Home > Southern Bank > Performance and Condition Ratios
Southern 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 | 6.1267% | 1,025 |
| Cost of funding earning assets | 2.6341% | 673 |
| Net interest margin | 3.4926% | 2,331 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 2.1728% | 3,187 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 1.3270% | 1,424 |
| Return on assets (ROA) | 1.3301% | 1,412 |
| Pretax return on assets | 1.6814% | 1,145 |
| Return on Equity (ROE) | 13.6700% | 1,344 |
| Retained earnings to average equity (ytd only) | 10.0990% | 1,160 |
| Net charge-offs to loans | 0.1093% | 780 |
| Credit loss provision to net charge-offs | 118.1818% | 1,161 |
| Earnings coverage of net charge-offs (x) | 19.4945% | 1,436 |
| Efficiency ratio | 53.4865% | 3,642 |
| Assets per employee ($millions) | 6.9083% | 2,281 |
| Cash dividends to net income (ytd only)* | 26.1297% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 1,422 |
| Loan loss allowance to noncurrent loans | 250.0683% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 1,523 |
| Noncurrent loans to loans | 0.5460% | 1,765 |
| Net loans and leases to total assets | 80.5800% | 539 |
| Net loans and leases to deposits | 92.7689% | 859 |
| Net loans and leases to core deposits | 108.1259% | 930 |
| Total domestic deposits to total assets | 86.8600% | 1,980 |
| Equity capital to assets | 9.8174% | 2,339 |
| Core capital (leverage) ratio | 9.8236% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2240% | 2,127 |
| Memoranda: | ||
| Average total assets | $4,891,281,000 | 299 |
| Average earning assets | $4,564,773,000 | 290 |
| Average equity | $475,889,500 | 308 |
| Average total loans | $4,025,566,000 | 257 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1447% | 1,114 |
| Cost of funding earning assets | 2.7653% | 752 |
| Net interest margin | 3.3794% | 2,326 |
| Noninterest income to average assets | 0.7400% | 1,053 |
| Noninterest expense to average assets | 2.2791% | 2,918 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.1907% | 1,518 |
| Return on assets (ROA) | 1.1768% | 1,556 |
| Pretax return on assets | 1.4802% | 1,325 |
| Return on Equity (ROE) | 12.2500% | 1,551 |
| Retained earnings to average equity (ytd only) | 8.5589% | 934 |
| Net charge-offs to loans | 0.0258% | 2,049 |
| Credit loss provision to net charge-offs | 565.9660% | 585 |
| Earnings coverage of net charge-offs (x) | 74.6877% | 974 |
| Efficiency ratio | 56.5944% | 3,496 |
| Assets per employee ($millions) | 6.7271% | 2,353 |
| Cash dividends to net income (ytd only)* | 30.1150% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 1,439 |
| Loan loss allowance to noncurrent loans | 658.8037% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 2,383 |
| Noncurrent loans to loans | 0.2063% | 2,691 |
| Net loans and leases to total assets | 81.7900% | 463 |
| Net loans and leases to deposits | 93.9763% | 861 |
| Net loans and leases to core deposits | 109.5733% | 955 |
| Total domestic deposits to total assets | 87.0300% | 1,858 |
| Equity capital to assets | 9.6401% | 2,347 |
| Core capital (leverage) ratio | 9.7984% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7305% | 2,307 |
| Memoranda: | ||
| Average total assets | $4,655,780,600 | 299 |
| Average earning assets | $4,325,708,600 | 293 |
| Average equity | $447,369,200 | 314 |
| Average total loans | $3,869,287,000 | 256 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1236% | 1,105 |
| Cost of funding earning assets | 2.7657% | 757 |
| Net interest margin | 3.3579% | 2,323 |
| Noninterest income to average assets | 0.7500% | 990 |
| Noninterest expense to average assets | 2.3107% | 2,765 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.1500% | 1,629 |
| Return on assets (ROA) | 1.1313% | 1,681 |
| Pretax return on assets | 1.4183% | 1,467 |
| Return on Equity (ROE) | 11.7800% | 1,676 |
| Retained earnings to average equity (ytd only) | 8.0892% | 1,365 |
| Net charge-offs to loans | 0.0279% | 1,763 |
| Credit loss provision to net charge-offs | 643.4457% | 536 |
| Earnings coverage of net charge-offs (x) | 67.1124% | 1,026 |
| Efficiency ratio | 57.5599% | 3,396 |
| Assets per employee ($millions) | 6.5162% | 2,497 |
| Cash dividends to net income (ytd only)* | 31.3492% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 1,435 |
| Loan loss allowance to noncurrent loans | 663.3805% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 2,210 |
| Noncurrent loans to loans | 0.2069% | 2,709 |
| Net loans and leases to total assets | 83.6200% | 284 |
| Net loans and leases to deposits | 96.4631% | 690 |
| Net loans and leases to core deposits | 113.1737% | 821 |
| Total domestic deposits to total assets | 86.6800% | 1,698 |
| Equity capital to assets | 9.8762% | 2,378 |
| Core capital (leverage) ratio | 9.9174% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5345% | 2,397 |
| Memoranda: | ||
| Average total assets | $4,605,482,250 | 293 |
| Average earning assets | $4,275,934,750 | 292 |
| Average equity | $442,157,500 | 310 |
| Average total loans | $3,829,851,500 | 255 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0710% | 1,071 |
| Cost of funding earning assets | 2.7464% | 715 |
| Net interest margin | 3.3246% | 2,356 |
| Noninterest income to average assets | 0.7400% | 995 |
| Noninterest expense to average assets | 2.2941% | 2,818 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 1.1592% | 1,581 |
| Return on assets (ROA) | 1.1310% | 1,648 |
| Pretax return on assets | 1.4171% | 1,446 |
| Return on Equity (ROE) | 11.9000% | 1,649 |
| Retained earnings to average equity (ytd only) | 8.2233% | 1,306 |
| Net charge-offs to loans | 0.0370% | 1,439 |
| Credit loss provision to net charge-offs | 446.9330% | 673 |
| Earnings coverage of net charge-offs (x) | 50.0228% | 1,120 |
| Efficiency ratio | 57.6540% | 3,420 |
| Assets per employee ($millions) | 6.3776% | 2,502 |
| Cash dividends to net income (ytd only)* | 30.8797% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 1,494 |
| Loan loss allowance to noncurrent loans | 786.2854% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 2,252 |
| Noncurrent loans to loans | 0.1735% | 2,811 |
| Net loans and leases to total assets | 83.3900% | 334 |
| Net loans and leases to deposits | 95.9618% | 802 |
| Net loans and leases to core deposits | 108.5983% | 1,025 |
| Total domestic deposits to total assets | 86.9000% | 1,685 |
| Equity capital to assets | 9.7972% | 2,197 |
| Core capital (leverage) ratio | 9.7895% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6850% | 2,364 |
| Memoranda: | ||
| Average total assets | $4,581,110,667 | 298 |
| Average earning assets | $4,250,348,000 | 295 |
| Average equity | $435,520,667 | 314 |
| Average total loans | $3,784,295,667 | 256 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0268% | 1,023 |
| Cost of funding earning assets | 2.7383% | 673 |
| Net interest margin | 3.2884% | 2,363 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 2.2831% | 2,849 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 1.0871% | 1,702 |
| Return on assets (ROA) | 1.0309% | 1,859 |
| Pretax return on assets | 1.2903% | 1,663 |
| Return on Equity (ROE) | 11.0100% | 1,849 |
| Retained earnings to average equity (ytd only) | 7.2912% | 1,744 |
| Net charge-offs to loans | 0.0113% | 1,672 |
| Credit loss provision to net charge-offs | 1,281.1321% | 286 |
| Earnings coverage of net charge-offs (x) | 155.9340% | 500 |
| Efficiency ratio | 58.9592% | 3,363 |
| Assets per employee ($millions) | 6.6325% | 2,352 |
| Cash dividends to net income (ytd only)* | 33.7781% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 1,523 |
| Loan loss allowance to noncurrent loans | 692.7935% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 2,144 |
| Noncurrent loans to loans | 0.1965% | 2,642 |
| Net loans and leases to total assets | 80.9300% | 519 |
| Net loans and leases to deposits | 92.7093% | 972 |
| Net loans and leases to core deposits | 105.4969% | 1,133 |
| Total domestic deposits to total assets | 87.3000% | 1,666 |
| Equity capital to assets | 9.4506% | 2,356 |
| Core capital (leverage) ratio | 9.4247% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5183% | 2,419 |
| Memoranda: | ||
| Average total assets | $4,594,847,000 | 301 |
| Average earning assets | $4,259,073,000 | 297 |
| Average equity | $430,215,500 | 317 |
| Average total loans | $3,751,542,000 | 262 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6300% | 1,004 |
| Cost of funding earning assets | 2.0611% | 829 |
| Net interest margin | 3.5689% | 2,026 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.4122% | 2,553 |
| Loan and lease loss provision to assets | 0.3000% | 363 |
| Net operating income to assets | 1.0941% | 1,938 |
| Return on assets (ROA) | 1.0811% | 1,945 |
| Pretax return on assets | 1.3518% | 1,738 |
| Return on Equity (ROE) | 11.5900% | 2,066 |
| Retained earnings to average equity (ytd only) | -0.6683% | 4,159 |
| Net charge-offs to loans | 0.0436% | 1,454 |
| Credit loss provision to net charge-offs | 851.8664% | 466 |
| Earnings coverage of net charge-offs (x) | 45.9044% | 1,345 |
| Efficiency ratio | 56.8383% | 3,413 |
| Assets per employee ($millions) | 6.6282% | 2,321 |
| Cash dividends to net income (ytd only)* | 105.7641% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 1,601 |
| Loan loss allowance to noncurrent loans | 845.7278% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 2,166 |
| Noncurrent loans to loans | 0.1587% | 2,726 |
| Net loans and leases to total assets | 80.1600% | 628 |
| Net loans and leases to deposits | 91.7967% | 1,112 |
| Net loans and leases to core deposits | 104.7714% | 1,176 |
| Total domestic deposits to total assets | 87.3200% | 1,580 |
| Equity capital to assets | 9.2754% | 2,497 |
| Core capital (leverage) ratio | 9.4531% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2842% | 2,500 |
| Memoranda: | ||
| Average total assets | $4,197,974,600 | 311 |
| Average earning assets | $3,888,259,600 | 303 |
| Average equity | $391,459,200 | 321 |
| Average total loans | $3,505,120,800 | 261 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5168% | 996 |
| Cost of funding earning assets | 1.8751% | 896 |
| Net interest margin | 3.6417% | 1,900 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.4743% | 2,309 |
| Loan and lease loss provision to assets | 0.3800% | 220 |
| Net operating income to assets | 1.0621% | 2,177 |
| Return on assets (ROA) | 1.0621% | 2,166 |
| Pretax return on assets | 1.3239% | 1,963 |
| Return on Equity (ROE) | 11.3700% | 2,286 |
| Retained earnings to average equity (ytd only) | -3.9517% | 4,397 |
| Net charge-offs to loans | 0.0220% | 1,662 |
| Credit loss provision to net charge-offs | 1,951.7606% | 240 |
| Earnings coverage of net charge-offs (x) | 92.3750% | 960 |
| Efficiency ratio | 56.9648% | 3,317 |
| Assets per employee ($millions) | 6.4428% | 2,364 |
| Cash dividends to net income (ytd only)* | 134.7461% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 1,751 |
| Loan loss allowance to noncurrent loans | 856.0823% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 2,043 |
| Noncurrent loans to loans | 0.1551% | 2,776 |
| Net loans and leases to total assets | 82.6000% | 387 |
| Net loans and leases to deposits | 94.6735% | 849 |
| Net loans and leases to core deposits | 108.2445% | 933 |
| Total domestic deposits to total assets | 87.2400% | 1,817 |
| Equity capital to assets | 9.2965% | 2,227 |
| Core capital (leverage) ratio | 9.5626% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0573% | 2,593 |
| Memoranda: | ||
| Average total assets | $4,099,129,750 | 317 |
| Average earning assets | $3,797,327,000 | 306 |
| Average equity | $382,811,500 | 327 |
| Average total loans | $3,448,428,250 | 268 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3435% | 1,024 |
| Cost of funding earning assets | 1.6771% | 918 |
| Net interest margin | 3.6663% | 1,886 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 2.5533% | 2,053 |
| Loan and lease loss provision to assets | 0.5400% | 133 |
| Net operating income to assets | 0.9499% | 2,590 |
| Return on assets (ROA) | 0.9499% | 2,577 |
| Pretax return on assets | 1.1712% | 2,439 |
| Return on Equity (ROE) | 10.1500% | 2,664 |
| Retained earnings to average equity (ytd only) | -11.2672% | 4,531 |
| Net charge-offs to loans | 0.0178% | 1,554 |
| Credit loss provision to net charge-offs | 3,172.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 114.1500% | 870 |
| Efficiency ratio | 57.6649% | 3,231 |
| Assets per employee ($millions) | 6.3756% | 2,408 |
| Cash dividends to net income (ytd only)* | 210.9593% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 1,834 |
| Loan loss allowance to noncurrent loans | 624.9347% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 1,896 |
| Noncurrent loans to loans | 0.2114% | 2,414 |
| Net loans and leases to total assets | 82.8600% | 339 |
| Net loans and leases to deposits | 95.5068% | 762 |
| Net loans and leases to core deposits | 106.7368% | 958 |
| Total domestic deposits to total assets | 86.7500% | 2,010 |
| Equity capital to assets | 9.3797% | 2,242 |
| Core capital (leverage) ratio | 9.5416% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9855% | 2,632 |
| Memoranda: | ||
| Average total assets | $3,992,263,333 | 311 |
| Average earning assets | $3,700,970,333 | 301 |
| Average equity | $373,455,667 | 320 |
| Average total loans | $3,364,691,667 | 262 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9939% | 1,234 |
| Cost of funding earning assets | 1.4962% | 853 |
| Net interest margin | 3.4976% | 2,373 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.5539% | 2,097 |
| Loan and lease loss provision to assets | 1.0500% | 64 |
| Net operating income to assets | 0.2985% | 4,252 |
| Return on assets (ROA) | 0.2985% | 4,214 |
| Pretax return on assets | 0.3335% | 4,230 |
| Return on Equity (ROE) | 3.2000% | 4,159 |
| Retained earnings to average equity (ytd only) | -37.0211% | 4,654 |
| Net charge-offs to loans | 0.0127% | 1,477 |
| Credit loss provision to net charge-offs | 6,975.7282% | 67 |
| Earnings coverage of net charge-offs (x) | 128.8155% | 672 |
| Efficiency ratio | 62.6961% | 2,609 |
| Assets per employee ($millions) | 6.1406% | 2,642 |
| Cash dividends to net income (ytd only)* | 1,258.3013% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 1,975 |
| Loan loss allowance to noncurrent loans | 617.6152% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 1,674 |
| Noncurrent loans to loans | 0.2125% | 2,409 |
| Net loans and leases to total assets | 80.9400% | 462 |
| Net loans and leases to deposits | 91.1617% | 968 |
| Net loans and leases to core deposits | 99.5617% | 1,110 |
| Total domestic deposits to total assets | 88.7900% | 1,618 |
| Equity capital to assets | 9.3337% | 2,273 |
| Core capital (leverage) ratio | 10.5759% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8681% | 2,765 |
| Memoranda: | ||
| Average total assets | $3,833,439,500 | 335 |
| Average earning assets | $3,556,366,000 | 321 |
| Average equity | $358,055,000 | 346 |
| Average total loans | $3,237,611,000 | 279 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 765 |
| Cost of funding earning assets | 0.7716% | 431 |
| Net interest margin | 3.6982% | 1,379 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.2202% | 2,974 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.4206% | 1,075 |
| Return on assets (ROA) | 1.4206% | 1,037 |
| Pretax return on assets | 1.7953% | 744 |
| Return on Equity (ROE) | 14.8800% | 1,284 |
| Retained earnings to average equity (ytd only) | 4.8426% | 3,120 |
| Net charge-offs to loans | 0.0144% | 1,843 |
| Credit loss provision to net charge-offs | 1,323.5443% | 353 |
| Earnings coverage of net charge-offs (x) | 167.2329% | 735 |
| Efficiency ratio | 50.9512% | 4,068 |
| Assets per employee ($millions) | 6.3638% | 2,454 |
| Cash dividends to net income (ytd only)* | 67.4602% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,136 |
| Loan loss allowance to noncurrent loans | 782.5261% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 2,205 |
| Noncurrent loans to loans | 0.1599% | 2,696 |
| Net loans and leases to total assets | 86.3800% | 136 |
| Net loans and leases to deposits | 98.0030% | 521 |
| Net loans and leases to core deposits | 107.8409% | 679 |
| Total domestic deposits to total assets | 88.1400% | 2,022 |
| Equity capital to assets | 9.3485% | 2,113 |
| Core capital (leverage) ratio | 9.8150% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2044% | 2,673 |
| Memoranda: | ||
| Average total assets | $3,234,669,000 | 369 |
| Average earning assets | $3,012,220,200 | 361 |
| Average equity | $308,780,000 | 381 |
| Average total loans | $2,738,975,800 | 298 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 742 |
| Cost of funding earning assets | 0.5780% | 489 |
| Net interest margin | 3.7205% | 1,092 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.2461% | 2,802 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 1.3953% | 1,106 |
| Return on assets (ROA) | 1.3953% | 1,075 |
| Pretax return on assets | 1.7590% | 800 |
| Return on Equity (ROE) | 14.5400% | 1,278 |
| Retained earnings to average equity (ytd only) | 2.7694% | 3,843 |
| Net charge-offs to loans | 0.0047% | 2,011 |
| Credit loss provision to net charge-offs | 5,118.9474% | 110 |
| Earnings coverage of net charge-offs (x) | 514.7368% | 304 |
| Efficiency ratio | 51.2004% | 4,066 |
| Assets per employee ($millions) | 6.4490% | 2,364 |
| Cash dividends to net income (ytd only)* | 80.9474% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,227 |
| Loan loss allowance to noncurrent loans | 959.6820% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 2,448 |
| Noncurrent loans to loans | 0.1310% | 2,981 |
| Net loans and leases to total assets | 85.9900% | 124 |
| Net loans and leases to deposits | 102.7018% | 275 |
| Net loans and leases to core deposits | 109.1238% | 494 |
| Total domestic deposits to total assets | 83.7300% | 3,555 |
| Equity capital to assets | 9.0878% | 2,146 |
| Core capital (leverage) ratio | 9.9881% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0960% | 2,790 |
| Memoranda: | ||
| Average total assets | $3,187,398,500 | 374 |
| Average earning assets | $2,966,937,750 | 366 |
| Average equity | $305,958,000 | 386 |
| Average total loans | $2,674,965,250 | 300 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 662 |
| Cost of funding earning assets | 0.4576% | 669 |
| Net interest margin | 3.7222% | 876 |
| Noninterest income to average assets | 0.8358% | 974 |
| Noninterest expense to average assets | 2.2963% | 2,559 |
| Loan and lease loss provision to assets | 0.1152% | 870 |
| Net operating income to assets | 1.4949% | 720 |
| Return on assets (ROA) | 1.4949% | 699 |
| Pretax return on assets | 1.8902% | 476 |
| Return on Equity (ROE) | 15.2757% | 839 |
| Retained earnings to average equity (ytd only) | 0.1643% | 4,158 |
| Net charge-offs to loans | 0.0055% | 1,804 |
| Credit loss provision to net charge-offs | 863.3803% | 454 |
| Earnings coverage of net charge-offs (x) | 439.2817% | 287 |
| Efficiency ratio | 52.2376% | 4,111 |
| Assets per employee ($millions) | 5.9601% | 2,780 |
| Cash dividends to net income (ytd only)* | 98.9247% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,583 |
| Loan loss allowance to noncurrent loans | 806.0223% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 2,347 |
| Noncurrent loans to loans | 0.1514% | 2,938 |
| Net loans and leases to total assets | 84.2417% | 179 |
| Net loans and leases to deposits | 95.1173% | 472 |
| Net loans and leases to core deposits | 100.9000% | 636 |
| Total domestic deposits to total assets | 88.5662% | 2,347 |
| Equity capital to assets | 9.6137% | 1,931 |
| Core capital (leverage) ratio | 10.2152% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9002% | 2,531 |
| Memoranda: | ||
| Average total assets | $3,110,537,333 | 375 |
| Average earning assets | $2,896,268,000 | 369 |
| Average equity | $304,404,667 | 387 |
| Average total loans | $2,574,417,000 | 304 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 764 |
| Cost of funding earning assets | 0.4257% | 753 |
| Net interest margin | 3.5797% | 929 |
| Noninterest income to average assets | 0.7372% | 1,199 |
| Noninterest expense to average assets | 2.2759% | 2,591 |
| Loan and lease loss provision to assets | 0.2021% | 360 |
| Net operating income to assets | 1.2738% | 1,063 |
| Return on assets (ROA) | 1.2738% | 1,056 |
| Pretax return on assets | 1.5923% | 837 |
| Return on Equity (ROE) | 12.8981% | 1,063 |
| Retained earnings to average equity (ytd only) | -12.1570% | 4,600 |
| Net charge-offs to loans | 0.0096% | 1,402 |
| Credit loss provision to net charge-offs | 1,753.3333% | 236 |
| Earnings coverage of net charge-offs (x) | 229.6500% | 393 |
| Efficiency ratio | 54.7528% | 4,004 |
| Assets per employee ($millions) | 6.2011% | 2,631 |
| Cash dividends to net income (ytd only)* | 194.2542% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,423 |
| Loan loss allowance to noncurrent loans | 866.5894% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 2,330 |
| Noncurrent loans to loans | 0.1486% | 3,063 |
| Net loans and leases to total assets | 79.6766% | 251 |
| Net loans and leases to deposits | 89.9535% | 512 |
| Net loans and leases to core deposits | 95.7485% | 668 |
| Total domestic deposits to total assets | 88.5753% | 2,265 |
| Equity capital to assets | 9.5021% | 2,281 |
| Core capital (leverage) ratio | 10.3135% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0739% | 2,583 |
| Memoranda: | ||
| Average total assets | $3,071,467,000 | 384 |
| Average earning assets | $2,859,929,500 | 379 |
| Average equity | $303,332,500 | 394 |
| Average total loans | $2,501,930,500 | 308 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 676 |
| Cost of funding earning assets | 0.5247% | 814 |
| Net interest margin | 3.9078% | 844 |
| Noninterest income to average assets | 0.8213% | 1,400 |
| Noninterest expense to average assets | 2.2069% | 3,058 |
| Loan and lease loss provision to assets | -0.1220% | 4,585 |
| Net operating income to assets | 1.8658% | 444 |
| Return on assets (ROA) | 1.8684% | 469 |
| Pretax return on assets | 2.3687% | 314 |
| Return on Equity (ROE) | 18.0331% | 465 |
| Retained earnings to average equity (ytd only) | 12.7289% | 436 |
| Net charge-offs to loans | 0.0122% | 2,107 |
| Credit loss provision to net charge-offs | -969.4545% | 3,912 |
| Earnings coverage of net charge-offs (x) | 222.6618% | 502 |
| Efficiency ratio | 48.4757% | 4,377 |
| Assets per employee ($millions) | 6.0290% | 2,739 |
| Cash dividends to net income (ytd only)* | 29.4141% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 2,093 |
| Loan loss allowance to noncurrent loans | 1,097.8400% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 2,797 |
| Noncurrent loans to loans | 0.1239% | 3,309 |
| Net loans and leases to total assets | 81.1636% | 216 |
| Net loans and leases to deposits | 92.2809% | 453 |
| Net loans and leases to core deposits | 98.0518% | 609 |
| Total domestic deposits to total assets | 87.9527% | 2,070 |
| Equity capital to assets | 10.2921% | 2,382 |
| Core capital (leverage) ratio | 10.6473% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5069% | 2,449 |
| Memoranda: | ||
| Average total assets | $2,729,371,000 | 403 |
| Average earning assets | $2,534,691,600 | 399 |
| Average equity | $282,790,600 | 410 |
| Average total loans | $2,246,716,400 | 329 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 681 |
| Cost of funding earning assets | 0.5561% | 802 |
| Net interest margin | 3.9411% | 869 |
| Noninterest income to average assets | 0.8252% | 1,457 |
| Noninterest expense to average assets | 2.2209% | 3,004 |
| Loan and lease loss provision to assets | -0.1653% | 4,704 |
| Net operating income to assets | 1.9136% | 542 |
| Return on assets (ROA) | 1.9172% | 559 |
| Pretax return on assets | 2.4284% | 374 |
| Return on Equity (ROE) | 18.4703% | 573 |
| Retained earnings to average equity (ytd only) | 13.2083% | 608 |
| Net charge-offs to loans | 0.0157% | 1,768 |
| Credit loss provision to net charge-offs | -1,021.4559% | 3,859 |
| Earnings coverage of net charge-offs (x) | 174.2874% | 610 |
| Efficiency ratio | 48.4537% | 4,332 |
| Assets per employee ($millions) | 5.6656% | 3,025 |
| Cash dividends to net income (ytd only)* | 28.4893% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,913 |
| Loan loss allowance to noncurrent loans | 530.6212% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 2,233 |
| Noncurrent loans to loans | 0.2688% | 2,843 |
| Net loans and leases to total assets | 82.5453% | 163 |
| Net loans and leases to deposits | 94.7711% | 386 |
| Net loans and leases to core deposits | 101.0796% | 552 |
| Total domestic deposits to total assets | 87.0996% | 2,317 |
| Equity capital to assets | 10.7354% | 2,231 |
| Core capital (leverage) ratio | 10.7533% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8906% | 2,398 |
| Memoranda: | ||
| Average total assets | $2,685,222,500 | 410 |
| Average earning assets | $2,489,850,500 | 406 |
| Average equity | $278,717,250 | 416 |
| Average total loans | $2,210,617,000 | 340 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 795 |
| Cost of funding earning assets | 0.5892% | 782 |
| Net interest margin | 3.8555% | 1,055 |
| Noninterest income to average assets | 0.8274% | 1,460 |
| Noninterest expense to average assets | 2.2098% | 3,060 |
| Loan and lease loss provision to assets | -0.2264% | 4,784 |
| Net operating income to assets | 1.9111% | 574 |
| Return on assets (ROA) | 1.9164% | 597 |
| Pretax return on assets | 2.4213% | 402 |
| Return on Equity (ROE) | 18.6805% | 576 |
| Retained earnings to average equity (ytd only) | 13.5729% | 621 |
| Net charge-offs to loans | 0.0239% | 1,471 |
| Credit loss provision to net charge-offs | -761.3027% | 3,585 |
| Earnings coverage of net charge-offs (x) | 112.0077% | 700 |
| Efficiency ratio | 49.0929% | 4,312 |
| Assets per employee ($millions) | 5.5874% | 3,031 |
| Cash dividends to net income (ytd only)* | 27.3416% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,630 |
| Loan loss allowance to noncurrent loans | 566.0590% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 2,414 |
| Noncurrent loans to loans | 0.2628% | 2,998 |
| Net loans and leases to total assets | 81.8685% | 224 |
| Net loans and leases to deposits | 94.3501% | 441 |
| Net loans and leases to core deposits | 100.7105% | 640 |
| Total domestic deposits to total assets | 86.7709% | 2,437 |
| Equity capital to assets | 10.5487% | 2,355 |
| Core capital (leverage) ratio | 10.4325% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9572% | 2,382 |
| Memoranda: | ||
| Average total assets | $2,671,915,667 | 410 |
| Average earning assets | $2,474,501,667 | 404 |
| Average equity | $274,104,667 | 420 |
| Average total loans | $2,186,815,667 | 341 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 883 |
| Cost of funding earning assets | 0.6205% | 796 |
| Net interest margin | 3.8001% | 1,138 |
| Noninterest income to average assets | 0.7901% | 1,606 |
| Noninterest expense to average assets | 2.1519% | 3,266 |
| Loan and lease loss provision to assets | -0.0614% | 4,669 |
| Net operating income to assets | 1.7459% | 873 |
| Return on assets (ROA) | 1.7565% | 900 |
| Pretax return on assets | 2.2310% | 655 |
| Return on Equity (ROE) | 17.3700% | 798 |
| Retained earnings to average equity (ytd only) | 12.9158% | 930 |
| Net charge-offs to loans | 0.0449% | 1,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 59.0947% | 830 |
| Efficiency ratio | 48.7732% | 4,278 |
| Assets per employee ($millions) | 5.7115% | 2,896 |
| Cash dividends to net income (ytd only)* | 25.6432% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 1,232 |
| Loan loss allowance to noncurrent loans | 521.3408% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 2,415 |
| Noncurrent loans to loans | 0.3114% | 2,988 |
| Net loans and leases to total assets | 78.5265% | 433 |
| Net loans and leases to deposits | 90.0833% | 692 |
| Net loans and leases to core deposits | 96.3797% | 867 |
| Total domestic deposits to total assets | 87.1711% | 2,243 |
| Equity capital to assets | 10.0443% | 2,668 |
| Core capital (leverage) ratio | 10.2308% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1979% | 2,207 |
| Memoranda: | ||
| Average total assets | $2,664,106,000 | 407 |
| Average earning assets | $2,466,271,500 | 404 |
| Average equity | $269,407,000 | 418 |
| Average total loans | $2,163,490,500 | 346 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 716 |
| Cost of funding earning assets | 0.9231% | 792 |
| Net interest margin | 3.8920% | 1,240 |
| Noninterest income to average assets | 0.8378% | 1,427 |
| Noninterest expense to average assets | 2.3468% | 3,280 |
| Loan and lease loss provision to assets | 0.2476% | 1,556 |
| Net operating income to assets | 1.4518% | 915 |
| Return on assets (ROA) | 1.4518% | 994 |
| Pretax return on assets | 1.8220% | 653 |
| Return on Equity (ROE) | 14.0488% | 803 |
| Retained earnings to average equity (ytd only) | 0.7008% | 4,316 |
| Net charge-offs to loans | 0.0374% | 2,307 |
| Credit loss provision to net charge-offs | 781.5621% | 922 |
| Earnings coverage of net charge-offs (x) | 65.3201% | 1,024 |
| Efficiency ratio | 51.6622% | 4,407 |
| Assets per employee ($millions) | 5.4707% | 2,872 |
| Cash dividends to net income (ytd only)* | 95.0119% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 1,184 |
| Loan loss allowance to noncurrent loans | 425.8223% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 2,312 |
| Noncurrent loans to loans | 0.3862% | 2,825 |
| Net loans and leases to total assets | 81.2942% | 342 |
| Net loans and leases to deposits | 93.5224% | 685 |
| Net loans and leases to core deposits | 101.0445% | 856 |
| Total domestic deposits to total assets | 86.9248% | 1,976 |
| Equity capital to assets | 10.1835% | 2,947 |
| Core capital (leverage) ratio | 10.2671% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7437% | 2,339 |
| Memoranda: | ||
| Average total assets | $2,464,950,200 | 406 |
| Average earning assets | $2,266,468,400 | 393 |
| Average equity | $254,719,200 | 414 |
| Average total loans | $2,088,882,000 | 346 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 809 |
| Cost of funding earning assets | 0.9984% | 764 |
| Net interest margin | 3.8498% | 1,479 |
| Noninterest income to average assets | 0.7599% | 1,619 |
| Noninterest expense to average assets | 2.3785% | 3,200 |
| Loan and lease loss provision to assets | 0.3015% | 1,338 |
| Net operating income to assets | 1.2914% | 1,376 |
| Return on assets (ROA) | 1.2914% | 1,479 |
| Pretax return on assets | 1.6162% | 1,146 |
| Return on Equity (ROE) | 12.4486% | 1,259 |
| Retained earnings to average equity (ytd only) | -4.2201% | 4,820 |
| Net charge-offs to loans | 0.0358% | 2,118 |
| Credit loss provision to net charge-offs | 986.1759% | 836 |
| Earnings coverage of net charge-offs (x) | 62.7181% | 1,068 |
| Efficiency ratio | 53.7413% | 4,176 |
| Assets per employee ($millions) | 5.2635% | 2,932 |
| Cash dividends to net income (ytd only)* | 133.9001% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,087 |
| Loan loss allowance to noncurrent loans | 399.8063% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 2,410 |
| Noncurrent loans to loans | 0.4015% | 2,855 |
| Net loans and leases to total assets | 85.1175% | 202 |
| Net loans and leases to deposits | 99.0443% | 573 |
| Net loans and leases to core deposits | 107.8771% | 771 |
| Total domestic deposits to total assets | 85.9388% | 2,096 |
| Equity capital to assets | 10.1452% | 3,107 |
| Core capital (leverage) ratio | 9.8714% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0643% | 2,591 |
| Memoranda: | ||
| Average total assets | $2,428,804,750 | 399 |
| Average earning assets | $2,231,050,000 | 390 |
| Average equity | $251,963,750 | 408 |
| Average total loans | $2,071,885,250 | 340 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 960 |
| Cost of funding earning assets | 1.0862% | 739 |
| Net interest margin | 3.8235% | 1,766 |
| Noninterest income to average assets | 0.6702% | 1,858 |
| Noninterest expense to average assets | 2.4085% | 3,244 |
| Loan and lease loss provision to assets | 0.3939% | 1,034 |
| Net operating income to assets | 1.1118% | 1,929 |
| Return on assets (ROA) | 1.1119% | 2,047 |
| Pretax return on assets | 1.3716% | 1,798 |
| Return on Equity (ROE) | 10.6358% | 1,759 |
| Retained earnings to average equity (ytd only) | -12.5167% | 4,953 |
| Net charge-offs to loans | 0.0387% | 1,971 |
| Credit loss provision to net charge-offs | 1,197.7157% | 703 |
| Earnings coverage of net charge-offs (x) | 53.6853% | 1,053 |
| Efficiency ratio | 55.9259% | 3,956 |
| Assets per employee ($millions) | 5.3239% | 2,809 |
| Cash dividends to net income (ytd only)* | 217.6850% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 2,732 |
| Loan loss allowance to noncurrent loans | 290.3893% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 2,540 |
| Noncurrent loans to loans | 0.3995% | 2,973 |
| Net loans and leases to total assets | 84.7001% | 203 |
| Net loans and leases to deposits | 97.8306% | 665 |
| Net loans and leases to core deposits | 106.6502% | 866 |
| Total domestic deposits to total assets | 86.5783% | 1,778 |
| Equity capital to assets | 10.1074% | 3,107 |
| Core capital (leverage) ratio | 9.6605% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8840% | 2,655 |
| Memoranda: | ||
| Average total assets | $2,396,251,333 | 396 |
| Average earning assets | $2,195,867,000 | 390 |
| Average equity | $250,513,333 | 409 |
| Average total loans | $2,033,998,333 | 342 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9583% | 1,051 |
| Cost of funding earning assets | 1.2392% | 678 |
| Net interest margin | 3.7191% | 2,267 |
| Noninterest income to average assets | 0.6441% | 1,851 |
| Noninterest expense to average assets | 2.4086% | 3,522 |
| Loan and lease loss provision to assets | 0.4893% | 604 |
| Net operating income to assets | 0.9345% | 2,402 |
| Return on assets (ROA) | 0.9346% | 2,510 |
| Pretax return on assets | 1.1418% | 2,390 |
| Return on Equity (ROE) | 8.7817% | 2,201 |
| Retained earnings to average equity (ytd only) | 4.7490% | 2,391 |
| Net charge-offs to loans | 0.0319% | 1,750 |
| Credit loss provision to net charge-offs | 1,815.2866% | 363 |
| Earnings coverage of net charge-offs (x) | 60.5096% | 800 |
| Efficiency ratio | 57.7518% | 4,033 |
| Assets per employee ($millions) | 5.0668% | 2,573 |
| Cash dividends to net income (ytd only)* | 45.9221% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,773 |
| Loan loss allowance to noncurrent loans | 205.7053% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 2,123 |
| Noncurrent loans to loans | 0.5739% | 2,561 |
| Net loans and leases to total assets | 83.3415% | 314 |
| Net loans and leases to deposits | 99.5833% | 586 |
| Net loans and leases to core deposits | 108.9414% | 903 |
| Total domestic deposits to total assets | 83.6902% | 2,889 |
| Equity capital to assets | 10.5684% | 3,260 |
| Core capital (leverage) ratio | 10.5085% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9416% | 2,733 |
| Memoranda: | ||
| Average total assets | $2,329,957,500 | 392 |
| Average earning assets | $2,127,170,000 | 394 |
| Average equity | $247,969,500 | 413 |
| Average total loans | $1,967,463,500 | 339 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 1,046 |
| Cost of funding earning assets | 1.3437% | 672 |
| Net interest margin | 3.8341% | 2,389 |
| Noninterest income to average assets | 0.7297% | 1,707 |
| Noninterest expense to average assets | 2.3736% | 3,755 |
| Loan and lease loss provision to assets | 0.1045% | 1,978 |
| Net operating income to assets | 1.4123% | 1,304 |
| Return on assets (ROA) | 1.4211% | 1,347 |
| Pretax return on assets | 1.7736% | 1,012 |
| Return on Equity (ROE) | 13.5008% | 1,009 |
| Retained earnings to average equity (ytd only) | 9.6507% | 560 |
| Net charge-offs to loans | 0.0283% | 2,830 |
| Credit loss provision to net charge-offs | 437.9245% | 654 |
| Earnings coverage of net charge-offs (x) | 78.2340% | 805 |
| Efficiency ratio | 54.0775% | 4,415 |
| Assets per employee ($millions) | 4.9865% | 2,618 |
| Cash dividends to net income (ytd only)* | 28.5180% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,098 |
| Loan loss allowance to noncurrent loans | 199.7505% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 2,058 |
| Noncurrent loans to loans | 0.5361% | 2,567 |
| Net loans and leases to total assets | 83.6443% | 352 |
| Net loans and leases to deposits | 100.0405% | 605 |
| Net loans and leases to core deposits | 110.2089% | 838 |
| Total domestic deposits to total assets | 83.6105% | 2,992 |
| Equity capital to assets | 10.7189% | 3,242 |
| Core capital (leverage) ratio | 10.5578% | 2,901 |
| Tier 1 risk-based capital ratio | 11.8971% | 4,424 |
| Total risk-based capital ratio | 13.0138% | 4,366 |
| Memoranda: | ||
| Average total assets | $2,220,751,200 | 388 |
| Average earning assets | $2,033,639,600 | 385 |
| Average equity | $233,755,800 | 414 |
| Average total loans | $1,873,684,600 | 341 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 1,055 |
| Cost of funding earning assets | 1.3416% | 690 |
| Net interest margin | 3.8521% | 2,422 |
| Noninterest income to average assets | 0.7296% | 1,663 |
| Noninterest expense to average assets | 2.3793% | 3,745 |
| Loan and lease loss provision to assets | 0.1171% | 1,667 |
| Net operating income to assets | 1.4116% | 1,428 |
| Return on assets (ROA) | 1.4235% | 1,457 |
| Pretax return on assets | 1.7762% | 1,148 |
| Return on Equity (ROE) | 13.5883% | 1,084 |
| Retained earnings to average equity (ytd only) | 9.8300% | 796 |
| Net charge-offs to loans | 0.0177% | 2,780 |
| Credit loss provision to net charge-offs | 785.7724% | 438 |
| Earnings coverage of net charge-offs (x) | 126.0698% | 625 |
| Efficiency ratio | 53.9705% | 4,396 |
| Assets per employee ($millions) | 4.8972% | 2,664 |
| Cash dividends to net income (ytd only)* | 27.6584% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 3,067 |
| Loan loss allowance to noncurrent loans | 147.7070% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7972% | 1,732 |
| Noncurrent loans to loans | 0.7398% | 2,115 |
| Net loans and leases to total assets | 83.7579% | 377 |
| Net loans and leases to deposits | 99.7583% | 656 |
| Net loans and leases to core deposits | 109.9793% | 952 |
| Total domestic deposits to total assets | 83.9608% | 2,837 |
| Equity capital to assets | 10.7507% | 3,330 |
| Core capital (leverage) ratio | 10.4865% | 3,117 |
| Tier 1 risk-based capital ratio | 11.7533% | 4,542 |
| Total risk-based capital ratio | 12.8612% | 4,514 |
| Memoranda: | ||
| Average total assets | $2,201,247,750 | 392 |
| Average earning assets | $2,016,074,250 | 386 |
| Average equity | $230,594,250 | 424 |
| Average total loans | $1,856,212,750 | 347 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1368% | 1,134 |
| Cost of funding earning assets | 1.3145% | 707 |
| Net interest margin | 3.8223% | 2,508 |
| Noninterest income to average assets | 0.6973% | 1,723 |
| Noninterest expense to average assets | 2.3779% | 3,795 |
| Loan and lease loss provision to assets | 0.0947% | 1,956 |
| Net operating income to assets | 1.3846% | 1,475 |
| Return on assets (ROA) | 1.4025% | 1,486 |
| Pretax return on assets | 1.7462% | 1,178 |
| Return on Equity (ROE) | 13.5089% | 1,101 |
| Retained earnings to average equity (ytd only) | 9.9887% | 758 |
| Net charge-offs to loans | 0.0170% | 2,544 |
| Credit loss provision to net charge-offs | 660.5096% | 489 |
| Earnings coverage of net charge-offs (x) | 126.7834% | 574 |
| Efficiency ratio | 54.6994% | 4,389 |
| Assets per employee ($millions) | 4.8478% | 2,670 |
| Cash dividends to net income (ytd only)* | 26.0586% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,255 |
| Loan loss allowance to noncurrent loans | 94.7176% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 1,202 |
| Noncurrent loans to loans | 1.1259% | 1,451 |
| Net loans and leases to total assets | 83.8935% | 367 |
| Net loans and leases to deposits | 97.0848% | 926 |
| Net loans and leases to core deposits | 107.3827% | 1,150 |
| Total domestic deposits to total assets | 86.4126% | 1,850 |
| Equity capital to assets | 10.6646% | 3,369 |
| Core capital (leverage) ratio | 10.3810% | 3,210 |
| Tier 1 risk-based capital ratio | 11.7118% | 4,563 |
| Total risk-based capital ratio | 12.8113% | 4,545 |
| Memoranda: | ||
| Average total assets | $2,188,988,000 | 397 |
| Average earning assets | $2,003,957,670 | 388 |
| Average equity | $227,257,670 | 427 |
| Average total loans | $1,843,205,330 | 350 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 1,161 |
| Cost of funding earning assets | 1.2764% | 711 |
| Net interest margin | 3.7958% | 2,542 |
| Noninterest income to average assets | 0.6882% | 1,652 |
| Noninterest expense to average assets | 2.4133% | 3,738 |
| Loan and lease loss provision to assets | 0.0900% | 1,910 |
| Net operating income to assets | 1.3319% | 1,591 |
| Return on assets (ROA) | 1.3676% | 1,506 |
| Pretax return on assets | 1.7011% | 1,204 |
| Return on Equity (ROE) | 13.3567% | 1,125 |
| Retained earnings to average equity (ytd only) | 9.7777% | 1,090 |
| Net charge-offs to loans | 0.0175% | 2,121 |
| Credit loss provision to net charge-offs | 613.7500% | 532 |
| Earnings coverage of net charge-offs (x) | 119.1375% | 597 |
| Efficiency ratio | 55.9819% | 4,335 |
| Assets per employee ($millions) | 4.8514% | 2,703 |
| Cash dividends to net income (ytd only)* | 26.7953% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,387 |
| Loan loss allowance to noncurrent loans | 78.6324% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.3065% | 997 |
| Noncurrent loans to loans | 1.3412% | 1,211 |
| Net loans and leases to total assets | 84.0817% | 368 |
| Net loans and leases to deposits | 96.7911% | 906 |
| Net loans and leases to core deposits | 108.1191% | 1,044 |
| Total domestic deposits to total assets | 86.8692% | 1,880 |
| Equity capital to assets | 10.4674% | 3,374 |
| Core capital (leverage) ratio | 10.1900% | 3,398 |
| Tier 1 risk-based capital ratio | 11.4333% | 4,772 |
| Total risk-based capital ratio | 12.5151% | 4,766 |
| Memoranda: | ||
| Average total assets | $2,183,035,500 | 398 |
| Average earning assets | $1,996,504,500 | 394 |
| Average equity | $223,528,500 | 430 |
| Average total loans | $1,831,653,500 | 354 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8735% | 1,357 |
| Cost of funding earning assets | 1.0173% | 710 |
| Net interest margin | 3.8563% | 2,479 |
| Noninterest income to average assets | 0.7640% | 1,588 |
| Noninterest expense to average assets | 2.4221% | 3,825 |
| Loan and lease loss provision to assets | 0.1309% | 1,677 |
| Net operating income to assets | 1.3580% | 1,584 |
| Return on assets (ROA) | 1.3702% | 1,520 |
| Pretax return on assets | 1.7428% | 1,062 |
| Return on Equity (ROE) | 13.2558% | 1,248 |
| Retained earnings to average equity (ytd only) | 2.1871% | 4,280 |
| Net charge-offs to loans | 0.0233% | 2,942 |
| Credit loss provision to net charge-offs | 669.4149% | 517 |
| Earnings coverage of net charge-offs (x) | 95.0346% | 762 |
| Efficiency ratio | 54.7262% | 4,553 |
| Assets per employee ($millions) | 4.8297% | 2,696 |
| Cash dividends to net income (ytd only)* | 83.5010% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 3,421 |
| Loan loss allowance to noncurrent loans | 84.6294% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.2001% | 1,089 |
| Noncurrent loans to loans | 1.2347% | 1,288 |
| Net loans and leases to total assets | 81.9786% | 653 |
| Net loans and leases to deposits | 99.7945% | 760 |
| Net loans and leases to core deposits | 109.9961% | 1,001 |
| Total domestic deposits to total assets | 82.1474% | 3,606 |
| Equity capital to assets | 10.0143% | 3,672 |
| Core capital (leverage) ratio | 10.6976% | 2,840 |
| Tier 1 risk-based capital ratio | 11.0990% | 4,926 |
| Total risk-based capital ratio | 12.1576% | 4,905 |
| Memoranda: | ||
| Average total assets | $1,922,906,600 | 427 |
| Average earning assets | $1,753,436,000 | 429 |
| Average equity | $198,758,000 | 454 |
| Average total loans | $1,610,918,000 | 386 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 1,174 |
| Cost of funding earning assets | 0.9565% | 726 |
| Net interest margin | 3.9365% | 2,172 |
| Noninterest income to average assets | 0.7684% | 1,587 |
| Noninterest expense to average assets | 2.4837% | 3,636 |
| Loan and lease loss provision to assets | 0.1595% | 1,212 |
| Net operating income to assets | 1.3358% | 1,717 |
| Return on assets (ROA) | 1.3527% | 1,663 |
| Pretax return on assets | 1.7369% | 1,188 |
| Return on Equity (ROE) | 12.9669% | 1,445 |
| Retained earnings to average equity (ytd only) | 9.5204% | 1,045 |
| Net charge-offs to loans | 0.0252% | 2,616 |
| Credit loss provision to net charge-offs | 751.8644% | 507 |
| Earnings coverage of net charge-offs (x) | 88.3974% | 829 |
| Efficiency ratio | 55.0728% | 4,501 |
| Assets per employee ($millions) | 4.8730% | 2,628 |
| Cash dividends to net income (ytd only)* | 26.5788% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 2,944 |
| Loan loss allowance to noncurrent loans | 248.6436% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 2,255 |
| Noncurrent loans to loans | 0.4600% | 3,007 |
| Net loans and leases to total assets | 83.9534% | 457 |
| Net loans and leases to deposits | 101.5035% | 676 |
| Net loans and leases to core deposits | 113.2070% | 858 |
| Total domestic deposits to total assets | 82.7098% | 3,399 |
| Equity capital to assets | 10.4836% | 3,163 |
| Core capital (leverage) ratio | 10.6670% | 2,917 |
| Tier 1 risk-based capital ratio | 11.7804% | 4,614 |
| Total risk-based capital ratio | 12.9514% | 4,558 |
| Memoranda: | ||
| Average total assets | $1,854,259,000 | 440 |
| Average earning assets | $1,691,210,000 | 441 |
| Average equity | $193,431,750 | 461 |
| Average total loans | $1,558,522,500 | 390 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7917% | 1,271 |
| Cost of funding earning assets | 0.9024% | 726 |
| Net interest margin | 3.8893% | 2,241 |
| Noninterest income to average assets | 0.7840% | 1,522 |
| Noninterest expense to average assets | 2.5280% | 3,557 |
| Loan and lease loss provision to assets | 0.1682% | 1,095 |
| Net operating income to assets | 1.2434% | 2,010 |
| Return on assets (ROA) | 1.2691% | 1,904 |
| Pretax return on assets | 1.6623% | 1,311 |
| Return on Equity (ROE) | 12.1868% | 1,658 |
| Retained earnings to average equity (ytd only) | 9.0340% | 1,208 |
| Net charge-offs to loans | 0.0248% | 2,363 |
| Credit loss provision to net charge-offs | 808.9474% | 497 |
| Earnings coverage of net charge-offs (x) | 86.4684% | 781 |
| Efficiency ratio | 56.5118% | 4,415 |
| Assets per employee ($millions) | 4.7761% | 2,711 |
| Cash dividends to net income (ytd only)* | 25.8710% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 2,969 |
| Loan loss allowance to noncurrent loans | 198.5826% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 2,150 |
| Noncurrent loans to loans | 0.5799% | 2,684 |
| Net loans and leases to total assets | 83.2916% | 546 |
| Net loans and leases to deposits | 98.4318% | 937 |
| Net loans and leases to core deposits | 118.3794% | 614 |
| Total domestic deposits to total assets | 84.6186% | 2,832 |
| Equity capital to assets | 10.5415% | 3,075 |
| Core capital (leverage) ratio | 10.6036% | 2,921 |
| Tier 1 risk-based capital ratio | 11.9952% | 4,499 |
| Total risk-based capital ratio | 13.1845% | 4,414 |
| Memoranda: | ||
| Average total assets | $1,827,481,330 | 448 |
| Average earning assets | $1,664,260,000 | 446 |
| Average equity | $190,304,000 | 461 |
| Average total loans | $1,530,381,330 | 393 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 1,119 |
| Cost of funding earning assets | 0.8537% | 753 |
| Net interest margin | 3.9299% | 1,930 |
| Noninterest income to average assets | 0.7970% | 1,462 |
| Noninterest expense to average assets | 2.6353% | 3,230 |
| Loan and lease loss provision to assets | 0.1220% | 1,549 |
| Net operating income to assets | 1.2005% | 2,000 |
| Return on assets (ROA) | 1.2450% | 1,843 |
| Pretax return on assets | 1.6708% | 1,188 |
| Return on Equity (ROE) | 12.0327% | 1,570 |
| Retained earnings to average equity (ytd only) | 8.8160% | 1,530 |
| Net charge-offs to loans | 0.0409% | 1,715 |
| Credit loss provision to net charge-offs | 357.1429% | 728 |
| Earnings coverage of net charge-offs (x) | 50.8182% | 937 |
| Efficiency ratio | 58.4327% | 4,291 |
| Assets per employee ($millions) | 4.8215% | 2,713 |
| Cash dividends to net income (ytd only)* | 26.7332% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,260 |
| Loan loss allowance to noncurrent loans | 277.6295% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 2,651 |
| Noncurrent loans to loans | 0.4038% | 3,336 |
| Net loans and leases to total assets | 82.8763% | 551 |
| Net loans and leases to deposits | 96.2445% | 1,010 |
| Net loans and leases to core deposits | 116.1105% | 724 |
| Total domestic deposits to total assets | 86.1102% | 2,499 |
| Equity capital to assets | 10.5536% | 3,020 |
| Core capital (leverage) ratio | 10.7444% | 2,695 |
| Tier 1 risk-based capital ratio | 11.8455% | 4,654 |
| Total risk-based capital ratio | 13.0007% | 4,591 |
| Memoranda: | ||
| Average total assets | $1,802,724,000 | 455 |
| Average earning assets | $1,639,838,500 | 458 |
| Average equity | $186,524,500 | 478 |
| Average total loans | $1,504,775,000 | 401 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 1,301 |
| Cost of funding earning assets | 0.7662% | 756 |
| Net interest margin | 3.8869% | 2,124 |
| Noninterest income to average assets | 0.7266% | 1,860 |
| Noninterest expense to average assets | 2.4865% | 3,828 |
| Loan and lease loss provision to assets | 0.1383% | 1,654 |
| Net operating income to assets | 1.1567% | 1,659 |
| Return on assets (ROA) | 1.1583% | 1,681 |
| Pretax return on assets | 1.6368% | 1,201 |
| Return on Equity (ROE) | 11.8104% | 1,265 |
| Retained earnings to average equity (ytd only) | 8.7034% | 557 |
| Net charge-offs to loans | 0.0289% | 3,232 |
| Credit loss provision to net charge-offs | 575.8883% | 556 |
| Earnings coverage of net charge-offs (x) | 73.8299% | 814 |
| Efficiency ratio | 56.7300% | 4,690 |
| Assets per employee ($millions) | 4.6661% | 2,922 |
| Cash dividends to net income (ytd only)* | 26.3075% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 3,075 |
| Loan loss allowance to noncurrent loans | 230.4865% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 2,470 |
| Noncurrent loans to loans | 0.4979% | 3,033 |
| Net loans and leases to total assets | 82.1614% | 660 |
| Net loans and leases to deposits | 95.6038% | 1,122 |
| Net loans and leases to core deposits | 115.6822% | 730 |
| Total domestic deposits to total assets | 85.9395% | 2,466 |
| Equity capital to assets | 10.1320% | 3,560 |
| Core capital (leverage) ratio | 10.0179% | 3,435 |
| Tier 1 risk-based capital ratio | 11.2521% | 5,013 |
| Total risk-based capital ratio | 12.3995% | 4,945 |
| Memoranda: | ||
| Average total assets | $1,640,841,600 | 479 |
| Average earning assets | $1,491,307,400 | 481 |
| Average equity | $160,926,400 | 515 |
| Average total loans | $1,362,995,000 | 414 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 1,472 |
| Cost of funding earning assets | 0.7381% | 808 |
| Net interest margin | 3.8231% | 2,308 |
| Noninterest income to average assets | 0.7123% | 1,946 |
| Noninterest expense to average assets | 2.5049% | 3,714 |
| Loan and lease loss provision to assets | 0.1348% | 1,608 |
| Net operating income to assets | 1.1163% | 2,012 |
| Return on assets (ROA) | 1.1163% | 2,079 |
| Pretax return on assets | 1.5498% | 1,579 |
| Return on Equity (ROE) | 11.4866% | 1,495 |
| Retained earnings to average equity (ytd only) | 8.5022% | 1,017 |
| Net charge-offs to loans | 0.0261% | 2,917 |
| Credit loss provision to net charge-offs | 620.9924% | 527 |
| Earnings coverage of net charge-offs (x) | 77.5926% | 827 |
| Efficiency ratio | 58.1988% | 4,473 |
| Assets per employee ($millions) | 4.5830% | 2,995 |
| Cash dividends to net income (ytd only)* | 25.9817% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 3,406 |
| Loan loss allowance to noncurrent loans | 626.7050% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 3,689 |
| Noncurrent loans to loans | 0.1780% | 4,358 |
| Net loans and leases to total assets | 82.5825% | 592 |
| Net loans and leases to deposits | 97.7900% | 939 |
| Net loans and leases to core deposits | 117.9256% | 659 |
| Total domestic deposits to total assets | 84.4488% | 2,938 |
| Equity capital to assets | 10.0214% | 3,888 |
| Core capital (leverage) ratio | 9.9508% | 3,628 |
| Tier 1 risk-based capital ratio | 10.9670% | 5,263 |
| Total risk-based capital ratio | 12.0863% | 5,238 |
| Memoranda: | ||
| Average total assets | $1,608,942,250 | 493 |
| Average earning assets | $1,463,359,500 | 491 |
| Average equity | $156,363,250 | 531 |
| Average total loans | $1,336,283,250 | 424 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 1,672 |
| Cost of funding earning assets | 0.7040% | 876 |
| Net interest margin | 3.7445% | 2,493 |
| Noninterest income to average assets | 0.6657% | 2,144 |
| Noninterest expense to average assets | 2.4968% | 3,762 |
| Loan and lease loss provision to assets | 0.0973% | 2,059 |
| Net operating income to assets | 1.0644% | 2,146 |
| Return on assets (ROA) | 1.0644% | 2,189 |
| Pretax return on assets | 1.4751% | 1,737 |
| Return on Equity (ROE) | 11.0818% | 1,614 |
| Retained earnings to average equity (ytd only) | 8.4125% | 1,026 |
| Net charge-offs to loans | 0.0329% | 2,538 |
| Credit loss provision to net charge-offs | 356.3380% | 860 |
| Earnings coverage of net charge-offs (x) | 57.5869% | 978 |
| Efficiency ratio | 59.9219% | 4,325 |
| Assets per employee ($millions) | 5.1824% | 2,174 |
| Cash dividends to net income (ytd only)* | 24.0877% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,588 |
| Loan loss allowance to noncurrent loans | 481.6491% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,649 |
| Noncurrent loans to loans | 0.2283% | 4,212 |
| Net loans and leases to total assets | 82.2271% | 636 |
| Net loans and leases to deposits | 95.3135% | 1,138 |
| Net loans and leases to core deposits | 115.0418% | 752 |
| Total domestic deposits to total assets | 86.2701% | 2,260 |
| Equity capital to assets | 10.1303% | 3,761 |
| Core capital (leverage) ratio | 10.9772% | 2,437 |
| Tier 1 risk-based capital ratio | 11.0479% | 5,230 |
| Total risk-based capital ratio | 12.1472% | 5,218 |
| Memoranda: | ||
| Average total assets | $1,560,160,670 | 508 |
| Average earning assets | $1,418,090,670 | 505 |
| Average equity | $149,849,330 | 551 |
| Average total loans | $1,293,072,000 | 436 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 1,464 |
| Cost of funding earning assets | 0.7003% | 844 |
| Net interest margin | 3.7616% | 2,258 |
| Noninterest income to average assets | 0.7928% | 1,581 |
| Noninterest expense to average assets | 2.5554% | 3,639 |
| Loan and lease loss provision to assets | 0.1009% | 1,876 |
| Net operating income to assets | 1.1286% | 1,756 |
| Return on assets (ROA) | 1.1286% | 1,792 |
| Pretax return on assets | 1.5503% | 1,379 |
| Return on Equity (ROE) | 12.1291% | 1,197 |
| Retained earnings to average equity (ytd only) | 9.2447% | 1,001 |
| Net charge-offs to loans | 0.0577% | 1,757 |
| Credit loss provision to net charge-offs | 211.2360% | 985 |
| Earnings coverage of net charge-offs (x) | 34.5618% | 1,134 |
| Efficiency ratio | 59.2931% | 4,561 |
| Assets per employee ($millions) | 4.4943% | 3,171 |
| Cash dividends to net income (ytd only)* | 23.7812% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,980 |
| Loan loss allowance to noncurrent loans | 472.7669% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 3,447 |
| Noncurrent loans to loans | 0.2589% | 4,190 |
| Net loans and leases to total assets | 82.1606% | 548 |
| Net loans and leases to deposits | 96.0218% | 933 |
| Net loans and leases to core deposits | 116.9582% | 562 |
| Total domestic deposits to total assets | 85.5645% | 2,854 |
| Equity capital to assets | 9.4154% | 4,378 |
| Core capital (leverage) ratio | 9.3376% | 4,294 |
| Tier 1 risk-based capital ratio | 10.5682% | 5,513 |
| Total risk-based capital ratio | 11.8006% | 5,443 |
| Memoranda: | ||
| Average total assets | $1,490,320,500 | 525 |
| Average earning assets | $1,352,515,500 | 520 |
| Average equity | $138,674,500 | 581 |
| Average total loans | $1,232,974,000 | 452 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6038% | 1,275 |
| Cost of funding earning assets | 0.7228% | 733 |
| Net interest margin | 3.8810% | 2,027 |
| Noninterest income to average assets | 0.7389% | 1,998 |
| Noninterest expense to average assets | 2.4518% | 4,159 |
| Loan and lease loss provision to assets | 0.2108% | 1,074 |
| Net operating income to assets | 1.1221% | 1,811 |
| Return on assets (ROA) | 1.1223% | 1,896 |
| Pretax return on assets | 1.6019% | 1,271 |
| Return on Equity (ROE) | 11.9513% | 1,260 |
| Retained earnings to average equity (ytd only) | 9.0673% | 576 |
| Net charge-offs to loans | 0.0985% | 2,306 |
| Credit loss provision to net charge-offs | 259.5092% | 1,113 |
| Earnings coverage of net charge-offs (x) | 22.3111% | 1,738 |
| Efficiency ratio | 55.9763% | 5,072 |
| Assets per employee ($millions) | 4.6084% | 2,945 |
| Cash dividends to net income (ytd only)* | 24.1309% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,978 |
| Loan loss allowance to noncurrent loans | 265.0636% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 2,918 |
| Noncurrent loans to loans | 0.4618% | 3,505 |
| Net loans and leases to total assets | 81.2774% | 699 |
| Net loans and leases to deposits | 99.4860% | 703 |
| Net loans and leases to core deposits | 122.9837% | 406 |
| Total domestic deposits to total assets | 81.6974% | 4,150 |
| Equity capital to assets | 9.1944% | 4,589 |
| Core capital (leverage) ratio | 9.1817% | 4,502 |
| Tier 1 risk-based capital ratio | 10.5063% | 5,570 |
| Total risk-based capital ratio | 11.7226% | 5,521 |
| Memoranda: | ||
| Average total assets | $1,404,611,200 | 532 |
| Average earning assets | $1,275,894,600 | 534 |
| Average equity | $131,902,200 | 608 |
| Average total loans | $1,158,670,000 | 452 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 1,281 |
| Cost of funding earning assets | 0.7273% | 708 |
| Net interest margin | 3.8776% | 2,061 |
| Noninterest income to average assets | 0.7383% | 2,013 |
| Noninterest expense to average assets | 2.4883% | 4,018 |
| Loan and lease loss provision to assets | 0.2220% | 925 |
| Net operating income to assets | 1.0857% | 2,062 |
| Return on assets (ROA) | 1.0860% | 2,159 |
| Pretax return on assets | 1.5567% | 1,516 |
| Return on Equity (ROE) | 11.5001% | 1,492 |
| Retained earnings to average equity (ytd only) | 8.6429% | 927 |
| Net charge-offs to loans | 0.1191% | 1,759 |
| Credit loss provision to net charge-offs | 225.8824% | 1,304 |
| Earnings coverage of net charge-offs (x) | 18.0921% | 2,016 |
| Efficiency ratio | 56.7757% | 4,984 |
| Assets per employee ($millions) | 4.5666% | 2,981 |
| Cash dividends to net income (ytd only)* | 24.8447% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 3,322 |
| Loan loss allowance to noncurrent loans | 287.3956% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 3,228 |
| Noncurrent loans to loans | 0.4129% | 3,795 |
| Net loans and leases to total assets | 82.1194% | 603 |
| Net loans and leases to deposits | 102.7532% | 520 |
| Net loans and leases to core deposits | 127.1434% | 350 |
| Total domestic deposits to total assets | 79.9191% | 4,526 |
| Equity capital to assets | 9.2297% | 4,945 |
| Core capital (leverage) ratio | 9.1989% | 4,589 |
| Tier 1 risk-based capital ratio | 10.2807% | 5,708 |
| Total risk-based capital ratio | 11.4675% | 5,670 |
| Memoranda: | ||
| Average total assets | $1,383,632,750 | 541 |
| Average earning assets | $1,258,975,000 | 539 |
| Average equity | $130,662,500 | 613 |
| Average total loans | $1,142,130,750 | 458 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 1,300 |
| Cost of funding earning assets | 0.7266% | 698 |
| Net interest margin | 3.8563% | 2,118 |
| Noninterest income to average assets | 0.7319% | 1,996 |
| Noninterest expense to average assets | 2.4484% | 4,190 |
| Loan and lease loss provision to assets | 0.2035% | 1,052 |
| Net operating income to assets | 1.0863% | 2,006 |
| Return on assets (ROA) | 1.0868% | 2,137 |
| Pretax return on assets | 1.5918% | 1,393 |
| Return on Equity (ROE) | 11.4159% | 1,506 |
| Retained earnings to average equity (ytd only) | 8.6278% | 959 |
| Net charge-offs to loans | 0.1361% | 1,515 |
| Credit loss provision to net charge-offs | 181.5789% | 1,394 |
| Earnings coverage of net charge-offs (x) | 16.0118% | 1,955 |
| Efficiency ratio | 56.1205% | 5,134 |
| Assets per employee ($millions) | 4.3611% | 3,281 |
| Cash dividends to net income (ytd only)* | 24.4233% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 3,364 |
| Loan loss allowance to noncurrent loans | 243.6572% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6404% | 3,078 |
| Noncurrent loans to loans | 0.4925% | 3,602 |
| Net loans and leases to total assets | 81.1081% | 730 |
| Net loans and leases to deposits | 100.9499% | 631 |
| Net loans and leases to core deposits | 114.9768% | 680 |
| Total domestic deposits to total assets | 80.3449% | 4,467 |
| Equity capital to assets | 9.4676% | 4,801 |
| Core capital (leverage) ratio | 9.3711% | 4,372 |
| Tier 1 risk-based capital ratio | 10.3313% | 5,747 |
| Total risk-based capital ratio | 11.5004% | 5,698 |
| Memoranda: | ||
| Average total assets | $1,356,217,000 | 550 |
| Average earning assets | $1,234,805,330 | 547 |
| Average equity | $129,118,000 | 622 |
| Average total loans | $1,116,765,000 | 464 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 1,313 |
| Cost of funding earning assets | 0.7240% | 718 |
| Net interest margin | 3.8552% | 2,083 |
| Noninterest income to average assets | 0.7024% | 2,033 |
| Noninterest expense to average assets | 2.5052% | 4,055 |
| Loan and lease loss provision to assets | 0.1688% | 1,220 |
| Net operating income to assets | 1.0519% | 2,079 |
| Return on assets (ROA) | 1.0519% | 2,188 |
| Pretax return on assets | 1.5495% | 1,440 |
| Return on Equity (ROE) | 11.0167% | 1,594 |
| Retained earnings to average equity (ytd only) | 8.1911% | 1,379 |
| Net charge-offs to loans | 0.0149% | 2,643 |
| Credit loss provision to net charge-offs | 1,373.1707% | 302 |
| Earnings coverage of net charge-offs (x) | 139.8049% | 426 |
| Efficiency ratio | 57.6975% | 5,033 |
| Assets per employee ($millions) | 4.2739% | 3,447 |
| Cash dividends to net income (ytd only)* | 25.6483% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 3,278 |
| Loan loss allowance to noncurrent loans | 276.1242% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 3,229 |
| Noncurrent loans to loans | 0.4474% | 3,837 |
| Net loans and leases to total assets | 81.8371% | 582 |
| Net loans and leases to deposits | 97.4325% | 805 |
| Net loans and leases to core deposits | 111.5925% | 774 |
| Total domestic deposits to total assets | 83.9937% | 3,523 |
| Equity capital to assets | 9.6336% | 4,528 |
| Core capital (leverage) ratio | 9.4479% | 4,279 |
| Tier 1 risk-based capital ratio | 10.5635% | 5,724 |
| Total risk-based capital ratio | 11.7861% | 5,638 |
| Memoranda: | ||
| Average total assets | $1,334,362,500 | 556 |
| Average earning assets | $1,218,728,000 | 556 |
| Average equity | $127,407,000 | 628 |
| Average total loans | $1,100,525,500 | 463 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 1,047 |
| Cost of funding earning assets | 0.7197% | 738 |
| Net interest margin | 4.0093% | 1,687 |
| Noninterest income to average assets | 0.7009% | 2,198 |
| Noninterest expense to average assets | 2.4544% | 4,377 |
| Loan and lease loss provision to assets | 0.2002% | 1,072 |
| Net operating income to assets | 1.1768% | 1,640 |
| Return on assets (ROA) | 1.1770% | 1,715 |
| Pretax return on assets | 1.7128% | 964 |
| Return on Equity (ROE) | 11.2853% | 1,517 |
| Retained earnings to average equity (ytd only) | -5.9217% | 5,954 |
| Net charge-offs to loans | 0.0372% | 3,479 |
| Credit loss provision to net charge-offs | 659.0909% | 509 |
| Earnings coverage of net charge-offs (x) | 62.9823% | 841 |
| Efficiency ratio | 54.0680% | 5,517 |
| Assets per employee ($millions) | 4.2797% | 3,431 |
| Cash dividends to net income (ytd only)* | 152.4728% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 3,450 |
| Loan loss allowance to noncurrent loans | 339.3971% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 3,401 |
| Noncurrent loans to loans | 0.3552% | 4,186 |
| Net loans and leases to total assets | 81.0992% | 696 |
| Net loans and leases to deposits | 96.5131% | 954 |
| Net loans and leases to core deposits | 110.0470% | 851 |
| Total domestic deposits to total assets | 84.0292% | 3,466 |
| Equity capital to assets | 9.4622% | 4,595 |
| Core capital (leverage) ratio | 9.3669% | 4,375 |
| Tier 1 risk-based capital ratio | 10.5931% | 5,734 |
| Total risk-based capital ratio | 11.7934% | 5,673 |
| Memoranda: | ||
| Average total assets | $1,303,953,000 | 551 |
| Average earning assets | $1,192,390,000 | 546 |
| Average equity | $135,991,400 | 554 |
| Average total loans | $1,064,822,200 | 452 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 1,056 |
| Cost of funding earning assets | 0.7162% | 775 |
| Net interest margin | 4.0080% | 1,673 |
| Noninterest income to average assets | 0.6832% | 2,311 |
| Noninterest expense to average assets | 2.4577% | 4,329 |
| Loan and lease loss provision to assets | 0.2173% | 880 |
| Net operating income to assets | 1.1456% | 1,845 |
| Return on assets (ROA) | 1.1458% | 1,910 |
| Pretax return on assets | 1.6775% | 1,169 |
| Return on Equity (ROE) | 10.7316% | 1,813 |
| Retained earnings to average equity (ytd only) | 8.3250% | 1,120 |
| Net charge-offs to loans | 0.0328% | 3,264 |
| Credit loss provision to net charge-offs | 813.0769% | 435 |
| Earnings coverage of net charge-offs (x) | 70.8919% | 808 |
| Efficiency ratio | 54.2120% | 5,493 |
| Assets per employee ($millions) | 4.2077% | 3,504 |
| Cash dividends to net income (ytd only)* | 22.4255% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 3,747 |
| Loan loss allowance to noncurrent loans | 314.5593% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 3,330 |
| Noncurrent loans to loans | 0.3765% | 4,266 |
| Net loans and leases to total assets | 81.4359% | 649 |
| Net loans and leases to deposits | 101.0068% | 606 |
| Net loans and leases to core deposits | 112.9375% | 713 |
| Total domestic deposits to total assets | 80.6242% | 4,573 |
| Equity capital to assets | 10.8749% | 3,161 |
| Core capital (leverage) ratio | 10.7848% | 2,735 |
| Tier 1 risk-based capital ratio | 12.6341% | 4,663 |
| Total risk-based capital ratio | 13.8588% | 4,583 |
| Memoranda: | ||
| Average total assets | $1,297,192,250 | 554 |
| Average earning assets | $1,187,467,000 | 546 |
| Average equity | $138,503,750 | 547 |
| Average total loans | $1,057,878,000 | 458 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7378% | 1,007 |
| Cost of funding earning assets | 0.7160% | 777 |
| Net interest margin | 4.0218% | 1,578 |
| Noninterest income to average assets | 0.6731% | 2,336 |
| Noninterest expense to average assets | 2.4612% | 4,362 |
| Loan and lease loss provision to assets | 0.2316% | 795 |
| Net operating income to assets | 1.1368% | 1,816 |
| Return on assets (ROA) | 1.1372% | 1,895 |
| Pretax return on assets | 1.6641% | 1,158 |
| Return on Equity (ROE) | 10.7176% | 1,774 |
| Retained earnings to average equity (ytd only) | 8.3832% | 1,123 |
| Net charge-offs to loans | 0.0297% | 3,072 |
| Credit loss provision to net charge-offs | 958.9744% | 376 |
| Earnings coverage of net charge-offs (x) | 78.4808% | 716 |
| Efficiency ratio | 54.2001% | 5,567 |
| Assets per employee ($millions) | 4.0669% | 3,754 |
| Cash dividends to net income (ytd only)* | 21.7806% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 4,060 |
| Loan loss allowance to noncurrent loans | 323.4613% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 3,510 |
| Noncurrent loans to loans | 0.3568% | 4,427 |
| Net loans and leases to total assets | 81.4335% | 618 |
| Net loans and leases to deposits | 99.7162% | 684 |
| Net loans and leases to core deposits | 110.6235% | 800 |
| Total domestic deposits to total assets | 81.6652% | 4,399 |
| Equity capital to assets | 10.7931% | 3,118 |
| Core capital (leverage) ratio | 10.6491% | 2,789 |
| Tier 1 risk-based capital ratio | 12.6163% | 4,735 |
| Total risk-based capital ratio | 13.8160% | 4,680 |
| Memoranda: | ||
| Average total assets | $1,291,991,330 | 551 |
| Average earning assets | $1,183,254,670 | 547 |
| Average equity | $137,083,330 | 553 |
| Average total loans | $1,049,871,000 | 463 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7431% | 959 |
| Cost of funding earning assets | 0.7078% | 829 |
| Net interest margin | 4.0353% | 1,453 |
| Noninterest income to average assets | 0.6390% | 2,458 |
| Noninterest expense to average assets | 2.4709% | 4,364 |
| Loan and lease loss provision to assets | 0.2593% | 623 |
| Net operating income to assets | 1.1129% | 1,825 |
| Return on assets (ROA) | 1.1136% | 1,928 |
| Pretax return on assets | 1.6023% | 1,264 |
| Return on Equity (ROE) | 10.5865% | 1,770 |
| Retained earnings to average equity (ytd only) | 8.2307% | 1,480 |
| Net charge-offs to loans | 0.0200% | 2,755 |
| Credit loss provision to net charge-offs | 1,609.6154% | 235 |
| Earnings coverage of net charge-offs (x) | 115.5192% | 433 |
| Efficiency ratio | 54.7340% | 5,616 |
| Assets per employee ($millions) | 4.0884% | 3,781 |
| Cash dividends to net income (ytd only)* | 22.2531% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 4,481 |
| Loan loss allowance to noncurrent loans | 270.8256% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 3,487 |
| Noncurrent loans to loans | 0.4086% | 4,364 |
| Net loans and leases to total assets | 80.9799% | 571 |
| Net loans and leases to deposits | 98.9832% | 624 |
| Net loans and leases to core deposits | 110.0488% | 746 |
| Total domestic deposits to total assets | 81.8118% | 4,564 |
| Equity capital to assets | 10.6006% | 3,426 |
| Core capital (leverage) ratio | 10.4437% | 3,039 |
| Tier 1 risk-based capital ratio | 12.0338% | 5,211 |
| Total risk-based capital ratio | 13.0871% | 5,238 |
| Memoranda: | ||
| Average total assets | $1,291,357,500 | 544 |
| Average earning assets | $1,181,675,500 | 547 |
| Average equity | $135,833,500 | 558 |
| Average total loans | $1,042,084,500 | 465 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 4,422 |
| Cost of funding earning assets | 0.6357% | 1,508 |
| Net interest margin | 3.1859% | 4,971 |
| Noninterest income to average assets | 0.5468% | 3,190 |
| Noninterest expense to average assets | 2.0270% | 5,719 |
| Loan and lease loss provision to assets | 0.1438% | 1,844 |
| Net operating income to assets | 0.9302% | 2,723 |
| Return on assets (ROA) | 0.9305% | 2,809 |
| Pretax return on assets | 1.2974% | 2,249 |
| Return on Equity (ROE) | 8.9207% | 2,632 |
| Retained earnings to average equity (ytd only) | -0.9635% | 5,915 |
| Net charge-offs to loans | 0.0704% | 3,470 |
| Credit loss provision to net charge-offs | 261.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 26.1514% | 1,473 |
| Efficiency ratio | 56.5602% | 5,611 |
| Assets per employee ($millions) | 3.9228% | 4,115 |
| Cash dividends to net income (ytd only)* | 110.8010% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 4,685 |
| Loan loss allowance to noncurrent loans | 234.1453% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 3,527 |
| Noncurrent loans to loans | 0.4575% | 4,280 |
| Net loans and leases to total assets | 78.6474% | 927 |
| Net loans and leases to deposits | 95.1494% | 975 |
| Net loans and leases to core deposits | 106.6037% | 977 |
| Total domestic deposits to total assets | 82.6567% | 4,197 |
| Equity capital to assets | 10.4361% | 3,565 |
| Core capital (leverage) ratio | 11.6378% | 1,878 |
| Tier 1 risk-based capital ratio | 13.2457% | 4,566 |
| Total risk-based capital ratio | 14.4508% | 4,512 |
| Memoranda: | ||
| Average total assets | $1,270,579,200 | 530 |
| Average earning assets | $1,164,906,600 | 535 |
| Average equity | $132,534,000 | 549 |
| Average total loans | $993,969,600 | 461 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 1,264 |
| Cost of funding earning assets | 0.7998% | 686 |
| Net interest margin | 3.9207% | 2,156 |
| Noninterest income to average assets | 0.6679% | 2,483 |
| Noninterest expense to average assets | 2.4782% | 4,598 |
| Loan and lease loss provision to assets | 0.1777% | 1,386 |
| Net operating income to assets | 1.1564% | 1,839 |
| Return on assets (ROA) | 1.1567% | 1,901 |
| Pretax return on assets | 1.6059% | 1,311 |
| Return on Equity (ROE) | 11.2121% | 1,711 |
| Retained earnings to average equity (ytd only) | -4.7293% | 6,243 |
| Net charge-offs to loans | 0.1155% | 2,646 |
| Credit loss provision to net charge-offs | 193.1686% | 1,301 |
| Earnings coverage of net charge-offs (x) | 19.3837% | 1,788 |
| Efficiency ratio | 56.2912% | 5,634 |
| Assets per employee ($millions) | 4.5488% | 2,883 |
| Cash dividends to net income (ytd only)* | 142.1801% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 4,497 |
| Loan loss allowance to noncurrent loans | 779.3269% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 4,757 |
| Noncurrent loans to loans | 0.1476% | 5,475 |
| Net loans and leases to total assets | 79.8661% | 727 |
| Net loans and leases to deposits | 101.3034% | 536 |
| Net loans and leases to core deposits | 114.7454% | 558 |
| Total domestic deposits to total assets | 78.8385% | 5,361 |
| Equity capital to assets | 9.6449% | 4,614 |
| Core capital (leverage) ratio | 9.5488% | 4,305 |
| Tier 1 risk-based capital ratio | 12.3327% | 5,275 |
| Total risk-based capital ratio | 13.5834% | 5,205 |
| Memoranda: | ||
| Average total assets | $997,156,000 | 676 |
| Average earning assets | $913,928,000 | 667 |
| Average equity | $102,874,750 | 707 |
| Average total loans | $794,457,000 | 552 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 1,273 |
| Cost of funding earning assets | 0.8095% | 670 |
| Net interest margin | 3.8942% | 2,191 |
| Noninterest income to average assets | 0.6797% | 2,380 |
| Noninterest expense to average assets | 2.5467% | 4,431 |
| Loan and lease loss provision to assets | 0.1735% | 1,409 |
| Net operating income to assets | 1.1085% | 1,907 |
| Return on assets (ROA) | 1.1087% | 1,980 |
| Pretax return on assets | 1.5216% | 1,470 |
| Return on Equity (ROE) | 10.5032% | 1,938 |
| Retained earnings to average equity (ytd only) | 7.6055% | 1,479 |
| Net charge-offs to loans | 0.1741% | 1,996 |
| Credit loss provision to net charge-offs | 125.7016% | 1,654 |
| Earnings coverage of net charge-offs (x) | 12.2777% | 2,076 |
| Efficiency ratio | 58.1511% | 5,537 |
| Assets per employee ($millions) | 4.4696% | 2,968 |
| Cash dividends to net income (ytd only)* | 27.5887% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 4,676 |
| Loan loss allowance to noncurrent loans | 663.7276% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 4,733 |
| Noncurrent loans to loans | 0.1727% | 5,490 |
| Net loans and leases to total assets | 78.6978% | 827 |
| Net loans and leases to deposits | 100.8795% | 512 |
| Net loans and leases to core deposits | 111.1448% | 644 |
| Total domestic deposits to total assets | 78.0117% | 5,627 |
| Equity capital to assets | 10.6773% | 3,221 |
| Core capital (leverage) ratio | 10.6941% | 2,728 |
| Tier 1 risk-based capital ratio | 13.8145% | 4,381 |
| Total risk-based capital ratio | 15.0650% | 4,333 |
| Memoranda: | ||
| Average total assets | $980,797,000 | 686 |
| Average earning assets | $897,135,670 | 677 |
| Average equity | $103,530,330 | 705 |
| Average total loans | $777,505,670 | 562 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 1,294 |
| Cost of funding earning assets | 0.8188% | 676 |
| Net interest margin | 3.8665% | 2,209 |
| Noninterest income to average assets | 0.6254% | 2,594 |
| Noninterest expense to average assets | 2.6409% | 4,145 |
| Loan and lease loss provision to assets | 0.1050% | 2,172 |
| Net operating income to assets | 1.0288% | 2,086 |
| Return on assets (ROA) | 1.0267% | 2,171 |
| Pretax return on assets | 1.4076% | 1,719 |
| Return on Equity (ROE) | 9.7854% | 2,118 |
| Retained earnings to average equity (ytd only) | 6.8189% | 2,137 |
| Net charge-offs to loans | 0.3416% | 1,049 |
| Credit loss provision to net charge-offs | 38.8633% | 2,307 |
| Earnings coverage of net charge-offs (x) | 5.6098% | 2,353 |
| Efficiency ratio | 61.6813% | 5,176 |
| Assets per employee ($millions) | 4.6329% | 2,753 |
| Cash dividends to net income (ytd only)* | 30.3153% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 5,017 |
| Loan loss allowance to noncurrent loans | 432.8351% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 4,532 |
| Noncurrent loans to loans | 0.2595% | 5,323 |
| Net loans and leases to total assets | 77.4915% | 819 |
| Net loans and leases to deposits | 95.7472% | 672 |
| Net loans and leases to core deposits | 105.3657% | 778 |
| Total domestic deposits to total assets | 80.9334% | 5,254 |
| Equity capital to assets | 10.6631% | 3,078 |
| Core capital (leverage) ratio | 10.3399% | 3,130 |
| Tier 1 risk-based capital ratio | 14.0261% | 4,320 |
| Total risk-based capital ratio | 15.2764% | 4,255 |
| Memoranda: | ||
| Average total assets | $963,898,500 | 700 |
| Average earning assets | $880,271,000 | 699 |
| Average equity | $101,130,000 | 718 |
| Average total loans | $762,397,500 | 575 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 1,034 |
| Cost of funding earning assets | 0.9523% | 568 |
| Net interest margin | 3.9797% | 2,006 |
| Noninterest income to average assets | 0.6564% | 2,774 |
| Noninterest expense to average assets | 2.3817% | 5,124 |
| Loan and lease loss provision to assets | 0.1752% | 2,108 |
| Net operating income to assets | 1.2647% | 1,348 |
| Return on assets (ROA) | 1.2744% | 1,373 |
| Pretax return on assets | 1.7566% | 840 |
| Return on Equity (ROE) | 11.9435% | 1,435 |
| Retained earnings to average equity (ytd only) | 8.5187% | 901 |
| Net charge-offs to loans | 0.0411% | 4,649 |
| Credit loss provision to net charge-offs | 526.7399% | 448 |
| Earnings coverage of net charge-offs (x) | 57.6923% | 709 |
| Efficiency ratio | 53.9998% | 6,135 |
| Assets per employee ($millions) | 4.7525% | 2,510 |
| Cash dividends to net income (ytd only)* | 28.6752% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 4,614 |
| Loan loss allowance to noncurrent loans | 556.6789% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 4,744 |
| Noncurrent loans to loans | 0.2172% | 5,533 |
| Net loans and leases to total assets | 78.8883% | 727 |
| Net loans and leases to deposits | 100.5140% | 457 |
| Net loans and leases to core deposits | 113.0185% | 498 |
| Total domestic deposits to total assets | 78.4849% | 5,741 |
| Equity capital to assets | 10.3121% | 3,386 |
| Core capital (leverage) ratio | 10.4990% | 2,923 |
| Tier 1 risk-based capital ratio | 13.5310% | 4,634 |
| Total risk-based capital ratio | 14.7822% | 4,576 |
| Memoranda: | ||
| Average total assets | $820,940,600 | 809 |
| Average earning assets | $751,631,200 | 804 |
| Average equity | $87,595,800 | 803 |
| Average total loans | $664,104,000 | 634 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 1,045 |
| Cost of funding earning assets | 0.9808% | 546 |
| Net interest margin | 3.9604% | 2,074 |
| Noninterest income to average assets | 0.6362% | 2,947 |
| Noninterest expense to average assets | 2.2693% | 5,438 |
| Loan and lease loss provision to assets | 0.1927% | 1,892 |
| Net operating income to assets | 1.3124% | 1,317 |
| Return on assets (ROA) | 1.3124% | 1,373 |
| Pretax return on assets | 1.8024% | 905 |
| Return on Equity (ROE) | 12.1777% | 1,426 |
| Retained earnings to average equity (ytd only) | 8.6582% | 1,170 |
| Net charge-offs to loans | 0.0556% | 4,114 |
| Credit loss provision to net charge-offs | 426.4925% | 623 |
| Earnings coverage of net charge-offs (x) | 44.1610% | 943 |
| Efficiency ratio | 51.9785% | 6,254 |
| Assets per employee ($millions) | 4.7614% | 2,486 |
| Cash dividends to net income (ytd only)* | 28.9018% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 4,434 |
| Loan loss allowance to noncurrent loans | 762.7927% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 5,153 |
| Noncurrent loans to loans | 0.1694% | 5,812 |
| Net loans and leases to total assets | 81.5565% | 401 |
| Net loans and leases to deposits | 103.1791% | 324 |
| Net loans and leases to core deposits | 115.6497% | 403 |
| Total domestic deposits to total assets | 79.0436% | 5,735 |
| Equity capital to assets | 10.5718% | 3,196 |
| Core capital (leverage) ratio | 10.9428% | 2,537 |
| Tier 1 risk-based capital ratio | 13.5556% | 4,722 |
| Total risk-based capital ratio | 14.8079% | 4,677 |
| Memoranda: | ||
| Average total assets | $790,926,500 | 848 |
| Average earning assets | $724,590,000 | 844 |
| Average equity | $85,235,500 | 843 |
| Average total loans | $642,274,500 | 658 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9600% | 978 |
| Cost of funding earning assets | 1.0047% | 533 |
| Net interest margin | 3.9553% | 2,026 |
| Noninterest income to average assets | 0.5800% | 3,317 |
| Noninterest expense to average assets | 2.2762% | 5,428 |
| Loan and lease loss provision to assets | 0.1649% | 2,265 |
| Net operating income to assets | 1.3005% | 1,321 |
| Return on assets (ROA) | 1.3005% | 1,407 |
| Pretax return on assets | 1.7608% | 997 |
| Return on Equity (ROE) | 11.9877% | 1,497 |
| Retained earnings to average equity (ytd only) | 8.4424% | 1,317 |
| Net charge-offs to loans | 0.0562% | 3,896 |
| Credit loss provision to net charge-offs | 363.2768% | 716 |
| Earnings coverage of net charge-offs (x) | 42.4294% | 891 |
| Efficiency ratio | 52.8956% | 6,227 |
| Assets per employee ($millions) | 4.5649% | 2,709 |
| Cash dividends to net income (ytd only)* | 29.5741% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 4,549 |
| Loan loss allowance to noncurrent loans | 583.5769% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 4,823 |
| Noncurrent loans to loans | 0.2214% | 5,749 |
| Net loans and leases to total assets | 81.1235% | 425 |
| Net loans and leases to deposits | 98.7216% | 501 |
| Net loans and leases to core deposits | 109.0858% | 598 |
| Total domestic deposits to total assets | 82.1740% | 4,995 |
| Equity capital to assets | 10.8643% | 2,882 |
| Core capital (leverage) ratio | 10.8720% | 2,479 |
| Tier 1 risk-based capital ratio | 13.8508% | 4,524 |
| Total risk-based capital ratio | 15.1032% | 4,495 |
| Memoranda: | ||
| Average total assets | $779,997,330 | 863 |
| Average earning assets | $714,235,330 | 857 |
| Average equity | $84,620,330 | 844 |
| Average total loans | $629,503,670 | 666 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 1,014 |
| Cost of funding earning assets | 1.0211% | 547 |
| Net interest margin | 3.9053% | 2,102 |
| Noninterest income to average assets | 0.5919% | 3,184 |
| Noninterest expense to average assets | 2.2680% | 5,509 |
| Loan and lease loss provision to assets | 0.1177% | 2,768 |
| Net operating income to assets | 1.3004% | 1,274 |
| Return on assets (ROA) | 1.3004% | 1,374 |
| Pretax return on assets | 1.7824% | 915 |
| Return on Equity (ROE) | 11.9956% | 1,426 |
| Retained earnings to average equity (ytd only) | 8.4255% | 1,594 |
| Net charge-offs to loans | 0.0252% | 3,683 |
| Credit loss provision to net charge-offs | 584.6154% | 465 |
| Earnings coverage of net charge-offs (x) | 94.4103% | 405 |
| Efficiency ratio | 53.1262% | 6,289 |
| Assets per employee ($millions) | 4.5739% | 2,843 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 4,648 |
| Loan loss allowance to noncurrent loans | 441.6667% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 4,682 |
| Noncurrent loans to loans | 0.2967% | 5,660 |
| Net loans and leases to total assets | 77.6201% | 652 |
| Net loans and leases to deposits | 94.3508% | 648 |
| Net loans and leases to core deposits | 102.7962% | 785 |
| Total domestic deposits to total assets | 82.2676% | 5,108 |
| Equity capital to assets | 10.7819% | 3,215 |
| Core capital (leverage) ratio | 10.7448% | 2,499 |
| Tier 1 risk-based capital ratio | 14.2386% | 4,332 |
| Total risk-based capital ratio | 15.4915% | 4,300 |
| Memoranda: | ||
| Average total assets | $775,129,000 | 873 |
| Average earning assets | $709,807,000 | 867 |
| Average equity | $84,031,000 | 858 |
| Average total loans | $619,732,500 | 677 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3811% | 787 |
| Cost of funding earning assets | 1.1806% | 632 |
| Net interest margin | 4.2005% | 1,662 |
| Noninterest income to average assets | 0.5741% | 3,423 |
| Noninterest expense to average assets | 2.3116% | 5,664 |
| Loan and lease loss provision to assets | 0.2659% | 2,515 |
| Net operating income to assets | 1.3201% | 1,256 |
| Return on assets (ROA) | 1.3201% | 1,386 |
| Pretax return on assets | 1.8795% | 782 |
| Return on Equity (ROE) | 12.4792% | 1,365 |
| Retained earnings to average equity (ytd only) | 9.2028% | 758 |
| Net charge-offs to loans | 0.1927% | 3,831 |
| Credit loss provision to net charge-offs | 177.8075% | 1,478 |
| Earnings coverage of net charge-offs (x) | 14.3440% | 1,741 |
| Efficiency ratio | 50.6176% | 6,548 |
| Assets per employee ($millions) | 4.4136% | 3,119 |
| Cash dividends to net income (ytd only)* | 26.2547% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 4,754 |
| Loan loss allowance to noncurrent loans | 358.8582% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 4,599 |
| Noncurrent loans to loans | 0.3556% | 5,596 |
| Net loans and leases to total assets | 80.2557% | 449 |
| Net loans and leases to deposits | 98.5054% | 480 |
| Net loans and leases to core deposits | 104.1026% | 785 |
| Total domestic deposits to total assets | 81.4735% | 5,264 |
| Equity capital to assets | 10.9017% | 3,061 |
| Core capital (leverage) ratio | 10.8720% | 2,368 |
| Tier 1 risk-based capital ratio | 13.7423% | 4,572 |
| Total risk-based capital ratio | 14.9944% | 4,525 |
| Memoranda: | ||
| Average total assets | $750,161,600 | 887 |
| Average earning assets | $693,440,800 | 875 |
| Average equity | $79,356,200 | 885 |
| Average total loans | $582,303,200 | 711 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4144% | 806 |
| Cost of funding earning assets | 1.2257% | 617 |
| Net interest margin | 4.1886% | 1,769 |
| Noninterest income to average assets | 0.5709% | 3,463 |
| Noninterest expense to average assets | 2.3157% | 5,648 |
| Loan and lease loss provision to assets | 0.2737% | 2,388 |
| Net operating income to assets | 1.3152% | 1,406 |
| Return on assets (ROA) | 1.3152% | 1,545 |
| Pretax return on assets | 1.8683% | 925 |
| Return on Equity (ROE) | 12.5310% | 1,453 |
| Retained earnings to average equity (ytd only) | 9.3842% | 1,099 |
| Net charge-offs to loans | 0.1162% | 4,216 |
| Credit loss provision to net charge-offs | 307.2144% | 877 |
| Earnings coverage of net charge-offs (x) | 24.0440% | 1,291 |
| Efficiency ratio | 50.6949% | 6,536 |
| Assets per employee ($millions) | 4.2081% | 3,456 |
| Cash dividends to net income (ytd only)* | 25.1120% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 4,705 |
| Loan loss allowance to noncurrent loans | 147.0610% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 4,479 |
| Noncurrent loans to loans | 0.9007% | 4,632 |
| Net loans and leases to total assets | 81.7498% | 365 |
| Net loans and leases to deposits | 102.4867% | 332 |
| Net loans and leases to core deposits | 108.0621% | 648 |
| Total domestic deposits to total assets | 79.7662% | 5,716 |
| Equity capital to assets | 11.0536% | 3,204 |
| Core capital (leverage) ratio | 10.8894% | 2,500 |
| Tier 1 risk-based capital ratio | 13.6229% | 4,799 |
| Total risk-based capital ratio | 14.8756% | 4,759 |
| Memoranda: | ||
| Average total assets | $746,813,750 | 899 |
| Average earning assets | $693,000,250 | 878 |
| Average equity | $78,385,250 | 904 |
| Average total loans | $572,700,250 | 722 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3850% | 893 |
| Cost of funding earning assets | 1.2827% | 566 |
| Net interest margin | 4.1023% | 2,082 |
| Noninterest income to average assets | 0.5457% | 3,609 |
| Noninterest expense to average assets | 2.3442% | 5,629 |
| Loan and lease loss provision to assets | 0.2460% | 2,599 |
| Net operating income to assets | 1.2606% | 1,543 |
| Return on assets (ROA) | 1.2606% | 1,710 |
| Pretax return on assets | 1.7748% | 1,088 |
| Return on Equity (ROE) | 12.2227% | 1,597 |
| Retained earnings to average equity (ytd only) | 9.3796% | 1,143 |
| Net charge-offs to loans | 0.1706% | 3,578 |
| Credit loss provision to net charge-offs | 193.0962% | 1,466 |
| Earnings coverage of net charge-offs (x) | 15.8598% | 1,622 |
| Efficiency ratio | 52.4275% | 6,467 |
| Assets per employee ($millions) | 4.1348% | 3,595 |
| Cash dividends to net income (ytd only)* | 23.2607% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 4,970 |
| Loan loss allowance to noncurrent loans | 312.4270% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 5,445 |
| Noncurrent loans to loans | 0.4105% | 5,714 |
| Net loans and leases to total assets | 78.8049% | 636 |
| Net loans and leases to deposits | 96.0988% | 627 |
| Net loans and leases to core deposits | 101.9375% | 981 |
| Total domestic deposits to total assets | 82.0040% | 5,130 |
| Equity capital to assets | 10.8264% | 3,313 |
| Core capital (leverage) ratio | 10.5240% | 2,776 |
| Tier 1 risk-based capital ratio | 13.9601% | 4,473 |
| Total risk-based capital ratio | 15.2125% | 4,441 |
| Memoranda: | ||
| Average total assets | $750,280,670 | 894 |
| Average earning assets | $698,527,000 | 868 |
| Average equity | $77,380,330 | 909 |
| Average total loans | $560,234,670 | 743 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5245% | 722 |
| Cost of funding earning assets | 1.3528% | 507 |
| Net interest margin | 4.1718% | 1,844 |
| Noninterest income to average assets | 0.5277% | 3,710 |
| Noninterest expense to average assets | 2.6012% | 4,809 |
| Loan and lease loss provision to assets | 0.1132% | 3,937 |
| Net operating income to assets | 1.1913% | 1,761 |
| Return on assets (ROA) | 1.1913% | 1,945 |
| Pretax return on assets | 1.7032% | 1,290 |
| Return on Equity (ROE) | 11.8346% | 1,720 |
| Retained earnings to average equity (ytd only) | 9.2187% | 1,509 |
| Net charge-offs to loans | 0.0022% | 4,718 |
| Credit loss provision to net charge-offs | 7,166.6667% | 30 |
| Earnings coverage of net charge-offs (x) | 1,149.6667% | 14 |
| Efficiency ratio | 57.6419% | 5,961 |
| Assets per employee ($millions) | 4.1894% | 3,601 |
| Cash dividends to net income (ytd only)* | 22.1043% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 4,897 |
| Loan loss allowance to noncurrent loans | 278.8705% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 5,618 |
| Noncurrent loans to loans | 0.4761% | 5,719 |
| Net loans and leases to total assets | 72.3400% | 1,340 |
| Net loans and leases to deposits | 87.7944% | 1,192 |
| Net loans and leases to core deposits | 94.6117% | 1,402 |
| Total domestic deposits to total assets | 82.3971% | 5,164 |
| Equity capital to assets | 10.3569% | 3,665 |
| Core capital (leverage) ratio | 9.8587% | 3,556 |
| Tier 1 risk-based capital ratio | 14.5381% | 4,073 |
| Total risk-based capital ratio | 15.7914% | 4,029 |
| Memoranda: | ||
| Average total assets | $759,490,000 | 880 |
| Average earning assets | $708,185,500 | 851 |
| Average equity | $76,453,500 | 912 |
| Average total loans | $548,234,500 | 760 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0498% | 399 |
| Cost of funding earning assets | 1.6218% | 436 |
| Net interest margin | 4.4280% | 1,317 |
| Noninterest income to average assets | 0.5468% | 3,532 |
| Noninterest expense to average assets | 2.2207% | 6,225 |
| Loan and lease loss provision to assets | 0.3263% | 3,075 |
| Net operating income to assets | 1.4685% | 890 |
| Return on assets (ROA) | 1.4685% | 966 |
| Pretax return on assets | 2.1599% | 396 |
| Return on Equity (ROE) | 16.0084% | 598 |
| Retained earnings to average equity (ytd only) | 12.0414% | 300 |
| Net charge-offs to loans | 0.1040% | 5,318 |
| Credit loss provision to net charge-offs | 399.1438% | 583 |
| Earnings coverage of net charge-offs (x) | 30.4161% | 834 |
| Efficiency ratio | 45.9395% | 7,046 |
| Assets per employee ($millions) | 4.4957% | 2,922 |
| Cash dividends to net income (ytd only)* | 24.7808% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 5,010 |
| Loan loss allowance to noncurrent loans | 1,735.7143% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 6,411 |
| Noncurrent loans to loans | 0.0739% | 6,632 |
| Net loans and leases to total assets | 70.1845% | 2,000 |
| Net loans and leases to deposits | 86.1231% | 1,652 |
| Net loans and leases to core deposits | 93.4455% | 1,755 |
| Total domestic deposits to total assets | 81.4932% | 5,294 |
| Equity capital to assets | 9.7863% | 4,458 |
| Core capital (leverage) ratio | 9.8999% | 3,457 |
| Tier 1 risk-based capital ratio | 14.2897% | 4,116 |
| Total risk-based capital ratio | 15.5424% | 4,079 |
| Memoranda: | ||
| Average total assets | $714,464,600 | 915 |
| Average earning assets | $671,225,400 | 885 |
| Average equity | $65,540,600 | 1,028 |
| Average total loans | $561,291,000 | 750 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1995% | 325 |
| Cost of funding earning assets | 1.6850% | 419 |
| Net interest margin | 4.5145% | 1,106 |
| Noninterest income to average assets | 0.5640% | 3,413 |
| Noninterest expense to average assets | 2.2632% | 6,136 |
| Loan and lease loss provision to assets | 0.3782% | 2,590 |
| Net operating income to assets | 1.4732% | 1,001 |
| Return on assets (ROA) | 1.4732% | 1,083 |
| Pretax return on assets | 2.1694% | 454 |
| Return on Equity (ROE) | 16.3617% | 629 |
| Retained earnings to average equity (ytd only) | 12.1295% | 487 |
| Net charge-offs to loans | 0.1260% | 4,784 |
| Credit loss provision to net charge-offs | 372.4203% | 763 |
| Earnings coverage of net charge-offs (x) | 25.0863% | 1,060 |
| Efficiency ratio | 45.8038% | 7,072 |
| Assets per employee ($millions) | 4.3279% | 3,220 |
| Cash dividends to net income (ytd only)* | 25.8665% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 5,536 |
| Loan loss allowance to noncurrent loans | 1,116.0331% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 6,386 |
| Noncurrent loans to loans | 0.1060% | 6,663 |
| Net loans and leases to total assets | 78.5174% | 656 |
| Net loans and leases to deposits | 97.1173% | 630 |
| Net loans and leases to core deposits | 106.1974% | 852 |
| Total domestic deposits to total assets | 80.8480% | 5,480 |
| Equity capital to assets | 10.2333% | 4,042 |
| Core capital (leverage) ratio | 10.0987% | 3,308 |
| Tier 1 risk-based capital ratio | 13.4338% | 4,787 |
| Total risk-based capital ratio | 14.6854% | 4,754 |
| Memoranda: | ||
| Average total assets | $699,765,000 | 937 |
| Average earning assets | $658,278,500 | 907 |
| Average equity | $63,007,250 | 1,076 |
| Average total loans | $564,174,250 | 756 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2353% | 311 |
| Cost of funding earning assets | 1.7267% | 425 |
| Net interest margin | 4.5086% | 1,114 |
| Noninterest income to average assets | 0.4992% | 3,858 |
| Noninterest expense to average assets | 2.2888% | 6,160 |
| Loan and lease loss provision to assets | 0.4233% | 2,316 |
| Net operating income to assets | 1.3816% | 1,123 |
| Return on assets (ROA) | 1.3816% | 1,190 |
| Pretax return on assets | 2.0278% | 561 |
| Return on Equity (ROE) | 16.1033% | 659 |
| Retained earnings to average equity (ytd only) | 12.7421% | 417 |
| Net charge-offs to loans | 0.1174% | 4,529 |
| Credit loss provision to net charge-offs | 444.8485% | 684 |
| Earnings coverage of net charge-offs (x) | 25.7576% | 1,035 |
| Efficiency ratio | 47.0159% | 7,110 |
| Assets per employee ($millions) | 4.3535% | 3,078 |
| Cash dividends to net income (ytd only)* | 20.8725% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 5,780 |
| Loan loss allowance to noncurrent loans | 908.0395% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 6,285 |
| Noncurrent loans to loans | 0.1259% | 6,665 |
| Net loans and leases to total assets | 80.9149% | 455 |
| Net loans and leases to deposits | 99.2174% | 527 |
| Net loans and leases to core deposits | 108.3370% | 793 |
| Total domestic deposits to total assets | 81.5531% | 5,332 |
| Equity capital to assets | 9.0080% | 5,569 |
| Core capital (leverage) ratio | 8.6564% | 5,292 |
| Tier 1 risk-based capital ratio | 11.2690% | 6,339 |
| Total risk-based capital ratio | 12.5199% | 6,339 |
| Memoranda: | ||
| Average total assets | $693,543,000 | 956 |
| Average earning assets | $652,349,670 | 926 |
| Average equity | $59,503,330 | 1,125 |
| Average total loans | $561,950,670 | 766 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3219% | 272 |
| Cost of funding earning assets | 1.7425% | 469 |
| Net interest margin | 4.5794% | 899 |
| Noninterest income to average assets | 0.4612% | 4,176 |
| Noninterest expense to average assets | 2.3418% | 6,075 |
| Loan and lease loss provision to assets | 0.6870% | 1,234 |
| Net operating income to assets | 1.2011% | 1,518 |
| Return on assets (ROA) | 1.2011% | 1,565 |
| Pretax return on assets | 1.7393% | 908 |
| Return on Equity (ROE) | 14.3529% | 927 |
| Retained earnings to average equity (ytd only) | 10.9208% | 915 |
| Net charge-offs to loans | 0.0591% | 4,341 |
| Credit loss provision to net charge-offs | 1,440.9639% | 280 |
| Earnings coverage of net charge-offs (x) | 50.8916% | 568 |
| Efficiency ratio | 47.8617% | 7,124 |
| Assets per employee ($millions) | 4.4176% | 3,022 |
| Cash dividends to net income (ytd only)* | 23.9120% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,851 |
| Loan loss allowance to noncurrent loans | 896.9231% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 6,451 |
| Noncurrent loans to loans | 0.1281% | 6,727 |
| Net loans and leases to total assets | 78.5224% | 675 |
| Net loans and leases to deposits | 95.5329% | 724 |
| Net loans and leases to core deposits | 103.4772% | 1,096 |
| Total domestic deposits to total assets | 82.1941% | 5,229 |
| Equity capital to assets | 8.4228% | 6,026 |
| Core capital (leverage) ratio | 8.3271% | 5,759 |
| Tier 1 risk-based capital ratio | 10.8445% | 6,613 |
| Total risk-based capital ratio | 12.0953% | 6,588 |
| Memoranda: | ||
| Average total assets | $696,387,000 | 961 |
| Average earning assets | $654,927,000 | 931 |
| Average equity | $58,274,000 | 1,135 |
| Average total loans | $561,418,500 | 778 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3781% | 2,775 |
| Cost of funding earning assets | 2.0381% | 523 |
| Net interest margin | 3.3400% | 5,835 |
| Noninterest income to average assets | 1.7839% | 476 |
| Noninterest expense to average assets | 2.2440% | 6,500 |
| Loan and lease loss provision to assets | 0.2388% | 4,898 |
| Net operating income to assets | 1.6518% | 569 |
| Return on assets (ROA) | 1.6518% | 613 |
| Pretax return on assets | 2.4124% | 213 |
| Return on Equity (ROE) | 19.2269% | 299 |
| Retained earnings to average equity (ytd only) | 15.1757% | 117 |
| Net charge-offs to loans | 0.0765% | 6,042 |
| Credit loss provision to net charge-offs | 401.1696% | 609 |
| Earnings coverage of net charge-offs (x) | 44.5468% | 523 |
| Efficiency ratio | 44.8027% | 7,390 |
| Assets per employee ($millions) | 3.8785% | 4,061 |
| Cash dividends to net income (ytd only)* | 21.0704% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 6,614 |
| Loan loss allowance to noncurrent loans | 698.2872% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 6,546 |
| Noncurrent loans to loans | 0.1344% | 6,803 |
| Net loans and leases to total assets | 81.0550% | 534 |
| Net loans and leases to deposits | 99.7064% | 596 |
| Net loans and leases to core deposits | 108.1274% | 1,039 |
| Total domestic deposits to total assets | 81.2937% | 5,421 |
| Equity capital to assets | 8.3123% | 6,130 |
| Core capital (leverage) ratio | 9.3926% | 3,858 |
| Tier 1 risk-based capital ratio | 10.4351% | 6,738 |
| Total risk-based capital ratio | 11.5235% | 6,812 |
| Memoranda: | ||
| Average total assets | $574,649,400 | 1,173 |
| Average earning assets | $535,304,800 | 1,139 |
| Average equity | $49,368,400 | 1,354 |
| Average total loans | $447,069,400 | 1,008 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5786% | 2,146 |
| Cost of funding earning assets | 2.1543% | 441 |
| Net interest margin | 3.4243% | 5,589 |
| Noninterest income to average assets | 0.5869% | 3,528 |
| Noninterest expense to average assets | 2.2389% | 6,496 |
| Loan and lease loss provision to assets | 0.2683% | 4,436 |
| Net operating income to assets | 0.9362% | 2,470 |
| Return on assets (ROA) | 0.9362% | 2,604 |
| Pretax return on assets | 1.2582% | 2,307 |
| Return on Equity (ROE) | 10.7871% | 1,851 |
| Retained earnings to average equity (ytd only) | 6.5646% | 2,058 |
| Net charge-offs to loans | 0.0868% | 5,665 |
| Credit loss provision to net charge-offs | 403.6765% | 745 |
| Earnings coverage of net charge-offs (x) | 22.9704% | 1,072 |
| Efficiency ratio | 58.0392% | 6,268 |
| Assets per employee ($millions) | 4.0927% | 3,652 |
| Cash dividends to net income (ytd only)* | 39.1440% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 5,681 |
| Loan loss allowance to noncurrent loans | 1,880.4428% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 6,678 |
| Noncurrent loans to loans | 0.0615% | 7,084 |
| Net loans and leases to total assets | 77.1022% | 1,201 |
| Net loans and leases to deposits | 98.8451% | 736 |
| Net loans and leases to core deposits | 107.4286% | 1,202 |
| Total domestic deposits to total assets | 78.0031% | 6,259 |
| Equity capital to assets | 8.6216% | 6,129 |
| Core capital (leverage) ratio | 8.3887% | 5,717 |
| Tier 1 risk-based capital ratio | 11.0247% | 6,353 |
| Total risk-based capital ratio | 12.2760% | 6,333 |
| Memoranda: | ||
| Average total assets | $545,718,750 | 1,239 |
| Average earning assets | $506,562,250 | 1,224 |
| Average equity | $47,364,000 | 1,420 |
| Average total loans | $417,616,500 | 1,081 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5406% | 2,367 |
| Cost of funding earning assets | 2.1819% | 495 |
| Net interest margin | 3.3587% | 5,806 |
| Noninterest income to average assets | 0.5714% | 3,532 |
| Noninterest expense to average assets | 2.3016% | 6,349 |
| Loan and lease loss provision to assets | 0.1691% | 5,186 |
| Net operating income to assets | 0.9081% | 2,525 |
| Return on assets (ROA) | 0.9081% | 2,636 |
| Pretax return on assets | 1.2144% | 2,367 |
| Return on Equity (ROE) | 10.4389% | 1,948 |
| Retained earnings to average equity (ytd only) | 6.1764% | 2,241 |
| Net charge-offs to loans | 0.1059% | 5,096 |
| Credit loss provision to net charge-offs | 210.1382% | 1,851 |
| Earnings coverage of net charge-offs (x) | 17.1935% | 1,361 |
| Efficiency ratio | 60.9881% | 5,861 |
| Assets per employee ($millions) | 4.1475% | 3,492 |
| Cash dividends to net income (ytd only)* | 40.8330% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 6,098 |
| Loan loss allowance to noncurrent loans | 1,295.6897% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 6,581 |
| Noncurrent loans to loans | 0.0823% | 7,101 |
| Net loans and leases to total assets | 75.8491% | 1,519 |
| Net loans and leases to deposits | 97.9045% | 882 |
| Net loans and leases to core deposits | 104.7037% | 1,569 |
| Total domestic deposits to total assets | 77.4725% | 6,398 |
| Equity capital to assets | 8.6318% | 5,971 |
| Core capital (leverage) ratio | 8.3566% | 5,655 |
| Tier 1 risk-based capital ratio | 11.2491% | 5,998 |
| Total risk-based capital ratio | 12.5000% | 5,982 |
| Memoranda: | ||
| Average total assets | $539,362,330 | 1,260 |
| Average earning assets | $500,021,330 | 1,254 |
| Average equity | $46,920,670 | 1,431 |
| Average total loans | $409,968,670 | 1,118 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5576% | 2,335 |
| Cost of funding earning assets | 2.2303% | 538 |
| Net interest margin | 3.3273% | 5,873 |
| Noninterest income to average assets | 0.5371% | 3,756 |
| Noninterest expense to average assets | 2.4545% | 5,895 |
| Loan and lease loss provision to assets | 0.0720% | 5,917 |
| Net operating income to assets | 0.8762% | 2,650 |
| Return on assets (ROA) | 0.8762% | 2,728 |
| Pretax return on assets | 1.0870% | 2,782 |
| Return on Equity (ROE) | 10.0315% | 2,091 |
| Retained earnings to average equity (ytd only) | 5.7372% | 2,747 |
| Net charge-offs to loans | 0.0654% | 4,754 |
| Credit loss provision to net charge-offs | 145.4545% | 2,444 |
| Earnings coverage of net charge-offs (x) | 23.4091% | 1,051 |
| Efficiency ratio | 66.4106% | 5,029 |
| Assets per employee ($millions) | 4.0648% | 3,718 |
| Cash dividends to net income (ytd only)* | 42.8082% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 6,139 |
| Loan loss allowance to noncurrent loans | 479.9107% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 6,419 |
| Noncurrent loans to loans | 0.2235% | 6,886 |
| Net loans and leases to total assets | 73.9301% | 1,988 |
| Net loans and leases to deposits | 95.7269% | 1,139 |
| Net loans and leases to core deposits | 102.1106% | 1,887 |
| Total domestic deposits to total assets | 77.2302% | 6,510 |
| Equity capital to assets | 8.7574% | 5,629 |
| Core capital (leverage) ratio | 8.3540% | 5,634 |
| Tier 1 risk-based capital ratio | 11.6984% | 5,495 |
| Total risk-based capital ratio | 12.9503% | 5,446 |
| Memoranda: | ||
| Average total assets | $533,233,500 | 1,310 |
| Average earning assets | $493,019,000 | 1,298 |
| Average equity | $46,573,500 | 1,447 |
| Average total loans | $403,499,000 | 1,175 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0042% | 1,846 |
| Cost of funding earning assets | 2.4655% | 1,105 |
| Net interest margin | 3.5387% | 4,783 |
| Noninterest income to average assets | 0.5577% | 3,961 |
| Noninterest expense to average assets | 2.1948% | 7,005 |
| Loan and lease loss provision to assets | 0.2374% | 5,476 |
| Net operating income to assets | 1.0109% | 1,798 |
| Return on assets (ROA) | 1.0109% | 1,856 |
| Pretax return on assets | 1.3843% | 1,473 |
| Return on Equity (ROE) | 11.3711% | 1,332 |
| Retained earnings to average equity (ytd only) | 6.6859% | 1,079 |
| Net charge-offs to loans | 0.0742% | 6,369 |
| Credit loss provision to net charge-offs | 402.8269% | 781 |
| Earnings coverage of net charge-offs (x) | 27.5159% | 825 |
| Efficiency ratio | 56.0297% | 7,011 |
| Assets per employee ($millions) | 4.0451% | 3,723 |
| Cash dividends to net income (ytd only)* | 41.2031% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 6,118 |
| Loan loss allowance to noncurrent loans | 331.2645% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.4989% | 6,205 |
| Noncurrent loans to loans | 0.3175% | 6,644 |
| Net loans and leases to total assets | 75.8149% | 1,852 |
| Net loans and leases to deposits | 100.6786% | 848 |
| Net loans and leases to core deposits | 126.5052% | 1,474 |
| Total domestic deposits to total assets | 75.3039% | 6,809 |
| Equity capital to assets | 8.7107% | 5,568 |
| Core capital (leverage) ratio | 8.4707% | 5,322 |
| Tier 1 risk-based capital ratio | 11.3599% | 5,554 |
| Total risk-based capital ratio | 12.5947% | 5,522 |
| Memoranda: | ||
| Average total assets | $480,182,000 | 1,442 |
| Average earning assets | $442,190,400 | 1,423 |
| Average equity | $42,687,000 | 1,564 |
| Average total loans | $381,186,000 | 1,262 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0679% | 1,766 |
| Cost of funding earning assets | 2.5064% | 1,274 |
| Net interest margin | 3.5615% | 4,628 |
| Noninterest income to average assets | 0.5211% | 4,307 |
| Noninterest expense to average assets | 2.1632% | 7,067 |
| Loan and lease loss provision to assets | 0.2366% | 5,076 |
| Net operating income to assets | 1.0284% | 1,970 |
| Return on assets (ROA) | 1.0284% | 2,033 |
| Pretax return on assets | 1.4033% | 1,686 |
| Return on Equity (ROE) | 11.5033% | 1,484 |
| Retained earnings to average equity (ytd only) | 6.7209% | 1,619 |
| Net charge-offs to loans | 0.0430% | 6,299 |
| Credit loss provision to net charge-offs | 685.9504% | 545 |
| Earnings coverage of net charge-offs (x) | 47.5452% | 666 |
| Efficiency ratio | 55.3965% | 7,078 |
| Assets per employee ($millions) | 4.0921% | 3,580 |
| Cash dividends to net income (ytd only)* | 41.5742% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,553 |
| Loan loss allowance to noncurrent loans | 302.0970% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 6,211 |
| Noncurrent loans to loans | 0.3731% | 6,600 |
| Net loans and leases to total assets | 79.0684% | 1,376 |
| Net loans and leases to deposits | 108.3110% | 540 |
| Net loans and leases to core deposits | 142.6709% | 811 |
| Total domestic deposits to total assets | 73.0013% | 7,084 |
| Equity capital to assets | 8.9271% | 5,595 |
| Core capital (leverage) ratio | 8.7562% | 5,041 |
| Tier 1 risk-based capital ratio | 11.1172% | 5,839 |
| Total risk-based capital ratio | 12.3133% | 5,842 |
| Memoranda: | ||
| Average total assets | $467,749,000 | 1,494 |
| Average earning assets | $431,044,750 | 1,482 |
| Average equity | $41,819,000 | 1,616 |
| Average total loans | $374,976,500 | 1,295 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0811% | 1,850 |
| Cost of funding earning assets | 2.5547% | 1,428 |
| Net interest margin | 3.5263% | 4,673 |
| Noninterest income to average assets | 0.5812% | 3,832 |
| Noninterest expense to average assets | 2.1083% | 7,259 |
| Loan and lease loss provision to assets | 0.2736% | 4,389 |
| Net operating income to assets | 1.0018% | 2,098 |
| Return on assets (ROA) | 1.0018% | 2,193 |
| Pretax return on assets | 1.4573% | 1,569 |
| Return on Equity (ROE) | 11.1995% | 1,646 |
| Retained earnings to average equity (ytd only) | 6.2658% | 1,900 |
| Net charge-offs to loans | 0.0495% | 5,785 |
| Credit loss provision to net charge-offs | 688.8889% | 682 |
| Earnings coverage of net charge-offs (x) | 43.5778% | 760 |
| Efficiency ratio | 53.4429% | 7,390 |
| Assets per employee ($millions) | 4.2668% | 3,176 |
| Cash dividends to net income (ytd only)* | 44.0529% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 5,033 |
| Loan loss allowance to noncurrent loans | 556.5327% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 6,887 |
| Noncurrent loans to loans | 0.2134% | 6,981 |
| Net loans and leases to total assets | 79.9795% | 1,316 |
| Net loans and leases to deposits | 117.5336% | 287 |
| Net loans and leases to core deposits | 146.9071% | 729 |
| Total domestic deposits to total assets | 68.0482% | 7,621 |
| Equity capital to assets | 9.1332% | 5,117 |
| Core capital (leverage) ratio | 8.8691% | 4,836 |
| Tier 1 risk-based capital ratio | 11.7249% | 5,170 |
| Total risk-based capital ratio | 12.9764% | 5,096 |
| Memoranda: | ||
| Average total assets | $453,162,330 | 1,561 |
| Average earning assets | $418,676,670 | 1,546 |
| Average equity | $40,537,670 | 1,672 |
| Average total loans | $363,618,000 | 1,371 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1209% | 1,870 |
| Cost of funding earning assets | 2.5631% | 1,682 |
| Net interest margin | 3.5579% | 4,493 |
| Noninterest income to average assets | 0.5350% | 4,022 |
| Noninterest expense to average assets | 2.0528% | 7,230 |
| Loan and lease loss provision to assets | 0.3650% | 3,132 |
| Net operating income to assets | 0.9694% | 2,441 |
| Return on assets (ROA) | 0.9694% | 2,567 |
| Pretax return on assets | 1.4030% | 1,958 |
| Return on Equity (ROE) | 10.9549% | 1,975 |
| Retained earnings to average equity (ytd only) | 5.9251% | 2,665 |
| Net charge-offs to loans | 0.0312% | 5,082 |
| Credit loss provision to net charge-offs | 1,464.2857% | 440 |
| Earnings coverage of net charge-offs (x) | 70.9286% | 570 |
| Efficiency ratio | 52.2367% | 7,392 |
| Assets per employee ($millions) | 4.2358% | 3,198 |
| Cash dividends to net income (ytd only)* | 45.9137% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 4,925 |
| Loan loss allowance to noncurrent loans | 2,120.2970% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 7,359 |
| Noncurrent loans to loans | 0.0557% | 7,378 |
| Net loans and leases to total assets | 79.0834% | 1,564 |
| Net loans and leases to deposits | 114.6975% | 419 |
| Net loans and leases to core deposits | 142.2596% | 998 |
| Total domestic deposits to total assets | 68.9496% | 7,522 |
| Equity capital to assets | 8.8672% | 5,527 |
| Core capital (leverage) ratio | 8.6646% | 5,225 |
| Tier 1 risk-based capital ratio | 11.4925% | 5,424 |
| Total risk-based capital ratio | 12.7440% | 5,317 |
| Memoranda: | ||
| Average total assets | $449,337,000 | 1,576 |
| Average earning assets | $414,968,500 | 1,566 |
| Average equity | $39,763,000 | 1,715 |
| Average total loans | $358,934,000 | 1,403 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6079% | 2,445 |
| Cost of funding earning assets | 3.0084% | 1,843 |
| Net interest margin | 3.5995% | 4,890 |
| Noninterest income to average assets | 0.6240% | 3,683 |
| Noninterest expense to average assets | 1.9669% | 7,505 |
| Loan and lease loss provision to assets | 0.3221% | 3,800 |
| Net operating income to assets | 1.1165% | 2,082 |
| Return on assets (ROA) | 1.0071% | 2,411 |
| Pretax return on assets | 1.4970% | 1,697 |
| Return on Equity (ROE) | 11.9651% | 1,604 |
| Retained earnings to average equity (ytd only) | 6.8250% | 1,211 |
| Net charge-offs to loans | 0.0849% | 5,546 |
| Credit loss provision to net charge-offs | 460.4811% | 954 |
| Earnings coverage of net charge-offs (x) | 28.3402% | 1,217 |
| Efficiency ratio | 48.2532% | 7,785 |
| Assets per employee ($millions) | 4.4103% | 2,772 |
| Cash dividends to net income (ytd only)* | 42.9594% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 5,309 |
| Loan loss allowance to noncurrent loans | 2,120.1087% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 7,253 |
| Noncurrent loans to loans | 0.0518% | 7,300 |
| Net loans and leases to total assets | 78.8548% | 1,922 |
| Net loans and leases to deposits | 122.6512% | 335 |
| Net loans and leases to core deposits | 151.4934% | 801 |
| Total domestic deposits to total assets | 64.2919% | 7,771 |
| Equity capital to assets | 8.8310% | 5,602 |
| Core capital (leverage) ratio | 8.8683% | 4,940 |
| Tier 1 risk-based capital ratio | 11.7232% | 5,040 |
| Total risk-based capital ratio | 12.9279% | 4,971 |
| Memoranda: | ||
| Average total assets | $416,043,200 | 1,638 |
| Average earning assets | $384,326,800 | 1,620 |
| Average equity | $35,018,400 | 1,928 |
| Average total loans | $342,642,400 | 1,417 |