Home > Sterling Bank > Performance and Condition Ratios
Sterling Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0583% | 367 |
| Cost of funding earning assets | 2.8340% | 658 |
| Net interest margin | 4.2242% | 904 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 2.2359% | 3,021 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 1.5035% | 902 |
| Return on assets (ROA) | 1.5035% | 901 |
| Pretax return on assets | 1.8208% | 793 |
| Return on Equity (ROE) | 12.5600% | 1,480 |
| Retained earnings to average equity (ytd only) | 2.3902% | 3,258 |
| Net charge-offs to loans | 0.2216% | 655 |
| Credit loss provision to net charge-offs | 52.0638% | 2,326 |
| Earnings coverage of net charge-offs (x) | 12.4479% | 2,157 |
| Efficiency ratio | 54.0562% | 3,718 |
| Assets per employee ($millions) | 9.1451% | 1,012 |
| Cash dividends to net income (ytd only)* | 80.9639% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 1,552 |
| Loan loss allowance to noncurrent loans | 154.3088% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 1,233 |
| Noncurrent loans to loans | 0.8615% | 1,161 |
| Net loans and leases to total assets | 67.0400% | 2,254 |
| Net loans and leases to deposits | 77.2661% | 2,342 |
| Net loans and leases to core deposits | 93.1631% | 1,898 |
| Total domestic deposits to total assets | 86.7600% | 1,949 |
| Equity capital to assets | 11.9393% | 1,205 |
| Core capital (leverage) ratio | 11.8360% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5443% | 708 |
| Memoranda: | ||
| Average total assets | $1,396,558,000 | 778 |
| Average earning assets | $1,292,161,200 | 770 |
| Average equity | $167,222,400 | 658 |
| Average total loans | $961,976,600 | 784 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9722% | 403 |
| Cost of funding earning assets | 2.8343% | 666 |
| Net interest margin | 4.1379% | 971 |
| Noninterest income to average assets | 0.2300% | 3,510 |
| Noninterest expense to average assets | 2.2240% | 3,013 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.5109% | 924 |
| Return on assets (ROA) | 1.5109% | 923 |
| Pretax return on assets | 1.8263% | 841 |
| Return on Equity (ROE) | 12.6100% | 1,458 |
| Retained earnings to average equity (ytd only) | 2.0433% | 3,452 |
| Net charge-offs to loans | 0.0193% | 1,980 |
| Credit loss provision to net charge-offs | 43.1655% | 2,096 |
| Earnings coverage of net charge-offs (x) | 137.5396% | 651 |
| Efficiency ratio | 54.8315% | 3,657 |
| Assets per employee ($millions) | 9.3491% | 949 |
| Cash dividends to net income (ytd only)* | 83.7953% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 1,207 |
| Loan loss allowance to noncurrent loans | 185.5697% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 1,352 |
| Noncurrent loans to loans | 0.7763% | 1,279 |
| Net loans and leases to total assets | 66.1800% | 2,299 |
| Net loans and leases to deposits | 76.4044% | 2,493 |
| Net loans and leases to core deposits | 91.4939% | 2,043 |
| Total domestic deposits to total assets | 86.6200% | 1,721 |
| Equity capital to assets | 11.8872% | 1,325 |
| Core capital (leverage) ratio | 11.9595% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5844% | 715 |
| Memoranda: | ||
| Average total assets | $1,391,324,500 | 772 |
| Average earning assets | $1,286,721,500 | 765 |
| Average equity | $166,718,500 | 652 |
| Average total loans | $961,704,500 | 780 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0173% | 358 |
| Cost of funding earning assets | 2.8037% | 656 |
| Net interest margin | 4.2136% | 879 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 2.1914% | 3,096 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.5820% | 806 |
| Return on assets (ROA) | 1.5820% | 812 |
| Pretax return on assets | 1.9243% | 718 |
| Return on Equity (ROE) | 13.1700% | 1,329 |
| Retained earnings to average equity (ytd only) | 2.2785% | 3,262 |
| Net charge-offs to loans | 0.0207% | 1,745 |
| Credit loss provision to net charge-offs | 60.0000% | 1,770 |
| Earnings coverage of net charge-offs (x) | 133.5100% | 645 |
| Efficiency ratio | 53.1330% | 3,822 |
| Assets per employee ($millions) | 9.1089% | 968 |
| Cash dividends to net income (ytd only)* | 82.6942% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,421 |
| Loan loss allowance to noncurrent loans | 109.1362% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.9209% | 673 |
| Noncurrent loans to loans | 1.2714% | 713 |
| Net loans and leases to total assets | 71.2900% | 1,750 |
| Net loans and leases to deposits | 82.5790% | 1,964 |
| Net loans and leases to core deposits | 97.6286% | 1,633 |
| Total domestic deposits to total assets | 86.3300% | 1,885 |
| Equity capital to assets | 12.1664% | 1,113 |
| Core capital (leverage) ratio | 12.0644% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9173% | 792 |
| Memoranda: | ||
| Average total assets | $1,381,411,000 | 781 |
| Average earning assets | $1,276,589,333 | 773 |
| Average equity | $165,983,000 | 655 |
| Average total loans | $964,189,000 | 781 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7472% | 445 |
| Cost of funding earning assets | 2.7991% | 604 |
| Net interest margin | 3.9481% | 1,153 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 2.1731% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4531% | 973 |
| Return on assets (ROA) | 1.4531% | 979 |
| Pretax return on assets | 1.7140% | 938 |
| Return on Equity (ROE) | 12.1700% | 1,517 |
| Retained earnings to average equity (ytd only) | -0.5130% | 3,795 |
| Net charge-offs to loans | 0.0080% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 312.2105% | 293 |
| Efficiency ratio | 55.9057% | 3,609 |
| Assets per employee ($millions) | 9.7564% | 792 |
| Cash dividends to net income (ytd only)* | 104.2155% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,350 |
| Loan loss allowance to noncurrent loans | 382.0348% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 2,067 |
| Noncurrent loans to loans | 0.3692% | 2,026 |
| Net loans and leases to total assets | 68.7800% | 1,934 |
| Net loans and leases to deposits | 79.4786% | 2,111 |
| Net loans and leases to core deposits | 93.4069% | 1,821 |
| Total domestic deposits to total assets | 86.5400% | 1,927 |
| Equity capital to assets | 11.9080% | 1,154 |
| Core capital (leverage) ratio | 11.9072% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2739% | 770 |
| Memoranda: | ||
| Average total assets | $1,384,393,000 | 787 |
| Average earning assets | $1,279,406,000 | 780 |
| Average equity | $165,303,000 | 662 |
| Average total loans | $949,118,000 | 790 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3968% | 391 |
| Cost of funding earning assets | 2.2725% | 571 |
| Net interest margin | 4.1242% | 1,045 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.1269% | 3,331 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.6362% | 817 |
| Return on assets (ROA) | 1.6362% | 784 |
| Pretax return on assets | 1.9267% | 748 |
| Return on Equity (ROE) | 13.7300% | 1,550 |
| Retained earnings to average equity (ytd only) | 2.0684% | 3,566 |
| Net charge-offs to loans | 0.0101% | 2,270 |
| Credit loss provision to net charge-offs | 90.9091% | 1,945 |
| Earnings coverage of net charge-offs (x) | 266.9899% | 475 |
| Efficiency ratio | 52.3508% | 3,799 |
| Assets per employee ($millions) | 9.4108% | 857 |
| Cash dividends to net income (ytd only)* | 84.9352% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 1,097 |
| Loan loss allowance to noncurrent loans | 407.5633% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 1,971 |
| Noncurrent loans to loans | 0.3647% | 1,894 |
| Net loans and leases to total assets | 66.3500% | 2,218 |
| Net loans and leases to deposits | 76.6566% | 2,386 |
| Net loans and leases to core deposits | 89.6550% | 2,075 |
| Total domestic deposits to total assets | 86.5600% | 1,829 |
| Equity capital to assets | 11.9730% | 1,133 |
| Core capital (leverage) ratio | 11.8999% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9460% | 695 |
| Memoranda: | ||
| Average total assets | $1,367,221,400 | 765 |
| Average earning assets | $1,269,253,400 | 759 |
| Average equity | $162,926,600 | 632 |
| Average total loans | $977,676,200 | 745 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2010% | 421 |
| Cost of funding earning assets | 2.1040% | 589 |
| Net interest margin | 4.0970% | 1,073 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.1054% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6410% | 877 |
| Return on assets (ROA) | 1.6410% | 869 |
| Pretax return on assets | 1.9362% | 825 |
| Return on Equity (ROE) | 13.7900% | 1,709 |
| Retained earnings to average equity (ytd only) | 1.4603% | 3,854 |
| Net charge-offs to loans | 0.0140% | 1,892 |
| Credit loss provision to net charge-offs | 28.8462% | 1,978 |
| Earnings coverage of net charge-offs (x) | 190.6346% | 620 |
| Efficiency ratio | 52.0096% | 3,755 |
| Assets per employee ($millions) | 9.5428% | 780 |
| Cash dividends to net income (ytd only)* | 89.4087% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 1,479 |
| Loan loss allowance to noncurrent loans | 394.6178% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 1,979 |
| Noncurrent loans to loans | 0.3525% | 1,961 |
| Net loans and leases to total assets | 71.6100% | 1,625 |
| Net loans and leases to deposits | 82.7347% | 1,849 |
| Net loans and leases to core deposits | 96.8663% | 1,511 |
| Total domestic deposits to total assets | 86.5600% | 2,023 |
| Equity capital to assets | 11.9191% | 1,056 |
| Core capital (leverage) ratio | 11.9804% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5244% | 882 |
| Memoranda: | ||
| Average total assets | $1,363,181,500 | 770 |
| Average earning assets | $1,267,277,500 | 755 |
| Average equity | $162,250,250 | 628 |
| Average total loans | $989,155,000 | 735 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0815% | 405 |
| Cost of funding earning assets | 1.9107% | 590 |
| Net interest margin | 4.1708% | 972 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.0577% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7345% | 735 |
| Return on assets (ROA) | 1.7345% | 740 |
| Pretax return on assets | 2.0591% | 679 |
| Return on Equity (ROE) | 14.5800% | 1,557 |
| Retained earnings to average equity (ytd only) | 1.0203% | 3,910 |
| Net charge-offs to loans | 0.0117% | 1,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 241.8966% | 520 |
| Efficiency ratio | 49.9144% | 3,939 |
| Assets per employee ($millions) | 9.2428% | 839 |
| Cash dividends to net income (ytd only)* | 93.0022% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,585 |
| Loan loss allowance to noncurrent loans | 409.1313% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 1,944 |
| Noncurrent loans to loans | 0.3383% | 1,916 |
| Net loans and leases to total assets | 72.3600% | 1,484 |
| Net loans and leases to deposits | 83.5562% | 1,712 |
| Net loans and leases to core deposits | 97.8748% | 1,356 |
| Total domestic deposits to total assets | 86.6000% | 2,057 |
| Equity capital to assets | 11.9598% | 1,062 |
| Core capital (leverage) ratio | 11.8405% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2299% | 924 |
| Memoranda: | ||
| Average total assets | $1,362,701,667 | 760 |
| Average earning assets | $1,268,104,333 | 747 |
| Average equity | $162,116,667 | 626 |
| Average total loans | $988,538,333 | 718 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9563% | 327 |
| Cost of funding earning assets | 1.7205% | 547 |
| Net interest margin | 4.2357% | 896 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.9787% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8398% | 632 |
| Return on assets (ROA) | 1.8398% | 617 |
| Pretax return on assets | 2.1945% | 579 |
| Return on Equity (ROE) | 15.5100% | 1,459 |
| Retained earnings to average equity (ytd only) | 0.7559% | 3,899 |
| Net charge-offs to loans | 0.0114% | 1,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 267.3929% | 407 |
| Efficiency ratio | 47.2819% | 4,136 |
| Assets per employee ($millions) | 9.5267% | 797 |
| Cash dividends to net income (ytd only)* | 95.1251% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 1,571 |
| Loan loss allowance to noncurrent loans | 411.9750% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 1,883 |
| Noncurrent loans to loans | 0.3430% | 1,915 |
| Net loans and leases to total assets | 70.3300% | 1,588 |
| Net loans and leases to deposits | 80.9051% | 1,755 |
| Net loans and leases to core deposits | 92.7032% | 1,467 |
| Total domestic deposits to total assets | 86.9200% | 2,297 |
| Equity capital to assets | 11.8364% | 1,050 |
| Core capital (leverage) ratio | 11.7922% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3932% | 931 |
| Memoranda: | ||
| Average total assets | $1,364,707,500 | 773 |
| Average earning assets | $1,270,994,000 | 760 |
| Average equity | $161,927,000 | 638 |
| Average total loans | $984,352,000 | 735 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0539% | 274 |
| Cost of funding earning assets | 0.8510% | 320 |
| Net interest margin | 4.2029% | 533 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.9073% | 3,811 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.8046% | 442 |
| Return on assets (ROA) | 1.8046% | 424 |
| Pretax return on assets | 2.2075% | 314 |
| Return on Equity (ROE) | 15.5500% | 1,133 |
| Retained earnings to average equity (ytd only) | 3.7088% | 3,493 |
| Net charge-offs to loans | 0.1174% | 645 |
| Credit loss provision to net charge-offs | 8.3682% | 1,962 |
| Earnings coverage of net charge-offs (x) | 25.5414% | 1,766 |
| Efficiency ratio | 45.8729% | 4,350 |
| Assets per employee ($millions) | 9.8374% | 715 |
| Cash dividends to net income (ytd only)* | 76.1551% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 1,506 |
| Loan loss allowance to noncurrent loans | 138,580.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 3,907 |
| Noncurrent loans to loans | 0.0010% | 3,898 |
| Net loans and leases to total assets | 71.9100% | 1,427 |
| Net loans and leases to deposits | 83.2869% | 1,521 |
| Net loans and leases to core deposits | 93.0695% | 1,342 |
| Total domestic deposits to total assets | 86.3400% | 2,626 |
| Equity capital to assets | 11.8946% | 966 |
| Core capital (leverage) ratio | 11.5811% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5160% | 894 |
| Memoranda: | ||
| Average total assets | $1,378,116,600 | 753 |
| Average earning assets | $1,288,335,600 | 737 |
| Average equity | $159,888,800 | 648 |
| Average total loans | $1,017,609,600 | 669 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 300 |
| Cost of funding earning assets | 0.6911% | 282 |
| Net interest margin | 4.0781% | 537 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.8717% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7302% | 493 |
| Return on assets (ROA) | 1.7302% | 481 |
| Pretax return on assets | 2.1324% | 358 |
| Return on Equity (ROE) | 15.0100% | 1,172 |
| Retained earnings to average equity (ytd only) | 4.5661% | 3,253 |
| Net charge-offs to loans | 0.1491% | 443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 19.3045% | 1,727 |
| Efficiency ratio | 46.3349% | 4,365 |
| Assets per employee ($millions) | 9.9635% | 664 |
| Cash dividends to net income (ytd only)* | 69.5710% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 1,655 |
| Loan loss allowance to noncurrent loans | 38,352.7778% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,960 |
| Noncurrent loans to loans | 0.0036% | 3,936 |
| Net loans and leases to total assets | 71.4200% | 1,350 |
| Net loans and leases to deposits | 82.6108% | 1,393 |
| Net loans and leases to core deposits | 89.4665% | 1,332 |
| Total domestic deposits to total assets | 86.4500% | 2,944 |
| Equity capital to assets | 11.6943% | 940 |
| Core capital (leverage) ratio | 11.3929% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0348% | 982 |
| Memoranda: | ||
| Average total assets | $1,383,253,750 | 758 |
| Average earning assets | $1,294,114,000 | 744 |
| Average equity | $159,491,750 | 657 |
| Average total loans | $1,024,484,250 | 669 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 342 |
| Cost of funding earning assets | 0.5862% | 308 |
| Net interest margin | 3.9721% | 525 |
| Noninterest income to average assets | 0.1864% | 4,072 |
| Noninterest expense to average assets | 1.8219% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6763% | 451 |
| Return on assets (ROA) | 1.6763% | 447 |
| Pretax return on assets | 2.0847% | 309 |
| Return on Equity (ROE) | 14.6073% | 977 |
| Retained earnings to average equity (ytd only) | 4.7706% | 2,791 |
| Net charge-offs to loans | 0.2110% | 306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 13.2420% | 1,692 |
| Efficiency ratio | 46.2195% | 4,442 |
| Assets per employee ($millions) | 9.9046% | 683 |
| Cash dividends to net income (ytd only)* | 67.3410% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 1,830 |
| Loan loss allowance to noncurrent loans | 198,028.5714% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 4,033 |
| Noncurrent loans to loans | 0.0007% | 4,014 |
| Net loans and leases to total assets | 71.8709% | 1,117 |
| Net loans and leases to deposits | 82.9852% | 1,185 |
| Net loans and leases to core deposits | 90.4455% | 1,099 |
| Total domestic deposits to total assets | 86.6069% | 3,075 |
| Equity capital to assets | 11.6186% | 992 |
| Core capital (leverage) ratio | 11.2338% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5098% | 1,074 |
| Memoranda: | ||
| Average total assets | $1,386,016,333 | 751 |
| Average earning assets | $1,298,103,333 | 742 |
| Average equity | $159,058,000 | 663 |
| Average total loans | $1,034,042,000 | 656 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 366 |
| Cost of funding earning assets | 0.5611% | 347 |
| Net interest margin | 3.8620% | 552 |
| Noninterest income to average assets | 0.1769% | 4,113 |
| Noninterest expense to average assets | 1.7494% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6427% | 462 |
| Return on assets (ROA) | 1.6427% | 462 |
| Pretax return on assets | 2.0465% | 325 |
| Return on Equity (ROE) | 14.4028% | 755 |
| Retained earnings to average equity (ytd only) | 2.8347% | 3,325 |
| Net charge-offs to loans | 0.3930% | 172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 6.9011% | 1,555 |
| Efficiency ratio | 45.6543% | 4,506 |
| Assets per employee ($millions) | 10.2484% | 641 |
| Cash dividends to net income (ytd only)* | 80.3187% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 2,158 |
| Loan loss allowance to noncurrent loans | 464,066.6667% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 4,085 |
| Noncurrent loans to loans | 0.0003% | 4,065 |
| Net loans and leases to total assets | 73.5345% | 692 |
| Net loans and leases to deposits | 84.6096% | 844 |
| Net loans and leases to core deposits | 93.5360% | 751 |
| Total domestic deposits to total assets | 86.9103% | 2,962 |
| Equity capital to assets | 11.3636% | 1,177 |
| Core capital (leverage) ratio | 10.9203% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6231% | 1,358 |
| Memoranda: | ||
| Average total assets | $1,390,657,500 | 752 |
| Average earning assets | $1,303,144,500 | 744 |
| Average equity | $158,608,500 | 683 |
| Average total loans | $1,049,396,500 | 628 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 264 |
| Cost of funding earning assets | 0.6966% | 330 |
| Net interest margin | 4.2993% | 404 |
| Noninterest income to average assets | 0.1791% | 4,258 |
| Noninterest expense to average assets | 1.8106% | 4,130 |
| Loan and lease loss provision to assets | 0.1515% | 794 |
| Net operating income to assets | 1.8066% | 501 |
| Return on assets (ROA) | 1.8066% | 521 |
| Pretax return on assets | 2.2469% | 378 |
| Return on Equity (ROE) | 15.9265% | 773 |
| Retained earnings to average equity (ytd only) | 5.5201% | 2,555 |
| Net charge-offs to loans | 0.0915% | 906 |
| Credit loss provision to net charge-offs | 214.3595% | 1,270 |
| Earnings coverage of net charge-offs (x) | 33.9452% | 1,528 |
| Efficiency ratio | 42.6255% | 4,622 |
| Assets per employee ($millions) | 10.2780% | 614 |
| Cash dividends to net income (ytd only)* | 65.3402% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,169 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 75.3141% | 561 |
| Net loans and leases to deposits | 86.7293% | 734 |
| Net loans and leases to core deposits | 97.9502% | 616 |
| Total domestic deposits to total assets | 86.8382% | 2,575 |
| Equity capital to assets | 11.4472% | 1,538 |
| Core capital (leverage) ratio | 11.0247% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1375% | 1,472 |
| Memoranda: | ||
| Average total assets | $1,370,076,000 | 727 |
| Average earning assets | $1,284,182,600 | 720 |
| Average equity | $155,414,200 | 694 |
| Average total loans | $1,057,402,400 | 625 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9749% | 315 |
| Cost of funding earning assets | 0.7232% | 341 |
| Net interest margin | 4.2517% | 501 |
| Noninterest income to average assets | 0.1741% | 4,338 |
| Noninterest expense to average assets | 1.7702% | 4,220 |
| Loan and lease loss provision to assets | 0.0488% | 2,022 |
| Net operating income to assets | 1.8540% | 610 |
| Return on assets (ROA) | 1.8540% | 632 |
| Pretax return on assets | 2.3385% | 433 |
| Return on Equity (ROE) | 16.3825% | 872 |
| Retained earnings to average equity (ytd only) | 6.6544% | 2,555 |
| Net charge-offs to loans | 0.1187% | 661 |
| Credit loss provision to net charge-offs | 53.1350% | 1,844 |
| Earnings coverage of net charge-offs (x) | 25.9862% | 1,602 |
| Efficiency ratio | 42.1792% | 4,656 |
| Assets per employee ($millions) | 10.3262% | 582 |
| Cash dividends to net income (ytd only)* | 59.3808% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,260 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 78.9630% | 349 |
| Net loans and leases to deposits | 91.3610% | 521 |
| Net loans and leases to core deposits | 103.4352% | 475 |
| Total domestic deposits to total assets | 86.4297% | 2,591 |
| Equity capital to assets | 11.5252% | 1,655 |
| Core capital (leverage) ratio | 10.8371% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0710% | 1,946 |
| Memoranda: | ||
| Average total assets | $1,365,711,750 | 740 |
| Average earning assets | $1,279,517,750 | 734 |
| Average equity | $154,559,500 | 707 |
| Average total loans | $1,056,762,750 | 636 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 435 |
| Cost of funding earning assets | 0.7580% | 356 |
| Net interest margin | 4.0985% | 697 |
| Noninterest income to average assets | 0.1683% | 4,362 |
| Noninterest expense to average assets | 1.7181% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8123% | 697 |
| Return on assets (ROA) | 1.8123% | 730 |
| Pretax return on assets | 2.2900% | 487 |
| Return on Equity (ROE) | 16.1129% | 937 |
| Retained earnings to average equity (ytd only) | 6.9124% | 2,460 |
| Net charge-offs to loans | 0.0059% | 1,931 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 503.4839% | 263 |
| Efficiency ratio | 42.4519% | 4,680 |
| Assets per employee ($millions) | 10.3084% | 558 |
| Cash dividends to net income (ytd only)* | 57.1001% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 2,499 |
| Loan loss allowance to noncurrent loans | 1,343.8716% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,714 |
| Noncurrent loans to loans | 0.0958% | 3,700 |
| Net loans and leases to total assets | 76.1429% | 583 |
| Net loans and leases to deposits | 87.7344% | 792 |
| Net loans and leases to core deposits | 99.8178% | 665 |
| Total domestic deposits to total assets | 86.7879% | 2,433 |
| Equity capital to assets | 11.2079% | 1,828 |
| Core capital (leverage) ratio | 10.6338% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2149% | 1,901 |
| Memoranda: | ||
| Average total assets | $1,363,156,333 | 736 |
| Average earning assets | $1,277,100,000 | 731 |
| Average equity | $153,318,000 | 707 |
| Average total loans | $1,043,061,667 | 647 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 409 |
| Cost of funding earning assets | 0.8096% | 331 |
| Net interest margin | 4.0965% | 722 |
| Noninterest income to average assets | 0.1625% | 4,388 |
| Noninterest expense to average assets | 1.6852% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8103% | 772 |
| Return on assets (ROA) | 1.8103% | 823 |
| Pretax return on assets | 2.3064% | 581 |
| Return on Equity (ROE) | 16.0668% | 1,000 |
| Retained earnings to average equity (ytd only) | 6.1057% | 2,854 |
| Net charge-offs to loans | 0.0070% | 1,647 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 432.1111% | 216 |
| Efficiency ratio | 41.7948% | 4,678 |
| Assets per employee ($millions) | 10.2911% | 547 |
| Cash dividends to net income (ytd only)* | 61.9984% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 2,309 |
| Loan loss allowance to noncurrent loans | 1,686.3415% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 3,948 |
| Noncurrent loans to loans | 0.0787% | 3,901 |
| Net loans and leases to total assets | 75.6697% | 661 |
| Net loans and leases to deposits | 87.3058% | 870 |
| Net loans and leases to core deposits | 101.0328% | 671 |
| Total domestic deposits to total assets | 86.6720% | 2,456 |
| Equity capital to assets | 11.2594% | 1,678 |
| Core capital (leverage) ratio | 10.6916% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8970% | 1,930 |
| Memoranda: | ||
| Average total assets | $1,348,915,500 | 740 |
| Average earning assets | $1,260,890,000 | 733 |
| Average equity | $151,990,000 | 703 |
| Average total loans | $1,027,868,500 | 657 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9494% | 539 |
| Cost of funding earning assets | 1.1731% | 306 |
| Net interest margin | 3.7763% | 1,568 |
| Noninterest income to average assets | 0.3112% | 3,619 |
| Noninterest expense to average assets | 1.8490% | 4,394 |
| Loan and lease loss provision to assets | 0.2523% | 1,535 |
| Net operating income to assets | 1.4036% | 1,010 |
| Return on assets (ROA) | 1.4258% | 1,049 |
| Pretax return on assets | 1.7582% | 751 |
| Return on Equity (ROE) | 12.1583% | 1,281 |
| Retained earnings to average equity (ytd only) | 2.6960% | 3,508 |
| Net charge-offs to loans | 0.3008% | 580 |
| Credit loss provision to net charge-offs | 110.3661% | 2,720 |
| Earnings coverage of net charge-offs (x) | 8.6757% | 2,581 |
| Efficiency ratio | 47.7900% | 4,641 |
| Assets per employee ($millions) | 10.0708% | 517 |
| Cash dividends to net income (ytd only)* | 77.8259% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 2,120 |
| Loan loss allowance to noncurrent loans | 1,715.7373% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 4,043 |
| Noncurrent loans to loans | 0.0796% | 3,973 |
| Net loans and leases to total assets | 74.6710% | 944 |
| Net loans and leases to deposits | 86.3093% | 1,226 |
| Net loans and leases to core deposits | 101.2568% | 848 |
| Total domestic deposits to total assets | 86.5156% | 2,139 |
| Equity capital to assets | 11.2758% | 2,037 |
| Core capital (leverage) ratio | 10.7921% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0295% | 1,839 |
| Memoranda: | ||
| Average total assets | $1,278,797,800 | 714 |
| Average earning assets | $1,192,272,600 | 703 |
| Average equity | $149,963,800 | 676 |
| Average total loans | $971,818,000 | 664 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9081% | 722 |
| Cost of funding earning assets | 1.2415% | 313 |
| Net interest margin | 3.6666% | 2,041 |
| Noninterest income to average assets | 0.3527% | 3,341 |
| Noninterest expense to average assets | 1.8363% | 4,431 |
| Loan and lease loss provision to assets | 0.1127% | 2,915 |
| Net operating income to assets | 1.4817% | 939 |
| Return on assets (ROA) | 1.5117% | 962 |
| Pretax return on assets | 1.8571% | 704 |
| Return on Equity (ROE) | 12.7605% | 1,179 |
| Retained earnings to average equity (ytd only) | 4.1380% | 2,974 |
| Net charge-offs to loans | 0.3305% | 474 |
| Credit loss provision to net charge-offs | 44.8175% | 2,906 |
| Earnings coverage of net charge-offs (x) | 7.6869% | 2,557 |
| Efficiency ratio | 48.2448% | 4,592 |
| Assets per employee ($millions) | 9.7937% | 546 |
| Cash dividends to net income (ytd only)* | 67.5717% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 2,594 |
| Loan loss allowance to noncurrent loans | 794.0260% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 3,803 |
| Noncurrent loans to loans | 0.1528% | 3,774 |
| Net loans and leases to total assets | 78.2119% | 804 |
| Net loans and leases to deposits | 91.4004% | 1,119 |
| Net loans and leases to core deposits | 110.1241% | 700 |
| Total domestic deposits to total assets | 85.5707% | 2,229 |
| Equity capital to assets | 11.9028% | 1,735 |
| Core capital (leverage) ratio | 10.8972% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1256% | 1,789 |
| Memoranda: | ||
| Average total assets | $1,263,644,250 | 709 |
| Average earning assets | $1,177,409,000 | 702 |
| Average equity | $149,697,250 | 665 |
| Average total loans | $961,273,000 | 659 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9094% | 961 |
| Cost of funding earning assets | 1.3234% | 324 |
| Net interest margin | 3.5860% | 2,530 |
| Noninterest income to average assets | 0.4049% | 3,047 |
| Noninterest expense to average assets | 1.8592% | 4,470 |
| Loan and lease loss provision to assets | 0.1382% | 2,637 |
| Net operating income to assets | 1.4464% | 1,026 |
| Return on assets (ROA) | 1.4926% | 1,012 |
| Pretax return on assets | 1.8014% | 814 |
| Return on Equity (ROE) | 12.6200% | 1,189 |
| Retained earnings to average equity (ytd only) | 5.7177% | 2,187 |
| Net charge-offs to loans | 0.4989% | 320 |
| Credit loss provision to net charge-offs | 36.9224% | 2,680 |
| Earnings coverage of net charge-offs (x) | 5.0331% | 2,547 |
| Efficiency ratio | 49.1903% | 4,549 |
| Assets per employee ($millions) | 9.8231% | 527 |
| Cash dividends to net income (ytd only)* | 54.6933% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,254 |
| Loan loss allowance to noncurrent loans | 937.4028% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 3,883 |
| Noncurrent loans to loans | 0.1333% | 3,921 |
| Net loans and leases to total assets | 73.4709% | 1,482 |
| Net loans and leases to deposits | 85.5448% | 1,821 |
| Net loans and leases to core deposits | 104.1214% | 995 |
| Total domestic deposits to total assets | 85.8859% | 2,069 |
| Equity capital to assets | 11.6699% | 1,852 |
| Core capital (leverage) ratio | 11.0063% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8391% | 1,536 |
| Memoranda: | ||
| Average total assets | $1,260,464,333 | 693 |
| Average earning assets | $1,173,335,000 | 681 |
| Average equity | $149,081,333 | 664 |
| Average total loans | $945,694,000 | 659 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 1,218 |
| Cost of funding earning assets | 1.4584% | 310 |
| Net interest margin | 3.4293% | 3,215 |
| Noninterest income to average assets | 0.1829% | 4,452 |
| Noninterest expense to average assets | 1.7666% | 4,702 |
| Loan and lease loss provision to assets | 0.0174% | 3,578 |
| Net operating income to assets | 1.2586% | 1,355 |
| Return on assets (ROA) | 1.3490% | 1,194 |
| Pretax return on assets | 1.6932% | 866 |
| Return on Equity (ROE) | 11.3271% | 1,316 |
| Retained earnings to average equity (ytd only) | 6.4178% | 1,741 |
| Net charge-offs to loans | 0.3645% | 391 |
| Credit loss provision to net charge-offs | 6.3306% | 2,238 |
| Earnings coverage of net charge-offs (x) | 5.8171% | 2,022 |
| Efficiency ratio | 51.9667% | 4,554 |
| Assets per employee ($millions) | 9.5523% | 440 |
| Cash dividends to net income (ytd only)* | 43.3413% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 1,812 |
| Loan loss allowance to noncurrent loans | 479.2779% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 3,444 |
| Noncurrent loans to loans | 0.2857% | 3,469 |
| Net loans and leases to total assets | 73.9227% | 1,616 |
| Net loans and leases to deposits | 86.4594% | 1,935 |
| Net loans and leases to core deposits | 108.6310% | 915 |
| Total domestic deposits to total assets | 85.4999% | 2,212 |
| Equity capital to assets | 12.0314% | 2,042 |
| Core capital (leverage) ratio | 11.0365% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3816% | 1,789 |
| Memoranda: | ||
| Average total assets | $1,242,375,000 | 668 |
| Average earning assets | $1,152,532,500 | 662 |
| Average equity | $147,963,500 | 665 |
| Average total loans | $936,186,000 | 639 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2723% | 870 |
| Cost of funding earning assets | 1.5951% | 307 |
| Net interest margin | 3.6772% | 2,878 |
| Noninterest income to average assets | 0.1970% | 4,483 |
| Noninterest expense to average assets | 1.7776% | 4,797 |
| Loan and lease loss provision to assets | 0.2754% | 642 |
| Net operating income to assets | 1.2252% | 1,962 |
| Return on assets (ROA) | 1.2269% | 2,048 |
| Pretax return on assets | 1.5613% | 1,614 |
| Return on Equity (ROE) | 10.4201% | 2,112 |
| Retained earnings to average equity (ytd only) | 0.8653% | 4,425 |
| Net charge-offs to loans | 0.0596% | 2,255 |
| Credit loss provision to net charge-offs | 596.5217% | 522 |
| Earnings coverage of net charge-offs (x) | 39.7391% | 1,321 |
| Efficiency ratio | 48.7109% | 4,797 |
| Assets per employee ($millions) | 9.4882% | 413 |
| Cash dividends to net income (ytd only)* | 91.6961% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 1,400 |
| Loan loss allowance to noncurrent loans | 326.6522% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 2,921 |
| Noncurrent loans to loans | 0.4403% | 2,867 |
| Net loans and leases to total assets | 74.6702% | 1,634 |
| Net loans and leases to deposits | 86.9865% | 1,974 |
| Net loans and leases to core deposits | 111.4204% | 778 |
| Total domestic deposits to total assets | 85.8411% | 2,124 |
| Equity capital to assets | 11.7882% | 2,290 |
| Core capital (leverage) ratio | 10.8348% | 2,652 |
| Tier 1 risk-based capital ratio | 13.7801% | 3,378 |
| Total risk-based capital ratio | 15.0319% | 3,284 |
| Memoranda: | ||
| Average total assets | $1,245,591,000 | 636 |
| Average earning assets | $1,156,810,200 | 627 |
| Average equity | $146,658,400 | 637 |
| Average total loans | $965,537,200 | 594 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 1,145 |
| Cost of funding earning assets | 1.6063% | 287 |
| Net interest margin | 3.5474% | 3,415 |
| Noninterest income to average assets | 0.1718% | 4,686 |
| Noninterest expense to average assets | 1.7200% | 4,903 |
| Loan and lease loss provision to assets | 0.0184% | 3,540 |
| Net operating income to assets | 1.3343% | 1,708 |
| Return on assets (ROA) | 1.3366% | 1,764 |
| Pretax return on assets | 1.7318% | 1,244 |
| Return on Equity (ROE) | 11.3550% | 1,868 |
| Retained earnings to average equity (ytd only) | 3.1521% | 3,830 |
| Net charge-offs to loans | 0.0253% | 2,593 |
| Credit loss provision to net charge-offs | 93.4783% | 2,361 |
| Earnings coverage of net charge-offs (x) | 88.7599% | 807 |
| Efficiency ratio | 49.0820% | 4,793 |
| Assets per employee ($millions) | 9.4161% | 415 |
| Cash dividends to net income (ytd only)* | 72.2404% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,056 |
| Loan loss allowance to noncurrent loans | 231.5835% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 2,921 |
| Noncurrent loans to loans | 0.4728% | 2,880 |
| Net loans and leases to total assets | 77.0101% | 1,315 |
| Net loans and leases to deposits | 89.8643% | 1,712 |
| Net loans and leases to core deposits | 118.5796% | 573 |
| Total domestic deposits to total assets | 85.6960% | 2,121 |
| Equity capital to assets | 11.8720% | 2,357 |
| Core capital (leverage) ratio | 10.9468% | 2,695 |
| Tier 1 risk-based capital ratio | 13.6707% | 3,494 |
| Total risk-based capital ratio | 14.7525% | 3,478 |
| Memoranda: | ||
| Average total assets | $1,246,250,500 | 637 |
| Average earning assets | $1,157,739,750 | 625 |
| Average equity | $146,692,500 | 637 |
| Average total loans | $971,507,000 | 591 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1050% | 1,205 |
| Cost of funding earning assets | 1.6042% | 264 |
| Net interest margin | 3.5008% | 3,593 |
| Noninterest income to average assets | 0.1628% | 4,777 |
| Noninterest expense to average assets | 1.7105% | 4,971 |
| Loan and lease loss provision to assets | 0.0138% | 3,498 |
| Net operating income to assets | 1.3031% | 1,756 |
| Return on assets (ROA) | 1.3031% | 1,821 |
| Pretax return on assets | 1.6883% | 1,296 |
| Return on Equity (ROE) | 11.1031% | 1,937 |
| Retained earnings to average equity (ytd only) | 3.7554% | 3,378 |
| Net charge-offs to loans | 0.0221% | 2,406 |
| Credit loss provision to net charge-offs | 80.3738% | 2,222 |
| Earnings coverage of net charge-offs (x) | 98.9626% | 703 |
| Efficiency ratio | 49.5902% | 4,805 |
| Assets per employee ($millions) | 9.0500% | 452 |
| Cash dividends to net income (ytd only)* | 66.1774% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,163 |
| Loan loss allowance to noncurrent loans | 253.6139% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 2,998 |
| Noncurrent loans to loans | 0.4266% | 3,004 |
| Net loans and leases to total assets | 78.6531% | 1,095 |
| Net loans and leases to deposits | 91.7700% | 1,518 |
| Net loans and leases to core deposits | 119.7085% | 559 |
| Total domestic deposits to total assets | 85.7067% | 2,178 |
| Equity capital to assets | 11.9223% | 2,253 |
| Core capital (leverage) ratio | 11.0169% | 2,582 |
| Tier 1 risk-based capital ratio | 13.3897% | 3,635 |
| Total risk-based capital ratio | 14.4569% | 3,638 |
| Memoranda: | ||
| Average total assets | $1,244,221,670 | 638 |
| Average earning assets | $1,154,978,670 | 629 |
| Average equity | $146,031,000 | 636 |
| Average total loans | $970,308,670 | 592 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9497% | 1,479 |
| Cost of funding earning assets | 1.5756% | 247 |
| Net interest margin | 3.3741% | 3,967 |
| Noninterest income to average assets | 0.1380% | 4,907 |
| Noninterest expense to average assets | 1.6865% | 5,029 |
| Loan and lease loss provision to assets | 0.0116% | 3,286 |
| Net operating income to assets | 1.2169% | 1,999 |
| Return on assets (ROA) | 1.2169% | 2,047 |
| Pretax return on assets | 1.5642% | 1,560 |
| Return on Equity (ROE) | 10.4508% | 2,175 |
| Retained earnings to average equity (ytd only) | 6.2065% | 2,363 |
| Net charge-offs to loans | 0.0208% | 2,037 |
| Credit loss provision to net charge-offs | 72.0000% | 1,837 |
| Earnings coverage of net charge-offs (x) | 98.2000% | 675 |
| Efficiency ratio | 51.1363% | 4,750 |
| Assets per employee ($millions) | 9.4625% | 406 |
| Cash dividends to net income (ytd only)* | 40.6118% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 3,110 |
| Loan loss allowance to noncurrent loans | 268.8665% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 3,194 |
| Noncurrent loans to loans | 0.4103% | 3,116 |
| Net loans and leases to total assets | 76.6189% | 1,378 |
| Net loans and leases to deposits | 89.1735% | 1,735 |
| Net loans and leases to core deposits | 117.3045% | 603 |
| Total domestic deposits to total assets | 85.9211% | 2,312 |
| Equity capital to assets | 11.7287% | 2,207 |
| Core capital (leverage) ratio | 10.8230% | 2,746 |
| Tier 1 risk-based capital ratio | 13.3789% | 3,679 |
| Total risk-based capital ratio | 14.4503% | 3,681 |
| Memoranda: | ||
| Average total assets | $1,246,405,000 | 644 |
| Average earning assets | $1,154,101,000 | 636 |
| Average equity | $145,137,000 | 635 |
| Average total loans | $962,537,500 | 600 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9585% | 1,133 |
| Cost of funding earning assets | 1.2521% | 269 |
| Net interest margin | 3.7064% | 3,010 |
| Noninterest income to average assets | 0.1389% | 5,012 |
| Noninterest expense to average assets | 1.7776% | 5,022 |
| Loan and lease loss provision to assets | 0.0539% | 3,098 |
| Net operating income to assets | 1.3611% | 1,566 |
| Return on assets (ROA) | 1.3611% | 1,555 |
| Pretax return on assets | 1.7492% | 1,049 |
| Return on Equity (ROE) | 11.9217% | 1,742 |
| Retained earnings to average equity (ytd only) | 3.9517% | 3,399 |
| Net charge-offs to loans | 0.0230% | 2,951 |
| Credit loss provision to net charge-offs | 293.8865% | 1,043 |
| Earnings coverage of net charge-offs (x) | 98.2926% | 744 |
| Efficiency ratio | 49.1376% | 4,987 |
| Assets per employee ($millions) | 9.4944% | 400 |
| Cash dividends to net income (ytd only)* | 66.8530% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,001 |
| Loan loss allowance to noncurrent loans | 255.8162% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 3,062 |
| Noncurrent loans to loans | 0.4364% | 2,973 |
| Net loans and leases to total assets | 76.1164% | 1,592 |
| Net loans and leases to deposits | 88.3495% | 2,006 |
| Net loans and leases to core deposits | 118.2703% | 611 |
| Total domestic deposits to total assets | 86.1537% | 2,155 |
| Equity capital to assets | 11.5598% | 2,211 |
| Core capital (leverage) ratio | 10.7175% | 2,820 |
| Tier 1 risk-based capital ratio | 13.2333% | 3,701 |
| Total risk-based capital ratio | 14.3131% | 3,700 |
| Memoranda: | ||
| Average total assets | $1,248,340,800 | 626 |
| Average earning assets | $1,159,211,800 | 615 |
| Average equity | $142,521,200 | 609 |
| Average total loans | $994,443,800 | 562 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 1,066 |
| Cost of funding earning assets | 1.1802% | 282 |
| Net interest margin | 3.7617% | 2,784 |
| Noninterest income to average assets | 0.1553% | 4,999 |
| Noninterest expense to average assets | 1.6960% | 5,140 |
| Loan and lease loss provision to assets | 0.0122% | 3,755 |
| Net operating income to assets | 1.5008% | 1,189 |
| Return on assets (ROA) | 1.5008% | 1,186 |
| Pretax return on assets | 1.9437% | 743 |
| Return on Equity (ROE) | 13.1870% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.5203% | 1,878 |
| Net charge-offs to loans | 0.0236% | 2,658 |
| Credit loss provision to net charge-offs | 64.0449% | 2,698 |
| Earnings coverage of net charge-offs (x) | 102.9708% | 733 |
| Efficiency ratio | 45.9457% | 5,148 |
| Assets per employee ($millions) | 9.5231% | 381 |
| Cash dividends to net income (ytd only)* | 42.9720% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,518 |
| Loan loss allowance to noncurrent loans | 259.3631% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 3,240 |
| Noncurrent loans to loans | 0.4016% | 3,211 |
| Net loans and leases to total assets | 78.7193% | 1,214 |
| Net loans and leases to deposits | 91.8602% | 1,642 |
| Net loans and leases to core deposits | 123.5103% | 476 |
| Total domestic deposits to total assets | 85.6947% | 2,332 |
| Equity capital to assets | 11.8464% | 2,006 |
| Core capital (leverage) ratio | 10.9348% | 2,639 |
| Tier 1 risk-based capital ratio | 13.2266% | 3,773 |
| Total risk-based capital ratio | 14.2302% | 3,825 |
| Memoranda: | ||
| Average total assets | $1,249,485,000 | 627 |
| Average earning assets | $1,161,421,250 | 615 |
| Average equity | $142,207,250 | 608 |
| Average total loans | $1,003,705,750 | 556 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8280% | 1,182 |
| Cost of funding earning assets | 1.1061% | 283 |
| Net interest margin | 3.7219% | 2,853 |
| Noninterest income to average assets | 0.1585% | 5,034 |
| Noninterest expense to average assets | 1.7100% | 5,187 |
| Loan and lease loss provision to assets | 0.0099% | 3,654 |
| Net operating income to assets | 1.4663% | 1,236 |
| Return on assets (ROA) | 1.4663% | 1,238 |
| Pretax return on assets | 1.8986% | 776 |
| Return on Equity (ROE) | 13.0575% | 1,353 |
| Retained earnings to average equity (ytd only) | 6.5245% | 2,301 |
| Net charge-offs to loans | 0.0243% | 2,375 |
| Credit loss provision to net charge-offs | 50.4065% | 2,489 |
| Earnings coverage of net charge-offs (x) | 97.4797% | 707 |
| Efficiency ratio | 46.7602% | 5,176 |
| Assets per employee ($millions) | 9.7116% | 349 |
| Cash dividends to net income (ytd only)* | 50.0326% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,804 |
| Loan loss allowance to noncurrent loans | 283.8071% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 3,462 |
| Noncurrent loans to loans | 0.3543% | 3,427 |
| Net loans and leases to total assets | 80.0220% | 1,015 |
| Net loans and leases to deposits | 92.7666% | 1,498 |
| Net loans and leases to core deposits | 123.7280% | 468 |
| Total domestic deposits to total assets | 86.2616% | 2,164 |
| Equity capital to assets | 11.3738% | 2,294 |
| Core capital (leverage) ratio | 10.5477% | 2,983 |
| Tier 1 risk-based capital ratio | 11.8049% | 4,621 |
| Total risk-based capital ratio | 12.7300% | 4,698 |
| Memoranda: | ||
| Average total assets | $1,256,485,000 | 628 |
| Average earning assets | $1,168,056,000 | 615 |
| Average equity | $141,099,330 | 608 |
| Average total loans | $1,012,529,330 | 551 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 705 |
| Cost of funding earning assets | 1.0220% | 333 |
| Net interest margin | 3.9775% | 1,795 |
| Noninterest income to average assets | 0.1583% | 5,069 |
| Noninterest expense to average assets | 1.7655% | 5,187 |
| Loan and lease loss provision to assets | 0.0089% | 3,401 |
| Net operating income to assets | 1.5885% | 882 |
| Return on assets (ROA) | 1.5885% | 884 |
| Pretax return on assets | 2.0780% | 491 |
| Return on Equity (ROE) | 14.2361% | 956 |
| Retained earnings to average equity (ytd only) | 12.0965% | 670 |
| Net charge-offs to loans | 0.0371% | 1,779 |
| Credit loss provision to net charge-offs | 29.7872% | 2,067 |
| Earnings coverage of net charge-offs (x) | 69.8404% | 773 |
| Efficiency ratio | 45.3668% | 5,303 |
| Assets per employee ($millions) | 10.0123% | 325 |
| Cash dividends to net income (ytd only)* | 15.0290% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,948 |
| Loan loss allowance to noncurrent loans | 290.1368% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 3,526 |
| Noncurrent loans to loans | 0.3451% | 3,530 |
| Net loans and leases to total assets | 80.4054% | 884 |
| Net loans and leases to deposits | 93.1646% | 1,315 |
| Net loans and leases to core deposits | 123.7417% | 477 |
| Total domestic deposits to total assets | 86.3047% | 2,400 |
| Equity capital to assets | 11.3758% | 2,233 |
| Core capital (leverage) ratio | 10.4851% | 2,958 |
| Tier 1 risk-based capital ratio | 11.5799% | 4,822 |
| Total risk-based capital ratio | 12.4899% | 4,904 |
| Memoranda: | ||
| Average total assets | $1,258,332,500 | 628 |
| Average earning assets | $1,168,676,500 | 620 |
| Average equity | $140,404,000 | 615 |
| Average total loans | $1,012,449,000 | 555 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 1,914 |
| Cost of funding earning assets | 0.8849% | 409 |
| Net interest margin | 3.5553% | 3,320 |
| Noninterest income to average assets | 0.1589% | 5,166 |
| Noninterest expense to average assets | 1.6891% | 5,345 |
| Loan and lease loss provision to assets | 0.0776% | 2,646 |
| Net operating income to assets | 1.0768% | 1,955 |
| Return on assets (ROA) | 1.0768% | 1,971 |
| Pretax return on assets | 1.6957% | 1,016 |
| Return on Equity (ROE) | 10.3793% | 1,733 |
| Retained earnings to average equity (ytd only) | 3.8438% | 2,911 |
| Net charge-offs to loans | 0.0225% | 3,354 |
| Credit loss provision to net charge-offs | 457.5893% | 688 |
| Earnings coverage of net charge-offs (x) | 104.5089% | 630 |
| Efficiency ratio | 48.2071% | 5,304 |
| Assets per employee ($millions) | 9.8838% | 330 |
| Cash dividends to net income (ytd only)* | 62.9661% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,839 |
| Loan loss allowance to noncurrent loans | 742.3188% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 4,409 |
| Noncurrent loans to loans | 0.1368% | 4,378 |
| Net loans and leases to total assets | 78.8990% | 1,138 |
| Net loans and leases to deposits | 90.6224% | 1,694 |
| Net loans and leases to core deposits | 119.9042% | 583 |
| Total domestic deposits to total assets | 87.0634% | 1,961 |
| Equity capital to assets | 10.9424% | 2,685 |
| Core capital (leverage) ratio | 9.9288% | 3,542 |
| Tier 1 risk-based capital ratio | 11.2618% | 5,009 |
| Total risk-based capital ratio | 12.1894% | 5,064 |
| Memoranda: | ||
| Average total assets | $1,320,071,400 | 582 |
| Average earning assets | $1,226,611,800 | 574 |
| Average equity | $136,946,200 | 599 |
| Average total loans | $994,315,000 | 546 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,194 |
| Cost of funding earning assets | 0.8639% | 426 |
| Net interest margin | 3.4621% | 3,631 |
| Noninterest income to average assets | 0.1555% | 5,243 |
| Noninterest expense to average assets | 1.5698% | 5,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1371% | 1,922 |
| Return on assets (ROA) | 1.1371% | 1,983 |
| Pretax return on assets | 1.8032% | 887 |
| Return on Equity (ROE) | 11.1048% | 1,658 |
| Retained earnings to average equity (ytd only) | 5.0521% | 2,854 |
| Net charge-offs to loans | 0.0104% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 234.2821% | 376 |
| Efficiency ratio | 46.0362% | 5,419 |
| Assets per employee ($millions) | 8.5841% | 507 |
| Cash dividends to net income (ytd only)* | 54.5055% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 4,443 |
| Loan loss allowance to noncurrent loans | 513.7685% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 4,375 |
| Noncurrent loans to loans | 0.1803% | 4,343 |
| Net loans and leases to total assets | 79.3965% | 1,070 |
| Net loans and leases to deposits | 91.4759% | 1,628 |
| Net loans and leases to core deposits | 121.6834% | 528 |
| Total domestic deposits to total assets | 86.7950% | 1,959 |
| Equity capital to assets | 10.9728% | 2,888 |
| Core capital (leverage) ratio | 9.4509% | 4,227 |
| Tier 1 risk-based capital ratio | 11.1802% | 5,137 |
| Total risk-based capital ratio | 12.0335% | 5,264 |
| Memoranda: | ||
| Average total assets | $1,333,808,500 | 579 |
| Average earning assets | $1,239,569,500 | 567 |
| Average equity | $136,574,000 | 601 |
| Average total loans | $990,790,500 | 548 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 2,511 |
| Cost of funding earning assets | 0.8352% | 434 |
| Net interest margin | 3.3541% | 3,936 |
| Noninterest income to average assets | 0.1564% | 5,273 |
| Noninterest expense to average assets | 1.5186% | 5,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1033% | 1,955 |
| Return on assets (ROA) | 1.1033% | 2,004 |
| Pretax return on assets | 1.7562% | 931 |
| Return on Equity (ROE) | 11.0192% | 1,639 |
| Retained earnings to average equity (ytd only) | 7.3412% | 1,430 |
| Net charge-offs to loans | 0.0114% | 3,063 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 212.9107% | 392 |
| Efficiency ratio | 45.8643% | 5,464 |
| Assets per employee ($millions) | 9.1276% | 406 |
| Cash dividends to net income (ytd only)* | 33.3778% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 4,514 |
| Loan loss allowance to noncurrent loans | 577.6615% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 4,428 |
| Noncurrent loans to loans | 0.1608% | 4,476 |
| Net loans and leases to total assets | 74.6004% | 1,764 |
| Net loans and leases to deposits | 85.1890% | 2,328 |
| Net loans and leases to core deposits | 119.4910% | 578 |
| Total domestic deposits to total assets | 87.5704% | 1,679 |
| Equity capital to assets | 10.3070% | 3,566 |
| Core capital (leverage) ratio | 9.2601% | 4,415 |
| Tier 1 risk-based capital ratio | 11.1914% | 5,145 |
| Total risk-based capital ratio | 12.0536% | 5,267 |
| Memoranda: | ||
| Average total assets | $1,357,788,330 | 568 |
| Average earning assets | $1,262,381,000 | 558 |
| Average equity | $135,944,670 | 605 |
| Average total loans | $983,972,000 | 551 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 2,632 |
| Cost of funding earning assets | 0.8358% | 399 |
| Net interest margin | 3.2706% | 4,113 |
| Noninterest income to average assets | 0.1748% | 5,231 |
| Noninterest expense to average assets | 1.4506% | 5,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1521% | 1,657 |
| Return on assets (ROA) | 1.1521% | 1,693 |
| Pretax return on assets | 1.7566% | 892 |
| Return on Equity (ROE) | 11.6762% | 1,343 |
| Retained earnings to average equity (ytd only) | 8.7082% | 1,185 |
| Net charge-offs to loans | 0.0066% | 2,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 374.8750% | 156 |
| Efficiency ratio | 44.7082% | 5,574 |
| Assets per employee ($millions) | 9.4997% | 359 |
| Cash dividends to net income (ytd only)* | 25.4194% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 4,564 |
| Loan loss allowance to noncurrent loans | 552.2554% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 4,340 |
| Noncurrent loans to loans | 0.1717% | 4,504 |
| Net loans and leases to total assets | 74.0300% | 1,736 |
| Net loans and leases to deposits | 84.4152% | 2,235 |
| Net loans and leases to core deposits | 120.4537% | 452 |
| Total domestic deposits to total assets | 87.6974% | 1,888 |
| Equity capital to assets | 10.2442% | 3,470 |
| Core capital (leverage) ratio | 9.1204% | 4,583 |
| Tier 1 risk-based capital ratio | 11.3681% | 5,108 |
| Total risk-based capital ratio | 12.2366% | 5,231 |
| Memoranda: | ||
| Average total assets | $1,365,802,000 | 567 |
| Average earning assets | $1,266,322,000 | 561 |
| Average equity | $134,769,500 | 602 |
| Average total loans | $970,785,000 | 562 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 2,354 |
| Cost of funding earning assets | 0.8546% | 379 |
| Net interest margin | 3.3844% | 3,871 |
| Noninterest income to average assets | 0.2445% | 4,961 |
| Noninterest expense to average assets | 1.7532% | 5,519 |
| Loan and lease loss provision to assets | 0.1196% | 2,070 |
| Net operating income to assets | 1.0426% | 2,170 |
| Return on assets (ROA) | 1.0426% | 2,275 |
| Pretax return on assets | 1.5065% | 1,565 |
| Return on Equity (ROE) | 10.0479% | 1,938 |
| Retained earnings to average equity (ytd only) | 5.4506% | 2,046 |
| Net charge-offs to loans | 0.0032% | 4,149 |
| Credit loss provision to net charge-offs | 5,172.4138% | 87 |
| Earnings coverage of net charge-offs (x) | 703.0690% | 113 |
| Efficiency ratio | 51.3464% | 5,420 |
| Assets per employee ($millions) | 10.0118% | 298 |
| Cash dividends to net income (ytd only)* | 45.7543% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 4,353 |
| Loan loss allowance to noncurrent loans | 485.5013% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 4,390 |
| Noncurrent loans to loans | 0.2053% | 4,423 |
| Net loans and leases to total assets | 66.9308% | 2,941 |
| Net loans and leases to deposits | 75.7245% | 3,348 |
| Net loans and leases to core deposits | 115.3882% | 643 |
| Total domestic deposits to total assets | 88.3872% | 1,445 |
| Equity capital to assets | 9.5099% | 4,260 |
| Core capital (leverage) ratio | 8.5576% | 5,206 |
| Tier 1 risk-based capital ratio | 11.4378% | 5,094 |
| Total risk-based capital ratio | 12.3419% | 5,184 |
| Memoranda: | ||
| Average total assets | $1,253,839,200 | 589 |
| Average earning assets | $1,161,354,600 | 578 |
| Average equity | $130,096,200 | 615 |
| Average total loans | $894,366,200 | 565 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 1,861 |
| Cost of funding earning assets | 0.8513% | 379 |
| Net interest margin | 3.5480% | 3,282 |
| Noninterest income to average assets | 0.2860% | 4,724 |
| Noninterest expense to average assets | 1.7043% | 5,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2718% | 1,380 |
| Return on assets (ROA) | 1.2718% | 1,478 |
| Pretax return on assets | 1.8642% | 771 |
| Return on Equity (ROE) | 11.9701% | 1,334 |
| Retained earnings to average equity (ytd only) | 6.1119% | 2,122 |
| Net charge-offs to loans | 0.0044% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 586.6245% | 154 |
| Efficiency ratio | 47.2382% | 5,619 |
| Assets per employee ($millions) | 9.9713% | 301 |
| Cash dividends to net income (ytd only)* | 48.9404% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 5,127 |
| Loan loss allowance to noncurrent loans | 473.5488% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 4,545 |
| Noncurrent loans to loans | 0.1734% | 4,658 |
| Net loans and leases to total assets | 67.9726% | 2,806 |
| Net loans and leases to deposits | 79.2497% | 3,054 |
| Net loans and leases to core deposits | 122.2085% | 452 |
| Total domestic deposits to total assets | 85.7701% | 2,472 |
| Equity capital to assets | 9.4030% | 4,760 |
| Core capital (leverage) ratio | 9.1049% | 4,712 |
| Tier 1 risk-based capital ratio | 11.3084% | 5,197 |
| Total risk-based capital ratio | 12.0524% | 5,383 |
| Memoranda: | ||
| Average total assets | $1,216,887,000 | 606 |
| Average earning assets | $1,125,825,750 | 595 |
| Average equity | $129,296,250 | 617 |
| Average total loans | $881,063,500 | 569 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 1,591 |
| Cost of funding earning assets | 0.8523% | 373 |
| Net interest margin | 3.6228% | 3,004 |
| Noninterest income to average assets | 0.2089% | 5,245 |
| Noninterest expense to average assets | 1.7811% | 5,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1748% | 1,688 |
| Return on assets (ROA) | 1.1748% | 1,786 |
| Pretax return on assets | 1.7654% | 946 |
| Return on Equity (ROE) | 10.5636% | 1,824 |
| Retained earnings to average equity (ytd only) | 4.6709% | 2,934 |
| Net charge-offs to loans | 0.0068% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 351.2069% | 199 |
| Efficiency ratio | 49.6701% | 5,581 |
| Assets per employee ($millions) | 8.7912% | 420 |
| Cash dividends to net income (ytd only)* | 55.7834% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 4,966 |
| Loan loss allowance to noncurrent loans | 1,754.5455% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 4,910 |
| Noncurrent loans to loans | 0.0512% | 5,257 |
| Net loans and leases to total assets | 74.1726% | 1,805 |
| Net loans and leases to deposits | 89.1678% | 1,844 |
| Net loans and leases to core deposits | 114.3457% | 707 |
| Total domestic deposits to total assets | 83.1832% | 3,580 |
| Equity capital to assets | 10.9728% | 3,092 |
| Core capital (leverage) ratio | 11.1253% | 2,303 |
| Tier 1 risk-based capital ratio | 13.2410% | 4,049 |
| Total risk-based capital ratio | 14.0622% | 4,220 |
| Memoranda: | ||
| Average total assets | $1,153,862,670 | 629 |
| Average earning assets | $1,063,048,670 | 620 |
| Average equity | $128,327,670 | 628 |
| Average total loans | $853,558,000 | 581 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 1,089 |
| Cost of funding earning assets | 0.8483% | 392 |
| Net interest margin | 3.8332% | 2,163 |
| Noninterest income to average assets | 0.3444% | 4,266 |
| Noninterest expense to average assets | 1.8207% | 5,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3330% | 1,177 |
| Return on assets (ROA) | 1.3330% | 1,257 |
| Pretax return on assets | 2.0459% | 517 |
| Return on Equity (ROE) | 11.9036% | 1,341 |
| Retained earnings to average equity (ytd only) | 9.2444% | 1,041 |
| Net charge-offs to loans | 0.0157% | 2,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 176.9697% | 341 |
| Efficiency ratio | 46.7337% | 5,782 |
| Assets per employee ($millions) | 8.3882% | 496 |
| Cash dividends to net income (ytd only)* | 22.3390% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 4,843 |
| Loan loss allowance to noncurrent loans | 762.6808% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 4,184 |
| Noncurrent loans to loans | 0.1246% | 4,975 |
| Net loans and leases to total assets | 72.2513% | 1,995 |
| Net loans and leases to deposits | 87.3663% | 1,899 |
| Net loans and leases to core deposits | 111.8627% | 759 |
| Total domestic deposits to total assets | 82.6993% | 4,005 |
| Equity capital to assets | 11.3409% | 2,582 |
| Core capital (leverage) ratio | 11.1350% | 2,276 |
| Tier 1 risk-based capital ratio | 13.1421% | 4,165 |
| Total risk-based capital ratio | 13.9679% | 4,359 |
| Memoranda: | ||
| Average total assets | $1,141,785,000 | 634 |
| Average earning assets | $1,049,161,500 | 631 |
| Average equity | $127,861,000 | 626 |
| Average total loans | $839,497,000 | 590 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 1,460 |
| Cost of funding earning assets | 0.9016% | 287 |
| Net interest margin | 3.6480% | 2,949 |
| Noninterest income to average assets | 0.1908% | 5,449 |
| Noninterest expense to average assets | 1.7988% | 5,736 |
| Loan and lease loss provision to assets | 0.3301% | 483 |
| Net operating income to assets | 1.2171% | 1,490 |
| Return on assets (ROA) | 1.2299% | 1,512 |
| Pretax return on assets | 1.4525% | 1,709 |
| Return on Equity (ROE) | 13.1310% | 1,027 |
| Retained earnings to average equity (ytd only) | 0.3921% | 5,357 |
| Net charge-offs to loans | 0.0057% | 4,254 |
| Credit loss provision to net charge-offs | 7,272.7273% | 46 |
| Earnings coverage of net charge-offs (x) | 389.3939% | 172 |
| Efficiency ratio | 50.4397% | 5,739 |
| Assets per employee ($millions) | 13.9588% | 100 |
| Cash dividends to net income (ytd only)* | 97.0141% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 4,116 |
| Loan loss allowance to noncurrent loans | 39,415.7895% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 4,829 |
| Noncurrent loans to loans | 0.0028% | 5,554 |
| Net loans and leases to total assets | 78.7577% | 1,021 |
| Net loans and leases to deposits | 98.6168% | 772 |
| Net loans and leases to core deposits | 136.7999% | 201 |
| Total domestic deposits to total assets | 79.8624% | 4,776 |
| Equity capital to assets | 11.2905% | 2,550 |
| Core capital (leverage) ratio | 11.5854% | 1,899 |
| Tier 1 risk-based capital ratio | 12.4474% | 4,669 |
| Total risk-based capital ratio | 13.4008% | 4,761 |
| Memoranda: | ||
| Average total assets | $727,042,000 | 950 |
| Average earning assets | $672,722,400 | 948 |
| Average equity | $68,098,200 | 1,119 |
| Average total loans | $582,915,600 | 803 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,159 |
| Cost of funding earning assets | 0.8820% | 315 |
| Net interest margin | 3.7856% | 2,440 |
| Noninterest income to average assets | 0.2210% | 5,330 |
| Noninterest expense to average assets | 1.7035% | 5,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3731% | 1,169 |
| Return on assets (ROA) | 1.3875% | 1,189 |
| Pretax return on assets | 2.0455% | 552 |
| Return on Equity (ROE) | 15.8297% | 613 |
| Retained earnings to average equity (ytd only) | -0.1516% | 5,626 |
| Net charge-offs to loans | 0.0031% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 808.8275% | 92 |
| Efficiency ratio | 45.6973% | 5,975 |
| Assets per employee ($millions) | 13.3267% | 110 |
| Cash dividends to net income (ytd only)* | 100.9576% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 5,471 |
| Loan loss allowance to noncurrent loans | 4,153.6585% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 4,828 |
| Noncurrent loans to loans | 0.0197% | 5,559 |
| Net loans and leases to total assets | 74.7897% | 1,589 |
| Net loans and leases to deposits | 94.0441% | 1,199 |
| Net loans and leases to core deposits | 134.7458% | 219 |
| Total domestic deposits to total assets | 79.5262% | 4,852 |
| Equity capital to assets | 9.9400% | 4,239 |
| Core capital (leverage) ratio | 11.0520% | 2,430 |
| Tier 1 risk-based capital ratio | 12.0192% | 5,078 |
| Total risk-based capital ratio | 12.7667% | 5,288 |
| Memoranda: | ||
| Average total assets | $692,441,500 | 1,008 |
| Average earning assets | $641,425,750 | 995 |
| Average equity | $60,694,500 | 1,257 |
| Average total loans | $556,371,250 | 849 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 1,142 |
| Cost of funding earning assets | 0.8831% | 314 |
| Net interest margin | 3.7794% | 2,406 |
| Noninterest income to average assets | 0.2464% | 5,189 |
| Noninterest expense to average assets | 1.6785% | 5,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3846% | 1,123 |
| Return on assets (ROA) | 1.4077% | 1,115 |
| Pretax return on assets | 2.0819% | 507 |
| Return on Equity (ROE) | 17.0287% | 484 |
| Retained earnings to average equity (ytd only) | -6.7779% | 6,079 |
| Net charge-offs to loans | -0.0004% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0418% | 6,081 |
| Assets per employee ($millions) | 11.8741% | 155 |
| Cash dividends to net income (ytd only)* | 139.8026% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 5,231 |
| Loan loss allowance to noncurrent loans | 6,830.6667% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 4,814 |
| Noncurrent loans to loans | 0.0134% | 5,711 |
| Net loans and leases to total assets | 80.3635% | 760 |
| Net loans and leases to deposits | 102.2083% | 540 |
| Net loans and leases to core deposits | 127.9010% | 312 |
| Total domestic deposits to total assets | 78.6272% | 5,170 |
| Equity capital to assets | 8.9223% | 5,315 |
| Core capital (leverage) ratio | 9.5821% | 4,160 |
| Tier 1 risk-based capital ratio | 10.0144% | 6,084 |
| Total risk-based capital ratio | 10.8490% | 6,156 |
| Memoranda: | ||
| Average total assets | $647,855,330 | 1,069 |
| Average earning assets | $596,549,670 | 1,066 |
| Average equity | $53,556,670 | 1,408 |
| Average total loans | $534,140,330 | 885 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9094% | 685 |
| Cost of funding earning assets | 0.8436% | 391 |
| Net interest margin | 4.0658% | 1,369 |
| Noninterest income to average assets | 0.2129% | 5,428 |
| Noninterest expense to average assets | 1.4714% | 6,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6526% | 656 |
| Return on assets (ROA) | 1.6996% | 615 |
| Pretax return on assets | 2.5354% | 229 |
| Return on Equity (ROE) | 21.4952% | 207 |
| Retained earnings to average equity (ytd only) | -26.8811% | 6,326 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3765% | 6,315 |
| Assets per employee ($millions) | 11.9749% | 154 |
| Cash dividends to net income (ytd only)* | 225.0563% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 5,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 4,869 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 78.8811% | 813 |
| Net loans and leases to deposits | 100.3674% | 543 |
| Net loans and leases to core deposits | 128.2240% | 264 |
| Total domestic deposits to total assets | 78.5924% | 5,343 |
| Equity capital to assets | 7.4140% | 6,197 |
| Core capital (leverage) ratio | 7.7692% | 6,040 |
| Tier 1 risk-based capital ratio | 8.6409% | 6,333 |
| Total risk-based capital ratio | 9.5637% | 6,345 |
| Memoranda: | ||
| Average total assets | $627,434,000 | 1,103 |
| Average earning assets | $574,647,500 | 1,104 |
| Average equity | $49,611,000 | 1,515 |
| Average total loans | $521,918,000 | 902 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 839 |
| Cost of funding earning assets | 0.8203% | 585 |
| Net interest margin | 4.1395% | 1,465 |
| Noninterest income to average assets | 0.2670% | 5,217 |
| Noninterest expense to average assets | 2.2039% | 5,348 |
| Loan and lease loss provision to assets | 0.1771% | 1,456 |
| Net operating income to assets | 1.2032% | 1,577 |
| Return on assets (ROA) | 1.2092% | 1,612 |
| Pretax return on assets | 1.6635% | 1,065 |
| Return on Equity (ROE) | 13.3363% | 1,073 |
| Retained earnings to average equity (ytd only) | 8.3672% | 884 |
| Net charge-offs to loans | -0.0007% | 5,328 |
| Credit loss provision to net charge-offs | -31,700.0000% | 6,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6033% | 5,795 |
| Assets per employee ($millions) | 11.2634% | 174 |
| Cash dividends to net income (ytd only)* | 37.2594% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 5,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 4,888 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 86.0723% | 202 |
| Net loans and leases to deposits | 111.1332% | 213 |
| Net loans and leases to core deposits | 145.7247% | 124 |
| Total domestic deposits to total assets | 77.4496% | 5,530 |
| Equity capital to assets | 8.4311% | 5,805 |
| Core capital (leverage) ratio | 9.6847% | 3,991 |
| Tier 1 risk-based capital ratio | 9.1834% | 6,394 |
| Total risk-based capital ratio | 10.1004% | 6,413 |
| Memoranda: | ||
| Average total assets | $537,133,000 | 1,246 |
| Average earning assets | $489,097,200 | 1,258 |
| Average equity | $48,701,800 | 1,475 |
| Average total loans | $425,234,800 | 1,033 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 730 |
| Cost of funding earning assets | 0.8215% | 619 |
| Net interest margin | 4.2077% | 1,264 |
| Noninterest income to average assets | 0.2619% | 5,337 |
| Noninterest expense to average assets | 2.1950% | 5,363 |
| Loan and lease loss provision to assets | 0.0958% | 2,453 |
| Net operating income to assets | 1.2710% | 1,460 |
| Return on assets (ROA) | 1.2790% | 1,493 |
| Pretax return on assets | 1.8076% | 881 |
| Return on Equity (ROE) | 13.8221% | 1,022 |
| Retained earnings to average equity (ytd only) | 7.1080% | 1,763 |
| Net charge-offs to loans | -0.0007% | 5,148 |
| Credit loss provision to net charge-offs | -18,650.0000% | 6,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7060% | 5,850 |
| Assets per employee ($millions) | 10.3837% | 216 |
| Cash dividends to net income (ytd only)* | 48.5749% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 5,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 4,942 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 84.3115% | 321 |
| Net loans and leases to deposits | 102.3416% | 484 |
| Net loans and leases to core deposits | 130.2614% | 232 |
| Total domestic deposits to total assets | 82.3824% | 4,349 |
| Equity capital to assets | 9.1971% | 5,150 |
| Core capital (leverage) ratio | 9.5672% | 4,284 |
| Tier 1 risk-based capital ratio | 10.1855% | 6,299 |
| Total risk-based capital ratio | 11.1152% | 6,347 |
| Memoranda: | ||
| Average total assets | $519,360,000 | 1,305 |
| Average earning assets | $472,137,000 | 1,303 |
| Average equity | $48,057,250 | 1,501 |
| Average total loans | $399,384,750 | 1,101 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 887 |
| Cost of funding earning assets | 0.8278% | 617 |
| Net interest margin | 4.0882% | 1,547 |
| Noninterest income to average assets | 0.1858% | 5,841 |
| Noninterest expense to average assets | 2.2502% | 5,284 |
| Loan and lease loss provision to assets | 0.0667% | 2,932 |
| Net operating income to assets | 1.1627% | 1,714 |
| Return on assets (ROA) | 1.1754% | 1,740 |
| Pretax return on assets | 1.5961% | 1,258 |
| Return on Equity (ROE) | 12.6760% | 1,268 |
| Retained earnings to average equity (ytd only) | 5.3322% | 2,740 |
| Net charge-offs to loans | -0.0011% | 5,027 |
| Credit loss provision to net charge-offs | -8,550.0000% | 5,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7582% | 5,585 |
| Assets per employee ($millions) | 9.4494% | 282 |
| Cash dividends to net income (ytd only)* | 57.9349% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 4,974 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 79.4883% | 742 |
| Net loans and leases to deposits | 97.2445% | 720 |
| Net loans and leases to core deposits | 115.7509% | 485 |
| Total domestic deposits to total assets | 81.7406% | 4,736 |
| Equity capital to assets | 9.4715% | 4,775 |
| Core capital (leverage) ratio | 9.4752% | 4,364 |
| Tier 1 risk-based capital ratio | 11.0346% | 6,039 |
| Total risk-based capital ratio | 12.0226% | 6,090 |
| Memoranda: | ||
| Average total assets | $512,496,670 | 1,317 |
| Average earning assets | $465,090,670 | 1,322 |
| Average equity | $47,523,000 | 1,511 |
| Average total loans | $379,251,670 | 1,162 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 1,169 |
| Cost of funding earning assets | 0.8236% | 658 |
| Net interest margin | 3.9151% | 2,039 |
| Noninterest income to average assets | 0.1791% | 5,895 |
| Noninterest expense to average assets | 2.1246% | 5,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2320% | 1,394 |
| Return on assets (ROA) | 1.2578% | 1,378 |
| Pretax return on assets | 1.6238% | 1,128 |
| Return on Equity (ROE) | 13.7098% | 1,000 |
| Retained earnings to average equity (ytd only) | 6.5366% | 2,260 |
| Net charge-offs to loans | -0.0011% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1908% | 5,732 |
| Assets per employee ($millions) | 9.3436% | 306 |
| Cash dividends to net income (ytd only)* | 52.3220% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 4,718 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 72.4028% | 1,516 |
| Net loans and leases to deposits | 88.2385% | 1,330 |
| Net loans and leases to core deposits | 104.6842% | 819 |
| Total domestic deposits to total assets | 82.0536% | 4,928 |
| Equity capital to assets | 9.2213% | 4,848 |
| Core capital (leverage) ratio | 9.4115% | 4,404 |
| Tier 1 risk-based capital ratio | 11.4679% | 5,931 |
| Total risk-based capital ratio | 12.4642% | 6,012 |
| Memoranda: | ||
| Average total assets | $513,610,500 | 1,318 |
| Average earning assets | $463,842,500 | 1,330 |
| Average equity | $47,119,500 | 1,514 |
| Average total loans | $363,904,500 | 1,218 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 1,592 |
| Cost of funding earning assets | 0.8896% | 785 |
| Net interest margin | 3.8034% | 2,645 |
| Noninterest income to average assets | 0.1975% | 5,903 |
| Noninterest expense to average assets | 2.1954% | 5,639 |
| Loan and lease loss provision to assets | 0.0925% | 3,259 |
| Net operating income to assets | 0.9955% | 2,342 |
| Return on assets (ROA) | 1.0064% | 2,360 |
| Pretax return on assets | 1.3512% | 1,964 |
| Return on Equity (ROE) | 11.1028% | 1,729 |
| Retained earnings to average equity (ytd only) | 10.3891% | 503 |
| Net charge-offs to loans | 0.0100% | 5,248 |
| Credit loss provision to net charge-offs | 1,383.8710% | 180 |
| Earnings coverage of net charge-offs (x) | 213.7742% | 208 |
| Efficiency ratio | 60.5723% | 5,403 |
| Assets per employee ($millions) | 10.6943% | 188 |
| Cash dividends to net income (ytd only)* | 6.4281% | 4,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 4,732 |
| Loan loss allowance to noncurrent loans | 292.2861% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4897% | 4,767 |
| Noncurrent loans to loans | 0.4056% | 4,993 |
| Net loans and leases to total assets | 67.6758% | 2,411 |
| Net loans and leases to deposits | 82.9640% | 2,065 |
| Net loans and leases to core deposits | 98.6469% | 1,263 |
| Total domestic deposits to total assets | 81.5725% | 5,013 |
| Equity capital to assets | 9.1270% | 4,892 |
| Core capital (leverage) ratio | 9.3137% | 4,530 |
| Tier 1 risk-based capital ratio | 11.8602% | 5,700 |
| Total risk-based capital ratio | 12.9072% | 5,759 |
| Memoranda: | ||
| Average total assets | $463,745,200 | 1,426 |
| Average earning assets | $417,831,200 | 1,459 |
| Average equity | $42,034,600 | 1,670 |
| Average total loans | $311,100,400 | 1,362 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 1,076 |
| Cost of funding earning assets | 0.9007% | 811 |
| Net interest margin | 4.0245% | 1,862 |
| Noninterest income to average assets | 0.2118% | 5,909 |
| Noninterest expense to average assets | 2.0657% | 5,894 |
| Loan and lease loss provision to assets | 0.1267% | 2,710 |
| Net operating income to assets | 1.1609% | 1,773 |
| Return on assets (ROA) | 1.1609% | 1,838 |
| Pretax return on assets | 1.6359% | 1,251 |
| Return on Equity (ROE) | 12.8332% | 1,278 |
| Retained earnings to average equity (ytd only) | 11.8536% | 439 |
| Net charge-offs to loans | 0.0004% | 5,207 |
| Credit loss provision to net charge-offs | 42,900.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 5,981.8045% | 4 |
| Efficiency ratio | 53.9583% | 6,104 |
| Assets per employee ($millions) | 11.0850% | 169 |
| Cash dividends to net income (ytd only)* | 7.6336% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 4,471 |
| Loan loss allowance to noncurrent loans | 2,244.9198% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 5,785 |
| Noncurrent loans to loans | 0.0572% | 6,174 |
| Net loans and leases to total assets | 63.2417% | 3,119 |
| Net loans and leases to deposits | 77.8563% | 2,691 |
| Net loans and leases to core deposits | 92.5711% | 1,713 |
| Total domestic deposits to total assets | 81.2287% | 5,160 |
| Equity capital to assets | 9.0474% | 5,129 |
| Core capital (leverage) ratio | 9.6500% | 4,170 |
| Tier 1 risk-based capital ratio | 12.2736% | 5,588 |
| Total risk-based capital ratio | 13.3822% | 5,629 |
| Memoranda: | ||
| Average total assets | $451,350,500 | 1,479 |
| Average earning assets | $405,601,750 | 1,502 |
| Average equity | $40,830,500 | 1,726 |
| Average total loans | $300,984,500 | 1,406 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0869% | 793 |
| Cost of funding earning assets | 0.9240% | 802 |
| Net interest margin | 4.1628% | 1,370 |
| Noninterest income to average assets | 0.2381% | 5,744 |
| Noninterest expense to average assets | 2.0286% | 5,991 |
| Loan and lease loss provision to assets | 0.0959% | 3,188 |
| Net operating income to assets | 1.2616% | 1,429 |
| Return on assets (ROA) | 1.2616% | 1,525 |
| Pretax return on assets | 1.8567% | 810 |
| Return on Equity (ROE) | 13.9468% | 1,017 |
| Retained earnings to average equity (ytd only) | 13.4348% | 339 |
| Net charge-offs to loans | 0.0021% | 4,883 |
| Credit loss provision to net charge-offs | 6,900.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,405.3333% | 21 |
| Efficiency ratio | 50.9539% | 6,360 |
| Assets per employee ($millions) | 9.3094% | 268 |
| Cash dividends to net income (ytd only)* | 3.6711% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 5,872 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 70.0292% | 1,872 |
| Net loans and leases to deposits | 87.1687% | 1,443 |
| Net loans and leases to core deposits | 103.4008% | 866 |
| Total domestic deposits to total assets | 80.3377% | 5,528 |
| Equity capital to assets | 8.9684% | 5,251 |
| Core capital (leverage) ratio | 9.2113% | 4,683 |
| Tier 1 risk-based capital ratio | 11.3535% | 6,174 |
| Total risk-based capital ratio | 12.4683% | 6,203 |
| Memoranda: | ||
| Average total assets | $431,830,000 | 1,544 |
| Average earning assets | $388,293,330 | 1,566 |
| Average equity | $39,062,670 | 1,795 |
| Average total loans | $292,421,000 | 1,442 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 1,557 |
| Cost of funding earning assets | 0.9928% | 637 |
| Net interest margin | 3.6993% | 2,854 |
| Noninterest income to average assets | 0.2102% | 5,979 |
| Noninterest expense to average assets | 1.8722% | 6,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1897% | 1,555 |
| Return on assets (ROA) | 1.1897% | 1,667 |
| Pretax return on assets | 1.6610% | 1,166 |
| Return on Equity (ROE) | 13.0925% | 1,147 |
| Retained earnings to average equity (ytd only) | 13.0925% | 548 |
| Net charge-offs to loans | 0.0071% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 352.4000% | 105 |
| Efficiency ratio | 52.9883% | 6,309 |
| Assets per employee ($millions) | 9.3810% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 4,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 5,911 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 66.5750% | 2,272 |
| Net loans and leases to deposits | 83.2018% | 1,682 |
| Net loans and leases to core deposits | 101.1339% | 880 |
| Total domestic deposits to total assets | 80.0163% | 5,751 |
| Equity capital to assets | 9.0792% | 5,388 |
| Core capital (leverage) ratio | 9.0565% | 4,794 |
| Tier 1 risk-based capital ratio | 11.6289% | 6,116 |
| Total risk-based capital ratio | 12.7483% | 6,160 |
| Memoranda: | ||
| Average total assets | $424,320,500 | 1,585 |
| Average earning assets | $381,157,000 | 1,605 |
| Average equity | $38,556,500 | 1,846 |
| Average total loans | $280,182,000 | 1,523 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1620% | 1,187 |
| Cost of funding earning assets | 1.1893% | 612 |
| Net interest margin | 3.9727% | 2,509 |
| Noninterest income to average assets | 0.2578% | 5,620 |
| Noninterest expense to average assets | 2.1049% | 6,117 |
| Loan and lease loss provision to assets | 0.1911% | 3,248 |
| Net operating income to assets | 1.1201% | 1,872 |
| Return on assets (ROA) | 1.1805% | 1,825 |
| Pretax return on assets | 1.6054% | 1,370 |
| Return on Equity (ROE) | 12.8727% | 1,262 |
| Retained earnings to average equity (ytd only) | 12.8727% | 261 |
| Net charge-offs to loans | 0.0334% | 5,447 |
| Credit loss provision to net charge-offs | 872.0930% | 287 |
| Earnings coverage of net charge-offs (x) | 78.2791% | 489 |
| Efficiency ratio | 55.1050% | 6,156 |
| Assets per employee ($millions) | 10.1735% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 4,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 5,997 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 63.6613% | 2,956 |
| Net loans and leases to deposits | 79.2851% | 2,372 |
| Net loans and leases to core deposits | 95.8026% | 1,321 |
| Total domestic deposits to total assets | 80.2941% | 5,589 |
| Equity capital to assets | 9.0944% | 5,408 |
| Core capital (leverage) ratio | 9.3231% | 4,372 |
| Tier 1 risk-based capital ratio | 12.0979% | 5,721 |
| Total risk-based capital ratio | 13.3030% | 5,710 |
| Memoranda: | ||
| Average total assets | $392,557,000 | 1,669 |
| Average earning assets | $351,977,200 | 1,697 |
| Average equity | $35,998,800 | 1,921 |
| Average total loans | $257,636,200 | 1,607 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1510% | 1,295 |
| Cost of funding earning assets | 1.2301% | 599 |
| Net interest margin | 3.9210% | 2,836 |
| Noninterest income to average assets | 0.2729% | 5,602 |
| Noninterest expense to average assets | 1.6876% | 6,797 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4672% | 1,081 |
| Return on assets (ROA) | 1.4989% | 1,137 |
| Pretax return on assets | 2.1424% | 533 |
| Return on Equity (ROE) | 16.3082% | 693 |
| Retained earnings to average equity (ytd only) | 16.3082% | 182 |
| Net charge-offs to loans | 0.0398% | 5,092 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 79.9743% | 516 |
| Efficiency ratio | 44.5893% | 6,877 |
| Assets per employee ($millions) | 11.8001% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 5,535 |
| Loan loss allowance to noncurrent loans | 8,416.6667% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 6,073 |
| Noncurrent loans to loans | 0.0136% | 6,617 |
| Net loans and leases to total assets | 63.2869% | 3,158 |
| Net loans and leases to deposits | 74.8840% | 3,161 |
| Net loans and leases to core deposits | 90.4322% | 1,930 |
| Total domestic deposits to total assets | 84.5133% | 3,973 |
| Equity capital to assets | 9.2193% | 5,573 |
| Core capital (leverage) ratio | 9.3393% | 4,518 |
| Tier 1 risk-based capital ratio | 11.9003% | 5,996 |
| Total risk-based capital ratio | 12.8604% | 6,136 |
| Memoranda: | ||
| Average total assets | $386,417,750 | 1,713 |
| Average earning assets | $346,095,500 | 1,745 |
| Average equity | $35,515,000 | 1,958 |
| Average total loans | $254,717,750 | 1,639 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 1,720 |
| Cost of funding earning assets | 1.2774% | 580 |
| Net interest margin | 3.7476% | 3,603 |
| Noninterest income to average assets | 0.2336% | 5,899 |
| Noninterest expense to average assets | 1.6008% | 6,922 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3082% | 1,418 |
| Return on assets (ROA) | 1.3540% | 1,455 |
| Pretax return on assets | 2.0638% | 617 |
| Return on Equity (ROE) | 14.7484% | 977 |
| Retained earnings to average equity (ytd only) | 14.7484% | 295 |
| Net charge-offs to loans | -0.0143% | 6,359 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5263% | 6,933 |
| Assets per employee ($millions) | 11.9759% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 5,440 |
| Loan loss allowance to noncurrent loans | 1,881.9277% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 6,080 |
| Noncurrent loans to loans | 0.0628% | 6,510 |
| Net loans and leases to total assets | 64.1957% | 2,993 |
| Net loans and leases to deposits | 75.2679% | 3,090 |
| Net loans and leases to core deposits | 90.9468% | 1,879 |
| Total domestic deposits to total assets | 85.2896% | 3,715 |
| Equity capital to assets | 8.8320% | 5,872 |
| Core capital (leverage) ratio | 9.0690% | 4,807 |
| Tier 1 risk-based capital ratio | 11.3673% | 6,299 |
| Total risk-based capital ratio | 12.3601% | 6,419 |
| Memoranda: | ||
| Average total assets | $377,555,330 | 1,746 |
| Average earning assets | $338,665,670 | 1,773 |
| Average equity | $34,661,330 | 1,997 |
| Average total loans | $251,487,670 | 1,653 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1254% | 1,508 |
| Cost of funding earning assets | 1.3147% | 594 |
| Net interest margin | 3.8107% | 3,345 |
| Noninterest income to average assets | 0.2823% | 5,608 |
| Noninterest expense to average assets | 1.5350% | 7,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4948% | 1,032 |
| Return on assets (ROA) | 1.5945% | 975 |
| Pretax return on assets | 2.2958% | 456 |
| Return on Equity (ROE) | 17.0063% | 671 |
| Retained earnings to average equity (ytd only) | 17.0063% | 306 |
| Net charge-offs to loans | -0.0147% | 6,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6392% | 7,066 |
| Assets per employee ($millions) | 12.1931% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 5,357 |
| Loan loss allowance to noncurrent loans | 1,876.5060% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 6,079 |
| Noncurrent loans to loans | 0.0656% | 6,587 |
| Net loans and leases to total assets | 66.1630% | 2,443 |
| Net loans and leases to deposits | 78.2314% | 2,465 |
| Net loans and leases to core deposits | 94.7798% | 1,391 |
| Total domestic deposits to total assets | 84.5735% | 4,240 |
| Equity capital to assets | 9.1826% | 5,258 |
| Core capital (leverage) ratio | 9.8949% | 3,503 |
| Tier 1 risk-based capital ratio | 11.5531% | 6,252 |
| Total risk-based capital ratio | 12.5914% | 6,347 |
| Memoranda: | ||
| Average total assets | $362,743,000 | 1,825 |
| Average earning assets | $324,034,000 | 1,860 |
| Average equity | $34,011,000 | 2,035 |
| Average total loans | $244,973,500 | 1,689 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 2,089 |
| Cost of funding earning assets | 1.5650% | 548 |
| Net interest margin | 3.6275% | 4,622 |
| Noninterest income to average assets | 0.3047% | 5,358 |
| Noninterest expense to average assets | 1.8551% | 6,887 |
| Loan and lease loss provision to assets | 0.2981% | 3,282 |
| Net operating income to assets | 1.4972% | 828 |
| Return on assets (ROA) | 1.5542% | 795 |
| Pretax return on assets | 1.4836% | 1,522 |
| Return on Equity (ROE) | 17.7422% | 402 |
| Retained earnings to average equity (ytd only) | 14.0928% | 172 |
| Net charge-offs to loans | 0.1813% | 4,701 |
| Credit loss provision to net charge-offs | 253.9295% | 950 |
| Earnings coverage of net charge-offs (x) | 14.6938% | 1,438 |
| Efficiency ratio | 51.8216% | 6,713 |
| Assets per employee ($millions) | 10.8594% | 187 |
| Cash dividends to net income (ytd only)* | 20.5690% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,851 |
| Loan loss allowance to noncurrent loans | 1,871.0843% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 6,058 |
| Noncurrent loans to loans | 0.0701% | 6,642 |
| Net loans and leases to total assets | 67.2342% | 2,529 |
| Net loans and leases to deposits | 80.3112% | 2,468 |
| Net loans and leases to core deposits | 93.3850% | 1,759 |
| Total domestic deposits to total assets | 83.7171% | 4,443 |
| Equity capital to assets | 9.5865% | 4,764 |
| Core capital (leverage) ratio | 9.6933% | 3,753 |
| Tier 1 risk-based capital ratio | 11.8617% | 5,928 |
| Total risk-based capital ratio | 12.9710% | 5,997 |
| Memoranda: | ||
| Average total assets | $314,376,400 | 2,045 |
| Average earning assets | $283,834,800 | 2,070 |
| Average equity | $27,538,800 | 2,353 |
| Average total loans | $203,532,200 | 2,010 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 2,299 |
| Cost of funding earning assets | 1.6161% | 545 |
| Net interest margin | 3.5581% | 4,948 |
| Noninterest income to average assets | 0.3297% | 5,227 |
| Noninterest expense to average assets | 1.6487% | 7,142 |
| Loan and lease loss provision to assets | 0.0815% | 5,424 |
| Net operating income to assets | 1.6951% | 637 |
| Return on assets (ROA) | 1.7676% | 602 |
| Pretax return on assets | 1.8978% | 781 |
| Return on Equity (ROE) | 20.7338% | 266 |
| Retained earnings to average equity (ytd only) | 16.4930% | 161 |
| Net charge-offs to loans | 0.1345% | 4,707 |
| Credit loss provision to net charge-offs | 94.9239% | 3,608 |
| Earnings coverage of net charge-offs (x) | 22.1574% | 1,163 |
| Efficiency ratio | 46.4417% | 7,033 |
| Assets per employee ($millions) | 12.4936% | 140 |
| Cash dividends to net income (ytd only)* | 20.4534% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,784 |
| Loan loss allowance to noncurrent loans | 728.5303% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 6,129 |
| Noncurrent loans to loans | 0.1545% | 6,564 |
| Net loans and leases to total assets | 63.4607% | 3,421 |
| Net loans and leases to deposits | 74.5238% | 3,586 |
| Net loans and leases to core deposits | 90.8142% | 2,145 |
| Total domestic deposits to total assets | 85.1550% | 3,697 |
| Equity capital to assets | 8.0292% | 6,680 |
| Core capital (leverage) ratio | 8.3064% | 5,968 |
| Tier 1 risk-based capital ratio | 10.4070% | 6,818 |
| Total risk-based capital ratio | 11.3469% | 6,918 |
| Memoranda: | ||
| Average total assets | $306,095,500 | 2,098 |
| Average earning assets | $277,030,750 | 2,126 |
| Average equity | $26,095,250 | 2,468 |
| Average total loans | $195,229,000 | 2,105 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1434% | 2,494 |
| Cost of funding earning assets | 1.6446% | 578 |
| Net interest margin | 3.4988% | 5,172 |
| Noninterest income to average assets | 0.3382% | 5,178 |
| Noninterest expense to average assets | 1.7529% | 7,131 |
| Loan and lease loss provision to assets | 0.1269% | 4,704 |
| Net operating income to assets | 1.5457% | 812 |
| Return on assets (ROA) | 1.5457% | 864 |
| Pretax return on assets | 1.6212% | 1,215 |
| Return on Equity (ROE) | 17.7185% | 487 |
| Retained earnings to average equity (ytd only) | 11.1911% | 633 |
| Net charge-offs to loans | 0.1812% | 4,077 |
| Credit loss provision to net charge-offs | 110.1190% | 2,787 |
| Earnings coverage of net charge-offs (x) | 15.1667% | 1,421 |
| Efficiency ratio | 50.0686% | 6,934 |
| Assets per employee ($millions) | 10.2993% | 224 |
| Cash dividends to net income (ytd only)* | 36.8398% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 5,017 |
| Loan loss allowance to noncurrent loans | 2,011.8110% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 6,104 |
| Noncurrent loans to loans | 0.0651% | 6,820 |
| Net loans and leases to total assets | 60.3194% | 4,212 |
| Net loans and leases to deposits | 73.0588% | 3,945 |
| Net loans and leases to core deposits | 89.9254% | 2,379 |
| Total domestic deposits to total assets | 82.5628% | 4,960 |
| Equity capital to assets | 8.2580% | 6,462 |
| Core capital (leverage) ratio | 8.6045% | 5,397 |
| Tier 1 risk-based capital ratio | 11.0935% | 6,450 |
| Total risk-based capital ratio | 12.1758% | 6,555 |
| Memoranda: | ||
| Average total assets | $291,520,330 | 2,204 |
| Average earning assets | $263,522,330 | 2,226 |
| Average equity | $25,431,000 | 2,517 |
| Average total loans | $185,463,000 | 2,217 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 2,378 |
| Cost of funding earning assets | 1.5746% | 901 |
| Net interest margin | 3.5864% | 4,633 |
| Noninterest income to average assets | 0.3602% | 5,026 |
| Noninterest expense to average assets | 1.6813% | 7,246 |
| Loan and lease loss provision to assets | 0.1354% | 4,315 |
| Net operating income to assets | 1.6741% | 599 |
| Return on assets (ROA) | 1.6741% | 634 |
| Pretax return on assets | 1.7822% | 846 |
| Return on Equity (ROE) | 18.6192% | 428 |
| Retained earnings to average equity (ytd only) | 5.3198% | 2,992 |
| Net charge-offs to loans | 0.2192% | 3,209 |
| Credit loss provision to net charge-offs | 94.9495% | 2,849 |
| Earnings coverage of net charge-offs (x) | 13.4444% | 1,436 |
| Efficiency ratio | 46.7174% | 7,170 |
| Assets per employee ($millions) | 9.9347% | 247 |
| Cash dividends to net income (ytd only)* | 71.4286% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 4,824 |
| Loan loss allowance to noncurrent loans | 548.4848% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 5,695 |
| Noncurrent loans to loans | 0.2490% | 6,488 |
| Net loans and leases to total assets | 61.4053% | 3,983 |
| Net loans and leases to deposits | 75.1029% | 3,568 |
| Net loans and leases to core deposits | 94.7321% | 1,800 |
| Total domestic deposits to total assets | 81.7616% | 5,404 |
| Equity capital to assets | 8.4274% | 6,021 |
| Core capital (leverage) ratio | 9.4174% | 3,932 |
| Tier 1 risk-based capital ratio | 11.1500% | 6,395 |
| Total risk-based capital ratio | 12.2758% | 6,476 |
| Memoranda: | ||
| Average total assets | $277,642,000 | 2,323 |
| Average earning assets | $250,723,000 | 2,338 |
| Average equity | $24,963,500 | 2,550 |
| Average total loans | $180,624,000 | 2,301 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7383% | 1,442 |
| Cost of funding earning assets | 1.6606% | 1,779 |
| Net interest margin | 4.0777% | 2,672 |
| Noninterest income to average assets | 0.3207% | 5,493 |
| Noninterest expense to average assets | 2.3725% | 6,160 |
| Loan and lease loss provision to assets | 0.6634% | 2,492 |
| Net operating income to assets | 0.7997% | 2,803 |
| Return on assets (ROA) | 0.9647% | 2,271 |
| Pretax return on assets | 1.1639% | 2,350 |
| Return on Equity (ROE) | 9.3271% | 2,168 |
| Retained earnings to average equity (ytd only) | 7.4006% | 1,177 |
| Net charge-offs to loans | 0.1606% | 5,379 |
| Credit loss provision to net charge-offs | 596.0699% | 366 |
| Earnings coverage of net charge-offs (x) | 14.6332% | 1,328 |
| Efficiency ratio | 59.2979% | 6,150 |
| Assets per employee ($millions) | 8.8704% | 354 |
| Cash dividends to net income (ytd only)* | 20.6549% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 4,310 |
| Loan loss allowance to noncurrent loans | 461.4545% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 5,736 |
| Noncurrent loans to loans | 0.3130% | 6,429 |
| Net loans and leases to total assets | 67.3150% | 3,145 |
| Net loans and leases to deposits | 84.9905% | 2,280 |
| Net loans and leases to core deposits | 111.0005% | 870 |
| Total domestic deposits to total assets | 79.2029% | 6,030 |
| Equity capital to assets | 9.6446% | 4,216 |
| Core capital (leverage) ratio | 10.8384% | 2,276 |
| Tier 1 risk-based capital ratio | 11.9456% | 5,524 |
| Total risk-based capital ratio | 13.1681% | 5,526 |
| Memoranda: | ||
| Average total assets | $205,773,400 | 3,035 |
| Average earning assets | $185,716,200 | 3,051 |
| Average equity | $21,282,000 | 2,971 |
| Average total loans | $142,574,200 | 2,893 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6938% | 1,738 |
| Cost of funding earning assets | 1.7116% | 1,812 |
| Net interest margin | 3.9822% | 3,179 |
| Noninterest income to average assets | 0.4928% | 4,243 |
| Noninterest expense to average assets | 2.2435% | 6,483 |
| Loan and lease loss provision to assets | 0.2682% | 4,438 |
| Net operating income to assets | 1.1339% | 1,784 |
| Return on assets (ROA) | 1.3374% | 1,338 |
| Pretax return on assets | 1.8627% | 824 |
| Return on Equity (ROE) | 12.6468% | 1,348 |
| Retained earnings to average equity (ytd only) | 9.9671% | 803 |
| Net charge-offs to loans | 0.1946% | 4,783 |
| Credit loss provision to net charge-offs | 197.9592% | 1,806 |
| Earnings coverage of net charge-offs (x) | 13.6427% | 1,572 |
| Efficiency ratio | 54.8311% | 6,708 |
| Assets per employee ($millions) | 7.7733% | 553 |
| Cash dividends to net income (ytd only)* | 21.1885% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 6,134 |
| Loan loss allowance to noncurrent loans | 2,043.5897% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.7599% | 5,586 |
| Noncurrent loans to loans | 0.0517% | 7,115 |
| Net loans and leases to total assets | 68.6415% | 3,067 |
| Net loans and leases to deposits | 90.3100% | 1,681 |
| Net loans and leases to core deposits | 125.2811% | 468 |
| Total domestic deposits to total assets | 76.0065% | 6,656 |
| Equity capital to assets | 11.3705% | 2,631 |
| Core capital (leverage) ratio | 12.2946% | 1,513 |
| Tier 1 risk-based capital ratio | 14.7645% | 3,361 |
| Total risk-based capital ratio | 15.7155% | 3,498 |
| Memoranda: | ||
| Average total assets | $192,906,000 | 3,244 |
| Average earning assets | $174,337,750 | 3,244 |
| Average equity | $20,400,000 | 3,137 |
| Average total loans | $134,292,500 | 3,093 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5528% | 2,322 |
| Cost of funding earning assets | 1.7582% | 1,825 |
| Net interest margin | 3.7946% | 3,919 |
| Noninterest income to average assets | 0.5069% | 4,056 |
| Noninterest expense to average assets | 2.1997% | 6,652 |
| Loan and lease loss provision to assets | 0.1462% | 5,434 |
| Net operating income to assets | 1.1911% | 1,579 |
| Return on assets (ROA) | 1.2315% | 1,543 |
| Pretax return on assets | 1.6268% | 1,224 |
| Return on Equity (ROE) | 11.9996% | 1,458 |
| Retained earnings to average equity (ytd only) | 8.8335% | 1,164 |
| Net charge-offs to loans | 0.1460% | 4,772 |
| Credit loss provision to net charge-offs | 143.6170% | 2,767 |
| Earnings coverage of net charge-offs (x) | 16.8936% | 1,384 |
| Efficiency ratio | 56.1205% | 6,622 |
| Assets per employee ($millions) | 6.7675% | 855 |
| Cash dividends to net income (ytd only)* | 26.3852% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 6,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8586% | 5,398 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 70.8885% | 2,691 |
| Net loans and leases to deposits | 94.3201% | 1,236 |
| Net loans and leases to core deposits | 128.4212% | 451 |
| Total domestic deposits to total assets | 75.1574% | 6,835 |
| Equity capital to assets | 10.2122% | 3,751 |
| Core capital (leverage) ratio | 10.4420% | 2,675 |
| Tier 1 risk-based capital ratio | 12.6096% | 4,766 |
| Total risk-based capital ratio | 13.5649% | 5,008 |
| Memoranda: | ||
| Average total assets | $184,657,670 | 3,372 |
| Average earning assets | $166,079,330 | 3,409 |
| Average equity | $18,950,670 | 3,307 |
| Average total loans | $128,725,670 | 3,221 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 4,659 |
| Cost of funding earning assets | 1.7783% | 1,977 |
| Net interest margin | 3.2956% | 5,989 |
| Noninterest income to average assets | 0.4390% | 4,569 |
| Noninterest expense to average assets | 2.1488% | 6,808 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0250% | 2,092 |
| Return on assets (ROA) | 1.0250% | 2,151 |
| Pretax return on assets | 1.2555% | 2,190 |
| Return on Equity (ROE) | 9.9624% | 2,119 |
| Retained earnings to average equity (ytd only) | 9.9624% | 1,148 |
| Net charge-offs to loans | 0.0447% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 40.8571% | 676 |
| Efficiency ratio | 63.1206% | 5,640 |
| Assets per employee ($millions) | 7.2665% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 6,178 |
| Loan loss allowance to noncurrent loans | 2,352.5424% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 5,582 |
| Noncurrent loans to loans | 0.0451% | 7,299 |
| Net loans and leases to total assets | 71.2330% | 2,636 |
| Net loans and leases to deposits | 98.8224% | 838 |
| Net loans and leases to core deposits | 134.2853% | 405 |
| Total domestic deposits to total assets | 72.0818% | 7,257 |
| Equity capital to assets | 10.4534% | 3,293 |
| Core capital (leverage) ratio | 10.5033% | 2,618 |
| Tier 1 risk-based capital ratio | 13.0712% | 4,283 |
| Total risk-based capital ratio | 14.0437% | 4,453 |
| Memoranda: | ||
| Average total assets | $182,242,000 | 3,468 |
| Average earning assets | $163,976,500 | 3,493 |
| Average equity | $18,750,500 | 3,361 |
| Average total loans | $125,204,000 | 3,363 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7275% | 2,975 |
| Cost of funding earning assets | 1.9353% | 3,275 |
| Net interest margin | 3.7922% | 3,745 |
| Noninterest income to average assets | 0.5301% | 4,179 |
| Noninterest expense to average assets | 2.6011% | 5,797 |
| Loan and lease loss provision to assets | 0.2648% | 5,289 |
| Net operating income to assets | 0.9062% | 2,158 |
| Return on assets (ROA) | 1.3003% | 1,080 |
| Pretax return on assets | 1.5989% | 969 |
| Return on Equity (ROE) | 12.5638% | 1,041 |
| Retained earnings to average equity (ytd only) | 9.2342% | 459 |
| Net charge-offs to loans | 0.1699% | 5,583 |
| Credit loss provision to net charge-offs | 237.6289% | 1,516 |
| Earnings coverage of net charge-offs (x) | 12.3608% | 1,517 |
| Efficiency ratio | 65.3818% | 5,522 |
| Assets per employee ($millions) | 7.9487% | 525 |
| Cash dividends to net income (ytd only)* | 26.5018% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 5,518 |
| Loan loss allowance to noncurrent loans | 130.1484% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 1.1038% | 4,880 |
| Noncurrent loans to loans | 0.9012% | 5,505 |
| Net loans and leases to total assets | 64.6605% | 4,457 |
| Net loans and leases to deposits | 92.5491% | 1,811 |
| Net loans and leases to core deposits | 173.8657% | 210 |
| Total domestic deposits to total assets | 69.8662% | 7,440 |
| Equity capital to assets | 10.1252% | 3,594 |
| Core capital (leverage) ratio | 10.4919% | 2,617 |
| Tier 1 risk-based capital ratio | 13.7466% | 3,661 |
| Total risk-based capital ratio | 14.8068% | 3,728 |
| Memoranda: | ||
| Average total assets | $174,117,200 | 3,529 |
| Average earning assets | $158,323,800 | 3,549 |
| Average equity | $18,020,000 | 3,502 |
| Average total loans | $114,153,400 | 3,607 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0286% | 1,920 |
| Cost of funding earning assets | 1.9826% | 3,455 |
| Net interest margin | 4.0461% | 2,614 |
| Noninterest income to average assets | 0.5195% | 4,324 |
| Noninterest expense to average assets | 2.4488% | 6,255 |
| Loan and lease loss provision to assets | 0.2055% | 5,345 |
| Net operating income to assets | 1.0927% | 1,756 |
| Return on assets (ROA) | 1.5524% | 783 |
| Pretax return on assets | 2.2046% | 345 |
| Return on Equity (ROE) | 14.9144% | 783 |
| Retained earnings to average equity (ytd only) | 14.9144% | 164 |
| Net charge-offs to loans | 0.1950% | 4,842 |
| Credit loss provision to net charge-offs | 160.6061% | 2,950 |
| Earnings coverage of net charge-offs (x) | 13.7033% | 1,658 |
| Efficiency ratio | 58.2764% | 6,683 |
| Assets per employee ($millions) | 7.6481% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 5,865 |
| Loan loss allowance to noncurrent loans | 165.3280% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 1.1251% | 4,827 |
| Noncurrent loans to loans | 0.6504% | 5,998 |
| Net loans and leases to total assets | 67.5308% | 4,059 |
| Net loans and leases to deposits | 110.6732% | 439 |
| Net loans and leases to core deposits | 180.0900% | 184 |
| Total domestic deposits to total assets | 61.0182% | 7,852 |
| Equity capital to assets | 11.2078% | 2,827 |
| Core capital (leverage) ratio | 10.7069% | 2,634 |
| Tier 1 risk-based capital ratio | 15.2019% | 2,951 |
| Total risk-based capital ratio | 16.2165% | 2,992 |
| Memoranda: | ||
| Average total assets | $171,941,250 | 3,595 |
| Average earning assets | $156,493,250 | 3,610 |
| Average equity | $17,897,250 | 3,551 |
| Average total loans | $112,787,750 | 3,659 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9891% | 2,225 |
| Cost of funding earning assets | 2.0065% | 3,740 |
| Net interest margin | 3.9826% | 2,777 |
| Noninterest income to average assets | 0.5498% | 4,038 |
| Noninterest expense to average assets | 2.4981% | 6,133 |
| Loan and lease loss provision to assets | 0.1351% | 5,724 |
| Net operating income to assets | 0.9861% | 2,158 |
| Return on assets (ROA) | 1.2034% | 1,550 |
| Pretax return on assets | 1.8872% | 715 |
| Return on Equity (ROE) | 11.8564% | 1,464 |
| Retained earnings to average equity (ytd only) | 11.8564% | 467 |
| Net charge-offs to loans | 0.0732% | 5,482 |
| Credit loss provision to net charge-offs | 285.3659% | 1,640 |
| Earnings coverage of net charge-offs (x) | 35.5366% | 891 |
| Efficiency ratio | 59.7514% | 6,588 |
| Assets per employee ($millions) | 7.5129% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 5,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 6,773 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 64.1313% | 4,955 |
| Net loans and leases to deposits | 102.8741% | 1,006 |
| Net loans and leases to core deposits | 180.6279% | 216 |
| Total domestic deposits to total assets | 62.3396% | 7,880 |
| Equity capital to assets | 10.4707% | 3,440 |
| Core capital (leverage) ratio | 10.1219% | 3,168 |
| Tier 1 risk-based capital ratio | 14.8487% | 3,089 |
| Total risk-based capital ratio | 15.8743% | 3,123 |
| Memoranda: | ||
| Average total assets | $173,169,000 | 3,584 |
| Average earning assets | $157,887,330 | 3,600 |
| Average equity | $17,577,000 | 3,604 |
| Average total loans | $112,096,670 | 3,717 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7054% | 3,781 |
| Cost of funding earning assets | 2.1072% | 3,619 |
| Net interest margin | 3.5982% | 4,324 |
| Noninterest income to average assets | 0.6368% | 3,293 |
| Noninterest expense to average assets | 2.3466% | 6,383 |
| Loan and lease loss provision to assets | 0.0554% | 6,271 |
| Net operating income to assets | 0.9318% | 2,578 |
| Return on assets (ROA) | 1.3660% | 1,307 |
| Pretax return on assets | 2.1874% | 452 |
| Return on Equity (ROE) | 13.6728% | 1,232 |
| Retained earnings to average equity (ytd only) | 13.6728% | 543 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,402 |
| Assets per employee ($millions) | 7.8344% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 6,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 6,544 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 65.1624% | 4,782 |
| Net loans and leases to deposits | 104.5424% | 978 |
| Net loans and leases to core deposits | 184.9975% | 205 |
| Total domestic deposits to total assets | 62.3311% | 7,899 |
| Equity capital to assets | 10.2427% | 3,717 |
| Core capital (leverage) ratio | 9.9230% | 3,493 |
| Tier 1 risk-based capital ratio | 14.2206% | 3,465 |
| Total risk-based capital ratio | 15.1860% | 3,550 |
| Memoranda: | ||
| Average total assets | $173,355,000 | 3,599 |
| Average earning assets | $157,744,500 | 3,618 |
| Average equity | $17,319,000 | 3,669 |
| Average total loans | $112,130,500 | 3,739 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6625% | 2,188 |
| Cost of funding earning assets | 2.5745% | 3,824 |
| Net interest margin | 4.0880% | 2,766 |
| Noninterest income to average assets | 0.5579% | 4,178 |
| Noninterest expense to average assets | 2.7979% | 4,827 |
| Loan and lease loss provision to assets | 0.2842% | 4,109 |
| Net operating income to assets | 0.7880% | 3,491 |
| Return on assets (ROA) | 0.7930% | 3,308 |
| Pretax return on assets | 1.2688% | 2,411 |
| Return on Equity (ROE) | 6.9928% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.9928% | 1,155 |
| Net charge-offs to loans | 0.0909% | 5,439 |
| Credit loss provision to net charge-offs | 493.9024% | 885 |
| Earnings coverage of net charge-offs (x) | 26.8537% | 1,266 |
| Efficiency ratio | 64.4207% | 5,471 |
| Assets per employee ($millions) | 7.5806% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 5,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 5,952 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 62.8925% | 5,474 |
| Net loans and leases to deposits | 99.5199% | 1,901 |
| Net loans and leases to core deposits | 177.9882% | 311 |
| Total domestic deposits to total assets | 63.1959% | 7,827 |
| Equity capital to assets | 9.7412% | 4,377 |
| Core capital (leverage) ratio | 9.9832% | 3,465 |
| Tier 1 risk-based capital ratio | 13.8293% | 3,631 |
| Total risk-based capital ratio | 14.7823% | 3,699 |
| Memoranda: | ||
| Average total assets | $142,502,000 | 4,036 |
| Average earning assets | $131,946,600 | 4,012 |
| Average equity | $16,159,400 | 3,895 |
| Average total loans | $90,164,400 | 4,221 |