Home > The Bank of Missouri > Performance and Condition Ratios
The Bank of Missouri, 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 | 4.9804% | 3,143 |
| Cost of funding earning assets | 2.3434% | 1,137 |
| Net interest margin | 2.6371% | 3,904 |
| Noninterest income to average assets | 1.6400% | 320 |
| Noninterest expense to average assets | 3.4077% | 662 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 0.5689% | 3,420 |
| Return on assets (ROA) | 0.5689% | 3,435 |
| Pretax return on assets | 0.5917% | 3,588 |
| Return on Equity (ROE) | 5.6000% | 3,420 |
| Retained earnings to average equity (ytd only) | -3.4716% | 4,005 |
| Net charge-offs to loans | -0.0163% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 83.6560% | 746 |
| Assets per employee ($millions) | 5.6239% | 3,217 |
| Cash dividends to net income (ytd only)* | 161.9621% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 3,286 |
| Loan loss allowance to noncurrent loans | 471.8601% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 2,739 |
| Noncurrent loans to loans | 0.2098% | 2,749 |
| Net loans and leases to total assets | 69.3100% | 1,914 |
| Net loans and leases to deposits | 82.1536% | 1,865 |
| Net loans and leases to core deposits | 91.8750% | 1,916 |
| Total domestic deposits to total assets | 84.3700% | 2,796 |
| Equity capital to assets | 10.2898% | 2,049 |
| Core capital (leverage) ratio | 9.5798% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1862% | 2,141 |
| Memoranda: | ||
| Average total assets | $3,038,874,000 | 417 |
| Average earning assets | $2,760,482,500 | 415 |
| Average equity | $308,559,500 | 430 |
| Average total loans | $2,090,293,500 | 427 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0286% | 3,050 |
| Cost of funding earning assets | 2.4984% | 1,154 |
| Net interest margin | 2.5303% | 3,868 |
| Noninterest income to average assets | 1.7700% | 297 |
| Noninterest expense to average assets | 3.4302% | 643 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.5941% | 3,250 |
| Return on assets (ROA) | 0.5866% | 3,287 |
| Pretax return on assets | 0.5980% | 3,459 |
| Return on Equity (ROE) | 5.6000% | 3,374 |
| Retained earnings to average equity (ytd only) | -5.5622% | 4,308 |
| Net charge-offs to loans | 0.0123% | 2,462 |
| Credit loss provision to net charge-offs | 632.9365% | 531 |
| Earnings coverage of net charge-offs (x) | 76.3571% | 960 |
| Efficiency ratio | 83.5804% | 824 |
| Assets per employee ($millions) | 5.7574% | 3,065 |
| Cash dividends to net income (ytd only)* | 199.2528% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 3,343 |
| Loan loss allowance to noncurrent loans | 446.1336% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 2,680 |
| Noncurrent loans to loans | 0.2193% | 2,633 |
| Net loans and leases to total assets | 66.9300% | 2,268 |
| Net loans and leases to deposits | 79.8968% | 2,145 |
| Net loans and leases to core deposits | 89.5651% | 2,135 |
| Total domestic deposits to total assets | 83.7800% | 2,840 |
| Equity capital to assets | 10.0214% | 2,121 |
| Core capital (leverage) ratio | 9.5207% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3301% | 2,106 |
| Memoranda: | ||
| Average total assets | $3,011,723,200 | 408 |
| Average earning assets | $2,732,917,800 | 408 |
| Average equity | $315,232,400 | 411 |
| Average total loans | $2,051,268,800 | 418 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 3,030 |
| Cost of funding earning assets | 2.4954% | 1,179 |
| Net interest margin | 2.5063% | 3,886 |
| Noninterest income to average assets | 1.7800% | 284 |
| Noninterest expense to average assets | 3.4492% | 619 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.5664% | 3,301 |
| Return on assets (ROA) | 0.5651% | 3,329 |
| Pretax return on assets | 0.5685% | 3,530 |
| Return on Equity (ROE) | 5.3400% | 3,449 |
| Retained earnings to average equity (ytd only) | -7.7031% | 4,399 |
| Net charge-offs to loans | 0.0100% | 2,273 |
| Credit loss provision to net charge-offs | 883.7662% | 433 |
| Earnings coverage of net charge-offs (x) | 88.6169% | 859 |
| Efficiency ratio | 84.2980% | 800 |
| Assets per employee ($millions) | 5.6536% | 3,153 |
| Cash dividends to net income (ytd only)* | 244.2291% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,391 |
| Loan loss allowance to noncurrent loans | 433.8409% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 2,664 |
| Noncurrent loans to loans | 0.2234% | 2,643 |
| Net loans and leases to total assets | 67.9700% | 2,086 |
| Net loans and leases to deposits | 82.2536% | 1,965 |
| Net loans and leases to core deposits | 92.6900% | 1,968 |
| Total domestic deposits to total assets | 82.6300% | 2,953 |
| Equity capital to assets | 10.2394% | 2,140 |
| Core capital (leverage) ratio | 9.5317% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4116% | 2,112 |
| Memoranda: | ||
| Average total assets | $2,994,601,000 | 401 |
| Average earning assets | $2,716,324,750 | 404 |
| Average equity | $316,870,750 | 405 |
| Average total loans | $2,043,565,000 | 413 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 3,065 |
| Cost of funding earning assets | 2.4121% | 1,237 |
| Net interest margin | 2.5212% | 3,849 |
| Noninterest income to average assets | 1.8200% | 284 |
| Noninterest expense to average assets | 3.4449% | 615 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.6079% | 3,162 |
| Return on assets (ROA) | 0.6060% | 3,197 |
| Pretax return on assets | 0.6182% | 3,410 |
| Return on Equity (ROE) | 5.6600% | 3,367 |
| Retained earnings to average equity (ytd only) | -10.6527% | 4,441 |
| Net charge-offs to loans | 0.0104% | 2,027 |
| Credit loss provision to net charge-offs | 953.7736% | 421 |
| Earnings coverage of net charge-offs (x) | 93.7358% | 799 |
| Efficiency ratio | 83.0588% | 915 |
| Assets per employee ($millions) | 5.7606% | 3,010 |
| Cash dividends to net income (ytd only)* | 288.0567% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 3,463 |
| Loan loss allowance to noncurrent loans | 454.2512% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 2,630 |
| Noncurrent loans to loans | 0.2117% | 2,640 |
| Net loans and leases to total assets | 67.2100% | 2,208 |
| Net loans and leases to deposits | 81.1543% | 2,101 |
| Net loans and leases to core deposits | 91.3795% | 2,055 |
| Total domestic deposits to total assets | 82.8100% | 2,903 |
| Equity capital to assets | 10.0666% | 2,032 |
| Core capital (leverage) ratio | 9.7666% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4354% | 2,096 |
| Memoranda: | ||
| Average total assets | $2,978,916,333 | 407 |
| Average earning assets | $2,702,400,333 | 407 |
| Average equity | $318,678,667 | 399 |
| Average total loans | $2,028,920,333 | 417 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 2,995 |
| Cost of funding earning assets | 2.3659% | 1,226 |
| Net interest margin | 2.5240% | 3,838 |
| Noninterest income to average assets | 1.7900% | 269 |
| Noninterest expense to average assets | 3.5437% | 531 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.4876% | 3,425 |
| Return on assets (ROA) | 0.4876% | 3,452 |
| Pretax return on assets | 0.4705% | 3,618 |
| Return on Equity (ROE) | 4.4200% | 3,582 |
| Retained earnings to average equity (ytd only) | -7.9101% | 4,236 |
| Net charge-offs to loans | -0.0271% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 85.9338% | 788 |
| Assets per employee ($millions) | 5.5183% | 3,251 |
| Cash dividends to net income (ytd only)* | 278.8622% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,391 |
| Loan loss allowance to noncurrent loans | 333.5685% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 2,290 |
| Noncurrent loans to loans | 0.2940% | 2,258 |
| Net loans and leases to total assets | 67.6400% | 2,051 |
| Net loans and leases to deposits | 82.4836% | 1,840 |
| Net loans and leases to core deposits | 91.8227% | 1,926 |
| Total domestic deposits to total assets | 82.0100% | 3,174 |
| Equity capital to assets | 10.8166% | 1,580 |
| Core capital (leverage) ratio | 10.2875% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1112% | 1,832 |
| Memoranda: | ||
| Average total assets | $2,941,809,500 | 419 |
| Average earning assets | $2,680,234,500 | 417 |
| Average equity | $324,345,500 | 397 |
| Average total loans | $2,007,466,500 | 422 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6083% | 2,874 |
| Cost of funding earning assets | 1.8017% | 1,246 |
| Net interest margin | 2.8066% | 3,647 |
| Noninterest income to average assets | 1.8000% | 303 |
| Noninterest expense to average assets | 3.4545% | 610 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7459% | 3,055 |
| Return on assets (ROA) | 0.7349% | 3,074 |
| Pretax return on assets | 0.8471% | 3,099 |
| Return on Equity (ROE) | 6.5500% | 3,402 |
| Retained earnings to average equity (ytd only) | 1.2624% | 3,767 |
| Net charge-offs to loans | 0.1744% | 614 |
| Credit loss provision to net charge-offs | -6.6588% | 4,418 |
| Earnings coverage of net charge-offs (x) | 7.5698% | 2,393 |
| Efficiency ratio | 78.6860% | 1,015 |
| Assets per employee ($millions) | 5.3980% | 3,327 |
| Cash dividends to net income (ytd only)* | 80.7371% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 3,509 |
| Loan loss allowance to noncurrent loans | 331.9316% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 2,171 |
| Noncurrent loans to loans | 0.2879% | 2,145 |
| Net loans and leases to total assets | 67.5100% | 2,089 |
| Net loans and leases to deposits | 82.7822% | 1,891 |
| Net loans and leases to core deposits | 91.2921% | 1,966 |
| Total domestic deposits to total assets | 81.5500% | 3,213 |
| Equity capital to assets | 11.2372% | 1,392 |
| Core capital (leverage) ratio | 10.6298% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4870% | 1,693 |
| Memoranda: | ||
| Average total assets | $2,865,156,600 | 411 |
| Average earning assets | $2,605,873,200 | 408 |
| Average equity | $321,305,400 | 375 |
| Average total loans | $1,945,638,000 | 414 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5140% | 2,881 |
| Cost of funding earning assets | 1.6752% | 1,222 |
| Net interest margin | 2.8388% | 3,659 |
| Noninterest income to average assets | 1.8500% | 310 |
| Noninterest expense to average assets | 3.4581% | 582 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8247% | 2,947 |
| Return on assets (ROA) | 0.8099% | 2,987 |
| Pretax return on assets | 0.9362% | 3,017 |
| Return on Equity (ROE) | 7.2300% | 3,369 |
| Retained earnings to average equity (ytd only) | 2.2199% | 3,680 |
| Net charge-offs to loans | 0.2044% | 433 |
| Credit loss provision to net charge-offs | -43.7289% | 4,500 |
| Earnings coverage of net charge-offs (x) | 6.9980% | 2,256 |
| Efficiency ratio | 77.3878% | 1,061 |
| Assets per employee ($millions) | 5.2872% | 3,359 |
| Cash dividends to net income (ytd only)* | 69.2801% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 3,648 |
| Loan loss allowance to noncurrent loans | 329.0369% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 1,365 |
| Noncurrent loans to loans | 0.2812% | 2,230 |
| Net loans and leases to total assets | 67.8000% | 2,069 |
| Net loans and leases to deposits | 86.6412% | 1,496 |
| Net loans and leases to core deposits | 94.8971% | 1,623 |
| Total domestic deposits to total assets | 78.2600% | 3,787 |
| Equity capital to assets | 10.8697% | 1,399 |
| Core capital (leverage) ratio | 10.6621% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4923% | 1,720 |
| Memoranda: | ||
| Average total assets | $2,851,369,750 | 413 |
| Average earning assets | $2,594,346,500 | 410 |
| Average equity | $319,591,750 | 378 |
| Average total loans | $1,934,402,250 | 416 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3846% | 2,920 |
| Cost of funding earning assets | 1.5121% | 1,219 |
| Net interest margin | 2.8725% | 3,696 |
| Noninterest income to average assets | 1.8300% | 267 |
| Noninterest expense to average assets | 3.4575% | 567 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.8412% | 2,952 |
| Return on assets (ROA) | 0.8186% | 3,035 |
| Pretax return on assets | 0.9434% | 3,064 |
| Return on Equity (ROE) | 7.2300% | 3,429 |
| Retained earnings to average equity (ytd only) | 1.9324% | 3,736 |
| Net charge-offs to loans | 0.0672% | 883 |
| Credit loss provision to net charge-offs | -220.8075% | 4,565 |
| Earnings coverage of net charge-offs (x) | 21.7112% | 1,714 |
| Efficiency ratio | 77.1007% | 1,084 |
| Assets per employee ($millions) | 5.2862% | 3,335 |
| Cash dividends to net income (ytd only)* | 73.2695% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,222 |
| Loan loss allowance to noncurrent loans | 139.9320% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 1,044 |
| Noncurrent loans to loans | 0.7466% | 1,011 |
| Net loans and leases to total assets | 67.4000% | 2,023 |
| Net loans and leases to deposits | 87.6075% | 1,378 |
| Net loans and leases to core deposits | 93.5017% | 1,595 |
| Total domestic deposits to total assets | 76.9300% | 3,958 |
| Equity capital to assets | 11.1291% | 1,332 |
| Core capital (leverage) ratio | 10.7704% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6020% | 1,698 |
| Memoranda: | ||
| Average total assets | $2,834,267,667 | 402 |
| Average earning assets | $2,580,794,000 | 402 |
| Average equity | $320,952,000 | 366 |
| Average total loans | $1,917,023,667 | 404 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 2,999 |
| Cost of funding earning assets | 1.3417% | 1,149 |
| Net interest margin | 2.8803% | 3,819 |
| Noninterest income to average assets | 1.7600% | 271 |
| Noninterest expense to average assets | 3.5001% | 537 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.7626% | 3,316 |
| Return on assets (ROA) | 0.7206% | 3,374 |
| Pretax return on assets | 0.8169% | 3,432 |
| Return on Equity (ROE) | 6.3100% | 3,653 |
| Retained earnings to average equity (ytd only) | 1.3153% | 3,822 |
| Net charge-offs to loans | 0.1060% | 576 |
| Credit loss provision to net charge-offs | 24.9501% | 1,372 |
| Earnings coverage of net charge-offs (x) | 12.3553% | 1,612 |
| Efficiency ratio | 79.1477% | 887 |
| Assets per employee ($millions) | 5.0720% | 3,600 |
| Cash dividends to net income (ytd only)* | 79.1452% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 2,734 |
| Loan loss allowance to noncurrent loans | 149.5232% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 956 |
| Noncurrent loans to loans | 0.7800% | 983 |
| Net loans and leases to total assets | 67.0300% | 1,943 |
| Net loans and leases to deposits | 83.0050% | 1,577 |
| Net loans and leases to core deposits | 88.9164% | 1,681 |
| Total domestic deposits to total assets | 80.7600% | 3,669 |
| Equity capital to assets | 11.4921% | 1,156 |
| Core capital (leverage) ratio | 11.0918% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9337% | 1,646 |
| Memoranda: | ||
| Average total assets | $2,805,633,500 | 418 |
| Average earning assets | $2,554,895,000 | 416 |
| Average equity | $320,527,500 | 377 |
| Average total loans | $1,890,794,000 | 418 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 2,680 |
| Cost of funding earning assets | 0.5298% | 1,212 |
| Net interest margin | 3.1113% | 3,150 |
| Noninterest income to average assets | 1.9000% | 268 |
| Noninterest expense to average assets | 3.3150% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2137% | 1,720 |
| Return on assets (ROA) | 1.2129% | 1,670 |
| Pretax return on assets | 1.4455% | 1,632 |
| Return on Equity (ROE) | 10.9200% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.3613% | 1,694 |
| Net charge-offs to loans | 0.0092% | 2,040 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 249.5583% | 549 |
| Efficiency ratio | 68.9678% | 1,830 |
| Assets per employee ($millions) | 5.0293% | 3,656 |
| Cash dividends to net income (ytd only)* | 23.4501% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 2,340 |
| Loan loss allowance to noncurrent loans | 305.0795% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 1,741 |
| Noncurrent loans to loans | 0.3964% | 1,728 |
| Net loans and leases to total assets | 66.1500% | 2,025 |
| Net loans and leases to deposits | 81.1196% | 1,688 |
| Net loans and leases to core deposits | 85.5048% | 1,787 |
| Total domestic deposits to total assets | 81.5500% | 3,686 |
| Equity capital to assets | 11.3563% | 1,126 |
| Core capital (leverage) ratio | 11.1761% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1705% | 1,579 |
| Memoranda: | ||
| Average total assets | $2,812,677,200 | 411 |
| Average earning assets | $2,584,410,400 | 403 |
| Average equity | $312,332,800 | 378 |
| Average total loans | $1,774,641,200 | 415 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4889% | 2,651 |
| Cost of funding earning assets | 0.3701% | 1,527 |
| Net interest margin | 3.1188% | 2,871 |
| Noninterest income to average assets | 1.9100% | 282 |
| Noninterest expense to average assets | 3.2143% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3166% | 1,299 |
| Return on assets (ROA) | 1.3155% | 1,273 |
| Pretax return on assets | 1.5648% | 1,218 |
| Return on Equity (ROE) | 11.9100% | 2,064 |
| Retained earnings to average equity (ytd only) | 9.7700% | 1,412 |
| Net charge-offs to loans | -0.0072% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.5891% | 2,206 |
| Assets per employee ($millions) | 4.9600% | 3,711 |
| Cash dividends to net income (ytd only)* | 17.9914% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,310 |
| Loan loss allowance to noncurrent loans | 280.6029% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 1,725 |
| Noncurrent loans to loans | 0.4425% | 1,699 |
| Net loans and leases to total assets | 66.5200% | 1,830 |
| Net loans and leases to deposits | 81.0412% | 1,520 |
| Net loans and leases to core deposits | 82.5400% | 1,730 |
| Total domestic deposits to total assets | 82.0900% | 3,828 |
| Equity capital to assets | 11.1870% | 1,108 |
| Core capital (leverage) ratio | 11.0449% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1114% | 1,668 |
| Memoranda: | ||
| Average total assets | $2,816,773,750 | 414 |
| Average earning assets | $2,595,904,250 | 405 |
| Average equity | $311,027,250 | 382 |
| Average total loans | $1,750,204,250 | 417 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 2,716 |
| Cost of funding earning assets | 0.2865% | 1,835 |
| Net interest margin | 3.0211% | 2,825 |
| Noninterest income to average assets | 1.8652% | 252 |
| Noninterest expense to average assets | 3.1107% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3014% | 1,135 |
| Return on assets (ROA) | 1.2994% | 1,119 |
| Pretax return on assets | 1.5464% | 1,052 |
| Return on Equity (ROE) | 11.8181% | 1,716 |
| Retained earnings to average equity (ytd only) | 8.6192% | 1,393 |
| Net charge-offs to loans | -0.0233% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1015% | 2,491 |
| Assets per employee ($millions) | 5.0933% | 3,596 |
| Cash dividends to net income (ytd only)* | 27.0680% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 2,178 |
| Loan loss allowance to noncurrent loans | 289.1654% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 1,853 |
| Noncurrent loans to loans | 0.4507% | 1,768 |
| Net loans and leases to total assets | 61.5185% | 2,170 |
| Net loans and leases to deposits | 71.4289% | 2,075 |
| Net loans and leases to core deposits | 73.0227% | 2,237 |
| Total domestic deposits to total assets | 86.1255% | 3,216 |
| Equity capital to assets | 10.7989% | 1,310 |
| Core capital (leverage) ratio | 10.3976% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0877% | 1,682 |
| Memoranda: | ||
| Average total assets | $2,843,053,667 | 404 |
| Average earning assets | $2,629,217,333 | 403 |
| Average equity | $312,605,667 | 381 |
| Average total loans | $1,718,848,667 | 413 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1785% | 2,754 |
| Cost of funding earning assets | 0.2502% | 2,162 |
| Net interest margin | 2.9283% | 2,738 |
| Noninterest income to average assets | 1.7848% | 285 |
| Noninterest expense to average assets | 3.0420% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2319% | 1,166 |
| Return on assets (ROA) | 1.2319% | 1,150 |
| Pretax return on assets | 1.4578% | 1,109 |
| Return on Equity (ROE) | 11.1050% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.1050% | 768 |
| Net charge-offs to loans | -0.0012% | 3,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9163% | 2,647 |
| Assets per employee ($millions) | 5.2823% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,155 |
| Loan loss allowance to noncurrent loans | 278.4546% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 1,886 |
| Noncurrent loans to loans | 0.4815% | 1,824 |
| Net loans and leases to total assets | 58.3082% | 2,263 |
| Net loans and leases to deposits | 67.9398% | 2,162 |
| Net loans and leases to core deposits | 69.7077% | 2,314 |
| Total domestic deposits to total assets | 85.8233% | 3,317 |
| Equity capital to assets | 10.8581% | 1,404 |
| Core capital (leverage) ratio | 10.1866% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2038% | 1,720 |
| Memoranda: | ||
| Average total assets | $2,848,643,500 | 406 |
| Average earning assets | $2,641,104,500 | 403 |
| Average equity | $316,002,500 | 385 |
| Average total loans | $1,695,707,000 | 418 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 2,143 |
| Cost of funding earning assets | 0.3043% | 2,371 |
| Net interest margin | 3.3843% | 2,080 |
| Noninterest income to average assets | 1.7222% | 387 |
| Noninterest expense to average assets | 3.1284% | 814 |
| Loan and lease loss provision to assets | 0.0601% | 1,852 |
| Net operating income to assets | 1.4229% | 1,204 |
| Return on assets (ROA) | 1.4241% | 1,265 |
| Pretax return on assets | 1.6611% | 1,238 |
| Return on Equity (ROE) | 12.4038% | 1,687 |
| Retained earnings to average equity (ytd only) | 10.7668% | 748 |
| Net charge-offs to loans | 0.0529% | 1,271 |
| Credit loss provision to net charge-offs | 178.3724% | 1,375 |
| Earnings coverage of net charge-offs (x) | 51.0033% | 1,282 |
| Efficiency ratio | 63.7573% | 2,600 |
| Assets per employee ($millions) | 5.2484% | 3,517 |
| Cash dividends to net income (ytd only)* | 13.1975% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 2,138 |
| Loan loss allowance to noncurrent loans | 252.4463% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 1,849 |
| Noncurrent loans to loans | 0.5346% | 1,793 |
| Net loans and leases to total assets | 59.1531% | 2,251 |
| Net loans and leases to deposits | 69.4112% | 2,183 |
| Net loans and leases to core deposits | 71.9708% | 2,265 |
| Total domestic deposits to total assets | 85.2212% | 3,205 |
| Equity capital to assets | 11.3332% | 1,583 |
| Core capital (leverage) ratio | 10.1379% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7746% | 1,938 |
| Memoranda: | ||
| Average total assets | $2,660,311,000 | 415 |
| Average earning assets | $2,457,198,400 | 412 |
| Average equity | $305,438,200 | 396 |
| Average total loans | $1,695,432,200 | 414 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 2,092 |
| Cost of funding earning assets | 0.3222% | 2,382 |
| Net interest margin | 3.4475% | 2,017 |
| Noninterest income to average assets | 1.7176% | 430 |
| Noninterest expense to average assets | 3.0064% | 962 |
| Loan and lease loss provision to assets | 0.0814% | 1,456 |
| Net operating income to assets | 1.5402% | 1,171 |
| Return on assets (ROA) | 1.5416% | 1,214 |
| Pretax return on assets | 1.8116% | 1,142 |
| Return on Equity (ROE) | 13.3805% | 1,584 |
| Retained earnings to average equity (ytd only) | 12.4974% | 724 |
| Net charge-offs to loans | 0.0380% | 1,326 |
| Credit loss provision to net charge-offs | 331.2629% | 953 |
| Earnings coverage of net charge-offs (x) | 76.9627% | 1,003 |
| Efficiency ratio | 60.6120% | 2,894 |
| Assets per employee ($millions) | 5.0904% | 3,614 |
| Cash dividends to net income (ytd only)* | 6.6002% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 2,087 |
| Loan loss allowance to noncurrent loans | 232.8620% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 1,855 |
| Noncurrent loans to loans | 0.5944% | 1,824 |
| Net loans and leases to total assets | 60.6348% | 2,179 |
| Net loans and leases to deposits | 71.5059% | 2,102 |
| Net loans and leases to core deposits | 74.2231% | 2,213 |
| Total domestic deposits to total assets | 84.7969% | 3,180 |
| Equity capital to assets | 11.6097% | 1,598 |
| Core capital (leverage) ratio | 10.3737% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6903% | 2,091 |
| Memoranda: | ||
| Average total assets | $2,620,786,000 | 426 |
| Average earning assets | $2,417,392,750 | 418 |
| Average equity | $301,944,000 | 401 |
| Average total loans | $1,696,794,500 | 414 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 2,457 |
| Cost of funding earning assets | 0.3412% | 2,391 |
| Net interest margin | 3.3137% | 2,398 |
| Noninterest income to average assets | 1.7075% | 428 |
| Noninterest expense to average assets | 3.0252% | 942 |
| Loan and lease loss provision to assets | 0.1238% | 1,013 |
| Net operating income to assets | 1.3856% | 1,600 |
| Return on assets (ROA) | 1.3877% | 1,667 |
| Pretax return on assets | 1.6151% | 1,694 |
| Return on Equity (ROE) | 12.0773% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.7305% | 1,188 |
| Net charge-offs to loans | 0.0574% | 1,038 |
| Credit loss provision to net charge-offs | 327.1984% | 858 |
| Earnings coverage of net charge-offs (x) | 45.8855% | 1,105 |
| Efficiency ratio | 62.7297% | 2,624 |
| Assets per employee ($millions) | 5.0636% | 3,606 |
| Cash dividends to net income (ytd only)* | 11.1514% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 2,198 |
| Loan loss allowance to noncurrent loans | 225.3786% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 1,789 |
| Noncurrent loans to loans | 0.5982% | 1,907 |
| Net loans and leases to total assets | 64.1399% | 1,931 |
| Net loans and leases to deposits | 75.7077% | 1,851 |
| Net loans and leases to core deposits | 79.1598% | 1,948 |
| Total domestic deposits to total assets | 84.7204% | 3,211 |
| Equity capital to assets | 11.4837% | 1,640 |
| Core capital (leverage) ratio | 10.0270% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2099% | 2,283 |
| Memoranda: | ||
| Average total assets | $2,584,888,667 | 424 |
| Average earning assets | $2,382,087,667 | 419 |
| Average equity | $297,002,667 | 402 |
| Average total loans | $1,703,183,667 | 416 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5613% | 2,757 |
| Cost of funding earning assets | 0.3636% | 2,416 |
| Net interest margin | 3.1978% | 2,704 |
| Noninterest income to average assets | 1.6663% | 508 |
| Noninterest expense to average assets | 3.0721% | 872 |
| Loan and lease loss provision to assets | 0.1880% | 655 |
| Net operating income to assets | 1.1831% | 2,221 |
| Return on assets (ROA) | 1.1985% | 2,229 |
| Pretax return on assets | 1.3671% | 2,377 |
| Return on Equity (ROE) | 10.4279% | 2,557 |
| Retained earnings to average equity (ytd only) | 10.4279% | 1,540 |
| Net charge-offs to loans | 0.0153% | 1,437 |
| Credit loss provision to net charge-offs | 1,846.1538% | 258 |
| Earnings coverage of net charge-offs (x) | 150.9846% | 487 |
| Efficiency ratio | 65.8023% | 2,258 |
| Assets per employee ($millions) | 4.9914% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 2,133 |
| Loan loss allowance to noncurrent loans | 222.6289% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 1,935 |
| Noncurrent loans to loans | 0.6123% | 2,041 |
| Net loans and leases to total assets | 64.6630% | 1,959 |
| Net loans and leases to deposits | 75.9885% | 1,912 |
| Net loans and leases to core deposits | 79.8149% | 2,019 |
| Total domestic deposits to total assets | 85.0958% | 3,058 |
| Equity capital to assets | 11.3198% | 1,646 |
| Core capital (leverage) ratio | 10.0357% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0365% | 2,278 |
| Memoranda: | ||
| Average total assets | $2,553,189,000 | 424 |
| Average earning assets | $2,350,010,000 | 421 |
| Average equity | $293,443,500 | 398 |
| Average total loans | $1,693,863,500 | 420 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 1,563 |
| Cost of funding earning assets | 0.5332% | 2,730 |
| Net interest margin | 3.8757% | 1,289 |
| Noninterest income to average assets | 1.8657% | 368 |
| Noninterest expense to average assets | 3.2694% | 940 |
| Loan and lease loss provision to assets | 0.4459% | 632 |
| Net operating income to assets | 1.4258% | 962 |
| Return on assets (ROA) | 1.4375% | 1,025 |
| Pretax return on assets | 1.7149% | 833 |
| Return on Equity (ROE) | 11.8437% | 1,367 |
| Retained earnings to average equity (ytd only) | 3.3103% | 3,171 |
| Net charge-offs to loans | 0.1295% | 1,217 |
| Credit loss provision to net charge-offs | 480.8283% | 1,287 |
| Earnings coverage of net charge-offs (x) | 23.1461% | 1,816 |
| Efficiency ratio | 59.6094% | 3,505 |
| Assets per employee ($millions) | 4.9038% | 3,500 |
| Cash dividends to net income (ytd only)* | 72.0504% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 2,348 |
| Loan loss allowance to noncurrent loans | 196.4467% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 1,828 |
| Noncurrent loans to loans | 0.6689% | 2,009 |
| Net loans and leases to total assets | 66.2767% | 2,059 |
| Net loans and leases to deposits | 78.3533% | 2,035 |
| Net loans and leases to core deposits | 82.4883% | 2,155 |
| Total domestic deposits to total assets | 84.5869% | 2,919 |
| Equity capital to assets | 11.6731% | 1,752 |
| Core capital (leverage) ratio | 9.8938% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6895% | 2,370 |
| Memoranda: | ||
| Average total assets | $2,317,142,400 | 424 |
| Average earning assets | $2,122,656,800 | 419 |
| Average equity | $281,245,400 | 394 |
| Average total loans | $1,659,084,200 | 409 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 1,333 |
| Cost of funding earning assets | 0.5746% | 2,774 |
| Net interest margin | 4.0163% | 1,077 |
| Noninterest income to average assets | 1.8661% | 352 |
| Noninterest expense to average assets | 3.2195% | 1,040 |
| Loan and lease loss provision to assets | 0.4483% | 722 |
| Net operating income to assets | 1.5638% | 788 |
| Return on assets (ROA) | 1.5673% | 857 |
| Pretax return on assets | 1.8783% | 665 |
| Return on Equity (ROE) | 12.7776% | 1,177 |
| Retained earnings to average equity (ytd only) | 3.6791% | 3,206 |
| Net charge-offs to loans | 0.1192% | 1,171 |
| Credit loss provision to net charge-offs | 516.4411% | 1,262 |
| Earnings coverage of net charge-offs (x) | 26.7490% | 1,687 |
| Efficiency ratio | 57.3547% | 3,756 |
| Assets per employee ($millions) | 4.5166% | 3,830 |
| Cash dividends to net income (ytd only)* | 71.2064% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 2,945 |
| Loan loss allowance to noncurrent loans | 268.0993% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 2,123 |
| Noncurrent loans to loans | 0.4284% | 2,770 |
| Net loans and leases to total assets | 71.6795% | 1,715 |
| Net loans and leases to deposits | 85.7973% | 1,727 |
| Net loans and leases to core deposits | 89.8264% | 1,993 |
| Total domestic deposits to total assets | 83.5452% | 2,975 |
| Equity capital to assets | 12.0802% | 1,633 |
| Core capital (leverage) ratio | 10.1644% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1256% | 2,144 |
| Memoranda: | ||
| Average total assets | $2,269,966,000 | 419 |
| Average earning assets | $2,077,400,000 | 421 |
| Average equity | $278,429,000 | 388 |
| Average total loans | $1,653,128,500 | 403 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9806% | 857 |
| Cost of funding earning assets | 0.6465% | 2,720 |
| Net interest margin | 4.3341% | 698 |
| Noninterest income to average assets | 2.1172% | 272 |
| Noninterest expense to average assets | 3.3633% | 904 |
| Loan and lease loss provision to assets | 0.5961% | 532 |
| Net operating income to assets | 1.7690% | 538 |
| Return on assets (ROA) | 1.7713% | 584 |
| Pretax return on assets | 2.1242% | 419 |
| Return on Equity (ROE) | 14.0441% | 882 |
| Retained earnings to average equity (ytd only) | -1.8505% | 4,575 |
| Net charge-offs to loans | 0.1984% | 773 |
| Credit loss provision to net charge-offs | 417.5905% | 1,372 |
| Earnings coverage of net charge-offs (x) | 19.0325% | 1,741 |
| Efficiency ratio | 54.6870% | 4,101 |
| Assets per employee ($millions) | 4.6261% | 3,621 |
| Cash dividends to net income (ytd only)* | 113.1761% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,356 |
| Loan loss allowance to noncurrent loans | 253.6653% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 2,062 |
| Noncurrent loans to loans | 0.4846% | 2,696 |
| Net loans and leases to total assets | 71.6617% | 1,777 |
| Net loans and leases to deposits | 86.4906% | 1,716 |
| Net loans and leases to core deposits | 88.7286% | 2,179 |
| Total domestic deposits to total assets | 82.8549% | 3,125 |
| Equity capital to assets | 11.8411% | 1,761 |
| Core capital (leverage) ratio | 10.6652% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8663% | 2,238 |
| Memoranda: | ||
| Average total assets | $1,895,587,667 | 484 |
| Average earning assets | $1,733,268,333 | 489 |
| Average equity | $239,075,667 | 422 |
| Average total loans | $1,363,771,000 | 475 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 1,653 |
| Cost of funding earning assets | 0.7960% | 2,420 |
| Net interest margin | 3.9255% | 1,595 |
| Noninterest income to average assets | 2.2965% | 222 |
| Noninterest expense to average assets | 3.4510% | 1,012 |
| Loan and lease loss provision to assets | 0.2636% | 1,183 |
| Net operating income to assets | 1.8028% | 413 |
| Return on assets (ROA) | 1.8082% | 450 |
| Pretax return on assets | 2.1709% | 317 |
| Return on Equity (ROE) | 13.8613% | 722 |
| Retained earnings to average equity (ytd only) | -13.0800% | 4,855 |
| Net charge-offs to loans | 0.2200% | 640 |
| Credit loss provision to net charge-offs | 167.3640% | 1,522 |
| Earnings coverage of net charge-offs (x) | 15.4156% | 1,563 |
| Efficiency ratio | 58.0257% | 3,996 |
| Assets per employee ($millions) | 4.2032% | 3,659 |
| Cash dividends to net income (ytd only)* | 194.3635% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 3,264 |
| Loan loss allowance to noncurrent loans | 168.6586% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 2,035 |
| Noncurrent loans to loans | 0.6461% | 2,373 |
| Net loans and leases to total assets | 71.5919% | 1,984 |
| Net loans and leases to deposits | 88.2308% | 1,733 |
| Net loans and leases to core deposits | 90.8607% | 2,267 |
| Total domestic deposits to total assets | 81.1416% | 3,632 |
| Equity capital to assets | 12.8167% | 1,540 |
| Core capital (leverage) ratio | 11.2364% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6591% | 2,415 |
| Memoranda: | ||
| Average total assets | $1,821,012,000 | 484 |
| Average earning assets | $1,661,854,000 | 492 |
| Average equity | $237,553,500 | 426 |
| Average total loans | $1,303,891,500 | 477 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 1,862 |
| Cost of funding earning assets | 1.0146% | 1,664 |
| Net interest margin | 3.8502% | 2,336 |
| Noninterest income to average assets | 2.0155% | 255 |
| Noninterest expense to average assets | 3.5570% | 896 |
| Loan and lease loss provision to assets | 0.2689% | 671 |
| Net operating income to assets | 1.4113% | 1,308 |
| Return on assets (ROA) | 1.5737% | 945 |
| Pretax return on assets | 1.8797% | 780 |
| Return on Equity (ROE) | 12.3896% | 1,367 |
| Retained earnings to average equity (ytd only) | 7.3173% | 1,246 |
| Net charge-offs to loans | 0.2782% | 751 |
| Credit loss provision to net charge-offs | 133.1115% | 1,917 |
| Earnings coverage of net charge-offs (x) | 9.6772% | 2,638 |
| Efficiency ratio | 63.7964% | 3,101 |
| Assets per employee ($millions) | 4.1032% | 3,770 |
| Cash dividends to net income (ytd only)* | 40.9398% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 3,031 |
| Loan loss allowance to noncurrent loans | 199.3279% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 2,049 |
| Noncurrent loans to loans | 0.5445% | 2,539 |
| Net loans and leases to total assets | 70.0496% | 2,390 |
| Net loans and leases to deposits | 86.2943% | 2,051 |
| Net loans and leases to core deposits | 88.8311% | 2,530 |
| Total domestic deposits to total assets | 81.1753% | 3,730 |
| Equity capital to assets | 13.2754% | 1,379 |
| Core capital (leverage) ratio | 11.7390% | 1,933 |
| Tier 1 risk-based capital ratio | 13.5899% | 3,465 |
| Total risk-based capital ratio | 14.5028% | 3,538 |
| Memoranda: | ||
| Average total assets | $1,784,987,000 | 471 |
| Average earning assets | $1,620,959,800 | 477 |
| Average equity | $226,722,600 | 425 |
| Average total loans | $1,296,093,200 | 465 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 1,909 |
| Cost of funding earning assets | 1.0525% | 1,528 |
| Net interest margin | 3.8192% | 2,532 |
| Noninterest income to average assets | 1.9511% | 275 |
| Noninterest expense to average assets | 3.4715% | 978 |
| Loan and lease loss provision to assets | 0.2700% | 580 |
| Net operating income to assets | 1.4080% | 1,443 |
| Return on assets (ROA) | 1.4221% | 1,461 |
| Pretax return on assets | 1.6890% | 1,369 |
| Return on Equity (ROE) | 11.3265% | 1,881 |
| Retained earnings to average equity (ytd only) | 5.6519% | 2,535 |
| Net charge-offs to loans | 0.3020% | 580 |
| Credit loss provision to net charge-offs | 122.3657% | 1,928 |
| Earnings coverage of net charge-offs (x) | 8.8008% | 2,622 |
| Efficiency ratio | 63.3768% | 3,100 |
| Assets per employee ($millions) | 4.0190% | 3,878 |
| Cash dividends to net income (ytd only)* | 50.1002% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,479 |
| Loan loss allowance to noncurrent loans | 197.5969% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 1,972 |
| Noncurrent loans to loans | 0.5143% | 2,746 |
| Net loans and leases to total assets | 72.5057% | 2,080 |
| Net loans and leases to deposits | 89.4252% | 1,765 |
| Net loans and leases to core deposits | 93.1794% | 2,246 |
| Total domestic deposits to total assets | 81.0797% | 3,730 |
| Equity capital to assets | 13.0279% | 1,604 |
| Core capital (leverage) ratio | 11.4459% | 2,260 |
| Tier 1 risk-based capital ratio | 13.0919% | 3,801 |
| Total risk-based capital ratio | 13.9684% | 3,892 |
| Memoranda: | ||
| Average total assets | $1,777,827,250 | 472 |
| Average earning assets | $1,611,623,500 | 478 |
| Average equity | $223,211,500 | 431 |
| Average total loans | $1,299,022,250 | 465 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 1,964 |
| Cost of funding earning assets | 1.0603% | 1,452 |
| Net interest margin | 3.7710% | 2,693 |
| Noninterest income to average assets | 1.8766% | 295 |
| Noninterest expense to average assets | 3.4840% | 979 |
| Loan and lease loss provision to assets | 0.2711% | 556 |
| Net operating income to assets | 1.3020% | 1,762 |
| Return on assets (ROA) | 1.3235% | 1,737 |
| Pretax return on assets | 1.5639% | 1,654 |
| Return on Equity (ROE) | 10.6779% | 2,102 |
| Retained earnings to average equity (ytd only) | 2.0189% | 4,110 |
| Net charge-offs to loans | 0.1747% | 934 |
| Credit loss provision to net charge-offs | 212.5775% | 1,154 |
| Earnings coverage of net charge-offs (x) | 14.1842% | 2,052 |
| Efficiency ratio | 65.0474% | 2,967 |
| Assets per employee ($millions) | 3.9819% | 3,885 |
| Cash dividends to net income (ytd only)* | 81.0926% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 3,209 |
| Loan loss allowance to noncurrent loans | 133.5907% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 1,400 |
| Noncurrent loans to loans | 0.8055% | 1,983 |
| Net loans and leases to total assets | 72.8733% | 2,088 |
| Net loans and leases to deposits | 88.2443% | 1,974 |
| Net loans and leases to core deposits | 94.5369% | 2,203 |
| Total domestic deposits to total assets | 82.5813% | 3,344 |
| Equity capital to assets | 12.7517% | 1,722 |
| Core capital (leverage) ratio | 11.2710% | 2,357 |
| Tier 1 risk-based capital ratio | 12.9301% | 3,875 |
| Total risk-based capital ratio | 13.8701% | 3,954 |
| Memoranda: | ||
| Average total assets | $1,770,261,330 | 475 |
| Average earning assets | $1,603,944,670 | 475 |
| Average equity | $219,425,330 | 442 |
| Average total loans | $1,292,401,000 | 466 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 2,003 |
| Cost of funding earning assets | 1.0513% | 1,373 |
| Net interest margin | 3.7154% | 2,835 |
| Noninterest income to average assets | 1.8462% | 276 |
| Noninterest expense to average assets | 3.5375% | 917 |
| Loan and lease loss provision to assets | 0.2710% | 511 |
| Net operating income to assets | 1.1927% | 2,088 |
| Return on assets (ROA) | 1.1927% | 2,136 |
| Pretax return on assets | 1.3991% | 2,089 |
| Return on Equity (ROE) | 9.7627% | 2,467 |
| Retained earnings to average equity (ytd only) | -1.3271% | 4,688 |
| Net charge-offs to loans | 0.2082% | 671 |
| Credit loss provision to net charge-offs | 179.1045% | 1,121 |
| Earnings coverage of net charge-offs (x) | 11.0388% | 1,925 |
| Efficiency ratio | 67.1451% | 2,772 |
| Assets per employee ($millions) | 4.0401% | 3,864 |
| Cash dividends to net income (ytd only)* | 113.5933% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 3,472 |
| Loan loss allowance to noncurrent loans | 95.0727% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2653% | 1,046 |
| Noncurrent loans to loans | 1.0931% | 1,520 |
| Net loans and leases to total assets | 71.4317% | 2,269 |
| Net loans and leases to deposits | 84.5948% | 2,317 |
| Net loans and leases to core deposits | 94.3406% | 2,093 |
| Total domestic deposits to total assets | 84.4399% | 2,871 |
| Equity capital to assets | 12.3542% | 1,816 |
| Core capital (leverage) ratio | 11.1385% | 2,440 |
| Tier 1 risk-based capital ratio | 13.1167% | 3,820 |
| Total risk-based capital ratio | 14.0349% | 3,891 |
| Memoranda: | ||
| Average total assets | $1,771,407,500 | 478 |
| Average earning assets | $1,602,611,500 | 480 |
| Average equity | $216,415,000 | 447 |
| Average total loans | $1,287,405,500 | 465 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 1,646 |
| Cost of funding earning assets | 0.7989% | 1,526 |
| Net interest margin | 3.9602% | 2,125 |
| Noninterest income to average assets | 1.7177% | 327 |
| Noninterest expense to average assets | 3.3965% | 1,157 |
| Loan and lease loss provision to assets | 0.5129% | 230 |
| Net operating income to assets | 1.1975% | 2,179 |
| Return on assets (ROA) | 1.1958% | 2,185 |
| Pretax return on assets | 1.4070% | 2,113 |
| Return on Equity (ROE) | 9.6598% | 2,661 |
| Retained earnings to average equity (ytd only) | -3.2865% | 5,187 |
| Net charge-offs to loans | 0.4160% | 443 |
| Credit loss provision to net charge-offs | 166.8563% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6.2518% | 3,106 |
| Efficiency ratio | 63.1241% | 3,321 |
| Assets per employee ($millions) | 3.9759% | 3,923 |
| Cash dividends to net income (ytd only)* | 134.0221% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 3,795 |
| Loan loss allowance to noncurrent loans | 134.1720% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9434% | 1,454 |
| Noncurrent loans to loans | 0.7321% | 2,160 |
| Net loans and leases to total assets | 72.4523% | 2,183 |
| Net loans and leases to deposits | 88.7872% | 1,950 |
| Net loans and leases to core deposits | 96.3848% | 2,026 |
| Total domestic deposits to total assets | 81.6022% | 3,758 |
| Equity capital to assets | 12.0803% | 1,835 |
| Core capital (leverage) ratio | 11.2184% | 2,333 |
| Tier 1 risk-based capital ratio | 12.9299% | 3,887 |
| Total risk-based capital ratio | 13.7964% | 3,982 |
| Memoranda: | ||
| Average total assets | $1,715,897,000 | 478 |
| Average earning assets | $1,559,967,400 | 476 |
| Average equity | $212,415,400 | 433 |
| Average total loans | $1,267,929,600 | 459 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7088% | 1,647 |
| Cost of funding earning assets | 0.7450% | 1,605 |
| Net interest margin | 3.9637% | 2,077 |
| Noninterest income to average assets | 1.6818% | 355 |
| Noninterest expense to average assets | 3.3491% | 1,200 |
| Loan and lease loss provision to assets | 0.5642% | 182 |
| Net operating income to assets | 1.1752% | 2,337 |
| Return on assets (ROA) | 1.1729% | 2,355 |
| Pretax return on assets | 1.3781% | 2,307 |
| Return on Equity (ROE) | 9.4151% | 2,897 |
| Retained earnings to average equity (ytd only) | -0.3346% | 5,081 |
| Net charge-offs to loans | 0.2863% | 582 |
| Credit loss provision to net charge-offs | 265.9771% | 1,122 |
| Earnings coverage of net charge-offs (x) | 9.1677% | 2,663 |
| Efficiency ratio | 62.5463% | 3,421 |
| Assets per employee ($millions) | 3.9017% | 4,042 |
| Cash dividends to net income (ytd only)* | 103.5543% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,470 |
| Loan loss allowance to noncurrent loans | 88.3270% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 1,225 |
| Noncurrent loans to loans | 1.1873% | 1,426 |
| Net loans and leases to total assets | 74.0106% | 1,977 |
| Net loans and leases to deposits | 91.6395% | 1,666 |
| Net loans and leases to core deposits | 101.0495% | 1,696 |
| Total domestic deposits to total assets | 80.7627% | 3,937 |
| Equity capital to assets | 12.4479% | 1,625 |
| Core capital (leverage) ratio | 11.4737% | 2,186 |
| Tier 1 risk-based capital ratio | 13.6235% | 3,562 |
| Total risk-based capital ratio | 14.5757% | 3,641 |
| Memoranda: | ||
| Average total assets | $1,701,563,750 | 478 |
| Average earning assets | $1,550,518,250 | 475 |
| Average equity | $211,966,250 | 429 |
| Average total loans | $1,260,539,250 | 455 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 1,682 |
| Cost of funding earning assets | 0.6868% | 1,704 |
| Net interest margin | 3.9475% | 2,040 |
| Noninterest income to average assets | 1.6478% | 369 |
| Noninterest expense to average assets | 3.4384% | 1,088 |
| Loan and lease loss provision to assets | 0.5694% | 183 |
| Net operating income to assets | 1.0656% | 2,725 |
| Return on assets (ROA) | 1.0621% | 2,745 |
| Pretax return on assets | 1.2355% | 2,785 |
| Return on Equity (ROE) | 8.5238% | 3,251 |
| Retained earnings to average equity (ytd only) | -0.0438% | 4,963 |
| Net charge-offs to loans | 0.3751% | 421 |
| Credit loss provision to net charge-offs | 205.5675% | 1,281 |
| Earnings coverage of net charge-offs (x) | 6.5293% | 2,615 |
| Efficiency ratio | 64.8679% | 3,179 |
| Assets per employee ($millions) | 4.0200% | 3,862 |
| Cash dividends to net income (ytd only)* | 100.5137% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 4,386 |
| Loan loss allowance to noncurrent loans | 86.6499% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 1,489 |
| Noncurrent loans to loans | 1.0268% | 1,717 |
| Net loans and leases to total assets | 74.4206% | 1,880 |
| Net loans and leases to deposits | 92.3142% | 1,543 |
| Net loans and leases to core deposits | 104.5182% | 1,352 |
| Total domestic deposits to total assets | 80.6167% | 4,095 |
| Equity capital to assets | 12.5946% | 1,488 |
| Core capital (leverage) ratio | 11.6281% | 1,964 |
| Tier 1 risk-based capital ratio | 13.4979% | 3,618 |
| Total risk-based capital ratio | 14.3006% | 3,785 |
| Memoranda: | ||
| Average total assets | $1,686,097,670 | 484 |
| Average earning assets | $1,537,236,670 | 479 |
| Average equity | $210,093,330 | 432 |
| Average total loans | $1,244,923,000 | 459 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 1,717 |
| Cost of funding earning assets | 0.6490% | 1,721 |
| Net interest margin | 3.9009% | 2,043 |
| Noninterest income to average assets | 1.5768% | 391 |
| Noninterest expense to average assets | 3.4153% | 1,136 |
| Loan and lease loss provision to assets | 0.5801% | 176 |
| Net operating income to assets | 0.9715% | 2,978 |
| Return on assets (ROA) | 0.9758% | 2,987 |
| Pretax return on assets | 1.1371% | 3,017 |
| Return on Equity (ROE) | 7.8764% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.8764% | 1,889 |
| Net charge-offs to loans | 0.5877% | 256 |
| Credit loss provision to net charge-offs | 134.9073% | 1,300 |
| Earnings coverage of net charge-offs (x) | 3.9815% | 2,341 |
| Efficiency ratio | 66.1229% | 3,139 |
| Assets per employee ($millions) | 3.9870% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 4,887 |
| Loan loss allowance to noncurrent loans | 141.1824% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 2,310 |
| Noncurrent loans to loans | 0.5394% | 2,909 |
| Net loans and leases to total assets | 73.5924% | 1,928 |
| Net loans and leases to deposits | 91.0556% | 1,551 |
| Net loans and leases to core deposits | 108.0117% | 1,123 |
| Total domestic deposits to total assets | 80.8213% | 4,238 |
| Equity capital to assets | 12.3721% | 1,566 |
| Core capital (leverage) ratio | 11.7881% | 1,786 |
| Tier 1 risk-based capital ratio | 13.3613% | 3,742 |
| Total risk-based capital ratio | 14.0439% | 3,953 |
| Memoranda: | ||
| Average total assets | $1,654,791,000 | 495 |
| Average earning assets | $1,506,206,500 | 496 |
| Average equity | $205,018,500 | 445 |
| Average total loans | $1,210,842,000 | 475 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4350% | 1,929 |
| Cost of funding earning assets | 0.5515% | 1,938 |
| Net interest margin | 3.8834% | 2,140 |
| Noninterest income to average assets | 0.8820% | 1,322 |
| Noninterest expense to average assets | 3.1177% | 1,810 |
| Loan and lease loss provision to assets | 0.4404% | 317 |
| Net operating income to assets | 0.7447% | 3,410 |
| Return on assets (ROA) | 0.7843% | 3,266 |
| Pretax return on assets | 0.9428% | 3,768 |
| Return on Equity (ROE) | 6.9760% | 3,291 |
| Retained earnings to average equity (ytd only) | 1.1001% | 4,592 |
| Net charge-offs to loans | 0.7862% | 257 |
| Credit loss provision to net charge-offs | 74.4879% | 3,023 |
| Earnings coverage of net charge-offs (x) | 2.2580% | 3,771 |
| Efficiency ratio | 69.6395% | 2,614 |
| Assets per employee ($millions) | 4.0231% | 3,922 |
| Cash dividends to net income (ytd only)* | 84.2302% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 4,491 |
| Loan loss allowance to noncurrent loans | 261.5778% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 3,079 |
| Noncurrent loans to loans | 0.3423% | 3,534 |
| Net loans and leases to total assets | 73.5073% | 2,001 |
| Net loans and leases to deposits | 94.0857% | 1,264 |
| Net loans and leases to core deposits | 110.2151% | 986 |
| Total domestic deposits to total assets | 78.1280% | 4,697 |
| Equity capital to assets | 10.8322% | 2,802 |
| Core capital (leverage) ratio | 10.7288% | 2,613 |
| Tier 1 risk-based capital ratio | 12.6055% | 4,142 |
| Total risk-based capital ratio | 13.4004% | 4,327 |
| Memoranda: | ||
| Average total assets | $1,362,309,400 | 564 |
| Average earning assets | $1,252,661,000 | 560 |
| Average equity | $153,168,000 | 537 |
| Average total loans | $1,024,502,800 | 530 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4240% | 1,883 |
| Cost of funding earning assets | 0.5356% | 1,985 |
| Net interest margin | 3.8884% | 2,076 |
| Noninterest income to average assets | 0.8709% | 1,367 |
| Noninterest expense to average assets | 3.0766% | 1,873 |
| Loan and lease loss provision to assets | 0.4425% | 294 |
| Net operating income to assets | 0.7435% | 3,765 |
| Return on assets (ROA) | 0.7945% | 3,591 |
| Pretax return on assets | 0.9930% | 3,711 |
| Return on Equity (ROE) | 7.0013% | 3,661 |
| Retained earnings to average equity (ytd only) | 7.0013% | 1,686 |
| Net charge-offs to loans | 0.7707% | 241 |
| Credit loss provision to net charge-offs | 76.0778% | 2,634 |
| Earnings coverage of net charge-offs (x) | 2.3571% | 3,471 |
| Efficiency ratio | 68.7944% | 2,740 |
| Assets per employee ($millions) | 3.9120% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 4,357 |
| Loan loss allowance to noncurrent loans | 185.7385% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 2,695 |
| Noncurrent loans to loans | 0.5077% | 3,180 |
| Net loans and leases to total assets | 75.4289% | 1,691 |
| Net loans and leases to deposits | 101.5715% | 644 |
| Net loans and leases to core deposits | 121.4917% | 534 |
| Total domestic deposits to total assets | 74.2619% | 5,212 |
| Equity capital to assets | 11.6220% | 2,256 |
| Core capital (leverage) ratio | 11.2831% | 2,197 |
| Tier 1 risk-based capital ratio | 13.0194% | 3,995 |
| Total risk-based capital ratio | 13.8637% | 4,157 |
| Memoranda: | ||
| Average total assets | $1,355,896,500 | 566 |
| Average earning assets | $1,247,172,750 | 564 |
| Average equity | $153,873,250 | 541 |
| Average total loans | $1,023,261,000 | 533 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 1,850 |
| Cost of funding earning assets | 0.5133% | 2,069 |
| Net interest margin | 3.8762% | 2,015 |
| Noninterest income to average assets | 0.8741% | 1,349 |
| Noninterest expense to average assets | 3.0685% | 1,916 |
| Loan and lease loss provision to assets | 0.4444% | 277 |
| Net operating income to assets | 0.7455% | 3,649 |
| Return on assets (ROA) | 0.8064% | 3,423 |
| Pretax return on assets | 1.0025% | 3,563 |
| Return on Equity (ROE) | 7.1646% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.1646% | 1,512 |
| Net charge-offs to loans | 0.6548% | 298 |
| Credit loss provision to net charge-offs | 90.1984% | 2,138 |
| Earnings coverage of net charge-offs (x) | 2.7823% | 3,127 |
| Efficiency ratio | 68.7377% | 2,887 |
| Assets per employee ($millions) | 3.9148% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,837 |
| Loan loss allowance to noncurrent loans | 108.7738% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9671% | 1,814 |
| Noncurrent loans to loans | 0.9680% | 2,027 |
| Net loans and leases to total assets | 75.0797% | 1,687 |
| Net loans and leases to deposits | 97.8390% | 908 |
| Net loans and leases to core deposits | 124.5090% | 422 |
| Total domestic deposits to total assets | 76.7380% | 4,996 |
| Equity capital to assets | 11.4916% | 2,326 |
| Core capital (leverage) ratio | 11.0281% | 2,377 |
| Tier 1 risk-based capital ratio | 12.6460% | 4,212 |
| Total risk-based capital ratio | 13.5772% | 4,300 |
| Memoranda: | ||
| Average total assets | $1,350,163,000 | 574 |
| Average earning assets | $1,241,839,000 | 567 |
| Average equity | $151,970,330 | 542 |
| Average total loans | $1,015,824,330 | 536 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3526% | 1,809 |
| Cost of funding earning assets | 0.4956% | 2,125 |
| Net interest margin | 3.8570% | 1,932 |
| Noninterest income to average assets | 0.7859% | 1,606 |
| Noninterest expense to average assets | 3.0838% | 1,908 |
| Loan and lease loss provision to assets | 0.4477% | 234 |
| Net operating income to assets | 0.6578% | 3,898 |
| Return on assets (ROA) | 0.7462% | 3,547 |
| Pretax return on assets | 0.9047% | 3,753 |
| Return on Equity (ROE) | 6.7012% | 3,550 |
| Retained earnings to average equity (ytd only) | 6.7012% | 1,978 |
| Net charge-offs to loans | 0.0020% | 2,897 |
| Credit loss provision to net charge-offs | 30,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 834.0000% | 55 |
| Efficiency ratio | 70.8523% | 2,767 |
| Assets per employee ($millions) | 3.8873% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 2,762 |
| Loan loss allowance to noncurrent loans | 90.9078% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.2661% | 1,352 |
| Noncurrent loans to loans | 1.3847% | 1,456 |
| Net loans and leases to total assets | 74.4604% | 1,668 |
| Net loans and leases to deposits | 95.7484% | 954 |
| Net loans and leases to core deposits | 110.7309% | 846 |
| Total domestic deposits to total assets | 77.7668% | 4,998 |
| Equity capital to assets | 11.2392% | 2,394 |
| Core capital (leverage) ratio | 10.9485% | 2,414 |
| Tier 1 risk-based capital ratio | 12.4084% | 4,441 |
| Total risk-based capital ratio | 13.4926% | 4,452 |
| Memoranda: | ||
| Average total assets | $1,340,154,500 | 578 |
| Average earning assets | $1,230,897,000 | 574 |
| Average equity | $149,228,000 | 548 |
| Average total loans | $1,003,899,500 | 541 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 1,635 |
| Cost of funding earning assets | 0.5351% | 1,823 |
| Net interest margin | 3.9345% | 1,836 |
| Noninterest income to average assets | 0.8674% | 1,516 |
| Noninterest expense to average assets | 3.1823% | 1,838 |
| Loan and lease loss provision to assets | 0.2169% | 1,024 |
| Net operating income to assets | 0.8193% | 3,213 |
| Return on assets (ROA) | 0.8536% | 3,158 |
| Pretax return on assets | 1.1212% | 3,011 |
| Return on Equity (ROE) | 7.4700% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.4700% | 1,050 |
| Net charge-offs to loans | 0.1442% | 1,819 |
| Credit loss provision to net charge-offs | 201.1494% | 1,407 |
| Earnings coverage of net charge-offs (x) | 11.9856% | 2,496 |
| Efficiency ratio | 70.7070% | 2,792 |
| Assets per employee ($millions) | 3.9389% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 3,518 |
| Loan loss allowance to noncurrent loans | 65.9548% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5227% | 1,081 |
| Noncurrent loans to loans | 1.7203% | 1,122 |
| Net loans and leases to total assets | 73.5609% | 1,918 |
| Net loans and leases to deposits | 93.0920% | 1,287 |
| Net loans and leases to core deposits | 115.2450% | 648 |
| Total domestic deposits to total assets | 79.0196% | 4,788 |
| Equity capital to assets | 11.0303% | 2,609 |
| Core capital (leverage) ratio | 10.9580% | 2,384 |
| Tier 1 risk-based capital ratio | 12.4928% | 4,378 |
| Total risk-based capital ratio | 13.4732% | 4,439 |
| Memoranda: | ||
| Average total assets | $1,291,006,000 | 574 |
| Average earning assets | $1,183,623,200 | 570 |
| Average equity | $147,522,800 | 537 |
| Average total loans | $965,502,000 | 525 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 1,526 |
| Cost of funding earning assets | 0.5350% | 1,832 |
| Net interest margin | 3.9691% | 1,752 |
| Noninterest income to average assets | 0.8700% | 1,513 |
| Noninterest expense to average assets | 3.1664% | 1,862 |
| Loan and lease loss provision to assets | 0.1875% | 1,166 |
| Net operating income to assets | 0.8698% | 3,051 |
| Return on assets (ROA) | 0.9016% | 3,037 |
| Pretax return on assets | 1.1995% | 2,838 |
| Return on Equity (ROE) | 7.8192% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.8192% | 1,244 |
| Net charge-offs to loans | 0.0871% | 2,094 |
| Credit loss provision to net charge-offs | 287.5399% | 1,075 |
| Earnings coverage of net charge-offs (x) | 20.6053% | 1,864 |
| Efficiency ratio | 69.7963% | 2,917 |
| Assets per employee ($millions) | 3.9003% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,887 |
| Loan loss allowance to noncurrent loans | 693.9032% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,951 |
| Noncurrent loans to loans | 0.1570% | 4,726 |
| Net loans and leases to total assets | 75.3463% | 1,646 |
| Net loans and leases to deposits | 95.5950% | 1,088 |
| Net loans and leases to core deposits | 124.7193% | 397 |
| Total domestic deposits to total assets | 78.8183% | 4,766 |
| Equity capital to assets | 11.4633% | 2,543 |
| Core capital (leverage) ratio | 10.9572% | 2,495 |
| Tier 1 risk-based capital ratio | 12.5396% | 4,448 |
| Total risk-based capital ratio | 13.5199% | 4,527 |
| Memoranda: | ||
| Average total assets | $1,279,933,000 | 576 |
| Average earning assets | $1,173,826,500 | 573 |
| Average equity | $147,581,500 | 537 |
| Average total loans | $958,495,000 | 527 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 1,593 |
| Cost of funding earning assets | 0.5316% | 1,862 |
| Net interest margin | 3.9426% | 1,832 |
| Noninterest income to average assets | 0.8923% | 1,396 |
| Noninterest expense to average assets | 3.2253% | 1,751 |
| Loan and lease loss provision to assets | 0.1900% | 1,141 |
| Net operating income to assets | 0.8213% | 3,210 |
| Return on assets (ROA) | 0.8668% | 3,135 |
| Pretax return on assets | 1.1501% | 2,988 |
| Return on Equity (ROE) | 7.5023% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.5023% | 1,380 |
| Net charge-offs to loans | 0.0710% | 2,171 |
| Credit loss provision to net charge-offs | 359.2814% | 841 |
| Earnings coverage of net charge-offs (x) | 24.1647% | 1,561 |
| Efficiency ratio | 71.2056% | 2,786 |
| Assets per employee ($millions) | 3.7611% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 3,996 |
| Loan loss allowance to noncurrent loans | 524.0234% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 3,905 |
| Noncurrent loans to loans | 0.2080% | 4,612 |
| Net loans and leases to total assets | 75.0645% | 1,636 |
| Net loans and leases to deposits | 95.8638% | 1,095 |
| Net loans and leases to core deposits | 126.8036% | 357 |
| Total domestic deposits to total assets | 78.3032% | 4,939 |
| Equity capital to assets | 11.5430% | 2,499 |
| Core capital (leverage) ratio | 10.9733% | 2,458 |
| Tier 1 risk-based capital ratio | 12.7002% | 4,385 |
| Total risk-based capital ratio | 13.6906% | 4,477 |
| Memoranda: | ||
| Average total assets | $1,263,246,330 | 582 |
| Average earning assets | $1,156,946,330 | 577 |
| Average equity | $145,955,000 | 543 |
| Average total loans | $940,279,670 | 536 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 1,664 |
| Cost of funding earning assets | 0.5187% | 1,953 |
| Net interest margin | 3.9278% | 1,852 |
| Noninterest income to average assets | 0.9216% | 1,260 |
| Noninterest expense to average assets | 3.2117% | 1,815 |
| Loan and lease loss provision to assets | 0.1926% | 1,030 |
| Net operating income to assets | 0.8375% | 3,046 |
| Return on assets (ROA) | 0.9036% | 2,860 |
| Pretax return on assets | 1.1919% | 2,738 |
| Return on Equity (ROE) | 7.8172% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.8172% | 1,536 |
| Net charge-offs to loans | 0.1303% | 1,321 |
| Credit loss provision to net charge-offs | 200.6689% | 1,074 |
| Earnings coverage of net charge-offs (x) | 13.5184% | 1,732 |
| Efficiency ratio | 70.7980% | 2,986 |
| Assets per employee ($millions) | 3.5567% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 4,084 |
| Loan loss allowance to noncurrent loans | 723.1152% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 4,088 |
| Noncurrent loans to loans | 0.1514% | 4,870 |
| Net loans and leases to total assets | 72.9651% | 1,890 |
| Net loans and leases to deposits | 92.2611% | 1,311 |
| Net loans and leases to core deposits | 113.9426% | 673 |
| Total domestic deposits to total assets | 79.0854% | 4,947 |
| Equity capital to assets | 11.5960% | 2,355 |
| Core capital (leverage) ratio | 11.0631% | 2,348 |
| Tier 1 risk-based capital ratio | 13.1811% | 4,150 |
| Total risk-based capital ratio | 14.1747% | 4,224 |
| Memoranda: | ||
| Average total assets | $1,246,074,500 | 586 |
| Average earning assets | $1,138,136,500 | 587 |
| Average equity | $144,042,000 | 546 |
| Average total loans | $918,039,000 | 547 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4465% | 1,756 |
| Cost of funding earning assets | 0.4861% | 2,302 |
| Net interest margin | 3.9604% | 1,841 |
| Noninterest income to average assets | 0.9661% | 1,276 |
| Noninterest expense to average assets | 3.3232% | 1,667 |
| Loan and lease loss provision to assets | 0.1756% | 1,296 |
| Net operating income to assets | 0.8390% | 3,162 |
| Return on assets (ROA) | 0.8881% | 3,019 |
| Pretax return on assets | 1.1305% | 2,919 |
| Return on Equity (ROE) | 7.9703% | 2,976 |
| Retained earnings to average equity (ytd only) | 7.9703% | 929 |
| Net charge-offs to loans | 0.0684% | 2,872 |
| Credit loss provision to net charge-offs | 354.6099% | 842 |
| Earnings coverage of net charge-offs (x) | 25.1206% | 1,642 |
| Efficiency ratio | 72.5186% | 2,825 |
| Assets per employee ($millions) | 3.5030% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 4,113 |
| Loan loss allowance to noncurrent loans | 839.6596% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 4,009 |
| Noncurrent loans to loans | 0.1295% | 4,975 |
| Net loans and leases to total assets | 72.7742% | 1,927 |
| Net loans and leases to deposits | 94.9004% | 1,120 |
| Net loans and leases to core deposits | 108.9921% | 918 |
| Total domestic deposits to total assets | 76.6848% | 5,371 |
| Equity capital to assets | 11.5226% | 2,335 |
| Core capital (leverage) ratio | 11.5781% | 1,902 |
| Tier 1 risk-based capital ratio | 12.9115% | 4,381 |
| Total risk-based capital ratio | 13.8751% | 4,445 |
| Memoranda: | ||
| Average total assets | $1,139,270,000 | 617 |
| Average earning assets | $1,035,791,800 | 625 |
| Average equity | $126,946,800 | 597 |
| Average total loans | $824,950,800 | 570 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 1,608 |
| Cost of funding earning assets | 0.4865% | 2,352 |
| Net interest margin | 4.0083% | 1,670 |
| Noninterest income to average assets | 1.0264% | 1,128 |
| Noninterest expense to average assets | 3.2424% | 1,844 |
| Loan and lease loss provision to assets | 0.2151% | 890 |
| Net operating income to assets | 0.9444% | 2,738 |
| Return on assets (ROA) | 1.0074% | 2,526 |
| Pretax return on assets | 1.2960% | 2,417 |
| Return on Equity (ROE) | 9.1270% | 2,506 |
| Retained earnings to average equity (ytd only) | 9.1270% | 859 |
| Net charge-offs to loans | 0.0482% | 2,928 |
| Credit loss provision to net charge-offs | 618.5567% | 551 |
| Earnings coverage of net charge-offs (x) | 41.1203% | 1,218 |
| Efficiency ratio | 69.1491% | 3,347 |
| Assets per employee ($millions) | 3.5119% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 3,508 |
| Loan loss allowance to noncurrent loans | 640.3995% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 3,737 |
| Noncurrent loans to loans | 0.1914% | 4,878 |
| Net loans and leases to total assets | 71.4901% | 2,143 |
| Net loans and leases to deposits | 96.7178% | 937 |
| Net loans and leases to core deposits | 115.1324% | 631 |
| Total domestic deposits to total assets | 73.9162% | 5,721 |
| Equity capital to assets | 11.3475% | 2,649 |
| Core capital (leverage) ratio | 10.8331% | 2,665 |
| Tier 1 risk-based capital ratio | 13.0832% | 4,387 |
| Total risk-based capital ratio | 14.1648% | 4,400 |
| Memoranda: | ||
| Average total assets | $1,115,821,500 | 636 |
| Average earning assets | $1,014,898,500 | 639 |
| Average equity | $123,163,250 | 623 |
| Average total loans | $804,383,750 | 588 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 1,601 |
| Cost of funding earning assets | 0.4837% | 2,399 |
| Net interest margin | 3.9951% | 1,651 |
| Noninterest income to average assets | 1.0796% | 1,028 |
| Noninterest expense to average assets | 3.1730% | 2,055 |
| Loan and lease loss provision to assets | 0.2154% | 886 |
| Net operating income to assets | 1.0185% | 2,303 |
| Return on assets (ROA) | 1.0997% | 2,047 |
| Pretax return on assets | 1.4303% | 1,863 |
| Return on Equity (ROE) | 10.0573% | 2,042 |
| Retained earnings to average equity (ytd only) | 10.0573% | 650 |
| Net charge-offs to loans | 0.0673% | 2,423 |
| Credit loss provision to net charge-offs | 444.4444% | 683 |
| Earnings coverage of net charge-offs (x) | 31.7704% | 1,319 |
| Efficiency ratio | 67.0831% | 3,819 |
| Assets per employee ($millions) | 3.4497% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 4,071 |
| Loan loss allowance to noncurrent loans | 345.2601% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 3,446 |
| Noncurrent loans to loans | 0.3336% | 4,488 |
| Net loans and leases to total assets | 71.4276% | 2,080 |
| Net loans and leases to deposits | 96.2978% | 937 |
| Net loans and leases to core deposits | 116.3395% | 582 |
| Total domestic deposits to total assets | 74.1737% | 5,769 |
| Equity capital to assets | 10.9530% | 2,932 |
| Core capital (leverage) ratio | 10.5624% | 2,878 |
| Tier 1 risk-based capital ratio | 13.0949% | 4,463 |
| Total risk-based capital ratio | 14.1342% | 4,498 |
| Memoranda: | ||
| Average total assets | $1,114,327,670 | 638 |
| Average earning assets | $1,013,345,000 | 641 |
| Average equity | $121,842,330 | 631 |
| Average total loans | $802,230,000 | 584 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 1,549 |
| Cost of funding earning assets | 0.4724% | 2,538 |
| Net interest margin | 3.9971% | 1,563 |
| Noninterest income to average assets | 0.9549% | 1,221 |
| Noninterest expense to average assets | 3.1573% | 2,101 |
| Loan and lease loss provision to assets | 0.2164% | 822 |
| Net operating income to assets | 0.9453% | 2,536 |
| Return on assets (ROA) | 1.0350% | 2,248 |
| Pretax return on assets | 1.3271% | 2,166 |
| Return on Equity (ROE) | 9.4740% | 2,231 |
| Retained earnings to average equity (ytd only) | 9.4740% | 1,047 |
| Net charge-offs to loans | 0.0562% | 2,204 |
| Credit loss provision to net charge-offs | 535.7143% | 510 |
| Earnings coverage of net charge-offs (x) | 35.3661% | 1,045 |
| Efficiency ratio | 68.5986% | 3,726 |
| Assets per employee ($millions) | 3.5514% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 4,521 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.6563% | 3,528 |
| Noncurrent loans to loans | 0.3387% | 4,573 |
| Net loans and leases to total assets | 71.6316% | 1,872 |
| Net loans and leases to deposits | 96.5914% | 793 |
| Net loans and leases to core deposits | 114.9394% | 550 |
| Total domestic deposits to total assets | 74.1594% | 5,889 |
| Equity capital to assets | 11.0180% | 2,948 |
| Core capital (leverage) ratio | 10.4846% | 2,982 |
| Tier 1 risk-based capital ratio | 12.8157% | 4,718 |
| Total risk-based capital ratio | 13.8177% | 4,779 |
| Memoranda: | ||
| Average total assets | $1,109,183,500 | 639 |
| Average earning assets | $1,007,525,500 | 639 |
| Average equity | $121,174,000 | 634 |
| Average total loans | $797,022,000 | 580 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 1,547 |
| Cost of funding earning assets | 0.5209% | 2,481 |
| Net interest margin | 4.0844% | 1,632 |
| Noninterest income to average assets | 0.9666% | 1,300 |
| Noninterest expense to average assets | 3.2347% | 2,113 |
| Loan and lease loss provision to assets | 0.1221% | 2,147 |
| Net operating income to assets | 1.0163% | 2,311 |
| Return on assets (ROA) | 1.0389% | 2,296 |
| Pretax return on assets | 1.3126% | 2,200 |
| Return on Equity (ROE) | 9.5601% | 2,308 |
| Retained earnings to average equity (ytd only) | 3.4885% | 3,728 |
| Net charge-offs to loans | 0.3187% | 1,386 |
| Credit loss provision to net charge-offs | 54.5034% | 3,390 |
| Earnings coverage of net charge-offs (x) | 6.2778% | 3,234 |
| Efficiency ratio | 69.4331% | 3,639 |
| Assets per employee ($millions) | 3.5588% | 4,799 |
| Cash dividends to net income (ytd only)* | 63.5093% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 4,664 |
| Loan loss allowance to noncurrent loans | 359.9061% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 3,739 |
| Noncurrent loans to loans | 0.2988% | 4,773 |
| Net loans and leases to total assets | 70.5081% | 2,152 |
| Net loans and leases to deposits | 96.0253% | 899 |
| Net loans and leases to core deposits | 111.7008% | 700 |
| Total domestic deposits to total assets | 73.4266% | 5,987 |
| Equity capital to assets | 10.8296% | 3,085 |
| Core capital (leverage) ratio | 10.4799% | 2,971 |
| Tier 1 risk-based capital ratio | 12.6055% | 4,973 |
| Total risk-based capital ratio | 13.5649% | 5,061 |
| Memoranda: | ||
| Average total assets | $1,060,898,800 | 636 |
| Average earning assets | $954,319,200 | 646 |
| Average equity | $115,292,000 | 629 |
| Average total loans | $745,417,600 | 583 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 1,439 |
| Cost of funding earning assets | 0.5328% | 2,442 |
| Net interest margin | 4.1147% | 1,530 |
| Noninterest income to average assets | 0.8876% | 1,559 |
| Noninterest expense to average assets | 3.2054% | 2,160 |
| Loan and lease loss provision to assets | 0.0577% | 3,214 |
| Net operating income to assets | 1.0251% | 2,345 |
| Return on assets (ROA) | 1.0503% | 2,295 |
| Pretax return on assets | 1.3536% | 2,178 |
| Return on Equity (ROE) | 9.6561% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.6561% | 792 |
| Net charge-offs to loans | 0.3845% | 1,040 |
| Credit loss provision to net charge-offs | 21.4420% | 3,567 |
| Earnings coverage of net charge-offs (x) | 5.1235% | 3,319 |
| Efficiency ratio | 69.6464% | 3,571 |
| Assets per employee ($millions) | 3.4124% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 5,038 |
| Loan loss allowance to noncurrent loans | 178.9234% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8419% | 3,311 |
| Noncurrent loans to loans | 0.5804% | 4,180 |
| Net loans and leases to total assets | 71.1204% | 2,004 |
| Net loans and leases to deposits | 95.3812% | 927 |
| Net loans and leases to core deposits | 113.4031% | 604 |
| Total domestic deposits to total assets | 74.5645% | 5,960 |
| Equity capital to assets | 11.5343% | 2,448 |
| Core capital (leverage) ratio | 10.9928% | 2,491 |
| Tier 1 risk-based capital ratio | 13.5995% | 4,476 |
| Total risk-based capital ratio | 14.5309% | 4,619 |
| Memoranda: | ||
| Average total assets | $1,051,205,000 | 634 |
| Average earning assets | $944,423,250 | 648 |
| Average equity | $114,342,500 | 631 |
| Average total loans | $735,825,000 | 588 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 1,500 |
| Cost of funding earning assets | 0.5405% | 2,429 |
| Net interest margin | 4.0709% | 1,604 |
| Noninterest income to average assets | 0.8983% | 1,497 |
| Noninterest expense to average assets | 3.1482% | 2,337 |
| Loan and lease loss provision to assets | 0.0466% | 3,376 |
| Net operating income to assets | 1.0347% | 2,184 |
| Return on assets (ROA) | 1.0646% | 2,137 |
| Pretax return on assets | 1.3905% | 1,929 |
| Return on Equity (ROE) | 9.9886% | 2,158 |
| Retained earnings to average equity (ytd only) | 9.9886% | 718 |
| Net charge-offs to loans | 0.5772% | 703 |
| Credit loss provision to net charge-offs | 11.6390% | 3,286 |
| Earnings coverage of net charge-offs (x) | 3.4917% | 3,290 |
| Efficiency ratio | 68.9681% | 3,839 |
| Assets per employee ($millions) | 3.3707% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 5,133 |
| Loan loss allowance to noncurrent loans | 456.7164% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8429% | 3,446 |
| Noncurrent loans to loans | 0.2293% | 5,311 |
| Net loans and leases to total assets | 68.3010% | 2,371 |
| Net loans and leases to deposits | 91.6726% | 1,194 |
| Net loans and leases to core deposits | 109.7695% | 704 |
| Total domestic deposits to total assets | 74.5054% | 6,064 |
| Equity capital to assets | 11.0900% | 2,797 |
| Core capital (leverage) ratio | 10.5763% | 2,850 |
| Tier 1 risk-based capital ratio | 13.4432% | 4,620 |
| Total risk-based capital ratio | 14.3632% | 4,772 |
| Memoranda: | ||
| Average total assets | $1,051,270,000 | 635 |
| Average earning assets | $942,108,330 | 646 |
| Average equity | $112,047,670 | 641 |
| Average total loans | $729,324,330 | 592 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 1,490 |
| Cost of funding earning assets | 0.5548% | 2,387 |
| Net interest margin | 4.0506% | 1,596 |
| Noninterest income to average assets | 0.7304% | 2,027 |
| Noninterest expense to average assets | 3.1333% | 2,427 |
| Loan and lease loss provision to assets | 0.0401% | 3,278 |
| Net operating income to assets | 0.9300% | 2,509 |
| Return on assets (ROA) | 0.9285% | 2,585 |
| Pretax return on assets | 1.1816% | 2,565 |
| Return on Equity (ROE) | 8.8935% | 2,512 |
| Retained earnings to average equity (ytd only) | 8.8935% | 1,282 |
| Net charge-offs to loans | 0.0900% | 2,262 |
| Credit loss provision to net charge-offs | 64.0244% | 2,070 |
| Earnings coverage of net charge-offs (x) | 19.5427% | 1,370 |
| Efficiency ratio | 71.6264% | 3,554 |
| Assets per employee ($millions) | 3.5396% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 4,168 |
| Loan loss allowance to noncurrent loans | 1,062.0225% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 3,455 |
| Noncurrent loans to loans | 0.1216% | 5,752 |
| Net loans and leases to total assets | 67.3614% | 2,326 |
| Net loans and leases to deposits | 87.8242% | 1,376 |
| Net loans and leases to core deposits | 108.0694% | 669 |
| Total domestic deposits to total assets | 76.7003% | 5,999 |
| Equity capital to assets | 10.4433% | 3,306 |
| Core capital (leverage) ratio | 10.5198% | 2,902 |
| Tier 1 risk-based capital ratio | 12.9096% | 5,054 |
| Total risk-based capital ratio | 14.0321% | 5,071 |
| Memoranda: | ||
| Average total assets | $1,047,703,000 | 640 |
| Average earning assets | $938,024,000 | 653 |
| Average equity | $109,383,000 | 659 |
| Average total loans | $728,711,000 | 597 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 1,304 |
| Cost of funding earning assets | 0.6429% | 2,270 |
| Net interest margin | 4.1611% | 1,469 |
| Noninterest income to average assets | 0.7870% | 2,133 |
| Noninterest expense to average assets | 2.9549% | 3,183 |
| Loan and lease loss provision to assets | 0.0195% | 4,749 |
| Net operating income to assets | 1.3712% | 1,088 |
| Return on assets (ROA) | 0.9406% | 2,683 |
| Pretax return on assets | 1.0700% | 3,071 |
| Return on Equity (ROE) | 9.0185% | 2,523 |
| Retained earnings to average equity (ytd only) | 9.0185% | 767 |
| Net charge-offs to loans | 0.1235% | 3,572 |
| Credit loss provision to net charge-offs | 22.9095% | 4,393 |
| Earnings coverage of net charge-offs (x) | 18.5487% | 1,646 |
| Efficiency ratio | 64.8796% | 4,754 |
| Assets per employee ($millions) | 3.4674% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 4,091 |
| Loan loss allowance to noncurrent loans | 304.9054% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 3,978 |
| Noncurrent loans to loans | 0.4299% | 4,920 |
| Net loans and leases to total assets | 69.9975% | 2,010 |
| Net loans and leases to deposits | 90.3396% | 1,202 |
| Net loans and leases to core deposits | 103.9195% | 918 |
| Total domestic deposits to total assets | 77.4827% | 5,899 |
| Equity capital to assets | 10.4371% | 3,238 |
| Core capital (leverage) ratio | 10.4376% | 2,977 |
| Tier 1 risk-based capital ratio | 12.8376% | 5,091 |
| Total risk-based capital ratio | 13.9818% | 5,099 |
| Memoranda: | ||
| Average total assets | $1,025,649,800 | 642 |
| Average earning assets | $923,510,000 | 644 |
| Average equity | $106,968,800 | 661 |
| Average total loans | $706,781,800 | 595 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8095% | 1,329 |
| Cost of funding earning assets | 0.6581% | 2,292 |
| Net interest margin | 4.1514% | 1,478 |
| Noninterest income to average assets | 0.8124% | 2,086 |
| Noninterest expense to average assets | 2.9811% | 3,052 |
| Loan and lease loss provision to assets | 0.0260% | 4,487 |
| Net operating income to assets | 1.2028% | 1,625 |
| Return on assets (ROA) | 1.0607% | 2,231 |
| Pretax return on assets | 1.3666% | 2,054 |
| Return on Equity (ROE) | 10.1722% | 2,112 |
| Retained earnings to average equity (ytd only) | 10.1722% | 754 |
| Net charge-offs to loans | 0.0482% | 4,215 |
| Credit loss provision to net charge-offs | 78.7402% | 2,877 |
| Earnings coverage of net charge-offs (x) | 47.7241% | 893 |
| Efficiency ratio | 65.1411% | 4,625 |
| Assets per employee ($millions) | 3.6147% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 3,725 |
| Loan loss allowance to noncurrent loans | 801.9794% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 4,631 |
| Noncurrent loans to loans | 0.1798% | 5,792 |
| Net loans and leases to total assets | 66.9646% | 2,465 |
| Net loans and leases to deposits | 87.6359% | 1,410 |
| Net loans and leases to core deposits | 102.9448% | 938 |
| Total domestic deposits to total assets | 76.4123% | 6,121 |
| Equity capital to assets | 10.1627% | 3,687 |
| Core capital (leverage) ratio | 10.1011% | 3,519 |
| Tier 1 risk-based capital ratio | 12.9716% | 5,145 |
| Total risk-based capital ratio | 14.2228% | 5,092 |
| Memoranda: | ||
| Average total assets | $1,026,338,250 | 643 |
| Average earning assets | $925,476,750 | 647 |
| Average equity | $107,020,750 | 669 |
| Average total loans | $702,099,250 | 598 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7819% | 1,371 |
| Cost of funding earning assets | 0.6721% | 2,292 |
| Net interest margin | 4.1098% | 1,512 |
| Noninterest income to average assets | 0.8179% | 2,116 |
| Noninterest expense to average assets | 2.9410% | 3,196 |
| Loan and lease loss provision to assets | 0.0391% | 4,170 |
| Net operating income to assets | 1.1557% | 1,716 |
| Return on assets (ROA) | 1.2730% | 1,492 |
| Pretax return on assets | 1.7088% | 1,094 |
| Return on Equity (ROE) | 12.1051% | 1,458 |
| Retained earnings to average equity (ytd only) | 12.1051% | 474 |
| Net charge-offs to loans | 0.0530% | 3,936 |
| Credit loss provision to net charge-offs | 107.5269% | 2,061 |
| Earnings coverage of net charge-offs (x) | 43.7419% | 870 |
| Efficiency ratio | 64.6214% | 4,773 |
| Assets per employee ($millions) | 3.7318% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 3,867 |
| Loan loss allowance to noncurrent loans | 826.3371% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.5969% | 4,760 |
| Noncurrent loans to loans | 0.1737% | 5,881 |
| Net loans and leases to total assets | 67.2554% | 2,373 |
| Net loans and leases to deposits | 87.3514% | 1,419 |
| Net loans and leases to core deposits | 105.3723% | 773 |
| Total domestic deposits to total assets | 76.9940% | 6,128 |
| Equity capital to assets | 10.0676% | 3,833 |
| Core capital (leverage) ratio | 10.2498% | 3,162 |
| Tier 1 risk-based capital ratio | 12.6419% | 5,399 |
| Total risk-based capital ratio | 13.8866% | 5,345 |
| Memoranda: | ||
| Average total assets | $1,023,852,670 | 647 |
| Average earning assets | $924,862,330 | 646 |
| Average equity | $107,674,000 | 666 |
| Average total loans | $701,997,000 | 594 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7994% | 1,292 |
| Cost of funding earning assets | 0.6920% | 2,289 |
| Net interest margin | 4.1074% | 1,436 |
| Noninterest income to average assets | 0.6682% | 2,770 |
| Noninterest expense to average assets | 2.9626% | 3,107 |
| Loan and lease loss provision to assets | 0.0788% | 3,326 |
| Net operating income to assets | 1.0122% | 2,174 |
| Return on assets (ROA) | 1.1907% | 1,662 |
| Pretax return on assets | 1.5808% | 1,345 |
| Return on Equity (ROE) | 11.0796% | 1,683 |
| Retained earnings to average equity (ytd only) | 11.0796% | 854 |
| Net charge-offs to loans | 0.0768% | 3,074 |
| Credit loss provision to net charge-offs | 149.2537% | 1,376 |
| Earnings coverage of net charge-offs (x) | 26.9254% | 1,018 |
| Efficiency ratio | 67.2688% | 4,453 |
| Assets per employee ($millions) | 3.6952% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 3,990 |
| Loan loss allowance to noncurrent loans | 1,013.7488% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 4,847 |
| Noncurrent loans to loans | 0.1437% | 6,041 |
| Net loans and leases to total assets | 67.2475% | 2,149 |
| Net loans and leases to deposits | 86.7358% | 1,275 |
| Net loans and leases to core deposits | 104.4091% | 699 |
| Total domestic deposits to total assets | 77.5314% | 6,183 |
| Equity capital to assets | 10.6698% | 3,350 |
| Core capital (leverage) ratio | 9.9573% | 3,444 |
| Tier 1 risk-based capital ratio | 12.5667% | 5,542 |
| Total risk-based capital ratio | 13.8188% | 5,486 |
| Memoranda: | ||
| Average total assets | $1,015,197,500 | 657 |
| Average earning assets | $918,441,500 | 655 |
| Average equity | $109,101,000 | 667 |
| Average total loans | $697,778,000 | 600 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 1,606 |
| Cost of funding earning assets | 0.8148% | 2,545 |
| Net interest margin | 4.1688% | 1,747 |
| Noninterest income to average assets | 0.8052% | 2,245 |
| Noninterest expense to average assets | 2.9301% | 3,533 |
| Loan and lease loss provision to assets | 0.1968% | 3,174 |
| Net operating income to assets | 1.1611% | 1,730 |
| Return on assets (ROA) | 1.2063% | 1,747 |
| Pretax return on assets | 1.5023% | 1,670 |
| Return on Equity (ROE) | 11.5559% | 1,636 |
| Retained earnings to average equity (ytd only) | 11.5559% | 369 |
| Net charge-offs to loans | 0.3905% | 2,690 |
| Credit loss provision to net charge-offs | 71.6561% | 4,108 |
| Earnings coverage of net charge-offs (x) | 5.9805% | 2,901 |
| Efficiency ratio | 63.8205% | 4,919 |
| Assets per employee ($millions) | 3.7017% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 3,858 |
| Loan loss allowance to noncurrent loans | 501.6256% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 4,414 |
| Noncurrent loans to loans | 0.2933% | 5,744 |
| Net loans and leases to total assets | 68.2215% | 2,147 |
| Net loans and leases to deposits | 88.0703% | 1,264 |
| Net loans and leases to core deposits | 105.7213% | 702 |
| Total domestic deposits to total assets | 77.4625% | 6,173 |
| Equity capital to assets | 10.8262% | 3,145 |
| Core capital (leverage) ratio | 10.3463% | 2,950 |
| Tier 1 risk-based capital ratio | 12.3006% | 5,601 |
| Total risk-based capital ratio | 13.5168% | 5,578 |
| Memoranda: | ||
| Average total assets | $914,624,000 | 719 |
| Average earning assets | $826,539,400 | 723 |
| Average equity | $95,475,400 | 739 |
| Average total loans | $643,272,400 | 646 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0530% | 1,552 |
| Cost of funding earning assets | 0.8418% | 2,614 |
| Net interest margin | 4.2112% | 1,702 |
| Noninterest income to average assets | 0.8230% | 2,145 |
| Noninterest expense to average assets | 2.8526% | 3,786 |
| Loan and lease loss provision to assets | 0.2686% | 2,429 |
| Net operating income to assets | 1.1704% | 1,831 |
| Return on assets (ROA) | 1.1808% | 1,989 |
| Pretax return on assets | 1.5249% | 1,790 |
| Return on Equity (ROE) | 11.4299% | 1,809 |
| Retained earnings to average equity (ytd only) | 11.4299% | 625 |
| Net charge-offs to loans | 0.4635% | 2,248 |
| Credit loss provision to net charge-offs | 82.0419% | 3,556 |
| Earnings coverage of net charge-offs (x) | 5.4366% | 3,030 |
| Efficiency ratio | 61.3150% | 5,258 |
| Assets per employee ($millions) | 3.8030% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 3,413 |
| Loan loss allowance to noncurrent loans | 702.4080% | 584 |
| Noncurrent assets plus other real estate owned to assets | 1.1124% | 4,073 |
| Noncurrent loans to loans | 0.2321% | 6,028 |
| Net loans and leases to total assets | 68.8477% | 2,144 |
| Net loans and leases to deposits | 89.2187% | 1,237 |
| Net loans and leases to core deposits | 113.8054% | 440 |
| Total domestic deposits to total assets | 77.1674% | 6,208 |
| Equity capital to assets | 10.5205% | 3,820 |
| Core capital (leverage) ratio | 9.7627% | 3,853 |
| Tier 1 risk-based capital ratio | 11.9811% | 5,945 |
| Total risk-based capital ratio | 13.2038% | 5,950 |
| Memoranda: | ||
| Average total assets | $893,418,000 | 740 |
| Average earning assets | $808,245,000 | 741 |
| Average equity | $92,293,750 | 764 |
| Average total loans | $631,085,250 | 658 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0642% | 1,618 |
| Cost of funding earning assets | 0.8592% | 2,734 |
| Net interest margin | 4.2050% | 1,736 |
| Noninterest income to average assets | 0.8136% | 2,121 |
| Noninterest expense to average assets | 2.8332% | 3,895 |
| Loan and lease loss provision to assets | 0.2714% | 2,414 |
| Net operating income to assets | 1.1673% | 1,824 |
| Return on assets (ROA) | 1.1682% | 2,023 |
| Pretax return on assets | 1.5119% | 1,816 |
| Return on Equity (ROE) | 11.3809% | 1,855 |
| Retained earnings to average equity (ytd only) | 11.3809% | 677 |
| Net charge-offs to loans | 0.2269% | 3,216 |
| Credit loss provision to net charge-offs | 168.7764% | 1,654 |
| Earnings coverage of net charge-offs (x) | 11.0844% | 1,994 |
| Efficiency ratio | 61.1220% | 5,402 |
| Assets per employee ($millions) | 3.6928% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8089% | 2,824 |
| Loan loss allowance to noncurrent loans | 902.7756% | 455 |
| Noncurrent assets plus other real estate owned to assets | 1.3126% | 3,806 |
| Noncurrent loans to loans | 0.2004% | 6,183 |
| Net loans and leases to total assets | 69.1479% | 2,079 |
| Net loans and leases to deposits | 90.0700% | 1,144 |
| Net loans and leases to core deposits | 114.3265% | 438 |
| Total domestic deposits to total assets | 76.7713% | 6,366 |
| Equity capital to assets | 10.5235% | 3,661 |
| Core capital (leverage) ratio | 9.5715% | 4,044 |
| Tier 1 risk-based capital ratio | 11.7703% | 6,078 |
| Total risk-based capital ratio | 13.0201% | 6,059 |
| Memoranda: | ||
| Average total assets | $884,445,330 | 751 |
| Average earning assets | $799,610,000 | 754 |
| Average equity | $90,783,670 | 771 |
| Average total loans | $626,736,670 | 664 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0465% | 1,735 |
| Cost of funding earning assets | 0.8743% | 2,882 |
| Net interest margin | 4.1722% | 1,843 |
| Noninterest income to average assets | 0.7179% | 2,564 |
| Noninterest expense to average assets | 2.7673% | 4,171 |
| Loan and lease loss provision to assets | 0.2728% | 2,277 |
| Net operating income to assets | 1.1284% | 1,955 |
| Return on assets (ROA) | 1.1284% | 2,145 |
| Pretax return on assets | 1.4571% | 2,001 |
| Return on Equity (ROE) | 11.1358% | 1,966 |
| Retained earnings to average equity (ytd only) | 11.1358% | 997 |
| Net charge-offs to loans | 0.2699% | 2,588 |
| Credit loss provision to net charge-offs | 142.1801% | 1,737 |
| Earnings coverage of net charge-offs (x) | 9.0166% | 1,893 |
| Efficiency ratio | 61.2616% | 5,410 |
| Assets per employee ($millions) | 3.8526% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 3,119 |
| Loan loss allowance to noncurrent loans | 145.1245% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 3,736 |
| Noncurrent loans to loans | 1.2137% | 4,305 |
| Net loans and leases to total assets | 69.3963% | 1,861 |
| Net loans and leases to deposits | 89.8732% | 977 |
| Net loans and leases to core deposits | 133.7575% | 171 |
| Total domestic deposits to total assets | 77.2158% | 6,365 |
| Equity capital to assets | 10.1302% | 3,942 |
| Core capital (leverage) ratio | 9.4846% | 4,071 |
| Tier 1 risk-based capital ratio | 11.6581% | 6,186 |
| Total risk-based capital ratio | 12.8965% | 6,171 |
| Memoranda: | ||
| Average total assets | $879,839,000 | 753 |
| Average earning assets | $796,990,500 | 755 |
| Average equity | $89,153,500 | 781 |
| Average total loans | $625,440,000 | 664 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4327% | 1,336 |
| Cost of funding earning assets | 1.0177% | 3,253 |
| Net interest margin | 4.4150% | 1,360 |
| Noninterest income to average assets | 0.5841% | 3,259 |
| Noninterest expense to average assets | 2.8473% | 4,175 |
| Loan and lease loss provision to assets | 0.3586% | 2,853 |
| Net operating income to assets | 1.0941% | 1,858 |
| Return on assets (ROA) | 1.1590% | 1,751 |
| Pretax return on assets | 1.4609% | 1,592 |
| Return on Equity (ROE) | 12.1826% | 1,357 |
| Retained earnings to average equity (ytd only) | 12.1826% | 290 |
| Net charge-offs to loans | 0.2208% | 4,406 |
| Credit loss provision to net charge-offs | 225.2585% | 1,079 |
| Earnings coverage of net charge-offs (x) | 10.9129% | 1,779 |
| Efficiency ratio | 61.8152% | 5,486 |
| Assets per employee ($millions) | 3.8483% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 3,027 |
| Loan loss allowance to noncurrent loans | 325.3210% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 4,779 |
| Noncurrent loans to loans | 0.5382% | 5,638 |
| Net loans and leases to total assets | 70.2886% | 1,974 |
| Net loans and leases to deposits | 90.2919% | 1,126 |
| Net loans and leases to core deposits | 124.2025% | 296 |
| Total domestic deposits to total assets | 77.8460% | 6,224 |
| Equity capital to assets | 10.1358% | 3,989 |
| Core capital (leverage) ratio | 9.3455% | 4,258 |
| Tier 1 risk-based capital ratio | 11.3953% | 6,221 |
| Total risk-based capital ratio | 12.6408% | 6,221 |
| Memoranda: | ||
| Average total assets | $850,483,000 | 766 |
| Average earning assets | $770,646,200 | 770 |
| Average equity | $80,910,800 | 824 |
| Average total loans | $613,154,400 | 683 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4836% | 1,294 |
| Cost of funding earning assets | 1.0468% | 3,338 |
| Net interest margin | 4.4368% | 1,301 |
| Noninterest income to average assets | 0.6857% | 2,693 |
| Noninterest expense to average assets | 2.7643% | 4,483 |
| Loan and lease loss provision to assets | 0.4415% | 2,268 |
| Net operating income to assets | 1.1287% | 1,882 |
| Return on assets (ROA) | 1.1795% | 1,833 |
| Pretax return on assets | 1.5722% | 1,455 |
| Return on Equity (ROE) | 12.6098% | 1,383 |
| Retained earnings to average equity (ytd only) | 12.6098% | 418 |
| Net charge-offs to loans | 0.2202% | 4,059 |
| Credit loss provision to net charge-offs | 277.5025% | 1,031 |
| Earnings coverage of net charge-offs (x) | 12.2329% | 1,727 |
| Efficiency ratio | 58.4047% | 5,951 |
| Assets per employee ($millions) | 3.8257% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7660% | 3,049 |
| Loan loss allowance to noncurrent loans | 257.6788% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 4,285 |
| Noncurrent loans to loans | 0.6853% | 5,519 |
| Net loans and leases to total assets | 71.3383% | 1,842 |
| Net loans and leases to deposits | 91.9905% | 1,012 |
| Net loans and leases to core deposits | 118.2116% | 436 |
| Total domestic deposits to total assets | 77.5496% | 6,285 |
| Equity capital to assets | 10.0209% | 4,314 |
| Core capital (leverage) ratio | 9.0737% | 4,818 |
| Tier 1 risk-based capital ratio | 11.2238% | 6,413 |
| Total risk-based capital ratio | 12.4778% | 6,394 |
| Memoranda: | ||
| Average total assets | $845,673,500 | 780 |
| Average earning assets | $767,116,000 | 779 |
| Average equity | $79,100,250 | 856 |
| Average total loans | $610,890,500 | 689 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5275% | 1,239 |
| Cost of funding earning assets | 1.0723% | 3,451 |
| Net interest margin | 4.4552% | 1,237 |
| Noninterest income to average assets | 0.6937% | 2,586 |
| Noninterest expense to average assets | 2.7307% | 4,703 |
| Loan and lease loss provision to assets | 0.4989% | 1,968 |
| Net operating income to assets | 1.1053% | 1,859 |
| Return on assets (ROA) | 1.1524% | 1,792 |
| Pretax return on assets | 1.5664% | 1,338 |
| Return on Equity (ROE) | 12.6259% | 1,298 |
| Retained earnings to average equity (ytd only) | 12.6259% | 433 |
| Net charge-offs to loans | 0.2599% | 3,589 |
| Credit loss provision to net charge-offs | 266.1597% | 1,144 |
| Earnings coverage of net charge-offs (x) | 10.6793% | 1,782 |
| Efficiency ratio | 57.4218% | 6,240 |
| Assets per employee ($millions) | 3.9305% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 3,266 |
| Loan loss allowance to noncurrent loans | 395.5589% | 814 |
| Noncurrent assets plus other real estate owned to assets | 1.1213% | 4,654 |
| Noncurrent loans to loans | 0.4344% | 6,037 |
| Net loans and leases to total assets | 70.4884% | 2,116 |
| Net loans and leases to deposits | 90.6915% | 1,200 |
| Net loans and leases to core deposits | 118.2260% | 465 |
| Total domestic deposits to total assets | 77.7233% | 6,342 |
| Equity capital to assets | 9.4765% | 4,846 |
| Core capital (leverage) ratio | 8.7780% | 5,083 |
| Tier 1 risk-based capital ratio | 10.7734% | 6,677 |
| Total risk-based capital ratio | 12.0199% | 6,658 |
| Memoranda: | ||
| Average total assets | $841,913,670 | 793 |
| Average earning assets | $763,204,670 | 794 |
| Average equity | $76,842,330 | 884 |
| Average total loans | $607,078,670 | 703 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5058% | 1,280 |
| Cost of funding earning assets | 1.1038% | 3,491 |
| Net interest margin | 4.4020% | 1,272 |
| Noninterest income to average assets | 0.6461% | 2,869 |
| Noninterest expense to average assets | 2.7297% | 4,720 |
| Loan and lease loss provision to assets | 0.5021% | 1,735 |
| Net operating income to assets | 1.0358% | 2,049 |
| Return on assets (ROA) | 1.0440% | 2,079 |
| Pretax return on assets | 1.4170% | 1,679 |
| Return on Equity (ROE) | 11.6659% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.6659% | 786 |
| Net charge-offs to loans | 0.1277% | 3,755 |
| Credit loss provision to net charge-offs | 544.0415% | 670 |
| Earnings coverage of net charge-offs (x) | 20.6736% | 1,104 |
| Efficiency ratio | 58.5688% | 6,198 |
| Assets per employee ($millions) | 4.0359% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 3,582 |
| Loan loss allowance to noncurrent loans | 238.5199% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3091% | 4,353 |
| Noncurrent loans to loans | 0.6862% | 5,650 |
| Net loans and leases to total assets | 71.3030% | 1,856 |
| Net loans and leases to deposits | 92.3173% | 990 |
| Net loans and leases to core deposits | 118.1174% | 469 |
| Total domestic deposits to total assets | 77.2368% | 6,493 |
| Equity capital to assets | 9.0411% | 5,135 |
| Core capital (leverage) ratio | 8.6116% | 5,252 |
| Tier 1 risk-based capital ratio | 10.2323% | 6,918 |
| Total risk-based capital ratio | 11.4686% | 6,916 |
| Memoranda: | ||
| Average total assets | $836,414,000 | 800 |
| Average earning assets | $758,476,000 | 807 |
| Average equity | $74,850,500 | 893 |
| Average total loans | $604,760,500 | 717 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5923% | 1,928 |
| Cost of funding earning assets | 1.3564% | 3,528 |
| Net interest margin | 4.2358% | 2,040 |
| Noninterest income to average assets | 0.7787% | 2,388 |
| Noninterest expense to average assets | 2.6514% | 5,208 |
| Loan and lease loss provision to assets | 0.7149% | 2,294 |
| Net operating income to assets | 0.9486% | 2,209 |
| Return on assets (ROA) | 1.0040% | 2,131 |
| Pretax return on assets | 1.3531% | 1,786 |
| Return on Equity (ROE) | 11.1271% | 1,548 |
| Retained earnings to average equity (ytd only) | 11.1271% | 367 |
| Net charge-offs to loans | 0.8828% | 2,425 |
| Credit loss provision to net charge-offs | 109.8848% | 4,013 |
| Earnings coverage of net charge-offs (x) | 3.0637% | 3,542 |
| Efficiency ratio | 56.7334% | 6,495 |
| Assets per employee ($millions) | 4.0062% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 3,794 |
| Loan loss allowance to noncurrent loans | 235.2084% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 1.7194% | 3,725 |
| Noncurrent loans to loans | 0.6572% | 5,740 |
| Net loans and leases to total assets | 70.9988% | 2,306 |
| Net loans and leases to deposits | 90.9365% | 1,408 |
| Net loans and leases to core deposits | 115.1050% | 670 |
| Total domestic deposits to total assets | 78.0752% | 6,296 |
| Equity capital to assets | 8.8544% | 5,347 |
| Core capital (leverage) ratio | 8.5492% | 5,277 |
| Tier 1 risk-based capital ratio | 10.1552% | 6,905 |
| Total risk-based capital ratio | 11.4042% | 6,880 |
| Memoranda: | ||
| Average total assets | $800,829,800 | 842 |
| Average earning assets | $730,881,600 | 840 |
| Average equity | $72,256,200 | 926 |
| Average total loans | $590,147,600 | 756 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5886% | 2,104 |
| Cost of funding earning assets | 1.3885% | 3,642 |
| Net interest margin | 4.2002% | 2,214 |
| Noninterest income to average assets | 0.7550% | 2,480 |
| Noninterest expense to average assets | 2.5823% | 5,395 |
| Loan and lease loss provision to assets | 0.4907% | 3,014 |
| Net operating income to assets | 1.1015% | 1,880 |
| Return on assets (ROA) | 1.1635% | 1,790 |
| Pretax return on assets | 1.6118% | 1,323 |
| Return on Equity (ROE) | 12.8331% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.8331% | 365 |
| Net charge-offs to loans | 0.7098% | 2,646 |
| Credit loss provision to net charge-offs | 93.3014% | 4,649 |
| Earnings coverage of net charge-offs (x) | 3.8338% | 3,283 |
| Efficiency ratio | 55.7951% | 6,585 |
| Assets per employee ($millions) | 3.9462% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 4,434 |
| Loan loss allowance to noncurrent loans | 100.7011% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.6260% | 4,007 |
| Noncurrent loans to loans | 1.3950% | 4,527 |
| Net loans and leases to total assets | 73.1646% | 1,983 |
| Net loans and leases to deposits | 97.8446% | 806 |
| Net loans and leases to core deposits | 118.1919% | 678 |
| Total domestic deposits to total assets | 74.7763% | 6,818 |
| Equity capital to assets | 9.4942% | 4,854 |
| Core capital (leverage) ratio | 8.6559% | 5,263 |
| Tier 1 risk-based capital ratio | 10.1092% | 7,008 |
| Total risk-based capital ratio | 11.3493% | 6,995 |
| Memoranda: | ||
| Average total assets | $794,716,250 | 856 |
| Average earning assets | $727,289,250 | 847 |
| Average equity | $72,051,750 | 927 |
| Average total loans | $588,899,250 | 766 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5803% | 2,209 |
| Cost of funding earning assets | 1.4163% | 3,774 |
| Net interest margin | 4.1640% | 2,280 |
| Noninterest income to average assets | 0.7169% | 2,605 |
| Noninterest expense to average assets | 2.5717% | 5,449 |
| Loan and lease loss provision to assets | 0.3994% | 3,326 |
| Net operating income to assets | 1.1337% | 1,743 |
| Return on assets (ROA) | 1.1622% | 1,726 |
| Pretax return on assets | 1.5987% | 1,307 |
| Return on Equity (ROE) | 13.0306% | 1,233 |
| Retained earnings to average equity (ytd only) | 13.0306% | 378 |
| Net charge-offs to loans | 0.4427% | 3,209 |
| Credit loss provision to net charge-offs | 121.8097% | 3,323 |
| Earnings coverage of net charge-offs (x) | 5.9745% | 2,555 |
| Efficiency ratio | 56.3920% | 6,589 |
| Assets per employee ($millions) | 3.9011% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,938 |
| Loan loss allowance to noncurrent loans | 109.5285% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 1.8515% | 3,689 |
| Noncurrent loans to loans | 1.3696% | 4,653 |
| Net loans and leases to total assets | 73.2598% | 2,093 |
| Net loans and leases to deposits | 99.9458% | 730 |
| Net loans and leases to core deposits | 116.6878% | 820 |
| Total domestic deposits to total assets | 73.2995% | 7,062 |
| Equity capital to assets | 9.1329% | 5,244 |
| Core capital (leverage) ratio | 8.3762% | 5,618 |
| Tier 1 risk-based capital ratio | 9.9060% | 7,077 |
| Total risk-based capital ratio | 11.1497% | 7,056 |
| Memoranda: | ||
| Average total assets | $788,648,000 | 864 |
| Average earning assets | $722,326,330 | 852 |
| Average equity | $70,342,330 | 955 |
| Average total loans | $584,117,670 | 779 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5062% | 2,553 |
| Cost of funding earning assets | 1.4336% | 3,968 |
| Net interest margin | 4.0726% | 2,557 |
| Noninterest income to average assets | 0.6836% | 2,713 |
| Noninterest expense to average assets | 2.5009% | 5,728 |
| Loan and lease loss provision to assets | 0.3840% | 3,060 |
| Net operating income to assets | 1.1089% | 1,804 |
| Return on assets (ROA) | 1.1322% | 1,808 |
| Pretax return on assets | 1.5710% | 1,339 |
| Return on Equity (ROE) | 12.8516% | 1,281 |
| Retained earnings to average equity (ytd only) | 12.8516% | 639 |
| Net charge-offs to loans | 0.2238% | 3,589 |
| Credit loss provision to net charge-offs | 232.1981% | 1,640 |
| Earnings coverage of net charge-offs (x) | 11.6254% | 1,634 |
| Efficiency ratio | 56.1523% | 6,741 |
| Assets per employee ($millions) | 3.9012% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 3,651 |
| Loan loss allowance to noncurrent loans | 60.3138% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.2037% | 3,269 |
| Noncurrent loans to loans | 2.5736% | 3,097 |
| Net loans and leases to total assets | 72.9658% | 2,212 |
| Net loans and leases to deposits | 96.7503% | 1,018 |
| Net loans and leases to core deposits | 114.4370% | 1,020 |
| Total domestic deposits to total assets | 75.4166% | 6,845 |
| Equity capital to assets | 8.9474% | 5,353 |
| Core capital (leverage) ratio | 8.2511% | 5,832 |
| Tier 1 risk-based capital ratio | 9.7534% | 7,179 |
| Total risk-based capital ratio | 10.9256% | 7,213 |
| Memoranda: | ||
| Average total assets | $781,160,000 | 892 |
| Average earning assets | $717,374,000 | 879 |
| Average equity | $68,816,500 | 973 |
| Average total loans | $577,327,000 | 807 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8074% | 2,629 |
| Cost of funding earning assets | 1.8938% | 3,494 |
| Net interest margin | 3.9136% | 3,214 |
| Noninterest income to average assets | 0.7841% | 2,485 |
| Noninterest expense to average assets | 2.7667% | 5,101 |
| Loan and lease loss provision to assets | 0.3916% | 4,446 |
| Net operating income to assets | 0.8872% | 2,223 |
| Return on assets (ROA) | 0.9646% | 2,017 |
| Pretax return on assets | 1.3305% | 1,611 |
| Return on Equity (ROE) | 11.2750% | 1,361 |
| Retained earnings to average equity (ytd only) | 11.2750% | 268 |
| Net charge-offs to loans | 0.3334% | 4,567 |
| Credit loss provision to net charge-offs | 156.3342% | 2,892 |
| Earnings coverage of net charge-offs (x) | 6.4464% | 2,363 |
| Efficiency ratio | 62.7816% | 6,005 |
| Assets per employee ($millions) | 3.9506% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 3,576 |
| Loan loss allowance to noncurrent loans | 298.8300% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 5,818 |
| Noncurrent loans to loans | 0.5119% | 6,228 |
| Net loans and leases to total assets | 72.5633% | 2,617 |
| Net loans and leases to deposits | 95.2844% | 1,416 |
| Net loans and leases to core deposits | 124.3269% | 1,618 |
| Total domestic deposits to total assets | 76.1544% | 6,648 |
| Equity capital to assets | 8.6678% | 5,632 |
| Core capital (leverage) ratio | 8.1770% | 5,860 |
| Tier 1 risk-based capital ratio | 9.6730% | 7,117 |
| Total risk-based capital ratio | 10.9067% | 7,098 |
| Memoranda: | ||
| Average total assets | $740,633,600 | 921 |
| Average earning assets | $680,747,600 | 910 |
| Average equity | $63,361,600 | 1,043 |
| Average total loans | $556,404,400 | 861 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8267% | 2,772 |
| Cost of funding earning assets | 2.0149% | 3,277 |
| Net interest margin | 3.8118% | 3,608 |
| Noninterest income to average assets | 0.8030% | 2,414 |
| Noninterest expense to average assets | 2.6992% | 5,333 |
| Loan and lease loss provision to assets | 0.2728% | 4,788 |
| Net operating income to assets | 0.9582% | 2,207 |
| Return on assets (ROA) | 1.0425% | 1,987 |
| Pretax return on assets | 1.4579% | 1,529 |
| Return on Equity (ROE) | 12.2284% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.2284% | 323 |
| Net charge-offs to loans | 0.3133% | 4,081 |
| Credit loss provision to net charge-offs | 115.2959% | 4,405 |
| Earnings coverage of net charge-offs (x) | 6.8202% | 2,537 |
| Efficiency ratio | 62.2112% | 6,069 |
| Assets per employee ($millions) | 3.7706% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 3,874 |
| Loan loss allowance to noncurrent loans | 323.8843% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 5,985 |
| Noncurrent loans to loans | 0.4363% | 6,459 |
| Net loans and leases to total assets | 73.6092% | 2,641 |
| Net loans and leases to deposits | 96.6042% | 1,501 |
| Net loans and leases to core deposits | 126.7442% | 1,683 |
| Total domestic deposits to total assets | 76.1967% | 6,550 |
| Equity capital to assets | 8.9618% | 5,535 |
| Core capital (leverage) ratio | 8.1546% | 6,095 |
| Tier 1 risk-based capital ratio | 9.6654% | 7,266 |
| Total risk-based capital ratio | 10.9119% | 7,228 |
| Memoranda: | ||
| Average total assets | $733,199,500 | 938 |
| Average earning assets | $675,079,500 | 931 |
| Average equity | $62,508,500 | 1,069 |
| Average total loans | $553,583,000 | 883 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 2,933 |
| Cost of funding earning assets | 2.1388% | 3,095 |
| Net interest margin | 3.6863% | 4,011 |
| Noninterest income to average assets | 0.8217% | 2,307 |
| Noninterest expense to average assets | 2.7356% | 5,239 |
| Loan and lease loss provision to assets | 0.2466% | 4,609 |
| Net operating income to assets | 0.8955% | 2,472 |
| Return on assets (ROA) | 0.9693% | 2,312 |
| Pretax return on assets | 1.3304% | 1,935 |
| Return on Equity (ROE) | 11.5707% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.5707% | 496 |
| Net charge-offs to loans | 0.3102% | 3,639 |
| Credit loss provision to net charge-offs | 104.8951% | 4,383 |
| Earnings coverage of net charge-offs (x) | 6.2786% | 2,651 |
| Efficiency ratio | 64.5719% | 5,792 |
| Assets per employee ($millions) | 3.7331% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 3,837 |
| Loan loss allowance to noncurrent loans | 364.5467% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 6,052 |
| Noncurrent loans to loans | 0.3784% | 6,563 |
| Net loans and leases to total assets | 74.6653% | 2,526 |
| Net loans and leases to deposits | 96.2976% | 1,747 |
| Net loans and leases to core deposits | 127.1623% | 1,772 |
| Total domestic deposits to total assets | 77.5360% | 6,193 |
| Equity capital to assets | 8.4223% | 6,163 |
| Core capital (leverage) ratio | 7.9163% | 6,463 |
| Tier 1 risk-based capital ratio | 9.4704% | 7,416 |
| Total risk-based capital ratio | 10.6868% | 7,402 |
| Memoranda: | ||
| Average total assets | $729,994,000 | 953 |
| Average earning assets | $671,305,000 | 946 |
| Average equity | $61,154,670 | 1,118 |
| Average total loans | $553,237,670 | 904 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7632% | 3,465 |
| Cost of funding earning assets | 2.2799% | 2,791 |
| Net interest margin | 3.4833% | 4,795 |
| Noninterest income to average assets | 0.7766% | 2,450 |
| Noninterest expense to average assets | 2.5921% | 5,490 |
| Loan and lease loss provision to assets | 0.2475% | 3,994 |
| Net operating income to assets | 0.8217% | 3,036 |
| Return on assets (ROA) | 0.8811% | 2,930 |
| Pretax return on assets | 1.2177% | 2,559 |
| Return on Equity (ROE) | 10.5461% | 2,108 |
| Retained earnings to average equity (ytd only) | 10.5461% | 1,064 |
| Net charge-offs to loans | 0.4867% | 2,240 |
| Credit loss provision to net charge-offs | 67.0641% | 4,400 |
| Earnings coverage of net charge-offs (x) | 3.7466% | 3,079 |
| Efficiency ratio | 64.7987% | 5,544 |
| Assets per employee ($millions) | 3.6857% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 3,908 |
| Loan loss allowance to noncurrent loans | 452.5930% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 5,929 |
| Noncurrent loans to loans | 0.2943% | 6,706 |
| Net loans and leases to total assets | 74.9298% | 2,519 |
| Net loans and leases to deposits | 96.0134% | 1,945 |
| Net loans and leases to core deposits | 129.0136% | 1,715 |
| Total domestic deposits to total assets | 78.0410% | 6,004 |
| Equity capital to assets | 8.3452% | 6,319 |
| Core capital (leverage) ratio | 7.6511% | 6,949 |
| Tier 1 risk-based capital ratio | 9.2683% | 7,613 |
| Total risk-based capital ratio | 10.5085% | 7,601 |
| Memoranda: | ||
| Average total assets | $727,276,000 | 962 |
| Average earning assets | $667,751,500 | 955 |
| Average equity | $60,762,000 | 1,129 |
| Average total loans | $551,460,500 | 912 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5255% | 2,838 |
| Cost of funding earning assets | 2.8106% | 2,657 |
| Net interest margin | 3.7148% | 4,402 |
| Noninterest income to average assets | 0.8154% | 2,428 |
| Noninterest expense to average assets | 2.7097% | 5,228 |
| Loan and lease loss provision to assets | 0.4141% | 3,212 |
| Net operating income to assets | 1.0556% | 2,330 |
| Return on assets (ROA) | 0.3440% | 5,197 |
| Pretax return on assets | 0.3665% | 5,339 |
| Return on Equity (ROE) | 4.3335% | 4,669 |
| Retained earnings to average equity (ytd only) | 4.3335% | 2,425 |
| Net charge-offs to loans | 0.2481% | 3,790 |
| Credit loss provision to net charge-offs | 219.4093% | 2,190 |
| Earnings coverage of net charge-offs (x) | 8.1468% | 2,930 |
| Efficiency ratio | 63.6343% | 5,637 |
| Assets per employee ($millions) | 3.6980% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 3,202 |
| Loan loss allowance to noncurrent loans | 342.4025% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 5,499 |
| Noncurrent loans to loans | 0.4087% | 6,116 |
| Net loans and leases to total assets | 74.6485% | 2,956 |
| Net loans and leases to deposits | 97.4701% | 2,202 |
| Net loans and leases to core deposits | 128.1333% | 1,990 |
| Total domestic deposits to total assets | 76.5860% | 6,100 |
| Equity capital to assets | 8.3644% | 6,318 |
| Core capital (leverage) ratio | 7.6096% | 7,065 |
| Tier 1 risk-based capital ratio | 9.3289% | 7,490 |
| Total risk-based capital ratio | 10.5797% | 7,413 |
| Memoranda: | ||
| Average total assets | $627,897,800 | 1,068 |
| Average earning assets | $580,051,000 | 1,064 |
| Average equity | $49,844,400 | 1,361 |
| Average total loans | $477,677,400 | 1,011 |