Home > Stride Bank > Performance and Condition Ratios
Stride Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2183% | 4,443 |
| Cost of funding earning assets | 0.2101% | 4,377 |
| Net interest margin | 3.0082% | 3,133 |
| Noninterest income to average assets | 2.0200% | 249 |
| Noninterest expense to average assets | 2.0656% | 3,452 |
| Loan and lease loss provision to assets | 0.2200% | 596 |
| Net operating income to assets | 1.9774% | 406 |
| Return on assets (ROA) | 1.9774% | 406 |
| Pretax return on assets | 2.5942% | 276 |
| Return on Equity (ROE) | 30.2600% | 103 |
| Retained earnings to average equity (ytd only) | 22.9301% | 39 |
| Net charge-offs to loans | 0.1476% | 886 |
| Credit loss provision to net charge-offs | 187.6135% | 1,192 |
| Earnings coverage of net charge-offs (x) | 24.2451% | 1,692 |
| Efficiency ratio | 42.3500% | 4,280 |
| Assets per employee ($millions) | 10.8218% | 597 |
| Cash dividends to net income (ytd only)* | 24.2158% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5146% | 4,264 |
| Loan loss allowance to noncurrent loans | 84.5514% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 1,382 |
| Noncurrent loans to loans | 0.6086% | 1,585 |
| Net loans and leases to total assets | 84.5000% | 241 |
| Net loans and leases to deposits | 92.2526% | 1,016 |
| Net loans and leases to core deposits | 93.2095% | 1,895 |
| Total domestic deposits to total assets | 91.5900% | 374 |
| Equity capital to assets | 7.5894% | 3,726 |
| Core capital (leverage) ratio | 8.6441% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3685% | 728 |
| Memoranda: | ||
| Average total assets | $3,988,816,600 | 336 |
| Average earning assets | $3,787,813,000 | 317 |
| Average equity | $260,679,200 | 465 |
| Average total loans | $3,134,150,400 | 308 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1743% | 4,484 |
| Cost of funding earning assets | 0.2037% | 4,418 |
| Net interest margin | 2.9706% | 3,159 |
| Noninterest income to average assets | 1.9900% | 251 |
| Noninterest expense to average assets | 2.0028% | 3,560 |
| Loan and lease loss provision to assets | 0.2500% | 441 |
| Net operating income to assets | 1.9507% | 465 |
| Return on assets (ROA) | 1.9507% | 470 |
| Pretax return on assets | 2.5621% | 304 |
| Return on Equity (ROE) | 31.0800% | 100 |
| Retained earnings to average equity (ytd only) | 23.5979% | 62 |
| Net charge-offs to loans | 0.2244% | 538 |
| Credit loss provision to net charge-offs | 144.2775% | 1,330 |
| Earnings coverage of net charge-offs (x) | 16.2676% | 1,888 |
| Efficiency ratio | 41.6015% | 4,305 |
| Assets per employee ($millions) | 10.5972% | 640 |
| Cash dividends to net income (ytd only)* | 24.0696% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4866% | 4,318 |
| Loan loss allowance to noncurrent loans | 72.4968% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 1,264 |
| Noncurrent loans to loans | 0.6712% | 1,458 |
| Net loans and leases to total assets | 84.2800% | 249 |
| Net loans and leases to deposits | 91.9371% | 1,052 |
| Net loans and leases to core deposits | 92.8030% | 1,962 |
| Total domestic deposits to total assets | 91.6700% | 237 |
| Equity capital to assets | 7.5891% | 3,927 |
| Core capital (leverage) ratio | 8.4067% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5564% | 719 |
| Memoranda: | ||
| Average total assets | $4,003,941,250 | 324 |
| Average earning assets | $3,813,132,250 | 307 |
| Average equity | $251,315,000 | 469 |
| Average total loans | $3,083,565,250 | 303 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0667% | 4,510 |
| Cost of funding earning assets | 0.1931% | 4,426 |
| Net interest margin | 2.8736% | 3,296 |
| Noninterest income to average assets | 1.8900% | 270 |
| Noninterest expense to average assets | 1.9307% | 3,695 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | 1.9267% | 495 |
| Return on assets (ROA) | 1.9267% | 496 |
| Pretax return on assets | 2.5259% | 320 |
| Return on Equity (ROE) | 32.7900% | 107 |
| Retained earnings to average equity (ytd only) | 24.8004% | 65 |
| Net charge-offs to loans | 0.0003% | 2,614 |
| Credit loss provision to net charge-offs | 78,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 11,115.2000% | 4 |
| Efficiency ratio | 41.5445% | 4,321 |
| Assets per employee ($millions) | 11.3383% | 490 |
| Cash dividends to net income (ytd only)* | 24.3550% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5546% | 4,287 |
| Loan loss allowance to noncurrent loans | 71.2694% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 1,136 |
| Noncurrent loans to loans | 0.7782% | 1,196 |
| Net loans and leases to total assets | 75.9900% | 1,176 |
| Net loans and leases to deposits | 81.9437% | 2,022 |
| Net loans and leases to core deposits | 82.5434% | 2,641 |
| Total domestic deposits to total assets | 92.7400% | 166 |
| Equity capital to assets | 6.6394% | 4,059 |
| Core capital (leverage) ratio | 7.6429% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3786% | 744 |
| Memoranda: | ||
| Average total assets | $4,091,655,667 | 324 |
| Average earning assets | $3,924,086,333 | 302 |
| Average equity | $240,455,667 | 486 |
| Average total loans | $3,055,386,333 | 307 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9518% | 4,537 |
| Cost of funding earning assets | 0.1917% | 4,449 |
| Net interest margin | 2.7601% | 3,445 |
| Noninterest income to average assets | 1.8700% | 255 |
| Noninterest expense to average assets | 1.8944% | 3,787 |
| Loan and lease loss provision to assets | 0.1900% | 543 |
| Net operating income to assets | 1.8649% | 520 |
| Return on assets (ROA) | 1.8649% | 530 |
| Pretax return on assets | 2.4466% | 356 |
| Return on Equity (ROE) | 33.8700% | 105 |
| Retained earnings to average equity (ytd only) | 25.0758% | 95 |
| Net charge-offs to loans | 0.0106% | 1,695 |
| Credit loss provision to net charge-offs | 2,407.4074% | 179 |
| Earnings coverage of net charge-offs (x) | 335.9877% | 277 |
| Efficiency ratio | 41.8209% | 4,306 |
| Assets per employee ($millions) | 13.7146% | 282 |
| Cash dividends to net income (ytd only)* | 25.9632% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4539% | 4,344 |
| Loan loss allowance to noncurrent loans | 63.4355% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 1,186 |
| Noncurrent loans to loans | 0.7155% | 1,246 |
| Net loans and leases to total assets | 71.9700% | 1,559 |
| Net loans and leases to deposits | 76.7203% | 2,364 |
| Net loans and leases to core deposits | 77.0216% | 2,911 |
| Total domestic deposits to total assets | 93.8100% | 135 |
| Equity capital to assets | 5.4696% | 4,306 |
| Core capital (leverage) ratio | 7.2725% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2009% | 776 |
| Memoranda: | ||
| Average total assets | $4,130,596,500 | 325 |
| Average earning assets | $3,978,857,500 | 304 |
| Average equity | $227,438,500 | 515 |
| Average total loans | $3,049,460,500 | 308 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8283% | 4,545 |
| Cost of funding earning assets | 0.1578% | 4,462 |
| Net interest margin | 2.6705% | 3,861 |
| Noninterest income to average assets | 2.1600% | 247 |
| Noninterest expense to average assets | 2.2818% | 2,898 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.7438% | 672 |
| Return on assets (ROA) | 1.7438% | 641 |
| Pretax return on assets | 2.2951% | 436 |
| Return on Equity (ROE) | 30.2700% | 178 |
| Retained earnings to average equity (ytd only) | 22.7592% | 95 |
| Net charge-offs to loans | 0.0442% | 1,451 |
| Credit loss provision to net charge-offs | 421.2032% | 761 |
| Earnings coverage of net charge-offs (x) | 76.9270% | 1,046 |
| Efficiency ratio | 48.3643% | 4,071 |
| Assets per employee ($millions) | 11.6150% | 457 |
| Cash dividends to net income (ytd only)* | 24.8048% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4690% | 4,357 |
| Loan loss allowance to noncurrent loans | 63.1262% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 945 |
| Noncurrent loans to loans | 0.7429% | 1,049 |
| Net loans and leases to total assets | 75.3700% | 1,194 |
| Net loans and leases to deposits | 81.6157% | 1,979 |
| Net loans and leases to core deposits | 81.7870% | 2,604 |
| Total domestic deposits to total assets | 92.3500% | 253 |
| Equity capital to assets | 5.6101% | 4,320 |
| Core capital (leverage) ratio | 7.2839% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9722% | 1,077 |
| Memoranda: | ||
| Average total assets | $3,201,939,800 | 373 |
| Average earning assets | $3,065,380,000 | 355 |
| Average equity | $184,479,600 | 577 |
| Average total loans | $2,291,852,000 | 364 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8154% | 4,558 |
| Cost of funding earning assets | 0.1499% | 4,476 |
| Net interest margin | 2.6655% | 3,928 |
| Noninterest income to average assets | 2.2100% | 258 |
| Noninterest expense to average assets | 2.2795% | 2,856 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.8138% | 649 |
| Return on assets (ROA) | 1.8138% | 643 |
| Pretax return on assets | 2.3839% | 433 |
| Return on Equity (ROE) | 31.1500% | 203 |
| Retained earnings to average equity (ytd only) | 22.8952% | 172 |
| Net charge-offs to loans | 0.0009% | 2,602 |
| Credit loss provision to net charge-offs | 10,626.6667% | 48 |
| Earnings coverage of net charge-offs (x) | 3,795.6667% | 22 |
| Efficiency ratio | 48.0421% | 4,041 |
| Assets per employee ($millions) | 9.8417% | 705 |
| Cash dividends to net income (ytd only)* | 26.4986% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4839% | 4,359 |
| Loan loss allowance to noncurrent loans | 49.1768% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 745 |
| Noncurrent loans to loans | 0.9840% | 830 |
| Net loans and leases to total assets | 73.3300% | 1,429 |
| Net loans and leases to deposits | 78.5744% | 2,189 |
| Net loans and leases to core deposits | 78.7342% | 2,696 |
| Total domestic deposits to total assets | 93.3300% | 261 |
| Equity capital to assets | 6.0038% | 3,990 |
| Core capital (leverage) ratio | 7.7821% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9593% | 953 |
| Memoranda: | ||
| Average total assets | $3,079,201,250 | 390 |
| Average earning assets | $2,928,311,750 | 371 |
| Average equity | $179,299,250 | 588 |
| Average total loans | $2,165,541,500 | 379 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7586% | 4,590 |
| Cost of funding earning assets | 0.1450% | 4,483 |
| Net interest margin | 2.6136% | 4,097 |
| Noninterest income to average assets | 2.2400% | 221 |
| Noninterest expense to average assets | 2.1726% | 3,160 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.8712% | 590 |
| Return on assets (ROA) | 1.8712% | 583 |
| Pretax return on assets | 2.4581% | 375 |
| Return on Equity (ROE) | 32.4900% | 175 |
| Retained earnings to average equity (ytd only) | 24.7127% | 130 |
| Net charge-offs to loans | -0.0104% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.1060% | 4,158 |
| Assets per employee ($millions) | 10.0498% | 659 |
| Cash dividends to net income (ytd only)* | 23.9386% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4785% | 4,395 |
| Loan loss allowance to noncurrent loans | 45.4322% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 645 |
| Noncurrent loans to loans | 1.0533% | 698 |
| Net loans and leases to total assets | 71.8400% | 1,553 |
| Net loans and leases to deposits | 76.9137% | 2,223 |
| Net loans and leases to core deposits | 77.0089% | 2,685 |
| Total domestic deposits to total assets | 93.4000% | 194 |
| Equity capital to assets | 6.0574% | 4,127 |
| Core capital (leverage) ratio | 7.6473% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9273% | 824 |
| Memoranda: | ||
| Average total assets | $3,036,142,333 | 386 |
| Average earning assets | $2,876,759,000 | 367 |
| Average equity | $174,857,667 | 591 |
| Average total loans | $2,099,339,000 | 380 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7007% | 4,618 |
| Cost of funding earning assets | 0.1412% | 4,474 |
| Net interest margin | 2.5595% | 4,247 |
| Noninterest income to average assets | 2.1300% | 217 |
| Noninterest expense to average assets | 2.1587% | 3,230 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.7590% | 734 |
| Return on assets (ROA) | 1.7590% | 726 |
| Pretax return on assets | 2.3090% | 474 |
| Return on Equity (ROE) | 31.3600% | 210 |
| Retained earnings to average equity (ytd only) | 23.5869% | 218 |
| Net charge-offs to loans | -0.0348% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.4495% | 4,124 |
| Assets per employee ($millions) | 11.0937% | 497 |
| Cash dividends to net income (ytd only)* | 24.7934% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4539% | 4,470 |
| Loan loss allowance to noncurrent loans | 69.7845% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 1,122 |
| Noncurrent loans to loans | 0.6504% | 1,160 |
| Net loans and leases to total assets | 65.4900% | 2,109 |
| Net loans and leases to deposits | 69.5860% | 2,648 |
| Net loans and leases to core deposits | 70.4830% | 2,922 |
| Total domestic deposits to total assets | 94.1200% | 158 |
| Equity capital to assets | 5.2335% | 4,384 |
| Core capital (leverage) ratio | 7.0544% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7668% | 681 |
| Memoranda: | ||
| Average total assets | $3,026,639,000 | 400 |
| Average earning assets | $2,859,004,000 | 379 |
| Average equity | $169,755,500 | 614 |
| Average total loans | $2,046,383,500 | 395 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1320% | 4,588 |
| Cost of funding earning assets | 0.1048% | 4,373 |
| Net interest margin | 2.0272% | 4,552 |
| Noninterest income to average assets | 2.4100% | 209 |
| Noninterest expense to average assets | 2.4763% | 2,193 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.3350% | 1,326 |
| Return on assets (ROA) | 1.3350% | 1,286 |
| Pretax return on assets | 1.7589% | 806 |
| Return on Equity (ROE) | 21.7700% | 352 |
| Retained earnings to average equity (ytd only) | 14.0700% | 376 |
| Net charge-offs to loans | 0.0594% | 1,056 |
| Credit loss provision to net charge-offs | 131.2865% | 1,400 |
| Earnings coverage of net charge-offs (x) | 44.8743% | 1,434 |
| Efficiency ratio | 57.7462% | 3,377 |
| Assets per employee ($millions) | 9.5830% | 764 |
| Cash dividends to net income (ytd only)* | 35.3753% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4726% | 4,459 |
| Loan loss allowance to noncurrent loans | 50.0028% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 696 |
| Noncurrent loans to loans | 0.9452% | 787 |
| Net loans and leases to total assets | 69.5500% | 1,679 |
| Net loans and leases to deposits | 74.5035% | 2,218 |
| Net loans and leases to core deposits | 75.2184% | 2,485 |
| Total domestic deposits to total assets | 93.3600% | 335 |
| Equity capital to assets | 6.0751% | 4,062 |
| Core capital (leverage) ratio | 7.7946% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4457% | 676 |
| Memoranda: | ||
| Average total assets | $2,540,991,200 | 450 |
| Average earning assets | $2,357,222,400 | 439 |
| Average equity | $155,806,800 | 661 |
| Average total loans | $1,726,121,200 | 424 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9880% | 4,611 |
| Cost of funding earning assets | 0.0987% | 4,295 |
| Net interest margin | 1.8892% | 4,587 |
| Noninterest income to average assets | 2.4600% | 214 |
| Noninterest expense to average assets | 2.4563% | 2,141 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.2930% | 1,372 |
| Return on assets (ROA) | 1.2930% | 1,341 |
| Pretax return on assets | 1.7046% | 896 |
| Return on Equity (ROE) | 21.0300% | 355 |
| Retained earnings to average equity (ytd only) | 13.2276% | 581 |
| Net charge-offs to loans | 0.0661% | 830 |
| Credit loss provision to net charge-offs | 95.5689% | 1,353 |
| Earnings coverage of net charge-offs (x) | 39.2443% | 1,399 |
| Efficiency ratio | 58.4350% | 3,335 |
| Assets per employee ($millions) | 8.5489% | 1,043 |
| Cash dividends to net income (ytd only)* | 37.1134% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4881% | 4,483 |
| Loan loss allowance to noncurrent loans | 52.5809% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 791 |
| Noncurrent loans to loans | 0.9282% | 843 |
| Net loans and leases to total assets | 71.1900% | 1,379 |
| Net loans and leases to deposits | 76.3451% | 1,849 |
| Net loans and leases to core deposits | 77.3928% | 2,087 |
| Total domestic deposits to total assets | 93.2500% | 515 |
| Equity capital to assets | 6.4186% | 3,782 |
| Core capital (leverage) ratio | 8.3733% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4750% | 606 |
| Memoranda: | ||
| Average total assets | $2,500,637,000 | 452 |
| Average earning assets | $2,313,265,250 | 444 |
| Average equity | $153,715,250 | 675 |
| Average total loans | $1,685,519,500 | 430 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8640% | 4,652 |
| Cost of funding earning assets | 0.0996% | 4,195 |
| Net interest margin | 1.7644% | 4,639 |
| Noninterest income to average assets | 2.4435% | 189 |
| Noninterest expense to average assets | 2.4496% | 2,080 |
| Loan and lease loss provision to assets | 0.0627% | 1,477 |
| Net operating income to assets | 1.1602% | 1,567 |
| Return on assets (ROA) | 1.1602% | 1,547 |
| Pretax return on assets | 1.5310% | 1,099 |
| Return on Equity (ROE) | 19.1487% | 373 |
| Retained earnings to average equity (ytd only) | 11.2778% | 745 |
| Net charge-offs to loans | 0.0907% | 621 |
| Credit loss provision to net charge-offs | 104.6419% | 1,249 |
| Earnings coverage of net charge-offs (x) | 26.5942% | 1,447 |
| Efficiency ratio | 60.5834% | 3,228 |
| Assets per employee ($millions) | 8.4340% | 1,096 |
| Cash dividends to net income (ytd only)* | 41.1043% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5183% | 4,536 |
| Loan loss allowance to noncurrent loans | 47.7583% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 702 |
| Noncurrent loans to loans | 1.0852% | 762 |
| Net loans and leases to total assets | 68.7441% | 1,416 |
| Net loans and leases to deposits | 73.6691% | 1,902 |
| Net loans and leases to core deposits | 74.3536% | 2,142 |
| Total domestic deposits to total assets | 93.3147% | 431 |
| Equity capital to assets | 6.3778% | 4,068 |
| Core capital (leverage) ratio | 7.5674% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1908% | 689 |
| Memoranda: | ||
| Average total assets | $2,516,341,000 | 447 |
| Average earning assets | $2,281,505,667 | 447 |
| Average equity | $152,459,333 | 683 |
| Average total loans | $1,662,276,000 | 427 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6321% | 4,696 |
| Cost of funding earning assets | 0.1074% | 4,048 |
| Net interest margin | 1.5246% | 4,691 |
| Noninterest income to average assets | 2.0925% | 226 |
| Noninterest expense to average assets | 2.4446% | 2,034 |
| Loan and lease loss provision to assets | 0.0005% | 2,282 |
| Net operating income to assets | 0.8056% | 2,640 |
| Return on assets (ROA) | 0.8056% | 2,633 |
| Pretax return on assets | 1.0665% | 2,243 |
| Return on Equity (ROE) | 13.6340% | 905 |
| Retained earnings to average equity (ytd only) | 5.7272% | 2,340 |
| Net charge-offs to loans | 0.1860% | 326 |
| Credit loss provision to net charge-offs | 0.3886% | 1,335 |
| Earnings coverage of net charge-offs (x) | 8.8744% | 1,503 |
| Efficiency ratio | 69.6159% | 2,286 |
| Assets per employee ($millions) | 9.9348% | 692 |
| Cash dividends to net income (ytd only)* | 57.9934% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4288% | 4,635 |
| Loan loss allowance to noncurrent loans | 36.7801% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 771 |
| Noncurrent loans to loans | 1.1659% | 757 |
| Net loans and leases to total assets | 62.2945% | 1,824 |
| Net loans and leases to deposits | 65.8484% | 2,348 |
| Net loans and leases to core deposits | 66.9099% | 2,547 |
| Total domestic deposits to total assets | 94.6029% | 67 |
| Equity capital to assets | 5.2004% | 4,701 |
| Core capital (leverage) ratio | 7.0762% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1346% | 887 |
| Memoranda: | ||
| Average total assets | $2,568,444,500 | 446 |
| Average earning assets | $2,390,586,500 | 438 |
| Average equity | $151,768,000 | 702 |
| Average total loans | $1,659,994,500 | 428 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4089% | 4,534 |
| Cost of funding earning assets | 0.1486% | 3,993 |
| Net interest margin | 2.2604% | 4,445 |
| Noninterest income to average assets | 2.5619% | 226 |
| Noninterest expense to average assets | 2.9851% | 1,007 |
| Loan and lease loss provision to assets | 0.2347% | 422 |
| Net operating income to assets | 1.0695% | 2,417 |
| Return on assets (ROA) | 1.0695% | 2,490 |
| Pretax return on assets | 1.4396% | 1,916 |
| Return on Equity (ROE) | 16.0564% | 755 |
| Retained earnings to average equity (ytd only) | 11.7756% | 567 |
| Net charge-offs to loans | 0.2688% | 333 |
| Credit loss provision to net charge-offs | 138.3770% | 1,543 |
| Earnings coverage of net charge-offs (x) | 9.8713% | 2,242 |
| Efficiency ratio | 64.0660% | 2,559 |
| Assets per employee ($millions) | 7.7484% | 1,466 |
| Cash dividends to net income (ytd only)* | 26.6612% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5764% | 4,557 |
| Loan loss allowance to noncurrent loans | 58.6423% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 973 |
| Noncurrent loans to loans | 0.9830% | 1,010 |
| Net loans and leases to total assets | 66.9673% | 1,374 |
| Net loans and leases to deposits | 72.0678% | 1,901 |
| Net loans and leases to core deposits | 80.3144% | 1,565 |
| Total domestic deposits to total assets | 92.9226% | 52 |
| Equity capital to assets | 6.8429% | 4,745 |
| Core capital (leverage) ratio | 8.3083% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9264% | 659 |
| Memoranda: | ||
| Average total assets | $1,823,587,400 | 578 |
| Average earning assets | $1,692,161,200 | 570 |
| Average equity | $121,472,000 | 854 |
| Average total loans | $1,150,560,400 | 578 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6499% | 4,455 |
| Cost of funding earning assets | 0.1617% | 4,000 |
| Net interest margin | 2.4882% | 4,298 |
| Noninterest income to average assets | 2.5684% | 238 |
| Noninterest expense to average assets | 3.0634% | 872 |
| Loan and lease loss provision to assets | 0.2569% | 353 |
| Net operating income to assets | 1.1262% | 2,455 |
| Return on assets (ROA) | 1.1262% | 2,520 |
| Pretax return on assets | 1.5127% | 1,964 |
| Return on Equity (ROE) | 17.0569% | 753 |
| Retained earnings to average equity (ytd only) | 14.7163% | 435 |
| Net charge-offs to loans | 0.2992% | 266 |
| Credit loss provision to net charge-offs | 139.0795% | 1,395 |
| Earnings coverage of net charge-offs (x) | 9.5820% | 2,071 |
| Efficiency ratio | 63.3853% | 2,477 |
| Assets per employee ($millions) | 7.4037% | 1,621 |
| Cash dividends to net income (ytd only)* | 13.7221% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6040% | 4,633 |
| Loan loss allowance to noncurrent loans | 81.1407% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 1,457 |
| Noncurrent loans to loans | 0.7444% | 1,507 |
| Net loans and leases to total assets | 67.2478% | 1,402 |
| Net loans and leases to deposits | 72.8644% | 1,973 |
| Net loans and leases to core deposits | 177.8354% | 39 |
| Total domestic deposits to total assets | 92.2917% | 80 |
| Equity capital to assets | 7.3576% | 4,743 |
| Core capital (leverage) ratio | 8.4634% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3846% | 898 |
| Memoranda: | ||
| Average total assets | $1,725,472,250 | 610 |
| Average earning assets | $1,570,495,750 | 617 |
| Average equity | $113,929,750 | 923 |
| Average total loans | $1,065,042,750 | 631 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6869% | 4,472 |
| Cost of funding earning assets | 0.1648% | 4,087 |
| Net interest margin | 2.5221% | 4,275 |
| Noninterest income to average assets | 2.4720% | 250 |
| Noninterest expense to average assets | 3.0795% | 868 |
| Loan and lease loss provision to assets | 0.2921% | 296 |
| Net operating income to assets | 1.0787% | 2,610 |
| Return on assets (ROA) | 1.0787% | 2,680 |
| Pretax return on assets | 1.4479% | 2,182 |
| Return on Equity (ROE) | 17.1627% | 756 |
| Retained earnings to average equity (ytd only) | 13.2331% | 679 |
| Net charge-offs to loans | 0.1691% | 497 |
| Credit loss provision to net charge-offs | 291.6153% | 905 |
| Earnings coverage of net charge-offs (x) | 17.3724% | 1,581 |
| Efficiency ratio | 63.8975% | 2,444 |
| Assets per employee ($millions) | 6.8597% | 1,903 |
| Cash dividends to net income (ytd only)* | 22.8964% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7156% | 4,507 |
| Loan loss allowance to noncurrent loans | 35.3539% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 458 |
| Noncurrent loans to loans | 2.0242% | 479 |
| Net loans and leases to total assets | 65.7319% | 1,714 |
| Net loans and leases to deposits | 70.5218% | 2,357 |
| Net loans and leases to core deposits | 106.1828% | 465 |
| Total domestic deposits to total assets | 93.2078% | 26 |
| Equity capital to assets | 6.4444% | 4,899 |
| Core capital (leverage) ratio | 6.4286% | 4,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7813% | 1,393 |
| Memoranda: | ||
| Average total assets | $1,619,486,667 | 638 |
| Average earning assets | $1,507,311,000 | 631 |
| Average equity | $101,790,333 | 1,012 |
| Average total loans | $959,219,667 | 700 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0525% | 3,984 |
| Cost of funding earning assets | 0.1330% | 4,435 |
| Net interest margin | 2.9195% | 3,471 |
| Noninterest income to average assets | 1.7337% | 474 |
| Noninterest expense to average assets | 2.8064% | 1,356 |
| Loan and lease loss provision to assets | 0.3022% | 308 |
| Net operating income to assets | 1.0007% | 2,805 |
| Return on assets (ROA) | 1.0007% | 2,898 |
| Pretax return on assets | 1.3436% | 2,448 |
| Return on Equity (ROE) | 16.1823% | 979 |
| Retained earnings to average equity (ytd only) | 16.1823% | 496 |
| Net charge-offs to loans | 0.1685% | 480 |
| Credit loss provision to net charge-offs | 327.4854% | 728 |
| Earnings coverage of net charge-offs (x) | 17.8363% | 1,288 |
| Efficiency ratio | 63.0348% | 2,602 |
| Assets per employee ($millions) | 7.6737% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 3,973 |
| Loan loss allowance to noncurrent loans | 34.7029% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.3240% | 524 |
| Noncurrent loans to loans | 2.7879% | 298 |
| Net loans and leases to total assets | 45.5372% | 3,996 |
| Net loans and leases to deposits | 48.1845% | 4,256 |
| Net loans and leases to core deposits | 104.5538% | 558 |
| Total domestic deposits to total assets | 94.5059% | 7 |
| Equity capital to assets | 5.0720% | 4,964 |
| Core capital (leverage) ratio | 5.6236% | 4,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3203% | 2,559 |
| Memoranda: | ||
| Average total assets | $1,482,591,000 | 687 |
| Average earning assets | $1,380,530,000 | 681 |
| Average equity | $91,680,500 | 1,086 |
| Average total loans | $812,101,000 | 804 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,071 |
| Cost of funding earning assets | 0.2855% | 4,217 |
| Net interest margin | 3.5985% | 2,148 |
| Noninterest income to average assets | 1.5663% | 499 |
| Noninterest expense to average assets | 3.5821% | 619 |
| Loan and lease loss provision to assets | 0.2870% | 1,322 |
| Net operating income to assets | 0.7683% | 3,206 |
| Return on assets (ROA) | 0.7781% | 3,299 |
| Pretax return on assets | 1.0965% | 2,707 |
| Return on Equity (ROE) | 10.3988% | 1,845 |
| Retained earnings to average equity (ytd only) | 8.8083% | 819 |
| Net charge-offs to loans | 0.2037% | 848 |
| Credit loss provision to net charge-offs | 201.6866% | 2,154 |
| Earnings coverage of net charge-offs (x) | 9.6339% | 2,508 |
| Efficiency ratio | 72.3190% | 1,640 |
| Assets per employee ($millions) | 5.4275% | 2,923 |
| Cash dividends to net income (ytd only)* | 15.2956% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 4,019 |
| Loan loss allowance to noncurrent loans | 36.8460% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.8605% | 324 |
| Noncurrent loans to loans | 2.5892% | 384 |
| Net loans and leases to total assets | 68.5310% | 1,758 |
| Net loans and leases to deposits | 75.2159% | 2,358 |
| Net loans and leases to core deposits | 305.4627% | 21 |
| Total domestic deposits to total assets | 91.1123% | 201 |
| Equity capital to assets | 8.0064% | 4,703 |
| Core capital (leverage) ratio | 7.4698% | 4,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2504% | 2,529 |
| Memoranda: | ||
| Average total assets | $999,858,000 | 882 |
| Average earning assets | $941,067,400 | 863 |
| Average equity | $74,816,000 | 1,222 |
| Average total loans | $698,628,800 | 869 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8654% | 3,370 |
| Cost of funding earning assets | 0.3224% | 4,203 |
| Net interest margin | 3.5430% | 2,445 |
| Noninterest income to average assets | 1.4275% | 560 |
| Noninterest expense to average assets | 3.6836% | 547 |
| Loan and lease loss provision to assets | 0.3055% | 1,320 |
| Net operating income to assets | 0.4998% | 4,036 |
| Return on assets (ROA) | 0.5133% | 4,091 |
| Pretax return on assets | 0.7691% | 3,731 |
| Return on Equity (ROE) | 7.0013% | 3,200 |
| Retained earnings to average equity (ytd only) | 5.5654% | 2,296 |
| Net charge-offs to loans | 0.0870% | 1,434 |
| Credit loss provision to net charge-offs | 501.1287% | 1,275 |
| Earnings coverage of net charge-offs (x) | 17.3476% | 2,020 |
| Efficiency ratio | 77.6955% | 1,064 |
| Assets per employee ($millions) | 5.7153% | 2,527 |
| Cash dividends to net income (ytd only)* | 20.5094% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 3,913 |
| Loan loss allowance to noncurrent loans | 36.0275% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.9065% | 367 |
| Noncurrent loans to loans | 2.6218% | 394 |
| Net loans and leases to total assets | 69.3408% | 2,053 |
| Net loans and leases to deposits | 75.4746% | 2,799 |
| Net loans and leases to core deposits | 150.0845% | 115 |
| Total domestic deposits to total assets | 91.8731% | 62 |
| Equity capital to assets | 7.3730% | 4,885 |
| Core capital (leverage) ratio | 6.8527% | 4,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4428% | 2,442 |
| Memoranda: | ||
| Average total assets | $968,950,500 | 893 |
| Average earning assets | $906,211,000 | 882 |
| Average equity | $71,032,250 | 1,268 |
| Average total loans | $678,947,750 | 885 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 3,098 |
| Cost of funding earning assets | 0.3804% | 4,124 |
| Net interest margin | 3.7005% | 2,162 |
| Noninterest income to average assets | 1.3444% | 567 |
| Noninterest expense to average assets | 3.7726% | 524 |
| Loan and lease loss provision to assets | 0.3592% | 1,175 |
| Net operating income to assets | 0.4416% | 4,143 |
| Return on assets (ROA) | 0.4633% | 4,168 |
| Pretax return on assets | 0.7544% | 3,728 |
| Return on Equity (ROE) | 6.3355% | 3,386 |
| Retained earnings to average equity (ytd only) | 5.3038% | 2,348 |
| Net charge-offs to loans | 0.1209% | 1,120 |
| Credit loss provision to net charge-offs | 423.8220% | 1,354 |
| Earnings coverage of net charge-offs (x) | 12.8141% | 2,029 |
| Efficiency ratio | 77.6464% | 1,085 |
| Assets per employee ($millions) | 5.9592% | 2,218 |
| Cash dividends to net income (ytd only)* | 16.2835% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,320 |
| Loan loss allowance to noncurrent loans | 34.4486% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.7935% | 444 |
| Noncurrent loans to loans | 3.0493% | 311 |
| Net loans and leases to total assets | 56.1185% | 3,674 |
| Net loans and leases to deposits | 59.8014% | 4,129 |
| Net loans and leases to core deposits | 118.9715% | 454 |
| Total domestic deposits to total assets | 93.8415% | 9 |
| Equity capital to assets | 5.5881% | 5,049 |
| Core capital (leverage) ratio | 6.3797% | 5,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2097% | 3,137 |
| Memoranda: | ||
| Average total assets | $901,386,333 | 940 |
| Average earning assets | $856,046,000 | 914 |
| Average equity | $65,914,667 | 1,336 |
| Average total loans | $631,872,333 | 924 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 889 |
| Cost of funding earning assets | 0.5586% | 3,648 |
| Net interest margin | 4.4846% | 521 |
| Noninterest income to average assets | 1.5444% | 373 |
| Noninterest expense to average assets | 4.4763% | 310 |
| Loan and lease loss provision to assets | 0.4192% | 722 |
| Net operating income to assets | 0.4119% | 4,110 |
| Return on assets (ROA) | 0.4288% | 4,111 |
| Pretax return on assets | 0.8608% | 3,252 |
| Return on Equity (ROE) | 4.9238% | 3,659 |
| Retained earnings to average equity (ytd only) | 2.8338% | 3,148 |
| Net charge-offs to loans | -0.1911% | 4,933 |
| Credit loss provision to net charge-offs | -270.9343% | 3,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0547% | 1,325 |
| Assets per employee ($millions) | 3.9747% | 3,945 |
| Cash dividends to net income (ytd only)* | 42.4469% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 2,925 |
| Loan loss allowance to noncurrent loans | 41.0086% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 2.2217% | 340 |
| Noncurrent loans to loans | 2.8085% | 401 |
| Net loans and leases to total assets | 76.0297% | 1,298 |
| Net loans and leases to deposits | 83.6690% | 2,268 |
| Net loans and leases to core deposits | 108.8003% | 910 |
| Total domestic deposits to total assets | 90.8696% | 125 |
| Equity capital to assets | 8.2040% | 4,928 |
| Core capital (leverage) ratio | 8.5805% | 4,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6772% | 3,365 |
| Memoranda: | ||
| Average total assets | $747,218,000 | 1,048 |
| Average earning assets | $698,209,500 | 1,034 |
| Average equity | $65,071,500 | 1,346 |
| Average total loans | $604,765,500 | 937 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 577 |
| Cost of funding earning assets | 0.6892% | 3,216 |
| Net interest margin | 4.7941% | 398 |
| Noninterest income to average assets | 1.5583% | 380 |
| Noninterest expense to average assets | 4.5886% | 282 |
| Loan and lease loss provision to assets | 0.3044% | 548 |
| Net operating income to assets | 1.1835% | 2,122 |
| Return on assets (ROA) | 1.1841% | 2,218 |
| Pretax return on assets | 1.2370% | 2,715 |
| Return on Equity (ROE) | 12.8246% | 1,228 |
| Retained earnings to average equity (ytd only) | 5.4242% | 2,212 |
| Net charge-offs to loans | 0.3279% | 633 |
| Credit loss provision to net charge-offs | 111.0515% | 2,254 |
| Earnings coverage of net charge-offs (x) | 5.6218% | 3,062 |
| Efficiency ratio | 74.8621% | 1,506 |
| Assets per employee ($millions) | 3.5151% | 4,470 |
| Cash dividends to net income (ytd only)* | 57.7052% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,529 |
| Loan loss allowance to noncurrent loans | 55.0595% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.6277% | 591 |
| Noncurrent loans to loans | 1.8126% | 740 |
| Net loans and leases to total assets | 84.6508% | 263 |
| Net loans and leases to deposits | 94.3605% | 1,123 |
| Net loans and leases to core deposits | 106.4842% | 1,081 |
| Total domestic deposits to total assets | 89.7100% | 421 |
| Equity capital to assets | 9.2818% | 4,504 |
| Core capital (leverage) ratio | 9.4080% | 4,161 |
| Tier 1 risk-based capital ratio | 9.7881% | 5,141 |
| Total risk-based capital ratio | 10.7002% | 5,144 |
| Memoranda: | ||
| Average total assets | $680,092,600 | 1,100 |
| Average earning assets | $648,467,200 | 1,065 |
| Average equity | $62,793,200 | 1,337 |
| Average total loans | $568,499,200 | 955 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5237% | 564 |
| Cost of funding earning assets | 0.7113% | 3,153 |
| Net interest margin | 4.8124% | 409 |
| Noninterest income to average assets | 1.5672% | 373 |
| Noninterest expense to average assets | 4.5585% | 287 |
| Loan and lease loss provision to assets | 0.3063% | 480 |
| Net operating income to assets | 1.2181% | 2,130 |
| Return on assets (ROA) | 1.2189% | 2,204 |
| Pretax return on assets | 1.2947% | 2,685 |
| Return on Equity (ROE) | 13.2195% | 1,196 |
| Retained earnings to average equity (ytd only) | 6.1847% | 2,288 |
| Net charge-offs to loans | 0.3008% | 583 |
| Credit loss provision to net charge-offs | 122.5118% | 1,925 |
| Earnings coverage of net charge-offs (x) | 6.4013% | 2,842 |
| Efficiency ratio | 74.0173% | 1,567 |
| Assets per employee ($millions) | 3.5075% | 4,493 |
| Cash dividends to net income (ytd only)* | 53.2156% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,360 |
| Loan loss allowance to noncurrent loans | 58.8138% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.5834% | 662 |
| Noncurrent loans to loans | 1.7632% | 815 |
| Net loans and leases to total assets | 84.4006% | 305 |
| Net loans and leases to deposits | 96.5639% | 949 |
| Net loans and leases to core deposits | 107.6879% | 1,072 |
| Total domestic deposits to total assets | 87.4039% | 1,308 |
| Equity capital to assets | 9.4059% | 4,526 |
| Core capital (leverage) ratio | 9.4457% | 4,222 |
| Tier 1 risk-based capital ratio | 10.0996% | 5,178 |
| Total risk-based capital ratio | 11.0611% | 5,182 |
| Memoranda: | ||
| Average total assets | $675,241,250 | 1,104 |
| Average earning assets | $644,233,000 | 1,070 |
| Average equity | $62,260,000 | 1,343 |
| Average total loans | $561,099,000 | 960 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3127% | 796 |
| Cost of funding earning assets | 0.7166% | 3,074 |
| Net interest margin | 4.5961% | 624 |
| Noninterest income to average assets | 1.5995% | 359 |
| Noninterest expense to average assets | 4.4924% | 310 |
| Loan and lease loss provision to assets | 0.3073% | 444 |
| Net operating income to assets | 1.1182% | 2,450 |
| Return on assets (ROA) | 1.1182% | 2,525 |
| Pretax return on assets | 1.1881% | 2,946 |
| Return on Equity (ROE) | 12.2106% | 1,501 |
| Retained earnings to average equity (ytd only) | 5.5027% | 2,518 |
| Net charge-offs to loans | 0.2388% | 704 |
| Credit loss provision to net charge-offs | 156.2784% | 1,448 |
| Earnings coverage of net charge-offs (x) | 7.6051% | 2,475 |
| Efficiency ratio | 75.0261% | 1,514 |
| Assets per employee ($millions) | 3.6211% | 4,356 |
| Cash dividends to net income (ytd only)* | 54.9348% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 3,109 |
| Loan loss allowance to noncurrent loans | 54.7564% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.7272% | 607 |
| Noncurrent loans to loans | 1.9965% | 719 |
| Net loans and leases to total assets | 80.2650% | 845 |
| Net loans and leases to deposits | 89.4051% | 1,814 |
| Net loans and leases to core deposits | 101.5143% | 1,595 |
| Total domestic deposits to total assets | 89.7768% | 394 |
| Equity capital to assets | 9.1175% | 4,724 |
| Core capital (leverage) ratio | 9.4120% | 4,231 |
| Tier 1 risk-based capital ratio | 10.3505% | 5,155 |
| Total risk-based capital ratio | 11.3692% | 5,144 |
| Memoranda: | ||
| Average total assets | $672,336,330 | 1,108 |
| Average earning assets | $641,935,000 | 1,071 |
| Average equity | $61,569,330 | 1,349 |
| Average total loans | $553,694,670 | 970 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3342% | 710 |
| Cost of funding earning assets | 0.7101% | 3,001 |
| Net interest margin | 4.6241% | 578 |
| Noninterest income to average assets | 1.5494% | 357 |
| Noninterest expense to average assets | 4.5034% | 285 |
| Loan and lease loss provision to assets | 0.3115% | 408 |
| Net operating income to assets | 1.1444% | 2,292 |
| Return on assets (ROA) | 1.1444% | 2,338 |
| Pretax return on assets | 1.1444% | 2,993 |
| Return on Equity (ROE) | 12.4687% | 1,392 |
| Retained earnings to average equity (ytd only) | 6.3856% | 2,282 |
| Net charge-offs to loans | 0.2713% | 544 |
| Credit loss provision to net charge-offs | 138.3378% | 1,308 |
| Earnings coverage of net charge-offs (x) | 6.4665% | 2,197 |
| Efficiency ratio | 75.5697% | 1,548 |
| Assets per employee ($millions) | 3.6922% | 4,352 |
| Cash dividends to net income (ytd only)* | 48.7869% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,319 |
| Loan loss allowance to noncurrent loans | 47.7646% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.9835% | 501 |
| Noncurrent loans to loans | 2.2348% | 628 |
| Net loans and leases to total assets | 82.8520% | 488 |
| Net loans and leases to deposits | 92.3730% | 1,358 |
| Net loans and leases to core deposits | 103.6878% | 1,338 |
| Total domestic deposits to total assets | 89.6929% | 564 |
| Equity capital to assets | 9.3162% | 4,417 |
| Core capital (leverage) ratio | 9.3888% | 4,272 |
| Tier 1 risk-based capital ratio | 10.5982% | 5,151 |
| Total risk-based capital ratio | 11.6143% | 5,131 |
| Memoranda: | ||
| Average total assets | $662,692,000 | 1,130 |
| Average earning assets | $631,994,500 | 1,091 |
| Average equity | $60,824,500 | 1,357 |
| Average total loans | $549,907,500 | 986 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 1,105 |
| Cost of funding earning assets | 0.5736% | 2,895 |
| Net interest margin | 4.4020% | 935 |
| Noninterest income to average assets | 1.6523% | 353 |
| Noninterest expense to average assets | 4.2544% | 384 |
| Loan and lease loss provision to assets | 0.2847% | 576 |
| Net operating income to assets | 1.3150% | 1,741 |
| Return on assets (ROA) | 1.3150% | 1,728 |
| Pretax return on assets | 1.3150% | 2,446 |
| Return on Equity (ROE) | 14.6273% | 914 |
| Retained earnings to average equity (ytd only) | 6.1656% | 2,111 |
| Net charge-offs to loans | 0.2255% | 865 |
| Credit loss provision to net charge-offs | 156.9231% | 1,770 |
| Earnings coverage of net charge-offs (x) | 8.8162% | 2,863 |
| Efficiency ratio | 72.6733% | 1,816 |
| Assets per employee ($millions) | 3.7755% | 4,217 |
| Cash dividends to net income (ytd only)* | 57.8488% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,350 |
| Loan loss allowance to noncurrent loans | 54.8534% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.6927% | 635 |
| Noncurrent loans to loans | 1.9233% | 712 |
| Net loans and leases to total assets | 81.3524% | 761 |
| Net loans and leases to deposits | 90.1928% | 1,774 |
| Net loans and leases to core deposits | 100.9588% | 1,648 |
| Total domestic deposits to total assets | 90.1983% | 414 |
| Equity capital to assets | 9.0414% | 4,540 |
| Core capital (leverage) ratio | 9.3530% | 4,295 |
| Tier 1 risk-based capital ratio | 10.5808% | 5,152 |
| Total risk-based capital ratio | 11.5864% | 5,147 |
| Memoranda: | ||
| Average total assets | $644,797,800 | 1,122 |
| Average earning assets | $615,464,400 | 1,094 |
| Average equity | $57,966,800 | 1,359 |
| Average total loans | $518,781,200 | 1,009 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8642% | 1,264 |
| Cost of funding earning assets | 0.5525% | 2,845 |
| Net interest margin | 4.3117% | 1,090 |
| Noninterest income to average assets | 1.6542% | 364 |
| Noninterest expense to average assets | 4.2945% | 357 |
| Loan and lease loss provision to assets | 0.3786% | 342 |
| Net operating income to assets | 1.1000% | 2,667 |
| Return on assets (ROA) | 1.1000% | 2,686 |
| Pretax return on assets | 1.1000% | 3,402 |
| Return on Equity (ROE) | 12.2539% | 1,697 |
| Retained earnings to average equity (ytd only) | 4.6518% | 3,421 |
| Net charge-offs to loans | 0.1102% | 1,387 |
| Credit loss provision to net charge-offs | 429.5508% | 785 |
| Earnings coverage of net charge-offs (x) | 16.7753% | 2,146 |
| Efficiency ratio | 74.3882% | 1,533 |
| Assets per employee ($millions) | 3.6913% | 4,319 |
| Cash dividends to net income (ytd only)* | 62.0383% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,344 |
| Loan loss allowance to noncurrent loans | 58.4812% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.8123% | 637 |
| Noncurrent loans to loans | 2.1449% | 669 |
| Net loans and leases to total assets | 78.2204% | 1,314 |
| Net loans and leases to deposits | 86.6294% | 2,301 |
| Net loans and leases to core deposits | 96.6513% | 2,055 |
| Total domestic deposits to total assets | 90.2931% | 414 |
| Equity capital to assets | 8.8735% | 4,662 |
| Core capital (leverage) ratio | 9.2319% | 4,480 |
| Tier 1 risk-based capital ratio | 10.8356% | 5,110 |
| Total risk-based capital ratio | 12.0261% | 5,045 |
| Memoranda: | ||
| Average total assets | $639,875,000 | 1,132 |
| Average earning assets | $611,250,500 | 1,099 |
| Average equity | $57,438,750 | 1,370 |
| Average total loans | $511,891,000 | 1,024 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 1,044 |
| Cost of funding earning assets | 0.5417% | 2,678 |
| Net interest margin | 4.3483% | 942 |
| Noninterest income to average assets | 1.6598% | 367 |
| Noninterest expense to average assets | 4.3404% | 347 |
| Loan and lease loss provision to assets | 0.3812% | 326 |
| Net operating income to assets | 1.0872% | 2,630 |
| Return on assets (ROA) | 1.0872% | 2,641 |
| Pretax return on assets | 1.0872% | 3,365 |
| Return on Equity (ROE) | 12.0643% | 1,701 |
| Retained earnings to average equity (ytd only) | 5.8121% | 2,655 |
| Net charge-offs to loans | 0.1776% | 885 |
| Credit loss provision to net charge-offs | 267.3289% | 1,093 |
| Earnings coverage of net charge-offs (x) | 10.2980% | 2,337 |
| Efficiency ratio | 74.7209% | 1,604 |
| Assets per employee ($millions) | 3.6840% | 4,370 |
| Cash dividends to net income (ytd only)* | 51.8240% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,892 |
| Loan loss allowance to noncurrent loans | 65.3790% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.5656% | 831 |
| Noncurrent loans to loans | 1.7868% | 874 |
| Net loans and leases to total assets | 77.2889% | 1,425 |
| Net loans and leases to deposits | 85.6513% | 2,356 |
| Net loans and leases to core deposits | 96.3057% | 2,036 |
| Total domestic deposits to total assets | 90.2368% | 490 |
| Equity capital to assets | 9.0266% | 4,536 |
| Core capital (leverage) ratio | 9.3256% | 4,331 |
| Tier 1 risk-based capital ratio | 11.1497% | 4,969 |
| Total risk-based capital ratio | 12.2611% | 4,950 |
| Memoranda: | ||
| Average total assets | $635,379,000 | 1,146 |
| Average earning assets | $606,256,330 | 1,109 |
| Average equity | $57,259,670 | 1,372 |
| Average total loans | $510,003,000 | 1,028 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8094% | 1,066 |
| Cost of funding earning assets | 0.5271% | 2,571 |
| Net interest margin | 4.2823% | 976 |
| Noninterest income to average assets | 1.6315% | 372 |
| Noninterest expense to average assets | 4.4081% | 322 |
| Loan and lease loss provision to assets | 0.3826% | 301 |
| Net operating income to assets | 0.9251% | 3,183 |
| Return on assets (ROA) | 0.9251% | 3,199 |
| Pretax return on assets | 0.9251% | 3,765 |
| Return on Equity (ROE) | 10.2741% | 2,285 |
| Retained earnings to average equity (ytd only) | 4.1293% | 3,549 |
| Net charge-offs to loans | 0.1649% | 864 |
| Credit loss provision to net charge-offs | 285.3774% | 847 |
| Earnings coverage of net charge-offs (x) | 9.7547% | 1,945 |
| Efficiency ratio | 77.1214% | 1,442 |
| Assets per employee ($millions) | 3.7379% | 4,360 |
| Cash dividends to net income (ytd only)* | 59.8086% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 3,590 |
| Loan loss allowance to noncurrent loans | 58.0137% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.6060% | 842 |
| Noncurrent loans to loans | 1.8304% | 908 |
| Net loans and leases to total assets | 80.5152% | 867 |
| Net loans and leases to deposits | 89.4737% | 1,753 |
| Net loans and leases to core deposits | 100.8289% | 1,625 |
| Total domestic deposits to total assets | 89.9876% | 660 |
| Equity capital to assets | 8.9476% | 4,617 |
| Core capital (leverage) ratio | 9.1810% | 4,461 |
| Tier 1 risk-based capital ratio | 10.6551% | 5,301 |
| Total risk-based capital ratio | 11.6696% | 5,301 |
| Memoranda: | ||
| Average total assets | $632,559,500 | 1,163 |
| Average earning assets | $603,316,000 | 1,127 |
| Average equity | $56,958,500 | 1,390 |
| Average total loans | $514,358,500 | 1,021 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8663% | 858 |
| Cost of funding earning assets | 0.3835% | 3,400 |
| Net interest margin | 4.4828% | 637 |
| Noninterest income to average assets | 1.6051% | 404 |
| Noninterest expense to average assets | 4.2052% | 416 |
| Loan and lease loss provision to assets | 0.3211% | 526 |
| Net operating income to assets | 1.3518% | 1,114 |
| Return on assets (ROA) | 1.3521% | 1,133 |
| Pretax return on assets | 1.3521% | 2,161 |
| Return on Equity (ROE) | 14.8034% | 637 |
| Retained earnings to average equity (ytd only) | 5.0098% | 2,120 |
| Net charge-offs to loans | 0.3948% | 634 |
| Credit loss provision to net charge-offs | 101.2397% | 2,532 |
| Earnings coverage of net charge-offs (x) | 5.2743% | 3,353 |
| Efficiency ratio | 71.5397% | 2,300 |
| Assets per employee ($millions) | 3.6398% | 4,518 |
| Cash dividends to net income (ytd only)* | 66.1578% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,974 |
| Loan loss allowance to noncurrent loans | 52.1002% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.6715% | 776 |
| Noncurrent loans to loans | 1.9126% | 812 |
| Net loans and leases to total assets | 80.4381% | 901 |
| Net loans and leases to deposits | 91.6967% | 1,569 |
| Net loans and leases to core deposits | 101.3044% | 1,606 |
| Total domestic deposits to total assets | 87.7219% | 1,647 |
| Equity capital to assets | 9.0618% | 4,654 |
| Core capital (leverage) ratio | 9.2456% | 4,353 |
| Tier 1 risk-based capital ratio | 10.7150% | 5,294 |
| Total risk-based capital ratio | 11.6720% | 5,308 |
| Memoranda: | ||
| Average total assets | $610,369,400 | 1,174 |
| Average earning assets | $581,801,600 | 1,143 |
| Average equity | $55,750,600 | 1,396 |
| Average total loans | $490,330,200 | 1,048 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9124% | 739 |
| Cost of funding earning assets | 0.3536% | 3,626 |
| Net interest margin | 4.5588% | 528 |
| Noninterest income to average assets | 1.6252% | 419 |
| Noninterest expense to average assets | 4.2042% | 406 |
| Loan and lease loss provision to assets | 0.4272% | 313 |
| Net operating income to assets | 1.3431% | 1,214 |
| Return on assets (ROA) | 1.3436% | 1,236 |
| Pretax return on assets | 1.3436% | 2,310 |
| Return on Equity (ROE) | 14.6795% | 706 |
| Retained earnings to average equity (ytd only) | 5.8987% | 2,309 |
| Net charge-offs to loans | 0.1916% | 1,105 |
| Credit loss provision to net charge-offs | 278.3357% | 1,048 |
| Earnings coverage of net charge-offs (x) | 11.5351% | 2,497 |
| Efficiency ratio | 70.3693% | 2,477 |
| Assets per employee ($millions) | 3.5684% | 4,623 |
| Cash dividends to net income (ytd only)* | 59.8165% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,512 |
| Loan loss allowance to noncurrent loans | 44.1201% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.4413% | 457 |
| Noncurrent loans to loans | 2.8819% | 460 |
| Net loans and leases to total assets | 79.9307% | 994 |
| Net loans and leases to deposits | 93.3432% | 1,374 |
| Net loans and leases to core deposits | 101.5405% | 1,577 |
| Total domestic deposits to total assets | 85.6309% | 2,467 |
| Equity capital to assets | 9.3297% | 4,622 |
| Core capital (leverage) ratio | 9.4232% | 4,261 |
| Tier 1 risk-based capital ratio | 10.9009% | 5,297 |
| Total risk-based capital ratio | 12.1146% | 5,214 |
| Memoranda: | ||
| Average total assets | $605,540,750 | 1,191 |
| Average earning assets | $577,711,250 | 1,158 |
| Average equity | $55,423,000 | 1,415 |
| Average total loans | $485,011,750 | 1,063 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6214% | 1,213 |
| Cost of funding earning assets | 0.3181% | 3,899 |
| Net interest margin | 4.3033% | 849 |
| Noninterest income to average assets | 1.6669% | 410 |
| Noninterest expense to average assets | 4.2017% | 411 |
| Loan and lease loss provision to assets | 0.4290% | 294 |
| Net operating income to assets | 1.1437% | 1,806 |
| Return on assets (ROA) | 1.1443% | 1,857 |
| Pretax return on assets | 1.1443% | 2,998 |
| Return on Equity (ROE) | 12.5853% | 1,146 |
| Retained earnings to average equity (ytd only) | 4.3751% | 3,101 |
| Net charge-offs to loans | 0.0748% | 1,871 |
| Credit loss provision to net charge-offs | 718.3333% | 488 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,580 |
| Efficiency ratio | 72.7649% | 2,220 |
| Assets per employee ($millions) | 3.5170% | 4,697 |
| Cash dividends to net income (ytd only)* | 65.2363% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,454 |
| Loan loss allowance to noncurrent loans | 36.1575% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.9911% | 308 |
| Noncurrent loans to loans | 3.5717% | 308 |
| Net loans and leases to total assets | 79.5764% | 1,011 |
| Net loans and leases to deposits | 92.4919% | 1,433 |
| Net loans and leases to core deposits | 98.7292% | 1,750 |
| Total domestic deposits to total assets | 86.0360% | 2,364 |
| Equity capital to assets | 9.4511% | 4,453 |
| Core capital (leverage) ratio | 9.3327% | 4,323 |
| Tier 1 risk-based capital ratio | 11.0111% | 5,244 |
| Total risk-based capital ratio | 12.2390% | 5,157 |
| Memoranda: | ||
| Average total assets | $602,800,330 | 1,200 |
| Average earning assets | $575,369,000 | 1,169 |
| Average equity | $54,810,000 | 1,429 |
| Average total loans | $481,048,330 | 1,073 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 1,465 |
| Cost of funding earning assets | 0.2939% | 4,108 |
| Net interest margin | 4.1679% | 1,049 |
| Noninterest income to average assets | 1.5861% | 446 |
| Noninterest expense to average assets | 4.1449% | 454 |
| Loan and lease loss provision to assets | 0.4257% | 258 |
| Net operating income to assets | 0.9970% | 2,318 |
| Return on assets (ROA) | 0.9970% | 2,370 |
| Pretax return on assets | 0.9970% | 3,383 |
| Return on Equity (ROE) | 11.1809% | 1,505 |
| Retained earnings to average equity (ytd only) | 4.4561% | 3,197 |
| Net charge-offs to loans | 0.2805% | 645 |
| Credit loss provision to net charge-offs | 191.1243% | 1,037 |
| Earnings coverage of net charge-offs (x) | 6.3876% | 2,219 |
| Efficiency ratio | 74.4467% | 2,154 |
| Assets per employee ($millions) | 3.6400% | 4,589 |
| Cash dividends to net income (ytd only)* | 60.1454% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,653 |
| Loan loss allowance to noncurrent loans | 27.7947% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 3.2052% | 293 |
| Noncurrent loans to loans | 3.9960% | 257 |
| Net loans and leases to total assets | 79.3202% | 927 |
| Net loans and leases to deposits | 88.1449% | 1,775 |
| Net loans and leases to core deposits | 94.3808% | 1,950 |
| Total domestic deposits to total assets | 89.9883% | 659 |
| Equity capital to assets | 9.0283% | 4,779 |
| Core capital (leverage) ratio | 9.1775% | 4,515 |
| Tier 1 risk-based capital ratio | 10.7740% | 5,427 |
| Total risk-based capital ratio | 11.8304% | 5,428 |
| Memoranda: | ||
| Average total assets | $607,018,000 | 1,197 |
| Average earning assets | $579,862,000 | 1,163 |
| Average equity | $54,128,000 | 1,439 |
| Average total loans | $481,991,500 | 1,058 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 1,293 |
| Cost of funding earning assets | 0.2777% | 4,273 |
| Net interest margin | 4.3174% | 907 |
| Noninterest income to average assets | 1.7166% | 411 |
| Noninterest expense to average assets | 4.1651% | 501 |
| Loan and lease loss provision to assets | 0.3622% | 459 |
| Net operating income to assets | 1.2878% | 1,240 |
| Return on assets (ROA) | 1.2883% | 1,312 |
| Pretax return on assets | 1.2883% | 2,318 |
| Return on Equity (ROE) | 14.5795% | 692 |
| Retained earnings to average equity (ytd only) | 4.0090% | 3,066 |
| Net charge-offs to loans | 0.3627% | 753 |
| Credit loss provision to net charge-offs | 124.5743% | 2,144 |
| Earnings coverage of net charge-offs (x) | 5.6754% | 3,303 |
| Efficiency ratio | 71.6264% | 2,644 |
| Assets per employee ($millions) | 3.5871% | 4,630 |
| Cash dividends to net income (ytd only)* | 72.5026% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,959 |
| Loan loss allowance to noncurrent loans | 32.9033% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.5469% | 466 |
| Noncurrent loans to loans | 3.2179% | 394 |
| Net loans and leases to total assets | 77.7704% | 1,234 |
| Net loans and leases to deposits | 86.2000% | 2,138 |
| Net loans and leases to core deposits | 92.1354% | 2,289 |
| Total domestic deposits to total assets | 90.2209% | 552 |
| Equity capital to assets | 8.8068% | 5,002 |
| Core capital (leverage) ratio | 9.0724% | 4,655 |
| Tier 1 risk-based capital ratio | 10.8488% | 5,410 |
| Total risk-based capital ratio | 11.8630% | 5,443 |
| Memoranda: | ||
| Average total assets | $606,085,000 | 1,158 |
| Average earning assets | $575,343,200 | 1,129 |
| Average equity | $53,554,800 | 1,435 |
| Average total loans | $485,852,400 | 997 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 1,204 |
| Cost of funding earning assets | 0.2780% | 4,314 |
| Net interest margin | 4.3655% | 827 |
| Noninterest income to average assets | 1.7223% | 424 |
| Noninterest expense to average assets | 4.2718% | 459 |
| Loan and lease loss provision to assets | 0.3635% | 431 |
| Net operating income to assets | 1.2252% | 1,540 |
| Return on assets (ROA) | 1.2259% | 1,635 |
| Pretax return on assets | 1.2259% | 2,726 |
| Return on Equity (ROE) | 13.8618% | 854 |
| Retained earnings to average equity (ytd only) | 4.4670% | 3,157 |
| Net charge-offs to loans | 0.2106% | 1,108 |
| Credit loss provision to net charge-offs | 214.2857% | 1,369 |
| Earnings coverage of net charge-offs (x) | 9.3649% | 2,682 |
| Efficiency ratio | 72.8910% | 2,452 |
| Assets per employee ($millions) | 3.4212% | 4,882 |
| Cash dividends to net income (ytd only)* | 67.7749% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 3,560 |
| Loan loss allowance to noncurrent loans | 40.4128% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 2.5367% | 530 |
| Noncurrent loans to loans | 2.8373% | 562 |
| Net loans and leases to total assets | 80.4361% | 827 |
| Net loans and leases to deposits | 89.7708% | 1,787 |
| Net loans and leases to core deposits | 96.6449% | 1,927 |
| Total domestic deposits to total assets | 89.6016% | 621 |
| Equity capital to assets | 9.2454% | 4,927 |
| Core capital (leverage) ratio | 9.1063% | 4,709 |
| Tier 1 risk-based capital ratio | 10.7184% | 5,515 |
| Total risk-based capital ratio | 11.8170% | 5,509 |
| Memoranda: | ||
| Average total assets | $605,156,250 | 1,160 |
| Average earning assets | $573,672,000 | 1,134 |
| Average equity | $53,517,500 | 1,444 |
| Average total loans | $487,485,750 | 998 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6312% | 1,202 |
| Cost of funding earning assets | 0.2758% | 4,386 |
| Net interest margin | 4.3554% | 843 |
| Noninterest income to average assets | 1.6529% | 456 |
| Noninterest expense to average assets | 4.2727% | 458 |
| Loan and lease loss provision to assets | 0.3609% | 447 |
| Net operating income to assets | 1.1378% | 1,815 |
| Return on assets (ROA) | 1.1388% | 1,930 |
| Pretax return on assets | 1.1388% | 3,047 |
| Return on Equity (ROE) | 13.0693% | 1,013 |
| Retained earnings to average equity (ytd only) | 3.0311% | 3,987 |
| Net charge-offs to loans | 0.1892% | 1,214 |
| Credit loss provision to net charge-offs | 237.5810% | 1,148 |
| Earnings coverage of net charge-offs (x) | 9.8661% | 2,375 |
| Efficiency ratio | 74.0322% | 2,352 |
| Assets per employee ($millions) | 3.4223% | 4,882 |
| Cash dividends to net income (ytd only)* | 76.8078% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 3,997 |
| Loan loss allowance to noncurrent loans | 60.3866% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 1,080 |
| Noncurrent loans to loans | 1.8044% | 1,142 |
| Net loans and leases to total assets | 79.5608% | 975 |
| Net loans and leases to deposits | 90.9975% | 1,631 |
| Net loans and leases to core deposits | 98.8737% | 1,733 |
| Total domestic deposits to total assets | 87.4318% | 1,700 |
| Equity capital to assets | 8.9462% | 5,277 |
| Core capital (leverage) ratio | 8.6795% | 5,187 |
| Tier 1 risk-based capital ratio | 10.5634% | 5,646 |
| Total risk-based capital ratio | 11.6166% | 5,652 |
| Memoranda: | ||
| Average total assets | $609,588,330 | 1,162 |
| Average earning assets | $576,432,000 | 1,136 |
| Average equity | $53,116,670 | 1,454 |
| Average total loans | $489,450,670 | 995 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 1,251 |
| Cost of funding earning assets | 0.2683% | 4,519 |
| Net interest margin | 4.3371% | 853 |
| Noninterest income to average assets | 1.6953% | 426 |
| Noninterest expense to average assets | 4.2856% | 460 |
| Loan and lease loss provision to assets | 0.3588% | 411 |
| Net operating income to assets | 1.1415% | 1,744 |
| Return on assets (ROA) | 1.1435% | 1,855 |
| Pretax return on assets | 1.1435% | 2,921 |
| Return on Equity (ROE) | 13.2973% | 971 |
| Retained earnings to average equity (ytd only) | -0.3186% | 5,167 |
| Net charge-offs to loans | 0.0276% | 2,385 |
| Credit loss provision to net charge-offs | 1,617.6471% | 256 |
| Earnings coverage of net charge-offs (x) | 67.6471% | 718 |
| Efficiency ratio | 74.0699% | 2,464 |
| Assets per employee ($millions) | 3.4174% | 4,935 |
| Cash dividends to net income (ytd only)* | 102.3959% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 4,424 |
| Loan loss allowance to noncurrent loans | 28.3531% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 3.1676% | 385 |
| Noncurrent loans to loans | 3.6459% | 360 |
| Net loans and leases to total assets | 79.8336% | 841 |
| Net loans and leases to deposits | 90.8773% | 1,476 |
| Net loans and leases to core deposits | 102.1013% | 1,326 |
| Total domestic deposits to total assets | 87.8477% | 1,726 |
| Equity capital to assets | 8.5401% | 5,540 |
| Core capital (leverage) ratio | 8.4626% | 5,423 |
| Tier 1 risk-based capital ratio | 10.0400% | 5,903 |
| Total risk-based capital ratio | 11.0339% | 5,926 |
| Memoranda: | ||
| Average total assets | $613,221,000 | 1,149 |
| Average earning assets | $578,360,000 | 1,126 |
| Average equity | $52,732,500 | 1,459 |
| Average total loans | $491,930,000 | 988 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 1,939 |
| Cost of funding earning assets | 0.2844% | 4,422 |
| Net interest margin | 4.1049% | 1,401 |
| Noninterest income to average assets | 1.7618% | 430 |
| Noninterest expense to average assets | 4.1926% | 546 |
| Loan and lease loss provision to assets | 0.3390% | 454 |
| Net operating income to assets | 1.0510% | 2,120 |
| Return on assets (ROA) | 1.0550% | 2,193 |
| Pretax return on assets | 1.0550% | 3,246 |
| Return on Equity (ROE) | 11.8861% | 1,332 |
| Retained earnings to average equity (ytd only) | -0.1477% | 5,534 |
| Net charge-offs to loans | 0.3365% | 883 |
| Credit loss provision to net charge-offs | 135.9281% | 1,928 |
| Earnings coverage of net charge-offs (x) | 5.5729% | 3,363 |
| Efficiency ratio | 75.1003% | 2,412 |
| Assets per employee ($millions) | 3.3961% | 4,985 |
| Cash dividends to net income (ytd only)* | 101.2427% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 4,826 |
| Loan loss allowance to noncurrent loans | 32.7224% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 2.5661% | 594 |
| Noncurrent loans to loans | 2.9256% | 562 |
| Net loans and leases to total assets | 79.0024% | 993 |
| Net loans and leases to deposits | 87.7913% | 1,902 |
| Net loans and leases to core deposits | 97.8698% | 1,684 |
| Total domestic deposits to total assets | 89.9889% | 637 |
| Equity capital to assets | 8.6594% | 5,417 |
| Core capital (leverage) ratio | 8.7690% | 5,145 |
| Tier 1 risk-based capital ratio | 10.3399% | 5,846 |
| Total risk-based capital ratio | 11.2604% | 5,898 |
| Memoranda: | ||
| Average total assets | $602,567,000 | 1,127 |
| Average earning assets | $560,862,200 | 1,121 |
| Average equity | $53,482,600 | 1,398 |
| Average total loans | $446,710,800 | 1,032 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 2,033 |
| Cost of funding earning assets | 0.2898% | 4,455 |
| Net interest margin | 4.0743% | 1,479 |
| Noninterest income to average assets | 1.7570% | 429 |
| Noninterest expense to average assets | 4.2336% | 524 |
| Loan and lease loss provision to assets | 0.3065% | 468 |
| Net operating income to assets | 0.9990% | 2,474 |
| Return on assets (ROA) | 1.0032% | 2,548 |
| Pretax return on assets | 1.0032% | 3,603 |
| Return on Equity (ROE) | 11.2339% | 1,614 |
| Retained earnings to average equity (ytd only) | 3.4467% | 4,017 |
| Net charge-offs to loans | 0.3968% | 646 |
| Credit loss provision to net charge-offs | 106.2260% | 2,166 |
| Earnings coverage of net charge-offs (x) | 4.5250% | 3,333 |
| Efficiency ratio | 76.4313% | 2,171 |
| Assets per employee ($millions) | 3.3021% | 5,124 |
| Cash dividends to net income (ytd only)* | 69.3192% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 5,141 |
| Loan loss allowance to noncurrent loans | 34.6132% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 2.2584% | 825 |
| Noncurrent loans to loans | 2.6455% | 739 |
| Net loans and leases to total assets | 75.7301% | 1,426 |
| Net loans and leases to deposits | 84.4677% | 2,347 |
| Net loans and leases to core deposits | 96.9914% | 1,796 |
| Total domestic deposits to total assets | 89.6556% | 710 |
| Equity capital to assets | 9.0927% | 5,217 |
| Core capital (leverage) ratio | 9.0456% | 4,941 |
| Tier 1 risk-based capital ratio | 11.4013% | 5,427 |
| Total risk-based capital ratio | 12.2909% | 5,534 |
| Memoranda: | ||
| Average total assets | $601,235,500 | 1,144 |
| Average earning assets | $558,124,500 | 1,127 |
| Average equity | $53,693,250 | 1,399 |
| Average total loans | $437,165,500 | 1,051 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 2,249 |
| Cost of funding earning assets | 0.2943% | 4,451 |
| Net interest margin | 3.9841% | 1,685 |
| Noninterest income to average assets | 1.6889% | 473 |
| Noninterest expense to average assets | 4.1649% | 571 |
| Loan and lease loss provision to assets | 0.2387% | 763 |
| Net operating income to assets | 0.9800% | 2,500 |
| Return on assets (ROA) | 0.9864% | 2,572 |
| Pretax return on assets | 0.9864% | 3,639 |
| Return on Equity (ROE) | 11.1115% | 1,647 |
| Retained earnings to average equity (ytd only) | 3.5418% | 3,772 |
| Net charge-offs to loans | 0.4398% | 583 |
| Credit loss provision to net charge-offs | 75.9240% | 2,385 |
| Earnings coverage of net charge-offs (x) | 3.8765% | 3,124 |
| Efficiency ratio | 77.3619% | 2,150 |
| Assets per employee ($millions) | 3.0719% | 5,509 |
| Cash dividends to net income (ytd only)* | 68.1252% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 5,238 |
| Loan loss allowance to noncurrent loans | 34.5276% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 2.1958% | 961 |
| Noncurrent loans to loans | 2.6517% | 825 |
| Net loans and leases to total assets | 71.8323% | 2,015 |
| Net loans and leases to deposits | 80.1428% | 2,764 |
| Net loans and leases to core deposits | 89.2404% | 2,428 |
| Total domestic deposits to total assets | 89.6304% | 826 |
| Equity capital to assets | 9.2493% | 4,958 |
| Core capital (leverage) ratio | 8.9190% | 5,068 |
| Tier 1 risk-based capital ratio | 12.2001% | 5,002 |
| Total risk-based capital ratio | 13.0890% | 5,153 |
| Memoranda: | ||
| Average total assets | $602,421,330 | 1,146 |
| Average earning assets | $558,675,670 | 1,126 |
| Average equity | $53,476,000 | 1,415 |
| Average total loans | $430,619,000 | 1,066 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 2,260 |
| Cost of funding earning assets | 0.2954% | 4,488 |
| Net interest margin | 3.9581% | 1,695 |
| Noninterest income to average assets | 1.6371% | 468 |
| Noninterest expense to average assets | 4.1046% | 619 |
| Loan and lease loss provision to assets | 0.2341% | 735 |
| Net operating income to assets | 0.9598% | 2,446 |
| Return on assets (ROA) | 0.9598% | 2,582 |
| Pretax return on assets | 0.9598% | 3,650 |
| Return on Equity (ROE) | 11.0330% | 1,621 |
| Retained earnings to average equity (ytd only) | 1.9841% | 4,680 |
| Net charge-offs to loans | 0.1041% | 1,695 |
| Credit loss provision to net charge-offs | 316.8142% | 781 |
| Earnings coverage of net charge-offs (x) | 16.1593% | 1,590 |
| Efficiency ratio | 77.4679% | 2,273 |
| Assets per employee ($millions) | 3.2506% | 5,325 |
| Cash dividends to net income (ytd only)* | 82.0163% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 4,919 |
| Loan loss allowance to noncurrent loans | 39.8369% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 2.0467% | 1,156 |
| Noncurrent loans to loans | 2.5598% | 941 |
| Net loans and leases to total assets | 68.6782% | 2,336 |
| Net loans and leases to deposits | 76.1401% | 3,034 |
| Net loans and leases to core deposits | 85.7849% | 2,574 |
| Total domestic deposits to total assets | 90.1998% | 650 |
| Equity capital to assets | 8.6750% | 5,595 |
| Core capital (leverage) ratio | 8.4248% | 5,598 |
| Tier 1 risk-based capital ratio | 11.9844% | 5,248 |
| Total risk-based capital ratio | 12.9770% | 5,325 |
| Memoranda: | ||
| Average total assets | $611,803,000 | 1,132 |
| Average earning assets | $565,929,000 | 1,119 |
| Average equity | $53,222,000 | 1,424 |
| Average total loans | $434,361,000 | 1,059 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 2,468 |
| Cost of funding earning assets | 0.3544% | 4,207 |
| Net interest margin | 3.9829% | 1,945 |
| Noninterest income to average assets | 1.7056% | 439 |
| Noninterest expense to average assets | 4.0111% | 746 |
| Loan and lease loss provision to assets | 0.2638% | 839 |
| Net operating income to assets | 1.1251% | 1,880 |
| Return on assets (ROA) | 1.1282% | 1,927 |
| Pretax return on assets | 1.1282% | 2,975 |
| Return on Equity (ROE) | 12.9830% | 1,141 |
| Retained earnings to average equity (ytd only) | 2.7627% | 4,273 |
| Net charge-offs to loans | 0.3360% | 1,306 |
| Credit loss provision to net charge-offs | 111.9694% | 2,125 |
| Earnings coverage of net charge-offs (x) | 5.8942% | 3,329 |
| Efficiency ratio | 74.2796% | 2,792 |
| Assets per employee ($millions) | 3.2580% | 5,335 |
| Cash dividends to net income (ytd only)* | 78.7209% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 5,375 |
| Loan loss allowance to noncurrent loans | 33.2550% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 2.2974% | 1,042 |
| Noncurrent loans to loans | 2.7879% | 849 |
| Net loans and leases to total assets | 71.9482% | 1,920 |
| Net loans and leases to deposits | 79.7786% | 2,746 |
| Net loans and leases to core deposits | 84.2390% | 2,876 |
| Total domestic deposits to total assets | 90.1848% | 656 |
| Equity capital to assets | 8.7237% | 5,560 |
| Core capital (leverage) ratio | 8.6427% | 5,394 |
| Tier 1 risk-based capital ratio | 12.0775% | 5,309 |
| Total risk-based capital ratio | 13.0262% | 5,417 |
| Memoranda: | ||
| Average total assets | $609,826,000 | 1,088 |
| Average earning assets | $565,665,400 | 1,072 |
| Average equity | $52,992,200 | 1,381 |
| Average total loans | $427,716,000 | 1,028 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 2,516 |
| Cost of funding earning assets | 0.3709% | 4,119 |
| Net interest margin | 3.9560% | 2,014 |
| Noninterest income to average assets | 1.7235% | 439 |
| Noninterest expense to average assets | 3.9990% | 756 |
| Loan and lease loss provision to assets | 0.2479% | 876 |
| Net operating income to assets | 1.1419% | 1,888 |
| Return on assets (ROA) | 1.1460% | 1,940 |
| Pretax return on assets | 1.1460% | 3,006 |
| Return on Equity (ROE) | 13.2013% | 1,171 |
| Retained earnings to average equity (ytd only) | 5.1491% | 2,988 |
| Net charge-offs to loans | 0.2506% | 1,541 |
| Credit loss provision to net charge-offs | 142.2836% | 1,659 |
| Earnings coverage of net charge-offs (x) | 7.9774% | 2,869 |
| Efficiency ratio | 74.2100% | 2,788 |
| Assets per employee ($millions) | 3.2824% | 5,268 |
| Cash dividends to net income (ytd only)* | 60.9956% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 5,086 |
| Loan loss allowance to noncurrent loans | 29.3103% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 2.9533% | 809 |
| Noncurrent loans to loans | 3.5086% | 682 |
| Net loans and leases to total assets | 67.9938% | 2,532 |
| Net loans and leases to deposits | 75.7020% | 3,213 |
| Net loans and leases to core deposits | 79.8195% | 3,330 |
| Total domestic deposits to total assets | 89.8177% | 812 |
| Equity capital to assets | 8.9019% | 5,458 |
| Core capital (leverage) ratio | 8.7645% | 5,375 |
| Tier 1 risk-based capital ratio | 13.0631% | 4,830 |
| Total risk-based capital ratio | 14.1187% | 4,858 |
| Memoranda: | ||
| Average total assets | $609,969,750 | 1,097 |
| Average earning assets | $565,133,750 | 1,082 |
| Average equity | $52,953,000 | 1,387 |
| Average total loans | $424,033,250 | 1,036 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 2,220 |
| Cost of funding earning assets | 0.3933% | 3,941 |
| Net interest margin | 3.9937% | 1,822 |
| Noninterest income to average assets | 1.7478% | 423 |
| Noninterest expense to average assets | 4.0195% | 742 |
| Loan and lease loss provision to assets | 0.2144% | 1,099 |
| Net operating income to assets | 1.2076% | 1,560 |
| Return on assets (ROA) | 1.2040% | 1,644 |
| Pretax return on assets | 1.2040% | 2,653 |
| Return on Equity (ROE) | 13.9856% | 956 |
| Retained earnings to average equity (ytd only) | 7.4787% | 1,529 |
| Net charge-offs to loans | 0.3835% | 1,048 |
| Credit loss provision to net charge-offs | 80.0977% | 2,332 |
| Earnings coverage of net charge-offs (x) | 5.3126% | 2,948 |
| Efficiency ratio | 73.8679% | 2,997 |
| Assets per employee ($millions) | 3.2326% | 5,369 |
| Cash dividends to net income (ytd only)* | 46.5255% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 5,749 |
| Loan loss allowance to noncurrent loans | 56.6807% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 1.8035% | 1,796 |
| Noncurrent loans to loans | 1.5678% | 2,210 |
| Net loans and leases to total assets | 69.8749% | 2,107 |
| Net loans and leases to deposits | 78.8245% | 2,688 |
| Net loans and leases to core deposits | 83.2114% | 2,826 |
| Total domestic deposits to total assets | 88.6462% | 1,567 |
| Equity capital to assets | 8.9482% | 5,357 |
| Core capital (leverage) ratio | 8.5646% | 5,571 |
| Tier 1 risk-based capital ratio | 12.6785% | 5,098 |
| Total risk-based capital ratio | 13.5846% | 5,259 |
| Memoranda: | ||
| Average total assets | $611,972,670 | 1,098 |
| Average earning assets | $565,985,330 | 1,081 |
| Average equity | $52,682,670 | 1,379 |
| Average total loans | $427,070,000 | 1,027 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 2,243 |
| Cost of funding earning assets | 0.4045% | 3,920 |
| Net interest margin | 3.9717% | 1,850 |
| Noninterest income to average assets | 1.7482% | 416 |
| Noninterest expense to average assets | 3.9940% | 763 |
| Loan and lease loss provision to assets | 0.2125% | 1,081 |
| Net operating income to assets | 1.1871% | 1,519 |
| Return on assets (ROA) | 1.1806% | 1,602 |
| Pretax return on assets | 1.1806% | 2,569 |
| Return on Equity (ROE) | 13.9823% | 948 |
| Retained earnings to average equity (ytd only) | 8.5030% | 1,415 |
| Net charge-offs to loans | 0.4003% | 910 |
| Credit loss provision to net charge-offs | 76.4569% | 1,938 |
| Earnings coverage of net charge-offs (x) | 5.0350% | 2,434 |
| Efficiency ratio | 74.0509% | 3,132 |
| Assets per employee ($millions) | 3.5340% | 4,856 |
| Cash dividends to net income (ytd only)* | 39.1877% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 5,885 |
| Loan loss allowance to noncurrent loans | 104.4748% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2601% | 2,755 |
| Noncurrent loans to loans | 0.8555% | 3,755 |
| Net loans and leases to total assets | 66.0091% | 2,564 |
| Net loans and leases to deposits | 73.5941% | 3,115 |
| Net loans and leases to core deposits | 77.4481% | 3,257 |
| Total domestic deposits to total assets | 89.6935% | 1,246 |
| Equity capital to assets | 8.1818% | 5,917 |
| Core capital (leverage) ratio | 8.4694% | 5,678 |
| Tier 1 risk-based capital ratio | 12.3325% | 5,418 |
| Total risk-based capital ratio | 13.2433% | 5,580 |
| Memoranda: | ||
| Average total assets | $617,327,500 | 1,107 |
| Average earning assets | $566,602,000 | 1,093 |
| Average equity | $52,123,000 | 1,390 |
| Average total loans | $428,655,500 | 1,031 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 2,172 |
| Cost of funding earning assets | 0.5661% | 2,966 |
| Net interest margin | 3.9435% | 2,125 |
| Noninterest income to average assets | 1.5637% | 587 |
| Noninterest expense to average assets | 4.0114% | 862 |
| Loan and lease loss provision to assets | 0.1378% | 2,584 |
| Net operating income to assets | 1.0352% | 2,182 |
| Return on assets (ROA) | 1.0390% | 2,228 |
| Pretax return on assets | 1.0390% | 3,194 |
| Return on Equity (ROE) | 11.4948% | 1,596 |
| Retained earnings to average equity (ytd only) | -0.5289% | 5,980 |
| Net charge-offs to loans | 0.3879% | 1,737 |
| Credit loss provision to net charge-offs | 51.4340% | 3,780 |
| Earnings coverage of net charge-offs (x) | 4.3786% | 3,585 |
| Efficiency ratio | 77.2684% | 2,578 |
| Assets per employee ($millions) | 3.2677% | 5,349 |
| Cash dividends to net income (ytd only)* | 104.6015% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 5,874 |
| Loan loss allowance to noncurrent loans | 125.1194% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 2,843 |
| Noncurrent loans to loans | 0.7323% | 4,127 |
| Net loans and leases to total assets | 71.8535% | 1,706 |
| Net loans and leases to deposits | 80.7541% | 2,352 |
| Net loans and leases to core deposits | 85.6224% | 2,494 |
| Total domestic deposits to total assets | 88.9782% | 1,647 |
| Equity capital to assets | 8.7277% | 5,335 |
| Core capital (leverage) ratio | 8.7464% | 5,361 |
| Tier 1 risk-based capital ratio | 12.0242% | 5,600 |
| Total risk-based capital ratio | 12.9555% | 5,734 |
| Memoranda: | ||
| Average total assets | $585,656,600 | 1,136 |
| Average earning assets | $537,723,600 | 1,126 |
| Average equity | $52,937,200 | 1,340 |
| Average total loans | $404,442,200 | 1,057 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 2,328 |
| Cost of funding earning assets | 0.5929% | 2,869 |
| Net interest margin | 3.8820% | 2,337 |
| Noninterest income to average assets | 1.4894% | 666 |
| Noninterest expense to average assets | 4.0635% | 797 |
| Loan and lease loss provision to assets | 0.1424% | 2,505 |
| Net operating income to assets | 0.8515% | 3,091 |
| Return on assets (ROA) | 0.8565% | 3,180 |
| Pretax return on assets | 0.8565% | 4,067 |
| Return on Equity (ROE) | 9.3941% | 2,446 |
| Retained earnings to average equity (ytd only) | 2.8986% | 4,591 |
| Net charge-offs to loans | 0.3090% | 1,993 |
| Credit loss provision to net charge-offs | 67.6056% | 3,112 |
| Earnings coverage of net charge-offs (x) | 4.7183% | 3,372 |
| Efficiency ratio | 80.2031% | 2,064 |
| Assets per employee ($millions) | 3.3451% | 5,196 |
| Cash dividends to net income (ytd only)* | 69.1447% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 5,433 |
| Loan loss allowance to noncurrent loans | 85.4005% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.8485% | 2,204 |
| Noncurrent loans to loans | 1.2560% | 3,299 |
| Net loans and leases to total assets | 70.0104% | 1,964 |
| Net loans and leases to deposits | 80.1749% | 2,381 |
| Net loans and leases to core deposits | 85.4017% | 2,479 |
| Total domestic deposits to total assets | 87.3221% | 2,496 |
| Equity capital to assets | 9.2324% | 4,896 |
| Core capital (leverage) ratio | 9.1842% | 4,857 |
| Tier 1 risk-based capital ratio | 12.8273% | 5,241 |
| Total risk-based capital ratio | 13.9072% | 5,300 |
| Memoranda: | ||
| Average total assets | $584,205,250 | 1,151 |
| Average earning assets | $536,963,250 | 1,144 |
| Average equity | $53,266,250 | 1,346 |
| Average total loans | $398,323,750 | 1,075 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 2,565 |
| Cost of funding earning assets | 0.6172% | 2,787 |
| Net interest margin | 3.7820% | 2,627 |
| Noninterest income to average assets | 1.7275% | 556 |
| Noninterest expense to average assets | 4.0693% | 801 |
| Loan and lease loss provision to assets | 0.2044% | 1,855 |
| Net operating income to assets | 0.9419% | 2,606 |
| Return on assets (ROA) | 0.9511% | 2,712 |
| Pretax return on assets | 0.9511% | 3,716 |
| Return on Equity (ROE) | 10.4750% | 2,019 |
| Retained earnings to average equity (ytd only) | 5.1379% | 2,965 |
| Net charge-offs to loans | 0.3102% | 1,944 |
| Credit loss provision to net charge-offs | 97.8758% | 2,285 |
| Earnings coverage of net charge-offs (x) | 5.4886% | 2,886 |
| Efficiency ratio | 77.8643% | 2,479 |
| Assets per employee ($millions) | 3.1946% | 5,494 |
| Cash dividends to net income (ytd only)* | 50.9508% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1683% | 5,154 |
| Loan loss allowance to noncurrent loans | 130.7714% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.8430% | 2,352 |
| Noncurrent loans to loans | 0.8934% | 4,139 |
| Net loans and leases to total assets | 69.6058% | 1,949 |
| Net loans and leases to deposits | 79.9096% | 2,334 |
| Net loans and leases to core deposits | 84.7500% | 2,460 |
| Total domestic deposits to total assets | 87.1056% | 2,753 |
| Equity capital to assets | 9.4534% | 4,643 |
| Core capital (leverage) ratio | 9.0638% | 4,891 |
| Tier 1 risk-based capital ratio | 13.2105% | 4,984 |
| Total risk-based capital ratio | 14.3906% | 4,978 |
| Memoranda: | ||
| Average total assets | $586,040,330 | 1,148 |
| Average earning assets | $540,510,670 | 1,133 |
| Average equity | $53,212,330 | 1,350 |
| Average total loans | $394,584,000 | 1,087 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 3,044 |
| Cost of funding earning assets | 0.6226% | 2,901 |
| Net interest margin | 3.6419% | 3,103 |
| Noninterest income to average assets | 1.7453% | 524 |
| Noninterest expense to average assets | 4.0556% | 832 |
| Loan and lease loss provision to assets | 0.3847% | 822 |
| Net operating income to assets | 0.6531% | 3,944 |
| Return on assets (ROA) | 0.6053% | 4,346 |
| Pretax return on assets | 0.6053% | 4,929 |
| Return on Equity (ROE) | 6.8001% | 3,594 |
| Retained earnings to average equity (ytd only) | 2.4556% | 4,799 |
| Net charge-offs to loans | 0.2329% | 2,044 |
| Credit loss provision to net charge-offs | 250.8772% | 919 |
| Earnings coverage of net charge-offs (x) | 6.7675% | 2,163 |
| Efficiency ratio | 79.4665% | 2,403 |
| Assets per employee ($millions) | 3.3027% | 5,423 |
| Cash dividends to net income (ytd only)* | 63.8889% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 4,834 |
| Loan loss allowance to noncurrent loans | 47.5363% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 3.0371% | 1,469 |
| Noncurrent loans to loans | 2.6781% | 1,913 |
| Net loans and leases to total assets | 65.6948% | 2,424 |
| Net loans and leases to deposits | 75.1024% | 2,757 |
| Net loans and leases to core deposits | 79.4333% | 2,874 |
| Total domestic deposits to total assets | 87.4737% | 2,646 |
| Equity capital to assets | 8.9365% | 5,570 |
| Core capital (leverage) ratio | 8.6268% | 5,422 |
| Tier 1 risk-based capital ratio | 13.1554% | 5,101 |
| Total risk-based capital ratio | 14.4055% | 5,055 |
| Memoranda: | ||
| Average total assets | $594,738,500 | 1,137 |
| Average earning assets | $546,755,000 | 1,128 |
| Average equity | $52,940,500 | 1,371 |
| Average total loans | $391,632,000 | 1,090 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 3,286 |
| Cost of funding earning assets | 0.8014% | 2,654 |
| Net interest margin | 3.7268% | 3,537 |
| Noninterest income to average assets | 1.6117% | 612 |
| Noninterest expense to average assets | 3.8028% | 1,248 |
| Loan and lease loss provision to assets | 0.4158% | 1,543 |
| Net operating income to assets | 0.8447% | 3,070 |
| Return on assets (ROA) | 0.8324% | 3,381 |
| Pretax return on assets | 0.8324% | 4,174 |
| Return on Equity (ROE) | 9.1648% | 2,549 |
| Retained earnings to average equity (ytd only) | 2.4160% | 4,535 |
| Net charge-offs to loans | 0.4277% | 2,526 |
| Credit loss provision to net charge-offs | 143.3677% | 1,905 |
| Earnings coverage of net charge-offs (x) | 4.3459% | 3,404 |
| Efficiency ratio | 74.9384% | 2,914 |
| Assets per employee ($millions) | 3.4000% | 5,217 |
| Cash dividends to net income (ytd only)* | 73.6387% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,070 |
| Loan loss allowance to noncurrent loans | 71.8640% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 2.3805% | 2,060 |
| Noncurrent loans to loans | 1.6841% | 3,098 |
| Net loans and leases to total assets | 64.3690% | 2,831 |
| Net loans and leases to deposits | 73.2710% | 3,216 |
| Net loans and leases to core deposits | 77.1270% | 3,382 |
| Total domestic deposits to total assets | 87.8506% | 2,320 |
| Equity capital to assets | 8.8665% | 5,667 |
| Core capital (leverage) ratio | 8.6871% | 5,347 |
| Tier 1 risk-based capital ratio | 13.3020% | 4,893 |
| Total risk-based capital ratio | 14.5261% | 4,863 |
| Memoranda: | ||
| Average total assets | $569,216,400 | 1,167 |
| Average earning assets | $527,182,800 | 1,143 |
| Average equity | $51,698,000 | 1,374 |
| Average total loans | $386,044,400 | 1,080 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 3,257 |
| Cost of funding earning assets | 0.8400% | 2,628 |
| Net interest margin | 3.7481% | 3,567 |
| Noninterest income to average assets | 1.5355% | 629 |
| Noninterest expense to average assets | 3.7855% | 1,236 |
| Loan and lease loss provision to assets | 0.4111% | 1,557 |
| Net operating income to assets | 0.8178% | 3,356 |
| Return on assets (ROA) | 0.8105% | 3,638 |
| Pretax return on assets | 0.8105% | 4,443 |
| Return on Equity (ROE) | 8.8681% | 2,865 |
| Retained earnings to average equity (ytd only) | 1.8846% | 5,394 |
| Net charge-offs to loans | 0.3651% | 2,644 |
| Credit loss provision to net charge-offs | 164.2992% | 1,696 |
| Earnings coverage of net charge-offs (x) | 4.9120% | 3,164 |
| Efficiency ratio | 75.3225% | 2,774 |
| Assets per employee ($millions) | 3.4159% | 5,174 |
| Cash dividends to net income (ytd only)* | 78.7489% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 5,169 |
| Loan loss allowance to noncurrent loans | 57.2712% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 2.9845% | 1,752 |
| Noncurrent loans to loans | 2.1378% | 2,686 |
| Net loans and leases to total assets | 63.5493% | 3,104 |
| Net loans and leases to deposits | 72.5191% | 3,530 |
| Net loans and leases to core deposits | 76.7796% | 3,630 |
| Total domestic deposits to total assets | 87.6311% | 2,271 |
| Equity capital to assets | 8.8018% | 6,013 |
| Core capital (leverage) ratio | 8.9099% | 5,181 |
| Tier 1 risk-based capital ratio | 13.4064% | 4,945 |
| Total risk-based capital ratio | 14.6433% | 4,915 |
| Memoranda: | ||
| Average total assets | $562,772,250 | 1,197 |
| Average earning assets | $522,350,000 | 1,172 |
| Average equity | $51,433,750 | 1,388 |
| Average total loans | $385,634,750 | 1,095 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6624% | 3,083 |
| Cost of funding earning assets | 0.8794% | 2,565 |
| Net interest margin | 3.7830% | 3,440 |
| Noninterest income to average assets | 1.3557% | 781 |
| Noninterest expense to average assets | 3.8350% | 1,159 |
| Loan and lease loss provision to assets | 0.3997% | 1,642 |
| Net operating income to assets | 0.6455% | 4,137 |
| Return on assets (ROA) | 0.6310% | 4,466 |
| Pretax return on assets | 0.6310% | 5,020 |
| Return on Equity (ROE) | 6.8150% | 3,876 |
| Retained earnings to average equity (ytd only) | -1.0070% | 6,213 |
| Net charge-offs to loans | 0.5394% | 1,977 |
| Credit loss provision to net charge-offs | 105.8373% | 2,572 |
| Earnings coverage of net charge-offs (x) | 2.7675% | 3,637 |
| Efficiency ratio | 78.4048% | 2,407 |
| Assets per employee ($millions) | 3.1860% | 5,676 |
| Cash dividends to net income (ytd only)* | 114.7766% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 5,983 |
| Loan loss allowance to noncurrent loans | 31.0515% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 3.4432% | 1,552 |
| Noncurrent loans to loans | 3.3658% | 1,722 |
| Net loans and leases to total assets | 68.9494% | 2,108 |
| Net loans and leases to deposits | 79.0495% | 2,518 |
| Net loans and leases to core deposits | 84.4051% | 2,638 |
| Total domestic deposits to total assets | 87.2231% | 2,635 |
| Equity capital to assets | 9.2147% | 5,445 |
| Core capital (leverage) ratio | 9.0418% | 4,854 |
| Tier 1 risk-based capital ratio | 13.0381% | 5,160 |
| Total risk-based capital ratio | 14.1023% | 5,272 |
| Memoranda: | ||
| Average total assets | $553,377,330 | 1,224 |
| Average earning assets | $515,568,330 | 1,187 |
| Average equity | $51,240,000 | 1,389 |
| Average total loans | $387,445,000 | 1,092 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 3,408 |
| Cost of funding earning assets | 0.8972% | 2,716 |
| Net interest margin | 3.7235% | 3,719 |
| Noninterest income to average assets | 1.3949% | 740 |
| Noninterest expense to average assets | 3.8417% | 1,151 |
| Loan and lease loss provision to assets | 0.4001% | 1,579 |
| Net operating income to assets | 0.6302% | 4,218 |
| Return on assets (ROA) | 0.6222% | 4,459 |
| Pretax return on assets | 0.6222% | 5,042 |
| Return on Equity (ROE) | 6.7032% | 3,947 |
| Retained earnings to average equity (ytd only) | -3.0009% | 6,396 |
| Net charge-offs to loans | -0.0990% | 6,779 |
| Credit loss provision to net charge-offs | -576.0417% | 5,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6754% | 2,404 |
| Assets per employee ($millions) | 3.2839% | 5,600 |
| Cash dividends to net income (ytd only)* | 144.7674% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,521 |
| Loan loss allowance to noncurrent loans | 27.1596% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 3.7216% | 1,513 |
| Noncurrent loans to loans | 4.3917% | 1,344 |
| Net loans and leases to total assets | 69.0345% | 1,943 |
| Net loans and leases to deposits | 79.1406% | 2,324 |
| Net loans and leases to core deposits | 84.9520% | 2,412 |
| Total domestic deposits to total assets | 87.2303% | 2,811 |
| Equity capital to assets | 9.2303% | 5,187 |
| Core capital (leverage) ratio | 9.1464% | 4,612 |
| Tier 1 risk-based capital ratio | 13.0816% | 5,146 |
| Total risk-based capital ratio | 14.3083% | 5,134 |
| Memoranda: | ||
| Average total assets | $552,883,000 | 1,233 |
| Average earning assets | $516,286,500 | 1,187 |
| Average equity | $51,318,500 | 1,381 |
| Average total loans | $388,033,000 | 1,094 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 3,019 |
| Cost of funding earning assets | 1.1360% | 2,436 |
| Net interest margin | 3.8350% | 3,649 |
| Noninterest income to average assets | 1.4418% | 628 |
| Noninterest expense to average assets | 3.8161% | 1,315 |
| Loan and lease loss provision to assets | 0.3808% | 2,715 |
| Net operating income to assets | 0.8405% | 2,872 |
| Return on assets (ROA) | 0.8262% | 3,091 |
| Pretax return on assets | 0.8262% | 3,882 |
| Return on Equity (ROE) | 9.3652% | 2,299 |
| Retained earnings to average equity (ytd only) | 5.0641% | 2,590 |
| Net charge-offs to loans | 0.6486% | 2,527 |
| Credit loss provision to net charge-offs | 80.8364% | 4,410 |
| Earnings coverage of net charge-offs (x) | 2.5928% | 3,922 |
| Efficiency ratio | 75.5733% | 2,963 |
| Assets per employee ($millions) | 3.1295% | 5,844 |
| Cash dividends to net income (ytd only)* | 45.9259% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 6,098 |
| Loan loss allowance to noncurrent loans | 21.6600% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 3.9995% | 1,435 |
| Noncurrent loans to loans | 4.7284% | 1,238 |
| Net loans and leases to total assets | 69.7796% | 2,077 |
| Net loans and leases to deposits | 80.9844% | 2,364 |
| Net loans and leases to core deposits | 86.6673% | 2,548 |
| Total domestic deposits to total assets | 86.1642% | 3,221 |
| Equity capital to assets | 9.3340% | 5,107 |
| Core capital (leverage) ratio | 9.3249% | 4,289 |
| Tier 1 risk-based capital ratio | 13.1904% | 4,923 |
| Total risk-based capital ratio | 14.2460% | 5,043 |
| Memoranda: | ||
| Average total assets | $522,894,200 | 1,280 |
| Average earning assets | $490,250,400 | 1,241 |
| Average equity | $46,128,200 | 1,481 |
| Average total loans | $379,726,800 | 1,120 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0660% | 2,772 |
| Cost of funding earning assets | 1.1813% | 2,438 |
| Net interest margin | 3.8847% | 3,458 |
| Noninterest income to average assets | 1.4464% | 629 |
| Noninterest expense to average assets | 3.8475% | 1,235 |
| Loan and lease loss provision to assets | 0.4243% | 2,346 |
| Net operating income to assets | 0.8239% | 3,051 |
| Return on assets (ROA) | 0.8241% | 3,213 |
| Pretax return on assets | 0.8241% | 4,042 |
| Return on Equity (ROE) | 9.4892% | 2,396 |
| Retained earnings to average equity (ytd only) | 5.3710% | 2,932 |
| Net charge-offs to loans | 0.1317% | 4,733 |
| Credit loss provision to net charge-offs | 440.2145% | 636 |
| Earnings coverage of net charge-offs (x) | 12.9491% | 1,658 |
| Efficiency ratio | 75.3220% | 2,957 |
| Assets per employee ($millions) | 3.1523% | 5,781 |
| Cash dividends to net income (ytd only)* | 43.3993% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 3,901 |
| Loan loss allowance to noncurrent loans | 38.6900% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 3.3530% | 1,897 |
| Noncurrent loans to loans | 3.9979% | 1,656 |
| Net loans and leases to total assets | 67.5187% | 2,570 |
| Net loans and leases to deposits | 79.0182% | 2,810 |
| Net loans and leases to core deposits | 84.8537% | 2,934 |
| Total domestic deposits to total assets | 85.4471% | 3,528 |
| Equity capital to assets | 9.4227% | 5,203 |
| Core capital (leverage) ratio | 9.4734% | 4,192 |
| Tier 1 risk-based capital ratio | 13.7271% | 4,557 |
| Total risk-based capital ratio | 14.9814% | 4,514 |
| Memoranda: | ||
| Average total assets | $515,920,250 | 1,302 |
| Average earning assets | $484,654,000 | 1,264 |
| Average equity | $44,807,500 | 1,516 |
| Average total loans | $377,579,500 | 1,138 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1968% | 2,267 |
| Cost of funding earning assets | 1.2028% | 2,564 |
| Net interest margin | 3.9940% | 2,865 |
| Noninterest income to average assets | 1.4254% | 625 |
| Noninterest expense to average assets | 3.9196% | 1,159 |
| Loan and lease loss provision to assets | 0.4892% | 2,013 |
| Net operating income to assets | 0.7642% | 3,226 |
| Return on assets (ROA) | 0.7639% | 3,357 |
| Pretax return on assets | 0.7639% | 4,164 |
| Return on Equity (ROE) | 9.0674% | 2,483 |
| Retained earnings to average equity (ytd only) | 3.6298% | 3,921 |
| Net charge-offs to loans | 0.1778% | 4,101 |
| Credit loss provision to net charge-offs | 367.7515% | 828 |
| Earnings coverage of net charge-offs (x) | 9.4231% | 1,926 |
| Efficiency ratio | 75.5877% | 3,090 |
| Assets per employee ($millions) | 3.0052% | 6,079 |
| Cash dividends to net income (ytd only)* | 59.9691% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 4,316 |
| Loan loss allowance to noncurrent loans | 55.7929% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 2.4669% | 2,703 |
| Noncurrent loans to loans | 2.6074% | 2,766 |
| Net loans and leases to total assets | 70.5901% | 2,095 |
| Net loans and leases to deposits | 81.9106% | 2,470 |
| Net loans and leases to core deposits | 88.4262% | 2,579 |
| Total domestic deposits to total assets | 86.1795% | 3,225 |
| Equity capital to assets | 8.4521% | 6,234 |
| Core capital (leverage) ratio | 8.2264% | 5,986 |
| Tier 1 risk-based capital ratio | 11.7207% | 5,993 |
| Total risk-based capital ratio | 12.9738% | 5,998 |
| Memoranda: | ||
| Average total assets | $508,213,670 | 1,329 |
| Average earning assets | $476,867,670 | 1,290 |
| Average equity | $42,812,670 | 1,561 |
| Average total loans | $380,215,670 | 1,150 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2940% | 1,882 |
| Cost of funding earning assets | 1.2113% | 2,740 |
| Net interest margin | 4.0827% | 2,332 |
| Noninterest income to average assets | 1.3938% | 669 |
| Noninterest expense to average assets | 4.0017% | 1,032 |
| Loan and lease loss provision to assets | 0.5501% | 1,574 |
| Net operating income to assets | 0.6728% | 3,646 |
| Return on assets (ROA) | 0.6728% | 3,715 |
| Pretax return on assets | 0.6728% | 4,401 |
| Return on Equity (ROE) | 7.9996% | 2,915 |
| Retained earnings to average equity (ytd only) | -0.9788% | 5,981 |
| Net charge-offs to loans | 0.0673% | 4,248 |
| Credit loss provision to net charge-offs | 1,069.2308% | 363 |
| Earnings coverage of net charge-offs (x) | 23.7692% | 1,006 |
| Efficiency ratio | 76.4127% | 3,088 |
| Assets per employee ($millions) | 3.0368% | 6,083 |
| Cash dividends to net income (ytd only)* | 112.2353% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 5,018 |
| Loan loss allowance to noncurrent loans | 41.8610% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 3.0120% | 2,294 |
| Noncurrent loans to loans | 3.1619% | 2,380 |
| Net loans and leases to total assets | 74.6638% | 1,239 |
| Net loans and leases to deposits | 86.6143% | 1,636 |
| Net loans and leases to core deposits | 93.1768% | 1,990 |
| Total domestic deposits to total assets | 86.2026% | 3,397 |
| Equity capital to assets | 8.3725% | 6,082 |
| Core capital (leverage) ratio | 8.1174% | 6,098 |
| Tier 1 risk-based capital ratio | 11.0491% | 6,477 |
| Total risk-based capital ratio | 12.3005% | 6,457 |
| Memoranda: | ||
| Average total assets | $505,379,500 | 1,336 |
| Average earning assets | $474,196,500 | 1,300 |
| Average equity | $42,502,000 | 1,562 |
| Average total loans | $386,271,000 | 1,138 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6160% | 1,835 |
| Cost of funding earning assets | 1.4966% | 2,662 |
| Net interest margin | 4.1194% | 2,483 |
| Noninterest income to average assets | 1.1811% | 1,067 |
| Noninterest expense to average assets | 3.7781% | 1,529 |
| Loan and lease loss provision to assets | 0.7939% | 2,055 |
| Net operating income to assets | 0.4596% | 4,269 |
| Return on assets (ROA) | 0.5190% | 4,162 |
| Pretax return on assets | 0.5190% | 4,554 |
| Return on Equity (ROE) | 6.2083% | 3,511 |
| Retained earnings to average equity (ytd only) | 4.7011% | 2,609 |
| Net charge-offs to loans | 1.2782% | 1,757 |
| Credit loss provision to net charge-offs | 79.1584% | 5,585 |
| Earnings coverage of net charge-offs (x) | 1.2499% | 4,852 |
| Efficiency ratio | 74.8966% | 3,226 |
| Assets per employee ($millions) | 2.9800% | 6,146 |
| Cash dividends to net income (ytd only)* | 24.2775% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 5,764 |
| Loan loss allowance to noncurrent loans | 63.7941% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 3,212 |
| Noncurrent loans to loans | 1.7937% | 3,823 |
| Net loans and leases to total assets | 76.3204% | 1,216 |
| Net loans and leases to deposits | 88.6406% | 1,702 |
| Net loans and leases to core deposits | 95.7528% | 2,043 |
| Total domestic deposits to total assets | 86.1010% | 3,308 |
| Equity capital to assets | 8.4476% | 5,924 |
| Core capital (leverage) ratio | 8.3818% | 5,573 |
| Tier 1 risk-based capital ratio | 10.9049% | 6,408 |
| Total risk-based capital ratio | 12.0880% | 6,427 |
| Memoranda: | ||
| Average total assets | $499,956,800 | 1,342 |
| Average earning assets | $467,327,000 | 1,315 |
| Average equity | $41,799,000 | 1,582 |
| Average total loans | $392,265,600 | 1,149 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6417% | 1,909 |
| Cost of funding earning assets | 1.5541% | 2,641 |
| Net interest margin | 4.0876% | 2,681 |
| Noninterest income to average assets | 1.1486% | 1,061 |
| Noninterest expense to average assets | 3.7580% | 1,462 |
| Loan and lease loss provision to assets | 0.8338% | 1,821 |
| Net operating income to assets | 0.3724% | 4,871 |
| Return on assets (ROA) | 0.3850% | 5,001 |
| Pretax return on assets | 0.3850% | 5,261 |
| Return on Equity (ROE) | 4.6171% | 4,491 |
| Retained earnings to average equity (ytd only) | 3.2714% | 4,143 |
| Net charge-offs to loans | 1.2857% | 1,588 |
| Credit loss provision to net charge-offs | 82.3266% | 5,059 |
| Earnings coverage of net charge-offs (x) | 1.1910% | 4,875 |
| Efficiency ratio | 75.5072% | 3,039 |
| Assets per employee ($millions) | 2.8665% | 6,451 |
| Cash dividends to net income (ytd only)* | 29.1466% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 5,222 |
| Loan loss allowance to noncurrent loans | 57.9251% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 2.6885% | 2,685 |
| Noncurrent loans to loans | 2.1596% | 3,496 |
| Net loans and leases to total assets | 78.1442% | 1,020 |
| Net loans and leases to deposits | 93.7626% | 1,231 |
| Net loans and leases to core deposits | 101.6912% | 1,687 |
| Total domestic deposits to total assets | 83.3426% | 4,439 |
| Equity capital to assets | 8.6507% | 6,099 |
| Core capital (leverage) ratio | 8.2465% | 5,962 |
| Tier 1 risk-based capital ratio | 10.6000% | 6,705 |
| Total risk-based capital ratio | 11.8802% | 6,674 |
| Memoranda: | ||
| Average total assets | $499,041,000 | 1,358 |
| Average earning assets | $465,851,000 | 1,329 |
| Average equity | $41,612,750 | 1,593 |
| Average total loans | $393,128,500 | 1,156 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6255% | 2,042 |
| Cost of funding earning assets | 1.6003% | 2,652 |
| Net interest margin | 4.0251% | 2,899 |
| Noninterest income to average assets | 1.1098% | 1,069 |
| Noninterest expense to average assets | 3.6934% | 1,566 |
| Loan and lease loss provision to assets | 0.9035% | 1,615 |
| Net operating income to assets | 0.2696% | 5,297 |
| Return on assets (ROA) | 0.2780% | 5,418 |
| Pretax return on assets | 0.2780% | 5,571 |
| Return on Equity (ROE) | 3.3742% | 5,069 |
| Retained earnings to average equity (ytd only) | 1.3468% | 5,209 |
| Net charge-offs to loans | 1.5813% | 1,198 |
| Credit loss provision to net charge-offs | 72.6343% | 4,902 |
| Earnings coverage of net charge-offs (x) | 0.9431% | 4,835 |
| Efficiency ratio | 75.6986% | 3,123 |
| Assets per employee ($millions) | 2.8236% | 6,523 |
| Cash dividends to net income (ytd only)* | 60.0858% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 5,413 |
| Loan loss allowance to noncurrent loans | 41.8932% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 2.8524% | 2,533 |
| Noncurrent loans to loans | 2.8820% | 2,774 |
| Net loans and leases to total assets | 77.2454% | 1,247 |
| Net loans and leases to deposits | 92.1217% | 1,513 |
| Net loans and leases to core deposits | 100.2089% | 1,994 |
| Total domestic deposits to total assets | 83.8515% | 4,175 |
| Equity capital to assets | 8.4382% | 6,244 |
| Core capital (leverage) ratio | 7.8986% | 6,383 |
| Tier 1 risk-based capital ratio | 10.4062% | 6,755 |
| Total risk-based capital ratio | 11.6607% | 6,743 |
| Memoranda: | ||
| Average total assets | $502,953,330 | 1,352 |
| Average earning assets | $469,401,330 | 1,323 |
| Average equity | $41,432,000 | 1,592 |
| Average total loans | $395,630,000 | 1,165 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5860% | 2,212 |
| Cost of funding earning assets | 1.6072% | 2,919 |
| Net interest margin | 3.9788% | 2,962 |
| Noninterest income to average assets | 1.1227% | 994 |
| Noninterest expense to average assets | 3.6102% | 1,710 |
| Loan and lease loss provision to assets | 0.6667% | 1,902 |
| Net operating income to assets | 0.5613% | 4,073 |
| Return on assets (ROA) | 0.5684% | 4,182 |
| Pretax return on assets | 0.5684% | 4,724 |
| Return on Equity (ROE) | 6.9822% | 3,350 |
| Retained earnings to average equity (ytd only) | 6.9822% | 2,140 |
| Net charge-offs to loans | 0.4784% | 2,622 |
| Credit loss provision to net charge-offs | 176.6667% | 2,065 |
| Earnings coverage of net charge-offs (x) | 3.2542% | 2,965 |
| Efficiency ratio | 74.4231% | 3,505 |
| Assets per employee ($millions) | 3.0646% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 4,042 |
| Loan loss allowance to noncurrent loans | 33.4322% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 3.8259% | 1,817 |
| Noncurrent loans to loans | 4.4122% | 1,706 |
| Net loans and leases to total assets | 77.4306% | 1,266 |
| Net loans and leases to deposits | 93.0578% | 1,469 |
| Net loans and leases to core deposits | 102.2720% | 1,873 |
| Total domestic deposits to total assets | 83.2070% | 4,520 |
| Equity capital to assets | 8.2616% | 6,350 |
| Core capital (leverage) ratio | 8.0402% | 6,177 |
| Tier 1 risk-based capital ratio | 10.2459% | 6,849 |
| Total risk-based capital ratio | 11.5192% | 6,825 |
| Memoranda: | ||
| Average total assets | $508,778,500 | 1,360 |
| Average earning assets | $475,116,500 | 1,342 |
| Average equity | $41,419,500 | 1,613 |
| Average total loans | $401,371,500 | 1,181 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9728% | 1,971 |
| Cost of funding earning assets | 1.7799% | 4,106 |
| Net interest margin | 4.1929% | 2,090 |
| Noninterest income to average assets | 0.7083% | 2,911 |
| Noninterest expense to average assets | 3.6401% | 2,057 |
| Loan and lease loss provision to assets | 1.1394% | 2,000 |
| Net operating income to assets | -0.1765% | 5,811 |
| Return on assets (ROA) | -0.2068% | 5,840 |
| Pretax return on assets | -0.2068% | 5,712 |
| Return on Equity (ROE) | -2.5673% | 5,931 |
| Retained earnings to average equity (ytd only) | -4.5790% | 5,969 |
| Net charge-offs to loans | 1.2921% | 1,925 |
| Credit loss provision to net charge-offs | 108.6445% | 5,095 |
| Earnings coverage of net charge-offs (x) | 0.9182% | 5,196 |
| Efficiency ratio | 78.8794% | 3,060 |
| Assets per employee ($millions) | 3.0290% | 6,148 |
| Cash dividends to net income (ytd only)* | -78.3582% | 7,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 4,457 |
| Loan loss allowance to noncurrent loans | 39.6164% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 3.0098% | 2,325 |
| Noncurrent loans to loans | 3.4213% | 2,231 |
| Net loans and leases to total assets | 78.1117% | 1,356 |
| Net loans and leases to deposits | 93.3620% | 1,683 |
| Net loans and leases to core deposits | 106.2436% | 3,306 |
| Total domestic deposits to total assets | 83.6654% | 4,195 |
| Equity capital to assets | 8.0218% | 6,561 |
| Core capital (leverage) ratio | 7.7005% | 6,554 |
| Tier 1 risk-based capital ratio | 9.7863% | 7,029 |
| Total risk-based capital ratio | 11.0583% | 6,996 |
| Memoranda: | ||
| Average total assets | $518,421,600 | 1,333 |
| Average earning assets | $481,546,800 | 1,311 |
| Average equity | $41,755,800 | 1,596 |
| Average total loans | $420,798,600 | 1,141 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0290% | 1,919 |
| Cost of funding earning assets | 1.8155% | 4,312 |
| Net interest margin | 4.2135% | 1,999 |
| Noninterest income to average assets | 0.8735% | 2,089 |
| Noninterest expense to average assets | 3.6734% | 1,880 |
| Loan and lease loss provision to assets | 1.2124% | 1,601 |
| Net operating income to assets | -0.0995% | 5,890 |
| Return on assets (ROA) | -0.1423% | 5,991 |
| Pretax return on assets | -0.1423% | 5,902 |
| Return on Equity (ROE) | -1.7648% | 6,061 |
| Retained earnings to average equity (ytd only) | -3.7682% | 6,075 |
| Net charge-offs to loans | 0.9899% | 1,989 |
| Credit loss provision to net charge-offs | 149.9841% | 3,206 |
| Earnings coverage of net charge-offs (x) | 1.3768% | 4,749 |
| Efficiency ratio | 76.5547% | 3,412 |
| Assets per employee ($millions) | 2.9000% | 6,405 |
| Cash dividends to net income (ytd only)* | -113.5139% | 8,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 3,017 |
| Loan loss allowance to noncurrent loans | 54.4599% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.7532% | 2,525 |
| Noncurrent loans to loans | 2.9260% | 2,607 |
| Net loans and leases to total assets | 78.9587% | 1,402 |
| Net loans and leases to deposits | 94.5444% | 1,785 |
| Net loans and leases to core deposits | 108.4193% | 3,420 |
| Total domestic deposits to total assets | 83.5149% | 3,954 |
| Equity capital to assets | 8.1043% | 6,734 |
| Core capital (leverage) ratio | 7.6429% | 6,807 |
| Tier 1 risk-based capital ratio | 9.7353% | 7,209 |
| Total risk-based capital ratio | 11.0107% | 7,142 |
| Memoranda: | ||
| Average total assets | $520,053,250 | 1,340 |
| Average earning assets | $482,944,000 | 1,325 |
| Average equity | $41,929,000 | 1,608 |
| Average total loans | $424,662,250 | 1,148 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9965% | 2,191 |
| Cost of funding earning assets | 1.7815% | 4,852 |
| Net interest margin | 4.2151% | 1,940 |
| Noninterest income to average assets | 0.8371% | 2,234 |
| Noninterest expense to average assets | 3.8451% | 1,582 |
| Loan and lease loss provision to assets | 1.5157% | 1,130 |
| Net operating income to assets | -0.5789% | 6,632 |
| Return on assets (ROA) | -0.6460% | 6,706 |
| Pretax return on assets | -0.6460% | 6,563 |
| Return on Equity (ROE) | -8.0266% | 6,892 |
| Retained earnings to average equity (ytd only) | -10.0284% | 6,876 |
| Net charge-offs to loans | 1.0613% | 1,697 |
| Credit loss provision to net charge-offs | 173.8996% | 2,644 |
| Earnings coverage of net charge-offs (x) | 1.0748% | 4,715 |
| Efficiency ratio | 80.2166% | 3,011 |
| Assets per employee ($millions) | 2.8951% | 6,402 |
| Cash dividends to net income (ytd only)* | -24.9406% | 7,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 2,814 |
| Loan loss allowance to noncurrent loans | 61.3042% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 2.5138% | 2,560 |
| Noncurrent loans to loans | 2.5834% | 2,807 |
| Net loans and leases to total assets | 80.3804% | 1,243 |
| Net loans and leases to deposits | 96.2929% | 1,748 |
| Net loans and leases to core deposits | 111.3397% | 3,221 |
| Total domestic deposits to total assets | 83.4748% | 4,026 |
| Equity capital to assets | 7.7998% | 6,979 |
| Core capital (leverage) ratio | 7.5503% | 6,960 |
| Tier 1 risk-based capital ratio | 9.2342% | 7,582 |
| Total risk-based capital ratio | 10.4912% | 7,569 |
| Memoranda: | ||
| Average total assets | $521,338,330 | 1,358 |
| Average earning assets | $487,917,000 | 1,327 |
| Average equity | $41,960,670 | 1,622 |
| Average total loans | $428,155,330 | 1,163 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0099% | 2,319 |
| Cost of funding earning assets | 1.7598% | 5,314 |
| Net interest margin | 4.2501% | 1,748 |
| Noninterest income to average assets | 0.8851% | 1,910 |
| Noninterest expense to average assets | 3.7881% | 1,493 |
| Loan and lease loss provision to assets | 0.5913% | 2,133 |
| Net operating income to assets | 0.4796% | 4,521 |
| Return on assets (ROA) | 0.3289% | 5,354 |
| Pretax return on assets | 0.3289% | 5,594 |
| Return on Equity (ROE) | 4.0252% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.0594% | 4,715 |
| Net charge-offs to loans | 0.4264% | 2,395 |
| Credit loss provision to net charge-offs | 168.4096% | 2,542 |
| Earnings coverage of net charge-offs (x) | 3.0501% | 3,292 |
| Efficiency ratio | 77.7708% | 3,205 |
| Assets per employee ($millions) | 2.9500% | 6,285 |
| Cash dividends to net income (ytd only)* | 48.8372% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 4,532 |
| Loan loss allowance to noncurrent loans | 48.9590% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 2.1739% | 2,638 |
| Noncurrent loans to loans | 2.5293% | 2,607 |
| Net loans and leases to total assets | 82.4651% | 935 |
| Net loans and leases to deposits | 101.1613% | 1,265 |
| Net loans and leases to core deposits | 116.5724% | 2,733 |
| Total domestic deposits to total assets | 81.5185% | 4,740 |
| Equity capital to assets | 8.3223% | 6,356 |
| Core capital (leverage) ratio | 7.9714% | 6,506 |
| Tier 1 risk-based capital ratio | 9.7823% | 7,164 |
| Total risk-based capital ratio | 11.0325% | 7,069 |
| Memoranda: | ||
| Average total assets | $522,899,500 | 1,353 |
| Average earning assets | $488,927,500 | 1,330 |
| Average equity | $42,731,000 | 1,601 |
| Average total loans | $430,609,500 | 1,172 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5893% | 2,543 |
| Cost of funding earning assets | 2.3074% | 5,111 |
| Net interest margin | 4.2819% | 2,041 |
| Noninterest income to average assets | 1.1972% | 1,052 |
| Noninterest expense to average assets | 3.4887% | 2,425 |
| Loan and lease loss provision to assets | 0.9729% | 1,513 |
| Net operating income to assets | 0.6961% | 3,909 |
| Return on assets (ROA) | 0.3427% | 5,203 |
| Pretax return on assets | 0.3427% | 5,411 |
| Return on Equity (ROE) | 4.0121% | 4,823 |
| Retained earnings to average equity (ytd only) | -0.6003% | 5,471 |
| Net charge-offs to loans | 0.9276% | 1,335 |
| Credit loss provision to net charge-offs | 128.1022% | 4,161 |
| Earnings coverage of net charge-offs (x) | 2.1976% | 4,976 |
| Efficiency ratio | 67.4574% | 4,824 |
| Assets per employee ($millions) | 2.9419% | 6,192 |
| Cash dividends to net income (ytd only)* | 114.9624% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 4,793 |
| Loan loss allowance to noncurrent loans | 35.6920% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 2.7068% | 1,746 |
| Noncurrent loans to loans | 3.2723% | 1,598 |
| Net loans and leases to total assets | 80.2817% | 1,598 |
| Net loans and leases to deposits | 96.3588% | 2,391 |
| Net loans and leases to core deposits | 108.5335% | 3,905 |
| Total domestic deposits to total assets | 83.3154% | 3,647 |
| Equity capital to assets | 8.0253% | 6,808 |
| Core capital (leverage) ratio | 7.8695% | 6,701 |
| Tier 1 risk-based capital ratio | 9.7041% | 7,078 |
| Total risk-based capital ratio | 10.8974% | 7,039 |
| Memoranda: | ||
| Average total assets | $505,110,600 | 1,335 |
| Average earning assets | $467,198,200 | 1,331 |
| Average equity | $43,145,000 | 1,559 |
| Average total loans | $413,535,200 | 1,164 |