Home > Forcht Bank > Performance and Condition Ratios
Forcht Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1960% | 3,630 |
| Cost of funding earning assets | 1.0151% | 3,260 |
| Net interest margin | 3.1809% | 2,921 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 3.0244% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4312% | 3,805 |
| Return on assets (ROA) | 0.3879% | 3,888 |
| Pretax return on assets | 0.4396% | 3,907 |
| Return on Equity (ROE) | 4.5300% | 3,806 |
| Retained earnings to average equity (ytd only) | 0.6713% | 3,911 |
| Net charge-offs to loans | 0.0081% | 2,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 90.2317% | 954 |
| Efficiency ratio | 85.6297% | 581 |
| Assets per employee ($millions) | 6.0014% | 2,825 |
| Cash dividends to net income (ytd only)* | 85.1789% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 2,074 |
| Loan loss allowance to noncurrent loans | 625.7075% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 2,600 |
| Noncurrent loans to loans | 0.1980% | 2,522 |
| Net loans and leases to total assets | 68.8500% | 1,938 |
| Net loans and leases to deposits | 81.3342% | 2,004 |
| Net loans and leases to core deposits | 84.8497% | 2,389 |
| Total domestic deposits to total assets | 84.6400% | 2,422 |
| Equity capital to assets | 8.6415% | 2,939 |
| Core capital (leverage) ratio | 8.4853% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7616% | 1,950 |
| Memoranda: | ||
| Average total assets | $1,513,438,400 | 714 |
| Average earning assets | $1,353,428,000 | 723 |
| Average equity | $129,590,600 | 765 |
| Average total loans | $1,013,897,600 | 716 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1199% | 3,625 |
| Cost of funding earning assets | 0.8568% | 3,382 |
| Net interest margin | 3.2631% | 2,768 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 3.0386% | 1,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4731% | 3,818 |
| Return on assets (ROA) | 0.4764% | 3,816 |
| Pretax return on assets | 0.5553% | 3,815 |
| Return on Equity (ROE) | 5.5800% | 3,718 |
| Retained earnings to average equity (ytd only) | 1.4358% | 3,857 |
| Net charge-offs to loans | 0.0185% | 1,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 44.8633% | 1,378 |
| Efficiency ratio | 84.1934% | 601 |
| Assets per employee ($millions) | 5.7279% | 2,988 |
| Cash dividends to net income (ytd only)* | 74.2528% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 1,961 |
| Loan loss allowance to noncurrent loans | 429.8080% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 2,263 |
| Noncurrent loans to loans | 0.2979% | 2,168 |
| Net loans and leases to total assets | 66.8400% | 2,171 |
| Net loans and leases to deposits | 79.0075% | 2,142 |
| Net loans and leases to core deposits | 82.2082% | 2,452 |
| Total domestic deposits to total assets | 84.6000% | 2,622 |
| Equity capital to assets | 8.0412% | 3,029 |
| Core capital (leverage) ratio | 8.7027% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1389% | 1,841 |
| Memoranda: | ||
| Average total assets | $1,507,707,750 | 719 |
| Average earning assets | $1,350,419,750 | 725 |
| Average equity | $128,797,000 | 767 |
| Average total loans | $999,628,250 | 726 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 3,655 |
| Cost of funding earning assets | 0.7070% | 3,467 |
| Net interest margin | 3.3089% | 2,729 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.0507% | 965 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4878% | 3,831 |
| Return on assets (ROA) | 0.4927% | 3,833 |
| Pretax return on assets | 0.5753% | 3,840 |
| Return on Equity (ROE) | 5.6600% | 3,765 |
| Retained earnings to average equity (ytd only) | 1.0711% | 3,899 |
| Net charge-offs to loans | 0.0166% | 1,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 52.1829% | 1,270 |
| Efficiency ratio | 83.8212% | 607 |
| Assets per employee ($millions) | 5.4749% | 3,172 |
| Cash dividends to net income (ytd only)* | 81.0592% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 1,852 |
| Loan loss allowance to noncurrent loans | 387.3832% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 2,039 |
| Noncurrent loans to loans | 0.3402% | 1,910 |
| Net loans and leases to total assets | 66.4600% | 2,106 |
| Net loans and leases to deposits | 76.7555% | 2,237 |
| Net loans and leases to core deposits | 79.2909% | 2,522 |
| Total domestic deposits to total assets | 86.5800% | 2,068 |
| Equity capital to assets | 8.6430% | 2,752 |
| Core capital (leverage) ratio | 8.7085% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7396% | 1,641 |
| Memoranda: | ||
| Average total assets | $1,502,399,667 | 708 |
| Average earning assets | $1,350,725,667 | 713 |
| Average equity | $130,890,000 | 752 |
| Average total loans | $988,979,000 | 717 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 3,668 |
| Cost of funding earning assets | 0.5817% | 3,435 |
| Net interest margin | 3.3194% | 2,833 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 3.0008% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5297% | 3,831 |
| Return on assets (ROA) | 0.5354% | 3,782 |
| Pretax return on assets | 0.6275% | 3,798 |
| Return on Equity (ROE) | 6.1200% | 3,692 |
| Retained earnings to average equity (ytd only) | 3.0848% | 3,485 |
| Net charge-offs to loans | 0.0086% | 1,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 111.3333% | 736 |
| Efficiency ratio | 82.4168% | 681 |
| Assets per employee ($millions) | 5.4358% | 3,287 |
| Cash dividends to net income (ytd only)* | 49.6032% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 1,884 |
| Loan loss allowance to noncurrent loans | 540.3487% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 2,365 |
| Noncurrent loans to loans | 0.2467% | 2,263 |
| Net loans and leases to total assets | 65.2600% | 2,133 |
| Net loans and leases to deposits | 74.5925% | 2,252 |
| Net loans and leases to core deposits | 76.1581% | 2,517 |
| Total domestic deposits to total assets | 87.4800% | 2,097 |
| Equity capital to assets | 8.8109% | 2,657 |
| Core capital (leverage) ratio | 8.7343% | 3,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7038% | 1,720 |
| Memoranda: | ||
| Average total assets | $1,506,279,000 | 721 |
| Average earning assets | $1,352,666,000 | 727 |
| Average equity | $131,744,000 | 747 |
| Average total loans | $980,190,500 | 738 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5379% | 2,978 |
| Cost of funding earning assets | 0.2548% | 3,283 |
| Net interest margin | 3.2832% | 2,613 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.8585% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6590% | 3,737 |
| Return on assets (ROA) | 0.6634% | 3,675 |
| Pretax return on assets | 0.7630% | 3,711 |
| Return on Equity (ROE) | 7.0600% | 3,627 |
| Retained earnings to average equity (ytd only) | 2.8240% | 3,774 |
| Net charge-offs to loans | 0.0081% | 2,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 158.7361% | 761 |
| Efficiency ratio | 78.5987% | 815 |
| Assets per employee ($millions) | 5.4596% | 3,262 |
| Cash dividends to net income (ytd only)* | 59.9760% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,067 |
| Loan loss allowance to noncurrent loans | 348.0926% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 2,195 |
| Noncurrent loans to loans | 0.3055% | 2,047 |
| Net loans and leases to total assets | 63.3200% | 2,303 |
| Net loans and leases to deposits | 73.4933% | 2,294 |
| Net loans and leases to core deposits | 74.8416% | 2,507 |
| Total domestic deposits to total assets | 86.1600% | 2,680 |
| Equity capital to assets | 8.6813% | 2,575 |
| Core capital (leverage) ratio | 8.6580% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8296% | 1,683 |
| Memoranda: | ||
| Average total assets | $1,507,933,000 | 695 |
| Average earning assets | $1,358,962,600 | 705 |
| Average equity | $141,784,800 | 706 |
| Average total loans | $886,834,400 | 757 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4333% | 2,824 |
| Cost of funding earning assets | 0.2050% | 3,212 |
| Net interest margin | 3.2283% | 2,537 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.8254% | 1,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6574% | 3,676 |
| Return on assets (ROA) | 0.6575% | 3,634 |
| Pretax return on assets | 0.7544% | 3,681 |
| Return on Equity (ROE) | 6.8600% | 3,619 |
| Retained earnings to average equity (ytd only) | 2.7137% | 3,857 |
| Net charge-offs to loans | 0.0147% | 1,578 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 88.9583% | 999 |
| Efficiency ratio | 78.4821% | 875 |
| Assets per employee ($millions) | 5.7082% | 3,028 |
| Cash dividends to net income (ytd only)* | 60.4514% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 2,983 |
| Loan loss allowance to noncurrent loans | 404.7638% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,452 |
| Noncurrent loans to loans | 0.2733% | 2,281 |
| Net loans and leases to total assets | 60.4800% | 2,449 |
| Net loans and leases to deposits | 68.5739% | 2,491 |
| Net loans and leases to core deposits | 69.5001% | 2,678 |
| Total domestic deposits to total assets | 88.2000% | 2,367 |
| Equity capital to assets | 8.2764% | 2,703 |
| Core capital (leverage) ratio | 8.6492% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9192% | 1,732 |
| Memoranda: | ||
| Average total assets | $1,509,568,250 | 702 |
| Average earning assets | $1,362,588,250 | 709 |
| Average equity | $144,645,750 | 707 |
| Average total loans | $868,309,000 | 767 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3298% | 2,643 |
| Cost of funding earning assets | 0.2020% | 2,891 |
| Net interest margin | 3.1278% | 2,445 |
| Noninterest income to average assets | 0.6316% | 1,612 |
| Noninterest expense to average assets | 2.7960% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5874% | 3,663 |
| Return on assets (ROA) | 0.5875% | 3,610 |
| Pretax return on assets | 0.6638% | 3,673 |
| Return on Equity (ROE) | 5.8657% | 3,611 |
| Retained earnings to average equity (ytd only) | 1.8997% | 3,780 |
| Net charge-offs to loans | 0.0078% | 1,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 151.8788% | 637 |
| Efficiency ratio | 80.3544% | 919 |
| Assets per employee ($millions) | 5.6973% | 3,029 |
| Cash dividends to net income (ytd only)* | 67.6133% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 2,805 |
| Loan loss allowance to noncurrent loans | 478.4981% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 2,726 |
| Noncurrent loans to loans | 0.2462% | 2,501 |
| Net loans and leases to total assets | 57.2156% | 2,615 |
| Net loans and leases to deposits | 63.5791% | 2,759 |
| Net loans and leases to core deposits | 64.7584% | 2,912 |
| Total domestic deposits to total assets | 89.9912% | 1,707 |
| Equity capital to assets | 9.1401% | 2,292 |
| Core capital (leverage) ratio | 8.5796% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6218% | 1,530 |
| Memoranda: | ||
| Average total assets | $1,510,432,667 | 693 |
| Average earning assets | $1,365,683,667 | 704 |
| Average equity | $151,286,333 | 685 |
| Average total loans | $850,543,333 | 768 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2510% | 2,530 |
| Cost of funding earning assets | 0.1981% | 2,826 |
| Net interest margin | 3.0529% | 2,317 |
| Noninterest income to average assets | 0.6366% | 1,543 |
| Noninterest expense to average assets | 2.7037% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6126% | 3,358 |
| Return on assets (ROA) | 0.6128% | 3,339 |
| Pretax return on assets | 0.7024% | 3,385 |
| Return on Equity (ROE) | 5.8638% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.8638% | 2,288 |
| Net charge-offs to loans | 0.0395% | 887 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 32.0120% | 1,101 |
| Efficiency ratio | 78.9184% | 1,234 |
| Assets per employee ($millions) | 5.8609% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 2,828 |
| Loan loss allowance to noncurrent loans | 782.8988% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 3,215 |
| Noncurrent loans to loans | 0.1541% | 3,033 |
| Net loans and leases to total assets | 55.0899% | 2,625 |
| Net loans and leases to deposits | 61.7264% | 2,735 |
| Net loans and leases to core deposits | 62.8610% | 2,908 |
| Total domestic deposits to total assets | 89.2485% | 1,952 |
| Equity capital to assets | 9.8978% | 1,974 |
| Core capital (leverage) ratio | 8.7639% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3286% | 1,420 |
| Memoranda: | ||
| Average total assets | $1,513,607,000 | 691 |
| Average earning assets | $1,373,006,000 | 704 |
| Average equity | $158,192,000 | 684 |
| Average total loans | $840,400,500 | 772 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 2,591 |
| Cost of funding earning assets | 0.2838% | 2,560 |
| Net interest margin | 3.2415% | 2,480 |
| Noninterest income to average assets | 0.6647% | 1,887 |
| Noninterest expense to average assets | 2.9358% | 1,087 |
| Loan and lease loss provision to assets | -0.0335% | 4,285 |
| Net operating income to assets | 0.6021% | 3,873 |
| Return on assets (ROA) | 0.6619% | 3,771 |
| Pretax return on assets | 0.7652% | 3,797 |
| Return on Equity (ROE) | 5.9475% | 3,789 |
| Retained earnings to average equity (ytd only) | 4.1426% | 3,169 |
| Net charge-offs to loans | 0.0092% | 2,233 |
| Credit loss provision to net charge-offs | -641.0256% | 3,804 |
| Earnings coverage of net charge-offs (x) | 126.8077% | 749 |
| Efficiency ratio | 81.0339% | 746 |
| Assets per employee ($millions) | 5.8048% | 2,948 |
| Cash dividends to net income (ytd only)* | 30.3459% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,719 |
| Loan loss allowance to noncurrent loans | 782.0669% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 3,329 |
| Noncurrent loans to loans | 0.1577% | 3,144 |
| Net loans and leases to total assets | 54.6003% | 2,777 |
| Net loans and leases to deposits | 61.8842% | 2,891 |
| Net loans and leases to core deposits | 63.0516% | 3,067 |
| Total domestic deposits to total assets | 88.2298% | 1,920 |
| Equity capital to assets | 11.0080% | 1,784 |
| Core capital (leverage) ratio | 8.6794% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,493,551,000 | 689 |
| Average earning assets | $1,351,545,200 | 694 |
| Average equity | $166,222,200 | 654 |
| Average total loans | $849,996,200 | 762 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 2,709 |
| Cost of funding earning assets | 0.3095% | 2,503 |
| Net interest margin | 3.2344% | 2,626 |
| Noninterest income to average assets | 0.6746% | 1,911 |
| Noninterest expense to average assets | 2.8232% | 1,289 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6657% | 3,853 |
| Return on assets (ROA) | 0.6657% | 3,907 |
| Pretax return on assets | 0.7766% | 3,935 |
| Return on Equity (ROE) | 5.9646% | 3,922 |
| Retained earnings to average equity (ytd only) | 4.7616% | 3,307 |
| Net charge-offs to loans | 0.0139% | 1,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 97.4944% | 881 |
| Efficiency ratio | 77.8289% | 887 |
| Assets per employee ($millions) | 5.7760% | 2,919 |
| Cash dividends to net income (ytd only)* | 20.1694% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,585 |
| Loan loss allowance to noncurrent loans | 953.2272% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,612 |
| Noncurrent loans to loans | 0.1344% | 3,435 |
| Net loans and leases to total assets | 54.4976% | 2,908 |
| Net loans and leases to deposits | 63.2237% | 2,933 |
| Net loans and leases to core deposits | 64.4148% | 3,092 |
| Total domestic deposits to total assets | 86.1981% | 2,671 |
| Equity capital to assets | 11.0349% | 1,990 |
| Core capital (leverage) ratio | 8.5356% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,489,625,500 | 698 |
| Average earning assets | $1,347,249,750 | 702 |
| Average equity | $166,243,000 | 658 |
| Average total loans | $853,908,000 | 775 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5907% | 2,656 |
| Cost of funding earning assets | 0.3359% | 2,438 |
| Net interest margin | 3.2547% | 2,599 |
| Noninterest income to average assets | 0.6370% | 2,058 |
| Noninterest expense to average assets | 2.8446% | 1,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6321% | 3,913 |
| Return on assets (ROA) | 0.6321% | 3,972 |
| Pretax return on assets | 0.7267% | 4,014 |
| Return on Equity (ROE) | 5.6424% | 3,987 |
| Retained earnings to average equity (ytd only) | 3.8304% | 3,575 |
| Net charge-offs to loans | 0.0193% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 64.6988% | 935 |
| Efficiency ratio | 79.0451% | 845 |
| Assets per employee ($millions) | 5.4814% | 3,148 |
| Cash dividends to net income (ytd only)* | 32.1130% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 2,580 |
| Loan loss allowance to noncurrent loans | 816.5783% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 3,614 |
| Noncurrent loans to loans | 0.1557% | 3,424 |
| Net loans and leases to total assets | 55.7810% | 2,925 |
| Net loans and leases to deposits | 64.7046% | 2,929 |
| Net loans and leases to core deposits | 66.0573% | 3,105 |
| Total domestic deposits to total assets | 86.2088% | 2,659 |
| Equity capital to assets | 11.1125% | 1,904 |
| Core capital (leverage) ratio | 8.4429% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,477,882,000 | 699 |
| Average earning assets | $1,332,392,667 | 705 |
| Average equity | $165,568,333 | 650 |
| Average total loans | $857,947,000 | 769 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5981% | 2,645 |
| Cost of funding earning assets | 0.3666% | 2,386 |
| Net interest margin | 3.2315% | 2,597 |
| Noninterest income to average assets | 0.6273% | 2,097 |
| Noninterest expense to average assets | 2.7656% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6688% | 3,781 |
| Return on assets (ROA) | 0.6688% | 3,854 |
| Pretax return on assets | 0.7818% | 3,844 |
| Return on Equity (ROE) | 5.9453% | 3,873 |
| Retained earnings to average equity (ytd only) | 2.3068% | 3,949 |
| Net charge-offs to loans | 0.0185% | 1,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 71.6250% | 749 |
| Efficiency ratio | 77.3462% | 1,013 |
| Assets per employee ($millions) | 5.4721% | 3,145 |
| Cash dividends to net income (ytd only)* | 61.1995% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,613 |
| Loan loss allowance to noncurrent loans | 486.5229% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 3,392 |
| Noncurrent loans to loans | 0.2591% | 3,181 |
| Net loans and leases to total assets | 56.5727% | 2,972 |
| Net loans and leases to deposits | 65.4826% | 2,976 |
| Net loans and leases to core deposits | 67.1245% | 3,146 |
| Total domestic deposits to total assets | 86.3934% | 2,578 |
| Equity capital to assets | 10.8948% | 1,939 |
| Core capital (leverage) ratio | 8.5711% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,465,864,500 | 696 |
| Average earning assets | $1,324,576,000 | 705 |
| Average equity | $164,902,500 | 648 |
| Average total loans | $862,634,500 | 760 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 2,182 |
| Cost of funding earning assets | 0.5981% | 2,329 |
| Net interest margin | 3.5870% | 2,181 |
| Noninterest income to average assets | 0.6760% | 1,934 |
| Noninterest expense to average assets | 3.4158% | 773 |
| Loan and lease loss provision to assets | 0.1230% | 2,828 |
| Net operating income to assets | 0.3475% | 4,354 |
| Return on assets (ROA) | 0.5289% | 4,055 |
| Pretax return on assets | 0.5481% | 4,180 |
| Return on Equity (ROE) | 4.2954% | 4,086 |
| Retained earnings to average equity (ytd only) | 0.5116% | 4,367 |
| Net charge-offs to loans | 0.0258% | 2,520 |
| Credit loss provision to net charge-offs | 720.5240% | 980 |
| Earnings coverage of net charge-offs (x) | 28.2445% | 1,663 |
| Efficiency ratio | 87.0210% | 487 |
| Assets per employee ($millions) | 5.1710% | 3,198 |
| Cash dividends to net income (ytd only)* | 88.0902% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 2,648 |
| Loan loss allowance to noncurrent loans | 441.6904% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 3,389 |
| Noncurrent loans to loans | 0.2841% | 3,184 |
| Net loans and leases to total assets | 59.7151% | 2,899 |
| Net loans and leases to deposits | 69.8967% | 2,887 |
| Net loans and leases to core deposits | 72.0675% | 3,067 |
| Total domestic deposits to total assets | 85.4334% | 2,602 |
| Equity capital to assets | 11.6208% | 1,796 |
| Core capital (leverage) ratio | 8.5560% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,341,538,800 | 684 |
| Average earning assets | $1,204,980,000 | 697 |
| Average equity | $165,177,400 | 618 |
| Average total loans | $889,156,400 | 725 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2306% | 2,304 |
| Cost of funding earning assets | 0.6253% | 2,454 |
| Net interest margin | 3.6053% | 2,258 |
| Noninterest income to average assets | 0.7384% | 1,679 |
| Noninterest expense to average assets | 3.2885% | 921 |
| Loan and lease loss provision to assets | 0.1365% | 2,651 |
| Net operating income to assets | 0.4986% | 4,040 |
| Return on assets (ROA) | 0.5440% | 4,015 |
| Pretax return on assets | 0.5997% | 4,100 |
| Return on Equity (ROE) | 4.3519% | 4,081 |
| Retained earnings to average equity (ytd only) | 0.1059% | 4,460 |
| Net charge-offs to loans | 0.0283% | 2,267 |
| Credit loss provision to net charge-offs | 710.5263% | 1,060 |
| Earnings coverage of net charge-offs (x) | 35.7263% | 1,443 |
| Efficiency ratio | 82.1243% | 729 |
| Assets per employee ($millions) | 4.9702% | 3,286 |
| Cash dividends to net income (ytd only)* | 97.5655% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 2,960 |
| Loan loss allowance to noncurrent loans | 362.4530% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 3,404 |
| Noncurrent loans to loans | 0.3158% | 3,156 |
| Net loans and leases to total assets | 64.0021% | 2,772 |
| Net loans and leases to deposits | 79.0416% | 2,415 |
| Net loans and leases to core deposits | 81.5773% | 2,690 |
| Total domestic deposits to total assets | 80.9727% | 3,671 |
| Equity capital to assets | 11.6364% | 1,911 |
| Core capital (leverage) ratio | 8.7575% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,318,831,750 | 679 |
| Average earning assets | $1,183,856,250 | 691 |
| Average equity | $164,858,750 | 611 |
| Average total loans | $894,893,000 | 710 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 2,247 |
| Cost of funding earning assets | 0.6548% | 2,666 |
| Net interest margin | 3.7327% | 2,045 |
| Noninterest income to average assets | 0.7118% | 1,700 |
| Noninterest expense to average assets | 3.3745% | 883 |
| Loan and lease loss provision to assets | 0.1405% | 2,607 |
| Net operating income to assets | 0.5126% | 3,980 |
| Return on assets (ROA) | 0.5843% | 3,868 |
| Pretax return on assets | 0.6195% | 4,021 |
| Return on Equity (ROE) | 4.5566% | 3,957 |
| Retained earnings to average equity (ytd only) | 0.6002% | 4,186 |
| Net charge-offs to loans | 0.0328% | 2,075 |
| Credit loss provision to net charge-offs | 620.6897% | 1,085 |
| Earnings coverage of net charge-offs (x) | 30.2138% | 1,430 |
| Efficiency ratio | 82.5346% | 726 |
| Assets per employee ($millions) | 4.8252% | 3,390 |
| Cash dividends to net income (ytd only)* | 86.8287% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 2,934 |
| Loan loss allowance to noncurrent loans | 386.6616% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 3,552 |
| Noncurrent loans to loans | 0.2896% | 3,342 |
| Net loans and leases to total assets | 65.0734% | 2,746 |
| Net loans and leases to deposits | 81.0057% | 2,313 |
| Net loans and leases to core deposits | 83.6029% | 2,642 |
| Total domestic deposits to total assets | 80.3318% | 3,766 |
| Equity capital to assets | 12.0587% | 1,629 |
| Core capital (leverage) ratio | 9.1943% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,281,299,667 | 677 |
| Average earning assets | $1,148,752,333 | 707 |
| Average equity | $164,289,667 | 612 |
| Average total loans | $884,273,000 | 706 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6472% | 1,864 |
| Cost of funding earning assets | 0.7191% | 2,846 |
| Net interest margin | 3.9281% | 1,585 |
| Noninterest income to average assets | 0.7160% | 1,585 |
| Noninterest expense to average assets | 3.5691% | 847 |
| Loan and lease loss provision to assets | 0.1464% | 1,934 |
| Net operating income to assets | 0.4721% | 3,964 |
| Return on assets (ROA) | 0.6197% | 3,598 |
| Pretax return on assets | 0.6637% | 3,786 |
| Return on Equity (ROE) | 4.6766% | 3,757 |
| Retained earnings to average equity (ytd only) | -0.2332% | 4,028 |
| Net charge-offs to loans | 0.0524% | 1,489 |
| Credit loss provision to net charge-offs | 394.7368% | 1,019 |
| Earnings coverage of net charge-offs (x) | 17.5614% | 1,491 |
| Efficiency ratio | 83.9513% | 834 |
| Assets per employee ($millions) | 4.3559% | 3,463 |
| Cash dividends to net income (ytd only)* | 104.9869% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 3,060 |
| Loan loss allowance to noncurrent loans | 477.3171% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 3,795 |
| Noncurrent loans to loans | 0.2363% | 3,638 |
| Net loans and leases to total assets | 68.6061% | 2,452 |
| Net loans and leases to deposits | 87.4398% | 1,811 |
| Net loans and leases to core deposits | 90.6957% | 2,279 |
| Total domestic deposits to total assets | 78.4609% | 4,145 |
| Equity capital to assets | 13.1085% | 1,376 |
| Core capital (leverage) ratio | 10.0320% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,229,539,000 | 674 |
| Average earning assets | $1,096,914,500 | 699 |
| Average equity | $162,939,000 | 611 |
| Average total loans | $870,732,500 | 690 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 2,672 |
| Cost of funding earning assets | 0.7207% | 3,065 |
| Net interest margin | 3.8627% | 2,295 |
| Noninterest income to average assets | 0.7696% | 1,545 |
| Noninterest expense to average assets | 3.5365% | 917 |
| Loan and lease loss provision to assets | 0.0968% | 2,103 |
| Net operating income to assets | 0.5865% | 4,202 |
| Return on assets (ROA) | 0.6110% | 4,190 |
| Pretax return on assets | 0.6129% | 4,393 |
| Return on Equity (ROE) | 4.8046% | 4,268 |
| Retained earnings to average equity (ytd only) | 2.2662% | 3,881 |
| Net charge-offs to loans | 0.0383% | 2,621 |
| Credit loss provision to net charge-offs | 370.3704% | 749 |
| Earnings coverage of net charge-offs (x) | 26.2037% | 1,705 |
| Efficiency ratio | 82.7050% | 755 |
| Assets per employee ($millions) | 4.1261% | 3,725 |
| Cash dividends to net income (ytd only)* | 52.8332% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 3,054 |
| Loan loss allowance to noncurrent loans | 427.7501% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 3,659 |
| Noncurrent loans to loans | 0.2527% | 3,544 |
| Net loans and leases to total assets | 71.5139% | 2,167 |
| Net loans and leases to deposits | 92.1134% | 1,356 |
| Net loans and leases to core deposits | 95.1282% | 1,978 |
| Total domestic deposits to total assets | 77.6368% | 4,414 |
| Equity capital to assets | 13.4004% | 1,329 |
| Core capital (leverage) ratio | 10.1343% | 3,373 |
| Tier 1 risk-based capital ratio | 14.6005% | 2,964 |
| Total risk-based capital ratio | 15.7590% | 2,917 |
| Memoranda: | ||
| Average total assets | $1,239,075,400 | 640 |
| Average earning assets | $1,107,368,400 | 657 |
| Average equity | $157,577,400 | 595 |
| Average total loans | $846,357,400 | 682 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 2,933 |
| Cost of funding earning assets | 0.7162% | 3,131 |
| Net interest margin | 3.8227% | 2,520 |
| Noninterest income to average assets | 0.7660% | 1,536 |
| Noninterest expense to average assets | 3.4898% | 964 |
| Loan and lease loss provision to assets | 0.0802% | 2,303 |
| Net operating income to assets | 0.5763% | 4,357 |
| Return on assets (ROA) | 0.6069% | 4,332 |
| Pretax return on assets | 0.6442% | 4,457 |
| Return on Equity (ROE) | 4.8349% | 4,370 |
| Retained earnings to average equity (ytd only) | 1.4264% | 4,454 |
| Net charge-offs to loans | 0.0386% | 2,316 |
| Credit loss provision to net charge-offs | 308.6420% | 933 |
| Earnings coverage of net charge-offs (x) | 26.6216% | 1,733 |
| Efficiency ratio | 82.7382% | 703 |
| Assets per employee ($millions) | 4.2858% | 3,502 |
| Cash dividends to net income (ytd only)* | 70.4970% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,324 |
| Loan loss allowance to noncurrent loans | 319.6058% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 3,487 |
| Noncurrent loans to loans | 0.3269% | 3,362 |
| Net loans and leases to total assets | 70.1570% | 2,444 |
| Net loans and leases to deposits | 91.6760% | 1,478 |
| Net loans and leases to core deposits | 94.8072% | 2,100 |
| Total domestic deposits to total assets | 76.5270% | 4,586 |
| Equity capital to assets | 13.1410% | 1,546 |
| Core capital (leverage) ratio | 9.6999% | 3,973 |
| Tier 1 risk-based capital ratio | 14.3325% | 3,161 |
| Total risk-based capital ratio | 15.4456% | 3,134 |
| Memoranda: | ||
| Average total assets | $1,246,607,500 | 636 |
| Average earning assets | $1,113,885,500 | 655 |
| Average equity | $156,470,750 | 599 |
| Average total loans | $839,443,250 | 689 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 3,101 |
| Cost of funding earning assets | 0.6909% | 3,218 |
| Net interest margin | 3.7798% | 2,648 |
| Noninterest income to average assets | 0.7264% | 1,617 |
| Noninterest expense to average assets | 3.4518% | 1,022 |
| Loan and lease loss provision to assets | 0.0479% | 2,859 |
| Net operating income to assets | 0.5757% | 4,368 |
| Return on assets (ROA) | 0.5887% | 4,377 |
| Pretax return on assets | 0.6230% | 4,495 |
| Return on Equity (ROE) | 4.7633% | 4,402 |
| Retained earnings to average equity (ytd only) | 2.1815% | 4,058 |
| Net charge-offs to loans | 0.0475% | 1,965 |
| Credit loss provision to net charge-offs | 152.2843% | 1,470 |
| Earnings coverage of net charge-offs (x) | 20.9036% | 1,752 |
| Efficiency ratio | 83.2330% | 712 |
| Assets per employee ($millions) | 4.3421% | 3,382 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,585 |
| Loan loss allowance to noncurrent loans | 267.2520% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 3,396 |
| Noncurrent loans to loans | 0.3764% | 3,176 |
| Net loans and leases to total assets | 67.3257% | 2,919 |
| Net loans and leases to deposits | 90.6632% | 1,670 |
| Net loans and leases to core deposits | 93.3247% | 2,296 |
| Total domestic deposits to total assets | 74.2592% | 4,816 |
| Equity capital to assets | 12.5807% | 1,814 |
| Core capital (leverage) ratio | 9.4874% | 4,154 |
| Tier 1 risk-based capital ratio | 14.2504% | 3,187 |
| Total risk-based capital ratio | 15.3084% | 3,207 |
| Memoranda: | ||
| Average total assets | $1,253,561,000 | 634 |
| Average earning assets | $1,121,741,670 | 646 |
| Average equity | $154,936,000 | 600 |
| Average total loans | $829,582,000 | 698 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 3,174 |
| Cost of funding earning assets | 0.6297% | 3,409 |
| Net interest margin | 3.7844% | 2,586 |
| Noninterest income to average assets | 0.7060% | 1,589 |
| Noninterest expense to average assets | 3.4512% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5872% | 4,280 |
| Return on assets (ROA) | 0.5902% | 4,308 |
| Pretax return on assets | 0.6431% | 4,434 |
| Return on Equity (ROE) | 4.8189% | 4,377 |
| Retained earnings to average equity (ytd only) | 4.8189% | 2,984 |
| Net charge-offs to loans | 0.0236% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 41.5417% | 1,129 |
| Efficiency ratio | 83.4170% | 757 |
| Assets per employee ($millions) | 4.3027% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,505 |
| Loan loss allowance to noncurrent loans | 247.3165% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 3,365 |
| Noncurrent loans to loans | 0.4179% | 3,094 |
| Net loans and leases to total assets | 65.1907% | 3,151 |
| Net loans and leases to deposits | 87.3488% | 1,954 |
| Net loans and leases to core deposits | 89.7150% | 2,531 |
| Total domestic deposits to total assets | 74.6326% | 4,881 |
| Equity capital to assets | 12.4565% | 1,760 |
| Core capital (leverage) ratio | 9.6466% | 3,976 |
| Tier 1 risk-based capital ratio | 14.7956% | 2,968 |
| Total risk-based capital ratio | 15.8744% | 2,973 |
| Memoranda: | ||
| Average total assets | $1,246,401,500 | 645 |
| Average earning assets | $1,114,894,000 | 655 |
| Average equity | $152,650,000 | 604 |
| Average total loans | $813,231,000 | 710 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1891% | 3,466 |
| Cost of funding earning assets | 0.3495% | 4,284 |
| Net interest margin | 3.8397% | 2,538 |
| Noninterest income to average assets | 0.8692% | 1,267 |
| Noninterest expense to average assets | 3.7853% | 697 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5733% | 4,495 |
| Return on assets (ROA) | 0.6434% | 4,311 |
| Pretax return on assets | 0.6228% | 4,594 |
| Return on Equity (ROE) | 5.1301% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.1301% | 2,699 |
| Net charge-offs to loans | 0.0576% | 2,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 16.1421% | 2,271 |
| Efficiency ratio | 87.0932% | 472 |
| Assets per employee ($millions) | 4.2636% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,273 |
| Loan loss allowance to noncurrent loans | 272.1587% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 3,401 |
| Noncurrent loans to loans | 0.3929% | 3,125 |
| Net loans and leases to total assets | 63.9244% | 3,368 |
| Net loans and leases to deposits | 85.2933% | 2,376 |
| Net loans and leases to core deposits | 87.2480% | 2,815 |
| Total domestic deposits to total assets | 74.9465% | 4,875 |
| Equity capital to assets | 12.0361% | 1,872 |
| Core capital (leverage) ratio | 10.0723% | 3,495 |
| Tier 1 risk-based capital ratio | 14.9151% | 2,865 |
| Total risk-based capital ratio | 16.0273% | 2,860 |
| Memoranda: | ||
| Average total assets | $1,089,292,400 | 703 |
| Average earning assets | $984,093,400 | 717 |
| Average equity | $136,604,800 | 634 |
| Average total loans | $647,138,600 | 842 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 3,407 |
| Cost of funding earning assets | 0.2814% | 4,623 |
| Net interest margin | 3.8906% | 2,338 |
| Noninterest income to average assets | 0.8664% | 1,293 |
| Noninterest expense to average assets | 3.8362% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5888% | 4,530 |
| Return on assets (ROA) | 0.6854% | 4,284 |
| Pretax return on assets | 0.6548% | 4,633 |
| Return on Equity (ROE) | 5.4013% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.4013% | 3,008 |
| Net charge-offs to loans | 0.0725% | 1,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 13.2992% | 2,374 |
| Efficiency ratio | 87.1299% | 451 |
| Assets per employee ($millions) | 3.6803% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 1,913 |
| Loan loss allowance to noncurrent loans | 353.2185% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 3,519 |
| Noncurrent loans to loans | 0.3795% | 3,291 |
| Net loans and leases to total assets | 60.4500% | 3,799 |
| Net loans and leases to deposits | 77.7076% | 3,265 |
| Net loans and leases to core deposits | 78.6033% | 3,612 |
| Total domestic deposits to total assets | 77.7917% | 4,512 |
| Equity capital to assets | 12.7050% | 1,468 |
| Core capital (leverage) ratio | 11.4869% | 2,176 |
| Tier 1 risk-based capital ratio | 18.5581% | 1,645 |
| Total risk-based capital ratio | 19.8092% | 1,606 |
| Memoranda: | ||
| Average total assets | $1,051,435,000 | 728 |
| Average earning assets | $953,462,750 | 736 |
| Average equity | $133,422,500 | 644 |
| Average total loans | $608,499,000 | 878 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 3,503 |
| Cost of funding earning assets | 0.2682% | 4,646 |
| Net interest margin | 3.8186% | 2,505 |
| Noninterest income to average assets | 0.8686% | 1,273 |
| Noninterest expense to average assets | 3.8180% | 656 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5932% | 4,514 |
| Return on assets (ROA) | 0.6365% | 4,396 |
| Pretax return on assets | 0.5681% | 4,787 |
| Return on Equity (ROE) | 5.0181% | 4,542 |
| Retained earnings to average equity (ytd only) | 5.0181% | 3,068 |
| Net charge-offs to loans | 0.0737% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 12.5500% | 2,198 |
| Efficiency ratio | 87.7456% | 481 |
| Assets per employee ($millions) | 3.6568% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,709 |
| Loan loss allowance to noncurrent loans | 275.1813% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 3,388 |
| Noncurrent loans to loans | 0.5134% | 2,881 |
| Net loans and leases to total assets | 58.0250% | 3,989 |
| Net loans and leases to deposits | 71.5906% | 3,742 |
| Net loans and leases to core deposits | 72.8468% | 3,956 |
| Total domestic deposits to total assets | 81.0511% | 3,982 |
| Equity capital to assets | 12.6147% | 1,482 |
| Core capital (leverage) ratio | 11.1603% | 2,380 |
| Tier 1 risk-based capital ratio | 19.2357% | 1,492 |
| Total risk-based capital ratio | 20.4881% | 1,447 |
| Memoranda: | ||
| Average total assets | $1,052,288,000 | 727 |
| Average earning assets | $957,358,000 | 737 |
| Average equity | $133,476,670 | 639 |
| Average total loans | $597,111,670 | 893 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,650 |
| Cost of funding earning assets | 0.2640% | 4,624 |
| Net interest margin | 3.7239% | 2,710 |
| Noninterest income to average assets | 0.8587% | 1,267 |
| Noninterest expense to average assets | 3.8069% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5732% | 4,503 |
| Return on assets (ROA) | 0.5922% | 4,451 |
| Pretax return on assets | 0.4609% | 4,944 |
| Return on Equity (ROE) | 4.6561% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.6561% | 3,330 |
| Net charge-offs to loans | 0.0627% | 1,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 12.6522% | 1,791 |
| Efficiency ratio | 89.4299% | 472 |
| Assets per employee ($millions) | 3.5755% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 1,473 |
| Loan loss allowance to noncurrent loans | 274.7130% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 3,413 |
| Noncurrent loans to loans | 0.5456% | 2,892 |
| Net loans and leases to total assets | 55.3516% | 4,175 |
| Net loans and leases to deposits | 66.6877% | 4,044 |
| Net loans and leases to core deposits | 67.8888% | 4,223 |
| Total domestic deposits to total assets | 83.0013% | 3,666 |
| Equity capital to assets | 12.4920% | 1,490 |
| Core capital (leverage) ratio | 11.1697% | 2,266 |
| Tier 1 risk-based capital ratio | 18.2094% | 1,769 |
| Total risk-based capital ratio | 19.4612% | 1,730 |
| Memoranda: | ||
| Average total assets | $1,053,678,000 | 728 |
| Average earning assets | $959,203,500 | 738 |
| Average equity | $134,019,000 | 637 |
| Average total loans | $586,816,000 | 915 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 3,167 |
| Cost of funding earning assets | 0.2301% | 4,726 |
| Net interest margin | 3.8403% | 2,286 |
| Noninterest income to average assets | 0.9834% | 1,059 |
| Noninterest expense to average assets | 3.7558% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7323% | 3,463 |
| Return on assets (ROA) | 0.8700% | 2,887 |
| Pretax return on assets | 0.8642% | 4,032 |
| Return on Equity (ROE) | 6.6436% | 3,454 |
| Retained earnings to average equity (ytd only) | -0.7243% | 5,146 |
| Net charge-offs to loans | -0.0048% | 4,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6239% | 802 |
| Assets per employee ($millions) | 3.5924% | 4,585 |
| Cash dividends to net income (ytd only)* | 110.9016% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 1,305 |
| Loan loss allowance to noncurrent loans | 237.4204% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 3,290 |
| Noncurrent loans to loans | 0.6464% | 2,607 |
| Net loans and leases to total assets | 54.3457% | 4,331 |
| Net loans and leases to deposits | 68.8883% | 3,954 |
| Net loans and leases to core deposits | 69.7710% | 4,193 |
| Total domestic deposits to total assets | 78.8896% | 4,564 |
| Equity capital to assets | 12.9452% | 1,292 |
| Core capital (leverage) ratio | 11.1609% | 2,185 |
| Tier 1 risk-based capital ratio | 18.7682% | 1,568 |
| Total risk-based capital ratio | 20.0209% | 1,524 |
| Memoranda: | ||
| Average total assets | $1,036,478,400 | 714 |
| Average earning assets | $944,316,800 | 713 |
| Average equity | $135,724,600 | 604 |
| Average total loans | $582,547,400 | 883 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,153 |
| Cost of funding earning assets | 0.2270% | 4,763 |
| Net interest margin | 3.8293% | 2,290 |
| Noninterest income to average assets | 1.0017% | 1,019 |
| Noninterest expense to average assets | 3.7489% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7103% | 3,922 |
| Return on assets (ROA) | 0.8854% | 3,149 |
| Pretax return on assets | 0.9274% | 3,939 |
| Return on Equity (ROE) | 6.7415% | 3,793 |
| Retained earnings to average equity (ytd only) | 2.8049% | 4,233 |
| Net charge-offs to loans | -0.0124% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2911% | 815 |
| Assets per employee ($millions) | 3.4797% | 4,754 |
| Cash dividends to net income (ytd only)* | 58.3941% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 1,438 |
| Loan loss allowance to noncurrent loans | 204.7467% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 3,144 |
| Noncurrent loans to loans | 0.7462% | 2,497 |
| Net loans and leases to total assets | 56.3305% | 4,204 |
| Net loans and leases to deposits | 70.0653% | 3,958 |
| Net loans and leases to core deposits | 70.9568% | 4,190 |
| Total domestic deposits to total assets | 80.3971% | 4,232 |
| Equity capital to assets | 13.6249% | 1,112 |
| Core capital (leverage) ratio | 11.6525% | 1,917 |
| Tier 1 risk-based capital ratio | 19.5014% | 1,481 |
| Total risk-based capital ratio | 20.7543% | 1,443 |
| Memoranda: | ||
| Average total assets | $1,031,557,000 | 723 |
| Average earning assets | $940,231,000 | 721 |
| Average equity | $135,475,000 | 609 |
| Average total loans | $582,452,750 | 886 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 3,164 |
| Cost of funding earning assets | 0.2202% | 4,804 |
| Net interest margin | 3.7934% | 2,310 |
| Noninterest income to average assets | 1.0031% | 1,011 |
| Noninterest expense to average assets | 3.7083% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7398% | 3,673 |
| Return on assets (ROA) | 0.8153% | 3,382 |
| Pretax return on assets | 0.8298% | 4,162 |
| Return on Equity (ROE) | 6.2860% | 3,912 |
| Retained earnings to average equity (ytd only) | 0.3164% | 5,010 |
| Net charge-offs to loans | -0.0530% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9566% | 924 |
| Assets per employee ($millions) | 3.5339% | 4,666 |
| Cash dividends to net income (ytd only)* | 94.9668% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 1,432 |
| Loan loss allowance to noncurrent loans | 196.1089% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 3,181 |
| Noncurrent loans to loans | 0.7856% | 2,441 |
| Net loans and leases to total assets | 55.8036% | 4,245 |
| Net loans and leases to deposits | 69.8940% | 3,921 |
| Net loans and leases to core deposits | 70.9298% | 4,169 |
| Total domestic deposits to total assets | 79.8403% | 4,447 |
| Equity capital to assets | 13.1907% | 1,283 |
| Core capital (leverage) ratio | 11.2904% | 2,135 |
| Tier 1 risk-based capital ratio | 18.8147% | 1,633 |
| Total risk-based capital ratio | 20.0675% | 1,595 |
| Memoranda: | ||
| Average total assets | $1,033,236,330 | 725 |
| Average earning assets | $941,900,670 | 725 |
| Average equity | $134,012,670 | 612 |
| Average total loans | $580,865,330 | 895 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 3,127 |
| Cost of funding earning assets | 0.2075% | 4,907 |
| Net interest margin | 3.7671% | 2,234 |
| Noninterest income to average assets | 1.0823% | 854 |
| Noninterest expense to average assets | 3.7400% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8020% | 3,214 |
| Return on assets (ROA) | 0.8374% | 3,097 |
| Pretax return on assets | 0.8094% | 4,078 |
| Return on Equity (ROE) | 6.5119% | 3,656 |
| Retained earnings to average equity (ytd only) | -5.5639% | 5,423 |
| Net charge-offs to loans | 0.0659% | 1,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 20.9895% | 1,467 |
| Efficiency ratio | 82.6883% | 1,096 |
| Assets per employee ($millions) | 3.4556% | 4,851 |
| Cash dividends to net income (ytd only)* | 185.4427% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 1,599 |
| Loan loss allowance to noncurrent loans | 256.1847% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 3,740 |
| Noncurrent loans to loans | 0.5958% | 3,030 |
| Net loans and leases to total assets | 55.0936% | 4,247 |
| Net loans and leases to deposits | 66.6862% | 4,115 |
| Net loans and leases to core deposits | 67.7446% | 4,312 |
| Total domestic deposits to total assets | 82.6163% | 3,967 |
| Equity capital to assets | 12.7607% | 1,376 |
| Core capital (leverage) ratio | 11.1754% | 2,213 |
| Tier 1 risk-based capital ratio | 18.6930% | 1,695 |
| Total risk-based capital ratio | 19.9456% | 1,645 |
| Memoranda: | ||
| Average total assets | $1,030,376,500 | 733 |
| Average earning assets | $938,652,000 | 734 |
| Average equity | $132,496,000 | 617 |
| Average total loans | $576,874,500 | 900 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 3,106 |
| Cost of funding earning assets | 0.2065% | 4,954 |
| Net interest margin | 3.8204% | 2,246 |
| Noninterest income to average assets | 1.0258% | 1,077 |
| Noninterest expense to average assets | 3.8281% | 757 |
| Loan and lease loss provision to assets | -0.0791% | 5,654 |
| Net operating income to assets | 0.6148% | 4,147 |
| Return on assets (ROA) | 0.9697% | 2,596 |
| Pretax return on assets | 1.1848% | 2,740 |
| Return on Equity (ROE) | 6.8668% | 3,536 |
| Retained earnings to average equity (ytd only) | -2.2376% | 5,552 |
| Net charge-offs to loans | -0.0825% | 5,527 |
| Credit loss provision to net charge-offs | 168.7764% | 1,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8790% | 917 |
| Assets per employee ($millions) | 3.4137% | 4,882 |
| Cash dividends to net income (ytd only)* | 132.5854% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 1,507 |
| Loan loss allowance to noncurrent loans | 229.1367% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 3,660 |
| Noncurrent loans to loans | 0.6761% | 2,836 |
| Net loans and leases to total assets | 55.1583% | 4,334 |
| Net loans and leases to deposits | 69.2234% | 3,983 |
| Net loans and leases to core deposits | 70.3989% | 4,205 |
| Total domestic deposits to total assets | 79.6815% | 4,637 |
| Equity capital to assets | 12.9578% | 1,274 |
| Core capital (leverage) ratio | 11.6866% | 1,803 |
| Tier 1 risk-based capital ratio | 19.7326% | 1,432 |
| Total risk-based capital ratio | 20.9860% | 1,398 |
| Memoranda: | ||
| Average total assets | $1,011,180,000 | 716 |
| Average earning assets | $919,796,800 | 721 |
| Average equity | $142,788,200 | 553 |
| Average total loans | $574,789,800 | 865 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 2,995 |
| Cost of funding earning assets | 0.2127% | 4,948 |
| Net interest margin | 3.8510% | 2,157 |
| Noninterest income to average assets | 1.0047% | 1,137 |
| Noninterest expense to average assets | 3.7943% | 753 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5986% | 4,301 |
| Return on assets (ROA) | 0.9737% | 2,681 |
| Pretax return on assets | 1.1587% | 3,005 |
| Return on Equity (ROE) | 6.7538% | 3,690 |
| Retained earnings to average equity (ytd only) | -1.5105% | 5,555 |
| Net charge-offs to loans | 0.0828% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 15.0672% | 2,205 |
| Efficiency ratio | 84.0271% | 993 |
| Assets per employee ($millions) | 3.3525% | 4,975 |
| Cash dividends to net income (ytd only)* | 122.3658% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,790 |
| Loan loss allowance to noncurrent loans | 203.9477% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 3,625 |
| Noncurrent loans to loans | 0.7310% | 2,847 |
| Net loans and leases to total assets | 58.1891% | 4,078 |
| Net loans and leases to deposits | 72.0552% | 3,800 |
| Net loans and leases to core deposits | 73.3927% | 4,048 |
| Total domestic deposits to total assets | 80.7562% | 4,305 |
| Equity capital to assets | 14.3204% | 925 |
| Core capital (leverage) ratio | 11.8659% | 1,775 |
| Tier 1 risk-based capital ratio | 19.5798% | 1,528 |
| Total risk-based capital ratio | 20.8328% | 1,493 |
| Memoranda: | ||
| Average total assets | $1,007,092,000 | 717 |
| Average earning assets | $915,746,750 | 726 |
| Average equity | $145,198,750 | 548 |
| Average total loans | $574,565,500 | 862 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 2,836 |
| Cost of funding earning assets | 0.2200% | 4,938 |
| Net interest margin | 3.8843% | 2,032 |
| Noninterest income to average assets | 0.9547% | 1,231 |
| Noninterest expense to average assets | 3.7273% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6561% | 4,016 |
| Return on assets (ROA) | 0.8964% | 3,005 |
| Pretax return on assets | 1.0332% | 3,464 |
| Return on Equity (ROE) | 6.2037% | 3,960 |
| Retained earnings to average equity (ytd only) | 2.0780% | 4,529 |
| Net charge-offs to loans | 0.0948% | 1,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.1599% | 2,072 |
| Efficiency ratio | 82.9470% | 1,153 |
| Assets per employee ($millions) | 3.4334% | 4,862 |
| Cash dividends to net income (ytd only)* | 66.5041% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 1,646 |
| Loan loss allowance to noncurrent loans | 250.5583% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 3,940 |
| Noncurrent loans to loans | 0.6232% | 3,204 |
| Net loans and leases to total assets | 56.0554% | 4,306 |
| Net loans and leases to deposits | 70.4225% | 3,946 |
| Net loans and leases to core deposits | 71.6896% | 4,205 |
| Total domestic deposits to total assets | 79.5987% | 4,647 |
| Equity capital to assets | 14.8405% | 770 |
| Core capital (leverage) ratio | 12.1505% | 1,542 |
| Tier 1 risk-based capital ratio | 20.4831% | 1,351 |
| Total risk-based capital ratio | 21.7365% | 1,329 |
| Memoranda: | ||
| Average total assets | $1,006,422,670 | 715 |
| Average earning assets | $914,501,000 | 723 |
| Average equity | $145,429,330 | 546 |
| Average total loans | $567,396,670 | 872 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 2,741 |
| Cost of funding earning assets | 0.2200% | 5,004 |
| Net interest margin | 3.9070% | 1,917 |
| Noninterest income to average assets | 0.9446% | 1,192 |
| Noninterest expense to average assets | 3.6751% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7178% | 3,620 |
| Return on assets (ROA) | 0.7869% | 3,417 |
| Pretax return on assets | 0.8888% | 3,892 |
| Return on Equity (ROE) | 5.5207% | 4,213 |
| Retained earnings to average equity (ytd only) | 1.3320% | 4,728 |
| Net charge-offs to loans | 0.1171% | 1,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 12.3515% | 1,801 |
| Efficiency ratio | 81.7496% | 1,392 |
| Assets per employee ($millions) | 3.4544% | 4,878 |
| Cash dividends to net income (ytd only)* | 75.8725% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 1,607 |
| Loan loss allowance to noncurrent loans | 235.2423% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 3,911 |
| Noncurrent loans to loans | 0.6804% | 3,139 |
| Net loans and leases to total assets | 55.9035% | 4,267 |
| Net loans and leases to deposits | 68.8912% | 3,968 |
| Net loans and leases to core deposits | 70.1138% | 4,237 |
| Total domestic deposits to total assets | 81.1476% | 4,446 |
| Equity capital to assets | 14.5397% | 828 |
| Core capital (leverage) ratio | 12.1468% | 1,527 |
| Tier 1 risk-based capital ratio | 20.3363% | 1,435 |
| Total risk-based capital ratio | 21.5901% | 1,410 |
| Memoranda: | ||
| Average total assets | $1,004,922,500 | 716 |
| Average earning assets | $910,987,000 | 727 |
| Average equity | $143,242,500 | 550 |
| Average total loans | $563,689,500 | 874 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 2,418 |
| Cost of funding earning assets | 0.2331% | 4,976 |
| Net interest margin | 4.0073% | 1,694 |
| Noninterest income to average assets | 0.9944% | 1,189 |
| Noninterest expense to average assets | 3.7279% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7699% | 3,465 |
| Return on assets (ROA) | 0.8753% | 3,080 |
| Pretax return on assets | 1.0003% | 3,475 |
| Return on Equity (ROE) | 6.3320% | 3,886 |
| Retained earnings to average equity (ytd only) | 4.1173% | 3,073 |
| Net charge-offs to loans | 0.1137% | 2,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 14.0065% | 2,328 |
| Efficiency ratio | 80.6785% | 1,587 |
| Assets per employee ($millions) | 3.5997% | 4,643 |
| Cash dividends to net income (ytd only)* | 34.9773% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 1,471 |
| Loan loss allowance to noncurrent loans | 234.5598% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 3,886 |
| Noncurrent loans to loans | 0.7035% | 3,086 |
| Net loans and leases to total assets | 54.4683% | 4,461 |
| Net loans and leases to deposits | 68.4268% | 4,090 |
| Net loans and leases to core deposits | 69.6122% | 4,326 |
| Total domestic deposits to total assets | 79.6009% | 4,841 |
| Equity capital to assets | 13.9722% | 937 |
| Core capital (leverage) ratio | 12.0718% | 1,575 |
| Tier 1 risk-based capital ratio | 20.5043% | 1,384 |
| Total risk-based capital ratio | 21.7586% | 1,354 |
| Memoranda: | ||
| Average total assets | $979,880,000 | 707 |
| Average earning assets | $883,712,400 | 718 |
| Average equity | $135,454,000 | 557 |
| Average total loans | $541,643,600 | 866 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,512 |
| Cost of funding earning assets | 0.2332% | 5,063 |
| Net interest margin | 3.9874% | 1,739 |
| Noninterest income to average assets | 1.0055% | 1,172 |
| Noninterest expense to average assets | 3.6993% | 975 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7732% | 3,566 |
| Return on assets (ROA) | 0.8975% | 3,059 |
| Pretax return on assets | 1.0416% | 3,449 |
| Return on Equity (ROE) | 6.5110% | 3,899 |
| Retained earnings to average equity (ytd only) | 3.5257% | 3,957 |
| Net charge-offs to loans | 0.1299% | 1,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 12.5028% | 2,402 |
| Efficiency ratio | 80.2519% | 1,624 |
| Assets per employee ($millions) | 3.3952% | 4,994 |
| Cash dividends to net income (ytd only)* | 45.8505% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 1,493 |
| Loan loss allowance to noncurrent loans | 234.6908% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 4,010 |
| Noncurrent loans to loans | 0.7209% | 3,173 |
| Net loans and leases to total assets | 54.7206% | 4,489 |
| Net loans and leases to deposits | 69.6762% | 4,023 |
| Net loans and leases to core deposits | 70.9129% | 4,287 |
| Total domestic deposits to total assets | 78.5355% | 5,080 |
| Equity capital to assets | 13.8079% | 1,099 |
| Core capital (leverage) ratio | 11.9812% | 1,684 |
| Tier 1 risk-based capital ratio | 20.3614% | 1,464 |
| Total risk-based capital ratio | 21.6161% | 1,431 |
| Memoranda: | ||
| Average total assets | $971,968,250 | 716 |
| Average earning assets | $875,303,000 | 730 |
| Average equity | $133,984,250 | 567 |
| Average total loans | $537,003,000 | 882 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 2,319 |
| Cost of funding earning assets | 0.2330% | 5,115 |
| Net interest margin | 4.0282% | 1,559 |
| Noninterest income to average assets | 1.0067% | 1,166 |
| Noninterest expense to average assets | 3.6932% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7893% | 3,440 |
| Return on assets (ROA) | 0.9121% | 2,941 |
| Pretax return on assets | 1.0788% | 3,263 |
| Return on Equity (ROE) | 6.6203% | 3,821 |
| Retained earnings to average equity (ytd only) | 3.6131% | 3,728 |
| Net charge-offs to loans | 0.1380% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 12.2916% | 2,223 |
| Efficiency ratio | 79.5479% | 1,823 |
| Assets per employee ($millions) | 3.3645% | 5,047 |
| Cash dividends to net income (ytd only)* | 45.4236% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7979% | 1,378 |
| Loan loss allowance to noncurrent loans | 207.3847% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 3,888 |
| Noncurrent loans to loans | 0.8669% | 2,959 |
| Net loans and leases to total assets | 52.5939% | 4,695 |
| Net loans and leases to deposits | 66.7188% | 4,265 |
| Net loans and leases to core deposits | 68.3502% | 4,464 |
| Total domestic deposits to total assets | 78.8293% | 5,132 |
| Equity capital to assets | 13.3682% | 1,235 |
| Core capital (leverage) ratio | 11.9484% | 1,691 |
| Tier 1 risk-based capital ratio | 21.0416% | 1,352 |
| Total risk-based capital ratio | 22.2976% | 1,324 |
| Memoranda: | ||
| Average total assets | $965,495,000 | 725 |
| Average earning assets | $867,886,670 | 740 |
| Average equity | $133,015,670 | 571 |
| Average total loans | $532,061,000 | 892 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3486% | 1,944 |
| Cost of funding earning assets | 0.2166% | 5,349 |
| Net interest margin | 4.1320% | 1,203 |
| Noninterest income to average assets | 0.9835% | 1,156 |
| Noninterest expense to average assets | 3.7645% | 916 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7631% | 3,466 |
| Return on assets (ROA) | 0.8483% | 3,138 |
| Pretax return on assets | 1.0292% | 3,383 |
| Return on Equity (ROE) | 6.0644% | 3,998 |
| Retained earnings to average equity (ytd only) | 3.0711% | 4,139 |
| Net charge-offs to loans | 0.1400% | 1,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.8182% | 1,835 |
| Efficiency ratio | 79.9214% | 1,908 |
| Assets per employee ($millions) | 3.2822% | 5,271 |
| Cash dividends to net income (ytd only)* | 49.3583% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 1,446 |
| Loan loss allowance to noncurrent loans | 211.6875% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 3,833 |
| Noncurrent loans to loans | 0.8613% | 3,092 |
| Net loans and leases to total assets | 54.1526% | 4,425 |
| Net loans and leases to deposits | 65.9190% | 4,157 |
| Net loans and leases to core deposits | 67.6746% | 4,365 |
| Total domestic deposits to total assets | 82.1503% | 4,469 |
| Equity capital to assets | 13.9795% | 991 |
| Core capital (leverage) ratio | 12.0648% | 1,604 |
| Tier 1 risk-based capital ratio | 20.7537% | 1,466 |
| Total risk-based capital ratio | 22.0101% | 1,434 |
| Memoranda: | ||
| Average total assets | $955,342,500 | 728 |
| Average earning assets | $856,926,000 | 752 |
| Average equity | $133,631,500 | 566 |
| Average total loans | $534,110,000 | 880 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3145% | 2,554 |
| Cost of funding earning assets | 0.2591% | 5,233 |
| Net interest margin | 4.0554% | 1,720 |
| Noninterest income to average assets | 0.9496% | 1,345 |
| Noninterest expense to average assets | 3.6395% | 1,233 |
| Loan and lease loss provision to assets | 0.0483% | 3,603 |
| Net operating income to assets | 0.7364% | 3,705 |
| Return on assets (ROA) | 0.8306% | 3,311 |
| Pretax return on assets | 1.0291% | 3,388 |
| Return on Equity (ROE) | 6.5035% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.9841% | 3,379 |
| Net charge-offs to loans | 0.1478% | 2,555 |
| Credit loss provision to net charge-offs | 58.6701% | 3,313 |
| Earnings coverage of net charge-offs (x) | 11.6819% | 2,464 |
| Efficiency ratio | 79.1098% | 2,051 |
| Assets per employee ($millions) | 3.1115% | 5,547 |
| Cash dividends to net income (ytd only)* | 38.7397% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 1,465 |
| Loan loss allowance to noncurrent loans | 127.9227% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.9197% | 2,916 |
| Noncurrent loans to loans | 1.4331% | 2,055 |
| Net loans and leases to total assets | 55.6282% | 4,376 |
| Net loans and leases to deposits | 67.6516% | 4,159 |
| Net loans and leases to core deposits | 69.4755% | 4,371 |
| Total domestic deposits to total assets | 82.2274% | 4,336 |
| Equity capital to assets | 13.9343% | 977 |
| Core capital (leverage) ratio | 11.9646% | 1,646 |
| Tier 1 risk-based capital ratio | 21.0677% | 1,391 |
| Total risk-based capital ratio | 22.3252% | 1,359 |
| Memoranda: | ||
| Average total assets | $932,306,000 | 716 |
| Average earning assets | $839,324,600 | 727 |
| Average equity | $119,074,800 | 608 |
| Average total loans | $519,066,000 | 856 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 3,123 |
| Cost of funding earning assets | 0.2598% | 5,305 |
| Net interest margin | 3.9024% | 2,233 |
| Noninterest income to average assets | 0.9889% | 1,254 |
| Noninterest expense to average assets | 3.5656% | 1,354 |
| Loan and lease loss provision to assets | 0.0646% | 3,057 |
| Net operating income to assets | 0.7006% | 3,937 |
| Return on assets (ROA) | 0.8328% | 3,356 |
| Pretax return on assets | 1.0415% | 3,417 |
| Return on Equity (ROE) | 6.6755% | 3,861 |
| Retained earnings to average equity (ytd only) | 3.2208% | 4,341 |
| Net charge-offs to loans | 0.1594% | 2,209 |
| Credit loss provision to net charge-offs | 73.1707% | 2,708 |
| Earnings coverage of net charge-offs (x) | 10.6504% | 2,518 |
| Efficiency ratio | 79.1208% | 2,035 |
| Assets per employee ($millions) | 3.2109% | 5,405 |
| Cash dividends to net income (ytd only)* | 51.7509% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9686% | 1,312 |
| Loan loss allowance to noncurrent loans | 120.7163% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 2,875 |
| Noncurrent loans to loans | 1.6307% | 2,000 |
| Net loans and leases to total assets | 55.2536% | 4,428 |
| Net loans and leases to deposits | 70.7490% | 3,826 |
| Net loans and leases to core deposits | 72.6263% | 4,092 |
| Total domestic deposits to total assets | 78.0981% | 5,513 |
| Equity capital to assets | 13.3475% | 1,257 |
| Core capital (leverage) ratio | 11.5145% | 2,052 |
| Tier 1 risk-based capital ratio | 20.7557% | 1,502 |
| Total risk-based capital ratio | 22.0151% | 1,470 |
| Memoranda: | ||
| Average total assets | $928,133,500 | 722 |
| Average earning assets | $836,633,250 | 731 |
| Average equity | $115,784,500 | 621 |
| Average total loans | $514,390,500 | 868 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1641% | 3,086 |
| Cost of funding earning assets | 0.2690% | 5,293 |
| Net interest margin | 3.8951% | 2,188 |
| Noninterest income to average assets | 0.9725% | 1,280 |
| Noninterest expense to average assets | 3.5053% | 1,466 |
| Loan and lease loss provision to assets | 0.0961% | 2,421 |
| Net operating income to assets | 0.6961% | 3,862 |
| Return on assets (ROA) | 0.8632% | 3,091 |
| Pretax return on assets | 1.0854% | 3,154 |
| Return on Equity (ROE) | 7.0783% | 3,588 |
| Retained earnings to average equity (ytd only) | 1.8260% | 4,975 |
| Net charge-offs to loans | 0.1410% | 2,260 |
| Credit loss provision to net charge-offs | 123.6264% | 1,682 |
| Earnings coverage of net charge-offs (x) | 12.5165% | 2,051 |
| Efficiency ratio | 78.2779% | 2,257 |
| Assets per employee ($millions) | 3.2864% | 5,278 |
| Cash dividends to net income (ytd only)* | 74.2023% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0059% | 1,349 |
| Loan loss allowance to noncurrent loans | 119.6595% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0953% | 2,878 |
| Noncurrent loans to loans | 1.6764% | 2,069 |
| Net loans and leases to total assets | 54.4796% | 4,485 |
| Net loans and leases to deposits | 68.7764% | 3,961 |
| Net loans and leases to core deposits | 70.5021% | 4,217 |
| Total domestic deposits to total assets | 79.2126% | 5,411 |
| Equity capital to assets | 12.8459% | 1,458 |
| Core capital (leverage) ratio | 11.0137% | 2,416 |
| Tier 1 risk-based capital ratio | 20.1282% | 1,658 |
| Total risk-based capital ratio | 21.3878% | 1,623 |
| Memoranda: | ||
| Average total assets | $936,755,670 | 716 |
| Average earning assets | $843,060,670 | 724 |
| Average equity | $114,236,000 | 622 |
| Average total loans | $516,338,670 | 855 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 3,158 |
| Cost of funding earning assets | 0.2750% | 5,335 |
| Net interest margin | 3.8565% | 2,246 |
| Noninterest income to average assets | 0.9714% | 1,195 |
| Noninterest expense to average assets | 3.5800% | 1,344 |
| Loan and lease loss provision to assets | 0.1270% | 1,916 |
| Net operating income to assets | 0.5983% | 4,209 |
| Return on assets (ROA) | 0.8114% | 3,171 |
| Pretax return on assets | 0.9904% | 3,361 |
| Return on Equity (ROE) | 6.8312% | 3,572 |
| Retained earnings to average equity (ytd only) | 6.8312% | 2,129 |
| Net charge-offs to loans | 0.0532% | 2,636 |
| Credit loss provision to net charge-offs | 434.7826% | 609 |
| Earnings coverage of net charge-offs (x) | 29.3623% | 1,065 |
| Efficiency ratio | 80.6753% | 2,095 |
| Assets per employee ($millions) | 3.3648% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 1,500 |
| Loan loss allowance to noncurrent loans | 119.1960% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.2063% | 2,848 |
| Noncurrent loans to loans | 1.6851% | 2,304 |
| Net loans and leases to total assets | 54.0817% | 4,404 |
| Net loans and leases to deposits | 67.3518% | 3,927 |
| Net loans and leases to core deposits | 68.9635% | 4,213 |
| Total domestic deposits to total assets | 80.2973% | 5,428 |
| Equity capital to assets | 12.2865% | 1,695 |
| Core capital (leverage) ratio | 10.8750% | 2,516 |
| Tier 1 risk-based capital ratio | 20.0348% | 1,713 |
| Total risk-based capital ratio | 21.2944% | 1,674 |
| Memoranda: | ||
| Average total assets | $945,033,500 | 720 |
| Average earning assets | $849,380,500 | 724 |
| Average equity | $112,250,000 | 633 |
| Average total loans | $518,716,500 | 847 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 3,110 |
| Cost of funding earning assets | 0.3378% | 5,266 |
| Net interest margin | 3.9223% | 2,211 |
| Noninterest income to average assets | 1.1030% | 1,152 |
| Noninterest expense to average assets | 3.6621% | 1,350 |
| Loan and lease loss provision to assets | 0.2770% | 1,261 |
| Net operating income to assets | 0.5190% | 4,657 |
| Return on assets (ROA) | 0.5814% | 4,464 |
| Pretax return on assets | 0.7487% | 4,346 |
| Return on Equity (ROE) | 4.7134% | 4,773 |
| Retained earnings to average equity (ytd only) | -2.4884% | 6,220 |
| Net charge-offs to loans | 0.3441% | 1,961 |
| Credit loss provision to net charge-offs | 144.7297% | 1,609 |
| Earnings coverage of net charge-offs (x) | 4.9410% | 3,418 |
| Efficiency ratio | 79.0087% | 2,318 |
| Assets per employee ($millions) | 3.4096% | 5,059 |
| Cash dividends to net income (ytd only)* | 152.7953% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9595% | 1,647 |
| Loan loss allowance to noncurrent loans | 122.1462% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1555% | 3,088 |
| Noncurrent loans to loans | 1.6042% | 2,501 |
| Net loans and leases to total assets | 53.5214% | 4,650 |
| Net loans and leases to deposits | 68.4962% | 3,975 |
| Net loans and leases to core deposits | 70.2104% | 4,269 |
| Total domestic deposits to total assets | 78.1377% | 5,810 |
| Equity capital to assets | 11.4746% | 2,186 |
| Core capital (leverage) ratio | 10.6607% | 2,717 |
| Tier 1 risk-based capital ratio | 19.0352% | 1,909 |
| Total risk-based capital ratio | 20.2936% | 1,865 |
| Memoranda: | ||
| Average total assets | $956,760,400 | 690 |
| Average earning assets | $854,899,200 | 698 |
| Average equity | $118,025,600 | 605 |
| Average total loans | $532,066,000 | 799 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 3,129 |
| Cost of funding earning assets | 0.3541% | 5,258 |
| Net interest margin | 3.9125% | 2,227 |
| Noninterest income to average assets | 1.1025% | 1,203 |
| Noninterest expense to average assets | 3.5630% | 1,473 |
| Loan and lease loss provision to assets | 0.3688% | 853 |
| Net operating income to assets | 0.5065% | 4,766 |
| Return on assets (ROA) | 0.5729% | 4,602 |
| Pretax return on assets | 0.7517% | 4,482 |
| Return on Equity (ROE) | 4.5651% | 4,951 |
| Retained earnings to average equity (ytd only) | -4.8600% | 6,489 |
| Net charge-offs to loans | 0.3898% | 1,646 |
| Credit loss provision to net charge-offs | 169.3291% | 1,406 |
| Earnings coverage of net charge-offs (x) | 4.7438% | 3,365 |
| Efficiency ratio | 76.9589% | 2,566 |
| Assets per employee ($millions) | 3.3768% | 5,113 |
| Cash dividends to net income (ytd only)* | 206.4609% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 1,716 |
| Loan loss allowance to noncurrent loans | 111.6911% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 3,293 |
| Noncurrent loans to loans | 1.7913% | 2,510 |
| Net loans and leases to total assets | 53.9027% | 4,628 |
| Net loans and leases to deposits | 69.6414% | 3,832 |
| Net loans and leases to core deposits | 71.4775% | 4,151 |
| Total domestic deposits to total assets | 77.4004% | 5,988 |
| Equity capital to assets | 11.5734% | 2,243 |
| Core capital (leverage) ratio | 10.4394% | 3,075 |
| Tier 1 risk-based capital ratio | 19.0796% | 1,966 |
| Total risk-based capital ratio | 20.3389% | 1,929 |
| Memoranda: | ||
| Average total assets | $958,129,750 | 688 |
| Average earning assets | $855,518,000 | 700 |
| Average equity | $120,243,000 | 598 |
| Average total loans | $535,253,500 | 785 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 3,122 |
| Cost of funding earning assets | 0.3828% | 5,108 |
| Net interest margin | 3.8760% | 2,289 |
| Noninterest income to average assets | 1.0818% | 1,308 |
| Noninterest expense to average assets | 3.4396% | 1,740 |
| Loan and lease loss provision to assets | 0.4369% | 670 |
| Net operating income to assets | 0.4935% | 4,830 |
| Return on assets (ROA) | 0.5377% | 4,792 |
| Pretax return on assets | 0.7218% | 4,609 |
| Return on Equity (ROE) | 4.1773% | 5,143 |
| Retained earnings to average equity (ytd only) | 0.1358% | 5,812 |
| Net charge-offs to loans | 0.4243% | 1,519 |
| Credit loss provision to net charge-offs | 183.4061% | 1,300 |
| Earnings coverage of net charge-offs (x) | 4.6131% | 3,084 |
| Efficiency ratio | 75.2166% | 2,909 |
| Assets per employee ($millions) | 3.2390% | 5,392 |
| Cash dividends to net income (ytd only)* | 96.7492% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 1,949 |
| Loan loss allowance to noncurrent loans | 81.8868% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 2,860 |
| Noncurrent loans to loans | 2.3891% | 1,967 |
| Net loans and leases to total assets | 53.9031% | 4,599 |
| Net loans and leases to deposits | 70.6469% | 3,635 |
| Net loans and leases to core deposits | 72.5206% | 3,987 |
| Total domestic deposits to total assets | 76.2992% | 6,219 |
| Equity capital to assets | 12.2844% | 1,719 |
| Core capital (leverage) ratio | 11.2539% | 2,124 |
| Tier 1 risk-based capital ratio | 19.9926% | 1,722 |
| Total risk-based capital ratio | 21.2516% | 1,688 |
| Memoranda: | ||
| Average total assets | $961,210,000 | 688 |
| Average earning assets | $857,265,000 | 697 |
| Average equity | $123,717,670 | 581 |
| Average total loans | $539,698,330 | 774 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 2,936 |
| Cost of funding earning assets | 0.4184% | 4,921 |
| Net interest margin | 3.8695% | 2,218 |
| Noninterest income to average assets | 1.0669% | 1,308 |
| Noninterest expense to average assets | 3.3723% | 1,892 |
| Loan and lease loss provision to assets | 0.4364% | 671 |
| Net operating income to assets | 0.5062% | 4,626 |
| Return on assets (ROA) | 0.5914% | 4,408 |
| Pretax return on assets | 0.8021% | 4,159 |
| Return on Equity (ROE) | 4.4929% | 4,850 |
| Retained earnings to average equity (ytd only) | -3.4005% | 6,223 |
| Net charge-offs to loans | 0.5502% | 1,100 |
| Credit loss provision to net charge-offs | 139.8136% | 1,436 |
| Earnings coverage of net charge-offs (x) | 3.5992% | 2,730 |
| Efficiency ratio | 74.4384% | 3,189 |
| Assets per employee ($millions) | 3.3608% | 5,305 |
| Cash dividends to net income (ytd only)* | 175.6852% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 2,607 |
| Loan loss allowance to noncurrent loans | 62.6687% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.7643% | 2,643 |
| Noncurrent loans to loans | 2.8784% | 1,756 |
| Net loans and leases to total assets | 53.9323% | 4,429 |
| Net loans and leases to deposits | 69.0232% | 3,636 |
| Net loans and leases to core deposits | 70.8085% | 3,968 |
| Total domestic deposits to total assets | 78.1364% | 6,097 |
| Equity capital to assets | 12.8797% | 1,482 |
| Core capital (leverage) ratio | 10.8430% | 2,412 |
| Tier 1 risk-based capital ratio | 19.0841% | 2,020 |
| Total risk-based capital ratio | 20.3410% | 1,996 |
| Memoranda: | ||
| Average total assets | $962,442,500 | 693 |
| Average earning assets | $852,828,500 | 707 |
| Average equity | $126,688,500 | 577 |
| Average total loans | $545,995,000 | 763 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 2,942 |
| Cost of funding earning assets | 0.4930% | 5,271 |
| Net interest margin | 4.1212% | 1,917 |
| Noninterest income to average assets | 0.9138% | 1,822 |
| Noninterest expense to average assets | 3.5686% | 1,684 |
| Loan and lease loss provision to assets | 0.7732% | 641 |
| Net operating income to assets | 0.2014% | 5,782 |
| Return on assets (ROA) | 0.8359% | 3,365 |
| Pretax return on assets | 1.1000% | 3,157 |
| Return on Equity (ROE) | 6.4719% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.4719% | 1,836 |
| Net charge-offs to loans | 1.2745% | 764 |
| Credit loss provision to net charge-offs | 102.3344% | 2,942 |
| Earnings coverage of net charge-offs (x) | 1.3742% | 4,768 |
| Efficiency ratio | 76.9109% | 2,607 |
| Assets per employee ($millions) | 3.2432% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6808% | 3,002 |
| Loan loss allowance to noncurrent loans | 34.2021% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 3.0092% | 1,579 |
| Noncurrent loans to loans | 4.9144% | 824 |
| Net loans and leases to total assets | 57.5990% | 4,046 |
| Net loans and leases to deposits | 71.7709% | 3,451 |
| Net loans and leases to core deposits | 73.5073% | 3,848 |
| Total domestic deposits to total assets | 80.2540% | 5,600 |
| Equity capital to assets | 13.4540% | 1,249 |
| Core capital (leverage) ratio | 11.5902% | 1,813 |
| Tier 1 risk-based capital ratio | 19.3788% | 1,848 |
| Total risk-based capital ratio | 20.6351% | 1,813 |
| Memoranda: | ||
| Average total assets | $975,203,600 | 671 |
| Average earning assets | $873,897,800 | 680 |
| Average equity | $125,959,600 | 571 |
| Average total loans | $578,127,000 | 716 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 2,866 |
| Cost of funding earning assets | 0.5103% | 5,374 |
| Net interest margin | 4.1739% | 1,812 |
| Noninterest income to average assets | 1.0139% | 1,466 |
| Noninterest expense to average assets | 3.5874% | 1,577 |
| Loan and lease loss provision to assets | 0.7098% | 716 |
| Net operating income to assets | 0.3441% | 5,457 |
| Return on assets (ROA) | 1.0473% | 2,510 |
| Pretax return on assets | 1.3987% | 2,241 |
| Return on Equity (ROE) | 8.1908% | 3,190 |
| Retained earnings to average equity (ytd only) | 8.1908% | 1,536 |
| Net charge-offs to loans | 0.8226% | 1,331 |
| Credit loss provision to net charge-offs | 145.1389% | 1,969 |
| Earnings coverage of net charge-offs (x) | 2.3944% | 4,081 |
| Efficiency ratio | 74.8594% | 2,848 |
| Assets per employee ($millions) | 2.9640% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 2,598 |
| Loan loss allowance to noncurrent loans | 31.5372% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 3.8033% | 1,292 |
| Noncurrent loans to loans | 5.9169% | 701 |
| Net loans and leases to total assets | 61.2775% | 3,518 |
| Net loans and leases to deposits | 76.6934% | 2,881 |
| Net loans and leases to core deposits | 78.4890% | 3,397 |
| Total domestic deposits to total assets | 79.8992% | 5,680 |
| Equity capital to assets | 13.8674% | 1,211 |
| Core capital (leverage) ratio | 11.2323% | 2,189 |
| Tier 1 risk-based capital ratio | 18.6040% | 2,132 |
| Total risk-based capital ratio | 19.8628% | 2,094 |
| Memoranda: | ||
| Average total assets | $981,443,000 | 674 |
| Average earning assets | $880,495,750 | 680 |
| Average equity | $125,488,000 | 572 |
| Average total loans | $583,486,500 | 709 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6934% | 2,945 |
| Cost of funding earning assets | 0.5258% | 5,453 |
| Net interest margin | 4.1677% | 1,841 |
| Noninterest income to average assets | 0.9790% | 1,519 |
| Noninterest expense to average assets | 3.5561% | 1,670 |
| Loan and lease loss provision to assets | 0.3302% | 1,989 |
| Net operating income to assets | 0.6388% | 4,176 |
| Return on assets (ROA) | 1.0321% | 2,552 |
| Pretax return on assets | 1.3459% | 2,401 |
| Return on Equity (ROE) | 8.2888% | 3,119 |
| Retained earnings to average equity (ytd only) | 8.2888% | 1,529 |
| Net charge-offs to loans | 0.7619% | 1,445 |
| Credit loss provision to net charge-offs | 74.0575% | 3,479 |
| Earnings coverage of net charge-offs (x) | 2.6136% | 3,696 |
| Efficiency ratio | 74.7923% | 2,938 |
| Assets per employee ($millions) | 2.9382% | 6,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 4,148 |
| Loan loss allowance to noncurrent loans | 61.8941% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.6393% | 3,268 |
| Noncurrent loans to loans | 2.3793% | 2,524 |
| Net loans and leases to total assets | 59.2105% | 3,955 |
| Net loans and leases to deposits | 74.5343% | 3,203 |
| Net loans and leases to core deposits | 76.2944% | 3,739 |
| Total domestic deposits to total assets | 79.4407% | 5,876 |
| Equity capital to assets | 13.0669% | 1,482 |
| Core capital (leverage) ratio | 10.4852% | 2,823 |
| Tier 1 risk-based capital ratio | 17.2937% | 2,547 |
| Total risk-based capital ratio | 18.5466% | 2,514 |
| Memoranda: | ||
| Average total assets | $999,345,330 | 668 |
| Average earning assets | $897,384,330 | 664 |
| Average equity | $124,433,000 | 576 |
| Average total loans | $584,881,000 | 703 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 3,216 |
| Cost of funding earning assets | 0.5562% | 5,455 |
| Net interest margin | 4.1036% | 2,078 |
| Noninterest income to average assets | 0.9440% | 1,586 |
| Noninterest expense to average assets | 3.5203% | 1,716 |
| Loan and lease loss provision to assets | 0.3258% | 1,920 |
| Net operating income to assets | 0.6363% | 4,190 |
| Return on assets (ROA) | 1.0557% | 2,457 |
| Pretax return on assets | 1.2927% | 2,563 |
| Return on Equity (ROE) | 8.6850% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.6850% | 1,703 |
| Net charge-offs to loans | 0.7698% | 1,337 |
| Credit loss provision to net charge-offs | 73.2682% | 2,855 |
| Earnings coverage of net charge-offs (x) | 2.4893% | 3,173 |
| Efficiency ratio | 75.5463% | 2,848 |
| Assets per employee ($millions) | 3.0041% | 6,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 4,063 |
| Loan loss allowance to noncurrent loans | 57.0658% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 1.9342% | 2,995 |
| Noncurrent loans to loans | 2.6661% | 2,443 |
| Net loans and leases to total assets | 55.6445% | 4,447 |
| Net loans and leases to deposits | 68.9658% | 3,882 |
| Net loans and leases to core deposits | 70.4792% | 4,344 |
| Total domestic deposits to total assets | 80.6842% | 5,682 |
| Equity capital to assets | 11.9146% | 2,103 |
| Core capital (leverage) ratio | 10.1362% | 3,191 |
| Tier 1 risk-based capital ratio | 16.4417% | 2,939 |
| Total risk-based capital ratio | 17.6948% | 2,899 |
| Memoranda: | ||
| Average total assets | $1,012,744,000 | 659 |
| Average earning assets | $909,053,500 | 660 |
| Average equity | $123,108,500 | 582 |
| Average total loans | $585,092,500 | 706 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3019% | 1,692 |
| Cost of funding earning assets | 0.7321% | 5,327 |
| Net interest margin | 4.5698% | 982 |
| Noninterest income to average assets | 0.7322% | 2,432 |
| Noninterest expense to average assets | 3.7317% | 1,473 |
| Loan and lease loss provision to assets | 0.3701% | 2,769 |
| Net operating income to assets | 0.5268% | 4,320 |
| Return on assets (ROA) | 0.8179% | 3,128 |
| Pretax return on assets | 1.1304% | 2,722 |
| Return on Equity (ROE) | 7.2623% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.3740% | 1,819 |
| Net charge-offs to loans | 0.7491% | 2,279 |
| Credit loss provision to net charge-offs | 79.6727% | 4,468 |
| Earnings coverage of net charge-offs (x) | 2.3598% | 4,041 |
| Efficiency ratio | 76.7788% | 2,775 |
| Assets per employee ($millions) | 3.0526% | 5,987 |
| Cash dividends to net income (ytd only)* | 12.2309% | 3,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 3,722 |
| Loan loss allowance to noncurrent loans | 54.1090% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 2.0975% | 2,848 |
| Noncurrent loans to loans | 2.8954% | 2,258 |
| Net loans and leases to total assets | 58.1688% | 4,346 |
| Net loans and leases to deposits | 72.4641% | 3,736 |
| Net loans and leases to core deposits | 74.5181% | 4,173 |
| Total domestic deposits to total assets | 80.2727% | 5,669 |
| Equity capital to assets | 12.4073% | 1,851 |
| Core capital (leverage) ratio | 10.1947% | 3,087 |
| Tier 1 risk-based capital ratio | 16.1028% | 2,992 |
| Total risk-based capital ratio | 17.3566% | 2,951 |
| Memoranda: | ||
| Average total assets | $999,624,200 | 659 |
| Average earning assets | $895,951,200 | 658 |
| Average equity | $112,581,600 | 615 |
| Average total loans | $619,911,200 | 673 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3952% | 1,523 |
| Cost of funding earning assets | 0.7665% | 5,357 |
| Net interest margin | 4.6287% | 898 |
| Noninterest income to average assets | 0.6795% | 2,722 |
| Noninterest expense to average assets | 3.7258% | 1,441 |
| Loan and lease loss provision to assets | 0.3861% | 2,541 |
| Net operating income to assets | 0.5205% | 4,457 |
| Return on assets (ROA) | 0.8619% | 3,053 |
| Pretax return on assets | 1.1863% | 2,679 |
| Return on Equity (ROE) | 7.8503% | 3,105 |
| Retained earnings to average equity (ytd only) | 6.6377% | 2,174 |
| Net charge-offs to loans | 0.6135% | 2,412 |
| Credit loss provision to net charge-offs | 100.3113% | 3,357 |
| Earnings coverage of net charge-offs (x) | 2.8703% | 3,706 |
| Efficiency ratio | 76.6178% | 2,743 |
| Assets per employee ($millions) | 2.8217% | 6,446 |
| Cash dividends to net income (ytd only)* | 15.4464% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6955% | 3,291 |
| Loan loss allowance to noncurrent loans | 49.4995% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 2.4373% | 2,647 |
| Noncurrent loans to loans | 3.4253% | 2,004 |
| Net loans and leases to total assets | 61.8135% | 3,773 |
| Net loans and leases to deposits | 76.2535% | 3,288 |
| Net loans and leases to core deposits | 78.5231% | 3,823 |
| Total domestic deposits to total assets | 81.0632% | 5,415 |
| Equity capital to assets | 12.5825% | 1,864 |
| Core capital (leverage) ratio | 9.9026% | 3,571 |
| Tier 1 risk-based capital ratio | 15.9664% | 3,139 |
| Total risk-based capital ratio | 17.2223% | 3,091 |
| Memoranda: | ||
| Average total assets | $1,001,508,750 | 664 |
| Average earning assets | $898,136,000 | 667 |
| Average equity | $109,954,250 | 634 |
| Average total loans | $628,321,500 | 666 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4782% | 1,347 |
| Cost of funding earning assets | 0.7942% | 5,411 |
| Net interest margin | 4.6840% | 757 |
| Noninterest income to average assets | 0.5344% | 3,600 |
| Noninterest expense to average assets | 3.6888% | 1,550 |
| Loan and lease loss provision to assets | 0.3633% | 2,612 |
| Net operating income to assets | 0.4953% | 4,520 |
| Return on assets (ROA) | 0.6583% | 3,878 |
| Pretax return on assets | 0.9065% | 3,587 |
| Return on Equity (ROE) | 6.2817% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.2817% | 2,255 |
| Net charge-offs to loans | 0.5855% | 2,355 |
| Credit loss provision to net charge-offs | 98.9834% | 3,194 |
| Earnings coverage of net charge-offs (x) | 2.8513% | 3,419 |
| Efficiency ratio | 77.3847% | 2,799 |
| Assets per employee ($millions) | 2.7912% | 6,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 3,488 |
| Loan loss allowance to noncurrent loans | 83.9422% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 3,815 |
| Noncurrent loans to loans | 1.9674% | 3,524 |
| Net loans and leases to total assets | 60.9349% | 4,102 |
| Net loans and leases to deposits | 76.3035% | 3,407 |
| Net loans and leases to core deposits | 78.5451% | 3,987 |
| Total domestic deposits to total assets | 79.8586% | 5,861 |
| Equity capital to assets | 11.1884% | 2,777 |
| Core capital (leverage) ratio | 9.1358% | 4,511 |
| Tier 1 risk-based capital ratio | 15.1959% | 3,400 |
| Total risk-based capital ratio | 16.4512% | 3,362 |
| Memoranda: | ||
| Average total assets | $1,018,372,000 | 663 |
| Average earning assets | $913,368,000 | 663 |
| Average equity | $106,722,670 | 653 |
| Average total loans | $638,450,670 | 669 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4775% | 1,362 |
| Cost of funding earning assets | 0.8210% | 5,456 |
| Net interest margin | 4.6564% | 771 |
| Noninterest income to average assets | 0.8518% | 1,845 |
| Noninterest expense to average assets | 3.4859% | 2,044 |
| Loan and lease loss provision to assets | 0.4064% | 2,156 |
| Net operating income to assets | 0.8104% | 2,977 |
| Return on assets (ROA) | 0.8805% | 2,724 |
| Pretax return on assets | 1.2354% | 2,246 |
| Return on Equity (ROE) | 8.6825% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.6825% | 1,499 |
| Net charge-offs to loans | 0.2824% | 2,938 |
| Credit loss provision to net charge-offs | 228.2609% | 1,338 |
| Earnings coverage of net charge-offs (x) | 8.6674% | 1,799 |
| Efficiency ratio | 68.8395% | 4,504 |
| Assets per employee ($millions) | 2.9364% | 6,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6937% | 3,357 |
| Loan loss allowance to noncurrent loans | 110.0626% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 1.7529% | 3,634 |
| Noncurrent loans to loans | 1.5388% | 4,162 |
| Net loans and leases to total assets | 61.2380% | 4,025 |
| Net loans and leases to deposits | 76.5750% | 3,321 |
| Net loans and leases to core deposits | 78.7884% | 3,923 |
| Total domestic deposits to total assets | 79.9713% | 5,957 |
| Equity capital to assets | 10.3664% | 3,328 |
| Core capital (leverage) ratio | 8.9168% | 4,747 |
| Tier 1 risk-based capital ratio | 14.2681% | 3,894 |
| Total risk-based capital ratio | 15.5190% | 3,854 |
| Memoranda: | ||
| Average total assets | $1,033,521,500 | 657 |
| Average earning assets | $927,146,000 | 656 |
| Average equity | $104,809,000 | 663 |
| Average total loans | $651,580,500 | 658 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8014% | 1,274 |
| Cost of funding earning assets | 1.1216% | 5,015 |
| Net interest margin | 4.6798% | 853 |
| Noninterest income to average assets | 0.7566% | 2,503 |
| Noninterest expense to average assets | 3.4646% | 2,262 |
| Loan and lease loss provision to assets | 0.7830% | 2,084 |
| Net operating income to assets | 0.4985% | 4,102 |
| Return on assets (ROA) | 1.0019% | 2,136 |
| Pretax return on assets | 1.4671% | 1,462 |
| Return on Equity (ROE) | 9.6774% | 2,043 |
| Retained earnings to average equity (ytd only) | 0.5030% | 5,332 |
| Net charge-offs to loans | 1.3040% | 1,710 |
| Credit loss provision to net charge-offs | 90.0853% | 5,130 |
| Earnings coverage of net charge-offs (x) | 1.7371% | 4,415 |
| Efficiency ratio | 69.1858% | 4,344 |
| Assets per employee ($millions) | 3.2541% | 5,527 |
| Cash dividends to net income (ytd only)* | 94.8021% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 3,947 |
| Loan loss allowance to noncurrent loans | 90.9899% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.7212% | 3,723 |
| Noncurrent loans to loans | 1.6608% | 4,012 |
| Net loans and leases to total assets | 62.8075% | 4,113 |
| Net loans and leases to deposits | 81.8144% | 2,846 |
| Net loans and leases to core deposits | 84.5932% | 3,512 |
| Total domestic deposits to total assets | 76.7683% | 6,520 |
| Equity capital to assets | 9.9230% | 3,849 |
| Core capital (leverage) ratio | 8.5731% | 5,235 |
| Tier 1 risk-based capital ratio | 13.3797% | 4,307 |
| Total risk-based capital ratio | 14.6289% | 4,266 |
| Memoranda: | ||
| Average total assets | $1,079,164,000 | 619 |
| Average earning assets | $972,652,400 | 616 |
| Average equity | $111,723,800 | 600 |
| Average total loans | $719,335,200 | 605 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8533% | 1,249 |
| Cost of funding earning assets | 1.1799% | 4,982 |
| Net interest margin | 4.6734% | 903 |
| Noninterest income to average assets | 0.8882% | 1,839 |
| Noninterest expense to average assets | 3.4670% | 2,120 |
| Loan and lease loss provision to assets | 0.8040% | 1,892 |
| Net operating income to assets | 0.5609% | 4,046 |
| Return on assets (ROA) | 1.0930% | 2,016 |
| Pretax return on assets | 1.6133% | 1,316 |
| Return on Equity (ROE) | 10.4522% | 1,959 |
| Retained earnings to average equity (ytd only) | 7.5175% | 1,592 |
| Net charge-offs to loans | 1.0071% | 1,996 |
| Credit loss provision to net charge-offs | 118.5306% | 3,497 |
| Earnings coverage of net charge-offs (x) | 2.4102% | 3,972 |
| Efficiency ratio | 67.5072% | 4,562 |
| Assets per employee ($millions) | 3.2382% | 5,595 |
| Cash dividends to net income (ytd only)* | 28.0773% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7436% | 3,015 |
| Loan loss allowance to noncurrent loans | 79.6086% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 2.1937% | 3,215 |
| Noncurrent loans to loans | 2.1903% | 3,463 |
| Net loans and leases to total assets | 63.9118% | 4,144 |
| Net loans and leases to deposits | 78.8053% | 3,668 |
| Net loans and leases to core deposits | 81.5531% | 4,307 |
| Total domestic deposits to total assets | 81.1009% | 5,330 |
| Equity capital to assets | 11.1506% | 2,814 |
| Core capital (leverage) ratio | 9.0214% | 4,661 |
| Tier 1 risk-based capital ratio | 13.8192% | 3,962 |
| Total risk-based capital ratio | 15.0715% | 3,931 |
| Memoranda: | ||
| Average total assets | $1,086,190,000 | 612 |
| Average earning assets | $979,343,250 | 608 |
| Average equity | $113,580,500 | 586 |
| Average total loans | $731,600,500 | 593 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8537% | 1,299 |
| Cost of funding earning assets | 1.2345% | 4,932 |
| Net interest margin | 4.6192% | 956 |
| Noninterest income to average assets | 0.8665% | 1,814 |
| Noninterest expense to average assets | 3.3917% | 2,286 |
| Loan and lease loss provision to assets | 0.5489% | 2,583 |
| Net operating income to assets | 0.7611% | 3,147 |
| Return on assets (ROA) | 0.9411% | 2,489 |
| Pretax return on assets | 1.3623% | 1,915 |
| Return on Equity (ROE) | 9.1987% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.1987% | 1,049 |
| Net charge-offs to loans | 0.7936% | 2,265 |
| Credit loss provision to net charge-offs | 101.5572% | 4,020 |
| Earnings coverage of net charge-offs (x) | 3.0535% | 3,477 |
| Efficiency ratio | 66.8191% | 4,812 |
| Assets per employee ($millions) | 3.3219% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 3,729 |
| Loan loss allowance to noncurrent loans | 72.0636% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 2.0682% | 3,424 |
| Noncurrent loans to loans | 2.1330% | 3,550 |
| Net loans and leases to total assets | 66.7109% | 3,684 |
| Net loans and leases to deposits | 80.6533% | 3,492 |
| Net loans and leases to core deposits | 83.5327% | 4,208 |
| Total domestic deposits to total assets | 82.7132% | 4,690 |
| Equity capital to assets | 10.9103% | 2,960 |
| Core capital (leverage) ratio | 8.6913% | 5,088 |
| Tier 1 risk-based capital ratio | 13.4959% | 4,070 |
| Total risk-based capital ratio | 14.7506% | 4,031 |
| Memoranda: | ||
| Average total assets | $1,093,131,000 | 602 |
| Average earning assets | $988,129,330 | 605 |
| Average equity | $111,842,330 | 589 |
| Average total loans | $744,474,670 | 587 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8784% | 1,254 |
| Cost of funding earning assets | 1.2841% | 4,909 |
| Net interest margin | 4.5943% | 959 |
| Noninterest income to average assets | 0.7349% | 2,384 |
| Noninterest expense to average assets | 3.2740% | 2,619 |
| Loan and lease loss provision to assets | 0.5603% | 2,259 |
| Net operating income to assets | 0.7182% | 3,356 |
| Return on assets (ROA) | 0.7472% | 3,334 |
| Pretax return on assets | 1.1040% | 2,719 |
| Return on Equity (ROE) | 7.5442% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.5442% | 1,904 |
| Net charge-offs to loans | 0.4649% | 2,649 |
| Credit loss provision to net charge-offs | 176.5376% | 2,068 |
| Earnings coverage of net charge-offs (x) | 5.1093% | 2,468 |
| Efficiency ratio | 66.4181% | 5,027 |
| Assets per employee ($millions) | 3.4545% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,562 |
| Loan loss allowance to noncurrent loans | 62.1971% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.9115% | 3,615 |
| Noncurrent loans to loans | 2.5298% | 3,143 |
| Net loans and leases to total assets | 66.1756% | 3,811 |
| Net loans and leases to deposits | 81.9727% | 3,287 |
| Net loans and leases to core deposits | 84.7916% | 4,093 |
| Total domestic deposits to total assets | 80.7288% | 5,546 |
| Equity capital to assets | 10.0209% | 3,842 |
| Core capital (leverage) ratio | 8.4485% | 5,470 |
| Tier 1 risk-based capital ratio | 12.7245% | 4,537 |
| Total risk-based capital ratio | 13.9798% | 4,500 |
| Memoranda: | ||
| Average total assets | $1,106,535,000 | 610 |
| Average earning assets | $1,002,107,000 | 611 |
| Average equity | $109,594,000 | 603 |
| Average total loans | $755,482,500 | 598 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3067% | 1,013 |
| Cost of funding earning assets | 1.7875% | 4,053 |
| Net interest margin | 4.5192% | 1,141 |
| Noninterest income to average assets | 0.8882% | 1,991 |
| Noninterest expense to average assets | 3.3982% | 2,686 |
| Loan and lease loss provision to assets | 0.4294% | 4,251 |
| Net operating income to assets | 0.7585% | 2,684 |
| Return on assets (ROA) | 0.8950% | 2,262 |
| Pretax return on assets | 1.3332% | 1,605 |
| Return on Equity (ROE) | 8.6980% | 2,121 |
| Retained earnings to average equity (ytd only) | -2.1103% | 5,541 |
| Net charge-offs to loans | 0.4196% | 4,124 |
| Credit loss provision to net charge-offs | 135.8651% | 3,640 |
| Earnings coverage of net charge-offs (x) | 4.9320% | 2,746 |
| Efficiency ratio | 68.0814% | 4,990 |
| Assets per employee ($millions) | 3.2765% | 5,548 |
| Cash dividends to net income (ytd only)* | 124.2622% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 4,008 |
| Loan loss allowance to noncurrent loans | 57.0169% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.9828% | 3,419 |
| Noncurrent loans to loans | 2.5341% | 3,020 |
| Net loans and leases to total assets | 68.3186% | 3,633 |
| Net loans and leases to deposits | 83.9232% | 3,291 |
| Net loans and leases to core deposits | 96.8005% | 4,372 |
| Total domestic deposits to total assets | 81.4062% | 5,193 |
| Equity capital to assets | 9.7871% | 4,021 |
| Core capital (leverage) ratio | 8.5038% | 5,279 |
| Tier 1 risk-based capital ratio | 11.9823% | 4,962 |
| Total risk-based capital ratio | 13.2358% | 4,913 |
| Memoranda: | ||
| Average total assets | $1,078,942,000 | 626 |
| Average earning assets | $971,408,400 | 618 |
| Average equity | $111,025,000 | 591 |
| Average total loans | $812,696,400 | 568 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4088% | 915 |
| Cost of funding earning assets | 1.8738% | 4,023 |
| Net interest margin | 4.5350% | 1,111 |
| Noninterest income to average assets | 0.8953% | 1,997 |
| Noninterest expense to average assets | 3.4044% | 2,563 |
| Loan and lease loss provision to assets | 0.4196% | 3,811 |
| Net operating income to assets | 0.7675% | 2,950 |
| Return on assets (ROA) | 0.8865% | 2,546 |
| Pretax return on assets | 1.3277% | 1,887 |
| Return on Equity (ROE) | 8.5082% | 2,445 |
| Retained earnings to average equity (ytd only) | -0.4390% | 5,328 |
| Net charge-offs to loans | 0.3727% | 3,783 |
| Credit loss provision to net charge-offs | 146.4642% | 3,313 |
| Earnings coverage of net charge-offs (x) | 5.4785% | 2,808 |
| Efficiency ratio | 67.7854% | 5,021 |
| Assets per employee ($millions) | 2.9396% | 6,309 |
| Cash dividends to net income (ytd only)* | 105.1598% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 4,070 |
| Loan loss allowance to noncurrent loans | 79.5087% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.6067% | 3,940 |
| Noncurrent loans to loans | 1.7344% | 4,033 |
| Net loans and leases to total assets | 72.7001% | 2,859 |
| Net loans and leases to deposits | 87.7991% | 3,007 |
| Net loans and leases to core deposits | 101.8868% | 4,166 |
| Total domestic deposits to total assets | 82.8027% | 4,321 |
| Equity capital to assets | 10.4530% | 3,567 |
| Core capital (leverage) ratio | 8.6544% | 5,215 |
| Tier 1 risk-based capital ratio | 12.2146% | 4,777 |
| Total risk-based capital ratio | 13.4660% | 4,725 |
| Memoranda: | ||
| Average total assets | $1,072,634,250 | 636 |
| Average earning assets | $964,718,750 | 639 |
| Average equity | $111,764,500 | 595 |
| Average total loans | $824,516,750 | 577 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3834% | 1,041 |
| Cost of funding earning assets | 1.9544% | 3,983 |
| Net interest margin | 4.4290% | 1,340 |
| Noninterest income to average assets | 0.9160% | 1,915 |
| Noninterest expense to average assets | 3.3305% | 2,851 |
| Loan and lease loss provision to assets | 0.5014% | 3,030 |
| Net operating income to assets | 0.7149% | 3,186 |
| Return on assets (ROA) | 0.7526% | 3,137 |
| Pretax return on assets | 1.1310% | 2,532 |
| Return on Equity (ROE) | 7.2308% | 3,096 |
| Retained earnings to average equity (ytd only) | -1.7271% | 5,674 |
| Net charge-offs to loans | 0.4126% | 3,144 |
| Credit loss provision to net charge-offs | 155.9745% | 2,948 |
| Earnings coverage of net charge-offs (x) | 4.9026% | 2,967 |
| Efficiency ratio | 67.1177% | 5,339 |
| Assets per employee ($millions) | 2.9061% | 6,367 |
| Cash dividends to net income (ytd only)* | 123.8850% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,187 |
| Loan loss allowance to noncurrent loans | 78.0758% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.5920% | 3,828 |
| Noncurrent loans to loans | 1.6842% | 3,975 |
| Net loans and leases to total assets | 74.1825% | 2,658 |
| Net loans and leases to deposits | 90.9597% | 2,664 |
| Net loans and leases to core deposits | 103.8164% | 4,084 |
| Total domestic deposits to total assets | 81.5554% | 4,873 |
| Equity capital to assets | 10.0902% | 3,823 |
| Core capital (leverage) ratio | 8.5201% | 5,408 |
| Tier 1 risk-based capital ratio | 11.3861% | 5,512 |
| Total risk-based capital ratio | 12.6378% | 5,415 |
| Memoranda: | ||
| Average total assets | $1,072,523,670 | 653 |
| Average earning assets | $966,353,330 | 652 |
| Average equity | $111,633,670 | 606 |
| Average total loans | $835,704,330 | 587 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3660% | 1,137 |
| Cost of funding earning assets | 2.1023% | 3,635 |
| Net interest margin | 4.2637% | 1,691 |
| Noninterest income to average assets | 0.9055% | 1,826 |
| Noninterest expense to average assets | 3.1757% | 3,092 |
| Loan and lease loss provision to assets | 0.1837% | 4,603 |
| Net operating income to assets | 0.9072% | 2,674 |
| Return on assets (ROA) | 0.9552% | 2,624 |
| Pretax return on assets | 1.4480% | 1,820 |
| Return on Equity (ROE) | 9.0347% | 2,703 |
| Retained earnings to average equity (ytd only) | 1.9123% | 4,789 |
| Net charge-offs to loans | 0.2155% | 3,353 |
| Credit loss provision to net charge-offs | 107.4890% | 3,563 |
| Earnings coverage of net charge-offs (x) | 9.1211% | 2,104 |
| Efficiency ratio | 66.5156% | 5,229 |
| Assets per employee ($millions) | 2.8811% | 6,457 |
| Cash dividends to net income (ytd only)* | 78.8333% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 4,947 |
| Loan loss allowance to noncurrent loans | 70.0547% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.6343% | 3,457 |
| Noncurrent loans to loans | 1.6813% | 3,735 |
| Net loans and leases to total assets | 78.1068% | 1,799 |
| Net loans and leases to deposits | 92.9597% | 2,440 |
| Net loans and leases to core deposits | 106.0431% | 3,904 |
| Total domestic deposits to total assets | 84.0222% | 3,691 |
| Equity capital to assets | 10.6261% | 3,352 |
| Core capital (leverage) ratio | 8.7271% | 5,104 |
| Tier 1 risk-based capital ratio | 11.4854% | 5,428 |
| Total risk-based capital ratio | 12.7002% | 5,355 |
| Memoranda: | ||
| Average total assets | $1,062,439,000 | 655 |
| Average earning assets | $954,195,000 | 660 |
| Average equity | $112,323,000 | 601 |
| Average total loans | $842,862,500 | 587 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9320% | 1,303 |
| Cost of funding earning assets | 2.6768% | 3,283 |
| Net interest margin | 4.2552% | 2,106 |
| Noninterest income to average assets | 1.0807% | 1,351 |
| Noninterest expense to average assets | 3.1525% | 3,505 |
| Loan and lease loss provision to assets | 0.1580% | 5,350 |
| Net operating income to assets | 1.0543% | 2,335 |
| Return on assets (ROA) | 1.1077% | 2,031 |
| Pretax return on assets | 1.6914% | 1,162 |
| Return on Equity (ROE) | 10.3160% | 2,153 |
| Retained earnings to average equity (ytd only) | 2.6444% | 3,538 |
| Net charge-offs to loans | 0.2797% | 3,534 |
| Credit loss provision to net charge-offs | 71.9329% | 6,044 |
| Earnings coverage of net charge-offs (x) | 8.0477% | 2,952 |
| Efficiency ratio | 63.5859% | 5,652 |
| Assets per employee ($millions) | 3.0593% | 5,899 |
| Cash dividends to net income (ytd only)* | 74.3657% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 4,842 |
| Loan loss allowance to noncurrent loans | 86.0317% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 4,146 |
| Noncurrent loans to loans | 1.3486% | 3,825 |
| Net loans and leases to total assets | 78.7028% | 1,956 |
| Net loans and leases to deposits | 99.4060% | 1,921 |
| Net loans and leases to core deposits | 113.6565% | 3,379 |
| Total domestic deposits to total assets | 79.1731% | 5,309 |
| Equity capital to assets | 10.5185% | 3,481 |
| Core capital (leverage) ratio | 8.8430% | 4,978 |
| Tier 1 risk-based capital ratio | 11.5232% | 5,219 |
| Total risk-based capital ratio | 12.7658% | 5,123 |
| Memoranda: | ||
| Average total assets | $1,031,894,000 | 643 |
| Average earning assets | $930,960,200 | 643 |
| Average equity | $110,798,400 | 608 |
| Average total loans | $810,287,200 | 583 |