Home > The Dime Bank > Performance and Condition Ratios
The Dime 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 | 6.2229% | 921 |
| Cost of funding earning assets | 2.2479% | 1,324 |
| Net interest margin | 3.9749% | 1,345 |
| Noninterest income to average assets | 0.6600% | 1,146 |
| Noninterest expense to average assets | 2.5652% | 2,118 |
| Loan and lease loss provision to assets | 0.3500% | 294 |
| Net operating income to assets | 1.1927% | 1,756 |
| Return on assets (ROA) | 1.1927% | 1,757 |
| Pretax return on assets | 1.4380% | 1,649 |
| Return on Equity (ROE) | 12.3300% | 1,658 |
| Retained earnings to average equity (ytd only) | 8.5487% | 1,545 |
| Net charge-offs to loans | 0.0051% | 2,069 |
| Credit loss provision to net charge-offs | 8,960.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 488.6000% | 199 |
| Efficiency ratio | 58.9170% | 3,096 |
| Assets per employee ($millions) | 7.2764% | 2,030 |
| Cash dividends to net income (ytd only)* | 30.6937% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 939 |
| Loan loss allowance to noncurrent loans | 103.4364% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.0701% | 644 |
| Noncurrent loans to loans | 1.4810% | 662 |
| Net loans and leases to total assets | 69.8000% | 1,859 |
| Net loans and leases to deposits | 82.4155% | 1,847 |
| Net loans and leases to core deposits | 99.0871% | 1,436 |
| Total domestic deposits to total assets | 84.6900% | 2,708 |
| Equity capital to assets | 9.7285% | 2,409 |
| Core capital (leverage) ratio | 10.9801% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7425% | 1,605 |
| Memoranda: | ||
| Average total assets | $1,092,613,500 | 948 |
| Average earning assets | $1,014,259,500 | 941 |
| Average equity | $105,653,000 | 1,001 |
| Average total loans | $779,645,500 | 938 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1620% | 1,092 |
| Cost of funding earning assets | 2.2092% | 1,717 |
| Net interest margin | 3.9528% | 1,255 |
| Noninterest income to average assets | 0.7300% | 1,087 |
| Noninterest expense to average assets | 2.7135% | 1,720 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 1.2585% | 1,373 |
| Return on assets (ROA) | 1.2553% | 1,390 |
| Pretax return on assets | 1.5341% | 1,220 |
| Return on Equity (ROE) | 13.0100% | 1,362 |
| Retained earnings to average equity (ytd only) | 8.9957% | 797 |
| Net charge-offs to loans | 0.1358% | 960 |
| Credit loss provision to net charge-offs | 131.0176% | 1,549 |
| Earnings coverage of net charge-offs (x) | 16.8386% | 1,961 |
| Efficiency ratio | 61.9489% | 2,955 |
| Assets per employee ($millions) | 6.9627% | 2,182 |
| Cash dividends to net income (ytd only)* | 30.8618% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 1,198 |
| Loan loss allowance to noncurrent loans | 94.6240% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 587 |
| Noncurrent loans to loans | 1.5163% | 633 |
| Net loans and leases to total assets | 70.8100% | 1,800 |
| Net loans and leases to deposits | 83.6375% | 1,818 |
| Net loans and leases to core deposits | 101.5929% | 1,352 |
| Total domestic deposits to total assets | 84.6600% | 2,624 |
| Equity capital to assets | 9.6096% | 2,368 |
| Core capital (leverage) ratio | 11.0482% | 1,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8939% | 1,907 |
| Memoranda: | ||
| Average total assets | $1,032,520,600 | 981 |
| Average earning assets | $953,499,800 | 974 |
| Average equity | $99,614,800 | 1,024 |
| Average total loans | $752,488,400 | 949 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1008% | 1,132 |
| Cost of funding earning assets | 2.1783% | 1,790 |
| Net interest margin | 3.9225% | 1,267 |
| Noninterest income to average assets | 0.7400% | 1,021 |
| Noninterest expense to average assets | 2.7243% | 1,622 |
| Loan and lease loss provision to assets | 0.1400% | 908 |
| Net operating income to assets | 1.2214% | 1,474 |
| Return on assets (ROA) | 1.2170% | 1,488 |
| Pretax return on assets | 1.4862% | 1,329 |
| Return on Equity (ROE) | 12.6000% | 1,461 |
| Retained earnings to average equity (ytd only) | 8.5441% | 1,242 |
| Net charge-offs to loans | -0.0014% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 62.5833% | 2,857 |
| Assets per employee ($millions) | 6.7135% | 2,339 |
| Cash dividends to net income (ytd only)* | 32.1958% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 980 |
| Loan loss allowance to noncurrent loans | 137.9669% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8237% | 826 |
| Noncurrent loans to loans | 1.1063% | 898 |
| Net loans and leases to total assets | 71.4500% | 1,675 |
| Net loans and leases to deposits | 86.2554% | 1,608 |
| Net loans and leases to core deposits | 99.1163% | 1,543 |
| Total domestic deposits to total assets | 82.8300% | 2,902 |
| Equity capital to assets | 9.8265% | 2,407 |
| Core capital (leverage) ratio | 11.1225% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7890% | 1,983 |
| Memoranda: | ||
| Average total assets | $1,020,847,250 | 988 |
| Average earning assets | $941,426,500 | 989 |
| Average equity | $98,591,500 | 1,024 |
| Average total loans | $746,785,000 | 952 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9884% | 1,186 |
| Cost of funding earning assets | 2.1679% | 1,726 |
| Net interest margin | 3.8205% | 1,392 |
| Noninterest income to average assets | 0.7100% | 1,073 |
| Noninterest expense to average assets | 2.7392% | 1,589 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 1.0929% | 1,738 |
| Return on assets (ROA) | 1.0862% | 1,751 |
| Pretax return on assets | 1.3210% | 1,648 |
| Return on Equity (ROE) | 11.3200% | 1,800 |
| Retained earnings to average equity (ytd only) | 7.1716% | 1,607 |
| Net charge-offs to loans | 0.0033% | 2,367 |
| Credit loss provision to net charge-offs | 7,225.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 626.1667% | 192 |
| Efficiency ratio | 64.6948% | 2,682 |
| Assets per employee ($millions) | 6.5243% | 2,393 |
| Cash dividends to net income (ytd only)* | 36.6300% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 926 |
| Loan loss allowance to noncurrent loans | 128.4220% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 681 |
| Noncurrent loans to loans | 1.2174% | 744 |
| Net loans and leases to total assets | 71.6800% | 1,692 |
| Net loans and leases to deposits | 83.8736% | 1,846 |
| Net loans and leases to core deposits | 95.0203% | 1,791 |
| Total domestic deposits to total assets | 85.4700% | 2,161 |
| Equity capital to assets | 9.5823% | 2,338 |
| Core capital (leverage) ratio | 11.0585% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9950% | 1,890 |
| Memoranda: | ||
| Average total assets | $1,005,315,333 | 1,002 |
| Average earning assets | $926,685,333 | 1,003 |
| Average equity | $96,491,333 | 1,032 |
| Average total loans | $737,554,333 | 959 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8796% | 1,225 |
| Cost of funding earning assets | 2.1620% | 1,631 |
| Net interest margin | 3.7176% | 1,497 |
| Noninterest income to average assets | 0.7000% | 1,035 |
| Noninterest expense to average assets | 2.7909% | 1,487 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | 0.9657% | 2,038 |
| Return on assets (ROA) | 0.9520% | 2,095 |
| Pretax return on assets | 1.1496% | 2,011 |
| Return on Equity (ROE) | 9.9100% | 2,154 |
| Retained earnings to average equity (ytd only) | 5.7286% | 2,183 |
| Net charge-offs to loans | 0.0076% | 1,817 |
| Credit loss provision to net charge-offs | 3,078.5714% | 136 |
| Earnings coverage of net charge-offs (x) | 237.5714% | 367 |
| Efficiency ratio | 67.6270% | 2,415 |
| Assets per employee ($millions) | 6.4707% | 2,477 |
| Cash dividends to net income (ytd only)* | 42.1941% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 1,054 |
| Loan loss allowance to noncurrent loans | 127.1121% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 671 |
| Noncurrent loans to loans | 1.1864% | 704 |
| Net loans and leases to total assets | 73.0900% | 1,450 |
| Net loans and leases to deposits | 86.5544% | 1,487 |
| Net loans and leases to core deposits | 101.8909% | 1,306 |
| Total domestic deposits to total assets | 84.4400% | 2,588 |
| Equity capital to assets | 9.5574% | 2,288 |
| Core capital (leverage) ratio | 11.1412% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9514% | 1,903 |
| Memoranda: | ||
| Average total assets | $995,812,500 | 1,010 |
| Average earning assets | $916,731,500 | 1,017 |
| Average equity | $95,660,500 | 1,035 |
| Average total loans | $733,365,000 | 966 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3993% | 1,314 |
| Cost of funding earning assets | 1.6011% | 1,692 |
| Net interest margin | 3.7982% | 1,565 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.7427% | 1,641 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1160% | 1,876 |
| Return on assets (ROA) | 1.1126% | 1,857 |
| Pretax return on assets | 1.3388% | 1,765 |
| Return on Equity (ROE) | 12.2100% | 1,907 |
| Retained earnings to average equity (ytd only) | 7.7057% | 1,627 |
| Net charge-offs to loans | 0.0065% | 2,450 |
| Credit loss provision to net charge-offs | 1,851.1111% | 244 |
| Earnings coverage of net charge-offs (x) | 309.2000% | 424 |
| Efficiency ratio | 65.7552% | 2,381 |
| Assets per employee ($millions) | 6.2542% | 2,586 |
| Cash dividends to net income (ytd only)* | 36.9072% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 906 |
| Loan loss allowance to noncurrent loans | 134.7950% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.8719% | 579 |
| Noncurrent loans to loans | 1.1616% | 621 |
| Net loans and leases to total assets | 71.9700% | 1,585 |
| Net loans and leases to deposits | 85.8655% | 1,624 |
| Net loans and leases to core deposits | 99.6997% | 1,455 |
| Total domestic deposits to total assets | 83.8100% | 2,672 |
| Equity capital to assets | 9.6608% | 2,233 |
| Core capital (leverage) ratio | 11.0569% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0924% | 1,838 |
| Memoranda: | ||
| Average total assets | $974,104,600 | 1,007 |
| Average earning assets | $892,629,800 | 1,008 |
| Average equity | $88,739,400 | 1,041 |
| Average total loans | $693,656,400 | 972 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1566% | 1,534 |
| Cost of funding earning assets | 1.4454% | 1,747 |
| Net interest margin | 3.7112% | 1,754 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.8103% | 1,414 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9941% | 2,379 |
| Return on assets (ROA) | 0.9947% | 2,365 |
| Pretax return on assets | 1.1889% | 2,327 |
| Return on Equity (ROE) | 11.0900% | 2,352 |
| Retained earnings to average equity (ytd only) | 6.4951% | 2,464 |
| Net charge-offs to loans | 0.0084% | 2,100 |
| Credit loss provision to net charge-offs | 1,276.7442% | 342 |
| Earnings coverage of net charge-offs (x) | 213.9302% | 571 |
| Efficiency ratio | 68.9820% | 1,907 |
| Assets per employee ($millions) | 6.0787% | 2,677 |
| Cash dividends to net income (ytd only)* | 41.4307% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 979 |
| Loan loss allowance to noncurrent loans | 243.5416% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 1,198 |
| Noncurrent loans to loans | 0.6377% | 1,279 |
| Net loans and leases to total assets | 71.0000% | 1,701 |
| Net loans and leases to deposits | 88.8715% | 1,315 |
| Net loans and leases to core deposits | 95.9558% | 1,549 |
| Total domestic deposits to total assets | 79.8900% | 3,548 |
| Equity capital to assets | 8.7313% | 2,583 |
| Core capital (leverage) ratio | 10.9385% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9167% | 1,929 |
| Memoranda: | ||
| Average total assets | $970,590,750 | 1,011 |
| Average earning assets | $888,863,000 | 1,017 |
| Average equity | $87,058,250 | 1,058 |
| Average total loans | $686,459,000 | 979 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 1,622 |
| Cost of funding earning assets | 1.2683% | 1,796 |
| Net interest margin | 3.6963% | 1,821 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.7741% | 1,472 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0355% | 2,297 |
| Return on assets (ROA) | 1.0364% | 2,292 |
| Pretax return on assets | 1.2441% | 2,242 |
| Return on Equity (ROE) | 11.4500% | 2,313 |
| Retained earnings to average equity (ytd only) | 6.8751% | 2,326 |
| Net charge-offs to loans | 0.0050% | 2,090 |
| Credit loss provision to net charge-offs | 894.1176% | 447 |
| Earnings coverage of net charge-offs (x) | 362.0588% | 394 |
| Efficiency ratio | 68.5198% | 1,923 |
| Assets per employee ($millions) | 6.0839% | 2,641 |
| Cash dividends to net income (ytd only)* | 39.9600% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 1,027 |
| Loan loss allowance to noncurrent loans | 235.5281% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 1,106 |
| Noncurrent loans to loans | 0.6598% | 1,131 |
| Net loans and leases to total assets | 69.8100% | 1,766 |
| Net loans and leases to deposits | 84.6972% | 1,607 |
| Net loans and leases to core deposits | 89.0861% | 1,862 |
| Total domestic deposits to total assets | 82.4200% | 3,154 |
| Equity capital to assets | 9.1631% | 2,401 |
| Core capital (leverage) ratio | 10.9750% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1140% | 1,846 |
| Memoranda: | ||
| Average total assets | $965,870,667 | 1,009 |
| Average earning assets | $885,274,000 | 1,012 |
| Average equity | $87,417,000 | 1,046 |
| Average total loans | $678,558,333 | 976 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 1,597 |
| Cost of funding earning assets | 1.1294% | 1,666 |
| Net interest margin | 3.6818% | 1,940 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.8353% | 1,360 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 1.0448% | 2,401 |
| Return on assets (ROA) | 1.0448% | 2,367 |
| Pretax return on assets | 1.2487% | 2,304 |
| Return on Equity (ROE) | 11.6200% | 2,317 |
| Retained earnings to average equity (ytd only) | 7.0087% | 2,491 |
| Net charge-offs to loans | 0.0059% | 1,743 |
| Credit loss provision to net charge-offs | -1,320.0000% | 4,657 |
| Earnings coverage of net charge-offs (x) | 288.1000% | 376 |
| Efficiency ratio | 70.3662% | 1,713 |
| Assets per employee ($millions) | 6.0502% | 2,718 |
| Cash dividends to net income (ytd only)* | 39.6668% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 1,126 |
| Loan loss allowance to noncurrent loans | 232.4379% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 1,059 |
| Noncurrent loans to loans | 0.6661% | 1,130 |
| Net loans and leases to total assets | 68.6400% | 1,773 |
| Net loans and leases to deposits | 83.5257% | 1,529 |
| Net loans and leases to core deposits | 90.3260% | 1,600 |
| Total domestic deposits to total assets | 82.1700% | 3,458 |
| Equity capital to assets | 9.2598% | 2,311 |
| Core capital (leverage) ratio | 10.8551% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1073% | 1,944 |
| Memoranda: | ||
| Average total assets | $965,133,000 | 1,025 |
| Average earning assets | $884,340,000 | 1,030 |
| Average equity | $86,806,000 | 1,064 |
| Average total loans | $674,865,000 | 992 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 979 |
| Cost of funding earning assets | 0.4250% | 1,906 |
| Net interest margin | 3.9175% | 920 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.6656% | 1,642 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 1.3552% | 1,266 |
| Return on assets (ROA) | 1.2811% | 1,452 |
| Pretax return on assets | 1.5393% | 1,328 |
| Return on Equity (ROE) | 14.1000% | 1,508 |
| Retained earnings to average equity (ytd only) | 9.9865% | 1,156 |
| Net charge-offs to loans | 0.0180% | 1,741 |
| Credit loss provision to net charge-offs | -693.2773% | 4,644 |
| Earnings coverage of net charge-offs (x) | 124.9328% | 870 |
| Efficiency ratio | 63.3375% | 2,585 |
| Assets per employee ($millions) | 6.0518% | 2,717 |
| Cash dividends to net income (ytd only)* | 29.1640% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 1,048 |
| Loan loss allowance to noncurrent loans | 228.4358% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 1,019 |
| Noncurrent loans to loans | 0.6825% | 1,095 |
| Net loans and leases to total assets | 69.0400% | 1,724 |
| Net loans and leases to deposits | 84.6617% | 1,409 |
| Net loans and leases to core deposits | 91.9453% | 1,395 |
| Total domestic deposits to total assets | 81.5500% | 3,686 |
| Equity capital to assets | 8.7303% | 2,545 |
| Core capital (leverage) ratio | 10.6430% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7909% | 2,054 |
| Memoranda: | ||
| Average total assets | $963,530,400 | 1,016 |
| Average earning assets | $886,749,200 | 1,009 |
| Average equity | $87,558,200 | 1,058 |
| Average total loans | $660,308,600 | 955 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 904 |
| Cost of funding earning assets | 0.3151% | 2,013 |
| Net interest margin | 3.8786% | 833 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.5822% | 1,757 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.3102% | 1,320 |
| Return on assets (ROA) | 1.3102% | 1,285 |
| Pretax return on assets | 1.5774% | 1,182 |
| Return on Equity (ROE) | 14.2800% | 1,355 |
| Retained earnings to average equity (ytd only) | 10.2012% | 1,285 |
| Net charge-offs to loans | 0.0144% | 1,589 |
| Credit loss provision to net charge-offs | 387.3239% | 720 |
| Earnings coverage of net charge-offs (x) | 164.2254% | 711 |
| Efficiency ratio | 61.5156% | 2,897 |
| Assets per employee ($millions) | 6.1158% | 2,660 |
| Cash dividends to net income (ytd only)* | 28.5503% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 792 |
| Loan loss allowance to noncurrent loans | 236.7561% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 999 |
| Noncurrent loans to loans | 0.7422% | 1,091 |
| Net loans and leases to total assets | 68.3300% | 1,637 |
| Net loans and leases to deposits | 79.0315% | 1,631 |
| Net loans and leases to core deposits | 82.3583% | 1,740 |
| Total domestic deposits to total assets | 86.4600% | 2,938 |
| Equity capital to assets | 8.4712% | 2,562 |
| Core capital (leverage) ratio | 10.5398% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7712% | 2,141 |
| Memoranda: | ||
| Average total assets | $962,342,750 | 1,026 |
| Average earning assets | $886,492,750 | 1,021 |
| Average equity | $88,314,250 | 1,065 |
| Average total loans | $655,617,750 | 958 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1074% | 756 |
| Cost of funding earning assets | 0.2647% | 2,097 |
| Net interest margin | 3.8426% | 683 |
| Noninterest income to average assets | 0.6164% | 1,672 |
| Noninterest expense to average assets | 2.5639% | 1,744 |
| Loan and lease loss provision to assets | 0.0519% | 1,649 |
| Net operating income to assets | 1.2766% | 1,201 |
| Return on assets (ROA) | 1.2766% | 1,188 |
| Pretax return on assets | 1.5515% | 1,044 |
| Return on Equity (ROE) | 13.5636% | 1,217 |
| Retained earnings to average equity (ytd only) | 9.5919% | 1,119 |
| Net charge-offs to loans | 0.0058% | 1,790 |
| Credit loss provision to net charge-offs | 1,315.7895% | 334 |
| Earnings coverage of net charge-offs (x) | 406.3684% | 312 |
| Efficiency ratio | 61.5239% | 3,107 |
| Assets per employee ($millions) | 6.2771% | 2,499 |
| Cash dividends to net income (ytd only)* | 29.2826% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 815 |
| Loan loss allowance to noncurrent loans | 225.8207% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 1,021 |
| Noncurrent loans to loans | 0.7980% | 1,076 |
| Net loans and leases to total assets | 65.8779% | 1,707 |
| Net loans and leases to deposits | 74.8714% | 1,769 |
| Net loans and leases to core deposits | 76.8490% | 1,937 |
| Total domestic deposits to total assets | 87.9882% | 2,582 |
| Equity capital to assets | 8.6627% | 2,644 |
| Core capital (leverage) ratio | 10.1726% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8242% | 2,140 |
| Memoranda: | ||
| Average total assets | $963,062,333 | 1,018 |
| Average earning assets | $889,965,000 | 1,022 |
| Average equity | $90,639,333 | 1,040 |
| Average total loans | $651,537,333 | 955 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 580 |
| Cost of funding earning assets | 0.2833% | 1,786 |
| Net interest margin | 3.8630% | 548 |
| Noninterest income to average assets | 0.5845% | 1,759 |
| Noninterest expense to average assets | 2.5116% | 1,859 |
| Loan and lease loss provision to assets | 0.0564% | 1,378 |
| Net operating income to assets | 1.3309% | 937 |
| Return on assets (ROA) | 1.3309% | 929 |
| Pretax return on assets | 1.5919% | 838 |
| Return on Equity (ROE) | 13.5924% | 913 |
| Retained earnings to average equity (ytd only) | 9.7552% | 1,084 |
| Net charge-offs to loans | 0.0154% | 1,233 |
| Credit loss provision to net charge-offs | 540.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 157.9200% | 515 |
| Efficiency ratio | 60.3774% | 3,444 |
| Assets per employee ($millions) | 6.5262% | 2,357 |
| Cash dividends to net income (ytd only)* | 28.2309% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 874 |
| Loan loss allowance to noncurrent loans | 82.8258% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 243 |
| Noncurrent loans to loans | 2.1805% | 312 |
| Net loans and leases to total assets | 65.9795% | 1,411 |
| Net loans and leases to deposits | 77.0541% | 1,359 |
| Net loans and leases to core deposits | 81.0478% | 1,419 |
| Total domestic deposits to total assets | 85.6275% | 3,369 |
| Equity capital to assets | 9.3970% | 2,366 |
| Core capital (leverage) ratio | 10.2145% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1201% | 2,150 |
| Memoranda: | ||
| Average total assets | $958,115,000 | 1,021 |
| Average earning assets | $886,768,500 | 1,027 |
| Average equity | $93,817,000 | 1,043 |
| Average total loans | $650,942,500 | 947 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 1,334 |
| Cost of funding earning assets | 0.3937% | 1,588 |
| Net interest margin | 3.6183% | 1,416 |
| Noninterest income to average assets | 0.6279% | 2,033 |
| Noninterest expense to average assets | 2.4051% | 2,477 |
| Loan and lease loss provision to assets | 0.1270% | 964 |
| Net operating income to assets | 1.2436% | 1,765 |
| Return on assets (ROA) | 1.2639% | 1,761 |
| Pretax return on assets | 1.4918% | 1,755 |
| Return on Equity (ROE) | 12.5538% | 1,626 |
| Retained earnings to average equity (ytd only) | 7.5617% | 1,702 |
| Net charge-offs to loans | 0.0486% | 1,337 |
| Credit loss provision to net charge-offs | 372.6708% | 953 |
| Earnings coverage of net charge-offs (x) | 46.8137% | 1,338 |
| Efficiency ratio | 60.1270% | 3,127 |
| Assets per employee ($millions) | 6.5992% | 2,240 |
| Cash dividends to net income (ytd only)* | 39.7656% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 941 |
| Loan loss allowance to noncurrent loans | 84.3599% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.4520% | 296 |
| Noncurrent loans to loans | 2.0798% | 375 |
| Net loans and leases to total assets | 67.4836% | 1,322 |
| Net loans and leases to deposits | 80.8386% | 1,147 |
| Net loans and leases to core deposits | 86.8618% | 1,147 |
| Total domestic deposits to total assets | 83.4794% | 3,701 |
| Equity capital to assets | 10.1877% | 2,481 |
| Core capital (leverage) ratio | 10.0055% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0289% | 2,239 |
| Memoranda: | ||
| Average total assets | $945,116,600 | 998 |
| Average earning assets | $880,818,000 | 997 |
| Average equity | $95,150,400 | 1,048 |
| Average total loans | $662,602,800 | 920 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 1,537 |
| Cost of funding earning assets | 0.4081% | 1,637 |
| Net interest margin | 3.5887% | 1,625 |
| Noninterest income to average assets | 0.6203% | 2,133 |
| Noninterest expense to average assets | 2.3914% | 2,467 |
| Loan and lease loss provision to assets | 0.1274% | 915 |
| Net operating income to assets | 1.2296% | 2,064 |
| Return on assets (ROA) | 1.2566% | 2,029 |
| Pretax return on assets | 1.4806% | 2,046 |
| Return on Equity (ROE) | 12.5199% | 1,857 |
| Retained earnings to average equity (ytd only) | 8.9247% | 1,726 |
| Net charge-offs to loans | 0.0574% | 1,075 |
| Credit loss provision to net charge-offs | 314.6853% | 978 |
| Earnings coverage of net charge-offs (x) | 38.9441% | 1,387 |
| Efficiency ratio | 60.2739% | 2,943 |
| Assets per employee ($millions) | 6.5821% | 2,191 |
| Cash dividends to net income (ytd only)* | 28.7162% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 1,099 |
| Loan loss allowance to noncurrent loans | 72.2586% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.6461% | 284 |
| Noncurrent loans to loans | 2.3634% | 330 |
| Net loans and leases to total assets | 67.0296% | 1,427 |
| Net loans and leases to deposits | 80.7874% | 1,210 |
| Net loans and leases to core deposits | 84.2286% | 1,409 |
| Total domestic deposits to total assets | 82.9703% | 3,716 |
| Equity capital to assets | 10.0820% | 2,819 |
| Core capital (leverage) ratio | 9.9800% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2231% | 2,286 |
| Memoranda: | ||
| Average total assets | $942,176,500 | 1,017 |
| Average earning assets | $878,817,750 | 1,009 |
| Average equity | $94,567,000 | 1,070 |
| Average total loans | $663,936,750 | 938 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 1,596 |
| Cost of funding earning assets | 0.4547% | 1,490 |
| Net interest margin | 3.5304% | 1,772 |
| Noninterest income to average assets | 0.6167% | 2,142 |
| Noninterest expense to average assets | 2.4393% | 2,343 |
| Loan and lease loss provision to assets | 0.1499% | 793 |
| Net operating income to assets | 1.1249% | 2,452 |
| Return on assets (ROA) | 1.1659% | 2,371 |
| Pretax return on assets | 1.3749% | 2,406 |
| Return on Equity (ROE) | 11.6337% | 2,190 |
| Retained earnings to average equity (ytd only) | 8.0002% | 2,071 |
| Net charge-offs to loans | 0.0815% | 856 |
| Credit loss provision to net charge-offs | 258.3026% | 952 |
| Earnings coverage of net charge-offs (x) | 25.4391% | 1,408 |
| Efficiency ratio | 62.2908% | 2,689 |
| Assets per employee ($millions) | 6.9413% | 1,852 |
| Cash dividends to net income (ytd only)* | 31.2328% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 1,147 |
| Loan loss allowance to noncurrent loans | 70.7636% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.6228% | 323 |
| Noncurrent loans to loans | 2.3467% | 374 |
| Net loans and leases to total assets | 66.5866% | 1,621 |
| Net loans and leases to deposits | 81.5948% | 1,268 |
| Net loans and leases to core deposits | 84.2594% | 1,539 |
| Total domestic deposits to total assets | 81.6064% | 3,991 |
| Equity capital to assets | 9.6597% | 3,192 |
| Core capital (leverage) ratio | 9.6116% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3884% | 2,210 |
| Memoranda: | ||
| Average total assets | $933,714,000 | 1,019 |
| Average earning assets | $872,603,333 | 1,014 |
| Average equity | $93,572,667 | 1,073 |
| Average total loans | $665,308,333 | 933 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 1,456 |
| Cost of funding earning assets | 0.3972% | 2,124 |
| Net interest margin | 3.6721% | 1,396 |
| Noninterest income to average assets | 0.5627% | 2,362 |
| Noninterest expense to average assets | 2.5298% | 2,086 |
| Loan and lease loss provision to assets | 0.1322% | 1,033 |
| Net operating income to assets | 1.1407% | 2,354 |
| Return on assets (ROA) | 1.1536% | 2,388 |
| Pretax return on assets | 1.3462% | 2,443 |
| Return on Equity (ROE) | 11.2902% | 2,275 |
| Retained earnings to average equity (ytd only) | 7.6246% | 2,371 |
| Net charge-offs to loans | 0.0891% | 747 |
| Credit loss provision to net charge-offs | 202.7027% | 883 |
| Earnings coverage of net charge-offs (x) | 22.4392% | 1,210 |
| Efficiency ratio | 63.3525% | 2,555 |
| Assets per employee ($millions) | 6.7194% | 1,983 |
| Cash dividends to net income (ytd only)* | 32.4675% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,344 |
| Loan loss allowance to noncurrent loans | 63.9825% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.8439% | 297 |
| Noncurrent loans to loans | 2.4699% | 378 |
| Net loans and leases to total assets | 72.0545% | 1,017 |
| Net loans and leases to deposits | 90.4924% | 676 |
| Net loans and leases to core deposits | 96.1075% | 877 |
| Total domestic deposits to total assets | 79.6249% | 4,246 |
| Equity capital to assets | 9.9272% | 2,771 |
| Core capital (leverage) ratio | 9.9408% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3734% | 2,130 |
| Memoranda: | ||
| Average total assets | $907,741,500 | 1,027 |
| Average earning assets | $848,017,000 | 1,026 |
| Average equity | $92,753,000 | 1,071 |
| Average total loans | $664,262,500 | 932 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 1,392 |
| Cost of funding earning assets | 0.6684% | 1,884 |
| Net interest margin | 3.7993% | 1,502 |
| Noninterest income to average assets | 0.7016% | 1,861 |
| Noninterest expense to average assets | 2.5778% | 2,620 |
| Loan and lease loss provision to assets | 0.4277% | 682 |
| Net operating income to assets | 1.0706% | 2,024 |
| Return on assets (ROA) | 1.0839% | 2,107 |
| Pretax return on assets | 1.2333% | 2,211 |
| Return on Equity (ROE) | 10.0400% | 1,992 |
| Retained earnings to average equity (ytd only) | 6.3617% | 1,644 |
| Net charge-offs to loans | 0.2103% | 825 |
| Credit loss provision to net charge-offs | 272.5857% | 1,833 |
| Earnings coverage of net charge-offs (x) | 10.4899% | 2,458 |
| Efficiency ratio | 61.0340% | 3,306 |
| Assets per employee ($millions) | 6.2517% | 2,121 |
| Cash dividends to net income (ytd only)* | 36.6362% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 1,156 |
| Loan loss allowance to noncurrent loans | 58.9531% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 2.0756% | 265 |
| Noncurrent loans to loans | 2.8030% | 331 |
| Net loans and leases to total assets | 71.9329% | 1,293 |
| Net loans and leases to deposits | 92.1953% | 764 |
| Net loans and leases to core deposits | 99.9127% | 900 |
| Total domestic deposits to total assets | 78.0223% | 4,312 |
| Equity capital to assets | 10.5261% | 2,648 |
| Core capital (leverage) ratio | 10.0146% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1217% | 2,581 |
| Memoranda: | ||
| Average total assets | $818,400,000 | 1,035 |
| Average earning assets | $758,673,600 | 1,033 |
| Average equity | $88,356,600 | 1,074 |
| Average total loans | $610,690,600 | 958 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 1,533 |
| Cost of funding earning assets | 0.7108% | 1,961 |
| Net interest margin | 3.8043% | 1,608 |
| Noninterest income to average assets | 0.6309% | 2,064 |
| Noninterest expense to average assets | 2.5755% | 2,611 |
| Loan and lease loss provision to assets | 0.4153% | 821 |
| Net operating income to assets | 1.0490% | 2,149 |
| Return on assets (ROA) | 1.0590% | 2,248 |
| Pretax return on assets | 1.1713% | 2,484 |
| Return on Equity (ROE) | 9.7420% | 2,116 |
| Retained earnings to average equity (ytd only) | 6.0744% | 2,076 |
| Net charge-offs to loans | 0.1180% | 1,183 |
| Credit loss provision to net charge-offs | 469.0432% | 1,336 |
| Earnings coverage of net charge-offs (x) | 17.7936% | 1,992 |
| Efficiency ratio | 62.0458% | 3,073 |
| Assets per employee ($millions) | 5.9391% | 2,319 |
| Cash dividends to net income (ytd only)* | 37.6471% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5905% | 1,127 |
| Loan loss allowance to noncurrent loans | 92.2838% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.4716% | 587 |
| Noncurrent loans to loans | 1.7235% | 786 |
| Net loans and leases to total assets | 73.7414% | 1,408 |
| Net loans and leases to deposits | 95.2919% | 814 |
| Net loans and leases to core deposits | 100.7509% | 1,109 |
| Total domestic deposits to total assets | 77.3848% | 4,274 |
| Equity capital to assets | 10.3929% | 2,876 |
| Core capital (leverage) ratio | 10.2671% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1295% | 2,566 |
| Memoranda: | ||
| Average total assets | $802,629,000 | 1,037 |
| Average earning assets | $742,642,250 | 1,040 |
| Average equity | $87,249,250 | 1,074 |
| Average total loans | $602,180,500 | 967 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 1,671 |
| Cost of funding earning assets | 0.8030% | 1,810 |
| Net interest margin | 3.7851% | 1,876 |
| Noninterest income to average assets | 0.6104% | 2,094 |
| Noninterest expense to average assets | 2.6601% | 2,490 |
| Loan and lease loss provision to assets | 0.4107% | 973 |
| Net operating income to assets | 0.9527% | 2,477 |
| Return on assets (ROA) | 0.9605% | 2,583 |
| Pretax return on assets | 1.0463% | 2,885 |
| Return on Equity (ROE) | 8.6935% | 2,497 |
| Retained earnings to average equity (ytd only) | 4.9763% | 2,484 |
| Net charge-offs to loans | 0.1238% | 1,104 |
| Credit loss provision to net charge-offs | 441.9890% | 1,320 |
| Earnings coverage of net charge-offs (x) | 15.5884% | 1,900 |
| Efficiency ratio | 64.7445% | 2,701 |
| Assets per employee ($millions) | 6.0097% | 2,180 |
| Cash dividends to net income (ytd only)* | 42.7579% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 1,224 |
| Loan loss allowance to noncurrent loans | 109.8921% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2204% | 887 |
| Noncurrent loans to loans | 1.3771% | 1,120 |
| Net loans and leases to total assets | 74.3137% | 1,371 |
| Net loans and leases to deposits | 93.7318% | 986 |
| Net loans and leases to core deposits | 98.3622% | 1,385 |
| Total domestic deposits to total assets | 79.2833% | 3,978 |
| Equity capital to assets | 10.4970% | 2,745 |
| Core capital (leverage) ratio | 10.5720% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1695% | 2,537 |
| Memoranda: | ||
| Average total assets | $779,157,000 | 1,047 |
| Average earning assets | $720,086,000 | 1,046 |
| Average equity | $86,087,333 | 1,077 |
| Average total loans | $584,840,333 | 980 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 1,550 |
| Cost of funding earning assets | 0.9014% | 1,857 |
| Net interest margin | 3.8524% | 1,815 |
| Noninterest income to average assets | 0.6421% | 1,856 |
| Noninterest expense to average assets | 2.8111% | 2,401 |
| Loan and lease loss provision to assets | 0.3221% | 962 |
| Net operating income to assets | 0.9895% | 2,215 |
| Return on assets (ROA) | 0.9895% | 2,314 |
| Pretax return on assets | 1.0721% | 2,606 |
| Return on Equity (ROE) | 8.7081% | 2,232 |
| Retained earnings to average equity (ytd only) | 4.9281% | 2,305 |
| Net charge-offs to loans | 0.1062% | 1,049 |
| Credit loss provision to net charge-offs | 405.4054% | 991 |
| Earnings coverage of net charge-offs (x) | 17.5473% | 1,492 |
| Efficiency ratio | 66.8454% | 2,843 |
| Assets per employee ($millions) | 5.1564% | 2,475 |
| Cash dividends to net income (ytd only)* | 43.4075% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 1,122 |
| Loan loss allowance to noncurrent loans | 158.5801% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 1.3463% | 854 |
| Noncurrent loans to loans | 0.9963% | 1,659 |
| Net loans and leases to total assets | 73.0634% | 1,771 |
| Net loans and leases to deposits | 96.0569% | 905 |
| Net loans and leases to core deposits | 106.0745% | 1,058 |
| Total domestic deposits to total assets | 76.0626% | 4,479 |
| Equity capital to assets | 11.1929% | 2,688 |
| Core capital (leverage) ratio | 11.4313% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4746% | 2,084 |
| Memoranda: | ||
| Average total assets | $745,053,000 | 1,051 |
| Average earning assets | $689,130,500 | 1,051 |
| Average equity | $84,657,000 | 1,092 |
| Average total loans | $557,568,500 | 1,001 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0147% | 1,437 |
| Cost of funding earning assets | 0.8697% | 2,333 |
| Net interest margin | 4.1450% | 1,440 |
| Noninterest income to average assets | 0.5734% | 2,347 |
| Noninterest expense to average assets | 2.9129% | 2,255 |
| Loan and lease loss provision to assets | 0.1058% | 1,961 |
| Net operating income to assets | 1.2140% | 2,007 |
| Return on assets (ROA) | 1.2333% | 2,022 |
| Pretax return on assets | 1.3775% | 2,242 |
| Return on Equity (ROE) | 10.7911% | 1,969 |
| Retained earnings to average equity (ytd only) | 7.5516% | 1,142 |
| Net charge-offs to loans | 0.0822% | 1,943 |
| Credit loss provision to net charge-offs | 171.6247% | 1,514 |
| Earnings coverage of net charge-offs (x) | 23.7162% | 1,803 |
| Efficiency ratio | 66.5850% | 2,679 |
| Assets per employee ($millions) | 4.9135% | 2,695 |
| Cash dividends to net income (ytd only)* | 30.0206% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 1,151 |
| Loan loss allowance to noncurrent loans | 159.5085% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 1.3125% | 838 |
| Noncurrent loans to loans | 0.9576% | 1,599 |
| Net loans and leases to total assets | 74.3046% | 1,703 |
| Net loans and leases to deposits | 93.4033% | 1,213 |
| Net loans and leases to core deposits | 107.0242% | 1,047 |
| Total domestic deposits to total assets | 79.5525% | 4,062 |
| Equity capital to assets | 11.5382% | 2,503 |
| Core capital (leverage) ratio | 11.2726% | 2,269 |
| Tier 1 risk-based capital ratio | 13.3412% | 3,612 |
| Total risk-based capital ratio | 14.5926% | 3,497 |
| Memoranda: | ||
| Average total assets | $708,984,200 | 1,053 |
| Average earning assets | $650,205,400 | 1,063 |
| Average equity | $81,029,600 | 1,078 |
| Average total loans | $531,392,400 | 1,016 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 1,480 |
| Cost of funding earning assets | 0.8489% | 2,473 |
| Net interest margin | 4.1753% | 1,433 |
| Noninterest income to average assets | 0.5610% | 2,406 |
| Noninterest expense to average assets | 2.8590% | 2,381 |
| Loan and lease loss provision to assets | 0.1138% | 1,708 |
| Net operating income to assets | 1.2456% | 2,029 |
| Return on assets (ROA) | 1.2601% | 2,066 |
| Pretax return on assets | 1.4256% | 2,206 |
| Return on Equity (ROE) | 11.0530% | 2,002 |
| Retained earnings to average equity (ytd only) | 7.8931% | 1,445 |
| Net charge-offs to loans | 0.0639% | 1,906 |
| Credit loss provision to net charge-offs | 238.0952% | 1,134 |
| Earnings coverage of net charge-offs (x) | 31.8732% | 1,567 |
| Efficiency ratio | 65.2460% | 2,818 |
| Assets per employee ($millions) | 4.7210% | 2,888 |
| Cash dividends to net income (ytd only)* | 28.5886% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,095 |
| Loan loss allowance to noncurrent loans | 171.7616% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 1.2878% | 947 |
| Noncurrent loans to loans | 0.9068% | 1,762 |
| Net loans and leases to total assets | 74.1380% | 1,791 |
| Net loans and leases to deposits | 93.2218% | 1,296 |
| Net loans and leases to core deposits | 99.2525% | 1,720 |
| Total domestic deposits to total assets | 79.5286% | 4,085 |
| Equity capital to assets | 11.5527% | 2,629 |
| Core capital (leverage) ratio | 11.6099% | 2,139 |
| Tier 1 risk-based capital ratio | 13.3375% | 3,663 |
| Total risk-based capital ratio | 14.5891% | 3,555 |
| Memoranda: | ||
| Average total assets | $703,203,250 | 1,066 |
| Average earning assets | $643,520,000 | 1,072 |
| Average equity | $80,169,000 | 1,082 |
| Average total loans | $526,133,500 | 1,022 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0156% | 1,444 |
| Cost of funding earning assets | 0.8433% | 2,432 |
| Net interest margin | 4.1723% | 1,427 |
| Noninterest income to average assets | 0.5413% | 2,431 |
| Noninterest expense to average assets | 2.8417% | 2,438 |
| Loan and lease loss provision to assets | 0.1005% | 1,865 |
| Net operating income to assets | 1.2628% | 1,903 |
| Return on assets (ROA) | 1.2697% | 1,946 |
| Pretax return on assets | 1.4267% | 2,116 |
| Return on Equity (ROE) | 11.1892% | 1,908 |
| Retained earnings to average equity (ytd only) | 8.1541% | 1,330 |
| Net charge-offs to loans | 0.0246% | 2,359 |
| Credit loss provision to net charge-offs | 546.8750% | 563 |
| Earnings coverage of net charge-offs (x) | 82.7188% | 793 |
| Efficiency ratio | 65.1596% | 2,951 |
| Assets per employee ($millions) | 4.9624% | 2,525 |
| Cash dividends to net income (ytd only)* | 27.1248% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 1,013 |
| Loan loss allowance to noncurrent loans | 126.9010% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.5663% | 698 |
| Noncurrent loans to loans | 1.2669% | 1,253 |
| Net loans and leases to total assets | 72.5365% | 2,144 |
| Net loans and leases to deposits | 90.6314% | 1,673 |
| Net loans and leases to core deposits | 94.5207% | 2,205 |
| Total domestic deposits to total assets | 80.0347% | 4,031 |
| Equity capital to assets | 11.5098% | 2,600 |
| Core capital (leverage) ratio | 11.4512% | 2,207 |
| Tier 1 risk-based capital ratio | 13.4820% | 3,595 |
| Total risk-based capital ratio | 14.7340% | 3,489 |
| Memoranda: | ||
| Average total assets | $696,833,000 | 1,079 |
| Average earning assets | $637,967,330 | 1,082 |
| Average equity | $79,076,330 | 1,092 |
| Average total loans | $520,184,000 | 1,034 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9531% | 1,468 |
| Cost of funding earning assets | 0.8539% | 2,248 |
| Net interest margin | 4.0992% | 1,550 |
| Noninterest income to average assets | 0.5863% | 2,113 |
| Noninterest expense to average assets | 2.8231% | 2,489 |
| Loan and lease loss provision to assets | 0.1437% | 1,191 |
| Net operating income to assets | 1.2414% | 1,917 |
| Return on assets (ROA) | 1.2456% | 1,951 |
| Pretax return on assets | 1.3870% | 2,134 |
| Return on Equity (ROE) | 11.0574% | 1,926 |
| Retained earnings to average equity (ytd only) | 8.2288% | 1,584 |
| Net charge-offs to loans | -0.1195% | 5,070 |
| Credit loss provision to net charge-offs | -160.0000% | 3,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9127% | 3,096 |
| Assets per employee ($millions) | 5.1215% | 2,373 |
| Cash dividends to net income (ytd only)* | 25.5814% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 944 |
| Loan loss allowance to noncurrent loans | 110.7245% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.8143% | 576 |
| Noncurrent loans to loans | 1.4981% | 1,077 |
| Net loans and leases to total assets | 73.6693% | 1,870 |
| Net loans and leases to deposits | 92.8757% | 1,299 |
| Net loans and leases to core deposits | 104.5928% | 1,268 |
| Total domestic deposits to total assets | 79.3203% | 4,293 |
| Equity capital to assets | 11.4805% | 2,416 |
| Core capital (leverage) ratio | 11.4259% | 2,192 |
| Tier 1 risk-based capital ratio | 13.5970% | 3,559 |
| Total risk-based capital ratio | 14.8498% | 3,467 |
| Memoranda: | ||
| Average total assets | $690,434,500 | 1,090 |
| Average earning assets | $633,787,000 | 1,087 |
| Average equity | $77,776,000 | 1,102 |
| Average total loans | $518,700,000 | 1,040 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 1,692 |
| Cost of funding earning assets | 0.6278% | 2,539 |
| Net interest margin | 4.1166% | 1,629 |
| Noninterest income to average assets | 0.5364% | 2,631 |
| Noninterest expense to average assets | 2.9172% | 2,291 |
| Loan and lease loss provision to assets | 0.0749% | 2,630 |
| Net operating income to assets | 1.1984% | 2,176 |
| Return on assets (ROA) | 1.2009% | 2,163 |
| Pretax return on assets | 1.3139% | 2,450 |
| Return on Equity (ROE) | 10.8870% | 2,136 |
| Retained earnings to average equity (ytd only) | 7.1217% | 1,616 |
| Net charge-offs to loans | -0.0084% | 4,450 |
| Credit loss provision to net charge-offs | -1,162.7907% | 4,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7635% | 2,587 |
| Assets per employee ($millions) | 5.0332% | 2,453 |
| Cash dividends to net income (ytd only)* | 34.5852% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 1,141 |
| Loan loss allowance to noncurrent loans | 197.9776% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 1.3204% | 960 |
| Noncurrent loans to loans | 0.7843% | 2,046 |
| Net loans and leases to total assets | 74.1689% | 1,911 |
| Net loans and leases to deposits | 96.2794% | 1,049 |
| Net loans and leases to core deposits | 111.6139% | 900 |
| Total domestic deposits to total assets | 77.0351% | 4,627 |
| Equity capital to assets | 11.0517% | 2,633 |
| Core capital (leverage) ratio | 11.2270% | 2,323 |
| Tier 1 risk-based capital ratio | 13.0625% | 3,812 |
| Total risk-based capital ratio | 14.3141% | 3,698 |
| Memoranda: | ||
| Average total assets | $667,392,200 | 1,093 |
| Average earning assets | $610,670,600 | 1,099 |
| Average equity | $73,620,000 | 1,105 |
| Average total loans | $512,276,600 | 1,021 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 1,718 |
| Cost of funding earning assets | 0.5854% | 2,582 |
| Net interest margin | 4.1007% | 1,629 |
| Noninterest income to average assets | 0.5240% | 2,719 |
| Noninterest expense to average assets | 2.9290% | 2,233 |
| Loan and lease loss provision to assets | 0.1009% | 1,979 |
| Net operating income to assets | 1.1411% | 2,485 |
| Return on assets (ROA) | 1.1444% | 2,475 |
| Pretax return on assets | 1.2459% | 2,827 |
| Return on Equity (ROE) | 10.3795% | 2,442 |
| Retained earnings to average equity (ytd only) | 6.5737% | 2,351 |
| Net charge-offs to loans | -0.0013% | 4,037 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5218% | 2,440 |
| Assets per employee ($millions) | 4.8436% | 2,662 |
| Cash dividends to net income (ytd only)* | 36.6667% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 1,134 |
| Loan loss allowance to noncurrent loans | 152.0970% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 1.6580% | 748 |
| Noncurrent loans to loans | 1.0357% | 1,651 |
| Net loans and leases to total assets | 75.0482% | 1,806 |
| Net loans and leases to deposits | 97.6599% | 974 |
| Net loans and leases to core deposits | 105.6948% | 1,333 |
| Total domestic deposits to total assets | 76.8465% | 4,669 |
| Equity capital to assets | 11.0079% | 2,659 |
| Core capital (leverage) ratio | 11.4493% | 2,213 |
| Tier 1 risk-based capital ratio | 13.1728% | 3,801 |
| Total risk-based capital ratio | 14.4248% | 3,714 |
| Memoranda: | ||
| Average total assets | $660,594,750 | 1,105 |
| Average earning assets | $603,823,000 | 1,110 |
| Average equity | $72,834,250 | 1,118 |
| Average total loans | $509,523,500 | 1,029 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,699 |
| Cost of funding earning assets | 0.5660% | 2,468 |
| Net interest margin | 4.0628% | 1,663 |
| Noninterest income to average assets | 0.4516% | 3,139 |
| Noninterest expense to average assets | 2.9483% | 2,202 |
| Loan and lease loss provision to assets | 0.0756% | 2,385 |
| Net operating income to assets | 1.0559% | 2,777 |
| Return on assets (ROA) | 1.0500% | 2,801 |
| Pretax return on assets | 1.1353% | 3,182 |
| Return on Equity (ROE) | 9.5182% | 2,791 |
| Retained earnings to average equity (ytd only) | 5.6900% | 2,730 |
| Net charge-offs to loans | -0.0055% | 4,128 |
| Credit loss provision to net charge-offs | -1,771.4286% | 4,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7190% | 2,209 |
| Assets per employee ($millions) | 4.6698% | 2,855 |
| Cash dividends to net income (ytd only)* | 40.2205% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 1,225 |
| Loan loss allowance to noncurrent loans | 173.3098% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 1.6720% | 738 |
| Noncurrent loans to loans | 0.8970% | 1,925 |
| Net loans and leases to total assets | 75.4362% | 1,728 |
| Net loans and leases to deposits | 100.4246% | 776 |
| Net loans and leases to core deposits | 108.3692% | 1,097 |
| Total domestic deposits to total assets | 75.1173% | 4,946 |
| Equity capital to assets | 11.0964% | 2,544 |
| Core capital (leverage) ratio | 11.1768% | 2,362 |
| Tier 1 risk-based capital ratio | 12.9715% | 3,907 |
| Total risk-based capital ratio | 14.2232% | 3,830 |
| Memoranda: | ||
| Average total assets | $656,372,330 | 1,114 |
| Average earning assets | $600,032,000 | 1,117 |
| Average equity | $72,408,330 | 1,121 |
| Average total loans | $508,245,330 | 1,031 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 1,728 |
| Cost of funding earning assets | 0.5574% | 2,339 |
| Net interest margin | 3.9889% | 1,762 |
| Noninterest income to average assets | 0.5579% | 2,484 |
| Noninterest expense to average assets | 2.9078% | 2,339 |
| Loan and lease loss provision to assets | 0.1514% | 1,196 |
| Net operating income to assets | 1.0589% | 2,616 |
| Return on assets (ROA) | 1.0572% | 2,629 |
| Pretax return on assets | 1.1396% | 3,003 |
| Return on Equity (ROE) | 9.6115% | 2,630 |
| Retained earnings to average equity (ytd only) | 5.7658% | 2,826 |
| Net charge-offs to loans | 0.0259% | 1,986 |
| Credit loss provision to net charge-offs | 751.5152% | 434 |
| Earnings coverage of net charge-offs (x) | 64.1818% | 806 |
| Efficiency ratio | 69.1514% | 2,637 |
| Assets per employee ($millions) | 4.7511% | 2,790 |
| Cash dividends to net income (ytd only)* | 40.0115% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 1,348 |
| Loan loss allowance to noncurrent loans | 159.7746% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.8005% | 679 |
| Noncurrent loans to loans | 0.9578% | 1,908 |
| Net loans and leases to total assets | 76.5196% | 1,453 |
| Net loans and leases to deposits | 101.7657% | 597 |
| Net loans and leases to core deposits | 113.4616% | 831 |
| Total domestic deposits to total assets | 75.1919% | 5,049 |
| Equity capital to assets | 11.0184% | 2,554 |
| Core capital (leverage) ratio | 11.2122% | 2,237 |
| Tier 1 risk-based capital ratio | 12.6217% | 4,164 |
| Total risk-based capital ratio | 13.8730% | 4,066 |
| Memoranda: | ||
| Average total assets | $655,336,000 | 1,125 |
| Average earning assets | $598,465,500 | 1,134 |
| Average equity | $72,080,500 | 1,135 |
| Average total loans | $510,093,000 | 1,032 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 1,527 |
| Cost of funding earning assets | 0.4951% | 2,379 |
| Net interest margin | 4.0689% | 1,533 |
| Noninterest income to average assets | 0.5691% | 2,608 |
| Noninterest expense to average assets | 2.8318% | 2,675 |
| Loan and lease loss provision to assets | 0.1075% | 2,088 |
| Net operating income to assets | 0.8145% | 3,097 |
| Return on assets (ROA) | 0.8059% | 3,173 |
| Pretax return on assets | 1.3355% | 2,229 |
| Return on Equity (ROE) | 7.3773% | 3,086 |
| Retained earnings to average equity (ytd only) | 3.7421% | 2,985 |
| Net charge-offs to loans | 0.3260% | 781 |
| Credit loss provision to net charge-offs | 42.3985% | 3,419 |
| Earnings coverage of net charge-offs (x) | 5.7432% | 3,278 |
| Efficiency ratio | 65.9562% | 3,277 |
| Assets per employee ($millions) | 4.7812% | 2,757 |
| Cash dividends to net income (ytd only)* | 49.2756% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 1,460 |
| Loan loss allowance to noncurrent loans | 137.7794% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.7267% | 733 |
| Noncurrent loans to loans | 1.0776% | 1,651 |
| Net loans and leases to total assets | 76.8076% | 1,461 |
| Net loans and leases to deposits | 100.5420% | 690 |
| Net loans and leases to core deposits | 115.6661% | 731 |
| Total domestic deposits to total assets | 76.3935% | 4,932 |
| Equity capital to assets | 10.9796% | 2,645 |
| Core capital (leverage) ratio | 10.9353% | 2,396 |
| Tier 1 risk-based capital ratio | 12.4471% | 4,238 |
| Total risk-based capital ratio | 13.6980% | 4,139 |
| Memoranda: | ||
| Average total assets | $650,989,400 | 1,118 |
| Average earning assets | $595,053,800 | 1,124 |
| Average equity | $71,110,000 | 1,120 |
| Average total loans | $506,375,400 | 1,013 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 1,629 |
| Cost of funding earning assets | 0.4846% | 2,394 |
| Net interest margin | 4.0194% | 1,636 |
| Noninterest income to average assets | 0.5696% | 2,628 |
| Noninterest expense to average assets | 2.8177% | 2,669 |
| Loan and lease loss provision to assets | 0.1436% | 1,470 |
| Net operating income to assets | 0.9916% | 2,589 |
| Return on assets (ROA) | 0.9924% | 2,639 |
| Pretax return on assets | 1.2876% | 2,552 |
| Return on Equity (ROE) | 9.0970% | 2,555 |
| Retained earnings to average equity (ytd only) | 5.5395% | 2,516 |
| Net charge-offs to loans | 0.0995% | 1,788 |
| Credit loss provision to net charge-offs | 185.6764% | 1,431 |
| Earnings coverage of net charge-offs (x) | 18.4935% | 2,043 |
| Efficiency ratio | 66.2546% | 3,166 |
| Assets per employee ($millions) | 4.7322% | 2,788 |
| Cash dividends to net income (ytd only)* | 39.1070% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 991 |
| Loan loss allowance to noncurrent loans | 119.1764% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.8751% | 722 |
| Noncurrent loans to loans | 1.4434% | 1,296 |
| Net loans and leases to total assets | 76.3711% | 1,520 |
| Net loans and leases to deposits | 97.9920% | 916 |
| Net loans and leases to core deposits | 106.8755% | 1,208 |
| Total domestic deposits to total assets | 77.9361% | 4,739 |
| Equity capital to assets | 10.9544% | 2,903 |
| Core capital (leverage) ratio | 11.0992% | 2,371 |
| Tier 1 risk-based capital ratio | 12.4704% | 4,339 |
| Total risk-based capital ratio | 13.7240% | 4,250 |
| Memoranda: | ||
| Average total assets | $649,980,750 | 1,127 |
| Average earning assets | $594,800,000 | 1,127 |
| Average equity | $70,907,750 | 1,126 |
| Average total loans | $505,296,750 | 1,014 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 1,507 |
| Cost of funding earning assets | 0.4824% | 2,311 |
| Net interest margin | 4.0190% | 1,548 |
| Noninterest income to average assets | 0.6346% | 2,294 |
| Noninterest expense to average assets | 2.8609% | 2,537 |
| Loan and lease loss provision to assets | 0.1548% | 1,295 |
| Net operating income to assets | 0.9966% | 2,443 |
| Return on assets (ROA) | 0.9978% | 2,483 |
| Pretax return on assets | 1.2967% | 2,399 |
| Return on Equity (ROE) | 9.1596% | 2,432 |
| Retained earnings to average equity (ytd only) | 5.6061% | 2,348 |
| Net charge-offs to loans | 0.1470% | 1,273 |
| Credit loss provision to net charge-offs | 135.5014% | 1,631 |
| Earnings coverage of net charge-offs (x) | 12.6883% | 2,174 |
| Efficiency ratio | 66.2859% | 3,304 |
| Assets per employee ($millions) | 4.5604% | 3,015 |
| Cash dividends to net income (ytd only)* | 38.7958% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 1,027 |
| Loan loss allowance to noncurrent loans | 115.4277% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.9778% | 649 |
| Noncurrent loans to loans | 1.4863% | 1,266 |
| Net loans and leases to total assets | 76.1115% | 1,533 |
| Net loans and leases to deposits | 99.0638% | 810 |
| Net loans and leases to core deposits | 108.8040% | 1,065 |
| Total domestic deposits to total assets | 76.8308% | 4,985 |
| Equity capital to assets | 11.0086% | 2,797 |
| Core capital (leverage) ratio | 10.9570% | 2,454 |
| Tier 1 risk-based capital ratio | 12.4934% | 4,307 |
| Total risk-based capital ratio | 13.7469% | 4,203 |
| Memoranda: | ||
| Average total assets | $645,803,670 | 1,133 |
| Average earning assets | $590,748,670 | 1,138 |
| Average equity | $70,352,330 | 1,134 |
| Average total loans | $502,121,000 | 1,018 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 1,319 |
| Cost of funding earning assets | 0.4731% | 2,327 |
| Net interest margin | 4.0516% | 1,346 |
| Noninterest income to average assets | 0.5726% | 2,549 |
| Noninterest expense to average assets | 2.8701% | 2,550 |
| Loan and lease loss provision to assets | 0.1556% | 1,169 |
| Net operating income to assets | 0.9761% | 2,412 |
| Return on assets (ROA) | 0.9785% | 2,451 |
| Pretax return on assets | 1.2654% | 2,369 |
| Return on Equity (ROE) | 9.0303% | 2,405 |
| Retained earnings to average equity (ytd only) | 5.4400% | 2,636 |
| Net charge-offs to loans | -0.0080% | 4,337 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8602% | 3,357 |
| Assets per employee ($millions) | 4.6370% | 2,943 |
| Cash dividends to net income (ytd only)* | 39.7583% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7377% | 1,080 |
| Loan loss allowance to noncurrent loans | 97.2462% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 2.2143% | 563 |
| Noncurrent loans to loans | 1.7869% | 1,051 |
| Net loans and leases to total assets | 77.1436% | 1,251 |
| Net loans and leases to deposits | 100.7111% | 572 |
| Net loans and leases to core deposits | 114.8664% | 637 |
| Total domestic deposits to total assets | 76.5989% | 5,162 |
| Equity capital to assets | 10.8890% | 2,755 |
| Core capital (leverage) ratio | 10.9453% | 2,417 |
| Tier 1 risk-based capital ratio | 12.3635% | 4,472 |
| Total risk-based capital ratio | 13.6172% | 4,376 |
| Memoranda: | ||
| Average total assets | $642,634,500 | 1,140 |
| Average earning assets | $589,299,500 | 1,139 |
| Average equity | $69,632,500 | 1,138 |
| Average total loans | $500,672,000 | 1,015 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 1,659 |
| Cost of funding earning assets | 0.4764% | 2,294 |
| Net interest margin | 3.9812% | 1,691 |
| Noninterest income to average assets | 0.6536% | 2,404 |
| Noninterest expense to average assets | 2.8266% | 2,936 |
| Loan and lease loss provision to assets | 0.1587% | 1,562 |
| Net operating income to assets | 1.0323% | 2,219 |
| Return on assets (ROA) | 1.0085% | 2,415 |
| Pretax return on assets | 1.2848% | 2,335 |
| Return on Equity (ROE) | 9.3503% | 2,250 |
| Retained earnings to average equity (ytd only) | 5.8197% | 1,810 |
| Net charge-offs to loans | 0.1550% | 1,716 |
| Credit loss provision to net charge-offs | 134.4086% | 2,017 |
| Earnings coverage of net charge-offs (x) | 12.4852% | 2,443 |
| Efficiency ratio | 65.6459% | 3,651 |
| Assets per employee ($millions) | 4.6430% | 2,891 |
| Cash dividends to net income (ytd only)* | 37.7596% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 1,095 |
| Loan loss allowance to noncurrent loans | 103.8583% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 2.2434% | 569 |
| Noncurrent loans to loans | 1.6587% | 1,165 |
| Net loans and leases to total assets | 75.9755% | 1,517 |
| Net loans and leases to deposits | 95.5253% | 1,040 |
| Net loans and leases to core deposits | 114.3457% | 683 |
| Total domestic deposits to total assets | 79.5344% | 4,672 |
| Equity capital to assets | 10.7816% | 2,834 |
| Core capital (leverage) ratio | 10.7402% | 2,608 |
| Tier 1 risk-based capital ratio | 12.4764% | 4,387 |
| Total risk-based capital ratio | 13.7300% | 4,276 |
| Memoranda: | ||
| Average total assets | $630,218,200 | 1,120 |
| Average earning assets | $577,306,600 | 1,126 |
| Average equity | $67,976,200 | 1,150 |
| Average total loans | $479,919,200 | 1,008 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 1,713 |
| Cost of funding earning assets | 0.4772% | 2,293 |
| Net interest margin | 3.9681% | 1,758 |
| Noninterest income to average assets | 0.6312% | 2,516 |
| Noninterest expense to average assets | 2.8222% | 2,928 |
| Loan and lease loss provision to assets | 0.2124% | 990 |
| Net operating income to assets | 0.9756% | 2,543 |
| Return on assets (ROA) | 0.9751% | 2,672 |
| Pretax return on assets | 1.2330% | 2,691 |
| Return on Equity (ROE) | 9.0397% | 2,463 |
| Retained earnings to average equity (ytd only) | 5.4947% | 2,488 |
| Net charge-offs to loans | 0.2252% | 1,041 |
| Credit loss provision to net charge-offs | 124.3781% | 2,036 |
| Earnings coverage of net charge-offs (x) | 8.4664% | 2,762 |
| Efficiency ratio | 66.0395% | 3,585 |
| Assets per employee ($millions) | 4.5538% | 2,995 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 1,142 |
| Loan loss allowance to noncurrent loans | 95.8810% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 2.3977% | 585 |
| Noncurrent loans to loans | 1.8051% | 1,144 |
| Net loans and leases to total assets | 75.4607% | 1,622 |
| Net loans and leases to deposits | 94.4620% | 1,213 |
| Net loans and leases to core deposits | 107.1007% | 1,106 |
| Total domestic deposits to total assets | 79.8848% | 4,537 |
| Equity capital to assets | 10.8579% | 3,192 |
| Core capital (leverage) ratio | 10.7272% | 2,753 |
| Tier 1 risk-based capital ratio | 12.3978% | 4,539 |
| Total risk-based capital ratio | 13.6516% | 4,433 |
| Memoranda: | ||
| Average total assets | $627,590,750 | 1,128 |
| Average earning assets | $575,236,750 | 1,132 |
| Average equity | $67,700,000 | 1,162 |
| Average total loans | $476,066,750 | 1,014 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4331% | 1,730 |
| Cost of funding earning assets | 0.4804% | 2,268 |
| Net interest margin | 3.9527% | 1,797 |
| Noninterest income to average assets | 0.6174% | 2,522 |
| Noninterest expense to average assets | 2.7940% | 3,049 |
| Loan and lease loss provision to assets | 0.2163% | 968 |
| Net operating income to assets | 0.9739% | 2,504 |
| Return on assets (ROA) | 0.9749% | 2,644 |
| Pretax return on assets | 1.2328% | 2,657 |
| Return on Equity (ROE) | 9.0576% | 2,471 |
| Retained earnings to average equity (ytd only) | 5.4857% | 2,427 |
| Net charge-offs to loans | 0.3270% | 718 |
| Credit loss provision to net charge-offs | 87.5486% | 2,278 |
| Earnings coverage of net charge-offs (x) | 5.8612% | 2,804 |
| Efficiency ratio | 65.7855% | 3,711 |
| Assets per employee ($millions) | 4.6542% | 2,788 |
| Cash dividends to net income (ytd only)* | 39.4348% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 1,177 |
| Loan loss allowance to noncurrent loans | 93.4758% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.3478% | 625 |
| Noncurrent loans to loans | 1.8729% | 1,085 |
| Net loans and leases to total assets | 72.0035% | 2,167 |
| Net loans and leases to deposits | 91.3490% | 1,590 |
| Net loans and leases to core deposits | 103.5520% | 1,364 |
| Total domestic deposits to total assets | 78.8225% | 4,822 |
| Equity capital to assets | 10.7597% | 3,335 |
| Core capital (leverage) ratio | 10.5374% | 2,927 |
| Tier 1 risk-based capital ratio | 12.5174% | 4,509 |
| Total risk-based capital ratio | 13.7709% | 4,421 |
| Memoranda: | ||
| Average total assets | $624,275,330 | 1,136 |
| Average earning assets | $572,424,000 | 1,139 |
| Average equity | $67,192,330 | 1,170 |
| Average total loans | $471,568,000 | 1,020 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4759% | 1,578 |
| Cost of funding earning assets | 0.4790% | 2,286 |
| Net interest margin | 3.9968% | 1,623 |
| Noninterest income to average assets | 0.5654% | 2,715 |
| Noninterest expense to average assets | 2.7772% | 3,158 |
| Loan and lease loss provision to assets | 0.2267% | 821 |
| Net operating income to assets | 0.9707% | 2,408 |
| Return on assets (ROA) | 0.9728% | 2,515 |
| Pretax return on assets | 1.2280% | 2,590 |
| Return on Equity (ROE) | 9.0366% | 2,410 |
| Retained earnings to average equity (ytd only) | 5.4267% | 2,699 |
| Net charge-offs to loans | -0.0557% | 5,379 |
| Credit loss provision to net charge-offs | -530.3030% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5896% | 3,864 |
| Assets per employee ($millions) | 4.6113% | 2,874 |
| Cash dividends to net income (ytd only)* | 39.9467% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 1,104 |
| Loan loss allowance to noncurrent loans | 91.9408% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 2.5830% | 562 |
| Noncurrent loans to loans | 1.9861% | 1,087 |
| Net loans and leases to total assets | 75.0737% | 1,541 |
| Net loans and leases to deposits | 94.5919% | 1,088 |
| Net loans and leases to core deposits | 110.8282% | 813 |
| Total domestic deposits to total assets | 79.3659% | 4,883 |
| Equity capital to assets | 10.7778% | 3,181 |
| Core capital (leverage) ratio | 10.6917% | 2,744 |
| Tier 1 risk-based capital ratio | 12.3973% | 4,654 |
| Total risk-based capital ratio | 13.6521% | 4,552 |
| Memoranda: | ||
| Average total assets | $617,603,500 | 1,143 |
| Average earning assets | $566,146,500 | 1,146 |
| Average equity | $66,485,500 | 1,183 |
| Average total loans | $473,707,500 | 1,017 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 1,856 |
| Cost of funding earning assets | 0.4662% | 2,472 |
| Net interest margin | 3.9479% | 1,881 |
| Noninterest income to average assets | 0.3904% | 4,105 |
| Noninterest expense to average assets | 2.8861% | 2,901 |
| Loan and lease loss provision to assets | 0.4923% | 231 |
| Net operating income to assets | 0.5634% | 4,449 |
| Return on assets (ROA) | 0.5988% | 4,377 |
| Pretax return on assets | 0.6741% | 4,600 |
| Return on Equity (ROE) | 5.5963% | 4,234 |
| Retained earnings to average equity (ytd only) | 3.1424% | 3,817 |
| Net charge-offs to loans | 0.5493% | 457 |
| Credit loss provision to net charge-offs | 117.2333% | 2,194 |
| Earnings coverage of net charge-offs (x) | 2.6831% | 3,849 |
| Efficiency ratio | 71.9228% | 2,919 |
| Assets per employee ($millions) | 4.6769% | 2,762 |
| Cash dividends to net income (ytd only)* | 43.8476% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 1,228 |
| Loan loss allowance to noncurrent loans | 82.1946% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 2.7901% | 505 |
| Noncurrent loans to loans | 2.1364% | 952 |
| Net loans and leases to total assets | 75.5844% | 1,480 |
| Net loans and leases to deposits | 94.3843% | 1,165 |
| Net loans and leases to core deposits | 108.8628% | 927 |
| Total domestic deposits to total assets | 80.0816% | 4,723 |
| Equity capital to assets | 10.7522% | 3,073 |
| Core capital (leverage) ratio | 10.6314% | 2,798 |
| Tier 1 risk-based capital ratio | 12.3985% | 4,701 |
| Total risk-based capital ratio | 13.6525% | 4,590 |
| Memoranda: | ||
| Average total assets | $609,399,800 | 1,117 |
| Average earning assets | $559,153,800 | 1,126 |
| Average equity | $65,204,200 | 1,160 |
| Average total loans | $465,866,200 | 992 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 1,913 |
| Cost of funding earning assets | 0.4705% | 2,495 |
| Net interest margin | 3.9317% | 1,925 |
| Noninterest income to average assets | 0.5598% | 2,984 |
| Noninterest expense to average assets | 2.8411% | 3,036 |
| Loan and lease loss provision to assets | 0.4929% | 207 |
| Net operating income to assets | 0.7016% | 3,896 |
| Return on assets (ROA) | 0.7271% | 3,884 |
| Pretax return on assets | 0.8667% | 4,105 |
| Return on Equity (ROE) | 6.8042% | 3,724 |
| Retained earnings to average equity (ytd only) | 4.5491% | 3,234 |
| Net charge-offs to loans | 0.2061% | 1,257 |
| Credit loss provision to net charge-offs | 313.3705% | 933 |
| Earnings coverage of net charge-offs (x) | 8.4499% | 2,819 |
| Efficiency ratio | 68.1271% | 3,512 |
| Assets per employee ($millions) | 4.6324% | 2,791 |
| Cash dividends to net income (ytd only)* | 33.1425% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9883% | 926 |
| Loan loss allowance to noncurrent loans | 55.2391% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 3.5081% | 368 |
| Noncurrent loans to loans | 3.5994% | 420 |
| Net loans and leases to total assets | 75.5207% | 1,456 |
| Net loans and leases to deposits | 94.3552% | 1,162 |
| Net loans and leases to core deposits | 107.0006% | 1,036 |
| Total domestic deposits to total assets | 80.0387% | 4,747 |
| Equity capital to assets | 10.8370% | 3,204 |
| Core capital (leverage) ratio | 10.7026% | 2,818 |
| Tier 1 risk-based capital ratio | 12.4756% | 4,776 |
| Total risk-based capital ratio | 13.7323% | 4,665 |
| Memoranda: | ||
| Average total assets | $608,581,000 | 1,124 |
| Average earning assets | $558,859,000 | 1,124 |
| Average equity | $65,036,250 | 1,168 |
| Average total loans | $464,491,750 | 999 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 1,909 |
| Cost of funding earning assets | 0.4765% | 2,462 |
| Net interest margin | 3.9069% | 1,951 |
| Noninterest income to average assets | 0.5882% | 2,807 |
| Noninterest expense to average assets | 2.7731% | 3,341 |
| Loan and lease loss provision to assets | 0.4937% | 199 |
| Net operating income to assets | 0.7598% | 3,593 |
| Return on assets (ROA) | 0.7831% | 3,576 |
| Pretax return on assets | 0.9355% | 3,823 |
| Return on Equity (ROE) | 7.3623% | 3,396 |
| Retained earnings to average equity (ytd only) | 3.9581% | 3,491 |
| Net charge-offs to loans | 0.2090% | 1,211 |
| Credit loss provision to net charge-offs | 310.5590% | 909 |
| Earnings coverage of net charge-offs (x) | 8.8157% | 2,529 |
| Efficiency ratio | 66.4275% | 3,939 |
| Assets per employee ($millions) | 4.6223% | 2,796 |
| Cash dividends to net income (ytd only)* | 46.2379% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9198% | 1,124 |
| Loan loss allowance to noncurrent loans | 51.3813% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 3.5832% | 396 |
| Noncurrent loans to loans | 3.7364% | 451 |
| Net loans and leases to total assets | 74.1265% | 1,640 |
| Net loans and leases to deposits | 92.3505% | 1,336 |
| Net loans and leases to core deposits | 105.6825% | 1,086 |
| Total domestic deposits to total assets | 80.2665% | 4,803 |
| Equity capital to assets | 10.6543% | 3,265 |
| Core capital (leverage) ratio | 10.5990% | 2,848 |
| Tier 1 risk-based capital ratio | 12.4019% | 4,873 |
| Total risk-based capital ratio | 13.6575% | 4,783 |
| Memoranda: | ||
| Average total assets | $607,615,000 | 1,135 |
| Average earning assets | $557,783,670 | 1,130 |
| Average equity | $64,626,330 | 1,186 |
| Average total loans | $462,268,670 | 1,002 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 1,693 |
| Cost of funding earning assets | 0.4895% | 2,385 |
| Net interest margin | 3.9306% | 1,788 |
| Noninterest income to average assets | 0.5693% | 2,839 |
| Noninterest expense to average assets | 2.8281% | 3,147 |
| Loan and lease loss provision to assets | 0.4948% | 213 |
| Net operating income to assets | 0.7154% | 3,727 |
| Return on assets (ROA) | 0.7619% | 3,608 |
| Pretax return on assets | 0.9090% | 3,853 |
| Return on Equity (ROE) | 7.1699% | 3,416 |
| Retained earnings to average equity (ytd only) | 3.4453% | 3,923 |
| Net charge-offs to loans | 0.3250% | 743 |
| Credit loss provision to net charge-offs | 199.4681% | 1,062 |
| Earnings coverage of net charge-offs (x) | 5.4362% | 2,389 |
| Efficiency ratio | 67.7144% | 3,877 |
| Assets per employee ($millions) | 4.6302% | 2,859 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 1,517 |
| Loan loss allowance to noncurrent loans | 53.2356% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 3.5983% | 451 |
| Noncurrent loans to loans | 3.3607% | 596 |
| Net loans and leases to total assets | 74.8733% | 1,376 |
| Net loans and leases to deposits | 91.8666% | 1,204 |
| Net loans and leases to core deposits | 108.9035% | 792 |
| Total domestic deposits to total assets | 81.5022% | 4,670 |
| Equity capital to assets | 10.7664% | 3,239 |
| Core capital (leverage) ratio | 10.5862% | 2,861 |
| Tier 1 risk-based capital ratio | 12.4943% | 4,909 |
| Total risk-based capital ratio | 13.7492% | 4,816 |
| Memoranda: | ||
| Average total assets | $606,348,000 | 1,142 |
| Average earning assets | $556,461,500 | 1,135 |
| Average equity | $64,436,000 | 1,187 |
| Average total loans | $462,835,500 | 1,002 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 1,799 |
| Cost of funding earning assets | 0.5485% | 2,215 |
| Net interest margin | 3.9682% | 1,985 |
| Noninterest income to average assets | 0.5899% | 2,918 |
| Noninterest expense to average assets | 2.6811% | 3,934 |
| Loan and lease loss provision to assets | 0.4757% | 336 |
| Net operating income to assets | 0.8725% | 3,006 |
| Return on assets (ROA) | 0.9099% | 2,918 |
| Pretax return on assets | 1.1152% | 3,029 |
| Return on Equity (ROE) | 8.9380% | 2,622 |
| Retained earnings to average equity (ytd only) | 5.2400% | 2,440 |
| Net charge-offs to loans | 0.7897% | 445 |
| Credit loss provision to net charge-offs | 78.4844% | 2,895 |
| Earnings coverage of net charge-offs (x) | 2.5494% | 4,127 |
| Efficiency ratio | 63.4374% | 4,677 |
| Assets per employee ($millions) | 4.7347% | 2,677 |
| Cash dividends to net income (ytd only)* | 41.3737% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 1,824 |
| Loan loss allowance to noncurrent loans | 54.0153% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 3.3540% | 563 |
| Noncurrent loans to loans | 3.1079% | 717 |
| Net loans and leases to total assets | 75.1417% | 1,393 |
| Net loans and leases to deposits | 92.9652% | 1,185 |
| Net loans and leases to core deposits | 112.8525% | 645 |
| Total domestic deposits to total assets | 80.8278% | 4,785 |
| Equity capital to assets | 10.4894% | 3,498 |
| Core capital (leverage) ratio | 10.3104% | 3,155 |
| Tier 1 risk-based capital ratio | 12.5976% | 4,977 |
| Total risk-based capital ratio | 13.8517% | 4,890 |
| Memoranda: | ||
| Average total assets | $609,601,600 | 1,090 |
| Average earning assets | $558,645,000 | 1,089 |
| Average equity | $62,060,600 | 1,177 |
| Average total loans | $467,878,800 | 949 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5275% | 1,775 |
| Cost of funding earning assets | 0.5586% | 2,208 |
| Net interest margin | 3.9689% | 1,969 |
| Noninterest income to average assets | 0.5543% | 3,176 |
| Noninterest expense to average assets | 2.6429% | 4,038 |
| Loan and lease loss provision to assets | 0.4595% | 333 |
| Net operating income to assets | 0.8870% | 2,975 |
| Return on assets (ROA) | 0.9182% | 2,926 |
| Pretax return on assets | 1.1263% | 3,085 |
| Return on Equity (ROE) | 9.0880% | 2,633 |
| Retained earnings to average equity (ytd only) | 5.4169% | 2,817 |
| Net charge-offs to loans | 0.1974% | 1,893 |
| Credit loss provision to net charge-offs | 303.0303% | 902 |
| Earnings coverage of net charge-offs (x) | 10.2063% | 2,572 |
| Efficiency ratio | 63.0672% | 4,712 |
| Assets per employee ($millions) | 4.8079% | 2,505 |
| Cash dividends to net income (ytd only)* | 40.3955% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1101% | 1,074 |
| Loan loss allowance to noncurrent loans | 58.8118% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 3.6682% | 568 |
| Noncurrent loans to loans | 3.5878% | 655 |
| Net loans and leases to total assets | 75.0834% | 1,351 |
| Net loans and leases to deposits | 94.4504% | 1,000 |
| Net loans and leases to core deposits | 108.6144% | 819 |
| Total domestic deposits to total assets | 79.4950% | 5,224 |
| Equity capital to assets | 10.1827% | 3,952 |
| Core capital (leverage) ratio | 10.2373% | 3,360 |
| Tier 1 risk-based capital ratio | 12.3138% | 5,288 |
| Total risk-based capital ratio | 13.5729% | 5,210 |
| Memoranda: | ||
| Average total assets | $609,309,500 | 1,099 |
| Average earning assets | $558,265,000 | 1,095 |
| Average equity | $61,559,250 | 1,194 |
| Average total loans | $468,153,750 | 952 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 1,765 |
| Cost of funding earning assets | 0.5719% | 2,150 |
| Net interest margin | 3.9492% | 1,973 |
| Noninterest income to average assets | 0.6456% | 2,569 |
| Noninterest expense to average assets | 2.6707% | 3,974 |
| Loan and lease loss provision to assets | 0.4375% | 374 |
| Net operating income to assets | 0.9321% | 2,640 |
| Return on assets (ROA) | 0.9698% | 2,543 |
| Pretax return on assets | 1.2053% | 2,649 |
| Return on Equity (ROE) | 9.6252% | 2,311 |
| Retained earnings to average equity (ytd only) | 6.0366% | 2,299 |
| Net charge-offs to loans | 0.1993% | 1,835 |
| Credit loss provision to net charge-offs | 285.5603% | 896 |
| Earnings coverage of net charge-offs (x) | 10.4138% | 2,252 |
| Efficiency ratio | 62.6006% | 4,929 |
| Assets per employee ($millions) | 4.7861% | 2,493 |
| Cash dividends to net income (ytd only)* | 37.2829% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0645% | 1,247 |
| Loan loss allowance to noncurrent loans | 53.8004% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 3.9252% | 557 |
| Noncurrent loans to loans | 3.8373% | 636 |
| Net loans and leases to total assets | 74.0799% | 1,430 |
| Net loans and leases to deposits | 92.6133% | 1,085 |
| Net loans and leases to core deposits | 107.0521% | 827 |
| Total domestic deposits to total assets | 79.9883% | 5,238 |
| Equity capital to assets | 10.2687% | 3,731 |
| Core capital (leverage) ratio | 10.1459% | 3,420 |
| Tier 1 risk-based capital ratio | 12.3711% | 5,319 |
| Total risk-based capital ratio | 13.6293% | 5,233 |
| Memoranda: | ||
| Average total assets | $605,672,670 | 1,101 |
| Average earning assets | $555,300,330 | 1,098 |
| Average equity | $61,027,330 | 1,198 |
| Average total loans | $465,631,670 | 948 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 1,757 |
| Cost of funding earning assets | 0.5805% | 2,154 |
| Net interest margin | 3.9369% | 1,961 |
| Noninterest income to average assets | 0.6305% | 2,565 |
| Noninterest expense to average assets | 2.6292% | 4,181 |
| Loan and lease loss provision to assets | 0.4466% | 357 |
| Net operating income to assets | 0.9534% | 2,390 |
| Return on assets (ROA) | 0.9534% | 2,463 |
| Pretax return on assets | 1.1803% | 2,570 |
| Return on Equity (ROE) | 9.5537% | 2,226 |
| Retained earnings to average equity (ytd only) | 5.4432% | 2,821 |
| Net charge-offs to loans | 0.1076% | 2,106 |
| Credit loss provision to net charge-offs | 535.7143% | 510 |
| Earnings coverage of net charge-offs (x) | 19.5159% | 1,372 |
| Efficiency ratio | 61.7752% | 5,156 |
| Assets per employee ($millions) | 4.6224% | 2,772 |
| Cash dividends to net income (ytd only)* | 43.0257% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 1,575 |
| Loan loss allowance to noncurrent loans | 53.7565% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 3.8758% | 633 |
| Noncurrent loans to loans | 3.6656% | 773 |
| Net loans and leases to total assets | 75.9990% | 1,002 |
| Net loans and leases to deposits | 93.6850% | 820 |
| Net loans and leases to core deposits | 114.7766% | 439 |
| Total domestic deposits to total assets | 81.1219% | 5,201 |
| Equity capital to assets | 10.1537% | 3,663 |
| Core capital (leverage) ratio | 10.0420% | 3,507 |
| Tier 1 risk-based capital ratio | 12.1523% | 5,541 |
| Total risk-based capital ratio | 13.4096% | 5,463 |
| Memoranda: | ||
| Average total assets | $604,589,000 | 1,118 |
| Average earning assets | $556,779,000 | 1,106 |
| Average equity | $60,332,500 | 1,205 |
| Average total loans | $468,558,000 | 950 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 1,839 |
| Cost of funding earning assets | 0.6457% | 2,243 |
| Net interest margin | 3.9638% | 2,052 |
| Noninterest income to average assets | 0.6347% | 2,890 |
| Noninterest expense to average assets | 2.5220% | 4,699 |
| Loan and lease loss provision to assets | 0.5380% | 500 |
| Net operating income to assets | 0.9871% | 2,383 |
| Return on assets (ROA) | 1.0237% | 2,292 |
| Pretax return on assets | 1.2798% | 2,236 |
| Return on Equity (ROE) | 10.5345% | 1,913 |
| Retained earnings to average equity (ytd only) | 6.3098% | 1,798 |
| Net charge-offs to loans | 0.8039% | 782 |
| Credit loss provision to net charge-offs | 86.1840% | 2,870 |
| Earnings coverage of net charge-offs (x) | 2.8388% | 4,058 |
| Efficiency ratio | 58.7317% | 5,645 |
| Assets per employee ($millions) | 4.5734% | 2,774 |
| Cash dividends to net income (ytd only)* | 40.1035% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 1,966 |
| Loan loss allowance to noncurrent loans | 59.2707% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 3.3714% | 892 |
| Noncurrent loans to loans | 3.0901% | 1,114 |
| Net loans and leases to total assets | 76.0552% | 1,066 |
| Net loans and leases to deposits | 93.0508% | 955 |
| Net loans and leases to core deposits | 117.2405% | 389 |
| Total domestic deposits to total assets | 81.7351% | 4,956 |
| Equity capital to assets | 9.8066% | 4,031 |
| Core capital (leverage) ratio | 9.7863% | 3,861 |
| Tier 1 risk-based capital ratio | 11.8281% | 5,720 |
| Total risk-based capital ratio | 13.0838% | 5,651 |
| Memoranda: | ||
| Average total assets | $604,095,400 | 1,100 |
| Average earning assets | $557,693,600 | 1,088 |
| Average equity | $58,702,600 | 1,227 |
| Average total loans | $469,066,600 | 911 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 1,869 |
| Cost of funding earning assets | 0.6583% | 2,291 |
| Net interest margin | 3.9517% | 2,107 |
| Noninterest income to average assets | 0.6681% | 2,789 |
| Noninterest expense to average assets | 2.4990% | 4,725 |
| Loan and lease loss provision to assets | 0.5969% | 406 |
| Net operating income to assets | 0.9740% | 2,491 |
| Return on assets (ROA) | 1.0228% | 2,370 |
| Pretax return on assets | 1.2819% | 2,404 |
| Return on Equity (ROE) | 10.5495% | 1,983 |
| Retained earnings to average equity (ytd only) | 6.3078% | 2,229 |
| Net charge-offs to loans | 0.6494% | 940 |
| Credit loss provision to net charge-offs | 118.3173% | 1,985 |
| Earnings coverage of net charge-offs (x) | 3.6030% | 3,657 |
| Efficiency ratio | 57.8899% | 5,702 |
| Assets per employee ($millions) | 4.4186% | 3,019 |
| Cash dividends to net income (ytd only)* | 40.2075% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0621% | 1,585 |
| Loan loss allowance to noncurrent loans | 63.6811% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 3.5645% | 941 |
| Noncurrent loans to loans | 3.2382% | 1,214 |
| Net loans and leases to total assets | 75.0828% | 1,125 |
| Net loans and leases to deposits | 91.0253% | 1,063 |
| Net loans and leases to core deposits | 109.4210% | 598 |
| Total domestic deposits to total assets | 82.4857% | 4,767 |
| Equity capital to assets | 9.7362% | 4,258 |
| Core capital (leverage) ratio | 9.8573% | 3,882 |
| Tier 1 risk-based capital ratio | 11.6558% | 5,978 |
| Total risk-based capital ratio | 12.9139% | 5,930 |
| Memoranda: | ||
| Average total assets | $603,053,000 | 1,111 |
| Average earning assets | $556,804,500 | 1,099 |
| Average equity | $58,465,750 | 1,241 |
| Average total loans | $468,521,250 | 907 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 1,889 |
| Cost of funding earning assets | 0.6712% | 2,302 |
| Net interest margin | 3.9156% | 2,167 |
| Noninterest income to average assets | 0.7093% | 2,594 |
| Noninterest expense to average assets | 2.4443% | 4,917 |
| Loan and lease loss provision to assets | 0.6475% | 382 |
| Net operating income to assets | 0.9763% | 2,439 |
| Return on assets (ROA) | 1.0327% | 2,308 |
| Pretax return on assets | 1.3203% | 2,234 |
| Return on Equity (ROE) | 10.6674% | 1,940 |
| Retained earnings to average equity (ytd only) | 6.4142% | 2,194 |
| Net charge-offs to loans | 0.6140% | 1,080 |
| Credit loss provision to net charge-offs | 135.1351% | 1,674 |
| Earnings coverage of net charge-offs (x) | 3.9556% | 3,253 |
| Efficiency ratio | 56.3241% | 5,926 |
| Assets per employee ($millions) | 4.6369% | 2,597 |
| Cash dividends to net income (ytd only)* | 39.8714% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0852% | 1,664 |
| Loan loss allowance to noncurrent loans | 52.6893% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 3.6054% | 1,047 |
| Noncurrent loans to loans | 3.9576% | 989 |
| Net loans and leases to total assets | 75.2411% | 1,081 |
| Net loans and leases to deposits | 92.9348% | 886 |
| Net loans and leases to core deposits | 111.6234% | 495 |
| Total domestic deposits to total assets | 80.9611% | 5,349 |
| Equity capital to assets | 9.6974% | 4,317 |
| Core capital (leverage) ratio | 9.6038% | 4,071 |
| Tier 1 risk-based capital ratio | 11.6018% | 6,056 |
| Total risk-based capital ratio | 12.8602% | 6,002 |
| Memoranda: | ||
| Average total assets | $602,287,330 | 1,115 |
| Average earning assets | $558,429,000 | 1,095 |
| Average equity | $58,308,330 | 1,240 |
| Average total loans | $470,000,330 | 902 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6808% | 1,589 |
| Cost of funding earning assets | 0.6842% | 2,350 |
| Net interest margin | 3.9966% | 1,802 |
| Noninterest income to average assets | 0.7176% | 2,496 |
| Noninterest expense to average assets | 2.3959% | 5,137 |
| Loan and lease loss provision to assets | 0.7641% | 289 |
| Net operating income to assets | 0.9725% | 2,342 |
| Return on assets (ROA) | 1.0644% | 2,091 |
| Pretax return on assets | 1.3926% | 1,881 |
| Return on Equity (ROE) | 11.0037% | 1,706 |
| Retained earnings to average equity (ytd only) | 6.7451% | 2,284 |
| Net charge-offs to loans | 0.4267% | 1,390 |
| Credit loss provision to net charge-offs | 227.7228% | 996 |
| Earnings coverage of net charge-offs (x) | 6.0673% | 2,282 |
| Efficiency ratio | 54.0630% | 6,225 |
| Assets per employee ($millions) | 4.8078% | 2,473 |
| Cash dividends to net income (ytd only)* | 38.7016% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0805% | 1,843 |
| Loan loss allowance to noncurrent loans | 59.4154% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 3.3738% | 1,286 |
| Noncurrent loans to loans | 3.5016% | 1,368 |
| Net loans and leases to total assets | 76.7254% | 744 |
| Net loans and leases to deposits | 93.7558% | 684 |
| Net loans and leases to core deposits | 116.4108% | 338 |
| Total domestic deposits to total assets | 81.8354% | 5,255 |
| Equity capital to assets | 9.7513% | 4,498 |
| Core capital (leverage) ratio | 9.5134% | 4,059 |
| Tier 1 risk-based capital ratio | 11.3490% | 6,258 |
| Total risk-based capital ratio | 12.6103% | 6,227 |
| Memoranda: | ||
| Average total assets | $602,034,500 | 1,126 |
| Average earning assets | $559,473,500 | 1,103 |
| Average equity | $58,235,000 | 1,252 |
| Average total loans | $473,397,000 | 895 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 2,609 |
| Cost of funding earning assets | 0.7813% | 2,821 |
| Net interest margin | 3.9156% | 2,761 |
| Noninterest income to average assets | 0.6882% | 2,781 |
| Noninterest expense to average assets | 2.3519% | 5,558 |
| Loan and lease loss provision to assets | 0.5438% | 1,055 |
| Net operating income to assets | 1.0945% | 1,955 |
| Return on assets (ROA) | 1.1171% | 2,053 |
| Pretax return on assets | 1.4544% | 1,838 |
| Return on Equity (ROE) | 11.9952% | 1,514 |
| Retained earnings to average equity (ytd only) | 7.7908% | 1,197 |
| Net charge-offs to loans | 0.5197% | 2,165 |
| Credit loss provision to net charge-offs | 134.6313% | 2,075 |
| Earnings coverage of net charge-offs (x) | 4.8745% | 3,219 |
| Efficiency ratio | 54.4321% | 6,220 |
| Assets per employee ($millions) | 4.8636% | 2,400 |
| Cash dividends to net income (ytd only)* | 35.0509% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 2,221 |
| Loan loss allowance to noncurrent loans | 56.9650% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 3.0874% | 1,522 |
| Noncurrent loans to loans | 3.3760% | 1,495 |
| Net loans and leases to total assets | 77.3916% | 743 |
| Net loans and leases to deposits | 93.0065% | 827 |
| Net loans and leases to core deposits | 119.4016% | 292 |
| Total domestic deposits to total assets | 83.2110% | 4,635 |
| Equity capital to assets | 9.5951% | 4,759 |
| Core capital (leverage) ratio | 9.1427% | 4,672 |
| Tier 1 risk-based capital ratio | 11.1384% | 6,297 |
| Total risk-based capital ratio | 12.3972% | 6,262 |
| Memoranda: | ||
| Average total assets | $597,641,400 | 1,112 |
| Average earning assets | $554,453,600 | 1,095 |
| Average equity | $55,655,400 | 1,282 |
| Average total loans | $464,485,000 | 886 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 2,777 |
| Cost of funding earning assets | 0.7983% | 2,959 |
| Net interest margin | 3.9099% | 2,881 |
| Noninterest income to average assets | 0.6493% | 2,999 |
| Noninterest expense to average assets | 2.3693% | 5,489 |
| Loan and lease loss provision to assets | 0.4472% | 1,406 |
| Net operating income to assets | 1.1100% | 2,050 |
| Return on assets (ROA) | 1.1285% | 2,188 |
| Pretax return on assets | 1.4834% | 1,939 |
| Return on Equity (ROE) | 12.2121% | 1,561 |
| Retained earnings to average equity (ytd only) | 8.0381% | 1,605 |
| Net charge-offs to loans | 0.6634% | 1,653 |
| Credit loss provision to net charge-offs | 87.0701% | 3,392 |
| Earnings coverage of net charge-offs (x) | 3.7114% | 3,543 |
| Efficiency ratio | 55.4155% | 6,115 |
| Assets per employee ($millions) | 4.8281% | 2,403 |
| Cash dividends to net income (ytd only)* | 34.1787% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 3,218 |
| Loan loss allowance to noncurrent loans | 72.0420% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 2.3214% | 2,289 |
| Noncurrent loans to loans | 2.3301% | 2,471 |
| Net loans and leases to total assets | 76.5994% | 883 |
| Net loans and leases to deposits | 92.3663% | 934 |
| Net loans and leases to core deposits | 112.7004% | 475 |
| Total domestic deposits to total assets | 82.9300% | 4,667 |
| Equity capital to assets | 9.3040% | 5,462 |
| Core capital (leverage) ratio | 9.1501% | 4,831 |
| Tier 1 risk-based capital ratio | 10.7541% | 6,587 |
| Total risk-based capital ratio | 12.0100% | 6,563 |
| Memoranda: | ||
| Average total assets | $596,279,000 | 1,125 |
| Average earning assets | $553,009,000 | 1,108 |
| Average equity | $55,102,500 | 1,301 |
| Average total loans | $461,632,750 | 894 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 2,992 |
| Cost of funding earning assets | 0.8222% | 3,010 |
| Net interest margin | 3.8610% | 3,087 |
| Noninterest income to average assets | 0.6671% | 2,851 |
| Noninterest expense to average assets | 2.3784% | 5,532 |
| Loan and lease loss provision to assets | 0.4571% | 1,394 |
| Net operating income to assets | 1.0870% | 2,092 |
| Return on assets (ROA) | 1.1154% | 2,206 |
| Pretax return on assets | 1.4509% | 2,005 |
| Return on Equity (ROE) | 12.0984% | 1,637 |
| Retained earnings to average equity (ytd only) | 7.8746% | 1,685 |
| Net charge-offs to loans | 0.2288% | 3,204 |
| Credit loss provision to net charge-offs | 258.6207% | 1,111 |
| Earnings coverage of net charge-offs (x) | 10.5862% | 2,036 |
| Efficiency ratio | 55.9681% | 6,118 |
| Assets per employee ($millions) | 4.7136% | 2,551 |
| Cash dividends to net income (ytd only)* | 34.9120% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 2,328 |
| Loan loss allowance to noncurrent loans | 59.3419% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 3.0710% | 1,786 |
| Noncurrent loans to loans | 3.3101% | 1,761 |
| Net loans and leases to total assets | 75.0544% | 1,093 |
| Net loans and leases to deposits | 91.3682% | 1,015 |
| Net loans and leases to core deposits | 109.4311% | 595 |
| Total domestic deposits to total assets | 82.1450% | 5,075 |
| Equity capital to assets | 9.1524% | 5,517 |
| Core capital (leverage) ratio | 9.0078% | 4,904 |
| Tier 1 risk-based capital ratio | 10.6404% | 6,646 |
| Total risk-based capital ratio | 11.8986% | 6,630 |
| Memoranda: | ||
| Average total assets | $590,650,330 | 1,133 |
| Average earning assets | $548,040,330 | 1,113 |
| Average equity | $54,453,670 | 1,306 |
| Average total loans | $456,277,000 | 904 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6915% | 3,084 |
| Cost of funding earning assets | 0.8429% | 3,122 |
| Net interest margin | 3.8486% | 3,142 |
| Noninterest income to average assets | 0.6159% | 3,130 |
| Noninterest expense to average assets | 2.3885% | 5,510 |
| Loan and lease loss provision to assets | 0.4468% | 1,390 |
| Net operating income to assets | 1.0504% | 2,286 |
| Return on assets (ROA) | 1.0874% | 2,330 |
| Pretax return on assets | 1.3994% | 2,190 |
| Return on Equity (ROE) | 11.7501% | 1,752 |
| Retained earnings to average equity (ytd only) | 7.4793% | 2,183 |
| Net charge-offs to loans | 0.1311% | 3,319 |
| Credit loss provision to net charge-offs | 439.1892% | 733 |
| Earnings coverage of net charge-offs (x) | 17.6824% | 1,297 |
| Efficiency ratio | 57.0420% | 6,030 |
| Assets per employee ($millions) | 4.6972% | 2,667 |
| Cash dividends to net income (ytd only)* | 36.3464% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9335% | 2,576 |
| Loan loss allowance to noncurrent loans | 53.9096% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 3.2799% | 1,759 |
| Noncurrent loans to loans | 3.5865% | 1,734 |
| Net loans and leases to total assets | 76.7863% | 720 |
| Net loans and leases to deposits | 93.7871% | 682 |
| Net loans and leases to core deposits | 114.6358% | 410 |
| Total domestic deposits to total assets | 81.8730% | 5,337 |
| Equity capital to assets | 9.3267% | 5,057 |
| Core capital (leverage) ratio | 9.1626% | 4,585 |
| Tier 1 risk-based capital ratio | 10.9250% | 6,570 |
| Total risk-based capital ratio | 12.1845% | 6,555 |
| Memoranda: | ||
| Average total assets | $581,951,500 | 1,158 |
| Average earning assets | $540,041,500 | 1,129 |
| Average equity | $53,855,000 | 1,312 |
| Average total loans | $451,660,000 | 914 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8268% | 3,680 |
| Cost of funding earning assets | 0.9983% | 3,396 |
| Net interest margin | 3.8285% | 3,683 |
| Noninterest income to average assets | 0.5713% | 3,356 |
| Noninterest expense to average assets | 2.3688% | 5,854 |
| Loan and lease loss provision to assets | 0.5142% | 2,048 |
| Net operating income to assets | 0.9668% | 2,335 |
| Return on assets (ROA) | 0.9733% | 2,442 |
| Pretax return on assets | 1.2304% | 2,351 |
| Return on Equity (ROE) | 10.6065% | 1,840 |
| Retained earnings to average equity (ytd only) | 6.1238% | 1,947 |
| Net charge-offs to loans | 0.5295% | 2,883 |
| Credit loss provision to net charge-offs | 125.0000% | 2,500 |
| Earnings coverage of net charge-offs (x) | 4.2209% | 3,213 |
| Efficiency ratio | 57.7030% | 6,088 |
| Assets per employee ($millions) | 4.6891% | 2,619 |
| Cash dividends to net income (ytd only)* | 42.2639% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 2,678 |
| Loan loss allowance to noncurrent loans | 59.1213% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 3.0154% | 1,997 |
| Noncurrent loans to loans | 3.1450% | 2,058 |
| Net loans and leases to total assets | 75.4909% | 1,024 |
| Net loans and leases to deposits | 90.4264% | 1,107 |
| Net loans and leases to core deposits | 113.2366% | 532 |
| Total domestic deposits to total assets | 83.4832% | 4,547 |
| Equity capital to assets | 9.1816% | 5,318 |
| Core capital (leverage) ratio | 8.9274% | 4,895 |
| Tier 1 risk-based capital ratio | 10.7094% | 6,597 |
| Total risk-based capital ratio | 11.9669% | 6,570 |
| Memoranda: | ||
| Average total assets | $559,105,200 | 1,179 |
| Average earning assets | $516,078,400 | 1,163 |
| Average equity | $51,308,400 | 1,337 |
| Average total loans | $434,361,000 | 962 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 3,839 |
| Cost of funding earning assets | 1.0322% | 3,448 |
| Net interest margin | 3.8062% | 3,842 |
| Noninterest income to average assets | 0.6954% | 2,634 |
| Noninterest expense to average assets | 2.4463% | 5,641 |
| Loan and lease loss provision to assets | 0.4818% | 2,060 |
| Net operating income to assets | 1.0073% | 2,292 |
| Return on assets (ROA) | 1.0107% | 2,437 |
| Pretax return on assets | 1.2800% | 2,361 |
| Return on Equity (ROE) | 11.0152% | 1,855 |
| Retained earnings to average equity (ytd only) | 6.4868% | 2,247 |
| Net charge-offs to loans | 0.4011% | 3,114 |
| Credit loss provision to net charge-offs | 154.2020% | 2,014 |
| Earnings coverage of net charge-offs (x) | 5.6253% | 2,734 |
| Efficiency ratio | 58.1939% | 5,977 |
| Assets per employee ($millions) | 4.5563% | 2,831 |
| Cash dividends to net income (ytd only)* | 41.1105% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9023% | 2,603 |
| Loan loss allowance to noncurrent loans | 55.1175% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 3.4260% | 1,842 |
| Noncurrent loans to loans | 3.4514% | 1,989 |
| Net loans and leases to total assets | 76.4550% | 917 |
| Net loans and leases to deposits | 92.6834% | 946 |
| Net loans and leases to core deposits | 109.2808% | 709 |
| Total domestic deposits to total assets | 82.4904% | 4,885 |
| Equity capital to assets | 9.2563% | 5,440 |
| Core capital (leverage) ratio | 9.1621% | 4,689 |
| Tier 1 risk-based capital ratio | 10.7295% | 6,697 |
| Total risk-based capital ratio | 11.9864% | 6,674 |
| Memoranda: | ||
| Average total assets | $553,520,250 | 1,201 |
| Average earning assets | $510,206,250 | 1,185 |
| Average equity | $50,789,000 | 1,348 |
| Average total loans | $431,137,750 | 981 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8208% | 4,001 |
| Cost of funding earning assets | 1.0677% | 3,492 |
| Net interest margin | 3.7531% | 4,016 |
| Noninterest income to average assets | 0.7103% | 2,496 |
| Noninterest expense to average assets | 2.5108% | 5,488 |
| Loan and lease loss provision to assets | 0.2554% | 3,357 |
| Net operating income to assets | 1.0938% | 1,890 |
| Return on assets (ROA) | 1.0953% | 1,972 |
| Pretax return on assets | 1.4072% | 1,779 |
| Return on Equity (ROE) | 11.9730% | 1,501 |
| Retained earnings to average equity (ytd only) | 7.3864% | 1,699 |
| Net charge-offs to loans | 0.5144% | 2,557 |
| Credit loss provision to net charge-offs | 63.7523% | 4,245 |
| Earnings coverage of net charge-offs (x) | 4.1457% | 2,949 |
| Efficiency ratio | 60.1889% | 5,844 |
| Assets per employee ($millions) | 4.4800% | 2,879 |
| Cash dividends to net income (ytd only)* | 38.3078% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 3,336 |
| Loan loss allowance to noncurrent loans | 42.6151% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 3.8256% | 1,693 |
| Noncurrent loans to loans | 3.9791% | 1,745 |
| Net loans and leases to total assets | 76.0183% | 1,068 |
| Net loans and leases to deposits | 94.0150% | 870 |
| Net loans and leases to core deposits | 104.9443% | 988 |
| Total domestic deposits to total assets | 80.8577% | 5,579 |
| Equity capital to assets | 9.2083% | 5,269 |
| Core capital (leverage) ratio | 9.2188% | 4,375 |
| Tier 1 risk-based capital ratio | 10.8109% | 6,651 |
| Total risk-based capital ratio | 12.0696% | 6,618 |
| Memoranda: | ||
| Average total assets | $548,182,330 | 1,222 |
| Average earning assets | $505,555,000 | 1,207 |
| Average equity | $50,146,000 | 1,340 |
| Average total loans | $426,890,000 | 1,008 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8201% | 3,961 |
| Cost of funding earning assets | 1.1026% | 3,499 |
| Net interest margin | 3.7175% | 4,006 |
| Noninterest income to average assets | 0.6971% | 2,597 |
| Noninterest expense to average assets | 2.6304% | 5,113 |
| Loan and lease loss provision to assets | 0.3135% | 2,665 |
| Net operating income to assets | 0.9510% | 2,352 |
| Return on assets (ROA) | 0.9515% | 2,414 |
| Pretax return on assets | 1.1883% | 2,423 |
| Return on Equity (ROE) | 10.4377% | 1,939 |
| Retained earnings to average equity (ytd only) | 5.7853% | 2,761 |
| Net charge-offs to loans | 0.9919% | 1,364 |
| Credit loss provision to net charge-offs | 40.4377% | 3,939 |
| Earnings coverage of net charge-offs (x) | 1.9363% | 3,342 |
| Efficiency ratio | 63.6672% | 5,414 |
| Assets per employee ($millions) | 4.3426% | 3,151 |
| Cash dividends to net income (ytd only)* | 44.5736% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 3,399 |
| Loan loss allowance to noncurrent loans | 53.3079% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 3.1947% | 2,157 |
| Noncurrent loans to loans | 3.1586% | 2,381 |
| Net loans and leases to total assets | 76.5333% | 958 |
| Net loans and leases to deposits | 91.9682% | 1,024 |
| Net loans and leases to core deposits | 107.2304% | 882 |
| Total domestic deposits to total assets | 83.2172% | 4,843 |
| Equity capital to assets | 9.1828% | 4,896 |
| Core capital (leverage) ratio | 9.1051% | 4,441 |
| Tier 1 risk-based capital ratio | 10.7413% | 6,672 |
| Total risk-based capital ratio | 11.9993% | 6,649 |
| Memoranda: | ||
| Average total assets | $542,276,500 | 1,241 |
| Average earning assets | $500,984,500 | 1,228 |
| Average equity | $49,436,000 | 1,351 |
| Average total loans | $423,814,500 | 1,026 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 5,195 |
| Cost of funding earning assets | 1.4428% | 3,002 |
| Net interest margin | 3.4187% | 5,559 |
| Noninterest income to average assets | 0.7470% | 2,556 |
| Noninterest expense to average assets | 2.3298% | 6,272 |
| Loan and lease loss provision to assets | 0.3203% | 4,251 |
| Net operating income to assets | 0.9589% | 2,168 |
| Return on assets (ROA) | 0.9622% | 2,278 |
| Pretax return on assets | 1.2755% | 1,998 |
| Return on Equity (ROE) | 11.1255% | 1,549 |
| Retained earnings to average equity (ytd only) | 7.9517% | 990 |
| Net charge-offs to loans | 0.0632% | 6,160 |
| Credit loss provision to net charge-offs | 667.9389% | 314 |
| Earnings coverage of net charge-offs (x) | 33.1908% | 674 |
| Efficiency ratio | 59.4157% | 6,133 |
| Assets per employee ($millions) | 4.3687% | 3,085 |
| Cash dividends to net income (ytd only)* | 28.5280% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 2,797 |
| Loan loss allowance to noncurrent loans | 43.5769% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 3.4564% | 2,015 |
| Noncurrent loans to loans | 4.1791% | 1,733 |
| Net loans and leases to total assets | 77.0370% | 1,089 |
| Net loans and leases to deposits | 91.5566% | 1,313 |
| Net loans and leases to core deposits | 111.0151% | 869 |
| Total domestic deposits to total assets | 84.1414% | 4,303 |
| Equity capital to assets | 9.0498% | 5,072 |
| Core capital (leverage) ratio | 8.8818% | 4,724 |
| Tier 1 risk-based capital ratio | 10.6085% | 6,632 |
| Total risk-based capital ratio | 11.8725% | 6,591 |
| Memoranda: | ||
| Average total assets | $546,447,400 | 1,225 |
| Average earning assets | $507,355,000 | 1,211 |
| Average equity | $47,260,600 | 1,416 |
| Average total loans | $414,567,800 | 1,078 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 5,592 |
| Cost of funding earning assets | 1.5239% | 2,813 |
| Net interest margin | 3.2920% | 6,041 |
| Noninterest income to average assets | 0.7428% | 2,564 |
| Noninterest expense to average assets | 2.3390% | 6,206 |
| Loan and lease loss provision to assets | 0.2678% | 4,440 |
| Net operating income to assets | 0.8783% | 2,705 |
| Return on assets (ROA) | 0.8826% | 2,826 |
| Pretax return on assets | 1.2008% | 2,483 |
| Return on Equity (ROE) | 10.3231% | 1,996 |
| Retained earnings to average equity (ytd only) | 7.4753% | 1,607 |
| Net charge-offs to loans | 0.0651% | 5,866 |
| Credit loss provision to net charge-offs | 547.2637% | 525 |
| Earnings coverage of net charge-offs (x) | 29.8909% | 881 |
| Efficiency ratio | 61.5242% | 5,694 |
| Assets per employee ($millions) | 4.4522% | 2,978 |
| Cash dividends to net income (ytd only)* | 27.5862% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6936% | 3,170 |
| Loan loss allowance to noncurrent loans | 66.0083% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 2.1814% | 3,230 |
| Noncurrent loans to loans | 2.5657% | 3,059 |
| Net loans and leases to total assets | 75.8093% | 1,445 |
| Net loans and leases to deposits | 89.9790% | 1,720 |
| Net loans and leases to core deposits | 100.4980% | 1,802 |
| Total domestic deposits to total assets | 84.2522% | 3,982 |
| Equity capital to assets | 8.8863% | 5,724 |
| Core capital (leverage) ratio | 8.7731% | 5,056 |
| Tier 1 risk-based capital ratio | 10.3691% | 6,847 |
| Total risk-based capital ratio | 11.6265% | 6,844 |
| Memoranda: | ||
| Average total assets | $547,628,250 | 1,235 |
| Average earning assets | $508,856,250 | 1,221 |
| Average equity | $46,819,500 | 1,443 |
| Average total loans | $411,942,500 | 1,102 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 5,890 |
| Cost of funding earning assets | 1.6022% | 2,641 |
| Net interest margin | 3.1698% | 6,405 |
| Noninterest income to average assets | 0.7509% | 2,386 |
| Noninterest expense to average assets | 2.3271% | 6,282 |
| Loan and lease loss provision to assets | 0.2118% | 4,765 |
| Net operating income to assets | 0.8553% | 2,708 |
| Return on assets (ROA) | 0.8553% | 2,853 |
| Pretax return on assets | 1.1592% | 2,550 |
| Return on Equity (ROE) | 10.1374% | 2,054 |
| Retained earnings to average equity (ytd only) | 5.8089% | 2,440 |
| Net charge-offs to loans | 0.0969% | 5,175 |
| Credit loss provision to net charge-offs | 292.9293% | 1,269 |
| Earnings coverage of net charge-offs (x) | 18.9596% | 1,268 |
| Efficiency ratio | 62.9271% | 5,535 |
| Assets per employee ($millions) | 4.5515% | 2,787 |
| Cash dividends to net income (ytd only)* | 42.6985% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 3,339 |
| Loan loss allowance to noncurrent loans | 43.3235% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 2.9341% | 2,451 |
| Noncurrent loans to loans | 3.7556% | 2,071 |
| Net loans and leases to total assets | 71.6562% | 2,499 |
| Net loans and leases to deposits | 86.3546% | 2,458 |
| Net loans and leases to core deposits | 94.6071% | 2,634 |
| Total domestic deposits to total assets | 82.9790% | 4,585 |
| Equity capital to assets | 8.4136% | 6,280 |
| Core capital (leverage) ratio | 8.3011% | 5,770 |
| Tier 1 risk-based capital ratio | 10.0436% | 6,998 |
| Total risk-based capital ratio | 11.2975% | 6,978 |
| Memoranda: | ||
| Average total assets | $547,631,330 | 1,241 |
| Average earning assets | $509,185,330 | 1,219 |
| Average equity | $46,205,000 | 1,456 |
| Average total loans | $408,490,670 | 1,126 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 5,904 |
| Cost of funding earning assets | 1.6490% | 2,658 |
| Net interest margin | 3.1464% | 6,467 |
| Noninterest income to average assets | 0.7047% | 2,566 |
| Noninterest expense to average assets | 2.3386% | 6,285 |
| Loan and lease loss provision to assets | 0.1847% | 4,659 |
| Net operating income to assets | 0.8258% | 2,857 |
| Return on assets (ROA) | 0.8258% | 2,951 |
| Pretax return on assets | 1.1102% | 2,700 |
| Return on Equity (ROE) | 9.7735% | 2,178 |
| Retained earnings to average equity (ytd only) | 5.4025% | 2,933 |
| Net charge-offs to loans | 0.0352% | 5,088 |
| Credit loss provision to net charge-offs | 694.4444% | 642 |
| Earnings coverage of net charge-offs (x) | 48.6944% | 589 |
| Efficiency ratio | 64.3627% | 5,420 |
| Assets per employee ($millions) | 4.4225% | 3,088 |
| Cash dividends to net income (ytd only)* | 44.7227% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 3,513 |
| Loan loss allowance to noncurrent loans | 72.3135% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.8118% | 3,769 |
| Noncurrent loans to loans | 2.1937% | 3,535 |
| Net loans and leases to total assets | 72.5753% | 2,307 |
| Net loans and leases to deposits | 87.3612% | 2,341 |
| Net loans and leases to core deposits | 98.5297% | 2,291 |
| Total domestic deposits to total assets | 83.0750% | 4,585 |
| Equity capital to assets | 8.3454% | 6,235 |
| Core capital (leverage) ratio | 8.4171% | 5,531 |
| Tier 1 risk-based capital ratio | 9.9491% | 7,062 |
| Total risk-based capital ratio | 11.2042% | 7,047 |
| Memoranda: | ||
| Average total assets | $541,530,500 | 1,292 |
| Average earning assets | $504,072,000 | 1,263 |
| Average equity | $45,756,500 | 1,471 |
| Average total loans | $408,841,000 | 1,152 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3319% | 5,019 |
| Cost of funding earning assets | 1.9037% | 3,448 |
| Net interest margin | 3.4282% | 5,258 |
| Noninterest income to average assets | 0.8013% | 2,400 |
| Noninterest expense to average assets | 2.4706% | 6,237 |
| Loan and lease loss provision to assets | 0.2621% | 5,306 |
| Net operating income to assets | 0.9188% | 2,108 |
| Return on assets (ROA) | 0.9017% | 2,239 |
| Pretax return on assets | 1.2225% | 1,899 |
| Return on Equity (ROE) | 10.3240% | 1,602 |
| Retained earnings to average equity (ytd only) | 8.4771% | 591 |
| Net charge-offs to loans | 0.1170% | 5,999 |
| Credit loss provision to net charge-offs | 280.7775% | 1,209 |
| Earnings coverage of net charge-offs (x) | 16.1512% | 1,268 |
| Efficiency ratio | 62.1002% | 6,135 |
| Assets per employee ($millions) | 4.2420% | 3,357 |
| Cash dividends to net income (ytd only)* | 17.8891% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 3,598 |
| Loan loss allowance to noncurrent loans | 64.6372% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.8978% | 3,535 |
| Noncurrent loans to loans | 2.3594% | 3,215 |
| Net loans and leases to total assets | 76.1447% | 1,753 |
| Net loans and leases to deposits | 90.8385% | 2,077 |
| Net loans and leases to core deposits | 130.7260% | 1,243 |
| Total domestic deposits to total assets | 83.8243% | 4,116 |
| Equity capital to assets | 8.5580% | 5,798 |
| Core capital (leverage) ratio | 8.5133% | 5,260 |
| Tier 1 risk-based capital ratio | 10.0757% | 6,809 |
| Total risk-based capital ratio | 11.3277% | 6,771 |
| Memoranda: | ||
| Average total assets | $495,959,200 | 1,391 |
| Average earning assets | $459,629,000 | 1,368 |
| Average equity | $43,316,600 | 1,546 |
| Average total loans | $395,625,200 | 1,215 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4452% | 4,708 |
| Cost of funding earning assets | 1.9529% | 3,607 |
| Net interest margin | 3.4924% | 4,893 |
| Noninterest income to average assets | 0.7892% | 2,492 |
| Noninterest expense to average assets | 2.5526% | 5,887 |
| Loan and lease loss provision to assets | 0.2462% | 4,985 |
| Net operating income to assets | 0.9031% | 2,412 |
| Return on assets (ROA) | 0.8986% | 2,498 |
| Pretax return on assets | 1.2157% | 2,214 |
| Return on Equity (ROE) | 10.2331% | 1,837 |
| Retained earnings to average equity (ytd only) | 9.2986% | 768 |
| Net charge-offs to loans | 0.0789% | 5,888 |
| Credit loss provision to net charge-offs | 387.9310% | 1,043 |
| Earnings coverage of net charge-offs (x) | 23.1290% | 1,134 |
| Efficiency ratio | 63.4891% | 5,844 |
| Assets per employee ($millions) | 4.1440% | 3,476 |
| Cash dividends to net income (ytd only)* | 9.1324% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 3,472 |
| Loan loss allowance to noncurrent loans | 63.3288% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 2.0136% | 3,325 |
| Noncurrent loans to loans | 2.3625% | 3,192 |
| Net loans and leases to total assets | 77.9523% | 1,584 |
| Net loans and leases to deposits | 94.6864% | 1,770 |
| Net loans and leases to core deposits | 125.4926% | 1,774 |
| Total domestic deposits to total assets | 82.3269% | 4,530 |
| Equity capital to assets | 8.7308% | 5,908 |
| Core capital (leverage) ratio | 8.9552% | 4,716 |
| Tier 1 risk-based capital ratio | 9.9708% | 7,010 |
| Total risk-based capital ratio | 11.2224% | 6,963 |
| Memoranda: | ||
| Average total assets | $487,386,000 | 1,430 |
| Average earning assets | $450,952,750 | 1,419 |
| Average equity | $42,801,000 | 1,582 |
| Average total loans | $392,028,500 | 1,241 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5551% | 4,314 |
| Cost of funding earning assets | 1.9865% | 3,841 |
| Net interest margin | 3.5686% | 4,502 |
| Noninterest income to average assets | 0.8166% | 2,330 |
| Noninterest expense to average assets | 2.6208% | 5,655 |
| Loan and lease loss provision to assets | 0.2675% | 4,445 |
| Net operating income to assets | 0.9161% | 2,389 |
| Return on assets (ROA) | 0.9161% | 2,487 |
| Pretax return on assets | 1.2295% | 2,217 |
| Return on Equity (ROE) | 10.4100% | 1,882 |
| Retained earnings to average equity (ytd only) | 8.9853% | 948 |
| Net charge-offs to loans | 0.0796% | 5,412 |
| Credit loss provision to net charge-offs | 415.5844% | 1,117 |
| Earnings coverage of net charge-offs (x) | 23.2597% | 1,190 |
| Efficiency ratio | 63.6456% | 5,972 |
| Assets per employee ($millions) | 4.0318% | 3,619 |
| Cash dividends to net income (ytd only)* | 13.6861% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 3,170 |
| Loan loss allowance to noncurrent loans | 57.8344% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 2.4803% | 2,605 |
| Noncurrent loans to loans | 2.6007% | 2,789 |
| Net loans and leases to total assets | 78.5758% | 1,623 |
| Net loans and leases to deposits | 97.5212% | 1,599 |
| Net loans and leases to core deposits | 125.6446% | 1,904 |
| Total domestic deposits to total assets | 80.5731% | 5,240 |
| Equity capital to assets | 8.7831% | 5,620 |
| Core capital (leverage) ratio | 8.9890% | 4,647 |
| Tier 1 risk-based capital ratio | 10.0064% | 6,913 |
| Total risk-based capital ratio | 11.2579% | 6,844 |
| Memoranda: | ||
| Average total assets | $478,561,670 | 1,485 |
| Average earning assets | $442,690,670 | 1,459 |
| Average equity | $42,113,330 | 1,614 |
| Average total loans | $387,155,000 | 1,278 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6321% | 4,162 |
| Cost of funding earning assets | 1.9974% | 4,144 |
| Net interest margin | 3.6347% | 4,171 |
| Noninterest income to average assets | 0.7815% | 2,424 |
| Noninterest expense to average assets | 2.5666% | 5,585 |
| Loan and lease loss provision to assets | 0.3119% | 3,473 |
| Net operating income to assets | 0.9349% | 2,569 |
| Return on assets (ROA) | 0.9349% | 2,698 |
| Pretax return on assets | 1.2731% | 2,364 |
| Return on Equity (ROE) | 10.6137% | 2,095 |
| Retained earnings to average equity (ytd only) | 7.7269% | 1,914 |
| Net charge-offs to loans | 0.0676% | 4,523 |
| Credit loss provision to net charge-offs | 566.1538% | 994 |
| Earnings coverage of net charge-offs (x) | 28.7692% | 1,095 |
| Efficiency ratio | 61.8212% | 6,090 |
| Assets per employee ($millions) | 3.8356% | 4,012 |
| Cash dividends to net income (ytd only)* | 27.1985% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 3,134 |
| Loan loss allowance to noncurrent loans | 57.4485% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.5245% | 2,272 |
| Noncurrent loans to loans | 2.5600% | 2,574 |
| Net loans and leases to total assets | 81.2122% | 1,151 |
| Net loans and leases to deposits | 100.5464% | 1,335 |
| Net loans and leases to core deposits | 132.5355% | 1,501 |
| Total domestic deposits to total assets | 80.7709% | 5,056 |
| Equity capital to assets | 8.8925% | 5,490 |
| Core capital (leverage) ratio | 8.9481% | 4,799 |
| Tier 1 risk-based capital ratio | 10.0362% | 6,877 |
| Total risk-based capital ratio | 11.2877% | 6,792 |
| Memoranda: | ||
| Average total assets | $471,905,500 | 1,518 |
| Average earning assets | $437,561,000 | 1,483 |
| Average equity | $41,569,000 | 1,638 |
| Average total loans | $384,534,500 | 1,296 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7044% | 2,010 |
| Cost of funding earning assets | 2.5395% | 4,004 |
| Net interest margin | 4.1649% | 2,452 |
| Noninterest income to average assets | 0.8359% | 2,320 |
| Noninterest expense to average assets | 2.4558% | 6,182 |
| Loan and lease loss provision to assets | 0.2109% | 4,786 |
| Net operating income to assets | 1.4345% | 1,159 |
| Return on assets (ROA) | 1.4345% | 1,114 |
| Pretax return on assets | 2.0526% | 533 |
| Return on Equity (ROE) | 16.5520% | 693 |
| Retained earnings to average equity (ytd only) | 9.9553% | 456 |
| Net charge-offs to loans | 0.2572% | 3,700 |
| Credit loss provision to net charge-offs | 102.5918% | 5,194 |
| Earnings coverage of net charge-offs (x) | 11.0097% | 2,427 |
| Efficiency ratio | 52.0371% | 7,484 |
| Assets per employee ($millions) | 3.9011% | 3,728 |
| Cash dividends to net income (ytd only)* | 39.8545% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 3,056 |
| Loan loss allowance to noncurrent loans | 86.6144% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.7776% | 2,756 |
| Noncurrent loans to loans | 1.6446% | 3,304 |
| Net loans and leases to total assets | 79.3997% | 1,802 |
| Net loans and leases to deposits | 97.4136% | 2,215 |
| Net loans and leases to core deposits | 127.7977% | 2,021 |
| Total domestic deposits to total assets | 81.5078% | 4,403 |
| Equity capital to assets | 8.7251% | 5,772 |
| Core capital (leverage) ratio | 8.6829% | 5,226 |
| Tier 1 risk-based capital ratio | 9.8639% | 6,885 |
| Total risk-based capital ratio | 11.1146% | 6,769 |
| Memoranda: | ||
| Average total assets | $450,406,600 | 1,521 |
| Average earning assets | $419,965,800 | 1,484 |
| Average equity | $39,034,600 | 1,729 |
| Average total loans | $360,000,000 | 1,346 |