Home > Community Bank of Mississippi > Performance and Condition Ratios
Community Bank of Mississippi, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1610% | 3,700 |
| Cost of funding earning assets | 1.4053% | 2,218 |
| Net interest margin | 2.7557% | 3,741 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.6210% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4976% | 3,672 |
| Return on assets (ROA) | 0.4976% | 3,672 |
| Pretax return on assets | 0.6021% | 3,629 |
| Return on Equity (ROE) | 7.3500% | 3,200 |
| Retained earnings to average equity (ytd only) | 2.2965% | 3,505 |
| Net charge-offs to loans | 0.0162% | 2,054 |
| Credit loss provision to net charge-offs | 34.3182% | 2,261 |
| Earnings coverage of net charge-offs (x) | 64.5068% | 1,150 |
| Efficiency ratio | 81.1953% | 838 |
| Assets per employee ($millions) | 5.4992% | 3,252 |
| Cash dividends to net income (ytd only)* | 68.7640% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 3,150 |
| Loan loss allowance to noncurrent loans | 336.6674% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 1,694 |
| Noncurrent loans to loans | 0.3066% | 2,087 |
| Net loans and leases to total assets | 58.2200% | 3,017 |
| Net loans and leases to deposits | 66.1481% | 3,165 |
| Net loans and leases to core deposits | 73.3634% | 3,107 |
| Total domestic deposits to total assets | 88.0100% | 1,353 |
| Equity capital to assets | 7.0886% | 3,907 |
| Core capital (leverage) ratio | 8.2125% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0001% | 1,278 |
| Memoranda: | ||
| Average total assets | $4,676,268,600 | 286 |
| Average earning assets | $4,322,782,800 | 280 |
| Average equity | $316,483,800 | 382 |
| Average total loans | $2,717,361,200 | 319 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 3,700 |
| Cost of funding earning assets | 1.2885% | 2,179 |
| Net interest margin | 2.7848% | 3,750 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.6766% | 1,729 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4691% | 3,828 |
| Return on assets (ROA) | 0.4690% | 3,829 |
| Pretax return on assets | 0.5777% | 3,775 |
| Return on Equity (ROE) | 7.0200% | 3,425 |
| Retained earnings to average equity (ytd only) | 2.7235% | 3,580 |
| Net charge-offs to loans | 0.0152% | 1,853 |
| Credit loss provision to net charge-offs | 49.3464% | 1,897 |
| Earnings coverage of net charge-offs (x) | 66.5327% | 1,144 |
| Efficiency ratio | 82.0823% | 726 |
| Assets per employee ($millions) | 5.2347% | 3,400 |
| Cash dividends to net income (ytd only)* | 61.1808% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,102 |
| Loan loss allowance to noncurrent loans | 323.4435% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 1,690 |
| Noncurrent loans to loans | 0.3258% | 2,067 |
| Net loans and leases to total assets | 59.4900% | 2,894 |
| Net loans and leases to deposits | 64.4206% | 3,237 |
| Net loans and leases to core deposits | 70.8774% | 3,168 |
| Total domestic deposits to total assets | 92.3400% | 397 |
| Equity capital to assets | 6.7799% | 3,715 |
| Core capital (leverage) ratio | 8.2975% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0521% | 1,307 |
| Memoranda: | ||
| Average total assets | $4,646,502,750 | 291 |
| Average earning assets | $4,287,575,250 | 285 |
| Average equity | $310,624,250 | 384 |
| Average total loans | $2,691,462,250 | 325 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,803 |
| Cost of funding earning assets | 1.2113% | 1,950 |
| Net interest margin | 2.7304% | 3,937 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.7087% | 1,618 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.4227% | 3,963 |
| Return on assets (ROA) | 0.4227% | 3,966 |
| Pretax return on assets | 0.5092% | 3,951 |
| Return on Equity (ROE) | 6.3500% | 3,611 |
| Retained earnings to average equity (ytd only) | 3.1244% | 3,445 |
| Net charge-offs to loans | 0.0084% | 1,892 |
| Credit loss provision to net charge-offs | 134.8214% | 1,265 |
| Earnings coverage of net charge-offs (x) | 107.8661% | 895 |
| Efficiency ratio | 83.9200% | 600 |
| Assets per employee ($millions) | 5.2277% | 3,382 |
| Cash dividends to net income (ytd only)* | 50.8130% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,018 |
| Loan loss allowance to noncurrent loans | 384.0224% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 1,759 |
| Noncurrent loans to loans | 0.2828% | 2,133 |
| Net loans and leases to total assets | 57.9700% | 2,965 |
| Net loans and leases to deposits | 62.6946% | 3,266 |
| Net loans and leases to core deposits | 68.4167% | 3,211 |
| Total domestic deposits to total assets | 92.4600% | 331 |
| Equity capital to assets | 6.6918% | 3,915 |
| Core capital (leverage) ratio | 8.1056% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3532% | 1,249 |
| Memoranda: | ||
| Average total assets | $4,656,326,333 | 281 |
| Average earning assets | $4,295,064,000 | 275 |
| Average equity | $309,822,000 | 373 |
| Average total loans | $2,663,350,333 | 317 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 3,956 |
| Cost of funding earning assets | 1.0812% | 1,801 |
| Net interest margin | 2.6634% | 4,131 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.6981% | 1,682 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.3810% | 4,118 |
| Return on assets (ROA) | 0.3810% | 4,067 |
| Pretax return on assets | 0.4311% | 4,083 |
| Return on Equity (ROE) | 5.7400% | 3,769 |
| Retained earnings to average equity (ytd only) | 4.4512% | 3,143 |
| Net charge-offs to loans | 0.0133% | 1,456 |
| Credit loss provision to net charge-offs | 171.5909% | 894 |
| Earnings coverage of net charge-offs (x) | 59.7727% | 1,022 |
| Efficiency ratio | 85.6890% | 522 |
| Assets per employee ($millions) | 5.4165% | 3,299 |
| Cash dividends to net income (ytd only)* | 22.4770% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 2,999 |
| Loan loss allowance to noncurrent loans | 291.6370% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 1,407 |
| Noncurrent loans to loans | 0.3807% | 1,790 |
| Net loans and leases to total assets | 55.4400% | 3,074 |
| Net loans and leases to deposits | 62.0420% | 3,223 |
| Net loans and leases to core deposits | 67.6637% | 3,119 |
| Total domestic deposits to total assets | 89.3600% | 1,393 |
| Equity capital to assets | 6.7360% | 3,948 |
| Core capital (leverage) ratio | 8.1553% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4719% | 1,270 |
| Memoranda: | ||
| Average total assets | $4,671,245,500 | 289 |
| Average earning assets | $4,301,098,500 | 284 |
| Average equity | $309,935,500 | 385 |
| Average total loans | $2,639,339,000 | 327 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 2,630 |
| Cost of funding earning assets | 0.4028% | 2,077 |
| Net interest margin | 3.2609% | 2,677 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.6074% | 1,807 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8705% | 3,080 |
| Return on assets (ROA) | 0.8692% | 3,016 |
| Pretax return on assets | 1.1094% | 2,740 |
| Return on Equity (ROE) | 12.7800% | 1,884 |
| Retained earnings to average equity (ytd only) | 12.7769% | 541 |
| Net charge-offs to loans | 0.0209% | 1,668 |
| Credit loss provision to net charge-offs | 224.9071% | 1,051 |
| Earnings coverage of net charge-offs (x) | 97.0093% | 985 |
| Efficiency ratio | 69.5806% | 1,749 |
| Assets per employee ($millions) | 5.2668% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 2,787 |
| Loan loss allowance to noncurrent loans | 337.7053% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 1,487 |
| Noncurrent loans to loans | 0.3317% | 1,963 |
| Net loans and leases to total assets | 56.3100% | 2,996 |
| Net loans and leases to deposits | 62.8489% | 3,125 |
| Net loans and leases to core deposits | 67.9377% | 3,013 |
| Total domestic deposits to total assets | 89.6000% | 1,514 |
| Equity capital to assets | 6.5312% | 3,888 |
| Core capital (leverage) ratio | 8.2063% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4442% | 1,252 |
| Memoranda: | ||
| Average total assets | $4,588,284,000 | 287 |
| Average earning assets | $4,244,245,000 | 282 |
| Average equity | $312,126,800 | 379 |
| Average total loans | $2,575,518,200 | 312 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6528% | 2,190 |
| Cost of funding earning assets | 0.3050% | 2,111 |
| Net interest margin | 3.3478% | 2,147 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.6200% | 1,666 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9428% | 2,691 |
| Return on assets (ROA) | 0.9411% | 2,671 |
| Pretax return on assets | 1.2122% | 2,321 |
| Return on Equity (ROE) | 13.7000% | 1,508 |
| Retained earnings to average equity (ytd only) | 13.6962% | 509 |
| Net charge-offs to loans | 0.0172% | 1,502 |
| Credit loss provision to net charge-offs | 288.4848% | 830 |
| Earnings coverage of net charge-offs (x) | 129.3879% | 812 |
| Efficiency ratio | 67.7822% | 2,056 |
| Assets per employee ($millions) | 5.2355% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 2,873 |
| Loan loss allowance to noncurrent loans | 365.9643% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 1,610 |
| Noncurrent loans to loans | 0.3093% | 2,137 |
| Net loans and leases to total assets | 56.3000% | 2,872 |
| Net loans and leases to deposits | 60.8898% | 3,120 |
| Net loans and leases to core deposits | 64.4831% | 3,072 |
| Total domestic deposits to total assets | 92.4600% | 728 |
| Equity capital to assets | 6.2655% | 3,859 |
| Core capital (leverage) ratio | 7.9825% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2149% | 1,363 |
| Memoranda: | ||
| Average total assets | $4,583,238,250 | 287 |
| Average earning assets | $4,245,197,750 | 283 |
| Average equity | $314,911,750 | 379 |
| Average total loans | $2,563,246,250 | 307 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 1,842 |
| Cost of funding earning assets | 0.2646% | 2,098 |
| Net interest margin | 3.3375% | 1,798 |
| Noninterest income to average assets | 0.7769% | 1,109 |
| Noninterest expense to average assets | 2.5979% | 1,644 |
| Loan and lease loss provision to assets | 0.0227% | 2,187 |
| Net operating income to assets | 0.9738% | 2,246 |
| Return on assets (ROA) | 0.9739% | 2,220 |
| Pretax return on assets | 1.2507% | 1,898 |
| Return on Equity (ROE) | 13.7723% | 1,173 |
| Retained earnings to average equity (ytd only) | 13.7723% | 386 |
| Net charge-offs to loans | 0.0067% | 1,759 |
| Credit loss provision to net charge-offs | 614.1176% | 558 |
| Earnings coverage of net charge-offs (x) | 344.0235% | 361 |
| Efficiency ratio | 67.0323% | 2,380 |
| Assets per employee ($millions) | 5.3242% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 3,049 |
| Loan loss allowance to noncurrent loans | 384.8153% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 1,755 |
| Noncurrent loans to loans | 0.2931% | 2,298 |
| Net loans and leases to total assets | 54.9453% | 2,869 |
| Net loans and leases to deposits | 59.5283% | 3,089 |
| Net loans and leases to core deposits | 63.3472% | 3,013 |
| Total domestic deposits to total assets | 92.3010% | 727 |
| Equity capital to assets | 6.5412% | 4,003 |
| Core capital (leverage) ratio | 7.7534% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1002% | 1,413 |
| Memoranda: | ||
| Average total assets | $4,592,682,000 | 283 |
| Average earning assets | $4,258,229,000 | 282 |
| Average equity | $324,752,667 | 370 |
| Average total loans | $2,553,117,000 | 305 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5132% | 1,770 |
| Cost of funding earning assets | 0.2505% | 2,157 |
| Net interest margin | 3.2627% | 1,674 |
| Noninterest income to average assets | 0.7690% | 1,121 |
| Noninterest expense to average assets | 2.5705% | 1,691 |
| Loan and lease loss provision to assets | 0.0231% | 1,944 |
| Net operating income to assets | 0.9618% | 2,030 |
| Return on assets (ROA) | 0.9619% | 2,026 |
| Pretax return on assets | 1.2063% | 1,788 |
| Return on Equity (ROE) | 13.1022% | 1,010 |
| Retained earnings to average equity (ytd only) | 13.1022% | 457 |
| Net charge-offs to loans | 0.0191% | 1,145 |
| Credit loss provision to net charge-offs | 218.1818% | 750 |
| Earnings coverage of net charge-offs (x) | 115.8843% | 622 |
| Efficiency ratio | 67.5711% | 2,559 |
| Assets per employee ($millions) | 5.5450% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 3,143 |
| Loan loss allowance to noncurrent loans | 325.3155% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 1,680 |
| Noncurrent loans to loans | 0.3509% | 2,226 |
| Net loans and leases to total assets | 53.4364% | 2,824 |
| Net loans and leases to deposits | 57.9726% | 3,081 |
| Net loans and leases to core deposits | 61.8125% | 2,988 |
| Total domestic deposits to total assets | 92.1754% | 511 |
| Equity capital to assets | 6.7946% | 4,299 |
| Core capital (leverage) ratio | 7.7801% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4484% | 1,394 |
| Memoranda: | ||
| Average total assets | $4,562,341,500 | 287 |
| Average earning assets | $4,238,145,500 | 283 |
| Average equity | $334,936,000 | 369 |
| Average total loans | $2,536,690,000 | 306 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 1,990 |
| Cost of funding earning assets | 0.3691% | 1,765 |
| Net interest margin | 3.3754% | 2,101 |
| Noninterest income to average assets | 0.9128% | 1,171 |
| Noninterest expense to average assets | 2.6847% | 1,672 |
| Loan and lease loss provision to assets | 0.0984% | 1,263 |
| Net operating income to assets | 0.9796% | 2,754 |
| Return on assets (ROA) | 0.9796% | 2,825 |
| Pretax return on assets | 1.2673% | 2,465 |
| Return on Equity (ROE) | 12.1767% | 1,751 |
| Retained earnings to average equity (ytd only) | 12.1767% | 519 |
| Net charge-offs to loans | 0.0463% | 1,361 |
| Credit loss provision to net charge-offs | 347.3029% | 995 |
| Earnings coverage of net charge-offs (x) | 48.2149% | 1,319 |
| Efficiency ratio | 66.2063% | 2,230 |
| Assets per employee ($millions) | 5.4137% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,232 |
| Loan loss allowance to noncurrent loans | 327.9160% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 1,705 |
| Noncurrent loans to loans | 0.3445% | 2,344 |
| Net loans and leases to total assets | 56.5833% | 2,526 |
| Net loans and leases to deposits | 62.1122% | 2,870 |
| Net loans and leases to core deposits | 66.3182% | 2,788 |
| Total domestic deposits to total assets | 91.0985% | 460 |
| Equity capital to assets | 7.9170% | 4,408 |
| Core capital (leverage) ratio | 7.7758% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5245% | 1,379 |
| Memoranda: | ||
| Average total assets | $4,254,408,400 | 291 |
| Average earning assets | $3,954,518,200 | 287 |
| Average equity | $342,268,800 | 362 |
| Average total loans | $2,602,088,200 | 294 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 2,009 |
| Cost of funding earning assets | 0.3911% | 1,769 |
| Net interest margin | 3.4095% | 2,127 |
| Noninterest income to average assets | 0.9396% | 1,172 |
| Noninterest expense to average assets | 2.6856% | 1,626 |
| Loan and lease loss provision to assets | 0.1217% | 967 |
| Net operating income to assets | 1.0033% | 2,894 |
| Return on assets (ROA) | 1.0033% | 2,958 |
| Pretax return on assets | 1.3008% | 2,623 |
| Return on Equity (ROE) | 12.4191% | 1,897 |
| Retained earnings to average equity (ytd only) | 12.4191% | 745 |
| Net charge-offs to loans | 0.0410% | 1,275 |
| Credit loss provision to net charge-offs | 476.8944% | 779 |
| Earnings coverage of net charge-offs (x) | 55.7528% | 1,173 |
| Efficiency ratio | 65.2973% | 2,200 |
| Assets per employee ($millions) | 5.3039% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 3,277 |
| Loan loss allowance to noncurrent loans | 367.4368% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 1,866 |
| Noncurrent loans to loans | 0.3090% | 2,684 |
| Net loans and leases to total assets | 57.2786% | 2,585 |
| Net loans and leases to deposits | 63.0632% | 2,949 |
| Net loans and leases to core deposits | 67.7050% | 2,805 |
| Total domestic deposits to total assets | 90.8272% | 425 |
| Equity capital to assets | 8.0760% | 4,480 |
| Core capital (leverage) ratio | 7.7115% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4688% | 1,499 |
| Memoranda: | ||
| Average total assets | $4,206,844,500 | 293 |
| Average earning assets | $3,909,363,250 | 290 |
| Average equity | $339,865,500 | 362 |
| Average total loans | $2,616,692,750 | 296 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7638% | 2,162 |
| Cost of funding earning assets | 0.4200% | 1,738 |
| Net interest margin | 3.3439% | 2,318 |
| Noninterest income to average assets | 0.9548% | 1,147 |
| Noninterest expense to average assets | 2.6484% | 1,732 |
| Loan and lease loss provision to assets | 0.1480% | 809 |
| Net operating income to assets | 0.9777% | 2,969 |
| Return on assets (ROA) | 0.9778% | 3,056 |
| Pretax return on assets | 1.2636% | 2,729 |
| Return on Equity (ROE) | 12.1011% | 2,015 |
| Retained earnings to average equity (ytd only) | 12.1011% | 894 |
| Net charge-offs to loans | 0.0532% | 1,088 |
| Credit loss provision to net charge-offs | 436.8421% | 727 |
| Earnings coverage of net charge-offs (x) | 41.6686% | 1,146 |
| Efficiency ratio | 65.1546% | 2,276 |
| Assets per employee ($millions) | 5.1767% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 3,602 |
| Loan loss allowance to noncurrent loans | 246.1700% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 1,644 |
| Noncurrent loans to loans | 0.4283% | 2,394 |
| Net loans and leases to total assets | 61.3415% | 2,261 |
| Net loans and leases to deposits | 67.4434% | 2,680 |
| Net loans and leases to core deposits | 72.4566% | 2,568 |
| Total domestic deposits to total assets | 90.9526% | 392 |
| Equity capital to assets | 8.0062% | 4,528 |
| Core capital (leverage) ratio | 7.5575% | 4,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0031% | 1,628 |
| Memoranda: | ||
| Average total assets | $4,150,542,333 | 296 |
| Average earning assets | $3,854,235,667 | 293 |
| Average equity | $335,359,000 | 364 |
| Average total loans | $2,643,873,000 | 294 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 1,839 |
| Cost of funding earning assets | 0.4491% | 1,728 |
| Net interest margin | 3.4465% | 1,970 |
| Noninterest income to average assets | 1.0307% | 1,087 |
| Noninterest expense to average assets | 2.6943% | 1,633 |
| Loan and lease loss provision to assets | 0.2562% | 404 |
| Net operating income to assets | 0.9944% | 2,825 |
| Return on assets (ROA) | 0.9945% | 2,919 |
| Pretax return on assets | 1.2787% | 2,631 |
| Return on Equity (ROE) | 12.2492% | 1,925 |
| Retained earnings to average equity (ytd only) | 12.2492% | 1,087 |
| Net charge-offs to loans | 0.0374% | 1,099 |
| Credit loss provision to net charge-offs | 1,060.9756% | 401 |
| Earnings coverage of net charge-offs (x) | 63.5569% | 800 |
| Efficiency ratio | 63.6321% | 2,513 |
| Assets per employee ($millions) | 5.1134% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 3,596 |
| Loan loss allowance to noncurrent loans | 238.7365% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 1,819 |
| Noncurrent loans to loans | 0.4461% | 2,518 |
| Net loans and leases to total assets | 61.5417% | 2,336 |
| Net loans and leases to deposits | 67.5669% | 2,747 |
| Net loans and leases to core deposits | 72.7365% | 2,638 |
| Total domestic deposits to total assets | 91.0827% | 373 |
| Equity capital to assets | 7.8678% | 4,564 |
| Core capital (leverage) ratio | 7.7356% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7568% | 1,653 |
| Memoranda: | ||
| Average total assets | $4,074,886,500 | 299 |
| Average earning assets | $3,781,415,000 | 293 |
| Average equity | $330,831,000 | 366 |
| Average total loans | $2,632,339,000 | 296 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3814% | 1,639 |
| Cost of funding earning assets | 0.6991% | 1,721 |
| Net interest margin | 3.6822% | 1,861 |
| Noninterest income to average assets | 0.8821% | 1,310 |
| Noninterest expense to average assets | 2.9238% | 1,622 |
| Loan and lease loss provision to assets | 0.2088% | 1,884 |
| Net operating income to assets | 0.8870% | 2,753 |
| Return on assets (ROA) | 0.8869% | 2,894 |
| Pretax return on assets | 1.1424% | 2,543 |
| Return on Equity (ROE) | 10.2835% | 1,891 |
| Retained earnings to average equity (ytd only) | 8.6829% | 858 |
| Net charge-offs to loans | 0.0879% | 1,584 |
| Credit loss provision to net charge-offs | 345.2305% | 1,594 |
| Earnings coverage of net charge-offs (x) | 22.3387% | 1,859 |
| Efficiency ratio | 68.3057% | 2,196 |
| Assets per employee ($millions) | 4.8158% | 3,591 |
| Cash dividends to net income (ytd only)* | 15.5647% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,935 |
| Loan loss allowance to noncurrent loans | 195.3573% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 1,661 |
| Noncurrent loans to loans | 0.5022% | 2,465 |
| Net loans and leases to total assets | 66.5421% | 2,016 |
| Net loans and leases to deposits | 73.4383% | 2,543 |
| Net loans and leases to core deposits | 79.6559% | 2,398 |
| Total domestic deposits to total assets | 90.6095% | 331 |
| Equity capital to assets | 8.3915% | 4,523 |
| Core capital (leverage) ratio | 7.7793% | 4,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1673% | 1,797 |
| Memoranda: | ||
| Average total assets | $3,622,045,800 | 305 |
| Average earning assets | $3,337,555,200 | 299 |
| Average equity | $312,384,400 | 352 |
| Average total loans | $2,492,378,800 | 300 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 1,946 |
| Cost of funding earning assets | 0.7552% | 1,705 |
| Net interest margin | 3.6102% | 2,240 |
| Noninterest income to average assets | 0.8912% | 1,253 |
| Noninterest expense to average assets | 2.9253% | 1,630 |
| Loan and lease loss provision to assets | 0.1652% | 2,348 |
| Net operating income to assets | 0.8751% | 2,791 |
| Return on assets (ROA) | 0.8750% | 2,927 |
| Pretax return on assets | 1.1230% | 2,671 |
| Return on Equity (ROE) | 10.0711% | 1,995 |
| Retained earnings to average equity (ytd only) | 7.9105% | 1,334 |
| Net charge-offs to loans | 0.0867% | 1,437 |
| Credit loss provision to net charge-offs | 275.0625% | 1,840 |
| Earnings coverage of net charge-offs (x) | 21.4469% | 1,862 |
| Efficiency ratio | 69.3350% | 1,985 |
| Assets per employee ($millions) | 4.8113% | 3,477 |
| Cash dividends to net income (ytd only)* | 21.4537% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 4,198 |
| Loan loss allowance to noncurrent loans | 139.4621% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7918% | 1,457 |
| Noncurrent loans to loans | 0.6166% | 2,259 |
| Net loans and leases to total assets | 69.4315% | 2,037 |
| Net loans and leases to deposits | 76.6770% | 2,689 |
| Net loans and leases to core deposits | 83.2594% | 2,557 |
| Total domestic deposits to total assets | 90.5506% | 272 |
| Equity capital to assets | 8.3219% | 4,562 |
| Core capital (leverage) ratio | 7.8011% | 4,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0676% | 1,807 |
| Memoranda: | ||
| Average total assets | $3,551,144,250 | 306 |
| Average earning assets | $3,268,183,750 | 300 |
| Average equity | $308,545,250 | 350 |
| Average total loans | $2,459,309,500 | 297 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 2,103 |
| Cost of funding earning assets | 0.8252% | 1,704 |
| Net interest margin | 3.6124% | 2,445 |
| Noninterest income to average assets | 0.9085% | 1,147 |
| Noninterest expense to average assets | 2.9841% | 1,619 |
| Loan and lease loss provision to assets | 0.1710% | 2,296 |
| Net operating income to assets | 0.8362% | 2,914 |
| Return on assets (ROA) | 0.8362% | 3,033 |
| Pretax return on assets | 1.0725% | 2,799 |
| Return on Equity (ROE) | 9.4753% | 2,164 |
| Retained earnings to average equity (ytd only) | 6.1926% | 1,992 |
| Net charge-offs to loans | 0.0959% | 1,305 |
| Credit loss provision to net charge-offs | 258.6328% | 1,725 |
| Earnings coverage of net charge-offs (x) | 18.8098% | 1,752 |
| Efficiency ratio | 70.4954% | 1,888 |
| Assets per employee ($millions) | 4.6381% | 3,608 |
| Cash dividends to net income (ytd only)* | 34.6452% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 4,255 |
| Loan loss allowance to noncurrent loans | 144.0938% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.8374% | 1,481 |
| Noncurrent loans to loans | 0.5769% | 2,422 |
| Net loans and leases to total assets | 71.0737% | 1,858 |
| Net loans and leases to deposits | 78.5809% | 2,591 |
| Net loans and leases to core deposits | 85.6563% | 2,466 |
| Total domestic deposits to total assets | 90.4465% | 288 |
| Equity capital to assets | 8.4086% | 4,528 |
| Core capital (leverage) ratio | 7.9233% | 4,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7703% | 1,899 |
| Memoranda: | ||
| Average total assets | $3,451,848,667 | 310 |
| Average earning assets | $3,171,548,333 | 304 |
| Average equity | $304,622,333 | 353 |
| Average total loans | $2,380,539,333 | 300 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 2,162 |
| Cost of funding earning assets | 0.9332% | 1,723 |
| Net interest margin | 3.6150% | 2,617 |
| Noninterest income to average assets | 1.0169% | 827 |
| Noninterest expense to average assets | 3.0314% | 1,799 |
| Loan and lease loss provision to assets | 0.2537% | 1,223 |
| Net operating income to assets | 0.8149% | 2,856 |
| Return on assets (ROA) | 0.8149% | 2,946 |
| Pretax return on assets | 1.0452% | 2,684 |
| Return on Equity (ROE) | 8.9962% | 2,114 |
| Retained earnings to average equity (ytd only) | 2.3373% | 3,322 |
| Net charge-offs to loans | 0.1025% | 1,066 |
| Credit loss provision to net charge-offs | 367.0157% | 1,055 |
| Earnings coverage of net charge-offs (x) | 18.7906% | 1,457 |
| Efficiency ratio | 69.9114% | 2,366 |
| Assets per employee ($millions) | 4.1882% | 3,674 |
| Cash dividends to net income (ytd only)* | 74.0192% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 3,835 |
| Loan loss allowance to noncurrent loans | 129.3711% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.9698% | 1,368 |
| Noncurrent loans to loans | 0.7515% | 2,124 |
| Net loans and leases to total assets | 66.1931% | 2,797 |
| Net loans and leases to deposits | 73.6710% | 3,306 |
| Net loans and leases to core deposits | 81.2873% | 3,086 |
| Total domestic deposits to total assets | 89.8497% | 372 |
| Equity capital to assets | 9.0613% | 4,566 |
| Core capital (leverage) ratio | 8.3940% | 4,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4678% | 2,090 |
| Memoranda: | ||
| Average total assets | $3,315,570,500 | 310 |
| Average earning assets | $3,039,003,000 | 305 |
| Average equity | $300,348,500 | 355 |
| Average total loans | $2,236,179,000 | 305 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 2,670 |
| Cost of funding earning assets | 0.9938% | 1,750 |
| Net interest margin | 3.5908% | 3,161 |
| Noninterest income to average assets | 0.8424% | 1,319 |
| Noninterest expense to average assets | 2.9173% | 2,238 |
| Loan and lease loss provision to assets | 0.0953% | 2,130 |
| Net operating income to assets | 0.8919% | 3,237 |
| Return on assets (ROA) | 0.8919% | 3,327 |
| Pretax return on assets | 1.1474% | 3,017 |
| Return on Equity (ROE) | 10.2391% | 2,189 |
| Retained earnings to average equity (ytd only) | 3.2645% | 3,379 |
| Net charge-offs to loans | 0.1389% | 1,402 |
| Credit loss provision to net charge-offs | 102.0169% | 2,432 |
| Earnings coverage of net charge-offs (x) | 13.3077% | 2,364 |
| Efficiency ratio | 70.0310% | 2,167 |
| Assets per employee ($millions) | 4.0143% | 3,884 |
| Cash dividends to net income (ytd only)* | 68.1176% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 3,889 |
| Loan loss allowance to noncurrent loans | 122.8909% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 1,269 |
| Noncurrent loans to loans | 0.7474% | 2,018 |
| Net loans and leases to total assets | 67.4420% | 2,766 |
| Net loans and leases to deposits | 74.9603% | 3,265 |
| Net loans and leases to core deposits | 83.0079% | 3,039 |
| Total domestic deposits to total assets | 89.9704% | 330 |
| Equity capital to assets | 9.0561% | 4,656 |
| Core capital (leverage) ratio | 8.4014% | 4,894 |
| Tier 1 risk-based capital ratio | 13.5980% | 3,460 |
| Total risk-based capital ratio | 14.6087% | 3,488 |
| Memoranda: | ||
| Average total assets | $3,291,983,800 | 300 |
| Average earning assets | $3,041,506,400 | 295 |
| Average equity | $286,753,200 | 355 |
| Average total loans | $2,213,701,200 | 304 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 2,878 |
| Cost of funding earning assets | 0.9951% | 1,784 |
| Net interest margin | 3.5601% | 3,372 |
| Noninterest income to average assets | 0.8270% | 1,340 |
| Noninterest expense to average assets | 2.8820% | 2,313 |
| Loan and lease loss provision to assets | 0.0939% | 2,032 |
| Net operating income to assets | 0.8918% | 3,374 |
| Return on assets (ROA) | 0.8918% | 3,452 |
| Pretax return on assets | 1.1469% | 3,147 |
| Return on Equity (ROE) | 10.3388% | 2,277 |
| Retained earnings to average equity (ytd only) | 3.3126% | 3,751 |
| Net charge-offs to loans | 0.1166% | 1,319 |
| Credit loss provision to net charge-offs | 120.0517% | 1,954 |
| Earnings coverage of net charge-offs (x) | 15.8703% | 2,163 |
| Efficiency ratio | 69.8075% | 2,143 |
| Assets per employee ($millions) | 4.1630% | 3,676 |
| Cash dividends to net income (ytd only)* | 67.9594% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 3,911 |
| Loan loss allowance to noncurrent loans | 138.9504% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 1,471 |
| Noncurrent loans to loans | 0.6716% | 2,274 |
| Net loans and leases to total assets | 66.7499% | 2,952 |
| Net loans and leases to deposits | 74.2723% | 3,454 |
| Net loans and leases to core deposits | 82.5951% | 3,211 |
| Total domestic deposits to total assets | 89.8719% | 318 |
| Equity capital to assets | 8.8958% | 4,829 |
| Core capital (leverage) ratio | 8.2530% | 5,046 |
| Tier 1 risk-based capital ratio | 13.5379% | 3,546 |
| Total risk-based capital ratio | 14.5694% | 3,575 |
| Memoranda: | ||
| Average total assets | $3,300,067,250 | 302 |
| Average earning assets | $3,054,983,250 | 297 |
| Average equity | $284,642,250 | 359 |
| Average total loans | $2,212,438,250 | 307 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 3,063 |
| Cost of funding earning assets | 0.9844% | 1,775 |
| Net interest margin | 3.4995% | 3,596 |
| Noninterest income to average assets | 0.7929% | 1,372 |
| Noninterest expense to average assets | 2.8464% | 2,423 |
| Loan and lease loss provision to assets | 0.0829% | 2,185 |
| Net operating income to assets | 0.8600% | 3,432 |
| Return on assets (ROA) | 0.8600% | 3,496 |
| Pretax return on assets | 1.1061% | 3,217 |
| Return on Equity (ROE) | 10.0759% | 2,352 |
| Retained earnings to average equity (ytd only) | 2.9807% | 3,724 |
| Net charge-offs to loans | 0.0816% | 1,541 |
| Credit loss provision to net charge-offs | 151.7738% | 1,475 |
| Earnings coverage of net charge-offs (x) | 21.7661% | 1,722 |
| Efficiency ratio | 70.4370% | 2,161 |
| Assets per employee ($millions) | 4.1516% | 3,642 |
| Cash dividends to net income (ytd only)* | 70.4176% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 3,930 |
| Loan loss allowance to noncurrent loans | 123.1936% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 1,590 |
| Noncurrent loans to loans | 0.7608% | 2,079 |
| Net loans and leases to total assets | 65.7290% | 3,146 |
| Net loans and leases to deposits | 72.8660% | 3,612 |
| Net loans and leases to core deposits | 81.0339% | 3,338 |
| Total domestic deposits to total assets | 90.2052% | 278 |
| Equity capital to assets | 8.6390% | 4,989 |
| Core capital (leverage) ratio | 8.1294% | 5,132 |
| Tier 1 risk-based capital ratio | 13.4933% | 3,585 |
| Total risk-based capital ratio | 14.5368% | 3,597 |
| Memoranda: | ||
| Average total assets | $3,302,455,330 | 303 |
| Average earning assets | $3,059,943,330 | 298 |
| Average equity | $281,880,000 | 361 |
| Average total loans | $2,210,346,000 | 309 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 2,589 |
| Cost of funding earning assets | 0.9630% | 1,731 |
| Net interest margin | 3.6207% | 3,177 |
| Noninterest income to average assets | 0.5699% | 2,183 |
| Noninterest expense to average assets | 2.8038% | 2,554 |
| Loan and lease loss provision to assets | 0.0812% | 2,077 |
| Net operating income to assets | 0.8042% | 3,603 |
| Return on assets (ROA) | 0.8042% | 3,646 |
| Pretax return on assets | 1.0400% | 3,308 |
| Return on Equity (ROE) | 9.4807% | 2,596 |
| Retained earnings to average equity (ytd only) | 2.2983% | 3,981 |
| Net charge-offs to loans | 0.0794% | 1,288 |
| Credit loss provision to net charge-offs | 152.0548% | 1,223 |
| Earnings coverage of net charge-offs (x) | 21.0068% | 1,538 |
| Efficiency ratio | 71.3328% | 2,140 |
| Assets per employee ($millions) | 4.1735% | 3,669 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 4,045 |
| Loan loss allowance to noncurrent loans | 133.7304% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 1,759 |
| Noncurrent loans to loans | 0.6932% | 2,286 |
| Net loans and leases to total assets | 66.0090% | 3,050 |
| Net loans and leases to deposits | 73.1322% | 3,520 |
| Net loans and leases to core deposits | 81.2391% | 3,248 |
| Total domestic deposits to total assets | 90.2599% | 368 |
| Equity capital to assets | 8.4540% | 5,017 |
| Core capital (leverage) ratio | 8.1379% | 5,163 |
| Tier 1 risk-based capital ratio | 13.4008% | 3,666 |
| Total risk-based capital ratio | 14.4357% | 3,693 |
| Memoranda: | ||
| Average total assets | $3,282,666,000 | 305 |
| Average earning assets | $3,041,833,500 | 300 |
| Average equity | $278,461,000 | 365 |
| Average total loans | $2,206,785,000 | 313 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 2,139 |
| Cost of funding earning assets | 0.7559% | 1,754 |
| Net interest margin | 3.8406% | 2,532 |
| Noninterest income to average assets | 0.5828% | 2,387 |
| Noninterest expense to average assets | 2.8730% | 2,444 |
| Loan and lease loss provision to assets | 0.0823% | 2,484 |
| Net operating income to assets | 0.9057% | 3,424 |
| Return on assets (ROA) | 0.9057% | 3,411 |
| Pretax return on assets | 1.1736% | 2,997 |
| Return on Equity (ROE) | 10.6946% | 2,209 |
| Retained earnings to average equity (ytd only) | 5.1177% | 2,708 |
| Net charge-offs to loans | 0.1381% | 1,378 |
| Credit loss provision to net charge-offs | 87.6593% | 2,752 |
| Earnings coverage of net charge-offs (x) | 13.3763% | 2,464 |
| Efficiency ratio | 69.4820% | 2,288 |
| Assets per employee ($millions) | 4.0589% | 3,811 |
| Cash dividends to net income (ytd only)* | 52.1467% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 4,068 |
| Loan loss allowance to noncurrent loans | 135.3114% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 1,639 |
| Noncurrent loans to loans | 0.6833% | 2,281 |
| Net loans and leases to total assets | 67.2130% | 2,973 |
| Net loans and leases to deposits | 74.4293% | 3,466 |
| Net loans and leases to core deposits | 82.9577% | 3,184 |
| Total domestic deposits to total assets | 90.3045% | 379 |
| Equity capital to assets | 8.5123% | 4,928 |
| Core capital (leverage) ratio | 8.2040% | 5,172 |
| Tier 1 risk-based capital ratio | 13.3927% | 3,610 |
| Total risk-based capital ratio | 14.4221% | 3,631 |
| Memoranda: | ||
| Average total assets | $3,176,121,600 | 308 |
| Average earning assets | $2,932,579,600 | 304 |
| Average equity | $268,968,000 | 369 |
| Average total loans | $2,159,819,000 | 315 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 2,094 |
| Cost of funding earning assets | 0.7027% | 1,830 |
| Net interest margin | 3.8599% | 2,435 |
| Noninterest income to average assets | 0.5282% | 2,692 |
| Noninterest expense to average assets | 2.8860% | 2,347 |
| Loan and lease loss provision to assets | 0.0603% | 2,775 |
| Net operating income to assets | 0.8789% | 3,629 |
| Return on assets (ROA) | 0.8789% | 3,634 |
| Pretax return on assets | 1.1435% | 3,223 |
| Return on Equity (ROE) | 10.3923% | 2,439 |
| Retained earnings to average equity (ytd only) | 5.4039% | 3,005 |
| Net charge-offs to loans | 0.1181% | 1,328 |
| Credit loss provision to net charge-offs | 75.0525% | 2,582 |
| Earnings coverage of net charge-offs (x) | 14.9864% | 2,258 |
| Efficiency ratio | 70.4628% | 2,125 |
| Assets per employee ($millions) | 4.1119% | 3,708 |
| Cash dividends to net income (ytd only)* | 48.0008% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 4,163 |
| Loan loss allowance to noncurrent loans | 134.6884% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.9418% | 1,555 |
| Noncurrent loans to loans | 0.6865% | 2,360 |
| Net loans and leases to total assets | 67.6909% | 2,986 |
| Net loans and leases to deposits | 75.1907% | 3,490 |
| Net loans and leases to core deposits | 83.8331% | 3,169 |
| Total domestic deposits to total assets | 90.0256% | 505 |
| Equity capital to assets | 8.4361% | 4,968 |
| Core capital (leverage) ratio | 8.2143% | 5,245 |
| Tier 1 risk-based capital ratio | 13.2743% | 3,741 |
| Total risk-based capital ratio | 14.3011% | 3,787 |
| Memoranda: | ||
| Average total assets | $3,160,398,500 | 309 |
| Average earning assets | $2,916,165,750 | 303 |
| Average equity | $267,281,500 | 366 |
| Average total loans | $2,150,434,750 | 316 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 2,134 |
| Cost of funding earning assets | 0.6393% | 1,991 |
| Net interest margin | 3.8461% | 2,400 |
| Noninterest income to average assets | 0.5048% | 2,836 |
| Noninterest expense to average assets | 2.8786% | 2,412 |
| Loan and lease loss provision to assets | 0.0768% | 2,364 |
| Net operating income to assets | 0.8448% | 3,702 |
| Return on assets (ROA) | 0.8448% | 3,700 |
| Pretax return on assets | 1.0994% | 3,318 |
| Return on Equity (ROE) | 9.9806% | 2,568 |
| Retained earnings to average equity (ytd only) | 6.2271% | 2,449 |
| Net charge-offs to loans | 0.0836% | 1,494 |
| Credit loss provision to net charge-offs | 135.1230% | 1,684 |
| Earnings coverage of net charge-offs (x) | 20.7047% | 1,797 |
| Efficiency ratio | 70.8899% | 2,179 |
| Assets per employee ($millions) | 4.0170% | 3,867 |
| Cash dividends to net income (ytd only)* | 37.6081% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 4,010 |
| Loan loss allowance to noncurrent loans | 162.1169% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 1,642 |
| Noncurrent loans to loans | 0.5981% | 2,623 |
| Net loans and leases to total assets | 67.5793% | 2,933 |
| Net loans and leases to deposits | 74.8735% | 3,450 |
| Net loans and leases to core deposits | 83.3772% | 3,132 |
| Total domestic deposits to total assets | 90.2580% | 481 |
| Equity capital to assets | 8.4549% | 4,979 |
| Core capital (leverage) ratio | 8.2362% | 5,244 |
| Tier 1 risk-based capital ratio | 13.2816% | 3,741 |
| Total risk-based capital ratio | 14.3602% | 3,757 |
| Memoranda: | ||
| Average total assets | $3,147,523,330 | 308 |
| Average earning assets | $2,905,197,670 | 304 |
| Average equity | $266,417,670 | 364 |
| Average total loans | $2,138,693,670 | 316 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 2,312 |
| Cost of funding earning assets | 0.5579% | 2,333 |
| Net interest margin | 3.8076% | 2,395 |
| Noninterest income to average assets | 0.5615% | 2,466 |
| Noninterest expense to average assets | 2.7876% | 2,739 |
| Loan and lease loss provision to assets | 0.1308% | 1,445 |
| Net operating income to assets | 0.8883% | 3,342 |
| Return on assets (ROA) | 0.8883% | 3,352 |
| Pretax return on assets | 1.1587% | 2,941 |
| Return on Equity (ROE) | 10.4885% | 2,177 |
| Retained earnings to average equity (ytd only) | 10.4885% | 1,017 |
| Net charge-offs to loans | 0.0806% | 1,325 |
| Credit loss provision to net charge-offs | 239.4860% | 936 |
| Earnings coverage of net charge-offs (x) | 23.6098% | 1,377 |
| Efficiency ratio | 68.3725% | 2,768 |
| Assets per employee ($millions) | 4.1925% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,947 |
| Loan loss allowance to noncurrent loans | 172.5195% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9028% | 1,761 |
| Noncurrent loans to loans | 0.5805% | 2,805 |
| Net loans and leases to total assets | 65.6820% | 3,092 |
| Net loans and leases to deposits | 75.1208% | 3,305 |
| Net loans and leases to core deposits | 83.7915% | 3,001 |
| Total domestic deposits to total assets | 87.4352% | 1,936 |
| Equity capital to assets | 8.3563% | 5,074 |
| Core capital (leverage) ratio | 8.2918% | 5,269 |
| Tier 1 risk-based capital ratio | 13.4251% | 3,706 |
| Total risk-based capital ratio | 14.5363% | 3,692 |
| Memoranda: | ||
| Average total assets | $3,134,565,000 | 306 |
| Average earning assets | $2,894,235,000 | 303 |
| Average equity | $265,471,500 | 366 |
| Average total loans | $2,125,246,500 | 315 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0132% | 629 |
| Cost of funding earning assets | 0.4035% | 3,217 |
| Net interest margin | 4.6097% | 491 |
| Noninterest income to average assets | 0.5500% | 2,718 |
| Noninterest expense to average assets | 3.2962% | 1,380 |
| Loan and lease loss provision to assets | 0.0799% | 2,602 |
| Net operating income to assets | 0.8146% | 3,096 |
| Return on assets (ROA) | 0.8242% | 3,103 |
| Pretax return on assets | 1.4817% | 1,712 |
| Return on Equity (ROE) | 10.5047% | 1,675 |
| Retained earnings to average equity (ytd only) | 5.6373% | 1,746 |
| Net charge-offs to loans | 0.1364% | 1,701 |
| Credit loss provision to net charge-offs | 90.9091% | 2,765 |
| Earnings coverage of net charge-offs (x) | 17.5949% | 2,115 |
| Efficiency ratio | 68.0644% | 2,884 |
| Assets per employee ($millions) | 4.7069% | 2,855 |
| Cash dividends to net income (ytd only)* | 46.3359% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 4,182 |
| Loan loss allowance to noncurrent loans | 101.3740% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 1,491 |
| Noncurrent loans to loans | 0.9424% | 1,890 |
| Net loans and leases to total assets | 60.2213% | 3,806 |
| Net loans and leases to deposits | 70.0551% | 3,871 |
| Net loans and leases to core deposits | 77.2065% | 3,651 |
| Total domestic deposits to total assets | 85.9627% | 2,454 |
| Equity capital to assets | 7.4236% | 5,552 |
| Core capital (leverage) ratio | 8.2575% | 5,317 |
| Tier 1 risk-based capital ratio | 13.4545% | 3,651 |
| Total risk-based capital ratio | 14.4799% | 3,701 |
| Memoranda: | ||
| Average total assets | $850,968,000 | 875 |
| Average earning assets | $792,480,000 | 869 |
| Average equity | $66,770,000 | 1,196 |
| Average total loans | $548,309,800 | 938 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0545% | 550 |
| Cost of funding earning assets | 0.3927% | 3,271 |
| Net interest margin | 4.6618% | 443 |
| Noninterest income to average assets | 0.5577% | 2,680 |
| Noninterest expense to average assets | 3.4090% | 1,140 |
| Loan and lease loss provision to assets | 0.0721% | 2,633 |
| Net operating income to assets | 0.9150% | 2,945 |
| Return on assets (ROA) | 0.9283% | 2,946 |
| Pretax return on assets | 1.4356% | 1,989 |
| Return on Equity (ROE) | 11.6559% | 1,440 |
| Retained earnings to average equity (ytd only) | 8.1342% | 1,171 |
| Net charge-offs to loans | 0.1237% | 1,551 |
| Credit loss provision to net charge-offs | 89.1089% | 2,471 |
| Earnings coverage of net charge-offs (x) | 18.3742% | 2,053 |
| Efficiency ratio | 69.6258% | 2,600 |
| Assets per employee ($millions) | 4.3629% | 3,368 |
| Cash dividends to net income (ytd only)* | 30.2142% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 4,276 |
| Loan loss allowance to noncurrent loans | 106.3423% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.8911% | 1,927 |
| Noncurrent loans to loans | 0.9037% | 2,123 |
| Net loans and leases to total assets | 65.7352% | 3,141 |
| Net loans and leases to deposits | 72.8273% | 3,685 |
| Net loans and leases to core deposits | 78.8265% | 3,556 |
| Total domestic deposits to total assets | 90.2617% | 390 |
| Equity capital to assets | 8.0887% | 5,492 |
| Core capital (leverage) ratio | 8.2715% | 5,384 |
| Tier 1 risk-based capital ratio | 13.3916% | 3,773 |
| Total risk-based capital ratio | 14.4373% | 3,799 |
| Memoranda: | ||
| Average total assets | $831,895,250 | 897 |
| Average earning assets | $774,181,500 | 894 |
| Average equity | $66,253,500 | 1,209 |
| Average total loans | $544,439,000 | 947 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 641 |
| Cost of funding earning assets | 0.3796% | 3,297 |
| Net interest margin | 4.5575% | 509 |
| Noninterest income to average assets | 0.5576% | 2,667 |
| Noninterest expense to average assets | 3.4019% | 1,159 |
| Loan and lease loss provision to assets | 0.0435% | 3,125 |
| Net operating income to assets | 0.8777% | 3,029 |
| Return on assets (ROA) | 0.8780% | 3,086 |
| Pretax return on assets | 1.3520% | 2,204 |
| Return on Equity (ROE) | 11.0841% | 1,613 |
| Retained earnings to average equity (ytd only) | 8.7947% | 902 |
| Net charge-offs to loans | 0.0486% | 2,246 |
| Credit loss provision to net charge-offs | 137.4046% | 1,618 |
| Earnings coverage of net charge-offs (x) | 44.0382% | 1,179 |
| Efficiency ratio | 70.9180% | 2,525 |
| Assets per employee ($millions) | 4.1899% | 3,645 |
| Cash dividends to net income (ytd only)* | 20.6555% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 4,139 |
| Loan loss allowance to noncurrent loans | 82.4296% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 1,633 |
| Noncurrent loans to loans | 1.2146% | 1,605 |
| Net loans and leases to total assets | 64.9381% | 3,262 |
| Net loans and leases to deposits | 71.8342% | 3,758 |
| Net loans and leases to core deposits | 77.6732% | 3,626 |
| Total domestic deposits to total assets | 90.4000% | 394 |
| Equity capital to assets | 8.0631% | 5,509 |
| Core capital (leverage) ratio | 8.1385% | 5,467 |
| Tier 1 risk-based capital ratio | 13.4021% | 3,746 |
| Total risk-based capital ratio | 14.4872% | 3,759 |
| Memoranda: | ||
| Average total assets | $827,060,000 | 914 |
| Average earning assets | $769,324,000 | 903 |
| Average equity | $65,517,000 | 1,221 |
| Average total loans | $538,658,000 | 957 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 784 |
| Cost of funding earning assets | 0.3709% | 3,302 |
| Net interest margin | 4.4087% | 628 |
| Noninterest income to average assets | 0.5214% | 2,831 |
| Noninterest expense to average assets | 3.2814% | 1,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8665% | 2,918 |
| Return on assets (ROA) | 0.8671% | 2,969 |
| Pretax return on assets | 1.3379% | 2,107 |
| Return on Equity (ROE) | 11.0462% | 1,541 |
| Retained earnings to average equity (ytd only) | 6.3945% | 2,137 |
| Net charge-offs to loans | 0.0540% | 1,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 38.1389% | 1,066 |
| Efficiency ratio | 71.0521% | 2,724 |
| Assets per employee ($millions) | 4.4535% | 3,247 |
| Cash dividends to net income (ytd only)* | 42.1112% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 4,210 |
| Loan loss allowance to noncurrent loans | 80.4364% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 1,694 |
| Noncurrent loans to loans | 1.2570% | 1,606 |
| Net loans and leases to total assets | 62.2708% | 3,498 |
| Net loans and leases to deposits | 68.6596% | 3,925 |
| Net loans and leases to core deposits | 73.9501% | 3,838 |
| Total domestic deposits to total assets | 90.6949% | 391 |
| Equity capital to assets | 7.7263% | 5,626 |
| Core capital (leverage) ratio | 8.0719% | 5,527 |
| Tier 1 risk-based capital ratio | 13.3939% | 3,838 |
| Total risk-based capital ratio | 14.4844% | 3,847 |
| Memoranda: | ||
| Average total assets | $821,605,000 | 921 |
| Average earning assets | $763,498,000 | 914 |
| Average equity | $64,492,500 | 1,238 |
| Average total loans | $533,154,500 | 962 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2313% | 395 |
| Cost of funding earning assets | 0.3991% | 3,006 |
| Net interest margin | 4.8322% | 330 |
| Noninterest income to average assets | 0.5986% | 2,671 |
| Noninterest expense to average assets | 3.3410% | 1,485 |
| Loan and lease loss provision to assets | 0.1665% | 1,477 |
| Net operating income to assets | 1.0258% | 2,238 |
| Return on assets (ROA) | 1.0320% | 2,320 |
| Pretax return on assets | 1.5647% | 1,380 |
| Return on Equity (ROE) | 12.6866% | 1,071 |
| Retained earnings to average equity (ytd only) | 5.0615% | 2,305 |
| Net charge-offs to loans | 0.0941% | 2,366 |
| Credit loss provision to net charge-offs | 259.6741% | 1,111 |
| Earnings coverage of net charge-offs (x) | 26.8574% | 1,536 |
| Efficiency ratio | 65.9892% | 3,587 |
| Assets per employee ($millions) | 4.1085% | 3,771 |
| Cash dividends to net income (ytd only)* | 60.1038% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 4,184 |
| Loan loss allowance to noncurrent loans | 89.7187% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.0521% | 1,794 |
| Noncurrent loans to loans | 1.1384% | 1,800 |
| Net loans and leases to total assets | 66.3148% | 3,026 |
| Net loans and leases to deposits | 73.1934% | 3,595 |
| Net loans and leases to core deposits | 79.0456% | 3,474 |
| Total domestic deposits to total assets | 90.6022% | 418 |
| Equity capital to assets | 7.9804% | 5,575 |
| Core capital (leverage) ratio | 8.0832% | 5,573 |
| Tier 1 risk-based capital ratio | 13.0412% | 4,041 |
| Total risk-based capital ratio | 14.1429% | 4,032 |
| Memoranda: | ||
| Average total assets | $765,823,600 | 941 |
| Average earning assets | $707,527,200 | 944 |
| Average equity | $62,294,200 | 1,258 |
| Average total loans | $521,568,000 | 941 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2587% | 392 |
| Cost of funding earning assets | 0.4012% | 3,012 |
| Net interest margin | 4.8574% | 327 |
| Noninterest income to average assets | 0.6103% | 2,608 |
| Noninterest expense to average assets | 3.3808% | 1,382 |
| Loan and lease loss provision to assets | 0.1979% | 1,075 |
| Net operating income to assets | 1.0086% | 2,393 |
| Return on assets (ROA) | 1.0170% | 2,487 |
| Pretax return on assets | 1.5287% | 1,617 |
| Return on Equity (ROE) | 12.4410% | 1,191 |
| Retained earnings to average equity (ytd only) | 3.8343% | 3,579 |
| Net charge-offs to loans | 0.0301% | 3,052 |
| Credit loss provision to net charge-offs | 961.5385% | 427 |
| Earnings coverage of net charge-offs (x) | 83.2885% | 755 |
| Efficiency ratio | 66.3571% | 3,530 |
| Assets per employee ($millions) | 4.2616% | 3,485 |
| Cash dividends to net income (ytd only)* | 69.1802% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,936 |
| Loan loss allowance to noncurrent loans | 84.1434% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.1403% | 1,769 |
| Noncurrent loans to loans | 1.2852% | 1,739 |
| Net loans and leases to total assets | 65.8787% | 3,146 |
| Net loans and leases to deposits | 73.0706% | 3,693 |
| Net loans and leases to core deposits | 79.5078% | 3,497 |
| Total domestic deposits to total assets | 90.1576% | 426 |
| Equity capital to assets | 8.0469% | 5,723 |
| Core capital (leverage) ratio | 8.1361% | 5,621 |
| Tier 1 risk-based capital ratio | 12.9329% | 4,200 |
| Total risk-based capital ratio | 14.0952% | 4,168 |
| Memoranda: | ||
| Average total assets | $758,017,500 | 952 |
| Average earning assets | $699,832,000 | 951 |
| Average equity | $61,965,750 | 1,270 |
| Average total loans | $518,456,250 | 945 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 495 |
| Cost of funding earning assets | 0.4005% | 3,041 |
| Net interest margin | 4.6987% | 422 |
| Noninterest income to average assets | 0.6357% | 2,436 |
| Noninterest expense to average assets | 3.3542% | 1,474 |
| Loan and lease loss provision to assets | 0.2166% | 966 |
| Net operating income to assets | 0.9494% | 2,626 |
| Return on assets (ROA) | 0.9614% | 2,719 |
| Pretax return on assets | 1.4122% | 1,975 |
| Return on Equity (ROE) | 11.6961% | 1,418 |
| Retained earnings to average equity (ytd only) | 2.7491% | 4,150 |
| Net charge-offs to loans | 0.0275% | 2,932 |
| Credit loss provision to net charge-offs | 1,140.8451% | 336 |
| Earnings coverage of net charge-offs (x) | 84.8592% | 673 |
| Efficiency ratio | 67.5517% | 3,438 |
| Assets per employee ($millions) | 4.0014% | 3,897 |
| Cash dividends to net income (ytd only)* | 76.4951% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 4,390 |
| Loan loss allowance to noncurrent loans | 91.3991% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.2184% | 1,695 |
| Noncurrent loans to loans | 1.1190% | 2,054 |
| Net loans and leases to total assets | 68.4944% | 2,712 |
| Net loans and leases to deposits | 75.9436% | 3,391 |
| Net loans and leases to core deposits | 82.3487% | 3,234 |
| Total domestic deposits to total assets | 90.1911% | 416 |
| Equity capital to assets | 8.1640% | 5,748 |
| Core capital (leverage) ratio | 8.2046% | 5,599 |
| Tier 1 risk-based capital ratio | 12.5344% | 4,492 |
| Total risk-based capital ratio | 13.6239% | 4,524 |
| Memoranda: | ||
| Average total assets | $747,890,330 | 966 |
| Average earning assets | $689,164,000 | 967 |
| Average equity | $61,473,670 | 1,276 |
| Average total loans | $516,253,330 | 949 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 607 |
| Cost of funding earning assets | 0.3972% | 3,104 |
| Net interest margin | 4.5812% | 521 |
| Noninterest income to average assets | 0.5645% | 2,721 |
| Noninterest expense to average assets | 3.3316% | 1,525 |
| Loan and lease loss provision to assets | 0.1190% | 1,772 |
| Net operating income to assets | 0.8576% | 2,958 |
| Return on assets (ROA) | 0.8576% | 3,075 |
| Pretax return on assets | 1.3303% | 2,181 |
| Return on Equity (ROE) | 10.3977% | 1,821 |
| Retained earnings to average equity (ytd only) | 0.5638% | 4,977 |
| Net charge-offs to loans | 0.0298% | 2,354 |
| Credit loss provision to net charge-offs | 578.9474% | 540 |
| Earnings coverage of net charge-offs (x) | 70.5263% | 691 |
| Efficiency ratio | 69.6867% | 3,187 |
| Assets per employee ($millions) | 4.1084% | 3,747 |
| Cash dividends to net income (ytd only)* | 94.5776% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 4,830 |
| Loan loss allowance to noncurrent loans | 96.4996% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 1,853 |
| Noncurrent loans to loans | 0.9876% | 2,409 |
| Net loans and leases to total assets | 66.7086% | 2,858 |
| Net loans and leases to deposits | 73.9214% | 3,445 |
| Net loans and leases to core deposits | 79.6365% | 3,356 |
| Total domestic deposits to total assets | 90.2426% | 509 |
| Equity capital to assets | 8.1225% | 5,777 |
| Core capital (leverage) ratio | 8.3108% | 5,559 |
| Tier 1 risk-based capital ratio | 13.0033% | 4,267 |
| Total risk-based capital ratio | 14.0297% | 4,317 |
| Memoranda: | ||
| Average total assets | $739,706,500 | 978 |
| Average earning assets | $680,777,500 | 975 |
| Average equity | $61,013,500 | 1,281 |
| Average total loans | $509,938,500 | 957 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2367% | 404 |
| Cost of funding earning assets | 0.3541% | 3,656 |
| Net interest margin | 4.8826% | 309 |
| Noninterest income to average assets | 0.5734% | 2,875 |
| Noninterest expense to average assets | 3.4865% | 1,310 |
| Loan and lease loss provision to assets | 0.0697% | 2,888 |
| Net operating income to assets | 0.9644% | 2,559 |
| Return on assets (ROA) | 0.9699% | 2,595 |
| Pretax return on assets | 1.5050% | 1,542 |
| Return on Equity (ROE) | 11.2520% | 1,529 |
| Retained earnings to average equity (ytd only) | 0.2805% | 5,397 |
| Net charge-offs to loans | 0.1062% | 2,328 |
| Credit loss provision to net charge-offs | 92.8030% | 2,706 |
| Earnings coverage of net charge-offs (x) | 20.8580% | 1,850 |
| Efficiency ratio | 69.0037% | 3,400 |
| Assets per employee ($millions) | 3.9534% | 4,022 |
| Cash dividends to net income (ytd only)* | 97.5073% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 5,031 |
| Loan loss allowance to noncurrent loans | 84.6168% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 1,606 |
| Noncurrent loans to loans | 1.0806% | 2,178 |
| Net loans and leases to total assets | 69.9512% | 2,371 |
| Net loans and leases to deposits | 77.6107% | 3,088 |
| Net loans and leases to core deposits | 83.3153% | 3,023 |
| Total domestic deposits to total assets | 90.1310% | 579 |
| Equity capital to assets | 8.3798% | 5,647 |
| Core capital (leverage) ratio | 8.4980% | 5,439 |
| Tier 1 risk-based capital ratio | 12.9451% | 4,360 |
| Total risk-based capital ratio | 13.9301% | 4,425 |
| Memoranda: | ||
| Average total assets | $703,199,800 | 989 |
| Average earning assets | $645,104,200 | 986 |
| Average equity | $60,611,600 | 1,250 |
| Average total loans | $497,096,000 | 943 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 359 |
| Cost of funding earning assets | 0.3436% | 3,826 |
| Net interest margin | 4.9839% | 266 |
| Noninterest income to average assets | 0.6285% | 2,589 |
| Noninterest expense to average assets | 3.6294% | 1,068 |
| Loan and lease loss provision to assets | 0.0649% | 2,889 |
| Net operating income to assets | 0.9699% | 2,620 |
| Return on assets (ROA) | 0.9773% | 2,668 |
| Pretax return on assets | 1.5158% | 1,640 |
| Return on Equity (ROE) | 11.2568% | 1,606 |
| Retained earnings to average equity (ytd only) | 0.5874% | 5,439 |
| Net charge-offs to loans | 0.1175% | 1,951 |
| Credit loss provision to net charge-offs | 78.1609% | 2,640 |
| Earnings coverage of net charge-offs (x) | 18.8895% | 1,976 |
| Efficiency ratio | 69.8137% | 3,238 |
| Assets per employee ($millions) | 3.9247% | 4,029 |
| Cash dividends to net income (ytd only)* | 94.7821% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 5,076 |
| Loan loss allowance to noncurrent loans | 79.9757% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 1,558 |
| Noncurrent loans to loans | 1.1613% | 2,197 |
| Net loans and leases to total assets | 69.2690% | 2,492 |
| Net loans and leases to deposits | 77.2965% | 3,168 |
| Net loans and leases to core deposits | 82.5456% | 3,191 |
| Total domestic deposits to total assets | 89.6146% | 726 |
| Equity capital to assets | 8.6085% | 5,640 |
| Core capital (leverage) ratio | 8.6880% | 5,362 |
| Tier 1 risk-based capital ratio | 13.3357% | 4,229 |
| Total risk-based capital ratio | 14.3367% | 4,301 |
| Memoranda: | ||
| Average total assets | $698,131,250 | 1,000 |
| Average earning assets | $640,180,250 | 998 |
| Average equity | $60,608,000 | 1,260 |
| Average total loans | $493,682,750 | 955 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1548% | 457 |
| Cost of funding earning assets | 0.3333% | 4,007 |
| Net interest margin | 4.8215% | 347 |
| Noninterest income to average assets | 0.6256% | 2,603 |
| Noninterest expense to average assets | 3.5948% | 1,137 |
| Loan and lease loss provision to assets | 0.0548% | 3,016 |
| Net operating income to assets | 0.9058% | 2,845 |
| Return on assets (ROA) | 0.8985% | 3,011 |
| Pretax return on assets | 1.3881% | 2,032 |
| Return on Equity (ROE) | 10.3199% | 1,927 |
| Retained earnings to average equity (ytd only) | 0.2251% | 5,436 |
| Net charge-offs to loans | 0.1149% | 1,854 |
| Credit loss provision to net charge-offs | 67.1378% | 2,501 |
| Earnings coverage of net charge-offs (x) | 17.8304% | 1,834 |
| Efficiency ratio | 71.2003% | 3,130 |
| Assets per employee ($millions) | 3.5654% | 4,688 |
| Cash dividends to net income (ytd only)* | 97.8191% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 5,186 |
| Loan loss allowance to noncurrent loans | 72.9183% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.5079% | 1,628 |
| Noncurrent loans to loans | 1.2735% | 2,115 |
| Net loans and leases to total assets | 69.0448% | 2,478 |
| Net loans and leases to deposits | 76.9593% | 3,167 |
| Net loans and leases to core deposits | 81.8381% | 3,196 |
| Total domestic deposits to total assets | 89.7160% | 780 |
| Equity capital to assets | 8.5017% | 5,684 |
| Core capital (leverage) ratio | 8.7291% | 5,292 |
| Tier 1 risk-based capital ratio | 13.3438% | 4,314 |
| Total risk-based capital ratio | 14.3492% | 4,376 |
| Memoranda: | ||
| Average total assets | $694,053,670 | 1,005 |
| Average earning assets | $636,726,000 | 1,004 |
| Average equity | $60,426,670 | 1,268 |
| Average total loans | $492,685,330 | 952 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 691 |
| Cost of funding earning assets | 0.3251% | 4,165 |
| Net interest margin | 4.5813% | 522 |
| Noninterest income to average assets | 0.5259% | 3,114 |
| Noninterest expense to average assets | 3.5089% | 1,286 |
| Loan and lease loss provision to assets | 0.0409% | 3,097 |
| Net operating income to assets | 0.7610% | 3,478 |
| Return on assets (ROA) | 0.7538% | 3,653 |
| Pretax return on assets | 1.1646% | 2,815 |
| Return on Equity (ROE) | 8.5533% | 2,674 |
| Retained earnings to average equity (ytd only) | -3.3815% | 5,823 |
| Net charge-offs to loans | 0.0685% | 2,049 |
| Credit loss provision to net charge-offs | 83.3333% | 1,796 |
| Earnings coverage of net charge-offs (x) | 24.7857% | 1,286 |
| Efficiency ratio | 74.2550% | 2,779 |
| Assets per employee ($millions) | 3.6848% | 4,543 |
| Cash dividends to net income (ytd only)* | 139.5349% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 5,213 |
| Loan loss allowance to noncurrent loans | 72.5054% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.5421% | 1,678 |
| Noncurrent loans to loans | 1.3208% | 2,177 |
| Net loans and leases to total assets | 68.9776% | 2,292 |
| Net loans and leases to deposits | 76.8467% | 2,954 |
| Net loans and leases to core deposits | 80.8204% | 3,075 |
| Total domestic deposits to total assets | 89.7600% | 866 |
| Equity capital to assets | 8.5719% | 5,689 |
| Core capital (leverage) ratio | 8.9286% | 5,042 |
| Tier 1 risk-based capital ratio | 12.7511% | 4,756 |
| Total risk-based capital ratio | 13.7378% | 4,828 |
| Memoranda: | ||
| Average total assets | $684,536,000 | 1,014 |
| Average earning assets | $627,508,500 | 1,018 |
| Average equity | $60,327,500 | 1,272 |
| Average total loans | $490,545,000 | 959 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 842 |
| Cost of funding earning assets | 0.3199% | 4,581 |
| Net interest margin | 4.6382% | 579 |
| Noninterest income to average assets | 0.6082% | 2,807 |
| Noninterest expense to average assets | 3.1212% | 2,449 |
| Loan and lease loss provision to assets | 0.0616% | 3,285 |
| Net operating income to assets | 1.0812% | 2,050 |
| Return on assets (ROA) | 1.0587% | 2,191 |
| Pretax return on assets | 1.6328% | 1,144 |
| Return on Equity (ROE) | 12.2116% | 1,349 |
| Retained earnings to average equity (ytd only) | 0.5966% | 5,506 |
| Net charge-offs to loans | 0.0854% | 3,279 |
| Credit loss provision to net charge-offs | 105.4591% | 2,271 |
| Earnings coverage of net charge-offs (x) | 29.6104% | 1,352 |
| Efficiency ratio | 64.3525% | 4,543 |
| Assets per employee ($millions) | 3.7375% | 4,465 |
| Cash dividends to net income (ytd only)* | 95.1143% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 5,253 |
| Loan loss allowance to noncurrent loans | 65.1356% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.7328% | 1,535 |
| Noncurrent loans to loans | 1.4723% | 1,991 |
| Net loans and leases to total assets | 73.0865% | 1,741 |
| Net loans and leases to deposits | 81.9515% | 2,478 |
| Net loans and leases to core deposits | 86.1078% | 2,679 |
| Total domestic deposits to total assets | 89.1826% | 1,133 |
| Equity capital to assets | 9.0679% | 5,217 |
| Core capital (leverage) ratio | 9.0792% | 4,857 |
| Tier 1 risk-based capital ratio | 13.1964% | 4,589 |
| Total risk-based capital ratio | 14.2122% | 4,662 |
| Memoranda: | ||
| Average total assets | $690,184,800 | 970 |
| Average earning assets | $631,214,200 | 973 |
| Average equity | $59,836,600 | 1,223 |
| Average total loans | $472,011,400 | 944 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 987 |
| Cost of funding earning assets | 0.3167% | 4,708 |
| Net interest margin | 4.5561% | 678 |
| Noninterest income to average assets | 0.6153% | 2,775 |
| Noninterest expense to average assets | 3.1368% | 2,360 |
| Loan and lease loss provision to assets | 0.0632% | 3,092 |
| Net operating income to assets | 1.0272% | 2,334 |
| Return on assets (ROA) | 1.0067% | 2,488 |
| Pretax return on assets | 1.5504% | 1,481 |
| Return on Equity (ROE) | 11.7401% | 1,547 |
| Retained earnings to average equity (ytd only) | 0.0179% | 5,788 |
| Net charge-offs to loans | 0.0496% | 3,506 |
| Credit loss provision to net charge-offs | 189.6552% | 1,328 |
| Earnings coverage of net charge-offs (x) | 49.3860% | 988 |
| Efficiency ratio | 65.5963% | 4,274 |
| Assets per employee ($millions) | 4.1238% | 3,614 |
| Cash dividends to net income (ytd only)* | 99.8479% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 5,118 |
| Loan loss allowance to noncurrent loans | 96.1668% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3403% | 2,300 |
| Noncurrent loans to loans | 1.0612% | 2,955 |
| Net loans and leases to total assets | 68.1905% | 2,500 |
| Net loans and leases to deposits | 76.2427% | 3,155 |
| Net loans and leases to core deposits | 80.3440% | 3,279 |
| Total domestic deposits to total assets | 89.4387% | 1,012 |
| Equity capital to assets | 8.6836% | 5,653 |
| Core capital (leverage) ratio | 8.7822% | 5,359 |
| Tier 1 risk-based capital ratio | 13.4544% | 4,576 |
| Total risk-based capital ratio | 14.5258% | 4,620 |
| Memoranda: | ||
| Average total assets | $696,413,250 | 971 |
| Average earning assets | $636,877,500 | 971 |
| Average equity | $59,714,250 | 1,236 |
| Average total loans | $467,281,500 | 953 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7332% | 1,219 |
| Cost of funding earning assets | 0.3143% | 4,835 |
| Net interest margin | 4.4189% | 822 |
| Noninterest income to average assets | 0.6452% | 2,574 |
| Noninterest expense to average assets | 3.0670% | 2,607 |
| Loan and lease loss provision to assets | 0.0944% | 2,451 |
| Net operating income to assets | 1.0028% | 2,312 |
| Return on assets (ROA) | 0.9994% | 2,395 |
| Pretax return on assets | 1.5411% | 1,422 |
| Return on Equity (ROE) | 11.7047% | 1,520 |
| Retained earnings to average equity (ytd only) | -0.0235% | 5,685 |
| Net charge-offs to loans | 0.0271% | 3,652 |
| Credit loss provision to net charge-offs | 523.8095% | 564 |
| Earnings coverage of net charge-offs (x) | 91.0159% | 595 |
| Efficiency ratio | 65.1492% | 4,499 |
| Assets per employee ($millions) | 4.2397% | 3,393 |
| Cash dividends to net income (ytd only)* | 100.2004% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 5,114 |
| Loan loss allowance to noncurrent loans | 180.6346% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 3,002 |
| Noncurrent loans to loans | 0.5812% | 4,281 |
| Net loans and leases to total assets | 66.7391% | 2,634 |
| Net loans and leases to deposits | 74.4502% | 3,271 |
| Net loans and leases to core deposits | 78.3874% | 3,392 |
| Total domestic deposits to total assets | 89.6426% | 994 |
| Equity capital to assets | 8.6039% | 5,712 |
| Core capital (leverage) ratio | 8.7911% | 5,281 |
| Tier 1 risk-based capital ratio | 13.5060% | 4,575 |
| Total risk-based capital ratio | 14.6066% | 4,624 |
| Memoranda: | ||
| Average total assets | $698,995,000 | 966 |
| Average earning assets | $642,608,330 | 964 |
| Average equity | $59,685,330 | 1,224 |
| Average total loans | $464,892,670 | 953 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 1,707 |
| Cost of funding earning assets | 0.3137% | 4,933 |
| Net interest margin | 4.2157% | 1,170 |
| Noninterest income to average assets | 0.6480% | 2,476 |
| Noninterest expense to average assets | 2.9872% | 2,906 |
| Loan and lease loss provision to assets | 0.1088% | 2,123 |
| Net operating income to assets | 0.9200% | 2,548 |
| Return on assets (ROA) | 0.9211% | 2,622 |
| Pretax return on assets | 1.4306% | 1,640 |
| Return on Equity (ROE) | 10.8288% | 1,743 |
| Retained earnings to average equity (ytd only) | -2.6315% | 5,925 |
| Net charge-offs to loans | 0.0494% | 2,690 |
| Credit loss provision to net charge-offs | 333.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 47.1228% | 787 |
| Efficiency ratio | 66.0172% | 4,522 |
| Assets per employee ($millions) | 4.3290% | 3,286 |
| Cash dividends to net income (ytd only)* | 124.3008% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 5,326 |
| Loan loss allowance to noncurrent loans | 145.7212% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.1105% | 3,035 |
| Noncurrent loans to loans | 0.7185% | 4,071 |
| Net loans and leases to total assets | 64.5466% | 2,805 |
| Net loans and leases to deposits | 71.6863% | 3,378 |
| Net loans and leases to core deposits | 75.8245% | 3,422 |
| Total domestic deposits to total assets | 90.0404% | 1,055 |
| Equity capital to assets | 8.4049% | 5,742 |
| Core capital (leverage) ratio | 8.8355% | 5,219 |
| Tier 1 risk-based capital ratio | 13.6422% | 4,585 |
| Total risk-based capital ratio | 14.7308% | 4,642 |
| Memoranda: | ||
| Average total assets | $698,720,000 | 977 |
| Average earning assets | $642,550,000 | 970 |
| Average equity | $59,434,000 | 1,229 |
| Average total loans | $461,427,500 | 961 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1213% | 742 |
| Cost of funding earning assets | 0.3615% | 5,035 |
| Net interest margin | 4.7598% | 466 |
| Noninterest income to average assets | 0.4973% | 3,783 |
| Noninterest expense to average assets | 3.2006% | 2,416 |
| Loan and lease loss provision to assets | 0.0279% | 4,559 |
| Net operating income to assets | 1.0523% | 2,109 |
| Return on assets (ROA) | 1.1162% | 1,947 |
| Pretax return on assets | 1.7160% | 913 |
| Return on Equity (ROE) | 12.4008% | 1,308 |
| Retained earnings to average equity (ytd only) | 0.8292% | 5,463 |
| Net charge-offs to loans | 0.0680% | 4,260 |
| Credit loss provision to net charge-offs | 62.4161% | 3,495 |
| Earnings coverage of net charge-offs (x) | 36.8456% | 1,016 |
| Efficiency ratio | 66.0440% | 4,549 |
| Assets per employee ($millions) | 4.1676% | 3,507 |
| Cash dividends to net income (ytd only)* | 93.3136% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 5,502 |
| Loan loss allowance to noncurrent loans | 133.0494% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.3207% | 2,776 |
| Noncurrent loans to loans | 0.7614% | 4,062 |
| Net loans and leases to total assets | 66.1872% | 2,667 |
| Net loans and leases to deposits | 73.7065% | 3,306 |
| Net loans and leases to core deposits | 78.1010% | 3,349 |
| Total domestic deposits to total assets | 89.7982% | 1,180 |
| Equity capital to assets | 8.6093% | 5,471 |
| Core capital (leverage) ratio | 8.9761% | 5,042 |
| Tier 1 risk-based capital ratio | 13.5077% | 4,648 |
| Total risk-based capital ratio | 14.5492% | 4,729 |
| Memoranda: | ||
| Average total assets | $667,252,200 | 999 |
| Average earning assets | $609,647,600 | 1,007 |
| Average equity | $60,060,400 | 1,197 |
| Average total loans | $438,158,600 | 977 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 595 |
| Cost of funding earning assets | 0.3708% | 5,089 |
| Net interest margin | 4.8717% | 383 |
| Noninterest income to average assets | 0.5155% | 3,703 |
| Noninterest expense to average assets | 3.3803% | 1,871 |
| Loan and lease loss provision to assets | 0.0375% | 4,259 |
| Net operating income to assets | 1.0059% | 2,355 |
| Return on assets (ROA) | 1.0919% | 2,114 |
| Pretax return on assets | 1.6761% | 1,153 |
| Return on Equity (ROE) | 11.9938% | 1,476 |
| Retained earnings to average equity (ytd only) | 0.4741% | 5,779 |
| Net charge-offs to loans | 0.0577% | 4,079 |
| Credit loss provision to net charge-offs | 99.4652% | 2,400 |
| Earnings coverage of net charge-offs (x) | 41.9300% | 972 |
| Efficiency ratio | 68.1286% | 4,074 |
| Assets per employee ($millions) | 4.1095% | 3,621 |
| Cash dividends to net income (ytd only)* | 96.0472% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 5,444 |
| Loan loss allowance to noncurrent loans | 134.7851% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.5164% | 2,660 |
| Noncurrent loans to loans | 0.7940% | 4,257 |
| Net loans and leases to total assets | 65.3973% | 2,735 |
| Net loans and leases to deposits | 73.1820% | 3,364 |
| Net loans and leases to core deposits | 78.0769% | 3,357 |
| Total domestic deposits to total assets | 89.3626% | 1,379 |
| Equity capital to assets | 8.7616% | 5,454 |
| Core capital (leverage) ratio | 9.1543% | 4,896 |
| Tier 1 risk-based capital ratio | 13.8437% | 4,539 |
| Total risk-based capital ratio | 14.9417% | 4,589 |
| Memoranda: | ||
| Average total assets | $661,110,250 | 1,012 |
| Average earning assets | $603,364,500 | 1,022 |
| Average equity | $60,185,250 | 1,207 |
| Average total loans | $432,052,750 | 989 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 537 |
| Cost of funding earning assets | 0.3805% | 5,130 |
| Net interest margin | 4.9081% | 362 |
| Noninterest income to average assets | 0.5090% | 3,772 |
| Noninterest expense to average assets | 3.4257% | 1,773 |
| Loan and lease loss provision to assets | 0.0568% | 3,866 |
| Net operating income to assets | 0.9757% | 2,445 |
| Return on assets (ROA) | 1.1058% | 2,024 |
| Pretax return on assets | 1.6981% | 1,119 |
| Return on Equity (ROE) | 11.9913% | 1,493 |
| Retained earnings to average equity (ytd only) | 1.4030% | 5,319 |
| Net charge-offs to loans | 0.0080% | 4,725 |
| Credit loss provision to net charge-offs | 1,094.1176% | 278 |
| Earnings coverage of net charge-offs (x) | 299.7059% | 170 |
| Efficiency ratio | 68.7845% | 4,043 |
| Assets per employee ($millions) | 4.1412% | 3,492 |
| Cash dividends to net income (ytd only)* | 88.3002% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 5,293 |
| Loan loss allowance to noncurrent loans | 128.6788% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 1.8041% | 2,408 |
| Noncurrent loans to loans | 0.8836% | 4,158 |
| Net loans and leases to total assets | 64.7784% | 2,797 |
| Net loans and leases to deposits | 72.5578% | 3,369 |
| Net loans and leases to core deposits | 77.4145% | 3,368 |
| Total domestic deposits to total assets | 89.2783% | 1,463 |
| Equity capital to assets | 8.9407% | 5,280 |
| Core capital (leverage) ratio | 9.2670% | 4,599 |
| Tier 1 risk-based capital ratio | 14.1707% | 4,310 |
| Total risk-based capital ratio | 15.3306% | 4,328 |
| Memoranda: | ||
| Average total assets | $655,456,330 | 1,026 |
| Average earning assets | $597,139,330 | 1,034 |
| Average equity | $60,443,670 | 1,206 |
| Average total loans | $426,657,670 | 994 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2190% | 586 |
| Cost of funding earning assets | 0.3879% | 5,216 |
| Net interest margin | 4.8311% | 380 |
| Noninterest income to average assets | 0.4598% | 4,053 |
| Noninterest expense to average assets | 3.3413% | 1,982 |
| Loan and lease loss provision to assets | 0.0714% | 3,439 |
| Net operating income to assets | 0.9336% | 2,503 |
| Return on assets (ROA) | 0.9978% | 2,350 |
| Pretax return on assets | 1.5481% | 1,429 |
| Return on Equity (ROE) | 10.6540% | 1,811 |
| Retained earnings to average equity (ytd only) | 0.1380% | 5,736 |
| Net charge-offs to loans | 0.0285% | 3,629 |
| Credit loss provision to net charge-offs | 386.6667% | 654 |
| Earnings coverage of net charge-offs (x) | 82.2667% | 454 |
| Efficiency ratio | 68.7437% | 4,184 |
| Assets per employee ($millions) | 4.1483% | 3,630 |
| Cash dividends to net income (ytd only)* | 98.7045% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 5,368 |
| Loan loss allowance to noncurrent loans | 68.5089% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 2.3941% | 1,942 |
| Noncurrent loans to loans | 1.6933% | 3,004 |
| Net loans and leases to total assets | 63.4882% | 2,805 |
| Net loans and leases to deposits | 71.3215% | 3,277 |
| Net loans and leases to core deposits | 76.1954% | 3,296 |
| Total domestic deposits to total assets | 89.0170% | 1,674 |
| Equity capital to assets | 9.3039% | 5,125 |
| Core capital (leverage) ratio | 9.4022% | 4,234 |
| Tier 1 risk-based capital ratio | 14.6092% | 4,103 |
| Total risk-based capital ratio | 15.8032% | 4,101 |
| Memoranda: | ||
| Average total assets | $649,814,000 | 1,046 |
| Average earning assets | $591,918,500 | 1,051 |
| Average equity | $60,860,000 | 1,208 |
| Average total loans | $421,551,000 | 1,015 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4205% | 733 |
| Cost of funding earning assets | 0.5148% | 5,116 |
| Net interest margin | 4.9057% | 444 |
| Noninterest income to average assets | 0.4125% | 4,510 |
| Noninterest expense to average assets | 3.3366% | 2,235 |
| Loan and lease loss provision to assets | 0.0717% | 4,838 |
| Net operating income to assets | 0.9141% | 2,746 |
| Return on assets (ROA) | 0.9601% | 2,745 |
| Pretax return on assets | 1.4765% | 1,754 |
| Return on Equity (ROE) | 10.1661% | 2,101 |
| Retained earnings to average equity (ytd only) | 0.9227% | 5,409 |
| Net charge-offs to loans | 0.1775% | 3,953 |
| Credit loss provision to net charge-offs | 62.1622% | 4,387 |
| Earnings coverage of net charge-offs (x) | 12.8068% | 1,896 |
| Efficiency ratio | 69.3102% | 3,926 |
| Assets per employee ($millions) | 3.9042% | 4,146 |
| Cash dividends to net income (ytd only)* | 90.9239% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 5,402 |
| Loan loss allowance to noncurrent loans | 67.2083% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 2.5491% | 1,909 |
| Noncurrent loans to loans | 1.6913% | 3,085 |
| Net loans and leases to total assets | 64.7781% | 2,760 |
| Net loans and leases to deposits | 72.7560% | 3,290 |
| Net loans and leases to core deposits | 77.2804% | 3,361 |
| Total domestic deposits to total assets | 89.0348% | 1,542 |
| Equity capital to assets | 9.4287% | 4,964 |
| Core capital (leverage) ratio | 9.4601% | 4,169 |
| Tier 1 risk-based capital ratio | 14.5180% | 4,022 |
| Total risk-based capital ratio | 15.6752% | 4,031 |
| Memoranda: | ||
| Average total assets | $641,467,400 | 1,028 |
| Average earning assets | $575,535,800 | 1,051 |
| Average equity | $60,583,800 | 1,177 |
| Average total loans | $416,784,800 | 1,005 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 818 |
| Cost of funding earning assets | 0.5447% | 5,129 |
| Net interest margin | 4.8662% | 505 |
| Noninterest income to average assets | 0.4865% | 4,014 |
| Noninterest expense to average assets | 3.3323% | 2,178 |
| Loan and lease loss provision to assets | 0.0603% | 4,964 |
| Net operating income to assets | 0.9420% | 2,787 |
| Return on assets (ROA) | 0.9424% | 3,009 |
| Pretax return on assets | 1.4482% | 2,086 |
| Return on Equity (ROE) | 9.9736% | 2,360 |
| Retained earnings to average equity (ytd only) | 0.9447% | 5,793 |
| Net charge-offs to loans | 0.2015% | 3,521 |
| Credit loss provision to net charge-offs | 46.1783% | 4,490 |
| Earnings coverage of net charge-offs (x) | 11.5398% | 2,071 |
| Efficiency ratio | 68.8462% | 3,905 |
| Assets per employee ($millions) | 4.0164% | 3,835 |
| Cash dividends to net income (ytd only)* | 90.5276% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 5,596 |
| Loan loss allowance to noncurrent loans | 74.3296% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 2.7823% | 1,892 |
| Noncurrent loans to loans | 1.5191% | 3,507 |
| Net loans and leases to total assets | 64.9923% | 2,839 |
| Net loans and leases to deposits | 73.4102% | 3,384 |
| Net loans and leases to core deposits | 78.4447% | 3,401 |
| Total domestic deposits to total assets | 88.5331% | 1,704 |
| Equity capital to assets | 9.5726% | 5,105 |
| Core capital (leverage) ratio | 9.5027% | 4,267 |
| Tier 1 risk-based capital ratio | 14.7078% | 4,042 |
| Total risk-based capital ratio | 15.8704% | 4,072 |
| Memoranda: | ||
| Average total assets | $640,786,750 | 1,036 |
| Average earning assets | $573,305,750 | 1,057 |
| Average equity | $60,545,000 | 1,186 |
| Average total loans | $415,458,000 | 1,010 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2947% | 1,069 |
| Cost of funding earning assets | 0.5740% | 5,125 |
| Net interest margin | 4.7207% | 646 |
| Noninterest income to average assets | 0.5228% | 3,762 |
| Noninterest expense to average assets | 3.1962% | 2,603 |
| Loan and lease loss provision to assets | 0.0904% | 4,439 |
| Net operating income to assets | 0.9378% | 2,726 |
| Return on assets (ROA) | 0.9384% | 2,983 |
| Pretax return on assets | 1.4419% | 2,045 |
| Return on Equity (ROE) | 9.9753% | 2,363 |
| Retained earnings to average equity (ytd only) | 1.3588% | 5,514 |
| Net charge-offs to loans | 0.2628% | 3,004 |
| Credit loss provision to net charge-offs | 53.3088% | 3,969 |
| Earnings coverage of net charge-offs (x) | 9.0294% | 2,211 |
| Efficiency ratio | 67.6075% | 4,210 |
| Assets per employee ($millions) | 3.9523% | 3,975 |
| Cash dividends to net income (ytd only)* | 86.3787% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 5,521 |
| Loan loss allowance to noncurrent loans | 58.7863% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 3.0865% | 1,776 |
| Noncurrent loans to loans | 1.9769% | 2,969 |
| Net loans and leases to total assets | 63.6842% | 3,110 |
| Net loans and leases to deposits | 71.6909% | 3,655 |
| Net loans and leases to core deposits | 76.8876% | 3,669 |
| Total domestic deposits to total assets | 88.8316% | 1,618 |
| Equity capital to assets | 9.4017% | 5,193 |
| Core capital (leverage) ratio | 9.5088% | 4,128 |
| Tier 1 risk-based capital ratio | 14.5093% | 4,096 |
| Total risk-based capital ratio | 15.6782% | 4,118 |
| Memoranda: | ||
| Average total assets | $641,511,000 | 1,036 |
| Average earning assets | $571,397,330 | 1,059 |
| Average equity | $60,349,330 | 1,184 |
| Average total loans | $414,014,000 | 1,016 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3806% | 939 |
| Cost of funding earning assets | 0.5950% | 5,177 |
| Net interest margin | 4.7856% | 582 |
| Noninterest income to average assets | 0.5699% | 3,425 |
| Noninterest expense to average assets | 3.2798% | 2,352 |
| Loan and lease loss provision to assets | 0.1375% | 3,633 |
| Net operating income to assets | 0.9181% | 2,836 |
| Return on assets (ROA) | 0.9185% | 3,046 |
| Pretax return on assets | 1.4253% | 2,104 |
| Return on Equity (ROE) | 9.7610% | 2,486 |
| Retained earnings to average equity (ytd only) | 1.7928% | 5,350 |
| Net charge-offs to loans | 0.2709% | 2,586 |
| Credit loss provision to net charge-offs | 78.5714% | 2,747 |
| Earnings coverage of net charge-offs (x) | 8.9286% | 1,899 |
| Efficiency ratio | 67.7378% | 4,218 |
| Assets per employee ($millions) | 4.4830% | 3,026 |
| Cash dividends to net income (ytd only)* | 81.6327% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 5,368 |
| Loan loss allowance to noncurrent loans | 82.6416% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 2.7574% | 2,127 |
| Noncurrent loans to loans | 1.4855% | 3,890 |
| Net loans and leases to total assets | 62.9792% | 3,048 |
| Net loans and leases to deposits | 70.8532% | 3,607 |
| Net loans and leases to core deposits | 76.3290% | 3,580 |
| Total domestic deposits to total assets | 88.8869% | 1,767 |
| Equity capital to assets | 9.4073% | 4,949 |
| Core capital (leverage) ratio | 9.5645% | 3,966 |
| Tier 1 risk-based capital ratio | 14.5862% | 4,031 |
| Total risk-based capital ratio | 15.8078% | 4,017 |
| Memoranda: | ||
| Average total assets | $640,153,500 | 1,034 |
| Average earning assets | $571,462,000 | 1,065 |
| Average equity | $60,240,000 | 1,181 |
| Average total loans | $413,474,000 | 1,014 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2566% | 1,845 |
| Cost of funding earning assets | 0.7892% | 4,944 |
| Net interest margin | 4.4673% | 1,214 |
| Noninterest income to average assets | 0.5313% | 3,641 |
| Noninterest expense to average assets | 3.2288% | 2,773 |
| Loan and lease loss provision to assets | 0.0654% | 5,792 |
| Net operating income to assets | 0.7877% | 3,095 |
| Return on assets (ROA) | 0.8722% | 2,869 |
| Pretax return on assets | 1.3269% | 2,030 |
| Return on Equity (ROE) | 9.3157% | 2,319 |
| Retained earnings to average equity (ytd only) | 2.4622% | 4,467 |
| Net charge-offs to loans | 0.3461% | 3,670 |
| Credit loss provision to net charge-offs | 29.1086% | 5,797 |
| Earnings coverage of net charge-offs (x) | 5.6253% | 2,732 |
| Efficiency ratio | 71.8615% | 3,600 |
| Assets per employee ($millions) | 3.9953% | 3,862 |
| Cash dividends to net income (ytd only)* | 73.5690% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 5,323 |
| Loan loss allowance to noncurrent loans | 67.9695% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 2.9443% | 2,040 |
| Noncurrent loans to loans | 1.7865% | 3,487 |
| Net loans and leases to total assets | 64.6257% | 3,053 |
| Net loans and leases to deposits | 72.9533% | 3,675 |
| Net loans and leases to core deposits | 78.1928% | 3,663 |
| Total domestic deposits to total assets | 88.5849% | 1,795 |
| Equity capital to assets | 9.4132% | 5,005 |
| Core capital (leverage) ratio | 9.5501% | 3,945 |
| Tier 1 risk-based capital ratio | 14.3355% | 4,087 |
| Total risk-based capital ratio | 15.5563% | 4,068 |
| Memoranda: | ||
| Average total assets | $638,942,200 | 1,014 |
| Average earning assets | $566,623,600 | 1,046 |
| Average equity | $59,823,800 | 1,127 |
| Average total loans | $414,871,200 | 1,012 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1695% | 2,312 |
| Cost of funding earning assets | 0.8307% | 4,940 |
| Net interest margin | 4.3388% | 1,588 |
| Noninterest income to average assets | 0.5727% | 3,363 |
| Noninterest expense to average assets | 3.1563% | 2,972 |
| Loan and lease loss provision to assets | 0.0457% | 5,870 |
| Net operating income to assets | 0.7919% | 3,204 |
| Return on assets (ROA) | 0.9024% | 2,871 |
| Pretax return on assets | 1.3772% | 2,019 |
| Return on Equity (ROE) | 9.6510% | 2,328 |
| Retained earnings to average equity (ytd only) | 4.5175% | 3,503 |
| Net charge-offs to loans | 0.2637% | 3,794 |
| Credit loss provision to net charge-offs | 26.7399% | 5,465 |
| Earnings coverage of net charge-offs (x) | 7.3456% | 2,374 |
| Efficiency ratio | 71.5421% | 3,648 |
| Assets per employee ($millions) | 4.2652% | 3,339 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 4,969 |
| Loan loss allowance to noncurrent loans | 59.8302% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 3.4197% | 1,847 |
| Noncurrent loans to loans | 2.1884% | 3,127 |
| Net loans and leases to total assets | 65.1856% | 3,067 |
| Net loans and leases to deposits | 73.5212% | 3,720 |
| Net loans and leases to core deposits | 78.9525% | 3,781 |
| Total domestic deposits to total assets | 88.6623% | 1,653 |
| Equity capital to assets | 9.5997% | 4,938 |
| Core capital (leverage) ratio | 9.4819% | 4,174 |
| Tier 1 risk-based capital ratio | 14.2299% | 4,178 |
| Total risk-based capital ratio | 15.4805% | 4,140 |
| Memoranda: | ||
| Average total assets | $638,867,000 | 1,021 |
| Average earning assets | $565,304,000 | 1,057 |
| Average equity | $59,736,500 | 1,136 |
| Average total loans | $414,040,750 | 1,022 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0022% | 3,143 |
| Cost of funding earning assets | 0.8574% | 5,002 |
| Net interest margin | 4.1447% | 2,246 |
| Noninterest income to average assets | 0.5563% | 3,424 |
| Noninterest expense to average assets | 3.1445% | 3,101 |
| Loan and lease loss provision to assets | 0.0219% | 6,016 |
| Net operating income to assets | 0.7128% | 3,478 |
| Return on assets (ROA) | 0.7619% | 3,371 |
| Pretax return on assets | 1.1547% | 2,655 |
| Return on Equity (ROE) | 8.2208% | 2,852 |
| Retained earnings to average equity (ytd only) | 4.5117% | 3,320 |
| Net charge-offs to loans | 0.1145% | 4,560 |
| Credit loss provision to net charge-offs | 29.6610% | 4,998 |
| Earnings coverage of net charge-offs (x) | 14.9449% | 1,443 |
| Efficiency ratio | 74.0452% | 3,355 |
| Assets per employee ($millions) | 4.0677% | 3,612 |
| Cash dividends to net income (ytd only)* | 45.1189% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 4,482 |
| Loan loss allowance to noncurrent loans | 51.2577% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 3.6597% | 1,787 |
| Noncurrent loans to loans | 2.7675% | 2,631 |
| Net loans and leases to total assets | 63.7159% | 3,528 |
| Net loans and leases to deposits | 71.5141% | 4,200 |
| Net loans and leases to core deposits | 77.2329% | 4,158 |
| Total domestic deposits to total assets | 89.0956% | 1,480 |
| Equity capital to assets | 9.3506% | 5,078 |
| Core capital (leverage) ratio | 9.3037% | 4,247 |
| Tier 1 risk-based capital ratio | 12.9920% | 4,920 |
| Total risk-based capital ratio | 14.2426% | 4,902 |
| Memoranda: | ||
| Average total assets | $639,983,000 | 1,027 |
| Average earning assets | $569,834,670 | 1,056 |
| Average equity | $59,312,670 | 1,132 |
| Average total loans | $412,133,330 | 1,039 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0047% | 3,092 |
| Cost of funding earning assets | 0.8737% | 5,102 |
| Net interest margin | 4.1311% | 2,151 |
| Noninterest income to average assets | 0.4870% | 3,996 |
| Noninterest expense to average assets | 3.0211% | 3,552 |
| Loan and lease loss provision to assets | 0.0440% | 5,448 |
| Net operating income to assets | 0.7314% | 3,372 |
| Return on assets (ROA) | 0.7314% | 3,439 |
| Pretax return on assets | 1.1210% | 2,678 |
| Return on Equity (ROE) | 7.9277% | 2,946 |
| Retained earnings to average equity (ytd only) | 7.9277% | 1,766 |
| Net charge-offs to loans | 0.1134% | 3,849 |
| Credit loss provision to net charge-offs | 60.3448% | 3,540 |
| Earnings coverage of net charge-offs (x) | 15.9828% | 1,290 |
| Efficiency ratio | 72.1705% | 3,826 |
| Assets per employee ($millions) | 4.3601% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 4,245 |
| Loan loss allowance to noncurrent loans | 62.9487% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 3.4926% | 1,952 |
| Noncurrent loans to loans | 2.3723% | 3,115 |
| Net loans and leases to total assets | 61.8441% | 3,888 |
| Net loans and leases to deposits | 69.5746% | 4,416 |
| Net loans and leases to core deposits | 75.1853% | 4,399 |
| Total domestic deposits to total assets | 88.8889% | 1,845 |
| Equity capital to assets | 9.2188% | 4,847 |
| Core capital (leverage) ratio | 9.4281% | 3,916 |
| Tier 1 risk-based capital ratio | 13.0708% | 4,775 |
| Total risk-based capital ratio | 14.3218% | 4,752 |
| Memoranda: | ||
| Average total assets | $636,590,500 | 1,048 |
| Average earning assets | $570,019,500 | 1,070 |
| Average equity | $58,730,500 | 1,129 |
| Average total loans | $409,188,000 | 1,064 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 3,492 |
| Cost of funding earning assets | 1.1402% | 4,909 |
| Net interest margin | 4.0835% | 2,645 |
| Noninterest income to average assets | 0.5759% | 3,617 |
| Noninterest expense to average assets | 2.8599% | 4,375 |
| Loan and lease loss provision to assets | 0.1405% | 5,778 |
| Net operating income to assets | 0.8097% | 2,753 |
| Return on assets (ROA) | 0.8652% | 2,672 |
| Pretax return on assets | 1.3169% | 1,893 |
| Return on Equity (ROE) | 9.9439% | 1,949 |
| Retained earnings to average equity (ytd only) | 9.9439% | 536 |
| Net charge-offs to loans | 0.3214% | 4,410 |
| Credit loss provision to net charge-offs | 65.8376% | 5,964 |
| Earnings coverage of net charge-offs (x) | 6.4367% | 2,359 |
| Efficiency ratio | 67.5601% | 4,655 |
| Assets per employee ($millions) | 4.1582% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 4,153 |
| Loan loss allowance to noncurrent loans | 156.1076% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 2.2202% | 3,070 |
| Noncurrent loans to loans | 0.9450% | 5,158 |
| Net loans and leases to total assets | 64.8451% | 3,700 |
| Net loans and leases to deposits | 72.7934% | 4,381 |
| Net loans and leases to core deposits | 78.3556% | 4,414 |
| Total domestic deposits to total assets | 89.0811% | 1,607 |
| Equity capital to assets | 9.2330% | 4,786 |
| Core capital (leverage) ratio | 9.3086% | 3,995 |
| Tier 1 risk-based capital ratio | 12.7676% | 4,799 |
| Total risk-based capital ratio | 14.0188% | 4,769 |
| Memoranda: | ||
| Average total assets | $640,752,800 | 1,044 |
| Average earning assets | $573,871,200 | 1,050 |
| Average equity | $55,752,600 | 1,195 |
| Average total loans | $425,373,600 | 1,048 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1126% | 4,251 |
| Cost of funding earning assets | 1.1911% | 4,909 |
| Net interest margin | 3.9215% | 3,441 |
| Noninterest income to average assets | 0.5892% | 3,509 |
| Noninterest expense to average assets | 2.7137% | 4,821 |
| Loan and lease loss provision to assets | 0.1863% | 5,177 |
| Net operating income to assets | 0.7840% | 3,067 |
| Return on assets (ROA) | 0.8524% | 2,933 |
| Pretax return on assets | 1.3042% | 2,156 |
| Return on Equity (ROE) | 9.9446% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.9446% | 810 |
| Net charge-offs to loans | 0.3053% | 4,141 |
| Credit loss provision to net charge-offs | 91.7431% | 4,702 |
| Earnings coverage of net charge-offs (x) | 6.8206% | 2,447 |
| Efficiency ratio | 66.2037% | 4,817 |
| Assets per employee ($millions) | 4.6110% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 3,764 |
| Loan loss allowance to noncurrent loans | 155.8173% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 2.4265% | 2,944 |
| Noncurrent loans to loans | 0.9898% | 5,256 |
| Net loans and leases to total assets | 65.0288% | 3,904 |
| Net loans and leases to deposits | 73.6659% | 4,569 |
| Net loans and leases to core deposits | 79.3410% | 4,610 |
| Total domestic deposits to total assets | 88.2753% | 1,817 |
| Equity capital to assets | 9.0469% | 5,515 |
| Core capital (leverage) ratio | 8.9004% | 4,848 |
| Tier 1 risk-based capital ratio | 12.3542% | 5,115 |
| Total risk-based capital ratio | 13.6063% | 5,088 |
| Memoranda: | ||
| Average total assets | $643,970,750 | 1,048 |
| Average earning assets | $576,360,250 | 1,055 |
| Average equity | $55,197,750 | 1,210 |
| Average total loans | $428,405,500 | 1,052 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0572% | 4,669 |
| Cost of funding earning assets | 1.2307% | 4,954 |
| Net interest margin | 3.8265% | 3,781 |
| Noninterest income to average assets | 0.5983% | 3,345 |
| Noninterest expense to average assets | 2.5626% | 5,486 |
| Loan and lease loss provision to assets | 0.1856% | 5,016 |
| Net operating income to assets | 0.8411% | 2,773 |
| Return on assets (ROA) | 0.8411% | 2,928 |
| Pretax return on assets | 1.2847% | 2,140 |
| Return on Equity (ROE) | 9.9949% | 2,107 |
| Retained earnings to average equity (ytd only) | 9.9949% | 847 |
| Net charge-offs to loans | 0.4245% | 3,298 |
| Credit loss provision to net charge-offs | 65.5738% | 5,084 |
| Earnings coverage of net charge-offs (x) | 5.1945% | 2,727 |
| Efficiency ratio | 63.5422% | 5,426 |
| Assets per employee ($millions) | 5.0383% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 4,046 |
| Loan loss allowance to noncurrent loans | 188.1928% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 2.3615% | 3,061 |
| Noncurrent loans to loans | 0.7829% | 5,710 |
| Net loans and leases to total assets | 64.7862% | 4,095 |
| Net loans and leases to deposits | 73.0678% | 4,823 |
| Net loans and leases to core deposits | 79.4448% | 4,748 |
| Total domestic deposits to total assets | 88.6658% | 1,631 |
| Equity capital to assets | 8.7336% | 5,838 |
| Core capital (leverage) ratio | 8.5877% | 5,256 |
| Tier 1 risk-based capital ratio | 11.8238% | 5,464 |
| Total risk-based capital ratio | 13.0750% | 5,436 |
| Memoranda: | ||
| Average total assets | $646,522,670 | 1,049 |
| Average earning assets | $580,316,000 | 1,057 |
| Average equity | $54,408,000 | 1,219 |
| Average total loans | $431,117,330 | 1,056 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 5,421 |
| Cost of funding earning assets | 1.2537% | 5,092 |
| Net interest margin | 3.6555% | 4,460 |
| Noninterest income to average assets | 0.5524% | 3,635 |
| Noninterest expense to average assets | 2.6255% | 5,248 |
| Loan and lease loss provision to assets | 0.0463% | 6,204 |
| Net operating income to assets | 0.7656% | 3,133 |
| Return on assets (ROA) | 0.7656% | 3,247 |
| Pretax return on assets | 1.1722% | 2,467 |
| Return on Equity (ROE) | 9.2721% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.2721% | 1,328 |
| Net charge-offs to loans | 0.8586% | 1,823 |
| Credit loss provision to net charge-offs | 8.0386% | 5,068 |
| Earnings coverage of net charge-offs (x) | 2.1136% | 3,482 |
| Efficiency ratio | 68.3009% | 4,659 |
| Assets per employee ($millions) | 5.0333% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 4,736 |
| Loan loss allowance to noncurrent loans | 109.5640% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 2.8100% | 2,588 |
| Noncurrent loans to loans | 1.2229% | 4,927 |
| Net loans and leases to total assets | 64.7008% | 4,169 |
| Net loans and leases to deposits | 73.0693% | 4,893 |
| Net loans and leases to core deposits | 79.7276% | 4,791 |
| Total domestic deposits to total assets | 88.5472% | 1,763 |
| Equity capital to assets | 8.3354% | 6,251 |
| Core capital (leverage) ratio | 8.4090% | 5,544 |
| Tier 1 risk-based capital ratio | 11.2314% | 5,921 |
| Total risk-based capital ratio | 12.4232% | 5,946 |
| Memoranda: | ||
| Average total assets | $647,335,500 | 1,066 |
| Average earning assets | $582,895,000 | 1,071 |
| Average equity | $53,450,500 | 1,249 |
| Average total loans | $434,650,000 | 1,073 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3648% | 4,863 |
| Cost of funding earning assets | 1.6488% | 4,802 |
| Net interest margin | 3.7159% | 4,062 |
| Noninterest income to average assets | 0.7240% | 2,827 |
| Noninterest expense to average assets | 2.7184% | 5,304 |
| Loan and lease loss provision to assets | 0.5936% | 3,423 |
| Net operating income to assets | 0.5448% | 3,552 |
| Return on assets (ROA) | 0.6541% | 3,171 |
| Pretax return on assets | 0.9756% | 2,671 |
| Return on Equity (ROE) | 8.0600% | 2,343 |
| Retained earnings to average equity (ytd only) | -0.5368% | 5,119 |
| Net charge-offs to loans | 0.4076% | 4,185 |
| Credit loss provision to net charge-offs | 207.7591% | 1,851 |
| Earnings coverage of net charge-offs (x) | 4.9213% | 2,753 |
| Efficiency ratio | 65.9087% | 5,407 |
| Assets per employee ($millions) | 4.7454% | 2,547 |
| Cash dividends to net income (ytd only)* | 106.6603% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 3,839 |
| Loan loss allowance to noncurrent loans | 41.0752% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 3.7432% | 1,780 |
| Noncurrent loans to loans | 3.6027% | 2,097 |
| Net loans and leases to total assets | 67.7020% | 3,767 |
| Net loans and leases to deposits | 76.3539% | 4,676 |
| Net loans and leases to core deposits | 103.1096% | 3,675 |
| Total domestic deposits to total assets | 88.6687% | 1,647 |
| Equity capital to assets | 8.1781% | 6,365 |
| Core capital (leverage) ratio | 8.1549% | 5,897 |
| Tier 1 risk-based capital ratio | 10.6578% | 6,245 |
| Total risk-based capital ratio | 11.9078% | 6,219 |
| Memoranda: | ||
| Average total assets | $645,049,800 | 1,074 |
| Average earning assets | $590,297,200 | 1,064 |
| Average equity | $52,344,600 | 1,268 |
| Average total loans | $452,104,800 | 1,060 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4263% | 4,817 |
| Cost of funding earning assets | 1.7300% | 4,743 |
| Net interest margin | 3.6962% | 4,090 |
| Noninterest income to average assets | 0.7570% | 2,666 |
| Noninterest expense to average assets | 2.6946% | 5,353 |
| Loan and lease loss provision to assets | 0.3122% | 4,477 |
| Net operating income to assets | 0.7588% | 2,989 |
| Return on assets (ROA) | 0.7750% | 2,980 |
| Pretax return on assets | 1.1647% | 2,370 |
| Return on Equity (ROE) | 9.5692% | 2,074 |
| Retained earnings to average equity (ytd only) | -1.9169% | 5,705 |
| Net charge-offs to loans | 0.4558% | 3,409 |
| Credit loss provision to net charge-offs | 97.2312% | 5,254 |
| Earnings coverage of net charge-offs (x) | 4.5248% | 3,108 |
| Efficiency ratio | 64.9736% | 5,554 |
| Assets per employee ($millions) | 4.7963% | 2,402 |
| Cash dividends to net income (ytd only)* | 120.0320% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,208 |
| Loan loss allowance to noncurrent loans | 63.9222% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 2.4117% | 2,853 |
| Noncurrent loans to loans | 1.5836% | 4,263 |
| Net loans and leases to total assets | 68.4737% | 3,850 |
| Net loans and leases to deposits | 77.2698% | 4,847 |
| Net loans and leases to core deposits | 103.9621% | 3,941 |
| Total domestic deposits to total assets | 88.6164% | 1,382 |
| Equity capital to assets | 8.2119% | 6,626 |
| Core capital (leverage) ratio | 8.1737% | 6,063 |
| Tier 1 risk-based capital ratio | 10.1428% | 6,837 |
| Total risk-based capital ratio | 11.0266% | 7,123 |
| Memoranda: | ||
| Average total assets | $644,967,000 | 1,088 |
| Average earning assets | $591,578,000 | 1,080 |
| Average equity | $52,235,750 | 1,289 |
| Average total loans | $454,256,250 | 1,072 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 4,730 |
| Cost of funding earning assets | 1.8384% | 4,563 |
| Net interest margin | 3.6426% | 4,206 |
| Noninterest income to average assets | 0.6111% | 3,596 |
| Noninterest expense to average assets | 2.5694% | 5,860 |
| Loan and lease loss provision to assets | 0.2341% | 4,716 |
| Net operating income to assets | 0.7446% | 3,071 |
| Return on assets (ROA) | 0.7446% | 3,176 |
| Pretax return on assets | 1.1513% | 2,459 |
| Return on Equity (ROE) | 9.2366% | 2,275 |
| Retained earnings to average equity (ytd only) | -8.0965% | 6,677 |
| Net charge-offs to loans | 0.1078% | 5,082 |
| Credit loss provision to net charge-offs | 306.5041% | 1,515 |
| Earnings coverage of net charge-offs (x) | 18.1382% | 1,428 |
| Efficiency ratio | 64.9682% | 5,726 |
| Assets per employee ($millions) | 4.5891% | 2,628 |
| Cash dividends to net income (ytd only)* | 187.6564% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 5,433 |
| Loan loss allowance to noncurrent loans | 111.4398% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 4,390 |
| Noncurrent loans to loans | 1.0087% | 5,188 |
| Net loans and leases to total assets | 69.6212% | 3,788 |
| Net loans and leases to deposits | 78.4294% | 4,797 |
| Net loans and leases to core deposits | 107.8624% | 3,626 |
| Total domestic deposits to total assets | 88.7692% | 1,396 |
| Equity capital to assets | 8.0716% | 6,662 |
| Core capital (leverage) ratio | 7.9278% | 6,445 |
| Tier 1 risk-based capital ratio | 9.8588% | 7,076 |
| Total risk-based capital ratio | 10.8481% | 7,267 |
| Memoranda: | ||
| Average total assets | $644,122,330 | 1,110 |
| Average earning assets | $591,276,670 | 1,097 |
| Average equity | $51,923,670 | 1,309 |
| Average total loans | $456,374,330 | 1,094 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 5,203 |
| Cost of funding earning assets | 1.9437% | 4,408 |
| Net interest margin | 3.5008% | 4,736 |
| Noninterest income to average assets | 0.4366% | 4,898 |
| Noninterest expense to average assets | 2.4356% | 6,072 |
| Loan and lease loss provision to assets | 0.1185% | 5,451 |
| Net operating income to assets | 0.7232% | 3,450 |
| Return on assets (ROA) | 0.7232% | 3,646 |
| Pretax return on assets | 1.0953% | 3,001 |
| Return on Equity (ROE) | 8.9767% | 2,731 |
| Retained earnings to average equity (ytd only) | -25.6676% | 7,779 |
| Net charge-offs to loans | 0.0506% | 4,764 |
| Credit loss provision to net charge-offs | 329.3103% | 1,511 |
| Earnings coverage of net charge-offs (x) | 33.7414% | 975 |
| Efficiency ratio | 66.7403% | 5,187 |
| Assets per employee ($millions) | 4.7775% | 2,324 |
| Cash dividends to net income (ytd only)* | 385.9348% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 5,865 |
| Loan loss allowance to noncurrent loans | 81.3893% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.4134% | 3,823 |
| Noncurrent loans to loans | 1.2781% | 4,423 |
| Net loans and leases to total assets | 69.4702% | 3,801 |
| Net loans and leases to deposits | 78.0372% | 4,917 |
| Net loans and leases to core deposits | 107.3668% | 3,758 |
| Total domestic deposits to total assets | 89.0219% | 1,222 |
| Equity capital to assets | 7.8178% | 7,037 |
| Core capital (leverage) ratio | 7.7022% | 6,884 |
| Tier 1 risk-based capital ratio | 9.8179% | 7,124 |
| Total risk-based capital ratio | 10.7533% | 7,371 |
| Memoranda: | ||
| Average total assets | $644,945,000 | 1,102 |
| Average earning assets | $591,859,500 | 1,095 |
| Average equity | $51,956,500 | 1,317 |
| Average total loans | $458,369,000 | 1,097 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3069% | 3,927 |
| Cost of funding earning assets | 2.6115% | 3,628 |
| Net interest margin | 3.6954% | 4,491 |
| Noninterest income to average assets | 0.4847% | 4,754 |
| Noninterest expense to average assets | 2.4968% | 6,021 |
| Loan and lease loss provision to assets | 0.0855% | 6,318 |
| Net operating income to assets | 0.8204% | 3,348 |
| Return on assets (ROA) | 0.8699% | 2,983 |
| Pretax return on assets | 1.3256% | 2,221 |
| Return on Equity (ROE) | 11.2549% | 1,824 |
| Retained earnings to average equity (ytd only) | 6.3538% | 1,379 |
| Net charge-offs to loans | 0.1855% | 4,346 |
| Credit loss provision to net charge-offs | 68.6131% | 6,092 |
| Earnings coverage of net charge-offs (x) | 10.7263% | 2,467 |
| Efficiency ratio | 65.1419% | 5,291 |
| Assets per employee ($millions) | 4.8129% | 2,164 |
| Cash dividends to net income (ytd only)* | 43.5464% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 6,170 |
| Loan loss allowance to noncurrent loans | 177.6096% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.9279% | 4,508 |
| Noncurrent loans to loans | 0.5554% | 5,698 |
| Net loans and leases to total assets | 71.2319% | 3,740 |
| Net loans and leases to deposits | 81.6575% | 4,772 |
| Net loans and leases to core deposits | 112.3093% | 3,532 |
| Total domestic deposits to total assets | 87.2326% | 1,820 |
| Equity capital to assets | 8.2942% | 6,432 |
| Core capital (leverage) ratio | 8.3257% | 5,906 |
| Tier 1 risk-based capital ratio | 10.3598% | 6,354 |
| Total risk-based capital ratio | 11.2586% | 6,607 |
| Memoranda: | ||
| Average total assets | $659,932,200 | 1,016 |
| Average earning assets | $597,898,800 | 1,021 |
| Average equity | $51,009,000 | 1,324 |
| Average total loans | $443,189,200 | 1,085 |