Home > SouthTrust Bank, N.A. > Performance and Condition Ratios
SouthTrust Bank, N.A., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4874% | 2,119 |
| Cost of funding earning assets | 1.1879% | 3,761 |
| Net interest margin | 4.2994% | 840 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 3.1661% | 916 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 1.1266% | 1,932 |
| Return on assets (ROA) | 1.1266% | 1,930 |
| Pretax return on assets | 1.1266% | 2,426 |
| Return on Equity (ROE) | 9.8000% | 2,378 |
| Retained earnings to average equity (ytd only) | 4.8099% | 2,623 |
| Net charge-offs to loans | -0.0864% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 71.6139% | 1,657 |
| Assets per employee ($millions) | 5.3118% | 3,452 |
| Cash dividends to net income (ytd only)* | 50.9230% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 1,551 |
| Loan loss allowance to noncurrent loans | 1,537.3288% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 3,023 |
| Noncurrent loans to loans | 0.0867% | 3,231 |
| Net loans and leases to total assets | 60.1200% | 2,862 |
| Net loans and leases to deposits | 68.6228% | 2,944 |
| Net loans and leases to core deposits | 73.5022% | 3,101 |
| Total domestic deposits to total assets | 87.6100% | 1,690 |
| Equity capital to assets | 11.7491% | 1,330 |
| Core capital (leverage) ratio | 11.6105% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8770% | 679 |
| Memoranda: | ||
| Average total assets | $557,778,000 | 1,646 |
| Average earning assets | $525,277,500 | 1,626 |
| Average equity | $64,118,000 | 1,465 |
| Average total loans | $333,379,500 | 1,757 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5931% | 1,960 |
| Cost of funding earning assets | 1.4005% | 3,521 |
| Net interest margin | 4.1926% | 941 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.9671% | 1,198 |
| Loan and lease loss provision to assets | -0.1500% | 4,402 |
| Net operating income to assets | 1.5168% | 877 |
| Return on assets (ROA) | 1.5168% | 875 |
| Pretax return on assets | 1.5168% | 1,243 |
| Return on Equity (ROE) | 14.0900% | 1,104 |
| Retained earnings to average equity (ytd only) | 9.0777% | 777 |
| Net charge-offs to loans | -0.0457% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 68.4603% | 2,187 |
| Assets per employee ($millions) | 5.5755% | 3,231 |
| Cash dividends to net income (ytd only)* | 35.5840% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 1,694 |
| Loan loss allowance to noncurrent loans | 784.9541% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 2,944 |
| Noncurrent loans to loans | 0.1651% | 2,855 |
| Net loans and leases to total assets | 57.8700% | 3,115 |
| Net loans and leases to deposits | 65.6427% | 3,233 |
| Net loans and leases to core deposits | 70.3213% | 3,340 |
| Total domestic deposits to total assets | 88.1600% | 1,452 |
| Equity capital to assets | 11.2462% | 1,480 |
| Core capital (leverage) ratio | 11.0786% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1159% | 655 |
| Memoranda: | ||
| Average total assets | $560,451,800 | 1,624 |
| Average earning assets | $525,257,200 | 1,602 |
| Average equity | $60,323,800 | 1,486 |
| Average total loans | $328,406,000 | 1,757 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5337% | 2,015 |
| Cost of funding earning assets | 1.4204% | 3,483 |
| Net interest margin | 4.1133% | 995 |
| Noninterest income to average assets | 0.4200% | 2,310 |
| Noninterest expense to average assets | 2.9767% | 1,140 |
| Loan and lease loss provision to assets | -0.0300% | 4,235 |
| Net operating income to assets | 1.3243% | 1,273 |
| Return on assets (ROA) | 1.3243% | 1,272 |
| Pretax return on assets | 1.3243% | 1,701 |
| Return on Equity (ROE) | 12.4400% | 1,501 |
| Retained earnings to average equity (ytd only) | 7.4381% | 1,589 |
| Net charge-offs to loans | -0.0305% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 69.7122% | 2,056 |
| Assets per employee ($millions) | 5.5441% | 3,233 |
| Cash dividends to net income (ytd only)* | 40.2158% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,063 |
| Loan loss allowance to noncurrent loans | 1,188.1928% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,195 |
| Noncurrent loans to loans | 0.1258% | 3,050 |
| Net loans and leases to total assets | 58.0300% | 3,092 |
| Net loans and leases to deposits | 68.2809% | 3,095 |
| Net loans and leases to core deposits | 73.5554% | 3,206 |
| Total domestic deposits to total assets | 84.9900% | 2,299 |
| Equity capital to assets | 11.2119% | 1,619 |
| Core capital (leverage) ratio | 11.1038% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5661% | 718 |
| Memoranda: | ||
| Average total assets | $559,795,000 | 1,624 |
| Average earning assets | $523,519,500 | 1,612 |
| Average equity | $59,583,500 | 1,491 |
| Average total loans | $327,967,750 | 1,756 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4971% | 1,980 |
| Cost of funding earning assets | 1.4071% | 3,462 |
| Net interest margin | 4.0900% | 1,010 |
| Noninterest income to average assets | 0.4300% | 2,205 |
| Noninterest expense to average assets | 3.0150% | 1,081 |
| Loan and lease loss provision to assets | -0.1800% | 4,458 |
| Net operating income to assets | 1.4046% | 1,069 |
| Return on assets (ROA) | 1.4046% | 1,074 |
| Pretax return on assets | 1.4046% | 1,467 |
| Return on Equity (ROE) | 13.4400% | 1,277 |
| Retained earnings to average equity (ytd only) | 8.4898% | 1,231 |
| Net charge-offs to loans | -0.0813% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.1947% | 1,955 |
| Assets per employee ($millions) | 5.5085% | 3,206 |
| Cash dividends to net income (ytd only)* | 36.8100% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 1,391 |
| Loan loss allowance to noncurrent loans | 1,342.1053% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 3,239 |
| Noncurrent loans to loans | 0.1041% | 3,129 |
| Net loans and leases to total assets | 58.8300% | 3,065 |
| Net loans and leases to deposits | 69.6848% | 3,018 |
| Net loans and leases to core deposits | 74.8835% | 3,106 |
| Total domestic deposits to total assets | 84.4200% | 2,483 |
| Equity capital to assets | 10.8943% | 1,621 |
| Core capital (leverage) ratio | 10.9657% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1564% | 766 |
| Memoranda: | ||
| Average total assets | $559,740,667 | 1,619 |
| Average earning assets | $521,223,333 | 1,618 |
| Average equity | $58,517,333 | 1,499 |
| Average total loans | $327,329,000 | 1,756 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3929% | 2,012 |
| Cost of funding earning assets | 1.3610% | 3,453 |
| Net interest margin | 4.0319% | 1,045 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 3.0578% | 1,022 |
| Loan and lease loss provision to assets | -0.2700% | 4,538 |
| Net operating income to assets | 1.4031% | 1,054 |
| Return on assets (ROA) | 1.4031% | 1,057 |
| Pretax return on assets | 1.4031% | 1,422 |
| Return on Equity (ROE) | 13.7000% | 1,197 |
| Retained earnings to average equity (ytd only) | 8.3157% | 1,475 |
| Net charge-offs to loans | -0.0869% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 72.9286% | 1,854 |
| Assets per employee ($millions) | 5.7908% | 3,003 |
| Cash dividends to net income (ytd only)* | 39.3128% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,289 |
| Loan loss allowance to noncurrent loans | 1,338.2857% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,499 |
| Noncurrent loans to loans | 0.1068% | 3,077 |
| Net loans and leases to total assets | 55.7900% | 3,210 |
| Net loans and leases to deposits | 66.5931% | 3,128 |
| Net loans and leases to core deposits | 71.6643% | 3,241 |
| Total domestic deposits to total assets | 83.7800% | 2,784 |
| Equity capital to assets | 10.1011% | 1,950 |
| Core capital (leverage) ratio | 10.5540% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6408% | 839 |
| Memoranda: | ||
| Average total assets | $564,187,500 | 1,613 |
| Average earning assets | $524,317,000 | 1,610 |
| Average equity | $57,770,500 | 1,503 |
| Average total loans | $326,668,500 | 1,749 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6413% | 2,799 |
| Cost of funding earning assets | 0.8044% | 3,715 |
| Net interest margin | 3.8369% | 1,496 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.8595% | 1,372 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.1163% | 1,873 |
| Return on assets (ROA) | 1.1163% | 1,848 |
| Pretax return on assets | 1.1163% | 2,365 |
| Return on Equity (ROE) | 11.2300% | 2,165 |
| Retained earnings to average equity (ytd only) | 7.2591% | 1,804 |
| Net charge-offs to loans | -0.0881% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.6874% | 1,796 |
| Assets per employee ($millions) | 5.1820% | 3,489 |
| Cash dividends to net income (ytd only)* | 35.3539% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 989 |
| Loan loss allowance to noncurrent loans | 2,502.5253% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 3,391 |
| Noncurrent loans to loans | 0.0608% | 3,281 |
| Net loans and leases to total assets | 58.3700% | 3,004 |
| Net loans and leases to deposits | 66.9095% | 3,114 |
| Net loans and leases to core deposits | 71.6589% | 3,212 |
| Total domestic deposits to total assets | 87.2300% | 1,607 |
| Equity capital to assets | 10.3856% | 1,791 |
| Core capital (leverage) ratio | 10.7550% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1078% | 897 |
| Memoranda: | ||
| Average total assets | $537,952,200 | 1,648 |
| Average earning assets | $505,118,400 | 1,620 |
| Average equity | $53,477,600 | 1,519 |
| Average total loans | $310,028,800 | 1,755 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 2,978 |
| Cost of funding earning assets | 0.6728% | 3,826 |
| Net interest margin | 3.7935% | 1,614 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.9229% | 1,187 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0686% | 2,155 |
| Return on assets (ROA) | 1.0686% | 2,140 |
| Pretax return on assets | 1.0686% | 2,658 |
| Return on Equity (ROE) | 10.8700% | 2,411 |
| Retained earnings to average equity (ytd only) | 7.5507% | 2,123 |
| Net charge-offs to loans | -0.0906% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.6783% | 1,489 |
| Assets per employee ($millions) | 5.1619% | 3,464 |
| Cash dividends to net income (ytd only)* | 30.5666% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,326 |
| Loan loss allowance to noncurrent loans | 2,316.5829% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 3,428 |
| Noncurrent loans to loans | 0.0618% | 3,311 |
| Net loans and leases to total assets | 59.1400% | 2,923 |
| Net loans and leases to deposits | 69.0532% | 2,911 |
| Net loans and leases to core deposits | 73.6132% | 3,015 |
| Total domestic deposits to total assets | 85.6500% | 2,294 |
| Equity capital to assets | 10.1582% | 1,731 |
| Core capital (leverage) ratio | 10.9110% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1920% | 921 |
| Memoranda: | ||
| Average total assets | $535,117,500 | 1,656 |
| Average earning assets | $504,776,500 | 1,617 |
| Average equity | $52,585,250 | 1,533 |
| Average total loans | $306,147,500 | 1,774 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 3,055 |
| Cost of funding earning assets | 0.4714% | 4,034 |
| Net interest margin | 3.8504% | 1,522 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.8899% | 1,230 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 1.2283% | 1,754 |
| Return on assets (ROA) | 1.2283% | 1,743 |
| Pretax return on assets | 1.2283% | 2,290 |
| Return on Equity (ROE) | 12.6400% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.1856% | 1,356 |
| Net charge-offs to loans | -0.0917% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.8364% | 1,686 |
| Assets per employee ($millions) | 4.9622% | 3,629 |
| Cash dividends to net income (ytd only)* | 19.4334% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,509 |
| Loan loss allowance to noncurrent loans | 10,880.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,780 |
| Noncurrent loans to loans | 0.0129% | 3,687 |
| Net loans and leases to total assets | 58.5300% | 2,917 |
| Net loans and leases to deposits | 69.5376% | 2,821 |
| Net loans and leases to core deposits | 72.8842% | 2,969 |
| Total domestic deposits to total assets | 84.1700% | 2,788 |
| Equity capital to assets | 10.2902% | 1,694 |
| Core capital (leverage) ratio | 10.9650% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9768% | 815 |
| Memoranda: | ||
| Average total assets | $534,544,000 | 1,652 |
| Average earning assets | $505,304,000 | 1,616 |
| Average equity | $51,936,000 | 1,551 |
| Average total loans | $300,826,000 | 1,780 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 3,326 |
| Cost of funding earning assets | 0.2642% | 4,272 |
| Net interest margin | 3.8039% | 1,680 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.7807% | 1,478 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.2274% | 1,860 |
| Return on assets (ROA) | 1.2274% | 1,830 |
| Pretax return on assets | 1.2274% | 2,358 |
| Return on Equity (ROE) | 13.0000% | 1,987 |
| Retained earnings to average equity (ytd only) | 8.9086% | 1,975 |
| Net charge-offs to loans | -0.0890% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0966% | 1,845 |
| Assets per employee ($millions) | 5.1320% | 3,549 |
| Cash dividends to net income (ytd only)* | 31.4871% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 1,417 |
| Loan loss allowance to noncurrent loans | 5,445.0000% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,691 |
| Noncurrent loans to loans | 0.0267% | 3,577 |
| Net loans and leases to total assets | 55.8300% | 3,048 |
| Net loans and leases to deposits | 63.5342% | 3,125 |
| Net loans and leases to core deposits | 66.0233% | 3,223 |
| Total domestic deposits to total assets | 87.8700% | 1,967 |
| Equity capital to assets | 9.8900% | 1,877 |
| Core capital (leverage) ratio | 10.3872% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9451% | 856 |
| Memoranda: | ||
| Average total assets | $541,302,000 | 1,650 |
| Average earning assets | $511,692,000 | 1,614 |
| Average equity | $51,096,500 | 1,585 |
| Average total loans | $296,577,500 | 1,804 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 2,701 |
| Cost of funding earning assets | 0.1317% | 4,221 |
| Net interest margin | 3.5006% | 1,932 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.6149% | 1,790 |
| Loan and lease loss provision to assets | -0.4900% | 4,693 |
| Net operating income to assets | 1.7301% | 509 |
| Return on assets (ROA) | 1.7301% | 483 |
| Pretax return on assets | 1.7301% | 858 |
| Return on Equity (ROE) | 19.3000% | 538 |
| Retained earnings to average equity (ytd only) | 13.8162% | 410 |
| Net charge-offs to loans | -0.2894% | 4,663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.9005% | 1,978 |
| Assets per employee ($millions) | 5.4852% | 3,232 |
| Cash dividends to net income (ytd only)* | 28.3963% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,195 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,643 |
| Noncurrent loans to loans | 0.0385% | 3,500 |
| Net loans and leases to total assets | 52.2200% | 3,340 |
| Net loans and leases to deposits | 57.5838% | 3,482 |
| Net loans and leases to core deposits | 59.8038% | 3,519 |
| Total domestic deposits to total assets | 90.6800% | 1,067 |
| Equity capital to assets | 9.0098% | 2,350 |
| Core capital (leverage) ratio | 9.8263% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1749% | 957 |
| Memoranda: | ||
| Average total assets | $537,377,800 | 1,639 |
| Average earning assets | $509,370,800 | 1,608 |
| Average equity | $48,182,600 | 1,668 |
| Average total loans | $272,969,200 | 1,844 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4894% | 2,648 |
| Cost of funding earning assets | 0.1129% | 4,175 |
| Net interest margin | 3.3765% | 2,051 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.6347% | 1,635 |
| Loan and lease loss provision to assets | -0.1800% | 4,663 |
| Net operating income to assets | 1.2867% | 1,397 |
| Return on assets (ROA) | 1.2867% | 1,366 |
| Pretax return on assets | 1.2867% | 2,092 |
| Return on Equity (ROE) | 14.3700% | 1,333 |
| Retained earnings to average equity (ytd only) | 11.1217% | 1,016 |
| Net charge-offs to loans | -0.3610% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.3874% | 1,712 |
| Assets per employee ($millions) | 5.5391% | 3,176 |
| Cash dividends to net income (ytd only)* | 22.6001% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2570% | 317 |
| Loan loss allowance to noncurrent loans | 4,688.8060% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 2,268 |
| Noncurrent loans to loans | 0.0481% | 3,532 |
| Net loans and leases to total assets | 51.1700% | 3,369 |
| Net loans and leases to deposits | 56.3687% | 3,451 |
| Net loans and leases to core deposits | 59.4730% | 3,422 |
| Total domestic deposits to total assets | 90.7800% | 1,324 |
| Equity capital to assets | 8.8686% | 2,306 |
| Core capital (leverage) ratio | 9.7069% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2051% | 965 |
| Memoranda: | ||
| Average total assets | $533,220,500 | 1,664 |
| Average earning assets | $505,409,250 | 1,631 |
| Average equity | $47,749,500 | 1,697 |
| Average total loans | $267,787,500 | 1,866 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4240% | 2,362 |
| Cost of funding earning assets | 0.1101% | 4,080 |
| Net interest margin | 3.3139% | 1,868 |
| Noninterest income to average assets | 0.4261% | 2,592 |
| Noninterest expense to average assets | 2.6078% | 1,615 |
| Loan and lease loss provision to assets | -0.2533% | 4,710 |
| Net operating income to assets | 1.2183% | 1,369 |
| Return on assets (ROA) | 1.2183% | 1,357 |
| Pretax return on assets | 1.2183% | 2,011 |
| Return on Equity (ROE) | 13.5610% | 1,219 |
| Retained earnings to average equity (ytd only) | 11.4294% | 711 |
| Net charge-offs to loans | -0.5169% | 4,695 |
| Credit loss provision to net charge-offs | 98.9751% | 1,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9914% | 1,629 |
| Assets per employee ($millions) | 5.7683% | 2,960 |
| Cash dividends to net income (ytd only)* | 15.7182% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3286% | 316 |
| Loan loss allowance to noncurrent loans | 7,134.0909% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 2,412 |
| Noncurrent loans to loans | 0.0326% | 3,705 |
| Net loans and leases to total assets | 48.5653% | 3,503 |
| Net loans and leases to deposits | 53.4272% | 3,576 |
| Net loans and leases to core deposits | 56.5711% | 3,520 |
| Total domestic deposits to total assets | 90.8999% | 1,278 |
| Equity capital to assets | 8.7198% | 2,600 |
| Core capital (leverage) ratio | 9.5393% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3567% | 943 |
| Memoranda: | ||
| Average total assets | $533,710,333 | 1,673 |
| Average earning assets | $506,775,000 | 1,641 |
| Average equity | $47,946,333 | 1,735 |
| Average total loans | $264,257,333 | 1,878 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2823% | 2,440 |
| Cost of funding earning assets | 0.1110% | 3,997 |
| Net interest margin | 3.1713% | 1,968 |
| Noninterest income to average assets | 0.3604% | 2,932 |
| Noninterest expense to average assets | 2.5664% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8159% | 2,610 |
| Return on assets (ROA) | 0.8159% | 2,597 |
| Pretax return on assets | 0.8159% | 3,059 |
| Return on Equity (ROE) | 8.9479% | 2,336 |
| Retained earnings to average equity (ytd only) | 5.5510% | 2,396 |
| Net charge-offs to loans | -0.0046% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8767% | 1,539 |
| Assets per employee ($millions) | 5.5596% | 3,267 |
| Cash dividends to net income (ytd only)* | 37.9630% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4214% | 308 |
| Loan loss allowance to noncurrent loans | 1,767.3239% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,395 |
| Noncurrent loans to loans | 0.1370% | 3,127 |
| Net loans and leases to total assets | 47.3702% | 3,456 |
| Net loans and leases to deposits | 52.1535% | 3,558 |
| Net loans and leases to core deposits | 55.2246% | 3,506 |
| Total domestic deposits to total assets | 90.8284% | 1,120 |
| Equity capital to assets | 8.9280% | 2,777 |
| Core capital (leverage) ratio | 9.2102% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5344% | 964 |
| Memoranda: | ||
| Average total assets | $529,457,500 | 1,685 |
| Average earning assets | $504,528,500 | 1,658 |
| Average equity | $48,279,500 | 1,779 |
| Average total loans | $261,582,500 | 1,874 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 1,431 |
| Cost of funding earning assets | 0.1571% | 3,898 |
| Net interest margin | 3.8145% | 976 |
| Noninterest income to average assets | 0.3692% | 3,224 |
| Noninterest expense to average assets | 2.4321% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0594% | 2,446 |
| Return on assets (ROA) | 1.0594% | 2,519 |
| Pretax return on assets | 1.0594% | 3,108 |
| Return on Equity (ROE) | 11.2712% | 2,064 |
| Retained earnings to average equity (ytd only) | 4.7603% | 2,888 |
| Net charge-offs to loans | -0.0108% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6582% | 1,779 |
| Assets per employee ($millions) | 5.4707% | 3,287 |
| Cash dividends to net income (ytd only)* | 57.7658% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3748% | 338 |
| Loan loss allowance to noncurrent loans | 4,416.1972% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 3,696 |
| Noncurrent loans to loans | 0.0538% | 3,695 |
| Net loans and leases to total assets | 49.0858% | 3,395 |
| Net loans and leases to deposits | 54.3820% | 3,568 |
| Net loans and leases to core deposits | 57.9464% | 3,479 |
| Total domestic deposits to total assets | 90.2610% | 837 |
| Equity capital to assets | 9.3125% | 3,310 |
| Core capital (leverage) ratio | 8.9988% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5628% | 956 |
| Memoranda: | ||
| Average total assets | $508,691,200 | 1,678 |
| Average earning assets | $416,383,200 | 1,847 |
| Average equity | $47,812,000 | 1,828 |
| Average total loans | $276,781,600 | 1,809 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 1,221 |
| Cost of funding earning assets | 0.1696% | 3,924 |
| Net interest margin | 3.9681% | 837 |
| Noninterest income to average assets | 0.3348% | 3,429 |
| Noninterest expense to average assets | 2.8089% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6352% | 3,939 |
| Return on assets (ROA) | 0.6352% | 3,996 |
| Pretax return on assets | 0.6352% | 4,179 |
| Return on Equity (ROE) | 6.7425% | 3,731 |
| Retained earnings to average equity (ytd only) | 0.4039% | 4,506 |
| Net charge-offs to loans | -0.0105% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5559% | 663 |
| Assets per employee ($millions) | 5.4460% | 3,259 |
| Cash dividends to net income (ytd only)* | 94.0100% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3380% | 367 |
| Loan loss allowance to noncurrent loans | 4,066.8831% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,842 |
| Noncurrent loans to loans | 0.0575% | 3,815 |
| Net loans and leases to total assets | 50.5665% | 3,338 |
| Net loans and leases to deposits | 56.0785% | 3,572 |
| Net loans and leases to core deposits | 59.7858% | 3,482 |
| Total domestic deposits to total assets | 90.1709% | 697 |
| Equity capital to assets | 9.1599% | 3,690 |
| Core capital (leverage) ratio | 8.9870% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5831% | 1,028 |
| Memoranda: | ||
| Average total assets | $504,566,750 | 1,705 |
| Average earning assets | $395,373,000 | 1,942 |
| Average equity | $47,538,000 | 1,860 |
| Average total loans | $279,961,000 | 1,825 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 732 |
| Cost of funding earning assets | 0.1906% | 3,846 |
| Net interest margin | 4.3020% | 492 |
| Noninterest income to average assets | 0.3294% | 3,459 |
| Noninterest expense to average assets | 2.9418% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5101% | 4,199 |
| Return on assets (ROA) | 0.5101% | 4,242 |
| Pretax return on assets | 0.5101% | 4,376 |
| Return on Equity (ROE) | 5.3628% | 4,065 |
| Retained earnings to average equity (ytd only) | -2.9084% | 4,713 |
| Net charge-offs to loans | -0.0120% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2229% | 503 |
| Assets per employee ($millions) | 4.9243% | 3,721 |
| Cash dividends to net income (ytd only)* | 154.2320% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2960% | 361 |
| Loan loss allowance to noncurrent loans | 896.5616% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 3,332 |
| Noncurrent loans to loans | 0.2561% | 3,020 |
| Net loans and leases to total assets | 51.9992% | 3,340 |
| Net loans and leases to deposits | 57.6924% | 3,572 |
| Net loans and leases to core deposits | 61.4083% | 3,515 |
| Total domestic deposits to total assets | 90.1319% | 706 |
| Equity capital to assets | 9.1132% | 3,695 |
| Core capital (leverage) ratio | 8.7620% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5809% | 1,215 |
| Memoranda: | ||
| Average total assets | $500,297,667 | 1,715 |
| Average earning assets | $363,134,667 | 2,045 |
| Average equity | $47,587,000 | 1,845 |
| Average total loans | $283,987,667 | 1,810 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8121% | 2,067 |
| Cost of funding earning assets | 0.1976% | 3,936 |
| Net interest margin | 3.6145% | 1,546 |
| Noninterest income to average assets | 0.8147% | 1,546 |
| Noninterest expense to average assets | 2.8358% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6287% | 3,867 |
| Return on assets (ROA) | 0.6287% | 3,938 |
| Pretax return on assets | 0.6287% | 4,149 |
| Return on Equity (ROE) | 6.4689% | 3,739 |
| Retained earnings to average equity (ytd only) | 2.3478% | 3,937 |
| Net charge-offs to loans | -0.0110% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8543% | 707 |
| Assets per employee ($millions) | 5.0531% | 3,593 |
| Cash dividends to net income (ytd only)* | 63.7066% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1093% | 491 |
| Loan loss allowance to noncurrent loans | 892.5714% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 3,491 |
| Noncurrent loans to loans | 0.2363% | 3,256 |
| Net loans and leases to total assets | 56.2574% | 3,005 |
| Net loans and leases to deposits | 62.4643% | 3,279 |
| Net loans and leases to core deposits | 66.6230% | 3,192 |
| Total domestic deposits to total assets | 90.0632% | 794 |
| Equity capital to assets | 9.3004% | 3,389 |
| Core capital (leverage) ratio | 9.4304% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9629% | 1,075 |
| Memoranda: | ||
| Average total assets | $494,385,000 | 1,718 |
| Average earning assets | $362,428,500 | 2,034 |
| Average equity | $48,045,000 | 1,819 |
| Average total loans | $289,702,500 | 1,792 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 2,795 |
| Cost of funding earning assets | 0.2960% | 4,170 |
| Net interest margin | 3.6822% | 1,862 |
| Noninterest income to average assets | 0.5717% | 2,328 |
| Noninterest expense to average assets | 2.7920% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5798% | 3,815 |
| Return on assets (ROA) | 0.5798% | 3,920 |
| Pretax return on assets | 0.5798% | 4,121 |
| Return on Equity (ROE) | 5.4250% | 3,773 |
| Retained earnings to average equity (ytd only) | 2.5181% | 3,588 |
| Net charge-offs to loans | 0.0049% | 3,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 215.0833% | 445 |
| Efficiency ratio | 82.8037% | 704 |
| Assets per employee ($millions) | 4.6867% | 3,729 |
| Cash dividends to net income (ytd only)* | 53.5839% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2038% | 405 |
| Loan loss allowance to noncurrent loans | 856.1043% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 3,508 |
| Noncurrent loans to loans | 0.2574% | 3,270 |
| Net loans and leases to total assets | 58.5094% | 3,033 |
| Net loans and leases to deposits | 65.5114% | 3,318 |
| Net loans and leases to core deposits | 70.0658% | 3,249 |
| Total domestic deposits to total assets | 89.3118% | 851 |
| Equity capital to assets | 10.1730% | 2,959 |
| Core capital (leverage) ratio | 9.4206% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1412% | 1,031 |
| Memoranda: | ||
| Average total assets | $445,134,400 | 1,718 |
| Average earning assets | $338,496,200 | 1,990 |
| Average equity | $47,575,800 | 1,771 |
| Average total loans | $242,991,400 | 1,953 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 3,041 |
| Cost of funding earning assets | 0.3199% | 4,216 |
| Net interest margin | 3.6563% | 2,083 |
| Noninterest income to average assets | 0.5828% | 2,242 |
| Noninterest expense to average assets | 2.8134% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5594% | 3,884 |
| Return on assets (ROA) | 0.5594% | 3,971 |
| Pretax return on assets | 0.5594% | 4,173 |
| Return on Equity (ROE) | 5.1666% | 3,846 |
| Retained earnings to average equity (ytd only) | 4.2081% | 2,941 |
| Net charge-offs to loans | -0.0086% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4145% | 648 |
| Assets per employee ($millions) | 4.5606% | 3,772 |
| Cash dividends to net income (ytd only)* | 18.5528% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3287% | 290 |
| Loan loss allowance to noncurrent loans | 872.9805% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 3,634 |
| Noncurrent loans to loans | 0.2668% | 3,337 |
| Net loans and leases to total assets | 57.0741% | 3,515 |
| Net loans and leases to deposits | 64.3298% | 3,769 |
| Net loans and leases to core deposits | 68.8087% | 3,708 |
| Total domestic deposits to total assets | 88.7210% | 889 |
| Equity capital to assets | 10.5866% | 2,715 |
| Core capital (leverage) ratio | 10.0250% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2335% | 877 |
| Memoranda: | ||
| Average total assets | $438,079,750 | 1,717 |
| Average earning assets | $334,281,250 | 1,982 |
| Average equity | $47,431,250 | 1,764 |
| Average total loans | $232,940,000 | 2,017 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 3,268 |
| Cost of funding earning assets | 0.3598% | 4,227 |
| Net interest margin | 3.6621% | 2,288 |
| Noninterest income to average assets | 0.5472% | 2,362 |
| Noninterest expense to average assets | 2.8149% | 2,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5119% | 3,983 |
| Return on assets (ROA) | 0.5119% | 4,064 |
| Pretax return on assets | 0.5119% | 4,231 |
| Return on Equity (ROE) | 4.6907% | 3,920 |
| Retained earnings to average equity (ytd only) | 3.8862% | 2,965 |
| Net charge-offs to loans | -0.0081% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6132% | 605 |
| Assets per employee ($millions) | 4.8074% | 3,407 |
| Cash dividends to net income (ytd only)* | 17.1506% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4490% | 238 |
| Loan loss allowance to noncurrent loans | 552.2046% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 3,347 |
| Noncurrent loans to loans | 0.4435% | 2,829 |
| Net loans and leases to total assets | 53.4903% | 3,917 |
| Net loans and leases to deposits | 60.1524% | 4,111 |
| Net loans and leases to core deposits | 63.8858% | 4,080 |
| Total domestic deposits to total assets | 88.9246% | 777 |
| Equity capital to assets | 10.3919% | 2,845 |
| Core capital (leverage) ratio | 9.8939% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6573% | 1,328 |
| Memoranda: | ||
| Average total assets | $430,566,667 | 1,713 |
| Average earning assets | $326,809,000 | 1,990 |
| Average equity | $46,987,000 | 1,767 |
| Average total loans | $220,866,000 | 2,075 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 3,233 |
| Cost of funding earning assets | 0.4437% | 4,180 |
| Net interest margin | 3.7497% | 2,143 |
| Noninterest income to average assets | 0.4051% | 3,054 |
| Noninterest expense to average assets | 2.8244% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4555% | 4,003 |
| Return on assets (ROA) | 0.4555% | 4,056 |
| Pretax return on assets | 0.4555% | 4,196 |
| Return on Equity (ROE) | 4.0648% | 3,930 |
| Retained earnings to average equity (ytd only) | 3.3037% | 2,957 |
| Net charge-offs to loans | -0.0216% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1111% | 700 |
| Assets per employee ($millions) | 4.3618% | 3,457 |
| Cash dividends to net income (ytd only)* | 18.7234% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0669% | 142 |
| Loan loss allowance to noncurrent loans | 766.7075% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 3,707 |
| Noncurrent loans to loans | 0.4000% | 3,055 |
| Net loans and leases to total assets | 47.2807% | 4,373 |
| Net loans and leases to deposits | 53.5207% | 4,464 |
| Net loans and leases to core deposits | 57.1788% | 4,453 |
| Total domestic deposits to total assets | 88.3410% | 958 |
| Equity capital to assets | 11.3808% | 2,538 |
| Core capital (leverage) ratio | 10.9357% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8505% | 884 |
| Memoranda: | ||
| Average total assets | $412,693,500 | 1,732 |
| Average earning assets | $316,400,000 | 1,992 |
| Average equity | $46,251,000 | 1,782 |
| Average total loans | $203,452,000 | 2,154 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4858% | 2,991 |
| Cost of funding earning assets | 0.4416% | 4,300 |
| Net interest margin | 4.0442% | 1,698 |
| Noninterest income to average assets | 0.4561% | 2,972 |
| Noninterest expense to average assets | 2.8786% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7531% | 3,692 |
| Return on assets (ROA) | 0.7531% | 3,769 |
| Pretax return on assets | 0.7531% | 4,072 |
| Return on Equity (ROE) | 6.8221% | 3,619 |
| Retained earnings to average equity (ytd only) | 4.4783% | 2,716 |
| Net charge-offs to loans | 0.1239% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 11.7817% | 2,465 |
| Efficiency ratio | 79.2624% | 1,008 |
| Assets per employee ($millions) | 4.2360% | 3,590 |
| Cash dividends to net income (ytd only)* | 34.3550% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0855% | 116 |
| Loan loss allowance to noncurrent loans | 439.7328% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 3,008 |
| Noncurrent loans to loans | 0.7017% | 2,122 |
| Net loans and leases to total assets | 48.2983% | 4,415 |
| Net loans and leases to deposits | 54.5166% | 4,515 |
| Net loans and leases to core deposits | 58.2321% | 4,510 |
| Total domestic deposits to total assets | 88.5937% | 844 |
| Equity capital to assets | 11.0283% | 2,969 |
| Core capital (leverage) ratio | 10.6736% | 2,789 |
| Tier 1 risk-based capital ratio | 18.4896% | 1,633 |
| Total risk-based capital ratio | 19.7566% | 1,605 |
| Memoranda: | ||
| Average total assets | $394,213,200 | 1,755 |
| Average earning assets | $309,557,400 | 1,969 |
| Average equity | $43,520,600 | 1,804 |
| Average total loans | $203,334,200 | 2,146 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 2,895 |
| Cost of funding earning assets | 0.4350% | 4,383 |
| Net interest margin | 4.1144% | 1,580 |
| Noninterest income to average assets | 0.4462% | 3,044 |
| Noninterest expense to average assets | 2.9393% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7149% | 3,968 |
| Return on assets (ROA) | 0.7149% | 4,035 |
| Pretax return on assets | 0.7149% | 4,313 |
| Return on Equity (ROE) | 6.4737% | 3,894 |
| Retained earnings to average equity (ytd only) | 3.6397% | 3,585 |
| Net charge-offs to loans | 0.1723% | 984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 7.9733% | 2,701 |
| Efficiency ratio | 80.4366% | 884 |
| Assets per employee ($millions) | 4.0937% | 3,771 |
| Cash dividends to net income (ytd only)* | 43.7768% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1502% | 117 |
| Loan loss allowance to noncurrent loans | 366.9606% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 2,813 |
| Noncurrent loans to loans | 0.8584% | 1,870 |
| Net loans and leases to total assets | 47.8348% | 4,516 |
| Net loans and leases to deposits | 54.0168% | 4,628 |
| Net loans and leases to core deposits | 57.7981% | 4,620 |
| Total domestic deposits to total assets | 88.5555% | 800 |
| Equity capital to assets | 11.0238% | 3,085 |
| Core capital (leverage) ratio | 11.0806% | 2,576 |
| Tier 1 risk-based capital ratio | 18.2964% | 1,736 |
| Total risk-based capital ratio | 19.5634% | 1,699 |
| Memoranda: | ||
| Average total assets | $391,103,000 | 1,785 |
| Average earning assets | $304,938,750 | 2,002 |
| Average equity | $43,189,000 | 1,823 |
| Average total loans | $203,502,750 | 2,157 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 3,047 |
| Cost of funding earning assets | 0.4166% | 4,445 |
| Net interest margin | 4.0729% | 1,692 |
| Noninterest income to average assets | 0.4390% | 3,017 |
| Noninterest expense to average assets | 2.9427% | 2,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7237% | 3,922 |
| Return on assets (ROA) | 0.7237% | 3,981 |
| Pretax return on assets | 0.7237% | 4,274 |
| Return on Equity (ROE) | 6.5494% | 3,860 |
| Retained earnings to average equity (ytd only) | 4.2060% | 3,146 |
| Net charge-offs to loans | -0.0360% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2617% | 947 |
| Assets per employee ($millions) | 4.0872% | 3,757 |
| Cash dividends to net income (ytd only)* | 35.7805% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1813% | 111 |
| Loan loss allowance to noncurrent loans | 150.4946% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.1079% | 1,224 |
| Noncurrent loans to loans | 2.1139% | 652 |
| Net loans and leases to total assets | 50.7429% | 4,430 |
| Net loans and leases to deposits | 57.3570% | 4,546 |
| Net loans and leases to core deposits | 61.1314% | 4,536 |
| Total domestic deposits to total assets | 88.4685% | 885 |
| Equity capital to assets | 11.1645% | 2,896 |
| Core capital (leverage) ratio | 11.1413% | 2,467 |
| Tier 1 risk-based capital ratio | 17.8305% | 1,845 |
| Total risk-based capital ratio | 19.0985% | 1,797 |
| Memoranda: | ||
| Average total assets | $387,741,670 | 1,799 |
| Average earning assets | $307,247,670 | 1,997 |
| Average equity | $42,843,330 | 1,837 |
| Average total loans | $205,287,330 | 2,151 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 2,888 |
| Cost of funding earning assets | 0.4018% | 4,475 |
| Net interest margin | 4.0923% | 1,566 |
| Noninterest income to average assets | 0.4307% | 2,974 |
| Noninterest expense to average assets | 2.9827% | 2,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6507% | 4,088 |
| Return on assets (ROA) | 0.6507% | 4,121 |
| Pretax return on assets | 0.6507% | 4,415 |
| Return on Equity (ROE) | 5.9204% | 4,047 |
| Retained earnings to average equity (ytd only) | 2.1340% | 4,035 |
| Net charge-offs to loans | -0.0234% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0908% | 862 |
| Assets per employee ($millions) | 4.2349% | 3,568 |
| Cash dividends to net income (ytd only)* | 63.9553% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1864% | 111 |
| Loan loss allowance to noncurrent loans | 140.3834% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 1,142 |
| Noncurrent loans to loans | 2.2698% | 616 |
| Net loans and leases to total assets | 50.2831% | 4,447 |
| Net loans and leases to deposits | 56.5593% | 4,569 |
| Net loans and leases to core deposits | 60.3950% | 4,552 |
| Total domestic deposits to total assets | 88.9034% | 904 |
| Equity capital to assets | 10.8186% | 3,027 |
| Core capital (leverage) ratio | 11.1031% | 2,473 |
| Tier 1 risk-based capital ratio | 17.5519% | 1,928 |
| Total risk-based capital ratio | 18.8198% | 1,875 |
| Memoranda: | ||
| Average total assets | $385,427,500 | 1,823 |
| Average earning assets | $301,639,500 | 2,039 |
| Average equity | $42,362,000 | 1,840 |
| Average total loans | $205,110,000 | 2,176 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 2,809 |
| Cost of funding earning assets | 0.3344% | 4,382 |
| Net interest margin | 4.0524% | 1,815 |
| Noninterest income to average assets | 0.4536% | 3,086 |
| Noninterest expense to average assets | 2.9569% | 2,174 |
| Loan and lease loss provision to assets | 0.0163% | 3,829 |
| Net operating income to assets | 0.8250% | 3,709 |
| Return on assets (ROA) | 0.8250% | 3,708 |
| Pretax return on assets | 0.8250% | 4,107 |
| Return on Equity (ROE) | 7.4078% | 3,689 |
| Retained earnings to average equity (ytd only) | 4.0800% | 3,313 |
| Net charge-offs to loans | 0.0736% | 2,066 |
| Credit loss provision to net charge-offs | 37.9747% | 3,298 |
| Earnings coverage of net charge-offs (x) | 19.6392% | 2,048 |
| Efficiency ratio | 77.8500% | 1,144 |
| Assets per employee ($millions) | 4.2360% | 3,561 |
| Cash dividends to net income (ytd only)* | 44.9228% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1630% | 108 |
| Loan loss allowance to noncurrent loans | 99.2978% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.7615% | 594 |
| Noncurrent loans to loans | 3.1853% | 303 |
| Net loans and leases to total assets | 52.8261% | 4,363 |
| Net loans and leases to deposits | 59.7133% | 4,495 |
| Net loans and leases to core deposits | 64.2287% | 4,442 |
| Total domestic deposits to total assets | 88.4662% | 1,087 |
| Equity capital to assets | 11.1709% | 2,536 |
| Core capital (leverage) ratio | 11.0324% | 2,495 |
| Tier 1 risk-based capital ratio | 17.6105% | 1,864 |
| Total risk-based capital ratio | 18.8786% | 1,819 |
| Memoranda: | ||
| Average total assets | $368,826,800 | 1,835 |
| Average earning assets | $304,411,000 | 2,000 |
| Average equity | $41,078,600 | 1,813 |
| Average total loans | $214,620,400 | 2,070 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 2,869 |
| Cost of funding earning assets | 0.3278% | 4,324 |
| Net interest margin | 3.9973% | 1,968 |
| Noninterest income to average assets | 0.4664% | 3,063 |
| Noninterest expense to average assets | 3.0375% | 1,906 |
| Loan and lease loss provision to assets | 0.0218% | 3,582 |
| Net operating income to assets | 0.7230% | 4,156 |
| Return on assets (ROA) | 0.7230% | 4,165 |
| Pretax return on assets | 0.7230% | 4,484 |
| Return on Equity (ROE) | 6.4967% | 4,106 |
| Retained earnings to average equity (ytd only) | 3.5766% | 3,978 |
| Net charge-offs to loans | 0.1101% | 1,389 |
| Credit loss provision to net charge-offs | 33.5196% | 2,951 |
| Earnings coverage of net charge-offs (x) | 11.4470% | 2,513 |
| Efficiency ratio | 80.3075% | 916 |
| Assets per employee ($millions) | 4.0990% | 3,731 |
| Cash dividends to net income (ytd only)* | 44.9473% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0658% | 130 |
| Loan loss allowance to noncurrent loans | 109.6027% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6951% | 724 |
| Noncurrent loans to loans | 2.7972% | 426 |
| Net loans and leases to total assets | 56.1873% | 4,203 |
| Net loans and leases to deposits | 63.7028% | 4,349 |
| Net loans and leases to core deposits | 68.7266% | 4,263 |
| Total domestic deposits to total assets | 88.2024% | 1,152 |
| Equity capital to assets | 11.3528% | 2,357 |
| Core capital (leverage) ratio | 11.5943% | 2,091 |
| Tier 1 risk-based capital ratio | 17.1186% | 2,055 |
| Total risk-based capital ratio | 18.3861% | 1,993 |
| Memoranda: | ||
| Average total assets | $366,782,250 | 1,852 |
| Average earning assets | $304,267,000 | 2,008 |
| Average equity | $40,819,500 | 1,828 |
| Average total loans | $216,860,000 | 2,057 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 2,840 |
| Cost of funding earning assets | 0.3161% | 4,304 |
| Net interest margin | 3.9631% | 1,989 |
| Noninterest income to average assets | 0.4561% | 3,115 |
| Noninterest expense to average assets | 3.1602% | 1,636 |
| Loan and lease loss provision to assets | 0.0327% | 3,262 |
| Net operating income to assets | 0.6140% | 4,453 |
| Return on assets (ROA) | 0.6140% | 4,459 |
| Pretax return on assets | 0.6140% | 4,717 |
| Return on Equity (ROE) | 5.5538% | 4,388 |
| Retained earnings to average equity (ytd only) | 2.8114% | 4,129 |
| Net charge-offs to loans | 0.1592% | 969 |
| Credit loss provision to net charge-offs | 34.4828% | 2,605 |
| Earnings coverage of net charge-offs (x) | 6.8276% | 2,587 |
| Efficiency ratio | 83.0140% | 759 |
| Assets per employee ($millions) | 3.8193% | 4,179 |
| Cash dividends to net income (ytd only)* | 49.3794% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0299% | 137 |
| Loan loss allowance to noncurrent loans | 104.7120% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.7397% | 693 |
| Noncurrent loans to loans | 2.8935% | 403 |
| Net loans and leases to total assets | 57.2385% | 4,065 |
| Net loans and leases to deposits | 64.8066% | 4,228 |
| Net loans and leases to core deposits | 70.3333% | 4,123 |
| Total domestic deposits to total assets | 88.3220% | 1,210 |
| Equity capital to assets | 11.2634% | 2,394 |
| Core capital (leverage) ratio | 11.4426% | 2,118 |
| Tier 1 risk-based capital ratio | 16.8724% | 2,139 |
| Total risk-based capital ratio | 18.1398% | 2,083 |
| Memoranda: | ||
| Average total assets | $367,439,670 | 1,854 |
| Average earning assets | $310,668,330 | 1,984 |
| Average equity | $40,620,670 | 1,840 |
| Average total loans | $218,660,000 | 2,046 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,493 |
| Cost of funding earning assets | 0.3110% | 4,256 |
| Net interest margin | 3.9946% | 1,740 |
| Noninterest income to average assets | 0.4576% | 3,065 |
| Noninterest expense to average assets | 3.2595% | 1,430 |
| Loan and lease loss provision to assets | 0.0325% | 3,070 |
| Net operating income to assets | 0.5701% | 4,513 |
| Return on assets (ROA) | 0.5701% | 4,516 |
| Pretax return on assets | 0.5701% | 4,750 |
| Return on Equity (ROE) | 5.2053% | 4,418 |
| Retained earnings to average equity (ytd only) | -0.2963% | 4,833 |
| Net charge-offs to loans | -0.0561% | 5,020 |
| Credit loss provision to net charge-offs | -96.7742% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3978% | 772 |
| Assets per employee ($millions) | 3.8839% | 4,171 |
| Cash dividends to net income (ytd only)* | 105.6926% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0687% | 146 |
| Loan loss allowance to noncurrent loans | 91.0756% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 2.0748% | 536 |
| Noncurrent loans to loans | 3.3695% | 318 |
| Net loans and leases to total assets | 58.2760% | 3,917 |
| Net loans and leases to deposits | 65.8449% | 4,098 |
| Net loans and leases to core deposits | 71.4839% | 4,008 |
| Total domestic deposits to total assets | 88.5050% | 1,352 |
| Equity capital to assets | 11.1681% | 2,411 |
| Core capital (leverage) ratio | 11.1428% | 2,291 |
| Tier 1 risk-based capital ratio | 16.4128% | 2,316 |
| Total risk-based capital ratio | 17.6807% | 2,244 |
| Memoranda: | ||
| Average total assets | $369,745,000 | 1,858 |
| Average earning assets | $315,127,500 | 1,977 |
| Average equity | $40,497,500 | 1,851 |
| Average total loans | $220,906,500 | 2,031 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 2,752 |
| Cost of funding earning assets | 0.3183% | 3,971 |
| Net interest margin | 3.8642% | 2,208 |
| Noninterest income to average assets | 0.4294% | 3,443 |
| Noninterest expense to average assets | 3.1072% | 1,843 |
| Loan and lease loss provision to assets | 0.3755% | 402 |
| Net operating income to assets | 0.4241% | 4,610 |
| Return on assets (ROA) | 0.3490% | 4,855 |
| Pretax return on assets | 0.3490% | 5,156 |
| Return on Equity (ROE) | 3.3894% | 4,718 |
| Retained earnings to average equity (ytd only) | 3.3894% | 3,257 |
| Net charge-offs to loans | 0.4643% | 515 |
| Credit loss provision to net charge-offs | 122.5045% | 2,131 |
| Earnings coverage of net charge-offs (x) | 2.6089% | 3,728 |
| Efficiency ratio | 79.5330% | 1,155 |
| Assets per employee ($millions) | 3.9820% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9392% | 153 |
| Loan loss allowance to noncurrent loans | 77.4001% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.2760% | 439 |
| Noncurrent loans to loans | 3.7974% | 257 |
| Net loans and leases to total assets | 57.6418% | 4,045 |
| Net loans and leases to deposits | 64.9561% | 4,264 |
| Net loans and leases to core deposits | 70.8926% | 4,118 |
| Total domestic deposits to total assets | 88.7396% | 1,122 |
| Equity capital to assets | 10.7473% | 2,898 |
| Core capital (leverage) ratio | 10.7921% | 2,544 |
| Tier 1 risk-based capital ratio | 15.8858% | 2,475 |
| Total risk-based capital ratio | 17.1525% | 2,411 |
| Memoranda: | ||
| Average total assets | $359,547,800 | 1,869 |
| Average earning assets | $323,559,000 | 1,922 |
| Average equity | $37,027,400 | 1,978 |
| Average total loans | $237,356,200 | 1,892 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 2,817 |
| Cost of funding earning assets | 0.3178% | 3,952 |
| Net interest margin | 3.8269% | 2,296 |
| Noninterest income to average assets | 0.4272% | 3,500 |
| Noninterest expense to average assets | 3.3939% | 1,168 |
| Loan and lease loss provision to assets | 0.2442% | 710 |
| Net operating income to assets | 0.2769% | 5,259 |
| Return on assets (ROA) | 0.1755% | 5,385 |
| Pretax return on assets | 0.1755% | 5,403 |
| Return on Equity (ROE) | 1.7238% | 5,343 |
| Retained earnings to average equity (ytd only) | 1.7238% | 4,734 |
| Net charge-offs to loans | 0.4739% | 434 |
| Credit loss provision to net charge-offs | 76.0234% | 2,635 |
| Earnings coverage of net charge-offs (x) | 1.6222% | 3,560 |
| Efficiency ratio | 86.6891% | 589 |
| Assets per employee ($millions) | 3.9446% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6628% | 220 |
| Loan loss allowance to noncurrent loans | 80.2767% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.1344% | 587 |
| Noncurrent loans to loans | 3.3170% | 349 |
| Net loans and leases to total assets | 61.2811% | 3,741 |
| Net loans and leases to deposits | 68.8076% | 4,052 |
| Net loans and leases to core deposits | 75.7664% | 3,819 |
| Total domestic deposits to total assets | 89.0615% | 854 |
| Equity capital to assets | 10.4331% | 3,439 |
| Core capital (leverage) ratio | 10.7328% | 2,723 |
| Tier 1 risk-based capital ratio | 14.5445% | 3,158 |
| Total risk-based capital ratio | 15.8084% | 3,066 |
| Memoranda: | ||
| Average total assets | $354,862,250 | 1,899 |
| Average earning assets | $323,418,500 | 1,932 |
| Average equity | $36,120,250 | 2,028 |
| Average total loans | $240,531,250 | 1,889 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 2,736 |
| Cost of funding earning assets | 0.3160% | 3,921 |
| Net interest margin | 3.8133% | 2,238 |
| Noninterest income to average assets | 0.4241% | 3,535 |
| Noninterest expense to average assets | 3.4121% | 1,142 |
| Loan and lease loss provision to assets | 0.2850% | 555 |
| Net operating income to assets | 0.2354% | 5,343 |
| Return on assets (ROA) | 0.2354% | 5,362 |
| Pretax return on assets | 0.2354% | 5,402 |
| Return on Equity (ROE) | 2.3332% | 5,273 |
| Retained earnings to average equity (ytd only) | 2.3332% | 4,283 |
| Net charge-offs to loans | 0.3250% | 624 |
| Credit loss provision to net charge-offs | 126.2626% | 1,717 |
| Earnings coverage of net charge-offs (x) | 2.3056% | 3,176 |
| Efficiency ratio | 86.7662% | 625 |
| Assets per employee ($millions) | 3.7312% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7595% | 207 |
| Loan loss allowance to noncurrent loans | 77.4925% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 2.4688% | 450 |
| Noncurrent loans to loans | 3.5609% | 316 |
| Net loans and leases to total assets | 65.5919% | 3,166 |
| Net loans and leases to deposits | 73.5187% | 3,594 |
| Net loans and leases to core deposits | 80.9667% | 3,348 |
| Total domestic deposits to total assets | 89.2181% | 851 |
| Equity capital to assets | 10.2967% | 3,571 |
| Core capital (leverage) ratio | 10.3350% | 3,095 |
| Tier 1 risk-based capital ratio | 13.9819% | 3,434 |
| Total risk-based capital ratio | 15.2478% | 3,344 |
| Memoranda: | ||
| Average total assets | $350,865,670 | 1,921 |
| Average earning assets | $322,814,670 | 1,942 |
| Average equity | $35,402,330 | 2,055 |
| Average total loans | $243,721,330 | 1,863 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 2,622 |
| Cost of funding earning assets | 0.3073% | 3,966 |
| Net interest margin | 3.8015% | 2,107 |
| Noninterest income to average assets | 0.4354% | 3,414 |
| Noninterest expense to average assets | 3.4014% | 1,204 |
| Loan and lease loss provision to assets | 0.3118% | 414 |
| Net operating income to assets | 0.2290% | 5,348 |
| Return on assets (ROA) | 0.2290% | 5,360 |
| Pretax return on assets | 0.2290% | 5,408 |
| Return on Equity (ROE) | 2.2929% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.2929% | 4,223 |
| Net charge-offs to loans | 0.4345% | 422 |
| Credit loss provision to net charge-offs | 101.8519% | 1,544 |
| Earnings coverage of net charge-offs (x) | 1.7667% | 2,687 |
| Efficiency ratio | 86.2813% | 788 |
| Assets per employee ($millions) | 3.8069% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5973% | 280 |
| Loan loss allowance to noncurrent loans | 72.1743% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.5769% | 442 |
| Noncurrent loans to loans | 3.5986% | 325 |
| Net loans and leases to total assets | 68.1007% | 2,665 |
| Net loans and leases to deposits | 76.7820% | 3,105 |
| Net loans and leases to core deposits | 84.2613% | 2,873 |
| Total domestic deposits to total assets | 88.6935% | 1,324 |
| Equity capital to assets | 10.0964% | 3,632 |
| Core capital (leverage) ratio | 10.2877% | 3,129 |
| Tier 1 risk-based capital ratio | 13.3547% | 3,855 |
| Total risk-based capital ratio | 14.6189% | 3,771 |
| Memoranda: | ||
| Average total assets | $352,795,500 | 1,920 |
| Average earning assets | $325,450,000 | 1,939 |
| Average equity | $35,238,500 | 2,072 |
| Average total loans | $248,548,500 | 1,842 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3544% | 1,970 |
| Cost of funding earning assets | 0.2998% | 4,065 |
| Net interest margin | 4.0546% | 1,482 |
| Noninterest income to average assets | 0.4669% | 3,433 |
| Noninterest expense to average assets | 3.2016% | 1,785 |
| Loan and lease loss provision to assets | 0.8750% | 127 |
| Net operating income to assets | 0.1619% | 5,472 |
| Return on assets (ROA) | 0.1619% | 5,514 |
| Pretax return on assets | 0.1619% | 5,528 |
| Return on Equity (ROE) | 1.5977% | 5,474 |
| Retained earnings to average equity (ytd only) | -1.2195% | 5,474 |
| Net charge-offs to loans | 0.6682% | 326 |
| Credit loss provision to net charge-offs | 184.2105% | 1,529 |
| Earnings coverage of net charge-offs (x) | 2.1830% | 3,872 |
| Efficiency ratio | 75.5357% | 2,061 |
| Assets per employee ($millions) | 3.8211% | 4,265 |
| Cash dividends to net income (ytd only)* | 176.3293% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5196% | 310 |
| Loan loss allowance to noncurrent loans | 62.3223% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.9379% | 353 |
| Noncurrent loans to loans | 4.0428% | 253 |
| Net loans and leases to total assets | 69.1897% | 2,598 |
| Net loans and leases to deposits | 80.3468% | 2,852 |
| Net loans and leases to core deposits | 87.4432% | 2,730 |
| Total domestic deposits to total assets | 86.1137% | 2,528 |
| Equity capital to assets | 9.8819% | 3,841 |
| Core capital (leverage) ratio | 10.0395% | 3,439 |
| Tier 1 risk-based capital ratio | 12.8462% | 4,170 |
| Total risk-based capital ratio | 14.1094% | 4,053 |
| Memoranda: | ||
| Average total assets | $360,004,400 | 1,850 |
| Average earning assets | $334,876,000 | 1,851 |
| Average equity | $36,489,200 | 2,004 |
| Average total loans | $255,893,200 | 1,761 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 1,905 |
| Cost of funding earning assets | 0.2976% | 4,127 |
| Net interest margin | 4.0882% | 1,412 |
| Noninterest income to average assets | 0.4707% | 3,424 |
| Noninterest expense to average assets | 3.2837% | 1,598 |
| Loan and lease loss provision to assets | 0.4799% | 268 |
| Net operating income to assets | 0.5161% | 4,640 |
| Return on assets (ROA) | 0.5161% | 4,741 |
| Pretax return on assets | 0.5161% | 5,090 |
| Return on Equity (ROE) | 5.0606% | 4,492 |
| Retained earnings to average equity (ytd only) | 1.3394% | 4,978 |
| Net charge-offs to loans | 0.3972% | 548 |
| Credit loss provision to net charge-offs | 169.9346% | 1,634 |
| Earnings coverage of net charge-offs (x) | 3.5268% | 3,404 |
| Efficiency ratio | 76.7273% | 1,873 |
| Assets per employee ($millions) | 3.7854% | 4,332 |
| Cash dividends to net income (ytd only)* | 73.5336% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1476% | 558 |
| Loan loss allowance to noncurrent loans | 65.0084% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.4628% | 559 |
| Noncurrent loans to loans | 3.3036% | 417 |
| Net loans and leases to total assets | 70.5246% | 2,417 |
| Net loans and leases to deposits | 82.6502% | 2,646 |
| Net loans and leases to core deposits | 90.0599% | 2,570 |
| Total domestic deposits to total assets | 85.3291% | 2,665 |
| Equity capital to assets | 10.5010% | 3,566 |
| Core capital (leverage) ratio | 10.2978% | 3,232 |
| Tier 1 risk-based capital ratio | 13.0329% | 4,142 |
| Total risk-based capital ratio | 14.2921% | 4,047 |
| Memoranda: | ||
| Average total assets | $361,166,000 | 1,853 |
| Average earning assets | $336,508,000 | 1,848 |
| Average equity | $36,832,500 | 1,998 |
| Average total loans | $256,810,000 | 1,756 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 1,779 |
| Cost of funding earning assets | 0.2916% | 4,231 |
| Net interest margin | 4.1257% | 1,310 |
| Noninterest income to average assets | 0.4739% | 3,375 |
| Noninterest expense to average assets | 3.3151% | 1,564 |
| Loan and lease loss provision to assets | 0.3295% | 507 |
| Net operating income to assets | 0.6749% | 3,933 |
| Return on assets (ROA) | 0.6749% | 4,068 |
| Pretax return on assets | 0.6749% | 4,700 |
| Return on Equity (ROE) | 6.6816% | 3,704 |
| Retained earnings to average equity (ytd only) | 1.5603% | 4,756 |
| Net charge-offs to loans | 0.3832% | 595 |
| Credit loss provision to net charge-offs | 121.4575% | 1,844 |
| Earnings coverage of net charge-offs (x) | 3.7024% | 3,072 |
| Efficiency ratio | 76.7480% | 1,970 |
| Assets per employee ($millions) | 3.8927% | 4,102 |
| Cash dividends to net income (ytd only)* | 76.6477% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 751 |
| Loan loss allowance to noncurrent loans | 58.6565% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.4706% | 566 |
| Noncurrent loans to loans | 3.3950% | 392 |
| Net loans and leases to total assets | 69.0018% | 2,630 |
| Net loans and leases to deposits | 83.2442% | 2,553 |
| Net loans and leases to core deposits | 89.8993% | 2,540 |
| Total domestic deposits to total assets | 82.8909% | 3,695 |
| Equity capital to assets | 10.3161% | 3,837 |
| Core capital (leverage) ratio | 10.2037% | 3,333 |
| Tier 1 risk-based capital ratio | 12.8975% | 4,261 |
| Total risk-based capital ratio | 14.1543% | 4,169 |
| Memoranda: | ||
| Average total assets | $364,207,000 | 1,843 |
| Average earning assets | $339,484,330 | 1,833 |
| Average equity | $36,787,330 | 2,005 |
| Average total loans | $257,838,000 | 1,753 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 1,537 |
| Cost of funding earning assets | 0.2872% | 4,308 |
| Net interest margin | 4.2017% | 1,096 |
| Noninterest income to average assets | 0.4727% | 3,327 |
| Noninterest expense to average assets | 3.2436% | 1,733 |
| Loan and lease loss provision to assets | 0.0545% | 2,852 |
| Net operating income to assets | 1.0946% | 1,924 |
| Return on assets (ROA) | 1.0946% | 2,020 |
| Pretax return on assets | 1.0946% | 3,113 |
| Return on Equity (ROE) | 10.9511% | 1,615 |
| Retained earnings to average equity (ytd only) | 6.6797% | 2,043 |
| Net charge-offs to loans | 0.0844% | 1,654 |
| Credit loss provision to net charge-offs | 90.9091% | 1,758 |
| Earnings coverage of net charge-offs (x) | 19.1818% | 1,520 |
| Efficiency ratio | 73.8408% | 2,501 |
| Assets per employee ($millions) | 3.9573% | 4,026 |
| Cash dividends to net income (ytd only)* | 39.0050% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9135% | 950 |
| Loan loss allowance to noncurrent loans | 143.9883% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 2,160 |
| Noncurrent loans to loans | 1.3289% | 1,795 |
| Net loans and leases to total assets | 67.6595% | 2,699 |
| Net loans and leases to deposits | 84.8315% | 2,210 |
| Net loans and leases to core deposits | 91.1694% | 2,260 |
| Total domestic deposits to total assets | 79.7576% | 4,801 |
| Equity capital to assets | 9.9845% | 4,098 |
| Core capital (leverage) ratio | 9.8571% | 3,715 |
| Tier 1 risk-based capital ratio | 12.8501% | 4,358 |
| Total risk-based capital ratio | 14.1063% | 4,262 |
| Memoranda: | ||
| Average total assets | $367,245,000 | 1,828 |
| Average earning assets | $342,621,000 | 1,818 |
| Average equity | $36,708,500 | 2,004 |
| Average total loans | $260,688,000 | 1,723 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6443% | 1,227 |
| Cost of funding earning assets | 0.2519% | 4,767 |
| Net interest margin | 4.3924% | 811 |
| Noninterest income to average assets | 0.3537% | 4,375 |
| Noninterest expense to average assets | 3.0471% | 2,394 |
| Loan and lease loss provision to assets | 0.3449% | 436 |
| Net operating income to assets | 1.0662% | 2,059 |
| Return on assets (ROA) | 1.0662% | 2,138 |
| Pretax return on assets | 1.0662% | 3,205 |
| Return on Equity (ROE) | 11.0859% | 1,585 |
| Retained earnings to average equity (ytd only) | 7.1324% | 1,223 |
| Net charge-offs to loans | 0.0896% | 2,539 |
| Credit loss provision to net charge-offs | 548.2456% | 603 |
| Earnings coverage of net charge-offs (x) | 22.4298% | 1,772 |
| Efficiency ratio | 68.3481% | 3,501 |
| Assets per employee ($millions) | 3.9836% | 3,968 |
| Cash dividends to net income (ytd only)* | 35.6625% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 1,042 |
| Loan loss allowance to noncurrent loans | 141.5730% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.0656% | 2,057 |
| Noncurrent loans to loans | 1.3109% | 1,802 |
| Net loans and leases to total assets | 71.6869% | 2,107 |
| Net loans and leases to deposits | 88.3788% | 1,828 |
| Net loans and leases to core deposits | 94.5463% | 1,999 |
| Total domestic deposits to total assets | 81.1133% | 4,448 |
| Equity capital to assets | 10.0071% | 3,951 |
| Core capital (leverage) ratio | 9.6278% | 4,006 |
| Tier 1 risk-based capital ratio | 12.2839% | 4,769 |
| Total risk-based capital ratio | 13.5395% | 4,663 |
| Memoranda: | ||
| Average total assets | $362,408,600 | 1,803 |
| Average earning assets | $338,653,600 | 1,793 |
| Average equity | $34,855,000 | 2,042 |
| Average total loans | $254,477,000 | 1,703 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,266 |
| Cost of funding earning assets | 0.2469% | 4,914 |
| Net interest margin | 4.3818% | 826 |
| Noninterest income to average assets | 0.4448% | 3,756 |
| Noninterest expense to average assets | 3.2521% | 1,819 |
| Loan and lease loss provision to assets | 0.4139% | 282 |
| Net operating income to assets | 0.8727% | 3,078 |
| Return on assets (ROA) | 0.8727% | 3,160 |
| Pretax return on assets | 0.8727% | 4,081 |
| Return on Equity (ROE) | 9.1670% | 2,486 |
| Retained earnings to average equity (ytd only) | 3.8415% | 3,735 |
| Net charge-offs to loans | 0.0667% | 2,616 |
| Credit loss provision to net charge-offs | 892.8571% | 409 |
| Earnings coverage of net charge-offs (x) | 27.7533% | 1,573 |
| Efficiency ratio | 71.6521% | 2,940 |
| Assets per employee ($millions) | 3.9428% | 3,990 |
| Cash dividends to net income (ytd only)* | 58.0945% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9016% | 1,072 |
| Loan loss allowance to noncurrent loans | 147.1278% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0247% | 2,308 |
| Noncurrent loans to loans | 1.2925% | 1,981 |
| Net loans and leases to total assets | 69.5733% | 2,453 |
| Net loans and leases to deposits | 87.1382% | 2,007 |
| Net loans and leases to core deposits | 93.7725% | 2,097 |
| Total domestic deposits to total assets | 79.8424% | 4,784 |
| Equity capital to assets | 9.6643% | 4,556 |
| Core capital (leverage) ratio | 9.3224% | 4,555 |
| Tier 1 risk-based capital ratio | 12.6653% | 4,637 |
| Total risk-based capital ratio | 13.9226% | 4,538 |
| Memoranda: | ||
| Average total assets | $362,384,750 | 1,818 |
| Average earning assets | $338,574,750 | 1,808 |
| Average equity | $34,499,750 | 2,080 |
| Average total loans | $251,900,750 | 1,724 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 1,312 |
| Cost of funding earning assets | 0.2380% | 5,074 |
| Net interest margin | 4.3488% | 835 |
| Noninterest income to average assets | 0.4384% | 3,785 |
| Noninterest expense to average assets | 3.2479% | 1,849 |
| Loan and lease loss provision to assets | 0.4141% | 271 |
| Net operating income to assets | 0.8414% | 3,164 |
| Return on assets (ROA) | 0.8414% | 3,271 |
| Pretax return on assets | 0.8414% | 4,158 |
| Return on Equity (ROE) | 8.8826% | 2,613 |
| Retained earnings to average equity (ytd only) | 2.6170% | 4,394 |
| Net charge-offs to loans | 0.0392% | 2,893 |
| Credit loss provision to net charge-offs | 1,530.6122% | 230 |
| Earnings coverage of net charge-offs (x) | 46.4082% | 1,013 |
| Efficiency ratio | 72.1221% | 2,987 |
| Assets per employee ($millions) | 4.0878% | 3,706 |
| Cash dividends to net income (ytd only)* | 70.5381% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 1,417 |
| Loan loss allowance to noncurrent loans | 144.9811% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.9570% | 2,617 |
| Noncurrent loans to loans | 1.2260% | 2,203 |
| Net loans and leases to total assets | 68.2297% | 2,610 |
| Net loans and leases to deposits | 86.5705% | 1,991 |
| Net loans and leases to core deposits | 92.1100% | 2,147 |
| Total domestic deposits to total assets | 78.8141% | 5,136 |
| Equity capital to assets | 9.2169% | 4,999 |
| Core capital (leverage) ratio | 9.2696% | 4,595 |
| Tier 1 risk-based capital ratio | 11.9240% | 5,198 |
| Total risk-based capital ratio | 13.1790% | 5,101 |
| Memoranda: | ||
| Average total assets | $362,267,330 | 1,828 |
| Average earning assets | $338,623,670 | 1,813 |
| Average equity | $34,314,330 | 2,102 |
| Average total loans | $250,114,330 | 1,742 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 1,322 |
| Cost of funding earning assets | 0.2415% | 5,114 |
| Net interest margin | 4.3129% | 853 |
| Noninterest income to average assets | 0.4387% | 3,703 |
| Noninterest expense to average assets | 3.0822% | 2,329 |
| Loan and lease loss provision to assets | 0.4197% | 267 |
| Net operating income to assets | 0.9737% | 2,372 |
| Return on assets (ROA) | 0.9737% | 2,510 |
| Pretax return on assets | 0.9737% | 3,592 |
| Return on Equity (ROE) | 10.1373% | 1,937 |
| Retained earnings to average equity (ytd only) | 2.8664% | 4,248 |
| Net charge-offs to loans | 0.0130% | 2,924 |
| Credit loss provision to net charge-offs | 4,687.5000% | 83 |
| Earnings coverage of net charge-offs (x) | 155.6250% | 346 |
| Efficiency ratio | 68.8672% | 3,687 |
| Assets per employee ($millions) | 4.1133% | 3,738 |
| Cash dividends to net income (ytd only)* | 71.7241% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 1,695 |
| Loan loss allowance to noncurrent loans | 148.2771% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 2,630 |
| Noncurrent loans to loans | 1.1577% | 2,452 |
| Net loans and leases to total assets | 68.1563% | 2,411 |
| Net loans and leases to deposits | 79.4018% | 2,629 |
| Net loans and leases to core deposits | 84.4447% | 2,723 |
| Total domestic deposits to total assets | 85.8372% | 3,021 |
| Equity capital to assets | 9.6145% | 4,618 |
| Core capital (leverage) ratio | 9.3387% | 4,506 |
| Tier 1 risk-based capital ratio | 12.2075% | 5,103 |
| Total risk-based capital ratio | 13.4615% | 5,013 |
| Memoranda: | ||
| Average total assets | $357,405,000 | 1,858 |
| Average earning assets | $334,531,500 | 1,837 |
| Average equity | $34,328,500 | 2,113 |
| Average total loans | $245,970,500 | 1,770 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 1,303 |
| Cost of funding earning assets | 0.2333% | 5,486 |
| Net interest margin | 4.4697% | 792 |
| Noninterest income to average assets | 0.4511% | 3,819 |
| Noninterest expense to average assets | 3.0010% | 2,840 |
| Loan and lease loss provision to assets | 0.2260% | 1,082 |
| Net operating income to assets | 1.4327% | 1,018 |
| Return on assets (ROA) | 1.4327% | 1,047 |
| Pretax return on assets | 1.4327% | 1,776 |
| Return on Equity (ROE) | 14.8391% | 807 |
| Retained earnings to average equity (ytd only) | 10.8905% | 391 |
| Net charge-offs to loans | 0.1097% | 2,949 |
| Credit loss provision to net charge-offs | 323.2759% | 810 |
| Earnings coverage of net charge-offs (x) | 23.7241% | 1,567 |
| Efficiency ratio | 64.4031% | 4,532 |
| Assets per employee ($millions) | 3.9662% | 4,028 |
| Cash dividends to net income (ytd only)* | 26.6092% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 2,103 |
| Loan loss allowance to noncurrent loans | 144.6674% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 2,851 |
| Noncurrent loans to loans | 1.1039% | 2,620 |
| Net loans and leases to total assets | 67.2038% | 2,694 |
| Net loans and leases to deposits | 78.7543% | 2,874 |
| Net loans and leases to core deposits | 83.5771% | 2,946 |
| Total domestic deposits to total assets | 85.3335% | 3,147 |
| Equity capital to assets | 9.5953% | 4,595 |
| Core capital (leverage) ratio | 9.5369% | 4,193 |
| Tier 1 risk-based capital ratio | 12.1893% | 5,236 |
| Total risk-based capital ratio | 13.4419% | 5,150 |
| Memoranda: | ||
| Average total assets | $331,826,200 | 1,956 |
| Average earning assets | $312,436,600 | 1,917 |
| Average equity | $32,037,000 | 2,161 |
| Average total loans | $211,529,800 | 1,963 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 1,329 |
| Cost of funding earning assets | 0.2324% | 5,574 |
| Net interest margin | 4.4589% | 804 |
| Noninterest income to average assets | 0.4550% | 3,859 |
| Noninterest expense to average assets | 3.0463% | 2,650 |
| Loan and lease loss provision to assets | 0.2150% | 1,067 |
| Net operating income to assets | 1.3982% | 1,136 |
| Return on assets (ROA) | 1.3982% | 1,178 |
| Pretax return on assets | 1.3982% | 2,013 |
| Return on Equity (ROE) | 14.4580% | 903 |
| Retained earnings to average equity (ytd only) | 9.1008% | 957 |
| Net charge-offs to loans | 0.1068% | 2,733 |
| Credit loss provision to net charge-offs | 322.0859% | 867 |
| Earnings coverage of net charge-offs (x) | 24.1654% | 1,558 |
| Efficiency ratio | 65.3775% | 4,314 |
| Assets per employee ($millions) | 3.7957% | 4,300 |
| Cash dividends to net income (ytd only)* | 37.0532% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 1,994 |
| Loan loss allowance to noncurrent loans | 140.5416% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.0140% | 2,929 |
| Noncurrent loans to loans | 1.2044% | 2,635 |
| Net loans and leases to total assets | 64.9766% | 3,033 |
| Net loans and leases to deposits | 72.4178% | 3,644 |
| Net loans and leases to core deposits | 76.8598% | 3,649 |
| Total domestic deposits to total assets | 89.7246% | 862 |
| Equity capital to assets | 9.7739% | 4,453 |
| Core capital (leverage) ratio | 9.4473% | 4,440 |
| Tier 1 risk-based capital ratio | 12.7544% | 5,002 |
| Total risk-based capital ratio | 14.0080% | 4,911 |
| Memoranda: | ||
| Average total assets | $325,543,750 | 2,006 |
| Average earning assets | $306,971,750 | 1,965 |
| Average equity | $31,483,500 | 2,200 |
| Average total loans | $203,467,000 | 2,025 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 1,434 |
| Cost of funding earning assets | 0.2281% | 5,677 |
| Net interest margin | 4.4076% | 835 |
| Noninterest income to average assets | 0.4605% | 3,786 |
| Noninterest expense to average assets | 3.0101% | 2,792 |
| Loan and lease loss provision to assets | 0.1859% | 1,317 |
| Net operating income to assets | 1.4310% | 999 |
| Return on assets (ROA) | 1.4310% | 1,038 |
| Pretax return on assets | 1.4310% | 1,778 |
| Return on Equity (ROE) | 14.8509% | 812 |
| Retained earnings to average equity (ytd only) | 9.2746% | 890 |
| Net charge-offs to loans | 0.1528% | 2,170 |
| Credit loss provision to net charge-offs | 198.6755% | 1,182 |
| Earnings coverage of net charge-offs (x) | 17.2781% | 1,743 |
| Efficiency ratio | 65.0549% | 4,527 |
| Assets per employee ($millions) | 3.8316% | 4,196 |
| Cash dividends to net income (ytd only)* | 37.5487% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 2,337 |
| Loan loss allowance to noncurrent loans | 153.7522% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 3,326 |
| Noncurrent loans to loans | 1.0645% | 3,103 |
| Net loans and leases to total assets | 62.8127% | 3,273 |
| Net loans and leases to deposits | 69.6391% | 3,868 |
| Net loans and leases to core deposits | 73.4547% | 3,891 |
| Total domestic deposits to total assets | 90.1975% | 709 |
| Equity capital to assets | 9.4347% | 4,806 |
| Core capital (leverage) ratio | 9.5836% | 4,201 |
| Tier 1 risk-based capital ratio | 12.8848% | 4,986 |
| Total risk-based capital ratio | 14.1379% | 4,920 |
| Memoranda: | ||
| Average total assets | $322,717,670 | 2,021 |
| Average earning assets | $305,066,670 | 1,979 |
| Average equity | $31,095,670 | 2,211 |
| Average total loans | $197,698,330 | 2,068 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 1,489 |
| Cost of funding earning assets | 0.2307% | 5,750 |
| Net interest margin | 4.3758% | 849 |
| Noninterest income to average assets | 0.4843% | 3,534 |
| Noninterest expense to average assets | 3.0163% | 2,814 |
| Loan and lease loss provision to assets | 0.1902% | 1,247 |
| Net operating income to assets | 1.4150% | 961 |
| Return on assets (ROA) | 1.4150% | 1,004 |
| Pretax return on assets | 1.4150% | 1,698 |
| Return on Equity (ROE) | 14.5230% | 856 |
| Retained earnings to average equity (ytd only) | 13.0264% | 482 |
| Net charge-offs to loans | -0.0296% | 5,549 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2675% | 4,649 |
| Assets per employee ($millions) | 3.7004% | 4,518 |
| Cash dividends to net income (ytd only)* | 10.3047% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 2,037 |
| Loan loss allowance to noncurrent loans | 142.8744% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 3,308 |
| Noncurrent loans to loans | 1.2602% | 2,930 |
| Net loans and leases to total assets | 59.2751% | 3,670 |
| Net loans and leases to deposits | 65.7805% | 4,122 |
| Net loans and leases to core deposits | 69.4560% | 4,158 |
| Total domestic deposits to total assets | 90.1105% | 1,006 |
| Equity capital to assets | 9.5775% | 4,391 |
| Core capital (leverage) ratio | 9.9044% | 3,706 |
| Tier 1 risk-based capital ratio | 13.9193% | 4,376 |
| Total risk-based capital ratio | 15.1744% | 4,319 |
| Memoranda: | ||
| Average total assets | $315,486,500 | 2,082 |
| Average earning assets | $298,279,000 | 2,021 |
| Average equity | $30,737,500 | 2,224 |
| Average total loans | $188,889,500 | 2,145 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 1,612 |
| Cost of funding earning assets | 0.2631% | 5,888 |
| Net interest margin | 4.4225% | 873 |
| Noninterest income to average assets | 0.5376% | 3,497 |
| Noninterest expense to average assets | 2.8670% | 3,468 |
| Loan and lease loss provision to assets | 0.1211% | 2,802 |
| Net operating income to assets | 1.7325% | 553 |
| Return on assets (ROA) | 1.7325% | 569 |
| Pretax return on assets | 1.7325% | 890 |
| Return on Equity (ROE) | 16.8745% | 516 |
| Retained earnings to average equity (ytd only) | 10.6162% | 477 |
| Net charge-offs to loans | 0.1328% | 3,474 |
| Credit loss provision to net charge-offs | 156.1086% | 1,483 |
| Earnings coverage of net charge-offs (x) | 23.9005% | 1,391 |
| Efficiency ratio | 60.7345% | 5,384 |
| Assets per employee ($millions) | 3.5504% | 4,802 |
| Cash dividends to net income (ytd only)* | 37.0873% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 1,880 |
| Loan loss allowance to noncurrent loans | 138.4331% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.0474% | 3,322 |
| Noncurrent loans to loans | 1.3453% | 2,889 |
| Net loans and leases to total assets | 58.2451% | 3,997 |
| Net loans and leases to deposits | 64.8453% | 4,430 |
| Net loans and leases to core deposits | 68.8246% | 4,419 |
| Total domestic deposits to total assets | 89.8216% | 1,165 |
| Equity capital to assets | 9.9193% | 3,872 |
| Core capital (leverage) ratio | 9.9205% | 3,678 |
| Tier 1 risk-based capital ratio | 14.5701% | 3,923 |
| Total risk-based capital ratio | 15.8254% | 3,852 |
| Memoranda: | ||
| Average total assets | $284,963,400 | 2,232 |
| Average earning assets | $269,528,800 | 2,182 |
| Average equity | $29,257,200 | 2,295 |
| Average total loans | $166,389,400 | 2,346 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,640 |
| Cost of funding earning assets | 0.2690% | 5,966 |
| Net interest margin | 4.4145% | 865 |
| Noninterest income to average assets | 0.5521% | 3,439 |
| Noninterest expense to average assets | 2.7941% | 3,682 |
| Loan and lease loss provision to assets | 0.1072% | 2,973 |
| Net operating income to assets | 1.8256% | 498 |
| Return on assets (ROA) | 1.8256% | 516 |
| Pretax return on assets | 1.8256% | 850 |
| Return on Equity (ROE) | 17.6181% | 475 |
| Retained earnings to average equity (ytd only) | 9.1998% | 1,002 |
| Net charge-offs to loans | 0.1008% | 3,536 |
| Credit loss provision to net charge-offs | 182.9268% | 1,325 |
| Earnings coverage of net charge-offs (x) | 32.9829% | 1,153 |
| Efficiency ratio | 59.1111% | 5,541 |
| Assets per employee ($millions) | 3.4210% | 5,016 |
| Cash dividends to net income (ytd only)* | 47.7818% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9358% | 1,898 |
| Loan loss allowance to noncurrent loans | 120.5681% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.1985% | 3,257 |
| Noncurrent loans to loans | 1.6055% | 2,767 |
| Net loans and leases to total assets | 58.4152% | 3,940 |
| Net loans and leases to deposits | 65.2341% | 4,381 |
| Net loans and leases to core deposits | 69.2462% | 4,400 |
| Total domestic deposits to total assets | 89.5472% | 1,267 |
| Equity capital to assets | 9.9256% | 4,015 |
| Core capital (leverage) ratio | 10.0692% | 3,572 |
| Tier 1 risk-based capital ratio | 14.7593% | 3,910 |
| Total risk-based capital ratio | 16.0157% | 3,864 |
| Memoranda: | ||
| Average total assets | $279,870,750 | 2,279 |
| Average earning assets | $264,669,500 | 2,226 |
| Average equity | $28,999,750 | 2,335 |
| Average total loans | $162,682,500 | 2,398 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 1,645 |
| Cost of funding earning assets | 0.2744% | 6,024 |
| Net interest margin | 4.3977% | 853 |
| Noninterest income to average assets | 0.5604% | 3,439 |
| Noninterest expense to average assets | 2.6883% | 4,073 |
| Loan and lease loss provision to assets | 0.1086% | 2,981 |
| Net operating income to assets | 1.9179% | 410 |
| Return on assets (ROA) | 1.9179% | 446 |
| Pretax return on assets | 1.9179% | 723 |
| Return on Equity (ROE) | 18.2402% | 449 |
| Retained earnings to average equity (ytd only) | 9.7777% | 895 |
| Net charge-offs to loans | 0.1495% | 2,906 |
| Credit loss provision to net charge-offs | 126.0504% | 1,790 |
| Earnings coverage of net charge-offs (x) | 23.5210% | 1,327 |
| Efficiency ratio | 57.0178% | 5,851 |
| Assets per employee ($millions) | 3.6073% | 4,606 |
| Cash dividends to net income (ytd only)* | 46.3949% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9945% | 1,858 |
| Loan loss allowance to noncurrent loans | 114.8006% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.2596% | 3,243 |
| Noncurrent loans to loans | 1.7374% | 2,715 |
| Net loans and leases to total assets | 57.2985% | 4,096 |
| Net loans and leases to deposits | 64.2148% | 4,471 |
| Net loans and leases to core deposits | 69.1313% | 4,371 |
| Total domestic deposits to total assets | 89.2294% | 1,492 |
| Equity capital to assets | 10.4017% | 3,428 |
| Core capital (leverage) ratio | 10.1971% | 3,235 |
| Tier 1 risk-based capital ratio | 15.2499% | 3,628 |
| Total risk-based capital ratio | 16.5071% | 3,581 |
| Memoranda: | ||
| Average total assets | $276,233,670 | 2,311 |
| Average earning assets | $260,953,330 | 2,258 |
| Average equity | $29,045,670 | 2,340 |
| Average total loans | $159,172,000 | 2,454 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 1,641 |
| Cost of funding earning assets | 0.2825% | 6,091 |
| Net interest margin | 4.3808% | 832 |
| Noninterest income to average assets | 0.5437% | 3,483 |
| Noninterest expense to average assets | 2.6865% | 4,118 |
| Loan and lease loss provision to assets | 0.1096% | 2,870 |
| Net operating income to assets | 1.8957% | 415 |
| Return on assets (ROA) | 1.8957% | 449 |
| Pretax return on assets | 1.8957% | 745 |
| Return on Equity (ROE) | 17.9298% | 438 |
| Retained earnings to average equity (ytd only) | 11.8058% | 727 |
| Net charge-offs to loans | 0.2198% | 2,110 |
| Credit loss provision to net charge-offs | 87.2093% | 2,066 |
| Earnings coverage of net charge-offs (x) | 15.9535% | 1,382 |
| Efficiency ratio | 57.2586% | 5,929 |
| Assets per employee ($millions) | 3.7259% | 4,501 |
| Cash dividends to net income (ytd only)* | 34.1557% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0528% | 1,912 |
| Loan loss allowance to noncurrent loans | 107.4627% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.3563% | 3,242 |
| Noncurrent loans to loans | 1.9102% | 2,723 |
| Net loans and leases to total assets | 55.3230% | 4,197 |
| Net loans and leases to deposits | 61.9553% | 4,554 |
| Net loans and leases to core deposits | 66.8665% | 4,426 |
| Total domestic deposits to total assets | 89.2950% | 1,492 |
| Equity capital to assets | 10.4162% | 3,648 |
| Core capital (leverage) ratio | 10.2504% | 3,075 |
| Tier 1 risk-based capital ratio | 15.6415% | 3,456 |
| Total risk-based capital ratio | 16.8998% | 3,416 |
| Memoranda: | ||
| Average total assets | $273,667,000 | 2,360 |
| Average earning assets | $259,132,000 | 2,295 |
| Average equity | $28,935,000 | 2,386 |
| Average total loans | $156,508,000 | 2,504 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0888% | 1,334 |
| Cost of funding earning assets | 0.3887% | 5,986 |
| Net interest margin | 4.7001% | 648 |
| Noninterest income to average assets | 0.5710% | 3,440 |
| Noninterest expense to average assets | 2.7435% | 4,240 |
| Loan and lease loss provision to assets | 0.0954% | 4,468 |
| Net operating income to assets | 2.1841% | 262 |
| Return on assets (ROA) | 2.2040% | 278 |
| Pretax return on assets | 2.2040% | 409 |
| Return on Equity (ROE) | 21.1236% | 256 |
| Retained earnings to average equity (ytd only) | 15.4225% | 139 |
| Net charge-offs to loans | 0.0824% | 4,854 |
| Credit loss provision to net charge-offs | 196.7213% | 1,325 |
| Earnings coverage of net charge-offs (x) | 46.9918% | 704 |
| Efficiency ratio | 54.6189% | 6,210 |
| Assets per employee ($millions) | 3.4792% | 5,050 |
| Cash dividends to net income (ytd only)* | 26.9890% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0950% | 1,784 |
| Loan loss allowance to noncurrent loans | 210.4207% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 4,323 |
| Noncurrent loans to loans | 0.9956% | 4,203 |
| Net loans and leases to total assets | 56.7129% | 4,157 |
| Net loans and leases to deposits | 63.7899% | 4,560 |
| Net loans and leases to core deposits | 68.9718% | 4,439 |
| Total domestic deposits to total assets | 88.9057% | 1,633 |
| Equity capital to assets | 10.7367% | 3,235 |
| Core capital (leverage) ratio | 9.9624% | 3,449 |
| Tier 1 risk-based capital ratio | 15.4663% | 3,445 |
| Total risk-based capital ratio | 16.7247% | 3,403 |
| Memoranda: | ||
| Average total assets | $251,500,000 | 2,516 |
| Average earning assets | $238,229,000 | 2,432 |
| Average equity | $26,240,800 | 2,546 |
| Average total loans | $148,035,000 | 2,601 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1371% | 1,338 |
| Cost of funding earning assets | 0.4108% | 6,059 |
| Net interest margin | 4.7263% | 635 |
| Noninterest income to average assets | 0.5562% | 3,568 |
| Noninterest expense to average assets | 2.6817% | 4,445 |
| Loan and lease loss provision to assets | 0.1293% | 3,938 |
| Net operating income to assets | 2.2279% | 268 |
| Return on assets (ROA) | 2.2549% | 285 |
| Pretax return on assets | 2.2549% | 435 |
| Return on Equity (ROE) | 21.7824% | 249 |
| Retained earnings to average equity (ytd only) | 13.9940% | 303 |
| Net charge-offs to loans | -0.0775% | 6,803 |
| Credit loss provision to net charge-offs | -282.3529% | 6,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2193% | 6,330 |
| Assets per employee ($millions) | 3.5061% | 4,969 |
| Cash dividends to net income (ytd only)* | 35.7553% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2943% | 1,531 |
| Loan loss allowance to noncurrent loans | 156.0469% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1041% | 4,091 |
| Noncurrent loans to loans | 1.4703% | 3,586 |
| Net loans and leases to total assets | 55.2660% | 4,559 |
| Net loans and leases to deposits | 61.8470% | 4,988 |
| Net loans and leases to core deposits | 66.9257% | 4,850 |
| Total domestic deposits to total assets | 89.3592% | 1,211 |
| Equity capital to assets | 10.2186% | 4,179 |
| Core capital (leverage) ratio | 10.3273% | 3,131 |
| Tier 1 risk-based capital ratio | 15.3939% | 3,600 |
| Total risk-based capital ratio | 16.6552% | 3,549 |
| Memoranda: | ||
| Average total assets | $247,401,250 | 2,579 |
| Average earning assets | $234,652,500 | 2,483 |
| Average equity | $25,610,250 | 2,628 |
| Average total loans | $146,248,250 | 2,659 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3056% | 1,043 |
| Cost of funding earning assets | 0.4456% | 5,996 |
| Net interest margin | 4.8599% | 505 |
| Noninterest income to average assets | 0.5559% | 3,548 |
| Noninterest expense to average assets | 2.6443% | 4,629 |
| Loan and lease loss provision to assets | 0.1991% | 3,091 |
| Net operating income to assets | 2.3182% | 230 |
| Return on assets (ROA) | 2.3597% | 251 |
| Pretax return on assets | 2.3597% | 373 |
| Return on Equity (ROE) | 22.6879% | 220 |
| Retained earnings to average equity (ytd only) | 14.4870% | 309 |
| Net charge-offs to loans | -0.2017% | 6,997 |
| Credit loss provision to net charge-offs | -164.3836% | 6,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2297% | 6,561 |
| Assets per employee ($millions) | 3.6212% | 4,710 |
| Cash dividends to net income (ytd only)* | 36.1463% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4030% | 1,406 |
| Loan loss allowance to noncurrent loans | 324.0331% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 4,976 |
| Noncurrent loans to loans | 0.7416% | 5,027 |
| Net loans and leases to total assets | 58.0432% | 4,150 |
| Net loans and leases to deposits | 65.1341% | 4,625 |
| Net loans and leases to core deposits | 71.6050% | 4,337 |
| Total domestic deposits to total assets | 89.1134% | 1,445 |
| Equity capital to assets | 10.5410% | 3,634 |
| Core capital (leverage) ratio | 10.1006% | 3,274 |
| Tier 1 risk-based capital ratio | 15.0768% | 3,722 |
| Total risk-based capital ratio | 16.3388% | 3,676 |
| Memoranda: | ||
| Average total assets | $241,047,000 | 2,649 |
| Average earning assets | $228,440,000 | 2,539 |
| Average equity | $25,070,670 | 2,661 |
| Average total loans | $144,757,000 | 2,690 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 1,369 |
| Cost of funding earning assets | 0.4725% | 5,998 |
| Net interest margin | 4.7017% | 680 |
| Noninterest income to average assets | 0.5603% | 3,497 |
| Noninterest expense to average assets | 2.6387% | 4,666 |
| Loan and lease loss provision to assets | 0.2013% | 2,928 |
| Net operating income to assets | 2.1774% | 304 |
| Return on assets (ROA) | 2.2613% | 306 |
| Pretax return on assets | 2.2613% | 482 |
| Return on Equity (ROE) | 21.8938% | 276 |
| Retained earnings to average equity (ytd only) | 15.4621% | 407 |
| Net charge-offs to loans | 0.0139% | 4,501 |
| Credit loss provision to net charge-offs | 2,400.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 283.6000% | 117 |
| Efficiency ratio | 52.5911% | 6,488 |
| Assets per employee ($millions) | 3.6823% | 4,697 |
| Cash dividends to net income (ytd only)* | 29.3769% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2389% | 1,797 |
| Loan loss allowance to noncurrent loans | 314.7287% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 5,166 |
| Noncurrent loans to loans | 0.7114% | 5,240 |
| Net loans and leases to total assets | 57.4856% | 4,132 |
| Net loans and leases to deposits | 64.2402% | 4,597 |
| Net loans and leases to core deposits | 71.1419% | 4,268 |
| Total domestic deposits to total assets | 89.4854% | 1,379 |
| Equity capital to assets | 10.1198% | 3,963 |
| Core capital (leverage) ratio | 9.9479% | 3,431 |
| Tier 1 risk-based capital ratio | 14.8356% | 3,866 |
| Total risk-based capital ratio | 16.0964% | 3,828 |
| Memoranda: | ||
| Average total assets | $238,451,000 | 2,687 |
| Average earning assets | $226,043,500 | 2,583 |
| Average equity | $24,628,000 | 2,701 |
| Average total loans | $143,913,500 | 2,722 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4707% | 1,241 |
| Cost of funding earning assets | 0.5815% | 6,178 |
| Net interest margin | 4.8892% | 522 |
| Noninterest income to average assets | 0.7674% | 2,249 |
| Noninterest expense to average assets | 2.9850% | 3,643 |
| Loan and lease loss provision to assets | 0.1484% | 4,756 |
| Net operating income to assets | 2.2448% | 213 |
| Return on assets (ROA) | 2.2448% | 223 |
| Pretax return on assets | 2.2448% | 335 |
| Return on Equity (ROE) | 21.4529% | 205 |
| Retained earnings to average equity (ytd only) | 14.1864% | 169 |
| Net charge-offs to loans | 0.1450% | 4,982 |
| Credit loss provision to net charge-offs | 161.5385% | 1,708 |
| Earnings coverage of net charge-offs (x) | 26.0513% | 951 |
| Efficiency ratio | 55.5011% | 6,370 |
| Assets per employee ($millions) | 3.5414% | 4,911 |
| Cash dividends to net income (ytd only)* | 33.8720% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 1,805 |
| Loan loss allowance to noncurrent loans | 338.3369% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 5,228 |
| Noncurrent loans to loans | 0.6487% | 5,410 |
| Net loans and leases to total assets | 60.6552% | 3,854 |
| Net loans and leases to deposits | 68.1976% | 4,412 |
| Net loans and leases to core deposits | 76.2227% | 3,954 |
| Total domestic deposits to total assets | 88.9403% | 1,580 |
| Equity capital to assets | 10.5518% | 3,471 |
| Core capital (leverage) ratio | 9.9223% | 3,427 |
| Tier 1 risk-based capital ratio | 14.5290% | 3,956 |
| Total risk-based capital ratio | 15.7892% | 3,918 |
| Memoranda: | ||
| Average total assets | $212,263,800 | 2,917 |
| Average earning assets | $200,176,000 | 2,850 |
| Average equity | $22,211,400 | 2,870 |
| Average total loans | $134,519,000 | 2,911 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5126% | 1,217 |
| Cost of funding earning assets | 0.6041% | 6,269 |
| Net interest margin | 4.9085% | 502 |
| Noninterest income to average assets | 0.8136% | 1,986 |
| Noninterest expense to average assets | 2.8843% | 3,998 |
| Loan and lease loss provision to assets | 0.1540% | 4,539 |
| Net operating income to assets | 2.3999% | 180 |
| Return on assets (ROA) | 2.3999% | 189 |
| Pretax return on assets | 2.3999% | 296 |
| Return on Equity (ROE) | 22.9879% | 190 |
| Retained earnings to average equity (ytd only) | 13.0675% | 376 |
| Net charge-offs to loans | 0.1399% | 4,660 |
| Credit loss provision to net charge-offs | 172.6619% | 1,736 |
| Earnings coverage of net charge-offs (x) | 28.6329% | 961 |
| Efficiency ratio | 53.0383% | 6,590 |
| Assets per employee ($millions) | 3.6550% | 4,627 |
| Cash dividends to net income (ytd only)* | 43.1552% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2428% | 1,795 |
| Loan loss allowance to noncurrent loans | 551.1504% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 5,505 |
| Noncurrent loans to loans | 0.4069% | 6,035 |
| Net loans and leases to total assets | 60.8777% | 3,967 |
| Net loans and leases to deposits | 68.4169% | 4,539 |
| Net loans and leases to core deposits | 76.9668% | 4,059 |
| Total domestic deposits to total assets | 88.9804% | 1,439 |
| Equity capital to assets | 10.5415% | 3,656 |
| Core capital (leverage) ratio | 10.1005% | 3,306 |
| Tier 1 risk-based capital ratio | 14.2890% | 4,134 |
| Total risk-based capital ratio | 15.5494% | 4,091 |
| Memoranda: | ||
| Average total assets | $207,782,750 | 2,985 |
| Average earning assets | $195,763,250 | 2,921 |
| Average equity | $21,692,000 | 2,915 |
| Average total loans | $132,460,250 | 2,967 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5606% | 1,146 |
| Cost of funding earning assets | 0.6398% | 6,275 |
| Net interest margin | 4.9209% | 465 |
| Noninterest income to average assets | 0.8711% | 1,742 |
| Noninterest expense to average assets | 2.9488% | 3,836 |
| Loan and lease loss provision to assets | 0.2368% | 3,544 |
| Net operating income to assets | 2.3145% | 215 |
| Return on assets (ROA) | 2.3145% | 229 |
| Pretax return on assets | 2.3145% | 340 |
| Return on Equity (ROE) | 22.2493% | 228 |
| Retained earnings to average equity (ytd only) | 12.3386% | 478 |
| Net charge-offs to loans | 0.2133% | 3,857 |
| Credit loss provision to net charge-offs | 172.6619% | 1,752 |
| Earnings coverage of net charge-offs (x) | 18.6043% | 1,251 |
| Efficiency ratio | 53.6143% | 6,656 |
| Assets per employee ($millions) | 3.4796% | 4,992 |
| Cash dividends to net income (ytd only)* | 44.5439% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3245% | 1,707 |
| Loan loss allowance to noncurrent loans | 550.1767% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 5,534 |
| Noncurrent loans to loans | 0.4225% | 6,055 |
| Net loans and leases to total assets | 61.6466% | 3,958 |
| Net loans and leases to deposits | 69.0637% | 4,558 |
| Net loans and leases to core deposits | 74.0145% | 4,583 |
| Total domestic deposits to total assets | 89.2606% | 1,377 |
| Equity capital to assets | 10.3404% | 3,697 |
| Core capital (leverage) ratio | 10.4034% | 2,828 |
| Tier 1 risk-based capital ratio | 14.4454% | 3,828 |
| Total risk-based capital ratio | 15.7076% | 3,789 |
| Memoranda: | ||
| Average total assets | $202,724,670 | 3,067 |
| Average earning assets | $190,698,670 | 2,984 |
| Average equity | $21,088,330 | 2,986 |
| Average total loans | $130,332,000 | 3,031 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5057% | 1,281 |
| Cost of funding earning assets | 0.6877% | 6,210 |
| Net interest margin | 4.8180% | 550 |
| Noninterest income to average assets | 0.6506% | 2,842 |
| Noninterest expense to average assets | 2.9986% | 3,648 |
| Loan and lease loss provision to assets | 0.2425% | 3,247 |
| Net operating income to assets | 1.9398% | 382 |
| Return on assets (ROA) | 1.9398% | 399 |
| Pretax return on assets | 1.9398% | 622 |
| Return on Equity (ROE) | 18.5880% | 431 |
| Retained earnings to average equity (ytd only) | 12.7212% | 631 |
| Net charge-offs to loans | 0.2895% | 2,899 |
| Credit loss provision to net charge-offs | 129.0323% | 2,142 |
| Earnings coverage of net charge-offs (x) | 11.6129% | 1,542 |
| Efficiency ratio | 57.8783% | 6,284 |
| Assets per employee ($millions) | 3.2586% | 5,580 |
| Cash dividends to net income (ytd only)* | 31.5625% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3410% | 1,700 |
| Loan loss allowance to noncurrent loans | 339.2857% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 5,126 |
| Noncurrent loans to loans | 0.6900% | 5,644 |
| Net loans and leases to total assets | 62.7712% | 3,702 |
| Net loans and leases to deposits | 70.3259% | 4,301 |
| Net loans and leases to core deposits | 75.6535% | 4,348 |
| Total domestic deposits to total assets | 89.2576% | 1,608 |
| Equity capital to assets | 10.4266% | 3,261 |
| Core capital (leverage) ratio | 10.2438% | 2,870 |
| Tier 1 risk-based capital ratio | 14.6897% | 3,619 |
| Total risk-based capital ratio | 15.9525% | 3,567 |
| Memoranda: | ||
| Average total assets | $197,959,500 | 3,144 |
| Average earning assets | $186,135,000 | 3,064 |
| Average equity | $20,658,500 | 3,030 |
| Average total loans | $128,517,000 | 3,093 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7857% | 1,308 |
| Cost of funding earning assets | 0.8641% | 6,325 |
| Net interest margin | 4.9216% | 515 |
| Noninterest income to average assets | 0.8243% | 2,170 |
| Noninterest expense to average assets | 3.1032% | 3,443 |
| Loan and lease loss provision to assets | 0.5350% | 3,013 |
| Net operating income to assets | 1.7857% | 431 |
| Return on assets (ROA) | 1.7857% | 467 |
| Pretax return on assets | 1.7857% | 787 |
| Return on Equity (ROE) | 16.5182% | 525 |
| Retained earnings to average equity (ytd only) | 11.0327% | 375 |
| Net charge-offs to loans | 0.1376% | 5,544 |
| Credit loss provision to net charge-offs | 578.3133% | 380 |
| Earnings coverage of net charge-offs (x) | 25.0843% | 843 |
| Efficiency ratio | 57.2133% | 6,430 |
| Assets per employee ($millions) | 3.0776% | 5,926 |
| Cash dividends to net income (ytd only)* | 33.2085% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3692% | 1,594 |
| Loan loss allowance to noncurrent loans | 268.5383% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.9965% | 5,009 |
| Noncurrent loans to loans | 0.8822% | 5,298 |
| Net loans and leases to total assets | 64.0388% | 3,868 |
| Net loans and leases to deposits | 71.8611% | 4,545 |
| Net loans and leases to core deposits | 77.7866% | 4,479 |
| Total domestic deposits to total assets | 89.1148% | 1,589 |
| Equity capital to assets | 10.4453% | 3,221 |
| Core capital (leverage) ratio | 10.1906% | 2,874 |
| Tier 1 risk-based capital ratio | 14.3690% | 3,633 |
| Total risk-based capital ratio | 15.6317% | 3,582 |
| Memoranda: | ||
| Average total assets | $179,426,400 | 3,386 |
| Average earning assets | $167,688,400 | 3,324 |
| Average equity | $19,396,800 | 3,226 |
| Average total loans | $120,649,000 | 3,302 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8678% | 1,209 |
| Cost of funding earning assets | 0.9020% | 6,384 |
| Net interest margin | 4.9657% | 475 |
| Noninterest income to average assets | 0.8380% | 2,041 |
| Noninterest expense to average assets | 3.1252% | 3,212 |
| Loan and lease loss provision to assets | 0.5460% | 2,766 |
| Net operating income to assets | 1.7966% | 510 |
| Return on assets (ROA) | 1.7966% | 557 |
| Pretax return on assets | 1.7966% | 931 |
| Return on Equity (ROE) | 16.4656% | 656 |
| Retained earnings to average equity (ytd only) | 9.0703% | 1,032 |
| Net charge-offs to loans | 0.1557% | 5,069 |
| Credit loss provision to net charge-offs | 517.9856% | 563 |
| Earnings coverage of net charge-offs (x) | 22.2228% | 1,102 |
| Efficiency ratio | 57.1567% | 6,394 |
| Assets per employee ($millions) | 3.0281% | 6,087 |
| Cash dividends to net income (ytd only)* | 44.9134% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3412% | 1,563 |
| Loan loss allowance to noncurrent loans | 212.1212% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 1.1079% | 4,901 |
| Noncurrent loans to loans | 1.1037% | 5,035 |
| Net loans and leases to total assets | 62.2097% | 4,486 |
| Net loans and leases to deposits | 70.0248% | 5,142 |
| Net loans and leases to core deposits | 76.0349% | 5,051 |
| Total domestic deposits to total assets | 88.8396% | 1,486 |
| Equity capital to assets | 10.6837% | 3,305 |
| Core capital (leverage) ratio | 10.3177% | 2,892 |
| Tier 1 risk-based capital ratio | 14.8225% | 3,333 |
| Total risk-based capital ratio | 16.0858% | 3,310 |
| Memoranda: | ||
| Average total assets | $175,811,250 | 3,484 |
| Average earning assets | $163,919,750 | 3,424 |
| Average equity | $19,183,000 | 3,294 |
| Average total loans | $119,017,250 | 3,387 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9305% | 1,105 |
| Cost of funding earning assets | 0.9428% | 6,413 |
| Net interest margin | 4.9877% | 432 |
| Noninterest income to average assets | 0.8322% | 1,964 |
| Noninterest expense to average assets | 3.1903% | 2,934 |
| Loan and lease loss provision to assets | 0.5587% | 2,536 |
| Net operating income to assets | 1.7261% | 558 |
| Return on assets (ROA) | 1.7261% | 610 |
| Pretax return on assets | 1.7261% | 1,012 |
| Return on Equity (ROE) | 15.7003% | 737 |
| Retained earnings to average equity (ytd only) | 8.0143% | 1,434 |
| Net charge-offs to loans | 0.2188% | 4,289 |
| Credit loss provision to net charge-offs | 369.2308% | 989 |
| Earnings coverage of net charge-offs (x) | 15.1000% | 1,476 |
| Efficiency ratio | 58.2696% | 6,341 |
| Assets per employee ($millions) | 2.8574% | 6,438 |
| Cash dividends to net income (ytd only)* | 48.9548% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1697% | 1,826 |
| Loan loss allowance to noncurrent loans | 268.1628% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.9585% | 5,220 |
| Noncurrent loans to loans | 0.8091% | 5,660 |
| Net loans and leases to total assets | 65.3849% | 3,968 |
| Net loans and leases to deposits | 73.7153% | 4,721 |
| Net loans and leases to core deposits | 81.4728% | 4,496 |
| Total domestic deposits to total assets | 88.6993% | 1,602 |
| Equity capital to assets | 10.8429% | 3,036 |
| Core capital (leverage) ratio | 10.4703% | 2,649 |
| Tier 1 risk-based capital ratio | 14.6647% | 3,345 |
| Total risk-based capital ratio | 15.9257% | 3,316 |
| Memoranda: | ||
| Average total assets | $171,833,670 | 3,574 |
| Average earning assets | $159,953,670 | 3,514 |
| Average equity | $18,891,330 | 3,314 |
| Average total loans | $118,824,670 | 3,423 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9273% | 1,135 |
| Cost of funding earning assets | 0.9785% | 6,474 |
| Net interest margin | 4.9488% | 465 |
| Noninterest income to average assets | 0.8512% | 1,809 |
| Noninterest expense to average assets | 3.1967% | 2,878 |
| Loan and lease loss provision to assets | 0.5675% | 2,224 |
| Net operating income to assets | 1.6788% | 641 |
| Return on assets (ROA) | 1.6788% | 692 |
| Pretax return on assets | 1.6788% | 1,099 |
| Return on Equity (ROE) | 15.1608% | 844 |
| Retained earnings to average equity (ytd only) | 8.8830% | 1,429 |
| Net charge-offs to loans | -0.0672% | 7,433 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7315% | 6,376 |
| Assets per employee ($millions) | 2.7908% | 6,663 |
| Cash dividends to net income (ytd only)* | 41.4085% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0791% | 1,997 |
| Loan loss allowance to noncurrent loans | 86.9215% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.7082% | 3,912 |
| Noncurrent loans to loans | 2.3919% | 3,284 |
| Net loans and leases to total assets | 68.5839% | 3,259 |
| Net loans and leases to deposits | 77.5584% | 4,118 |
| Net loans and leases to core deposits | 84.9180% | 4,071 |
| Total domestic deposits to total assets | 88.4288% | 1,838 |
| Equity capital to assets | 11.1142% | 2,664 |
| Core capital (leverage) ratio | 10.6315% | 2,517 |
| Tier 1 risk-based capital ratio | 14.3778% | 3,450 |
| Total risk-based capital ratio | 15.6377% | 3,407 |
| Memoranda: | ||
| Average total assets | $169,172,000 | 3,674 |
| Average earning assets | $156,967,500 | 3,628 |
| Average equity | $18,732,500 | 3,363 |
| Average total loans | $119,035,500 | 3,475 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3953% | 839 |
| Cost of funding earning assets | 1.4303% | 5,803 |
| Net interest margin | 4.9650% | 482 |
| Noninterest income to average assets | 1.0666% | 1,351 |
| Noninterest expense to average assets | 3.5600% | 2,248 |
| Loan and lease loss provision to assets | 0.5728% | 3,513 |
| Net operating income to assets | 1.5267% | 637 |
| Return on assets (ROA) | 1.5267% | 679 |
| Pretax return on assets | 1.5267% | 1,122 |
| Return on Equity (ROE) | 13.8831% | 804 |
| Retained earnings to average equity (ytd only) | 9.1725% | 472 |
| Net charge-offs to loans | 0.6122% | 3,375 |
| Credit loss provision to net charge-offs | 129.1248% | 3,984 |
| Earnings coverage of net charge-offs (x) | 4.7331% | 2,837 |
| Efficiency ratio | 62.9034% | 5,984 |
| Assets per employee ($millions) | 2.8017% | 6,656 |
| Cash dividends to net income (ytd only)* | 33.9308% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8673% | 2,346 |
| Loan loss allowance to noncurrent loans | 76.3330% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.8013% | 3,664 |
| Noncurrent loans to loans | 2.4463% | 3,103 |
| Net loans and leases to total assets | 69.3712% | 3,400 |
| Net loans and leases to deposits | 79.9977% | 3,989 |
| Net loans and leases to core deposits | 110.3828% | 2,852 |
| Total domestic deposits to total assets | 86.7165% | 2,644 |
| Equity capital to assets | 11.0313% | 2,687 |
| Core capital (leverage) ratio | 10.5589% | 2,545 |
| Tier 1 risk-based capital ratio | 13.9765% | 3,512 |
| Total risk-based capital ratio | 15.2336% | 3,463 |
| Memoranda: | ||
| Average total assets | $157,135,200 | 3,831 |
| Average earning assets | $145,356,800 | 3,789 |
| Average equity | $17,280,000 | 3,619 |
| Average total loans | $113,843,800 | 3,612 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4767% | 794 |
| Cost of funding earning assets | 1.5065% | 5,791 |
| Net interest margin | 4.9703% | 474 |
| Noninterest income to average assets | 1.0363% | 1,476 |
| Noninterest expense to average assets | 3.6374% | 1,944 |
| Loan and lease loss provision to assets | 0.5829% | 3,053 |
| Net operating income to assets | 1.4145% | 988 |
| Return on assets (ROA) | 1.4145% | 1,060 |
| Pretax return on assets | 1.4145% | 1,655 |
| Return on Equity (ROE) | 12.8740% | 1,134 |
| Retained earnings to average equity (ytd only) | 6.4763% | 1,721 |
| Net charge-offs to loans | 0.5127% | 3,163 |
| Credit loss provision to net charge-offs | 155.8891% | 3,057 |
| Earnings coverage of net charge-offs (x) | 5.3418% | 2,854 |
| Efficiency ratio | 64.5517% | 5,650 |
| Assets per employee ($millions) | 2.7577% | 6,718 |
| Cash dividends to net income (ytd only)* | 49.6948% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 1,936 |
| Loan loss allowance to noncurrent loans | 62.8969% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.2795% | 3,004 |
| Noncurrent loans to loans | 3.0813% | 2,453 |
| Net loans and leases to total assets | 71.4325% | 3,172 |
| Net loans and leases to deposits | 82.6237% | 3,902 |
| Net loans and leases to core deposits | 113.2969% | 2,897 |
| Total domestic deposits to total assets | 86.4553% | 2,452 |
| Equity capital to assets | 11.0720% | 2,952 |
| Core capital (leverage) ratio | 10.5878% | 2,726 |
| Tier 1 risk-based capital ratio | 13.6997% | 3,711 |
| Total risk-based capital ratio | 14.9577% | 3,659 |
| Memoranda: | ||
| Average total assets | $154,393,250 | 3,903 |
| Average earning assets | $142,846,250 | 3,871 |
| Average equity | $16,964,000 | 3,707 |
| Average total loans | $112,596,250 | 3,664 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6239% | 630 |
| Cost of funding earning assets | 1.5795% | 5,810 |
| Net interest margin | 5.0443% | 387 |
| Noninterest income to average assets | 0.9964% | 1,604 |
| Noninterest expense to average assets | 3.6226% | 2,019 |
| Loan and lease loss provision to assets | 0.5900% | 2,678 |
| Net operating income to assets | 1.4357% | 948 |
| Return on assets (ROA) | 1.4357% | 1,015 |
| Pretax return on assets | 1.4357% | 1,634 |
| Return on Equity (ROE) | 13.1015% | 1,160 |
| Retained earnings to average equity (ytd only) | 5.0731% | 2,468 |
| Net charge-offs to loans | 0.7350% | 2,212 |
| Credit loss provision to net charge-offs | 110.0244% | 4,213 |
| Earnings coverage of net charge-offs (x) | 3.7775% | 3,311 |
| Efficiency ratio | 64.1365% | 5,890 |
| Assets per employee ($millions) | 2.4601% | 7,324 |
| Cash dividends to net income (ytd only)* | 61.2785% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7937% | 2,064 |
| Loan loss allowance to noncurrent loans | 180.5970% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 5,515 |
| Noncurrent loans to loans | 0.9932% | 5,218 |
| Net loans and leases to total assets | 72.6661% | 3,045 |
| Net loans and leases to deposits | 84.0796% | 3,865 |
| Net loans and leases to core deposits | 118.0065% | 2,544 |
| Total domestic deposits to total assets | 86.4253% | 2,551 |
| Equity capital to assets | 11.0435% | 2,875 |
| Core capital (leverage) ratio | 10.5073% | 2,806 |
| Tier 1 risk-based capital ratio | 13.4617% | 3,833 |
| Total risk-based capital ratio | 14.7174% | 3,773 |
| Memoranda: | ||
| Average total assets | $152,543,000 | 3,954 |
| Average earning assets | $140,673,330 | 3,934 |
| Average equity | $16,715,670 | 3,770 |
| Average total loans | $111,291,670 | 3,735 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5696% | 757 |
| Cost of funding earning assets | 1.6603% | 5,775 |
| Net interest margin | 4.9093% | 492 |
| Noninterest income to average assets | 0.9199% | 1,778 |
| Noninterest expense to average assets | 3.5263% | 2,038 |
| Loan and lease loss provision to assets | 0.5948% | 2,112 |
| Net operating income to assets | 1.3243% | 1,326 |
| Return on assets (ROA) | 1.3243% | 1,430 |
| Pretax return on assets | 1.3243% | 2,198 |
| Return on Equity (ROE) | 12.1341% | 1,617 |
| Retained earnings to average equity (ytd only) | 5.8127% | 2,719 |
| Net charge-offs to loans | 0.0803% | 4,372 |
| Credit loss provision to net charge-offs | 1,022.7273% | 602 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 987 |
| Efficiency ratio | 64.7573% | 5,555 |
| Assets per employee ($millions) | 2.5273% | 7,226 |
| Cash dividends to net income (ytd only)* | 52.0958% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 1,422 |
| Loan loss allowance to noncurrent loans | 157.5994% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.9425% | 4,833 |
| Noncurrent loans to loans | 1.2685% | 4,450 |
| Net loans and leases to total assets | 70.5605% | 3,560 |
| Net loans and leases to deposits | 81.4077% | 4,388 |
| Net loans and leases to core deposits | 111.3601% | 3,278 |
| Total domestic deposits to total assets | 86.6755% | 2,369 |
| Equity capital to assets | 10.8869% | 3,087 |
| Core capital (leverage) ratio | 10.6373% | 2,800 |
| Tier 1 risk-based capital ratio | 13.9748% | 3,606 |
| Total risk-based capital ratio | 15.2334% | 3,521 |
| Memoranda: | ||
| Average total assets | $151,321,000 | 3,988 |
| Average earning assets | $139,490,000 | 3,963 |
| Average equity | $16,515,500 | 3,837 |
| Average total loans | $109,597,500 | 3,794 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2552% | 651 |
| Cost of funding earning assets | 2.1645% | 5,763 |
| Net interest margin | 5.0908% | 416 |
| Noninterest income to average assets | 1.1675% | 1,132 |
| Noninterest expense to average assets | 3.5922% | 2,170 |
| Loan and lease loss provision to assets | 0.4186% | 3,190 |
| Net operating income to assets | 1.8177% | 537 |
| Return on assets (ROA) | 1.8177% | 513 |
| Pretax return on assets | 1.8177% | 909 |
| Return on Equity (ROE) | 17.5304% | 573 |
| Retained earnings to average equity (ytd only) | 9.6834% | 497 |
| Net charge-offs to loans | 0.0892% | 5,467 |
| Credit loss provision to net charge-offs | 652.6316% | 650 |
| Earnings coverage of net charge-offs (x) | 34.8632% | 1,041 |
| Efficiency ratio | 61.6311% | 6,022 |
| Assets per employee ($millions) | 2.3567% | 7,476 |
| Cash dividends to net income (ytd only)* | 44.7623% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8633% | 1,499 |
| Loan loss allowance to noncurrent loans | 269.5187% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5442% | 5,546 |
| Noncurrent loans to loans | 0.6913% | 5,310 |
| Net loans and leases to total assets | 71.5130% | 3,688 |
| Net loans and leases to deposits | 82.7410% | 4,616 |
| Net loans and leases to core deposits | 113.1200% | 3,434 |
| Total domestic deposits to total assets | 86.4300% | 2,203 |
| Equity capital to assets | 10.9426% | 3,087 |
| Core capital (leverage) ratio | 10.3827% | 3,092 |
| Tier 1 risk-based capital ratio | 13.8904% | 3,597 |
| Total risk-based capital ratio | 15.1463% | 3,519 |
| Memoranda: | ||
| Average total assets | $148,097,600 | 3,936 |
| Average earning assets | $135,598,600 | 3,942 |
| Average equity | $15,356,200 | 4,061 |
| Average total loans | $106,540,400 | 3,778 |