Home > Yakima Federal Savings and Loan Association > Performance and Condition Ratios
Yakima Federal Savings and Loan Association, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 4,356 |
| Cost of funding earning assets | 1.7935% | 2,464 |
| Net interest margin | 1.9839% | 4,297 |
| Noninterest income to average assets | 0.2900% | 2,950 |
| Noninterest expense to average assets | 1.3122% | 4,311 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 0.6576% | 3,209 |
| Return on assets (ROA) | 0.6576% | 3,225 |
| Pretax return on assets | 0.7816% | 3,228 |
| Return on Equity (ROE) | 2.5500% | 3,929 |
| Retained earnings to average equity (ytd only) | 2.5471% | 3,199 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 62.0654% | 2,700 |
| Assets per employee ($millions) | 15.4461% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5268% | 4,240 |
| Loan loss allowance to noncurrent loans | 192.0882% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 2,938 |
| Noncurrent loans to loans | 0.2742% | 2,520 |
| Net loans and leases to total assets | 41.1500% | 3,939 |
| Net loans and leases to deposits | 58.4044% | 3,550 |
| Net loans and leases to core deposits | 74.2251% | 3,064 |
| Total domestic deposits to total assets | 70.4600% | 4,182 |
| Equity capital to assets | 25.8908% | 189 |
| Core capital (leverage) ratio | 26.4804% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $2,035,384,500 | 586 |
| Average earning assets | $1,871,824,000 | 579 |
| Average equity | $525,453,500 | 291 |
| Average total loans | $834,945,500 | 881 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 4,385 |
| Cost of funding earning assets | 1.9441% | 2,356 |
| Net interest margin | 1.7369% | 4,342 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 1.1857% | 4,376 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.5862% | 3,271 |
| Return on assets (ROA) | 0.5862% | 3,289 |
| Pretax return on assets | 0.6709% | 3,320 |
| Return on Equity (ROE) | 2.3400% | 3,950 |
| Retained earnings to average equity (ytd only) | 2.3384% | 3,272 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 63.1804% | 2,810 |
| Assets per employee ($millions) | 15.6299% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5270% | 4,252 |
| Loan loss allowance to noncurrent loans | 182.5231% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 2,889 |
| Noncurrent loans to loans | 0.2887% | 2,398 |
| Net loans and leases to total assets | 40.4600% | 3,991 |
| Net loans and leases to deposits | 57.3301% | 3,644 |
| Net loans and leases to core deposits | 72.8481% | 3,218 |
| Total domestic deposits to total assets | 70.5700% | 4,190 |
| Equity capital to assets | 25.7408% | 189 |
| Core capital (leverage) ratio | 26.1465% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $2,065,380,800 | 571 |
| Average earning assets | $1,901,779,200 | 562 |
| Average equity | $517,787,400 | 280 |
| Average total loans | $789,859,200 | 909 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 4,416 |
| Cost of funding earning assets | 1.9442% | 2,348 |
| Net interest margin | 1.7117% | 4,376 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 1.1606% | 4,404 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.5769% | 3,284 |
| Return on assets (ROA) | 0.5769% | 3,310 |
| Pretax return on assets | 0.6596% | 3,360 |
| Return on Equity (ROE) | 2.3200% | 3,977 |
| Retained earnings to average equity (ytd only) | 2.3164% | 3,369 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 63.0316% | 2,807 |
| Assets per employee ($millions) | 15.7342% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5229% | 4,296 |
| Loan loss allowance to noncurrent loans | 351.8303% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 3,325 |
| Noncurrent loans to loans | 0.1486% | 2,943 |
| Net loans and leases to total assets | 38.7400% | 4,067 |
| Net loans and leases to deposits | 56.5085% | 3,731 |
| Net loans and leases to core deposits | 72.3841% | 3,276 |
| Total domestic deposits to total assets | 68.5500% | 4,261 |
| Equity capital to assets | 25.1909% | 182 |
| Core capital (leverage) ratio | 25.6654% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $2,073,753,750 | 558 |
| Average earning assets | $1,911,544,750 | 554 |
| Average equity | $516,478,250 | 278 |
| Average total loans | $780,714,250 | 914 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 4,430 |
| Cost of funding earning assets | 1.9111% | 2,333 |
| Net interest margin | 1.7113% | 4,393 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 1.1602% | 4,422 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.5650% | 3,272 |
| Return on assets (ROA) | 0.5650% | 3,306 |
| Pretax return on assets | 0.6611% | 3,310 |
| Return on Equity (ROE) | 2.2800% | 3,987 |
| Retained earnings to average equity (ytd only) | 2.2771% | 3,263 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 63.0751% | 2,881 |
| Assets per employee ($millions) | 16.3709% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5279% | 4,310 |
| Loan loss allowance to noncurrent loans | 323.3696% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 3,234 |
| Noncurrent loans to loans | 0.1632% | 2,852 |
| Net loans and leases to total assets | 38.0500% | 4,093 |
| Net loans and leases to deposits | 55.1498% | 3,776 |
| Net loans and leases to core deposits | 70.7746% | 3,332 |
| Total domestic deposits to total assets | 68.9900% | 4,257 |
| Equity capital to assets | 25.0490% | 187 |
| Core capital (leverage) ratio | 25.6201% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $2,072,699,000 | 564 |
| Average earning assets | $1,911,799,000 | 555 |
| Average equity | $514,239,667 | 277 |
| Average total loans | $771,369,333 | 922 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5957% | 4,446 |
| Cost of funding earning assets | 1.8674% | 2,324 |
| Net interest margin | 1.7283% | 4,415 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 1.1428% | 4,458 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.5801% | 3,199 |
| Return on assets (ROA) | 0.5801% | 3,228 |
| Pretax return on assets | 0.6962% | 3,169 |
| Return on Equity (ROE) | 2.3500% | 3,959 |
| Retained earnings to average equity (ytd only) | 2.3493% | 3,155 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 61.8333% | 3,049 |
| Assets per employee ($millions) | 16.2350% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5341% | 4,295 |
| Loan loss allowance to noncurrent loans | 456.1111% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,395 |
| Noncurrent loans to loans | 0.1171% | 3,026 |
| Net loans and leases to total assets | 36.7900% | 4,127 |
| Net loans and leases to deposits | 52.9911% | 3,818 |
| Net loans and leases to core deposits | 67.7059% | 3,444 |
| Total domestic deposits to total assets | 69.4200% | 4,301 |
| Equity capital to assets | 24.7230% | 194 |
| Core capital (leverage) ratio | 25.4201% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,077,683,500 | 571 |
| Average earning assets | $1,915,620,500 | 562 |
| Average equity | $513,012,500 | 282 |
| Average total loans | $762,538,000 | 929 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2961% | 4,451 |
| Cost of funding earning assets | 1.2198% | 2,752 |
| Net interest margin | 2.0763% | 4,388 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.1083% | 4,486 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.8413% | 2,738 |
| Return on assets (ROA) | 0.8413% | 2,717 |
| Pretax return on assets | 1.0097% | 2,658 |
| Return on Equity (ROE) | 3.3700% | 3,969 |
| Retained earnings to average equity (ytd only) | 3.3719% | 3,176 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.5729% | 3,782 |
| Assets per employee ($millions) | 16.2288% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5363% | 4,310 |
| Loan loss allowance to noncurrent loans | 451.7817% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 3,319 |
| Noncurrent loans to loans | 0.1187% | 2,929 |
| Net loans and leases to total assets | 36.2200% | 4,147 |
| Net loans and leases to deposits | 52.0899% | 3,879 |
| Net loans and leases to core deposits | 66.4254% | 3,479 |
| Total domestic deposits to total assets | 69.5400% | 4,304 |
| Equity capital to assets | 24.6601% | 198 |
| Core capital (leverage) ratio | 26.2500% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,015,179,600 | 569 |
| Average earning assets | $1,848,915,200 | 562 |
| Average equity | $502,807,800 | 261 |
| Average total loans | $725,335,200 | 926 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2715% | 4,464 |
| Cost of funding earning assets | 1.1066% | 2,722 |
| Net interest margin | 2.1650% | 4,373 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.0988% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9079% | 2,652 |
| Return on assets (ROA) | 0.9079% | 2,638 |
| Pretax return on assets | 1.0917% | 2,589 |
| Return on Equity (ROE) | 3.6300% | 4,026 |
| Retained earnings to average equity (ytd only) | 3.6279% | 3,348 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.1628% | 3,902 |
| Assets per employee ($millions) | 15.4530% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5731% | 4,299 |
| Loan loss allowance to noncurrent loans | 356.8315% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 3,215 |
| Noncurrent loans to loans | 0.1606% | 2,748 |
| Net loans and leases to total assets | 37.3400% | 4,140 |
| Net loans and leases to deposits | 50.8604% | 3,902 |
| Net loans and leases to core deposits | 64.6928% | 3,495 |
| Total domestic deposits to total assets | 73.4100% | 4,196 |
| Equity capital to assets | 25.4753% | 192 |
| Core capital (leverage) ratio | 26.2596% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,999,653,750 | 572 |
| Average earning assets | $1,833,259,250 | 567 |
| Average equity | $500,444,750 | 263 |
| Average total loans | $717,549,000 | 934 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2332% | 4,489 |
| Cost of funding earning assets | 0.9843% | 2,655 |
| Net interest margin | 2.2488% | 4,390 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.0911% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9561% | 2,559 |
| Return on assets (ROA) | 0.9561% | 2,553 |
| Pretax return on assets | 1.1813% | 2,412 |
| Return on Equity (ROE) | 3.8400% | 4,046 |
| Retained earnings to average equity (ytd only) | 3.8430% | 3,242 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.0156% | 4,068 |
| Assets per employee ($millions) | 15.5044% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5873% | 4,314 |
| Loan loss allowance to noncurrent loans | 333.3594% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,123 |
| Noncurrent loans to loans | 0.1762% | 2,599 |
| Net loans and leases to total assets | 36.3100% | 4,166 |
| Net loans and leases to deposits | 49.3720% | 3,944 |
| Net loans and leases to core deposits | 62.3264% | 3,523 |
| Total domestic deposits to total assets | 73.5400% | 4,224 |
| Equity capital to assets | 25.3786% | 193 |
| Core capital (leverage) ratio | 25.8611% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,006,878,000 | 558 |
| Average earning assets | $1,841,227,333 | 554 |
| Average equity | $499,294,333 | 259 |
| Average total loans | $709,133,333 | 929 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1726% | 4,503 |
| Cost of funding earning assets | 0.8607% | 2,507 |
| Net interest margin | 2.3119% | 4,442 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.0729% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9815% | 2,588 |
| Return on assets (ROA) | 0.9815% | 2,561 |
| Pretax return on assets | 1.2402% | 2,332 |
| Return on Equity (ROE) | 3.9800% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.9846% | 3,274 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.3839% | 4,193 |
| Assets per employee ($millions) | 15.8754% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6021% | 4,355 |
| Loan loss allowance to noncurrent loans | 362.9156% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,205 |
| Noncurrent loans to loans | 0.1659% | 2,664 |
| Net loans and leases to total assets | 34.8600% | 4,229 |
| Net loans and leases to deposits | 47.0230% | 3,995 |
| Net loans and leases to core deposits | 58.6080% | 3,603 |
| Total domestic deposits to total assets | 74.1200% | 4,281 |
| Equity capital to assets | 24.8169% | 157 |
| Core capital (leverage) ratio | 25.3065% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,018,037,000 | 573 |
| Average earning assets | $1,852,868,500 | 566 |
| Average equity | $497,114,500 | 264 |
| Average total loans | $701,286,500 | 953 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7653% | 4,356 |
| Cost of funding earning assets | 0.4193% | 1,946 |
| Net interest margin | 2.3460% | 4,398 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.1502% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9361% | 2,828 |
| Return on assets (ROA) | 0.9361% | 2,772 |
| Pretax return on assets | 1.1679% | 2,536 |
| Return on Equity (ROE) | 3.8700% | 4,181 |
| Retained earnings to average equity (ytd only) | 3.8674% | 3,442 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.6175% | 4,147 |
| Assets per employee ($millions) | 15.7804% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6120% | 4,326 |
| Loan loss allowance to noncurrent loans | 416.1290% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,297 |
| Noncurrent loans to loans | 0.1471% | 2,774 |
| Net loans and leases to total assets | 34.2200% | 4,279 |
| Net loans and leases to deposits | 46.0172% | 4,059 |
| Net loans and leases to core deposits | 56.8151% | 3,687 |
| Total domestic deposits to total assets | 74.3700% | 4,342 |
| Equity capital to assets | 24.4506% | 158 |
| Core capital (leverage) ratio | 25.0355% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,024,145,400 | 543 |
| Average earning assets | $1,858,945,200 | 538 |
| Average equity | $489,971,200 | 268 |
| Average total loans | $655,194,000 | 961 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6540% | 4,337 |
| Cost of funding earning assets | 0.3556% | 1,657 |
| Net interest margin | 2.2984% | 4,407 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.1508% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9241% | 2,779 |
| Return on assets (ROA) | 0.9241% | 2,747 |
| Pretax return on assets | 1.1357% | 2,611 |
| Return on Equity (ROE) | 3.8300% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.8273% | 3,503 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.3311% | 4,139 |
| Assets per employee ($millions) | 16.1123% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6296% | 4,351 |
| Loan loss allowance to noncurrent loans | 536.1461% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,517 |
| Noncurrent loans to loans | 0.1174% | 3,058 |
| Net loans and leases to total assets | 33.3600% | 4,328 |
| Net loans and leases to deposits | 44.7337% | 4,083 |
| Net loans and leases to core deposits | 53.9877% | 3,746 |
| Total domestic deposits to total assets | 74.5800% | 4,435 |
| Equity capital to assets | 24.2473% | 146 |
| Core capital (leverage) ratio | 24.8898% | 153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,025,207,500 | 544 |
| Average earning assets | $1,860,544,250 | 537 |
| Average equity | $488,994,750 | 271 |
| Average total loans | $645,102,250 | 971 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5469% | 4,335 |
| Cost of funding earning assets | 0.3285% | 1,452 |
| Net interest margin | 2.2184% | 4,407 |
| Noninterest income to average assets | 0.1804% | 4,101 |
| Noninterest expense to average assets | 1.1357% | 4,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8834% | 2,656 |
| Return on assets (ROA) | 0.8834% | 2,630 |
| Pretax return on assets | 1.0856% | 2,457 |
| Return on Equity (ROE) | 3.6639% | 4,105 |
| Retained earnings to average equity (ytd only) | 3.6639% | 3,218 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1272% | 4,182 |
| Assets per employee ($millions) | 15.9579% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6514% | 4,409 |
| Loan loss allowance to noncurrent loans | 579.9728% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,616 |
| Noncurrent loans to loans | 0.1123% | 3,182 |
| Net loans and leases to total assets | 32.2904% | 4,395 |
| Net loans and leases to deposits | 43.3289% | 4,142 |
| Net loans and leases to core deposits | 52.0069% | 3,821 |
| Total domestic deposits to total assets | 74.5240% | 4,520 |
| Equity capital to assets | 24.2873% | 102 |
| Core capital (leverage) ratio | 24.6139% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,028,931,667 | 542 |
| Average earning assets | $1,866,597,667 | 539 |
| Average equity | $489,209,667 | 270 |
| Average total loans | $634,742,000 | 977 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4212% | 4,352 |
| Cost of funding earning assets | 0.3318% | 1,358 |
| Net interest margin | 2.0893% | 4,454 |
| Noninterest income to average assets | 0.2139% | 3,876 |
| Noninterest expense to average assets | 1.1034% | 4,692 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8498% | 2,486 |
| Return on assets (ROA) | 0.8498% | 2,476 |
| Pretax return on assets | 1.0345% | 2,340 |
| Return on Equity (ROE) | 3.5373% | 3,988 |
| Retained earnings to average equity (ytd only) | 3.5373% | 3,106 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6111% | 4,221 |
| Assets per employee ($millions) | 16.0733% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6815% | 4,418 |
| Loan loss allowance to noncurrent loans | 573.7197% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,675 |
| Noncurrent loans to loans | 0.1188% | 3,232 |
| Net loans and leases to total assets | 30.3935% | 4,436 |
| Net loans and leases to deposits | 40.5573% | 4,225 |
| Net loans and leases to core deposits | 48.1266% | 3,976 |
| Total domestic deposits to total assets | 74.9398% | 4,541 |
| Equity capital to assets | 23.9363% | 96 |
| Core capital (leverage) ratio | 24.3011% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,038,050,500 | 544 |
| Average earning assets | $1,876,776,500 | 545 |
| Average equity | $489,642,500 | 276 |
| Average total loans | $625,353,500 | 983 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2015% | 4,623 |
| Cost of funding earning assets | 0.4386% | 1,267 |
| Net interest margin | 1.7628% | 4,674 |
| Noninterest income to average assets | 0.2442% | 3,914 |
| Noninterest expense to average assets | 1.1345% | 4,733 |
| Loan and lease loss provision to assets | 0.0060% | 2,955 |
| Net operating income to assets | 0.6090% | 3,853 |
| Return on assets (ROA) | 0.6090% | 3,899 |
| Pretax return on assets | 0.7246% | 3,876 |
| Return on Equity (ROE) | 2.5203% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.5203% | 3,825 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8294% | 3,019 |
| Assets per employee ($millions) | 15.7735% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6800% | 4,456 |
| Loan loss allowance to noncurrent loans | 451.4316% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 3,669 |
| Noncurrent loans to loans | 0.1506% | 3,183 |
| Net loans and leases to total assets | 30.5568% | 4,491 |
| Net loans and leases to deposits | 40.9035% | 4,311 |
| Net loans and leases to core deposits | 48.6025% | 4,071 |
| Total domestic deposits to total assets | 74.7047% | 4,566 |
| Equity capital to assets | 24.1141% | 107 |
| Core capital (leverage) ratio | 24.2467% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,006,659,400 | 527 |
| Average earning assets | $1,845,030,600 | 535 |
| Average equity | $484,867,000 | 277 |
| Average total loans | $632,598,200 | 959 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1521% | 4,728 |
| Cost of funding earning assets | 0.4622% | 1,274 |
| Net interest margin | 1.6899% | 4,772 |
| Noninterest income to average assets | 0.2410% | 3,953 |
| Noninterest expense to average assets | 1.1441% | 4,805 |
| Loan and lease loss provision to assets | 0.0060% | 2,854 |
| Net operating income to assets | 0.5430% | 4,116 |
| Return on assets (ROA) | 0.5430% | 4,160 |
| Pretax return on assets | 0.6437% | 4,169 |
| Return on Equity (ROE) | 2.2459% | 4,556 |
| Retained earnings to average equity (ytd only) | 2.2459% | 4,123 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7796% | 2,420 |
| Assets per employee ($millions) | 15.5677% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6808% | 4,531 |
| Loan loss allowance to noncurrent loans | 655.3488% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,954 |
| Noncurrent loans to loans | 0.1039% | 3,569 |
| Net loans and leases to total assets | 30.0079% | 4,590 |
| Net loans and leases to deposits | 41.1019% | 4,410 |
| Net loans and leases to core deposits | 48.8748% | 4,197 |
| Total domestic deposits to total assets | 73.0085% | 4,669 |
| Equity capital to assets | 23.7034% | 114 |
| Core capital (leverage) ratio | 24.2757% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,999,627,500 | 531 |
| Average earning assets | $1,837,387,000 | 542 |
| Average equity | $483,416,250 | 275 |
| Average total loans | $634,242,000 | 971 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1459% | 4,779 |
| Cost of funding earning assets | 0.4873% | 1,279 |
| Net interest margin | 1.6586% | 4,813 |
| Noninterest income to average assets | 0.2420% | 3,950 |
| Noninterest expense to average assets | 1.1492% | 4,838 |
| Loan and lease loss provision to assets | 0.0061% | 2,780 |
| Net operating income to assets | 0.5141% | 4,193 |
| Return on assets (ROA) | 0.5141% | 4,232 |
| Pretax return on assets | 0.6096% | 4,218 |
| Return on Equity (ROE) | 2.1124% | 4,585 |
| Retained earnings to average equity (ytd only) | 2.1124% | 4,090 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1147% | 2,283 |
| Assets per employee ($millions) | 16.1364% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 4,579 |
| Loan loss allowance to noncurrent loans | 717.4359% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 4,064 |
| Noncurrent loans to loans | 0.0936% | 3,707 |
| Net loans and leases to total assets | 31.0333% | 4,621 |
| Net loans and leases to deposits | 41.5226% | 4,474 |
| Net loans and leases to core deposits | 49.6440% | 4,248 |
| Total domestic deposits to total assets | 74.7385% | 4,629 |
| Equity capital to assets | 24.2193% | 105 |
| Core capital (leverage) ratio | 24.1982% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,981,189,333 | 532 |
| Average earning assets | $1,819,079,333 | 541 |
| Average equity | $482,191,333 | 274 |
| Average total loans | $638,699,000 | 969 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1375% | 4,808 |
| Cost of funding earning assets | 0.5068% | 1,350 |
| Net interest margin | 1.6308% | 4,860 |
| Noninterest income to average assets | 0.2254% | 4,033 |
| Noninterest expense to average assets | 1.1456% | 4,874 |
| Loan and lease loss provision to assets | 0.0061% | 2,688 |
| Net operating income to assets | 0.4783% | 4,217 |
| Return on assets (ROA) | 0.4783% | 4,253 |
| Pretax return on assets | 0.5696% | 4,244 |
| Return on Equity (ROE) | 1.9601% | 4,603 |
| Retained earnings to average equity (ytd only) | 1.9601% | 4,014 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5566% | 2,152 |
| Assets per employee ($millions) | 15.9658% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 4,623 |
| Loan loss allowance to noncurrent loans | 493.7204% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 4,074 |
| Noncurrent loans to loans | 0.1339% | 3,643 |
| Net loans and leases to total assets | 31.3762% | 4,651 |
| Net loans and leases to deposits | 41.9074% | 4,500 |
| Net loans and leases to core deposits | 50.2850% | 4,287 |
| Total domestic deposits to total assets | 74.8703% | 4,633 |
| Equity capital to assets | 24.1361% | 105 |
| Core capital (leverage) ratio | 24.4815% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,971,329,000 | 527 |
| Average earning assets | $1,808,239,000 | 539 |
| Average equity | $480,984,000 | 272 |
| Average total loans | $645,475,500 | 957 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7482% | 4,775 |
| Cost of funding earning assets | 0.7456% | 1,476 |
| Net interest margin | 2.0025% | 4,823 |
| Noninterest income to average assets | 0.2652% | 3,892 |
| Noninterest expense to average assets | 1.1639% | 4,908 |
| Loan and lease loss provision to assets | 0.0163% | 4,174 |
| Net operating income to assets | 0.7748% | 3,185 |
| Return on assets (ROA) | 0.7748% | 3,313 |
| Pretax return on assets | 0.9249% | 3,299 |
| Return on Equity (ROE) | 3.0717% | 4,361 |
| Retained earnings to average equity (ytd only) | 3.0717% | 3,315 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2904% | 4,065 |
| Assets per employee ($millions) | 15.3302% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6262% | 4,690 |
| Loan loss allowance to noncurrent loans | 407.1850% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,081 |
| Noncurrent loans to loans | 0.1538% | 3,669 |
| Net loans and leases to total assets | 33.7179% | 4,657 |
| Net loans and leases to deposits | 45.3666% | 4,486 |
| Net loans and leases to core deposits | 54.7648% | 4,220 |
| Total domestic deposits to total assets | 74.3231% | 4,618 |
| Equity capital to assets | 24.6684% | 102 |
| Core capital (leverage) ratio | 24.9238% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,875,398,200 | 504 |
| Average earning assets | $1,722,974,000 | 508 |
| Average equity | $473,031,200 | 269 |
| Average total loans | $690,752,200 | 878 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8766% | 4,802 |
| Cost of funding earning assets | 0.7967% | 1,515 |
| Net interest margin | 2.0799% | 4,860 |
| Noninterest income to average assets | 0.2613% | 3,908 |
| Noninterest expense to average assets | 1.1724% | 4,943 |
| Loan and lease loss provision to assets | 0.0198% | 4,088 |
| Net operating income to assets | 0.8139% | 3,039 |
| Return on assets (ROA) | 0.8139% | 3,160 |
| Pretax return on assets | 0.9810% | 3,128 |
| Return on Equity (ROE) | 3.2083% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.2083% | 3,432 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9503% | 4,154 |
| Assets per employee ($millions) | 15.2182% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5939% | 4,736 |
| Loan loss allowance to noncurrent loans | 381.3370% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 4,157 |
| Noncurrent loans to loans | 0.1557% | 3,765 |
| Net loans and leases to total assets | 35.8522% | 4,687 |
| Net loans and leases to deposits | 49.1447% | 4,514 |
| Net loans and leases to core deposits | 59.8998% | 4,209 |
| Total domestic deposits to total assets | 72.9524% | 4,638 |
| Equity capital to assets | 24.8835% | 104 |
| Core capital (leverage) ratio | 24.9983% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,857,514,500 | 499 |
| Average earning assets | $1,707,494,000 | 503 |
| Average equity | $471,219,500 | 267 |
| Average total loans | $698,290,000 | 864 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9851% | 4,848 |
| Cost of funding earning assets | 0.8360% | 1,650 |
| Net interest margin | 2.1491% | 4,902 |
| Noninterest income to average assets | 0.1731% | 4,426 |
| Noninterest expense to average assets | 1.1703% | 4,979 |
| Loan and lease loss provision to assets | 0.0267% | 3,918 |
| Net operating income to assets | 0.7561% | 3,199 |
| Return on assets (ROA) | 0.7561% | 3,315 |
| Pretax return on assets | 0.9519% | 3,171 |
| Return on Equity (ROE) | 2.9609% | 4,363 |
| Retained earnings to average equity (ytd only) | 2.9609% | 3,407 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4598% | 4,122 |
| Assets per employee ($millions) | 15.0098% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5820% | 4,763 |
| Loan loss allowance to noncurrent loans | 453.5039% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 4,292 |
| Noncurrent loans to loans | 0.1283% | 3,948 |
| Net loans and leases to total assets | 36.8264% | 4,702 |
| Net loans and leases to deposits | 50.5835% | 4,509 |
| Net loans and leases to core deposits | 61.8975% | 4,179 |
| Total domestic deposits to total assets | 72.8033% | 4,662 |
| Equity capital to assets | 25.0115% | 102 |
| Core capital (leverage) ratio | 25.3762% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,837,521,333 | 498 |
| Average earning assets | $1,689,328,667 | 499 |
| Average equity | $469,246,000 | 269 |
| Average total loans | $700,529,667 | 855 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1084% | 4,911 |
| Cost of funding earning assets | 0.8614% | 2,051 |
| Net interest margin | 2.2470% | 4,941 |
| Noninterest income to average assets | 0.1438% | 4,646 |
| Noninterest expense to average assets | 1.1739% | 5,031 |
| Loan and lease loss provision to assets | 0.0066% | 3,671 |
| Net operating income to assets | 0.8066% | 2,887 |
| Return on assets (ROA) | 0.8066% | 2,975 |
| Pretax return on assets | 1.0268% | 2,754 |
| Return on Equity (ROE) | 3.1248% | 4,185 |
| Retained earnings to average equity (ytd only) | 3.1248% | 3,027 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1825% | 4,455 |
| Assets per employee ($millions) | 13.9078% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5517% | 4,828 |
| Loan loss allowance to noncurrent loans | 330.0855% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 4,282 |
| Noncurrent loans to loans | 0.1671% | 3,866 |
| Net loans and leases to total assets | 38.2080% | 4,723 |
| Net loans and leases to deposits | 52.2600% | 4,507 |
| Net loans and leases to core deposits | 64.4304% | 4,152 |
| Total domestic deposits to total assets | 73.1113% | 4,719 |
| Equity capital to assets | 25.7764% | 102 |
| Core capital (leverage) ratio | 25.9048% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,810,662,500 | 486 |
| Average earning assets | $1,662,832,000 | 491 |
| Average equity | $467,355,000 | 271 |
| Average total loans | $700,518,000 | 839 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2945% | 4,971 |
| Cost of funding earning assets | 0.7994% | 2,683 |
| Net interest margin | 2.4950% | 4,971 |
| Noninterest income to average assets | 0.3161% | 3,805 |
| Noninterest expense to average assets | 1.1954% | 5,097 |
| Loan and lease loss provision to assets | 0.0066% | 3,872 |
| Net operating income to assets | 1.1597% | 2,219 |
| Return on assets (ROA) | 1.1597% | 2,312 |
| Pretax return on assets | 1.4146% | 2,101 |
| Return on Equity (ROE) | 4.6242% | 4,313 |
| Retained earnings to average equity (ytd only) | 4.6242% | 2,630 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6854% | 4,924 |
| Assets per employee ($millions) | 13.7359% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5466% | 4,824 |
| Loan loss allowance to noncurrent loans | 277.2793% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 4,256 |
| Noncurrent loans to loans | 0.1971% | 3,749 |
| Net loans and leases to total assets | 38.7474% | 4,779 |
| Net loans and leases to deposits | 53.0786% | 4,567 |
| Net loans and leases to core deposits | 65.1952% | 4,220 |
| Total domestic deposits to total assets | 73.0001% | 4,829 |
| Equity capital to assets | 25.8465% | 116 |
| Core capital (leverage) ratio | 25.9321% | 112 |
| Tier 1 risk-based capital ratio | 69.2234% | 69 |
| Total risk-based capital ratio | 69.7950% | 69 |
| Memoranda: | ||
| Average total assets | $1,815,319,200 | 465 |
| Average earning assets | $1,673,796,000 | 461 |
| Average equity | $455,260,000 | 265 |
| Average total loans | $681,326,600 | 827 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 5,053 |
| Cost of funding earning assets | 0.7789% | 2,823 |
| Net interest margin | 2.5482% | 5,037 |
| Noninterest income to average assets | 0.3330% | 3,750 |
| Noninterest expense to average assets | 1.1726% | 5,174 |
| Loan and lease loss provision to assets | 0.0066% | 3,751 |
| Net operating income to assets | 1.2281% | 2,098 |
| Return on assets (ROA) | 1.2281% | 2,175 |
| Pretax return on assets | 1.5059% | 1,936 |
| Return on Equity (ROE) | 4.9345% | 4,346 |
| Retained earnings to average equity (ytd only) | 4.9345% | 2,920 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6705% | 5,029 |
| Assets per employee ($millions) | 13.7602% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5544% | 4,888 |
| Loan loss allowance to noncurrent loans | 232.2541% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 4,264 |
| Noncurrent loans to loans | 0.2387% | 3,687 |
| Net loans and leases to total assets | 37.8316% | 4,872 |
| Net loans and leases to deposits | 52.1879% | 4,700 |
| Net loans and leases to core deposits | 63.6734% | 4,388 |
| Total domestic deposits to total assets | 72.4911% | 4,895 |
| Equity capital to assets | 25.5713% | 119 |
| Core capital (leverage) ratio | 25.7749% | 112 |
| Tier 1 risk-based capital ratio | 68.4456% | 74 |
| Total risk-based capital ratio | 69.0117% | 75 |
| Memoranda: | ||
| Average total assets | $1,819,298,750 | 468 |
| Average earning assets | $1,679,256,000 | 463 |
| Average equity | $452,804,250 | 269 |
| Average total loans | $676,394,750 | 833 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3550% | 5,103 |
| Cost of funding earning assets | 0.7496% | 2,896 |
| Net interest margin | 2.6053% | 5,071 |
| Noninterest income to average assets | 0.4327% | 3,049 |
| Noninterest expense to average assets | 1.1767% | 5,229 |
| Loan and lease loss provision to assets | 0.0066% | 3,599 |
| Net operating income to assets | 1.3709% | 1,514 |
| Return on assets (ROA) | 1.3709% | 1,570 |
| Pretax return on assets | 1.6594% | 1,369 |
| Return on Equity (ROE) | 5.5584% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,492 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3949% | 5,134 |
| Assets per employee ($millions) | 13.4179% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5550% | 4,945 |
| Loan loss allowance to noncurrent loans | 333.2155% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 4,438 |
| Noncurrent loans to loans | 0.1666% | 3,956 |
| Net loans and leases to total assets | 37.8738% | 4,919 |
| Net loans and leases to deposits | 51.7371% | 4,750 |
| Net loans and leases to core deposits | 62.8261% | 4,467 |
| Total domestic deposits to total assets | 73.2044% | 4,887 |
| Equity capital to assets | 25.5820% | 116 |
| Core capital (leverage) ratio | 25.5285% | 111 |
| Tier 1 risk-based capital ratio | 68.1608% | 72 |
| Total risk-based capital ratio | 68.7252% | 75 |
| Memoranda: | ||
| Average total assets | $1,824,868,330 | 461 |
| Average earning assets | $1,688,072,670 | 457 |
| Average equity | $450,090,330 | 267 |
| Average total loans | $673,276,000 | 840 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 5,147 |
| Cost of funding earning assets | 0.7029% | 3,037 |
| Net interest margin | 2.6524% | 5,099 |
| Noninterest income to average assets | 0.5689% | 2,189 |
| Noninterest expense to average assets | 1.1670% | 5,289 |
| Loan and lease loss provision to assets | 0.0065% | 3,346 |
| Net operating income to assets | 1.5497% | 1,008 |
| Return on assets (ROA) | 1.5497% | 1,035 |
| Pretax return on assets | 1.8571% | 865 |
| Return on Equity (ROE) | 6.3983% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.3983% | 2,278 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5078% | 5,236 |
| Assets per employee ($millions) | 13.7350% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5571% | 5,012 |
| Loan loss allowance to noncurrent loans | 379.1287% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 4,544 |
| Noncurrent loans to loans | 0.1469% | 4,072 |
| Net loans and leases to total assets | 37.1255% | 4,981 |
| Net loans and leases to deposits | 50.3257% | 4,806 |
| Net loans and leases to core deposits | 60.7578% | 4,542 |
| Total domestic deposits to total assets | 73.7706% | 4,950 |
| Equity capital to assets | 25.0494% | 116 |
| Core capital (leverage) ratio | 25.0204% | 113 |
| Tier 1 risk-based capital ratio | 66.9939% | 70 |
| Total risk-based capital ratio | 67.5508% | 71 |
| Memoranda: | ||
| Average total assets | $1,845,015,000 | 463 |
| Average earning assets | $1,712,437,000 | 455 |
| Average equity | $446,870,500 | 270 |
| Average total loans | $670,084,500 | 841 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2327% | 5,126 |
| Cost of funding earning assets | 0.6012% | 2,706 |
| Net interest margin | 2.6315% | 5,139 |
| Noninterest income to average assets | 0.3053% | 4,070 |
| Noninterest expense to average assets | 1.3197% | 5,294 |
| Loan and lease loss provision to assets | 0.0066% | 3,986 |
| Net operating income to assets | 1.1753% | 2,286 |
| Return on assets (ROA) | 1.1753% | 2,274 |
| Pretax return on assets | 1.4202% | 2,071 |
| Return on Equity (ROE) | 4.9203% | 4,473 |
| Retained earnings to average equity (ytd only) | 4.9203% | 2,810 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0493% | 5,042 |
| Assets per employee ($millions) | 14.3238% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5553% | 5,051 |
| Loan loss allowance to noncurrent loans | 319.1745% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 4,533 |
| Noncurrent loans to loans | 0.1740% | 3,970 |
| Net loans and leases to total assets | 35.1565% | 5,093 |
| Net loans and leases to deposits | 46.6045% | 4,971 |
| Net loans and leases to core deposits | 54.6924% | 4,827 |
| Total domestic deposits to total assets | 75.4359% | 4,824 |
| Equity capital to assets | 23.4315% | 139 |
| Core capital (leverage) ratio | 25.0074% | 114 |
| Tier 1 risk-based capital ratio | 64.4934% | 81 |
| Total risk-based capital ratio | 65.0339% | 81 |
| Memoranda: | ||
| Average total assets | $1,808,584,600 | 455 |
| Average earning assets | $1,677,876,000 | 449 |
| Average equity | $432,022,200 | 271 |
| Average total loans | $662,647,000 | 828 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2037% | 5,196 |
| Cost of funding earning assets | 0.5932% | 2,523 |
| Net interest margin | 2.6105% | 5,214 |
| Noninterest income to average assets | 0.3548% | 3,758 |
| Noninterest expense to average assets | 1.3479% | 5,351 |
| Loan and lease loss provision to assets | 0.0067% | 3,839 |
| Net operating income to assets | 1.1406% | 2,488 |
| Return on assets (ROA) | 1.1406% | 2,499 |
| Pretax return on assets | 1.4195% | 2,163 |
| Return on Equity (ROE) | 4.7509% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.7509% | 3,371 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5875% | 5,025 |
| Assets per employee ($millions) | 13.5674% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5528% | 5,122 |
| Loan loss allowance to noncurrent loans | 320.4526% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 4,659 |
| Noncurrent loans to loans | 0.1725% | 4,116 |
| Net loans and leases to total assets | 37.2682% | 5,101 |
| Net loans and leases to deposits | 50.2436% | 4,945 |
| Net loans and leases to core deposits | 59.5096% | 4,722 |
| Total domestic deposits to total assets | 74.1750% | 4,961 |
| Equity capital to assets | 24.5761% | 118 |
| Core capital (leverage) ratio | 24.6736% | 115 |
| Tier 1 risk-based capital ratio | 65.9124% | 73 |
| Total risk-based capital ratio | 66.4676% | 75 |
| Memoranda: | ||
| Average total assets | $1,788,044,250 | 459 |
| Average earning assets | $1,657,092,750 | 453 |
| Average equity | $429,270,000 | 270 |
| Average total loans | $661,200,500 | 834 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1499% | 5,265 |
| Cost of funding earning assets | 0.5790% | 2,366 |
| Net interest margin | 2.5709% | 5,292 |
| Noninterest income to average assets | 0.2966% | 4,196 |
| Noninterest expense to average assets | 1.4026% | 5,391 |
| Loan and lease loss provision to assets | 0.0067% | 3,703 |
| Net operating income to assets | 0.9898% | 3,065 |
| Return on assets (ROA) | 0.9898% | 3,070 |
| Pretax return on assets | 1.2689% | 2,634 |
| Return on Equity (ROE) | 4.1555% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.1555% | 3,533 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3716% | 4,850 |
| Assets per employee ($millions) | 13.7355% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5517% | 5,193 |
| Loan loss allowance to noncurrent loans | 224.4622% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 4,536 |
| Noncurrent loans to loans | 0.2458% | 3,820 |
| Net loans and leases to total assets | 36.8681% | 5,154 |
| Net loans and leases to deposits | 49.3874% | 4,995 |
| Net loans and leases to core deposits | 58.6575% | 4,759 |
| Total domestic deposits to total assets | 74.6509% | 4,985 |
| Equity capital to assets | 24.1176% | 127 |
| Core capital (leverage) ratio | 24.2777% | 121 |
| Tier 1 risk-based capital ratio | 62.1108% | 85 |
| Total risk-based capital ratio | 62.6374% | 86 |
| Memoranda: | ||
| Average total assets | $1,791,614,670 | 458 |
| Average earning assets | $1,659,719,330 | 447 |
| Average equity | $426,760,330 | 268 |
| Average total loans | $659,580,000 | 836 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1166% | 5,303 |
| Cost of funding earning assets | 0.5637% | 2,288 |
| Net interest margin | 2.5529% | 5,353 |
| Noninterest income to average assets | 0.1698% | 5,006 |
| Noninterest expense to average assets | 1.1869% | 5,522 |
| Loan and lease loss provision to assets | 0.0067% | 3,420 |
| Net operating income to assets | 1.0623% | 2,596 |
| Return on assets (ROA) | 1.0623% | 2,606 |
| Pretax return on assets | 1.3422% | 2,214 |
| Return on Equity (ROE) | 4.4876% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.4876% | 3,404 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8050% | 5,239 |
| Assets per employee ($millions) | 13.9822% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5501% | 5,262 |
| Loan loss allowance to noncurrent loans | 209.7279% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 4,585 |
| Noncurrent loans to loans | 0.2623% | 3,825 |
| Net loans and leases to total assets | 36.5837% | 5,189 |
| Net loans and leases to deposits | 48.8087% | 5,015 |
| Net loans and leases to core deposits | 57.9085% | 4,759 |
| Total domestic deposits to total assets | 74.9533% | 5,069 |
| Equity capital to assets | 23.8545% | 124 |
| Core capital (leverage) ratio | 23.7385% | 124 |
| Tier 1 risk-based capital ratio | 61.6301% | 82 |
| Total risk-based capital ratio | 62.1533% | 84 |
| Memoranda: | ||
| Average total assets | $1,794,613,000 | 456 |
| Average earning assets | $1,663,199,500 | 449 |
| Average equity | $424,816,000 | 272 |
| Average total loans | $658,382,000 | 833 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9607% | 5,379 |
| Cost of funding earning assets | 0.5486% | 1,961 |
| Net interest margin | 2.4121% | 5,457 |
| Noninterest income to average assets | 0.1658% | 5,132 |
| Noninterest expense to average assets | 1.0386% | 5,609 |
| Loan and lease loss provision to assets | 0.0066% | 4,134 |
| Net operating income to assets | 0.8051% | 3,134 |
| Return on assets (ROA) | 0.8051% | 3,177 |
| Pretax return on assets | 1.3550% | 2,150 |
| Return on Equity (ROE) | 3.5190% | 4,681 |
| Retained earnings to average equity (ytd only) | 3.5190% | 3,170 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2724% | 5,472 |
| Assets per employee ($millions) | 14.1693% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5456% | 5,330 |
| Loan loss allowance to noncurrent loans | 144.3150% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 4,447 |
| Noncurrent loans to loans | 0.3780% | 3,403 |
| Net loans and leases to total assets | 36.3880% | 5,274 |
| Net loans and leases to deposits | 48.3426% | 5,115 |
| Net loans and leases to core deposits | 57.2089% | 4,888 |
| Total domestic deposits to total assets | 75.2710% | 5,060 |
| Equity capital to assets | 23.4899% | 124 |
| Core capital (leverage) ratio | 23.4529% | 118 |
| Tier 1 risk-based capital ratio | 60.1450% | 84 |
| Total risk-based capital ratio | 60.6571% | 85 |
| Memoranda: | ||
| Average total assets | $1,817,310,600 | 438 |
| Average earning assets | $1,683,437,600 | 433 |
| Average equity | $415,771,200 | 261 |
| Average total loans | $653,580,600 | 802 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9407% | 5,451 |
| Cost of funding earning assets | 0.5432% | 1,942 |
| Net interest margin | 2.3974% | 5,528 |
| Noninterest income to average assets | 0.1402% | 5,309 |
| Noninterest expense to average assets | 0.9950% | 5,677 |
| Loan and lease loss provision to assets | 0.0066% | 3,996 |
| Net operating income to assets | 0.9128% | 2,958 |
| Return on assets (ROA) | 0.9128% | 3,019 |
| Pretax return on assets | 1.3596% | 2,241 |
| Return on Equity (ROE) | 4.0163% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.0163% | 3,532 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1394% | 5,531 |
| Assets per employee ($millions) | 14.1889% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5428% | 5,414 |
| Loan loss allowance to noncurrent loans | 157.1933% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 4,622 |
| Noncurrent loans to loans | 0.3453% | 3,710 |
| Net loans and leases to total assets | 35.9358% | 5,351 |
| Net loans and leases to deposits | 47.5502% | 5,203 |
| Net loans and leases to core deposits | 56.2478% | 4,992 |
| Total domestic deposits to total assets | 75.5744% | 5,066 |
| Equity capital to assets | 23.1739% | 128 |
| Core capital (leverage) ratio | 23.2005% | 121 |
| Tier 1 risk-based capital ratio | 59.6227% | 86 |
| Total risk-based capital ratio | 60.1287% | 86 |
| Memoranda: | ||
| Average total assets | $1,821,763,250 | 442 |
| Average earning assets | $1,687,640,750 | 439 |
| Average equity | $414,038,750 | 258 |
| Average total loans | $652,377,250 | 804 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9254% | 5,489 |
| Cost of funding earning assets | 0.5367% | 1,865 |
| Net interest margin | 2.3887% | 5,575 |
| Noninterest income to average assets | 0.0110% | 5,712 |
| Noninterest expense to average assets | 0.9820% | 5,734 |
| Loan and lease loss provision to assets | 0.0066% | 3,791 |
| Net operating income to assets | 0.7852% | 3,460 |
| Return on assets (ROA) | 0.7852% | 3,518 |
| Pretax return on assets | 1.2367% | 2,632 |
| Return on Equity (ROE) | 3.4778% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.4778% | 3,632 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1301% | 5,521 |
| Assets per employee ($millions) | 14.7903% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5398% | 5,471 |
| Loan loss allowance to noncurrent loans | 150.7469% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 4,673 |
| Noncurrent loans to loans | 0.3581% | 3,746 |
| Net loans and leases to total assets | 35.7743% | 5,385 |
| Net loans and leases to deposits | 47.0765% | 5,244 |
| Net loans and leases to core deposits | 54.9281% | 5,047 |
| Total domestic deposits to total assets | 75.9920% | 5,096 |
| Equity capital to assets | 22.8502% | 129 |
| Core capital (leverage) ratio | 22.8320% | 126 |
| Tier 1 risk-based capital ratio | 59.1429% | 88 |
| Total risk-based capital ratio | 59.6470% | 88 |
| Memoranda: | ||
| Average total assets | $1,823,626,330 | 445 |
| Average earning assets | $1,690,462,330 | 441 |
| Average equity | $411,759,000 | 260 |
| Average total loans | $651,097,000 | 809 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8810% | 5,552 |
| Cost of funding earning assets | 0.5355% | 1,820 |
| Net interest margin | 2.3455% | 5,638 |
| Noninterest income to average assets | -0.3163% | 5,846 |
| Noninterest expense to average assets | 0.9793% | 5,807 |
| Loan and lease loss provision to assets | 0.0066% | 3,478 |
| Net operating income to assets | 0.4347% | 4,842 |
| Return on assets (ROA) | 0.4347% | 4,862 |
| Pretax return on assets | 0.8702% | 3,867 |
| Return on Equity (ROE) | 1.9366% | 5,346 |
| Retained earnings to average equity (ytd only) | 1.9366% | 4,353 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7620% | 5,226 |
| Assets per employee ($millions) | 14.6614% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5382% | 5,561 |
| Loan loss allowance to noncurrent loans | 149.1482% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 4,748 |
| Noncurrent loans to loans | 0.3608% | 3,800 |
| Net loans and leases to total assets | 35.3154% | 5,432 |
| Net loans and leases to deposits | 46.1838% | 5,296 |
| Net loans and leases to core deposits | 53.7458% | 5,073 |
| Total domestic deposits to total assets | 76.4672% | 5,178 |
| Equity capital to assets | 22.4034% | 138 |
| Core capital (leverage) ratio | 22.4809% | 128 |
| Tier 1 risk-based capital ratio | 58.4276% | 89 |
| Total risk-based capital ratio | 58.9276% | 89 |
| Memoranda: | ||
| Average total assets | $1,825,836,500 | 451 |
| Average earning assets | $1,691,050,500 | 443 |
| Average equity | $409,792,000 | 261 |
| Average total loans | $649,475,000 | 812 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8858% | 5,587 |
| Cost of funding earning assets | 0.5468% | 1,719 |
| Net interest margin | 2.3390% | 5,691 |
| Noninterest income to average assets | -0.0109% | 5,870 |
| Noninterest expense to average assets | 1.0284% | 5,852 |
| Loan and lease loss provision to assets | 0.0067% | 4,229 |
| Net operating income to assets | 0.7111% | 3,735 |
| Return on assets (ROA) | 0.7111% | 3,850 |
| Pretax return on assets | 1.1300% | 2,967 |
| Return on Equity (ROE) | 3.1685% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.1685% | 3,656 |
| Net charge-offs to loans | 0.0019% | 4,211 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 1,701.0000% | 31 |
| Efficiency ratio | 47.5000% | 5,595 |
| Assets per employee ($millions) | 13.9923% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5356% | 5,620 |
| Loan loss allowance to noncurrent loans | 147.2434% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 4,765 |
| Noncurrent loans to loans | 0.3638% | 3,819 |
| Net loans and leases to total assets | 35.4458% | 5,504 |
| Net loans and leases to deposits | 46.4827% | 5,351 |
| Net loans and leases to core deposits | 54.1370% | 5,146 |
| Total domestic deposits to total assets | 76.2560% | 5,218 |
| Equity capital to assets | 22.4850% | 137 |
| Core capital (leverage) ratio | 22.7334% | 124 |
| Tier 1 risk-based capital ratio | 58.4124% | 90 |
| Total risk-based capital ratio | 58.9104% | 95 |
| Memoranda: | ||
| Average total assets | $1,795,749,400 | 431 |
| Average earning assets | $1,670,589,200 | 427 |
| Average equity | $402,992,400 | 254 |
| Average total loans | $639,043,800 | 779 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9294% | 5,632 |
| Cost of funding earning assets | 0.5477% | 1,722 |
| Net interest margin | 2.3817% | 5,729 |
| Noninterest income to average assets | -0.0224% | 5,943 |
| Noninterest expense to average assets | 1.0592% | 5,915 |
| Loan and lease loss provision to assets | 0.0067% | 4,093 |
| Net operating income to assets | 0.7001% | 3,844 |
| Return on assets (ROA) | 0.7001% | 3,977 |
| Pretax return on assets | 1.1281% | 3,121 |
| Return on Equity (ROE) | 3.1213% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.1213% | 4,046 |
| Net charge-offs to loans | 0.0025% | 3,850 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 1,269.5519% | 50 |
| Efficiency ratio | 48.2770% | 5,582 |
| Assets per employee ($millions) | 13.9115% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5389% | 5,689 |
| Loan loss allowance to noncurrent loans | 161.9765% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 4,927 |
| Noncurrent loans to loans | 0.3327% | 4,062 |
| Net loans and leases to total assets | 35.4001% | 5,571 |
| Net loans and leases to deposits | 46.4764% | 5,443 |
| Net loans and leases to core deposits | 54.5387% | 5,206 |
| Total domestic deposits to total assets | 76.1679% | 5,218 |
| Equity capital to assets | 22.6067% | 146 |
| Core capital (leverage) ratio | 22.6939% | 129 |
| Tier 1 risk-based capital ratio | 58.6832% | 90 |
| Total risk-based capital ratio | 59.1834% | 92 |
| Memoranda: | ||
| Average total assets | $1,789,936,000 | 431 |
| Average earning assets | $1,665,795,500 | 429 |
| Average equity | $401,489,750 | 256 |
| Average total loans | $636,746,500 | 780 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9615% | 5,678 |
| Cost of funding earning assets | 0.5473% | 1,717 |
| Net interest margin | 2.4141% | 5,802 |
| Noninterest income to average assets | 0.1617% | 5,511 |
| Noninterest expense to average assets | 1.0730% | 5,991 |
| Loan and lease loss provision to assets | 0.0067% | 3,933 |
| Net operating income to assets | 0.8944% | 2,890 |
| Return on assets (ROA) | 0.8944% | 3,013 |
| Pretax return on assets | 1.3308% | 2,284 |
| Return on Equity (ROE) | 3.9978% | 4,913 |
| Retained earnings to average equity (ytd only) | 3.9978% | 3,359 |
| Net charge-offs to loans | 0.0038% | 3,572 |
| Credit loss provision to net charge-offs | 500.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 996.6667% | 47 |
| Efficiency ratio | 44.5140% | 5,807 |
| Assets per employee ($millions) | 13.5717% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5331% | 5,762 |
| Loan loss allowance to noncurrent loans | 184.8862% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 5,096 |
| Noncurrent loans to loans | 0.2883% | 4,341 |
| Net loans and leases to total assets | 35.8201% | 5,615 |
| Net loans and leases to deposits | 47.0402% | 5,459 |
| Net loans and leases to core deposits | 55.3868% | 5,208 |
| Total domestic deposits to total assets | 76.1479% | 5,266 |
| Equity capital to assets | 22.7147% | 138 |
| Core capital (leverage) ratio | 22.6090% | 123 |
| Tier 1 risk-based capital ratio | 58.8574% | 94 |
| Total risk-based capital ratio | 59.3571% | 97 |
| Memoranda: | ||
| Average total assets | $1,788,423,000 | 431 |
| Average earning assets | $1,665,931,330 | 425 |
| Average equity | $400,122,330 | 258 |
| Average total loans | $636,087,000 | 781 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9857% | 5,698 |
| Cost of funding earning assets | 0.5468% | 1,742 |
| Net interest margin | 2.4389% | 5,855 |
| Noninterest income to average assets | 0.2074% | 5,250 |
| Noninterest expense to average assets | 1.0883% | 6,059 |
| Loan and lease loss provision to assets | 0.0067% | 3,591 |
| Net operating income to assets | 0.9422% | 2,551 |
| Return on assets (ROA) | 0.9422% | 2,664 |
| Pretax return on assets | 1.3842% | 1,947 |
| Return on Equity (ROE) | 4.2434% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.2434% | 3,357 |
| Net charge-offs to loans | 0.0076% | 2,863 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 519.7500% | 105 |
| Efficiency ratio | 43.8967% | 5,878 |
| Assets per employee ($millions) | 13.4910% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5343% | 5,830 |
| Loan loss allowance to noncurrent loans | 412.5610% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,429 |
| Noncurrent loans to loans | 0.1295% | 4,954 |
| Net loans and leases to total assets | 35.0996% | 5,671 |
| Net loans and leases to deposits | 45.8032% | 5,511 |
| Net loans and leases to core deposits | 53.6230% | 5,281 |
| Total domestic deposits to total assets | 76.6315% | 5,341 |
| Equity capital to assets | 22.2997% | 148 |
| Core capital (leverage) ratio | 22.2430% | 132 |
| Tier 1 risk-based capital ratio | 58.6500% | 93 |
| Total risk-based capital ratio | 59.1482% | 93 |
| Memoranda: | ||
| Average total assets | $1,793,690,000 | 430 |
| Average earning assets | $1,670,772,000 | 421 |
| Average equity | $398,262,000 | 259 |
| Average total loans | $634,003,000 | 780 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9512% | 5,774 |
| Cost of funding earning assets | 0.5551% | 1,719 |
| Net interest margin | 2.3961% | 5,892 |
| Noninterest income to average assets | 0.1369% | 5,726 |
| Noninterest expense to average assets | 1.0408% | 6,116 |
| Loan and lease loss provision to assets | 0.0135% | 4,137 |
| Net operating income to assets | 0.8815% | 2,974 |
| Return on assets (ROA) | 0.8815% | 3,058 |
| Pretax return on assets | 1.3152% | 2,226 |
| Return on Equity (ROE) | 4.0382% | 4,931 |
| Retained earnings to average equity (ytd only) | 4.0382% | 3,146 |
| Net charge-offs to loans | -0.0006% | 4,824 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9265% | 5,983 |
| Assets per employee ($millions) | 13.6876% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5299% | 5,897 |
| Loan loss allowance to noncurrent loans | 338.0905% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 5,419 |
| Noncurrent loans to loans | 0.1567% | 4,865 |
| Net loans and leases to total assets | 35.2168% | 5,734 |
| Net loans and leases to deposits | 45.9167% | 5,570 |
| Net loans and leases to core deposits | 53.5562% | 5,343 |
| Total domestic deposits to total assets | 76.6972% | 5,368 |
| Equity capital to assets | 22.1072% | 142 |
| Core capital (leverage) ratio | 22.1924% | 129 |
| Tier 1 risk-based capital ratio | 58.0281% | 92 |
| Total risk-based capital ratio | 58.5230% | 94 |
| Memoranda: | ||
| Average total assets | $1,779,892,600 | 410 |
| Average earning assets | $1,658,462,000 | 407 |
| Average equity | $388,510,000 | 254 |
| Average total loans | $624,357,000 | 752 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9490% | 5,849 |
| Cost of funding earning assets | 0.5556% | 1,756 |
| Net interest margin | 2.3935% | 5,980 |
| Noninterest income to average assets | 0.1370% | 5,802 |
| Noninterest expense to average assets | 1.0959% | 6,195 |
| Loan and lease loss provision to assets | 0.0135% | 4,000 |
| Net operating income to assets | 0.8357% | 3,245 |
| Return on assets (ROA) | 0.8357% | 3,328 |
| Pretax return on assets | 1.2585% | 2,562 |
| Return on Equity (ROE) | 3.8412% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.8412% | 3,738 |
| Net charge-offs to loans | -0.0006% | 4,655 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2806% | 5,953 |
| Assets per employee ($millions) | 13.6879% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5240% | 5,992 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 5,425 |
| Noncurrent loans to loans | 0.1871% | 4,899 |
| Net loans and leases to total assets | 35.2512% | 5,804 |
| Net loans and leases to deposits | 45.9078% | 5,652 |
| Net loans and leases to core deposits | 53.8116% | 5,414 |
| Total domestic deposits to total assets | 76.7870% | 5,377 |
| Equity capital to assets | 22.0326% | 156 |
| Core capital (leverage) ratio | 22.0534% | 134 |
| Tier 1 risk-based capital ratio | 60.9760% | 90 |
| Total risk-based capital ratio | 61.4927% | 91 |
| Memoranda: | ||
| Average total assets | $1,776,596,500 | 412 |
| Average earning assets | $1,655,914,500 | 405 |
| Average equity | $386,537,500 | 258 |
| Average total loans | $621,739,000 | 760 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9614% | 5,893 |
| Cost of funding earning assets | 0.5576% | 1,759 |
| Net interest margin | 2.4039% | 6,040 |
| Noninterest income to average assets | 0.2487% | 5,168 |
| Noninterest expense to average assets | 1.0920% | 6,276 |
| Loan and lease loss provision to assets | 0.0135% | 3,852 |
| Net operating income to assets | 0.9554% | 2,603 |
| Return on assets (ROA) | 0.9554% | 2,719 |
| Pretax return on assets | 1.3824% | 2,057 |
| Return on Equity (ROE) | 4.4097% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.4097% | 3,207 |
| Net charge-offs to loans | -0.0003% | 4,543 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8926% | 6,116 |
| Assets per employee ($millions) | 13.4871% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5203% | 6,067 |
| Loan loss allowance to noncurrent loans | 1,454.2601% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 5,752 |
| Noncurrent loans to loans | 0.0358% | 5,605 |
| Net loans and leases to total assets | 35.0946% | 5,861 |
| Net loans and leases to deposits | 45.6803% | 5,696 |
| Net loans and leases to core deposits | 53.4660% | 5,453 |
| Total domestic deposits to total assets | 76.8266% | 5,484 |
| Equity capital to assets | 22.0030% | 152 |
| Core capital (leverage) ratio | 21.8605% | 138 |
| Tier 1 risk-based capital ratio | 62.3475% | 94 |
| Total risk-based capital ratio | 62.8707% | 96 |
| Memoranda: | ||
| Average total assets | $1,775,654,330 | 411 |
| Average earning assets | $1,654,006,000 | 407 |
| Average equity | $384,698,670 | 260 |
| Average total loans | $618,794,670 | 766 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0290% | 5,866 |
| Cost of funding earning assets | 0.5636% | 1,720 |
| Net interest margin | 2.4654% | 6,056 |
| Noninterest income to average assets | 0.0377% | 6,258 |
| Noninterest expense to average assets | 1.0950% | 6,349 |
| Loan and lease loss provision to assets | 0.0135% | 3,548 |
| Net operating income to assets | 0.7470% | 3,556 |
| Return on assets (ROA) | 0.7470% | 3,686 |
| Pretax return on assets | 1.1916% | 2,705 |
| Return on Equity (ROE) | 3.4728% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.4728% | 3,913 |
| Net charge-offs to loans | -0.0006% | 4,315 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6070% | 6,040 |
| Assets per employee ($millions) | 13.7167% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5154% | 6,157 |
| Loan loss allowance to noncurrent loans | 313.5961% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 5,649 |
| Noncurrent loans to loans | 0.1644% | 5,180 |
| Net loans and leases to total assets | 34.4554% | 5,905 |
| Net loans and leases to deposits | 44.5323% | 5,735 |
| Net loans and leases to core deposits | 51.9344% | 5,495 |
| Total domestic deposits to total assets | 77.3717% | 5,553 |
| Equity capital to assets | 21.5414% | 167 |
| Core capital (leverage) ratio | 21.5763% | 146 |
| Tier 1 risk-based capital ratio | 59.9587% | 109 |
| Total risk-based capital ratio | 60.4581% | 111 |
| Memoranda: | ||
| Average total assets | $1,780,394,500 | 412 |
| Average earning assets | $1,633,785,500 | 412 |
| Average equity | $382,975,000 | 259 |
| Average total loans | $616,543,500 | 761 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0868% | 5,972 |
| Cost of funding earning assets | 0.5775% | 1,981 |
| Net interest margin | 2.5093% | 6,145 |
| Noninterest income to average assets | 0.1205% | 6,083 |
| Noninterest expense to average assets | 1.1294% | 6,426 |
| Loan and lease loss provision to assets | 0.0135% | 4,351 |
| Net operating income to assets | 0.8479% | 3,126 |
| Return on assets (ROA) | 0.8479% | 3,225 |
| Pretax return on assets | 1.2878% | 2,284 |
| Return on Equity (ROE) | 4.0272% | 5,103 |
| Retained earnings to average equity (ytd only) | 4.0272% | 3,343 |
| Net charge-offs to loans | 0.0140% | 4,604 |
| Credit loss provision to net charge-offs | 279.0698% | 913 |
| Earnings coverage of net charge-offs (x) | 269.0349% | 200 |
| Efficiency ratio | 46.4644% | 6,248 |
| Assets per employee ($millions) | 12.9753% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5072% | 6,250 |
| Loan loss allowance to noncurrent loans | 98.2997% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 5,316 |
| Noncurrent loans to loans | 0.5160% | 4,120 |
| Net loans and leases to total assets | 34.4497% | 6,020 |
| Net loans and leases to deposits | 44.5775% | 5,860 |
| Net loans and leases to core deposits | 52.0440% | 5,610 |
| Total domestic deposits to total assets | 77.2803% | 5,558 |
| Equity capital to assets | 21.4798% | 171 |
| Core capital (leverage) ratio | 21.1957% | 163 |
| Tier 1 risk-based capital ratio | 57.5485% | 100 |
| Total risk-based capital ratio | 58.0300% | 101 |
| Memoranda: | ||
| Average total assets | $1,777,962,400 | 407 |
| Average earning assets | $1,636,923,000 | 397 |
| Average equity | $374,351,400 | 251 |
| Average total loans | $613,836,000 | 712 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1280% | 5,989 |
| Cost of funding earning assets | 0.5769% | 2,044 |
| Net interest margin | 2.5511% | 6,184 |
| Noninterest income to average assets | 0.1468% | 6,039 |
| Noninterest expense to average assets | 1.1286% | 6,501 |
| Loan and lease loss provision to assets | 0.0136% | 4,147 |
| Net operating income to assets | 0.9210% | 2,817 |
| Return on assets (ROA) | 0.9210% | 2,914 |
| Pretax return on assets | 1.3562% | 2,167 |
| Return on Equity (ROE) | 4.3963% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.3963% | 3,521 |
| Net charge-offs to loans | 0.0189% | 4,155 |
| Credit loss provision to net charge-offs | 208.0460% | 1,230 |
| Earnings coverage of net charge-offs (x) | 209.9603% | 311 |
| Efficiency ratio | 45.1721% | 6,321 |
| Assets per employee ($millions) | 12.9685% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4997% | 6,341 |
| Loan loss allowance to noncurrent loans | 81.8230% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 5,371 |
| Noncurrent loans to loans | 0.6107% | 4,095 |
| Net loans and leases to total assets | 34.5585% | 6,094 |
| Net loans and leases to deposits | 44.6659% | 5,935 |
| Net loans and leases to core deposits | 52.1619% | 5,674 |
| Total domestic deposits to total assets | 77.3710% | 5,620 |
| Equity capital to assets | 21.4734% | 169 |
| Core capital (leverage) ratio | 21.2616% | 166 |
| Tier 1 risk-based capital ratio | 58.2214% | 98 |
| Total risk-based capital ratio | 58.6997% | 99 |
| Memoranda: | ||
| Average total assets | $1,778,048,750 | 405 |
| Average earning assets | $1,638,955,250 | 393 |
| Average equity | $372,482,000 | 247 |
| Average total loans | $613,418,750 | 713 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1730% | 5,983 |
| Cost of funding earning assets | 0.5780% | 2,091 |
| Net interest margin | 2.5950% | 6,177 |
| Noninterest income to average assets | 0.1465% | 6,085 |
| Noninterest expense to average assets | 1.1336% | 6,568 |
| Loan and lease loss provision to assets | 0.0136% | 3,990 |
| Net operating income to assets | 0.9421% | 2,584 |
| Return on assets (ROA) | 0.9421% | 2,688 |
| Pretax return on assets | 1.3884% | 1,938 |
| Return on Equity (ROE) | 4.5346% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.5346% | 3,293 |
| Net charge-offs to loans | 0.0284% | 3,626 |
| Credit loss provision to net charge-offs | 139.0805% | 1,529 |
| Earnings coverage of net charge-offs (x) | 143.6437% | 425 |
| Efficiency ratio | 44.7084% | 6,398 |
| Assets per employee ($millions) | 13.5554% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4901% | 6,425 |
| Loan loss allowance to noncurrent loans | 80.3051% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 5,422 |
| Noncurrent loans to loans | 0.6102% | 4,198 |
| Net loans and leases to total assets | 34.5805% | 6,126 |
| Net loans and leases to deposits | 44.5522% | 5,954 |
| Net loans and leases to core deposits | 51.9281% | 5,668 |
| Total domestic deposits to total assets | 77.6179% | 5,703 |
| Equity capital to assets | 21.2552% | 168 |
| Core capital (leverage) ratio | 21.1170% | 156 |
| Tier 1 risk-based capital ratio | 57.7738% | 98 |
| Total risk-based capital ratio | 58.2397% | 101 |
| Memoranda: | ||
| Average total assets | $1,782,824,330 | 400 |
| Average earning assets | $1,641,287,000 | 391 |
| Average equity | $370,399,000 | 246 |
| Average total loans | $613,699,670 | 705 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1614% | 6,053 |
| Cost of funding earning assets | 0.5822% | 2,139 |
| Net interest margin | 2.5792% | 6,262 |
| Noninterest income to average assets | 0.1379% | 6,154 |
| Noninterest expense to average assets | 1.1377% | 6,651 |
| Loan and lease loss provision to assets | 0.0134% | 3,654 |
| Net operating income to assets | 0.9200% | 2,550 |
| Return on assets (ROA) | 0.9200% | 2,626 |
| Pretax return on assets | 1.3556% | 1,895 |
| Return on Equity (ROE) | 4.4787% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.4787% | 3,433 |
| Net charge-offs to loans | 0.0566% | 2,593 |
| Credit loss provision to net charge-offs | 68.9655% | 2,014 |
| Earnings coverage of net charge-offs (x) | 70.5402% | 588 |
| Efficiency ratio | 45.3858% | 6,447 |
| Assets per employee ($millions) | 13.4822% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4788% | 6,519 |
| Loan loss allowance to noncurrent loans | 284.3327% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 6,041 |
| Noncurrent loans to loans | 0.1684% | 5,579 |
| Net loans and leases to total assets | 34.0828% | 6,177 |
| Net loans and leases to deposits | 43.6766% | 5,993 |
| Net loans and leases to core deposits | 50.7047% | 5,713 |
| Total domestic deposits to total assets | 78.0344% | 5,832 |
| Equity capital to assets | 20.6522% | 186 |
| Core capital (leverage) ratio | 20.5427% | 184 |
| Tier 1 risk-based capital ratio | 56.5058% | 105 |
| Total risk-based capital ratio | 56.9574% | 106 |
| Memoranda: | ||
| Average total assets | $1,793,135,500 | 397 |
| Average earning assets | $1,646,858,000 | 391 |
| Average equity | $368,319,000 | 246 |
| Average total loans | $614,360,000 | 703 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0619% | 6,278 |
| Cost of funding earning assets | 0.6578% | 2,145 |
| Net interest margin | 2.4040% | 6,441 |
| Noninterest income to average assets | 0.1708% | 6,063 |
| Noninterest expense to average assets | 1.0843% | 6,738 |
| Loan and lease loss provision to assets | 0.0134% | 4,855 |
| Net operating income to assets | 0.8775% | 2,897 |
| Return on assets (ROA) | 0.8775% | 2,981 |
| Pretax return on assets | 1.2804% | 2,230 |
| Return on Equity (ROE) | 4.3568% | 4,957 |
| Retained earnings to average equity (ytd only) | 4.3568% | 3,078 |
| Net charge-offs to loans | 0.0018% | 5,448 |
| Credit loss provision to net charge-offs | 2,181.8182% | 111 |
| Earnings coverage of net charge-offs (x) | 2,103.7273% | 13 |
| Efficiency ratio | 45.5928% | 6,575 |
| Assets per employee ($millions) | 13.6881% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4827% | 6,588 |
| Loan loss allowance to noncurrent loans | 195.9709% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 5,975 |
| Noncurrent loans to loans | 0.2463% | 5,443 |
| Net loans and leases to total assets | 34.1113% | 6,295 |
| Net loans and leases to deposits | 43.6239% | 6,136 |
| Net loans and leases to core deposits | 50.7369% | 5,890 |
| Total domestic deposits to total assets | 78.1942% | 5,800 |
| Equity capital to assets | 20.4288% | 191 |
| Core capital (leverage) ratio | 20.3136% | 182 |
| Tier 1 risk-based capital ratio | 55.8856% | 104 |
| Total risk-based capital ratio | 56.3415% | 106 |
| Memoranda: | ||
| Average total assets | $1,788,514,800 | 387 |
| Average earning assets | $1,642,204,000 | 382 |
| Average equity | $360,216,400 | 237 |
| Average total loans | $616,315,800 | 677 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0986% | 6,323 |
| Cost of funding earning assets | 0.6704% | 2,173 |
| Net interest margin | 2.4282% | 6,489 |
| Noninterest income to average assets | 0.1484% | 6,287 |
| Noninterest expense to average assets | 1.0620% | 6,818 |
| Loan and lease loss provision to assets | 0.0134% | 4,737 |
| Net operating income to assets | 0.8831% | 2,920 |
| Return on assets (ROA) | 0.8831% | 3,034 |
| Pretax return on assets | 1.3029% | 2,319 |
| Return on Equity (ROE) | 4.4003% | 5,025 |
| Retained earnings to average equity (ytd only) | 4.4003% | 3,541 |
| Net charge-offs to loans | 0.0024% | 5,165 |
| Credit loss provision to net charge-offs | 1,636.3636% | 198 |
| Earnings coverage of net charge-offs (x) | 1,603.7771% | 17 |
| Efficiency ratio | 44.6539% | 6,636 |
| Assets per employee ($millions) | 13.1216% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4702% | 6,677 |
| Loan loss allowance to noncurrent loans | 121.9379% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 5,990 |
| Noncurrent loans to loans | 0.3856% | 5,235 |
| Net loans and leases to total assets | 34.7346% | 6,332 |
| Net loans and leases to deposits | 44.4897% | 6,185 |
| Net loans and leases to core deposits | 51.5404% | 5,915 |
| Total domestic deposits to total assets | 78.0734% | 5,888 |
| Equity capital to assets | 20.5181% | 189 |
| Core capital (leverage) ratio | 20.3567% | 193 |
| Tier 1 risk-based capital ratio | 55.5024% | 108 |
| Total risk-based capital ratio | 55.9508% | 111 |
| Memoranda: | ||
| Average total assets | $1,787,358,250 | 387 |
| Average earning assets | $1,641,461,750 | 383 |
| Average equity | $358,691,250 | 238 |
| Average total loans | $616,737,000 | 681 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1598% | 6,277 |
| Cost of funding earning assets | 0.6843% | 2,187 |
| Net interest margin | 2.4755% | 6,471 |
| Noninterest income to average assets | 0.1475% | 6,310 |
| Noninterest expense to average assets | 1.0532% | 6,869 |
| Loan and lease loss provision to assets | 0.0134% | 4,615 |
| Net operating income to assets | 0.9161% | 2,716 |
| Return on assets (ROA) | 0.9161% | 2,857 |
| Pretax return on assets | 1.3512% | 2,116 |
| Return on Equity (ROE) | 4.5987% | 4,954 |
| Retained earnings to average equity (ytd only) | 4.5987% | 3,340 |
| Net charge-offs to loans | 0.0036% | 4,850 |
| Credit loss provision to net charge-offs | 1,090.9091% | 280 |
| Earnings coverage of net charge-offs (x) | 1,111.9091% | 27 |
| Efficiency ratio | 43.5605% | 6,719 |
| Assets per employee ($millions) | 13.6450% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4642% | 6,730 |
| Loan loss allowance to noncurrent loans | 145.4545% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 6,141 |
| Noncurrent loans to loans | 0.3191% | 5,495 |
| Net loans and leases to total assets | 34.1627% | 6,403 |
| Net loans and leases to deposits | 43.5547% | 6,253 |
| Net loans and leases to core deposits | 50.2329% | 6,014 |
| Total domestic deposits to total assets | 78.4363% | 5,888 |
| Equity capital to assets | 20.1579% | 201 |
| Core capital (leverage) ratio | 19.9753% | 194 |
| Tier 1 risk-based capital ratio | 54.8640% | 110 |
| Total risk-based capital ratio | 55.3026% | 110 |
| Memoranda: | ||
| Average total assets | $1,792,673,330 | 382 |
| Average earning assets | $1,644,048,330 | 381 |
| Average equity | $357,101,670 | 239 |
| Average total loans | $616,249,000 | 679 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 6,159 |
| Cost of funding earning assets | 0.7090% | 2,132 |
| Net interest margin | 2.5878% | 6,394 |
| Noninterest income to average assets | 0.1344% | 6,425 |
| Noninterest expense to average assets | 1.0722% | 6,943 |
| Loan and lease loss provision to assets | 0.0134% | 4,285 |
| Net operating income to assets | 0.9612% | 2,395 |
| Return on assets (ROA) | 0.9612% | 2,525 |
| Pretax return on assets | 1.4186% | 1,803 |
| Return on Equity (ROE) | 4.8541% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.8541% | 3,327 |
| Net charge-offs to loans | 0.0071% | 4,010 |
| Credit loss provision to net charge-offs | 545.4545% | 492 |
| Earnings coverage of net charge-offs (x) | 584.2727% | 55 |
| Efficiency ratio | 42.8152% | 6,813 |
| Assets per employee ($millions) | 13.7635% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4545% | 6,824 |
| Loan loss allowance to noncurrent loans | 113.3849% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 6,120 |
| Noncurrent loans to loans | 0.4009% | 5,417 |
| Net loans and leases to total assets | 33.8549% | 6,427 |
| Net loans and leases to deposits | 42.9014% | 6,278 |
| Net loans and leases to core deposits | 49.2606% | 6,016 |
| Total domestic deposits to total assets | 78.9133% | 5,977 |
| Equity capital to assets | 19.8207% | 223 |
| Core capital (leverage) ratio | 19.5967% | 212 |
| Tier 1 risk-based capital ratio | 53.8545% | 117 |
| Total risk-based capital ratio | 54.2804% | 120 |
| Memoranda: | ||
| Average total assets | $1,795,260,500 | 389 |
| Average earning assets | $1,644,027,500 | 388 |
| Average equity | $355,491,500 | 245 |
| Average total loans | $617,620,500 | 678 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9019% | 5,565 |
| Cost of funding earning assets | 0.8506% | 2,286 |
| Net interest margin | 3.0513% | 5,928 |
| Noninterest income to average assets | 0.1749% | 6,151 |
| Noninterest expense to average assets | 1.1343% | 6,989 |
| Loan and lease loss provision to assets | 0.0135% | 5,742 |
| Net operating income to assets | 1.2367% | 1,485 |
| Return on assets (ROA) | 1.2367% | 1,651 |
| Pretax return on assets | 1.8217% | 882 |
| Return on Equity (ROE) | 6.3777% | 3,972 |
| Retained earnings to average equity (ytd only) | 6.3777% | 1,888 |
| Net charge-offs to loans | 0.0073% | 5,850 |
| Credit loss provision to net charge-offs | 510.6383% | 475 |
| Earnings coverage of net charge-offs (x) | 693.1277% | 55 |
| Efficiency ratio | 38.1993% | 6,965 |
| Assets per employee ($millions) | 13.6451% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4402% | 6,872 |
| Loan loss allowance to noncurrent loans | 114.7047% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 6,192 |
| Noncurrent loans to loans | 0.3837% | 5,536 |
| Net loans and leases to total assets | 34.6464% | 6,508 |
| Net loans and leases to deposits | 43.9284% | 6,374 |
| Net loans and leases to core deposits | 50.3619% | 6,127 |
| Total domestic deposits to total assets | 78.8701% | 5,915 |
| Equity capital to assets | 19.7825% | 231 |
| Core capital (leverage) ratio | 19.5312% | 209 |
| Tier 1 risk-based capital ratio | 53.1489% | 125 |
| Total risk-based capital ratio | 53.5670% | 127 |
| Memoranda: | ||
| Average total assets | $1,775,127,800 | 388 |
| Average earning assets | $1,625,823,600 | 382 |
| Average equity | $344,215,600 | 249 |
| Average total loans | $646,054,400 | 642 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 5,336 |
| Cost of funding earning assets | 0.8745% | 2,362 |
| Net interest margin | 3.1836% | 5,738 |
| Noninterest income to average assets | 0.1895% | 6,161 |
| Noninterest expense to average assets | 1.1281% | 7,093 |
| Loan and lease loss provision to assets | 0.0135% | 5,645 |
| Net operating income to assets | 1.2860% | 1,481 |
| Return on assets (ROA) | 1.2860% | 1,619 |
| Pretax return on assets | 1.9633% | 759 |
| Return on Equity (ROE) | 6.6660% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.6660% | 2,301 |
| Net charge-offs to loans | 0.0014% | 5,759 |
| Credit loss provision to net charge-offs | 2,571.4286% | 105 |
| Earnings coverage of net charge-offs (x) | 3,754.5327% | 3 |
| Efficiency ratio | 36.3326% | 7,070 |
| Assets per employee ($millions) | 13.4858% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4248% | 6,996 |
| Loan loss allowance to noncurrent loans | 113.6763% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 6,325 |
| Noncurrent loans to loans | 0.3737% | 5,730 |
| Net loans and leases to total assets | 35.7925% | 6,562 |
| Net loans and leases to deposits | 45.4105% | 6,425 |
| Net loans and leases to core deposits | 52.4179% | 6,154 |
| Total domestic deposits to total assets | 78.8198% | 5,916 |
| Equity capital to assets | 19.6853% | 250 |
| Core capital (leverage) ratio | 19.3567% | 232 |
| Tier 1 risk-based capital ratio | 51.9555% | 130 |
| Total risk-based capital ratio | 52.3670% | 130 |
| Memoranda: | ||
| Average total assets | $1,772,033,000 | 390 |
| Average earning assets | $1,622,776,250 | 381 |
| Average equity | $341,866,250 | 252 |
| Average total loans | $652,056,750 | 637 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 4,995 |
| Cost of funding earning assets | 0.8969% | 2,429 |
| Net interest margin | 3.2907% | 5,469 |
| Noninterest income to average assets | 0.1881% | 6,221 |
| Noninterest expense to average assets | 1.1344% | 7,161 |
| Loan and lease loss provision to assets | 0.0136% | 5,494 |
| Net operating income to assets | 1.3396% | 1,333 |
| Return on assets (ROA) | 1.3396% | 1,489 |
| Pretax return on assets | 2.0489% | 632 |
| Return on Equity (ROE) | 6.9915% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.9915% | 2,109 |
| Net charge-offs to loans | 0.0021% | 5,486 |
| Credit loss provision to net charge-offs | 1,714.2857% | 185 |
| Earnings coverage of net charge-offs (x) | 2,606.5714% | 6 |
| Efficiency ratio | 35.4855% | 7,128 |
| Assets per employee ($millions) | 13.4632% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4131% | 7,077 |
| Loan loss allowance to noncurrent loans | 107.2639% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 6,408 |
| Noncurrent loans to loans | 0.3851% | 5,764 |
| Net loans and leases to total assets | 36.0553% | 6,606 |
| Net loans and leases to deposits | 45.5577% | 6,474 |
| Net loans and leases to core deposits | 52.4653% | 6,204 |
| Total domestic deposits to total assets | 79.1420% | 5,937 |
| Equity capital to assets | 19.4002% | 258 |
| Core capital (leverage) ratio | 19.0887% | 239 |
| Tier 1 risk-based capital ratio | 51.0371% | 129 |
| Total risk-based capital ratio | 51.4386% | 131 |
| Memoranda: | ||
| Average total assets | $1,769,333,670 | 392 |
| Average earning assets | $1,617,782,330 | 382 |
| Average equity | $339,013,670 | 252 |
| Average total loans | $656,118,670 | 635 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 5,091 |
| Cost of funding earning assets | 0.9313% | 2,433 |
| Net interest margin | 3.2717% | 5,565 |
| Noninterest income to average assets | 0.1794% | 6,304 |
| Noninterest expense to average assets | 1.1190% | 7,227 |
| Loan and lease loss provision to assets | 0.0136% | 5,143 |
| Net operating income to assets | 1.3252% | 1,385 |
| Return on assets (ROA) | 1.3252% | 1,549 |
| Pretax return on assets | 2.0349% | 696 |
| Return on Equity (ROE) | 6.9603% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.9603% | 2,456 |
| Net charge-offs to loans | 0.0048% | 4,686 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 1,130.1250% | 15 |
| Efficiency ratio | 35.3290% | 7,190 |
| Assets per employee ($millions) | 13.8782% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3976% | 7,135 |
| Loan loss allowance to noncurrent loans | 122.5000% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 6,518 |
| Noncurrent loans to loans | 0.3245% | 6,025 |
| Net loans and leases to total assets | 36.6264% | 6,585 |
| Net loans and leases to deposits | 46.0376% | 6,426 |
| Net loans and leases to core deposits | 52.8690% | 6,135 |
| Total domestic deposits to total assets | 79.5576% | 5,959 |
| Equity capital to assets | 19.0803% | 272 |
| Core capital (leverage) ratio | 18.6852% | 255 |
| Tier 1 risk-based capital ratio | 49.7028% | 126 |
| Total risk-based capital ratio | 50.0917% | 133 |
| Memoranda: | ||
| Average total assets | $1,765,427,000 | 389 |
| Average earning assets | $1,612,356,000 | 381 |
| Average equity | $336,135,500 | 249 |
| Average total loans | $662,471,500 | 628 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6516% | 4,446 |
| Cost of funding earning assets | 1.0658% | 2,911 |
| Net interest margin | 3.5858% | 4,787 |
| Noninterest income to average assets | 0.2077% | 6,030 |
| Noninterest expense to average assets | 1.2563% | 7,252 |
| Loan and lease loss provision to assets | 0.0105% | 6,402 |
| Net operating income to assets | 1.5247% | 783 |
| Return on assets (ROA) | 1.5247% | 850 |
| Pretax return on assets | 2.2785% | 317 |
| Return on Equity (ROE) | 8.1948% | 2,810 |
| Retained earnings to average equity (ytd only) | 8.1948% | 1,020 |
| Net charge-offs to loans | 0.0164% | 6,208 |
| Credit loss provision to net charge-offs | 159.2920% | 1,738 |
| Earnings coverage of net charge-offs (x) | 348.5664% | 102 |
| Efficiency ratio | 35.4359% | 7,260 |
| Assets per employee ($millions) | 13.4957% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3790% | 7,179 |
| Loan loss allowance to noncurrent loans | 110.3120% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 6,522 |
| Noncurrent loans to loans | 0.3436% | 6,041 |
| Net loans and leases to total assets | 38.1411% | 6,644 |
| Net loans and leases to deposits | 48.3289% | 6,476 |
| Net loans and leases to core deposits | 55.2078% | 6,212 |
| Total domestic deposits to total assets | 78.9198% | 6,013 |
| Equity capital to assets | 18.9990% | 279 |
| Core capital (leverage) ratio | 18.7047% | 261 |
| Tier 1 risk-based capital ratio | 49.4171% | 137 |
| Total risk-based capital ratio | 49.8030% | 141 |
| Memoranda: | ||
| Average total assets | $1,720,761,200 | 392 |
| Average earning assets | $1,601,653,600 | 370 |
| Average equity | $320,165,000 | 252 |
| Average total loans | $690,750,400 | 598 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7074% | 4,426 |
| Cost of funding earning assets | 1.0893% | 3,049 |
| Net interest margin | 3.6182% | 4,698 |
| Noninterest income to average assets | 0.1602% | 6,446 |
| Noninterest expense to average assets | 1.1835% | 7,345 |
| Loan and lease loss provision to assets | 0.0093% | 6,317 |
| Net operating income to assets | 1.5110% | 909 |
| Return on assets (ROA) | 1.5110% | 990 |
| Pretax return on assets | 2.3425% | 338 |
| Return on Equity (ROE) | 8.1654% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.1654% | 1,446 |
| Net charge-offs to loans | 0.0217% | 5,850 |
| Credit loss provision to net charge-offs | 106.1947% | 3,119 |
| Earnings coverage of net charge-offs (x) | 267.3061% | 146 |
| Efficiency ratio | 33.4750% | 7,336 |
| Assets per employee ($millions) | 13.2086% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3606% | 7,254 |
| Loan loss allowance to noncurrent loans | 119.4712% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 6,607 |
| Noncurrent loans to loans | 0.3018% | 6,244 |
| Net loans and leases to total assets | 39.9890% | 6,631 |
| Net loans and leases to deposits | 50.6885% | 6,467 |
| Net loans and leases to core deposits | 57.9948% | 6,129 |
| Total domestic deposits to total assets | 78.8916% | 6,012 |
| Equity capital to assets | 19.0349% | 316 |
| Core capital (leverage) ratio | 18.7196% | 274 |
| Tier 1 risk-based capital ratio | 47.7295% | 161 |
| Total risk-based capital ratio | 48.1010% | 165 |
| Memoranda: | ||
| Average total assets | $1,712,341,250 | 393 |
| Average earning assets | $1,597,350,750 | 372 |
| Average equity | $316,874,750 | 251 |
| Average total loans | $695,510,750 | 598 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 4,723 |
| Cost of funding earning assets | 1.1046% | 3,211 |
| Net interest margin | 3.5524% | 4,913 |
| Noninterest income to average assets | 0.1610% | 6,507 |
| Noninterest expense to average assets | 1.1812% | 7,429 |
| Loan and lease loss provision to assets | 0.0070% | 6,170 |
| Net operating income to assets | 1.4732% | 939 |
| Return on assets (ROA) | 1.4732% | 994 |
| Pretax return on assets | 2.2905% | 357 |
| Return on Equity (ROE) | 8.0377% | 2,932 |
| Retained earnings to average equity (ytd only) | 8.0377% | 1,452 |
| Net charge-offs to loans | -0.0003% | 6,516 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9562% | 7,409 |
| Assets per employee ($millions) | 13.5010% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3639% | 7,315 |
| Loan loss allowance to noncurrent loans | 122.1741% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 6,735 |
| Noncurrent loans to loans | 0.2979% | 6,321 |
| Net loans and leases to total assets | 39.9310% | 6,752 |
| Net loans and leases to deposits | 51.5610% | 6,497 |
| Net loans and leases to core deposits | 58.6886% | 6,216 |
| Total domestic deposits to total assets | 77.4443% | 6,385 |
| Equity capital to assets | 18.4284% | 349 |
| Core capital (leverage) ratio | 18.0756% | 325 |
| Tier 1 risk-based capital ratio | 47.8709% | 156 |
| Total risk-based capital ratio | 48.2600% | 159 |
| Memoranda: | ||
| Average total assets | $1,710,749,670 | 394 |
| Average earning assets | $1,597,735,000 | 378 |
| Average equity | $313,549,330 | 254 |
| Average total loans | $697,633,330 | 608 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 5,202 |
| Cost of funding earning assets | 1.1374% | 3,246 |
| Net interest margin | 3.4027% | 5,421 |
| Noninterest income to average assets | 0.1576% | 6,591 |
| Noninterest expense to average assets | 1.1965% | 7,490 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3626% | 1,131 |
| Return on assets (ROA) | 1.3626% | 1,183 |
| Pretax return on assets | 2.1398% | 444 |
| Return on Equity (ROE) | 7.4553% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.4553% | 1,960 |
| Net charge-offs to loans | -0.0006% | 6,164 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8628% | 7,448 |
| Assets per employee ($millions) | 13.1139% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3557% | 7,372 |
| Loan loss allowance to noncurrent loans | 129.1819% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 6,803 |
| Noncurrent loans to loans | 0.2753% | 6,437 |
| Net loans and leases to total assets | 40.7375% | 6,727 |
| Net loans and leases to deposits | 51.1621% | 6,537 |
| Net loans and leases to core deposits | 57.8384% | 6,277 |
| Total domestic deposits to total assets | 79.6244% | 6,032 |
| Equity capital to assets | 18.4079% | 344 |
| Core capital (leverage) ratio | 18.0605% | 332 |
| Tier 1 risk-based capital ratio | 43.4015% | 197 |
| Total risk-based capital ratio | 43.7536% | 199 |
| Memoranda: | ||
| Average total assets | $1,695,310,500 | 401 |
| Average earning assets | $1,583,670,500 | 384 |
| Average equity | $309,846,500 | 255 |
| Average total loans | $697,455,000 | 616 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8957% | 5,055 |
| Cost of funding earning assets | 1.4520% | 2,943 |
| Net interest margin | 3.4437% | 5,461 |
| Noninterest income to average assets | 0.2021% | 6,339 |
| Noninterest expense to average assets | 1.2138% | 7,545 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4613% | 838 |
| Return on assets (ROA) | 1.4613% | 896 |
| Pretax return on assets | 2.1950% | 328 |
| Return on Equity (ROE) | 8.1764% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.1764% | 924 |
| Net charge-offs to loans | -0.0004% | 7,226 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6082% | 7,547 |
| Assets per employee ($millions) | 12.8688% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3552% | 7,454 |
| Loan loss allowance to noncurrent loans | 128.4456% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 6,931 |
| Noncurrent loans to loans | 0.2765% | 6,510 |
| Net loans and leases to total assets | 41.2534% | 6,887 |
| Net loans and leases to deposits | 51.6915% | 6,765 |
| Net loans and leases to core deposits | 58.2071% | 6,545 |
| Total domestic deposits to total assets | 79.8070% | 5,886 |
| Equity capital to assets | 18.1439% | 365 |
| Core capital (leverage) ratio | 17.8846% | 334 |
| Tier 1 risk-based capital ratio | 42.7750% | 196 |
| Total risk-based capital ratio | 43.1286% | 206 |
| Memoranda: | ||
| Average total assets | $1,657,509,800 | 411 |
| Average earning assets | $1,543,470,200 | 401 |
| Average equity | $296,242,000 | 256 |
| Average total loans | $706,606,800 | 618 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 5,070 |
| Cost of funding earning assets | 1.5115% | 2,903 |
| Net interest margin | 3.4306% | 5,567 |
| Noninterest income to average assets | 0.1585% | 6,731 |
| Noninterest expense to average assets | 1.1354% | 7,674 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4447% | 1,030 |
| Return on assets (ROA) | 1.4447% | 1,103 |
| Pretax return on assets | 2.2160% | 395 |
| Return on Equity (ROE) | 8.1146% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.1146% | 1,386 |
| Net charge-offs to loans | -0.0002% | 7,162 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8773% | 7,652 |
| Assets per employee ($millions) | 12.7408% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3498% | 7,568 |
| Loan loss allowance to noncurrent loans | 104.7780% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 6,945 |
| Noncurrent loans to loans | 0.3339% | 6,524 |
| Net loans and leases to total assets | 42.6173% | 6,939 |
| Net loans and leases to deposits | 53.4646% | 6,804 |
| Net loans and leases to core deposits | 59.7890% | 6,627 |
| Total domestic deposits to total assets | 79.7113% | 5,803 |
| Equity capital to assets | 18.2567% | 394 |
| Core capital (leverage) ratio | 17.8678% | 362 |
| Tier 1 risk-based capital ratio | 44.0873% | 190 |
| Total risk-based capital ratio | 44.4595% | 198 |
| Memoranda: | ||
| Average total assets | $1,650,432,500 | 409 |
| Average earning assets | $1,536,051,250 | 399 |
| Average equity | $293,834,000 | 257 |
| Average total loans | $708,774,250 | 616 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 5,173 |
| Cost of funding earning assets | 1.5729% | 2,812 |
| Net interest margin | 3.3783% | 5,724 |
| Noninterest income to average assets | 0.1535% | 6,790 |
| Noninterest expense to average assets | 1.1409% | 7,748 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3996% | 1,093 |
| Return on assets (ROA) | 1.3996% | 1,157 |
| Pretax return on assets | 2.1554% | 443 |
| Return on Equity (ROE) | 7.9290% | 2,910 |
| Retained earnings to average equity (ytd only) | 7.9290% | 1,464 |
| Net charge-offs to loans | -0.0003% | 7,059 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6117% | 7,712 |
| Assets per employee ($millions) | 13.0416% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3493% | 7,635 |
| Loan loss allowance to noncurrent loans | 136.5491% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 7,079 |
| Noncurrent loans to loans | 0.2558% | 6,719 |
| Net loans and leases to total assets | 42.3266% | 7,021 |
| Net loans and leases to deposits | 53.4045% | 6,899 |
| Net loans and leases to core deposits | 59.4453% | 6,745 |
| Total domestic deposits to total assets | 79.2566% | 5,954 |
| Equity capital to assets | 17.7932% | 438 |
| Core capital (leverage) ratio | 17.3598% | 409 |
| Tier 1 risk-based capital ratio | 41.8763% | 216 |
| Total risk-based capital ratio | 42.2375% | 226 |
| Memoranda: | ||
| Average total assets | $1,648,476,670 | 410 |
| Average earning assets | $1,533,628,670 | 403 |
| Average equity | $290,983,670 | 257 |
| Average total loans | $708,916,330 | 622 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1210% | 4,431 |
| Cost of funding earning assets | 1.6242% | 2,806 |
| Net interest margin | 3.4967% | 5,172 |
| Noninterest income to average assets | 0.1431% | 6,955 |
| Noninterest expense to average assets | 1.1541% | 7,843 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4429% | 995 |
| Return on assets (ROA) | 1.4429% | 1,072 |
| Pretax return on assets | 2.2395% | 394 |
| Return on Equity (ROE) | 8.2080% | 2,779 |
| Retained earnings to average equity (ytd only) | 8.2080% | 1,620 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0073% | 7,815 |
| Assets per employee ($millions) | 12.7393% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3502% | 7,722 |
| Loan loss allowance to noncurrent loans | 118.6303% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 7,153 |
| Noncurrent loans to loans | 0.2952% | 6,730 |
| Net loans and leases to total assets | 42.5583% | 7,090 |
| Net loans and leases to deposits | 53.5030% | 6,949 |
| Net loans and leases to core deposits | 59.3237% | 6,796 |
| Total domestic deposits to total assets | 79.5439% | 5,933 |
| Equity capital to assets | 17.5995% | 457 |
| Core capital (leverage) ratio | 17.1578% | 442 |
| Tier 1 risk-based capital ratio | 42.4464% | 221 |
| Total risk-based capital ratio | 42.8199% | 223 |
| Memoranda: | ||
| Average total assets | $1,638,052,500 | 428 |
| Average earning assets | $1,522,685,000 | 416 |
| Average equity | $287,962,000 | 264 |
| Average total loans | $708,852,000 | 639 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4163% | 4,616 |
| Cost of funding earning assets | 2.2076% | 1,995 |
| Net interest margin | 3.2087% | 6,062 |
| Noninterest income to average assets | 0.1694% | 6,867 |
| Noninterest expense to average assets | 1.2254% | 7,900 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2583% | 1,116 |
| Return on assets (ROA) | 1.2583% | 1,171 |
| Pretax return on assets | 1.8825% | 529 |
| Return on Equity (ROE) | 7.1732% | 2,723 |
| Retained earnings to average equity (ytd only) | 7.1732% | 907 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4295% | 7,868 |
| Assets per employee ($millions) | 12.5581% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3485% | 7,794 |
| Loan loss allowance to noncurrent loans | 131.0053% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 7,194 |
| Noncurrent loans to loans | 0.2660% | 6,761 |
| Net loans and leases to total assets | 43.7000% | 7,135 |
| Net loans and leases to deposits | 54.6249% | 7,013 |
| Net loans and leases to core deposits | 80.2147% | 6,071 |
| Total domestic deposits to total assets | 80.0002% | 5,670 |
| Equity capital to assets | 17.5591% | 493 |
| Core capital (leverage) ratio | 17.1577% | 475 |
| Tier 1 risk-based capital ratio | 41.8746% | 221 |
| Total risk-based capital ratio | 42.2507% | 230 |
| Memoranda: | ||
| Average total assets | $1,553,188,600 | 443 |
| Average earning assets | $1,422,391,200 | 441 |
| Average equity | $272,458,200 | 273 |
| Average total loans | $705,485,000 | 660 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3862% | 5,016 |
| Cost of funding earning assets | 2.3228% | 1,899 |
| Net interest margin | 3.0634% | 6,424 |
| Noninterest income to average assets | 0.1750% | 6,962 |
| Noninterest expense to average assets | 1.1849% | 7,995 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1663% | 1,549 |
| Return on assets (ROA) | 1.1663% | 1,608 |
| Pretax return on assets | 1.7865% | 823 |
| Return on Equity (ROE) | 6.6502% | 3,235 |
| Retained earnings to average equity (ytd only) | 6.6502% | 1,650 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8768% | 7,927 |
| Assets per employee ($millions) | 12.4791% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3511% | 7,869 |
| Loan loss allowance to noncurrent loans | 159.5361% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 7,161 |
| Noncurrent loans to loans | 0.2201% | 6,944 |
| Net loans and leases to total assets | 44.3431% | 7,222 |
| Net loans and leases to deposits | 55.8010% | 7,105 |
| Net loans and leases to core deposits | 83.2476% | 6,101 |
| Total domestic deposits to total assets | 79.4665% | 5,638 |
| Equity capital to assets | 17.5632% | 555 |
| Core capital (leverage) ratio | 17.1529% | 530 |
| Tier 1 risk-based capital ratio | 43.5917% | 229 |
| Total risk-based capital ratio | 43.9921% | 232 |
| Memoranda: | ||
| Average total assets | $1,536,488,250 | 460 |
| Average earning assets | $1,402,590,750 | 462 |
| Average equity | $269,458,750 | 283 |
| Average total loans | $704,253,250 | 678 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 4,913 |
| Cost of funding earning assets | 2.4730% | 1,708 |
| Net interest margin | 2.9731% | 6,626 |
| Noninterest income to average assets | 0.1773% | 7,026 |
| Noninterest expense to average assets | 1.1963% | 8,086 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0987% | 1,775 |
| Return on assets (ROA) | 1.0987% | 1,853 |
| Pretax return on assets | 1.6841% | 1,047 |
| Return on Equity (ROE) | 6.2680% | 3,530 |
| Retained earnings to average equity (ytd only) | 6.2680% | 1,898 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5327% | 7,988 |
| Assets per employee ($millions) | 12.1732% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3524% | 7,943 |
| Loan loss allowance to noncurrent loans | 257.2765% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 7,312 |
| Noncurrent loans to loans | 0.1370% | 7,173 |
| Net loans and leases to total assets | 45.2714% | 7,243 |
| Net loans and leases to deposits | 57.0624% | 7,087 |
| Net loans and leases to core deposits | 85.5062% | 5,964 |
| Total domestic deposits to total assets | 79.3367% | 5,708 |
| Equity capital to assets | 17.6390% | 589 |
| Core capital (leverage) ratio | 17.2460% | 586 |
| Tier 1 risk-based capital ratio | 42.4684% | 262 |
| Total risk-based capital ratio | 42.8659% | 269 |
| Memoranda: | ||
| Average total assets | $1,520,367,000 | 477 |
| Average earning assets | $1,382,283,330 | 474 |
| Average equity | $266,494,670 | 291 |
| Average total loans | $703,921,670 | 696 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5507% | 4,639 |
| Cost of funding earning assets | 2.6628% | 1,366 |
| Net interest margin | 2.8879% | 6,772 |
| Noninterest income to average assets | 0.1711% | 7,081 |
| Noninterest expense to average assets | 1.0820% | 8,151 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0860% | 2,011 |
| Return on assets (ROA) | 1.0860% | 2,140 |
| Pretax return on assets | 1.6758% | 1,229 |
| Return on Equity (ROE) | 6.2158% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.2158% | 2,540 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2342% | 8,069 |
| Assets per employee ($millions) | 12.1417% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3527% | 7,996 |
| Loan loss allowance to noncurrent loans | 149.1566% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 7,266 |
| Noncurrent loans to loans | 0.2365% | 6,856 |
| Net loans and leases to total assets | 45.3675% | 7,233 |
| Net loans and leases to deposits | 57.3692% | 7,076 |
| Net loans and leases to core deposits | 86.5643% | 5,862 |
| Total domestic deposits to total assets | 79.0799% | 5,694 |
| Equity capital to assets | 17.3654% | 684 |
| Core capital (leverage) ratio | 17.0012% | 653 |
| Tier 1 risk-based capital ratio | 41.2298% | 297 |
| Total risk-based capital ratio | 41.6222% | 307 |
| Memoranda: | ||
| Average total assets | $1,507,554,000 | 483 |
| Average earning assets | $1,350,310,000 | 489 |
| Average equity | $263,393,500 | 292 |
| Average total loans | $704,698,500 | 702 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7151% | 6,728 |
| Cost of funding earning assets | 3.0654% | 1,621 |
| Net interest margin | 2.6497% | 7,579 |
| Noninterest income to average assets | 0.1861% | 7,117 |
| Noninterest expense to average assets | 1.2148% | 8,160 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0381% | 2,409 |
| Return on assets (ROA) | 1.0381% | 2,295 |
| Pretax return on assets | 1.4147% | 1,929 |
| Return on Equity (ROE) | 5.8350% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.8350% | 1,600 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1981% | 7,917 |
| Assets per employee ($millions) | 11.4194% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3499% | 8,044 |
| Loan loss allowance to noncurrent loans | 218.4466% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 7,259 |
| Noncurrent loans to loans | 0.1602% | 6,928 |
| Net loans and leases to total assets | 47.8497% | 7,202 |
| Net loans and leases to deposits | 60.7096% | 7,033 |
| Net loans and leases to core deposits | 92.6345% | 5,574 |
| Total domestic deposits to total assets | 78.8174% | 5,443 |
| Equity capital to assets | 17.5827% | 706 |
| Core capital (leverage) ratio | 17.4369% | 654 |
| Tier 1 risk-based capital ratio | 41.4323% | 304 |
| Total risk-based capital ratio | 41.8327% | 318 |
| Memoranda: | ||
| Average total assets | $1,407,408,400 | 493 |
| Average earning assets | $1,297,857,200 | 490 |
| Average equity | $250,403,400 | 307 |
| Average total loans | $694,667,600 | 685 |