Home > Superior National Bank > Performance and Condition Ratios
Superior National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 2,900 |
| Cost of funding earning assets | 1.6582% | 2,828 |
| Net interest margin | 3.4544% | 2,434 |
| Noninterest income to average assets | 0.8700% | 719 |
| Noninterest expense to average assets | 3.2652% | 805 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 0.6640% | 3,188 |
| Return on assets (ROA) | 0.6640% | 3,209 |
| Pretax return on assets | 0.8097% | 3,173 |
| Return on Equity (ROE) | 6.4600% | 3,249 |
| Retained earnings to average equity (ytd only) | 2.2216% | 3,274 |
| Net charge-offs to loans | 0.0412% | 1,265 |
| Credit loss provision to net charge-offs | 11.7647% | 1,686 |
| Earnings coverage of net charge-offs (x) | 30.3971% | 1,230 |
| Efficiency ratio | 78.9825% | 1,008 |
| Assets per employee ($millions) | 5.2477% | 3,501 |
| Cash dividends to net income (ytd only)* | 65.5985% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,523 |
| Loan loss allowance to noncurrent loans | 111.2222% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.8010% | 945 |
| Noncurrent loans to loans | 1.2076% | 877 |
| Net loans and leases to total assets | 64.7600% | 2,415 |
| Net loans and leases to deposits | 76.6027% | 2,350 |
| Net loans and leases to core deposits | 84.8586% | 2,401 |
| Total domestic deposits to total assets | 84.5400% | 2,756 |
| Equity capital to assets | 10.4256% | 1,963 |
| Core capital (leverage) ratio | 11.3116% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2217% | 851 |
| Memoranda: | ||
| Average total assets | $996,450,500 | 1,013 |
| Average earning assets | $929,951,500 | 1,014 |
| Average equity | $102,448,000 | 1,025 |
| Average total loans | $659,730,000 | 1,080 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 2,821 |
| Cost of funding earning assets | 1.8322% | 2,641 |
| Net interest margin | 3.3275% | 2,440 |
| Noninterest income to average assets | 0.9200% | 721 |
| Noninterest expense to average assets | 3.1228% | 972 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.7916% | 2,703 |
| Return on assets (ROA) | 0.7916% | 2,723 |
| Pretax return on assets | 0.9214% | 2,747 |
| Return on Equity (ROE) | 8.1500% | 2,718 |
| Retained earnings to average equity (ytd only) | 4.2090% | 2,547 |
| Net charge-offs to loans | 0.0001% | 3,094 |
| Credit loss provision to net charge-offs | -72,500.0000% | 4,515 |
| Earnings coverage of net charge-offs (x) | 9,281.0000% | 10 |
| Efficiency ratio | 76.9614% | 1,285 |
| Assets per employee ($millions) | 5.3540% | 3,398 |
| Cash dividends to net income (ytd only)* | 48.3451% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 1,541 |
| Loan loss allowance to noncurrent loans | 166.8426% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 1,332 |
| Noncurrent loans to loans | 0.7978% | 1,238 |
| Net loans and leases to total assets | 65.8800% | 2,369 |
| Net loans and leases to deposits | 77.7394% | 2,307 |
| Net loans and leases to core deposits | 86.7147% | 2,347 |
| Total domestic deposits to total assets | 84.7500% | 2,602 |
| Equity capital to assets | 10.1368% | 2,037 |
| Core capital (leverage) ratio | 10.9782% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8230% | 911 |
| Memoranda: | ||
| Average total assets | $1,019,096,800 | 995 |
| Average earning assets | $953,238,200 | 975 |
| Average equity | $99,002,400 | 1,030 |
| Average total loans | $670,935,000 | 1,045 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0968% | 2,871 |
| Cost of funding earning assets | 1.8526% | 2,588 |
| Net interest margin | 3.2442% | 2,582 |
| Noninterest income to average assets | 0.8900% | 745 |
| Noninterest expense to average assets | 3.0414% | 1,050 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 0.7544% | 2,829 |
| Return on assets (ROA) | 0.7544% | 2,838 |
| Pretax return on assets | 0.8889% | 2,831 |
| Return on Equity (ROE) | 7.8500% | 2,804 |
| Retained earnings to average equity (ytd only) | 4.1129% | 2,808 |
| Net charge-offs to loans | 0.0044% | 2,541 |
| Credit loss provision to net charge-offs | -3,427.2727% | 4,520 |
| Earnings coverage of net charge-offs (x) | 307.4091% | 373 |
| Efficiency ratio | 77.0918% | 1,301 |
| Assets per employee ($millions) | 5.5723% | 3,205 |
| Cash dividends to net income (ytd only)* | 47.5944% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 1,677 |
| Loan loss allowance to noncurrent loans | 249.1789% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 1,691 |
| Noncurrent loans to loans | 0.5253% | 1,772 |
| Net loans and leases to total assets | 63.3400% | 2,602 |
| Net loans and leases to deposits | 77.1451% | 2,422 |
| Net loans and leases to core deposits | 85.7053% | 2,434 |
| Total domestic deposits to total assets | 82.1000% | 3,083 |
| Equity capital to assets | 10.0387% | 2,265 |
| Core capital (leverage) ratio | 10.6997% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5867% | 986 |
| Memoranda: | ||
| Average total assets | $1,024,909,500 | 984 |
| Average earning assets | $959,054,750 | 964 |
| Average equity | $98,516,250 | 1,026 |
| Average total loans | $672,431,500 | 1,044 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0231% | 2,908 |
| Cost of funding earning assets | 1.8455% | 2,513 |
| Net interest margin | 3.1776% | 2,672 |
| Noninterest income to average assets | 0.8500% | 792 |
| Noninterest expense to average assets | 3.0725% | 1,003 |
| Loan and lease loss provision to assets | -0.0300% | 4,261 |
| Net operating income to assets | 0.6662% | 3,026 |
| Return on assets (ROA) | 0.6662% | 3,054 |
| Pretax return on assets | 0.7763% | 3,051 |
| Return on Equity (ROE) | 7.0400% | 2,992 |
| Retained earnings to average equity (ytd only) | 3.0509% | 3,031 |
| Net charge-offs to loans | 0.0021% | 2,474 |
| Credit loss provision to net charge-offs | -10,200.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 543.2857% | 223 |
| Efficiency ratio | 79.9403% | 1,131 |
| Assets per employee ($millions) | 5.6050% | 3,132 |
| Cash dividends to net income (ytd only)* | 56.6539% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 1,701 |
| Loan loss allowance to noncurrent loans | 310.8459% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 1,798 |
| Noncurrent loans to loans | 0.4209% | 1,938 |
| Net loans and leases to total assets | 65.8500% | 2,371 |
| Net loans and leases to deposits | 79.8173% | 2,227 |
| Net loans and leases to core deposits | 88.6276% | 2,231 |
| Total domestic deposits to total assets | 82.5000% | 2,973 |
| Equity capital to assets | 9.4595% | 2,416 |
| Core capital (leverage) ratio | 10.7207% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3820% | 1,023 |
| Memoranda: | ||
| Average total assets | $1,017,347,000 | 990 |
| Average earning assets | $951,278,667 | 970 |
| Average equity | $96,300,000 | 1,035 |
| Average total loans | $672,459,667 | 1,043 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9296% | 2,929 |
| Cost of funding earning assets | 1.8237% | 2,434 |
| Net interest margin | 3.1059% | 2,776 |
| Noninterest income to average assets | 0.7800% | 861 |
| Noninterest expense to average assets | 3.0268% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5728% | 3,216 |
| Return on assets (ROA) | 0.5728% | 3,244 |
| Pretax return on assets | 0.6573% | 3,262 |
| Return on Equity (ROE) | 6.0500% | 3,202 |
| Retained earnings to average equity (ytd only) | 2.6911% | 3,068 |
| Net charge-offs to loans | 0.0084% | 1,779 |
| Credit loss provision to net charge-offs | -2,235.7143% | 4,563 |
| Earnings coverage of net charge-offs (x) | 119.2857% | 606 |
| Efficiency ratio | 81.6931% | 1,066 |
| Assets per employee ($millions) | 5.1912% | 3,513 |
| Cash dividends to net income (ytd only)* | 55.5175% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 1,448 |
| Loan loss allowance to noncurrent loans | 410.3815% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 1,968 |
| Noncurrent loans to loans | 0.3366% | 2,118 |
| Net loans and leases to total assets | 64.9000% | 2,386 |
| Net loans and leases to deposits | 77.6665% | 2,264 |
| Net loans and leases to core deposits | 87.8743% | 2,182 |
| Total domestic deposits to total assets | 83.5600% | 2,849 |
| Equity capital to assets | 9.4246% | 2,380 |
| Core capital (leverage) ratio | 10.5752% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1094% | 1,075 |
| Memoranda: | ||
| Average total assets | $1,018,767,000 | 990 |
| Average earning assets | $952,779,500 | 973 |
| Average equity | $96,466,500 | 1,027 |
| Average total loans | $670,231,500 | 1,043 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 2,636 |
| Cost of funding earning assets | 1.3558% | 2,343 |
| Net interest margin | 3.3628% | 2,484 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 3.1042% | 954 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7288% | 3,108 |
| Return on assets (ROA) | 0.7288% | 3,093 |
| Pretax return on assets | 0.8886% | 2,993 |
| Return on Equity (ROE) | 8.4000% | 2,915 |
| Retained earnings to average equity (ytd only) | 3.6215% | 3,085 |
| Net charge-offs to loans | 0.0674% | 1,176 |
| Credit loss provision to net charge-offs | 5.0109% | 2,346 |
| Earnings coverage of net charge-offs (x) | 20.0763% | 1,877 |
| Efficiency ratio | 77.2449% | 1,137 |
| Assets per employee ($millions) | 5.2311% | 3,447 |
| Cash dividends to net income (ytd only)* | 56.8776% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 1,283 |
| Loan loss allowance to noncurrent loans | 296.7772% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 1,625 |
| Noncurrent loans to loans | 0.4810% | 1,582 |
| Net loans and leases to total assets | 64.8300% | 2,382 |
| Net loans and leases to deposits | 76.3893% | 2,418 |
| Net loans and leases to core deposits | 87.7024% | 2,192 |
| Total domestic deposits to total assets | 84.8700% | 2,349 |
| Equity capital to assets | 9.5132% | 2,339 |
| Core capital (leverage) ratio | 10.3660% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0283% | 1,075 |
| Memoranda: | ||
| Average total assets | $1,034,458,800 | 958 |
| Average earning assets | $969,538,600 | 935 |
| Average equity | $89,768,400 | 1,035 |
| Average total loans | $680,613,400 | 984 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 2,587 |
| Cost of funding earning assets | 1.2399% | 2,302 |
| Net interest margin | 3.4010% | 2,455 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 3.1421% | 883 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7182% | 3,267 |
| Return on assets (ROA) | 0.7182% | 3,249 |
| Pretax return on assets | 0.9050% | 3,091 |
| Return on Equity (ROE) | 8.4800% | 3,068 |
| Retained earnings to average equity (ytd only) | 3.8111% | 3,309 |
| Net charge-offs to loans | 0.0328% | 1,427 |
| Credit loss provision to net charge-offs | 69.6429% | 1,811 |
| Earnings coverage of net charge-offs (x) | 42.6369% | 1,411 |
| Efficiency ratio | 76.9019% | 1,100 |
| Assets per employee ($millions) | 5.2868% | 3,361 |
| Cash dividends to net income (ytd only)* | 55.0429% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 1,189 |
| Loan loss allowance to noncurrent loans | 268.8799% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 1,560 |
| Noncurrent loans to loans | 0.5474% | 1,456 |
| Net loans and leases to total assets | 64.0300% | 2,446 |
| Net loans and leases to deposits | 73.9284% | 2,569 |
| Net loans and leases to core deposits | 83.7974% | 2,339 |
| Total domestic deposits to total assets | 86.6100% | 2,013 |
| Equity capital to assets | 8.0891% | 2,993 |
| Core capital (leverage) ratio | 10.0308% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5740% | 1,183 |
| Memoranda: | ||
| Average total assets | $1,038,058,750 | 952 |
| Average earning assets | $973,779,000 | 932 |
| Average equity | $87,950,500 | 1,048 |
| Average total loans | $683,043,000 | 981 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 2,637 |
| Cost of funding earning assets | 1.0762% | 2,361 |
| Net interest margin | 3.4264% | 2,460 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 3.1877% | 804 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.6936% | 3,355 |
| Return on assets (ROA) | 0.6936% | 3,357 |
| Pretax return on assets | 0.8739% | 3,229 |
| Return on Equity (ROE) | 8.0600% | 3,218 |
| Retained earnings to average equity (ytd only) | 3.2023% | 3,421 |
| Net charge-offs to loans | 0.0213% | 1,459 |
| Credit loss provision to net charge-offs | 82.1918% | 1,544 |
| Earnings coverage of net charge-offs (x) | 62.8904% | 1,176 |
| Efficiency ratio | 77.8104% | 1,013 |
| Assets per employee ($millions) | 4.4953% | 3,956 |
| Cash dividends to net income (ytd only)* | 60.2892% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 1,259 |
| Loan loss allowance to noncurrent loans | 267.8811% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 1,428 |
| Noncurrent loans to loans | 0.5504% | 1,356 |
| Net loans and leases to total assets | 65.2000% | 2,249 |
| Net loans and leases to deposits | 77.4397% | 2,184 |
| Net loans and leases to core deposits | 87.1616% | 1,994 |
| Total domestic deposits to total assets | 84.1900% | 2,780 |
| Equity capital to assets | 8.7577% | 2,688 |
| Core capital (leverage) ratio | 10.2174% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9623% | 1,131 |
| Memoranda: | ||
| Average total assets | $1,036,913,333 | 938 |
| Average earning assets | $973,267,667 | 921 |
| Average equity | $89,184,667 | 1,026 |
| Average total loans | $685,120,667 | 966 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 2,518 |
| Cost of funding earning assets | 1.0239% | 1,967 |
| Net interest margin | 3.3911% | 2,655 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 3.2064% | 789 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6348% | 3,622 |
| Return on assets (ROA) | 0.6348% | 3,577 |
| Pretax return on assets | 0.8008% | 3,464 |
| Return on Equity (ROE) | 7.4500% | 3,420 |
| Retained earnings to average equity (ytd only) | 3.7212% | 3,343 |
| Net charge-offs to loans | 0.0227% | 1,230 |
| Credit loss provision to net charge-offs | 66.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 54.2051% | 1,072 |
| Efficiency ratio | 79.3680% | 876 |
| Assets per employee ($millions) | 4.6721% | 3,916 |
| Cash dividends to net income (ytd only)* | 50.0302% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 1,879 |
| Loan loss allowance to noncurrent loans | 270.6354% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 1,558 |
| Noncurrent loans to loans | 0.4932% | 1,486 |
| Net loans and leases to total assets | 64.6700% | 2,183 |
| Net loans and leases to deposits | 73.7052% | 2,318 |
| Net loans and leases to core deposits | 83.8483% | 1,992 |
| Total domestic deposits to total assets | 87.7400% | 2,012 |
| Equity capital to assets | 8.7521% | 2,694 |
| Core capital (leverage) ratio | 9.9057% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9363% | 1,162 |
| Memoranda: | ||
| Average total assets | $1,042,909,500 | 949 |
| Average earning assets | $979,738,000 | 930 |
| Average equity | $88,897,000 | 1,044 |
| Average total loans | $688,125,500 | 967 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 1,770 |
| Cost of funding earning assets | 0.3741% | 2,300 |
| Net interest margin | 3.6027% | 1,634 |
| Noninterest income to average assets | 1.0400% | 600 |
| Noninterest expense to average assets | 3.1339% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0660% | 2,316 |
| Return on assets (ROA) | 1.0700% | 2,241 |
| Pretax return on assets | 1.2726% | 2,192 |
| Return on Equity (ROE) | 11.7900% | 2,221 |
| Retained earnings to average equity (ytd only) | 7.1963% | 2,147 |
| Net charge-offs to loans | 0.0859% | 807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 23.8494% | 1,807 |
| Efficiency ratio | 70.7816% | 1,588 |
| Assets per employee ($millions) | 4.5787% | 3,981 |
| Cash dividends to net income (ytd only)* | 38.9540% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 1,823 |
| Loan loss allowance to noncurrent loans | 344.2308% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 1,889 |
| Noncurrent loans to loans | 0.3825% | 1,772 |
| Net loans and leases to total assets | 65.5400% | 2,085 |
| Net loans and leases to deposits | 77.5393% | 1,993 |
| Net loans and leases to core deposits | 84.4996% | 1,845 |
| Total domestic deposits to total assets | 84.5300% | 3,095 |
| Equity capital to assets | 8.2963% | 2,858 |
| Core capital (leverage) ratio | 9.9500% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8854% | 1,147 |
| Memoranda: | ||
| Average total assets | $1,036,439,800 | 953 |
| Average earning assets | $967,923,000 | 934 |
| Average equity | $94,076,200 | 982 |
| Average total loans | $641,749,000 | 981 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 1,576 |
| Cost of funding earning assets | 0.2852% | 2,329 |
| Net interest margin | 3.5765% | 1,450 |
| Noninterest income to average assets | 1.1100% | 563 |
| Noninterest expense to average assets | 3.2093% | 682 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.9648% | 2,608 |
| Return on assets (ROA) | 0.9700% | 2,561 |
| Pretax return on assets | 1.1728% | 2,480 |
| Return on Equity (ROE) | 10.4600% | 2,587 |
| Retained earnings to average equity (ytd only) | 6.4231% | 2,584 |
| Net charge-offs to loans | 0.0715% | 794 |
| Credit loss provision to net charge-offs | 169.1395% | 1,064 |
| Earnings coverage of net charge-offs (x) | 28.5490% | 1,541 |
| Efficiency ratio | 71.7203% | 1,552 |
| Assets per employee ($millions) | 4.4541% | 4,089 |
| Cash dividends to net income (ytd only)* | 38.5944% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 1,359 |
| Loan loss allowance to noncurrent loans | 358.9066% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 1,869 |
| Noncurrent loans to loans | 0.4120% | 1,785 |
| Net loans and leases to total assets | 64.7500% | 2,009 |
| Net loans and leases to deposits | 71.8850% | 2,216 |
| Net loans and leases to core deposits | 78.1129% | 2,034 |
| Total domestic deposits to total assets | 90.0800% | 1,622 |
| Equity capital to assets | 7.7687% | 3,038 |
| Core capital (leverage) ratio | 9.8883% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6498% | 1,251 |
| Memoranda: | ||
| Average total assets | $1,034,562,000 | 959 |
| Average earning assets | $964,897,000 | 942 |
| Average equity | $95,943,000 | 985 |
| Average total loans | $628,850,750 | 994 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 1,461 |
| Cost of funding earning assets | 0.2491% | 2,284 |
| Net interest margin | 3.4841% | 1,355 |
| Noninterest income to average assets | 1.1753% | 491 |
| Noninterest expense to average assets | 3.2595% | 580 |
| Loan and lease loss provision to assets | 0.0943% | 1,053 |
| Net operating income to assets | 0.9059% | 2,556 |
| Return on assets (ROA) | 0.9063% | 2,528 |
| Pretax return on assets | 1.0681% | 2,522 |
| Return on Equity (ROE) | 9.2798% | 2,606 |
| Retained earnings to average equity (ytd only) | 5.5561% | 2,492 |
| Net charge-offs to loans | 0.0036% | 1,917 |
| Credit loss provision to net charge-offs | 4,454.5455% | 123 |
| Earnings coverage of net charge-offs (x) | 549.0000% | 238 |
| Efficiency ratio | 73.3061% | 1,587 |
| Assets per employee ($millions) | 4.4205% | 4,138 |
| Cash dividends to net income (ytd only)* | 40.1274% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 1,159 |
| Loan loss allowance to noncurrent loans | 365.8264% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 1,932 |
| Noncurrent loans to loans | 0.4366% | 1,815 |
| Net loans and leases to total assets | 62.0931% | 2,119 |
| Net loans and leases to deposits | 69.6682% | 2,246 |
| Net loans and leases to core deposits | 75.0057% | 2,093 |
| Total domestic deposits to total assets | 89.1268% | 2,120 |
| Equity capital to assets | 8.8296% | 2,517 |
| Core capital (leverage) ratio | 9.6698% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5886% | 1,287 |
| Memoranda: | ||
| Average total assets | $1,039,417,333 | 941 |
| Average earning assets | $968,446,667 | 938 |
| Average equity | $101,510,667 | 960 |
| Average total loans | $615,010,333 | 1,006 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 1,316 |
| Cost of funding earning assets | 0.2565% | 2,078 |
| Net interest margin | 3.4241% | 1,249 |
| Noninterest income to average assets | 1.3567% | 405 |
| Noninterest expense to average assets | 3.2802% | 548 |
| Loan and lease loss provision to assets | 0.0910% | 908 |
| Net operating income to assets | 0.9732% | 1,987 |
| Return on assets (ROA) | 0.9739% | 1,981 |
| Pretax return on assets | 1.1691% | 1,920 |
| Return on Equity (ROE) | 9.5351% | 2,142 |
| Retained earnings to average equity (ytd only) | 6.5844% | 2,039 |
| Net charge-offs to loans | 0.0132% | 1,283 |
| Credit loss provision to net charge-offs | 1,200.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 166.1000% | 495 |
| Efficiency ratio | 71.8664% | 1,992 |
| Assets per employee ($millions) | 4.5892% | 4,088 |
| Cash dividends to net income (ytd only)* | 30.9459% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 1,139 |
| Loan loss allowance to noncurrent loans | 374.0083% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 2,120 |
| Noncurrent loans to loans | 0.4430% | 1,923 |
| Net loans and leases to total assets | 56.6621% | 2,457 |
| Net loans and leases to deposits | 63.2376% | 2,599 |
| Net loans and leases to core deposits | 68.1205% | 2,446 |
| Total domestic deposits to total assets | 89.6019% | 1,765 |
| Equity capital to assets | 9.5093% | 2,273 |
| Core capital (leverage) ratio | 9.5146% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,055,184,000 | 936 |
| Average earning assets | $980,805,000 | 933 |
| Average equity | $107,770,000 | 944 |
| Average total loans | $604,523,000 | 1,011 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 1,445 |
| Cost of funding earning assets | 0.3746% | 1,721 |
| Net interest margin | 3.5892% | 1,496 |
| Noninterest income to average assets | 2.2575% | 260 |
| Noninterest expense to average assets | 3.7842% | 354 |
| Loan and lease loss provision to assets | 0.0894% | 1,385 |
| Net operating income to assets | 1.3951% | 1,292 |
| Return on assets (ROA) | 1.3952% | 1,347 |
| Pretax return on assets | 1.7371% | 1,050 |
| Return on Equity (ROE) | 12.7243% | 1,561 |
| Retained earnings to average equity (ytd only) | 8.7443% | 1,269 |
| Net charge-offs to loans | 0.0483% | 1,342 |
| Credit loss provision to net charge-offs | 310.4377% | 1,041 |
| Earnings coverage of net charge-offs (x) | 63.4074% | 1,140 |
| Efficiency ratio | 67.1218% | 2,106 |
| Assets per employee ($millions) | 4.8126% | 3,871 |
| Cash dividends to net income (ytd only)* | 31.2782% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5831% | 1,296 |
| Loan loss allowance to noncurrent loans | 386.1189% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 2,377 |
| Noncurrent loans to loans | 0.4100% | 2,131 |
| Net loans and leases to total assets | 56.0739% | 2,600 |
| Net loans and leases to deposits | 63.6937% | 2,710 |
| Net loans and leases to core deposits | 69.2410% | 2,525 |
| Total domestic deposits to total assets | 88.0367% | 2,026 |
| Equity capital to assets | 10.8939% | 1,861 |
| Core capital (leverage) ratio | 9.2496% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,031,156,000 | 939 |
| Average earning assets | $963,301,000 | 936 |
| Average equity | $113,067,400 | 918 |
| Average total loans | $615,154,200 | 983 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 1,482 |
| Cost of funding earning assets | 0.4014% | 1,684 |
| Net interest margin | 3.6234% | 1,543 |
| Noninterest income to average assets | 2.4192% | 251 |
| Noninterest expense to average assets | 3.8443% | 322 |
| Loan and lease loss provision to assets | 0.0851% | 1,403 |
| Net operating income to assets | 1.4907% | 1,295 |
| Return on assets (ROA) | 1.4908% | 1,340 |
| Pretax return on assets | 1.8845% | 975 |
| Return on Equity (ROE) | 13.5726% | 1,531 |
| Retained earnings to average equity (ytd only) | 9.1423% | 1,641 |
| Net charge-offs to loans | -0.0197% | 3,964 |
| Credit loss provision to net charge-offs | -716.4835% | 3,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8038% | 2,125 |
| Assets per employee ($millions) | 4.7459% | 3,930 |
| Cash dividends to net income (ytd only)* | 32.6411% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 1,411 |
| Loan loss allowance to noncurrent loans | 456.7366% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 2,733 |
| Noncurrent loans to loans | 0.3443% | 2,548 |
| Net loans and leases to total assets | 56.9257% | 2,622 |
| Net loans and leases to deposits | 64.5757% | 2,784 |
| Net loans and leases to core deposits | 70.5242% | 2,547 |
| Total domestic deposits to total assets | 88.1535% | 1,743 |
| Equity capital to assets | 10.8267% | 2,147 |
| Core capital (leverage) ratio | 9.2298% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,020,640,000 | 958 |
| Average earning assets | $956,192,250 | 953 |
| Average equity | $112,105,500 | 936 |
| Average total loans | $616,073,750 | 995 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 1,357 |
| Cost of funding earning assets | 0.4258% | 1,692 |
| Net interest margin | 3.6693% | 1,428 |
| Noninterest income to average assets | 2.6603% | 226 |
| Noninterest expense to average assets | 4.0427% | 279 |
| Loan and lease loss provision to assets | 0.0823% | 1,483 |
| Net operating income to assets | 1.5587% | 1,150 |
| Return on assets (ROA) | 1.5589% | 1,212 |
| Pretax return on assets | 1.9733% | 881 |
| Return on Equity (ROE) | 14.1200% | 1,375 |
| Retained earnings to average equity (ytd only) | 8.7852% | 1,785 |
| Net charge-offs to loans | -0.0411% | 4,283 |
| Credit loss provision to net charge-offs | -326.9841% | 3,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9835% | 2,155 |
| Assets per employee ($millions) | 4.4236% | 4,164 |
| Cash dividends to net income (ytd only)* | 37.7818% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 1,323 |
| Loan loss allowance to noncurrent loans | 377.8259% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 2,587 |
| Noncurrent loans to loans | 0.4185% | 2,427 |
| Net loans and leases to total assets | 58.4340% | 2,606 |
| Net loans and leases to deposits | 66.5439% | 2,776 |
| Net loans and leases to core deposits | 72.9704% | 2,524 |
| Total domestic deposits to total assets | 87.8128% | 1,933 |
| Equity capital to assets | 11.1937% | 1,836 |
| Core capital (leverage) ratio | 9.3982% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,001,749,667 | 963 |
| Average earning assets | $938,550,333 | 955 |
| Average equity | $110,595,000 | 939 |
| Average total loans | $613,743,667 | 1,003 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 1,364 |
| Cost of funding earning assets | 0.4624% | 1,637 |
| Net interest margin | 3.6458% | 1,461 |
| Noninterest income to average assets | 3.0461% | 197 |
| Noninterest expense to average assets | 4.3384% | 226 |
| Loan and lease loss provision to assets | 0.0968% | 1,389 |
| Net operating income to assets | 1.6175% | 1,098 |
| Return on assets (ROA) | 1.6178% | 1,145 |
| Pretax return on assets | 2.0425% | 888 |
| Return on Equity (ROE) | 14.7597% | 1,267 |
| Retained earnings to average equity (ytd only) | 7.7129% | 2,345 |
| Net charge-offs to loans | -0.0065% | 3,494 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6853% | 2,129 |
| Assets per employee ($millions) | 4.5199% | 4,085 |
| Cash dividends to net income (ytd only)* | 47.7437% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,697 |
| Loan loss allowance to noncurrent loans | 147.0216% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 1,462 |
| Noncurrent loans to loans | 1.0022% | 1,338 |
| Net loans and leases to total assets | 62.5748% | 2,224 |
| Net loans and leases to deposits | 71.2723% | 2,390 |
| Net loans and leases to core deposits | 78.3038% | 2,156 |
| Total domestic deposits to total assets | 87.7968% | 1,946 |
| Equity capital to assets | 11.1842% | 1,734 |
| Core capital (leverage) ratio | 9.2779% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $991,703,000 | 959 |
| Average earning assets | $933,358,000 | 948 |
| Average equity | $108,701,500 | 942 |
| Average total loans | $617,267,000 | 994 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 3,295 |
| Cost of funding earning assets | 0.4954% | 2,979 |
| Net interest margin | 3.3063% | 3,054 |
| Noninterest income to average assets | 0.8091% | 1,502 |
| Noninterest expense to average assets | 2.6268% | 2,458 |
| Loan and lease loss provision to assets | 0.0806% | 3,369 |
| Net operating income to assets | 1.0417% | 2,134 |
| Return on assets (ROA) | 1.0453% | 2,263 |
| Pretax return on assets | 1.2894% | 2,014 |
| Return on Equity (ROE) | 10.8638% | 1,682 |
| Retained earnings to average equity (ytd only) | 7.0328% | 1,384 |
| Net charge-offs to loans | 0.0382% | 2,287 |
| Credit loss provision to net charge-offs | 405.7377% | 1,418 |
| Earnings coverage of net charge-offs (x) | 68.7787% | 990 |
| Efficiency ratio | 65.6612% | 2,587 |
| Assets per employee ($millions) | 5.2860% | 3,065 |
| Cash dividends to net income (ytd only)* | 35.2639% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 838 |
| Loan loss allowance to noncurrent loans | 665.0812% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 3,545 |
| Noncurrent loans to loans | 0.2725% | 3,215 |
| Net loans and leases to total assets | 46.6411% | 4,080 |
| Net loans and leases to deposits | 51.5137% | 4,241 |
| Net loans and leases to core deposits | 53.7577% | 4,264 |
| Total domestic deposits to total assets | 90.5411% | 358 |
| Equity capital to assets | 8.5346% | 4,420 |
| Core capital (leverage) ratio | 8.0554% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $614,476,800 | 1,308 |
| Average earning assets | $591,604,200 | 1,278 |
| Average equity | $59,123,000 | 1,464 |
| Average total loans | $319,278,200 | 1,615 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8828% | 3,316 |
| Cost of funding earning assets | 0.5202% | 3,113 |
| Net interest margin | 3.3626% | 3,016 |
| Noninterest income to average assets | 0.7832% | 1,565 |
| Noninterest expense to average assets | 2.6758% | 2,326 |
| Loan and lease loss provision to assets | 0.0831% | 3,275 |
| Net operating income to assets | 0.9922% | 2,370 |
| Return on assets (ROA) | 0.9969% | 2,479 |
| Pretax return on assets | 1.2666% | 2,170 |
| Return on Equity (ROE) | 10.0468% | 2,003 |
| Retained earnings to average equity (ytd only) | 6.3970% | 1,924 |
| Net charge-offs to loans | 0.0350% | 2,130 |
| Credit loss provision to net charge-offs | 446.4286% | 1,374 |
| Earnings coverage of net charge-offs (x) | 72.1786% | 975 |
| Efficiency ratio | 66.4314% | 2,410 |
| Assets per employee ($millions) | 5.2419% | 2,962 |
| Cash dividends to net income (ytd only)* | 36.3273% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 812 |
| Loan loss allowance to noncurrent loans | 354.2947% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 3,095 |
| Noncurrent loans to loans | 0.4926% | 2,586 |
| Net loans and leases to total assets | 48.5507% | 4,187 |
| Net loans and leases to deposits | 53.5463% | 4,358 |
| Net loans and leases to core deposits | 56.3588% | 4,371 |
| Total domestic deposits to total assets | 90.6707% | 241 |
| Equity capital to assets | 8.4773% | 4,476 |
| Core capital (leverage) ratio | 8.0150% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $601,585,500 | 1,309 |
| Average earning assets | $578,990,000 | 1,278 |
| Average equity | $59,692,750 | 1,439 |
| Average total loans | $320,002,250 | 1,614 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 3,146 |
| Cost of funding earning assets | 0.5427% | 3,278 |
| Net interest margin | 3.5217% | 2,720 |
| Noninterest income to average assets | 0.7912% | 1,462 |
| Noninterest expense to average assets | 2.7421% | 2,246 |
| Loan and lease loss provision to assets | 0.0668% | 3,460 |
| Net operating income to assets | 1.0768% | 2,049 |
| Return on assets (ROA) | 1.0841% | 2,144 |
| Pretax return on assets | 1.3802% | 1,773 |
| Return on Equity (ROE) | 10.3610% | 1,860 |
| Retained earnings to average equity (ytd only) | 7.0078% | 1,660 |
| Net charge-offs to loans | 0.0408% | 1,928 |
| Credit loss provision to net charge-offs | 300.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 64.5538% | 922 |
| Efficiency ratio | 65.4644% | 2,593 |
| Assets per employee ($millions) | 4.9525% | 3,230 |
| Cash dividends to net income (ytd only)* | 32.3641% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 884 |
| Loan loss allowance to noncurrent loans | 205.0803% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 2,415 |
| Noncurrent loans to loans | 0.8127% | 1,869 |
| Net loans and leases to total assets | 51.9042% | 4,033 |
| Net loans and leases to deposits | 57.5430% | 4,242 |
| Net loans and leases to core deposits | 60.8043% | 4,220 |
| Total domestic deposits to total assets | 90.2007% | 345 |
| Equity capital to assets | 8.7839% | 4,280 |
| Core capital (leverage) ratio | 8.5442% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $583,702,667 | 1,322 |
| Average earning assets | $561,663,000 | 1,293 |
| Average equity | $61,075,000 | 1,407 |
| Average total loans | $318,745,667 | 1,600 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3687% | 2,720 |
| Cost of funding earning assets | 0.5771% | 3,551 |
| Net interest margin | 3.7917% | 2,016 |
| Noninterest income to average assets | 0.8297% | 1,227 |
| Noninterest expense to average assets | 2.9158% | 2,083 |
| Loan and lease loss provision to assets | 0.0106% | 3,639 |
| Net operating income to assets | 1.2095% | 1,484 |
| Return on assets (ROA) | 1.2095% | 1,598 |
| Pretax return on assets | 1.5502% | 1,180 |
| Return on Equity (ROE) | 10.6158% | 1,531 |
| Retained earnings to average equity (ytd only) | 7.8747% | 1,266 |
| Net charge-offs to loans | 0.0064% | 2,347 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 439.8000% | 150 |
| Efficiency ratio | 65.0071% | 3,086 |
| Assets per employee ($millions) | 4.2981% | 3,534 |
| Cash dividends to net income (ytd only)* | 25.8216% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 846 |
| Loan loss allowance to noncurrent loans | 302.5352% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 2,987 |
| Noncurrent loans to loans | 0.5679% | 2,577 |
| Net loans and leases to total assets | 55.4017% | 3,878 |
| Net loans and leases to deposits | 61.7728% | 4,115 |
| Net loans and leases to core deposits | 65.9795% | 4,085 |
| Total domestic deposits to total assets | 89.6862% | 421 |
| Equity capital to assets | 9.2924% | 4,398 |
| Core capital (leverage) ratio | 8.8051% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0931% | 1,581 |
| Memoranda: | ||
| Average total assets | $563,545,500 | 1,328 |
| Average earning assets | $542,033,000 | 1,283 |
| Average equity | $64,206,000 | 1,358 |
| Average total loans | $313,428,000 | 1,586 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 3,500 |
| Cost of funding earning assets | 0.5810% | 3,714 |
| Net interest margin | 3.7322% | 2,725 |
| Noninterest income to average assets | 0.7179% | 1,751 |
| Noninterest expense to average assets | 2.7895% | 2,641 |
| Loan and lease loss provision to assets | 0.0137% | 3,740 |
| Net operating income to assets | 1.2303% | 1,947 |
| Return on assets (ROA) | 1.2288% | 2,041 |
| Pretax return on assets | 1.4699% | 1,900 |
| Return on Equity (ROE) | 9.6189% | 2,466 |
| Retained earnings to average equity (ytd only) | 7.0522% | 1,368 |
| Net charge-offs to loans | -0.0630% | 4,864 |
| Credit loss provision to net charge-offs | -40.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2215% | 2,888 |
| Assets per employee ($millions) | 4.4390% | 3,317 |
| Cash dividends to net income (ytd only)* | 26.6838% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 785 |
| Loan loss allowance to noncurrent loans | 336.0502% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 3,052 |
| Noncurrent loans to loans | 0.5075% | 2,671 |
| Net loans and leases to total assets | 53.9520% | 4,078 |
| Net loans and leases to deposits | 63.1081% | 4,129 |
| Net loans and leases to core deposits | 67.4549% | 4,109 |
| Total domestic deposits to total assets | 85.4913% | 2,297 |
| Equity capital to assets | 13.4274% | 1,314 |
| Core capital (leverage) ratio | 13.0209% | 1,227 |
| Tier 1 risk-based capital ratio | 24.0826% | 821 |
| Total risk-based capital ratio | 25.3382% | 802 |
| Memoranda: | ||
| Average total assets | $570,311,200 | 1,269 |
| Average earning assets | $543,537,600 | 1,252 |
| Average equity | $72,856,200 | 1,184 |
| Average total loans | $309,627,400 | 1,565 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 3,604 |
| Cost of funding earning assets | 0.5758% | 3,792 |
| Net interest margin | 3.7415% | 2,780 |
| Noninterest income to average assets | 0.6782% | 1,873 |
| Noninterest expense to average assets | 2.6997% | 2,868 |
| Loan and lease loss provision to assets | 0.0183% | 3,543 |
| Net operating income to assets | 1.2301% | 2,095 |
| Return on assets (ROA) | 1.2256% | 2,182 |
| Pretax return on assets | 1.5113% | 1,922 |
| Return on Equity (ROE) | 9.7185% | 2,554 |
| Retained earnings to average equity (ytd only) | 7.2689% | 1,728 |
| Net charge-offs to loans | -0.1158% | 5,015 |
| Credit loss provision to net charge-offs | -29.1045% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7489% | 3,051 |
| Assets per employee ($millions) | 4.5435% | 3,132 |
| Cash dividends to net income (ytd only)* | 25.2053% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7328% | 767 |
| Loan loss allowance to noncurrent loans | 371.6142% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 3,386 |
| Noncurrent loans to loans | 0.4663% | 2,904 |
| Net loans and leases to total assets | 52.5667% | 4,280 |
| Net loans and leases to deposits | 61.0666% | 4,341 |
| Net loans and leases to core deposits | 65.0946% | 4,321 |
| Total domestic deposits to total assets | 86.0809% | 1,958 |
| Equity capital to assets | 12.9734% | 1,645 |
| Core capital (leverage) ratio | 13.0534% | 1,317 |
| Tier 1 risk-based capital ratio | 23.2500% | 920 |
| Total risk-based capital ratio | 24.5055% | 898 |
| Memoranda: | ||
| Average total assets | $569,729,750 | 1,278 |
| Average earning assets | $541,594,000 | 1,255 |
| Average equity | $71,847,750 | 1,192 |
| Average total loans | $308,457,000 | 1,583 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 3,595 |
| Cost of funding earning assets | 0.5749% | 3,770 |
| Net interest margin | 3.7404% | 2,788 |
| Noninterest income to average assets | 0.6433% | 1,952 |
| Noninterest expense to average assets | 2.6991% | 2,911 |
| Loan and lease loss provision to assets | 0.0276% | 3,266 |
| Net operating income to assets | 1.1868% | 2,195 |
| Return on assets (ROA) | 1.1799% | 2,297 |
| Pretax return on assets | 1.4500% | 2,031 |
| Return on Equity (ROE) | 9.4505% | 2,661 |
| Retained earnings to average equity (ytd only) | 6.9523% | 1,828 |
| Net charge-offs to loans | -0.2836% | 5,179 |
| Credit loss provision to net charge-offs | -17.9310% | 3,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4902% | 3,054 |
| Assets per employee ($millions) | 4.4406% | 3,234 |
| Cash dividends to net income (ytd only)* | 26.4344% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 668 |
| Loan loss allowance to noncurrent loans | 390.5160% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 3,399 |
| Noncurrent loans to loans | 0.4636% | 2,891 |
| Net loans and leases to total assets | 53.8563% | 4,220 |
| Net loans and leases to deposits | 62.7170% | 4,294 |
| Net loans and leases to core deposits | 66.7653% | 4,278 |
| Total domestic deposits to total assets | 85.8719% | 2,098 |
| Equity capital to assets | 13.1566% | 1,514 |
| Core capital (leverage) ratio | 13.0361% | 1,281 |
| Tier 1 risk-based capital ratio | 23.0285% | 944 |
| Total risk-based capital ratio | 24.2847% | 916 |
| Memoranda: | ||
| Average total assets | $564,270,000 | 1,287 |
| Average earning assets | $534,323,670 | 1,267 |
| Average equity | $70,451,000 | 1,205 |
| Average total loans | $306,765,670 | 1,591 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 3,644 |
| Cost of funding earning assets | 0.5668% | 3,753 |
| Net interest margin | 3.7044% | 2,878 |
| Noninterest income to average assets | 0.5726% | 2,173 |
| Noninterest expense to average assets | 2.7348% | 2,793 |
| Loan and lease loss provision to assets | 0.0553% | 2,563 |
| Net operating income to assets | 1.0546% | 2,646 |
| Return on assets (ROA) | 1.0581% | 2,674 |
| Pretax return on assets | 1.2834% | 2,521 |
| Return on Equity (ROE) | 8.7083% | 2,944 |
| Retained earnings to average equity (ytd only) | 6.1419% | 2,391 |
| Net charge-offs to loans | 0.0340% | 1,782 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 72.4231% | 826 |
| Efficiency ratio | 67.2065% | 2,757 |
| Assets per employee ($millions) | 4.5318% | 3,141 |
| Cash dividends to net income (ytd only)* | 29.4709% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 887 |
| Loan loss allowance to noncurrent loans | 448.8210% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 3,611 |
| Noncurrent loans to loans | 0.3751% | 3,238 |
| Net loans and leases to total assets | 52.5548% | 4,301 |
| Net loans and leases to deposits | 60.9658% | 4,362 |
| Net loans and leases to core deposits | 64.7657% | 4,340 |
| Total domestic deposits to total assets | 86.2038% | 2,185 |
| Equity capital to assets | 12.3630% | 1,813 |
| Core capital (leverage) ratio | 12.7075% | 1,396 |
| Tier 1 risk-based capital ratio | 22.5464% | 983 |
| Total risk-based capital ratio | 23.8008% | 960 |
| Memoranda: | ||
| Average total assets | $564,428,500 | 1,291 |
| Average earning assets | $532,772,000 | 1,270 |
| Average equity | $68,578,000 | 1,226 |
| Average total loans | $305,486,500 | 1,606 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 3,531 |
| Cost of funding earning assets | 0.5000% | 3,359 |
| Net interest margin | 3.6692% | 3,159 |
| Noninterest income to average assets | 0.6326% | 2,141 |
| Noninterest expense to average assets | 2.6071% | 3,314 |
| Loan and lease loss provision to assets | 0.0053% | 4,011 |
| Net operating income to assets | 1.2628% | 1,937 |
| Return on assets (ROA) | 1.2096% | 2,117 |
| Pretax return on assets | 1.4508% | 1,951 |
| Return on Equity (ROE) | 10.0688% | 2,488 |
| Retained earnings to average equity (ytd only) | -4.7911% | 5,242 |
| Net charge-offs to loans | -0.3003% | 5,307 |
| Credit loss provision to net charge-offs | -3.3370% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1677% | 3,310 |
| Assets per employee ($millions) | 4.4274% | 3,272 |
| Cash dividends to net income (ytd only)* | 147.5838% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 894 |
| Loan loss allowance to noncurrent loans | 440.8146% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 3,557 |
| Noncurrent loans to loans | 0.3774% | 3,183 |
| Net loans and leases to total assets | 53.8954% | 4,286 |
| Net loans and leases to deposits | 62.2552% | 4,360 |
| Net loans and leases to core deposits | 66.0673% | 4,351 |
| Total domestic deposits to total assets | 86.5717% | 1,977 |
| Equity capital to assets | 11.9320% | 1,951 |
| Core capital (leverage) ratio | 12.3895% | 1,519 |
| Tier 1 risk-based capital ratio | 21.9967% | 1,035 |
| Total risk-based capital ratio | 23.2508% | 1,013 |
| Memoranda: | ||
| Average total assets | $569,673,800 | 1,249 |
| Average earning assets | $542,567,800 | 1,228 |
| Average equity | $68,439,400 | 1,182 |
| Average total loans | $299,359,200 | 1,602 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 3,578 |
| Cost of funding earning assets | 0.4841% | 3,302 |
| Net interest margin | 3.6321% | 3,262 |
| Noninterest income to average assets | 0.6324% | 2,154 |
| Noninterest expense to average assets | 2.5414% | 3,473 |
| Loan and lease loss provision to assets | 0.0063% | 3,848 |
| Net operating income to assets | 1.2422% | 2,071 |
| Return on assets (ROA) | 1.1886% | 2,283 |
| Pretax return on assets | 1.4741% | 1,985 |
| Return on Equity (ROE) | 9.8776% | 2,679 |
| Retained earnings to average equity (ytd only) | -6.7140% | 5,346 |
| Net charge-offs to loans | -0.4585% | 5,392 |
| Credit loss provision to net charge-offs | -2.6367% | 4,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1689% | 3,484 |
| Assets per employee ($millions) | 4.5132% | 3,105 |
| Cash dividends to net income (ytd only)* | 167.9725% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 812 |
| Loan loss allowance to noncurrent loans | 364.0112% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3067% | 3,468 |
| Noncurrent loans to loans | 0.4781% | 2,954 |
| Net loans and leases to total assets | 51.3068% | 4,508 |
| Net loans and leases to deposits | 58.8530% | 4,604 |
| Net loans and leases to core deposits | 62.4778% | 4,592 |
| Total domestic deposits to total assets | 87.1779% | 1,651 |
| Equity capital to assets | 11.1922% | 2,480 |
| Core capital (leverage) ratio | 12.2026% | 1,666 |
| Tier 1 risk-based capital ratio | 21.8257% | 1,072 |
| Total risk-based capital ratio | 23.0806% | 1,050 |
| Memoranda: | ||
| Average total assets | $572,629,000 | 1,248 |
| Average earning assets | $544,801,500 | 1,228 |
| Average equity | $68,908,500 | 1,172 |
| Average total loans | $297,763,000 | 1,611 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 3,513 |
| Cost of funding earning assets | 0.4658% | 3,249 |
| Net interest margin | 3.6187% | 3,242 |
| Noninterest income to average assets | 0.6306% | 2,179 |
| Noninterest expense to average assets | 2.5036% | 3,621 |
| Loan and lease loss provision to assets | 0.0063% | 3,713 |
| Net operating income to assets | 1.2578% | 1,951 |
| Return on assets (ROA) | 1.2120% | 2,141 |
| Pretax return on assets | 1.5030% | 1,804 |
| Return on Equity (ROE) | 9.8419% | 2,638 |
| Retained earnings to average equity (ytd only) | 2.3945% | 4,316 |
| Net charge-offs to loans | -0.7105% | 5,467 |
| Credit loss provision to net charge-offs | -1.7045% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5213% | 3,691 |
| Assets per employee ($millions) | 4.5640% | 3,029 |
| Cash dividends to net income (ytd only)* | 75.6702% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 827 |
| Loan loss allowance to noncurrent loans | 400.3060% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 3,398 |
| Noncurrent loans to loans | 0.4364% | 3,134 |
| Net loans and leases to total assets | 51.5840% | 4,500 |
| Net loans and leases to deposits | 60.3954% | 4,508 |
| Net loans and leases to core deposits | 64.3345% | 4,472 |
| Total domestic deposits to total assets | 85.4104% | 2,525 |
| Equity capital to assets | 12.2248% | 1,709 |
| Core capital (leverage) ratio | 13.0087% | 1,213 |
| Tier 1 risk-based capital ratio | 23.4902% | 888 |
| Total risk-based capital ratio | 24.7451% | 856 |
| Memoranda: | ||
| Average total assets | $572,447,000 | 1,252 |
| Average earning assets | $544,013,670 | 1,232 |
| Average equity | $70,494,330 | 1,151 |
| Average total loans | $297,255,000 | 1,620 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 3,533 |
| Cost of funding earning assets | 0.4499% | 3,202 |
| Net interest margin | 3.5720% | 3,274 |
| Noninterest income to average assets | 0.6439% | 2,062 |
| Noninterest expense to average assets | 2.5329% | 3,552 |
| Loan and lease loss provision to assets | 0.0063% | 3,425 |
| Net operating income to assets | 1.2167% | 1,939 |
| Return on assets (ROA) | 1.2173% | 1,945 |
| Pretax return on assets | 1.5116% | 1,661 |
| Return on Equity (ROE) | 9.8489% | 2,510 |
| Retained earnings to average equity (ytd only) | 1.8061% | 4,411 |
| Net charge-offs to loans | -1.4480% | 5,551 |
| Credit loss provision to net charge-offs | -0.8396% | 3,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5388% | 3,700 |
| Assets per employee ($millions) | 4.5618% | 3,049 |
| Cash dividends to net income (ytd only)* | 81.6619% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7628% | 842 |
| Loan loss allowance to noncurrent loans | 540.6605% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 3,616 |
| Noncurrent loans to loans | 0.3260% | 3,599 |
| Net loans and leases to total assets | 51.2014% | 4,485 |
| Net loans and leases to deposits | 59.4513% | 4,512 |
| Net loans and leases to core deposits | 63.0942% | 4,483 |
| Total domestic deposits to total assets | 86.1232% | 2,491 |
| Equity capital to assets | 12.1942% | 1,664 |
| Core capital (leverage) ratio | 12.8147% | 1,245 |
| Tier 1 risk-based capital ratio | 23.3456% | 911 |
| Total risk-based capital ratio | 24.6004% | 886 |
| Memoranda: | ||
| Average total assets | $573,423,000 | 1,263 |
| Average earning assets | $546,809,000 | 1,232 |
| Average equity | $70,870,500 | 1,155 |
| Average total loans | $296,124,500 | 1,627 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 3,602 |
| Cost of funding earning assets | 0.4541% | 2,732 |
| Net interest margin | 3.4876% | 3,566 |
| Noninterest income to average assets | 0.6263% | 2,325 |
| Noninterest expense to average assets | 2.4120% | 4,047 |
| Loan and lease loss provision to assets | 0.1314% | 1,746 |
| Net operating income to assets | 0.8498% | 2,954 |
| Return on assets (ROA) | 0.8523% | 2,966 |
| Pretax return on assets | 1.3826% | 2,049 |
| Return on Equity (ROE) | 6.9627% | 3,298 |
| Retained earnings to average equity (ytd only) | 4.4186% | 2,507 |
| Net charge-offs to loans | 0.5158% | 454 |
| Credit loss provision to net charge-offs | 51.3369% | 3,314 |
| Earnings coverage of net charge-offs (x) | 5.8991% | 3,257 |
| Efficiency ratio | 61.4982% | 4,016 |
| Assets per employee ($millions) | 4.1483% | 3,742 |
| Cash dividends to net income (ytd only)* | 36.5388% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 1,730 |
| Loan loss allowance to noncurrent loans | 199.2333% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,974 |
| Noncurrent loans to loans | 0.7074% | 2,439 |
| Net loans and leases to total assets | 50.4472% | 4,624 |
| Net loans and leases to deposits | 59.5767% | 4,594 |
| Net loans and leases to core deposits | 63.5393% | 4,566 |
| Total domestic deposits to total assets | 84.6761% | 2,959 |
| Equity capital to assets | 12.5224% | 1,504 |
| Core capital (leverage) ratio | 12.7513% | 1,238 |
| Tier 1 risk-based capital ratio | 23.3370% | 878 |
| Total risk-based capital ratio | 24.5878% | 862 |
| Memoranda: | ||
| Average total assets | $584,400,600 | 1,227 |
| Average earning assets | $552,265,600 | 1,206 |
| Average equity | $71,538,600 | 1,113 |
| Average total loans | $290,049,000 | 1,611 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 3,632 |
| Cost of funding earning assets | 0.4505% | 2,711 |
| Net interest margin | 3.4664% | 3,621 |
| Noninterest income to average assets | 0.6058% | 2,445 |
| Noninterest expense to average assets | 2.3546% | 4,138 |
| Loan and lease loss provision to assets | 0.1044% | 2,023 |
| Net operating income to assets | 0.9975% | 2,566 |
| Return on assets (ROA) | 1.0017% | 2,596 |
| Pretax return on assets | 1.4212% | 2,057 |
| Return on Equity (ROE) | 8.2290% | 3,007 |
| Retained earnings to average equity (ytd only) | 5.8472% | 2,341 |
| Net charge-offs to loans | 0.3333% | 629 |
| Credit loss provision to net charge-offs | 63.5734% | 2,764 |
| Earnings coverage of net charge-offs (x) | 9.2563% | 2,710 |
| Efficiency ratio | 60.7759% | 4,078 |
| Assets per employee ($millions) | 4.5804% | 3,001 |
| Cash dividends to net income (ytd only)* | 28.9444% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 1,301 |
| Loan loss allowance to noncurrent loans | 447.5315% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 3,647 |
| Noncurrent loans to loans | 0.3510% | 3,689 |
| Net loans and leases to total assets | 49.0220% | 4,766 |
| Net loans and leases to deposits | 57.0507% | 4,814 |
| Net loans and leases to core deposits | 60.7677% | 4,778 |
| Total domestic deposits to total assets | 85.9270% | 2,337 |
| Equity capital to assets | 12.5390% | 1,639 |
| Core capital (leverage) ratio | 12.5409% | 1,403 |
| Tier 1 risk-based capital ratio | 23.0691% | 940 |
| Total risk-based capital ratio | 24.3215% | 926 |
| Memoranda: | ||
| Average total assets | $586,347,000 | 1,231 |
| Average earning assets | $552,872,000 | 1,207 |
| Average equity | $71,371,750 | 1,119 |
| Average total loans | $288,800,250 | 1,622 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 3,467 |
| Cost of funding earning assets | 0.4481% | 2,618 |
| Net interest margin | 3.4773% | 3,481 |
| Noninterest income to average assets | 0.5885% | 2,520 |
| Noninterest expense to average assets | 2.3634% | 4,167 |
| Loan and lease loss provision to assets | 0.1539% | 1,305 |
| Net operating income to assets | 0.9449% | 2,692 |
| Return on assets (ROA) | 0.9483% | 2,728 |
| Pretax return on assets | 1.3457% | 2,227 |
| Return on Equity (ROE) | 7.8705% | 3,112 |
| Retained earnings to average equity (ytd only) | 5.4580% | 2,431 |
| Net charge-offs to loans | 0.3283% | 613 |
| Credit loss provision to net charge-offs | 95.5414% | 2,089 |
| Earnings coverage of net charge-offs (x) | 9.2803% | 2,450 |
| Efficiency ratio | 61.2569% | 4,126 |
| Assets per employee ($millions) | 4.4626% | 3,173 |
| Cash dividends to net income (ytd only)* | 30.6527% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 1,082 |
| Loan loss allowance to noncurrent loans | 470.5029% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 3,588 |
| Noncurrent loans to loans | 0.3586% | 3,744 |
| Net loans and leases to total assets | 48.8686% | 4,774 |
| Net loans and leases to deposits | 57.0416% | 4,801 |
| Net loans and leases to core deposits | 60.8123% | 4,780 |
| Total domestic deposits to total assets | 85.6720% | 2,536 |
| Equity capital to assets | 12.6019% | 1,572 |
| Core capital (leverage) ratio | 12.5116% | 1,361 |
| Tier 1 risk-based capital ratio | 23.0842% | 941 |
| Total risk-based capital ratio | 24.3380% | 932 |
| Memoranda: | ||
| Average total assets | $584,836,670 | 1,235 |
| Average earning assets | $549,910,000 | 1,216 |
| Average equity | $70,465,670 | 1,130 |
| Average total loans | $286,972,670 | 1,626 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8304% | 3,653 |
| Cost of funding earning assets | 0.4482% | 2,539 |
| Net interest margin | 3.3823% | 3,702 |
| Noninterest income to average assets | 0.6063% | 2,384 |
| Noninterest expense to average assets | 2.3318% | 4,317 |
| Loan and lease loss provision to assets | 0.1533% | 1,202 |
| Net operating income to assets | 0.9132% | 2,693 |
| Return on assets (ROA) | 0.9142% | 2,743 |
| Pretax return on assets | 1.2998% | 2,233 |
| Return on Equity (ROE) | 7.7635% | 3,033 |
| Retained earnings to average equity (ytd only) | 5.3048% | 2,734 |
| Net charge-offs to loans | 0.2375% | 754 |
| Credit loss provision to net charge-offs | 132.3529% | 1,300 |
| Earnings coverage of net charge-offs (x) | 12.5353% | 1,836 |
| Efficiency ratio | 61.6313% | 4,205 |
| Assets per employee ($millions) | 4.7808% | 2,728 |
| Cash dividends to net income (ytd only)* | 31.6692% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 1,081 |
| Loan loss allowance to noncurrent loans | 341.2293% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 3,478 |
| Noncurrent loans to loans | 0.5087% | 3,289 |
| Net loans and leases to total assets | 47.9529% | 4,828 |
| Net loans and leases to deposits | 55.1673% | 4,867 |
| Net loans and leases to core deposits | 58.6485% | 4,845 |
| Total domestic deposits to total assets | 86.9227% | 2,253 |
| Equity capital to assets | 12.0361% | 1,808 |
| Core capital (leverage) ratio | 12.0691% | 1,583 |
| Tier 1 risk-based capital ratio | 22.8541% | 998 |
| Total risk-based capital ratio | 24.1078% | 976 |
| Memoranda: | ||
| Average total assets | $587,187,500 | 1,226 |
| Average earning assets | $551,584,000 | 1,207 |
| Average equity | $69,144,500 | 1,148 |
| Average total loans | $286,274,500 | 1,641 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 3,428 |
| Cost of funding earning assets | 0.4855% | 2,200 |
| Net interest margin | 3.4519% | 3,620 |
| Noninterest income to average assets | 0.6201% | 2,552 |
| Noninterest expense to average assets | 2.4052% | 4,291 |
| Loan and lease loss provision to assets | 0.2070% | 1,097 |
| Net operating income to assets | 0.9421% | 2,621 |
| Return on assets (ROA) | 0.9444% | 2,717 |
| Pretax return on assets | 1.2483% | 2,478 |
| Return on Equity (ROE) | 7.6964% | 3,116 |
| Retained earnings to average equity (ytd only) | 2.2725% | 4,233 |
| Net charge-offs to loans | 0.4000% | 660 |
| Credit loss provision to net charge-offs | 109.8732% | 2,386 |
| Earnings coverage of net charge-offs (x) | 7.7083% | 2,975 |
| Efficiency ratio | 62.3518% | 4,195 |
| Assets per employee ($millions) | 4.8452% | 2,583 |
| Cash dividends to net income (ytd only)* | 70.4734% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 1,143 |
| Loan loss allowance to noncurrent loans | 276.2012% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 3,553 |
| Noncurrent loans to loans | 0.6144% | 3,007 |
| Net loans and leases to total assets | 47.8810% | 4,907 |
| Net loans and leases to deposits | 56.2021% | 4,903 |
| Net loans and leases to core deposits | 59.7078% | 4,872 |
| Total domestic deposits to total assets | 85.1944% | 2,958 |
| Equity capital to assets | 11.5184% | 2,151 |
| Core capital (leverage) ratio | 11.9604% | 1,626 |
| Tier 1 risk-based capital ratio | 22.1830% | 1,053 |
| Total risk-based capital ratio | 23.4363% | 1,027 |
| Memoranda: | ||
| Average total assets | $585,989,600 | 1,194 |
| Average earning assets | $549,550,800 | 1,170 |
| Average equity | $71,903,400 | 1,098 |
| Average total loans | $275,978,400 | 1,636 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9528% | 3,405 |
| Cost of funding earning assets | 0.4893% | 2,182 |
| Net interest margin | 3.4635% | 3,616 |
| Noninterest income to average assets | 0.6369% | 2,489 |
| Noninterest expense to average assets | 2.4132% | 4,245 |
| Loan and lease loss provision to assets | 0.1482% | 1,584 |
| Net operating income to assets | 0.9346% | 2,726 |
| Return on assets (ROA) | 0.9370% | 2,844 |
| Pretax return on assets | 1.3299% | 2,311 |
| Return on Equity (ROE) | 7.5195% | 3,283 |
| Retained earnings to average equity (ytd only) | 1.4347% | 4,938 |
| Net charge-offs to loans | 0.4645% | 457 |
| Credit loss provision to net charge-offs | 68.3491% | 2,817 |
| Earnings coverage of net charge-offs (x) | 6.8002% | 2,963 |
| Efficiency ratio | 62.0704% | 4,217 |
| Assets per employee ($millions) | 4.8772% | 2,527 |
| Cash dividends to net income (ytd only)* | 80.9199% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 1,493 |
| Loan loss allowance to noncurrent loans | 284.1905% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 3,595 |
| Noncurrent loans to loans | 0.5605% | 3,318 |
| Net loans and leases to total assets | 46.4687% | 5,064 |
| Net loans and leases to deposits | 54.0757% | 5,109 |
| Net loans and leases to core deposits | 57.3467% | 5,086 |
| Total domestic deposits to total assets | 85.9327% | 2,394 |
| Equity capital to assets | 12.3212% | 1,882 |
| Core capital (leverage) ratio | 11.8870% | 1,756 |
| Tier 1 risk-based capital ratio | 22.3530% | 1,083 |
| Total risk-based capital ratio | 23.6053% | 1,066 |
| Memoranda: | ||
| Average total assets | $584,708,750 | 1,199 |
| Average earning assets | $548,827,000 | 1,173 |
| Average equity | $72,857,500 | 1,093 |
| Average total loans | $272,993,750 | 1,658 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 3,442 |
| Cost of funding earning assets | 0.4904% | 2,185 |
| Net interest margin | 3.4560% | 3,660 |
| Noninterest income to average assets | 0.6400% | 2,419 |
| Noninterest expense to average assets | 2.3590% | 4,457 |
| Loan and lease loss provision to assets | 0.1899% | 1,143 |
| Net operating income to assets | 0.9412% | 2,669 |
| Return on assets (ROA) | 0.9448% | 2,792 |
| Pretax return on assets | 1.3405% | 2,246 |
| Return on Equity (ROE) | 7.5538% | 3,231 |
| Retained earnings to average equity (ytd only) | 5.2156% | 2,593 |
| Net charge-offs to loans | 0.5919% | 355 |
| Credit loss provision to net charge-offs | 69.0000% | 2,486 |
| Earnings coverage of net charge-offs (x) | 5.5413% | 2,844 |
| Efficiency ratio | 60.7317% | 4,548 |
| Assets per employee ($millions) | 4.6147% | 2,847 |
| Cash dividends to net income (ytd only)* | 30.9541% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 1,414 |
| Loan loss allowance to noncurrent loans | 233.9360% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 3,303 |
| Noncurrent loans to loans | 0.7035% | 2,965 |
| Net loans and leases to total assets | 46.9225% | 5,072 |
| Net loans and leases to deposits | 55.3418% | 5,058 |
| Net loans and leases to core deposits | 58.8423% | 5,032 |
| Total domestic deposits to total assets | 84.7868% | 2,966 |
| Equity capital to assets | 13.0625% | 1,464 |
| Core capital (leverage) ratio | 12.2718% | 1,473 |
| Tier 1 risk-based capital ratio | 23.2996% | 978 |
| Total risk-based capital ratio | 24.5525% | 962 |
| Memoranda: | ||
| Average total assets | $581,270,330 | 1,208 |
| Average earning assets | $545,666,000 | 1,189 |
| Average equity | $72,705,330 | 1,098 |
| Average total loans | $270,333,000 | 1,673 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 3,701 |
| Cost of funding earning assets | 0.4917% | 2,165 |
| Net interest margin | 3.3770% | 3,955 |
| Noninterest income to average assets | 0.6410% | 2,313 |
| Noninterest expense to average assets | 2.3233% | 4,596 |
| Loan and lease loss provision to assets | 0.1906% | 1,039 |
| Net operating income to assets | 0.9129% | 2,685 |
| Return on assets (ROA) | 0.9124% | 2,805 |
| Pretax return on assets | 1.2950% | 2,331 |
| Return on Equity (ROE) | 7.4584% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.0768% | 2,892 |
| Net charge-offs to loans | 0.0687% | 1,797 |
| Credit loss provision to net charge-offs | 604.3478% | 522 |
| Earnings coverage of net charge-offs (x) | 47.1304% | 917 |
| Efficiency ratio | 60.9861% | 4,603 |
| Assets per employee ($millions) | 4.8946% | 2,466 |
| Cash dividends to net income (ytd only)* | 31.9309% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 1,014 |
| Loan loss allowance to noncurrent loans | 167.1896% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8927% | 2,456 |
| Noncurrent loans to loans | 1.1181% | 2,159 |
| Net loans and leases to total assets | 44.7667% | 5,205 |
| Net loans and leases to deposits | 52.8071% | 5,176 |
| Net loans and leases to core deposits | 56.0794% | 5,129 |
| Total domestic deposits to total assets | 84.7741% | 3,219 |
| Equity capital to assets | 12.3491% | 1,784 |
| Core capital (leverage) ratio | 11.8697% | 1,697 |
| Tier 1 risk-based capital ratio | 22.8871% | 1,024 |
| Total risk-based capital ratio | 24.1419% | 1,004 |
| Memoranda: | ||
| Average total assets | $583,485,500 | 1,207 |
| Average earning assets | $547,471,500 | 1,185 |
| Average equity | $71,383,000 | 1,109 |
| Average total loans | $267,901,000 | 1,679 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 3,360 |
| Cost of funding earning assets | 0.5443% | 1,813 |
| Net interest margin | 3.4417% | 3,750 |
| Noninterest income to average assets | 0.6669% | 2,366 |
| Noninterest expense to average assets | 2.8426% | 3,062 |
| Loan and lease loss provision to assets | 0.2448% | 778 |
| Net operating income to assets | 0.6402% | 4,085 |
| Return on assets (ROA) | 0.6569% | 4,098 |
| Pretax return on assets | 0.8337% | 4,095 |
| Return on Equity (ROE) | 5.4158% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.6608% | 4,179 |
| Net charge-offs to loans | 0.4951% | 540 |
| Credit loss provision to net charge-offs | 103.3626% | 2,428 |
| Earnings coverage of net charge-offs (x) | 4.4642% | 3,557 |
| Efficiency ratio | 72.8879% | 2,757 |
| Assets per employee ($millions) | 5.0844% | 2,267 |
| Cash dividends to net income (ytd only)* | 50.8698% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7834% | 1,165 |
| Loan loss allowance to noncurrent loans | 160.3558% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 2,441 |
| Noncurrent loans to loans | 1.1122% | 2,113 |
| Net loans and leases to total assets | 45.3880% | 5,200 |
| Net loans and leases to deposits | 53.8813% | 5,168 |
| Net loans and leases to core deposits | 57.2868% | 5,140 |
| Total domestic deposits to total assets | 84.2370% | 3,386 |
| Equity capital to assets | 12.1172% | 1,870 |
| Core capital (leverage) ratio | 11.9844% | 1,625 |
| Tier 1 risk-based capital ratio | 22.4880% | 1,087 |
| Total risk-based capital ratio | 23.7416% | 1,063 |
| Memoranda: | ||
| Average total assets | $577,561,000 | 1,181 |
| Average earning assets | $542,555,400 | 1,164 |
| Average equity | $70,054,800 | 1,089 |
| Average total loans | $276,306,000 | 1,587 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9842% | 3,399 |
| Cost of funding earning assets | 0.5543% | 1,767 |
| Net interest margin | 3.4300% | 3,836 |
| Noninterest income to average assets | 0.6486% | 2,493 |
| Noninterest expense to average assets | 2.2729% | 4,847 |
| Loan and lease loss provision to assets | 0.2445% | 716 |
| Net operating income to assets | 0.9530% | 2,699 |
| Return on assets (ROA) | 0.9727% | 2,692 |
| Pretax return on assets | 1.3808% | 2,096 |
| Return on Equity (ROE) | 8.0177% | 3,061 |
| Retained earnings to average equity (ytd only) | 5.4943% | 2,584 |
| Net charge-offs to loans | 0.3362% | 779 |
| Credit loss provision to net charge-offs | 150.7123% | 1,667 |
| Earnings coverage of net charge-offs (x) | 9.8461% | 2,656 |
| Efficiency ratio | 58.7319% | 5,039 |
| Assets per employee ($millions) | 5.1122% | 2,162 |
| Cash dividends to net income (ytd only)* | 31.4727% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8764% | 1,126 |
| Loan loss allowance to noncurrent loans | 159.8178% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 1,694 |
| Noncurrent loans to loans | 1.1741% | 2,179 |
| Net loans and leases to total assets | 45.6453% | 5,252 |
| Net loans and leases to deposits | 53.4935% | 5,283 |
| Net loans and leases to core deposits | 56.7734% | 5,264 |
| Total domestic deposits to total assets | 85.3286% | 2,868 |
| Equity capital to assets | 12.3491% | 1,832 |
| Core capital (leverage) ratio | 12.0928% | 1,624 |
| Tier 1 risk-based capital ratio | 22.6486% | 1,103 |
| Total risk-based capital ratio | 23.9034% | 1,080 |
| Memoranda: | ||
| Average total assets | $577,045,250 | 1,185 |
| Average earning assets | $541,955,000 | 1,167 |
| Average equity | $70,010,000 | 1,095 |
| Average total loans | $278,418,250 | 1,573 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,477 |
| Cost of funding earning assets | 0.5577% | 1,758 |
| Net interest margin | 3.3940% | 3,928 |
| Noninterest income to average assets | 0.6565% | 2,440 |
| Noninterest expense to average assets | 2.2263% | 5,035 |
| Loan and lease loss provision to assets | 0.2445% | 730 |
| Net operating income to assets | 0.9816% | 2,494 |
| Return on assets (ROA) | 1.0113% | 2,448 |
| Pretax return on assets | 1.4365% | 1,846 |
| Return on Equity (ROE) | 8.3856% | 2,854 |
| Retained earnings to average equity (ytd only) | 5.6462% | 2,435 |
| Net charge-offs to loans | 0.5861% | 411 |
| Credit loss provision to net charge-offs | 85.4192% | 2,268 |
| Earnings coverage of net charge-offs (x) | 5.7254% | 2,897 |
| Efficiency ratio | 57.6030% | 5,267 |
| Assets per employee ($millions) | 5.0190% | 2,255 |
| Cash dividends to net income (ytd only)* | 32.6685% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 1,764 |
| Loan loss allowance to noncurrent loans | 73.1672% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.6560% | 1,448 |
| Noncurrent loans to loans | 2.2471% | 1,059 |
| Net loans and leases to total assets | 48.6365% | 5,041 |
| Net loans and leases to deposits | 56.6717% | 5,083 |
| Net loans and leases to core deposits | 60.2868% | 5,053 |
| Total domestic deposits to total assets | 85.8215% | 2,785 |
| Equity capital to assets | 12.2423% | 1,843 |
| Core capital (leverage) ratio | 12.0092% | 1,657 |
| Tier 1 risk-based capital ratio | 21.6523% | 1,258 |
| Total risk-based capital ratio | 22.9047% | 1,240 |
| Memoranda: | ||
| Average total assets | $575,129,000 | 1,193 |
| Average earning assets | $543,672,670 | 1,163 |
| Average equity | $69,356,670 | 1,105 |
| Average total loans | $280,856,000 | 1,556 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 3,748 |
| Cost of funding earning assets | 0.5657% | 1,698 |
| Net interest margin | 3.3044% | 4,197 |
| Noninterest income to average assets | 0.6645% | 2,338 |
| Noninterest expense to average assets | 2.1709% | 5,223 |
| Loan and lease loss provision to assets | 0.2445% | 684 |
| Net operating income to assets | 0.9672% | 2,409 |
| Return on assets (ROA) | 1.0257% | 2,291 |
| Pretax return on assets | 1.4594% | 1,700 |
| Return on Equity (ROE) | 8.5690% | 2,661 |
| Retained earnings to average equity (ytd only) | 6.4051% | 2,284 |
| Net charge-offs to loans | 0.7457% | 316 |
| Credit loss provision to net charge-offs | 67.5573% | 1,938 |
| Earnings coverage of net charge-offs (x) | 4.4771% | 2,490 |
| Efficiency ratio | 57.2600% | 5,416 |
| Assets per employee ($millions) | 5.0365% | 2,306 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 1,947 |
| Loan loss allowance to noncurrent loans | 58.0871% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.6668% | 1,515 |
| Noncurrent loans to loans | 2.8050% | 821 |
| Net loans and leases to total assets | 47.5425% | 5,079 |
| Net loans and leases to deposits | 54.9277% | 5,129 |
| Net loans and leases to core deposits | 58.6171% | 5,082 |
| Total domestic deposits to total assets | 86.5547% | 2,630 |
| Equity capital to assets | 12.2238% | 1,874 |
| Core capital (leverage) ratio | 11.7464% | 1,811 |
| Tier 1 risk-based capital ratio | 21.4295% | 1,341 |
| Total risk-based capital ratio | 22.6816% | 1,313 |
| Memoranda: | ||
| Average total assets | $579,122,500 | 1,190 |
| Average earning assets | $547,996,000 | 1,155 |
| Average equity | $69,319,500 | 1,113 |
| Average total loans | $281,059,500 | 1,554 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 3,211 |
| Cost of funding earning assets | 0.6863% | 1,172 |
| Net interest margin | 3.4417% | 4,015 |
| Noninterest income to average assets | 0.5985% | 2,865 |
| Noninterest expense to average assets | 2.2690% | 5,193 |
| Loan and lease loss provision to assets | 0.2518% | 901 |
| Net operating income to assets | 1.0002% | 2,378 |
| Return on assets (ROA) | 1.0139% | 2,399 |
| Pretax return on assets | 1.3156% | 2,193 |
| Return on Equity (ROE) | 8.9590% | 2,606 |
| Retained earnings to average equity (ytd only) | 6.4410% | 1,686 |
| Net charge-offs to loans | 0.9529% | 329 |
| Credit loss provision to net charge-offs | 52.7152% | 3,424 |
| Earnings coverage of net charge-offs (x) | 3.2442% | 3,938 |
| Efficiency ratio | 59.4196% | 5,293 |
| Assets per employee ($millions) | 4.9072% | 2,445 |
| Cash dividends to net income (ytd only)* | 28.1065% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 1,834 |
| Loan loss allowance to noncurrent loans | 61.4975% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.6776% | 1,604 |
| Noncurrent loans to loans | 2.7261% | 892 |
| Net loans and leases to total assets | 47.9170% | 5,166 |
| Net loans and leases to deposits | 56.1844% | 5,173 |
| Net loans and leases to core deposits | 59.8448% | 5,154 |
| Total domestic deposits to total assets | 85.2853% | 3,170 |
| Equity capital to assets | 11.7156% | 2,240 |
| Core capital (leverage) ratio | 11.5990% | 1,900 |
| Tier 1 risk-based capital ratio | 21.8772% | 1,242 |
| Total risk-based capital ratio | 23.1309% | 1,219 |
| Memoranda: | ||
| Average total assets | $566,717,400 | 1,165 |
| Average earning assets | $530,238,200 | 1,144 |
| Average equity | $64,136,400 | 1,143 |
| Average total loans | $284,093,200 | 1,497 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 3,160 |
| Cost of funding earning assets | 0.7097% | 1,109 |
| Net interest margin | 3.4442% | 4,043 |
| Noninterest income to average assets | 0.5964% | 2,903 |
| Noninterest expense to average assets | 2.1903% | 5,372 |
| Loan and lease loss provision to assets | 0.2550% | 839 |
| Net operating income to assets | 0.9661% | 2,617 |
| Return on assets (ROA) | 0.9826% | 2,595 |
| Pretax return on assets | 1.3950% | 2,033 |
| Return on Equity (ROE) | 8.7620% | 2,806 |
| Retained earnings to average equity (ytd only) | 6.3363% | 2,196 |
| Net charge-offs to loans | 1.0968% | 264 |
| Credit loss provision to net charge-offs | 46.0487% | 3,175 |
| Earnings coverage of net charge-offs (x) | 2.9368% | 3,788 |
| Efficiency ratio | 57.3881% | 5,524 |
| Assets per employee ($millions) | 4.9622% | 2,286 |
| Cash dividends to net income (ytd only)* | 27.6842% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 2,076 |
| Loan loss allowance to noncurrent loans | 58.9594% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.7327% | 1,727 |
| Noncurrent loans to loans | 2.8285% | 979 |
| Net loans and leases to total assets | 48.2214% | 5,185 |
| Net loans and leases to deposits | 55.6716% | 5,266 |
| Net loans and leases to core deposits | 59.2035% | 5,250 |
| Total domestic deposits to total assets | 86.6177% | 2,515 |
| Equity capital to assets | 11.3987% | 2,586 |
| Core capital (leverage) ratio | 11.3977% | 2,135 |
| Tier 1 risk-based capital ratio | 21.3532% | 1,383 |
| Total risk-based capital ratio | 22.6066% | 1,354 |
| Memoranda: | ||
| Average total assets | $563,635,000 | 1,186 |
| Average earning assets | $526,984,250 | 1,158 |
| Average equity | $63,210,750 | 1,162 |
| Average total loans | $284,568,250 | 1,502 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 3,017 |
| Cost of funding earning assets | 0.7267% | 1,040 |
| Net interest margin | 3.4565% | 3,959 |
| Noninterest income to average assets | 0.6402% | 2,600 |
| Noninterest expense to average assets | 2.2026% | 5,406 |
| Loan and lease loss provision to assets | 0.2513% | 868 |
| Net operating income to assets | 1.0008% | 2,320 |
| Return on assets (ROA) | 0.9936% | 2,421 |
| Pretax return on assets | 1.4101% | 1,856 |
| Return on Equity (ROE) | 8.9101% | 2,634 |
| Retained earnings to average equity (ytd only) | 6.4190% | 2,079 |
| Net charge-offs to loans | 1.4734% | 189 |
| Credit loss provision to net charge-offs | 33.4447% | 3,008 |
| Earnings coverage of net charge-offs (x) | 2.2252% | 3,599 |
| Efficiency ratio | 56.8508% | 5,671 |
| Assets per employee ($millions) | 5.1732% | 2,001 |
| Cash dividends to net income (ytd only)* | 27.9582% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 2,364 |
| Loan loss allowance to noncurrent loans | 42.5007% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 2.3887% | 1,214 |
| Noncurrent loans to loans | 3.8294% | 641 |
| Net loans and leases to total assets | 49.4795% | 5,016 |
| Net loans and leases to deposits | 57.0430% | 5,117 |
| Net loans and leases to core deposits | 60.7199% | 5,082 |
| Total domestic deposits to total assets | 86.7407% | 2,612 |
| Equity capital to assets | 11.5845% | 2,345 |
| Core capital (leverage) ratio | 11.5700% | 1,947 |
| Tier 1 risk-based capital ratio | 21.2039% | 1,407 |
| Total risk-based capital ratio | 22.4571% | 1,381 |
| Memoranda: | ||
| Average total assets | $557,986,000 | 1,196 |
| Average earning assets | $522,083,670 | 1,167 |
| Average equity | $62,221,330 | 1,169 |
| Average total loans | $284,520,000 | 1,502 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 2,951 |
| Cost of funding earning assets | 0.7398% | 1,018 |
| Net interest margin | 3.4394% | 3,942 |
| Noninterest income to average assets | 0.6306% | 2,564 |
| Noninterest expense to average assets | 2.2060% | 5,448 |
| Loan and lease loss provision to assets | 0.2537% | 848 |
| Net operating income to assets | 0.9693% | 2,324 |
| Return on assets (ROA) | 0.9693% | 2,392 |
| Pretax return on assets | 1.3772% | 1,825 |
| Return on Equity (ROE) | 8.8675% | 2,528 |
| Retained earnings to average equity (ytd only) | 6.2303% | 2,421 |
| Net charge-offs to loans | 0.2077% | 1,507 |
| Credit loss provision to net charge-offs | 237.8378% | 930 |
| Earnings coverage of net charge-offs (x) | 15.2905% | 1,556 |
| Efficiency ratio | 57.4944% | 5,705 |
| Assets per employee ($millions) | 5.2073% | 2,005 |
| Cash dividends to net income (ytd only)* | 29.7398% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1944% | 1,169 |
| Loan loss allowance to noncurrent loans | 73.4460% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.1481% | 1,561 |
| Noncurrent loans to loans | 2.9877% | 1,057 |
| Net loans and leases to total assets | 49.2556% | 4,973 |
| Net loans and leases to deposits | 56.7682% | 5,048 |
| Net loans and leases to core deposits | 60.4869% | 4,995 |
| Total domestic deposits to total assets | 86.7662% | 2,957 |
| Equity capital to assets | 11.0784% | 2,649 |
| Core capital (leverage) ratio | 11.4354% | 2,017 |
| Tier 1 risk-based capital ratio | 21.3458% | 1,407 |
| Total risk-based capital ratio | 22.6061% | 1,383 |
| Memoranda: | ||
| Average total assets | $555,042,000 | 1,203 |
| Average earning assets | $517,421,000 | 1,188 |
| Average equity | $60,671,000 | 1,199 |
| Average total loans | $284,971,000 | 1,505 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 3,254 |
| Cost of funding earning assets | 0.9396% | 608 |
| Net interest margin | 3.2841% | 4,723 |
| Noninterest income to average assets | 0.5915% | 3,141 |
| Noninterest expense to average assets | 2.0659% | 5,902 |
| Loan and lease loss provision to assets | 0.4261% | 692 |
| Net operating income to assets | 1.0281% | 2,208 |
| Return on assets (ROA) | 1.0278% | 2,272 |
| Pretax return on assets | 1.1806% | 2,652 |
| Return on Equity (ROE) | 9.4005% | 2,370 |
| Retained earnings to average equity (ytd only) | 6.5976% | 1,629 |
| Net charge-offs to loans | 0.5961% | 1,105 |
| Credit loss provision to net charge-offs | 136.2319% | 1,724 |
| Earnings coverage of net charge-offs (x) | 5.1380% | 3,371 |
| Efficiency ratio | 56.2451% | 5,924 |
| Assets per employee ($millions) | 4.9790% | 2,202 |
| Cash dividends to net income (ytd only)* | 29.8165% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0965% | 1,342 |
| Loan loss allowance to noncurrent loans | 70.4112% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 2.2511% | 1,578 |
| Noncurrent loans to loans | 2.9775% | 1,154 |
| Net loans and leases to total assets | 51.2526% | 4,944 |
| Net loans and leases to deposits | 58.7338% | 5,058 |
| Net loans and leases to core deposits | 62.5760% | 5,011 |
| Total domestic deposits to total assets | 87.2625% | 2,594 |
| Equity capital to assets | 10.7794% | 2,844 |
| Core capital (leverage) ratio | 11.3651% | 2,064 |
| Tier 1 risk-based capital ratio | 21.5529% | 1,326 |
| Total risk-based capital ratio | 22.8130% | 1,306 |
| Memoranda: | ||
| Average total assets | $551,482,000 | 1,202 |
| Average earning assets | $517,465,800 | 1,173 |
| Average equity | $60,294,800 | 1,189 |
| Average total loans | $289,389,000 | 1,470 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1796% | 3,459 |
| Cost of funding earning assets | 0.9833% | 539 |
| Net interest margin | 3.1963% | 5,012 |
| Noninterest income to average assets | 0.5961% | 3,171 |
| Noninterest expense to average assets | 2.0739% | 5,882 |
| Loan and lease loss provision to assets | 0.2537% | 1,405 |
| Net operating income to assets | 0.9235% | 2,722 |
| Return on assets (ROA) | 0.9232% | 2,833 |
| Pretax return on assets | 1.2743% | 2,431 |
| Return on Equity (ROE) | 8.4144% | 2,919 |
| Retained earnings to average equity (ytd only) | 5.7196% | 2,580 |
| Net charge-offs to loans | 0.5277% | 1,220 |
| Credit loss provision to net charge-offs | 91.5505% | 2,598 |
| Earnings coverage of net charge-offs (x) | 5.5165% | 3,170 |
| Efficiency ratio | 57.5707% | 5,739 |
| Assets per employee ($millions) | 4.8831% | 2,330 |
| Cash dividends to net income (ytd only)* | 32.0261% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 2,195 |
| Loan loss allowance to noncurrent loans | 57.9362% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 2.4178% | 1,604 |
| Noncurrent loans to loans | 3.1669% | 1,242 |
| Net loans and leases to total assets | 50.8325% | 5,029 |
| Net loans and leases to deposits | 57.6142% | 5,225 |
| Net loans and leases to core deposits | 61.2362% | 5,189 |
| Total domestic deposits to total assets | 88.2291% | 1,978 |
| Equity capital to assets | 10.5637% | 3,204 |
| Core capital (leverage) ratio | 11.0668% | 2,417 |
| Tier 1 risk-based capital ratio | 21.0716% | 1,481 |
| Total risk-based capital ratio | 22.3284% | 1,458 |
| Memoranda: | ||
| Average total assets | $552,429,750 | 1,211 |
| Average earning assets | $519,589,000 | 1,184 |
| Average equity | $60,609,000 | 1,195 |
| Average total loans | $290,057,000 | 1,463 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 3,559 |
| Cost of funding earning assets | 0.9911% | 564 |
| Net interest margin | 3.1541% | 5,112 |
| Noninterest income to average assets | 0.6022% | 3,178 |
| Noninterest expense to average assets | 2.0577% | 5,947 |
| Loan and lease loss provision to assets | 0.2544% | 1,453 |
| Net operating income to assets | 0.8928% | 2,838 |
| Return on assets (ROA) | 0.8933% | 2,983 |
| Pretax return on assets | 1.2802% | 2,367 |
| Return on Equity (ROE) | 8.0411% | 3,071 |
| Retained earnings to average equity (ytd only) | 5.2638% | 2,880 |
| Net charge-offs to loans | 0.3193% | 1,909 |
| Credit loss provision to net charge-offs | 151.0776% | 1,526 |
| Earnings coverage of net charge-offs (x) | 9.1078% | 2,323 |
| Efficiency ratio | 57.2916% | 5,827 |
| Assets per employee ($millions) | 4.8032% | 2,369 |
| Cash dividends to net income (ytd only)* | 34.5388% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 2,035 |
| Loan loss allowance to noncurrent loans | 44.1089% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 2.7305% | 1,521 |
| Noncurrent loans to loans | 4.3658% | 823 |
| Net loans and leases to total assets | 52.7619% | 4,775 |
| Net loans and leases to deposits | 59.9339% | 4,987 |
| Net loans and leases to core deposits | 63.6962% | 4,929 |
| Total domestic deposits to total assets | 88.0335% | 2,221 |
| Equity capital to assets | 10.5014% | 3,306 |
| Core capital (leverage) ratio | 11.0061% | 2,346 |
| Tier 1 risk-based capital ratio | 20.7707% | 1,551 |
| Total risk-based capital ratio | 22.0291% | 1,519 |
| Memoranda: | ||
| Average total assets | $551,016,000 | 1,218 |
| Average earning assets | $522,236,000 | 1,173 |
| Average equity | $61,210,330 | 1,192 |
| Average total loans | $290,656,330 | 1,450 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0604% | 3,887 |
| Cost of funding earning assets | 1.0043% | 600 |
| Net interest margin | 3.0562% | 5,409 |
| Noninterest income to average assets | 0.6153% | 3,051 |
| Noninterest expense to average assets | 2.0579% | 5,991 |
| Loan and lease loss provision to assets | 0.2536% | 1,410 |
| Net operating income to assets | 0.8365% | 2,966 |
| Return on assets (ROA) | 0.8365% | 3,112 |
| Pretax return on assets | 1.2004% | 2,574 |
| Return on Equity (ROE) | 7.3346% | 3,302 |
| Retained earnings to average equity (ytd only) | 4.4917% | 3,537 |
| Net charge-offs to loans | 0.2662% | 1,891 |
| Credit loss provision to net charge-offs | 182.3834% | 1,175 |
| Earnings coverage of net charge-offs (x) | 10.4560% | 1,739 |
| Efficiency ratio | 58.5966% | 5,769 |
| Assets per employee ($millions) | 5.1375% | 2,053 |
| Cash dividends to net income (ytd only)* | 38.7597% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9235% | 2,234 |
| Loan loss allowance to noncurrent loans | 35.2198% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 3.0865% | 1,437 |
| Noncurrent loans to loans | 5.4614% | 663 |
| Net loans and leases to total assets | 50.4893% | 4,920 |
| Net loans and leases to deposits | 57.9576% | 5,041 |
| Net loans and leases to core deposits | 61.5743% | 4,991 |
| Total domestic deposits to total assets | 87.1142% | 2,899 |
| Equity capital to assets | 11.2643% | 2,662 |
| Core capital (leverage) ratio | 10.7143% | 2,537 |
| Tier 1 risk-based capital ratio | 20.7636% | 1,593 |
| Total risk-based capital ratio | 22.0221% | 1,564 |
| Memoranda: | ||
| Average total assets | $555,141,500 | 1,215 |
| Average earning assets | $526,151,000 | 1,173 |
| Average equity | $63,316,500 | 1,172 |
| Average total loans | $289,986,500 | 1,463 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 3,584 |
| Cost of funding earning assets | 1.2007% | 577 |
| Net interest margin | 3.2556% | 5,414 |
| Noninterest income to average assets | 0.6331% | 3,089 |
| Noninterest expense to average assets | 2.0479% | 6,240 |
| Loan and lease loss provision to assets | 0.3555% | 1,882 |
| Net operating income to assets | 0.9214% | 2,700 |
| Return on assets (ROA) | 1.0421% | 2,360 |
| Pretax return on assets | 1.4675% | 1,790 |
| Return on Equity (ROE) | 9.1794% | 2,545 |
| Retained earnings to average equity (ytd only) | 6.3893% | 1,881 |
| Net charge-offs to loans | 0.3549% | 2,858 |
| Credit loss provision to net charge-offs | 184.3537% | 1,425 |
| Earnings coverage of net charge-offs (x) | 8.5714% | 2,387 |
| Efficiency ratio | 55.3350% | 6,132 |
| Assets per employee ($millions) | 5.0486% | 2,170 |
| Cash dividends to net income (ytd only)* | 30.3957% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8465% | 2,448 |
| Loan loss allowance to noncurrent loans | 32.5438% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 3.2737% | 1,407 |
| Noncurrent loans to loans | 5.6738% | 636 |
| Net loans and leases to total assets | 52.0281% | 4,921 |
| Net loans and leases to deposits | 60.0738% | 5,021 |
| Net loans and leases to core deposits | 63.8737% | 4,971 |
| Total domestic deposits to total assets | 86.6070% | 3,038 |
| Equity capital to assets | 11.5491% | 2,397 |
| Core capital (leverage) ratio | 10.8109% | 2,434 |
| Tier 1 risk-based capital ratio | 20.6822% | 1,527 |
| Total risk-based capital ratio | 21.9400% | 1,498 |
| Memoranda: | ||
| Average total assets | $533,559,400 | 1,249 |
| Average earning assets | $502,802,600 | 1,205 |
| Average equity | $60,570,400 | 1,178 |
| Average total loans | $289,903,600 | 1,450 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 3,456 |
| Cost of funding earning assets | 1.2404% | 574 |
| Net interest margin | 3.3020% | 5,389 |
| Noninterest income to average assets | 0.6266% | 3,124 |
| Noninterest expense to average assets | 2.1010% | 6,160 |
| Loan and lease loss provision to assets | 0.2322% | 2,717 |
| Net operating income to assets | 0.9787% | 2,613 |
| Return on assets (ROA) | 1.0843% | 2,350 |
| Pretax return on assets | 1.5532% | 1,713 |
| Return on Equity (ROE) | 9.5945% | 2,546 |
| Retained earnings to average equity (ytd only) | 6.8643% | 2,200 |
| Net charge-offs to loans | 0.2358% | 3,308 |
| Credit loss provision to net charge-offs | 180.0781% | 1,545 |
| Earnings coverage of net charge-offs (x) | 12.6758% | 1,985 |
| Efficiency ratio | 56.2433% | 6,028 |
| Assets per employee ($millions) | 4.8539% | 2,374 |
| Cash dividends to net income (ytd only)* | 28.4552% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 3,150 |
| Loan loss allowance to noncurrent loans | 37.8204% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 2.5933% | 2,038 |
| Noncurrent loans to loans | 4.4965% | 1,046 |
| Net loans and leases to total assets | 51.9342% | 5,057 |
| Net loans and leases to deposits | 60.1332% | 5,192 |
| Net loans and leases to core deposits | 63.6715% | 5,190 |
| Total domestic deposits to total assets | 86.3653% | 3,054 |
| Equity capital to assets | 11.3896% | 2,860 |
| Core capital (leverage) ratio | 10.6155% | 2,785 |
| Tier 1 risk-based capital ratio | 20.1997% | 1,709 |
| Total risk-based capital ratio | 21.4558% | 1,674 |
| Memoranda: | ||
| Average total assets | $529,375,500 | 1,276 |
| Average earning assets | $498,440,250 | 1,233 |
| Average equity | $59,824,500 | 1,197 |
| Average total loans | $289,456,000 | 1,460 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6222% | 3,266 |
| Cost of funding earning assets | 1.2593% | 622 |
| Net interest margin | 3.3629% | 5,221 |
| Noninterest income to average assets | 0.6306% | 3,072 |
| Noninterest expense to average assets | 2.1537% | 6,115 |
| Loan and lease loss provision to assets | 0.2455% | 2,606 |
| Net operating income to assets | 0.9705% | 2,584 |
| Return on assets (ROA) | 1.1086% | 2,231 |
| Pretax return on assets | 1.5893% | 1,578 |
| Return on Equity (ROE) | 9.8367% | 2,426 |
| Retained earnings to average equity (ytd only) | 6.9526% | 2,127 |
| Net charge-offs to loans | 0.2025% | 3,366 |
| Credit loss provision to net charge-offs | 219.1126% | 1,298 |
| Earnings coverage of net charge-offs (x) | 14.6143% | 1,703 |
| Efficiency ratio | 56.8086% | 6,028 |
| Assets per employee ($millions) | 4.8163% | 2,415 |
| Cash dividends to net income (ytd only)* | 29.3205% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 3,333 |
| Loan loss allowance to noncurrent loans | 45.4350% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 2.3026% | 2,430 |
| Noncurrent loans to loans | 3.6913% | 1,537 |
| Net loans and leases to total assets | 53.8571% | 4,827 |
| Net loans and leases to deposits | 62.5036% | 4,939 |
| Net loans and leases to core deposits | 66.1302% | 4,988 |
| Total domestic deposits to total assets | 86.1663% | 3,274 |
| Equity capital to assets | 11.4357% | 2,652 |
| Core capital (leverage) ratio | 10.7040% | 2,591 |
| Tier 1 risk-based capital ratio | 19.9521% | 1,710 |
| Total risk-based capital ratio | 21.2082% | 1,683 |
| Memoranda: | ||
| Average total assets | $523,004,000 | 1,298 |
| Average earning assets | $491,541,330 | 1,252 |
| Average equity | $58,942,330 | 1,208 |
| Average total loans | $289,347,330 | 1,465 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6098% | 3,457 |
| Cost of funding earning assets | 1.2694% | 721 |
| Net interest margin | 3.3405% | 5,335 |
| Noninterest income to average assets | 0.6451% | 2,961 |
| Noninterest expense to average assets | 2.1254% | 6,216 |
| Loan and lease loss provision to assets | 0.2402% | 2,548 |
| Net operating income to assets | 0.9873% | 2,529 |
| Return on assets (ROA) | 1.1139% | 2,198 |
| Pretax return on assets | 1.6004% | 1,577 |
| Return on Equity (ROE) | 9.9586% | 2,419 |
| Retained earnings to average equity (ytd only) | 6.8616% | 2,497 |
| Net charge-offs to loans | 0.2395% | 2,736 |
| Credit loss provision to net charge-offs | 180.3468% | 1,436 |
| Earnings coverage of net charge-offs (x) | 12.4624% | 1,599 |
| Efficiency ratio | 56.1521% | 6,106 |
| Assets per employee ($millions) | 4.7959% | 2,516 |
| Cash dividends to net income (ytd only)* | 31.0988% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 3,647 |
| Loan loss allowance to noncurrent loans | 47.1977% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 2.2288% | 2,663 |
| Noncurrent loans to loans | 3.4304% | 1,826 |
| Net loans and leases to total assets | 53.6411% | 4,782 |
| Net loans and leases to deposits | 61.7132% | 4,960 |
| Net loans and leases to core deposits | 65.0540% | 5,013 |
| Total domestic deposits to total assets | 86.9200% | 3,003 |
| Equity capital to assets | 11.0942% | 2,804 |
| Core capital (leverage) ratio | 10.6056% | 2,641 |
| Tier 1 risk-based capital ratio | 19.5595% | 1,823 |
| Total risk-based capital ratio | 20.8146% | 1,798 |
| Memoranda: | ||
| Average total assets | $519,608,500 | 1,309 |
| Average earning assets | $488,433,000 | 1,266 |
| Average equity | $58,120,500 | 1,225 |
| Average total loans | $288,921,500 | 1,471 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 2,974 |
| Cost of funding earning assets | 1.4383% | 887 |
| Net interest margin | 3.5410% | 4,979 |
| Noninterest income to average assets | 0.6441% | 2,925 |
| Noninterest expense to average assets | 2.2466% | 6,169 |
| Loan and lease loss provision to assets | 0.2744% | 3,476 |
| Net operating income to assets | 0.9921% | 2,229 |
| Return on assets (ROA) | 1.1231% | 1,866 |
| Pretax return on assets | 1.5839% | 1,245 |
| Return on Equity (ROE) | 10.1423% | 2,015 |
| Retained earnings to average equity (ytd only) | 7.0445% | 1,486 |
| Net charge-offs to loans | 0.3915% | 3,456 |
| Credit loss provision to net charge-offs | 118.0617% | 2,721 |
| Earnings coverage of net charge-offs (x) | 7.2009% | 2,378 |
| Efficiency ratio | 57.3055% | 6,148 |
| Assets per employee ($millions) | 4.5685% | 2,800 |
| Cash dividends to net income (ytd only)* | 30.5434% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 3,769 |
| Loan loss allowance to noncurrent loans | 54.2052% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 2.0533% | 2,896 |
| Noncurrent loans to loans | 2.8721% | 2,275 |
| Net loans and leases to total assets | 55.8340% | 4,741 |
| Net loans and leases to deposits | 65.0010% | 4,872 |
| Net loans and leases to core deposits | 68.5930% | 4,955 |
| Total domestic deposits to total assets | 85.8972% | 3,372 |
| Equity capital to assets | 11.2795% | 2,711 |
| Core capital (leverage) ratio | 10.6782% | 2,546 |
| Tier 1 risk-based capital ratio | 18.9253% | 1,921 |
| Total risk-based capital ratio | 20.1794% | 1,880 |
| Memoranda: | ||
| Average total assets | $488,295,600 | 1,368 |
| Average earning assets | $451,797,800 | 1,344 |
| Average equity | $54,070,800 | 1,257 |
| Average total loans | $289,874,200 | 1,476 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0267% | 2,959 |
| Cost of funding earning assets | 1.4664% | 966 |
| Net interest margin | 3.5603% | 4,941 |
| Noninterest income to average assets | 0.6400% | 2,938 |
| Noninterest expense to average assets | 2.2692% | 6,123 |
| Loan and lease loss provision to assets | 0.3109% | 3,039 |
| Net operating income to assets | 0.9412% | 2,563 |
| Return on assets (ROA) | 1.0952% | 2,138 |
| Pretax return on assets | 1.5636% | 1,480 |
| Return on Equity (ROE) | 9.9396% | 2,222 |
| Retained earnings to average equity (ytd only) | 6.9549% | 1,993 |
| Net charge-offs to loans | 0.4969% | 2,765 |
| Credit loss provision to net charge-offs | 104.1667% | 3,199 |
| Earnings coverage of net charge-offs (x) | 5.5435% | 2,757 |
| Efficiency ratio | 57.8321% | 6,039 |
| Assets per employee ($millions) | 4.7084% | 2,612 |
| Cash dividends to net income (ytd only)* | 30.0278% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 4,105 |
| Loan loss allowance to noncurrent loans | 50.4340% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 2.1577% | 2,958 |
| Noncurrent loans to loans | 2.9727% | 2,333 |
| Net loans and leases to total assets | 56.3070% | 4,795 |
| Net loans and leases to deposits | 65.3351% | 5,003 |
| Net loans and leases to core deposits | 68.9064% | 5,072 |
| Total domestic deposits to total assets | 86.1818% | 3,104 |
| Equity capital to assets | 11.1746% | 2,982 |
| Core capital (leverage) ratio | 10.6662% | 2,697 |
| Tier 1 risk-based capital ratio | 18.4659% | 2,098 |
| Total risk-based capital ratio | 19.7198% | 2,064 |
| Memoranda: | ||
| Average total assets | $482,451,500 | 1,386 |
| Average earning assets | $444,974,750 | 1,373 |
| Average equity | $53,160,000 | 1,280 |
| Average total loans | $289,791,500 | 1,483 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0707% | 2,825 |
| Cost of funding earning assets | 1.5032% | 994 |
| Net interest margin | 3.5676% | 4,847 |
| Noninterest income to average assets | 0.6244% | 2,982 |
| Noninterest expense to average assets | 2.2927% | 6,152 |
| Loan and lease loss provision to assets | 0.2280% | 3,633 |
| Net operating income to assets | 0.9691% | 2,359 |
| Return on assets (ROA) | 1.0929% | 1,985 |
| Pretax return on assets | 1.5598% | 1,357 |
| Return on Equity (ROE) | 9.9694% | 2,124 |
| Retained earnings to average equity (ytd only) | 6.7348% | 1,996 |
| Net charge-offs to loans | 0.4898% | 2,633 |
| Credit loss provision to net charge-offs | 76.1636% | 3,881 |
| Earnings coverage of net charge-offs (x) | 5.3822% | 2,623 |
| Efficiency ratio | 58.7326% | 6,071 |
| Assets per employee ($millions) | 4.3031% | 3,164 |
| Cash dividends to net income (ytd only)* | 32.4450% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 4,444 |
| Loan loss allowance to noncurrent loans | 41.1438% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 2.4524% | 2,714 |
| Noncurrent loans to loans | 3.4749% | 2,034 |
| Net loans and leases to total assets | 58.7565% | 4,505 |
| Net loans and leases to deposits | 68.2220% | 4,674 |
| Net loans and leases to core deposits | 71.9808% | 4,821 |
| Total domestic deposits to total assets | 86.1255% | 3,258 |
| Equity capital to assets | 11.2123% | 2,755 |
| Core capital (leverage) ratio | 10.9184% | 2,323 |
| Tier 1 risk-based capital ratio | 18.3884% | 2,048 |
| Total risk-based capital ratio | 19.6411% | 1,994 |
| Memoranda: | ||
| Average total assets | $473,768,000 | 1,417 |
| Average earning assets | $435,479,000 | 1,410 |
| Average equity | $51,939,000 | 1,293 |
| Average total loans | $289,495,330 | 1,504 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 2,585 |
| Cost of funding earning assets | 1.5077% | 1,137 |
| Net interest margin | 3.6063% | 4,542 |
| Noninterest income to average assets | 0.6400% | 2,899 |
| Noninterest expense to average assets | 2.3494% | 6,050 |
| Loan and lease loss provision to assets | 0.1668% | 3,959 |
| Net operating income to assets | 1.0009% | 2,181 |
| Return on assets (ROA) | 1.0207% | 2,155 |
| Pretax return on assets | 1.4570% | 1,575 |
| Return on Equity (ROE) | 9.4218% | 2,308 |
| Retained earnings to average equity (ytd only) | 5.9469% | 2,672 |
| Net charge-offs to loans | 0.4065% | 2,472 |
| Credit loss provision to net charge-offs | 66.3265% | 3,429 |
| Earnings coverage of net charge-offs (x) | 6.3435% | 2,113 |
| Efficiency ratio | 59.5532% | 6,049 |
| Assets per employee ($millions) | 4.5579% | 2,799 |
| Cash dividends to net income (ytd only)* | 36.8818% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 4,348 |
| Loan loss allowance to noncurrent loans | 54.3532% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.9636% | 3,362 |
| Noncurrent loans to loans | 2.7031% | 2,790 |
| Net loans and leases to total assets | 58.4940% | 4,557 |
| Net loans and leases to deposits | 69.3870% | 4,451 |
| Net loans and leases to core deposits | 72.7609% | 4,684 |
| Total domestic deposits to total assets | 84.3011% | 4,367 |
| Equity capital to assets | 10.6014% | 3,081 |
| Core capital (leverage) ratio | 10.9343% | 2,238 |
| Tier 1 risk-based capital ratio | 18.0854% | 2,087 |
| Total risk-based capital ratio | 19.3385% | 2,052 |
| Memoranda: | ||
| Average total assets | $467,526,500 | 1,446 |
| Average earning assets | $428,478,000 | 1,436 |
| Average equity | $50,648,500 | 1,317 |
| Average total loans | $289,319,000 | 1,517 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 2,852 |
| Cost of funding earning assets | 1.5833% | 2,171 |
| Net interest margin | 3.7781% | 4,040 |
| Noninterest income to average assets | 0.6721% | 3,007 |
| Noninterest expense to average assets | 2.3956% | 6,095 |
| Loan and lease loss provision to assets | 0.3921% | 3,764 |
| Net operating income to assets | 1.0363% | 1,921 |
| Return on assets (ROA) | 1.1332% | 1,678 |
| Pretax return on assets | 1.5738% | 1,198 |
| Return on Equity (ROE) | 9.9598% | 1,943 |
| Retained earnings to average equity (ytd only) | 6.7092% | 1,448 |
| Net charge-offs to loans | 0.5729% | 3,332 |
| Credit loss provision to net charge-offs | 105.9004% | 4,226 |
| Earnings coverage of net charge-offs (x) | 4.9459% | 2,759 |
| Efficiency ratio | 56.6737% | 6,503 |
| Assets per employee ($millions) | 4.1083% | 3,561 |
| Cash dividends to net income (ytd only)* | 32.6371% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 4,128 |
| Loan loss allowance to noncurrent loans | 52.5527% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 2.1442% | 3,160 |
| Noncurrent loans to loans | 2.8124% | 2,711 |
| Net loans and leases to total assets | 63.6192% | 3,948 |
| Net loans and leases to deposits | 73.5627% | 4,266 |
| Net loans and leases to core deposits | 77.2448% | 4,560 |
| Total domestic deposits to total assets | 86.4830% | 3,088 |
| Equity capital to assets | 11.0812% | 2,620 |
| Core capital (leverage) ratio | 10.9139% | 2,219 |
| Tier 1 risk-based capital ratio | 17.8807% | 2,036 |
| Total risk-based capital ratio | 19.1343% | 2,000 |
| Memoranda: | ||
| Average total assets | $439,384,000 | 1,518 |
| Average earning assets | $413,435,800 | 1,470 |
| Average equity | $49,991,200 | 1,340 |
| Average total loans | $283,973,600 | 1,577 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3789% | 2,980 |
| Cost of funding earning assets | 1.5912% | 2,438 |
| Net interest margin | 3.7876% | 4,020 |
| Noninterest income to average assets | 0.6748% | 2,986 |
| Noninterest expense to average assets | 2.3891% | 6,066 |
| Loan and lease loss provision to assets | 0.2934% | 4,228 |
| Net operating income to assets | 1.0841% | 1,950 |
| Return on assets (ROA) | 1.1476% | 1,842 |
| Pretax return on assets | 1.6449% | 1,225 |
| Return on Equity (ROE) | 10.0191% | 2,113 |
| Retained earnings to average equity (ytd only) | 6.9507% | 1,878 |
| Net charge-offs to loans | 0.7044% | 2,656 |
| Credit loss provision to net charge-offs | 64.4295% | 5,581 |
| Earnings coverage of net charge-offs (x) | 4.0570% | 3,201 |
| Efficiency ratio | 56.3916% | 6,501 |
| Assets per employee ($millions) | 4.2445% | 3,365 |
| Cash dividends to net income (ytd only)* | 30.6259% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 5,019 |
| Loan loss allowance to noncurrent loans | 49.4236% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 1.9352% | 3,562 |
| Noncurrent loans to loans | 2.6122% | 3,011 |
| Net loans and leases to total assets | 61.4949% | 4,631 |
| Net loans and leases to deposits | 71.1919% | 4,969 |
| Net loans and leases to core deposits | 74.7679% | 5,197 |
| Total domestic deposits to total assets | 86.3790% | 2,868 |
| Equity capital to assets | 11.4482% | 2,578 |
| Core capital (leverage) ratio | 10.8787% | 2,352 |
| Tier 1 risk-based capital ratio | 17.8451% | 2,059 |
| Total risk-based capital ratio | 19.0960% | 2,029 |
| Memoranda: | ||
| Average total assets | $436,252,250 | 1,555 |
| Average earning assets | $410,237,500 | 1,505 |
| Average equity | $49,969,750 | 1,341 |
| Average total loans | $282,013,250 | 1,603 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4248% | 2,865 |
| Cost of funding earning assets | 1.5916% | 2,708 |
| Net interest margin | 3.8332% | 3,745 |
| Noninterest income to average assets | 0.7014% | 2,694 |
| Noninterest expense to average assets | 2.4161% | 6,021 |
| Loan and lease loss provision to assets | 0.2005% | 4,864 |
| Net operating income to assets | 1.1625% | 1,667 |
| Return on assets (ROA) | 1.1892% | 1,657 |
| Pretax return on assets | 1.7255% | 1,013 |
| Return on Equity (ROE) | 10.3799% | 1,967 |
| Retained earnings to average equity (ytd only) | 7.3270% | 1,707 |
| Net charge-offs to loans | 0.9479% | 1,941 |
| Credit loss provision to net charge-offs | 32.3065% | 5,701 |
| Earnings coverage of net charge-offs (x) | 3.0406% | 3,480 |
| Efficiency ratio | 56.1443% | 6,620 |
| Assets per employee ($millions) | 3.8541% | 4,086 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 5,562 |
| Loan loss allowance to noncurrent loans | 47.6300% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 2.0383% | 3,455 |
| Noncurrent loans to loans | 2.4745% | 3,174 |
| Net loans and leases to total assets | 63.8398% | 4,298 |
| Net loans and leases to deposits | 73.9396% | 4,686 |
| Net loans and leases to core deposits | 77.8405% | 4,975 |
| Total domestic deposits to total assets | 86.3404% | 2,911 |
| Equity capital to assets | 11.6535% | 2,318 |
| Core capital (leverage) ratio | 11.2622% | 2,061 |
| Tier 1 risk-based capital ratio | 18.5540% | 1,818 |
| Total risk-based capital ratio | 19.8042% | 1,786 |
| Memoranda: | ||
| Average total assets | $428,868,330 | 1,592 |
| Average earning assets | $403,001,330 | 1,538 |
| Average equity | $49,133,330 | 1,362 |
| Average total loans | $280,823,670 | 1,628 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3957% | 3,055 |
| Cost of funding earning assets | 1.6089% | 2,908 |
| Net interest margin | 3.7868% | 3,843 |
| Noninterest income to average assets | 0.7332% | 2,391 |
| Noninterest expense to average assets | 2.4383% | 5,952 |
| Loan and lease loss provision to assets | 0.1551% | 4,981 |
| Net operating income to assets | 1.1806% | 1,593 |
| Return on assets (ROA) | 1.1806% | 1,675 |
| Pretax return on assets | 1.6929% | 1,071 |
| Return on Equity (ROE) | 10.3966% | 1,985 |
| Retained earnings to average equity (ytd only) | 7.4995% | 1,925 |
| Net charge-offs to loans | 0.1198% | 4,258 |
| Credit loss provision to net charge-offs | 196.4286% | 1,886 |
| Earnings coverage of net charge-offs (x) | 23.4048% | 1,052 |
| Efficiency ratio | 56.8860% | 6,645 |
| Assets per employee ($millions) | 4.0016% | 3,872 |
| Cash dividends to net income (ytd only)* | 27.8662% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,669 |
| Loan loss allowance to noncurrent loans | 65.6584% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.8921% | 3,646 |
| Noncurrent loans to loans | 2.3572% | 3,319 |
| Net loans and leases to total assets | 63.2620% | 4,474 |
| Net loans and leases to deposits | 73.1000% | 4,882 |
| Net loans and leases to core deposits | 76.7934% | 5,157 |
| Total domestic deposits to total assets | 86.5417% | 2,879 |
| Equity capital to assets | 11.3349% | 2,474 |
| Core capital (leverage) ratio | 11.1481% | 2,130 |
| Tier 1 risk-based capital ratio | 18.3914% | 1,851 |
| Total risk-based capital ratio | 19.6466% | 1,824 |
| Memoranda: | ||
| Average total assets | $425,544,000 | 1,637 |
| Average earning assets | $399,281,500 | 1,593 |
| Average equity | $48,323,500 | 1,396 |
| Average total loans | $280,561,000 | 1,676 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7975% | 2,664 |
| Cost of funding earning assets | 1.9105% | 3,408 |
| Net interest margin | 3.8870% | 3,321 |
| Noninterest income to average assets | 0.7034% | 2,945 |
| Noninterest expense to average assets | 2.5301% | 6,028 |
| Loan and lease loss provision to assets | 0.2139% | 5,636 |
| Net operating income to assets | 1.1569% | 1,368 |
| Return on assets (ROA) | 1.1938% | 1,309 |
| Pretax return on assets | 1.6583% | 855 |
| Return on Equity (ROE) | 10.4179% | 1,575 |
| Retained earnings to average equity (ytd only) | 7.1271% | 927 |
| Net charge-offs to loans | 0.2385% | 5,129 |
| Credit loss provision to net charge-offs | 129.2354% | 3,977 |
| Earnings coverage of net charge-offs (x) | 11.0030% | 1,634 |
| Efficiency ratio | 58.1513% | 6,739 |
| Assets per employee ($millions) | 3.8433% | 4,162 |
| Cash dividends to net income (ytd only)* | 31.5877% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 3,792 |
| Loan loss allowance to noncurrent loans | 81.8199% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.5535% | 4,047 |
| Noncurrent loans to loans | 1.8185% | 3,899 |
| Net loans and leases to total assets | 66.6497% | 4,003 |
| Net loans and leases to deposits | 77.1588% | 4,535 |
| Net loans and leases to core deposits | 95.0405% | 4,563 |
| Total domestic deposits to total assets | 86.3799% | 2,825 |
| Equity capital to assets | 11.3772% | 2,415 |
| Core capital (leverage) ratio | 11.1616% | 2,135 |
| Tier 1 risk-based capital ratio | 18.0157% | 1,890 |
| Total risk-based capital ratio | 19.2703% | 1,849 |
| Memoranda: | ||
| Average total assets | $403,066,600 | 1,700 |
| Average earning assets | $378,232,800 | 1,665 |
| Average equity | $46,189,800 | 1,457 |
| Average total loans | $279,651,400 | 1,720 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8120% | 2,834 |
| Cost of funding earning assets | 1.9720% | 3,504 |
| Net interest margin | 3.8400% | 3,480 |
| Noninterest income to average assets | 0.7373% | 2,779 |
| Noninterest expense to average assets | 2.6569% | 5,500 |
| Loan and lease loss provision to assets | 0.1510% | 5,838 |
| Net operating income to assets | 1.0671% | 1,843 |
| Return on assets (ROA) | 1.1024% | 1,781 |
| Pretax return on assets | 1.5832% | 1,207 |
| Return on Equity (ROE) | 9.6021% | 2,066 |
| Retained earnings to average equity (ytd only) | 6.7360% | 1,614 |
| Net charge-offs to loans | 0.2387% | 4,556 |
| Credit loss provision to net charge-offs | 90.5812% | 5,467 |
| Earnings coverage of net charge-offs (x) | 10.1001% | 2,008 |
| Efficiency ratio | 61.2099% | 6,240 |
| Assets per employee ($millions) | 3.8986% | 3,949 |
| Cash dividends to net income (ytd only)* | 29.8485% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 3,873 |
| Loan loss allowance to noncurrent loans | 84.8453% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.6028% | 3,947 |
| Noncurrent loans to loans | 1.6657% | 4,147 |
| Net loans and leases to total assets | 66.4709% | 4,313 |
| Net loans and leases to deposits | 77.4031% | 4,835 |
| Net loans and leases to core deposits | 95.6986% | 4,838 |
| Total domestic deposits to total assets | 85.8762% | 2,765 |
| Equity capital to assets | 11.4230% | 2,653 |
| Core capital (leverage) ratio | 11.0567% | 2,367 |
| Tier 1 risk-based capital ratio | 17.6847% | 2,079 |
| Total risk-based capital ratio | 18.9383% | 2,024 |
| Memoranda: | ||
| Average total assets | $399,104,000 | 1,737 |
| Average earning assets | $374,500,500 | 1,696 |
| Average equity | $45,822,000 | 1,496 |
| Average total loans | $278,708,250 | 1,748 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8358% | 2,871 |
| Cost of funding earning assets | 2.0274% | 3,646 |
| Net interest margin | 3.8085% | 3,522 |
| Noninterest income to average assets | 0.7520% | 2,691 |
| Noninterest expense to average assets | 2.6773% | 5,464 |
| Loan and lease loss provision to assets | 0.1593% | 5,474 |
| Net operating income to assets | 1.0390% | 1,976 |
| Return on assets (ROA) | 1.0914% | 1,875 |
| Pretax return on assets | 1.5630% | 1,295 |
| Return on Equity (ROE) | 9.4886% | 2,192 |
| Retained earnings to average equity (ytd only) | 6.6796% | 1,706 |
| Net charge-offs to loans | 0.2548% | 3,924 |
| Credit loss provision to net charge-offs | 88.4181% | 4,970 |
| Earnings coverage of net charge-offs (x) | 9.1469% | 2,166 |
| Efficiency ratio | 61.9059% | 6,259 |
| Assets per employee ($millions) | 3.6160% | 4,532 |
| Cash dividends to net income (ytd only)* | 29.6037% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 3,599 |
| Loan loss allowance to noncurrent loans | 75.3407% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7627% | 3,532 |
| Noncurrent loans to loans | 1.8913% | 3,679 |
| Net loans and leases to total assets | 68.6156% | 4,043 |
| Net loans and leases to deposits | 77.9359% | 4,883 |
| Net loans and leases to core deposits | 96.6805% | 4,826 |
| Total domestic deposits to total assets | 88.0411% | 1,746 |
| Equity capital to assets | 11.3368% | 2,643 |
| Core capital (leverage) ratio | 11.3828% | 2,142 |
| Tier 1 risk-based capital ratio | 17.5544% | 2,130 |
| Total risk-based capital ratio | 18.8083% | 2,089 |
| Memoranda: | ||
| Average total assets | $393,089,330 | 1,788 |
| Average earning assets | $368,755,330 | 1,743 |
| Average equity | $45,212,330 | 1,522 |
| Average total loans | $277,858,670 | 1,784 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7916% | 3,345 |
| Cost of funding earning assets | 2.1126% | 3,590 |
| Net interest margin | 3.6790% | 3,987 |
| Noninterest income to average assets | 0.7651% | 2,505 |
| Noninterest expense to average assets | 2.6040% | 5,432 |
| Loan and lease loss provision to assets | 0.1645% | 4,822 |
| Net operating income to assets | 1.0121% | 2,261 |
| Return on assets (ROA) | 1.1179% | 2,025 |
| Pretax return on assets | 1.6043% | 1,394 |
| Return on Equity (ROE) | 9.6479% | 2,471 |
| Retained earnings to average equity (ytd only) | 6.8964% | 2,249 |
| Net charge-offs to loans | 0.2483% | 3,163 |
| Credit loss provision to net charge-offs | 93.0233% | 3,945 |
| Earnings coverage of net charge-offs (x) | 9.1453% | 2,098 |
| Efficiency ratio | 61.6809% | 6,110 |
| Assets per employee ($millions) | 3.6625% | 4,420 |
| Cash dividends to net income (ytd only)* | 28.5189% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 3,237 |
| Loan loss allowance to noncurrent loans | 70.5862% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.7694% | 3,267 |
| Noncurrent loans to loans | 2.0532% | 3,191 |
| Net loans and leases to total assets | 69.5830% | 3,783 |
| Net loans and leases to deposits | 79.2556% | 4,730 |
| Net loans and leases to core deposits | 97.7937% | 4,764 |
| Total domestic deposits to total assets | 87.7957% | 1,845 |
| Equity capital to assets | 11.5664% | 2,548 |
| Core capital (leverage) ratio | 11.2311% | 2,314 |
| Tier 1 risk-based capital ratio | 17.5801% | 2,163 |
| Total risk-based capital ratio | 18.8343% | 2,102 |
| Memoranda: | ||
| Average total assets | $388,946,500 | 1,809 |
| Average earning assets | $365,425,000 | 1,766 |
| Average equity | $45,067,000 | 1,527 |
| Average total loans | $277,094,500 | 1,789 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6968% | 2,037 |
| Cost of funding earning assets | 2.5455% | 3,976 |
| Net interest margin | 4.1513% | 2,493 |
| Noninterest income to average assets | 0.7795% | 2,623 |
| Noninterest expense to average assets | 2.5867% | 5,700 |
| Loan and lease loss provision to assets | 0.1513% | 5,431 |
| Net operating income to assets | 1.3326% | 1,392 |
| Return on assets (ROA) | 1.3391% | 1,326 |
| Pretax return on assets | 1.9312% | 720 |
| Return on Equity (ROE) | 12.0411% | 1,580 |
| Retained earnings to average equity (ytd only) | 8.4655% | 716 |
| Net charge-offs to loans | 0.1062% | 5,234 |
| Credit loss provision to net charge-offs | 193.4156% | 2,530 |
| Earnings coverage of net charge-offs (x) | 26.4979% | 1,285 |
| Efficiency ratio | 55.5103% | 7,087 |
| Assets per employee ($millions) | 3.5604% | 4,524 |
| Cash dividends to net income (ytd only)* | 29.6946% | 4,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 2,859 |
| Loan loss allowance to noncurrent loans | 139.4071% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 4,283 |
| Noncurrent loans to loans | 1.0510% | 4,471 |
| Net loans and leases to total assets | 74.0222% | 3,094 |
| Net loans and leases to deposits | 84.8831% | 4,275 |
| Net loans and leases to core deposits | 106.4419% | 4,142 |
| Total domestic deposits to total assets | 87.2049% | 1,836 |
| Equity capital to assets | 11.4095% | 2,694 |
| Core capital (leverage) ratio | 11.1902% | 2,438 |
| Tier 1 risk-based capital ratio | 16.5306% | 2,475 |
| Total risk-based capital ratio | 17.7856% | 2,403 |
| Memoranda: | ||
| Average total assets | $310,590,000 | 2,149 |
| Average earning assets | $290,318,400 | 2,103 |
| Average equity | $34,540,000 | 1,972 |
| Average total loans | $228,902,000 | 2,055 |