Home > The First National Bank of Fort Smith > Performance and Condition Ratios
The First National Bank of Fort Smith, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8138% | 1,536 |
| Cost of funding earning assets | 1.7053% | 2,945 |
| Net interest margin | 4.1084% | 1,002 |
| Noninterest income to average assets | 1.1100% | 506 |
| Noninterest expense to average assets | 2.5408% | 2,118 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.7249% | 659 |
| Return on assets (ROA) | 1.7249% | 660 |
| Pretax return on assets | 2.2450% | 458 |
| Return on Equity (ROE) | 14.0600% | 1,130 |
| Retained earnings to average equity (ytd only) | 7.4751% | 1,570 |
| Net charge-offs to loans | 0.0076% | 2,382 |
| Credit loss provision to net charge-offs | 588.2353% | 570 |
| Earnings coverage of net charge-offs (x) | 430.9647% | 278 |
| Efficiency ratio | 52.4237% | 3,839 |
| Assets per employee ($millions) | 5.6975% | 3,117 |
| Cash dividends to net income (ytd only)* | 46.8266% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 2,260 |
| Loan loss allowance to noncurrent loans | 499.3643% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 2,627 |
| Noncurrent loans to loans | 0.2384% | 2,579 |
| Net loans and leases to total assets | 69.6200% | 1,900 |
| Net loans and leases to deposits | 81.0660% | 2,079 |
| Net loans and leases to core deposits | 85.5561% | 2,448 |
| Total domestic deposits to total assets | 85.8800% | 1,971 |
| Equity capital to assets | 12.7261% | 1,043 |
| Core capital (leverage) ratio | 11.7411% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $2,145,899,000 | 546 |
| Average earning assets | $1,937,083,250 | 547 |
| Average equity | $263,302,500 | 454 |
| Average total loans | $1,482,538,000 | 540 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7452% | 1,537 |
| Cost of funding earning assets | 1.6751% | 2,917 |
| Net interest margin | 4.0701% | 1,036 |
| Noninterest income to average assets | 1.0500% | 541 |
| Noninterest expense to average assets | 2.4715% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.7326% | 645 |
| Return on assets (ROA) | 1.7326% | 646 |
| Pretax return on assets | 2.2565% | 446 |
| Return on Equity (ROE) | 14.3000% | 1,111 |
| Retained earnings to average equity (ytd only) | 4.2878% | 2,607 |
| Net charge-offs to loans | 0.0079% | 2,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 416.9310% | 293 |
| Efficiency ratio | 51.9421% | 3,902 |
| Assets per employee ($millions) | 5.5728% | 3,155 |
| Cash dividends to net income (ytd only)* | 70.0129% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 2,391 |
| Loan loss allowance to noncurrent loans | 423.0344% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 2,436 |
| Noncurrent loans to loans | 0.2769% | 2,380 |
| Net loans and leases to total assets | 69.1900% | 1,998 |
| Net loans and leases to deposits | 80.0789% | 2,205 |
| Net loans and leases to core deposits | 84.2973% | 2,508 |
| Total domestic deposits to total assets | 86.4000% | 1,857 |
| Equity capital to assets | 12.2170% | 1,100 |
| Core capital (leverage) ratio | 11.3429% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $2,143,314,667 | 553 |
| Average earning assets | $1,937,073,667 | 545 |
| Average equity | $259,711,667 | 455 |
| Average total loans | $1,470,885,000 | 547 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7044% | 1,469 |
| Cost of funding earning assets | 1.6781% | 2,802 |
| Net interest margin | 4.0263% | 1,054 |
| Noninterest income to average assets | 1.0200% | 537 |
| Noninterest expense to average assets | 2.4597% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.6820% | 682 |
| Return on assets (ROA) | 1.6820% | 689 |
| Pretax return on assets | 2.1947% | 478 |
| Return on Equity (ROE) | 13.9400% | 1,158 |
| Retained earnings to average equity (ytd only) | 7.7491% | 1,626 |
| Net charge-offs to loans | 0.0157% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 206.2105% | 409 |
| Efficiency ratio | 52.5093% | 3,865 |
| Assets per employee ($millions) | 5.6306% | 3,142 |
| Cash dividends to net income (ytd only)* | 44.4050% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,274 |
| Loan loss allowance to noncurrent loans | 761.0294% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 2,910 |
| Noncurrent loans to loans | 0.1580% | 2,827 |
| Net loans and leases to total assets | 67.5700% | 2,061 |
| Net loans and leases to deposits | 78.2635% | 2,216 |
| Net loans and leases to core deposits | 82.4189% | 2,540 |
| Total domestic deposits to total assets | 86.3400% | 1,983 |
| Equity capital to assets | 12.1992% | 1,070 |
| Core capital (leverage) ratio | 11.2307% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,142,216,500 | 563 |
| Average earning assets | $1,934,573,500 | 555 |
| Average equity | $258,508,500 | 462 |
| Average total loans | $1,455,332,000 | 557 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2487% | 1,576 |
| Cost of funding earning assets | 1.2307% | 2,727 |
| Net interest margin | 4.0181% | 1,181 |
| Noninterest income to average assets | 0.9700% | 666 |
| Noninterest expense to average assets | 2.3641% | 2,684 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.7234% | 699 |
| Return on assets (ROA) | 1.4772% | 1,036 |
| Pretax return on assets | 1.9096% | 762 |
| Return on Equity (ROE) | 12.9600% | 1,738 |
| Retained earnings to average equity (ytd only) | 5.2957% | 2,489 |
| Net charge-offs to loans | 0.0456% | 1,428 |
| Credit loss provision to net charge-offs | 47.4684% | 2,203 |
| Earnings coverage of net charge-offs (x) | 76.9146% | 1,047 |
| Efficiency ratio | 51.0682% | 3,905 |
| Assets per employee ($millions) | 5.7042% | 3,065 |
| Cash dividends to net income (ytd only)* | 59.1348% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,179 |
| Loan loss allowance to noncurrent loans | 748.6005% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 2,809 |
| Noncurrent loans to loans | 0.1629% | 2,706 |
| Net loans and leases to total assets | 66.6500% | 2,180 |
| Net loans and leases to deposits | 79.1204% | 2,178 |
| Net loans and leases to core deposits | 82.5295% | 2,548 |
| Total domestic deposits to total assets | 84.2400% | 2,550 |
| Equity capital to assets | 11.9358% | 1,148 |
| Core capital (leverage) ratio | 11.0642% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,175,004,600 | 525 |
| Average earning assets | $1,962,095,000 | 534 |
| Average equity | $247,934,800 | 453 |
| Average total loans | $1,385,296,200 | 554 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 1,553 |
| Cost of funding earning assets | 1.1416% | 2,616 |
| Net interest margin | 4.0024% | 1,208 |
| Noninterest income to average assets | 0.9700% | 676 |
| Noninterest expense to average assets | 2.3391% | 2,680 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.7096% | 786 |
| Return on assets (ROA) | 1.5218% | 1,070 |
| Pretax return on assets | 1.9838% | 765 |
| Return on Equity (ROE) | 13.5100% | 1,798 |
| Retained earnings to average equity (ytd only) | 9.7114% | 1,490 |
| Net charge-offs to loans | 0.0499% | 1,176 |
| Credit loss provision to net charge-offs | 58.4795% | 1,864 |
| Earnings coverage of net charge-offs (x) | 71.4717% | 1,102 |
| Efficiency ratio | 50.7478% | 3,857 |
| Assets per employee ($millions) | 5.8109% | 2,918 |
| Cash dividends to net income (ytd only)* | 28.0989% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,204 |
| Loan loss allowance to noncurrent loans | 882.7198% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 2,969 |
| Noncurrent loans to loans | 0.1396% | 2,855 |
| Net loans and leases to total assets | 64.7200% | 2,367 |
| Net loans and leases to deposits | 76.8200% | 2,353 |
| Net loans and leases to core deposits | 80.0833% | 2,595 |
| Total domestic deposits to total assets | 84.2500% | 2,701 |
| Equity capital to assets | 11.8802% | 1,067 |
| Core capital (leverage) ratio | 11.2000% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,182,558,500 | 523 |
| Average earning assets | $1,968,209,500 | 530 |
| Average equity | $245,919,000 | 454 |
| Average total loans | $1,369,816,750 | 560 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9864% | 1,591 |
| Cost of funding earning assets | 1.0452% | 2,466 |
| Net interest margin | 3.9412% | 1,348 |
| Noninterest income to average assets | 0.9600% | 608 |
| Noninterest expense to average assets | 2.3226% | 2,735 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.6646% | 843 |
| Return on assets (ROA) | 1.4388% | 1,225 |
| Pretax return on assets | 1.8815% | 892 |
| Return on Equity (ROE) | 13.0000% | 1,903 |
| Retained earnings to average equity (ytd only) | 7.2423% | 2,211 |
| Net charge-offs to loans | 0.0762% | 816 |
| Credit loss provision to net charge-offs | 57.9151% | 1,644 |
| Earnings coverage of net charge-offs (x) | 46.5463% | 1,322 |
| Efficiency ratio | 51.0780% | 3,847 |
| Assets per employee ($millions) | 5.8696% | 2,823 |
| Cash dividends to net income (ytd only)* | 44.2842% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,154 |
| Loan loss allowance to noncurrent loans | 491.6263% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.1852% | 2,268 |
| Noncurrent loans to loans | 0.2552% | 2,245 |
| Net loans and leases to total assets | 62.7200% | 2,507 |
| Net loans and leases to deposits | 73.9201% | 2,503 |
| Net loans and leases to core deposits | 76.5294% | 2,725 |
| Total domestic deposits to total assets | 84.8500% | 2,584 |
| Equity capital to assets | 11.3687% | 1,240 |
| Core capital (leverage) ratio | 10.4582% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,197,276,667 | 505 |
| Average earning assets | $1,981,571,333 | 519 |
| Average equity | $243,210,000 | 448 |
| Average total loans | $1,359,340,000 | 551 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 1,631 |
| Cost of funding earning assets | 0.8787% | 2,440 |
| Net interest margin | 3.9172% | 1,444 |
| Noninterest income to average assets | 0.9700% | 606 |
| Noninterest expense to average assets | 2.3066% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6842% | 848 |
| Return on assets (ROA) | 1.4878% | 1,191 |
| Pretax return on assets | 1.9505% | 846 |
| Return on Equity (ROE) | 13.6200% | 1,855 |
| Retained earnings to average equity (ytd only) | 13.6219% | 990 |
| Net charge-offs to loans | 0.0121% | 1,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 296.7561% | 370 |
| Efficiency ratio | 50.8545% | 3,863 |
| Assets per employee ($millions) | 5.8783% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,119 |
| Loan loss allowance to noncurrent loans | 766.8426% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 2,806 |
| Noncurrent loans to loans | 0.1673% | 2,657 |
| Net loans and leases to total assets | 60.3700% | 2,613 |
| Net loans and leases to deposits | 70.8502% | 2,549 |
| Net loans and leases to core deposits | 73.1256% | 2,742 |
| Total domestic deposits to total assets | 85.2100% | 2,803 |
| Equity capital to assets | 11.0802% | 1,315 |
| Core capital (leverage) ratio | 10.4993% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,212,983,000 | 513 |
| Average earning assets | $1,995,702,500 | 521 |
| Average equity | $241,699,500 | 464 |
| Average total loans | $1,351,128,500 | 564 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7822% | 2,325 |
| Cost of funding earning assets | 0.1983% | 3,773 |
| Net interest margin | 3.5839% | 1,688 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.2850% | 2,788 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5091% | 862 |
| Return on assets (ROA) | 1.3019% | 1,381 |
| Pretax return on assets | 1.6559% | 1,025 |
| Return on Equity (ROE) | 12.4800% | 1,983 |
| Retained earnings to average equity (ytd only) | 9.0553% | 1,463 |
| Net charge-offs to loans | 0.0063% | 2,184 |
| Credit loss provision to net charge-offs | 1,481.8182% | 332 |
| Earnings coverage of net charge-offs (x) | 572.4286% | 305 |
| Efficiency ratio | 53.3615% | 3,845 |
| Assets per employee ($millions) | 5.7098% | 3,026 |
| Cash dividends to net income (ytd only)* | 27.4508% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,179 |
| Loan loss allowance to noncurrent loans | 488.8662% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 2,423 |
| Noncurrent loans to loans | 0.2547% | 2,245 |
| Net loans and leases to total assets | 60.1900% | 2,613 |
| Net loans and leases to deposits | 68.4477% | 2,702 |
| Net loans and leases to core deposits | 70.0720% | 2,863 |
| Total domestic deposits to total assets | 87.9400% | 2,088 |
| Equity capital to assets | 10.7623% | 1,350 |
| Core capital (leverage) ratio | 9.9477% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,238,465,800 | 503 |
| Average earning assets | $2,024,997,600 | 502 |
| Average equity | $233,486,400 | 466 |
| Average total loans | $1,221,582,000 | 571 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5718% | 2,414 |
| Cost of funding earning assets | 0.0809% | 4,413 |
| Net interest margin | 3.4909% | 1,687 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 2.1601% | 3,042 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.6280% | 618 |
| Return on assets (ROA) | 1.4733% | 888 |
| Pretax return on assets | 1.9403% | 531 |
| Return on Equity (ROE) | 14.8000% | 1,219 |
| Retained earnings to average equity (ytd only) | 14.8000% | 381 |
| Net charge-offs to loans | 0.0024% | 2,179 |
| Credit loss provision to net charge-offs | -2,105.2632% | 4,738 |
| Earnings coverage of net charge-offs (x) | 1,580.8947% | 83 |
| Efficiency ratio | 50.6100% | 4,121 |
| Assets per employee ($millions) | 6.0676% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,615 |
| Loan loss allowance to noncurrent loans | 651.5348% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 2,732 |
| Noncurrent loans to loans | 0.2144% | 2,538 |
| Net loans and leases to total assets | 55.4700% | 2,957 |
| Net loans and leases to deposits | 62.6286% | 2,977 |
| Net loans and leases to core deposits | 63.8297% | 3,133 |
| Total domestic deposits to total assets | 88.5700% | 2,253 |
| Equity capital to assets | 10.1044% | 1,565 |
| Core capital (leverage) ratio | 9.8546% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,899,778,500 | 584 |
| Average earning assets | $1,725,381,750 | 583 |
| Average equity | $189,121,500 | 556 |
| Average total loans | $1,040,002,500 | 658 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2581% | 2,878 |
| Cost of funding earning assets | 0.0664% | 4,480 |
| Net interest margin | 3.1917% | 2,213 |
| Noninterest income to average assets | 1.1655% | 502 |
| Noninterest expense to average assets | 2.1473% | 3,011 |
| Loan and lease loss provision to assets | -0.0528% | 4,524 |
| Net operating income to assets | 1.5163% | 683 |
| Return on assets (ROA) | 1.4122% | 853 |
| Pretax return on assets | 1.8499% | 531 |
| Return on Equity (ROE) | 14.2583% | 1,051 |
| Retained earnings to average equity (ytd only) | 14.2583% | 333 |
| Net charge-offs to loans | 0.0070% | 1,743 |
| Credit loss provision to net charge-offs | -1,388.8889% | 3,620 |
| Earnings coverage of net charge-offs (x) | 507.3889% | 257 |
| Efficiency ratio | 52.6788% | 4,077 |
| Assets per employee ($millions) | 6.1722% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,511 |
| Loan loss allowance to noncurrent loans | 768.0021% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 2,950 |
| Noncurrent loans to loans | 0.1904% | 2,754 |
| Net loans and leases to total assets | 52.8309% | 3,077 |
| Net loans and leases to deposits | 59.6523% | 3,079 |
| Net loans and leases to core deposits | 60.4538% | 3,240 |
| Total domestic deposits to total assets | 88.5647% | 2,348 |
| Equity capital to assets | 10.0686% | 1,677 |
| Core capital (leverage) ratio | 9.5610% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,893,913,667 | 578 |
| Average earning assets | $1,727,163,667 | 582 |
| Average equity | $187,582,333 | 569 |
| Average total loans | $1,027,137,333 | 659 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9417% | 3,425 |
| Cost of funding earning assets | 0.0747% | 4,407 |
| Net interest margin | 2.8670% | 2,935 |
| Noninterest income to average assets | 1.0826% | 577 |
| Noninterest expense to average assets | 2.1087% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2305% | 1,169 |
| Return on assets (ROA) | 1.0214% | 1,782 |
| Pretax return on assets | 1.3374% | 1,416 |
| Return on Equity (ROE) | 10.3993% | 1,823 |
| Retained earnings to average equity (ytd only) | 10.3993% | 926 |
| Net charge-offs to loans | 0.0120% | 1,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 243.8387% | 375 |
| Efficiency ratio | 56.8255% | 3,808 |
| Assets per employee ($millions) | 6.0307% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 1,515 |
| Loan loss allowance to noncurrent loans | 504.9984% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 2,545 |
| Noncurrent loans to loans | 0.2995% | 2,396 |
| Net loans and leases to total assets | 53.6708% | 2,804 |
| Net loans and leases to deposits | 60.5626% | 2,848 |
| Net loans and leases to core deposits | 61.4174% | 3,030 |
| Total domestic deposits to total assets | 88.6204% | 2,248 |
| Equity capital to assets | 9.9780% | 1,905 |
| Core capital (leverage) ratio | 9.1601% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,887,263,500 | 584 |
| Average earning assets | $1,730,006,500 | 578 |
| Average equity | $185,359,000 | 590 |
| Average total loans | $1,029,430,000 | 647 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3988% | 2,934 |
| Cost of funding earning assets | 0.1153% | 4,271 |
| Net interest margin | 3.2835% | 2,353 |
| Noninterest income to average assets | 1.1563% | 788 |
| Noninterest expense to average assets | 2.1499% | 3,229 |
| Loan and lease loss provision to assets | -0.1099% | 4,555 |
| Net operating income to assets | 1.6055% | 789 |
| Return on assets (ROA) | 1.5491% | 947 |
| Pretax return on assets | 2.0537% | 549 |
| Return on Equity (ROE) | 15.6982% | 802 |
| Retained earnings to average equity (ytd only) | 5.6720% | 2,494 |
| Net charge-offs to loans | -0.0792% | 4,508 |
| Credit loss provision to net charge-offs | 227.5313% | 1,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6180% | 4,148 |
| Assets per employee ($millions) | 6.0670% | 2,698 |
| Cash dividends to net income (ytd only)* | 63.8683% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4940% | 1,584 |
| Loan loss allowance to noncurrent loans | 766.4028% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 3,078 |
| Noncurrent loans to loans | 0.1949% | 2,975 |
| Net loans and leases to total assets | 53.7811% | 2,878 |
| Net loans and leases to deposits | 62.1712% | 2,865 |
| Net loans and leases to core deposits | 63.0540% | 3,066 |
| Total domestic deposits to total assets | 86.5047% | 2,711 |
| Equity capital to assets | 9.6671% | 2,978 |
| Core capital (leverage) ratio | 9.0071% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,819,287,600 | 581 |
| Average earning assets | $1,666,947,000 | 575 |
| Average equity | $179,530,000 | 605 |
| Average total loans | $1,109,927,800 | 597 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4776% | 2,905 |
| Cost of funding earning assets | 0.1226% | 4,327 |
| Net interest margin | 3.3549% | 2,282 |
| Noninterest income to average assets | 1.1868% | 807 |
| Noninterest expense to average assets | 2.0343% | 3,573 |
| Loan and lease loss provision to assets | -0.0741% | 4,533 |
| Net operating income to assets | 1.7305% | 772 |
| Return on assets (ROA) | 1.7031% | 861 |
| Pretax return on assets | 2.2611% | 491 |
| Return on Equity (ROE) | 17.1668% | 745 |
| Retained earnings to average equity (ytd only) | 8.2043% | 1,996 |
| Net charge-offs to loans | -0.0973% | 4,602 |
| Credit loss provision to net charge-offs | 121.5067% | 1,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7985% | 4,378 |
| Assets per employee ($millions) | 6.0619% | 2,632 |
| Cash dividends to net income (ytd only)* | 52.2080% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,703 |
| Loan loss allowance to noncurrent loans | 595.1829% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 3,066 |
| Noncurrent loans to loans | 0.2490% | 2,943 |
| Net loans and leases to total assets | 59.8750% | 2,275 |
| Net loans and leases to deposits | 69.7336% | 2,265 |
| Net loans and leases to core deposits | 70.7283% | 2,533 |
| Total domestic deposits to total assets | 85.8625% | 2,799 |
| Equity capital to assets | 10.1089% | 2,797 |
| Core capital (leverage) ratio | 9.3520% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,799,367,500 | 590 |
| Average earning assets | $1,646,131,500 | 586 |
| Average equity | $178,518,750 | 615 |
| Average total loans | $1,128,216,250 | 600 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4525% | 3,025 |
| Cost of funding earning assets | 0.1332% | 4,326 |
| Net interest margin | 3.3193% | 2,387 |
| Noninterest income to average assets | 1.1207% | 903 |
| Noninterest expense to average assets | 2.0391% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6012% | 1,045 |
| Return on assets (ROA) | 1.5718% | 1,175 |
| Pretax return on assets | 2.0835% | 701 |
| Return on Equity (ROE) | 15.9452% | 973 |
| Retained earnings to average equity (ytd only) | 2.3507% | 4,036 |
| Net charge-offs to loans | -0.1216% | 4,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0201% | 4,320 |
| Assets per employee ($millions) | 6.0762% | 2,536 |
| Cash dividends to net income (ytd only)* | 85.2575% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 1,522 |
| Loan loss allowance to noncurrent loans | 734.6072% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 3,326 |
| Noncurrent loans to loans | 0.2070% | 3,218 |
| Net loans and leases to total assets | 62.5117% | 2,115 |
| Net loans and leases to deposits | 72.0972% | 2,195 |
| Net loans and leases to core deposits | 72.9780% | 2,523 |
| Total domestic deposits to total assets | 86.7047% | 2,471 |
| Equity capital to assets | 9.7946% | 3,063 |
| Core capital (leverage) ratio | 8.8866% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,790,947,667 | 589 |
| Average earning assets | $1,639,734,000 | 583 |
| Average equity | $176,541,667 | 616 |
| Average total loans | $1,134,645,333 | 600 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5805% | 2,702 |
| Cost of funding earning assets | 0.1488% | 4,313 |
| Net interest margin | 3.4317% | 2,016 |
| Noninterest income to average assets | 1.1203% | 951 |
| Noninterest expense to average assets | 2.0671% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6574% | 1,011 |
| Return on assets (ROA) | 1.5779% | 1,222 |
| Pretax return on assets | 2.0903% | 820 |
| Return on Equity (ROE) | 15.9567% | 1,023 |
| Retained earnings to average equity (ytd only) | 15.9567% | 524 |
| Net charge-offs to loans | -0.0498% | 4,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5464% | 4,300 |
| Assets per employee ($millions) | 6.0812% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 1,700 |
| Loan loss allowance to noncurrent loans | 565.5300% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,251 |
| Noncurrent loans to loans | 0.2600% | 3,178 |
| Net loans and leases to total assets | 62.3474% | 2,250 |
| Net loans and leases to deposits | 72.5891% | 2,257 |
| Net loans and leases to core deposits | 73.4789% | 2,559 |
| Total domestic deposits to total assets | 85.8909% | 2,773 |
| Equity capital to assets | 10.0304% | 2,678 |
| Core capital (leverage) ratio | 9.5169% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,790,179,000 | 582 |
| Average earning assets | $1,636,749,000 | 582 |
| Average equity | $177,029,000 | 611 |
| Average total loans | $1,133,062,000 | 602 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 3,155 |
| Cost of funding earning assets | 0.2976% | 4,158 |
| Net interest margin | 3.5559% | 2,290 |
| Noninterest income to average assets | 1.1152% | 854 |
| Noninterest expense to average assets | 2.2519% | 3,540 |
| Loan and lease loss provision to assets | 0.1841% | 2,114 |
| Net operating income to assets | 1.4827% | 851 |
| Return on assets (ROA) | 1.4892% | 905 |
| Pretax return on assets | 1.9558% | 502 |
| Return on Equity (ROE) | 13.9725% | 819 |
| Retained earnings to average equity (ytd only) | 3.0087% | 3,345 |
| Net charge-offs to loans | -0.0712% | 4,743 |
| Credit loss provision to net charge-offs | -382.7366% | 3,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3715% | 4,430 |
| Assets per employee ($millions) | 6.0970% | 2,257 |
| Cash dividends to net income (ytd only)* | 78.4670% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 1,674 |
| Loan loss allowance to noncurrent loans | 424.1573% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 2,948 |
| Noncurrent loans to loans | 0.3474% | 2,955 |
| Net loans and leases to total assets | 62.3757% | 2,558 |
| Net loans and leases to deposits | 75.7522% | 2,306 |
| Net loans and leases to core deposits | 77.4825% | 2,597 |
| Total domestic deposits to total assets | 82.3417% | 3,581 |
| Equity capital to assets | 9.7459% | 3,371 |
| Core capital (leverage) ratio | 9.3796% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,625,949,200 | 579 |
| Average earning assets | $1,494,450,400 | 574 |
| Average equity | $173,297,800 | 586 |
| Average total loans | $1,098,107,400 | 582 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 3,216 |
| Cost of funding earning assets | 0.3325% | 4,138 |
| Net interest margin | 3.5789% | 2,340 |
| Noninterest income to average assets | 1.1341% | 818 |
| Noninterest expense to average assets | 2.2826% | 3,465 |
| Loan and lease loss provision to assets | 0.2514% | 1,611 |
| Net operating income to assets | 1.4511% | 995 |
| Return on assets (ROA) | 1.4517% | 1,086 |
| Pretax return on assets | 1.8945% | 641 |
| Return on Equity (ROE) | 13.3010% | 1,031 |
| Retained earnings to average equity (ytd only) | 7.9138% | 1,331 |
| Net charge-offs to loans | -0.0818% | 4,788 |
| Credit loss provision to net charge-offs | -447.3842% | 3,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5527% | 4,378 |
| Assets per employee ($millions) | 6.1536% | 2,135 |
| Cash dividends to net income (ytd only)* | 40.5022% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 1,483 |
| Loan loss allowance to noncurrent loans | 564.7723% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 3,373 |
| Noncurrent loans to loans | 0.2597% | 3,371 |
| Net loans and leases to total assets | 62.7547% | 2,914 |
| Net loans and leases to deposits | 78.3315% | 2,503 |
| Net loans and leases to core deposits | 80.2930% | 2,818 |
| Total domestic deposits to total assets | 80.1143% | 3,840 |
| Equity capital to assets | 10.1135% | 3,132 |
| Core capital (leverage) ratio | 9.8126% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,587,357,500 | 573 |
| Average earning assets | $1,460,870,000 | 569 |
| Average equity | $173,245,500 | 576 |
| Average total loans | $1,090,860,750 | 581 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 3,072 |
| Cost of funding earning assets | 0.3707% | 4,171 |
| Net interest margin | 3.7218% | 2,084 |
| Noninterest income to average assets | 1.0969% | 826 |
| Noninterest expense to average assets | 2.3780% | 3,317 |
| Loan and lease loss provision to assets | 0.3918% | 1,045 |
| Net operating income to assets | 1.3462% | 1,232 |
| Return on assets (ROA) | 1.3486% | 1,318 |
| Pretax return on assets | 1.7516% | 889 |
| Return on Equity (ROE) | 12.0170% | 1,330 |
| Retained earnings to average equity (ytd only) | 3.8517% | 2,983 |
| Net charge-offs to loans | -0.0760% | 4,792 |
| Credit loss provision to net charge-offs | -730.0000% | 3,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6293% | 4,312 |
| Assets per employee ($millions) | 5.9138% | 2,259 |
| Cash dividends to net income (ytd only)* | 67.9480% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 1,623 |
| Loan loss allowance to noncurrent loans | 488.0673% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 3,401 |
| Noncurrent loans to loans | 0.2849% | 3,360 |
| Net loans and leases to total assets | 65.3538% | 2,715 |
| Net loans and leases to deposits | 81.4178% | 2,266 |
| Net loans and leases to core deposits | 83.8244% | 2,622 |
| Total domestic deposits to total assets | 80.2697% | 3,781 |
| Equity capital to assets | 9.7426% | 3,430 |
| Core capital (leverage) ratio | 9.7183% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,527,786,000 | 581 |
| Average earning assets | $1,404,463,333 | 576 |
| Average equity | $171,456,667 | 580 |
| Average total loans | $1,079,551,000 | 579 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 2,202 |
| Cost of funding earning assets | 0.4426% | 4,185 |
| Net interest margin | 4.0944% | 1,144 |
| Noninterest income to average assets | 1.1616% | 647 |
| Noninterest expense to average assets | 2.6200% | 2,925 |
| Loan and lease loss provision to assets | -0.0020% | 5,029 |
| Net operating income to assets | 1.7511% | 456 |
| Return on assets (ROA) | 1.6947% | 571 |
| Pretax return on assets | 2.2125% | 287 |
| Return on Equity (ROE) | 13.9514% | 706 |
| Retained earnings to average equity (ytd only) | 13.9514% | 256 |
| Net charge-offs to loans | -0.2086% | 4,945 |
| Credit loss provision to net charge-offs | 1.2963% | 2,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4479% | 4,437 |
| Assets per employee ($millions) | 4.8263% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,430 |
| Loan loss allowance to noncurrent loans | 310.2344% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 3,063 |
| Noncurrent loans to loans | 0.4010% | 3,052 |
| Net loans and leases to total assets | 72.3229% | 1,870 |
| Net loans and leases to deposits | 87.1240% | 1,849 |
| Net loans and leases to core deposits | 90.1306% | 2,330 |
| Total domestic deposits to total assets | 83.0115% | 3,110 |
| Equity capital to assets | 11.8734% | 2,164 |
| Core capital (leverage) ratio | 11.4430% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,410,525,000 | 603 |
| Average earning assets | $1,288,604,500 | 598 |
| Average equity | $171,337,500 | 575 |
| Average total loans | $1,035,340,000 | 580 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8186% | 1,989 |
| Cost of funding earning assets | 0.5339% | 3,955 |
| Net interest margin | 4.2847% | 1,124 |
| Noninterest income to average assets | 1.1278% | 738 |
| Noninterest expense to average assets | 2.5441% | 3,336 |
| Loan and lease loss provision to assets | 0.0640% | 2,752 |
| Net operating income to assets | 1.8447% | 485 |
| Return on assets (ROA) | 1.8447% | 508 |
| Pretax return on assets | 2.3949% | 251 |
| Return on Equity (ROE) | 14.7998% | 730 |
| Retained earnings to average equity (ytd only) | 2.3431% | 3,852 |
| Net charge-offs to loans | 0.1612% | 1,246 |
| Credit loss provision to net charge-offs | 56.5729% | 3,070 |
| Earnings coverage of net charge-offs (x) | 21.7508% | 1,878 |
| Efficiency ratio | 50.8520% | 4,683 |
| Assets per employee ($millions) | 4.4389% | 3,318 |
| Cash dividends to net income (ytd only)* | 84.1683% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 1,977 |
| Loan loss allowance to noncurrent loans | 333.4632% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 3,046 |
| Noncurrent loans to loans | 0.3864% | 3,051 |
| Net loans and leases to total assets | 72.6340% | 1,982 |
| Net loans and leases to deposits | 84.0145% | 2,333 |
| Net loans and leases to core deposits | 86.6959% | 2,736 |
| Total domestic deposits to total assets | 86.4541% | 1,865 |
| Equity capital to assets | 12.4437% | 1,852 |
| Core capital (leverage) ratio | 11.2399% | 2,298 |
| Tier 1 risk-based capital ratio | 13.3733% | 3,595 |
| Total risk-based capital ratio | 14.5404% | 3,518 |
| Memoranda: | ||
| Average total assets | $1,352,531,600 | 600 |
| Average earning assets | $1,223,262,200 | 599 |
| Average equity | $168,583,600 | 545 |
| Average total loans | $948,776,000 | 604 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 2,026 |
| Cost of funding earning assets | 0.5428% | 3,972 |
| Net interest margin | 4.2883% | 1,184 |
| Noninterest income to average assets | 1.1011% | 757 |
| Noninterest expense to average assets | 2.4884% | 3,470 |
| Loan and lease loss provision to assets | 0.0937% | 2,038 |
| Net operating income to assets | 1.8621% | 552 |
| Return on assets (ROA) | 1.8621% | 575 |
| Pretax return on assets | 2.3905% | 311 |
| Return on Equity (ROE) | 14.9333% | 790 |
| Retained earnings to average equity (ytd only) | 3.8628% | 3,469 |
| Net charge-offs to loans | 0.1831% | 938 |
| Credit loss provision to net charge-offs | 73.8151% | 2,580 |
| Earnings coverage of net charge-offs (x) | 19.5757% | 1,993 |
| Efficiency ratio | 50.0426% | 4,740 |
| Assets per employee ($millions) | 4.5110% | 3,187 |
| Cash dividends to net income (ytd only)* | 74.1329% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 1,455 |
| Loan loss allowance to noncurrent loans | 213.1843% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 2,727 |
| Noncurrent loans to loans | 0.6717% | 2,273 |
| Net loans and leases to total assets | 65.8451% | 3,065 |
| Net loans and leases to deposits | 76.0653% | 3,285 |
| Net loans and leases to core deposits | 78.4303% | 3,519 |
| Total domestic deposits to total assets | 86.5639% | 1,743 |
| Equity capital to assets | 12.3204% | 2,029 |
| Core capital (leverage) ratio | 11.2508% | 2,426 |
| Tier 1 risk-based capital ratio | 13.9122% | 3,371 |
| Total risk-based capital ratio | 15.1411% | 3,292 |
| Memoranda: | ||
| Average total assets | $1,352,198,000 | 602 |
| Average earning assets | $1,220,788,000 | 604 |
| Average equity | $168,611,750 | 545 |
| Average total loans | $936,919,500 | 610 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 2,020 |
| Cost of funding earning assets | 0.5319% | 3,975 |
| Net interest margin | 4.2804% | 1,186 |
| Noninterest income to average assets | 1.0823% | 726 |
| Noninterest expense to average assets | 2.4686% | 3,576 |
| Loan and lease loss provision to assets | 0.1413% | 1,314 |
| Net operating income to assets | 1.8430% | 548 |
| Return on assets (ROA) | 1.8430% | 570 |
| Pretax return on assets | 2.3463% | 321 |
| Return on Equity (ROE) | 14.7203% | 819 |
| Retained earnings to average equity (ytd only) | 6.4024% | 2,103 |
| Net charge-offs to loans | 0.2592% | 644 |
| Credit loss provision to net charge-offs | 77.7414% | 2,250 |
| Earnings coverage of net charge-offs (x) | 13.6833% | 2,081 |
| Efficiency ratio | 49.8079% | 4,789 |
| Assets per employee ($millions) | 4.3567% | 3,353 |
| Cash dividends to net income (ytd only)* | 56.5063% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 1,564 |
| Loan loss allowance to noncurrent loans | 186.8484% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 2,464 |
| Noncurrent loans to loans | 0.7559% | 2,092 |
| Net loans and leases to total assets | 68.1434% | 2,793 |
| Net loans and leases to deposits | 78.9608% | 3,065 |
| Net loans and leases to core deposits | 81.2271% | 3,313 |
| Total domestic deposits to total assets | 86.3003% | 1,892 |
| Equity capital to assets | 12.5500% | 1,826 |
| Core capital (leverage) ratio | 11.4263% | 2,228 |
| Tier 1 risk-based capital ratio | 13.7240% | 3,470 |
| Total risk-based capital ratio | 14.9381% | 3,382 |
| Memoranda: | ||
| Average total assets | $1,344,308,000 | 604 |
| Average earning assets | $1,216,668,000 | 606 |
| Average equity | $168,311,670 | 548 |
| Average total loans | $942,858,000 | 606 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7708% | 1,986 |
| Cost of funding earning assets | 0.5097% | 4,016 |
| Net interest margin | 4.2611% | 1,168 |
| Noninterest income to average assets | 1.0841% | 681 |
| Noninterest expense to average assets | 2.4143% | 3,734 |
| Loan and lease loss provision to assets | 0.1195% | 1,466 |
| Net operating income to assets | 1.9217% | 443 |
| Return on assets (ROA) | 1.9217% | 458 |
| Pretax return on assets | 2.3961% | 300 |
| Return on Equity (ROE) | 15.3674% | 686 |
| Retained earnings to average equity (ytd only) | 15.3674% | 255 |
| Net charge-offs to loans | 0.4909% | 309 |
| Credit loss provision to net charge-offs | 34.4531% | 2,065 |
| Earnings coverage of net charge-offs (x) | 7.2532% | 2,146 |
| Efficiency ratio | 48.9729% | 4,896 |
| Assets per employee ($millions) | 4.4316% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 1,979 |
| Loan loss allowance to noncurrent loans | 181.1433% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 2,512 |
| Noncurrent loans to loans | 0.7311% | 2,194 |
| Net loans and leases to total assets | 71.6248% | 2,226 |
| Net loans and leases to deposits | 83.2399% | 2,475 |
| Net loans and leases to core deposits | 85.3952% | 2,920 |
| Total domestic deposits to total assets | 86.0462% | 2,263 |
| Equity capital to assets | 12.8890% | 1,517 |
| Core capital (leverage) ratio | 11.7297% | 1,956 |
| Tier 1 risk-based capital ratio | 13.4280% | 3,649 |
| Total risk-based capital ratio | 14.5647% | 3,616 |
| Memoranda: | ||
| Average total assets | $1,338,996,500 | 609 |
| Average earning assets | $1,208,510,000 | 611 |
| Average equity | $167,445,500 | 547 |
| Average total loans | $946,025,500 | 611 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 2,168 |
| Cost of funding earning assets | 0.3306% | 4,404 |
| Net interest margin | 4.2559% | 1,260 |
| Noninterest income to average assets | 1.2182% | 625 |
| Noninterest expense to average assets | 2.5331% | 3,514 |
| Loan and lease loss provision to assets | -0.0086% | 5,105 |
| Net operating income to assets | 1.9906% | 367 |
| Return on assets (ROA) | 1.9810% | 373 |
| Pretax return on assets | 2.5199% | 199 |
| Return on Equity (ROE) | 15.9238% | 649 |
| Retained earnings to average equity (ytd only) | 1.2952% | 4,616 |
| Net charge-offs to loans | -0.1272% | 5,196 |
| Credit loss provision to net charge-offs | 9.8958% | 3,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0967% | 4,938 |
| Assets per employee ($millions) | 4.6653% | 2,932 |
| Cash dividends to net income (ytd only)* | 91.8660% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 1,440 |
| Loan loss allowance to noncurrent loans | 153.1888% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 2,069 |
| Noncurrent loans to loans | 0.9473% | 1,702 |
| Net loans and leases to total assets | 67.7597% | 2,912 |
| Net loans and leases to deposits | 78.1013% | 3,154 |
| Net loans and leases to core deposits | 80.7498% | 3,373 |
| Total domestic deposits to total assets | 86.7587% | 1,890 |
| Equity capital to assets | 12.1295% | 1,798 |
| Core capital (leverage) ratio | 11.2625% | 2,297 |
| Tier 1 risk-based capital ratio | 13.0729% | 3,802 |
| Total risk-based capital ratio | 14.2965% | 3,710 |
| Memoranda: | ||
| Average total assets | $1,318,758,800 | 598 |
| Average earning assets | $1,189,363,200 | 602 |
| Average equity | $164,063,000 | 535 |
| Average total loans | $905,910,400 | 610 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 2,092 |
| Cost of funding earning assets | 0.2900% | 4,587 |
| Net interest margin | 4.2728% | 1,175 |
| Noninterest income to average assets | 1.2184% | 646 |
| Noninterest expense to average assets | 2.4447% | 3,749 |
| Loan and lease loss provision to assets | -0.0116% | 5,221 |
| Net operating income to assets | 2.0359% | 349 |
| Return on assets (ROA) | 2.0230% | 357 |
| Pretax return on assets | 2.6241% | 184 |
| Return on Equity (ROE) | 16.1570% | 675 |
| Retained earnings to average equity (ytd only) | 1.5279% | 4,716 |
| Net charge-offs to loans | -0.1670% | 5,270 |
| Credit loss provision to net charge-offs | 10.1154% | 3,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1858% | 5,045 |
| Assets per employee ($millions) | 4.4257% | 3,233 |
| Cash dividends to net income (ytd only)* | 90.5433% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,473 |
| Loan loss allowance to noncurrent loans | 221.6848% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 2,769 |
| Noncurrent loans to loans | 0.6610% | 2,426 |
| Net loans and leases to total assets | 69.4000% | 2,741 |
| Net loans and leases to deposits | 80.3998% | 2,995 |
| Net loans and leases to core deposits | 83.3253% | 3,212 |
| Total domestic deposits to total assets | 86.3186% | 2,049 |
| Equity capital to assets | 12.5252% | 1,566 |
| Core capital (leverage) ratio | 11.3276% | 2,311 |
| Tier 1 risk-based capital ratio | 13.1697% | 3,804 |
| Total risk-based capital ratio | 14.4022% | 3,726 |
| Memoranda: | ||
| Average total assets | $1,310,214,500 | 600 |
| Average earning assets | $1,182,144,000 | 606 |
| Average equity | $164,052,750 | 526 |
| Average total loans | $899,827,000 | 612 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4887% | 2,123 |
| Cost of funding earning assets | 0.2554% | 4,724 |
| Net interest margin | 4.2333% | 1,205 |
| Noninterest income to average assets | 1.1979% | 668 |
| Noninterest expense to average assets | 2.4087% | 3,873 |
| Loan and lease loss provision to assets | -0.0174% | 5,320 |
| Net operating income to assets | 2.0256% | 364 |
| Return on assets (ROA) | 2.0063% | 373 |
| Pretax return on assets | 2.6005% | 188 |
| Return on Equity (ROE) | 16.0253% | 670 |
| Retained earnings to average equity (ytd only) | 1.4115% | 4,661 |
| Net charge-offs to loans | -0.2662% | 5,369 |
| Credit loss provision to net charge-offs | 9.5879% | 2,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0182% | 5,117 |
| Assets per employee ($millions) | 4.3670% | 3,328 |
| Cash dividends to net income (ytd only)* | 91.1923% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 1,494 |
| Loan loss allowance to noncurrent loans | 230.0867% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 2,893 |
| Noncurrent loans to loans | 0.6377% | 2,519 |
| Net loans and leases to total assets | 69.6192% | 2,637 |
| Net loans and leases to deposits | 80.6740% | 2,879 |
| Net loans and leases to core deposits | 83.6480% | 3,108 |
| Total domestic deposits to total assets | 86.2970% | 2,140 |
| Equity capital to assets | 12.4649% | 1,556 |
| Core capital (leverage) ratio | 11.2992% | 2,253 |
| Tier 1 risk-based capital ratio | 13.3990% | 3,674 |
| Total risk-based capital ratio | 14.6492% | 3,591 |
| Memoranda: | ||
| Average total assets | $1,311,757,670 | 599 |
| Average earning assets | $1,183,138,000 | 605 |
| Average equity | $164,228,000 | 523 |
| Average total loans | $893,252,670 | 613 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 2,037 |
| Cost of funding earning assets | 0.2235% | 4,873 |
| Net interest margin | 4.2209% | 1,127 |
| Noninterest income to average assets | 1.2349% | 608 |
| Noninterest expense to average assets | 2.4311% | 3,859 |
| Loan and lease loss provision to assets | -0.0347% | 5,448 |
| Net operating income to assets | 2.0359% | 341 |
| Return on assets (ROA) | 2.0359% | 343 |
| Pretax return on assets | 2.6529% | 172 |
| Return on Equity (ROE) | 16.2267% | 588 |
| Retained earnings to average equity (ytd only) | 16.2267% | 236 |
| Net charge-offs to loans | -0.5409% | 5,503 |
| Credit loss provision to net charge-offs | 9.5960% | 2,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1473% | 5,189 |
| Assets per employee ($millions) | 4.5457% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 1,427 |
| Loan loss allowance to noncurrent loans | 227.6703% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 3,051 |
| Noncurrent loans to loans | 0.6633% | 2,562 |
| Net loans and leases to total assets | 66.7306% | 2,935 |
| Net loans and leases to deposits | 77.8600% | 3,032 |
| Net loans and leases to core deposits | 81.7304% | 3,166 |
| Total domestic deposits to total assets | 85.7059% | 2,675 |
| Equity capital to assets | 12.7159% | 1,379 |
| Core capital (leverage) ratio | 11.7952% | 1,780 |
| Tier 1 risk-based capital ratio | 14.1844% | 3,285 |
| Total risk-based capital ratio | 15.4349% | 3,205 |
| Memoranda: | ||
| Average total assets | $1,314,769,500 | 600 |
| Average earning assets | $1,188,173,500 | 608 |
| Average equity | $164,963,000 | 525 |
| Average total loans | $878,590,000 | 629 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2688% | 2,435 |
| Cost of funding earning assets | 0.1770% | 5,115 |
| Net interest margin | 4.0918% | 1,471 |
| Noninterest income to average assets | 1.1674% | 756 |
| Noninterest expense to average assets | 2.4110% | 4,049 |
| Loan and lease loss provision to assets | -0.0006% | 5,281 |
| Net operating income to assets | 1.7092% | 517 |
| Return on assets (ROA) | 1.7092% | 532 |
| Pretax return on assets | 2.4376% | 201 |
| Return on Equity (ROE) | 13.5447% | 844 |
| Retained earnings to average equity (ytd only) | 1.8059% | 4,236 |
| Net charge-offs to loans | 0.0884% | 2,211 |
| Credit loss provision to net charge-offs | -1.0624% | 4,568 |
| Earnings coverage of net charge-offs (x) | 41.5113% | 1,230 |
| Efficiency ratio | 49.7322% | 5,231 |
| Assets per employee ($millions) | 4.4752% | 3,228 |
| Cash dividends to net income (ytd only)* | 86.6670% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,593 |
| Loan loss allowance to noncurrent loans | 216.8639% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 3,071 |
| Noncurrent loans to loans | 0.6674% | 2,544 |
| Net loans and leases to total assets | 64.9304% | 3,242 |
| Net loans and leases to deposits | 75.3757% | 3,399 |
| Net loans and leases to core deposits | 79.3459% | 3,466 |
| Total domestic deposits to total assets | 86.1424% | 2,375 |
| Equity capital to assets | 12.3759% | 1,581 |
| Core capital (leverage) ratio | 11.2930% | 2,098 |
| Tier 1 risk-based capital ratio | 13.7583% | 3,491 |
| Total risk-based capital ratio | 14.9549% | 3,438 |
| Memoranda: | ||
| Average total assets | $1,282,641,600 | 598 |
| Average earning assets | $1,153,766,800 | 607 |
| Average equity | $161,857,000 | 514 |
| Average total loans | $851,348,400 | 618 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1779% | 2,691 |
| Cost of funding earning assets | 0.1756% | 5,158 |
| Net interest margin | 4.0023% | 1,693 |
| Noninterest income to average assets | 1.1755% | 744 |
| Noninterest expense to average assets | 2.3259% | 4,230 |
| Loan and lease loss provision to assets | -0.0008% | 5,433 |
| Net operating income to assets | 1.6771% | 607 |
| Return on assets (ROA) | 1.6771% | 624 |
| Pretax return on assets | 2.4472% | 229 |
| Return on Equity (ROE) | 13.2250% | 1,007 |
| Retained earnings to average equity (ytd only) | 3.3421% | 3,941 |
| Net charge-offs to loans | -0.1297% | 5,447 |
| Credit loss provision to net charge-offs | 0.9685% | 3,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7373% | 5,310 |
| Assets per employee ($millions) | 4.4031% | 3,306 |
| Cash dividends to net income (ytd only)* | 74.7291% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 1,247 |
| Loan loss allowance to noncurrent loans | 125.0334% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.8847% | 1,947 |
| Noncurrent loans to loans | 1.2779% | 1,502 |
| Net loans and leases to total assets | 67.2522% | 2,952 |
| Net loans and leases to deposits | 78.4006% | 3,126 |
| Net loans and leases to core deposits | 82.9555% | 3,217 |
| Total domestic deposits to total assets | 85.7802% | 2,397 |
| Equity capital to assets | 12.6853% | 1,554 |
| Core capital (leverage) ratio | 11.4414% | 2,063 |
| Tier 1 risk-based capital ratio | 13.5248% | 3,688 |
| Total risk-based capital ratio | 14.7756% | 3,599 |
| Memoranda: | ||
| Average total assets | $1,276,614,750 | 600 |
| Average earning assets | $1,147,280,750 | 611 |
| Average equity | $161,890,750 | 517 |
| Average total loans | $848,950,750 | 619 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 2,958 |
| Cost of funding earning assets | 0.1739% | 5,180 |
| Net interest margin | 3.8913% | 1,961 |
| Noninterest income to average assets | 1.1767% | 732 |
| Noninterest expense to average assets | 2.2885% | 4,378 |
| Loan and lease loss provision to assets | -0.0013% | 5,517 |
| Net operating income to assets | 1.6545% | 623 |
| Return on assets (ROA) | 1.6545% | 643 |
| Pretax return on assets | 2.3791% | 262 |
| Return on Equity (ROE) | 13.0486% | 1,025 |
| Retained earnings to average equity (ytd only) | 3.1408% | 3,838 |
| Net charge-offs to loans | -0.0184% | 4,751 |
| Credit loss provision to net charge-offs | 10.3896% | 2,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0426% | 5,354 |
| Assets per employee ($millions) | 4.3948% | 3,277 |
| Cash dividends to net income (ytd only)* | 75.9301% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,494 |
| Loan loss allowance to noncurrent loans | 114.1250% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 1,929 |
| Noncurrent loans to loans | 1.3376% | 1,443 |
| Net loans and leases to total assets | 67.0437% | 2,945 |
| Net loans and leases to deposits | 78.1820% | 3,099 |
| Net loans and leases to core deposits | 82.1116% | 3,243 |
| Total domestic deposits to total assets | 85.7533% | 2,499 |
| Equity capital to assets | 12.6355% | 1,556 |
| Core capital (leverage) ratio | 11.4032% | 2,047 |
| Tier 1 risk-based capital ratio | 14.1991% | 3,310 |
| Total risk-based capital ratio | 15.4500% | 3,230 |
| Memoranda: | ||
| Average total assets | $1,273,585,000 | 604 |
| Average earning assets | $1,142,140,670 | 612 |
| Average equity | $161,489,000 | 518 |
| Average total loans | $839,033,000 | 628 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,169 |
| Cost of funding earning assets | 0.1732% | 5,207 |
| Net interest margin | 3.7885% | 2,156 |
| Noninterest income to average assets | 1.2227% | 687 |
| Noninterest expense to average assets | 2.2994% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5113% | 790 |
| Return on assets (ROA) | 1.5113% | 819 |
| Pretax return on assets | 2.3164% | 291 |
| Return on Equity (ROE) | 11.8981% | 1,268 |
| Retained earnings to average equity (ytd only) | 11.8981% | 479 |
| Net charge-offs to loans | -0.0384% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8159% | 5,383 |
| Assets per employee ($millions) | 4.5242% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,354 |
| Loan loss allowance to noncurrent loans | 88.7207% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1630% | 1,517 |
| Noncurrent loans to loans | 1.8146% | 1,030 |
| Net loans and leases to total assets | 63.0434% | 3,398 |
| Net loans and leases to deposits | 73.7204% | 3,430 |
| Net loans and leases to core deposits | 77.2734% | 3,536 |
| Total domestic deposits to total assets | 85.5168% | 2,880 |
| Equity capital to assets | 12.7101% | 1,398 |
| Core capital (leverage) ratio | 11.8065% | 1,750 |
| Tier 1 risk-based capital ratio | 14.9374% | 2,996 |
| Total risk-based capital ratio | 16.1888% | 2,926 |
| Memoranda: | ||
| Average total assets | $1,270,940,500 | 603 |
| Average earning assets | $1,138,285,500 | 617 |
| Average equity | $161,437,500 | 517 |
| Average total loans | $823,202,000 | 645 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 3,377 |
| Cost of funding earning assets | 0.1770% | 5,239 |
| Net interest margin | 3.7748% | 2,408 |
| Noninterest income to average assets | 1.1572% | 850 |
| Noninterest expense to average assets | 2.4525% | 4,158 |
| Loan and lease loss provision to assets | 0.0030% | 4,293 |
| Net operating income to assets | 1.3561% | 1,084 |
| Return on assets (ROA) | 1.3561% | 1,136 |
| Pretax return on assets | 2.1002% | 399 |
| Return on Equity (ROE) | 10.5320% | 1,756 |
| Retained earnings to average equity (ytd only) | -0.0473% | 5,313 |
| Net charge-offs to loans | -0.1230% | 5,642 |
| Credit loss provision to net charge-offs | -3.7602% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8334% | 5,255 |
| Assets per employee ($millions) | 4.3489% | 3,360 |
| Cash dividends to net income (ytd only)* | 100.4491% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 1,344 |
| Loan loss allowance to noncurrent loans | 86.5541% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2196% | 1,472 |
| Noncurrent loans to loans | 1.8624% | 1,005 |
| Net loans and leases to total assets | 64.4321% | 3,301 |
| Net loans and leases to deposits | 75.2320% | 3,389 |
| Net loans and leases to core deposits | 79.0320% | 3,475 |
| Total domestic deposits to total assets | 85.6446% | 2,757 |
| Equity capital to assets | 12.6940% | 1,403 |
| Core capital (leverage) ratio | 11.4478% | 1,971 |
| Tier 1 risk-based capital ratio | 14.5731% | 3,166 |
| Total risk-based capital ratio | 15.8246% | 3,097 |
| Memoranda: | ||
| Average total assets | $1,248,014,200 | 592 |
| Average earning assets | $1,123,571,600 | 596 |
| Average equity | $160,691,400 | 496 |
| Average total loans | $799,824,400 | 626 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,411 |
| Cost of funding earning assets | 0.1775% | 5,285 |
| Net interest margin | 3.7740% | 2,435 |
| Noninterest income to average assets | 1.1510% | 864 |
| Noninterest expense to average assets | 2.3914% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4277% | 1,008 |
| Return on assets (ROA) | 1.4277% | 1,061 |
| Pretax return on assets | 2.1623% | 417 |
| Return on Equity (ROE) | 11.0493% | 1,650 |
| Retained earnings to average equity (ytd only) | 2.7739% | 4,227 |
| Net charge-offs to loans | -0.1547% | 5,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5149% | 5,348 |
| Assets per employee ($millions) | 4.4023% | 3,245 |
| Cash dividends to net income (ytd only)* | 74.8952% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 1,411 |
| Loan loss allowance to noncurrent loans | 77.8998% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.3424% | 1,406 |
| Noncurrent loans to loans | 2.0789% | 929 |
| Net loans and leases to total assets | 63.3177% | 3,485 |
| Net loans and leases to deposits | 74.2853% | 3,572 |
| Net loans and leases to core deposits | 78.1196% | 3,654 |
| Total domestic deposits to total assets | 85.2358% | 2,702 |
| Equity capital to assets | 12.9327% | 1,523 |
| Core capital (leverage) ratio | 11.7560% | 1,837 |
| Tier 1 risk-based capital ratio | 14.9578% | 3,074 |
| Total risk-based capital ratio | 16.2093% | 3,001 |
| Memoranda: | ||
| Average total assets | $1,246,894,250 | 590 |
| Average earning assets | $1,124,215,250 | 597 |
| Average equity | $161,116,250 | 499 |
| Average total loans | $794,723,000 | 628 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 3,298 |
| Cost of funding earning assets | 0.1780% | 5,341 |
| Net interest margin | 3.8056% | 2,300 |
| Noninterest income to average assets | 1.1591% | 834 |
| Noninterest expense to average assets | 2.3820% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4499% | 968 |
| Return on assets (ROA) | 1.4499% | 1,024 |
| Pretax return on assets | 2.2135% | 372 |
| Return on Equity (ROE) | 11.2243% | 1,565 |
| Retained earnings to average equity (ytd only) | -1.2333% | 5,464 |
| Net charge-offs to loans | -0.0603% | 5,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8332% | 5,453 |
| Assets per employee ($millions) | 4.3069% | 3,353 |
| Cash dividends to net income (ytd only)* | 110.9878% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,650 |
| Loan loss allowance to noncurrent loans | 65.8462% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.5186% | 1,254 |
| Noncurrent loans to loans | 2.3684% | 759 |
| Net loans and leases to total assets | 62.8651% | 3,523 |
| Net loans and leases to deposits | 73.6050% | 3,637 |
| Net loans and leases to core deposits | 77.5314% | 3,683 |
| Total domestic deposits to total assets | 85.4087% | 2,683 |
| Equity capital to assets | 12.6971% | 1,662 |
| Core capital (leverage) ratio | 11.4099% | 2,056 |
| Tier 1 risk-based capital ratio | 14.4774% | 3,333 |
| Total risk-based capital ratio | 15.7279% | 3,262 |
| Memoranda: | ||
| Average total assets | $1,242,838,670 | 590 |
| Average earning assets | $1,122,253,670 | 599 |
| Average equity | $160,544,670 | 502 |
| Average total loans | $789,520,330 | 631 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 3,504 |
| Cost of funding earning assets | 0.1767% | 5,405 |
| Net interest margin | 3.7451% | 2,500 |
| Noninterest income to average assets | 1.2144% | 733 |
| Noninterest expense to average assets | 2.4121% | 4,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4371% | 972 |
| Return on assets (ROA) | 1.4371% | 1,017 |
| Pretax return on assets | 2.1943% | 382 |
| Return on Equity (ROE) | 11.0300% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.0300% | 647 |
| Net charge-offs to loans | -0.0952% | 5,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3639% | 5,492 |
| Assets per employee ($millions) | 4.4196% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 1,701 |
| Loan loss allowance to noncurrent loans | 70.1234% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.4165% | 1,464 |
| Noncurrent loans to loans | 2.2447% | 902 |
| Net loans and leases to total assets | 61.7158% | 3,564 |
| Net loans and leases to deposits | 74.0704% | 3,431 |
| Net loans and leases to core deposits | 78.0079% | 3,491 |
| Total domestic deposits to total assets | 83.3205% | 3,784 |
| Equity capital to assets | 13.0560% | 1,389 |
| Core capital (leverage) ratio | 12.1227% | 1,535 |
| Tier 1 risk-based capital ratio | 15.4504% | 2,948 |
| Total risk-based capital ratio | 16.7014% | 2,879 |
| Memoranda: | ||
| Average total assets | $1,239,759,000 | 590 |
| Average earning assets | $1,122,868,000 | 596 |
| Average equity | $161,523,500 | 498 |
| Average total loans | $785,469,000 | 633 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 3,341 |
| Cost of funding earning assets | 0.1834% | 5,418 |
| Net interest margin | 3.8086% | 2,342 |
| Noninterest income to average assets | 1.1032% | 966 |
| Noninterest expense to average assets | 2.4829% | 4,282 |
| Loan and lease loss provision to assets | -0.0348% | 5,706 |
| Net operating income to assets | 1.3697% | 1,101 |
| Return on assets (ROA) | 1.3697% | 1,149 |
| Pretax return on assets | 2.0868% | 447 |
| Return on Equity (ROE) | 10.3558% | 1,861 |
| Retained earnings to average equity (ytd only) | 0.3713% | 5,367 |
| Net charge-offs to loans | -0.1612% | 5,911 |
| Credit loss provision to net charge-offs | 34.2811% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7511% | 5,467 |
| Assets per employee ($millions) | 4.0812% | 3,793 |
| Cash dividends to net income (ytd only)* | 96.4146% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 1,775 |
| Loan loss allowance to noncurrent loans | 69.5214% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.4483% | 1,425 |
| Noncurrent loans to loans | 2.2388% | 872 |
| Net loans and leases to total assets | 63.0303% | 3,409 |
| Net loans and leases to deposits | 74.0722% | 3,486 |
| Net loans and leases to core deposits | 78.3307% | 3,509 |
| Total domestic deposits to total assets | 85.0932% | 3,049 |
| Equity capital to assets | 13.0005% | 1,346 |
| Core capital (leverage) ratio | 11.6698% | 1,836 |
| Tier 1 risk-based capital ratio | 14.8414% | 3,251 |
| Total risk-based capital ratio | 16.0919% | 3,189 |
| Memoranda: | ||
| Average total assets | $1,211,603,600 | 581 |
| Average earning assets | $1,091,705,000 | 589 |
| Average equity | $160,248,200 | 486 |
| Average total loans | $763,582,800 | 611 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 3,356 |
| Cost of funding earning assets | 0.1862% | 5,488 |
| Net interest margin | 3.8118% | 2,341 |
| Noninterest income to average assets | 1.1058% | 984 |
| Noninterest expense to average assets | 2.5071% | 4,176 |
| Loan and lease loss provision to assets | -0.1324% | 6,043 |
| Net operating income to assets | 1.4080% | 1,089 |
| Return on assets (ROA) | 1.4080% | 1,135 |
| Pretax return on assets | 2.1627% | 449 |
| Return on Equity (ROE) | 10.5996% | 1,863 |
| Retained earnings to average equity (ytd only) | 1.0474% | 5,296 |
| Net charge-offs to loans | -0.2438% | 6,043 |
| Credit loss provision to net charge-offs | 86.5177% | 2,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2548% | 5,429 |
| Assets per employee ($millions) | 4.1357% | 3,647 |
| Cash dividends to net income (ytd only)* | 90.1183% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 2,150 |
| Loan loss allowance to noncurrent loans | 69.3519% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4206% | 1,610 |
| Noncurrent loans to loans | 2.1661% | 1,028 |
| Net loans and leases to total assets | 62.8665% | 3,470 |
| Net loans and leases to deposits | 74.1599% | 3,532 |
| Net loans and leases to core deposits | 78.1917% | 3,592 |
| Total domestic deposits to total assets | 84.7715% | 3,102 |
| Equity capital to assets | 13.2663% | 1,321 |
| Core capital (leverage) ratio | 11.7534% | 1,852 |
| Tier 1 risk-based capital ratio | 16.1243% | 2,745 |
| Total risk-based capital ratio | 17.3757% | 2,694 |
| Memoranda: | ||
| Average total assets | $1,208,415,000 | 586 |
| Average earning assets | $1,087,878,750 | 595 |
| Average equity | $160,517,000 | 488 |
| Average total loans | $758,499,000 | 616 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 3,319 |
| Cost of funding earning assets | 0.1899% | 5,526 |
| Net interest margin | 3.8043% | 2,292 |
| Noninterest income to average assets | 1.0923% | 1,009 |
| Noninterest expense to average assets | 2.5014% | 4,239 |
| Loan and lease loss provision to assets | -0.2482% | 6,207 |
| Net operating income to assets | 1.4843% | 925 |
| Return on assets (ROA) | 1.4843% | 974 |
| Pretax return on assets | 2.2626% | 370 |
| Return on Equity (ROE) | 11.1692% | 1,627 |
| Retained earnings to average equity (ytd only) | 1.8304% | 4,783 |
| Net charge-offs to loans | -0.4830% | 6,199 |
| Credit loss provision to net charge-offs | 82.3271% | 2,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3919% | 5,482 |
| Assets per employee ($millions) | 4.0407% | 3,800 |
| Cash dividends to net income (ytd only)* | 83.6120% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 2,035 |
| Loan loss allowance to noncurrent loans | 97.6655% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 2,398 |
| Noncurrent loans to loans | 1.6024% | 1,638 |
| Net loans and leases to total assets | 60.7802% | 3,721 |
| Net loans and leases to deposits | 71.7691% | 3,741 |
| Net loans and leases to core deposits | 75.6472% | 3,804 |
| Total domestic deposits to total assets | 84.6885% | 3,253 |
| Equity capital to assets | 13.2240% | 1,291 |
| Core capital (leverage) ratio | 11.8758% | 1,730 |
| Tier 1 risk-based capital ratio | 16.5023% | 2,601 |
| Total risk-based capital ratio | 17.7542% | 2,557 |
| Memoranda: | ||
| Average total assets | $1,208,678,330 | 582 |
| Average earning assets | $1,087,710,670 | 594 |
| Average equity | $160,620,330 | 491 |
| Average total loans | $754,408,670 | 620 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9629% | 3,370 |
| Cost of funding earning assets | 0.2005% | 5,505 |
| Net interest margin | 3.7624% | 2,382 |
| Noninterest income to average assets | 1.0340% | 1,046 |
| Noninterest expense to average assets | 2.4101% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3317% | 1,178 |
| Return on assets (ROA) | 1.3317% | 1,258 |
| Pretax return on assets | 2.0071% | 578 |
| Return on Equity (ROE) | 9.9963% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.9963% | 929 |
| Net charge-offs to loans | 0.0042% | 3,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 757.0000% | 58 |
| Efficiency ratio | 54.5618% | 5,633 |
| Assets per employee ($millions) | 4.1527% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 2,389 |
| Loan loss allowance to noncurrent loans | 101.1551% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 2,366 |
| Noncurrent loans to loans | 1.4977% | 1,887 |
| Net loans and leases to total assets | 61.2378% | 3,490 |
| Net loans and leases to deposits | 72.6806% | 3,472 |
| Net loans and leases to core deposits | 76.5946% | 3,532 |
| Total domestic deposits to total assets | 84.2561% | 3,712 |
| Equity capital to assets | 13.4843% | 1,178 |
| Core capital (leverage) ratio | 12.1343% | 1,558 |
| Tier 1 risk-based capital ratio | 16.8280% | 2,543 |
| Total risk-based capital ratio | 18.0794% | 2,499 |
| Memoranda: | ||
| Average total assets | $1,206,914,000 | 581 |
| Average earning assets | $1,085,261,000 | 591 |
| Average equity | $160,779,500 | 493 |
| Average total loans | $757,365,000 | 612 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 3,090 |
| Cost of funding earning assets | 0.2336% | 5,482 |
| Net interest margin | 3.9252% | 2,140 |
| Noninterest income to average assets | 1.0126% | 1,188 |
| Noninterest expense to average assets | 2.5603% | 4,360 |
| Loan and lease loss provision to assets | 0.0252% | 4,098 |
| Net operating income to assets | 1.3169% | 1,272 |
| Return on assets (ROA) | 1.3169% | 1,313 |
| Pretax return on assets | 1.9229% | 604 |
| Return on Equity (ROE) | 9.8596% | 2,176 |
| Retained earnings to average equity (ytd only) | 0.7333% | 5,436 |
| Net charge-offs to loans | 0.0767% | 3,388 |
| Credit loss provision to net charge-offs | 51.1945% | 3,457 |
| Earnings coverage of net charge-offs (x) | 39.5461% | 1,097 |
| Efficiency ratio | 56.7891% | 5,588 |
| Assets per employee ($millions) | 4.1280% | 3,666 |
| Cash dividends to net income (ytd only)* | 92.5630% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4924% | 2,520 |
| Loan loss allowance to noncurrent loans | 94.8859% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.3937% | 1,999 |
| Noncurrent loans to loans | 1.5729% | 1,860 |
| Net loans and leases to total assets | 62.3809% | 3,454 |
| Net loans and leases to deposits | 74.1419% | 3,418 |
| Net loans and leases to core deposits | 78.2896% | 3,487 |
| Total domestic deposits to total assets | 84.1372% | 3,651 |
| Equity capital to assets | 13.1584% | 1,287 |
| Core capital (leverage) ratio | 11.8466% | 1,736 |
| Tier 1 risk-based capital ratio | 16.5905% | 2,677 |
| Total risk-based capital ratio | 17.8424% | 2,624 |
| Memoranda: | ||
| Average total assets | $1,189,538,600 | 568 |
| Average earning assets | $1,059,433,000 | 577 |
| Average equity | $158,881,200 | 482 |
| Average total loans | $764,121,000 | 574 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 3,108 |
| Cost of funding earning assets | 0.2377% | 5,536 |
| Net interest margin | 3.9271% | 2,131 |
| Noninterest income to average assets | 0.9828% | 1,275 |
| Noninterest expense to average assets | 2.5697% | 4,287 |
| Loan and lease loss provision to assets | 0.0337% | 3,732 |
| Net operating income to assets | 1.2579% | 1,506 |
| Return on assets (ROA) | 1.2579% | 1,562 |
| Pretax return on assets | 1.8722% | 759 |
| Return on Equity (ROE) | 9.3822% | 2,505 |
| Retained earnings to average equity (ytd only) | 1.4134% | 5,333 |
| Net charge-offs to loans | 0.0768% | 3,103 |
| Credit loss provision to net charge-offs | 68.1818% | 2,800 |
| Earnings coverage of net charge-offs (x) | 38.5183% | 1,164 |
| Efficiency ratio | 57.4149% | 5,521 |
| Assets per employee ($millions) | 4.0699% | 3,735 |
| Cash dividends to net income (ytd only)* | 84.9352% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 2,672 |
| Loan loss allowance to noncurrent loans | 81.7950% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.7441% | 1,713 |
| Noncurrent loans to loans | 1.8434% | 1,735 |
| Net loans and leases to total assets | 63.8569% | 3,194 |
| Net loans and leases to deposits | 76.2980% | 3,146 |
| Net loans and leases to core deposits | 80.9509% | 3,203 |
| Total domestic deposits to total assets | 83.6941% | 3,881 |
| Equity capital to assets | 13.4857% | 1,184 |
| Core capital (leverage) ratio | 11.9576% | 1,720 |
| Tier 1 risk-based capital ratio | 16.6665% | 2,740 |
| Total risk-based capital ratio | 17.9187% | 2,697 |
| Memoranda: | ||
| Average total assets | $1,185,576,000 | 563 |
| Average earning assets | $1,054,500,000 | 579 |
| Average equity | $158,949,000 | 479 |
| Average total loans | $764,320,250 | 571 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1685% | 3,074 |
| Cost of funding earning assets | 0.2426% | 5,560 |
| Net interest margin | 3.9259% | 2,064 |
| Noninterest income to average assets | 0.8388% | 1,706 |
| Noninterest expense to average assets | 2.5485% | 4,419 |
| Loan and lease loss provision to assets | 0.0505% | 3,293 |
| Net operating income to assets | 1.1675% | 1,698 |
| Return on assets (ROA) | 1.1675% | 1,765 |
| Pretax return on assets | 1.7232% | 972 |
| Return on Equity (ROE) | 8.7250% | 2,720 |
| Retained earnings to average equity (ytd only) | 1.1720% | 5,284 |
| Net charge-offs to loans | 0.1660% | 2,062 |
| Credit loss provision to net charge-offs | 47.3186% | 2,830 |
| Earnings coverage of net charge-offs (x) | 16.6088% | 1,782 |
| Efficiency ratio | 58.9634% | 5,435 |
| Assets per employee ($millions) | 4.0503% | 3,733 |
| Cash dividends to net income (ytd only)* | 86.5676% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 3,008 |
| Loan loss allowance to noncurrent loans | 108.5758% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 2,020 |
| Noncurrent loans to loans | 1.3589% | 2,539 |
| Net loans and leases to total assets | 63.3987% | 3,179 |
| Net loans and leases to deposits | 75.5361% | 3,117 |
| Net loans and leases to core deposits | 79.2182% | 3,301 |
| Total domestic deposits to total assets | 83.9316% | 3,942 |
| Equity capital to assets | 13.2699% | 1,235 |
| Core capital (leverage) ratio | 11.9160% | 1,710 |
| Tier 1 risk-based capital ratio | 16.4164% | 2,871 |
| Total risk-based capital ratio | 17.6681% | 2,826 |
| Memoranda: | ||
| Average total assets | $1,187,346,670 | 563 |
| Average earning assets | $1,053,512,000 | 576 |
| Average equity | $158,876,330 | 477 |
| Average total loans | $764,021,000 | 568 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 3,141 |
| Cost of funding earning assets | 0.2493% | 5,586 |
| Net interest margin | 3.8884% | 2,125 |
| Noninterest income to average assets | 0.7945% | 1,775 |
| Noninterest expense to average assets | 2.5157% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1754% | 1,549 |
| Return on assets (ROA) | 1.1754% | 1,617 |
| Pretax return on assets | 1.7361% | 904 |
| Return on Equity (ROE) | 8.7476% | 2,573 |
| Retained earnings to average equity (ytd only) | 8.7476% | 1,327 |
| Net charge-offs to loans | 0.0021% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1,284.2500% | 17 |
| Efficiency ratio | 59.1686% | 5,514 |
| Assets per employee ($millions) | 4.1060% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 2,988 |
| Loan loss allowance to noncurrent loans | 93.5942% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.8322% | 1,900 |
| Noncurrent loans to loans | 1.6423% | 2,369 |
| Net loans and leases to total assets | 63.0188% | 3,070 |
| Net loans and leases to deposits | 75.6053% | 2,857 |
| Net loans and leases to core deposits | 79.8925% | 2,984 |
| Total domestic deposits to total assets | 83.3524% | 4,486 |
| Equity capital to assets | 13.5688% | 1,079 |
| Core capital (leverage) ratio | 12.2132% | 1,527 |
| Tier 1 risk-based capital ratio | 17.0771% | 2,657 |
| Total risk-based capital ratio | 18.3296% | 2,603 |
| Memoranda: | ||
| Average total assets | $1,183,606,000 | 572 |
| Average earning assets | $1,052,348,500 | 583 |
| Average equity | $159,038,000 | 480 |
| Average total loans | $761,607,000 | 576 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 1,954 |
| Cost of funding earning assets | 0.2994% | 5,601 |
| Net interest margin | 4.2730% | 1,168 |
| Noninterest income to average assets | 1.2070% | 968 |
| Noninterest expense to average assets | 2.4943% | 4,780 |
| Loan and lease loss provision to assets | 0.0993% | 3,147 |
| Net operating income to assets | 1.5782% | 722 |
| Return on assets (ROA) | 1.5782% | 746 |
| Pretax return on assets | 2.3868% | 233 |
| Return on Equity (ROE) | 11.6238% | 1,545 |
| Retained earnings to average equity (ytd only) | -0.1482% | 5,901 |
| Net charge-offs to loans | -0.0076% | 5,987 |
| Credit loss provision to net charge-offs | -1,852.6316% | 6,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0831% | 6,394 |
| Assets per employee ($millions) | 3.9820% | 3,898 |
| Cash dividends to net income (ytd only)* | 101.2749% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 3,039 |
| Loan loss allowance to noncurrent loans | 86.8019% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 2.0564% | 1,743 |
| Noncurrent loans to loans | 1.7666% | 2,281 |
| Net loans and leases to total assets | 65.4092% | 2,787 |
| Net loans and leases to deposits | 78.5590% | 2,653 |
| Net loans and leases to core deposits | 83.1602% | 2,759 |
| Total domestic deposits to total assets | 83.2612% | 4,446 |
| Equity capital to assets | 13.4648% | 1,082 |
| Core capital (leverage) ratio | 11.8951% | 1,680 |
| Tier 1 risk-based capital ratio | 16.1573% | 3,026 |
| Total risk-based capital ratio | 17.4101% | 2,981 |
| Memoranda: | ||
| Average total assets | $1,063,612,400 | 621 |
| Average earning assets | $939,255,200 | 632 |
| Average equity | $144,410,800 | 503 |
| Average total loans | $750,028,800 | 563 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,677 |
| Cost of funding earning assets | 0.3105% | 5,639 |
| Net interest margin | 4.3598% | 968 |
| Noninterest income to average assets | 1.1994% | 1,018 |
| Noninterest expense to average assets | 2.5063% | 4,700 |
| Loan and lease loss provision to assets | 0.1326% | 2,622 |
| Net operating income to assets | 1.5813% | 775 |
| Return on assets (ROA) | 1.5813% | 823 |
| Pretax return on assets | 2.3973% | 273 |
| Return on Equity (ROE) | 11.6221% | 1,612 |
| Retained earnings to average equity (ytd only) | -0.3766% | 6,018 |
| Net charge-offs to loans | -0.0258% | 6,122 |
| Credit loss provision to net charge-offs | -718.3673% | 6,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7656% | 6,412 |
| Assets per employee ($millions) | 4.0621% | 3,716 |
| Cash dividends to net income (ytd only)* | 103.2402% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 3,311 |
| Loan loss allowance to noncurrent loans | 81.5795% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 2.2420% | 1,767 |
| Noncurrent loans to loans | 1.8812% | 2,397 |
| Net loans and leases to total assets | 66.0696% | 2,626 |
| Net loans and leases to deposits | 79.4126% | 2,489 |
| Net loans and leases to core deposits | 84.0964% | 2,645 |
| Total domestic deposits to total assets | 83.1979% | 4,500 |
| Equity capital to assets | 13.4804% | 1,123 |
| Core capital (leverage) ratio | 12.0535% | 1,641 |
| Tier 1 risk-based capital ratio | 16.0341% | 3,174 |
| Total risk-based capital ratio | 17.2869% | 3,133 |
| Memoranda: | ||
| Average total assets | $1,061,727,500 | 625 |
| Average earning assets | $934,355,750 | 641 |
| Average equity | $144,456,500 | 511 |
| Average total loans | $759,650,250 | 553 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 1,413 |
| Cost of funding earning assets | 0.3239% | 5,628 |
| Net interest margin | 4.4404% | 789 |
| Noninterest income to average assets | 1.3193% | 896 |
| Noninterest expense to average assets | 2.4762% | 4,812 |
| Loan and lease loss provision to assets | 0.1993% | 1,906 |
| Net operating income to assets | 1.6764% | 653 |
| Return on assets (ROA) | 1.6764% | 713 |
| Pretax return on assets | 2.5510% | 261 |
| Return on Equity (ROE) | 12.2833% | 1,408 |
| Retained earnings to average equity (ytd only) | -0.1646% | 5,882 |
| Net charge-offs to loans | -0.0563% | 6,309 |
| Credit loss provision to net charge-offs | -484.4037% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3779% | 6,576 |
| Assets per employee ($millions) | 3.8422% | 4,128 |
| Cash dividends to net income (ytd only)* | 101.3399% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 3,721 |
| Loan loss allowance to noncurrent loans | 89.6228% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 2.2586% | 1,919 |
| Noncurrent loans to loans | 1.6403% | 2,857 |
| Net loans and leases to total assets | 70.4899% | 1,802 |
| Net loans and leases to deposits | 85.3355% | 1,643 |
| Net loans and leases to core deposits | 90.3019% | 1,887 |
| Total domestic deposits to total assets | 82.6032% | 4,852 |
| Equity capital to assets | 13.7019% | 1,054 |
| Core capital (leverage) ratio | 11.9902% | 1,618 |
| Tier 1 risk-based capital ratio | 15.5070% | 3,477 |
| Total risk-based capital ratio | 16.7592% | 3,430 |
| Memoranda: | ||
| Average total assets | $1,059,525,000 | 625 |
| Average earning assets | $932,304,000 | 641 |
| Average equity | $144,603,330 | 514 |
| Average total loans | $773,918,330 | 537 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7971% | 1,295 |
| Cost of funding earning assets | 0.3345% | 5,681 |
| Net interest margin | 4.4626% | 724 |
| Noninterest income to average assets | 1.2750% | 938 |
| Noninterest expense to average assets | 2.4047% | 5,104 |
| Loan and lease loss provision to assets | 0.4140% | 737 |
| Net operating income to assets | 1.5629% | 754 |
| Return on assets (ROA) | 1.5629% | 820 |
| Pretax return on assets | 2.3618% | 323 |
| Return on Equity (ROE) | 11.4739% | 1,569 |
| Retained earnings to average equity (ytd only) | 0.4227% | 5,652 |
| Net charge-offs to loans | -0.0326% | 5,934 |
| Credit loss provision to net charge-offs | -1,718.7500% | 5,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4187% | 6,675 |
| Assets per employee ($millions) | 3.9149% | 4,133 |
| Cash dividends to net income (ytd only)* | 96.3159% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 4,194 |
| Loan loss allowance to noncurrent loans | 98.0238% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 2.4683% | 1,869 |
| Noncurrent loans to loans | 1.4354% | 3,414 |
| Net loans and leases to total assets | 72.4018% | 1,292 |
| Net loans and leases to deposits | 87.8929% | 1,158 |
| Net loans and leases to core deposits | 92.5128% | 1,454 |
| Total domestic deposits to total assets | 82.3750% | 5,066 |
| Equity capital to assets | 13.6526% | 1,159 |
| Core capital (leverage) ratio | 12.1528% | 1,488 |
| Tier 1 risk-based capital ratio | 15.0304% | 3,821 |
| Total risk-based capital ratio | 16.2817% | 3,773 |
| Memoranda: | ||
| Average total assets | $1,062,904,000 | 630 |
| Average earning assets | $930,225,000 | 648 |
| Average equity | $144,780,500 | 518 |
| Average total loans | $784,294,500 | 528 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 1,934 |
| Cost of funding earning assets | 0.3990% | 5,925 |
| Net interest margin | 4.4738% | 991 |
| Noninterest income to average assets | 1.1026% | 1,276 |
| Noninterest expense to average assets | 2.5442% | 4,949 |
| Loan and lease loss provision to assets | 0.6124% | 893 |
| Net operating income to assets | 1.2939% | 1,321 |
| Return on assets (ROA) | 1.2939% | 1,474 |
| Pretax return on assets | 1.8751% | 784 |
| Return on Equity (ROE) | 9.5449% | 2,388 |
| Retained earnings to average equity (ytd only) | 0.2338% | 5,734 |
| Net charge-offs to loans | 1.2009% | 837 |
| Credit loss provision to net charge-offs | 70.3696% | 4,148 |
| Earnings coverage of net charge-offs (x) | 2.8583% | 4,006 |
| Efficiency ratio | 50.5639% | 6,551 |
| Assets per employee ($millions) | 3.7495% | 4,473 |
| Cash dividends to net income (ytd only)* | 97.5504% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 4,925 |
| Loan loss allowance to noncurrent loans | 75.5436% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 3.0975% | 1,520 |
| Noncurrent loans to loans | 1.6429% | 3,157 |
| Net loans and leases to total assets | 73.2194% | 1,297 |
| Net loans and leases to deposits | 88.7318% | 1,194 |
| Net loans and leases to core deposits | 93.5528% | 1,506 |
| Total domestic deposits to total assets | 82.5176% | 4,925 |
| Equity capital to assets | 13.5900% | 1,196 |
| Core capital (leverage) ratio | 12.1960% | 1,454 |
| Tier 1 risk-based capital ratio | 14.8408% | 3,811 |
| Total risk-based capital ratio | 16.0279% | 3,799 |
| Memoranda: | ||
| Average total assets | $1,069,551,400 | 614 |
| Average earning assets | $939,341,600 | 633 |
| Average equity | $144,988,600 | 503 |
| Average total loans | $775,116,000 | 528 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8219% | 2,308 |
| Cost of funding earning assets | 0.4103% | 6,061 |
| Net interest margin | 4.4116% | 1,180 |
| Noninterest income to average assets | 1.0304% | 1,424 |
| Noninterest expense to average assets | 2.5226% | 5,009 |
| Loan and lease loss provision to assets | 0.6911% | 737 |
| Net operating income to assets | 1.1583% | 1,875 |
| Return on assets (ROA) | 1.1583% | 2,069 |
| Pretax return on assets | 1.7090% | 1,242 |
| Return on Equity (ROE) | 8.5500% | 3,020 |
| Retained earnings to average equity (ytd only) | 2.5755% | 5,022 |
| Net charge-offs to loans | 1.1055% | 920 |
| Credit loss provision to net charge-offs | 86.7594% | 3,402 |
| Earnings coverage of net charge-offs (x) | 3.0130% | 3,828 |
| Efficiency ratio | 51.2446% | 6,509 |
| Assets per employee ($millions) | 3.8777% | 4,137 |
| Cash dividends to net income (ytd only)* | 69.8774% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 4,074 |
| Loan loss allowance to noncurrent loans | 65.0067% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 3.8616% | 1,272 |
| Noncurrent loans to loans | 2.2584% | 2,547 |
| Net loans and leases to total assets | 73.4290% | 1,333 |
| Net loans and leases to deposits | 93.6364% | 818 |
| Net loans and leases to core deposits | 98.8846% | 1,199 |
| Total domestic deposits to total assets | 78.4194% | 5,987 |
| Equity capital to assets | 13.7534% | 1,252 |
| Core capital (leverage) ratio | 12.4682% | 1,425 |
| Tier 1 risk-based capital ratio | 14.9709% | 3,868 |
| Total risk-based capital ratio | 16.2227% | 3,819 |
| Memoranda: | ||
| Average total assets | $1,070,724,500 | 614 |
| Average earning assets | $944,662,750 | 633 |
| Average equity | $145,057,250 | 497 |
| Average total loans | $771,524,750 | 522 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 2,578 |
| Cost of funding earning assets | 0.4246% | 6,132 |
| Net interest margin | 4.3567% | 1,318 |
| Noninterest income to average assets | 0.9951% | 1,480 |
| Noninterest expense to average assets | 2.4641% | 5,251 |
| Loan and lease loss provision to assets | 0.5696% | 1,069 |
| Net operating income to assets | 1.2216% | 1,636 |
| Return on assets (ROA) | 1.2216% | 1,829 |
| Pretax return on assets | 1.8250% | 990 |
| Return on Equity (ROE) | 9.0630% | 2,790 |
| Retained earnings to average equity (ytd only) | 0.0568% | 6,019 |
| Net charge-offs to loans | 1.3722% | 750 |
| Credit loss provision to net charge-offs | 58.2728% | 3,847 |
| Earnings coverage of net charge-offs (x) | 2.4498% | 3,777 |
| Efficiency ratio | 50.7149% | 6,594 |
| Assets per employee ($millions) | 3.7895% | 4,340 |
| Cash dividends to net income (ytd only)* | 99.3732% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,680 |
| Loan loss allowance to noncurrent loans | 48.9800% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 3.8722% | 1,341 |
| Noncurrent loans to loans | 2.7485% | 2,187 |
| Net loans and leases to total assets | 70.8752% | 1,761 |
| Net loans and leases to deposits | 85.8790% | 1,614 |
| Net loans and leases to core deposits | 90.5181% | 1,933 |
| Total domestic deposits to total assets | 82.5291% | 4,941 |
| Equity capital to assets | 13.4648% | 1,319 |
| Core capital (leverage) ratio | 12.2159% | 1,492 |
| Tier 1 risk-based capital ratio | 14.9760% | 3,784 |
| Total risk-based capital ratio | 16.2262% | 3,733 |
| Memoranda: | ||
| Average total assets | $1,070,888,670 | 617 |
| Average earning assets | $949,707,000 | 630 |
| Average equity | $144,345,330 | 497 |
| Average total loans | $762,843,000 | 527 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 2,480 |
| Cost of funding earning assets | 0.4473% | 6,162 |
| Net interest margin | 4.3943% | 1,238 |
| Noninterest income to average assets | 0.8283% | 2,040 |
| Noninterest expense to average assets | 2.4132% | 5,428 |
| Loan and lease loss provision to assets | 0.7289% | 702 |
| Net operating income to assets | 1.0915% | 2,129 |
| Return on assets (ROA) | 1.0915% | 2,315 |
| Pretax return on assets | 1.6010% | 1,575 |
| Return on Equity (ROE) | 8.0933% | 3,244 |
| Retained earnings to average equity (ytd only) | -0.2217% | 6,031 |
| Net charge-offs to loans | 0.4042% | 2,091 |
| Credit loss provision to net charge-offs | 254.2373% | 1,125 |
| Earnings coverage of net charge-offs (x) | 8.1265% | 1,996 |
| Efficiency ratio | 50.8787% | 6,618 |
| Assets per employee ($millions) | 3.8043% | 4,411 |
| Cash dividends to net income (ytd only)* | 102.7397% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 2,939 |
| Loan loss allowance to noncurrent loans | 130.6237% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 2.8413% | 2,059 |
| Noncurrent loans to loans | 1.3897% | 4,025 |
| Net loans and leases to total assets | 69.5116% | 1,836 |
| Net loans and leases to deposits | 84.6250% | 1,584 |
| Net loans and leases to core deposits | 90.1631% | 1,837 |
| Total domestic deposits to total assets | 82.1408% | 5,247 |
| Equity capital to assets | 13.4932% | 1,243 |
| Core capital (leverage) ratio | 12.1047% | 1,529 |
| Tier 1 risk-based capital ratio | 15.4377% | 3,479 |
| Total risk-based capital ratio | 16.6935% | 3,447 |
| Memoranda: | ||
| Average total assets | $1,070,112,000 | 620 |
| Average earning assets | $953,319,000 | 630 |
| Average equity | $144,317,000 | 495 |
| Average total loans | $759,031,000 | 531 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0365% | 2,732 |
| Cost of funding earning assets | 0.5794% | 6,192 |
| Net interest margin | 4.4570% | 1,239 |
| Noninterest income to average assets | 1.0185% | 1,311 |
| Noninterest expense to average assets | 2.5393% | 5,326 |
| Loan and lease loss provision to assets | 1.0599% | 869 |
| Net operating income to assets | 1.0689% | 1,928 |
| Return on assets (ROA) | 1.0689% | 2,069 |
| Pretax return on assets | 1.3818% | 1,837 |
| Return on Equity (ROE) | 8.0150% | 2,890 |
| Retained earnings to average equity (ytd only) | 1.3289% | 5,228 |
| Net charge-offs to loans | 1.3578% | 1,218 |
| Credit loss provision to net charge-offs | 108.7428% | 3,098 |
| Earnings coverage of net charge-offs (x) | 2.5050% | 3,959 |
| Efficiency ratio | 50.0683% | 6,830 |
| Assets per employee ($millions) | 3.7852% | 4,355 |
| Cash dividends to net income (ytd only)* | 83.4193% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 3,381 |
| Loan loss allowance to noncurrent loans | 124.2799% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 2.8507% | 2,120 |
| Noncurrent loans to loans | 1.3272% | 4,159 |
| Net loans and leases to total assets | 69.8909% | 2,055 |
| Net loans and leases to deposits | 85.0688% | 1,799 |
| Net loans and leases to core deposits | 91.5312% | 1,938 |
| Total domestic deposits to total assets | 82.1581% | 5,075 |
| Equity capital to assets | 13.4791% | 1,275 |
| Core capital (leverage) ratio | 11.9907% | 1,598 |
| Tier 1 risk-based capital ratio | 15.6189% | 3,256 |
| Total risk-based capital ratio | 16.8734% | 3,210 |
| Memoranda: | ||
| Average total assets | $1,087,811,600 | 597 |
| Average earning assets | $967,126,000 | 612 |
| Average equity | $145,077,400 | 481 |
| Average total loans | $780,880,400 | 523 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 2,762 |
| Cost of funding earning assets | 0.6061% | 6,261 |
| Net interest margin | 4.4614% | 1,242 |
| Noninterest income to average assets | 1.0363% | 1,259 |
| Noninterest expense to average assets | 2.5520% | 5,272 |
| Loan and lease loss provision to assets | 0.9194% | 965 |
| Net operating income to assets | 1.1772% | 1,723 |
| Return on assets (ROA) | 1.1772% | 1,840 |
| Pretax return on assets | 1.5281% | 1,583 |
| Return on Equity (ROE) | 8.8498% | 2,676 |
| Retained earnings to average equity (ytd only) | 4.2602% | 3,695 |
| Net charge-offs to loans | 1.4319% | 1,031 |
| Credit loss provision to net charge-offs | 89.2286% | 3,795 |
| Earnings coverage of net charge-offs (x) | 2.3753% | 3,939 |
| Efficiency ratio | 50.0586% | 6,825 |
| Assets per employee ($millions) | 3.8917% | 4,090 |
| Cash dividends to net income (ytd only)* | 51.8618% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 4,747 |
| Loan loss allowance to noncurrent loans | 46.9516% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 4.1283% | 1,483 |
| Noncurrent loans to loans | 2.8889% | 2,417 |
| Net loans and leases to total assets | 72.3194% | 1,641 |
| Net loans and leases to deposits | 88.2867% | 1,398 |
| Net loans and leases to core deposits | 96.0997% | 1,600 |
| Total domestic deposits to total assets | 81.9142% | 5,129 |
| Equity capital to assets | 13.6507% | 1,307 |
| Core capital (leverage) ratio | 12.0351% | 1,686 |
| Tier 1 risk-based capital ratio | 15.4389% | 3,419 |
| Total risk-based capital ratio | 16.6901% | 3,390 |
| Memoranda: | ||
| Average total assets | $1,091,963,000 | 606 |
| Average earning assets | $970,040,250 | 616 |
| Average equity | $145,249,500 | 489 |
| Average total loans | $785,792,750 | 526 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1075% | 2,645 |
| Cost of funding earning assets | 0.6323% | 6,308 |
| Net interest margin | 4.4752% | 1,191 |
| Noninterest income to average assets | 1.0332% | 1,241 |
| Noninterest expense to average assets | 2.5196% | 5,458 |
| Loan and lease loss provision to assets | 0.4468% | 2,192 |
| Net operating income to assets | 1.3531% | 1,188 |
| Return on assets (ROA) | 1.3531% | 1,258 |
| Pretax return on assets | 2.0399% | 548 |
| Return on Equity (ROE) | 10.2604% | 2,028 |
| Retained earnings to average equity (ytd only) | 3.3454% | 4,132 |
| Net charge-offs to loans | 0.1828% | 4,067 |
| Credit loss provision to net charge-offs | 341.7015% | 894 |
| Earnings coverage of net charge-offs (x) | 19.0167% | 1,233 |
| Efficiency ratio | 49.3443% | 6,983 |
| Assets per employee ($millions) | 3.8822% | 4,034 |
| Cash dividends to net income (ytd only)* | 67.3945% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6875% | 3,370 |
| Loan loss allowance to noncurrent loans | 67.4474% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 3.8899% | 1,662 |
| Noncurrent loans to loans | 2.5019% | 2,885 |
| Net loans and leases to total assets | 70.3579% | 2,144 |
| Net loans and leases to deposits | 85.3198% | 1,889 |
| Net loans and leases to core deposits | 96.2964% | 1,648 |
| Total domestic deposits to total assets | 82.4638% | 4,998 |
| Equity capital to assets | 13.1027% | 1,467 |
| Core capital (leverage) ratio | 11.6129% | 1,838 |
| Tier 1 risk-based capital ratio | 15.1249% | 3,436 |
| Total risk-based capital ratio | 16.3797% | 3,398 |
| Memoranda: | ||
| Average total assets | $1,096,617,670 | 610 |
| Average earning assets | $973,585,000 | 618 |
| Average equity | $144,614,670 | 491 |
| Average total loans | $784,283,000 | 536 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 2,536 |
| Cost of funding earning assets | 0.6652% | 6,314 |
| Net interest margin | 4.4598% | 1,151 |
| Noninterest income to average assets | 1.0226% | 1,262 |
| Noninterest expense to average assets | 2.4809% | 5,623 |
| Loan and lease loss provision to assets | 0.3664% | 2,370 |
| Net operating income to assets | 1.4649% | 948 |
| Return on assets (ROA) | 1.4649% | 988 |
| Pretax return on assets | 2.1401% | 443 |
| Return on Equity (ROE) | 11.0721% | 1,715 |
| Retained earnings to average equity (ytd only) | 11.0721% | 888 |
| Net charge-offs to loans | 0.0282% | 4,695 |
| Credit loss provision to net charge-offs | 1,818.1818% | 216 |
| Earnings coverage of net charge-offs (x) | 124.3818% | 256 |
| Efficiency ratio | 48.7511% | 7,083 |
| Assets per employee ($millions) | 3.9576% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 3,715 |
| Loan loss allowance to noncurrent loans | 65.1199% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 4.0555% | 1,652 |
| Noncurrent loans to loans | 2.4605% | 3,035 |
| Net loans and leases to total assets | 70.4389% | 2,048 |
| Net loans and leases to deposits | 84.7386% | 1,922 |
| Net loans and leases to core deposits | 97.0637% | 1,588 |
| Total domestic deposits to total assets | 83.1249% | 4,880 |
| Equity capital to assets | 13.3548% | 1,240 |
| Core capital (leverage) ratio | 12.0024% | 1,566 |
| Tier 1 risk-based capital ratio | 15.3679% | 3,227 |
| Total risk-based capital ratio | 16.6216% | 3,187 |
| Memoranda: | ||
| Average total assets | $1,091,707,500 | 620 |
| Average earning assets | $970,528,500 | 628 |
| Average equity | $144,435,500 | 487 |
| Average total loans | $780,510,000 | 550 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 3,672 |
| Cost of funding earning assets | 0.8643% | 6,323 |
| Net interest margin | 4.3225% | 1,743 |
| Noninterest income to average assets | 0.9086% | 1,826 |
| Noninterest expense to average assets | 2.7806% | 4,671 |
| Loan and lease loss provision to assets | 0.3712% | 3,901 |
| Net operating income to assets | 1.1159% | 1,657 |
| Return on assets (ROA) | 1.1159% | 1,738 |
| Pretax return on assets | 1.6218% | 1,080 |
| Return on Equity (ROE) | 8.2650% | 2,597 |
| Retained earnings to average equity (ytd only) | -0.4073% | 5,690 |
| Net charge-offs to loans | 0.3724% | 4,173 |
| Credit loss provision to net charge-offs | 136.2792% | 2,824 |
| Earnings coverage of net charge-offs (x) | 7.3167% | 2,157 |
| Efficiency ratio | 57.1916% | 6,435 |
| Assets per employee ($millions) | 3.9389% | 3,917 |
| Cash dividends to net income (ytd only)* | 104.9274% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 4,024 |
| Loan loss allowance to noncurrent loans | 93.7671% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 3.4678% | 2,008 |
| Noncurrent loans to loans | 1.5977% | 4,102 |
| Net loans and leases to total assets | 70.3326% | 2,453 |
| Net loans and leases to deposits | 84.2980% | 2,405 |
| Net loans and leases to core deposits | 96.9216% | 1,903 |
| Total domestic deposits to total assets | 83.4333% | 4,634 |
| Equity capital to assets | 13.1047% | 1,346 |
| Core capital (leverage) ratio | 11.6661% | 1,749 |
| Tier 1 risk-based capital ratio | 15.1237% | 3,185 |
| Total risk-based capital ratio | 16.3758% | 3,127 |
| Memoranda: | ||
| Average total assets | $1,067,571,400 | 628 |
| Average earning assets | $954,582,600 | 628 |
| Average equity | $144,137,200 | 480 |
| Average total loans | $780,978,600 | 556 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2029% | 3,813 |
| Cost of funding earning assets | 0.8916% | 6,426 |
| Net interest margin | 4.3113% | 1,812 |
| Noninterest income to average assets | 0.8758% | 1,889 |
| Noninterest expense to average assets | 2.7719% | 4,593 |
| Loan and lease loss provision to assets | 0.4094% | 3,448 |
| Net operating income to assets | 1.0854% | 1,944 |
| Return on assets (ROA) | 1.0854% | 2,056 |
| Pretax return on assets | 1.5523% | 1,473 |
| Return on Equity (ROE) | 7.9792% | 2,908 |
| Retained earnings to average equity (ytd only) | 3.3675% | 4,079 |
| Net charge-offs to loans | 0.4505% | 3,499 |
| Credit loss provision to net charge-offs | 123.4582% | 3,322 |
| Earnings coverage of net charge-offs (x) | 5.9156% | 2,644 |
| Efficiency ratio | 57.4878% | 6,347 |
| Assets per employee ($millions) | 3.8077% | 4,245 |
| Cash dividends to net income (ytd only)* | 57.7968% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 4,304 |
| Loan loss allowance to noncurrent loans | 76.0824% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 3.4884% | 2,045 |
| Noncurrent loans to loans | 1.8812% | 3,825 |
| Net loans and leases to total assets | 71.7959% | 2,298 |
| Net loans and leases to deposits | 87.0175% | 2,148 |
| Net loans and leases to core deposits | 100.3988% | 1,817 |
| Total domestic deposits to total assets | 82.5074% | 4,801 |
| Equity capital to assets | 13.6755% | 1,285 |
| Core capital (leverage) ratio | 12.2255% | 1,553 |
| Tier 1 risk-based capital ratio | 15.3798% | 3,057 |
| Total risk-based capital ratio | 16.6327% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,062,677,250 | 627 |
| Average earning assets | $950,904,750 | 627 |
| Average equity | $144,554,750 | 468 |
| Average total loans | $782,161,250 | 553 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2051% | 3,930 |
| Cost of funding earning assets | 0.9234% | 6,487 |
| Net interest margin | 4.2817% | 1,847 |
| Noninterest income to average assets | 0.9842% | 1,424 |
| Noninterest expense to average assets | 2.6786% | 4,998 |
| Loan and lease loss provision to assets | 0.4910% | 2,842 |
| Net operating income to assets | 1.1012% | 1,849 |
| Return on assets (ROA) | 1.1012% | 1,919 |
| Pretax return on assets | 1.6493% | 1,166 |
| Return on Equity (ROE) | 8.1103% | 2,846 |
| Retained earnings to average equity (ytd only) | 1.1558% | 5,288 |
| Net charge-offs to loans | 0.6147% | 2,688 |
| Credit loss provision to net charge-offs | 108.1531% | 3,765 |
| Earnings coverage of net charge-offs (x) | 4.7142% | 2,871 |
| Efficiency ratio | 54.5266% | 6,814 |
| Assets per employee ($millions) | 3.6306% | 4,632 |
| Cash dividends to net income (ytd only)* | 85.7486% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 4,558 |
| Loan loss allowance to noncurrent loans | 48.3458% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 3.4235% | 2,058 |
| Noncurrent loans to loans | 2.8423% | 2,815 |
| Net loans and leases to total assets | 73.4175% | 2,057 |
| Net loans and leases to deposits | 89.0554% | 1,992 |
| Net loans and leases to core deposits | 101.1395% | 1,908 |
| Total domestic deposits to total assets | 82.4403% | 4,804 |
| Equity capital to assets | 13.6804% | 1,278 |
| Core capital (leverage) ratio | 11.9275% | 1,684 |
| Tier 1 risk-based capital ratio | 15.1067% | 3,101 |
| Total risk-based capital ratio | 16.3574% | 3,061 |
| Memoranda: | ||
| Average total assets | $1,058,983,330 | 627 |
| Average earning assets | $948,453,000 | 629 |
| Average equity | $143,792,330 | 471 |
| Average total loans | $782,178,670 | 560 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2310% | 3,875 |
| Cost of funding earning assets | 0.9300% | 6,658 |
| Net interest margin | 4.3009% | 1,690 |
| Noninterest income to average assets | 1.0116% | 1,259 |
| Noninterest expense to average assets | 2.6101% | 5,317 |
| Loan and lease loss provision to assets | 0.3766% | 3,110 |
| Net operating income to assets | 1.2361% | 1,441 |
| Return on assets (ROA) | 1.2361% | 1,515 |
| Pretax return on assets | 1.8674% | 780 |
| Return on Equity (ROE) | 9.1376% | 2,446 |
| Retained earnings to average equity (ytd only) | 3.5693% | 4,011 |
| Net charge-offs to loans | 0.9644% | 1,688 |
| Credit loss provision to net charge-offs | 53.0786% | 4,435 |
| Earnings coverage of net charge-offs (x) | 3.1624% | 2,998 |
| Efficiency ratio | 52.7235% | 7,081 |
| Assets per employee ($millions) | 3.7469% | 4,441 |
| Cash dividends to net income (ytd only)* | 60.9385% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 5,292 |
| Loan loss allowance to noncurrent loans | 38.9110% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 3.3211% | 2,155 |
| Noncurrent loans to loans | 3.1801% | 2,513 |
| Net loans and leases to total assets | 72.4258% | 2,350 |
| Net loans and leases to deposits | 87.6641% | 2,289 |
| Net loans and leases to core deposits | 101.4008% | 1,982 |
| Total domestic deposits to total assets | 82.6174% | 4,790 |
| Equity capital to assets | 13.5131% | 1,321 |
| Core capital (leverage) ratio | 12.1283% | 1,582 |
| Tier 1 risk-based capital ratio | 15.2400% | 2,985 |
| Total risk-based capital ratio | 16.4178% | 2,990 |
| Memoranda: | ||
| Average total assets | $1,062,037,500 | 639 |
| Average earning assets | $948,814,000 | 645 |
| Average equity | $143,670,000 | 474 |
| Average total loans | $781,385,500 | 580 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 3,949 |
| Cost of funding earning assets | 1.1988% | 6,662 |
| Net interest margin | 4.3369% | 1,612 |
| Noninterest income to average assets | 0.9845% | 1,630 |
| Noninterest expense to average assets | 2.8560% | 4,718 |
| Loan and lease loss provision to assets | 0.9667% | 2,334 |
| Net operating income to assets | 0.8106% | 2,493 |
| Return on assets (ROA) | 0.8491% | 2,434 |
| Pretax return on assets | 1.0431% | 2,444 |
| Return on Equity (ROE) | 5.9696% | 3,222 |
| Retained earnings to average equity (ytd only) | -0.5858% | 5,136 |
| Net charge-offs to loans | 1.0255% | 2,360 |
| Credit loss provision to net charge-offs | 126.3955% | 4,118 |
| Earnings coverage of net charge-offs (x) | 2.5656% | 3,835 |
| Efficiency ratio | 58.1762% | 6,736 |
| Assets per employee ($millions) | 3.6802% | 4,568 |
| Cash dividends to net income (ytd only)* | 109.8139% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 4,448 |
| Loan loss allowance to noncurrent loans | 46.8976% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 3.4210% | 1,975 |
| Noncurrent loans to loans | 2.8918% | 2,671 |
| Net loans and leases to total assets | 72.8167% | 2,551 |
| Net loans and leases to deposits | 88.2307% | 2,521 |
| Net loans and leases to core deposits | 111.9385% | 2,703 |
| Total domestic deposits to total assets | 82.5299% | 4,734 |
| Equity capital to assets | 13.5426% | 1,302 |
| Core capital (leverage) ratio | 11.9912% | 1,670 |
| Tier 1 risk-based capital ratio | 14.8011% | 3,045 |
| Total risk-based capital ratio | 16.0513% | 2,998 |
| Memoranda: | ||
| Average total assets | $1,018,902,400 | 658 |
| Average earning assets | $900,702,400 | 671 |
| Average equity | $144,918,200 | 467 |
| Average total loans | $759,893,600 | 600 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4876% | 4,481 |
| Cost of funding earning assets | 1.2479% | 6,734 |
| Net interest margin | 4.2397% | 1,910 |
| Noninterest income to average assets | 1.0119% | 1,558 |
| Noninterest expense to average assets | 2.8739% | 4,555 |
| Loan and lease loss provision to assets | 0.8122% | 2,341 |
| Net operating income to assets | 0.7581% | 2,993 |
| Return on assets (ROA) | 0.7581% | 3,058 |
| Pretax return on assets | 1.0759% | 2,651 |
| Return on Equity (ROE) | 5.2640% | 3,854 |
| Retained earnings to average equity (ytd only) | 1.5957% | 4,417 |
| Net charge-offs to loans | 0.7988% | 2,368 |
| Credit loss provision to net charge-offs | 135.9717% | 3,652 |
| Earnings coverage of net charge-offs (x) | 3.1610% | 3,658 |
| Efficiency ratio | 59.2296% | 6,526 |
| Assets per employee ($millions) | 3.5811% | 4,731 |
| Cash dividends to net income (ytd only)* | 69.6864% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 4,468 |
| Loan loss allowance to noncurrent loans | 58.4568% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 4.0172% | 1,588 |
| Noncurrent loans to loans | 2.2338% | 3,341 |
| Net loans and leases to total assets | 74.0828% | 2,497 |
| Net loans and leases to deposits | 90.9251% | 2,406 |
| Net loans and leases to core deposits | 116.6817% | 2,555 |
| Total domestic deposits to total assets | 81.4768% | 4,885 |
| Equity capital to assets | 14.1096% | 1,272 |
| Core capital (leverage) ratio | 12.5141% | 1,576 |
| Tier 1 risk-based capital ratio | 15.1592% | 2,973 |
| Total risk-based capital ratio | 16.3745% | 2,926 |
| Memoranda: | ||
| Average total assets | $1,009,572,500 | 672 |
| Average earning assets | $892,991,000 | 689 |
| Average equity | $145,387,750 | 473 |
| Average total loans | $754,947,000 | 622 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 4,808 |
| Cost of funding earning assets | 1.2937% | 6,828 |
| Net interest margin | 4.1724% | 2,087 |
| Noninterest income to average assets | 1.1189% | 1,264 |
| Noninterest expense to average assets | 2.8952% | 4,517 |
| Loan and lease loss provision to assets | 0.7092% | 2,301 |
| Net operating income to assets | 0.8323% | 2,731 |
| Return on assets (ROA) | 0.8323% | 2,820 |
| Pretax return on assets | 1.1987% | 2,304 |
| Return on Equity (ROE) | 5.7393% | 3,771 |
| Retained earnings to average equity (ytd only) | 0.2287% | 5,122 |
| Net charge-offs to loans | 1.0502% | 1,707 |
| Credit loss provision to net charge-offs | 90.4228% | 4,911 |
| Earnings coverage of net charge-offs (x) | 2.4325% | 3,853 |
| Efficiency ratio | 59.1590% | 6,669 |
| Assets per employee ($millions) | 3.4323% | 5,000 |
| Cash dividends to net income (ytd only)* | 96.0154% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 5,774 |
| Loan loss allowance to noncurrent loans | 47.0605% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 4.0107% | 1,477 |
| Noncurrent loans to loans | 2.2773% | 3,161 |
| Net loans and leases to total assets | 73.9679% | 2,708 |
| Net loans and leases to deposits | 91.9115% | 2,484 |
| Net loans and leases to core deposits | 116.6646% | 2,651 |
| Total domestic deposits to total assets | 80.4773% | 5,287 |
| Equity capital to assets | 14.2206% | 1,242 |
| Core capital (leverage) ratio | 12.5742% | 1,586 |
| Tier 1 risk-based capital ratio | 15.0858% | 2,985 |
| Total risk-based capital ratio | 16.0693% | 3,029 |
| Memoranda: | ||
| Average total assets | $1,001,120,670 | 695 |
| Average earning assets | $883,948,330 | 714 |
| Average equity | $145,175,670 | 481 |
| Average total loans | $747,646,670 | 650 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5365% | 4,719 |
| Cost of funding earning assets | 1.3186% | 6,964 |
| Net interest margin | 4.2178% | 1,840 |
| Noninterest income to average assets | 1.2004% | 1,004 |
| Noninterest expense to average assets | 2.7755% | 4,677 |
| Loan and lease loss provision to assets | 0.8051% | 1,599 |
| Net operating income to assets | 0.9230% | 2,602 |
| Return on assets (ROA) | 0.9230% | 2,742 |
| Pretax return on assets | 1.3473% | 2,127 |
| Return on Equity (ROE) | 6.3027% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.3027% | 2,499 |
| Net charge-offs to loans | 0.0210% | 5,266 |
| Credit loss provision to net charge-offs | 5,128.2051% | 143 |
| Earnings coverage of net charge-offs (x) | 137.1026% | 320 |
| Efficiency ratio | 55.2197% | 7,075 |
| Assets per employee ($millions) | 3.3723% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 3,431 |
| Loan loss allowance to noncurrent loans | 111.1017% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 3.3730% | 1,617 |
| Noncurrent loans to loans | 1.2719% | 4,440 |
| Net loans and leases to total assets | 73.4779% | 2,896 |
| Net loans and leases to deposits | 91.3266% | 2,724 |
| Net loans and leases to core deposits | 116.6021% | 2,729 |
| Total domestic deposits to total assets | 80.4563% | 5,191 |
| Equity capital to assets | 14.7372% | 1,173 |
| Core capital (leverage) ratio | 12.9396% | 1,499 |
| Tier 1 risk-based capital ratio | 15.5138% | 2,849 |
| Total risk-based capital ratio | 16.7641% | 2,784 |
| Memoranda: | ||
| Average total assets | $993,702,500 | 697 |
| Average earning assets | $878,179,500 | 722 |
| Average equity | $145,526,000 | 481 |
| Average total loans | $741,658,500 | 664 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2757% | 4,092 |
| Cost of funding earning assets | 1.7665% | 7,098 |
| Net interest margin | 4.5091% | 1,397 |
| Noninterest income to average assets | 0.8562% | 2,189 |
| Noninterest expense to average assets | 2.8117% | 4,772 |
| Loan and lease loss provision to assets | 0.7020% | 2,097 |
| Net operating income to assets | 0.9055% | 2,974 |
| Return on assets (ROA) | 0.9055% | 2,821 |
| Pretax return on assets | 1.3032% | 2,299 |
| Return on Equity (ROE) | 6.1644% | 3,879 |
| Retained earnings to average equity (ytd only) | 1.3165% | 4,427 |
| Net charge-offs to loans | 0.8300% | 1,510 |
| Credit loss provision to net charge-offs | 120.3348% | 4,464 |
| Earnings coverage of net charge-offs (x) | 3.4374% | 4,371 |
| Efficiency ratio | 57.1398% | 6,847 |
| Assets per employee ($millions) | 3.3646% | 5,051 |
| Cash dividends to net income (ytd only)* | 78.6428% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 4,937 |
| Loan loss allowance to noncurrent loans | 112.1100% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 3.1082% | 1,473 |
| Noncurrent loans to loans | 1.0241% | 4,537 |
| Net loans and leases to total assets | 73.8827% | 3,131 |
| Net loans and leases to deposits | 93.8583% | 2,793 |
| Net loans and leases to core deposits | 117.2925% | 2,973 |
| Total domestic deposits to total assets | 78.7173% | 5,478 |
| Equity capital to assets | 14.5522% | 1,280 |
| Core capital (leverage) ratio | 12.8126% | 1,616 |
| Tier 1 risk-based capital ratio | 15.0492% | 3,019 |
| Total risk-based capital ratio | 16.0784% | 3,050 |
| Memoranda: | ||
| Average total assets | $982,940,600 | 670 |
| Average earning assets | $863,382,200 | 698 |
| Average equity | $144,394,200 | 481 |
| Average total loans | $690,831,800 | 689 |