Home > Unity Bank > Performance and Condition Ratios
Unity Bank, 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 | 6.3464% | 866 |
| Cost of funding earning assets | 2.2802% | 1,570 |
| Net interest margin | 4.0662% | 1,095 |
| Noninterest income to average assets | 0.2400% | 3,442 |
| Noninterest expense to average assets | 1.8904% | 3,801 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 1.5821% | 795 |
| Return on assets (ROA) | 1.5795% | 795 |
| Pretax return on assets | 2.0730% | 528 |
| Return on Equity (ROE) | 14.7800% | 976 |
| Retained earnings to average equity (ytd only) | 12.5476% | 254 |
| Net charge-offs to loans | 0.0669% | 1,458 |
| Credit loss provision to net charge-offs | 163.4080% | 1,320 |
| Earnings coverage of net charge-offs (x) | 39.2987% | 1,361 |
| Efficiency ratio | 45.8995% | 4,170 |
| Assets per employee ($millions) | 11.8136% | 451 |
| Cash dividends to net income (ytd only)* | 15.0989% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 2,250 |
| Loan loss allowance to noncurrent loans | 193.5269% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 1,214 |
| Noncurrent loans to loans | 0.6120% | 1,577 |
| Net loans and leases to total assets | 84.4600% | 244 |
| Net loans and leases to deposits | 106.4000% | 245 |
| Net loans and leases to core deposits | 135.9323% | 297 |
| Total domestic deposits to total assets | 79.3800% | 3,632 |
| Equity capital to assets | 11.2556% | 1,478 |
| Core capital (leverage) ratio | 11.9523% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3722% | 1,425 |
| Memoranda: | ||
| Average total assets | $2,597,959,800 | 470 |
| Average earning assets | $2,476,673,200 | 444 |
| Average equity | $277,663,200 | 441 |
| Average total loans | $2,200,207,400 | 397 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3032% | 884 |
| Cost of funding earning assets | 2.3211% | 1,498 |
| Net interest margin | 3.9821% | 1,166 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 1.8776% | 3,788 |
| Loan and lease loss provision to assets | 0.1400% | 908 |
| Net operating income to assets | 1.5250% | 909 |
| Return on assets (ROA) | 1.5295% | 899 |
| Pretax return on assets | 2.0389% | 609 |
| Return on Equity (ROE) | 14.5100% | 1,043 |
| Retained earnings to average equity (ytd only) | 11.8269% | 528 |
| Net charge-offs to loans | 0.0481% | 1,422 |
| Credit loss provision to net charge-offs | 245.8122% | 958 |
| Earnings coverage of net charge-offs (x) | 53.4010% | 1,167 |
| Efficiency ratio | 46.3915% | 4,150 |
| Assets per employee ($millions) | 11.8371% | 444 |
| Cash dividends to net income (ytd only)* | 18.4831% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 2,127 |
| Loan loss allowance to noncurrent loans | 207.3886% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 1,188 |
| Noncurrent loans to loans | 0.5868% | 1,624 |
| Net loans and leases to total assets | 83.4100% | 298 |
| Net loans and leases to deposits | 107.0951% | 232 |
| Net loans and leases to core deposits | 133.2700% | 340 |
| Total domestic deposits to total assets | 77.8900% | 3,741 |
| Equity capital to assets | 10.9084% | 1,778 |
| Core capital (leverage) ratio | 11.6734% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9687% | 1,542 |
| Memoranda: | ||
| Average total assets | $2,585,886,000 | 467 |
| Average earning assets | $2,461,735,500 | 444 |
| Average equity | $272,615,750 | 443 |
| Average total loans | $2,184,813,000 | 394 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2465% | 870 |
| Cost of funding earning assets | 2.3144% | 1,420 |
| Net interest margin | 3.9321% | 1,214 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 1.8892% | 3,781 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4797% | 952 |
| Return on assets (ROA) | 1.4728% | 960 |
| Pretax return on assets | 1.9607% | 679 |
| Return on Equity (ROE) | 14.1400% | 1,134 |
| Retained earnings to average equity (ytd only) | 10.0450% | 867 |
| Net charge-offs to loans | 0.0602% | 1,166 |
| Credit loss provision to net charge-offs | 138.8379% | 1,258 |
| Earnings coverage of net charge-offs (x) | 41.1223% | 1,238 |
| Efficiency ratio | 47.4603% | 4,131 |
| Assets per employee ($millions) | 11.9325% | 424 |
| Cash dividends to net income (ytd only)* | 28.9493% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,230 |
| Loan loss allowance to noncurrent loans | 208.9563% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 1,132 |
| Noncurrent loans to loans | 0.5754% | 1,580 |
| Net loans and leases to total assets | 82.8500% | 398 |
| Net loans and leases to deposits | 106.6851% | 295 |
| Net loans and leases to core deposits | 133.7120% | 350 |
| Total domestic deposits to total assets | 77.6600% | 3,741 |
| Equity capital to assets | 10.6049% | 1,750 |
| Core capital (leverage) ratio | 11.3534% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6737% | 1,631 |
| Memoranda: | ||
| Average total assets | $2,571,900,000 | 467 |
| Average earning assets | $2,449,759,333 | 442 |
| Average equity | $267,935,333 | 446 |
| Average total loans | $2,173,444,667 | 396 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2355% | 812 |
| Cost of funding earning assets | 2.2794% | 1,385 |
| Net interest margin | 3.9560% | 1,141 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 1.9108% | 3,762 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 1.4879% | 917 |
| Return on assets (ROA) | 1.4816% | 933 |
| Pretax return on assets | 1.9765% | 649 |
| Return on Equity (ROE) | 14.3500% | 1,082 |
| Retained earnings to average equity (ytd only) | 11.6628% | 801 |
| Net charge-offs to loans | 0.0763% | 852 |
| Credit loss provision to net charge-offs | 154.4578% | 930 |
| Earnings coverage of net charge-offs (x) | 32.1904% | 1,148 |
| Efficiency ratio | 47.8225% | 4,110 |
| Assets per employee ($millions) | 11.7914% | 443 |
| Cash dividends to net income (ytd only)* | 18.7382% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,291 |
| Loan loss allowance to noncurrent loans | 153.1595% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 952 |
| Noncurrent loans to loans | 0.7827% | 1,132 |
| Net loans and leases to total assets | 84.0100% | 270 |
| Net loans and leases to deposits | 109.5894% | 204 |
| Net loans and leases to core deposits | 137.0843% | 308 |
| Total domestic deposits to total assets | 76.6600% | 3,926 |
| Equity capital to assets | 10.4988% | 1,725 |
| Core capital (leverage) ratio | 11.1008% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3569% | 1,754 |
| Memoranda: | ||
| Average total assets | $2,563,169,500 | 472 |
| Average earning assets | $2,448,314,500 | 446 |
| Average equity | $264,603,000 | 453 |
| Average total loans | $2,174,408,000 | 398 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0663% | 583 |
| Cost of funding earning assets | 2.0172% | 895 |
| Net interest margin | 4.0491% | 1,133 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.9256% | 3,781 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.5349% | 956 |
| Return on assets (ROA) | 1.5382% | 923 |
| Pretax return on assets | 2.0708% | 608 |
| Return on Equity (ROE) | 15.7100% | 1,153 |
| Retained earnings to average equity (ytd only) | 9.5348% | 1,126 |
| Net charge-offs to loans | 0.0939% | 945 |
| Credit loss provision to net charge-offs | 90.6482% | 1,947 |
| Earnings coverage of net charge-offs (x) | 27.2444% | 1,691 |
| Efficiency ratio | 46.7562% | 4,160 |
| Assets per employee ($millions) | 11.0673% | 523 |
| Cash dividends to net income (ytd only)* | 39.3227% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,355 |
| Loan loss allowance to noncurrent loans | 134.7545% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 692 |
| Noncurrent loans to loans | 0.8828% | 858 |
| Net loans and leases to total assets | 83.6300% | 300 |
| Net loans and leases to deposits | 111.5639% | 175 |
| Net loans and leases to core deposits | 141.1662% | 271 |
| Total domestic deposits to total assets | 74.9600% | 4,034 |
| Equity capital to assets | 10.1483% | 1,920 |
| Core capital (leverage) ratio | 10.7477% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0176% | 1,864 |
| Memoranda: | ||
| Average total assets | $2,510,980,000 | 465 |
| Average earning assets | $2,382,539,000 | 445 |
| Average equity | $245,795,400 | 457 |
| Average total loans | $2,152,499,800 | 384 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0016% | 529 |
| Cost of funding earning assets | 1.9312% | 813 |
| Net interest margin | 4.0705% | 1,120 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.9437% | 3,727 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5691% | 984 |
| Return on assets (ROA) | 1.5660% | 987 |
| Pretax return on assets | 2.1111% | 645 |
| Return on Equity (ROE) | 16.1500% | 1,229 |
| Retained earnings to average equity (ytd only) | 8.5967% | 1,794 |
| Net charge-offs to loans | 0.0959% | 811 |
| Credit loss provision to net charge-offs | 91.9041% | 1,683 |
| Earnings coverage of net charge-offs (x) | 26.5311% | 1,664 |
| Efficiency ratio | 47.0496% | 4,086 |
| Assets per employee ($millions) | 10.9936% | 502 |
| Cash dividends to net income (ytd only)* | 46.7708% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 2,407 |
| Loan loss allowance to noncurrent loans | 143.5423% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.7178% | 785 |
| Noncurrent loans to loans | 0.8298% | 994 |
| Net loans and leases to total assets | 84.3000% | 257 |
| Net loans and leases to deposits | 114.0554% | 131 |
| Net loans and leases to core deposits | 142.8431% | 194 |
| Total domestic deposits to total assets | 73.9100% | 4,166 |
| Equity capital to assets | 9.8429% | 1,915 |
| Core capital (leverage) ratio | 10.3483% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,496,824,250 | 466 |
| Average earning assets | $2,365,335,750 | 449 |
| Average equity | $242,102,000 | 459 |
| Average total loans | $2,147,321,000 | 383 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9028% | 503 |
| Cost of funding earning assets | 1.7862% | 757 |
| Net interest margin | 4.1166% | 1,058 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.9362% | 3,744 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.5889% | 966 |
| Return on assets (ROA) | 1.5933% | 960 |
| Pretax return on assets | 2.1666% | 561 |
| Return on Equity (ROE) | 16.5200% | 1,180 |
| Retained earnings to average equity (ytd only) | 6.2236% | 2,536 |
| Net charge-offs to loans | 0.0879% | 740 |
| Credit loss provision to net charge-offs | 94.1489% | 1,487 |
| Earnings coverage of net charge-offs (x) | 29.3457% | 1,563 |
| Efficiency ratio | 46.5231% | 4,139 |
| Assets per employee ($millions) | 11.0461% | 506 |
| Cash dividends to net income (ytd only)* | 62.3221% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,457 |
| Loan loss allowance to noncurrent loans | 160.2714% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 824 |
| Noncurrent loans to loans | 0.7471% | 1,010 |
| Net loans and leases to total assets | 84.4000% | 246 |
| Net loans and leases to deposits | 115.9271% | 123 |
| Net loans and leases to core deposits | 144.1605% | 183 |
| Total domestic deposits to total assets | 72.8100% | 4,259 |
| Equity capital to assets | 9.5564% | 2,123 |
| Core capital (leverage) ratio | 10.0749% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,478,928,667 | 458 |
| Average earning assets | $2,349,800,667 | 442 |
| Average equity | $239,121,333 | 455 |
| Average total loans | $2,137,793,667 | 370 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7941% | 422 |
| Cost of funding earning assets | 1.5977% | 699 |
| Net interest margin | 4.1964% | 953 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.9179% | 3,816 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.6749% | 861 |
| Return on assets (ROA) | 1.6834% | 848 |
| Pretax return on assets | 2.2767% | 510 |
| Return on Equity (ROE) | 17.3700% | 1,120 |
| Retained earnings to average equity (ytd only) | 6.2861% | 2,683 |
| Net charge-offs to loans | -0.0094% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.6483% | 4,240 |
| Assets per employee ($millions) | 10.8574% | 534 |
| Cash dividends to net income (ytd only)* | 63.8067% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,405 |
| Loan loss allowance to noncurrent loans | 180.6094% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 855 |
| Noncurrent loans to loans | 0.6799% | 1,114 |
| Net loans and leases to total assets | 85.5100% | 154 |
| Net loans and leases to deposits | 115.4982% | 120 |
| Net loans and leases to core deposits | 143.3392% | 161 |
| Total domestic deposits to total assets | 74.0300% | 4,285 |
| Equity capital to assets | 9.7002% | 1,996 |
| Core capital (leverage) ratio | 9.9628% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,448,086,000 | 474 |
| Average earning assets | $2,324,301,000 | 457 |
| Average equity | $237,287,000 | 470 |
| Average total loans | $2,121,509,500 | 384 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 335 |
| Cost of funding earning assets | 0.4964% | 1,412 |
| Net interest margin | 4.4470% | 325 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.0230% | 3,523 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.7281% | 510 |
| Return on assets (ROA) | 1.7127% | 501 |
| Pretax return on assets | 2.3152% | 263 |
| Return on Equity (ROE) | 17.0600% | 853 |
| Retained earnings to average equity (ytd only) | 15.0060% | 291 |
| Net charge-offs to loans | 0.0686% | 961 |
| Credit loss provision to net charge-offs | 328.7747% | 867 |
| Earnings coverage of net charge-offs (x) | 43.6791% | 1,446 |
| Efficiency ratio | 44.4834% | 4,410 |
| Assets per employee ($millions) | 10.6646% | 549 |
| Cash dividends to net income (ytd only)* | 12.0324% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 2,416 |
| Loan loss allowance to noncurrent loans | 277.9175% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 1,374 |
| Noncurrent loans to loans | 0.4298% | 1,635 |
| Net loans and leases to total assets | 85.7200% | 173 |
| Net loans and leases to deposits | 116.4680% | 93 |
| Net loans and leases to core deposits | 140.0616% | 145 |
| Total domestic deposits to total assets | 73.6000% | 4,370 |
| Equity capital to assets | 9.6852% | 1,896 |
| Core capital (leverage) ratio | 10.3415% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,188,487,600 | 510 |
| Average earning assets | $2,071,511,000 | 495 |
| Average equity | $219,725,400 | 485 |
| Average total loans | $1,842,839,800 | 403 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 320 |
| Cost of funding earning assets | 0.3183% | 1,980 |
| Net interest margin | 4.4283% | 265 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.0357% | 3,386 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.7805% | 444 |
| Return on assets (ROA) | 1.7593% | 450 |
| Pretax return on assets | 2.3618% | 253 |
| Return on Equity (ROE) | 17.3500% | 736 |
| Retained earnings to average equity (ytd only) | 15.2792% | 339 |
| Net charge-offs to loans | 0.0726% | 786 |
| Credit loss provision to net charge-offs | 261.2203% | 879 |
| Earnings coverage of net charge-offs (x) | 42.0300% | 1,367 |
| Efficiency ratio | 44.4229% | 4,450 |
| Assets per employee ($millions) | 10.4831% | 565 |
| Cash dividends to net income (ytd only)* | 11.9248% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,381 |
| Loan loss allowance to noncurrent loans | 294.3259% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 1,556 |
| Noncurrent loans to loans | 0.4169% | 1,769 |
| Net loans and leases to total assets | 82.5300% | 349 |
| Net loans and leases to deposits | 106.8152% | 177 |
| Net loans and leases to core deposits | 125.9233% | 181 |
| Total domestic deposits to total assets | 77.2600% | 4,308 |
| Equity capital to assets | 9.7662% | 1,745 |
| Core capital (leverage) ratio | 10.7753% | 1,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,127,726,500 | 520 |
| Average earning assets | $2,012,108,000 | 504 |
| Average equity | $215,782,000 | 498 |
| Average total loans | $1,776,201,750 | 411 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 299 |
| Cost of funding earning assets | 0.2473% | 2,308 |
| Net interest margin | 4.3648% | 241 |
| Noninterest income to average assets | 0.4871% | 2,270 |
| Noninterest expense to average assets | 2.1297% | 3,066 |
| Loan and lease loss provision to assets | 0.0979% | 1,021 |
| Net operating income to assets | 1.7938% | 342 |
| Return on assets (ROA) | 1.7721% | 356 |
| Pretax return on assets | 2.3702% | 197 |
| Return on Equity (ROE) | 17.2335% | 541 |
| Retained earnings to average equity (ytd only) | 15.1679% | 248 |
| Net charge-offs to loans | 0.0527% | 865 |
| Credit loss provision to net charge-offs | 222.7373% | 922 |
| Earnings coverage of net charge-offs (x) | 56.7792% | 1,098 |
| Efficiency ratio | 46.0436% | 4,448 |
| Assets per employee ($millions) | 9.8815% | 685 |
| Cash dividends to net income (ytd only)* | 11.9860% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 2,348 |
| Loan loss allowance to noncurrent loans | 295.3993% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 1,524 |
| Noncurrent loans to loans | 0.4289% | 1,838 |
| Net loans and leases to total assets | 84.6304% | 159 |
| Net loans and leases to deposits | 104.8415% | 150 |
| Net loans and leases to core deposits | 117.7196% | 221 |
| Total domestic deposits to total assets | 80.7222% | 4,168 |
| Equity capital to assets | 10.3757% | 1,493 |
| Core capital (leverage) ratio | 10.6593% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,061,218,667 | 532 |
| Average earning assets | $1,954,257,333 | 520 |
| Average equity | $211,948,000 | 508 |
| Average total loans | $1,720,121,000 | 412 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 352 |
| Cost of funding earning assets | 0.2416% | 2,250 |
| Net interest margin | 4.2087% | 281 |
| Noninterest income to average assets | 0.4584% | 2,368 |
| Noninterest expense to average assets | 2.1282% | 3,054 |
| Loan and lease loss provision to assets | -0.0349% | 4,491 |
| Net operating income to assets | 1.7911% | 338 |
| Return on assets (ROA) | 1.7654% | 356 |
| Pretax return on assets | 2.3228% | 224 |
| Return on Equity (ROE) | 17.2491% | 398 |
| Retained earnings to average equity (ytd only) | 15.2657% | 272 |
| Net charge-offs to loans | -0.0105% | 3,608 |
| Credit loss provision to net charge-offs | 404.5455% | 582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8397% | 4,412 |
| Assets per employee ($millions) | 9.8397% | 714 |
| Cash dividends to net income (ytd only)* | 11.4987% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 2,357 |
| Loan loss allowance to noncurrent loans | 225.0787% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 1,268 |
| Noncurrent loans to loans | 0.5780% | 1,602 |
| Net loans and leases to total assets | 81.7775% | 173 |
| Net loans and leases to deposits | 94.8424% | 322 |
| Net loans and leases to core deposits | 103.4450% | 415 |
| Total domestic deposits to total assets | 86.2246% | 3,185 |
| Equity capital to assets | 10.3600% | 1,653 |
| Core capital (leverage) ratio | 10.3480% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,039,445,000 | 543 |
| Average earning assets | $1,933,621,000 | 528 |
| Average equity | $208,730,000 | 522 |
| Average total loans | $1,678,117,000 | 420 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 480 |
| Cost of funding earning assets | 0.3978% | 1,559 |
| Net interest margin | 4.2258% | 470 |
| Noninterest income to average assets | 0.4602% | 2,766 |
| Noninterest expense to average assets | 2.1268% | 3,316 |
| Loan and lease loss provision to assets | 0.0091% | 2,897 |
| Net operating income to assets | 1.7378% | 585 |
| Return on assets (ROA) | 1.7385% | 605 |
| Pretax return on assets | 2.3326% | 330 |
| Return on Equity (ROE) | 18.0680% | 460 |
| Retained earnings to average equity (ytd only) | 12.1529% | 523 |
| Net charge-offs to loans | 0.0594% | 1,192 |
| Credit loss provision to net charge-offs | 18.3943% | 2,278 |
| Earnings coverage of net charge-offs (x) | 47.1951% | 1,331 |
| Efficiency ratio | 47.6042% | 4,429 |
| Assets per employee ($millions) | 9.5848% | 760 |
| Cash dividends to net income (ytd only)* | 32.7380% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 2,135 |
| Loan loss allowance to noncurrent loans | 230.2498% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 1,386 |
| Noncurrent loans to loans | 0.5862% | 1,672 |
| Net loans and leases to total assets | 80.5982% | 243 |
| Net loans and leases to deposits | 92.5997% | 437 |
| Net loans and leases to core deposits | 101.4862% | 473 |
| Total domestic deposits to total assets | 87.0394% | 2,507 |
| Equity capital to assets | 10.1072% | 2,551 |
| Core capital (leverage) ratio | 10.0031% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,983,857,400 | 534 |
| Average earning assets | $1,881,387,000 | 525 |
| Average equity | $190,884,000 | 564 |
| Average total loans | $1,655,490,000 | 424 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 605 |
| Cost of funding earning assets | 0.4350% | 1,454 |
| Net interest margin | 4.1264% | 622 |
| Noninterest income to average assets | 0.4938% | 2,650 |
| Noninterest expense to average assets | 2.1087% | 3,335 |
| Loan and lease loss provision to assets | 0.0338% | 2,326 |
| Net operating income to assets | 1.6940% | 840 |
| Return on assets (ROA) | 1.6953% | 879 |
| Pretax return on assets | 2.2661% | 487 |
| Return on Equity (ROE) | 17.8495% | 644 |
| Retained earnings to average equity (ytd only) | 11.2720% | 998 |
| Net charge-offs to loans | 0.0860% | 827 |
| Credit loss provision to net charge-offs | 46.8165% | 1,877 |
| Earnings coverage of net charge-offs (x) | 31.8642% | 1,492 |
| Efficiency ratio | 47.8492% | 4,376 |
| Assets per employee ($millions) | 9.3013% | 813 |
| Cash dividends to net income (ytd only)* | 36.8497% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 2,217 |
| Loan loss allowance to noncurrent loans | 203.6599% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5586% | 1,377 |
| Noncurrent loans to loans | 0.6636% | 1,647 |
| Net loans and leases to total assets | 83.0340% | 138 |
| Net loans and leases to deposits | 96.3775% | 336 |
| Net loans and leases to core deposits | 107.5558% | 379 |
| Total domestic deposits to total assets | 86.1550% | 2,689 |
| Equity capital to assets | 9.9123% | 2,991 |
| Core capital (leverage) ratio | 10.2275% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,974,226,000 | 544 |
| Average earning assets | $1,872,253,000 | 530 |
| Average equity | $187,503,500 | 580 |
| Average total loans | $1,656,285,750 | 431 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 712 |
| Cost of funding earning assets | 0.4951% | 1,229 |
| Net interest margin | 4.0169% | 795 |
| Noninterest income to average assets | 0.5485% | 2,414 |
| Noninterest expense to average assets | 2.1275% | 3,309 |
| Loan and lease loss provision to assets | 0.0507% | 2,022 |
| Net operating income to assets | 1.6341% | 976 |
| Return on assets (ROA) | 1.6364% | 1,023 |
| Pretax return on assets | 2.1754% | 603 |
| Return on Equity (ROE) | 17.4852% | 722 |
| Retained earnings to average equity (ytd only) | 12.2832% | 856 |
| Net charge-offs to loans | 0.0973% | 753 |
| Credit loss provision to net charge-offs | 62.1891% | 1,548 |
| Earnings coverage of net charge-offs (x) | 27.2624% | 1,366 |
| Efficiency ratio | 48.9008% | 4,331 |
| Assets per employee ($millions) | 9.4521% | 728 |
| Cash dividends to net income (ytd only)* | 29.7508% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 2,074 |
| Loan loss allowance to noncurrent loans | 222.2536% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 1,591 |
| Noncurrent loans to loans | 0.6192% | 1,862 |
| Net loans and leases to total assets | 83.1164% | 166 |
| Net loans and leases to deposits | 102.4190% | 212 |
| Net loans and leases to core deposits | 118.6722% | 236 |
| Total domestic deposits to total assets | 81.1534% | 4,072 |
| Equity capital to assets | 9.7246% | 3,115 |
| Core capital (leverage) ratio | 9.9467% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,971,910,333 | 534 |
| Average earning assets | $1,866,462,667 | 525 |
| Average equity | $184,545,000 | 586 |
| Average total loans | $1,652,519,333 | 432 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 768 |
| Cost of funding earning assets | 0.5293% | 1,209 |
| Net interest margin | 3.9763% | 876 |
| Noninterest income to average assets | 0.5953% | 2,231 |
| Noninterest expense to average assets | 2.0552% | 3,548 |
| Loan and lease loss provision to assets | 0.1013% | 1,332 |
| Net operating income to assets | 1.6204% | 1,086 |
| Return on assets (ROA) | 1.6248% | 1,125 |
| Pretax return on assets | 2.2059% | 678 |
| Return on Equity (ROE) | 17.7064% | 758 |
| Retained earnings to average equity (ytd only) | 11.4158% | 1,293 |
| Net charge-offs to loans | 0.1551% | 505 |
| Credit loss provision to net charge-offs | 78.1250% | 1,216 |
| Earnings coverage of net charge-offs (x) | 17.7547% | 1,292 |
| Efficiency ratio | 47.1734% | 4,393 |
| Assets per employee ($millions) | 9.5584% | 689 |
| Cash dividends to net income (ytd only)* | 35.5273% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 2,085 |
| Loan loss allowance to noncurrent loans | 160.2806% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 1,294 |
| Noncurrent loans to loans | 0.8576% | 1,566 |
| Net loans and leases to total assets | 82.4780% | 206 |
| Net loans and leases to deposits | 101.1282% | 256 |
| Net loans and leases to core deposits | 119.1483% | 252 |
| Total domestic deposits to total assets | 81.5578% | 3,978 |
| Equity capital to assets | 9.2260% | 3,474 |
| Core capital (leverage) ratio | 9.8541% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,974,847,000 | 525 |
| Average earning assets | $1,868,171,500 | 517 |
| Average equity | $181,222,500 | 591 |
| Average total loans | $1,650,328,500 | 433 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 1,092 |
| Cost of funding earning assets | 0.8124% | 1,160 |
| Net interest margin | 3.7901% | 1,527 |
| Noninterest income to average assets | 0.6357% | 2,081 |
| Noninterest expense to average assets | 2.1924% | 3,682 |
| Loan and lease loss provision to assets | 0.3798% | 850 |
| Net operating income to assets | 1.2384% | 1,421 |
| Return on assets (ROA) | 1.2527% | 1,485 |
| Pretax return on assets | 1.6589% | 933 |
| Return on Equity (ROE) | 13.5654% | 907 |
| Retained earnings to average equity (ytd only) | 8.7440% | 838 |
| Net charge-offs to loans | 0.0188% | 2,699 |
| Credit loss provision to net charge-offs | 2,413.7931% | 384 |
| Earnings coverage of net charge-offs (x) | 128.4276% | 662 |
| Efficiency ratio | 52.0398% | 4,379 |
| Assets per employee ($millions) | 9.4757% | 630 |
| Cash dividends to net income (ytd only)* | 35.5420% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,900 |
| Loan loss allowance to noncurrent loans | 184.7070% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 1,640 |
| Noncurrent loans to loans | 0.7674% | 1,792 |
| Net loans and leases to total assets | 82.3222% | 272 |
| Net loans and leases to deposits | 103.1213% | 279 |
| Net loans and leases to core deposits | 121.8282% | 289 |
| Total domestic deposits to total assets | 79.8305% | 4,072 |
| Equity capital to assets | 9.1259% | 3,951 |
| Core capital (leverage) ratio | 9.7995% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,843,265,400 | 516 |
| Average earning assets | $1,739,733,400 | 502 |
| Average equity | $170,219,200 | 599 |
| Average total loans | $1,542,020,400 | 437 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 1,252 |
| Cost of funding earning assets | 0.8771% | 1,149 |
| Net interest margin | 3.7438% | 1,787 |
| Noninterest income to average assets | 0.5947% | 2,200 |
| Noninterest expense to average assets | 2.1529% | 3,810 |
| Loan and lease loss provision to assets | 0.4405% | 743 |
| Net operating income to assets | 1.1685% | 1,747 |
| Return on assets (ROA) | 1.1881% | 1,800 |
| Pretax return on assets | 1.5577% | 1,308 |
| Return on Equity (ROE) | 12.8250% | 1,163 |
| Retained earnings to average equity (ytd only) | 7.9115% | 1,333 |
| Net charge-offs to loans | 0.0139% | 2,623 |
| Credit loss provision to net charge-offs | 3,797.4684% | 281 |
| Earnings coverage of net charge-offs (x) | 170.1329% | 548 |
| Efficiency ratio | 52.1741% | 4,330 |
| Assets per employee ($millions) | 9.8184% | 539 |
| Cash dividends to net income (ytd only)* | 38.3118% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 1,841 |
| Loan loss allowance to noncurrent loans | 247.4077% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 2,188 |
| Noncurrent loans to loans | 0.5564% | 2,401 |
| Net loans and leases to total assets | 82.7934% | 379 |
| Net loans and leases to deposits | 106.6255% | 308 |
| Net loans and leases to core deposits | 124.7796% | 325 |
| Total domestic deposits to total assets | 77.6488% | 4,248 |
| Equity capital to assets | 8.9809% | 4,134 |
| Core capital (leverage) ratio | 9.6241% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,816,084,250 | 513 |
| Average earning assets | $1,713,205,000 | 499 |
| Average equity | $168,239,750 | 601 |
| Average total loans | $1,520,019,000 | 440 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 1,432 |
| Cost of funding earning assets | 0.9441% | 1,173 |
| Net interest margin | 3.7452% | 2,010 |
| Noninterest income to average assets | 0.5560% | 2,327 |
| Noninterest expense to average assets | 2.1507% | 3,929 |
| Loan and lease loss provision to assets | 0.4494% | 854 |
| Net operating income to assets | 1.1380% | 1,844 |
| Return on assets (ROA) | 1.1665% | 1,865 |
| Pretax return on assets | 1.5224% | 1,404 |
| Return on Equity (ROE) | 12.4552% | 1,229 |
| Retained earnings to average equity (ytd only) | 8.0163% | 1,302 |
| Net charge-offs to loans | 0.0215% | 2,288 |
| Credit loss provision to net charge-offs | 2,500.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 107.6688% | 668 |
| Efficiency ratio | 52.6314% | 4,311 |
| Assets per employee ($millions) | 9.9163% | 507 |
| Cash dividends to net income (ytd only)* | 35.6386% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,160 |
| Loan loss allowance to noncurrent loans | 213.5965% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 2,205 |
| Noncurrent loans to loans | 0.5940% | 2,376 |
| Net loans and leases to total assets | 83.1322% | 321 |
| Net loans and leases to deposits | 106.0677% | 315 |
| Net loans and leases to core deposits | 126.5228% | 306 |
| Total domestic deposits to total assets | 78.3766% | 4,135 |
| Equity capital to assets | 8.9608% | 4,123 |
| Core capital (leverage) ratio | 9.6445% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,779,975,000 | 517 |
| Average earning assets | $1,677,869,667 | 503 |
| Average equity | $166,710,000 | 600 |
| Average total loans | $1,488,184,000 | 440 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 1,221 |
| Cost of funding earning assets | 1.0483% | 1,225 |
| Net interest margin | 3.8385% | 1,853 |
| Noninterest income to average assets | 0.5702% | 2,177 |
| Noninterest expense to average assets | 2.2424% | 3,908 |
| Loan and lease loss provision to assets | 0.3482% | 882 |
| Net operating income to assets | 1.2177% | 1,459 |
| Return on assets (ROA) | 1.2746% | 1,412 |
| Pretax return on assets | 1.6676% | 914 |
| Return on Equity (ROE) | 13.2925% | 828 |
| Retained earnings to average equity (ytd only) | 11.2345% | 537 |
| Net charge-offs to loans | 0.1447% | 875 |
| Credit loss provision to net charge-offs | 289.0173% | 1,207 |
| Earnings coverage of net charge-offs (x) | 16.1329% | 1,536 |
| Efficiency ratio | 53.5659% | 4,427 |
| Assets per employee ($millions) | 8.4563% | 634 |
| Cash dividends to net income (ytd only)* | 15.4827% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,644 |
| Loan loss allowance to noncurrent loans | 179.9689% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 2,070 |
| Noncurrent loans to loans | 0.6696% | 2,318 |
| Net loans and leases to total assets | 82.1753% | 422 |
| Net loans and leases to deposits | 103.2141% | 401 |
| Net loans and leases to core deposits | 125.4970% | 340 |
| Total domestic deposits to total assets | 79.6164% | 3,923 |
| Equity capital to assets | 9.6488% | 4,083 |
| Core capital (leverage) ratio | 10.1591% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,722,958,500 | 519 |
| Average earning assets | $1,623,146,500 | 504 |
| Average equity | $165,206,000 | 599 |
| Average total loans | $1,434,893,500 | 441 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 1,385 |
| Cost of funding earning assets | 1.1568% | 1,137 |
| Net interest margin | 3.8784% | 2,251 |
| Noninterest income to average assets | 0.4766% | 2,868 |
| Noninterest expense to average assets | 2.2052% | 4,149 |
| Loan and lease loss provision to assets | 0.1289% | 1,662 |
| Net operating income to assets | 1.3805% | 1,409 |
| Return on assets (ROA) | 1.3835% | 1,478 |
| Pretax return on assets | 1.7869% | 970 |
| Return on Equity (ROE) | 14.7757% | 737 |
| Retained earnings to average equity (ytd only) | 12.6074% | 192 |
| Net charge-offs to loans | 0.0881% | 1,859 |
| Credit loss provision to net charge-offs | 176.0268% | 1,477 |
| Earnings coverage of net charge-offs (x) | 26.1123% | 1,707 |
| Efficiency ratio | 53.5606% | 4,464 |
| Assets per employee ($millions) | 8.4353% | 609 |
| Cash dividends to net income (ytd only)* | 14.6748% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 2,711 |
| Loan loss allowance to noncurrent loans | 249.2020% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 2,467 |
| Noncurrent loans to loans | 0.4608% | 2,793 |
| Net loans and leases to total assets | 82.4278% | 501 |
| Net loans and leases to deposits | 112.7221% | 145 |
| Net loans and leases to core deposits | 128.6377% | 292 |
| Total domestic deposits to total assets | 73.1248% | 4,820 |
| Equity capital to assets | 9.5274% | 4,330 |
| Core capital (leverage) ratio | 10.1480% | 3,357 |
| Tier 1 risk-based capital ratio | 11.8143% | 4,467 |
| Total risk-based capital ratio | 12.5756% | 4,605 |
| Memoranda: | ||
| Average total assets | $1,629,313,800 | 521 |
| Average earning assets | $1,529,366,600 | 504 |
| Average equity | $152,561,000 | 612 |
| Average total loans | $1,353,619,600 | 441 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0701% | 1,356 |
| Cost of funding earning assets | 1.1687% | 1,119 |
| Net interest margin | 3.9013% | 2,249 |
| Noninterest income to average assets | 0.4840% | 2,831 |
| Noninterest expense to average assets | 2.2284% | 4,129 |
| Loan and lease loss provision to assets | 0.1326% | 1,450 |
| Net operating income to assets | 1.3868% | 1,507 |
| Return on assets (ROA) | 1.3888% | 1,571 |
| Pretax return on assets | 1.7861% | 1,123 |
| Return on Equity (ROE) | 14.9014% | 794 |
| Retained earnings to average equity (ytd only) | 12.7224% | 311 |
| Net charge-offs to loans | 0.1085% | 1,384 |
| Credit loss provision to net charge-offs | 147.3297% | 1,660 |
| Earnings coverage of net charge-offs (x) | 21.2864% | 1,918 |
| Efficiency ratio | 53.7669% | 4,417 |
| Assets per employee ($millions) | 8.5503% | 565 |
| Cash dividends to net income (ytd only)* | 14.6225% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,670 |
| Loan loss allowance to noncurrent loans | 279.6575% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 2,726 |
| Noncurrent loans to loans | 0.4174% | 3,048 |
| Net loans and leases to total assets | 81.6755% | 607 |
| Net loans and leases to deposits | 106.2178% | 310 |
| Net loans and leases to core deposits | 122.3852% | 463 |
| Total domestic deposits to total assets | 76.8944% | 4,529 |
| Equity capital to assets | 9.5048% | 4,446 |
| Core capital (leverage) ratio | 10.1130% | 3,519 |
| Tier 1 risk-based capital ratio | 12.5266% | 4,128 |
| Total risk-based capital ratio | 13.7774% | 4,001 |
| Memoranda: | ||
| Average total assets | $1,608,550,250 | 528 |
| Average earning assets | $1,509,268,250 | 512 |
| Average equity | $149,915,000 | 622 |
| Average total loans | $1,335,059,000 | 451 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0809% | 1,269 |
| Cost of funding earning assets | 1.1595% | 1,107 |
| Net interest margin | 3.9213% | 2,185 |
| Noninterest income to average assets | 0.4419% | 3,006 |
| Noninterest expense to average assets | 2.2418% | 4,144 |
| Loan and lease loss provision to assets | 0.1068% | 1,756 |
| Net operating income to assets | 1.3845% | 1,476 |
| Return on assets (ROA) | 1.3870% | 1,526 |
| Pretax return on assets | 1.7790% | 1,088 |
| Return on Equity (ROE) | 14.9851% | 763 |
| Retained earnings to average equity (ytd only) | 12.8132% | 319 |
| Net charge-offs to loans | 0.0564% | 1,837 |
| Credit loss provision to net charge-offs | 227.8820% | 1,096 |
| Earnings coverage of net charge-offs (x) | 40.1716% | 1,242 |
| Efficiency ratio | 54.3546% | 4,430 |
| Assets per employee ($millions) | 8.7596% | 518 |
| Cash dividends to net income (ytd only)* | 14.4941% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 2,608 |
| Loan loss allowance to noncurrent loans | 361.6082% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 3,218 |
| Noncurrent loans to loans | 0.3277% | 3,357 |
| Net loans and leases to total assets | 82.1429% | 588 |
| Net loans and leases to deposits | 105.1761% | 372 |
| Net loans and leases to core deposits | 126.0043% | 390 |
| Total domestic deposits to total assets | 78.1004% | 4,378 |
| Equity capital to assets | 9.4080% | 4,493 |
| Core capital (leverage) ratio | 9.9464% | 3,641 |
| Tier 1 risk-based capital ratio | 12.3097% | 4,236 |
| Total risk-based capital ratio | 13.5607% | 4,102 |
| Memoranda: | ||
| Average total assets | $1,591,814,000 | 529 |
| Average earning assets | $1,494,902,670 | 516 |
| Average equity | $147,333,000 | 628 |
| Average total loans | $1,323,145,000 | 454 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 1,149 |
| Cost of funding earning assets | 1.1343% | 1,079 |
| Net interest margin | 3.9411% | 2,061 |
| Noninterest income to average assets | 0.4103% | 3,109 |
| Noninterest expense to average assets | 2.2259% | 4,198 |
| Loan and lease loss provision to assets | 0.1268% | 1,384 |
| Net operating income to assets | 1.3803% | 1,433 |
| Return on assets (ROA) | 1.3827% | 1,461 |
| Pretax return on assets | 1.7618% | 1,072 |
| Return on Equity (ROE) | 15.0666% | 733 |
| Retained earnings to average equity (ytd only) | 12.9944% | 465 |
| Net charge-offs to loans | 0.0927% | 1,203 |
| Credit loss provision to net charge-offs | 164.4737% | 1,178 |
| Earnings coverage of net charge-offs (x) | 24.4605% | 1,451 |
| Efficiency ratio | 54.1384% | 4,519 |
| Assets per employee ($millions) | 8.3367% | 596 |
| Cash dividends to net income (ytd only)* | 13.7539% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,620 |
| Loan loss allowance to noncurrent loans | 214.4674% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 2,693 |
| Noncurrent loans to loans | 0.5560% | 2,657 |
| Net loans and leases to total assets | 82.0516% | 582 |
| Net loans and leases to deposits | 105.8615% | 324 |
| Net loans and leases to core deposits | 128.4537% | 327 |
| Total domestic deposits to total assets | 77.5084% | 4,590 |
| Equity capital to assets | 9.2961% | 4,440 |
| Core capital (leverage) ratio | 9.7076% | 3,909 |
| Tier 1 risk-based capital ratio | 12.1412% | 4,387 |
| Total risk-based capital ratio | 13.3923% | 4,266 |
| Memoranda: | ||
| Average total assets | $1,577,461,000 | 532 |
| Average earning assets | $1,481,404,000 | 520 |
| Average equity | $144,770,500 | 637 |
| Average total loans | $1,311,164,000 | 458 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 1,352 |
| Cost of funding earning assets | 0.9423% | 958 |
| Net interest margin | 3.9333% | 2,214 |
| Noninterest income to average assets | 0.5349% | 2,637 |
| Noninterest expense to average assets | 2.3132% | 4,087 |
| Loan and lease loss provision to assets | 0.1364% | 1,580 |
| Net operating income to assets | 1.4111% | 1,390 |
| Return on assets (ROA) | 1.4096% | 1,386 |
| Pretax return on assets | 1.7687% | 1,001 |
| Return on Equity (ROE) | 15.9830% | 636 |
| Retained earnings to average equity (ytd only) | 13.8264% | 174 |
| Net charge-offs to loans | 0.0095% | 3,355 |
| Credit loss provision to net charge-offs | 1,737.2881% | 247 |
| Earnings coverage of net charge-offs (x) | 242.8390% | 386 |
| Efficiency ratio | 54.8128% | 4,542 |
| Assets per employee ($millions) | 7.9340% | 672 |
| Cash dividends to net income (ytd only)* | 13.4932% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,646 |
| Loan loss allowance to noncurrent loans | 222.1776% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 2,777 |
| Noncurrent loans to loans | 0.5334% | 2,672 |
| Net loans and leases to total assets | 82.2102% | 622 |
| Net loans and leases to deposits | 106.8328% | 339 |
| Net loans and leases to core deposits | 125.6444% | 402 |
| Total domestic deposits to total assets | 76.9522% | 4,638 |
| Equity capital to assets | 9.0578% | 4,531 |
| Core capital (leverage) ratio | 9.5205% | 4,093 |
| Tier 1 risk-based capital ratio | 11.8033% | 4,567 |
| Total risk-based capital ratio | 13.0543% | 4,438 |
| Memoranda: | ||
| Average total assets | $1,502,654,400 | 538 |
| Average earning assets | $1,407,883,400 | 528 |
| Average equity | $132,521,800 | 656 |
| Average total loans | $1,242,472,200 | 468 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 1,396 |
| Cost of funding earning assets | 0.9043% | 901 |
| Net interest margin | 3.9077% | 2,270 |
| Noninterest income to average assets | 0.5643% | 2,498 |
| Noninterest expense to average assets | 2.3509% | 3,974 |
| Loan and lease loss provision to assets | 0.1391% | 1,439 |
| Net operating income to assets | 1.3915% | 1,518 |
| Return on assets (ROA) | 1.3892% | 1,528 |
| Pretax return on assets | 1.7297% | 1,208 |
| Return on Equity (ROE) | 15.8659% | 718 |
| Retained earnings to average equity (ytd only) | 13.7134% | 278 |
| Net charge-offs to loans | 0.0128% | 2,966 |
| Credit loss provision to net charge-offs | 1,313.5593% | 310 |
| Earnings coverage of net charge-offs (x) | 176.7366% | 481 |
| Efficiency ratio | 55.6739% | 4,425 |
| Assets per employee ($millions) | 7.9403% | 665 |
| Cash dividends to net income (ytd only)* | 13.5668% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 2,817 |
| Loan loss allowance to noncurrent loans | 222.3739% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 2,926 |
| Noncurrent loans to loans | 0.5242% | 2,811 |
| Net loans and leases to total assets | 82.0695% | 703 |
| Net loans and leases to deposits | 104.0402% | 544 |
| Net loans and leases to core deposits | 123.3701% | 481 |
| Total domestic deposits to total assets | 78.8824% | 4,338 |
| Equity capital to assets | 8.8487% | 4,681 |
| Core capital (leverage) ratio | 9.3527% | 4,331 |
| Tier 1 risk-based capital ratio | 11.5186% | 4,783 |
| Total risk-based capital ratio | 12.7692% | 4,665 |
| Memoranda: | ||
| Average total assets | $1,485,582,750 | 543 |
| Average earning assets | $1,390,782,250 | 529 |
| Average equity | $130,079,000 | 662 |
| Average total loans | $1,226,349,750 | 473 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7708% | 1,326 |
| Cost of funding earning assets | 0.8567% | 892 |
| Net interest margin | 3.9141% | 2,160 |
| Noninterest income to average assets | 0.5398% | 2,634 |
| Noninterest expense to average assets | 2.3122% | 4,119 |
| Loan and lease loss provision to assets | 0.1434% | 1,347 |
| Net operating income to assets | 1.3960% | 1,457 |
| Return on assets (ROA) | 1.3934% | 1,468 |
| Pretax return on assets | 1.7424% | 1,113 |
| Return on Equity (ROE) | 15.9726% | 678 |
| Retained earnings to average equity (ytd only) | 13.8579% | 295 |
| Net charge-offs to loans | -0.0046% | 4,084 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0362% | 4,578 |
| Assets per employee ($millions) | 7.6606% | 718 |
| Cash dividends to net income (ytd only)* | 13.2399% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 2,873 |
| Loan loss allowance to noncurrent loans | 266.3148% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 3,265 |
| Noncurrent loans to loans | 0.4400% | 3,115 |
| Net loans and leases to total assets | 81.7895% | 730 |
| Net loans and leases to deposits | 107.5012% | 371 |
| Net loans and leases to core deposits | 125.5098% | 424 |
| Total domestic deposits to total assets | 76.0824% | 4,846 |
| Equity capital to assets | 8.7732% | 4,739 |
| Core capital (leverage) ratio | 9.2592% | 4,406 |
| Tier 1 risk-based capital ratio | 11.4549% | 4,801 |
| Total risk-based capital ratio | 12.7057% | 4,708 |
| Memoranda: | ||
| Average total assets | $1,464,655,670 | 546 |
| Average earning assets | $1,370,126,330 | 535 |
| Average equity | $127,768,670 | 672 |
| Average total loans | $1,206,559,000 | 473 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 1,170 |
| Cost of funding earning assets | 0.8019% | 944 |
| Net interest margin | 3.9553% | 1,859 |
| Noninterest income to average assets | 0.5230% | 2,668 |
| Noninterest expense to average assets | 2.3519% | 4,062 |
| Loan and lease loss provision to assets | 0.1387% | 1,359 |
| Net operating income to assets | 1.3959% | 1,357 |
| Return on assets (ROA) | 1.3921% | 1,374 |
| Pretax return on assets | 1.7304% | 1,042 |
| Return on Equity (ROE) | 16.0060% | 618 |
| Retained earnings to average equity (ytd only) | 13.9973% | 408 |
| Net charge-offs to loans | -0.0472% | 4,943 |
| Credit loss provision to net charge-offs | -357.1429% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6569% | 4,627 |
| Assets per employee ($millions) | 7.2092% | 884 |
| Cash dividends to net income (ytd only)* | 12.5498% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,899 |
| Loan loss allowance to noncurrent loans | 331.9149% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 3,639 |
| Noncurrent loans to loans | 0.3571% | 3,489 |
| Net loans and leases to total assets | 82.4862% | 601 |
| Net loans and leases to deposits | 105.7430% | 391 |
| Net loans and leases to core deposits | 119.3830% | 604 |
| Total domestic deposits to total assets | 78.0063% | 4,729 |
| Equity capital to assets | 8.9001% | 4,660 |
| Core capital (leverage) ratio | 9.1152% | 4,549 |
| Tier 1 risk-based capital ratio | 11.6037% | 4,804 |
| Total risk-based capital ratio | 12.8140% | 4,723 |
| Memoranda: | ||
| Average total assets | $1,442,414,000 | 556 |
| Average earning assets | $1,350,292,500 | 546 |
| Average equity | $125,453,000 | 681 |
| Average total loans | $1,185,363,000 | 484 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 1,222 |
| Cost of funding earning assets | 0.7620% | 781 |
| Net interest margin | 3.9296% | 1,994 |
| Noninterest income to average assets | 0.5161% | 2,904 |
| Noninterest expense to average assets | 2.3902% | 4,105 |
| Loan and lease loss provision to assets | 0.1278% | 1,790 |
| Net operating income to assets | 0.9352% | 2,519 |
| Return on assets (ROA) | 0.9383% | 2,545 |
| Pretax return on assets | 1.6781% | 1,065 |
| Return on Equity (ROE) | 10.2514% | 1,786 |
| Retained earnings to average equity (ytd only) | 8.1717% | 702 |
| Net charge-offs to loans | 0.0635% | 2,568 |
| Credit loss provision to net charge-offs | 245.1709% | 1,127 |
| Earnings coverage of net charge-offs (x) | 34.5572% | 1,394 |
| Efficiency ratio | 57.0278% | 4,654 |
| Assets per employee ($millions) | 7.2874% | 850 |
| Cash dividends to net income (ytd only)* | 20.2872% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 3,025 |
| Loan loss allowance to noncurrent loans | 443.8769% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 3,937 |
| Noncurrent loans to loans | 0.2603% | 3,855 |
| Net loans and leases to total assets | 79.9617% | 959 |
| Net loans and leases to deposits | 111.0243% | 243 |
| Net loans and leases to core deposits | 121.4689% | 540 |
| Total domestic deposits to total assets | 72.0218% | 5,320 |
| Equity capital to assets | 8.4969% | 5,128 |
| Core capital (leverage) ratio | 9.0330% | 4,612 |
| Tier 1 risk-based capital ratio | 11.3345% | 4,960 |
| Total risk-based capital ratio | 12.5017% | 4,890 |
| Memoranda: | ||
| Average total assets | $1,291,260,400 | 594 |
| Average earning assets | $1,207,676,000 | 583 |
| Average equity | $118,188,400 | 697 |
| Average total loans | $1,059,412,600 | 510 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 1,138 |
| Cost of funding earning assets | 0.7652% | 704 |
| Net interest margin | 3.9340% | 1,921 |
| Noninterest income to average assets | 0.5262% | 2,860 |
| Noninterest expense to average assets | 2.4486% | 3,889 |
| Loan and lease loss provision to assets | 0.1225% | 1,770 |
| Net operating income to assets | 1.0386% | 2,378 |
| Return on assets (ROA) | 1.0433% | 2,398 |
| Pretax return on assets | 1.6442% | 1,259 |
| Return on Equity (ROE) | 11.1665% | 1,622 |
| Retained earnings to average equity (ytd only) | 9.0947% | 814 |
| Net charge-offs to loans | 0.0797% | 2,004 |
| Credit loss provision to net charge-offs | 186.6883% | 1,421 |
| Earnings coverage of net charge-offs (x) | 26.8102% | 1,665 |
| Efficiency ratio | 58.1888% | 4,478 |
| Assets per employee ($millions) | 7.9883% | 636 |
| Cash dividends to net income (ytd only)* | 18.5541% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 2,947 |
| Loan loss allowance to noncurrent loans | 220.0906% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 3,060 |
| Noncurrent loans to loans | 0.5439% | 3,071 |
| Net loans and leases to total assets | 81.6152% | 751 |
| Net loans and leases to deposits | 103.5857% | 523 |
| Net loans and leases to core deposits | 111.9584% | 926 |
| Total domestic deposits to total assets | 78.7901% | 4,575 |
| Equity capital to assets | 9.1474% | 4,777 |
| Core capital (leverage) ratio | 9.3761% | 4,319 |
| Tier 1 risk-based capital ratio | 11.8556% | 4,727 |
| Total risk-based capital ratio | 12.9498% | 4,716 |
| Memoranda: | ||
| Average total assets | $1,251,526,750 | 607 |
| Average earning assets | $1,171,305,250 | 599 |
| Average equity | $116,930,000 | 702 |
| Average total loans | $1,030,976,750 | 526 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,135 |
| Cost of funding earning assets | 0.7669% | 624 |
| Net interest margin | 3.8953% | 1,943 |
| Noninterest income to average assets | 0.5320% | 2,822 |
| Noninterest expense to average assets | 2.4732% | 3,839 |
| Loan and lease loss provision to assets | 0.1060% | 1,920 |
| Net operating income to assets | 1.0113% | 2,374 |
| Return on assets (ROA) | 1.0130% | 2,403 |
| Pretax return on assets | 1.6053% | 1,327 |
| Return on Equity (ROE) | 10.7609% | 1,727 |
| Retained earnings to average equity (ytd only) | 8.7137% | 933 |
| Net charge-offs to loans | 0.0850% | 1,761 |
| Credit loss provision to net charge-offs | 151.5152% | 1,507 |
| Earnings coverage of net charge-offs (x) | 24.4289% | 1,642 |
| Efficiency ratio | 59.1407% | 4,450 |
| Assets per employee ($millions) | 6.8392% | 994 |
| Cash dividends to net income (ytd only)* | 19.0246% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 2,895 |
| Loan loss allowance to noncurrent loans | 216.5454% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 3,062 |
| Noncurrent loans to loans | 0.5633% | 3,049 |
| Net loans and leases to total assets | 81.4822% | 748 |
| Net loans and leases to deposits | 103.0849% | 547 |
| Net loans and leases to core deposits | 111.2220% | 942 |
| Total domestic deposits to total assets | 79.0438% | 4,609 |
| Equity capital to assets | 9.2956% | 4,625 |
| Core capital (leverage) ratio | 9.3511% | 4,291 |
| Tier 1 risk-based capital ratio | 11.9443% | 4,666 |
| Total risk-based capital ratio | 13.1954% | 4,561 |
| Memoranda: | ||
| Average total assets | $1,226,683,330 | 621 |
| Average earning assets | $1,149,374,000 | 610 |
| Average equity | $115,473,330 | 715 |
| Average total loans | $1,009,510,000 | 539 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 1,151 |
| Cost of funding earning assets | 0.7600% | 616 |
| Net interest margin | 3.8380% | 1,993 |
| Noninterest income to average assets | 0.5322% | 2,757 |
| Noninterest expense to average assets | 2.4794% | 3,881 |
| Loan and lease loss provision to assets | 0.0831% | 2,153 |
| Net operating income to assets | 0.9920% | 2,341 |
| Return on assets (ROA) | 0.9920% | 2,394 |
| Pretax return on assets | 1.5635% | 1,328 |
| Return on Equity (ROE) | 10.4693% | 1,751 |
| Retained earnings to average equity (ytd only) | 8.5409% | 1,260 |
| Net charge-offs to loans | 0.0598% | 1,736 |
| Credit loss provision to net charge-offs | 168.9189% | 1,127 |
| Earnings coverage of net charge-offs (x) | 33.4865% | 1,146 |
| Efficiency ratio | 60.0934% | 4,444 |
| Assets per employee ($millions) | 6.7527% | 1,060 |
| Cash dividends to net income (ytd only)* | 18.4193% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,730 |
| Loan loss allowance to noncurrent loans | 163.4571% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7306% | 2,467 |
| Noncurrent loans to loans | 0.7733% | 2,533 |
| Net loans and leases to total assets | 81.0437% | 686 |
| Net loans and leases to deposits | 100.8872% | 556 |
| Net loans and leases to core deposits | 108.7703% | 935 |
| Total domestic deposits to total assets | 80.3310% | 4,556 |
| Equity capital to assets | 9.4413% | 4,350 |
| Core capital (leverage) ratio | 9.4249% | 4,205 |
| Tier 1 risk-based capital ratio | 12.1475% | 4,623 |
| Total risk-based capital ratio | 13.3992% | 4,517 |
| Memoranda: | ||
| Average total assets | $1,203,979,000 | 636 |
| Average earning assets | $1,127,366,500 | 619 |
| Average equity | $114,086,000 | 723 |
| Average total loans | $989,600,500 | 547 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5254% | 1,460 |
| Cost of funding earning assets | 0.8370% | 419 |
| Net interest margin | 3.6883% | 2,749 |
| Noninterest income to average assets | 0.7865% | 1,800 |
| Noninterest expense to average assets | 2.4579% | 4,136 |
| Loan and lease loss provision to assets | 0.1077% | 2,251 |
| Net operating income to assets | 1.0807% | 1,983 |
| Return on assets (ROA) | 1.0949% | 2,015 |
| Pretax return on assets | 1.6870% | 1,036 |
| Return on Equity (ROE) | 13.5137% | 870 |
| Retained earnings to average equity (ytd only) | 6.3212% | 1,554 |
| Net charge-offs to loans | 0.1514% | 1,744 |
| Credit loss provision to net charge-offs | 87.1429% | 2,852 |
| Earnings coverage of net charge-offs (x) | 14.3471% | 2,301 |
| Efficiency ratio | 58.0974% | 4,839 |
| Assets per employee ($millions) | 6.4442% | 1,179 |
| Cash dividends to net income (ytd only)* | 53.2242% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,605 |
| Loan loss allowance to noncurrent loans | 173.8151% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 2,624 |
| Noncurrent loans to loans | 0.7415% | 2,674 |
| Net loans and leases to total assets | 81.2497% | 704 |
| Net loans and leases to deposits | 101.7678% | 547 |
| Net loans and leases to core deposits | 110.3042% | 884 |
| Total domestic deposits to total assets | 79.8384% | 4,604 |
| Equity capital to assets | 9.5112% | 4,257 |
| Core capital (leverage) ratio | 9.4952% | 4,088 |
| Tier 1 risk-based capital ratio | 12.2252% | 4,557 |
| Total risk-based capital ratio | 13.4771% | 4,435 |
| Memoranda: | ||
| Average total assets | $1,133,028,400 | 633 |
| Average earning assets | $1,058,038,800 | 623 |
| Average equity | $91,802,800 | 874 |
| Average total loans | $924,924,000 | 551 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5054% | 1,522 |
| Cost of funding earning assets | 0.8538% | 372 |
| Net interest margin | 3.6516% | 2,881 |
| Noninterest income to average assets | 0.8400% | 1,606 |
| Noninterest expense to average assets | 2.4450% | 4,149 |
| Loan and lease loss provision to assets | 0.1214% | 1,916 |
| Net operating income to assets | 1.0964% | 2,012 |
| Return on assets (ROA) | 1.1060% | 2,076 |
| Pretax return on assets | 1.6976% | 1,122 |
| Return on Equity (ROE) | 14.3081% | 766 |
| Retained earnings to average equity (ytd only) | 4.8243% | 2,942 |
| Net charge-offs to loans | 0.1599% | 1,421 |
| Credit loss provision to net charge-offs | 93.2358% | 2,483 |
| Earnings coverage of net charge-offs (x) | 13.8519% | 2,277 |
| Efficiency ratio | 57.5399% | 4,887 |
| Assets per employee ($millions) | 6.3906% | 1,183 |
| Cash dividends to net income (ytd only)* | 66.2827% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,526 |
| Loan loss allowance to noncurrent loans | 194.3466% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 2,771 |
| Noncurrent loans to loans | 0.6853% | 2,979 |
| Net loans and leases to total assets | 81.6944% | 660 |
| Net loans and leases to deposits | 100.6583% | 667 |
| Net loans and leases to core deposits | 111.6689% | 829 |
| Total domestic deposits to total assets | 81.1601% | 4,207 |
| Equity capital to assets | 8.2992% | 5,624 |
| Core capital (leverage) ratio | 8.2795% | 5,511 |
| Tier 1 risk-based capital ratio | 10.4824% | 5,628 |
| Total risk-based capital ratio | 11.3007% | 5,728 |
| Memoranda: | ||
| Average total assets | $1,119,853,500 | 641 |
| Average earning assets | $1,045,531,750 | 630 |
| Average equity | $86,559,250 | 921 |
| Average total loans | $912,160,000 | 552 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 1,716 |
| Cost of funding earning assets | 0.8774% | 321 |
| Net interest margin | 3.5607% | 3,247 |
| Noninterest income to average assets | 0.9163% | 1,323 |
| Noninterest expense to average assets | 2.4246% | 4,253 |
| Loan and lease loss provision to assets | 0.1081% | 2,057 |
| Net operating income to assets | 1.1140% | 1,911 |
| Return on assets (ROA) | 1.1271% | 1,973 |
| Pretax return on assets | 1.7300% | 1,026 |
| Return on Equity (ROE) | 14.9635% | 671 |
| Retained earnings to average equity (ytd only) | 1.1891% | 4,904 |
| Net charge-offs to loans | 0.1337% | 1,528 |
| Credit loss provision to net charge-offs | 99.8336% | 2,134 |
| Earnings coverage of net charge-offs (x) | 16.7837% | 1,915 |
| Efficiency ratio | 57.1495% | 5,008 |
| Assets per employee ($millions) | 6.5476% | 1,064 |
| Cash dividends to net income (ytd only)* | 92.0531% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 2,341 |
| Loan loss allowance to noncurrent loans | 181.5827% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 2,660 |
| Noncurrent loans to loans | 0.7657% | 2,829 |
| Net loans and leases to total assets | 80.3498% | 850 |
| Net loans and leases to deposits | 98.9813% | 786 |
| Net loans and leases to core deposits | 111.0900% | 870 |
| Total domestic deposits to total assets | 81.1767% | 4,222 |
| Equity capital to assets | 7.5379% | 5,907 |
| Core capital (leverage) ratio | 7.6198% | 5,852 |
| Tier 1 risk-based capital ratio | 9.7142% | 5,913 |
| Total risk-based capital ratio | 11.6261% | 5,648 |
| Memoranda: | ||
| Average total assets | $1,109,703,670 | 648 |
| Average earning assets | $1,036,660,670 | 636 |
| Average equity | $83,590,330 | 955 |
| Average total loans | $898,740,670 | 560 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 1,789 |
| Cost of funding earning assets | 0.8951% | 305 |
| Net interest margin | 3.5088% | 3,441 |
| Noninterest income to average assets | 0.6816% | 2,129 |
| Noninterest expense to average assets | 2.4349% | 4,276 |
| Loan and lease loss provision to assets | 0.0726% | 2,506 |
| Net operating income to assets | 0.9640% | 2,442 |
| Return on assets (ROA) | 0.9718% | 2,518 |
| Pretax return on assets | 1.4599% | 1,718 |
| Return on Equity (ROE) | 12.9057% | 1,057 |
| Retained earnings to average equity (ytd only) | -13.2240% | 5,879 |
| Net charge-offs to loans | 0.1462% | 1,237 |
| Credit loss provision to net charge-offs | 61.5385% | 1,969 |
| Earnings coverage of net charge-offs (x) | 12.8862% | 1,765 |
| Efficiency ratio | 61.5533% | 4,521 |
| Assets per employee ($millions) | 6.8215% | 961 |
| Cash dividends to net income (ytd only)* | 202.4664% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 2,332 |
| Loan loss allowance to noncurrent loans | 183.4471% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 2,854 |
| Noncurrent loans to loans | 0.7742% | 2,903 |
| Net loans and leases to total assets | 78.3910% | 1,047 |
| Net loans and leases to deposits | 94.5081% | 1,093 |
| Net loans and leases to core deposits | 106.5585% | 1,045 |
| Total domestic deposits to total assets | 82.9463% | 3,920 |
| Equity capital to assets | 7.2890% | 5,983 |
| Core capital (leverage) ratio | 7.3412% | 5,954 |
| Tier 1 risk-based capital ratio | 9.7019% | 5,971 |
| Total risk-based capital ratio | 11.9783% | 5,559 |
| Memoranda: | ||
| Average total assets | $1,101,460,500 | 656 |
| Average earning assets | $1,027,810,000 | 641 |
| Average equity | $82,940,000 | 960 |
| Average total loans | $889,286,500 | 562 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 1,919 |
| Cost of funding earning assets | 0.8405% | 397 |
| Net interest margin | 3.5535% | 3,307 |
| Noninterest income to average assets | 0.6411% | 2,513 |
| Noninterest expense to average assets | 2.5546% | 4,057 |
| Loan and lease loss provision to assets | 0.0481% | 3,369 |
| Net operating income to assets | 0.8895% | 2,932 |
| Return on assets (ROA) | 0.8913% | 2,999 |
| Pretax return on assets | 1.3384% | 2,136 |
| Return on Equity (ROE) | 11.5788% | 1,415 |
| Retained earnings to average equity (ytd only) | 10.1444% | 448 |
| Net charge-offs to loans | 0.0355% | 3,504 |
| Credit loss provision to net charge-offs | 171.2329% | 1,580 |
| Earnings coverage of net charge-offs (x) | 49.3116% | 1,013 |
| Efficiency ratio | 64.8642% | 4,102 |
| Assets per employee ($millions) | 6.6926% | 1,010 |
| Cash dividends to net income (ytd only)* | 12.3881% | 4,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 2,273 |
| Loan loss allowance to noncurrent loans | 175.7438% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8164% | 2,633 |
| Noncurrent loans to loans | 0.8167% | 2,742 |
| Net loans and leases to total assets | 80.8157% | 735 |
| Net loans and leases to deposits | 97.9048% | 826 |
| Net loans and leases to core deposits | 109.7646% | 863 |
| Total domestic deposits to total assets | 82.5452% | 4,003 |
| Equity capital to assets | 7.7787% | 5,928 |
| Core capital (leverage) ratio | 7.9523% | 5,860 |
| Tier 1 risk-based capital ratio | 10.0805% | 5,936 |
| Total risk-based capital ratio | 12.3624% | 5,367 |
| Memoranda: | ||
| Average total assets | $1,040,557,400 | 662 |
| Average earning assets | $965,519,000 | 657 |
| Average equity | $80,103,600 | 953 |
| Average total loans | $822,536,200 | 573 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 2,000 |
| Cost of funding earning assets | 0.8374% | 406 |
| Net interest margin | 3.5364% | 3,399 |
| Noninterest income to average assets | 0.6664% | 2,404 |
| Noninterest expense to average assets | 2.5883% | 3,919 |
| Loan and lease loss provision to assets | 0.0518% | 3,161 |
| Net operating income to assets | 0.8674% | 3,099 |
| Return on assets (ROA) | 0.8698% | 3,171 |
| Pretax return on assets | 1.3055% | 2,377 |
| Return on Equity (ROE) | 11.3299% | 1,591 |
| Retained earnings to average equity (ytd only) | 9.9417% | 643 |
| Net charge-offs to loans | 0.0877% | 2,291 |
| Credit loss provision to net charge-offs | 75.4717% | 2,676 |
| Earnings coverage of net charge-offs (x) | 19.7245% | 1,919 |
| Efficiency ratio | 65.6593% | 3,953 |
| Assets per employee ($millions) | 6.2622% | 1,195 |
| Cash dividends to net income (ytd only)* | 12.2525% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 2,363 |
| Loan loss allowance to noncurrent loans | 112.7747% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2141% | 1,946 |
| Noncurrent loans to loans | 1.2873% | 1,986 |
| Net loans and leases to total assets | 80.1422% | 807 |
| Net loans and leases to deposits | 97.2877% | 880 |
| Net loans and leases to core deposits | 108.5557% | 950 |
| Total domestic deposits to total assets | 82.3765% | 4,032 |
| Equity capital to assets | 7.7969% | 6,022 |
| Core capital (leverage) ratio | 8.0286% | 5,885 |
| Tier 1 risk-based capital ratio | 10.1275% | 6,004 |
| Total risk-based capital ratio | 12.4445% | 5,446 |
| Memoranda: | ||
| Average total assets | $1,029,648,250 | 674 |
| Average earning assets | $953,703,500 | 672 |
| Average equity | $79,045,500 | 969 |
| Average total loans | $805,930,750 | 587 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 2,005 |
| Cost of funding earning assets | 0.8352% | 416 |
| Net interest margin | 3.5171% | 3,430 |
| Noninterest income to average assets | 0.5925% | 2,783 |
| Noninterest expense to average assets | 2.5657% | 4,017 |
| Loan and lease loss provision to assets | 0.0391% | 3,336 |
| Net operating income to assets | 0.8251% | 3,244 |
| Return on assets (ROA) | 0.8288% | 3,334 |
| Pretax return on assets | 1.2428% | 2,582 |
| Return on Equity (ROE) | 10.8544% | 1,728 |
| Retained earnings to average equity (ytd only) | 9.5655% | 765 |
| Net charge-offs to loans | 0.0879% | 2,157 |
| Credit loss provision to net charge-offs | 57.6369% | 2,615 |
| Earnings coverage of net charge-offs (x) | 18.8012% | 1,788 |
| Efficiency ratio | 66.7770% | 3,870 |
| Assets per employee ($millions) | 5.7833% | 1,512 |
| Cash dividends to net income (ytd only)* | 11.8744% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 2,260 |
| Loan loss allowance to noncurrent loans | 136.1581% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.1112% | 2,282 |
| Noncurrent loans to loans | 1.1087% | 2,439 |
| Net loans and leases to total assets | 79.0598% | 928 |
| Net loans and leases to deposits | 99.2094% | 710 |
| Net loans and leases to core deposits | 107.6831% | 977 |
| Total domestic deposits to total assets | 79.6898% | 4,932 |
| Equity capital to assets | 7.7881% | 6,048 |
| Core capital (leverage) ratio | 8.1698% | 5,813 |
| Tier 1 risk-based capital ratio | 10.1825% | 6,035 |
| Total risk-based capital ratio | 12.5369% | 5,509 |
| Memoranda: | ||
| Average total assets | $1,022,179,670 | 683 |
| Average earning assets | $944,467,330 | 678 |
| Average equity | $78,051,330 | 980 |
| Average total loans | $789,387,670 | 594 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 2,287 |
| Cost of funding earning assets | 0.8387% | 404 |
| Net interest margin | 3.4077% | 3,814 |
| Noninterest income to average assets | 0.5890% | 2,703 |
| Noninterest expense to average assets | 2.5454% | 4,115 |
| Loan and lease loss provision to assets | 0.0783% | 2,388 |
| Net operating income to assets | 0.7323% | 3,636 |
| Return on assets (ROA) | 0.7323% | 3,766 |
| Pretax return on assets | 1.1141% | 3,022 |
| Return on Equity (ROE) | 9.6871% | 2,138 |
| Retained earnings to average equity (ytd only) | 8.3920% | 1,417 |
| Net charge-offs to loans | 0.2949% | 809 |
| Credit loss provision to net charge-offs | 35.0877% | 2,227 |
| Earnings coverage of net charge-offs (x) | 5.3421% | 2,397 |
| Efficiency ratio | 68.0985% | 3,808 |
| Assets per employee ($millions) | 6.2334% | 1,235 |
| Cash dividends to net income (ytd only)* | 13.3690% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 2,228 |
| Loan loss allowance to noncurrent loans | 133.1839% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.0748% | 2,467 |
| Noncurrent loans to loans | 1.1656% | 2,441 |
| Net loans and leases to total assets | 74.6526% | 1,409 |
| Net loans and leases to deposits | 97.8225% | 686 |
| Net loans and leases to core deposits | 105.8428% | 947 |
| Total domestic deposits to total assets | 76.3144% | 5,702 |
| Equity capital to assets | 7.5487% | 6,166 |
| Core capital (leverage) ratio | 8.0111% | 5,938 |
| Tier 1 risk-based capital ratio | 10.0655% | 6,156 |
| Total risk-based capital ratio | 12.4391% | 5,631 |
| Memoranda: | ||
| Average total assets | $1,021,447,000 | 683 |
| Average earning assets | $943,876,000 | 678 |
| Average equity | $77,216,000 | 992 |
| Average total loans | $773,233,500 | 599 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 2,523 |
| Cost of funding earning assets | 0.8840% | 429 |
| Net interest margin | 3.4375% | 4,032 |
| Noninterest income to average assets | 0.5783% | 2,997 |
| Noninterest expense to average assets | 2.5593% | 4,363 |
| Loan and lease loss provision to assets | 0.2662% | 823 |
| Net operating income to assets | 0.6146% | 4,300 |
| Return on assets (ROA) | 0.6453% | 4,265 |
| Pretax return on assets | 0.9518% | 3,683 |
| Return on Equity (ROE) | 8.9742% | 2,600 |
| Retained earnings to average equity (ytd only) | 8.9742% | 712 |
| Net charge-offs to loans | 0.4388% | 963 |
| Credit loss provision to net charge-offs | 81.2102% | 2,841 |
| Earnings coverage of net charge-offs (x) | 3.5780% | 3,852 |
| Efficiency ratio | 68.5761% | 3,796 |
| Assets per employee ($millions) | 5.9654% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 1,935 |
| Loan loss allowance to noncurrent loans | 102.3903% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.3311% | 2,111 |
| Noncurrent loans to loans | 1.6090% | 1,822 |
| Net loans and leases to total assets | 74.3215% | 1,535 |
| Net loans and leases to deposits | 94.3020% | 1,050 |
| Net loans and leases to core deposits | 102.0845% | 1,241 |
| Total domestic deposits to total assets | 78.8121% | 5,291 |
| Equity capital to assets | 7.5706% | 6,217 |
| Core capital (leverage) ratio | 7.7976% | 6,102 |
| Tier 1 risk-based capital ratio | 10.3651% | 6,159 |
| Total risk-based capital ratio | 12.7991% | 5,545 |
| Memoranda: | ||
| Average total assets | $957,985,800 | 703 |
| Average earning assets | $878,924,200 | 698 |
| Average equity | $68,886,200 | 1,071 |
| Average total loans | $715,546,600 | 607 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 2,618 |
| Cost of funding earning assets | 0.8838% | 460 |
| Net interest margin | 3.4199% | 4,151 |
| Noninterest income to average assets | 0.5862% | 2,957 |
| Noninterest expense to average assets | 2.6060% | 4,182 |
| Loan and lease loss provision to assets | 0.2397% | 916 |
| Net operating income to assets | 0.6019% | 4,441 |
| Return on assets (ROA) | 0.6387% | 4,362 |
| Pretax return on assets | 0.9272% | 3,872 |
| Return on Equity (ROE) | 9.0091% | 2,679 |
| Retained earnings to average equity (ytd only) | 9.0091% | 1,000 |
| Net charge-offs to loans | 0.3642% | 1,099 |
| Credit loss provision to net charge-offs | 88.4035% | 2,464 |
| Earnings coverage of net charge-offs (x) | 4.1066% | 3,539 |
| Efficiency ratio | 70.0599% | 3,497 |
| Assets per employee ($millions) | 5.9448% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7354% | 1,865 |
| Loan loss allowance to noncurrent loans | 115.2158% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 2,327 |
| Noncurrent loans to loans | 1.5062% | 2,154 |
| Net loans and leases to total assets | 75.4848% | 1,285 |
| Net loans and leases to deposits | 93.5243% | 1,079 |
| Net loans and leases to core deposits | 101.3841% | 1,259 |
| Total domestic deposits to total assets | 80.7114% | 4,916 |
| Equity capital to assets | 7.7026% | 6,246 |
| Core capital (leverage) ratio | 8.0107% | 6,062 |
| Tier 1 risk-based capital ratio | 10.3554% | 6,248 |
| Total risk-based capital ratio | 12.8141% | 5,682 |
| Memoranda: | ||
| Average total assets | $945,444,000 | 712 |
| Average earning assets | $866,250,000 | 711 |
| Average equity | $67,027,000 | 1,102 |
| Average total loans | $703,977,000 | 616 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 2,681 |
| Cost of funding earning assets | 0.8779% | 484 |
| Net interest margin | 3.3982% | 4,181 |
| Noninterest income to average assets | 0.5256% | 3,301 |
| Noninterest expense to average assets | 2.6199% | 4,170 |
| Loan and lease loss provision to assets | 0.2453% | 906 |
| Net operating income to assets | 0.5202% | 4,727 |
| Return on assets (ROA) | 0.5742% | 4,591 |
| Pretax return on assets | 0.8515% | 4,075 |
| Return on Equity (ROE) | 8.3486% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.3486% | 1,189 |
| Net charge-offs to loans | 0.4151% | 981 |
| Credit loss provision to net charge-offs | 80.2512% | 2,327 |
| Earnings coverage of net charge-offs (x) | 3.3245% | 3,342 |
| Efficiency ratio | 72.0521% | 3,328 |
| Assets per employee ($millions) | 5.4490% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 1,814 |
| Loan loss allowance to noncurrent loans | 107.7877% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.3999% | 2,338 |
| Noncurrent loans to loans | 1.6828% | 2,064 |
| Net loans and leases to total assets | 74.6996% | 1,352 |
| Net loans and leases to deposits | 95.5164% | 837 |
| Net loans and leases to core deposits | 104.0495% | 1,008 |
| Total domestic deposits to total assets | 78.2060% | 5,598 |
| Equity capital to assets | 7.1053% | 6,429 |
| Core capital (leverage) ratio | 7.2160% | 6,390 |
| Tier 1 risk-based capital ratio | 9.5142% | 6,492 |
| Total risk-based capital ratio | 12.0196% | 6,092 |
| Memoranda: | ||
| Average total assets | $937,591,670 | 713 |
| Average earning assets | $858,215,330 | 713 |
| Average equity | $64,490,000 | 1,136 |
| Average total loans | $690,514,000 | 622 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 2,756 |
| Cost of funding earning assets | 0.8578% | 567 |
| Net interest margin | 3.3751% | 4,242 |
| Noninterest income to average assets | 0.5087% | 3,340 |
| Noninterest expense to average assets | 2.6165% | 4,218 |
| Loan and lease loss provision to assets | 0.2552% | 838 |
| Net operating income to assets | 0.4888% | 4,742 |
| Return on assets (ROA) | 0.5197% | 4,661 |
| Pretax return on assets | 0.7847% | 4,165 |
| Return on Equity (ROE) | 7.6816% | 3,103 |
| Retained earnings to average equity (ytd only) | 7.6816% | 1,732 |
| Net charge-offs to loans | 0.5483% | 672 |
| Credit loss provision to net charge-offs | 64.2398% | 2,066 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,865 |
| Efficiency ratio | 72.4873% | 3,406 |
| Assets per employee ($millions) | 5.9291% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8725% | 1,832 |
| Loan loss allowance to noncurrent loans | 106.2733% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.5115% | 2,339 |
| Noncurrent loans to loans | 1.7620% | 2,190 |
| Net loans and leases to total assets | 69.8729% | 1,909 |
| Net loans and leases to deposits | 87.3491% | 1,433 |
| Net loans and leases to core deposits | 94.7181% | 1,492 |
| Total domestic deposits to total assets | 79.9927% | 5,482 |
| Equity capital to assets | 6.7100% | 6,500 |
| Core capital (leverage) ratio | 7.1351% | 6,442 |
| Tier 1 risk-based capital ratio | 9.3890% | 6,566 |
| Total risk-based capital ratio | 11.9106% | 6,250 |
| Memoranda: | ||
| Average total assets | $940,500,500 | 724 |
| Average earning assets | $864,092,500 | 711 |
| Average equity | $63,632,500 | 1,154 |
| Average total loans | $681,326,500 | 632 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 2,559 |
| Cost of funding earning assets | 0.8925% | 770 |
| Net interest margin | 3.5153% | 3,829 |
| Noninterest income to average assets | 0.6497% | 2,811 |
| Noninterest expense to average assets | 2.8034% | 3,708 |
| Loan and lease loss provision to assets | 0.2755% | 1,275 |
| Net operating income to assets | 0.5299% | 4,597 |
| Return on assets (ROA) | 0.5599% | 4,578 |
| Pretax return on assets | 0.8473% | 3,974 |
| Return on Equity (ROE) | 6.9591% | 3,578 |
| Retained earnings to average equity (ytd only) | -11.5563% | 6,562 |
| Net charge-offs to loans | 0.6306% | 1,039 |
| Credit loss provision to net charge-offs | 59.2387% | 3,588 |
| Earnings coverage of net charge-offs (x) | 2.3169% | 4,236 |
| Efficiency ratio | 72.2377% | 3,433 |
| Assets per employee ($millions) | 5.6471% | 1,518 |
| Cash dividends to net income (ytd only)* | 266.0595% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 1,692 |
| Loan loss allowance to noncurrent loans | 85.8777% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.7312% | 2,134 |
| Noncurrent loans to loans | 2.2546% | 1,719 |
| Net loans and leases to total assets | 72.3059% | 1,637 |
| Net loans and leases to deposits | 90.0085% | 1,237 |
| Net loans and leases to core deposits | 98.5520% | 1,273 |
| Total domestic deposits to total assets | 80.3322% | 5,366 |
| Equity capital to assets | 6.8240% | 6,503 |
| Core capital (leverage) ratio | 7.0160% | 6,525 |
| Tier 1 risk-based capital ratio | 9.3266% | 6,625 |
| Total risk-based capital ratio | 11.8751% | 6,282 |
| Memoranda: | ||
| Average total assets | $853,066,000 | 777 |
| Average earning assets | $784,122,800 | 772 |
| Average equity | $68,629,400 | 1,041 |
| Average total loans | $629,048,400 | 666 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 2,445 |
| Cost of funding earning assets | 0.8994% | 817 |
| Net interest margin | 3.5446% | 3,689 |
| Noninterest income to average assets | 0.6847% | 2,706 |
| Noninterest expense to average assets | 2.8785% | 3,381 |
| Loan and lease loss provision to assets | 0.2471% | 1,448 |
| Net operating income to assets | 0.5304% | 4,667 |
| Return on assets (ROA) | 0.5681% | 4,633 |
| Pretax return on assets | 0.8715% | 4,005 |
| Return on Equity (ROE) | 6.7784% | 3,770 |
| Retained earnings to average equity (ytd only) | -17.3960% | 6,736 |
| Net charge-offs to loans | 0.5963% | 1,048 |
| Credit loss provision to net charge-offs | 56.2001% | 3,373 |
| Earnings coverage of net charge-offs (x) | 2.4119% | 4,029 |
| Efficiency ratio | 73.0743% | 3,209 |
| Assets per employee ($millions) | 5.4715% | 1,657 |
| Cash dividends to net income (ytd only)* | 356.6374% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0511% | 1,606 |
| Loan loss allowance to noncurrent loans | 77.3623% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.1434% | 1,863 |
| Noncurrent loans to loans | 2.6513% | 1,591 |
| Net loans and leases to total assets | 73.9137% | 1,303 |
| Net loans and leases to deposits | 88.9031% | 1,280 |
| Net loans and leases to core deposits | 95.6089% | 1,428 |
| Total domestic deposits to total assets | 83.1396% | 4,525 |
| Equity capital to assets | 7.0324% | 6,539 |
| Core capital (leverage) ratio | 7.2109% | 6,542 |
| Tier 1 risk-based capital ratio | 9.3530% | 6,696 |
| Total risk-based capital ratio | 11.9413% | 6,365 |
| Memoranda: | ||
| Average total assets | $836,212,500 | 794 |
| Average earning assets | $767,759,750 | 788 |
| Average equity | $70,083,250 | 1,025 |
| Average total loans | $616,635,000 | 682 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 2,268 |
| Cost of funding earning assets | 0.9150% | 827 |
| Net interest margin | 3.5671% | 3,490 |
| Noninterest income to average assets | 0.6968% | 2,659 |
| Noninterest expense to average assets | 2.9524% | 3,154 |
| Loan and lease loss provision to assets | 0.2308% | 1,622 |
| Net operating income to assets | 0.5155% | 4,732 |
| Return on assets (ROA) | 0.5676% | 4,636 |
| Pretax return on assets | 0.8730% | 4,014 |
| Return on Equity (ROE) | 6.4068% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.4068% | 2,197 |
| Net charge-offs to loans | 0.4648% | 1,418 |
| Credit loss provision to net charge-offs | 67.9056% | 2,873 |
| Earnings coverage of net charge-offs (x) | 3.0114% | 3,526 |
| Efficiency ratio | 74.2545% | 3,082 |
| Assets per employee ($millions) | 5.3850% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2993% | 1,264 |
| Loan loss allowance to noncurrent loans | 103.7937% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.7645% | 2,468 |
| Noncurrent loans to loans | 2.2153% | 2,154 |
| Net loans and leases to total assets | 73.7956% | 1,285 |
| Net loans and leases to deposits | 96.5900% | 630 |
| Net loans and leases to core deposits | 100.2311% | 1,055 |
| Total domestic deposits to total assets | 76.4009% | 6,210 |
| Equity capital to assets | 8.9334% | 5,288 |
| Core capital (leverage) ratio | 9.0256% | 4,946 |
| Tier 1 risk-based capital ratio | 11.7920% | 5,919 |
| Total risk-based capital ratio | 14.4474% | 4,936 |
| Memoranda: | ||
| Average total assets | $823,138,000 | 808 |
| Average earning assets | $756,703,330 | 799 |
| Average equity | $72,923,000 | 988 |
| Average total loans | $601,974,330 | 691 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 2,369 |
| Cost of funding earning assets | 0.9205% | 891 |
| Net interest margin | 3.5243% | 3,598 |
| Noninterest income to average assets | 0.7215% | 2,476 |
| Noninterest expense to average assets | 2.9759% | 3,069 |
| Loan and lease loss provision to assets | 0.3160% | 1,074 |
| Net operating income to assets | 0.4410% | 4,954 |
| Return on assets (ROA) | 0.5115% | 4,749 |
| Pretax return on assets | 0.7861% | 4,227 |
| Return on Equity (ROE) | 5.7975% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.7975% | 2,780 |
| Net charge-offs to loans | 0.7185% | 855 |
| Credit loss provision to net charge-offs | 61.1477% | 2,429 |
| Earnings coverage of net charge-offs (x) | 1.9229% | 3,196 |
| Efficiency ratio | 74.9663% | 3,103 |
| Assets per employee ($millions) | 4.9783% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4046% | 1,243 |
| Loan loss allowance to noncurrent loans | 92.3339% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 2.0073% | 2,341 |
| Noncurrent loans to loans | 2.6042% | 1,979 |
| Net loans and leases to total assets | 70.4530% | 1,588 |
| Net loans and leases to deposits | 87.7153% | 1,176 |
| Net loans and leases to core deposits | 90.6637% | 1,641 |
| Total domestic deposits to total assets | 80.3201% | 5,685 |
| Equity capital to assets | 8.8278% | 5,691 |
| Core capital (leverage) ratio | 8.6516% | 5,392 |
| Tier 1 risk-based capital ratio | 11.3194% | 6,268 |
| Total risk-based capital ratio | 13.9437% | 5,388 |
| Memoranda: | ||
| Average total assets | $822,753,500 | 812 |
| Average earning assets | $758,272,000 | 807 |
| Average equity | $72,583,000 | 1,004 |
| Average total loans | $591,803,500 | 705 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 2,226 |
| Cost of funding earning assets | 1.0997% | 906 |
| Net interest margin | 3.6933% | 3,676 |
| Noninterest income to average assets | 0.7740% | 2,370 |
| Noninterest expense to average assets | 3.0039% | 3,257 |
| Loan and lease loss provision to assets | 0.4968% | 1,204 |
| Net operating income to assets | 0.4478% | 4,893 |
| Return on assets (ROA) | 0.4947% | 4,958 |
| Pretax return on assets | 0.7543% | 4,463 |
| Return on Equity (ROE) | 5.1789% | 4,602 |
| Retained earnings to average equity (ytd only) | -6.5234% | 6,505 |
| Net charge-offs to loans | 0.9429% | 1,174 |
| Credit loss provision to net charge-offs | 71.5564% | 4,111 |
| Earnings coverage of net charge-offs (x) | 1.6995% | 4,584 |
| Efficiency ratio | 71.7551% | 3,466 |
| Assets per employee ($millions) | 4.9643% | 2,278 |
| Cash dividends to net income (ytd only)* | 225.9603% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5140% | 1,115 |
| Loan loss allowance to noncurrent loans | 83.9620% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.3688% | 2,072 |
| Noncurrent loans to loans | 2.9942% | 1,742 |
| Net loans and leases to total assets | 69.8663% | 1,868 |
| Net loans and leases to deposits | 86.6321% | 1,425 |
| Net loans and leases to core deposits | 89.6719% | 1,870 |
| Total domestic deposits to total assets | 80.6471% | 5,498 |
| Equity capital to assets | 8.8161% | 5,730 |
| Core capital (leverage) ratio | 8.6322% | 5,421 |
| Tier 1 risk-based capital ratio | 11.5094% | 6,100 |
| Total risk-based capital ratio | 14.1810% | 5,101 |
| Memoranda: | ||
| Average total assets | $805,089,800 | 816 |
| Average earning assets | $743,317,400 | 801 |
| Average equity | $76,907,800 | 917 |
| Average total loans | $592,838,200 | 694 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 2,143 |
| Cost of funding earning assets | 1.1333% | 932 |
| Net interest margin | 3.7301% | 3,655 |
| Noninterest income to average assets | 0.7309% | 2,562 |
| Noninterest expense to average assets | 3.0028% | 3,218 |
| Loan and lease loss provision to assets | 0.5323% | 1,112 |
| Net operating income to assets | 0.4233% | 5,147 |
| Return on assets (ROA) | 0.4797% | 5,183 |
| Pretax return on assets | 0.7282% | 4,753 |
| Return on Equity (ROE) | 4.9246% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.9246% | 3,419 |
| Net charge-offs to loans | 0.9544% | 1,125 |
| Credit loss provision to net charge-offs | 75.2233% | 3,762 |
| Earnings coverage of net charge-offs (x) | 1.6606% | 4,446 |
| Efficiency ratio | 71.8318% | 3,357 |
| Assets per employee ($millions) | 4.9817% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5622% | 1,125 |
| Loan loss allowance to noncurrent loans | 80.6475% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 2.5460% | 2,075 |
| Noncurrent loans to loans | 3.1770% | 1,741 |
| Net loans and leases to total assets | 72.5156% | 1,463 |
| Net loans and leases to deposits | 91.4312% | 1,022 |
| Net loans and leases to core deposits | 94.8719% | 1,500 |
| Total domestic deposits to total assets | 79.3117% | 5,803 |
| Equity capital to assets | 9.9640% | 4,546 |
| Core capital (leverage) ratio | 9.7595% | 3,858 |
| Tier 1 risk-based capital ratio | 12.6556% | 5,518 |
| Total risk-based capital ratio | 15.3117% | 4,440 |
| Memoranda: | ||
| Average total assets | $801,586,250 | 826 |
| Average earning assets | $740,729,500 | 812 |
| Average equity | $78,081,500 | 905 |
| Average total loans | $594,288,750 | 692 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8614% | 2,263 |
| Cost of funding earning assets | 1.1749% | 916 |
| Net interest margin | 3.6866% | 3,886 |
| Noninterest income to average assets | 0.6750% | 2,802 |
| Noninterest expense to average assets | 2.9857% | 3,314 |
| Loan and lease loss provision to assets | 0.5490% | 1,122 |
| Net operating income to assets | 0.3600% | 5,377 |
| Return on assets (ROA) | 0.4435% | 5,291 |
| Pretax return on assets | 0.6701% | 4,912 |
| Return on Equity (ROE) | 4.5876% | 4,999 |
| Retained earnings to average equity (ytd only) | 4.5876% | 3,554 |
| Net charge-offs to loans | 0.7630% | 1,444 |
| Credit loss provision to net charge-offs | 97.1731% | 2,853 |
| Earnings coverage of net charge-offs (x) | 1.9337% | 4,014 |
| Efficiency ratio | 73.1673% | 3,213 |
| Assets per employee ($millions) | 4.6420% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6920% | 1,042 |
| Loan loss allowance to noncurrent loans | 73.1077% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 3.1395% | 1,735 |
| Noncurrent loans to loans | 3.6823% | 1,544 |
| Net loans and leases to total assets | 75.0317% | 1,096 |
| Net loans and leases to deposits | 95.0176% | 694 |
| Net loans and leases to core deposits | 98.8717% | 1,185 |
| Total domestic deposits to total assets | 78.9661% | 5,966 |
| Equity capital to assets | 9.9941% | 4,346 |
| Core capital (leverage) ratio | 9.6314% | 3,951 |
| Tier 1 risk-based capital ratio | 12.3675% | 5,670 |
| Total risk-based capital ratio | 15.0158% | 4,587 |
| Memoranda: | ||
| Average total assets | $801,429,670 | 825 |
| Average earning assets | $739,824,330 | 815 |
| Average equity | $77,469,670 | 908 |
| Average total loans | $593,415,000 | 694 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 2,310 |
| Cost of funding earning assets | 1.2421% | 804 |
| Net interest margin | 3.6407% | 4,084 |
| Noninterest income to average assets | 0.6312% | 3,051 |
| Noninterest expense to average assets | 2.8769% | 3,720 |
| Loan and lease loss provision to assets | 0.5927% | 971 |
| Net operating income to assets | 0.3506% | 5,476 |
| Return on assets (ROA) | 0.4247% | 5,332 |
| Pretax return on assets | 0.6366% | 4,987 |
| Return on Equity (ROE) | 4.4674% | 5,060 |
| Retained earnings to average equity (ytd only) | 4.4674% | 3,910 |
| Net charge-offs to loans | 0.8229% | 1,248 |
| Credit loss provision to net charge-offs | 99.2556% | 2,388 |
| Earnings coverage of net charge-offs (x) | 1.8734% | 3,401 |
| Efficiency ratio | 71.9530% | 3,456 |
| Assets per employee ($millions) | 4.7344% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8038% | 1,001 |
| Loan loss allowance to noncurrent loans | 64.4003% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 3.3346% | 1,728 |
| Noncurrent loans to loans | 4.3537% | 1,367 |
| Net loans and leases to total assets | 69.9636% | 1,760 |
| Net loans and leases to deposits | 87.6536% | 1,212 |
| Net loans and leases to core deposits | 91.0534% | 1,743 |
| Total domestic deposits to total assets | 79.8184% | 5,894 |
| Equity capital to assets | 9.5491% | 4,724 |
| Core capital (leverage) ratio | 9.2443% | 4,452 |
| Tier 1 risk-based capital ratio | 12.5119% | 5,590 |
| Total risk-based capital ratio | 15.1956% | 4,478 |
| Memoranda: | ||
| Average total assets | $809,899,000 | 819 |
| Average earning assets | $748,417,500 | 809 |
| Average equity | $77,003,000 | 907 |
| Average total loans | $587,672,000 | 703 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2361% | 1,926 |
| Cost of funding earning assets | 1.3948% | 1,062 |
| Net interest margin | 3.8412% | 3,620 |
| Noninterest income to average assets | 0.5488% | 3,516 |
| Noninterest expense to average assets | 2.8997% | 3,960 |
| Loan and lease loss provision to assets | 0.8347% | 1,169 |
| Net operating income to assets | 0.2861% | 5,303 |
| Return on assets (ROA) | 0.3147% | 5,356 |
| Pretax return on assets | 0.4105% | 5,264 |
| Return on Equity (ROE) | 3.4277% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.4277% | 3,786 |
| Net charge-offs to loans | 0.7916% | 2,177 |
| Credit loss provision to net charge-offs | 141.1960% | 2,074 |
| Earnings coverage of net charge-offs (x) | 2.0434% | 4,248 |
| Efficiency ratio | 70.5475% | 3,836 |
| Assets per employee ($millions) | 4.7381% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7587% | 1,026 |
| Loan loss allowance to noncurrent loans | 64.9245% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 3.4820% | 1,703 |
| Noncurrent loans to loans | 4.2491% | 1,443 |
| Net loans and leases to total assets | 71.1223% | 1,800 |
| Net loans and leases to deposits | 89.0073% | 1,268 |
| Net loans and leases to core deposits | 93.3524% | 1,762 |
| Total domestic deposits to total assets | 79.9061% | 5,768 |
| Equity capital to assets | 9.4664% | 4,932 |
| Core capital (leverage) ratio | 9.0056% | 4,777 |
| Tier 1 risk-based capital ratio | 12.3638% | 5,568 |
| Total risk-based capital ratio | 15.0486% | 4,440 |
| Memoranda: | ||
| Average total assets | $814,677,800 | 801 |
| Average earning assets | $754,784,200 | 784 |
| Average equity | $74,801,800 | 902 |
| Average total loans | $608,357,600 | 689 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3572% | 1,654 |
| Cost of funding earning assets | 1.4115% | 1,183 |
| Net interest margin | 3.9457% | 3,169 |
| Noninterest income to average assets | 0.5431% | 3,565 |
| Noninterest expense to average assets | 2.9121% | 3,875 |
| Loan and lease loss provision to assets | 0.9234% | 959 |
| Net operating income to assets | 0.2837% | 5,456 |
| Return on assets (ROA) | 0.3287% | 5,465 |
| Pretax return on assets | 0.4233% | 5,393 |
| Return on Equity (ROE) | 3.6074% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.6074% | 4,180 |
| Net charge-offs to loans | 0.7767% | 2,006 |
| Credit loss provision to net charge-offs | 158.3964% | 1,957 |
| Earnings coverage of net charge-offs (x) | 2.2111% | 4,022 |
| Efficiency ratio | 69.2745% | 4,078 |
| Assets per employee ($millions) | 4.8810% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7247% | 1,101 |
| Loan loss allowance to noncurrent loans | 72.1708% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 3.2126% | 1,983 |
| Noncurrent loans to loans | 3.7753% | 1,794 |
| Net loans and leases to total assets | 71.6070% | 1,793 |
| Net loans and leases to deposits | 89.2693% | 1,292 |
| Net loans and leases to core deposits | 93.6081% | 1,827 |
| Total domestic deposits to total assets | 80.2146% | 5,675 |
| Equity capital to assets | 9.2779% | 5,412 |
| Core capital (leverage) ratio | 9.1899% | 4,641 |
| Tier 1 risk-based capital ratio | 11.9284% | 5,945 |
| Total risk-based capital ratio | 14.5746% | 4,838 |
| Memoranda: | ||
| Average total assets | $815,793,250 | 810 |
| Average earning assets | $756,320,500 | 792 |
| Average equity | $74,327,750 | 915 |
| Average total loans | $612,299,000 | 688 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4182% | 1,511 |
| Cost of funding earning assets | 1.4400% | 1,233 |
| Net interest margin | 3.9782% | 2,953 |
| Noninterest income to average assets | 0.5422% | 3,537 |
| Noninterest expense to average assets | 2.9455% | 3,844 |
| Loan and lease loss provision to assets | 1.0437% | 813 |
| Net operating income to assets | 0.2044% | 5,727 |
| Return on assets (ROA) | 0.2227% | 5,774 |
| Pretax return on assets | 0.2596% | 5,777 |
| Return on Equity (ROE) | 2.4599% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.4599% | 4,720 |
| Net charge-offs to loans | 0.8440% | 1,815 |
| Credit loss provision to net charge-offs | 163.7134% | 1,848 |
| Earnings coverage of net charge-offs (x) | 2.0108% | 3,861 |
| Efficiency ratio | 69.6352% | 4,179 |
| Assets per employee ($millions) | 4.7660% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6041% | 1,310 |
| Loan loss allowance to noncurrent loans | 57.2951% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 3.8089% | 1,701 |
| Noncurrent loans to loans | 4.5451% | 1,449 |
| Net loans and leases to total assets | 74.3782% | 1,345 |
| Net loans and leases to deposits | 92.8721% | 963 |
| Net loans and leases to core deposits | 96.1593% | 1,671 |
| Total domestic deposits to total assets | 80.0867% | 5,799 |
| Equity capital to assets | 9.3076% | 5,126 |
| Core capital (leverage) ratio | 8.8927% | 4,892 |
| Tier 1 risk-based capital ratio | 11.4620% | 6,192 |
| Total risk-based capital ratio | 14.0745% | 5,046 |
| Memoranda: | ||
| Average total assets | $814,387,000 | 823 |
| Average earning assets | $754,418,330 | 804 |
| Average equity | $73,743,670 | 922 |
| Average total loans | $615,187,670 | 692 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 1,538 |
| Cost of funding earning assets | 1.4456% | 1,406 |
| Net interest margin | 3.9600% | 2,870 |
| Noninterest income to average assets | 0.5574% | 3,458 |
| Noninterest expense to average assets | 3.0140% | 3,583 |
| Loan and lease loss provision to assets | 1.2212% | 575 |
| Net operating income to assets | 0.0557% | 6,219 |
| Return on assets (ROA) | 0.1167% | 6,104 |
| Pretax return on assets | 0.0484% | 6,268 |
| Return on Equity (ROE) | 1.3072% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.3072% | 5,303 |
| Net charge-offs to loans | 1.0331% | 1,323 |
| Credit loss provision to net charge-offs | 157.3317% | 1,829 |
| Earnings coverage of net charge-offs (x) | 1.5570% | 3,542 |
| Efficiency ratio | 71.3327% | 3,984 |
| Assets per employee ($millions) | 4.8241% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4857% | 1,478 |
| Loan loss allowance to noncurrent loans | 54.2205% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 3.7525% | 1,801 |
| Noncurrent loans to loans | 4.5844% | 1,512 |
| Net loans and leases to total assets | 73.0707% | 1,503 |
| Net loans and leases to deposits | 90.7220% | 1,152 |
| Net loans and leases to core deposits | 93.7422% | 1,916 |
| Total domestic deposits to total assets | 80.5435% | 5,807 |
| Equity capital to assets | 8.9470% | 5,289 |
| Core capital (leverage) ratio | 8.6675% | 5,145 |
| Tier 1 risk-based capital ratio | 11.1333% | 6,412 |
| Total risk-based capital ratio | 13.7339% | 5,258 |
| Memoranda: | ||
| Average total assets | $818,850,000 | 824 |
| Average earning assets | $757,880,000 | 809 |
| Average equity | $73,131,000 | 923 |
| Average total loans | $615,229,000 | 700 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4742% | 2,381 |
| Cost of funding earning assets | 1.7284% | 1,468 |
| Net interest margin | 3.7458% | 4,163 |
| Noninterest income to average assets | 0.4790% | 4,322 |
| Noninterest expense to average assets | 2.7776% | 4,683 |
| Loan and lease loss provision to assets | 0.8332% | 1,974 |
| Net operating income to assets | 0.2603% | 5,075 |
| Return on assets (ROA) | 0.2680% | 5,207 |
| Pretax return on assets | 0.3409% | 5,111 |
| Return on Equity (ROE) | 3.2481% | 4,842 |
| Retained earnings to average equity (ytd only) | 3.2481% | 3,592 |
| Net charge-offs to loans | 1.0543% | 2,095 |
| Credit loss provision to net charge-offs | 107.7586% | 4,114 |
| Earnings coverage of net charge-offs (x) | 1.5058% | 4,627 |
| Efficiency ratio | 70.4190% | 4,083 |
| Assets per employee ($millions) | 4.7535% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3321% | 1,646 |
| Loan loss allowance to noncurrent loans | 65.1842% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.9821% | 2,361 |
| Noncurrent loans to loans | 3.5776% | 2,097 |
| Net loans and leases to total assets | 73.5771% | 1,751 |
| Net loans and leases to deposits | 91.3122% | 1,353 |
| Net loans and leases to core deposits | 95.0196% | 2,128 |
| Total domestic deposits to total assets | 80.5775% | 5,666 |
| Equity capital to assets | 8.9148% | 5,264 |
| Core capital (leverage) ratio | 8.4847% | 5,394 |
| Tier 1 risk-based capital ratio | 11.1040% | 6,249 |
| Total risk-based capital ratio | 13.6948% | 5,054 |
| Memoranda: | ||
| Average total assets | $870,110,200 | 776 |
| Average earning assets | $804,398,400 | 756 |
| Average equity | $71,796,400 | 936 |
| Average total loans | $638,169,400 | 691 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4186% | 2,800 |
| Cost of funding earning assets | 1.7877% | 1,467 |
| Net interest margin | 3.6308% | 4,724 |
| Noninterest income to average assets | 0.4711% | 4,405 |
| Noninterest expense to average assets | 2.7180% | 4,802 |
| Loan and lease loss provision to assets | 0.6793% | 2,247 |
| Net operating income to assets | 0.3305% | 5,046 |
| Return on assets (ROA) | 0.3354% | 5,196 |
| Pretax return on assets | 0.4367% | 5,123 |
| Return on Equity (ROE) | 4.1421% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.1421% | 3,556 |
| Net charge-offs to loans | 0.8656% | 2,282 |
| Credit loss provision to net charge-offs | 107.6813% | 3,959 |
| Earnings coverage of net charge-offs (x) | 1.7590% | 4,395 |
| Efficiency ratio | 70.9655% | 3,886 |
| Assets per employee ($millions) | 4.8875% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2498% | 1,699 |
| Loan loss allowance to noncurrent loans | 47.5731% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 4.2037% | 1,629 |
| Noncurrent loans to loans | 4.7292% | 1,499 |
| Net loans and leases to total assets | 72.7769% | 2,056 |
| Net loans and leases to deposits | 91.2383% | 1,545 |
| Net loans and leases to core deposits | 95.2513% | 2,348 |
| Total domestic deposits to total assets | 79.7658% | 5,786 |
| Equity capital to assets | 8.6737% | 6,065 |
| Core capital (leverage) ratio | 8.3381% | 5,806 |
| Tier 1 risk-based capital ratio | 10.7503% | 6,587 |
| Total risk-based capital ratio | 13.3012% | 5,384 |
| Memoranda: | ||
| Average total assets | $883,235,750 | 763 |
| Average earning assets | $816,507,500 | 745 |
| Average equity | $71,523,500 | 939 |
| Average total loans | $643,727,750 | 687 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4206% | 2,891 |
| Cost of funding earning assets | 1.8507% | 1,428 |
| Net interest margin | 3.5699% | 4,948 |
| Noninterest income to average assets | 0.4610% | 4,425 |
| Noninterest expense to average assets | 2.6720% | 5,028 |
| Loan and lease loss provision to assets | 0.6698% | 2,155 |
| Net operating income to assets | 0.3279% | 5,077 |
| Return on assets (ROA) | 0.3293% | 5,231 |
| Pretax return on assets | 0.4229% | 5,144 |
| Return on Equity (ROE) | 4.1597% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.1597% | 3,420 |
| Net charge-offs to loans | 0.8932% | 2,052 |
| Credit loss provision to net charge-offs | 103.5912% | 3,939 |
| Earnings coverage of net charge-offs (x) | 1.6872% | 4,248 |
| Efficiency ratio | 70.9683% | 3,989 |
| Assets per employee ($millions) | 5.2661% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1887% | 1,783 |
| Loan loss allowance to noncurrent loans | 48.5450% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 3.7353% | 1,870 |
| Noncurrent loans to loans | 4.5086% | 1,613 |
| Net loans and leases to total assets | 71.7260% | 2,480 |
| Net loans and leases to deposits | 89.3137% | 1,958 |
| Net loans and leases to core deposits | 93.4541% | 2,795 |
| Total domestic deposits to total assets | 80.3079% | 5,631 |
| Equity capital to assets | 8.2920% | 6,434 |
| Core capital (leverage) ratio | 7.9580% | 6,317 |
| Tier 1 risk-based capital ratio | 10.4608% | 6,715 |
| Total risk-based capital ratio | 12.9926% | 5,510 |
| Memoranda: | ||
| Average total assets | $895,803,330 | 751 |
| Average earning assets | $828,537,330 | 726 |
| Average equity | $70,918,330 | 942 |
| Average total loans | $648,465,000 | 684 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 2,700 |
| Cost of funding earning assets | 1.9113% | 1,403 |
| Net interest margin | 3.5666% | 4,875 |
| Noninterest income to average assets | 0.3973% | 4,934 |
| Noninterest expense to average assets | 2.6131% | 5,299 |
| Loan and lease loss provision to assets | 0.6599% | 1,920 |
| Net operating income to assets | 0.3369% | 5,132 |
| Return on assets (ROA) | 0.3383% | 5,254 |
| Pretax return on assets | 0.4236% | 5,215 |
| Return on Equity (ROE) | 4.3723% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.3723% | 3,529 |
| Net charge-offs to loans | 0.7870% | 1,952 |
| Credit loss provision to net charge-offs | 116.5501% | 2,994 |
| Earnings coverage of net charge-offs (x) | 1.9106% | 3,586 |
| Efficiency ratio | 70.6751% | 4,183 |
| Assets per employee ($millions) | 5.1990% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 1,835 |
| Loan loss allowance to noncurrent loans | 47.2993% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 3.7156% | 1,880 |
| Noncurrent loans to loans | 4.5631% | 1,624 |
| Net loans and leases to total assets | 71.6674% | 2,529 |
| Net loans and leases to deposits | 88.5345% | 2,125 |
| Net loans and leases to core deposits | 94.3291% | 2,797 |
| Total domestic deposits to total assets | 80.9486% | 5,478 |
| Equity capital to assets | 7.9749% | 6,683 |
| Core capital (leverage) ratio | 7.7131% | 6,612 |
| Tier 1 risk-based capital ratio | 10.1012% | 6,960 |
| Total risk-based capital ratio | 12.6030% | 5,780 |
| Memoranda: | ||
| Average total assets | $909,250,500 | 753 |
| Average earning assets | $840,685,500 | 732 |
| Average equity | $70,352,500 | 949 |
| Average total loans | $654,107,500 | 691 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8081% | 2,623 |
| Cost of funding earning assets | 2.5218% | 976 |
| Net interest margin | 3.2863% | 5,796 |
| Noninterest income to average assets | 0.4277% | 4,986 |
| Noninterest expense to average assets | 2.6322% | 5,661 |
| Loan and lease loss provision to assets | 0.8797% | 2,550 |
| Net operating income to assets | 0.0143% | 5,448 |
| Return on assets (ROA) | -0.1093% | 5,698 |
| Pretax return on assets | -0.2033% | 5,709 |
| Return on Equity (ROE) | -1.4404% | 5,765 |
| Retained earnings to average equity (ytd only) | -1.4404% | 5,382 |
| Net charge-offs to loans | 0.6723% | 3,169 |
| Credit loss provision to net charge-offs | 178.4121% | 2,340 |
| Earnings coverage of net charge-offs (x) | 1.7636% | 4,402 |
| Efficiency ratio | 75.1209% | 3,684 |
| Assets per employee ($millions) | 5.3418% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1068% | 1,809 |
| Loan loss allowance to noncurrent loans | 49.8236% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 3.1536% | 2,193 |
| Noncurrent loans to loans | 4.2285% | 1,716 |
| Net loans and leases to total assets | 69.1977% | 3,438 |
| Net loans and leases to deposits | 84.2576% | 3,209 |
| Net loans and leases to core deposits | 98.2005% | 4,204 |
| Total domestic deposits to total assets | 82.1264% | 4,894 |
| Equity capital to assets | 7.5103% | 7,030 |
| Core capital (leverage) ratio | 7.3795% | 6,911 |
| Tier 1 risk-based capital ratio | 9.8218% | 7,005 |
| Total risk-based capital ratio | 12.3035% | 5,835 |
| Memoranda: | ||
| Average total assets | $909,427,800 | 743 |
| Average earning assets | $850,685,400 | 712 |
| Average equity | $69,007,200 | 953 |
| Average total loans | $666,943,200 | 700 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8667% | 2,599 |
| Cost of funding earning assets | 2.6295% | 960 |
| Net interest margin | 3.2373% | 5,889 |
| Noninterest income to average assets | 0.3949% | 5,333 |
| Noninterest expense to average assets | 2.6335% | 5,585 |
| Loan and lease loss provision to assets | 0.8845% | 2,173 |
| Net operating income to assets | -0.0600% | 5,822 |
| Return on assets (ROA) | -0.1692% | 6,020 |
| Pretax return on assets | -0.2468% | 6,039 |
| Return on Equity (ROE) | -2.2245% | 6,122 |
| Retained earnings to average equity (ytd only) | -2.2245% | 5,761 |
| Net charge-offs to loans | 0.7730% | 2,426 |
| Credit loss provision to net charge-offs | 154.5993% | 3,094 |
| Earnings coverage of net charge-offs (x) | 1.3914% | 4,742 |
| Efficiency ratio | 76.7409% | 3,371 |
| Assets per employee ($millions) | 5.2671% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 2,047 |
| Loan loss allowance to noncurrent loans | 47.3266% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 3.1538% | 2,160 |
| Noncurrent loans to loans | 4.0054% | 1,832 |
| Net loans and leases to total assets | 69.8761% | 3,549 |
| Net loans and leases to deposits | 85.1930% | 3,467 |
| Net loans and leases to core deposits | 98.4678% | 4,559 |
| Total domestic deposits to total assets | 82.0210% | 4,667 |
| Equity capital to assets | 7.5001% | 7,296 |
| Core capital (leverage) ratio | 7.5602% | 6,907 |
| Tier 1 risk-based capital ratio | 9.8509% | 7,097 |
| Total risk-based capital ratio | 12.3369% | 5,820 |
| Memoranda: | ||
| Average total assets | $904,417,000 | 757 |
| Average earning assets | $847,811,250 | 726 |
| Average equity | $68,807,500 | 968 |
| Average total loans | $669,425,250 | 716 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9645% | 2,327 |
| Cost of funding earning assets | 2.7135% | 997 |
| Net interest margin | 3.2510% | 5,731 |
| Noninterest income to average assets | 0.3721% | 5,533 |
| Noninterest expense to average assets | 2.6148% | 5,688 |
| Loan and lease loss provision to assets | 0.6677% | 2,436 |
| Net operating income to assets | 0.0948% | 5,583 |
| Return on assets (ROA) | -0.0944% | 6,048 |
| Pretax return on assets | -0.1373% | 6,045 |
| Return on Equity (ROE) | -1.2344% | 6,109 |
| Retained earnings to average equity (ytd only) | -1.2344% | 5,549 |
| Net charge-offs to loans | 0.7899% | 2,098 |
| Credit loss provision to net charge-offs | 112.7396% | 4,111 |
| Earnings coverage of net charge-offs (x) | 1.3585% | 4,510 |
| Efficiency ratio | 76.4254% | 3,612 |
| Assets per employee ($millions) | 5.4318% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 2,729 |
| Loan loss allowance to noncurrent loans | 45.2770% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 2.6323% | 2,437 |
| Noncurrent loans to loans | 3.5403% | 1,978 |
| Net loans and leases to total assets | 71.7410% | 3,292 |
| Net loans and leases to deposits | 88.7780% | 3,038 |
| Net loans and leases to core deposits | 104.5949% | 4,002 |
| Total domestic deposits to total assets | 80.8094% | 5,145 |
| Equity capital to assets | 7.5074% | 7,256 |
| Core capital (leverage) ratio | 7.7288% | 6,707 |
| Tier 1 risk-based capital ratio | 9.8717% | 7,064 |
| Total risk-based capital ratio | 12.3458% | 5,697 |
| Memoranda: | ||
| Average total assets | $898,642,670 | 781 |
| Average earning assets | $842,317,330 | 751 |
| Average equity | $68,699,670 | 976 |
| Average total loans | $673,726,670 | 734 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0298% | 2,236 |
| Cost of funding earning assets | 2.7716% | 1,052 |
| Net interest margin | 3.2582% | 5,664 |
| Noninterest income to average assets | 0.3741% | 5,434 |
| Noninterest expense to average assets | 2.4923% | 5,868 |
| Loan and lease loss provision to assets | 0.6729% | 1,878 |
| Net operating income to assets | 0.1793% | 5,718 |
| Return on assets (ROA) | 0.3364% | 5,317 |
| Pretax return on assets | 0.4916% | 5,103 |
| Return on Equity (ROE) | 4.3608% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.3608% | 3,494 |
| Net charge-offs to loans | 0.8963% | 1,464 |
| Credit loss provision to net charge-offs | 98.7492% | 3,828 |
| Earnings coverage of net charge-offs (x) | 1.3700% | 4,050 |
| Efficiency ratio | 72.6987% | 4,062 |
| Assets per employee ($millions) | 5.4676% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 2,771 |
| Loan loss allowance to noncurrent loans | 49.6938% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 2.4278% | 2,362 |
| Noncurrent loans to loans | 3.0961% | 2,091 |
| Net loans and leases to total assets | 74.4673% | 2,628 |
| Net loans and leases to deposits | 93.0136% | 2,433 |
| Net loans and leases to core deposits | 111.8688% | 3,236 |
| Total domestic deposits to total assets | 80.0606% | 5,346 |
| Equity capital to assets | 7.7653% | 7,111 |
| Core capital (leverage) ratio | 7.7045% | 6,879 |
| Tier 1 risk-based capital ratio | 10.2343% | 6,672 |
| Total risk-based capital ratio | 12.7335% | 5,328 |
| Memoranda: | ||
| Average total assets | $891,693,000 | 791 |
| Average earning assets | $835,190,500 | 762 |
| Average equity | $68,795,500 | 976 |
| Average total loans | $677,924,000 | 731 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5531% | 2,703 |
| Cost of funding earning assets | 3.0136% | 1,827 |
| Net interest margin | 3.5395% | 5,147 |
| Noninterest income to average assets | 0.5527% | 4,209 |
| Noninterest expense to average assets | 2.7582% | 5,014 |
| Loan and lease loss provision to assets | 0.5420% | 2,659 |
| Net operating income to assets | 0.4167% | 5,087 |
| Return on assets (ROA) | 0.2494% | 5,522 |
| Pretax return on assets | 0.3318% | 5,439 |
| Return on Equity (ROE) | 3.6554% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.6554% | 2,882 |
| Net charge-offs to loans | 0.3986% | 2,821 |
| Credit loss provision to net charge-offs | 175.9875% | 2,885 |
| Earnings coverage of net charge-offs (x) | 3.5616% | 4,312 |
| Efficiency ratio | 71.4674% | 4,040 |
| Assets per employee ($millions) | 5.3751% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 2,657 |
| Loan loss allowance to noncurrent loans | 55.3495% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 2.1574% | 2,272 |
| Noncurrent loans to loans | 2.7197% | 1,993 |
| Net loans and leases to total assets | 75.2667% | 2,815 |
| Net loans and leases to deposits | 94.7069% | 2,659 |
| Net loans and leases to core deposits | 118.0021% | 2,881 |
| Total domestic deposits to total assets | 79.4733% | 5,214 |
| Equity capital to assets | 7.6657% | 7,243 |
| Core capital (leverage) ratio | 7.8816% | 6,681 |
| Tier 1 risk-based capital ratio | 9.9331% | 6,810 |
| Total risk-based capital ratio | 12.4090% | 5,474 |
| Memoranda: | ||
| Average total assets | $830,334,200 | 818 |
| Average earning assets | $774,689,200 | 799 |
| Average equity | $56,655,600 | 1,185 |
| Average total loans | $641,416,800 | 744 |