Home > Central Bank > Performance and Condition Ratios
Central Bank, 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 | 5.2025% | 1,656 |
| Cost of funding earning assets | 2.2311% | 604 |
| Net interest margin | 2.9714% | 3,355 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.5307% | 2,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6946% | 3,210 |
| Return on assets (ROA) | 0.6924% | 3,185 |
| Pretax return on assets | 0.9065% | 2,950 |
| Return on Equity (ROE) | 7.7700% | 3,087 |
| Retained earnings to average equity (ytd only) | 4.9347% | 2,619 |
| Net charge-offs to loans | 0.0006% | 2,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,890.5000% | 83 |
| Efficiency ratio | 72.4091% | 1,625 |
| Assets per employee ($millions) | 7.4424% | 1,774 |
| Cash dividends to net income (ytd only)* | 36.4710% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,168 |
| Loan loss allowance to noncurrent loans | 811.4262% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 2,789 |
| Noncurrent loans to loans | 0.1268% | 2,885 |
| Net loans and leases to total assets | 87.6100% | 101 |
| Net loans and leases to deposits | 107.9857% | 239 |
| Net loans and leases to core deposits | 130.9331% | 385 |
| Total domestic deposits to total assets | 81.1300% | 3,286 |
| Equity capital to assets | 9.3447% | 2,461 |
| Core capital (leverage) ratio | 9.1978% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7091% | 2,852 |
| Memoranda: | ||
| Average total assets | $2,079,081,800 | 555 |
| Average earning assets | $1,952,512,200 | 537 |
| Average equity | $185,321,800 | 572 |
| Average total loans | $1,816,042,200 | 438 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 1,589 |
| Cost of funding earning assets | 2.0689% | 628 |
| Net interest margin | 3.0519% | 3,229 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.4957% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7775% | 3,092 |
| Return on assets (ROA) | 0.7745% | 3,091 |
| Pretax return on assets | 1.0174% | 2,806 |
| Return on Equity (ROE) | 8.8000% | 2,982 |
| Retained earnings to average equity (ytd only) | 5.8642% | 2,671 |
| Net charge-offs to loans | 0.0001% | 2,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 15,815.0000% | 2 |
| Efficiency ratio | 69.8081% | 1,807 |
| Assets per employee ($millions) | 7.4956% | 1,632 |
| Cash dividends to net income (ytd only)* | 33.3500% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,160 |
| Loan loss allowance to noncurrent loans | 606.8346% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 2,587 |
| Noncurrent loans to loans | 0.1711% | 2,680 |
| Net loans and leases to total assets | 85.6800% | 173 |
| Net loans and leases to deposits | 107.6719% | 252 |
| Net loans and leases to core deposits | 134.8390% | 281 |
| Total domestic deposits to total assets | 79.5800% | 3,591 |
| Equity capital to assets | 8.5818% | 2,677 |
| Core capital (leverage) ratio | 8.6616% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1522% | 2,902 |
| Memoranda: | ||
| Average total assets | $2,064,862,250 | 561 |
| Average earning assets | $1,940,135,500 | 540 |
| Average equity | $181,752,250 | 579 |
| Average total loans | $1,797,348,500 | 441 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9389% | 1,679 |
| Cost of funding earning assets | 1.8498% | 676 |
| Net interest margin | 3.0891% | 3,250 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.4523% | 2,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8453% | 2,942 |
| Return on assets (ROA) | 0.8407% | 2,963 |
| Pretax return on assets | 1.0944% | 2,662 |
| Return on Equity (ROE) | 9.4700% | 2,842 |
| Retained earnings to average equity (ytd only) | 6.1531% | 2,569 |
| Net charge-offs to loans | 0.0019% | 2,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 659.6471% | 221 |
| Efficiency ratio | 67.8708% | 1,999 |
| Assets per employee ($millions) | 7.3709% | 1,689 |
| Cash dividends to net income (ytd only)* | 35.0099% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 3,298 |
| Loan loss allowance to noncurrent loans | 575.7603% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 2,471 |
| Noncurrent loans to loans | 0.1788% | 2,585 |
| Net loans and leases to total assets | 85.1400% | 199 |
| Net loans and leases to deposits | 108.5070% | 238 |
| Net loans and leases to core deposits | 135.8469% | 254 |
| Total domestic deposits to total assets | 78.4600% | 3,789 |
| Equity capital to assets | 8.4911% | 2,872 |
| Core capital (leverage) ratio | 8.7834% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1568% | 2,925 |
| Memoranda: | ||
| Average total assets | $2,038,572,333 | 555 |
| Average earning assets | $1,915,700,667 | 537 |
| Average equity | $181,013,000 | 571 |
| Average total loans | $1,777,776,667 | 433 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 1,638 |
| Cost of funding earning assets | 1.6020% | 696 |
| Net interest margin | 3.1920% | 3,133 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.4246% | 2,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8156% | 3,148 |
| Return on assets (ROA) | 0.8156% | 3,094 |
| Pretax return on assets | 1.0685% | 2,801 |
| Return on Equity (ROE) | 8.9700% | 3,057 |
| Retained earnings to average equity (ytd only) | 5.6342% | 2,861 |
| Net charge-offs to loans | 0.0064% | 1,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 188.7143% | 524 |
| Efficiency ratio | 68.0850% | 1,962 |
| Assets per employee ($millions) | 6.9380% | 2,020 |
| Cash dividends to net income (ytd only)* | 37.1932% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,134 |
| Loan loss allowance to noncurrent loans | 2,789.7810% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 3,437 |
| Noncurrent loans to loans | 0.0389% | 3,465 |
| Net loans and leases to total assets | 87.5700% | 83 |
| Net loans and leases to deposits | 105.9577% | 250 |
| Net loans and leases to core deposits | 125.6031% | 336 |
| Total domestic deposits to total assets | 82.6500% | 3,366 |
| Equity capital to assets | 9.0788% | 2,453 |
| Core capital (leverage) ratio | 8.9539% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5139% | 3,000 |
| Memoranda: | ||
| Average total assets | $1,978,021,500 | 581 |
| Average earning assets | $1,858,643,500 | 564 |
| Average equity | $179,830,000 | 586 |
| Average total loans | $1,737,773,500 | 447 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 795 |
| Cost of funding earning assets | 0.5797% | 979 |
| Net interest margin | 3.8734% | 1,019 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.8319% | 1,256 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0390% | 2,423 |
| Return on assets (ROA) | 1.0390% | 2,361 |
| Pretax return on assets | 1.3667% | 1,878 |
| Return on Equity (ROE) | 10.7600% | 2,561 |
| Retained earnings to average equity (ytd only) | 4.8171% | 3,131 |
| Net charge-offs to loans | 0.0140% | 1,863 |
| Credit loss provision to net charge-offs | 441.8605% | 733 |
| Earnings coverage of net charge-offs (x) | 120.7488% | 882 |
| Efficiency ratio | 65.4904% | 2,296 |
| Assets per employee ($millions) | 6.9923% | 1,982 |
| Cash dividends to net income (ytd only)* | 55.2225% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,150 |
| Loan loss allowance to noncurrent loans | 680.6784% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 2,589 |
| Noncurrent loans to loans | 0.1532% | 2,728 |
| Net loans and leases to total assets | 86.2600% | 141 |
| Net loans and leases to deposits | 103.1818% | 329 |
| Net loans and leases to core deposits | 121.9598% | 335 |
| Total domestic deposits to total assets | 83.6000% | 3,293 |
| Equity capital to assets | 9.1042% | 2,294 |
| Core capital (leverage) ratio | 9.1475% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5458% | 3,027 |
| Memoranda: | ||
| Average total assets | $1,830,064,000 | 597 |
| Average earning assets | $1,720,969,200 | 585 |
| Average equity | $176,746,600 | 584 |
| Average total loans | $1,538,736,600 | 462 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 643 |
| Cost of funding earning assets | 0.3828% | 1,417 |
| Net interest margin | 3.9752% | 673 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.8475% | 1,149 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1714% | 1,804 |
| Return on assets (ROA) | 1.1714% | 1,778 |
| Pretax return on assets | 1.5301% | 1,326 |
| Return on Equity (ROE) | 11.9400% | 2,052 |
| Retained earnings to average equity (ytd only) | 6.2673% | 2,642 |
| Net charge-offs to loans | 0.0188% | 1,463 |
| Credit loss provision to net charge-offs | 142.1801% | 1,146 |
| Earnings coverage of net charge-offs (x) | 99.1232% | 955 |
| Efficiency ratio | 63.8225% | 2,573 |
| Assets per employee ($millions) | 6.7024% | 2,161 |
| Cash dividends to net income (ytd only)* | 47.5195% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,204 |
| Loan loss allowance to noncurrent loans | 722.1057% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 2,722 |
| Noncurrent loans to loans | 0.1467% | 2,881 |
| Net loans and leases to total assets | 85.6900% | 142 |
| Net loans and leases to deposits | 101.6304% | 314 |
| Net loans and leases to core deposits | 114.1969% | 357 |
| Total domestic deposits to total assets | 84.3200% | 3,425 |
| Equity capital to assets | 9.4046% | 1,944 |
| Core capital (leverage) ratio | 9.5152% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7018% | 3,084 |
| Memoranda: | ||
| Average total assets | $1,796,367,500 | 613 |
| Average earning assets | $1,691,438,500 | 596 |
| Average equity | $176,212,250 | 593 |
| Average total loans | $1,495,253,750 | 476 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 558 |
| Cost of funding earning assets | 0.3195% | 1,534 |
| Net interest margin | 3.9390% | 568 |
| Noninterest income to average assets | 0.7207% | 1,261 |
| Noninterest expense to average assets | 2.9190% | 961 |
| Loan and lease loss provision to assets | 0.0339% | 1,971 |
| Net operating income to assets | 1.1434% | 1,622 |
| Return on assets (ROA) | 1.1434% | 1,601 |
| Pretax return on assets | 1.4793% | 1,228 |
| Return on Equity (ROE) | 11.4889% | 1,836 |
| Retained earnings to average equity (ytd only) | 4.1075% | 3,046 |
| Net charge-offs to loans | 0.0292% | 1,143 |
| Credit loss provision to net charge-offs | 141.5094% | 1,115 |
| Earnings coverage of net charge-offs (x) | 63.1557% | 1,058 |
| Efficiency ratio | 64.9276% | 2,645 |
| Assets per employee ($millions) | 6.7828% | 2,089 |
| Cash dividends to net income (ytd only)* | 64.2483% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 3,006 |
| Loan loss allowance to noncurrent loans | 664.1204% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 2,712 |
| Noncurrent loans to loans | 0.1711% | 2,840 |
| Net loans and leases to total assets | 83.6231% | 203 |
| Net loans and leases to deposits | 94.1640% | 512 |
| Net loans and leases to core deposits | 104.3234% | 498 |
| Total domestic deposits to total assets | 88.8058% | 2,256 |
| Equity capital to assets | 9.8198% | 1,810 |
| Core capital (leverage) ratio | 9.4539% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1597% | 2,991 |
| Memoranda: | ||
| Average total assets | $1,769,596,000 | 613 |
| Average earning assets | $1,667,396,333 | 599 |
| Average equity | $176,118,333 | 598 |
| Average total loans | $1,451,881,000 | 482 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8121% | 1,062 |
| Cost of funding earning assets | 0.3021% | 1,639 |
| Net interest margin | 3.5100% | 1,074 |
| Noninterest income to average assets | 0.7772% | 1,095 |
| Noninterest expense to average assets | 2.7253% | 1,304 |
| Loan and lease loss provision to assets | 0.0682% | 1,202 |
| Net operating income to assets | 0.9660% | 2,012 |
| Return on assets (ROA) | 0.9660% | 2,011 |
| Pretax return on assets | 1.2945% | 1,523 |
| Return on Equity (ROE) | 9.6404% | 2,107 |
| Retained earnings to average equity (ytd only) | -0.5719% | 4,092 |
| Net charge-offs to loans | 0.0831% | 587 |
| Credit loss provision to net charge-offs | 101.6949% | 1,003 |
| Earnings coverage of net charge-offs (x) | 20.3153% | 1,274 |
| Efficiency ratio | 65.6191% | 2,814 |
| Assets per employee ($millions) | 6.4718% | 2,403 |
| Cash dividends to net income (ytd only)* | 105.9322% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,889 |
| Loan loss allowance to noncurrent loans | 681.1531% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 2,805 |
| Noncurrent loans to loans | 0.1753% | 2,943 |
| Net loans and leases to total assets | 79.3435% | 273 |
| Net loans and leases to deposits | 89.5165% | 535 |
| Net loans and leases to core deposits | 98.9829% | 542 |
| Total domestic deposits to total assets | 88.6357% | 2,240 |
| Equity capital to assets | 9.7727% | 2,072 |
| Core capital (leverage) ratio | 9.4640% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,759,068,000 | 618 |
| Average earning assets | $1,659,264,500 | 607 |
| Average equity | $176,258,000 | 615 |
| Average total loans | $1,420,515,000 | 488 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 428 |
| Cost of funding earning assets | 0.3672% | 1,789 |
| Net interest margin | 4.3241% | 380 |
| Noninterest income to average assets | 1.0660% | 900 |
| Noninterest expense to average assets | 2.9792% | 1,017 |
| Loan and lease loss provision to assets | 0.3201% | 243 |
| Net operating income to assets | 1.3873% | 1,320 |
| Return on assets (ROA) | 1.3873% | 1,376 |
| Pretax return on assets | 1.8272% | 861 |
| Return on Equity (ROE) | 14.1498% | 1,138 |
| Retained earnings to average equity (ytd only) | 9.1270% | 1,164 |
| Net charge-offs to loans | 0.1381% | 672 |
| Credit loss provision to net charge-offs | 275.8621% | 1,118 |
| Earnings coverage of net charge-offs (x) | 18.5056% | 1,908 |
| Efficiency ratio | 56.9746% | 3,583 |
| Assets per employee ($millions) | 6.3440% | 2,455 |
| Cash dividends to net income (ytd only)* | 35.4972% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,802 |
| Loan loss allowance to noncurrent loans | 538.2150% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 2,650 |
| Noncurrent loans to loans | 0.2262% | 2,826 |
| Net loans and leases to total assets | 80.2304% | 258 |
| Net loans and leases to deposits | 90.9603% | 529 |
| Net loans and leases to core deposits | 101.2025% | 489 |
| Total domestic deposits to total assets | 88.2038% | 1,933 |
| Equity capital to assets | 10.2750% | 2,396 |
| Core capital (leverage) ratio | 9.7815% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,624,544,000 | 641 |
| Average earning assets | $1,525,457,800 | 627 |
| Average equity | $159,274,600 | 678 |
| Average total loans | $1,364,997,000 | 502 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 382 |
| Cost of funding earning assets | 0.3853% | 1,818 |
| Net interest margin | 4.4533% | 339 |
| Noninterest income to average assets | 1.1249% | 898 |
| Noninterest expense to average assets | 3.0143% | 943 |
| Loan and lease loss provision to assets | 0.2253% | 436 |
| Net operating income to assets | 1.5678% | 1,109 |
| Return on assets (ROA) | 1.5678% | 1,157 |
| Pretax return on assets | 2.0612% | 720 |
| Return on Equity (ROE) | 16.2017% | 908 |
| Retained earnings to average equity (ytd only) | 14.4770% | 463 |
| Net charge-offs to loans | 0.0504% | 1,164 |
| Credit loss provision to net charge-offs | 527.3438% | 739 |
| Earnings coverage of net charge-offs (x) | 53.5156% | 1,201 |
| Efficiency ratio | 55.8265% | 3,552 |
| Assets per employee ($millions) | 6.1810% | 2,523 |
| Cash dividends to net income (ytd only)* | 10.6457% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 3,204 |
| Loan loss allowance to noncurrent loans | 482.6244% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 2,705 |
| Noncurrent loans to loans | 0.2385% | 2,979 |
| Net loans and leases to total assets | 81.7394% | 203 |
| Net loans and leases to deposits | 92.7814% | 457 |
| Net loans and leases to core deposits | 103.1534% | 488 |
| Total domestic deposits to total assets | 88.0989% | 1,779 |
| Equity capital to assets | 10.7585% | 2,210 |
| Core capital (leverage) ratio | 10.7064% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,597,703,000 | 656 |
| Average earning assets | $1,498,190,000 | 643 |
| Average equity | $154,605,000 | 706 |
| Average total loans | $1,354,585,500 | 514 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1578% | 269 |
| Cost of funding earning assets | 0.4080% | 1,818 |
| Net interest margin | 4.7498% | 238 |
| Noninterest income to average assets | 1.1815% | 820 |
| Noninterest expense to average assets | 3.1644% | 762 |
| Loan and lease loss provision to assets | 0.2166% | 495 |
| Net operating income to assets | 1.7077% | 859 |
| Return on assets (ROA) | 1.7077% | 913 |
| Pretax return on assets | 2.2457% | 529 |
| Return on Equity (ROE) | 18.3807% | 608 |
| Retained earnings to average equity (ytd only) | 15.6382% | 367 |
| Net charge-offs to loans | 0.0795% | 875 |
| Credit loss provision to net charge-offs | 318.3521% | 863 |
| Earnings coverage of net charge-offs (x) | 36.1929% | 1,214 |
| Efficiency ratio | 54.1017% | 3,788 |
| Assets per employee ($millions) | 5.9913% | 2,619 |
| Cash dividends to net income (ytd only)* | 14.9209% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,442 |
| Loan loss allowance to noncurrent loans | 941.3576% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 3,461 |
| Noncurrent loans to loans | 0.1162% | 3,609 |
| Net loans and leases to total assets | 83.3916% | 155 |
| Net loans and leases to deposits | 93.2402% | 486 |
| Net loans and leases to core deposits | 104.6532% | 512 |
| Total domestic deposits to total assets | 89.4374% | 1,062 |
| Equity capital to assets | 9.2643% | 3,546 |
| Core capital (leverage) ratio | 9.1762% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,569,861,333 | 661 |
| Average earning assets | $1,469,162,333 | 649 |
| Average equity | $145,848,333 | 739 |
| Average total loans | $1,342,705,667 | 522 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 1,144 |
| Cost of funding earning assets | 0.4436% | 1,771 |
| Net interest margin | 3.7879% | 1,165 |
| Noninterest income to average assets | 2.8529% | 219 |
| Noninterest expense to average assets | 3.2524% | 646 |
| Loan and lease loss provision to assets | 0.2204% | 528 |
| Net operating income to assets | 2.2206% | 402 |
| Return on assets (ROA) | 2.2206% | 437 |
| Pretax return on assets | 2.9221% | 251 |
| Return on Equity (ROE) | 23.8668% | 300 |
| Retained earnings to average equity (ytd only) | 23.8668% | 160 |
| Net charge-offs to loans | 0.0472% | 1,016 |
| Credit loss provision to net charge-offs | 541.4013% | 573 |
| Earnings coverage of net charge-offs (x) | 77.2102% | 717 |
| Efficiency ratio | 48.5974% | 4,297 |
| Assets per employee ($millions) | 5.9128% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,646 |
| Loan loss allowance to noncurrent loans | 955.4677% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 3,600 |
| Noncurrent loans to loans | 0.1100% | 3,760 |
| Net loans and leases to total assets | 85.8780% | 93 |
| Net loans and leases to deposits | 96.8509% | 381 |
| Net loans and leases to core deposits | 107.0418% | 479 |
| Total domestic deposits to total assets | 88.6703% | 1,529 |
| Equity capital to assets | 9.2815% | 3,417 |
| Core capital (leverage) ratio | 9.3873% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,542,977,500 | 664 |
| Average earning assets | $1,442,805,500 | 653 |
| Average equity | $143,563,500 | 740 |
| Average total loans | $1,329,585,000 | 527 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 1,313 |
| Cost of funding earning assets | 0.6073% | 2,263 |
| Net interest margin | 3.8937% | 1,230 |
| Noninterest income to average assets | 1.7888% | 397 |
| Noninterest expense to average assets | 3.3762% | 814 |
| Loan and lease loss provision to assets | 0.3028% | 1,241 |
| Net operating income to assets | 1.3088% | 1,225 |
| Return on assets (ROA) | 1.3091% | 1,329 |
| Pretax return on assets | 1.7199% | 818 |
| Return on Equity (ROE) | 13.7287% | 877 |
| Retained earnings to average equity (ytd only) | 10.5528% | 486 |
| Net charge-offs to loans | 0.0300% | 2,431 |
| Credit loss provision to net charge-offs | 1,197.6048% | 686 |
| Earnings coverage of net charge-offs (x) | 79.9760% | 897 |
| Efficiency ratio | 61.5690% | 3,211 |
| Assets per employee ($millions) | 5.2842% | 3,067 |
| Cash dividends to net income (ytd only)* | 23.1334% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,558 |
| Loan loss allowance to noncurrent loans | 812.4118% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 3,616 |
| Noncurrent loans to loans | 0.1329% | 3,746 |
| Net loans and leases to total assets | 84.5874% | 148 |
| Net loans and leases to deposits | 95.4020% | 579 |
| Net loans and leases to core deposits | 103.7906% | 736 |
| Total domestic deposits to total assets | 88.6641% | 1,136 |
| Equity capital to assets | 9.3286% | 3,764 |
| Core capital (leverage) ratio | 9.3255% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,320,860,600 | 693 |
| Average earning assets | $1,224,519,400 | 685 |
| Average equity | $125,948,000 | 785 |
| Average total loans | $1,112,785,600 | 575 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 1,493 |
| Cost of funding earning assets | 0.6552% | 2,297 |
| Net interest margin | 3.8817% | 1,396 |
| Noninterest income to average assets | 1.6238% | 451 |
| Noninterest expense to average assets | 3.3759% | 821 |
| Loan and lease loss provision to assets | 0.3132% | 1,276 |
| Net operating income to assets | 1.1695% | 1,745 |
| Return on assets (ROA) | 1.1699% | 1,868 |
| Pretax return on assets | 1.5287% | 1,382 |
| Return on Equity (ROE) | 12.1919% | 1,320 |
| Retained earnings to average equity (ytd only) | 12.1919% | 400 |
| Net charge-offs to loans | 0.0123% | 2,668 |
| Credit loss provision to net charge-offs | 3,030.3030% | 348 |
| Earnings coverage of net charge-offs (x) | 178.1717% | 526 |
| Efficiency ratio | 63.8081% | 2,767 |
| Assets per employee ($millions) | 5.4794% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 3,646 |
| Loan loss allowance to noncurrent loans | 234.0929% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9174% | 1,243 |
| Noncurrent loans to loans | 0.4327% | 2,758 |
| Net loans and leases to total assets | 86.1837% | 144 |
| Net loans and leases to deposits | 101.7248% | 464 |
| Net loans and leases to core deposits | 110.5829% | 678 |
| Total domestic deposits to total assets | 84.7224% | 2,542 |
| Equity capital to assets | 9.2280% | 3,926 |
| Core capital (leverage) ratio | 9.7498% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,277,220,500 | 698 |
| Average earning assets | $1,182,383,750 | 695 |
| Average equity | $122,559,500 | 799 |
| Average total loans | $1,071,295,000 | 589 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 1,735 |
| Cost of funding earning assets | 0.7631% | 2,031 |
| Net interest margin | 3.8034% | 1,828 |
| Noninterest income to average assets | 1.4133% | 529 |
| Noninterest expense to average assets | 3.2220% | 1,117 |
| Loan and lease loss provision to assets | 0.3306% | 1,290 |
| Net operating income to assets | 1.0501% | 2,147 |
| Return on assets (ROA) | 1.0507% | 2,279 |
| Pretax return on assets | 1.3756% | 1,785 |
| Return on Equity (ROE) | 10.7816% | 1,710 |
| Retained earnings to average equity (ytd only) | 10.7816% | 642 |
| Net charge-offs to loans | 0.0102% | 2,580 |
| Credit loss provision to net charge-offs | 3,921.5686% | 279 |
| Earnings coverage of net charge-offs (x) | 202.2745% | 444 |
| Efficiency ratio | 64.7353% | 2,704 |
| Assets per employee ($millions) | 5.1708% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,555 |
| Loan loss allowance to noncurrent loans | 861.3960% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.6669% | 1,842 |
| Noncurrent loans to loans | 0.1166% | 3,984 |
| Net loans and leases to total assets | 84.1419% | 238 |
| Net loans and leases to deposits | 96.5019% | 756 |
| Net loans and leases to core deposits | 106.6157% | 868 |
| Total domestic deposits to total assets | 87.1920% | 1,550 |
| Equity capital to assets | 9.3670% | 3,763 |
| Core capital (leverage) ratio | 9.6363% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,209,814,000 | 725 |
| Average earning assets | $1,117,786,667 | 723 |
| Average equity | $117,905,000 | 821 |
| Average total loans | $999,032,667 | 627 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3932% | 2,643 |
| Cost of funding earning assets | 0.8848% | 1,948 |
| Net interest margin | 3.5084% | 2,948 |
| Noninterest income to average assets | 1.1078% | 705 |
| Noninterest expense to average assets | 3.1134% | 1,603 |
| Loan and lease loss provision to assets | 0.3616% | 848 |
| Net operating income to assets | 0.6751% | 3,347 |
| Return on assets (ROA) | 0.6765% | 3,412 |
| Pretax return on assets | 0.8761% | 3,207 |
| Return on Equity (ROE) | 6.7728% | 3,037 |
| Retained earnings to average equity (ytd only) | 6.7728% | 1,620 |
| Net charge-offs to loans | -0.0018% | 3,635 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4523% | 2,165 |
| Assets per employee ($millions) | 4.8958% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,360 |
| Loan loss allowance to noncurrent loans | 91.3927% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.9546% | 1,396 |
| Noncurrent loans to loans | 1.1679% | 1,412 |
| Net loans and leases to total assets | 80.5601% | 626 |
| Net loans and leases to deposits | 90.7413% | 1,427 |
| Net loans and leases to core deposits | 102.7243% | 1,262 |
| Total domestic deposits to total assets | 88.7800% | 765 |
| Equity capital to assets | 9.9612% | 3,825 |
| Core capital (leverage) ratio | 11.3976% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,106,317,500 | 755 |
| Average earning assets | $1,022,128,000 | 747 |
| Average equity | $110,501,000 | 868 |
| Average total loans | $896,437,500 | 674 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 1,329 |
| Cost of funding earning assets | 1.0381% | 1,566 |
| Net interest margin | 4.0172% | 1,797 |
| Noninterest income to average assets | 1.1959% | 661 |
| Noninterest expense to average assets | 3.0957% | 1,772 |
| Loan and lease loss provision to assets | 0.2130% | 939 |
| Net operating income to assets | 1.2530% | 1,863 |
| Return on assets (ROA) | 1.2530% | 1,944 |
| Pretax return on assets | 1.6336% | 1,389 |
| Return on Equity (ROE) | 12.8091% | 1,233 |
| Retained earnings to average equity (ytd only) | 9.0838% | 688 |
| Net charge-offs to loans | 0.0457% | 2,468 |
| Credit loss provision to net charge-offs | 550.7246% | 540 |
| Earnings coverage of net charge-offs (x) | 47.7391% | 1,160 |
| Efficiency ratio | 62.0712% | 3,369 |
| Assets per employee ($millions) | 5.0817% | 2,478 |
| Cash dividends to net income (ytd only)* | 29.0828% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 1,688 |
| Loan loss allowance to noncurrent loans | 1,231.1893% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 4,159 |
| Noncurrent loans to loans | 0.1101% | 4,088 |
| Net loans and leases to total assets | 79.3858% | 876 |
| Net loans and leases to deposits | 89.6412% | 1,638 |
| Net loans and leases to core deposits | 102.8731% | 1,325 |
| Total domestic deposits to total assets | 88.5595% | 857 |
| Equity capital to assets | 10.0253% | 3,896 |
| Core capital (leverage) ratio | 10.1285% | 3,377 |
| Tier 1 risk-based capital ratio | 10.4945% | 5,023 |
| Total risk-based capital ratio | 11.6537% | 4,983 |
| Memoranda: | ||
| Average total assets | $891,880,600 | 884 |
| Average earning assets | $831,778,800 | 871 |
| Average equity | $87,243,000 | 1,011 |
| Average total loans | $755,267,000 | 758 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 1,248 |
| Cost of funding earning assets | 1.0478% | 1,544 |
| Net interest margin | 4.0714% | 1,699 |
| Noninterest income to average assets | 1.1977% | 641 |
| Noninterest expense to average assets | 3.0504% | 1,830 |
| Loan and lease loss provision to assets | 0.1964% | 899 |
| Net operating income to assets | 1.3418% | 1,671 |
| Return on assets (ROA) | 1.3418% | 1,746 |
| Pretax return on assets | 1.7496% | 1,200 |
| Return on Equity (ROE) | 13.8078% | 1,024 |
| Retained earnings to average equity (ytd only) | 9.1430% | 1,009 |
| Net charge-offs to loans | -0.0201% | 4,586 |
| Credit loss provision to net charge-offs | -1,140.3509% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8813% | 3,493 |
| Assets per employee ($millions) | 5.1326% | 2,413 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 1,960 |
| Loan loss allowance to noncurrent loans | 1,029.2181% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 4,156 |
| Noncurrent loans to loans | 0.1265% | 4,084 |
| Net loans and leases to total assets | 83.0318% | 449 |
| Net loans and leases to deposits | 93.6203% | 1,258 |
| Net loans and leases to core deposits | 107.6707% | 1,074 |
| Total domestic deposits to total assets | 88.6899% | 746 |
| Equity capital to assets | 9.9926% | 4,026 |
| Core capital (leverage) ratio | 10.0567% | 3,585 |
| Tier 1 risk-based capital ratio | 10.2898% | 5,135 |
| Total risk-based capital ratio | 11.4363% | 5,084 |
| Memoranda: | ||
| Average total assets | $882,365,000 | 892 |
| Average earning assets | $823,283,000 | 878 |
| Average equity | $85,746,250 | 1,020 |
| Average total loans | $756,986,750 | 754 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 1,480 |
| Cost of funding earning assets | 1.0199% | 1,600 |
| Net interest margin | 3.9832% | 1,971 |
| Noninterest income to average assets | 1.0714% | 742 |
| Noninterest expense to average assets | 3.0226% | 1,948 |
| Loan and lease loss provision to assets | 0.1376% | 1,344 |
| Net operating income to assets | 1.2553% | 1,935 |
| Return on assets (ROA) | 1.2553% | 1,993 |
| Pretax return on assets | 1.6350% | 1,442 |
| Return on Equity (ROE) | 13.0469% | 1,220 |
| Retained earnings to average equity (ytd only) | 6.4913% | 2,059 |
| Net charge-offs to loans | -0.0093% | 4,306 |
| Credit loss provision to net charge-offs | -1,714.2857% | 4,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8576% | 3,309 |
| Assets per employee ($millions) | 5.1741% | 2,282 |
| Cash dividends to net income (ytd only)* | 50.2467% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 2,491 |
| Loan loss allowance to noncurrent loans | 603.3355% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 3,808 |
| Noncurrent loans to loans | 0.1999% | 3,832 |
| Net loans and leases to total assets | 85.4057% | 259 |
| Net loans and leases to deposits | 99.8931% | 686 |
| Net loans and leases to core deposits | 112.7172% | 835 |
| Total domestic deposits to total assets | 85.4971% | 2,264 |
| Equity capital to assets | 9.7283% | 4,210 |
| Core capital (leverage) ratio | 9.6935% | 3,938 |
| Tier 1 risk-based capital ratio | 9.8952% | 5,238 |
| Total risk-based capital ratio | 10.9744% | 5,233 |
| Memoranda: | ||
| Average total assets | $871,952,670 | 899 |
| Average earning assets | $815,175,000 | 886 |
| Average equity | $83,897,330 | 1,037 |
| Average total loans | $753,121,000 | 759 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 1,500 |
| Cost of funding earning assets | 0.9962% | 1,578 |
| Net interest margin | 3.9447% | 2,045 |
| Noninterest income to average assets | 0.9890% | 833 |
| Noninterest expense to average assets | 3.0385% | 1,881 |
| Loan and lease loss provision to assets | 0.1386% | 1,247 |
| Net operating income to assets | 1.1553% | 2,241 |
| Return on assets (ROA) | 1.1553% | 2,298 |
| Pretax return on assets | 1.4992% | 1,775 |
| Return on Equity (ROE) | 12.0758% | 1,506 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,528 |
| Net charge-offs to loans | -0.0434% | 4,789 |
| Credit loss provision to net charge-offs | -370.3704% | 3,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7890% | 3,118 |
| Assets per employee ($millions) | 4.9717% | 2,558 |
| Cash dividends to net income (ytd only)* | 100.0000% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 2,534 |
| Loan loss allowance to noncurrent loans | 598.4656% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 3,949 |
| Noncurrent loans to loans | 0.2018% | 3,868 |
| Net loans and leases to total assets | 85.3301% | 250 |
| Net loans and leases to deposits | 96.5553% | 921 |
| Net loans and leases to core deposits | 108.9067% | 992 |
| Total domestic deposits to total assets | 88.3744% | 1,144 |
| Equity capital to assets | 9.6420% | 4,137 |
| Core capital (leverage) ratio | 9.5753% | 4,047 |
| Tier 1 risk-based capital ratio | 9.9326% | 5,297 |
| Total risk-based capital ratio | 11.0214% | 5,286 |
| Memoranda: | ||
| Average total assets | $865,547,500 | 905 |
| Average earning assets | $809,092,000 | 891 |
| Average equity | $82,810,000 | 1,042 |
| Average total loans | $747,250,000 | 767 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8346% | 1,459 |
| Cost of funding earning assets | 0.8005% | 1,521 |
| Net interest margin | 4.0341% | 1,873 |
| Noninterest income to average assets | 1.0229% | 901 |
| Noninterest expense to average assets | 2.9738% | 2,119 |
| Loan and lease loss provision to assets | 0.1426% | 1,503 |
| Net operating income to assets | 1.2759% | 1,890 |
| Return on assets (ROA) | 1.2759% | 1,888 |
| Pretax return on assets | 1.6551% | 1,297 |
| Return on Equity (ROE) | 13.9689% | 1,051 |
| Retained earnings to average equity (ytd only) | 11.7568% | 339 |
| Net charge-offs to loans | -0.0382% | 4,887 |
| Credit loss provision to net charge-offs | -430.1075% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1049% | 3,503 |
| Assets per employee ($millions) | 4.8932% | 2,625 |
| Cash dividends to net income (ytd only)* | 15.8361% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 2,865 |
| Loan loss allowance to noncurrent loans | 669.5246% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 4,096 |
| Noncurrent loans to loans | 0.1707% | 3,984 |
| Net loans and leases to total assets | 85.3064% | 289 |
| Net loans and leases to deposits | 96.5462% | 1,022 |
| Net loans and leases to core deposits | 109.7180% | 1,022 |
| Total domestic deposits to total assets | 88.3581% | 1,133 |
| Equity capital to assets | 9.4936% | 4,140 |
| Core capital (leverage) ratio | 9.5455% | 4,068 |
| Tier 1 risk-based capital ratio | 10.0020% | 5,303 |
| Total risk-based capital ratio | 11.0520% | 5,307 |
| Memoranda: | ||
| Average total assets | $841,335,000 | 906 |
| Average earning assets | $781,808,000 | 900 |
| Average equity | $76,849,200 | 1,067 |
| Average total loans | $730,374,000 | 752 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7957% | 1,439 |
| Cost of funding earning assets | 0.7535% | 1,569 |
| Net interest margin | 4.0421% | 1,813 |
| Noninterest income to average assets | 1.0416% | 876 |
| Noninterest expense to average assets | 2.9964% | 2,026 |
| Loan and lease loss provision to assets | 0.1439% | 1,381 |
| Net operating income to assets | 1.2765% | 1,944 |
| Return on assets (ROA) | 1.2765% | 1,947 |
| Pretax return on assets | 1.6561% | 1,395 |
| Return on Equity (ROE) | 14.1201% | 1,088 |
| Retained earnings to average equity (ytd only) | 11.1136% | 625 |
| Net charge-offs to loans | -0.0539% | 4,959 |
| Credit loss provision to net charge-offs | -307.1672% | 4,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2521% | 3,468 |
| Assets per employee ($millions) | 5.0623% | 2,391 |
| Cash dividends to net income (ytd only)* | 21.2926% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 3,086 |
| Loan loss allowance to noncurrent loans | 283.9945% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,268 |
| Noncurrent loans to loans | 0.3937% | 3,243 |
| Net loans and leases to total assets | 85.3323% | 328 |
| Net loans and leases to deposits | 99.1415% | 849 |
| Net loans and leases to core deposits | 112.7348% | 880 |
| Total domestic deposits to total assets | 86.0712% | 2,156 |
| Equity capital to assets | 9.2652% | 4,310 |
| Core capital (leverage) ratio | 9.2900% | 4,413 |
| Tier 1 risk-based capital ratio | 9.7503% | 5,417 |
| Total risk-based capital ratio | 10.7746% | 5,416 |
| Memoranda: | ||
| Average total assets | $833,922,750 | 909 |
| Average earning assets | $774,626,750 | 904 |
| Average equity | $75,389,500 | 1,082 |
| Average total loans | $725,068,750 | 754 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 1,407 |
| Cost of funding earning assets | 0.6925% | 1,661 |
| Net interest margin | 4.0472% | 1,702 |
| Noninterest income to average assets | 1.0673% | 847 |
| Noninterest expense to average assets | 3.0360% | 1,953 |
| Loan and lease loss provision to assets | 0.1454% | 1,313 |
| Net operating income to assets | 1.2802% | 1,856 |
| Return on assets (ROA) | 1.2802% | 1,862 |
| Pretax return on assets | 1.6542% | 1,331 |
| Return on Equity (ROE) | 14.2844% | 1,016 |
| Retained earnings to average equity (ytd only) | 9.6861% | 1,014 |
| Net charge-offs to loans | -0.0067% | 4,179 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5627% | 3,552 |
| Assets per employee ($millions) | 4.8036% | 2,675 |
| Cash dividends to net income (ytd only)* | 32.1909% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,547 |
| Loan loss allowance to noncurrent loans | 342.1053% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 3,615 |
| Noncurrent loans to loans | 0.3062% | 3,613 |
| Net loans and leases to total assets | 86.4306% | 232 |
| Net loans and leases to deposits | 99.2590% | 857 |
| Net loans and leases to core deposits | 112.4755% | 861 |
| Total domestic deposits to total assets | 87.0758% | 1,806 |
| Equity capital to assets | 9.0032% | 4,555 |
| Core capital (leverage) ratio | 9.1854% | 4,479 |
| Tier 1 risk-based capital ratio | 9.4960% | 5,497 |
| Total risk-based capital ratio | 10.4711% | 5,500 |
| Memoranda: | ||
| Average total assets | $825,034,000 | 927 |
| Average earning assets | $768,179,000 | 916 |
| Average equity | $73,941,000 | 1,104 |
| Average total loans | $719,203,670 | 766 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 1,736 |
| Cost of funding earning assets | 0.6718% | 1,591 |
| Net interest margin | 3.8716% | 2,152 |
| Noninterest income to average assets | 1.0083% | 898 |
| Noninterest expense to average assets | 3.1094% | 1,801 |
| Loan and lease loss provision to assets | 0.1473% | 1,244 |
| Net operating income to assets | 1.0397% | 2,692 |
| Return on assets (ROA) | 1.0397% | 2,710 |
| Pretax return on assets | 1.3505% | 2,184 |
| Return on Equity (ROE) | 11.6288% | 1,714 |
| Retained earnings to average equity (ytd only) | 2.2950% | 4,246 |
| Net charge-offs to loans | 0.0152% | 2,217 |
| Credit loss provision to net charge-offs | 1,111.1111% | 318 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 554 |
| Efficiency ratio | 67.2563% | 2,962 |
| Assets per employee ($millions) | 4.9457% | 2,550 |
| Cash dividends to net income (ytd only)* | 80.2644% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,631 |
| Loan loss allowance to noncurrent loans | 256.9241% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 3,189 |
| Noncurrent loans to loans | 0.4106% | 3,306 |
| Net loans and leases to total assets | 85.3783% | 307 |
| Net loans and leases to deposits | 96.1987% | 1,017 |
| Net loans and leases to core deposits | 109.6641% | 1,024 |
| Total domestic deposits to total assets | 88.7520% | 1,233 |
| Equity capital to assets | 8.9993% | 4,556 |
| Core capital (leverage) ratio | 8.8781% | 4,819 |
| Tier 1 risk-based capital ratio | 9.5726% | 5,548 |
| Total risk-based capital ratio | 10.5524% | 5,561 |
| Memoranda: | ||
| Average total assets | $814,832,500 | 946 |
| Average earning assets | $757,421,500 | 934 |
| Average equity | $72,853,500 | 1,126 |
| Average total loans | $709,580,000 | 773 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 992 |
| Cost of funding earning assets | 0.5514% | 1,941 |
| Net interest margin | 4.2388% | 1,105 |
| Noninterest income to average assets | 1.2709% | 659 |
| Noninterest expense to average assets | 3.3078% | 1,364 |
| Loan and lease loss provision to assets | 0.1284% | 1,784 |
| Net operating income to assets | 1.0998% | 1,855 |
| Return on assets (ROA) | 1.0831% | 1,942 |
| Pretax return on assets | 1.7254% | 949 |
| Return on Equity (ROE) | 12.1975% | 1,157 |
| Retained earnings to average equity (ytd only) | 10.1730% | 331 |
| Net charge-offs to loans | 0.1561% | 1,556 |
| Credit loss provision to net charge-offs | 94.4287% | 2,709 |
| Earnings coverage of net charge-offs (x) | 13.8244% | 2,367 |
| Efficiency ratio | 63.0380% | 3,772 |
| Assets per employee ($millions) | 4.8436% | 2,680 |
| Cash dividends to net income (ytd only)* | 16.5975% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 4,011 |
| Loan loss allowance to noncurrent loans | 328.9084% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 3,600 |
| Noncurrent loans to loans | 0.3006% | 3,701 |
| Net loans and leases to total assets | 87.0012% | 191 |
| Net loans and leases to deposits | 96.6405% | 1,027 |
| Net loans and leases to core deposits | 110.1445% | 989 |
| Total domestic deposits to total assets | 90.0257% | 559 |
| Equity capital to assets | 8.8830% | 4,833 |
| Core capital (leverage) ratio | 8.9472% | 4,705 |
| Tier 1 risk-based capital ratio | 9.3513% | 5,613 |
| Total risk-based capital ratio | 10.2774% | 5,623 |
| Memoranda: | ||
| Average total assets | $778,797,600 | 957 |
| Average earning assets | $719,610,400 | 954 |
| Average equity | $69,153,400 | 1,151 |
| Average total loans | $678,281,400 | 769 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 891 |
| Cost of funding earning assets | 0.5247% | 2,076 |
| Net interest margin | 4.2950% | 934 |
| Noninterest income to average assets | 1.0408% | 941 |
| Noninterest expense to average assets | 3.2338% | 1,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1470% | 1,892 |
| Return on assets (ROA) | 1.1470% | 1,942 |
| Pretax return on assets | 1.7690% | 963 |
| Return on Equity (ROE) | 12.9183% | 1,078 |
| Retained earnings to average equity (ytd only) | 10.5745% | 475 |
| Net charge-offs to loans | 0.1211% | 1,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 16.8057% | 2,150 |
| Efficiency ratio | 63.8358% | 3,580 |
| Assets per employee ($millions) | 4.7090% | 2,822 |
| Cash dividends to net income (ytd only)* | 18.1433% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 4,334 |
| Loan loss allowance to noncurrent loans | 184.9775% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8303% | 2,072 |
| Noncurrent loans to loans | 0.5125% | 3,167 |
| Net loans and leases to total assets | 86.6811% | 214 |
| Net loans and leases to deposits | 101.0749% | 674 |
| Net loans and leases to core deposits | 117.7642% | 665 |
| Total domestic deposits to total assets | 85.7592% | 2,405 |
| Equity capital to assets | 8.9931% | 4,921 |
| Core capital (leverage) ratio | 8.9441% | 4,811 |
| Tier 1 risk-based capital ratio | 9.4064% | 5,681 |
| Total risk-based capital ratio | 10.2868% | 5,699 |
| Memoranda: | ||
| Average total assets | $768,854,250 | 967 |
| Average earning assets | $709,246,750 | 972 |
| Average equity | $68,263,250 | 1,174 |
| Average total loans | $668,032,250 | 783 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9090% | 681 |
| Cost of funding earning assets | 0.4810% | 2,320 |
| Net interest margin | 4.4280% | 669 |
| Noninterest income to average assets | 0.9971% | 1,022 |
| Noninterest expense to average assets | 3.2888% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1607% | 1,735 |
| Return on assets (ROA) | 1.1607% | 1,774 |
| Pretax return on assets | 1.7853% | 871 |
| Return on Equity (ROE) | 13.1318% | 1,004 |
| Retained earnings to average equity (ytd only) | 9.5658% | 687 |
| Net charge-offs to loans | 0.1479% | 1,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 13.9283% | 2,107 |
| Efficiency ratio | 64.0180% | 3,666 |
| Assets per employee ($millions) | 4.4417% | 3,211 |
| Cash dividends to net income (ytd only)* | 27.1555% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 4,273 |
| Loan loss allowance to noncurrent loans | 191.7910% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 2,142 |
| Noncurrent loans to loans | 0.5103% | 3,230 |
| Net loans and leases to total assets | 85.9982% | 269 |
| Net loans and leases to deposits | 100.4512% | 706 |
| Net loans and leases to core deposits | 114.0566% | 797 |
| Total domestic deposits to total assets | 85.6119% | 2,563 |
| Equity capital to assets | 8.7682% | 5,089 |
| Core capital (leverage) ratio | 8.8990% | 4,842 |
| Tier 1 risk-based capital ratio | 9.1533% | 5,735 |
| Total risk-based capital ratio | 10.0546% | 5,750 |
| Memoranda: | ||
| Average total assets | $761,433,670 | 982 |
| Average earning assets | $701,077,000 | 985 |
| Average equity | $67,302,330 | 1,193 |
| Average total loans | $659,939,330 | 796 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4511% | 252 |
| Cost of funding earning assets | 0.4582% | 2,450 |
| Net interest margin | 4.9929% | 228 |
| Noninterest income to average assets | 0.6056% | 2,385 |
| Noninterest expense to average assets | 3.3984% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1753% | 1,570 |
| Return on assets (ROA) | 1.1753% | 1,613 |
| Pretax return on assets | 1.8039% | 794 |
| Return on Equity (ROE) | 13.2418% | 949 |
| Retained earnings to average equity (ytd only) | 10.5345% | 693 |
| Net charge-offs to loans | 0.2930% | 623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.1116% | 2,166 |
| Efficiency ratio | 64.5247% | 3,749 |
| Assets per employee ($millions) | 4.3657% | 3,388 |
| Cash dividends to net income (ytd only)* | 20.4453% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 4,135 |
| Loan loss allowance to noncurrent loans | 132.4693% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.1384% | 1,551 |
| Noncurrent loans to loans | 0.7734% | 2,532 |
| Net loans and leases to total assets | 86.1340% | 212 |
| Net loans and leases to deposits | 98.6672% | 712 |
| Net loans and leases to core deposits | 108.9855% | 924 |
| Total domestic deposits to total assets | 87.2976% | 2,073 |
| Equity capital to assets | 8.9755% | 4,828 |
| Core capital (leverage) ratio | 8.9151% | 4,829 |
| Tier 1 risk-based capital ratio | 9.3540% | 5,788 |
| Total risk-based capital ratio | 10.2982% | 5,804 |
| Memoranda: | ||
| Average total assets | $749,058,000 | 993 |
| Average earning assets | $689,623,500 | 998 |
| Average equity | $66,486,500 | 1,200 |
| Average total loans | $648,515,500 | 814 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 1,303 |
| Cost of funding earning assets | 0.4564% | 2,479 |
| Net interest margin | 4.1335% | 1,293 |
| Noninterest income to average assets | 1.3034% | 670 |
| Noninterest expense to average assets | 3.6227% | 980 |
| Loan and lease loss provision to assets | 0.0828% | 2,702 |
| Net operating income to assets | 0.9214% | 2,714 |
| Return on assets (ROA) | 0.9255% | 2,817 |
| Pretax return on assets | 1.4220% | 1,852 |
| Return on Equity (ROE) | 10.1814% | 1,887 |
| Retained earnings to average equity (ytd only) | -11.1469% | 5,796 |
| Net charge-offs to loans | 0.1703% | 1,597 |
| Credit loss provision to net charge-offs | 56.1798% | 3,302 |
| Earnings coverage of net charge-offs (x) | 10.1676% | 2,669 |
| Efficiency ratio | 70.1229% | 2,879 |
| Assets per employee ($millions) | 4.1978% | 3,624 |
| Cash dividends to net income (ytd only)* | 209.4826% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 3,628 |
| Loan loss allowance to noncurrent loans | 252.5537% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 1.3592% | 1,274 |
| Noncurrent loans to loans | 0.4411% | 3,564 |
| Net loans and leases to total assets | 85.1675% | 286 |
| Net loans and leases to deposits | 95.9784% | 998 |
| Net loans and leases to core deposits | 105.0674% | 1,199 |
| Total domestic deposits to total assets | 88.7361% | 1,244 |
| Equity capital to assets | 8.7761% | 5,042 |
| Core capital (leverage) ratio | 8.6998% | 5,076 |
| Tier 1 risk-based capital ratio | 9.2266% | 5,841 |
| Total risk-based capital ratio | 10.2649% | 5,856 |
| Memoranda: | ||
| Average total assets | $724,671,000 | 990 |
| Average earning assets | $669,337,200 | 991 |
| Average equity | $65,875,000 | 1,191 |
| Average total loans | $627,083,200 | 795 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 1,292 |
| Cost of funding earning assets | 0.4589% | 2,471 |
| Net interest margin | 4.1402% | 1,275 |
| Noninterest income to average assets | 1.2353% | 759 |
| Noninterest expense to average assets | 3.6261% | 958 |
| Loan and lease loss provision to assets | 0.1113% | 2,070 |
| Net operating income to assets | 0.8658% | 3,071 |
| Return on assets (ROA) | 0.8793% | 3,134 |
| Pretax return on assets | 1.3534% | 2,222 |
| Return on Equity (ROE) | 9.5869% | 2,233 |
| Retained earnings to average equity (ytd only) | -17.0995% | 5,903 |
| Net charge-offs to loans | 0.1372% | 1,613 |
| Credit loss provision to net charge-offs | 93.6037% | 2,478 |
| Earnings coverage of net charge-offs (x) | 12.1481% | 2,416 |
| Efficiency ratio | 70.9312% | 2,756 |
| Assets per employee ($millions) | 4.1423% | 3,706 |
| Cash dividends to net income (ytd only)* | 278.3635% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 3,188 |
| Loan loss allowance to noncurrent loans | 226.9116% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 1,438 |
| Noncurrent loans to loans | 0.5324% | 3,399 |
| Net loans and leases to total assets | 85.2102% | 311 |
| Net loans and leases to deposits | 100.1236% | 699 |
| Net loans and leases to core deposits | 110.4604% | 885 |
| Total domestic deposits to total assets | 85.1050% | 2,758 |
| Equity capital to assets | 8.8955% | 5,245 |
| Core capital (leverage) ratio | 8.7317% | 5,123 |
| Tier 1 risk-based capital ratio | 9.5043% | 5,877 |
| Total risk-based capital ratio | 10.6475% | 5,884 |
| Memoranda: | ||
| Average total assets | $719,035,500 | 1,000 |
| Average earning assets | $665,968,000 | 998 |
| Average equity | $65,949,750 | 1,195 |
| Average total loans | $622,965,750 | 797 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 1,227 |
| Cost of funding earning assets | 0.4539% | 2,534 |
| Net interest margin | 4.1696% | 1,181 |
| Noninterest income to average assets | 1.2159% | 760 |
| Noninterest expense to average assets | 3.5915% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9697% | 2,525 |
| Return on assets (ROA) | 0.9901% | 2,575 |
| Pretax return on assets | 1.5166% | 1,617 |
| Return on Equity (ROE) | 10.6853% | 1,770 |
| Retained earnings to average equity (ytd only) | -28.5213% | 6,001 |
| Net charge-offs to loans | 0.2061% | 1,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.3047% | 2,530 |
| Efficiency ratio | 70.1602% | 2,953 |
| Assets per employee ($millions) | 4.1588% | 3,635 |
| Cash dividends to net income (ytd only)* | 366.9207% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,927 |
| Loan loss allowance to noncurrent loans | 191.8837% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.4478% | 1,343 |
| Noncurrent loans to loans | 0.5752% | 3,340 |
| Net loans and leases to total assets | 85.6691% | 278 |
| Net loans and leases to deposits | 101.6575% | 587 |
| Net loans and leases to core deposits | 112.0135% | 812 |
| Total domestic deposits to total assets | 84.2723% | 3,165 |
| Equity capital to assets | 8.7376% | 5,453 |
| Core capital (leverage) ratio | 8.6377% | 5,228 |
| Tier 1 risk-based capital ratio | 9.4648% | 5,955 |
| Total risk-based capital ratio | 10.5285% | 5,969 |
| Memoranda: | ||
| Average total assets | $715,697,330 | 1,005 |
| Average earning assets | $662,702,000 | 1,002 |
| Average equity | $66,315,330 | 1,185 |
| Average total loans | $621,013,670 | 799 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 1,180 |
| Cost of funding earning assets | 0.4440% | 2,646 |
| Net interest margin | 4.1883% | 1,122 |
| Noninterest income to average assets | 1.2488% | 701 |
| Noninterest expense to average assets | 3.8079% | 770 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8650% | 2,919 |
| Return on assets (ROA) | 0.9068% | 2,844 |
| Pretax return on assets | 1.3811% | 1,959 |
| Return on Equity (ROE) | 9.5057% | 2,197 |
| Retained earnings to average equity (ytd only) | -67.5359% | 6,096 |
| Net charge-offs to loans | 0.3287% | 672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.6158% | 2,405 |
| Efficiency ratio | 73.7399% | 2,521 |
| Assets per employee ($millions) | 4.0652% | 3,837 |
| Cash dividends to net income (ytd only)* | 810.4738% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 3,702 |
| Loan loss allowance to noncurrent loans | 50.1371% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 3.3348% | 355 |
| Noncurrent loans to loans | 2.3175% | 860 |
| Net loans and leases to total assets | 85.2912% | 276 |
| Net loans and leases to deposits | 97.3116% | 815 |
| Net loans and leases to core deposits | 107.5377% | 989 |
| Total domestic deposits to total assets | 87.6475% | 1,834 |
| Equity capital to assets | 8.6879% | 5,432 |
| Core capital (leverage) ratio | 8.4737% | 5,415 |
| Tier 1 risk-based capital ratio | 9.3888% | 6,017 |
| Total risk-based capital ratio | 10.5009% | 6,030 |
| Memoranda: | ||
| Average total assets | $707,575,000 | 1,013 |
| Average earning assets | $654,960,000 | 1,010 |
| Average equity | $67,496,000 | 1,162 |
| Average total loans | $614,497,500 | 808 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1054% | 509 |
| Cost of funding earning assets | 0.4476% | 2,647 |
| Net interest margin | 4.6578% | 491 |
| Noninterest income to average assets | 1.2501% | 768 |
| Noninterest expense to average assets | 3.5869% | 1,151 |
| Loan and lease loss provision to assets | 0.3310% | 476 |
| Net operating income to assets | 1.0734% | 2,030 |
| Return on assets (ROA) | 1.0758% | 2,096 |
| Pretax return on assets | 1.6521% | 1,104 |
| Return on Equity (ROE) | 10.2683% | 1,891 |
| Retained earnings to average equity (ytd only) | 8.4222% | 798 |
| Net charge-offs to loans | 0.2327% | 1,279 |
| Credit loss provision to net charge-offs | 163.0037% | 1,646 |
| Earnings coverage of net charge-offs (x) | 9.7473% | 2,783 |
| Efficiency ratio | 64.1080% | 4,237 |
| Assets per employee ($millions) | 4.0679% | 3,821 |
| Cash dividends to net income (ytd only)* | 17.9781% | 3,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 3,232 |
| Loan loss allowance to noncurrent loans | 84.6597% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 2.0429% | 853 |
| Noncurrent loans to loans | 1.4668% | 1,589 |
| Net loans and leases to total assets | 86.3180% | 210 |
| Net loans and leases to deposits | 96.6722% | 942 |
| Net loans and leases to core deposits | 105.8383% | 1,105 |
| Total domestic deposits to total assets | 89.2893% | 974 |
| Equity capital to assets | 10.3995% | 3,489 |
| Core capital (leverage) ratio | 10.3486% | 3,107 |
| Tier 1 risk-based capital ratio | 11.0955% | 5,470 |
| Total risk-based capital ratio | 12.2712% | 5,412 |
| Memoranda: | ||
| Average total assets | $672,161,000 | 1,023 |
| Average earning assets | $622,871,800 | 1,011 |
| Average equity | $70,420,800 | 1,086 |
| Average total loans | $586,643,600 | 799 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1573% | 469 |
| Cost of funding earning assets | 0.4496% | 2,689 |
| Net interest margin | 4.7078% | 445 |
| Noninterest income to average assets | 1.2711% | 743 |
| Noninterest expense to average assets | 3.6972% | 981 |
| Loan and lease loss provision to assets | 0.4466% | 248 |
| Net operating income to assets | 0.9736% | 2,607 |
| Return on assets (ROA) | 0.9769% | 2,670 |
| Pretax return on assets | 1.4960% | 1,687 |
| Return on Equity (ROE) | 9.3062% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.3062% | 790 |
| Net charge-offs to loans | 0.3147% | 846 |
| Credit loss provision to net charge-offs | 162.6462% | 1,580 |
| Earnings coverage of net charge-offs (x) | 7.0563% | 2,962 |
| Efficiency ratio | 65.2834% | 4,015 |
| Assets per employee ($millions) | 3.9799% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 3,216 |
| Loan loss allowance to noncurrent loans | 70.3946% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.3908% | 749 |
| Noncurrent loans to loans | 1.8156% | 1,303 |
| Net loans and leases to total assets | 86.1519% | 222 |
| Net loans and leases to deposits | 98.4237% | 784 |
| Net loans and leases to core deposits | 108.0177% | 978 |
| Total domestic deposits to total assets | 87.5317% | 1,788 |
| Equity capital to assets | 10.5423% | 3,562 |
| Core capital (leverage) ratio | 10.5220% | 3,021 |
| Tier 1 risk-based capital ratio | 11.0186% | 5,653 |
| Total risk-based capital ratio | 12.2034% | 5,592 |
| Memoranda: | ||
| Average total assets | $664,264,250 | 1,041 |
| Average earning assets | $615,705,250 | 1,029 |
| Average equity | $69,729,500 | 1,098 |
| Average total loans | $579,529,750 | 810 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2384% | 404 |
| Cost of funding earning assets | 0.4489% | 2,744 |
| Net interest margin | 4.7894% | 374 |
| Noninterest income to average assets | 1.3171% | 705 |
| Noninterest expense to average assets | 3.7837% | 886 |
| Loan and lease loss provision to assets | 0.6160% | 146 |
| Net operating income to assets | 0.8951% | 2,903 |
| Return on assets (ROA) | 0.9001% | 2,996 |
| Pretax return on assets | 1.3646% | 2,127 |
| Return on Equity (ROE) | 8.5871% | 2,752 |
| Retained earnings to average equity (ytd only) | 8.5871% | 1,046 |
| Net charge-offs to loans | 0.5234% | 473 |
| Credit loss provision to net charge-offs | 134.9101% | 1,655 |
| Earnings coverage of net charge-offs (x) | 4.3211% | 3,055 |
| Efficiency ratio | 65.4003% | 4,112 |
| Assets per employee ($millions) | 3.7486% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 3,496 |
| Loan loss allowance to noncurrent loans | 120.7142% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.7034% | 1,394 |
| Noncurrent loans to loans | 1.0374% | 2,570 |
| Net loans and leases to total assets | 86.2962% | 223 |
| Net loans and leases to deposits | 96.9795% | 874 |
| Net loans and leases to core deposits | 106.8933% | 1,028 |
| Total domestic deposits to total assets | 88.9840% | 1,152 |
| Equity capital to assets | 10.5125% | 3,425 |
| Core capital (leverage) ratio | 10.3486% | 3,148 |
| Tier 1 risk-based capital ratio | 10.9019% | 5,765 |
| Total risk-based capital ratio | 12.0559% | 5,739 |
| Memoranda: | ||
| Average total assets | $657,502,330 | 1,055 |
| Average earning assets | $609,466,000 | 1,043 |
| Average equity | $68,917,000 | 1,113 |
| Average total loans | $573,577,000 | 819 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3842% | 311 |
| Cost of funding earning assets | 0.4447% | 2,828 |
| Net interest margin | 4.9394% | 271 |
| Noninterest income to average assets | 1.4777% | 552 |
| Noninterest expense to average assets | 4.1243% | 601 |
| Loan and lease loss provision to assets | 0.0613% | 2,701 |
| Net operating income to assets | 1.2226% | 1,481 |
| Return on assets (ROA) | 1.2326% | 1,544 |
| Pretax return on assets | 1.8890% | 731 |
| Return on Equity (ROE) | 11.7769% | 1,405 |
| Retained earnings to average equity (ytd only) | 11.7769% | 599 |
| Net charge-offs to loans | -0.0612% | 5,621 |
| Credit loss provision to net charge-offs | -114.9425% | 4,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7524% | 3,868 |
| Assets per employee ($millions) | 3.6729% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 3,860 |
| Loan loss allowance to noncurrent loans | 96.7361% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.8391% | 1,327 |
| Noncurrent loans to loans | 1.2586% | 2,272 |
| Net loans and leases to total assets | 86.9243% | 145 |
| Net loans and leases to deposits | 98.9335% | 627 |
| Net loans and leases to core deposits | 108.4630% | 803 |
| Total domestic deposits to total assets | 87.8613% | 1,901 |
| Equity capital to assets | 10.6677% | 3,349 |
| Core capital (leverage) ratio | 10.5593% | 2,897 |
| Tier 1 risk-based capital ratio | 11.0267% | 5,796 |
| Total risk-based capital ratio | 12.1542% | 5,777 |
| Memoranda: | ||
| Average total assets | $652,626,500 | 1,062 |
| Average earning assets | $605,332,000 | 1,054 |
| Average equity | $68,303,000 | 1,128 |
| Average total loans | $568,807,000 | 823 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9224% | 172 |
| Cost of funding earning assets | 0.5112% | 2,564 |
| Net interest margin | 5.4113% | 156 |
| Noninterest income to average assets | 1.4309% | 594 |
| Noninterest expense to average assets | 3.8380% | 931 |
| Loan and lease loss provision to assets | 0.1892% | 1,354 |
| Net operating income to assets | 1.5424% | 807 |
| Return on assets (ROA) | 1.5451% | 834 |
| Pretax return on assets | 2.4037% | 228 |
| Return on Equity (ROE) | 15.5409% | 692 |
| Retained earnings to average equity (ytd only) | 11.6580% | 323 |
| Net charge-offs to loans | 0.1147% | 2,886 |
| Credit loss provision to net charge-offs | 193.2177% | 1,280 |
| Earnings coverage of net charge-offs (x) | 26.4401% | 1,463 |
| Efficiency ratio | 59.4204% | 5,292 |
| Assets per employee ($millions) | 3.5997% | 4,720 |
| Cash dividends to net income (ytd only)* | 24.9850% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 4,009 |
| Loan loss allowance to noncurrent loans | 116.1611% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.5801% | 1,712 |
| Noncurrent loans to loans | 1.0317% | 2,762 |
| Net loans and leases to total assets | 85.2894% | 255 |
| Net loans and leases to deposits | 96.6604% | 856 |
| Net loans and leases to core deposits | 105.6193% | 1,040 |
| Total domestic deposits to total assets | 88.2361% | 1,642 |
| Equity capital to assets | 10.2656% | 3,767 |
| Core capital (leverage) ratio | 10.0679% | 3,477 |
| Tier 1 risk-based capital ratio | 11.0056% | 5,906 |
| Total risk-based capital ratio | 12.1466% | 5,880 |
| Memoranda: | ||
| Average total assets | $647,579,400 | 1,036 |
| Average earning assets | $597,846,800 | 1,028 |
| Average equity | $64,384,800 | 1,140 |
| Average total loans | $552,585,800 | 798 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9192% | 165 |
| Cost of funding earning assets | 0.5245% | 2,523 |
| Net interest margin | 5.3946% | 158 |
| Noninterest income to average assets | 1.4504% | 598 |
| Noninterest expense to average assets | 3.7443% | 1,051 |
| Loan and lease loss provision to assets | 0.2271% | 987 |
| Net operating income to assets | 1.5812% | 785 |
| Return on assets (ROA) | 1.5842% | 809 |
| Pretax return on assets | 2.4616% | 226 |
| Return on Equity (ROE) | 16.0664% | 668 |
| Retained earnings to average equity (ytd only) | 16.0664% | 165 |
| Net charge-offs to loans | 0.0849% | 2,992 |
| Credit loss provision to net charge-offs | 314.2857% | 880 |
| Earnings coverage of net charge-offs (x) | 37.1367% | 1,188 |
| Efficiency ratio | 57.5086% | 5,510 |
| Assets per employee ($millions) | 3.4892% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 4,018 |
| Loan loss allowance to noncurrent loans | 77.7778% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.0023% | 1,433 |
| Noncurrent loans to loans | 1.5949% | 2,033 |
| Net loans and leases to total assets | 86.4950% | 165 |
| Net loans and leases to deposits | 100.2392% | 599 |
| Net loans and leases to core deposits | 110.0521% | 742 |
| Total domestic deposits to total assets | 86.2886% | 2,708 |
| Equity capital to assets | 10.5635% | 3,480 |
| Core capital (leverage) ratio | 10.3435% | 3,223 |
| Tier 1 risk-based capital ratio | 11.2810% | 5,881 |
| Total risk-based capital ratio | 12.4765% | 5,851 |
| Memoranda: | ||
| Average total assets | $645,689,000 | 1,048 |
| Average earning assets | $595,812,750 | 1,036 |
| Average equity | $63,667,500 | 1,158 |
| Average total loans | $549,346,250 | 802 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1665% | 122 |
| Cost of funding earning assets | 0.5475% | 2,372 |
| Net interest margin | 5.6190% | 114 |
| Noninterest income to average assets | 1.4582% | 570 |
| Noninterest expense to average assets | 3.7505% | 1,048 |
| Loan and lease loss provision to assets | 0.1852% | 1,324 |
| Net operating income to assets | 1.7267% | 549 |
| Return on assets (ROA) | 1.7313% | 575 |
| Pretax return on assets | 2.7049% | 157 |
| Return on Equity (ROE) | 17.9789% | 459 |
| Retained earnings to average equity (ytd only) | 17.9789% | 124 |
| Net charge-offs to loans | 0.0806% | 2,883 |
| Credit loss provision to net charge-offs | 272.7273% | 925 |
| Earnings coverage of net charge-offs (x) | 42.4636% | 1,015 |
| Efficiency ratio | 55.8874% | 5,758 |
| Assets per employee ($millions) | 3.4832% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 4,494 |
| Loan loss allowance to noncurrent loans | 68.6350% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 2.2279% | 1,359 |
| Noncurrent loans to loans | 1.7266% | 1,998 |
| Net loans and leases to total assets | 86.8529% | 135 |
| Net loans and leases to deposits | 97.7289% | 687 |
| Net loans and leases to core deposits | 107.2368% | 814 |
| Total domestic deposits to total assets | 88.8713% | 1,435 |
| Equity capital to assets | 10.3728% | 3,594 |
| Core capital (leverage) ratio | 9.8044% | 3,879 |
| Tier 1 risk-based capital ratio | 10.9744% | 6,059 |
| Total risk-based capital ratio | 12.1128% | 6,053 |
| Memoranda: | ||
| Average total assets | $648,076,670 | 1,045 |
| Average earning assets | $596,903,330 | 1,036 |
| Average equity | $62,406,330 | 1,167 |
| Average total loans | $546,051,670 | 804 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8633% | 175 |
| Cost of funding earning assets | 0.5603% | 2,341 |
| Net interest margin | 5.3030% | 159 |
| Noninterest income to average assets | 1.2508% | 703 |
| Noninterest expense to average assets | 4.0159% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3543% | 1,089 |
| Return on assets (ROA) | 1.3543% | 1,133 |
| Pretax return on assets | 2.1161% | 418 |
| Return on Equity (ROE) | 14.6049% | 844 |
| Retained earnings to average equity (ytd only) | 14.6049% | 353 |
| Net charge-offs to loans | -0.0007% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9851% | 4,695 |
| Assets per employee ($millions) | 3.9248% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 4,884 |
| Loan loss allowance to noncurrent loans | 68.4438% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 2.1527% | 1,555 |
| Noncurrent loans to loans | 1.6782% | 2,311 |
| Net loans and leases to total assets | 80.7675% | 476 |
| Net loans and leases to deposits | 89.8086% | 1,173 |
| Net loans and leases to core deposits | 98.4577% | 1,205 |
| Total domestic deposits to total assets | 89.9329% | 1,108 |
| Equity capital to assets | 9.4049% | 4,619 |
| Core capital (leverage) ratio | 9.2229% | 4,688 |
| Tier 1 risk-based capital ratio | 9.3757% | 6,568 |
| Total risk-based capital ratio | 10.3454% | 6,583 |
| Memoranda: | ||
| Average total assets | $656,881,000 | 1,035 |
| Average earning assets | $604,640,500 | 1,039 |
| Average equity | $60,911,000 | 1,194 |
| Average total loans | $542,004,000 | 810 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 2,389 |
| Cost of funding earning assets | 0.5887% | 2,767 |
| Net interest margin | 3.8630% | 2,421 |
| Noninterest income to average assets | 0.9177% | 1,619 |
| Noninterest expense to average assets | 2.8902% | 3,399 |
| Loan and lease loss provision to assets | 0.7988% | 271 |
| Net operating income to assets | 0.5298% | 4,598 |
| Return on assets (ROA) | 0.5371% | 4,697 |
| Pretax return on assets | 0.8102% | 4,108 |
| Return on Equity (ROE) | 4.7249% | 4,760 |
| Retained earnings to average equity (ytd only) | 2.6335% | 4,375 |
| Net charge-offs to loans | 0.8777% | 700 |
| Credit loss provision to net charge-offs | 104.0892% | 2,331 |
| Earnings coverage of net charge-offs (x) | 2.0823% | 4,351 |
| Efficiency ratio | 63.8698% | 4,920 |
| Assets per employee ($millions) | 3.8046% | 4,251 |
| Cash dividends to net income (ytd only)* | 44.2635% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 4,973 |
| Loan loss allowance to noncurrent loans | 94.2422% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 2.1522% | 1,657 |
| Noncurrent loans to loans | 1.2040% | 3,137 |
| Net loans and leases to total assets | 82.3782% | 378 |
| Net loans and leases to deposits | 91.3690% | 1,125 |
| Net loans and leases to core deposits | 99.8759% | 1,169 |
| Total domestic deposits to total assets | 90.1599% | 999 |
| Equity capital to assets | 9.1396% | 4,882 |
| Core capital (leverage) ratio | 11.4073% | 2,030 |
| Tier 1 risk-based capital ratio | 8.7791% | 6,670 |
| Total risk-based capital ratio | 9.7228% | 6,681 |
| Memoranda: | ||
| Average total assets | $525,772,000 | 1,266 |
| Average earning assets | $485,967,400 | 1,259 |
| Average equity | $59,768,800 | 1,205 |
| Average total loans | $459,700,000 | 929 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 1,557 |
| Cost of funding earning assets | 0.6444% | 2,411 |
| Net interest margin | 4.0697% | 1,728 |
| Noninterest income to average assets | 0.9935% | 1,473 |
| Noninterest expense to average assets | 3.0114% | 2,956 |
| Loan and lease loss provision to assets | 0.5942% | 411 |
| Net operating income to assets | 0.7575% | 3,571 |
| Return on assets (ROA) | 0.7636% | 3,670 |
| Pretax return on assets | 1.1706% | 2,810 |
| Return on Equity (ROE) | 6.3074% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.3074% | 2,230 |
| Net charge-offs to loans | 0.0037% | 5,130 |
| Credit loss provision to net charge-offs | 18,333.3333% | 10 |
| Earnings coverage of net charge-offs (x) | 541.5700% | 107 |
| Efficiency ratio | 62.6473% | 5,042 |
| Assets per employee ($millions) | 4.2909% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 2,290 |
| Loan loss allowance to noncurrent loans | 115.4225% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.6519% | 2,489 |
| Noncurrent loans to loans | 1.5636% | 2,815 |
| Net loans and leases to total assets | 88.2254% | 81 |
| Net loans and leases to deposits | 106.3459% | 234 |
| Net loans and leases to core deposits | 119.7984% | 328 |
| Total domestic deposits to total assets | 82.9608% | 4,588 |
| Equity capital to assets | 12.0637% | 1,877 |
| Core capital (leverage) ratio | 12.0711% | 1,628 |
| Tier 1 risk-based capital ratio | 11.5102% | 6,057 |
| Total risk-based capital ratio | 12.8798% | 5,957 |
| Memoranda: | ||
| Average total assets | $493,616,500 | 1,351 |
| Average earning assets | $457,682,750 | 1,334 |
| Average equity | $59,758,750 | 1,214 |
| Average total loans | $438,308,750 | 975 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 1,448 |
| Cost of funding earning assets | 0.6842% | 2,189 |
| Net interest margin | 4.0631% | 1,651 |
| Noninterest income to average assets | 1.0340% | 1,426 |
| Noninterest expense to average assets | 3.0925% | 2,682 |
| Loan and lease loss provision to assets | 0.6335% | 393 |
| Net operating income to assets | 0.7002% | 3,808 |
| Return on assets (ROA) | 0.7095% | 3,929 |
| Pretax return on assets | 1.0842% | 3,157 |
| Return on Equity (ROE) | 5.8532% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.8532% | 2,516 |
| Net charge-offs to loans | 0.0153% | 4,537 |
| Credit loss provision to net charge-offs | 4,696.9697% | 64 |
| Earnings coverage of net charge-offs (x) | 126.3030% | 386 |
| Efficiency ratio | 63.9540% | 4,875 |
| Assets per employee ($millions) | 4.0773% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 2,814 |
| Loan loss allowance to noncurrent loans | 112.5392% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.6279% | 2,667 |
| Noncurrent loans to loans | 1.5009% | 3,053 |
| Net loans and leases to total assets | 89.6832% | 50 |
| Net loans and leases to deposits | 103.5064% | 280 |
| Net loans and leases to core deposits | 115.8530% | 391 |
| Total domestic deposits to total assets | 86.6450% | 3,033 |
| Equity capital to assets | 12.2589% | 1,734 |
| Core capital (leverage) ratio | 11.9827% | 1,624 |
| Tier 1 risk-based capital ratio | 11.6955% | 6,000 |
| Total risk-based capital ratio | 13.0641% | 5,856 |
| Memoranda: | ||
| Average total assets | $489,379,670 | 1,366 |
| Average earning assets | $453,099,670 | 1,348 |
| Average equity | $59,317,670 | 1,224 |
| Average total loans | $432,772,000 | 982 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 1,251 |
| Cost of funding earning assets | 0.6635% | 2,537 |
| Net interest margin | 4.1540% | 1,314 |
| Noninterest income to average assets | 0.9587% | 1,580 |
| Noninterest expense to average assets | 3.4971% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8451% | 2,925 |
| Return on assets (ROA) | 0.8451% | 3,067 |
| Pretax return on assets | 1.2839% | 2,280 |
| Return on Equity (ROE) | 7.0118% | 3,482 |
| Retained earnings to average equity (ytd only) | 7.0118% | 2,143 |
| Net charge-offs to loans | 0.0469% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 31.4200% | 941 |
| Efficiency ratio | 72.6154% | 3,499 |
| Assets per employee ($millions) | 4.1451% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 4,271 |
| Loan loss allowance to noncurrent loans | 282.6313% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6939% | 4,638 |
| Noncurrent loans to loans | 0.4929% | 5,199 |
| Net loans and leases to total assets | 86.4215% | 111 |
| Net loans and leases to deposits | 99.6088% | 367 |
| Net loans and leases to core deposits | 112.1705% | 435 |
| Total domestic deposits to total assets | 86.7609% | 3,098 |
| Equity capital to assets | 12.1609% | 1,931 |
| Core capital (leverage) ratio | 12.0868% | 1,518 |
| Tier 1 risk-based capital ratio | 11.9876% | 5,919 |
| Total risk-based capital ratio | 13.2184% | 5,902 |
| Memoranda: | ||
| Average total assets | $489,430,500 | 1,378 |
| Average earning assets | $450,364,000 | 1,369 |
| Average equity | $58,986,500 | 1,239 |
| Average total loans | $425,988,500 | 1,002 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 1,312 |
| Cost of funding earning assets | 0.8128% | 2,561 |
| Net interest margin | 4.2886% | 1,424 |
| Noninterest income to average assets | 1.2083% | 1,079 |
| Noninterest expense to average assets | 3.0528% | 3,083 |
| Loan and lease loss provision to assets | 0.1721% | 3,468 |
| Net operating income to assets | 1.2534% | 1,439 |
| Return on assets (ROA) | 1.2550% | 1,594 |
| Pretax return on assets | 1.9439% | 678 |
| Return on Equity (ROE) | 10.4110% | 1,997 |
| Retained earnings to average equity (ytd only) | 9.5189% | 693 |
| Net charge-offs to loans | 0.0782% | 4,890 |
| Credit loss provision to net charge-offs | 252.3659% | 958 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 983 |
| Efficiency ratio | 58.5737% | 5,751 |
| Assets per employee ($millions) | 4.1858% | 3,579 |
| Cash dividends to net income (ytd only)* | 8.5690% | 4,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 4,053 |
| Loan loss allowance to noncurrent loans | 229.5844% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 4,469 |
| Noncurrent loans to loans | 0.6197% | 4,963 |
| Net loans and leases to total assets | 85.2038% | 163 |
| Net loans and leases to deposits | 98.7355% | 470 |
| Net loans and leases to core deposits | 110.4885% | 528 |
| Total domestic deposits to total assets | 86.2950% | 3,206 |
| Equity capital to assets | 11.9434% | 2,081 |
| Core capital (leverage) ratio | 12.2159% | 1,445 |
| Tier 1 risk-based capital ratio | 11.8759% | 5,858 |
| Total risk-based capital ratio | 13.1283% | 5,816 |
| Memoranda: | ||
| Average total assets | $464,945,000 | 1,421 |
| Average earning assets | $429,116,000 | 1,406 |
| Average equity | $56,046,600 | 1,272 |
| Average total loans | $405,411,800 | 1,030 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0949% | 1,441 |
| Cost of funding earning assets | 0.8416% | 2,615 |
| Net interest margin | 4.2533% | 1,589 |
| Noninterest income to average assets | 1.2518% | 958 |
| Noninterest expense to average assets | 3.1654% | 2,667 |
| Loan and lease loss provision to assets | 0.0872% | 4,518 |
| Net operating income to assets | 1.2561% | 1,555 |
| Return on assets (ROA) | 1.2561% | 1,718 |
| Pretax return on assets | 1.9432% | 788 |
| Return on Equity (ROE) | 10.3950% | 2,174 |
| Retained earnings to average equity (ytd only) | 10.3950% | 815 |
| Net charge-offs to loans | 0.0283% | 5,266 |
| Credit loss provision to net charge-offs | 352.9412% | 763 |
| Earnings coverage of net charge-offs (x) | 82.1886% | 503 |
| Efficiency ratio | 60.4016% | 5,431 |
| Assets per employee ($millions) | 3.9201% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 4,263 |
| Loan loss allowance to noncurrent loans | 47.2957% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 2.9877% | 1,749 |
| Noncurrent loans to loans | 3.0131% | 1,853 |
| Net loans and leases to total assets | 86.7798% | 121 |
| Net loans and leases to deposits | 101.2148% | 389 |
| Net loans and leases to core deposits | 112.8306% | 470 |
| Total domestic deposits to total assets | 85.7382% | 3,394 |
| Equity capital to assets | 12.5454% | 1,863 |
| Core capital (leverage) ratio | 12.4764% | 1,421 |
| Tier 1 risk-based capital ratio | 12.2349% | 5,811 |
| Total risk-based capital ratio | 13.4907% | 5,782 |
| Memoranda: | ||
| Average total assets | $458,747,500 | 1,451 |
| Average earning assets | $425,384,500 | 1,434 |
| Average equity | $55,435,500 | 1,294 |
| Average total loans | $400,941,000 | 1,048 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1905% | 1,281 |
| Cost of funding earning assets | 0.8719% | 2,646 |
| Net interest margin | 4.3186% | 1,432 |
| Noninterest income to average assets | 1.2559% | 906 |
| Noninterest expense to average assets | 3.0786% | 2,989 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4068% | 1,179 |
| Return on assets (ROA) | 1.4068% | 1,315 |
| Pretax return on assets | 2.1806% | 504 |
| Return on Equity (ROE) | 11.7916% | 1,729 |
| Retained earnings to average equity (ytd only) | 11.7916% | 620 |
| Net charge-offs to loans | 0.0265% | 5,011 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 94.3774% | 450 |
| Efficiency ratio | 58.0239% | 5,873 |
| Assets per employee ($millions) | 4.1647% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 4,627 |
| Loan loss allowance to noncurrent loans | 97.7200% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.5736% | 3,351 |
| Noncurrent loans to loans | 1.3899% | 3,837 |
| Net loans and leases to total assets | 86.9702% | 106 |
| Net loans and leases to deposits | 102.1666% | 335 |
| Net loans and leases to core deposits | 114.1787% | 443 |
| Total domestic deposits to total assets | 85.1259% | 3,802 |
| Equity capital to assets | 12.3225% | 1,923 |
| Core capital (leverage) ratio | 12.1916% | 1,503 |
| Tier 1 risk-based capital ratio | 11.7769% | 6,072 |
| Total risk-based capital ratio | 12.9530% | 6,092 |
| Memoranda: | ||
| Average total assets | $458,779,000 | 1,449 |
| Average earning assets | $425,276,000 | 1,439 |
| Average equity | $54,734,000 | 1,296 |
| Average total loans | $399,997,330 | 1,055 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 1,373 |
| Cost of funding earning assets | 0.9018% | 2,673 |
| Net interest margin | 4.2716% | 1,556 |
| Noninterest income to average assets | 1.2232% | 960 |
| Noninterest expense to average assets | 3.4423% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1378% | 1,931 |
| Return on assets (ROA) | 1.1378% | 2,118 |
| Pretax return on assets | 1.7469% | 1,202 |
| Return on Equity (ROE) | 9.6964% | 2,517 |
| Retained earnings to average equity (ytd only) | 9.6964% | 1,355 |
| Net charge-offs to loans | 0.0502% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 40.1000% | 747 |
| Efficiency ratio | 65.7656% | 4,603 |
| Assets per employee ($millions) | 4.1671% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 4,731 |
| Loan loss allowance to noncurrent loans | 88.4894% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.6886% | 3,327 |
| Noncurrent loans to loans | 1.5470% | 3,794 |
| Net loans and leases to total assets | 86.2766% | 112 |
| Net loans and leases to deposits | 100.1124% | 365 |
| Net loans and leases to core deposits | 112.0867% | 467 |
| Total domestic deposits to total assets | 86.1797% | 3,424 |
| Equity capital to assets | 11.8950% | 2,116 |
| Core capital (leverage) ratio | 11.6782% | 1,787 |
| Tier 1 risk-based capital ratio | 11.6343% | 6,196 |
| Total risk-based capital ratio | 12.8396% | 6,207 |
| Memoranda: | ||
| Average total assets | $459,112,000 | 1,450 |
| Average earning assets | $426,261,000 | 1,439 |
| Average equity | $53,875,500 | 1,311 |
| Average total loans | $398,042,000 | 1,061 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3403% | 1,598 |
| Cost of funding earning assets | 1.0869% | 2,752 |
| Net interest margin | 4.2534% | 1,863 |
| Noninterest income to average assets | 1.0201% | 1,307 |
| Noninterest expense to average assets | 2.8830% | 4,031 |
| Loan and lease loss provision to assets | 0.4349% | 2,423 |
| Net operating income to assets | 1.0811% | 1,891 |
| Return on assets (ROA) | 1.0784% | 2,032 |
| Pretax return on assets | 1.6576% | 1,086 |
| Return on Equity (ROE) | 9.9221% | 2,088 |
| Retained earnings to average equity (ytd only) | -12.2978% | 6,780 |
| Net charge-offs to loans | 0.4137% | 3,354 |
| Credit loss provision to net charge-offs | 119.9495% | 2,659 |
| Earnings coverage of net charge-offs (x) | 5.7822% | 2,688 |
| Efficiency ratio | 57.3024% | 6,149 |
| Assets per employee ($millions) | 4.1428% | 3,567 |
| Cash dividends to net income (ytd only)* | 223.9440% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 4,450 |
| Loan loss allowance to noncurrent loans | 130.3908% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 4,653 |
| Noncurrent loans to loans | 1.0751% | 4,557 |
| Net loans and leases to total assets | 84.7204% | 179 |
| Net loans and leases to deposits | 99.2151% | 493 |
| Net loans and leases to core deposits | 109.9845% | 621 |
| Total domestic deposits to total assets | 85.3906% | 3,650 |
| Equity capital to assets | 11.5749% | 2,450 |
| Core capital (leverage) ratio | 11.4665% | 1,918 |
| Tier 1 risk-based capital ratio | 11.7569% | 5,988 |
| Total risk-based capital ratio | 13.0178% | 5,965 |
| Memoranda: | ||
| Average total assets | $436,838,200 | 1,494 |
| Average earning assets | $406,664,000 | 1,463 |
| Average equity | $47,480,000 | 1,430 |
| Average total loans | $382,844,200 | 1,112 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 1,434 |
| Cost of funding earning assets | 1.1231% | 2,812 |
| Net interest margin | 4.3054% | 1,694 |
| Noninterest income to average assets | 1.0296% | 1,272 |
| Noninterest expense to average assets | 3.1807% | 2,879 |
| Loan and lease loss provision to assets | 0.4330% | 2,312 |
| Net operating income to assets | 0.9347% | 2,599 |
| Return on assets (ROA) | 0.9347% | 2,756 |
| Pretax return on assets | 1.4283% | 1,854 |
| Return on Equity (ROE) | 8.7510% | 2,707 |
| Retained earnings to average equity (ytd only) | -14.1255% | 6,968 |
| Net charge-offs to loans | 0.4216% | 3,036 |
| Credit loss provision to net charge-offs | 116.5695% | 2,803 |
| Earnings coverage of net charge-offs (x) | 5.0108% | 2,899 |
| Efficiency ratio | 62.4831% | 5,333 |
| Assets per employee ($millions) | 3.9233% | 4,023 |
| Cash dividends to net income (ytd only)* | 261.4164% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 4,401 |
| Loan loss allowance to noncurrent loans | 80.3855% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.7646% | 3,452 |
| Noncurrent loans to loans | 1.7831% | 3,661 |
| Net loans and leases to total assets | 84.8508% | 170 |
| Net loans and leases to deposits | 100.2697% | 462 |
| Net loans and leases to core deposits | 112.7692% | 584 |
| Total domestic deposits to total assets | 84.6225% | 3,956 |
| Equity capital to assets | 12.3382% | 2,006 |
| Core capital (leverage) ratio | 12.1330% | 1,632 |
| Tier 1 risk-based capital ratio | 12.7291% | 5,310 |
| Total risk-based capital ratio | 14.0418% | 5,239 |
| Memoranda: | ||
| Average total assets | $431,085,750 | 1,524 |
| Average earning assets | $401,751,750 | 1,498 |
| Average equity | $46,043,250 | 1,480 |
| Average total loans | $379,774,250 | 1,131 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4483% | 1,415 |
| Cost of funding earning assets | 1.1482% | 2,911 |
| Net interest margin | 4.3000% | 1,651 |
| Noninterest income to average assets | 0.9913% | 1,346 |
| Noninterest expense to average assets | 3.2294% | 2,805 |
| Loan and lease loss provision to assets | 0.4670% | 2,115 |
| Net operating income to assets | 0.8592% | 2,821 |
| Return on assets (ROA) | 0.8592% | 2,916 |
| Pretax return on assets | 1.3047% | 2,123 |
| Return on Equity (ROE) | 8.4951% | 2,717 |
| Retained earnings to average equity (ytd only) | 5.7249% | 2,578 |
| Net charge-offs to loans | 0.2777% | 3,503 |
| Credit loss provision to net charge-offs | 189.3939% | 1,598 |
| Earnings coverage of net charge-offs (x) | 7.1856% | 2,260 |
| Efficiency ratio | 63.9496% | 5,249 |
| Assets per employee ($millions) | 3.7416% | 4,333 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 4,136 |
| Loan loss allowance to noncurrent loans | 124.4809% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1753% | 4,534 |
| Noncurrent loans to loans | 1.2049% | 4,643 |
| Net loans and leases to total assets | 87.6803% | 86 |
| Net loans and leases to deposits | 101.7402% | 413 |
| Net loans and leases to core deposits | 117.3473% | 494 |
| Total domestic deposits to total assets | 86.1805% | 3,224 |
| Equity capital to assets | 10.3284% | 3,715 |
| Core capital (leverage) ratio | 9.8482% | 3,459 |
| Tier 1 risk-based capital ratio | 10.2056% | 6,914 |
| Total risk-based capital ratio | 11.5246% | 6,876 |
| Memoranda: | ||
| Average total assets | $428,311,330 | 1,541 |
| Average earning assets | $399,393,670 | 1,517 |
| Average equity | $43,319,330 | 1,550 |
| Average total loans | $380,277,670 | 1,149 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3752% | 1,661 |
| Cost of funding earning assets | 1.1595% | 3,090 |
| Net interest margin | 4.2156% | 1,852 |
| Noninterest income to average assets | 0.8593% | 1,818 |
| Noninterest expense to average assets | 3.6040% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7717% | 3,159 |
| Return on assets (ROA) | 0.7717% | 3,232 |
| Pretax return on assets | 1.1789% | 2,454 |
| Return on Equity (ROE) | 7.7110% | 3,041 |
| Retained earnings to average equity (ytd only) | 4.9172% | 3,247 |
| Net charge-offs to loans | -0.0599% | 6,946 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6882% | 3,394 |
| Assets per employee ($millions) | 3.8066% | 4,286 |
| Cash dividends to net income (ytd only)* | 36.2319% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 4,749 |
| Loan loss allowance to noncurrent loans | 108.8660% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.4115% | 4,162 |
| Noncurrent loans to loans | 1.2708% | 4,572 |
| Net loans and leases to total assets | 88.2821% | 74 |
| Net loans and leases to deposits | 102.5427% | 365 |
| Net loans and leases to core deposits | 118.4567% | 462 |
| Total domestic deposits to total assets | 86.0931% | 3,470 |
| Equity capital to assets | 10.1426% | 3,601 |
| Core capital (leverage) ratio | 9.8425% | 3,339 |
| Tier 1 risk-based capital ratio | 9.9938% | 7,008 |
| Total risk-based capital ratio | 11.2587% | 7,000 |
| Memoranda: | ||
| Average total assets | $429,195,500 | 1,549 |
| Average earning assets | $399,466,500 | 1,521 |
| Average equity | $42,951,500 | 1,548 |
| Average total loans | $380,572,000 | 1,159 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8255% | 1,211 |
| Cost of funding earning assets | 1.3696% | 3,453 |
| Net interest margin | 4.4559% | 1,339 |
| Noninterest income to average assets | 1.1645% | 1,089 |
| Noninterest expense to average assets | 2.9590% | 4,002 |
| Loan and lease loss provision to assets | 0.1192% | 5,968 |
| Net operating income to assets | 1.4332% | 882 |
| Return on assets (ROA) | 1.4308% | 954 |
| Pretax return on assets | 2.2120% | 310 |
| Return on Equity (ROE) | 14.8041% | 747 |
| Retained earnings to average equity (ytd only) | 9.2535% | 651 |
| Net charge-offs to loans | 0.0211% | 6,603 |
| Credit loss provision to net charge-offs | 649.3506% | 325 |
| Earnings coverage of net charge-offs (x) | 127.1688% | 199 |
| Efficiency ratio | 55.2878% | 6,679 |
| Assets per employee ($millions) | 3.8235% | 4,201 |
| Cash dividends to net income (ytd only)* | 37.4938% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 4,627 |
| Loan loss allowance to noncurrent loans | 143.3315% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 4,997 |
| Noncurrent loans to loans | 0.9603% | 5,132 |
| Net loans and leases to total assets | 86.6238% | 153 |
| Net loans and leases to deposits | 104.6627% | 377 |
| Net loans and leases to core deposits | 118.9204% | 563 |
| Total domestic deposits to total assets | 82.7647% | 4,899 |
| Equity capital to assets | 9.8741% | 3,906 |
| Core capital (leverage) ratio | 9.7648% | 3,362 |
| Tier 1 risk-based capital ratio | 10.1293% | 6,917 |
| Total risk-based capital ratio | 11.4148% | 6,872 |
| Memoranda: | ||
| Average total assets | $419,402,800 | 1,583 |
| Average earning assets | $388,653,600 | 1,549 |
| Average equity | $40,536,200 | 1,636 |
| Average total loans | $365,034,400 | 1,236 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7355% | 1,591 |
| Cost of funding earning assets | 1.4215% | 3,449 |
| Net interest margin | 4.3140% | 1,800 |
| Noninterest income to average assets | 1.1118% | 1,141 |
| Noninterest expense to average assets | 3.0773% | 3,438 |
| Loan and lease loss provision to assets | 0.0801% | 6,245 |
| Net operating income to assets | 1.2656% | 1,429 |
| Return on assets (ROA) | 1.2656% | 1,509 |
| Pretax return on assets | 1.9507% | 704 |
| Return on Equity (ROE) | 13.1680% | 1,214 |
| Retained earnings to average equity (ytd only) | 7.6688% | 1,532 |
| Net charge-offs to loans | 0.0350% | 6,209 |
| Credit loss provision to net charge-offs | 263.1579% | 1,253 |
| Earnings coverage of net charge-offs (x) | 66.7387% | 452 |
| Efficiency ratio | 59.6100% | 6,012 |
| Assets per employee ($millions) | 3.8214% | 4,215 |
| Cash dividends to net income (ytd only)* | 41.7617% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,851 |
| Loan loss allowance to noncurrent loans | 177.0275% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 5,246 |
| Noncurrent loans to loans | 0.7455% | 5,715 |
| Net loans and leases to total assets | 87.3484% | 128 |
| Net loans and leases to deposits | 110.2148% | 248 |
| Net loans and leases to core deposits | 125.1141% | 472 |
| Total domestic deposits to total assets | 79.2529% | 5,952 |
| Equity capital to assets | 9.7644% | 4,458 |
| Core capital (leverage) ratio | 9.6665% | 3,666 |
| Tier 1 risk-based capital ratio | 9.8348% | 7,143 |
| Total risk-based capital ratio | 11.0632% | 7,141 |
| Memoranda: | ||
| Average total assets | $416,241,000 | 1,618 |
| Average earning assets | $385,590,500 | 1,583 |
| Average equity | $40,005,000 | 1,669 |
| Average total loans | $361,422,750 | 1,256 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7395% | 1,598 |
| Cost of funding earning assets | 1.4896% | 3,312 |
| Net interest margin | 4.2498% | 1,963 |
| Noninterest income to average assets | 0.9957% | 1,389 |
| Noninterest expense to average assets | 3.1731% | 3,000 |
| Loan and lease loss provision to assets | 0.1209% | 5,689 |
| Net operating income to assets | 1.0600% | 1,984 |
| Return on assets (ROA) | 1.0600% | 2,056 |
| Pretax return on assets | 1.6335% | 1,205 |
| Return on Equity (ROE) | 11.0892% | 1,722 |
| Retained earnings to average equity (ytd only) | 7.2950% | 1,716 |
| Net charge-offs to loans | 0.0499% | 5,689 |
| Credit loss provision to net charge-offs | 280.8989% | 1,318 |
| Earnings coverage of net charge-offs (x) | 40.7640% | 714 |
| Efficiency ratio | 63.7390% | 5,381 |
| Assets per employee ($millions) | 3.7515% | 4,343 |
| Cash dividends to net income (ytd only)* | 34.2153% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 4,561 |
| Loan loss allowance to noncurrent loans | 189.7132% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 5,286 |
| Noncurrent loans to loans | 0.7237% | 5,806 |
| Net loans and leases to total assets | 86.3587% | 201 |
| Net loans and leases to deposits | 99.6981% | 749 |
| Net loans and leases to core deposits | 117.1567% | 800 |
| Total domestic deposits to total assets | 86.6201% | 2,743 |
| Equity capital to assets | 9.7949% | 4,274 |
| Core capital (leverage) ratio | 9.3254% | 4,070 |
| Tier 1 risk-based capital ratio | 10.2560% | 6,874 |
| Total risk-based capital ratio | 11.5482% | 6,820 |
| Memoranda: | ||
| Average total assets | $413,596,670 | 1,645 |
| Average earning assets | $382,649,670 | 1,618 |
| Average equity | $39,534,000 | 1,683 |
| Average total loans | $356,742,330 | 1,283 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6109% | 2,104 |
| Cost of funding earning assets | 1.5128% | 3,473 |
| Net interest margin | 4.0981% | 2,448 |
| Noninterest income to average assets | 1.0114% | 1,261 |
| Noninterest expense to average assets | 3.4913% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8414% | 2,783 |
| Return on assets (ROA) | 0.8414% | 2,878 |
| Pretax return on assets | 1.3042% | 2,035 |
| Return on Equity (ROE) | 8.9125% | 2,528 |
| Retained earnings to average equity (ytd only) | 3.7963% | 3,864 |
| Net charge-offs to loans | 0.2133% | 3,642 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 7.1429% | 2,125 |
| Efficiency ratio | 72.1193% | 3,912 |
| Assets per employee ($millions) | 3.9534% | 3,987 |
| Cash dividends to net income (ytd only)* | 57.4053% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 4,966 |
| Loan loss allowance to noncurrent loans | 106.6620% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.4931% | 4,268 |
| Noncurrent loans to loans | 1.2133% | 4,938 |
| Net loans and leases to total assets | 83.9248% | 381 |
| Net loans and leases to deposits | 96.6546% | 1,028 |
| Net loans and leases to core deposits | 114.9912% | 996 |
| Total domestic deposits to total assets | 86.8296% | 2,720 |
| Equity capital to assets | 9.3750% | 4,713 |
| Core capital (leverage) ratio | 9.1542% | 4,291 |
| Tier 1 risk-based capital ratio | 10.0089% | 7,029 |
| Total risk-based capital ratio | 11.2339% | 7,031 |
| Memoranda: | ||
| Average total assets | $414,062,500 | 1,686 |
| Average earning assets | $382,328,000 | 1,659 |
| Average equity | $39,091,000 | 1,718 |
| Average total loans | $354,447,000 | 1,336 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9915% | 1,908 |
| Cost of funding earning assets | 1.7487% | 4,258 |
| Net interest margin | 4.2429% | 1,926 |
| Noninterest income to average assets | 0.9998% | 1,573 |
| Noninterest expense to average assets | 2.9217% | 4,457 |
| Loan and lease loss provision to assets | 0.3790% | 4,515 |
| Net operating income to assets | 1.0543% | 1,649 |
| Return on assets (ROA) | 1.0950% | 1,570 |
| Pretax return on assets | 1.6796% | 820 |
| Return on Equity (ROE) | 11.7053% | 1,232 |
| Retained earnings to average equity (ytd only) | 6.4716% | 1,163 |
| Net charge-offs to loans | 0.3196% | 4,648 |
| Credit loss provision to net charge-offs | 135.5556% | 3,651 |
| Earnings coverage of net charge-offs (x) | 7.1387% | 2,210 |
| Efficiency ratio | 58.7305% | 6,658 |
| Assets per employee ($millions) | 3.8230% | 4,225 |
| Cash dividends to net income (ytd only)* | 44.7118% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,426 |
| Loan loss allowance to noncurrent loans | 100.3344% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.5504% | 4,052 |
| Noncurrent loans to loans | 1.3568% | 4,657 |
| Net loans and leases to total assets | 85.0202% | 348 |
| Net loans and leases to deposits | 98.2955% | 1,069 |
| Net loans and leases to core deposits | 143.2997% | 698 |
| Total domestic deposits to total assets | 86.4945% | 2,769 |
| Equity capital to assets | 9.5083% | 4,402 |
| Core capital (leverage) ratio | 9.2230% | 4,087 |
| Tier 1 risk-based capital ratio | 10.0518% | 6,822 |
| Total risk-based capital ratio | 11.3324% | 6,763 |
| Memoranda: | ||
| Average total assets | $402,367,600 | 1,706 |
| Average earning assets | $371,542,200 | 1,694 |
| Average equity | $37,641,200 | 1,781 |
| Average total loans | $352,019,200 | 1,369 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0320% | 1,913 |
| Cost of funding earning assets | 1.7975% | 4,395 |
| Net interest margin | 4.2345% | 1,929 |
| Noninterest income to average assets | 1.0269% | 1,503 |
| Noninterest expense to average assets | 2.9249% | 4,342 |
| Loan and lease loss provision to assets | 0.4658% | 3,578 |
| Net operating income to assets | 1.0142% | 2,005 |
| Return on assets (ROA) | 1.0685% | 1,883 |
| Pretax return on assets | 1.6375% | 1,097 |
| Return on Equity (ROE) | 11.4693% | 1,493 |
| Retained earnings to average equity (ytd only) | 6.0400% | 1,927 |
| Net charge-offs to loans | 0.2944% | 4,184 |
| Credit loss provision to net charge-offs | 180.1802% | 2,541 |
| Earnings coverage of net charge-offs (x) | 7.8121% | 2,344 |
| Efficiency ratio | 58.4724% | 6,655 |
| Assets per employee ($millions) | 3.7514% | 4,307 |
| Cash dividends to net income (ytd only)* | 47.3373% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 3,705 |
| Loan loss allowance to noncurrent loans | 131.1488% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 1.5162% | 4,096 |
| Noncurrent loans to loans | 1.1036% | 5,107 |
| Net loans and leases to total assets | 85.2071% | 419 |
| Net loans and leases to deposits | 98.7741% | 1,234 |
| Net loans and leases to core deposits | 146.5716% | 668 |
| Total domestic deposits to total assets | 86.2646% | 2,562 |
| Equity capital to assets | 9.5256% | 4,710 |
| Core capital (leverage) ratio | 9.1022% | 4,487 |
| Tier 1 risk-based capital ratio | 9.9967% | 6,985 |
| Total risk-based capital ratio | 11.2774% | 6,903 |
| Memoranda: | ||
| Average total assets | $400,693,500 | 1,726 |
| Average earning assets | $370,723,250 | 1,710 |
| Average equity | $37,327,750 | 1,820 |
| Average total loans | $351,877,250 | 1,387 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1299% | 1,690 |
| Cost of funding earning assets | 1.8490% | 4,518 |
| Net interest margin | 4.2809% | 1,701 |
| Noninterest income to average assets | 1.1287% | 1,234 |
| Noninterest expense to average assets | 3.0350% | 3,950 |
| Loan and lease loss provision to assets | 0.3871% | 3,591 |
| Net operating income to assets | 1.0862% | 1,820 |
| Return on assets (ROA) | 1.1677% | 1,644 |
| Pretax return on assets | 1.7900% | 862 |
| Return on Equity (ROE) | 12.6293% | 1,254 |
| Retained earnings to average equity (ytd only) | 7.3896% | 1,436 |
| Net charge-offs to loans | 0.0323% | 6,005 |
| Credit loss provision to net charge-offs | 1,359.6491% | 370 |
| Earnings coverage of net charge-offs (x) | 72.0702% | 527 |
| Efficiency ratio | 59.0083% | 6,692 |
| Assets per employee ($millions) | 3.6762% | 4,381 |
| Cash dividends to net income (ytd only)* | 41.4885% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 3,580 |
| Loan loss allowance to noncurrent loans | 175.7555% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 4,528 |
| Noncurrent loans to loans | 0.8134% | 5,600 |
| Net loans and leases to total assets | 87.2702% | 288 |
| Net loans and leases to deposits | 104.1319% | 902 |
| Net loans and leases to core deposits | 148.6106% | 688 |
| Total domestic deposits to total assets | 83.8073% | 3,868 |
| Equity capital to assets | 9.3231% | 4,835 |
| Core capital (leverage) ratio | 9.0476% | 4,557 |
| Tier 1 risk-based capital ratio | 9.6504% | 7,273 |
| Total risk-based capital ratio | 10.9283% | 7,192 |
| Memoranda: | ||
| Average total assets | $400,457,670 | 1,753 |
| Average earning assets | $370,251,330 | 1,738 |
| Average equity | $37,025,000 | 1,844 |
| Average total loans | $353,488,000 | 1,415 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1861% | 1,646 |
| Cost of funding earning assets | 1.8876% | 4,699 |
| Net interest margin | 4.2985% | 1,604 |
| Noninterest income to average assets | 1.2658% | 890 |
| Noninterest expense to average assets | 3.1097% | 3,343 |
| Loan and lease loss provision to assets | 0.7779% | 1,650 |
| Net operating income to assets | 0.8918% | 2,730 |
| Return on assets (ROA) | 1.0720% | 2,192 |
| Pretax return on assets | 1.6261% | 1,343 |
| Return on Equity (ROE) | 11.6445% | 1,775 |
| Retained earnings to average equity (ytd only) | 5.4297% | 2,885 |
| Net charge-offs to loans | 0.0399% | 4,938 |
| Credit loss provision to net charge-offs | 2,214.2857% | 298 |
| Earnings coverage of net charge-offs (x) | 60.6571% | 641 |
| Efficiency ratio | 58.6861% | 6,594 |
| Assets per employee ($millions) | 3.6944% | 4,352 |
| Cash dividends to net income (ytd only)* | 53.3708% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 3,177 |
| Loan loss allowance to noncurrent loans | 110.9911% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.3620% | 3,935 |
| Noncurrent loans to loans | 1.3156% | 4,346 |
| Net loans and leases to total assets | 87.7462% | 286 |
| Net loans and leases to deposits | 100.8340% | 1,300 |
| Net loans and leases to core deposits | 142.2560% | 999 |
| Total domestic deposits to total assets | 87.0205% | 2,205 |
| Equity capital to assets | 9.3251% | 4,900 |
| Core capital (leverage) ratio | 8.9004% | 4,862 |
| Tier 1 risk-based capital ratio | 9.6973% | 7,260 |
| Total risk-based capital ratio | 10.9745% | 7,140 |
| Memoranda: | ||
| Average total assets | $398,496,000 | 1,769 |
| Average earning assets | $368,502,000 | 1,754 |
| Average equity | $36,687,000 | 1,865 |
| Average total loans | $351,221,000 | 1,439 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6181% | 2,397 |
| Cost of funding earning assets | 2.3996% | 4,719 |
| Net interest margin | 4.2185% | 2,238 |
| Noninterest income to average assets | 0.8136% | 2,434 |
| Noninterest expense to average assets | 3.0845% | 3,762 |
| Loan and lease loss provision to assets | 0.4294% | 3,138 |
| Net operating income to assets | 0.7801% | 3,523 |
| Return on assets (ROA) | 0.7966% | 3,288 |
| Pretax return on assets | 1.2004% | 2,639 |
| Return on Equity (ROE) | 8.7396% | 2,738 |
| Retained earnings to average equity (ytd only) | 2.0703% | 3,948 |
| Net charge-offs to loans | 0.3533% | 3,062 |
| Credit loss provision to net charge-offs | 138.7070% | 3,830 |
| Earnings coverage of net charge-offs (x) | 5.1841% | 3,731 |
| Efficiency ratio | 65.2712% | 5,260 |
| Assets per employee ($millions) | 3.8624% | 3,828 |
| Cash dividends to net income (ytd only)* | 76.3116% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 4,082 |
| Loan loss allowance to noncurrent loans | 179.9591% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 4,844 |
| Noncurrent loans to loans | 0.6977% | 5,289 |
| Net loans and leases to total assets | 86.1459% | 588 |
| Net loans and leases to deposits | 100.9001% | 1,728 |
| Net loans and leases to core deposits | 140.1786% | 1,259 |
| Total domestic deposits to total assets | 85.3774% | 2,679 |
| Equity capital to assets | 9.0895% | 5,240 |
| Core capital (leverage) ratio | 8.6984% | 5,201 |
| Tier 1 risk-based capital ratio | 9.7233% | 7,056 |
| Total risk-based capital ratio | 10.9563% | 6,981 |
| Memoranda: | ||
| Average total assets | $394,779,000 | 1,717 |
| Average earning assets | $362,687,200 | 1,713 |
| Average equity | $35,985,800 | 1,874 |
| Average total loans | $345,851,600 | 1,403 |