Home > Stifel Bank > Performance and Condition Ratios
Stifel Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7712% | 1,541 |
| Cost of funding earning assets | 3.1213% | 247 |
| Net interest margin | 2.6499% | 3,895 |
| Noninterest income to average assets | 0.0500% | 4,305 |
| Noninterest expense to average assets | 0.5451% | 4,414 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 1.5028% | 1,088 |
| Return on assets (ROA) | 1.5028% | 1,087 |
| Pretax return on assets | 2.0007% | 697 |
| Return on Equity (ROE) | 23.4100% | 250 |
| Retained earnings to average equity (ytd only) | 6.6189% | 2,111 |
| Net charge-offs to loans | -0.0005% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 20.5221% | 4,433 |
| Assets per employee ($millions) | 166.3419% | 9 |
| Cash dividends to net income (ytd only)* | 71.7206% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4437% | 4,292 |
| Loan loss allowance to noncurrent loans | 38,126.2500% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,801 |
| Noncurrent loans to loans | 0.0012% | 3,772 |
| Net loans and leases to total assets | 59.6200% | 2,914 |
| Net loans and leases to deposits | 64.2615% | 3,253 |
| Net loans and leases to core deposits | 64.4554% | 3,518 |
| Total domestic deposits to total assets | 92.7800% | 161 |
| Equity capital to assets | 6.3230% | 4,194 |
| Core capital (leverage) ratio | 7.1151% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8761% | 1,910 |
| Memoranda: | ||
| Average total assets | $11,133,921,000 | 154 |
| Average earning assets | $10,962,108,000 | 141 |
| Average equity | $714,865,500 | 226 |
| Average total loans | $6,923,776,500 | 161 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4797% | 731 |
| Cost of funding earning assets | 3.8564% | 91 |
| Net interest margin | 2.6233% | 3,744 |
| Noninterest income to average assets | 0.0400% | 4,385 |
| Noninterest expense to average assets | 0.5736% | 4,437 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.5071% | 900 |
| Return on assets (ROA) | 1.5071% | 895 |
| Pretax return on assets | 1.9958% | 608 |
| Return on Equity (ROE) | 22.9900% | 254 |
| Retained earnings to average equity (ytd only) | -4.3273% | 4,262 |
| Net charge-offs to loans | 0.0022% | 2,936 |
| Credit loss provision to net charge-offs | 1,294.1935% | 331 |
| Earnings coverage of net charge-offs (x) | 1,433.1484% | 82 |
| Efficiency ratio | 21.9481% | 4,450 |
| Assets per employee ($millions) | 182.8856% | 8 |
| Cash dividends to net income (ytd only)* | 118.8235% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4154% | 4,321 |
| Loan loss allowance to noncurrent loans | 37,135.8974% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,806 |
| Noncurrent loans to loans | 0.0011% | 3,777 |
| Net loans and leases to total assets | 64.3600% | 2,540 |
| Net loans and leases to deposits | 69.7665% | 2,967 |
| Net loans and leases to core deposits | 69.8950% | 3,365 |
| Total domestic deposits to total assets | 92.2500% | 256 |
| Equity capital to assets | 6.5244% | 4,094 |
| Core capital (leverage) ratio | 7.0856% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7293% | 1,957 |
| Memoranda: | ||
| Average total assets | $10,889,320,600 | 155 |
| Average earning assets | $10,674,191,400 | 146 |
| Average equity | $713,859,200 | 220 |
| Average total loans | $6,922,191,600 | 161 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5186% | 672 |
| Cost of funding earning assets | 3.9762% | 80 |
| Net interest margin | 2.5423% | 3,828 |
| Noninterest income to average assets | 0.0400% | 4,403 |
| Noninterest expense to average assets | 0.5857% | 4,464 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.4520% | 1,008 |
| Return on assets (ROA) | 1.4520% | 1,005 |
| Pretax return on assets | 1.9260% | 723 |
| Return on Equity (ROE) | 22.1200% | 302 |
| Retained earnings to average equity (ytd only) | -7.6585% | 4,398 |
| Net charge-offs to loans | 0.0030% | 2,631 |
| Credit loss provision to net charge-offs | 413.2911% | 726 |
| Earnings coverage of net charge-offs (x) | 1,006.6899% | 118 |
| Efficiency ratio | 23.1601% | 4,480 |
| Assets per employee ($millions) | 177.3215% | 8 |
| Cash dividends to net income (ytd only)* | 134.6189% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4115% | 4,361 |
| Loan loss allowance to noncurrent loans | 54,137.2549% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,848 |
| Noncurrent loans to loans | 0.0008% | 3,814 |
| Net loans and leases to total assets | 63.8700% | 2,541 |
| Net loans and leases to deposits | 68.7804% | 3,071 |
| Net loans and leases to core deposits | 68.8975% | 3,445 |
| Total domestic deposits to total assets | 92.8600% | 104 |
| Equity capital to assets | 6.7454% | 4,184 |
| Core capital (leverage) ratio | 7.0872% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2931% | 1,787 |
| Memoranda: | ||
| Average total assets | $10,914,088,000 | 154 |
| Average earning assets | $10,679,861,000 | 148 |
| Average equity | $716,324,250 | 221 |
| Average total loans | $6,909,315,000 | 162 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4542% | 669 |
| Cost of funding earning assets | 3.9483% | 74 |
| Net interest margin | 2.5058% | 3,873 |
| Noninterest income to average assets | 0.0400% | 4,424 |
| Noninterest expense to average assets | 0.6029% | 4,485 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.4025% | 1,073 |
| Return on assets (ROA) | 1.4025% | 1,081 |
| Pretax return on assets | 1.8681% | 772 |
| Return on Equity (ROE) | 21.5600% | 361 |
| Retained earnings to average equity (ytd only) | -15.9496% | 4,484 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 24.2469% | 4,495 |
| Assets per employee ($millions) | 177.5703% | 8 |
| Cash dividends to net income (ytd only)* | 173.9870% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4196% | 4,374 |
| Loan loss allowance to noncurrent loans | 44,940.3226% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 3,844 |
| Noncurrent loans to loans | 0.0009% | 3,808 |
| Net loans and leases to total assets | 63.1100% | 2,641 |
| Net loans and leases to deposits | 67.7220% | 3,144 |
| Net loans and leases to core deposits | 67.8256% | 3,469 |
| Total domestic deposits to total assets | 93.2000% | 126 |
| Equity capital to assets | 6.4103% | 4,129 |
| Core capital (leverage) ratio | 7.1338% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8146% | 1,958 |
| Memoranda: | ||
| Average total assets | $11,064,794,333 | 153 |
| Average earning assets | $10,799,464,000 | 147 |
| Average equity | $719,866,667 | 219 |
| Average total loans | $6,975,910,667 | 161 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5302% | 551 |
| Cost of funding earning assets | 4.0543% | 64 |
| Net interest margin | 2.4759% | 3,900 |
| Noninterest income to average assets | 0.0200% | 4,459 |
| Noninterest expense to average assets | 0.6755% | 4,509 |
| Loan and lease loss provision to assets | -0.0400% | 4,323 |
| Net operating income to assets | 1.3543% | 1,140 |
| Return on assets (ROA) | 1.3543% | 1,151 |
| Pretax return on assets | 1.8041% | 835 |
| Return on Equity (ROE) | 20.6800% | 401 |
| Retained earnings to average equity (ytd only) | 20.6767% | 170 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 27.6579% | 4,481 |
| Assets per employee ($millions) | 195.4987% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4040% | 4,372 |
| Loan loss allowance to noncurrent loans | 54,985.7143% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,880 |
| Noncurrent loans to loans | 0.0007% | 3,830 |
| Net loans and leases to total assets | 61.7700% | 2,693 |
| Net loans and leases to deposits | 66.9308% | 3,112 |
| Net loans and leases to core deposits | 67.0552% | 3,479 |
| Total domestic deposits to total assets | 92.2800% | 297 |
| Equity capital to assets | 7.1334% | 3,842 |
| Core capital (leverage) ratio | 7.1628% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4709% | 1,410 |
| Memoranda: | ||
| Average total assets | $11,358,868,000 | 151 |
| Average earning assets | $11,113,559,000 | 142 |
| Average equity | $744,008,000 | 215 |
| Average total loans | $7,143,785,000 | 161 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0298% | 611 |
| Cost of funding earning assets | 3.8687% | 43 |
| Net interest margin | 2.1611% | 4,339 |
| Noninterest income to average assets | -0.0300% | 4,582 |
| Noninterest expense to average assets | 0.5622% | 4,532 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.9740% | 2,296 |
| Return on assets (ROA) | 0.9740% | 2,283 |
| Pretax return on assets | 1.2957% | 1,878 |
| Return on Equity (ROE) | 16.5500% | 1,010 |
| Retained earnings to average equity (ytd only) | 16.5464% | 239 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 27.5383% | 4,504 |
| Assets per employee ($millions) | 234.6139% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3559% | 4,406 |
| Loan loss allowance to noncurrent loans | 45,957.6271% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,859 |
| Noncurrent loans to loans | 0.0008% | 3,803 |
| Net loans and leases to total assets | 63.4500% | 2,514 |
| Net loans and leases to deposits | 67.8721% | 3,043 |
| Net loans and leases to core deposits | 68.1179% | 3,403 |
| Total domestic deposits to total assets | 93.4900% | 140 |
| Equity capital to assets | 6.0258% | 4,231 |
| Core capital (leverage) ratio | 7.1581% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4994% | 2,411 |
| Memoranda: | ||
| Average total assets | $9,409,582,800 | 169 |
| Average earning assets | $9,009,839,200 | 156 |
| Average equity | $553,877,400 | 247 |
| Average total loans | $5,900,656,400 | 182 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0130% | 524 |
| Cost of funding earning assets | 3.8596% | 44 |
| Net interest margin | 2.1534% | 4,380 |
| Noninterest income to average assets | -0.0500% | 4,614 |
| Noninterest expense to average assets | 0.5610% | 4,555 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.9621% | 2,472 |
| Return on assets (ROA) | 0.9621% | 2,466 |
| Pretax return on assets | 1.2739% | 2,111 |
| Return on Equity (ROE) | 16.4800% | 1,167 |
| Retained earnings to average equity (ytd only) | 16.4783% | 428 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 28.0966% | 4,529 |
| Assets per employee ($millions) | 197.0680% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4237% | 4,393 |
| Loan loss allowance to noncurrent loans | 85,010.3448% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,894 |
| Noncurrent loans to loans | 0.0005% | 3,838 |
| Net loans and leases to total assets | 58.8000% | 2,961 |
| Net loans and leases to deposits | 62.8556% | 3,341 |
| Net loans and leases to core deposits | 63.5604% | 3,554 |
| Total domestic deposits to total assets | 93.5500% | 239 |
| Equity capital to assets | 6.0510% | 3,969 |
| Core capital (leverage) ratio | 7.0754% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3009% | 1,474 |
| Memoranda: | ||
| Average total assets | $8,770,651,500 | 176 |
| Average earning assets | $8,340,695,750 | 168 |
| Average equity | $512,095,000 | 257 |
| Average total loans | $5,471,009,500 | 192 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7563% | 591 |
| Cost of funding earning assets | 3.6032% | 35 |
| Net interest margin | 2.1531% | 4,445 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 0.5171% | 4,589 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.0179% | 2,369 |
| Return on assets (ROA) | 1.0179% | 2,358 |
| Pretax return on assets | 1.3463% | 1,951 |
| Return on Equity (ROE) | 17.6800% | 989 |
| Retained earnings to average equity (ytd only) | 17.6845% | 355 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 25.0472% | 4,564 |
| Assets per employee ($millions) | 198.7931% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3854% | 4,444 |
| Loan loss allowance to noncurrent loans | 77,425.8065% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,912 |
| Noncurrent loans to loans | 0.0005% | 3,842 |
| Net loans and leases to total assets | 66.4000% | 2,113 |
| Net loans and leases to deposits | 70.8689% | 2,727 |
| Net loans and leases to core deposits | 70.9752% | 3,066 |
| Total domestic deposits to total assets | 93.7000% | 169 |
| Equity capital to assets | 5.9443% | 4,173 |
| Core capital (leverage) ratio | 7.0900% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0231% | 2,285 |
| Memoranda: | ||
| Average total assets | $8,409,736,000 | 177 |
| Average earning assets | $8,000,579,000 | 169 |
| Average equity | $484,049,667 | 266 |
| Average total loans | $5,355,147,333 | 191 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3678% | 765 |
| Cost of funding earning assets | 3.2630% | 16 |
| Net interest margin | 2.1048% | 4,531 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 0.2887% | 4,670 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.1576% | 2,049 |
| Return on assets (ROA) | 1.1576% | 2,013 |
| Pretax return on assets | 1.5300% | 1,603 |
| Return on Equity (ROE) | 20.5100% | 708 |
| Retained earnings to average equity (ytd only) | 20.5059% | 350 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 13.9073% | 4,662 |
| Assets per employee ($millions) | 216.9763% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4084% | 4,495 |
| Loan loss allowance to noncurrent loans | 110,385.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,953 |
| Noncurrent loans to loans | 0.0004% | 3,883 |
| Net loans and leases to total assets | 62.0200% | 2,460 |
| Net loans and leases to deposits | 66.1936% | 2,918 |
| Net loans and leases to core deposits | 66.1936% | 3,207 |
| Total domestic deposits to total assets | 93.7000% | 202 |
| Equity capital to assets | 5.9674% | 4,212 |
| Core capital (leverage) ratio | 7.4570% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6974% | 2,095 |
| Memoranda: | ||
| Average total assets | $7,942,967,000 | 189 |
| Average earning assets | $7,644,898,500 | 179 |
| Average equity | $448,378,000 | 289 |
| Average total loans | $4,918,597,500 | 204 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5062% | 3,059 |
| Cost of funding earning assets | 0.9749% | 180 |
| Net interest margin | 2.5313% | 4,252 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 0.4591% | 4,688 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.3653% | 1,226 |
| Return on assets (ROA) | 1.3661% | 1,182 |
| Pretax return on assets | 1.7916% | 753 |
| Return on Equity (ROE) | 24.5400% | 227 |
| Retained earnings to average equity (ytd only) | 20.9647% | 73 |
| Net charge-offs to loans | -0.0001% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 18.5402% | 4,692 |
| Assets per employee ($millions) | 277.1878% | 9 |
| Cash dividends to net income (ytd only)* | 14.5740% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3966% | 4,504 |
| Loan loss allowance to noncurrent loans | 292,933.3333% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 3,974 |
| Noncurrent loans to loans | 0.0001% | 3,911 |
| Net loans and leases to total assets | 61.2500% | 2,522 |
| Net loans and leases to deposits | 64.9503% | 2,958 |
| Net loans and leases to core deposits | 64.9503% | 3,201 |
| Total domestic deposits to total assets | 94.3100% | 209 |
| Equity capital to assets | 5.2567% | 4,300 |
| Core capital (leverage) ratio | 7.0664% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5836% | 2,843 |
| Memoranda: | ||
| Average total assets | $5,525,183,200 | 256 |
| Average earning assets | $5,298,134,000 | 244 |
| Average equity | $307,549,800 | 384 |
| Average total loans | $2,906,131,000 | 287 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9467% | 3,988 |
| Cost of funding earning assets | 0.3812% | 1,431 |
| Net interest margin | 2.5655% | 4,144 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 0.5065% | 4,729 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.4264% | 1,016 |
| Return on assets (ROA) | 1.4264% | 985 |
| Pretax return on assets | 1.8881% | 600 |
| Return on Equity (ROE) | 25.1300% | 184 |
| Retained earnings to average equity (ytd only) | 20.0700% | 105 |
| Net charge-offs to loans | -0.0001% | 3,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 19.9101% | 4,722 |
| Assets per employee ($millions) | 228.3638% | 10 |
| Cash dividends to net income (ytd only)* | 20.1421% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3883% | 4,549 |
| Loan loss allowance to noncurrent loans | 572,100.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,051 |
| Noncurrent loans to loans | 0.0001% | 3,991 |
| Net loans and leases to total assets | 51.4100% | 3,348 |
| Net loans and leases to deposits | 54.3911% | 3,582 |
| Net loans and leases to core deposits | 54.4230% | 3,720 |
| Total domestic deposits to total assets | 94.5200% | 288 |
| Equity capital to assets | 4.9459% | 4,305 |
| Core capital (leverage) ratio | 7.2769% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9218% | 3,048 |
| Memoranda: | ||
| Average total assets | $5,104,758,500 | 272 |
| Average earning assets | $4,919,445,250 | 261 |
| Average equity | $289,725,750 | 395 |
| Average total loans | $2,524,634,000 | 316 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4353% | 4,435 |
| Cost of funding earning assets | 0.0694% | 4,461 |
| Net interest margin | 2.3659% | 4,267 |
| Noninterest income to average assets | 0.0297% | 4,682 |
| Noninterest expense to average assets | 0.5574% | 4,749 |
| Loan and lease loss provision to assets | 0.1290% | 754 |
| Net operating income to assets | 1.2590% | 1,255 |
| Return on assets (ROA) | 1.2590% | 1,242 |
| Pretax return on assets | 1.6631% | 818 |
| Return on Equity (ROE) | 21.1281% | 237 |
| Retained earnings to average equity (ytd only) | 13.5985% | 403 |
| Net charge-offs to loans | -0.0002% | 2,964 |
| Credit loss provision to net charge-offs | -107,600.0000% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.7249% | 4,742 |
| Assets per employee ($millions) | 93.5001% | 19 |
| Cash dividends to net income (ytd only)* | 35.6379% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3968% | 4,620 |
| Loan loss allowance to noncurrent loans | 68,914.2857% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,090 |
| Noncurrent loans to loans | 0.0006% | 4,019 |
| Net loans and leases to total assets | 48.8708% | 3,478 |
| Net loans and leases to deposits | 52.0578% | 3,678 |
| Net loans and leases to core deposits | 52.1954% | 3,811 |
| Total domestic deposits to total assets | 93.8780% | 304 |
| Equity capital to assets | 5.5583% | 4,344 |
| Core capital (leverage) ratio | 7.2132% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0816% | 2,796 |
| Memoranda: | ||
| Average total assets | $4,903,312,667 | 275 |
| Average earning assets | $4,807,930,333 | 262 |
| Average equity | $292,179,333 | 397 |
| Average total loans | $2,383,976,333 | 318 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1415% | 4,561 |
| Cost of funding earning assets | 0.0309% | 4,704 |
| Net interest margin | 2.1106% | 4,432 |
| Noninterest income to average assets | 0.0259% | 4,713 |
| Noninterest expense to average assets | 0.5729% | 4,775 |
| Loan and lease loss provision to assets | 0.1114% | 748 |
| Net operating income to assets | 1.0705% | 1,622 |
| Return on assets (ROA) | 1.0705% | 1,611 |
| Pretax return on assets | 1.4153% | 1,212 |
| Return on Equity (ROE) | 17.3722% | 384 |
| Retained earnings to average equity (ytd only) | 17.3722% | 162 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.2880% | 4,757 |
| Assets per employee ($millions) | 84.6787% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3601% | 4,664 |
| Loan loss allowance to noncurrent loans | 76,163.6364% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,134 |
| Noncurrent loans to loans | 0.0005% | 4,057 |
| Net loans and leases to total assets | 47.1953% | 3,469 |
| Net loans and leases to deposits | 50.5670% | 3,686 |
| Net loans and leases to core deposits | 50.7031% | 3,832 |
| Total domestic deposits to total assets | 93.3324% | 196 |
| Equity capital to assets | 6.0864% | 4,566 |
| Core capital (leverage) ratio | 7.0911% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1276% | 2,563 |
| Memoranda: | ||
| Average total assets | $4,877,215,500 | 277 |
| Average earning assets | $4,791,928,000 | 267 |
| Average equity | $300,548,500 | 399 |
| Average total loans | $2,360,241,500 | 321 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2446% | 4,610 |
| Cost of funding earning assets | 0.0575% | 4,653 |
| Net interest margin | 2.1871% | 4,494 |
| Noninterest income to average assets | 0.2017% | 4,158 |
| Noninterest expense to average assets | 0.6248% | 4,804 |
| Loan and lease loss provision to assets | -0.1814% | 4,670 |
| Net operating income to assets | 1.4532% | 1,128 |
| Return on assets (ROA) | 1.4532% | 1,203 |
| Pretax return on assets | 1.8877% | 741 |
| Return on Equity (ROE) | 21.2099% | 252 |
| Retained earnings to average equity (ytd only) | 3.2133% | 3,544 |
| Net charge-offs to loans | 0.0015% | 2,603 |
| Credit loss provision to net charge-offs | -18,226.6667% | 4,265 |
| Earnings coverage of net charge-offs (x) | 2,421.7000% | 54 |
| Efficiency ratio | 26.8030% | 4,804 |
| Assets per employee ($millions) | 167.0024% | 13 |
| Cash dividends to net income (ytd only)* | 84.8499% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3130% | 4,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 49.2803% | 3,373 |
| Net loans and leases to deposits | 52.8228% | 3,679 |
| Net loans and leases to core deposits | 53.0035% | 3,826 |
| Total domestic deposits to total assets | 93.2935% | 31 |
| Equity capital to assets | 6.2393% | 4,805 |
| Core capital (leverage) ratio | 7.0632% | 4,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1498% | 2,185 |
| Memoranda: | ||
| Average total assets | $4,257,805,200 | 290 |
| Average earning assets | $4,145,508,600 | 279 |
| Average equity | $291,722,400 | 403 |
| Average total loans | $1,955,683,600 | 370 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4087% | 4,625 |
| Cost of funding earning assets | 0.0671% | 4,703 |
| Net interest margin | 2.3416% | 4,453 |
| Noninterest income to average assets | 0.2708% | 3,794 |
| Noninterest expense to average assets | 0.6367% | 4,889 |
| Loan and lease loss provision to assets | -0.3317% | 4,836 |
| Net operating income to assets | 1.6985% | 832 |
| Return on assets (ROA) | 1.6985% | 873 |
| Pretax return on assets | 2.2361% | 509 |
| Return on Equity (ROE) | 24.1545% | 202 |
| Retained earnings to average equity (ytd only) | 8.0134% | 2,051 |
| Net charge-offs to loans | -0.0001% | 3,061 |
| Credit loss provision to net charge-offs | 815,400.0000% | 1 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.0552% | 4,884 |
| Assets per employee ($millions) | 73.2582% | 25 |
| Cash dividends to net income (ytd only)* | 66.8245% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2699% | 4,827 |
| Loan loss allowance to noncurrent loans | 14,666.6667% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,296 |
| Noncurrent loans to loans | 0.0018% | 4,214 |
| Net loans and leases to total assets | 42.0939% | 4,086 |
| Net loans and leases to deposits | 45.8628% | 4,235 |
| Net loans and leases to core deposits | 46.1233% | 4,316 |
| Total domestic deposits to total assets | 91.7823% | 168 |
| Equity capital to assets | 7.4556% | 4,716 |
| Core capital (leverage) ratio | 7.0855% | 4,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3702% | 656 |
| Memoranda: | ||
| Average total assets | $4,111,489,250 | 298 |
| Average earning assets | $3,986,460,250 | 285 |
| Average equity | $289,109,750 | 408 |
| Average total loans | $1,846,061,750 | 390 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4496% | 4,651 |
| Cost of funding earning assets | 0.0710% | 4,740 |
| Net interest margin | 2.3786% | 4,441 |
| Noninterest income to average assets | 0.0320% | 4,866 |
| Noninterest expense to average assets | 0.4805% | 4,932 |
| Loan and lease loss provision to assets | -0.4026% | 4,880 |
| Net operating income to assets | 1.7143% | 849 |
| Return on assets (ROA) | 1.7143% | 901 |
| Pretax return on assets | 2.2529% | 521 |
| Return on Equity (ROE) | 24.9017% | 197 |
| Retained earnings to average equity (ytd only) | 24.9017% | 72 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.6154% | 4,932 |
| Assets per employee ($millions) | 93.5642% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2268% | 4,869 |
| Loan loss allowance to noncurrent loans | 10,454.3478% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,341 |
| Noncurrent loans to loans | 0.0022% | 4,257 |
| Net loans and leases to total assets | 46.1379% | 3,891 |
| Net loans and leases to deposits | 50.1902% | 4,096 |
| Net loans and leases to core deposits | 50.7373% | 4,201 |
| Total domestic deposits to total assets | 91.9262% | 142 |
| Equity capital to assets | 7.3535% | 4,778 |
| Core capital (leverage) ratio | 7.0640% | 4,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9189% | 712 |
| Memoranda: | ||
| Average total assets | $4,065,660,333 | 300 |
| Average earning assets | $3,929,309,000 | 288 |
| Average equity | $279,884,000 | 413 |
| Average total loans | $1,863,615,667 | 390 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5700% | 4,596 |
| Cost of funding earning assets | 0.0718% | 4,788 |
| Net interest margin | 2.4982% | 4,300 |
| Noninterest income to average assets | 0.0415% | 4,867 |
| Noninterest expense to average assets | 0.4148% | 4,961 |
| Loan and lease loss provision to assets | -0.3464% | 4,881 |
| Net operating income to assets | 1.7919% | 799 |
| Return on assets (ROA) | 1.7919% | 853 |
| Pretax return on assets | 2.3559% | 552 |
| Return on Equity (ROE) | 27.1449% | 201 |
| Retained earnings to average equity (ytd only) | 27.1449% | 106 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.1103% | 4,960 |
| Assets per employee ($millions) | 84.5470% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4756% | 4,789 |
| Loan loss allowance to noncurrent loans | 6,137.3418% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,380 |
| Noncurrent loans to loans | 0.0077% | 4,284 |
| Net loans and leases to total assets | 44.4446% | 4,085 |
| Net loans and leases to deposits | 50.4650% | 4,133 |
| Net loans and leases to core deposits | 51.1103% | 4,236 |
| Total domestic deposits to total assets | 88.0702% | 1,813 |
| Equity capital to assets | 6.2270% | 4,923 |
| Core capital (leverage) ratio | 7.2813% | 4,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2329% | 887 |
| Memoranda: | ||
| Average total assets | $3,806,168,500 | 310 |
| Average earning assets | $3,630,312,000 | 302 |
| Average equity | $251,259,000 | 441 |
| Average total loans | $1,735,389,500 | 409 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5330% | 4,836 |
| Cost of funding earning assets | 0.1748% | 4,665 |
| Net interest margin | 2.3582% | 4,683 |
| Noninterest income to average assets | 0.0510% | 4,860 |
| Noninterest expense to average assets | 0.8807% | 4,948 |
| Loan and lease loss provision to assets | 0.1401% | 2,606 |
| Net operating income to assets | 1.0299% | 2,178 |
| Return on assets (ROA) | 1.0204% | 2,355 |
| Pretax return on assets | 1.3109% | 1,937 |
| Return on Equity (ROE) | 14.5002% | 718 |
| Retained earnings to average equity (ytd only) | 14.5002% | 170 |
| Net charge-offs to loans | 0.0015% | 3,368 |
| Credit loss provision to net charge-offs | 21,050.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 2,198.2778% | 45 |
| Efficiency ratio | 37.5765% | 4,920 |
| Assets per employee ($millions) | 58.5923% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 4,169 |
| Loan loss allowance to noncurrent loans | 8,223.4177% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,430 |
| Noncurrent loans to loans | 0.0110% | 4,333 |
| Net loans and leases to total assets | 46.5719% | 4,087 |
| Net loans and leases to deposits | 50.6373% | 4,283 |
| Net loans and leases to core deposits | 51.6816% | 4,358 |
| Total domestic deposits to total assets | 91.9716% | 74 |
| Equity capital to assets | 7.1623% | 4,897 |
| Core capital (leverage) ratio | 7.3192% | 4,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6686% | 1,113 |
| Memoranda: | ||
| Average total assets | $2,704,534,400 | 377 |
| Average earning assets | $2,629,544,400 | 354 |
| Average equity | $190,322,000 | 527 |
| Average total loans | $1,225,874,400 | 539 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6844% | 4,865 |
| Cost of funding earning assets | 0.2096% | 4,638 |
| Net interest margin | 2.4748% | 4,676 |
| Noninterest income to average assets | 0.0515% | 4,886 |
| Noninterest expense to average assets | 0.9420% | 4,982 |
| Loan and lease loss provision to assets | 0.2696% | 1,510 |
| Net operating income to assets | 0.9456% | 2,541 |
| Return on assets (ROA) | 0.9325% | 2,719 |
| Pretax return on assets | 1.2244% | 2,303 |
| Return on Equity (ROE) | 13.3194% | 1,025 |
| Retained earnings to average equity (ytd only) | 13.3194% | 302 |
| Net charge-offs to loans | 0.0044% | 2,994 |
| Credit loss provision to net charge-offs | 13,582.0513% | 93 |
| Earnings coverage of net charge-offs (x) | 760.8718% | 158 |
| Efficiency ratio | 38.4076% | 4,929 |
| Assets per employee ($millions) | 51.7902% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,812 |
| Loan loss allowance to noncurrent loans | 10,055.5556% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,496 |
| Noncurrent loans to loans | 0.0117% | 4,396 |
| Net loans and leases to total assets | 46.1111% | 4,310 |
| Net loans and leases to deposits | 50.6292% | 4,470 |
| Net loans and leases to core deposits | 52.1558% | 4,523 |
| Total domestic deposits to total assets | 91.0759% | 157 |
| Equity capital to assets | 7.8938% | 4,747 |
| Core capital (leverage) ratio | 7.2597% | 4,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2564% | 874 |
| Memoranda: | ||
| Average total assets | $2,618,968,500 | 378 |
| Average earning assets | $2,541,078,000 | 355 |
| Average equity | $183,347,500 | 542 |
| Average total loans | $1,174,356,750 | 546 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8972% | 4,882 |
| Cost of funding earning assets | 0.2614% | 4,590 |
| Net interest margin | 2.6358% | 4,622 |
| Noninterest income to average assets | 0.0554% | 4,901 |
| Noninterest expense to average assets | 0.8632% | 5,027 |
| Loan and lease loss provision to assets | 0.2275% | 1,841 |
| Net operating income to assets | 1.1627% | 1,755 |
| Return on assets (ROA) | 1.1430% | 1,960 |
| Pretax return on assets | 1.4988% | 1,460 |
| Return on Equity (ROE) | 17.0607% | 447 |
| Retained earnings to average equity (ytd only) | 17.0607% | 141 |
| Net charge-offs to loans | 0.0035% | 2,860 |
| Credit loss provision to net charge-offs | 14,850.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 1,143.3500% | 76 |
| Efficiency ratio | 33.0160% | 4,999 |
| Assets per employee ($millions) | 56.5763% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 3,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 45.3403% | 4,389 |
| Net loans and leases to deposits | 49.4398% | 4,553 |
| Net loans and leases to core deposits | 51.1789% | 4,593 |
| Total domestic deposits to total assets | 91.7082% | 70 |
| Equity capital to assets | 7.2139% | 4,937 |
| Core capital (leverage) ratio | 7.0828% | 5,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1294% | 758 |
| Memoranda: | ||
| Average total assets | $2,611,525,000 | 368 |
| Average earning assets | $2,535,485,000 | 351 |
| Average equity | $174,963,667 | 562 |
| Average total loans | $1,155,005,333 | 548 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2728% | 4,830 |
| Cost of funding earning assets | 0.3596% | 4,485 |
| Net interest margin | 2.9132% | 4,417 |
| Noninterest income to average assets | -0.2306% | 5,093 |
| Noninterest expense to average assets | 0.7272% | 5,082 |
| Loan and lease loss provision to assets | -0.2509% | 5,088 |
| Net operating income to assets | 1.6265% | 589 |
| Return on assets (ROA) | 1.5854% | 710 |
| Pretax return on assets | 2.0647% | 396 |
| Return on Equity (ROE) | 24.7364% | 72 |
| Retained earnings to average equity (ytd only) | 24.7364% | 35 |
| Net charge-offs to loans | 0.0074% | 2,303 |
| Credit loss provision to net charge-offs | -7,850.0000% | 3,941 |
| Earnings coverage of net charge-offs (x) | 583.7500% | 100 |
| Efficiency ratio | 28.0431% | 5,071 |
| Assets per employee ($millions) | 48.1646% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 4,495 |
| Loan loss allowance to noncurrent loans | 38,160.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,656 |
| Noncurrent loans to loans | 0.0020% | 4,579 |
| Net loans and leases to total assets | 36.3677% | 4,766 |
| Net loans and leases to deposits | 39.1096% | 4,849 |
| Net loans and leases to core deposits | 40.5966% | 4,870 |
| Total domestic deposits to total assets | 92.9891% | 13 |
| Equity capital to assets | 6.0048% | 5,102 |
| Core capital (leverage) ratio | 7.3036% | 5,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4595% | 1,488 |
| Memoranda: | ||
| Average total assets | $2,502,879,000 | 367 |
| Average earning assets | $2,425,927,500 | 349 |
| Average equity | $160,411,500 | 617 |
| Average total loans | $1,085,125,000 | 556 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 4,272 |
| Cost of funding earning assets | 0.7638% | 2,853 |
| Net interest margin | 3.2299% | 4,127 |
| Noninterest income to average assets | -0.0815% | 5,154 |
| Noninterest expense to average assets | 1.1966% | 5,096 |
| Loan and lease loss provision to assets | 0.0636% | 2,763 |
| Net operating income to assets | 1.3427% | 1,533 |
| Return on assets (ROA) | 1.3427% | 1,612 |
| Pretax return on assets | 1.7692% | 1,024 |
| Return on Equity (ROE) | 20.6247% | 180 |
| Retained earnings to average equity (ytd only) | 20.6247% | 29 |
| Net charge-offs to loans | 0.0166% | 3,121 |
| Credit loss provision to net charge-offs | 715.0838% | 445 |
| Earnings coverage of net charge-offs (x) | 206.0726% | 391 |
| Efficiency ratio | 39.5007% | 5,075 |
| Assets per employee ($millions) | 30.9641% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 4,339 |
| Loan loss allowance to noncurrent loans | 5,017.4863% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 4,636 |
| Noncurrent loans to loans | 0.0157% | 4,515 |
| Net loans and leases to total assets | 51.0979% | 4,277 |
| Net loans and leases to deposits | 55.5946% | 4,470 |
| Net loans and leases to core deposits | 58.4135% | 4,503 |
| Total domestic deposits to total assets | 91.9116% | 43 |
| Equity capital to assets | 6.9001% | 5,147 |
| Core capital (leverage) ratio | 7.1044% | 5,136 |
| Tier 1 risk-based capital ratio | 16.9492% | 2,062 |
| Total risk-based capital ratio | 18.0171% | 2,071 |
| Memoranda: | ||
| Average total assets | $2,012,632,200 | 425 |
| Average earning assets | $1,938,492,800 | 405 |
| Average equity | $131,027,400 | 701 |
| Average total loans | $1,076,374,200 | 538 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 4,212 |
| Cost of funding earning assets | 0.8292% | 2,572 |
| Net interest margin | 3.2461% | 4,196 |
| Noninterest income to average assets | 0.0949% | 5,008 |
| Noninterest expense to average assets | 1.1548% | 5,179 |
| Loan and lease loss provision to assets | 0.1094% | 1,780 |
| Net operating income to assets | 1.4589% | 1,306 |
| Return on assets (ROA) | 1.4589% | 1,358 |
| Pretax return on assets | 1.9521% | 763 |
| Return on Equity (ROE) | 22.8043% | 136 |
| Retained earnings to average equity (ytd only) | 22.8043% | 34 |
| Net charge-offs to loans | -0.0019% | 4,052 |
| Credit loss provision to net charge-offs | -10,666.6667% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9040% | 5,177 |
| Assets per employee ($millions) | 26.2977% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,098 |
| Loan loss allowance to noncurrent loans | 4,752.9412% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 4,275 |
| Noncurrent loans to loans | 0.0187% | 4,591 |
| Net loans and leases to total assets | 51.4628% | 4,342 |
| Net loans and leases to deposits | 56.2432% | 4,543 |
| Net loans and leases to core deposits | 59.3585% | 4,558 |
| Total domestic deposits to total assets | 91.5005% | 62 |
| Equity capital to assets | 7.1474% | 5,214 |
| Core capital (leverage) ratio | 7.0430% | 5,215 |
| Tier 1 risk-based capital ratio | 17.8617% | 1,861 |
| Total risk-based capital ratio | 19.0670% | 1,816 |
| Memoranda: | ||
| Average total assets | $1,950,696,000 | 438 |
| Average earning assets | $1,875,744,500 | 416 |
| Average equity | $124,792,000 | 728 |
| Average total loans | $1,054,421,000 | 546 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 4,175 |
| Cost of funding earning assets | 0.8214% | 2,540 |
| Net interest margin | 3.2722% | 4,194 |
| Noninterest income to average assets | 0.1428% | 4,854 |
| Noninterest expense to average assets | 1.1216% | 5,239 |
| Loan and lease loss provision to assets | 0.0716% | 2,383 |
| Net operating income to assets | 1.5713% | 969 |
| Return on assets (ROA) | 1.5713% | 1,008 |
| Pretax return on assets | 2.1146% | 531 |
| Return on Equity (ROE) | 25.6738% | 84 |
| Retained earnings to average equity (ytd only) | 25.6738% | 25 |
| Net charge-offs to loans | -0.0113% | 4,361 |
| Credit loss provision to net charge-offs | -1,152.5424% | 4,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9073% | 5,238 |
| Assets per employee ($millions) | 25.2158% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8582% | 4,242 |
| Loan loss allowance to noncurrent loans | 2,836.0129% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 3,353 |
| Noncurrent loans to loans | 0.0303% | 4,567 |
| Net loans and leases to total assets | 53.1674% | 4,279 |
| Net loans and leases to deposits | 58.2003% | 4,509 |
| Net loans and leases to core deposits | 61.8773% | 4,506 |
| Total domestic deposits to total assets | 91.3524% | 71 |
| Equity capital to assets | 7.3025% | 5,251 |
| Core capital (leverage) ratio | 7.2906% | 5,250 |
| Tier 1 risk-based capital ratio | 17.7163% | 1,876 |
| Total risk-based capital ratio | 18.8501% | 1,864 |
| Memoranda: | ||
| Average total assets | $1,899,655,670 | 449 |
| Average earning assets | $1,837,416,000 | 426 |
| Average equity | $116,266,330 | 772 |
| Average total loans | $1,041,768,330 | 552 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 4,397 |
| Cost of funding earning assets | 0.7695% | 2,688 |
| Net interest margin | 3.2159% | 4,358 |
| Noninterest income to average assets | 0.1440% | 4,873 |
| Noninterest expense to average assets | 0.9974% | 5,319 |
| Loan and lease loss provision to assets | 0.0349% | 2,926 |
| Net operating income to assets | 1.6738% | 770 |
| Return on assets (ROA) | 1.6738% | 798 |
| Pretax return on assets | 2.2442% | 404 |
| Return on Equity (ROE) | 30.3140% | 46 |
| Retained earnings to average equity (ytd only) | 30.3140% | 26 |
| Net charge-offs to loans | -0.0256% | 4,586 |
| Credit loss provision to net charge-offs | -246.2687% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.4415% | 5,310 |
| Assets per employee ($millions) | 30.9568% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8176% | 4,469 |
| Loan loss allowance to noncurrent loans | 2,199.2063% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 3,454 |
| Noncurrent loans to loans | 0.0372% | 4,602 |
| Net loans and leases to total assets | 50.1182% | 4,463 |
| Net loans and leases to deposits | 54.2334% | 4,671 |
| Net loans and leases to core deposits | 57.4382% | 4,657 |
| Total domestic deposits to total assets | 92.4120% | 43 |
| Equity capital to assets | 6.5615% | 5,329 |
| Core capital (leverage) ratio | 7.4524% | 5,289 |
| Tier 1 risk-based capital ratio | 17.5047% | 1,940 |
| Total risk-based capital ratio | 18.6126% | 1,938 |
| Memoranda: | ||
| Average total assets | $1,891,285,000 | 450 |
| Average earning assets | $1,842,219,000 | 426 |
| Average equity | $104,427,000 | 855 |
| Average total loans | $1,048,793,500 | 553 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2719% | 5,392 |
| Cost of funding earning assets | 0.2808% | 4,657 |
| Net interest margin | 0.9911% | 5,392 |
| Noninterest income to average assets | 0.0269% | 5,309 |
| Noninterest expense to average assets | 0.6158% | 5,384 |
| Loan and lease loss provision to assets | 0.0837% | 2,459 |
| Net operating income to assets | 0.2068% | 5,102 |
| Return on assets (ROA) | 0.1732% | 5,122 |
| Pretax return on assets | 0.2333% | 5,096 |
| Return on Equity (ROE) | 1.9418% | 5,051 |
| Retained earnings to average equity (ytd only) | 1.9418% | 4,373 |
| Net charge-offs to loans | -0.0200% | 4,701 |
| Credit loss provision to net charge-offs | -566.4000% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1336% | 3,316 |
| Assets per employee ($millions) | 29.0226% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7477% | 4,683 |
| Loan loss allowance to noncurrent loans | 4,464.6409% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,292 |
| Noncurrent loans to loans | 0.0167% | 4,721 |
| Net loans and leases to total assets | 60.5927% | 3,705 |
| Net loans and leases to deposits | 63.5288% | 4,275 |
| Net loans and leases to core deposits | 68.1365% | 4,229 |
| Total domestic deposits to total assets | 95.3782% | 6 |
| Equity capital to assets | 4.3394% | 5,399 |
| Core capital (leverage) ratio | 9.9307% | 3,666 |
| Tier 1 risk-based capital ratio | 12.2721% | 4,249 |
| Total risk-based capital ratio | 13.5229% | 4,144 |
| Memoranda: | ||
| Average total assets | $845,406,200 | 901 |
| Average earning assets | $809,122,400 | 873 |
| Average equity | $75,392,200 | 1,085 |
| Average total loans | $625,170,400 | 862 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5049% | 5,473 |
| Cost of funding earning assets | 0.1118% | 5,323 |
| Net interest margin | 0.3931% | 5,473 |
| Noninterest income to average assets | -0.1042% | 5,451 |
| Noninterest expense to average assets | 0.2974% | 5,467 |
| Loan and lease loss provision to assets | 0.0039% | 3,895 |
| Net operating income to assets | -0.0240% | 5,307 |
| Return on assets (ROA) | -0.0858% | 5,326 |
| Pretax return on assets | -0.1135% | 5,324 |
| Return on Equity (ROE) | -0.7019% | 5,323 |
| Retained earnings to average equity (ytd only) | -0.7019% | 5,112 |
| Net charge-offs to loans | -0.0305% | 4,758 |
| Credit loss provision to net charge-offs | -15.3846% | 4,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8367% | 78 |
| Assets per employee ($millions) | 9.2369% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 1,562 |
| Loan loss allowance to noncurrent loans | 1,733.0986% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.9704% | 1,497 |
| Noncurrent loans to loans | 0.0830% | 4,504 |
| Net loans and leases to total assets | 84.2894% | 422 |
| Net loans and leases to deposits | 97.1483% | 1,028 |
| Net loans and leases to core deposits | 144.7635% | 176 |
| Total domestic deposits to total assets | 86.7636% | 1,840 |
| Equity capital to assets | 12.4789% | 1,602 |
| Core capital (leverage) ratio | 12.4930% | 1,507 |
| Tier 1 risk-based capital ratio | 13.7530% | 3,485 |
| Total risk-based capital ratio | 15.0047% | 3,406 |
| Memoranda: | ||
| Average total assets | $614,163,750 | 1,184 |
| Average earning assets | $578,295,250 | 1,164 |
| Average equity | $75,034,500 | 1,093 |
| Average total loans | $511,263,250 | 1,026 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,619 |
| Cost of funding earning assets | 0.8674% | 842 |
| Net interest margin | 3.4745% | 3,719 |
| Noninterest income to average assets | 0.6833% | 1,940 |
| Noninterest expense to average assets | 2.3835% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1963% | 2,217 |
| Return on assets (ROA) | 1.1963% | 2,215 |
| Pretax return on assets | 1.5547% | 1,645 |
| Return on Equity (ROE) | 9.8599% | 2,630 |
| Retained earnings to average equity (ytd only) | 5.8637% | 2,630 |
| Net charge-offs to loans | -0.0411% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5220% | 3,850 |
| Assets per employee ($millions) | 9.0634% | 433 |
| Cash dividends to net income (ytd only)* | 40.5296% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 1,484 |
| Loan loss allowance to noncurrent loans | 3,342.2727% | 218 |
| Noncurrent assets plus other real estate owned to assets | 1.0449% | 1,431 |
| Noncurrent loans to loans | 0.0440% | 4,722 |
| Net loans and leases to total assets | 81.1354% | 836 |
| Net loans and leases to deposits | 94.3298% | 1,318 |
| Net loans and leases to core deposits | 136.7184% | 228 |
| Total domestic deposits to total assets | 86.0124% | 2,268 |
| Equity capital to assets | 12.5633% | 1,498 |
| Core capital (leverage) ratio | 12.2759% | 1,554 |
| Tier 1 risk-based capital ratio | 13.3068% | 3,728 |
| Total risk-based capital ratio | 14.5576% | 3,651 |
| Memoranda: | ||
| Average total assets | $618,753,000 | 1,176 |
| Average earning assets | $579,648,330 | 1,163 |
| Average equity | $75,071,670 | 1,086 |
| Average total loans | $510,533,330 | 1,024 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 2,848 |
| Cost of funding earning assets | 0.7853% | 1,016 |
| Net interest margin | 3.4263% | 3,791 |
| Noninterest income to average assets | 0.7443% | 1,642 |
| Noninterest expense to average assets | 2.3628% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1990% | 2,008 |
| Return on assets (ROA) | 1.1990% | 2,021 |
| Pretax return on assets | 1.5923% | 1,414 |
| Return on Equity (ROE) | 10.0561% | 2,393 |
| Retained earnings to average equity (ytd only) | 1.9983% | 4,349 |
| Net charge-offs to loans | -0.0109% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7409% | 4,097 |
| Assets per employee ($millions) | 8.9782% | 444 |
| Cash dividends to net income (ytd only)* | 80.1282% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 1,808 |
| Loan loss allowance to noncurrent loans | 3,199.1189% | 227 |
| Noncurrent assets plus other real estate owned to assets | 1.0253% | 1,529 |
| Noncurrent loans to loans | 0.0440% | 4,776 |
| Net loans and leases to total assets | 82.0798% | 657 |
| Net loans and leases to deposits | 94.8252% | 1,155 |
| Net loans and leases to core deposits | 146.1301% | 153 |
| Total domestic deposits to total assets | 86.5591% | 2,287 |
| Equity capital to assets | 12.0225% | 1,770 |
| Core capital (leverage) ratio | 11.9890% | 1,659 |
| Tier 1 risk-based capital ratio | 12.8760% | 4,020 |
| Total risk-based capital ratio | 14.1264% | 3,911 |
| Memoranda: | ||
| Average total assets | $624,506,000 | 1,180 |
| Average earning assets | $585,235,000 | 1,155 |
| Average equity | $74,462,500 | 1,104 |
| Average total loans | $515,777,500 | 1,019 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 2,900 |
| Cost of funding earning assets | 0.6636% | 1,230 |
| Net interest margin | 3.4813% | 3,588 |
| Noninterest income to average assets | 0.6375% | 2,259 |
| Noninterest expense to average assets | 2.4605% | 3,911 |
| Loan and lease loss provision to assets | -0.0820% | 5,454 |
| Net operating income to assets | 0.7700% | 3,303 |
| Return on assets (ROA) | 0.7700% | 3,342 |
| Pretax return on assets | 1.5052% | 1,624 |
| Return on Equity (ROE) | 6.3924% | 3,581 |
| Retained earnings to average equity (ytd only) | -0.4153% | 5,106 |
| Net charge-offs to loans | 0.0162% | 3,550 |
| Credit loss provision to net charge-offs | -609.7561% | 4,982 |
| Earnings coverage of net charge-offs (x) | 105.8293% | 621 |
| Efficiency ratio | 63.3546% | 3,705 |
| Assets per employee ($millions) | 8.8664% | 468 |
| Cash dividends to net income (ytd only)* | 106.4963% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 1,743 |
| Loan loss allowance to noncurrent loans | 2,958.3673% | 261 |
| Noncurrent assets plus other real estate owned to assets | 1.0119% | 1,519 |
| Noncurrent loans to loans | 0.0475% | 4,783 |
| Net loans and leases to total assets | 80.7864% | 862 |
| Net loans and leases to deposits | 92.9964% | 1,392 |
| Net loans and leases to core deposits | 135.6129% | 259 |
| Total domestic deposits to total assets | 86.8705% | 2,056 |
| Equity capital to assets | 11.8259% | 1,968 |
| Core capital (leverage) ratio | 11.9633% | 1,623 |
| Tier 1 risk-based capital ratio | 12.9235% | 3,951 |
| Total risk-based capital ratio | 14.1739% | 3,854 |
| Memoranda: | ||
| Average total assets | $609,753,600 | 1,175 |
| Average earning assets | $568,584,600 | 1,161 |
| Average equity | $73,446,200 | 1,084 |
| Average total loans | $505,597,400 | 1,016 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 2,929 |
| Cost of funding earning assets | 0.6444% | 1,279 |
| Net interest margin | 3.4722% | 3,593 |
| Noninterest income to average assets | 0.5884% | 2,545 |
| Noninterest expense to average assets | 2.4604% | 3,851 |
| Loan and lease loss provision to assets | -0.1102% | 5,596 |
| Net operating income to assets | 0.9473% | 2,794 |
| Return on assets (ROA) | 0.9473% | 2,857 |
| Pretax return on assets | 1.4739% | 1,866 |
| Return on Equity (ROE) | 7.8272% | 3,218 |
| Retained earnings to average equity (ytd only) | -1.2805% | 5,374 |
| Net charge-offs to loans | 0.0374% | 2,693 |
| Credit loss provision to net charge-offs | -354.6099% | 4,734 |
| Earnings coverage of net charge-offs (x) | 43.8712% | 1,219 |
| Efficiency ratio | 64.3397% | 3,482 |
| Assets per employee ($millions) | 8.5214% | 520 |
| Cash dividends to net income (ytd only)* | 116.3603% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,886 |
| Loan loss allowance to noncurrent loans | 2,083.7681% | 338 |
| Noncurrent assets plus other real estate owned to assets | 1.0545% | 1,595 |
| Noncurrent loans to loans | 0.0672% | 4,805 |
| Net loans and leases to total assets | 82.4618% | 607 |
| Net loans and leases to deposits | 96.5680% | 1,057 |
| Net loans and leases to core deposits | 153.6965% | 103 |
| Total domestic deposits to total assets | 85.3925% | 2,559 |
| Equity capital to assets | 12.1109% | 1,895 |
| Core capital (leverage) ratio | 11.8876% | 1,764 |
| Tier 1 risk-based capital ratio | 12.9425% | 4,050 |
| Total risk-based capital ratio | 14.1931% | 3,956 |
| Memoranda: | ||
| Average total assets | $604,813,500 | 1,194 |
| Average earning assets | $563,627,250 | 1,179 |
| Average equity | $73,196,250 | 1,097 |
| Average total loans | $503,044,250 | 1,021 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 3,124 |
| Cost of funding earning assets | 0.6077% | 1,396 |
| Net interest margin | 3.4154% | 3,717 |
| Noninterest income to average assets | 0.5835% | 2,542 |
| Noninterest expense to average assets | 2.4103% | 4,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8736% | 3,057 |
| Return on assets (ROA) | 0.8736% | 3,107 |
| Pretax return on assets | 1.3497% | 2,214 |
| Return on Equity (ROE) | 7.2199% | 3,441 |
| Retained earnings to average equity (ytd only) | -6.5114% | 5,578 |
| Net charge-offs to loans | 0.1689% | 1,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 9.6256% | 2,416 |
| Efficiency ratio | 64.1039% | 3,652 |
| Assets per employee ($millions) | 8.4827% | 511 |
| Cash dividends to net income (ytd only)* | 190.1864% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 1,758 |
| Loan loss allowance to noncurrent loans | 1,751.3002% | 375 |
| Noncurrent assets plus other real estate owned to assets | 1.2542% | 1,340 |
| Noncurrent loans to loans | 0.0828% | 4,799 |
| Net loans and leases to total assets | 82.4078% | 618 |
| Net loans and leases to deposits | 96.1113% | 1,069 |
| Net loans and leases to core deposits | 150.7751% | 118 |
| Total domestic deposits to total assets | 85.7421% | 2,505 |
| Equity capital to assets | 11.8958% | 2,007 |
| Core capital (leverage) ratio | 11.8652% | 1,715 |
| Tier 1 risk-based capital ratio | 12.6700% | 4,198 |
| Total risk-based capital ratio | 13.9210% | 4,116 |
| Memoranda: | ||
| Average total assets | $601,905,000 | 1,202 |
| Average earning assets | $559,820,000 | 1,193 |
| Average equity | $72,826,670 | 1,099 |
| Average total loans | $499,684,330 | 1,022 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9310% | 3,275 |
| Cost of funding earning assets | 0.5846% | 1,482 |
| Net interest margin | 3.3464% | 3,858 |
| Noninterest income to average assets | 0.5302% | 2,762 |
| Noninterest expense to average assets | 2.3947% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7987% | 3,226 |
| Return on assets (ROA) | 0.7987% | 3,279 |
| Pretax return on assets | 1.2432% | 2,437 |
| Return on Equity (ROE) | 6.5448% | 3,638 |
| Retained earnings to average equity (ytd only) | -20.8852% | 5,737 |
| Net charge-offs to loans | 0.4112% | 445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.6555% | 2,463 |
| Efficiency ratio | 65.8263% | 3,528 |
| Assets per employee ($millions) | 8.3840% | 525 |
| Cash dividends to net income (ytd only)* | 419.1115% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 1,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2158% | 1,442 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 81.6074% | 613 |
| Net loans and leases to deposits | 95.3688% | 978 |
| Net loans and leases to core deposits | 143.4125% | 145 |
| Total domestic deposits to total assets | 85.5703% | 2,853 |
| Equity capital to assets | 11.9421% | 1,879 |
| Core capital (leverage) ratio | 11.8201% | 1,735 |
| Tier 1 risk-based capital ratio | 12.9268% | 4,126 |
| Total risk-based capital ratio | 14.1782% | 4,019 |
| Memoranda: | ||
| Average total assets | $597,480,000 | 1,212 |
| Average earning assets | $554,864,500 | 1,196 |
| Average equity | $72,913,000 | 1,092 |
| Average total loans | $494,167,500 | 1,030 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 3,558 |
| Cost of funding earning assets | 0.5067% | 2,038 |
| Net interest margin | 3.3972% | 3,834 |
| Noninterest income to average assets | 0.7688% | 1,887 |
| Noninterest expense to average assets | 2.4621% | 4,124 |
| Loan and lease loss provision to assets | -0.0843% | 5,668 |
| Net operating income to assets | 1.0228% | 2,248 |
| Return on assets (ROA) | 1.0601% | 2,195 |
| Pretax return on assets | 1.6041% | 1,264 |
| Return on Equity (ROE) | 8.7443% | 2,544 |
| Retained earnings to average equity (ytd only) | 7.5617% | 1,017 |
| Net charge-offs to loans | 0.0514% | 3,014 |
| Credit loss provision to net charge-offs | -209.2050% | 5,014 |
| Earnings coverage of net charge-offs (x) | 36.2971% | 1,264 |
| Efficiency ratio | 62.7234% | 4,144 |
| Assets per employee ($millions) | 7.7882% | 656 |
| Cash dividends to net income (ytd only)* | 13.5243% | 3,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 1,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3012% | 1,348 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 81.2751% | 700 |
| Net loans and leases to deposits | 95.0555% | 1,086 |
| Net loans and leases to core deposits | 132.8179% | 252 |
| Total domestic deposits to total assets | 85.5028% | 2,829 |
| Equity capital to assets | 12.4629% | 1,545 |
| Core capital (leverage) ratio | 12.6662% | 1,264 |
| Tier 1 risk-based capital ratio | 13.6803% | 3,660 |
| Total risk-based capital ratio | 14.9329% | 3,565 |
| Memoranda: | ||
| Average total assets | $592,866,400 | 1,180 |
| Average earning assets | $550,865,000 | 1,169 |
| Average equity | $71,875,600 | 1,099 |
| Average total loans | $464,858,400 | 1,045 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9005% | 3,579 |
| Cost of funding earning assets | 0.5027% | 2,085 |
| Net interest margin | 3.3978% | 3,844 |
| Noninterest income to average assets | 0.6505% | 2,421 |
| Noninterest expense to average assets | 2.4491% | 4,136 |
| Loan and lease loss provision to assets | -0.1128% | 5,807 |
| Net operating income to assets | 0.9429% | 2,689 |
| Return on assets (ROA) | 0.9912% | 2,619 |
| Pretax return on assets | 1.5481% | 1,544 |
| Return on Equity (ROE) | 8.2348% | 2,885 |
| Retained earnings to average equity (ytd only) | 6.6422% | 1,823 |
| Net charge-offs to loans | 0.1076% | 1,868 |
| Credit loss provision to net charge-offs | -135.5014% | 4,794 |
| Earnings coverage of net charge-offs (x) | 16.3387% | 2,119 |
| Efficiency ratio | 64.3001% | 3,886 |
| Assets per employee ($millions) | 7.7981% | 635 |
| Cash dividends to net income (ytd only)* | 19.3403% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 1,437 |
| Loan loss allowance to noncurrent loans | 29,615.3846% | 17 |
| Noncurrent assets plus other real estate owned to assets | 1.3386% | 1,412 |
| Noncurrent loans to loans | 0.0054% | 5,398 |
| Net loans and leases to total assets | 80.3790% | 839 |
| Net loans and leases to deposits | 95.3695% | 1,114 |
| Net loans and leases to core deposits | 136.3326% | 224 |
| Total domestic deposits to total assets | 84.2816% | 3,104 |
| Equity capital to assets | 12.5598% | 1,742 |
| Core capital (leverage) ratio | 12.7133% | 1,302 |
| Tier 1 risk-based capital ratio | 13.6957% | 3,747 |
| Total risk-based capital ratio | 14.9485% | 3,662 |
| Memoranda: | ||
| Average total assets | $591,159,500 | 1,178 |
| Average earning assets | $549,521,000 | 1,171 |
| Average equity | $71,159,750 | 1,109 |
| Average total loans | $457,265,000 | 1,065 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 3,460 |
| Cost of funding earning assets | 0.4941% | 2,154 |
| Net interest margin | 3.4482% | 3,694 |
| Noninterest income to average assets | 0.5522% | 2,889 |
| Noninterest expense to average assets | 2.3855% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8724% | 2,995 |
| Return on assets (ROA) | 0.9129% | 2,932 |
| Pretax return on assets | 1.4415% | 1,872 |
| Return on Equity (ROE) | 7.6938% | 3,151 |
| Retained earnings to average equity (ytd only) | 5.2789% | 2,561 |
| Net charge-offs to loans | 0.1985% | 1,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.1454% | 2,444 |
| Efficiency ratio | 63.3823% | 4,123 |
| Assets per employee ($millions) | 8.1282% | 539 |
| Cash dividends to net income (ytd only)* | 31.3885% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8093% | 1,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4819% | 1,295 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.2856% | 1,784 |
| Net loans and leases to deposits | 86.6153% | 2,178 |
| Net loans and leases to core deposits | 121.8974% | 465 |
| Total domestic deposits to total assets | 85.7650% | 2,533 |
| Equity capital to assets | 12.0954% | 2,059 |
| Core capital (leverage) ratio | 12.5243% | 1,341 |
| Tier 1 risk-based capital ratio | 14.1086% | 3,542 |
| Total risk-based capital ratio | 15.3634% | 3,452 |
| Memoranda: | ||
| Average total assets | $593,260,330 | 1,188 |
| Average earning assets | $552,527,330 | 1,176 |
| Average equity | $70,394,000 | 1,123 |
| Average total loans | $450,419,330 | 1,080 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 4,562 |
| Cost of funding earning assets | 0.4825% | 2,250 |
| Net interest margin | 3.1390% | 4,751 |
| Noninterest income to average assets | 0.5044% | 3,089 |
| Noninterest expense to average assets | 2.3486% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6855% | 3,789 |
| Return on assets (ROA) | 0.7667% | 3,518 |
| Pretax return on assets | 1.2171% | 2,632 |
| Return on Equity (ROE) | 6.5245% | 3,715 |
| Retained earnings to average equity (ytd only) | 1.6469% | 4,615 |
| Net charge-offs to loans | -0.3865% | 5,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2941% | 3,413 |
| Assets per employee ($millions) | 8.1802% | 524 |
| Cash dividends to net income (ytd only)* | 74.7581% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0392% | 769 |
| Loan loss allowance to noncurrent loans | 416.7052% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.9902% | 2,230 |
| Noncurrent loans to loans | 0.4894% | 3,712 |
| Net loans and leases to total assets | 72.4420% | 1,959 |
| Net loans and leases to deposits | 84.0112% | 2,303 |
| Net loans and leases to core deposits | 113.2536% | 699 |
| Total domestic deposits to total assets | 86.2290% | 2,580 |
| Equity capital to assets | 11.7342% | 2,216 |
| Core capital (leverage) ratio | 12.2591% | 1,456 |
| Tier 1 risk-based capital ratio | 14.0663% | 3,645 |
| Total risk-based capital ratio | 15.3237% | 3,576 |
| Memoranda: | ||
| Average total assets | $593,210,500 | 1,193 |
| Average earning assets | $554,580,000 | 1,171 |
| Average equity | $69,706,500 | 1,129 |
| Average total loans | $451,177,500 | 1,075 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6090% | 4,649 |
| Cost of funding earning assets | 0.4620% | 2,518 |
| Net interest margin | 3.1469% | 4,785 |
| Noninterest income to average assets | 0.5643% | 2,937 |
| Noninterest expense to average assets | 2.3503% | 4,649 |
| Loan and lease loss provision to assets | -0.1774% | 5,960 |
| Net operating income to assets | 0.8707% | 3,014 |
| Return on assets (ROA) | 0.9079% | 2,907 |
| Pretax return on assets | 1.3899% | 1,940 |
| Return on Equity (ROE) | 7.6404% | 3,166 |
| Retained earnings to average equity (ytd only) | 6.5956% | 1,494 |
| Net charge-offs to loans | -0.0589% | 5,601 |
| Credit loss provision to net charge-offs | 395.2569% | 770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0410% | 3,740 |
| Assets per employee ($millions) | 7.9631% | 564 |
| Cash dividends to net income (ytd only)* | 13.6745% | 3,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8597% | 1,035 |
| Loan loss allowance to noncurrent loans | 261.6489% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 1.1925% | 1,818 |
| Noncurrent loans to loans | 0.7108% | 3,057 |
| Net loans and leases to total assets | 76.7378% | 1,296 |
| Net loans and leases to deposits | 89.0203% | 1,745 |
| Net loans and leases to core deposits | 123.5666% | 389 |
| Total domestic deposits to total assets | 86.2026% | 2,537 |
| Equity capital to assets | 11.7675% | 2,138 |
| Core capital (leverage) ratio | 12.2291% | 1,489 |
| Tier 1 risk-based capital ratio | 13.5221% | 3,992 |
| Total risk-based capital ratio | 14.7776% | 3,925 |
| Memoranda: | ||
| Average total assets | $563,851,600 | 1,214 |
| Average earning assets | $527,022,600 | 1,197 |
| Average equity | $66,999,400 | 1,133 |
| Average total loans | $429,386,800 | 1,068 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 4,750 |
| Cost of funding earning assets | 0.4604% | 2,580 |
| Net interest margin | 3.1362% | 4,861 |
| Noninterest income to average assets | 0.5639% | 2,959 |
| Noninterest expense to average assets | 2.3308% | 4,699 |
| Loan and lease loss provision to assets | -0.2392% | 6,126 |
| Net operating income to assets | 0.9067% | 2,933 |
| Return on assets (ROA) | 0.9375% | 2,868 |
| Pretax return on assets | 1.4474% | 1,839 |
| Return on Equity (ROE) | 7.8697% | 3,151 |
| Retained earnings to average equity (ytd only) | 6.4644% | 1,981 |
| Net charge-offs to loans | -0.0503% | 5,551 |
| Credit loss provision to net charge-offs | 628.9308% | 539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7534% | 3,758 |
| Assets per employee ($millions) | 7.1318% | 820 |
| Cash dividends to net income (ytd only)* | 17.8571% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9333% | 1,006 |
| Loan loss allowance to noncurrent loans | 266.7611% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 1.2456% | 1,882 |
| Noncurrent loans to loans | 0.7247% | 3,159 |
| Net loans and leases to total assets | 77.2804% | 1,209 |
| Net loans and leases to deposits | 91.4003% | 1,476 |
| Net loans and leases to core deposits | 128.6750% | 298 |
| Total domestic deposits to total assets | 84.5516% | 3,195 |
| Equity capital to assets | 12.3056% | 1,871 |
| Core capital (leverage) ratio | 12.4441% | 1,443 |
| Tier 1 risk-based capital ratio | 13.9061% | 3,902 |
| Total risk-based capital ratio | 15.1623% | 3,840 |
| Memoranda: | ||
| Average total assets | $557,497,250 | 1,228 |
| Average earning assets | $520,441,500 | 1,218 |
| Average equity | $66,413,750 | 1,145 |
| Average total loans | $421,543,250 | 1,088 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 4,785 |
| Cost of funding earning assets | 0.4578% | 2,632 |
| Net interest margin | 3.1187% | 4,919 |
| Noninterest income to average assets | 0.5811% | 2,846 |
| Noninterest expense to average assets | 2.2785% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7945% | 3,416 |
| Return on assets (ROA) | 0.8406% | 3,276 |
| Pretax return on assets | 1.2873% | 2,408 |
| Return on Equity (ROE) | 7.1348% | 3,537 |
| Retained earnings to average equity (ytd only) | 5.0050% | 2,862 |
| Net charge-offs to loans | -0.0692% | 5,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1964% | 4,151 |
| Assets per employee ($millions) | 7.6818% | 614 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2454% | 690 |
| Loan loss allowance to noncurrent loans | 135.0657% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.9447% | 1,149 |
| Noncurrent loans to loans | 1.6624% | 1,570 |
| Net loans and leases to total assets | 74.4638% | 1,588 |
| Net loans and leases to deposits | 86.6739% | 1,983 |
| Net loans and leases to core deposits | 124.3463% | 368 |
| Total domestic deposits to total assets | 85.9126% | 2,737 |
| Equity capital to assets | 12.0337% | 2,003 |
| Core capital (leverage) ratio | 12.3049% | 1,481 |
| Tier 1 risk-based capital ratio | 14.0581% | 3,891 |
| Total risk-based capital ratio | 15.3175% | 3,824 |
| Memoranda: | ||
| Average total assets | $557,904,000 | 1,235 |
| Average earning assets | $521,243,670 | 1,223 |
| Average equity | $65,734,000 | 1,166 |
| Average total loans | $415,935,000 | 1,103 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 4,756 |
| Cost of funding earning assets | 0.4564% | 2,710 |
| Net interest margin | 3.1214% | 4,877 |
| Noninterest income to average assets | 0.5304% | 3,088 |
| Noninterest expense to average assets | 2.2238% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8150% | 3,184 |
| Return on assets (ROA) | 0.8624% | 3,062 |
| Pretax return on assets | 1.2921% | 2,315 |
| Return on Equity (ROE) | 7.3971% | 3,277 |
| Retained earnings to average equity (ytd only) | 3.1107% | 4,117 |
| Net charge-offs to loans | -0.0300% | 5,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5462% | 4,389 |
| Assets per employee ($millions) | 8.3482% | 470 |
| Cash dividends to net income (ytd only)* | 57.9470% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3090% | 697 |
| Loan loss allowance to noncurrent loans | 125.8516% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.9986% | 1,186 |
| Noncurrent loans to loans | 1.8347% | 1,467 |
| Net loans and leases to total assets | 70.7011% | 2,042 |
| Net loans and leases to deposits | 82.2065% | 2,317 |
| Net loans and leases to core deposits | 119.6965% | 420 |
| Total domestic deposits to total assets | 86.0043% | 2,935 |
| Equity capital to assets | 11.7725% | 2,222 |
| Core capital (leverage) ratio | 11.9918% | 1,644 |
| Tier 1 risk-based capital ratio | 14.0833% | 3,950 |
| Total risk-based capital ratio | 15.3432% | 3,872 |
| Memoranda: | ||
| Average total assets | $560,311,500 | 1,234 |
| Average earning assets | $523,222,000 | 1,220 |
| Average equity | $65,322,500 | 1,173 |
| Average total loans | $413,247,000 | 1,110 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 4,541 |
| Cost of funding earning assets | 0.5012% | 2,666 |
| Net interest margin | 3.2818% | 4,650 |
| Noninterest income to average assets | 0.5123% | 3,405 |
| Noninterest expense to average assets | 2.3968% | 4,849 |
| Loan and lease loss provision to assets | -0.0947% | 6,137 |
| Net operating income to assets | 0.7964% | 3,391 |
| Return on assets (ROA) | 0.8015% | 3,461 |
| Pretax return on assets | 1.2701% | 2,348 |
| Return on Equity (ROE) | 6.7372% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.1460% | 2,501 |
| Net charge-offs to loans | -0.0902% | 6,089 |
| Credit loss provision to net charge-offs | 133.3333% | 1,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2456% | 4,023 |
| Assets per employee ($millions) | 8.3775% | 461 |
| Cash dividends to net income (ytd only)* | 23.6183% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2092% | 812 |
| Loan loss allowance to noncurrent loans | 245.9995% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.3431% | 2,089 |
| Noncurrent loans to loans | 0.8980% | 3,071 |
| Net loans and leases to total assets | 73.4693% | 1,674 |
| Net loans and leases to deposits | 84.8003% | 2,121 |
| Net loans and leases to core deposits | 116.1245% | 522 |
| Total domestic deposits to total assets | 86.6380% | 2,490 |
| Equity capital to assets | 11.5444% | 2,391 |
| Core capital (leverage) ratio | 11.9979% | 1,613 |
| Tier 1 risk-based capital ratio | 13.7651% | 4,259 |
| Total risk-based capital ratio | 15.0244% | 4,188 |
| Memoranda: | ||
| Average total assets | $528,235,200 | 1,272 |
| Average earning assets | $491,255,400 | 1,249 |
| Average equity | $62,845,000 | 1,164 |
| Average total loans | $415,622,000 | 1,059 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 4,466 |
| Cost of funding earning assets | 0.5079% | 2,683 |
| Net interest margin | 3.3127% | 4,559 |
| Noninterest income to average assets | 0.4787% | 3,696 |
| Noninterest expense to average assets | 2.4357% | 4,715 |
| Loan and lease loss provision to assets | -0.1282% | 6,323 |
| Net operating income to assets | 0.7827% | 3,500 |
| Return on assets (ROA) | 0.7823% | 3,613 |
| Pretax return on assets | 1.2398% | 2,613 |
| Return on Equity (ROE) | 6.5236% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.3854% | 3,531 |
| Net charge-offs to loans | -0.1410% | 6,225 |
| Credit loss provision to net charge-offs | 114.1553% | 1,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6542% | 3,739 |
| Assets per employee ($millions) | 8.2295% | 466 |
| Cash dividends to net income (ytd only)* | 32.7761% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2194% | 918 |
| Loan loss allowance to noncurrent loans | 251.9882% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 1.4062% | 2,199 |
| Noncurrent loans to loans | 0.8808% | 3,368 |
| Net loans and leases to total assets | 76.0766% | 1,214 |
| Net loans and leases to deposits | 88.1986% | 1,645 |
| Net loans and leases to core deposits | 126.3015% | 278 |
| Total domestic deposits to total assets | 86.2560% | 2,724 |
| Equity capital to assets | 11.6922% | 2,317 |
| Core capital (leverage) ratio | 12.2707% | 1,535 |
| Tier 1 risk-based capital ratio | 13.7722% | 4,373 |
| Total risk-based capital ratio | 15.0322% | 4,299 |
| Memoranda: | ||
| Average total assets | $519,970,500 | 1,302 |
| Average earning assets | $481,727,250 | 1,282 |
| Average equity | $62,356,750 | 1,181 |
| Average total loans | $414,103,750 | 1,063 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 4,350 |
| Cost of funding earning assets | 0.5164% | 2,668 |
| Net interest margin | 3.3286% | 4,474 |
| Noninterest income to average assets | 0.4389% | 3,957 |
| Noninterest expense to average assets | 2.4695% | 4,669 |
| Loan and lease loss provision to assets | -0.1952% | 6,473 |
| Net operating income to assets | 0.7825% | 3,410 |
| Return on assets (ROA) | 0.7820% | 3,514 |
| Pretax return on assets | 1.2416% | 2,496 |
| Return on Equity (ROE) | 6.4640% | 3,900 |
| Retained earnings to average equity (ytd only) | 3.2369% | 4,144 |
| Net charge-offs to loans | -0.0637% | 5,982 |
| Credit loss provision to net charge-offs | 381.6794% | 719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2232% | 3,620 |
| Assets per employee ($millions) | 7.8044% | 547 |
| Cash dividends to net income (ytd only)* | 49.9251% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1667% | 1,071 |
| Loan loss allowance to noncurrent loans | 147.2727% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.9927% | 1,612 |
| Noncurrent loans to loans | 1.4712% | 2,353 |
| Net loans and leases to total assets | 79.5271% | 738 |
| Net loans and leases to deposits | 94.7797% | 901 |
| Net loans and leases to core deposits | 137.1983% | 155 |
| Total domestic deposits to total assets | 83.9073% | 3,956 |
| Equity capital to assets | 12.1386% | 1,892 |
| Core capital (leverage) ratio | 12.3640% | 1,466 |
| Tier 1 risk-based capital ratio | 13.6998% | 4,452 |
| Total risk-based capital ratio | 14.9592% | 4,393 |
| Memoranda: | ||
| Average total assets | $512,245,000 | 1,320 |
| Average earning assets | $473,647,000 | 1,298 |
| Average equity | $61,973,670 | 1,175 |
| Average total loans | $411,276,000 | 1,060 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8030% | 4,480 |
| Cost of funding earning assets | 0.5152% | 2,756 |
| Net interest margin | 3.2879% | 4,596 |
| Noninterest income to average assets | 0.4275% | 3,967 |
| Noninterest expense to average assets | 2.4408% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6549% | 3,924 |
| Return on assets (ROA) | 0.6538% | 4,027 |
| Pretax return on assets | 1.0336% | 3,197 |
| Return on Equity (ROE) | 5.4135% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.4135% | 2,847 |
| Net charge-offs to loans | 0.1580% | 1,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.2112% | 2,048 |
| Efficiency ratio | 70.2185% | 3,798 |
| Assets per employee ($millions) | 7.6167% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3038% | 1,023 |
| Loan loss allowance to noncurrent loans | 118.3221% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 2.3599% | 1,375 |
| Noncurrent loans to loans | 1.9471% | 1,935 |
| Net loans and leases to total assets | 78.2837% | 737 |
| Net loans and leases to deposits | 91.2411% | 1,015 |
| Net loans and leases to core deposits | 128.3737% | 203 |
| Total domestic deposits to total assets | 85.7987% | 3,469 |
| Equity capital to assets | 12.3650% | 1,651 |
| Core capital (leverage) ratio | 12.3631% | 1,445 |
| Tier 1 risk-based capital ratio | 14.0179% | 4,325 |
| Total risk-based capital ratio | 15.2784% | 4,253 |
| Memoranda: | ||
| Average total assets | $510,822,000 | 1,323 |
| Average earning assets | $473,622,000 | 1,305 |
| Average equity | $61,698,000 | 1,174 |
| Average total loans | $407,559,500 | 1,073 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 4,018 |
| Cost of funding earning assets | 0.5626% | 2,997 |
| Net interest margin | 3.4575% | 4,065 |
| Noninterest income to average assets | 0.5290% | 3,559 |
| Noninterest expense to average assets | 2.5360% | 4,656 |
| Loan and lease loss provision to assets | -0.1930% | 6,593 |
| Net operating income to assets | 0.8409% | 3,085 |
| Return on assets (ROA) | 0.8409% | 3,162 |
| Pretax return on assets | 1.3659% | 1,912 |
| Return on Equity (ROE) | 7.8682% | 3,105 |
| Retained earnings to average equity (ytd only) | -2.0641% | 6,183 |
| Net charge-offs to loans | -0.1804% | 6,600 |
| Credit loss provision to net charge-offs | 136.6120% | 1,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3770% | 4,129 |
| Assets per employee ($millions) | 7.6315% | 565 |
| Cash dividends to net income (ytd only)* | 126.2336% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2898% | 1,049 |
| Loan loss allowance to noncurrent loans | 104.2859% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 2.8036% | 1,166 |
| Noncurrent loans to loans | 2.1957% | 1,781 |
| Net loans and leases to total assets | 77.6319% | 869 |
| Net loans and leases to deposits | 91.3667% | 1,127 |
| Net loans and leases to core deposits | 123.3829% | 282 |
| Total domestic deposits to total assets | 84.9674% | 3,766 |
| Equity capital to assets | 11.8003% | 1,950 |
| Core capital (leverage) ratio | 12.0198% | 1,593 |
| Tier 1 risk-based capital ratio | 13.5531% | 4,611 |
| Total risk-based capital ratio | 14.8137% | 4,552 |
| Memoranda: | ||
| Average total assets | $518,133,400 | 1,280 |
| Average earning assets | $476,530,200 | 1,280 |
| Average equity | $55,375,000 | 1,288 |
| Average total loans | $405,712,600 | 1,050 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 3,993 |
| Cost of funding earning assets | 0.5729% | 3,063 |
| Net interest margin | 3.4639% | 4,040 |
| Noninterest income to average assets | 0.5321% | 3,576 |
| Noninterest expense to average assets | 2.6052% | 4,376 |
| Loan and lease loss provision to assets | -0.2574% | 6,755 |
| Net operating income to assets | 0.8395% | 3,144 |
| Return on assets (ROA) | 0.8395% | 3,275 |
| Pretax return on assets | 1.3613% | 2,070 |
| Return on Equity (ROE) | 8.0652% | 3,088 |
| Retained earnings to average equity (ytd only) | -5.5375% | 6,515 |
| Net charge-offs to loans | 0.0356% | 4,427 |
| Credit loss provision to net charge-offs | -925.9259% | 6,174 |
| Earnings coverage of net charge-offs (x) | 39.7027% | 1,008 |
| Efficiency ratio | 70.2388% | 3,718 |
| Assets per employee ($millions) | 7.7067% | 531 |
| Cash dividends to net income (ytd only)* | 168.6600% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0814% | 1,545 |
| Loan loss allowance to noncurrent loans | 101.7990% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 2.7693% | 1,356 |
| Noncurrent loans to loans | 2.0446% | 2,199 |
| Net loans and leases to total assets | 78.3652% | 713 |
| Net loans and leases to deposits | 91.0846% | 1,055 |
| Net loans and leases to core deposits | 132.8827% | 156 |
| Total domestic deposits to total assets | 86.0356% | 3,233 |
| Equity capital to assets | 10.3039% | 3,505 |
| Core capital (leverage) ratio | 10.2615% | 3,302 |
| Tier 1 risk-based capital ratio | 11.6709% | 5,969 |
| Total risk-based capital ratio | 12.9292% | 5,920 |
| Memoranda: | ||
| Average total assets | $517,930,750 | 1,290 |
| Average earning assets | $475,023,250 | 1,293 |
| Average equity | $53,909,500 | 1,328 |
| Average total loans | $404,064,000 | 1,058 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 4,084 |
| Cost of funding earning assets | 0.5750% | 3,170 |
| Net interest margin | 3.4310% | 4,069 |
| Noninterest income to average assets | 0.6770% | 2,757 |
| Noninterest expense to average assets | 2.5410% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7958% | 3,314 |
| Return on assets (ROA) | 0.7958% | 3,472 |
| Pretax return on assets | 1.2826% | 2,362 |
| Return on Equity (ROE) | 7.6203% | 3,279 |
| Retained earnings to average equity (ytd only) | -12.6956% | 6,724 |
| Net charge-offs to loans | -0.2918% | 6,748 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4548% | 4,462 |
| Assets per employee ($millions) | 7.8488% | 488 |
| Cash dividends to net income (ytd only)* | 266.6020% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4584% | 1,029 |
| Loan loss allowance to noncurrent loans | 113.3825% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 2.8880% | 1,421 |
| Noncurrent loans to loans | 2.1682% | 2,215 |
| Net loans and leases to total assets | 76.5252% | 922 |
| Net loans and leases to deposits | 91.0025% | 1,052 |
| Net loans and leases to core deposits | 124.9517% | 239 |
| Total domestic deposits to total assets | 84.0913% | 4,279 |
| Equity capital to assets | 9.7277% | 4,261 |
| Core capital (leverage) ratio | 10.2206% | 3,198 |
| Tier 1 risk-based capital ratio | 11.2589% | 6,221 |
| Total risk-based capital ratio | 12.5215% | 6,181 |
| Memoranda: | ||
| Average total assets | $518,458,330 | 1,292 |
| Average earning assets | $475,490,000 | 1,293 |
| Average equity | $54,144,670 | 1,329 |
| Average total loans | $401,006,000 | 1,064 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 3,899 |
| Cost of funding earning assets | 0.5891% | 3,215 |
| Net interest margin | 3.4667% | 3,832 |
| Noninterest income to average assets | 0.5967% | 3,159 |
| Noninterest expense to average assets | 2.4956% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8167% | 3,068 |
| Return on assets (ROA) | 0.8167% | 3,209 |
| Pretax return on assets | 1.2944% | 2,250 |
| Return on Equity (ROE) | 7.5501% | 3,193 |
| Retained earnings to average equity (ytd only) | -10.5470% | 6,636 |
| Net charge-offs to loans | -0.5855% | 6,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8471% | 4,692 |
| Assets per employee ($millions) | 7.3701% | 641 |
| Cash dividends to net income (ytd only)* | 239.6932% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6064% | 1,004 |
| Loan loss allowance to noncurrent loans | 218.4619% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 2.0732% | 2,262 |
| Noncurrent loans to loans | 1.1931% | 3,778 |
| Net loans and leases to total assets | 75.5596% | 895 |
| Net loans and leases to deposits | 86.2905% | 1,319 |
| Net loans and leases to core deposits | 111.0899% | 462 |
| Total domestic deposits to total assets | 87.5642% | 2,594 |
| Equity capital to assets | 10.7126% | 3,306 |
| Core capital (leverage) ratio | 11.0050% | 2,262 |
| Tier 1 risk-based capital ratio | 12.2801% | 5,734 |
| Total risk-based capital ratio | 13.5438% | 5,677 |
| Memoranda: | ||
| Average total assets | $510,827,000 | 1,318 |
| Average earning assets | $470,534,500 | 1,312 |
| Average equity | $55,257,500 | 1,319 |
| Average total loans | $392,146,500 | 1,088 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 3,561 |
| Cost of funding earning assets | 0.8126% | 2,565 |
| Net interest margin | 3.6488% | 3,884 |
| Noninterest income to average assets | 0.7799% | 2,347 |
| Noninterest expense to average assets | 2.6674% | 4,518 |
| Loan and lease loss provision to assets | 0.3811% | 1,716 |
| Net operating income to assets | 0.7254% | 3,619 |
| Return on assets (ROA) | 0.8058% | 3,511 |
| Pretax return on assets | 1.2099% | 2,769 |
| Return on Equity (ROE) | 7.1030% | 3,585 |
| Retained earnings to average equity (ytd only) | -3.5064% | 6,307 |
| Net charge-offs to loans | 0.3972% | 2,667 |
| Credit loss provision to net charge-offs | 127.0053% | 2,222 |
| Earnings coverage of net charge-offs (x) | 4.9024% | 3,212 |
| Efficiency ratio | 64.4533% | 4,804 |
| Assets per employee ($millions) | 7.1266% | 733 |
| Cash dividends to net income (ytd only)* | 149.3652% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4910% | 1,137 |
| Loan loss allowance to noncurrent loans | 209.1555% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 2.0450% | 2,398 |
| Noncurrent loans to loans | 1.1910% | 3,867 |
| Net loans and leases to total assets | 74.0674% | 1,190 |
| Net loans and leases to deposits | 85.7251% | 1,547 |
| Net loans and leases to core deposits | 106.8393% | 656 |
| Total domestic deposits to total assets | 86.4011% | 3,153 |
| Equity capital to assets | 10.9209% | 3,045 |
| Core capital (leverage) ratio | 11.5306% | 1,857 |
| Tier 1 risk-based capital ratio | 13.1312% | 5,016 |
| Total risk-based capital ratio | 14.3944% | 4,950 |
| Memoranda: | ||
| Average total assets | $498,538,000 | 1,339 |
| Average earning assets | $458,893,400 | 1,329 |
| Average equity | $56,553,400 | 1,260 |
| Average total loans | $376,642,400 | 1,108 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 3,339 |
| Cost of funding earning assets | 0.8479% | 2,558 |
| Net interest margin | 3.7211% | 3,697 |
| Noninterest income to average assets | 0.7667% | 2,398 |
| Noninterest expense to average assets | 2.5459% | 4,936 |
| Loan and lease loss provision to assets | 0.5119% | 1,189 |
| Net operating income to assets | 0.7731% | 3,586 |
| Return on assets (ROA) | 0.7735% | 3,837 |
| Pretax return on assets | 1.1348% | 3,208 |
| Return on Equity (ROE) | 6.7532% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.7532% | 2,248 |
| Net charge-offs to loans | 0.5296% | 2,023 |
| Credit loss provision to net charge-offs | 128.1187% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.1200% | 3,396 |
| Efficiency ratio | 60.7326% | 5,368 |
| Assets per employee ($millions) | 6.7832% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6440% | 1,042 |
| Loan loss allowance to noncurrent loans | 205.9309% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 2.2053% | 2,429 |
| Noncurrent loans to loans | 1.2839% | 3,897 |
| Net loans and leases to total assets | 74.3289% | 1,198 |
| Net loans and leases to deposits | 90.0749% | 1,139 |
| Net loans and leases to core deposits | 115.7436% | 393 |
| Total domestic deposits to total assets | 82.5190% | 4,828 |
| Equity capital to assets | 11.4977% | 2,745 |
| Core capital (leverage) ratio | 11.3769% | 2,072 |
| Tier 1 risk-based capital ratio | 13.4262% | 4,929 |
| Total risk-based capital ratio | 14.6906% | 4,879 |
| Memoranda: | ||
| Average total assets | $494,893,750 | 1,364 |
| Average earning assets | $455,551,000 | 1,357 |
| Average equity | $56,682,500 | 1,258 |
| Average total loans | $373,363,000 | 1,132 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 3,129 |
| Cost of funding earning assets | 0.8636% | 2,698 |
| Net interest margin | 3.7896% | 3,412 |
| Noninterest income to average assets | 0.6605% | 2,890 |
| Noninterest expense to average assets | 2.4645% | 5,248 |
| Loan and lease loss provision to assets | 0.6609% | 860 |
| Net operating income to assets | 0.7148% | 3,785 |
| Return on assets (ROA) | 0.7154% | 4,051 |
| Pretax return on assets | 1.0354% | 3,579 |
| Return on Equity (ROE) | 6.2536% | 4,183 |
| Retained earnings to average equity (ytd only) | 6.2536% | 2,534 |
| Net charge-offs to loans | 0.5165% | 2,039 |
| Credit loss provision to net charge-offs | 170.2786% | 1,645 |
| Earnings coverage of net charge-offs (x) | 4.3684% | 3,110 |
| Efficiency ratio | 59.2432% | 5,703 |
| Assets per employee ($millions) | 7.1040% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7016% | 1,032 |
| Loan loss allowance to noncurrent loans | 73.9430% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 3.6452% | 1,444 |
| Noncurrent loans to loans | 3.6537% | 1,562 |
| Net loans and leases to total assets | 74.4494% | 1,184 |
| Net loans and leases to deposits | 89.7963% | 1,166 |
| Net loans and leases to core deposits | 113.5738% | 466 |
| Total domestic deposits to total assets | 82.9092% | 4,787 |
| Equity capital to assets | 11.2145% | 2,877 |
| Core capital (leverage) ratio | 11.1528% | 2,164 |
| Tier 1 risk-based capital ratio | 13.2278% | 5,016 |
| Total risk-based capital ratio | 14.4930% | 4,977 |
| Memoranda: | ||
| Average total assets | $499,322,330 | 1,355 |
| Average earning assets | $461,099,670 | 1,341 |
| Average equity | $57,118,670 | 1,250 |
| Average total loans | $375,252,000 | 1,125 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 4,122 |
| Cost of funding earning assets | 0.9004% | 2,689 |
| Net interest margin | 3.5483% | 4,493 |
| Noninterest income to average assets | 0.6062% | 3,191 |
| Noninterest expense to average assets | 2.3135% | 5,736 |
| Loan and lease loss provision to assets | 0.8277% | 581 |
| Net operating income to assets | 0.5210% | 4,731 |
| Return on assets (ROA) | 0.5210% | 4,940 |
| Pretax return on assets | 0.7299% | 4,692 |
| Return on Equity (ROE) | 4.5126% | 5,037 |
| Retained earnings to average equity (ytd only) | 4.5126% | 3,876 |
| Net charge-offs to loans | -0.3904% | 7,113 |
| Credit loss provision to net charge-offs | -284.5528% | 5,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7638% | 5,654 |
| Assets per employee ($millions) | 7.3667% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8601% | 949 |
| Loan loss allowance to noncurrent loans | 84.2155% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 3.3771% | 1,707 |
| Noncurrent loans to loans | 3.3962% | 1,856 |
| Net loans and leases to total assets | 72.7082% | 1,272 |
| Net loans and leases to deposits | 87.8397% | 1,187 |
| Net loans and leases to core deposits | 108.9216% | 574 |
| Total domestic deposits to total assets | 82.7737% | 5,019 |
| Equity capital to assets | 11.7689% | 2,205 |
| Core capital (leverage) ratio | 11.8705% | 1,663 |
| Tier 1 risk-based capital ratio | 14.0041% | 4,474 |
| Total risk-based capital ratio | 15.2707% | 4,421 |
| Memoranda: | ||
| Average total assets | $507,447,500 | 1,341 |
| Average earning assets | $466,929,000 | 1,332 |
| Average equity | $58,591,000 | 1,213 |
| Average total loans | $378,063,000 | 1,118 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 3,634 |
| Cost of funding earning assets | 1.0167% | 3,260 |
| Net interest margin | 3.8217% | 3,714 |
| Noninterest income to average assets | 0.6028% | 3,149 |
| Noninterest expense to average assets | 2.3501% | 5,910 |
| Loan and lease loss provision to assets | 0.8803% | 1,100 |
| Net operating income to assets | 0.6309% | 3,824 |
| Return on assets (ROA) | 0.6523% | 3,925 |
| Pretax return on assets | 0.9640% | 3,378 |
| Return on Equity (ROE) | 6.0920% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.0920% | 1,966 |
| Net charge-offs to loans | 1.1459% | 1,485 |
| Credit loss provision to net charge-offs | 101.5317% | 3,419 |
| Earnings coverage of net charge-offs (x) | 2.0908% | 4,208 |
| Efficiency ratio | 56.4534% | 6,256 |
| Assets per employee ($millions) | 7.3422% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4411% | 1,393 |
| Loan loss allowance to noncurrent loans | 92.9756% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 2.7611% | 2,201 |
| Noncurrent loans to loans | 2.6255% | 2,483 |
| Net loans and leases to total assets | 72.3551% | 1,582 |
| Net loans and leases to deposits | 86.6540% | 1,583 |
| Net loans and leases to core deposits | 107.8552% | 706 |
| Total domestic deposits to total assets | 83.4988% | 4,541 |
| Equity capital to assets | 11.3292% | 2,662 |
| Core capital (leverage) ratio | 11.7291% | 1,749 |
| Tier 1 risk-based capital ratio | 13.5987% | 4,622 |
| Total risk-based capital ratio | 14.8607% | 4,584 |
| Memoranda: | ||
| Average total assets | $527,078,800 | 1,271 |
| Average earning assets | $491,010,200 | 1,238 |
| Average equity | $56,435,000 | 1,204 |
| Average total loans | $398,819,600 | 1,068 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8408% | 3,831 |
| Cost of funding earning assets | 1.0463% | 3,342 |
| Net interest margin | 3.7944% | 3,901 |
| Noninterest income to average assets | 0.5536% | 3,492 |
| Noninterest expense to average assets | 2.3201% | 5,978 |
| Loan and lease loss provision to assets | 0.9591% | 918 |
| Net operating income to assets | 0.5434% | 4,347 |
| Return on assets (ROA) | 0.5677% | 4,405 |
| Pretax return on assets | 0.8565% | 3,925 |
| Return on Equity (ROE) | 5.3773% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.3773% | 2,927 |
| Net charge-offs to loans | 1.2360% | 1,254 |
| Credit loss provision to net charge-offs | 102.0599% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.8930% | 4,246 |
| Efficiency ratio | 56.6023% | 6,194 |
| Assets per employee ($millions) | 7.2304% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3566% | 1,610 |
| Loan loss allowance to noncurrent loans | 73.9282% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 3.3632% | 1,890 |
| Noncurrent loans to loans | 3.1877% | 2,180 |
| Net loans and leases to total assets | 77.3375% | 795 |
| Net loans and leases to deposits | 92.8961% | 924 |
| Net loans and leases to core deposits | 116.7949% | 476 |
| Total domestic deposits to total assets | 83.2516% | 4,586 |
| Equity capital to assets | 11.4557% | 2,725 |
| Core capital (leverage) ratio | 11.4936% | 2,031 |
| Tier 1 risk-based capital ratio | 12.9971% | 5,101 |
| Total risk-based capital ratio | 14.2585% | 5,060 |
| Memoranda: | ||
| Average total assets | $530,359,250 | 1,263 |
| Average earning assets | $495,558,000 | 1,227 |
| Average equity | $55,987,000 | 1,213 |
| Average total loans | $403,229,750 | 1,063 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7794% | 4,175 |
| Cost of funding earning assets | 1.0658% | 3,503 |
| Net interest margin | 3.7135% | 4,199 |
| Noninterest income to average assets | 0.4915% | 3,935 |
| Noninterest expense to average assets | 2.3068% | 6,105 |
| Loan and lease loss provision to assets | 0.7914% | 1,167 |
| Net operating income to assets | 0.6009% | 4,061 |
| Return on assets (ROA) | 0.6246% | 4,067 |
| Pretax return on assets | 0.9171% | 3,554 |
| Return on Equity (ROE) | 6.0757% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.0757% | 2,377 |
| Net charge-offs to loans | 0.2818% | 3,472 |
| Credit loss provision to net charge-offs | 374.1259% | 817 |
| Earnings coverage of net charge-offs (x) | 7.9126% | 2,144 |
| Efficiency ratio | 57.9524% | 6,170 |
| Assets per employee ($millions) | 7.2528% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7492% | 1,128 |
| Loan loss allowance to noncurrent loans | 71.9050% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 3.8084% | 1,702 |
| Noncurrent loans to loans | 3.8234% | 1,820 |
| Net loans and leases to total assets | 75.2708% | 1,188 |
| Net loans and leases to deposits | 91.6532% | 1,097 |
| Net loans and leases to core deposits | 119.7548% | 426 |
| Total domestic deposits to total assets | 82.1257% | 5,124 |
| Equity capital to assets | 11.1468% | 2,817 |
| Core capital (leverage) ratio | 10.8687% | 2,358 |
| Tier 1 risk-based capital ratio | 13.0346% | 4,888 |
| Total risk-based capital ratio | 14.3005% | 4,859 |
| Memoranda: | ||
| Average total assets | $540,847,330 | 1,236 |
| Average earning assets | $508,141,330 | 1,199 |
| Average equity | $55,598,670 | 1,207 |
| Average total loans | $405,924,670 | 1,061 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 4,679 |
| Cost of funding earning assets | 1.0954% | 3,556 |
| Net interest margin | 3.5684% | 4,730 |
| Noninterest income to average assets | 0.4729% | 4,096 |
| Noninterest expense to average assets | 2.2740% | 6,251 |
| Loan and lease loss provision to assets | 0.7104% | 1,194 |
| Net operating income to assets | 0.5712% | 4,172 |
| Return on assets (ROA) | 0.5712% | 4,249 |
| Pretax return on assets | 0.8546% | 3,685 |
| Return on Equity (ROE) | 5.7784% | 4,029 |
| Retained earnings to average equity (ytd only) | 5.7784% | 2,763 |
| Net charge-offs to loans | 1.3142% | 1,049 |
| Credit loss provision to net charge-offs | 73.0627% | 3,298 |
| Earnings coverage of net charge-offs (x) | 1.6096% | 3,508 |
| Efficiency ratio | 59.2336% | 6,093 |
| Assets per employee ($millions) | 7.6348% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1540% | 2,069 |
| Loan loss allowance to noncurrent loans | 63.1290% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 3.4202% | 1,992 |
| Noncurrent loans to loans | 3.4120% | 2,199 |
| Net loans and leases to total assets | 73.2913% | 1,460 |
| Net loans and leases to deposits | 87.5627% | 1,508 |
| Net loans and leases to core deposits | 109.1312% | 778 |
| Total domestic deposits to total assets | 83.7015% | 4,621 |
| Equity capital to assets | 10.1026% | 3,646 |
| Core capital (leverage) ratio | 10.2297% | 2,896 |
| Tier 1 risk-based capital ratio | 11.9869% | 5,704 |
| Total risk-based capital ratio | 13.2457% | 5,682 |
| Memoranda: | ||
| Average total assets | $557,423,500 | 1,209 |
| Average earning assets | $525,838,000 | 1,164 |
| Average equity | $55,102,000 | 1,201 |
| Average total loans | $412,412,500 | 1,052 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 4,898 |
| Cost of funding earning assets | 1.4482% | 2,962 |
| Net interest margin | 3.4777% | 5,331 |
| Noninterest income to average assets | 0.5642% | 3,713 |
| Noninterest expense to average assets | 2.0945% | 6,861 |
| Loan and lease loss provision to assets | 2.7930% | 367 |
| Net operating income to assets | -0.6520% | 6,485 |
| Return on assets (ROA) | -0.6153% | 6,491 |
| Pretax return on assets | -0.9819% | 6,632 |
| Return on Equity (ROE) | -5.9747% | 6,497 |
| Retained earnings to average equity (ytd only) | -12.8185% | 6,788 |
| Net charge-offs to loans | 3.8841% | 337 |
| Credit loss provision to net charge-offs | 95.7473% | 4,856 |
| Earnings coverage of net charge-offs (x) | 0.6012% | 5,502 |
| Efficiency ratio | 54.4256% | 6,763 |
| Assets per employee ($millions) | 7.7417% | 535 |
| Cash dividends to net income (ytd only)* | -114.5475% | 7,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2357% | 1,807 |
| Loan loss allowance to noncurrent loans | 59.6191% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 3.5336% | 1,956 |
| Noncurrent loans to loans | 3.7500% | 1,976 |
| Net loans and leases to total assets | 71.4572% | 2,207 |
| Net loans and leases to deposits | 84.8254% | 2,318 |
| Net loans and leases to core deposits | 106.9297% | 1,131 |
| Total domestic deposits to total assets | 84.2403% | 4,253 |
| Equity capital to assets | 9.6736% | 4,178 |
| Core capital (leverage) ratio | 9.4322% | 3,799 |
| Tier 1 risk-based capital ratio | 12.1267% | 5,355 |
| Total risk-based capital ratio | 13.3869% | 5,329 |
| Memoranda: | ||
| Average total assets | $567,491,000 | 1,184 |
| Average earning assets | $535,901,000 | 1,138 |
| Average equity | $58,446,800 | 1,139 |
| Average total loans | $426,197,200 | 1,046 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9904% | 4,866 |
| Cost of funding earning assets | 1.4901% | 3,039 |
| Net interest margin | 3.5003% | 5,289 |
| Noninterest income to average assets | 0.5567% | 3,735 |
| Noninterest expense to average assets | 2.0389% | 6,980 |
| Loan and lease loss provision to assets | 2.2942% | 484 |
| Net operating income to assets | -0.3035% | 6,428 |
| Return on assets (ROA) | -0.2547% | 6,434 |
| Pretax return on assets | -0.3988% | 6,490 |
| Return on Equity (ROE) | -2.4358% | 6,446 |
| Retained earnings to average equity (ytd only) | -11.4156% | 6,942 |
| Net charge-offs to loans | 3.1672% | 467 |
| Credit loss provision to net charge-offs | 95.8145% | 4,522 |
| Earnings coverage of net charge-offs (x) | 0.7598% | 5,304 |
| Efficiency ratio | 52.8471% | 6,901 |
| Assets per employee ($millions) | 8.0296% | 502 |
| Cash dividends to net income (ytd only)* | -368.6637% | 7,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2528% | 1,696 |
| Loan loss allowance to noncurrent loans | 177.9940% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 1.6253% | 4,008 |
| Noncurrent loans to loans | 1.2656% | 4,739 |
| Net loans and leases to total assets | 70.4116% | 2,636 |
| Net loans and leases to deposits | 83.4413% | 2,797 |
| Net loans and leases to core deposits | 107.9742% | 1,163 |
| Total domestic deposits to total assets | 84.3846% | 3,923 |
| Equity capital to assets | 9.7747% | 4,450 |
| Core capital (leverage) ratio | 10.2891% | 2,934 |
| Tier 1 risk-based capital ratio | 12.4304% | 5,052 |
| Total risk-based capital ratio | 13.6910% | 5,007 |
| Memoranda: | ||
| Average total assets | $568,077,500 | 1,194 |
| Average earning assets | $535,783,500 | 1,151 |
| Average equity | $59,391,000 | 1,123 |
| Average total loans | $429,478,500 | 1,048 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0948% | 4,490 |
| Cost of funding earning assets | 1.5461% | 2,981 |
| Net interest margin | 3.5487% | 5,053 |
| Noninterest income to average assets | 0.4195% | 4,759 |
| Noninterest expense to average assets | 2.0304% | 7,055 |
| Loan and lease loss provision to assets | 1.5657% | 838 |
| Net operating income to assets | 0.1091% | 5,841 |
| Return on assets (ROA) | 0.1854% | 5,734 |
| Pretax return on assets | 0.2829% | 5,552 |
| Return on Equity (ROE) | 1.7341% | 5,717 |
| Retained earnings to average equity (ytd only) | -11.5794% | 6,981 |
| Net charge-offs to loans | 1.7694% | 1,051 |
| Credit loss provision to net charge-offs | 115.1531% | 3,530 |
| Earnings coverage of net charge-offs (x) | 1.2745% | 4,549 |
| Efficiency ratio | 53.9523% | 6,885 |
| Assets per employee ($millions) | 7.2924% | 669 |
| Cash dividends to net income (ytd only)* | 767.7543% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4629% | 1,349 |
| Loan loss allowance to noncurrent loans | 59.7682% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 3.2611% | 2,162 |
| Noncurrent loans to loans | 4.1208% | 1,817 |
| Net loans and leases to total assets | 77.1881% | 1,258 |
| Net loans and leases to deposits | 93.3278% | 1,363 |
| Net loans and leases to core deposits | 126.0124% | 512 |
| Total domestic deposits to total assets | 82.7065% | 4,691 |
| Equity capital to assets | 10.8988% | 2,968 |
| Core capital (leverage) ratio | 10.8098% | 2,393 |
| Tier 1 risk-based capital ratio | 13.0025% | 4,443 |
| Total risk-based capital ratio | 14.2665% | 4,376 |
| Memoranda: | ||
| Average total assets | $562,050,330 | 1,207 |
| Average earning assets | $529,601,000 | 1,164 |
| Average equity | $60,089,670 | 1,103 |
| Average total loans | $431,892,670 | 1,054 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1975% | 4,033 |
| Cost of funding earning assets | 1.6127% | 2,880 |
| Net interest margin | 3.5848% | 4,794 |
| Noninterest income to average assets | 0.4494% | 4,472 |
| Noninterest expense to average assets | 2.0124% | 7,137 |
| Loan and lease loss provision to assets | 0.5233% | 2,405 |
| Net operating income to assets | 0.7937% | 2,996 |
| Return on assets (ROA) | 0.8017% | 3,056 |
| Pretax return on assets | 1.2888% | 2,077 |
| Return on Equity (ROE) | 7.5682% | 3,083 |
| Retained earnings to average equity (ytd only) | -18.7790% | 7,340 |
| Net charge-offs to loans | 2.2620% | 751 |
| Credit loss provision to net charge-offs | 30.5375% | 4,803 |
| Earnings coverage of net charge-offs (x) | 1.0501% | 4,136 |
| Efficiency ratio | 52.7915% | 7,076 |
| Assets per employee ($millions) | 8.6656% | 395 |
| Cash dividends to net income (ytd only)* | 348.1288% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 2,413 |
| Loan loss allowance to noncurrent loans | 92.1433% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 1.5623% | 4,162 |
| Noncurrent loans to loans | 2.0723% | 3,688 |
| Net loans and leases to total assets | 73.9475% | 1,984 |
| Net loans and leases to deposits | 88.7678% | 2,084 |
| Net loans and leases to core deposits | 121.4225% | 729 |
| Total domestic deposits to total assets | 83.3044% | 4,472 |
| Equity capital to assets | 10.3981% | 3,343 |
| Core capital (leverage) ratio | 10.4957% | 2,627 |
| Tier 1 risk-based capital ratio | 12.7805% | 4,503 |
| Total risk-based capital ratio | 14.0375% | 4,458 |
| Memoranda: | ||
| Average total assets | $573,258,000 | 1,216 |
| Average earning assets | $537,718,000 | 1,175 |
| Average equity | $60,727,500 | 1,098 |
| Average total loans | $434,313,000 | 1,075 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5746% | 3,732 |
| Cost of funding earning assets | 2.0339% | 2,801 |
| Net interest margin | 3.5407% | 4,774 |
| Noninterest income to average assets | 0.4102% | 5,121 |
| Noninterest expense to average assets | 2.0405% | 7,297 |
| Loan and lease loss provision to assets | 0.8229% | 2,667 |
| Net operating income to assets | 0.5415% | 3,567 |
| Return on assets (ROA) | 0.5415% | 3,651 |
| Pretax return on assets | 0.8234% | 3,175 |
| Return on Equity (ROE) | 5.3766% | 3,485 |
| Retained earnings to average equity (ytd only) | 5.3766% | 1,635 |
| Net charge-offs to loans | 1.5335% | 1,633 |
| Credit loss provision to net charge-offs | 64.4438% | 6,573 |
| Earnings coverage of net charge-offs (x) | 1.2893% | 4,838 |
| Efficiency ratio | 55.3469% | 7,089 |
| Assets per employee ($millions) | 8.8398% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2720% | 1,529 |
| Loan loss allowance to noncurrent loans | 123.2362% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.4609% | 4,215 |
| Noncurrent loans to loans | 1.8436% | 3,871 |
| Net loans and leases to total assets | 74.4059% | 2,166 |
| Net loans and leases to deposits | 89.6520% | 2,271 |
| Net loans and leases to core deposits | 112.3127% | 2,668 |
| Total domestic deposits to total assets | 82.9942% | 4,524 |
| Equity capital to assets | 10.7878% | 2,882 |
| Core capital (leverage) ratio | 10.5143% | 2,591 |
| Tier 1 risk-based capital ratio | 13.0831% | 4,089 |
| Total risk-based capital ratio | 14.3440% | 4,031 |
| Memoranda: | ||
| Average total assets | $559,024,000 | 1,243 |
| Average earning assets | $517,327,000 | 1,223 |
| Average equity | $56,299,400 | 1,168 |
| Average total loans | $465,482,400 | 1,034 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6502% | 3,575 |
| Cost of funding earning assets | 2.0871% | 2,946 |
| Net interest margin | 3.5632% | 4,620 |
| Noninterest income to average assets | 0.4155% | 5,169 |
| Noninterest expense to average assets | 2.0290% | 7,330 |
| Loan and lease loss provision to assets | 0.7926% | 2,384 |
| Net operating income to assets | 0.5498% | 3,797 |
| Return on assets (ROA) | 0.5498% | 3,880 |
| Pretax return on assets | 0.8915% | 3,256 |
| Return on Equity (ROE) | 5.5613% | 3,711 |
| Retained earnings to average equity (ytd only) | 5.5613% | 2,170 |
| Net charge-offs to loans | 1.8571% | 1,085 |
| Credit loss provision to net charge-offs | 50.1444% | 6,301 |
| Earnings coverage of net charge-offs (x) | 1.0655% | 4,991 |
| Efficiency ratio | 54.6442% | 7,166 |
| Assets per employee ($millions) | 8.4696% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0862% | 1,623 |
| Loan loss allowance to noncurrent loans | 107.8583% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.5287% | 4,074 |
| Noncurrent loans to loans | 1.9342% | 3,727 |
| Net loans and leases to total assets | 74.9405% | 2,258 |
| Net loans and leases to deposits | 91.0565% | 2,384 |
| Net loans and leases to core deposits | 118.1308% | 2,400 |
| Total domestic deposits to total assets | 82.3011% | 4,540 |
| Equity capital to assets | 10.6532% | 3,340 |
| Core capital (leverage) ratio | 11.0699% | 2,357 |
| Tier 1 risk-based capital ratio | 13.0097% | 4,183 |
| Total risk-based capital ratio | 14.2689% | 4,112 |
| Memoranda: | ||
| Average total assets | $555,133,500 | 1,259 |
| Average earning assets | $513,758,500 | 1,242 |
| Average equity | $54,878,000 | 1,217 |
| Average total loans | $472,486,750 | 1,034 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7314% | 3,384 |
| Cost of funding earning assets | 2.1872% | 2,854 |
| Net interest margin | 3.5442% | 4,596 |
| Noninterest income to average assets | 0.4309% | 5,018 |
| Noninterest expense to average assets | 2.0978% | 7,281 |
| Loan and lease loss provision to assets | 0.7661% | 2,157 |
| Net operating income to assets | 0.5246% | 4,002 |
| Return on assets (ROA) | 0.5246% | 4,114 |
| Pretax return on assets | 0.8504% | 3,509 |
| Return on Equity (ROE) | 5.4553% | 3,883 |
| Retained earnings to average equity (ytd only) | 5.4553% | 2,267 |
| Net charge-offs to loans | 1.0152% | 1,747 |
| Credit loss provision to net charge-offs | 85.6444% | 5,047 |
| Earnings coverage of net charge-offs (x) | 1.8071% | 4,208 |
| Efficiency ratio | 56.4778% | 7,060 |
| Assets per employee ($millions) | 8.2246% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5820% | 837 |
| Loan loss allowance to noncurrent loans | 101.9593% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 2.4383% | 2,649 |
| Noncurrent loans to loans | 2.5323% | 2,855 |
| Net loans and leases to total assets | 83.0197% | 787 |
| Net loans and leases to deposits | 102.8378% | 1,009 |
| Net loans and leases to core deposits | 128.4036% | 1,684 |
| Total domestic deposits to total assets | 80.7288% | 5,180 |
| Equity capital to assets | 10.9424% | 2,974 |
| Core capital (leverage) ratio | 11.1514% | 2,286 |
| Tier 1 risk-based capital ratio | 12.3623% | 4,630 |
| Total risk-based capital ratio | 13.6272% | 4,544 |
| Memoranda: | ||
| Average total assets | $548,201,330 | 1,289 |
| Average earning assets | $507,870,330 | 1,269 |
| Average equity | $52,719,000 | 1,287 |
| Average total loans | $483,048,670 | 1,039 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7490% | 3,539 |
| Cost of funding earning assets | 2.3179% | 2,624 |
| Net interest margin | 3.4311% | 5,008 |
| Noninterest income to average assets | 0.4543% | 4,726 |
| Noninterest expense to average assets | 2.1369% | 7,041 |
| Loan and lease loss provision to assets | 0.7681% | 1,676 |
| Net operating income to assets | 0.4484% | 4,656 |
| Return on assets (ROA) | 0.4484% | 4,827 |
| Pretax return on assets | 0.7286% | 4,330 |
| Return on Equity (ROE) | 5.0113% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.0113% | 3,125 |
| Net charge-offs to loans | 1.2422% | 1,128 |
| Credit loss provision to net charge-offs | 69.0335% | 4,373 |
| Earnings coverage of net charge-offs (x) | 1.3452% | 4,067 |
| Efficiency ratio | 58.8081% | 6,575 |
| Assets per employee ($millions) | 8.0667% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4870% | 777 |
| Loan loss allowance to noncurrent loans | 80.6421% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 3.3144% | 1,650 |
| Noncurrent loans to loans | 3.0840% | 2,100 |
| Net loans and leases to total assets | 84.5753% | 610 |
| Net loans and leases to deposits | 99.7092% | 1,449 |
| Net loans and leases to core deposits | 124.6120% | 2,025 |
| Total domestic deposits to total assets | 84.8220% | 3,292 |
| Equity capital to assets | 8.8607% | 5,541 |
| Core capital (leverage) ratio | 8.9713% | 4,758 |
| Tier 1 risk-based capital ratio | 9.7123% | 7,243 |
| Total risk-based capital ratio | 10.9766% | 7,137 |
| Memoranda: | ||
| Average total assets | $546,777,500 | 1,300 |
| Average earning assets | $506,664,000 | 1,276 |
| Average equity | $48,929,500 | 1,411 |
| Average total loans | $489,771,000 | 1,030 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0773% | 5,157 |
| Cost of funding earning assets | 2.8051% | 2,685 |
| Net interest margin | 3.2721% | 6,131 |
| Noninterest income to average assets | 0.3223% | 6,146 |
| Noninterest expense to average assets | 2.1567% | 7,101 |
| Loan and lease loss provision to assets | 1.0725% | 1,355 |
| Net operating income to assets | 0.0935% | 6,127 |
| Return on assets (ROA) | 0.1082% | 5,928 |
| Pretax return on assets | 0.1715% | 5,789 |
| Return on Equity (ROE) | 1.1409% | 5,877 |
| Retained earnings to average equity (ytd only) | 1.1409% | 4,548 |
| Net charge-offs to loans | 0.4679% | 2,489 |
| Credit loss provision to net charge-offs | 251.9231% | 1,845 |
| Earnings coverage of net charge-offs (x) | 2.8682% | 4,643 |
| Efficiency ratio | 63.8508% | 5,596 |
| Assets per employee ($millions) | 7.0652% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5115% | 669 |
| Loan loss allowance to noncurrent loans | 100.2652% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 2.3678% | 2,049 |
| Noncurrent loans to loans | 2.5049% | 2,175 |
| Net loans and leases to total assets | 90.1962% | 186 |
| Net loans and leases to deposits | 109.2944% | 881 |
| Net loans and leases to core deposits | 128.4767% | 1,965 |
| Total domestic deposits to total assets | 82.5258% | 3,983 |
| Equity capital to assets | 9.0399% | 5,323 |
| Core capital (leverage) ratio | 9.0858% | 4,616 |
| Tier 1 risk-based capital ratio | 9.4787% | 7,335 |
| Total risk-based capital ratio | 10.7439% | 7,233 |
| Memoranda: | ||
| Average total assets | $500,812,600 | 1,344 |
| Average earning assets | $467,643,800 | 1,328 |
| Average equity | $47,506,600 | 1,441 |
| Average total loans | $455,625,200 | 1,059 |