Home > The City National Bank and Trust Company of Lawton, Oklahoma > Performance and Condition Ratios
The City National Bank and Trust Company of Lawton, Oklahoma, Performance and Condition Ratios
| 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 | 5.1408% | 2,782 |
| Cost of funding earning assets | 1.1650% | 3,861 |
| Net interest margin | 3.9757% | 1,175 |
| Noninterest income to average assets | 7.3600% | 106 |
| Noninterest expense to average assets | 9.0432% | 121 |
| Loan and lease loss provision to assets | 0.2900% | 363 |
| Net operating income to assets | 1.5473% | 881 |
| Return on assets (ROA) | 1.5570% | 861 |
| Pretax return on assets | 1.5570% | 1,222 |
| Return on Equity (ROE) | 12.7300% | 1,434 |
| Retained earnings to average equity (ytd only) | 3.1976% | 3,105 |
| Net charge-offs to loans | 0.2661% | 473 |
| Credit loss provision to net charge-offs | 141.0296% | 1,343 |
| Earnings coverage of net charge-offs (x) | 9.4462% | 2,164 |
| Efficiency ratio | 83.1436% | 873 |
| Assets per employee ($millions) | 1.2321% | 4,416 |
| Cash dividends to net income (ytd only)* | 74.8736% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9329% | 447 |
| Loan loss allowance to noncurrent loans | 180.6265% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 2.5223% | 121 |
| Noncurrent loans to loans | 1.0701% | 932 |
| Net loans and leases to total assets | 71.8300% | 1,629 |
| Net loans and leases to deposits | 86.0127% | 1,644 |
| Net loans and leases to core deposits | 92.6753% | 1,970 |
| Total domestic deposits to total assets | 83.5200% | 2,718 |
| Equity capital to assets | 12.4831% | 1,113 |
| Core capital (leverage) ratio | 13.2303% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $440,334,750 | 1,928 |
| Average earning assets | $390,021,500 | 1,980 |
| Average equity | $53,873,000 | 1,626 |
| Average total loans | $321,212,250 | 1,779 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 2,877 |
| Cost of funding earning assets | 1.0685% | 3,946 |
| Net interest margin | 3.9735% | 1,151 |
| Noninterest income to average assets | 7.2900% | 113 |
| Noninterest expense to average assets | 9.0454% | 122 |
| Loan and lease loss provision to assets | 0.2500% | 416 |
| Net operating income to assets | 1.5133% | 892 |
| Return on assets (ROA) | 1.5133% | 895 |
| Pretax return on assets | 1.5133% | 1,256 |
| Return on Equity (ROE) | 12.4500% | 1,502 |
| Retained earnings to average equity (ytd only) | 3.1124% | 3,007 |
| Net charge-offs to loans | 0.1920% | 563 |
| Credit loss provision to net charge-offs | 167.8571% | 1,134 |
| Earnings coverage of net charge-offs (x) | 12.6071% | 1,886 |
| Efficiency ratio | 83.6883% | 881 |
| Assets per employee ($millions) | 1.2424% | 4,430 |
| Cash dividends to net income (ytd only)* | 75.0075% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8891% | 484 |
| Loan loss allowance to noncurrent loans | 260.7943% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 2.2705% | 139 |
| Noncurrent loans to loans | 0.7244% | 1,295 |
| Net loans and leases to total assets | 72.6900% | 1,570 |
| Net loans and leases to deposits | 86.6870% | 1,593 |
| Net loans and leases to core deposits | 92.2292% | 1,991 |
| Total domestic deposits to total assets | 83.8500% | 2,654 |
| Equity capital to assets | 12.1842% | 1,105 |
| Core capital (leverage) ratio | 13.2120% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $440,488,333 | 1,921 |
| Average earning assets | $390,079,667 | 1,976 |
| Average equity | $53,527,333 | 1,610 |
| Average total loans | $320,879,333 | 1,780 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 2,907 |
| Cost of funding earning assets | 0.9617% | 4,024 |
| Net interest margin | 3.9779% | 1,121 |
| Noninterest income to average assets | 7.2400% | 104 |
| Noninterest expense to average assets | 9.1530% | 122 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 1.4630% | 956 |
| Return on assets (ROA) | 1.4630% | 965 |
| Pretax return on assets | 1.4630% | 1,322 |
| Return on Equity (ROE) | 12.0600% | 1,553 |
| Retained earnings to average equity (ytd only) | 3.0699% | 2,964 |
| Net charge-offs to loans | 0.0679% | 909 |
| Credit loss provision to net charge-offs | 348.1481% | 613 |
| Earnings coverage of net charge-offs (x) | 32.8148% | 1,142 |
| Efficiency ratio | 85.0401% | 834 |
| Assets per employee ($millions) | 1.2216% | 4,462 |
| Cash dividends to net income (ytd only)* | 74.5342% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9207% | 437 |
| Loan loss allowance to noncurrent loans | 769.1047% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 1.8706% | 183 |
| Noncurrent loans to loans | 0.2497% | 2,425 |
| Net loans and leases to total assets | 70.2300% | 1,783 |
| Net loans and leases to deposits | 83.6999% | 1,738 |
| Net loans and leases to core deposits | 89.7317% | 2,059 |
| Total domestic deposits to total assets | 83.9100% | 2,737 |
| Equity capital to assets | 12.0574% | 1,106 |
| Core capital (leverage) ratio | 13.2757% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $440,205,000 | 1,926 |
| Average earning assets | $390,155,000 | 1,981 |
| Average equity | $53,421,500 | 1,601 |
| Average total loans | $317,934,000 | 1,777 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7626% | 2,552 |
| Cost of funding earning assets | 0.8347% | 3,650 |
| Net interest margin | 3.9279% | 1,318 |
| Noninterest income to average assets | 7.4200% | 101 |
| Noninterest expense to average assets | 8.8536% | 125 |
| Loan and lease loss provision to assets | 0.3300% | 321 |
| Net operating income to assets | 1.7368% | 684 |
| Return on assets (ROA) | 1.7368% | 653 |
| Pretax return on assets | 1.7368% | 997 |
| Return on Equity (ROE) | 15.7300% | 1,151 |
| Retained earnings to average equity (ytd only) | 3.9377% | 2,980 |
| Net charge-offs to loans | 0.3350% | 325 |
| Credit loss provision to net charge-offs | 134.5317% | 1,561 |
| Earnings coverage of net charge-offs (x) | 8.6925% | 2,328 |
| Efficiency ratio | 81.1036% | 843 |
| Assets per employee ($millions) | 1.2172% | 4,477 |
| Cash dividends to net income (ytd only)* | 74.9741% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 466 |
| Loan loss allowance to noncurrent loans | 654.0570% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 2,181 |
| Noncurrent loans to loans | 0.2865% | 2,151 |
| Net loans and leases to total assets | 71.4800% | 1,641 |
| Net loans and leases to deposits | 85.3967% | 1,660 |
| Net loans and leases to core deposits | 91.5076% | 1,948 |
| Total domestic deposits to total assets | 83.7100% | 2,699 |
| Equity capital to assets | 12.2149% | 1,060 |
| Core capital (leverage) ratio | 12.8831% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6906% | 821 |
| Memoranda: | ||
| Average total assets | $445,413,400 | 1,874 |
| Average earning assets | $396,903,600 | 1,917 |
| Average equity | $49,165,800 | 1,631 |
| Average total loans | $315,568,400 | 1,740 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6308% | 2,606 |
| Cost of funding earning assets | 0.7658% | 3,618 |
| Net interest margin | 3.8650% | 1,470 |
| Noninterest income to average assets | 7.4200% | 101 |
| Noninterest expense to average assets | 8.7966% | 125 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 1.7479% | 730 |
| Return on assets (ROA) | 1.7479% | 716 |
| Pretax return on assets | 1.7479% | 1,088 |
| Return on Equity (ROE) | 16.2600% | 1,210 |
| Retained earnings to average equity (ytd only) | 3.7882% | 3,313 |
| Net charge-offs to loans | 0.3176% | 279 |
| Credit loss provision to net charge-offs | 137.8667% | 1,373 |
| Earnings coverage of net charge-offs (x) | 9.2347% | 2,170 |
| Efficiency ratio | 80.9997% | 805 |
| Assets per employee ($millions) | 1.2674% | 4,504 |
| Cash dividends to net income (ytd only)* | 76.7002% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 483 |
| Loan loss allowance to noncurrent loans | 704.7904% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 2,373 |
| Noncurrent loans to loans | 0.2677% | 2,282 |
| Net loans and leases to total assets | 67.0700% | 2,156 |
| Net loans and leases to deposits | 79.0129% | 2,140 |
| Net loans and leases to core deposits | 83.4069% | 2,364 |
| Total domestic deposits to total assets | 84.8900% | 2,534 |
| Equity capital to assets | 10.3798% | 1,606 |
| Core capital (leverage) ratio | 12.4819% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9347% | 822 |
| Memoranda: | ||
| Average total assets | $447,523,250 | 1,862 |
| Average earning assets | $397,817,750 | 1,913 |
| Average equity | $48,113,250 | 1,641 |
| Average total loans | $314,878,000 | 1,744 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 2,530 |
| Cost of funding earning assets | 0.6967% | 3,497 |
| Net interest margin | 3.8515% | 1,520 |
| Noninterest income to average assets | 7.4700% | 99 |
| Noninterest expense to average assets | 8.7123% | 123 |
| Loan and lease loss provision to assets | 0.3000% | 309 |
| Net operating income to assets | 1.8605% | 599 |
| Return on assets (ROA) | 1.8605% | 593 |
| Pretax return on assets | 1.8605% | 917 |
| Return on Equity (ROE) | 17.1000% | 1,086 |
| Retained earnings to average equity (ytd only) | 4.2841% | 3,134 |
| Net charge-offs to loans | 0.3046% | 275 |
| Credit loss provision to net charge-offs | 132.8482% | 1,273 |
| Earnings coverage of net charge-offs (x) | 9.9958% | 2,004 |
| Efficiency ratio | 80.1125% | 832 |
| Assets per employee ($millions) | 1.3266% | 4,533 |
| Cash dividends to net income (ytd only)* | 74.9516% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 555 |
| Loan loss allowance to noncurrent loans | 629.2896% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 2,179 |
| Noncurrent loans to loans | 0.2919% | 2,088 |
| Net loans and leases to total assets | 68.0100% | 1,956 |
| Net loans and leases to deposits | 80.6075% | 1,928 |
| Net loans and leases to core deposits | 84.6245% | 2,168 |
| Total domestic deposits to total assets | 84.3700% | 2,735 |
| Equity capital to assets | 10.8227% | 1,454 |
| Core capital (leverage) ratio | 12.7066% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8362% | 838 |
| Memoranda: | ||
| Average total assets | $444,613,667 | 1,876 |
| Average earning assets | $393,306,000 | 1,935 |
| Average equity | $48,365,000 | 1,640 |
| Average total loans | $315,867,667 | 1,722 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 2,458 |
| Cost of funding earning assets | 0.6755% | 3,137 |
| Net interest margin | 3.7565% | 1,777 |
| Noninterest income to average assets | 7.4700% | 105 |
| Noninterest expense to average assets | 8.6038% | 128 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 1.9086% | 563 |
| Return on assets (ROA) | 1.9086% | 558 |
| Pretax return on assets | 1.9086% | 901 |
| Return on Equity (ROE) | 17.5000% | 1,101 |
| Retained earnings to average equity (ytd only) | 4.1857% | 3,216 |
| Net charge-offs to loans | 0.2826% | 275 |
| Credit loss provision to net charge-offs | 114.2857% | 1,048 |
| Earnings coverage of net charge-offs (x) | 10.7768% | 1,648 |
| Efficiency ratio | 79.7041% | 855 |
| Assets per employee ($millions) | 1.3235% | 4,601 |
| Cash dividends to net income (ytd only)* | 76.0818% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7618% | 704 |
| Loan loss allowance to noncurrent loans | 648.8479% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 1,729 |
| Noncurrent loans to loans | 0.2715% | 2,172 |
| Net loans and leases to total assets | 70.2000% | 1,603 |
| Net loans and leases to deposits | 83.2282% | 1,550 |
| Net loans and leases to core deposits | 88.0448% | 1,738 |
| Total domestic deposits to total assets | 84.3500% | 3,013 |
| Equity capital to assets | 10.8820% | 1,386 |
| Core capital (leverage) ratio | 12.6672% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4366% | 918 |
| Memoranda: | ||
| Average total assets | $440,733,000 | 1,906 |
| Average earning assets | $389,613,000 | 1,973 |
| Average equity | $48,068,000 | 1,656 |
| Average total loans | $317,090,000 | 1,734 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2018% | 1,241 |
| Cost of funding earning assets | 0.2750% | 3,098 |
| Net interest margin | 3.9268% | 903 |
| Noninterest income to average assets | 7.9500% | 110 |
| Noninterest expense to average assets | 9.2046% | 114 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 1.9029% | 351 |
| Return on assets (ROA) | 1.9102% | 338 |
| Pretax return on assets | 1.9102% | 571 |
| Return on Equity (ROE) | 16.4900% | 964 |
| Retained earnings to average equity (ytd only) | 4.1234% | 3,360 |
| Net charge-offs to loans | 0.3143% | 239 |
| Credit loss provision to net charge-offs | 159.4505% | 1,263 |
| Earnings coverage of net charge-offs (x) | 10.5714% | 2,189 |
| Efficiency ratio | 80.4209% | 686 |
| Assets per employee ($millions) | 1.2882% | 4,636 |
| Cash dividends to net income (ytd only)* | 75.0000% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 682 |
| Loan loss allowance to noncurrent loans | 593.8494% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 1,578 |
| Noncurrent loans to loans | 0.2998% | 2,066 |
| Net loans and leases to total assets | 71.1600% | 1,506 |
| Net loans and leases to deposits | 84.8807% | 1,399 |
| Net loans and leases to core deposits | 90.2517% | 1,491 |
| Total domestic deposits to total assets | 83.8300% | 3,245 |
| Equity capital to assets | 10.9315% | 1,286 |
| Core capital (leverage) ratio | 12.9468% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3165% | 927 |
| Memoranda: | ||
| Average total assets | $429,283,400 | 1,925 |
| Average earning assets | $381,790,800 | 1,980 |
| Average equity | $49,716,600 | 1,632 |
| Average total loans | $289,486,800 | 1,773 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 1,096 |
| Cost of funding earning assets | 0.1930% | 3,357 |
| Net interest margin | 3.8882% | 822 |
| Noninterest income to average assets | 8.0300% | 112 |
| Noninterest expense to average assets | 9.2742% | 114 |
| Loan and lease loss provision to assets | 0.3400% | 190 |
| Net operating income to assets | 1.8806% | 359 |
| Return on assets (ROA) | 1.8887% | 348 |
| Pretax return on assets | 1.8887% | 599 |
| Return on Equity (ROE) | 16.0800% | 957 |
| Retained earnings to average equity (ytd only) | 4.1472% | 3,391 |
| Net charge-offs to loans | 0.3239% | 201 |
| Credit loss provision to net charge-offs | 158.2849% | 1,102 |
| Earnings coverage of net charge-offs (x) | 10.3590% | 1,987 |
| Efficiency ratio | 80.6872% | 728 |
| Assets per employee ($millions) | 1.2737% | 4,672 |
| Cash dividends to net income (ytd only)* | 74.2084% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 754 |
| Loan loss allowance to noncurrent loans | 362.0690% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 993 |
| Noncurrent loans to loans | 0.4927% | 1,571 |
| Net loans and leases to total assets | 69.6300% | 1,509 |
| Net loans and leases to deposits | 80.6926% | 1,546 |
| Net loans and leases to core deposits | 82.8517% | 1,719 |
| Total domestic deposits to total assets | 86.2900% | 2,988 |
| Equity capital to assets | 10.9415% | 1,201 |
| Core capital (leverage) ratio | 12.9889% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1450% | 840 |
| Memoranda: | ||
| Average total assets | $428,071,250 | 1,940 |
| Average earning assets | $381,354,000 | 1,994 |
| Average equity | $50,281,500 | 1,641 |
| Average total loans | $283,231,250 | 1,794 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 876 |
| Cost of funding earning assets | 0.1395% | 3,717 |
| Net interest margin | 3.8995% | 602 |
| Noninterest income to average assets | 8.0359% | 71 |
| Noninterest expense to average assets | 9.3357% | 78 |
| Loan and lease loss provision to assets | 0.2910% | 226 |
| Net operating income to assets | 1.8672% | 288 |
| Return on assets (ROA) | 1.8794% | 280 |
| Pretax return on assets | 1.8794% | 488 |
| Return on Equity (ROE) | 15.6392% | 764 |
| Retained earnings to average equity (ytd only) | 3.9420% | 3,102 |
| Net charge-offs to loans | 0.2445% | 263 |
| Credit loss provision to net charge-offs | 184.2730% | 1,009 |
| Earnings coverage of net charge-offs (x) | 13.6677% | 1,683 |
| Efficiency ratio | 81.2230% | 856 |
| Assets per employee ($millions) | 1.2387% | 4,727 |
| Cash dividends to net income (ytd only)* | 74.7943% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8072% | 808 |
| Loan loss allowance to noncurrent loans | 531.1133% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 1,292 |
| Noncurrent loans to loans | 0.3403% | 2,123 |
| Net loans and leases to total assets | 69.3387% | 1,365 |
| Net loans and leases to deposits | 82.9090% | 1,189 |
| Net loans and leases to core deposits | 84.4452% | 1,426 |
| Total domestic deposits to total assets | 83.6323% | 3,767 |
| Equity capital to assets | 11.6451% | 982 |
| Core capital (leverage) ratio | 13.0383% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5476% | 780 |
| Memoranda: | ||
| Average total assets | $426,835,333 | 1,950 |
| Average earning assets | $378,513,333 | 2,029 |
| Average equity | $51,294,333 | 1,649 |
| Average total loans | $275,609,000 | 1,824 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8523% | 995 |
| Cost of funding earning assets | 0.1229% | 3,866 |
| Net interest margin | 3.7294% | 708 |
| Noninterest income to average assets | 7.8364% | 73 |
| Noninterest expense to average assets | 9.0088% | 80 |
| Loan and lease loss provision to assets | 0.2543% | 253 |
| Net operating income to assets | 1.8695% | 288 |
| Return on assets (ROA) | 1.8695% | 286 |
| Pretax return on assets | 1.8695% | 471 |
| Return on Equity (ROE) | 15.3262% | 610 |
| Retained earnings to average equity (ytd only) | 3.9115% | 2,965 |
| Net charge-offs to loans | 0.2063% | 296 |
| Credit loss provision to net charge-offs | 200.0000% | 773 |
| Earnings coverage of net charge-offs (x) | 16.7007% | 1,331 |
| Efficiency ratio | 80.9222% | 1,079 |
| Assets per employee ($millions) | 1.2317% | 4,753 |
| Cash dividends to net income (ytd only)* | 74.4786% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9367% | 692 |
| Loan loss allowance to noncurrent loans | 462.2776% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 1,319 |
| Noncurrent loans to loans | 0.4189% | 1,987 |
| Net loans and leases to total assets | 62.2787% | 1,830 |
| Net loans and leases to deposits | 72.6519% | 1,732 |
| Net loans and leases to core deposits | 73.7899% | 1,959 |
| Total domestic deposits to total assets | 85.7221% | 3,336 |
| Equity capital to assets | 12.0017% | 955 |
| Core capital (leverage) ratio | 12.6216% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5968% | 683 |
| Memoranda: | ||
| Average total assets | $430,911,000 | 1,947 |
| Average earning assets | $380,862,500 | 2,025 |
| Average equity | $52,563,500 | 1,662 |
| Average total loans | $265,587,000 | 1,855 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 2,007 |
| Cost of funding earning assets | 0.1357% | 4,109 |
| Net interest margin | 3.6039% | 1,457 |
| Noninterest income to average assets | 7.7519% | 82 |
| Noninterest expense to average assets | 9.0096% | 85 |
| Loan and lease loss provision to assets | 0.1886% | 590 |
| Net operating income to assets | 1.6967% | 634 |
| Return on assets (ROA) | 1.7367% | 609 |
| Pretax return on assets | 1.7367% | 1,053 |
| Return on Equity (ROE) | 14.7513% | 1,007 |
| Retained earnings to average equity (ytd only) | 3.6888% | 3,346 |
| Net charge-offs to loans | 0.1532% | 626 |
| Credit loss provision to net charge-offs | 219.3211% | 1,255 |
| Earnings coverage of net charge-offs (x) | 21.9217% | 1,809 |
| Efficiency ratio | 82.6954% | 634 |
| Assets per employee ($millions) | 1.3076% | 4,795 |
| Cash dividends to net income (ytd only)* | 74.9935% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 694 |
| Loan loss allowance to noncurrent loans | 399.2897% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 1,527 |
| Noncurrent loans to loans | 0.4820% | 1,921 |
| Net loans and leases to total assets | 58.6798% | 2,309 |
| Net loans and leases to deposits | 68.7299% | 2,243 |
| Net loans and leases to core deposits | 70.0201% | 2,442 |
| Total domestic deposits to total assets | 85.3773% | 3,146 |
| Equity capital to assets | 12.3872% | 1,095 |
| Core capital (leverage) ratio | 11.6976% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8743% | 669 |
| Memoranda: | ||
| Average total assets | $445,334,200 | 1,853 |
| Average earning assets | $388,383,800 | 1,941 |
| Average equity | $52,429,400 | 1,693 |
| Average total loans | $249,990,400 | 1,924 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 2,249 |
| Cost of funding earning assets | 0.1353% | 4,228 |
| Net interest margin | 3.5748% | 1,663 |
| Noninterest income to average assets | 7.6547% | 85 |
| Noninterest expense to average assets | 9.0906% | 86 |
| Loan and lease loss provision to assets | 0.1343% | 853 |
| Net operating income to assets | 1.5278% | 1,204 |
| Return on assets (ROA) | 1.5809% | 1,125 |
| Pretax return on assets | 1.5809% | 1,763 |
| Return on Equity (ROE) | 13.6025% | 1,518 |
| Retained earnings to average equity (ytd only) | 3.5893% | 3,717 |
| Net charge-offs to loans | 0.0519% | 1,142 |
| Credit loss provision to net charge-offs | 468.7500% | 790 |
| Earnings coverage of net charge-offs (x) | 58.0208% | 1,150 |
| Efficiency ratio | 84.5428% | 494 |
| Assets per employee ($millions) | 1.3305% | 4,867 |
| Cash dividends to net income (ytd only)* | 73.6127% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 775 |
| Loan loss allowance to noncurrent loans | 370.9581% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 1,785 |
| Noncurrent loans to loans | 0.5116% | 2,027 |
| Net loans and leases to total assets | 54.6969% | 2,882 |
| Net loans and leases to deposits | 64.1479% | 2,837 |
| Net loans and leases to core deposits | 65.0447% | 3,040 |
| Total domestic deposits to total assets | 85.2669% | 3,027 |
| Equity capital to assets | 11.2193% | 1,875 |
| Core capital (leverage) ratio | 11.5202% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1225% | 794 |
| Memoranda: | ||
| Average total assets | $446,826,250 | 1,869 |
| Average earning assets | $387,217,000 | 1,963 |
| Average equity | $51,930,500 | 1,726 |
| Average total loans | $246,768,500 | 1,979 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6213% | 2,557 |
| Cost of funding earning assets | 0.1342% | 4,321 |
| Net interest margin | 3.4872% | 1,894 |
| Noninterest income to average assets | 7.6491% | 82 |
| Noninterest expense to average assets | 9.2162% | 81 |
| Loan and lease loss provision to assets | 0.0955% | 1,314 |
| Net operating income to assets | 1.3406% | 1,743 |
| Return on assets (ROA) | 1.3406% | 1,820 |
| Pretax return on assets | 1.3406% | 2,517 |
| Return on Equity (ROE) | 11.3946% | 2,268 |
| Retained earnings to average equity (ytd only) | 1.7283% | 4,184 |
| Net charge-offs to loans | -0.0653% | 4,467 |
| Credit loss provision to net charge-offs | -265.8228% | 3,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5183% | 453 |
| Assets per employee ($millions) | 1.2166% | 4,910 |
| Cash dividends to net income (ytd only)* | 84.8320% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9617% | 654 |
| Loan loss allowance to noncurrent loans | 390.6550% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 1,932 |
| Noncurrent loans to loans | 0.5022% | 2,172 |
| Net loans and leases to total assets | 54.4460% | 3,088 |
| Net loans and leases to deposits | 64.0823% | 2,994 |
| Net loans and leases to core deposits | 65.0197% | 3,192 |
| Total domestic deposits to total assets | 84.9626% | 3,112 |
| Equity capital to assets | 11.5498% | 1,599 |
| Core capital (leverage) ratio | 11.3241% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4828% | 758 |
| Memoranda: | ||
| Average total assets | $439,659,000 | 1,879 |
| Average earning assets | $378,645,667 | 1,980 |
| Average equity | $51,726,333 | 1,725 |
| Average total loans | $241,985,667 | 2,019 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5518% | 2,782 |
| Cost of funding earning assets | 0.1320% | 4,443 |
| Net interest margin | 3.4198% | 2,057 |
| Noninterest income to average assets | 7.7082% | 90 |
| Noninterest expense to average assets | 8.7022% | 86 |
| Loan and lease loss provision to assets | 0.0965% | 1,393 |
| Net operating income to assets | 1.8399% | 732 |
| Return on assets (ROA) | 1.8399% | 787 |
| Pretax return on assets | 1.8399% | 1,219 |
| Return on Equity (ROE) | 15.4926% | 1,112 |
| Retained earnings to average equity (ytd only) | 3.8789% | 3,539 |
| Net charge-offs to loans | -0.2182% | 4,798 |
| Credit loss provision to net charge-offs | -80.7692% | 2,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7978% | 711 |
| Assets per employee ($millions) | 1.2097% | 4,937 |
| Cash dividends to net income (ytd only)* | 74.9625% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0403% | 549 |
| Loan loss allowance to noncurrent loans | 314.0909% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 1,971 |
| Noncurrent loans to loans | 0.6496% | 1,946 |
| Net loans and leases to total assets | 50.9201% | 3,546 |
| Net loans and leases to deposits | 59.6863% | 3,508 |
| Net loans and leases to core deposits | 60.5942% | 3,664 |
| Total domestic deposits to total assets | 85.3130% | 2,995 |
| Equity capital to assets | 11.3231% | 1,643 |
| Core capital (leverage) ratio | 12.2827% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6096% | 618 |
| Memoranda: | ||
| Average total assets | $435,017,500 | 1,884 |
| Average earning assets | $372,767,500 | 1,989 |
| Average equity | $51,663,500 | 1,717 |
| Average total loans | $238,317,500 | 2,043 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 1,825 |
| Cost of funding earning assets | 0.2160% | 4,524 |
| Net interest margin | 4.0995% | 786 |
| Noninterest income to average assets | 8.3031% | 83 |
| Noninterest expense to average assets | 9.6908% | 76 |
| Loan and lease loss provision to assets | 0.3898% | 821 |
| Net operating income to assets | 1.7186% | 475 |
| Return on assets (ROA) | 1.7225% | 511 |
| Pretax return on assets | 1.7225% | 815 |
| Return on Equity (ROE) | 13.0716% | 1,026 |
| Retained earnings to average equity (ytd only) | 2.9149% | 3,412 |
| Net charge-offs to loans | 0.4471% | 373 |
| Credit loss provision to net charge-offs | 147.0588% | 2,441 |
| Earnings coverage of net charge-offs (x) | 7.9539% | 2,647 |
| Efficiency ratio | 82.1307% | 743 |
| Assets per employee ($millions) | 1.0454% | 4,962 |
| Cash dividends to net income (ytd only)* | 77.7007% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9210% | 691 |
| Loan loss allowance to noncurrent loans | 293.6822% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 1,702 |
| Noncurrent loans to loans | 0.6541% | 2,046 |
| Net loans and leases to total assets | 56.7595% | 3,225 |
| Net loans and leases to deposits | 67.5954% | 3,121 |
| Net loans and leases to core deposits | 68.7486% | 3,351 |
| Total domestic deposits to total assets | 83.9695% | 3,122 |
| Equity capital to assets | 12.8984% | 1,133 |
| Core capital (leverage) ratio | 13.0583% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8273% | 598 |
| Memoranda: | ||
| Average total assets | $384,785,800 | 1,909 |
| Average earning assets | $328,165,600 | 2,036 |
| Average equity | $50,705,400 | 1,673 |
| Average total loans | $228,154,600 | 2,045 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 1,791 |
| Cost of funding earning assets | 0.2389% | 4,539 |
| Net interest margin | 4.1848% | 758 |
| Noninterest income to average assets | 8.3843% | 77 |
| Noninterest expense to average assets | 9.8105% | 78 |
| Loan and lease loss provision to assets | 0.3870% | 940 |
| Net operating income to assets | 1.7441% | 520 |
| Return on assets (ROA) | 1.7494% | 575 |
| Pretax return on assets | 1.7494% | 872 |
| Return on Equity (ROE) | 13.1990% | 1,053 |
| Retained earnings to average equity (ytd only) | 3.7388% | 3,174 |
| Net charge-offs to loans | 0.4314% | 367 |
| Credit loss provision to net charge-offs | 150.3429% | 2,322 |
| Earnings coverage of net charge-offs (x) | 8.2771% | 2,511 |
| Efficiency ratio | 82.1532% | 726 |
| Assets per employee ($millions) | 1.0201% | 4,994 |
| Cash dividends to net income (ytd only)* | 71.6737% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 592 |
| Loan loss allowance to noncurrent loans | 283.5755% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 1,808 |
| Noncurrent loans to loans | 0.6685% | 2,114 |
| Net loans and leases to total assets | 57.6482% | 3,452 |
| Net loans and leases to deposits | 68.6296% | 3,421 |
| Net loans and leases to core deposits | 69.7070% | 3,643 |
| Total domestic deposits to total assets | 83.9991% | 2,823 |
| Equity capital to assets | 12.8654% | 1,243 |
| Core capital (leverage) ratio | 12.9774% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9593% | 593 |
| Memoranda: | ||
| Average total assets | $377,490,750 | 1,914 |
| Average earning assets | $320,896,750 | 2,054 |
| Average equity | $50,033,000 | 1,683 |
| Average total loans | $225,301,500 | 2,062 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 1,656 |
| Cost of funding earning assets | 0.2714% | 4,561 |
| Net interest margin | 4.3219% | 715 |
| Noninterest income to average assets | 8.4536% | 72 |
| Noninterest expense to average assets | 10.0346% | 75 |
| Loan and lease loss provision to assets | 0.3930% | 1,037 |
| Net operating income to assets | 1.6775% | 641 |
| Return on assets (ROA) | 1.6856% | 693 |
| Pretax return on assets | 1.6856% | 1,033 |
| Return on Equity (ROE) | 12.5835% | 1,200 |
| Retained earnings to average equity (ytd only) | 2.9941% | 3,394 |
| Net charge-offs to loans | 0.4317% | 371 |
| Credit loss provision to net charge-offs | 151.6736% | 2,116 |
| Earnings coverage of net charge-offs (x) | 7.9916% | 2,327 |
| Efficiency ratio | 82.8960% | 702 |
| Assets per employee ($millions) | 0.9723% | 5,026 |
| Cash dividends to net income (ytd only)* | 76.2058% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 583 |
| Loan loss allowance to noncurrent loans | 181.5123% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.8501% | 1,459 |
| Noncurrent loans to loans | 1.0230% | 1,520 |
| Net loans and leases to total assets | 57.3643% | 3,569 |
| Net loans and leases to deposits | 68.0620% | 3,560 |
| Net loans and leases to core deposits | 69.1270% | 3,771 |
| Total domestic deposits to total assets | 84.2824% | 2,643 |
| Equity capital to assets | 12.6392% | 1,319 |
| Core capital (leverage) ratio | 13.1285% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9039% | 590 |
| Memoranda: | ||
| Average total assets | $369,001,667 | 1,925 |
| Average earning assets | $311,758,000 | 2,064 |
| Average equity | $49,430,000 | 1,689 |
| Average total loans | $221,473,000 | 2,068 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 2,447 |
| Cost of funding earning assets | 0.3440% | 4,538 |
| Net interest margin | 4.1055% | 1,124 |
| Noninterest income to average assets | 9.3076% | 61 |
| Noninterest expense to average assets | 10.6817% | 74 |
| Loan and lease loss provision to assets | 0.5996% | 462 |
| Net operating income to assets | 1.4820% | 818 |
| Return on assets (ROA) | 1.4990% | 861 |
| Pretax return on assets | 1.4990% | 1,308 |
| Return on Equity (ROE) | 10.8407% | 1,460 |
| Retained earnings to average equity (ytd only) | 0.8213% | 3,783 |
| Net charge-offs to loans | 0.8799% | 168 |
| Credit loss provision to net charge-offs | 111.8644% | 1,743 |
| Earnings coverage of net charge-offs (x) | 3.8835% | 2,178 |
| Efficiency ratio | 83.6907% | 849 |
| Assets per employee ($millions) | 0.8402% | 5,078 |
| Cash dividends to net income (ytd only)* | 92.4242% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 566 |
| Loan loss allowance to noncurrent loans | 170.4610% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9588% | 1,388 |
| Noncurrent loans to loans | 1.1346% | 1,467 |
| Net loans and leases to total assets | 58.7720% | 3,612 |
| Net loans and leases to deposits | 70.6407% | 3,547 |
| Net loans and leases to core deposits | 71.8923% | 3,768 |
| Total domestic deposits to total assets | 83.1985% | 3,042 |
| Equity capital to assets | 13.6062% | 1,176 |
| Core capital (leverage) ratio | 14.5268% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4997% | 531 |
| Memoranda: | ||
| Average total assets | $352,227,500 | 1,951 |
| Average earning assets | $296,477,000 | 2,098 |
| Average equity | $48,705,500 | 1,701 |
| Average total loans | $214,565,000 | 2,083 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 3,216 |
| Cost of funding earning assets | 0.3265% | 4,667 |
| Net interest margin | 4.0839% | 1,583 |
| Noninterest income to average assets | 9.6625% | 57 |
| Noninterest expense to average assets | 10.5344% | 66 |
| Loan and lease loss provision to assets | 0.6111% | 197 |
| Net operating income to assets | 2.0124% | 340 |
| Return on assets (ROA) | 2.0090% | 356 |
| Pretax return on assets | 2.0090% | 586 |
| Return on Equity (ROE) | 15.3229% | 628 |
| Retained earnings to average equity (ytd only) | 3.2980% | 3,359 |
| Net charge-offs to loans | 1.0609% | 152 |
| Credit loss provision to net charge-offs | 101.0285% | 2,448 |
| Earnings coverage of net charge-offs (x) | 4.3371% | 3,226 |
| Efficiency ratio | 80.0615% | 943 |
| Assets per employee ($millions) | 0.8230% | 5,135 |
| Cash dividends to net income (ytd only)* | 78.4769% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 520 |
| Loan loss allowance to noncurrent loans | 171.4642% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0989% | 1,110 |
| Noncurrent loans to loans | 1.1281% | 1,342 |
| Net loans and leases to total assets | 60.7511% | 3,529 |
| Net loans and leases to deposits | 73.5451% | 3,390 |
| Net loans and leases to core deposits | 74.8016% | 3,657 |
| Total domestic deposits to total assets | 82.6038% | 3,329 |
| Equity capital to assets | 14.0601% | 1,079 |
| Core capital (leverage) ratio | 14.2438% | 867 |
| Tier 1 risk-based capital ratio | 22.8128% | 930 |
| Total risk-based capital ratio | 24.0700% | 913 |
| Memoranda: | ||
| Average total assets | $353,614,600 | 1,897 |
| Average earning assets | $302,648,200 | 2,005 |
| Average equity | $46,362,000 | 1,708 |
| Average total loans | $201,616,400 | 2,155 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 3,619 |
| Cost of funding earning assets | 0.2931% | 4,814 |
| Net interest margin | 4.0213% | 1,865 |
| Noninterest income to average assets | 9.5666% | 61 |
| Noninterest expense to average assets | 10.2876% | 67 |
| Loan and lease loss provision to assets | 0.5846% | 198 |
| Net operating income to assets | 2.1422% | 299 |
| Return on assets (ROA) | 2.1377% | 314 |
| Pretax return on assets | 2.1377% | 508 |
| Return on Equity (ROE) | 16.5947% | 524 |
| Retained earnings to average equity (ytd only) | 3.8754% | 3,463 |
| Net charge-offs to loans | 0.9533% | 155 |
| Credit loss provision to net charge-offs | 109.8522% | 2,092 |
| Earnings coverage of net charge-offs (x) | 5.1239% | 2,947 |
| Efficiency ratio | 79.0481% | 1,009 |
| Assets per employee ($millions) | 0.8504% | 5,215 |
| Cash dividends to net income (ytd only)* | 76.6468% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0689% | 410 |
| Loan loss allowance to noncurrent loans | 174.0558% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 1.0701% | 1,231 |
| Noncurrent loans to loans | 1.1886% | 1,318 |
| Net loans and leases to total assets | 54.8873% | 4,108 |
| Net loans and leases to deposits | 65.5075% | 4,095 |
| Net loans and leases to core deposits | 66.6089% | 4,238 |
| Total domestic deposits to total assets | 83.7878% | 2,901 |
| Equity capital to assets | 13.0216% | 1,611 |
| Core capital (leverage) ratio | 14.2533% | 915 |
| Tier 1 risk-based capital ratio | 22.9808% | 945 |
| Total risk-based capital ratio | 24.2390% | 928 |
| Memoranda: | ||
| Average total assets | $356,019,750 | 1,903 |
| Average earning assets | $305,237,000 | 1,998 |
| Average equity | $45,861,000 | 1,727 |
| Average total loans | $198,745,000 | 2,193 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 3,688 |
| Cost of funding earning assets | 0.2441% | 4,970 |
| Net interest margin | 4.0366% | 1,808 |
| Noninterest income to average assets | 9.4415% | 58 |
| Noninterest expense to average assets | 10.2311% | 67 |
| Loan and lease loss provision to assets | 0.5329% | 212 |
| Net operating income to assets | 2.1360% | 302 |
| Return on assets (ROA) | 2.1298% | 317 |
| Pretax return on assets | 2.1298% | 516 |
| Return on Equity (ROE) | 16.5959% | 511 |
| Retained earnings to average equity (ytd only) | 3.8961% | 3,298 |
| Net charge-offs to loans | 0.6569% | 233 |
| Credit loss provision to net charge-offs | 145.5108% | 1,527 |
| Earnings coverage of net charge-offs (x) | 7.2879% | 2,502 |
| Efficiency ratio | 79.3110% | 1,030 |
| Assets per employee ($millions) | 0.8373% | 5,264 |
| Cash dividends to net income (ytd only)* | 76.5238% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2603% | 310 |
| Loan loss allowance to noncurrent loans | 156.4815% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.3966% | 856 |
| Noncurrent loans to loans | 1.4445% | 1,070 |
| Net loans and leases to total assets | 53.3911% | 4,257 |
| Net loans and leases to deposits | 64.0400% | 4,225 |
| Net loans and leases to core deposits | 65.1524% | 4,354 |
| Total domestic deposits to total assets | 83.3715% | 3,086 |
| Equity capital to assets | 13.1050% | 1,538 |
| Core capital (leverage) ratio | 14.3596% | 865 |
| Tier 1 risk-based capital ratio | 23.8682% | 859 |
| Total risk-based capital ratio | 25.1284% | 839 |
| Memoranda: | ||
| Average total assets | $352,805,670 | 1,924 |
| Average earning assets | $302,281,000 | 2,024 |
| Average equity | $45,276,330 | 1,741 |
| Average total loans | $196,679,330 | 2,214 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 3,601 |
| Cost of funding earning assets | 0.2418% | 5,005 |
| Net interest margin | 4.0436% | 1,707 |
| Noninterest income to average assets | 9.2657% | 57 |
| Noninterest expense to average assets | 10.1448% | 62 |
| Loan and lease loss provision to assets | 0.4988% | 219 |
| Net operating income to assets | 2.0884% | 335 |
| Return on assets (ROA) | 2.0884% | 350 |
| Pretax return on assets | 2.0884% | 538 |
| Return on Equity (ROE) | 16.4499% | 537 |
| Retained earnings to average equity (ytd only) | 4.1170% | 3,270 |
| Net charge-offs to loans | 0.3660% | 426 |
| Credit loss provision to net charge-offs | 241.9890% | 944 |
| Earnings coverage of net charge-offs (x) | 12.5525% | 1,867 |
| Efficiency ratio | 79.6798% | 1,090 |
| Assets per employee ($millions) | 0.8837% | 5,318 |
| Cash dividends to net income (ytd only)* | 74.9727% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2138% | 350 |
| Loan loss allowance to noncurrent loans | 173.0342% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 1.1607% | 1,164 |
| Noncurrent loans to loans | 1.2794% | 1,281 |
| Net loans and leases to total assets | 53.2470% | 4,256 |
| Net loans and leases to deposits | 63.7293% | 4,199 |
| Net loans and leases to core deposits | 64.8247% | 4,336 |
| Total domestic deposits to total assets | 83.5518% | 3,203 |
| Equity capital to assets | 12.5473% | 1,709 |
| Core capital (leverage) ratio | 14.0402% | 939 |
| Tier 1 risk-based capital ratio | 23.6551% | 871 |
| Total risk-based capital ratio | 24.9151% | 848 |
| Memoranda: | ||
| Average total assets | $351,272,500 | 1,944 |
| Average earning assets | $301,115,000 | 2,043 |
| Average equity | $44,596,000 | 1,753 |
| Average total loans | $197,820,000 | 2,224 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1613% | 3,548 |
| Cost of funding earning assets | 0.1862% | 5,056 |
| Net interest margin | 3.9751% | 2,078 |
| Noninterest income to average assets | 9.3857% | 56 |
| Noninterest expense to average assets | 9.9049% | 66 |
| Loan and lease loss provision to assets | 0.7707% | 127 |
| Net operating income to assets | 2.1363% | 280 |
| Return on assets (ROA) | 2.1340% | 274 |
| Pretax return on assets | 2.1340% | 408 |
| Return on Equity (ROE) | 17.2914% | 467 |
| Retained earnings to average equity (ytd only) | 4.3246% | 3,164 |
| Net charge-offs to loans | 0.9739% | 151 |
| Credit loss provision to net charge-offs | 142.8797% | 1,901 |
| Earnings coverage of net charge-offs (x) | 5.3892% | 3,197 |
| Efficiency ratio | 77.3105% | 1,200 |
| Assets per employee ($millions) | 0.8320% | 5,366 |
| Cash dividends to net income (ytd only)* | 74.9900% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0620% | 425 |
| Loan loss allowance to noncurrent loans | 143.8596% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 925 |
| Noncurrent loans to loans | 1.4334% | 1,085 |
| Net loans and leases to total assets | 57.0871% | 4,040 |
| Net loans and leases to deposits | 68.2738% | 3,956 |
| Net loans and leases to core deposits | 69.5278% | 4,138 |
| Total domestic deposits to total assets | 83.6149% | 3,120 |
| Equity capital to assets | 12.8526% | 1,415 |
| Core capital (leverage) ratio | 14.0294% | 914 |
| Tier 1 risk-based capital ratio | 23.3596% | 875 |
| Total risk-based capital ratio | 24.6182% | 852 |
| Memoranda: | ||
| Average total assets | $351,501,600 | 1,915 |
| Average earning assets | $302,959,200 | 2,007 |
| Average equity | $43,380,000 | 1,724 |
| Average total loans | $194,688,800 | 2,211 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 3,747 |
| Cost of funding earning assets | 0.1754% | 5,117 |
| Net interest margin | 3.8871% | 2,349 |
| Noninterest income to average assets | 9.2104% | 61 |
| Noninterest expense to average assets | 9.8185% | 66 |
| Loan and lease loss provision to assets | 0.7824% | 118 |
| Net operating income to assets | 1.9636% | 420 |
| Return on assets (ROA) | 1.9606% | 417 |
| Pretax return on assets | 1.9606% | 698 |
| Return on Equity (ROE) | 16.0466% | 692 |
| Retained earnings to average equity (ytd only) | 4.1049% | 3,723 |
| Net charge-offs to loans | 0.9969% | 138 |
| Credit loss provision to net charge-offs | 143.5083% | 1,767 |
| Earnings coverage of net charge-offs (x) | 5.0366% | 2,996 |
| Efficiency ratio | 78.1444% | 1,107 |
| Assets per employee ($millions) | 0.8464% | 5,435 |
| Cash dividends to net income (ytd only)* | 74.4191% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9986% | 486 |
| Loan loss allowance to noncurrent loans | 174.7880% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 1.1456% | 1,242 |
| Noncurrent loans to loans | 1.1434% | 1,481 |
| Net loans and leases to total assets | 53.2678% | 4,405 |
| Net loans and leases to deposits | 63.1515% | 4,379 |
| Net loans and leases to core deposits | 64.0746% | 4,508 |
| Total domestic deposits to total assets | 84.3492% | 2,836 |
| Equity capital to assets | 12.0627% | 1,868 |
| Core capital (leverage) ratio | 13.6330% | 1,046 |
| Tier 1 risk-based capital ratio | 23.7695% | 861 |
| Total risk-based capital ratio | 25.0275% | 844 |
| Memoranda: | ||
| Average total assets | $354,098,500 | 1,912 |
| Average earning assets | $305,547,750 | 2,005 |
| Average equity | $43,264,500 | 1,729 |
| Average total loans | $193,653,000 | 2,228 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 3,556 |
| Cost of funding earning assets | 0.1646% | 5,179 |
| Net interest margin | 3.9038% | 2,191 |
| Noninterest income to average assets | 9.1590% | 58 |
| Noninterest expense to average assets | 9.8336% | 66 |
| Loan and lease loss provision to assets | 0.7842% | 119 |
| Net operating income to assets | 1.9111% | 459 |
| Return on assets (ROA) | 1.9066% | 460 |
| Pretax return on assets | 1.9066% | 759 |
| Return on Equity (ROE) | 15.5370% | 751 |
| Retained earnings to average equity (ytd only) | 4.0753% | 3,574 |
| Net charge-offs to loans | 0.8938% | 150 |
| Credit loss provision to net charge-offs | 160.0928% | 1,512 |
| Earnings coverage of net charge-offs (x) | 5.5023% | 2,703 |
| Efficiency ratio | 78.4869% | 1,166 |
| Assets per employee ($millions) | 0.8801% | 5,498 |
| Cash dividends to net income (ytd only)* | 73.7705% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 580 |
| Loan loss allowance to noncurrent loans | 274.3331% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 1.0888% | 1,360 |
| Noncurrent loans to loans | 0.7071% | 2,345 |
| Net loans and leases to total assets | 53.0521% | 4,408 |
| Net loans and leases to deposits | 62.8094% | 4,371 |
| Net loans and leases to core deposits | 63.7735% | 4,502 |
| Total domestic deposits to total assets | 84.4652% | 2,886 |
| Equity capital to assets | 11.9693% | 1,874 |
| Core capital (leverage) ratio | 13.6728% | 1,001 |
| Tier 1 risk-based capital ratio | 23.7006% | 864 |
| Total risk-based capital ratio | 24.9583% | 834 |
| Memoranda: | ||
| Average total assets | $351,937,330 | 1,931 |
| Average earning assets | $303,809,000 | 2,024 |
| Average equity | $43,187,330 | 1,734 |
| Average total loans | $192,873,670 | 2,241 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 3,557 |
| Cost of funding earning assets | 0.1444% | 5,292 |
| Net interest margin | 3.8694% | 2,159 |
| Noninterest income to average assets | 9.1734% | 58 |
| Noninterest expense to average assets | 9.9085% | 69 |
| Loan and lease loss provision to assets | 0.7559% | 123 |
| Net operating income to assets | 1.8499% | 511 |
| Return on assets (ROA) | 1.8499% | 513 |
| Pretax return on assets | 1.8499% | 824 |
| Return on Equity (ROE) | 14.8834% | 822 |
| Retained earnings to average equity (ytd only) | 3.7417% | 3,700 |
| Net charge-offs to loans | 0.8576% | 168 |
| Credit loss provision to net charge-offs | 159.7561% | 1,191 |
| Earnings coverage of net charge-offs (x) | 5.5073% | 2,231 |
| Efficiency ratio | 79.1774% | 1,238 |
| Assets per employee ($millions) | 0.8864% | 5,561 |
| Cash dividends to net income (ytd only)* | 74.8596% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8198% | 753 |
| Loan loss allowance to noncurrent loans | 79.9457% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.6021% | 845 |
| Noncurrent loans to loans | 2.2763% | 637 |
| Net loans and leases to total assets | 52.5614% | 4,398 |
| Net loans and leases to deposits | 62.1597% | 4,328 |
| Net loans and leases to core deposits | 63.1160% | 4,481 |
| Total domestic deposits to total assets | 84.5587% | 3,095 |
| Equity capital to assets | 11.8372% | 1,889 |
| Core capital (leverage) ratio | 13.9607% | 887 |
| Tier 1 risk-based capital ratio | 23.7001% | 866 |
| Total risk-based capital ratio | 24.9561% | 845 |
| Memoranda: | ||
| Average total assets | $346,612,500 | 1,964 |
| Average earning assets | $299,271,000 | 2,067 |
| Average equity | $43,081,500 | 1,749 |
| Average total loans | $191,228,000 | 2,261 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 3,836 |
| Cost of funding earning assets | 0.1500% | 5,262 |
| Net interest margin | 3.7168% | 2,732 |
| Noninterest income to average assets | 8.8187% | 66 |
| Noninterest expense to average assets | 9.4578% | 76 |
| Loan and lease loss provision to assets | 0.7891% | 144 |
| Net operating income to assets | 1.8170% | 404 |
| Return on assets (ROA) | 1.8159% | 413 |
| Pretax return on assets | 1.8159% | 765 |
| Return on Equity (ROE) | 15.4083% | 556 |
| Retained earnings to average equity (ytd only) | 4.3164% | 2,567 |
| Net charge-offs to loans | 1.5518% | 101 |
| Credit loss provision to net charge-offs | 93.9404% | 2,715 |
| Earnings coverage of net charge-offs (x) | 3.1026% | 3,653 |
| Efficiency ratio | 78.3977% | 1,294 |
| Assets per employee ($millions) | 0.8125% | 5,627 |
| Cash dividends to net income (ytd only)* | 71.9865% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 867 |
| Loan loss allowance to noncurrent loans | 70.9169% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.8071% | 687 |
| Noncurrent loans to loans | 2.4606% | 549 |
| Net loans and leases to total assets | 55.9689% | 4,190 |
| Net loans and leases to deposits | 67.3133% | 4,078 |
| Net loans and leases to core deposits | 68.3237% | 4,272 |
| Total domestic deposits to total assets | 83.1468% | 3,513 |
| Equity capital to assets | 13.0784% | 1,225 |
| Core capital (leverage) ratio | 13.2986% | 1,038 |
| Tier 1 risk-based capital ratio | 24.5034% | 770 |
| Total risk-based capital ratio | 25.7588% | 751 |
| Memoranda: | ||
| Average total assets | $359,543,600 | 1,870 |
| Average earning assets | $313,922,200 | 1,966 |
| Average equity | $42,373,400 | 1,757 |
| Average total loans | $194,612,000 | 2,203 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 4,046 |
| Cost of funding earning assets | 0.1471% | 5,328 |
| Net interest margin | 3.6422% | 2,989 |
| Noninterest income to average assets | 8.6522% | 72 |
| Noninterest expense to average assets | 9.1866% | 80 |
| Loan and lease loss provision to assets | 0.7783% | 141 |
| Net operating income to assets | 1.8729% | 412 |
| Return on assets (ROA) | 1.8715% | 419 |
| Pretax return on assets | 1.8715% | 744 |
| Return on Equity (ROE) | 16.2826% | 496 |
| Retained earnings to average equity (ytd only) | 4.8962% | 2,952 |
| Net charge-offs to loans | 1.6828% | 89 |
| Credit loss provision to net charge-offs | 86.4701% | 2,506 |
| Earnings coverage of net charge-offs (x) | 2.9455% | 3,402 |
| Efficiency ratio | 77.6034% | 1,384 |
| Assets per employee ($millions) | 0.9214% | 5,691 |
| Cash dividends to net income (ytd only)* | 69.9301% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 1,141 |
| Loan loss allowance to noncurrent loans | 61.7126% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.6298% | 901 |
| Noncurrent loans to loans | 2.6701% | 537 |
| Net loans and leases to total assets | 49.5309% | 4,732 |
| Net loans and leases to deposits | 58.0603% | 4,752 |
| Net loans and leases to core deposits | 59.0002% | 4,866 |
| Total domestic deposits to total assets | 85.3095% | 2,592 |
| Equity capital to assets | 11.4966% | 2,377 |
| Core capital (leverage) ratio | 12.8040% | 1,289 |
| Tier 1 risk-based capital ratio | 24.1125% | 840 |
| Total risk-based capital ratio | 25.3669% | 817 |
| Memoranda: | ||
| Average total assets | $366,756,750 | 1,856 |
| Average earning assets | $320,784,750 | 1,944 |
| Average equity | $42,154,500 | 1,782 |
| Average total loans | $196,172,250 | 2,196 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 3,883 |
| Cost of funding earning assets | 0.1460% | 5,361 |
| Net interest margin | 3.6567% | 2,811 |
| Noninterest income to average assets | 8.7529% | 73 |
| Noninterest expense to average assets | 9.2965% | 79 |
| Loan and lease loss provision to assets | 0.7508% | 141 |
| Net operating income to assets | 1.8916% | 380 |
| Return on assets (ROA) | 1.8850% | 394 |
| Pretax return on assets | 1.8850% | 684 |
| Return on Equity (ROE) | 16.4012% | 475 |
| Retained earnings to average equity (ytd only) | 5.2578% | 2,545 |
| Net charge-offs to loans | 1.3011% | 145 |
| Credit loss provision to net charge-offs | 105.7409% | 1,943 |
| Earnings coverage of net charge-offs (x) | 3.7215% | 3,010 |
| Efficiency ratio | 77.8675% | 1,479 |
| Assets per employee ($millions) | 0.9047% | 5,741 |
| Cash dividends to net income (ytd only)* | 67.9427% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8320% | 829 |
| Loan loss allowance to noncurrent loans | 93.6080% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.3123% | 1,253 |
| Noncurrent loans to loans | 1.9571% | 868 |
| Net loans and leases to total assets | 50.5802% | 4,669 |
| Net loans and leases to deposits | 59.2648% | 4,683 |
| Net loans and leases to core deposits | 60.3782% | 4,802 |
| Total domestic deposits to total assets | 85.3462% | 2,673 |
| Equity capital to assets | 11.4316% | 2,387 |
| Core capital (leverage) ratio | 12.9771% | 1,184 |
| Tier 1 risk-based capital ratio | 23.5706% | 892 |
| Total risk-based capital ratio | 24.8273% | 877 |
| Memoranda: | ||
| Average total assets | $363,081,670 | 1,874 |
| Average earning assets | $316,348,670 | 1,975 |
| Average equity | $41,728,670 | 1,794 |
| Average total loans | $198,145,000 | 2,185 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9206% | 3,322 |
| Cost of funding earning assets | 0.1489% | 5,382 |
| Net interest margin | 3.7716% | 2,214 |
| Noninterest income to average assets | 9.0492% | 63 |
| Noninterest expense to average assets | 9.5849% | 76 |
| Loan and lease loss provision to assets | 0.7655% | 130 |
| Net operating income to assets | 1.9625% | 323 |
| Return on assets (ROA) | 1.9524% | 343 |
| Pretax return on assets | 1.9524% | 556 |
| Return on Equity (ROE) | 16.9404% | 422 |
| Retained earnings to average equity (ytd only) | 5.0277% | 2,877 |
| Net charge-offs to loans | 0.8300% | 205 |
| Credit loss provision to net charge-offs | 164.1827% | 1,148 |
| Earnings coverage of net charge-offs (x) | 5.8510% | 2,253 |
| Efficiency ratio | 77.8445% | 1,652 |
| Assets per employee ($millions) | 0.8767% | 5,811 |
| Cash dividends to net income (ytd only)* | 70.3215% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8815% | 815 |
| Loan loss allowance to noncurrent loans | 82.6953% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.7347% | 849 |
| Noncurrent loans to loans | 2.2753% | 730 |
| Net loans and leases to total assets | 53.0521% | 4,421 |
| Net loans and leases to deposits | 62.0674% | 4,428 |
| Net loans and leases to core deposits | 63.1738% | 4,585 |
| Total domestic deposits to total assets | 85.4750% | 2,892 |
| Equity capital to assets | 11.3257% | 2,326 |
| Core capital (leverage) ratio | 13.2209% | 1,063 |
| Tier 1 risk-based capital ratio | 22.8571% | 997 |
| Total risk-based capital ratio | 24.1144% | 974 |
| Memoranda: | ||
| Average total assets | $356,893,000 | 1,904 |
| Average earning assets | $308,833,000 | 2,031 |
| Average equity | $41,132,500 | 1,814 |
| Average total loans | $200,491,500 | 2,176 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5230% | 4,724 |
| Cost of funding earning assets | 0.1669% | 5,305 |
| Net interest margin | 3.3561% | 3,978 |
| Noninterest income to average assets | 7.5498% | 79 |
| Noninterest expense to average assets | 8.2620% | 98 |
| Loan and lease loss provision to assets | 0.9564% | 111 |
| Net operating income to assets | 1.2814% | 1,264 |
| Return on assets (ROA) | 1.2776% | 1,347 |
| Pretax return on assets | 1.2776% | 2,367 |
| Return on Equity (ROE) | 12.4068% | 1,141 |
| Retained earnings to average equity (ytd only) | 4.9681% | 2,362 |
| Net charge-offs to loans | 1.9950% | 71 |
| Credit loss provision to net charge-offs | 93.0369% | 2,745 |
| Earnings coverage of net charge-offs (x) | 2.1769% | 3,874 |
| Efficiency ratio | 78.6878% | 1,591 |
| Assets per employee ($millions) | 0.7964% | 5,870 |
| Cash dividends to net income (ytd only)* | 59.9568% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7147% | 1,114 |
| Loan loss allowance to noncurrent loans | 60.3898% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.2225% | 586 |
| Noncurrent loans to loans | 2.8394% | 504 |
| Net loans and leases to total assets | 57.4098% | 4,125 |
| Net loans and leases to deposits | 67.5157% | 4,126 |
| Net loans and leases to core deposits | 68.7375% | 4,345 |
| Total domestic deposits to total assets | 85.0317% | 3,029 |
| Equity capital to assets | 11.7367% | 1,980 |
| Core capital (leverage) ratio | 12.2322% | 1,462 |
| Tier 1 risk-based capital ratio | 22.3564% | 1,034 |
| Total risk-based capital ratio | 23.6118% | 1,016 |
| Memoranda: | ||
| Average total assets | $398,171,400 | 1,693 |
| Average earning assets | $349,984,800 | 1,775 |
| Average equity | $41,001,800 | 1,809 |
| Average total loans | $205,162,800 | 2,080 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 5,006 |
| Cost of funding earning assets | 0.1669% | 5,373 |
| Net interest margin | 3.2448% | 4,362 |
| Noninterest income to average assets | 7.2292% | 82 |
| Noninterest expense to average assets | 8.0277% | 105 |
| Loan and lease loss provision to assets | 0.9675% | 106 |
| Net operating income to assets | 1.0972% | 2,010 |
| Return on assets (ROA) | 1.0943% | 2,127 |
| Pretax return on assets | 1.0943% | 3,256 |
| Return on Equity (ROE) | 10.9489% | 1,688 |
| Retained earnings to average equity (ytd only) | 4.1342% | 3,371 |
| Net charge-offs to loans | 1.3841% | 106 |
| Credit loss provision to net charge-offs | 139.5882% | 1,873 |
| Earnings coverage of net charge-offs (x) | 2.9789% | 3,487 |
| Efficiency ratio | 79.5424% | 1,490 |
| Assets per employee ($millions) | 1.0221% | 5,932 |
| Cash dividends to net income (ytd only)* | 62.2407% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2020% | 517 |
| Loan loss allowance to noncurrent loans | 77.8775% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.7998% | 913 |
| Noncurrent loans to loans | 2.8276% | 565 |
| Net loans and leases to total assets | 46.3885% | 5,074 |
| Net loans and leases to deposits | 52.7698% | 5,169 |
| Net loans and leases to core deposits | 53.5882% | 5,237 |
| Total domestic deposits to total assets | 87.9073% | 1,442 |
| Equity capital to assets | 9.5432% | 4,621 |
| Core capital (leverage) ratio | 10.3197% | 3,205 |
| Tier 1 risk-based capital ratio | 21.6820% | 1,172 |
| Total risk-based capital ratio | 22.9438% | 1,155 |
| Memoranda: | ||
| Average total assets | $411,101,000 | 1,643 |
| Average earning assets | $362,747,250 | 1,714 |
| Average equity | $41,086,750 | 1,813 |
| Average total loans | $205,861,500 | 2,080 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5153% | 4,821 |
| Cost of funding earning assets | 0.1693% | 5,418 |
| Net interest margin | 3.3460% | 4,076 |
| Noninterest income to average assets | 7.2734% | 84 |
| Noninterest expense to average assets | 8.4944% | 90 |
| Loan and lease loss provision to assets | 0.5417% | 229 |
| Net operating income to assets | 1.1717% | 1,693 |
| Return on assets (ROA) | 1.1677% | 1,811 |
| Pretax return on assets | 1.1677% | 2,917 |
| Return on Equity (ROE) | 11.4938% | 1,480 |
| Retained earnings to average equity (ytd only) | 4.3807% | 3,129 |
| Net charge-offs to loans | 0.4189% | 545 |
| Credit loss provision to net charge-offs | 253.3800% | 1,087 |
| Earnings coverage of net charge-offs (x) | 8.0140% | 2,563 |
| Efficiency ratio | 83.2145% | 1,124 |
| Assets per employee ($millions) | 1.0327% | 6,008 |
| Cash dividends to net income (ytd only)* | 61.8865% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0761% | 639 |
| Loan loss allowance to noncurrent loans | 130.2538% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.2845% | 1,579 |
| Noncurrent loans to loans | 1.5939% | 1,346 |
| Net loans and leases to total assets | 47.6524% | 5,016 |
| Net loans and leases to deposits | 54.2608% | 5,123 |
| Net loans and leases to core deposits | 55.1022% | 5,217 |
| Total domestic deposits to total assets | 87.8212% | 1,515 |
| Equity capital to assets | 9.6393% | 4,625 |
| Core capital (leverage) ratio | 10.0376% | 3,523 |
| Tier 1 risk-based capital ratio | 21.4013% | 1,210 |
| Total risk-based capital ratio | 22.6618% | 1,189 |
| Memoranda: | ||
| Average total assets | $401,300,000 | 1,683 |
| Average earning assets | $351,944,670 | 1,764 |
| Average equity | $40,769,670 | 1,823 |
| Average total loans | $204,834,000 | 2,099 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6530% | 4,466 |
| Cost of funding earning assets | 0.1653% | 5,507 |
| Net interest margin | 3.4877% | 3,516 |
| Noninterest income to average assets | 7.6320% | 79 |
| Noninterest expense to average assets | 8.9304% | 85 |
| Loan and lease loss provision to assets | 0.5131% | 235 |
| Net operating income to assets | 1.2244% | 1,479 |
| Return on assets (ROA) | 1.2160% | 1,607 |
| Pretax return on assets | 1.2160% | 2,639 |
| Return on Equity (ROE) | 11.6305% | 1,415 |
| Retained earnings to average equity (ytd only) | 4.7978% | 3,066 |
| Net charge-offs to loans | -0.0617% | 5,435 |
| Credit loss provision to net charge-offs | -1,587.0968% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7130% | 1,184 |
| Assets per employee ($millions) | 1.0409% | 6,071 |
| Cash dividends to net income (ytd only)* | 58.7479% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1311% | 652 |
| Loan loss allowance to noncurrent loans | 201.7925% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 1,869 |
| Noncurrent loans to loans | 1.0561% | 2,282 |
| Net loans and leases to total assets | 44.8335% | 5,201 |
| Net loans and leases to deposits | 50.4434% | 5,319 |
| Net loans and leases to core deposits | 51.2137% | 5,397 |
| Total domestic deposits to total assets | 88.8788% | 1,165 |
| Equity capital to assets | 9.2337% | 4,954 |
| Core capital (leverage) ratio | 11.3955% | 2,057 |
| Tier 1 risk-based capital ratio | 22.5219% | 1,090 |
| Total risk-based capital ratio | 23.7833% | 1,058 |
| Memoranda: | ||
| Average total assets | $383,542,500 | 1,746 |
| Average earning assets | $333,861,000 | 1,861 |
| Average equity | $40,101,500 | 1,843 |
| Average total loans | $200,968,000 | 2,125 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,010 |
| Cost of funding earning assets | 0.2022% | 5,272 |
| Net interest margin | 3.8764% | 2,109 |
| Noninterest income to average assets | 8.7392% | 75 |
| Noninterest expense to average assets | 9.8582% | 73 |
| Loan and lease loss provision to assets | 0.8407% | 111 |
| Net operating income to assets | 1.3469% | 1,161 |
| Return on assets (ROA) | 1.3433% | 1,202 |
| Pretax return on assets | 1.3433% | 2,115 |
| Return on Equity (ROE) | 11.3267% | 1,493 |
| Retained earnings to average equity (ytd only) | 3.7730% | 3,355 |
| Net charge-offs to loans | 1.4370% | 111 |
| Credit loss provision to net charge-offs | 94.6416% | 2,663 |
| Earnings coverage of net charge-offs (x) | 2.4628% | 3,903 |
| Efficiency ratio | 81.8392% | 1,431 |
| Assets per employee ($millions) | 0.7793% | 6,136 |
| Cash dividends to net income (ytd only)* | 66.6892% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 1,019 |
| Loan loss allowance to noncurrent loans | 173.0415% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.5565% | 1,276 |
| Noncurrent loans to loans | 1.0785% | 2,185 |
| Net loans and leases to total assets | 60.0339% | 3,835 |
| Net loans and leases to deposits | 70.2816% | 3,892 |
| Net loans and leases to core deposits | 71.7775% | 4,154 |
| Total domestic deposits to total assets | 85.4192% | 2,895 |
| Equity capital to assets | 12.0836% | 1,895 |
| Core capital (leverage) ratio | 13.4987% | 968 |
| Tier 1 risk-based capital ratio | 21.9641% | 1,154 |
| Total risk-based capital ratio | 23.2218% | 1,133 |
| Memoranda: | ||
| Average total assets | $329,857,400 | 1,992 |
| Average earning assets | $281,371,600 | 2,128 |
| Average equity | $39,119,800 | 1,842 |
| Average total loans | $203,895,600 | 2,043 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 3,249 |
| Cost of funding earning assets | 0.2053% | 5,330 |
| Net interest margin | 3.8171% | 2,320 |
| Noninterest income to average assets | 8.8015% | 78 |
| Noninterest expense to average assets | 9.8178% | 80 |
| Loan and lease loss provision to assets | 0.8599% | 78 |
| Net operating income to assets | 1.3834% | 1,146 |
| Return on assets (ROA) | 1.3785% | 1,213 |
| Pretax return on assets | 1.3785% | 2,105 |
| Return on Equity (ROE) | 11.6787% | 1,470 |
| Retained earnings to average equity (ytd only) | 4.1336% | 3,525 |
| Net charge-offs to loans | 1.5518% | 88 |
| Credit loss provision to net charge-offs | 89.4162% | 2,478 |
| Earnings coverage of net charge-offs (x) | 2.3326% | 3,686 |
| Efficiency ratio | 81.4005% | 1,477 |
| Assets per employee ($millions) | 0.7993% | 6,225 |
| Cash dividends to net income (ytd only)* | 64.6060% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 1,311 |
| Loan loss allowance to noncurrent loans | 219.5561% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 1.5764% | 1,418 |
| Noncurrent loans to loans | 0.8087% | 2,944 |
| Net loans and leases to total assets | 61.7850% | 3,642 |
| Net loans and leases to deposits | 72.2443% | 3,737 |
| Net loans and leases to core deposits | 73.7893% | 4,032 |
| Total domestic deposits to total assets | 85.5223% | 2,772 |
| Equity capital to assets | 12.0899% | 2,041 |
| Core capital (leverage) ratio | 13.0418% | 1,190 |
| Tier 1 risk-based capital ratio | 21.5667% | 1,255 |
| Total risk-based capital ratio | 22.8237% | 1,236 |
| Memoranda: | ||
| Average total assets | $330,100,750 | 2,003 |
| Average earning assets | $281,884,750 | 2,136 |
| Average equity | $38,964,500 | 1,861 |
| Average total loans | $204,570,250 | 2,047 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8950% | 3,713 |
| Cost of funding earning assets | 0.2062% | 5,389 |
| Net interest margin | 3.6888% | 2,760 |
| Noninterest income to average assets | 8.7755% | 82 |
| Noninterest expense to average assets | 9.8067% | 82 |
| Loan and lease loss provision to assets | 0.8468% | 88 |
| Net operating income to assets | 1.2687% | 1,402 |
| Return on assets (ROA) | 1.2614% | 1,475 |
| Pretax return on assets | 1.2614% | 2,505 |
| Return on Equity (ROE) | 10.7727% | 1,756 |
| Retained earnings to average equity (ytd only) | 2.5138% | 4,452 |
| Net charge-offs to loans | 1.5428% | 113 |
| Credit loss provision to net charge-offs | 89.0089% | 2,214 |
| Earnings coverage of net charge-offs (x) | 2.2236% | 3,386 |
| Efficiency ratio | 82.2560% | 1,456 |
| Assets per employee ($millions) | 0.8376% | 6,302 |
| Cash dividends to net income (ytd only)* | 76.6651% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8442% | 1,286 |
| Loan loss allowance to noncurrent loans | 156.3781% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.7282% | 1,370 |
| Noncurrent loans to loans | 1.1793% | 2,295 |
| Net loans and leases to total assets | 59.6970% | 3,880 |
| Net loans and leases to deposits | 69.2289% | 4,016 |
| Net loans and leases to core deposits | 70.6580% | 4,262 |
| Total domestic deposits to total assets | 86.2314% | 2,566 |
| Equity capital to assets | 11.5776% | 2,348 |
| Core capital (leverage) ratio | 12.6431% | 1,321 |
| Tier 1 risk-based capital ratio | 21.8438% | 1,228 |
| Total risk-based capital ratio | 23.1022% | 1,212 |
| Memoranda: | ||
| Average total assets | $330,897,000 | 2,010 |
| Average earning assets | $282,261,000 | 2,151 |
| Average equity | $38,746,000 | 1,878 |
| Average total loans | $204,048,000 | 2,053 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7810% | 4,083 |
| Cost of funding earning assets | 0.2051% | 5,461 |
| Net interest margin | 3.5759% | 3,097 |
| Noninterest income to average assets | 8.7204% | 84 |
| Noninterest expense to average assets | 9.9701% | 84 |
| Loan and lease loss provision to assets | 0.5035% | 207 |
| Net operating income to assets | 1.2922% | 1,300 |
| Return on assets (ROA) | 1.2777% | 1,425 |
| Pretax return on assets | 1.2777% | 2,365 |
| Return on Equity (ROE) | 10.8497% | 1,673 |
| Retained earnings to average equity (ytd only) | 3.7402% | 3,767 |
| Net charge-offs to loans | 0.9282% | 258 |
| Credit loss provision to net charge-offs | 87.3684% | 1,766 |
| Earnings coverage of net charge-offs (x) | 3.1158% | 2,647 |
| Efficiency ratio | 84.7375% | 1,292 |
| Assets per employee ($millions) | 0.8223% | 6,371 |
| Cash dividends to net income (ytd only)* | 65.5271% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 1,310 |
| Loan loss allowance to noncurrent loans | 96.3241% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 2.0512% | 1,147 |
| Noncurrent loans to loans | 1.9601% | 1,349 |
| Net loans and leases to total assets | 58.9420% | 3,805 |
| Net loans and leases to deposits | 68.2357% | 3,931 |
| Net loans and leases to core deposits | 69.6151% | 4,191 |
| Total domestic deposits to total assets | 86.3801% | 2,722 |
| Equity capital to assets | 11.5137% | 2,451 |
| Core capital (leverage) ratio | 12.9083% | 1,187 |
| Tier 1 risk-based capital ratio | 21.7538% | 1,282 |
| Total risk-based capital ratio | 23.0127% | 1,255 |
| Memoranda: | ||
| Average total assets | $329,665,500 | 2,024 |
| Average earning assets | $280,770,500 | 2,170 |
| Average equity | $38,821,500 | 1,877 |
| Average total loans | $204,699,500 | 2,053 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 2,389 |
| Cost of funding earning assets | 0.2230% | 5,571 |
| Net interest margin | 4.1310% | 1,488 |
| Noninterest income to average assets | 8.8931% | 75 |
| Noninterest expense to average assets | 10.1130% | 76 |
| Loan and lease loss provision to assets | 0.8430% | 148 |
| Net operating income to assets | 1.4200% | 1,039 |
| Return on assets (ROA) | 1.5072% | 902 |
| Pretax return on assets | 1.5072% | 1,514 |
| Return on Equity (ROE) | 12.8267% | 1,176 |
| Retained earnings to average equity (ytd only) | 4.5017% | 2,966 |
| Net charge-offs to loans | 1.3356% | 191 |
| Credit loss provision to net charge-offs | 98.8719% | 2,452 |
| Earnings coverage of net charge-offs (x) | 2.6543% | 4,098 |
| Efficiency ratio | 81.7147% | 1,692 |
| Assets per employee ($millions) | 0.7894% | 6,461 |
| Cash dividends to net income (ytd only)* | 64.9033% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 1,307 |
| Loan loss allowance to noncurrent loans | 193.4718% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 1.7033% | 1,568 |
| Noncurrent loans to loans | 0.9845% | 2,867 |
| Net loans and leases to total assets | 63.0118% | 3,360 |
| Net loans and leases to deposits | 73.5338% | 3,492 |
| Net loans and leases to core deposits | 75.0567% | 3,816 |
| Total domestic deposits to total assets | 85.6909% | 2,989 |
| Equity capital to assets | 12.0547% | 1,980 |
| Core capital (leverage) ratio | 13.0793% | 1,106 |
| Tier 1 risk-based capital ratio | 21.3031% | 1,339 |
| Total risk-based capital ratio | 22.5621% | 1,315 |
| Memoranda: | ||
| Average total assets | $322,317,800 | 2,013 |
| Average earning assets | $271,747,600 | 2,185 |
| Average equity | $37,874,200 | 1,864 |
| Average total loans | $205,746,400 | 1,999 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 2,336 |
| Cost of funding earning assets | 0.2216% | 5,651 |
| Net interest margin | 4.1507% | 1,430 |
| Noninterest income to average assets | 8.8114% | 73 |
| Noninterest expense to average assets | 10.1267% | 75 |
| Loan and lease loss provision to assets | 0.7955% | 156 |
| Net operating income to assets | 1.3850% | 1,161 |
| Return on assets (ROA) | 1.3665% | 1,244 |
| Pretax return on assets | 1.3665% | 2,133 |
| Return on Equity (ROE) | 11.7039% | 1,560 |
| Retained earnings to average equity (ytd only) | 4.2855% | 3,601 |
| Net charge-offs to loans | 1.1459% | 244 |
| Credit loss provision to net charge-offs | 108.9316% | 2,056 |
| Earnings coverage of net charge-offs (x) | 2.9859% | 3,774 |
| Efficiency ratio | 82.2823% | 1,578 |
| Assets per employee ($millions) | 0.8064% | 6,541 |
| Cash dividends to net income (ytd only)* | 63.3837% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9909% | 1,276 |
| Loan loss allowance to noncurrent loans | 181.7819% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 2.1769% | 1,272 |
| Noncurrent loans to loans | 1.0952% | 2,878 |
| Net loans and leases to total assets | 62.4357% | 3,422 |
| Net loans and leases to deposits | 72.6241% | 3,610 |
| Net loans and leases to core deposits | 74.0316% | 3,935 |
| Total domestic deposits to total assets | 85.9710% | 2,857 |
| Equity capital to assets | 12.0491% | 2,018 |
| Core capital (leverage) ratio | 12.8363% | 1,253 |
| Tier 1 risk-based capital ratio | 20.6979% | 1,511 |
| Total risk-based capital ratio | 21.9575% | 1,478 |
| Memoranda: | ||
| Average total assets | $322,965,750 | 2,024 |
| Average earning assets | $272,012,250 | 2,197 |
| Average equity | $37,707,250 | 1,876 |
| Average total loans | $205,838,750 | 2,016 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 2,285 |
| Cost of funding earning assets | 0.2179% | 5,769 |
| Net interest margin | 4.1547% | 1,367 |
| Noninterest income to average assets | 8.5858% | 74 |
| Noninterest expense to average assets | 10.0478% | 75 |
| Loan and lease loss provision to assets | 0.7025% | 189 |
| Net operating income to assets | 1.3202% | 1,249 |
| Return on assets (ROA) | 1.3065% | 1,339 |
| Pretax return on assets | 1.3065% | 2,230 |
| Return on Equity (ROE) | 11.3115% | 1,627 |
| Retained earnings to average equity (ytd only) | 4.1352% | 3,545 |
| Net charge-offs to loans | 1.1245% | 287 |
| Credit loss provision to net charge-offs | 98.0121% | 2,048 |
| Earnings coverage of net charge-offs (x) | 2.8220% | 3,460 |
| Efficiency ratio | 83.2427% | 1,598 |
| Assets per employee ($millions) | 0.7824% | 6,613 |
| Cash dividends to net income (ytd only)* | 63.4424% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8953% | 1,598 |
| Loan loss allowance to noncurrent loans | 192.3454% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 2.2072% | 1,376 |
| Noncurrent loans to loans | 0.9854% | 3,260 |
| Net loans and leases to total assets | 62.7940% | 3,277 |
| Net loans and leases to deposits | 72.7673% | 3,477 |
| Net loans and leases to core deposits | 74.1582% | 3,822 |
| Total domestic deposits to total assets | 86.2943% | 2,885 |
| Equity capital to assets | 11.8665% | 2,092 |
| Core capital (leverage) ratio | 12.6723% | 1,298 |
| Tier 1 risk-based capital ratio | 20.2345% | 1,631 |
| Total risk-based capital ratio | 21.4929% | 1,599 |
| Memoranda: | ||
| Average total assets | $322,837,000 | 2,019 |
| Average earning assets | $270,774,670 | 2,202 |
| Average equity | $37,289,330 | 1,887 |
| Average total loans | $205,789,000 | 2,010 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 2,428 |
| Cost of funding earning assets | 0.2096% | 5,923 |
| Net interest margin | 4.1154% | 1,418 |
| Noninterest income to average assets | 8.3051% | 72 |
| Noninterest expense to average assets | 9.8906% | 77 |
| Loan and lease loss provision to assets | 0.5752% | 234 |
| Net operating income to assets | 1.2718% | 1,291 |
| Return on assets (ROA) | 1.2532% | 1,394 |
| Pretax return on assets | 1.2532% | 2,273 |
| Return on Equity (ROE) | 11.0005% | 1,681 |
| Retained earnings to average equity (ytd only) | 3.8518% | 3,815 |
| Net charge-offs to loans | 0.6080% | 611 |
| Credit loss provision to net charge-offs | 148.7179% | 1,271 |
| Earnings coverage of net charge-offs (x) | 4.7756% | 2,476 |
| Efficiency ratio | 84.2644% | 1,643 |
| Assets per employee ($millions) | 0.7968% | 6,682 |
| Cash dividends to net income (ytd only)* | 64.9852% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9805% | 1,550 |
| Loan loss allowance to noncurrent loans | 152.0609% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 2.6455% | 1,166 |
| Noncurrent loans to loans | 1.3025% | 2,850 |
| Net loans and leases to total assets | 62.6492% | 3,133 |
| Net loans and leases to deposits | 72.2461% | 3,306 |
| Net loans and leases to core deposits | 73.7201% | 3,676 |
| Total domestic deposits to total assets | 86.7163% | 2,985 |
| Equity capital to assets | 11.5282% | 2,219 |
| Core capital (leverage) ratio | 13.5028% | 973 |
| Tier 1 risk-based capital ratio | 19.6898% | 1,793 |
| Total risk-based capital ratio | 20.9486% | 1,764 |
| Memoranda: | ||
| Average total assets | $322,691,500 | 2,025 |
| Average earning assets | $269,138,000 | 2,226 |
| Average equity | $36,762,000 | 1,908 |
| Average total loans | $205,271,000 | 2,010 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 4,307 |
| Cost of funding earning assets | 0.2273% | 6,124 |
| Net interest margin | 3.7170% | 2,988 |
| Noninterest income to average assets | 8.0120% | 79 |
| Noninterest expense to average assets | 9.0153% | 94 |
| Loan and lease loss provision to assets | 0.9196% | 210 |
| Net operating income to assets | 1.2418% | 1,419 |
| Return on assets (ROA) | 1.2016% | 1,631 |
| Pretax return on assets | 1.1733% | 2,682 |
| Return on Equity (ROE) | 11.4049% | 1,630 |
| Retained earnings to average equity (ytd only) | 4.0560% | 3,300 |
| Net charge-offs to loans | 1.9769% | 194 |
| Credit loss provision to net charge-offs | 81.0499% | 3,022 |
| Earnings coverage of net charge-offs (x) | 1.8801% | 4,424 |
| Efficiency ratio | 80.8660% | 2,039 |
| Assets per employee ($millions) | 0.7646% | 6,763 |
| Cash dividends to net income (ytd only)* | 64.4362% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9349% | 1,696 |
| Loan loss allowance to noncurrent loans | 177.0543% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 2.6000% | 1,308 |
| Noncurrent loans to loans | 1.0928% | 3,348 |
| Net loans and leases to total assets | 62.0828% | 3,347 |
| Net loans and leases to deposits | 71.3383% | 3,611 |
| Net loans and leases to core deposits | 72.7943% | 3,977 |
| Total domestic deposits to total assets | 87.0259% | 2,712 |
| Equity capital to assets | 11.2558% | 2,377 |
| Core capital (leverage) ratio | 13.7422% | 892 |
| Tier 1 risk-based capital ratio | 19.5794% | 1,758 |
| Total risk-based capital ratio | 20.8377% | 1,723 |
| Memoranda: | ||
| Average total assets | $335,795,600 | 1,913 |
| Average earning assets | $283,349,000 | 2,089 |
| Average equity | $35,379,600 | 1,950 |
| Average total loans | $192,722,000 | 2,070 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 4,712 |
| Cost of funding earning assets | 0.2296% | 6,231 |
| Net interest margin | 3.6080% | 3,411 |
| Noninterest income to average assets | 7.7615% | 85 |
| Noninterest expense to average assets | 8.7966% | 98 |
| Loan and lease loss provision to assets | 0.7530% | 279 |
| Net operating income to assets | 1.3055% | 1,344 |
| Return on assets (ROA) | 1.2572% | 1,529 |
| Pretax return on assets | 1.2198% | 2,620 |
| Return on Equity (ROE) | 12.1286% | 1,439 |
| Retained earnings to average equity (ytd only) | 3.9961% | 3,856 |
| Net charge-offs to loans | 1.9913% | 193 |
| Credit loss provision to net charge-offs | 67.5361% | 3,115 |
| Earnings coverage of net charge-offs (x) | 1.8128% | 4,229 |
| Efficiency ratio | 81.3165% | 1,929 |
| Assets per employee ($millions) | 0.8350% | 6,843 |
| Cash dividends to net income (ytd only)* | 67.0522% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 1,893 |
| Loan loss allowance to noncurrent loans | 262.7368% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 1.9798% | 2,042 |
| Noncurrent loans to loans | 0.7375% | 4,371 |
| Net loans and leases to total assets | 56.8701% | 4,193 |
| Net loans and leases to deposits | 64.8581% | 4,426 |
| Net loans and leases to core deposits | 66.1338% | 4,701 |
| Total domestic deposits to total assets | 87.6839% | 2,306 |
| Equity capital to assets | 10.5824% | 3,184 |
| Core capital (leverage) ratio | 13.5516% | 1,005 |
| Tier 1 risk-based capital ratio | 20.4406% | 1,612 |
| Total risk-based capital ratio | 21.6988% | 1,584 |
| Memoranda: | ||
| Average total assets | $339,272,500 | 1,908 |
| Average earning assets | $287,388,750 | 2,073 |
| Average equity | $35,166,750 | 1,978 |
| Average total loans | $189,957,500 | 2,096 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 4,826 |
| Cost of funding earning assets | 0.2333% | 6,282 |
| Net interest margin | 3.5683% | 3,488 |
| Noninterest income to average assets | 7.5105% | 89 |
| Noninterest expense to average assets | 8.5758% | 106 |
| Loan and lease loss provision to assets | 0.6211% | 402 |
| Net operating income to assets | 1.3425% | 1,219 |
| Return on assets (ROA) | 1.3425% | 1,309 |
| Pretax return on assets | 1.3425% | 2,150 |
| Return on Equity (ROE) | 13.0405% | 1,239 |
| Retained earnings to average equity (ytd only) | 5.1855% | 2,937 |
| Net charge-offs to loans | 2.1041% | 205 |
| Credit loss provision to net charge-offs | 53.3468% | 3,152 |
| Earnings coverage of net charge-offs (x) | 1.6865% | 3,970 |
| Efficiency ratio | 81.3688% | 1,981 |
| Assets per employee ($millions) | 0.8472% | 6,887 |
| Cash dividends to net income (ytd only)* | 60.2357% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9876% | 1,883 |
| Loan loss allowance to noncurrent loans | 186.4339% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 2.2648% | 1,916 |
| Noncurrent loans to loans | 1.0661% | 3,793 |
| Net loans and leases to total assets | 54.6704% | 4,500 |
| Net loans and leases to deposits | 62.2572% | 4,706 |
| Net loans and leases to core deposits | 63.5572% | 4,943 |
| Total domestic deposits to total assets | 87.8137% | 2,377 |
| Equity capital to assets | 10.3777% | 3,456 |
| Core capital (leverage) ratio | 13.1889% | 1,101 |
| Tier 1 risk-based capital ratio | 20.7424% | 1,561 |
| Total risk-based capital ratio | 22.0010% | 1,525 |
| Memoranda: | ||
| Average total assets | $341,308,000 | 1,903 |
| Average earning assets | $289,716,330 | 2,058 |
| Average equity | $35,136,670 | 1,979 |
| Average total loans | $188,871,330 | 2,110 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 5,173 |
| Cost of funding earning assets | 0.2393% | 6,354 |
| Net interest margin | 3.4586% | 3,866 |
| Noninterest income to average assets | 7.0919% | 98 |
| Noninterest expense to average assets | 8.4828% | 109 |
| Loan and lease loss provision to assets | 0.5137% | 518 |
| Net operating income to assets | 1.0589% | 1,999 |
| Return on assets (ROA) | 1.0589% | 2,117 |
| Pretax return on assets | 1.0589% | 3,114 |
| Return on Equity (ROE) | 10.3266% | 1,945 |
| Retained earnings to average equity (ytd only) | 2.9423% | 4,517 |
| Net charge-offs to loans | 1.4498% | 378 |
| Credit loss provision to net charge-offs | 64.2857% | 2,369 |
| Earnings coverage of net charge-offs (x) | 1.9679% | 3,180 |
| Efficiency ratio | 84.3605% | 1,718 |
| Assets per employee ($millions) | 0.8597% | 6,961 |
| Cash dividends to net income (ytd only)* | 71.5072% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3163% | 1,387 |
| Loan loss allowance to noncurrent loans | 73.0699% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.4233% | 1,911 |
| Noncurrent loans to loans | 3.1700% | 1,563 |
| Net loans and leases to total assets | 53.2734% | 4,520 |
| Net loans and leases to deposits | 60.3550% | 4,754 |
| Net loans and leases to core deposits | 61.5532% | 4,994 |
| Total domestic deposits to total assets | 88.2668% | 2,154 |
| Equity capital to assets | 10.0965% | 4,020 |
| Core capital (leverage) ratio | 12.5173% | 1,330 |
| Tier 1 risk-based capital ratio | 20.5624% | 1,641 |
| Total risk-based capital ratio | 21.8255% | 1,607 |
| Memoranda: | ||
| Average total assets | $343,379,000 | 1,921 |
| Average earning assets | $294,221,000 | 2,045 |
| Average equity | $35,210,000 | 2,006 |
| Average total loans | $189,273,000 | 2,122 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 4,445 |
| Cost of funding earning assets | 0.3621% | 6,148 |
| Net interest margin | 3.8751% | 2,924 |
| Noninterest income to average assets | 8.2739% | 88 |
| Noninterest expense to average assets | 8.7074% | 100 |
| Loan and lease loss provision to assets | 1.0223% | 393 |
| Net operating income to assets | 1.8486% | 473 |
| Return on assets (ROA) | 1.8098% | 563 |
| Pretax return on assets | 1.7665% | 985 |
| Return on Equity (ROE) | 15.6909% | 711 |
| Retained earnings to average equity (ytd only) | 5.2088% | 2,565 |
| Net charge-offs to loans | 1.5403% | 573 |
| Credit loss provision to net charge-offs | 114.5758% | 2,535 |
| Earnings coverage of net charge-offs (x) | 3.1690% | 3,849 |
| Efficiency ratio | 75.4866% | 2,831 |
| Assets per employee ($millions) | 0.8156% | 7,029 |
| Cash dividends to net income (ytd only)* | 66.8037% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4850% | 1,144 |
| Loan loss allowance to noncurrent loans | 74.0947% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 2.1374% | 2,289 |
| Noncurrent loans to loans | 3.3538% | 1,515 |
| Net loans and leases to total assets | 54.3426% | 4,575 |
| Net loans and leases to deposits | 61.8454% | 4,803 |
| Net loans and leases to core deposits | 63.1878% | 5,042 |
| Total domestic deposits to total assets | 87.8684% | 2,313 |
| Equity capital to assets | 10.4176% | 3,630 |
| Core capital (leverage) ratio | 12.9762% | 1,119 |
| Tier 1 risk-based capital ratio | 20.8389% | 1,491 |
| Total risk-based capital ratio | 22.1045% | 1,462 |
| Memoranda: | ||
| Average total assets | $309,092,400 | 2,082 |
| Average earning assets | $260,125,000 | 2,240 |
| Average equity | $35,651,200 | 1,942 |
| Average total loans | $179,057,400 | 2,216 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 4,346 |
| Cost of funding earning assets | 0.3918% | 6,161 |
| Net interest margin | 3.9340% | 2,784 |
| Noninterest income to average assets | 8.4601% | 87 |
| Noninterest expense to average assets | 8.9009% | 95 |
| Loan and lease loss provision to assets | 0.8530% | 540 |
| Net operating income to assets | 2.0576% | 353 |
| Return on assets (ROA) | 2.0153% | 423 |
| Pretax return on assets | 1.9562% | 767 |
| Return on Equity (ROE) | 17.0133% | 611 |
| Retained earnings to average equity (ytd only) | 10.0582% | 900 |
| Net charge-offs to loans | 1.1811% | 844 |
| Credit loss provision to net charge-offs | 123.3567% | 2,348 |
| Earnings coverage of net charge-offs (x) | 4.1238% | 3,394 |
| Efficiency ratio | 75.7369% | 2,714 |
| Assets per employee ($millions) | 0.8100% | 7,127 |
| Cash dividends to net income (ytd only)* | 40.8802% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5069% | 1,203 |
| Loan loss allowance to noncurrent loans | 87.7203% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 2.0786% | 2,556 |
| Noncurrent loans to loans | 2.8578% | 1,969 |
| Net loans and leases to total assets | 54.4771% | 4,669 |
| Net loans and leases to deposits | 62.3887% | 4,913 |
| Net loans and leases to core deposits | 63.7837% | 5,177 |
| Total domestic deposits to total assets | 87.3189% | 2,490 |
| Equity capital to assets | 11.2507% | 2,978 |
| Core capital (leverage) ratio | 13.6980% | 945 |
| Tier 1 risk-based capital ratio | 21.2574% | 1,466 |
| Total risk-based capital ratio | 22.5227% | 1,433 |
| Memoranda: | ||
| Average total assets | $302,149,750 | 2,143 |
| Average earning assets | $252,863,500 | 2,321 |
| Average equity | $35,790,750 | 1,947 |
| Average total loans | $176,890,500 | 2,272 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 3,943 |
| Cost of funding earning assets | 0.4270% | 6,119 |
| Net interest margin | 4.0316% | 2,376 |
| Noninterest income to average assets | 8.6310% | 83 |
| Noninterest expense to average assets | 8.9993% | 96 |
| Loan and lease loss provision to assets | 0.7858% | 648 |
| Net operating income to assets | 2.1748% | 295 |
| Return on assets (ROA) | 2.1263% | 360 |
| Pretax return on assets | 2.1263% | 551 |
| Return on Equity (ROE) | 17.6178% | 555 |
| Retained earnings to average equity (ytd only) | 12.6925% | 478 |
| Net charge-offs to loans | 1.0958% | 992 |
| Credit loss provision to net charge-offs | 120.4188% | 2,282 |
| Earnings coverage of net charge-offs (x) | 4.5372% | 3,051 |
| Efficiency ratio | 75.2457% | 2,855 |
| Assets per employee ($millions) | 0.7616% | 7,191 |
| Cash dividends to net income (ytd only)* | 27.9563% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5076% | 1,271 |
| Loan loss allowance to noncurrent loans | 90.1334% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 2.2186% | 2,519 |
| Noncurrent loans to loans | 2.7821% | 2,155 |
| Net loans and leases to total assets | 59.1140% | 3,970 |
| Net loans and leases to deposits | 68.7014% | 4,091 |
| Net loans and leases to core deposits | 70.4752% | 4,474 |
| Total domestic deposits to total assets | 86.0448% | 3,336 |
| Equity capital to assets | 12.3798% | 1,894 |
| Core capital (leverage) ratio | 13.6034% | 935 |
| Tier 1 risk-based capital ratio | 21.7171% | 1,346 |
| Total risk-based capital ratio | 22.9818% | 1,323 |
| Memoranda: | ||
| Average total assets | $292,713,000 | 2,208 |
| Average earning assets | $241,689,670 | 2,425 |
| Average equity | $35,328,000 | 1,960 |
| Average total loans | $174,302,670 | 2,306 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 4,168 |
| Cost of funding earning assets | 0.4435% | 6,188 |
| Net interest margin | 3.9948% | 2,529 |
| Noninterest income to average assets | 8.2703% | 80 |
| Noninterest expense to average assets | 8.8256% | 98 |
| Loan and lease loss provision to assets | 0.6578% | 822 |
| Net operating income to assets | 2.0515% | 382 |
| Return on assets (ROA) | 1.9831% | 495 |
| Pretax return on assets | 1.9831% | 757 |
| Return on Equity (ROE) | 16.6461% | 723 |
| Retained earnings to average equity (ytd only) | 16.6461% | 325 |
| Net charge-offs to loans | 1.0570% | 976 |
| Credit loss provision to net charge-offs | 105.4825% | 2,192 |
| Earnings coverage of net charge-offs (x) | 4.3443% | 2,590 |
| Efficiency ratio | 76.5117% | 2,710 |
| Assets per employee ($millions) | 0.8022% | 7,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4909% | 1,374 |
| Loan loss allowance to noncurrent loans | 85.1808% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 2.2574% | 2,639 |
| Noncurrent loans to loans | 2.9242% | 2,218 |
| Net loans and leases to total assets | 55.7977% | 4,422 |
| Net loans and leases to deposits | 64.3690% | 4,583 |
| Net loans and leases to core deposits | 65.8774% | 4,926 |
| Total domestic deposits to total assets | 86.6841% | 3,125 |
| Equity capital to assets | 11.8434% | 2,154 |
| Core capital (leverage) ratio | 13.5012% | 953 |
| Tier 1 risk-based capital ratio | 22.4446% | 1,219 |
| Total risk-based capital ratio | 23.7098% | 1,194 |
| Memoranda: | ||
| Average total assets | $292,468,000 | 2,223 |
| Average earning assets | $239,011,000 | 2,456 |
| Average equity | $34,843,000 | 1,987 |
| Average total loans | $172,563,000 | 2,336 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 4,175 |
| Cost of funding earning assets | 0.5167% | 6,464 |
| Net interest margin | 4.2008% | 2,055 |
| Noninterest income to average assets | 8.7842% | 69 |
| Noninterest expense to average assets | 9.1623% | 84 |
| Loan and lease loss provision to assets | 0.7935% | 1,249 |
| Net operating income to assets | 2.3375% | 174 |
| Return on assets (ROA) | 2.3227% | 186 |
| Pretax return on assets | 2.3227% | 285 |
| Return on Equity (ROE) | 18.4676% | 351 |
| Retained earnings to average equity (ytd only) | 7.3871% | 1,324 |
| Net charge-offs to loans | 1.0333% | 1,685 |
| Credit loss provision to net charge-offs | 123.2454% | 2,557 |
| Earnings coverage of net charge-offs (x) | 4.8630% | 2,957 |
| Efficiency ratio | 74.5310% | 3,139 |
| Assets per employee ($millions) | 0.7556% | 7,308 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4645% | 1,365 |
| Loan loss allowance to noncurrent loans | 65.7769% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 2.9338% | 2,052 |
| Noncurrent loans to loans | 3.7467% | 1,682 |
| Net loans and leases to total assets | 59.3859% | 4,117 |
| Net loans and leases to deposits | 68.6351% | 4,342 |
| Net loans and leases to core deposits | 70.5644% | 4,712 |
| Total domestic deposits to total assets | 86.5242% | 3,019 |
| Equity capital to assets | 11.9876% | 2,138 |
| Core capital (leverage) ratio | 13.1461% | 1,089 |
| Tier 1 risk-based capital ratio | 21.7705% | 1,269 |
| Total risk-based capital ratio | 23.0357% | 1,238 |
| Memoranda: | ||
| Average total assets | $276,621,600 | 2,291 |
| Average earning assets | $231,074,000 | 2,497 |
| Average equity | $34,790,600 | 1,932 |
| Average total loans | $172,367,400 | 2,351 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 4,271 |
| Cost of funding earning assets | 0.5383% | 6,551 |
| Net interest margin | 4.2032% | 2,086 |
| Noninterest income to average assets | 8.7204% | 71 |
| Noninterest expense to average assets | 9.3061% | 83 |
| Loan and lease loss provision to assets | 0.7396% | 1,293 |
| Net operating income to assets | 2.1988% | 256 |
| Return on assets (ROA) | 2.1881% | 279 |
| Pretax return on assets | 2.1881% | 437 |
| Return on Equity (ROE) | 17.1895% | 548 |
| Retained earnings to average equity (ytd only) | 10.4570% | 738 |
| Net charge-offs to loans | 0.9120% | 1,758 |
| Credit loss provision to net charge-offs | 129.3718% | 2,456 |
| Earnings coverage of net charge-offs (x) | 5.1401% | 2,866 |
| Efficiency ratio | 76.0027% | 2,835 |
| Assets per employee ($millions) | 0.7618% | 7,388 |
| Cash dividends to net income (ytd only)* | 39.1661% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4809% | 1,422 |
| Loan loss allowance to noncurrent loans | 94.2909% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 2.1021% | 3,029 |
| Noncurrent loans to loans | 2.6312% | 2,639 |
| Net loans and leases to total assets | 59.3037% | 4,271 |
| Net loans and leases to deposits | 69.5128% | 4,379 |
| Net loans and leases to core deposits | 71.6550% | 4,759 |
| Total domestic deposits to total assets | 85.3134% | 3,605 |
| Equity capital to assets | 12.9851% | 1,624 |
| Core capital (leverage) ratio | 13.5309% | 1,032 |
| Tier 1 risk-based capital ratio | 22.1701% | 1,260 |
| Total risk-based capital ratio | 23.4353% | 1,237 |
| Memoranda: | ||
| Average total assets | $274,751,750 | 2,322 |
| Average earning assets | $230,359,250 | 2,506 |
| Average equity | $34,974,000 | 1,930 |
| Average total loans | $172,214,500 | 2,364 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 3,940 |
| Cost of funding earning assets | 0.5537% | 6,649 |
| Net interest margin | 4.2793% | 1,735 |
| Noninterest income to average assets | 8.4085% | 78 |
| Noninterest expense to average assets | 9.2175% | 85 |
| Loan and lease loss provision to assets | 0.6030% | 1,599 |
| Net operating income to assets | 2.1692% | 273 |
| Return on assets (ROA) | 2.1516% | 285 |
| Pretax return on assets | 2.1516% | 447 |
| Return on Equity (ROE) | 17.0188% | 554 |
| Retained earnings to average equity (ytd only) | 12.7988% | 408 |
| Net charge-offs to loans | 0.6557% | 2,206 |
| Credit loss provision to net charge-offs | 145.2465% | 2,109 |
| Earnings coverage of net charge-offs (x) | 6.6778% | 2,355 |
| Efficiency ratio | 76.8790% | 2,878 |
| Assets per employee ($millions) | 0.7266% | 7,463 |
| Cash dividends to net income (ytd only)* | 24.7962% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4140% | 1,564 |
| Loan loss allowance to noncurrent loans | 101.4078% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.9317% | 3,333 |
| Noncurrent loans to loans | 2.3805% | 3,009 |
| Net loans and leases to total assets | 61.4126% | 4,007 |
| Net loans and leases to deposits | 72.0438% | 4,106 |
| Net loans and leases to core deposits | 74.1456% | 4,564 |
| Total domestic deposits to total assets | 85.2435% | 3,757 |
| Equity capital to assets | 13.1552% | 1,444 |
| Core capital (leverage) ratio | 13.3773% | 1,039 |
| Tier 1 risk-based capital ratio | 21.7703% | 1,290 |
| Total risk-based capital ratio | 23.0347% | 1,262 |
| Memoranda: | ||
| Average total assets | $273,652,330 | 2,336 |
| Average earning assets | $229,012,000 | 2,538 |
| Average equity | $34,597,000 | 1,926 |
| Average total loans | $173,256,330 | 2,370 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 3,698 |
| Cost of funding earning assets | 0.5478% | 6,811 |
| Net interest margin | 4.3301% | 1,467 |
| Noninterest income to average assets | 7.5703% | 92 |
| Noninterest expense to average assets | 9.0042% | 86 |
| Loan and lease loss provision to assets | 0.4111% | 2,134 |
| Net operating income to assets | 1.7840% | 503 |
| Return on assets (ROA) | 1.7666% | 549 |
| Pretax return on assets | 1.7666% | 868 |
| Return on Equity (ROE) | 14.2566% | 942 |
| Retained earnings to average equity (ytd only) | 14.2566% | 455 |
| Net charge-offs to loans | 0.2379% | 3,125 |
| Credit loss provision to net charge-offs | 272.1154% | 1,158 |
| Earnings coverage of net charge-offs (x) | 14.5288% | 1,363 |
| Efficiency ratio | 80.3995% | 2,453 |
| Assets per employee ($millions) | 0.7680% | 7,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3463% | 1,690 |
| Loan loss allowance to noncurrent loans | 91.5663% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 2.0191% | 3,295 |
| Noncurrent loans to loans | 2.5624% | 2,930 |
| Net loans and leases to total assets | 60.8057% | 4,115 |
| Net loans and leases to deposits | 70.6946% | 4,236 |
| Net loans and leases to core deposits | 72.7775% | 4,682 |
| Total domestic deposits to total assets | 86.0118% | 3,523 |
| Equity capital to assets | 12.4895% | 1,635 |
| Core capital (leverage) ratio | 12.8519% | 1,176 |
| Tier 1 risk-based capital ratio | 21.0638% | 1,380 |
| Total risk-based capital ratio | 22.3277% | 1,351 |
| Memoranda: | ||
| Average total assets | $275,338,500 | 2,346 |
| Average earning assets | $230,756,500 | 2,537 |
| Average equity | $34,117,500 | 1,938 |
| Average total loans | $174,838,500 | 2,366 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 3,493 |
| Cost of funding earning assets | 0.6463% | 7,013 |
| Net interest margin | 4.5773% | 1,056 |
| Noninterest income to average assets | 8.1079% | 82 |
| Noninterest expense to average assets | 8.7956% | 98 |
| Loan and lease loss provision to assets | 0.7319% | 2,243 |
| Net operating income to assets | 1.5507% | 688 |
| Return on assets (ROA) | 1.5374% | 769 |
| Pretax return on assets | 2.3726% | 224 |
| Return on Equity (ROE) | 11.0843% | 1,559 |
| Retained earnings to average equity (ytd only) | -4.9743% | 6,296 |
| Net charge-offs to loans | 1.1119% | 2,002 |
| Credit loss provision to net charge-offs | 102.1784% | 4,432 |
| Earnings coverage of net charge-offs (x) | 4.3626% | 2,951 |
| Efficiency ratio | 73.7853% | 3,445 |
| Assets per employee ($millions) | 0.7492% | 7,605 |
| Cash dividends to net income (ytd only)* | 144.8768% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1623% | 1,938 |
| Loan loss allowance to noncurrent loans | 95.1545% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.9661% | 3,385 |
| Noncurrent loans to loans | 2.2725% | 3,249 |
| Net loans and leases to total assets | 63.3358% | 4,001 |
| Net loans and leases to deposits | 73.4344% | 4,289 |
| Net loans and leases to core deposits | 76.0562% | 4,705 |
| Total domestic deposits to total assets | 86.2481% | 3,231 |
| Equity capital to assets | 12.2924% | 1,753 |
| Core capital (leverage) ratio | 12.9313% | 1,152 |
| Tier 1 risk-based capital ratio | 19.5051% | 1,593 |
| Total risk-based capital ratio | 20.7663% | 1,562 |
| Memoranda: | ||
| Average total assets | $269,156,400 | 2,365 |
| Average earning assets | $224,193,200 | 2,580 |
| Average equity | $37,332,200 | 1,772 |
| Average total loans | $173,389,600 | 2,426 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3544% | 3,097 |
| Cost of funding earning assets | 0.6654% | 7,140 |
| Net interest margin | 4.6890% | 864 |
| Noninterest income to average assets | 8.1093% | 81 |
| Noninterest expense to average assets | 9.1293% | 90 |
| Loan and lease loss provision to assets | 0.7028% | 2,180 |
| Net operating income to assets | 1.4206% | 1,072 |
| Return on assets (ROA) | 1.4080% | 1,159 |
| Pretax return on assets | 2.1536% | 451 |
| Return on Equity (ROE) | 9.8632% | 2,175 |
| Retained earnings to average equity (ytd only) | 9.8632% | 824 |
| Net charge-offs to loans | 0.8887% | 2,221 |
| Credit loss provision to net charge-offs | 122.9094% | 3,342 |
| Earnings coverage of net charge-offs (x) | 5.0296% | 2,866 |
| Efficiency ratio | 76.0455% | 2,943 |
| Assets per employee ($millions) | 0.8009% | 7,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3076% | 1,616 |
| Loan loss allowance to noncurrent loans | 115.5922% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.8776% | 3,638 |
| Noncurrent loans to loans | 1.9964% | 3,684 |
| Net loans and leases to total assets | 66.1967% | 3,644 |
| Net loans and leases to deposits | 79.6969% | 3,498 |
| Net loans and leases to core deposits | 82.6914% | 4,131 |
| Total domestic deposits to total assets | 83.0605% | 4,572 |
| Equity capital to assets | 15.2756% | 831 |
| Core capital (leverage) ratio | 14.5872% | 799 |
| Tier 1 risk-based capital ratio | 21.9263% | 1,219 |
| Total risk-based capital ratio | 23.1890% | 1,191 |
| Memoranda: | ||
| Average total assets | $267,704,000 | 2,416 |
| Average earning assets | $222,417,250 | 2,638 |
| Average equity | $38,215,250 | 1,743 |
| Average total loans | $172,236,750 | 2,485 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2797% | 3,563 |
| Cost of funding earning assets | 0.6706% | 7,257 |
| Net interest margin | 4.6092% | 975 |
| Noninterest income to average assets | 7.8956% | 86 |
| Noninterest expense to average assets | 9.0252% | 96 |
| Loan and lease loss provision to assets | 0.5929% | 2,409 |
| Net operating income to assets | 1.3887% | 1,113 |
| Return on assets (ROA) | 1.3887% | 1,179 |
| Pretax return on assets | 2.1038% | 486 |
| Return on Equity (ROE) | 9.9522% | 2,126 |
| Retained earnings to average equity (ytd only) | 9.9522% | 857 |
| Net charge-offs to loans | 0.7070% | 2,451 |
| Credit loss provision to net charge-offs | 132.6159% | 3,037 |
| Earnings coverage of net charge-offs (x) | 6.0315% | 2,543 |
| Efficiency ratio | 76.9940% | 2,894 |
| Assets per employee ($millions) | 0.7877% | 7,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2964% | 1,588 |
| Loan loss allowance to noncurrent loans | 103.1959% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.9099% | 3,607 |
| Noncurrent loans to loans | 2.2253% | 3,454 |
| Net loans and leases to total assets | 64.1731% | 4,228 |
| Net loans and leases to deposits | 76.4887% | 4,241 |
| Net loans and leases to core deposits | 79.1560% | 4,785 |
| Total domestic deposits to total assets | 83.8989% | 4,147 |
| Equity capital to assets | 14.5819% | 990 |
| Core capital (leverage) ratio | 14.1198% | 902 |
| Tier 1 risk-based capital ratio | 21.3213% | 1,297 |
| Total risk-based capital ratio | 22.5840% | 1,262 |
| Memoranda: | ||
| Average total assets | $270,177,000 | 2,421 |
| Average earning assets | $224,291,670 | 2,636 |
| Average equity | $37,700,330 | 1,764 |
| Average total loans | $170,859,000 | 2,528 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2373% | 3,847 |
| Cost of funding earning assets | 0.6841% | 7,365 |
| Net interest margin | 4.5531% | 1,042 |
| Noninterest income to average assets | 7.3913% | 93 |
| Noninterest expense to average assets | 8.8165% | 102 |
| Loan and lease loss provision to assets | 0.3816% | 3,073 |
| Net operating income to assets | 1.2696% | 1,363 |
| Return on assets (ROA) | 1.2696% | 1,436 |
| Pretax return on assets | 1.9638% | 648 |
| Return on Equity (ROE) | 9.3021% | 2,375 |
| Retained earnings to average equity (ytd only) | 9.3021% | 1,318 |
| Net charge-offs to loans | 0.4518% | 2,691 |
| Credit loss provision to net charge-offs | 136.1257% | 2,599 |
| Earnings coverage of net charge-offs (x) | 8.3665% | 1,965 |
| Efficiency ratio | 78.9875% | 2,729 |
| Assets per employee ($millions) | 0.7850% | 7,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2717% | 1,621 |
| Loan loss allowance to noncurrent loans | 99.4611% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 2.0580% | 3,436 |
| Noncurrent loans to loans | 2.2840% | 3,409 |
| Net loans and leases to total assets | 62.2893% | 4,699 |
| Net loans and leases to deposits | 73.8282% | 4,764 |
| Net loans and leases to core deposits | 76.3770% | 5,206 |
| Total domestic deposits to total assets | 84.3705% | 3,967 |
| Equity capital to assets | 14.0613% | 1,121 |
| Core capital (leverage) ratio | 13.4138% | 1,103 |
| Tier 1 risk-based capital ratio | 21.1474% | 1,316 |
| Total risk-based capital ratio | 22.4094% | 1,294 |
| Memoranda: | ||
| Average total assets | $272,535,500 | 2,450 |
| Average earning assets | $225,690,000 | 2,679 |
| Average equity | $37,196,000 | 1,807 |
| Average total loans | $169,109,500 | 2,627 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3668% | 4,854 |
| Cost of funding earning assets | 0.8061% | 7,544 |
| Net interest margin | 4.5606% | 1,057 |
| Noninterest income to average assets | 7.8258% | 89 |
| Noninterest expense to average assets | 8.6896% | 118 |
| Loan and lease loss provision to assets | 0.8081% | 2,710 |
| Net operating income to assets | 1.3857% | 874 |
| Return on assets (ROA) | 1.3857% | 930 |
| Pretax return on assets | 2.1403% | 318 |
| Return on Equity (ROE) | 10.4522% | 1,566 |
| Retained earnings to average equity (ytd only) | 6.0009% | 1,340 |
| Net charge-offs to loans | 1.1975% | 2,056 |
| Credit loss provision to net charge-offs | 110.9929% | 4,952 |
| Earnings coverage of net charge-offs (x) | 4.0496% | 3,087 |
| Efficiency ratio | 74.6657% | 3,767 |
| Assets per employee ($millions) | 0.7971% | 7,963 |
| Cash dividends to net income (ytd only)* | 42.5872% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2715% | 1,532 |
| Loan loss allowance to noncurrent loans | 223.1536% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 4,692 |
| Noncurrent loans to loans | 1.0179% | 5,279 |
| Net loans and leases to total assets | 59.0501% | 5,482 |
| Net loans and leases to deposits | 69.1923% | 5,698 |
| Net loans and leases to core deposits | 76.6702% | 6,360 |
| Total domestic deposits to total assets | 85.3420% | 3,389 |
| Equity capital to assets | 13.2494% | 1,412 |
| Core capital (leverage) ratio | 13.1698% | 1,190 |
| Tier 1 risk-based capital ratio | 20.8589% | 1,319 |
| Total risk-based capital ratio | 22.1208% | 1,283 |
| Memoranda: | ||
| Average total assets | $271,128,200 | 2,410 |
| Average earning assets | $226,636,200 | 2,631 |
| Average equity | $35,944,600 | 1,874 |
| Average total loans | $164,836,600 | 2,688 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3409% | 5,218 |
| Cost of funding earning assets | 0.8334% | 7,650 |
| Net interest margin | 4.5075% | 1,177 |
| Noninterest income to average assets | 7.7313% | 97 |
| Noninterest expense to average assets | 8.8347% | 124 |
| Loan and lease loss provision to assets | 0.7805% | 2,423 |
| Net operating income to assets | 1.2256% | 1,404 |
| Return on assets (ROA) | 1.2256% | 1,465 |
| Pretax return on assets | 1.8855% | 677 |
| Return on Equity (ROE) | 9.2435% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.2435% | 787 |
| Net charge-offs to loans | 1.0787% | 1,845 |
| Credit loss provision to net charge-offs | 118.8253% | 4,264 |
| Earnings coverage of net charge-offs (x) | 4.0587% | 3,281 |
| Efficiency ratio | 76.8192% | 3,357 |
| Assets per employee ($millions) | 0.7795% | 8,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2866% | 1,315 |
| Loan loss allowance to noncurrent loans | 178.3558% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 1.4918% | 4,136 |
| Noncurrent loans to loans | 1.2820% | 4,797 |
| Net loans and leases to total assets | 61.9138% | 5,260 |
| Net loans and leases to deposits | 73.2265% | 5,479 |
| Net loans and leases to core deposits | 81.6029% | 6,223 |
| Total domestic deposits to total assets | 84.5511% | 3,452 |
| Equity capital to assets | 13.9722% | 1,316 |
| Core capital (leverage) ratio | 13.7060% | 1,166 |
| Tier 1 risk-based capital ratio | 21.2237% | 1,341 |
| Total risk-based capital ratio | 22.4858% | 1,320 |
| Memoranda: | ||
| Average total assets | $269,565,750 | 2,431 |
| Average earning assets | $225,425,000 | 2,667 |
| Average equity | $35,743,000 | 1,905 |
| Average total loans | $164,146,000 | 2,723 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2981% | 5,668 |
| Cost of funding earning assets | 0.8627% | 7,738 |
| Net interest margin | 4.4354% | 1,321 |
| Noninterest income to average assets | 7.6031% | 93 |
| Noninterest expense to average assets | 8.6050% | 146 |
| Loan and lease loss provision to assets | 0.6817% | 2,384 |
| Net operating income to assets | 1.3140% | 1,198 |
| Return on assets (ROA) | 1.3140% | 1,270 |
| Pretax return on assets | 2.0260% | 526 |
| Return on Equity (ROE) | 10.0868% | 1,992 |
| Retained earnings to average equity (ytd only) | 10.0868% | 715 |
| Net charge-offs to loans | 0.9467% | 1,831 |
| Credit loss provision to net charge-offs | 119.8444% | 3,878 |
| Earnings coverage of net charge-offs (x) | 4.7601% | 3,012 |
| Efficiency ratio | 76.0647% | 3,679 |
| Assets per employee ($millions) | 0.7682% | 8,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3159% | 1,081 |
| Loan loss allowance to noncurrent loans | 68.7672% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 2.5776% | 2,501 |
| Noncurrent loans to loans | 3.3678% | 2,089 |
| Net loans and leases to total assets | 61.1670% | 5,491 |
| Net loans and leases to deposits | 72.3586% | 5,692 |
| Net loans and leases to core deposits | 81.0236% | 6,319 |
| Total domestic deposits to total assets | 84.5332% | 3,483 |
| Equity capital to assets | 14.0298% | 1,304 |
| Core capital (leverage) ratio | 13.5699% | 1,249 |
| Tier 1 risk-based capital ratio | 21.8920% | 1,271 |
| Total risk-based capital ratio | 22.9273% | 1,274 |
| Memoranda: | ||
| Average total assets | $271,074,000 | 2,437 |
| Average earning assets | $226,720,670 | 2,670 |
| Average equity | $35,313,330 | 1,923 |
| Average total loans | $162,882,330 | 2,770 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2051% | 6,276 |
| Cost of funding earning assets | 0.8962% | 7,817 |
| Net interest margin | 4.3089% | 1,579 |
| Noninterest income to average assets | 7.0775% | 94 |
| Noninterest expense to average assets | 8.3601% | 143 |
| Loan and lease loss provision to assets | 0.4842% | 2,542 |
| Net operating income to assets | 1.1990% | 1,654 |
| Return on assets (ROA) | 1.1990% | 1,768 |
| Pretax return on assets | 1.8432% | 903 |
| Return on Equity (ROE) | 9.5457% | 2,516 |
| Retained earnings to average equity (ytd only) | 9.5457% | 1,326 |
| Net charge-offs to loans | 0.7583% | 1,685 |
| Credit loss provision to net charge-offs | 108.3871% | 3,540 |
| Earnings coverage of net charge-offs (x) | 5.2097% | 2,723 |
| Efficiency ratio | 78.2228% | 3,130 |
| Assets per employee ($millions) | 0.7901% | 8,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2081% | 1,073 |
| Loan loss allowance to noncurrent loans | 89.8608% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 3,181 |
| Noncurrent loans to loans | 2.4573% | 2,687 |
| Net loans and leases to total assets | 57.9141% | 5,953 |
| Net loans and leases to deposits | 67.2959% | 6,245 |
| Net loans and leases to core deposits | 74.7257% | 6,762 |
| Total domestic deposits to total assets | 86.0589% | 2,681 |
| Equity capital to assets | 12.7571% | 1,854 |
| Core capital (leverage) ratio | 12.5350% | 1,671 |
| Tier 1 risk-based capital ratio | 21.0316% | 1,444 |
| Total risk-based capital ratio | 22.2932% | 1,414 |
| Memoranda: | ||
| Average total assets | $277,557,000 | 2,408 |
| Average earning assets | $232,541,000 | 2,615 |
| Average equity | $34,864,000 | 1,953 |
| Average total loans | $163,513,500 | 2,789 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9415% | 5,843 |
| Cost of funding earning assets | 1.3521% | 7,795 |
| Net interest margin | 4.5894% | 1,211 |
| Noninterest income to average assets | 8.0288% | 87 |
| Noninterest expense to average assets | 8.3513% | 206 |
| Loan and lease loss provision to assets | 1.0222% | 1,437 |
| Net operating income to assets | 1.6218% | 806 |
| Return on assets (ROA) | 1.6218% | 764 |
| Pretax return on assets | 2.5122% | 192 |
| Return on Equity (ROE) | 12.8572% | 1,367 |
| Retained earnings to average equity (ytd only) | 10.4135% | 395 |
| Net charge-offs to loans | 1.6177% | 701 |
| Credit loss provision to net charge-offs | 100.3784% | 5,279 |
| Earnings coverage of net charge-offs (x) | 3.4707% | 4,354 |
| Efficiency ratio | 70.2629% | 4,301 |
| Assets per employee ($millions) | 0.8218% | 8,248 |
| Cash dividends to net income (ytd only)* | 19.0069% | 4,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1989% | 946 |
| Loan loss allowance to noncurrent loans | 83.9177% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.9229% | 2,553 |
| Noncurrent loans to loans | 2.6202% | 2,069 |
| Net loans and leases to total assets | 57.3153% | 6,304 |
| Net loans and leases to deposits | 66.2816% | 6,624 |
| Net loans and leases to core deposits | 73.4627% | 6,997 |
| Total domestic deposits to total assets | 86.4724% | 2,182 |
| Equity capital to assets | 12.3664% | 2,078 |
| Core capital (leverage) ratio | 12.4048% | 1,786 |
| Tier 1 risk-based capital ratio | 19.4700% | 1,710 |
| Total risk-based capital ratio | 20.7300% | 1,668 |
| Memoranda: | ||
| Average total assets | $259,528,800 | 2,466 |
| Average earning assets | $218,109,200 | 2,676 |
| Average equity | $32,736,400 | 2,071 |
| Average total loans | $163,383,400 | 2,723 |