Home > The Old Point National Bank of Phoebus > Performance and Condition Ratios
The Old Point National Bank of Phoebus, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4145% | 2,306 |
| Cost of funding earning assets | 1.7252% | 2,905 |
| Net interest margin | 3.6892% | 1,710 |
| Noninterest income to average assets | 0.5500% | 1,704 |
| Noninterest expense to average assets | 3.0189% | 1,121 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.7467% | 2,842 |
| Return on assets (ROA) | 0.7467% | 2,858 |
| Pretax return on assets | 0.8990% | 2,808 |
| Return on Equity (ROE) | 8.2700% | 2,673 |
| Retained earnings to average equity (ytd only) | 5.4610% | 2,031 |
| Net charge-offs to loans | 0.1454% | 899 |
| Credit loss provision to net charge-offs | 50.1969% | 2,335 |
| Earnings coverage of net charge-offs (x) | 8.9626% | 2,344 |
| Efficiency ratio | 76.0165% | 1,369 |
| Assets per employee ($millions) | 6.1447% | 2,765 |
| Cash dividends to net income (ytd only)* | 33.9440% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 2,517 |
| Loan loss allowance to noncurrent loans | 1,153.9315% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 3,037 |
| Noncurrent loans to loans | 0.0982% | 3,144 |
| Net loans and leases to total assets | 69.1600% | 2,001 |
| Net loans and leases to deposits | 79.2465% | 2,203 |
| Net loans and leases to core deposits | 84.9510% | 2,447 |
| Total domestic deposits to total assets | 87.2800% | 1,777 |
| Equity capital to assets | 9.3098% | 2,590 |
| Core capital (leverage) ratio | 10.0595% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9807% | 1,880 |
| Memoranda: | ||
| Average total assets | $1,440,109,200 | 760 |
| Average earning assets | $1,333,632,600 | 751 |
| Average equity | $130,067,200 | 828 |
| Average total loans | $1,047,819,600 | 731 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3899% | 2,282 |
| Cost of funding earning assets | 1.7178% | 2,916 |
| Net interest margin | 3.6721% | 1,704 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 3.0396% | 1,054 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.7085% | 2,964 |
| Return on assets (ROA) | 0.7085% | 2,988 |
| Pretax return on assets | 0.8683% | 2,882 |
| Return on Equity (ROE) | 7.9100% | 2,791 |
| Retained earnings to average equity (ytd only) | 5.4242% | 2,297 |
| Net charge-offs to loans | 0.1409% | 782 |
| Credit loss provision to net charge-offs | 54.7001% | 2,021 |
| Earnings coverage of net charge-offs (x) | 8.9481% | 2,188 |
| Efficiency ratio | 76.5723% | 1,348 |
| Assets per employee ($millions) | 6.3291% | 2,639 |
| Cash dividends to net income (ytd only)* | 31.3849% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 2,535 |
| Loan loss allowance to noncurrent loans | 1,171.1712% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 3,087 |
| Noncurrent loans to loans | 0.0974% | 3,197 |
| Net loans and leases to total assets | 69.0600% | 1,956 |
| Net loans and leases to deposits | 78.9958% | 2,275 |
| Net loans and leases to core deposits | 84.6021% | 2,520 |
| Total domestic deposits to total assets | 87.4200% | 1,452 |
| Equity capital to assets | 9.2878% | 2,826 |
| Core capital (leverage) ratio | 9.9893% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7959% | 1,977 |
| Memoranda: | ||
| Average total assets | $1,439,134,250 | 751 |
| Average earning assets | $1,332,691,250 | 746 |
| Average equity | $128,975,250 | 825 |
| Average total loans | $1,057,234,500 | 723 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 2,252 |
| Cost of funding earning assets | 1.7012% | 2,859 |
| Net interest margin | 3.6510% | 1,693 |
| Noninterest income to average assets | 0.5500% | 1,634 |
| Noninterest expense to average assets | 3.0740% | 1,001 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.6849% | 2,972 |
| Return on assets (ROA) | 0.6849% | 3,001 |
| Pretax return on assets | 0.8115% | 2,969 |
| Return on Equity (ROE) | 7.7400% | 2,814 |
| Retained earnings to average equity (ytd only) | 7.7386% | 1,448 |
| Net charge-offs to loans | 0.1212% | 784 |
| Credit loss provision to net charge-offs | 41.5765% | 1,871 |
| Earnings coverage of net charge-offs (x) | 9.4915% | 2,017 |
| Efficiency ratio | 78.0762% | 1,278 |
| Assets per employee ($millions) | 6.0694% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,665 |
| Loan loss allowance to noncurrent loans | 2,257.2519% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 3,242 |
| Noncurrent loans to loans | 0.0497% | 3,410 |
| Net loans and leases to total assets | 73.7400% | 1,444 |
| Net loans and leases to deposits | 84.0748% | 1,831 |
| Net loans and leases to core deposits | 89.7395% | 2,159 |
| Total domestic deposits to total assets | 87.7000% | 1,425 |
| Equity capital to assets | 9.0821% | 2,684 |
| Core capital (leverage) ratio | 9.8679% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1232% | 2,208 |
| Memoranda: | ||
| Average total assets | $1,429,396,000 | 755 |
| Average earning assets | $1,323,203,667 | 751 |
| Average equity | $126,508,000 | 833 |
| Average total loans | $1,067,742,000 | 719 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2168% | 2,369 |
| Cost of funding earning assets | 1.6694% | 2,820 |
| Net interest margin | 3.5475% | 1,811 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 3.0967% | 978 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.5756% | 3,209 |
| Return on assets (ROA) | 0.5756% | 3,236 |
| Pretax return on assets | 0.6739% | 3,222 |
| Return on Equity (ROE) | 6.5900% | 3,058 |
| Retained earnings to average equity (ytd only) | 6.5889% | 1,950 |
| Net charge-offs to loans | 0.1251% | 637 |
| Credit loss provision to net charge-offs | 23.2143% | 1,514 |
| Earnings coverage of net charge-offs (x) | 7.4435% | 1,772 |
| Efficiency ratio | 81.5647% | 1,078 |
| Assets per employee ($millions) | 5.7920% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 2,720 |
| Loan loss allowance to noncurrent loans | 1,113.5135% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 2,968 |
| Noncurrent loans to loans | 0.1005% | 3,102 |
| Net loans and leases to total assets | 73.5100% | 1,402 |
| Net loans and leases to deposits | 85.7250% | 1,558 |
| Net loans and leases to core deposits | 91.0878% | 1,964 |
| Total domestic deposits to total assets | 85.7500% | 2,175 |
| Equity capital to assets | 8.7747% | 2,829 |
| Core capital (leverage) ratio | 9.7634% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7266% | 2,343 |
| Memoranda: | ||
| Average total assets | $1,437,010,000 | 760 |
| Average earning assets | $1,329,616,500 | 756 |
| Average equity | $125,544,000 | 843 |
| Average total loans | $1,074,312,000 | 717 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0928% | 1,868 |
| Cost of funding earning assets | 1.3211% | 2,457 |
| Net interest margin | 3.7717% | 1,606 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 3.1114% | 944 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.6661% | 3,278 |
| Return on assets (ROA) | 0.6581% | 3,277 |
| Pretax return on assets | 0.7822% | 3,251 |
| Return on Equity (ROE) | 7.8200% | 3,076 |
| Retained earnings to average equity (ytd only) | 5.2999% | 2,487 |
| Net charge-offs to loans | 0.1608% | 653 |
| Credit loss provision to net charge-offs | 160.1621% | 1,409 |
| Earnings coverage of net charge-offs (x) | 7.9849% | 2,372 |
| Efficiency ratio | 76.0504% | 1,239 |
| Assets per employee ($millions) | 4.8242% | 3,757 |
| Cash dividends to net income (ytd only)* | 32.2546% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,665 |
| Loan loss allowance to noncurrent loans | 620.2236% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 2,462 |
| Noncurrent loans to loans | 0.1821% | 2,602 |
| Net loans and leases to total assets | 74.3300% | 1,309 |
| Net loans and leases to deposits | 86.5449% | 1,578 |
| Net loans and leases to core deposits | 92.0559% | 1,898 |
| Total domestic deposits to total assets | 85.8800% | 2,059 |
| Equity capital to assets | 8.6983% | 2,904 |
| Core capital (leverage) ratio | 9.4646% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4681% | 2,428 |
| Memoranda: | ||
| Average total assets | $1,413,299,200 | 749 |
| Average earning assets | $1,305,448,000 | 738 |
| Average equity | $118,888,000 | 830 |
| Average total loans | $1,073,684,400 | 690 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9874% | 1,850 |
| Cost of funding earning assets | 1.1770% | 2,501 |
| Net interest margin | 3.8104% | 1,570 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.1464% | 876 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.7390% | 3,205 |
| Return on assets (ROA) | 0.7282% | 3,222 |
| Pretax return on assets | 0.8617% | 3,190 |
| Return on Equity (ROE) | 8.7400% | 3,002 |
| Retained earnings to average equity (ytd only) | 6.2403% | 2,556 |
| Net charge-offs to loans | 0.0838% | 884 |
| Credit loss provision to net charge-offs | 200.4451% | 1,121 |
| Earnings coverage of net charge-offs (x) | 15.5341% | 1,958 |
| Efficiency ratio | 75.9519% | 1,172 |
| Assets per employee ($millions) | 5.3679% | 3,288 |
| Cash dividends to net income (ytd only)* | 28.6272% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 2,895 |
| Loan loss allowance to noncurrent loans | 436.2431% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 2,198 |
| Noncurrent loans to loans | 0.2507% | 2,339 |
| Net loans and leases to total assets | 74.4600% | 1,297 |
| Net loans and leases to deposits | 86.2577% | 1,539 |
| Net loans and leases to core deposits | 92.5344% | 1,762 |
| Total domestic deposits to total assets | 86.3200% | 2,095 |
| Equity capital to assets | 8.2023% | 2,920 |
| Core capital (leverage) ratio | 9.4637% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2604% | 2,527 |
| Memoranda: | ||
| Average total assets | $1,407,067,250 | 751 |
| Average earning assets | $1,298,905,750 | 742 |
| Average equity | $117,192,000 | 839 |
| Average total loans | $1,071,925,000 | 690 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 1,812 |
| Cost of funding earning assets | 0.9311% | 2,828 |
| Net interest margin | 3.9486% | 1,330 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 3.1447% | 847 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.8541% | 2,908 |
| Return on assets (ROA) | 0.8343% | 2,988 |
| Pretax return on assets | 0.9946% | 2,927 |
| Return on Equity (ROE) | 9.9700% | 2,708 |
| Retained earnings to average equity (ytd only) | 7.5708% | 2,106 |
| Net charge-offs to loans | 0.0728% | 840 |
| Credit loss provision to net charge-offs | 224.4216% | 996 |
| Earnings coverage of net charge-offs (x) | 20.1697% | 1,735 |
| Efficiency ratio | 73.6017% | 1,392 |
| Assets per employee ($millions) | 5.3530% | 3,275 |
| Cash dividends to net income (ytd only)* | 24.0302% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,123 |
| Loan loss allowance to noncurrent loans | 807.4151% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 2,671 |
| Noncurrent loans to loans | 0.1317% | 2,811 |
| Net loans and leases to total assets | 75.5600% | 1,098 |
| Net loans and leases to deposits | 87.8974% | 1,353 |
| Net loans and leases to core deposits | 93.6221% | 1,588 |
| Total domestic deposits to total assets | 85.9600% | 2,239 |
| Equity capital to assets | 8.4230% | 2,927 |
| Core capital (leverage) ratio | 9.6360% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0220% | 2,619 |
| Memoranda: | ||
| Average total assets | $1,396,556,667 | 743 |
| Average earning assets | $1,288,343,333 | 738 |
| Average equity | $116,923,333 | 835 |
| Average total loans | $1,068,243,333 | 678 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 1,722 |
| Cost of funding earning assets | 0.6434% | 3,244 |
| Net interest margin | 4.1142% | 1,077 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 3.0684% | 975 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.0125% | 2,495 |
| Return on assets (ROA) | 1.0125% | 2,462 |
| Pretax return on assets | 1.2196% | 2,376 |
| Return on Equity (ROE) | 12.1300% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.6967% | 1,771 |
| Net charge-offs to loans | 0.0679% | 731 |
| Credit loss provision to net charge-offs | 314.5251% | 674 |
| Earnings coverage of net charge-offs (x) | 25.5642% | 1,364 |
| Efficiency ratio | 69.7088% | 1,774 |
| Assets per employee ($millions) | 5.1197% | 3,559 |
| Cash dividends to net income (ytd only)* | 20.0746% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,214 |
| Loan loss allowance to noncurrent loans | 678.6722% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 2,189 |
| Noncurrent loans to loans | 0.1574% | 2,700 |
| Net loans and leases to total assets | 76.0000% | 973 |
| Net loans and leases to deposits | 88.8397% | 1,145 |
| Net loans and leases to core deposits | 92.9858% | 1,455 |
| Total domestic deposits to total assets | 85.5500% | 2,705 |
| Equity capital to assets | 8.5590% | 2,845 |
| Core capital (leverage) ratio | 9.7419% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0782% | 2,703 |
| Memoranda: | ||
| Average total assets | $1,377,535,000 | 765 |
| Average earning assets | $1,271,295,000 | 759 |
| Average equity | $114,966,500 | 857 |
| Average total loans | $1,054,548,500 | 696 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 1,942 |
| Cost of funding earning assets | 0.1981% | 3,778 |
| Net interest margin | 3.7202% | 1,333 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 3.0168% | 946 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.9092% | 2,921 |
| Return on assets (ROA) | 0.7890% | 3,296 |
| Pretax return on assets | 0.9268% | 3,277 |
| Return on Equity (ROE) | 9.2900% | 3,035 |
| Retained earnings to average equity (ytd only) | 6.7940% | 2,324 |
| Net charge-offs to loans | 0.1135% | 660 |
| Credit loss provision to net charge-offs | 163.2536% | 1,246 |
| Earnings coverage of net charge-offs (x) | 15.1483% | 2,011 |
| Efficiency ratio | 71.5091% | 1,499 |
| Assets per employee ($millions) | 5.2215% | 3,493 |
| Cash dividends to net income (ytd only)* | 26.8405% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,232 |
| Loan loss allowance to noncurrent loans | 505.0864% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 2,005 |
| Noncurrent loans to loans | 0.2028% | 2,477 |
| Net loans and leases to total assets | 75.4900% | 1,064 |
| Net loans and leases to deposits | 87.0383% | 1,244 |
| Net loans and leases to core deposits | 90.5893% | 1,475 |
| Total domestic deposits to total assets | 86.7300% | 2,482 |
| Equity capital to assets | 8.1230% | 2,978 |
| Core capital (leverage) ratio | 9.4280% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7136% | 2,812 |
| Memoranda: | ||
| Average total assets | $1,322,150,400 | 775 |
| Average earning assets | $1,224,063,400 | 777 |
| Average equity | $112,335,000 | 868 |
| Average total loans | $920,600,200 | 738 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 2,048 |
| Cost of funding earning assets | 0.1648% | 3,683 |
| Net interest margin | 3.5373% | 1,552 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.9451% | 983 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.7470% | 3,425 |
| Return on assets (ROA) | 0.7470% | 3,373 |
| Pretax return on assets | 0.8730% | 3,407 |
| Return on Equity (ROE) | 8.6900% | 3,117 |
| Retained earnings to average equity (ytd only) | 6.2183% | 2,667 |
| Net charge-offs to loans | 0.1499% | 438 |
| Credit loss provision to net charge-offs | 106.7662% | 1,288 |
| Earnings coverage of net charge-offs (x) | 9.6408% | 2,017 |
| Efficiency ratio | 74.9149% | 1,182 |
| Assets per employee ($millions) | 5.2350% | 3,472 |
| Cash dividends to net income (ytd only)* | 28.4823% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 3,302 |
| Loan loss allowance to noncurrent loans | 211.1158% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 1,194 |
| Noncurrent loans to loans | 0.4922% | 1,573 |
| Net loans and leases to total assets | 72.2800% | 1,263 |
| Net loans and leases to deposits | 79.1834% | 1,620 |
| Net loans and leases to core deposits | 81.7038% | 1,784 |
| Total domestic deposits to total assets | 91.2800% | 1,130 |
| Equity capital to assets | 7.9483% | 2,928 |
| Core capital (leverage) ratio | 9.4528% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2068% | 2,747 |
| Memoranda: | ||
| Average total assets | $1,315,900,250 | 787 |
| Average earning assets | $1,219,810,250 | 781 |
| Average equity | $113,061,500 | 879 |
| Average total loans | $893,873,500 | 752 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5167% | 2,084 |
| Cost of funding earning assets | 0.1645% | 3,383 |
| Net interest margin | 3.3522% | 1,750 |
| Noninterest income to average assets | 0.6537% | 1,528 |
| Noninterest expense to average assets | 2.8706% | 1,036 |
| Loan and lease loss provision to assets | 0.1018% | 978 |
| Net operating income to assets | 0.6835% | 3,367 |
| Return on assets (ROA) | 0.6835% | 3,320 |
| Pretax return on assets | 0.7941% | 3,347 |
| Return on Equity (ROE) | 7.7623% | 3,087 |
| Retained earnings to average equity (ytd only) | 5.3500% | 2,572 |
| Net charge-offs to loans | 0.1466% | 441 |
| Credit loss provision to net charge-offs | 104.8438% | 1,246 |
| Earnings coverage of net charge-offs (x) | 9.2266% | 1,795 |
| Efficiency ratio | 76.1258% | 1,266 |
| Assets per employee ($millions) | 5.3346% | 3,396 |
| Cash dividends to net income (ytd only)* | 31.0766% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 3,230 |
| Loan loss allowance to noncurrent loans | 213.3218% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 1,262 |
| Noncurrent loans to loans | 0.5067% | 1,614 |
| Net loans and leases to total assets | 69.2977% | 1,368 |
| Net loans and leases to deposits | 76.2545% | 1,672 |
| Net loans and leases to core deposits | 78.7665% | 1,794 |
| Total domestic deposits to total assets | 90.8768% | 1,287 |
| Equity capital to assets | 8.3963% | 2,839 |
| Core capital (leverage) ratio | 9.2658% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6484% | 2,633 |
| Memoranda: | ||
| Average total assets | $1,318,280,667 | 778 |
| Average earning assets | $1,224,109,000 | 781 |
| Average equity | $116,074,000 | 861 |
| Average total loans | $873,218,333 | 752 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3938% | 2,107 |
| Cost of funding earning assets | 0.1749% | 3,161 |
| Net interest margin | 3.2188% | 1,820 |
| Noninterest income to average assets | 0.6583% | 1,450 |
| Noninterest expense to average assets | 2.8149% | 1,132 |
| Loan and lease loss provision to assets | 0.0305% | 1,817 |
| Net operating income to assets | 0.6955% | 3,074 |
| Return on assets (ROA) | 0.6955% | 3,063 |
| Pretax return on assets | 0.8094% | 3,089 |
| Return on Equity (ROE) | 7.7221% | 2,792 |
| Retained earnings to average equity (ytd only) | 5.3739% | 2,453 |
| Net charge-offs to loans | 0.2094% | 292 |
| Credit loss provision to net charge-offs | 22.6457% | 1,285 |
| Earnings coverage of net charge-offs (x) | 6.2332% | 1,577 |
| Efficiency ratio | 76.9282% | 1,418 |
| Assets per employee ($millions) | 5.5604% | 3,266 |
| Cash dividends to net income (ytd only)* | 30.4083% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,286 |
| Loan loss allowance to noncurrent loans | 197.8799% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 1,334 |
| Noncurrent loans to loans | 0.5612% | 1,637 |
| Net loans and leases to total assets | 64.3286% | 1,585 |
| Net loans and leases to deposits | 70.9016% | 1,876 |
| Net loans and leases to core deposits | 73.2775% | 1,996 |
| Total domestic deposits to total assets | 90.7293% | 1,168 |
| Equity capital to assets | 8.6930% | 2,981 |
| Core capital (leverage) ratio | 9.1840% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1505% | 2,551 |
| Memoranda: | ||
| Average total assets | $1,323,935,000 | 781 |
| Average earning assets | $1,232,492,500 | 787 |
| Average equity | $119,242,500 | 866 |
| Average total loans | $852,029,000 | 761 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5916% | 2,414 |
| Cost of funding earning assets | 0.2474% | 2,962 |
| Net interest margin | 3.3442% | 2,193 |
| Noninterest income to average assets | 0.7598% | 1,564 |
| Noninterest expense to average assets | 2.9896% | 996 |
| Loan and lease loss provision to assets | 0.0623% | 1,822 |
| Net operating income to assets | 0.6858% | 3,662 |
| Return on assets (ROA) | 0.6858% | 3,714 |
| Pretax return on assets | 0.7935% | 3,740 |
| Return on Equity (ROE) | 7.5098% | 3,374 |
| Retained earnings to average equity (ytd only) | 4.7596% | 2,889 |
| Net charge-offs to loans | 0.0560% | 1,236 |
| Credit loss provision to net charge-offs | 168.9362% | 1,413 |
| Earnings coverage of net charge-offs (x) | 23.2021% | 1,784 |
| Efficiency ratio | 77.6546% | 976 |
| Assets per employee ($millions) | 5.4735% | 3,283 |
| Cash dividends to net income (ytd only)* | 36.6217% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 3,058 |
| Loan loss allowance to noncurrent loans | 656.3540% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 2,691 |
| Noncurrent loans to loans | 0.1775% | 3,054 |
| Net loans and leases to total assets | 62.9253% | 1,835 |
| Net loans and leases to deposits | 69.9013% | 2,142 |
| Net loans and leases to core deposits | 72.3125% | 2,233 |
| Total domestic deposits to total assets | 90.0202% | 945 |
| Equity capital to assets | 9.3174% | 3,301 |
| Core capital (leverage) ratio | 9.0852% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6070% | 2,406 |
| Memoranda: | ||
| Average total assets | $1,274,201,800 | 781 |
| Average earning assets | $1,175,702,200 | 794 |
| Average equity | $116,355,400 | 898 |
| Average total loans | $839,065,200 | 767 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 2,458 |
| Cost of funding earning assets | 0.2596% | 3,022 |
| Net interest margin | 3.3772% | 2,217 |
| Noninterest income to average assets | 0.7857% | 1,571 |
| Noninterest expense to average assets | 3.0049% | 963 |
| Loan and lease loss provision to assets | 0.0540% | 1,906 |
| Net operating income to assets | 0.7160% | 3,730 |
| Return on assets (ROA) | 0.7160% | 3,796 |
| Pretax return on assets | 0.8348% | 3,828 |
| Return on Equity (ROE) | 7.8836% | 3,437 |
| Retained earnings to average equity (ytd only) | 4.9715% | 3,232 |
| Net charge-offs to loans | 0.0585% | 1,061 |
| Credit loss provision to net charge-offs | 138.9646% | 1,396 |
| Earnings coverage of net charge-offs (x) | 22.8910% | 1,676 |
| Efficiency ratio | 77.0834% | 951 |
| Assets per employee ($millions) | 5.1553% | 3,551 |
| Cash dividends to net income (ytd only)* | 36.9385% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,229 |
| Loan loss allowance to noncurrent loans | 711.5356% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,979 |
| Noncurrent loans to loans | 0.1609% | 3,318 |
| Net loans and leases to total assets | 64.1120% | 1,758 |
| Net loans and leases to deposits | 71.3930% | 2,115 |
| Net loans and leases to core deposits | 73.9286% | 2,249 |
| Total domestic deposits to total assets | 89.8015% | 862 |
| Equity capital to assets | 9.4711% | 3,405 |
| Core capital (leverage) ratio | 9.2245% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3446% | 2,598 |
| Memoranda: | ||
| Average total assets | $1,260,235,500 | 797 |
| Average earning assets | $1,159,801,000 | 808 |
| Average equity | $114,462,250 | 917 |
| Average total loans | $837,128,000 | 783 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 2,478 |
| Cost of funding earning assets | 0.2749% | 3,044 |
| Net interest margin | 3.3714% | 2,233 |
| Noninterest income to average assets | 0.8165% | 1,490 |
| Noninterest expense to average assets | 2.9996% | 985 |
| Loan and lease loss provision to assets | 0.0241% | 2,486 |
| Net operating income to assets | 0.7566% | 3,626 |
| Return on assets (ROA) | 0.7566% | 3,694 |
| Pretax return on assets | 0.8847% | 3,690 |
| Return on Equity (ROE) | 8.4566% | 3,270 |
| Retained earnings to average equity (ytd only) | 5.2262% | 3,107 |
| Net charge-offs to loans | 0.0523% | 1,095 |
| Credit loss provision to net charge-offs | 68.8073% | 1,527 |
| Earnings coverage of net charge-offs (x) | 25.9633% | 1,394 |
| Efficiency ratio | 76.6567% | 1,017 |
| Assets per employee ($millions) | 4.9903% | 3,665 |
| Cash dividends to net income (ytd only)* | 38.2003% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,266 |
| Loan loss allowance to noncurrent loans | 395.3673% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 2,637 |
| Noncurrent loans to loans | 0.2870% | 2,899 |
| Net loans and leases to total assets | 65.1253% | 1,810 |
| Net loans and leases to deposits | 72.7284% | 2,143 |
| Net loans and leases to core deposits | 75.5083% | 2,285 |
| Total domestic deposits to total assets | 89.5459% | 1,005 |
| Equity capital to assets | 8.8890% | 3,901 |
| Core capital (leverage) ratio | 8.5203% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5114% | 2,855 |
| Memoranda: | ||
| Average total assets | $1,245,550,333 | 798 |
| Average earning assets | $1,142,310,667 | 813 |
| Average equity | $111,439,333 | 929 |
| Average total loans | $834,207,000 | 792 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 1,870 |
| Cost of funding earning assets | 0.2895% | 3,104 |
| Net interest margin | 3.5945% | 1,605 |
| Noninterest income to average assets | 0.9286% | 1,256 |
| Noninterest expense to average assets | 3.0401% | 927 |
| Loan and lease loss provision to assets | 0.0486% | 2,111 |
| Net operating income to assets | 0.9522% | 2,964 |
| Return on assets (ROA) | 0.9522% | 3,058 |
| Pretax return on assets | 1.1301% | 3,043 |
| Return on Equity (ROE) | 10.6079% | 2,493 |
| Retained earnings to average equity (ytd only) | 6.6376% | 2,684 |
| Net charge-offs to loans | 0.0144% | 1,457 |
| Credit loss provision to net charge-offs | 500.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 121.2667% | 547 |
| Efficiency ratio | 71.9760% | 1,500 |
| Assets per employee ($millions) | 4.8652% | 3,789 |
| Cash dividends to net income (ytd only)* | 37.4277% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 3,017 |
| Loan loss allowance to noncurrent loans | 429.7598% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 2,878 |
| Noncurrent loans to loans | 0.2752% | 3,115 |
| Net loans and leases to total assets | 64.5650% | 1,973 |
| Net loans and leases to deposits | 72.5864% | 2,258 |
| Net loans and leases to core deposits | 75.4577% | 2,398 |
| Total domestic deposits to total assets | 88.9492% | 1,368 |
| Equity capital to assets | 8.8695% | 3,817 |
| Core capital (leverage) ratio | 8.7913% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1275% | 2,619 |
| Memoranda: | ||
| Average total assets | $1,234,559,500 | 801 |
| Average earning assets | $1,130,056,500 | 810 |
| Average equity | $110,823,500 | 922 |
| Average total loans | $833,832,000 | 784 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 3,275 |
| Cost of funding earning assets | 0.4992% | 2,952 |
| Net interest margin | 3.3102% | 3,043 |
| Noninterest income to average assets | 0.8290% | 1,456 |
| Noninterest expense to average assets | 3.2347% | 996 |
| Loan and lease loss provision to assets | 0.0864% | 3,286 |
| Net operating income to assets | 0.4604% | 4,116 |
| Return on assets (ROA) | 0.4811% | 4,155 |
| Pretax return on assets | 0.5300% | 4,218 |
| Return on Equity (ROE) | 5.1765% | 3,857 |
| Retained earnings to average equity (ytd only) | 2.4818% | 3,612 |
| Net charge-offs to loans | 0.1363% | 1,185 |
| Credit loss provision to net charge-offs | 89.3655% | 2,933 |
| Earnings coverage of net charge-offs (x) | 6.1421% | 2,804 |
| Efficiency ratio | 84.3959% | 601 |
| Assets per employee ($millions) | 4.4808% | 3,931 |
| Cash dividends to net income (ytd only)* | 52.0553% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 3,355 |
| Loan loss allowance to noncurrent loans | 487.2829% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 3,466 |
| Noncurrent loans to loans | 0.2302% | 3,378 |
| Net loans and leases to total assets | 69.0183% | 1,684 |
| Net loans and leases to deposits | 78.7262% | 2,006 |
| Net loans and leases to core deposits | 82.1374% | 2,181 |
| Total domestic deposits to total assets | 87.6688% | 1,623 |
| Equity capital to assets | 9.0868% | 3,984 |
| Core capital (leverage) ratio | 8.5619% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7660% | 2,706 |
| Memoranda: | ||
| Average total assets | $1,157,913,600 | 771 |
| Average earning assets | $1,049,166,400 | 789 |
| Average equity | $107,622,000 | 904 |
| Average total loans | $821,269,400 | 769 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8171% | 3,509 |
| Cost of funding earning assets | 0.5386% | 3,004 |
| Net interest margin | 3.2785% | 3,251 |
| Noninterest income to average assets | 0.8315% | 1,391 |
| Noninterest expense to average assets | 3.0586% | 1,320 |
| Loan and lease loss provision to assets | 0.1050% | 3,006 |
| Net operating income to assets | 0.5561% | 3,892 |
| Return on assets (ROA) | 0.5753% | 3,938 |
| Pretax return on assets | 0.6490% | 4,010 |
| Return on Equity (ROE) | 6.1536% | 3,501 |
| Retained earnings to average equity (ytd only) | 2.9089% | 3,557 |
| Net charge-offs to loans | 0.1048% | 1,274 |
| Credit loss provision to net charge-offs | 140.6250% | 2,378 |
| Earnings coverage of net charge-offs (x) | 9.8078% | 2,403 |
| Efficiency ratio | 80.5792% | 835 |
| Assets per employee ($millions) | 4.6437% | 3,666 |
| Cash dividends to net income (ytd only)* | 52.7276% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 3,090 |
| Loan loss allowance to noncurrent loans | 182.5207% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 2,369 |
| Noncurrent loans to loans | 0.6144% | 2,267 |
| Net loans and leases to total assets | 70.0180% | 1,949 |
| Net loans and leases to deposits | 83.0509% | 2,012 |
| Net loans and leases to core deposits | 86.7420% | 2,250 |
| Total domestic deposits to total assets | 84.3073% | 2,707 |
| Equity capital to assets | 8.8176% | 4,242 |
| Core capital (leverage) ratio | 8.6466% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7421% | 2,708 |
| Memoranda: | ||
| Average total assets | $1,142,700,500 | 773 |
| Average earning assets | $1,031,540,500 | 783 |
| Average equity | $106,840,750 | 906 |
| Average total loans | $813,908,750 | 766 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 3,345 |
| Cost of funding earning assets | 0.5867% | 3,034 |
| Net interest margin | 3.4058% | 3,079 |
| Noninterest income to average assets | 0.8349% | 1,330 |
| Noninterest expense to average assets | 3.0153% | 1,535 |
| Loan and lease loss provision to assets | 0.1084% | 2,923 |
| Net operating income to assets | 0.6636% | 3,533 |
| Return on assets (ROA) | 0.6925% | 3,517 |
| Pretax return on assets | 0.7957% | 3,600 |
| Return on Equity (ROE) | 7.2518% | 3,034 |
| Retained earnings to average equity (ytd only) | 3.8472% | 2,985 |
| Net charge-offs to loans | 0.1415% | 1,009 |
| Credit loss provision to net charge-offs | 107.3345% | 2,355 |
| Earnings coverage of net charge-offs (x) | 8.6243% | 2,273 |
| Efficiency ratio | 77.4891% | 1,107 |
| Assets per employee ($millions) | 4.4489% | 3,852 |
| Cash dividends to net income (ytd only)* | 46.9484% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 2,886 |
| Loan loss allowance to noncurrent loans | 143.3787% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 2,079 |
| Noncurrent loans to loans | 0.7866% | 1,926 |
| Net loans and leases to total assets | 70.0184% | 2,024 |
| Net loans and leases to deposits | 83.8577% | 2,009 |
| Net loans and leases to core deposits | 87.7645% | 2,268 |
| Total domestic deposits to total assets | 83.4967% | 2,930 |
| Equity capital to assets | 9.0072% | 4,082 |
| Core capital (leverage) ratio | 9.0735% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0031% | 2,611 |
| Memoranda: | ||
| Average total assets | $1,107,219,667 | 784 |
| Average earning assets | $991,947,667 | 794 |
| Average equity | $105,739,333 | 908 |
| Average total loans | $790,363,333 | 778 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 3,107 |
| Cost of funding earning assets | 0.6575% | 3,132 |
| Net interest margin | 3.5764% | 2,747 |
| Noninterest income to average assets | 0.7555% | 1,447 |
| Noninterest expense to average assets | 3.2917% | 1,243 |
| Loan and lease loss provision to assets | 0.1139% | 2,260 |
| Net operating income to assets | 0.4958% | 3,901 |
| Return on assets (ROA) | 0.4958% | 3,963 |
| Pretax return on assets | 0.5448% | 4,044 |
| Return on Equity (ROE) | 5.0274% | 3,621 |
| Retained earnings to average equity (ytd only) | 1.5629% | 3,582 |
| Net charge-offs to loans | 0.1541% | 839 |
| Credit loss provision to net charge-offs | 103.0928% | 1,795 |
| Earnings coverage of net charge-offs (x) | 5.9622% | 2,014 |
| Efficiency ratio | 83.2196% | 886 |
| Assets per employee ($millions) | 3.8507% | 4,119 |
| Cash dividends to net income (ytd only)* | 68.9127% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,294 |
| Loan loss allowance to noncurrent loans | 143.8197% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 2,033 |
| Noncurrent loans to loans | 0.8817% | 1,850 |
| Net loans and leases to total assets | 71.0945% | 2,075 |
| Net loans and leases to deposits | 83.2166% | 2,312 |
| Net loans and leases to core deposits | 87.6411% | 2,551 |
| Total domestic deposits to total assets | 85.4331% | 2,240 |
| Equity capital to assets | 9.8104% | 3,951 |
| Core capital (leverage) ratio | 9.7252% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7944% | 2,797 |
| Memoranda: | ||
| Average total assets | $1,053,556,500 | 788 |
| Average earning assets | $941,158,000 | 805 |
| Average equity | $103,911,000 | 921 |
| Average total loans | $755,491,500 | 785 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 3,475 |
| Cost of funding earning assets | 0.6800% | 3,264 |
| Net interest margin | 3.6430% | 2,987 |
| Noninterest income to average assets | 0.8575% | 1,281 |
| Noninterest expense to average assets | 3.2724% | 1,354 |
| Loan and lease loss provision to assets | 0.0308% | 3,397 |
| Net operating income to assets | 0.7262% | 3,779 |
| Return on assets (ROA) | 0.7530% | 3,770 |
| Pretax return on assets | 0.8549% | 3,864 |
| Return on Equity (ROE) | 7.6802% | 3,297 |
| Retained earnings to average equity (ytd only) | 4.7206% | 2,574 |
| Net charge-offs to loans | 0.1014% | 1,709 |
| Credit loss provision to net charge-offs | 41.3524% | 3,194 |
| Earnings coverage of net charge-offs (x) | 11.4993% | 2,490 |
| Efficiency ratio | 79.1756% | 1,021 |
| Assets per employee ($millions) | 3.9553% | 3,957 |
| Cash dividends to net income (ytd only)* | 38.5356% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 1,968 |
| Loan loss allowance to noncurrent loans | 127.8793% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7207% | 1,800 |
| Noncurrent loans to loans | 1.0093% | 1,504 |
| Net loans and leases to total assets | 70.4851% | 2,315 |
| Net loans and leases to deposits | 82.8648% | 2,464 |
| Net loans and leases to core deposits | 87.2184% | 2,683 |
| Total domestic deposits to total assets | 85.0604% | 2,468 |
| Equity capital to assets | 9.9159% | 3,994 |
| Core capital (leverage) ratio | 9.7224% | 3,821 |
| Tier 1 risk-based capital ratio | 11.7247% | 4,511 |
| Total risk-based capital ratio | 12.8559% | 4,459 |
| Memoranda: | ||
| Average total assets | $1,033,898,800 | 758 |
| Average earning assets | $928,071,000 | 772 |
| Average equity | $101,364,000 | 894 |
| Average total loans | $758,159,600 | 754 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 3,567 |
| Cost of funding earning assets | 0.6738% | 3,338 |
| Net interest margin | 3.6577% | 3,068 |
| Noninterest income to average assets | 0.8803% | 1,188 |
| Noninterest expense to average assets | 3.2367% | 1,396 |
| Loan and lease loss provision to assets | 0.1311% | 1,475 |
| Net operating income to assets | 0.7125% | 3,972 |
| Return on assets (ROA) | 0.7485% | 3,916 |
| Pretax return on assets | 0.8448% | 4,026 |
| Return on Equity (ROE) | 7.6566% | 3,451 |
| Retained earnings to average equity (ytd only) | 4.8767% | 2,949 |
| Net charge-offs to loans | 0.0898% | 1,569 |
| Credit loss provision to net charge-offs | 197.8516% | 1,324 |
| Earnings coverage of net charge-offs (x) | 14.1191% | 2,259 |
| Efficiency ratio | 77.4759% | 1,157 |
| Assets per employee ($millions) | 4.0632% | 3,816 |
| Cash dividends to net income (ytd only)* | 36.3070% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,469 |
| Loan loss allowance to noncurrent loans | 116.6923% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 1,575 |
| Noncurrent loans to loans | 1.2250% | 1,277 |
| Net loans and leases to total assets | 70.0768% | 2,458 |
| Net loans and leases to deposits | 84.4778% | 2,387 |
| Net loans and leases to core deposits | 89.0243% | 2,633 |
| Total domestic deposits to total assets | 82.9529% | 3,187 |
| Equity capital to assets | 9.9188% | 4,104 |
| Core capital (leverage) ratio | 9.6649% | 4,004 |
| Tier 1 risk-based capital ratio | 11.6195% | 4,608 |
| Total risk-based capital ratio | 12.8634% | 4,511 |
| Memoranda: | ||
| Average total assets | $1,030,334,000 | 762 |
| Average earning assets | $927,271,250 | 773 |
| Average equity | $100,721,500 | 895 |
| Average total loans | $760,585,750 | 748 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 3,610 |
| Cost of funding earning assets | 0.6604% | 3,351 |
| Net interest margin | 3.6488% | 3,107 |
| Noninterest income to average assets | 0.8808% | 1,118 |
| Noninterest expense to average assets | 3.2138% | 1,481 |
| Loan and lease loss provision to assets | 0.1975% | 872 |
| Net operating income to assets | 0.6882% | 4,041 |
| Return on assets (ROA) | 0.6928% | 4,087 |
| Pretax return on assets | 0.7679% | 4,176 |
| Return on Equity (ROE) | 7.1224% | 3,629 |
| Retained earnings to average equity (ytd only) | 4.7169% | 2,909 |
| Net charge-offs to loans | 0.0957% | 1,403 |
| Credit loss provision to net charge-offs | 276.0218% | 945 |
| Earnings coverage of net charge-offs (x) | 13.4196% | 2,102 |
| Efficiency ratio | 76.8907% | 1,284 |
| Assets per employee ($millions) | 3.9211% | 3,975 |
| Cash dividends to net income (ytd only)* | 33.7743% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 1,569 |
| Loan loss allowance to noncurrent loans | 86.5755% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2141% | 1,088 |
| Noncurrent loans to loans | 1.6307% | 948 |
| Net loans and leases to total assets | 73.3996% | 1,986 |
| Net loans and leases to deposits | 88.4145% | 1,953 |
| Net loans and leases to core deposits | 93.4046% | 2,288 |
| Total domestic deposits to total assets | 83.0176% | 3,200 |
| Equity capital to assets | 9.9920% | 3,979 |
| Core capital (leverage) ratio | 9.6556% | 3,972 |
| Tier 1 risk-based capital ratio | 11.4262% | 4,721 |
| Total risk-based capital ratio | 12.6764% | 4,617 |
| Memoranda: | ||
| Average total assets | $1,025,695,670 | 765 |
| Average earning assets | $925,778,000 | 773 |
| Average equity | $99,769,670 | 901 |
| Average total loans | $766,651,670 | 745 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 3,694 |
| Cost of funding earning assets | 0.6416% | 3,351 |
| Net interest margin | 3.6127% | 3,209 |
| Noninterest income to average assets | 0.8426% | 1,183 |
| Noninterest expense to average assets | 3.1810% | 1,538 |
| Loan and lease loss provision to assets | 0.0880% | 1,956 |
| Net operating income to assets | 0.7501% | 3,770 |
| Return on assets (ROA) | 0.7592% | 3,793 |
| Pretax return on assets | 0.8406% | 3,942 |
| Return on Equity (ROE) | 7.9127% | 3,302 |
| Retained earnings to average equity (ytd only) | 5.4768% | 2,702 |
| Net charge-offs to loans | 0.1295% | 965 |
| Credit loss provision to net charge-offs | 90.7631% | 1,715 |
| Earnings coverage of net charge-offs (x) | 9.4699% | 2,026 |
| Efficiency ratio | 77.4895% | 1,329 |
| Assets per employee ($millions) | 4.0197% | 3,894 |
| Cash dividends to net income (ytd only)* | 30.7850% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 1,993 |
| Loan loss allowance to noncurrent loans | 78.0624% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.2657% | 1,045 |
| Noncurrent loans to loans | 1.6925% | 910 |
| Net loans and leases to total assets | 73.7946% | 1,844 |
| Net loans and leases to deposits | 89.9059% | 1,646 |
| Net loans and leases to core deposits | 94.7163% | 2,057 |
| Total domestic deposits to total assets | 82.0798% | 3,703 |
| Equity capital to assets | 9.7909% | 4,014 |
| Core capital (leverage) ratio | 9.6028% | 4,019 |
| Tier 1 risk-based capital ratio | 11.2367% | 4,870 |
| Total risk-based capital ratio | 12.4085% | 4,815 |
| Memoranda: | ||
| Average total assets | $1,026,841,500 | 765 |
| Average earning assets | $925,745,500 | 779 |
| Average equity | $98,525,000 | 906 |
| Average total loans | $769,012,000 | 744 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 3,391 |
| Cost of funding earning assets | 0.5382% | 3,128 |
| Net interest margin | 3.6782% | 3,125 |
| Noninterest income to average assets | 0.8296% | 1,372 |
| Noninterest expense to average assets | 3.2850% | 1,359 |
| Loan and lease loss provision to assets | 0.2836% | 580 |
| Net operating income to assets | 0.5363% | 4,580 |
| Return on assets (ROA) | 0.5449% | 4,554 |
| Pretax return on assets | 0.5703% | 4,682 |
| Return on Equity (ROE) | 5.9649% | 4,189 |
| Retained earnings to average equity (ytd only) | 4.0113% | 3,364 |
| Net charge-offs to loans | 0.2888% | 672 |
| Credit loss provision to net charge-offs | 130.1638% | 2,031 |
| Earnings coverage of net charge-offs (x) | 3.8776% | 3,370 |
| Efficiency ratio | 79.4608% | 1,003 |
| Assets per employee ($millions) | 3.9718% | 3,932 |
| Cash dividends to net income (ytd only)* | 32.7511% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 2,012 |
| Loan loss allowance to noncurrent loans | 69.0736% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 836 |
| Noncurrent loans to loans | 1.8900% | 731 |
| Net loans and leases to total assets | 74.0191% | 1,931 |
| Net loans and leases to deposits | 90.4647% | 1,738 |
| Net loans and leases to core deposits | 95.3622% | 2,107 |
| Total domestic deposits to total assets | 81.8209% | 3,689 |
| Equity capital to assets | 9.4012% | 4,216 |
| Core capital (leverage) ratio | 9.3425% | 4,309 |
| Tier 1 risk-based capital ratio | 10.8649% | 5,038 |
| Total risk-based capital ratio | 12.0167% | 4,974 |
| Memoranda: | ||
| Average total assets | $1,008,654,800 | 759 |
| Average earning assets | $905,024,200 | 779 |
| Average equity | $92,139,000 | 915 |
| Average total loans | $760,985,800 | 732 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 3,401 |
| Cost of funding earning assets | 0.5125% | 3,113 |
| Net interest margin | 3.6613% | 3,161 |
| Noninterest income to average assets | 0.9214% | 1,137 |
| Noninterest expense to average assets | 3.3964% | 1,126 |
| Loan and lease loss provision to assets | 0.2459% | 643 |
| Net operating income to assets | 0.5388% | 4,671 |
| Return on assets (ROA) | 0.5503% | 4,652 |
| Pretax return on assets | 0.5733% | 4,777 |
| Return on Equity (ROE) | 6.0693% | 4,246 |
| Retained earnings to average equity (ytd only) | 4.3093% | 3,604 |
| Net charge-offs to loans | 0.1876% | 890 |
| Credit loss provision to net charge-offs | 173.4522% | 1,542 |
| Earnings coverage of net charge-offs (x) | 5.6942% | 2,947 |
| Efficiency ratio | 80.7282% | 882 |
| Assets per employee ($millions) | 3.9374% | 3,988 |
| Cash dividends to net income (ytd only)* | 28.9995% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 2,053 |
| Loan loss allowance to noncurrent loans | 59.0568% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.7118% | 713 |
| Noncurrent loans to loans | 2.2197% | 631 |
| Net loans and leases to total assets | 75.5291% | 1,725 |
| Net loans and leases to deposits | 91.3365% | 1,716 |
| Net loans and leases to core deposits | 96.4210% | 2,076 |
| Total domestic deposits to total assets | 82.6932% | 3,406 |
| Equity capital to assets | 9.2958% | 4,280 |
| Core capital (leverage) ratio | 9.3300% | 4,364 |
| Tier 1 risk-based capital ratio | 10.7225% | 5,160 |
| Total risk-based capital ratio | 11.8808% | 5,109 |
| Memoranda: | ||
| Average total assets | $1,002,649,500 | 757 |
| Average earning assets | $898,819,000 | 780 |
| Average equity | $90,902,750 | 922 |
| Average total loans | $757,610,250 | 733 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 3,393 |
| Cost of funding earning assets | 0.4912% | 3,073 |
| Net interest margin | 3.6243% | 3,223 |
| Noninterest income to average assets | 0.8821% | 1,235 |
| Noninterest expense to average assets | 3.4159% | 1,118 |
| Loan and lease loss provision to assets | 0.2207% | 740 |
| Net operating income to assets | 0.4772% | 4,800 |
| Return on assets (ROA) | 0.4949% | 4,761 |
| Pretax return on assets | 0.5051% | 4,894 |
| Return on Equity (ROE) | 5.5064% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.1672% | 3,528 |
| Net charge-offs to loans | 0.1800% | 872 |
| Credit loss provision to net charge-offs | 162.9630% | 1,498 |
| Earnings coverage of net charge-offs (x) | 5.2267% | 2,727 |
| Efficiency ratio | 82.7828% | 784 |
| Assets per employee ($millions) | 3.9484% | 3,983 |
| Cash dividends to net income (ytd only)* | 24.3210% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,319 |
| Loan loss allowance to noncurrent loans | 60.9934% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.6013% | 799 |
| Noncurrent loans to loans | 2.0831% | 697 |
| Net loans and leases to total assets | 74.7335% | 1,828 |
| Net loans and leases to deposits | 91.0831% | 1,697 |
| Net loans and leases to core deposits | 96.3871% | 2,023 |
| Total domestic deposits to total assets | 82.0498% | 3,706 |
| Equity capital to assets | 9.2084% | 4,374 |
| Core capital (leverage) ratio | 9.3659% | 4,285 |
| Tier 1 risk-based capital ratio | 10.5700% | 5,243 |
| Total risk-based capital ratio | 11.6764% | 5,206 |
| Memoranda: | ||
| Average total assets | $996,936,330 | 766 |
| Average earning assets | $891,649,330 | 783 |
| Average equity | $89,604,330 | 932 |
| Average total loans | $749,991,000 | 738 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 3,589 |
| Cost of funding earning assets | 0.4806% | 2,954 |
| Net interest margin | 3.5254% | 3,439 |
| Noninterest income to average assets | 0.8288% | 1,364 |
| Noninterest expense to average assets | 3.3617% | 1,233 |
| Loan and lease loss provision to assets | 0.2138% | 749 |
| Net operating income to assets | 0.4093% | 4,911 |
| Return on assets (ROA) | 0.4419% | 4,838 |
| Pretax return on assets | 0.4317% | 4,984 |
| Return on Equity (ROE) | 4.9804% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.9804% | 3,181 |
| Net charge-offs to loans | 0.1314% | 1,017 |
| Credit loss provision to net charge-offs | 216.9421% | 992 |
| Earnings coverage of net charge-offs (x) | 6.2190% | 2,171 |
| Efficiency ratio | 84.5783% | 757 |
| Assets per employee ($millions) | 3.9500% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 2,116 |
| Loan loss allowance to noncurrent loans | 59.7140% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.6708% | 783 |
| Noncurrent loans to loans | 2.2214% | 673 |
| Net loans and leases to total assets | 73.3016% | 1,981 |
| Net loans and leases to deposits | 91.4997% | 1,505 |
| Net loans and leases to core deposits | 97.0078% | 1,905 |
| Total domestic deposits to total assets | 80.1112% | 4,397 |
| Equity capital to assets | 8.7877% | 4,752 |
| Core capital (leverage) ratio | 9.0463% | 4,630 |
| Tier 1 risk-based capital ratio | 10.3238% | 5,408 |
| Total risk-based capital ratio | 11.4666% | 5,364 |
| Memoranda: | ||
| Average total assets | $982,119,000 | 775 |
| Average earning assets | $876,383,000 | 809 |
| Average equity | $87,141,000 | 962 |
| Average total loans | $736,454,000 | 749 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9249% | 3,646 |
| Cost of funding earning assets | 0.3596% | 3,619 |
| Net interest margin | 3.5652% | 3,284 |
| Noninterest income to average assets | 0.9921% | 1,036 |
| Noninterest expense to average assets | 3.7428% | 745 |
| Loan and lease loss provision to assets | 0.4438% | 312 |
| Net operating income to assets | -0.0030% | 5,365 |
| Return on assets (ROA) | 0.0073% | 5,348 |
| Pretax return on assets | 0.0003% | 5,437 |
| Return on Equity (ROE) | 0.0780% | 5,346 |
| Retained earnings to average equity (ytd only) | -1.9866% | 5,281 |
| Net charge-offs to loans | 0.4399% | 554 |
| Credit loss provision to net charge-offs | 140.6831% | 1,882 |
| Earnings coverage of net charge-offs (x) | 1.3754% | 3,896 |
| Efficiency ratio | 89.6120% | 449 |
| Assets per employee ($millions) | 3.7712% | 4,325 |
| Cash dividends to net income (ytd only)* | 2,647.0588% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,331 |
| Loan loss allowance to noncurrent loans | 58.8147% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.6447% | 796 |
| Noncurrent loans to loans | 2.1728% | 677 |
| Net loans and leases to total assets | 74.7259% | 1,804 |
| Net loans and leases to deposits | 92.7985% | 1,407 |
| Net loans and leases to core deposits | 98.8461% | 1,801 |
| Total domestic deposits to total assets | 80.5249% | 4,242 |
| Equity capital to assets | 8.9588% | 4,765 |
| Core capital (leverage) ratio | 9.0877% | 4,537 |
| Tier 1 risk-based capital ratio | 10.1902% | 5,484 |
| Total risk-based capital ratio | 11.3012% | 5,459 |
| Memoranda: | ||
| Average total assets | $937,361,800 | 792 |
| Average earning assets | $837,279,600 | 820 |
| Average equity | $87,184,400 | 933 |
| Average total loans | $672,175,400 | 775 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 3,616 |
| Cost of funding earning assets | 0.3385% | 3,787 |
| Net interest margin | 3.5841% | 3,216 |
| Noninterest income to average assets | 1.0136% | 999 |
| Noninterest expense to average assets | 3.4096% | 1,137 |
| Loan and lease loss provision to assets | 0.4205% | 316 |
| Net operating income to assets | 0.3840% | 5,026 |
| Return on assets (ROA) | 0.3966% | 5,034 |
| Pretax return on assets | 0.3880% | 5,204 |
| Return on Equity (ROE) | 4.2232% | 4,787 |
| Retained earnings to average equity (ytd only) | 1.4679% | 4,831 |
| Net charge-offs to loans | 0.4514% | 462 |
| Credit loss provision to net charge-offs | 131.8161% | 1,870 |
| Earnings coverage of net charge-offs (x) | 2.4948% | 3,458 |
| Efficiency ratio | 81.0767% | 993 |
| Assets per employee ($millions) | 3.6198% | 4,562 |
| Cash dividends to net income (ytd only)* | 65.2411% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,484 |
| Loan loss allowance to noncurrent loans | 63.0574% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 1,016 |
| Noncurrent loans to loans | 2.0221% | 842 |
| Net loans and leases to total assets | 73.0749% | 2,084 |
| Net loans and leases to deposits | 88.1746% | 2,033 |
| Net loans and leases to core deposits | 94.2645% | 2,252 |
| Total domestic deposits to total assets | 82.8753% | 3,500 |
| Equity capital to assets | 9.3013% | 4,647 |
| Core capital (leverage) ratio | 9.5427% | 4,104 |
| Tier 1 risk-based capital ratio | 10.9762% | 5,257 |
| Total risk-based capital ratio | 12.0769% | 5,244 |
| Memoranda: | ||
| Average total assets | $927,519,500 | 808 |
| Average earning assets | $825,996,000 | 842 |
| Average equity | $87,104,750 | 935 |
| Average total loans | $655,389,500 | 797 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 3,692 |
| Cost of funding earning assets | 0.3086% | 3,997 |
| Net interest margin | 3.5495% | 3,215 |
| Noninterest income to average assets | 1.0396% | 947 |
| Noninterest expense to average assets | 3.4151% | 1,137 |
| Loan and lease loss provision to assets | 0.3585% | 396 |
| Net operating income to assets | 0.4154% | 4,945 |
| Return on assets (ROA) | 0.4343% | 4,911 |
| Pretax return on assets | 0.4332% | 5,108 |
| Return on Equity (ROE) | 4.6094% | 4,629 |
| Retained earnings to average equity (ytd only) | 1.8424% | 4,512 |
| Net charge-offs to loans | 0.3704% | 551 |
| Credit loss provision to net charge-offs | 139.2405% | 1,607 |
| Earnings coverage of net charge-offs (x) | 3.0017% | 3,093 |
| Efficiency ratio | 81.5470% | 1,049 |
| Assets per employee ($millions) | 3.6978% | 4,439 |
| Cash dividends to net income (ytd only)* | 60.0300% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,519 |
| Loan loss allowance to noncurrent loans | 58.3545% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.5767% | 949 |
| Noncurrent loans to loans | 2.1905% | 739 |
| Net loans and leases to total assets | 71.0601% | 2,364 |
| Net loans and leases to deposits | 86.1925% | 2,193 |
| Net loans and leases to core deposits | 91.0023% | 2,430 |
| Total domestic deposits to total assets | 82.4435% | 3,752 |
| Equity capital to assets | 9.2959% | 4,624 |
| Core capital (leverage) ratio | 9.7111% | 3,884 |
| Tier 1 risk-based capital ratio | 11.2165% | 5,132 |
| Total risk-based capital ratio | 12.3000% | 5,122 |
| Memoranda: | ||
| Average total assets | $920,567,000 | 814 |
| Average earning assets | $816,519,000 | 856 |
| Average equity | $86,736,000 | 945 |
| Average total loans | $639,860,330 | 825 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8271% | 3,664 |
| Cost of funding earning assets | 0.2919% | 4,126 |
| Net interest margin | 3.5351% | 3,149 |
| Noninterest income to average assets | 0.8617% | 1,358 |
| Noninterest expense to average assets | 3.3409% | 1,306 |
| Loan and lease loss provision to assets | 0.2865% | 491 |
| Net operating income to assets | 0.3865% | 4,984 |
| Return on assets (ROA) | 0.3865% | 5,009 |
| Pretax return on assets | 0.3724% | 5,206 |
| Return on Equity (ROE) | 4.0741% | 4,757 |
| Retained earnings to average equity (ytd only) | 1.2868% | 4,566 |
| Net charge-offs to loans | 0.2404% | 745 |
| Credit loss provision to net charge-offs | 174.7312% | 1,108 |
| Earnings coverage of net charge-offs (x) | 4.0188% | 2,426 |
| Efficiency ratio | 83.5262% | 1,017 |
| Assets per employee ($millions) | 3.7586% | 4,403 |
| Cash dividends to net income (ytd only)* | 68.4151% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 2,328 |
| Loan loss allowance to noncurrent loans | 60.9264% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.6417% | 940 |
| Noncurrent loans to loans | 2.2054% | 766 |
| Net loans and leases to total assets | 68.2353% | 2,641 |
| Net loans and leases to deposits | 78.5680% | 2,909 |
| Net loans and leases to core deposits | 82.5042% | 3,038 |
| Total domestic deposits to total assets | 86.8488% | 2,289 |
| Equity capital to assets | 9.4278% | 4,363 |
| Core capital (leverage) ratio | 10.0794% | 3,399 |
| Tier 1 risk-based capital ratio | 11.7691% | 4,872 |
| Total risk-based capital ratio | 12.8805% | 4,853 |
| Memoranda: | ||
| Average total assets | $907,533,500 | 835 |
| Average earning assets | $805,631,000 | 869 |
| Average equity | $86,105,000 | 947 |
| Average total loans | $619,096,000 | 850 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 3,655 |
| Cost of funding earning assets | 0.3353% | 3,690 |
| Net interest margin | 3.5419% | 3,278 |
| Noninterest income to average assets | 0.9438% | 1,284 |
| Noninterest expense to average assets | 3.3944% | 1,372 |
| Loan and lease loss provision to assets | 0.2086% | 1,086 |
| Net operating income to assets | 0.3865% | 4,987 |
| Return on assets (ROA) | 0.4424% | 4,904 |
| Pretax return on assets | 0.4662% | 5,096 |
| Return on Equity (ROE) | 4.5319% | 4,645 |
| Retained earnings to average equity (ytd only) | 1.7594% | 4,525 |
| Net charge-offs to loans | 0.2422% | 1,150 |
| Credit loss provision to net charge-offs | 130.0070% | 2,068 |
| Earnings coverage of net charge-offs (x) | 3.8384% | 3,600 |
| Efficiency ratio | 84.6396% | 948 |
| Assets per employee ($millions) | 3.6948% | 4,485 |
| Cash dividends to net income (ytd only)* | 61.1777% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 2,292 |
| Loan loss allowance to noncurrent loans | 81.3004% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.2374% | 1,449 |
| Noncurrent loans to loans | 1.6631% | 1,161 |
| Net loans and leases to total assets | 66.3502% | 3,021 |
| Net loans and leases to deposits | 75.6619% | 3,358 |
| Net loans and leases to core deposits | 79.9723% | 3,401 |
| Total domestic deposits to total assets | 87.6931% | 1,795 |
| Equity capital to assets | 9.5363% | 4,230 |
| Core capital (leverage) ratio | 9.8355% | 3,705 |
| Tier 1 risk-based capital ratio | 12.3255% | 4,490 |
| Total risk-based capital ratio | 13.4453% | 4,460 |
| Memoranda: | ||
| Average total assets | $886,675,200 | 820 |
| Average earning assets | $767,688,800 | 878 |
| Average equity | $86,565,000 | 919 |
| Average total loans | $587,582,600 | 847 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 3,628 |
| Cost of funding earning assets | 0.3388% | 3,668 |
| Net interest margin | 3.5490% | 3,276 |
| Noninterest income to average assets | 0.9450% | 1,264 |
| Noninterest expense to average assets | 3.3982% | 1,343 |
| Loan and lease loss provision to assets | 0.1961% | 1,095 |
| Net operating income to assets | 0.3838% | 5,073 |
| Return on assets (ROA) | 0.4578% | 4,926 |
| Pretax return on assets | 0.4851% | 5,159 |
| Return on Equity (ROE) | 4.6619% | 4,660 |
| Retained earnings to average equity (ytd only) | 1.8970% | 4,735 |
| Net charge-offs to loans | 0.2874% | 797 |
| Credit loss provision to net charge-offs | 103.3386% | 2,301 |
| Earnings coverage of net charge-offs (x) | 3.1749% | 3,459 |
| Efficiency ratio | 84.9408% | 908 |
| Assets per employee ($millions) | 3.5721% | 4,686 |
| Cash dividends to net income (ytd only)* | 59.3080% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 2,635 |
| Loan loss allowance to noncurrent loans | 69.6509% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.3676% | 1,372 |
| Noncurrent loans to loans | 1.8807% | 1,073 |
| Net loans and leases to total assets | 65.1151% | 3,255 |
| Net loans and leases to deposits | 76.4227% | 3,359 |
| Net loans and leases to core deposits | 80.9227% | 3,359 |
| Total domestic deposits to total assets | 85.2039% | 2,720 |
| Equity capital to assets | 9.8047% | 4,359 |
| Core capital (leverage) ratio | 10.0380% | 3,522 |
| Tier 1 risk-based capital ratio | 12.4964% | 4,482 |
| Total risk-based capital ratio | 13.5818% | 4,490 |
| Memoranda: | ||
| Average total assets | $883,884,750 | 820 |
| Average earning assets | $761,023,250 | 881 |
| Average equity | $86,801,250 | 920 |
| Average total loans | $583,507,750 | 850 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 3,662 |
| Cost of funding earning assets | 0.3416% | 3,662 |
| Net interest margin | 3.5365% | 3,345 |
| Noninterest income to average assets | 0.9232% | 1,304 |
| Noninterest expense to average assets | 3.4556% | 1,254 |
| Loan and lease loss provision to assets | 0.3187% | 542 |
| Net operating income to assets | 0.2391% | 5,446 |
| Return on assets (ROA) | 0.3563% | 5,252 |
| Pretax return on assets | 0.3329% | 5,447 |
| Return on Equity (ROE) | 3.6262% | 5,048 |
| Retained earnings to average equity (ytd only) | 0.8457% | 5,045 |
| Net charge-offs to loans | 0.4151% | 550 |
| Credit loss provision to net charge-offs | 116.2791% | 1,909 |
| Earnings coverage of net charge-offs (x) | 1.9493% | 3,349 |
| Efficiency ratio | 86.6077% | 825 |
| Assets per employee ($millions) | 3.5815% | 4,625 |
| Cash dividends to net income (ytd only)* | 76.6773% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 2,642 |
| Loan loss allowance to noncurrent loans | 111.2451% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0113% | 2,120 |
| Noncurrent loans to loans | 1.1923% | 1,928 |
| Net loans and leases to total assets | 66.1848% | 3,053 |
| Net loans and leases to deposits | 80.9525% | 2,823 |
| Net loans and leases to core deposits | 85.7182% | 2,929 |
| Total domestic deposits to total assets | 81.7576% | 4,071 |
| Equity capital to assets | 9.8341% | 4,406 |
| Core capital (leverage) ratio | 10.4070% | 3,071 |
| Tier 1 risk-based capital ratio | 11.9669% | 4,844 |
| Total risk-based capital ratio | 13.0373% | 4,863 |
| Memoranda: | ||
| Average total assets | $878,459,670 | 827 |
| Average earning assets | $761,767,670 | 878 |
| Average equity | $86,315,670 | 923 |
| Average total loans | $580,037,000 | 856 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 3,796 |
| Cost of funding earning assets | 0.3758% | 3,345 |
| Net interest margin | 3.4664% | 3,601 |
| Noninterest income to average assets | 0.8741% | 1,373 |
| Noninterest expense to average assets | 3.6192% | 992 |
| Loan and lease loss provision to assets | 0.0688% | 2,577 |
| Net operating income to assets | 0.2231% | 5,484 |
| Return on assets (ROA) | 0.4496% | 4,915 |
| Pretax return on assets | 0.4625% | 5,175 |
| Return on Equity (ROE) | 4.5782% | 4,669 |
| Retained earnings to average equity (ytd only) | 1.7752% | 4,555 |
| Net charge-offs to loans | 0.0602% | 1,906 |
| Credit loss provision to net charge-offs | 174.4186% | 1,176 |
| Earnings coverage of net charge-offs (x) | 7.5465% | 2,142 |
| Efficiency ratio | 92.3978% | 524 |
| Assets per employee ($millions) | 3.4482% | 4,887 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 2,604 |
| Loan loss allowance to noncurrent loans | 81.6963% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 1,504 |
| Noncurrent loans to loans | 1.6653% | 1,358 |
| Net loans and leases to total assets | 66.4157% | 2,889 |
| Net loans and leases to deposits | 77.7989% | 3,022 |
| Net loans and leases to core deposits | 82.4653% | 3,093 |
| Total domestic deposits to total assets | 85.3684% | 2,971 |
| Equity capital to assets | 10.1049% | 3,942 |
| Core capital (leverage) ratio | 10.3521% | 3,124 |
| Tier 1 risk-based capital ratio | 12.8826% | 4,336 |
| Total risk-based capital ratio | 14.0155% | 4,326 |
| Memoranda: | ||
| Average total assets | $871,796,500 | 837 |
| Average earning assets | $765,285,000 | 879 |
| Average equity | $85,624,000 | 926 |
| Average total loans | $570,975,000 | 865 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9257% | 3,615 |
| Cost of funding earning assets | 0.4716% | 2,425 |
| Net interest margin | 3.4541% | 3,702 |
| Noninterest income to average assets | 0.8490% | 1,609 |
| Noninterest expense to average assets | 3.3921% | 1,499 |
| Loan and lease loss provision to assets | 0.1163% | 2,055 |
| Net operating income to assets | 0.3708% | 5,140 |
| Return on assets (ROA) | 0.3794% | 5,197 |
| Pretax return on assets | 0.3686% | 5,383 |
| Return on Equity (ROE) | 4.0623% | 4,919 |
| Retained earnings to average equity (ytd only) | 1.1468% | 5,054 |
| Net charge-offs to loans | 0.0646% | 2,934 |
| Credit loss provision to net charge-offs | 283.1492% | 1,032 |
| Earnings coverage of net charge-offs (x) | 11.5939% | 2,553 |
| Efficiency ratio | 87.6888% | 852 |
| Assets per employee ($millions) | 3.5024% | 4,833 |
| Cash dividends to net income (ytd only)* | 71.7703% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 2,611 |
| Loan loss allowance to noncurrent loans | 97.4805% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.2004% | 1,805 |
| Noncurrent loans to loans | 1.3964% | 1,674 |
| Net loans and leases to total assets | 63.0309% | 3,408 |
| Net loans and leases to deposits | 74.8687% | 3,393 |
| Net loans and leases to core deposits | 79.3790% | 3,408 |
| Total domestic deposits to total assets | 84.1887% | 3,405 |
| Equity capital to assets | 9.3217% | 4,765 |
| Core capital (leverage) ratio | 10.0605% | 3,427 |
| Tier 1 risk-based capital ratio | 12.6506% | 4,548 |
| Total risk-based capital ratio | 13.7587% | 4,520 |
| Memoranda: | ||
| Average total assets | $881,282,800 | 780 |
| Average earning assets | $770,350,200 | 819 |
| Average equity | $82,317,000 | 921 |
| Average total loans | $560,340,000 | 834 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 3,698 |
| Cost of funding earning assets | 0.4718% | 2,480 |
| Net interest margin | 3.4440% | 3,774 |
| Noninterest income to average assets | 0.9310% | 1,372 |
| Noninterest expense to average assets | 3.4183% | 1,442 |
| Loan and lease loss provision to assets | 0.0379% | 3,454 |
| Net operating income to assets | 0.4672% | 4,909 |
| Return on assets (ROA) | 0.4672% | 5,006 |
| Pretax return on assets | 0.4923% | 5,237 |
| Return on Equity (ROE) | 4.9996% | 4,627 |
| Retained earnings to average equity (ytd only) | 2.0787% | 4,841 |
| Net charge-offs to loans | -0.0224% | 5,241 |
| Credit loss provision to net charge-offs | -265.9574% | 5,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5730% | 967 |
| Assets per employee ($millions) | 3.4682% | 4,853 |
| Cash dividends to net income (ytd only)* | 58.4226% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 3,088 |
| Loan loss allowance to noncurrent loans | 152.8430% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.0168% | 2,327 |
| Noncurrent loans to loans | 0.8509% | 2,846 |
| Net loans and leases to total assets | 64.4219% | 3,238 |
| Net loans and leases to deposits | 76.9742% | 3,199 |
| Net loans and leases to core deposits | 82.2976% | 3,219 |
| Total domestic deposits to total assets | 83.6928% | 3,539 |
| Equity capital to assets | 9.5027% | 4,746 |
| Core capital (leverage) ratio | 10.0995% | 3,502 |
| Tier 1 risk-based capital ratio | 12.7770% | 4,565 |
| Total risk-based capital ratio | 13.8460% | 4,590 |
| Memoranda: | ||
| Average total assets | $879,198,000 | 792 |
| Average earning assets | $770,321,500 | 829 |
| Average equity | $82,164,250 | 932 |
| Average total loans | $558,306,250 | 843 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 3,648 |
| Cost of funding earning assets | 0.4713% | 2,503 |
| Net interest margin | 3.4379% | 3,758 |
| Noninterest income to average assets | 0.9490% | 1,304 |
| Noninterest expense to average assets | 3.3371% | 1,608 |
| Loan and lease loss provision to assets | 0.0681% | 2,753 |
| Net operating income to assets | 0.5040% | 4,749 |
| Return on assets (ROA) | 0.5040% | 4,859 |
| Pretax return on assets | 0.5444% | 5,106 |
| Return on Equity (ROE) | 5.4233% | 4,415 |
| Retained earnings to average equity (ytd only) | 2.4918% | 4,466 |
| Net charge-offs to loans | -0.0079% | 4,864 |
| Credit loss provision to net charge-offs | -1,363.6364% | 5,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4916% | 1,211 |
| Assets per employee ($millions) | 3.4974% | 4,793 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 3,272 |
| Loan loss allowance to noncurrent loans | 110.5185% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.3119% | 1,918 |
| Noncurrent loans to loans | 1.1710% | 2,310 |
| Net loans and leases to total assets | 63.5049% | 3,343 |
| Net loans and leases to deposits | 77.7281% | 3,064 |
| Net loans and leases to core deposits | 83.2608% | 3,053 |
| Total domestic deposits to total assets | 81.7013% | 4,387 |
| Equity capital to assets | 9.2233% | 4,989 |
| Core capital (leverage) ratio | 10.0037% | 3,596 |
| Tier 1 risk-based capital ratio | 12.6668% | 4,700 |
| Total risk-based capital ratio | 13.7265% | 4,736 |
| Memoranda: | ||
| Average total assets | $880,935,330 | 794 |
| Average earning assets | $768,896,000 | 831 |
| Average equity | $81,868,330 | 942 |
| Average total loans | $554,256,000 | 850 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 3,516 |
| Cost of funding earning assets | 0.4671% | 2,588 |
| Net interest margin | 3.4557% | 3,607 |
| Noninterest income to average assets | 0.9033% | 1,374 |
| Noninterest expense to average assets | 3.3168% | 1,681 |
| Loan and lease loss provision to assets | 0.1254% | 1,655 |
| Net operating income to assets | 0.4605% | 4,829 |
| Return on assets (ROA) | 0.4605% | 4,948 |
| Pretax return on assets | 0.4701% | 5,258 |
| Return on Equity (ROE) | 4.9368% | 4,562 |
| Retained earnings to average equity (ytd only) | 2.0040% | 4,674 |
| Net charge-offs to loans | -0.0447% | 5,464 |
| Credit loss provision to net charge-offs | -450.8197% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7786% | 1,288 |
| Assets per employee ($millions) | 3.4483% | 4,996 |
| Cash dividends to net income (ytd only)* | 59.4059% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 3,221 |
| Loan loss allowance to noncurrent loans | 120.1329% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.2748% | 2,092 |
| Noncurrent loans to loans | 1.1111% | 2,548 |
| Net loans and leases to total assets | 62.0573% | 3,356 |
| Net loans and leases to deposits | 75.0222% | 3,161 |
| Net loans and leases to core deposits | 80.0306% | 3,163 |
| Total domestic deposits to total assets | 82.7186% | 4,266 |
| Equity capital to assets | 9.3062% | 4,954 |
| Core capital (leverage) ratio | 10.0543% | 3,531 |
| Tier 1 risk-based capital ratio | 12.6812% | 4,793 |
| Total risk-based capital ratio | 13.7515% | 4,812 |
| Memoranda: | ||
| Average total assets | $877,231,000 | 800 |
| Average earning assets | $763,845,500 | 845 |
| Average equity | $81,835,000 | 934 |
| Average total loans | $545,614,500 | 861 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 3,698 |
| Cost of funding earning assets | 0.5103% | 2,571 |
| Net interest margin | 3.4987% | 3,802 |
| Noninterest income to average assets | 0.8388% | 1,717 |
| Noninterest expense to average assets | 3.3721% | 1,760 |
| Loan and lease loss provision to assets | 0.0696% | 3,093 |
| Net operating income to assets | 0.4486% | 5,029 |
| Return on assets (ROA) | 0.4489% | 5,117 |
| Pretax return on assets | 0.4568% | 5,370 |
| Return on Equity (ROE) | 4.9232% | 4,704 |
| Retained earnings to average equity (ytd only) | 2.3802% | 4,534 |
| Net charge-offs to loans | 0.0687% | 3,494 |
| Credit loss provision to net charge-offs | 168.5393% | 1,453 |
| Earnings coverage of net charge-offs (x) | 12.7472% | 2,340 |
| Efficiency ratio | 86.5045% | 1,119 |
| Assets per employee ($millions) | 3.3527% | 5,158 |
| Cash dividends to net income (ytd only)* | 51.6529% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 3,316 |
| Loan loss allowance to noncurrent loans | 105.4239% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.3556% | 2,064 |
| Noncurrent loans to loans | 1.2521% | 2,358 |
| Net loans and leases to total assets | 60.6774% | 3,696 |
| Net loans and leases to deposits | 73.6277% | 3,482 |
| Net loans and leases to core deposits | 78.9918% | 3,411 |
| Total domestic deposits to total assets | 82.4111% | 4,276 |
| Equity capital to assets | 9.3517% | 4,912 |
| Core capital (leverage) ratio | 10.0053% | 3,569 |
| Tier 1 risk-based capital ratio | 13.3701% | 4,484 |
| Total risk-based capital ratio | 14.4525% | 4,509 |
| Memoranda: | ||
| Average total assets | $862,611,400 | 778 |
| Average earning assets | $754,284,400 | 812 |
| Average equity | $78,648,800 | 932 |
| Average total loans | $518,240,600 | 858 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 3,840 |
| Cost of funding earning assets | 0.5210% | 2,561 |
| Net interest margin | 3.4578% | 3,988 |
| Noninterest income to average assets | 0.8756% | 1,603 |
| Noninterest expense to average assets | 3.3975% | 1,676 |
| Loan and lease loss provision to assets | 0.1240% | 2,014 |
| Net operating income to assets | 0.3916% | 5,275 |
| Return on assets (ROA) | 0.3905% | 5,363 |
| Pretax return on assets | 0.3823% | 5,614 |
| Return on Equity (ROE) | 4.3114% | 5,036 |
| Retained earnings to average equity (ytd only) | 2.3866% | 4,865 |
| Net charge-offs to loans | 0.1573% | 2,238 |
| Credit loss provision to net charge-offs | 132.0132% | 1,755 |
| Earnings coverage of net charge-offs (x) | 5.4026% | 3,271 |
| Efficiency ratio | 87.0064% | 1,095 |
| Assets per employee ($millions) | 3.1756% | 5,477 |
| Cash dividends to net income (ytd only)* | 44.6427% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 3,461 |
| Loan loss allowance to noncurrent loans | 76.9189% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.6911% | 1,789 |
| Noncurrent loans to loans | 1.7387% | 1,862 |
| Net loans and leases to total assets | 60.2230% | 3,748 |
| Net loans and leases to deposits | 72.3226% | 3,653 |
| Net loans and leases to core deposits | 77.5479% | 3,577 |
| Total domestic deposits to total assets | 83.2699% | 4,042 |
| Equity capital to assets | 9.3511% | 4,974 |
| Core capital (leverage) ratio | 10.0685% | 3,572 |
| Tier 1 risk-based capital ratio | 13.4018% | 4,602 |
| Total risk-based capital ratio | 14.4849% | 4,643 |
| Memoranda: | ||
| Average total assets | $860,341,500 | 784 |
| Average earning assets | $753,710,000 | 814 |
| Average equity | $77,931,500 | 941 |
| Average total loans | $513,802,250 | 869 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,856 |
| Cost of funding earning assets | 0.5282% | 2,556 |
| Net interest margin | 3.4408% | 4,011 |
| Noninterest income to average assets | 0.9123% | 1,457 |
| Noninterest expense to average assets | 3.3959% | 1,686 |
| Loan and lease loss provision to assets | 0.0814% | 2,674 |
| Net operating income to assets | 0.4389% | 5,061 |
| Return on assets (ROA) | 0.4373% | 5,148 |
| Pretax return on assets | 0.4520% | 5,412 |
| Return on Equity (ROE) | 4.8804% | 4,732 |
| Retained earnings to average equity (ytd only) | 2.9344% | 4,337 |
| Net charge-offs to loans | 0.0804% | 2,884 |
| Credit loss provision to net charge-offs | 170.7317% | 1,333 |
| Earnings coverage of net charge-offs (x) | 11.2244% | 2,180 |
| Efficiency ratio | 86.3911% | 1,232 |
| Assets per employee ($millions) | 3.2060% | 5,416 |
| Cash dividends to net income (ytd only)* | 39.8724% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 3,626 |
| Loan loss allowance to noncurrent loans | 60.2314% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.1181% | 1,462 |
| Noncurrent loans to loans | 2.2288% | 1,470 |
| Net loans and leases to total assets | 59.8940% | 3,735 |
| Net loans and leases to deposits | 71.4598% | 3,640 |
| Net loans and leases to core deposits | 76.4989% | 3,574 |
| Total domestic deposits to total assets | 83.8150% | 3,991 |
| Equity capital to assets | 9.3005% | 4,983 |
| Core capital (leverage) ratio | 10.0106% | 3,593 |
| Tier 1 risk-based capital ratio | 13.3554% | 4,687 |
| Total risk-based capital ratio | 14.4306% | 4,733 |
| Memoranda: | ||
| Average total assets | $860,263,000 | 783 |
| Average earning assets | $754,705,670 | 815 |
| Average equity | $77,084,330 | 946 |
| Average total loans | $509,973,000 | 868 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9357% | 3,944 |
| Cost of funding earning assets | 0.5444% | 2,469 |
| Net interest margin | 3.3913% | 4,158 |
| Noninterest income to average assets | 0.8827% | 1,446 |
| Noninterest expense to average assets | 3.3298% | 1,878 |
| Loan and lease loss provision to assets | 0.1160% | 2,027 |
| Net operating income to assets | 0.3956% | 5,136 |
| Return on assets (ROA) | 0.3956% | 5,206 |
| Pretax return on assets | 0.4156% | 5,407 |
| Return on Equity (ROE) | 4.5001% | 4,787 |
| Retained earnings to average equity (ytd only) | 2.5217% | 4,557 |
| Net charge-offs to loans | 0.1956% | 1,560 |
| Credit loss provision to net charge-offs | 101.2146% | 1,640 |
| Earnings coverage of net charge-offs (x) | 4.6397% | 2,496 |
| Efficiency ratio | 86.2342% | 1,428 |
| Assets per employee ($millions) | 3.3406% | 5,273 |
| Cash dividends to net income (ytd only)* | 43.9625% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 3,901 |
| Loan loss allowance to noncurrent loans | 59.4726% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 2.0508% | 1,650 |
| Noncurrent loans to loans | 2.2551% | 1,601 |
| Net loans and leases to total assets | 58.1035% | 3,826 |
| Net loans and leases to deposits | 69.4230% | 3,673 |
| Net loans and leases to core deposits | 73.4912% | 3,700 |
| Total domestic deposits to total assets | 83.6948% | 4,386 |
| Equity capital to assets | 8.8884% | 5,239 |
| Core capital (leverage) ratio | 9.8672% | 3,765 |
| Tier 1 risk-based capital ratio | 13.4148% | 4,757 |
| Total risk-based capital ratio | 14.4807% | 4,806 |
| Memoranda: | ||
| Average total assets | $862,400,000 | 788 |
| Average earning assets | $757,471,000 | 821 |
| Average equity | $75,821,000 | 965 |
| Average total loans | $505,128,500 | 875 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 4,835 |
| Cost of funding earning assets | 0.5964% | 2,694 |
| Net interest margin | 3.1989% | 5,008 |
| Noninterest income to average assets | 0.8394% | 1,903 |
| Noninterest expense to average assets | 3.1936% | 2,439 |
| Loan and lease loss provision to assets | 0.1483% | 2,429 |
| Net operating income to assets | 0.3359% | 5,389 |
| Return on assets (ROA) | 0.3332% | 5,506 |
| Pretax return on assets | 0.3577% | 5,588 |
| Return on Equity (ROE) | 3.7319% | 5,224 |
| Retained earnings to average equity (ytd only) | 2.1987% | 4,686 |
| Net charge-offs to loans | 0.3768% | 1,787 |
| Credit loss provision to net charge-offs | 72.5042% | 3,240 |
| Earnings coverage of net charge-offs (x) | 2.4886% | 4,182 |
| Efficiency ratio | 86.2543% | 1,392 |
| Assets per employee ($millions) | 3.3188% | 5,246 |
| Cash dividends to net income (ytd only)* | 41.0818% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 3,826 |
| Loan loss allowance to noncurrent loans | 57.5484% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 2.1272% | 1,676 |
| Noncurrent loans to loans | 2.3707% | 1,623 |
| Net loans and leases to total assets | 57.4547% | 4,130 |
| Net loans and leases to deposits | 68.0239% | 4,055 |
| Net loans and leases to core deposits | 72.0681% | 4,057 |
| Total domestic deposits to total assets | 84.4625% | 3,984 |
| Equity capital to assets | 8.6947% | 5,378 |
| Core capital (leverage) ratio | 9.7398% | 3,924 |
| Tier 1 risk-based capital ratio | 13.5925% | 4,586 |
| Total risk-based capital ratio | 14.6782% | 4,644 |
| Memoranda: | ||
| Average total assets | $876,723,600 | 754 |
| Average earning assets | $784,703,400 | 771 |
| Average equity | $78,271,800 | 912 |
| Average total loans | $475,803,400 | 894 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7690% | 4,966 |
| Cost of funding earning assets | 0.6035% | 2,781 |
| Net interest margin | 3.1656% | 5,097 |
| Noninterest income to average assets | 0.9586% | 1,584 |
| Noninterest expense to average assets | 3.1952% | 2,385 |
| Loan and lease loss provision to assets | 0.1211% | 2,784 |
| Net operating income to assets | 0.4124% | 5,200 |
| Return on assets (ROA) | 0.4091% | 5,350 |
| Pretax return on assets | 0.4779% | 5,427 |
| Return on Equity (ROE) | 4.5530% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.0370% | 4,502 |
| Net charge-offs to loans | 0.3248% | 1,917 |
| Credit loss provision to net charge-offs | 69.9301% | 3,074 |
| Earnings coverage of net charge-offs (x) | 3.4825% | 3,684 |
| Efficiency ratio | 84.1256% | 1,576 |
| Assets per employee ($millions) | 3.4328% | 4,987 |
| Cash dividends to net income (ytd only)* | 33.2963% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 3,670 |
| Loan loss allowance to noncurrent loans | 70.3771% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.9274% | 2,105 |
| Noncurrent loans to loans | 2.0655% | 2,175 |
| Net loans and leases to total assets | 54.2686% | 4,569 |
| Net loans and leases to deposits | 64.6935% | 4,442 |
| Net loans and leases to core deposits | 68.7822% | 4,458 |
| Total domestic deposits to total assets | 83.8857% | 4,241 |
| Equity capital to assets | 8.5017% | 5,737 |
| Core capital (leverage) ratio | 9.7466% | 4,034 |
| Tier 1 risk-based capital ratio | 14.1057% | 4,351 |
| Total risk-based capital ratio | 15.2558% | 4,382 |
| Memoranda: | ||
| Average total assets | $881,010,000 | 754 |
| Average earning assets | $790,277,000 | 768 |
| Average equity | $79,155,250 | 911 |
| Average total loans | $469,579,500 | 905 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7905% | 4,860 |
| Cost of funding earning assets | 0.6110% | 2,838 |
| Net interest margin | 3.1795% | 5,012 |
| Noninterest income to average assets | 0.9441% | 1,679 |
| Noninterest expense to average assets | 3.2383% | 2,244 |
| Loan and lease loss provision to assets | 0.1131% | 2,924 |
| Net operating income to assets | 0.3923% | 5,245 |
| Return on assets (ROA) | 0.3882% | 5,422 |
| Pretax return on assets | 0.4509% | 5,516 |
| Return on Equity (ROE) | 4.2459% | 5,114 |
| Retained earnings to average equity (ytd only) | 2.7613% | 4,559 |
| Net charge-offs to loans | 0.2266% | 2,374 |
| Credit loss provision to net charge-offs | 94.6970% | 2,340 |
| Earnings coverage of net charge-offs (x) | 4.7614% | 3,043 |
| Efficiency ratio | 85.0606% | 1,522 |
| Assets per employee ($millions) | 3.3543% | 5,162 |
| Cash dividends to net income (ytd only)* | 34.9650% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,346 |
| Loan loss allowance to noncurrent loans | 76.4860% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.8674% | 2,318 |
| Noncurrent loans to loans | 2.0317% | 2,366 |
| Net loans and leases to total assets | 53.6168% | 4,642 |
| Net loans and leases to deposits | 63.2360% | 4,597 |
| Net loans and leases to core deposits | 67.2728% | 4,566 |
| Total domestic deposits to total assets | 84.7884% | 4,002 |
| Equity capital to assets | 8.8767% | 5,356 |
| Core capital (leverage) ratio | 9.6387% | 4,021 |
| Tier 1 risk-based capital ratio | 14.3233% | 4,210 |
| Total risk-based capital ratio | 15.5539% | 4,174 |
| Memoranda: | ||
| Average total assets | $884,035,000 | 748 |
| Average earning assets | $796,034,670 | 763 |
| Average equity | $80,830,670 | 899 |
| Average total loans | $466,050,330 | 910 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7677% | 4,935 |
| Cost of funding earning assets | 0.6205% | 2,920 |
| Net interest margin | 3.1471% | 5,106 |
| Noninterest income to average assets | 0.8804% | 1,829 |
| Noninterest expense to average assets | 3.2486% | 2,205 |
| Loan and lease loss provision to assets | 0.0894% | 3,172 |
| Net operating income to assets | 0.3450% | 5,378 |
| Return on assets (ROA) | 0.3450% | 5,522 |
| Pretax return on assets | 0.3870% | 5,607 |
| Return on Equity (ROE) | 3.7212% | 5,227 |
| Retained earnings to average equity (ytd only) | 2.2751% | 4,882 |
| Net charge-offs to loans | 0.2283% | 2,075 |
| Credit loss provision to net charge-offs | 75.4717% | 2,219 |
| Earnings coverage of net charge-offs (x) | 4.0226% | 2,630 |
| Efficiency ratio | 87.2106% | 1,398 |
| Assets per employee ($millions) | 3.2476% | 5,543 |
| Cash dividends to net income (ytd only)* | 38.8601% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 3,454 |
| Loan loss allowance to noncurrent loans | 71.7434% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.8204% | 2,586 |
| Noncurrent loans to loans | 2.2115% | 2,376 |
| Net loans and leases to total assets | 50.7849% | 4,881 |
| Net loans and leases to deposits | 60.2094% | 4,770 |
| Net loans and leases to core deposits | 64.7488% | 4,672 |
| Total domestic deposits to total assets | 84.3470% | 4,335 |
| Equity capital to assets | 9.2894% | 5,148 |
| Core capital (leverage) ratio | 9.4933% | 4,097 |
| Tier 1 risk-based capital ratio | 15.0588% | 3,794 |
| Total risk-based capital ratio | 16.3094% | 3,750 |
| Memoranda: | ||
| Average total assets | $895,019,500 | 740 |
| Average earning assets | $808,991,000 | 755 |
| Average equity | $82,984,500 | 877 |
| Average total loans | $464,321,500 | 916 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 4,888 |
| Cost of funding earning assets | 0.7305% | 3,250 |
| Net interest margin | 3.3861% | 4,935 |
| Noninterest income to average assets | 0.9376% | 1,749 |
| Noninterest expense to average assets | 3.4617% | 1,921 |
| Loan and lease loss provision to assets | 0.2749% | 2,449 |
| Net operating income to assets | 0.2211% | 5,732 |
| Return on assets (ROA) | 0.4409% | 5,172 |
| Pretax return on assets | 0.5316% | 5,192 |
| Return on Equity (ROE) | 4.6777% | 4,843 |
| Retained earnings to average equity (ytd only) | 3.4627% | 3,788 |
| Net charge-offs to loans | 0.7378% | 1,596 |
| Credit loss provision to net charge-offs | 67.1517% | 4,247 |
| Earnings coverage of net charge-offs (x) | 1.3232% | 4,803 |
| Efficiency ratio | 86.4712% | 1,384 |
| Assets per employee ($millions) | 3.2037% | 5,615 |
| Cash dividends to net income (ytd only)* | 25.9740% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 3,501 |
| Loan loss allowance to noncurrent loans | 66.1070% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.9538% | 2,508 |
| Noncurrent loans to loans | 2.3516% | 2,287 |
| Net loans and leases to total assets | 51.3373% | 4,991 |
| Net loans and leases to deposits | 61.4843% | 4,848 |
| Net loans and leases to core deposits | 65.6572% | 4,776 |
| Total domestic deposits to total assets | 83.4966% | 4,535 |
| Equity capital to assets | 9.2546% | 5,204 |
| Core capital (leverage) ratio | 9.4955% | 4,109 |
| Tier 1 risk-based capital ratio | 14.6807% | 3,906 |
| Total risk-based capital ratio | 15.9311% | 3,866 |
| Memoranda: | ||
| Average total assets | $873,145,200 | 754 |
| Average earning assets | $790,528,600 | 755 |
| Average equity | $82,304,600 | 854 |
| Average total loans | $484,423,800 | 849 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 4,832 |
| Cost of funding earning assets | 0.7527% | 3,331 |
| Net interest margin | 3.4435% | 4,865 |
| Noninterest income to average assets | 0.9310% | 1,732 |
| Noninterest expense to average assets | 3.5560% | 1,639 |
| Loan and lease loss provision to assets | 0.3004% | 2,197 |
| Net operating income to assets | 0.1667% | 5,995 |
| Return on assets (ROA) | 0.3951% | 5,488 |
| Pretax return on assets | 0.4549% | 5,585 |
| Return on Equity (ROE) | 4.1717% | 5,217 |
| Retained earnings to average equity (ytd only) | 2.9519% | 4,787 |
| Net charge-offs to loans | 0.8603% | 1,275 |
| Credit loss provision to net charge-offs | 61.9638% | 4,104 |
| Earnings coverage of net charge-offs (x) | 1.0165% | 4,808 |
| Efficiency ratio | 87.8291% | 1,210 |
| Assets per employee ($millions) | 3.1334% | 5,777 |
| Cash dividends to net income (ytd only)* | 29.2400% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 3,621 |
| Loan loss allowance to noncurrent loans | 65.4329% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 2.0371% | 2,597 |
| Noncurrent loans to loans | 2.4065% | 2,397 |
| Net loans and leases to total assets | 51.6480% | 5,092 |
| Net loans and leases to deposits | 62.3410% | 4,924 |
| Net loans and leases to core deposits | 66.8653% | 4,859 |
| Total domestic deposits to total assets | 82.8475% | 4,711 |
| Equity capital to assets | 9.5994% | 5,059 |
| Core capital (leverage) ratio | 9.5872% | 4,133 |
| Tier 1 risk-based capital ratio | 14.9219% | 3,905 |
| Total risk-based capital ratio | 16.1727% | 3,862 |
| Memoranda: | ||
| Average total assets | $865,568,000 | 764 |
| Average earning assets | $783,684,750 | 766 |
| Average equity | $81,978,000 | 859 |
| Average total loans | $487,746,500 | 851 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 4,583 |
| Cost of funding earning assets | 0.7742% | 3,407 |
| Net interest margin | 3.5249% | 4,568 |
| Noninterest income to average assets | 0.8304% | 2,054 |
| Noninterest expense to average assets | 3.5504% | 1,676 |
| Loan and lease loss provision to assets | 0.2792% | 2,351 |
| Net operating income to assets | 0.1554% | 6,028 |
| Return on assets (ROA) | 0.3597% | 5,602 |
| Pretax return on assets | 0.4416% | 5,594 |
| Return on Equity (ROE) | 3.8159% | 5,352 |
| Retained earnings to average equity (ytd only) | 2.5817% | 4,901 |
| Net charge-offs to loans | 0.8177% | 1,347 |
| Credit loss provision to net charge-offs | 59.2008% | 3,821 |
| Earnings coverage of net charge-offs (x) | 0.9936% | 4,535 |
| Efficiency ratio | 88.3402% | 1,204 |
| Assets per employee ($millions) | 3.2031% | 5,641 |
| Cash dividends to net income (ytd only)* | 32.3415% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 3,572 |
| Loan loss allowance to noncurrent loans | 84.4917% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.8791% | 2,931 |
| Noncurrent loans to loans | 1.9049% | 3,070 |
| Net loans and leases to total assets | 54.0235% | 4,800 |
| Net loans and leases to deposits | 64.7233% | 4,675 |
| Net loans and leases to core deposits | 69.3272% | 4,623 |
| Total domestic deposits to total assets | 83.4683% | 4,546 |
| Equity capital to assets | 9.4350% | 5,149 |
| Core capital (leverage) ratio | 9.5571% | 4,067 |
| Tier 1 risk-based capital ratio | 14.5744% | 4,044 |
| Total risk-based capital ratio | 15.8258% | 4,009 |
| Memoranda: | ||
| Average total assets | $859,553,670 | 771 |
| Average earning assets | $777,545,330 | 775 |
| Average equity | $81,030,330 | 857 |
| Average total loans | $495,772,670 | 835 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 4,539 |
| Cost of funding earning assets | 0.7803% | 3,626 |
| Net interest margin | 3.5638% | 4,426 |
| Noninterest income to average assets | 0.8334% | 2,019 |
| Noninterest expense to average assets | 3.5159% | 1,728 |
| Loan and lease loss provision to assets | 0.0935% | 4,177 |
| Net operating income to assets | 0.3480% | 5,486 |
| Return on assets (ROA) | 0.4611% | 5,189 |
| Pretax return on assets | 0.5981% | 5,126 |
| Return on Equity (ROE) | 4.8935% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.6528% | 4,389 |
| Net charge-offs to loans | 0.4836% | 1,879 |
| Credit loss provision to net charge-offs | 32.7332% | 3,575 |
| Earnings coverage of net charge-offs (x) | 1.9067% | 3,378 |
| Efficiency ratio | 86.5830% | 1,424 |
| Assets per employee ($millions) | 3.0361% | 6,084 |
| Cash dividends to net income (ytd only)* | 25.3550% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 3,542 |
| Loan loss allowance to noncurrent loans | 58.3983% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.4601% | 2,405 |
| Noncurrent loans to loans | 2.8247% | 2,284 |
| Net loans and leases to total assets | 55.7223% | 4,434 |
| Net loans and leases to deposits | 68.1745% | 4,028 |
| Net loans and leases to core deposits | 72.5056% | 4,076 |
| Total domestic deposits to total assets | 81.7348% | 5,382 |
| Equity capital to assets | 9.3132% | 5,079 |
| Core capital (leverage) ratio | 9.6572% | 3,835 |
| Tier 1 risk-based capital ratio | 14.3040% | 4,236 |
| Total risk-based capital ratio | 15.5560% | 4,211 |
| Memoranda: | ||
| Average total assets | $855,312,500 | 776 |
| Average earning assets | $774,568,500 | 778 |
| Average equity | $80,596,000 | 857 |
| Average total loans | $505,352,000 | 822 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 4,109 |
| Cost of funding earning assets | 0.8779% | 4,269 |
| Net interest margin | 3.8557% | 3,539 |
| Noninterest income to average assets | 0.7866% | 2,135 |
| Noninterest expense to average assets | 3.3883% | 2,271 |
| Loan and lease loss provision to assets | 0.4341% | 2,430 |
| Net operating income to assets | 0.3226% | 5,178 |
| Return on assets (ROA) | 0.3928% | 5,067 |
| Pretax return on assets | 0.5166% | 4,941 |
| Return on Equity (ROE) | 4.2824% | 4,725 |
| Retained earnings to average equity (ytd only) | 3.7068% | 3,572 |
| Net charge-offs to loans | 1.5391% | 1,030 |
| Credit loss provision to net charge-offs | 43.8909% | 5,556 |
| Earnings coverage of net charge-offs (x) | 0.8679% | 5,148 |
| Efficiency ratio | 79.7878% | 2,329 |
| Assets per employee ($millions) | 2.9250% | 6,239 |
| Cash dividends to net income (ytd only)* | 13.4409% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 3,456 |
| Loan loss allowance to noncurrent loans | 94.5062% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 2.1746% | 2,764 |
| Noncurrent loans to loans | 1.7277% | 3,575 |
| Net loans and leases to total assets | 60.5630% | 3,880 |
| Net loans and leases to deposits | 74.0583% | 3,493 |
| Net loans and leases to core deposits | 78.8996% | 3,582 |
| Total domestic deposits to total assets | 81.7775% | 5,197 |
| Equity capital to assets | 9.5354% | 4,822 |
| Core capital (leverage) ratio | 9.6006% | 3,868 |
| Tier 1 risk-based capital ratio | 13.5981% | 4,623 |
| Total risk-based capital ratio | 14.8503% | 4,592 |
| Memoranda: | ||
| Average total assets | $852,349,400 | 763 |
| Average earning assets | $764,858,400 | 775 |
| Average equity | $78,179,800 | 860 |
| Average total loans | $547,705,000 | 773 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7863% | 4,084 |
| Cost of funding earning assets | 0.8978% | 4,415 |
| Net interest margin | 3.8885% | 3,440 |
| Noninterest income to average assets | 0.8127% | 1,993 |
| Noninterest expense to average assets | 3.4092% | 2,168 |
| Loan and lease loss provision to assets | 0.4527% | 2,199 |
| Net operating income to assets | 0.3312% | 5,288 |
| Return on assets (ROA) | 0.3831% | 5,256 |
| Pretax return on assets | 0.5036% | 5,148 |
| Return on Equity (ROE) | 4.2178% | 4,909 |
| Retained earnings to average equity (ytd only) | 3.8741% | 3,968 |
| Net charge-offs to loans | 1.5331% | 943 |
| Credit loss provision to net charge-offs | 45.4831% | 5,129 |
| Earnings coverage of net charge-offs (x) | 0.8923% | 4,953 |
| Efficiency ratio | 79.3338% | 2,356 |
| Assets per employee ($millions) | 2.8370% | 6,425 |
| Cash dividends to net income (ytd only)* | 8.1500% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 2,779 |
| Loan loss allowance to noncurrent loans | 74.6936% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 2.8404% | 2,285 |
| Noncurrent loans to loans | 2.4761% | 2,799 |
| Net loans and leases to total assets | 61.0093% | 3,940 |
| Net loans and leases to deposits | 74.9165% | 3,518 |
| Net loans and leases to core deposits | 79.8859% | 3,658 |
| Total domestic deposits to total assets | 81.4364% | 5,277 |
| Equity capital to assets | 9.4410% | 5,176 |
| Core capital (leverage) ratio | 9.6026% | 3,986 |
| Tier 1 risk-based capital ratio | 13.4033% | 4,804 |
| Total risk-based capital ratio | 14.6580% | 4,771 |
| Memoranda: | ||
| Average total assets | $854,106,000 | 772 |
| Average earning assets | $765,392,000 | 783 |
| Average equity | $77,573,500 | 874 |
| Average total loans | $554,518,500 | 767 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8209% | 4,000 |
| Cost of funding earning assets | 0.9214% | 4,510 |
| Net interest margin | 3.8995% | 3,307 |
| Noninterest income to average assets | 0.8317% | 1,885 |
| Noninterest expense to average assets | 3.3986% | 2,262 |
| Loan and lease loss provision to assets | 0.5374% | 1,816 |
| Net operating income to assets | 0.3083% | 5,341 |
| Return on assets (ROA) | 0.3177% | 5,434 |
| Pretax return on assets | 0.4028% | 5,384 |
| Return on Equity (ROE) | 3.5446% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.5446% | 3,986 |
| Net charge-offs to loans | 1.9709% | 684 |
| Credit loss provision to net charge-offs | 41.4116% | 4,793 |
| Earnings coverage of net charge-offs (x) | 0.7153% | 4,755 |
| Efficiency ratio | 78.5475% | 2,622 |
| Assets per employee ($millions) | 2.7237% | 6,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8492% | 2,828 |
| Loan loss allowance to noncurrent loans | 102.3709% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 2.4806% | 2,692 |
| Noncurrent loans to loans | 1.8063% | 3,746 |
| Net loans and leases to total assets | 63.9360% | 3,476 |
| Net loans and leases to deposits | 77.7597% | 3,166 |
| Net loans and leases to core deposits | 83.2838% | 3,323 |
| Total domestic deposits to total assets | 82.2226% | 5,088 |
| Equity capital to assets | 9.5173% | 4,795 |
| Core capital (leverage) ratio | 9.3897% | 4,128 |
| Tier 1 risk-based capital ratio | 13.0448% | 4,881 |
| Total risk-based capital ratio | 14.2996% | 4,860 |
| Memoranda: | ||
| Average total assets | $856,049,670 | 774 |
| Average earning assets | $767,285,670 | 788 |
| Average equity | $76,736,000 | 885 |
| Average total loans | $563,598,330 | 764 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 4,090 |
| Cost of funding earning assets | 0.9448% | 4,610 |
| Net interest margin | 3.8480% | 3,381 |
| Noninterest income to average assets | 0.8087% | 1,996 |
| Noninterest expense to average assets | 3.3064% | 2,539 |
| Loan and lease loss provision to assets | 0.8275% | 1,007 |
| Net operating income to assets | 0.1365% | 5,983 |
| Return on assets (ROA) | 0.1365% | 6,041 |
| Pretax return on assets | 0.1273% | 6,115 |
| Return on Equity (ROE) | 1.5693% | 5,952 |
| Retained earnings to average equity (ytd only) | 1.5693% | 5,169 |
| Net charge-offs to loans | 3.2961% | 311 |
| Credit loss provision to net charge-offs | 37.9427% | 3,985 |
| Earnings coverage of net charge-offs (x) | 0.4378% | 4,295 |
| Efficiency ratio | 77.5920% | 2,905 |
| Assets per employee ($millions) | 2.9782% | 6,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 2,945 |
| Loan loss allowance to noncurrent loans | 46.3515% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 3.8883% | 1,722 |
| Noncurrent loans to loans | 3.9300% | 1,864 |
| Net loans and leases to total assets | 64.6219% | 3,328 |
| Net loans and leases to deposits | 80.7637% | 2,561 |
| Net loans and leases to core deposits | 86.1736% | 2,843 |
| Total domestic deposits to total assets | 80.0136% | 5,946 |
| Equity capital to assets | 8.8509% | 5,418 |
| Core capital (leverage) ratio | 8.9833% | 4,637 |
| Tier 1 risk-based capital ratio | 12.3385% | 5,409 |
| Total risk-based capital ratio | 13.5931% | 5,398 |
| Memoranda: | ||
| Average total assets | $870,066,000 | 768 |
| Average earning assets | $780,671,000 | 776 |
| Average equity | $75,701,500 | 885 |
| Average total loans | $575,710,000 | 763 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9275% | 4,890 |
| Cost of funding earning assets | 1.2054% | 4,533 |
| Net interest margin | 3.7221% | 4,262 |
| Noninterest income to average assets | 0.7904% | 2,330 |
| Noninterest expense to average assets | 3.0890% | 3,508 |
| Loan and lease loss provision to assets | 0.9630% | 1,685 |
| Net operating income to assets | 0.1075% | 5,572 |
| Return on assets (ROA) | 0.1637% | 5,556 |
| Pretax return on assets | 0.1732% | 5,550 |
| Return on Equity (ROE) | 1.9655% | 5,391 |
| Retained earnings to average equity (ytd only) | 0.9013% | 5,097 |
| Net charge-offs to loans | 0.5549% | 3,398 |
| Credit loss provision to net charge-offs | 256.1118% | 1,107 |
| Earnings coverage of net charge-offs (x) | 2.8644% | 3,641 |
| Efficiency ratio | 74.1476% | 3,365 |
| Assets per employee ($millions) | 3.0220% | 6,052 |
| Cash dividends to net income (ytd only)* | 54.1444% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2540% | 1,766 |
| Loan loss allowance to noncurrent loans | 63.1288% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 3.6720% | 1,878 |
| Noncurrent loans to loans | 3.5705% | 2,105 |
| Net loans and leases to total assets | 65.0074% | 3,663 |
| Net loans and leases to deposits | 84.3695% | 2,394 |
| Net loans and leases to core deposits | 89.5881% | 2,821 |
| Total domestic deposits to total assets | 77.0508% | 6,472 |
| Equity capital to assets | 8.5546% | 5,790 |
| Core capital (leverage) ratio | 8.6278% | 5,144 |
| Tier 1 risk-based capital ratio | 11.9201% | 5,548 |
| Total risk-based capital ratio | 13.1790% | 5,520 |
| Memoranda: | ||
| Average total assets | $913,826,400 | 738 |
| Average earning assets | $828,763,400 | 732 |
| Average equity | $76,114,400 | 865 |
| Average total loans | $619,224,600 | 717 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 5,289 |
| Cost of funding earning assets | 1.2601% | 4,496 |
| Net interest margin | 3.6356% | 4,699 |
| Noninterest income to average assets | 0.8989% | 1,801 |
| Noninterest expense to average assets | 3.0525% | 3,564 |
| Loan and lease loss provision to assets | 1.0849% | 1,341 |
| Net operating income to assets | 0.0732% | 5,833 |
| Return on assets (ROA) | 0.1515% | 5,793 |
| Pretax return on assets | 0.1449% | 5,841 |
| Return on Equity (ROE) | 1.8303% | 5,667 |
| Retained earnings to average equity (ytd only) | 0.6765% | 5,531 |
| Net charge-offs to loans | 0.6927% | 2,684 |
| Credit loss provision to net charge-offs | 230.1319% | 1,495 |
| Earnings coverage of net charge-offs (x) | 2.4428% | 3,952 |
| Efficiency ratio | 72.6068% | 3,590 |
| Assets per employee ($millions) | 3.1858% | 5,712 |
| Cash dividends to net income (ytd only)* | 63.0372% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 2,316 |
| Loan loss allowance to noncurrent loans | 50.6931% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 3.7207% | 1,910 |
| Noncurrent loans to loans | 3.8703% | 1,967 |
| Net loans and leases to total assets | 66.1554% | 3,650 |
| Net loans and leases to deposits | 86.7098% | 2,201 |
| Net loans and leases to core deposits | 93.3131% | 2,618 |
| Total domestic deposits to total assets | 76.2952% | 6,601 |
| Equity capital to assets | 8.4868% | 6,289 |
| Core capital (leverage) ratio | 8.5373% | 5,437 |
| Tier 1 risk-based capital ratio | 11.4206% | 6,000 |
| Total risk-based capital ratio | 12.6771% | 5,981 |
| Memoranda: | ||
| Average total assets | $921,679,250 | 728 |
| Average earning assets | $837,921,000 | 721 |
| Average equity | $76,271,250 | 867 |
| Average total loans | $627,315,000 | 706 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 5,373 |
| Cost of funding earning assets | 1.3474% | 4,204 |
| Net interest margin | 3.5550% | 5,028 |
| Noninterest income to average assets | 1.0068% | 1,368 |
| Noninterest expense to average assets | 3.0420% | 3,548 |
| Loan and lease loss provision to assets | 1.2985% | 1,057 |
| Net operating income to assets | -0.0058% | 6,089 |
| Return on assets (ROA) | -0.0058% | 6,193 |
| Pretax return on assets | -0.0996% | 6,242 |
| Return on Equity (ROE) | -0.0712% | 6,196 |
| Retained earnings to average equity (ytd only) | -1.4163% | 6,048 |
| Net charge-offs to loans | 0.6839% | 2,505 |
| Credit loss provision to net charge-offs | 278.1641% | 1,337 |
| Earnings coverage of net charge-offs (x) | 2.5684% | 3,713 |
| Efficiency ratio | 71.7289% | 3,862 |
| Assets per employee ($millions) | 3.0983% | 5,923 |
| Cash dividends to net income (ytd only)* | -1,888.8889% | 7,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 2,496 |
| Loan loss allowance to noncurrent loans | 60.5388% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 3.2190% | 2,195 |
| Noncurrent loans to loans | 3.0959% | 2,594 |
| Net loans and leases to total assets | 67.5188% | 3,493 |
| Net loans and leases to deposits | 89.1634% | 1,979 |
| Net loans and leases to core deposits | 95.6891% | 2,479 |
| Total domestic deposits to total assets | 75.7248% | 6,745 |
| Equity capital to assets | 8.4228% | 6,264 |
| Core capital (leverage) ratio | 8.1438% | 6,043 |
| Tier 1 risk-based capital ratio | 11.2483% | 5,999 |
| Total risk-based capital ratio | 12.5048% | 5,976 |
| Memoranda: | ||
| Average total assets | $924,130,330 | 723 |
| Average earning assets | $840,732,000 | 715 |
| Average equity | $75,829,330 | 864 |
| Average total loans | $630,759,670 | 708 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 5,500 |
| Cost of funding earning assets | 1.3952% | 4,214 |
| Net interest margin | 3.4966% | 5,173 |
| Noninterest income to average assets | 1.0370% | 1,186 |
| Noninterest expense to average assets | 2.9930% | 3,705 |
| Loan and lease loss provision to assets | 2.0165% | 548 |
| Net operating income to assets | -0.4423% | 6,795 |
| Return on assets (ROA) | -0.4423% | 6,828 |
| Pretax return on assets | -0.7822% | 6,940 |
| Return on Equity (ROE) | -5.4613% | 6,909 |
| Retained earnings to average equity (ytd only) | -7.3683% | 6,780 |
| Net charge-offs to loans | 0.8968% | 1,777 |
| Credit loss provision to net charge-offs | 330.7530% | 1,202 |
| Earnings coverage of net charge-offs (x) | 2.0246% | 3,528 |
| Efficiency ratio | 70.8008% | 4,155 |
| Assets per employee ($millions) | 3.2221% | 5,717 |
| Cash dividends to net income (ytd only)* | -34.9176% | 7,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 2,854 |
| Loan loss allowance to noncurrent loans | 62.6067% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.6783% | 2,721 |
| Noncurrent loans to loans | 2.8158% | 2,848 |
| Net loans and leases to total assets | 65.5567% | 3,972 |
| Net loans and leases to deposits | 90.3405% | 1,854 |
| Net loans and leases to core deposits | 96.5667% | 2,513 |
| Total domestic deposits to total assets | 72.5662% | 7,209 |
| Equity capital to assets | 7.9087% | 6,747 |
| Core capital (leverage) ratio | 8.2437% | 5,843 |
| Tier 1 risk-based capital ratio | 10.8513% | 6,291 |
| Total risk-based capital ratio | 12.4429% | 5,925 |
| Memoranda: | ||
| Average total assets | $932,297,500 | 730 |
| Average earning assets | $850,659,500 | 724 |
| Average equity | $75,513,000 | 875 |
| Average total loans | $633,819,500 | 722 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2387% | 5,469 |
| Cost of funding earning assets | 1.8059% | 3,960 |
| Net interest margin | 3.4328% | 5,245 |
| Noninterest income to average assets | 0.9604% | 1,704 |
| Noninterest expense to average assets | 3.1342% | 3,598 |
| Loan and lease loss provision to assets | 0.7917% | 2,759 |
| Net operating income to assets | 0.1587% | 5,028 |
| Return on assets (ROA) | 0.1891% | 5,006 |
| Pretax return on assets | 0.2074% | 4,990 |
| Return on Equity (ROE) | 2.1357% | 4,852 |
| Retained earnings to average equity (ytd only) | -0.9209% | 5,232 |
| Net charge-offs to loans | 0.8541% | 2,690 |
| Credit loss provision to net charge-offs | 126.9153% | 4,097 |
| Earnings coverage of net charge-offs (x) | 1.5481% | 4,586 |
| Efficiency ratio | 76.4465% | 3,448 |
| Assets per employee ($millions) | 3.1095% | 5,967 |
| Cash dividends to net income (ytd only)* | 143.1181% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 5,129 |
| Loan loss allowance to noncurrent loans | 148.2096% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 4,299 |
| Noncurrent loans to loans | 0.8350% | 5,621 |
| Net loans and leases to total assets | 68.4199% | 3,606 |
| Net loans and leases to deposits | 94.5557% | 1,521 |
| Net loans and leases to core deposits | 119.1098% | 2,021 |
| Total domestic deposits to total assets | 72.3593% | 7,213 |
| Equity capital to assets | 8.2969% | 6,200 |
| Core capital (leverage) ratio | 8.6319% | 5,048 |
| Tier 1 risk-based capital ratio | 11.1057% | 5,824 |
| Total risk-based capital ratio | 12.2345% | 5,902 |
| Memoranda: | ||
| Average total assets | $868,430,400 | 781 |
| Average earning assets | $794,231,000 | 772 |
| Average equity | $76,884,400 | 841 |
| Average total loans | $634,241,200 | 739 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3074% | 5,388 |
| Cost of funding earning assets | 1.8812% | 3,980 |
| Net interest margin | 3.4262% | 5,167 |
| Noninterest income to average assets | 1.0128% | 1,552 |
| Noninterest expense to average assets | 3.1491% | 3,463 |
| Loan and lease loss provision to assets | 0.7786% | 2,427 |
| Net operating income to assets | 0.1928% | 5,184 |
| Return on assets (ROA) | 0.1928% | 5,258 |
| Pretax return on assets | 0.2216% | 5,249 |
| Return on Equity (ROE) | 2.1415% | 5,115 |
| Retained earnings to average equity (ytd only) | -1.0586% | 5,504 |
| Net charge-offs to loans | 0.7681% | 2,442 |
| Credit loss provision to net charge-offs | 136.9113% | 3,615 |
| Earnings coverage of net charge-offs (x) | 1.7588% | 4,476 |
| Efficiency ratio | 75.8951% | 3,533 |
| Assets per employee ($millions) | 2.9310% | 6,325 |
| Cash dividends to net income (ytd only)* | 149.4345% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 5,004 |
| Loan loss allowance to noncurrent loans | 96.4668% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 1.9046% | 3,495 |
| Noncurrent loans to loans | 1.2651% | 4,830 |
| Net loans and leases to total assets | 72.3404% | 2,945 |
| Net loans and leases to deposits | 100.1994% | 1,085 |
| Net loans and leases to core deposits | 123.3061% | 1,967 |
| Total domestic deposits to total assets | 72.1965% | 7,183 |
| Equity capital to assets | 8.8824% | 5,658 |
| Core capital (leverage) ratio | 9.0360% | 4,595 |
| Tier 1 risk-based capital ratio | 11.3513% | 5,588 |
| Total risk-based capital ratio | 12.4875% | 5,653 |
| Memoranda: | ||
| Average total assets | $856,210,250 | 805 |
| Average earning assets | $783,816,750 | 800 |
| Average equity | $77,078,500 | 852 |
| Average total loans | $633,929,750 | 754 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3086% | 5,618 |
| Cost of funding earning assets | 1.9522% | 3,992 |
| Net interest margin | 3.3564% | 5,331 |
| Noninterest income to average assets | 0.9847% | 1,649 |
| Noninterest expense to average assets | 3.1768% | 3,405 |
| Loan and lease loss provision to assets | 0.9385% | 1,796 |
| Net operating income to assets | 0.0108% | 5,805 |
| Return on assets (ROA) | 0.0108% | 5,883 |
| Pretax return on assets | -0.0535% | 5,942 |
| Return on Equity (ROE) | 0.1194% | 5,879 |
| Retained earnings to average equity (ytd only) | -3.3833% | 6,030 |
| Net charge-offs to loans | 0.9886% | 1,777 |
| Credit loss provision to net charge-offs | 127.7547% | 3,642 |
| Earnings coverage of net charge-offs (x) | 1.2047% | 4,629 |
| Efficiency ratio | 78.2116% | 3,313 |
| Assets per employee ($millions) | 2.8882% | 6,422 |
| Cash dividends to net income (ytd only)* | 2,934.7826% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 5,270 |
| Loan loss allowance to noncurrent loans | 101.8622% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.7870% | 3,498 |
| Noncurrent loans to loans | 1.1289% | 4,961 |
| Net loans and leases to total assets | 73.6502% | 2,803 |
| Net loans and leases to deposits | 99.6393% | 1,323 |
| Net loans and leases to core deposits | 123.5209% | 2,068 |
| Total domestic deposits to total assets | 73.9168% | 6,958 |
| Equity capital to assets | 8.9840% | 5,339 |
| Core capital (leverage) ratio | 8.9093% | 4,771 |
| Tier 1 risk-based capital ratio | 11.4062% | 5,489 |
| Total risk-based capital ratio | 12.4870% | 5,570 |
| Memoranda: | ||
| Average total assets | $852,417,670 | 825 |
| Average earning assets | $781,487,000 | 819 |
| Average equity | $77,083,670 | 860 |
| Average total loans | $633,449,330 | 773 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2814% | 5,968 |
| Cost of funding earning assets | 1.9963% | 4,150 |
| Net interest margin | 3.2852% | 5,544 |
| Noninterest income to average assets | 0.9550% | 1,619 |
| Noninterest expense to average assets | 3.0579% | 3,526 |
| Loan and lease loss provision to assets | 0.4684% | 2,601 |
| Net operating income to assets | 0.3382% | 5,124 |
| Return on assets (ROA) | 0.3382% | 5,307 |
| Pretax return on assets | 0.4501% | 5,244 |
| Return on Equity (ROE) | 3.7273% | 5,072 |
| Retained earnings to average equity (ytd only) | -0.6608% | 5,800 |
| Net charge-offs to loans | 0.2474% | 3,168 |
| Credit loss provision to net charge-offs | 255.1020% | 1,846 |
| Earnings coverage of net charge-offs (x) | 5.0026% | 2,772 |
| Efficiency ratio | 76.9022% | 3,346 |
| Assets per employee ($millions) | 2.9937% | 6,172 |
| Cash dividends to net income (ytd only)* | 117.7285% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 5,369 |
| Loan loss allowance to noncurrent loans | 56.7981% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.8706% | 3,108 |
| Noncurrent loans to loans | 1.9602% | 3,321 |
| Net loans and leases to total assets | 71.0230% | 3,461 |
| Net loans and leases to deposits | 96.3709% | 1,890 |
| Net loans and leases to core deposits | 121.7626% | 2,273 |
| Total domestic deposits to total assets | 73.6976% | 6,935 |
| Equity capital to assets | 8.8095% | 5,609 |
| Core capital (leverage) ratio | 9.2723% | 4,282 |
| Tier 1 risk-based capital ratio | 11.6207% | 5,281 |
| Total risk-based capital ratio | 12.6663% | 5,392 |
| Memoranda: | ||
| Average total assets | $854,058,500 | 822 |
| Average earning assets | $785,467,500 | 815 |
| Average equity | $77,482,500 | 850 |
| Average total loans | $633,841,500 | 783 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0937% | 5,075 |
| Cost of funding earning assets | 2.4991% | 4,212 |
| Net interest margin | 3.5946% | 4,914 |
| Noninterest income to average assets | 1.1093% | 1,274 |
| Noninterest expense to average assets | 2.9863% | 4,131 |
| Loan and lease loss provision to assets | 0.2896% | 4,064 |
| Net operating income to assets | 0.8138% | 3,373 |
| Return on assets (ROA) | 0.8097% | 3,236 |
| Pretax return on assets | 1.1268% | 2,933 |
| Return on Equity (ROE) | 8.7789% | 2,720 |
| Retained earnings to average equity (ytd only) | 4.4614% | 2,353 |
| Net charge-offs to loans | 0.1803% | 4,388 |
| Credit loss provision to net charge-offs | 213.5231% | 2,261 |
| Earnings coverage of net charge-offs (x) | 10.4849% | 2,506 |
| Efficiency ratio | 67.7415% | 4,768 |
| Assets per employee ($millions) | 2.8361% | 6,477 |
| Cash dividends to net income (ytd only)* | 49.1803% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,007 |
| Loan loss allowance to noncurrent loans | 140.0831% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 4,326 |
| Noncurrent loans to loans | 0.7171% | 5,240 |
| Net loans and leases to total assets | 75.9698% | 2,631 |
| Net loans and leases to deposits | 97.4891% | 2,196 |
| Net loans and leases to core deposits | 121.4984% | 2,554 |
| Total domestic deposits to total assets | 77.9264% | 5,737 |
| Equity capital to assets | 9.3496% | 4,874 |
| Core capital (leverage) ratio | 9.3764% | 4,198 |
| Tier 1 risk-based capital ratio | 11.7263% | 5,035 |
| Total risk-based capital ratio | 12.6884% | 5,200 |
| Memoranda: | ||
| Average total assets | $828,717,200 | 820 |
| Average earning assets | $760,589,800 | 814 |
| Average equity | $76,433,000 | 868 |
| Average total loans | $623,257,800 | 765 |