Home > Bank of Springfield > Performance and Condition Ratios
Bank of Springfield, 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 | 5.2312% | 1,607 |
| Cost of funding earning assets | 1.2403% | 2,690 |
| Net interest margin | 3.9909% | 1,220 |
| Noninterest income to average assets | 1.2300% | 486 |
| Noninterest expense to average assets | 3.4532% | 612 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 0.9689% | 2,311 |
| Return on assets (ROA) | 0.9690% | 2,297 |
| Pretax return on assets | 1.3326% | 1,787 |
| Return on Equity (ROE) | 11.3400% | 2,137 |
| Retained earnings to average equity (ytd only) | 10.3595% | 932 |
| Net charge-offs to loans | 0.3021% | 356 |
| Credit loss provision to net charge-offs | 47.7254% | 2,202 |
| Earnings coverage of net charge-offs (x) | 6.1678% | 2,490 |
| Efficiency ratio | 69.0012% | 2,009 |
| Assets per employee ($millions) | 4.8455% | 3,743 |
| Cash dividends to net income (ytd only)* | 8.6159% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 3,751 |
| Loan loss allowance to noncurrent loans | 57.8176% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3169% | 314 |
| Noncurrent loans to loans | 1.5371% | 439 |
| Net loans and leases to total assets | 82.9500% | 351 |
| Net loans and leases to deposits | 98.6630% | 609 |
| Net loans and leases to core deposits | 105.1748% | 1,154 |
| Total domestic deposits to total assets | 84.0800% | 2,600 |
| Equity capital to assets | 8.5329% | 3,027 |
| Core capital (leverage) ratio | 8.6173% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0108% | 2,815 |
| Memoranda: | ||
| Average total assets | $1,485,287,400 | 723 |
| Average earning assets | $1,394,543,800 | 705 |
| Average equity | $126,955,600 | 780 |
| Average total loans | $1,214,972,800 | 624 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 1,710 |
| Cost of funding earning assets | 1.0976% | 2,748 |
| Net interest margin | 3.9637% | 1,275 |
| Noninterest income to average assets | 1.2200% | 488 |
| Noninterest expense to average assets | 3.4076% | 619 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.9552% | 2,499 |
| Return on assets (ROA) | 0.9554% | 2,487 |
| Pretax return on assets | 1.3381% | 1,936 |
| Return on Equity (ROE) | 11.2100% | 2,323 |
| Retained earnings to average equity (ytd only) | 10.7993% | 1,190 |
| Net charge-offs to loans | 0.1327% | 610 |
| Credit loss provision to net charge-offs | 181.1814% | 1,188 |
| Earnings coverage of net charge-offs (x) | 14.2928% | 1,999 |
| Efficiency ratio | 68.5914% | 1,951 |
| Assets per employee ($millions) | 4.8735% | 3,691 |
| Cash dividends to net income (ytd only)* | 3.6709% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,296 |
| Loan loss allowance to noncurrent loans | 57.0004% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.8104% | 169 |
| Noncurrent loans to loans | 2.1293% | 267 |
| Net loans and leases to total assets | 82.3800% | 408 |
| Net loans and leases to deposits | 96.7236% | 699 |
| Net loans and leases to core deposits | 103.8355% | 1,129 |
| Total domestic deposits to total assets | 85.1700% | 2,451 |
| Equity capital to assets | 8.4793% | 2,740 |
| Core capital (leverage) ratio | 8.7617% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3193% | 2,766 |
| Memoranda: | ||
| Average total assets | $1,463,654,250 | 730 |
| Average earning assets | $1,375,981,500 | 712 |
| Average equity | $124,733,250 | 783 |
| Average total loans | $1,190,217,500 | 633 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9128% | 1,736 |
| Cost of funding earning assets | 0.9238% | 2,852 |
| Net interest margin | 3.9890% | 1,266 |
| Noninterest income to average assets | 1.2300% | 425 |
| Noninterest expense to average assets | 3.3815% | 618 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 0.9663% | 2,525 |
| Return on assets (ROA) | 0.9665% | 2,520 |
| Pretax return on assets | 1.3528% | 1,937 |
| Return on Equity (ROE) | 11.3200% | 2,347 |
| Retained earnings to average equity (ytd only) | 11.3217% | 1,122 |
| Net charge-offs to loans | 0.0765% | 814 |
| Credit loss provision to net charge-offs | 379.7753% | 751 |
| Earnings coverage of net charge-offs (x) | 25.9753% | 1,616 |
| Efficiency ratio | 67.6094% | 2,031 |
| Assets per employee ($millions) | 4.5930% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,465 |
| Loan loss allowance to noncurrent loans | 50.9366% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.9551% | 143 |
| Noncurrent loans to loans | 2.3475% | 204 |
| Net loans and leases to total assets | 80.8700% | 533 |
| Net loans and leases to deposits | 94.6954% | 805 |
| Net loans and leases to core deposits | 100.7671% | 1,193 |
| Total domestic deposits to total assets | 85.4000% | 2,427 |
| Equity capital to assets | 8.6097% | 2,769 |
| Core capital (leverage) ratio | 8.8902% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4349% | 2,776 |
| Memoranda: | ||
| Average total assets | $1,443,074,667 | 723 |
| Average earning assets | $1,356,616,000 | 709 |
| Average equity | $123,197,000 | 791 |
| Average total loans | $1,162,962,333 | 635 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6406% | 1,995 |
| Cost of funding earning assets | 0.7438% | 2,913 |
| Net interest margin | 3.8969% | 1,491 |
| Noninterest income to average assets | 1.2300% | 429 |
| Noninterest expense to average assets | 3.3959% | 603 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.9273% | 2,764 |
| Return on assets (ROA) | 0.9277% | 2,722 |
| Pretax return on assets | 1.2993% | 2,178 |
| Return on Equity (ROE) | 10.9100% | 2,520 |
| Retained earnings to average equity (ytd only) | 10.9147% | 1,485 |
| Net charge-offs to loans | -0.0028% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.1876% | 1,835 |
| Assets per employee ($millions) | 4.4024% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 2,517 |
| Loan loss allowance to noncurrent loans | 48.1802% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 2.2128% | 101 |
| Noncurrent loans to loans | 2.5056% | 194 |
| Net loans and leases to total assets | 79.9400% | 549 |
| Net loans and leases to deposits | 94.1794% | 778 |
| Net loans and leases to core deposits | 96.4239% | 1,257 |
| Total domestic deposits to total assets | 84.8800% | 2,884 |
| Equity capital to assets | 8.7237% | 2,720 |
| Core capital (leverage) ratio | 8.8667% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4395% | 2,867 |
| Memoranda: | ||
| Average total assets | $1,429,728,500 | 744 |
| Average earning assets | $1,342,314,500 | 731 |
| Average equity | $121,524,000 | 809 |
| Average total loans | $1,142,976,500 | 647 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 2,300 |
| Cost of funding earning assets | 0.4102% | 2,011 |
| Net interest margin | 3.3837% | 2,308 |
| Noninterest income to average assets | 1.4400% | 361 |
| Noninterest expense to average assets | 3.2981% | 626 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.8920% | 2,997 |
| Return on assets (ROA) | 0.8920% | 2,930 |
| Pretax return on assets | 1.2422% | 2,302 |
| Return on Equity (ROE) | 11.3200% | 2,377 |
| Retained earnings to average equity (ytd only) | 11.0612% | 869 |
| Net charge-offs to loans | 0.1052% | 709 |
| Credit loss provision to net charge-offs | 115.8217% | 1,481 |
| Earnings coverage of net charge-offs (x) | 17.0507% | 1,964 |
| Efficiency ratio | 70.9615% | 1,567 |
| Assets per employee ($millions) | 4.5200% | 4,024 |
| Cash dividends to net income (ytd only)* | 2.2978% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 2,626 |
| Loan loss allowance to noncurrent loans | 38.2281% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.3976% | 83 |
| Noncurrent loans to loans | 3.0178% | 142 |
| Net loans and leases to total assets | 78.0800% | 790 |
| Net loans and leases to deposits | 91.3863% | 952 |
| Net loans and leases to core deposits | 93.1243% | 1,340 |
| Total domestic deposits to total assets | 85.4400% | 2,878 |
| Equity capital to assets | 8.2797% | 2,875 |
| Core capital (leverage) ratio | 8.4698% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1170% | 2,950 |
| Memoranda: | ||
| Average total assets | $1,463,648,200 | 716 |
| Average earning assets | $1,379,772,200 | 697 |
| Average equity | $115,321,800 | 842 |
| Average total loans | $1,087,875,600 | 637 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 2,339 |
| Cost of funding earning assets | 0.3684% | 1,541 |
| Net interest margin | 3.2339% | 2,518 |
| Noninterest income to average assets | 1.5400% | 350 |
| Noninterest expense to average assets | 3.2365% | 649 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9375% | 2,724 |
| Return on assets (ROA) | 0.9375% | 2,686 |
| Pretax return on assets | 1.3091% | 2,016 |
| Return on Equity (ROE) | 12.0500% | 2,016 |
| Retained earnings to average equity (ytd only) | 11.6992% | 866 |
| Net charge-offs to loans | -0.0690% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.2015% | 1,733 |
| Assets per employee ($millions) | 4.6208% | 3,961 |
| Cash dividends to net income (ytd only)* | 2.9042% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 2,254 |
| Loan loss allowance to noncurrent loans | 55.6264% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.7457% | 172 |
| Noncurrent loans to loans | 2.2496% | 253 |
| Net loans and leases to total assets | 75.8700% | 920 |
| Net loans and leases to deposits | 85.4768% | 1,202 |
| Net loans and leases to core deposits | 91.0779% | 1,232 |
| Total domestic deposits to total assets | 88.7600% | 2,181 |
| Equity capital to assets | 7.9858% | 2,906 |
| Core capital (leverage) ratio | 8.0145% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0559% | 3,029 |
| Memoranda: | ||
| Average total assets | $1,469,090,250 | 719 |
| Average earning assets | $1,386,828,250 | 698 |
| Average equity | $114,306,500 | 868 |
| Average total loans | $1,075,115,000 | 640 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3567% | 2,553 |
| Cost of funding earning assets | 0.3487% | 1,271 |
| Net interest margin | 3.0080% | 2,849 |
| Noninterest income to average assets | 1.6416% | 296 |
| Noninterest expense to average assets | 3.1635% | 668 |
| Loan and lease loss provision to assets | 0.0306% | 2,044 |
| Net operating income to assets | 0.9240% | 2,470 |
| Return on assets (ROA) | 0.9240% | 2,442 |
| Pretax return on assets | 1.2884% | 1,782 |
| Return on Equity (ROE) | 11.9799% | 1,674 |
| Retained earnings to average equity (ytd only) | 11.4515% | 710 |
| Net charge-offs to loans | -0.0043% | 3,295 |
| Credit loss provision to net charge-offs | -978.2609% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9745% | 1,962 |
| Assets per employee ($millions) | 4.6038% | 4,003 |
| Cash dividends to net income (ytd only)* | 4.4111% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 2,758 |
| Loan loss allowance to noncurrent loans | 53.6677% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.6693% | 195 |
| Noncurrent loans to loans | 2.2104% | 288 |
| Net loans and leases to total assets | 73.2953% | 972 |
| Net loans and leases to deposits | 82.6037% | 1,204 |
| Net loans and leases to core deposits | 86.4478% | 1,309 |
| Total domestic deposits to total assets | 88.7313% | 2,286 |
| Equity capital to assets | 7.6539% | 3,375 |
| Core capital (leverage) ratio | 7.8907% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6140% | 3,057 |
| Memoranda: | ||
| Average total assets | $1,472,063,667 | 708 |
| Average earning assets | $1,390,243,333 | 695 |
| Average equity | $113,540,000 | 880 |
| Average total loans | $1,059,526,000 | 631 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1645% | 2,789 |
| Cost of funding earning assets | 0.3517% | 1,186 |
| Net interest margin | 2.8128% | 3,096 |
| Noninterest income to average assets | 1.7968% | 280 |
| Noninterest expense to average assets | 3.2054% | 600 |
| Loan and lease loss provision to assets | 0.0617% | 1,307 |
| Net operating income to assets | 0.8551% | 2,470 |
| Return on assets (ROA) | 0.8551% | 2,462 |
| Pretax return on assets | 1.1876% | 1,846 |
| Return on Equity (ROE) | 11.0425% | 1,607 |
| Retained earnings to average equity (ytd only) | 9.9794% | 1,027 |
| Net charge-offs to loans | -0.0039% | 3,267 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6829% | 2,016 |
| Assets per employee ($millions) | 4.6082% | 4,072 |
| Cash dividends to net income (ytd only)* | 9.6277% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,519 |
| Loan loss allowance to noncurrent loans | 53.2169% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.7735% | 177 |
| Noncurrent loans to loans | 2.3784% | 262 |
| Net loans and leases to total assets | 70.4509% | 977 |
| Net loans and leases to deposits | 79.5336% | 1,177 |
| Net loans and leases to core deposits | 81.4034% | 1,388 |
| Total domestic deposits to total assets | 88.5801% | 2,263 |
| Equity capital to assets | 7.7352% | 3,781 |
| Core capital (leverage) ratio | 7.7925% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9360% | 3,056 |
| Memoranda: | ||
| Average total assets | $1,457,669,000 | 717 |
| Average earning assets | $1,377,400,000 | 702 |
| Average equity | $112,873,000 | 906 |
| Average total loans | $1,032,658,500 | 643 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 1,790 |
| Cost of funding earning assets | 0.3963% | 1,571 |
| Net interest margin | 3.4360% | 1,915 |
| Noninterest income to average assets | 1.6778% | 406 |
| Noninterest expense to average assets | 3.3729% | 568 |
| Loan and lease loss provision to assets | 0.0698% | 1,682 |
| Net operating income to assets | 1.0549% | 2,467 |
| Return on assets (ROA) | 1.0560% | 2,532 |
| Pretax return on assets | 1.4758% | 1,801 |
| Return on Equity (ROE) | 13.1343% | 1,418 |
| Retained earnings to average equity (ytd only) | 5.7176% | 2,467 |
| Net charge-offs to loans | 0.0137% | 2,054 |
| Credit loss provision to net charge-offs | 693.4307% | 668 |
| Earnings coverage of net charge-offs (x) | 153.3796% | 648 |
| Efficiency ratio | 68.3171% | 1,938 |
| Assets per employee ($millions) | 4.5172% | 4,102 |
| Cash dividends to net income (ytd only)* | 56.4679% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,521 |
| Loan loss allowance to noncurrent loans | 51.7575% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.8504% | 187 |
| Noncurrent loans to loans | 2.4474% | 276 |
| Net loans and leases to total assets | 69.4392% | 1,105 |
| Net loans and leases to deposits | 79.4962% | 1,255 |
| Net loans and leases to core deposits | 80.2448% | 1,572 |
| Total domestic deposits to total assets | 87.3491% | 2,360 |
| Equity capital to assets | 7.7517% | 4,490 |
| Core capital (leverage) ratio | 7.6105% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0636% | 3,039 |
| Memoranda: | ||
| Average total assets | $1,360,857,400 | 733 |
| Average earning assets | $1,282,881,800 | 721 |
| Average equity | $109,416,000 | 944 |
| Average total loans | $1,002,963,000 | 654 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0031% | 1,526 |
| Cost of funding earning assets | 0.4034% | 1,674 |
| Net interest margin | 3.5997% | 1,599 |
| Noninterest income to average assets | 1.6277% | 472 |
| Noninterest expense to average assets | 3.3702% | 559 |
| Loan and lease loss provision to assets | 0.0748% | 1,555 |
| Net operating income to assets | 1.1282% | 2,444 |
| Return on assets (ROA) | 1.1298% | 2,497 |
| Pretax return on assets | 1.5736% | 1,782 |
| Return on Equity (ROE) | 13.9160% | 1,416 |
| Retained earnings to average equity (ytd only) | 4.5236% | 3,397 |
| Net charge-offs to loans | -0.1285% | 4,694 |
| Credit loss provision to net charge-offs | -77.9626% | 3,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8952% | 1,984 |
| Assets per employee ($millions) | 4.6613% | 3,998 |
| Cash dividends to net income (ytd only)* | 67.4932% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,865 |
| Loan loss allowance to noncurrent loans | 50.8048% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.4485% | 125 |
| Noncurrent loans to loans | 2.8271% | 241 |
| Net loans and leases to total assets | 66.6681% | 1,468 |
| Net loans and leases to deposits | 77.0187% | 1,571 |
| Net loans and leases to core deposits | 77.7151% | 1,911 |
| Total domestic deposits to total assets | 86.5609% | 2,525 |
| Equity capital to assets | 7.7536% | 4,634 |
| Core capital (leverage) ratio | 7.8100% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6901% | 3,018 |
| Memoranda: | ||
| Average total assets | $1,337,436,500 | 753 |
| Average earning assets | $1,259,163,500 | 745 |
| Average equity | $108,582,250 | 962 |
| Average total loans | $997,959,000 | 673 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 1,280 |
| Cost of funding earning assets | 0.4019% | 1,870 |
| Net interest margin | 3.7382% | 1,247 |
| Noninterest income to average assets | 1.7191% | 423 |
| Noninterest expense to average assets | 3.4525% | 502 |
| Loan and lease loss provision to assets | 0.0688% | 1,673 |
| Net operating income to assets | 1.2343% | 2,065 |
| Return on assets (ROA) | 1.2367% | 2,125 |
| Pretax return on assets | 1.7201% | 1,431 |
| Return on Equity (ROE) | 14.9881% | 1,161 |
| Retained earnings to average equity (ytd only) | 5.1653% | 3,128 |
| Net charge-offs to loans | -0.2075% | 4,798 |
| Credit loss provision to net charge-offs | -42.9799% | 2,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6215% | 2,209 |
| Assets per employee ($millions) | 4.5596% | 4,060 |
| Cash dividends to net income (ytd only)* | 65.5373% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 2,147 |
| Loan loss allowance to noncurrent loans | 48.0826% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 2.5200% | 135 |
| Noncurrent loans to loans | 2.8319% | 265 |
| Net loans and leases to total assets | 71.7671% | 999 |
| Net loans and leases to deposits | 84.0218% | 1,068 |
| Net loans and leases to core deposits | 84.6907% | 1,518 |
| Total domestic deposits to total assets | 85.4148% | 2,936 |
| Equity capital to assets | 7.9697% | 4,552 |
| Core capital (leverage) ratio | 8.1445% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6514% | 3,021 |
| Memoranda: | ||
| Average total assets | $1,307,801,000 | 769 |
| Average earning assets | $1,231,245,333 | 761 |
| Average equity | $107,912,000 | 959 |
| Average total loans | $1,009,021,000 | 672 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 1,932 |
| Cost of funding earning assets | 0.4141% | 1,982 |
| Net interest margin | 3.4464% | 1,971 |
| Noninterest income to average assets | 2.0364% | 364 |
| Noninterest expense to average assets | 3.4851% | 478 |
| Loan and lease loss provision to assets | 0.1100% | 1,260 |
| Net operating income to assets | 1.2115% | 2,099 |
| Return on assets (ROA) | 1.2165% | 2,171 |
| Pretax return on assets | 1.6899% | 1,516 |
| Return on Equity (ROE) | 14.4753% | 1,335 |
| Retained earnings to average equity (ytd only) | -0.8524% | 4,446 |
| Net charge-offs to loans | -0.4693% | 4,887 |
| Credit loss provision to net charge-offs | -29.4613% | 2,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7303% | 2,266 |
| Assets per employee ($millions) | 4.4559% | 4,142 |
| Cash dividends to net income (ytd only)* | 105.8884% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,298 |
| Loan loss allowance to noncurrent loans | 52.0266% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 2.5688% | 150 |
| Noncurrent loans to loans | 2.5558% | 356 |
| Net loans and leases to total assets | 78.3064% | 449 |
| Net loans and leases to deposits | 92.2777% | 582 |
| Net loans and leases to core deposits | 93.1313% | 1,035 |
| Total domestic deposits to total assets | 84.8595% | 3,162 |
| Equity capital to assets | 8.2385% | 4,335 |
| Core capital (leverage) ratio | 8.2569% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4570% | 3,016 |
| Memoranda: | ||
| Average total assets | $1,273,196,500 | 783 |
| Average earning assets | $1,197,766,500 | 771 |
| Average equity | $106,996,000 | 955 |
| Average total loans | $1,012,590,500 | 670 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 1,768 |
| Cost of funding earning assets | 0.5422% | 2,662 |
| Net interest margin | 3.7900% | 1,529 |
| Noninterest income to average assets | 1.9361% | 347 |
| Noninterest expense to average assets | 3.7201% | 513 |
| Loan and lease loss provision to assets | 0.4740% | 563 |
| Net operating income to assets | 0.9267% | 2,581 |
| Return on assets (ROA) | 0.9320% | 2,699 |
| Pretax return on assets | 1.3078% | 1,945 |
| Return on Equity (ROE) | 10.5239% | 1,800 |
| Retained earnings to average equity (ytd only) | 8.0919% | 1,030 |
| Net charge-offs to loans | 0.4976% | 320 |
| Credit loss provision to net charge-offs | 116.9372% | 2,664 |
| Earnings coverage of net charge-offs (x) | 4.3793% | 2,994 |
| Efficiency ratio | 67.3898% | 2,313 |
| Assets per employee ($millions) | 4.4317% | 3,985 |
| Cash dividends to net income (ytd only)* | 23.1098% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,844 |
| Loan loss allowance to noncurrent loans | 44.6475% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.8114% | 141 |
| Noncurrent loans to loans | 2.7308% | 344 |
| Net loans and leases to total assets | 78.7357% | 522 |
| Net loans and leases to deposits | 93.6800% | 679 |
| Net loans and leases to core deposits | 95.0159% | 1,181 |
| Total domestic deposits to total assets | 84.0474% | 3,094 |
| Equity capital to assets | 8.5752% | 4,394 |
| Core capital (leverage) ratio | 8.4590% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5666% | 3,016 |
| Memoranda: | ||
| Average total assets | $1,155,149,400 | 774 |
| Average earning assets | $1,084,759,000 | 762 |
| Average equity | $102,300,400 | 942 |
| Average total loans | $940,843,000 | 685 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 2,242 |
| Cost of funding earning assets | 0.5702% | 2,802 |
| Net interest margin | 3.6834% | 2,000 |
| Noninterest income to average assets | 2.1053% | 307 |
| Noninterest expense to average assets | 3.7718% | 470 |
| Loan and lease loss provision to assets | 0.5656% | 469 |
| Net operating income to assets | 0.8734% | 2,799 |
| Return on assets (ROA) | 0.8807% | 2,900 |
| Pretax return on assets | 1.2375% | 2,268 |
| Return on Equity (ROE) | 9.8582% | 2,066 |
| Retained earnings to average equity (ytd only) | 7.3970% | 1,538 |
| Net charge-offs to loans | 0.5813% | 251 |
| Credit loss provision to net charge-offs | 118.7531% | 2,501 |
| Earnings coverage of net charge-offs (x) | 3.7665% | 2,884 |
| Efficiency ratio | 67.4571% | 2,256 |
| Assets per employee ($millions) | 4.2112% | 4,136 |
| Cash dividends to net income (ytd only)* | 24.9666% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,680 |
| Loan loss allowance to noncurrent loans | 44.1922% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.8198% | 165 |
| Noncurrent loans to loans | 2.7090% | 372 |
| Net loans and leases to total assets | 80.1774% | 598 |
| Net loans and leases to deposits | 96.1737% | 749 |
| Net loans and leases to core deposits | 97.4313% | 1,348 |
| Total domestic deposits to total assets | 83.3673% | 3,038 |
| Equity capital to assets | 8.3806% | 4,531 |
| Core capital (leverage) ratio | 8.4739% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9172% | 2,932 |
| Memoranda: | ||
| Average total assets | $1,131,502,750 | 780 |
| Average earning assets | $1,062,964,500 | 759 |
| Average equity | $101,083,750 | 946 |
| Average total loans | $927,020,500 | 685 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 2,157 |
| Cost of funding earning assets | 0.6170% | 2,880 |
| Net interest margin | 3.8039% | 1,825 |
| Noninterest income to average assets | 1.9973% | 290 |
| Noninterest expense to average assets | 3.7985% | 503 |
| Loan and lease loss provision to assets | 0.6403% | 465 |
| Net operating income to assets | 0.8001% | 3,046 |
| Return on assets (ROA) | 0.8114% | 3,120 |
| Pretax return on assets | 1.1402% | 2,580 |
| Return on Equity (ROE) | 8.8739% | 2,409 |
| Retained earnings to average equity (ytd only) | 6.3908% | 1,902 |
| Net charge-offs to loans | 0.8996% | 168 |
| Credit loss provision to net charge-offs | 86.5694% | 2,477 |
| Earnings coverage of net charge-offs (x) | 2.3878% | 2,779 |
| Efficiency ratio | 67.9379% | 2,239 |
| Assets per employee ($millions) | 4.0747% | 4,234 |
| Cash dividends to net income (ytd only)* | 27.9820% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,025 |
| Loan loss allowance to noncurrent loans | 38.6948% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 2.9509% | 162 |
| Noncurrent loans to loans | 2.8549% | 366 |
| Net loans and leases to total assets | 80.5015% | 539 |
| Net loans and leases to deposits | 97.5619% | 686 |
| Net loans and leases to core deposits | 98.9797% | 1,331 |
| Total domestic deposits to total assets | 82.5132% | 3,230 |
| Equity capital to assets | 8.4937% | 4,480 |
| Core capital (leverage) ratio | 8.5628% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8868% | 2,997 |
| Memoranda: | ||
| Average total assets | $1,093,164,333 | 792 |
| Average earning assets | $1,025,224,000 | 771 |
| Average equity | $99,956,333 | 947 |
| Average total loans | $898,848,667 | 695 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 2,191 |
| Cost of funding earning assets | 0.7456% | 2,691 |
| Net interest margin | 3.7945% | 1,997 |
| Noninterest income to average assets | 1.7117% | 317 |
| Noninterest expense to average assets | 3.8921% | 563 |
| Loan and lease loss provision to assets | 0.3466% | 886 |
| Net operating income to assets | 0.7199% | 3,204 |
| Return on assets (ROA) | 0.7436% | 3,192 |
| Pretax return on assets | 1.0486% | 2,670 |
| Return on Equity (ROE) | 7.8110% | 2,595 |
| Retained earnings to average equity (ytd only) | 3.2603% | 2,977 |
| Net charge-offs to loans | 0.3101% | 471 |
| Credit loss provision to net charge-offs | 135.1351% | 1,641 |
| Earnings coverage of net charge-offs (x) | 5.3228% | 2,068 |
| Efficiency ratio | 73.6742% | 1,861 |
| Assets per employee ($millions) | 3.7443% | 4,230 |
| Cash dividends to net income (ytd only)* | 58.2600% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 1,994 |
| Loan loss allowance to noncurrent loans | 40.0097% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 3.5121% | 136 |
| Noncurrent loans to loans | 3.3287% | 297 |
| Net loans and leases to total assets | 82.7612% | 375 |
| Net loans and leases to deposits | 100.5405% | 517 |
| Net loans and leases to core deposits | 102.5111% | 1,283 |
| Total domestic deposits to total assets | 82.3162% | 3,328 |
| Equity capital to assets | 9.5644% | 4,160 |
| Core capital (leverage) ratio | 9.4323% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6817% | 3,187 |
| Memoranda: | ||
| Average total assets | $1,038,730,000 | 795 |
| Average earning assets | $970,551,000 | 778 |
| Average equity | $98,886,000 | 951 |
| Average total loans | $859,041,500 | 702 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 2,088 |
| Cost of funding earning assets | 0.8590% | 2,383 |
| Net interest margin | 3.9253% | 2,088 |
| Noninterest income to average assets | 1.7010% | 336 |
| Noninterest expense to average assets | 3.8735% | 612 |
| Loan and lease loss provision to assets | 0.4893% | 263 |
| Net operating income to assets | 0.7356% | 3,747 |
| Return on assets (ROA) | 0.7356% | 3,818 |
| Pretax return on assets | 1.0247% | 3,402 |
| Return on Equity (ROE) | 7.9197% | 3,198 |
| Retained earnings to average equity (ytd only) | 5.8093% | 1,976 |
| Net charge-offs to loans | 0.1010% | 1,716 |
| Credit loss provision to net charge-offs | 582.9466% | 529 |
| Earnings coverage of net charge-offs (x) | 18.0371% | 2,079 |
| Efficiency ratio | 71.5437% | 1,938 |
| Assets per employee ($millions) | 3.6890% | 4,275 |
| Cash dividends to net income (ytd only)* | 26.6481% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 1,755 |
| Loan loss allowance to noncurrent loans | 41.6419% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 3.3457% | 144 |
| Noncurrent loans to loans | 3.2143% | 272 |
| Net loans and leases to total assets | 80.4363% | 733 |
| Net loans and leases to deposits | 95.6872% | 974 |
| Net loans and leases to core deposits | 98.9127% | 1,659 |
| Total domestic deposits to total assets | 84.0617% | 2,831 |
| Equity capital to assets | 9.4755% | 4,375 |
| Core capital (leverage) ratio | 9.1968% | 4,362 |
| Tier 1 risk-based capital ratio | 10.6966% | 4,962 |
| Total risk-based capital ratio | 11.9468% | 4,876 |
| Memoranda: | ||
| Average total assets | $1,026,948,400 | 763 |
| Average earning assets | $964,477,600 | 748 |
| Average equity | $95,382,000 | 933 |
| Average total loans | $853,835,600 | 676 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 2,186 |
| Cost of funding earning assets | 0.8436% | 2,495 |
| Net interest margin | 3.9346% | 2,149 |
| Noninterest income to average assets | 1.5911% | 368 |
| Noninterest expense to average assets | 3.8288% | 634 |
| Loan and lease loss provision to assets | 0.4591% | 269 |
| Net operating income to assets | 0.7103% | 3,979 |
| Return on assets (ROA) | 0.7103% | 4,051 |
| Pretax return on assets | 1.0013% | 3,597 |
| Return on Equity (ROE) | 7.6868% | 3,438 |
| Retained earnings to average equity (ytd only) | 5.9149% | 2,413 |
| Net charge-offs to loans | -0.0016% | 4,037 |
| Credit loss provision to net charge-offs | -35,250.0000% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0270% | 1,831 |
| Assets per employee ($millions) | 3.8226% | 4,139 |
| Cash dividends to net income (ytd only)* | 23.0516% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,263 |
| Loan loss allowance to noncurrent loans | 34.9544% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 3.6525% | 126 |
| Noncurrent loans to loans | 3.5620% | 221 |
| Net loans and leases to total assets | 80.6226% | 756 |
| Net loans and leases to deposits | 95.3238% | 1,096 |
| Net loans and leases to core deposits | 98.5955% | 1,778 |
| Total domestic deposits to total assets | 84.5776% | 2,594 |
| Equity capital to assets | 9.2183% | 4,655 |
| Core capital (leverage) ratio | 9.2190% | 4,464 |
| Tier 1 risk-based capital ratio | 10.4155% | 5,098 |
| Total risk-based capital ratio | 11.5879% | 5,045 |
| Memoranda: | ||
| Average total assets | $1,023,613,500 | 768 |
| Average earning assets | $962,096,500 | 750 |
| Average equity | $94,584,250 | 942 |
| Average total loans | $855,264,250 | 679 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 2,260 |
| Cost of funding earning assets | 0.8166% | 2,565 |
| Net interest margin | 3.9190% | 2,191 |
| Noninterest income to average assets | 1.4424% | 424 |
| Noninterest expense to average assets | 3.7886% | 671 |
| Loan and lease loss provision to assets | 0.4195% | 288 |
| Net operating income to assets | 0.6507% | 4,163 |
| Return on assets (ROA) | 0.6507% | 4,213 |
| Pretax return on assets | 0.9170% | 3,797 |
| Return on Equity (ROE) | 7.0357% | 3,663 |
| Retained earnings to average equity (ytd only) | 4.9566% | 2,787 |
| Net charge-offs to loans | -0.0014% | 3,916 |
| Credit loss provision to net charge-offs | -35,416.6667% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5460% | 1,693 |
| Assets per employee ($millions) | 3.5870% | 4,390 |
| Cash dividends to net income (ytd only)* | 29.5510% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 3,161 |
| Loan loss allowance to noncurrent loans | 32.2436% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 3.5881% | 136 |
| Noncurrent loans to loans | 3.3573% | 264 |
| Net loans and leases to total assets | 83.0162% | 473 |
| Net loans and leases to deposits | 98.7681% | 767 |
| Net loans and leases to core deposits | 102.8111% | 1,487 |
| Total domestic deposits to total assets | 84.0516% | 2,838 |
| Equity capital to assets | 9.2849% | 4,586 |
| Core capital (leverage) ratio | 9.3153% | 4,347 |
| Tier 1 risk-based capital ratio | 10.1622% | 5,204 |
| Total risk-based capital ratio | 11.1768% | 5,186 |
| Memoranda: | ||
| Average total assets | $1,013,139,330 | 772 |
| Average earning assets | $952,039,330 | 755 |
| Average equity | $93,693,670 | 941 |
| Average total loans | $853,245,330 | 679 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6762% | 2,303 |
| Cost of funding earning assets | 0.8106% | 2,477 |
| Net interest margin | 3.8656% | 2,292 |
| Noninterest income to average assets | 1.1852% | 578 |
| Noninterest expense to average assets | 3.6922% | 760 |
| Loan and lease loss provision to assets | 0.2185% | 715 |
| Net operating income to assets | 0.6488% | 4,096 |
| Return on assets (ROA) | 0.6488% | 4,128 |
| Pretax return on assets | 0.9122% | 3,725 |
| Return on Equity (ROE) | 7.0301% | 3,671 |
| Retained earnings to average equity (ytd only) | 4.9551% | 2,924 |
| Net charge-offs to loans | -0.0014% | 3,827 |
| Credit loss provision to net charge-offs | -18,333.3333% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1512% | 1,483 |
| Assets per employee ($millions) | 3.5739% | 4,489 |
| Cash dividends to net income (ytd only)* | 29.5162% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 4,054 |
| Loan loss allowance to noncurrent loans | 27.5791% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 3.5670% | 151 |
| Noncurrent loans to loans | 3.3516% | 282 |
| Net loans and leases to total assets | 82.3371% | 552 |
| Net loans and leases to deposits | 98.9903% | 697 |
| Net loans and leases to core deposits | 121.2969% | 492 |
| Total domestic deposits to total assets | 83.1770% | 3,320 |
| Equity capital to assets | 9.2963% | 4,439 |
| Core capital (leverage) ratio | 9.1528% | 4,520 |
| Tier 1 risk-based capital ratio | 10.2719% | 5,231 |
| Total risk-based capital ratio | 11.1351% | 5,263 |
| Memoranda: | ||
| Average total assets | $1,006,767,500 | 782 |
| Average earning assets | $947,430,500 | 763 |
| Average equity | $92,914,500 | 942 |
| Average total loans | $849,383,500 | 687 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5392% | 2,335 |
| Cost of funding earning assets | 0.5932% | 2,775 |
| Net interest margin | 3.9460% | 2,175 |
| Noninterest income to average assets | 1.2795% | 571 |
| Noninterest expense to average assets | 3.8187% | 665 |
| Loan and lease loss provision to assets | 0.2363% | 754 |
| Net operating income to assets | 0.6758% | 4,218 |
| Return on assets (ROA) | 0.6758% | 4,225 |
| Pretax return on assets | 0.9485% | 3,766 |
| Return on Equity (ROE) | 7.5801% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.0183% | 2,186 |
| Net charge-offs to loans | 0.4915% | 364 |
| Credit loss provision to net charge-offs | 56.6402% | 3,131 |
| Earnings coverage of net charge-offs (x) | 2.8402% | 3,481 |
| Efficiency ratio | 75.9273% | 1,381 |
| Assets per employee ($millions) | 3.6974% | 4,321 |
| Cash dividends to net income (ytd only)* | 20.6040% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 4,421 |
| Loan loss allowance to noncurrent loans | 31.6945% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 3.0075% | 208 |
| Noncurrent loans to loans | 2.6334% | 442 |
| Net loans and leases to total assets | 84.9174% | 321 |
| Net loans and leases to deposits | 101.7792% | 608 |
| Net loans and leases to core deposits | 125.8632% | 398 |
| Total domestic deposits to total assets | 83.4330% | 3,182 |
| Equity capital to assets | 9.1615% | 4,439 |
| Core capital (leverage) ratio | 8.8281% | 4,790 |
| Tier 1 risk-based capital ratio | 9.8337% | 5,342 |
| Total risk-based capital ratio | 10.6110% | 5,360 |
| Memoranda: | ||
| Average total assets | $994,640,600 | 770 |
| Average earning assets | $938,662,200 | 748 |
| Average equity | $88,680,000 | 950 |
| Average total loans | $844,211,200 | 662 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 2,401 |
| Cost of funding earning assets | 0.5044% | 3,171 |
| Net interest margin | 3.9646% | 2,068 |
| Noninterest income to average assets | 1.3113% | 556 |
| Noninterest expense to average assets | 3.6130% | 841 |
| Loan and lease loss provision to assets | 0.2756% | 552 |
| Net operating income to assets | 0.8325% | 3,808 |
| Return on assets (ROA) | 0.8325% | 3,814 |
| Pretax return on assets | 1.1669% | 3,134 |
| Return on Equity (ROE) | 9.4028% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.2641% | 1,530 |
| Net charge-offs to loans | 0.2991% | 552 |
| Credit loss provision to net charge-offs | 108.8110% | 2,125 |
| Earnings coverage of net charge-offs (x) | 5.6959% | 2,946 |
| Efficiency ratio | 71.0761% | 2,027 |
| Assets per employee ($millions) | 3.6611% | 4,361 |
| Cash dividends to net income (ytd only)* | 12.1105% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,385 |
| Loan loss allowance to noncurrent loans | 26.8296% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 3.3726% | 185 |
| Noncurrent loans to loans | 3.9670% | 211 |
| Net loans and leases to total assets | 82.7123% | 600 |
| Net loans and leases to deposits | 98.0313% | 945 |
| Net loans and leases to core deposits | 126.3037% | 403 |
| Total domestic deposits to total assets | 84.3733% | 2,825 |
| Equity capital to assets | 8.9416% | 4,602 |
| Core capital (leverage) ratio | 9.0889% | 4,620 |
| Tier 1 risk-based capital ratio | 9.7603% | 5,416 |
| Total risk-based capital ratio | 10.7440% | 5,420 |
| Memoranda: | ||
| Average total assets | $991,876,500 | 772 |
| Average earning assets | $936,739,500 | 748 |
| Average equity | $87,815,750 | 950 |
| Average total loans | $839,964,000 | 661 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 1,994 |
| Cost of funding earning assets | 0.4282% | 3,511 |
| Net interest margin | 4.1033% | 1,547 |
| Noninterest income to average assets | 1.3385% | 539 |
| Noninterest expense to average assets | 3.6820% | 786 |
| Loan and lease loss provision to assets | 0.2552% | 603 |
| Net operating income to assets | 0.9092% | 3,421 |
| Return on assets (ROA) | 0.9092% | 3,425 |
| Pretax return on assets | 1.2736% | 2,620 |
| Return on Equity (ROE) | 10.3048% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.3792% | 1,099 |
| Net charge-offs to loans | 0.4500% | 340 |
| Credit loss provision to net charge-offs | 66.6667% | 2,382 |
| Earnings coverage of net charge-offs (x) | 3.9936% | 2,834 |
| Efficiency ratio | 70.2766% | 2,265 |
| Assets per employee ($millions) | 3.4051% | 4,707 |
| Cash dividends to net income (ytd only)* | 8.9827% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,836 |
| Loan loss allowance to noncurrent loans | 24.6849% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 3.4657% | 182 |
| Noncurrent loans to loans | 4.0515% | 216 |
| Net loans and leases to total assets | 83.2496% | 554 |
| Net loans and leases to deposits | 99.1779% | 869 |
| Net loans and leases to core deposits | 101.3500% | 1,620 |
| Total domestic deposits to total assets | 83.9397% | 3,091 |
| Equity capital to assets | 8.8716% | 4,671 |
| Core capital (leverage) ratio | 9.0393% | 4,658 |
| Tier 1 risk-based capital ratio | 9.4767% | 5,498 |
| Total risk-based capital ratio | 10.3870% | 5,504 |
| Memoranda: | ||
| Average total assets | $979,582,670 | 778 |
| Average earning assets | $924,423,670 | 757 |
| Average equity | $86,425,330 | 966 |
| Average total loans | $833,264,330 | 661 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 1,528 |
| Cost of funding earning assets | 0.4156% | 3,475 |
| Net interest margin | 4.1983% | 1,180 |
| Noninterest income to average assets | 1.3042% | 546 |
| Noninterest expense to average assets | 3.7004% | 757 |
| Loan and lease loss provision to assets | 0.2057% | 796 |
| Net operating income to assets | 0.9331% | 3,141 |
| Return on assets (ROA) | 0.9331% | 3,162 |
| Pretax return on assets | 1.3631% | 2,136 |
| Return on Equity (ROE) | 10.6064% | 2,127 |
| Retained earnings to average equity (ytd only) | 10.6064% | 990 |
| Net charge-offs to loans | 0.0178% | 2,150 |
| Credit loss provision to net charge-offs | 1,351.3514% | 268 |
| Earnings coverage of net charge-offs (x) | 103.0541% | 602 |
| Efficiency ratio | 69.8446% | 2,507 |
| Assets per employee ($millions) | 3.5918% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 3,112 |
| Loan loss allowance to noncurrent loans | 40.6041% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.4938% | 374 |
| Noncurrent loans to loans | 2.8230% | 444 |
| Net loans and leases to total assets | 84.6734% | 369 |
| Net loans and leases to deposits | 99.5790% | 741 |
| Net loans and leases to core deposits | 114.0228% | 805 |
| Total domestic deposits to total assets | 85.0314% | 2,921 |
| Equity capital to assets | 8.9860% | 4,573 |
| Core capital (leverage) ratio | 8.9194% | 4,776 |
| Tier 1 risk-based capital ratio | 9.5635% | 5,549 |
| Total risk-based capital ratio | 10.6241% | 5,555 |
| Memoranda: | ||
| Average total assets | $972,230,000 | 785 |
| Average earning assets | $918,187,000 | 763 |
| Average equity | $85,533,500 | 977 |
| Average total loans | $831,845,000 | 660 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 3,022 |
| Cost of funding earning assets | 0.3843% | 3,392 |
| Net interest margin | 3.7262% | 2,690 |
| Noninterest income to average assets | 1.1925% | 729 |
| Noninterest expense to average assets | 3.5195% | 1,000 |
| Loan and lease loss provision to assets | 0.1564% | 1,437 |
| Net operating income to assets | 0.6260% | 3,907 |
| Return on assets (ROA) | 0.6258% | 3,944 |
| Pretax return on assets | 1.0273% | 3,467 |
| Return on Equity (ROE) | 7.1868% | 3,183 |
| Retained earnings to average equity (ytd only) | 5.6968% | 1,709 |
| Net charge-offs to loans | 0.2072% | 1,252 |
| Credit loss provision to net charge-offs | 89.9696% | 2,784 |
| Earnings coverage of net charge-offs (x) | 6.8122% | 3,132 |
| Efficiency ratio | 74.5850% | 1,814 |
| Assets per employee ($millions) | 3.8204% | 4,252 |
| Cash dividends to net income (ytd only)* | 20.7327% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 3,500 |
| Loan loss allowance to noncurrent loans | 38.3447% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 2.4755% | 384 |
| Noncurrent loans to loans | 2.7933% | 425 |
| Net loans and leases to total assets | 84.5523% | 391 |
| Net loans and leases to deposits | 100.5448% | 689 |
| Net loans and leases to core deposits | 117.6832% | 664 |
| Total domestic deposits to total assets | 84.0942% | 3,166 |
| Equity capital to assets | 8.6130% | 5,025 |
| Core capital (leverage) ratio | 8.6942% | 4,958 |
| Tier 1 risk-based capital ratio | 9.2139% | 5,624 |
| Total risk-based capital ratio | 10.2045% | 5,627 |
| Memoranda: | ||
| Average total assets | $946,464,600 | 785 |
| Average earning assets | $891,800,800 | 761 |
| Average equity | $82,415,200 | 980 |
| Average total loans | $793,829,400 | 662 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0622% | 3,125 |
| Cost of funding earning assets | 0.3698% | 3,464 |
| Net interest margin | 3.6924% | 2,786 |
| Noninterest income to average assets | 1.1787% | 739 |
| Noninterest expense to average assets | 3.3921% | 1,171 |
| Loan and lease loss provision to assets | 0.1820% | 1,090 |
| Net operating income to assets | 0.6558% | 4,173 |
| Return on assets (ROA) | 0.6555% | 4,227 |
| Pretax return on assets | 1.0813% | 3,377 |
| Return on Equity (ROE) | 7.5070% | 3,388 |
| Retained earnings to average equity (ytd only) | 6.0658% | 2,190 |
| Net charge-offs to loans | 0.2500% | 864 |
| Credit loss provision to net charge-offs | 87.2529% | 2,490 |
| Earnings coverage of net charge-offs (x) | 6.0579% | 3,025 |
| Efficiency ratio | 72.6765% | 2,102 |
| Assets per employee ($millions) | 3.9376% | 4,096 |
| Cash dividends to net income (ytd only)* | 19.1974% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,374 |
| Loan loss allowance to noncurrent loans | 36.9610% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 2.5742% | 408 |
| Noncurrent loans to loans | 3.0334% | 414 |
| Net loans and leases to total assets | 82.6384% | 585 |
| Net loans and leases to deposits | 97.9204% | 929 |
| Net loans and leases to core deposits | 116.5746% | 730 |
| Total domestic deposits to total assets | 84.3935% | 2,958 |
| Equity capital to assets | 8.7704% | 5,104 |
| Core capital (leverage) ratio | 8.8177% | 4,944 |
| Tier 1 risk-based capital ratio | 9.5980% | 5,662 |
| Total risk-based capital ratio | 10.6399% | 5,665 |
| Memoranda: | ||
| Average total assets | $937,618,750 | 795 |
| Average earning assets | $882,956,250 | 772 |
| Average equity | $81,877,250 | 995 |
| Average total loans | $782,496,000 | 669 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 3,148 |
| Cost of funding earning assets | 0.3582% | 3,500 |
| Net interest margin | 3.6594% | 2,795 |
| Noninterest income to average assets | 1.1686% | 744 |
| Noninterest expense to average assets | 3.3896% | 1,196 |
| Loan and lease loss provision to assets | 0.2105% | 848 |
| Net operating income to assets | 0.6140% | 4,240 |
| Return on assets (ROA) | 0.6136% | 4,287 |
| Pretax return on assets | 1.0105% | 3,523 |
| Return on Equity (ROE) | 7.0372% | 3,533 |
| Retained earnings to average equity (ytd only) | 5.4731% | 2,425 |
| Net charge-offs to loans | 0.0597% | 2,077 |
| Credit loss provision to net charge-offs | 422.4138% | 752 |
| Earnings coverage of net charge-offs (x) | 24.5172% | 1,639 |
| Efficiency ratio | 73.4001% | 2,106 |
| Assets per employee ($millions) | 3.4254% | 4,826 |
| Cash dividends to net income (ytd only)* | 22.2261% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,704 |
| Loan loss allowance to noncurrent loans | 42.5209% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 2.4960% | 436 |
| Noncurrent loans to loans | 2.9336% | 448 |
| Net loans and leases to total assets | 82.6103% | 592 |
| Net loans and leases to deposits | 96.6600% | 1,013 |
| Net loans and leases to core deposits | 114.2684% | 788 |
| Total domestic deposits to total assets | 85.4649% | 2,626 |
| Equity capital to assets | 8.6931% | 5,149 |
| Core capital (leverage) ratio | 8.7642% | 4,990 |
| Tier 1 risk-based capital ratio | 9.6257% | 5,694 |
| Total risk-based capital ratio | 10.7883% | 5,690 |
| Memoranda: | ||
| Average total assets | $931,210,330 | 807 |
| Average earning assets | $876,034,000 | 784 |
| Average equity | $81,196,670 | 1,003 |
| Average total loans | $776,765,670 | 677 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9899% | 3,074 |
| Cost of funding earning assets | 0.3551% | 3,473 |
| Net interest margin | 3.6348% | 2,757 |
| Noninterest income to average assets | 1.1075% | 811 |
| Noninterest expense to average assets | 3.4241% | 1,150 |
| Loan and lease loss provision to assets | 0.1843% | 928 |
| Net operating income to assets | 0.5555% | 4,348 |
| Return on assets (ROA) | 0.5555% | 4,395 |
| Pretax return on assets | 0.9124% | 3,719 |
| Return on Equity (ROE) | 6.3610% | 3,734 |
| Retained earnings to average equity (ytd only) | 5.9886% | 2,343 |
| Net charge-offs to loans | 0.0651% | 1,680 |
| Credit loss provision to net charge-offs | 340.0000% | 727 |
| Earnings coverage of net charge-offs (x) | 20.2320% | 1,491 |
| Efficiency ratio | 75.6355% | 1,966 |
| Assets per employee ($millions) | 3.9842% | 4,038 |
| Cash dividends to net income (ytd only)* | 5.8548% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,892 |
| Loan loss allowance to noncurrent loans | 129.4932% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 2,200 |
| Noncurrent loans to loans | 0.9566% | 2,127 |
| Net loans and leases to total assets | 80.8370% | 718 |
| Net loans and leases to deposits | 95.1835% | 990 |
| Net loans and leases to core deposits | 106.2086% | 1,085 |
| Total domestic deposits to total assets | 84.9275% | 3,117 |
| Equity capital to assets | 8.7107% | 5,068 |
| Core capital (leverage) ratio | 8.7401% | 5,006 |
| Tier 1 risk-based capital ratio | 9.8793% | 5,723 |
| Total risk-based capital ratio | 11.0329% | 5,725 |
| Memoranda: | ||
| Average total assets | $922,399,500 | 815 |
| Average earning assets | $866,180,500 | 800 |
| Average equity | $80,553,500 | 1,009 |
| Average total loans | $768,281,500 | 688 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 2,986 |
| Cost of funding earning assets | 0.3693% | 3,321 |
| Net interest margin | 3.6918% | 2,729 |
| Noninterest income to average assets | 1.2679% | 706 |
| Noninterest expense to average assets | 3.4576% | 1,237 |
| Loan and lease loss provision to assets | 0.2380% | 897 |
| Net operating income to assets | 0.6190% | 4,131 |
| Return on assets (ROA) | 0.6190% | 4,249 |
| Pretax return on assets | 1.0143% | 3,427 |
| Return on Equity (ROE) | 7.1298% | 3,400 |
| Retained earnings to average equity (ytd only) | 5.6554% | 1,915 |
| Net charge-offs to loans | 0.0842% | 2,487 |
| Credit loss provision to net charge-offs | 330.4821% | 913 |
| Earnings coverage of net charge-offs (x) | 17.3904% | 2,049 |
| Efficiency ratio | 73.3016% | 2,375 |
| Assets per employee ($millions) | 3.9674% | 4,029 |
| Cash dividends to net income (ytd only)* | 20.6803% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 3,219 |
| Loan loss allowance to noncurrent loans | 123.6558% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 2,120 |
| Noncurrent loans to loans | 0.9570% | 2,170 |
| Net loans and leases to total assets | 83.7605% | 407 |
| Net loans and leases to deposits | 96.2348% | 974 |
| Net loans and leases to core deposits | 111.3984% | 813 |
| Total domestic deposits to total assets | 87.0377% | 2,126 |
| Equity capital to assets | 8.7559% | 5,057 |
| Core capital (leverage) ratio | 8.7984% | 4,970 |
| Tier 1 risk-based capital ratio | 9.6043% | 5,808 |
| Total risk-based capital ratio | 10.7067% | 5,816 |
| Memoranda: | ||
| Average total assets | $892,895,200 | 814 |
| Average earning assets | $832,495,000 | 794 |
| Average equity | $77,519,400 | 1,024 |
| Average total loans | $763,781,800 | 655 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 3,041 |
| Cost of funding earning assets | 0.3700% | 3,330 |
| Net interest margin | 3.6785% | 2,800 |
| Noninterest income to average assets | 1.2653% | 726 |
| Noninterest expense to average assets | 3.4130% | 1,319 |
| Loan and lease loss provision to assets | 0.2515% | 749 |
| Net operating income to assets | 0.6261% | 4,178 |
| Return on assets (ROA) | 0.6261% | 4,301 |
| Pretax return on assets | 1.0300% | 3,516 |
| Return on Equity (ROE) | 7.2276% | 3,436 |
| Retained earnings to average equity (ytd only) | 5.7544% | 2,322 |
| Net charge-offs to loans | 0.0299% | 3,057 |
| Credit loss provision to net charge-offs | 979.5322% | 416 |
| Earnings coverage of net charge-offs (x) | 49.9132% | 1,071 |
| Efficiency ratio | 72.5932% | 2,483 |
| Assets per employee ($millions) | 4.0120% | 3,946 |
| Cash dividends to net income (ytd only)* | 20.3838% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 3,353 |
| Loan loss allowance to noncurrent loans | 108.3491% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.0317% | 1,998 |
| Noncurrent loans to loans | 1.0919% | 2,072 |
| Net loans and leases to total assets | 85.2779% | 306 |
| Net loans and leases to deposits | 98.3921% | 820 |
| Net loans and leases to core deposits | 115.4065% | 678 |
| Total domestic deposits to total assets | 86.6715% | 2,051 |
| Equity capital to assets | 8.8343% | 5,299 |
| Core capital (leverage) ratio | 8.7858% | 5,071 |
| Tier 1 risk-based capital ratio | 9.5163% | 5,875 |
| Total risk-based capital ratio | 10.6261% | 5,886 |
| Memoranda: | ||
| Average total assets | $887,995,750 | 816 |
| Average earning assets | $827,818,750 | 795 |
| Average equity | $76,925,000 | 1,037 |
| Average total loans | $761,361,750 | 659 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,137 |
| Cost of funding earning assets | 0.3684% | 3,370 |
| Net interest margin | 3.6612% | 2,856 |
| Noninterest income to average assets | 1.2066% | 775 |
| Noninterest expense to average assets | 3.3961% | 1,381 |
| Loan and lease loss provision to assets | 0.2318% | 873 |
| Net operating income to assets | 0.5970% | 4,285 |
| Return on assets (ROA) | 0.5970% | 4,407 |
| Pretax return on assets | 0.9900% | 3,623 |
| Return on Equity (ROE) | 6.9380% | 3,583 |
| Retained earnings to average equity (ytd only) | 4.7042% | 2,919 |
| Net charge-offs to loans | 0.0402% | 2,654 |
| Credit loss provision to net charge-offs | 674.3421% | 516 |
| Earnings coverage of net charge-offs (x) | 35.5461% | 1,248 |
| Efficiency ratio | 73.4293% | 2,444 |
| Assets per employee ($millions) | 4.2430% | 3,477 |
| Cash dividends to net income (ytd only)* | 32.1970% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,793 |
| Loan loss allowance to noncurrent loans | 108.2067% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9807% | 2,186 |
| Noncurrent loans to loans | 1.0430% | 2,195 |
| Net loans and leases to total assets | 84.0027% | 420 |
| Net loans and leases to deposits | 96.8919% | 976 |
| Net loans and leases to core deposits | 112.5285% | 790 |
| Total domestic deposits to total assets | 86.6973% | 2,062 |
| Equity capital to assets | 8.7354% | 5,457 |
| Core capital (leverage) ratio | 8.7846% | 5,075 |
| Tier 1 risk-based capital ratio | 9.6526% | 5,924 |
| Total risk-based capital ratio | 10.7218% | 5,937 |
| Memoranda: | ||
| Average total assets | $884,435,000 | 819 |
| Average earning assets | $824,051,670 | 804 |
| Average equity | $76,102,670 | 1,050 |
| Average total loans | $756,632,670 | 658 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 2,996 |
| Cost of funding earning assets | 0.3774% | 3,331 |
| Net interest margin | 3.6845% | 2,736 |
| Noninterest income to average assets | 1.1898% | 777 |
| Noninterest expense to average assets | 3.4015% | 1,376 |
| Loan and lease loss provision to assets | 0.2270% | 818 |
| Net operating income to assets | 0.5920% | 4,217 |
| Return on assets (ROA) | 0.5920% | 4,327 |
| Pretax return on assets | 0.9919% | 3,514 |
| Return on Equity (ROE) | 6.9328% | 3,490 |
| Retained earnings to average equity (ytd only) | 3.8758% | 3,561 |
| Net charge-offs to loans | 0.0100% | 2,787 |
| Credit loss provision to net charge-offs | 2,631.5789% | 160 |
| Earnings coverage of net charge-offs (x) | 141.3158% | 424 |
| Efficiency ratio | 73.5115% | 2,555 |
| Assets per employee ($millions) | 4.0324% | 3,892 |
| Cash dividends to net income (ytd only)* | 44.0951% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 4,109 |
| Loan loss allowance to noncurrent loans | 101.8745% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.0474% | 2,115 |
| Noncurrent loans to loans | 1.0701% | 2,249 |
| Net loans and leases to total assets | 82.9966% | 455 |
| Net loans and leases to deposits | 95.2789% | 1,012 |
| Net loans and leases to core deposits | 106.7291% | 1,033 |
| Total domestic deposits to total assets | 87.1091% | 2,150 |
| Equity capital to assets | 8.4881% | 5,574 |
| Core capital (leverage) ratio | 8.5478% | 5,347 |
| Tier 1 risk-based capital ratio | 9.4691% | 6,011 |
| Total risk-based capital ratio | 10.4974% | 6,032 |
| Memoranda: | ||
| Average total assets | $881,137,000 | 825 |
| Average earning assets | $820,411,000 | 814 |
| Average equity | $75,236,500 | 1,055 |
| Average total loans | $756,432,000 | 659 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 2,884 |
| Cost of funding earning assets | 0.4617% | 2,521 |
| Net interest margin | 3.6464% | 2,955 |
| Noninterest income to average assets | 1.3162% | 698 |
| Noninterest expense to average assets | 3.6681% | 1,020 |
| Loan and lease loss provision to assets | 0.3012% | 572 |
| Net operating income to assets | 0.4388% | 4,920 |
| Return on assets (ROA) | 0.4835% | 4,841 |
| Pretax return on assets | 0.7970% | 4,199 |
| Return on Equity (ROE) | 5.7161% | 4,180 |
| Retained earnings to average equity (ytd only) | 4.2570% | 2,955 |
| Net charge-offs to loans | 0.2168% | 1,359 |
| Credit loss provision to net charge-offs | 162.8716% | 1,648 |
| Earnings coverage of net charge-offs (x) | 5.5604% | 3,364 |
| Efficiency ratio | 77.9878% | 1,970 |
| Assets per employee ($millions) | 3.9777% | 3,979 |
| Cash dividends to net income (ytd only)* | 25.5263% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 4,597 |
| Loan loss allowance to noncurrent loans | 99.1854% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0469% | 2,092 |
| Noncurrent loans to loans | 1.0109% | 2,321 |
| Net loans and leases to total assets | 86.9472% | 169 |
| Net loans and leases to deposits | 100.6730% | 631 |
| Net loans and leases to core deposits | 112.0400% | 769 |
| Total domestic deposits to total assets | 86.3659% | 2,452 |
| Equity capital to assets | 8.5902% | 5,484 |
| Core capital (leverage) ratio | 8.6742% | 5,245 |
| Tier 1 risk-based capital ratio | 9.1795% | 6,091 |
| Total risk-based capital ratio | 10.1258% | 6,105 |
| Memoranda: | ||
| Average total assets | $854,802,400 | 809 |
| Average earning assets | $792,422,800 | 795 |
| Average equity | $72,304,400 | 1,055 |
| Average total loans | $729,158,000 | 639 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 2,905 |
| Cost of funding earning assets | 0.4786% | 2,422 |
| Net interest margin | 3.6294% | 3,032 |
| Noninterest income to average assets | 1.3554% | 665 |
| Noninterest expense to average assets | 3.6390% | 1,059 |
| Loan and lease loss provision to assets | 0.3252% | 428 |
| Net operating income to assets | 0.4572% | 4,945 |
| Return on assets (ROA) | 0.5170% | 4,818 |
| Pretax return on assets | 0.8479% | 4,183 |
| Return on Equity (ROE) | 6.1370% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.3836% | 2,654 |
| Net charge-offs to loans | 0.2079% | 1,247 |
| Credit loss provision to net charge-offs | 184.7729% | 1,435 |
| Earnings coverage of net charge-offs (x) | 6.1336% | 3,094 |
| Efficiency ratio | 77.0087% | 2,092 |
| Assets per employee ($millions) | 3.8127% | 4,244 |
| Cash dividends to net income (ytd only)* | 12.2765% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 4,595 |
| Loan loss allowance to noncurrent loans | 90.1986% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.2272% | 1,916 |
| Noncurrent loans to loans | 1.1401% | 2,231 |
| Net loans and leases to total assets | 87.5330% | 162 |
| Net loans and leases to deposits | 103.5740% | 468 |
| Net loans and leases to core deposits | 106.1063% | 1,092 |
| Total domestic deposits to total assets | 84.5125% | 3,217 |
| Equity capital to assets | 8.8897% | 5,405 |
| Core capital (leverage) ratio | 8.7424% | 5,306 |
| Tier 1 risk-based capital ratio | 9.3390% | 6,166 |
| Total risk-based capital ratio | 10.2993% | 6,177 |
| Memoranda: | ||
| Average total assets | $850,724,750 | 815 |
| Average earning assets | $788,318,750 | 803 |
| Average equity | $71,673,000 | 1,070 |
| Average total loans | $720,177,750 | 651 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 3,039 |
| Cost of funding earning assets | 0.4919% | 2,329 |
| Net interest margin | 3.5706% | 3,205 |
| Noninterest income to average assets | 1.2748% | 751 |
| Noninterest expense to average assets | 3.5362% | 1,245 |
| Loan and lease loss provision to assets | 0.3218% | 439 |
| Net operating income to assets | 0.4386% | 5,010 |
| Return on assets (ROA) | 0.5223% | 4,776 |
| Pretax return on assets | 0.8562% | 4,102 |
| Return on Equity (ROE) | 6.3133% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.2384% | 2,709 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0358% | 2,199 |
| Assets per employee ($millions) | 3.9640% | 3,951 |
| Cash dividends to net income (ytd only)* | 17.0251% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 4,417 |
| Loan loss allowance to noncurrent loans | 87.3224% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.6679% | 1,431 |
| Noncurrent loans to loans | 1.2411% | 2,174 |
| Net loans and leases to total assets | 84.6565% | 325 |
| Net loans and leases to deposits | 99.2513% | 705 |
| Net loans and leases to core deposits | 102.3135% | 1,305 |
| Total domestic deposits to total assets | 85.2951% | 3,009 |
| Equity capital to assets | 8.4775% | 5,705 |
| Core capital (leverage) ratio | 8.5809% | 5,461 |
| Tier 1 risk-based capital ratio | 9.1194% | 6,245 |
| Total risk-based capital ratio | 10.1228% | 6,257 |
| Memoranda: | ||
| Average total assets | $854,700,000 | 814 |
| Average earning assets | $791,972,330 | 800 |
| Average equity | $70,708,330 | 1,090 |
| Average total loans | $712,952,000 | 658 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9358% | 3,480 |
| Cost of funding earning assets | 0.5030% | 2,258 |
| Net interest margin | 3.4328% | 3,700 |
| Noninterest income to average assets | 1.2528% | 726 |
| Noninterest expense to average assets | 3.5071% | 1,293 |
| Loan and lease loss provision to assets | 0.2948% | 502 |
| Net operating income to assets | 0.3793% | 5,144 |
| Return on assets (ROA) | 0.4759% | 4,896 |
| Pretax return on assets | 0.7793% | 4,318 |
| Return on Equity (ROE) | 5.8269% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.6324% | 3,826 |
| Net charge-offs to loans | -0.0011% | 4,328 |
| Credit loss provision to net charge-offs | -31,250.0000% | 5,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0460% | 2,030 |
| Assets per employee ($millions) | 3.9858% | 3,991 |
| Cash dividends to net income (ytd only)* | 37.6611% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 4,746 |
| Loan loss allowance to noncurrent loans | 71.6078% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.7993% | 1,365 |
| Noncurrent loans to loans | 1.4704% | 1,927 |
| Net loans and leases to total assets | 81.6158% | 502 |
| Net loans and leases to deposits | 94.6785% | 923 |
| Net loans and leases to core deposits | 97.5408% | 1,514 |
| Total domestic deposits to total assets | 86.2031% | 2,828 |
| Equity capital to assets | 8.2842% | 5,880 |
| Core capital (leverage) ratio | 8.2388% | 5,784 |
| Tier 1 risk-based capital ratio | 9.1795% | 6,304 |
| Total risk-based capital ratio | 10.1505% | 6,319 |
| Memoranda: | ||
| Average total assets | $847,990,500 | 826 |
| Average earning assets | $784,896,000 | 815 |
| Average equity | $69,265,000 | 1,114 |
| Average total loans | $697,942,500 | 664 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 3,775 |
| Cost of funding earning assets | 0.5650% | 2,094 |
| Net interest margin | 3.4210% | 4,104 |
| Noninterest income to average assets | 1.1943% | 846 |
| Noninterest expense to average assets | 3.5548% | 1,379 |
| Loan and lease loss provision to assets | 0.2225% | 1,106 |
| Net operating income to assets | 0.3987% | 5,229 |
| Return on assets (ROA) | 0.4005% | 5,288 |
| Pretax return on assets | 0.5854% | 4,985 |
| Return on Equity (ROE) | 4.8436% | 4,745 |
| Retained earnings to average equity (ytd only) | 2.7314% | 4,298 |
| Net charge-offs to loans | 0.2021% | 2,049 |
| Credit loss provision to net charge-offs | 139.4155% | 1,704 |
| Earnings coverage of net charge-offs (x) | 5.0458% | 3,509 |
| Efficiency ratio | 81.4667% | 1,717 |
| Assets per employee ($millions) | 3.8863% | 4,196 |
| Cash dividends to net income (ytd only)* | 43.6083% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 5,288 |
| Loan loss allowance to noncurrent loans | 78.2858% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 1,983 |
| Noncurrent loans to loans | 1.2146% | 2,418 |
| Net loans and leases to total assets | 81.3486% | 589 |
| Net loans and leases to deposits | 95.7650% | 917 |
| Net loans and leases to core deposits | 101.8989% | 1,250 |
| Total domestic deposits to total assets | 84.9461% | 3,306 |
| Equity capital to assets | 8.0540% | 6,039 |
| Core capital (leverage) ratio | 8.6723% | 5,367 |
| Tier 1 risk-based capital ratio | 9.3067% | 6,378 |
| Total risk-based capital ratio | 10.2186% | 6,401 |
| Memoranda: | ||
| Average total assets | $793,091,400 | 854 |
| Average earning assets | $733,976,200 | 836 |
| Average equity | $65,570,400 | 1,122 |
| Average total loans | $626,519,200 | 700 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 3,794 |
| Cost of funding earning assets | 0.5749% | 2,064 |
| Net interest margin | 3.4165% | 4,169 |
| Noninterest income to average assets | 1.1709% | 879 |
| Noninterest expense to average assets | 3.5231% | 1,425 |
| Loan and lease loss provision to assets | 0.1483% | 1,690 |
| Net operating income to assets | 0.4573% | 5,040 |
| Return on assets (ROA) | 0.4573% | 5,121 |
| Pretax return on assets | 0.6603% | 4,839 |
| Return on Equity (ROE) | 5.4919% | 4,493 |
| Retained earnings to average equity (ytd only) | 3.1547% | 4,379 |
| Net charge-offs to loans | 0.0200% | 4,129 |
| Credit loss provision to net charge-offs | 950.5495% | 344 |
| Earnings coverage of net charge-offs (x) | 51.8243% | 956 |
| Efficiency ratio | 81.2935% | 1,709 |
| Assets per employee ($millions) | 3.8536% | 4,181 |
| Cash dividends to net income (ytd only)* | 42.5573% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 5,130 |
| Loan loss allowance to noncurrent loans | 82.7810% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4812% | 2,081 |
| Noncurrent loans to loans | 1.2304% | 2,584 |
| Net loans and leases to total assets | 79.3955% | 785 |
| Net loans and leases to deposits | 95.8327% | 894 |
| Net loans and leases to core deposits | 99.5872% | 1,407 |
| Total domestic deposits to total assets | 82.8480% | 4,195 |
| Equity capital to assets | 8.0978% | 6,083 |
| Core capital (leverage) ratio | 8.3362% | 5,817 |
| Tier 1 risk-based capital ratio | 9.5149% | 6,434 |
| Total risk-based capital ratio | 10.4845% | 6,449 |
| Memoranda: | ||
| Average total assets | $777,619,000 | 876 |
| Average earning assets | $719,422,250 | 855 |
| Average equity | $64,748,000 | 1,142 |
| Average total loans | $607,601,000 | 722 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9468% | 3,943 |
| Cost of funding earning assets | 0.5840% | 2,036 |
| Net interest margin | 3.3628% | 4,340 |
| Noninterest income to average assets | 1.0417% | 1,092 |
| Noninterest expense to average assets | 3.5052% | 1,468 |
| Loan and lease loss provision to assets | 0.0763% | 2,746 |
| Net operating income to assets | 0.3686% | 5,335 |
| Return on assets (ROA) | 0.3686% | 5,406 |
| Pretax return on assets | 0.5719% | 5,050 |
| Return on Equity (ROE) | 4.3835% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.8041% | 4,989 |
| Net charge-offs to loans | -0.0078% | 5,269 |
| Credit loss provision to net charge-offs | -1,260.8696% | 5,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3695% | 1,458 |
| Assets per employee ($millions) | 3.3666% | 5,126 |
| Cash dividends to net income (ytd only)* | 58.8445% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 5,124 |
| Loan loss allowance to noncurrent loans | 85.9401% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.4906% | 2,188 |
| Noncurrent loans to loans | 1.2197% | 2,796 |
| Net loans and leases to total assets | 77.2374% | 1,020 |
| Net loans and leases to deposits | 90.0838% | 1,366 |
| Net loans and leases to core deposits | 93.3950% | 1,828 |
| Total domestic deposits to total assets | 85.7396% | 3,180 |
| Equity capital to assets | 8.3381% | 5,924 |
| Core capital (leverage) ratio | 8.4261% | 5,718 |
| Tier 1 risk-based capital ratio | 10.0888% | 6,372 |
| Total risk-based capital ratio | 11.0831% | 6,412 |
| Memoranda: | ||
| Average total assets | $760,651,000 | 894 |
| Average earning assets | $703,817,000 | 873 |
| Average equity | $63,966,670 | 1,148 |
| Average total loans | $588,608,330 | 740 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 3,973 |
| Cost of funding earning assets | 0.5861% | 2,107 |
| Net interest margin | 3.3426% | 4,359 |
| Noninterest income to average assets | 0.9869% | 1,159 |
| Noninterest expense to average assets | 3.5341% | 1,422 |
| Loan and lease loss provision to assets | 0.0265% | 3,488 |
| Net operating income to assets | 0.3362% | 5,368 |
| Return on assets (ROA) | 0.3362% | 5,419 |
| Pretax return on assets | 0.5183% | 5,110 |
| Return on Equity (ROE) | 3.9807% | 5,047 |
| Retained earnings to average equity (ytd only) | 2.1000% | 4,761 |
| Net charge-offs to loans | -0.0186% | 5,318 |
| Credit loss provision to net charge-offs | -185.1852% | 4,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6173% | 1,378 |
| Assets per employee ($millions) | 3.1858% | 5,548 |
| Cash dividends to net income (ytd only)* | 47.2441% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 5,338 |
| Loan loss allowance to noncurrent loans | 63.0661% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.9069% | 1,804 |
| Noncurrent loans to loans | 1.6537% | 2,347 |
| Net loans and leases to total assets | 76.3045% | 967 |
| Net loans and leases to deposits | 88.7346% | 1,281 |
| Net loans and leases to core deposits | 92.2670% | 1,706 |
| Total domestic deposits to total assets | 85.9918% | 3,368 |
| Equity capital to assets | 8.4739% | 5,680 |
| Core capital (leverage) ratio | 8.4669% | 5,684 |
| Tier 1 risk-based capital ratio | 10.3288% | 6,386 |
| Total risk-based capital ratio | 11.3125% | 6,431 |
| Memoranda: | ||
| Average total assets | $755,497,000 | 905 |
| Average earning assets | $698,850,000 | 884 |
| Average equity | $63,808,500 | 1,151 |
| Average total loans | $582,024,000 | 749 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1046% | 3,722 |
| Cost of funding earning assets | 0.6268% | 2,418 |
| Net interest margin | 3.4778% | 3,993 |
| Noninterest income to average assets | 1.2119% | 958 |
| Noninterest expense to average assets | 3.4071% | 1,867 |
| Loan and lease loss provision to assets | 0.1619% | 2,257 |
| Net operating income to assets | 0.5375% | 4,567 |
| Return on assets (ROA) | 0.5401% | 4,682 |
| Pretax return on assets | 0.8754% | 3,870 |
| Return on Equity (ROE) | 6.4264% | 3,866 |
| Retained earnings to average equity (ytd only) | 4.6268% | 2,865 |
| Net charge-offs to loans | 0.3506% | 1,928 |
| Credit loss provision to net charge-offs | 60.3015% | 3,554 |
| Earnings coverage of net charge-offs (x) | 3.8487% | 3,738 |
| Efficiency ratio | 76.7022% | 2,674 |
| Assets per employee ($millions) | 3.2169% | 5,455 |
| Cash dividends to net income (ytd only)* | 28.0040% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 5,416 |
| Loan loss allowance to noncurrent loans | 94.3500% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.5101% | 2,460 |
| Noncurrent loans to loans | 1.0920% | 3,349 |
| Net loans and leases to total assets | 76.1755% | 1,047 |
| Net loans and leases to deposits | 88.1424% | 1,443 |
| Net loans and leases to core deposits | 94.4313% | 1,567 |
| Total domestic deposits to total assets | 86.4232% | 3,032 |
| Equity capital to assets | 8.4180% | 5,669 |
| Core capital (leverage) ratio | 8.7008% | 5,415 |
| Tier 1 risk-based capital ratio | 10.2443% | 6,449 |
| Total risk-based capital ratio | 11.2127% | 6,495 |
| Memoranda: | ||
| Average total assets | $741,224,200 | 897 |
| Average earning assets | $688,075,200 | 880 |
| Average equity | $62,289,800 | 1,158 |
| Average total loans | $567,519,800 | 741 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 3,564 |
| Cost of funding earning assets | 0.6355% | 2,503 |
| Net interest margin | 3.5153% | 3,808 |
| Noninterest income to average assets | 1.2025% | 1,012 |
| Noninterest expense to average assets | 3.3738% | 1,882 |
| Loan and lease loss provision to assets | 0.1808% | 2,012 |
| Net operating income to assets | 0.5649% | 4,505 |
| Return on assets (ROA) | 0.5684% | 4,631 |
| Pretax return on assets | 0.9202% | 3,792 |
| Return on Equity (ROE) | 6.7663% | 3,776 |
| Retained earnings to average equity (ytd only) | 5.6235% | 2,649 |
| Net charge-offs to loans | 0.4681% | 1,372 |
| Credit loss provision to net charge-offs | 50.5051% | 3,485 |
| Earnings coverage of net charge-offs (x) | 3.0606% | 3,817 |
| Efficiency ratio | 75.4641% | 2,820 |
| Assets per employee ($millions) | 3.0456% | 5,779 |
| Cash dividends to net income (ytd only)* | 16.8892% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 5,545 |
| Loan loss allowance to noncurrent loans | 88.3427% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1161% | 3,418 |
| Noncurrent loans to loans | 1.1810% | 3,456 |
| Net loans and leases to total assets | 75.6427% | 1,052 |
| Net loans and leases to deposits | 88.0822% | 1,355 |
| Net loans and leases to core deposits | 91.6992% | 1,791 |
| Total domestic deposits to total assets | 85.8774% | 3,333 |
| Equity capital to assets | 8.7016% | 5,519 |
| Core capital (leverage) ratio | 8.7096% | 5,528 |
| Tier 1 risk-based capital ratio | 10.6536% | 6,409 |
| Total risk-based capital ratio | 11.6330% | 6,452 |
| Memoranda: | ||
| Average total assets | $737,538,750 | 911 |
| Average earning assets | $685,414,750 | 888 |
| Average equity | $61,953,000 | 1,172 |
| Average total loans | $563,935,750 | 740 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 3,672 |
| Cost of funding earning assets | 0.6390% | 2,600 |
| Net interest margin | 3.4766% | 3,893 |
| Noninterest income to average assets | 1.2404% | 1,016 |
| Noninterest expense to average assets | 3.3423% | 1,960 |
| Loan and lease loss provision to assets | 0.1890% | 2,002 |
| Net operating income to assets | 0.5818% | 4,391 |
| Return on assets (ROA) | 0.5870% | 4,541 |
| Pretax return on assets | 0.9520% | 3,713 |
| Return on Equity (ROE) | 7.0709% | 3,559 |
| Retained earnings to average equity (ytd only) | 5.3438% | 2,845 |
| Net charge-offs to loans | 0.3541% | 1,780 |
| Credit loss provision to net charge-offs | 69.7906% | 2,833 |
| Earnings coverage of net charge-offs (x) | 4.1834% | 3,196 |
| Efficiency ratio | 74.6606% | 3,001 |
| Assets per employee ($millions) | 3.1528% | 5,578 |
| Cash dividends to net income (ytd only)* | 24.4250% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 5,247 |
| Loan loss allowance to noncurrent loans | 82.9643% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.1625% | 3,425 |
| Noncurrent loans to loans | 1.3852% | 3,227 |
| Net loans and leases to total assets | 76.2258% | 959 |
| Net loans and leases to deposits | 87.9422% | 1,342 |
| Net loans and leases to core deposits | 91.4688% | 1,765 |
| Total domestic deposits to total assets | 86.6771% | 3,014 |
| Equity capital to assets | 8.5357% | 5,734 |
| Core capital (leverage) ratio | 8.4845% | 5,690 |
| Tier 1 risk-based capital ratio | 10.3952% | 6,538 |
| Total risk-based capital ratio | 11.4789% | 6,554 |
| Memoranda: | ||
| Average total assets | $740,755,330 | 908 |
| Average earning assets | $689,243,330 | 880 |
| Average equity | $61,491,330 | 1,186 |
| Average total loans | $566,447,670 | 736 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 3,701 |
| Cost of funding earning assets | 0.6524% | 2,633 |
| Net interest margin | 3.4541% | 3,885 |
| Noninterest income to average assets | 1.1586% | 1,116 |
| Noninterest expense to average assets | 3.2771% | 2,139 |
| Loan and lease loss provision to assets | 0.1610% | 2,261 |
| Net operating income to assets | 0.5817% | 4,304 |
| Return on assets (ROA) | 0.5817% | 4,455 |
| Pretax return on assets | 0.9423% | 3,601 |
| Return on Equity (ROE) | 7.1059% | 3,436 |
| Retained earnings to average equity (ytd only) | 4.6084% | 3,475 |
| Net charge-offs to loans | 0.2234% | 2,096 |
| Credit loss provision to net charge-offs | 94.6372% | 1,943 |
| Earnings coverage of net charge-offs (x) | 6.4858% | 2,212 |
| Efficiency ratio | 74.7887% | 3,126 |
| Assets per employee ($millions) | 3.2868% | 5,462 |
| Cash dividends to net income (ytd only)* | 35.1476% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 5,047 |
| Loan loss allowance to noncurrent loans | 78.3878% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.3263% | 3,305 |
| Noncurrent loans to loans | 1.5696% | 3,182 |
| Net loans and leases to total assets | 74.1235% | 1,058 |
| Net loans and leases to deposits | 85.7251% | 1,378 |
| Net loans and leases to core deposits | 89.8236% | 1,713 |
| Total domestic deposits to total assets | 86.4665% | 3,260 |
| Equity capital to assets | 8.3727% | 6,127 |
| Core capital (leverage) ratio | 8.1255% | 6,023 |
| Tier 1 risk-based capital ratio | 10.5547% | 6,561 |
| Total risk-based capital ratio | 11.7213% | 6,568 |
| Memoranda: | ||
| Average total assets | $745,404,500 | 905 |
| Average earning assets | $695,297,000 | 884 |
| Average equity | $61,019,500 | 1,205 |
| Average total loans | $567,651,000 | 739 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 3,714 |
| Cost of funding earning assets | 0.7951% | 2,705 |
| Net interest margin | 3.6297% | 3,967 |
| Noninterest income to average assets | 1.3399% | 861 |
| Noninterest expense to average assets | 3.3261% | 2,266 |
| Loan and lease loss provision to assets | 0.4309% | 1,480 |
| Net operating income to assets | 0.5991% | 4,242 |
| Return on assets (ROA) | 0.5996% | 4,502 |
| Pretax return on assets | 0.9679% | 3,665 |
| Return on Equity (ROE) | 7.5249% | 3,324 |
| Retained earnings to average equity (ytd only) | 5.0515% | 2,670 |
| Net charge-offs to loans | 0.4858% | 2,286 |
| Credit loss provision to net charge-offs | 118.2625% | 2,429 |
| Earnings coverage of net charge-offs (x) | 3.8366% | 3,576 |
| Efficiency ratio | 70.3812% | 3,734 |
| Assets per employee ($millions) | 3.5249% | 4,962 |
| Cash dividends to net income (ytd only)* | 32.8690% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 5,304 |
| Loan loss allowance to noncurrent loans | 86.0058% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.1385% | 3,755 |
| Noncurrent loans to loans | 1.3480% | 3,584 |
| Net loans and leases to total assets | 76.3284% | 875 |
| Net loans and leases to deposits | 87.5676% | 1,320 |
| Net loans and leases to core deposits | 93.8249% | 1,479 |
| Total domestic deposits to total assets | 87.1650% | 2,730 |
| Equity capital to assets | 8.0056% | 6,403 |
| Core capital (leverage) ratio | 8.0850% | 6,108 |
| Tier 1 risk-based capital ratio | 9.8484% | 6,736 |
| Total risk-based capital ratio | 10.9563% | 6,744 |
| Memoranda: | ||
| Average total assets | $742,345,400 | 896 |
| Average earning assets | $692,115,000 | 878 |
| Average equity | $59,150,600 | 1,201 |
| Average total loans | $556,827,400 | 750 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 3,840 |
| Cost of funding earning assets | 0.8349% | 2,670 |
| Net interest margin | 3.6131% | 4,178 |
| Noninterest income to average assets | 1.3664% | 799 |
| Noninterest expense to average assets | 3.2961% | 2,285 |
| Loan and lease loss provision to assets | 0.4422% | 1,427 |
| Net operating income to assets | 0.6161% | 4,320 |
| Return on assets (ROA) | 0.6166% | 4,575 |
| Pretax return on assets | 0.9963% | 3,733 |
| Return on Equity (ROE) | 7.7474% | 3,396 |
| Retained earnings to average equity (ytd only) | 5.2587% | 3,184 |
| Net charge-offs to loans | 0.6398% | 1,721 |
| Credit loss provision to net charge-offs | 92.8355% | 3,213 |
| Earnings coverage of net charge-offs (x) | 3.0186% | 3,826 |
| Efficiency ratio | 69.6060% | 3,766 |
| Assets per employee ($millions) | 3.3189% | 5,400 |
| Cash dividends to net income (ytd only)* | 32.1230% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,722 |
| Loan loss allowance to noncurrent loans | 73.6601% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 3,771 |
| Noncurrent loans to loans | 1.4917% | 3,548 |
| Net loans and leases to total assets | 76.2636% | 931 |
| Net loans and leases to deposits | 87.7306% | 1,383 |
| Net loans and leases to core deposits | 91.1558% | 1,859 |
| Total domestic deposits to total assets | 86.9293% | 2,716 |
| Equity capital to assets | 8.3199% | 6,406 |
| Core capital (leverage) ratio | 8.2153% | 6,124 |
| Tier 1 risk-based capital ratio | 10.1257% | 6,769 |
| Total risk-based capital ratio | 11.1580% | 6,799 |
| Memoranda: | ||
| Average total assets | $738,470,750 | 908 |
| Average earning assets | $688,255,250 | 887 |
| Average equity | $58,770,750 | 1,209 |
| Average total loans | $549,725,500 | 758 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 4,107 |
| Cost of funding earning assets | 0.8724% | 2,640 |
| Net interest margin | 3.5473% | 4,481 |
| Noninterest income to average assets | 1.2781% | 872 |
| Noninterest expense to average assets | 3.2535% | 2,432 |
| Loan and lease loss provision to assets | 0.3959% | 1,659 |
| Net operating income to assets | 0.5835% | 4,437 |
| Return on assets (ROA) | 0.5842% | 4,695 |
| Pretax return on assets | 0.9415% | 3,918 |
| Return on Equity (ROE) | 7.4502% | 3,548 |
| Retained earnings to average equity (ytd only) | 3.6926% | 4,141 |
| Net charge-offs to loans | 0.5969% | 1,818 |
| Credit loss provision to net charge-offs | 90.1529% | 3,044 |
| Earnings coverage of net charge-offs (x) | 3.0428% | 3,530 |
| Efficiency ratio | 70.8609% | 3,625 |
| Assets per employee ($millions) | 3.2451% | 5,565 |
| Cash dividends to net income (ytd only)* | 50.4368% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 5,728 |
| Loan loss allowance to noncurrent loans | 69.5406% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3142% | 3,802 |
| Noncurrent loans to loans | 1.6032% | 3,505 |
| Net loans and leases to total assets | 74.1364% | 1,225 |
| Net loans and leases to deposits | 85.3632% | 1,678 |
| Net loans and leases to core deposits | 88.5987% | 2,138 |
| Total domestic deposits to total assets | 86.8483% | 2,861 |
| Equity capital to assets | 8.0154% | 6,559 |
| Core capital (leverage) ratio | 7.7137% | 6,507 |
| Tier 1 risk-based capital ratio | 10.0250% | 6,819 |
| Total risk-based capital ratio | 11.0734% | 6,862 |
| Memoranda: | ||
| Average total assets | $744,561,330 | 903 |
| Average earning assets | $695,125,670 | 873 |
| Average equity | $58,387,670 | 1,214 |
| Average total loans | $547,850,000 | 765 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 4,448 |
| Cost of funding earning assets | 0.9168% | 2,555 |
| Net interest margin | 3.4528% | 4,905 |
| Noninterest income to average assets | 1.3549% | 781 |
| Noninterest expense to average assets | 3.1322% | 2,810 |
| Loan and lease loss provision to assets | 0.3802% | 1,661 |
| Net operating income to assets | 0.6617% | 4,072 |
| Return on assets (ROA) | 0.6617% | 4,283 |
| Pretax return on assets | 1.0697% | 3,435 |
| Return on Equity (ROE) | 8.5307% | 3,041 |
| Retained earnings to average equity (ytd only) | 4.7981% | 3,673 |
| Net charge-offs to loans | 0.6276% | 1,540 |
| Credit loss provision to net charge-offs | 83.1002% | 2,677 |
| Earnings coverage of net charge-offs (x) | 3.1690% | 2,933 |
| Efficiency ratio | 68.3347% | 4,107 |
| Assets per employee ($millions) | 3.7680% | 4,500 |
| Cash dividends to net income (ytd only)* | 43.7550% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 5,792 |
| Loan loss allowance to noncurrent loans | 65.6343% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.3092% | 3,937 |
| Noncurrent loans to loans | 1.7252% | 3,521 |
| Net loans and leases to total assets | 69.4716% | 1,842 |
| Net loans and leases to deposits | 79.6170% | 2,261 |
| Net loans and leases to core deposits | 82.5112% | 2,759 |
| Total domestic deposits to total assets | 87.2572% | 2,797 |
| Equity capital to assets | 7.5753% | 6,754 |
| Core capital (leverage) ratio | 7.6505% | 6,533 |
| Tier 1 risk-based capital ratio | 10.1927% | 6,832 |
| Total risk-based capital ratio | 11.2685% | 6,869 |
| Memoranda: | ||
| Average total assets | $750,148,500 | 893 |
| Average earning assets | $701,116,000 | 865 |
| Average equity | $58,189,500 | 1,222 |
| Average total loans | $546,856,500 | 763 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 4,128 |
| Cost of funding earning assets | 1.1551% | 2,318 |
| Net interest margin | 3.5739% | 4,835 |
| Noninterest income to average assets | 1.0367% | 1,264 |
| Noninterest expense to average assets | 3.2055% | 2,841 |
| Loan and lease loss provision to assets | 0.4233% | 2,475 |
| Net operating income to assets | 0.4551% | 4,612 |
| Return on assets (ROA) | 0.4612% | 4,791 |
| Pretax return on assets | 0.7368% | 4,201 |
| Return on Equity (ROE) | 6.0061% | 3,871 |
| Retained earnings to average equity (ytd only) | 4.4176% | 3,028 |
| Net charge-offs to loans | 0.4112% | 3,369 |
| Credit loss provision to net charge-offs | 136.4241% | 2,189 |
| Earnings coverage of net charge-offs (x) | 3.7081% | 3,416 |
| Efficiency ratio | 73.5581% | 3,298 |
| Assets per employee ($millions) | 3.4826% | 5,057 |
| Cash dividends to net income (ytd only)* | 26.4478% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 5,657 |
| Loan loss allowance to noncurrent loans | 113.2289% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8835% | 4,854 |
| Noncurrent loans to loans | 1.0084% | 4,690 |
| Net loans and leases to total assets | 74.8292% | 1,119 |
| Net loans and leases to deposits | 89.2225% | 1,241 |
| Net loans and leases to core deposits | 92.8655% | 1,807 |
| Total domestic deposits to total assets | 83.8680% | 4,374 |
| Equity capital to assets | 7.9500% | 6,603 |
| Core capital (leverage) ratio | 7.7629% | 6,479 |
| Tier 1 risk-based capital ratio | 10.0159% | 6,855 |
| Total risk-based capital ratio | 11.1130% | 6,880 |
| Memoranda: | ||
| Average total assets | $726,408,400 | 902 |
| Average earning assets | $674,673,400 | 883 |
| Average equity | $55,776,400 | 1,218 |
| Average total loans | $548,184,400 | 771 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 4,610 |
| Cost of funding earning assets | 1.2164% | 2,213 |
| Net interest margin | 3.4489% | 5,398 |
| Noninterest income to average assets | 0.9153% | 1,597 |
| Noninterest expense to average assets | 3.1096% | 3,119 |
| Loan and lease loss provision to assets | 0.4086% | 2,420 |
| Net operating income to assets | 0.3834% | 5,069 |
| Return on assets (ROA) | 0.3915% | 5,221 |
| Pretax return on assets | 0.6145% | 4,761 |
| Return on Equity (ROE) | 5.1446% | 4,478 |
| Retained earnings to average equity (ytd only) | 3.1707% | 4,445 |
| Net charge-offs to loans | 0.4927% | 2,778 |
| Credit loss provision to net charge-offs | 109.9852% | 3,003 |
| Earnings coverage of net charge-offs (x) | 2.7197% | 3,767 |
| Efficiency ratio | 75.4491% | 2,929 |
| Assets per employee ($millions) | 3.5522% | 4,873 |
| Cash dividends to net income (ytd only)* | 38.3677% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 6,235 |
| Loan loss allowance to noncurrent loans | 116.8762% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.7329% | 5,326 |
| Noncurrent loans to loans | 0.8604% | 5,140 |
| Net loans and leases to total assets | 75.2059% | 1,110 |
| Net loans and leases to deposits | 85.8412% | 1,706 |
| Net loans and leases to core deposits | 88.9709% | 2,365 |
| Total domestic deposits to total assets | 87.6105% | 2,285 |
| Equity capital to assets | 7.4621% | 6,941 |
| Core capital (leverage) ratio | 7.4445% | 6,791 |
| Tier 1 risk-based capital ratio | 9.2879% | 7,082 |
| Total risk-based capital ratio | 10.2452% | 7,112 |
| Memoranda: | ||
| Average total assets | $726,044,000 | 908 |
| Average earning assets | $674,632,250 | 887 |
| Average equity | $55,254,250 | 1,226 |
| Average total loans | $547,493,750 | 776 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 4,503 |
| Cost of funding earning assets | 1.2577% | 2,202 |
| Net interest margin | 3.4497% | 5,370 |
| Noninterest income to average assets | 0.8585% | 1,778 |
| Noninterest expense to average assets | 3.1991% | 2,902 |
| Loan and lease loss provision to assets | 0.2706% | 3,231 |
| Net operating income to assets | 0.3799% | 5,037 |
| Return on assets (ROA) | 0.3922% | 5,127 |
| Pretax return on assets | 0.6084% | 4,723 |
| Return on Equity (ROE) | 5.1190% | 4,393 |
| Retained earnings to average equity (ytd only) | 3.4344% | 4,073 |
| Net charge-offs to loans | 0.4642% | 2,723 |
| Credit loss provision to net charge-offs | 77.5040% | 3,845 |
| Earnings coverage of net charge-offs (x) | 2.4626% | 3,587 |
| Efficiency ratio | 78.7883% | 2,589 |
| Assets per employee ($millions) | 3.6482% | 4,568 |
| Cash dividends to net income (ytd only)* | 32.9087% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 6,528 |
| Loan loss allowance to noncurrent loans | 59.2665% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.6105% | 3,783 |
| Noncurrent loans to loans | 1.5940% | 4,003 |
| Net loans and leases to total assets | 73.0782% | 1,579 |
| Net loans and leases to deposits | 82.8603% | 2,303 |
| Net loans and leases to core deposits | 86.1534% | 2,882 |
| Total domestic deposits to total assets | 88.1945% | 2,017 |
| Equity capital to assets | 7.4505% | 6,969 |
| Core capital (leverage) ratio | 7.4671% | 6,763 |
| Tier 1 risk-based capital ratio | 9.4288% | 7,116 |
| Total risk-based capital ratio | 10.3218% | 7,171 |
| Memoranda: | ||
| Average total assets | $720,585,330 | 918 |
| Average earning assets | $668,513,670 | 906 |
| Average equity | $55,205,670 | 1,217 |
| Average total loans | $541,986,330 | 794 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 4,554 |
| Cost of funding earning assets | 1.3183% | 2,079 |
| Net interest margin | 3.3754% | 5,524 |
| Noninterest income to average assets | 0.7331% | 2,371 |
| Noninterest expense to average assets | 3.1740% | 2,988 |
| Loan and lease loss provision to assets | 0.0564% | 5,296 |
| Net operating income to assets | 0.4205% | 4,856 |
| Return on assets (ROA) | 0.4205% | 4,945 |
| Pretax return on assets | 0.6281% | 4,575 |
| Return on Equity (ROE) | 5.4099% | 4,196 |
| Retained earnings to average equity (ytd only) | 4.7927% | 3,306 |
| Net charge-offs to loans | 0.1226% | 3,795 |
| Credit loss provision to net charge-offs | 60.6061% | 3,536 |
| Earnings coverage of net charge-offs (x) | 7.3515% | 1,963 |
| Efficiency ratio | 82.2290% | 2,191 |
| Assets per employee ($millions) | 3.5743% | 4,813 |
| Cash dividends to net income (ytd only)* | 11.4094% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,397 |
| Loan loss allowance to noncurrent loans | 62.1908% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.9375% | 3,387 |
| Noncurrent loans to loans | 1.6090% | 4,072 |
| Net loans and leases to total assets | 72.6253% | 1,585 |
| Net loans and leases to deposits | 82.5366% | 2,267 |
| Net loans and leases to core deposits | 86.0024% | 2,872 |
| Total domestic deposits to total assets | 87.9917% | 2,374 |
| Equity capital to assets | 7.5428% | 6,847 |
| Core capital (leverage) ratio | 7.5527% | 6,698 |
| Tier 1 risk-based capital ratio | 9.4256% | 7,165 |
| Total risk-based capital ratio | 10.3617% | 7,214 |
| Memoranda: | ||
| Average total assets | $708,763,500 | 943 |
| Average earning assets | $656,279,000 | 926 |
| Average equity | $55,084,000 | 1,204 |
| Average total loans | $538,451,500 | 805 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 4,601 |
| Cost of funding earning assets | 1.4654% | 2,850 |
| Net interest margin | 3.5262% | 5,128 |
| Noninterest income to average assets | 1.2806% | 897 |
| Noninterest expense to average assets | 3.1869% | 3,141 |
| Loan and lease loss provision to assets | 0.4448% | 3,462 |
| Net operating income to assets | 0.5796% | 3,759 |
| Return on assets (ROA) | 0.5796% | 3,919 |
| Pretax return on assets | 0.9149% | 3,223 |
| Return on Equity (ROE) | 7.3158% | 2,971 |
| Retained earnings to average equity (ytd only) | 6.9402% | 1,348 |
| Net charge-offs to loans | 0.5743% | 3,326 |
| Credit loss provision to net charge-offs | 97.1808% | 4,777 |
| Earnings coverage of net charge-offs (x) | 2.9708% | 3,585 |
| Efficiency ratio | 70.0868% | 4,164 |
| Assets per employee ($millions) | 3.2909% | 5,450 |
| Cash dividends to net income (ytd only)* | 5.1336% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 6,290 |
| Loan loss allowance to noncurrent loans | 89.5840% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.7981% | 3,622 |
| Noncurrent loans to loans | 1.1376% | 4,841 |
| Net loans and leases to total assets | 77.9898% | 945 |
| Net loans and leases to deposits | 89.3909% | 1,600 |
| Net loans and leases to core deposits | 93.6414% | 2,304 |
| Total domestic deposits to total assets | 87.2459% | 2,701 |
| Equity capital to assets | 8.0194% | 6,480 |
| Core capital (leverage) ratio | 7.5375% | 6,672 |
| Tier 1 risk-based capital ratio | 9.2080% | 7,200 |
| Total risk-based capital ratio | 10.1450% | 7,270 |
| Memoranda: | ||
| Average total assets | $658,729,800 | 1,011 |
| Average earning assets | $610,126,800 | 994 |
| Average equity | $52,188,400 | 1,280 |
| Average total loans | $524,972,200 | 854 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 5,172 |
| Cost of funding earning assets | 1.4583% | 3,228 |
| Net interest margin | 3.4619% | 5,446 |
| Noninterest income to average assets | 1.1510% | 1,058 |
| Noninterest expense to average assets | 3.0473% | 3,588 |
| Loan and lease loss provision to assets | 0.3736% | 3,653 |
| Net operating income to assets | 0.5943% | 3,896 |
| Return on assets (ROA) | 0.5943% | 4,058 |
| Pretax return on assets | 0.9399% | 3,409 |
| Return on Equity (ROE) | 7.5250% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.5250% | 1,588 |
| Net charge-offs to loans | 0.6674% | 2,758 |
| Credit loss provision to net charge-offs | 70.0344% | 5,418 |
| Earnings coverage of net charge-offs (x) | 2.4623% | 3,940 |
| Efficiency ratio | 69.8797% | 4,095 |
| Assets per employee ($millions) | 3.7202% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 6,809 |
| Loan loss allowance to noncurrent loans | 52.6188% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.6562% | 3,958 |
| Noncurrent loans to loans | 1.6691% | 4,144 |
| Net loans and leases to total assets | 74.2407% | 1,750 |
| Net loans and leases to deposits | 84.3794% | 2,642 |
| Net loans and leases to core deposits | 87.8088% | 3,393 |
| Total domestic deposits to total assets | 87.9844% | 1,970 |
| Equity capital to assets | 7.4297% | 7,164 |
| Core capital (leverage) ratio | 7.6581% | 6,716 |
| Tier 1 risk-based capital ratio | 9.2959% | 7,302 |
| Total risk-based capital ratio | 10.1386% | 7,397 |
| Memoranda: | ||
| Average total assets | $653,106,750 | 1,029 |
| Average earning assets | $605,543,500 | 1,008 |
| Average equity | $51,578,000 | 1,297 |
| Average total loans | $522,026,750 | 863 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 5,038 |
| Cost of funding earning assets | 1.4755% | 3,397 |
| Net interest margin | 3.5026% | 5,235 |
| Noninterest income to average assets | 1.0614% | 1,191 |
| Noninterest expense to average assets | 3.1027% | 3,308 |
| Loan and lease loss provision to assets | 0.2194% | 4,696 |
| Net operating income to assets | 0.6130% | 3,825 |
| Return on assets (ROA) | 0.6130% | 3,959 |
| Pretax return on assets | 0.9825% | 3,189 |
| Return on Equity (ROE) | 7.5899% | 3,062 |
| Retained earnings to average equity (ytd only) | 7.5899% | 1,600 |
| Net charge-offs to loans | 0.4638% | 3,150 |
| Credit loss provision to net charge-offs | 57.7889% | 5,260 |
| Earnings coverage of net charge-offs (x) | 3.1658% | 3,421 |
| Efficiency ratio | 72.0786% | 3,797 |
| Assets per employee ($millions) | 3.6191% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 6,584 |
| Loan loss allowance to noncurrent loans | 44.3576% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 2.2276% | 3,228 |
| Noncurrent loans to loans | 2.1510% | 3,527 |
| Net loans and leases to total assets | 77.8920% | 1,132 |
| Net loans and leases to deposits | 89.3655% | 1,952 |
| Net loans and leases to core deposits | 92.2246% | 2,953 |
| Total domestic deposits to total assets | 87.1611% | 2,451 |
| Equity capital to assets | 7.7995% | 6,926 |
| Core capital (leverage) ratio | 8.0705% | 6,167 |
| Tier 1 risk-based capital ratio | 9.3879% | 7,308 |
| Total risk-based capital ratio | 10.3000% | 7,410 |
| Memoranda: | ||
| Average total assets | $628,996,330 | 1,074 |
| Average earning assets | $582,427,330 | 1,054 |
| Average equity | $50,804,670 | 1,312 |
| Average total loans | $514,921,670 | 885 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 4,777 |
| Cost of funding earning assets | 1.4978% | 3,578 |
| Net interest margin | 3.5542% | 4,928 |
| Noninterest income to average assets | 1.0156% | 1,251 |
| Noninterest expense to average assets | 3.0614% | 3,427 |
| Loan and lease loss provision to assets | 0.2735% | 3,840 |
| Net operating income to assets | 0.5879% | 3,948 |
| Return on assets (ROA) | 0.5879% | 4,093 |
| Pretax return on assets | 0.9682% | 3,205 |
| Return on Equity (ROE) | 7.1423% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.1423% | 2,073 |
| Net charge-offs to loans | 0.1119% | 4,314 |
| Credit loss provision to net charge-offs | 292.2535% | 1,355 |
| Earnings coverage of net charge-offs (x) | 13.2676% | 1,511 |
| Efficiency ratio | 71.1441% | 4,092 |
| Assets per employee ($millions) | 7.5007% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 5,832 |
| Loan loss allowance to noncurrent loans | 118.0437% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 1.3185% | 4,557 |
| Noncurrent loans to loans | 0.9633% | 5,409 |
| Net loans and leases to total assets | 79.4888% | 910 |
| Net loans and leases to deposits | 91.1809% | 1,732 |
| Net loans and leases to core deposits | 94.0777% | 2,832 |
| Total domestic deposits to total assets | 87.1770% | 2,536 |
| Equity capital to assets | 7.9077% | 6,749 |
| Core capital (leverage) ratio | 8.1897% | 5,925 |
| Tier 1 risk-based capital ratio | 9.0790% | 7,462 |
| Total risk-based capital ratio | 10.1389% | 7,517 |
| Memoranda: | ||
| Average total assets | $606,920,000 | 1,136 |
| Average earning assets | $561,366,500 | 1,112 |
| Average equity | $49,956,000 | 1,340 |
| Average total loans | $507,692,500 | 921 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5874% | 3,670 |
| Cost of funding earning assets | 1.7814% | 4,095 |
| Net interest margin | 3.8060% | 3,682 |
| Noninterest income to average assets | 1.8153% | 447 |
| Noninterest expense to average assets | 3.4819% | 2,415 |
| Loan and lease loss provision to assets | 0.4403% | 4,188 |
| Net operating income to assets | 0.8655% | 2,294 |
| Return on assets (ROA) | 0.8673% | 2,356 |
| Pretax return on assets | 1.3446% | 1,574 |
| Return on Equity (ROE) | 10.1106% | 1,658 |
| Retained earnings to average equity (ytd only) | 6.4308% | 1,177 |
| Net charge-offs to loans | 0.2909% | 4,817 |
| Credit loss provision to net charge-offs | 175.6949% | 2,392 |
| Earnings coverage of net charge-offs (x) | 7.1112% | 2,216 |
| Efficiency ratio | 66.1441% | 5,370 |
| Assets per employee ($millions) | 3.2016% | 5,716 |
| Cash dividends to net income (ytd only)* | 36.3955% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 5,872 |
| Loan loss allowance to noncurrent loans | 114.7964% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.4878% | 4,152 |
| Noncurrent loans to loans | 0.9625% | 5,385 |
| Net loans and leases to total assets | 86.2796% | 261 |
| Net loans and leases to deposits | 100.4808% | 863 |
| Net loans and leases to core deposits | 114.7103% | 2,440 |
| Total domestic deposits to total assets | 85.8668% | 3,077 |
| Equity capital to assets | 8.5889% | 5,740 |
| Core capital (leverage) ratio | 8.5541% | 5,182 |
| Tier 1 risk-based capital ratio | 9.1736% | 7,390 |
| Total risk-based capital ratio | 10.2138% | 7,504 |
| Memoranda: | ||
| Average total assets | $559,806,600 | 1,239 |
| Average earning assets | $507,283,600 | 1,243 |
| Average equity | $48,019,000 | 1,404 |
| Average total loans | $482,348,000 | 1,002 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5701% | 4,032 |
| Cost of funding earning assets | 1.8595% | 4,100 |
| Net interest margin | 3.7105% | 4,020 |
| Noninterest income to average assets | 1.9456% | 393 |
| Noninterest expense to average assets | 3.5057% | 2,269 |
| Loan and lease loss provision to assets | 0.3335% | 4,338 |
| Net operating income to assets | 0.9330% | 2,297 |
| Return on assets (ROA) | 0.9353% | 2,354 |
| Pretax return on assets | 1.4581% | 1,526 |
| Return on Equity (ROE) | 10.9071% | 1,652 |
| Retained earnings to average equity (ytd only) | 6.5924% | 1,667 |
| Net charge-offs to loans | 0.2375% | 4,565 |
| Credit loss provision to net charge-offs | 163.5294% | 2,880 |
| Earnings coverage of net charge-offs (x) | 8.7670% | 2,203 |
| Efficiency ratio | 66.2240% | 5,326 |
| Assets per employee ($millions) | 2.8317% | 6,582 |
| Cash dividends to net income (ytd only)* | 39.5588% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 6,169 |
| Loan loss allowance to noncurrent loans | 180.7830% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 4,648 |
| Noncurrent loans to loans | 0.5636% | 6,185 |
| Net loans and leases to total assets | 87.6415% | 224 |
| Net loans and leases to deposits | 102.3606% | 903 |
| Net loans and leases to core deposits | 115.3526% | 2,685 |
| Total domestic deposits to total assets | 85.6203% | 2,904 |
| Equity capital to assets | 8.7554% | 5,874 |
| Core capital (leverage) ratio | 8.5025% | 5,490 |
| Tier 1 risk-based capital ratio | 9.1843% | 7,548 |
| Total risk-based capital ratio | 10.1408% | 7,680 |
| Memoranda: | ||
| Average total assets | $555,688,000 | 1,257 |
| Average earning assets | $501,405,500 | 1,269 |
| Average equity | $47,649,750 | 1,434 |
| Average total loans | $477,243,000 | 1,026 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5874% | 4,136 |
| Cost of funding earning assets | 1.9246% | 4,139 |
| Net interest margin | 3.6628% | 4,104 |
| Noninterest income to average assets | 2.3039% | 295 |
| Noninterest expense to average assets | 3.5483% | 2,198 |
| Loan and lease loss provision to assets | 0.4126% | 3,467 |
| Net operating income to assets | 1.0474% | 1,946 |
| Return on assets (ROA) | 1.0523% | 2,012 |
| Pretax return on assets | 1.6289% | 1,152 |
| Return on Equity (ROE) | 12.3592% | 1,320 |
| Retained earnings to average equity (ytd only) | 9.1847% | 894 |
| Net charge-offs to loans | 0.1493% | 4,697 |
| Credit loss provision to net charge-offs | 325.2841% | 1,434 |
| Earnings coverage of net charge-offs (x) | 16.0341% | 1,552 |
| Efficiency ratio | 63.5636% | 5,992 |
| Assets per employee ($millions) | 2.9776% | 6,193 |
| Cash dividends to net income (ytd only)* | 25.6849% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,545 |
| Loan loss allowance to noncurrent loans | 77.1341% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.9394% | 3,283 |
| Noncurrent loans to loans | 1.4360% | 4,347 |
| Net loans and leases to total assets | 83.4192% | 722 |
| Net loans and leases to deposits | 97.4988% | 1,603 |
| Net loans and leases to core deposits | 110.8653% | 3,277 |
| Total domestic deposits to total assets | 85.5593% | 2,989 |
| Equity capital to assets | 8.5067% | 6,037 |
| Core capital (leverage) ratio | 8.3656% | 5,685 |
| Tier 1 risk-based capital ratio | 9.0665% | 7,666 |
| Total risk-based capital ratio | 10.0730% | 7,818 |
| Memoranda: | ||
| Average total assets | $554,967,330 | 1,275 |
| Average earning assets | $496,723,330 | 1,302 |
| Average equity | $47,252,330 | 1,459 |
| Average total loans | $471,677,000 | 1,058 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4133% | 5,351 |
| Cost of funding earning assets | 1.9780% | 4,250 |
| Net interest margin | 3.4353% | 4,990 |
| Noninterest income to average assets | 2.5620% | 245 |
| Noninterest expense to average assets | 3.5132% | 2,063 |
| Loan and lease loss provision to assets | 0.3239% | 3,381 |
| Net operating income to assets | 1.1555% | 1,786 |
| Return on assets (ROA) | 1.1653% | 1,875 |
| Pretax return on assets | 1.8560% | 884 |
| Return on Equity (ROE) | 13.6792% | 1,231 |
| Retained earnings to average equity (ytd only) | 13.6792% | 542 |
| Net charge-offs to loans | 0.3020% | 2,899 |
| Credit loss provision to net charge-offs | 125.7062% | 3,161 |
| Earnings coverage of net charge-offs (x) | 8.4011% | 2,196 |
| Efficiency ratio | 61.8767% | 6,074 |
| Assets per employee ($millions) | 3.1427% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 6,432 |
| Loan loss allowance to noncurrent loans | 48.5748% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 2.3739% | 2,409 |
| Noncurrent loans to loans | 1.9758% | 3,295 |
| Net loans and leases to total assets | 83.6204% | 747 |
| Net loans and leases to deposits | 96.6107% | 1,851 |
| Net loans and leases to core deposits | 112.1763% | 3,206 |
| Total domestic deposits to total assets | 86.5540% | 2,421 |
| Equity capital to assets | 8.4206% | 6,200 |
| Core capital (leverage) ratio | 8.6139% | 5,310 |
| Tier 1 risk-based capital ratio | 9.2331% | 7,643 |
| Total risk-based capital ratio | 10.1254% | 7,898 |
| Memoranda: | ||
| Average total assets | $549,581,000 | 1,292 |
| Average earning assets | $498,475,000 | 1,297 |
| Average equity | $46,815,500 | 1,474 |
| Average total loans | $468,904,500 | 1,072 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1765% | 4,636 |
| Cost of funding earning assets | 2.5098% | 4,156 |
| Net interest margin | 3.6666% | 4,614 |
| Noninterest income to average assets | 1.3308% | 816 |
| Noninterest expense to average assets | 3.4832% | 2,443 |
| Loan and lease loss provision to assets | -0.2822% | 8,281 |
| Net operating income to assets | 0.9166% | 2,935 |
| Return on assets (ROA) | 0.9386% | 2,696 |
| Pretax return on assets | 1.4437% | 1,840 |
| Return on Equity (ROE) | 10.4610% | 2,100 |
| Retained earnings to average equity (ytd only) | 7.9368% | 863 |
| Net charge-offs to loans | -0.6490% | 8,224 |
| Credit loss provision to net charge-offs | 50.6227% | 6,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5448% | 3,317 |
| Assets per employee ($millions) | 2.9637% | 6,141 |
| Cash dividends to net income (ytd only)* | 24.1297% | 4,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 6,233 |
| Loan loss allowance to noncurrent loans | 212.1341% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 3,814 |
| Noncurrent loans to loans | 0.4602% | 5,966 |
| Net loans and leases to total assets | 85.4215% | 672 |
| Net loans and leases to deposits | 99.0639% | 1,976 |
| Net loans and leases to core deposits | 117.0615% | 3,000 |
| Total domestic deposits to total assets | 86.2286% | 2,299 |
| Equity capital to assets | 8.6221% | 5,897 |
| Core capital (leverage) ratio | 8.9468% | 4,818 |
| Tier 1 risk-based capital ratio | 9.2539% | 7,567 |
| Total risk-based capital ratio | 10.1636% | 7,860 |
| Memoranda: | ||
| Average total assets | $489,639,600 | 1,393 |
| Average earning assets | $438,002,200 | 1,429 |
| Average equity | $43,934,600 | 1,531 |
| Average total loans | $420,651,400 | 1,138 |