Home > Habib American Bank > Performance and Condition Ratios
Habib American Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 2,002 |
| Cost of funding earning assets | 3.0314% | 136 |
| Net interest margin | 2.0053% | 4,408 |
| Noninterest income to average assets | 1.0000% | 640 |
| Noninterest expense to average assets | 1.7107% | 4,122 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8187% | 2,808 |
| Return on assets (ROA) | 0.8199% | 2,787 |
| Pretax return on assets | 1.1767% | 2,197 |
| Return on Equity (ROE) | 8.6100% | 2,861 |
| Retained earnings to average equity (ytd only) | 4.0371% | 2,949 |
| Net charge-offs to loans | -0.0018% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.8334% | 3,206 |
| Assets per employee ($millions) | 13.4183% | 295 |
| Cash dividends to net income (ytd only)* | 53.1378% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,051 |
| Loan loss allowance to noncurrent loans | 511.7182% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 2,285 |
| Noncurrent loans to loans | 0.2931% | 2,126 |
| Net loans and leases to total assets | 63.3500% | 2,531 |
| Net loans and leases to deposits | 75.3457% | 2,515 |
| Net loans and leases to core deposits | 146.8046% | 225 |
| Total domestic deposits to total assets | 61.4300% | 4,426 |
| Equity capital to assets | 9.7959% | 2,129 |
| Core capital (leverage) ratio | 9.4475% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0416% | 1,265 |
| Memoranda: | ||
| Average total assets | $2,295,355,800 | 504 |
| Average earning assets | $2,179,501,800 | 483 |
| Average equity | $218,449,600 | 504 |
| Average total loans | $1,425,051,200 | 539 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9090% | 2,039 |
| Cost of funding earning assets | 2.8322% | 146 |
| Net interest margin | 2.0768% | 4,418 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 1.7085% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8701% | 2,793 |
| Return on assets (ROA) | 0.8666% | 2,793 |
| Pretax return on assets | 1.2439% | 2,188 |
| Return on Equity (ROE) | 9.1700% | 2,883 |
| Retained earnings to average equity (ytd only) | 3.0343% | 3,499 |
| Net charge-offs to loans | -0.0017% | 3,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.7834% | 3,231 |
| Assets per employee ($millions) | 14.9192% | 204 |
| Cash dividends to net income (ytd only)* | 66.9210% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,130 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.6900% | 2,971 |
| Net loans and leases to deposits | 69.0090% | 2,914 |
| Net loans and leases to core deposits | 141.0558% | 210 |
| Total domestic deposits to total assets | 59.5700% | 4,464 |
| Equity capital to assets | 9.0669% | 2,380 |
| Core capital (leverage) ratio | 8.9875% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0698% | 1,303 |
| Memoranda: | ||
| Average total assets | $2,298,915,250 | 507 |
| Average earning assets | $2,184,515,500 | 487 |
| Average equity | $217,198,250 | 503 |
| Average total loans | $1,414,514,000 | 542 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 2,031 |
| Cost of funding earning assets | 2.5751% | 167 |
| Net interest margin | 2.2074% | 4,418 |
| Noninterest income to average assets | 0.9900% | 576 |
| Noninterest expense to average assets | 1.7612% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9215% | 2,685 |
| Return on assets (ROA) | 0.9211% | 2,667 |
| Pretax return on assets | 1.3219% | 2,012 |
| Return on Equity (ROE) | 9.6100% | 2,814 |
| Retained earnings to average equity (ytd only) | 0.3750% | 4,009 |
| Net charge-offs to loans | -0.0004% | 3,388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.1125% | 3,285 |
| Assets per employee ($millions) | 14.2308% | 222 |
| Cash dividends to net income (ytd only)* | 96.0984% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 1,103 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 59.3600% | 2,831 |
| Net loans and leases to deposits | 69.9048% | 2,793 |
| Net loans and leases to core deposits | 156.6100% | 114 |
| Total domestic deposits to total assets | 60.9100% | 4,479 |
| Equity capital to assets | 9.2082% | 2,370 |
| Core capital (leverage) ratio | 9.5531% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1896% | 1,280 |
| Memoranda: | ||
| Average total assets | $2,259,585,000 | 498 |
| Average earning assets | $2,147,130,000 | 483 |
| Average equity | $216,551,667 | 495 |
| Average total loans | $1,405,995,000 | 531 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 1,906 |
| Cost of funding earning assets | 2.2726% | 163 |
| Net interest margin | 2.4042% | 4,381 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 1.7982% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9989% | 2,529 |
| Return on assets (ROA) | 1.0029% | 2,485 |
| Pretax return on assets | 1.4395% | 1,791 |
| Return on Equity (ROE) | 10.2500% | 2,712 |
| Retained earnings to average equity (ytd only) | 10.2533% | 1,638 |
| Net charge-offs to loans | -0.0003% | 3,262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.6261% | 3,443 |
| Assets per employee ($millions) | 13.3577% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 1,188 |
| Loan loss allowance to noncurrent loans | 10,689.0547% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 3,787 |
| Noncurrent loans to loans | 0.0143% | 3,712 |
| Net loans and leases to total assets | 61.4700% | 2,515 |
| Net loans and leases to deposits | 73.1058% | 2,375 |
| Net loans and leases to core deposits | 156.2784% | 104 |
| Total domestic deposits to total assets | 62.6400% | 4,527 |
| Equity capital to assets | 9.7577% | 1,955 |
| Core capital (leverage) ratio | 9.9718% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5386% | 1,256 |
| Memoranda: | ||
| Average total assets | $2,222,455,000 | 511 |
| Average earning assets | $2,113,174,500 | 496 |
| Average equity | $217,374,500 | 499 |
| Average total loans | $1,405,597,000 | 537 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 2,848 |
| Cost of funding earning assets | 0.8621% | 302 |
| Net interest margin | 2.7211% | 4,031 |
| Noninterest income to average assets | 1.1700% | 494 |
| Noninterest expense to average assets | 1.7002% | 4,180 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.3620% | 1,239 |
| Return on assets (ROA) | 1.3512% | 1,235 |
| Pretax return on assets | 1.9386% | 534 |
| Return on Equity (ROE) | 13.5700% | 1,636 |
| Retained earnings to average equity (ytd only) | 8.7087% | 1,564 |
| Net charge-offs to loans | 0.0649% | 999 |
| Credit loss provision to net charge-offs | 271.2264% | 962 |
| Earnings coverage of net charge-offs (x) | 50.2689% | 1,357 |
| Efficiency ratio | 45.1716% | 4,387 |
| Assets per employee ($millions) | 13.5028% | 272 |
| Cash dividends to net income (ytd only)* | 35.8282% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,113 |
| Loan loss allowance to noncurrent loans | 2,486.5741% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 3,405 |
| Noncurrent loans to loans | 0.0616% | 3,308 |
| Net loans and leases to total assets | 63.1100% | 2,320 |
| Net loans and leases to deposits | 75.0106% | 2,178 |
| Net loans and leases to core deposits | 140.6676% | 141 |
| Total domestic deposits to total assets | 63.9600% | 4,545 |
| Equity capital to assets | 9.8047% | 1,823 |
| Core capital (leverage) ratio | 10.1548% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3962% | 1,266 |
| Memoranda: | ||
| Average total assets | $2,065,646,800 | 531 |
| Average earning assets | $1,968,957,600 | 511 |
| Average equity | $205,667,800 | 515 |
| Average total loans | $1,306,766,200 | 537 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3486% | 3,055 |
| Cost of funding earning assets | 0.5756% | 499 |
| Net interest margin | 2.7730% | 3,794 |
| Noninterest income to average assets | 1.2100% | 502 |
| Noninterest expense to average assets | 1.7532% | 4,071 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.4265% | 1,015 |
| Return on assets (ROA) | 1.4161% | 1,014 |
| Pretax return on assets | 2.0323% | 438 |
| Return on Equity (ROE) | 14.1600% | 1,385 |
| Retained earnings to average equity (ytd only) | 7.6119% | 2,148 |
| Net charge-offs to loans | 0.0574% | 907 |
| Credit loss provision to net charge-offs | 163.0435% | 1,088 |
| Earnings coverage of net charge-offs (x) | 58.1920% | 1,184 |
| Efficiency ratio | 45.4478% | 4,405 |
| Assets per employee ($millions) | 12.3017% | 351 |
| Cash dividends to net income (ytd only)* | 46.2620% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,279 |
| Loan loss allowance to noncurrent loans | 3,544.3478% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,388 |
| Noncurrent loans to loans | 0.0424% | 3,586 |
| Net loans and leases to total assets | 69.1400% | 1,556 |
| Net loans and leases to deposits | 83.9981% | 1,300 |
| Net loans and leases to core deposits | 136.7275% | 117 |
| Total domestic deposits to total assets | 66.7400% | 4,576 |
| Equity capital to assets | 10.7616% | 1,268 |
| Core capital (leverage) ratio | 9.9975% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4275% | 1,309 |
| Memoranda: | ||
| Average total assets | $2,035,194,750 | 539 |
| Average earning assets | $1,940,766,250 | 516 |
| Average equity | $203,466,250 | 519 |
| Average total loans | $1,282,966,500 | 541 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0428% | 3,446 |
| Cost of funding earning assets | 0.3732% | 1,091 |
| Net interest margin | 2.6696% | 3,768 |
| Noninterest income to average assets | 1.2222% | 459 |
| Noninterest expense to average assets | 1.6686% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4681% | 763 |
| Return on assets (ROA) | 1.4643% | 749 |
| Pretax return on assets | 2.1014% | 294 |
| Return on Equity (ROE) | 15.0035% | 893 |
| Retained earnings to average equity (ytd only) | 5.1028% | 2,669 |
| Net charge-offs to loans | 0.0879% | 630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 39.4159% | 1,266 |
| Efficiency ratio | 44.2033% | 4,518 |
| Assets per employee ($millions) | 13.6230% | 256 |
| Cash dividends to net income (ytd only)* | 65.9892% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 1,477 |
| Loan loss allowance to noncurrent loans | 1,110.5473% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 3,013 |
| Noncurrent loans to loans | 0.1327% | 3,049 |
| Net loans and leases to total assets | 60.1271% | 2,313 |
| Net loans and leases to deposits | 71.0516% | 2,105 |
| Net loans and leases to core deposits | 126.4180% | 142 |
| Total domestic deposits to total assets | 61.6664% | 4,682 |
| Equity capital to assets | 9.3370% | 2,135 |
| Core capital (leverage) ratio | 9.4139% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5666% | 1,295 |
| Memoranda: | ||
| Average total assets | $2,069,806,000 | 529 |
| Average earning assets | $1,979,031,667 | 511 |
| Average equity | $202,006,333 | 527 |
| Average total loans | $1,258,685,333 | 542 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9743% | 3,330 |
| Cost of funding earning assets | 0.2946% | 1,701 |
| Net interest margin | 2.6797% | 3,450 |
| Noninterest income to average assets | 1.2716% | 441 |
| Noninterest expense to average assets | 1.8834% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3607% | 881 |
| Return on assets (ROA) | 1.3607% | 868 |
| Pretax return on assets | 1.9526% | 401 |
| Return on Equity (ROE) | 13.6254% | 907 |
| Retained earnings to average equity (ytd only) | 13.6254% | 406 |
| Net charge-offs to loans | -0.0039% | 3,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0974% | 4,356 |
| Assets per employee ($millions) | 12.9707% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 1,309 |
| Loan loss allowance to noncurrent loans | 623.2276% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 2,590 |
| Noncurrent loans to loans | 0.2548% | 2,569 |
| Net loans and leases to total assets | 59.1101% | 2,178 |
| Net loans and leases to deposits | 70.4664% | 1,923 |
| Net loans and leases to core deposits | 120.1441% | 147 |
| Total domestic deposits to total assets | 60.0495% | 4,726 |
| Equity capital to assets | 9.7470% | 2,092 |
| Core capital (leverage) ratio | 9.3897% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5127% | 1,140 |
| Memoranda: | ||
| Average total assets | $2,021,679,000 | 549 |
| Average earning assets | $1,934,705,500 | 527 |
| Average equity | $201,887,500 | 543 |
| Average total loans | $1,227,093,500 | 547 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8621% | 4,116 |
| Cost of funding earning assets | 0.3614% | 1,844 |
| Net interest margin | 2.5007% | 4,188 |
| Noninterest income to average assets | 1.4634% | 523 |
| Noninterest expense to average assets | 1.9256% | 3,865 |
| Loan and lease loss provision to assets | 0.0389% | 2,268 |
| Net operating income to assets | 1.3175% | 1,557 |
| Return on assets (ROA) | 1.3146% | 1,602 |
| Pretax return on assets | 1.8861% | 746 |
| Return on Equity (ROE) | 13.4254% | 1,337 |
| Retained earnings to average equity (ytd only) | 9.4554% | 1,061 |
| Net charge-offs to loans | -0.0008% | 3,263 |
| Credit loss provision to net charge-offs | -8,333.3333% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9610% | 4,285 |
| Assets per employee ($millions) | 12.4494% | 358 |
| Cash dividends to net income (ytd only)* | 29.5706% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 1,088 |
| Loan loss allowance to noncurrent loans | 666.8442% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 2,712 |
| Noncurrent loans to loans | 0.2520% | 2,717 |
| Net loans and leases to total assets | 60.3499% | 2,124 |
| Net loans and leases to deposits | 72.5155% | 1,866 |
| Net loans and leases to core deposits | 116.0162% | 201 |
| Total domestic deposits to total assets | 62.4563% | 4,756 |
| Equity capital to assets | 10.2448% | 2,425 |
| Core capital (leverage) ratio | 9.5466% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8872% | 1,069 |
| Memoranda: | ||
| Average total assets | $1,929,340,600 | 556 |
| Average earning assets | $1,844,639,000 | 537 |
| Average equity | $188,918,400 | 572 |
| Average total loans | $1,129,723,200 | 589 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8176% | 4,281 |
| Cost of funding earning assets | 0.3873% | 1,804 |
| Net interest margin | 2.4303% | 4,364 |
| Noninterest income to average assets | 1.4683% | 563 |
| Noninterest expense to average assets | 2.0029% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2472% | 1,999 |
| Return on assets (ROA) | 1.2447% | 2,072 |
| Pretax return on assets | 1.7858% | 1,191 |
| Return on Equity (ROE) | 12.8612% | 1,739 |
| Retained earnings to average equity (ytd only) | 7.4967% | 2,224 |
| Net charge-offs to loans | -0.0004% | 3,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8204% | 3,942 |
| Assets per employee ($millions) | 12.8615% | 314 |
| Cash dividends to net income (ytd only)* | 41.7107% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 1,212 |
| Loan loss allowance to noncurrent loans | 623.3829% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 2,758 |
| Noncurrent loans to loans | 0.2655% | 2,859 |
| Net loans and leases to total assets | 58.9698% | 2,373 |
| Net loans and leases to deposits | 70.8762% | 2,156 |
| Net loans and leases to core deposits | 117.6408% | 208 |
| Total domestic deposits to total assets | 60.7541% | 4,833 |
| Equity capital to assets | 9.8742% | 3,023 |
| Core capital (leverage) ratio | 9.5115% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5602% | 1,233 |
| Memoranda: | ||
| Average total assets | $1,926,148,000 | 558 |
| Average earning assets | $1,841,592,500 | 541 |
| Average equity | $186,406,500 | 585 |
| Average total loans | $1,114,130,500 | 605 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7633% | 4,396 |
| Cost of funding earning assets | 0.4242% | 1,705 |
| Net interest margin | 2.3391% | 4,478 |
| Noninterest income to average assets | 1.4887% | 548 |
| Noninterest expense to average assets | 2.0488% | 3,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1691% | 2,301 |
| Return on assets (ROA) | 1.1660% | 2,370 |
| Pretax return on assets | 1.6728% | 1,549 |
| Return on Equity (ROE) | 12.1309% | 2,010 |
| Retained earnings to average equity (ytd only) | 4.0061% | 3,514 |
| Net charge-offs to loans | 0.0024% | 2,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,238.7692% | 102 |
| Efficiency ratio | 54.9929% | 3,678 |
| Assets per employee ($millions) | 12.5773% | 309 |
| Cash dividends to net income (ytd only)* | 66.9762% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 1,064 |
| Loan loss allowance to noncurrent loans | 493.4666% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 2,908 |
| Noncurrent loans to loans | 0.3439% | 2,674 |
| Net loans and leases to total assets | 59.1448% | 2,526 |
| Net loans and leases to deposits | 71.0322% | 2,297 |
| Net loans and leases to core deposits | 118.9198% | 229 |
| Total domestic deposits to total assets | 61.0649% | 4,864 |
| Equity capital to assets | 9.8056% | 3,048 |
| Core capital (leverage) ratio | 9.2773% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3108% | 1,263 |
| Memoranda: | ||
| Average total assets | $1,920,836,000 | 551 |
| Average earning assets | $1,836,844,333 | 533 |
| Average equity | $184,620,000 | 585 |
| Average total loans | $1,097,334,667 | 614 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7728% | 4,401 |
| Cost of funding earning assets | 0.4787% | 1,532 |
| Net interest margin | 2.2941% | 4,532 |
| Noninterest income to average assets | 1.4855% | 611 |
| Noninterest expense to average assets | 1.8603% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2701% | 1,921 |
| Return on assets (ROA) | 1.2636% | 2,013 |
| Pretax return on assets | 1.8130% | 1,268 |
| Return on Equity (ROE) | 13.2774% | 1,598 |
| Retained earnings to average equity (ytd only) | 13.2774% | 861 |
| Net charge-offs to loans | -0.0004% | 3,008 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5298% | 4,144 |
| Assets per employee ($millions) | 12.1879% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 910 |
| Loan loss allowance to noncurrent loans | 288.7341% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 2,397 |
| Noncurrent loans to loans | 0.6146% | 2,033 |
| Net loans and leases to total assets | 56.1118% | 3,024 |
| Net loans and leases to deposits | 67.0227% | 2,807 |
| Net loans and leases to core deposits | 113.6309% | 333 |
| Total domestic deposits to total assets | 62.2601% | 4,873 |
| Equity capital to assets | 9.8537% | 2,842 |
| Core capital (leverage) ratio | 9.4264% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3547% | 1,016 |
| Memoranda: | ||
| Average total assets | $1,937,957,500 | 538 |
| Average earning assets | $1,855,189,000 | 523 |
| Average equity | $184,434,000 | 581 |
| Average total loans | $1,078,461,000 | 626 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1436% | 4,513 |
| Cost of funding earning assets | 0.9546% | 704 |
| Net interest margin | 2.1889% | 4,768 |
| Noninterest income to average assets | 1.3807% | 609 |
| Noninterest expense to average assets | 1.7801% | 4,502 |
| Loan and lease loss provision to assets | 0.2428% | 1,602 |
| Net operating income to assets | 1.0207% | 2,213 |
| Return on assets (ROA) | 1.0228% | 2,350 |
| Pretax return on assets | 1.4674% | 1,447 |
| Return on Equity (ROE) | 11.0510% | 1,608 |
| Retained earnings to average equity (ytd only) | 11.0510% | 430 |
| Net charge-offs to loans | 0.0077% | 3,058 |
| Credit loss provision to net charge-offs | 5,555.5556% | 192 |
| Earnings coverage of net charge-offs (x) | 390.7284% | 282 |
| Efficiency ratio | 51.0411% | 4,467 |
| Assets per employee ($millions) | 13.1640% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 856 |
| Loan loss allowance to noncurrent loans | 342.8571% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 2,873 |
| Noncurrent loans to loans | 0.5249% | 2,402 |
| Net loans and leases to total assets | 53.2521% | 3,556 |
| Net loans and leases to deposits | 62.9915% | 3,520 |
| Net loans and leases to core deposits | 119.4177% | 316 |
| Total domestic deposits to total assets | 57.1072% | 4,926 |
| Equity capital to assets | 9.1926% | 3,897 |
| Core capital (leverage) ratio | 9.5335% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0646% | 1,045 |
| Memoranda: | ||
| Average total assets | $1,853,519,000 | 511 |
| Average earning assets | $1,784,062,000 | 491 |
| Average equity | $171,541,600 | 591 |
| Average total loans | $1,054,298,400 | 606 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2491% | 4,535 |
| Cost of funding earning assets | 1.0739% | 587 |
| Net interest margin | 2.1752% | 4,826 |
| Noninterest income to average assets | 1.3417% | 610 |
| Noninterest expense to average assets | 1.8068% | 4,486 |
| Loan and lease loss provision to assets | 0.3291% | 1,185 |
| Net operating income to assets | 0.9008% | 2,706 |
| Return on assets (ROA) | 0.9008% | 2,826 |
| Pretax return on assets | 1.3022% | 2,039 |
| Return on Equity (ROE) | 9.7154% | 2,128 |
| Retained earnings to average equity (ytd only) | 9.7154% | 826 |
| Net charge-offs to loans | 0.0046% | 2,986 |
| Credit loss provision to net charge-offs | 12,500.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 619.6389% | 197 |
| Efficiency ratio | 52.5534% | 4,292 |
| Assets per employee ($millions) | 12.7806% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 715 |
| Loan loss allowance to noncurrent loans | 350.1994% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 2,923 |
| Noncurrent loans to loans | 0.5152% | 2,511 |
| Net loans and leases to total assets | 58.7593% | 3,343 |
| Net loans and leases to deposits | 70.7521% | 3,239 |
| Net loans and leases to core deposits | 117.8504% | 458 |
| Total domestic deposits to total assets | 64.5316% | 4,879 |
| Equity capital to assets | 9.7764% | 3,453 |
| Core capital (leverage) ratio | 9.1867% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3492% | 1,175 |
| Memoranda: | ||
| Average total assets | $1,823,248,750 | 512 |
| Average earning assets | $1,757,174,000 | 489 |
| Average equity | $169,047,500 | 594 |
| Average total loans | $1,050,176,250 | 603 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2967% | 4,655 |
| Cost of funding earning assets | 1.1825% | 535 |
| Net interest margin | 2.1142% | 4,915 |
| Noninterest income to average assets | 1.2692% | 632 |
| Noninterest expense to average assets | 1.7707% | 4,602 |
| Loan and lease loss provision to assets | 0.2453% | 1,716 |
| Net operating income to assets | 0.9044% | 2,673 |
| Return on assets (ROA) | 0.9044% | 2,799 |
| Pretax return on assets | 1.2976% | 2,035 |
| Return on Equity (ROE) | 9.9301% | 2,005 |
| Retained earnings to average equity (ytd only) | 9.9301% | 803 |
| Net charge-offs to loans | 0.0117% | 2,542 |
| Credit loss provision to net charge-offs | 3,688.5246% | 298 |
| Earnings coverage of net charge-offs (x) | 232.0164% | 392 |
| Efficiency ratio | 53.4364% | 4,238 |
| Assets per employee ($millions) | 12.3807% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 964 |
| Loan loss allowance to noncurrent loans | 310.8537% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 3,129 |
| Noncurrent loans to loans | 0.5206% | 2,600 |
| Net loans and leases to total assets | 55.7895% | 3,707 |
| Net loans and leases to deposits | 66.3640% | 3,690 |
| Net loans and leases to core deposits | 117.8923% | 478 |
| Total domestic deposits to total assets | 63.5036% | 4,923 |
| Equity capital to assets | 9.2050% | 3,920 |
| Core capital (leverage) ratio | 9.0937% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2160% | 1,202 |
| Memoranda: | ||
| Average total assets | $1,834,570,000 | 500 |
| Average earning assets | $1,773,994,667 | 477 |
| Average equity | $167,087,667 | 599 |
| Average total loans | $1,043,338,667 | 592 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5730% | 4,560 |
| Cost of funding earning assets | 1.3728% | 448 |
| Net interest margin | 2.2001% | 4,960 |
| Noninterest income to average assets | 1.3961% | 454 |
| Noninterest expense to average assets | 1.7886% | 4,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1972% | 1,525 |
| Return on assets (ROA) | 1.1972% | 1,639 |
| Pretax return on assets | 1.7469% | 776 |
| Return on Equity (ROE) | 13.2164% | 843 |
| Retained earnings to average equity (ytd only) | 13.2164% | 302 |
| Net charge-offs to loans | -0.0050% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5895% | 4,632 |
| Assets per employee ($millions) | 12.5006% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 1,609 |
| Loan loss allowance to noncurrent loans | 741.8164% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 4,050 |
| Noncurrent loans to loans | 0.1921% | 3,792 |
| Net loans and leases to total assets | 58.7631% | 3,613 |
| Net loans and leases to deposits | 66.0323% | 3,861 |
| Net loans and leases to core deposits | 106.9623% | 1,002 |
| Total domestic deposits to total assets | 72.9602% | 4,727 |
| Equity capital to assets | 9.5919% | 4,138 |
| Core capital (leverage) ratio | 8.5357% | 4,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3568% | 1,262 |
| Memoranda: | ||
| Average total assets | $1,823,304,500 | 483 |
| Average earning assets | $1,772,975,500 | 462 |
| Average equity | $165,158,000 | 600 |
| Average total loans | $1,038,453,500 | 577 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 4,591 |
| Cost of funding earning assets | 1.6467% | 245 |
| Net interest margin | 2.1312% | 5,073 |
| Noninterest income to average assets | 1.5017% | 412 |
| Noninterest expense to average assets | 1.7437% | 4,835 |
| Loan and lease loss provision to assets | 0.0282% | 3,453 |
| Net operating income to assets | 1.2283% | 1,954 |
| Return on assets (ROA) | 1.2286% | 2,043 |
| Pretax return on assets | 1.8067% | 920 |
| Return on Equity (ROE) | 14.3626% | 828 |
| Retained earnings to average equity (ytd only) | 14.3626% | 109 |
| Net charge-offs to loans | 0.0323% | 2,742 |
| Credit loss provision to net charge-offs | 158.2278% | 1,626 |
| Earnings coverage of net charge-offs (x) | 102.9019% | 663 |
| Efficiency ratio | 48.7300% | 4,795 |
| Assets per employee ($millions) | 13.5466% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 1,404 |
| Loan loss allowance to noncurrent loans | 818.3471% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 4,144 |
| Noncurrent loans to loans | 0.1756% | 3,832 |
| Net loans and leases to total assets | 53.7185% | 4,093 |
| Net loans and leases to deposits | 59.6547% | 4,308 |
| Net loans and leases to core deposits | 116.9354% | 567 |
| Total domestic deposits to total assets | 61.6487% | 5,074 |
| Equity capital to assets | 8.5657% | 4,885 |
| Core capital (leverage) ratio | 8.4109% | 4,887 |
| Tier 1 risk-based capital ratio | 15.8021% | 2,474 |
| Total risk-based capital ratio | 17.0548% | 2,413 |
| Memoranda: | ||
| Average total assets | $1,772,471,000 | 477 |
| Average earning assets | $1,726,941,600 | 451 |
| Average equity | $151,616,200 | 614 |
| Average total loans | $978,204,400 | 588 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8580% | 4,595 |
| Cost of funding earning assets | 1.6884% | 209 |
| Net interest margin | 2.1696% | 5,154 |
| Noninterest income to average assets | 1.5118% | 400 |
| Noninterest expense to average assets | 1.7639% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2660% | 1,966 |
| Return on assets (ROA) | 1.2660% | 2,040 |
| Pretax return on assets | 1.8618% | 957 |
| Return on Equity (ROE) | 14.8061% | 821 |
| Retained earnings to average equity (ytd only) | 14.8061% | 161 |
| Net charge-offs to loans | -0.0292% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6496% | 4,814 |
| Assets per employee ($millions) | 13.1053% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,182 |
| Loan loss allowance to noncurrent loans | 651.8178% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 4,103 |
| Noncurrent loans to loans | 0.2340% | 3,703 |
| Net loans and leases to total assets | 52.3619% | 4,296 |
| Net loans and leases to deposits | 58.2635% | 4,465 |
| Net loans and leases to core deposits | 110.8654% | 906 |
| Total domestic deposits to total assets | 63.0910% | 5,140 |
| Equity capital to assets | 8.5677% | 4,970 |
| Core capital (leverage) ratio | 8.3378% | 5,014 |
| Tier 1 risk-based capital ratio | 16.0984% | 2,393 |
| Total risk-based capital ratio | 17.3522% | 2,334 |
| Memoranda: | ||
| Average total assets | $1,741,456,750 | 488 |
| Average earning assets | $1,696,776,750 | 458 |
| Average equity | $148,907,750 | 626 |
| Average total loans | $964,345,750 | 598 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 4,586 |
| Cost of funding earning assets | 1.6563% | 225 |
| Net interest margin | 2.2254% | 5,204 |
| Noninterest income to average assets | 1.5550% | 379 |
| Noninterest expense to average assets | 1.8022% | 4,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3077% | 1,740 |
| Return on assets (ROA) | 1.3077% | 1,807 |
| Pretax return on assets | 1.9230% | 795 |
| Return on Equity (ROE) | 15.3039% | 700 |
| Retained earnings to average equity (ytd only) | 15.3039% | 158 |
| Net charge-offs to loans | -0.0416% | 4,780 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3787% | 4,878 |
| Assets per employee ($millions) | 12.6399% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,245 |
| Loan loss allowance to noncurrent loans | 1,391.0196% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,449 |
| Noncurrent loans to loans | 0.1085% | 4,189 |
| Net loans and leases to total assets | 54.8301% | 4,156 |
| Net loans and leases to deposits | 60.9606% | 4,379 |
| Net loans and leases to core deposits | 114.7673% | 743 |
| Total domestic deposits to total assets | 63.7715% | 5,172 |
| Equity capital to assets | 8.5797% | 5,010 |
| Core capital (leverage) ratio | 8.6750% | 4,863 |
| Tier 1 risk-based capital ratio | 15.3233% | 2,697 |
| Total risk-based capital ratio | 16.5768% | 2,625 |
| Memoranda: | ||
| Average total assets | $1,710,362,330 | 495 |
| Average earning assets | $1,667,904,330 | 462 |
| Average equity | $146,145,330 | 633 |
| Average total loans | $960,599,330 | 599 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 4,601 |
| Cost of funding earning assets | 1.5900% | 236 |
| Net interest margin | 2.2828% | 5,260 |
| Noninterest income to average assets | 1.5655% | 353 |
| Noninterest expense to average assets | 1.8684% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3111% | 1,657 |
| Return on assets (ROA) | 1.3111% | 1,699 |
| Pretax return on assets | 1.9279% | 749 |
| Return on Equity (ROE) | 15.3769% | 682 |
| Retained earnings to average equity (ytd only) | 15.3769% | 252 |
| Net charge-offs to loans | -0.0042% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2164% | 4,880 |
| Assets per employee ($millions) | 12.4132% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 1,306 |
| Loan loss allowance to noncurrent loans | 1,079.4853% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 4,414 |
| Noncurrent loans to loans | 0.1399% | 4,113 |
| Net loans and leases to total assets | 55.0885% | 4,132 |
| Net loans and leases to deposits | 61.0858% | 4,352 |
| Net loans and leases to core deposits | 115.8387% | 654 |
| Total domestic deposits to total assets | 63.9153% | 5,243 |
| Equity capital to assets | 8.4070% | 5,040 |
| Core capital (leverage) ratio | 8.7912% | 4,798 |
| Tier 1 risk-based capital ratio | 15.0643% | 2,867 |
| Total risk-based capital ratio | 16.3179% | 2,774 |
| Memoranda: | ||
| Average total assets | $1,680,753,500 | 505 |
| Average earning assets | $1,642,516,000 | 470 |
| Average equity | $143,305,500 | 642 |
| Average total loans | $948,333,000 | 609 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6606% | 4,726 |
| Cost of funding earning assets | 1.3414% | 184 |
| Net interest margin | 2.3191% | 5,278 |
| Noninterest income to average assets | 1.5786% | 381 |
| Noninterest expense to average assets | 1.8834% | 4,917 |
| Loan and lease loss provision to assets | 0.0951% | 2,255 |
| Net operating income to assets | 1.2672% | 1,924 |
| Return on assets (ROA) | 1.2672% | 1,920 |
| Pretax return on assets | 1.8635% | 788 |
| Return on Equity (ROE) | 15.3248% | 764 |
| Retained earnings to average equity (ytd only) | 15.3248% | 106 |
| Net charge-offs to loans | 0.0006% | 3,769 |
| Credit loss provision to net charge-offs | 30,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 6,180.6000% | 8 |
| Efficiency ratio | 49.0226% | 4,995 |
| Assets per employee ($millions) | 11.5942% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 1,055 |
| Loan loss allowance to noncurrent loans | 1,459.7015% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 4,529 |
| Noncurrent loans to loans | 0.1087% | 4,241 |
| Net loans and leases to total assets | 56.0599% | 4,130 |
| Net loans and leases to deposits | 62.3306% | 4,359 |
| Net loans and leases to core deposits | 105.3597% | 1,315 |
| Total domestic deposits to total assets | 69.4334% | 5,172 |
| Equity capital to assets | 8.6275% | 4,857 |
| Core capital (leverage) ratio | 8.7229% | 4,861 |
| Tier 1 risk-based capital ratio | 15.1286% | 2,768 |
| Total risk-based capital ratio | 16.3831% | 2,703 |
| Memoranda: | ||
| Average total assets | $1,577,855,200 | 522 |
| Average earning assets | $1,539,923,200 | 483 |
| Average equity | $130,468,000 | 667 |
| Average total loans | $880,287,800 | 633 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 4,777 |
| Cost of funding earning assets | 1.2883% | 169 |
| Net interest margin | 2.3262% | 5,344 |
| Noninterest income to average assets | 1.5686% | 395 |
| Noninterest expense to average assets | 1.8845% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3544% | 1,645 |
| Return on assets (ROA) | 1.3544% | 1,653 |
| Pretax return on assets | 1.9543% | 719 |
| Return on Equity (ROE) | 16.5660% | 605 |
| Retained earnings to average equity (ytd only) | 16.5660% | 121 |
| Net charge-offs to loans | -0.0288% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0899% | 4,994 |
| Assets per employee ($millions) | 10.7872% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 1,229 |
| Loan loss allowance to noncurrent loans | 2,390.3399% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 4,802 |
| Noncurrent loans to loans | 0.0644% | 4,593 |
| Net loans and leases to total assets | 56.5888% | 4,166 |
| Net loans and leases to deposits | 63.7819% | 4,344 |
| Net loans and leases to core deposits | 99.4691% | 1,833 |
| Total domestic deposits to total assets | 73.6591% | 5,009 |
| Equity capital to assets | 9.0024% | 4,549 |
| Core capital (leverage) ratio | 8.4012% | 5,142 |
| Tier 1 risk-based capital ratio | 15.5313% | 2,641 |
| Total risk-based capital ratio | 16.7850% | 2,570 |
| Memoranda: | ||
| Average total assets | $1,566,522,500 | 521 |
| Average earning assets | $1,528,812,500 | 484 |
| Average equity | $128,074,750 | 671 |
| Average total loans | $869,203,000 | 636 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4375% | 4,987 |
| Cost of funding earning assets | 1.2094% | 179 |
| Net interest margin | 2.2280% | 5,439 |
| Noninterest income to average assets | 1.5692% | 396 |
| Noninterest expense to average assets | 1.8847% | 4,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2890% | 1,819 |
| Return on assets (ROA) | 1.2890% | 1,816 |
| Pretax return on assets | 1.8598% | 865 |
| Return on Equity (ROE) | 16.2888% | 613 |
| Retained earnings to average equity (ytd only) | 16.2888% | 147 |
| Net charge-offs to loans | -0.0129% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3319% | 5,006 |
| Assets per employee ($millions) | 11.2753% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 1,300 |
| Loan loss allowance to noncurrent loans | 257.9953% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,459 |
| Noncurrent loans to loans | 0.5933% | 2,642 |
| Net loans and leases to total assets | 53.9146% | 4,343 |
| Net loans and leases to deposits | 60.0128% | 4,529 |
| Net loans and leases to core deposits | 96.8719% | 1,976 |
| Total domestic deposits to total assets | 72.2967% | 5,159 |
| Equity capital to assets | 8.2528% | 5,101 |
| Core capital (leverage) ratio | 8.0084% | 5,344 |
| Tier 1 risk-based capital ratio | 14.9682% | 2,890 |
| Total risk-based capital ratio | 16.2219% | 2,813 |
| Memoranda: | ||
| Average total assets | $1,585,292,670 | 512 |
| Average earning assets | $1,547,813,670 | 477 |
| Average equity | $125,448,000 | 683 |
| Average total loans | $869,613,000 | 634 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2626% | 5,180 |
| Cost of funding earning assets | 1.1042% | 224 |
| Net interest margin | 2.1584% | 5,516 |
| Noninterest income to average assets | 1.5545% | 403 |
| Noninterest expense to average assets | 1.8783% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2363% | 1,864 |
| Return on assets (ROA) | 1.2363% | 1,875 |
| Pretax return on assets | 1.7841% | 944 |
| Return on Equity (ROE) | 15.9629% | 628 |
| Retained earnings to average equity (ytd only) | 15.9629% | 250 |
| Net charge-offs to loans | -0.0138% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2856% | 5,008 |
| Assets per employee ($millions) | 12.6739% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 1,384 |
| Loan loss allowance to noncurrent loans | 256.0101% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 3,695 |
| Noncurrent loans to loans | 0.5947% | 2,759 |
| Net loans and leases to total assets | 48.1390% | 4,689 |
| Net loans and leases to deposits | 52.6616% | 4,855 |
| Net loans and leases to core deposits | 99.6436% | 1,716 |
| Total domestic deposits to total assets | 63.7892% | 5,487 |
| Equity capital to assets | 7.0697% | 5,503 |
| Core capital (leverage) ratio | 8.0029% | 5,387 |
| Tier 1 risk-based capital ratio | 14.4496% | 3,148 |
| Total risk-based capital ratio | 15.7034% | 3,056 |
| Memoranda: | ||
| Average total assets | $1,588,669,000 | 518 |
| Average earning assets | $1,551,518,500 | 481 |
| Average equity | $123,035,000 | 699 |
| Average total loans | $872,273,000 | 633 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2920% | 5,090 |
| Cost of funding earning assets | 0.8700% | 441 |
| Net interest margin | 2.4220% | 5,449 |
| Noninterest income to average assets | 1.7867% | 351 |
| Noninterest expense to average assets | 2.0656% | 4,850 |
| Loan and lease loss provision to assets | 0.1861% | 1,141 |
| Net operating income to assets | 1.0859% | 1,902 |
| Return on assets (ROA) | 1.0859% | 1,930 |
| Pretax return on assets | 1.8885% | 613 |
| Return on Equity (ROE) | 12.6530% | 1,034 |
| Retained earnings to average equity (ytd only) | 12.6530% | 149 |
| Net charge-offs to loans | -0.0063% | 4,689 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8912% | 5,222 |
| Assets per employee ($millions) | 10.0357% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,401 |
| Loan loss allowance to noncurrent loans | 238.8325% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 3,289 |
| Noncurrent loans to loans | 0.6288% | 2,644 |
| Net loans and leases to total assets | 61.4960% | 3,679 |
| Net loans and leases to deposits | 68.7324% | 3,972 |
| Net loans and leases to core deposits | 107.5629% | 1,172 |
| Total domestic deposits to total assets | 73.6286% | 5,216 |
| Equity capital to assets | 8.7281% | 4,949 |
| Core capital (leverage) ratio | 8.4735% | 5,161 |
| Tier 1 risk-based capital ratio | 13.8775% | 3,431 |
| Total risk-based capital ratio | 15.1309% | 3,336 |
| Memoranda: | ||
| Average total assets | $1,343,088,200 | 576 |
| Average earning assets | $1,305,128,000 | 541 |
| Average equity | $115,260,800 | 708 |
| Average total loans | $788,002,400 | 667 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2253% | 5,203 |
| Cost of funding earning assets | 0.8101% | 541 |
| Net interest margin | 2.4152% | 5,515 |
| Noninterest income to average assets | 1.8169% | 358 |
| Noninterest expense to average assets | 2.0944% | 4,751 |
| Loan and lease loss provision to assets | 0.1456% | 1,441 |
| Net operating income to assets | 1.1070% | 2,055 |
| Return on assets (ROA) | 1.1070% | 2,112 |
| Pretax return on assets | 1.9252% | 646 |
| Return on Equity (ROE) | 12.9581% | 1,069 |
| Retained earnings to average equity (ytd only) | 12.9581% | 225 |
| Net charge-offs to loans | -0.0355% | 5,052 |
| Credit loss provision to net charge-offs | -710.7843% | 4,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2833% | 5,230 |
| Assets per employee ($millions) | 10.2543% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 1,453 |
| Loan loss allowance to noncurrent loans | 265.3771% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 3,770 |
| Noncurrent loans to loans | 0.5739% | 2,977 |
| Net loans and leases to total assets | 55.3098% | 4,295 |
| Net loans and leases to deposits | 62.0932% | 4,503 |
| Net loans and leases to core deposits | 104.2204% | 1,377 |
| Total domestic deposits to total assets | 66.0408% | 5,586 |
| Equity capital to assets | 8.2969% | 5,394 |
| Core capital (leverage) ratio | 8.6955% | 5,067 |
| Tier 1 risk-based capital ratio | 14.6501% | 3,101 |
| Total risk-based capital ratio | 15.9037% | 3,018 |
| Memoranda: | ||
| Average total assets | $1,327,611,500 | 581 |
| Average earning assets | $1,290,900,750 | 548 |
| Average equity | $113,418,750 | 725 |
| Average total loans | $765,705,500 | 687 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1904% | 5,255 |
| Cost of funding earning assets | 0.7958% | 538 |
| Net interest margin | 2.3946% | 5,570 |
| Noninterest income to average assets | 1.8458% | 359 |
| Noninterest expense to average assets | 2.2172% | 4,531 |
| Loan and lease loss provision to assets | 0.0619% | 2,726 |
| Net operating income to assets | 1.0895% | 2,027 |
| Return on assets (ROA) | 1.0895% | 2,082 |
| Pretax return on assets | 1.8948% | 663 |
| Return on Equity (ROE) | 12.6182% | 1,137 |
| Retained earnings to average equity (ytd only) | 12.6182% | 272 |
| Net charge-offs to loans | -0.0364% | 5,037 |
| Credit loss provision to net charge-offs | -291.9708% | 4,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1199% | 5,086 |
| Assets per employee ($millions) | 9.7463% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,933 |
| Loan loss allowance to noncurrent loans | 250.8878% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 3,729 |
| Noncurrent loans to loans | 0.5599% | 3,057 |
| Net loans and leases to total assets | 61.3589% | 3,706 |
| Net loans and leases to deposits | 69.5867% | 3,940 |
| Net loans and leases to core deposits | 104.6871% | 1,313 |
| Total domestic deposits to total assets | 72.2119% | 5,440 |
| Equity capital to assets | 9.0164% | 4,882 |
| Core capital (leverage) ratio | 8.7231% | 5,030 |
| Tier 1 risk-based capital ratio | 14.6295% | 3,097 |
| Total risk-based capital ratio | 15.8820% | 3,015 |
| Memoranda: | ||
| Average total assets | $1,291,615,330 | 597 |
| Average earning assets | $1,255,810,670 | 565 |
| Average equity | $111,521,330 | 741 |
| Average total loans | $752,171,670 | 702 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0632% | 5,400 |
| Cost of funding earning assets | 0.7568% | 626 |
| Net interest margin | 2.3064% | 5,660 |
| Noninterest income to average assets | 1.8124% | 360 |
| Noninterest expense to average assets | 2.2801% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0211% | 2,223 |
| Return on assets (ROA) | 1.0211% | 2,276 |
| Pretax return on assets | 1.7761% | 843 |
| Return on Equity (ROE) | 12.0886% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.0886% | 463 |
| Net charge-offs to loans | -0.0569% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2135% | 4,916 |
| Assets per employee ($millions) | 9.9974% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,902 |
| Loan loss allowance to noncurrent loans | 239.0065% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 3,824 |
| Noncurrent loans to loans | 0.6024% | 3,014 |
| Net loans and leases to total assets | 56.0771% | 4,161 |
| Net loans and leases to deposits | 63.1616% | 4,358 |
| Net loans and leases to core deposits | 94.6119% | 1,920 |
| Total domestic deposits to total assets | 72.9595% | 5,493 |
| Equity capital to assets | 8.5051% | 5,241 |
| Core capital (leverage) ratio | 8.3975% | 5,308 |
| Tier 1 risk-based capital ratio | 14.7243% | 3,103 |
| Total risk-based capital ratio | 15.9768% | 3,030 |
| Memoranda: | ||
| Average total assets | $1,299,041,000 | 593 |
| Average earning assets | $1,263,775,500 | 562 |
| Average equity | $109,723,000 | 751 |
| Average total loans | $730,972,500 | 720 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0248% | 5,484 |
| Cost of funding earning assets | 0.7247% | 723 |
| Net interest margin | 2.3001% | 5,711 |
| Noninterest income to average assets | 1.6486% | 439 |
| Noninterest expense to average assets | 2.1952% | 4,785 |
| Loan and lease loss provision to assets | 0.1243% | 1,995 |
| Net operating income to assets | 0.8966% | 2,844 |
| Return on assets (ROA) | 0.8966% | 2,965 |
| Pretax return on assets | 1.5592% | 1,404 |
| Return on Equity (ROE) | 9.8238% | 2,038 |
| Retained earnings to average equity (ytd only) | 9.8238% | 437 |
| Net charge-offs to loans | 0.0087% | 3,972 |
| Credit loss provision to net charge-offs | 2,413.7931% | 174 |
| Earnings coverage of net charge-offs (x) | 327.0172% | 239 |
| Efficiency ratio | 56.5963% | 5,001 |
| Assets per employee ($millions) | 9.8353% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,742 |
| Loan loss allowance to noncurrent loans | 106,250.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,450 |
| Noncurrent loans to loans | 0.0014% | 5,318 |
| Net loans and leases to total assets | 54.8090% | 4,363 |
| Net loans and leases to deposits | 61.5806% | 4,571 |
| Net loans and leases to core deposits | 93.6482% | 2,139 |
| Total domestic deposits to total assets | 72.1448% | 5,549 |
| Equity capital to assets | 8.3868% | 5,355 |
| Core capital (leverage) ratio | 8.7347% | 5,037 |
| Tier 1 risk-based capital ratio | 14.9376% | 2,992 |
| Total risk-based capital ratio | 16.1907% | 2,929 |
| Memoranda: | ||
| Average total assets | $1,126,648,600 | 637 |
| Average earning assets | $1,092,352,000 | 609 |
| Average equity | $102,821,800 | 769 |
| Average total loans | $669,317,200 | 741 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0759% | 5,497 |
| Cost of funding earning assets | 0.7232% | 732 |
| Net interest margin | 2.3527% | 5,748 |
| Noninterest income to average assets | 1.6407% | 454 |
| Noninterest expense to average assets | 2.3294% | 4,460 |
| Loan and lease loss provision to assets | 0.0614% | 3,007 |
| Net operating income to assets | 0.8792% | 3,013 |
| Return on assets (ROA) | 0.8792% | 3,135 |
| Pretax return on assets | 1.5292% | 1,615 |
| Return on Equity (ROE) | 9.4081% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.4081% | 713 |
| Net charge-offs to loans | 0.0024% | 3,855 |
| Credit loss provision to net charge-offs | 4,166.6667% | 130 |
| Earnings coverage of net charge-offs (x) | 1,079.8063% | 67 |
| Efficiency ratio | 59.4238% | 4,627 |
| Assets per employee ($millions) | 8.6400% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 2,297 |
| Loan loss allowance to noncurrent loans | 500.8201% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 4,749 |
| Noncurrent loans to loans | 0.2753% | 4,273 |
| Net loans and leases to total assets | 61.7579% | 3,661 |
| Net loans and leases to deposits | 70.4510% | 3,943 |
| Net loans and leases to core deposits | 103.7371% | 1,363 |
| Total domestic deposits to total assets | 72.5485% | 5,560 |
| Equity capital to assets | 9.2898% | 4,873 |
| Core capital (leverage) ratio | 9.0667% | 4,758 |
| Tier 1 risk-based capital ratio | 14.7256% | 3,176 |
| Total risk-based capital ratio | 15.9775% | 3,115 |
| Memoranda: | ||
| Average total assets | $1,086,205,250 | 661 |
| Average earning assets | $1,052,336,750 | 625 |
| Average equity | $101,512,750 | 785 |
| Average total loans | $657,447,500 | 756 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0042% | 5,645 |
| Cost of funding earning assets | 0.7151% | 740 |
| Net interest margin | 2.2891% | 5,868 |
| Noninterest income to average assets | 1.6857% | 439 |
| Noninterest expense to average assets | 2.3881% | 4,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8704% | 3,005 |
| Return on assets (ROA) | 0.8704% | 3,117 |
| Pretax return on assets | 1.5137% | 1,629 |
| Return on Equity (ROE) | 9.2939% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.2939% | 774 |
| Net charge-offs to loans | -0.0009% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2042% | 4,476 |
| Assets per employee ($millions) | 8.4467% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 2,433 |
| Loan loss allowance to noncurrent loans | 143.0002% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 3,265 |
| Noncurrent loans to loans | 0.9583% | 2,365 |
| Net loans and leases to total assets | 60.3923% | 3,828 |
| Net loans and leases to deposits | 68.8432% | 4,098 |
| Net loans and leases to core deposits | 99.9399% | 1,640 |
| Total domestic deposits to total assets | 72.8676% | 5,613 |
| Equity capital to assets | 9.2763% | 4,998 |
| Core capital (leverage) ratio | 9.1088% | 4,706 |
| Tier 1 risk-based capital ratio | 15.0322% | 3,066 |
| Total risk-based capital ratio | 16.2839% | 3,005 |
| Memoranda: | ||
| Average total assets | $1,070,994,330 | 673 |
| Average earning assets | $1,036,807,330 | 635 |
| Average equity | $100,302,000 | 793 |
| Average total loans | $640,340,000 | 776 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9770% | 5,706 |
| Cost of funding earning assets | 0.7106% | 764 |
| Net interest margin | 2.2664% | 5,937 |
| Noninterest income to average assets | 1.6239% | 449 |
| Noninterest expense to average assets | 2.3398% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8731% | 2,885 |
| Return on assets (ROA) | 0.8731% | 2,999 |
| Pretax return on assets | 1.4800% | 1,658 |
| Return on Equity (ROE) | 9.2766% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.2766% | 1,032 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2547% | 4,560 |
| Assets per employee ($millions) | 8.2158% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 2,029 |
| Loan loss allowance to noncurrent loans | 146.0582% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 3,289 |
| Noncurrent loans to loans | 1.0208% | 2,344 |
| Net loans and leases to total assets | 56.9784% | 4,149 |
| Net loans and leases to deposits | 65.2123% | 4,317 |
| Net loans and leases to core deposits | 96.5787% | 1,738 |
| Total domestic deposits to total assets | 71.1545% | 5,814 |
| Equity capital to assets | 9.3174% | 4,872 |
| Core capital (leverage) ratio | 9.2580% | 4,542 |
| Tier 1 risk-based capital ratio | 16.2184% | 2,580 |
| Total risk-based capital ratio | 17.4720% | 2,537 |
| Memoranda: | ||
| Average total assets | $1,053,235,000 | 679 |
| Average earning assets | $1,020,474,500 | 646 |
| Average equity | $99,131,500 | 799 |
| Average total loans | $621,743,000 | 798 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7645% | 5,905 |
| Cost of funding earning assets | 0.7202% | 734 |
| Net interest margin | 2.0443% | 6,041 |
| Noninterest income to average assets | 1.7912% | 415 |
| Noninterest expense to average assets | 2.3252% | 4,719 |
| Loan and lease loss provision to assets | 0.0591% | 3,128 |
| Net operating income to assets | 0.8175% | 3,264 |
| Return on assets (ROA) | 0.8175% | 3,341 |
| Pretax return on assets | 1.3856% | 1,956 |
| Return on Equity (ROE) | 8.8506% | 2,524 |
| Retained earnings to average equity (ytd only) | 8.8506% | 689 |
| Net charge-offs to loans | -0.1428% | 5,881 |
| Credit loss provision to net charge-offs | -71.0900% | 5,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6795% | 4,659 |
| Assets per employee ($millions) | 7.8641% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 2,033 |
| Loan loss allowance to noncurrent loans | 125.6532% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 2,906 |
| Noncurrent loans to loans | 1.1896% | 1,982 |
| Net loans and leases to total assets | 59.3750% | 3,922 |
| Net loans and leases to deposits | 68.1491% | 4,113 |
| Net loans and leases to core deposits | 100.1851% | 1,485 |
| Total domestic deposits to total assets | 71.1670% | 5,843 |
| Equity capital to assets | 9.5110% | 4,539 |
| Core capital (leverage) ratio | 9.1688% | 4,664 |
| Tier 1 risk-based capital ratio | 15.8594% | 2,756 |
| Total risk-based capital ratio | 17.1130% | 2,694 |
| Memoranda: | ||
| Average total assets | $1,015,913,600 | 678 |
| Average earning assets | $983,289,200 | 644 |
| Average equity | $93,835,800 | 809 |
| Average total loans | $590,905,000 | 788 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7233% | 6,006 |
| Cost of funding earning assets | 0.7179% | 765 |
| Net interest margin | 2.0054% | 6,137 |
| Noninterest income to average assets | 1.8249% | 409 |
| Noninterest expense to average assets | 2.2884% | 4,807 |
| Loan and lease loss provision to assets | 0.0790% | 2,592 |
| Net operating income to assets | 0.8247% | 3,303 |
| Return on assets (ROA) | 0.8247% | 3,387 |
| Pretax return on assets | 1.3978% | 2,021 |
| Return on Equity (ROE) | 8.9970% | 2,583 |
| Retained earnings to average equity (ytd only) | 8.9970% | 909 |
| Net charge-offs to loans | -0.0299% | 5,357 |
| Credit loss provision to net charge-offs | -458.0153% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7772% | 4,780 |
| Assets per employee ($millions) | 7.6797% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 2,639 |
| Loan loss allowance to noncurrent loans | 86.8538% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 0.9807% | 2,395 |
| Noncurrent loans to loans | 1.6025% | 1,546 |
| Net loans and leases to total assets | 60.3458% | 3,833 |
| Net loans and leases to deposits | 69.4170% | 4,052 |
| Net loans and leases to core deposits | 99.5912% | 1,550 |
| Total domestic deposits to total assets | 75.0006% | 5,624 |
| Equity capital to assets | 9.5363% | 4,709 |
| Core capital (leverage) ratio | 9.0497% | 4,935 |
| Tier 1 risk-based capital ratio | 15.7078% | 2,950 |
| Total risk-based capital ratio | 16.9602% | 2,880 |
| Memoranda: | ||
| Average total assets | $1,012,342,750 | 684 |
| Average earning assets | $979,483,500 | 654 |
| Average equity | $92,799,250 | 825 |
| Average total loans | $583,391,000 | 804 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6869% | 6,084 |
| Cost of funding earning assets | 0.7053% | 820 |
| Net interest margin | 1.9816% | 6,211 |
| Noninterest income to average assets | 1.8528% | 414 |
| Noninterest expense to average assets | 2.3146% | 4,807 |
| Loan and lease loss provision to assets | 0.1183% | 1,873 |
| Net operating income to assets | 0.7886% | 3,445 |
| Return on assets (ROA) | 0.7886% | 3,546 |
| Pretax return on assets | 1.3367% | 2,222 |
| Return on Equity (ROE) | 8.7191% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.7191% | 1,021 |
| Net charge-offs to loans | -0.0475% | 5,531 |
| Credit loss provision to net charge-offs | -441.1765% | 5,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4017% | 4,774 |
| Assets per employee ($millions) | 7.9125% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 2,636 |
| Loan loss allowance to noncurrent loans | 160.4229% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 3,895 |
| Noncurrent loans to loans | 0.8888% | 2,908 |
| Net loans and leases to total assets | 57.1780% | 4,198 |
| Net loans and leases to deposits | 65.1931% | 4,415 |
| Net loans and leases to core deposits | 96.2150% | 1,776 |
| Total domestic deposits to total assets | 72.3441% | 5,920 |
| Equity capital to assets | 9.0375% | 5,202 |
| Core capital (leverage) ratio | 8.5906% | 5,448 |
| Tier 1 risk-based capital ratio | 15.4391% | 3,134 |
| Total risk-based capital ratio | 16.6917% | 3,075 |
| Memoranda: | ||
| Average total assets | $1,014,445,330 | 688 |
| Average earning assets | $981,210,330 | 656 |
| Average equity | $91,752,670 | 839 |
| Average total loans | $572,631,670 | 822 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6256% | 6,171 |
| Cost of funding earning assets | 0.6863% | 921 |
| Net interest margin | 1.9394% | 6,290 |
| Noninterest income to average assets | 1.9147% | 381 |
| Noninterest expense to average assets | 2.3241% | 4,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8663% | 2,922 |
| Return on assets (ROA) | 0.8663% | 3,037 |
| Pretax return on assets | 1.4686% | 1,667 |
| Return on Equity (ROE) | 9.5737% | 2,190 |
| Retained earnings to average equity (ytd only) | 9.5737% | 1,026 |
| Net charge-offs to loans | -0.0007% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2781% | 4,922 |
| Assets per employee ($millions) | 8.1286% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 2,992 |
| Loan loss allowance to noncurrent loans | 124.8288% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 3,711 |
| Noncurrent loans to loans | 1.1093% | 2,550 |
| Net loans and leases to total assets | 52.4224% | 4,622 |
| Net loans and leases to deposits | 59.3602% | 4,795 |
| Net loans and leases to core deposits | 87.3317% | 2,398 |
| Total domestic deposits to total assets | 72.1035% | 6,037 |
| Equity capital to assets | 8.6257% | 5,634 |
| Core capital (leverage) ratio | 8.6416% | 5,384 |
| Tier 1 risk-based capital ratio | 16.8938% | 2,522 |
| Total risk-based capital ratio | 18.1466% | 2,473 |
| Memoranda: | ||
| Average total assets | $1,003,402,000 | 690 |
| Average earning assets | $971,655,000 | 656 |
| Average equity | $90,790,500 | 848 |
| Average total loans | $558,327,000 | 841 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7884% | 6,212 |
| Cost of funding earning assets | 0.6425% | 1,454 |
| Net interest margin | 2.1459% | 6,330 |
| Noninterest income to average assets | 1.7012% | 443 |
| Noninterest expense to average assets | 2.3679% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8265% | 3,248 |
| Return on assets (ROA) | 0.8265% | 3,338 |
| Pretax return on assets | 1.4137% | 1,840 |
| Return on Equity (ROE) | 8.7444% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.7444% | 760 |
| Net charge-offs to loans | 0.2220% | 1,893 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.0430% | 2,553 |
| Efficiency ratio | 62.6163% | 4,809 |
| Assets per employee ($millions) | 7.1905% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 2,832 |
| Loan loss allowance to noncurrent loans | 125.2117% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 3,586 |
| Noncurrent loans to loans | 1.1368% | 2,566 |
| Net loans and leases to total assets | 57.6205% | 4,103 |
| Net loans and leases to deposits | 66.2426% | 4,294 |
| Net loans and leases to core deposits | 96.8355% | 1,651 |
| Total domestic deposits to total assets | 72.8512% | 6,029 |
| Equity capital to assets | 9.5260% | 4,694 |
| Core capital (leverage) ratio | 9.2758% | 4,562 |
| Tier 1 risk-based capital ratio | 15.5998% | 3,187 |
| Total risk-based capital ratio | 16.8518% | 3,111 |
| Memoranda: | ||
| Average total assets | $909,230,200 | 732 |
| Average earning assets | $881,504,600 | 696 |
| Average equity | $85,940,600 | 859 |
| Average total loans | $524,286,400 | 845 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7779% | 6,295 |
| Cost of funding earning assets | 0.6379% | 1,538 |
| Net interest margin | 2.1400% | 6,412 |
| Noninterest income to average assets | 1.7110% | 451 |
| Noninterest expense to average assets | 2.3718% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8297% | 3,290 |
| Return on assets (ROA) | 0.8297% | 3,377 |
| Pretax return on assets | 1.4162% | 1,944 |
| Return on Equity (ROE) | 8.7958% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.7958% | 1,061 |
| Net charge-offs to loans | -0.0052% | 5,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6133% | 4,794 |
| Assets per employee ($millions) | 7.2552% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 1,965 |
| Loan loss allowance to noncurrent loans | 141.1295% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 3,819 |
| Noncurrent loans to loans | 1.2062% | 2,632 |
| Net loans and leases to total assets | 54.8061% | 4,484 |
| Net loans and leases to deposits | 62.7142% | 4,676 |
| Net loans and leases to core deposits | 90.0849% | 2,214 |
| Total domestic deposits to total assets | 74.0968% | 6,008 |
| Equity capital to assets | 9.2403% | 5,097 |
| Core capital (leverage) ratio | 9.2079% | 4,777 |
| Tier 1 risk-based capital ratio | 16.8321% | 2,676 |
| Total risk-based capital ratio | 18.0886% | 2,620 |
| Memoranda: | ||
| Average total assets | $901,048,250 | 744 |
| Average earning assets | $874,545,000 | 701 |
| Average equity | $84,993,000 | 868 |
| Average total loans | $517,708,500 | 862 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8099% | 6,333 |
| Cost of funding earning assets | 0.6351% | 1,622 |
| Net interest margin | 2.1748% | 6,466 |
| Noninterest income to average assets | 1.7152% | 443 |
| Noninterest expense to average assets | 2.4206% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8316% | 3,172 |
| Return on assets (ROA) | 0.8316% | 3,265 |
| Pretax return on assets | 1.4097% | 1,857 |
| Return on Equity (ROE) | 8.7520% | 2,713 |
| Retained earnings to average equity (ytd only) | 8.7520% | 1,062 |
| Net charge-offs to loans | -0.0078% | 5,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1958% | 4,820 |
| Assets per employee ($millions) | 7.1339% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7131% | 2,089 |
| Loan loss allowance to noncurrent loans | 100.0333% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.0033% | 3,057 |
| Noncurrent loans to loans | 1.7125% | 2,016 |
| Net loans and leases to total assets | 57.5812% | 4,040 |
| Net loans and leases to deposits | 66.1980% | 4,253 |
| Net loans and leases to core deposits | 96.2936% | 1,578 |
| Total domestic deposits to total assets | 75.2867% | 5,997 |
| Equity capital to assets | 9.5560% | 4,682 |
| Core capital (leverage) ratio | 9.1864% | 4,766 |
| Tier 1 risk-based capital ratio | 15.6288% | 3,278 |
| Total risk-based capital ratio | 16.8842% | 3,221 |
| Memoranda: | ||
| Average total assets | $884,586,000 | 760 |
| Average earning assets | $860,315,330 | 706 |
| Average equity | $84,049,670 | 873 |
| Average total loans | $513,639,000 | 861 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8157% | 6,385 |
| Cost of funding earning assets | 0.6131% | 1,870 |
| Net interest margin | 2.2027% | 6,522 |
| Noninterest income to average assets | 1.7009% | 433 |
| Noninterest expense to average assets | 2.4384% | 4,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8297% | 3,006 |
| Return on assets (ROA) | 0.8297% | 3,079 |
| Pretax return on assets | 1.4064% | 1,720 |
| Return on Equity (ROE) | 8.7577% | 2,569 |
| Retained earnings to average equity (ytd only) | 8.7577% | 1,324 |
| Net charge-offs to loans | -0.0158% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4219% | 4,949 |
| Assets per employee ($millions) | 6.8341% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 2,317 |
| Loan loss allowance to noncurrent loans | 100.4230% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 3,257 |
| Noncurrent loans to loans | 1.7037% | 2,281 |
| Net loans and leases to total assets | 57.8953% | 3,856 |
| Net loans and leases to deposits | 66.3761% | 4,046 |
| Net loans and leases to core deposits | 96.6928% | 1,334 |
| Total domestic deposits to total assets | 73.9405% | 6,246 |
| Equity capital to assets | 9.3867% | 4,652 |
| Core capital (leverage) ratio | 9.1996% | 4,722 |
| Tier 1 risk-based capital ratio | 16.3151% | 3,000 |
| Total risk-based capital ratio | 17.5720% | 2,960 |
| Memoranda: | ||
| Average total assets | $877,443,000 | 772 |
| Average earning assets | $854,055,000 | 722 |
| Average equity | $83,126,500 | 882 |
| Average total loans | $507,157,500 | 870 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1877% | 6,142 |
| Cost of funding earning assets | 0.6084% | 2,587 |
| Net interest margin | 2.5793% | 6,287 |
| Noninterest income to average assets | 1.8593% | 435 |
| Noninterest expense to average assets | 2.7244% | 4,011 |
| Loan and lease loss provision to assets | 0.1071% | 3,009 |
| Net operating income to assets | 0.9021% | 2,768 |
| Return on assets (ROA) | 0.9021% | 2,853 |
| Pretax return on assets | 1.5290% | 1,356 |
| Return on Equity (ROE) | 9.1054% | 2,486 |
| Retained earnings to average equity (ytd only) | 9.1054% | 754 |
| Net charge-offs to loans | 0.0790% | 4,114 |
| Credit loss provision to net charge-offs | 223.6842% | 1,020 |
| Earnings coverage of net charge-offs (x) | 34.1737% | 1,070 |
| Efficiency ratio | 62.4801% | 5,126 |
| Assets per employee ($millions) | 6.5620% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 1,923 |
| Loan loss allowance to noncurrent loans | 94.6384% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 3,195 |
| Noncurrent loans to loans | 1.9533% | 2,039 |
| Net loans and leases to total assets | 55.6030% | 4,372 |
| Net loans and leases to deposits | 63.9683% | 4,509 |
| Net loans and leases to core deposits | 95.3311% | 1,503 |
| Total domestic deposits to total assets | 72.9019% | 6,364 |
| Equity capital to assets | 9.5643% | 4,327 |
| Core capital (leverage) ratio | 9.4293% | 4,369 |
| Tier 1 risk-based capital ratio | 17.4137% | 2,449 |
| Total risk-based capital ratio | 18.6726% | 2,421 |
| Memoranda: | ||
| Average total assets | $793,741,800 | 839 |
| Average earning assets | $769,719,000 | 782 |
| Average equity | $78,635,000 | 907 |
| Average total loans | $481,162,800 | 886 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2425% | 6,147 |
| Cost of funding earning assets | 0.6111% | 2,726 |
| Net interest margin | 2.6314% | 6,275 |
| Noninterest income to average assets | 1.9047% | 447 |
| Noninterest expense to average assets | 2.8490% | 3,493 |
| Loan and lease loss provision to assets | 0.0257% | 4,495 |
| Net operating income to assets | 0.9313% | 2,683 |
| Return on assets (ROA) | 0.9313% | 2,788 |
| Pretax return on assets | 1.5785% | 1,391 |
| Return on Equity (ROE) | 9.3112% | 2,484 |
| Retained earnings to average equity (ytd only) | 9.3112% | 963 |
| Net charge-offs to loans | 0.0734% | 3,895 |
| Credit loss provision to net charge-offs | 56.8182% | 3,359 |
| Earnings coverage of net charge-offs (x) | 35.4244% | 1,094 |
| Efficiency ratio | 63.9767% | 4,801 |
| Assets per employee ($millions) | 6.3888% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6615% | 2,761 |
| Loan loss allowance to noncurrent loans | 87.2060% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 3,332 |
| Noncurrent loans to loans | 1.9053% | 2,359 |
| Net loans and leases to total assets | 59.9872% | 3,692 |
| Net loans and leases to deposits | 67.8873% | 4,073 |
| Net loans and leases to core deposits | 101.5667% | 1,021 |
| Total domestic deposits to total assets | 73.9244% | 6,374 |
| Equity capital to assets | 9.6906% | 4,311 |
| Core capital (leverage) ratio | 9.7390% | 4,047 |
| Tier 1 risk-based capital ratio | 16.1348% | 3,109 |
| Total risk-based capital ratio | 17.3909% | 3,070 |
| Memoranda: | ||
| Average total assets | $777,272,000 | 868 |
| Average earning assets | $752,775,250 | 809 |
| Average equity | $77,739,500 | 928 |
| Average total loans | $479,709,250 | 890 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3210% | 6,055 |
| Cost of funding earning assets | 0.6268% | 2,716 |
| Net interest margin | 2.6942% | 6,186 |
| Noninterest income to average assets | 1.9086% | 477 |
| Noninterest expense to average assets | 2.9203% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9414% | 2,611 |
| Return on assets (ROA) | 0.9414% | 2,752 |
| Pretax return on assets | 1.5960% | 1,383 |
| Return on Equity (ROE) | 9.3069% | 2,491 |
| Retained earnings to average equity (ytd only) | 9.3069% | 1,027 |
| Net charge-offs to loans | 0.1623% | 2,812 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.8665% | 1,705 |
| Efficiency ratio | 64.6610% | 4,763 |
| Assets per employee ($millions) | 5.8191% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 3,039 |
| Loan loss allowance to noncurrent loans | 211.2753% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 4,510 |
| Noncurrent loans to loans | 0.7725% | 4,373 |
| Net loans and leases to total assets | 64.4481% | 2,848 |
| Net loans and leases to deposits | 73.0761% | 3,286 |
| Net loans and leases to core deposits | 110.0905% | 561 |
| Total domestic deposits to total assets | 73.4829% | 6,472 |
| Equity capital to assets | 10.3151% | 3,529 |
| Core capital (leverage) ratio | 9.7951% | 3,799 |
| Tier 1 risk-based capital ratio | 15.7990% | 3,316 |
| Total risk-based capital ratio | 17.0545% | 3,265 |
| Memoranda: | ||
| Average total assets | $759,514,330 | 885 |
| Average earning assets | $735,142,670 | 836 |
| Average equity | $76,824,330 | 941 |
| Average total loans | $470,732,670 | 901 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2574% | 6,229 |
| Cost of funding earning assets | 0.6225% | 2,902 |
| Net interest margin | 2.6349% | 6,322 |
| Noninterest income to average assets | 1.8330% | 490 |
| Noninterest expense to average assets | 2.8391% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9123% | 2,595 |
| Return on assets (ROA) | 0.9123% | 2,743 |
| Pretax return on assets | 1.5465% | 1,435 |
| Return on Equity (ROE) | 9.1095% | 2,435 |
| Retained earnings to average equity (ytd only) | 9.1095% | 1,350 |
| Net charge-offs to loans | 0.0692% | 3,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 37.1013% | 841 |
| Efficiency ratio | 64.7377% | 4,879 |
| Assets per employee ($millions) | 5.6176% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9000% | 2,298 |
| Loan loss allowance to noncurrent loans | 105.4502% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.0895% | 3,755 |
| Noncurrent loans to loans | 1.8018% | 2,857 |
| Net loans and leases to total assets | 59.3203% | 3,550 |
| Net loans and leases to deposits | 67.3229% | 3,871 |
| Net loans and leases to core deposits | 101.6356% | 847 |
| Total domestic deposits to total assets | 74.2129% | 6,521 |
| Equity capital to assets | 10.4340% | 3,626 |
| Core capital (leverage) ratio | 9.5760% | 3,963 |
| Tier 1 risk-based capital ratio | 17.6018% | 2,518 |
| Total risk-based capital ratio | 18.8612% | 2,481 |
| Memoranda: | ||
| Average total assets | $758,120,000 | 895 |
| Average earning assets | $734,441,500 | 836 |
| Average equity | $75,920,500 | 965 |
| Average total loans | $456,378,500 | 925 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 6,423 |
| Cost of funding earning assets | 0.7114% | 3,398 |
| Net interest margin | 2.7310% | 6,479 |
| Noninterest income to average assets | 1.9966% | 437 |
| Noninterest expense to average assets | 2.7450% | 4,232 |
| Loan and lease loss provision to assets | 0.4055% | 1,599 |
| Net operating income to assets | 0.8684% | 2,965 |
| Return on assets (ROA) | 0.8684% | 3,208 |
| Pretax return on assets | 1.4898% | 1,705 |
| Return on Equity (ROE) | 8.9333% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.9333% | 848 |
| Net charge-offs to loans | 0.3537% | 2,865 |
| Credit loss provision to net charge-offs | 184.9568% | 1,420 |
| Earnings coverage of net charge-offs (x) | 8.6449% | 2,374 |
| Efficiency ratio | 59.1564% | 5,678 |
| Assets per employee ($millions) | 5.9567% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 2,513 |
| Loan loss allowance to noncurrent loans | 106.9566% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 3,880 |
| Noncurrent loans to loans | 1.7056% | 3,060 |
| Net loans and leases to total assets | 58.8501% | 3,831 |
| Net loans and leases to deposits | 66.0808% | 4,273 |
| Net loans and leases to core deposits | 100.0686% | 1,022 |
| Total domestic deposits to total assets | 74.0178% | 6,527 |
| Equity capital to assets | 9.6185% | 4,712 |
| Core capital (leverage) ratio | 8.9529% | 4,969 |
| Tier 1 risk-based capital ratio | 16.2311% | 3,037 |
| Total risk-based capital ratio | 17.4893% | 2,985 |
| Memoranda: | ||
| Average total assets | $739,843,200 | 900 |
| Average earning assets | $716,186,600 | 835 |
| Average equity | $71,922,000 | 980 |
| Average total loans | $458,569,000 | 905 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5043% | 6,506 |
| Cost of funding earning assets | 0.7316% | 3,501 |
| Net interest margin | 2.7728% | 6,549 |
| Noninterest income to average assets | 2.0758% | 401 |
| Noninterest expense to average assets | 2.8193% | 3,918 |
| Loan and lease loss provision to assets | 0.3837% | 1,681 |
| Net operating income to assets | 0.9187% | 2,888 |
| Return on assets (ROA) | 0.9187% | 3,114 |
| Pretax return on assets | 1.5571% | 1,706 |
| Return on Equity (ROE) | 9.4236% | 2,627 |
| Retained earnings to average equity (ytd only) | 9.4236% | 1,088 |
| Net charge-offs to loans | 0.4377% | 2,348 |
| Credit loss provision to net charge-offs | 140.1869% | 2,060 |
| Earnings coverage of net charge-offs (x) | 7.0908% | 2,664 |
| Efficiency ratio | 59.2277% | 5,625 |
| Assets per employee ($millions) | 5.8075% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 3,084 |
| Loan loss allowance to noncurrent loans | 102.1733% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9979% | 4,286 |
| Noncurrent loans to loans | 1.6831% | 3,270 |
| Net loans and leases to total assets | 58.2723% | 4,089 |
| Net loans and leases to deposits | 65.5949% | 4,519 |
| Net loans and leases to core deposits | 101.5022% | 1,021 |
| Total domestic deposits to total assets | 72.9134% | 6,682 |
| Equity capital to assets | 9.6822% | 4,943 |
| Core capital (leverage) ratio | 9.2803% | 4,620 |
| Tier 1 risk-based capital ratio | 16.5642% | 2,962 |
| Total risk-based capital ratio | 17.8210% | 2,931 |
| Memoranda: | ||
| Average total assets | $729,721,500 | 914 |
| Average earning assets | $706,420,250 | 859 |
| Average equity | $71,138,500 | 998 |
| Average total loans | $456,271,750 | 910 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 6,529 |
| Cost of funding earning assets | 0.7606% | 3,513 |
| Net interest margin | 2.8005% | 6,574 |
| Noninterest income to average assets | 2.1174% | 369 |
| Noninterest expense to average assets | 2.8341% | 3,890 |
| Loan and lease loss provision to assets | 0.4031% | 1,628 |
| Net operating income to assets | 0.9397% | 2,715 |
| Return on assets (ROA) | 0.9397% | 2,974 |
| Pretax return on assets | 1.5928% | 1,571 |
| Return on Equity (ROE) | 9.6162% | 2,523 |
| Retained earnings to average equity (ytd only) | 9.6162% | 1,078 |
| Net charge-offs to loans | 0.2170% | 3,275 |
| Credit loss provision to net charge-offs | 291.7505% | 1,001 |
| Earnings coverage of net charge-offs (x) | 14.4447% | 1,717 |
| Efficiency ratio | 58.6773% | 5,773 |
| Assets per employee ($millions) | 5.7097% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 3,208 |
| Loan loss allowance to noncurrent loans | 61.0910% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.7744% | 3,073 |
| Noncurrent loans to loans | 2.7898% | 2,146 |
| Net loans and leases to total assets | 62.5203% | 3,335 |
| Net loans and leases to deposits | 70.2626% | 3,858 |
| Net loans and leases to core deposits | 113.4616% | 468 |
| Total domestic deposits to total assets | 70.8988% | 6,861 |
| Equity capital to assets | 9.6275% | 4,871 |
| Core capital (leverage) ratio | 9.2735% | 4,490 |
| Tier 1 risk-based capital ratio | 15.6893% | 3,338 |
| Total risk-based capital ratio | 16.9464% | 3,298 |
| Memoranda: | ||
| Average total assets | $719,370,000 | 927 |
| Average earning assets | $696,792,000 | 870 |
| Average equity | $70,298,000 | 1,000 |
| Average total loans | $458,002,670 | 899 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6466% | 6,515 |
| Cost of funding earning assets | 0.8007% | 3,469 |
| Net interest margin | 2.8459% | 6,559 |
| Noninterest income to average assets | 2.1847% | 354 |
| Noninterest expense to average assets | 2.9285% | 3,512 |
| Loan and lease loss provision to assets | 0.4539% | 1,357 |
| Net operating income to assets | 0.9196% | 2,827 |
| Return on assets (ROA) | 0.9196% | 3,039 |
| Pretax return on assets | 1.5590% | 1,711 |
| Return on Equity (ROE) | 9.3374% | 2,667 |
| Retained earnings to average equity (ytd only) | 9.3374% | 1,465 |
| Net charge-offs to loans | 0.1380% | 3,272 |
| Credit loss provision to net charge-offs | 516.1290% | 637 |
| Earnings coverage of net charge-offs (x) | 22.8903% | 1,112 |
| Efficiency ratio | 59.2652% | 5,728 |
| Assets per employee ($millions) | 5.6979% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 2,873 |
| Loan loss allowance to noncurrent loans | 59.6163% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.8222% | 3,147 |
| Noncurrent loans to loans | 3.0832% | 2,078 |
| Net loans and leases to total assets | 58.0142% | 4,035 |
| Net loans and leases to deposits | 65.2936% | 4,455 |
| Net loans and leases to core deposits | 102.4091% | 845 |
| Total domestic deposits to total assets | 74.0209% | 6,744 |
| Equity capital to assets | 9.7852% | 4,403 |
| Core capital (leverage) ratio | 9.3216% | 4,327 |
| Tier 1 risk-based capital ratio | 16.8224% | 2,747 |
| Total risk-based capital ratio | 18.0808% | 2,705 |
| Memoranda: | ||
| Average total assets | $705,070,000 | 942 |
| Average earning assets | $682,942,000 | 891 |
| Average equity | $69,441,500 | 1,005 |
| Average total loans | $449,133,500 | 920 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 6,823 |
| Cost of funding earning assets | 0.9395% | 3,790 |
| Net interest margin | 2.7804% | 6,841 |
| Noninterest income to average assets | 2.0930% | 347 |
| Noninterest expense to average assets | 2.8281% | 4,247 |
| Loan and lease loss provision to assets | 0.5099% | 2,059 |
| Net operating income to assets | 0.8208% | 2,952 |
| Return on assets (ROA) | 0.8208% | 3,116 |
| Pretax return on assets | 1.4456% | 1,638 |
| Return on Equity (ROE) | 8.6548% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.6548% | 894 |
| Net charge-offs to loans | 0.5727% | 2,736 |
| Credit loss provision to net charge-offs | 138.1323% | 2,146 |
| Earnings coverage of net charge-offs (x) | 5.2973% | 2,838 |
| Efficiency ratio | 59.1208% | 5,883 |
| Assets per employee ($millions) | 5.4078% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 3,973 |
| Loan loss allowance to noncurrent loans | 60.5348% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.7073% | 3,388 |
| Noncurrent loans to loans | 2.4935% | 2,629 |
| Net loans and leases to total assets | 67.4382% | 2,500 |
| Net loans and leases to deposits | 76.0468% | 3,172 |
| Net loans and leases to core deposits | 117.9368% | 400 |
| Total domestic deposits to total assets | 75.5806% | 6,534 |
| Equity capital to assets | 9.9149% | 4,280 |
| Core capital (leverage) ratio | 9.1020% | 4,613 |
| Tier 1 risk-based capital ratio | 14.6092% | 3,899 |
| Total risk-based capital ratio | 15.8634% | 3,873 |
| Memoranda: | ||
| Average total assets | $696,188,000 | 937 |
| Average earning assets | $673,727,400 | 884 |
| Average equity | $66,021,200 | 1,019 |
| Average total loans | $448,755,600 | 932 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 6,936 |
| Cost of funding earning assets | 0.9537% | 4,017 |
| Net interest margin | 2.7440% | 6,952 |
| Noninterest income to average assets | 2.0839% | 356 |
| Noninterest expense to average assets | 2.8009% | 4,339 |
| Loan and lease loss provision to assets | 0.3729% | 2,616 |
| Net operating income to assets | 0.9396% | 2,573 |
| Return on assets (ROA) | 0.9396% | 2,737 |
| Pretax return on assets | 1.5657% | 1,472 |
| Return on Equity (ROE) | 10.0208% | 2,191 |
| Retained earnings to average equity (ytd only) | 10.0208% | 839 |
| Net charge-offs to loans | 0.3480% | 3,356 |
| Credit loss provision to net charge-offs | 168.8312% | 1,790 |
| Earnings coverage of net charge-offs (x) | 8.7766% | 2,128 |
| Efficiency ratio | 59.0970% | 5,853 |
| Assets per employee ($millions) | 5.4876% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 4,030 |
| Loan loss allowance to noncurrent loans | 77.7530% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.3388% | 4,133 |
| Noncurrent loans to loans | 1.9472% | 3,432 |
| Net loans and leases to total assets | 67.7147% | 2,534 |
| Net loans and leases to deposits | 76.5869% | 3,229 |
| Net loans and leases to core deposits | 121.2470% | 358 |
| Total domestic deposits to total assets | 76.5524% | 6,444 |
| Equity capital to assets | 10.1317% | 4,179 |
| Core capital (leverage) ratio | 9.3447% | 4,384 |
| Tier 1 risk-based capital ratio | 14.9674% | 3,676 |
| Total risk-based capital ratio | 16.2168% | 3,653 |
| Memoranda: | ||
| Average total assets | $697,185,000 | 939 |
| Average earning assets | $674,703,750 | 886 |
| Average equity | $65,368,750 | 1,034 |
| Average total loans | $442,454,250 | 955 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 7,106 |
| Cost of funding earning assets | 0.9512% | 4,313 |
| Net interest margin | 2.6368% | 7,090 |
| Noninterest income to average assets | 2.0376% | 353 |
| Noninterest expense to average assets | 2.7477% | 4,634 |
| Loan and lease loss provision to assets | 0.3256% | 2,837 |
| Net operating income to assets | 0.9099% | 2,602 |
| Return on assets (ROA) | 0.9099% | 2,700 |
| Pretax return on assets | 1.5167% | 1,486 |
| Return on Equity (ROE) | 9.9584% | 2,131 |
| Retained earnings to average equity (ytd only) | 9.9584% | 849 |
| Net charge-offs to loans | 0.1530% | 4,264 |
| Credit loss provision to net charge-offs | 344.3114% | 890 |
| Earnings coverage of net charge-offs (x) | 19.4820% | 1,217 |
| Efficiency ratio | 59.8631% | 5,892 |
| Assets per employee ($millions) | 5.7189% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 3,983 |
| Loan loss allowance to noncurrent loans | 74.2117% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.3941% | 4,135 |
| Noncurrent loans to loans | 2.0619% | 3,394 |
| Net loans and leases to total assets | 65.5446% | 3,127 |
| Net loans and leases to deposits | 73.6326% | 3,858 |
| Net loans and leases to core deposits | 119.1744% | 438 |
| Total domestic deposits to total assets | 75.6673% | 6,647 |
| Equity capital to assets | 9.6363% | 4,618 |
| Core capital (leverage) ratio | 8.8431% | 4,977 |
| Tier 1 risk-based capital ratio | 14.7105% | 3,667 |
| Total risk-based capital ratio | 15.9650% | 3,631 |
| Memoranda: | ||
| Average total assets | $706,418,330 | 935 |
| Average earning assets | $683,792,000 | 892 |
| Average equity | $64,548,330 | 1,045 |
| Average total loans | $436,502,670 | 986 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5178% | 7,202 |
| Cost of funding earning assets | 0.9509% | 4,558 |
| Net interest margin | 2.5669% | 7,149 |
| Noninterest income to average assets | 1.9467% | 367 |
| Noninterest expense to average assets | 2.6630% | 4,987 |
| Loan and lease loss provision to assets | 0.2094% | 3,550 |
| Net operating income to assets | 0.9373% | 2,413 |
| Return on assets (ROA) | 0.9373% | 2,476 |
| Pretax return on assets | 1.5626% | 1,274 |
| Return on Equity (ROE) | 10.5337% | 1,902 |
| Retained earnings to average equity (ytd only) | 10.5337% | 988 |
| Net charge-offs to loans | 0.0328% | 4,640 |
| Credit loss provision to net charge-offs | 1,071.4286% | 356 |
| Earnings coverage of net charge-offs (x) | 90.6857% | 350 |
| Efficiency ratio | 60.0453% | 5,977 |
| Assets per employee ($millions) | 6.3844% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 4,190 |
| Loan loss allowance to noncurrent loans | 66.7589% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.3150% | 4,336 |
| Noncurrent loans to loans | 2.2518% | 3,253 |
| Net loans and leases to total assets | 56.6614% | 4,878 |
| Net loans and leases to deposits | 62.4253% | 5,449 |
| Net loans and leases to core deposits | 112.9016% | 632 |
| Total domestic deposits to total assets | 69.1001% | 7,224 |
| Equity capital to assets | 8.5745% | 5,807 |
| Core capital (leverage) ratio | 8.5600% | 5,333 |
| Tier 1 risk-based capital ratio | 13.8330% | 4,191 |
| Total risk-based capital ratio | 15.0855% | 4,164 |
| Memoranda: | ||
| Average total assets | $716,492,500 | 930 |
| Average earning assets | $694,527,500 | 880 |
| Average equity | $63,757,000 | 1,053 |
| Average total loans | $426,352,500 | 1,022 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3011% | 7,444 |
| Cost of funding earning assets | 0.9922% | 5,728 |
| Net interest margin | 2.3089% | 7,363 |
| Noninterest income to average assets | 2.1415% | 356 |
| Noninterest expense to average assets | 2.5235% | 5,707 |
| Loan and lease loss provision to assets | 0.3018% | 4,395 |
| Net operating income to assets | 0.9274% | 2,285 |
| Return on assets (ROA) | 0.9274% | 2,412 |
| Pretax return on assets | 1.5456% | 1,262 |
| Return on Equity (ROE) | 11.0780% | 1,560 |
| Retained earnings to average equity (ytd only) | 11.0780% | 372 |
| Net charge-offs to loans | 0.3179% | 4,427 |
| Credit loss provision to net charge-offs | 187.4455% | 1,738 |
| Earnings coverage of net charge-offs (x) | 11.4743% | 1,605 |
| Efficiency ratio | 57.7333% | 6,371 |
| Assets per employee ($millions) | 5.7596% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 4,166 |
| Loan loss allowance to noncurrent loans | 63.2814% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.4576% | 4,143 |
| Noncurrent loans to loans | 2.3271% | 3,193 |
| Net loans and leases to total assets | 60.7910% | 4,529 |
| Net loans and leases to deposits | 67.5486% | 5,160 |
| Net loans and leases to core deposits | 121.7732% | 478 |
| Total domestic deposits to total assets | 72.1647% | 7,069 |
| Equity capital to assets | 9.2576% | 4,740 |
| Core capital (leverage) ratio | 8.0450% | 6,126 |
| Tier 1 risk-based capital ratio | 13.5758% | 4,147 |
| Total risk-based capital ratio | 14.8276% | 4,118 |
| Memoranda: | ||
| Average total assets | $712,396,000 | 936 |
| Average earning assets | $687,857,000 | 890 |
| Average equity | $59,640,600 | 1,116 |
| Average total loans | $360,859,800 | 1,245 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1968% | 7,595 |
| Cost of funding earning assets | 0.9701% | 6,078 |
| Net interest margin | 2.2267% | 7,507 |
| Noninterest income to average assets | 2.1058% | 350 |
| Noninterest expense to average assets | 2.4483% | 5,890 |
| Loan and lease loss provision to assets | 0.2128% | 4,934 |
| Net operating income to assets | 0.9555% | 2,395 |
| Return on assets (ROA) | 0.9555% | 2,519 |
| Pretax return on assets | 1.5927% | 1,363 |
| Return on Equity (ROE) | 11.7052% | 1,588 |
| Retained earnings to average equity (ytd only) | 11.7052% | 494 |
| Net charge-offs to loans | 0.3408% | 3,940 |
| Credit loss provision to net charge-offs | 129.9435% | 3,111 |
| Earnings coverage of net charge-offs (x) | 11.0260% | 1,829 |
| Efficiency ratio | 57.5555% | 6,332 |
| Assets per employee ($millions) | 6.4909% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 4,065 |
| Loan loss allowance to noncurrent loans | 88.5054% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 5,526 |
| Noncurrent loans to loans | 1.6688% | 4,145 |
| Net loans and leases to total assets | 46.5529% | 6,650 |
| Net loans and leases to deposits | 50.9128% | 6,953 |
| Net loans and leases to core deposits | 90.9786% | 2,957 |
| Total domestic deposits to total assets | 70.8385% | 7,228 |
| Equity capital to assets | 7.8926% | 6,870 |
| Core capital (leverage) ratio | 7.8528% | 6,515 |
| Tier 1 risk-based capital ratio | 15.2931% | 3,106 |
| Total risk-based capital ratio | 16.5451% | 3,063 |
| Memoranda: | ||
| Average total assets | $720,588,250 | 930 |
| Average earning assets | $695,134,000 | 886 |
| Average equity | $58,821,500 | 1,138 |
| Average total loans | $346,243,000 | 1,310 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2257% | 7,671 |
| Cost of funding earning assets | 0.9711% | 6,283 |
| Net interest margin | 2.2545% | 7,554 |
| Noninterest income to average assets | 2.1676% | 316 |
| Noninterest expense to average assets | 2.5550% | 5,506 |
| Loan and lease loss provision to assets | 0.1925% | 4,956 |
| Net operating income to assets | 0.9533% | 2,351 |
| Return on assets (ROA) | 0.9533% | 2,441 |
| Pretax return on assets | 1.5888% | 1,329 |
| Return on Equity (ROE) | 11.5367% | 1,586 |
| Retained earnings to average equity (ytd only) | 11.5367% | 561 |
| Net charge-offs to loans | 0.3865% | 3,432 |
| Credit loss provision to net charge-offs | 103.0534% | 3,953 |
| Earnings coverage of net charge-offs (x) | 9.5344% | 2,009 |
| Efficiency ratio | 58.9199% | 6,239 |
| Assets per employee ($millions) | 5.7016% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 3,886 |
| Loan loss allowance to noncurrent loans | 76.1479% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 5,095 |
| Noncurrent loans to loans | 1.9788% | 3,752 |
| Net loans and leases to total assets | 50.8656% | 6,326 |
| Net loans and leases to deposits | 56.3330% | 6,698 |
| Net loans and leases to core deposits | 109.4642% | 1,198 |
| Total domestic deposits to total assets | 69.6459% | 7,347 |
| Equity capital to assets | 8.9423% | 5,536 |
| Core capital (leverage) ratio | 8.2724% | 5,824 |
| Tier 1 risk-based capital ratio | 15.6319% | 2,835 |
| Total risk-based capital ratio | 16.8839% | 2,799 |
| Memoranda: | ||
| Average total assets | $701,147,330 | 963 |
| Average earning assets | $674,467,000 | 915 |
| Average equity | $57,936,670 | 1,144 |
| Average total loans | $338,976,670 | 1,347 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0898% | 7,790 |
| Cost of funding earning assets | 0.9536% | 6,561 |
| Net interest margin | 2.1362% | 7,677 |
| Noninterest income to average assets | 2.1020% | 321 |
| Noninterest expense to average assets | 2.5069% | 5,702 |
| Loan and lease loss provision to assets | 0.2228% | 4,269 |
| Net operating income to assets | 0.8549% | 2,734 |
| Return on assets (ROA) | 0.8549% | 2,823 |
| Pretax return on assets | 1.4247% | 1,709 |
| Return on Equity (ROE) | 10.7571% | 1,852 |
| Retained earnings to average equity (ytd only) | 10.7571% | 975 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3432% | 6,107 |
| Assets per employee ($millions) | 6.2929% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 3,035 |
| Loan loss allowance to noncurrent loans | 50.1620% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.4710% | 4,302 |
| Noncurrent loans to loans | 3.4056% | 2,345 |
| Net loans and leases to total assets | 42.4547% | 7,099 |
| Net loans and leases to deposits | 46.3201% | 7,320 |
| Net loans and leases to core deposits | 94.2710% | 2,810 |
| Total domestic deposits to total assets | 64.5227% | 7,665 |
| Equity capital to assets | 7.6602% | 6,959 |
| Core capital (leverage) ratio | 7.5296% | 6,823 |
| Tier 1 risk-based capital ratio | 16.0367% | 2,643 |
| Total risk-based capital ratio | 17.2912% | 2,595 |
| Memoranda: | ||
| Average total assets | $718,178,000 | 957 |
| Average earning assets | $690,005,000 | 915 |
| Average equity | $57,078,500 | 1,161 |
| Average total loans | $336,211,000 | 1,392 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9918% | 7,701 |
| Cost of funding earning assets | 1.4670% | 5,655 |
| Net interest margin | 2.5247% | 7,402 |
| Noninterest income to average assets | 2.5446% | 265 |
| Noninterest expense to average assets | 3.0193% | 4,074 |
| Loan and lease loss provision to assets | 0.3332% | 4,811 |
| Net operating income to assets | 0.8948% | 2,194 |
| Return on assets (ROA) | 0.8948% | 2,266 |
| Pretax return on assets | 1.4914% | 1,206 |
| Return on Equity (ROE) | 9.5135% | 1,850 |
| Retained earnings to average equity (ytd only) | 9.5135% | 423 |
| Net charge-offs to loans | 0.2279% | 5,192 |
| Credit loss provision to net charge-offs | 270.2703% | 1,285 |
| Earnings coverage of net charge-offs (x) | 14.8009% | 1,350 |
| Efficiency ratio | 62.3321% | 6,098 |
| Assets per employee ($millions) | 5.8725% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,763 |
| Loan loss allowance to noncurrent loans | 87.4239% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 5,375 |
| Noncurrent loans to loans | 1.7086% | 4,075 |
| Net loans and leases to total assets | 50.0702% | 6,631 |
| Net loans and leases to deposits | 54.9869% | 6,987 |
| Net loans and leases to core deposits | 186.6294% | 133 |
| Total domestic deposits to total assets | 61.6173% | 7,771 |
| Equity capital to assets | 8.2663% | 6,252 |
| Core capital (leverage) ratio | 8.0567% | 6,069 |
| Tier 1 risk-based capital ratio | 14.6290% | 3,142 |
| Total risk-based capital ratio | 15.8810% | 3,095 |
| Memoranda: | ||
| Average total assets | $570,265,800 | 1,216 |
| Average earning assets | $519,344,600 | 1,218 |
| Average equity | $53,639,800 | 1,233 |
| Average total loans | $308,520,200 | 1,548 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 7,739 |
| Cost of funding earning assets | 1.6477% | 5,172 |
| Net interest margin | 2.5219% | 7,438 |
| Noninterest income to average assets | 2.6416% | 254 |
| Noninterest expense to average assets | 3.2184% | 3,235 |
| Loan and lease loss provision to assets | 0.1352% | 6,008 |
| Net operating income to assets | 0.9297% | 2,309 |
| Return on assets (ROA) | 0.9297% | 2,376 |
| Pretax return on assets | 1.5495% | 1,281 |
| Return on Equity (ROE) | 9.5218% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.5218% | 725 |
| Net charge-offs to loans | 0.1328% | 5,368 |
| Credit loss provision to net charge-offs | 184.5638% | 2,468 |
| Earnings coverage of net charge-offs (x) | 23.0035% | 1,137 |
| Efficiency ratio | 65.6408% | 5,432 |
| Assets per employee ($millions) | 5.2021% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 4,354 |
| Loan loss allowance to noncurrent loans | 75.7391% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9494% | 5,164 |
| Noncurrent loans to loans | 1.7493% | 3,995 |
| Net loans and leases to total assets | 53.5547% | 6,439 |
| Net loans and leases to deposits | 59.6573% | 6,854 |
| Net loans and leases to core deposits | 177.8095% | 199 |
| Total domestic deposits to total assets | 65.5183% | 7,711 |
| Equity capital to assets | 9.3547% | 4,947 |
| Core capital (leverage) ratio | 8.6943% | 5,135 |
| Tier 1 risk-based capital ratio | 15.8576% | 2,682 |
| Total risk-based capital ratio | 17.1079% | 2,616 |
| Memoranda: | ||
| Average total assets | $542,530,250 | 1,285 |
| Average earning assets | $486,494,500 | 1,313 |
| Average equity | $52,972,000 | 1,263 |
| Average total loans | $299,086,750 | 1,624 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 7,715 |
| Cost of funding earning assets | 1.8936% | 4,296 |
| Net interest margin | 2.4963% | 7,482 |
| Noninterest income to average assets | 2.5592% | 257 |
| Noninterest expense to average assets | 3.2729% | 3,070 |
| Loan and lease loss provision to assets | 0.1043% | 6,126 |
| Net operating income to assets | 0.8119% | 2,809 |
| Return on assets (ROA) | 0.8119% | 2,905 |
| Pretax return on assets | 1.3526% | 1,864 |
| Return on Equity (ROE) | 8.1875% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.1875% | 1,157 |
| Net charge-offs to loans | 0.1867% | 4,395 |
| Credit loss provision to net charge-offs | 100.7326% | 4,532 |
| Earnings coverage of net charge-offs (x) | 14.0733% | 1,684 |
| Efficiency ratio | 69.1975% | 4,945 |
| Assets per employee ($millions) | 4.8332% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 3,845 |
| Loan loss allowance to noncurrent loans | 94.2417% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7592% | 5,504 |
| Noncurrent loans to loans | 1.4627% | 4,298 |
| Net loans and leases to total assets | 51.1922% | 6,765 |
| Net loans and leases to deposits | 57.2994% | 7,073 |
| Net loans and leases to core deposits | 138.3462% | 1,086 |
| Total domestic deposits to total assets | 76.4180% | 6,461 |
| Equity capital to assets | 9.5991% | 4,490 |
| Core capital (leverage) ratio | 8.7244% | 5,052 |
| Tier 1 risk-based capital ratio | 16.5527% | 2,430 |
| Total risk-based capital ratio | 17.8032% | 2,376 |
| Memoranda: | ||
| Average total assets | $527,426,330 | 1,336 |
| Average earning assets | $458,599,330 | 1,407 |
| Average equity | $52,299,000 | 1,300 |
| Average total loans | $292,434,330 | 1,692 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 7,359 |
| Cost of funding earning assets | 2.1604% | 3,368 |
| Net interest margin | 2.6474% | 7,300 |
| Noninterest income to average assets | 2.4730% | 256 |
| Noninterest expense to average assets | 3.2750% | 2,728 |
| Loan and lease loss provision to assets | 0.0779% | 5,980 |
| Net operating income to assets | 0.7739% | 3,241 |
| Return on assets (ROA) | 0.7739% | 3,416 |
| Pretax return on assets | 1.2891% | 2,320 |
| Return on Equity (ROE) | 7.6722% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.6722% | 1,945 |
| Net charge-offs to loans | 0.0353% | 5,017 |
| Credit loss provision to net charge-offs | 384.6154% | 1,339 |
| Earnings coverage of net charge-offs (x) | 67.4615% | 589 |
| Efficiency ratio | 70.5507% | 4,465 |
| Assets per employee ($millions) | 4.6637% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 3,326 |
| Loan loss allowance to noncurrent loans | 95.6758% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 5,218 |
| Noncurrent loans to loans | 1.4980% | 4,041 |
| Net loans and leases to total assets | 51.4742% | 6,737 |
| Net loans and leases to deposits | 57.6739% | 7,057 |
| Net loans and leases to core deposits | 182.0957% | 221 |
| Total domestic deposits to total assets | 66.6609% | 7,691 |
| Equity capital to assets | 9.6535% | 4,450 |
| Core capital (leverage) ratio | 8.7924% | 5,003 |
| Tier 1 risk-based capital ratio | 16.7230% | 2,436 |
| Total risk-based capital ratio | 17.9744% | 2,365 |
| Memoranda: | ||
| Average total assets | $513,228,000 | 1,384 |
| Average earning assets | $420,480,500 | 1,549 |
| Average equity | $51,771,500 | 1,320 |
| Average total loans | $294,394,000 | 1,691 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9001% | 6,032 |
| Cost of funding earning assets | 2.6744% | 3,295 |
| Net interest margin | 3.2257% | 6,286 |
| Noninterest income to average assets | 2.8432% | 218 |
| Noninterest expense to average assets | 3.6626% | 2,023 |
| Loan and lease loss provision to assets | 0.0859% | 6,310 |
| Net operating income to assets | 1.1010% | 2,146 |
| Return on assets (ROA) | 1.1010% | 2,058 |
| Pretax return on assets | 1.8351% | 881 |
| Return on Equity (ROE) | 9.7973% | 2,330 |
| Retained earnings to average equity (ytd only) | 9.7973% | 477 |
| Net charge-offs to loans | 0.0483% | 6,096 |
| Credit loss provision to net charge-offs | 235.8491% | 2,009 |
| Earnings coverage of net charge-offs (x) | 52.7296% | 739 |
| Efficiency ratio | 65.5956% | 5,208 |
| Assets per employee ($millions) | 4.1142% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 3,797 |
| Loan loss allowance to noncurrent loans | 91.0236% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 4,594 |
| Noncurrent loans to loans | 1.4259% | 3,667 |
| Net loans and leases to total assets | 62.2687% | 5,582 |
| Net loans and leases to deposits | 70.6144% | 6,209 |
| Net loans and leases to core deposits | 181.4741% | 276 |
| Total domestic deposits to total assets | 71.7830% | 7,038 |
| Equity capital to assets | 10.5710% | 3,423 |
| Core capital (leverage) ratio | 9.7634% | 3,693 |
| Tier 1 risk-based capital ratio | 15.0730% | 3,005 |
| Total risk-based capital ratio | 16.3036% | 2,940 |
| Memoranda: | ||
| Average total assets | $436,440,200 | 1,563 |
| Average earning assets | $370,770,600 | 1,679 |
| Average equity | $49,044,000 | 1,389 |
| Average total loans | $329,160,600 | 1,477 |