Home > Amalgamated Bank of Chicago > Performance and Condition Ratios
Amalgamated Bank of Chicago, Performance and Condition Ratios
| 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 | 4.4975% | 3,103 |
| Cost of funding earning assets | 0.7015% | 3,929 |
| Net interest margin | 3.7960% | 1,568 |
| Noninterest income to average assets | 1.5000% | 386 |
| Noninterest expense to average assets | 3.4758% | 592 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.1054% | 1,907 |
| Return on assets (ROA) | 1.1054% | 1,878 |
| Pretax return on assets | 1.4527% | 1,527 |
| Return on Equity (ROE) | 11.6400% | 2,053 |
| Retained earnings to average equity (ytd only) | 10.6050% | 877 |
| 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 | 68.6906% | 2,034 |
| Assets per employee ($millions) | 8.4162% | 1,220 |
| Cash dividends to net income (ytd only)* | 8.8660% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 1,602 |
| Loan loss allowance to noncurrent loans | 2,986.9565% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 3,342 |
| Noncurrent loans to loans | 0.0449% | 3,397 |
| Net loans and leases to total assets | 52.5100% | 3,454 |
| Net loans and leases to deposits | 60.3210% | 3,503 |
| Net loans and leases to core deposits | 64.2692% | 3,575 |
| Total domestic deposits to total assets | 87.0500% | 1,659 |
| Equity capital to assets | 8.1213% | 3,340 |
| Core capital (leverage) ratio | 10.2098% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7630% | 1,325 |
| Memoranda: | ||
| Average total assets | $1,071,356,400 | 925 |
| Average earning assets | $1,004,384,800 | 905 |
| Average equity | $101,773,000 | 929 |
| Average total loans | $636,936,600 | 1,043 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 2,931 |
| Cost of funding earning assets | 0.5624% | 4,041 |
| Net interest margin | 3.9334% | 1,334 |
| Noninterest income to average assets | 1.5900% | 370 |
| Noninterest expense to average assets | 3.6373% | 474 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.1606% | 1,899 |
| Return on assets (ROA) | 1.1606% | 1,881 |
| Pretax return on assets | 1.5112% | 1,534 |
| Return on Equity (ROE) | 11.6500% | 2,212 |
| Retained earnings to average equity (ytd only) | 10.5288% | 1,258 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.0705% | 1,891 |
| Assets per employee ($millions) | 6.3593% | 2,446 |
| Cash dividends to net income (ytd only)* | 9.6253% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,545 |
| Loan loss allowance to noncurrent loans | 2,715.2239% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 3,264 |
| Noncurrent loans to loans | 0.0507% | 3,393 |
| Net loans and leases to total assets | 63.2400% | 2,534 |
| Net loans and leases to deposits | 74.3020% | 2,539 |
| Net loans and leases to core deposits | 80.7813% | 2,542 |
| Total domestic deposits to total assets | 85.1100% | 2,467 |
| Equity capital to assets | 10.0880% | 1,777 |
| Core capital (leverage) ratio | 11.3266% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2212% | 1,262 |
| Memoranda: | ||
| Average total assets | $1,002,549,000 | 983 |
| Average earning assets | $936,224,500 | 964 |
| Average equity | $99,876,250 | 941 |
| Average total loans | $617,001,750 | 1,071 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 2,896 |
| Cost of funding earning assets | 0.4489% | 4,084 |
| Net interest margin | 3.9463% | 1,335 |
| Noninterest income to average assets | 1.5900% | 306 |
| Noninterest expense to average assets | 3.6330% | 465 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.2260% | 1,760 |
| Return on assets (ROA) | 1.2260% | 1,752 |
| Pretax return on assets | 1.5732% | 1,460 |
| Return on Equity (ROE) | 12.3700% | 2,048 |
| Retained earnings to average equity (ytd only) | 11.5134% | 1,073 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.8602% | 1,880 |
| Assets per employee ($millions) | 6.3747% | 2,409 |
| Cash dividends to net income (ytd only)* | 6.8977% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 1,640 |
| Loan loss allowance to noncurrent loans | 4,390.2564% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,351 |
| Noncurrent loans to loans | 0.0312% | 3,518 |
| Net loans and leases to total assets | 62.4100% | 2,536 |
| Net loans and leases to deposits | 72.7378% | 2,595 |
| Net loans and leases to core deposits | 79.7759% | 2,484 |
| Total domestic deposits to total assets | 85.8000% | 2,296 |
| Equity capital to assets | 10.2485% | 1,715 |
| Core capital (leverage) ratio | 11.3514% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6579% | 1,178 |
| Memoranda: | ||
| Average total assets | $993,281,333 | 983 |
| Average earning assets | $927,498,667 | 964 |
| Average equity | $98,476,667 | 950 |
| Average total loans | $602,473,667 | 1,078 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 3,006 |
| Cost of funding earning assets | 0.3441% | 4,094 |
| Net interest margin | 3.8714% | 1,536 |
| Noninterest income to average assets | 1.5300% | 320 |
| Noninterest expense to average assets | 3.5558% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2949% | 1,687 |
| Return on assets (ROA) | 1.2949% | 1,662 |
| Pretax return on assets | 1.5885% | 1,489 |
| Return on Equity (ROE) | 13.2800% | 1,935 |
| Retained earnings to average equity (ytd only) | 11.5530% | 1,349 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0675% | 1,851 |
| Assets per employee ($millions) | 5.5839% | 3,131 |
| Cash dividends to net income (ytd only)* | 13.0273% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 1,641 |
| Loan loss allowance to noncurrent loans | 4,810.5263% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,339 |
| Noncurrent loans to loans | 0.0290% | 3,552 |
| Net loans and leases to total assets | 65.4900% | 2,109 |
| Net loans and leases to deposits | 77.1822% | 2,021 |
| Net loans and leases to core deposits | 81.6264% | 2,138 |
| Total domestic deposits to total assets | 84.8500% | 2,893 |
| Equity capital to assets | 11.1118% | 1,297 |
| Core capital (leverage) ratio | 11.3525% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3314% | 1,103 |
| Memoranda: | ||
| Average total assets | $995,880,500 | 996 |
| Average earning assets | $929,908,000 | 980 |
| Average equity | $97,083,000 | 967 |
| Average total loans | $591,102,000 | 1,102 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8012% | 4,323 |
| Cost of funding earning assets | 0.0625% | 4,535 |
| Net interest margin | 2.7387% | 3,991 |
| Noninterest income to average assets | 1.3300% | 392 |
| Noninterest expense to average assets | 2.8163% | 1,284 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8019% | 3,317 |
| Return on assets (ROA) | 0.6136% | 3,799 |
| Pretax return on assets | 0.8210% | 3,570 |
| Return on Equity (ROE) | 7.8100% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.8131% | 1,913 |
| Net charge-offs to loans | 0.0060% | 2,199 |
| Credit loss provision to net charge-offs | 1,250.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 377.0294% | 410 |
| Efficiency ratio | 71.9742% | 1,448 |
| Assets per employee ($millions) | 7.2152% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,288 |
| Loan loss allowance to noncurrent loans | 3,998.8950% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 3,431 |
| Noncurrent loans to loans | 0.0305% | 3,565 |
| Net loans and leases to total assets | 53.0200% | 3,282 |
| Net loans and leases to deposits | 60.2414% | 3,317 |
| Net loans and leases to core deposits | 62.7302% | 3,347 |
| Total domestic deposits to total assets | 88.0200% | 2,070 |
| Equity capital to assets | 8.6520% | 2,592 |
| Core capital (leverage) ratio | 10.2270% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6732% | 1,195 |
| Memoranda: | ||
| Average total assets | $1,169,850,200 | 870 |
| Average earning assets | $1,103,226,800 | 852 |
| Average equity | $91,871,200 | 1,010 |
| Average total loans | $563,491,400 | 1,084 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4979% | 4,443 |
| Cost of funding earning assets | 0.0567% | 4,543 |
| Net interest margin | 2.4412% | 4,272 |
| Noninterest income to average assets | 1.3100% | 429 |
| Noninterest expense to average assets | 2.7535% | 1,340 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.6455% | 3,709 |
| Return on assets (ROA) | 0.3979% | 4,191 |
| Pretax return on assets | 0.5276% | 4,105 |
| Return on Equity (ROE) | 5.1900% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.1889% | 3,030 |
| Net charge-offs to loans | -0.0010% | 3,172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.1826% | 1,064 |
| Assets per employee ($millions) | 7.1616% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 2,416 |
| Loan loss allowance to noncurrent loans | 500.4277% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 2,463 |
| Noncurrent loans to loans | 0.2441% | 2,405 |
| Net loans and leases to total assets | 57.4500% | 2,761 |
| Net loans and leases to deposits | 65.9374% | 2,725 |
| Net loans and leases to core deposits | 67.3199% | 2,856 |
| Total domestic deposits to total assets | 87.1300% | 2,721 |
| Equity capital to assets | 9.1915% | 2,093 |
| Core capital (leverage) ratio | 10.5985% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7013% | 1,237 |
| Memoranda: | ||
| Average total assets | $1,186,330,750 | 867 |
| Average earning assets | $1,119,533,500 | 848 |
| Average equity | $90,961,000 | 1,033 |
| Average total loans | $556,223,500 | 1,087 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1848% | 4,571 |
| Cost of funding earning assets | 0.0562% | 4,556 |
| Net interest margin | 2.1286% | 4,496 |
| Noninterest income to average assets | 1.2361% | 455 |
| Noninterest expense to average assets | 2.5498% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5494% | 3,765 |
| Return on assets (ROA) | 0.1976% | 4,386 |
| Pretax return on assets | 0.2555% | 4,345 |
| Return on Equity (ROE) | 2.7186% | 4,259 |
| Retained earnings to average equity (ytd only) | 2.7186% | 3,540 |
| Net charge-offs to loans | -0.0015% | 3,076 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4230% | 1,059 |
| Assets per employee ($millions) | 7.7620% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 2,673 |
| Loan loss allowance to noncurrent loans | 2,927.7778% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 3,547 |
| Noncurrent loans to loans | 0.0410% | 3,638 |
| Net loans and leases to total assets | 53.7814% | 2,985 |
| Net loans and leases to deposits | 61.2189% | 2,956 |
| Net loans and leases to core deposits | 62.4080% | 3,083 |
| Total domestic deposits to total assets | 87.8511% | 2,632 |
| Equity capital to assets | 8.6671% | 2,638 |
| Core capital (leverage) ratio | 9.6612% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7255% | 1,246 |
| Memoranda: | ||
| Average total assets | $1,252,340,333 | 821 |
| Average earning assets | $1,185,264,333 | 806 |
| Average equity | $91,001,333 | 1,037 |
| Average total loans | $550,027,667 | 1,089 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8751% | 4,650 |
| Cost of funding earning assets | 0.0560% | 4,559 |
| Net interest margin | 1.8191% | 4,611 |
| Noninterest income to average assets | 1.0808% | 582 |
| Noninterest expense to average assets | 2.3727% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3751% | 4,010 |
| Return on assets (ROA) | -0.2755% | 4,644 |
| Pretax return on assets | -0.3874% | 4,660 |
| Return on Equity (ROE) | -4.0970% | 4,687 |
| Retained earnings to average equity (ytd only) | -4.0970% | 4,380 |
| Net charge-offs to loans | -0.0030% | 3,182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4512% | 818 |
| Assets per employee ($millions) | 7.9063% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,666 |
| Loan loss allowance to noncurrent loans | 346.0101% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 2,392 |
| Noncurrent loans to loans | 0.3574% | 2,201 |
| Net loans and leases to total assets | 51.2647% | 3,042 |
| Net loans and leases to deposits | 58.5545% | 3,029 |
| Net loans and leases to core deposits | 60.0443% | 3,142 |
| Total domestic deposits to total assets | 87.5505% | 2,726 |
| Equity capital to assets | 8.4047% | 3,237 |
| Core capital (leverage) ratio | 9.4031% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4825% | 1,388 |
| Memoranda: | ||
| Average total assets | $1,354,576,000 | 767 |
| Average earning assets | $1,286,786,500 | 749 |
| Average equity | $91,092,000 | 1,078 |
| Average total loans | $539,836,500 | 1,100 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4672% | 4,508 |
| Cost of funding earning assets | 0.0703% | 4,590 |
| Net interest margin | 2.3969% | 4,323 |
| Noninterest income to average assets | 1.4618% | 525 |
| Noninterest expense to average assets | 3.2369% | 691 |
| Loan and lease loss provision to assets | -0.0193% | 4,219 |
| Net operating income to assets | 0.4030% | 4,270 |
| Return on assets (ROA) | 0.4054% | 4,303 |
| Pretax return on assets | 0.5371% | 4,199 |
| Return on Equity (ROE) | 5.0577% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.3873% | 3,060 |
| Net charge-offs to loans | 0.1211% | 748 |
| Credit loss provision to net charge-offs | -34.7267% | 3,219 |
| Earnings coverage of net charge-offs (x) | 9.2428% | 2,267 |
| Efficiency ratio | 86.2615% | 462 |
| Assets per employee ($millions) | 11.4014% | 456 |
| Cash dividends to net income (ytd only)* | 13.2538% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,346 |
| Loan loss allowance to noncurrent loans | 3,199.5327% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,861 |
| Noncurrent loans to loans | 0.0407% | 3,778 |
| Net loans and leases to total assets | 31.5994% | 4,460 |
| Net loans and leases to deposits | 34.0405% | 4,527 |
| Net loans and leases to core deposits | 34.5722% | 4,542 |
| Total domestic deposits to total assets | 92.8288% | 60 |
| Equity capital to assets | 5.6326% | 4,825 |
| Core capital (leverage) ratio | 7.7815% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2072% | 1,214 |
| Memoranda: | ||
| Average total assets | $1,116,742,000 | 880 |
| Average earning assets | $1,066,909,200 | 854 |
| Average equity | $89,507,600 | 1,107 |
| Average total loans | $513,724,600 | 1,138 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8083% | 4,292 |
| Cost of funding earning assets | 0.0808% | 4,629 |
| Net interest margin | 2.7275% | 3,917 |
| Noninterest income to average assets | 1.7105% | 433 |
| Noninterest expense to average assets | 3.8357% | 328 |
| Loan and lease loss provision to assets | -0.0292% | 4,390 |
| Net operating income to assets | 0.3769% | 4,410 |
| Return on assets (ROA) | 0.3802% | 4,437 |
| Pretax return on assets | 0.5009% | 4,370 |
| Return on Equity (ROE) | 4.2208% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.3195% | 3,796 |
| Net charge-offs to loans | 0.1279% | 623 |
| Credit loss provision to net charge-offs | -44.0816% | 3,126 |
| Earnings coverage of net charge-offs (x) | 7.0510% | 2,155 |
| Efficiency ratio | 89.1215% | 349 |
| Assets per employee ($millions) | 6.5379% | 2,216 |
| Cash dividends to net income (ytd only)* | 21.3523% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 2,050 |
| Loan loss allowance to noncurrent loans | 859.4828% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 3,421 |
| Noncurrent loans to loans | 0.1622% | 3,310 |
| Net loans and leases to total assets | 48.7260% | 3,550 |
| Net loans and leases to deposits | 55.2216% | 3,640 |
| Net loans and leases to core deposits | 56.7466% | 3,719 |
| Total domestic deposits to total assets | 88.2373% | 1,700 |
| Equity capital to assets | 8.8486% | 3,960 |
| Core capital (leverage) ratio | 10.1490% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5901% | 1,027 |
| Memoranda: | ||
| Average total assets | $985,478,500 | 983 |
| Average earning assets | $936,764,500 | 967 |
| Average equity | $88,765,500 | 1,131 |
| Average total loans | $510,744,500 | 1,164 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8094% | 4,331 |
| Cost of funding earning assets | 0.0832% | 4,681 |
| Net interest margin | 2.7262% | 3,928 |
| Noninterest income to average assets | 1.7665% | 402 |
| Noninterest expense to average assets | 3.7421% | 355 |
| Loan and lease loss provision to assets | 0.1639% | 709 |
| Net operating income to assets | 0.3443% | 4,473 |
| Return on assets (ROA) | 0.3493% | 4,498 |
| Pretax return on assets | 0.4587% | 4,443 |
| Return on Equity (ROE) | 3.8547% | 4,354 |
| Retained earnings to average equity (ytd only) | 2.9504% | 3,854 |
| Net charge-offs to loans | 0.1692% | 496 |
| Credit loss provision to net charge-offs | 183.9080% | 1,081 |
| Earnings coverage of net charge-offs (x) | 6.9149% | 1,936 |
| Efficiency ratio | 85.8459% | 481 |
| Assets per employee ($millions) | 5.6895% | 2,912 |
| Cash dividends to net income (ytd only)* | 23.4604% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 1,418 |
| Loan loss allowance to noncurrent loans | 872.1560% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 3,426 |
| Noncurrent loans to loans | 0.1778% | 3,327 |
| Net loans and leases to total assets | 53.7784% | 3,157 |
| Net loans and leases to deposits | 61.1060% | 3,289 |
| Net loans and leases to core deposits | 62.7807% | 3,395 |
| Total domestic deposits to total assets | 88.0083% | 1,815 |
| Equity capital to assets | 9.3528% | 3,467 |
| Core capital (leverage) ratio | 9.9649% | 2,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0315% | 1,111 |
| Memoranda: | ||
| Average total assets | $976,178,333 | 984 |
| Average earning assets | $928,108,000 | 965 |
| Average equity | $88,464,000 | 1,124 |
| Average total loans | $514,073,333 | 1,159 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8006% | 4,377 |
| Cost of funding earning assets | 0.0844% | 4,728 |
| Net interest margin | 2.7162% | 3,931 |
| Noninterest income to average assets | 1.7651% | 460 |
| Noninterest expense to average assets | 3.6595% | 385 |
| Loan and lease loss provision to assets | 0.2022% | 598 |
| Net operating income to assets | 0.3753% | 4,405 |
| Return on assets (ROA) | 0.3753% | 4,434 |
| Pretax return on assets | 0.4941% | 4,362 |
| Return on Equity (ROE) | 4.2056% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.2992% | 3,689 |
| Net charge-offs to loans | 0.1572% | 501 |
| Credit loss provision to net charge-offs | 248.7562% | 824 |
| Earnings coverage of net charge-offs (x) | 8.5672% | 1,572 |
| Efficiency ratio | 83.9955% | 596 |
| Assets per employee ($millions) | 5.2090% | 3,422 |
| Cash dividends to net income (ytd only)* | 21.5517% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 1,380 |
| Loan loss allowance to noncurrent loans | 852.0811% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 3,530 |
| Noncurrent loans to loans | 0.1838% | 3,446 |
| Net loans and leases to total assets | 56.0062% | 3,035 |
| Net loans and leases to deposits | 64.2254% | 3,104 |
| Net loans and leases to core deposits | 66.5587% | 3,196 |
| Total domestic deposits to total assets | 87.2026% | 2,225 |
| Equity capital to assets | 9.7963% | 2,902 |
| Core capital (leverage) ratio | 10.1693% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5945% | 1,144 |
| Memoranda: | ||
| Average total assets | $989,197,500 | 962 |
| Average earning assets | $943,510,500 | 944 |
| Average equity | $88,263,500 | 1,112 |
| Average total loans | $511,600,000 | 1,164 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2320% | 4,416 |
| Cost of funding earning assets | 0.1575% | 4,705 |
| Net interest margin | 3.0745% | 3,689 |
| Noninterest income to average assets | 1.9093% | 352 |
| Noninterest expense to average assets | 4.0781% | 354 |
| Loan and lease loss provision to assets | 0.2630% | 1,472 |
| Net operating income to assets | 0.3747% | 4,294 |
| Return on assets (ROA) | 0.3730% | 4,379 |
| Pretax return on assets | 0.4902% | 4,289 |
| Return on Equity (ROE) | 3.9089% | 4,180 |
| Retained earnings to average equity (ytd only) | 0.6207% | 4,340 |
| Net charge-offs to loans | 0.2236% | 777 |
| Credit loss provision to net charge-offs | 217.6991% | 2,081 |
| Earnings coverage of net charge-offs (x) | 6.2522% | 2,796 |
| Efficiency ratio | 84.3568% | 606 |
| Assets per employee ($millions) | 6.1502% | 2,210 |
| Cash dividends to net income (ytd only)* | 84.1215% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 1,592 |
| Loan loss allowance to noncurrent loans | 773.9174% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 3,736 |
| Noncurrent loans to loans | 0.1934% | 3,514 |
| Net loans and leases to total assets | 46.7223% | 4,076 |
| Net loans and leases to deposits | 52.1107% | 4,214 |
| Net loans and leases to core deposits | 53.5379% | 4,281 |
| Total domestic deposits to total assets | 89.6598% | 692 |
| Equity capital to assets | 8.1997% | 4,625 |
| Core capital (leverage) ratio | 10.1429% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3956% | 1,172 |
| Memoranda: | ||
| Average total assets | $935,308,800 | 938 |
| Average earning assets | $889,572,200 | 910 |
| Average equity | $89,258,800 | 1,066 |
| Average total loans | $505,357,600 | 1,128 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3981% | 4,352 |
| Cost of funding earning assets | 0.1735% | 4,746 |
| Net interest margin | 3.2246% | 3,413 |
| Noninterest income to average assets | 2.0053% | 317 |
| Noninterest expense to average assets | 4.2891% | 300 |
| Loan and lease loss provision to assets | 0.2738% | 1,470 |
| Net operating income to assets | 0.3816% | 4,300 |
| Return on assets (ROA) | 0.3793% | 4,368 |
| Pretax return on assets | 0.4980% | 4,281 |
| Return on Equity (ROE) | 3.8127% | 4,205 |
| Retained earnings to average equity (ytd only) | 2.3956% | 3,787 |
| Net charge-offs to loans | 0.2334% | 654 |
| Credit loss provision to net charge-offs | 209.4211% | 2,074 |
| Earnings coverage of net charge-offs (x) | 5.9262% | 2,695 |
| Efficiency ratio | 84.6862% | 571 |
| Assets per employee ($millions) | 5.2035% | 3,018 |
| Cash dividends to net income (ytd only)* | 37.1674% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 1,644 |
| Loan loss allowance to noncurrent loans | 825.1409% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 3,827 |
| Noncurrent loans to loans | 0.1723% | 3,692 |
| Net loans and leases to total assets | 55.4109% | 3,669 |
| Net loans and leases to deposits | 63.2877% | 3,842 |
| Net loans and leases to core deposits | 67.7046% | 3,771 |
| Total domestic deposits to total assets | 87.5539% | 1,416 |
| Equity capital to assets | 9.8465% | 3,384 |
| Core capital (leverage) ratio | 11.1234% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6706% | 1,105 |
| Memoranda: | ||
| Average total assets | $898,525,500 | 952 |
| Average earning assets | $852,262,000 | 931 |
| Average equity | $89,384,250 | 1,052 |
| Average total loans | $503,340,250 | 1,119 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4982% | 4,410 |
| Cost of funding earning assets | 0.1855% | 4,798 |
| Net interest margin | 3.3128% | 3,350 |
| Noninterest income to average assets | 2.0292% | 284 |
| Noninterest expense to average assets | 4.3066% | 301 |
| Loan and lease loss provision to assets | 0.2756% | 1,551 |
| Net operating income to assets | 0.4514% | 4,128 |
| Return on assets (ROA) | 0.4478% | 4,195 |
| Pretax return on assets | 0.5912% | 4,080 |
| Return on Equity (ROE) | 4.4861% | 3,979 |
| Retained earnings to average equity (ytd only) | 2.9152% | 3,424 |
| Net charge-offs to loans | 0.2538% | 622 |
| Credit loss provision to net charge-offs | 194.0063% | 1,946 |
| Earnings coverage of net charge-offs (x) | 6.1341% | 2,461 |
| Efficiency ratio | 83.1610% | 690 |
| Assets per employee ($millions) | 5.1928% | 2,940 |
| Cash dividends to net income (ytd only)* | 35.0175% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,666 |
| Loan loss allowance to noncurrent loans | 552.5437% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 3,720 |
| Noncurrent loans to loans | 0.2492% | 3,487 |
| Net loans and leases to total assets | 53.8605% | 3,885 |
| Net loans and leases to deposits | 61.4317% | 4,043 |
| Net loans and leases to core deposits | 65.6419% | 3,983 |
| Total domestic deposits to total assets | 87.6754% | 1,338 |
| Equity capital to assets | 9.7409% | 3,431 |
| Core capital (leverage) ratio | 10.7417% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7188% | 1,096 |
| Memoranda: | ||
| Average total assets | $892,759,333 | 948 |
| Average earning assets | $848,539,667 | 922 |
| Average equity | $89,120,000 | 1,043 |
| Average total loans | $499,525,333 | 1,117 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 4,296 |
| Cost of funding earning assets | 0.2046% | 4,881 |
| Net interest margin | 3.5473% | 2,825 |
| Noninterest income to average assets | 2.1756% | 239 |
| Noninterest expense to average assets | 4.4124% | 330 |
| Loan and lease loss provision to assets | 0.2805% | 1,107 |
| Net operating income to assets | 0.6403% | 3,474 |
| Return on assets (ROA) | 0.6331% | 3,563 |
| Pretax return on assets | 0.8429% | 3,300 |
| Return on Equity (ROE) | 6.2620% | 3,214 |
| Retained earnings to average equity (ytd only) | 4.2318% | 2,593 |
| Net charge-offs to loans | 0.2600% | 565 |
| Credit loss provision to net charge-offs | 190.4025% | 1,447 |
| Earnings coverage of net charge-offs (x) | 7.6873% | 1,903 |
| Efficiency ratio | 79.5591% | 1,187 |
| Assets per employee ($millions) | 4.5737% | 3,165 |
| Cash dividends to net income (ytd only)* | 32.4207% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 1,942 |
| Loan loss allowance to noncurrent loans | 565.2211% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 3,572 |
| Noncurrent loans to loans | 0.2374% | 3,633 |
| Net loans and leases to total assets | 59.3663% | 3,561 |
| Net loans and leases to deposits | 68.2597% | 3,712 |
| Net loans and leases to core deposits | 73.5163% | 3,670 |
| Total domestic deposits to total assets | 86.9711% | 1,568 |
| Equity capital to assets | 10.9085% | 2,939 |
| Core capital (leverage) ratio | 11.6240% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7586% | 1,181 |
| Memoranda: | ||
| Average total assets | $876,983,000 | 938 |
| Average earning assets | $832,963,000 | 907 |
| Average equity | $88,662,000 | 1,045 |
| Average total loans | $496,893,000 | 1,102 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 3,870 |
| Cost of funding earning assets | 0.1881% | 4,986 |
| Net interest margin | 3.9868% | 1,891 |
| Noninterest income to average assets | 2.2102% | 229 |
| Noninterest expense to average assets | 4.4205% | 331 |
| Loan and lease loss provision to assets | 0.2334% | 816 |
| Net operating income to assets | 0.9823% | 2,905 |
| Return on assets (ROA) | 0.9836% | 2,980 |
| Pretax return on assets | 1.3241% | 2,420 |
| Return on Equity (ROE) | 10.2359% | 2,191 |
| Retained earnings to average equity (ytd only) | 6.1783% | 1,778 |
| Net charge-offs to loans | 0.2581% | 802 |
| Credit loss provision to net charge-offs | 164.6440% | 1,576 |
| Earnings coverage of net charge-offs (x) | 10.9757% | 2,529 |
| Efficiency ratio | 73.9537% | 1,606 |
| Assets per employee ($millions) | 5.2287% | 2,318 |
| Cash dividends to net income (ytd only)* | 39.6409% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,043 |
| Loan loss allowance to noncurrent loans | 500.3937% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 3,631 |
| Noncurrent loans to loans | 0.2548% | 3,536 |
| Net loans and leases to total assets | 52.8679% | 4,161 |
| Net loans and leases to deposits | 60.3079% | 4,272 |
| Net loans and leases to core deposits | 62.3543% | 4,344 |
| Total domestic deposits to total assets | 87.6634% | 1,292 |
| Equity capital to assets | 9.4034% | 4,423 |
| Core capital (leverage) ratio | 10.7542% | 2,715 |
| Tier 1 risk-based capital ratio | 16.2561% | 2,311 |
| Total risk-based capital ratio | 17.3722% | 2,308 |
| Memoranda: | ||
| Average total assets | $871,957,200 | 903 |
| Average earning assets | $823,696,200 | 879 |
| Average equity | $83,793,600 | 1,047 |
| Average total loans | $478,832,600 | 1,117 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 4,555 |
| Cost of funding earning assets | 0.1745% | 5,080 |
| Net interest margin | 3.7174% | 2,860 |
| Noninterest income to average assets | 2.2457% | 222 |
| Noninterest expense to average assets | 4.4204% | 323 |
| Loan and lease loss provision to assets | 0.2590% | 617 |
| Net operating income to assets | 0.7966% | 3,685 |
| Return on assets (ROA) | 0.7966% | 3,758 |
| Pretax return on assets | 1.0685% | 3,383 |
| Return on Equity (ROE) | 8.2416% | 3,218 |
| Retained earnings to average equity (ytd only) | 6.2302% | 2,264 |
| Net charge-offs to loans | 0.2599% | 672 |
| Credit loss provision to net charge-offs | 180.1948% | 1,426 |
| Earnings coverage of net charge-offs (x) | 9.2370% | 2,586 |
| Efficiency ratio | 76.8921% | 1,232 |
| Assets per employee ($millions) | 5.0064% | 2,559 |
| Cash dividends to net income (ytd only)* | 24.4046% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 1,999 |
| Loan loss allowance to noncurrent loans | 113.1333% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 1,901 |
| Noncurrent loans to loans | 1.1418% | 1,389 |
| Net loans and leases to total assets | 53.9961% | 4,184 |
| Net loans and leases to deposits | 61.2185% | 4,332 |
| Net loans and leases to core deposits | 65.4734% | 4,306 |
| Total domestic deposits to total assets | 88.2023% | 951 |
| Equity capital to assets | 9.5859% | 4,402 |
| Core capital (leverage) ratio | 10.9255% | 2,713 |
| Tier 1 risk-based capital ratio | 16.1522% | 2,371 |
| Total risk-based capital ratio | 17.2667% | 2,364 |
| Memoranda: | ||
| Average total assets | $857,271,000 | 914 |
| Average earning assets | $807,646,250 | 894 |
| Average equity | $82,862,500 | 1,050 |
| Average total loans | $473,941,250 | 1,125 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 4,651 |
| Cost of funding earning assets | 0.1267% | 5,198 |
| Net interest margin | 3.7160% | 2,882 |
| Noninterest income to average assets | 2.2703% | 219 |
| Noninterest expense to average assets | 4.4476% | 321 |
| Loan and lease loss provision to assets | 0.2624% | 575 |
| Net operating income to assets | 0.7915% | 3,686 |
| Return on assets (ROA) | 0.7915% | 3,746 |
| Pretax return on assets | 1.0613% | 3,346 |
| Return on Equity (ROE) | 8.1650% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.2140% | 2,182 |
| Net charge-offs to loans | 0.2484% | 681 |
| Credit loss provision to net charge-offs | 190.3945% | 1,263 |
| Earnings coverage of net charge-offs (x) | 9.6038% | 2,330 |
| Efficiency ratio | 77.0523% | 1,263 |
| Assets per employee ($millions) | 4.8539% | 2,661 |
| Cash dividends to net income (ytd only)* | 23.8949% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,125 |
| Loan loss allowance to noncurrent loans | 107.0574% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 1,731 |
| Noncurrent loans to loans | 1.1890% | 1,350 |
| Net loans and leases to total assets | 54.9164% | 4,151 |
| Net loans and leases to deposits | 62.5073% | 4,308 |
| Net loans and leases to core deposits | 66.8223% | 4,276 |
| Total domestic deposits to total assets | 87.8560% | 1,167 |
| Equity capital to assets | 9.7777% | 4,159 |
| Core capital (leverage) ratio | 11.4575% | 2,202 |
| Tier 1 risk-based capital ratio | 16.1190% | 2,361 |
| Total risk-based capital ratio | 17.2092% | 2,377 |
| Memoranda: | ||
| Average total assets | $845,981,330 | 921 |
| Average earning assets | $797,046,330 | 906 |
| Average equity | $82,008,670 | 1,054 |
| Average total loans | $469,429,000 | 1,134 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 4,729 |
| Cost of funding earning assets | 0.1006% | 5,283 |
| Net interest margin | 3.6824% | 2,961 |
| Noninterest income to average assets | 2.2411% | 208 |
| Noninterest expense to average assets | 4.4422% | 309 |
| Loan and lease loss provision to assets | 0.2645% | 536 |
| Net operating income to assets | 0.7501% | 3,771 |
| Return on assets (ROA) | 0.7501% | 3,819 |
| Pretax return on assets | 1.0045% | 3,420 |
| Return on Equity (ROE) | 7.7718% | 3,351 |
| Retained earnings to average equity (ytd only) | 5.7967% | 2,547 |
| Net charge-offs to loans | 0.2356% | 611 |
| Credit loss provision to net charge-offs | 202.5547% | 1,046 |
| Earnings coverage of net charge-offs (x) | 9.7190% | 2,003 |
| Efficiency ratio | 77.7639% | 1,296 |
| Assets per employee ($millions) | 4.3602% | 3,402 |
| Cash dividends to net income (ytd only)* | 25.4130% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,304 |
| Loan loss allowance to noncurrent loans | 100.0686% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 1,372 |
| Noncurrent loans to loans | 1.2522% | 1,316 |
| Net loans and leases to total assets | 60.2819% | 3,678 |
| Net loans and leases to deposits | 69.5426% | 3,799 |
| Net loans and leases to core deposits | 70.7817% | 4,024 |
| Total domestic deposits to total assets | 86.6834% | 1,972 |
| Equity capital to assets | 10.7411% | 3,113 |
| Core capital (leverage) ratio | 11.7440% | 1,945 |
| Tier 1 risk-based capital ratio | 16.2534% | 2,354 |
| Total risk-based capital ratio | 17.3247% | 2,352 |
| Memoranda: | ||
| Average total assets | $839,403,500 | 933 |
| Average earning assets | $791,015,000 | 912 |
| Average equity | $81,011,000 | 1,062 |
| Average total loans | $465,198,500 | 1,148 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5368% | 4,873 |
| Cost of funding earning assets | 0.0724% | 5,341 |
| Net interest margin | 3.4644% | 3,820 |
| Noninterest income to average assets | 2.2277% | 230 |
| Noninterest expense to average assets | 4.3083% | 363 |
| Loan and lease loss provision to assets | 0.2192% | 824 |
| Net operating income to assets | 0.7153% | 4,097 |
| Return on assets (ROA) | 0.7162% | 4,103 |
| Pretax return on assets | 0.9594% | 3,728 |
| Return on Equity (ROE) | 8.1702% | 3,366 |
| Retained earnings to average equity (ytd only) | 5.3775% | 2,548 |
| Net charge-offs to loans | 0.4149% | 446 |
| Credit loss provision to net charge-offs | 106.1776% | 2,407 |
| Earnings coverage of net charge-offs (x) | 5.7038% | 3,161 |
| Efficiency ratio | 78.5213% | 1,086 |
| Assets per employee ($millions) | 5.0876% | 2,397 |
| Cash dividends to net income (ytd only)* | 34.1812% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,591 |
| Loan loss allowance to noncurrent loans | 94.9906% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.0068% | 1,365 |
| Noncurrent loans to loans | 1.2590% | 1,264 |
| Net loans and leases to total assets | 50.1251% | 4,510 |
| Net loans and leases to deposits | 56.9485% | 4,620 |
| Net loans and leases to core deposits | 57.4866% | 4,716 |
| Total domestic deposits to total assets | 88.0183% | 1,287 |
| Equity capital to assets | 8.7427% | 4,772 |
| Core capital (leverage) ratio | 9.9804% | 3,604 |
| Tier 1 risk-based capital ratio | 15.5622% | 2,588 |
| Total risk-based capital ratio | 16.5517% | 2,624 |
| Memoranda: | ||
| Average total assets | $878,227,600 | 868 |
| Average earning assets | $825,933,000 | 850 |
| Average equity | $76,987,400 | 1,065 |
| Average total loans | $436,955,200 | 1,168 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4500% | 4,978 |
| Cost of funding earning assets | 0.0711% | 5,404 |
| Net interest margin | 3.3789% | 4,069 |
| Noninterest income to average assets | 2.2586% | 233 |
| Noninterest expense to average assets | 4.3636% | 334 |
| Loan and lease loss provision to assets | 0.2417% | 653 |
| Net operating income to assets | 0.6187% | 4,452 |
| Return on assets (ROA) | 0.6204% | 4,459 |
| Pretax return on assets | 0.8290% | 4,223 |
| Return on Equity (ROE) | 7.0725% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.8858% | 3,300 |
| Net charge-offs to loans | 0.4474% | 349 |
| Credit loss provision to net charge-offs | 109.1476% | 2,120 |
| Earnings coverage of net charge-offs (x) | 4.8254% | 3,016 |
| Efficiency ratio | 80.3153% | 915 |
| Assets per employee ($millions) | 4.9399% | 2,547 |
| Cash dividends to net income (ytd only)* | 30.9177% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,262 |
| Loan loss allowance to noncurrent loans | 94.1256% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.6528% | 755 |
| Noncurrent loans to loans | 1.3485% | 1,233 |
| Net loans and leases to total assets | 49.8854% | 4,605 |
| Net loans and leases to deposits | 56.3535% | 4,732 |
| Net loans and leases to core deposits | 56.8926% | 4,823 |
| Total domestic deposits to total assets | 88.5223% | 1,039 |
| Equity capital to assets | 8.8747% | 4,661 |
| Core capital (leverage) ratio | 10.2788% | 3,323 |
| Tier 1 risk-based capital ratio | 16.0989% | 2,408 |
| Total risk-based capital ratio | 17.1422% | 2,420 |
| Memoranda: | ||
| Average total assets | $868,842,750 | 873 |
| Average earning assets | $816,022,250 | 857 |
| Average equity | $76,218,500 | 1,068 |
| Average total loans | $430,047,750 | 1,183 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3405% | 5,104 |
| Cost of funding earning assets | 0.0680% | 5,460 |
| Net interest margin | 3.2725% | 4,325 |
| Noninterest income to average assets | 2.2612% | 233 |
| Noninterest expense to average assets | 4.3412% | 345 |
| Loan and lease loss provision to assets | 0.2418% | 645 |
| Net operating income to assets | 0.5685% | 4,593 |
| Return on assets (ROA) | 0.5710% | 4,585 |
| Pretax return on assets | 0.7616% | 4,362 |
| Return on Equity (ROE) | 6.5345% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.4266% | 3,386 |
| Net charge-offs to loans | 0.5115% | 298 |
| Credit loss provision to net charge-offs | 96.1538% | 2,104 |
| Earnings coverage of net charge-offs (x) | 3.9780% | 2,837 |
| Efficiency ratio | 81.2621% | 894 |
| Assets per employee ($millions) | 4.9120% | 2,537 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,385 |
| Loan loss allowance to noncurrent loans | 73.2872% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.8321% | 630 |
| Noncurrent loans to loans | 1.7178% | 926 |
| Net loans and leases to total assets | 47.6546% | 4,740 |
| Net loans and leases to deposits | 53.6239% | 4,856 |
| Net loans and leases to core deposits | 54.1925% | 4,929 |
| Total domestic deposits to total assets | 88.8683% | 985 |
| Equity capital to assets | 8.5913% | 4,879 |
| Core capital (leverage) ratio | 10.5692% | 2,958 |
| Tier 1 risk-based capital ratio | 16.1191% | 2,396 |
| Total risk-based capital ratio | 17.1445% | 2,419 |
| Memoranda: | ||
| Average total assets | $868,652,330 | 877 |
| Average earning assets | $817,595,670 | 861 |
| Average equity | $75,905,330 | 1,077 |
| Average total loans | $426,968,000 | 1,193 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2948% | 5,145 |
| Cost of funding earning assets | 0.0602% | 5,538 |
| Net interest margin | 3.2345% | 4,356 |
| Noninterest income to average assets | 2.2548% | 230 |
| Noninterest expense to average assets | 4.3549% | 336 |
| Loan and lease loss provision to assets | 0.2446% | 614 |
| Net operating income to assets | 0.5321% | 4,619 |
| Return on assets (ROA) | 0.5321% | 4,623 |
| Pretax return on assets | 0.7087% | 4,417 |
| Return on Equity (ROE) | 6.0370% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.9225% | 3,624 |
| Net charge-offs to loans | 0.2226% | 675 |
| Credit loss provision to net charge-offs | 221.5190% | 977 |
| Earnings coverage of net charge-offs (x) | 8.6329% | 2,018 |
| Efficiency ratio | 82.0225% | 944 |
| Assets per employee ($millions) | 4.3692% | 3,365 |
| Cash dividends to net income (ytd only)* | 35.0263% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 2,070 |
| Loan loss allowance to noncurrent loans | 43.9571% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.1546% | 496 |
| Noncurrent loans to loans | 3.0421% | 391 |
| Net loans and leases to total assets | 54.3787% | 4,249 |
| Net loans and leases to deposits | 62.2695% | 4,322 |
| Net loans and leases to core deposits | 63.0351% | 4,488 |
| Total domestic deposits to total assets | 87.3280% | 1,993 |
| Equity capital to assets | 9.7293% | 3,859 |
| Core capital (leverage) ratio | 10.7911% | 2,638 |
| Tier 1 risk-based capital ratio | 16.1059% | 2,421 |
| Total risk-based capital ratio | 17.2052% | 2,437 |
| Memoranda: | ||
| Average total assets | $858,443,500 | 891 |
| Average earning assets | $810,379,500 | 876 |
| Average equity | $75,666,500 | 1,087 |
| Average total loans | $425,909,500 | 1,201 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9525% | 5,387 |
| Cost of funding earning assets | 0.0635% | 5,590 |
| Net interest margin | 2.8890% | 5,061 |
| Noninterest income to average assets | 2.2419% | 251 |
| Noninterest expense to average assets | 4.0541% | 498 |
| Loan and lease loss provision to assets | 0.2119% | 937 |
| Net operating income to assets | 0.2901% | 4,945 |
| Return on assets (ROA) | 0.2901% | 4,961 |
| Pretax return on assets | 0.6962% | 4,517 |
| Return on Equity (ROE) | 3.3748% | 4,721 |
| Retained earnings to average equity (ytd only) | -1.2313% | 5,205 |
| Net charge-offs to loans | 0.8807% | 223 |
| Credit loss provision to net charge-offs | 55.7021% | 3,265 |
| Earnings coverage of net charge-offs (x) | 2.3867% | 3,750 |
| Efficiency ratio | 81.6837% | 951 |
| Assets per employee ($millions) | 5.3060% | 2,139 |
| Cash dividends to net income (ytd only)* | 136.4860% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 2,284 |
| Loan loss allowance to noncurrent loans | 44.7955% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.6898% | 760 |
| Noncurrent loans to loans | 2.8719% | 399 |
| Net loans and leases to total assets | 44.4786% | 4,954 |
| Net loans and leases to deposits | 49.7071% | 5,068 |
| Net loans and leases to core deposits | 50.2420% | 5,128 |
| Total domestic deposits to total assets | 89.4814% | 785 |
| Equity capital to assets | 8.0568% | 5,372 |
| Core capital (leverage) ratio | 9.6900% | 3,825 |
| Tier 1 risk-based capital ratio | 17.4234% | 1,960 |
| Total risk-based capital ratio | 18.5626% | 1,946 |
| Memoranda: | ||
| Average total assets | $896,466,800 | 835 |
| Average earning assets | $844,121,800 | 815 |
| Average equity | $77,070,800 | 1,049 |
| Average total loans | $387,315,400 | 1,269 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9191% | 5,470 |
| Cost of funding earning assets | 0.0652% | 5,650 |
| Net interest margin | 2.8539% | 5,152 |
| Noninterest income to average assets | 2.2635% | 254 |
| Noninterest expense to average assets | 4.1214% | 446 |
| Loan and lease loss provision to assets | 0.1468% | 1,429 |
| Net operating income to assets | 0.4446% | 4,891 |
| Return on assets (ROA) | 0.4446% | 4,922 |
| Pretax return on assets | 0.6778% | 4,662 |
| Return on Equity (ROE) | 5.0871% | 4,500 |
| Retained earnings to average equity (ytd only) | 3.0206% | 4,111 |
| Net charge-offs to loans | 1.0727% | 158 |
| Credit loss provision to net charge-offs | 32.0302% | 3,067 |
| Earnings coverage of net charge-offs (x) | 1.7996% | 3,545 |
| Efficiency ratio | 83.3136% | 813 |
| Assets per employee ($millions) | 4.6071% | 2,965 |
| Cash dividends to net income (ytd only)* | 40.6229% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 2,878 |
| Loan loss allowance to noncurrent loans | 38.9726% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.9820% | 656 |
| Noncurrent loans to loans | 3.1025% | 395 |
| Net loans and leases to total assets | 48.6796% | 4,786 |
| Net loans and leases to deposits | 55.6656% | 4,884 |
| Net loans and leases to core deposits | 56.3694% | 4,980 |
| Total domestic deposits to total assets | 87.4501% | 1,644 |
| Equity capital to assets | 9.5750% | 4,370 |
| Core capital (leverage) ratio | 10.6655% | 2,806 |
| Tier 1 risk-based capital ratio | 18.1833% | 1,808 |
| Total risk-based capital ratio | 19.2319% | 1,811 |
| Memoranda: | ||
| Average total assets | $885,793,000 | 852 |
| Average earning assets | $832,576,250 | 834 |
| Average equity | $77,422,000 | 1,047 |
| Average total loans | $378,351,750 | 1,300 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8305% | 5,544 |
| Cost of funding earning assets | 0.0653% | 5,690 |
| Net interest margin | 2.7652% | 5,295 |
| Noninterest income to average assets | 2.1866% | 282 |
| Noninterest expense to average assets | 4.0002% | 528 |
| Loan and lease loss provision to assets | 0.1322% | 1,577 |
| Net operating income to assets | 0.4122% | 4,952 |
| Return on assets (ROA) | 0.4122% | 4,978 |
| Pretax return on assets | 0.6573% | 4,665 |
| Return on Equity (ROE) | 4.8562% | 4,531 |
| Retained earnings to average equity (ytd only) | 2.7798% | 4,042 |
| Net charge-offs to loans | 0.2028% | 997 |
| Credit loss provision to net charge-offs | 160.0000% | 1,463 |
| Earnings coverage of net charge-offs (x) | 9.5547% | 2,422 |
| Efficiency ratio | 83.5035% | 878 |
| Assets per employee ($millions) | 5.7911% | 1,614 |
| Cash dividends to net income (ytd only)* | 42.7579% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 659 |
| Loan loss allowance to noncurrent loans | 59.4322% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 1,514 |
| Noncurrent loans to loans | 3.2775% | 371 |
| Net loans and leases to total assets | 34.1041% | 5,441 |
| Net loans and leases to deposits | 37.6965% | 5,514 |
| Net loans and leases to core deposits | 38.0558% | 5,544 |
| Total domestic deposits to total assets | 90.4702% | 369 |
| Equity capital to assets | 7.3457% | 5,675 |
| Core capital (leverage) ratio | 11.1313% | 2,290 |
| Tier 1 risk-based capital ratio | 19.1950% | 1,553 |
| Total risk-based capital ratio | 20.4498% | 1,496 |
| Memoranda: | ||
| Average total assets | $907,702,670 | 831 |
| Average earning assets | $854,482,330 | 809 |
| Average equity | $77,055,670 | 1,054 |
| Average total loans | $369,772,330 | 1,324 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8592% | 5,567 |
| Cost of funding earning assets | 0.0724% | 5,736 |
| Net interest margin | 2.7867% | 5,271 |
| Noninterest income to average assets | 2.3654% | 252 |
| Noninterest expense to average assets | 4.3763% | 364 |
| Loan and lease loss provision to assets | 0.1443% | 1,296 |
| Net operating income to assets | 0.2838% | 5,232 |
| Return on assets (ROA) | 0.2838% | 5,248 |
| Pretax return on assets | 0.4545% | 5,048 |
| Return on Equity (ROE) | 3.0785% | 5,075 |
| Retained earnings to average equity (ytd only) | 0.9914% | 4,663 |
| Net charge-offs to loans | 0.2052% | 850 |
| Credit loss provision to net charge-offs | 157.8947% | 1,173 |
| Earnings coverage of net charge-offs (x) | 6.5526% | 2,208 |
| Efficiency ratio | 87.9447% | 661 |
| Assets per employee ($millions) | 4.0824% | 3,872 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 859 |
| Loan loss allowance to noncurrent loans | 59.9440% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.6039% | 973 |
| Noncurrent loans to loans | 3.1016% | 434 |
| Net loans and leases to total assets | 50.7502% | 4,608 |
| Net loans and leases to deposits | 58.4311% | 4,674 |
| Net loans and leases to core deposits | 59.5747% | 4,795 |
| Total domestic deposits to total assets | 86.8547% | 2,285 |
| Equity capital to assets | 10.4497% | 3,236 |
| Core capital (leverage) ratio | 10.9537% | 2,403 |
| Tier 1 risk-based capital ratio | 18.7791% | 1,670 |
| Total risk-based capital ratio | 20.0333% | 1,625 |
| Memoranda: | ||
| Average total assets | $831,669,000 | 910 |
| Average earning assets | $778,832,500 | 896 |
| Average equity | $76,659,500 | 1,050 |
| Average total loans | $370,356,000 | 1,332 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6826% | 5,696 |
| Cost of funding earning assets | 0.0737% | 5,797 |
| Net interest margin | 2.6090% | 5,507 |
| Noninterest income to average assets | 2.3192% | 280 |
| Noninterest expense to average assets | 4.0971% | 532 |
| Loan and lease loss provision to assets | 0.0781% | 2,803 |
| Net operating income to assets | 0.3820% | 5,003 |
| Return on assets (ROA) | 0.3880% | 5,066 |
| Pretax return on assets | 0.6116% | 4,753 |
| Return on Equity (ROE) | 4.3936% | 4,708 |
| Retained earnings to average equity (ytd only) | 2.7137% | 3,975 |
| Net charge-offs to loans | 0.1488% | 1,774 |
| Credit loss provision to net charge-offs | 124.1379% | 2,155 |
| Earnings coverage of net charge-offs (x) | 10.8167% | 2,599 |
| Efficiency ratio | 85.7447% | 846 |
| Assets per employee ($millions) | 5.1872% | 2,199 |
| Cash dividends to net income (ytd only)* | 38.2353% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9281% | 765 |
| Loan loss allowance to noncurrent loans | 58.2838% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 1,378 |
| Noncurrent loans to loans | 3.3081% | 374 |
| Net loans and leases to total assets | 38.1003% | 5,399 |
| Net loans and leases to deposits | 42.6742% | 5,472 |
| Net loans and leases to core deposits | 43.2949% | 5,510 |
| Total domestic deposits to total assets | 89.2818% | 963 |
| Equity capital to assets | 8.2424% | 5,450 |
| Core capital (leverage) ratio | 9.8129% | 3,725 |
| Tier 1 risk-based capital ratio | 19.5895% | 1,456 |
| Total risk-based capital ratio | 20.8443% | 1,416 |
| Memoranda: | ||
| Average total assets | $876,191,400 | 828 |
| Average earning assets | $825,495,000 | 807 |
| Average equity | $77,384,600 | 1,027 |
| Average total loans | $370,237,600 | 1,272 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7284% | 5,750 |
| Cost of funding earning assets | 0.0757% | 5,855 |
| Net interest margin | 2.6527% | 5,541 |
| Noninterest income to average assets | 2.3633% | 280 |
| Noninterest expense to average assets | 4.2255% | 474 |
| Loan and lease loss provision to assets | 0.1057% | 2,167 |
| Net operating income to assets | 0.3347% | 5,200 |
| Return on assets (ROA) | 0.3429% | 5,263 |
| Pretax return on assets | 0.5465% | 5,014 |
| Return on Equity (ROE) | 3.8144% | 4,978 |
| Retained earnings to average equity (ytd only) | 2.2680% | 4,564 |
| Net charge-offs to loans | 0.1277% | 1,680 |
| Credit loss provision to net charge-offs | 191.5966% | 1,482 |
| Earnings coverage of net charge-offs (x) | 11.5938% | 2,474 |
| Efficiency ratio | 86.8415% | 747 |
| Assets per employee ($millions) | 4.6579% | 2,823 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9966% | 734 |
| Loan loss allowance to noncurrent loans | 58.9900% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.4617% | 1,238 |
| Noncurrent loans to loans | 3.3846% | 395 |
| Net loans and leases to total assets | 42.3244% | 5,279 |
| Net loans and leases to deposits | 48.0364% | 5,378 |
| Net loans and leases to core deposits | 48.8060% | 5,424 |
| Total domestic deposits to total assets | 88.1090% | 1,349 |
| Equity capital to assets | 9.4952% | 4,665 |
| Core capital (leverage) ratio | 10.1880% | 3,346 |
| Tier 1 risk-based capital ratio | 19.8257% | 1,480 |
| Total risk-based capital ratio | 21.0815% | 1,441 |
| Memoranda: | ||
| Average total assets | $863,113,000 | 840 |
| Average earning assets | $813,933,000 | 819 |
| Average equity | $77,598,000 | 1,028 |
| Average total loans | $372,617,500 | 1,266 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7295% | 5,829 |
| Cost of funding earning assets | 0.0730% | 5,947 |
| Net interest margin | 2.6565% | 5,612 |
| Noninterest income to average assets | 2.3654% | 272 |
| Noninterest expense to average assets | 4.2349% | 475 |
| Loan and lease loss provision to assets | 0.1564% | 1,455 |
| Net operating income to assets | 0.3028% | 5,315 |
| Return on assets (ROA) | 0.3149% | 5,369 |
| Pretax return on assets | 0.4984% | 5,133 |
| Return on Equity (ROE) | 3.5663% | 5,069 |
| Retained earnings to average equity (ytd only) | 2.0124% | 4,554 |
| Net charge-offs to loans | 0.0986% | 1,853 |
| Credit loss provision to net charge-offs | 367.7419% | 825 |
| Earnings coverage of net charge-offs (x) | 14.9462% | 2,027 |
| Efficiency ratio | 86.9318% | 799 |
| Assets per employee ($millions) | 4.7197% | 2,674 |
| Cash dividends to net income (ytd only)* | 43.5730% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0316% | 697 |
| Loan loss allowance to noncurrent loans | 59.6674% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.4603% | 1,326 |
| Noncurrent loans to loans | 3.4048% | 390 |
| Net loans and leases to total assets | 42.0174% | 5,339 |
| Net loans and leases to deposits | 47.5509% | 5,439 |
| Net loans and leases to core deposits | 48.2698% | 5,490 |
| Total domestic deposits to total assets | 88.3631% | 1,238 |
| Equity capital to assets | 9.3012% | 4,973 |
| Core capital (leverage) ratio | 10.4751% | 3,001 |
| Tier 1 risk-based capital ratio | 19.4908% | 1,570 |
| Total risk-based capital ratio | 20.7469% | 1,532 |
| Memoranda: | ||
| Average total assets | $874,450,670 | 833 |
| Average earning assets | $824,699,000 | 803 |
| Average equity | $77,222,330 | 1,032 |
| Average total loans | $377,469,670 | 1,256 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7219% | 5,897 |
| Cost of funding earning assets | 0.0695% | 6,015 |
| Net interest margin | 2.6524% | 5,662 |
| Noninterest income to average assets | 2.3203% | 279 |
| Noninterest expense to average assets | 4.2502% | 478 |
| Loan and lease loss provision to assets | 0.1534% | 1,376 |
| Net operating income to assets | 0.2590% | 5,413 |
| Return on assets (ROA) | 0.2615% | 5,475 |
| Pretax return on assets | 0.4217% | 5,262 |
| Return on Equity (ROE) | 3.0379% | 5,219 |
| Retained earnings to average equity (ytd only) | 1.4747% | 4,679 |
| Net charge-offs to loans | 0.0673% | 1,813 |
| Credit loss provision to net charge-offs | 526.1538% | 583 |
| Earnings coverage of net charge-offs (x) | 19.5846% | 1,499 |
| Efficiency ratio | 88.1362% | 803 |
| Assets per employee ($millions) | 4.4213% | 3,216 |
| Cash dividends to net income (ytd only)* | 51.4580% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 1,057 |
| Loan loss allowance to noncurrent loans | 58.7471% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.5100% | 1,347 |
| Noncurrent loans to loans | 3.1499% | 493 |
| Net loans and leases to total assets | 47.0506% | 5,043 |
| Net loans and leases to deposits | 54.2178% | 5,090 |
| Net loans and leases to core deposits | 55.3014% | 5,171 |
| Total domestic deposits to total assets | 86.7807% | 2,314 |
| Equity capital to assets | 9.6770% | 4,472 |
| Core capital (leverage) ratio | 10.6617% | 2,783 |
| Tier 1 risk-based capital ratio | 18.3052% | 1,907 |
| Total risk-based capital ratio | 19.5596% | 1,869 |
| Memoranda: | ||
| Average total assets | $891,624,000 | 815 |
| Average earning assets | $840,741,000 | 786 |
| Average equity | $76,763,500 | 1,039 |
| Average total loans | $386,049,500 | 1,232 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7570% | 5,910 |
| Cost of funding earning assets | 0.0777% | 6,044 |
| Net interest margin | 2.6793% | 5,672 |
| Noninterest income to average assets | 6.0276% | 106 |
| Noninterest expense to average assets | 4.3338% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.5739% | 140 |
| Return on assets (ROA) | 2.5730% | 142 |
| Pretax return on assets | 4.2319% | 68 |
| Return on Equity (ROE) | 31.2936% | 50 |
| Retained earnings to average equity (ytd only) | 28.8729% | 31 |
| Net charge-offs to loans | 0.1777% | 1,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 53.0954% | 961 |
| Efficiency ratio | 50.5767% | 5,732 |
| Assets per employee ($millions) | 5.3134% | 1,993 |
| Cash dividends to net income (ytd only)* | 7.7354% | 4,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7561% | 1,227 |
| Loan loss allowance to noncurrent loans | 55.6126% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 1,717 |
| Noncurrent loans to loans | 3.1577% | 489 |
| Net loans and leases to total assets | 38.8256% | 5,588 |
| Net loans and leases to deposits | 43.4399% | 5,668 |
| Net loans and leases to core deposits | 44.1445% | 5,709 |
| Total domestic deposits to total assets | 89.3778% | 922 |
| Equity capital to assets | 7.7403% | 5,934 |
| Core capital (leverage) ratio | 9.3764% | 4,359 |
| Tier 1 risk-based capital ratio | 17.8198% | 2,019 |
| Total risk-based capital ratio | 19.0766% | 1,964 |
| Memoranda: | ||
| Average total assets | $854,122,600 | 810 |
| Average earning assets | $809,581,400 | 774 |
| Average equity | $70,228,400 | 1,087 |
| Average total loans | $383,136,400 | 1,204 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8789% | 5,911 |
| Cost of funding earning assets | 0.0816% | 6,114 |
| Net interest margin | 2.7973% | 5,581 |
| Noninterest income to average assets | 7.5426% | 89 |
| Noninterest expense to average assets | 4.5564% | 392 |
| Loan and lease loss provision to assets | 0.1752% | 1,212 |
| Net operating income to assets | 3.3260% | 76 |
| Return on assets (ROA) | 3.3247% | 75 |
| Pretax return on assets | 5.4576% | 49 |
| Return on Equity (ROE) | 39.7388% | 25 |
| Retained earnings to average equity (ytd only) | 38.2846% | 12 |
| Net charge-offs to loans | 0.1177% | 1,947 |
| Credit loss provision to net charge-offs | 320.4748% | 911 |
| Earnings coverage of net charge-offs (x) | 103.0717% | 607 |
| Efficiency ratio | 44.7018% | 6,013 |
| Assets per employee ($millions) | 4.2237% | 3,472 |
| Cash dividends to net income (ytd only)* | 3.6594% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1902% | 676 |
| Loan loss allowance to noncurrent loans | 66.0684% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 1.6130% | 1,375 |
| Noncurrent loans to loans | 3.3150% | 494 |
| Net loans and leases to total assets | 47.3845% | 5,124 |
| Net loans and leases to deposits | 54.4262% | 5,225 |
| Net loans and leases to core deposits | 55.5814% | 5,328 |
| Total domestic deposits to total assets | 87.0618% | 2,004 |
| Equity capital to assets | 9.5999% | 4,637 |
| Core capital (leverage) ratio | 10.6175% | 2,907 |
| Tier 1 risk-based capital ratio | 18.5191% | 1,892 |
| Total risk-based capital ratio | 19.7837% | 1,852 |
| Memoranda: | ||
| Average total assets | $821,906,250 | 858 |
| Average earning assets | $778,204,500 | 820 |
| Average equity | $68,764,000 | 1,112 |
| Average total loans | $381,802,250 | 1,212 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8083% | 6,011 |
| Cost of funding earning assets | 0.0802% | 6,198 |
| Net interest margin | 2.7281% | 5,735 |
| Noninterest income to average assets | 9.9187% | 75 |
| Noninterest expense to average assets | 4.4282% | 451 |
| Loan and lease loss provision to assets | 0.2581% | 659 |
| Net operating income to assets | 4.7728% | 50 |
| Return on assets (ROA) | 4.7709% | 50 |
| Pretax return on assets | 7.8160% | 36 |
| Return on Equity (ROE) | 59.7519% | 16 |
| Retained earnings to average equity (ytd only) | 58.2552% | 8 |
| Net charge-offs to loans | 0.0761% | 2,302 |
| Credit loss provision to net charge-offs | 739.7260% | 464 |
| Earnings coverage of net charge-offs (x) | 231.4726% | 302 |
| Efficiency ratio | 35.4051% | 6,263 |
| Assets per employee ($millions) | 4.4390% | 3,080 |
| Cash dividends to net income (ytd only)* | 2.5048% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 794 |
| Loan loss allowance to noncurrent loans | 67.9089% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.5699% | 1,545 |
| Noncurrent loans to loans | 3.1646% | 600 |
| Net loans and leases to total assets | 48.0784% | 5,099 |
| Net loans and leases to deposits | 54.8924% | 5,195 |
| Net loans and leases to core deposits | 56.0709% | 5,305 |
| Total domestic deposits to total assets | 87.5866% | 1,850 |
| Equity capital to assets | 9.2598% | 4,942 |
| Core capital (leverage) ratio | 10.4324% | 3,046 |
| Tier 1 risk-based capital ratio | 18.1330% | 2,028 |
| Total risk-based capital ratio | 19.3982% | 1,985 |
| Memoranda: | ||
| Average total assets | $836,820,330 | 838 |
| Average earning assets | $793,370,330 | 798 |
| Average equity | $66,816,330 | 1,149 |
| Average total loans | $383,569,330 | 1,201 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7226% | 6,118 |
| Cost of funding earning assets | 0.0810% | 6,263 |
| Net interest margin | 2.6416% | 5,875 |
| Noninterest income to average assets | 16.9901% | 50 |
| Noninterest expense to average assets | 4.4328% | 448 |
| Loan and lease loss provision to assets | 0.2524% | 647 |
| Net operating income to assets | 9.0455% | 24 |
| Return on assets (ROA) | 9.0422% | 24 |
| Pretax return on assets | 14.8011% | 22 |
| Return on Equity (ROE) | 122.3713% | 5 |
| Retained earnings to average equity (ytd only) | 120.7898% | 3 |
| Net charge-offs to loans | 0.1108% | 1,632 |
| Credit loss provision to net charge-offs | 514.2857% | 531 |
| Earnings coverage of net charge-offs (x) | 306.8095% | 182 |
| Efficiency ratio | 22.7373% | 6,391 |
| Assets per employee ($millions) | 4.3628% | 3,257 |
| Cash dividends to net income (ytd only)* | 1.2924% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0664% | 969 |
| Loan loss allowance to noncurrent loans | 63.5701% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.6129% | 1,583 |
| Noncurrent loans to loans | 3.2506% | 632 |
| Net loans and leases to total assets | 47.3803% | 5,093 |
| Net loans and leases to deposits | 55.0576% | 5,122 |
| Net loans and leases to core deposits | 56.2519% | 5,238 |
| Total domestic deposits to total assets | 86.0558% | 2,911 |
| Equity capital to assets | 9.2678% | 5,008 |
| Core capital (leverage) ratio | 10.3358% | 3,179 |
| Tier 1 risk-based capital ratio | 17.9405% | 2,153 |
| Total risk-based capital ratio | 19.1971% | 2,111 |
| Memoranda: | ||
| Average total assets | $855,719,500 | 817 |
| Average earning assets | $810,264,500 | 786 |
| Average equity | $63,230,500 | 1,206 |
| Average total loans | $379,057,000 | 1,216 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9073% | 6,128 |
| Cost of funding earning assets | 0.1132% | 6,284 |
| Net interest margin | 2.7941% | 5,820 |
| Noninterest income to average assets | 2.5444% | 235 |
| Noninterest expense to average assets | 4.2324% | 586 |
| Loan and lease loss provision to assets | -0.0477% | 6,025 |
| Net operating income to assets | 0.5923% | 4,407 |
| Return on assets (ROA) | 0.5923% | 4,491 |
| Pretax return on assets | 0.9868% | 3,556 |
| Return on Equity (ROE) | 9.5021% | 2,341 |
| Retained earnings to average equity (ytd only) | 8.6989% | 769 |
| Net charge-offs to loans | 0.4713% | 885 |
| Credit loss provision to net charge-offs | -22.1729% | 5,360 |
| Earnings coverage of net charge-offs (x) | 4.3670% | 3,674 |
| Efficiency ratio | 81.8247% | 1,685 |
| Assets per employee ($millions) | 5.0686% | 2,236 |
| Cash dividends to net income (ytd only)* | 8.4524% | 4,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 1,104 |
| Loan loss allowance to noncurrent loans | 59.7658% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 1.4033% | 1,981 |
| Noncurrent loans to loans | 3.3570% | 631 |
| Net loans and leases to total assets | 39.9451% | 5,749 |
| Net loans and leases to deposits | 43.7867% | 5,883 |
| Net loans and leases to core deposits | 44.3970% | 5,947 |
| Total domestic deposits to total assets | 91.2265% | 292 |
| Equity capital to assets | 5.7632% | 6,428 |
| Core capital (leverage) ratio | 7.0976% | 6,297 |
| Tier 1 risk-based capital ratio | 12.1693% | 5,252 |
| Total risk-based capital ratio | 13.4243% | 5,157 |
| Memoranda: | ||
| Average total assets | $838,894,000 | 803 |
| Average earning assets | $788,739,800 | 772 |
| Average equity | $52,293,800 | 1,399 |
| Average total loans | $382,784,200 | 1,161 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0055% | 6,135 |
| Cost of funding earning assets | 0.1248% | 6,312 |
| Net interest margin | 2.8807% | 5,742 |
| Noninterest income to average assets | 2.6140% | 227 |
| Noninterest expense to average assets | 4.3729% | 522 |
| Loan and lease loss provision to assets | 0.2197% | 1,041 |
| Net operating income to assets | 0.4474% | 5,081 |
| Return on assets (ROA) | 0.4474% | 5,161 |
| Pretax return on assets | 0.7234% | 4,617 |
| Return on Equity (ROE) | 7.0284% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.5171% | 2,094 |
| Net charge-offs to loans | 0.4641% | 845 |
| Credit loss provision to net charge-offs | 100.7463% | 2,190 |
| Earnings coverage of net charge-offs (x) | 4.3246% | 3,487 |
| Efficiency ratio | 82.2440% | 1,583 |
| Assets per employee ($millions) | 4.1353% | 3,589 |
| Cash dividends to net income (ytd only)* | 7.2754% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5885% | 586 |
| Loan loss allowance to noncurrent loans | 40.2928% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 3.2460% | 693 |
| Noncurrent loans to loans | 6.4242% | 201 |
| Net loans and leases to total assets | 48.8556% | 5,123 |
| Net loans and leases to deposits | 54.4920% | 5,341 |
| Net loans and leases to core deposits | 55.8417% | 5,460 |
| Total domestic deposits to total assets | 89.6564% | 904 |
| Equity capital to assets | 7.1879% | 6,356 |
| Core capital (leverage) ratio | 7.4631% | 6,297 |
| Tier 1 risk-based capital ratio | 12.0990% | 5,426 |
| Total risk-based capital ratio | 13.3602% | 5,339 |
| Memoranda: | ||
| Average total assets | $819,263,250 | 826 |
| Average earning assets | $768,444,750 | 793 |
| Average equity | $52,149,000 | 1,406 |
| Average total loans | $384,988,750 | 1,154 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8728% | 6,279 |
| Cost of funding earning assets | 0.1254% | 6,381 |
| Net interest margin | 2.7475% | 5,992 |
| Noninterest income to average assets | 2.5162% | 237 |
| Noninterest expense to average assets | 4.2055% | 594 |
| Loan and lease loss provision to assets | 0.3203% | 594 |
| Net operating income to assets | 0.3453% | 5,419 |
| Return on assets (ROA) | 0.3453% | 5,490 |
| Pretax return on assets | 0.5700% | 5,056 |
| Return on Equity (ROE) | 5.6397% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.6397% | 2,551 |
| Net charge-offs to loans | 0.5296% | 773 |
| Credit loss provision to net charge-offs | 131.3230% | 1,597 |
| Earnings coverage of net charge-offs (x) | 3.6498% | 3,248 |
| Efficiency ratio | 82.5146% | 1,688 |
| Assets per employee ($millions) | 4.3547% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5971% | 616 |
| Loan loss allowance to noncurrent loans | 52.8705% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 2.4430% | 1,174 |
| Noncurrent loans to loans | 4.9123% | 408 |
| Net loans and leases to total assets | 47.9849% | 5,171 |
| Net loans and leases to deposits | 53.1614% | 5,408 |
| Net loans and leases to core deposits | 54.9266% | 5,493 |
| Total domestic deposits to total assets | 90.2627% | 679 |
| Equity capital to assets | 6.7395% | 6,475 |
| Core capital (leverage) ratio | 6.4354% | 6,498 |
| Tier 1 risk-based capital ratio | 11.5896% | 5,752 |
| Total risk-based capital ratio | 12.8510% | 5,697 |
| Memoranda: | ||
| Average total assets | $842,856,000 | 801 |
| Average earning assets | $791,348,330 | 778 |
| Average equity | $51,598,670 | 1,410 |
| Average total loans | $388,187,000 | 1,131 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7484% | 6,430 |
| Cost of funding earning assets | 0.1200% | 6,497 |
| Net interest margin | 2.6283% | 6,196 |
| Noninterest income to average assets | 2.4504% | 249 |
| Noninterest expense to average assets | 4.0428% | 720 |
| Loan and lease loss provision to assets | 0.3095% | 612 |
| Net operating income to assets | 0.3439% | 5,335 |
| Return on assets (ROA) | 0.3439% | 5,396 |
| Pretax return on assets | 0.5677% | 4,942 |
| Return on Equity (ROE) | 5.8841% | 4,080 |
| Retained earnings to average equity (ytd only) | 5.8841% | 2,601 |
| Net charge-offs to loans | 0.5683% | 649 |
| Credit loss provision to net charge-offs | 122.0615% | 1,443 |
| Earnings coverage of net charge-offs (x) | 3.4593% | 2,682 |
| Efficiency ratio | 82.1528% | 1,909 |
| Assets per employee ($millions) | 4.5067% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5594% | 756 |
| Loan loss allowance to noncurrent loans | 46.7958% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 2.5608% | 1,236 |
| Noncurrent loans to loans | 5.4694% | 366 |
| Net loans and leases to total assets | 45.6215% | 5,368 |
| Net loans and leases to deposits | 50.1336% | 5,588 |
| Net loans and leases to core deposits | 51.8599% | 5,625 |
| Total domestic deposits to total assets | 90.9998% | 568 |
| Equity capital to assets | 6.2855% | 6,546 |
| Core capital (leverage) ratio | 6.7396% | 6,515 |
| Tier 1 risk-based capital ratio | 11.3626% | 5,988 |
| Total risk-based capital ratio | 12.6237% | 5,932 |
| Memoranda: | ||
| Average total assets | $872,363,000 | 779 |
| Average earning assets | $819,680,000 | 755 |
| Average equity | $50,984,500 | 1,419 |
| Average total loans | $389,203,000 | 1,139 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7688% | 6,510 |
| Cost of funding earning assets | 0.1361% | 6,588 |
| Net interest margin | 2.6327% | 6,226 |
| Noninterest income to average assets | 2.5280% | 278 |
| Noninterest expense to average assets | 4.2725% | 649 |
| Loan and lease loss provision to assets | 0.3076% | 1,086 |
| Net operating income to assets | 0.2869% | 5,567 |
| Return on assets (ROA) | 0.2869% | 5,660 |
| Pretax return on assets | 0.4540% | 5,346 |
| Return on Equity (ROE) | 4.9968% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.7908% | 2,738 |
| Net charge-offs to loans | 0.5109% | 1,290 |
| Credit loss provision to net charge-offs | 139.4102% | 1,674 |
| Earnings coverage of net charge-offs (x) | 3.4515% | 3,848 |
| Efficiency ratio | 84.8551% | 1,533 |
| Assets per employee ($millions) | 4.9973% | 2,184 |
| Cash dividends to net income (ytd only)* | 4.1237% | 4,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4614% | 866 |
| Loan loss allowance to noncurrent loans | 48.5301% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 2.1636% | 1,649 |
| Noncurrent loans to loans | 5.0718% | 485 |
| Net loans and leases to total assets | 41.6085% | 5,850 |
| Net loans and leases to deposits | 45.1921% | 6,062 |
| Net loans and leases to core deposits | 46.6234% | 6,109 |
| Total domestic deposits to total assets | 92.0702% | 270 |
| Equity capital to assets | 5.4531% | 6,658 |
| Core capital (leverage) ratio | 6.5365% | 6,590 |
| Tier 1 risk-based capital ratio | 10.9090% | 6,212 |
| Total risk-based capital ratio | 12.1691% | 6,158 |
| Memoranda: | ||
| Average total assets | $845,218,600 | 786 |
| Average earning assets | $804,574,800 | 744 |
| Average equity | $48,530,800 | 1,456 |
| Average total loans | $365,013,600 | 1,171 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7906% | 6,572 |
| Cost of funding earning assets | 0.1456% | 6,655 |
| Net interest margin | 2.6450% | 6,258 |
| Noninterest income to average assets | 2.5789% | 285 |
| Noninterest expense to average assets | 4.3619% | 597 |
| Loan and lease loss provision to assets | 0.2827% | 1,225 |
| Net operating income to assets | 0.2922% | 5,641 |
| Return on assets (ROA) | 0.2922% | 5,750 |
| Pretax return on assets | 0.4557% | 5,484 |
| Return on Equity (ROE) | 5.0186% | 4,715 |
| Retained earnings to average equity (ytd only) | 5.0186% | 3,068 |
| Net charge-offs to loans | 0.3847% | 1,665 |
| Credit loss provision to net charge-offs | 169.5736% | 1,405 |
| Earnings coverage of net charge-offs (x) | 4.4292% | 3,443 |
| Efficiency ratio | 85.5071% | 1,414 |
| Assets per employee ($millions) | 4.1760% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5063% | 926 |
| Loan loss allowance to noncurrent loans | 47.6027% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 2.6636% | 1,416 |
| Noncurrent loans to loans | 5.2649% | 543 |
| Net loans and leases to total assets | 49.3241% | 5,210 |
| Net loans and leases to deposits | 54.3259% | 5,507 |
| Net loans and leases to core deposits | 56.4781% | 5,581 |
| Total domestic deposits to total assets | 90.7930% | 617 |
| Equity capital to assets | 6.1871% | 6,675 |
| Core capital (leverage) ratio | 6.8665% | 6,613 |
| Tier 1 risk-based capital ratio | 11.0239% | 6,272 |
| Total risk-based capital ratio | 12.2849% | 6,227 |
| Memoranda: | ||
| Average total assets | $825,398,500 | 809 |
| Average earning assets | $786,811,000 | 772 |
| Average equity | $48,060,000 | 1,472 |
| Average total loans | $357,672,750 | 1,198 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6239% | 6,697 |
| Cost of funding earning assets | 0.1503% | 6,706 |
| Net interest margin | 2.4736% | 6,474 |
| Noninterest income to average assets | 2.5188% | 316 |
| Noninterest expense to average assets | 4.2762% | 640 |
| Loan and lease loss provision to assets | 0.2778% | 1,323 |
| Net operating income to assets | 0.1977% | 5,896 |
| Return on assets (ROA) | 0.1977% | 6,023 |
| Pretax return on assets | 0.3263% | 5,804 |
| Return on Equity (ROE) | 3.4603% | 5,444 |
| Retained earnings to average equity (ytd only) | 3.4603% | 4,119 |
| Net charge-offs to loans | 0.3092% | 1,947 |
| Credit loss provision to net charge-offs | 218.4015% | 1,110 |
| Earnings coverage of net charge-offs (x) | 4.7491% | 3,046 |
| Efficiency ratio | 87.6060% | 1,265 |
| Assets per employee ($millions) | 4.4763% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6770% | 805 |
| Loan loss allowance to noncurrent loans | 44.6972% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 2.6101% | 1,605 |
| Noncurrent loans to loans | 5.9892% | 474 |
| Net loans and leases to total assets | 42.4134% | 5,871 |
| Net loans and leases to deposits | 46.3334% | 6,083 |
| Net loans and leases to core deposits | 48.4164% | 6,112 |
| Total domestic deposits to total assets | 91.5396% | 364 |
| Equity capital to assets | 5.6794% | 6,769 |
| Core capital (leverage) ratio | 6.5817% | 6,686 |
| Tier 1 risk-based capital ratio | 11.4140% | 6,153 |
| Total risk-based capital ratio | 12.6761% | 6,110 |
| Memoranda: | ||
| Average total assets | $845,792,670 | 785 |
| Average earning assets | $807,500,670 | 748 |
| Average equity | $48,319,000 | 1,475 |
| Average total loans | $348,019,330 | 1,217 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5689% | 6,793 |
| Cost of funding earning assets | 0.1550% | 6,784 |
| Net interest margin | 2.4139% | 6,581 |
| Noninterest income to average assets | 2.4830% | 322 |
| Noninterest expense to average assets | 4.1486% | 757 |
| Loan and lease loss provision to assets | 0.3151% | 1,079 |
| Net operating income to assets | 0.2007% | 5,890 |
| Return on assets (ROA) | 0.2007% | 5,998 |
| Pretax return on assets | 0.3310% | 5,775 |
| Return on Equity (ROE) | 3.5038% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.5038% | 4,140 |
| Net charge-offs to loans | 0.3748% | 1,518 |
| Credit loss provision to net charge-offs | 210.2804% | 1,047 |
| Earnings coverage of net charge-offs (x) | 4.3115% | 2,580 |
| Efficiency ratio | 86.5057% | 1,457 |
| Assets per employee ($millions) | 4.3319% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7217% | 890 |
| Loan loss allowance to noncurrent loans | 41.7963% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 2.8880% | 1,562 |
| Noncurrent loans to loans | 6.5118% | 492 |
| Net loans and leases to total assets | 42.5128% | 5,809 |
| Net loans and leases to deposits | 46.9269% | 5,994 |
| Net loans and leases to core deposits | 49.1902% | 6,020 |
| Total domestic deposits to total assets | 90.5936% | 719 |
| Equity capital to assets | 6.2731% | 6,809 |
| Core capital (leverage) ratio | 6.5419% | 6,739 |
| Tier 1 risk-based capital ratio | 12.3724% | 5,660 |
| Total risk-based capital ratio | 13.6352% | 5,604 |
| Memoranda: | ||
| Average total assets | $856,865,500 | 781 |
| Average earning assets | $820,570,500 | 739 |
| Average equity | $49,089,500 | 1,474 |
| Average total loans | $342,556,000 | 1,240 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6227% | 6,899 |
| Cost of funding earning assets | 0.1743% | 6,882 |
| Net interest margin | 2.4484% | 6,740 |
| Noninterest income to average assets | 2.5430% | 311 |
| Noninterest expense to average assets | 4.0738% | 897 |
| Loan and lease loss provision to assets | 0.3085% | 2,211 |
| Net operating income to assets | 0.3082% | 5,443 |
| Return on assets (ROA) | 0.3087% | 5,644 |
| Pretax return on assets | 0.4854% | 5,327 |
| Return on Equity (ROE) | 5.7284% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.5184% | 2,371 |
| Net charge-offs to loans | 1.0241% | 1,056 |
| Credit loss provision to net charge-offs | 76.3519% | 3,953 |
| Earnings coverage of net charge-offs (x) | 1.9630% | 4,439 |
| Efficiency ratio | 83.6873% | 1,664 |
| Assets per employee ($millions) | 5.1362% | 2,058 |
| Cash dividends to net income (ytd only)* | 3.6670% | 4,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6199% | 1,003 |
| Loan loss allowance to noncurrent loans | 39.5957% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 2.4730% | 1,977 |
| Noncurrent loans to loans | 6.6166% | 497 |
| Net loans and leases to total assets | 35.8716% | 6,442 |
| Net loans and leases to deposits | 39.0105% | 6,597 |
| Net loans and leases to core deposits | 40.6028% | 6,596 |
| Total domestic deposits to total assets | 91.9537% | 250 |
| Equity capital to assets | 5.2700% | 6,932 |
| Core capital (leverage) ratio | 6.0520% | 6,854 |
| Tier 1 risk-based capital ratio | 12.1488% | 5,687 |
| Total risk-based capital ratio | 13.4104% | 5,638 |
| Memoranda: | ||
| Average total assets | $883,334,400 | 744 |
| Average earning assets | $838,408,200 | 714 |
| Average equity | $47,604,600 | 1,469 |
| Average total loans | $348,497,600 | 1,205 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6443% | 7,016 |
| Cost of funding earning assets | 0.1830% | 6,974 |
| Net interest margin | 2.4613% | 6,852 |
| Noninterest income to average assets | 2.5682% | 306 |
| Noninterest expense to average assets | 4.1229% | 801 |
| Loan and lease loss provision to assets | 0.3212% | 2,053 |
| Net operating income to assets | 0.2757% | 5,696 |
| Return on assets (ROA) | 0.2764% | 5,889 |
| Pretax return on assets | 0.4562% | 5,581 |
| Return on Equity (ROE) | 5.0982% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.8160% | 3,499 |
| Net charge-offs to loans | 0.8750% | 1,255 |
| Credit loss provision to net charge-offs | 91.4236% | 3,253 |
| Earnings coverage of net charge-offs (x) | 2.2098% | 4,155 |
| Efficiency ratio | 84.1382% | 1,577 |
| Assets per employee ($millions) | 4.5349% | 2,855 |
| Cash dividends to net income (ytd only)* | 5.5340% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8246% | 864 |
| Loan loss allowance to noncurrent loans | 41.0577% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 2.8947% | 1,810 |
| Noncurrent loans to loans | 6.8796% | 534 |
| Net loans and leases to total assets | 40.0952% | 6,274 |
| Net loans and leases to deposits | 44.0843% | 6,495 |
| Net loans and leases to core deposits | 46.1775% | 6,509 |
| Total domestic deposits to total assets | 90.9513% | 425 |
| Equity capital to assets | 5.8812% | 6,996 |
| Core capital (leverage) ratio | 6.1577% | 6,935 |
| Tier 1 risk-based capital ratio | 12.0500% | 5,909 |
| Total risk-based capital ratio | 13.3136% | 5,889 |
| Memoranda: | ||
| Average total assets | $871,753,500 | 759 |
| Average earning assets | $825,601,250 | 730 |
| Average equity | $47,257,500 | 1,491 |
| Average total loans | $350,008,250 | 1,201 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6242% | 7,095 |
| Cost of funding earning assets | 0.1870% | 7,057 |
| Net interest margin | 2.4371% | 6,938 |
| Noninterest income to average assets | 2.5078% | 297 |
| Noninterest expense to average assets | 4.0441% | 894 |
| Loan and lease loss provision to assets | 0.4734% | 1,345 |
| Net operating income to assets | 0.1811% | 5,973 |
| Return on assets (ROA) | 0.1821% | 6,143 |
| Pretax return on assets | 0.3005% | 5,964 |
| Return on Equity (ROE) | 3.4508% | 5,509 |
| Retained earnings to average equity (ytd only) | 3.0237% | 4,628 |
| Net charge-offs to loans | 0.9576% | 1,157 |
| Credit loss provision to net charge-offs | 124.1869% | 2,211 |
| Earnings coverage of net charge-offs (x) | 2.0260% | 3,976 |
| Efficiency ratio | 83.9465% | 1,640 |
| Assets per employee ($millions) | 5.2320% | 1,888 |
| Cash dividends to net income (ytd only)* | 12.3762% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9657% | 809 |
| Loan loss allowance to noncurrent loans | 40.2132% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 2.7575% | 1,998 |
| Noncurrent loans to loans | 7.3748% | 506 |
| Net loans and leases to total assets | 34.3782% | 6,711 |
| Net loans and leases to deposits | 37.1793% | 6,836 |
| Net loans and leases to core deposits | 38.7771% | 6,842 |
| Total domestic deposits to total assets | 92.4662% | 166 |
| Equity capital to assets | 4.8615% | 7,100 |
| Core capital (leverage) ratio | 5.8420% | 7,004 |
| Tier 1 risk-based capital ratio | 11.7947% | 6,059 |
| Total risk-based capital ratio | 13.0602% | 6,025 |
| Memoranda: | ||
| Average total assets | $887,223,670 | 746 |
| Average earning assets | $840,420,000 | 718 |
| Average equity | $46,830,000 | 1,492 |
| Average total loans | $353,163,670 | 1,184 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7668% | 7,120 |
| Cost of funding earning assets | 0.2025% | 7,099 |
| Net interest margin | 2.5643% | 6,902 |
| Noninterest income to average assets | 2.6423% | 280 |
| Noninterest expense to average assets | 4.2968% | 668 |
| Loan and lease loss provision to assets | 0.4975% | 1,224 |
| Net operating income to assets | 0.1649% | 6,079 |
| Return on assets (ROA) | 0.1649% | 6,215 |
| Pretax return on assets | 0.2720% | 6,032 |
| Return on Equity (ROE) | 2.9878% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.9878% | 4,761 |
| Net charge-offs to loans | 0.8082% | 1,271 |
| Credit loss provision to net charge-offs | 145.4294% | 1,703 |
| Earnings coverage of net charge-offs (x) | 2.2493% | 3,267 |
| Efficiency ratio | 84.7938% | 1,598 |
| Assets per employee ($millions) | 4.4382% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8756% | 933 |
| Loan loss allowance to noncurrent loans | 36.0061% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 3.7364% | 1,501 |
| Noncurrent loans to loans | 7.9864% | 486 |
| Net loans and leases to total assets | 42.4157% | 6,157 |
| Net loans and leases to deposits | 46.7063% | 6,373 |
| Net loans and leases to core deposits | 49.2915% | 6,380 |
| Total domestic deposits to total assets | 90.8137% | 637 |
| Equity capital to assets | 5.7719% | 7,091 |
| Core capital (leverage) ratio | 6.2701% | 7,001 |
| Tier 1 risk-based capital ratio | 11.2427% | 6,422 |
| Total risk-based capital ratio | 12.5070% | 6,393 |
| Memoranda: | ||
| Average total assets | $844,256,000 | 790 |
| Average earning assets | $798,027,500 | 754 |
| Average equity | $46,590,000 | 1,494 |
| Average total loans | $357,355,500 | 1,174 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0380% | 7,172 |
| Cost of funding earning assets | 0.2567% | 7,170 |
| Net interest margin | 2.7813% | 6,839 |
| Noninterest income to average assets | 2.8424% | 224 |
| Noninterest expense to average assets | 4.6004% | 528 |
| Loan and lease loss provision to assets | 0.7529% | 1,340 |
| Net operating income to assets | 0.0742% | 5,915 |
| Return on assets (ROA) | 0.2201% | 5,664 |
| Pretax return on assets | 0.2818% | 5,608 |
| Return on Equity (ROE) | 3.4579% | 5,091 |
| Retained earnings to average equity (ytd only) | -10.5114% | 6,717 |
| Net charge-offs to loans | 1.2741% | 1,301 |
| Credit loss provision to net charge-offs | 131.4055% | 2,324 |
| Earnings coverage of net charge-offs (x) | 1.4793% | 4,657 |
| Efficiency ratio | 84.4279% | 1,715 |
| Assets per employee ($millions) | 4.7352% | 2,541 |
| Cash dividends to net income (ytd only)* | 403.9845% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7120% | 1,069 |
| Loan loss allowance to noncurrent loans | 34.1296% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 3.4590% | 1,716 |
| Noncurrent loans to loans | 7.9461% | 507 |
| Net loans and leases to total assets | 39.9810% | 6,546 |
| Net loans and leases to deposits | 43.6591% | 6,736 |
| Net loans and leases to core deposits | 46.0583% | 6,735 |
| Total domestic deposits to total assets | 91.5755% | 312 |
| Equity capital to assets | 5.2860% | 7,151 |
| Core capital (leverage) ratio | 5.9651% | 7,061 |
| Tier 1 risk-based capital ratio | 10.9419% | 6,482 |
| Total risk-based capital ratio | 12.2046% | 6,456 |
| Memoranda: | ||
| Average total assets | $820,879,000 | 792 |
| Average earning assets | $768,983,600 | 772 |
| Average equity | $52,257,600 | 1,304 |
| Average total loans | $369,110,800 | 1,148 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1480% | 7,223 |
| Cost of funding earning assets | 0.2767% | 7,249 |
| Net interest margin | 2.8713% | 6,797 |
| Noninterest income to average assets | 2.9197% | 226 |
| Noninterest expense to average assets | 4.7685% | 455 |
| Loan and lease loss provision to assets | 0.5790% | 1,697 |
| Net operating income to assets | 0.1494% | 5,837 |
| Return on assets (ROA) | 0.2278% | 5,759 |
| Pretax return on assets | 0.3759% | 5,539 |
| Return on Equity (ROE) | 3.4200% | 5,262 |
| Retained earnings to average equity (ytd only) | 0.4396% | 5,817 |
| Net charge-offs to loans | 0.6079% | 2,427 |
| Credit loss provision to net charge-offs | 206.9781% | 1,415 |
| Earnings coverage of net charge-offs (x) | 2.9752% | 3,651 |
| Efficiency ratio | 85.1244% | 1,626 |
| Assets per employee ($millions) | 4.1417% | 3,560 |
| Cash dividends to net income (ytd only)* | 87.1462% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7705% | 1,060 |
| Loan loss allowance to noncurrent loans | 73.7983% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 2.2686% | 2,825 |
| Noncurrent loans to loans | 3.7541% | 1,811 |
| Net loans and leases to total assets | 45.9832% | 6,152 |
| Net loans and leases to deposits | 51.4670% | 6,412 |
| Net loans and leases to core deposits | 55.1626% | 6,379 |
| Total domestic deposits to total assets | 89.3451% | 1,225 |
| Equity capital to assets | 6.9842% | 7,058 |
| Core capital (leverage) ratio | 7.4633% | 6,782 |
| Tier 1 risk-based capital ratio | 12.4999% | 5,485 |
| Total risk-based capital ratio | 13.7633% | 5,469 |
| Memoranda: | ||
| Average total assets | $805,910,000 | 821 |
| Average earning assets | $752,544,250 | 794 |
| Average equity | $53,682,750 | 1,267 |
| Average total loans | $370,900,750 | 1,154 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1109% | 7,311 |
| Cost of funding earning assets | 0.2939% | 7,316 |
| Net interest margin | 2.8170% | 6,901 |
| Noninterest income to average assets | 2.9530% | 224 |
| Noninterest expense to average assets | 4.6878% | 493 |
| Loan and lease loss provision to assets | 0.6002% | 1,610 |
| Net operating income to assets | 0.1789% | 5,807 |
| Return on assets (ROA) | 0.2278% | 5,754 |
| Pretax return on assets | 0.3761% | 5,467 |
| Return on Equity (ROE) | 3.4736% | 5,181 |
| Retained earnings to average equity (ytd only) | -1.0085% | 6,052 |
| Net charge-offs to loans | 0.5558% | 2,438 |
| Credit loss provision to net charge-offs | 236.7150% | 1,276 |
| Earnings coverage of net charge-offs (x) | 3.5488% | 3,137 |
| Efficiency ratio | 83.8828% | 1,829 |
| Assets per employee ($millions) | 4.0450% | 3,668 |
| Cash dividends to net income (ytd only)* | 129.0323% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6349% | 1,263 |
| Loan loss allowance to noncurrent loans | 79.3460% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 2.1112% | 3,091 |
| Noncurrent loans to loans | 3.3208% | 2,151 |
| Net loans and leases to total assets | 46.1686% | 6,253 |
| Net loans and leases to deposits | 51.5140% | 6,502 |
| Net loans and leases to core deposits | 55.6953% | 6,435 |
| Total domestic deposits to total assets | 89.6234% | 1,175 |
| Equity capital to assets | 6.8456% | 7,134 |
| Core capital (leverage) ratio | 7.3797% | 6,824 |
| Tier 1 risk-based capital ratio | 12.2277% | 5,580 |
| Total risk-based capital ratio | 13.4879% | 5,559 |
| Memoranda: | ||
| Average total assets | $816,380,000 | 821 |
| Average earning assets | $763,512,330 | 792 |
| Average equity | $53,546,000 | 1,257 |
| Average total loans | $372,438,330 | 1,171 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0952% | 7,376 |
| Cost of funding earning assets | 0.3080% | 7,376 |
| Net interest margin | 2.7872% | 6,926 |
| Noninterest income to average assets | 2.9603% | 228 |
| Noninterest expense to average assets | 4.7128% | 473 |
| Loan and lease loss provision to assets | 0.5035% | 1,727 |
| Net operating income to assets | 0.2129% | 5,748 |
| Return on assets (ROA) | 0.2129% | 5,810 |
| Pretax return on assets | 0.3515% | 5,500 |
| Return on Equity (ROE) | 3.3136% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.5673% | 4,622 |
| Net charge-offs to loans | 0.6178% | 1,964 |
| Credit loss provision to net charge-offs | 181.9757% | 1,607 |
| Earnings coverage of net charge-offs (x) | 3.0901% | 2,857 |
| Efficiency ratio | 84.6280% | 1,881 |
| Assets per employee ($millions) | 3.9160% | 4,036 |
| Cash dividends to net income (ytd only)* | 22.5225% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4067% | 1,597 |
| Loan loss allowance to noncurrent loans | 69.7152% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.2692% | 2,981 |
| Noncurrent loans to loans | 3.4521% | 2,168 |
| Net loans and leases to total assets | 47.7750% | 6,108 |
| Net loans and leases to deposits | 57.2622% | 5,997 |
| Net loans and leases to core deposits | 62.0130% | 5,920 |
| Total domestic deposits to total assets | 83.4320% | 4,731 |
| Equity capital to assets | 7.1604% | 7,033 |
| Core capital (leverage) ratio | 7.5008% | 6,728 |
| Tier 1 risk-based capital ratio | 12.6013% | 5,165 |
| Total risk-based capital ratio | 13.8610% | 5,135 |
| Memoranda: | ||
| Average total assets | $834,231,000 | 803 |
| Average earning assets | $780,438,500 | 777 |
| Average equity | $53,598,000 | 1,249 |
| Average total loans | $373,566,500 | 1,183 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5559% | 7,366 |
| Cost of funding earning assets | 0.4027% | 7,425 |
| Net interest margin | 3.1532% | 6,380 |
| Noninterest income to average assets | 3.0674% | 227 |
| Noninterest expense to average assets | 4.9211% | 449 |
| Loan and lease loss provision to assets | 0.6732% | 2,452 |
| Net operating income to assets | 0.2486% | 5,112 |
| Return on assets (ROA) | 0.3831% | 4,766 |
| Pretax return on assets | 0.6099% | 4,287 |
| Return on Equity (ROE) | 5.5960% | 3,793 |
| Retained earnings to average equity (ytd only) | 0.5747% | 5,295 |
| Net charge-offs to loans | 2.1751% | 900 |
| Credit loss provision to net charge-offs | 60.8166% | 6,068 |
| Earnings coverage of net charge-offs (x) | 0.9693% | 5,139 |
| Efficiency ratio | 82.0912% | 2,152 |
| Assets per employee ($millions) | 4.6964% | 2,563 |
| Cash dividends to net income (ytd only)* | 89.7308% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1888% | 1,892 |
| Loan loss allowance to noncurrent loans | 56.5816% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 2.1002% | 3,221 |
| Noncurrent loans to loans | 3.8684% | 1,899 |
| Net loans and leases to total assets | 40.4827% | 6,938 |
| Net loans and leases to deposits | 47.9529% | 6,953 |
| Net loans and leases to core deposits | 50.9242% | 6,949 |
| Total domestic deposits to total assets | 84.4219% | 4,161 |
| Equity capital to assets | 5.8271% | 7,365 |
| Core capital (leverage) ratio | 7.5220% | 6,689 |
| Tier 1 risk-based capital ratio | 12.0238% | 5,446 |
| Total risk-based capital ratio | 13.2827% | 5,425 |
| Memoranda: | ||
| Average total assets | $785,493,200 | 860 |
| Average earning assets | $729,062,800 | 842 |
| Average equity | $53,770,400 | 1,242 |
| Average total loans | $399,756,400 | 1,130 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 7,414 |
| Cost of funding earning assets | 0.4343% | 7,534 |
| Net interest margin | 3.3485% | 5,851 |
| Noninterest income to average assets | 3.1567% | 213 |
| Noninterest expense to average assets | 5.1822% | 326 |
| Loan and lease loss provision to assets | 0.7201% | 2,121 |
| Net operating income to assets | 0.2198% | 5,447 |
| Return on assets (ROA) | 0.4072% | 4,894 |
| Pretax return on assets | 0.6447% | 4,442 |
| Return on Equity (ROE) | 5.6897% | 3,967 |
| Retained earnings to average equity (ytd only) | 1.9726% | 4,966 |
| Net charge-offs to loans | 2.2143% | 809 |
| Credit loss provision to net charge-offs | 60.4437% | 5,678 |
| Earnings coverage of net charge-offs (x) | 0.8998% | 5,154 |
| Efficiency ratio | 82.8597% | 1,965 |
| Assets per employee ($millions) | 3.7479% | 4,396 |
| Cash dividends to net income (ytd only)* | 65.3309% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3532% | 1,539 |
| Loan loss allowance to noncurrent loans | 57.2896% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.6690% | 2,706 |
| Noncurrent loans to loans | 4.1075% | 1,799 |
| Net loans and leases to total assets | 51.0809% | 6,210 |
| Net loans and leases to deposits | 61.7672% | 6,140 |
| Net loans and leases to core deposits | 67.2898% | 6,010 |
| Total domestic deposits to total assets | 82.6991% | 4,716 |
| Equity capital to assets | 7.3916% | 7,184 |
| Core capital (leverage) ratio | 8.3489% | 5,793 |
| Tier 1 risk-based capital ratio | 12.4134% | 5,069 |
| Total risk-based capital ratio | 13.6724% | 5,023 |
| Memoranda: | ||
| Average total assets | $751,740,500 | 897 |
| Average earning assets | $695,374,000 | 885 |
| Average equity | $53,803,250 | 1,243 |
| Average total loans | $404,449,500 | 1,126 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8218% | 7,474 |
| Cost of funding earning assets | 0.4426% | 7,617 |
| Net interest margin | 3.3792% | 5,720 |
| Noninterest income to average assets | 3.1438% | 211 |
| Noninterest expense to average assets | 5.2039% | 323 |
| Loan and lease loss provision to assets | 0.7511% | 1,925 |
| Net operating income to assets | 0.1895% | 5,597 |
| Return on assets (ROA) | 0.4073% | 4,883 |
| Pretax return on assets | 0.6588% | 4,371 |
| Return on Equity (ROE) | 5.7521% | 3,917 |
| Retained earnings to average equity (ytd only) | 1.2699% | 5,247 |
| Net charge-offs to loans | 2.5514% | 665 |
| Credit loss provision to net charge-offs | 54.2295% | 5,334 |
| Earnings coverage of net charge-offs (x) | 0.7722% | 4,987 |
| Efficiency ratio | 82.9511% | 2,049 |
| Assets per employee ($millions) | 3.7617% | 4,318 |
| Cash dividends to net income (ytd only)* | 77.9221% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3568% | 1,498 |
| Loan loss allowance to noncurrent loans | 74.5415% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 2.0898% | 3,391 |
| Noncurrent loans to loans | 3.1618% | 2,532 |
| Net loans and leases to total assets | 52.0035% | 6,207 |
| Net loans and leases to deposits | 61.7690% | 6,253 |
| Net loans and leases to core deposits | 67.5836% | 6,094 |
| Total domestic deposits to total assets | 84.1903% | 4,016 |
| Equity capital to assets | 7.2523% | 7,246 |
| Core capital (leverage) ratio | 8.0358% | 6,225 |
| Tier 1 risk-based capital ratio | 12.0517% | 5,266 |
| Total risk-based capital ratio | 13.3108% | 5,226 |
| Memoranda: | ||
| Average total assets | $756,207,000 | 895 |
| Average earning assets | $700,350,670 | 880 |
| Average equity | $53,546,000 | 1,240 |
| Average total loans | $410,519,330 | 1,116 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8349% | 7,569 |
| Cost of funding earning assets | 0.4537% | 7,734 |
| Net interest margin | 3.3812% | 5,660 |
| Noninterest income to average assets | 3.0718% | 210 |
| Noninterest expense to average assets | 5.1009% | 344 |
| Loan and lease loss provision to assets | 0.6930% | 1,836 |
| Net operating income to assets | 0.2437% | 5,528 |
| Return on assets (ROA) | 0.4473% | 4,756 |
| Pretax return on assets | 0.7303% | 4,121 |
| Return on Equity (ROE) | 6.3927% | 3,677 |
| Retained earnings to average equity (ytd only) | 5.6424% | 2,787 |
| Net charge-offs to loans | 2.6610% | 610 |
| Credit loss provision to net charge-offs | 47.5333% | 4,525 |
| Earnings coverage of net charge-offs (x) | 0.7580% | 4,352 |
| Efficiency ratio | 82.1927% | 2,252 |
| Assets per employee ($millions) | 3.8368% | 4,233 |
| Cash dividends to net income (ytd only)* | 11.7371% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4856% | 1,313 |
| Loan loss allowance to noncurrent loans | 71.5160% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 2.3033% | 3,149 |
| Noncurrent loans to loans | 3.4756% | 2,296 |
| Net loans and leases to total assets | 53.4027% | 6,103 |
| Net loans and leases to deposits | 64.5735% | 5,991 |
| Net loans and leases to core deposits | 70.7481% | 5,850 |
| Total domestic deposits to total assets | 82.7006% | 4,757 |
| Equity capital to assets | 7.1086% | 7,323 |
| Core capital (leverage) ratio | 7.9672% | 6,281 |
| Tier 1 risk-based capital ratio | 11.7295% | 5,467 |
| Total risk-based capital ratio | 12.9902% | 5,401 |
| Memoranda: | ||
| Average total assets | $761,906,000 | 913 |
| Average earning assets | $706,252,000 | 892 |
| Average equity | $53,311,000 | 1,254 |
| Average total loans | $417,441,000 | 1,122 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 7,659 |
| Cost of funding earning assets | 0.6093% | 7,770 |
| Net interest margin | 3.4663% | 5,100 |
| Noninterest income to average assets | 3.2672% | 210 |
| Noninterest expense to average assets | 5.2328% | 452 |
| Loan and lease loss provision to assets | 1.9029% | 1,170 |
| Net operating income to assets | -0.4050% | 6,084 |
| Return on assets (ROA) | -0.3619% | 6,031 |
| Pretax return on assets | -0.5762% | 6,076 |
| Return on Equity (ROE) | -4.5876% | 6,178 |
| Retained earnings to average equity (ytd only) | -8.5996% | 6,402 |
| Net charge-offs to loans | 2.1320% | 1,137 |
| Credit loss provision to net charge-offs | 155.3758% | 2,923 |
| Earnings coverage of net charge-offs (x) | 1.0282% | 5,083 |
| Efficiency ratio | 80.6036% | 2,797 |
| Assets per employee ($millions) | 3.8017% | 4,283 |
| Cash dividends to net income (ytd only)* | -87.4525% | 7,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7904% | 938 |
| Loan loss allowance to noncurrent loans | 73.7027% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 2.4689% | 2,820 |
| Noncurrent loans to loans | 3.7860% | 1,980 |
| Net loans and leases to total assets | 53.2843% | 6,269 |
| Net loans and leases to deposits | 63.2586% | 6,342 |
| Net loans and leases to core deposits | 66.5557% | 6,955 |
| Total domestic deposits to total assets | 84.2324% | 3,925 |
| Equity capital to assets | 6.8873% | 7,421 |
| Core capital (leverage) ratio | 7.8195% | 6,424 |
| Tier 1 risk-based capital ratio | 11.4115% | 5,495 |
| Total risk-based capital ratio | 12.6755% | 5,442 |
| Memoranda: | ||
| Average total assets | $726,803,800 | 936 |
| Average earning assets | $676,158,400 | 915 |
| Average equity | $57,328,400 | 1,154 |
| Average total loans | $417,490,000 | 1,155 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 7,764 |
| Cost of funding earning assets | 0.6175% | 7,875 |
| Net interest margin | 3.5078% | 4,828 |
| Noninterest income to average assets | 3.2968% | 201 |
| Noninterest expense to average assets | 5.3061% | 404 |
| Loan and lease loss provision to assets | 1.8645% | 991 |
| Net operating income to assets | -0.3812% | 6,292 |
| Return on assets (ROA) | -0.3229% | 6,248 |
| Pretax return on assets | -0.5154% | 6,314 |
| Return on Equity (ROE) | -3.9585% | 6,338 |
| Retained earnings to average equity (ytd only) | -8.5217% | 6,659 |
| Net charge-offs to loans | 2.3896% | 770 |
| Credit loss provision to net charge-offs | 134.1904% | 3,715 |
| Earnings coverage of net charge-offs (x) | 0.9053% | 5,152 |
| Efficiency ratio | 80.8363% | 2,729 |
| Assets per employee ($millions) | 3.4974% | 4,932 |
| Cash dividends to net income (ytd only)* | -115.2736% | 8,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2443% | 1,357 |
| Loan loss allowance to noncurrent loans | 79.8330% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.8196% | 3,623 |
| Noncurrent loans to loans | 2.8112% | 2,700 |
| Net loans and leases to total assets | 57.2041% | 6,007 |
| Net loans and leases to deposits | 69.8773% | 5,933 |
| Net loans and leases to core deposits | 74.4730% | 6,702 |
| Total domestic deposits to total assets | 81.8637% | 4,733 |
| Equity capital to assets | 7.7864% | 7,050 |
| Core capital (leverage) ratio | 8.4324% | 5,612 |
| Tier 1 risk-based capital ratio | 11.8621% | 5,095 |
| Total risk-based capital ratio | 13.1205% | 5,028 |
| Memoranda: | ||
| Average total assets | $716,516,500 | 965 |
| Average earning assets | $667,365,750 | 939 |
| Average equity | $58,437,750 | 1,145 |
| Average total loans | $416,626,500 | 1,173 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 7,859 |
| Cost of funding earning assets | 0.6088% | 7,985 |
| Net interest margin | 3.5280% | 4,664 |
| Noninterest income to average assets | 3.2609% | 195 |
| Noninterest expense to average assets | 5.2789% | 431 |
| Loan and lease loss provision to assets | 1.5079% | 1,136 |
| Net operating income to assets | -0.1543% | 6,111 |
| Return on assets (ROA) | -0.0669% | 6,012 |
| Pretax return on assets | -0.1054% | 5,997 |
| Return on Equity (ROE) | -0.8081% | 6,049 |
| Retained earnings to average equity (ytd only) | -4.1752% | 6,166 |
| Net charge-offs to loans | 1.6674% | 1,136 |
| Credit loss provision to net charge-offs | 155.8629% | 2,953 |
| Earnings coverage of net charge-offs (x) | 1.3086% | 4,544 |
| Efficiency ratio | 80.6567% | 2,943 |
| Assets per employee ($millions) | 3.3885% | 5,093 |
| Cash dividends to net income (ytd only)* | -416.6667% | 8,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0904% | 1,414 |
| Loan loss allowance to noncurrent loans | 59.1462% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 2.2992% | 2,834 |
| Noncurrent loans to loans | 3.5343% | 1,983 |
| Net loans and leases to total assets | 58.7526% | 5,869 |
| Net loans and leases to deposits | 71.7671% | 5,768 |
| Net loans and leases to core deposits | 76.5708% | 6,640 |
| Total domestic deposits to total assets | 81.8655% | 4,748 |
| Equity capital to assets | 8.2672% | 6,388 |
| Core capital (leverage) ratio | 9.1390% | 4,404 |
| Tier 1 risk-based capital ratio | 12.2427% | 4,725 |
| Total risk-based capital ratio | 13.4992% | 4,641 |
| Memoranda: | ||
| Average total assets | $717,531,670 | 976 |
| Average earning assets | $667,907,670 | 955 |
| Average equity | $59,399,000 | 1,142 |
| Average total loans | $416,333,670 | 1,203 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 7,940 |
| Cost of funding earning assets | 0.6291% | 8,035 |
| Net interest margin | 3.4841% | 4,789 |
| Noninterest income to average assets | 3.0783% | 206 |
| Noninterest expense to average assets | 5.0017% | 487 |
| Loan and lease loss provision to assets | 0.4125% | 2,859 |
| Net operating income to assets | 0.5621% | 4,174 |
| Return on assets (ROA) | 0.5621% | 4,358 |
| Pretax return on assets | 0.9113% | 3,676 |
| Return on Equity (ROE) | 6.7857% | 3,678 |
| Retained earnings to average equity (ytd only) | 3.4659% | 3,966 |
| Net charge-offs to loans | 0.4953% | 2,224 |
| Credit loss provision to net charge-offs | 145.9144% | 2,838 |
| Earnings coverage of net charge-offs (x) | 4.6829% | 2,836 |
| Efficiency ratio | 79.0714% | 2,990 |
| Assets per employee ($millions) | 3.5350% | 4,738 |
| Cash dividends to net income (ytd only)* | 48.9237% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 2,054 |
| Loan loss allowance to noncurrent loans | 58.7897% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.6850% | 3,398 |
| Noncurrent loans to loans | 2.9366% | 2,222 |
| Net loans and leases to total assets | 55.9472% | 6,246 |
| Net loans and leases to deposits | 69.6598% | 6,011 |
| Net loans and leases to core deposits | 74.8879% | 6,752 |
| Total domestic deposits to total assets | 80.3149% | 5,235 |
| Equity capital to assets | 8.3876% | 6,255 |
| Core capital (leverage) ratio | 9.0976% | 4,562 |
| Tier 1 risk-based capital ratio | 12.9205% | 4,231 |
| Total risk-based capital ratio | 14.1732% | 4,161 |
| Memoranda: | ||
| Average total assets | $727,279,500 | 961 |
| Average earning assets | $677,813,000 | 941 |
| Average equity | $60,244,500 | 1,142 |
| Average total loans | $415,065,500 | 1,220 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 7,956 |
| Cost of funding earning assets | 1.3104% | 7,839 |
| Net interest margin | 3.4493% | 5,471 |
| Noninterest income to average assets | 2.8518% | 215 |
| Noninterest expense to average assets | 4.6110% | 810 |
| Loan and lease loss provision to assets | 0.8164% | 1,820 |
| Net operating income to assets | 0.3789% | 5,234 |
| Return on assets (ROA) | 0.3807% | 5,043 |
| Pretax return on assets | 0.6170% | 4,637 |
| Return on Equity (ROE) | 4.6727% | 4,526 |
| Retained earnings to average equity (ytd only) | -0.7948% | 5,542 |
| Net charge-offs to loans | 0.9504% | 1,301 |
| Credit loss provision to net charge-offs | 158.5744% | 3,270 |
| Earnings coverage of net charge-offs (x) | 2.7787% | 4,701 |
| Efficiency ratio | 76.3216% | 3,183 |
| Assets per employee ($millions) | 3.6664% | 4,248 |
| Cash dividends to net income (ytd only)* | 117.0101% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 2,173 |
| Loan loss allowance to noncurrent loans | 58.9604% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 1.5818% | 3,073 |
| Noncurrent loans to loans | 2.7424% | 1,977 |
| Net loans and leases to total assets | 56.2832% | 6,400 |
| Net loans and leases to deposits | 68.9488% | 6,380 |
| Net loans and leases to core deposits | 74.5857% | 6,930 |
| Total domestic deposits to total assets | 81.6303% | 4,356 |
| Equity capital to assets | 8.1822% | 6,576 |
| Core capital (leverage) ratio | 8.5120% | 5,557 |
| Tier 1 risk-based capital ratio | 11.9199% | 4,890 |
| Total risk-based capital ratio | 13.1709% | 4,780 |
| Memoranda: | ||
| Average total assets | $752,085,600 | 893 |
| Average earning assets | $695,499,600 | 877 |
| Average equity | $61,271,200 | 1,098 |
| Average total loans | $407,408,800 | 1,185 |