge-offs to loans | -0.0051% | 5,640 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8538% | 6,681 |
| Assets per employee ($millions) | 8.6533% | 347 |
| Cash dividends to net income (ytd only)* | 88.9935% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,343 |
| Loan loss allowance to noncurrent loans | 1,176.8254% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 6,196 |
| Noncurrent loans to loans | 0.0957% | 6,110 |
| Net loans and leases to total assets | 80.0397% | 534 |
| Net loans and leases to deposits | 108.2050% | 176 |
| Net loans and leases to core deposits | 108.5308% | 626 |
| Total domestic deposits to total assets | 73.9704% | 6,448 |
| Equity capital to assets | 18.5629% | 285 |
| Core capital (leverage) ratio | 13.4641% | 989 |
| Tier 1 risk-based capital ratio | 17.6577% | 2,460 |
| Total risk-based capital ratio | 18.9092% | 2,421 |
| Memoranda: | ||
| Average total assets | $445,743,670 | 1,489 |
| Average earning assets | $404,148,000 | 1,504 |
| Average equity | $75,393,670 | 962 |
| Average total loans | $350,414,330 | 1,211 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6025% | 5,448 |
| Cost of funding earning assets | 0.1610% | 6,762 |
| Net interest margin | 3.4415% | 3,957 |
| Noninterest income to average assets | 0.3989% | 4,465 |
| Noninterest expense to average assets | 1.6808% | 6,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8415% | 445 |
| Return on assets (ROA) | 1.8811% | 456 |
| Pretax return on assets | 1.8811% | 764 |
| Return on Equity (ROE) | 11.6163% | 1,525 |
| Retained earnings to average equity (ytd only) | -1.6936% | 6,044 |
| Net charge-offs to loans | -0.0055% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5448% | 6,748 |
| Assets per employee ($millions) | 9.0586% | 312 |
| Cash dividends to net income (ytd only)* | 114.5795% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,909 |
| Loan loss allowance to noncurrent loans | 905.3790% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 6,287 |
| Noncurrent loans to loans | 0.1388% | 6,052 |
| Net loans and leases to total assets | 71.3766% | 1,456 |
| Net loans and leases to deposits | 89.2914% | 1,024 |
| Net loans and leases to core deposits | 92.2809% | 1,481 |
| Total domestic deposits to total assets | 79.9367% | 5,764 |
| Equity capital to assets | 18.4312% | 305 |
| Core capital (leverage) ratio | 11.8565% | 1,653 |
| Tier 1 risk-based capital ratio | 19.0749% | 2,026 |
| Total risk-based capital ratio | 20.3279% | 2,002 |
| Memoranda: | ||
| Average total assets | $465,264,000 | 1,437 |
| Average earning assets | $422,257,000 | 1,463 |
| Average equity | $75,342,500 | 974 |
| Average total loans | $361,006,000 | 1,188 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 4,995 |
| Cost of funding earning assets | 0.2016% | 6,831 |
| Net interest margin | 3.8851% | 2,892 |
| Noninterest income to average assets | 0.3373% | 5,044 |
| Noninterest expense to average assets | 1.7791% | 6,647 |
| Loan and lease loss provision to assets | -0.2039% | 6,984 |
| Net operating income to assets | 2.2586% | 228 |
| Return on assets (ROA) | 2.2699% | 243 |
| Pretax return on assets | 2.2699% | 352 |
| Return on Equity (ROE) | 13.7834% | 1,038 |
| Retained earnings to average equity (ytd only) | 6.3821% | 1,887 |
| Net charge-offs to loans | 0.2809% | 3,257 |
| Credit loss provision to net charge-offs | -91.1854% | 6,325 |
| Earnings coverage of net charge-offs (x) | 9.1905% | 2,294 |
| Efficiency ratio | 43.3383% | 6,868 |
| Assets per employee ($millions) | 11.3672% | 164 |
| Cash dividends to net income (ytd only)* | 53.6972% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 6,362 |
| Loan loss allowance to noncurrent loans | 852.0737% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 5,822 |
| Noncurrent loans to loans | 0.1016% | 6,235 |
| Net loans and leases to total assets | 81.0214% | 391 |
| Net loans and leases to deposits | 120.2817% | 71 |
| Net loans and leases to core deposits | 120.5905% | 273 |
| Total domestic deposits to total assets | 67.3597% | 6,874 |
| Equity capital to assets | 14.4490% | 895 |
| Core capital (leverage) ratio | 10.6834% | 2,562 |
| Tier 1 risk-based capital ratio | 14.4810% | 4,046 |
| Total risk-based capital ratio | 15.6061% | 4,084 |
| Memoranda: | ||
| Average total assets | $441,467,400 | 1,490 |
| Average earning assets | $397,308,200 | 1,518 |
| Average equity | $72,703,600 | 970 |
| Average total loans | $351,340,600 | 1,193 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 5,469 |
| Cost of funding earning assets | 0.2130% | 6,922 |
| Net interest margin | 3.8042% | 3,322 |
| Noninterest income to average assets | 0.3537% | 4,989 |
| Noninterest expense to average assets | 1.8307% | 6,644 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.9380% | 418 |
| Return on assets (ROA) | 1.9538% | 472 |
| Pretax return on assets | 1.9538% | 771 |
| Return on Equity (ROE) | 11.4289% | 1,810 |
| Retained earnings to average equity (ytd only) | 5.1875% | 3,230 |
| Net charge-offs to loans | 0.2343% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.4811% | 2,183 |
| Efficiency ratio | 45.3079% | 6,852 |
| Assets per employee ($millions) | 10.3704% | 209 |
| Cash dividends to net income (ytd only)* | 54.6103% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 4,989 |
| Loan loss allowance to noncurrent loans | 142.3975% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 4,888 |
| Noncurrent loans to loans | 0.8870% | 4,658 |
| Net loans and leases to total assets | 80.2034% | 491 |
| Net loans and leases to deposits | 129.8078% | 47 |
| Net loans and leases to core deposits | 129.9161% | 193 |
| Total domestic deposits to total assets | 61.7863% | 7,045 |
| Equity capital to assets | 15.1336% | 793 |
| Core capital (leverage) ratio | 11.3582% | 2,086 |
| Tier 1 risk-based capital ratio | 14.7445% | 4,020 |
| Total risk-based capital ratio | 15.9989% | 3,977 |
| Memoranda: | ||
| Average total assets | $421,111,000 | 1,577 |
| Average earning assets | $378,025,000 | 1,600 |
| Average equity | $71,991,250 | 986 |
| Average total loans | $332,337,500 | 1,279 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 5,703 |
| Cost of funding earning assets | 0.2233% | 6,984 |
| Net interest margin | 3.7590% | 3,545 |
| Noninterest income to average assets | 0.3704% | 4,869 |
| Noninterest expense to average assets | 1.8776% | 6,644 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8516% | 509 |
| Return on assets (ROA) | 1.8766% | 553 |
| Pretax return on assets | 1.8766% | 890 |
| Return on Equity (ROE) | 10.4873% | 2,179 |
| Retained earnings to average equity (ytd only) | 4.1344% | 3,859 |
| Net charge-offs to loans | 0.3825% | 2,489 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 6.2084% | 2,676 |
| Efficiency ratio | 46.8683% | 6,839 |
| Assets per employee ($millions) | 8.7230% | 357 |
| Cash dividends to net income (ytd only)* | 60.5769% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 3,682 |
| Loan loss allowance to noncurrent loans | 141.1199% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 4,614 |
| Noncurrent loans to loans | 1.1177% | 4,284 |
| Net loans and leases to total assets | 77.5996% | 777 |
| Net loans and leases to deposits | 109.7357% | 151 |
| Net loans and leases to core deposits | 109.7357% | 584 |
| Total domestic deposits to total assets | 70.7150% | 6,870 |
| Equity capital to assets | 18.0281% | 340 |
| Core capital (leverage) ratio | 13.2521% | 1,070 |
| Tier 1 risk-based capital ratio | 16.4780% | 2,930 |
| Total risk-based capital ratio | 17.7355% | 2,891 |
| Memoranda: | ||
| Average total assets | $399,011,000 | 1,658 |
| Average earning assets | $356,535,670 | 1,693 |
| Average equity | $71,400,670 | 986 |
| Average total loans | $311,143,000 | 1,364 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 5,187 |
| Cost of funding earning assets | 0.2424% | 7,024 |
| Net interest margin | 3.9351% | 2,785 |
| Noninterest income to average assets | 0.3589% | 5,002 |
| Noninterest expense to average assets | 1.9000% | 6,650 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9684% | 447 |
| Return on assets (ROA) | 1.9965% | 482 |
| Pretax return on assets | 1.9965% | 742 |
| Return on Equity (ROE) | 11.1995% | 1,943 |
| Retained earnings to average equity (ytd only) | 1.1278% | 5,633 |
| Net charge-offs to loans | 0.0778% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 32.6333% | 862 |
| Efficiency ratio | 45.7380% | 6,914 |
| Assets per employee ($millions) | 7.9484% | 495 |
| Cash dividends to net income (ytd only)* | 89.9295% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 2,587 |
| Loan loss allowance to noncurrent loans | 282.1757% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 5,536 |
| Noncurrent loans to loans | 0.6843% | 5,292 |
| Net loans and leases to total assets | 76.7446% | 726 |
| Net loans and leases to deposits | 99.7664% | 378 |
| Net loans and leases to core deposits | 99.7664% | 1,003 |
| Total domestic deposits to total assets | 76.9243% | 6,412 |
| Equity capital to assets | 19.4214% | 248 |
| Core capital (leverage) ratio | 12.5592% | 1,313 |
| Tier 1 risk-based capital ratio | 17.8875% | 2,340 |
| Total risk-based capital ratio | 19.1506% | 2,306 |
| Memoranda: | ||
| Average total assets | $397,888,000 | 1,670 |
| Average earning assets | $354,858,000 | 1,706 |
| Average equity | $70,931,500 | 987 |
| Average total loans | $308,532,500 | 1,375 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0011% | 6,449 |
| Cost of funding earning assets | 0.3411% | 7,034 |
| Net interest margin | 3.6600% | 4,473 |
| Noninterest income to average assets | 0.4095% | 4,542 |
| Noninterest expense to average assets | 1.9589% | 6,748 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7013% | 547 |
| Return on assets (ROA) | 1.7549% | 539 |
| Pretax return on assets | 1.7549% | 888 |
| Return on Equity (ROE) | 9.4072% | 2,285 |
| Retained earnings to average equity (ytd only) | 5.4888% | 2,308 |
| Net charge-offs to loans | 0.1475% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 16.0128% | 1,359 |
| Efficiency ratio | 49.6659% | 6,854 |
| Assets per employee ($millions) | 9.3511% | 293 |
| Cash dividends to net income (ytd only)* | 41.6538% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 3,243 |
| Loan loss allowance to noncurrent loans | 240.4219% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 5,622 |
| Noncurrent loans to loans | 0.7019% | 5,294 |
| Net loans and leases to total assets | 75.6380% | 1,000 |
| Net loans and leases to deposits | 120.0465% | 84 |
| Net loans and leases to core deposits | 120.5630% | 343 |
| Total domestic deposits to total assets | 63.0072% | 7,192 |
| Equity capital to assets | 16.4717% | 518 |
| Core capital (leverage) ratio | 11.4986% | 1,893 |
| Tier 1 risk-based capital ratio | 16.1542% | 2,977 |
| Total risk-based capital ratio | 17.4149% | 2,937 |
| Memoranda: | ||
| Average total assets | $368,003,600 | 1,769 |
| Average earning assets | $326,861,200 | 1,810 |
| Average equity | $68,649,400 | 980 |
| Average total loans | $265,055,200 | 1,587 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 6,823 |
| Cost of funding earning assets | 0.3737% | 7,078 |
| Net interest margin | 3.4460% | 5,408 |
| Noninterest income to average assets | 0.4135% | 4,559 |
| Noninterest expense to average assets | 2.0155% | 6,663 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4541% | 1,041 |
| Return on assets (ROA) | 1.5286% | 958 |
| Pretax return on assets | 1.5286% | 1,580 |
| Return on Equity (ROE) | 7.9119% | 3,072 |
| Retained earnings to average equity (ytd only) | 5.0064% | 3,170 |
| Net charge-offs to loans | 0.1883% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 10.9515% | 1,863 |
| Efficiency ratio | 53.8487% | 6,504 |
| Assets per employee ($millions) | 8.6577% | 374 |
| Cash dividends to net income (ytd only)* | 36.7236% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 2,446 |
| Loan loss allowance to noncurrent loans | 757.0659% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 6,578 |
| Noncurrent loans to loans | 0.2588% | 6,357 |
| Net loans and leases to total assets | 72.2589% | 1,656 |
| Net loans and leases to deposits | 105.5767% | 263 |
| Net loans and leases to core deposits | 105.9741% | 867 |
| Total domestic deposits to total assets | 68.4421% | 7,117 |
| Equity capital to assets | 17.8763% | 403 |
| Core capital (leverage) ratio | 13.5163% | 1,040 |
| Tier 1 risk-based capital ratio | 16.5573% | 2,834 |
| Total risk-based capital ratio | 17.8199% | 2,788 |
| Memoranda: | ||
| Average total assets | $352,467,250 | 1,844 |
| Average earning assets | $312,583,250 | 1,889 |
| Average equity | $68,098,500 | 995 |
| Average total loans | $248,583,750 | 1,699 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8395% | 6,879 |
| Cost of funding earning assets | 0.4220% | 7,081 |
| Net interest margin | 3.4174% | 5,495 |
| Noninterest income to average assets | 0.4264% | 4,460 |
| Noninterest expense to average assets | 2.0559% | 6,682 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3990% | 1,085 |
| Return on assets (ROA) | 1.3990% | 1,151 |
| Pretax return on assets | 1.3990% | 1,799 |
| Return on Equity (ROE) | 7.0402% | 3,430 |
| Retained earnings to average equity (ytd only) | 4.6876% | 3,205 |
| Net charge-offs to loans | 0.1290% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 15.6513% | 1,393 |
| Efficiency ratio | 55.0979% | 6,496 |
| Assets per employee ($millions) | 7.0478% | 707 |
| Cash dividends to net income (ytd only)* | 33.4174% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7614% | 1,114 |
| Loan loss allowance to noncurrent loans | 1,045.6014% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 6,660 |
| Noncurrent loans to loans | 0.2641% | 6,398 |
| Net loans and leases to total assets | 64.6635% | 3,327 |
| Net loans and leases to deposits | 85.2214% | 1,905 |
| Net loans and leases to core deposits | 85.5770% | 2,983 |
| Total domestic deposits to total assets | 75.8771% | 6,614 |
| Equity capital to assets | 21.6345% | 187 |
| Core capital (leverage) ratio | 13.5897% | 971 |
| Tier 1 risk-based capital ratio | 20.0300% | 1,603 |
| Total risk-based capital ratio | 21.3006% | 1,578 |
| Memoranda: | ||
| Average total assets | $340,091,330 | 1,919 |
| Average earning assets | $301,397,330 | 1,967 |
| Average equity | $67,583,000 | 999 |
| Average total loans | $235,731,000 | 1,814 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7751% | 6,980 |
| Cost of funding earning assets | 0.4503% | 7,112 |
| Net interest margin | 3.3248% | 5,694 |
| Noninterest income to average assets | 0.3948% | 4,740 |
| Noninterest expense to average assets | 1.9695% | 6,873 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3824% | 1,090 |
| Return on assets (ROA) | 1.3824% | 1,141 |
| Pretax return on assets | 1.3824% | 1,776 |
| Return on Equity (ROE) | 7.2464% | 3,272 |
| Retained earnings to average equity (ytd only) | 5.0039% | 3,195 |
| Net charge-offs to loans | 0.2241% | 3,191 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.7410% | 1,794 |
| Efficiency ratio | 54.3449% | 6,663 |
| Assets per employee ($millions) | 7.3161% | 631 |
| Cash dividends to net income (ytd only)* | 30.9465% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1810% | 777 |
| Loan loss allowance to noncurrent loans | 5,120.1754% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 7,077 |
| Noncurrent loans to loans | 0.0621% | 6,894 |
| Net loans and leases to total assets | 53.9627% | 5,307 |
| Net loans and leases to deposits | 70.0417% | 4,337 |
| Net loans and leases to core deposits | 70.0417% | 5,035 |
| Total domestic deposits to total assets | 77.0436% | 6,531 |
| Equity capital to assets | 20.4730% | 233 |
| Core capital (leverage) ratio | 13.3838% | 998 |
| Tier 1 risk-based capital ratio | 21.3306% | 1,337 |
| Total risk-based capital ratio | 22.6044% | 1,310 |
| Memoranda: | ||
| Average total assets | $351,561,500 | 1,876 |
| Average earning assets | $312,678,000 | 1,911 |
| Average equity | $67,067,500 | 1,000 |
| Average total loans | $248,144,000 | 1,738 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 4,977 |
| Cost of funding earning assets | 0.4459% | 7,374 |
| Net interest margin | 4.4641% | 1,312 |
| Noninterest income to average assets | 0.3706% | 5,135 |
| Noninterest expense to average assets | 1.9534% | 7,092 |
| Loan and lease loss provision to assets | 0.0386% | 6,775 |
| Net operating income to assets | 2.3559% | 144 |
| Return on assets (ROA) | 2.3559% | 150 |
| Pretax return on assets | 2.3559% | 232 |
| Return on Equity (ROE) | 14.4477% | 804 |
| Retained earnings to average equity (ytd only) | 6.6865% | 1,461 |
| Net charge-offs to loans | 0.1365% | 5,553 |
| Credit loss provision to net charge-offs | 33.9367% | 6,462 |
| Earnings coverage of net charge-offs (x) | 21.0520% | 979 |
| Efficiency ratio | 41.8561% | 7,467 |
| Assets per employee ($millions) | 7.9553% | 484 |
| Cash dividends to net income (ytd only)* | 53.7193% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9105% | 2,532 |
| Loan loss allowance to noncurrent loans | 1,174.0668% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 6,899 |
| Noncurrent loans to loans | 0.1627% | 6,744 |
| Net loans and leases to total assets | 82.0588% | 447 |
| Net loans and leases to deposits | 129.5013% | 67 |
| Net loans and leases to core deposits | 129.5013% | 337 |
| Total domestic deposits to total assets | 63.3652% | 7,456 |
| Equity capital to assets | 17.8479% | 388 |
| Core capital (leverage) ratio | 9.5395% | 3,662 |
| Tier 1 risk-based capital ratio | 16.1389% | 2,680 |
| Total risk-based capital ratio | 17.4046% | 2,632 |
| Memoranda: | ||
| Average total assets | $388,600,600 | 1,695 |
| Average earning assets | $346,231,800 | 1,730 |
| Average equity | $63,366,600 | 1,052 |
| Average total loans | $323,835,000 | 1,381 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 6,532 |
| Cost of funding earning assets | 0.4181% | 7,548 |
| Net interest margin | 4.1104% | 2,583 |
| Noninterest income to average assets | 0.3559% | 5,317 |
| Noninterest expense to average assets | 1.8959% | 7,216 |
| Loan and lease loss provision to assets | 0.0510% | 6,569 |
| Net operating income to assets | 2.0679% | 303 |
| Return on assets (ROA) | 2.0679% | 321 |
| Pretax return on assets | 2.0679% | 539 |
| Return on Equity (ROE) | 12.9737% | 1,257 |
| Retained earnings to average equity (ytd only) | 10.0523% | 782 |
| Net charge-offs to loans | 0.0976% | 5,551 |
| Credit loss provision to net charge-offs | 62.7615% | 5,622 |
| Earnings coverage of net charge-offs (x) | 26.0836% | 973 |
| Efficiency ratio | 43.9299% | 7,466 |
| Assets per employee ($millions) | 9.5551% | 295 |
| Cash dividends to net income (ytd only)* | 22.5181% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 3,806 |
| Loan loss allowance to noncurrent loans | 1,999.6764% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 7,177 |
| Noncurrent loans to loans | 0.0768% | 7,051 |
| Net loans and leases to total assets | 84.6609% | 287 |
| Net loans and leases to deposits | 150.7028% | 34 |
| Net loans and leases to core deposits | 170.1047% | 122 |
| Total domestic deposits to total assets | 56.1774% | 7,638 |
| Equity capital to assets | 14.3757% | 1,057 |
| Core capital (leverage) ratio | 10.2854% | 2,938 |
| Tier 1 risk-based capital ratio | 13.1324% | 4,471 |
| Total risk-based capital ratio | 14.3928% | 4,448 |
| Memoranda: | ||
| Average total assets | $392,276,000 | 1,705 |
| Average earning assets | $349,188,250 | 1,737 |
| Average equity | $62,525,000 | 1,074 |
| Average total loans | $326,595,500 | 1,385 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 7,008 |
| Cost of funding earning assets | 0.4089% | 7,649 |
| Net interest margin | 3.9149% | 3,381 |
| Noninterest income to average assets | 0.3766% | 5,111 |
| Noninterest expense to average assets | 1.9806% | 7,146 |
| Loan and lease loss provision to assets | 0.0818% | 6,115 |
| Net operating income to assets | 1.7789% | 505 |
| Return on assets (ROA) | 1.7789% | 555 |
| Pretax return on assets | 1.7789% | 927 |
| Return on Equity (ROE) | 10.7138% | 1,854 |
| Retained earnings to average equity (ytd only) | 8.1600% | 1,390 |
| Net charge-offs to loans | 0.1613% | 4,652 |
| Credit loss provision to net charge-offs | 61.7284% | 5,171 |
| Earnings coverage of net charge-offs (x) | 14.0494% | 1,550 |
| Efficiency ratio | 47.8859% | 7,353 |
| Assets per employee ($millions) | 8.8359% | 359 |
| Cash dividends to net income (ytd only)* | 23.8358% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7178% | 3,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 81.6011% | 582 |
| Net loans and leases to deposits | 161.6790% | 34 |
| Net loans and leases to core deposits | 161.6790% | 160 |
| Total domestic deposits to total assets | 50.4711% | 7,731 |
| Equity capital to assets | 14.3791% | 1,044 |
| Core capital (leverage) ratio | 12.4345% | 1,428 |
| Tier 1 risk-based capital ratio | 13.0043% | 4,440 |
| Total risk-based capital ratio | 14.2662% | 4,377 |
| Memoranda: | ||
| Average total assets | $366,967,670 | 1,823 |
| Average earning assets | $324,759,330 | 1,872 |
| Average equity | $60,931,000 | 1,093 |
| Average total loans | $301,273,330 | 1,524 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 6,782 |
| Cost of funding earning assets | 0.4280% | 7,753 |
| Net interest margin | 4.0757% | 2,544 |
| Noninterest income to average assets | 0.3857% | 5,038 |
| Noninterest expense to average assets | 2.0349% | 7,095 |
| Loan and lease loss provision to assets | 0.1797% | 4,730 |
| Net operating income to assets | 1.7295% | 579 |
| Return on assets (ROA) | 1.7295% | 633 |
| Pretax return on assets | 1.7295% | 1,002 |
| Return on Equity (ROE) | 9.5838% | 2,256 |
| Retained earnings to average equity (ytd only) | 6.8693% | 2,186 |
| Net charge-offs to loans | 0.0015% | 5,602 |
| Credit loss provision to net charge-offs | 15,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,594.0000% | 10 |
| Efficiency ratio | 47.6465% | 7,466 |
| Assets per employee ($millions) | 6.0252% | 1,242 |
| Cash dividends to net income (ytd only)* | 28.3241% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6830% | 1,096 |
| Loan loss allowance to noncurrent loans | 3,709.2486% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 7,343 |
| Noncurrent loans to loans | 0.0723% | 7,215 |
| Net loans and leases to total assets | 78.8368% | 998 |
| Net loans and leases to deposits | 110.0565% | 288 |
| Net loans and leases to core deposits | 110.0565% | 1,264 |
| Total domestic deposits to total assets | 71.6330% | 7,298 |
| Equity capital to assets | 20.5898% | 259 |
| Core capital (leverage) ratio | 13.1568% | 1,170 |
| Tier 1 risk-based capital ratio | 16.6952% | 2,376 |
| Total risk-based capital ratio | 17.9682% | 2,323 |
| Memoranda: | ||
| Average total assets | $333,971,000 | 2,047 |
| Average earning assets | $291,584,500 | 2,134 |
| Average equity | $60,268,500 | 1,106 |
| Average total loans | $272,172,000 | 1,726 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4531% | 4,422 |
| Cost of funding earning assets | 0.6117% | 7,769 |
| Net interest margin | 4.8414% | 635 |
| Noninterest income to average assets | 0.4131% | 5,098 |
| Noninterest expense to average assets | 2.1717% | 7,047 |
| Loan and lease loss provision to assets | 0.5121% | 3,814 |
| Net operating income to assets | 1.9991% | 231 |
| Return on assets (ROA) | 2.0017% | 240 |
| Pretax return on assets | 2.0017% | 399 |
| Return on Equity (ROE) | 13.0209% | 956 |
| Retained earnings to average equity (ytd only) | 8.6743% | 549 |
| Net charge-offs to loans | 0.3669% | 4,386 |
| Credit loss provision to net charge-offs | 170.6560% | 2,498 |
| Earnings coverage of net charge-offs (x) | 8.3688% | 1,954 |
| Efficiency ratio | 43.4276% | 7,794 |
| Assets per employee ($millions) | 7.6063% | 604 |
| Cash dividends to net income (ytd only)* | 33.3821% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0539% | 1,905 |
| Loan loss allowance to noncurrent loans | 6,964.4444% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 7,467 |
| Noncurrent loans to loans | 0.0295% | 7,361 |
| Net loans and leases to total assets | 80.1984% | 959 |
| Net loans and leases to deposits | 140.3130% | 61 |
| Net loans and leases to core deposits | 141.4310% | 757 |
| Total domestic deposits to total assets | 57.1568% | 7,839 |
| Equity capital to assets | 16.0310% | 696 |
| Core capital (leverage) ratio | 10.3377% | 2,751 |
| Tier 1 risk-based capital ratio | 13.9955% | 3,503 |
| Total risk-based capital ratio | 15.2623% | 3,445 |
| Memoranda: | ||
| Average total assets | $375,928,000 | 1,818 |
| Average earning assets | $331,534,000 | 1,872 |
| Average equity | $57,791,600 | 1,145 |
| Average total loans | $307,457,400 | 1,555 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 4,393 |
| Cost of funding earning assets | 0.6599% | 7,846 |
| Net interest margin | 4.8456% | 632 |
| Noninterest income to average assets | 0.4148% | 5,174 |
| Noninterest expense to average assets | 2.2006% | 6,972 |
| Loan and lease loss provision to assets | 0.3893% | 3,981 |
| Net operating income to assets | 2.1128% | 230 |
| Return on assets (ROA) | 2.1164% | 247 |
| Pretax return on assets | 2.1164% | 424 |
| Return on Equity (ROE) | 13.9142% | 953 |
| Retained earnings to average equity (ytd only) | 8.4486% | 996 |
| Net charge-offs to loans | 0.1796% | 4,951 |
| Credit loss provision to net charge-offs | 265.0602% | 1,602 |
| Earnings coverage of net charge-offs (x) | 17.0361% | 1,430 |
| Efficiency ratio | 43.8666% | 7,843 |
| Assets per employee ($millions) | 6.8798% | 832 |
| Cash dividends to net income (ytd only)* | 39.2809% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1883% | 1,441 |
| Loan loss allowance to noncurrent loans | 6,995.4545% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 7,461 |
| Noncurrent loans to loans | 0.0313% | 7,436 |
| Net loans and leases to total assets | 79.9898% | 1,172 |
| Net loans and leases to deposits | 126.1985% | 133 |
| Net loans and leases to core deposits | 127.4353% | 1,624 |
| Total domestic deposits to total assets | 63.3841% | 7,791 |
| Equity capital to assets | 16.9961% | 637 |
| Core capital (leverage) ratio | 9.6270% | 3,745 |
| Tier 1 risk-based capital ratio | 13.6083% | 3,773 |
| Total risk-based capital ratio | 14.8752% | 3,705 |
| Memoranda: | ||
| Average total assets | $376,733,000 | 1,824 |
| Average earning assets | $333,381,750 | 1,882 |
| Average equity | $57,302,250 | 1,170 |
| Average total loans | $308,028,250 | 1,576 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4735% | 4,761 |
| Cost of funding earning assets | 0.6935% | 7,923 |
| Net interest margin | 4.7800% | 677 |
| Noninterest income to average assets | 0.4458% | 4,885 |
| Noninterest expense to average assets | 2.0978% | 7,280 |
| Loan and lease loss provision to assets | 0.4127% | 3,465 |
| Net operating income to assets | 2.1705% | 209 |
| Return on assets (ROA) | 2.1757% | 226 |
| Pretax return on assets | 2.1757% | 379 |
| Return on Equity (ROE) | 14.8187% | 863 |
| Retained earnings to average equity (ytd only) | 14.8187% | 214 |
| Net charge-offs to loans | 0.1811% | 4,440 |
| Credit loss provision to net charge-offs | 278.7456% | 1,679 |
| Earnings coverage of net charge-offs (x) | 17.4460% | 1,478 |
| Efficiency ratio | 41.9597% | 7,974 |
| Assets per employee ($millions) | 8.2962% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 2,687 |
| Loan loss allowance to noncurrent loans | 1,924.1158% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 7,276 |
| Noncurrent loans to loans | 0.0838% | 7,316 |
| Net loans and leases to total assets | 83.0731% | 779 |
| Net loans and leases to deposits | 109.8894% | 555 |
| Net loans and leases to core deposits | 182.0365% | 205 |
| Total domestic deposits to total assets | 75.5970% | 6,636 |
| Equity capital to assets | 13.4320% | 1,518 |
| Core capital (leverage) ratio | 8.3036% | 5,792 |
| Tier 1 risk-based capital ratio | 11.2599% | 5,630 |
| Total risk-based capital ratio | 12.5203% | 5,529 |
| Memoranda: | ||
| Average total assets | $387,647,330 | 1,806 |
| Average earning assets | $343,472,000 | 1,845 |
| Average equity | $56,914,670 | 1,183 |
| Average total loans | $316,933,330 | 1,568 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4936% | 4,946 |
| Cost of funding earning assets | 0.7496% | 7,958 |
| Net interest margin | 4.7440% | 698 |
| Noninterest income to average assets | 0.4778% | 4,529 |
| Noninterest expense to average assets | 2.0784% | 7,171 |
| Loan and lease loss provision to assets | 0.5531% | 2,266 |
| Net operating income to assets | 2.0187% | 338 |
| Return on assets (ROA) | 2.0297% | 378 |
| Pretax return on assets | 2.0297% | 634 |
| Return on Equity (ROE) | 13.1442% | 1,352 |
| Retained earnings to average equity (ytd only) | 13.1442% | 619 |
| Net charge-offs to loans | 0.1201% | 4,012 |
| Credit loss provision to net charge-offs | 574.7126% | 984 |
| Earnings coverage of net charge-offs (x) | 26.7241% | 1,169 |
| Efficiency ratio | 41.6032% | 8,011 |
| Assets per employee ($millions) | 7.4267% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 1,786 |
| Loan loss allowance to noncurrent loans | 1,114.3939% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 6,972 |
| Noncurrent loans to loans | 0.1641% | 7,057 |
| Net loans and leases to total assets | 81.8057% | 1,044 |
| Net loans and leases to deposits | 111.4961% | 546 |
| Net loans and leases to core deposits | 150.4240% | 694 |
| Total domestic deposits to total assets | 73.3709% | 6,988 |
| Equity capital to assets | 14.6795% | 1,186 |
| Core capital (leverage) ratio | 8.6932% | 5,162 |
| Tier 1 risk-based capital ratio | 11.4325% | 5,477 |
| Total risk-based capital ratio | 12.6950% | 5,359 |
| Memoranda: | ||
| Average total assets | $361,623,000 | 1,922 |
| Average earning assets | $318,040,500 | 2,003 |
| Average equity | $55,842,000 | 1,213 |
| Average total loans | $289,773,500 | 1,712 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6786% | 6,838 |
| Cost of funding earning assets | 1.3503% | 7,797 |
| Net interest margin | 4.3284% | 1,888 |
| Noninterest income to average assets | 0.4172% | 5,323 |
| Noninterest expense to average assets | 2.1704% | 7,054 |
| Loan and lease loss provision to assets | 0.4997% | 2,815 |
| Net operating income to assets | 1.2536% | 1,626 |
| Return on assets (ROA) | 1.2536% | 1,567 |
| Pretax return on assets | 1.2536% | 2,468 |
| Return on Equity (ROE) | 7.4992% | 3,285 |
| Retained earnings to average equity (ytd only) | -1.8995% | 5,841 |
| Net charge-offs to loans | 0.8804% | 1,408 |
| Credit loss provision to net charge-offs | 78.1323% | 5,937 |
| Earnings coverage of net charge-offs (x) | 2.7414% | 4,716 |
| Efficiency ratio | 51.3462% | 7,558 |
| Assets per employee ($millions) | 6.2419% | 1,013 |
| Cash dividends to net income (ytd only)* | 125.3292% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1227% | 1,035 |
| Loan loss allowance to noncurrent loans | 624.5434% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 6,538 |
| Noncurrent loans to loans | 0.3399% | 6,355 |
| Net loans and leases to total assets | 74.8442% | 2,913 |
| Net loans and leases to deposits | 118.5123% | 427 |
| Net loans and leases to core deposits | 119.6454% | 2,725 |
| Total domestic deposits to total assets | 63.1531% | 7,831 |
| Equity capital to assets | 16.3158% | 880 |
| Core capital (leverage) ratio | 10.7268% | 2,795 |
| Tier 1 risk-based capital ratio | 11.9104% | 4,899 |
| Total risk-based capital ratio | 13.1740% | 4,774 |
| Memoranda: | ||
| Average total assets | $333,206,600 | 2,006 |
| Average earning assets | $269,941,200 | 2,231 |
| Average equity | $55,699,000 | 1,208 |
| Average total loans | $242,049,600 | 1,953 |