Home > The Croghan Colonial Bank > Performance and Condition Ratios
The Croghan Colonial Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1950% | 2,735 |
| Cost of funding earning assets | 1.7205% | 2,678 |
| Net interest margin | 3.4745% | 2,377 |
| Noninterest income to average assets | 0.5500% | 1,525 |
| Noninterest expense to average assets | 2.6386% | 1,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8961% | 2,586 |
| Return on assets (ROA) | 0.8988% | 2,589 |
| Pretax return on assets | 1.1131% | 2,471 |
| Return on Equity (ROE) | 8.3700% | 2,774 |
| Retained earnings to average equity (ytd only) | 1.6762% | 3,382 |
| Net charge-offs to loans | 0.0016% | 2,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 1,079.0000% | 88 |
| Efficiency ratio | 70.3951% | 1,764 |
| Assets per employee ($millions) | 5.5550% | 3,278 |
| Cash dividends to net income (ytd only)* | 79.9771% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,290 |
| Loan loss allowance to noncurrent loans | 1,194.0934% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,245 |
| Noncurrent loans to loans | 0.0989% | 3,168 |
| Net loans and leases to total assets | 61.5000% | 2,749 |
| Net loans and leases to deposits | 73.1899% | 2,626 |
| Net loans and leases to core deposits | 77.1178% | 2,883 |
| Total domestic deposits to total assets | 84.0300% | 2,893 |
| Equity capital to assets | 10.7195% | 1,810 |
| Core capital (leverage) ratio | 11.1342% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9155% | 1,548 |
| Memoranda: | ||
| Average total assets | $1,166,833,500 | 902 |
| Average earning assets | $1,074,575,500 | 898 |
| Average equity | $125,287,000 | 881 |
| Average total loans | $735,532,000 | 988 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 2,874 |
| Cost of funding earning assets | 1.7177% | 2,911 |
| Net interest margin | 3.4093% | 2,268 |
| Noninterest income to average assets | 0.6900% | 1,210 |
| Noninterest expense to average assets | 2.6691% | 1,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9321% | 2,277 |
| Return on assets (ROA) | 0.8983% | 2,391 |
| Pretax return on assets | 1.1065% | 2,217 |
| Return on Equity (ROE) | 8.2700% | 2,673 |
| Retained earnings to average equity (ytd only) | 3.9889% | 2,630 |
| Net charge-offs to loans | 0.0240% | 2,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 75.1329% | 971 |
| Efficiency ratio | 69.9190% | 2,003 |
| Assets per employee ($millions) | 5.5577% | 3,250 |
| Cash dividends to net income (ytd only)* | 51.7801% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 2,256 |
| Loan loss allowance to noncurrent loans | 1,064.3819% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,176 |
| Noncurrent loans to loans | 0.1112% | 3,078 |
| Net loans and leases to total assets | 63.1100% | 2,659 |
| Net loans and leases to deposits | 76.8846% | 2,371 |
| Net loans and leases to core deposits | 81.1155% | 2,698 |
| Total domestic deposits to total assets | 82.0800% | 3,228 |
| Equity capital to assets | 10.7558% | 1,692 |
| Core capital (leverage) ratio | 11.3211% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7182% | 1,609 |
| Memoranda: | ||
| Average total assets | $1,131,925,400 | 921 |
| Average earning assets | $1,039,163,600 | 916 |
| Average equity | $122,916,200 | 868 |
| Average total loans | $721,874,600 | 983 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0793% | 2,903 |
| Cost of funding earning assets | 1.7210% | 2,908 |
| Net interest margin | 3.3583% | 2,321 |
| Noninterest income to average assets | 0.7100% | 1,111 |
| Noninterest expense to average assets | 2.6201% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9525% | 2,204 |
| Return on assets (ROA) | 0.9204% | 2,315 |
| Pretax return on assets | 1.1276% | 2,177 |
| Return on Equity (ROE) | 8.4600% | 2,621 |
| Retained earnings to average equity (ytd only) | 5.8358% | 2,140 |
| Net charge-offs to loans | 0.0024% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 758.8462% | 169 |
| Efficiency ratio | 69.1892% | 2,121 |
| Assets per employee ($millions) | 5.5993% | 3,187 |
| Cash dividends to net income (ytd only)* | 30.9818% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,098 |
| Loan loss allowance to noncurrent loans | 896.3563% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 3,115 |
| Noncurrent loans to loans | 0.1364% | 2,994 |
| Net loans and leases to total assets | 62.3200% | 2,697 |
| Net loans and leases to deposits | 76.5082% | 2,483 |
| Net loans and leases to core deposits | 80.3970% | 2,785 |
| Total domestic deposits to total assets | 81.4500% | 3,214 |
| Equity capital to assets | 11.3168% | 1,562 |
| Core capital (leverage) ratio | 11.3028% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9854% | 1,540 |
| Memoranda: | ||
| Average total assets | $1,127,295,500 | 908 |
| Average earning assets | $1,034,392,250 | 913 |
| Average equity | $122,710,500 | 861 |
| Average total loans | $718,668,750 | 984 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 2,985 |
| Cost of funding earning assets | 1.6781% | 2,906 |
| Net interest margin | 3.3038% | 2,401 |
| Noninterest income to average assets | 0.7600% | 952 |
| Noninterest expense to average assets | 2.6334% | 1,857 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9491% | 2,153 |
| Return on assets (ROA) | 0.9491% | 2,154 |
| Pretax return on assets | 1.1535% | 2,052 |
| Return on Equity (ROE) | 8.8400% | 2,496 |
| Retained earnings to average equity (ytd only) | 6.8504% | 1,695 |
| Net charge-offs to loans | -0.0003% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 69.5404% | 2,168 |
| Assets per employee ($millions) | 5.1495% | 3,501 |
| Cash dividends to net income (ytd only)* | 22.4939% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,159 |
| Loan loss allowance to noncurrent loans | 726.4537% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 2,920 |
| Noncurrent loans to loans | 0.1675% | 2,834 |
| Net loans and leases to total assets | 64.1300% | 2,545 |
| Net loans and leases to deposits | 77.8431% | 2,400 |
| Net loans and leases to core deposits | 81.7213% | 2,685 |
| Total domestic deposits to total assets | 82.3900% | 2,997 |
| Equity capital to assets | 10.9160% | 1,607 |
| Core capital (leverage) ratio | 11.7661% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8981% | 1,551 |
| Memoranda: | ||
| Average total assets | $1,120,443,000 | 917 |
| Average earning assets | $1,026,984,667 | 918 |
| Average equity | $120,314,000 | 874 |
| Average total loans | $716,835,667 | 986 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9114% | 2,963 |
| Cost of funding earning assets | 1.6314% | 2,908 |
| Net interest margin | 3.2800% | 2,383 |
| Noninterest income to average assets | 0.8800% | 697 |
| Noninterest expense to average assets | 2.6201% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0531% | 1,793 |
| Return on assets (ROA) | 1.0531% | 1,797 |
| Pretax return on assets | 1.2593% | 1,732 |
| Return on Equity (ROE) | 9.8900% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.8893% | 1,135 |
| Net charge-offs to loans | 0.0017% | 2,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 1,174.6667% | 70 |
| Efficiency ratio | 67.5387% | 2,425 |
| Assets per employee ($millions) | 5.2627% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 1,998 |
| Loan loss allowance to noncurrent loans | 1,030.9302% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,137 |
| Noncurrent loans to loans | 0.1214% | 3,003 |
| Net loans and leases to total assets | 62.4300% | 2,624 |
| Net loans and leases to deposits | 76.3093% | 2,398 |
| Net loans and leases to core deposits | 79.7668% | 2,739 |
| Total domestic deposits to total assets | 81.8100% | 3,212 |
| Equity capital to assets | 10.7427% | 1,610 |
| Core capital (leverage) ratio | 11.7472% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2981% | 1,456 |
| Memoranda: | ||
| Average total assets | $1,119,367,000 | 921 |
| Average earning assets | $1,024,384,000 | 924 |
| Average equity | $119,200,000 | 882 |
| Average total loans | $710,847,000 | 992 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 2,715 |
| Cost of funding earning assets | 1.1263% | 3,000 |
| Net interest margin | 3.5591% | 2,047 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.6551% | 1,859 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9766% | 2,286 |
| Return on assets (ROA) | 0.8997% | 2,522 |
| Pretax return on assets | 1.1032% | 2,403 |
| Return on Equity (ROE) | 9.0100% | 2,753 |
| Retained earnings to average equity (ytd only) | 5.7267% | 2,347 |
| Net charge-offs to loans | 0.0195% | 1,965 |
| Credit loss provision to net charge-offs | 53.9568% | 2,180 |
| Earnings coverage of net charge-offs (x) | 96.3597% | 920 |
| Efficiency ratio | 68.6199% | 2,044 |
| Assets per employee ($millions) | 5.2975% | 3,398 |
| Cash dividends to net income (ytd only)* | 36.4499% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 2,053 |
| Loan loss allowance to noncurrent loans | 1,245.6461% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 3,146 |
| Noncurrent loans to loans | 0.0999% | 3,041 |
| Net loans and leases to total assets | 62.9900% | 2,575 |
| Net loans and leases to deposits | 79.1426% | 2,175 |
| Net loans and leases to core deposits | 82.4723% | 2,553 |
| Total domestic deposits to total assets | 79.6000% | 3,524 |
| Equity capital to assets | 10.5548% | 1,704 |
| Core capital (leverage) ratio | 11.5297% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7311% | 1,618 |
| Memoranda: | ||
| Average total assets | $1,112,720,200 | 901 |
| Average earning assets | $1,014,382,800 | 898 |
| Average equity | $111,094,200 | 881 |
| Average total loans | $712,496,400 | 941 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 2,693 |
| Cost of funding earning assets | 0.8926% | 2,947 |
| Net interest margin | 3.5899% | 2,059 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.6208% | 1,870 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.0206% | 2,355 |
| Return on assets (ROA) | 0.9852% | 2,456 |
| Pretax return on assets | 1.2026% | 2,351 |
| Return on Equity (ROE) | 9.9800% | 2,707 |
| Retained earnings to average equity (ytd only) | 5.5546% | 2,763 |
| Net charge-offs to loans | 0.0107% | 1,803 |
| Credit loss provision to net charge-offs | 131.5789% | 1,277 |
| Earnings coverage of net charge-offs (x) | 184.5789% | 653 |
| Efficiency ratio | 67.4421% | 2,055 |
| Assets per employee ($millions) | 5.0075% | 3,596 |
| Cash dividends to net income (ytd only)* | 44.3537% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 2,202 |
| Loan loss allowance to noncurrent loans | 1,694.1288% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,279 |
| Noncurrent loans to loans | 0.0735% | 3,165 |
| Net loans and leases to total assets | 63.5600% | 2,425 |
| Net loans and leases to deposits | 78.4767% | 2,092 |
| Net loans and leases to core deposits | 80.6042% | 2,429 |
| Total domestic deposits to total assets | 81.0000% | 3,431 |
| Equity capital to assets | 10.0550% | 1,823 |
| Core capital (leverage) ratio | 10.9593% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4424% | 1,741 |
| Memoranda: | ||
| Average total assets | $1,118,123,333 | 894 |
| Average earning assets | $1,019,018,000 | 895 |
| Average equity | $110,358,000 | 874 |
| Average total loans | $710,582,667 | 925 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4174% | 2,511 |
| Cost of funding earning assets | 0.7619% | 2,866 |
| Net interest margin | 3.6555% | 2,003 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.5791% | 2,011 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.0971% | 2,241 |
| Return on assets (ROA) | 1.0264% | 2,415 |
| Pretax return on assets | 1.2441% | 2,321 |
| Return on Equity (ROE) | 10.5000% | 2,633 |
| Retained earnings to average equity (ytd only) | 6.0148% | 2,759 |
| Net charge-offs to loans | -0.0017% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.4893% | 2,271 |
| Assets per employee ($millions) | 5.3117% | 3,401 |
| Cash dividends to net income (ytd only)* | 42.7029% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,246 |
| Loan loss allowance to noncurrent loans | 1,458.7662% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 3,208 |
| Noncurrent loans to loans | 0.0863% | 3,121 |
| Net loans and leases to total assets | 63.1600% | 2,341 |
| Net loans and leases to deposits | 77.2258% | 2,017 |
| Net loans and leases to core deposits | 78.7711% | 2,336 |
| Total domestic deposits to total assets | 81.7900% | 3,514 |
| Equity capital to assets | 10.0979% | 1,768 |
| Core capital (leverage) ratio | 10.7538% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5290% | 1,786 |
| Memoranda: | ||
| Average total assets | $1,118,843,500 | 911 |
| Average earning assets | $1,019,600,500 | 907 |
| Average equity | $109,396,000 | 886 |
| Average total loans | $706,499,000 | 949 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 1,923 |
| Cost of funding earning assets | 0.2098% | 3,678 |
| Net interest margin | 3.7128% | 1,348 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.5608% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1971% | 1,778 |
| Return on assets (ROA) | 1.1948% | 1,729 |
| Pretax return on assets | 1.4659% | 1,553 |
| Return on Equity (ROE) | 11.4300% | 2,326 |
| Retained earnings to average equity (ytd only) | 7.2420% | 2,129 |
| Net charge-offs to loans | 0.0125% | 1,917 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 196.3253% | 649 |
| Efficiency ratio | 63.1920% | 2,606 |
| Assets per employee ($millions) | 5.4743% | 3,244 |
| Cash dividends to net income (ytd only)* | 36.6654% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,188 |
| Loan loss allowance to noncurrent loans | 1,608.5185% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,264 |
| Noncurrent loans to loans | 0.0772% | 3,205 |
| Net loans and leases to total assets | 61.5500% | 2,490 |
| Net loans and leases to deposits | 75.9442% | 2,104 |
| Net loans and leases to core deposits | 77.3252% | 2,325 |
| Total domestic deposits to total assets | 81.0500% | 3,748 |
| Equity capital to assets | 9.4592% | 2,039 |
| Core capital (leverage) ratio | 10.7088% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4759% | 1,792 |
| Memoranda: | ||
| Average total assets | $1,109,434,400 | 893 |
| Average earning assets | $1,014,550,200 | 898 |
| Average equity | $115,921,400 | 840 |
| Average total loans | $666,651,000 | 945 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 1,730 |
| Cost of funding earning assets | 0.1466% | 3,880 |
| Net interest margin | 3.6637% | 1,238 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.5420% | 1,888 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1950% | 1,711 |
| Return on assets (ROA) | 1.1919% | 1,705 |
| Pretax return on assets | 1.4614% | 1,525 |
| Return on Equity (ROE) | 11.1400% | 2,324 |
| Retained earnings to average equity (ytd only) | 7.0482% | 2,344 |
| Net charge-offs to loans | 0.0069% | 1,899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 357.5588% | 421 |
| Efficiency ratio | 63.0745% | 2,676 |
| Assets per employee ($millions) | 5.4352% | 3,287 |
| Cash dividends to net income (ytd only)* | 36.7277% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,143 |
| Loan loss allowance to noncurrent loans | 1,183.4688% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 3,198 |
| Noncurrent loans to loans | 0.1079% | 3,111 |
| Net loans and leases to total assets | 61.2200% | 2,384 |
| Net loans and leases to deposits | 72.3047% | 2,181 |
| Net loans and leases to core deposits | 73.2570% | 2,406 |
| Total domestic deposits to total assets | 84.6700% | 3,356 |
| Equity capital to assets | 9.3273% | 1,996 |
| Core capital (leverage) ratio | 10.6125% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7080% | 1,807 |
| Memoranda: | ||
| Average total assets | $1,106,236,750 | 903 |
| Average earning assets | $1,012,968,750 | 907 |
| Average equity | $118,363,250 | 841 |
| Average total loans | $658,449,000 | 954 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 1,566 |
| Cost of funding earning assets | 0.1433% | 3,659 |
| Net interest margin | 3.5449% | 1,193 |
| Noninterest income to average assets | 0.6635% | 1,488 |
| Noninterest expense to average assets | 2.5058% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1486% | 1,607 |
| Return on assets (ROA) | 1.1440% | 1,599 |
| Pretax return on assets | 1.3997% | 1,437 |
| Return on Equity (ROE) | 10.2548% | 2,241 |
| Retained earnings to average equity (ytd only) | 6.3507% | 2,221 |
| Net charge-offs to loans | 0.0092% | 1,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 259.3333% | 451 |
| Efficiency ratio | 63.6985% | 2,807 |
| Assets per employee ($millions) | 5.2195% | 3,498 |
| Cash dividends to net income (ytd only)* | 38.0704% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 2,151 |
| Loan loss allowance to noncurrent loans | 1,384.9445% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 3,354 |
| Noncurrent loans to loans | 0.0945% | 3,296 |
| Net loans and leases to total assets | 59.5376% | 2,373 |
| Net loans and leases to deposits | 71.1616% | 2,096 |
| Net loans and leases to core deposits | 72.1088% | 2,328 |
| Total domestic deposits to total assets | 83.6654% | 3,753 |
| Equity capital to assets | 9.9944% | 1,719 |
| Core capital (leverage) ratio | 10.5954% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3409% | 1,922 |
| Memoranda: | ||
| Average total assets | $1,107,199,000 | 902 |
| Average earning assets | $1,014,353,667 | 902 |
| Average equity | $123,513,333 | 808 |
| Average total loans | $649,855,667 | 957 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6274% | 1,430 |
| Cost of funding earning assets | 0.1405% | 3,622 |
| Net interest margin | 3.4869% | 1,115 |
| Noninterest income to average assets | 0.6851% | 1,369 |
| Noninterest expense to average assets | 2.4704% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1554% | 1,365 |
| Return on assets (ROA) | 1.1554% | 1,364 |
| Pretax return on assets | 1.4140% | 1,214 |
| Return on Equity (ROE) | 9.8450% | 2,024 |
| Retained earnings to average equity (ytd only) | 6.1243% | 2,209 |
| Net charge-offs to loans | 0.0069% | 1,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 355.9091% | 278 |
| Efficiency ratio | 63.2264% | 3,109 |
| Assets per employee ($millions) | 5.4197% | 3,376 |
| Cash dividends to net income (ytd only)* | 37.7931% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 2,029 |
| Loan loss allowance to noncurrent loans | 1,385.7595% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,458 |
| Noncurrent loans to loans | 0.0989% | 3,349 |
| Net loans and leases to total assets | 57.0159% | 2,415 |
| Net loans and leases to deposits | 67.9483% | 2,161 |
| Net loans and leases to core deposits | 68.8680% | 2,380 |
| Total domestic deposits to total assets | 83.9108% | 3,787 |
| Equity capital to assets | 11.0369% | 1,318 |
| Core capital (leverage) ratio | 10.5074% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7945% | 1,875 |
| Memoranda: | ||
| Average total assets | $1,107,532,500 | 904 |
| Average earning assets | $1,016,151,000 | 910 |
| Average equity | $129,974,500 | 791 |
| Average total loans | $641,012,500 | 956 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 1,373 |
| Cost of funding earning assets | 0.1789% | 3,670 |
| Net interest margin | 3.8144% | 977 |
| Noninterest income to average assets | 0.7699% | 1,536 |
| Noninterest expense to average assets | 2.5579% | 1,999 |
| Loan and lease loss provision to assets | 0.0764% | 1,590 |
| Net operating income to assets | 1.3489% | 1,447 |
| Return on assets (ROA) | 1.3484% | 1,488 |
| Pretax return on assets | 1.6567% | 1,255 |
| Return on Equity (ROE) | 10.7513% | 2,252 |
| Retained earnings to average equity (ytd only) | 7.2202% | 1,837 |
| Net charge-offs to loans | 0.0461% | 1,364 |
| Credit loss provision to net charge-offs | 263.5783% | 1,137 |
| Earnings coverage of net charge-offs (x) | 59.8179% | 1,177 |
| Efficiency ratio | 59.0779% | 3,287 |
| Assets per employee ($millions) | 5.4653% | 3,290 |
| Cash dividends to net income (ytd only)* | 32.8435% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3640% | 2,077 |
| Loan loss allowance to noncurrent loans | 1,953.0067% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,699 |
| Noncurrent loans to loans | 0.0698% | 3,589 |
| Net loans and leases to total assets | 57.1564% | 2,459 |
| Net loans and leases to deposits | 69.7789% | 2,153 |
| Net loans and leases to core deposits | 70.7385% | 2,381 |
| Total domestic deposits to total assets | 81.9106% | 3,982 |
| Equity capital to assets | 12.4317% | 1,081 |
| Core capital (leverage) ratio | 10.6359% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8610% | 1,904 |
| Memoranda: | ||
| Average total assets | $1,080,008,200 | 905 |
| Average earning assets | $997,107,200 | 908 |
| Average equity | $135,453,000 | 770 |
| Average total loans | $679,109,800 | 901 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 1,424 |
| Cost of funding earning assets | 0.1861% | 3,751 |
| Net interest margin | 3.8646% | 996 |
| Noninterest income to average assets | 0.7806% | 1,583 |
| Noninterest expense to average assets | 2.5483% | 1,979 |
| Loan and lease loss provision to assets | 0.0808% | 1,470 |
| Net operating income to assets | 1.4052% | 1,525 |
| Return on assets (ROA) | 1.4038% | 1,589 |
| Pretax return on assets | 1.7248% | 1,347 |
| Return on Equity (ROE) | 11.1679% | 2,325 |
| Retained earnings to average equity (ytd only) | 7.6328% | 2,167 |
| Net charge-offs to loans | 0.0325% | 1,412 |
| Credit loss provision to net charge-offs | 386.9048% | 873 |
| Earnings coverage of net charge-offs (x) | 86.5417% | 937 |
| Efficiency ratio | 57.9852% | 3,263 |
| Assets per employee ($millions) | 5.1885% | 3,516 |
| Cash dividends to net income (ytd only)* | 31.6540% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 2,315 |
| Loan loss allowance to noncurrent loans | 1,344.3077% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,696 |
| Noncurrent loans to loans | 0.0992% | 3,587 |
| Net loans and leases to total assets | 59.6265% | 2,309 |
| Net loans and leases to deposits | 72.7937% | 1,981 |
| Net loans and leases to core deposits | 73.8628% | 2,255 |
| Total domestic deposits to total assets | 81.9116% | 3,943 |
| Equity capital to assets | 12.6979% | 1,093 |
| Core capital (leverage) ratio | 10.4896% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7263% | 2,080 |
| Memoranda: | ||
| Average total assets | $1,072,648,250 | 917 |
| Average earning assets | $992,231,500 | 921 |
| Average equity | $134,835,500 | 787 |
| Average total loans | $688,165,000 | 906 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 1,606 |
| Cost of funding earning assets | 0.1922% | 3,831 |
| Net interest margin | 3.7908% | 1,154 |
| Noninterest income to average assets | 0.8036% | 1,525 |
| Noninterest expense to average assets | 2.5406% | 2,025 |
| Loan and lease loss provision to assets | 0.0936% | 1,339 |
| Net operating income to assets | 1.3706% | 1,652 |
| Return on assets (ROA) | 1.3706% | 1,728 |
| Pretax return on assets | 1.6794% | 1,530 |
| Return on Equity (ROE) | 10.9410% | 2,443 |
| Retained earnings to average equity (ytd only) | 7.3811% | 2,297 |
| Net charge-offs to loans | 0.0186% | 1,574 |
| Credit loss provision to net charge-offs | 769.2308% | 551 |
| Earnings coverage of net charge-offs (x) | 145.7538% | 598 |
| Efficiency ratio | 58.3688% | 3,236 |
| Assets per employee ($millions) | 5.2404% | 3,420 |
| Cash dividends to net income (ytd only)* | 32.5369% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 2,523 |
| Loan loss allowance to noncurrent loans | 1,131.7708% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,718 |
| Noncurrent loans to loans | 0.1133% | 3,625 |
| Net loans and leases to total assets | 61.3858% | 2,252 |
| Net loans and leases to deposits | 74.9188% | 1,918 |
| Net loans and leases to core deposits | 76.0179% | 2,235 |
| Total domestic deposits to total assets | 81.9365% | 3,937 |
| Equity capital to assets | 12.4804% | 1,139 |
| Core capital (leverage) ratio | 10.3226% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5361% | 2,153 |
| Memoranda: | ||
| Average total assets | $1,068,734,000 | 914 |
| Average earning assets | $989,544,000 | 915 |
| Average equity | $133,882,333 | 789 |
| Average total loans | $699,112,667 | 895 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0270% | 1,553 |
| Cost of funding earning assets | 0.2022% | 3,890 |
| Net interest margin | 3.8248% | 1,093 |
| Noninterest income to average assets | 0.7735% | 1,652 |
| Noninterest expense to average assets | 2.5381% | 2,061 |
| Loan and lease loss provision to assets | 0.1229% | 1,123 |
| Net operating income to assets | 1.3526% | 1,676 |
| Return on assets (ROA) | 1.3526% | 1,766 |
| Pretax return on assets | 1.6596% | 1,582 |
| Return on Equity (ROE) | 10.7767% | 2,430 |
| Retained earnings to average equity (ytd only) | 7.2286% | 2,497 |
| Net charge-offs to loans | -0.0107% | 3,693 |
| Credit loss provision to net charge-offs | -1,710.5263% | 3,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2116% | 3,271 |
| Assets per employee ($millions) | 5.2920% | 3,345 |
| Cash dividends to net income (ytd only)* | 32.9234% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,866 |
| Loan loss allowance to noncurrent loans | 784.6715% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 3,666 |
| Noncurrent loans to loans | 0.1546% | 3,560 |
| Net loans and leases to total assets | 64.2485% | 2,011 |
| Net loans and leases to deposits | 77.9871% | 1,717 |
| Net loans and leases to core deposits | 79.1791% | 2,079 |
| Total domestic deposits to total assets | 82.3835% | 3,815 |
| Equity capital to assets | 12.1315% | 1,230 |
| Core capital (leverage) ratio | 10.4085% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6185% | 2,038 |
| Memoranda: | ||
| Average total assets | $1,058,097,000 | 915 |
| Average earning assets | $981,283,000 | 912 |
| Average equity | $132,805,000 | 789 |
| Average total loans | $709,768,000 | 890 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3866% | 1,628 |
| Cost of funding earning assets | 0.3062% | 4,106 |
| Net interest margin | 4.0804% | 823 |
| Noninterest income to average assets | 0.8378% | 1,426 |
| Noninterest expense to average assets | 2.6918% | 2,262 |
| Loan and lease loss provision to assets | 0.2588% | 1,500 |
| Net operating income to assets | 1.3429% | 1,140 |
| Return on assets (ROA) | 1.3669% | 1,180 |
| Pretax return on assets | 1.6696% | 906 |
| Return on Equity (ROE) | 10.2733% | 1,898 |
| Retained earnings to average equity (ytd only) | 6.7522% | 1,486 |
| Net charge-offs to loans | 0.0270% | 2,492 |
| Credit loss provision to net charge-offs | 1,337.8378% | 626 |
| Earnings coverage of net charge-offs (x) | 98.1676% | 794 |
| Efficiency ratio | 57.8766% | 3,738 |
| Assets per employee ($millions) | 5.1560% | 3,217 |
| Cash dividends to net income (ytd only)* | 34.2743% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 3,148 |
| Loan loss allowance to noncurrent loans | 659.4249% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 3,673 |
| Noncurrent loans to loans | 0.1762% | 3,578 |
| Net loans and leases to total assets | 68.4450% | 1,770 |
| Net loans and leases to deposits | 86.1233% | 1,248 |
| Net loans and leases to core deposits | 87.6637% | 1,724 |
| Total domestic deposits to total assets | 79.4732% | 4,145 |
| Equity capital to assets | 12.9973% | 1,085 |
| Core capital (leverage) ratio | 10.3670% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3744% | 2,494 |
| Memoranda: | ||
| Average total assets | $956,277,600 | 914 |
| Average earning assets | $879,572,800 | 924 |
| Average equity | $127,232,800 | 777 |
| Average total loans | $684,021,800 | 883 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4106% | 1,823 |
| Cost of funding earning assets | 0.3309% | 4,151 |
| Net interest margin | 4.0798% | 934 |
| Noninterest income to average assets | 0.8069% | 1,473 |
| Noninterest expense to average assets | 2.7195% | 2,206 |
| Loan and lease loss provision to assets | 0.2450% | 1,660 |
| Net operating income to assets | 1.3072% | 1,343 |
| Return on assets (ROA) | 1.3398% | 1,354 |
| Pretax return on assets | 1.6298% | 1,105 |
| Return on Equity (ROE) | 10.0065% | 2,020 |
| Retained earnings to average equity (ytd only) | 6.4532% | 1,904 |
| Net charge-offs to loans | 0.0081% | 2,825 |
| Credit loss provision to net charge-offs | 4,207.3171% | 263 |
| Earnings coverage of net charge-offs (x) | 315.1463% | 342 |
| Efficiency ratio | 58.9336% | 3,527 |
| Assets per employee ($millions) | 4.9654% | 3,292 |
| Cash dividends to net income (ytd only)* | 35.5099% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,412 |
| Loan loss allowance to noncurrent loans | 529.7784% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 3,677 |
| Noncurrent loans to loans | 0.2000% | 3,589 |
| Net loans and leases to total assets | 71.2109% | 1,785 |
| Net loans and leases to deposits | 88.2726% | 1,452 |
| Net loans and leases to core deposits | 89.9380% | 1,971 |
| Total domestic deposits to total assets | 80.6715% | 3,734 |
| Equity capital to assets | 13.0509% | 1,159 |
| Core capital (leverage) ratio | 10.5211% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0326% | 2,186 |
| Memoranda: | ||
| Average total assets | $938,838,000 | 924 |
| Average earning assets | $862,382,250 | 924 |
| Average equity | $125,701,750 | 778 |
| Average total loans | $677,395,750 | 888 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 2,156 |
| Cost of funding earning assets | 0.3646% | 4,202 |
| Net interest margin | 4.0564% | 1,205 |
| Noninterest income to average assets | 0.7669% | 1,533 |
| Noninterest expense to average assets | 2.7513% | 2,208 |
| Loan and lease loss provision to assets | 0.2398% | 1,756 |
| Net operating income to assets | 1.2302% | 1,546 |
| Return on assets (ROA) | 1.2803% | 1,528 |
| Pretax return on assets | 1.5524% | 1,340 |
| Return on Equity (ROE) | 9.4750% | 2,165 |
| Retained earnings to average equity (ytd only) | 5.9241% | 2,115 |
| Net charge-offs to loans | 0.0160% | 2,422 |
| Credit loss provision to net charge-offs | 2,075.4717% | 467 |
| Earnings coverage of net charge-offs (x) | 149.8302% | 535 |
| Efficiency ratio | 60.5729% | 3,330 |
| Assets per employee ($millions) | 4.7322% | 3,498 |
| Cash dividends to net income (ytd only)* | 37.4766% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 3,658 |
| Loan loss allowance to noncurrent loans | 984.9719% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 4,146 |
| Noncurrent loans to loans | 0.0997% | 4,056 |
| Net loans and leases to total assets | 70.8189% | 1,906 |
| Net loans and leases to deposits | 87.2266% | 1,635 |
| Net loans and leases to core deposits | 88.8202% | 2,171 |
| Total domestic deposits to total assets | 81.1895% | 3,562 |
| Equity capital to assets | 12.8066% | 1,236 |
| Core capital (leverage) ratio | 10.6541% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8715% | 2,233 |
| Memoranda: | ||
| Average total assets | $917,444,667 | 927 |
| Average earning assets | $840,343,000 | 926 |
| Average equity | $123,968,000 | 776 |
| Average total loans | $662,558,333 | 889 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6519% | 1,848 |
| Cost of funding earning assets | 0.4300% | 4,235 |
| Net interest margin | 4.2219% | 881 |
| Noninterest income to average assets | 0.7317% | 1,527 |
| Noninterest expense to average assets | 2.8555% | 2,253 |
| Loan and lease loss provision to assets | 0.2053% | 1,486 |
| Net operating income to assets | 1.2557% | 1,366 |
| Return on assets (ROA) | 1.2553% | 1,466 |
| Pretax return on assets | 1.5217% | 1,251 |
| Return on Equity (ROE) | 9.0218% | 2,105 |
| Retained earnings to average equity (ytd only) | 5.4157% | 2,108 |
| Net charge-offs to loans | 0.0333% | 1,732 |
| Credit loss provision to net charge-offs | 849.0566% | 642 |
| Earnings coverage of net charge-offs (x) | 71.4528% | 718 |
| Efficiency ratio | 61.4810% | 3,559 |
| Assets per employee ($millions) | 4.2717% | 3,565 |
| Cash dividends to net income (ytd only)* | 39.9709% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,705 |
| Loan loss allowance to noncurrent loans | 843.8992% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,087 |
| Noncurrent loans to loans | 0.1186% | 4,047 |
| Net loans and leases to total assets | 71.5202% | 1,996 |
| Net loans and leases to deposits | 88.7535% | 1,669 |
| Net loans and leases to core deposits | 90.4588% | 2,303 |
| Total domestic deposits to total assets | 80.5829% | 3,748 |
| Equity capital to assets | 13.9317% | 1,083 |
| Core capital (leverage) ratio | 11.5817% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7175% | 2,382 |
| Memoranda: | ||
| Average total assets | $876,915,500 | 939 |
| Average earning assets | $799,927,000 | 941 |
| Average equity | $122,015,000 | 780 |
| Average total loans | $636,766,500 | 895 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 1,965 |
| Cost of funding earning assets | 0.5554% | 3,847 |
| Net interest margin | 4.2713% | 1,162 |
| Noninterest income to average assets | 0.7396% | 1,663 |
| Noninterest expense to average assets | 2.9450% | 2,156 |
| Loan and lease loss provision to assets | 0.0962% | 2,113 |
| Net operating income to assets | 1.3017% | 1,684 |
| Return on assets (ROA) | 1.3884% | 1,457 |
| Pretax return on assets | 1.6826% | 1,241 |
| Return on Equity (ROE) | 10.1060% | 2,255 |
| Retained earnings to average equity (ytd only) | 6.4895% | 1,613 |
| Net charge-offs to loans | 0.0667% | 2,134 |
| Credit loss provision to net charge-offs | 196.8974% | 1,347 |
| Earnings coverage of net charge-offs (x) | 34.2601% | 1,452 |
| Efficiency ratio | 62.6764% | 3,267 |
| Assets per employee ($millions) | 4.2216% | 3,606 |
| Cash dividends to net income (ytd only)* | 35.7863% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 3,812 |
| Loan loss allowance to noncurrent loans | 467.1887% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 3,828 |
| Noncurrent loans to loans | 0.2002% | 3,740 |
| Net loans and leases to total assets | 72.3053% | 2,043 |
| Net loans and leases to deposits | 91.9618% | 1,373 |
| Net loans and leases to core deposits | 93.7480% | 2,089 |
| Total domestic deposits to total assets | 78.6254% | 4,252 |
| Equity capital to assets | 13.8964% | 1,140 |
| Core capital (leverage) ratio | 11.4198% | 2,175 |
| Tier 1 risk-based capital ratio | 12.5533% | 4,039 |
| Total risk-based capital ratio | 13.3250% | 4,200 |
| Memoranda: | ||
| Average total assets | $857,372,200 | 921 |
| Average earning assets | $778,781,200 | 932 |
| Average equity | $117,791,000 | 775 |
| Average total loans | $627,787,600 | 877 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8077% | 2,091 |
| Cost of funding earning assets | 0.5751% | 3,798 |
| Net interest margin | 4.2326% | 1,300 |
| Noninterest income to average assets | 0.7322% | 1,656 |
| Noninterest expense to average assets | 2.9487% | 2,106 |
| Loan and lease loss provision to assets | 0.0899% | 2,105 |
| Net operating income to assets | 1.2758% | 1,930 |
| Return on assets (ROA) | 1.3920% | 1,566 |
| Pretax return on assets | 1.6759% | 1,403 |
| Return on Equity (ROE) | 10.1618% | 2,367 |
| Retained earnings to average equity (ytd only) | 6.5627% | 2,079 |
| Net charge-offs to loans | 0.0740% | 1,763 |
| Credit loss provision to net charge-offs | 165.7061% | 1,523 |
| Earnings coverage of net charge-offs (x) | 29.9824% | 1,626 |
| Efficiency ratio | 63.3668% | 3,102 |
| Assets per employee ($millions) | 3.9919% | 3,916 |
| Cash dividends to net income (ytd only)* | 35.4176% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 3,965 |
| Loan loss allowance to noncurrent loans | 739.2082% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,221 |
| Noncurrent loans to loans | 0.1244% | 4,091 |
| Net loans and leases to total assets | 71.0370% | 2,316 |
| Net loans and leases to deposits | 87.9677% | 1,941 |
| Net loans and leases to core deposits | 89.6626% | 2,569 |
| Total domestic deposits to total assets | 80.7536% | 3,818 |
| Equity capital to assets | 13.6974% | 1,273 |
| Core capital (leverage) ratio | 11.2587% | 2,418 |
| Tier 1 risk-based capital ratio | 12.6628% | 4,047 |
| Total risk-based capital ratio | 13.4338% | 4,207 |
| Memoranda: | ||
| Average total assets | $853,248,250 | 920 |
| Average earning assets | $774,535,750 | 936 |
| Average equity | $116,879,750 | 779 |
| Average total loans | $625,279,750 | 880 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7731% | 2,147 |
| Cost of funding earning assets | 0.5708% | 3,788 |
| Net interest margin | 4.2023% | 1,362 |
| Noninterest income to average assets | 0.7269% | 1,613 |
| Noninterest expense to average assets | 2.9524% | 2,129 |
| Loan and lease loss provision to assets | 0.0828% | 2,186 |
| Net operating income to assets | 1.2631% | 1,902 |
| Return on assets (ROA) | 1.2631% | 1,971 |
| Pretax return on assets | 1.5078% | 1,834 |
| Return on Equity (ROE) | 9.2205% | 2,769 |
| Retained earnings to average equity (ytd only) | 5.6038% | 2,470 |
| Net charge-offs to loans | 0.0535% | 1,876 |
| Credit loss provision to net charge-offs | 209.5808% | 1,162 |
| Earnings coverage of net charge-offs (x) | 40.2395% | 1,241 |
| Efficiency ratio | 63.8775% | 3,153 |
| Assets per employee ($millions) | 3.9036% | 3,995 |
| Cash dividends to net income (ytd only)* | 39.2241% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 4,138 |
| Loan loss allowance to noncurrent loans | 527.9412% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 4,075 |
| Noncurrent loans to loans | 0.1686% | 3,947 |
| Net loans and leases to total assets | 74.4675% | 1,810 |
| Net loans and leases to deposits | 91.6169% | 1,534 |
| Net loans and leases to core deposits | 93.5718% | 2,275 |
| Total domestic deposits to total assets | 81.2814% | 3,726 |
| Equity capital to assets | 13.8128% | 1,195 |
| Core capital (leverage) ratio | 11.3128% | 2,325 |
| Tier 1 risk-based capital ratio | 12.4456% | 4,156 |
| Total risk-based capital ratio | 13.2149% | 4,321 |
| Memoranda: | ||
| Average total assets | $844,926,000 | 925 |
| Average earning assets | $767,297,330 | 939 |
| Average equity | $115,742,000 | 777 |
| Average total loans | $623,824,330 | 886 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7239% | 2,141 |
| Cost of funding earning assets | 0.5594% | 3,787 |
| Net interest margin | 4.1645% | 1,391 |
| Noninterest income to average assets | 0.6807% | 1,682 |
| Noninterest expense to average assets | 2.9428% | 2,149 |
| Loan and lease loss provision to assets | 0.0477% | 2,693 |
| Net operating income to assets | 1.2225% | 1,974 |
| Return on assets (ROA) | 1.2225% | 2,020 |
| Pretax return on assets | 1.4640% | 1,879 |
| Return on Equity (ROE) | 8.9623% | 2,827 |
| Retained earnings to average equity (ytd only) | 5.3823% | 2,746 |
| Net charge-offs to loans | 0.0320% | 1,813 |
| Credit loss provision to net charge-offs | 204.0816% | 1,038 |
| Earnings coverage of net charge-offs (x) | 64.6327% | 883 |
| Efficiency ratio | 64.9164% | 3,095 |
| Assets per employee ($millions) | 4.0354% | 3,868 |
| Cash dividends to net income (ytd only)* | 39.9453% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 4,097 |
| Loan loss allowance to noncurrent loans | 562.7884% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 4,128 |
| Noncurrent loans to loans | 0.1628% | 4,015 |
| Net loans and leases to total assets | 72.9830% | 1,986 |
| Net loans and leases to deposits | 87.8716% | 1,891 |
| Net loans and leases to core deposits | 89.7861% | 2,525 |
| Total domestic deposits to total assets | 83.0565% | 3,365 |
| Equity capital to assets | 13.9349% | 1,067 |
| Core capital (leverage) ratio | 11.2993% | 2,290 |
| Tier 1 risk-based capital ratio | 12.7297% | 4,024 |
| Total risk-based capital ratio | 13.5128% | 4,181 |
| Memoranda: | ||
| Average total assets | $837,988,000 | 935 |
| Average earning assets | $759,377,000 | 950 |
| Average equity | $114,300,500 | 781 |
| Average total loans | $613,100,500 | 903 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 1,979 |
| Cost of funding earning assets | 0.3844% | 4,085 |
| Net interest margin | 4.2697% | 1,226 |
| Noninterest income to average assets | 0.7478% | 1,651 |
| Noninterest expense to average assets | 2.8958% | 2,363 |
| Loan and lease loss provision to assets | 0.0685% | 2,772 |
| Net operating income to assets | 1.3743% | 1,516 |
| Return on assets (ROA) | 1.3698% | 1,522 |
| Pretax return on assets | 1.6324% | 1,370 |
| Return on Equity (ROE) | 10.4257% | 2,336 |
| Retained earnings to average equity (ytd only) | 6.9575% | 1,688 |
| Net charge-offs to loans | 0.0383% | 2,630 |
| Credit loss provision to net charge-offs | 251.1013% | 1,183 |
| Earnings coverage of net charge-offs (x) | 62.5286% | 999 |
| Efficiency ratio | 61.5437% | 3,614 |
| Assets per employee ($millions) | 4.1610% | 3,669 |
| Cash dividends to net income (ytd only)* | 33.2661% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9057% | 4,129 |
| Loan loss allowance to noncurrent loans | 548.3235% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 4,122 |
| Noncurrent loans to loans | 0.1652% | 4,006 |
| Net loans and leases to total assets | 72.0184% | 2,253 |
| Net loans and leases to deposits | 90.3307% | 1,753 |
| Net loans and leases to core deposits | 92.3780% | 2,379 |
| Total domestic deposits to total assets | 79.7275% | 4,165 |
| Equity capital to assets | 13.3496% | 1,205 |
| Core capital (leverage) ratio | 11.1708% | 2,378 |
| Tier 1 risk-based capital ratio | 12.3127% | 4,231 |
| Total risk-based capital ratio | 13.0770% | 4,423 |
| Memoranda: | ||
| Average total assets | $831,927,600 | 919 |
| Average earning assets | $750,972,000 | 933 |
| Average equity | $109,307,200 | 785 |
| Average total loans | $593,341,600 | 908 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 1,883 |
| Cost of funding earning assets | 0.3470% | 4,199 |
| Net interest margin | 4.2880% | 1,140 |
| Noninterest income to average assets | 0.7444% | 1,697 |
| Noninterest expense to average assets | 2.8832% | 2,358 |
| Loan and lease loss provision to assets | 0.0603% | 2,773 |
| Net operating income to assets | 1.4031% | 1,479 |
| Return on assets (ROA) | 1.3971% | 1,502 |
| Pretax return on assets | 1.6645% | 1,367 |
| Return on Equity (ROE) | 10.6769% | 2,311 |
| Retained earnings to average equity (ytd only) | 7.2773% | 1,990 |
| Net charge-offs to loans | 0.0277% | 2,553 |
| Credit loss provision to net charge-offs | 307.3770% | 1,005 |
| Earnings coverage of net charge-offs (x) | 88.2391% | 830 |
| Efficiency ratio | 61.0890% | 3,651 |
| Assets per employee ($millions) | 4.1606% | 3,632 |
| Cash dividends to net income (ytd only)* | 31.8401% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 4,109 |
| Loan loss allowance to noncurrent loans | 450.5766% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 4,083 |
| Noncurrent loans to loans | 0.2079% | 3,967 |
| Net loans and leases to total assets | 70.9412% | 2,510 |
| Net loans and leases to deposits | 84.9607% | 2,479 |
| Net loans and leases to core deposits | 86.8866% | 2,929 |
| Total domestic deposits to total assets | 83.4988% | 3,121 |
| Equity capital to assets | 13.4996% | 1,133 |
| Core capital (leverage) ratio | 10.9448% | 2,633 |
| Tier 1 risk-based capital ratio | 12.8355% | 3,997 |
| Total risk-based capital ratio | 13.6356% | 4,155 |
| Memoranda: | ||
| Average total assets | $828,739,500 | 920 |
| Average earning assets | $748,092,250 | 937 |
| Average equity | $108,443,750 | 790 |
| Average total loans | $588,205,750 | 914 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 1,912 |
| Cost of funding earning assets | 0.3180% | 4,283 |
| Net interest margin | 4.2404% | 1,189 |
| Noninterest income to average assets | 0.7468% | 1,660 |
| Noninterest expense to average assets | 2.8364% | 2,556 |
| Loan and lease loss provision to assets | 0.0720% | 2,448 |
| Net operating income to assets | 1.3976% | 1,454 |
| Return on assets (ROA) | 1.3952% | 1,460 |
| Pretax return on assets | 1.6604% | 1,315 |
| Return on Equity (ROE) | 10.7733% | 2,200 |
| Retained earnings to average equity (ytd only) | 6.5823% | 2,266 |
| Net charge-offs to loans | 0.0220% | 2,437 |
| Credit loss provision to net charge-offs | 461.5385% | 740 |
| Earnings coverage of net charge-offs (x) | 111.2154% | 649 |
| Efficiency ratio | 60.6563% | 3,825 |
| Assets per employee ($millions) | 4.0907% | 3,743 |
| Cash dividends to net income (ytd only)* | 38.9023% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 4,268 |
| Loan loss allowance to noncurrent loans | 605.7778% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 4,313 |
| Noncurrent loans to loans | 0.1512% | 4,224 |
| Net loans and leases to total assets | 70.6927% | 2,477 |
| Net loans and leases to deposits | 85.5492% | 2,371 |
| Net loans and leases to core deposits | 87.3006% | 2,791 |
| Total domestic deposits to total assets | 82.6340% | 3,513 |
| Equity capital to assets | 13.0728% | 1,264 |
| Core capital (leverage) ratio | 10.7074% | 2,798 |
| Tier 1 risk-based capital ratio | 12.3993% | 4,244 |
| Total risk-based capital ratio | 13.1875% | 4,411 |
| Memoranda: | ||
| Average total assets | $833,159,000 | 911 |
| Average earning assets | $751,528,000 | 934 |
| Average equity | $107,896,000 | 791 |
| Average total loans | $589,613,670 | 909 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 1,930 |
| Cost of funding earning assets | 0.3033% | 4,328 |
| Net interest margin | 4.1763% | 1,227 |
| Noninterest income to average assets | 0.7275% | 1,712 |
| Noninterest expense to average assets | 2.8517% | 2,524 |
| Loan and lease loss provision to assets | 0.0721% | 2,321 |
| Net operating income to assets | 1.3301% | 1,543 |
| Return on assets (ROA) | 1.3309% | 1,552 |
| Pretax return on assets | 1.5894% | 1,418 |
| Return on Equity (ROE) | 10.3264% | 2,265 |
| Retained earnings to average equity (ytd only) | 6.3039% | 2,582 |
| Net charge-offs to loans | 0.0143% | 2,250 |
| Credit loss provision to net charge-offs | 714.2857% | 464 |
| Earnings coverage of net charge-offs (x) | 164.5714% | 393 |
| Efficiency ratio | 61.7932% | 3,823 |
| Assets per employee ($millions) | 4.1041% | 3,798 |
| Cash dividends to net income (ytd only)* | 38.9531% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 4,372 |
| Loan loss allowance to noncurrent loans | 372.0251% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 4,181 |
| Noncurrent loans to loans | 0.2463% | 3,882 |
| Net loans and leases to total assets | 70.0762% | 2,473 |
| Net loans and leases to deposits | 83.2775% | 2,472 |
| Net loans and leases to core deposits | 84.9119% | 2,902 |
| Total domestic deposits to total assets | 84.1478% | 3,266 |
| Equity capital to assets | 13.0319% | 1,228 |
| Core capital (leverage) ratio | 10.3975% | 3,068 |
| Tier 1 risk-based capital ratio | 12.4282% | 4,289 |
| Total risk-based capital ratio | 13.2213% | 4,460 |
| Memoranda: | ||
| Average total assets | $832,492,000 | 920 |
| Average earning assets | $754,453,500 | 939 |
| Average equity | $107,298,000 | 789 |
| Average total loans | $586,731,500 | 916 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 1,883 |
| Cost of funding earning assets | 0.2779% | 4,337 |
| Net interest margin | 4.1712% | 1,248 |
| Noninterest income to average assets | 0.7439% | 1,793 |
| Noninterest expense to average assets | 2.9332% | 2,336 |
| Loan and lease loss provision to assets | 0.0728% | 2,752 |
| Net operating income to assets | 1.1557% | 1,663 |
| Return on assets (ROA) | 1.1608% | 1,674 |
| Pretax return on assets | 1.5169% | 1,572 |
| Return on Equity (ROE) | 9.1625% | 2,238 |
| Retained earnings to average equity (ytd only) | 5.9676% | 1,556 |
| Net charge-offs to loans | 0.0300% | 3,197 |
| Credit loss provision to net charge-offs | 352.9412% | 833 |
| Earnings coverage of net charge-offs (x) | 76.7765% | 797 |
| Efficiency ratio | 63.2335% | 3,727 |
| Assets per employee ($millions) | 4.0978% | 3,813 |
| Cash dividends to net income (ytd only)* | 34.8694% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 4,549 |
| Loan loss allowance to noncurrent loans | 675.7772% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 4,523 |
| Noncurrent loans to loans | 0.1308% | 4,405 |
| Net loans and leases to total assets | 69.6170% | 2,582 |
| Net loans and leases to deposits | 86.2391% | 2,230 |
| Net loans and leases to core deposits | 87.9849% | 2,723 |
| Total domestic deposits to total assets | 80.7256% | 4,184 |
| Equity capital to assets | 12.7483% | 1,385 |
| Core capital (leverage) ratio | 10.3056% | 3,063 |
| Tier 1 risk-based capital ratio | 12.1400% | 4,437 |
| Total risk-based capital ratio | 12.9031% | 4,638 |
| Memoranda: | ||
| Average total assets | $824,465,600 | 902 |
| Average earning assets | $745,633,600 | 924 |
| Average equity | $104,447,000 | 785 |
| Average total loans | $565,752,200 | 911 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4465% | 1,797 |
| Cost of funding earning assets | 0.2791% | 4,325 |
| Net interest margin | 4.1674% | 1,235 |
| Noninterest income to average assets | 0.7500% | 1,783 |
| Noninterest expense to average assets | 2.9299% | 2,303 |
| Loan and lease loss provision to assets | 0.0650% | 2,776 |
| Net operating income to assets | 1.1476% | 1,890 |
| Return on assets (ROA) | 1.1535% | 1,913 |
| Pretax return on assets | 1.5329% | 1,655 |
| Return on Equity (ROE) | 9.1198% | 2,540 |
| Retained earnings to average equity (ytd only) | 5.9506% | 2,272 |
| Net charge-offs to loans | 0.0217% | 3,036 |
| Credit loss provision to net charge-offs | 439.5604% | 715 |
| Earnings coverage of net charge-offs (x) | 107.5387% | 663 |
| Efficiency ratio | 63.1030% | 3,692 |
| Assets per employee ($millions) | 4.0159% | 3,963 |
| Cash dividends to net income (ytd only)* | 34.7513% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 4,598 |
| Loan loss allowance to noncurrent loans | 446.2347% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,483 |
| Noncurrent loans to loans | 0.2002% | 4,283 |
| Net loans and leases to total assets | 68.6666% | 2,750 |
| Net loans and leases to deposits | 83.2930% | 2,626 |
| Net loans and leases to core deposits | 84.9748% | 3,047 |
| Total domestic deposits to total assets | 82.4398% | 3,645 |
| Equity capital to assets | 12.9464% | 1,415 |
| Core capital (leverage) ratio | 10.1937% | 3,322 |
| Tier 1 risk-based capital ratio | 12.2390% | 4,471 |
| Total risk-based capital ratio | 13.0013% | 4,678 |
| Memoranda: | ||
| Average total assets | $820,569,000 | 910 |
| Average earning assets | $742,315,000 | 933 |
| Average equity | $103,785,750 | 790 |
| Average total loans | $559,681,250 | 920 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 1,761 |
| Cost of funding earning assets | 0.2778% | 4,311 |
| Net interest margin | 4.1408% | 1,221 |
| Noninterest income to average assets | 0.7259% | 1,882 |
| Noninterest expense to average assets | 2.9392% | 2,299 |
| Loan and lease loss provision to assets | 0.0610% | 2,741 |
| Net operating income to assets | 1.1131% | 1,912 |
| Return on assets (ROA) | 1.1131% | 1,961 |
| Pretax return on assets | 1.4681% | 1,766 |
| Return on Equity (ROE) | 8.8709% | 2,567 |
| Retained earnings to average equity (ytd only) | 5.7169% | 2,278 |
| Net charge-offs to loans | 0.0058% | 3,256 |
| Credit loss provision to net charge-offs | 1,562.5000% | 263 |
| Earnings coverage of net charge-offs (x) | 391.6875% | 215 |
| Efficiency ratio | 64.0365% | 3,658 |
| Assets per employee ($millions) | 3.9650% | 4,014 |
| Cash dividends to net income (ytd only)* | 35.5546% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,676 |
| Loan loss allowance to noncurrent loans | 545.2769% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 4,666 |
| Noncurrent loans to loans | 0.1634% | 4,461 |
| Net loans and leases to total assets | 67.7508% | 2,848 |
| Net loans and leases to deposits | 82.1854% | 2,683 |
| Net loans and leases to core deposits | 83.8133% | 3,087 |
| Total domestic deposits to total assets | 82.4365% | 3,754 |
| Equity capital to assets | 12.7469% | 1,497 |
| Core capital (leverage) ratio | 10.0173% | 3,518 |
| Tier 1 risk-based capital ratio | 12.4155% | 4,348 |
| Total risk-based capital ratio | 13.1949% | 4,563 |
| Memoranda: | ||
| Average total assets | $819,673,670 | 922 |
| Average earning assets | $740,818,330 | 939 |
| Average equity | $102,853,670 | 802 |
| Average total loans | $556,109,330 | 927 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 1,936 |
| Cost of funding earning assets | 0.2878% | 4,165 |
| Net interest margin | 4.0200% | 1,418 |
| Noninterest income to average assets | 0.6863% | 2,021 |
| Noninterest expense to average assets | 2.8994% | 2,455 |
| Loan and lease loss provision to assets | 0.0490% | 2,830 |
| Net operating income to assets | 1.0500% | 2,068 |
| Return on assets (ROA) | 1.0500% | 2,117 |
| Pretax return on assets | 1.3682% | 1,993 |
| Return on Equity (ROE) | 8.4352% | 2,703 |
| Retained earnings to average equity (ytd only) | 5.3836% | 2,679 |
| Net charge-offs to loans | 0.0094% | 2,645 |
| Credit loss provision to net charge-offs | 769.2308% | 408 |
| Earnings coverage of net charge-offs (x) | 222.6923% | 252 |
| Efficiency ratio | 65.3663% | 3,602 |
| Assets per employee ($millions) | 4.0626% | 3,906 |
| Cash dividends to net income (ytd only)* | 36.1772% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 4,827 |
| Loan loss allowance to noncurrent loans | 507.7083% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 4,681 |
| Noncurrent loans to loans | 0.1737% | 4,498 |
| Net loans and leases to total assets | 67.0986% | 2,803 |
| Net loans and leases to deposits | 80.3490% | 2,705 |
| Net loans and leases to core deposits | 81.9328% | 3,104 |
| Total domestic deposits to total assets | 83.5089% | 3,655 |
| Equity capital to assets | 12.5772% | 1,479 |
| Core capital (leverage) ratio | 9.8740% | 3,656 |
| Tier 1 risk-based capital ratio | 12.2206% | 4,567 |
| Total risk-based capital ratio | 12.9814% | 4,794 |
| Memoranda: | ||
| Average total assets | $817,148,500 | 927 |
| Average earning assets | $737,903,000 | 944 |
| Average equity | $101,717,000 | 807 |
| Average total loans | $552,274,500 | 933 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 1,851 |
| Cost of funding earning assets | 0.3176% | 3,873 |
| Net interest margin | 4.0729% | 1,445 |
| Noninterest income to average assets | 0.7559% | 1,936 |
| Noninterest expense to average assets | 2.9026% | 2,660 |
| Loan and lease loss provision to assets | 0.0840% | 2,680 |
| Net operating income to assets | 1.0837% | 1,966 |
| Return on assets (ROA) | 1.1173% | 1,920 |
| Pretax return on assets | 1.4891% | 1,616 |
| Return on Equity (ROE) | 8.8219% | 2,506 |
| Retained earnings to average equity (ytd only) | 5.3140% | 2,121 |
| Net charge-offs to loans | 0.0637% | 2,789 |
| Credit loss provision to net charge-offs | 196.2209% | 1,438 |
| Earnings coverage of net charge-offs (x) | 35.7151% | 1,277 |
| Efficiency ratio | 63.3906% | 4,044 |
| Assets per employee ($millions) | 3.9314% | 4,095 |
| Cash dividends to net income (ytd only)* | 39.7640% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 4,907 |
| Loan loss allowance to noncurrent loans | 452.5520% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 4,706 |
| Noncurrent loans to loans | 0.1917% | 4,474 |
| Net loans and leases to total assets | 66.8903% | 2,945 |
| Net loans and leases to deposits | 82.7443% | 2,584 |
| Net loans and leases to core deposits | 84.2122% | 3,003 |
| Total domestic deposits to total assets | 80.8398% | 4,372 |
| Equity capital to assets | 12.3186% | 1,623 |
| Core capital (leverage) ratio | 9.7669% | 3,787 |
| Tier 1 risk-based capital ratio | 12.5634% | 4,346 |
| Total risk-based capital ratio | 13.3440% | 4,543 |
| Memoranda: | ||
| Average total assets | $803,961,600 | 900 |
| Average earning assets | $725,412,000 | 915 |
| Average equity | $101,825,800 | 779 |
| Average total loans | $540,078,400 | 915 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 1,845 |
| Cost of funding earning assets | 0.3220% | 3,846 |
| Net interest margin | 4.0840% | 1,422 |
| Noninterest income to average assets | 0.7478% | 1,974 |
| Noninterest expense to average assets | 2.8839% | 2,689 |
| Loan and lease loss provision to assets | 0.0791% | 2,637 |
| Net operating income to assets | 1.0960% | 2,016 |
| Return on assets (ROA) | 1.1411% | 1,950 |
| Pretax return on assets | 1.5313% | 1,606 |
| Return on Equity (ROE) | 8.9466% | 2,519 |
| Retained earnings to average equity (ytd only) | 5.3528% | 2,583 |
| Net charge-offs to loans | 0.0640% | 2,435 |
| Credit loss provision to net charge-offs | 184.1085% | 1,526 |
| Earnings coverage of net charge-offs (x) | 36.0777% | 1,318 |
| Efficiency ratio | 62.9118% | 4,086 |
| Assets per employee ($millions) | 3.9350% | 4,072 |
| Cash dividends to net income (ytd only)* | 40.1693% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 5,034 |
| Loan loss allowance to noncurrent loans | 245.5357% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 4,425 |
| Noncurrent loans to loans | 0.3467% | 4,012 |
| Net loans and leases to total assets | 67.4965% | 2,876 |
| Net loans and leases to deposits | 81.2640% | 2,825 |
| Net loans and leases to core deposits | 82.7025% | 3,230 |
| Total domestic deposits to total assets | 83.0582% | 3,565 |
| Equity capital to assets | 12.8100% | 1,592 |
| Core capital (leverage) ratio | 9.8215% | 3,787 |
| Tier 1 risk-based capital ratio | 12.7752% | 4,291 |
| Total risk-based capital ratio | 13.5576% | 4,499 |
| Memoranda: | ||
| Average total assets | $800,521,500 | 904 |
| Average earning assets | $722,566,250 | 920 |
| Average equity | $102,099,250 | 780 |
| Average total loans | $537,156,750 | 917 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 1,861 |
| Cost of funding earning assets | 0.3261% | 3,837 |
| Net interest margin | 4.0618% | 1,471 |
| Noninterest income to average assets | 0.7389% | 1,977 |
| Noninterest expense to average assets | 2.8582% | 2,812 |
| Loan and lease loss provision to assets | 0.0751% | 2,637 |
| Net operating income to assets | 1.0966% | 1,969 |
| Return on assets (ROA) | 1.1635% | 1,830 |
| Pretax return on assets | 1.5617% | 1,485 |
| Return on Equity (ROE) | 9.1358% | 2,437 |
| Retained earnings to average equity (ytd only) | 5.9948% | 2,119 |
| Net charge-offs to loans | 0.0469% | 2,543 |
| Credit loss provision to net charge-offs | 240.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 49.3920% | 1,004 |
| Efficiency ratio | 62.7467% | 4,223 |
| Assets per employee ($millions) | 3.8782% | 4,127 |
| Cash dividends to net income (ytd only)* | 34.3811% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 5,097 |
| Loan loss allowance to noncurrent loans | 392.5424% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 4,799 |
| Noncurrent loans to loans | 0.2193% | 4,559 |
| Net loans and leases to total assets | 66.1251% | 3,063 |
| Net loans and leases to deposits | 79.2448% | 3,029 |
| Net loans and leases to core deposits | 80.7122% | 3,390 |
| Total domestic deposits to total assets | 83.4441% | 3,485 |
| Equity capital to assets | 12.8436% | 1,587 |
| Core capital (leverage) ratio | 9.7877% | 3,826 |
| Tier 1 risk-based capital ratio | 12.9901% | 4,202 |
| Total risk-based capital ratio | 13.7866% | 4,409 |
| Memoranda: | ||
| Average total assets | $798,470,330 | 908 |
| Average earning assets | $720,620,000 | 922 |
| Average equity | $101,687,330 | 781 |
| Average total loans | $533,158,330 | 918 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 1,726 |
| Cost of funding earning assets | 0.3335% | 3,789 |
| Net interest margin | 4.0918% | 1,364 |
| Noninterest income to average assets | 0.7014% | 2,036 |
| Noninterest expense to average assets | 2.8792% | 2,778 |
| Loan and lease loss provision to assets | 0.0755% | 2,445 |
| Net operating income to assets | 1.0732% | 1,999 |
| Return on assets (ROA) | 1.2095% | 1,625 |
| Pretax return on assets | 1.6234% | 1,241 |
| Return on Equity (ROE) | 9.5385% | 2,182 |
| Retained earnings to average equity (ytd only) | 6.3656% | 2,198 |
| Net charge-offs to loans | 0.0377% | 2,235 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 60.2600% | 780 |
| Efficiency ratio | 63.3261% | 4,252 |
| Assets per employee ($millions) | 3.8841% | 4,153 |
| Cash dividends to net income (ytd only)* | 33.2639% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 5,204 |
| Loan loss allowance to noncurrent loans | 351.6975% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 4,794 |
| Noncurrent loans to loans | 0.2434% | 4,559 |
| Net loans and leases to total assets | 66.6243% | 2,869 |
| Net loans and leases to deposits | 80.0386% | 2,784 |
| Net loans and leases to core deposits | 81.5516% | 3,175 |
| Total domestic deposits to total assets | 83.2403% | 3,809 |
| Equity capital to assets | 12.7991% | 1,511 |
| Core capital (leverage) ratio | 9.6789% | 3,939 |
| Tier 1 risk-based capital ratio | 12.8805% | 4,339 |
| Total risk-based capital ratio | 13.6687% | 4,538 |
| Memoranda: | ||
| Average total assets | $794,376,000 | 913 |
| Average earning assets | $717,344,000 | 927 |
| Average equity | $100,729,000 | 789 |
| Average total loans | $530,719,500 | 922 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 2,271 |
| Cost of funding earning assets | 0.3008% | 4,242 |
| Net interest margin | 3.9824% | 1,774 |
| Noninterest income to average assets | 0.7783% | 1,870 |
| Noninterest expense to average assets | 2.9225% | 2,789 |
| Loan and lease loss provision to assets | 0.0448% | 3,429 |
| Net operating income to assets | 1.0512% | 2,118 |
| Return on assets (ROA) | 1.0937% | 2,024 |
| Pretax return on assets | 1.4463% | 1,736 |
| Return on Equity (ROE) | 8.7052% | 2,627 |
| Retained earnings to average equity (ytd only) | 4.2124% | 2,987 |
| Net charge-offs to loans | 0.0313% | 3,597 |
| Credit loss provision to net charge-offs | 222.9299% | 1,270 |
| Earnings coverage of net charge-offs (x) | 71.3439% | 756 |
| Efficiency ratio | 64.4819% | 4,171 |
| Assets per employee ($millions) | 3.8849% | 4,148 |
| Cash dividends to net income (ytd only)* | 51.6110% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 5,289 |
| Loan loss allowance to noncurrent loans | 356.2750% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 4,823 |
| Noncurrent loans to loans | 0.2365% | 4,578 |
| Net loans and leases to total assets | 65.8620% | 3,000 |
| Net loans and leases to deposits | 80.6414% | 2,750 |
| Net loans and leases to core deposits | 82.2597% | 3,116 |
| Total domestic deposits to total assets | 81.6726% | 4,274 |
| Equity capital to assets | 12.5621% | 1,592 |
| Core capital (leverage) ratio | 9.6791% | 3,934 |
| Tier 1 risk-based capital ratio | 12.9139% | 4,379 |
| Total risk-based capital ratio | 13.6954% | 4,560 |
| Memoranda: | ||
| Average total assets | $780,403,600 | 888 |
| Average earning assets | $701,431,200 | 916 |
| Average equity | $98,045,000 | 784 |
| Average total loans | $501,781,800 | 935 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 2,318 |
| Cost of funding earning assets | 0.2881% | 4,468 |
| Net interest margin | 3.9860% | 1,743 |
| Noninterest income to average assets | 0.7829% | 1,868 |
| Noninterest expense to average assets | 2.9448% | 2,689 |
| Loan and lease loss provision to assets | 0.0515% | 3,171 |
| Net operating income to assets | 1.0462% | 2,236 |
| Return on assets (ROA) | 1.1039% | 2,068 |
| Pretax return on assets | 1.4415% | 1,856 |
| Return on Equity (ROE) | 8.7861% | 2,684 |
| Retained earnings to average equity (ytd only) | 4.3480% | 3,375 |
| Net charge-offs to loans | 0.0458% | 2,988 |
| Credit loss provision to net charge-offs | 176.4706% | 1,492 |
| Earnings coverage of net charge-offs (x) | 48.5767% | 1,078 |
| Efficiency ratio | 64.9020% | 4,085 |
| Assets per employee ($millions) | 3.8368% | 4,195 |
| Cash dividends to net income (ytd only)* | 50.5135% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 5,316 |
| Loan loss allowance to noncurrent loans | 163.8330% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 4,189 |
| Noncurrent loans to loans | 0.5266% | 3,764 |
| Net loans and leases to total assets | 65.1506% | 3,133 |
| Net loans and leases to deposits | 78.8022% | 3,011 |
| Net loans and leases to core deposits | 80.1946% | 3,411 |
| Total domestic deposits to total assets | 82.6761% | 3,928 |
| Equity capital to assets | 12.8053% | 1,560 |
| Core capital (leverage) ratio | 9.5913% | 4,180 |
| Tier 1 risk-based capital ratio | 13.2799% | 4,271 |
| Total risk-based capital ratio | 14.0837% | 4,443 |
| Memoranda: | ||
| Average total assets | $776,403,250 | 893 |
| Average earning assets | $697,322,250 | 923 |
| Average equity | $97,545,000 | 791 |
| Average total loans | $494,981,000 | 951 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 2,365 |
| Cost of funding earning assets | 0.2998% | 4,398 |
| Net interest margin | 3.9467% | 1,826 |
| Noninterest income to average assets | 0.7435% | 2,027 |
| Noninterest expense to average assets | 2.9408% | 2,751 |
| Loan and lease loss provision to assets | 0.0386% | 3,345 |
| Net operating income to assets | 0.9942% | 2,415 |
| Return on assets (ROA) | 1.0795% | 2,120 |
| Pretax return on assets | 1.4142% | 1,914 |
| Return on Equity (ROE) | 8.6473% | 2,723 |
| Retained earnings to average equity (ytd only) | 4.2463% | 3,328 |
| Net charge-offs to loans | 0.0645% | 2,457 |
| Credit loss provision to net charge-offs | 94.9367% | 2,144 |
| Earnings coverage of net charge-offs (x) | 32.9557% | 1,286 |
| Efficiency ratio | 66.0493% | 3,998 |
| Assets per employee ($millions) | 3.7856% | 4,272 |
| Cash dividends to net income (ytd only)* | 50.8943% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 5,447 |
| Loan loss allowance to noncurrent loans | 161.1511% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 4,244 |
| Noncurrent loans to loans | 0.5314% | 3,864 |
| Net loans and leases to total assets | 63.4951% | 3,345 |
| Net loans and leases to deposits | 75.6679% | 3,305 |
| Net loans and leases to core deposits | 77.3018% | 3,641 |
| Total domestic deposits to total assets | 83.9129% | 3,606 |
| Equity capital to assets | 12.5348% | 1,642 |
| Core capital (leverage) ratio | 9.5040% | 4,278 |
| Tier 1 risk-based capital ratio | 13.3134% | 4,340 |
| Total risk-based capital ratio | 14.1074% | 4,511 |
| Memoranda: | ||
| Average total assets | $776,860,330 | 897 |
| Average earning assets | $696,380,330 | 923 |
| Average equity | $96,978,330 | 801 |
| Average total loans | $490,197,330 | 956 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 2,316 |
| Cost of funding earning assets | 0.3095% | 4,332 |
| Net interest margin | 3.9295% | 1,791 |
| Noninterest income to average assets | 0.6932% | 2,184 |
| Noninterest expense to average assets | 2.8932% | 2,930 |
| Loan and lease loss provision to assets | 0.0257% | 3,366 |
| Net operating income to assets | 0.9866% | 2,324 |
| Return on assets (ROA) | 1.1219% | 1,896 |
| Pretax return on assets | 1.4811% | 1,626 |
| Return on Equity (ROE) | 9.0056% | 2,444 |
| Retained earnings to average equity (ytd only) | 4.5937% | 3,274 |
| Net charge-offs to loans | 0.0575% | 2,181 |
| Credit loss provision to net charge-offs | 71.4286% | 1,900 |
| Earnings coverage of net charge-offs (x) | 36.8857% | 1,028 |
| Efficiency ratio | 65.8459% | 4,185 |
| Assets per employee ($millions) | 3.9007% | 4,160 |
| Cash dividends to net income (ytd only)* | 48.9908% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 5,528 |
| Loan loss allowance to noncurrent loans | 139.6972% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 4,093 |
| Noncurrent loans to loans | 0.6206% | 3,716 |
| Net loans and leases to total assets | 62.5174% | 3,284 |
| Net loans and leases to deposits | 74.5627% | 3,226 |
| Net loans and leases to core deposits | 76.3526% | 3,555 |
| Total domestic deposits to total assets | 83.8454% | 3,874 |
| Equity capital to assets | 12.5795% | 1,644 |
| Core capital (leverage) ratio | 9.3757% | 4,466 |
| Tier 1 risk-based capital ratio | 13.3017% | 4,431 |
| Total risk-based capital ratio | 14.1047% | 4,604 |
| Memoranda: | ||
| Average total assets | $777,261,500 | 899 |
| Average earning assets | $698,005,000 | 921 |
| Average equity | $96,829,000 | 800 |
| Average total loans | $486,788,500 | 963 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3119% | 2,563 |
| Cost of funding earning assets | 0.3188% | 4,597 |
| Net interest margin | 3.9931% | 1,920 |
| Noninterest income to average assets | 0.7376% | 2,131 |
| Noninterest expense to average assets | 2.7622% | 3,626 |
| Loan and lease loss provision to assets | 0.0932% | 2,601 |
| Net operating income to assets | 1.1010% | 1,974 |
| Return on assets (ROA) | 1.1023% | 2,020 |
| Pretax return on assets | 1.4591% | 1,698 |
| Return on Equity (ROE) | 9.4113% | 2,384 |
| Retained earnings to average equity (ytd only) | 4.8272% | 2,737 |
| Net charge-offs to loans | 0.1090% | 2,961 |
| Credit loss provision to net charge-offs | 142.8571% | 1,664 |
| Earnings coverage of net charge-offs (x) | 23.7664% | 1,566 |
| Efficiency ratio | 61.0975% | 5,049 |
| Assets per employee ($millions) | 3.8339% | 4,278 |
| Cash dividends to net income (ytd only)* | 48.7089% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 5,525 |
| Loan loss allowance to noncurrent loans | 104.5098% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6354% | 3,670 |
| Noncurrent loans to loans | 0.8429% | 3,208 |
| Net loans and leases to total assets | 61.6464% | 3,547 |
| Net loans and leases to deposits | 73.8778% | 3,451 |
| Net loans and leases to core deposits | 75.8290% | 3,731 |
| Total domestic deposits to total assets | 83.4438% | 3,931 |
| Equity capital to assets | 12.3363% | 1,746 |
| Core capital (leverage) ratio | 8.7137% | 5,335 |
| Tier 1 risk-based capital ratio | 12.8594% | 4,818 |
| Total risk-based capital ratio | 13.6928% | 4,991 |
| Memoranda: | ||
| Average total assets | $793,959,000 | 853 |
| Average earning assets | $710,876,200 | 863 |
| Average equity | $92,994,400 | 799 |
| Average total loans | $475,100,200 | 932 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 2,552 |
| Cost of funding earning assets | 0.3160% | 4,719 |
| Net interest margin | 4.0008% | 1,877 |
| Noninterest income to average assets | 0.7296% | 2,187 |
| Noninterest expense to average assets | 2.7121% | 3,788 |
| Loan and lease loss provision to assets | 0.0919% | 2,515 |
| Net operating income to assets | 1.1326% | 1,923 |
| Return on assets (ROA) | 1.1343% | 1,982 |
| Pretax return on assets | 1.5073% | 1,625 |
| Return on Equity (ROE) | 9.8118% | 2,301 |
| Retained earnings to average equity (ytd only) | 5.1950% | 2,956 |
| Net charge-offs to loans | 0.0832% | 3,015 |
| Credit loss provision to net charge-offs | 186.4407% | 1,345 |
| Earnings coverage of net charge-offs (x) | 32.3935% | 1,302 |
| Efficiency ratio | 60.0016% | 5,177 |
| Assets per employee ($millions) | 3.8047% | 4,276 |
| Cash dividends to net income (ytd only)* | 47.0536% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 5,589 |
| Loan loss allowance to noncurrent loans | 79.5446% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8031% | 3,412 |
| Noncurrent loans to loans | 1.1380% | 2,784 |
| Net loans and leases to total assets | 61.2027% | 3,592 |
| Net loans and leases to deposits | 72.6843% | 3,602 |
| Net loans and leases to core deposits | 74.4821% | 3,897 |
| Total domestic deposits to total assets | 84.2035% | 3,684 |
| Equity capital to assets | 12.3886% | 1,780 |
| Core capital (leverage) ratio | 8.5490% | 5,596 |
| Tier 1 risk-based capital ratio | 12.8740% | 4,932 |
| Total risk-based capital ratio | 13.7302% | 5,115 |
| Memoranda: | ||
| Average total assets | $797,876,250 | 853 |
| Average earning assets | $713,834,500 | 863 |
| Average equity | $92,240,000 | 802 |
| Average total loans | $472,862,250 | 942 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 2,730 |
| Cost of funding earning assets | 0.3194% | 4,766 |
| Net interest margin | 3.9416% | 2,009 |
| Noninterest income to average assets | 0.6961% | 2,301 |
| Noninterest expense to average assets | 2.6430% | 4,085 |
| Loan and lease loss provision to assets | 0.0991% | 2,370 |
| Net operating income to assets | 1.1140% | 1,881 |
| Return on assets (ROA) | 1.1166% | 1,946 |
| Pretax return on assets | 1.4813% | 1,595 |
| Return on Equity (ROE) | 9.8828% | 2,207 |
| Retained earnings to average equity (ytd only) | 5.2187% | 2,818 |
| Net charge-offs to loans | 0.0877% | 2,815 |
| Credit loss provision to net charge-offs | 193.2367% | 1,210 |
| Earnings coverage of net charge-offs (x) | 30.7633% | 1,236 |
| Efficiency ratio | 59.6679% | 5,340 |
| Assets per employee ($millions) | 3.8915% | 4,078 |
| Cash dividends to net income (ytd only)* | 47.1945% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 5,753 |
| Loan loss allowance to noncurrent loans | 71.9504% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 3,437 |
| Noncurrent loans to loans | 1.2344% | 2,762 |
| Net loans and leases to total assets | 59.8233% | 3,749 |
| Net loans and leases to deposits | 71.7213% | 3,608 |
| Net loans and leases to core deposits | 73.3227% | 3,917 |
| Total domestic deposits to total assets | 83.4109% | 4,145 |
| Equity capital to assets | 11.8772% | 2,079 |
| Core capital (leverage) ratio | 8.1068% | 6,015 |
| Tier 1 risk-based capital ratio | 12.3544% | 5,333 |
| Total risk-based capital ratio | 13.1887% | 5,502 |
| Memoranda: | ||
| Average total assets | $807,650,330 | 845 |
| Average earning assets | $722,040,330 | 851 |
| Average equity | $91,249,000 | 804 |
| Average total loans | $472,258,670 | 938 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 2,933 |
| Cost of funding earning assets | 0.3299% | 4,736 |
| Net interest margin | 3.8546% | 2,257 |
| Noninterest income to average assets | 0.6447% | 2,489 |
| Noninterest expense to average assets | 2.5382% | 4,487 |
| Loan and lease loss provision to assets | 0.0980% | 2,288 |
| Net operating income to assets | 1.1023% | 1,805 |
| Return on assets (ROA) | 1.1023% | 1,863 |
| Pretax return on assets | 1.4604% | 1,546 |
| Return on Equity (ROE) | 10.0044% | 2,033 |
| Retained earnings to average equity (ytd only) | 5.2779% | 2,938 |
| Net charge-offs to loans | 0.1285% | 1,944 |
| Credit loss provision to net charge-offs | 132.4503% | 1,363 |
| Earnings coverage of net charge-offs (x) | 21.0662% | 1,309 |
| Efficiency ratio | 58.9333% | 5,546 |
| Assets per employee ($millions) | 4.1666% | 3,597 |
| Cash dividends to net income (ytd only)* | 47.2444% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 5,926 |
| Loan loss allowance to noncurrent loans | 67.9508% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 0.8619% | 3,573 |
| Noncurrent loans to loans | 1.2945% | 2,863 |
| Net loans and leases to total assets | 56.4637% | 4,085 |
| Net loans and leases to deposits | 66.7747% | 3,997 |
| Net loans and leases to core deposits | 68.4153% | 4,267 |
| Total domestic deposits to total assets | 84.5584% | 4,062 |
| Equity capital to assets | 11.1840% | 2,541 |
| Core capital (leverage) ratio | 7.7955% | 6,221 |
| Tier 1 risk-based capital ratio | 12.1430% | 5,547 |
| Total risk-based capital ratio | 12.9584% | 5,750 |
| Memoranda: | ||
| Average total assets | $816,487,500 | 840 |
| Average earning assets | $731,170,000 | 849 |
| Average equity | $89,960,000 | 817 |
| Average total loans | $469,975,500 | 948 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 5,421 |
| Cost of funding earning assets | 0.3330% | 5,299 |
| Net interest margin | 3.2601% | 4,804 |
| Noninterest income to average assets | 0.8619% | 1,821 |
| Noninterest expense to average assets | 2.8958% | 3,383 |
| Loan and lease loss provision to assets | 0.0416% | 4,282 |
| Net operating income to assets | 0.7060% | 3,770 |
| Return on assets (ROA) | 0.7419% | 3,688 |
| Pretax return on assets | 0.9125% | 3,713 |
| Return on Equity (ROE) | 6.6440% | 3,750 |
| Retained earnings to average equity (ytd only) | -10.3836% | 6,543 |
| Net charge-offs to loans | 0.1585% | 3,217 |
| Credit loss provision to net charge-offs | 49.2832% | 3,835 |
| Earnings coverage of net charge-offs (x) | 10.7849% | 2,318 |
| Efficiency ratio | 75.0119% | 2,949 |
| Assets per employee ($millions) | 4.2964% | 3,277 |
| Cash dividends to net income (ytd only)* | 256.2869% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 6,057 |
| Loan loss allowance to noncurrent loans | 64.8796% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 3,713 |
| Noncurrent loans to loans | 1.3123% | 2,942 |
| Net loans and leases to total assets | 57.6617% | 4,091 |
| Net loans and leases to deposits | 68.3194% | 4,000 |
| Net loans and leases to core deposits | 70.4924% | 4,245 |
| Total domestic deposits to total assets | 84.4002% | 4,016 |
| Equity capital to assets | 10.8518% | 2,759 |
| Core capital (leverage) ratio | 9.1388% | 4,800 |
| Tier 1 risk-based capital ratio | 11.7519% | 5,777 |
| Total risk-based capital ratio | 12.5492% | 5,960 |
| Memoranda: | ||
| Average total assets | $661,450,200 | 1,010 |
| Average earning assets | $597,251,600 | 1,024 |
| Average equity | $73,856,600 | 966 |
| Average total loans | $352,055,200 | 1,216 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 5,239 |
| Cost of funding earning assets | 0.3484% | 5,308 |
| Net interest margin | 3.3258% | 4,545 |
| Noninterest income to average assets | 0.7220% | 2,500 |
| Noninterest expense to average assets | 2.7275% | 3,911 |
| Loan and lease loss provision to assets | 0.0589% | 3,869 |
| Net operating income to assets | 0.7895% | 3,400 |
| Return on assets (ROA) | 0.8442% | 3,247 |
| Pretax return on assets | 1.0185% | 3,429 |
| Return on Equity (ROE) | 7.4916% | 3,382 |
| Retained earnings to average equity (ytd only) | 2.4035% | 4,892 |
| Net charge-offs to loans | 0.1987% | 2,646 |
| Credit loss provision to net charge-offs | 57.4113% | 3,350 |
| Earnings coverage of net charge-offs (x) | 9.8622% | 2,425 |
| Efficiency ratio | 71.7803% | 3,446 |
| Assets per employee ($millions) | 3.9490% | 3,936 |
| Cash dividends to net income (ytd only)* | 67.9179% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 4,589 |
| Loan loss allowance to noncurrent loans | 118.5217% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 4,320 |
| Noncurrent loans to loans | 1.0638% | 3,674 |
| Net loans and leases to total assets | 52.3889% | 4,827 |
| Net loans and leases to deposits | 61.9361% | 4,770 |
| Net loans and leases to core deposits | 63.5861% | 4,934 |
| Total domestic deposits to total assets | 84.5855% | 3,936 |
| Equity capital to assets | 11.2225% | 2,539 |
| Core capital (leverage) ratio | 8.6077% | 5,648 |
| Tier 1 risk-based capital ratio | 14.3527% | 4,183 |
| Total risk-based capital ratio | 15.4895% | 4,205 |
| Memoranda: | ||
| Average total assets | $622,731,750 | 1,080 |
| Average earning assets | $564,902,500 | 1,084 |
| Average equity | $70,174,250 | 1,023 |
| Average total loans | $321,382,000 | 1,328 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 5,260 |
| Cost of funding earning assets | 0.3572% | 5,338 |
| Net interest margin | 3.3024% | 4,571 |
| Noninterest income to average assets | 0.7114% | 2,586 |
| Noninterest expense to average assets | 2.6709% | 4,139 |
| Loan and lease loss provision to assets | 0.0720% | 3,599 |
| Net operating income to assets | 0.7932% | 3,329 |
| Return on assets (ROA) | 0.8740% | 3,084 |
| Pretax return on assets | 1.0644% | 3,247 |
| Return on Equity (ROE) | 7.7453% | 3,216 |
| Retained earnings to average equity (ytd only) | 2.7878% | 4,538 |
| Net charge-offs to loans | 0.2197% | 2,427 |
| Credit loss provision to net charge-offs | 64.1026% | 2,945 |
| Earnings coverage of net charge-offs (x) | 9.2393% | 2,308 |
| Efficiency ratio | 70.8430% | 3,669 |
| Assets per employee ($millions) | 3.7465% | 4,309 |
| Cash dividends to net income (ytd only)* | 64.0059% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 4,479 |
| Loan loss allowance to noncurrent loans | 127.6680% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.7667% | 4,303 |
| Noncurrent loans to loans | 1.0231% | 3,889 |
| Net loans and leases to total assets | 51.6366% | 4,913 |
| Net loans and leases to deposits | 61.1221% | 4,845 |
| Net loans and leases to core deposits | 62.7062% | 5,035 |
| Total domestic deposits to total assets | 84.4810% | 4,133 |
| Equity capital to assets | 11.0888% | 2,669 |
| Core capital (leverage) ratio | 8.5307% | 5,631 |
| Tier 1 risk-based capital ratio | 14.4204% | 4,147 |
| Total risk-based capital ratio | 15.5925% | 4,152 |
| Memoranda: | ||
| Average total assets | $624,959,670 | 1,072 |
| Average earning assets | $567,224,670 | 1,078 |
| Average equity | $70,520,330 | 1,024 |
| Average total loans | $319,555,330 | 1,332 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6512% | 5,300 |
| Cost of funding earning assets | 0.3583% | 5,461 |
| Net interest margin | 3.2930% | 4,544 |
| Noninterest income to average assets | 0.6664% | 2,779 |
| Noninterest expense to average assets | 2.5953% | 4,421 |
| Loan and lease loss provision to assets | 0.0793% | 3,316 |
| Net operating income to assets | 0.8054% | 3,131 |
| Return on assets (ROA) | 0.8054% | 3,265 |
| Pretax return on assets | 0.9730% | 3,471 |
| Return on Equity (ROE) | 7.0781% | 3,454 |
| Retained earnings to average equity (ytd only) | 2.2032% | 4,903 |
| Net charge-offs to loans | 0.2511% | 1,948 |
| Credit loss provision to net charge-offs | 62.5000% | 2,403 |
| Earnings coverage of net charge-offs (x) | 8.2900% | 1,960 |
| Efficiency ratio | 69.9669% | 3,982 |
| Assets per employee ($millions) | 3.8678% | 4,214 |
| Cash dividends to net income (ytd only)* | 68.8731% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 4,489 |
| Loan loss allowance to noncurrent loans | 111.6041% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 4,398 |
| Noncurrent loans to loans | 1.2057% | 3,758 |
| Net loans and leases to total assets | 49.4369% | 5,058 |
| Net loans and leases to deposits | 58.7316% | 4,944 |
| Net loans and leases to core deposits | 60.3049% | 5,111 |
| Total domestic deposits to total assets | 84.1743% | 4,405 |
| Equity capital to assets | 11.3433% | 2,590 |
| Core capital (leverage) ratio | 8.3427% | 5,770 |
| Tier 1 risk-based capital ratio | 14.4146% | 4,235 |
| Total risk-based capital ratio | 15.6166% | 4,226 |
| Memoranda: | ||
| Average total assets | $630,228,000 | 1,081 |
| Average earning assets | $570,544,500 | 1,082 |
| Average equity | $71,714,500 | 1,016 |
| Average total loans | $318,600,000 | 1,332 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 5,966 |
| Cost of funding earning assets | 0.5024% | 5,203 |
| Net interest margin | 3.2391% | 5,460 |
| Noninterest income to average assets | 0.6751% | 2,855 |
| Noninterest expense to average assets | 2.5990% | 4,746 |
| Loan and lease loss provision to assets | 0.0839% | 4,652 |
| Net operating income to assets | 0.7743% | 3,393 |
| Return on assets (ROA) | 0.8166% | 3,456 |
| Pretax return on assets | 0.9570% | 3,714 |
| Return on Equity (ROE) | 7.2642% | 3,490 |
| Retained earnings to average equity (ytd only) | 2.6386% | 4,377 |
| Net charge-offs to loans | 0.3159% | 3,059 |
| Credit loss provision to net charge-offs | 53.6810% | 4,605 |
| Earnings coverage of net charge-offs (x) | 6.3384% | 2,825 |
| Efficiency ratio | 70.6097% | 3,690 |
| Assets per employee ($millions) | 3.7725% | 4,420 |
| Cash dividends to net income (ytd only)* | 63.6773% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,422 |
| Loan loss allowance to noncurrent loans | 116.2634% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 4,476 |
| Noncurrent loans to loans | 1.1579% | 3,918 |
| Net loans and leases to total assets | 50.3089% | 5,121 |
| Net loans and leases to deposits | 61.9086% | 4,795 |
| Net loans and leases to core deposits | 63.7291% | 4,989 |
| Total domestic deposits to total assets | 81.2632% | 5,322 |
| Equity capital to assets | 11.4150% | 2,523 |
| Core capital (leverage) ratio | 8.3388% | 5,840 |
| Tier 1 risk-based capital ratio | 14.3043% | 4,163 |
| Total risk-based capital ratio | 15.5293% | 4,136 |
| Memoranda: | ||
| Average total assets | $625,387,400 | 1,056 |
| Average earning assets | $562,842,200 | 1,075 |
| Average equity | $70,303,600 | 999 |
| Average total loans | $309,566,600 | 1,357 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 6,080 |
| Cost of funding earning assets | 0.5308% | 5,237 |
| Net interest margin | 3.2442% | 5,568 |
| Noninterest income to average assets | 0.6382% | 3,058 |
| Noninterest expense to average assets | 2.5631% | 4,870 |
| Loan and lease loss provision to assets | 0.0694% | 4,807 |
| Net operating income to assets | 0.7567% | 3,664 |
| Return on assets (ROA) | 0.8112% | 3,634 |
| Pretax return on assets | 0.9923% | 3,745 |
| Return on Equity (ROE) | 7.2444% | 3,669 |
| Retained earnings to average equity (ytd only) | 2.7028% | 4,935 |
| Net charge-offs to loans | 0.3305% | 2,811 |
| Credit loss provision to net charge-offs | 42.7632% | 4,556 |
| Earnings coverage of net charge-offs (x) | 6.1316% | 2,845 |
| Efficiency ratio | 70.2281% | 3,648 |
| Assets per employee ($millions) | 3.7517% | 4,419 |
| Cash dividends to net income (ytd only)* | 62.6910% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 4,490 |
| Loan loss allowance to noncurrent loans | 134.3750% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7466% | 4,826 |
| Noncurrent loans to loans | 1.0211% | 4,408 |
| Net loans and leases to total assets | 50.7374% | 5,222 |
| Net loans and leases to deposits | 61.5566% | 5,017 |
| Net loans and leases to core deposits | 63.4012% | 5,216 |
| Total domestic deposits to total assets | 82.4240% | 4,863 |
| Equity capital to assets | 11.6683% | 2,571 |
| Core capital (leverage) ratio | 8.2252% | 6,110 |
| Tier 1 risk-based capital ratio | 14.2753% | 4,340 |
| Total risk-based capital ratio | 15.5165% | 4,311 |
| Memoranda: | ||
| Average total assets | $624,231,250 | 1,064 |
| Average earning assets | $561,890,000 | 1,086 |
| Average equity | $69,900,500 | 1,011 |
| Average total loans | $306,639,000 | 1,380 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 6,195 |
| Cost of funding earning assets | 0.5618% | 5,218 |
| Net interest margin | 3.2169% | 5,684 |
| Noninterest income to average assets | 0.6071% | 3,215 |
| Noninterest expense to average assets | 2.5784% | 4,848 |
| Loan and lease loss provision to assets | 0.0558% | 4,961 |
| Net operating income to assets | 0.7028% | 3,852 |
| Return on assets (ROA) | 0.7841% | 3,715 |
| Pretax return on assets | 0.9550% | 3,870 |
| Return on Equity (ROE) | 7.0998% | 3,728 |
| Retained earnings to average equity (ytd only) | 2.7458% | 4,792 |
| Net charge-offs to loans | 0.3303% | 2,707 |
| Credit loss provision to net charge-offs | 34.9301% | 4,359 |
| Earnings coverage of net charge-offs (x) | 5.7066% | 2,773 |
| Efficiency ratio | 72.0512% | 3,426 |
| Assets per employee ($millions) | 3.7218% | 4,479 |
| Cash dividends to net income (ytd only)* | 61.3257% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 4,364 |
| Loan loss allowance to noncurrent loans | 110.9698% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8633% | 4,649 |
| Noncurrent loans to loans | 1.2846% | 3,994 |
| Net loans and leases to total assets | 49.2266% | 5,454 |
| Net loans and leases to deposits | 59.3401% | 5,303 |
| Net loans and leases to core deposits | 61.0590% | 5,484 |
| Total domestic deposits to total assets | 82.9568% | 4,773 |
| Equity capital to assets | 11.2226% | 2,871 |
| Core capital (leverage) ratio | 8.1146% | 6,147 |
| Tier 1 risk-based capital ratio | 14.1257% | 4,355 |
| Total risk-based capital ratio | 15.3761% | 4,321 |
| Memoranda: | ||
| Average total assets | $627,214,330 | 1,058 |
| Average earning assets | $562,086,000 | 1,082 |
| Average equity | $69,269,670 | 1,014 |
| Average total loans | $303,345,000 | 1,393 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 6,280 |
| Cost of funding earning assets | 0.6092% | 5,058 |
| Net interest margin | 3.1755% | 5,833 |
| Noninterest income to average assets | 0.5673% | 3,448 |
| Noninterest expense to average assets | 2.5846% | 4,877 |
| Loan and lease loss provision to assets | 0.0796% | 4,403 |
| Net operating income to assets | 0.6431% | 4,152 |
| Return on assets (ROA) | 0.6431% | 4,360 |
| Pretax return on assets | 0.7444% | 4,630 |
| Return on Equity (ROE) | 5.8705% | 4,355 |
| Retained earnings to average equity (ytd only) | 2.7609% | 4,877 |
| Net charge-offs to loans | 0.4082% | 2,079 |
| Credit loss provision to net charge-offs | 40.9836% | 3,436 |
| Earnings coverage of net charge-offs (x) | 4.2426% | 2,621 |
| Efficiency ratio | 73.9585% | 3,105 |
| Assets per employee ($millions) | 3.8515% | 4,312 |
| Cash dividends to net income (ytd only)* | 52.9703% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,923 |
| Loan loss allowance to noncurrent loans | 91.2465% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 4,111 |
| Noncurrent loans to loans | 1.7030% | 3,557 |
| Net loans and leases to total assets | 46.3883% | 5,740 |
| Net loans and leases to deposits | 56.2306% | 5,572 |
| Net loans and leases to core deposits | 57.7178% | 5,738 |
| Total domestic deposits to total assets | 82.4967% | 5,129 |
| Equity capital to assets | 11.0161% | 2,889 |
| Core capital (leverage) ratio | 8.0639% | 6,195 |
| Tier 1 risk-based capital ratio | 14.7447% | 3,930 |
| Total risk-based capital ratio | 15.9992% | 3,886 |
| Memoranda: | ||
| Average total assets | $628,190,000 | 1,053 |
| Average earning assets | $562,047,500 | 1,090 |
| Average equity | $68,819,000 | 1,017 |
| Average total loans | $298,894,000 | 1,419 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 4,651 |
| Cost of funding earning assets | 0.7528% | 5,193 |
| Net interest margin | 3.8544% | 3,548 |
| Noninterest income to average assets | 0.7029% | 2,587 |
| Noninterest expense to average assets | 2.7978% | 4,353 |
| Loan and lease loss provision to assets | 0.1481% | 4,761 |
| Net operating income to assets | 0.9652% | 2,341 |
| Return on assets (ROA) | 0.9276% | 2,613 |
| Pretax return on assets | 1.1665% | 2,590 |
| Return on Equity (ROE) | 8.6033% | 2,630 |
| Retained earnings to average equity (ytd only) | 4.4974% | 2,972 |
| Net charge-offs to loans | 0.3278% | 3,751 |
| Credit loss provision to net charge-offs | 81.3221% | 4,392 |
| Earnings coverage of net charge-offs (x) | 7.4774% | 2,328 |
| Efficiency ratio | 66.9989% | 4,576 |
| Assets per employee ($millions) | 3.6759% | 4,601 |
| Cash dividends to net income (ytd only)* | 47.7240% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 3,652 |
| Loan loss allowance to noncurrent loans | 89.4254% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1488% | 4,320 |
| Noncurrent loans to loans | 1.7694% | 3,508 |
| Net loans and leases to total assets | 47.2791% | 5,900 |
| Net loans and leases to deposits | 59.2163% | 5,573 |
| Net loans and leases to core deposits | 60.8583% | 5,764 |
| Total domestic deposits to total assets | 79.8414% | 5,781 |
| Equity capital to assets | 10.8942% | 3,080 |
| Core capital (leverage) ratio | 9.5529% | 3,941 |
| Tier 1 risk-based capital ratio | 13.6676% | 4,573 |
| Total risk-based capital ratio | 14.9216% | 4,535 |
| Memoranda: | ||
| Average total assets | $523,380,800 | 1,278 |
| Average earning assets | $469,336,400 | 1,306 |
| Average equity | $56,432,000 | 1,205 |
| Average total loans | $290,734,200 | 1,471 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8852% | 3,624 |
| Cost of funding earning assets | 0.8145% | 5,055 |
| Net interest margin | 4.0707% | 2,597 |
| Noninterest income to average assets | 0.7156% | 2,507 |
| Noninterest expense to average assets | 2.8993% | 3,935 |
| Loan and lease loss provision to assets | 0.0805% | 5,434 |
| Net operating income to assets | 1.0888% | 2,013 |
| Return on assets (ROA) | 1.0375% | 2,341 |
| Pretax return on assets | 1.3272% | 2,193 |
| Return on Equity (ROE) | 9.6540% | 2,326 |
| Retained earnings to average equity (ytd only) | 5.4560% | 2,879 |
| Net charge-offs to loans | 0.1806% | 4,350 |
| Credit loss provision to net charge-offs | 76.9231% | 4,241 |
| Earnings coverage of net charge-offs (x) | 14.0845% | 1,557 |
| Efficiency ratio | 66.0410% | 4,712 |
| Assets per employee ($millions) | 3.3842% | 5,286 |
| Cash dividends to net income (ytd only)* | 43.4850% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 3,090 |
| Loan loss allowance to noncurrent loans | 93.5025% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.3870% | 4,047 |
| Noncurrent loans to loans | 1.8764% | 3,535 |
| Net loans and leases to total assets | 54.3790% | 5,116 |
| Net loans and leases to deposits | 67.9258% | 4,627 |
| Net loans and leases to core deposits | 70.2558% | 4,920 |
| Total domestic deposits to total assets | 80.0565% | 5,716 |
| Equity capital to assets | 11.2627% | 2,902 |
| Core capital (leverage) ratio | 8.5577% | 5,618 |
| Tier 1 risk-based capital ratio | 13.3994% | 4,809 |
| Total risk-based capital ratio | 14.9730% | 4,521 |
| Memoranda: | ||
| Average total assets | $497,081,000 | 1,347 |
| Average earning assets | $446,564,250 | 1,371 |
| Average equity | $53,420,250 | 1,274 |
| Average total loans | $287,926,500 | 1,496 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 3,888 |
| Cost of funding earning assets | 0.8624% | 4,967 |
| Net interest margin | 3.9823% | 2,927 |
| Noninterest income to average assets | 0.7051% | 2,525 |
| Noninterest expense to average assets | 2.8970% | 4,034 |
| Loan and lease loss provision to assets | 0.1613% | 4,309 |
| Net operating income to assets | 0.9700% | 2,355 |
| Return on assets (ROA) | 0.9346% | 2,599 |
| Pretax return on assets | 1.1762% | 2,570 |
| Return on Equity (ROE) | 8.8395% | 2,578 |
| Retained earnings to average equity (ytd only) | 4.4674% | 3,352 |
| Net charge-offs to loans | 0.5146% | 2,556 |
| Credit loss provision to net charge-offs | 53.3333% | 4,502 |
| Earnings coverage of net charge-offs (x) | 4.5693% | 2,827 |
| Efficiency ratio | 67.4239% | 4,621 |
| Assets per employee ($millions) | 3.4506% | 5,079 |
| Cash dividends to net income (ytd only)* | 49.4605% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 3,742 |
| Loan loss allowance to noncurrent loans | 86.9196% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.4776% | 3,992 |
| Noncurrent loans to loans | 1.8264% | 3,718 |
| Net loans and leases to total assets | 56.6664% | 4,875 |
| Net loans and leases to deposits | 71.9151% | 4,127 |
| Net loans and leases to core deposits | 74.7432% | 4,479 |
| Total domestic deposits to total assets | 78.7963% | 6,135 |
| Equity capital to assets | 10.7445% | 3,236 |
| Core capital (leverage) ratio | 8.4958% | 5,560 |
| Tier 1 risk-based capital ratio | 12.7859% | 5,103 |
| Total risk-based capital ratio | 14.3510% | 4,812 |
| Memoranda: | ||
| Average total assets | $495,821,670 | 1,357 |
| Average earning assets | $445,015,000 | 1,377 |
| Average equity | $52,423,670 | 1,284 |
| Average total loans | $291,493,330 | 1,492 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 3,830 |
| Cost of funding earning assets | 0.9446% | 4,612 |
| Net interest margin | 3.9028% | 3,125 |
| Noninterest income to average assets | 0.6840% | 2,662 |
| Noninterest expense to average assets | 3.0164% | 3,572 |
| Loan and lease loss provision to assets | 0.0813% | 4,991 |
| Net operating income to assets | 0.8938% | 2,595 |
| Return on assets (ROA) | 0.8198% | 2,985 |
| Pretax return on assets | 0.9938% | 3,154 |
| Return on Equity (ROE) | 7.8183% | 2,998 |
| Retained earnings to average equity (ytd only) | 3.0792% | 4,317 |
| Net charge-offs to loans | 0.4298% | 2,407 |
| Credit loss provision to net charge-offs | 31.8471% | 4,086 |
| Earnings coverage of net charge-offs (x) | 4.5637% | 2,444 |
| Efficiency ratio | 71.8592% | 3,898 |
| Assets per employee ($millions) | 3.2954% | 5,492 |
| Cash dividends to net income (ytd only)* | 60.6151% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 3,611 |
| Loan loss allowance to noncurrent loans | 68.2695% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.5802% | 3,878 |
| Noncurrent loans to loans | 2.3862% | 3,104 |
| Net loans and leases to total assets | 57.9303% | 4,658 |
| Net loans and leases to deposits | 73.3893% | 3,862 |
| Net loans and leases to core deposits | 75.7693% | 4,328 |
| Total domestic deposits to total assets | 78.9356% | 6,206 |
| Equity capital to assets | 10.5269% | 3,153 |
| Core capital (leverage) ratio | 8.3454% | 5,720 |
| Tier 1 risk-based capital ratio | 12.5004% | 5,266 |
| Total risk-based capital ratio | 14.0651% | 4,951 |
| Memoranda: | ||
| Average total assets | $491,840,000 | 1,375 |
| Average earning assets | $440,811,000 | 1,401 |
| Average equity | $51,571,000 | 1,294 |
| Average total loans | $292,199,000 | 1,504 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2351% | 3,435 |
| Cost of funding earning assets | 1.2167% | 4,442 |
| Net interest margin | 4.0184% | 2,934 |
| Noninterest income to average assets | 0.7683% | 2,438 |
| Noninterest expense to average assets | 2.9947% | 3,866 |
| Loan and lease loss provision to assets | 0.3444% | 4,074 |
| Net operating income to assets | 0.8171% | 2,721 |
| Return on assets (ROA) | 0.8189% | 2,853 |
| Pretax return on assets | 1.0206% | 2,865 |
| Return on Equity (ROE) | 7.7475% | 2,799 |
| Retained earnings to average equity (ytd only) | 1.7141% | 4,658 |
| Net charge-offs to loans | 0.3740% | 4,165 |
| Credit loss provision to net charge-offs | 145.2732% | 2,544 |
| Earnings coverage of net charge-offs (x) | 5.7476% | 2,542 |
| Efficiency ratio | 68.4521% | 4,464 |
| Assets per employee ($millions) | 3.2625% | 5,508 |
| Cash dividends to net income (ytd only)* | 77.8754% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 3,254 |
| Loan loss allowance to noncurrent loans | 105.1347% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 4,374 |
| Noncurrent loans to loans | 1.6069% | 4,093 |
| Net loans and leases to total assets | 58.9219% | 4,864 |
| Net loans and leases to deposits | 75.0597% | 4,014 |
| Net loans and leases to core deposits | 78.1250% | 4,450 |
| Total domestic deposits to total assets | 78.5000% | 6,215 |
| Equity capital to assets | 10.4433% | 3,225 |
| Core capital (leverage) ratio | 8.1681% | 5,877 |
| Tier 1 risk-based capital ratio | 12.4572% | 5,065 |
| Total risk-based capital ratio | 14.3361% | 4,495 |
| Memoranda: | ||
| Average total assets | $486,284,800 | 1,374 |
| Average earning assets | $434,354,400 | 1,398 |
| Average equity | $51,397,000 | 1,298 |
| Average total loans | $308,300,400 | 1,451 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2757% | 3,468 |
| Cost of funding earning assets | 1.2461% | 4,593 |
| Net interest margin | 4.0295% | 2,956 |
| Noninterest income to average assets | 0.7376% | 2,595 |
| Noninterest expense to average assets | 2.9727% | 3,844 |
| Loan and lease loss provision to assets | 0.3433% | 3,865 |
| Net operating income to assets | 0.8116% | 2,952 |
| Return on assets (ROA) | 0.8140% | 3,085 |
| Pretax return on assets | 1.0282% | 3,078 |
| Return on Equity (ROE) | 7.6781% | 3,035 |
| Retained earnings to average equity (ytd only) | 1.3652% | 5,263 |
| Net charge-offs to loans | 0.2213% | 4,615 |
| Credit loss provision to net charge-offs | 241.3127% | 1,402 |
| Earnings coverage of net charge-offs (x) | 9.6197% | 1,998 |
| Efficiency ratio | 68.2060% | 4,427 |
| Assets per employee ($millions) | 3.3497% | 5,330 |
| Cash dividends to net income (ytd only)* | 82.2199% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 3,134 |
| Loan loss allowance to noncurrent loans | 120.6824% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 1.5219% | 4,168 |
| Noncurrent loans to loans | 1.4123% | 4,497 |
| Net loans and leases to total assets | 59.6707% | 4,972 |
| Net loans and leases to deposits | 78.4239% | 3,750 |
| Net loans and leases to core deposits | 81.7460% | 4,279 |
| Total domestic deposits to total assets | 76.0874% | 6,638 |
| Equity capital to assets | 10.5492% | 3,466 |
| Core capital (leverage) ratio | 8.2982% | 5,873 |
| Tier 1 risk-based capital ratio | 12.2463% | 5,222 |
| Total risk-based capital ratio | 14.1064% | 4,677 |
| Memoranda: | ||
| Average total assets | $485,511,750 | 1,399 |
| Average earning assets | $434,182,250 | 1,421 |
| Average equity | $51,469,500 | 1,300 |
| Average total loans | $312,049,250 | 1,456 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 3,278 |
| Cost of funding earning assets | 1.2752% | 4,684 |
| Net interest margin | 4.0614% | 2,743 |
| Noninterest income to average assets | 0.7102% | 2,647 |
| Noninterest expense to average assets | 2.9465% | 3,906 |
| Loan and lease loss provision to assets | 0.4574% | 3,033 |
| Net operating income to assets | 0.7325% | 3,266 |
| Return on assets (ROA) | 0.7352% | 3,406 |
| Pretax return on assets | 0.9356% | 3,357 |
| Return on Equity (ROE) | 6.9231% | 3,342 |
| Retained earnings to average equity (ytd only) | 0.5717% | 5,535 |
| Net charge-offs to loans | 0.1587% | 4,672 |
| Credit loss provision to net charge-offs | 440.0000% | 821 |
| Earnings coverage of net charge-offs (x) | 13.3680% | 1,595 |
| Efficiency ratio | 67.6736% | 4,637 |
| Assets per employee ($millions) | 3.2366% | 5,581 |
| Cash dividends to net income (ytd only)* | 91.7421% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7232% | 2,987 |
| Loan loss allowance to noncurrent loans | 112.4521% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3441% | 4,474 |
| Noncurrent loans to loans | 1.5323% | 4,418 |
| Net loans and leases to total assets | 62.4789% | 4,588 |
| Net loans and leases to deposits | 83.2705% | 3,019 |
| Net loans and leases to core deposits | 87.5991% | 3,601 |
| Total domestic deposits to total assets | 75.0313% | 6,852 |
| Equity capital to assets | 10.6756% | 3,198 |
| Core capital (leverage) ratio | 8.3356% | 5,696 |
| Tier 1 risk-based capital ratio | 12.2183% | 5,108 |
| Total risk-based capital ratio | 14.0983% | 4,525 |
| Memoranda: | ||
| Average total assets | $480,979,330 | 1,424 |
| Average earning assets | $429,408,330 | 1,451 |
| Average equity | $51,075,330 | 1,303 |
| Average total loans | $315,070,330 | 1,460 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 3,136 |
| Cost of funding earning assets | 1.2982% | 4,824 |
| Net interest margin | 4.0827% | 2,517 |
| Noninterest income to average assets | 0.7128% | 2,515 |
| Noninterest expense to average assets | 2.9421% | 3,904 |
| Loan and lease loss provision to assets | 0.4164% | 2,878 |
| Net operating income to assets | 0.7686% | 3,117 |
| Return on assets (ROA) | 0.7686% | 3,232 |
| Pretax return on assets | 0.9868% | 3,139 |
| Return on Equity (ROE) | 7.2575% | 3,218 |
| Retained earnings to average equity (ytd only) | 0.9436% | 5,435 |
| Net charge-offs to loans | 0.0463% | 4,947 |
| Credit loss provision to net charge-offs | 1,351.3514% | 366 |
| Earnings coverage of net charge-offs (x) | 45.5405% | 609 |
| Efficiency ratio | 67.4396% | 4,827 |
| Assets per employee ($millions) | 3.2812% | 5,580 |
| Cash dividends to net income (ytd only)* | 86.9989% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5585% | 3,624 |
| Loan loss allowance to noncurrent loans | 100.9485% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.4988% | 4,259 |
| Noncurrent loans to loans | 1.5439% | 4,432 |
| Net loans and leases to total assets | 64.5534% | 4,205 |
| Net loans and leases to deposits | 84.0716% | 2,928 |
| Net loans and leases to core deposits | 89.2976% | 3,457 |
| Total domestic deposits to total assets | 76.7838% | 6,600 |
| Equity capital to assets | 10.6415% | 3,101 |
| Core capital (leverage) ratio | 8.3314% | 5,687 |
| Tier 1 risk-based capital ratio | 12.0937% | 5,094 |
| Total risk-based capital ratio | 13.9663% | 4,510 |
| Memoranda: | ||
| Average total assets | $480,343,500 | 1,458 |
| Average earning assets | $427,359,500 | 1,495 |
| Average equity | $50,871,500 | 1,311 |
| Average total loans | $319,311,500 | 1,481 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 3,012 |
| Cost of funding earning assets | 1.5479% | 5,295 |
| Net interest margin | 4.1712% | 2,172 |
| Noninterest income to average assets | 0.7655% | 2,585 |
| Noninterest expense to average assets | 3.0027% | 4,132 |
| Loan and lease loss provision to assets | 0.6437% | 3,228 |
| Net operating income to assets | 0.6617% | 3,092 |
| Return on assets (ROA) | 0.6617% | 3,140 |
| Pretax return on assets | 0.8634% | 3,038 |
| Return on Equity (ROE) | 6.1275% | 3,162 |
| Retained earnings to average equity (ytd only) | 1.5577% | 3,987 |
| Net charge-offs to loans | 0.5523% | 3,576 |
| Credit loss provision to net charge-offs | 161.8123% | 2,729 |
| Earnings coverage of net charge-offs (x) | 3.7886% | 3,198 |
| Efficiency ratio | 66.3067% | 5,336 |
| Assets per employee ($millions) | 3.2989% | 5,491 |
| Cash dividends to net income (ytd only)* | 74.5785% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 4,406 |
| Loan loss allowance to noncurrent loans | 74.5293% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.7187% | 3,787 |
| Noncurrent loans to loans | 1.8331% | 3,879 |
| Net loans and leases to total assets | 66.4507% | 4,045 |
| Net loans and leases to deposits | 86.3283% | 2,851 |
| Net loans and leases to core deposits | 99.8157% | 4,022 |
| Total domestic deposits to total assets | 76.9744% | 6,482 |
| Equity capital to assets | 10.5401% | 3,142 |
| Core capital (leverage) ratio | 8.3994% | 5,441 |
| Tier 1 risk-based capital ratio | 11.7314% | 5,166 |
| Total risk-based capital ratio | 13.8852% | 4,352 |
| Memoranda: | ||
| Average total assets | $466,073,400 | 1,487 |
| Average earning assets | $418,363,800 | 1,513 |
| Average equity | $50,330,200 | 1,333 |
| Average total loans | $335,666,000 | 1,435 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7594% | 3,065 |
| Cost of funding earning assets | 1.5868% | 5,463 |
| Net interest margin | 4.1726% | 2,147 |
| Noninterest income to average assets | 0.7850% | 2,513 |
| Noninterest expense to average assets | 3.0723% | 3,761 |
| Loan and lease loss provision to assets | 0.6779% | 2,706 |
| Net operating income to assets | 0.6081% | 3,585 |
| Return on assets (ROA) | 0.6081% | 3,635 |
| Pretax return on assets | 0.7927% | 3,564 |
| Return on Equity (ROE) | 5.5964% | 3,700 |
| Retained earnings to average equity (ytd only) | 1.2133% | 4,646 |
| Net charge-offs to loans | 0.3943% | 3,693 |
| Credit loss provision to net charge-offs | 234.7652% | 1,861 |
| Earnings coverage of net charge-offs (x) | 5.0929% | 2,925 |
| Efficiency ratio | 67.3546% | 5,110 |
| Assets per employee ($millions) | 3.1907% | 5,673 |
| Cash dividends to net income (ytd only)* | 78.3206% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 3,913 |
| Loan loss allowance to noncurrent loans | 71.7092% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.4928% | 4,135 |
| Noncurrent loans to loans | 1.9587% | 3,691 |
| Net loans and leases to total assets | 69.8565% | 3,557 |
| Net loans and leases to deposits | 91.9693% | 2,234 |
| Net loans and leases to core deposits | 107.7677% | 3,499 |
| Total domestic deposits to total assets | 75.9563% | 6,588 |
| Equity capital to assets | 11.0049% | 2,996 |
| Core capital (leverage) ratio | 8.4714% | 5,540 |
| Tier 1 risk-based capital ratio | 11.6284% | 5,307 |
| Total risk-based capital ratio | 13.7809% | 4,469 |
| Memoranda: | ||
| Average total assets | $462,182,500 | 1,510 |
| Average earning assets | $416,257,000 | 1,533 |
| Average equity | $50,221,500 | 1,358 |
| Average total loans | $338,461,500 | 1,440 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7941% | 3,078 |
| Cost of funding earning assets | 1.6121% | 5,698 |
| Net interest margin | 4.1820% | 2,058 |
| Noninterest income to average assets | 0.8148% | 2,338 |
| Noninterest expense to average assets | 3.0901% | 3,738 |
| Loan and lease loss provision to assets | 0.4773% | 3,137 |
| Net operating income to assets | 0.7519% | 3,035 |
| Return on assets (ROA) | 0.7519% | 3,140 |
| Pretax return on assets | 1.0135% | 2,954 |
| Return on Equity (ROE) | 6.9496% | 3,223 |
| Retained earnings to average equity (ytd only) | 2.5344% | 3,918 |
| Net charge-offs to loans | 0.4085% | 3,158 |
| Credit loss provision to net charge-offs | 157.8192% | 2,922 |
| Earnings coverage of net charge-offs (x) | 4.9297% | 2,954 |
| Efficiency ratio | 67.1813% | 5,321 |
| Assets per employee ($millions) | 3.1080% | 5,845 |
| Cash dividends to net income (ytd only)* | 63.5314% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 5,577 |
| Loan loss allowance to noncurrent loans | 74.2702% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.1714% | 4,603 |
| Noncurrent loans to loans | 1.4858% | 4,269 |
| Net loans and leases to total assets | 70.9153% | 3,484 |
| Net loans and leases to deposits | 91.8994% | 2,488 |
| Net loans and leases to core deposits | 106.8156% | 3,744 |
| Total domestic deposits to total assets | 77.1662% | 6,280 |
| Equity capital to assets | 10.7853% | 3,130 |
| Core capital (leverage) ratio | 8.6191% | 5,229 |
| Tier 1 risk-based capital ratio | 11.9416% | 4,966 |
| Total risk-based capital ratio | 13.9935% | 4,238 |
| Memoranda: | ||
| Average total assets | $460,960,670 | 1,538 |
| Average earning assets | $415,110,000 | 1,564 |
| Average equity | $49,873,330 | 1,380 |
| Average total loans | $341,261,670 | 1,461 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8236% | 3,179 |
| Cost of funding earning assets | 1.6404% | 5,857 |
| Net interest margin | 4.1832% | 1,962 |
| Noninterest income to average assets | 0.7444% | 2,633 |
| Noninterest expense to average assets | 2.9716% | 3,886 |
| Loan and lease loss provision to assets | 0.5236% | 2,376 |
| Net operating income to assets | 0.7558% | 3,326 |
| Return on assets (ROA) | 0.7558% | 3,502 |
| Pretax return on assets | 1.0193% | 3,273 |
| Return on Equity (ROE) | 6.9741% | 3,605 |
| Retained earnings to average equity (ytd only) | 2.5368% | 4,466 |
| Net charge-offs to loans | 0.0824% | 4,343 |
| Credit loss provision to net charge-offs | 845.0704% | 720 |
| Earnings coverage of net charge-offs (x) | 24.9014% | 1,225 |
| Efficiency ratio | 65.5519% | 5,416 |
| Assets per employee ($millions) | 3.0437% | 6,040 |
| Cash dividends to net income (ytd only)* | 63.6259% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 5,313 |
| Loan loss allowance to noncurrent loans | 84.3874% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.0987% | 4,489 |
| Noncurrent loans to loans | 1.3298% | 4,319 |
| Net loans and leases to total assets | 73.6470% | 2,856 |
| Net loans and leases to deposits | 95.6529% | 1,998 |
| Net loans and leases to core deposits | 111.2733% | 3,286 |
| Total domestic deposits to total assets | 76.9941% | 6,279 |
| Equity capital to assets | 10.9364% | 3,025 |
| Core capital (leverage) ratio | 8.5724% | 5,388 |
| Tier 1 risk-based capital ratio | 11.7944% | 5,131 |
| Total risk-based capital ratio | 13.8768% | 4,372 |
| Memoranda: | ||
| Average total assets | $458,341,000 | 1,555 |
| Average earning assets | $413,079,000 | 1,574 |
| Average equity | $49,669,500 | 1,384 |
| Average total loans | $344,744,500 | 1,460 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3280% | 3,806 |
| Cost of funding earning assets | 2.0431% | 6,271 |
| Net interest margin | 4.2849% | 2,035 |
| Noninterest income to average assets | 0.7450% | 2,811 |
| Noninterest expense to average assets | 2.9412% | 4,296 |
| Loan and lease loss provision to assets | 0.3401% | 3,667 |
| Net operating income to assets | 0.9407% | 2,828 |
| Return on assets (ROA) | 0.9437% | 2,676 |
| Pretax return on assets | 1.3150% | 2,262 |
| Return on Equity (ROE) | 8.8762% | 2,685 |
| Retained earnings to average equity (ytd only) | 2.8975% | 3,373 |
| Net charge-offs to loans | 0.4679% | 2,490 |
| Credit loss provision to net charge-offs | 95.6200% | 5,529 |
| Earnings coverage of net charge-offs (x) | 4.6416% | 3,913 |
| Efficiency ratio | 63.7710% | 5,610 |
| Assets per employee ($millions) | 3.0472% | 5,937 |
| Cash dividends to net income (ytd only)* | 67.3564% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 6,445 |
| Loan loss allowance to noncurrent loans | 150.9876% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 5,564 |
| Noncurrent loans to loans | 0.6230% | 5,498 |
| Net loans and leases to total assets | 75.2285% | 2,825 |
| Net loans and leases to deposits | 100.3098% | 1,810 |
| Net loans and leases to core deposits | 116.0446% | 3,115 |
| Total domestic deposits to total assets | 74.9962% | 6,452 |
| Equity capital to assets | 10.7379% | 3,264 |
| Core capital (leverage) ratio | 8.6102% | 5,363 |
| Tier 1 risk-based capital ratio | 11.3207% | 5,416 |
| Total risk-based capital ratio | 13.4759% | 4,539 |
| Memoranda: | ||
| Average total assets | $455,735,200 | 1,504 |
| Average earning assets | $409,181,000 | 1,528 |
| Average equity | $48,455,200 | 1,418 |
| Average total loans | $346,422,800 | 1,402 |